EX-10.1 3 qs1ss.txt 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 JANUARY 1, 2003, TO STANDARD TERMS OF POOLING AND SERVICING AGREEMENT dated as of August 1, 2002 Mortgage Asset-Backed Pass-Through Certificates Series 2003-QS1 ================================================================================
Article I DEFINITIONS....................................................................5 Section 1.01. Definitions..........................................................5 Section 1.02. Use of Words and Phrases............................................17 Section 1.03. Determination of LIBOR..............................................17 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.............22 Section 2.08. Purposes and Powers of the Trust (See Section 2.08 of the Standard Terms). 22 Article III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS................................23 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 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 Terms) 26 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.................................................24 Section 4.01. Certificate Account. ...............................................24 Section 4.02. Distributions. ......................................................24 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.............................................................37 Section 4.05. Allocation of Realized Losses. ......................................37 Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property. (See Section 4.06 of the Standard Terms)..........................................38 Section 4.07. Optional Purchase of Defaulted Mortgage Loans. (See Section 4.07 of the Standard Terms)......................................................38 Section 4.08. Surety Bond. (See Section 4.08 of the Standard Terms)................38 Section 4.09. Reserve Funds........................................................40 Section 4.10. Rounding Account.....................................................40 Section 4.11. Principal Distributions on the Retail Certificates...................41 Article V THE CERTIFICATES................................................................39 Section 5.01. The Certificates. (See Section 5.01 of the Standard Terms)..........39 Section 5.02. Registration of Transfer and Exchange of Certificates................39 Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates. (See Section 5.03 of the Standard Terms)......................................................39 Section 5.04. Persons Deemed Owners. (See Section 5.04 of the Standard Terms)......39 Section 5.05. Appointment of Paying Agent. (See Section 5.05 of the Standard Terms)39 Article VI THE COMPANY AND THE MASTER SERVICER..........................................40 Article VII DEFAULT......................................................................41 Article VIII CONCERNING THE TRUSTEE.......................................................42 Article IX TERMINATION..................................................................43 Article X REMIC PROVISIONS............................................................44 Section 10.01.REMIC Administration. (See Section 10.01 of the Standard Terms).....44 Section 10.02.Master Servicer; REMIC Administrator and Trustee Indemnification. (See Section 10.02 of the Standard Terms).........................................44 Section 10.03.Designation of REMICs................................................44 Section 10.04.Distributions on the Uncertificated REMIC I and REMIC II Regular Interests 44 Section 10.05.Compliance with Withholding Requirements.............................46 Article XI MISCELLANEOUS PROVISIONS......................................................47 Section 11.01.Amendment. (See Section 11.01 of the Standard Terms)................47 Section 11.02.Recordation of Agreement; Counterparts. (See Section 11.02 of the Standard Terms)...............................................................47 Section 11.03.Limitation on Rights of Certificateholders. (See Section 11.03 of the Standard Terms)...............................................................47 Section 11.04.Governing Laws. (See Section 11.04 of the Standard Terms)...........47 Section 11.05.Notices..............................................................47 Section 11.06.Required Notices to Rating Agency and Subservicer....................48 Section 11.07.Severability of Provisions. (See Section 11.07 of the Standard Terms)48 Section 11.08.Supplemental Provisions for Resecuritization. (See Section 11.08 of the Standard Terms)......................................................48 Section 11.09.Allocation of Voting Rights..........................................48 Section 11.10.No Petition..........................................................48 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
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: Aggregate Planned Principal Balances and Aggregate Targeted Principal Balances Exhibit Six: Certificate Policy of MBIA Insurance Corporation Exhibit Seven: Form of Form 10-K Certification Exhibit Eight: Form of Back-Up Certification to Form 10-K Certificate This is a Series Supplement, dated as of January 1, 2003 (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 Reserve Fund I, Reserve Fund II and the Initial Monthly Payment Fund), as two 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 S&P/ PASS-THROUGH PRINCIPAL MATURITY ----------- MINIMUM DESIGNATION RATE BALANCE FEATURES1 DATE MOODY'S DENOMINATIONS2 Class A-1 January 25, ------------- 5.00% $50,000,000.00 Senior/Fixed Rate 2033 AAA/Aaa $25,000.00 January 25, Class A-2 5.75% $105,741,346.00 Senior/Fixed Rate 2033 AAA/Aaa $25,000.00 January 25, Class A-3 4.75% $30,000,000.00 Senior/Fixed Rate 2033 AAA/Aaa $25,000.00 Senior/PAC/ Adjustable Floater/Adjustable January 25, Class A-4 Rate3 $40,587,529.00 Rate 2033 AAA/Aaa $25,000.00 Senior/Inverse Adjustable Floater/Interest January 25, Class A-5 Rate3 $0.004 Only/Adjustable Rate 2033 AAA/Aaa $2,000,000.00 Senior/PAC//Fixed January 25, Class A-6 4.25% $74,410,471.00 Rate 2033 AAA/Aaa $25,000.00 Senior/Accrual/ January 25, Class A-7 5.75% $4,311,928.00 Companion/Fixed Rate 2033 AAA/Aaa $25,000.00 Senior/Retail/Insured/January 25, Class A-8 5.70% $21,000,000.00 Fixed Rate 2033 AAA/Aaa5 $1,000.00 Adjustable Senior/Floater/AdjustaJanuary 25, Class A-9 Rate3 $24,545,454.00 Rate 2033 AAA/Aaa $25,000.00 Senior/Inverse Adjustable Floater/Interest January 25, Class A-10 Rate3 $0.006 Only/Adjustable Rate 2033 AAA/Aaa $2,000,000.00 Senior/TAC/Accretion January 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 -------------------------------------------------------------------------------- ADJUSTABLE INITIAL FORMULA MAXIMUM MINIMUM RATES: -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Class A-4: 1.82% LIBOR + 0.40% 8.50% 0.40% -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Class A-5: 6.68% 8.10% - LIBOR 8.10% 0.00% -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Class A-9: 1.97% LIBOR + 0.55% 8.50% 0.55% -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Class A-10: 6.53% 7.95% - LIBOR 7.95% 0.00% -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Class A-13: 2.07% LIBOR + 0.65% 8.50% 0.65% -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Class A-14: 6.43% 7.85% - LIBOR 7.85% 0.00% 4 The notional amount of the Class A-5 Certificates will be equal to the Certificate Principal Balance of the Class A-4 Certificates immediately prior to that date. 5 The ratings on the Class A-8 Certificates have been determined without regard to the Certificate Policy issued by the Certificate Insurer. 6 The notional amount of the Class A-10 Certificates will be equal to the Certificate Principal Balance of the Class A-9 Certificates immediately prior to that date. 2
AGGREGATE INITIAL CERTIFICATE S&P/ PASS-THROUGH PRINCIPAL MATURITY ----------- MINIMUM DESIGNATION RATE BALANCE FEATURES1 DATE MOODY'S DENOMINATIONS2 Class A-11 5.75% $50,000,000.00 Directed/Fixed Rate 2033 AAA/Aaa $25,000.00 Senior/TAC/Accretion January 25, Class A-12 5.75% $7,786,000.00 Directed/Fixed Rate 2033 AAA/Aaa $25,000.00 Adjustable Senior/Floater/AdjustaJanuary 25, Class A-13 Rate3 $40,838,272.00 Rate 2033 AAA/Aaa $25,000.00 Senior/Inverse Adjustable Floater/Interest January 25, Class A-14 Rate3 $0.007 Only/Adjustable 2033 AAA/Aaa $2,000,000.00 Class A-P 0.00% $1,429,525.04 Principal January 25, AAA/Aaa $25,000.00 Only/Senior 2033 Class A-V Variable $0.00 Variable January 25, AAA/Aaa 9 Rate8 Strip/Interest 2033 Only/Senior Class R-I 6.00% $100.00 Residual/Senior January 25, AAA/Aaa 10 2033 Class R-II 6.00% $100.00 Residual/Senior January 25, AAA/Aaa 10 2033 Class M-1 6.00% $11,890,700.00 Mezzanine January 25, AA/NA $25,000.00 2033 Class M-2 6.00% $4,756,200.00 Mezzanine January 25, A/NA $250,000.00 2033 Class M-3 6.00% $3,567,100.00 Mezzanine January 25, BBB/NA $250,000.00 2033 Class B-1 6.00% $1,664,700.00 Subordinate January 25, BB/NA $250,000.00 2033 Class B-2 6.00% $1,664,700.00 Subordinate January 25, B/NA $250,000.00 2033 Class B-3 6.00% $1,426,941.75 Subordinate January 25, NA/NA $250,000.00 2033
7 The notional amount of the Class A-14 Certificates will be equal to the Certificate Principal Balance of the Class A-13 Certificates immediately prior to that date. 8 The initial Pass-Through Rate on the Class A-V Certificates is 0.3051%. 9 The Class A-V Certificates shall be issuable in minimum denominations of not less than a 20% Percentage Interest. 10 Each class of the Class R Certificates shall be issuable in minimum denominations of not less than a 20% Percentage Interest; provided, however, that one Class R Certificate of each Class will be issuable to Residential Funding as "tax matters person" pursuant to Section 10.01(c) and (e) in a minimum denomination representing a Percentage Interest of not less than 0.01%. The Mortgage Loans have an aggregate principal balance as of the Cut-off Date of $475,621,066.79. In consideration of the mutual agreements herein contained, the Company, the Master Servicer and the Trustee agree as follows: 3 ARTICLE I DEFINITIONS Section 1.01...Definitions. Whenever used in this Agreement, the following words and phrases, unless the context otherwise requires, shall have the meanings specified in this Article. Accretion Termination Date: The earlier to occur of (i) the Distribution Date on which the aggregate Certificate Principal Balance of the Accretion Directed Certificates has been reduced to zero and (ii) the Credit Support Depletion Date. Accrual Certificates: Any of the Class A-7 Certificates. Accretion Directed Certificates: Any of the Class A-11 Certificates and Class A-12 Certificates. Accrual Distribution Amount: With respect to any Distribution Date on or prior to the Accretion Termination Date, an amount equal to the amount of Accrued Certificate Interest on the Accrual Certificates that is added to the Certificate Principal Balance thereof on such Distribution Date pursuant to Section 4.02(i). Adjustable Rate Certificates: Any of the Class A-4, Class A-5, Class A-9, Class A-10, Class A-13 or Class A-14 Certificates. Aggregate Planned Principal Balance: With respect to the Class A-4 Certificates and Class A-6 Certificates and any Distribution Date, the amount set forth under the heading "Aggregate Targeted Principal Balances for Class A-4 Certificates and Class A-6 Certificates" in Exhibit Five opposite such date. Aggregate Targeted Principal Balance: With respect to the Class A-11 Certificates and Class A-12 Certificates and any Distribution Date, the amount set forth under the heading "Aggregate Targeted Principal Balances for Class A-11 Certificates and Class A-12 Certificates" in Exhibit Five opposite such 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) $179,049 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) if the aggregate principal balance of the Non-Primary Residence Loans as of the Relevant Anniversary is less than 10% of the Stated Principal Balance of the Mortgage Loans as of the Relevant Anniversary, $0.00, or (ii) if the aggregate principal balance of the Non-Primary Residence Loans as of the Relevant Anniversary is equal to or greater than 10% of the Stated Principal Balance of the Mortgage Loans as of the Relevant Anniversary, the sum of (I) the aggregate principal balance of the Non-Primary Residence Loans with a Loan-to-Value Ratio of greater than 80.00% but less than or equal to 90.00% (other than Additional Collateral Loans), times 0.25%, (II) the aggregate principal balance of the Non-Primary Residence Loans with a Loan-to-Value Ratio of greater than 90.00% but less than or equal to 95.00% (other than Additional Collateral Loans), times 0.50%, and (III) the aggregate principal balance of the Non-Primary Residence Loans with a Loan-to-Value Ratio of greater than 95.00% (other than Additional Collateral Loans) times 0.75%, in each case as of the Relevant Anniversary; and (B) the greater of (i) 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, 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. Certificate: Any Class A, Class M, Class B or Class R Certificate. Certificate Account: The separate account or accounts created and maintained pursuant to Section 4.01 of the Standard Terms, which shall be entitled "Deutsche Bank Trust Company Americas, as trustee, in trust for the registered holders of Residential Accredit Loans, Inc., Mortgage Asset-Backed Pass-Through Certificates, Series 2003-QS1" and which must be an Eligible Account. Certificate Insurance Account: The account established pursuant to Section 12.02(b) of this Series Supplement, which shall be entitled "Certificate Insurance Account, Deutsche Bank Trust Company Americas, as trustee for the registered holders of Residential Accredit Loans, Inc., Mortgage Asset-Backed Pass-Through Certificates, Series 2003-QS1, Class A-8." 5 Certificate Insurance Payment: Any payment made by the Certificate Insurer with respect to any Retail Certificates under the Certificate Policy. 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. 40252) issued by the Certificate Insurer for the benefit of the Holders of any Retail Certificates, including any endorsements thereto, attached hereto as Exhibit Six. 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, plus (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, 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)(xvi); 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. 6 Class A Certificate: Any one of the Class A-1, Class A-2, Class A-3, Class A-4, Class A-5, Class A-6, Class A-7, Class A-8, Class A-9, Class A-10, Class A-11, Class A-12, Class A-13, Class A-14, Class A-V or Class A-P Certificates, executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit A. Class R Certificate: Any one of the Class R-I Certificates and Class R-II Certificates. Class R-I Certificate: Any one of the Class R-I Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit D and evidencing an interest designated as a "residual interest" in REMIC I for purposes of the REMIC Provisions. Class R-II Certificate: Any one of the Class R-II Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit D and evidencing an interest designated as a "residual interest" in REMIC II for purposes of the REMIC Provisions. Closing Date: January 30, 2003. Commission: The Securities and Exchange Commission. Commitment Letter: The letter, dated January 29, 2003, between the Certificate Insurer and the Senior 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 2003-QS1. 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)(xvi) of this Series Supplement as reimbursement for Certificate Insurance Payments. Cut-off Date: January 1, 2003. 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 and (ii) any Relief Act Shortfalls 7 allocated to the Retail Certificates that were otherwise covered by Reserve Fund II, (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. Due Period: With respect to each Distribution Date and any Mortgage Loan, the period commencing on the second day of the month prior to the month in which such Distribution Date occurs and ending on the first day of the month in which such Distribution Date occurs. Eligible Funds: On any Distribution Date, the portion, if any, of the Available Distribution Amount remaining after reduction by the sum of (i) the aggregate amount of Accrued Certificate Interest on the Senior Certificates, (ii) the Senior Principal Distribution Amount (determined without regard to Section 4.02(a)(ii)(Y)(D) hereof), (iii) the Class A-P Principal Distribution Amount (determined without regard to Section 4.02(b)(i)(E) hereof) and (iv) the aggregate amount of Accrued Certificate Interest on the Class M, Class B-1 and Class B-2 Certificates. Exchange Act: The Securities and Exchange Act of 1934, as amended. Floater Certificates: Any one of the Class A-4, Class A-9 or Class A-13 Certificates. Fraud Loss Amount: As of any date of determination after the Cut-off Date, an amount equal to: (X) prior to the first anniversary of the Cut-off Date an amount equal to 3.00% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the Cut-off Date minus the aggregate amount of Fraud Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 of this Series Supplement since the Cut-off Date up to such date of determination, (Y) from the first to, but not including, the second anniversary of the Cut-off Date, an amount equal to (1) the lesser of (a) the Fraud Loss Amount as of the most recent anniversary of the Cut-off Date and (b) 2.00% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the most recent anniversary of the Cut-off Date minus (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, but not including, the fifth anniversary of the Cut-off Date, an amount equal to (1) the lesser of (a) the Fraud Loss Amount as of the most recent anniversary of the Cut-off Date and (b) 1.00% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the most recent anniversary of the Cut-off Date minus (2) the aggregate amount of Fraud Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 since the most recent anniversary of the Cut-off Date up to such date of determination. On and after the fifth anniversary of the Cut-off Date, the Fraud Loss Amount shall be zero. 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 8 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. Individual Retail Certificate: A Retail Certificate that evidences $1,000 Initial Certificate Principal Balance. Initial Monthly Payment Fund: $231,849, representing scheduled principal amortization and interest at the Net Mortgage Rate during the Due Period ending on February 1, 2003, for those Mortgage Loans for which the Trustee will not be entitled to receive such payment. Initial Notional Amount: With respect to the Class A-5 Certificates, $40,587,529. With respect to the Class A-10 Certificates, $24,545,454. With respect to the Class A-14 Certificates, $40,838,272. With respect to the Class A-V Certificates or Subclass thereof issued pursuant to Section 5.01(c), the aggregate Cut-off Date Principal Balance of the Mortgage Loans corresponding to the Uncertificated REMIC I Regular Interests Z represented by such Class or Subclass on such date. Initial Subordinate Class Percentage: With respect to each Class of Subordinate Certificates, an amount which is equal to the initial aggregate Certificate Principal Balance of such Class of Subordinate Certificates divided by the aggregate Stated Principal Balance of all the Mortgage Loans as of the Cut-off Date as follows: Class M-1: 2.50%.... Class B-1: 0.35% Class M-2: 1.00%.... Class B-2: 0.35% Class M-3: 0.75%.... 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 (other than the Floater Certificates and the Inverse Floater Certificates) and any Distribution Date, the calendar month preceding the month in which such Distribution Date occurs. The Interest Accrual Period for the Floater Certificates and the Inverse Floater Certificates for any Distribution Date is the period beginning on the 25th day of the month preceding the month in which such Distribution Date occurs and ending on the 24th day of the month in which such Distribution Date occurs. Interest Only Certificates: Any one of the Class A-5, Class A-10, Class A-14 or Class A-V Certificates. The Interest Only Certificates will have no Certificate Principal Balance. 9 Inverse Floater Certificates: Any one of the Class A-5, Class A-10, Class A-14 Certificates. Maturity Date: January 25, 2033, the Distribution Date immediately following the latest scheduled maturity date of any Mortgage Loan. Mortgage Loan Schedule: The list or lists of the Mortgage Loans attached hereto as Exhibit One (as amended from time to time to reflect the addition of Qualified Substitute Mortgage Loans), which list or lists shall set forth the following information as to each Mortgage Loan: (i) the Mortgage Loan identifying number ("RFC LOAN #"); (ii) the maturity of the Mortgage Note ("MATURITY DATE"); (iii) the Mortgage Rate ("ORIG RATE"); (iv) the Subservicer pass-through rate ("CURR NET"); (v) the Net Mortgage Rate ("NET MTG RT"); (vi) the Pool Strip Rate ("STRIP"); (vii) the initial scheduled monthly payment of principal, if any, and interest ("ORIGINAL P & I"); (viii) the Cut-off Date Principal Balance ("PRINCIPAL BAL"); (ix) the Loan-to-Value Ratio at origination ("LTV"); (x) the rate at which the Subservicing Fee accrues ("SUBSERV FEE") and at which the Servicing Fee accrues ("MSTR SERV FEE"); (xi) a code "T," "BT" or "CT" under the column "LN FEATURE," indicating that the Mortgage Loan is secured by a second or vacation residence; and (xii) a code "N" under the column "OCCP CODE," indicating that the Mortgage Loan is secured by a non-owner occupied residence. Such schedule may consist of multiple reports that collectively set forth all of the information required. Notional Amount: As of any Distribution Date, (i) with respect to the Class A-5 Certificates, an amount equal to the Certificate Principal Balance of the Class A-4 Certificates immediately prior to that date, (ii) with respect to the Class A-10 Certificates, an amount equal to the Certificate Principal Balance of the Class A-9 Certificates immediately prior to that date, (iii) with respect to the Class A-14 Certificates, an amount equal to the Certificate Principal Balance of the Class A-13 Certificates immediately prior to that date, 10 and (iv) with respect to any Class A-V Certificates or Subclass thereof issued pursuant to Section 5.01(c), the aggregate Stated Principal Balance of the Mortgage Loans corresponding to the Uncertificated REMIC I Regular Interests Z represented by such Class or Subclass immediately prior to such date. Pass-Through Rate: With respect to the Senior Certificates (other than the Floater Certificates, Inverse Floater Certificates, Class A-V Certificates and Class A-P Certificates), Class M Certificates and Class B Certificates and any Distribution Date, the per annum rates set forth in the Preliminary Statement hereto. With respect to the Class A-4 Certificates and the initial Interest Accrual Period, 1.82% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 0.40% plus LIBOR, subject to a maximum rate of 8.50% per annum and a minimum rate of 0.40% per annum. With respect to the Class A-5 Certificates and the initial Interest Accrual Period, 6.68% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 8.10% minus LIBOR, subject to a maximum rate of 8.10% per annum and a minimum rate of 0.00% per annum. With respect to the Class A-9 Certificates and the initial Interest Accrual Period, 1.97% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 0.55% plus LIBOR, subject to a maximum rate of 8.50% per annum and a minimum rate of 0.55% per annum. With respect to the Class A-10 Certificates and the initial Interest Accrual Period, 6.53% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 7.95% minus LIBOR, subject to a maximum rate of 7.95% per annum and a minimum rate of 0.00% per annum. With respect to the Class A-13 Certificates and the initial Interest Accrual Period, 2.07% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 0.65% plus LIBOR, subject to a maximum rate of 8.50% per annum and a minimum rate of 0.65% per annum. With respect to the Class A-14 Certificates and the initial Interest Accrual Period, 6.43% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 7.85% minus LIBOR, subject to a maximum rate of 7.85% per annum and a minimum rate of 0.00% per annum. With respect to the Class A-V Certificates (other than any Subclass thereof) and any Distribution Date, a rate equal to the weighted average, expressed as a percentage, of the Pool Strip Rates of all Mortgage Loans as of the Due Date in the related Due Period, weighted on the basis of the respective Stated Principal Balances of such Mortgage Loans as of the day immediately preceding such Distribution Date (or, with respect to the initial Distribution Date, at the close of business on the Cut-off Date). With respect to the Class A-V Certificates and the initial Distribution Date the Pass-Through Rate is equal to 0.3051% 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 Certificates for federal income tax purposes, which assumes a constant prepayment rate of 6.0% per annum of the then outstanding principal balance of the related Mortgage Loans in the first month of the life of such 11 Mortgage Loans and an additional approximately 1.090909% per annum in each month thereafter until the twelfth month, and beginning in the twelfth month and in each month thereafter during the life of the Mortgage Loans, a constant prepayment rate of 18.0% per annum. Prepayment Distribution Percentage: With respect to any Distribution Date and each Class of Subordinate Certificates, under the applicable circumstances set forth below, the respective percentages set forth below: (i) For any Distribution Date prior to the Distribution Date in February 2008 (unless the Certificate Principal Balances of the Senior Certificates (other than the Class A-P Certificates), have been reduced to zero), 0%. (ii) For any Distribution Date not discussed in clause (i) above on which any Class of Subordinate Certificates are outstanding: (a) in the case of the Class of Subordinate Certificates then outstanding with the Highest Priority and each other Class of Subordinate Certificates for which the related Prepayment Distribution Trigger has been satisfied, a fraction, expressed as a percentage, the numerator of which is the Certificate Principal Balance of such Class immediately prior to such date and the denominator of which is the sum of the Certificate Principal Balances immediately prior to such date of (1) the Class of Subordinate Certificates then outstanding with the Highest Priority and (2) all other Classes of Subordinate Certificates for which the respective Prepayment Distribution Triggers have been satisfied; and (b) in the case of each other Class of Subordinate Certificates for which the Prepayment Distribution Triggers have not been satisfied, 0%; and (iii)Notwithstanding the foregoing, if the application of the foregoing percentages on any Distribution Date as provided in Section 4.02 of this Series Supplement (determined without regard to the proviso to the definition of "Subordinate Principal Distribution Amount") would result in a distribution in respect of principal of any Class or Classes of Subordinate Certificates in an amount greater than the remaining Certificate Principal Balance thereof (any such class, a "Maturing Class"), then: (a) the Prepayment Distribution Percentage of each Maturing Class shall be reduced to a level that, when applied as described above, would exactly reduce the Certificate Principal Balance of such Class to zero; (b) the Prepayment Distribution Percentage of each other Class of Subordinate Certificates (any such Class, a "Non-Maturing Class") shall be recalculated in accordance with the provisions in paragraph (ii) above, as if the Certificate Principal Balance of each Maturing Class had been reduced to zero (such percentage as recalculated, the "Recalculated Percentage"); (c) the total amount of the reductions in the Prepayment Distribution Percentages of the Maturing Class or Classes pursuant to clause (a) of this sentence, expressed as an aggregate percentage, shall be allocated among the Non-Maturing Classes in proportion to their respective Recalculated Percentages (the portion of such aggregate 12 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. Record Date: With respect to each Distribution Date and each Class of Certificates (other than the Adjustable Rate Certificates that are Book-Entry Certificates), the close of business on the last Business Day of the month preceding the month in which the related Distribution Date occurs. With respect to each Distribution Date and the Adjustable Rate Certificates (so long as they are Book-Entry Certificates), the close of business on the Business Day prior to such Distribution Date. 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: (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 Reserve Fund I or Reserve Fund II) 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, 13 (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 I: Any one or more segregated trust accounts that are Eligible Accounts, which shall be titled "Reserve Fund I, Deutsche Bank Trust Company Americas, as trustee for the registered holders of Residential Accredit Loans, Inc., Mortgage Asset-Backed Pass-Through Certificates, Series 2003-QS1, Class A-8." Reserve Fund II: Any one or more segregated trust accounts that are Eligible Accounts, which shall be titled "Reserve Fund II, Deutsche Bank Trust Company Americas, as trustee for the registered holders of Residential Accredit Loans, Inc., Mortgage Asset-Backed Pass-Through Certificates, Series 2003-QS1, Class A-8." Reserve Fund I Deposit: $75,000. Reserve Fund II Deposit: $10,000. Reserve Fund I Withdrawal: As defined in Section 4.09. Reserve Fund II 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, any 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. Retail Certificates: Any of the Class A-8 Certificates. Rounding Account: With respect to the Retail Certificates, the account created and maintained for such Retail Certificates pursuant to Section 4.10. 14 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: January 25, 2033. Senior Certificate: Any one of the Class A Certificates or Class R Certificates, executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit A and Exhibit D. Senior Percentage: As of the Distribution Date in February 2003, the lesser of 100% and a fraction, expressed as a percentage, the numerator of which is the aggregate Certificate Principal Balance of the Senior Certificates (other than the Class A-P Certificates) immediately prior to such Distribution Date and the denominator of which is the sum of (i) 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 and (ii) $471,634.95. As of any Distribution Date thereafter, the lesser of 100% and a fraction, expressed as a percentage, the numerator of which is the aggregate Certificate Principal Balance of the Senior Certificates (other than the Class A-P Certificates) immediately prior to such Distribution Date and the denominator of which is the aggregate Stated Principal Balance of all of the Mortgage Loans (or related REO Properties) (other than the related Discount Fraction of each Discount Mortgage Loan) immediately prior to such Distribution Date. Senior Principal Distribution Amount: As to any Distribution Date before the Credit Support Depletion Date, the lesser of (a) the balance of the Available Distribution Amount remaining after the distribution of all amounts required to be distributed pursuant to Section 4.02(a)(i), Section 4.02(a)(ii)(W) and Section 4.02(a)(ii)(X) of this Series Supplement, and (b) the sum of the amounts required to be distributed to the Senior Certificateholders on such Distribution Date pursuant to Sections 4.02(a)(ii)(Y), 4.02(a)(xvii) and 4.02(a)(xviii) of this Series Supplement. As to any Distribution Date on or after the Credit Support Depletion Date, the lesser of (a) the balance of the Available Distribution Amount remaining after the distribution of (i) all amounts required to be distributed pursuant to Section 4.02(a)(i) and (ii) the amount required to be distributed to the Class A-P Certificateholders pursuant to Section 4.02(c) of this Series Supplement, and (b) the sum of the amounts required to be distributed to the Senior Certificateholders on such Distribution Date pursuant to Sections 4.02(a)(ii)(Y), 4.02(a)(xvii) and 4.02(a)(xviii) of this Series Supplement. Senior Underwriter: Bear, Stearns & Co. Inc. 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 or a Subservicer 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) 15 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, (iv) any mitigation procedures implemented in accordance with Section 3.07, and (v) 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. Special Hazard Amount: As of any Distribution Date, an amount equal to $4,756,210 minus the sum of (i) the aggregate amount of Special Hazard Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 of this Series Supplement and (ii) the Adjustment Amount (as defined below) as most recently calculated. For each anniversary of the Cut-off Date, the Adjustment Amount shall be equal to the amount, if any, by which the amount calculated in accordance with the preceding sentence (without giving effect to the deduction of the Adjustment Amount for such anniversary) exceeds the greater of (A) the greater of (i) the product of the Special Hazard Percentage for such anniversary multiplied by the outstanding principal balance of all the Mortgage Loans on the Distribution Date immediately preceding such anniversary and (ii) twice the outstanding principal balance of the Mortgage Loan with the largest outstanding principal balance as of the Distribution Date immediately preceding such anniversary and (B) the 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. 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. Special Hazard Percentage: As of each anniversary of the Cut-off Date, the greater of (i) 1.0% and (ii) the largest percentage obtained by dividing the aggregate outstanding principal balance (as of immediately preceding Distribution Date) of the Mortgage Loans secured by Mortgaged Properties located in a single, five-digit zip code area in the State of California by the outstanding principal balance of all the Mortgage Loans as of the immediately preceding Distribution Date. Subordinate Principal Distribution Amount: With respect to any Distribution Date and each Class of Subordinate Certificates, (a) the sum of (i) the product of (x) the related Subordinate Class Percentage for such Class and (y) the aggregate of the amounts calculated (without giving effect to the 16 related Senior Percentages) for such Distribution Date under clauses (1), (2) and (3) of Section 4.02(a)(ii)(Y)(A); (ii) such Class's pro rata share, based on the Certificate Principal Balance of each Class of Subordinate Certificates then outstanding, of the principal collections described in Section 4.02(a)(ii)(Y)(B)(b) (without giving effect to the Senior Accelerated Distribution Percentage) to the extent such collections are not otherwise distributed to the Senior Certificates; (iii) the product of (x) the related Prepayment Distribution Percentage and (y) the aggregate of all Principal Prepayments in Full received in the related Prepayment Period and Curtailments received in the preceding calendar month (other than the related Discount Fraction of such Principal Prepayments in Full and Curtailments with respect to a Discount Mortgage Loan) to the extent not payable to the Senior Certificates; (iv) if such Class is the Class of Subordinate Certificates with the Highest Priority, any Excess Subordinate Principal Amount for such Distribution Date; and (v) any amounts described in clauses (i), (ii) and (iii) as determined for any previous Distribution Date, that remain undistributed to the extent that such amounts are not attributable to Realized Losses which have been allocated to a Class of Subordinate Certificates minus (b) with respect to the Class of Subordinate Certificates with the Lowest Priority, any Excess Subordinate Principal Amount for such Distribution Date; provided, however, that the Subordinate Principal Distribution Amount for any Class of Subordinate Certificates on any Distribution Date shall in no event exceed the outstanding Certificate Principal Balance of such Class of Certificates immediately prior to such date. Trust Fund: The assets of REMIC I, Reserve Fund I, Reserve Fund II and the Initial Monthly Payment 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. Uncertificated Pass-Through Rate: With respect to each of the Uncertificated REMIC I Regular Interests, other than the Uncertificated REMIC I Regular Interests Z, 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: 17 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 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 ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- P Class A-1 5.00% $ 50,000,000.00 ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- Q Class A-2, Class A-7, Class 5.75% $167,839,274.00 A-11, Class A-12 ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- R Class A-3 4.75% $ 30,000,000.00 ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- S Class A-4, Class A-5 8.50% $ 40,587,529.00 ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- T Class A-6 4.25% $ 74,410,471.00 ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- U Class A-8 5.70% $ 21,000,000.00 ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- V Class A-9, Class A-10 8.50% $ 24,545,454.00 ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- W Class A-13, Class A-14 8.50% $ 40,838,272.00 ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- X Class A-P 0.00% $ 1,429,525.04 ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- Y Class R-II, Class M-1, Class 6.00% M-2, Class M-3, Class B-1, $24,970,441.75 Class B-2, Class B-3 ----------------------- --------------------------------- ------------------- -------------------
Uncertificated REMIC I Regular Interests Z: Each of the 2,385 uncertificated partial undivided beneficial ownership interests in the Trust Fund, numbered sequentially from 1 to 2,385, each relating to the particular Mortgage Loan identified by such sequential number on the Mortgage Loan Schedule, each having no principal balance, and each bearing interest at the respective Pool Strip Rate on the Stated Principal Balance of the related Mortgage Loan. 18 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 2,385 uncertificated partial undivided beneficial ownership interests in REMIC II numbered sequentially from 1 through 2,385 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). Section 1.02. Use of Words and Phrases. "Herein," "hereby," "hereunder," "hereof," "hereinbefore," "hereinafter" and other equivalent words refer to the Pooling and Servicing Agreement as a whole. All references herein to Articles, Sections or Subsections shall mean the corresponding Articles, Sections and Subsections in the Pooling and Servicing Agreement. The definitions set forth herein include both the singular and the plural. Section 1.03. Determination of LIBOR. LIBOR applicable to the calculation of the Pass-Through Rates on the Floater Certificates and Inverse Floater Certificates, if any, for any Interest Accrual Period (other than the initial Interest Accrual Period) will be determined as described below: On each Distribution Date, LIBOR shall be established by the Trustee and, as to any Interest Accrual Period, will equal the rate for one month United States dollar deposits that appears on the Telerate Screen Page 3750 of the Moneyline Telerate Capital Markets Report as of 11:00 a.m., London time, on the second LIBOR Business Day prior to the first day of such Interest Accrual Period ("LIBOR Rate Adjustment Date"). "Telerate Screen Page 3750" means the display designated as page 3750 on the Telerate Service (or such other page as may replace page 3750 on that service for the purpose of displaying London interbank offered rates of major banks). If such rate does not appear on such page (or such other page as may replace that page on that service, or if such service is no longer offered, any other service for displaying LIBOR or comparable rates as may be selected by the Trustee after consultation with the Master Servicer), the rate will be the Reference Bank Rate. The "Reference Bank Rate" will be determined on the basis of the rates at which deposits in U.S. Dollars are offered by the reference banks (which shall be any three major banks that are engaged in transactions in the London interbank market, selected by the Trustee after consultation with the Master Servicer) as of 11:00 a.m., London time, on 19 the day that is one LIBOR Business Day prior to the immediately preceding Distribution Date to prime banks in the London interbank market for a period of one month in amounts approximately equal to the aggregate Certificate Principal Balance of the Adjustable Rate Certificates then outstanding. The Trustee will request the principal London office of each of the reference banks to provide a quotation of its rate. If at least two such quotations are provided, the rate will be the arithmetic mean of the quotations rounded up to the next multiple of 1/16%. If on such date fewer than two quotations are provided as requested, the rate will be the arithmetic mean of the rates quoted by one or more major banks in New York City, selected by the Trustee after consultation with the Master Servicer, as of 11:00 a.m., New York City time, on such date for loans in U.S. Dollars to leading European banks for a period of one month in amounts approximately equal to the aggregate Certificate Principal Balance of the Adjustable Rate Certificates then outstanding. If no such quotations can be obtained, the rate will be LIBOR for the prior Distribution Date, or, in the case of the first LIBOR Rate Adjustment Date, 1.42%; provided however, if, under the priorities described above, LIBOR for a Distribution Date would be based on LIBOR for the previous Distribution Date for the third consecutive Distribution Date, the Trustee shall, after consultation with the Master Servicer, select an alternative comparable index (over which the Trustee has no control), used for determining one-month Eurodollar lending rates that is calculated and published (or otherwise made available) by an independent party. "LIBOR Business Day" means any day other than (i) a Saturday or a Sunday or (ii) a day on which banking institutions in the city of London, England are required or authorized by law to be closed. The establishment of LIBOR by the Trustee on any LIBOR Rate Adjustment Date and the Master Servicer's subsequent calculation of the Pass-Through Rates applicable to each of the Floater Certificates and Inverse Floater Certificates for the relevant Interest Accrual Period, in the absence of manifest error, will be final and binding. Promptly following each LIBOR Rate Adjustment Date the Trustee shall supply the Master Servicer with the results of its determination of LIBOR on such date. Furthermore, the Trustee will supply the Pass-Through Rates on each of the Floater Certificates and Inverse Floater Certificates for the current and the immediately preceding Interest Accrual Period via the Trustee's internet website, which may be obtained by telephoning the Trustee at (800) 735-7777. 20 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 eight 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; 21 (vi) No more than 0.5% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date are secured by Mortgaged Properties located in any one zip code area in California and no more than 0.4% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date are secured by Mortgaged Properties located in any one zip code area outside California; (vii) The improvements upon the Mortgaged Properties are insured against loss by fire and other hazards as required by the Program Guide, including flood insurance if required under the National Flood Insurance Act of 1968, as amended. The Mortgage requires the Mortgagor to maintain such casualty insurance at the Mortgagor's expense, and on the Mortgagor's failure to do so, authorizes the holder of the Mortgage to obtain and maintain such insurance at the Mortgagor's expense and to seek reimbursement therefor from the Mortgagor; (viii) Immediately prior to the assignment of the Mortgage Loans to the Trustee, the Company had good title to, and was the sole owner of, each Mortgage Loan free and clear of any pledge, lien, encumbrance or security interest (other than rights to servicing and related compensation) and such assignment validly transfers ownership of the Mortgage Loans to the Trustee free and clear of any pledge, lien, encumbrance or security interest; (ix) Approximately 51.19% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a reduced loan documentation program, approximately 14.49% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a no-stated income program, and approximately 2.39% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a no income/no asset program; (x) Except with respect to approximately 19.43% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date, the Mortgagor represented in its loan application with respect to the related Mortgage Loan that the Mortgaged Property would be owner-occupied; (xi) None of the Mortgage Loans is a Buy-Down Mortgage Loan; (xii) Each Mortgage Loan constitutes a qualified mortgage under Section 860G(a)(3)(A) of the Code and Treasury Regulations Section 1.860G-2(a)(1); (xiii) A policy of title insurance was effective as of the closing of each Mortgage Loan and is valid and binding and remains in full force and effect, unless the Mortgaged Properties are located in the State of Iowa and an attorney's certificate has been provided as described in the Program Guide; (xiv) None of the Mortgage Loans is a Cooperative Loan; with respect to a Mortgage Loan that is a Cooperative Loan, the Cooperative Stock that is pledged as security for the Mortgage Loan is held by a person as a tenant-stockholder (as defined in Section 216 of the Code) in a cooperative housing corporation (as defined in Section 216 of the Code); 22 (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 contain in the related Mortgage File a Destroyed Mortgage Note; (xviii) None of the Mortgage Loans will have been made to International Borrowers, and no such Mortgagor is a member of a foreign diplomatic mission with diplomatic rank; (xix) No Mortgage Loan provides for payments that are subject to reduction by withholding taxes levied by any foreign (non-United States) sovereign government; and (xx) None of the Mortgage Loans are Additional Collateral Loans and none of the Mortgage Loans are Pledged Asset Loans. It is understood and agreed that the representations and warranties set forth in this Section 2.03(b) shall survive delivery of the respective Mortgage Files to the Trustee or any Custodian. Upon discovery by any of the Company, the Master Servicer, the Trustee or any Custodian of a breach of any of the representations and warranties set forth in this Section 2.03(b) that materially and adversely affects the interests of the Certificateholders in any Mortgage Loan, the party discovering such breach shall give prompt written notice to the other parties (any Custodian being so obligated under a Custodial Agreement); provided, however, that in the event of a breach of the representation and warranty set forth in Section 2.03(b)(xii), the party discovering such breach shall give such notice within five days of discovery. Within 90 days of its discovery or its receipt of notice of breach, the Company shall either (i) cure such breach in all material respects or (ii) purchase such Mortgage Loan from the Trust Fund at the Purchase Price and in the manner set forth in Section 2.02; provided that the Company shall have the option to substitute a Qualified Substitute Mortgage Loan or Loans for such Mortgage Loan if such substitution occurs within two years following the Closing Date; provided that if the omission or defect would cause the Mortgage Loan to be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code, any such cure or repurchase must occur within 90 days from the date such breach was discovered. Any such substitution shall be effected by the Company under the same terms and conditions as provided in Section 2.04 for substitutions by Residential Funding. It is understood and 23 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 the beneficial interest in REMIC I. Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular Interests; Acceptance by the Trustee. The Company, as of the Closing Date, and concurrently with the execution and delivery hereof, does hereby assign without recourse all the right, title and interest of the Company in and to the Uncertificated REMIC I Regular Interests to the Trustee for the benefit of the Holders of each Class of Certificates (other than the Class R-I Certificates). The Trustee acknowledges receipt of the Uncertificated REMIC I Regular Interests and declares that it holds and will hold the same in trust for the exclusive use and benefit of all present and future Holders of each Class of Certificates (other than the Class R-I Certificates). The rights of the Holders of each Class of Certificates (other than the Class R-I Certificates) to receive distributions from the proceeds of REMIC II in respect of such Classes, and all ownership interests of the Holders of such Classes in such distributions, shall be as set forth in this Agreement. Section 2.07. Issuance of Certificates Evidencing Interest in REMIC II. The Trustee acknowledges the assignment to it of the Uncertificated REMIC I Regular Interests and, concurrently therewith and in exchange therefor, pursuant to the written request of the Company executed by an officer of the Company, the Trustee has executed and caused to be authenticated and delivered to or upon the order of the Company, all Classes of Certificates (other than the Class R-I Certificates) in authorized denominations, which evidence the beneficial interest in the entire REMIC II. Purposes and Powers of the Trust. (See Section 2.08 of the Standard Terms). 24 ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS 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 25 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 rates at which the Servicing Fee and the Subservicing Fee with respect to such Mortgage Loan accrue and the rate at which the Insurance Premium accrues. The final maturity date for any Mortgage Loan shall not be extended beyond the Maturity Date. 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. (a)(i) (See Section 3.10(a)(i) of the Standard Terms) (ii) to reimburse itself or the related Subservicer for previously unreimbursed Advances, Servicing Advances or other 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; (a)(iii) -(vi). (See Section 3.10(a)(iii) -(vi) of the Standard Terms) (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, and any Advance or Servicing Advance made in connection with a modified Mortgage 26 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); (a)(viii) -(c). (See Section 3.10(a)(viii) -(c) 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. (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. Alternatively, the Master Servicer may take other actions in respect of a defaulted Mortgage Loan, which may include (i) accepting a short sale (a payoff of the Mortgage Loan for an amount less than the total amount contractually owed in order to facilitate a sale of the Mortgaged Property by the Mortgagor) or permitting a short refinancing (a payoff of the Mortgage Loan for an amount less than the total amount contractually owed in order to facilitate refinancing transactions by the Mortgagor not involving a sale of the Mortgaged Property), (ii) arranging for a repayment plan or (iii) agreeing to a modification in accordance with 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. 27 In addition to the foregoing, the Master Servicer shall use its best reasonable efforts to realize upon any Additional Collateral for such of the Additional Collateral Loans as come into and continue in default and as to which no satisfactory arrangements can be made for collection of delinquent payments pursuant to Section 3.07; provided that the Master Servicer shall not, on behalf of the Trustee, obtain title to any such Additional Collateral as a result of or in lieu of the disposition thereof or otherwise; and provided further that (i) the Master Servicer shall not proceed with respect to such Additional Collateral in any manner that would impair the ability to recover against the related Mortgaged Property, and (ii) the Master Servicer shall proceed with any REO Acquisition in a manner that preserves the ability to apply the proceeds of such Additional Collateral against amounts owed under the defaulted Mortgage Loan. Any proceeds realized from such Additional Collateral (other than amounts to be released to the Mortgagor or the related guarantor in accordance with procedures that the Master Servicer would follow in servicing 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 28 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 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) -(e). (See Section 3.14(b) -(e) 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) 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) 29 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) 30 ARTICLE IV PAYMENTS TO CERTIFICATEHOLDERS Section 4.01...Certificate Account. (a) (See Section 4.01(a) of the Standard Terms) (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. The Trustee or its Affiliates are permitted to receive compensation that could be deemed to be in the Trustee's economic self-interest for (i) serving as investment adviser (with respect to investments made through its Affiliates), administrator, shareholder servicing agent, custodian or sub-custodian with respect to certain of the Permitted Investments, (ii) using Affiliates to effect transactions in certain Permitted Investments and (iii) effecting transactions in certain Permitted Investments. (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 $471,634.95, which amount will be included in the Available Distribution Amount for the Mortgage Loans on the first Distribution Date and treated as the principal portion of the Purchase Price of a Mortgage Loan purchased in the month of January 2003. On the Certificate Account Deposit Date in February 2003, 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 $2,633.77, which amount will be included in the Available Distribution Amount for the Mortgage Loans on the first Distribution Date and treated as the interest portion of the Purchase Price of a Mortgage Loan purchased in the month of January 2003. 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)(iii) below, the amount required to be 31 distributed to the Master Servicer or a Sub-Servicer pursuant to Section 4.02(a)(iii) below, to the Certificate Insurer, in the case of a distribution pursuant to Section 4.02(a)(xvi) below, the amount required to be distributed to the Certificate Insurer pursuant to Section 4.02(a)(xvi), and to each Certificateholder of record on the next preceding Record Date (other than as provided in Section 9.01 respecting the final distribution) either in immediately available funds (by wire transfer or otherwise) to the account of such Certificateholder at a bank or other entity having appropriate facilities therefor, if such Certificateholder has so notified the Master Servicer or the Paying Agent, as the case may be, or, if such Certificateholder has not so notified the Master Servicer or the Paying Agent by the Record Date, by check mailed to such Certificateholder at the address of such Holder appearing in the Certificate Register such Certificateholder's share (which share (A) with respect to each Class of Certificates (other than any Subclass of the Class A-V Certificates), shall be based on the aggregate of the Percentage Interests represented by Certificates of the applicable Class held by such Holder or (B) with respect to any Subclass of the Class A-V Certificates, shall be equal to the amount (if any) distributed pursuant to Section 4.02(a)(i) below to each Holder of a Subclass thereof) of the following amounts, in the following order of priority (subject to the provisions of Section 4.02(b), (c) and (e) below), in each case to the extent of the Available Distribution Amount remaining, together with, as to any Retail Certificate, any Reserve Fund I Withdrawal and Reserve Fund II Withdrawal pursuant to Section 4.09 of this Series Supplement and any Insured Payment pursuant to Section 12.02 of this Series Supplement: (i) to the Senior Certificates (other than the Class A-P Certificates and prior to the Accretion Termination Date, the Accrual Certificates to the extent of the Accrual Distribution Amount), on a pro rata basis based on Accrued Certificate Interest payable on such Certificates with respect to such Distribution Date, Accrued Certificate Interest on such Classes of Certificates (or Subclasses, if any, with respect to the Class A-V Certificates) for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date except as provided in the last paragraph of this Section 4.02(a); and (ii) (W) to the Class A-P Certificates, the Class A-P Principal Distribution Amount (applied to reduce the Certificate Principal Balances of such Senior Certificates); (X) to the Accretion Directed Certificates, until the Certificate Principal Balance of the Accretion Directed Certificates has been reduced to zero, the Accrual Distribution Amount; and (Y) to the Senior Certificates (other than the Class A-P Certificates), in the priorities and amounts set forth in Section 4.02(b) and (c), the sum of the following (applied to reduce the Certificate Principal Balances of such Senior Certificates, as applicable): (A) the Senior Percentage for such Distribution Date times the sum of the following: (1) the principal portion of each Monthly Payment due during the related Due Period on each Outstanding Mortgage Loan (other than the related Discount Fraction of the principal portion of such payment with 32 respect to a Discount Mortgage Loan), whether or not received on or prior to the related Determination Date, minus the principal portion of any Debt Service Reduction (other than the related Discount Fraction of the principal portion of such Debt Service Reductions with respect to each Discount Mortgage Loan) which together with other Bankruptcy Losses exceeds the Bankruptcy Amount; (2) the Stated Principal Balance of any Mortgage Loan repurchased during the preceding calendar month (or deemed to have been so repurchased in accordance with Section 3.07(b)) pursuant to Section 2.02, 2.03, 2.04 or 4.07 and the amount of any shortfall deposited in the Custodial Account in connection with the substitution of a Deleted Mortgage Loan pursuant to Section 2.03 or 2.04 during the preceding calendar month (other than the related Discount Fraction of such Stated Principal Balance or shortfall with respect to each Discount Mortgage Loan); and (3) the principal portion of all other unscheduled collections (other than Principal Prepayments in Full and Curtailments and amounts received in connection with a Cash Liquidation or REO Disposition of a Mortgage Loan described in Section 4.02(a)(ii)(Y)(B) of this Series Supplement, including without limitation Insurance Proceeds, Liquidation Proceeds and REO Proceeds), including Subsequent Recoveries, received during the preceding calendar month (or deemed to have been so received in accordance with Section 3.07(b) of the Standard Terms) to the extent applied by the Master Servicer as recoveries of principal of the related Mortgage Loan pursuant to Section 3.14 of the Standard Terms (other than the related Discount Fraction of the principal portion of such unscheduled collections, with respect to each Discount Mortgage Loan); (B) with respect to each Mortgage Loan for which a Cash Liquidation or a REO Disposition occurred during the preceding calendar month (or was deemed to have occurred during such period in accordance with Section 3.07(b) of the Standard Terms) and did not result in any Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses or Extraordinary Losses, an amount equal to the lesser of (a) the Senior Percentage for such Distribution Date times the Stated Principal Balance of such Mortgage Loan (other than the related Discount Fraction of such Stated Principal Balance, with respect to each Discount Mortgage Loan) and (b) the Senior Accelerated Distribution Percentage for such Distribution Date times the related unscheduled collections (including without limitation Insurance Proceeds, Liquidation Proceeds and REO Proceeds) to the extent applied 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); 33 (C) the Senior Accelerated Distribution Percentage for such Distribution Date times the aggregate of all Principal Prepayments in Full received in the related Prepayment Period and Curtailments received in the preceding calendar month (other than the related Discount Fraction of such Principal Prepayments in Full and Curtailments, with respect to each Discount Mortgage Loan); (D) any Excess Subordinate Principal Amount for such Distribution Date; and (E) any amounts described in subsection (ii)(Y), clauses (A), (B) and (C) of this Section 4.02(a), as determined for any previous Distribution Date, which remain unpaid after application of amounts previously distributed pursuant to this clause (E) to the extent that such amounts are not attributable to Realized Losses which have been allocated to the Subordinate Certificates; (iii) if the Certificate Principal Balances of the Subordinate Certificates have not been reduced to zero, to the Master Servicer or a Sub-Servicer, by remitting for deposit to the Custodial Account, to the extent of and in reimbursement for any Advances or Sub-Servicer Advances previously made with respect to any Mortgage Loan or REO Property which remain unreimbursed in whole or in part following the Cash Liquidation or REO Disposition of such Mortgage Loan or REO Property, minus any such Advances that were made with respect to delinquencies that ultimately constituted Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses or Extraordinary Losses; (iv) to the Holders of the Class M-1 Certificates, the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below; (v) to the Holders of the Class M-1 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date, minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Sections 4.02(a)(vii), (ix), (xi), (xiii), (xiv) and (xv) of this Series Supplement are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class M-1 Certificates; (vi) to the Holders of the Class M-2 Certificates, the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below; (vii) to the Holders of the Class M-2 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date, minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or 34 remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Sections 4.02(a) (ix), (xi), (xiii), (xiv) and (xv) are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class M-2 Certificates; (viii) to the Holders of the Class M-3 Certificates, the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below; (ix) to the Holders of the Class M-3 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Sections 4.02(a)(xi), (xiii), (xiv) and (xv) are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class M-3 Certificates; (x) to the Holders of the Class B-1 Certificates, the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below; (xi) to the Holders of the Class B-1 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Sections 4.02(a)(xiii), (xiv) and (xv) are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class B-1 Certificates; (xii) to the Holders of the Class B-2 Certificates, the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below; (xiii) to the Holders of the Class B-2 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Sections 4.02(a)(xiv) and (xv) are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class B-2 Certificates; (xiv) to the Holders of the Class B-3 Certificates, an amount equal to (x) the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below, minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Section 4.02(a)(xv) are insufficient therefor; 35 (xv) to the Holders of the Class B-3 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates applied in reduction of the Certificate Principal Balance of the Class B-3 Certificates; (xvi) to the 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; (xvii) to the Senior Certificates, on a pro rata basis in accordance with their respective outstanding Certificate Principal Balances, the portion, if any, of the Available Distribution Amount remaining after the foregoing distributions, 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 Amount remaining after the Senior Certificates have been retired, applied to reduce the Certificate Principal Balance of each such Class of Subordinate Certificates, but in no event more than the outstanding Certificate Principal Balance of each such Class of Subordinate Certificates; and (xviii)to the Class R-I Certificates, the balance, if any, of the Available Distribution Amount. Notwithstanding the foregoing, on any Distribution Date, with respect to the Class of Subordinate Certificates outstanding on such Distribution Date with the Lowest Priority, or in the event the Subordinate Certificates are no longer outstanding, the Senior Certificates, Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date will be distributable only to the extent that such unpaid Accrued Certificate Interest was attributable to interest shortfalls relating to the failure of the Master Servicer to make any required Advance, or the determination by the Master Servicer that any proposed Advance would be a Nonrecoverable Advance with respect to the related Mortgage Loan where such Mortgage Loan has not yet been the subject of a Cash Liquidation or REO Disposition or the related Liquidation Proceeds, Insurance Proceeds and REO Proceeds have not yet been distributed to the Certificateholders. (b) Distributions of principal on the Senior Certificates on each Distribution Date occurring prior to the Credit Support Depletion Date will be made as follows: (i) first, to the Class A-P Certificates, until the Certificate Principal Balance thereof is reduced to zero, an amount (the "Class A-P Principal Distribution Amount") equal to the aggregate of: (A) the related Discount Fraction of the principal portion of each Monthly 36 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 Stated Principal Balance of such Discount Mortgage Loan immediately prior to such Distribution Date and (2) the aggregate amount of the collections on such Mortgage Loan to the extent applied as recoveries of principal; (D) any amounts allocable to principal for any previous Distribution Date (calculated pursuant to clauses (A) through (C) above) that remain undistributed; and (E) the amount of any Class A-P Collection Shortfalls for such Distribution Date and the amount of any Class A-P Collection Shortfalls remaining unpaid for all previous Distribution Dates, but only to the extent of the Eligible Funds for such Distribution Date; and (ii) second, an amount equal to the Accrual Distribution Amount shall be distributed sequentially to the Class A-11 Certificates and Class A-12 Certificates, in that order, until the aggregate Certificate Principal Balance of the Class A-11 Certificates and Class A-12 Certificates has been reduced to the Aggregate Targeted Principal Balance for such Distribution Date; (iii) the Senior Principal Distribution Amount shall be distributed in the following manner and priority: (A) first, concurrently to the Class R-I Certificates and Class R-II Certificates, on a pro rata basis in accordance with their respective Certificate Principal Balances, until the Certificate Principal Balances thereof have been reduced to zero; and 37 (B) second, the Senior Principal Distribution Amount remaining after the distributions made pursuant to Section 4.02(b)(iii)(A) above shall be distributed concurrently, as follows: (1) 90.90909107099% of the amount described in Section 4.02(b)(iii)(B) above in the following manner and priority: (a) on or after the Distribution Date in February 2006, $21,000 to the Class A-8 Certificates, until the Certificate Principal Balance of the Class A-8 Certificates has been reduced to zero; and (b) after the distribution described in Section 4.02(b)(iii)(B)(1)(a) above, concurrently as follows: (i) 54.28398965686% of the amount described in Section 4.02(b)(iii)(B)(1)(b) above, shall be distributed concurrently to the Class A-1, Class A-2, Class A-3 and Class A-9 Certificates, on a pro rata basis in accordance with their respective Certificate Principal Balances, until the Certificate Principal Balances of the Class A-1, Class A-2, Class A-3 and Class A-9 Certificates have been reduced to zero; and (ii) 45.71601034314% of the amount described in Section 4.02(b)(iii)(B)(1)(b) above, shall be distributed sequentially as follows: (1) first, to the Class A-4 Certificates and Class A-6 Certificates, on a pro rata basis in accordance with their respective Certificate Principal Balances, until the aggregate Certificate Principal Balances of the Class A-4 Certificates and Class A-6 Certificates has been reduced to the Aggregate Planned Principal Balance for such Distribution Date; (2) second, sequentially to the Class A-11 Certificates and Class A-12 Certificates, in that order, until the aggregate Certificate Principal Balance of the Class A-11 Certificates and Class A-12 Certificates, after taking into account any distributions of the Accrual Distribution Amount, has been reduced to the Aggregate Targeted Principal Balance for such Distribution Date; (3) third, sequentially to the Class A-7, Class A-11 and Class A-12 Certificates, in that order, without regard to the Aggregate Targeted Principal Balance of the Class A-11 38 Certificates and Class A-12 Certificates for that Distribution Date, until the Certificate Principal Balances of the Class A-7, Class A-11 and Class A-12 Certificates have been reduced to zero; and (4) fourth, concurrently to the Class A-4 Certificates and Class A-6 Certificates, on a pro rata basis in accordance with their respective Certificate Principal Balances, without regard to their Aggregate Planned Principal Balance for that Distribution Date, until the Certificate Principal Balances thereof have been reduced to zero; and (c) after the distributions described in Sections 4.02(b)(iii)(B)(1)(a) and 4.02(b)(iii)(B)(1)(b) above, to the Class A-8 Certificates, until the Certificate Principal Balance of the Class A-8 Certificates has been reduced to zero; and (2) 9.09090892901% of the amount described in Section 4.02(b)(iii)(B) above to the Class A-13 Certificates, until the Certificate Principal Balance of the Class A-13 Certificates has been reduced to zero. (c) On or after the Credit Support Depletion Date, all priorities relating to distributions as described in Section 4.02(b) above in respect of principal among the various classes of Senior Certificates (other than the Class A-P Certificates) will be disregarded, and (i) an amount equal to the Discount Fraction of the principal portion of scheduled payments and unscheduled collections received or advanced in respect of the Discount Mortgage Loans will be distributed to the Class A-P Certificates, (ii) the Senior Principal Distribution Amount will be distributed to the remaining Senior Certificates (other than the Class A-P Certificates) pro rata in accordance with their respective outstanding Certificate Principal Balances and (iii) the amount set forth in Section 4.02(a)(i) will be distributed as set forth therein. (d) After the reduction of the Certificate Principal Balances of the Senior Certificates (other than the Class A-P Certificates) to zero but prior to the Credit Support Depletion Date, the Senior Certificates (other than the Class A-P Certificates) will be entitled to no further distributions of principal thereon and the Available Distribution Amount will be paid solely to the holders of the Class A-P, Class A-V and Subordinate Certificates, in each case as described herein. (e) In addition to the foregoing distributions, with respect to any 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 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 39 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. (f) Each distribution with respect to a Book-Entry Certificate shall be paid to the Depository, as Holder thereof, and the Depository shall be solely responsible for crediting the amount of such distribution to the accounts of its Depository Participants in accordance with its normal procedures. Each Depository Participant shall be responsible for disbursing such distribution to the Certificate Owners that it represents and to each indirect participating brokerage firm (a "brokerage firm") for which it acts as agent. Each brokerage firm shall be responsible for disbursing funds to the Certificate Owners that it represents. None of the Trustee, the Certificate Registrar, the Company or the Master Servicer shall have any responsibility therefor. (g) Except as otherwise provided in Section 9.01, if the Master Servicer anticipates that a final distribution with respect to any Class of Certificates will be made on the next Distribution Date, the Master Servicer shall, no later than the Determination Date in the month of such final distribution, notify the Trustee and the Trustee shall, no later than two (2) Business Days after such Determination Date, mail on such date to each Holder of such Class of Certificates a notice to the effect that: (i) the Trustee anticipates that the final distribution with respect to such Class of Certificates will be made on such Distribution Date but only upon presentation and surrender of such Certificates at the office of the Trustee or as otherwise specified therein, and (ii) no interest shall accrue on such Certificates from and after the end of the related Interest Accrual Period. In the event that Certificateholders required to surrender their Certificates pursuant to Section 9.01(c) do not surrender their Certificates for final cancellation, the Trustee shall cause funds distributable with respect to such Certificates to be withdrawn from the Certificate Account and credited to a separate escrow account for the benefit of such Certificateholders as provided in Section 9.01(d). (h) 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 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 40 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. (i) On each Distribution Date preceding the Accretion Termination Date, Accrued Certificate Interest that would otherwise be distributed to the Accrual Certificates will be added to the Certificate Principal Balance of the Accrual Certificates and such amount will thereafter accrue interest at a rate of 5.75% per annum. On the Accretion Termination Date, the Accrued Certificate Interest on the Accrual Certificates for such date will be payable to the holders of the Accretion Directed Certificates as a distribution of principal pursuant to Section 4.02(b)(ii) until the Certificate Principal Balances thereof have been reduced to zero, any such amount will be added to the Certificate Principal Balance of the Accrual Certificates, and any remaining amount of Accrued Certificate Interest will be paid to the holders of the Accrual Certificates as a distribution of interest and will not be added to the Certificate Principal Balance thereof; provided, however, if the Accretion Termination Date is the Credit Support Depletion Date, the entire amount of Accrued Certificate Interest on the Accrual Certificates for such date will be payable to the holders of the Accrual Certificates as a distribution of interest and will not be added to the Certificate Principal Balance thereof. Section 4.03. Statements to Certificateholders; Exchange Act Reporting. (a) - (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 41 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 Seven 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 Eight. This Section 4.03(e) may be amended in accordance with this Agreement without the consent of the Certificateholders. Section 4.04. Distribution of Reports to the Trustee and the Company; Advances by the Master Servicer. (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, Reserve Fund I, Reserve Fund II 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 deposited into 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 42 Certificate Principal Balance thereof has been reduced to zero; third, to the Class B-1 Certificates until the Certificate Principal Balance thereof has been reduced to zero; fourth, to the Class M-3 Certificates until the Certificate Principal Balance thereof has been reduced to zero; fifth, to the Class M-2 Certificates until the Certificate Principal Balance thereof has been reduced to zero; sixth, to the Class M-1 Certificates until the Certificate Principal Balance thereof has been reduced to zero; and, thereafter, if any such Realized Losses are on a Discount Mortgage Loan, to the Class A-P Certificates in an amount equal to the Discount Fraction of the principal portion thereof, and the remainder of such Realized Losses on the Discount Mortgage Loans and the entire amount of such Realized Losses on Non-Discount Mortgage Loans will be allocated among all Senior Certificates (other than the Class A-P Certificates) on a pro rata basis, as described below. The principal portion of any Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses and Extraordinary Losses on Discount Mortgage Loans will be allocated to the Class A-P Certificates in an amount equal to the Discount Fraction thereof and the remainder of the principal portion of such Realized Losses on Discount Mortgage Loans and the entire amount of such Realized Losses on Non-Discount Mortgage Loans will be allocated among the Senior Certificates (other than the Class A-P Certificates) and Subordinate Certificates, on a pro rata basis, as described below. The interest portion of any Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses and Extraordinary Losses will be allocated to all the Certificates on a pro rata basis. As used herein, an allocation of a Realized Loss on a "pro rata basis" among two or more specified Classes of Certificates means an allocation on a pro rata basis, among the various Classes so specified, to each such Class of Certificates, on the basis of their then outstanding Certificate Principal Balances prior to giving effect to distributions to be made on such Distribution Date in the case of the principal portion of a Realized Loss or based on the Accrued Certificate Interest thereon payable on such Distribution Date (without regard to any Compensating Interest for such Distribution Date) in the case of an interest portion of a Realized Loss. Except as provided in the following sentence, any allocation of the principal portion of Realized Losses (other than Debt Service Reductions) to a Class of Certificates shall be made by reducing the Certificate Principal Balance thereof by the amount so allocated, which allocation shall be deemed to have occurred on such Distribution Date; provided that the Certificate Principal Balance of the Accrual Certificates for purposes of this Section 4.05 shall be the lesser of (a) the Certificate Principal Balance of Accrual Certificates as of the Closing Date, and (b) the Certificate Principal Balance of the Accrual Certificates as of the date of determination. Any allocation of the principal portion of Realized Losses (other than Debt Service Reductions) to the Subordinate Certificates then outstanding with the Lowest Priority shall be made by operation of the definition of "Certificate Principal Balance" and by operation of the provisions of Section 4.02(a). Allocations of the interest portions of Realized Losses shall be made in proportion to the amount of Accrued Certificate Interest and by operation of the 43 definition of "Accrued Certificate Interest" and by operation of the provisions of Section 4.02(a). Allocations of the principal portion of Debt Service Reductions shall be made by operation of the provisions of Section 4.02(a). All Realized Losses and all other losses allocated to a Class of Certificates hereunder will be allocated among the Certificates of such Class in proportion to the Percentage Interests evidenced thereby; provided that if any Subclasses of the Class A-V Certificates have been issued pursuant to Section 5.01(c), such Realized Losses and other losses allocated to the Class A-V Certificates shall be allocated among such Subclasses in proportion to the respective amounts of Accrued Certificate Interest payable on such Distribution Date that would have resulted absent such reductions. Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property. (See Section 4.06 of the Standard Terms) Section 4.07. Optional Purchase of Defaulted Mortgage Loans. (See Section 4.07 of the Standard Terms) Section 4.08. Surety Bond. (See Section 4.08 of the Standard Terms) Section 4.09. Reserve Funds. No later than the Closing Date, the Trustee will establish and maintain Reserve Fund I and Reserve Fund II. On the Closing Date the Senior Underwriter shall deposit with the Trustee, and the Trustee shall deposit into Reserve Fund I, cash in an amount equal to the Reserve Fund I Deposit and deposit into Reserve Fund II, cash in an amount equal to the Reserve Fund II Deposit. The Master Servicer shall direct the Trustee in writing on each Distribution Date to withdraw amounts on deposit in Reserve Fund I 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 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), to the extent of funds on deposit in Reserve Fund I (the amount of such withdrawal for any Distribution Date, the "Reserve Fund I Withdrawal"). In addition, the Master Servicer shall direct the Trustee in writing on each Distribution Date to withdraw amounts on deposit in Reserve Fund II 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 any Relief Act Shortfalls otherwise allocable to any Retail Certificates pursuant to the definition of Accrued Certificate Interest, to the extent of funds on deposit in Reserve Fund II (the amount of such withdrawal for any Distribution Date, the "Reserve Fund II Withdrawal"). For federal income tax purposes, the Senior Underwriter shall be the owner of Reserve Fund I and Reserve Fund II and shall report all items of income, deduction, gain or loss arising therefrom. Notwithstanding anything herein to the contrary, Reserve Fund I and Reserve Fund II shall not be an asset of any REMIC. Reserve Fund I and Reserve Fund II shall be invested in Permitted Investments at the direction of the Senior Underwriter. All income and gain realized from investment of funds deposited in the Reserve Fund I shall be deposited in the Reserve Fund I for the sole use and exclusive benefit of the Reserve Fund I. Similarly, all income and gain realized from investment of funds deposited in the Reserve Fund II shall be deposited in the Reserve Fund II for the sole use and exclusive benefit of the Reserve Fund II. The amount of any loss incurred in respect of any such investments shall be deposited in the related Reserve Fund by the Senior Underwriter out of its own funds immediately as realized without any right of reimbursement. The balance, if any, remaining in Reserve Fund I or Reserve Fund II 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 Senior Underwriter. To the extent that 44 Reserve Fund I or Reserve Fund II 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 Senior Underwriter, all within the meaning of Section 1.860G-2(h) of the Treasury Regulations. Reserve Fund I and Reserve Fund II 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 2003-QS1, Class A-8." On the Closing Date, the Senior Underwriter shall deposit with the Trustee, and the Trustee shall deposit into the Rounding Account, cash in an amount equal to $999.99. The Trustee shall hold such amount uninvested, unless otherwise directed by the Master Servicer. 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(h). 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(h). 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. 45 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 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 46 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 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 47 (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. 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 48 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. (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. 49 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) 50 ARTICLE VI THE COMPANY AND THE MASTER SERVICER (SEE ARTICLE VI OF THE STANDARD TERMS) 51 ARTICLE VII DEFAULT (SEE ARTICLE VII OF THE STANDARD TERMS) 52 ARTICLE VIII CONCERNING THE TRUSTEE (SEE ARTICLE VIII OF THE STANDARD TERMS) 53 ARTICLE IX TERMINATION (SEE ARTICLE IX OF THE STANDARD TERMS) 54 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 Reserve Fund I, Reserve Fund II 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 A-1, Class A-2, Class A-3, Class A-4, Class A-5, Class A-6, Class A-7, Class A-8, Class A-9, Class A-10, Class A-11, Class A-12, Class A-13, Class A-14, 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 55 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). (b)The amount described in Section 10.04(a)(ii) shall be deemed distributed to (i) Uncertificated REMIC I Regular Interest P, (ii) Uncertificated REMIC I Regular Interest Q, (iii) Uncertificated REMIC I Regular Interest R, (iv) Uncertificated REMIC I Regular Interest S, (v) Uncertificated REMIC I Regular Interest T, (vi) Uncertificated REMIC I Regular Interest U, (vii) Uncertificated REMIC I Regular Interest V, (viii) Uncertificated REMIC I Regular Interest W, (ix) Uncertificated REMIC I Regular Interest X and (x) Uncertificated REMIC I Regular Interest Y with the amount to be distributed allocated among such interests in accordance with the priority assigned to each Related Class of Certificates (other than the Class R-I Certificates), respectively, under Section 4.02(b) until the Uncertificated Principal Balance of each such interest is reduced to zero. (c)The portion of the Uncertificated REMIC I Regular Interest Distribution Amounts described in Section 10.04(a)(ii) shall be deemed distributed by REMIC I to REMIC II in accordance with the priority assigned to the REMIC II Certificates relative to that assigned to the REMIC I Certificates under Section 4.02(b). (d)In determining from time to time the Uncertificated REMIC I Regular Interest Distribution Amounts and Uncertificated REMIC II Regular Interest Distribution Amounts: (i) Realized Losses allocated to the Class A-V Certificates under Section 4.05 shall be deemed allocated to the Uncertificated REMIC II Regular Interests Z pro-rata according to the respective amounts of Uncertificated Accrued Interest that would have accrued on such Uncertificated REMIC II Regular Interests Z for the Distribution Date for which such allocation is being made in the absence of such allocation; (ii) Realized Losses allocated to the Class A-1 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest P; (iii) Realized Losses allocated to the Class A-2 Certificates, Class A-7 Certificates, Class A-11 Certificates and Class A-12 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest Q; (iv) Realized Losses allocated to the Class A-3 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest R; (v) Realized Losses allocated to the Class A-4 Certificates and Class A-5 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest S; (vi) Realized Losses allocated to the Class A-6 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest T; (vii) Realized Losses allocated to the Class A-8 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest U; 56 (viii) Realized Losses allocated to the Class A-9 Certificates and Class A-10 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest V; (ix) Realized Losses allocated to the Class A-13 Certificates and Class A-14 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest W; (x) Realized Losses allocated to the Class A-P Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest X; (xi) Realized Losses allocated to the 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 (xii) Realized Losses allocated to the Uncertificated REMIC II Regular Interests Z under clause (i), above, shall be deemed allocated, in each case, to the related Uncertificated REMIC I Regular Interest Z. (e)On each Distribution Date the Trustee shall be deemed to distribute from REMIC II, in the priority set forth in Sections 4.02(a) and (b), to the Holders of each Class of Certificates (other than the Class R-I Certificates) the amounts distributable thereon from the Uncertificated REMIC I Regular Interest Distribution Amounts deemed to have been received by REMIC II from REMIC I under this Section 10.04. The amounts deemed distributed hereunder with respect to the Class A-V Certificates shall be deemed to have been distributed in respect of the Uncertificated REMIC II Regular Interests Z in accordance with their respective Uncertificated REMIC II Regular Interest Distribution Amounts, as such Uncertificated REMIC II Regular Interests Z comprise the Class A-V Certificates. (f)Notwithstanding the deemed distributions on the Uncertificated REMIC I Regular Interests described in this Section 10.04, distributions of funds from the Certificate Account shall be made only in accordance with Section 4.02. Section 10.05. Compliance with Withholding Requirements. Notwithstanding any other provision of this Agreement, the Trustee or any Paying Agent, as applicable, shall comply with all federal withholding requirements respecting payments to Certificateholders, including interest or original issue discount payments or advances thereof that the Trustee or any Paying Agent, as applicable, reasonably believes are applicable under the Code. The consent of Certificateholders shall not be required for such withholding. In the event the Trustee or any Paying Agent, as applicable, does withhold any amount from interest or original issue discount payments or advances thereof to any Certificateholder pursuant to federal withholding requirements, the Trustee or any Paying Agent, as applicable, shall indicate the amount withheld to such Certificateholder pursuant to the terms of such requirements. 57 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 2003-QS1 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 ---------------------------------- --------------------------------------------- ---------------------------------- --------------------------------------------- Moody's Investors Service, Inc. 99 Church Street, 4th Street New York, New York 10007 ---------------------------------- --------------------------------------------- ---------------------------------- --------------------------------------------- Standard & Poor's Ratings 55 Water Street Services, a division of The 41st Floor McGraw-Hill Companies, Inc. New York, New York 10041 ---------------------------------- --------------------------------------------- ---------------------------------- --------------------------------------------- Certificate Insurer 113 King Street Armonk, New York 10504 Attention: Insured Portfolio Management - Structured Finance (RALI Series 2003-QS1) ---------------------------------- -------------------------------------------- 58 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, 59 (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, (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. 95% 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 A-5 Certificates, in accordance with their respective Percentage Interests; 1% of all Voting Rights shall be allocated among the Holders of the Class A-10 Certificates, in accordance with their respective Percentage Interests; 1% of all Voting Rights shall be allocated among the Holders of the Class A-14 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. 60 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 I Withdrawal and Reserve Fund II 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 and any Relief Act Shortfalls allocated to the Retail Certificates that were otherwise covered by Reserve Fund II) 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 11:00 a.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 61 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 Senior 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 62 Certificates to the Holders of such Certificates, the Certificate Insurer will be fully subrogated to, and each Retail Certificateholder, the Master Servicer, 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. 63 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// Lisa Lundsten Name: Lisa Lundsten Title: Vice President RESIDENTIAL FUNDING CORPORATION [Seal] By: //s// Julie Malanoski Name: Julie Malanoski Title: Director Attest://s// Joseph Orning Name: Joseph Orning Title: Director DEUTSCHE BANK TRUST COMPANY AMERICAS, as Trustee [Seal] By: //s// Ronaldo Reyes Name: Ronaldo Reyes Title: Associate By: //s// James Noriega Name: James F. Noriega Title: Associate Attest://s// Barbara Campbell Name: Barbara Campbell Title: Assistant Secretary 64 STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 30th day of January, 2003 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// Brian S. Bangerter Notary Public [Notarial Seal] 65 STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 30th day of January, 2003 before me, a notary public in and for said State, personally appeared Julie Malonoski, known to me to be a(n) Director of Residential Funding Corporation, one of the corporations that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. //s// Brian S. Bangerter Notary Public [Notarial Seal] 66 STATE OF CALIFORNIA ) ) ss.: COUNTY OF ORANGE ) On the 30th day of January, 2003 before me, a notary public in and for said State, personally appeared James F. Noriega, known to me to be a(n) 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] 67 STATE OF CALIFORNIA ) ) ss.: COUNTY OF ORANGE ) On the 30th day of January, 2003 before me, a notary public in and for said State, personally appeared Ronaldo Reyes, known to me to be a(n) 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] 68 EXHIBIT ONE MORTGAGE LOAN SCHEDULE RUN ON : 02/10/03 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 11.44.07 FIXED PASSTHRU REPORT AMORTIZED BALANCE SERIES : RALI 2003-QS1 CUTOFF : 01/01/03 POOL : 0004654 : : 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 --------------------------------------------------------------------------- 6943574 .2500 148,827.45 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 7668158 .2500 124,058.03 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 7686521 .2500 84,995.53 .0800 8.2500 .0000 8.0000 .0000 7.9200 .0000 6.0000 1.9200 7696829 .2500 269,962.19 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 7779363 .2500 397,782.32 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 7812935 .2500 68,967.92 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.0000 1.6700 1 7815079 .2500 110,822.44 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 7879147 .2500 535,336.29 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 7890909 .2500 177,877.67 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 7890941 .2500 137,244.73 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 7907093 .2500 125,862.92 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 7920817 .2500 359,925.94 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 7938167 .2500 179,589.21 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 7949305 .2500 219,086.71 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 1 7949311 .2500 131,054.33 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 7958779 .2500 109,730.50 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 7978539 .2500 358,718.96 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 7986901 .2500 219,696.17 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8011697 .2500 70,135.45 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 8022213 .2500 156,090.77 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 8046299 .2500 165,102.11 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 8048543 .5000 182,229.07 .0800 7.7500 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 1 8051187 .2500 137,575.33 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 8053533 .2500 115,740.11 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 8058489 .2500 125,664.66 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8058639 .2500 96,759.85 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 8066685 .2500 112,214.85 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8068211 .2500 112,068.69 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 8070755 .2500 267,320.67 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8073625 .2500 112,221.72 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 1 8073861 .2500 199,413.85 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8074291 .2500 90,057.64 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8076943 .2500 208,483.03 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 8080255 .2500 148,391.90 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8086787 .2500 323,309.52 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8086935 .2500 149,570.78 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8087643 .2500 91,443.85 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8090369 .2500 319,127.43 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 1 8097139 .2500 635,872.88 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8100823 .2500 136,477.91 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 8101091 .2500 188,555.02 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 8101277 .2500 426,832.95 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8101755 .2500 63,261.46 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8103169 .2500 71,866.32 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8103581 .2500 87,959.51 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8105477 .2500 443,756.94 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 1 8110141 .2500 199,129.46 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8111111 .2500 108,625.45 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 8115011 .2500 353,102.67 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8115823 .2500 35,921.32 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8117163 .2500 148,183.54 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8122645 .2500 121,206.78 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 8122649 .2500 308,676.28 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8122703 .2500 313,444.39 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 1 8125005 .2500 231,041.09 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 8125021 .2500 437,773.71 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8126991 .2500 50,194.44 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.0000 1.0450 8127497 .2500 433,193.92 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8128815 .2500 279,411.19 .0800 6.7000 .0000 6.4500 .0000 6.3700 .0000 6.0000 .3700 8130453 .2500 77,434.26 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8130777 .2500 97,343.59 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 8132827 .2500 164,099.13 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.0000 1.0450 1 8133429 .2500 45,777.82 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8135169 .2500 140,742.33 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8137853 .2500 157,307.28 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8138043 .2500 65,640.87 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8138109 .2500 407,260.32 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8140605 .2500 166,212.48 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8140761 .2500 319,405.67 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8144583 .2500 101,819.52 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 1 8145779 .2500 208,611.81 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8147877 .2500 120,791.05 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8150745 .2500 144,630.87 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8153119 .2500 174,283.61 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.0000 1.6700 8153179 .2500 133,983.78 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 8153197 .2500 29,950.68 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 8153257 .2500 121,384.83 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8156579 .2500 84,255.10 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 1 8157297 .2500 74,571.02 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8157647 .2500 91,833.21 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8159585 .2500 159,695.57 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8160707 .2500 325,394.51 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8161485 .2500 187,658.16 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8161535 .2500 180,695.01 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8163255 .2500 187,650.81 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8164427 .2500 189,180.66 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 1 8167051 .2500 255,512.92 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8168761 .2500 254,600.95 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 8169273 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359,331.37 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8184657 .2500 128,039.66 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 1 8184953 .2500 189,663.81 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8186341 .2500 120,376.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8188007 .2500 39,903.46 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 8188017 .2500 224,386.46 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8188019 .2500 121,276.36 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8188029 .2500 224,479.73 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 8188037 .2500 309,194.76 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8188049 .2500 276,447.56 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 1 8188103 .2500 52,940.86 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 8188127 .2500 111,791.97 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8188129 .2500 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6.5000 .0000 6.4200 .0000 6.0000 .4200 8327775 .2500 381,500.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8327827 .2500 446,250.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8327919 .2500 373,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8327975 .2500 364,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8328143 .2500 185,000.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 1 8328299 .2500 205,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8328735 .2500 500,000.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 8329249 .2500 352,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8329265 .2500 125,000.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8329653 .2500 120,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8329655 .2500 50,625.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.0000 1.0450 8329671 .2500 100,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8329689 .2500 237,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 1 8329695 .2500 124,800.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8329701 .2500 548,000.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 8329703 .2500 188,000.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 8329705 .2500 171,900.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8329719 .2500 69,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8329727 .2500 320,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8329745 .2500 46,800.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8329749 .2500 224,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 1 8329757 .2500 434,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8329775 .2500 189,000.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 8329779 .2500 427,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8329799 .2500 155,250.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8330135 .2500 145,600.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8330253 .2500 250,525.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8330279 .2500 80,400.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8330285 .2500 68,400.00 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 1 8330331 .2500 325,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8330333 .2500 240,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8330501 .2500 99,000.00 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8330521 .2500 126,600.00 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8330605 .2500 187,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8330755 .2500 202,000.00 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8330931 .2500 366,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8331031 .2500 344,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 1 8331079 .2500 62,900.00 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8331129 .2500 356,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8331179 .2500 104,405.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 8331213 .2500 88,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8331767 .2500 62,505.00 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8331773 .2500 500,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8333230 .2500 169,437.57 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8334397 .2500 123,900.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 1 8335130 .2500 150,064.97 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 8335659 .2500 51,300.00 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 8335709 .2500 117,600.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8335721 .2500 136,500.00 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8335727 .2500 62,400.00 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8335738 .2500 90,400.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 8335743 .2500 220,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8335757 .2500 144,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 1 8335779 .2500 168,300.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8335789 .2500 247,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8335793 .2500 169,600.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8335815 .2500 95,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8335821 .2500 232,000.00 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 8335829 .2500 300,700.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8335843 .2500 184,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8335853 .2500 364,500.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 1 8335862 .2500 135,874.04 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8335995 .2500 282,800.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8335997 .2500 255,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8336533 .2500 140,100.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 8336621 .2500 420,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8336735 .2500 260,100.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 8336857 .2500 115,200.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 8336987 .2500 175,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 1 8337253 .2500 58,000.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8337448 .2500 211,313.40 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8337533 .2500 63,750.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8337745 .2500 229,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8337747 .2500 44,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8337749 .2500 58,900.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 8337787 .2500 100,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8337803 .2500 97,600.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 1 8337823 .2500 53,500.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8337913 .2500 157,850.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8337959 .2500 169,500.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8338053 .2500 259,600.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8338291 .2500 124,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8338373 .2500 179,150.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8338411 .2500 168,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8338618 .2500 329,686.88 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 1 8338716 .2500 139,879.46 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8338728 .2500 159,375.58 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 8338785 .2500 354,400.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8338787 .2500 396,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8338791 .2500 114,500.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8338825 .2500 272,200.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8338883 .2500 187,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8338887 .2500 264,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 1 8338903 .2500 128,000.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8338907 .2500 220,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8338913 .2500 388,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8338961 .2500 179,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8338969 .2500 386,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8338985 .2500 328,800.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8339003 .2500 110,000.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8339012 .2500 255,757.09 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 1 8339493 .2500 517,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8339505 .2500 324,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8339557 .2500 135,900.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8339585 .2500 365,400.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8339602 .2500 352,188.99 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8339613 .2500 120,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8339627 .2500 170,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8339657 .2500 511,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 1 8340164 .2500 334,674.40 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8340435 .2500 281,750.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8340558 .2500 488,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8340668 .2500 175,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8340800 .2500 300,000.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 8340820 .2500 328,500.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 8341040 .2500 88,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8341233 .2500 95,928.75 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 1 8341394 .2500 524,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8341472 .2500 259,770.61 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8341796 .2500 200,400.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8342172 .2500 360,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8342335 .2500 118,400.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8342347 .2500 265,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8342379 .2500 182,400.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8342387 .2500 222,400.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 1 8342461 .2500 175,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8342487 .2500 60,120.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8342509 .2500 183,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8342535 .2500 244,883.60 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8342541 .2500 81,700.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8342605 .2500 268,000.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8342609 .2500 380,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8343467 .2500 90,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 1 8343738 .2500 496,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8343856 .2500 248,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8343977 .2500 282,150.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8344330 .2500 225,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8344733 .2500 101,500.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8345837 .2500 214,200.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8345965 .2500 344,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8346697 .2500 100,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 1 8347555 .2500 224,900.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8347649 .2500 235,852.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8350415 .2500 344,250.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8350453 .2500 215,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8350493 .2500 230,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8350537 .2500 74,500.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8351163 .2500 185,000.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 8353885 .2500 121,497.84 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 1 8353889 .2500 178,842.07 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8353923 .2500 120,500.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 8354011 .2500 112,436.93 .0800 8.8750 .0000 8.6250 .0000 8.5450 .0000 6.0000 2.5450 8354065 .2500 80,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8354069 .2500 53,550.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 8354101 .2500 144,000.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 8355045 .2500 195,990.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 1 8357107 .2500 37,100.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 TOTAL NUMBER OF LOANS: 2382 TOTAL BALANCE........: 475,149,431.84 RUN ON : 02/10/03 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 11.44.07 INITIAL SECURITY FEES AMORTIZED BALANCE SERIES : RALI 2003-QS1 FIXED SUMMARY REPORT CUTOFF : 01/01/03 POOL : 0004654 : : POOL STATUS: F WEIGHTED AVERAGES FROM TO ---------------------------------------------------------------------------- CURR NOTE RATE 6.6072 5.7500 8.8750 RFC NET RATE 6.3572 5.5000 8.6250 NET MTG RATE(INVSTR RATE) 6.2867 5.4700 8.5450 POST STRIP RATE 5.9819 5.4700 6.0000 SUB SERV FEE .2501 .2500 .5000 MSTR SERV FEE .0704 .0300 .0800 ALL EXP .0000 .0000 .0000 MISC EXP .0000 .0000 .0000 SPREAD .0000 .0000 .0000 STRIP .3048 .0000 2.5450 TOTAL NUMBER OF LOANS: 2382 TOTAL BALANCE........: 475,149,431.84 *************************** * END OF REPORT * *************************** RUN ON : 02/10/03 RFC DISCLOSURE SYSTEM RFFSD177-01 AT : 11.44.07 FIXED RATE LOAN LISTING AMORTIZED BALANCE SERIES : RALI 2003-QS1 CUTOFF : 01/01/03 POOL : 0004654 : : 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 # ______________________________________________________________________________ 6943574 601/G02 F 150,400.00 ZZ 360 148,827.45 1 7.125 1,013.28 80 6.875 1,013.28 DUNEDIN FL 34698 2 12/18/01 00 0433553047 05 02/01/02 0 61085973 O 01/01/32 0 7668158 E22/G02 F 125,900.00 ZZ 360 124,058.03 2 7.875 912.86 72 7.625 912.86 LOUISVILLE KY 40205 2 01/31/02 00 0413521543 05 03/01/02 0 0413521543 N 02/01/32 0 7686521 286/286 F 85,500.00 ZZ 360 84,995.53 2 8.250 642.34 90 8.000 642.34 ST LOUIS MO 63118 1 03/27/02 11 1052675 05 05/01/02 25 1052675 N 04/01/32 0 7696829 U05/G02 F 271,500.00 ZZ 360 269,962.19 1 7.500 1,898.37 80 7.250 1,898.37 DESOTO TX 75115 5 05/01/02 00 0434173274 05 07/01/02 0 1 3215630 O 06/01/32 0 7779363 N67/G02 F 400,000.00 ZZ 360 397,782.32 1 7.500 2,796.86 80 7.250 2,796.86 SCOTTSDALE AZ 85255 1 04/30/02 00 0434150504 01 07/01/02 0 1781001391A O 06/01/32 0 7812935 286/286 F 69,300.00 ZZ 360 68,967.92 3 8.000 508.50 90 7.750 508.50 BREMERTON WA 98337 1 05/10/02 11 820610 05 07/01/02 25 820610 N 06/01/32 0 7815079 286/286 F 112,500.00 ZZ 360 110,822.44 1 7.500 786.62 91 7.250 786.62 COON RAPIDS MN 55433 1 05/29/02 14 1296397 05 07/01/02 25 1296397 N 06/01/32 0 7879147 U42/G02 F 536,800.00 ZZ 360 535,336.29 1 6.500 3,392.94 80 6.250 3,392.94 HEATH TX 75032 5 09/24/02 00 0435066048 05 11/01/02 0 12201628 O 10/01/32 0 7890909 964/G02 F 178,500.00 ZZ 360 177,877.67 3 7.875 1,294.24 75 7.625 1,294.25 RENO NV 89502 2 07/03/02 00 0434350682 05 09/01/02 0 210201 N 08/01/32 0 1 7890941 964/G02 F 137,900.00 ZZ 360 137,244.73 1 7.250 940.72 80 7.000 940.72 DALLAS OR 97338 1 06/28/02 00 0434350492 05 08/01/02 0 222951 O 07/01/32 0 7907093 E82/G02 F 126,400.00 ZZ 360 125,862.92 1 6.875 830.36 85 6.625 830.36 HOUSTON TX 77018 2 07/31/02 04 0400646642 05 09/01/02 12 0400646642 O 08/01/32 0 7920817 369/G02 F 361,250.00 ZZ 360 359,925.94 1 7.625 2,556.91 85 7.375 2,556.91 SAN ANTONIO TX 78232 1 07/19/02 14 0434394995 05 09/01/02 12 0074220641 O 08/01/32 0 7938167 E22/G02 F 180,200.00 ZZ 360 179,589.21 1 6.875 1,183.79 85 6.625 1,183.79 CORAL SPRINGS FL 33076 1 08/09/02 04 0414624163 03 10/01/02 25 0414624163 O 09/01/32 0 7949305 964/G02 F 220,000.00 ZZ 360 219,086.71 2 7.000 1,463.66 80 6.750 1,463.67 MONROE WA 98272 1 07/10/02 00 0434399390 05 09/01/02 0 225443 O 08/01/32 0 7949311 964/G02 F 131,600.00 ZZ 360 131,054.33 1 7.000 875.53 80 6.750 875.53 1 PUYALLUP WA 98371 1 07/10/02 00 0434399432 05 09/01/02 0 225793 O 08/01/32 0 7958779 964/G02 F 110,300.00 ZZ 360 109,730.50 1 6.750 715.40 80 6.500 715.40 ALBANY OR 97321 1 07/18/02 00 0434432282 05 09/01/02 0 228429 O 08/01/32 0 7978539 E22/G02 F 360,000.00 ZZ 360 358,718.96 1 6.625 2,305.12 63 6.375 2,305.12 BOYNTON BEACH FL 33436 1 08/23/02 00 0414683649 03 10/01/02 0 0414683649 O 09/01/32 0 7986901 642/G02 F 220,500.00 ZZ 360 219,696.17 1 6.500 1,393.71 90 6.250 1,393.71 FRIDAY HARBOR WA 98250 1 08/22/02 41 0434490678 05 10/01/02 25 08-1149-02 O 09/01/32 0 8011697 313/G02 F 70,400.00 ZZ 360 70,135.45 1 7.500 492.25 80 7.250 492.25 CHICAGO IL 60643 2 08/09/02 00 0434506440 05 09/01/02 0 8867228 N 08/01/32 0 8022213 806/G02 F 156,800.00 ZZ 360 156,090.77 1 7.500 1,096.37 80 7.250 1,096.37 LAS VEGAS NV 89110 1 06/03/02 00 0434784369 03 08/01/02 0 114008119 O 07/01/32 0 1 8046299 U05/G02 F 165,650.00 ZZ 360 165,102.11 1 7.000 1,102.07 80 6.750 1,102.07 DALLAS TX 75243 5 08/29/02 00 0435134937 03 10/01/02 0 3258023 O 09/01/32 0 8048543 H58/G02 F 182,750.00 ZZ 360 182,229.07 4 7.750 1,309.24 85 7.250 1,309.24 BAKERSFIELD CA 93305 1 08/14/02 10 0434592291 05 10/01/02 12 105824 N 09/01/32 0 8051187 E22/G02 F 137,900.00 ZZ 360 137,575.33 1 7.250 940.72 80 7.000 940.72 MIAMI FL 33129 1 09/11/02 00 0414738047 06 11/01/02 0 0414738047 O 10/01/32 0 8053533 E22/G02 F 116,000.00 ZZ 360 115,740.11 1 7.500 811.09 80 7.250 811.09 MONTGOMERY TX 77356 5 09/16/02 00 0414781831 03 11/01/02 0 0414781831 O 10/01/32 0 8058489 M27/G02 F 126,000.00 ZZ 360 125,664.66 1 6.625 806.79 90 6.375 806.79 NASHVILLE TN 37212 1 09/16/02 01 0435112446 01 11/01/02 25 5000085034 N 10/01/32 0 8058639 738/G02 F 97,000.00 ZZ 360 96,759.85 1 1 7.000 645.35 78 6.750 645.35 COCONUT CREEK FL 33063 2 09/06/02 00 0434630984 01 11/01/02 0 40562159 O 10/01/32 0 8066685 E22/G02 F 112,500.00 ZZ 360 112,214.85 1 6.875 739.04 90 6.625 739.04 SALIDA CO 81201 1 09/26/02 01 0414908699 05 11/01/02 35 0414908699 O 10/01/32 0 8068211 420/G02 F 112,500.00 ZZ 360 112,068.69 2 7.500 786.62 90 7.250 786.62 DESERT HOT SPRI CA 92240 1 09/09/02 10 0434652897 05 11/01/02 25 72002789 N 10/01/32 0 8070755 X91/G02 F 268,000.00 ZZ 360 267,320.67 1 6.875 1,760.57 95 6.625 1,760.57 KAPOLEI HI 96707 5 09/16/02 41 0434754206 05 11/01/02 30 801851 O 10/01/32 0 8073625 E47/G02 F 112,500.00 ZZ 360 112,221.72 2 7.000 748.47 90 6.750 748.47 BLUE ISLAND IL 60406 1 09/18/02 11 0434983532 05 11/01/02 25 7360514005 N 10/01/32 0 8073861 P44/G02 F 200,000.00 ZZ 360 199,413.85 1 6.125 1,215.22 71 5.875 1,215.22 WHITMAN MA 02382 1 09/27/02 00 0434666301 05 11/01/02 0 1 20020706 O 10/01/32 0 8074291 W39/G02 F 90,250.00 ZZ 360 90,057.64 1 7.750 646.57 95 7.500 646.57 FORT WORTH TX 76133 2 09/20/02 01 0434669255 05 11/01/02 30 PNI21274 O 10/01/32 0 8076943 738/G02 F 209,000.00 ZZ 360 208,483.03 1 7.000 1,390.49 95 6.750 1,390.49 PEMBROKE PINES FL 33026 1 09/26/02 10 0435190566 09 11/01/02 30 40645157 O 10/01/32 0 8080255 806/G02 F 148,950.00 ZZ 360 148,391.90 1 6.750 966.09 80 6.500 966.09 LAS VEGAS NV 89110 1 08/06/02 00 0434709465 03 10/01/02 0 1140009029 O 09/01/32 0 8086787 737/G02 F 324,000.00 ZZ 360 323,309.52 3 7.750 2,321.18 80 7.500 2,321.18 ORANGE CA 92866 1 09/20/02 00 0434784955 05 11/01/02 0 2088477 N 10/01/32 0 8086935 E45/G02 F 150,000.00 ZZ 360 149,570.78 1 6.250 923.58 77 6.000 923.58 ROCKMART GA 30053 2 09/12/02 00 0434666285 05 11/01/02 0 82766 O 10/01/32 0 1 8087643 M37/G02 F 91,700.00 ZZ 360 91,443.85 1 6.375 572.09 90 6.125 572.09 ALBUQUERQUE NM 87105 2 09/23/02 04 0434700522 05 11/01/02 25 609204 O 10/01/32 0 8090369 U05/G02 F 320,000.00 ZZ 360 319,127.43 1 6.500 2,022.62 80 6.250 2,022.62 RICHMOND TX 77469 5 09/20/02 00 0435117874 03 11/01/02 0 3261064 O 10/01/32 0 8097139 E22/G02 F 637,000.00 ZZ 360 635,872.88 1 6.625 4,078.78 70 6.375 4,078.78 PACIFIC PALISAD CA 90272 5 10/02/02 00 0415083955 05 12/01/02 0 0415083955 O 11/01/32 0 8100823 T44/G02 F 136,800.00 ZZ 360 136,477.91 2 7.250 933.22 90 7.000 933.22 CALIFORNIA CITY CA 93505 1 09/17/02 01 0434784351 05 11/01/02 25 1051537 N 10/01/32 0 8101091 K15/G02 F 189,000.00 ZZ 360 188,555.02 1 7.250 1,289.31 90 7.000 1,289.31 MENTOR OH 44060 5 09/25/02 41 0434844965 05 11/01/02 25 028005304231 O 10/01/32 0 8101277 E47/G02 F 428,000.00 ZZ 360 426,832.95 1 6.500 2,705.25 80 6.250 2,705.25 1 SAN ANTONIO TX 78258 5 09/25/02 00 0435144860 03 11/01/02 0 7362511449 O 10/01/32 0 8101755 E47/G02 F 63,400.00 ZZ 360 63,261.46 1 7.625 448.74 80 7.375 448.74 SAN ANTONIO TX 78228 2 09/30/02 00 0435146865 05 11/01/02 0 7329012508 O 10/01/32 0 8103169 N74/G02 F 72,000.00 ZZ 360 71,866.32 1 7.750 515.82 80 7.500 515.82 RIVIERA BEACH FL 33404 5 10/07/02 00 0434786521 05 12/01/02 0 0030871010 N 11/01/32 0 8103581 F89/G02 F 88,200.00 ZZ 360 87,959.51 1 6.500 557.48 70 6.250 557.48 LAS VEGAS NV 89110 2 09/24/02 00 0434772976 05 11/01/02 0 23335 O 10/01/32 0 8105477 624/G02 F 445,000.00 ZZ 360 443,756.94 1 6.375 2,776.22 43 6.125 2,776.22 NEWPORT BEACH CA 92660 5 09/09/02 00 0434703567 03 11/01/02 0 1000010131 O 10/01/32 0 8110141 E22/G02 F 199,500.00 ZZ 360 199,129.46 1 6.375 1,244.62 95 6.125 1,244.62 SAINT ALBANS VT 05478 5 10/09/02 04 0414897488 05 12/01/02 30 0414897488 O 11/01/32 0 1 8111111 U42/G02 F 108,800.00 ZZ 360 108,625.45 1 7.125 733.01 80 6.875 733.01 AUSTIN TX 78704 1 10/02/02 00 0435132311 05 12/01/02 0 10201969 N 11/01/32 0 8115011 E45/G02 F 354,000.00 ZZ 360 353,102.67 1 6.875 2,325.53 80 6.625 2,325.53 ARLINGTON MA 02474 5 09/20/02 00 0434791521 05 11/01/02 0 255596 O 10/01/32 0 8115823 G34/G02 F 36,000.00 ZZ 360 35,921.32 1 7.625 254.81 80 7.375 254.81 OXON HILL MD 20745 1 09/30/02 00 0434796942 01 11/01/02 0 85206219 N 10/01/32 0 8117163 N67/G02 F 148,500.00 ZZ 360 148,183.54 1 7.750 1,063.87 90 7.500 1,063.87 NORTH LAS VEGAS NV 89032 1 09/26/02 01 0434758769 05 11/01/02 30 1162000516A O 10/01/32 0 8122645 U05/G02 F 121,500.00 ZZ 360 121,206.78 2 7.125 818.57 90 6.875 818.57 PARMA OH 44134 1 09/27/02 14 0435137807 05 11/01/02 25 3263008 N 10/01/32 0 8122649 U05/G02 F 309,500.00 ZZ 360 308,676.28 1 1 6.625 1,981.76 64 6.375 1,981.76 CARMICHAEL CA 95608 2 09/24/02 00 0435116520 05 11/01/02 0 3267654 O 10/01/32 0 8122703 U05/G02 F 314,000.00 ZZ 360 313,444.39 1 6.625 2,010.58 79 6.375 2,010.58 BURNET TX 78611 2 10/09/02 00 0435067921 05 12/01/02 0 3267597 O 11/01/32 0 8125005 N67/G02 F 231,600.00 ZZ 360 231,041.09 1 7.125 1,560.33 80 6.875 1,560.33 WINDSOR CO 80550 1 09/30/02 00 0434753943 03 11/01/02 0 1162000547A O 10/01/32 0 8125021 N67/G02 F 439,000.00 ZZ 360 437,773.71 1 6.375 2,738.79 54 6.125 2,738.79 SCOTTSDALE AZ 85262 2 09/13/02 00 0434753950 03 11/01/02 0 1760003112A O 10/01/32 0 8126991 253/253 F 50,310.00 ZZ 360 50,194.44 1 7.375 347.48 90 7.125 347.48 BALTIMORE MD 21216 1 09/26/02 10 436696 07 11/01/02 25 436696 N 10/01/32 0 8127497 696/G02 F 434,000.00 ZZ 360 433,193.92 1 6.375 2,707.60 75 6.125 2,707.60 CLIFTON VA 20124 5 10/15/02 00 0435126586 05 12/01/02 0 1 21402133 O 11/01/32 0 8128815 P09/G02 F 280,000.00 ZZ 360 279,411.19 1 6.700 1,806.78 95 6.450 1,806.78 UPPER MARLBORO MD 20774 2 10/15/02 10 0434803391 03 12/01/02 30 R0209056 O 11/01/32 0 8130453 721/G02 F 77,700.00 ZZ 360 77,434.26 1 6.250 478.42 71 6.000 478.42 HERMITAGE TN 37076 5 09/09/02 00 0434793923 05 11/01/02 0 7891200358 O 10/01/32 0 8130777 742/G02 F 97,500.00 ZZ 360 97,343.59 1 7.125 656.88 75 6.875 656.88 HIGHLAND NY 12528 1 10/08/02 00 0435176029 05 12/01/02 0 5712831 O 11/01/32 0 8132827 883/G02 F 164,350.00 ZZ 360 164,099.13 1 7.375 1,135.12 95 7.125 1,135.12 PHENIX CITY AL 36870 5 10/08/02 10 0435110341 05 12/01/02 30 05018732 O 11/01/32 0 8133429 253/253 F 45,900.00 ZZ 360 45,777.82 1 6.625 293.91 90 6.375 293.91 FORT WORTH TX 76148 1 09/30/02 14 436988 05 11/01/02 25 436988 N 10/01/32 0 1 8135169 R84/G02 F 141,100.00 ZZ 360 140,742.33 1 6.875 926.93 85 6.625 926.93 NORTH LAS VEGAS NV 89032 5 09/24/02 11 0434795233 05 11/01/02 12 WA800700 O 10/01/32 0 8137853 U05/G02 F 157,600.00 ZZ 360 157,307.28 1 6.375 983.22 80 6.125 983.22 VANCOUVER WA 98682 1 10/07/02 00 0434897773 05 12/01/02 0 3255492 O 11/01/32 0 8138043 U05/G02 F 66,000.00 ZZ 360 65,640.87 1 6.500 417.16 58 6.250 417.16 ELMIRA OR 97437 1 10/07/02 00 0434796835 05 12/01/02 0 3265883 N 11/01/32 0 8138109 X75/G02 F 408,000.00 ZZ 360 407,260.32 1 6.500 2,578.84 80 6.250 2,578.84 FAIRFIELD CA 94534 5 10/08/02 00 0435094321 03 12/01/02 0 02090242 O 11/01/32 0 8140605 U05/G02 F 166,500.00 ZZ 360 166,212.48 3 6.750 1,079.92 88 6.500 1,079.92 CHICAGO IL 60624 2 10/16/02 04 0434809737 05 12/01/02 25 3269622 O 11/01/32 0 8140761 E57/G02 F 320,000.00 ZZ 360 319,405.67 1 6.375 1,996.38 79 6.125 1,996.38 1 NORTH FORK CA 93643 2 10/10/02 00 0434823969 05 12/01/02 0 13002922 O 11/01/32 0 8144583 A06/G02 F 102,000.00 ZZ 360 101,819.52 1 6.625 653.12 89 6.375 653.12 PONTIAC MI 48340 5 10/19/02 11 0434799847 05 12/01/02 25 025000020224121 O 11/01/32 0 8145779 A06/G02 F 209,000.00 ZZ 360 208,611.81 1 6.375 1,303.89 88 6.125 1,303.89 SOUTHFIELD MI 48034 1 10/17/02 11 0434801247 05 12/01/02 25 025000020221731 O 11/01/32 0 8147877 601/G02 F 121,000.00 ZZ 360 120,791.05 1 6.750 784.81 80 6.500 784.81 NAPLES FL 34116 2 10/08/02 00 0434798534 05 12/01/02 0 84365142 O 11/01/32 0 8150745 E57/G02 F 144,900.00 ZZ 360 144,630.87 2 6.375 903.99 69 6.125 903.99 LOS ANGELES CA 90059 5 10/18/02 00 0434848412 05 12/01/02 0 06010377 O 11/01/32 0 8153119 F28/G02 F 175,000.00 ZZ 360 174,283.61 1 8.000 1,284.09 100 7.750 1,284.09 BERKLEY MI 48072 1 06/27/02 10 0434794814 05 08/01/02 35 1850394 O 07/01/32 0 1 8153179 F28/G02 F 134,300.00 ZZ 360 133,983.78 1 7.250 916.17 100 7.000 916.17 FORT MYERS FL 33912 1 09/11/02 11 0434795159 05 11/01/02 35 3637874 O 10/01/32 0 8153197 940/G02 F 30,000.00 ZZ 360 29,950.68 1 7.000 199.59 43 6.750 199.59 HESPERIA CA 92345 1 10/16/02 00 0434829545 05 12/01/02 0 65020443 O 11/01/32 0 8153257 W93/G02 F 121,600.00 ZZ 360 121,384.83 1 6.625 778.62 80 6.375 778.62 LAS VEGAS NV 89145 1 10/14/02 00 0434793709 05 12/01/02 0 35414249 O 11/01/32 0 8156579 X31/G02 F 84,500.00 ZZ 360 84,255.10 1 7.500 590.84 65 7.250 590.84 SAN BERNARDINO CA 92404 5 10/21/02 00 0434948220 05 12/01/02 0 11001390 O 11/01/32 0 8157297 758/G02 F 74,700.00 ZZ 360 74,571.02 1 6.750 484.50 90 6.500 484.50 COLLEGE STATION TX 77840 1 10/15/02 11 0435122650 05 12/01/02 25 201385 N 11/01/32 0 8157647 E22/G02 F 92,000.00 ZZ 360 91,833.21 1 1 6.500 581.50 80 6.250 581.50 HOUSTON TX 77083 5 10/25/02 00 0415019587 03 12/01/02 0 0415019587 O 11/01/32 0 8159585 X64/G02 F 160,000.00 ZZ 360 159,695.57 1 6.250 985.15 73 6.000 985.15 LIVONIA MI 48150 5 10/22/02 00 0435148846 05 12/01/02 0 0634264 O 11/01/32 0 8160707 956/G02 F 326,000.00 ZZ 360 325,394.51 1 6.375 2,033.82 34 6.125 2,033.82 BELL CANYON CA 91307 2 10/15/02 00 0434855789 05 12/01/02 0 512100005 O 11/01/32 0 8161485 E22/G02 F 188,000.00 ZZ 360 187,658.16 1 6.500 1,188.29 80 6.250 1,188.29 SEATTLE WA 98107 1 10/23/02 00 0415123967 05 12/01/02 0 0415123967 O 11/01/32 0 8161535 E22/G02 F 181,000.00 ZZ 360 180,695.01 1 6.875 1,189.04 73 6.625 1,189.04 CAMERON PARK CA 95682 2 10/21/02 00 0415177633 05 12/01/02 0 0415177633 O 11/01/32 0 8163255 E47/G02 F 188,000.00 ZZ 360 187,650.81 1 6.375 1,172.88 79 6.125 1,172.88 SALIDA CA 95368 5 10/09/02 00 0435110630 05 12/01/02 0 1 7359520481 O 11/01/32 0 8164427 M82/G02 F 189,500.00 ZZ 360 189,180.66 1 6.875 1,244.89 84 6.625 1,244.89 GAINESVILLE GA 30506 2 10/25/02 12 0434969036 03 12/01/02 12 10496 O 11/01/32 0 8167051 E47/G02 F 256,000.00 ZZ 360 255,512.92 1 6.250 1,576.24 80 6.000 1,576.24 SPRING BRANCH TX 78070 5 10/23/02 00 0435112180 05 12/01/02 0 7362511487 O 11/01/32 0 8168761 E22/G02 F 255,000.00 ZZ 360 254,600.95 1 7.250 1,739.55 85 7.000 1,739.55 STOCKBRIDGE GA 30281 5 10/30/02 01 0415227420 05 12/01/02 12 0415227420 O 11/01/32 0 8169273 W35/G02 F 36,000.00 ZZ 360 35,894.24 1 7.600 254.19 52 7.350 254.19 KOKOMO IN 46901 5 09/23/02 00 0434855615 05 10/27/02 0 12896 O 09/27/32 0 8170695 G34/G02 F 204,300.00 ZZ 360 203,827.05 2 7.250 1,393.69 90 7.000 1,393.69 NORTH LAS VEGAS NV 89030 1 10/29/02 10 0434886271 05 12/01/02 25 39012167 N 11/01/32 0 1 8170821 K15/G02 F 168,000.00 ZZ 360 167,840.60 2 6.250 1,034.40 80 6.000 1,034.40 MILFORD NH 03055 2 10/28/02 00 0434911681 05 01/01/03 0 033305306463 O 12/01/32 0 8172969 X08/G02 F 98,400.00 ZZ 360 98,221.62 1 6.500 621.95 80 6.250 621.95 PLEASANT GROVE UT 84062 2 10/17/02 00 0434894655 05 12/01/02 0 6014932 O 11/01/32 0 8179713 U05/G02 F 80,000.00 ZZ 360 79,865.20 1 6.875 525.54 19 6.625 525.54 AUSTIN TX 78733 5 10/21/02 00 0435014287 05 12/01/02 0 3264666 O 11/01/32 0 8179793 783/G02 F 184,500.00 ZZ 360 184,148.97 1 6.250 1,136.00 44 6.000 1,136.00 SNOHOMISH WA 98290 2 10/25/02 00 0434896759 05 12/01/02 0 9420150019 O 11/01/32 0 8181451 940/G02 F 181,900.00 ZZ 360 181,553.92 1 6.250 1,119.99 76 6.000 1,119.99 APPLE VALLEY CA 92307 5 10/21/02 00 0434896197 05 12/01/02 0 65010620 O 11/01/32 0 8183023 964/G02 F 229,500.00 ZZ 360 228,648.27 1 6.250 1,413.07 75 6.000 1,413.07 1 LAYTON UT 84040 2 10/21/02 00 0434842795 05 12/01/02 0 266217 O 11/01/32 0 8183091 964/G02 F 220,000.00 ZZ 360 219,550.31 1 5.875 1,301.38 58 5.625 1,301.38 PORTLAND OR 97266 5 10/16/02 00 0434844585 05 12/01/02 0 272969 O 11/01/32 0 8183157 964/G02 F 144,000.00 ZZ 360 143,726.03 1 6.250 886.63 72 6.000 886.63 NINE MILE FALLS WA 99026 5 10/15/02 00 0434855722 05 12/01/02 0 252466 O 11/01/32 0 8183191 964/G02 F 79,200.00 ZZ 360 79,056.41 1 6.500 500.60 80 6.250 500.60 ARLINGTON TX 76018 1 10/24/02 00 0434858874 05 12/01/02 0 284615 O 11/01/32 0 8184131 G34/G02 F 108,900.00 ZZ 360 108,720.96 1 7.000 724.51 90 6.750 724.51 LAS VEGAS NV 89108 1 10/28/02 10 0434915864 05 12/01/02 25 39012280 N 11/01/32 0 8184583 M27/G02 F 360,000.00 ZZ 360 359,331.37 1 6.375 2,245.93 80 6.125 2,245.93 PORT SAINT JOE FL 32456 2 10/30/02 00 0435110697 05 12/01/02 0 60083041 N 11/01/32 0 1 8184657 E22/G02 F 128,150.00 ZZ 360 128,039.66 1 6.750 831.18 95 6.500 831.18 CONYERS GA 30013 1 11/07/02 01 0415011717 05 01/01/03 35 0415011717 O 12/01/32 0 8184953 T44/G02 F 190,000.00 ZZ 360 189,663.81 1 6.625 1,216.59 75 6.375 1,216.59 CHINO CA 91710 5 10/24/02 00 0435113840 05 12/01/02 0 1056887 N 11/01/32 0 8186341 P09/G02 F 120,600.00 ZZ 360 120,376.00 1 6.375 752.39 80 6.125 752.39 DISTRICT HEIGHT MD 20747 2 10/18/02 00 0434907648 05 12/01/02 0 SPRIGGS O 11/01/32 0 8188007 313/G02 F 40,000.00 ZZ 360 39,903.46 1 7.125 269.49 77 6.875 269.49 BALTIMORE MD 21230 5 08/27/02 00 0434869210 07 11/01/02 0 8789877 N 10/01/32 0 8188017 313/G02 F 225,000.00 ZZ 360 224,386.46 1 6.500 1,422.16 90 6.250 1,422.16 DENVER CO 80205 1 09/12/02 11 0434867156 05 11/01/02 25 8975518 N 10/01/32 0 8188019 313/G02 F 121,600.00 ZZ 360 121,276.36 1 1 6.625 778.62 95 6.375 778.62 JOLIET IL 60432 5 09/09/02 11 0434868311 05 11/01/02 30 8944688 O 10/01/32 0 8188029 313/G02 F 225,000.00 ZZ 360 224,479.73 4 7.500 1,573.24 90 7.250 1,573.24 LOS ANGELES CA 90011 1 09/09/02 02 0434867826 05 11/01/02 25 8944464 N 10/01/32 0 8188037 313/G02 F 310,000.00 ZZ 360 309,194.76 1 6.750 2,010.66 57 6.500 2,010.66 CUPERTINO CA 95014 2 09/10/02 00 0434867842 09 11/01/02 0 8874497 O 10/01/32 0 8188049 313/G02 F 277,100.00 ZZ 360 276,447.56 4 7.250 1,890.32 90 7.000 1,890.32 SNELLVILLE GA 30078 1 09/13/02 11 0434867917 05 11/01/02 25 8942559 N 10/01/32 0 8188103 313/G02 F 53,100.00 ZZ 360 52,940.86 1 7.500 371.29 90 7.250 371.29 MEMPHIS TN 38122 1 08/23/02 11 0434869228 05 10/01/02 25 8877490 N 09/01/32 0 8188127 313/G02 F 112,000.00 ZZ 360 111,791.97 1 6.375 698.74 73 6.125 698.74 GLENDALE HEIGHT IL 60139 5 10/03/02 00 0434868097 01 12/01/02 0 1 8912008 O 11/01/32 0 8188129 313/G02 F 132,000.00 ZZ 360 131,631.27 1 6.375 823.51 80 6.125 823.51 MILLINGTON TN 38053 2 10/01/02 00 0434861589 05 11/01/02 0 8948549 O 10/01/32 0 8188255 940/G02 F 95,850.00 ZZ 360 95,684.49 1 6.750 621.68 76 6.500 621.68 HESPERIA AREA CA 92345 1 10/29/02 00 0434916334 05 12/01/02 0 6902093 N 11/01/32 0 8188293 E47/G02 F 81,000.00 ZZ 360 80,853.14 1 6.500 511.98 30 6.250 511.98 OAKLEY CA 94561 5 10/15/02 00 0434916995 05 12/01/02 0 7359520587 O 11/01/32 0 8188485 K15/G02 F 98,600.00 ZZ 360 98,449.48 1 7.375 681.01 85 7.125 681.01 MADISON HEIGHTS MI 48071 5 10/26/02 41 0434912978 05 12/01/02 12 035205504957 O 11/01/32 0 8189131 K31/G02 F 137,500.00 ZZ 360 137,250.73 1 6.500 869.09 80 6.250 869.09 DECATUR GA 30033 2 10/25/02 00 0434973731 01 12/01/02 0 932393 O 11/01/32 0 1 8190391 E22/G02 F 203,200.00 ZZ 360 203,016.31 1 6.500 1,284.36 80 6.250 1,284.36 SOUTH LAKE TAHO CA 96150 1 11/06/02 00 0415311059 05 01/01/03 0 0415311059 O 12/01/32 0 8190911 N47/G02 F 75,500.00 ZZ 360 75,349.30 1 6.000 452.66 54 5.750 452.66 SAN BERNARDINO CA 92405 2 10/28/02 00 0434946448 05 12/01/02 0 30500378 O 11/01/32 0 8192191 X10/G02 F 128,000.00 ZZ 360 127,884.28 1 6.500 809.05 80 6.250 809.05 KATY TX 77493 5 11/01/02 00 0435112040 05 01/01/03 0 60000186 O 12/01/32 0 8194513 225/G02 F 650,000.00 ZZ 360 648,095.02 1 6.125 3,949.47 73 5.875 3,949.47 ATLANTA GA 30309 5 10/22/02 00 0434962494 05 12/01/02 0 006850953 O 11/01/32 0 8195365 F89/G02 F 91,700.00 ZZ 360 91,529.69 1 6.375 572.09 33 6.125 572.09 WILDOMAR CA 92595 1 10/24/02 00 0434963294 05 12/01/02 0 24177 O 11/01/32 0 8195381 W40/G02 F 290,000.00 T 360 289,461.39 1 6.375 1,809.22 34 6.125 1,809.22 1 CEDAR MI 49621 2 11/04/02 00 0434941274 05 12/01/02 0 101013016 O 11/01/32 0 8195587 964/G02 F 123,950.00 ZZ 360 123,741.14 1 6.875 814.26 64 6.625 814.26 AURORA CO 80013 1 10/22/02 00 0434862082 03 12/01/02 0 267852 O 11/01/32 0 8195639 964/G02 F 215,950.00 ZZ 360 215,594.95 1 7.000 1,436.72 80 6.750 1,436.72 SEATTLE WA 98133 1 10/09/02 00 0434862330 05 12/01/02 0 275805 O 11/01/32 0 8196787 642/G02 F 238,000.00 ZZ 360 237,827.74 2 7.625 1,684.55 70 7.375 1,684.55 GRAND RAPIDS MI 49509 2 11/07/02 00 0434940458 05 01/01/03 0 10-2394-02 N 12/01/32 0 8200921 E47/G02 F 60,000.00 ZZ 360 59,742.16 1 6.875 394.16 80 6.625 394.16 ARNOLD CA 95223 1 10/25/02 00 0435126784 01 12/01/02 0 7333012668 N 11/01/32 0 8200949 X71/G02 F 146,320.00 ZZ 360 146,067.33 1 6.750 949.03 59 6.500 949.03 OAKLAND CA 94621 5 10/17/02 00 0434957023 05 12/01/02 0 7440023 O 11/01/32 0 1 8201141 313/G02 F 348,000.00 ZZ 360 342,046.18 1 6.625 2,228.29 77 6.375 2,228.29 MISSION VIEJO CA 92691 2 09/23/02 00 0434912036 03 11/01/02 0 8960981 O 10/01/32 0 8201145 313/G02 F 355,500.00 ZZ 360 354,553.83 1 6.625 2,276.31 80 6.375 2,276.31 CERRITOS CA 90703 2 09/27/02 00 0434930780 05 11/01/02 0 9035981 O 10/01/32 0 8201191 313/G02 F 348,750.00 ZZ 360 347,727.89 1 6.125 2,119.05 75 5.875 2,119.05 LA CANADA FLINT CA 91011 2 09/26/02 00 0434902045 05 11/01/02 0 8922213 O 10/01/32 0 8201307 313/G02 F 325,000.00 ZZ 360 324,299.59 1 6.000 1,948.54 61 5.750 1,948.54 FOUNTAIN VALLEY CA 92708 2 10/03/02 00 0434901088 05 12/01/02 0 8955874 O 11/01/32 0 8203273 W68/G02 F 136,000.00 ZZ 360 135,807.40 1 7.750 974.32 80 7.500 974.32 DALLAS TX 75229 5 10/03/02 00 0435012349 05 12/01/02 0 30721 O 11/01/32 0 8203973 Q49/G02 F 225,000.00 ZZ 240 224,554.81 1 1 6.750 1,710.82 69 6.500 1,710.82 ROME NY 13440 5 11/08/02 00 0435125349 05 01/01/03 0 41413802 O 12/01/22 0 8204045 A06/G02 F 160,250.00 ZZ 360 159,945.10 1 6.250 986.69 34 6.000 986.69 OXFORD MI 48370 5 10/29/02 00 0434956322 05 12/01/02 0 1000020225742 O 11/01/32 0 8205383 F64/G02 F 168,750.00 ZZ 360 168,485.93 2 7.250 1,151.17 90 7.000 1,151.17 NORFOLK VA 23513 1 11/05/02 14 0434940334 05 12/01/02 25 FITTE2000000874 N 11/01/32 0 8206003 E22/G02 F 144,000.00 ZZ 360 143,876.02 1 6.750 933.98 90 6.500 933.98 OWINGS MILLS MD 21117 5 11/08/02 04 0414793968 05 01/01/03 25 0414793968 O 12/01/32 0 8206121 E22/G02 F 60,000.00 ZZ 360 59,945.76 1 6.500 379.24 79 6.250 379.24 DOUGLASVILLE GA 30135 1 11/14/02 00 0415138445 05 01/01/03 0 0415138445 N 12/01/32 0 8206241 E22/G02 F 108,000.00 ZZ 360 107,904.71 1 6.625 691.54 70 6.375 691.54 DULUTH GA 30096 5 11/08/02 00 0415224591 05 01/01/03 0 1 0415224591 O 12/01/32 0 8206947 K15/G02 F 100,100.00 ZZ 360 100,007.29 1 6.375 624.49 51 6.125 624.49 BRENTWOOD NY 11717 5 11/06/02 00 0434945036 05 01/01/03 0 02080505706 O 12/01/32 0 8207533 T09/G02 F 300,700.00 ZZ 360 300,407.74 1 6.125 1,827.08 29 5.875 1,827.08 ARROYO GRANDE CA 93420 2 11/07/02 00 0434975132 05 01/01/03 0 2002227300 O 12/01/32 0 8207537 737/G02 F 128,150.00 ZZ 360 128,036.93 1 6.625 820.56 95 6.375 820.56 FORTSON GA 31808 1 11/07/02 01 0434945226 05 01/01/03 35 2095138 O 12/01/32 0 8207621 X82/G02 F 389,900.00 ZZ 360 389,538.87 1 6.375 2,432.47 80 6.125 2,432.47 STERLING VA 20164 1 11/08/02 00 0434944005 03 01/01/03 0 821325 O 12/01/32 0 8207993 696/G02 F 360,000.00 ZZ 360 359,347.36 1 6.500 2,275.44 80 6.250 2,275.44 LEESBURG VA 20175 1 10/30/02 00 0434972980 05 12/01/02 0 24002176 O 11/01/32 0 1 8208111 742/G02 F 85,000.00 ZZ 360 84,919.35 1 6.250 523.36 25 6.000 523.36 PEARL RIVER NY 10965 5 11/12/02 00 0434963880 05 01/01/03 0 5705447 O 12/01/32 0 8208373 L86/G02 F 959,000.00 T 360 958,133.05 1 6.500 6,061.53 32 6.250 6,061.53 NEWPORT BEACH CA 92625 2 11/07/02 00 0434969168 05 01/01/03 0 10001307 O 12/01/32 0 8208665 A06/G02 F 144,800.00 ZZ 360 144,665.88 1 6.375 903.37 80 6.125 903.37 WESTLAND MI 48186 2 11/07/02 00 0434938932 05 01/01/03 0 025000020223023 O 12/01/32 0 8210269 U42/G02 F 148,000.00 ZZ 360 147,881.65 1 7.125 997.10 80 6.875 997.10 SACHSE TX 75048 5 11/01/02 00 0435096706 05 01/01/03 0 12202856 O 12/01/32 0 8210423 967/G02 F 239,950.00 ZZ 360 239,504.32 1 6.375 1,496.98 80 6.125 1,496.98 SEATTLE WA 98107 1 10/28/02 00 0434989216 05 12/01/02 0 5776695 O 11/01/32 0 8210779 U36/G02 F 446,400.00 ZZ 360 445,570.88 1 6.375 2,784.96 80 6.125 2,784.96 1 POTOMAC MD 20854 1 10/15/02 00 0435077003 03 12/01/02 0 824102002 O 11/01/32 0 8211537 E82/G02 F 153,600.00 ZZ 360 153,457.74 1 6.375 958.26 78 6.125 958.26 SNELLVILLE GA 30078 2 11/13/02 00 0400729232 03 01/01/03 0 1781835 O 12/01/32 0 8212457 W53/G02 F 250,500.00 ZZ 360 250,088.12 1 7.000 1,666.59 90 6.750 1,666.59 MONROE GA 30656 2 10/28/02 11 0435037239 05 12/01/02 25 1310001031 O 11/01/32 0 8214159 Q57/G02 F 206,350.00 ZZ 360 205,975.91 1 6.500 1,304.27 80 6.250 1,304.27 SANTA ANA CA 92703 2 10/25/02 00 0434988473 05 12/01/02 0 32700065 O 11/01/32 0 8214749 758/G02 F 123,850.00 ZZ 360 123,740.73 1 6.625 793.03 19 6.375 793.03 DALLAS TX 75230 5 11/05/02 00 0434996575 05 01/01/03 0 401959 O 12/01/32 0 8215157 E22/G02 F 175,000.00 ZZ 360 174,860.05 2 7.125 1,179.01 90 6.875 1,179.01 CHICAGO IL 60623 5 11/13/02 04 0415079573 05 01/01/03 12 0415079573 O 12/01/32 0 1 8215811 Q57/G02 F 68,000.00 ZZ 360 67,940.01 1 6.625 435.41 72 6.375 435.41 ARROW BEAR PARK CA 92308 5 11/07/02 00 0435136924 05 01/01/03 0 48400727 O 12/01/32 0 8217291 X64/G02 F 267,000.00 ZZ 360 266,479.66 1 6.125 1,622.32 63 5.875 1,622.32 WEST BLOOMFIELD MI 48323 5 10/21/02 00 0435052980 05 12/01/02 0 91910801 O 11/01/32 0 8218063 E11/G02 F 118,500.00 ZZ 360 118,390.24 1 6.375 739.29 60 6.125 739.29 MINNEAPOLIS MN 55417 1 11/13/02 00 0435119441 05 01/01/03 0 2001050060 N 12/01/32 0 8218103 A46/G02 F 54,400.00 ZZ 360 54,312.74 1 7.125 366.50 80 6.875 366.50 BAYTOWN TX 77520 2 10/25/02 00 0434961637 05 12/01/02 0 0131604 O 11/01/32 0 8218285 E22/G02 F 315,000.00 ZZ 360 314,760.31 1 7.375 2,175.63 90 7.125 2,175.63 CLARK NJ 07066 1 11/19/02 01 0415363738 05 01/01/03 25 0415363738 O 12/01/32 0 8218341 E22/G02 F 200,000.00 ZZ 360 199,831.97 1 1 6.875 1,313.86 35 6.625 1,313.86 MAMARONECK NY 10538 5 11/14/02 00 0414780692 05 01/01/03 0 0414780692 O 12/01/32 0 8218497 E22/G02 F 71,500.00 ZZ 360 71,448.25 1 7.625 506.07 72 7.375 506.07 ALLEN TX 75002 5 11/19/02 00 0415424068 05 01/01/03 0 0415424068 N 12/01/32 0 8218741 A46/G02 F 161,200.00 ZZ 360 161,050.70 1 6.375 1,005.68 80 6.125 1,005.68 SAN LEON TX 77539 1 11/07/02 00 0435165717 05 01/01/03 0 0295125 O 12/01/32 0 8219299 A52/G02 F 80,000.00 ZZ 360 79,932.79 1 6.875 525.54 80 6.625 525.54 ATLANTA GA 30316 1 11/18/02 00 0434970984 05 01/01/03 0 22185 N 12/01/32 0 8220983 U05/G02 F 105,000.00 ZZ 360 104,911.78 1 6.875 689.78 75 6.625 689.78 ABERNATHY TX 79311 1 11/08/02 00 0435068374 05 01/01/03 0 3264693 O 12/01/32 0 8221791 W93/G02 F 650,000.00 ZZ 360 649,397.98 1 6.375 4,055.15 79 6.125 4,055.15 SANTA ROSA CA 95409 5 10/29/02 00 0435112727 03 01/01/03 0 1 18185975 O 12/01/32 0 8221975 R84/G02 F 188,000.00 ZZ 360 187,817.27 1 6.125 1,142.31 79 5.875 1,142.31 MURRRIETA CA 92562 5 11/01/02 00 0435087549 05 01/01/03 0 102317 O 12/01/32 0 8222027 A48/G02 F 400,000.00 ZZ 360 399,647.09 1 6.625 2,561.24 80 6.375 2,561.24 FREMONT CA 94538 5 11/01/02 00 0435123864 05 01/01/03 0 8511027846 O 12/01/32 0 8222033 E47/G02 F 162,400.00 ZZ 360 162,105.58 1 6.500 1,026.48 80 6.250 1,026.48 PLACERVILLE CA 95667 1 10/28/02 00 0434998217 05 12/01/02 0 7359512264 O 11/01/32 0 8222123 W57/G02 F 602,700.00 ZZ 360 601,525.43 1 6.125 3,662.07 73 5.875 3,662.07 FLOWER MOUND TX 75022 2 10/24/02 00 0434961348 03 12/01/02 0 204835810 O 11/01/32 0 8222233 E47/G02 F 164,800.00 ZZ 360 164,661.55 1 6.875 1,082.62 80 6.625 1,082.62 CONCORD CA 94521 1 11/07/02 00 0435109087 01 01/01/03 0 7359512048 O 12/01/32 0 1 8222827 944/G02 F 385,000.00 ZZ 360 384,634.69 1 6.250 2,370.52 29 6.000 2,370.52 ROLLING HILLS E CA 90274 5 11/04/02 00 0434966446 05 01/01/03 0 W02031724 O 12/01/32 0 8222923 E57/G02 F 51,750.00 ZZ 360 51,706.52 1 6.875 339.96 75 6.625 339.96 EL PASO TX 79925 5 11/14/02 00 0435156138 05 01/01/03 0 17004283 N 12/01/32 0 8223321 Q87/G02 F 125,000.00 ZZ 240 124,547.11 1 7.500 1,006.99 50 7.250 1,006.99 BOWDON GA 30108 5 11/14/02 00 0435026976 05 12/19/02 0 ALJI02 O 11/19/22 0 8223423 E57/G02 F 68,600.00 ZZ 360 68,542.37 1 6.875 450.65 75 6.625 450.65 EL PASO TX 79932 5 11/14/02 00 0435156260 05 01/01/03 0 17004282 N 12/01/32 0 8223851 E22/G02 F 600,000.00 ZZ 360 599,470.63 1 6.625 3,841.87 80 6.375 3,841.87 MARTINEZ GA 30907 2 11/13/02 00 0414559492 03 01/01/03 0 0414559492 O 12/01/32 0 8223861 E22/G02 F 100,000.00 T 360 99,907.38 1 6.375 623.87 18 6.125 623.87 1 FIRE ISLAND PIN NY 11782 5 11/20/02 00 0414992073 05 01/01/03 0 0414992073 O 12/01/32 0 8224115 E22/G02 F 264,000.00 ZZ 360 263,783.60 1 7.000 1,756.40 80 6.750 1,756.40 BEDFORD NH 03110 5 11/15/02 00 0415464122 01 01/01/03 0 0415464122 O 12/01/32 0 8225031 W39/G02 F 415,000.00 ZZ 360 414,668.12 1 7.125 2,795.94 80 6.875 2,795.94 EL PASO TX 79912 5 11/14/02 00 0435070024 03 01/01/03 0 PNI23650 O 12/01/32 0 8225571 X82/G02 F 1,000,000.00 ZZ 360 999,073.80 1 6.375 6,238.70 55 6.125 6,238.70 SUFFOLK VA 23434 2 11/07/02 00 0435067426 05 01/01/03 0 833105 O 12/01/32 0 8225597 T44/G02 F 364,000.00 ZZ 360 363,694.20 1 6.875 2,391.22 77 6.625 2,391.22 DUVALL WA 98019 2 11/05/02 00 0435156021 05 01/01/03 0 1053961 O 12/01/32 0 8225617 H81/G02 F 68,000.00 ZZ 360 67,938.52 1 6.500 429.81 34 6.250 429.81 SLINGER WI 53086 1 11/15/02 00 0434996708 05 01/01/03 0 WH17181 O 12/01/32 0 1 8226537 W58/G02 F 175,000.00 ZZ 360 174,825.79 1 6.000 1,049.21 39 5.750 1,049.21 SAN MARCOS CA 92096 5 11/08/02 00 0435001870 05 01/01/03 0 E020014060 O 12/01/32 0 8226593 N47/G02 F 500,000.00 ZZ 360 499,536.90 1 6.375 3,119.35 14 6.125 3,119.35 BIG SUR CA 93920 5 11/12/02 00 0435067459 05 01/01/03 0 20500295 O 12/01/32 0 8226667 G51/G02 F 220,500.00 ZZ 360 220,336.36 1 7.500 1,541.77 70 7.250 1,541.77 VAIL CO 81657 1 11/14/02 00 0435097407 20 01/01/03 0 28000063 N 12/01/32 0 8226721 N47/G02 F 310,000.00 ZZ 360 309,712.88 4 6.375 1,934.00 51 6.125 1,934.00 OAKLAND CA 94611 5 11/13/02 00 0435119870 05 01/01/03 0 20500871 O 12/01/32 0 8227175 E47/G02 F 340,000.00 ZZ 360 339,353.10 1 6.250 2,093.44 77 6.000 2,093.44 LAFAYETTE CA 94549 5 10/24/02 00 0435017686 05 12/01/02 0 7359520869 O 11/01/32 0 8227269 E57/G02 F 343,000.00 ZZ 360 342,689.93 1 1 6.500 2,167.99 66 6.250 2,167.99 STEVENSON RANCH CA 91381 2 11/11/02 00 0435016159 03 01/01/03 0 17004231 O 12/01/32 0 8227657 E82/G02 F 79,400.00 ZZ 360 79,341.07 1 7.500 555.18 78 7.250 555.18 RIVERDALE GA 30274 2 11/22/02 00 0400721593 05 01/01/03 0 5153276 N 12/01/32 0 8227675 E82/G02 F 79,600.00 ZZ 360 79,526.28 1 6.375 496.60 63 6.125 496.60 SMYRNA GA 30082 2 11/14/02 00 0400713186 05 01/01/03 0 1667593 N 12/01/32 0 8227785 E57/G02 F 62,400.00 ZZ 360 62,347.58 1 6.875 409.92 80 6.625 409.92 MORENO VALLEY CA 92553 1 11/15/02 00 0435116314 09 01/01/03 0 06010733 N 12/01/32 0 8227825 E22/G02 F 226,400.00 ZZ 360 226,205.07 2 6.750 1,468.43 80 6.500 1,468.43 NEW BRUNSWICK NJ 08901 1 11/21/02 00 0415041102 05 01/01/03 0 0415041102 O 12/01/32 0 8227931 E22/G02 F 70,000.00 ZZ 240 69,855.12 1 6.375 516.76 21 6.125 516.76 DENTON TX 76207 1 11/21/02 00 0415359454 03 01/01/03 0 1 0415359454 O 12/01/22 0 8228973 P09/G02 F 115,000.00 ZZ 360 114,888.23 1 6.125 698.75 31 5.875 698.75 CLIFTON VA 20124 5 11/19/02 00 0435004288 05 01/01/03 0 SMARK O 12/01/32 0 8229065 E47/G02 F 74,000.00 ZZ 360 73,934.71 1 6.625 473.83 80 6.375 473.83 SAN ANTONIO TX 78250 5 11/06/02 00 0435185129 03 01/01/03 0 7329012773 O 12/01/32 0 8229115 X64/G02 F 180,000.00 ZZ 360 179,833.28 1 6.375 1,122.97 80 6.125 1,122.97 PINCKNEY MI 48169 5 11/14/02 00 0435089081 05 01/01/03 0 MW6260 O 12/01/32 0 8229155 940/G02 F 73,800.00 ZZ 360 73,672.56 1 6.750 478.67 90 6.500 478.67 VICTORVILLE CA 92392 1 10/29/02 10 0435169016 05 12/01/02 25 65020528 O 11/01/32 0 8229279 830/G02 F 392,000.00 ZZ 360 391,609.76 1 6.000 2,350.24 80 5.750 2,350.24 SANDY UT 84092 5 11/13/02 00 0435010566 05 01/01/03 0 02110048 O 12/01/32 0 1 8229361 A35/G02 F 295,000.00 ZZ 360 294,733.32 1 6.500 1,864.60 68 6.250 1,864.60 FORT MYERS FL 33912 5 11/07/02 00 0435116645 03 01/01/03 0 14234 O 12/01/32 0 8229371 X44/G02 F 389,500.00 ZZ 360 389,180.73 4 7.000 2,591.35 95 6.750 2,591.35 BROOKLYN NY 11221 1 11/18/02 10 0435149919 05 01/01/03 30 0640447 O 12/01/32 0 8229613 G34/G02 F 65,600.00 ZZ 360 65,550.09 2 7.375 453.08 70 7.125 453.08 ARLINGTON TX 76015 2 11/12/02 00 0435001334 05 01/01/03 0 85209484 N 12/01/32 0 8229625 E11/G02 F 160,000.00 ZZ 360 159,855.36 1 6.500 1,011.31 80 6.250 1,011.31 MINNEAPOLIS MN 55414 1 11/20/02 00 0434998225 05 01/01/03 0 1 N 12/01/32 0 8230053 601/G02 F 162,000.00 ZZ 360 161,706.31 1 6.500 1,023.95 78 6.250 1,023.95 MARIETTA GA 30062 2 10/17/02 00 0434972246 05 12/01/02 0 62009642 O 11/01/32 0 8230617 E82/G02 F 80,000.00 ZZ 360 79,925.90 1 6.375 499.10 24 6.125 499.10 1 RENO NV 89511 2 11/21/02 00 0400714812 05 01/01/03 0 1639569 O 12/01/32 0 8230857 601/G02 F 101,500.00 ZZ 360 101,324.73 1 6.750 658.33 31 6.500 658.33 FRANKFORT IL 60423 5 10/15/02 00 0434962965 05 12/01/02 0 61949301 O 11/01/32 0 8230897 601/G02 F 155,900.00 ZZ 360 155,617.35 1 6.500 985.40 16 6.250 985.40 JACKSONVILLE FL 32259 2 10/16/02 00 0434963666 05 12/01/02 0 61850079 O 11/01/32 0 8231039 E22/G02 F 134,910.00 ZZ 360 134,817.16 4 7.875 978.19 90 7.625 978.19 RUTLAND VT 05701 1 11/22/02 04 0415292408 05 01/01/03 25 0415292408 N 12/01/32 0 8231811 G34/G02 F 72,000.00 ZZ 360 71,863.00 1 6.250 443.32 80 6.000 443.32 ARLINGTON TX 76010 5 10/23/02 00 0435052246 05 12/01/02 0 85200360 O 11/01/32 0 8232241 U05/G02 F 112,000.00 ZZ 360 111,901.18 1 6.625 717.15 80 6.375 717.15 GRAPEVINE TX 76051 5 11/12/02 00 0435115340 05 01/01/03 0 3274356 O 12/01/32 0 1 8232797 601/G02 F 156,650.00 ZZ 360 156,392.43 1 7.000 1,042.20 95 6.750 1,042.20 MIDLAND GA 31820 1 10/30/02 14 0434960985 05 12/01/02 30 62042494 O 11/01/32 0 8232861 B49/G02 F 394,250.00 ZZ 360 393,866.81 1 6.125 2,395.51 95 5.875 2,395.51 SILVERTHORNE CO 80498 1 11/25/02 11 0435017462 03 01/01/03 30 00028126060 O 12/01/32 0 8232865 P09/G02 F 79,000.00 ZZ 360 78,919.46 1 5.875 467.31 35 5.625 467.31 ALEXANDRIA VA 22314 5 11/21/02 00 0435112255 07 01/01/03 0 R0210670 O 12/01/32 0 8233097 F61/G02 F 243,800.00 ZZ 360 243,574.20 1 6.375 1,520.99 77 6.125 1,520.99 SEATTLE WA 98119 2 11/19/02 00 0435055025 05 01/01/03 0 021115S O 12/01/32 0 8233115 P09/G02 F 212,500.00 ZZ 360 212,303.19 1 6.375 1,325.72 84 6.125 1,325.72 STAFFORD VA 22556 2 11/20/02 10 0435020037 05 01/01/03 12 R0209189 O 12/01/32 0 8233281 P09/G02 F 249,000.00 ZZ 360 248,763.73 1 1 6.250 1,533.14 83 6.000 1,533.14 CHESTERFIELD VA 23838 2 11/21/02 10 0435071477 05 01/01/03 25 R0208865 O 12/01/32 0 8233771 601/G02 F 150,000.00 ZZ 360 149,765.25 1 7.250 1,023.27 25 7.000 1,023.27 LYONS CO 80540 5 11/04/02 00 0434961298 05 12/01/02 0 6209498 O 11/01/32 0 8235245 E22/G02 F 285,000.00 ZZ 360 284,723.00 1 6.125 1,731.69 57 5.875 1,731.69 MIAMI FL 33175 5 11/19/02 00 0414775809 05 01/01/03 0 0414775809 O 12/01/32 0 8235277 E22/G02 F 400,000.00 ZZ 360 399,647.09 1 6.625 2,561.24 80 6.375 2,561.24 SAN JOSE CA 95131 5 11/15/02 00 0415055979 05 01/01/03 0 0415055979 O 12/01/32 0 8235325 Q87/G02 F 111,200.00 ZZ 360 110,993.47 1 6.375 693.74 80 6.125 693.74 INVERNESS FL 34452 5 11/21/02 00 0435008594 05 12/26/02 0 BORO06 O 11/26/32 0 8236429 U42/G02 F 384,000.00 ZZ 360 383,644.34 1 6.375 2,395.66 80 6.125 2,395.66 LITTLETON CO 80126 5 11/08/02 00 0435017215 03 01/01/03 0 1 28200930 O 12/01/32 0 8237135 313/G02 F 84,800.00 ZZ 360 84,721.45 1 6.375 529.05 80 6.125 529.05 BETHLEHEM GA 30620 1 11/08/02 00 0435110580 05 01/01/03 0 0009096231 O 12/01/32 0 8237165 N47/G02 F 238,500.00 ZZ 360 238,279.10 2 6.375 1,487.93 53 6.125 1,487.93 BERKELEY CA 94703 2 11/20/02 00 0435077672 05 01/01/03 0 20500747 O 12/01/32 0 8237887 E47/G02 F 240,000.00 ZZ 360 239,772.28 1 6.250 1,477.72 60 6.000 1,477.72 PLEASANTON CA 94588 5 11/07/02 00 0435052337 09 01/01/03 0 7359520906 O 12/01/32 0 8237899 286/286 F 126,200.00 ZZ 360 125,965.60 1 6.375 787.33 32 6.125 787.33 CARLSBAD CA 92009 5 10/24/02 00 1626744 01 12/01/02 0 1626744 O 11/01/32 0 8237915 286/286 F 63,200.00 ZZ 360 63,098.60 1 7.125 425.80 80 6.875 425.80 SAVANNAH GA 31405 5 10/15/02 00 1634961 05 12/01/02 0 1634961 N 11/01/32 0 1 8238089 W02/G02 F 73,100.00 ZZ 360 73,035.50 1 6.625 468.07 85 6.375 468.07 JACKSONVILLE FL 32210 5 11/06/02 14 0435142443 05 01/01/03 12 1001710250 O 12/01/32 0 8238451 E11/G02 F 141,600.00 ZZ 360 141,468.85 1 6.375 883.40 80 6.125 883.40 ST LOUIS PARK MN 55416 1 11/22/02 00 0435052873 05 01/01/03 0 0050001049423 O 12/01/32 0 8239103 E22/G02 F 157,000.00 ZZ 360 156,861.48 1 6.625 1,005.29 90 6.375 1,005.29 MCALLEN TX 78504 2 11/26/02 01 0415302447 05 01/01/03 25 0415302447 N 12/01/32 0 8239267 A35/G02 F 275,400.00 ZZ 360 275,185.17 4 7.250 1,878.71 90 7.000 1,878.71 HEMPSTEAD NY 11550 1 11/14/02 14 0435158548 05 01/01/03 30 LG14127 N 12/01/32 0 8239269 L76/G02 F 146,000.00 ZZ 360 145,861.47 1 6.250 898.95 80 6.000 898.95 ST PAUL MN 55117 5 11/19/02 00 0435034525 05 01/01/03 0 9507282 O 12/01/32 0 8239271 M18/G02 F 384,000.00 ZZ 360 383,652.86 1 6.500 2,427.14 80 6.250 2,427.14 1 LOS ANGELES CA 91042 5 11/04/02 00 0435077581 05 01/01/03 0 980102091 O 12/01/32 0 8239491 X82/G02 F 194,650.00 ZZ 360 194,498.15 1 7.250 1,327.86 95 7.000 1,327.86 STERLING VA 20164 1 11/22/02 11 0434972220 05 01/01/03 30 844345 O 12/01/32 0 8240409 U05/G02 F 328,000.00 ZZ 360 327,703.49 4 6.500 2,073.18 85 6.250 2,073.18 LONG BEACH CA 90813 2 11/12/02 14 0435131784 05 01/01/03 12 3265740 O 12/01/32 0 8241019 998/998 F 329,550.00 ZZ 360 328,562.46 1 7.500 2,304.27 80 7.250 2,304.27 NORTHBROOK IL 60062 2 08/08/02 00 5164779 03 10/01/02 0 5164779 O 09/01/32 0 8241071 408/G02 F 108,000.00 ZZ 360 107,822.42 1 7.000 718.53 80 6.750 718.53 OVERLAND PARK KS 66210 5 11/07/02 00 0435047931 29 12/01/02 0 703031031 N 11/01/32 0 8241095 X80/G02 F 296,000.00 ZZ 360 295,751.32 1 6.875 1,944.51 80 6.625 1,944.51 LOS ANGELES CA 90035 2 11/11/02 00 0435065628 01 01/01/03 0 1410073220 O 12/01/32 0 1 8241183 U05/G02 F 437,000.00 ZZ 360 436,595.25 1 6.375 2,726.31 80 6.125 2,726.31 FOLSOM CA 95630 2 11/09/02 00 0435094891 05 01/01/03 0 3276164 O 12/01/32 0 8241195 E47/G02 F 359,200.00 ZZ 360 358,875.28 1 6.500 2,270.39 80 6.250 2,270.39 GALT CA 95632 2 11/08/02 00 0435054226 05 01/01/03 0 7333012699 O 12/01/32 0 8241215 642/G02 F 229,000.00 ZZ 360 228,782.72 1 6.250 1,409.99 80 6.000 1,409.99 OCEANSIDE CA 92056 2 11/15/02 00 0435121553 05 01/01/03 0 09201002 O 12/01/32 0 8241311 758/G02 F 427,000.00 ZZ 360 426,594.85 1 6.250 2,629.11 72 6.000 2,629.11 SAN ANTONIO TX 78212 5 11/01/02 00 0435116173 05 01/01/03 0 461063 O 12/01/32 0 8241323 R84/G02 F 116,800.00 ZZ 360 116,583.07 1 6.375 728.68 70 6.125 728.68 STARTUP WA 98293 2 10/15/02 00 0434991675 05 12/01/02 0 WA100210 N 11/01/32 0 8241463 E11/G02 F 226,950.00 ZZ 360 226,739.80 1 1 6.375 1,415.87 49 6.125 1,415.87 SAINT PAUL MN 55104 5 11/20/02 00 0435187836 05 01/01/03 0 1 O 12/01/32 0 8241469 E47/G02 F 222,000.00 ZZ 360 221,789.36 1 6.250 1,366.89 73 6.000 1,366.89 ANTIOCH CA 94531 5 11/05/02 00 0435047550 05 01/01/03 0 7359512258 O 12/01/32 0 8241487 E11/G02 F 160,000.00 ZZ 360 159,855.36 1 6.500 1,011.31 80 6.250 1,011.31 MPLS MN 55414 1 11/20/02 00 0435126388 05 01/01/03 0 1 N 12/01/32 0 8241497 R84/G02 F 102,000.00 ZZ 360 101,907.79 1 6.500 644.71 80 6.250 644.71 SHELTON WA 98584 5 11/07/02 00 0435054333 05 01/01/03 0 WA100952 O 12/01/32 0 8241509 L76/G02 F 169,600.00 ZZ 360 169,431.16 1 6.000 1,016.84 80 5.750 1,016.84 MAPLE GROVE MN 55369 1 11/22/02 00 0435075114 05 01/01/03 0 9507087 O 12/01/32 0 8241533 L76/G02 F 90,000.00 ZZ 360 90,000.00 1 6.750 583.74 90 6.500 583.74 OWATONNA MN 55060 5 11/26/02 11 0435065479 05 02/01/03 30 1 9507343 O 01/01/33 0 8241615 W02/G02 F 121,000.00 ZZ 360 120,796.10 1 6.875 794.89 82 6.625 794.89 JACKSONVILLE FL 32225 5 10/24/02 12 0435186119 05 12/01/02 12 1001711587 O 11/01/32 0 8241787 M27/G02 F 246,000.00 ZZ 360 245,755.11 1 6.000 1,474.89 44 5.750 1,474.89 WAKE FOREST NC 27587 2 11/20/02 00 0435065511 05 01/01/03 0 0100020117 O 12/01/32 0 8241841 N74/G02 F 132,100.00 ZZ 360 131,989.02 1 6.875 867.80 95 6.625 867.80 CABOT AR 72032 2 11/21/02 10 0435090774 05 01/01/03 30 00311770 O 12/01/32 0 8241933 W02/G02 F 76,000.00 ZZ 360 75,865.51 1 6.625 486.64 77 6.375 486.64 OSTEEN FL 32764 5 10/25/02 00 0435186135 05 12/01/02 0 1001618941 O 11/01/32 0 8241985 N74/G02 F 130,000.00 ZZ 360 129,873.65 1 6.125 789.89 77 5.875 789.89 NORTH WILKESBOR NC 28659 1 11/25/02 00 0435090642 05 01/01/03 0 0031208010 O 12/01/32 0 1 8241987 S43/G02 F 608,000.00 ZZ 360 607,423.11 1 6.250 3,743.56 72 6.000 3,743.56 ALBUQUERQUE NM 87122 2 11/22/02 00 0435063524 05 01/01/03 0 000867 O 12/01/32 0 8242017 758/G02 F 260,000.00 ZZ 360 259,753.31 1 6.250 1,600.86 80 6.000 1,600.86 CONROE TX 77304 5 11/08/02 00 0435133129 05 01/01/03 0 330529 O 12/01/32 0 8242021 313/G02 F 161,600.00 ZZ 360 161,460.87 1 6.750 1,048.13 80 6.500 1,048.13 GILBERT AZ 85297 5 11/21/02 00 0435098710 03 01/01/03 0 0009098898 O 12/01/32 0 8242023 S43/G02 F 100,000.00 ZZ 360 99,907.38 4 6.375 623.87 80 6.125 623.87 ALBUQUERQUE NM 87108 2 11/26/02 00 0435064936 05 01/01/03 0 021501 N 12/01/32 0 8242055 G18/G02 F 505,000.00 ZZ 360 504,532.27 1 6.375 3,150.54 70 6.125 3,150.54 MINNEAPOLIS MN 55409 2 11/20/02 00 0435029434 05 01/01/03 0 002226 O 12/01/32 0 8242057 532/G02 F 91,500.00 ZZ 360 91,415.25 1 6.375 570.84 46 6.125 570.84 1 LAKEHEAD CA 96051 2 11/21/02 00 0435072392 05 01/01/03 0 PF03050 O 12/01/32 0 8242395 N47/G02 F 224,800.00 T 360 224,596.78 1 6.500 1,420.89 80 6.250 1,420.89 BIG BEAR LAKE CA 92315 1 11/22/02 00 0435047113 05 01/01/03 0 30500957 O 12/01/32 0 8243067 E22/G02 F 117,500.00 ZZ 360 117,391.17 1 6.375 733.05 75 6.125 733.05 LEXINGTON KY 40502 1 11/27/02 00 0415539147 09 01/01/03 0 0415539147 O 12/01/32 0 8243093 E22/G02 F 399,950.00 ZZ 360 399,579.56 1 6.375 2,495.17 95 6.125 2,495.17 GOLDEN CO 80403 1 11/27/02 04 0415572205 05 01/01/03 30 0415572205 O 12/01/32 0 8243167 E22/G02 F 67,200.00 ZZ 360 67,200.00 1 7.250 458.42 80 7.000 458.42 CINCINNATI OH 45218 5 11/26/02 00 0415430420 05 02/01/03 0 0415430420 O 01/01/33 0 8243253 E82/G02 F 250,000.00 ZZ 360 250,000.00 1 6.375 1,559.67 72 6.125 1,559.67 TACOMA WA 98467 5 11/27/02 00 0400739496 03 02/01/03 0 0400739496 O 01/01/33 0 1 8243315 E22/G02 F 193,600.00 ZZ 360 193,452.68 1 7.375 1,337.15 80 7.125 1,337.15 PENSACOLA FL 32503 5 11/22/02 00 0415344621 05 01/01/03 0 0415344621 O 12/01/32 0 8243813 E47/G02 F 199,500.00 ZZ 360 199,315.22 1 6.375 1,244.62 70 6.125 1,244.62 CYPRESS CA 90630 1 11/13/02 00 0435171475 01 01/01/03 0 7331014661 O 12/01/32 0 8243855 962/G02 F 160,650.00 ZZ 360 160,527.76 1 7.375 1,109.57 85 7.125 1,109.57 FARGO ND 58103 1 11/27/02 14 0435125372 01 01/01/03 25 2002624 N 12/01/32 0 8244119 962/G02 F 53,910.00 ZZ 360 53,865.81 2 7.000 358.66 90 6.750 358.66 FARGO ND 58102 1 11/29/02 14 0435054168 05 01/01/03 25 2002N625 N 12/01/32 0 8244515 A52/G02 F 116,800.00 ZZ 360 116,704.26 1 7.000 777.07 80 6.750 777.07 LAWRENCEVILLE GA 30043 5 11/22/02 00 0435109228 05 01/01/03 0 22244 O 12/01/32 0 8244565 E82/G02 F 100,500.00 ZZ 360 100,413.47 1 1 6.750 651.84 31 6.500 651.84 GOSHEN CT 06756 2 11/22/02 00 0400729976 05 01/01/03 0 4993401 O 12/01/32 0 8244705 588/G02 F 367,000.00 ZZ 360 366,046.71 1 6.750 2,380.36 74 6.500 2,380.36 SOUTH ORANGE TO NJ 07079 1 09/17/02 00 0435172903 05 11/01/02 0 00010697810 O 10/01/32 0 8245461 144/144 F 56,000.00 ZZ 240 55,764.08 1 6.250 409.32 28 6.000 409.32 MT. TREMPER NY 12457 2 11/01/02 00 160702829 05 12/01/02 0 160702829 O 11/01/22 0 8246367 W68/G02 F 65,000.00 ZZ 360 64,944.04 1 6.750 421.59 77 6.500 421.59 LA MARQUE TX 77568 5 11/13/02 00 0435119367 05 01/01/03 0 32841 O 12/01/32 0 8246749 E47/G02 F 580,000.00 ZZ 360 579,475.68 1 6.500 3,665.99 80 6.250 3,665.99 RIVERSIDE CA 92506 1 11/11/02 00 0435130844 05 01/01/03 0 7331014597 O 12/01/32 0 8246751 E47/G02 F 210,000.00 ZZ 360 209,805.50 1 6.375 1,310.13 77 6.125 1,310.13 NEVADA CITY CA 95959 5 10/30/02 00 0435088240 05 01/01/03 0 1 7359512027 O 12/01/32 0 8246811 E11/G02 F 230,000.00 T 360 229,786.98 1 6.375 1,434.90 63 6.125 1,434.90 FIFTY LAKES MN 56448 2 11/25/02 00 0435069661 05 01/01/03 0 0010001049800 O 12/01/32 0 8246857 U28/G02 F 287,200.00 ZZ 360 286,958.72 1 6.875 1,886.70 80 6.625 1,886.70 FLOWERY BRANCH GA 30542 5 11/21/02 00 0435040365 05 01/01/03 0 2000006911 O 12/01/32 0 8246873 S43/G02 F 114,000.00 ZZ 360 113,899.42 1 6.625 729.95 78 6.375 729.95 ALBUQUERQUE NM 87111 2 11/27/02 00 0435068218 05 01/01/03 0 021844 N 12/01/32 0 8246915 G27/G02 F 70,400.00 ZZ 360 70,339.39 1 6.750 456.61 80 6.500 456.61 AURORA MO 65605 1 11/22/02 00 0435070172 05 01/01/03 0 23702225 O 12/01/32 0 8248895 F89/G02 F 360,000.00 ZZ 360 359,674.56 1 6.500 2,275.44 80 6.250 2,275.44 COSTA MESA CA 92626 5 11/20/02 00 0435065826 05 01/01/03 0 24787 O 12/01/32 0 1 8249141 E47/G02 F 600,000.00 ZZ 360 599,373.56 1 5.750 3,501.44 70 5.500 3,501.44 POTOMAC MD 20854 5 11/21/02 00 0435060017 05 01/01/03 0 7338510933 O 12/01/32 0 8249251 E22/G02 F 212,000.00 ZZ 360 211,817.47 1 6.750 1,375.03 78 6.500 1,375.03 ROCKAWAY TOWNSH NJ 07866 5 11/25/02 00 0415431444 05 01/01/03 0 0415431444 O 12/01/32 0 8249257 E22/G02 F 107,200.00 ZZ 360 107,200.00 1 6.375 668.79 80 6.125 668.79 COLORADO SPRING CO 80910 5 11/25/02 00 0415434620 05 02/01/03 0 0415434620 O 01/01/33 0 8249361 E22/G02 F 90,400.00 ZZ 240 90,212.89 1 6.375 667.36 80 6.125 667.36 NEW CASTLE IN 47362 5 11/25/02 00 0415488865 05 01/01/03 0 0415488865 O 12/01/22 0 8249371 967/G02 F 124,000.00 ZZ 360 123,893.24 1 6.750 804.26 80 6.500 804.26 ORTING WA 98360 1 11/19/02 00 0435070065 09 01/01/03 0 8861387 O 12/01/32 0 8249459 E22/G02 F 280,000.00 ZZ 360 280,000.00 1 6.250 1,724.01 80 6.000 1,724.01 1 SANDY OR 97055 5 11/25/02 00 0415300714 05 02/01/03 0 0415300714 O 01/01/33 0 8249497 E22/G02 F 115,000.00 ZZ 360 114,900.99 1 6.750 745.89 64 6.500 745.89 SOUTH PORTLAND ME 04106 5 11/26/02 00 0415371525 05 01/01/03 0 0415371525 O 12/01/32 0 8249519 W39/G02 F 152,000.00 ZZ 360 151,887.19 2 7.500 1,062.81 80 7.250 1,062.81 CAPE CORAL FL 33914 1 11/27/02 00 0435068655 05 01/01/03 0 024714 N 12/01/32 0 8249549 E22/G02 F 595,000.00 ZZ 360 594,435.44 1 6.250 3,663.52 62 6.000 3,663.52 ANNAPOLIS MD 21403 5 11/25/02 00 0414944124 03 01/01/03 0 0414944124 O 12/01/32 0 8249669 E22/G02 F 315,000.00 ZZ 360 314,708.25 1 6.375 1,965.19 56 6.125 1,965.19 NEW YORK NY 10019 5 11/26/02 00 0415281815 06 01/01/03 0 0415281815 O 12/01/32 0 8249745 X44/G02 F 273,000.00 ZZ 360 272,759.14 2 6.625 1,748.05 75 6.375 1,748.05 BAYONNE NJ 07002 2 11/23/02 00 0435067863 05 01/01/03 0 10159565 O 12/01/32 0 1 8250159 N74/G02 F 116,000.00 ZZ 360 115,895.13 1 6.500 733.20 69 6.250 733.20 MOUNT PLEASANT SC 29464 5 11/26/02 00 0435062484 03 01/01/03 0 0031193010 N 12/01/32 0 8250223 253/253 F 425,500.00 ZZ 360 425,133.65 1 6.750 2,759.79 61 6.500 2,759.79 AUSTIN TX 78746 2 11/25/02 00 438127 05 01/01/03 0 438127 N 12/01/32 0 8250229 975/G02 F 248,000.00 ZZ 360 247,764.69 1 6.250 1,526.98 80 6.000 1,526.98 LOS ANGELES CA 91354 5 11/08/02 00 0435115076 03 01/01/03 0 2024831 O 12/01/32 0 8250233 W68/G02 F 136,000.00 ZZ 360 135,874.04 1 6.375 848.46 80 6.125 848.46 PLANO TX 75025 5 11/14/02 00 0435109483 05 01/01/03 0 32337 O 12/01/32 0 8250269 L20/G02 F 164,000.00 ZZ 360 163,844.39 1 6.250 1,009.78 80 6.000 1,009.78 RENO NV 89506 5 11/18/02 00 0435105309 05 01/01/03 0 1141090014 O 12/01/32 0 8250379 X13/G02 F 285,200.00 ZZ 360 284,948.37 1 1 6.625 1,826.17 80 6.375 1,826.17 CHULA VISTA CA 91913 5 11/23/02 00 0435068135 05 01/01/03 0 0647857 O 12/01/32 0 8250577 N47/G02 F 196,000.00 ZZ 360 195,831.25 1 6.750 1,271.25 80 6.500 1,271.25 SAN DIEGO CA 92114 5 11/15/02 00 0435110671 05 01/01/03 0 30122848 O 12/01/32 0 8250613 N47/G02 F 517,000.00 ZZ 360 516,521.15 1 6.375 3,225.41 58 6.125 3,225.41 BRENTWOOD CA 94513 2 11/06/02 00 0435091046 05 01/01/03 0 20620174 O 12/01/32 0 8250639 U35/G02 F 133,000.00 ZZ 360 132,903.73 1 7.625 941.37 95 7.375 941.37 FRESNO CA 93726 1 11/25/02 01 0435066279 05 01/01/03 30 0010206959 O 12/01/32 0 8250773 N47/G02 F 339,000.00 ZZ 360 338,678.34 1 6.250 2,087.28 79 6.000 2,087.28 LAGUNA NIGUEL CA 92677 2 11/25/02 00 0435088786 03 01/01/03 0 30500718 O 12/01/32 0 8250789 N47/G02 F 75,000.00 ZZ 360 74,930.54 1 6.375 467.90 24 6.125 467.90 HAYWARD CA 94545 5 11/13/02 00 0435088729 05 01/01/03 0 1 20500642 O 12/01/32 0 8250991 G34/G02 F 378,000.00 ZZ 360 377,658.28 1 6.500 2,389.22 61 6.250 2,389.22 OAKLAND CA 94619 5 11/20/02 00 0435107776 05 01/01/03 0 48201126 O 12/01/32 0 8251055 E47/G02 F 86,400.00 ZZ 360 86,318.02 1 6.250 531.98 80 6.000 531.98 MECHANICSVILLE MD 20659 1 11/25/02 00 0435065339 05 01/01/03 0 7342510307 O 12/01/32 0 8251097 E82/G02 F 105,600.00 ZZ 360 105,600.00 1 7.125 711.45 80 6.875 711.45 ORLANDO FL 32822 2 11/27/02 00 0400732574 05 02/01/03 0 2830972 O 01/01/33 0 8251117 E82/G02 F 95,700.00 ZZ 360 95,700.00 1 6.250 589.24 48 6.000 589.24 BROWNSTOWN TOWN MI 48173 2 11/27/02 00 0400742425 05 02/01/03 0 1722633 O 01/01/33 0 8251141 E47/G02 F 238,400.00 ZZ 360 238,189.67 1 6.625 1,526.50 80 6.375 1,526.50 MOUNT AIRY MD 20864 1 11/22/02 00 0435130877 05 01/01/03 0 7338511009 O 12/01/32 0 1 8251193 Q30/G02 F 452,000.00 ZZ 360 451,591.38 1 6.500 2,856.95 78 6.250 2,856.95 SANDY HOOK CT 06482 1 11/13/02 00 0435113857 05 01/01/03 0 21017072 O 12/01/32 0 8251609 L86/G02 F 650,000.00 ZZ 360 649,426.52 3 6.625 4,162.02 47 6.375 4,162.02 SAN FRANCISCO CA 94121 5 11/21/02 00 0435131669 07 01/01/03 0 14500089 O 12/01/32 0 8251641 R84/G02 F 250,000.00 ZZ 360 249,762.79 1 6.250 1,539.29 80 6.000 1,539.29 CANOGA PARK CA 91304 5 11/14/02 00 0435069570 05 01/01/03 0 4931 O 12/01/32 0 8251735 U35/G02 F 109,800.00 ZZ 360 109,800.00 1 6.875 721.31 90 6.625 721.31 OSHKOSH WI 54901 5 11/29/02 01 0435057401 05 02/01/03 25 0010238535 O 01/01/33 0 8251787 E47/G02 F 347,000.00 ZZ 240 346,292.44 1 6.500 2,587.14 79 6.250 2,587.14 NEWARK CA 94560 2 11/05/02 00 0435087861 05 01/01/03 0 11502 O 12/01/22 0 8252733 L76/G02 F 119,700.00 ZZ 360 119,700.00 1 6.750 776.37 90 6.500 776.37 1 FARIBAULT MN 55021 5 11/26/02 11 0435088281 05 02/01/03 30 9507339 O 01/01/33 0 8253719 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.625 1,280.62 38 6.375 1,280.62 STOCKTON NJ 08559 5 11/27/02 00 0415156181 05 02/01/03 0 0415156181 O 01/01/33 0 8253753 E22/G02 F 144,000.00 ZZ 360 144,000.00 1 6.625 922.05 90 6.375 922.05 MOUNTLAKE TERRA WA 98043 1 11/27/02 10 0415275155 05 02/01/03 25 0415275155 N 01/01/33 0 8253799 E22/G02 F 244,000.00 ZZ 360 243,789.92 1 6.750 1,582.58 88 6.500 1,582.58 BROOKLYN NY 11236 5 11/27/02 01 0415353176 07 01/01/03 25 0415353176 O 12/01/32 0 8253859 E22/G02 F 98,000.00 ZZ 240 97,794.11 1 6.250 716.31 80 6.000 716.31 HATTIESBURG MS 39402 1 12/03/02 00 0415410794 05 01/01/03 0 0415410794 O 12/01/22 0 8253869 E22/G02 F 300,000.00 ZZ 360 300,000.00 1 6.375 1,871.61 63 6.125 1,871.61 SOUTH SAN FRANC CA 94080 5 11/26/02 00 0415416502 05 02/01/03 0 0415416502 O 01/01/33 0 1 8253919 E22/G02 F 128,610.00 ZZ 360 128,610.00 1 7.250 877.35 90 7.000 877.35 WEST PALM BEACH FL 33411 1 12/03/02 10 0415456557 05 02/01/03 25 0415456557 O 01/01/33 0 8253957 E22/G02 F 175,500.00 ZZ 360 175,341.35 1 6.500 1,109.28 90 6.250 1,109.28 BRIGHTON CO 80601 5 11/27/02 01 0415493741 05 01/01/03 25 0415493741 O 12/01/32 0 8254011 E22/G02 F 94,950.00 ZZ 360 94,874.07 1 7.125 639.70 90 6.875 639.70 GREENACRES, FL 33463 1 12/03/02 11 0415571702 09 01/01/03 25 0415571702 O 12/01/32 0 8254019 E22/G02 F 280,800.00 ZZ 360 280,800.00 1 6.750 1,821.26 75 6.500 1,821.26 AUSTIN TX 78734 1 12/03/02 00 0415587104 05 02/01/03 0 0415587104 N 01/01/33 0 8254023 E22/G02 F 136,000.00 ZZ 360 135,882.91 1 6.750 882.09 85 6.500 882.09 CHICAGO IL 60632 5 11/27/02 04 0415604016 05 01/01/03 12 0415604016 O 12/01/32 0 8254149 P67/G02 F 150,500.00 ZZ 360 150,373.56 1 1 6.875 988.68 74 6.625 988.68 LOWELL MA 01852 2 11/29/02 00 0435093117 05 01/01/03 0 020211 O 12/01/32 0 8254377 N47/G02 F 275,000.00 ZZ 360 274,732.72 1 6.125 1,670.93 30 5.875 1,670.93 PALO ALTO CA 94306 2 11/07/02 00 0435091343 05 01/01/03 0 20500965 O 12/01/32 0 8254491 N47/G02 F 435,000.00 ZZ 360 434,597.11 1 6.375 2,713.83 58 6.125 2,713.83 HOLLISTER CA 95023 2 11/21/02 00 0435091954 05 01/01/03 0 20501008 O 12/01/32 0 8254537 Q73/G02 F 438,400.00 ZZ 360 438,003.68 1 6.500 2,770.99 80 6.250 2,770.99 BILOXI MS 39532 2 11/22/02 00 0435086954 05 01/01/03 0 2995304 O 12/01/32 0 8254991 196/G02 F 500,000.00 T 360 499,525.58 1 6.250 3,078.59 67 6.000 3,078.59 ONCHIOTA NY 12989 5 11/29/02 00 0435040225 05 01/01/03 0 1313846 O 12/01/32 0 8255065 196/G02 F 340,000.00 ZZ 360 339,685.09 1 6.375 2,121.16 80 6.125 2,121.16 WEST ROXBURY MA 02132 5 11/06/02 00 0435033295 05 01/01/03 0 1 1330403 O 12/01/32 0 8255071 196/G02 F 200,000.00 ZZ 360 199,810.23 1 6.250 1,231.44 50 6.000 1,231.44 WAKEFIELD MA 01880 5 11/07/02 00 0435040704 05 01/01/03 0 1331200 O 12/01/32 0 8255119 196/G02 F 428,000.00 T 360 427,603.58 1 6.375 2,670.17 80 6.125 2,670.17 GREENSBORO GA 30642 1 11/15/02 00 0435040878 05 01/01/03 0 1332776 O 12/01/32 0 8255133 196/G02 F 399,850.00 ZZ 360 399,488.52 1 6.500 2,527.33 80 6.250 2,527.33 MIDLOTHIAN VA 23113 1 11/07/02 00 0435041421 03 01/01/03 0 1503819 O 12/01/32 0 8255153 196/G02 F 393,000.00 ZZ 360 392,270.07 1 6.375 2,451.81 79 6.125 2,451.81 DAYTON MD 21036 5 10/30/02 00 0435023064 05 12/01/02 0 1574332 O 11/01/32 0 8255177 196/G02 F 425,000.00 ZZ 360 424,210.63 1 6.375 2,651.45 78 6.125 2,651.45 PLEASANTON CA 94566 5 10/29/02 00 0435041975 05 12/01/02 0 1578264 O 11/01/32 0 1 8255239 196/G02 F 525,000.00 ZZ 360 524,464.73 1 5.875 3,105.58 75 5.625 3,105.58 LEXINGTON MA 02420 5 11/13/02 00 0435040464 05 01/01/03 0 1583391 O 12/01/32 0 8255261 196/G02 F 404,000.00 ZZ 360 403,625.81 1 6.375 2,520.44 79 6.125 2,520.44 ASHLAND MA 01721 5 11/18/02 00 0435040282 05 01/01/03 0 1584011 O 12/01/32 0 8255269 196/G02 F 424,000.00 ZZ 360 423,616.70 1 6.500 2,679.97 80 6.250 2,679.97 CARLSBAD CA 92009 5 11/12/02 00 0435051156 01 01/01/03 0 1584257 O 12/01/32 0 8255331 196/G02 F 360,000.00 ZZ 360 359,650.10 1 6.125 2,187.40 66 5.875 2,187.40 SAN JOSE CA 95123 5 11/04/02 00 0435040407 05 01/01/03 0 1585130 O 12/01/32 0 8255335 196/G02 F 335,250.00 ZZ 360 334,924.15 1 6.125 2,037.02 79 5.875 2,037.02 CLINTON OH 44216 5 11/06/02 00 0435040142 05 01/01/03 0 1585633 O 12/01/32 0 8255343 K15/G02 F 129,700.00 ZZ 360 129,570.88 2 6.000 777.62 65 5.750 777.62 1 MINNEAPOLIS MN 55413 2 11/22/02 00 0435065289 05 01/01/03 0 013205504815 O 12/01/32 0 8255349 196/G02 F 510,000.00 ZZ 360 509,527.64 1 6.375 3,181.74 75 6.125 3,181.74 LA CANADA-FLINT CA 91011 5 11/05/02 00 0435040076 05 01/01/03 0 1587001 O 12/01/32 0 8255369 196/G02 F 408,000.00 ZZ 360 407,622.11 1 6.375 2,545.39 80 6.125 2,545.39 IRVINE CA 92604 1 11/15/02 00 0435110846 03 01/01/03 0 1591386 O 12/01/32 0 8255379 196/G02 F 412,000.00 ZZ 360 411,609.07 1 6.250 2,536.76 80 6.000 2,536.76 LA CANADA FLINT CA 91011 1 11/20/02 00 0435100904 05 01/01/03 0 1594255 O 12/01/32 0 8255385 K15/G02 F 219,000.00 ZZ 360 218,816.02 1 6.875 1,438.67 85 6.625 1,438.67 CORONA CA 92879 5 11/19/02 41 0435065313 05 01/01/03 12 025005300340 O 12/01/32 0 8255389 K15/G02 F 206,000.00 ZZ 360 205,813.77 1 6.500 1,302.06 68 6.250 1,302.06 LITTLETON CO 80129 5 11/25/02 00 0435098207 05 01/01/03 0 021805504392 O 12/01/32 0 1 8255735 K15/G02 F 119,300.00 ZZ 360 119,194.75 1 6.625 763.89 69 6.375 763.89 BRADFORD NY 14879 5 11/25/02 00 0435069752 05 01/01/03 0 029505506337 O 12/01/32 0 8255781 U19/G02 F 368,000.00 ZZ 360 367,316.51 1 6.375 2,295.84 80 6.125 2,295.84 BROOMFIELD CO 80020 5 10/15/02 00 0435146584 03 12/01/02 0 80804933 O 11/01/32 0 8256181 K15/G02 F 128,200.00 ZZ 360 128,081.26 1 6.375 799.80 79 6.125 799.80 COVENTRY RI 02816 2 11/25/02 00 0435191234 05 01/01/03 0 029705504529 O 12/01/32 0 8256317 E47/G02 F 68,000.00 ZZ 360 67,938.52 1 6.500 429.81 80 6.250 429.81 SAN ANTONIO TX 78247 5 11/20/02 00 0435119045 05 01/01/03 0 7362511587 N 12/01/32 0 8256683 E22/G02 F 205,000.00 ZZ 360 205,000.00 1 6.250 1,262.22 75 6.000 1,262.22 DURANGO CO 81301 5 11/29/02 00 0415366111 05 02/01/03 0 0415366111 O 01/01/33 0 8256735 E22/G02 F 270,000.00 ZZ 360 269,755.92 1 1 6.500 1,706.58 74 6.250 1,706.58 HOMESTEAD FL 33031 5 11/29/02 00 0415436831 05 01/01/03 0 0415436831 O 12/01/32 0 8256743 E22/G02 F 312,000.00 ZZ 360 312,000.00 1 6.250 1,921.04 80 6.000 1,921.04 HOUSTON TX 77098 1 12/04/02 00 0415442227 05 02/01/03 0 0415442227 O 01/01/33 0 8256745 E22/G02 F 276,000.00 ZZ 360 276,000.00 1 6.250 1,699.38 80 6.000 1,699.38 PALO CEDRO CA 96073 5 11/26/02 00 0415442326 05 02/01/03 0 0415442326 O 01/01/33 0 8256767 E22/G02 F 140,000.00 ZZ 360 140,000.00 1 6.375 873.42 80 6.125 873.42 COLORADO SPRING CO 80920 1 12/04/02 00 0415487305 05 02/01/03 0 0415487305 N 01/01/33 0 8256781 E22/G02 F 85,000.00 ZZ 360 85,000.00 1 6.750 551.31 40 6.500 551.31 ST CHARLES MO 63303 1 12/04/02 00 0415512326 05 02/01/03 0 0415512326 O 01/01/33 0 8256975 P44/G02 F 85,000.00 ZZ 360 84,926.82 1 6.750 551.31 41 6.500 551.31 NAPLES FL 34112 5 11/19/02 00 0435074299 03 01/01/03 0 1 28076370473 O 12/01/32 0 8256987 E57/G02 F 59,950.00 ZZ 360 59,894.47 1 6.375 374.01 80 6.125 374.01 FRESNO CA 93701 1 11/19/02 00 0435174669 05 01/01/03 0 13004135 N 12/01/32 0 8257015 P44/G02 F 187,200.00 ZZ 360 187,046.55 1 7.000 1,245.45 80 6.750 1,245.45 LOUDON NH 03307 2 11/22/02 00 0435071808 05 01/01/03 0 003505034 O 12/01/32 0 8257085 W39/G02 F 90,000.00 T 360 89,916.65 1 6.375 561.48 80 6.125 561.48 LAFAYETTE LA 70506 1 11/26/02 00 0435063144 05 01/01/03 0 LA024752 O 12/01/32 0 8257331 737/G02 F 90,000.00 ZZ 360 89,931.51 3 7.375 621.61 90 7.125 621.61 PHOENIX AZ 85040 2 11/06/02 12 0435139274 05 01/01/03 25 2072665 N 12/01/32 0 8257361 R84/G02 F 241,500.00 ZZ 360 241,276.32 1 6.375 1,506.65 70 6.125 1,506.65 OLYMPIA WA 98513 5 11/12/02 00 0435069778 05 01/01/03 0 WA102303 N 12/01/32 0 1 8257375 B57/G02 F 435,000.00 ZZ 360 434,587.25 1 6.250 2,678.37 67 6.000 2,678.37 THOUSAND OAKS CA 91320 5 11/14/02 00 0435138359 05 01/01/03 0 75000091 O 12/01/32 0 8257427 Q31/G02 F 212,500.00 ZZ 360 212,500.00 1 6.375 1,325.73 85 6.125 1,325.73 DENVER CO 80226 2 11/27/02 10 0435068978 05 02/01/03 12 SD878310 O 01/01/33 0 8257455 758/G02 F 163,950.00 ZZ 360 163,801.78 1 6.500 1,036.28 80 6.250 1,036.28 GALVESTON TX 77554 1 11/26/02 00 0435132063 05 01/01/03 0 102042 O 12/01/32 0 8257477 X67/G02 F 492,500.00 ZZ 360 492,054.77 1 6.500 3,112.94 76 6.250 3,112.94 SANTA ANA CA 92705 5 11/01/02 00 0435066782 05 01/01/03 0 00270425 O 12/01/32 0 8257493 W39/G02 F 84,000.00 ZZ 360 83,937.65 1 7.500 587.35 80 7.250 587.35 MERTZON TX 76941 1 11/26/02 00 0435070016 05 01/01/03 0 PNI23442 N 12/01/32 0 8257495 408/G02 F 78,320.00 ZZ 360 78,184.74 1 6.750 507.99 80 6.500 507.99 1 CHICKASHA OK 73018 1 10/29/02 00 0435066758 05 12/01/02 0 703030771 O 11/01/32 0 8257531 408/G02 F 127,125.00 ZZ 360 127,015.55 1 6.750 824.53 75 6.500 824.53 OVERLAND PARK KS 66207 1 11/15/02 00 0435067392 05 01/01/03 0 703030825 N 12/01/32 0 8257537 883/G02 F 69,000.00 ZZ 360 68,951.30 1 7.750 494.32 75 7.500 494.32 MARIETTA GA 30060 5 11/26/02 00 0435083076 05 01/01/03 0 05019133 N 12/01/32 0 8257571 313/G02 F 207,000.00 ZZ 360 206,817.36 1 6.625 1,325.45 90 6.375 1,325.45 DAWSONVILLE GA 30534 2 11/15/02 12 0435093083 05 01/01/03 30 0008852725 O 12/01/32 0 8257575 883/G02 F 68,800.00 ZZ 360 68,751.44 1 7.750 492.89 80 7.500 492.89 ACWORTH GA 30101 5 11/26/02 00 0435082664 07 01/01/03 0 05019134 N 12/01/32 0 8257615 K31/G02 F 118,350.00 ZZ 360 118,245.58 1 6.625 757.81 75 6.375 757.81 LAWRENCEVILLE GA 30043 1 11/25/02 00 0435091855 05 01/01/03 0 944437 O 12/01/32 0 1 8257691 E47/G02 F 181,250.00 ZZ 360 181,082.13 1 6.375 1,130.76 62 6.125 1,130.76 LA PLATA MD 20646 2 11/19/02 00 0435072756 05 01/01/03 0 7342510362 O 12/01/32 0 8257695 N34/G02 F 134,100.00 ZZ 360 134,100.00 2 7.750 960.71 90 7.500 960.71 CHICAGO IL 60619 1 12/03/02 10 0435087143 05 02/01/03 25 7526310 N 01/01/33 0 8258061 R84/G02 F 241,500.00 ZZ 360 241,276.32 4 6.375 1,506.65 70 6.125 1,506.65 OLYMPIA WA 98513 5 11/12/02 00 0435117361 05 01/01/03 0 WA102296 N 12/01/32 0 8258131 E47/G02 F 119,200.00 ZZ 360 119,086.89 1 6.250 733.94 80 6.000 733.94 SAN ANTONIO TX 78249 5 11/18/02 00 0435109517 03 01/01/03 0 7362511526 O 12/01/32 0 8258137 E47/G02 F 230,000.00 ZZ 360 229,801.97 1 6.750 1,491.78 62 6.500 1,491.78 POLLOCK PINES CA 95726 5 11/08/02 00 0435063417 05 01/01/03 0 7359520988 O 12/01/32 0 8258443 U05/G02 F 280,000.00 ZZ 360 279,734.32 1 1 6.250 1,724.01 59 6.000 1,724.01 SAN MATEO CA 94401 2 11/05/02 00 0435068622 05 01/01/03 0 3278937 O 12/01/32 0 8258455 A50/G02 F 181,800.00 ZZ 360 181,627.50 1 6.250 1,119.37 90 6.000 1,119.37 CALHOUN GA 30701 5 11/06/02 01 0435023510 05 01/01/03 25 925789 O 12/01/32 0 8259353 737/G02 F 90,000.00 ZZ 360 89,931.51 3 7.375 621.61 90 7.125 621.61 PHOENIX AZ 85040 2 11/11/02 01 0435139183 05 01/01/03 25 2072660 N 12/01/32 0 8259383 E47/G02 F 412,000.00 ZZ 360 411,627.55 1 6.500 2,604.12 80 6.250 2,604.12 HAYWARD CA 94541 5 11/13/02 00 0435115985 05 01/01/03 0 7359512456 O 12/01/32 0 8262301 E82/G02 F 154,000.00 ZZ 360 154,000.00 1 6.875 1,011.67 84 6.625 1,011.67 LUTZ FL 33549 5 12/03/02 10 0400733879 05 02/01/03 12 0400733879 O 01/01/33 0 8262303 E82/G02 F 175,000.00 ZZ 360 175,000.00 1 7.625 1,238.64 90 7.375 1,238.64 EDMOND OK 73003 5 12/04/02 10 0400733283 05 02/01/03 25 1 0400733283 O 01/01/33 0 8262311 E82/G02 F 115,000.00 ZZ 360 115,000.00 1 6.375 717.45 80 6.125 717.45 HOODSPORT WA 98548 2 12/03/02 00 0400726899 05 02/01/03 0 5061896 O 01/01/33 0 8262323 E82/G02 F 226,500.00 ZZ 360 226,500.00 1 6.750 1,469.07 57 6.500 1,469.07 SAN PEDRO CA 90731 2 12/03/02 00 0400727277 01 02/01/03 0 1763860 O 01/01/33 0 8262335 E82/G02 F 111,000.00 ZZ 360 111,000.00 1 6.750 719.94 65 6.500 719.94 SACHSE TX 75048 2 12/04/02 00 0400734851 05 02/01/03 0 4166938 O 01/01/33 0 8262369 E82/G02 F 83,000.00 ZZ 360 83,000.00 1 6.000 497.63 37 5.750 497.63 DENVER CO 80246 2 12/04/02 00 0400738118 05 02/01/03 0 1987747 O 01/01/33 0 8262497 X51/G02 F 640,000.00 ZZ 360 640,000.00 1 6.500 4,045.24 64 6.250 4,045.24 CALABASAS CA 91302 2 11/29/02 00 0435108485 03 02/01/03 0 R2053990 O 01/01/33 0 1 8262499 X51/G02 F 420,000.00 ZZ 360 420,000.00 1 6.250 2,586.01 80 6.000 2,586.01 FAIR OAKS CA 95628 5 11/26/02 00 0435077656 05 02/01/03 0 R2054158 O 01/01/33 0 8262555 U36/G02 F 153,600.00 ZZ 360 153,480.17 1 7.250 1,047.83 80 7.000 1,047.83 HAHIRA GA 31632 2 11/18/02 00 0435126487 05 01/01/03 0 833442002 O 12/01/32 0 8262601 E22/G02 F 160,000.00 ZZ 360 160,000.00 2 6.375 998.19 80 6.125 998.19 FORT LAUDERDALE FL 33304 5 12/05/02 00 0415238989 05 02/01/03 0 0415238989 N 01/01/33 0 8262623 E22/G02 F 135,000.00 ZZ 360 135,000.00 1 6.250 831.22 80 6.000 831.22 EAGLE ID 83616 1 12/04/02 00 0415342898 03 02/01/03 0 0415342898 O 01/01/33 0 8262719 E22/G02 F 241,000.00 ZZ 360 240,782.14 1 6.500 1,523.28 30 6.250 1,523.28 LA MESA CA 91941 5 11/27/02 00 0415512524 05 01/01/03 0 0415512524 O 12/01/32 0 8262759 E22/G02 F 159,300.00 ZZ 360 159,300.00 4 7.250 1,086.71 90 7.000 1,086.71 1 HARVEY LA 70058 1 12/05/02 04 0415585769 05 02/01/03 25 0415585769 N 01/01/33 0 8262787 737/G02 F 90,900.00 ZZ 360 90,835.84 3 7.750 651.22 90 7.500 651.22 PHOENIX AZ 85040 2 11/18/02 12 0435041306 05 01/01/03 25 2072667 N 12/01/32 0 8262855 737/G02 F 380,000.00 ZZ 360 379,630.66 1 6.125 2,308.92 80 5.875 2,308.92 DALLAS TX 75210 1 11/26/02 00 0435060108 05 01/01/03 0 2096948 O 12/01/32 0 8263665 964/G02 F 348,000.00 ZZ 360 347,677.68 1 6.375 2,171.07 54 6.125 2,171.07 SAN FRANCISCO CA 94116 2 11/21/02 00 0435051370 05 01/01/03 0 283549 O 12/01/32 0 8263893 U05/G02 F 151,900.00 ZZ 360 151,769.22 1 6.750 985.22 95 6.500 985.22 MENTONE CA 92359 1 11/18/02 14 0435113758 05 01/01/03 30 3284773 O 12/01/32 0 8264257 Q66/G02 F 93,500.00 ZZ 360 93,500.00 1 7.125 629.93 85 6.875 629.93 OWATONNA MN 55060 2 12/03/02 14 0435109434 05 02/01/03 12 020712 O 01/01/33 0 1 8264293 U05/G02 F 348,000.00 ZZ 360 347,677.68 1 6.375 2,171.07 75 6.125 2,171.07 CHULA VISTA CA 91914 5 11/22/02 00 0435075056 03 01/01/03 0 3279625 O 12/01/32 0 8264341 U05/G02 F 335,200.00 ZZ 360 334,889.54 1 6.375 2,091.21 80 6.125 2,091.21 BURBANK CA 91504 1 11/15/02 00 0435094701 05 01/01/03 0 3279410 O 12/01/32 0 8265295 U28/G02 F 132,000.00 ZZ 360 132,000.00 1 6.375 823.51 74 6.125 823.51 GULF BREEZE FL 32563 5 11/26/02 00 0435115878 03 02/01/03 0 2000007001 O 01/01/33 0 8265345 Q30/G02 F 220,000.00 ZZ 360 219,805.89 1 6.625 1,408.69 80 6.375 1,408.69 MEDFIELD MA 02052 2 11/22/02 00 0435067756 05 01/01/03 0 21015714 O 12/01/32 0 8265661 E47/G02 F 430,000.00 ZZ 360 429,592.00 1 6.250 2,647.58 67 6.000 2,647.58 WOODBINE MD 21797 5 11/20/02 00 0435039821 03 01/01/03 0 7338510977 O 12/01/32 0 8265697 W08/G02 F 124,200.00 ZZ 360 124,087.72 1 1 6.500 785.03 95 6.250 785.03 APOPKA FL 32703 2 12/03/02 10 0435113592 03 01/01/03 30 022140MG O 12/01/32 0 8266091 P09/G02 F 103,000.00 ZZ 360 102,895.29 1 5.890 610.27 74 5.640 610.27 NEWARK DE 19702 5 11/25/02 00 0435117148 09 01/01/03 0 R0210233 O 12/01/32 0 8266149 144/144 F 64,500.00 ZZ 360 64,416.72 1 6.375 402.40 72 6.125 402.40 SAUGERTIES NY 12477 5 11/06/02 00 CLAYTON 05 01/01/03 0 CLAYTON O 12/01/32 0 8266235 940/G02 F 412,000.00 ZZ 360 411,618.41 1 6.375 2,570.34 80 6.125 2,570.34 LA HABRA CA 90631 5 11/21/02 00 0435113642 03 01/01/03 0 23020614 O 12/01/32 0 8266531 E82/G02 F 244,250.00 ZZ 360 244,250.00 1 6.375 1,523.80 54 6.125 1,523.80 GILBERTSVILLE PA 19525 2 12/05/02 00 0400725404 05 02/01/03 0 1815382 O 01/01/33 0 8266545 E82/G02 F 105,000.00 ZZ 360 105,000.00 1 6.875 689.78 72 6.625 689.78 ANACORTES WA 98221 2 12/05/02 00 0400723565 05 02/01/03 0 1 3764616 N 01/01/33 0 8266565 E82/G02 F 120,500.00 ZZ 360 120,500.00 1 6.375 751.76 42 6.125 751.76 MASSAPEQUA PARK NY 11762 2 12/05/02 00 0400726410 05 02/01/03 0 1491125 O 01/01/33 0 8266587 E82/G02 F 68,600.00 ZZ 360 68,600.00 1 6.375 427.97 77 6.125 427.97 GANSEVOORT NY 12831 2 12/05/02 00 0400714655 05 02/01/03 0 4546976 O 01/01/33 0 8266637 E22/G02 F 188,000.00 ZZ 360 188,000.00 1 6.625 1,203.78 100 6.375 1,203.78 PLEASANT GROVE UT 84062 2 12/02/02 10 0415212083 05 02/01/03 35 0415212083 O 01/01/33 0 8266659 E22/G02 F 84,435.00 ZZ 360 84,358.67 1 6.500 533.69 65 6.250 533.69 BRANSON MO 65616 2 12/06/02 00 0415275114 07 01/01/03 0 0415275114 N 12/01/32 0 8266689 E22/G02 F 340,000.00 ZZ 360 339,734.77 1 7.250 2,319.40 85 7.000 2,319.40 PLYMPTON MA 02367 5 12/02/02 04 0415334929 05 01/01/03 12 0415334929 O 12/01/32 0 1 8266709 E22/G02 F 343,000.00 ZZ 360 343,000.00 1 6.375 2,139.87 80 6.125 2,139.87 HONOLULU HI 96825 1 12/02/02 00 0415388057 05 02/01/03 0 0415388057 O 01/01/33 0 8266713 E22/G02 F 169,480.00 ZZ 360 169,480.00 1 6.375 1,057.33 95 6.125 1,057.33 DES MOINES WA 98198 1 12/04/02 10 0415391200 05 02/01/03 30 0415391200 O 01/01/33 0 8266727 E22/G02 F 60,000.00 ZZ 360 60,000.00 1 6.375 374.32 80 6.125 374.32 GRAND BAY AL 36541 1 12/06/02 00 0415415488 05 02/01/03 0 0415415488 N 01/01/33 0 8266731 E22/G02 F 480,000.00 ZZ 360 480,000.00 1 6.625 3,073.49 80 6.375 3,073.49 COOL CA 95614 5 11/27/02 00 0415423995 03 02/01/03 0 0415423995 O 01/01/33 0 8266747 E22/G02 F 152,000.00 ZZ 360 151,862.59 1 6.500 960.74 80 6.250 960.74 PALM BEACH GARD FL 33410 2 12/02/02 00 0415440320 05 01/01/03 0 0415440320 O 12/01/32 0 8266791 E22/G02 F 157,152.00 ZZ 360 157,152.00 1 6.375 980.42 80 6.125 980.42 1 TULARE CA 93274 1 11/27/02 00 0415482751 05 02/01/03 0 0415482751 O 01/01/33 0 8266795 E22/G02 F 174,700.00 ZZ 360 174,700.00 1 7.125 1,176.99 90 6.875 1,176.99 WOODBRIGE NJ 07095 1 12/06/02 01 0415490028 05 02/01/03 30 0415490028 O 01/01/33 0 8266801 E22/G02 F 180,000.00 ZZ 360 180,000.00 1 6.375 1,122.97 80 6.125 1,122.97 GREELEY CO 80634 2 12/02/02 00 0415502483 05 02/01/03 0 0415502483 O 01/01/33 0 8266807 E22/G02 F 197,600.00 ZZ 360 197,600.00 1 7.250 1,347.98 80 7.000 1,347.98 SAN ANTONIO TX 78209 5 12/02/02 00 0415525237 05 02/01/03 0 0415525237 O 01/01/33 0 8266817 E22/G02 F 212,500.00 ZZ 360 212,298.37 1 6.250 1,308.40 70 6.000 1,308.40 HOUSTON TX 77096 5 11/27/02 00 0415532605 03 01/01/03 0 0415532605 O 12/01/32 0 8266823 E22/G02 F 120,400.00 ZZ 360 120,400.00 1 6.625 770.93 80 6.375 770.93 MORRISVILLE PA 19067 1 12/06/02 00 0415543446 07 02/01/03 0 0415543446 N 01/01/33 0 1 8266827 E22/G02 F 163,350.00 ZZ 360 163,350.00 1 7.500 1,142.17 90 7.250 1,142.17 STERLING HEIGHT MI 48310 1 12/06/02 04 0415546449 05 02/01/03 25 0415546449 O 01/01/33 0 8266833 E22/G02 F 188,900.00 ZZ 360 188,900.00 1 7.000 1,256.76 75 6.750 1,256.76 NORTH RICHLAND TX 76180 2 12/06/02 00 0415564707 03 02/01/03 0 0415564707 N 01/01/33 0 8266837 E22/G02 F 100,800.00 ZZ 360 100,800.00 1 6.500 637.12 80 6.250 637.12 PLANO TX 75074 2 12/06/02 00 0415574003 05 02/01/03 0 0415574003 N 01/01/33 0 8266851 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 6.500 632.07 67 6.250 632.07 ARDMORE OK 73401 1 12/06/02 00 0415598648 05 02/01/03 0 0415598648 O 01/01/33 0 8266939 940/G02 F 68,400.00 ZZ 360 68,346.64 1 7.250 466.61 90 7.000 466.61 ONTARIO CA 91761 1 11/18/02 12 0435112214 01 01/01/03 25 40020917 N 12/01/32 0 8267057 G34/G02 F 84,800.00 ZZ 360 84,728.75 1 1 6.875 557.08 80 6.625 557.08 ARLINGTON TX 76017 5 11/22/02 00 0435116371 05 01/01/03 0 85209469 O 12/01/32 0 8267107 U05/G02 F 355,000.00 ZZ 360 354,671.20 1 6.375 2,214.74 41 6.125 2,214.74 SANTA CRUZ CA 95060 2 11/22/02 00 0435069513 05 01/01/03 0 3275153 O 12/01/32 0 8267275 U36/G02 F 443,000.00 ZZ 360 442,589.70 1 6.375 2,763.74 80 6.125 2,763.74 ROSWELL GA 30076 2 11/26/02 00 0435094602 03 01/01/03 0 836332002 O 12/01/32 0 8267379 M27/G02 F 239,450.00 ZZ 360 239,228.22 1 6.375 1,493.86 77 6.125 1,493.86 NASHVILLE TN 37215 2 11/19/02 00 0435113261 05 01/01/03 0 5000087017 O 12/01/32 0 8267707 477/G02 F 109,650.00 ZZ 360 109,557.88 1 6.875 720.32 80 6.625 720.32 HEMET CA 92545 5 11/21/02 00 0435115555 05 01/01/03 0 247632 O 12/01/32 0 8267737 883/G02 F 649,999.00 ZZ 360 649,396.97 1 6.375 4,055.15 74 6.125 4,055.15 NEW HOPE PA 18938 5 11/22/02 00 0435069117 05 01/01/03 0 1 05019383 O 12/01/32 0 8267753 W98/G02 F 462,400.00 ZZ 360 461,971.73 1 6.375 2,884.77 80 6.125 2,884.77 STAFFORD VA 22556 2 11/26/02 00 0435080585 05 01/01/03 0 L0211002 O 12/01/32 0 8267767 X71/G02 F 640,000.00 ZZ 360 639,474.36 1 6.990 4,253.64 80 6.740 4,253.64 ALAMO CA 94507 5 11/22/02 00 0435112834 05 01/01/03 0 7495515 O 12/01/32 0 8268025 U05/G02 F 76,000.00 ZZ 360 75,932.94 1 6.625 486.64 24 6.375 486.64 AUSTIN TX 78746 5 11/21/02 00 0435062914 05 01/01/03 0 3271647 O 12/01/32 0 8268173 R84/G02 F 178,400.00 ZZ 360 178,230.73 1 6.250 1,098.44 80 6.000 1,098.44 LAS VEGAS NV 89143 5 11/22/02 00 0435088232 03 01/01/03 0 LVW5319 O 12/01/32 0 8268195 X72/G02 F 212,000.00 ZZ 360 211,808.35 1 6.500 1,339.98 80 6.250 1,339.98 WELLINGTON CO 80549 1 12/04/02 00 0435082003 05 01/01/03 0 29070280 O 12/01/32 0 1 8268197 N47/G02 F 274,000.00 ZZ 360 273,746.23 1 6.375 1,709.40 74 6.125 1,709.40 SAN DIEGO CA 92126 1 11/22/02 00 0435110788 03 01/01/03 0 30500719 O 12/01/32 0 8268253 W39/G02 F 56,250.00 ZZ 360 56,210.29 1 7.750 402.99 90 7.500 402.99 EL PASO TX 79904 1 11/18/02 01 0435117346 05 01/01/03 25 PN123467 O 12/01/32 0 8268263 588/G02 F 207,950.00 ZZ 360 207,573.00 1 6.500 1,314.39 80 6.250 1,314.39 MONTGOMERY VILL MD 20886 1 10/18/02 00 0435158076 03 12/01/02 0 1078663 O 11/01/32 0 8268273 U28/G02 F 247,000.00 ZZ 360 246,776.71 1 6.500 1,561.21 54 6.250 1,561.21 DECATUR GA 30030 2 11/20/02 00 0435097514 05 01/01/03 0 STOLTZLE3 O 12/01/32 0 8268291 E47/G02 F 119,200.00 ZZ 360 119,086.90 1 6.250 733.93 80 6.000 733.93 CHARLOTTE NC 28226 1 11/25/02 00 0435090659 05 01/01/03 0 7350510519 O 12/01/32 0 8268345 738/G02 F 218,000.00 ZZ 360 217,802.92 1 6.500 1,377.91 80 6.250 1,377.91 1 POMPANO BEACH FL 33062 1 11/27/02 00 0435120183 05 01/01/03 0 0040769460-0001 O 12/01/32 0 8268367 N74/G02 F 64,505.00 ZZ 360 64,450.81 1 6.875 423.75 95 6.625 423.75 MILLERS CREEK NC 28651 1 11/27/02 10 0435093166 05 01/01/03 30 0031240010 O 12/01/32 0 8268373 967/G02 F 95,000.00 ZZ 360 94,914.12 1 6.500 600.46 76 6.250 600.46 PAYSON AZ 85541 2 11/22/02 00 0435084363 05 01/01/03 0 5845607 O 12/01/32 0 8268375 N74/G02 F 102,000.00 ZZ 360 101,922.38 1 7.375 704.49 95 7.125 704.49 ARCHDALE NC 27263 1 11/27/02 10 0435092622 05 01/01/03 30 0031254010 O 12/01/32 0 8268389 N74/G02 F 84,600.00 ZZ 360 84,477.15 1 7.625 598.79 90 7.375 598.79 SARCOXIE MO 64826 5 11/22/02 10 0435093000 05 12/27/02 25 0031190010 O 11/27/32 0 8268415 M27/G02 F 86,400.00 ZZ 360 86,325.61 1 6.750 560.39 90 6.500 560.39 ASHEBORO NC 27203 1 11/26/02 01 0435093521 05 01/01/03 25 0100000185 O 12/01/32 0 1 8268437 940/G02 F 227,750.00 ZZ 360 227,533.90 1 6.250 1,402.30 63 6.000 1,402.30 LOS ANGELES CA 90041 5 11/19/02 00 0435083720 05 01/01/03 0 40021019 O 12/01/32 0 8268449 975/G02 F 266,000.00 ZZ 360 265,747.61 1 6.250 1,637.81 76 6.000 1,637.81 ANAHEIM CA 92802 2 11/20/02 00 0435113535 05 01/01/03 0 2024982 N 12/01/32 0 8268455 742/G02 F 270,000.00 ZZ 360 269,755.92 1 6.500 1,706.58 74 6.250 1,706.58 CONGERS NY 10920 5 11/12/02 00 0435092630 05 01/01/03 0 5786280 O 12/01/32 0 8268459 975/G02 F 400,000.00 ZZ 360 399,620.46 1 6.250 2,462.87 74 6.000 2,462.87 HACIENDA HEIGHT CA 91745 5 11/05/02 00 0435115050 05 01/01/03 0 2024343 O 12/01/32 0 8268563 X31/G02 F 271,000.00 ZZ 360 270,766.68 1 6.750 1,757.70 80 6.500 1,757.70 TORRANCE AREA CA 90502 1 11/06/02 00 0435133442 05 01/01/03 0 40104910 N 12/01/32 0 8268573 E11/G02 F 189,000.00 ZZ 360 188,820.66 1 1 6.250 1,163.71 79 6.000 1,163.71 MINNEAPOLIS MN 55417 2 11/27/02 00 0435091699 05 01/01/03 0 0010001051047 O 12/01/32 0 8268621 M27/G02 F 166,500.00 ZZ 360 166,353.10 1 6.625 1,066.12 90 6.375 1,066.12 LAWRENCEBURG TN 38464 1 11/26/02 01 0435115852 05 01/01/03 25 5000085054 O 12/01/32 0 8268775 Q14/G02 F 52,000.00 ZZ 240 52,000.00 1 6.375 383.88 73 6.125 383.88 ROCK ISLAND IL 61201 2 12/02/02 00 0435034293 05 02/01/03 0 0000210329 O 01/01/23 0 8268809 X51/G02 F 495,000.00 ZZ 360 494,541.53 1 6.375 3,088.16 74 6.125 3,088.16 SAN JOSE CA 95123 5 11/21/02 00 0435091368 05 01/01/03 0 R2054267 O 12/01/32 0 8268873 W39/G02 F 96,300.00 ZZ 360 96,226.72 4 7.375 665.12 90 7.125 665.12 BATON ROUGE LA 70816 1 11/14/02 01 0435095476 05 01/01/03 25 024424 N 12/01/32 0 8268971 G34/G02 F 144,100.00 ZZ 360 143,969.73 1 6.500 910.81 90 6.250 910.81 LAS VEGAS NV 89141 1 11/13/02 01 0435085998 03 01/01/03 25 1 1113905 N 12/01/32 0 8269175 H58/G02 F 351,000.00 ZZ 360 350,666.95 1 6.250 2,161.17 78 6.000 2,161.17 FOLSOM CA 95630 5 11/21/02 00 0435149737 05 01/01/03 0 123638 O 12/01/32 0 8269291 E82/G02 F 102,800.00 ZZ 360 102,800.00 3 6.875 675.32 74 6.625 675.32 MANCHESTER CT 06040 2 12/10/02 00 0400710927 05 02/01/03 0 2858889 N 01/01/33 0 8269293 E82/G02 F 98,700.00 ZZ 360 98,700.00 2 6.625 631.99 73 6.375 631.99 MANCHESTER CT 06040 2 12/10/02 00 0400710844 05 02/01/03 0 3565353 N 01/01/33 0 8269295 E82/G02 F 193,200.00 ZZ 360 193,200.00 1 6.500 1,221.16 57 6.250 1,221.16 STOW OH 44224 2 12/06/02 00 0400712451 05 02/01/03 0 1743794 O 01/01/33 0 8269299 E82/G02 F 165,000.00 ZZ 360 165,000.00 3 6.625 1,056.51 44 6.375 1,056.51 SAN DIEGO CA 92103 5 12/02/02 00 0400725719 05 02/01/03 0 7414382 O 01/01/33 0 1 8269301 E82/G02 F 79,000.00 ZZ 360 79,000.00 1 6.625 505.85 66 6.375 505.85 TAMPA FL 33624 2 12/06/02 00 0400746525 05 02/01/03 0 3118760 N 01/01/33 0 8269307 E82/G02 F 390,000.00 ZZ 360 390,000.00 1 7.250 2,660.49 80 7.000 2,660.49 HERNDON VA 20170 2 12/06/02 00 0400736062 05 02/01/03 0 4605949 N 01/01/33 0 8269413 E22/G02 F 105,600.00 ZZ 360 105,600.00 1 7.750 756.53 80 7.500 756.53 DAYTON TX 77535 1 12/06/02 00 0415037548 05 02/01/03 0 0415037548 O 01/01/33 0 8269429 E22/G02 F 85,025.00 ZZ 360 85,025.00 1 7.500 594.51 95 7.250 594.51 MESQUITE TX 75149 1 12/09/02 01 0415158161 05 02/01/03 35 0415158161 O 01/01/33 0 8269433 E22/G02 F 269,500.00 ZZ 360 269,500.00 1 6.375 1,681.33 67 6.125 1,681.33 AUBURN CA 95602 5 11/26/02 00 0415185560 03 02/01/03 0 0415185560 O 01/01/33 0 8269441 E22/G02 F 299,000.00 ZZ 360 299,000.00 1 7.125 2,014.42 100 6.875 2,014.42 1 MIAMI FL 33165 2 12/03/02 10 0415208719 05 02/01/03 35 0415208719 O 01/01/33 0 8269445 E22/G02 F 125,400.00 ZZ 360 125,400.00 1 6.750 813.34 68 6.500 813.34 LEAVENWORTH WA 98826 2 12/03/02 00 0415221779 05 02/01/03 0 0415221779 O 01/01/33 0 8269487 E22/G02 F 179,000.00 ZZ 360 179,000.00 1 6.875 1,175.90 71 6.625 1,175.90 CASTLE ROCK CO 80104 5 12/04/02 00 0415315092 03 02/01/03 0 0415315092 O 01/01/33 0 8269495 E22/G02 F 340,000.00 ZZ 360 340,000.00 1 6.250 2,093.44 79 6.000 2,093.44 KENT WA 98031 5 12/02/02 00 0415324375 05 02/01/03 0 0415324375 O 01/01/33 0 8269521 E22/G02 F 85,500.00 ZZ 360 85,500.00 1 6.750 554.55 95 6.500 554.55 ROSEBURG OR 97470 5 12/03/02 10 0415351790 05 02/01/03 30 0415351790 O 01/01/33 0 8269571 E22/G02 F 128,000.00 ZZ 360 128,000.00 1 6.500 809.05 80 6.250 809.05 TOMS RIVER NJ 08753 5 12/03/02 00 0415380898 05 02/01/03 0 0415380898 O 01/01/33 0 1 8269583 E22/G02 F 135,000.00 ZZ 360 135,000.00 1 6.375 842.22 70 6.125 842.22 HOUSTON TX 77096 5 12/03/02 00 0415398353 05 02/01/03 0 0415398353 O 01/01/33 0 8269589 E22/G02 F 427,500.00 ZZ 360 427,500.00 1 6.375 2,667.04 78 6.125 2,667.04 BOTHELL WA 98021 2 12/03/02 00 0415398478 03 02/01/03 0 0415398478 O 01/01/33 0 8269595 E22/G02 F 170,100.00 ZZ 360 170,100.00 1 6.500 1,075.15 90 6.250 1,075.15 RICHMOND VA 23235 5 12/03/02 10 0415399518 05 02/01/03 25 0415399518 O 01/01/33 0 8269599 E22/G02 F 102,000.00 ZZ 360 102,000.00 1 6.750 661.57 66 6.500 661.57 ALBUQUERQUE NM 87110 5 12/03/02 00 0415401264 05 02/01/03 0 0415401264 O 01/01/33 0 8269603 E22/G02 F 105,500.00 ZZ 360 105,500.00 1 6.500 666.83 78 6.250 666.83 SALT LAKE CITY UT 84416 2 12/04/02 00 0415403880 05 02/01/03 0 0415403880 O 01/01/33 0 8269639 E22/G02 F 70,413.00 ZZ 360 70,413.00 1 1 7.250 480.34 80 7.000 480.34 PORT ST LUCIE FL 34984 1 12/09/02 00 0415417526 05 02/01/03 0 0415417526 N 01/01/33 0 8269643 E22/G02 F 140,000.00 ZZ 360 140,000.00 1 6.625 896.44 49 6.375 896.44 ANTIOCH CA 94509 5 11/26/02 00 0415419563 05 02/01/03 0 0415419563 O 01/01/33 0 8269663 E22/G02 F 50,000.00 ZZ 360 50,000.00 1 6.500 316.03 80 6.250 316.03 HOUSTON TX 77057 1 12/09/02 00 0415429752 01 02/01/03 0 0415429752 O 01/01/33 0 8269677 E22/G02 F 265,000.00 ZZ 360 265,000.00 2 6.750 1,718.78 70 6.500 1,718.78 DENVER CO 80203 5 12/04/02 00 0415433051 05 02/01/03 0 0415433051 O 01/01/33 0 8269753 E22/G02 F 293,500.00 ZZ 360 293,500.00 1 6.250 1,807.13 54 6.000 1,807.13 ARLINGTON TX 76013 5 12/03/02 00 0415511807 05 02/01/03 0 0415511807 O 01/01/33 0 8269775 E22/G02 F 372,000.00 ZZ 360 372,000.00 1 6.250 2,290.47 80 6.000 2,290.47 UNION CITY CA 94587 1 12/03/02 00 0415522143 05 02/01/03 0 1 0415522143 O 01/01/33 0 8269785 E22/G02 F 131,000.00 ZZ 360 131,000.00 1 6.125 795.97 73 5.875 795.97 TACOMA WA 98443 5 12/04/02 00 0415559418 05 02/01/03 0 0415559418 O 01/01/33 0 8269789 E22/G02 F 208,000.00 ZZ 360 208,000.00 1 6.500 1,314.70 80 6.250 1,314.70 VALLEJO CA 94589 5 11/26/02 00 0415560317 05 02/01/03 0 0415560317 O 01/01/33 0 8269819 E22/G02 F 152,000.00 ZZ 360 152,000.00 1 6.125 923.57 65 5.875 923.57 COVENTRY RI 02816 5 12/03/02 00 0415548668 05 02/01/03 0 0415548668 O 01/01/33 0 8269831 E22/G02 F 160,000.00 ZZ 360 160,000.00 1 6.125 972.18 72 5.875 972.18 COOPER CITY FL 33330 2 12/04/02 00 0415556190 05 02/01/03 0 0415556190 O 01/01/33 0 8269839 E22/G02 F 95,200.00 ZZ 360 95,200.00 1 6.750 617.47 85 6.500 617.47 CHARLOTTE NC 28215 5 12/04/02 10 0415569524 05 02/01/03 12 0415569524 O 01/01/33 0 1 8269853 E22/G02 F 122,400.00 ZZ 360 122,400.00 1 7.250 834.98 74 7.000 834.98 ARLINGTON TN 38002 1 12/09/02 00 0415591387 05 02/01/03 0 0415591387 O 01/01/33 0 8269873 E22/G02 F 229,050.00 ZZ 360 229,050.00 1 7.625 1,621.20 90 7.375 1,621.20 GRANTS PASS OR 97526 1 12/04/02 10 0415611177 05 02/01/03 25 0415611177 O 01/01/33 0 8269891 E22/G02 F 172,000.00 ZZ 360 172,000.00 1 7.500 1,202.65 80 7.250 1,202.65 MIDDLETOWN NJ 07718 1 12/09/02 00 0415472885 05 02/01/03 0 0415472885 N 01/01/33 0 8269895 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.750 1,297.20 69 6.500 1,297.20 FORT BRAGG CA 95437 5 11/27/02 00 0415475136 05 02/01/03 0 0415475136 O 01/01/33 0 8269915 E22/G02 F 104,000.00 ZZ 360 104,000.00 1 7.375 718.30 33 7.125 718.30 BOYNTON BEACH FL 33437 2 12/04/02 00 0415483353 03 02/01/03 0 0415483353 O 01/01/33 0 8269927 E22/G02 F 161,000.00 ZZ 360 160,839.23 1 6.500 1,017.63 89 6.250 1,017.63 1 LAWRENCEVILLE GA 30044 2 11/26/02 10 0415488154 03 01/01/03 30 0415488154 O 12/01/32 0 8269935 E22/G02 F 112,100.00 ZZ 360 112,100.00 1 6.875 736.42 95 6.625 736.42 NORTH MIAMI BEA FL 33162 5 12/03/02 04 0415489491 07 02/01/03 30 0415489491 O 01/01/33 0 8269939 E22/G02 F 86,320.00 ZZ 360 86,320.00 1 7.375 596.19 80 7.125 596.19 PORT ST LUCIE FL 34952 1 12/09/02 00 0415495134 05 02/01/03 0 0415495134 N 01/01/33 0 8270611 L76/G02 F 187,000.00 ZZ 360 187,000.00 1 6.250 1,151.39 100 6.000 1,151.39 OWATONNA MN 55060 1 12/06/02 11 0435107438 05 02/01/03 35 9507146 O 01/01/33 0 8270647 E47/G02 F 130,000.00 ZZ 360 129,879.60 1 6.375 811.03 65 6.125 811.03 LAFAYETTE CO 80026 2 11/27/02 00 0435097571 05 01/01/03 0 7321011519 O 12/01/32 0 8270767 964/G02 F 350,000.00 ZZ 360 349,667.91 1 6.250 2,155.01 70 6.000 2,155.01 CONIFER CO 80433 5 12/02/02 00 0435142831 05 01/01/03 0 299256 O 12/01/32 0 1 8270831 U05/G02 F 525,000.00 ZZ 360 524,501.85 1 6.250 3,232.52 70 6.000 3,232.52 MERCER ISLAND WA 98040 5 11/22/02 00 0435069281 05 01/01/03 0 3286699 O 12/01/32 0 8271091 962/G02 F 36,150.00 ZZ 360 36,150.00 1 7.500 252.77 90 7.250 252.77 MOORHEAD MN 56560 1 12/06/02 14 0435084991 05 02/01/03 25 2002629 N 01/01/33 0 8271109 A52/G02 F 120,650.00 ZZ 360 120,562.68 1 7.625 853.95 95 7.375 853.95 ATLANTA GA 30331 1 12/02/02 04 0435109871 01 01/01/03 30 22427 O 12/01/32 0 8271215 B39/G02 F 171,000.00 ZZ 360 171,000.00 1 6.875 1,123.35 95 6.625 1,123.35 MONTICELLO MN 55362 5 12/02/02 12 0435107578 05 02/01/03 30 200233541 O 01/01/33 0 8271579 P59/G02 F 344,000.00 ZZ 360 343,710.99 1 6.875 2,259.84 80 6.625 2,259.84 ARROYO GRANDE CA 93420 1 11/26/02 00 0435068317 05 01/01/03 0 AT004920 O 12/01/32 0 8271655 477/G02 F 145,600.00 ZZ 360 145,477.68 1 1 6.875 956.49 80 6.625 956.49 BORING OR 97009 1 11/20/02 00 0435118880 05 01/01/03 0 258090 N 12/01/32 0 8271657 U19/G02 F 171,720.00 ZZ 360 171,589.33 1 7.375 1,186.03 95 7.125 1,186.03 DENVER CO 80204 1 11/26/02 01 0435050471 01 01/01/03 30 58041201 O 12/01/32 0 8271681 A19/G02 F 278,000.00 ZZ 360 278,000.00 4 6.750 1,803.10 74 6.500 1,803.10 LYNN MA 01905 5 12/03/02 00 0435123005 05 02/01/03 0 11863 O 01/01/33 0 8271713 K15/G02 F 107,200.00 ZZ 360 107,100.71 2 6.375 668.79 36 6.125 668.79 LITCHFIELD NH 03052 5 11/25/02 00 0435059688 05 01/01/03 0 0320005506383 O 12/01/32 0 8271793 K15/G02 F 164,000.00 ZZ 360 164,000.00 1 6.875 1,077.36 85 6.625 1,077.36 SCARBOROUGH ME 04074 5 12/02/02 41 0435061635 05 02/01/03 12 007705301901 O 01/01/33 0 8271795 B98/G02 F 290,000.00 ZZ 360 289,724.84 1 6.250 1,785.58 58 6.000 1,785.58 MILPITAS CA 95035 5 11/15/02 00 0435094479 05 01/01/03 0 1 B210165VP O 12/01/32 0 8271801 X13/G02 F 158,000.00 ZZ 360 157,867.26 1 6.875 1,037.95 84 6.625 1,037.95 PEMBROKE PINES FL 33024 2 11/29/02 04 0435112537 09 01/01/03 12 95298601 O 12/01/32 0 8271913 U87/G02 F 360,000.00 ZZ 360 359,666.57 1 6.375 2,245.93 80 6.125 2,245.93 PASADENA AREA CA 91107 2 11/22/02 00 0435102066 05 01/01/03 0 7491 O 12/01/32 0 8272023 562/G02 F 360,000.00 ZZ 360 360,000.00 2 7.250 2,455.84 90 7.000 2,455.84 YONKERS NY 10701 1 12/02/02 04 0435096615 05 02/01/03 25 297048614 O 01/01/33 0 8272029 758/G02 F 68,000.00 ZZ 360 67,942.87 1 6.875 446.71 80 6.625 446.71 CONROE TX 77385 5 11/21/02 00 0435144795 03 01/01/03 0 1 O 12/01/32 0 8272059 K15/G02 F 119,900.00 ZZ 360 119,900.00 1 6.750 777.67 69 6.500 777.67 WEST BLOOMFIELD MI 48324 5 12/02/02 00 0435053749 05 02/01/03 0 035605506142 O 01/01/33 0 1 8272657 253/253 F 264,000.00 ZZ 360 264,000.00 1 6.375 1,647.02 80 6.125 1,647.02 NAPERVILLE IL 60540 1 12/03/02 00 443302 05 02/01/03 0 443302 O 01/01/33 0 8272771 W39/G02 F 99,750.00 ZZ 360 99,750.00 1 7.500 697.47 95 7.250 697.47 KENNER LA 70065 5 12/05/02 01 0435089875 05 02/01/03 30 LA024480 O 01/01/33 0 8272779 U35/G02 F 72,250.00 ZZ 360 72,250.00 1 7.500 505.18 85 7.250 505.18 WAUPACA WI 54981 5 12/06/02 01 0435103023 05 02/01/03 12 0007521753 O 01/01/33 0 8272893 E40/G02 F 280,000.00 ZZ 360 280,000.00 1 6.500 1,769.79 75 6.250 1,769.79 SAUGUS MA 01906 2 12/04/02 00 0435117270 01 02/01/03 0 200200153 O 01/01/33 0 8272973 M37/G02 F 190,050.00 ZZ 360 189,873.98 1 6.375 1,185.66 83 6.125 1,185.66 ALBUQUERQUE NM 87114 1 11/22/02 04 0435096623 05 01/01/03 12 609222 O 12/01/32 0 8273013 408/G02 F 100,000.00 ZZ 360 99,918.02 2 7.000 665.31 77 6.750 665.31 1 GRAIN VALLEY MO 64029 2 11/15/02 00 0435102694 05 01/01/03 0 703028743 N 12/01/32 0 8273063 E22/G02 F 90,000.00 ZZ 360 89,766.21 1 6.750 583.74 90 6.500 583.74 NORTH AUGUSTA SC 29841 5 09/25/02 10 0415001601 05 11/01/02 25 0415001601 O 10/01/32 0 8273067 E22/G02 F 223,200.00 ZZ 360 223,200.00 1 6.500 1,410.78 80 6.250 1,410.78 HAYWARD CA 94544 2 11/26/02 00 0415076595 01 02/01/03 0 0415076595 O 01/01/33 0 8273077 E22/G02 F 181,000.00 ZZ 360 181,000.00 1 6.125 1,099.78 73 5.875 1,099.78 LAKE WORTH FL 33467 5 12/05/02 00 0415164300 03 02/01/03 0 0415164300 O 01/01/33 0 8273085 E22/G02 F 76,415.00 ZZ 360 76,415.00 2 7.000 508.39 85 6.750 508.39 SPARTA MO 65714 2 12/10/02 04 0415210541 05 02/01/03 20 0415210541 N 01/01/33 0 8273117 E22/G02 F 135,000.00 ZZ 360 135,000.00 1 6.625 864.42 75 6.375 864.42 WIMBERLEY TX 78676 5 12/10/02 00 0415318542 05 02/01/03 0 0415318542 N 01/01/33 0 1 8273123 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 7.000 1,330.60 36 6.750 1,330.60 HORSESHOE BAY TX 78657 5 12/05/02 00 0415325224 03 02/01/03 0 0415325224 O 01/01/33 0 8273129 E22/G02 F 280,000.00 ZZ 360 280,000.00 1 6.625 1,792.87 45 6.375 1,792.87 MANALAPAN TOWNS NJ 07726 5 12/05/02 00 0415353978 05 02/01/03 0 0415353978 O 01/01/33 0 8273133 E22/G02 F 99,600.00 ZZ 360 99,600.00 1 6.250 613.25 80 6.000 613.25 HOUSTON TX 77089 5 12/05/02 00 0415371848 03 02/01/03 0 0415371848 O 01/01/33 0 8273135 E22/G02 F 123,000.00 ZZ 360 123,000.00 1 7.625 870.59 85 7.375 870.59 WILMINGTON NC 28411 2 12/05/02 01 0415377951 05 02/01/03 12 0415377951 O 01/01/33 0 8273155 E22/G02 F 319,500.00 ZZ 360 319,500.00 1 7.125 2,152.53 90 6.875 2,152.53 STERLING HEIGHT MI 48314 1 12/10/02 04 0415410638 03 02/01/03 25 0415410638 O 01/01/33 0 8273177 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 1 6.750 1,297.20 76 6.500 1,297.20 WEST PALM BEACH FL 33412 5 12/05/02 00 0415418862 05 02/01/03 0 0415418862 O 01/01/33 0 8273185 E22/G02 F 315,000.00 ZZ 360 315,000.00 1 6.500 1,991.01 90 6.250 1,991.01 DEERFIELD BEACH FL 33442 1 12/10/02 04 0415431204 03 02/01/03 25 0415431204 O 01/01/33 0 8273191 E22/G02 F 60,000.00 ZZ 360 60,000.00 1 6.875 394.16 80 6.625 394.16 EUGENE OR 97402 1 12/04/02 00 0415434703 09 02/01/03 0 0415434703 N 01/01/33 0 8273203 E22/G02 F 126,000.00 ZZ 360 126,000.00 1 6.500 796.41 59 6.250 796.41 OAKDALE CA 95361 5 12/04/02 00 0415451533 05 02/01/03 0 0415451533 O 01/01/33 0 8273205 E22/G02 F 189,600.00 ZZ 360 189,600.00 1 6.375 1,182.86 80 6.125 1,182.86 MIAMI FL 33155 5 12/05/02 00 0415455195 05 02/01/03 0 0415455195 O 01/01/33 0 8273209 E22/G02 F 264,000.00 ZZ 360 264,000.00 2 6.375 1,647.02 80 6.125 1,647.02 BOONTON NJ 07005 1 12/10/02 00 0415456979 05 02/01/03 0 1 0415456979 O 01/01/33 0 8273221 E22/G02 F 512,000.00 ZZ 360 512,000.00 1 6.750 3,320.82 79 6.500 3,320.82 DENVER CO 80210 5 12/05/02 00 0415484450 05 02/01/03 0 0415484450 O 01/01/33 0 8273223 E22/G02 F 205,500.00 ZZ 360 205,500.00 1 6.500 1,298.90 77 6.250 1,298.90 EMERSON NJ 07630 2 12/05/02 00 0415485291 05 02/01/03 0 0415485291 O 01/01/33 0 8273233 E22/G02 F 46,000.00 ZZ 360 46,000.00 1 7.250 313.80 80 7.000 313.80 ANDERSON IN 46012 1 12/10/02 00 0415495001 05 02/01/03 0 0415495001 N 01/01/33 0 8273239 E22/G02 F 360,000.00 ZZ 360 360,000.00 1 6.250 2,216.58 80 6.000 2,216.58 CAMARILLO CA 93010 2 12/03/02 00 0415507417 05 02/01/03 0 0415507417 O 01/01/33 0 8273241 E22/G02 F 340,000.00 ZZ 360 340,000.00 1 6.500 2,149.03 80 6.250 2,149.03 FLINT HILL VA 22627 5 12/05/02 00 0415509769 05 02/01/03 0 0415509769 O 01/01/33 0 1 8273245 E22/G02 F 199,900.00 ZZ 360 199,900.00 1 6.625 1,279.98 87 6.375 1,279.98 GALLOWAY NJ 08205 1 12/10/02 04 0415510452 05 02/01/03 25 0415510452 O 01/01/33 0 8273259 E22/G02 F 195,000.00 ZZ 360 195,000.00 1 6.500 1,232.53 59 6.250 1,232.53 OLYMPIA FIELDS IL 60461 5 12/05/02 00 0415524560 05 02/01/03 0 0415524560 O 01/01/33 0 8273271 E22/G02 F 456,000.00 ZZ 360 456,000.00 1 6.250 2,807.67 80 6.000 2,807.67 SAN FRANCISCO CA 94121 5 12/04/02 00 0415536465 07 02/01/03 0 0415536465 O 01/01/33 0 8273273 E22/G02 F 149,000.00 ZZ 360 149,000.00 1 6.875 978.82 80 6.625 978.82 KRUM TX 76249 5 12/05/02 00 0415538438 05 02/01/03 0 0415538438 O 01/01/33 0 8273283 E22/G02 F 287,850.00 ZZ 360 287,850.00 1 6.625 1,843.14 95 6.375 1,843.14 VISTA CA 92083 1 12/03/02 11 0415542166 05 02/01/03 30 0415542166 O 01/01/33 0 8273287 E22/G02 F 296,000.00 ZZ 360 296,000.00 1 6.500 1,870.92 80 6.250 1,870.92 1 SOUTHLAKE TX 76092 5 12/05/02 00 0415546175 03 02/01/03 0 0415546175 O 01/01/33 0 8273299 E22/G02 F 185,600.00 ZZ 360 185,600.00 1 6.875 1,219.26 80 6.625 1,219.26 COLORADO SPRING CO 80919 5 12/05/02 00 0415563584 05 02/01/03 0 0415563584 O 01/01/33 0 8273301 E22/G02 F 463,800.00 ZZ 360 463,800.00 1 6.625 2,969.76 74 6.375 2,969.76 NEWBURY MA 01951 5 12/05/02 00 0415566405 05 02/01/03 0 0415566405 O 01/01/33 0 8273319 E22/G02 F 187,100.00 ZZ 360 187,100.00 4 6.500 1,182.60 80 6.250 1,182.60 WORCESTER MA 01606 1 12/10/02 00 0415598283 05 02/01/03 0 0415598283 N 01/01/33 0 8273327 E22/G02 F 175,000.00 ZZ 360 175,000.00 1 6.375 1,091.77 80 6.125 1,091.77 CODY WY 82450 5 11/27/02 00 0415600824 05 02/01/03 0 0415600824 O 01/01/33 0 8273337 E22/G02 F 114,000.00 ZZ 360 114,000.00 1 6.375 711.21 75 6.125 711.21 WILMINGTON NC 28403 1 12/09/02 00 0415604396 05 02/01/03 0 0415604396 O 01/01/33 0 1 8273357 E22/G02 F 418,500.00 ZZ 360 418,500.00 1 6.500 2,645.20 90 6.250 2,645.20 GLENDALE CA 91206 1 12/06/02 04 0415673151 05 02/01/03 25 0415673151 O 01/01/33 0 8273367 E82/G02 F 130,200.00 ZZ 360 130,200.00 2 6.625 833.68 38 6.375 833.68 METUCHEN NJ 08840 2 12/06/02 00 0400723995 05 02/01/03 0 1757007 O 01/01/33 0 8273377 E82/G02 F 268,650.00 ZZ 360 268,650.00 1 6.875 1,764.84 81 6.625 1,764.84 SAN JOSE CA 95131 2 12/05/02 04 0400725610 01 02/01/03 12 3521986 O 01/01/33 0 8273379 E82/G02 F 51,700.00 ZZ 360 51,700.00 1 7.000 343.96 74 6.750 343.96 EASLEY SC 29640 2 12/09/02 00 0400728648 07 02/01/03 0 1614198 N 01/01/33 0 8273873 W40/G02 F 104,000.00 ZZ 360 103,922.82 1 7.500 727.18 80 7.250 727.18 CORMSTOCK MI 49321 5 11/27/02 00 0435102496 05 01/01/03 0 102014550 O 12/01/32 0 8274181 S11/G02 F 315,000.00 ZZ 360 314,735.36 1 1 6.875 2,069.33 75 6.625 2,069.33 ALISO VIEJO ARE CA 92656 2 11/25/02 00 0435092499 29 01/01/03 0 10209167 O 12/01/32 0 8274577 U97/G02 F 167,000.00 ZZ 360 166,849.03 1 6.500 1,055.55 77 6.250 1,055.55 SAN DIEGO CA 92154 2 11/21/02 00 0435112941 01 01/01/03 0 20029596 O 12/01/32 0 8274693 F61/G02 F 130,000.00 ZZ 360 130,000.00 1 6.375 811.03 64 6.125 811.03 SEATTLE WA 98106 5 12/02/02 00 0435089917 05 02/01/03 0 022509B O 01/01/33 0 8274789 N47/G02 F 443,000.00 ZZ 360 442,599.52 1 6.500 2,800.06 80 6.250 2,800.06 SAN DIEGO CA 92128 2 11/25/02 00 0435118195 09 01/01/03 0 30500741 O 12/01/32 0 8274795 X71/G02 F 300,000.00 ZZ 360 300,000.00 1 6.500 1,896.20 78 6.250 1,896.20 CASTRO VALLEY CA 94546 1 12/03/02 00 0435109814 05 02/01/03 0 7491298 O 01/01/33 0 8274943 N47/G02 F 650,000.00 ZZ 360 650,000.00 1 6.125 3,949.47 60 5.875 3,949.47 CASTRO VALLEY CA 94552 5 12/02/02 00 0435110796 05 02/01/03 0 1 90500045 O 01/01/33 0 8274945 B28/G02 F 215,200.00 ZZ 360 214,995.80 1 6.250 1,325.03 80 6.000 1,325.03 EVERGREEN CO 80439 1 11/26/02 00 0435092374 01 01/01/03 0 01300743 O 12/01/32 0 8274989 883/G02 F 132,500.00 ZZ 360 132,391.39 1 7.000 881.53 58 6.750 881.53 HALETHORPE MD 21227 5 11/25/02 00 0435113501 05 01/01/03 0 05019258 O 12/01/32 0 8274991 J40/G02 F 123,000.00 ZZ 360 122,748.69 1 6.875 808.02 85 6.625 808.02 SATSUMA AL 36572 4 11/05/02 11 0435118781 05 12/01/02 12 7760672 O 11/01/32 0 8275115 T29/G02 F 285,000.00 ZZ 360 285,000.00 1 6.500 1,801.39 65 6.250 1,801.39 PAYSON AZ 85541 2 11/25/02 00 0435088489 05 02/01/03 0 1527060 O 01/01/33 0 8275283 H81/G02 F 160,000.00 ZZ 360 159,865.58 2 6.875 1,051.09 85 6.625 1,051.09 RACINE WI 53404 5 11/26/02 04 0435165535 05 01/01/03 12 WH16989 O 12/01/32 0 1 8275293 N47/G02 F 341,250.00 ZZ 360 340,956.19 1 6.750 2,213.34 75 6.500 2,213.34 SAN DIEGO CA 92109 2 11/25/02 00 0435125935 05 01/01/03 0 30500414 N 12/01/32 0 8275303 P09/G02 F 115,800.00 ZZ 360 115,800.00 1 6.680 745.70 80 6.430 745.70 FREDERICK MD 21703 5 12/04/02 00 0435109541 09 02/01/03 0 R0209162 O 01/01/33 0 8275357 P44/G02 F 256,000.00 ZZ 360 256,000.00 1 6.250 1,576.24 80 6.000 1,576.24 HARWICH MA 02645 5 11/27/02 00 0435109194 05 02/01/03 0 1 O 01/01/33 0 8275395 940/G02 F 48,000.00 ZZ 360 48,000.00 1 7.500 335.62 80 7.250 335.62 APPLE VALLEY CA 92308 1 12/03/02 00 0435102546 05 02/01/03 0 73020044 N 01/01/33 0 8275401 601/G02 F 166,000.00 ZZ 360 165,860.53 1 6.875 1,090.51 26 6.625 1,090.51 SAN JOSE CA 95418 5 11/14/02 00 0435017355 05 01/01/03 0 62120027 O 12/01/32 0 8275403 N74/G02 F 180,000.00 ZZ 360 180,000.00 1 6.375 1,122.97 75 6.125 1,122.97 1 DALLAS TX 75238 5 11/29/02 00 0435157581 05 02/01/03 0 0031237010 O 01/01/33 0 8275407 E47/G02 F 184,000.00 ZZ 360 183,833.66 1 6.500 1,163.01 80 6.250 1,163.01 LAVEEN AZ 85339 1 11/26/02 00 0435117601 05 01/01/03 0 7320011680 O 12/01/32 0 8275461 F89/G02 F 316,000.00 ZZ 360 316,000.00 1 6.875 2,075.90 79 6.625 2,075.90 SAUGUS CA 91350 2 12/02/02 00 0435113196 03 02/01/03 0 16824265 O 01/01/33 0 8275467 A50/G02 F 256,000.00 T 360 256,000.00 1 6.875 1,681.74 80 6.625 1,681.74 TYBEE ISLAND GA 31328 2 12/03/02 00 0435110317 05 02/01/03 0 943395 O 01/01/33 0 8275491 P01/G02 F 55,530.00 ZZ 360 55,488.78 2 7.500 388.28 90 7.250 388.28 AMSTERDAM NY 12010 1 11/25/02 04 0435102645 05 01/01/03 25 02003241 N 12/01/32 0 8275537 F61/G02 F 300,700.00 ZZ 360 300,700.00 1 7.000 2,000.56 74 6.750 2,000.56 COVINGTON WA 98042 1 12/03/02 00 0435114376 03 02/01/03 0 022572B O 01/01/33 0 1 8275549 940/G02 F 73,600.00 ZZ 360 73,545.38 1 7.500 514.62 80 7.250 514.62 MESA AZ 85205 1 11/21/02 00 0435112966 01 01/01/03 0 67020156 N 12/01/32 0 8275551 975/G02 F 543,750.00 ZZ 360 542,833.75 1 6.875 3,572.05 75 6.625 3,572.05 CERRITOS CA 90703 1 10/28/02 00 0435113360 03 12/01/02 0 2024807 O 11/01/32 0 8275553 N47/G02 F 270,500.00 ZZ 360 270,243.33 1 6.250 1,665.52 66 6.000 1,665.52 THOUSAND OAKS CA 91362 2 11/19/02 00 0435183967 05 01/01/03 0 30500652 O 12/01/32 0 8275579 975/G02 F 90,000.00 ZZ 360 89,832.85 1 6.375 561.48 79 6.125 561.48 BAKERSFIELD CA 93307 1 10/28/02 00 0435122049 05 12/01/02 0 2024688 O 11/01/32 0 8275583 S11/G02 F 492,000.00 ZZ 360 491,533.17 1 6.250 3,029.33 80 6.000 3,029.33 LAGUNA NIGUEL CA 92677 5 11/25/02 00 0435110853 03 01/01/03 0 10210011 O 12/01/32 0 8275781 E47/G02 F 375,000.00 ZZ 360 374,684.96 1 1 6.875 2,463.48 87 6.625 2,463.48 SAN JOSE CA 95127 5 11/21/02 11 0435047352 05 01/01/03 25 7333012770 O 12/01/32 0 8275815 N74/G02 F 82,175.00 ZZ 360 82,102.49 1 6.625 526.18 95 6.375 526.18 MOORESVILLE NC 28115 5 11/30/02 10 0435113774 05 01/05/03 30 0031265010 O 12/05/32 0 8275827 U28/G02 F 59,000.00 ZZ 360 59,000.00 1 6.500 372.92 69 6.250 372.92 DALLAS GA 30132 2 12/04/02 00 0435040738 05 02/01/03 0 2000006507 O 01/01/33 0 8275853 N74/G02 F 98,400.00 ZZ 360 98,400.00 1 6.500 621.95 80 6.250 621.95 COLFAX NC 27235 5 11/29/02 00 0435092804 05 02/01/03 0 0031262010 O 01/01/33 0 8275869 A46/G02 F 175,500.00 ZZ 360 175,500.00 4 7.500 1,227.13 90 7.250 1,227.13 AUSTIN TX 78741 1 12/04/02 04 0435107602 05 02/01/03 25 0726005 N 01/01/33 0 8275891 940/G02 F 175,900.00 ZZ 360 175,755.81 1 7.000 1,170.27 80 6.750 1,170.27 WILDOMAR CA 92595 1 11/22/02 00 0435048442 05 01/01/03 0 1 63021007 O 12/01/32 0 8275987 742/G02 F 171,200.00 ZZ 360 171,200.00 1 6.875 1,124.66 73 6.625 1,124.66 ROCHESTER NY 14618 2 11/25/02 00 0435116132 05 02/01/03 0 5804844 O 01/01/33 0 8276051 742/G02 F 59,200.00 T 360 59,200.00 1 6.250 364.50 80 6.000 364.50 CORNWALLVILLE NY 12222 1 12/06/02 00 0435112776 05 02/01/03 0 5180476 O 01/01/33 0 8276135 H58/G02 F 317,850.00 ZZ 360 317,576.34 1 6.750 2,061.57 78 6.500 2,061.57 PORTLAND OR 97209 1 11/26/02 00 0435107719 08 01/01/03 0 0000117375 O 12/01/32 0 8276291 N74/G02 F 124,200.00 ZZ 360 124,082.15 1 6.250 764.72 77 6.000 764.72 SCOTTSBURG VA 24589 2 11/27/02 00 0435093034 05 01/03/03 0 0031203010 O 12/03/32 0 8276413 P09/G02 F 176,000.00 ZZ 360 175,824.79 1 6.000 1,055.21 71 5.750 1,055.21 CROWNSVILLE MD 21032 2 10/30/02 00 0435132923 05 01/01/03 0 R0205433 O 12/01/32 0 1 8276435 P01/G02 F 42,500.00 ZZ 360 42,500.00 2 6.500 268.63 85 6.250 268.63 ALBANY NY 12206 1 12/02/02 04 0435116330 05 02/01/03 12 02009280 N 01/01/33 0 8276481 H93/G02 F 378,000.00 ZZ 360 378,000.00 1 6.875 2,483.19 90 6.625 2,483.19 FAIRWAY KS 66205 5 12/02/02 12 0435110358 05 02/01/03 25 2002001845 O 01/01/33 0 8276535 U36/G02 F 650,000.00 ZZ 360 650,000.00 1 6.750 4,215.89 75 6.500 4,215.89 GERMANTOWN MD 20874 5 12/03/02 00 0435104716 05 02/01/03 0 833062002 O 01/01/33 0 8276551 E11/G02 F 560,000.00 ZZ 360 559,481.33 1 6.375 3,493.67 75 6.125 3,493.67 MINNEAPOLIS MN 55409 1 12/02/02 00 0435132956 05 01/01/03 0 0004001048409 O 12/01/32 0 8276589 B44/G02 F 213,600.00 ZZ 360 213,420.55 1 6.875 1,403.20 80 6.625 1,403.20 VACAVILLE CA 95687 5 11/20/02 00 0435040951 03 01/01/03 0 3020623 O 12/01/32 0 8276619 B57/G02 F 80,500.00 ZZ 360 80,438.75 1 7.375 555.99 90 7.125 555.99 1 PEORIA AZ 85345 2 11/26/02 01 0435131727 05 01/01/03 25 20001116 N 12/01/32 0 8276623 S27/G02 F 164,000.00 ZZ 360 163,851.73 3 6.500 1,036.60 80 6.250 1,036.60 FREDERICKSBURG VA 22401 2 12/02/02 00 0435104328 05 01/01/03 0 1130010787 N 12/01/32 0 8276851 967/G02 F 89,200.00 ZZ 360 89,119.37 1 6.500 563.80 80 6.250 563.80 BOISE ID 83703 1 12/02/02 00 0435106356 05 01/01/03 0 5817952 N 12/01/32 0 8276893 L86/G02 F 220,500.00 ZZ 360 220,500.00 1 6.500 1,393.71 70 6.250 1,393.71 COSTA MESA CA 92627 5 12/02/02 00 0435132295 05 02/01/03 0 10001270 O 01/01/33 0 8276897 R84/G02 F 195,000.00 ZZ 360 194,823.72 1 6.500 1,232.53 62 6.250 1,232.53 CHULA VISTA CA 91910 5 11/21/02 00 0435104823 05 01/01/03 0 LVW5305 O 12/01/32 0 8276931 Q14/G02 F 68,500.00 ZZ 360 68,500.00 1 6.500 432.97 52 6.250 432.97 LAKE TAPAWINGO MO 64015 5 12/05/02 00 0435059092 03 02/01/03 0 0000210349 O 01/01/33 0 1 8277051 967/G02 F 200,000.00 ZZ 360 199,814.76 1 6.375 1,247.74 50 6.125 1,247.74 BLAINE COUNTY ID 83333 1 12/03/02 00 0435117486 03 01/01/03 0 5853239 O 12/01/32 0 8277099 588/G02 F 388,000.00 ZZ 360 387,665.94 1 6.750 2,516.56 80 6.500 2,516.56 BIRMINGHAM PA 19382 1 11/15/02 00 0435091624 05 01/01/03 0 1079525 O 12/01/32 0 8277105 W30/G02 F 592,000.00 ZZ 360 592,000.00 1 6.375 3,693.31 80 6.125 3,693.31 NORTH ANDOVER MA 01845 5 12/06/02 00 0435110051 05 02/01/03 0 0646714 O 01/01/33 0 8277109 F61/G02 F 159,800.00 ZZ 360 159,800.00 1 6.500 1,010.04 30 6.250 1,010.04 SEATTLE WA 98122 2 12/01/02 00 0435131446 05 02/01/03 0 022326B O 01/01/33 0 8277145 E47/G02 F 300,000.00 ZZ 360 299,741.71 1 6.750 1,945.79 78 6.500 1,945.79 TERRELL NC 28682 1 11/27/02 00 0435149810 05 01/01/03 0 7350510267 O 12/01/32 0 8277173 642/G02 F 192,400.00 ZZ 360 192,400.00 1 1 6.500 1,216.10 65 6.250 1,216.10 SAN MARCOS CA 92069 5 12/06/02 00 0435089461 05 02/01/03 0 11207502 O 01/01/33 0 8277181 X80/G02 F 272,000.00 ZZ 360 271,748.07 1 6.375 1,696.93 61 6.125 1,696.93 LOS ANGELES CA 90043 2 11/22/02 00 0435106273 05 01/01/03 0 1410082020 O 12/01/32 0 8277211 893/G02 F 220,000.00 ZZ 360 220,000.00 1 6.625 1,408.68 80 6.375 1,408.68 SAN PABLO CA 94806 5 12/01/02 00 0435105671 05 02/01/03 0 M21114091 O 01/01/33 0 8277219 U05/G02 F 375,000.00 ZZ 360 374,652.68 1 6.375 2,339.51 63 6.125 2,339.51 SANTA MONICA CA 90403 5 11/07/02 00 0435115365 01 01/01/03 0 3282293 O 12/01/32 0 8277257 K60/G02 F 70,400.00 ZZ 360 70,334.80 1 6.375 439.20 80 6.125 439.20 LANSING MI 48911 5 11/22/02 00 0435112131 05 01/01/03 0 0001042716 O 12/01/32 0 8277335 K15/G02 F 200,000.00 ZZ 360 199,823.55 1 6.625 1,280.62 80 6.375 1,280.62 CITRUS HEIGHTS CA 95610 5 11/16/02 00 0435076278 05 01/01/03 0 1 039005504513 O 12/01/32 0 8277387 E22/G02 F 368,000.00 ZZ 360 368,000.00 1 6.375 2,295.84 73 6.125 2,295.84 MUKILTEO WA 98275 2 12/03/02 00 0414629147 05 02/01/03 0 0414629147 O 01/01/33 0 8277397 E22/G02 F 184,500.00 ZZ 360 184,500.00 1 6.750 1,196.66 88 6.500 1,196.66 GROVER WY 83122 5 12/02/02 01 0414973867 05 02/01/03 25 0414973867 O 01/01/33 0 8277407 E22/G02 F 497,000.00 ZZ 360 497,000.00 1 6.375 3,100.63 74 6.125 3,100.63 ALAMEDA CA 94502 2 12/04/02 00 0415044981 03 02/01/03 0 0415044981 O 01/01/33 0 8277433 E22/G02 F 143,500.00 ZZ 360 143,370.27 1 6.500 907.02 76 6.250 907.02 SPOKANE WA 99212 2 11/21/02 00 0415217231 05 01/01/03 0 0415217231 O 12/01/32 0 8277437 E22/G02 F 180,000.00 ZZ 360 180,000.00 1 6.375 1,122.97 65 6.125 1,122.97 ELKHORN NE 68022 1 12/11/02 00 0415276781 05 02/01/03 0 0415276781 O 01/01/33 0 1 8277439 E22/G02 F 560,000.00 ZZ 360 560,000.00 1 7.250 3,820.19 70 7.000 3,820.19 SAN ANTONIO TX 78209 5 12/06/02 00 0415278639 03 02/01/03 0 0415278639 O 01/01/33 0 8277443 E22/G02 F 185,000.00 ZZ 360 185,000.00 3 6.625 1,184.58 51 6.375 1,184.58 REVERE MA 02121 5 12/05/02 00 0415289347 05 02/01/03 0 0415289347 O 01/01/33 0 8277453 E22/G02 F 176,000.00 ZZ 360 176,000.00 1 7.000 1,170.93 84 6.750 1,170.93 MIAMI FL 33196 5 12/06/02 04 0415315852 05 02/01/03 12 0415315852 O 01/01/33 0 8277455 E22/G02 F 215,000.00 ZZ 360 215,000.00 1 6.375 1,341.32 74 6.125 1,341.32 WOODLAND CA 95695 5 12/04/02 00 0415316868 05 02/01/03 0 0415316868 O 01/01/33 0 8277457 E22/G02 F 179,000.00 ZZ 360 179,000.00 1 6.375 1,116.73 59 6.125 1,116.73 KIRKLAND WA 98033 2 12/04/02 00 0415317940 05 02/01/03 0 0415317940 O 01/01/33 0 8277497 E22/G02 F 202,400.00 ZZ 360 202,400.00 1 6.500 1,279.31 80 6.250 1,279.31 1 FOX ISLAND WA 98333 5 12/04/02 00 0415333889 05 02/01/03 0 0415333889 O 01/01/33 0 8277501 E22/G02 F 360,000.00 ZZ 360 360,000.00 1 6.500 2,275.44 80 6.250 2,275.44 BEDFORD NH 03110 5 12/06/02 00 0415333905 05 02/01/03 0 0415333905 O 01/01/33 0 8277505 E22/G02 F 117,000.00 ZZ 360 117,000.00 1 6.375 729.93 80 6.125 729.93 BEND OR 97701 5 12/05/02 00 0415347392 05 02/01/03 0 0415347392 O 01/01/33 0 8277513 E22/G02 F 186,000.00 ZZ 360 186,000.00 1 6.375 1,160.40 78 6.125 1,160.40 PITTSBURG CA 94565 2 12/02/02 00 0415356609 05 02/01/03 0 0415356609 O 01/01/33 0 8277517 E22/G02 F 423,750.00 ZZ 360 423,750.00 1 6.750 2,748.43 75 6.500 2,748.43 LOXAHATCHEE FL 33470 5 12/06/02 00 0415362003 03 02/01/03 0 0415362003 O 01/01/33 0 8277533 E22/G02 F 109,000.00 ZZ 360 109,000.00 1 6.500 688.95 74 6.250 688.95 LAKEVILLE (PAUP PA 18438 5 12/06/02 00 0415406099 05 02/01/03 0 0415406099 O 01/01/33 0 1 8277553 E22/G02 F 595,190.00 ZZ 360 595,190.00 1 6.375 3,713.21 77 6.125 3,713.21 REDWOOD CITY CA 94065 2 12/04/02 00 0415424340 05 02/01/03 0 0415424340 O 01/01/33 0 8277565 E22/G02 F 237,500.00 ZZ 360 237,500.00 1 6.375 1,481.69 95 6.125 1,481.69 FARMINGTON CT 06032 5 12/06/02 01 0415438571 05 02/01/03 30 0415438571 O 01/01/33 0 8277567 E22/G02 F 241,600.00 ZZ 360 241,600.00 1 7.375 1,668.67 80 7.125 1,668.67 WHEATON IL 60187 1 12/11/02 00 0415442045 05 02/01/03 0 0415442045 O 01/01/33 0 8277571 X31/G02 F 108,800.00 ZZ 360 108,699.23 1 6.375 678.77 85 6.125 678.77 AZUSA CA 91702 5 11/13/02 10 0435126412 01 01/01/03 25 40104909 O 12/01/32 0 8277579 E22/G02 F 93,600.00 ZZ 360 93,600.00 1 6.875 614.89 80 6.625 614.89 MEMPHIS TN 38117 1 12/10/02 00 0415462548 01 02/01/03 0 0415462548 O 01/01/33 0 8277581 E22/G02 F 97,850.00 ZZ 360 97,850.00 1 1 7.750 701.01 95 7.500 701.01 ANDERSON SC 29621 1 12/11/02 10 0415465343 05 02/01/03 30 0415465343 O 01/01/33 0 8277587 E22/G02 F 130,800.00 ZZ 360 130,800.00 1 6.500 826.74 77 6.250 826.74 SANTA FE NM 87501 2 12/06/02 00 0415474139 05 02/01/03 0 0415474139 O 01/01/33 0 8277591 E22/G02 F 105,300.00 ZZ 360 105,300.00 2 7.500 736.27 90 7.250 736.27 HOUSTON TX 77072 1 12/11/02 04 0415477538 05 02/01/03 25 0415477538 N 01/01/33 0 8277597 E22/G02 F 110,500.00 ZZ 360 110,500.00 1 6.250 680.37 56 6.000 680.37 ANNAPOLIS MD 21403 5 12/06/02 00 0415483221 01 02/01/03 0 0415483221 O 01/01/33 0 8277605 E22/G02 F 108,000.00 ZZ 360 108,000.00 1 6.875 709.48 75 6.625 709.48 MILWAUKIE OR 97222 2 12/05/02 00 0415500925 05 02/01/03 0 0415500925 N 01/01/33 0 8277607 E22/G02 F 72,000.00 ZZ 360 71,947.89 1 7.625 509.61 75 7.375 509.61 SPOKANE WA 99205 2 11/21/02 00 0415501261 05 01/01/03 0 1 0415501261 N 12/01/32 0 8277619 E22/G02 F 300,700.00 ZZ 360 300,700.00 1 6.250 1,851.46 72 6.000 1,851.46 SAN DIMAS CA 91773 5 12/04/02 00 0415512011 05 02/01/03 0 0415512011 O 01/01/33 0 8277621 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.375 1,247.74 69 6.125 1,247.74 DURANGO CO 81301 5 12/06/02 00 0415525732 05 02/01/03 0 0415525732 O 01/01/33 0 8277623 E22/G02 F 113,000.00 ZZ 360 113,000.00 2 6.625 723.55 80 6.375 723.55 ROUND ROCK TX 78664 2 12/11/02 00 0415528330 05 02/01/03 0 0415528330 N 01/01/33 0 8277625 E22/G02 F 61,000.00 ZZ 360 61,000.00 1 6.500 385.56 65 6.250 385.56 WEST PALM BEACH FL 33406 5 12/06/02 00 0415528769 09 02/01/03 0 0415528769 O 01/01/33 0 8277631 E22/G02 F 338,400.00 ZZ 360 338,400.00 1 6.500 2,138.92 80 6.250 2,138.92 HOUSTON TX 77030 5 12/05/02 00 0415532431 05 02/01/03 0 0415532431 O 01/01/33 0 1 8277635 E22/G02 F 123,000.00 T 360 123,000.00 1 6.500 777.44 75 6.250 777.44 FLORISSANT CO 80816 5 12/11/02 00 0415534593 05 02/01/03 0 0415534593 O 01/01/33 0 8277639 E22/G02 F 204,250.00 ZZ 360 204,250.00 1 6.875 1,341.78 95 6.625 1,341.78 GURLEY AL 35748 5 12/06/02 01 0415539386 05 02/01/03 30 0415539386 O 01/01/33 0 8277671 E22/G02 F 190,000.00 ZZ 360 190,000.00 1 7.000 1,264.07 64 6.750 1,264.07 STERLING HEIGHT MI 48314 2 12/11/02 00 0415578160 05 02/01/03 0 0415578160 N 01/01/33 0 8277673 E22/G02 F 66,400.00 ZZ 360 66,400.00 1 7.625 469.98 80 7.375 469.98 GARDEN CITY MI 48135 1 12/11/02 00 0415579150 05 02/01/03 0 0415579150 N 01/01/33 0 8277679 E22/G02 F 128,000.00 ZZ 360 128,000.00 1 6.375 798.55 80 6.125 798.55 PLANTATION FL 33324 5 12/06/02 00 0415584606 09 02/01/03 0 0415584606 O 01/01/33 0 8277681 E22/G02 F 128,000.00 ZZ 360 128,000.00 1 6.625 819.60 78 6.375 819.60 1 HARRISBURG PA 17110 5 12/06/02 00 0415586650 05 02/01/03 0 0415586650 O 01/01/33 0 8277693 E22/G02 F 313,000.00 ZZ 360 313,000.00 1 6.500 1,978.37 90 6.250 1,978.37 GUILFORD CT 06437 5 12/06/02 01 0415598671 05 02/01/03 25 0415598671 O 01/01/33 0 8277709 E22/G02 F 161,500.00 ZZ 360 161,500.00 1 6.750 1,047.49 95 6.500 1,047.49 LEICESTER MA 01611 5 12/06/02 01 0415627231 05 02/01/03 30 0415627231 O 01/01/33 0 8277749 E57/G02 F 348,000.00 ZZ 360 347,700.38 1 6.750 2,257.12 80 6.500 2,257.12 SANTA ANA CA 92705 1 11/25/02 00 0435104682 05 01/01/03 0 06012241 O 12/01/32 0 8277855 S11/G02 F 178,500.00 ZZ 360 178,500.00 1 6.500 1,128.24 85 6.250 1,128.24 LONG BEACH CA 90807 5 12/02/02 04 0435113287 01 02/01/03 12 10210077 O 01/01/33 0 8277951 883/G02 F 150,000.00 ZZ 360 150,000.00 1 6.375 935.80 69 6.125 935.80 BOCA RATON FL 33428 2 11/27/02 00 0435106349 05 02/01/03 0 05019362 O 01/01/33 0 1 8277965 N74/G02 F 227,000.00 ZZ 360 226,588.47 1 6.500 1,434.79 35 6.250 1,434.79 ALEXANDRIA VA 22314 5 10/31/02 00 0435116975 07 12/05/02 0 0031046010 O 11/05/32 0 8277975 420/G02 F 117,000.00 ZZ 360 116,886.29 1 6.125 710.90 43 5.875 710.90 YORKVILLE CA 95494 5 11/25/02 00 0435068192 05 01/01/03 0 72003018 O 12/01/32 0 8278085 144/144 F 150,000.00 ZZ 360 149,721.42 1 6.375 935.80 20 6.125 935.80 KINGSTON NY 12401 2 10/23/02 00 160701599 05 12/01/02 0 160701599 O 11/01/32 0 8278359 420/G02 F 300,700.00 ZZ 360 300,414.69 1 6.250 1,851.46 78 6.000 1,851.46 ROCKLIN CA 95765 2 11/22/02 00 0435063482 05 01/01/03 0 72004384 O 12/01/32 0 8278389 420/G02 F 327,000.00 ZZ 360 326,689.72 1 6.250 2,013.40 76 6.000 2,013.40 HEALDSBURG CA 95448 5 11/25/02 00 0435063227 05 01/01/03 0 72004428 O 12/01/32 0 8278393 420/G02 F 188,000.00 ZZ 360 187,838.14 2 1 6.750 1,219.36 80 6.500 1,219.36 CARMICHAEL CA 95608 5 11/14/02 00 0435062963 05 01/01/03 0 72003675 N 12/01/32 0 8278413 F36/G02 F 136,500.00 ZZ 360 136,500.00 1 6.375 851.58 75 6.125 851.58 LAKEWOOD WA 98498 5 12/04/02 00 0435105440 05 02/01/03 0 06405617 N 01/01/33 0 8278457 M27/G02 F 103,050.00 ZZ 360 103,050.00 1 6.375 642.90 87 6.125 642.90 MEMPHIS TN 38141 5 12/05/02 14 0435157524 05 02/01/03 25 5000035099 O 01/01/33 0 8278459 369/G02 F 131,575.00 ZZ 360 131,464.46 1 6.875 864.36 95 6.625 864.36 HOT SPRINGS VIL AR 71909 1 11/26/02 14 0435104856 05 01/01/03 30 0074802398 O 12/01/32 0 8278463 369/G02 F 100,050.00 ZZ 360 99,957.33 1 6.375 624.19 87 6.125 624.19 HEMET CA 92543 1 11/19/02 14 0435111661 05 01/01/03 25 0074742438 O 12/01/32 0 8278495 A06/G02 F 124,000.00 ZZ 360 123,885.15 1 6.375 773.60 80 6.125 773.60 WEST BLOOMFIELD MI 48322 2 11/26/02 00 0435065925 01 01/01/03 0 1 1000020226624 O 12/01/32 0 8278531 P09/G02 F 296,800.00 ZZ 360 296,512.91 1 6.150 1,808.19 80 5.900 1,808.19 POTOMAC MD 20854 1 11/22/02 00 0435114798 09 01/01/03 0 BEJARANO2 O 12/01/32 0 8278543 F89/G02 F 97,500.00 ZZ 360 97,500.00 1 6.375 608.27 75 6.125 608.27 SUN CITY CA 92586 1 12/03/02 00 0435108139 03 02/01/03 0 24983 N 01/01/33 0 8278615 X81/G02 F 288,000.00 ZZ 360 288,000.00 1 6.990 1,914.14 80 6.740 1,914.14 ST PAUL MN 55108 5 12/11/02 00 0435047063 05 02/01/03 0 952779 O 01/01/33 0 8278625 W39/G02 F 153,450.00 ZZ 360 153,450.00 4 7.500 1,072.94 90 7.250 1,072.94 GRETNA LA 70056 1 12/09/02 01 0435115902 05 02/01/03 25 LA024292 N 01/01/33 0 8278653 W93/G02 F 97,600.00 ZZ 360 97,521.95 1 7.125 657.55 80 6.875 657.55 MILWAUKIE OR 97222 1 11/22/02 00 0435061908 05 01/01/03 0 37385304 O 12/01/32 0 1 8278655 N74/G02 F 209,000.00 ZZ 360 208,801.69 1 6.250 1,286.85 70 6.000 1,286.85 FREDERICKSBURG VA 22408 2 12/05/02 00 0435117163 05 01/10/03 0 0031283010 O 12/10/32 0 8278667 W93/G02 F 138,800.00 ZZ 360 138,680.49 1 6.750 900.26 80 6.500 900.26 CHANDLER AZ 85224 1 11/11/02 00 0435061213 03 01/01/03 0 35434794 O 12/01/32 0 8278669 X51/G02 F 337,600.00 ZZ 360 337,600.00 2 6.250 2,078.66 80 6.000 2,078.66 SACRAMENTO CA 95825 1 12/06/02 00 0435112438 05 02/01/03 0 R2054336 N 01/01/33 0 8278681 W39/G02 F 149,400.00 ZZ 360 149,400.00 4 7.500 1,044.63 90 7.250 1,044.63 GRETNA LA 70056 1 12/09/02 01 0435109822 05 02/01/03 25 LA024297 N 01/01/33 0 8278761 P09/G02 F 180,000.00 ZZ 360 180,000.00 1 6.250 1,108.29 69 6.000 1,108.29 ROCKVILLE MD 20853 5 12/11/02 00 0435107826 05 02/01/03 0 R0210604 O 01/01/33 0 8278801 X82/G02 F 330,000.00 ZZ 360 329,729.50 1 7.000 2,195.50 55 6.750 2,195.50 1 MCLEAN VA 22101 5 11/22/02 00 0435104112 05 01/01/03 0 843598 O 12/01/32 0 8278865 W40/G02 F 139,750.00 ZZ 360 139,750.00 1 7.375 965.22 88 7.125 965.22 KALAMAZOO MI 49009 5 12/03/02 01 0435102553 05 02/01/03 25 101013722 O 01/01/33 0 8278947 X51/G02 F 417,000.00 ZZ 360 417,000.00 1 6.125 2,533.74 72 5.875 2,533.74 ESTACADA OR 97023 5 11/26/02 00 0435112743 05 02/01/03 0 R2054105 O 01/01/33 0 8278969 408/G02 F 83,250.00 ZZ 360 83,178.32 2 6.750 539.96 75 6.500 539.96 BLUE SPRINGS MO 64014 5 11/27/02 00 0435107503 05 01/01/03 0 703031082 N 12/01/32 0 8279013 408/G02 F 93,400.00 ZZ 360 93,319.59 2 6.750 605.79 69 6.500 605.79 BLUE SPRINGS MO 64015 5 11/27/02 00 0435107586 05 01/01/03 0 703031088 N 12/01/32 0 8279037 408/G02 F 94,150.00 ZZ 360 94,068.93 2 6.750 610.66 69 6.500 610.66 BLUE SPRINGS MO 64014 5 11/27/02 00 0435107511 05 01/01/03 0 703031086 N 12/01/32 0 1 8279043 F36/G02 F 130,500.00 ZZ 360 130,384.86 1 6.625 835.61 90 6.375 835.61 OLYMPIAD WA 98502 1 11/25/02 14 0435106216 05 01/01/03 25 06405522 O 12/01/32 0 8279101 W93/G02 F 113,600.00 ZZ 360 113,494.78 1 6.375 708.72 80 6.125 708.72 BELLINGHAM WA 98226 1 11/21/02 00 0435069901 05 01/01/03 0 05431635/PG O 12/01/32 0 8279135 F36/G02 F 110,050.00 ZZ 360 109,948.07 1 6.375 686.57 80 6.125 686.57 SUMNER WA 98390 1 11/20/02 00 0435106117 05 01/01/03 0 06405375 O 12/01/32 0 8279375 N74/G02 F 61,750.00 ZZ 360 61,698.13 1 6.875 405.65 95 6.625 405.65 POCOLA OK 74902 1 12/02/02 10 0435141825 05 01/02/03 30 0031266010 O 12/02/32 0 8279389 N74/G02 F 170,000.00 ZZ 360 169,846.31 1 6.500 1,074.52 78 6.250 1,074.52 SAN BENITO TX 78586 5 11/25/02 00 0435157458 05 01/02/03 0 0031205010 O 12/02/32 0 8279499 356/G02 F 219,500.00 ZZ 360 219,306.33 1 1 6.625 1,405.49 69 6.375 1,405.49 PALM DESERT CA 92211 2 11/10/02 00 0435103296 03 01/01/03 0 2996890 N 12/01/32 0 8279773 E82/G02 F 123,400.00 ZZ 360 123,400.00 4 6.500 779.97 69 6.250 779.97 SAVANNAH GA 31406 2 12/13/02 00 0400747168 05 02/01/03 0 1830452 N 01/01/33 0 8279775 E82/G02 F 123,200.00 ZZ 360 123,200.00 4 6.500 778.71 69 6.250 778.71 SAVANNAH GA 31406 2 12/13/02 00 0400747150 05 02/01/03 0 1716309 N 01/01/33 0 8279777 E82/G02 F 123,100.00 ZZ 360 123,100.00 4 6.500 778.08 69 6.250 778.08 SAVANNAH GA 31406 2 12/13/02 00 0400747143 05 02/01/03 0 1796310 N 01/01/33 0 8279785 E82/G02 F 108,000.00 ZZ 360 108,000.00 4 6.375 673.78 42 6.125 673.78 GREELEY CO 80631 2 12/10/02 00 0400743530 05 02/01/03 0 5419909 O 01/01/33 0 8279807 E82/G02 F 92,000.00 ZZ 360 92,000.00 1 6.375 573.96 58 6.125 573.96 PEABODY MA 01960 5 12/11/02 00 0400722005 01 02/01/03 0 1 0400722005 O 01/01/33 0 8279819 E82/G02 F 118,000.00 ZZ 360 118,000.00 1 6.500 745.84 66 6.250 745.84 SAVANNAH GA 31406 2 12/13/02 00 0400747101 05 02/01/03 0 1886709 N 01/01/33 0 8279933 X51/G02 F 420,000.00 ZZ 360 420,000.00 1 6.500 2,654.69 75 6.250 2,654.69 PACIFIC GROVE CA 93950 5 12/05/02 00 0435123716 05 02/01/03 0 R2054204 O 01/01/33 0 8279971 A06/G02 F 97,600.00 ZZ 360 97,513.88 1 6.625 624.95 80 6.375 624.95 PORT HURON MI 48060 5 11/25/02 00 0435114392 05 01/01/03 0 021000020225510 O 12/01/32 0 8279983 E85/G02 F 250,000.00 ZZ 360 250,000.00 1 6.000 1,498.88 36 5.750 1,498.88 SAN FRANCISCO CA 94114 2 12/01/02 00 0435063300 01 02/01/03 0 1001551 O 01/01/33 0 8280043 E22/G02 F 408,000.00 ZZ 360 408,000.00 1 6.375 2,545.39 80 6.125 2,545.39 CULVER CITY CA 90232 5 12/06/02 00 0415536572 05 02/01/03 0 0415536572 O 01/01/33 0 1 8280051 E22/G02 F 198,000.00 ZZ 360 198,000.00 1 6.500 1,251.49 74 6.250 1,251.49 RANCHO CUCAMONG CA 91701 5 12/03/02 00 0415558568 05 02/01/03 0 0415558568 O 01/01/33 0 8280065 E22/G02 F 324,000.00 ZZ 360 324,000.00 1 6.375 2,021.34 80 6.125 2,021.34 SAN JOSE CA 95118 1 12/04/02 00 0415580414 05 02/01/03 0 0415580414 O 01/01/33 0 8280071 E22/G02 F 155,000.00 T 360 155,000.00 1 6.625 992.48 74 6.375 992.48 WINTHROP WA 98862 2 12/09/02 00 0415586866 05 02/01/03 0 0415586866 O 01/01/33 0 8280079 E22/G02 F 399,000.00 ZZ 360 399,000.00 1 6.500 2,521.95 70 6.250 2,521.95 LITTLETON CO 80123 1 12/12/02 00 0415595933 03 02/01/03 0 0415595933 O 01/01/33 0 8280089 E22/G02 F 114,300.00 ZZ 360 114,300.00 1 7.500 799.20 90 7.250 799.20 CLINTON TOWNSHI MI 48036 1 12/12/02 04 0415600543 05 02/01/03 30 0415600543 O 01/01/33 0 8280091 E22/G02 F 31,500.00 ZZ 360 31,500.00 1 7.125 212.22 90 6.875 212.22 1 TOLEDO OH 43605 1 12/12/02 11 0415601517 05 02/01/03 25 0415601517 N 01/01/33 0 8280095 E22/G02 F 103,200.00 ZZ 360 103,200.00 1 6.500 652.29 80 6.250 652.29 CLEARFIELD UT 84015 1 12/09/02 00 0415601939 05 02/01/03 0 0415601939 N 01/01/33 0 8280097 E22/G02 F 327,500.00 ZZ 360 327,500.00 1 6.375 2,043.17 95 6.125 2,043.17 MADISON AL 35749 1 12/12/02 10 0415602671 05 02/01/03 35 0415602671 O 01/01/33 0 8280103 E22/G02 F 140,000.00 ZZ 360 140,000.00 1 6.250 862.00 59 6.000 862.00 ST CHARLES MO 63385 1 12/12/02 00 0415625060 03 02/01/03 0 0415625060 O 01/01/33 0 8280105 E22/G02 F 256,000.00 ZZ 360 256,000.00 1 6.500 1,618.09 80 6.250 1,618.09 SANTEE CA 92071 5 12/06/02 00 0415626217 05 02/01/03 0 0415626217 O 01/01/33 0 8280109 E22/G02 F 70,000.00 ZZ 360 70,000.00 1 6.625 448.22 29 6.375 448.22 YORBA LINDA CA 92887 5 12/05/02 00 0415627991 01 02/01/03 0 0415627991 O 01/01/33 0 1 8280135 E22/G02 F 79,650.00 ZZ 360 79,650.00 1 7.250 543.35 90 7.000 543.35 WARSAW OH 43844 1 12/12/02 01 0415655281 05 02/01/03 30 0415655281 O 01/01/33 0 8280141 E22/G02 F 79,200.00 ZZ 360 79,200.00 4 7.000 526.92 90 6.750 526.92 KANSAS CITY MO 64123 1 12/12/02 04 0415667914 05 02/01/03 25 0415667914 N 01/01/33 0 8280143 E22/G02 F 84,435.00 ZZ 360 84,435.00 1 6.500 533.69 65 6.250 533.69 BRANSON MO 65616 2 12/11/02 00 0415681741 05 02/01/03 0 0415681741 N 01/01/33 0 8280145 E22/G02 F 84,435.00 ZZ 360 84,435.00 1 6.500 533.69 65 6.250 533.69 BRANSON MO 65616 2 12/11/02 00 0415682780 05 02/01/03 0 0415682780 N 01/01/33 0 8280153 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.375 1,247.74 80 6.125 1,247.74 STOCKTON CA 95212 2 11/27/02 00 0415096494 05 02/01/03 0 0415096494 O 01/01/33 0 8280171 E22/G02 F 207,500.00 ZZ 360 207,500.00 4 1 7.625 1,468.67 79 7.375 1,468.67 SALT LAKE CITY UT 84115 2 12/09/02 00 0415354745 05 02/01/03 0 0415354745 N 01/01/33 0 8280179 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 6.750 648.60 75 6.500 648.60 BEND OR 97707 2 12/02/02 00 0415361575 03 02/01/03 0 0415361575 N 01/01/33 0 8280195 E22/G02 F 169,800.00 ZZ 360 169,800.00 1 6.250 1,045.49 62 6.000 1,045.49 ANAHEIM CA 92801 5 12/05/02 00 0415399344 05 02/01/03 0 0415399344 O 01/01/33 0 8280197 E22/G02 F 299,000.00 ZZ 360 298,723.07 1 6.375 1,865.37 60 6.125 1,865.37 MINDEN NV 89423 5 12/01/02 00 0415411651 05 01/01/03 0 0415411651 O 12/01/32 0 8280221 E85/G02 F 557,000.00 ZZ 360 556,496.46 2 6.500 3,520.62 65 6.250 3,520.62 SAN FRANCISCO CA 94107 2 11/21/02 00 0435063904 05 01/01/03 0 9616699 O 12/01/32 0 8280223 E22/G02 F 266,250.00 ZZ 360 266,004.31 1 6.500 1,682.88 75 6.250 1,682.88 LA (WEST HILLS) CA 91304 1 12/02/02 00 0415464593 05 01/01/03 0 1 0415464593 N 12/01/32 0 8280227 E22/G02 F 240,000.00 ZZ 360 240,000.00 1 6.500 1,516.96 80 6.250 1,516.96 SANTA ROSA BEAC FL 32459 2 12/06/02 00 0415466606 05 02/01/03 0 0415466606 O 01/01/33 0 8280245 825/G02 F 450,000.00 ZZ 360 450,000.00 1 6.500 2,844.31 75 6.250 2,844.31 TRACY CA 95304 5 12/06/02 00 0435126438 05 02/01/03 0 50451 O 01/01/33 0 8280301 N74/G02 F 112,000.00 ZZ 360 111,898.75 1 6.500 707.92 80 6.250 707.92 STANLEY NC 28164 5 12/06/02 00 0435135454 05 01/11/03 0 0031297010 O 12/11/32 0 8280341 N74/G02 F 90,400.00 ZZ 360 90,400.00 1 6.375 563.98 80 6.125 563.98 HOUSTON TX 77099 5 12/06/02 00 0435183017 03 02/01/03 0 0031179010 O 01/01/33 0 8280363 X51/G02 F 337,600.00 ZZ 360 337,600.00 4 6.250 2,078.66 80 6.000 2,078.66 SACRAMENTO CA 95825 1 12/06/02 00 0435122320 05 02/01/03 0 R2054316 N 01/01/33 0 1 8280399 E85/G02 F 300,000.00 ZZ 360 299,694.14 1 5.875 1,774.61 66 5.625 1,774.61 NAVARRO CA 95463 2 11/26/02 00 0435064431 05 01/01/03 0 96116608 O 12/01/32 0 8280565 E76/G02 F 157,165.00 ZZ 360 157,165.00 1 7.000 1,045.62 85 6.750 1,045.62 FORT COLLINS CO 80524 1 12/02/02 04 0435107453 03 02/01/03 12 10018798 O 01/01/33 0 8280917 M27/G02 F 207,200.00 ZZ 360 207,200.00 1 6.125 1,258.97 80 5.875 1,258.97 FORT MILL SC 29708 1 12/06/02 00 0435127774 03 02/01/03 0 0100083157 O 01/01/33 0 8281311 E86/G02 F 420,000.00 ZZ 360 419,620.31 1 6.500 2,654.69 78 6.250 2,654.69 DANBURY CT 06811 5 11/22/02 00 0435117593 05 01/01/03 0 232394 O 12/01/32 0 8281477 W30/G02 F 201,600.00 ZZ 360 201,600.00 1 7.250 1,375.27 80 7.000 1,375.27 HASHUA NH 03062 5 12/06/02 00 0435129085 05 02/01/03 0 96132601 O 01/01/33 0 8281493 X72/G02 F 193,300.00 ZZ 360 193,300.00 1 6.500 1,221.79 88 6.250 1,221.79 1 DENVER CO 80232 2 12/06/02 01 0435119946 05 02/01/03 25 11002692 O 01/01/33 0 8281747 G34/G02 F 128,000.00 ZZ 360 127,887.07 1 6.625 819.60 80 6.375 819.60 YAKIMA WA 98908 1 11/22/02 00 0435118625 05 01/01/03 0 48000303 O 12/01/32 0 8281751 Q49/G02 F 86,500.00 ZZ 360 86,500.00 1 7.625 612.24 90 7.375 612.24 TRENTON NJ 08611 1 12/06/02 01 0435132568 05 02/01/03 25 30108102 N 01/01/33 0 8281755 X82/G02 F 379,100.00 ZZ 360 379,100.00 1 6.625 2,427.42 80 6.375 2,427.42 ROCKVILLE MD 20850 1 12/06/02 00 0435066808 09 02/01/03 0 821050 N 01/01/33 0 8281833 E57/G02 F 153,000.00 ZZ 360 153,000.00 1 7.375 1,056.73 75 7.125 1,056.73 LOS ANGELES CA 91331 5 12/03/02 00 0435126578 05 02/01/03 0 06012148 N 01/01/33 0 8281935 738/G02 F 83,000.00 ZZ 360 83,000.00 1 6.750 538.34 55 6.500 538.34 COLUMBUS GA 31906 2 11/26/02 00 0435065396 05 02/01/03 0 40602750 O 01/01/33 0 1 8281943 738/G02 F 104,000.00 ZZ 360 104,000.00 1 6.625 665.93 39 6.375 665.93 NORTH BAY VILLA FL 33141 2 11/26/02 00 0435107529 05 02/01/03 0 40726940 O 01/01/33 0 8281985 L33/G02 F 152,000.00 ZZ 360 151,881.42 1 7.250 1,036.91 78 7.000 1,036.91 LAS VEGAS NV 89123 2 11/19/02 00 0435117262 05 01/01/03 0 2703370 N 12/01/32 0 8281989 E47/G02 F 502,400.00 ZZ 360 501,945.82 1 6.500 3,175.51 80 6.250 3,175.51 FREMONT CA 94539 1 11/22/02 00 0435114749 05 01/01/03 0 7359512411 O 12/01/32 0 8282313 W68/G02 F 204,000.00 ZZ 360 203,828.62 1 6.875 1,340.13 80 6.625 1,340.13 HOUSTON TX 77059 5 11/14/02 00 0435141981 03 01/01/03 0 32677 O 12/01/32 0 8282425 U05/G02 F 400,000.00 ZZ 360 399,629.52 1 6.375 2,495.48 64 6.125 2,495.48 OAKLAND CA 94618 5 11/20/02 00 0435164405 05 01/01/03 0 3273925 O 12/01/32 0 8282459 E85/G02 F 310,000.00 ZZ 360 309,719.76 1 1 6.500 1,959.41 29 6.250 1,959.41 NOVATO CA 94949 5 11/25/02 00 0435063615 05 01/01/03 0 9616721 O 12/01/32 0 8282517 A06/G02 F 96,200.00 ZZ 360 96,115.12 1 6.625 615.98 65 6.375 615.98 WATERFORD MI 48327 5 11/11/02 00 0435170758 05 01/01/03 0 035000020227518 O 12/01/32 0 8282533 E45/G02 F 507,000.00 ZZ 360 506,102.89 1 6.625 3,246.38 78 6.375 3,246.38 SAN DIEGO CA 92120 5 10/07/02 00 0435141692 05 12/01/02 0 277219 O 11/01/32 0 8282781 964/G02 F 450,000.00 ZZ 360 449,562.63 1 6.125 2,734.25 75 5.875 2,734.25 SHORELINE WA 98177 5 11/01/02 00 0435076591 03 01/01/03 0 282173 O 12/01/32 0 8282835 286/286 F 127,968.00 ZZ 360 127,849.47 1 6.375 798.36 75 6.125 798.36 SACRAMENTO CA 95842 1 11/19/02 00 1779717 05 01/01/03 0 1779717 N 12/01/32 0 8282847 286/286 F 152,000.00 ZZ 360 151,724.42 1 6.500 960.75 80 6.250 960.75 DENVER CO 80221 2 10/24/02 00 1729827 05 12/01/02 0 1 1729827 N 11/01/32 0 8282853 286/286 F 52,000.00 ZZ 360 51,918.61 1 7.250 354.74 80 7.000 354.74 HARTFORD CITY IN 47348 5 11/01/02 00 1745656 05 12/01/02 0 1745656 N 11/01/32 0 8282859 286/286 F 166,500.00 ZZ 360 166,252.08 1 7.500 1,164.20 90 7.250 1,164.20 DES MOINES WA 98198 1 10/31/02 10 1696536 05 12/01/02 25 1696536 N 11/01/32 0 8282867 286/286 F 157,500.00 ZZ 360 157,357.62 1 6.500 995.51 75 6.250 995.51 CORPUS CHRISTI TX 78413 5 11/25/02 00 814053 05 01/01/03 0 814053 N 12/01/32 0 8282873 286/286 F 82,500.00 ZZ 360 82,354.80 1 6.750 535.10 75 6.500 535.10 INDIANAPOLIS IN 46217 2 10/24/02 00 1694794 05 12/01/02 0 1694794 N 11/01/32 0 8282879 286/286 F 36,000.00 ZZ 360 35,560.39 1 7.375 248.65 80 7.125 248.65 HARTFORD CITY IN 47348 5 11/12/02 00 1764338 05 01/01/03 0 1764338 N 12/01/32 0 1 8282883 286/286 F 116,900.00 ZZ 360 116,688.07 1 6.500 738.89 90 6.250 738.89 LUSBY MD 20657 1 10/21/02 10 0001251930 05 12/01/02 25 0001251930 N 11/01/32 0 8282889 286/286 F 59,900.00 ZZ 360 59,847.15 1 6.625 383.55 80 6.375 383.55 NAMPA ID 83686 1 11/19/02 00 0001247137 05 01/01/03 0 0001247137 N 12/01/32 0 8282893 286/286 F 166,500.00 ZZ 360 166,226.24 1 7.000 1,107.73 90 6.750 1,107.73 TOWSON MD 21204 1 10/29/02 11 0001249769 05 12/01/02 25 0001249769 N 11/01/32 0 8282923 286/286 F 149,400.00 ZZ 360 149,160.33 1 7.125 1,006.54 90 6.875 1,006.54 SCOTTSDALE AZ 85260 1 10/17/02 10 1675595 01 12/01/02 25 1675595 N 11/01/32 0 8282925 286/286 F 52,000.00 ZZ 360 51,920.60 1 7.375 359.16 79 7.125 359.16 LEXINGTON KY 40505 2 10/07/02 00 1559726 05 12/01/02 0 1559726 N 11/01/32 0 8282933 286/286 F 100,000.00 ZZ 360 99,818.71 1 6.500 632.07 80 6.250 632.07 1 WEST PALM BEACH FL 33407 1 10/21/02 00 1632724 05 12/01/02 0 1632724 N 11/01/32 0 8282935 286/286 F 30,000.00 ZZ 360 29,908.93 1 6.875 197.08 75 6.625 197.08 LANSING NC 28643 1 09/17/02 00 1498968 05 11/01/02 0 1498968 N 10/01/32 0 8282971 E47/G02 F 332,000.00 ZZ 360 331,692.50 1 6.375 2,071.25 80 6.125 2,071.25 CORONA CA 92881 1 11/26/02 00 0435114707 03 01/01/03 0 7331014698 O 12/01/32 0 8283015 286/286 F 73,800.00 ZZ 360 73,630.49 1 7.375 509.72 90 7.125 509.72 KEANSBURG NJ 07734 1 09/26/02 12 1028686 05 11/01/02 25 1028686 N 10/01/32 0 8283019 286/286 F 106,200.00 ZZ 360 106,037.88 1 7.375 733.50 90 7.125 733.50 KEANSBURG NJ 07734 1 10/24/02 04 1546389 05 12/01/02 25 1546389 N 11/01/32 0 8283029 286/286 F 72,000.00 ZZ 360 71,803.67 1 6.500 455.09 80 6.250 455.09 MIAMI FL 33138 1 09/30/02 00 1502126 05 11/01/02 0 1502126 N 10/01/32 0 1 8283049 286/286 F 147,500.00 ZZ 360 147,035.56 2 7.250 1,006.21 75 7.000 1,006.21 NEW ORLEANS LA 70118 5 09/05/02 00 1468108 05 10/01/02 0 1468108 N 09/01/32 0 8283053 286/286 F 97,200.00 ZZ 360 97,032.15 1 6.750 630.44 80 6.500 630.44 LEVITTOWN PA 19055 2 10/01/02 00 1508836 05 12/01/02 0 1508836 N 11/01/32 0 8283057 286/286 F 77,200.00 ZZ 360 77,079.17 1 7.250 526.65 80 7.000 526.65 LANCASTER OH 43130 1 10/23/02 00 1653015 05 12/01/02 0 1653015 N 11/01/32 0 8283067 286/286 F 67,000.00 ZZ 360 66,830.14 1 6.875 440.15 80 6.625 440.15 BARBERTON OH 44203 2 09/27/02 00 1563255 05 11/01/02 0 1563255 N 10/01/32 0 8283073 286/286 F 123,750.00 ZZ 360 123,561.08 1 7.375 854.72 75 7.125 854.72 SILVER SPRING MD 20910 5 10/10/02 00 1404898 01 12/01/02 0 1404898 N 11/01/32 0 8283081 286/286 F 160,000.00 ZZ 360 159,695.57 1 1 6.250 985.15 79 6.000 985.15 DENVER CO 80234 2 10/25/02 00 1684902 05 12/01/02 0 1684902 N 11/01/32 0 8283093 286/286 F 49,500.00 ZZ 360 49,380.51 1 7.125 333.50 90 6.875 333.50 MAYS LANDING NJ 08330 1 09/27/02 11 1605443 01 11/01/02 25 1605443 N 10/01/32 0 8283101 286/286 F 121,400.00 ZZ 360 121,195.42 1 6.875 797.52 90 6.625 797.52 WESTERVILLE OH 43081 1 10/04/02 10 1619680 05 12/01/02 25 1619680 N 11/01/32 0 8283105 286/286 F 76,500.00 ZZ 360 76,371.07 2 6.875 502.56 90 6.625 502.56 CHATTANOOGA TN 37412 1 10/16/02 11 1576952 05 12/01/02 25 1576952 N 11/01/32 0 8283109 286/286 F 148,410.00 ZZ 360 148,165.98 1 7.000 987.38 90 6.750 987.38 DENVER CO 80219 1 10/11/02 10 1643535 05 12/01/02 25 1643535 N 11/01/32 0 8283113 286/286 F 110,250.00 ZZ 360 109,963.63 1 6.750 715.08 75 6.500 715.08 ARVADA CO 80003 5 09/10/02 00 1487852 03 11/01/02 0 1 1487852 N 10/01/32 0 8283117 286/286 F 107,250.00 ZZ 360 106,971.39 1 6.750 695.63 75 6.500 695.63 AURORA CO 80012 2 09/10/02 00 1487945 03 11/01/02 0 1487945 N 10/01/32 0 8283125 286/286 F 115,550.00 ZZ 360 115,335.37 1 6.375 720.89 80 6.125 720.89 MARLTON NJ 08053 1 10/25/02 00 1090130 01 12/01/02 0 1090130 N 11/01/32 0 8283129 286/286 F 84,150.00 ZZ 360 84,011.62 1 7.000 559.86 90 6.750 559.86 BLOOMINGTON IL 61701 1 10/01/02 10 1520722 05 12/01/02 25 1520722 N 11/01/32 0 8283133 286/286 F 81,900.00 ZZ 360 81,761.98 2 6.875 538.03 90 6.625 538.03 LARGO FL 33771 1 10/25/02 14 1661037 05 12/01/02 25 1661037 N 11/01/32 0 8283141 286/286 F 114,000.00 ZZ 360 113,807.91 1 6.875 748.90 80 6.625 748.90 RIVERDALE MD 20737 1 10/15/02 00 1609498 05 12/01/02 0 1609498 N 11/01/32 0 1 8283149 286/286 F 60,000.00 ZZ 360 59,850.50 1 6.375 374.33 80 6.125 374.33 SILVER SPRING MD 20910 1 10/09/02 00 1653135 01 12/01/02 0 1653135 N 11/01/32 0 8283157 286/286 F 66,700.00 ZZ 360 66,530.92 1 6.875 438.17 75 6.625 438.17 FORT WAYNE IN 46835 2 10/02/02 00 1543162 05 11/01/02 0 1543162 N 10/01/32 0 8283161 286/286 F 104,000.00 ZZ 360 103,811.43 2 6.500 657.36 80 6.250 657.36 LAWRENCEVILLE GA 30045 1 10/31/02 00 1648752 05 12/01/02 0 1648752 N 11/01/32 0 8283167 286/286 F 55,200.00 ZZ 360 54,899.37 1 6.500 348.91 80 6.250 348.91 VA BEACH VA 23456 1 10/28/02 00 1714079 01 12/01/02 0 1714079 N 11/01/32 0 8283173 286/286 F 120,000.00 ZZ 360 119,648.81 2 6.625 768.38 75 6.375 768.38 SANDY OR 97055 5 09/25/02 00 1613578 05 11/01/02 0 1613578 N 10/01/32 0 8283175 286/286 F 57,500.00 ZZ 360 57,407.08 1 7.125 387.39 79 6.875 387.39 1 BALTIMORE MD 21206 2 10/23/02 00 1648548 05 12/01/02 0 1648548 N 11/01/32 0 8283185 286/286 F 147,600.00 ZZ 360 147,351.28 2 6.875 969.63 90 6.625 969.63 PITTSBURGH PA 15228 1 10/18/02 12 1609652 05 12/01/02 25 1609652 N 11/01/32 0 8283199 286/286 F 75,000.00 ZZ 360 74,611.45 1 6.500 474.06 75 6.250 474.06 LOUISVILLE OH 44641 5 10/21/02 00 1583281 05 12/01/02 0 1583281 N 11/01/32 0 8283203 286/286 F 115,450.00 ZZ 360 115,245.72 1 6.625 739.24 75 6.375 739.24 FREDERICK MD 21701 5 10/17/02 00 1611849 05 12/01/02 0 1611849 N 11/01/32 0 8283207 286/286 F 99,000.00 ZZ 360 98,761.08 1 7.125 666.98 90 6.875 666.98 FISHERS IN 46038 1 09/13/02 14 1502083 05 11/01/02 25 1502083 N 10/01/32 0 8283209 286/286 F 93,000.00 ZZ 360 92,764.23 1 6.875 610.95 75 6.625 610.95 KANSAS CITY MO 64152 2 09/27/02 00 1527571 05 11/01/02 0 1527571 N 10/01/32 0 1 8283211 286/286 F 117,000.00 ZZ 360 116,782.69 1 6.375 729.93 90 6.125 729.93 TEMPE AZ 85283 1 10/22/02 11 1584366 05 12/01/02 25 1584366 N 11/01/32 0 8283213 286/286 F 98,850.00 ZZ 360 98,675.08 1 6.625 632.95 75 6.375 632.95 BLACKSBURG VA 24060 5 10/28/02 00 1640066 03 12/01/02 0 1640066 N 11/01/32 0 8283217 286/286 F 118,800.00 ZZ 360 118,609.43 2 7.125 800.38 77 6.875 800.38 ABINGTON PA 19001 2 10/08/02 00 1572645 05 12/01/02 0 1572645 N 11/01/32 0 8283221 286/286 F 132,400.00 ZZ 360 132,154.08 1 6.375 826.01 80 6.125 826.01 WALDORF MD 20601 1 10/21/02 00 1639688 05 12/01/02 0 1639688 N 11/01/32 0 8283227 286/286 F 88,000.00 ZZ 360 87,858.82 1 7.125 592.88 80 6.875 592.88 LOCKPORT IL 60441 1 10/04/02 00 1557062 05 12/01/02 0 1557062 N 11/01/32 0 8283229 286/286 F 58,800.00 ZZ 360 58,693.39 1 1 6.500 371.66 80 6.250 371.66 LAKE ARROWHEAD CA 92352 1 10/09/02 00 1632909 05 12/01/02 0 1632909 N 11/01/32 0 8283231 286/286 F 100,000.00 ZZ 360 99,809.73 1 6.250 615.72 80 6.000 615.72 VIRGINIA BEACH VA 23464 1 10/25/02 00 1654170 05 12/01/02 0 1654170 N 11/01/32 0 8283233 286/286 F 65,600.00 ZZ 360 65,481.06 1 6.500 414.64 80 6.250 414.64 DELTONA FL 32725 5 10/22/02 00 1665688 05 12/01/02 0 1665688 N 11/01/32 0 8283235 286/286 F 117,000.00 ZZ 360 116,821.38 1 7.375 808.09 90 7.125 808.09 UNIONTOWN OH 44685 1 10/18/02 10 1579870 05 12/01/02 25 1579870 N 11/01/32 0 8283237 286/286 F 120,000.00 ZZ 360 119,771.67 1 6.250 738.87 80 6.000 738.87 PORTLAND OR 97236 1 10/10/02 00 1640648 05 12/01/02 0 1640648 N 11/01/32 0 8283239 286/286 F 78,750.00 ZZ 360 78,603.73 1 6.375 491.30 75 6.125 491.30 ALBUQUERQUE NM 87110 1 10/18/02 00 1649154 05 12/01/02 0 1 1649154 N 11/01/32 0 8283243 286/286 F 200,800.00 ZZ 360 200,278.41 1 6.750 1,302.39 80 6.500 1,302.39 COLLEGE PARK MD 20740 1 09/27/02 00 1565306 05 11/01/02 0 1565306 N 10/01/32 0 8283249 286/286 F 200,000.00 ZZ 360 199,637.40 1 6.500 1,264.14 80 6.250 1,264.14 ARLINGTON VA 22201 2 10/24/02 00 1662154 01 12/01/02 0 1662154 N 11/01/32 0 8283251 286/286 F 204,000.00 ZZ 360 203,621.10 2 6.375 1,272.70 80 6.125 1,272.70 SACRAMENTO CA 95821 1 10/02/02 00 1587778 05 12/01/02 0 1587778 N 11/01/32 0 8283253 286/286 F 162,000.00 ZZ 360 161,409.54 1 7.250 1,105.13 90 7.000 1,105.13 PLANT CITY FL 33565 1 09/18/02 12 1457109 05 11/01/02 25 1457109 N 10/01/32 0 8283255 286/286 F 58,950.00 ZZ 360 58,843.11 2 6.500 372.61 77 6.250 372.61 ROANOKE VA 24016 5 10/24/02 00 1635884 05 12/01/02 0 1635884 N 11/01/32 0 1 8283263 286/286 F 68,000.00 ZZ 360 67,837.18 1 6.875 446.72 80 6.625 446.72 TOLEDO OH 43623 5 10/21/02 00 1545586 05 12/01/02 0 1545586 N 11/01/32 0 8283265 286/286 F 157,500.00 ZZ 360 157,016.16 4 7.375 1,087.82 88 7.125 1,087.82 COVENTRY RI 02816 2 08/19/02 12 1342823 05 10/01/02 25 1342823 N 09/01/32 0 8283267 286/286 F 87,500.00 ZZ 360 87,283.58 3 7.000 582.14 75 6.750 582.14 PHOENIX AZ 85040 2 10/01/02 00 1485125 05 11/01/02 0 1485125 N 10/01/32 0 8283273 286/286 F 39,200.00 ZZ 360 39,141.62 1 7.500 274.10 80 7.250 274.10 PINEVILLE LA 71360 2 10/07/02 00 1463417 05 12/01/02 0 1463417 N 11/01/32 0 8283275 286/286 F 248,000.00 ZZ 360 247,630.73 1 7.500 1,734.06 80 7.250 1,734.06 POMPTON LAKES NJ 07442 1 10/28/02 00 1703505 05 12/01/02 0 1703505 N 11/01/32 0 8283277 286/286 F 88,000.00 ZZ 360 87,832.55 1 6.250 541.84 80 6.000 541.84 1 BUCKHEAD GA 30625 1 10/18/02 00 1632992 05 12/01/02 0 1632992 N 11/01/32 0 8283283 286/286 F 112,500.00 ZZ 360 112,315.02 1 7.000 748.47 90 6.750 748.47 BRICK NJ 08723 1 10/31/02 10 1708459 05 12/01/02 25 1708459 N 11/01/32 0 8283285 286/286 F 96,000.00 ZZ 360 95,768.32 1 7.125 646.77 80 6.875 646.77 CHARLOTTE NC 28262 5 09/23/02 00 1544445 05 11/01/02 0 1544445 N 10/01/32 0 8283305 286/286 F 70,500.00 ZZ 360 70,355.25 1 6.750 457.27 75 6.500 457.27 SAN ANTONIO TX 78247 2 10/16/02 00 1521911 05 12/01/02 0 1521911 N 11/01/32 0 8283307 286/286 F 37,600.00 ZZ 360 37,396.93 1 6.500 237.66 75 6.250 237.66 ANDERSON IN 46016 5 09/30/02 00 1541273 05 11/01/02 0 1541273 N 10/01/32 0 8283311 286/286 F 68,400.00 ZZ 360 68,287.53 1 7.000 455.07 90 6.750 455.07 NEW CARLISE OH 45344 1 10/15/02 10 1601360 05 12/01/02 25 1601360 N 11/01/32 0 1 8283313 286/286 F 145,800.00 ZZ 360 145,571.83 1 7.250 994.62 90 7.000 994.62 WASHINGTON DC 20011 1 10/10/02 11 1636377 05 12/01/02 25 1636377 N 11/01/32 0 8283315 286/286 F 59,200.00 ZZ 360 59,092.67 1 6.500 374.19 80 6.250 374.19 TAMPA FL 33617 1 10/16/02 00 1665108 01 12/01/02 0 1665108 N 11/01/32 0 8283317 286/286 F 100,120.00 ZZ 360 99,938.49 1 6.500 632.83 80 6.250 632.83 N HUDSON WI 54016 1 10/15/02 00 1619055 01 12/01/02 0 1619055 N 11/01/32 0 8283321 286/286 F 40,500.00 ZZ 360 40,438.17 1 7.375 279.73 90 7.125 279.73 LOS ANGELES CA 90008 1 10/02/02 14 1549048 01 12/01/02 25 1549048 N 11/01/32 0 8283327 286/286 F 159,200.00 ZZ 360 158,786.47 1 6.750 1,032.57 76 6.500 1,032.57 TUCSON AZ 85716 2 09/06/02 00 1535132 05 11/01/02 0 1535132 N 10/01/32 0 8283329 286/286 F 70,000.00 ZZ 360 69,895.76 1 1 7.500 489.46 78 7.250 489.46 PHOENIX AZ 85033 1 10/28/02 00 1489876 05 12/01/02 0 1489876 N 11/01/32 0 8283377 286/286 F 70,400.00 ZZ 360 70,297.76 1 7.625 498.29 80 7.375 498.29 ANDERSON IN 46013 2 10/16/02 00 1552431 05 12/01/02 0 1552431 N 11/01/32 0 8283381 286/286 F 71,920.00 ZZ 360 71,815.55 1 7.625 509.05 79 7.375 509.05 ANDERSON IN 46013 2 10/16/02 00 1552607 05 12/01/02 0 1552607 N 11/01/32 0 8283383 286/286 F 94,400.00 ZZ 360 94,136.29 1 6.375 588.94 80 6.125 588.94 SUMMERVILLE SC 29483 5 09/27/02 00 1552162 05 11/01/02 0 1552162 N 10/01/32 0 8283385 286/286 F 183,750.00 ZZ 360 183,416.86 1 6.500 1,161.43 75 6.250 1,161.43 LAS VEGAS NV 89117 5 10/21/02 00 1019367 05 12/01/02 0 1019367 N 11/01/32 0 8283387 286/286 F 64,050.00 ZZ 360 63,887.61 1 6.875 420.77 90 6.625 420.77 DAYTON OH 45420 1 10/04/02 10 1609350 05 11/01/02 25 1 1609350 N 10/01/32 0 8283391 286/286 F 156,000.00 ZZ 360 155,717.18 1 6.500 986.03 79 6.250 986.03 ROCKWALL TX 75087 2 10/18/02 00 1617751 05 12/01/02 0 1617751 N 11/01/32 0 8283397 286/286 F 75,600.00 ZZ 360 75,430.62 1 7.500 528.61 90 7.250 528.61 ALEXANDRIA VA 22312 1 09/30/02 11 1501236 01 11/01/02 25 1501236 N 10/01/32 0 8283399 286/286 F 37,800.00 ZZ 360 37,731.64 1 7.625 267.55 90 7.375 267.55 BALTIMORE MD 21216 1 10/16/02 11 1589027 05 12/01/02 25 1589027 N 11/01/32 0 8283407 286/286 F 115,200.00 ZZ 360 115,005.87 2 6.875 756.79 90 6.625 756.79 TUCSON AZ 85705 1 10/25/02 11 1639349 05 12/01/02 25 1639349 N 11/01/32 0 8283409 286/286 F 124,800.00 ZZ 360 124,562.54 1 6.250 768.42 80 6.000 768.42 DENVER CO 80206 1 10/07/02 00 1479784 01 12/01/02 0 1479784 N 11/01/32 0 1 8283413 286/286 F 34,000.00 ZZ 360 33,911.67 1 6.750 220.53 80 6.500 220.53 OWENSBORO KY 42303 2 10/01/02 00 1449299 05 11/01/02 0 1449299 N 10/01/32 0 8283421 286/286 F 45,000.00 ZZ 360 44,924.17 1 6.875 295.62 75 6.625 295.62 NEW CASTLE IN 47362 5 10/04/02 00 1507054 05 12/01/02 0 1507054 N 11/01/32 0 8283427 286/286 F 68,000.00 ZZ 360 67,885.40 1 6.875 446.72 80 6.625 446.72 LAS CRUCES NM 88005 5 10/03/02 00 1611044 05 12/01/02 0 1611044 N 11/01/32 0 8283429 286/286 F 55,200.00 ZZ 360 55,106.97 1 6.875 362.63 80 6.625 362.63 LAS CRUCES NM 88003 5 10/03/02 00 1611049 05 12/01/02 0 1611049 N 11/01/32 0 8283433 P59/G02 F 162,000.00 ZZ 360 161,882.75 1 7.625 1,146.63 90 7.375 1,146.63 SANTA MARIA CA 93458 1 11/22/02 01 0435115571 05 01/01/03 35 AT004878 N 12/01/32 0 8283435 286/286 F 188,600.00 ZZ 360 188,073.17 4 6.375 1,176.62 80 6.125 1,176.62 1 MIAMI FL 33135 1 09/30/02 00 1600543 05 11/01/02 0 1600543 N 10/01/32 0 8283439 286/286 F 165,000.00 ZZ 360 164,550.09 1 6.500 1,042.91 75 6.250 1,042.91 COLD SPRING KY 41076 5 10/03/02 00 1479141 05 11/01/02 0 1479141 N 10/01/32 0 8283441 286/286 F 72,800.00 ZZ 360 72,601.48 1 6.500 460.15 80 6.250 460.15 COLORADO SPRING CO 80918 1 09/26/02 00 1555974 01 11/01/02 0 1555974 N 10/01/32 0 8283443 286/286 F 104,000.00 ZZ 360 103,811.45 1 6.500 657.36 80 6.250 657.36 TUCSON AZ 85719 1 10/04/02 00 1643850 05 12/01/02 0 1643850 N 11/01/32 0 8283445 286/286 F 85,270.00 ZZ 360 84,790.79 1 6.250 525.02 80 6.000 525.02 DALLAS GA 30157 1 08/01/02 00 1387204 05 09/01/02 0 1387204 N 08/01/32 0 8283447 286/286 F 46,620.00 ZZ 360 46,545.21 1 7.125 314.09 90 6.875 314.09 NEWPORT NEWS VA 23608 1 10/14/02 11 1511094 01 12/01/02 25 1511094 N 11/01/32 0 1 8283451 286/286 F 91,800.00 ZZ 309 91,582.18 1 6.875 634.54 75 6.625 634.54 GAHANNA OH 43230 2 10/17/02 00 1552696 05 12/01/02 0 1552696 N 08/01/28 0 8283453 286/286 F 96,700.00 ZZ 345 96,520.11 1 6.875 643.70 75 6.625 643.70 GAHANNA OH 43230 2 10/17/02 00 1554331 05 12/01/02 0 1554331 N 08/01/31 0 8283455 286/286 F 93,600.00 ZZ 354 93,435.93 1 6.875 618.05 80 6.625 618.05 GAHANNA OH 43230 2 10/17/02 00 1554335 05 12/01/02 0 1554335 N 05/01/32 0 8283469 286/286 F 88,000.00 ZZ 360 87,865.65 1 7.375 607.80 80 7.125 607.80 MISSION KS 66202 1 10/10/02 00 1627878 05 12/01/02 0 1627878 N 11/01/32 0 8283477 286/286 F 44,100.00 ZZ 360 44,034.32 1 7.500 308.36 90 7.250 308.36 RICHMOND VA 23222 1 10/04/02 10 1522386 05 12/01/02 25 1522386 N 11/01/32 0 8283487 286/286 F 215,350.00 ZZ 360 214,950.02 1 1 6.375 1,343.51 80 6.125 1,343.51 MARANA AZ 85653 1 10/01/02 00 1598611 03 12/01/02 0 1598611 N 11/01/32 0 8283489 286/286 F 60,750.00 ZZ 360 60,642.50 1 6.625 388.99 80 6.375 388.99 SUNCITY AZ 85351 5 10/09/02 00 1617390 05 12/01/02 0 1617390 N 11/01/32 0 8283499 286/286 F 103,200.00 ZZ 360 103,046.34 4 7.500 721.59 80 7.250 721.59 MIAMI FL 33165 1 10/16/02 00 1554169 05 12/01/02 0 1554169 N 11/01/32 0 8283507 286/286 F 173,500.00 ZZ 360 173,177.75 1 6.375 1,082.42 78 6.125 1,082.42 BIRMINGHAM MI 48009 2 10/17/02 00 1546352 05 12/01/02 0 1546352 N 11/01/32 0 8283531 286/286 F 85,900.00 ZZ 360 85,690.83 1 6.875 564.30 90 6.625 564.30 BOISE ID 83706 1 10/14/02 10 1607363 03 12/01/02 25 1607363 N 11/01/32 0 8283535 286/286 F 81,000.00 ZZ 360 80,143.94 1 6.875 532.12 90 6.625 532.12 BLOOMINGTON IL 61704 1 09/26/02 10 1560441 05 11/01/02 25 1 1560441 N 10/01/32 0 8283537 286/286 F 118,400.00 ZZ 360 118,200.47 2 6.875 777.81 80 6.625 777.81 ENFIELD CT 06082 5 10/16/02 00 1622796 05 12/01/02 0 1622796 N 11/01/32 0 8283545 286/286 F 236,000.00 ZZ 360 235,572.13 1 6.500 1,491.69 80 6.250 1,491.69 BOTHELL WA 98011 1 10/14/02 00 1663192 03 12/01/02 0 1663192 N 11/01/32 0 8283549 286/286 F 285,000.00 ZZ 360 284,395.16 1 6.625 1,824.89 75 6.375 1,824.89 KEY WEST FL 33040 5 10/08/02 00 1612557 05 12/01/02 0 1612557 N 11/01/32 0 8283551 286/286 F 84,000.00 ZZ 360 83,865.24 1 7.125 565.93 80 6.875 565.93 KING OF PRUSSIA PA 19406 1 10/04/02 00 1601399 05 12/01/02 0 1601399 N 11/01/32 0 8283553 286/286 F 236,000.00 ZZ 360 235,572.13 1 6.500 1,491.69 80 6.250 1,491.69 SAN RAMON CA 94583 5 10/07/02 00 1525723 01 12/01/02 0 1525723 N 11/01/32 0 1 8283563 286/286 F 130,000.00 ZZ 360 129,769.97 1 6.625 832.41 75 6.375 832.41 MINNEAPOLIS MN 55418 1 10/03/02 00 1555009 05 12/01/02 0 1555009 N 11/01/32 0 8283573 286/286 F 89,600.00 ZZ 360 89,372.87 1 6.875 588.61 80 6.625 588.61 MANSFIELD TX 76063 1 09/20/02 00 1592333 05 11/01/02 0 1592333 N 10/01/32 0 8283589 286/286 F 77,400.00 ZZ 360 77,203.78 1 6.875 508.47 90 6.625 508.47 SAVANNAH GA 31419 1 10/02/02 12 1592582 05 11/01/02 25 1592582 N 10/01/32 0 8283601 286/286 F 177,000.00 ZZ 360 176,269.88 1 6.250 1,089.82 75 6.000 1,089.82 TUCSON AZ 85705 2 10/09/02 00 1675329 05 12/01/02 0 1675329 N 11/01/32 0 8283603 286/286 F 252,800.00 ZZ 360 252,061.08 1 7.625 1,789.31 80 7.375 1,789.31 FALLS CHURCH VA 22044 5 08/22/02 00 1454700 03 10/01/02 0 1454700 N 09/01/32 0 8283605 286/286 F 97,600.00 ZZ 360 97,435.53 1 6.875 641.17 80 6.625 641.17 1 LAWRENCEVILLE GA 30044 1 10/02/02 00 1591645 05 12/01/02 0 1591645 N 11/01/32 0 8283607 286/286 F 80,250.00 ZZ 360 80,121.26 2 7.125 540.66 75 6.875 540.66 FARMINGTON NH 03103 1 10/25/02 00 1680522 05 12/01/02 0 1680522 N 11/01/32 0 8283609 286/286 F 119,500.00 ZZ 360 119,235.64 1 6.250 735.79 80 6.000 735.79 MARLTON NJ 08053 1 10/23/02 00 1306508 01 12/01/02 0 1306508 N 11/01/32 0 8283611 286/286 F 52,000.00 ZZ 360 51,912.37 1 6.875 341.61 80 6.625 341.61 YONKERS NY 10701 2 10/17/02 00 1520590 01 12/01/02 0 1520590 N 11/01/32 0 8283613 286/286 F 57,600.00 ZZ 360 57,295.02 1 6.500 364.08 80 6.250 364.08 WOODSTOCK IL 60098 1 10/14/02 00 1601807 01 12/01/02 0 1601807 N 11/01/32 0 8283615 286/286 F 117,200.00 ZZ 360 116,927.00 2 6.250 721.63 75 6.000 721.63 BETHLEHEM PA 18017 2 10/24/02 00 1685813 05 12/01/02 0 1685813 N 11/01/32 0 1 8283625 286/286 F 95,000.00 ZZ 360 94,835.95 2 6.750 616.17 76 6.500 616.17 TUCSON AZ 85701 2 10/14/02 00 1555047 05 12/01/02 0 1555047 N 11/01/32 0 8283627 286/286 F 230,900.00 ZZ 360 230,481.39 4 6.500 1,459.45 75 6.250 1,459.45 SNELLVILLE GA 30078 1 09/24/02 00 1621976 05 11/01/02 0 1621976 N 10/01/32 0 8283631 286/286 F 20,700.00 ZZ 360 20,669.18 1 7.500 144.74 90 7.250 144.74 CAMDEN NJ 08104 1 10/11/02 11 1552271 05 12/01/02 30 1552271 N 11/01/32 0 8283651 286/286 F 56,800.00 ZZ 360 56,664.55 1 6.375 354.36 80 6.125 354.36 TUCSON AZ 85710 1 10/21/02 00 1635826 01 12/01/02 0 1635826 N 11/01/32 0 8283657 286/286 F 160,000.00 ZZ 360 159,580.10 4 6.875 1,051.09 80 6.625 1,051.09 HOLLAND MI 49423 1 10/17/02 00 1549390 05 12/01/02 0 1549390 N 11/01/32 0 8283659 286/286 F 160,000.00 ZZ 360 159,580.10 4 1 6.875 1,051.09 80 6.625 1,051.09 HOLLAND MI 49423 1 10/17/02 00 1549392 05 12/01/02 0 1549392 N 11/01/32 0 8283661 286/286 F 160,000.00 ZZ 360 159,580.10 4 6.875 1,051.09 80 6.625 1,051.09 HOLLAND MI 49423 1 10/17/02 00 1549394 05 12/01/02 0 1549394 N 11/01/32 0 8283663 286/286 F 40,200.00 ZZ 360 40,138.61 1 7.375 277.66 80 7.125 277.66 SPRINGFIELD IL 62703 1 10/23/02 00 1665448 05 12/01/02 0 1665448 N 11/01/32 0 8283669 286/286 F 51,200.00 ZZ 360 51,083.12 2 7.500 358.00 80 7.250 358.00 DETROIT MI 48238 1 10/08/02 00 1629769 05 12/01/02 0 1629769 N 11/01/32 0 8283681 286/286 F 144,000.00 ZZ 360 140,887.46 2 7.125 970.16 90 6.875 970.16 MILWAUKEE WI 53208 1 07/30/02 10 1426577 05 09/01/02 25 1426577 N 08/01/32 0 8283689 286/286 F 104,000.00 ZZ 360 103,288.55 1 6.250 640.35 75 6.000 640.35 MARIETTA GA 30066 2 10/24/02 00 1602498 05 12/01/02 0 1 1602498 N 11/01/32 0 8283691 286/286 F 65,600.00 ZZ 360 65,489.45 1 6.875 430.95 80 6.625 430.95 WOODLYNNE NJ 08107 5 10/08/02 00 1525029 05 12/01/02 0 1525029 N 11/01/32 0 8283695 286/286 F 123,750.00 ZZ 360 123,546.53 1 7.000 823.31 90 6.750 823.31 PHOENIX AZ 85044 1 10/21/02 12 1662980 03 12/01/02 25 1662980 N 11/01/32 0 8283699 286/286 F 55,709.00 ZZ 360 55,617.41 1 7.000 370.63 75 6.750 370.63 HENDERSON TX 75652 2 10/10/02 00 1411209 05 12/01/02 0 1411209 N 11/01/32 0 8283701 286/286 F 207,500.00 ZZ 360 207,183.23 1 7.375 1,433.16 88 7.125 1,433.16 WOODBRIDGE NJ 08872 1 10/25/02 12 1673223 05 12/01/02 25 1673223 N 11/01/32 0 8283715 286/286 F 163,800.00 ZZ 360 163,517.14 1 6.750 1,062.41 90 6.500 1,062.41 UNIONVILLE VA 22567 1 10/17/02 11 1662033 05 12/01/02 25 1662033 N 11/01/32 0 1 8283743 286/286 F 67,200.00 ZZ 360 67,085.31 1 7.000 447.09 80 6.750 447.09 NORRISTOWN PA 19401 2 10/08/02 00 1045411 05 12/01/02 0 1045411 N 11/01/32 0 8283749 F64/G02 F 372,000.00 ZZ 360 372,000.00 1 6.750 2,412.78 80 6.500 2,412.78 CHESAPEAKE VA 23320 2 12/03/02 00 0435140652 05 02/01/03 0 00004286 O 01/01/33 0 8283759 286/286 F 146,160.00 ZZ 360 145,013.34 1 7.000 972.41 90 6.750 972.41 VIRGINIA BEACH VA 23464 1 08/29/02 11 1497637 03 10/01/02 25 1497637 N 09/01/32 0 8283769 286/286 F 66,800.00 ZZ 360 66,675.93 2 6.375 416.75 80 6.125 416.75 CHATTANOOGA TN 37412 5 10/30/02 00 1624834 05 12/01/02 0 1624834 N 11/01/32 0 8283771 286/286 F 102,300.00 ZZ 360 101,322.25 2 6.500 646.61 80 6.250 646.61 REDMOND OR 97756 1 10/08/02 00 1674357 05 12/01/02 0 1674357 N 11/01/32 0 8283773 286/286 F 96,000.00 ZZ 360 95,821.69 1 6.375 598.92 77 6.125 598.92 1 AUSTELL GA 30106 5 10/21/02 00 1471276 05 12/01/02 0 1471276 N 11/01/32 0 8283779 286/286 F 56,150.00 ZZ 360 56,044.32 1 6.375 350.31 76 6.125 350.31 HARRISBURG PA 17112 2 10/11/02 00 1594387 01 12/01/02 0 1594387 N 11/01/32 0 8283781 286/286 F 116,000.00 ZZ 360 115,799.68 1 6.750 752.38 80 6.500 752.38 TUCSON AZ 85746 2 10/08/02 00 1589044 05 12/01/02 0 1589044 N 11/01/32 0 8283783 286/286 F 73,000.00 ZZ 360 72,810.38 3 6.750 473.48 75 6.500 473.48 TROY OH 45373 2 10/04/02 00 1545059 05 11/01/02 0 1545059 N 10/01/32 0 8283785 286/286 F 85,000.00 ZZ 360 84,779.21 3 6.750 551.31 75 6.500 551.31 TROY OH 45373 2 10/04/02 00 1545065 05 11/01/02 0 1545065 N 10/01/32 0 8283789 286/286 F 280,000.00 ZZ 360 279,516.48 1 6.750 1,816.08 80 6.500 1,816.08 CHICAGO IL 60610 1 10/16/02 00 1652398 01 12/01/02 0 1652398 N 11/01/32 0 1 8283795 286/286 F 76,000.00 ZZ 360 75,878.08 1 7.125 512.03 80 6.875 512.03 EASTON PA 18042 5 10/03/02 00 1615312 05 12/01/02 0 1615312 N 11/01/32 0 8283797 286/286 F 144,000.00 ZZ 360 143,732.53 1 6.375 898.38 80 6.125 898.38 HOUSTON TX 77006 1 10/04/02 00 1625034 03 12/01/02 0 1625034 N 11/01/32 0 8283801 286/286 F 61,650.00 ZZ 360 61,532.70 1 6.250 379.59 90 6.000 379.59 INDIANAPOLIS IN 46226 1 10/15/02 11 1580326 05 12/01/02 30 1580326 N 11/01/32 0 8283805 286/286 F 148,500.00 ZZ 360 148,230.77 1 6.500 938.63 90 6.250 938.63 HENDERSON NV 89015 1 10/09/02 14 1018905 03 12/01/02 25 1018905 N 11/01/32 0 8283809 286/286 F 64,800.00 ZZ 360 64,696.05 1 7.125 436.57 90 6.875 436.57 BLOOMINGTON IL 61701 1 10/11/02 10 1646320 05 12/01/02 25 1646320 N 11/01/32 0 8283813 286/286 F 50,850.00 ZZ 360 50,753.23 1 1 6.250 313.10 90 6.000 313.10 HUBER HEIGHTS OH 45424 1 10/18/02 10 1594468 05 12/01/02 25 1594468 N 11/01/32 0 8283815 286/286 F 100,000.00 ZZ 360 99,851.10 1 7.500 699.22 80 7.250 699.22 TAMPA FL 33615 5 10/14/02 00 1590720 05 12/01/02 0 1590720 N 11/01/32 0 8283817 286/286 F 93,600.00 ZZ 360 93,362.73 1 6.875 614.89 80 6.625 614.89 FT LAUDERDALE FL 33326 5 10/01/02 00 1568174 01 11/01/02 0 1568174 N 10/01/32 0 8283821 286/286 F 132,000.00 ZZ 360 131,754.83 1 6.375 823.51 80 6.125 823.51 ATLANTA GA 30305 2 10/11/02 00 1508865 01 12/01/02 0 1508865 N 11/01/32 0 8283823 286/286 F 61,200.00 ZZ 360 61,106.56 1 7.375 422.70 90 7.125 422.70 ASHLAND KY 41101 1 10/15/02 10 1582735 05 12/01/02 25 1582735 N 11/01/32 0 8283827 286/286 F 103,500.00 ZZ 360 103,237.62 1 6.875 679.93 90 6.625 679.93 KITTY HAWK NC 27949 1 09/27/02 12 1490188 05 11/01/02 25 1 1490188 N 10/01/32 0 8283833 286/286 F 128,800.00 ZZ 360 128,566.49 2 6.500 814.11 80 6.250 814.11 MPLS MN 55418 1 10/25/02 00 1654381 05 12/01/02 0 1654381 N 11/01/32 0 8283837 286/286 F 27,920.00 ZZ 360 27,875.22 1 7.125 188.10 80 6.875 188.10 MIAMI FL 33179 1 10/18/02 00 1596226 01 12/01/02 0 1596226 N 11/01/32 0 8283839 286/286 F 64,000.00 ZZ 360 63,883.96 1 6.500 404.53 80 6.250 404.53 HOUSTON TX 77024 1 10/15/02 00 1686972 01 12/01/02 0 1686972 N 11/01/32 0 8283849 286/286 F 114,400.00 ZZ 360 114,207.23 1 6.875 751.53 80 6.625 751.53 INDEPENDENCE KY 41051 2 10/10/02 00 1558267 05 12/01/02 0 1558267 N 11/01/32 0 8283851 286/286 F 112,000.00 ZZ 360 111,811.28 1 6.875 735.76 80 6.625 735.76 INDEPENDENCE KY 41051 2 10/10/02 00 1612257 05 12/01/02 0 1612257 N 11/01/32 0 1 8283861 286/286 F 49,600.00 ZZ 360 49,518.45 1 7.000 329.99 80 6.750 329.99 ORLANDO FL 32835 1 10/18/02 00 1661388 05 12/01/02 0 1661388 N 11/01/32 0 8283865 286/286 F 162,000.00 ZZ 360 161,733.63 1 7.000 1,077.80 90 6.750 1,077.80 SILVER SPRING MD 20902 1 10/21/02 11 1647787 05 12/01/02 25 1647787 N 11/01/32 0 8283867 286/286 F 88,500.00 ZZ 360 88,350.88 1 7.000 588.80 77 6.750 588.80 INDIANAPOLIS IN 46240 2 10/09/02 00 1604794 05 12/01/02 0 1604794 N 11/01/32 0 8283871 286/286 F 32,400.00 ZZ 360 32,306.36 1 6.750 210.15 90 6.500 210.15 BEDFORD PA 15522 1 10/03/02 10 1613739 05 11/01/02 25 1613739 N 10/01/32 0 8283875 286/286 F 66,050.00 ZZ 360 65,878.43 1 6.750 428.40 95 6.500 428.40 PANAMA BEACH FL 32408 1 09/20/02 21 1596854 01 11/01/02 30 1596854 N 10/01/32 0 8283877 286/286 F 163,000.00 ZZ 360 162,691.06 1 6.375 1,016.91 80 6.125 1,016.91 1 DENVER CO 80210 5 10/01/02 00 1606716 05 12/01/02 0 1606716 N 11/01/32 0 8283881 286/286 F 96,000.00 ZZ 360 95,819.52 1 6.375 598.92 80 6.125 598.92 DENVER CO 80218 2 10/11/02 00 1609038 01 12/01/02 0 1609038 N 11/01/32 0 8283885 286/286 F 78,000.00 ZZ 360 77,844.58 1 6.500 493.02 80 6.250 493.02 DENVER CO 80203 1 10/01/02 00 1611133 01 12/01/02 0 1611133 N 11/01/32 0 8283891 286/286 F 170,950.00 ZZ 360 170,505.95 1 6.750 1,108.78 90 6.500 1,108.78 ROANOKE VA 24018 1 09/30/02 12 1417499 03 11/01/02 25 1417499 N 10/01/32 0 8283895 286/286 F 81,600.00 ZZ 360 81,481.50 1 7.625 577.56 80 7.375 577.56 RAHWAY NJ 07065 1 10/15/02 00 1610356 05 12/01/02 0 1610356 N 11/01/32 0 8283899 286/286 F 96,750.00 ZZ 360 96,527.78 1 7.375 668.23 90 7.125 668.23 PERRYVILLE MD 21903 1 10/01/02 10 1458479 05 11/01/02 25 1458479 N 10/01/32 0 1 8283905 286/286 F 96,300.00 ZZ 360 96,141.66 1 7.000 640.69 90 6.750 640.69 MESA AZ 85210 1 10/01/02 10 1521621 01 12/01/02 25 1521621 N 11/01/32 0 8283909 286/286 F 92,000.00 ZZ 360 91,766.78 1 6.875 604.38 80 6.625 604.38 DALLAS NC 28034 5 10/03/02 00 1603822 05 11/01/02 0 1603822 N 10/01/32 0 8283911 286/286 F 52,500.00 ZZ 360 52,417.83 1 7.250 358.15 75 7.000 358.15 LOUISVILLE KY 40212 5 10/08/02 00 1599248 05 12/01/02 0 1599248 N 11/01/32 0 8283917 286/286 F 91,930.00 ZZ 360 91,755.09 1 6.250 566.03 78 6.000 566.03 SAVANNAH GA 31410 1 10/11/02 00 1663526 05 12/01/02 0 1663526 N 11/01/32 0 8283919 286/286 F 198,000.00 ZZ 360 197,649.64 2 6.625 1,267.82 75 6.375 1,267.82 ATLANTA GA 30318 2 10/18/02 00 1569220 05 12/01/02 0 1569220 N 11/01/32 0 8283931 286/286 F 192,000.00 ZZ 360 191,651.90 2 1 6.500 1,213.58 80 6.250 1,213.58 CHICAGO IL 60612 5 10/25/02 00 1644428 05 12/01/02 0 1644428 N 11/01/32 0 8283973 286/286 F 72,000.00 ZZ 360 71,872.59 2 6.625 461.03 80 6.375 461.03 DELAND FL 32720 1 10/11/02 00 1632681 05 12/01/02 0 1632681 N 11/01/32 0 8283975 286/286 F 50,400.00 ZZ 360 50,050.87 1 7.125 339.56 90 6.875 339.56 INDIANAPOLIS IN 46240 1 10/11/02 10 1522013 05 12/01/02 25 1522013 N 11/01/32 0 8283981 286/286 F 70,000.00 ZZ 360 69,716.38 1 7.125 471.60 80 6.875 471.60 BEREA KY 40403 1 07/12/02 00 1359828 05 09/01/02 0 1359828 N 08/01/32 0 8283983 286/286 F 186,000.00 ZZ 360 185,539.92 2 7.000 1,237.47 78 6.750 1,237.47 CHARLESTON RI 02813 5 09/30/02 00 1529667 05 11/01/02 0 1529667 N 10/01/32 0 8283985 286/286 F 45,600.00 ZZ 360 45,480.23 1 7.375 314.95 80 7.125 314.95 JOLIET IL 60435 1 10/01/02 00 1574685 01 12/01/02 0 1 1574685 N 11/01/32 0 8283987 X64/G02 F 207,460.00 ZZ 360 207,460.00 1 6.875 1,362.86 78 6.625 1,362.86 SOUTH LYON MI 48178 1 12/12/02 00 0435126115 01 02/01/03 0 0000003448 O 01/01/33 0 8283991 286/286 F 79,200.00 ZZ 360 79,069.78 1 7.000 526.92 80 6.750 526.92 LAKE PARK FL 33403 5 10/23/02 00 1645461 03 12/01/02 0 1645461 N 11/01/32 0 8283993 286/286 F 58,400.00 ZZ 360 58,299.14 1 6.750 378.79 80 6.500 378.79 CALDWELL ID 83605 5 10/21/02 00 1615961 05 12/01/02 0 1615961 N 11/01/32 0 8283995 286/286 F 192,000.00 ZZ 360 191,643.40 1 6.375 1,197.83 80 6.125 1,197.83 LAWRENCEVILLE GA 30045 5 10/24/02 00 1612497 03 12/01/02 0 1612497 N 11/01/32 0 8283997 286/286 F 148,000.00 ZZ 360 147,725.11 1 6.375 923.33 80 6.125 923.33 LAWRENCEVILLE GA 30045 5 10/24/02 00 1612513 05 12/01/02 0 1612513 N 11/01/32 0 1 8283999 286/286 F 107,850.00 ZZ 360 107,672.67 1 7.000 717.53 90 6.750 717.53 PHOENIX AZ 85037 1 10/18/02 11 1663487 05 12/01/02 25 1663487 N 11/01/32 0 8284001 286/286 F 476,400.00 ZZ 360 475,162.52 4 6.750 3,089.93 80 6.500 3,089.93 WASHINGTON DC 20007 1 10/01/02 00 1610327 05 11/01/02 0 1610327 N 10/01/32 0 8284005 286/286 F 65,700.00 ZZ 360 65,589.28 1 6.875 431.61 90 6.625 431.61 NORMAL IL 61761 1 10/01/02 10 1584695 05 12/01/02 25 1584695 N 11/01/32 0 8284007 286/286 F 120,000.00 ZZ 360 119,771.67 1 6.250 738.87 80 6.000 738.87 MEDFORD OR 97501 1 10/25/02 00 1643307 05 12/01/02 0 1643307 N 11/01/32 0 8284013 286/286 F 58,500.00 ZZ 360 58,391.33 1 6.375 364.97 77 6.125 364.97 PAHRUMP NV 89048 2 10/21/02 00 1610032 01 12/01/02 0 1610032 N 11/01/32 0 8284015 286/286 F 70,000.00 ZZ 360 69,809.12 1 6.500 442.45 77 6.250 442.45 1 DOUGLASVILLE GA 30134 2 09/25/02 00 1475181 05 11/01/02 0 1475181 N 10/01/32 0 8284021 286/286 F 310,000.00 ZZ 360 309,437.98 1 6.500 1,959.42 78 6.250 1,959.42 SHERMAN OAKS CA 91403 1 10/16/02 00 1600055 05 12/01/02 0 1600055 N 11/01/32 0 8284031 286/286 F 117,000.00 ZZ 360 116,807.62 1 7.000 778.41 78 6.750 778.41 SAINT PAUL MN 55104 2 10/28/02 00 1609384 05 12/01/02 0 1609384 N 11/01/32 0 8284033 286/286 F 81,000.00 ZZ 360 80,849.54 1 6.375 505.34 75 6.125 505.34 ORLANDO FL 32811 5 10/21/02 00 1596443 01 12/01/02 0 1596443 N 11/01/32 0 8284045 286/286 F 63,200.00 ZZ 360 63,082.61 1 6.375 394.29 80 6.125 394.29 ANDERSON IN 46012 5 10/03/02 00 1563956 05 12/01/02 0 1563956 N 11/01/32 0 8284047 286/286 F 62,100.00 ZZ 360 61,992.76 1 6.750 402.78 90 6.500 402.78 THOROFARE NJ 08086 1 10/15/02 11 1627159 05 12/01/02 25 1627159 N 11/01/32 0 1 8284063 286/286 F 145,600.00 ZZ 360 145,342.37 1 6.625 932.29 80 6.375 932.29 ORO VALLEY AZ 85737 1 10/02/02 00 1588042 03 12/01/02 0 1588042 N 11/01/32 0 8284065 286/286 F 156,000.00 ZZ 360 155,730.60 2 6.750 1,011.82 80 6.500 1,011.82 TUCSON AZ 85710 5 10/02/02 00 1396883 05 12/01/02 0 1396883 N 11/01/32 0 8284073 286/286 F 37,800.00 ZZ 360 37,723.88 1 6.875 248.32 90 6.625 248.32 PLYMOUTH PA 18651 1 10/14/02 12 1535572 05 12/01/02 25 1535572 N 11/01/32 0 8284075 420/G02 F 280,000.00 ZZ 360 279,740.66 1 6.375 1,746.84 78 6.125 1,746.84 SANTA ROSA CA 95403 5 11/22/02 00 0435094503 05 01/01/03 0 72004520 O 12/01/32 0 8284077 286/286 F 136,328.00 ZZ 360 135,877.10 1 7.000 906.99 80 6.750 906.99 COLORADO SPRING CO 80922 1 09/03/02 00 1573473 03 10/01/02 0 1573473 N 09/01/32 0 8284081 286/286 F 84,000.00 ZZ 360 83,776.44 1 1 6.625 537.87 80 6.375 537.87 TUCSON AZ 85730 1 09/26/02 00 1611085 03 11/01/02 0 1611085 N 10/01/32 0 8284085 286/286 F 36,000.00 ZZ 360 35,880.92 1 7.000 239.51 90 6.750 239.51 BULLHEAD CITY AZ 86442 1 08/16/02 04 1494909 05 10/01/02 25 1494909 N 09/01/32 0 8284097 286/286 F 63,900.00 ZZ 360 63,804.86 1 7.500 446.80 90 7.250 446.80 NORMAL IL 61761 2 10/09/02 14 1389164 03 12/01/02 25 1389164 N 11/01/32 0 8284099 286/286 F 255,000.00 ZZ 360 254,526.38 1 6.375 1,590.87 75 6.125 1,590.87 ENGLEWOOD CO 80111 2 10/22/02 00 1629402 05 12/01/02 0 1629402 N 11/01/32 0 8284101 286/286 F 124,000.00 ZZ 360 123,775.19 1 6.500 783.77 80 6.250 783.77 ESCONDIDO CA 92025 1 10/21/02 00 1628523 01 12/01/02 0 1628523 N 11/01/32 0 8284105 286/286 F 234,000.00 ZZ 360 233,375.24 1 6.625 1,498.33 75 6.375 1,498.33 MONTVILLE NJ 07045 1 10/01/02 00 1545221 01 11/01/02 0 1 1545221 N 10/01/32 0 8284107 286/286 F 32,000.00 ZZ 360 31,930.06 1 7.625 226.50 80 7.375 226.50 TOLEDO OH 43614 1 09/27/02 00 1449697 01 11/01/02 0 1449697 N 10/01/32 0 8284109 286/286 F 256,000.00 ZZ 360 255,805.20 1 7.375 1,768.13 80 7.125 1,768.13 ROYAL OAK MI 48073 5 11/06/02 00 1730344 05 01/01/03 0 1730344 N 12/01/32 0 8284115 286/286 F 193,200.00 ZZ 360 192,866.38 1 6.750 1,253.09 80 6.500 1,253.09 BRENTWOOD CA 94513 1 10/28/02 00 1728957 05 12/01/02 0 1728957 N 11/01/32 0 8284119 286/286 F 72,000.00 ZZ 360 71,817.48 2 6.875 472.99 80 6.625 472.99 ONTARIO OR 97914 1 09/13/02 00 0001254857 05 11/01/02 0 0001254857 N 10/01/32 0 8284121 286/286 F 115,500.00 ZZ 360 115,290.61 1 6.500 730.04 75 6.250 730.04 STOCKTON CA 95204 2 11/05/02 00 1702081 05 12/01/02 0 1702081 N 11/01/32 0 1 8284123 286/286 F 220,000.00 ZZ 360 219,591.79 1 6.375 1,373.23 80 6.125 1,373.23 ALEXANDRIA VA 22301 1 10/28/02 00 0001249022 05 12/01/02 0 0001249022 N 11/01/32 0 8284135 286/286 F 67,650.00 ZZ 360 67,524.91 1 6.375 422.05 80 6.125 422.05 BALTIMORE MD 21286 2 10/24/02 00 0001249907 01 12/01/02 0 0001249907 N 11/01/32 0 8284137 286/286 F 76,000.00 ZZ 360 75,859.48 1 6.375 474.14 78 6.125 474.14 BALTIMORE MD 21236 2 10/24/02 00 0001249911 01 12/01/02 0 0001249911 N 11/01/32 0 8284139 286/286 F 204,000.00 ZZ 360 203,630.16 4 6.500 1,289.42 80 6.250 1,289.42 REDDING CA 96003 1 10/31/02 00 1660179 05 12/01/02 0 1660179 N 11/01/32 0 8284143 286/286 F 296,000.00 ZZ 360 295,278.05 1 6.250 1,822.53 80 6.000 1,822.53 DALLAS TX 75225 1 11/04/02 00 1680443 05 01/01/03 0 1680443 N 12/01/32 0 8284157 286/286 F 66,300.00 ZZ 360 66,177.41 1 6.375 413.63 86 6.125 413.63 1 SHIPPENSBURG PA 17257 1 10/30/02 10 0001249979 05 12/01/02 25 0001249979 N 11/01/32 0 8284161 286/286 F 184,000.00 ZZ 360 183,654.22 1 6.375 1,147.93 80 6.125 1,147.93 SACRAMENTO CA 95829 1 10/19/02 00 1257549 05 12/01/02 0 1257549 N 11/01/32 0 8284163 286/286 F 145,600.00 ZZ 360 145,468.37 2 6.500 920.30 80 6.250 920.30 ROCHDALE MA 01542 5 11/07/02 00 1428425 05 01/01/03 0 1428425 N 12/01/32 0 8284165 286/286 F 97,650.00 ZZ 360 97,481.37 1 6.750 633.36 90 6.500 633.36 SALEM OR 97302 1 10/21/02 12 0001250715 05 12/01/02 25 0001250715 N 11/01/32 0 8284169 286/286 F 175,200.00 ZZ 360 175,049.15 1 6.750 1,136.35 80 6.500 1,136.35 RENO NV 89523 1 11/14/02 00 1751572 05 01/01/03 0 1751572 N 12/01/32 0 8284173 420/G02 F 216,000.00 ZZ 360 215,809.43 1 6.625 1,383.07 80 6.375 1,383.07 UKIAH CA 95482 5 11/26/02 00 0435109624 05 01/01/03 0 72004351 N 12/01/32 0 1 8284175 286/286 F 176,000.00 ZZ 360 175,848.46 1 6.750 1,141.54 80 6.500 1,141.54 RENO NV 89523 1 11/14/02 00 1754492 05 01/01/03 0 1754492 N 12/01/32 0 8284183 286/286 F 200,000.00 ZZ 360 199,646.10 1 6.625 1,280.63 80 6.375 1,280.63 CANTON MA 02021 1 10/31/02 00 1698045 05 12/01/02 0 1698045 N 11/01/32 0 8284185 286/286 F 207,650.00 ZZ 360 207,308.59 1 7.000 1,381.50 90 6.750 1,381.50 NEW MARKET MD 21774 1 10/23/02 21 0001250957 03 12/01/02 25 0001250957 N 11/01/32 0 8284191 286/286 F 111,000.00 ZZ 360 110,808.32 1 6.750 719.95 77 6.500 719.95 HEMET CA 92543 5 10/15/02 00 1649608 05 12/01/02 0 1649608 N 11/01/32 0 8284195 286/286 F 299,900.00 ZZ 360 299,641.79 1 6.750 1,945.15 80 6.500 1,945.15 SAN FRANCISCO CA 94134 5 11/07/02 00 1700933 05 01/01/03 0 1700933 N 12/01/32 0 8284205 286/286 F 103,500.00 ZZ 360 103,307.75 1 1 6.375 645.71 78 6.125 645.71 ROUND ROCK TX 78681 2 10/28/02 00 1583613 05 12/01/02 0 1583613 N 11/01/32 0 8284221 286/286 F 168,920.00 ZZ 360 168,774.56 1 6.750 1,095.62 80 6.500 1,095.62 LODI CA 95242 1 11/01/02 00 1672705 05 01/01/03 0 1672705 N 12/01/32 0 8284225 286/286 F 105,000.00 ZZ 360 104,905.08 1 6.500 663.67 75 6.250 663.67 STERLING VA 20164 5 11/08/02 00 0001249166 01 01/01/03 0 0001249166 N 12/01/32 0 8284237 588/G02 F 111,200.00 ZZ 360 111,012.63 1 6.875 730.50 80 6.625 730.50 WINCHESTER VA 22602 1 10/24/02 00 0435197942 05 12/01/02 0 00010736634 O 11/01/32 0 8284243 286/286 F 126,480.00 ZZ 360 126,261.59 1 6.750 820.35 82 6.500 820.35 TEMPE AZ 85281 2 10/18/02 14 1610564 05 12/01/02 30 1610564 N 11/01/32 0 8284247 286/286 F 262,000.00 ZZ 360 261,768.84 1 6.625 1,677.62 75 6.375 1,677.62 SANTA ROSA CA 95407 5 11/22/02 00 1698836 05 01/01/03 0 1 1698836 N 12/01/32 0 8284249 N74/G02 F 123,750.00 ZZ 360 123,653.47 1 7.250 844.19 75 7.000 844.19 HIGH POINT NC 27262 5 11/26/02 00 0435123963 05 01/02/03 0 3300008894 O 12/02/32 0 8284301 286/286 F 115,875.00 ZZ 360 115,684.48 1 7.000 770.92 90 6.750 770.92 DUMFRIES VA 22026 1 10/24/02 14 1734072 03 12/01/02 25 1734072 N 11/01/32 0 8284303 286/286 F 143,600.00 ZZ 360 143,470.18 1 6.500 907.65 80 6.250 907.65 SPARKS NV 89434 1 11/14/02 00 1762865 03 01/01/03 0 1762865 N 12/01/32 0 8284311 286/286 F 148,000.00 ZZ 360 147,869.41 1 6.625 947.67 80 6.375 947.67 LYNNWOOD WA 98037 5 11/06/02 00 1667984 05 01/01/03 0 1667984 N 12/01/32 0 8284313 286/286 F 68,400.00 ZZ 360 68,292.96 1 7.250 466.61 90 7.000 466.61 WALKERSVILLE MD 21793 1 10/15/02 12 0000811502 03 12/01/02 25 0000811502 N 11/01/32 0 1 8284315 286/286 F 270,000.00 ZZ 360 269,566.87 1 7.125 1,819.05 75 6.875 1,819.05 RICHMOND CA 94804 5 10/25/02 00 1660632 05 12/01/02 0 1660632 N 11/01/32 0 8284317 286/286 F 270,000.00 ZZ 360 269,566.87 1 7.125 1,819.05 75 6.875 1,819.05 RICHMOND CA 94804 5 10/25/02 00 1660704 05 12/01/02 0 1660704 N 11/01/32 0 8284321 286/286 F 57,100.00 ZZ 360 56,998.96 1 6.625 365.62 90 6.375 365.62 MONTAGUE CA 96064 1 10/28/02 10 1251543 05 12/01/02 25 1251543 N 11/01/32 0 8284327 286/286 F 181,950.00 ZZ 360 181,583.57 1 6.250 1,120.30 90 6.000 1,120.30 DAYTON NV 89403 1 10/23/02 10 1592760 03 12/01/02 25 1592760 N 11/01/32 0 8284329 286/286 F 299,000.00 ZZ 360 298,760.89 1 7.125 2,014.42 75 6.875 2,014.42 ALBANY CA 94706 1 11/01/02 00 1720358 05 01/01/03 0 1720358 N 12/01/32 0 8284335 286/286 F 178,800.00 ZZ 360 178,660.51 3 7.250 1,219.74 80 7.000 1,219.74 1 NEW BEDFORD MA 02745 1 11/22/02 00 1695017 05 01/01/03 0 1695017 N 12/01/32 0 8284341 286/286 F 153,600.00 ZZ 360 153,341.16 1 6.875 1,009.05 80 6.625 1,009.05 FLAGSTAFF AZ 86001 1 10/28/02 00 1655062 05 12/01/02 0 1655062 N 11/01/32 0 8284351 286/286 F 87,000.00 ZZ 360 86,921.35 1 6.500 549.90 80 6.250 549.90 SACRAMENTO CA 95831 5 11/18/02 00 1763808 05 01/01/03 0 1763808 N 12/01/32 0 8284359 286/286 F 67,200.00 ZZ 360 67,016.20 1 7.125 452.74 80 6.875 452.74 YUBA CITY CA 95991 5 10/24/02 00 1686952 05 12/01/02 0 1686952 N 11/01/32 0 8284363 286/286 F 108,000.00 ZZ 360 107,835.13 1 7.375 745.93 80 7.125 745.93 PALM DESERT CA 92260 1 10/22/02 00 1706956 03 12/01/02 0 1706956 N 11/01/32 0 8284365 286/286 F 72,000.00 ZZ 360 71,887.16 1 7.250 491.17 80 7.000 491.17 SACRAMENTO CA 95815 5 10/24/02 00 1669836 05 12/01/02 0 1669836 N 11/01/32 0 1 8284383 286/286 F 99,000.00 ZZ 360 98,914.76 1 6.750 642.12 90 6.500 642.12 FERNLEY NV 89408 1 11/12/02 21 1672845 05 01/01/03 25 1672845 N 12/01/32 0 8284391 286/286 F 128,350.00 ZZ 360 128,231.12 2 6.375 800.74 76 6.125 800.74 TACOMA WA 98406 2 11/19/02 00 1642732 05 01/01/03 0 1642732 N 12/01/32 0 8284395 286/286 F 112,000.00 ZZ 360 111,820.35 1 7.125 754.56 80 6.875 754.56 CHESAPEAKE VA 23322 2 10/31/02 00 0001249222 05 12/01/02 0 0001249222 N 11/01/32 0 8284397 286/286 F 70,400.00 ZZ 360 70,272.36 1 6.500 444.98 75 6.250 444.98 CARSON CITY NV 89702 5 10/31/02 00 1662382 05 12/01/02 0 1662382 N 11/01/32 0 8284401 N74/G02 F 149,150.00 ZZ 360 149,015.17 1 6.500 942.73 95 6.250 942.73 MIDLOTHIAN VA 23112 2 11/26/02 10 0435120373 05 01/02/03 30 0031214010 O 12/02/32 0 8284403 286/286 F 120,000.00 ZZ 360 119,863.61 1 1 7.125 808.47 75 6.875 808.47 HENDERSON NV 89104 5 10/31/02 00 1663304 03 01/01/03 0 1663304 N 12/01/32 0 8284407 286/286 F 78,400.00 ZZ 360 78,254.39 1 6.375 489.11 80 6.125 489.11 FREDERICKSBURG VA 22407 1 10/25/02 00 0001251464 03 12/01/02 0 0001251464 N 11/01/32 0 8284417 286/286 F 75,000.00 ZZ 360 74,914.49 2 6.500 474.06 77 6.250 474.06 PORT DEPOSIT MD 21904 2 11/12/02 00 1733584 05 01/01/03 0 1733584 N 12/01/32 0 8284421 286/286 F 228,000.00 ZZ 360 227,798.84 1 6.625 1,459.91 80 6.375 1,459.91 SANTA MARIA CA 93458 1 11/07/02 00 1718557 05 01/01/03 0 1718557 N 12/01/32 0 8284427 286/286 F 96,000.00 ZZ 360 95,917.34 1 6.750 622.66 80 6.500 622.66 AUSTIN TX 78702 5 11/09/02 00 1691725 05 01/01/03 0 1691725 N 12/01/32 0 8284431 286/286 F 178,000.00 ZZ 360 177,785.97 1 6.625 1,139.76 79 6.375 1,139.76 DURANGO CO 81301 2 11/08/02 00 1555622 03 01/01/03 0 1 1555622 N 12/01/32 0 8284433 286/286 F 124,800.00 ZZ 360 124,568.21 1 6.375 778.59 80 6.125 778.59 RENO NV 89506 5 10/24/02 00 1588843 03 12/01/02 0 1588843 N 11/01/32 0 8284437 286/286 F 124,800.00 ZZ 360 124,567.89 1 6.375 778.59 80 6.125 778.59 RENO NV 89506 5 10/25/02 00 1588899 03 12/01/02 0 1588899 N 11/01/32 0 8284439 286/286 F 110,400.00 ZZ 360 110,194.94 1 6.375 688.76 80 6.125 688.76 RENO NV 89506 2 10/24/02 00 1588904 05 12/01/02 0 1588904 N 11/01/32 0 8284457 286/286 F 166,500.00 ZZ 360 166,183.21 1 6.250 1,025.17 90 6.000 1,025.17 PROVIDENCE RI 02906 1 10/18/02 14 1604035 01 12/01/02 25 1604035 N 11/01/32 0 8284467 286/286 F 92,000.00 ZZ 360 91,228.38 1 6.250 566.46 80 6.000 566.46 RENO NV 89502 2 11/19/02 00 1681790 05 01/01/03 0 1681790 N 12/01/32 0 1 8284475 286/286 F 140,000.00 ZZ 360 139,879.46 2 6.750 908.04 80 6.500 908.04 BROWNSBURG IN 46112 2 11/13/02 00 1757024 05 01/01/03 0 1757024 N 12/01/32 0 8284479 286/286 F 95,040.00 ZZ 360 94,879.84 1 6.875 624.35 90 6.625 624.35 CROFTON MD 21114 1 11/01/02 04 1724838 01 12/01/02 25 1724838 N 11/01/32 0 8284505 286/286 F 220,000.00 ZZ 360 219,629.28 1 6.875 1,445.25 80 6.625 1,445.25 SEATTLE WA 98105 5 10/30/02 00 1650484 05 12/01/02 0 1650484 N 11/01/32 0 8284519 286/286 F 161,250.00 ZZ 360 160,957.67 1 6.500 1,019.21 75 6.250 1,019.21 MOUNT SHASTA CA 96067 1 10/22/02 00 1622428 05 12/01/02 0 1622428 N 11/01/32 0 8284521 286/286 F 170,000.00 ZZ 360 169,857.18 1 6.875 1,116.78 80 6.625 1,116.78 ROCKLIN CA 95677 1 11/12/02 00 1748727 05 01/01/03 0 1748727 N 12/01/32 0 8284523 286/286 F 89,600.00 ZZ 360 89,530.10 1 7.250 611.23 80 7.000 611.23 1 REDDING CA 96002 1 11/15/02 00 1720073 05 01/01/03 0 1720073 N 12/01/32 0 8284527 286/286 F 42,000.00 ZZ 360 41,939.00 1 7.625 297.28 75 7.375 297.28 ANDERSON IN 46016 5 10/25/02 00 1680141 05 12/01/02 0 1680141 N 11/01/32 0 8284529 286/286 F 45,000.00 ZZ 360 44,934.65 1 7.625 318.51 75 7.375 318.51 ANDERSON IN 46016 5 10/25/02 00 1680158 05 12/01/02 0 1680158 N 11/01/32 0 8284533 286/286 F 132,000.00 ZZ 360 131,883.53 1 6.625 845.22 75 6.375 845.22 MANKATO MN 56001 2 11/20/02 00 1802677 05 01/01/03 0 1802677 N 12/01/32 0 8284663 286/286 F 115,000.00 ZZ 360 114,781.21 2 6.250 708.07 75 6.000 708.07 BOISE ID 83703 2 10/25/02 00 0001251510 05 12/01/02 0 0001251510 N 11/01/32 0 8284667 286/286 F 65,450.00 ZZ 360 65,336.98 1 6.750 424.51 90 6.500 424.51 FREDERICKSBURG VA 22407 1 10/31/02 11 0001249619 03 12/01/02 25 0001249619 N 11/01/32 0 1 8284669 286/286 F 124,100.00 ZZ 360 123,895.94 1 7.000 825.65 78 6.750 825.65 TEMPE AZ 85282 2 10/25/02 00 1633775 03 12/01/02 0 1633775 N 11/01/32 0 8284863 M24/G02 F 380,000.00 ZZ 360 379,664.74 1 6.625 2,433.18 79 6.375 2,433.18 LA HABRA HEIGHT CA 90631 5 11/20/02 00 0435118484 05 01/01/03 0 288106924 O 12/01/32 0 8285087 P44/G02 F 189,300.00 ZZ 360 189,300.00 1 7.500 1,323.61 66 7.250 1,323.61 HYANNIS MA 02601 5 12/11/02 00 0435115639 01 02/01/03 0 002 N 01/01/33 0 8285183 N74/G02 F 86,400.00 ZZ 360 86,318.02 1 6.250 531.98 80 6.000 531.98 CHARLESTON SC 29406 5 11/26/02 00 0435135421 05 01/02/03 0 0031228011 O 12/02/32 0 8285253 738/G02 F 284,000.00 ZZ 360 283,755.48 1 6.750 1,842.02 71 6.500 1,842.02 PORTSMOUTH VA 23703 5 11/26/02 00 0435067145 05 01/01/03 0 40702508 O 12/01/32 0 8285293 420/G02 F 240,000.00 ZZ 360 239,788.25 1 1 6.625 1,536.75 80 6.375 1,536.75 UKIAH CA 95482 5 11/26/02 00 0435094297 05 01/01/03 0 72004350 N 12/01/32 0 8285337 E82/G02 F 88,800.00 ZZ 360 88,800.00 1 6.750 575.96 80 6.500 575.96 RICHMOND HILL NY 11419 2 12/11/02 00 0400739074 05 02/01/03 0 1636232 O 01/01/33 0 8285339 E82/G02 F 123,800.00 ZZ 360 123,800.00 3 7.000 823.64 62 6.750 823.64 PORTLAND ME 04103 2 12/12/02 00 0400717625 05 02/01/03 0 3106116 N 01/01/33 0 8285349 E82/G02 F 135,850.00 ZZ 360 135,850.00 1 6.375 847.53 70 6.125 847.53 CALISTOGA CA 94515 2 12/10/02 00 0400743407 05 02/01/03 0 2777865 O 01/01/33 0 8285423 N47/G02 F 300,000.00 ZZ 360 300,000.00 1 6.750 1,945.79 75 6.500 1,945.79 SAN MARCOS CA 92069 1 12/03/02 00 0435135082 05 02/01/03 0 30500559 O 01/01/33 0 8285587 950/G02 F 384,000.00 ZZ 360 383,677.39 1 6.875 2,522.61 80 6.625 2,522.61 SEATTLE WA 98116 5 11/05/02 00 0435119920 05 01/01/03 0 1 N6210011 O 12/01/32 0 8285605 E22/G02 F 125,000.00 ZZ 360 125,000.00 1 6.875 821.16 79 6.625 821.16 COLORADO SPRING CO 80904 5 12/09/02 00 0415521442 05 02/01/03 0 0415521442 O 01/01/33 0 8285617 L16/G02 F 126,000.00 ZZ 360 125,894.15 4 6.875 827.73 90 6.625 827.73 BAKERSFIELD CA 93301 1 11/21/02 04 0435108717 05 01/01/03 25 8228 N 12/01/32 0 8285621 E22/G02 F 171,785.00 ZZ 360 171,785.00 1 6.500 1,085.80 85 6.250 1,085.80 OKLAHOMA CITY OK 73162 5 12/09/02 04 0415540764 05 02/01/03 12 0415540764 O 01/01/33 0 8285633 E22/G02 F 110,000.00 ZZ 360 110,000.00 1 6.375 686.26 45 6.125 686.26 DURANGO CO 81301 2 12/09/02 00 0415552876 05 02/01/03 0 0415552876 O 01/01/33 0 8285657 E22/G02 F 450,000.00 ZZ 360 450,000.00 1 6.250 2,770.73 73 6.000 2,770.73 REDWOOD CITY CA 94068 2 12/02/02 00 0415567833 05 02/01/03 0 0415567833 O 01/01/33 0 1 8285695 E22/G02 F 181,600.00 ZZ 360 181,600.00 1 7.000 1,208.19 80 6.750 1,208.19 CASTLE ROCK CO 80104 1 12/13/02 00 0415591494 05 02/01/03 0 0415591494 N 01/01/33 0 8285713 E22/G02 F 148,000.00 T 360 148,000.00 1 6.625 947.66 80 6.375 947.66 PALM DESERT CA 92211 1 12/08/02 00 0415608827 05 02/01/03 0 0415608827 O 01/01/33 0 8285715 E22/G02 F 250,000.00 ZZ 360 250,000.00 1 6.000 1,498.88 74 5.750 1,498.88 SPRINGFIELD VA 22150 1 12/12/02 00 0415614957 05 02/01/03 0 0415614957 O 01/01/33 0 8285735 E22/G02 F 300,000.00 ZZ 360 300,000.00 1 6.375 1,871.61 73 6.125 1,871.61 CERRITOS CA 90703 5 12/06/02 00 0415661388 05 02/01/03 0 0415661388 O 01/01/33 0 8285789 E82/G02 F 143,200.00 ZZ 360 143,200.00 1 6.375 893.38 80 6.125 893.38 OMAK WA 98841 2 12/06/02 00 0400739694 05 02/01/03 0 3776080 O 01/01/33 0 8285795 E22/G02 F 413,500.00 ZZ 360 413,500.00 1 6.500 2,613.60 75 6.250 2,613.60 1 SOUTH SAN FRANC CA 94080 5 12/05/02 00 0415418052 05 02/01/03 0 0415418052 O 01/01/33 0 8285805 E22/G02 F 307,000.00 ZZ 360 307,000.00 1 6.250 1,890.25 80 6.000 1,890.25 BEND OR 97702 5 11/27/02 00 0415419001 03 02/01/03 0 0415419001 O 01/01/33 0 8285823 E22/G02 F 71,600.00 ZZ 360 71,600.00 1 7.375 494.52 80 7.125 494.52 PORT SAINT LUCI FL 34983 1 12/13/02 00 0415427566 05 02/01/03 0 0415427566 N 01/01/33 0 8285831 E22/G02 F 105,500.00 ZZ 360 105,500.00 1 6.750 684.27 78 6.500 684.27 PUEBLO WEST CO 81007 5 12/09/02 00 0415428796 05 02/01/03 0 0415428796 O 01/01/33 0 8285833 E22/G02 F 572,680.00 ZZ 360 572,680.00 1 6.250 3,526.09 75 6.000 3,526.09 THOUSAND OAKS CA 91362 1 12/06/02 00 0415429364 03 02/01/03 0 0415429364 O 01/01/33 0 8285849 E22/G02 F 270,000.00 ZZ 360 270,000.00 1 6.250 1,662.44 75 6.000 1,662.44 CASTROVILLE CA 95012 5 12/05/02 00 0415437524 05 02/01/03 0 0415437524 O 01/01/33 0 1 8285853 E22/G02 F 152,000.00 ZZ 360 152,000.00 1 6.375 948.28 80 6.125 948.28 FRISCO TX 75035 5 12/09/02 00 0415439256 03 02/01/03 0 0415439256 O 01/01/33 0 8285857 E22/G02 F 19,000.00 ZZ 360 19,000.00 1 6.625 121.66 100 6.375 121.66 POTOSI MO 63664 1 12/13/02 04 0415439439 05 02/01/03 35 0415439439 O 01/01/33 0 8285883 E22/G02 F 71,250.00 ZZ 240 71,250.00 1 6.750 541.76 95 6.500 541.76 VERNON AL 35592 5 12/09/02 10 0415461003 05 02/01/03 30 0415461003 O 01/01/23 0 8285899 E82/G02 F 230,000.00 ZZ 360 230,000.00 1 6.500 1,453.76 76 6.250 1,453.76 CHINO HILLS CA 91709 2 12/03/02 00 0400738217 05 02/01/03 0 0400738217 O 01/01/33 0 8285909 E22/G02 F 207,200.00 ZZ 360 207,200.00 1 6.375 1,292.66 80 6.125 1,292.66 HIALEAH FL 33012 1 12/13/02 00 0415471127 05 02/01/03 0 0415471127 O 01/01/33 0 8285951 E22/G02 F 200,000.00 ZZ 360 200,000.00 2 1 6.625 1,280.62 80 6.375 1,280.62 SALT LAKE CITY UT 84109 1 12/10/02 00 0415507664 05 02/01/03 0 0415507664 O 01/01/33 0 8285971 E22/G02 F 312,000.00 ZZ 360 312,000.00 1 6.375 1,946.47 74 6.125 1,946.47 LINCOLN CA 95648 2 12/04/02 00 0415184308 05 02/01/03 0 0415184308 O 01/01/33 0 8285983 E22/G02 F 380,000.00 ZZ 360 380,000.00 1 6.500 2,401.86 80 6.250 2,401.86 CARMICHAEL CA 95608 5 12/09/02 00 0415311778 05 02/01/03 0 0415311778 O 01/01/33 0 8285995 E22/G02 F 70,500.00 ZZ 360 70,500.00 1 6.375 439.83 53 6.125 439.83 NOVI MI 48375 2 12/09/02 00 0415345289 01 02/01/03 0 0415345289 O 01/01/33 0 8286001 E22/G02 F 156,000.00 ZZ 360 156,000.00 1 6.625 998.89 80 6.375 998.89 SAN ANTONIO TX 78209 5 12/03/02 00 0415354737 05 02/01/03 0 0415354737 O 01/01/33 0 8286003 E22/G02 F 108,000.00 ZZ 360 108,000.00 1 6.875 709.48 80 6.625 709.48 PLANO TX 75075 5 12/09/02 00 0415359835 05 02/01/03 0 1 0415359835 O 01/01/33 0 8286005 E22/G02 F 270,400.00 ZZ 360 270,400.00 3 6.750 1,753.81 80 6.500 1,753.81 TAUNTON MA 02780 5 12/09/02 00 0415364967 05 02/01/03 0 0415364967 O 01/01/33 0 8286023 E22/G02 F 132,000.00 ZZ 360 132,000.00 2 6.750 856.15 80 6.500 856.15 HEMET CA 92543 1 12/09/02 00 0415402064 05 02/01/03 0 0415402064 N 01/01/33 0 8286069 420/G02 F 268,000.00 ZZ 360 267,757.73 1 6.500 1,693.94 80 6.250 1,693.94 ANTIOCH CA 94531 1 11/25/02 00 0435073481 05 01/01/03 0 72004057 O 12/01/32 0 8286215 940/G02 F 185,000.00 ZZ 360 185,000.00 1 6.000 1,109.17 76 5.750 1,109.17 RANCHO CUCAMONG CA 91701 5 12/03/02 00 0435121181 05 02/01/03 0 40021148 O 01/01/33 0 8286387 X81/G02 F 58,000.00 ZZ 360 58,000.00 1 7.250 395.66 80 7.000 395.66 DASSEL MN 55325 1 12/12/02 00 0435089867 05 02/01/03 0 952784 N 01/01/33 0 1 8286393 H81/G02 F 128,000.00 ZZ 360 127,875.59 1 6.125 777.74 80 5.875 777.74 MENOMONEE FALLS WI 53051 1 12/04/02 00 0435123575 05 01/01/03 0 WH17408 O 12/01/32 0 8286553 E47/G02 F 254,000.00 ZZ 360 253,759.00 1 6.250 1,563.92 75 6.000 1,563.92 MARTINEZ CA 94553 5 11/21/02 00 0435121959 05 01/01/03 0 7359520691 O 12/01/32 0 8286973 E47/G02 F 104,800.00 ZZ 360 104,700.56 1 6.250 645.27 80 6.000 645.27 WINTON CA 95388 5 11/22/02 00 0435157680 05 01/01/03 0 7359512689 O 12/01/32 0 8287133 U28/G02 F 204,000.00 ZZ 360 203,844.77 1 7.375 1,408.98 80 7.125 1,408.98 ATLANTA GA 30317 2 12/09/02 00 0435063151 05 01/01/03 0 2000005006 N 12/01/32 0 8287145 S11/G02 F 648,000.00 ZZ 360 648,000.00 4 6.875 4,256.90 80 6.625 4,256.90 SUNNYVALE CA 94087 2 12/11/02 00 0435125018 05 02/01/03 0 10209389 O 01/01/33 0 8287291 A46/G02 F 84,000.00 ZZ 360 83,925.88 1 6.625 537.87 74 6.375 537.87 1 SAN ANTONIO TX 78247 1 11/21/02 00 0435062815 03 01/01/03 0 0319796 N 12/01/32 0 8287427 286/286 F 495,000.00 ZZ 360 494,080.62 1 6.375 3,088.16 80 6.125 3,088.16 NEEDHAM MA 02492 2 10/10/02 00 1607516 05 12/01/02 0 1607516 O 11/01/32 0 8287433 286/286 F 400,000.00 ZZ 360 399,238.95 1 6.250 2,462.87 49 6.000 2,462.87 DARIEN CT 06820 5 10/09/02 00 1573439 05 12/01/02 0 1573439 O 11/01/32 0 8287439 286/286 F 153,000.00 ZZ 360 152,630.76 4 7.125 1,030.79 85 6.875 1,030.79 PONTIAC MI 48314 1 09/06/02 11 1544645 05 11/01/02 20 1544645 N 10/01/32 0 8287457 286/286 F 110,250.00 ZZ 360 110,085.83 3 7.500 770.89 90 7.250 770.89 INDIANAPOLIS IN 46224 1 10/08/02 21 1622932 05 12/01/02 25 1622932 N 11/01/32 0 8287461 286/286 F 328,000.00 ZZ 360 327,375.92 1 6.250 2,019.56 80 6.000 2,019.56 DEERFIELD IL 60015 5 10/15/02 00 1588181 05 12/01/02 0 1588181 O 11/01/32 0 1 8287465 286/286 F 132,000.00 ZZ 360 131,793.42 1 7.250 900.48 80 7.000 900.48 BEAVERCREEK OH 45434 5 10/25/02 00 1521670 05 12/01/02 0 1521670 N 11/01/32 0 8287469 286/286 F 416,000.00 ZZ 360 415,207.28 1 6.250 2,561.39 51 6.000 2,561.39 GREENBRAE CA 94132 2 10/04/02 00 1563537 05 12/01/02 0 1563537 O 11/01/32 0 8287473 286/286 F 251,750.00 ZZ 360 251,336.08 3 7.000 1,674.90 95 6.750 1,674.90 BROCKTON MA 02301 5 10/10/02 12 1482857 05 12/01/02 30 1482857 O 11/01/32 0 8287477 286/286 F 420,000.00 ZZ 360 419,219.91 1 6.375 2,620.26 77 6.125 2,620.26 BOWLING GREEN KY 42103 2 10/17/02 00 1564595 05 12/01/02 0 1564595 O 11/01/32 0 8287481 286/286 F 297,500.00 ZZ 360 296,998.69 4 6.875 1,954.37 85 6.625 1,954.37 NASHUA NH 03060 1 10/24/02 11 1589656 05 12/01/02 20 1589656 N 11/01/32 0 8287485 286/286 F 400,000.00 ZZ 360 399,257.07 1 1 6.375 2,495.48 71 6.125 2,495.48 SPRINGFIELD NJ 07081 1 10/17/02 00 1073879 05 12/01/02 0 1073879 O 11/01/32 0 8287489 286/286 F 224,000.00 ZZ 360 223,649.45 1 7.250 1,528.08 80 7.000 1,528.08 ROCHESTER HILLS MI 48306 5 10/25/02 00 1666683 05 12/01/02 0 1666683 N 11/01/32 0 8287505 286/286 F 132,300.00 ZZ 360 132,092.96 3 7.250 902.52 90 7.000 902.52 MONROE MI 48161 1 10/30/02 14 1673858 05 12/01/02 25 1673858 N 11/01/32 0 8287507 286/286 F 393,000.00 ZZ 360 391,979.16 1 6.750 2,549.00 55 6.500 2,549.00 MINNEAPOLIS MN 55416 2 09/18/02 00 1542587 05 11/01/02 0 1542587 O 10/01/32 0 8287509 286/286 F 57,200.00 ZZ 360 57,101.22 1 6.750 371.00 80 6.500 371.00 HAMPTON VA 23664 5 10/17/02 00 1570614 05 12/01/02 0 1570614 N 11/01/32 0 8287511 286/286 F 60,000.00 ZZ 360 59,896.39 1 6.750 389.16 80 6.500 389.16 HAMPTON VA 23664 5 10/17/02 00 1570617 05 12/01/02 0 1 1570617 N 11/01/32 0 8287513 286/286 F 380,000.00 ZZ 360 379,277.00 1 6.250 2,339.73 59 6.000 2,339.73 SAN LEANDRO CA 94579 2 10/01/02 00 1575729 05 12/01/02 0 1575729 O 11/01/32 0 8287517 286/286 F 602,250.00 ZZ 360 601,104.14 1 6.250 3,708.16 80 6.000 3,708.16 STAMFORD CT 06903 2 10/15/02 00 1611969 05 12/01/02 0 1611969 O 11/01/32 0 8287519 286/286 F 113,400.00 ZZ 360 113,231.15 3 7.500 792.91 90 7.250 792.91 ST ALBANS VT 05478 1 10/31/02 12 1417966 05 12/01/02 25 1417966 N 11/01/32 0 8287521 286/286 F 99,000.00 ZZ 360 98,816.11 1 6.375 617.64 90 6.125 617.64 RESTON VA 20190 1 10/18/02 11 1605576 01 12/01/02 25 1605576 O 11/01/32 0 8287523 286/286 F 73,000.00 ZZ 360 72,712.76 1 7.375 504.20 77 7.125 504.20 RIO RANCHO NM 87124 2 07/19/02 00 1436189 05 09/01/02 0 1436189 N 08/01/32 0 1 8287525 286/286 F 440,000.00 ZZ 360 439,182.77 1 6.375 2,745.03 80 6.125 2,745.03 FAIRFIELD VT 05455 5 10/03/02 00 1616884 05 12/01/02 0 1616884 O 11/01/32 0 8287527 286/286 F 176,000.00 ZZ 360 175,665.13 4 6.250 1,083.67 80 6.000 1,083.67 CINCINNATI OH 45209 1 10/24/02 00 1653711 05 12/01/02 0 1653711 N 11/01/32 0 8287531 286/286 F 114,300.00 ZZ 360 114,002.05 4 7.500 799.21 90 7.250 799.21 ST LOUIS MO 63116 1 10/18/02 11 1655465 05 12/01/02 25 1655465 N 11/01/32 0 8287533 286/286 F 127,800.00 ZZ 360 127,595.43 4 7.500 893.60 90 7.250 893.60 ST LOUIS MO 63116 1 10/18/02 11 1655479 05 12/01/02 25 1655479 N 11/01/32 0 8287539 286/286 F 300,000.00 ZZ 360 299,542.04 4 7.375 2,072.03 86 7.125 2,072.03 WASHINGTON DC 20001 1 10/11/02 11 1642525 05 12/01/02 25 1642525 N 11/01/32 0 8287543 286/286 F 388,000.00 ZZ 360 387,313.45 1 6.625 2,484.41 80 6.375 2,484.41 1 ROSEVILLE CA 95747 5 10/02/02 00 1550948 05 12/01/02 0 1550948 O 11/01/32 0 8287549 286/286 F 349,350.00 ZZ 360 348,746.73 1 6.750 2,265.88 80 6.500 2,265.88 BEVERLY MA 01915 2 10/17/02 00 1548308 05 12/01/02 0 1548308 O 11/01/32 0 8287551 286/286 F 396,800.00 T 360 396,097.88 1 6.625 2,540.76 75 6.375 2,540.76 NEWTON MA 02459 2 10/03/02 00 1332435 05 12/01/02 0 1332435 O 11/01/32 0 8287553 286/286 F 345,000.00 ZZ 360 344,359.20 3 6.375 2,152.36 77 6.125 2,152.36 DORCHESTER MA 02122 5 10/08/02 00 1618289 05 12/01/02 0 1618289 O 11/01/32 0 8287555 286/286 F 464,000.00 ZZ 360 463,178.98 1 6.625 2,971.05 67 6.375 2,971.05 RANCHO PALO VER CA 90275 2 10/08/02 00 1569015 05 12/01/02 0 1569015 O 11/01/32 0 8287557 286/286 F 650,000.00 ZZ 360 648,863.07 1 7.875 4,712.96 65 7.625 4,712.96 ROCKTON IL 61072 2 10/11/02 00 1413368 05 12/01/02 0 1413368 O 11/01/32 0 1 8287559 286/286 F 73,233.00 ZZ 360 73,075.68 4 7.500 512.06 90 7.250 512.06 NEW PARIS OH 45347 1 10/18/02 12 1611050 05 12/01/02 25 1611050 N 11/01/32 0 8287561 286/286 F 360,000.00 ZZ 360 359,109.56 1 7.000 2,395.09 80 6.750 2,395.09 PINE CO 80470 1 09/30/02 00 1500557 05 11/01/02 0 1500557 N 10/01/32 0 8287563 286/286 F 122,400.00 ZZ 360 122,213.15 1 7.375 845.39 95 7.125 845.39 ORLANDO FL 32824 1 10/24/02 14 1666222 03 12/01/02 30 1666222 O 11/01/32 0 8287569 286/286 F 79,920.00 ZZ 360 79,775.03 1 7.000 531.71 80 6.750 531.71 LANSING MI 48910 1 10/09/02 00 1639065 05 12/01/02 0 1639065 N 11/01/32 0 8287571 286/286 F 139,500.00 ZZ 360 139,292.29 4 7.500 975.41 90 7.250 975.41 TAMPA FL 33616 1 10/17/02 14 1706478 05 12/01/02 25 1706478 N 11/01/32 0 8287573 286/286 F 468,000.00 ZZ 360 467,171.90 1 1 6.625 2,996.66 60 6.375 2,996.66 RANCHO PALOS VE CA 90275 2 10/02/02 00 1568847 05 12/01/02 0 1568847 O 11/01/32 0 8287575 286/286 F 400,000.00 ZZ 360 399,238.95 1 6.250 2,462.87 72 6.000 2,462.87 WOODLAND HILLS CA 91367 2 10/09/02 00 1569351 03 12/01/02 0 1569351 O 11/01/32 0 8287611 286/286 F 341,000.00 ZZ 360 340,381.77 3 6.500 2,155.36 88 6.250 2,155.36 SALEM MA 01970 5 10/17/02 12 1481308 05 12/01/02 25 1481308 O 11/01/32 0 8287617 286/286 F 418,000.00 ZZ 360 417,622.12 1 6.500 2,642.05 90 6.250 2,642.05 TORRANCE CA 90503 2 10/28/02 14 1113778 05 01/01/03 25 1113778 O 12/01/32 0 8287619 286/286 F 650,000.00 ZZ 360 648,792.76 1 6.375 4,055.15 75 6.125 4,055.15 ALEXANDRIA VA 22301 2 10/15/02 00 0001253667 05 12/01/02 0 0001253667 O 11/01/32 0 8287623 286/286 F 480,000.00 ZZ 360 479,190.75 1 6.875 3,153.26 74 6.625 3,153.26 LAGUNA BEACH CA 92651 5 10/18/02 00 1628656 05 12/01/02 0 1 1628656 O 11/01/32 0 8287625 286/286 F 163,800.00 ZZ 360 163,608.59 2 6.875 1,076.05 80 6.625 1,076.05 SACRAMENTO CA 95827 5 11/01/02 00 1649611 05 01/01/03 0 1649611 O 12/01/32 0 8287629 286/286 F 384,000.00 ZZ 360 383,368.62 1 7.000 2,554.77 80 6.750 2,554.77 PACIFIC GROVE CA 93950 5 10/25/02 00 1638252 05 12/01/02 0 1638252 O 11/01/32 0 8287631 286/286 F 490,000.00 ZZ 360 489,089.90 1 6.375 3,056.97 59 6.125 3,056.97 OREGON CITY OR 97045 5 10/18/02 00 1611400 05 12/01/02 0 1611400 O 11/01/32 0 8287633 286/286 F 108,000.00 ZZ 360 107,808.89 1 6.625 691.54 80 6.375 691.54 PORTLAND OR 97220 1 10/21/02 00 1669572 05 12/01/02 0 1669572 N 11/01/32 0 8287635 286/286 F 56,000.00 ZZ 360 55,805.51 1 6.750 363.22 80 6.500 363.22 BREMERTON WA 98337 5 10/22/02 00 1255068 01 12/01/02 0 1255068 N 11/01/32 0 1 8287641 286/286 F 288,000.00 ZZ 360 287,465.08 4 6.375 1,796.75 80 6.125 1,796.75 RENO NV 89501 1 10/24/02 00 1647296 05 12/01/02 0 1647296 N 11/01/32 0 8287645 286/286 F 435,000.00 ZZ 360 433,799.82 1 6.625 2,785.36 74 6.375 2,785.36 PETALUMA CA 94954 5 10/25/02 00 1699738 05 12/01/02 0 1699738 O 11/01/32 0 8287647 286/286 F 144,000.00 ZZ 360 143,879.02 1 6.875 945.98 69 6.625 945.98 CHULA VISTA CA 91911 2 11/04/02 00 1629210 01 01/01/03 0 1629210 O 12/01/32 0 8287649 286/286 F 207,000.00 ZZ 360 206,152.58 3 8.000 1,518.90 90 7.750 1,518.90 CHICAGO IL 60641 1 06/25/02 11 1313340 05 08/01/02 25 1313340 N 07/01/32 0 8287651 286/286 F 264,000.00 ZZ 360 263,521.39 1 6.500 1,668.66 80 6.250 1,668.66 CORONA CA 92881 2 10/09/02 00 1521778 01 12/01/02 0 1521778 O 11/01/32 0 8287653 286/286 F 352,000.00 ZZ 360 351,361.85 1 6.500 2,224.88 80 6.250 2,224.88 1 HIGHLAND CA 92346 5 10/10/02 00 1554113 05 12/01/02 0 1554113 O 11/01/32 0 8287655 286/286 F 211,500.00 ZZ 360 211,185.09 3 7.500 1,478.84 90 7.250 1,478.84 BROOKLYN NY 11207 1 10/25/02 11 1623928 05 12/01/02 25 1623928 O 11/01/32 0 8287659 286/286 F 414,900.00 ZZ 360 414,576.34 2 7.250 2,830.35 90 7.000 2,830.35 CORONA NY 11368 1 11/18/02 14 1678986 05 01/01/03 25 1678986 O 12/01/32 0 8287661 286/286 F 71,100.00 ZZ 360 70,980.18 4 6.875 467.08 90 6.625 467.08 DICKINSON TX 77539 1 10/15/02 11 948402 05 12/01/02 25 948402 N 11/01/32 0 8287665 286/286 F 121,500.00 ZZ 360 121,323.56 4 7.625 859.97 90 7.375 859.97 PHOENIX AZ 85020 1 10/22/02 10 1524357 05 12/01/02 25 1524357 N 11/01/32 0 8287669 286/286 F 500,000.00 T 360 499,136.58 1 6.750 3,243.00 67 6.500 3,243.00 NEWPORT BEACH CA 92663 1 10/25/02 00 1647350 01 12/01/02 0 1647350 O 11/01/32 0 1 8287671 286/286 F 97,600.00 ZZ 360 97,523.86 2 7.250 665.81 80 7.000 665.81 INDIANAPOLIS IN 46227 2 11/08/02 00 1752887 05 01/01/03 0 1752887 N 12/01/32 0 8287673 286/286 F 112,500.00 ZZ 360 112,332.49 3 7.500 786.62 90 7.250 786.62 PROVIDENCE RI 02908 1 10/31/02 14 1729519 05 12/01/02 25 1729519 N 11/01/32 0 8287675 286/286 F 135,000.00 ZZ 360 134,798.99 3 7.500 943.94 90 7.250 943.94 PROVIDENCE RI 02909 1 10/31/02 11 1729541 05 12/01/02 25 1729541 N 11/01/32 0 8287679 286/286 F 120,600.00 ZZ 360 120,420.42 4 7.500 843.26 90 7.250 843.26 GRETNA LA 70056 1 10/21/02 11 1670844 05 12/01/02 25 1670844 N 11/01/32 0 8287683 286/286 F 630,000.00 ZZ 360 629,416.49 2 6.375 3,930.39 75 6.125 3,930.39 SAN FRANCISCO CA 94107 1 11/05/02 00 1616653 05 01/01/03 0 1616653 O 12/01/32 0 8287687 286/286 F 187,000.00 ZZ 360 186,721.55 4 1 7.500 1,307.54 85 7.250 1,307.54 NEWARK NJ 07106 1 10/29/02 11 1737058 05 12/01/02 20 1737058 N 11/01/32 0 8287689 286/286 F 310,000.00 ZZ 360 309,410.17 1 6.250 1,908.73 79 6.000 1,908.73 CONCORD CA 94521 1 10/24/02 00 1699474 05 12/01/02 0 1699474 N 11/01/32 0 8287691 286/286 F 432,800.00 ZZ 360 431,996.15 1 6.375 2,700.11 80 6.125 2,700.11 MOUNT LAUREL NJ 08054 5 10/25/02 00 1615018 03 12/01/02 0 1615018 O 11/01/32 0 8287693 286/286 F 287,910.00 ZZ 360 287,467.73 3 7.625 2,037.81 90 7.375 2,037.81 BROCKTON MA 02302 1 10/25/02 12 1714592 05 12/01/02 25 1714592 N 11/01/32 0 8287695 286/286 F 139,550.00 ZZ 360 139,284.84 1 6.875 916.75 95 6.625 916.75 COCONUT CREEK FL 33073 1 10/17/02 21 1599382 03 12/01/02 30 1599382 O 11/01/32 0 8287697 286/286 F 193,500.00 ZZ 360 193,165.86 3 6.750 1,255.04 90 6.500 1,255.04 HALLANDALE FL 33009 1 10/21/02 10 1637792 05 12/01/02 25 1 1637792 N 11/01/32 0 8287701 286/286 F 116,450.00 ZZ 360 116,233.54 3 6.375 726.50 85 6.125 726.50 PHOENIX AZ 85015 1 10/28/02 21 1673393 05 12/01/02 20 1673393 N 11/01/32 0 8287703 286/286 F 116,450.00 ZZ 360 116,233.71 3 6.375 726.50 85 6.125 726.50 PHOENIX AZ 85015 1 10/28/02 21 1673397 05 12/01/02 20 1673397 N 11/01/32 0 8287705 286/286 F 95,200.00 ZZ 360 95,023.19 2 6.375 593.92 80 6.125 593.92 BATON ROUGE LA 70816 5 10/15/02 00 1613278 05 12/01/02 0 1613278 O 11/01/32 0 8287707 286/286 F 81,000.00 ZZ 360 80,822.96 1 7.625 573.32 90 7.375 573.32 DETROIT MI 48205 1 10/03/02 12 1569228 05 11/01/02 30 1569228 N 10/01/32 0 8287709 286/286 F 395,000.00 ZZ 360 393,931.45 1 6.250 2,432.09 56 6.000 2,432.09 WILTON CT 06897 2 10/11/02 00 1587558 05 12/01/02 0 1587558 O 11/01/32 0 1 8287711 286/286 F 175,500.00 ZZ 360 175,181.84 4 6.500 1,109.28 90 6.250 1,109.28 NEWARK NJ 07101 1 10/25/02 10 1467625 05 12/01/02 25 1467625 N 11/01/32 0 8287715 286/286 F 124,000.00 ZZ 360 123,737.56 1 6.625 793.99 80 6.375 793.99 BURLINGTON MA 01803 5 10/10/02 00 1579730 01 12/01/02 0 1579730 O 11/01/32 0 8287719 286/286 F 385,000.00 ZZ 360 383,345.52 1 6.875 2,529.18 72 6.625 2,529.18 TORRANCE CA 90505 2 10/15/02 00 1600000 05 12/01/02 0 1600000 O 11/01/32 0 8287721 286/286 F 106,020.00 ZZ 360 105,860.24 4 7.500 741.31 90 7.250 741.31 ST LOUIS MO 63111 1 10/17/02 11 1314988 05 12/01/02 25 1314988 N 11/01/32 0 8287723 286/286 F 355,000.00 ZZ 360 354,324.56 1 6.250 2,185.80 63 6.000 2,185.80 SAN MARINO CA 91108 2 10/01/02 00 1569163 05 12/01/02 0 1569163 O 11/01/32 0 8287725 286/286 F 235,800.00 ZZ 360 235,457.58 3 7.625 1,668.98 90 7.375 1,668.98 1 MANCHESTER NH 03103 1 10/31/02 11 1667644 05 12/01/02 25 1667644 N 11/01/32 0 8287729 286/286 F 206,910.00 ZZ 360 206,601.92 3 7.500 1,446.75 90 7.250 1,446.75 NEW BEDFORD MA 02740 1 10/08/02 12 1604210 05 12/01/02 25 1604210 N 11/01/32 0 8287733 286/286 F 492,500.00 ZZ 360 491,628.54 1 6.625 3,153.54 55 6.375 3,153.54 SAN FRANCISCO CA 94131 2 10/11/02 00 1588116 05 12/01/02 0 1588116 O 11/01/32 0 8287737 286/286 F 452,000.00 ZZ 360 450,200.21 1 6.625 2,894.21 57 6.375 2,894.21 SAN RAFAEL CA 94901 2 10/16/02 00 1596884 05 12/01/02 0 1596884 O 11/01/32 0 8287741 286/286 F 94,700.00 ZZ 360 94,496.10 3 6.500 598.57 87 6.250 598.57 SPRINGFIELD MA 01104 2 10/25/02 11 1590060 05 12/01/02 12 1590060 O 11/01/32 0 8287743 286/286 F 318,000.00 ZZ 360 317,409.37 1 6.375 1,983.91 76 6.125 1,983.91 EASTON CT 06612 5 10/23/02 00 1607942 05 12/01/02 0 1607942 O 11/01/32 0 1 8287745 286/286 F 339,000.00 ZZ 360 338,370.37 1 6.375 2,114.92 78 6.125 2,114.92 WOODBURY MN 55129 2 10/17/02 00 1597023 05 12/01/02 0 1597023 O 11/01/32 0 8287747 286/286 F 382,000.00 ZZ 360 381,431.23 1 7.500 2,671.00 54 7.250 2,671.00 LONG LAKE IL 60047 2 10/11/02 00 1655847 03 12/01/02 0 1655847 O 11/01/32 0 8287749 286/286 F 181,900.00 ZZ 360 181,544.90 1 7.000 1,210.19 85 6.750 1,210.19 LAGUNA HILLS CA 92653 5 10/16/02 11 1596894 01 12/01/02 12 1596894 O 11/01/32 0 8287751 286/286 F 332,000.00 ZZ 360 331,094.71 1 6.500 2,098.47 60 6.250 2,098.47 JACKSONVILLE FL 32250 5 09/20/02 00 1600374 05 11/01/02 0 1600374 O 10/01/32 0 8287753 286/286 F 390,000.00 ZZ 360 389,087.54 1 6.500 2,465.07 41 6.250 2,465.07 SANTA BARBARA CA 93109 2 10/01/02 00 1568860 05 12/01/02 0 1568860 O 11/01/32 0 8287755 286/286 F 116,000.00 ZZ 360 115,784.55 1 1 6.375 723.69 80 6.125 723.69 PURCELLVILLE VA 20132 1 10/31/02 00 1725702 03 12/01/02 0 1725702 N 11/01/32 0 8287757 286/286 F 110,250.00 ZZ 360 110,020.89 3 7.875 799.39 90 7.625 799.39 MILWAUKEE WI 53212 1 09/06/02 12 1488616 05 11/01/02 25 1488616 N 10/01/32 0 8287759 286/286 F 340,800.00 ZZ 360 340,087.27 1 6.625 2,182.18 80 6.375 2,182.18 LAGUNA NIGUEL CA 92677 1 10/21/02 00 1602146 03 12/01/02 0 1602146 O 11/01/32 0 8287761 286/286 F 284,000.00 ZZ 360 283,472.50 4 6.375 1,771.80 80 6.125 1,771.80 WASHINGTON DC 20010 5 10/07/02 00 1388699 05 12/01/02 0 1388699 O 11/01/32 0 8287765 286/286 F 81,600.00 ZZ 360 81,478.50 1 7.500 570.56 80 7.250 570.56 MIAMI FL 33015 1 10/08/02 00 1621264 01 12/01/02 0 1621264 N 11/01/32 0 8287767 286/286 F 640,000.00 ZZ 360 638,811.31 1 6.375 3,992.77 56 6.125 3,992.77 RIDGEFIELD CT 06877 2 10/21/02 00 1463609 05 12/01/02 0 1 1463609 O 11/01/32 0 8287937 S11/G02 F 118,750.00 ZZ 360 118,750.00 1 6.875 780.10 95 6.625 780.10 PALM DESERT CA 92260 1 12/04/02 04 0435122809 03 02/01/03 30 10210287 O 01/01/33 0 8287997 696/G02 F 399,900.00 ZZ 360 399,529.61 1 6.375 2,494.86 80 6.125 2,494.86 PURCELLVILLE VA 20132 1 11/26/02 00 0435134044 05 01/01/03 0 24002181 O 12/01/32 0 8288097 964/G02 F 342,165.00 ZZ 360 342,165.00 1 6.125 2,079.03 73 5.875 2,079.03 COLORADO SPRING CO 80908 1 12/13/02 00 0435128848 03 02/01/03 0 316199 O 01/01/33 0 8288257 286/286 F 648,750.00 ZZ 360 648,177.62 1 6.625 4,154.02 75 6.375 4,154.02 SHERMAN OAKS CA 91423 5 10/30/02 00 1669787 05 01/01/03 0 1669787 O 12/01/32 0 8288265 286/286 F 135,000.00 ZZ 360 134,848.64 3 7.250 920.94 90 7.000 920.94 HODGKINS IL 60525 1 11/14/02 19 1554100 05 01/01/03 25 1554100 O 12/01/32 0 1 8288277 286/286 F 139,500.00 ZZ 360 139,396.47 2 7.500 975.41 90 7.250 975.41 PATERSON NJ 07501 1 11/12/02 11 1746190 05 01/01/03 25 1746190 N 12/01/32 0 8288283 286/286 F 500,000.00 T 360 499,536.90 1 6.375 3,119.35 80 6.125 3,119.35 BRIGANTINE NJ 08203 1 11/13/02 00 1612307 05 01/01/03 0 1612307 O 12/01/32 0 8288289 286/286 F 108,000.00 ZZ 360 107,919.84 3 7.500 755.16 90 7.250 755.16 SOUTHBRIDGE MA 01550 1 11/08/02 14 1703833 05 01/01/03 25 1703833 N 12/01/32 0 8288293 286/286 F 84,600.00 ZZ 360 84,528.92 4 6.875 555.77 90 6.625 555.77 LAFAYETTE LA 70508 1 11/19/02 11 1765922 05 01/01/03 25 1765922 N 12/01/32 0 8288299 286/286 F 194,200.00 ZZ 360 193,728.12 1 6.250 1,195.73 90 6.000 1,195.73 SACRAMENTO CA 95829 1 10/28/02 10 1486756 05 12/01/02 25 1486756 N 11/01/32 0 8288301 286/286 F 144,000.00 ZZ 360 143,863.36 1 6.250 886.64 90 6.000 886.64 1 MERCED CA 95340 1 11/01/02 21 1716627 05 01/01/03 25 1716627 N 12/01/32 0 8288451 286/286 F 140,000.00 ZZ 360 139,831.25 1 7.125 943.21 80 6.875 943.21 RAMONA CA 92065 1 11/07/02 00 1738717 05 01/01/03 0 1738717 N 12/01/32 0 8288503 286/286 F 148,500.00 ZZ 360 148,359.09 1 6.250 914.35 90 6.000 914.35 CARMICHAEL CA 95608 1 11/11/02 10 1729367 05 01/01/03 30 1729367 O 12/01/32 0 8288507 286/286 F 300,000.00 ZZ 360 299,754.09 1 7.000 1,995.91 77 6.750 1,995.91 WINDSOR CA 95492 1 11/07/02 00 1761310 05 01/01/03 0 1761310 N 12/01/32 0 8288511 286/286 F 427,000.00 ZZ 360 426,446.35 1 6.875 2,805.09 80 6.625 2,805.09 SAN JOSE CA 95122 5 11/07/02 00 1639482 05 01/01/03 0 1639482 O 12/01/32 0 8288515 286/286 F 147,250.00 ZZ 360 147,055.13 3 7.250 1,004.51 95 7.000 1,004.51 NEW HAVEN CT 06511 1 11/07/02 14 1733874 05 01/01/03 30 1733874 O 12/01/32 0 1 8288521 286/286 F 366,000.00 ZZ 360 365,652.72 1 6.250 2,253.53 78 6.000 2,253.53 DALLAS TX 75225 2 11/13/02 00 1670704 05 01/01/03 0 1670704 N 12/01/32 0 8288525 286/286 F 68,000.00 ZZ 360 67,944.26 1 7.000 452.41 80 6.750 452.41 DEER PARK TX 77536 1 11/14/02 00 1792708 05 01/01/03 0 1792708 N 12/01/32 0 8288533 286/286 F 69,900.00 ZZ 360 69,694.34 1 6.750 453.38 88 6.500 453.38 LOUISVILLE KY 40204 1 10/25/02 12 1645069 01 12/01/02 25 1645069 O 11/01/32 0 8288541 286/286 F 113,200.00 ZZ 360 112,860.75 1 7.500 791.52 90 7.250 791.52 PALM BEACH GARD FL 33410 1 08/27/02 10 1485701 05 10/01/02 30 1485701 N 09/01/32 0 8288551 286/286 F 105,750.00 ZZ 360 105,564.67 1 6.875 694.70 90 6.625 694.70 WHITE CITY OR 97503 1 10/23/02 14 1684817 05 12/01/02 25 1684817 O 11/01/32 0 8288553 286/286 F 185,600.00 ZZ 360 185,423.89 1 1 6.250 1,142.78 80 6.000 1,142.78 WHEELING IL 60090 1 11/07/02 00 1418545 05 01/01/03 0 1418545 O 12/01/32 0 8288567 286/286 F 84,000.00 ZZ 360 83,861.88 1 7.000 558.86 80 6.750 558.86 ATLANTA GA 30331 5 11/01/02 00 1727755 05 12/01/02 0 1727755 N 11/01/32 0 8288583 286/286 F 175,000.00 ZZ 300 174,581.85 1 6.250 1,154.43 62 6.000 1,154.43 BRISTOL RI 02809 5 11/06/02 00 1636813 05 01/01/03 0 1636813 O 12/01/27 0 8288593 286/286 F 118,850.00 ZZ 360 118,634.52 1 6.500 751.22 90 6.250 751.22 BUFORD GA 30518 1 10/28/02 21 1724882 03 12/01/02 25 1724882 N 11/01/32 0 8288601 286/286 F 182,000.00 ZZ 360 181,551.82 1 6.875 1,195.61 80 6.625 1,195.61 BIG PINE KEY FL 33043 1 10/18/02 00 1643823 05 12/01/02 0 1643823 O 11/01/32 0 8288607 286/286 F 390,000.00 ZZ 360 389,239.94 1 6.125 2,369.69 60 5.875 2,369.69 ROLLING HILLS E CA 90274 1 10/22/02 00 1667721 05 12/01/02 0 1 1667721 O 11/01/32 0 8288619 286/286 F 92,800.00 ZZ 360 92,627.62 1 6.375 578.96 80 6.125 578.96 MESA AZ 85204 2 10/25/02 00 1606169 03 12/01/02 0 1606169 N 11/01/32 0 8288629 286/286 F 243,000.00 ZZ 360 242,580.38 1 6.750 1,576.10 90 6.500 1,576.10 LAS VEGAS NV 89123 2 10/29/02 12 1019421 05 12/01/02 25 1019421 N 11/01/32 0 8288635 286/286 F 450,000.00 ZZ 360 449,164.20 1 6.375 2,807.42 75 6.125 2,807.42 GLASTONBURY CT 06033 5 10/25/02 00 1670924 05 12/01/02 0 1670924 O 11/01/32 0 8288641 286/286 F 637,500.00 ZZ 360 636,284.94 1 7.250 4,348.87 75 7.000 4,348.87 KEY WEST FL 33040 1 10/18/02 00 1720767 05 12/01/02 0 1720767 O 11/01/32 0 8288649 286/286 F 135,000.00 ZZ 360 134,762.31 1 7.000 898.16 90 6.750 898.16 HENDERSON NV 89014 2 10/29/02 14 1627421 01 12/01/02 25 1627421 N 11/01/32 0 1 8288655 286/286 F 156,320.00 ZZ 360 156,062.97 1 7.000 1,040.01 80 6.750 1,040.01 WOODBRIDGE VA 22193 1 10/31/02 00 1713869 05 12/01/02 0 1713869 O 11/01/32 0 8288673 286/286 F 109,800.00 ZZ 360 109,315.52 3 7.625 777.16 90 7.375 777.16 N BROOKFIELD MA 01535 1 07/02/02 04 1391451 05 08/01/02 25 1391451 N 07/01/32 0 8288681 286/286 F 322,500.00 ZZ 360 321,915.34 1 6.500 2,038.42 75 6.250 2,038.42 WOBURN MA 01801 5 10/23/02 00 1655237 05 12/01/02 0 1655237 O 11/01/32 0 8288691 286/286 F 424,000.00 ZZ 360 423,607.29 1 6.375 2,645.21 80 6.125 2,645.21 SAN GABRIEL CA 91775 5 11/01/02 00 1655568 05 01/01/03 0 1655568 O 12/01/32 0 8288701 286/286 F 156,750.00 ZZ 360 156,516.61 1 7.500 1,096.02 95 7.250 1,096.02 BRIGHTON MA 02135 1 11/01/02 14 1679767 01 12/01/02 30 1679767 O 11/01/32 0 8288707 286/286 F 129,600.00 ZZ 360 129,503.82 1 7.500 906.18 80 7.250 906.18 1 BALTIMORE MD 21234 1 11/07/02 00 0001248709 05 01/01/03 0 0001248709 O 12/01/32 0 8288741 286/286 F 220,000.00 ZZ 360 219,801.12 1 6.500 1,390.55 80 6.250 1,390.55 MENIFEE CA 92584 5 11/15/02 00 1755322 05 01/01/03 0 1755322 O 12/01/32 0 8288811 286/286 F 203,600.00 ZZ 360 203,415.93 1 6.500 1,286.90 79 6.250 1,286.90 ARLETA AREA CA 91331 2 10/31/02 00 1647884 05 01/01/03 0 1647884 O 12/01/32 0 8288855 286/286 F 48,800.00 ZZ 360 48,515.16 1 6.750 316.52 80 6.500 316.52 DALLAS TX 75248 1 10/25/02 00 1683757 01 12/01/02 0 1683757 O 11/01/32 0 8288861 286/286 F 185,142.00 ZZ 360 184,970.52 1 6.375 1,155.05 69 6.125 1,155.05 BEAVER CREEK OR 97004 5 11/18/02 00 1649607 05 01/01/03 0 1649607 O 12/01/32 0 8288865 286/286 F 204,000.00 ZZ 360 203,840.86 1 7.250 1,391.64 80 7.000 1,391.64 DENVILLE NJ 07834 1 11/08/02 00 1725003 05 01/01/03 0 1725003 N 12/01/32 0 1 8288871 286/286 F 62,400.00 ZZ 360 62,292.24 1 6.750 404.73 80 6.500 404.73 SACRAMENTO CA 95820 1 10/23/02 00 1644734 05 12/01/02 0 1644734 N 11/01/32 0 8288889 286/286 F 125,500.00 ZZ 360 125,394.56 1 6.875 824.45 80 6.625 824.45 KAYSVILLE UT 84037 1 11/06/02 00 1712253 05 01/01/03 0 1712253 O 12/01/32 0 8288897 286/286 F 132,000.00 ZZ 360 131,874.75 1 6.250 812.75 80 6.000 812.75 LA PINE OR 97739 5 11/18/02 00 1693382 05 01/01/03 0 1693382 O 12/01/32 0 8288903 286/286 F 440,000.00 ZZ 360 439,621.16 1 6.750 2,853.84 80 6.500 2,853.84 CASTRO VALLEY CA 94552 5 11/04/02 00 1679267 03 01/01/03 0 1679267 O 12/01/32 0 8288907 286/286 F 194,000.00 ZZ 360 193,420.32 4 6.375 1,210.31 41 6.125 1,210.31 OAKLAND CA 94621 2 11/06/02 00 1628937 05 01/01/03 0 1628937 O 12/01/32 0 8288921 286/286 F 44,000.00 ZZ 360 43,963.93 2 1 7.000 292.74 80 6.750 292.74 INDIANAPOLIS IN 46225 2 11/12/02 00 1784397 05 01/01/03 0 1784397 N 12/01/32 0 8288927 286/286 F 65,250.00 ZZ 360 65,201.57 2 7.500 456.24 90 7.250 456.24 INDIANAPOLIS IN 46203 1 11/08/02 11 1752870 05 01/01/03 25 1752870 N 12/01/32 0 8288935 286/286 F 160,000.00 ZZ 360 159,855.36 1 6.500 1,011.31 80 6.250 1,011.31 HIGLEY AZ 85236 5 11/01/02 00 1680756 05 01/01/03 0 1680756 O 12/01/32 0 8288939 X82/G02 F 300,700.00 ZZ 360 300,428.16 1 6.500 1,900.63 67 6.250 1,900.63 HUNTINGTOWN MD 20639 1 11/19/02 00 0435112297 05 01/01/03 0 843574 O 12/01/32 0 8288943 286/286 F 200,000.00 ZZ 360 199,818.33 1 6.500 1,264.14 80 6.250 1,264.14 RENO NV 89512 5 11/01/02 00 1116952 03 01/01/03 0 1116952 O 12/01/32 0 8288965 286/286 F 137,600.00 ZZ 360 137,400.17 1 7.625 973.93 80 7.375 973.93 ORANGEVALE CA 95662 5 11/01/02 00 1684678 03 12/01/02 0 1 1684678 O 11/01/32 0 8288973 286/286 F 351,000.00 ZZ 360 350,697.80 1 6.750 2,276.58 90 6.500 2,276.58 BURBANK CA 91506 5 11/13/02 11 1720975 05 01/01/03 25 1720975 O 12/01/32 0 8288985 286/286 F 112,800.00 ZZ 360 112,602.15 1 6.500 712.98 80 6.250 712.98 DICKINSON ND 58601 2 11/13/02 00 1741393 05 01/01/03 0 1741393 N 12/01/32 0 8288995 286/286 F 241,600.00 ZZ 360 241,397.02 1 6.875 1,587.15 90 6.625 1,587.15 KATY TX 77450 1 11/07/02 10 1768564 03 01/01/03 25 1768564 O 12/01/32 0 8289017 975/G02 F 235,000.00 ZZ 360 235,000.00 1 6.250 1,446.94 75 6.000 1,446.94 SANTA ANA CA 92706 5 12/02/02 00 0435126750 05 02/01/03 0 2025111 O 01/01/33 0 8289021 286/286 F 331,000.00 ZZ 360 330,385.23 1 6.375 2,065.01 77 6.125 2,065.01 CHICAGO IL 60613 5 10/11/02 00 1522162 01 12/01/02 0 1522162 O 11/01/32 0 1 8289027 286/286 F 73,600.00 ZZ 360 73,484.81 1 7.250 502.09 80 7.000 502.09 FREDERICK MD 21703 1 11/04/02 00 1754205 09 12/01/02 0 1754205 N 11/01/32 0 8289031 286/286 F 64,000.00 ZZ 360 63,380.44 1 6.375 399.28 80 6.125 399.28 ALEXANDRIA VA 22312 1 10/08/02 00 1619344 01 12/01/02 0 1619344 N 11/01/32 0 8289035 286/286 F 362,000.00 ZZ 360 361,199.80 1 6.250 2,228.90 42 6.000 2,228.90 MORAGA CA 94556 2 10/21/02 00 1569245 05 12/01/02 0 1569245 O 11/01/32 0 8289039 286/286 F 110,250.00 ZZ 360 110,059.62 3 6.750 715.08 90 6.500 715.08 ALBUQUERQUE NM 87108 1 10/16/02 10 1664975 05 12/01/02 25 1664975 N 11/01/32 0 8289041 286/286 F 139,600.00 ZZ 360 139,473.80 1 6.500 882.37 80 6.250 882.37 ELOY AZ 85231 1 11/07/02 00 1704287 03 01/01/03 0 1704287 O 12/01/32 0 8289047 286/286 F 71,550.00 ZZ 360 71,435.22 2 7.125 482.05 90 6.875 482.05 1 MESA AZ 85201 1 11/01/02 12 1670791 05 12/01/02 12 1670791 N 11/01/32 0 8289049 286/286 F 116,000.00 ZZ 360 115,804.53 1 6.875 762.04 80 6.625 762.04 PONTIAC MI 48341 1 10/14/02 00 1667786 05 12/01/02 0 1667786 O 11/01/32 0 8289053 286/286 F 77,000.00 ZZ 360 76,930.38 1 6.500 486.70 72 6.250 486.70 TALLAHASSEE FL 32304 2 11/13/02 00 1625929 05 01/01/03 0 1625929 O 12/01/32 0 8289055 286/286 F 74,400.00 ZZ 360 74,227.68 1 6.125 452.07 80 5.875 452.07 LEXINGTON PARK MD 20653 1 11/01/02 00 1682954 09 01/01/03 0 1682954 N 12/01/32 0 8289063 286/286 F 413,000.00 ZZ 360 412,337.46 1 7.125 2,782.46 73 6.875 2,782.46 REDONDO BEACH CA 90278 2 10/23/02 00 1575751 05 12/01/02 0 1575751 O 11/01/32 0 8289067 286/286 F 91,900.00 ZZ 360 91,741.29 1 6.750 596.07 80 6.500 596.07 GERMANTOWN OH 45327 1 11/01/02 00 1685812 05 12/01/02 0 1685812 N 11/01/32 0 1 8289069 286/286 F 144,000.00 ZZ 360 143,785.59 4 7.500 1,006.87 90 7.250 1,006.87 KENNEWICK WA 99336 1 10/14/02 14 1576806 05 12/01/02 25 1576806 N 11/01/32 0 8289073 286/286 F 130,500.00 ZZ 360 130,274.63 4 6.750 846.43 90 6.500 846.43 PHOENIX AZ 85029 1 10/21/02 12 1718703 05 12/01/02 25 1718703 N 11/01/32 0 8289077 286/286 F 99,500.00 ZZ 360 99,407.83 1 6.375 620.76 59 6.125 620.76 TAYLOR MI 48180 2 11/01/02 00 1663015 05 01/01/03 0 1663015 O 12/01/32 0 8289091 286/286 F 96,000.00 ZZ 360 95,911.08 2 6.375 598.92 80 6.125 598.92 PROVIDENCE RI 02909 1 11/13/02 00 1672558 05 01/01/03 0 1672558 N 12/01/32 0 8289103 286/286 F 196,000.00 ZZ 360 195,627.07 1 6.250 1,206.81 90 6.000 1,206.81 SUMMERVILLE SC 29485 1 10/28/02 12 1651137 03 12/01/02 25 1651137 O 11/01/32 0 8289133 286/286 F 395,000.00 ZZ 360 394,248.45 1 1 6.250 2,432.09 36 6.000 2,432.09 WESTON CT 06883 2 10/25/02 00 1599390 05 12/01/02 0 1599390 O 11/01/32 0 8289139 286/286 F 345,000.00 ZZ 360 344,343.54 1 6.250 2,124.23 54 6.000 2,124.23 NAVENSINK NJ 07752 2 10/24/02 00 1569317 05 12/01/02 0 1569317 O 11/01/32 0 8289143 286/286 F 215,000.00 ZZ 360 214,819.37 1 6.875 1,412.40 79 6.625 1,412.40 PEWEE VALLEY KY 40056 2 11/07/02 00 1579978 05 01/01/03 0 1579978 O 12/01/32 0 8289149 286/286 F 162,700.00 ZZ 360 162,545.62 1 6.250 1,001.78 80 6.000 1,001.78 CELEBRATION FL 34747 1 11/01/02 00 1633577 05 01/01/03 0 1633577 N 12/01/32 0 8289251 286/286 F 36,000.00 ZZ 360 35,684.65 2 6.250 221.66 90 6.000 221.66 GLASSPORT PA 15045 1 11/14/02 10 1740923 05 01/01/03 25 1740923 N 12/01/32 0 8289253 286/286 F 128,000.00 ZZ 360 127,900.14 1 7.250 873.19 80 7.000 873.19 CARDINGTON OH 43315 5 11/07/02 00 1584729 05 01/01/03 0 1 1584729 O 12/01/32 0 8289255 286/286 F 251,000.00 ZZ 360 250,773.08 1 6.500 1,586.50 70 6.250 1,586.50 ADDISON IL 60101 5 11/05/02 00 1509955 05 01/01/03 0 1509955 O 12/01/32 0 8289257 286/286 F 210,000.00 ZZ 360 209,654.72 3 7.000 1,397.14 71 6.750 1,397.14 PORTLAND ME 04101 5 10/29/02 00 1674655 05 12/01/02 0 1674655 O 11/01/32 0 8289261 286/286 F 138,000.00 ZZ 360 137,336.47 1 6.250 849.69 46 6.000 849.69 BELLEVUE WA 98006 5 10/23/02 00 1528085 05 12/01/02 0 1528085 O 11/01/32 0 8289267 286/286 F 364,650.00 ZZ 360 363,951.39 1 7.375 2,518.55 85 7.125 2,518.55 DURAND IL 61024 1 10/30/02 12 1345437 05 12/01/02 12 1345437 O 11/01/32 0 8289269 286/286 F 164,800.00 ZZ 360 164,501.23 1 6.500 1,041.65 80 6.250 1,041.65 MAPLE GROVE MN 55369 5 10/21/02 00 1661297 05 12/01/02 0 1661297 O 11/01/32 0 1 8289271 286/286 F 145,000.00 ZZ 360 144,730.67 1 6.375 904.62 57 6.125 904.62 ALEXANDRIA VA 22310 5 10/18/02 00 1668107 09 12/01/02 0 1668107 O 11/01/32 0 8289273 286/286 F 248,000.00 ZZ 360 247,550.39 1 6.500 1,567.53 80 6.250 1,567.53 RUSSELL MA 01071 1 10/30/02 00 1636618 05 12/01/02 0 1636618 O 11/01/32 0 8289283 286/286 F 142,200.00 ZZ 360 141,988.26 4 7.500 994.29 90 7.250 994.29 ST LOUIS MO 63139 1 10/22/02 11 1630035 05 12/01/02 25 1630035 N 11/01/32 0 8289289 286/286 F 310,000.00 ZZ 360 309,616.18 1 6.375 1,934.00 71 6.125 1,934.00 EDISON NJ 08820 2 10/31/02 00 1602333 05 01/01/03 0 1602333 O 12/01/32 0 8289291 286/286 F 333,000.00 ZZ 360 331,717.40 1 7.375 2,299.95 78 7.125 2,299.95 ROCKPORT MA 01966 5 07/19/02 00 1396403 05 09/01/02 0 1396403 O 08/01/32 0 8289297 286/286 F 345,100.00 ZZ 360 343,907.20 1 6.625 2,209.72 79 6.375 2,209.72 1 THOUSAND OAKS CA 91362 5 10/23/02 00 1600960 05 12/01/02 0 1600960 O 11/01/32 0 8289301 286/286 F 61,600.00 ZZ 360 61,488.32 1 6.500 389.36 80 6.250 389.36 ALBUQUERQUE NM 87108 2 10/09/02 00 1665093 05 12/01/02 0 1665093 N 11/01/32 0 8289309 286/286 F 125,100.00 ZZ 360 124,913.73 3 7.500 874.72 90 7.250 874.72 BIDDEFORD ME 04005 1 11/01/02 12 1734540 05 12/01/02 25 1734540 N 11/01/32 0 8289311 286/286 F 200,000.00 ZZ 360 198,614.39 4 7.000 1,330.61 80 6.750 1,330.61 PONTIAC MI 48340 2 10/29/02 00 1632671 05 12/01/02 0 1632671 N 11/01/32 0 8289321 286/286 F 109,350.00 ZZ 360 109,034.96 3 7.750 783.40 90 7.500 783.40 PROVIDENCE RI 02908 1 08/22/02 12 1487208 05 10/01/02 25 1487208 N 09/01/32 0 8289327 286/286 F 104,000.00 ZZ 360 103,901.32 1 6.250 640.35 80 6.000 640.35 PITTSBURGH PA 15215 1 11/13/02 00 1631892 05 01/01/03 0 1631892 O 12/01/32 0 1 8289329 286/286 F 217,000.00 ZZ 360 216,442.83 1 6.875 1,425.54 78 6.625 1,425.54 SANTA FE NM 87505 5 10/10/02 00 1549888 05 12/01/02 0 1549888 O 11/01/32 0 8289331 286/286 F 113,500.00 T 360 113,299.15 1 6.625 726.76 76 6.375 726.76 SONORA CA 95370 2 10/22/02 00 1503414 05 12/01/02 0 1503414 O 11/01/32 0 8289333 286/286 F 140,000.00 ZZ 360 139,764.07 1 6.875 919.71 70 6.625 919.71 COMMERCE MI 48390 1 10/25/02 00 1680467 01 12/01/02 0 1680467 O 11/01/32 0 8289335 286/286 F 90,000.00 ZZ 360 89,926.22 1 7.000 598.78 90 6.750 598.78 MACHESNEY PARK IL 61115 1 11/07/02 12 1708463 05 01/01/03 25 1708463 N 12/01/32 0 8289339 286/286 F 300,000.00 ZZ 360 299,429.20 1 6.250 1,847.16 80 6.000 1,847.16 HOUSTON TX 77057 1 10/30/02 00 1710562 03 12/01/02 0 1710562 O 11/01/32 0 8289341 286/286 F 121,500.00 ZZ 360 121,300.22 4 1 7.000 808.35 90 6.750 808.35 ALBUQUERQUE NM 87123 1 10/30/02 21 1730561 05 12/01/02 25 1730561 N 11/01/32 0 8289345 286/286 F 211,500.00 ZZ 360 211,068.09 1 6.500 1,336.83 90 6.250 1,336.83 NEWTOWN CT 06470 1 11/01/02 12 1662862 05 12/01/02 25 1662862 O 11/01/32 0 8289347 286/286 F 336,500.00 ZZ 360 335,895.28 1 6.625 2,154.65 52 6.375 2,154.65 SAN JOSE CA 95124 2 10/21/02 00 1576918 05 12/01/02 0 1576918 O 11/01/32 0 8289351 286/286 F 112,000.00 ZZ 360 111,908.19 1 7.000 745.14 80 6.750 745.14 CORAOPOLIS PA 15108 5 11/08/02 00 1591155 05 01/01/03 0 1591155 O 12/01/32 0 8289353 286/286 F 118,000.00 ZZ 360 117,791.20 1 6.625 755.57 80 6.375 755.57 WEST YARMOUTH MA 02673 2 10/16/02 00 1598589 05 12/01/02 0 1598589 O 11/01/32 0 8289359 286/286 F 130,400.00 ZZ 360 130,157.77 1 6.375 813.53 80 6.125 813.53 NORTH ANDOVER MA 01845 1 10/30/02 00 1694770 01 12/01/02 0 1 1694770 O 11/01/32 0 8289365 286/286 F 100,000.00 ZZ 360 99,909.60 1 6.500 632.07 57 6.250 632.07 JOBSTOWN NJ 08041 5 11/08/02 00 1641109 05 01/01/03 0 1641109 O 12/01/32 0 8289367 286/286 F 227,750.00 ZZ 360 227,356.70 1 6.750 1,477.19 80 6.500 1,477.19 VALLEY VILLAGE CA 91607 5 10/18/02 00 1596904 01 12/01/02 0 1596904 O 11/01/32 0 8289493 286/286 F 340,000.00 ZZ 360 339,427.08 1 6.875 2,233.56 51 6.625 2,233.56 CASTRO VALLEY CA 94552 2 10/03/02 00 1344050 03 12/01/02 0 1344050 O 11/01/32 0 8289611 286/286 F 183,200.00 ZZ 360 183,060.60 4 7.375 1,265.32 80 7.125 1,265.32 BRIDGEPORT CT 06608 1 11/05/02 00 1631710 05 01/01/03 0 1631710 N 12/01/32 0 8289815 286/286 F 86,250.00 ZZ 360 85,816.60 1 6.625 552.27 75 6.375 552.27 BREMERTON WA 98310 5 10/24/02 00 1602988 05 12/01/02 0 1602988 N 11/01/32 0 1 8289931 286/286 F 168,000.00 ZZ 360 167,702.64 1 6.625 1,075.73 80 6.375 1,075.73 BOULDER CO 80302 1 10/21/02 00 1705258 01 12/01/02 0 1705258 N 11/01/32 0 8289933 286/286 F 76,500.00 ZZ 360 76,383.22 3 7.375 528.37 90 7.125 528.37 PITTSFIELD MA 01201 1 10/30/02 12 1601436 05 12/01/02 25 1601436 N 11/01/32 0 8289935 286/286 F 57,600.00 ZZ 360 57,512.07 2 7.375 397.83 90 7.125 397.83 PITTSFIELD MA 01201 1 10/30/02 12 1601451 05 12/01/02 25 1601451 N 11/01/32 0 8289943 286/286 F 131,250.00 ZZ 360 130,993.28 1 6.250 808.13 78 6.000 808.13 BURKE VA 22015 5 10/24/02 00 1647196 03 12/01/02 0 1647196 O 11/01/32 0 8289947 286/286 F 134,900.00 ZZ 360 134,699.13 1 7.500 943.25 90 7.250 943.25 CINCINNATI OH 45212 1 11/01/02 10 1671738 05 12/01/02 25 1671738 N 11/01/32 0 8289953 286/286 F 144,000.00 ZZ 360 143,751.32 1 6.750 933.99 90 6.500 933.99 1 TEMPE AZ 85283 1 10/30/02 12 1670519 05 12/01/02 25 1670519 N 11/01/32 0 8289959 286/286 F 300,000.00 ZZ 360 299,481.95 1 6.750 1,945.80 62 6.500 1,945.80 ARCADIA CA 91006 2 10/18/02 00 1627817 05 12/01/02 0 1627817 O 11/01/32 0 8289961 286/286 F 360,000.00 ZZ 360 359,331.35 1 6.375 2,245.94 60 6.125 2,245.94 WILTON CT 06897 5 10/25/02 00 1643109 05 12/01/02 0 1643109 O 11/01/32 0 8289965 286/286 F 62,400.00 ZZ 360 62,297.40 1 7.000 415.15 80 6.750 415.15 MOUNTAINAIR NM 87036 5 10/11/02 00 1425872 05 12/01/02 0 1425872 O 11/01/32 0 8289967 286/286 F 43,200.00 ZZ 360 43,125.39 1 6.750 280.20 90 6.500 280.20 FLORESVILLE TX 78114 1 10/31/02 04 1591422 05 12/01/02 25 1591422 N 11/01/32 0 8289969 286/286 F 400,000.00 ZZ 360 399,404.42 1 7.500 2,796.86 87 7.250 2,796.86 SMITHTOWN NY 11787 1 10/25/02 04 1551193 05 12/01/02 25 1551193 O 11/01/32 0 1 8289971 286/286 F 380,000.00 ZZ 360 378,489.96 1 6.375 2,370.71 80 6.125 2,370.71 JEFFERSON NJ 07849 1 10/31/02 00 1698431 05 12/01/02 0 1698431 O 11/01/32 0 8289973 286/286 F 105,500.00 ZZ 360 105,317.81 1 6.750 684.28 79 6.500 684.28 ALBUQUERQUE NM 87114 2 10/17/02 00 1706839 05 12/01/02 0 1706839 N 11/01/32 0 8289975 286/286 F 144,000.00 ZZ 360 143,866.62 1 6.375 898.38 80 6.125 898.38 RIVERVIEW FL 33569 5 11/05/02 00 1746671 05 01/01/03 0 1746671 O 12/01/32 0 8289979 286/286 F 195,000.00 ZZ 360 194,823.71 1 6.500 1,232.54 60 6.250 1,232.54 WASHINGTON DC 20003 5 11/06/02 00 1404690 05 01/01/03 0 1404690 O 12/01/32 0 8289989 286/286 F 102,400.00 ZZ 360 102,227.44 1 6.875 672.70 80 6.625 672.70 HOLLYWOOD FL 33026 1 10/21/02 00 1700463 03 12/01/02 0 1700463 O 11/01/32 0 8289993 286/286 F 242,350.00 ZZ 360 242,141.34 4 1 6.750 1,571.88 80 6.500 1,571.88 CEDAR PARK TX 78613 2 11/08/02 00 1709734 03 01/01/03 0 1709734 N 12/01/32 0 8289995 286/286 F 240,950.00 ZZ 360 240,742.54 4 6.750 1,562.80 79 6.500 1,562.80 CEDAR PARK TX 78613 2 11/08/02 00 1709754 05 01/01/03 0 1709754 N 12/01/32 0 8289997 286/286 F 131,040.00 ZZ 360 130,777.45 1 6.500 828.27 80 6.250 828.27 PUYALLUP WA 98375 1 10/21/02 00 1649420 05 12/01/02 0 1649420 O 11/01/32 0 8290001 286/286 F 80,000.00 ZZ 360 79,931.12 1 6.750 518.88 80 6.500 518.88 CAPITOL HEIGHTS MD 27040 1 11/04/02 00 1708870 05 01/01/03 0 1708870 N 12/01/32 0 8290007 286/286 F 284,000.00 ZZ 360 283,736.95 1 6.375 1,771.80 80 6.125 1,771.80 COMMACK NY 11725 1 11/13/02 00 1677375 05 01/01/03 0 1677375 N 12/01/32 0 8290009 286/286 F 144,400.00 ZZ 360 144,131.16 1 6.375 900.87 80 6.125 900.87 HAM LAKE MN 55304 1 10/07/02 00 1595764 05 12/01/02 0 1 1595764 O 11/01/32 0 8290013 286/286 F 98,800.00 ZZ 360 98,612.02 1 6.250 608.33 80 6.000 608.33 REDMOND OR 97756 5 10/30/02 00 1738584 05 12/01/02 0 1738584 O 11/01/32 0 8290017 286/286 F 125,100.00 ZZ 360 124,883.97 1 6.750 811.40 90 6.500 811.40 MERIDEN CT 06451 1 10/25/02 12 1580905 05 12/01/02 25 1580905 O 11/01/32 0 8290025 286/286 F 50,400.00 ZZ 360 50,315.06 1 6.875 331.10 90 6.625 331.10 VIRGINIA BEACH VA 23462 1 10/23/02 10 1481331 05 12/01/02 30 1481331 N 11/01/32 0 8290029 286/286 F 58,400.00 ZZ 360 58,303.98 1 7.000 388.54 80 6.750 388.54 HALLANDALE FL 33009 1 10/23/02 00 1688738 01 12/01/02 0 1688738 O 11/01/32 0 8290039 286/286 F 135,000.00 ZZ 360 134,595.46 3 7.500 943.94 90 7.250 943.94 BRIDGEPORT CT 06610 1 08/26/02 12 1066371 05 10/01/02 25 1066371 N 09/01/32 0 1 8290041 286/286 F 156,750.00 ZZ 360 156,509.49 1 7.500 1,096.02 95 7.250 1,096.02 BRIGHTON MA 02135 1 10/28/02 12 1705492 01 12/01/02 30 1705492 O 11/01/32 0 8290045 286/286 F 128,000.00 ZZ 360 127,767.94 1 6.500 809.05 76 6.250 809.05 ALBUQUERQUE NM 87104 5 10/25/02 00 1645379 03 12/01/02 0 1645379 O 11/01/32 0 8290049 286/286 F 90,000.00 ZZ 360 89,736.28 1 6.500 568.87 90 6.250 568.87 JOPLIN MO 64801 5 10/25/02 11 1693392 05 12/01/02 30 1693392 O 11/01/32 0 8290053 286/286 F 155,250.00 ZZ 360 155,119.56 3 6.875 1,019.89 90 6.625 1,019.89 CHARLOTTESVILLE VA 22903 1 11/06/02 10 1449933 05 01/01/03 25 1449933 N 12/01/32 0 8290133 286/286 F 134,900.00 ZZ 360 134,683.60 1 7.125 908.85 90 6.875 908.85 INDIANAPOLIS IN 46256 1 10/31/02 12 1709935 05 12/01/02 30 1709935 N 11/01/32 0 8290135 286/286 F 150,000.00 ZZ 360 149,511.65 1 7.125 1,010.58 78 6.875 1,010.58 1 WESTBROOK ME 04092 5 10/22/02 00 1611041 05 12/01/02 0 1611041 O 11/01/32 0 8290137 286/286 F 262,400.00 ZZ 360 261,900.74 1 6.250 1,615.65 80 6.000 1,615.65 FRIENDSWOOD TX 77546 2 10/25/02 00 1590614 03 12/01/02 0 1590614 O 11/01/32 0 8290139 286/286 F 298,000.00 ZZ 360 297,755.72 1 7.000 1,982.61 79 6.750 1,982.61 WASHINGTON DC 20001 2 11/09/02 00 1585359 05 01/01/03 0 1585359 N 12/01/32 0 8290145 286/286 F 292,000.00 ZZ 360 291,495.77 4 6.750 1,893.91 80 6.500 1,893.91 MIAMI FL 33145 1 10/23/02 00 1670149 05 12/01/02 0 1670149 N 11/01/32 0 8290149 286/286 F 292,000.00 ZZ 360 291,495.77 4 6.750 1,893.91 80 6.500 1,893.91 MIAMI FL 33145 1 10/23/02 00 1670409 05 12/01/02 0 1670409 N 11/01/32 0 8290155 286/286 F 378,000.00 ZZ 360 377,682.43 1 6.875 2,483.20 88 6.625 2,483.20 GAITHERSBURG MD 20878 5 11/06/02 11 1654298 05 01/01/03 25 1654298 O 12/01/32 0 1 8290161 286/286 F 55,200.00 T 360 55,045.80 1 6.375 344.38 80 6.125 344.38 HOUSTON TX 77058 1 09/27/02 00 1637920 01 11/01/02 0 1637920 O 10/01/32 0 8290167 286/286 F 310,000.00 ZZ 360 309,424.23 1 6.375 1,934.00 78 6.125 1,934.00 WESTON CT 06883 1 10/10/02 00 1494265 05 12/01/02 0 1494265 O 11/01/32 0 8290169 286/286 F 500,000.00 ZZ 360 499,071.34 1 6.375 3,119.35 56 6.125 3,119.35 FAIRFIELD CT 06490 2 10/25/02 00 1587599 05 12/01/02 0 1587599 O 11/01/32 0 8290173 286/286 F 156,450.00 ZZ 360 156,318.56 1 6.875 1,027.77 80 6.625 1,027.77 YUCAIPA CA 92399 1 10/30/02 00 1411803 03 01/01/03 0 1411803 O 12/01/32 0 8290177 286/286 F 198,000.00 ZZ 360 197,829.52 1 6.750 1,284.23 80 6.500 1,284.23 GUADALUPE CA 93434 1 11/18/02 00 1617955 05 01/01/03 0 1617955 N 12/01/32 0 8290179 286/286 F 73,600.00 T 360 73,330.23 1 1 7.625 520.94 80 7.375 520.94 SOUTH PADRE TX 78597 2 07/31/02 00 1408661 01 09/01/02 0 1408661 O 08/01/32 0 8290181 286/286 F 197,500.00 ZZ 360 197,317.07 1 6.375 1,232.15 80 6.125 1,232.15 LUTZ FL 33558 5 11/13/02 00 1761545 03 01/01/03 0 1761545 O 12/01/32 0 8290183 286/286 F 176,000.00 ZZ 360 175,836.98 1 6.375 1,098.02 80 6.125 1,098.02 ROCKLIN CA 95677 5 11/06/02 00 1687336 05 01/01/03 0 1687336 O 12/01/32 0 8290185 286/286 F 359,000.00 ZZ 360 358,675.45 1 6.500 2,269.13 80 6.250 2,269.13 WOODBRIDGE CA 95258 5 11/04/02 00 1714363 05 01/01/03 0 1714363 O 12/01/32 0 8290187 286/286 F 93,600.00 ZZ 360 93,513.30 1 6.375 583.92 80 6.125 583.92 PARADISE CA 95969 1 11/02/02 00 1720521 05 01/01/03 0 1720521 N 12/01/32 0 8290189 286/286 F 160,000.00 ZZ 360 159,709.93 1 6.500 1,011.31 80 6.250 1,011.31 GLENDALE HEIGHT IL 60139 5 10/30/02 00 1624159 05 12/01/02 0 1 1624159 O 11/01/32 0 8290191 286/286 F 325,600.00 ZZ 360 325,037.74 1 6.750 2,111.84 80 6.500 2,111.84 SAVAGE MN 55378 5 10/30/02 00 1683947 05 12/01/02 0 1683947 O 11/01/32 0 8290199 286/286 F 310,000.00 ZZ 360 309,214.20 1 6.875 2,036.48 89 6.625 2,036.48 PLYMOUTH MA 02360 1 10/03/02 11 1262475 05 11/01/02 25 1262475 O 10/01/32 0 8290201 286/286 F 67,050.00 ZZ 360 66,993.66 1 6.875 440.48 90 6.625 440.48 TAYLORS SC 29687 1 11/12/02 12 1437864 05 01/01/03 25 1437864 N 12/01/32 0 8290203 286/286 F 47,700.00 ZZ 360 47,652.91 1 6.500 301.50 90 6.250 301.50 INDIANAPOLIS IN 46201 1 11/04/02 10 1682515 05 01/01/03 25 1682515 N 12/01/32 0 8290207 286/286 F 102,400.00 ZZ 360 102,223.16 1 6.750 664.17 80 6.500 664.17 SHELBYVILLE IN 46176 2 10/25/02 00 1543753 05 12/01/02 0 1543753 O 11/01/32 0 1 8290213 286/286 F 256,500.00 ZZ 360 256,057.06 3 6.750 1,663.66 90 6.500 1,663.66 SHELTON CT 06484 1 10/31/02 12 1608153 05 12/01/02 25 1608153 N 11/01/32 0 8290219 286/286 F 114,720.00 ZZ 360 114,526.69 1 6.875 753.63 80 6.625 753.63 ABINGDON MD 21009 1 10/30/02 00 1726414 03 12/01/02 0 1726414 O 11/01/32 0 8290225 286/286 F 189,550.00 ZZ 360 189,045.51 1 6.625 1,213.71 85 6.375 1,213.71 HAMILTON TWP NJ 08619 5 09/26/02 12 1516143 05 11/01/02 12 1516143 O 10/01/32 0 8290229 286/286 F 400,000.00 ZZ 360 399,325.97 1 6.875 2,627.72 88 6.625 2,627.72 TOMS RIVER NJ 08755 5 10/23/02 12 1632812 05 12/01/02 25 1632812 O 11/01/32 0 8290239 286/286 F 335,000.00 ZZ 360 334,392.66 1 6.500 2,117.43 82 6.250 2,117.43 FOREST HILL MD 21050 5 10/11/02 10 1624767 03 12/01/02 12 1624767 O 11/01/32 0 8290253 286/286 F 136,000.00 ZZ 360 135,720.79 1 6.750 882.10 80 6.500 882.10 1 UPPER MARLBORO MD 20772 1 11/04/02 00 1564319 03 12/01/02 0 1564319 O 11/01/32 0 8290269 286/286 F 85,500.00 ZZ 360 85,436.55 1 7.500 597.83 90 7.250 597.83 TALLAHASSEE FL 32301 1 11/01/02 11 1739789 05 01/01/03 25 1739789 N 12/01/32 0 8290277 286/286 F 85,500.00 ZZ 360 85,436.55 1 7.500 597.83 90 7.250 597.83 TALLAHASSEE FL 32301 1 11/01/02 10 1739790 05 01/01/03 25 1739790 N 12/01/32 0 8290281 286/286 F 85,500.00 ZZ 360 85,436.55 1 7.500 597.83 90 7.250 597.83 TALLAHASSEE FL 32301 1 11/01/02 10 1739792 05 01/01/03 25 1739792 N 12/01/32 0 8290287 286/286 F 79,200.00 T 360 79,066.54 1 6.875 520.29 80 6.625 520.29 MONTGOMERY CENT VT 05471 1 11/01/02 00 1720748 03 12/01/02 0 1720748 O 11/01/32 0 8290291 286/286 F 105,600.00 ZZ 360 105,502.19 1 6.375 658.81 80 6.125 658.81 LEBANON PA 17042 1 11/12/02 00 1663099 05 01/01/03 0 1663099 O 12/01/32 0 1 8290309 286/286 F 410,000.00 ZZ 360 409,219.91 1 6.250 2,524.45 50 6.000 2,524.45 EASTON CT 06612 2 10/25/02 00 1642848 05 12/01/02 0 1642848 O 11/01/32 0 8290317 286/286 F 224,910.00 ZZ 360 224,531.01 1 6.875 1,477.50 90 6.625 1,477.50 MIRAMAR FL 33027 1 10/28/02 21 1680457 03 12/01/02 25 1680457 O 11/01/32 0 8290321 286/286 F 42,000.00 ZZ 360 41,930.94 1 7.000 279.43 64 6.750 279.43 HIALEAH FL 33012 1 10/09/02 00 1652094 01 12/01/02 0 1652094 O 11/01/32 0 8290325 286/286 F 89,900.00 ZZ 360 89,630.60 3 7.500 628.60 90 7.250 628.60 WATERBURY CT 06710 1 08/22/02 12 910727 05 10/01/02 25 910727 N 09/01/32 0 8290329 286/286 F 760,000.00 ZZ 360 758,622.18 1 6.500 4,803.72 44 6.250 4,803.72 WESTPORT CT 06880 2 10/23/02 00 1595317 05 12/01/02 0 1595317 O 11/01/32 0 8290341 286/286 F 126,400.00 ZZ 360 126,007.14 1 1 6.375 788.58 80 6.125 788.58 ALBUQUERQUE NM 87120 1 10/29/02 00 1651191 05 12/01/02 0 1651191 O 11/01/32 0 8290351 286/286 F 99,000.00 ZZ 359 98,069.50 1 7.625 701.22 90 7.375 701.22 WASHINGTON DC 20032 1 09/05/02 21 1537807 05 11/01/02 25 1537807 N 09/01/32 0 8290357 286/286 F 473,200.00 ZZ 360 472,421.96 1 7.000 3,148.22 55 6.750 3,148.22 DENVER CO 80218 2 10/16/02 00 1576018 05 12/01/02 0 1576018 O 11/01/32 0 8290361 286/286 F 336,000.00 ZZ 360 335,237.94 1 6.500 2,123.75 80 6.250 2,123.75 LAKEVILLE MN 55044 5 10/24/02 00 1655667 05 12/01/02 0 1655667 O 11/01/32 0 8290365 286/286 F 375,000.00 ZZ 360 374,660.99 1 6.500 2,370.26 69 6.250 2,370.26 HILLMAN MI 49746 5 11/06/02 00 1653431 05 01/01/03 0 1653431 O 12/01/32 0 8290369 286/286 F 190,400.00 ZZ 360 190,063.09 1 6.625 1,219.16 80 6.375 1,219.16 CHESAPEAKE VA 23320 2 10/31/02 00 1620847 05 12/01/02 0 1 1620847 O 11/01/32 0 8290373 286/286 F 40,050.00 ZZ 360 39,984.13 1 7.000 266.46 90 6.750 266.46 SELLERSBURG IN 47172 1 10/31/02 12 1682276 05 12/01/02 25 1682276 N 11/01/32 0 8290377 E47/G02 F 64,000.00 ZZ 360 63,940.72 1 6.375 399.28 95 6.125 399.28 HOCKLEY TX 77447 1 12/05/02 11 0435157169 09 01/01/03 30 7323011672 O 12/01/32 0 8290379 286/286 F 110,000.00 ZZ 360 109,893.08 1 6.125 668.38 75 5.875 668.38 TAYLORS SC 29687 2 11/08/02 00 1642068 05 01/01/03 0 1642068 O 12/01/32 0 8290451 286/286 F 356,000.00 ZZ 360 355,329.97 1 6.625 2,279.51 80 6.375 2,279.51 SHELTON WA 98584 2 10/08/02 00 1592190 05 12/01/02 0 1592190 O 11/01/32 0 8290457 286/286 F 60,800.00 ZZ 360 60,689.77 1 6.500 384.30 80 6.250 384.30 GAINESVILLE FL 32609 1 10/08/02 00 1596259 05 12/01/02 0 1596259 N 11/01/32 0 1 8290461 286/286 F 149,000.00 ZZ 360 148,883.76 1 7.250 1,016.45 72 7.000 1,016.45 SOUTH PORTLAND ME 04106 5 11/04/02 00 1630640 05 01/01/03 0 1630640 O 12/01/32 0 8290465 286/286 F 520,000.00 ZZ 360 519,034.18 2 6.375 3,244.13 80 6.125 3,244.13 SAN FRANCISCO CA 94110 2 10/15/02 00 1648151 05 12/01/02 0 1648151 O 11/01/32 0 8290469 286/286 F 89,900.00 ZZ 360 89,766.14 2 7.500 628.60 90 7.250 628.60 SPRINGFIELD MA 01104 1 10/31/02 11 1672381 05 12/01/02 25 1672381 N 11/01/32 0 8291613 T44/G02 F 140,000.00 ZZ 360 139,769.83 1 7.000 931.42 78 6.750 931.42 BRISTOL RI 02809 5 10/31/02 00 0435114632 05 12/01/02 0 1055394 O 11/01/32 0 8292131 E82/G02 F 100,000.00 ZZ 360 99,909.60 1 6.500 632.07 66 6.250 632.07 SUISUN CITY CA 94585 2 11/19/02 00 0400723672 05 01/01/03 0 3950966 N 12/01/32 0 8292135 E82/G02 F 129,600.00 ZZ 360 129,600.00 2 6.500 819.16 80 6.250 819.16 1 MURRELLS INLET SC 29576 2 12/13/02 00 0400738407 05 02/01/03 0 5319204 O 01/01/33 0 8292143 E82/G02 F 156,400.00 ZZ 360 156,400.00 1 6.750 1,014.41 90 6.500 1,014.41 STANFORD KY 40484 2 12/12/02 10 0400738142 05 02/01/03 25 4768967 O 01/01/33 0 8292151 E82/G02 F 311,350.00 ZZ 360 311,350.00 4 7.000 2,071.42 72 6.750 2,071.42 BURBANK CA 91505 2 12/12/02 00 0400732251 05 02/01/03 0 4590391 N 01/01/33 0 8292159 E82/G02 F 59,350.00 ZZ 360 59,350.00 1 6.375 370.27 80 6.125 370.27 ALBUQUERQUE NM 87121 2 12/13/02 00 0400729265 03 02/01/03 0 1648982 N 01/01/33 0 8292185 E82/G02 F 119,950.00 ZZ 360 119,950.00 4 6.875 787.99 80 6.625 787.99 CHESAPEAKE VA 23324 2 12/12/02 00 0400686838 05 02/01/03 0 0400686838 O 01/01/33 0 8292227 E82/G02 F 404,000.00 ZZ 360 404,000.00 1 6.625 2,586.86 76 6.375 2,586.86 WAILUKU HI 96793 2 12/12/02 00 0400748497 05 02/01/03 0 6075572 O 01/01/33 0 1 8292229 E82/G02 F 161,000.00 ZZ 360 161,000.00 3 6.500 1,017.63 77 6.250 1,017.63 IRVINGTON NJ 07111 2 12/11/02 00 0400727442 05 02/01/03 0 0400727442 O 01/01/33 0 8292335 X51/G02 F 382,000.00 ZZ 360 382,000.00 1 6.250 2,352.04 73 6.000 2,352.04 SANTA ROSA CA 95405 5 12/07/02 00 0435165352 05 02/01/03 0 R2053951 O 01/01/33 0 8292385 E22/G02 F 140,000.00 ZZ 360 140,000.00 1 6.500 884.90 52 6.250 884.90 UNIONDALE NY 11553 5 12/10/02 00 0415464080 05 02/01/03 0 0415464080 O 01/01/33 0 8292395 E22/G02 F 191,250.00 ZZ 360 191,250.00 3 6.750 1,240.44 75 6.500 1,240.44 VISALIA CA 93291 1 12/10/02 00 0415479062 05 02/01/03 0 0415479062 N 01/01/33 0 8292403 E22/G02 F 270,000.00 ZZ 360 270,000.00 1 6.750 1,751.21 80 6.500 1,751.21 HOUSTON TX 77006 2 12/16/02 00 0415489608 05 02/01/03 0 0415489608 N 01/01/33 0 8292407 E22/G02 F 336,000.00 ZZ 360 336,000.00 1 1 6.375 2,096.20 80 6.125 2,096.20 CONCORD CA 94521 5 12/05/02 00 0415493725 05 02/01/03 0 0415493725 O 01/01/33 0 8292425 E22/G02 F 171,000.00 ZZ 360 171,000.00 1 6.500 1,080.84 72 6.250 1,080.84 HOUSTON TX 77008 5 12/10/02 00 0415584523 05 02/01/03 0 0415584523 O 01/01/33 0 8292441 E22/G02 F 134,000.00 ZZ 360 134,000.00 1 6.125 814.20 78 5.875 814.20 ROYAL PALM BEAC FL 33411 5 12/11/02 00 0415594977 05 02/01/03 0 0415594977 O 01/01/33 0 8292445 E22/G02 F 218,000.00 ZZ 360 218,000.00 1 6.500 1,377.91 65 6.250 1,377.91 PEMBROKE PINES FL 33028 5 12/09/02 00 0415597517 03 02/01/03 0 0415597517 O 01/01/33 0 8292447 E22/G02 F 370,000.00 ZZ 360 370,000.00 1 6.750 2,399.81 68 6.500 2,399.81 GLEN ELLYN IL 60137 5 12/11/02 00 0415599547 05 02/01/03 0 0415599547 O 01/01/33 0 8292449 E22/G02 F 115,900.00 ZZ 360 115,900.00 1 6.625 742.12 95 6.375 742.12 LANSDOWNE MD 21227 5 12/10/02 04 0415602929 07 02/01/03 30 1 0415602929 O 01/01/33 0 8292453 E22/G02 F 143,200.00 T 360 143,200.00 1 6.500 905.12 80 6.250 905.12 MIDWAY CITY CA 92655 1 12/11/02 00 0415605666 01 02/01/03 0 0415605666 O 01/01/33 0 8292457 E22/G02 F 65,550.00 ZZ 360 65,550.00 1 6.625 419.72 95 6.375 419.72 FLORENCE AL 35630 1 12/16/02 04 0415609239 05 02/01/03 30 0415609239 O 01/01/33 0 8292459 E22/G02 F 131,000.00 ZZ 360 131,000.00 1 6.875 860.58 74 6.625 860.58 PUEBLO CO 81007 2 12/16/02 00 0415609445 05 02/01/03 0 0415609445 N 01/01/33 0 8292463 E22/G02 F 193,500.00 ZZ 360 193,500.00 1 6.375 1,207.19 66 6.125 1,207.19 CONCORD CA 94521 1 12/12/02 00 0415613116 09 02/01/03 0 0415613116 N 01/01/33 0 8292465 E22/G02 F 260,000.00 ZZ 360 260,000.00 1 6.375 1,622.06 75 6.125 1,622.06 MORGAN HILL CA 95037 5 12/10/02 00 0415613991 01 02/01/03 0 0415613991 O 01/01/33 0 1 8292479 E22/G02 F 163,000.00 ZZ 360 163,000.00 1 6.500 1,030.27 75 6.250 1,030.27 BAY SHORE NY 11706 5 12/10/02 00 0415637792 05 02/01/03 0 0415637792 O 01/01/33 0 8292489 E22/G02 F 107,950.00 ZZ 360 107,950.00 1 6.500 682.32 85 6.250 682.32 COLORADO SPRING CO 80907 2 12/11/02 04 0415655588 05 02/01/03 20 0415655588 O 01/01/33 0 8292513 E22/G02 F 279,000.00 ZZ 360 279,000.00 4 6.125 1,695.23 80 5.875 1,695.23 BAYONNE NJ 07002 5 12/10/02 00 0415510650 05 02/01/03 0 0415510650 O 01/01/33 0 8292537 E22/G02 F 243,000.00 ZZ 360 243,000.00 1 6.375 1,516.00 56 6.125 1,516.00 YORBA LINDA CA 92886 5 12/11/02 00 0415531870 05 02/01/03 0 0415531870 O 01/01/33 0 8292543 E22/G02 F 128,000.00 ZZ 360 128,000.00 1 6.500 809.05 80 6.250 809.05 BOCA RATON FL 33487 1 12/16/02 00 0415538917 09 02/01/03 0 0415538917 O 01/01/33 0 8292547 E22/G02 F 203,000.00 ZZ 360 203,000.00 1 6.125 1,233.45 80 5.875 1,233.45 1 PATCHOGUE NY 11772 5 12/11/02 00 0415540368 05 02/01/03 0 0415540368 O 01/01/33 0 8292557 E22/G02 F 214,650.00 ZZ 360 214,650.00 1 6.500 1,356.73 80 6.250 1,356.73 JENSEN BEACH FL 34957 1 12/16/02 00 0415548056 03 02/01/03 0 0415548056 O 01/01/33 0 8292565 E22/G02 F 164,000.00 ZZ 360 164,000.00 1 7.000 1,091.10 80 6.750 1,091.10 PLANO TX 75023 5 12/11/02 00 0415561760 05 02/01/03 0 0415561760 O 01/01/33 0 8292569 E22/G02 F 79,900.00 ZZ 360 79,900.00 1 6.500 505.02 85 6.250 505.02 ORLANDO FL 32826 5 12/10/02 10 0415565183 05 02/01/03 12 0415565183 O 01/01/33 0 8292581 E22/G02 F 168,000.00 ZZ 360 168,000.00 1 5.750 980.40 80 5.500 980.40 PEMBROKE PINES FL 33028 5 12/05/02 00 0415573112 03 02/01/03 0 0415573112 O 01/01/33 0 8292595 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.375 1,247.74 67 6.125 1,247.74 LEANDER TX 78641 5 12/11/02 00 0415200054 05 02/01/03 0 0415200054 O 01/01/33 0 1 8292599 E22/G02 F 57,500.00 ZZ 360 57,458.38 1 7.625 406.98 88 7.375 406.98 AUGUSTA GA 30906 2 11/19/02 10 0415220094 05 01/01/03 25 0415220094 N 12/01/32 0 8292609 E22/G02 F 392,000.00 ZZ 360 392,000.00 1 6.500 2,477.71 80 6.250 2,477.71 SAN JOSE CA 95118 5 12/10/02 00 0415245083 05 02/01/03 0 0415245083 O 01/01/33 0 8292611 E22/G02 F 188,000.00 ZZ 360 188,000.00 1 6.625 1,203.78 80 6.375 1,203.78 HOLLYWOOD FL 33020 2 12/10/02 00 0415256528 05 02/01/03 0 0415256528 O 01/01/33 0 8292617 E22/G02 F 272,700.00 ZZ 360 272,700.00 1 6.250 1,679.06 46 6.000 1,679.06 DALLAS TX 75225 5 12/09/02 00 0415267038 05 02/01/03 0 0415267038 O 01/01/33 0 8292621 E22/G02 F 189,050.00 ZZ 360 189,050.00 1 6.500 1,194.92 95 6.250 1,194.92 SACO ME 04072 5 12/04/02 01 0415284447 05 02/01/03 30 0415284447 O 01/01/33 0 8292627 E22/G02 F 206,150.00 ZZ 360 206,150.00 1 1 7.875 1,494.73 95 7.625 1,494.73 PUEBLO CO 81005 5 12/11/02 10 0415285014 05 02/01/03 30 0415285014 O 01/01/33 0 8292637 E22/G02 F 90,000.00 ZZ 360 90,000.00 4 7.000 598.77 90 6.750 598.77 LEWISTON ID 83501 1 12/10/02 04 0415334382 05 02/01/03 25 0415334382 N 01/01/33 0 8292661 E22/G02 F 106,000.00 ZZ 360 106,000.00 1 6.250 652.66 49 6.000 652.66 KALISPELL MT 59901 2 12/11/02 00 0415359629 05 02/01/03 0 0415359629 O 01/01/33 0 8292669 E22/G02 F 256,000.00 ZZ 360 256,000.00 1 6.375 1,597.11 80 6.125 1,597.11 NORCO CA 92860 5 12/03/02 00 0415380310 05 02/01/03 0 0415380310 O 01/01/33 0 8292701 E22/G02 F 161,400.00 ZZ 360 161,400.00 1 7.125 1,087.38 95 6.875 1,087.38 CLINTON TWP MI 48038 1 12/16/02 04 0415427905 05 02/01/03 30 0415427905 O 01/01/33 0 8292709 E22/G02 F 420,000.00 ZZ 360 420,000.00 1 6.250 2,586.01 73 6.000 2,586.01 SAN JOSE CA 95124 5 12/04/02 00 0415431477 05 02/01/03 0 1 0415431477 O 01/01/33 0 8292713 E45/G02 F 424,000.00 ZZ 360 423,652.45 1 7.000 2,820.88 80 6.750 2,820.88 SAN CLEMENTE CA 92673 5 11/15/02 00 0435110754 03 01/01/03 0 316706 O 12/01/32 0 8292737 E22/G02 F 185,000.00 ZZ 360 185,000.00 1 7.000 1,230.81 93 6.750 1,230.81 SALT LAKE CITY UT 84103 5 12/10/02 10 0414699843 05 02/01/03 30 0414699843 O 01/01/33 0 8292757 E22/G02 F 535,000.00 ZZ 360 535,000.00 1 6.375 3,337.71 60 6.125 3,337.71 ROCHESTER HILLS MI 48306 2 12/11/02 00 0415144591 05 02/01/03 0 0415144591 O 01/01/33 0 8292773 975/G02 F 368,000.00 ZZ 360 368,000.00 1 6.500 2,326.01 80 6.250 2,326.01 FULLERTON CA 92833 1 12/05/02 00 0435112958 05 02/01/03 0 2025518 O 01/01/33 0 8292777 975/G02 F 375,500.00 ZZ 360 375,500.00 1 6.375 2,342.63 77 6.125 2,342.63 MONTEREY PARK CA 91754 5 12/02/02 00 0435113071 05 02/01/03 0 2024700 O 01/01/33 0 1 8292781 G34/G02 F 290,000.00 ZZ 360 289,731.41 1 6.375 1,809.22 73 6.125 1,809.22 SAN JOSE CA 95127 2 11/20/02 00 0435122825 05 01/01/03 0 48200973 O 12/01/32 0 8292813 975/G02 F 130,500.00 ZZ 360 130,500.00 1 6.375 814.15 51 6.125 814.15 SANTA ANA CA 92704 5 12/02/02 00 0435112925 05 02/01/03 0 2024904 O 01/01/33 0 8292821 E45/G02 F 68,500.00 T 360 68,442.45 1 6.875 450.00 54 6.625 450.00 PALM BAY FL 32907 2 11/22/02 00 0435119821 05 01/01/03 0 310570 O 12/01/32 0 8292879 950/G02 F 207,200.00 ZZ 360 207,200.00 1 6.250 1,275.77 80 6.000 1,275.77 BELLEVUE WA 98006 1 12/05/02 00 0435130216 05 02/01/03 0 E4211024 O 01/01/33 0 8292881 E45/G02 F 138,000.00 ZZ 360 137,875.25 1 6.500 872.25 79 6.250 872.25 CLEARWATER FL 33764 2 11/19/02 00 0435110770 05 01/01/03 0 309201 O 12/01/32 0 8292935 E45/G02 F 190,000.00 ZZ 360 189,828.24 1 6.500 1,200.93 80 6.250 1,200.93 1 GARDEN GROVE CA 92643 5 11/15/02 00 0435120076 01 01/01/03 0 300758 O 12/01/32 0 8292941 W53/G02 F 450,000.00 ZZ 360 449,562.63 1 6.125 2,734.25 75 5.875 2,734.25 IRVINE CA 92604 5 11/15/02 00 0435094552 03 01/01/03 0 1701100093 O 12/01/32 0 8293193 K15/G02 F 236,800.00 ZZ 360 236,800.00 2 6.125 1,438.82 80 5.875 1,438.82 HUDSON NH 03051 5 12/10/02 00 0435122262 05 02/01/03 0 033105507481 O 01/01/33 0 8293239 K15/G02 F 74,800.00 ZZ 360 74,800.00 1 7.375 516.63 36 7.125 516.63 MINNEAPOLIS MN 55409 2 12/10/02 00 0435118112 05 02/01/03 0 013205506950 O 01/01/33 0 8293293 K15/G02 F 115,100.00 ZZ 360 115,100.00 1 6.625 737.00 80 6.375 737.00 WINDHAM ME 04062 5 12/06/02 00 0435116140 05 02/01/03 0 007705506846 O 01/01/33 0 8293297 K15/G02 F 302,600.00 ZZ 360 302,600.00 3 6.750 1,962.66 85 6.500 1,962.66 BROCKTON MA 02301 5 12/09/02 41 0435116835 05 02/01/03 12 024005506434 O 01/01/33 0 1 8293451 N74/G02 F 133,000.00 ZZ 360 133,000.00 1 7.125 896.05 95 6.875 896.05 WILLOW SPRING NC 27592 2 12/12/02 10 0435135322 05 02/01/03 30 0031325010 O 01/01/33 0 8293751 X64/G02 F 80,000.00 ZZ 360 80,000.00 1 7.250 545.74 80 7.000 545.74 TAYLOR MI 48180 5 12/09/02 00 0435121207 05 02/01/03 0 0000000733 O 01/01/33 0 8293753 P29/G02 F 64,800.00 ZZ 360 64,800.00 1 7.625 458.65 90 7.375 458.65 FARGO ND 58102 1 12/12/02 02 0435122718 05 02/01/03 25 10346998 N 01/01/33 0 8293757 U05/G02 F 57,600.00 ZZ 240 57,600.00 2 6.750 437.97 80 6.500 437.97 PHILADELPHIA PA 19136 2 12/04/02 00 0435155791 07 02/01/03 0 3278261 N 01/01/23 0 8293835 Q14/G02 F 55,000.00 ZZ 360 55,000.00 1 6.500 347.64 69 6.250 347.64 BUFFALO IA 52728 5 12/10/02 00 0435111885 05 02/01/03 0 0000210394 O 01/01/33 0 8293845 K15/G02 F 89,000.00 ZZ 360 89,000.00 1 1 7.750 637.61 94 7.500 637.61 HUBBARD OH 44425 5 12/10/02 41 0435121975 05 02/01/03 30 036905504729 O 01/01/33 0 8293907 575/G02 F 380,000.00 ZZ 360 379,656.47 1 6.500 2,401.86 78 6.250 2,401.86 EDGEWATER MD 21037 5 11/22/02 00 0435129762 05 01/01/03 0 0012254496 O 12/01/32 0 8293909 K15/G02 F 88,600.00 ZZ 360 88,600.00 1 6.750 574.66 80 6.500 574.66 LANSING MI 48906 5 12/10/02 00 0435117536 05 02/01/03 0 036305506509 O 01/01/33 0 8294013 U05/G02 F 205,500.00 ZZ 360 205,323.07 1 6.750 1,332.87 75 6.500 1,332.87 UPLAND CA 91786 5 11/18/02 00 0435124144 05 01/01/03 0 3281447 O 12/01/32 0 8294037 U05/G02 F 257,400.00 ZZ 360 257,400.00 1 6.500 1,626.94 90 6.250 1,626.94 SAN JOSE CA 95148 1 12/02/02 14 0435156054 09 02/01/03 25 3270218 N 01/01/33 0 8294043 A06/G02 F 319,500.00 ZZ 360 319,500.00 1 6.500 2,019.46 90 6.250 2,019.46 HIGHLAND MI 48356 5 12/06/02 11 0435127683 05 02/01/03 25 1 035000020230963 O 01/01/33 0 8294051 U05/G02 F 76,500.00 ZZ 240 76,500.00 2 6.750 581.68 77 6.500 581.68 PHILADELPHIA PA 19149 2 12/04/02 00 0435127741 07 02/01/03 0 3278262 N 01/01/23 0 8294093 G34/G02 F 281,000.00 ZZ 360 280,769.67 4 7.000 1,869.50 90 6.750 1,869.50 ONTARIO CA 91764 1 11/22/02 02 0435154893 05 01/01/03 25 41000585 N 12/01/32 0 8294135 253/253 F 134,125.00 ZZ 360 134,003.74 1 6.500 847.77 36 6.250 847.77 AUSTIN TX 78759 2 11/26/02 00 439860 05 01/01/03 0 439860 O 12/01/32 0 8294171 N74/G02 F 173,000.00 ZZ 360 173,000.00 1 6.750 1,122.07 90 6.500 1,122.07 STAFFORD VA 22554 2 12/12/02 10 0435135389 03 02/01/03 25 0031326010 O 01/01/33 0 8294173 A39/G02 F 456,000.00 ZZ 360 456,000.00 1 6.375 2,844.85 80 6.125 2,844.85 SHERMAN OAKS CA 91423 1 12/02/02 00 0435128111 05 02/01/03 0 2202397 O 01/01/33 0 1 8294203 U05/G02 F 85,000.00 ZZ 360 85,000.00 1 6.875 558.39 36 6.625 558.39 NACOGDOCHES TX 75965 5 12/02/02 00 0435123013 05 02/01/03 0 3283391 O 01/01/33 0 8294223 E82/G02 F 91,500.00 ZZ 360 91,500.00 1 6.375 570.84 79 6.125 570.84 LAS CRUCES NM 88001 2 12/10/02 00 0400744371 05 02/01/03 0 2878338 O 01/01/33 0 8294231 U05/G02 F 400,000.00 ZZ 360 400,000.00 1 6.375 2,495.48 78 6.125 2,495.48 SEATTLE WA 98119 5 12/03/02 00 0435123542 05 02/01/03 0 3287610 O 01/01/33 0 8294245 E82/G02 F 236,500.00 ZZ 360 236,500.00 1 6.500 1,494.84 61 6.250 1,494.84 WARREN RI 02885 2 12/11/02 00 0400730016 05 02/01/03 0 6774062 O 01/01/33 0 8294291 U05/G02 F 347,700.00 ZZ 360 347,428.76 1 7.250 2,371.93 95 7.000 2,371.93 OAKLAND CA 94606 1 11/07/02 10 0435154729 05 01/01/03 30 3273896 O 12/01/32 0 8294387 U19/G02 F 136,000.00 ZZ 360 136,000.00 1 6.375 848.46 80 6.125 848.46 1 DENVER CO 80207 5 12/13/02 00 0435147467 05 02/01/03 0 0212050000 O 01/01/33 0 8294395 N74/G02 F 65,600.00 ZZ 360 65,600.00 1 6.750 425.48 80 6.500 425.48 HOUSTON TX 77075 5 12/11/02 00 0435150255 05 02/01/03 0 0031319010 O 01/01/33 0 8294485 E45/G02 F 81,600.00 ZZ 360 81,528.01 1 6.625 522.49 80 6.375 522.49 DELRAY BEACH FL 33445 5 11/19/02 00 0435110705 01 01/01/03 0 305085 O 12/01/32 0 8294509 U05/G02 F 430,000.00 ZZ 360 429,601.74 1 6.375 2,682.64 70 6.125 2,682.64 IRVINE CA 92612 5 11/25/02 00 0435122999 05 01/01/03 0 3281763 O 12/01/32 0 8294523 E45/G02 F 132,600.00 ZZ 360 132,491.31 1 7.000 882.19 80 6.750 882.19 AURORA IL 60504 1 11/26/02 00 0435110713 01 01/01/03 0 318280 N 12/01/32 0 8294533 S27/G02 F 209,000.00 ZZ 360 209,000.00 1 6.625 1,338.25 76 6.375 1,338.25 CASSELBERRY FL 32707 2 12/04/02 00 0435123377 05 02/01/03 0 1010023205 O 01/01/33 0 1 8294621 X31/G02 F 340,000.00 ZZ 360 339,707.27 1 6.750 2,205.23 95 6.500 2,205.23 CHINO HILLS CA 91709 1 11/26/02 10 0435129051 05 01/01/03 30 40105315 O 12/01/32 0 8294887 N67/G02 F 130,500.00 ZZ 360 130,228.79 1 7.875 946.22 90 7.625 946.22 CHICAGO IL 60639 1 09/09/02 01 0435072046 05 11/01/02 30 3255003156 O 10/01/32 0 8295011 N67/G02 F 148,500.00 ZZ 360 148,392.52 1 7.625 1,051.07 90 7.375 1,051.07 HINCKLEY MN 55037 1 11/01/02 01 0435073077 05 01/01/03 30 1161002483 O 12/01/32 0 8295093 N67/G02 F 117,000.00 ZZ 360 116,919.48 1 7.875 848.33 90 7.625 848.33 HENDERSON NV 89014 5 11/04/02 01 0435073556 03 01/01/03 30 1162000381 O 12/01/32 0 8295095 N67/G02 F 192,000.00 ZZ 360 191,857.51 1 7.500 1,342.49 80 7.250 1,342.49 PARK CITY UT 84098 2 11/01/02 00 0435073598 05 01/01/03 0 1162000422 O 12/01/32 0 8295133 N67/G02 F 338,000.00 ZZ 360 337,325.36 1 1 6.000 2,026.48 80 5.750 2,026.48 RENO NV 89509 2 10/25/02 00 0435074042 03 12/01/02 0 1260005156 O 11/01/32 0 8295135 N67/G02 F 999,950.00 ZZ 360 998,001.26 1 6.125 6,075.80 40 5.875 6,075.80 PARADISE VALLEY AZ 85253 2 10/24/02 00 0435074067 05 12/01/02 0 1760003198 O 11/01/32 0 8295147 N67/G02 F 180,000.00 ZZ 360 179,711.27 1 7.125 1,212.69 48 6.875 1,212.69 SEATTLE WA 98112 5 10/30/02 00 0435074208 05 12/01/02 0 1781003151 O 11/01/32 0 8295187 N67/G02 F 132,900.00 ZZ 360 132,808.54 1 7.875 963.62 90 7.625 963.62 PHOENIX AZ 85050 1 11/04/02 01 0435074638 03 01/01/03 30 1781003729 O 12/01/32 0 8295231 N67/G02 F 168,100.00 ZZ 360 167,750.67 1 7.875 1,218.84 90 7.625 1,218.84 PEORIA AZ 85345 1 09/23/02 01 0435075015 03 11/01/02 30 1785003296 O 10/01/32 0 8295333 N67/G02 F 103,900.00 ZZ 360 103,710.31 1 7.500 726.48 80 7.250 726.48 LAWRENCEVILLE GA 30045 1 10/02/02 00 0435075965 05 12/01/02 0 1 3252003025 O 11/01/32 0 8295441 N67/G02 F 207,500.00 ZZ 360 207,053.13 1 7.250 1,415.52 80 7.000 1,415.52 WEST GROVE PA 19390 1 11/06/02 00 0435076807 05 01/01/03 0 3264001326 O 12/01/32 0 8295533 T44/G02 F 356,000.00 ZZ 360 355,685.91 1 6.625 2,279.51 80 6.375 2,279.51 PETALUMA CA 94952 1 11/20/02 00 0435146360 05 01/01/03 0 1060044 O 12/01/32 0 8295971 R80/G02 F 383,000.00 ZZ 360 383,000.00 1 6.375 2,389.42 77 6.125 2,389.42 CAREFREE AZ 85377 5 12/06/02 00 0435121090 05 02/01/03 0 30070 O 01/01/33 0 8295973 E22/G02 F 155,960.00 ZZ 360 155,960.00 1 6.750 1,011.55 80 6.500 1,011.55 SAN DIEGO CA 92117 1 12/12/02 00 0415574409 01 02/01/03 0 0415574409 N 01/01/33 0 8295977 E22/G02 F 175,350.00 ZZ 360 175,350.00 1 6.375 1,093.96 38 6.125 1,093.96 EVANSTON IL 60201 5 12/12/02 00 0415580539 05 02/01/03 0 0415580539 O 01/01/33 0 1 8295983 E22/G02 F 60,000.00 ZZ 360 60,000.00 1 6.375 374.32 60 6.125 374.32 ROWLETT TX 75089 5 12/13/02 00 0415593748 05 02/01/03 0 0415593748 N 01/01/33 0 8295993 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.375 1,247.74 79 6.125 1,247.74 THE WOODLANDS TX 77381 5 12/12/02 00 0415610815 03 02/01/03 0 0415610815 O 01/01/33 0 8295999 E22/G02 F 85,500.00 ZZ 360 85,500.00 4 7.625 605.16 90 7.375 605.16 DECATUR AL 35601 1 12/17/02 04 0415616689 05 02/01/03 25 0415616689 N 01/01/33 0 8296001 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.750 1,297.20 80 6.500 1,297.20 CAPE CORAL FL 33990 5 12/12/02 00 0415618602 05 02/01/03 0 0415618602 O 01/01/33 0 8296007 E22/G02 F 224,800.00 ZZ 360 224,800.00 1 6.250 1,384.13 80 6.000 1,384.13 JACKSON NJ 08527 1 12/17/02 00 0415633833 05 02/01/03 0 0415633833 O 01/01/33 0 8296011 E22/G02 F 67,200.00 ZZ 360 67,200.00 1 6.500 424.75 80 6.250 424.75 1 SARDINIA OH 45171 1 12/17/02 00 0415635218 05 02/01/03 0 0415635218 O 01/01/33 0 8296031 E22/G02 F 253,730.00 ZZ 360 253,730.00 4 7.250 1,730.89 69 7.000 1,730.89 UPLAND CA 91786 2 12/06/02 00 0415647783 05 02/01/03 0 0415647783 N 01/01/33 0 8296033 E22/G02 F 174,400.00 ZZ 360 174,400.00 1 6.250 1,073.81 72 6.000 1,073.81 AUSTIN TX 78749 5 12/12/02 00 0415651090 03 02/01/03 0 0415651090 O 01/01/33 0 8296045 E22/G02 F 60,300.00 ZZ 360 60,300.00 1 7.625 426.80 95 7.375 426.80 KANSAS CITY MO 64124 1 12/17/02 01 0415675016 05 02/01/03 30 0415675016 O 01/01/33 0 8296053 E22/G02 F 468,750.00 ZZ 360 468,750.00 1 6.500 2,962.82 75 6.250 2,962.82 GLENDORA CA 91741 5 12/09/02 00 0415692250 05 02/01/03 0 0415692250 O 01/01/33 0 8296055 E22/G02 F 84,800.00 ZZ 360 84,800.00 1 7.500 592.93 80 7.250 592.93 DERRY NH 03038 1 12/16/02 00 0415696368 01 02/01/03 0 0415696368 N 01/01/33 0 1 8296067 E22/G02 F 209,000.00 ZZ 240 209,000.00 1 6.375 1,542.91 51 6.125 1,542.91 BERKELEY CA 94704 5 12/02/02 00 0415336643 05 02/01/03 0 0415336643 O 01/01/23 0 8296071 E22/G02 F 135,000.00 ZZ 360 135,000.00 1 6.500 853.29 73 6.250 853.29 CRANSTON RI 02920 5 12/11/02 00 0415138650 05 02/01/03 0 0415138650 O 01/01/33 0 8296077 E22/G02 F 70,000.00 ZZ 360 70,000.00 1 6.750 454.02 56 6.500 454.02 CARROLLTON TX 75007 5 12/12/02 00 0415210293 05 02/01/03 0 0415210293 O 01/01/33 0 8296095 E22/G02 F 530,000.00 ZZ 360 530,000.00 1 6.625 3,393.65 76 6.375 3,393.65 HAMPTON FALLS NH 03844 5 12/10/02 00 0415312115 05 02/01/03 0 0415312115 O 01/01/33 0 8296127 E22/G02 F 92,800.00 ZZ 360 92,800.00 1 6.750 601.90 80 6.500 601.90 SACRAMENTO CA 95817 1 12/03/02 00 0415409416 05 02/01/03 0 0415409416 N 01/01/33 0 8296183 E22/G02 F 194,391.00 ZZ 360 194,391.00 1 1 7.250 1,326.09 90 7.000 1,326.09 REISTERSTOWN MD 21136 1 12/17/02 04 0415423870 09 02/01/03 25 0415423870 O 01/01/33 0 8296189 E22/G02 F 295,000.00 ZZ 360 295,000.00 1 6.375 1,840.42 59 6.125 1,840.42 LAKEVILLE CT 06039 5 12/11/02 00 0415430099 05 02/01/03 0 0415430099 O 01/01/33 0 8296203 E22/G02 F 78,300.00 ZZ 360 78,300.00 1 6.375 488.49 90 6.125 488.49 HIALEAH FL 33012 1 12/17/02 04 0415447846 01 02/01/03 25 0415447846 O 01/01/33 0 8296209 E22/G02 F 213,000.00 ZZ 360 213,000.00 1 6.375 1,328.84 78 6.125 1,328.84 TAOS NM 87571 2 12/11/02 00 0415453752 05 02/01/03 0 0415453752 O 01/01/33 0 8296239 E22/G02 F 565,000.00 ZZ 360 565,000.00 1 6.375 3,524.86 65 6.125 3,524.86 CUPERTINO CA 95014 5 12/11/02 00 0415486380 05 02/01/03 0 0415486380 O 01/01/33 0 8296243 E22/G02 F 84,600.00 ZZ 360 84,600.00 1 6.750 548.71 90 6.500 548.71 MOBILE AL 36695 5 12/12/02 10 0415494855 05 02/01/03 25 1 0415494855 O 01/01/33 0 8296251 E22/G02 F 169,808.00 ZZ 360 169,808.00 1 6.375 1,059.38 80 6.125 1,059.38 ST CHARLES MO 63303 1 12/17/02 00 0415511526 09 02/01/03 0 0415511526 O 01/01/33 0 8296255 E22/G02 F 151,000.00 ZZ 360 151,000.00 1 6.500 954.42 79 6.250 954.42 GRAND JUNCTION CO 81505 2 12/11/02 00 0415515287 03 02/01/03 0 0415515287 O 01/01/33 0 8296277 E22/G02 F 87,300.00 ZZ 360 87,300.00 2 7.000 580.81 90 6.750 580.81 PLAINFIELD NJ 07061 1 12/17/02 10 0415713205 05 02/01/03 25 0415713205 O 01/01/33 0 8296299 E82/G02 F 178,300.00 ZZ 360 178,300.00 1 6.500 1,126.98 63 6.250 1,126.98 MAPLE VALLEY WA 98038 2 12/13/02 00 0400738969 03 02/01/03 0 4646247 O 01/01/33 0 8296319 E82/G02 F 61,300.00 ZZ 360 61,300.00 1 6.625 392.51 25 6.375 392.51 BURBANK CA 91504 2 12/09/02 00 0400683827 05 02/01/03 0 0400683827 O 01/01/33 0 1 8296331 E82/G02 F 130,000.00 ZZ 360 130,000.00 1 6.375 811.03 75 6.125 811.03 SONOMA CA 95476 2 12/04/02 00 0400730412 05 02/01/03 0 1871180 O 01/01/33 0 8296341 E82/G02 F 420,000.00 ZZ 360 420,000.00 1 6.875 2,759.10 80 6.625 2,759.10 DENVER CO 80210 2 12/13/02 00 0400751590 05 02/01/03 0 5106170 O 01/01/33 0 8296347 E82/G02 F 256,000.00 ZZ 360 256,000.00 1 6.500 1,618.09 73 6.250 1,618.09 NORTHVILLE TOWN MI 48167 2 12/13/02 00 0400716452 05 02/01/03 0 1848392 N 01/01/33 0 8296359 E82/G02 F 200,000.00 ZZ 360 200,000.00 1 6.375 1,247.74 69 6.125 1,247.74 CHINO CA 91710 5 12/11/02 00 0400736260 05 02/01/03 0 0400736260 O 01/01/33 0 8296365 E82/G02 F 95,500.00 ZZ 360 95,500.00 1 6.375 595.80 74 6.125 595.80 REDLANDS CA 92373 2 12/11/02 00 0400743068 05 02/01/03 0 1861364 O 01/01/33 0 8296413 144/144 F 200,000.00 ZZ 360 199,628.54 1 6.375 1,247.74 39 6.125 1,247.74 1 IRVINGTON NY 10533 5 10/23/02 00 184442209 05 12/01/02 0 184442209 O 11/01/32 0 8296535 Q31/G02 F 556,800.00 ZZ 360 556,800.00 1 6.375 3,473.71 80 6.125 3,473.71 SAN DIEGO CA 92127 1 12/11/02 00 0435128061 03 02/01/03 0 SD878252 O 01/01/33 0 8296587 X78/G02 F 114,000.00 ZZ 360 114,000.00 1 6.875 748.90 80 6.625 748.90 NORCROSS GA 30071 5 12/11/02 00 0435134747 05 02/01/03 0 990233 O 01/01/33 0 8296665 642/G02 F 98,228.00 ZZ 360 98,228.00 1 7.000 653.51 80 6.750 653.51 FREDERICK MD 21701 1 12/02/02 00 0435116090 09 02/01/03 0 10209802 N 01/01/33 0 8296679 F89/G02 F 150,000.00 ZZ 360 150,000.00 1 6.375 935.80 56 6.125 935.80 CHICO CA 95928 5 12/06/02 00 0435158449 05 02/01/03 0 15024928 O 01/01/33 0 8296701 F89/G02 F 71,900.00 ZZ 360 71,835.00 1 6.500 454.46 70 6.250 454.46 LAS VEGAS NV 89123 1 11/25/02 00 0435124722 01 01/01/03 0 21026029 N 12/01/32 0 1 8296731 950/G02 F 350,000.00 ZZ 360 349,705.96 1 6.875 2,299.25 80 6.625 2,299.25 KENT WA 98031 1 11/08/02 00 0435124532 05 01/01/03 0 EW211004 O 12/01/32 0 8296793 L03/G02 F 85,500.00 ZZ 360 85,500.00 1 6.500 540.42 75 6.250 540.42 PEORIA AZ 85345 1 12/11/02 00 0435128129 05 02/01/03 0 40009053 N 01/01/33 0 8296811 W02/G02 F 80,750.00 ZZ 360 80,678.75 1 6.625 517.06 92 6.375 517.06 MIDDLEBURG FL 32068 5 11/20/02 12 0435121413 05 01/01/03 30 1001752037 O 12/01/32 0 8296813 E47/G02 F 73,350.00 ZZ 360 73,350.00 1 6.500 463.62 80 6.250 463.62 SAN ANTONIO TX 78249 1 12/06/02 00 0435133772 03 02/01/03 0 7329012935 O 01/01/33 0 8296817 P67/G02 F 52,400.00 ZZ 360 52,400.00 1 7.500 366.39 73 7.250 366.39 LACONIA NH 03247 5 12/17/02 00 0435126149 01 02/01/03 0 654409 N 01/01/33 0 8296853 U85/G02 F 118,750.00 ZZ 360 118,666.19 2 1 7.750 850.74 95 7.500 850.74 WEST ALLIS WI 53219 2 11/01/02 10 0435139365 05 01/01/03 30 DANGER O 12/01/32 0 8296867 420/G02 F 169,000.00 ZZ 360 168,858.02 2 6.875 1,110.21 79 6.625 1,110.21 FORT BRAGG CA 95437 1 11/21/02 00 0435120894 05 01/01/03 0 72003908 N 12/01/32 0 8296893 P59/G02 F 106,999.00 ZZ 360 106,919.59 1 7.500 748.15 90 7.250 748.15 SHANDON CA 93461 1 11/21/02 01 0435170345 05 01/01/03 25 AT004872 O 12/01/32 0 8296935 K15/G02 F 153,500.00 ZZ 360 153,500.00 1 6.500 970.22 73 6.250 970.22 BROCKTON MA 02301 5 12/11/02 00 0435126610 05 02/01/03 0 033305306524 O 01/01/33 0 8297025 U28/G02 F 74,000.00 ZZ 360 74,000.00 2 6.375 461.66 65 6.125 461.66 ATHENS GA 30606 2 12/10/02 00 0435127626 05 02/01/03 0 GOFFST8 N 01/01/33 0 8297051 R65/G02 F 320,000.00 ZZ 360 319,696.37 1 6.250 1,970.30 80 6.000 1,970.30 LEONARDO NJ 07737 5 11/22/02 00 0435123641 05 01/01/03 0 1 7482240000 O 12/01/32 0 8297061 U19/G02 F 133,900.00 ZZ 360 133,900.00 1 7.250 913.43 95 7.000 913.43 DENVER CO 80204 1 12/13/02 04 0435131073 01 02/01/03 30 0212060000 O 01/01/33 0 8297135 S11/G02 F 359,200.00 ZZ 360 359,200.00 1 6.250 2,211.66 80 6.000 2,211.66 SAN JOSE CA 95111 1 12/10/02 00 0435153598 05 02/01/03 0 10210335 O 01/01/33 0 8297253 588/G02 F 388,000.00 ZZ 360 387,330.00 1 6.750 2,516.56 80 6.500 2,516.56 GREAT FALLS VA 22066 1 10/24/02 00 0435143656 05 12/01/02 0 00010796547 O 11/01/32 0 8297257 K15/G02 F 109,000.00 ZZ 360 108,919.11 1 7.500 762.14 95 7.250 762.14 LANSING MI 48911 5 11/25/02 41 0435120522 05 01/01/03 30 112502 O 12/01/32 0 8297299 B57/G02 F 316,000.00 ZZ 360 316,000.00 1 6.375 1,971.43 75 6.125 1,971.43 VENTURA CA 93003 5 12/01/02 00 0435171939 05 02/01/03 0 75000074 O 01/01/33 0 1 8297303 408/G02 F 71,100.00 ZZ 360 71,100.00 1 6.875 467.08 65 6.625 467.08 CATAWISSA PA 19066 2 12/06/02 00 0435128012 05 02/01/03 0 703031278 N 01/01/33 0 8297315 408/G02 F 202,400.00 ZZ 360 202,400.00 1 6.500 1,279.31 80 6.250 1,279.31 KANSAS CITY MO 64151 1 12/06/02 00 0435129622 03 02/01/03 0 703031627 O 01/01/33 0 8297333 X82/G02 F 400,000.00 ZZ 360 399,374.03 1 7.250 2,728.71 70 7.000 2,728.71 NOKESVILLE VA 20181 2 11/01/02 00 0435121009 05 12/01/02 0 843439 O 11/01/32 0 8297385 A06/G02 F 148,410.00 ZZ 360 148,410.00 1 7.750 1,063.23 90 7.500 1,063.23 ARMADA MI 48005 1 12/16/02 11 0435121272 05 02/01/03 25 035000020222838 N 01/01/33 0 8297395 408/G02 F 93,400.00 ZZ 360 93,319.59 2 6.750 605.79 69 6.500 605.79 BLUE SPRINGS MO 64014 5 11/27/02 00 0435128210 05 01/01/03 0 703031087 N 12/01/32 0 8297399 X13/G02 F 154,000.00 ZZ 360 154,000.00 1 6.125 935.73 71 5.875 935.73 1 FRESNO CA 93720 5 12/12/02 00 0435131974 05 02/01/03 0 0652380 O 01/01/33 0 8297423 L20/G02 F 127,920.00 ZZ 360 127,920.00 1 6.000 766.95 80 5.750 766.95 BOUNTIFUL UT 84010 1 12/16/02 00 0435128160 05 02/01/03 0 1061070102 O 01/01/33 0 8297453 A06/G02 F 112,000.00 ZZ 360 112,000.00 1 6.375 698.74 80 6.125 698.74 WATERFORD MI 48327 5 12/06/02 00 0435121678 05 02/01/03 0 021000020229982 O 01/01/33 0 8297547 U85/G02 F 96,000.00 ZZ 360 96,000.00 1 7.500 671.25 80 7.250 671.25 WEST BEND WI 53095 1 12/09/02 00 0435129010 05 02/01/03 0 100121 N 01/01/33 0 8297555 420/G02 F 319,200.00 ZZ 360 318,918.38 1 6.625 2,043.87 80 6.375 2,043.87 CLOVERDALE CA 95425 1 11/25/02 00 0435144332 05 01/01/03 0 72004531 O 12/01/32 0 8297575 A06/G02 F 306,400.00 ZZ 360 306,400.00 1 6.375 1,911.54 80 6.125 1,911.54 FARMINGTON HILL MI 48331 5 12/10/02 00 0435173273 05 02/01/03 0 0210020228992 O 01/01/33 0 1 8297617 Q87/G02 F 56,000.00 ZZ 240 55,885.81 1 6.500 417.52 45 6.250 417.52 ADDISON AL 35540 5 12/09/02 00 0435173471 05 01/13/03 0 THJO05 O 12/13/22 0 8297629 L76/G02 F 139,000.00 ZZ 360 139,000.00 1 6.250 855.85 80 6.000 855.85 ANOKA MN 55303 5 12/13/02 00 0435124672 05 02/01/03 0 9507352 O 01/01/33 0 8297907 225/G02 F 650,000.00 ZZ 360 648,792.76 1 6.375 4,055.15 71 6.125 4,055.15 PRINCETON NJ 08540 5 10/28/02 00 0435122411 05 12/01/02 0 006853140 O 11/01/32 0 8297979 225/G02 F 525,000.00 ZZ 360 524,001.11 1 6.250 3,232.52 75 6.000 3,232.52 ARLINGTON HEI IL 60004 5 10/29/02 00 0435122916 05 12/01/02 0 007413916 O 11/01/32 0 8298003 U35/G02 F 36,000.00 ZZ 360 36,000.00 1 6.875 236.49 75 6.625 236.49 FAIRFIELD IA 52556 5 12/16/02 00 0435141841 05 02/01/03 0 0010348706 O 01/01/33 0 8298037 225/G02 F 412,500.00 ZZ 360 412,117.95 1 1 6.375 2,573.46 75 6.125 2,573.46 HOLMDEL NJ 07733 5 11/07/02 00 0435116934 05 01/01/03 0 006857147 O 12/01/32 0 8298185 225/G02 F 487,500.00 ZZ 360 487,026.17 1 6.125 2,962.11 75 5.875 2,962.11 TRABUCO CANYON CA 92679 5 11/04/02 00 0435114533 03 01/01/03 0 007418850 O 12/01/32 0 8298199 P01/G02 F 52,650.00 ZZ 360 52,610.92 2 7.500 368.14 90 7.250 368.14 ALBANY NY 12206 1 11/26/02 04 0435130018 05 01/01/03 25 02009840 N 12/01/32 0 8298353 225/G02 F 460,000.00 ZZ 360 459,145.62 1 6.375 2,869.81 73 6.125 2,869.81 HAWTHORNE WOODS IL 60047 5 10/21/02 00 0435123898 03 12/01/02 0 007406870 O 11/01/32 0 8298413 W02/G02 F 152,000.00 ZZ 360 151,865.90 1 6.625 973.27 95 6.375 973.27 MIAMI FL 33177 5 11/25/02 12 0435194618 05 01/01/03 30 1001627025 O 12/01/32 0 8298595 225/G02 F 450,000.00 ZZ 360 449,573.02 1 6.250 2,770.73 75 6.000 2,770.73 LA VERNE CA 91750 5 11/01/02 00 0435122007 03 01/01/03 0 1 007410092 O 12/01/32 0 8298685 U96/G02 F 540,000.00 ZZ 360 540,000.00 1 6.250 3,324.87 80 6.000 3,324.87 HOLUALOA HI 96725 1 12/06/02 00 0435145552 03 02/01/03 0 21000119 O 01/01/33 0 8298757 225/G02 F 443,000.00 ZZ 360 442,554.70 1 6.500 2,800.07 74 6.250 2,800.07 COLFAX CA 95713 5 11/04/02 00 0435124771 05 01/01/03 0 007411879 O 12/01/32 0 8298783 225/G02 F 650,000.00 ZZ 360 648,733.25 1 6.125 3,949.47 74 5.875 3,949.47 PARADISE VALL AZ 85253 5 10/30/02 00 0435122817 05 12/01/02 0 007412176 O 11/01/32 0 8298791 W02/G02 F 108,000.00 ZZ 360 107,915.74 1 7.250 736.76 90 7.000 736.76 ORLANDO FL 32818 5 11/22/02 12 0435194949 05 01/01/03 25 1001653848 O 12/01/32 0 8298969 225/G02 F 525,000.00 ZZ 360 524,477.36 1 6.000 3,147.64 75 5.750 3,147.64 CHARLOTTE NC 28720 5 11/04/02 00 0435125026 05 01/01/03 0 008481579 O 12/01/32 0 1 8299003 F34/G02 F 272,400.00 ZZ 360 272,176.72 1 7.000 1,812.28 80 6.750 1,812.28 WINCHESTER VA 22602 1 11/27/02 00 0435127840 03 01/01/03 0 02921138 O 12/01/32 0 8299031 M37/G02 F 137,500.00 ZZ 300 137,500.00 1 6.250 907.05 55 6.000 907.05 FLAGSTAFF AZ 86004 2 12/04/02 00 0435169537 05 02/01/03 0 610080 O 01/01/28 0 8299057 M27/G02 F 90,700.00 ZZ 360 90,700.00 1 6.500 573.29 59 6.250 573.29 MEMPHIS TN 38111 2 12/06/02 00 0435173158 05 02/01/03 0 5000053094 O 01/01/33 0 8299061 L20/G02 F 92,000.00 ZZ 360 92,000.00 1 6.750 596.71 80 6.500 596.71 NAMPA ID 83651 1 12/12/02 00 0435128186 03 02/01/03 0 1151120276 O 01/01/33 0 8299107 U19/G02 F 149,400.00 ZZ 360 149,400.00 1 7.250 1,019.17 95 7.000 1,019.17 DENVER CO 80204 1 12/17/02 01 0435126396 01 02/01/03 25 0212100000 O 01/01/33 0 8299133 K15/G02 F 83,300.00 ZZ 360 83,231.72 1 7.000 554.20 85 6.750 554.20 1 RENO NV 89506 2 11/25/02 41 0435122056 09 01/01/03 12 0221506459 O 12/01/32 0 8299145 Q14/G02 F 36,900.00 ZZ 360 36,900.00 1 7.500 258.01 90 7.250 258.01 INDEPENDENCE MO 64050 1 12/17/02 01 0435122080 05 02/01/03 25 0000210599 N 01/01/33 0 8299933 U05/G02 F 355,000.00 ZZ 360 354,671.20 1 6.375 2,214.74 79 6.125 2,214.74 SAN JOSE CA 95121 2 11/19/02 00 0435158415 05 01/01/03 0 3274491 O 12/01/32 0 8299935 W39/G02 F 143,200.00 ZZ 360 143,200.00 1 6.375 893.38 80 6.125 893.38 ST MARTINVILLE LA 70582 2 12/13/02 00 0435136007 05 02/01/03 0 MH020972 O 01/01/33 0 8299939 U05/G02 F 128,000.00 ZZ 360 127,887.07 1 6.625 819.60 80 6.375 819.60 STOCKTON CA 95204 1 11/14/02 00 0435124490 05 01/01/03 0 3283706 N 12/01/32 0 8299941 U05/G02 F 197,600.00 ZZ 360 197,600.00 1 6.500 1,248.97 72 6.250 1,248.97 GARLAND TX 75044 2 12/06/02 00 0435125307 03 02/01/03 0 3279961 O 01/01/33 0 1 8299945 U05/G02 F 469,500.00 ZZ 360 469,500.00 1 6.250 2,890.79 54 6.000 2,890.79 FORT LAUDERDALE FL 33308 2 12/04/02 00 0435124482 05 02/01/03 0 3275831 O 01/01/33 0 8299949 W17/G02 F 72,000.00 ZZ 360 72,000.00 1 7.750 515.82 80 7.500 515.82 MIAMI FL 33193 5 12/10/02 00 0435133715 01 02/01/03 0 020350 N 01/01/33 0 8300653 E22/G02 F 250,000.00 ZZ 360 250,000.00 1 6.750 1,621.50 69 6.500 1,621.50 WHEATLAND WY 82201 5 12/13/02 00 0415591874 05 02/01/03 0 0415591874 O 01/01/33 0 8300663 E22/G02 F 294,400.00 ZZ 360 294,400.00 1 6.250 1,812.67 80 6.000 1,812.67 UPLAND CA 91786 5 12/12/02 00 0415601202 05 02/01/03 0 0415601202 O 01/01/33 0 8300669 X43/G02 F 275,000.00 ZZ 360 275,000.00 1 6.375 1,715.64 43 6.125 1,715.64 CARLSBAD CA 92009 2 12/10/02 00 0435137112 05 02/01/03 0 11102045 O 01/01/33 0 8300701 E22/G02 F 178,000.00 ZZ 360 178,000.00 1 1 6.500 1,125.08 69 6.250 1,125.08 SANTA MARIA CA 93455 2 12/06/02 00 0415612738 05 02/01/03 0 0415612738 O 01/01/33 0 8300707 E82/G02 F 70,500.00 ZZ 360 70,500.00 1 6.375 439.83 50 6.125 439.83 WILMINGTON DE 19809 2 12/16/02 00 0400736013 05 02/01/03 0 3911870 O 01/01/33 0 8300715 E22/G02 F 175,000.00 ZZ 360 175,000.00 1 6.500 1,106.12 37 6.250 1,106.12 IRVINE CA 92606 5 12/10/02 00 0415614403 03 02/01/03 0 0415614403 O 01/01/33 0 8300735 E22/G02 F 542,500.00 ZZ 360 542,500.00 1 6.375 3,384.49 70 6.125 3,384.49 GRANITE BAY CA 95746 2 12/11/02 00 0415628122 05 02/01/03 0 0415628122 O 01/01/33 0 8300739 E22/G02 F 169,500.00 ZZ 360 169,500.00 1 6.375 1,057.46 70 6.125 1,057.46 ROCHESTER MA 02770 2 12/13/02 00 0415631761 05 02/01/03 0 0415631761 O 01/01/33 0 8300743 E22/G02 F 140,000.00 ZZ 360 140,000.00 1 7.125 943.21 80 6.875 943.21 SHAWNEE KS 66216 5 12/13/02 00 0415637503 05 02/01/03 0 1 0415637503 O 01/01/33 0 8300745 E22/G02 F 300,000.00 ZZ 360 300,000.00 1 6.875 1,970.79 85 6.625 1,970.79 LINDENHURST NY 11757 5 12/13/02 04 0415637701 05 02/01/03 12 0415637701 O 01/01/33 0 8300767 E22/G02 F 205,000.00 ZZ 360 205,000.00 1 6.000 1,229.08 78 5.750 1,229.08 ALTON BAY NH 03810 5 12/13/02 00 0415670561 05 02/01/03 0 0415670561 O 01/01/33 0 8300769 E22/G02 F 188,200.00 ZZ 360 188,200.00 1 7.000 1,252.10 80 6.750 1,252.10 HURST TX 76054 2 12/18/02 00 0415681105 05 02/01/03 0 0415681105 N 01/01/33 0 8300773 E22/G02 F 339,000.00 ZZ 360 339,000.00 1 6.375 2,114.92 74 6.125 2,114.92 DALLAS TX 75230 5 12/13/02 00 0415698489 05 02/01/03 0 0415698489 O 01/01/33 0 8300815 E22/G02 F 150,000.00 ZZ 360 150,000.00 1 6.750 972.90 59 6.500 972.90 CHICO TX 76431 4 12/18/02 00 0414391078 05 02/01/03 0 0414391078 O 01/01/33 0 1 8300845 E22/G02 F 156,000.00 ZZ 360 156,000.00 4 6.875 1,024.81 84 6.625 1,024.81 EDINBURG TX 78539 2 12/17/02 01 0415169754 05 02/01/03 6 0415169754 N 01/01/33 0 8300881 E22/G02 F 220,000.00 ZZ 360 220,000.00 1 6.500 1,390.55 59 6.250 1,390.55 ROSEVILLE CA 95661 5 12/11/02 00 0415453224 05 02/01/03 0 0415453224 O 01/01/33 0 8300885 E22/G02 F 115,000.00 ZZ 360 115,000.00 3 7.250 784.50 59 7.000 784.50 ASHEVILLE NC 28801 5 12/18/02 00 0415460823 05 02/01/03 0 0415460823 N 01/01/33 0 8300887 E22/G02 F 135,000.00 ZZ 360 135,000.00 4 7.000 898.16 59 6.750 898.16 ASHEVILLE NC 28801 2 12/18/02 00 0415461441 05 02/01/03 0 0415461441 N 01/01/33 0 8300897 E22/G02 F 67,200.00 ZZ 360 67,200.00 1 6.875 441.46 80 6.625 441.46 NORTH POLE AK 99705 5 12/11/02 00 0415467224 05 02/01/03 0 0415467224 O 01/01/33 0 8300905 E22/G02 F 228,000.00 ZZ 360 228,000.00 1 6.125 1,385.35 80 5.875 1,385.35 1 MIAMI FL 33165 5 12/13/02 00 0415556273 05 02/01/03 0 0415556273 O 01/01/33 0 8300907 E22/G02 F 100,600.00 ZZ 360 100,600.00 1 6.375 627.61 77 6.125 627.61 ASHEVILLE NC 28806 2 12/18/02 00 0415558428 05 02/01/03 0 0415558428 O 01/01/33 0 8300913 E22/G02 F 102,600.00 ZZ 360 102,600.00 1 7.000 682.60 90 6.750 682.60 REDFORD MI 48239 1 12/18/02 04 0415561893 05 02/01/03 30 0415561893 O 01/01/33 0 8300917 E22/G02 F 290,000.00 ZZ 360 290,000.00 1 6.375 1,809.22 55 6.125 1,809.22 SAN DIEGO CA 92117 5 12/13/02 00 0415567502 05 02/01/03 0 0415567502 O 01/01/33 0 8300921 E22/G02 F 83,200.00 ZZ 360 83,200.00 1 7.250 567.57 80 7.000 567.57 HOUSTON TX 77024 5 12/13/02 00 0415573948 01 02/01/03 0 0415573948 O 01/01/33 0 8300923 E22/G02 F 423,150.00 ZZ 360 423,150.00 1 6.250 2,605.41 51 6.000 2,605.41 AUSTIN TX 78730 2 12/11/02 00 0415578798 03 02/01/03 0 0415578798 O 01/01/33 0 1 8300925 E22/G02 F 335,000.00 ZZ 360 335,000.00 1 6.375 2,089.96 61 6.125 2,089.96 PENRYN CA 95663 2 12/09/02 00 0415580612 05 02/01/03 0 0415580612 O 01/01/33 0 8300931 E22/G02 F 160,000.00 ZZ 360 160,000.00 1 6.500 1,011.31 57 6.250 1,011.31 FORESTHILL CA 95631 5 12/05/02 00 0415586312 05 02/01/03 0 0415586312 O 01/01/33 0 8300939 E22/G02 F 195,000.00 ZZ 360 195,000.00 1 6.250 1,200.65 78 6.000 1,200.65 GOFFSTOWN NH 03045 2 12/13/02 00 0415587799 05 02/01/03 0 0415587799 O 01/01/33 0 8300943 E22/G02 F 428,000.00 ZZ 360 428,000.00 1 6.375 2,670.16 80 6.125 2,670.16 SAN JOSE CA 95128 5 12/13/02 00 0415590587 05 02/01/03 0 0415590587 O 01/01/33 0 8300945 E22/G02 F 170,000.00 ZZ 360 170,000.00 1 6.375 1,060.58 72 6.125 1,060.58 KALAMAZOO MI 49009 2 12/13/02 00 0415196872 05 02/01/03 0 0415196872 O 01/01/33 0 8300959 E22/G02 F 248,800.00 ZZ 360 248,800.00 1 1 7.000 1,655.27 80 6.750 1,655.27 WALNUT CREEK CA 94596 2 12/10/02 00 0415270925 01 02/01/03 0 0415270925 O 01/01/33 0 8300991 E22/G02 F 147,250.00 ZZ 360 147,250.00 1 7.875 1,067.66 95 7.625 1,067.66 GADSDEN AL 35903 1 12/18/02 04 0415344043 05 02/01/03 35 0415344043 O 01/01/33 0 8300993 E22/G02 F 174,000.00 ZZ 360 174,000.00 2 7.500 1,216.63 78 7.250 1,216.63 DENVER CO 80211 5 12/18/02 00 0415347368 05 02/01/03 0 0415347368 N 01/01/33 0 8300995 E22/G02 F 230,400.00 ZZ 360 230,400.00 1 6.500 1,456.28 80 6.250 1,456.28 SAN PABLO CA 94806 5 12/11/02 00 0415348051 05 02/01/03 0 0415348051 O 01/01/33 0 8301011 E22/G02 F 141,200.00 ZZ 360 141,200.00 1 6.250 869.39 78 6.000 869.39 CUERO TX 77954 2 12/12/02 00 0415382035 05 02/01/03 0 0415382035 O 01/01/33 0 8301013 E22/G02 F 104,250.00 ZZ 360 104,250.00 2 6.875 684.85 75 6.625 684.85 BEND OR 97701 2 12/11/02 00 0415384197 05 02/01/03 0 1 0415384197 N 01/01/33 0 8301017 E22/G02 F 136,000.00 ZZ 360 136,000.00 1 7.125 916.26 58 6.875 916.26 DELAND FL 32720 5 12/13/02 00 0415403773 05 02/01/03 0 0415403773 O 01/01/33 0 8301031 E22/G02 F 240,000.00 ZZ 360 240,000.00 1 7.125 1,616.92 75 6.875 1,616.92 HAYWARD CA 94545 1 12/11/02 00 0415471291 05 02/01/03 0 0415471291 N 01/01/33 0 8301041 E22/G02 F 333,570.00 ZZ 360 333,570.00 1 6.375 2,081.04 69 6.125 2,081.04 SAN FRANCISCO CA 94122 2 12/12/02 00 0415505148 07 02/01/03 0 0415505148 O 01/01/33 0 8301049 E22/G02 F 283,500.00 ZZ 360 283,500.00 1 6.375 1,768.67 90 6.125 1,768.67 FORESTHILL CA 95631 5 12/10/02 04 0415514678 05 02/01/03 25 0415514678 O 01/01/33 0 8301057 E22/G02 F 86,000.00 ZZ 360 86,000.00 1 7.250 586.67 62 7.000 586.67 KIRBYVILLE MO 65679 5 12/13/02 00 0415528132 05 02/01/03 0 0415528132 O 01/01/33 0 1 8301059 E22/G02 F 108,800.00 ZZ 360 108,800.00 1 6.500 687.69 80 6.250 687.69 ARLINGTON TX 76018 2 12/13/02 00 0415535582 05 02/01/03 0 0415535582 O 01/01/33 0 8301061 E22/G02 F 243,253.00 ZZ 360 243,253.00 1 6.000 1,458.42 58 5.750 1,458.42 WICHITA FALLS TX 76309 5 12/11/02 00 0415540806 05 02/01/03 0 0415540806 O 01/01/33 0 8301067 E22/G02 F 91,500.00 ZZ 360 91,500.00 1 7.375 631.97 75 7.125 631.97 RAYTOWN MO 64138 5 12/18/02 00 0415545094 05 02/01/03 0 0415545094 N 01/01/33 0 8301069 E22/G02 F 336,500.00 ZZ 360 336,500.00 1 6.500 2,126.91 76 6.250 2,126.91 RANCHO CUCAMONG CA 91739 5 12/11/02 00 0415545292 05 02/01/03 0 0415545292 O 01/01/33 0 8301075 E22/G02 F 50,400.00 ZZ 360 50,400.00 1 7.250 343.82 80 7.000 343.82 SAN ANTONIO TX 78233 1 12/06/02 00 0415286095 05 02/01/03 0 0415286095 N 01/01/33 0 8301093 N47/G02 F 358,400.00 ZZ 360 358,400.00 1 6.500 2,265.33 80 6.250 2,265.33 1 FREMONT CA 94538 2 12/11/02 00 0435148176 05 02/01/03 0 20501287 O 01/01/33 0 8301099 N47/G02 F 345,000.00 ZZ 360 345,000.00 1 6.750 2,237.66 74 6.500 2,237.66 SUNNYVALE CA 94085 5 12/05/02 00 0435149026 05 02/01/03 0 30500913 O 01/01/33 0 8301135 952/G02 F 263,500.00 ZZ 360 263,500.00 1 6.750 1,709.06 55 6.500 1,709.06 YONKERS NY 10701 5 12/13/02 00 0435128913 05 02/01/03 0 20028481 O 01/01/33 0 8301171 U05/G02 F 339,000.00 ZZ 360 339,000.00 1 6.250 2,087.28 80 6.000 2,087.28 COSTA MESA CA 92626 5 12/04/02 00 0435124664 05 02/01/03 0 3287901 O 01/01/33 0 8301175 950/G02 F 350,000.00 ZZ 360 349,683.59 1 6.500 2,212.24 64 6.250 2,212.24 PORLTAND OR 97231 5 11/12/02 00 0435187224 05 01/01/03 0 YC209036 O 12/01/32 0 8301179 W35/G02 F 48,000.00 ZZ 360 47,967.79 1 8.000 352.21 78 7.750 352.21 BRAZIL IN 47834 5 12/11/02 00 0435126446 05 01/16/03 0 15991 O 12/16/32 0 1 8301251 E47/G02 F 344,000.00 ZZ 360 343,731.64 1 7.250 2,346.69 80 7.000 2,346.69 FREMONT CA 94538 5 11/19/02 00 0435171871 05 01/01/03 0 7333012307 O 12/01/32 0 8301255 758/G02 F 485,900.00 ZZ 360 485,900.00 1 6.125 2,952.38 77 5.875 2,952.38 HOUSTON TX 77057 5 12/12/02 00 0435132378 03 02/01/03 0 102751 O 01/01/33 0 8301335 952/G02 F 195,000.00 T 360 195,000.00 1 6.500 1,232.53 40 6.250 1,232.53 LAVALLETTE NJ 08735 5 12/09/02 00 0435139936 05 02/01/03 0 00620178 O 01/01/33 0 8301411 T09/G02 F 385,000.00 ZZ 360 385,000.00 1 6.500 2,433.46 80 6.250 2,433.46 ATASCADERO CA 93422 5 12/02/02 00 0435151824 05 02/01/03 0 2002189200 O 01/01/33 0 8301473 E82/G02 F 199,850.00 ZZ 360 199,850.00 1 6.375 1,246.80 83 6.125 1,246.80 FOUNTAIN VALLEY CA 92708 5 12/12/02 10 0400745162 03 02/01/03 12 0400745162 O 01/01/33 0 8301501 S27/G02 F 121,500.00 ZZ 360 121,500.00 2 1 7.125 818.57 90 6.875 818.57 CHICAGO IL 60620 1 12/17/02 10 0435135983 05 02/01/03 35 1830003697 N 01/01/33 0 8301545 532/G02 F 120,800.00 ZZ 360 120,800.00 1 6.125 733.99 78 5.875 733.99 SHERWOOD OR 97140 5 12/03/02 00 0435136098 05 02/01/03 0 PF03055 O 01/01/33 0 8301925 975/G02 F 308,800.00 ZZ 360 308,800.00 1 6.375 1,926.51 80 6.125 1,926.51 TEMPLE CITY CA 91780 1 12/13/02 00 0435137567 29 02/01/03 0 2025625 O 01/01/33 0 8301975 F34/G02 F 248,400.00 ZZ 360 248,206.22 1 7.250 1,694.53 90 7.000 1,694.53 HARPERS FERRY WV 25425 5 11/27/02 11 0435141510 03 01/01/03 30 81210003 O 12/01/32 0 8301977 W40/G02 F 74,000.00 ZZ 360 74,000.00 1 6.750 479.96 95 6.500 479.96 PORT HURON MI 48060 2 12/13/02 01 0435140744 05 02/01/03 30 1010154426 O 01/01/33 0 8301981 X13/G02 F 363,000.00 ZZ 360 363,000.00 1 6.250 2,235.06 79 6.000 2,235.06 SLOUGHHOUSE CA 95683 5 12/09/02 00 0435135405 03 02/01/03 0 1 0652884 O 01/01/33 0 8302029 N67/G02 F 106,400.00 ZZ 360 106,400.00 1 6.250 655.12 80 6.000 655.12 PHOENIX AZ 85027 2 12/12/02 00 0435126602 03 02/01/03 0 1760003419 O 01/01/33 0 8302059 U05/G02 F 80,000.00 ZZ 360 80,000.00 1 7.250 545.74 54 7.000 545.74 LAMPASAS TX 76550 5 12/06/02 00 0435134226 05 02/01/03 0 3285406 O 01/01/33 0 8302069 H81/G02 F 272,000.00 ZZ 360 272,000.00 1 6.875 1,786.85 80 6.625 1,786.85 FRANKLIN WI 53132 2 12/06/02 00 0435165295 05 02/01/03 0 WH17104 O 01/01/33 0 8302359 S25/G02 F 48,300.00 ZZ 300 48,185.04 1 7.250 349.12 51 7.000 349.12 WINSTON SALEM NC 27105 5 11/20/02 00 0435134218 05 12/26/02 0 243462402 O 11/26/27 0 8302375 X08/G02 F 166,000.00 ZZ 360 165,846.26 1 6.375 1,035.62 80 6.125 1,035.62 NORTH LOGAN UT 84341 2 11/20/02 00 0435151121 05 01/01/03 0 6013534 N 12/01/32 0 1 8302385 P34/G02 F 116,700.00 ZZ 360 116,700.00 1 6.875 766.64 91 6.625 766.64 NORTH PROVIDENC RI 02911 2 12/06/02 10 0435174743 01 02/01/03 30 15615 O 01/01/33 0 8302421 N47/G02 F 260,000.00 ZZ 360 260,000.00 1 6.375 1,622.06 58 6.125 1,622.06 SAN JOSE CA 95148 2 12/12/02 00 0435175914 05 02/01/03 0 20500629 O 01/01/33 0 8302439 X05/G02 F 348,000.00 ZZ 360 348,000.00 1 6.375 2,171.07 80 6.125 2,171.07 PLACENTIA CA 92870 5 11/26/02 00 0435140090 03 02/01/03 0 01210081 O 01/01/33 0 8302483 642/G02 F 150,000.00 ZZ 360 150,000.00 1 6.500 948.10 79 6.250 948.10 MILLERSBURG PA 17061 5 12/12/02 00 0435129523 05 02/01/03 0 11183702 O 01/01/33 0 8302523 T09/G02 F 428,000.00 ZZ 360 428,000.00 1 6.375 2,670.16 80 6.125 2,670.16 SAN LUIS OBISPO CA 93405 1 12/17/02 00 0435184874 05 02/01/03 0 2002222500 O 01/01/33 0 8302619 E47/G02 F 92,000.00 ZZ 360 92,000.00 1 6.500 581.50 80 6.250 581.50 1 CHARLOTTE NC 28227 1 12/13/02 00 0435133392 05 02/01/03 0 7350510560 N 01/01/33 0 8302835 E47/G02 F 245,650.00 ZZ 360 245,650.00 1 6.375 1,532.54 47 6.125 1,532.54 FORT WORTH TX 76107 5 12/12/02 00 0435194584 05 02/01/03 0 73620103404 O 01/01/33 0 8302865 P44/G02 F 107,200.00 T 360 107,200.00 1 6.875 704.23 80 6.625 704.23 DENNIS MA 02638 1 12/17/02 00 0435128855 01 02/01/03 0 1 O 01/01/33 0 8302959 K15/G02 F 140,100.00 ZZ 360 140,100.00 1 6.500 885.53 63 6.250 885.53 LOUISVILLE KY 40241 5 12/12/02 00 0435127451 05 02/01/03 0 281055047182165 O 01/01/33 0 8303017 A06/G02 F 144,000.00 ZZ 360 143,866.62 1 6.375 898.38 80 6.125 898.38 ALLEN PARK MI 48101 5 11/12/02 00 0435131404 05 01/01/03 0 021000020227613 O 12/01/32 0 8303021 W02/G02 F 60,000.00 ZZ 360 60,000.00 1 6.625 384.19 80 6.375 384.19 MIAMI FL 33157 5 12/10/02 00 0435183470 05 02/01/03 0 1001764596 O 01/01/33 0 1 8303023 B76/G02 F 268,200.00 ZZ 360 268,200.00 3 7.500 1,875.30 90 7.250 1,875.30 LOWELL MA 01851 1 12/13/02 01 0435132097 05 02/01/03 25 0004620407 N 01/01/33 0 8303025 975/G02 F 300,700.00 ZZ 360 300,700.00 1 6.375 1,875.98 74 6.125 1,875.98 LOS ANGELES CA 90041 1 12/09/02 00 0435132436 05 02/01/03 0 2025163 O 01/01/33 0 8303051 B76/G02 F 60,000.00 ZZ 360 60,000.00 1 7.375 414.41 80 7.125 414.41 ROMULUS MI 48174 1 12/06/02 00 0435131842 05 02/01/03 0 0004619755 N 01/01/33 0 8303413 E82/G02 F 76,500.00 ZZ 360 76,500.00 4 6.375 477.26 90 6.125 477.26 KANSAS CITY MO 64111 2 12/17/02 04 0400746350 05 02/01/03 30 6832756 O 01/01/33 0 8303427 E82/G02 F 140,000.00 ZZ 360 140,000.00 1 6.625 896.44 94 6.375 896.44 RALEIGH NC 27610 2 12/17/02 04 0400738530 03 02/01/03 30 0400738530 O 01/01/33 0 8303437 E82/G02 F 95,200.00 ZZ 360 95,200.00 1 1 6.500 601.73 80 6.250 601.73 WEATHERFORD TX 76088 2 12/05/02 00 0400724472 05 02/01/03 0 0400724472 O 01/01/33 0 8303439 E82/G02 F 113,500.00 ZZ 360 113,500.00 1 7.250 774.27 74 7.000 774.27 BURLINGTON NC 27215 5 12/16/02 00 0400739884 05 02/01/03 0 0400739884 O 01/01/33 0 8303559 E22/G02 F 359,000.00 ZZ 360 359,000.00 1 6.000 2,152.39 48 5.750 2,152.39 LONG BEACH CA 90803 5 12/13/02 00 0415428986 05 02/01/03 0 0415428986 O 01/01/33 0 8303563 E22/G02 F 156,000.00 ZZ 360 156,000.00 1 6.500 986.03 54 6.250 986.03 SOPCHOPPY FL 32358 5 12/13/02 00 0415436799 05 02/01/03 0 0415436799 O 01/01/33 0 8303575 E22/G02 F 135,000.00 ZZ 360 135,000.00 1 6.500 853.29 90 6.250 853.29 MT. PLEASANT SC 29464 1 12/19/02 10 0415650183 05 02/01/03 30 0415650183 O 01/01/33 0 8303589 E22/G02 F 228,000.00 ZZ 360 228,000.00 1 7.000 1,516.89 80 6.750 1,516.89 LAKE WORTH FL 33460 1 12/19/02 00 0415672898 05 02/01/03 0 1 0415672898 O 01/01/33 0 8303593 E22/G02 F 144,900.00 ZZ 360 144,900.00 1 7.250 988.47 88 7.000 988.47 MORENO VALLEY CA 92553 1 12/11/02 04 0415676964 05 02/01/03 25 0415676964 O 01/01/33 0 8303607 E22/G02 F 132,400.00 ZZ 360 132,400.00 2 6.500 836.86 80 6.250 836.86 MI WUK VILLAGE CA 95346 1 12/13/02 00 0415702588 05 02/01/03 0 0415702588 N 01/01/33 0 8303615 E22/G02 F 444,000.00 ZZ 360 444,000.00 1 6.750 2,879.78 80 6.500 2,879.78 R. SANTA MARGAR CA 92679 5 12/10/02 00 0415459924 03 02/01/03 0 0415459924 O 01/01/33 0 8303627 E22/G02 F 522,000.00 ZZ 360 522,000.00 1 6.250 3,214.04 80 6.000 3,214.04 BEN LOMOND CA 95005 5 12/09/02 00 0415506419 05 02/01/03 0 0415506419 O 01/01/33 0 8303635 E22/G02 F 130,500.00 ZZ 360 130,500.00 2 7.500 912.47 90 7.250 912.47 MIRAMAR FL 33023 1 12/19/02 04 0415515048 05 02/01/03 25 0415515048 N 01/01/33 0 1 8303645 E22/G02 F 179,920.00 ZZ 360 179,920.00 1 6.375 1,122.47 80 6.125 1,122.47 NORTH CAPE MAY NJ 08204 1 12/19/02 00 0415547116 05 02/01/03 0 0415547116 O 01/01/33 0 8303665 E22/G02 F 143,000.00 ZZ 360 143,000.00 1 6.500 903.86 78 6.250 903.86 ELK GROVE CA 95624 2 12/10/02 00 0415589738 05 02/01/03 0 0415589738 O 01/01/33 0 8303671 E22/G02 F 99,000.00 ZZ 360 99,000.00 4 7.875 717.82 90 7.625 717.82 MADISON AL 35758 1 12/19/02 04 0415602952 05 02/01/03 25 0415602952 N 01/01/33 0 8303673 E22/G02 F 157,000.00 ZZ 360 157,000.00 1 6.875 1,031.38 75 6.625 1,031.38 ARROYO SECO NM 87514 5 12/19/02 00 0415604578 05 02/01/03 0 0415604578 N 01/01/33 0 8303679 E22/G02 F 135,000.00 ZZ 360 135,000.00 4 7.625 955.52 86 7.375 955.52 NEW ORLEANS LA 70119 2 12/19/02 04 0415610294 05 02/01/03 25 0415610294 N 01/01/33 0 8303683 E22/G02 F 383,200.00 ZZ 360 383,200.00 1 6.375 2,390.67 80 6.125 2,390.67 1 LOS ANGELES CA 91364 1 12/11/02 00 0415617752 05 02/01/03 0 0415617752 O 01/01/33 0 8303687 E22/G02 F 90,000.00 ZZ 360 90,000.00 1 7.250 613.96 72 7.000 613.96 CORTEZ CO 81321 2 12/19/02 00 0415624758 05 02/01/03 0 0415624758 N 01/01/33 0 8303695 E22/G02 F 52,000.00 ZZ 360 52,000.00 1 6.875 341.60 80 6.625 341.60 PUEBLO CO 81004 2 12/19/02 00 0415644400 05 02/01/03 0 0415644400 N 01/01/33 0 8303703 E22/G02 F 170,733.00 ZZ 360 170,733.00 1 6.750 1,107.37 95 6.500 1,107.37 CHICAGO IL 60639 5 12/09/02 11 0415258854 05 02/01/03 30 0415258854 O 01/01/33 0 8303773 773/G02 F 396,000.00 ZZ 360 396,000.00 1 5.875 2,342.49 80 5.625 2,342.49 HUDSON MA 01749 5 11/26/02 00 0435122908 05 02/01/03 0 80028516 O 01/01/33 0 8303853 M37/G02 F 139,200.00 ZZ 360 139,200.00 1 6.375 868.43 80 6.125 868.43 CHEYENE WY 82001 1 12/10/02 00 0435191036 05 02/01/03 0 610408 O 01/01/33 0 1 8303953 U28/G02 F 91,000.00 ZZ 360 90,929.01 1 7.250 620.78 74 7.000 620.78 MYRTLE BEACH SC 29588 5 12/09/02 00 0435155023 03 01/01/03 0 1 N 12/01/32 0 8303971 M27/G02 F 52,000.00 ZZ 360 52,000.00 1 7.000 345.96 66 6.750 345.96 MEMPHIS TN 38111 2 12/11/02 00 0435133335 05 02/01/03 0 5000072043 N 01/01/33 0 8304111 575/G02 F 143,900.00 ZZ 360 143,782.04 1 7.000 957.38 80 6.750 957.38 HENDERSONVILLE TN 37075 1 11/25/02 00 0435140264 05 01/01/03 0 0014116529 N 12/01/32 0 8304115 P44/G02 F 149,000.00 ZZ 360 149,000.00 1 7.625 1,054.61 95 7.375 1,054.61 DOVER NH 03821 5 12/09/02 10 0435137625 01 02/01/03 30 003305403 O 01/01/33 0 8304217 U42/G02 F 60,000.00 ZZ 360 59,950.82 1 7.000 399.18 58 6.750 399.18 FORT WORTH TX 76109 5 11/25/02 00 0435156989 05 01/01/03 0 33201233 O 12/01/32 0 8304705 U05/G02 F 372,850.00 ZZ 360 372,850.00 1 1 6.750 2,418.30 80 6.500 2,418.30 PEMBROKE PINES FL 33029 1 12/12/02 00 0435134705 03 02/01/03 0 3291512 O 01/01/33 0 8304783 G34/G02 F 20,400.00 ZZ 360 20,400.00 1 7.250 139.16 79 7.000 139.16 LAS VEGAS NV 89101 1 12/13/02 00 0435140017 01 02/01/03 0 39012561 N 01/01/33 0 8305137 E82/G02 F 121,100.00 ZZ 360 121,100.00 1 6.375 755.51 87 6.125 755.51 SEMINOLE AL 36574 2 12/19/02 10 0400706180 05 02/01/03 25 5097268 O 01/01/33 0 8305141 E82/G02 F 130,000.00 ZZ 360 130,000.00 1 6.875 854.01 79 6.625 854.01 RIVERVIEW FL 33569 5 12/19/02 00 0400726378 03 02/01/03 0 7414654 O 01/01/33 0 8305171 E82/G02 F 286,200.00 ZZ 360 286,200.00 1 6.500 1,808.98 68 6.250 1,808.98 CARMEL IN 46033 2 12/19/02 00 0400752267 03 02/01/03 0 1631558 O 01/01/33 0 8305221 E82/G02 F 105,000.00 ZZ 360 105,000.00 1 6.375 655.06 70 6.125 655.06 PORTLAND ME 04102 5 12/19/02 00 0400748257 05 02/01/03 0 1 0400748257 O 01/01/33 0 8305305 S11/G02 F 400,000.00 ZZ 360 400,000.00 1 6.875 2,627.72 77 6.625 2,627.72 COTO DE CAZA AR CA 92679 1 12/17/02 00 0435145123 03 02/01/03 0 10300066 N 01/01/33 0 8305341 U35/G02 F 138,000.00 ZZ 360 138,000.00 1 7.375 953.13 80 7.125 953.13 FRESNO CA 93710 1 12/19/02 00 0435170576 05 02/01/03 0 0007540102 N 01/01/33 0 8305345 N74/G02 F 97,500.00 ZZ 360 97,500.00 1 6.750 632.38 75 6.500 632.38 SPRINGDALE AR 72762 5 12/16/02 00 0435130166 05 02/01/03 0 0031350010 O 01/01/33 0 8305363 E22/G02 F 194,000.00 ZZ 360 194,000.00 1 6.625 1,242.20 60 6.375 1,242.20 BLOOMFIELD NJ 07003 5 12/16/02 00 0415636737 05 02/01/03 0 0415636737 O 01/01/33 0 8305377 E22/G02 F 102,400.00 ZZ 360 102,400.00 1 7.625 724.78 80 7.375 724.78 FORT LAUDERDALE FL 33334 1 12/20/02 00 0415645340 05 02/01/03 0 0415645340 N 01/01/33 0 1 8305379 E22/G02 F 155,000.00 ZZ 360 155,000.00 1 6.375 967.00 66 6.125 967.00 FARMINGTON HILL MI 48334 5 12/16/02 00 0415647577 05 02/01/03 0 0415647577 O 01/01/33 0 8305391 E22/G02 F 118,000.00 ZZ 360 118,000.00 2 7.250 804.97 75 7.000 804.97 ELIZABETH NJ 07201 1 12/20/02 00 0415655711 05 02/01/03 0 0415655711 N 01/01/33 0 8305399 E22/G02 F 166,250.00 ZZ 360 166,250.00 1 7.250 1,134.12 95 7.000 1,134.12 ROUND LAKE IL 60073 5 12/16/02 11 0415668219 05 02/01/03 30 0415668219 O 01/01/33 0 8305417 E22/G02 F 420,000.00 ZZ 360 420,000.00 1 6.500 2,654.69 60 6.250 2,654.69 VAIL CO 81657 1 12/20/02 00 0415678515 21 02/01/03 0 0415678515 O 01/01/33 0 8305421 E22/G02 F 148,000.00 ZZ 360 148,000.00 1 6.250 911.26 80 6.000 911.26 COCONUT CREEK FL 33073 2 12/16/02 00 0415678598 03 02/01/03 0 0415678598 O 01/01/33 0 8305441 E22/G02 F 44,100.00 ZZ 360 44,100.00 1 7.000 293.40 90 6.750 293.40 1 RANCHO CORDOVA CA 95670 1 12/16/02 04 0415709542 05 02/01/03 25 0415709542 N 01/01/33 0 8305447 E22/G02 F 92,700.00 ZZ 360 92,700.00 3 7.250 632.38 90 7.000 632.38 MUSKEGON MI 49441 1 12/20/02 04 0415718394 05 02/01/03 25 0415718394 N 01/01/33 0 8305455 E22/G02 F 125,962.00 ZZ 360 125,962.00 1 6.375 785.84 75 6.125 785.84 EVERETT WA 98205 1 12/19/02 00 0415722156 03 02/01/03 0 0415722156 N 01/01/33 0 8305461 E22/G02 F 117,515.00 ZZ 360 117,515.00 1 7.000 781.83 95 6.750 781.83 NUNICA MI 49448 1 12/20/02 11 0415761931 05 02/01/03 35 0415761931 O 01/01/33 0 8305463 E22/G02 F 385,000.00 ZZ 360 385,000.00 1 6.375 2,401.90 68 6.125 2,401.90 OAKLAND CA 94605 5 12/12/02 00 0415478007 05 02/01/03 0 0415478007 O 01/01/33 0 8305487 E22/G02 F 285,000.00 ZZ 360 285,000.00 1 6.375 1,778.03 79 6.125 1,778.03 SAN JOSE CA 95112 5 12/02/02 00 0415529973 05 02/01/03 0 0415529973 O 01/01/33 0 1 8305503 E22/G02 F 119,100.00 ZZ 360 119,100.00 1 6.750 772.48 80 6.500 772.48 SPRING HILL KS 66083 5 12/16/02 00 0415546647 05 02/01/03 0 0415546647 O 01/01/33 0 8305507 E22/G02 F 102,844.00 ZZ 360 102,844.00 1 6.875 675.61 97 6.625 675.61 LOUISVILLE KY 40228 1 12/20/02 10 0415547843 01 02/01/03 35 0415547843 O 01/01/33 0 8305511 E22/G02 F 225,000.00 ZZ 360 224,824.48 1 7.250 1,534.90 90 7.000 1,534.90 MIAMI FL 33032 1 11/27/02 04 0415559632 05 01/01/03 30 0415559632 O 12/01/32 0 8305525 E22/G02 F 114,950.00 ZZ 360 114,950.00 1 6.375 717.14 95 6.125 717.14 PORT ORCHARD WA 98366 5 12/16/02 04 0415577881 05 02/01/03 30 0415577881 O 01/01/33 0 8305531 E22/G02 F 174,200.00 ZZ 360 174,200.00 1 6.875 1,144.37 85 6.625 1,144.37 GLASSBORO NJ 08028 2 12/16/02 01 0415588482 05 02/01/03 12 0415588482 O 01/01/33 0 8305535 E22/G02 F 250,000.00 ZZ 360 250,000.00 1 1 6.250 1,539.29 80 6.000 1,539.29 SUGAR LAND TX 77479 5 12/16/02 00 0415592831 03 02/01/03 0 0415592831 O 01/01/33 0 8305549 E22/G02 F 119,000.00 ZZ 360 119,000.00 1 6.500 752.16 70 6.250 752.16 SALT LAKE CITY UT 84102 1 12/13/02 00 0415612332 08 02/01/03 0 0415612332 O 01/01/33 0 8305553 E22/G02 F 124,000.00 T 360 124,000.00 1 6.375 773.60 80 6.125 773.60 SMITH RIVER CA 95567 1 12/12/02 00 0414656199 05 02/01/03 0 0414656199 O 01/01/33 0 8305565 E22/G02 F 399,950.00 ZZ 360 399,950.00 1 6.250 2,462.56 48 6.000 2,462.56 OAKLAND CA 94611 5 12/11/02 00 0415187137 05 02/01/03 0 0415187137 O 01/01/33 0 8305569 E22/G02 F 456,640.00 ZZ 360 456,640.00 1 6.500 2,886.28 79 6.250 2,886.28 SHELL BEACH CA 93449 5 12/09/02 00 0415198555 03 02/01/03 0 0415198555 O 01/01/33 0 8305589 E22/G02 F 88,200.00 ZZ 360 88,200.00 1 6.375 550.25 90 6.125 550.25 EMPORIA KS 66801 2 12/16/02 01 0415265115 05 02/01/03 25 1 0415265115 O 01/01/33 0 8305591 E22/G02 F 223,200.00 ZZ 360 223,200.00 1 7.250 1,522.62 80 7.000 1,522.62 SLEEPY HOLLOW IL 60118 5 12/16/02 00 0415334630 05 02/01/03 0 0415334630 O 01/01/33 0 8305613 E22/G02 F 186,200.00 ZZ 360 186,200.00 1 6.500 1,176.91 66 6.250 1,176.91 HAYWARD CA 94541 5 12/13/02 00 0415412733 05 02/01/03 0 0415412733 O 01/01/33 0 8305623 E22/G02 F 99,750.00 ZZ 360 99,750.00 1 7.875 723.26 95 7.625 723.26 BOONEVILLE MS 38829 5 12/16/02 11 0415433614 05 02/01/03 30 0415433614 O 01/01/33 0 8305627 E22/G02 F 85,200.00 ZZ 360 85,200.00 1 6.250 524.59 80 6.000 524.59 PUEBLO CO 81005 1 12/19/02 00 0415447226 05 02/01/03 0 0415447226 N 01/01/33 0 8305651 E22/G02 F 221,000.00 ZZ 360 221,000.00 1 6.500 1,396.87 87 6.250 1,396.87 ALBUQUERQUE NM 87120 2 12/16/02 01 0415468297 05 02/01/03 25 0415468297 O 01/01/33 0 1 8305655 E22/G02 F 162,400.00 ZZ 360 162,400.00 1 6.500 1,026.48 80 6.250 1,026.48 SOMERVILLE NJ 08876 5 12/16/02 00 0415477066 01 02/01/03 0 0415477066 O 01/01/33 0 8305661 E22/G02 F 272,000.00 ZZ 360 272,000.00 1 6.750 1,764.19 78 6.500 1,764.19 SANTA ROSA CA 95401 5 12/12/02 00 0415477900 05 02/01/03 0 0415477900 O 01/01/33 0 8305737 313/G02 F 227,920.00 ZZ 360 227,723.77 1 6.750 1,478.28 80 6.500 1,478.28 PLANO TX 75023 1 11/22/02 00 0435130299 05 01/01/03 0 0009198243 O 12/01/32 0 8305739 X13/G02 F 387,900.00 ZZ 360 387,900.00 1 6.250 2,388.37 90 6.000 2,388.37 VIENNA VA 22181 5 12/04/02 04 0435142252 05 02/01/03 25 0643729 O 01/01/33 0 8305779 B44/G02 F 143,677.00 ZZ 360 143,677.00 1 6.500 908.14 80 6.250 908.14 MERIDIAN ID 83642 1 12/09/02 00 0435138904 05 02/01/03 0 4021610 O 01/01/33 0 8305803 738/G02 F 85,000.00 ZZ 360 84,938.47 1 7.625 601.63 80 7.375 601.63 1 SNELLVILLE GA 30039 1 11/27/02 00 0435168398 05 01/01/03 0 40726131 N 12/01/32 0 8305821 R84/G02 F 380,000.00 ZZ 360 380,000.00 1 6.375 2,370.71 80 6.125 2,370.71 SEATTLE WA 98177 5 12/02/02 00 0435131677 05 02/01/03 0 WA102436 O 01/01/33 0 8305841 N74/G02 F 127,500.00 ZZ 360 127,384.74 1 6.500 805.89 85 6.250 805.89 FREDERICKSBURG VA 22407 5 12/17/02 10 0435128608 05 01/23/03 12 0031353010 O 12/23/32 0 8305855 G27/G02 F 138,000.00 ZZ 360 138,000.00 1 6.625 883.63 74 6.375 883.63 MANTECA CA 95337 5 12/16/02 00 0435135256 05 02/01/03 0 10002076 O 01/01/33 0 8305863 N74/G02 F 101,300.00 ZZ 360 101,300.00 1 6.500 640.28 76 6.250 640.28 HUNTSVILLE AR 72740 2 12/16/02 00 0435129697 05 02/01/03 0 0031349010 O 01/01/33 0 8305887 P59/G02 F 161,000.00 ZZ 360 161,000.00 1 6.375 1,004.43 61 6.125 1,004.43 PASO ROBLES CA 93446 5 12/10/02 00 0435128442 05 02/01/03 0 AT005026 O 01/01/33 0 1 8305901 N47/G02 F 281,250.00 ZZ 360 281,250.00 1 6.875 1,847.61 75 6.625 1,847.61 SAN DIEGO CA 92119 2 12/12/02 00 0435176177 05 02/01/03 0 30501011 O 01/01/33 0 8305903 B28/G02 F 150,575.00 ZZ 360 150,575.00 1 6.875 989.18 95 6.625 989.18 WOODLAND PARK CO 80863 1 12/11/02 01 0435130372 05 02/01/03 30 05900335 O 01/01/33 0 8305931 S43/G02 F 500,000.00 ZZ 360 500,000.00 1 6.625 3,201.55 80 6.375 3,201.55 ALBUQUERQUE NM 87122 2 12/04/02 00 0435147426 05 02/01/03 0 022189 O 01/01/33 0 8305955 420/G02 F 254,000.00 ZZ 360 254,000.00 1 6.250 1,563.92 80 6.000 1,563.92 SANTA ROSA CA 95403 2 11/27/02 00 0435134960 05 02/01/03 0 72004396 O 01/01/33 0 8305965 N47/G02 F 271,000.00 ZZ 360 271,000.00 1 6.125 1,646.62 71 5.875 1,646.62 SEASIDE CA 93955 2 12/09/02 00 0435151667 05 02/01/03 0 20501112 N 01/01/33 0 8305981 N47/G02 F 326,000.00 ZZ 360 326,000.00 1 1 6.250 2,007.24 60 6.000 2,007.24 MILPITAS CA 95035 5 12/12/02 00 0435134689 05 02/01/03 0 20500883 O 01/01/33 0 8305989 E11/G02 F 528,750.00 ZZ 360 528,750.00 1 6.625 3,385.64 75 6.375 3,385.64 GREENFIELD MN 55357 5 12/13/02 00 0435142922 05 02/01/03 0 30010507 O 01/01/33 0 8305995 420/G02 F 374,000.00 ZZ 360 373,661.90 1 6.500 2,363.93 66 6.250 2,363.93 SEBASTOPOL CA 95472 2 11/25/02 00 0435129978 05 01/01/03 0 72004336 N 12/01/32 0 8305999 N47/G02 F 180,000.00 ZZ 360 180,000.00 1 6.375 1,122.97 44 6.125 1,122.97 EAST PALO ALTO CA 94303 5 12/09/02 00 0435134788 05 02/01/03 0 20501081 O 01/01/33 0 8306001 N47/G02 F 500,000.00 ZZ 360 500,000.00 1 6.250 3,078.59 72 6.000 3,078.59 MONTEREY CA 93940 5 12/03/02 00 0435176425 05 02/01/03 0 20501054 O 01/01/33 0 8306007 B57/G02 F 112,500.00 ZZ 360 112,500.00 1 6.875 739.05 90 6.625 739.05 LANCASTER CA 93536 1 12/12/02 12 0435156401 07 02/01/03 25 1 65000217 N 01/01/33 0 8306011 N47/G02 F 244,000.00 ZZ 360 244,000.00 1 6.250 1,502.35 80 6.000 1,502.35 SAN DIEGO CA 92117 5 12/13/02 00 0435151527 05 02/01/03 0 30500992 O 01/01/33 0 8306057 X51/G02 F 370,500.00 ZZ 360 370,500.00 1 6.250 2,281.23 65 6.000 2,281.23 (NORTHRIDGE ARE CA 91325 5 12/11/02 00 0435131164 05 02/01/03 0 R2054363 O 01/01/33 0 8306095 M37/G02 F 224,000.00 ZZ 360 224,000.00 1 6.375 1,397.47 80 6.125 1,397.47 FLAGSTAFF AZ 86004 1 12/02/02 00 0435140389 03 02/01/03 0 610078 O 01/01/33 0 8306143 N47/G02 F 262,500.00 ZZ 360 262,500.00 1 6.125 1,594.98 79 5.875 1,594.98 OCEANSIDE CA 92054 5 12/09/02 00 0435177241 05 02/01/03 0 30500759 O 01/01/33 0 8306173 K15/G02 F 216,000.00 ZZ 360 216,000.00 1 6.250 1,329.95 80 6.000 1,329.95 RICHMOND HILL NY 11419 5 12/11/02 00 0435144209 05 02/01/03 0 020605507522 O 01/01/33 0 1 8306185 Q30/G02 F 80,000.00 ZZ 360 79,940.62 1 7.500 559.38 88 7.250 559.38 SCRANTON PA 18505 2 11/26/02 01 0435140843 05 01/01/03 25 21018608 O 12/01/32 0 8306415 Q14/G02 F 121,000.00 ZZ 360 121,000.00 1 6.250 745.02 75 6.000 745.02 WASHINGTON IA 52353 5 12/12/02 00 0435131883 05 02/01/03 0 0000210396 O 01/01/33 0 8306423 G34/G02 F 117,400.00 ZZ 360 117,400.00 1 6.750 761.45 80 6.500 761.45 PAHRUMP NV 89048 2 12/12/02 00 0435132535 05 02/01/03 0 39102428 N 01/01/33 0 8306425 Q14/G02 F 153,900.00 ZZ 360 153,900.00 1 7.625 1,089.29 95 7.375 1,089.29 GRAND RAPIDS MI 49505 5 12/14/02 01 0435132865 05 02/01/03 30 0000210517 O 01/01/33 0 8306431 E44/G02 F 147,600.00 ZZ 360 147,600.00 1 6.375 920.83 74 6.125 920.83 SYRACUSE UT 84075 2 12/17/02 00 0435136817 05 02/01/03 0 58020609 N 01/01/33 0 8306433 E11/G02 F 184,000.00 ZZ 360 184,000.00 2 6.625 1,178.17 80 6.375 1,178.17 1 MINNEAPOLIS MN 55414 1 12/19/02 00 0435136403 05 02/01/03 0 10001052750 N 01/01/33 0 8306495 E11/G02 F 231,200.00 ZZ 360 231,200.00 1 7.250 1,577.19 80 7.000 1,577.19 MINNEAPOLIS MN 55401 1 12/18/02 00 0435133764 01 02/01/03 0 0010001048600 N 01/01/33 0 8306507 940/G02 F 99,000.00 ZZ 360 99,000.00 1 6.500 625.75 34 6.250 625.75 APPLE VALLEY CA 92307 1 12/13/02 00 0435139324 05 02/01/03 0 65020611 O 01/01/33 0 8306825 G34/G02 F 116,700.00 ZZ 360 116,700.00 1 6.750 756.91 79 6.500 756.91 PAHRUMP NV 89048 2 12/12/02 00 0435132857 05 02/01/03 0 39102427 N 01/01/33 0 8306849 M12/G02 F 90,250.00 ZZ 360 90,250.00 1 6.250 555.68 86 6.000 555.68 TUCSON AZ 85746 2 12/16/02 10 0435146063 05 02/01/03 30 R0817 O 01/01/33 0 8306941 G34/G02 F 117,400.00 ZZ 360 117,400.00 1 6.750 761.45 79 6.500 761.45 PAHRUMP NV 89048 2 12/12/02 00 0435132642 05 02/01/03 0 39102429 N 01/01/33 0 1 8306951 F89/G02 F 162,700.00 ZZ 240 162,700.00 1 6.000 1,165.63 71 5.750 1,165.63 FONTANA CA 92336 5 12/12/02 00 0435143912 05 02/01/03 0 25530 O 01/01/23 0 8307435 E82/G02 F 103,000.00 ZZ 360 103,000.00 1 7.250 702.64 80 7.000 702.64 RAGLAND AL 35131 5 12/20/02 00 0400747846 05 02/01/03 0 0400747846 O 01/01/33 0 8307505 E82/G02 F 93,000.00 ZZ 360 93,000.00 1 6.500 587.82 88 6.250 587.82 CHARLOTTE NC 28215 2 12/13/02 04 0400738605 05 02/01/03 25 1955872 O 01/01/33 0 8307527 E82/G02 F 459,200.00 ZZ 360 459,200.00 1 6.875 3,016.62 85 6.625 3,016.62 WEST CHESTER PA 19380 2 12/20/02 10 0400723201 05 02/01/03 12 5149948 O 01/01/33 0 8307549 E82/G02 F 230,000.00 ZZ 360 230,000.00 1 6.375 1,434.90 78 6.125 1,434.90 HACKENSACK NJ 07601 2 12/20/02 00 0400752333 05 02/01/03 0 1787398 O 01/01/33 0 8307569 E82/G02 F 151,500.00 ZZ 360 151,500.00 1 1 6.375 945.16 36 6.125 945.16 SCOTTSDALE AZ 85255 2 12/16/02 00 0400744355 05 02/01/03 0 1927832 O 01/01/33 0 8307633 E82/G02 F 286,600.00 ZZ 360 286,600.00 1 6.625 1,835.13 77 6.375 1,835.13 SHERMAN CT 06784 2 12/16/02 00 0400743837 05 02/01/03 0 5962048 O 01/01/33 0 8307635 E82/G02 F 177,500.00 ZZ 360 177,500.00 1 7.625 1,256.33 95 7.375 1,256.33 ALEXANDRIA VA 22301 5 12/16/02 10 0400728127 01 02/01/03 30 0400728127 O 01/01/33 0 8307639 E82/G02 F 89,200.00 ZZ 360 89,200.00 1 6.000 534.80 49 5.750 534.80 LAS VEGAS NV 89117 2 12/16/02 00 0400746616 03 02/01/03 0 1714933 O 01/01/33 0 8307701 E22/G02 F 120,800.00 ZZ 360 120,800.00 1 6.875 793.57 80 6.625 793.57 PRAIRE VILLAGE KS 66208 5 12/23/02 00 0415565902 05 02/01/03 0 0415565902 N 01/01/33 0 8307703 E22/G02 F 412,000.00 ZZ 360 412,000.00 1 6.500 2,604.12 80 6.250 2,604.12 PASADENA CA 91101 5 12/16/02 00 0415566785 05 02/01/03 0 1 0415566785 O 01/01/33 0 8307709 E22/G02 F 81,000.00 ZZ 360 81,000.00 1 7.000 538.90 90 6.750 538.90 ROSLINDALE MA 02131 1 12/23/02 10 0415570951 01 02/01/03 25 0415570951 N 01/01/33 0 8307731 E22/G02 F 252,000.00 ZZ 360 252,000.00 1 6.750 1,634.47 80 6.500 1,634.47 WEST COVINA CA 91791 1 12/12/02 00 0414919993 05 02/01/03 0 0414919993 O 01/01/33 0 8307775 E22/G02 F 452,000.00 ZZ 360 452,000.00 1 7.250 3,083.44 80 7.000 3,083.44 SEA RANCH LAKES FL 33308 5 12/18/02 00 0415330224 03 02/01/03 0 0415330224 O 01/01/33 0 8307783 E22/G02 F 219,491.00 ZZ 360 219,491.00 1 6.875 1,441.90 90 6.625 1,441.90 MIAMI FL 33193 1 12/23/02 04 0415366293 03 02/01/03 25 0415366293 O 01/01/33 0 8307789 E22/G02 F 156,100.00 ZZ 360 156,100.00 1 6.500 986.66 76 6.250 986.66 MAGNOLIA TX 77354 5 12/11/02 00 0415486299 05 02/01/03 0 0415486299 O 01/01/33 0 1 8307791 E22/G02 F 243,650.00 ZZ 360 243,650.00 3 7.625 1,724.54 75 7.375 1,724.54 MANCHESTER NH 03102 1 12/23/02 00 0415487784 05 02/01/03 0 0415487784 N 01/01/33 0 8307799 E22/G02 F 88,000.00 ZZ 360 88,000.00 1 6.375 549.01 28 6.125 549.01 CAMARILLO CA 93012 5 12/17/02 00 0415492826 07 02/01/03 0 0415492826 O 01/01/33 0 8307803 E22/G02 F 174,000.00 ZZ 360 174,000.00 1 6.250 1,071.35 75 6.000 1,071.35 MIAMI FL 33177 5 12/18/02 00 0415497445 05 02/01/03 0 0415497445 O 01/01/33 0 8307807 E22/G02 F 372,000.00 ZZ 360 372,000.00 1 6.375 2,320.80 80 6.125 2,320.80 WINDSOR CA 95492 5 12/10/02 00 0415498922 05 02/01/03 0 0415498922 O 01/01/33 0 8307819 E22/G02 F 240,000.00 ZZ 360 240,000.00 1 6.375 1,497.29 79 6.125 1,497.29 PORTLAND OR 97266 5 12/16/02 00 0415507078 05 02/01/03 0 0415507078 O 01/01/33 0 8307825 E22/G02 F 81,600.00 ZZ 360 81,600.00 1 7.250 556.66 80 7.000 556.66 1 MIAMI FL 33179 2 12/18/02 00 0415510965 01 02/01/03 0 0415510965 O 01/01/33 0 8307827 E22/G02 F 240,000.00 ZZ 360 240,000.00 1 6.500 1,516.96 77 6.250 1,516.96 SARONA WI 54870 5 12/18/02 00 0415511047 05 02/01/03 0 0415511047 O 01/01/33 0 8307829 E22/G02 F 619,000.00 ZZ 360 619,000.00 1 6.500 3,912.50 80 6.250 3,912.50 WALNUT CREEK CA 94596 2 12/16/02 00 0415589985 03 02/01/03 0 0415589985 O 01/01/33 0 8307851 E22/G02 F 239,000.00 ZZ 360 239,000.00 1 6.375 1,491.05 80 6.125 1,491.05 MONTROSE CO 81401 5 12/07/02 00 0415597194 05 02/01/03 0 0415597194 O 01/01/33 0 8307857 E22/G02 F 50,000.00 ZZ 360 50,000.00 1 6.375 311.93 42 6.125 311.93 SPOKANE WA 99216 5 12/13/02 00 0415601210 05 02/01/03 0 0415601210 O 01/01/33 0 8307865 E22/G02 F 130,000.00 ZZ 360 130,000.00 1 6.625 832.40 62 6.375 832.40 EDISON NJ 08817 2 12/18/02 00 0415610153 05 02/01/03 0 0415610153 O 01/01/33 0 1 8307869 E22/G02 F 225,000.00 ZZ 360 225,000.00 1 6.500 1,422.15 75 6.250 1,422.15 WARRENTON VA 20186 5 12/18/02 00 0415611185 05 02/01/03 0 0415611185 O 01/01/33 0 8307877 E22/G02 F 393,000.00 ZZ 360 393,000.00 1 6.250 2,419.77 75 6.000 2,419.77 BELLEVUE WA 98008 5 12/17/02 00 0415619790 05 02/01/03 0 0415619790 O 01/01/33 0 8307885 E22/G02 F 395,000.00 ZZ 360 395,000.00 1 6.375 2,464.29 76 6.125 2,464.29 LIVERMORE CA 94551 5 12/17/02 00 0415628197 05 02/01/03 0 0415628197 O 01/01/33 0 8307887 E22/G02 F 280,000.00 ZZ 360 280,000.00 1 6.500 1,769.79 79 6.250 1,769.79 MANALAPAN NJ 07726 5 12/17/02 00 0415630664 05 02/01/03 0 0415630664 O 01/01/33 0 8307889 E22/G02 F 123,200.00 ZZ 360 123,200.00 1 6.875 809.34 80 6.625 809.34 PRAIRIE VILLAGE KS 66209 5 12/23/02 00 0415630805 05 02/01/03 0 0415630805 N 01/01/33 0 8307893 E22/G02 F 314,380.00 ZZ 360 314,380.00 1 1 6.500 1,987.10 77 6.250 1,987.10 BRENTWOOD CA 94513 2 12/11/02 00 0415633866 05 02/01/03 0 0415633866 O 01/01/33 0 8307905 E22/G02 F 247,000.00 ZZ 360 247,000.00 1 6.250 1,520.82 80 6.000 1,520.82 POMPANO BEACH FL 33060 2 12/18/02 00 0415645282 05 02/01/03 0 0415645282 O 01/01/33 0 8307907 E22/G02 F 65,250.00 ZZ 360 65,250.00 1 6.625 417.80 75 6.375 417.80 LAKE WORTH FL 33460 5 12/23/02 00 0416549979 05 02/01/03 0 0415649979 N 01/01/33 0 8307909 E22/G02 F 90,900.00 ZZ 360 90,900.00 1 6.500 574.55 90 6.250 574.55 PALM COAST FL 32137 1 12/23/02 10 0415651082 05 02/01/03 25 0415651082 N 01/01/33 0 8307915 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 6.250 615.72 80 6.000 615.72 BOISE ID 83706 5 12/17/02 00 0415655794 07 02/01/03 0 0415655794 O 01/01/33 0 8307927 E22/G02 F 93,600.00 ZZ 360 93,600.00 1 6.750 607.09 90 6.500 607.09 APPLE VALLEY CA 92308 5 12/12/02 04 0415667674 05 02/01/03 25 1 0415667674 O 01/01/33 0 8307931 E22/G02 F 50,500.00 ZZ 360 50,500.00 1 6.875 331.75 58 6.625 331.75 ESSEXVILLE MI 48732 5 12/17/02 00 0415668003 05 02/01/03 0 0415668003 O 01/01/33 0 8307935 E22/G02 F 154,800.00 ZZ 360 154,800.00 1 6.750 1,004.03 90 6.500 1,004.03 SALT LAKE CITY UT 84109 1 12/19/02 10 0415671775 05 02/01/03 25 0415671775 N 01/01/33 0 8307937 E22/G02 F 189,900.00 ZZ 360 189,900.00 1 7.000 1,263.41 100 6.750 1,263.41 THE WOODLANDS TX 77381 1 12/23/02 01 0415672047 03 02/01/03 35 0415672047 O 01/01/33 0 8307941 E22/G02 F 248,000.00 ZZ 360 248,000.00 1 7.750 1,776.70 80 7.500 1,776.70 SYKESVILLE MD 21784 1 12/23/02 00 0415678044 05 02/01/03 0 0415678044 N 01/01/33 0 8307945 E22/G02 F 130,500.00 ZZ 360 130,500.00 1 6.625 835.61 87 6.375 835.61 GARDENDALE AL 35071 5 12/18/02 04 0415680685 05 02/01/03 25 0415680685 O 01/01/33 0 1 8307951 E22/G02 F 118,150.00 ZZ 360 118,150.00 1 6.750 766.32 80 6.500 766.32 PIGEON FORGE TN 37863 2 12/18/02 00 0415684240 05 02/01/03 0 0415684240 O 01/01/33 0 8307955 E22/G02 F 130,000.00 ZZ 360 130,000.00 1 6.375 811.03 90 6.125 811.03 DENVER CO 80216 5 12/17/02 01 0415687524 05 02/01/03 25 0415687524 O 01/01/33 0 8307957 E22/G02 F 280,250.00 ZZ 360 280,250.00 1 6.500 1,771.37 95 6.250 1,771.37 MIRAMAR FL 33027 5 12/17/02 04 0415688977 03 02/01/03 30 0415688977 O 01/01/33 0 8307959 E22/G02 F 234,821.00 ZZ 360 234,821.00 1 6.625 1,503.58 74 6.375 1,503.58 BYERS CO 80103 5 12/18/02 00 0415691849 05 02/01/03 0 0415691849 O 01/01/33 0 8307963 E22/G02 F 395,000.00 ZZ 360 395,000.00 1 6.500 2,496.67 79 6.250 2,496.67 SAN JOSE CA 95148 5 12/17/02 00 0415704915 05 02/01/03 0 0415704915 O 01/01/33 0 8307967 E22/G02 F 206,500.00 ZZ 360 206,500.00 1 6.375 1,288.29 78 6.125 1,288.29 1 ENGLEWOOD CO 80110 5 12/18/02 00 0415705771 05 02/01/03 0 0415705771 O 01/01/33 0 8307969 E22/G02 F 191,000.00 ZZ 360 191,000.00 1 6.500 1,207.25 71 6.250 1,207.25 MAYWOOD NJ 07607 5 12/18/02 00 0415706001 05 02/01/03 0 0415706001 O 01/01/33 0 8307971 E22/G02 F 289,000.00 ZZ 360 289,000.00 1 6.625 1,850.50 85 6.375 1,850.50 DEARBORN HEIGHT MI 48127 2 12/18/02 11 0415706647 05 02/01/03 12 0415706647 O 01/01/33 0 8307973 E22/G02 F 170,000.00 ZZ 360 170,000.00 3 6.750 1,102.62 79 6.500 1,102.62 PROVIDENCE RI 02909 5 12/18/02 00 0415708676 05 02/01/03 0 0415708676 O 01/01/33 0 8307985 E22/G02 F 250,000.00 ZZ 360 250,000.00 1 6.375 1,559.67 84 6.125 1,559.67 EL DORADO CA 95623 5 12/17/02 04 0415560952 05 02/01/03 12 0415513688 O 01/01/33 0 8307995 E22/G02 F 152,000.00 ZZ 360 152,000.00 1 6.875 998.53 80 6.625 998.53 PARKER TX 75002 5 12/18/02 00 0415522275 05 02/01/03 0 0415522275 O 01/01/33 0 1 8308003 E22/G02 F 212,500.00 ZZ 360 212,500.00 1 6.375 1,325.72 85 6.125 1,325.72 SACRAMENTO CA 95834 5 12/17/02 01 0415525443 05 02/01/03 12 0415525443 O 01/01/33 0 8308005 E22/G02 F 160,000.00 ZZ 360 160,000.00 1 6.375 998.19 46 6.125 998.19 DUMONT NJ 07628 5 12/17/02 00 0415526755 05 02/01/03 0 0415526755 O 01/01/33 0 8308023 E22/G02 F 104,000.00 ZZ 360 104,000.00 1 6.125 631.91 49 5.875 631.91 CLEBURNE TX 76031 5 12/18/02 00 0415556307 05 02/01/03 0 0415556307 O 01/01/33 0 8308057 E22/G02 F 155,500.00 ZZ 360 155,500.00 1 6.375 970.12 80 6.125 970.12 FAIRFIELD MT 59436 5 12/18/02 00 0415409390 05 02/01/03 0 0415409390 O 01/01/33 0 8308073 E22/G02 F 448,000.00 ZZ 360 448,000.00 1 6.375 2,794.94 80 6.125 2,794.94 NEWTON MA 02459 5 12/18/02 00 0415421411 05 02/01/03 0 0415421411 O 01/01/33 0 8308077 E22/G02 F 155,000.00 ZZ 360 155,000.00 1 1 6.500 979.71 69 6.250 979.71 EXCELSIOR MN 55331 5 12/17/02 00 0415423458 01 02/01/03 0 0415423458 O 01/01/33 0 8308259 950/G02 F 50,000.00 ZZ 360 50,000.00 1 6.500 316.03 80 6.250 316.03 ROSLYN WA 98941 1 12/14/02 00 0435141619 05 02/01/03 0 E1211033 N 01/01/33 0 8308301 N47/G02 F 354,400.00 ZZ 360 354,400.00 1 6.500 2,240.05 80 6.250 2,240.05 SAN JOSE CA 95111 1 12/17/02 00 0435182134 05 02/01/03 0 20501545 O 01/01/33 0 8308313 N47/G02 F 277,000.00 ZZ 360 277,000.00 1 6.500 1,750.83 66 6.250 1,750.83 SAN JOSE CA 95133 5 12/10/02 00 0435176912 05 02/01/03 0 20501344 O 01/01/33 0 8308353 X91/G02 F 641,400.00 ZZ 360 641,400.00 1 6.125 3,897.21 75 5.875 3,897.21 HONOLULU HI 96825 1 12/16/02 00 0435141114 29 02/01/03 0 800500 O 01/01/33 0 8308383 X91/G02 F 172,500.00 ZZ 360 172,500.00 1 6.125 1,048.13 75 5.875 1,048.13 HONOLULU HI 96815 1 12/11/02 00 0435131891 01 02/01/03 0 1 803205 O 01/01/33 0 8308453 A06/G02 F 128,000.00 ZZ 360 127,892.46 1 6.875 840.87 67 6.625 840.87 ROYAL OAK MI 48073 5 11/27/02 00 0435175187 05 01/01/03 0 1 O 12/01/32 0 8308461 W35/G02 F 40,000.00 ZZ 360 39,965.56 1 6.750 259.44 80 6.500 259.44 PALESTINE IL 62451 5 12/17/02 00 0435120043 05 01/23/03 0 16202 O 12/23/32 0 8308471 A06/G02 F 166,500.00 ZZ 360 166,500.00 1 6.375 1,038.75 90 6.125 1,038.75 GRAND BLANC MI 48439 5 12/13/02 11 0435135926 05 02/01/03 25 021000020229448 O 01/01/33 0 8308503 U05/G02 F 170,400.00 ZZ 360 170,400.00 1 6.375 1,063.07 80 6.125 1,063.07 DALLAS TX 78248 5 12/04/02 00 0435135769 05 02/01/03 0 3286707 O 01/01/33 0 8308509 W35/G02 F 64,000.00 ZZ 360 64,000.00 1 6.875 420.44 79 6.625 420.44 GAS CITY IN 46933 5 12/11/02 00 0435139209 05 02/01/03 0 16286 O 01/01/33 0 1 8308525 U05/G02 F 322,500.00 ZZ 360 322,500.00 1 6.250 1,985.69 75 6.000 1,985.69 CHULA VISTA CA 91913 5 12/05/02 00 0435152814 03 02/01/03 0 3289607 O 01/01/33 0 8308583 U05/G02 F 344,000.00 ZZ 360 343,673.60 1 6.250 2,118.07 74 6.000 2,118.07 SUISUN CITY CA 94585 2 11/25/02 00 0435136080 03 01/01/03 0 3283357 O 12/01/32 0 8308587 A39/G02 F 276,000.00 ZZ 360 276,000.00 1 6.375 1,721.88 80 6.125 1,721.88 SHERMAN OAKS CA 91401 5 12/10/02 00 0435143631 05 02/01/03 0 2202880 O 01/01/33 0 8308603 738/G02 F 300,000.00 ZZ 360 300,000.00 1 6.625 1,920.93 60 6.375 1,920.93 MONTGOMERY AL 36106 5 12/05/02 00 0435129747 05 02/01/03 0 40719216 O 01/01/33 0 8308613 P59/G02 F 213,000.00 ZZ 360 213,000.00 1 6.750 1,381.51 77 6.500 1,381.51 ATASCADERO CA 93422 5 12/13/02 00 0435140041 05 02/01/03 0 ATOOO3291 O 01/01/33 0 8308615 A19/G02 F 337,500.00 ZZ 360 337,500.00 1 6.500 2,133.23 75 6.250 2,133.23 1 NATICK MA 01760 5 12/18/02 00 0435123591 05 02/01/03 0 1 O 01/01/33 0 8308911 M07/G02 F 179,200.00 ZZ 360 179,200.00 1 6.375 1,117.97 80 6.125 1,117.97 LAKE ARROWHEAD CA 92352 1 12/17/02 00 0435143698 05 02/01/03 0 01020904 O 01/01/33 0 8308965 926/926 F 300,700.00 ZZ 360 300,700.00 1 6.250 1,851.47 74 6.000 1,851.47 MT PLEASANT SC 29464 5 12/09/02 00 02110749 05 02/01/03 0 02110749 O 01/01/33 0 8309001 642/G02 F 103,500.00 ZZ 360 103,500.00 1 6.375 645.71 75 6.125 645.71 PHOENIX AZ 86019 5 12/17/02 00 0435141650 05 02/01/03 0 12112602 O 01/01/33 0 8309009 W30/G02 F 170,100.00 ZZ 360 170,100.00 3 7.500 1,189.36 90 7.250 1,189.36 PROVIDENCE RI 02905 1 12/16/02 12 0435147319 05 02/01/03 25 0651200 O 01/01/33 0 8309061 B44/G02 F 159,200.00 ZZ 360 159,200.00 1 6.500 1,006.25 80 6.250 1,006.25 SACRAMENTO CA 95842 1 12/05/02 00 0435144480 05 02/01/03 0 2022301 O 01/01/33 0 1 8309149 F61/G02 F 135,000.00 ZZ 360 135,000.00 1 7.250 920.94 90 7.000 920.94 TACOMA WA 98403 1 12/12/02 04 0435153929 05 02/01/03 25 020340L O 01/01/33 0 8309735 E22/G02 F 233,600.00 ZZ 360 233,600.00 1 6.875 1,534.59 80 6.625 1,534.59 OROVILLE CA 95966 5 12/11/02 00 0415668797 05 02/01/03 0 0415668797 O 01/01/33 0 8309743 E22/G02 F 136,000.00 ZZ 360 136,000.00 1 6.375 848.46 80 6.125 848.46 AUBURN HILLS MI 48326 2 12/19/02 00 0415675115 05 02/01/03 0 0415675115 O 01/01/33 0 8309759 E22/G02 F 115,000.00 ZZ 360 115,000.00 2 6.375 717.45 75 6.125 717.45 FAIRBANKS AK 99701 5 12/17/02 00 0415609676 05 02/01/03 0 0415609676 N 01/01/33 0 8309769 E22/G02 F 495,000.00 ZZ 360 495,000.00 1 6.250 3,047.80 55 6.000 3,047.80 HUNTINGTON BEAC CA 92648 2 12/13/02 00 0415098177 03 02/01/03 0 0415098177 O 01/01/33 0 8309775 E22/G02 F 69,500.00 ZZ 360 69,500.00 1 1 6.750 450.78 70 6.500 450.78 EUGENE OR 97405 1 12/16/02 00 0415132703 05 02/01/03 0 0415132703 O 01/01/33 0 8309781 E22/G02 F 160,000.00 ZZ 360 160,000.00 1 6.375 998.19 80 6.125 998.19 CLAY MI 48001 2 12/19/02 00 0415711928 05 02/01/03 0 0415711928 O 01/01/33 0 8309793 E22/G02 F 228,150.00 ZZ 360 228,150.00 1 6.375 1,423.36 90 6.125 1,423.36 ROCKY POINT NY 11778 1 12/24/02 04 0415749928 05 02/01/03 25 0415749928 O 01/01/33 0 8309795 E22/G02 F 355,060.00 ZZ 360 355,060.00 1 6.375 2,215.11 80 6.125 2,215.11 ANTIOCH CA 94509 1 12/17/02 00 0415676402 05 02/01/03 0 0415676402 O 01/01/33 0 8309801 E22/G02 F 130,550.00 ZZ 360 130,550.00 1 6.500 825.16 95 6.250 825.16 DELAWARE OH 43015 1 12/24/02 04 0415685015 05 02/01/03 30 0415685015 O 01/01/33 0 8309807 E22/G02 F 61,000.00 ZZ 360 61,000.00 1 6.625 390.59 79 6.375 390.59 WALLS MS 38680 5 12/19/02 00 0415690569 05 02/01/03 0 1 0415690569 O 01/01/33 0 8309813 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.625 1,280.62 46 6.375 1,280.62 DELRAY BEACH FL 33445 5 12/19/02 00 0415560952 03 02/01/03 0 0415560952 O 01/01/33 0 8309823 E22/G02 F 204,000.00 ZZ 360 204,000.00 1 6.250 1,256.06 85 6.000 1,256.06 CORAL GABLES FL 33134 2 12/19/02 04 0415583384 05 02/01/03 25 0415583384 O 01/01/33 0 8309833 E22/G02 F 350,000.00 ZZ 360 350,000.00 1 6.500 2,212.24 75 6.250 2,212.24 SAN JOSE CA 95122 5 12/17/02 00 0415542273 05 02/01/03 0 0415542273 O 01/01/33 0 8309841 E22/G02 F 76,000.00 ZZ 360 76,000.00 1 7.250 518.45 95 7.000 518.45 CHARLESTON SC 29414 5 12/19/02 04 0415555796 05 02/01/03 30 0415555796 O 01/01/33 0 8309851 E22/G02 F 162,000.00 ZZ 360 162,000.00 3 7.000 1,077.79 90 6.750 1,077.79 NORTH LAUDERDAL FL 33068 1 12/24/02 04 0415653583 05 02/01/03 25 0415653583 N 01/01/33 0 1 8309855 E22/G02 F 367,200.00 ZZ 360 367,200.00 1 6.500 2,320.95 88 6.250 2,320.95 ROCKLIN CA 95765 2 12/14/02 04 0415655984 05 02/01/03 25 0415655984 O 01/01/33 0 8309859 E22/G02 F 198,000.00 ZZ 360 198,000.00 1 6.375 1,235.26 78 6.125 1,235.26 MARIETTA OK 73448 2 12/19/02 00 0415660901 05 02/01/03 0 0415660901 O 01/01/33 0 8309865 E22/G02 F 198,000.00 ZZ 360 198,000.00 1 6.375 1,235.26 80 6.125 1,235.26 ANTELOPE CA 95843 5 12/13/02 00 0415622232 05 02/01/03 0 0415622232 O 01/01/33 0 8309899 E22/G02 F 135,000.00 ZZ 360 135,000.00 1 6.750 875.61 75 6.500 875.61 OCEAN VIEW NJ 08230 5 12/19/02 00 0415429802 05 02/01/03 0 0415429802 O 01/01/33 0 8309901 E22/G02 F 129,350.00 ZZ 360 129,350.00 1 6.125 785.94 28 5.875 785.94 DEPOE BAY OR 97341 5 12/16/02 00 0415438951 03 02/01/03 0 0415438951 O 01/01/33 0 8309905 E22/G02 F 283,000.00 ZZ 360 283,000.00 1 6.500 1,788.75 89 6.250 1,788.75 1 LA CENTER WA 98629 2 12/02/02 04 0415456169 05 02/01/03 25 0415456169 O 01/01/33 0 8309971 Q31/G02 F 70,000.00 ZZ 360 70,000.00 1 6.500 442.45 59 6.250 442.45 APPLE VALLEY CA 92308 1 12/18/02 00 0435144878 09 02/01/03 0 SD881778 O 01/01/33 0 8310307 975/G02 F 153,000.00 ZZ 360 153,000.00 1 6.375 954.52 66 6.125 954.52 SAN DIEGO CA 92154 5 12/02/02 00 0435149638 05 02/01/03 0 2024876 O 01/01/33 0 8310383 U05/G02 F 79,600.00 ZZ 360 79,600.00 1 6.625 509.69 80 6.375 509.69 LAKEWOOD OH 44107 1 12/09/02 00 0435137716 06 02/01/03 0 3282365 O 01/01/33 0 8310411 975/G02 F 510,000.00 ZZ 360 510,000.00 1 6.625 3,265.59 75 6.375 3,265.59 DIAMOND BAR CA 91765 5 12/02/02 00 0435147285 03 02/01/03 0 2025449 O 01/01/33 0 8310675 U05/G02 F 95,000.00 ZZ 360 95,000.00 1 6.875 624.08 100 6.625 624.08 GARFIELD HEIGHT OH 44125 1 12/10/02 10 0435148168 05 02/01/03 35 3287346 O 01/01/33 0 1 8310791 A06/G02 F 260,000.00 ZZ 360 260,000.00 1 6.375 1,622.07 78 6.125 1,622.07 NOVI MI 48375 2 12/17/02 00 0435136742 05 02/01/03 0 1000020229840 O 01/01/33 0 8310795 U05/G02 F 140,000.00 ZZ 360 140,000.00 1 7.000 931.42 80 6.750 931.42 AUSTIN TX 78750 5 12/05/02 00 0435136627 05 02/01/03 0 3280586 O 01/01/33 0 8310921 G34/G02 F 68,900.00 ZZ 360 68,900.00 1 6.625 441.17 74 6.375 441.17 FORT WORTH TX 76133 5 12/12/02 00 0435156823 05 02/01/03 0 85210167 O 01/01/33 0 8311029 X19/G02 F 352,000.00 ZZ 360 352,000.00 1 6.500 2,224.88 80 6.250 2,224.88 PAWLING NY 12564 1 12/19/02 00 0435126719 05 02/01/03 0 22102902 O 01/01/33 0 8311177 N74/G02 F 79,000.00 ZZ 360 79,000.00 1 6.250 486.42 83 6.000 486.42 THOMASVILLE NC 27360 2 12/19/02 10 0435148705 05 02/01/03 12 0031369010 O 01/01/33 0 8311219 X81/G02 F 100,800.00 ZZ 360 100,800.00 2 1 7.750 722.14 90 7.500 722.14 MINNEAPOLIS MN 55412 1 12/13/02 10 0435194568 05 02/01/03 12 952786 O 01/01/33 0 8311251 W68/G02 F 378,000.00 ZZ 360 378,000.00 1 6.375 2,358.23 69 6.125 2,358.23 MANSFIELD TX 76063 2 12/13/02 00 0435130836 03 02/01/03 0 33465 O 01/01/33 0 8311263 G34/G02 F 363,750.00 ZZ 360 363,750.00 1 6.500 2,299.15 75 6.250 2,299.15 DALY CITY CA 94015 1 12/04/02 00 0435145966 05 02/01/03 0 48201203 N 01/01/33 0 8311287 830/G02 F 99,000.00 ZZ 360 98,914.77 1 6.750 642.11 90 6.500 642.11 JOSEPH UT 84739 1 12/02/02 14 0435145347 05 01/01/03 25 2110139 N 12/01/32 0 8311391 883/G02 F 133,200.00 ZZ 360 133,200.00 1 7.250 908.66 90 7.000 908.66 HELENA AL 35080 5 12/13/02 10 0435144720 05 02/01/03 25 68000220 O 01/01/33 0 8311457 N47/G02 F 130,000.00 ZZ 360 130,000.00 1 6.250 800.43 22 6.000 800.43 BOLINAS CA 94924 5 12/16/02 00 0435144191 05 02/01/03 0 1 90500143 O 01/01/33 0 8311473 X60/G02 F 281,250.00 ZZ 360 281,250.00 1 6.500 1,777.69 75 6.250 1,777.69 SEATTLE WA 98115 5 12/19/02 00 0435127295 05 02/01/03 0 10211179 N 01/01/33 0 8311483 F64/G02 F 190,320.00 ZZ 360 190,320.00 1 6.250 1,171.83 80 6.000 1,171.83 RICHMOND VA 23236 1 12/16/02 00 0435168604 05 02/01/03 0 942138-01 O 01/01/33 0 8311531 944/G02 F 287,000.00 ZZ 360 287,000.00 1 6.750 1,861.48 75 6.500 1,861.48 MISSION VIEJO CA 92692 5 12/11/02 00 0435165782 05 02/01/03 0 W01631314 O 01/01/33 0 8311539 Q87/G02 F 79,700.00 ZZ 360 79,700.00 1 6.375 497.22 94 6.125 497.22 EIGHT MILE AL 36613 2 12/23/02 04 0435146220 05 02/01/03 30 BRRA02 O 01/01/33 0 8311569 M96/G02 F 500,000.00 ZZ 360 500,000.00 1 6.375 3,119.35 67 6.125 3,119.35 ADA MI 49301 5 12/19/02 00 0435165923 05 02/01/03 0 02744 O 01/01/33 0 1 8311571 X31/G02 F 204,000.00 ZZ 360 204,000.00 1 6.250 1,256.06 80 6.000 1,256.06 SAN DIEGO CA 92139 5 12/03/02 00 0435145743 03 02/01/03 0 40105264 O 01/01/33 0 8311615 Q14/G02 F 144,000.00 ZZ 360 144,000.00 1 6.500 910.18 90 6.250 910.18 APACHE JUNCTION AZ 85220 1 12/20/02 01 0435138847 03 02/01/03 25 00000210804 O 01/01/33 0 8311861 X31/G02 F 213,600.00 ZZ 360 213,600.00 1 6.625 1,367.70 80 6.375 1,367.70 HACIENDA HEIGHT CA 91745 1 12/09/02 00 0435141452 05 02/01/03 0 40105170 N 01/01/33 0 8311875 E76/G02 F 168,150.00 ZZ 360 167,990.45 1 6.250 1,035.33 95 6.000 1,035.33 PUNTA GORDA FL 33983 1 11/27/02 04 0435134663 05 01/01/03 30 10018935 O 12/01/32 0 8311891 X27/G02 F 249,600.00 ZZ 360 249,368.82 1 6.375 1,557.18 80 6.125 1,557.18 LOS ANGELES CA 91405 5 11/14/02 00 0435157078 05 01/01/03 0 45000011 O 12/01/32 0 8312731 E22/G02 F 255,000.00 ZZ 360 255,000.00 1 6.250 1,570.08 78 6.000 1,570.08 1 ROCKY POINT NY 11778 5 12/20/02 00 0414945949 05 02/01/03 0 0414945949 O 01/01/33 0 8312737 E22/G02 F 199,500.00 ZZ 360 199,500.00 1 6.375 1,244.62 95 6.125 1,244.62 MIAMI FL 33155 5 12/20/02 11 0415090828 05 02/01/03 30 0415090828 O 01/01/33 0 8312747 E22/G02 F 143,000.00 ZZ 360 143,000.00 1 6.375 892.13 89 6.125 892.13 SARASOTA FL 34231 2 12/20/02 01 0415174705 05 02/01/03 30 0415174705 O 01/01/33 0 8312753 E22/G02 F 424,000.00 ZZ 360 424,000.00 1 6.750 2,750.06 80 6.500 2,750.06 PARAMUS NJ 07652 5 12/20/02 00 0415203330 05 02/01/03 0 0415203330 O 01/01/33 0 8312773 E22/G02 F 113,400.00 ZZ 360 113,400.00 1 6.000 679.89 90 5.750 679.89 FORT WORTH TX 76109 2 12/20/02 01 0415300383 05 02/01/03 25 0415300383 O 01/01/33 0 8312779 E22/G02 F 365,150.00 ZZ 360 365,150.00 1 6.375 2,278.06 80 6.125 2,278.06 WARWICK RI 02889 5 12/20/02 00 0415308451 05 02/01/03 0 0415308451 O 01/01/33 0 1 8312791 E22/G02 F 423,200.00 ZZ 360 423,200.00 1 6.375 2,640.22 80 6.125 2,640.22 BEND OR 97701 2 12/18/02 00 0415362151 03 02/01/03 0 0415362151 O 01/01/33 0 8312797 E22/G02 F 142,800.00 ZZ 360 142,800.00 1 6.750 926.20 80 6.500 926.20 VANCOUVER WA 98682 5 12/19/02 00 0415379189 05 02/01/03 0 0415379189 O 01/01/33 0 8312799 E22/G02 F 164,000.00 ZZ 360 164,000.00 1 6.875 1,077.36 77 6.625 1,077.36 CLINTON MD 20735 5 12/20/02 00 0415383876 05 02/01/03 0 0415383876 O 01/01/33 0 8312805 E22/G02 F 650,000.00 ZZ 360 650,000.00 1 6.250 4,002.16 62 6.000 4,002.16 BERKELEY CA 94708 2 12/13/02 00 0415412071 05 02/01/03 0 0415412071 O 01/01/33 0 8312809 E22/G02 F 87,300.00 ZZ 360 87,300.00 1 6.625 558.99 90 6.375 558.99 LAKELAND FL 33813 5 12/20/02 04 0415437433 05 02/01/03 25 0415437433 O 01/01/33 0 8312817 E22/G02 F 385,000.00 ZZ 360 385,000.00 1 1 6.250 2,370.51 78 6.000 2,370.51 FOSTER CITY CA 94404 2 12/11/02 00 0415458298 09 02/01/03 0 0415458298 O 01/01/33 0 8312823 E22/G02 F 105,000.00 ZZ 360 105,000.00 1 7.375 725.21 88 7.125 725.21 ORLANDO FL 32829 5 12/19/02 04 0415461771 05 02/01/03 25 0415461771 O 01/01/33 0 8312825 E22/G02 F 270,000.00 ZZ 360 270,000.00 1 6.125 1,640.55 90 5.875 1,640.55 PORT JEFFERSON NY 11776 5 12/20/02 01 0415462902 05 02/01/03 25 0415462902 O 01/01/33 0 8312829 E22/G02 F 134,400.00 ZZ 360 134,400.00 1 7.000 894.17 80 6.750 894.17 MIAMI FL 33189 5 12/17/02 00 0415476480 05 02/01/03 0 0415476480 O 01/01/33 0 8312833 E22/G02 F 213,000.00 ZZ 360 213,000.00 1 6.250 1,311.48 48 6.000 1,311.48 MOBILE AL 36605 2 12/20/02 00 0415477504 05 02/01/03 0 0415477504 O 01/01/33 0 8312845 E22/G02 F 235,000.00 ZZ 360 235,000.00 1 6.125 1,427.88 78 5.875 1,427.88 SIMI VALLEY CA 93065 5 12/19/02 00 0415500909 01 02/01/03 0 1 0415500909 O 01/01/33 0 8312863 E22/G02 F 349,000.00 ZZ 360 349,000.00 1 6.375 2,177.31 73 6.125 2,177.31 ROSEVILLE CA 95661 5 12/13/02 00 0415550185 05 02/01/03 0 0415550185 O 01/01/33 0 8312867 E22/G02 F 412,000.00 ZZ 360 412,000.00 1 6.375 2,570.34 80 6.125 2,570.34 SAN LEANDRO CA 94577 2 12/12/02 00 0415553130 05 02/01/03 0 0415553130 O 01/01/33 0 8312871 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.625 1,280.62 79 6.375 1,280.62 RICHARDSON TX 75082 5 12/20/02 00 0415563824 03 02/01/03 0 0415563824 O 01/01/33 0 8312877 E22/G02 F 88,671.00 ZZ 360 88,671.00 1 6.125 538.77 80 5.875 538.77 MONTGOMERY AL 36117 2 12/20/02 00 0415575026 05 02/01/03 0 0415575026 O 01/01/33 0 8312883 E22/G02 F 225,000.00 ZZ 360 225,000.00 2 6.250 1,385.36 75 6.000 1,385.36 BROOKLYN NY 11210 5 12/19/02 00 0415583533 05 02/01/03 0 0415583533 O 01/01/33 0 1 8312889 E22/G02 F 128,500.00 ZZ 240 128,500.00 1 6.375 948.63 65 6.125 948.63 (AZUSA AREA) CA 91702 2 12/16/02 00 0415592716 05 02/01/03 0 0415592716 O 01/01/23 0 8312895 E22/G02 F 110,000.00 ZZ 360 110,000.00 1 7.875 797.58 93 7.625 797.58 BOYNTON BEACH FL 33437 5 12/20/02 04 0415593425 09 02/01/03 30 0415593425 O 01/01/33 0 8312907 E22/G02 F 77,600.00 ZZ 360 77,600.00 1 6.375 484.12 44 6.125 484.12 PLANO TX 75093 5 12/20/02 00 0415605054 05 02/01/03 0 0415605054 O 01/01/33 0 8312935 E22/G02 F 108,000.00 ZZ 360 108,000.00 1 7.875 783.07 90 7.625 783.07 LAUDERHILL FL 33351 5 12/20/02 01 0415622265 01 02/01/03 25 0415622265 O 01/01/33 0 8312943 E22/G02 F 91,200.00 ZZ 360 91,200.00 1 7.125 614.43 80 6.875 614.43 BRIDGEPORT CT 06606 5 12/18/02 00 0415641323 01 02/01/03 0 0415641323 O 01/01/33 0 8312945 E22/G02 F 232,000.00 ZZ 360 232,000.00 1 6.375 1,447.38 74 6.125 1,447.38 1 VISTA CA 92083 2 12/13/02 00 0415648641 05 02/01/03 0 0415648641 N 01/01/33 0 8312947 E22/G02 F 60,325.00 ZZ 360 60,325.00 1 7.000 401.34 95 6.750 401.34 ROYSE CITY TX 75189 1 12/26/02 04 0415649276 05 02/01/03 35 0415649276 O 01/01/33 0 8312963 E22/G02 F 92,650.00 ZZ 360 92,650.00 1 7.625 655.77 85 7.375 655.77 MOORE OK 73160 5 12/20/02 01 0415658871 05 02/01/03 25 0415658871 O 01/01/33 0 8312971 E22/G02 F 364,800.00 ZZ 360 364,800.00 1 6.500 2,305.78 80 6.250 2,305.78 STOCKTON CA 95219 1 12/13/02 00 0415662832 05 02/01/03 0 0415662832 O 01/01/33 0 8312973 E22/G02 F 380,000.00 ZZ 360 380,000.00 1 6.250 2,339.73 80 6.000 2,339.73 GUNTERSVILLE AL 35976 2 12/20/02 00 0415663103 05 02/01/03 0 0415663103 O 01/01/33 0 8312979 E22/G02 F 151,500.00 ZZ 360 151,500.00 1 6.500 957.58 75 6.250 957.58 SUQUAMISH WA 98392 5 12/20/02 00 0415669670 05 02/01/03 0 0415669670 N 01/01/33 0 1 8312989 E22/G02 F 137,500.00 ZZ 360 137,500.00 1 6.250 846.61 80 6.000 846.61 GONZALES LA 70737 5 12/20/02 00 0415688985 05 02/01/03 0 0415688985 O 01/01/33 0 8312991 E22/G02 F 132,440.00 ZZ 360 132,440.00 1 6.375 826.25 77 6.125 826.25 MARGATE FL 33068 2 12/20/02 00 0415689421 05 02/01/03 0 0415689421 O 01/01/33 0 8312997 E22/G02 F 176,000.00 ZZ 360 176,000.00 1 6.250 1,083.66 100 6.000 1,083.66 RENO NV 89506 1 12/19/02 01 0415699305 03 02/01/03 35 0415699305 O 01/01/33 0 8312999 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.375 1,247.74 78 6.125 1,247.74 RENO NV 89503 5 12/16/02 00 0415702380 05 02/01/03 0 0415702380 O 01/01/33 0 8313005 E22/G02 F 184,000.00 ZZ 360 184,000.00 1 6.500 1,163.01 66 6.250 1,163.01 ATTLEBORO MA 02703 5 12/20/02 00 0415726686 05 02/01/03 0 0415726686 O 01/01/33 0 8313011 E22/G02 F 129,750.00 ZZ 360 129,750.00 1 1 6.500 820.11 75 6.250 820.11 MI WUK VILLAGE CA 95346 5 12/16/02 00 0415735497 05 02/01/03 0 0415735497 N 01/01/33 0 8313023 E22/G02 F 163,900.00 ZZ 360 163,900.00 1 7.250 1,118.09 80 7.000 1,118.09 KEANSBURG NJ 07734 1 12/26/02 00 0415746148 01 02/01/03 0 0415746148 N 01/01/33 0 8313031 E22/G02 F 509,250.00 ZZ 360 509,250.00 1 6.500 3,218.81 75 6.250 3,218.81 WEST HOLLYWOOD CA 90069 1 12/17/02 00 0415758507 05 02/01/03 0 0415758507 O 01/01/33 0 8313097 K15/G02 F 175,000.00 ZZ 360 175,000.00 3 6.125 1,063.32 57 5.875 1,063.32 BROOKLYN NY 11233 2 12/17/02 00 0435144498 05 02/01/03 0 021205507918 O 01/01/33 0 8313133 950/G02 F 135,000.00 ZZ 360 135,000.00 1 6.750 875.61 53 6.500 875.61 REDDING CA 96002 5 11/26/02 00 0435164918 05 02/01/03 0 A5209040 O 01/01/33 0 8313177 U85/G02 F 28,800.00 ZZ 360 28,779.67 1 7.750 206.33 90 7.500 206.33 MILWAUKEE WI 53218 1 12/02/02 10 0435188750 01 01/01/03 25 1 VALENTINE N 12/01/32 0 8313179 U05/G02 F 101,000.00 ZZ 360 101,000.00 1 6.375 630.11 68 6.125 630.11 ALAMO HEIGHTS TX 78209 2 12/09/02 00 0435142278 05 02/01/03 0 3280566 O 01/01/33 0 8313191 U05/G02 F 100,000.00 ZZ 360 100,000.00 1 6.625 640.31 80 6.375 640.31 GARLAND TX 75043 5 12/10/02 00 0435142716 03 02/01/03 0 3288292 O 01/01/33 0 8313213 758/G02 F 85,500.00 ZZ 360 85,500.00 1 7.500 597.83 90 7.250 597.83 COLLEGE STATION TX 77840 1 12/10/02 14 0435147590 03 02/01/03 25 1 N 01/01/33 0 8313215 U05/G02 F 472,000.00 ZZ 360 472,000.00 1 6.375 2,944.67 80 6.125 2,944.67 HOUSTON TX 77069 5 12/04/02 00 0435142781 03 02/01/03 0 3287153 O 01/01/33 0 8313219 L20/G02 F 294,500.00 ZZ 360 294,500.00 1 6.500 1,861.44 95 6.250 1,861.44 LAYTON UT 84040 1 12/23/02 14 0435169875 05 02/01/03 30 1061030075 O 01/01/33 0 1 8313221 U05/G02 F 88,000.00 ZZ 360 88,000.00 1 6.250 541.83 60 6.000 541.83 MARBLE FALLS TX 78654 5 12/10/02 00 0435144977 05 02/01/03 0 3287903 O 01/01/33 0 8313233 F89/G02 F 103,200.00 ZZ 360 103,200.00 1 6.750 669.35 80 6.500 669.35 LOS ANGELES CA 90032 1 12/11/02 00 0435155064 05 02/01/03 0 17224991 N 01/01/33 0 8313235 U05/G02 F 168,800.00 ZZ 360 168,800.00 1 6.875 1,108.90 80 6.625 1,108.90 GEORGETOWN TX 78628 5 12/09/02 00 0435142336 03 02/01/03 0 3288127 O 01/01/33 0 8313237 W40/G02 F 260,000.00 ZZ 360 260,000.00 1 6.625 1,664.81 80 6.375 1,664.81 MILFORD MI 48381 2 12/20/02 00 0435162680 29 02/01/03 0 102015781 O 01/01/33 0 8313241 K15/G02 F 116,400.00 ZZ 360 116,400.00 1 7.625 823.87 85 7.375 823.87 LINCOLN PARK MI 48146 5 12/16/02 41 0435149844 05 02/01/03 12 0350507134 O 01/01/33 0 8313251 U05/G02 F 130,400.00 ZZ 360 130,400.00 1 6.875 856.64 80 6.625 856.64 1 EULESS TX 76039 5 12/09/02 00 0435147095 05 02/01/03 0 3282813 O 01/01/33 0 8313255 883/G02 F 103,000.00 ZZ 360 103,000.00 1 7.750 737.90 77 7.500 737.90 ACCIDENT MD 21520 5 12/19/02 00 0435166962 05 02/01/03 0 05019962 O 01/01/33 0 8313475 E84/G02 F 234,000.00 ZZ 360 233,449.07 1 7.250 1,596.29 100 7.000 1,596.29 LITTLETON CO 80130 1 09/20/02 12 0435188255 09 11/01/02 35 1101009302 O 10/01/32 0 8313507 N74/G02 F 108,000.00 ZZ 360 107,907.01 1 6.750 700.49 90 6.500 700.49 VIRGINIA BEACH VA 23462 2 12/20/02 10 0435181508 05 01/26/03 25 0031399010 O 12/26/32 0 8313529 U42/G02 F 82,400.00 ZZ 360 82,400.00 1 6.625 527.62 80 6.375 527.62 FORT WORTH TX 76110 1 12/11/02 00 0435149240 05 02/01/03 0 33201306 O 01/01/33 0 8313547 E77/G02 F 50,400.00 ZZ 360 50,400.00 1 7.125 339.55 88 6.875 339.55 BALTIMORE MD 21218 1 12/18/02 11 0435144019 07 02/01/03 30 1080002745 O 01/01/33 0 1 8313549 N74/G02 F 205,000.00 ZZ 360 204,814.68 1 6.500 1,295.74 65 6.250 1,295.74 MOCKSVILLE NC 27028 2 12/20/02 00 0435181573 05 01/26/03 0 0031375010 O 12/26/32 0 8313563 940/G02 F 268,100.00 ZZ 360 268,100.00 1 6.250 1,650.74 72 6.000 1,650.74 RANCHO CUCAMONG CA 91701 2 12/13/02 00 0435168943 05 02/01/03 0 20020196 O 01/01/33 0 8313629 W39/G02 F 73,800.00 ZZ 360 73,800.00 2 7.625 522.35 87 7.375 522.35 NEW ORLEANS LA 70119 1 12/27/02 01 0435143854 05 02/01/03 25 LA025151 N 01/01/33 0 8313737 U28/G02 F 162,900.00 ZZ 360 162,900.00 1 7.500 1,139.02 88 7.250 1,139.02 ACWORTH GA 30102 2 12/20/02 14 0435155734 05 02/01/03 25 KNAUSSRA3 N 01/01/33 0 8313933 950/G02 F 200,000.00 ZZ 360 200,000.00 1 6.375 1,247.74 72 6.125 1,247.74 GLENDALE AZ 85308 5 12/13/02 00 0435155148 03 02/01/03 0 EH211001 O 01/01/33 0 8313943 U05/G02 F 89,600.00 ZZ 360 89,600.00 1 1 6.500 566.33 80 6.250 566.33 LAKE OSWEGO OR 97035 2 12/02/02 00 0435155619 01 02/01/03 0 3284352 O 01/01/33 0 8313951 L76/G02 F 158,000.00 ZZ 360 158,000.00 1 6.625 1,011.69 85 6.375 1,011.69 EAGAN MN 55122 5 12/23/02 11 0435143789 05 02/01/03 12 9507359 O 01/01/33 0 8313961 B57/G02 F 79,100.00 ZZ 360 79,100.00 1 8.000 580.41 90 7.750 580.41 PHOENIX AZ 85033 1 12/11/02 14 0435158464 05 02/01/03 25 20001118 N 01/01/33 0 8313969 L76/G02 F 138,000.00 ZZ 360 138,000.00 1 5.875 816.32 80 5.625 816.32 HUGO MN 55038 2 12/23/02 00 0435164280 07 02/01/03 0 9507377 O 01/01/33 0 8314027 S11/G02 F 250,000.00 ZZ 360 250,000.00 1 6.375 1,559.67 67 6.125 1,559.67 WINDSOR CA 95492 2 12/16/02 00 0435164355 05 02/01/03 0 10210214 O 01/01/33 0 8314029 455/G02 F 76,600.00 ZZ 360 76,600.00 1 7.000 509.63 90 6.750 509.63 LAWRENCEVILLE GA 30043 1 12/23/02 01 0435156229 05 02/01/03 25 1 22002087 N 01/01/33 0 8314043 H81/G02 F 124,000.00 ZZ 360 124,000.00 1 7.125 835.41 69 6.875 835.41 MILWAUKEE WI 53221 5 12/09/02 00 0435173208 05 02/01/03 0 WH16376 O 01/01/33 0 8314045 T44/G02 F 70,000.00 ZZ 360 70,000.00 1 6.750 454.02 43 6.500 454.02 HAINES CITY FL 33844 5 12/10/02 00 0435155890 05 02/01/03 0 1060429 O 01/01/33 0 8314059 K56/G02 F 140,000.00 ZZ 360 140,000.00 1 6.375 873.42 76 6.125 873.42 REDMOND OR 97756 5 12/23/02 00 0435165360 05 02/01/03 0 1270041 O 01/01/33 0 8314063 P59/G02 F 86,400.00 ZZ 360 86,400.00 1 7.500 604.12 79 7.250 604.12 LANCASTER CA 93535 1 12/16/02 00 0435155072 05 02/01/03 0 AT004880 N 01/01/33 0 8314065 M11/G02 F 149,000.00 ZZ 360 149,000.00 1 6.500 941.78 71 6.250 941.78 HOUSTON TX 77077 5 12/20/02 00 0435172846 05 02/01/03 0 23900013 O 01/01/33 0 1 8314083 N34/G02 F 240,000.00 ZZ 360 240,000.00 1 6.750 1,556.64 80 6.500 1,556.64 MIDLOTHIAN IL 60445 1 12/20/02 00 0435187828 05 02/01/03 0 0656806 O 01/01/33 0 8314131 Q87/G02 F 172,000.00 ZZ 360 171,840.69 1 6.375 1,073.06 58 6.125 1,073.06 COLLEGE STATION TX 77845 5 12/12/02 00 0435188313 05 01/17/03 0 24187 O 12/17/32 0 8314153 H81/G02 F 176,700.00 ZZ 360 176,700.00 1 7.000 1,175.59 76 6.750 1,175.59 NECEDAH WI 54646 5 12/06/02 00 0435167622 05 02/01/03 0 17316 O 01/01/33 0 8314159 313/G02 F 108,000.00 ZZ 360 108,000.00 1 7.125 727.62 80 6.875 727.62 PHOENIX AZ 85016 1 12/19/02 00 0435146105 05 02/01/03 0 0009054396 N 01/01/33 0 8314175 T29/G02 F 100,000.00 T 360 100,000.00 1 6.375 623.87 44 6.125 623.87 PRESCOTT AZ 86303 1 12/06/02 00 0435154034 05 02/01/03 0 1528650 O 01/01/33 0 8314353 E82/G02 F 174,500.00 ZZ 360 174,500.00 1 7.250 1,190.40 80 7.000 1,190.40 1 NEW MARKET MN 55054 2 12/26/02 00 0400753257 05 02/01/03 0 4110197 O 01/01/33 0 8314359 E82/G02 F 67,500.00 ZZ 360 67,500.00 1 6.375 421.11 68 6.125 421.11 SANDPOINT ID 83864 2 12/26/02 00 0400744405 05 02/01/03 0 3228905 O 01/01/33 0 8314389 E82/G02 F 104,000.00 ZZ 360 104,000.00 1 6.500 657.35 69 6.250 657.35 NORTHVILLE MI 48167 2 12/23/02 00 0400741492 01 02/01/03 0 10421294 O 01/01/33 0 8314395 E82/G02 F 384,000.00 ZZ 360 384,000.00 1 6.500 2,427.14 64 6.250 2,427.14 INDIANAPOLIS IN 46234 2 12/26/02 00 0400752614 05 02/01/03 0 4975425 O 01/01/33 0 8314411 E82/G02 F 271,300.00 ZZ 360 271,300.00 1 6.500 1,714.80 59 6.250 1,714.80 SAN DIEGO CA 92101 2 12/20/02 00 0400752226 06 02/01/03 0 1771872 O 01/01/33 0 8314413 E82/G02 F 176,000.00 ZZ 360 176,000.00 1 6.625 1,126.95 80 6.375 1,126.95 DEERFIELD BEACH FL 33442 5 12/23/02 00 0400750691 09 02/01/03 0 0400750691 O 01/01/33 0 1 8314415 E82/G02 F 90,000.00 ZZ 360 90,000.00 1 6.750 583.74 79 6.500 583.74 TUSCALOOSA AL 35401 2 12/26/02 00 0400741187 03 02/01/03 0 0400741187 O 01/01/33 0 8314439 E82/G02 F 185,100.00 ZZ 360 185,100.00 1 6.375 1,154.78 58 6.125 1,154.78 PARSIPPANY NJ 07054 2 12/26/02 00 0400745006 03 02/01/03 0 6264644 O 01/01/33 0 8314501 E82/G02 F 194,000.00 ZZ 360 194,000.00 1 6.500 1,226.21 75 6.250 1,226.21 LAS VEGAS NV 89107 5 12/26/02 00 0400745691 05 02/01/03 0 0400745691 O 01/01/33 0 8314521 E82/G02 F 81,200.00 ZZ 360 81,200.00 1 7.000 540.23 73 6.750 540.23 SPRING HILL FL 34609 2 12/26/02 00 0400734042 05 02/01/03 0 0400734042 O 01/01/33 0 8314555 E82/G02 F 103,500.00 ZZ 360 103,500.00 1 6.375 645.71 90 6.125 645.71 SACRAMENTO CA 95823 2 12/21/02 10 0400727319 05 02/01/03 25 0400727319 O 01/01/33 0 8314561 E82/G02 F 203,800.00 ZZ 360 203,800.00 1 1 6.375 1,271.45 80 6.125 1,271.45 BIDDEFORD ME 04005 2 12/23/02 00 0400746681 05 02/01/03 0 7703677 O 01/01/33 0 8314573 E82/G02 F 108,800.00 ZZ 360 108,800.00 1 6.375 678.77 58 6.125 678.77 MORENO VALLEY CA 92557 2 12/18/02 00 0400744645 05 02/01/03 0 1901907 N 01/01/33 0 8314611 E82/G02 F 114,000.00 ZZ 360 114,000.00 1 6.375 711.21 44 6.125 711.21 CARMICHAEL CA 95608 5 12/19/02 00 0400746632 05 02/01/03 0 0400746632 O 01/01/33 0 8314625 E82/G02 F 86,700.00 ZZ 360 86,700.00 1 6.500 548.00 46 6.250 548.00 BOZEMAN MT 59715 2 12/23/02 00 0400738035 05 02/01/03 0 1766265 O 01/01/33 0 8314629 E82/G02 F 77,050.00 ZZ 360 77,050.00 1 6.500 487.01 66 6.250 487.01 DAYTONA BEACH FL 32119 2 12/23/02 00 0400741542 05 02/01/03 0 0400741542 O 01/01/33 0 8314643 E22/G02 F 99,000.00 ZZ 360 99,000.00 1 7.875 717.82 90 7.625 717.82 WEST PALM BEACH FL 33407 1 12/27/02 04 0415038439 05 02/01/03 25 1 0415038439 N 01/01/33 0 8314647 E22/G02 F 147,998.00 ZZ 360 147,998.00 1 6.375 923.31 90 6.125 923.31 DAYTON NV 89403 1 12/20/02 04 0415117423 05 02/01/03 25 0415117423 O 01/01/33 0 8314651 E22/G02 F 425,000.00 ZZ 360 425,000.00 1 6.500 2,686.29 78 6.250 2,686.29 SAN JOSE CA 95118 5 12/16/02 00 0415188168 05 02/01/03 0 0415188168 O 01/01/33 0 8314655 E22/G02 F 40,500.00 ZZ 360 40,500.00 2 7.625 286.66 90 7.375 286.66 KALAMAZOO MI 49001 1 12/27/02 11 0415238633 05 02/01/03 25 0415238633 N 01/01/33 0 8314671 E22/G02 F 162,500.00 ZZ 360 162,500.00 1 6.750 1,053.97 73 6.500 1,053.97 SPOKANE WA 99203 2 12/12/02 00 0415350818 05 02/01/03 0 0415350818 O 01/01/33 0 8314679 E22/G02 F 59,100.00 ZZ 360 59,100.00 1 6.625 378.42 75 6.375 378.42 ALBANY OR 97321 1 12/13/02 00 0415367358 05 02/01/03 0 0415367358 N 01/01/33 0 1 8314705 E22/G02 F 101,280.00 ZZ 360 101,280.00 1 6.250 623.60 80 6.000 623.60 ASHEVILLE NC 28806 5 12/20/02 00 0415501980 05 02/01/03 0 0415501980 O 01/01/33 0 8314715 E22/G02 F 297,000.00 ZZ 360 297,000.00 4 7.750 2,127.74 90 7.500 2,127.74 EVERGREEN IL 60805 1 12/27/02 01 0415523240 05 02/01/03 25 0415523240 N 01/01/33 0 8314735 E22/G02 F 685,500.00 ZZ 360 685,500.00 1 6.125 4,165.17 75 5.875 4,165.17 PALOS VERDES ES CA 90274 1 12/18/02 00 0415592484 05 02/01/03 0 0415592484 O 01/01/33 0 8314751 E22/G02 F 380,000.00 ZZ 360 380,000.00 1 6.250 2,339.73 80 6.000 2,339.73 SIMI VALLEY CA 93063 5 12/19/02 00 0415620061 05 02/01/03 0 0415620061 O 01/01/33 0 8314757 E22/G02 F 165,750.00 ZZ 360 165,750.00 1 6.750 1,075.05 85 6.500 1,075.05 WEST ORANGE NJ 07052 5 12/20/02 01 0415635721 05 02/01/03 12 0415635721 O 01/01/33 0 8314763 E22/G02 F 216,100.00 ZZ 360 216,100.00 1 6.625 1,383.71 70 6.375 1,383.71 1 BELLEVUE WA 98004 2 12/23/02 00 0415653658 05 02/01/03 0 0415653658 N 01/01/33 0 8314767 E22/G02 F 215,350.00 ZZ 360 215,350.00 1 6.625 1,378.91 70 6.375 1,378.91 BELLEVUE WA 98004 2 12/23/02 00 0415665496 05 02/01/03 0 0415665496 N 01/01/33 0 8314771 E22/G02 F 192,000.00 ZZ 360 192,000.00 1 6.125 1,166.61 80 5.875 1,166.61 SACRAMENTO CA 95826 5 12/17/02 00 0415668318 05 02/01/03 0 0415668318 O 01/01/33 0 8314775 E22/G02 F 544,000.00 ZZ 360 544,000.00 1 6.500 3,438.45 80 6.250 3,438.45 SACRAMENTO CA 95864 5 12/19/02 00 0415674589 05 02/01/03 0 0415674589 O 01/01/33 0 8314777 E22/G02 F 173,600.00 ZZ 360 173,600.00 1 7.625 1,228.73 80 7.375 1,228.73 CHICAGO IL 60634 1 12/27/02 00 0415674944 05 02/01/03 0 0415674944 N 01/01/33 0 8314785 E22/G02 F 171,000.00 ZZ 360 171,000.00 1 6.375 1,066.82 90 6.125 1,066.82 PEMBROKE PINES FL 33027 1 12/27/02 04 0415689991 03 02/01/03 30 0415689991 O 01/01/33 0 1 8314791 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 6.250 615.72 67 6.000 615.72 DEMOTTE IN 46310 1 12/27/02 00 0415694595 05 02/01/03 0 0415694595 O 01/01/33 0 8314793 E22/G02 F 75,750.00 ZZ 360 75,750.00 1 7.625 536.15 75 7.375 536.15 ARGYLE TX 76226 5 12/24/02 00 0415695501 05 02/01/03 0 0415695501 N 01/01/33 0 8314797 E22/G02 F 547,500.00 ZZ 360 547,500.00 1 6.750 3,551.07 75 6.500 3,551.07 ALAMEDA CA 94501 5 12/20/02 00 0415704956 05 02/01/03 0 0415704956 O 01/01/33 0 8314799 E22/G02 F 193,875.00 ZZ 360 193,875.00 4 7.250 1,322.57 75 7.000 1,322.57 CLARKSTON GA 30021 1 12/27/02 00 0415709435 05 02/01/03 0 0415709435 N 01/01/33 0 8314815 E22/G02 F 99,000.00 ZZ 360 99,000.00 1 6.500 625.75 50 6.250 625.75 SACRAMENTO CA 95831 1 12/18/02 00 0415725464 07 02/01/03 0 0415725464 O 01/01/33 0 8314817 E22/G02 F 440,000.00 ZZ 360 440,000.00 1 1 6.375 2,745.03 80 6.125 2,745.03 BEND OR 97702 2 12/19/02 00 0415736545 05 02/01/03 0 0415736545 O 01/01/33 0 8314823 E22/G02 F 153,200.00 ZZ 360 153,200.00 1 6.000 918.51 80 5.750 918.51 COLUMBUS OH 43219 1 12/27/02 00 0415744937 05 02/01/03 0 0415744937 O 01/01/33 0 8314839 E22/G02 F 128,700.00 ZZ 360 128,700.00 1 7.250 877.96 90 7.000 877.96 SANDWICH IL 60548 1 12/27/02 04 0415786128 05 02/01/03 30 0415786128 O 01/01/33 0 8315571 477/G02 F 180,000.00 ZZ 360 180,000.00 1 6.875 1,182.47 80 6.625 1,182.47 AZUSA CA 91702 5 12/19/02 00 0435175732 01 02/01/03 0 205525 O 01/01/33 0 8315617 K15/G02 F 180,200.00 ZZ 360 180,200.00 1 6.250 1,109.52 71 6.000 1,109.52 HAVERHILL MA 01830 5 12/20/02 00 0435144704 05 02/01/03 0 024505507355 O 01/01/33 0 8315647 944/G02 F 262,500.00 ZZ 360 262,500.00 1 6.375 1,637.66 75 6.125 1,637.66 SANTA CLARITA CA 91355 5 12/04/02 00 0435185269 05 02/01/03 0 1 W02033933 O 01/01/33 0 8315687 K15/G02 F 373,000.00 ZZ 360 373,000.00 1 6.500 2,357.61 75 6.250 2,357.61 MILLER PLACE NY 11764 2 12/18/02 00 0435145511 05 02/01/03 0 020805508006 O 01/01/33 0 8315821 696/G02 F 319,920.00 ZZ 360 319,920.00 1 6.250 1,969.80 80 6.000 1,969.80 LOVETTSVILLE VA 20180 1 12/13/02 00 0435138003 05 02/01/03 0 24002186 O 01/01/33 0 8315949 253/253 F 400,000.00 ZZ 360 400,000.00 1 6.500 2,528.27 64 6.250 2,528.27 PARK CITY UT 84060 1 12/11/02 00 446729 05 02/01/03 0 446729 O 01/01/33 0 8316057 253/253 F 66,600.00 ZZ 360 66,600.00 1 7.625 471.40 90 7.375 471.40 DALLAS TX 75228 1 12/10/02 14 445576 05 02/01/03 25 445576 N 01/01/33 0 8316139 420/G02 F 444,400.00 ZZ 360 444,400.00 1 6.375 2,772.48 80 6.125 2,772.48 NAPA CA 94558 1 12/05/02 00 0435152616 05 02/01/03 0 82000206 O 01/01/33 0 1 8316309 U97/G02 F 236,000.00 ZZ 360 236,000.00 1 6.625 1,511.13 78 6.375 1,511.13 LA HABRA CA 90631 5 12/07/02 00 0435176482 05 02/01/03 0 0652013 O 01/01/33 0 8316335 K15/G02 F 230,000.00 ZZ 360 230,000.00 1 6.500 1,453.76 74 6.250 1,453.76 MODESTO CA 95356 5 12/12/02 00 0435141643 05 02/01/03 0 026605504936 O 01/01/33 0 8316379 E65/G02 F 524,000.00 ZZ 360 524,000.00 1 6.875 3,442.31 57 6.625 3,442.31 HOLLAND MI 49423 5 12/12/02 00 0435187851 03 02/01/03 0 254731 O 01/01/33 0 8316415 N47/G02 F 204,000.00 ZZ 360 204,000.00 1 6.500 1,289.42 76 6.250 1,289.42 SAN DIEGO CA 92154 2 12/17/02 00 0435176227 05 02/01/03 0 30520687 N 01/01/33 0 8316445 940/G02 F 225,000.00 ZZ 360 225,000.00 1 6.875 1,478.09 75 6.625 1,478.09 CHINO CA 91710 5 12/23/02 00 0435165196 05 02/01/03 0 60020358 O 01/01/33 0 8317281 N74/G02 F 93,500.00 ZZ 360 93,417.51 1 6.625 598.69 85 6.375 598.69 1 ROGERS AR 72756 5 12/20/02 10 0435191465 05 01/26/03 12 0031411010 O 12/26/32 0 8318171 E11/G02 F 335,400.00 ZZ 360 335,400.00 1 6.375 2,092.46 73 6.125 2,092.46 MAPLE LAKE MN 55358 5 12/17/02 00 0435138953 05 02/01/03 0 0003001052096 O 01/01/33 0 8318185 588/G02 F 452,000.00 ZZ 360 451,238.35 1 6.875 2,969.32 80 6.625 2,969.32 BOROUGH OF CLOS NJ 07624 1 10/31/02 00 0435165220 05 12/01/02 0 1075861 O 11/01/32 0 8318221 E47/G02 F 192,000.00 ZZ 360 192,000.00 1 6.375 1,197.83 80 6.125 1,197.83 OAKLAND CA 94621 2 12/09/02 00 0435138466 05 02/01/03 0 7359512578 O 01/01/33 0 8318223 K15/G02 F 70,100.00 ZZ 360 70,100.00 1 7.250 478.21 80 7.000 478.21 MINNEAPOLIS MN 55412 5 12/17/02 00 0435147061 05 02/01/03 0 013205507229 O 01/01/33 0 8318225 952/G02 F 81,000.00 ZZ 360 81,000.00 1 6.875 532.11 41 6.625 532.11 VENICE FL 34285 5 12/12/02 00 0435138516 05 02/01/03 0 00620187 O 01/01/33 0 1 8318253 G34/G02 F 93,000.00 ZZ 360 93,000.00 2 7.625 658.25 80 7.375 658.25 SENATOBIA MS 38668 2 12/13/02 00 0435156567 05 02/01/03 0 15712005 N 01/01/33 0 8318259 K15/G02 F 264,000.00 ZZ 360 264,000.00 1 6.125 1,604.09 80 5.875 1,604.09 JAMAICA NY 11434 5 12/10/02 00 0435171236 05 02/01/03 0 020605300057 O 01/01/33 0 8318265 A19/G02 F 245,600.00 ZZ 360 245,600.00 1 6.250 1,512.20 80 6.000 1,512.20 BEVERLY MA 01915 1 12/30/02 00 0435165477 05 02/01/03 0 0212083 O 01/01/33 0 8318269 883/G02 F 172,250.00 ZZ 360 172,250.00 3 6.250 1,060.57 65 6.000 1,060.57 WILMINGTON DE 19806 5 12/20/02 00 0435159603 05 02/01/03 0 05019080 N 01/01/33 0 8318277 A46/G02 F 33,000.00 ZZ 360 33,000.00 1 7.125 222.33 71 6.875 222.33 ALBUQUERQUE NM 87109 1 12/06/02 00 0435142872 01 02/01/03 0 0464088 O 01/01/33 0 8318339 K15/G02 F 55,200.00 ZZ 360 55,200.00 1 1 7.625 390.70 80 7.375 390.70 GRAND RAPIDS MI 49508 5 12/17/02 00 0435146212 05 02/01/03 0 03590550529 N 01/01/33 0 8318355 K15/G02 F 155,400.00 ZZ 360 155,400.00 1 7.500 1,086.58 80 7.250 1,086.58 GOFFSTOWN NH 03045 5 12/18/02 00 0435145974 05 02/01/03 0 033305306518 O 01/01/33 0 8318357 E11/G02 F 162,000.00 ZZ 360 162,000.00 1 6.750 1,050.73 90 6.500 1,050.73 COON RAPIDS MN 55433 5 12/16/02 04 0435172499 05 02/01/03 25 252437 O 01/01/33 0 8318383 S27/G02 F 83,000.00 T 360 83,000.00 1 7.250 566.21 77 7.000 566.21 FORT MYERS FL 33907 2 12/10/02 00 0435172275 05 02/01/03 0 1010024461 O 01/01/33 0 8318395 U97/G02 F 162,000.00 ZZ 360 162,000.00 1 7.250 1,105.13 89 7.000 1,105.13 GLENDALE CA 91205 5 12/07/02 14 0435167077 01 02/01/03 25 0651325 O 01/01/33 0 8318491 W93/G02 F 540,000.00 ZZ 360 539,511.83 1 6.500 3,413.17 80 6.250 3,413.17 GILROY CA 95020 1 11/05/02 00 0435159249 05 01/01/03 0 1 2432830 O 12/01/32 0 8318507 U05/G02 F 88,000.00 ZZ 360 88,000.00 1 6.375 549.01 80 6.125 549.01 PORT ST. LUCIE FL 34952 5 12/09/02 00 0435153739 05 02/01/03 0 3287820 O 01/01/33 0 8318813 696/G02 F 83,200.00 ZZ 360 83,200.00 1 6.500 525.88 80 6.250 525.88 WASHINGTON DC 20037 1 12/27/02 00 0435183140 01 02/01/03 0 23602181 N 01/01/33 0 8318831 L76/G02 F 138,000.00 ZZ 360 138,000.00 1 5.875 816.32 75 5.625 816.32 FARIBAULT MN 55021 2 12/23/02 00 0435132121 05 02/01/03 0 9507385 O 01/01/33 0 8318851 X71/G02 F 296,000.00 ZZ 360 296,000.00 1 6.875 1,944.51 78 6.625 1,944.51 UNION CITY CA 94587 5 12/10/02 00 0435148523 01 02/01/03 0 7573689 O 01/01/33 0 8319499 K15/G02 F 103,500.00 ZZ 360 103,500.00 1 7.250 706.05 90 7.000 706.05 PLYMOUTH TOWNSH OH 44004 2 12/26/02 11 0435167051 05 02/01/03 25 028605505251 O 01/01/33 0 1 8319501 642/G02 F 139,100.00 ZZ 360 139,100.00 1 6.250 856.46 80 6.000 856.46 AURORA CO 80010 5 12/26/02 00 0435156211 05 02/01/03 0 12143902 O 01/01/33 0 8319543 K15/G02 F 154,000.00 ZZ 240 154,000.00 1 6.250 1,125.63 77 6.000 1,125.63 DUSON LA 70529 5 12/26/02 00 0435171483 05 02/01/03 0 000805508380 O 01/01/23 0 8319571 K15/G02 F 97,200.00 ZZ 360 97,200.00 1 7.500 679.64 90 7.250 679.64 CINCINNATI OH 45216 5 12/26/02 41 0435172408 05 02/01/03 25 027805504320 O 01/01/33 0 8319583 K15/G02 F 145,000.00 ZZ 360 145,000.00 1 6.125 881.04 79 5.875 881.04 PRINCETON MN 55371 5 12/19/02 00 0435171491 05 02/01/03 0 013105507910 O 01/01/33 0 8319633 P09/G02 F 150,000.00 ZZ 360 150,000.00 1 6.500 948.10 65 6.250 948.10 CENTREVILLE VA 20120 5 12/20/02 00 0435174370 09 02/01/03 0 SCHALOWJ O 01/01/33 0 8319733 X51/G02 F 343,200.00 ZZ 360 343,200.00 1 6.375 2,141.12 80 6.125 2,141.12 1 REDONDO BEACH CA 90278 5 12/21/02 00 0435151865 05 02/01/03 0 R2054498 O 01/01/33 0 8319931 X64/G02 F 120,000.00 ZZ 360 120,000.00 1 6.375 748.64 76 6.125 748.64 WESTLAND MI 48185 5 12/20/02 00 0435158514 05 02/01/03 0 0000001653 O 01/01/33 0 8319951 X64/G02 F 82,000.00 ZZ 360 82,000.00 1 7.500 573.36 87 7.250 573.36 WARREN MI 48091 5 12/10/02 11 0435158811 05 02/01/03 25 0000003851 O 01/01/33 0 8320201 X08/G02 F 223,100.00 ZZ 360 223,100.00 2 6.750 1,447.02 80 6.500 1,447.02 SALT LAKE CITY UT 84117 2 12/12/02 00 0435138771 05 02/01/03 0 6019263 N 01/01/33 0 8320513 L16/G02 F 46,800.00 ZZ 360 46,800.00 3 7.750 335.28 90 7.500 335.28 CANTON OH 44703 1 12/20/02 04 0435170170 05 02/01/03 25 7908 N 01/01/33 0 8320597 E22/G02 F 596,000.00 ZZ 360 596,000.00 1 6.000 3,573.32 80 5.750 3,573.32 SAM DIMAS CA 91773 1 12/20/02 00 0415625953 03 02/01/03 0 0415625953 O 01/01/33 0 1 8320611 E22/G02 F 325,000.00 ZZ 360 325,000.00 1 6.250 2,001.08 36 6.000 2,001.08 SAN RAMON CA 94583 2 12/12/02 00 0415640242 03 02/01/03 0 0415640242 O 01/01/33 0 8320617 E22/G02 F 310,000.00 ZZ 360 310,000.00 1 6.500 1,959.41 80 6.250 1,959.41 HAYWARD CA 94544 2 12/08/02 00 0415645555 05 02/01/03 0 0415645555 O 01/01/33 0 8320621 E22/G02 F 79,800.00 ZZ 360 79,800.00 1 7.750 571.70 95 7.500 571.70 FORT WAYNE IN 46808 5 12/23/02 01 0415648427 05 02/01/03 30 0415648427 O 01/01/33 0 8320625 E22/G02 F 265,000.00 ZZ 360 265,000.00 1 6.375 1,653.26 76 6.125 1,653.26 VALLEJO CA 94591 2 12/17/02 00 0415658996 03 02/01/03 0 0415658996 O 01/01/33 0 8320633 E22/G02 F 76,000.00 ZZ 360 76,000.00 1 6.625 486.64 78 6.375 486.64 PUEBLO CO 81004 2 12/27/02 00 0415666445 05 02/01/03 0 0415666445 N 01/01/33 0 8320635 E22/G02 F 360,000.00 ZZ 360 360,000.00 1 1 6.375 2,245.93 70 6.125 2,245.93 PENRYN CA 95663 5 12/20/02 00 0415667179 05 02/01/03 0 0415667179 O 01/01/33 0 8320639 E22/G02 F 143,500.00 ZZ 360 143,500.00 1 6.250 883.55 67 6.000 883.55 DUARTE CA 91010 5 12/18/02 00 0415671486 05 02/01/03 0 0415671486 O 01/01/33 0 8320641 E22/G02 F 300,700.00 ZZ 360 300,700.00 1 6.250 1,851.46 78 6.000 1,851.46 RENO NV 89509 5 12/24/02 00 0415671890 03 02/01/03 0 0415671890 O 01/01/33 0 8320667 E22/G02 F 224,000.00 ZZ 360 224,000.00 1 6.750 1,452.86 80 6.500 1,452.86 DOWNEY CA 90242 1 12/12/02 00 0415685866 05 02/01/03 0 0415685866 O 01/01/33 0 8320675 E22/G02 F 284,000.00 ZZ 360 284,000.00 1 6.500 1,795.07 80 6.250 1,795.07 AUSTIN TX 78746 5 12/23/02 00 0415687227 05 02/01/03 0 0415687227 O 01/01/33 0 8320681 E22/G02 F 265,000.00 ZZ 360 265,000.00 1 6.500 1,674.98 76 6.250 1,674.98 WANTAUGH NY 11793 5 12/23/02 00 0415688928 05 02/01/03 0 1 0415688928 O 01/01/33 0 8320697 E22/G02 F 84,550.00 ZZ 360 84,550.00 1 6.875 555.43 95 6.625 555.43 SOUTH BEND IN 46615 5 12/23/02 11 0415697911 05 02/01/03 30 0415697911 O 01/01/33 0 8320699 E22/G02 F 107,700.00 ZZ 360 107,700.00 1 6.500 680.74 72 6.250 680.74 RIVERSIDE CA 92501 2 12/17/02 00 0415702935 05 02/01/03 0 0415702935 O 01/01/33 0 8320703 E22/G02 F 242,900.00 ZZ 360 242,900.00 1 7.500 1,698.39 90 7.250 1,698.39 BRICK NJ 08723 1 12/30/02 04 0415703701 05 02/01/03 30 0415703701 O 01/01/33 0 8320707 E22/G02 F 125,400.00 ZZ 360 125,400.00 1 6.375 782.33 95 6.125 782.33 GREENFIELD IN 46140 5 12/23/02 04 0415705995 05 02/01/03 30 0415705995 O 01/01/33 0 8320749 532/G02 F 91,500.00 ZZ 360 91,500.00 1 6.250 563.38 39 6.000 563.38 LAKE FOREST CA 92630 5 12/13/02 00 0435182183 01 02/01/03 0 PF03067 O 01/01/33 0 1 8320751 E22/G02 F 149,600.00 ZZ 360 149,600.00 1 6.875 982.77 80 6.625 982.77 PUYALLUP WA 98373 5 12/20/02 00 0415706258 05 02/01/03 0 0415706258 O 01/01/33 0 8320757 E22/G02 F 162,000.00 ZZ 360 162,000.00 1 6.625 1,037.30 90 6.375 1,037.30 MIAMI FL 33178 5 12/24/02 01 0415711001 01 02/01/03 25 0415711001 O 01/01/33 0 8320771 E22/G02 F 520,000.00 ZZ 360 520,000.00 1 6.375 3,244.12 80 6.125 3,244.12 MONROVIA CA 91016 5 12/16/02 00 0415712264 05 02/01/03 0 0415712264 O 01/01/33 0 8320775 E22/G02 F 280,000.00 ZZ 360 280,000.00 1 6.250 1,724.01 80 6.000 1,724.01 HYPOLUXO FL 33462 1 12/30/02 00 0415715333 09 02/01/03 0 0415715333 O 01/01/33 0 8320819 Q57/G02 F 66,405.00 ZZ 360 66,405.00 1 6.875 436.23 95 6.625 436.23 PENSACOLA FL 32504 1 12/17/02 10 0435153861 05 02/01/03 30 46900453 O 01/01/33 0 8320823 E22/G02 F 173,500.00 ZZ 360 173,500.00 1 6.375 1,082.41 80 6.125 1,082.41 1 YAKIMA WA 98908 5 12/23/02 00 0415729870 05 02/01/03 0 0415729870 O 01/01/33 0 8320827 E22/G02 F 159,100.00 ZZ 360 159,100.00 1 6.875 1,045.17 90 6.625 1,045.17 AUBURN WA 98002 1 12/23/02 10 0415730175 05 02/01/03 25 0415730175 N 01/01/33 0 8320835 E22/G02 F 400,000.00 ZZ 360 400,000.00 1 6.750 2,594.39 80 6.500 2,594.39 RESCUE CA 95672 1 12/23/02 00 0415782820 05 02/01/03 0 0415782820 O 01/01/33 0 8320867 E22/G02 F 236,390.00 ZZ 360 236,390.00 1 6.375 1,474.77 85 6.125 1,474.77 BIRCH RUN MI 48415 2 12/23/02 04 0415734615 05 02/01/03 12 0415734615 O 01/01/33 0 8320895 E22/G02 F 389,000.00 ZZ 360 389,000.00 1 6.500 2,458.74 78 6.250 2,458.74 LAGUNA NIGUEL CA 92677 5 12/19/02 00 0415739606 05 02/01/03 0 0415739606 O 01/01/33 0 8320901 E22/G02 F 260,200.00 ZZ 360 260,200.00 1 6.125 1,581.00 52 5.875 1,581.00 SHINGLE SPRINGS CA 95682 5 12/23/02 00 0415741057 05 02/01/03 0 0415741057 O 01/01/33 0 1 8320945 E22/G02 F 98,800.00 ZZ 360 98,800.00 1 7.375 682.39 95 7.125 682.39 LAPEER MI 48446 1 12/30/02 01 0415767508 05 02/01/03 35 0415767508 O 01/01/33 0 8320959 E22/G02 F 216,800.00 ZZ 360 216,800.00 1 6.375 1,352.55 80 6.125 1,352.55 TAMPA FL 33612 1 12/30/02 00 0415777192 03 02/01/03 0 0415777192 O 01/01/33 0 8320979 E22/G02 F 34,000.00 ZZ 360 34,000.00 1 6.500 214.90 85 6.250 214.90 BOSQUE NM 87006 5 12/23/02 01 0415081702 05 02/01/03 12 0415081702 O 01/01/33 0 8321025 E22/G02 F 136,000.00 ZZ 360 136,000.00 1 6.625 870.82 74 6.375 870.82 SEATTLE WA 98178 2 12/19/02 00 0415211366 05 02/01/03 0 0415211366 N 01/01/33 0 8321039 E22/G02 F 556,000.00 ZZ 360 556,000.00 1 6.375 3,468.72 80 6.125 3,468.72 GRANITE BAY CA 95746 5 12/19/02 00 0415221159 03 02/01/03 0 0415221159 O 01/01/33 0 8321105 E22/G02 F 284,000.00 ZZ 360 284,000.00 1 1 6.375 1,771.79 80 6.125 1,771.79 CHICAGO IL 60626 5 12/24/02 00 0415355643 05 02/01/03 0 0415355643 O 01/01/33 0 8321135 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.375 1,247.74 67 6.125 1,247.74 LA (TORRENCE AR CA 90501 5 12/17/02 00 0415403948 05 02/01/03 0 0415403948 O 01/01/33 0 8321163 E22/G02 F 244,000.00 ZZ 360 244,000.00 1 6.625 1,562.36 80 6.375 1,562.36 FORT WORTH TX 76137 5 12/20/02 00 0415429356 03 02/01/03 0 0415429356 O 01/01/33 0 8321181 E22/G02 F 72,900.00 ZZ 360 72,900.00 1 6.375 454.80 90 6.125 454.80 ORLANDO FL 32811 5 12/23/02 10 0415459668 01 02/01/03 30 0415459668 O 01/01/33 0 8321205 X82/G02 F 214,000.00 ZZ 360 214,000.00 1 6.875 1,405.83 64 6.625 1,405.83 WOODBRIDGE VA 22193 2 12/18/02 00 0435164504 03 02/01/03 0 844599 O 01/01/33 0 8321217 E22/G02 F 236,000.00 ZZ 360 236,000.00 1 6.375 1,472.33 80 6.125 1,472.33 ANTIOCH CA 94509 5 12/20/02 00 0415514355 05 02/01/03 0 1 0415514355 N 01/01/33 0 8321239 E22/G02 F 273,000.00 ZZ 360 273,000.00 1 6.375 1,703.16 65 6.125 1,703.16 LA (NORTH HOLLY CA 91601 5 12/23/02 00 0415537398 05 02/01/03 0 0415537398 N 01/01/33 0 8321241 E22/G02 F 258,750.00 ZZ 360 258,750.00 1 6.625 1,656.80 80 6.375 1,656.80 ROCKFORD MI 49341 5 12/23/02 00 0415539360 05 02/01/03 0 0415539360 O 01/01/33 0 8321245 E22/G02 F 191,900.00 ZZ 360 191,900.00 1 6.500 1,212.94 80 6.250 1,212.94 MIAMI FL 33185 1 12/17/02 00 0415547520 05 02/01/03 0 0415547520 O 01/01/33 0 8321265 E22/G02 F 156,000.00 ZZ 360 156,000.00 1 6.625 998.89 76 6.375 998.89 CHESTERFIELD TW MI 48047 2 12/23/02 00 0415566868 05 02/01/03 0 0415566868 O 01/01/33 0 8321273 E22/G02 F 122,400.00 ZZ 360 122,400.00 1 6.250 753.64 73 6.000 753.64 PROVO UT 84604 1 12/19/02 00 0415573443 01 02/01/03 0 0415573443 N 01/01/33 0 1 8321277 E22/G02 F 105,000.00 ZZ 360 105,000.00 1 6.250 646.50 70 6.000 646.50 PROVO UT 84604 1 12/19/02 00 0415574185 01 02/01/03 0 0415574185 N 01/01/33 0 8321295 253/253 F 75,000.00 ZZ 360 75,000.00 1 7.500 524.42 75 7.250 524.42 FORT WORTH TX 76107 5 12/12/02 00 445819 05 02/01/03 0 445819 N 01/01/33 0 8321299 E22/G02 F 300,700.00 ZZ 360 300,700.00 1 6.750 1,950.33 79 6.500 1,950.33 VENTURA CA 93004 5 12/19/02 00 0415595370 05 02/01/03 0 0415595370 O 01/01/33 0 8321315 E22/G02 F 230,400.00 ZZ 360 230,400.00 1 6.375 1,437.40 80 6.125 1,437.40 ARLINGTON VA 22206 1 12/30/02 00 0415608686 01 02/01/03 0 0415608686 O 01/01/33 0 8321321 E22/G02 F 140,669.00 T 360 140,669.00 1 6.500 889.12 90 6.250 889.12 LITHIA FL 33547 1 12/30/02 01 0415616697 03 02/01/03 30 0415616697 O 01/01/33 0 8321329 E22/G02 F 223,125.00 ZZ 360 223,125.00 3 6.875 1,465.77 75 6.625 1,465.77 1 MANCHESTER NH 03104 1 12/27/02 00 0415623560 05 02/01/03 0 0415623560 N 01/01/33 0 8321331 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.375 1,247.74 69 6.125 1,247.74 MARBLE FALLS TX 78654 5 12/23/02 00 0415624824 05 02/01/03 0 0415624824 O 01/01/33 0 8321337 K15/G02 F 216,000.00 ZZ 360 216,000.00 1 7.625 1,528.83 94 7.375 1,528.83 BRENTWOOD NY 11717 2 12/26/02 41 0435166707 05 02/01/03 30 011205508568 O 01/01/33 0 8321411 253/253 F 382,000.00 ZZ 360 382,000.00 1 6.375 2,383.18 69 6.125 2,383.18 LOVELAND CO 80538 5 12/17/02 00 449483 05 02/01/03 0 449483 O 01/01/33 0 8321457 E82/G02 F 178,000.00 ZZ 360 178,000.00 1 6.375 1,110.49 52 6.125 1,110.49 HAWTHORN WOODS IL 60047 2 12/18/02 00 0400748182 03 02/01/03 0 1630757 O 01/01/33 0 8321471 E82/G02 F 94,800.00 ZZ 360 94,800.00 1 6.375 591.43 80 6.125 591.43 CORVALLIS OR 97333 2 12/17/02 00 0400739819 05 02/01/03 0 1607280 O 01/01/33 0 1 8321501 E82/G02 F 75,000.00 ZZ 360 75,000.00 1 6.750 486.45 35 6.500 486.45 WYOMING MI 49418 2 12/17/02 00 0400748224 05 02/01/03 0 4202157 O 01/01/33 0 8321509 E82/G02 F 220,000.00 ZZ 360 220,000.00 1 6.500 1,390.55 58 6.250 1,390.55 NORTH HAVEN CT 06473 2 12/18/02 00 0400743118 05 02/01/03 0 0400743118 O 01/01/33 0 8321513 E82/G02 F 103,900.00 ZZ 360 103,900.00 1 6.375 648.20 62 6.125 648.20 LADY LAKE FL 32159 2 12/18/02 00 0400746343 05 02/01/03 0 2912853 O 01/01/33 0 8321517 E82/G02 F 101,000.00 ZZ 360 101,000.00 1 6.500 638.39 74 6.250 638.39 BRADENTON FL 34202 2 12/17/02 00 0400740338 05 02/01/03 0 1740553 O 01/01/33 0 8321551 X08/G02 F 134,100.00 ZZ 360 134,100.00 2 7.500 937.65 90 7.250 937.65 LOGAN UT 84321 1 12/12/02 04 0435141262 05 02/01/03 25 6019741 N 01/01/33 0 8321557 944/G02 F 360,000.00 ZZ 360 360,000.00 1 1 6.375 2,245.94 74 6.125 2,245.94 SAN JOSE CA 95123 5 12/10/02 00 0435164322 05 02/01/03 0 W02034155 O 01/01/33 0 8321569 Q73/G02 F 70,650.00 ZZ 360 70,650.00 1 6.375 440.76 90 6.125 440.76 GULFPORT MS 39507 5 12/26/02 12 0435153952 05 02/01/03 25 3003059 O 01/01/33 0 8321613 825/G02 F 180,000.00 T 360 180,000.00 1 6.875 1,182.47 66 6.625 1,182.47 BRECKENRIDGE CO 80424 1 12/20/02 00 0435180765 01 02/01/03 0 RABE26702 O 01/01/33 0 8321619 U97/G02 F 161,500.00 ZZ 360 161,500.00 1 6.250 994.38 28 6.000 994.38 YORBA LINDA CA 92886 5 12/17/02 00 0435177803 05 02/01/03 0 0653660 O 01/01/33 0 8321639 E82/G02 F 101,700.00 ZZ 360 101,700.00 1 6.125 617.94 63 5.875 617.94 BASTROP TX 78602 2 12/27/02 00 0400743381 05 02/01/03 0 1553971 O 01/01/33 0 8321653 H81/G02 F 103,920.00 ZZ 360 103,920.00 1 7.250 708.92 80 7.000 708.92 MILWAUKEE WI 53222 1 12/18/02 00 0435153960 05 02/01/03 0 1 WH17399 O 01/01/33 0 8321665 K15/G02 F 156,700.00 ZZ 360 156,700.00 1 6.375 977.60 80 6.125 977.60 CANTON CT 06019 2 12/18/02 00 0435161880 03 02/01/03 0 037605505207 O 01/01/33 0 8321743 A06/G02 F 158,000.00 ZZ 360 158,000.00 1 6.125 960.03 78 5.875 960.03 ROYAL OAK MI 48067 2 12/18/02 00 0435153580 05 02/01/03 0 1000010202079 O 01/01/33 0 8321781 K15/G02 F 300,100.00 ZZ 360 300,100.00 3 6.125 1,823.44 79 5.875 1,823.44 BRONX NY 10466 5 12/21/02 00 0435163522 05 02/01/03 0 020805506319 O 01/01/33 0 8321819 K15/G02 F 139,400.00 ZZ 360 139,400.00 1 7.250 950.95 85 7.000 950.95 PORTLAND ME 04103 5 12/26/02 41 0435172424 05 02/01/03 12 007605506300 O 01/01/33 0 8321827 K15/G02 F 198,000.00 ZZ 360 198,000.00 1 6.250 1,219.12 64 6.000 1,219.12 PAWLET VT 05761 5 12/26/02 00 0435197827 05 02/01/03 0 037105504921 O 01/01/33 0 1 8322051 P44/G02 F 92,000.00 ZZ 360 92,000.00 1 6.625 589.09 80 6.375 589.09 BOURNE(BUZZARDS MA 02532 1 12/16/02 00 0435167341 01 02/01/03 0 019329332 O 01/01/33 0 8322175 696/G02 F 485,600.00 ZZ 360 485,600.00 1 6.375 3,029.51 80 6.125 3,029.51 HAMILTON VA 20158 1 12/27/02 00 0435169891 05 02/01/03 0 24002209 O 01/01/33 0 8322211 696/G02 F 200,000.00 ZZ 360 200,000.00 1 6.375 1,247.74 80 6.125 1,247.74 WASHINGTON DC 20001 1 12/27/02 00 0435169040 07 02/01/03 0 31202648 O 01/01/33 0 8322463 E82/G02 F 106,200.00 ZZ 360 106,200.00 1 6.375 662.55 66 6.125 662.55 CLAYMONT DE 19703 2 12/23/02 00 0400739850 05 02/01/03 0 1862937 O 01/01/33 0 8322467 E82/G02 F 137,200.00 ZZ 360 137,200.00 1 6.375 855.95 73 6.125 855.95 PORTLAND OR 97213 2 12/30/02 00 0400753976 05 02/01/03 0 1683895 N 01/01/33 0 8322549 E22/G02 F 172,800.00 ZZ 360 172,800.00 1 6.625 1,106.46 90 6.375 1,106.46 1 FORT WORTH TX 76179 2 12/26/02 01 0415676600 05 02/01/03 25 0415676600 O 01/01/33 0 8322569 E22/G02 F 216,000.00 ZZ 360 216,000.00 1 6.375 1,347.56 80 6.125 1,347.56 LOS ANGELES CA 91352 5 12/14/02 00 0415688506 05 02/01/03 0 0415688506 O 01/01/33 0 8322591 E22/G02 F 35,000.00 ZZ 240 35,000.00 1 7.000 271.35 50 6.750 271.35 CHARLESTON SC 29407 5 12/26/02 00 0415195387 05 02/01/03 0 0415195387 O 01/01/23 0 8322613 E22/G02 F 93,000.00 ZZ 360 93,000.00 1 7.375 642.33 93 7.125 642.33 MEMPHIS TN 38117 5 12/23/02 10 0415343748 05 02/01/03 30 0415343748 O 01/01/33 0 8322615 E22/G02 F 141,000.00 ZZ 360 141,000.00 1 7.500 985.89 94 7.250 985.89 RIVERSIDE CA 92501 2 12/10/02 11 0415349521 05 02/01/03 30 0415349521 O 01/01/33 0 8322619 E22/G02 F 95,000.00 ZZ 360 95,000.00 1 6.500 600.46 76 6.250 600.46 LOUISVILLE KY 40299 2 12/31/02 00 0415376136 05 02/01/03 0 0415376136 N 01/01/33 0 1 8322643 E22/G02 F 235,210.00 ZZ 360 235,210.00 1 6.500 1,486.69 93 6.250 1,486.69 SCARBOROUGH ME 04074 5 12/18/02 04 0415415884 05 02/01/03 25 0415415884 O 01/01/33 0 8322649 E22/G02 F 425,700.00 ZZ 360 425,700.00 1 6.125 2,586.60 66 5.875 2,586.60 AURORA OR 97002 2 12/23/02 00 0415424837 05 02/01/03 0 0415424837 O 01/01/33 0 8322653 E22/G02 F 144,500.00 ZZ 360 144,500.00 1 6.500 913.34 85 6.250 913.34 SOUTH HAVEN MI 49090 5 12/27/02 04 0415426444 05 02/01/03 12 0415426444 O 01/01/33 0 8322655 E22/G02 F 112,500.00 ZZ 360 112,500.00 1 6.875 739.04 75 6.625 739.04 PORTLAND OR 97206 2 12/26/02 00 0415432087 05 02/01/03 0 0415432087 N 01/01/33 0 8322659 E22/G02 F 184,000.00 ZZ 360 184,000.00 1 6.125 1,118.00 80 5.875 1,118.00 EUGENE OR 97408 5 12/23/02 00 0415437078 05 02/01/03 0 0415437078 O 01/01/33 0 8322671 E22/G02 F 410,000.00 ZZ 360 410,000.00 1 1 6.375 2,557.87 74 6.125 2,557.87 LA (NORTHRIDGE) CA 91325 5 12/13/02 00 0415456391 05 02/01/03 0 0415456391 O 01/01/33 0 8322673 E22/G02 F 171,000.00 ZZ 360 171,000.00 1 6.875 1,123.35 95 6.625 1,123.35 RALEIGH NC 27606 2 12/23/02 11 0415462506 05 02/01/03 30 0415462506 O 01/01/33 0 8322679 E22/G02 F 524,000.00 ZZ 360 524,000.00 1 6.000 3,141.64 53 5.750 3,141.64 PALOS VERDES ES CA 90274 2 12/20/02 00 0415482272 05 02/01/03 0 0415482272 O 01/01/33 0 8322689 E22/G02 F 207,000.00 ZZ 360 207,000.00 1 6.375 1,291.41 90 6.125 1,291.41 SNOHOMISH WA 98290 5 12/24/02 04 0415492891 05 02/01/03 25 0415492891 O 01/01/33 0 8322693 E22/G02 F 293,000.00 ZZ 360 293,000.00 1 6.625 1,876.11 62 6.375 1,876.11 MOUNTAIN VIEW CA 94043 2 12/10/02 00 0415500594 05 02/01/03 0 0415500594 N 01/01/33 0 8322703 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.500 1,264.14 43 6.250 1,264.14 ELK GROVE CA 95758 5 12/19/02 00 0415519925 05 02/01/03 0 1 0415519925 O 01/01/33 0 8322727 E22/G02 F 121,600.00 ZZ 360 121,600.00 1 6.875 798.83 95 6.625 798.83 LAKE WORTH FL 33460 1 12/31/02 10 0415569102 05 02/01/03 35 0415569102 O 01/01/33 0 8322731 E22/G02 F 449,000.00 ZZ 360 449,000.00 1 6.125 2,728.17 77 5.875 2,728.17 LA (SAN PEDRO A CA 90731 2 12/19/02 00 0415579291 05 02/01/03 0 0415579291 O 01/01/33 0 8322733 E22/G02 F 162,000.00 ZZ 360 162,000.00 2 7.750 1,160.59 90 7.500 1,160.59 STOCKTON CA 95204 1 12/26/02 04 0415582352 05 02/01/03 25 0415582352 N 01/01/33 0 8322753 E22/G02 F 190,400.00 ZZ 360 190,400.00 1 6.750 1,234.93 85 6.500 1,234.93 FISHERVILLE KY 40023 2 12/26/02 10 0415596782 05 02/01/03 12 0415596782 O 01/01/33 0 8322755 E22/G02 F 135,500.00 ZZ 360 135,500.00 1 6.500 856.45 87 6.250 856.45 REDDING CA 96002 2 12/19/02 04 0415597590 05 02/01/03 25 0415597590 O 01/01/33 0 1 8322757 E22/G02 F 104,000.00 ZZ 360 104,000.00 1 6.250 640.35 80 6.000 640.35 SAN ANTONIO TX 78248 5 12/19/02 00 0415599802 03 02/01/03 0 0415599802 O 01/01/33 0 8322761 E22/G02 F 76,000.00 ZZ 360 76,000.00 1 6.875 499.27 68 6.625 499.27 GRAPEVINE TX 76051 5 12/26/02 00 0415607282 09 02/01/03 0 0415607282 O 01/01/33 0 8322819 E22/G02 F 575,000.00 ZZ 360 575,000.00 1 5.875 3,401.34 77 5.625 3,401.34 LOS ANGELES CA 90066 5 12/19/02 00 0415628023 05 02/01/03 0 0415628023 O 01/01/33 0 8322863 E22/G02 F 108,000.00 ZZ 360 108,000.00 1 7.250 736.75 80 7.000 736.75 WEST VALLEY CIT UT 84120 5 12/24/02 00 0415667484 05 02/01/03 0 0415667484 N 01/01/33 0 8322867 E22/G02 F 160,000.00 ZZ 360 160,000.00 1 6.625 1,024.50 69 6.375 1,024.50 SANTA ANA CA 92707 2 12/23/02 00 0415696343 05 02/01/03 0 0415696343 O 01/01/33 0 8322871 E22/G02 F 184,000.00 ZZ 360 184,000.00 1 6.500 1,163.01 77 6.250 1,163.01 1 LAGUNA NIGUEL CA 92677 2 12/20/02 00 0415698570 01 02/01/03 0 0415698570 O 01/01/33 0 8322883 E22/G02 F 170,000.00 ZZ 360 170,000.00 1 6.875 1,116.78 63 6.625 1,116.78 RANCHO MURIETA CA 95683 5 12/26/02 00 0415708643 03 02/01/03 0 0415708643 N 01/01/33 0 8322885 E22/G02 F 108,750.00 ZZ 360 108,750.00 1 6.625 696.34 75 6.375 696.34 PUYALLUP WA 98374 1 12/27/02 00 0415709526 05 02/01/03 0 0415709526 N 01/01/33 0 8322921 E22/G02 F 223,600.00 ZZ 360 223,600.00 1 6.125 1,358.62 72 5.875 1,358.62 WEATHERFORD TX 76087 2 12/31/02 00 0415730308 05 02/01/03 0 0415730308 O 01/01/33 0 8322935 E22/G02 F 113,600.00 ZZ 360 113,600.00 1 7.375 784.61 80 7.125 784.61 FAYETTEVILLE GA 30214 2 12/31/02 00 0415742873 05 02/01/03 0 0415742873 N 01/01/33 0 8322961 E22/G02 F 140,000.00 ZZ 360 140,000.00 3 6.750 908.04 80 6.500 908.04 ALBUQUERQUE NM 87106 1 12/31/02 00 0415769801 05 02/01/03 0 0415769801 N 01/01/33 0 1 8322965 E22/G02 F 190,000.00 ZZ 360 190,000.00 1 6.500 1,200.93 63 6.250 1,200.93 LA MESA CA 91941 5 12/20/02 00 0415776558 05 02/01/03 0 0415776558 N 01/01/33 0 8322969 E22/G02 F 161,950.00 ZZ 360 161,950.00 1 6.625 1,036.98 90 6.375 1,036.98 STOCKTON CA 95209 1 12/26/02 04 0415777515 05 02/01/03 30 0415777515 O 01/01/33 0 8323055 E82/G02 F 60,000.00 ZZ 360 60,000.00 1 6.375 374.32 38 6.125 374.32 SPRINGVILLE UT 84663 5 12/30/02 00 0400746988 05 02/01/03 0 0400746988 O 01/01/33 0 8323353 U05/G02 F 50,000.00 ZZ 360 50,000.00 1 7.500 349.61 76 7.250 349.61 LAUDERHILL FL 33319 5 12/17/02 00 0435150313 08 02/01/03 0 3289290 N 01/01/33 0 8323365 X67/G02 F 336,000.00 ZZ 360 336,000.00 1 6.250 2,068.81 80 6.000 2,068.81 CULVER CITY CA 90230 2 12/09/02 00 0435183728 05 02/01/03 0 00281692 O 01/01/33 0 8323413 X67/G02 F 378,000.00 ZZ 360 378,000.00 1 1 6.375 2,358.23 54 6.125 2,358.23 PALO ALTO CA 94306 2 12/10/02 00 0435177936 05 02/01/03 0 00280053 O 01/01/33 0 8323441 313/G02 F 170,800.00 ZZ 360 170,800.00 4 7.000 1,136.34 90 6.750 1,136.34 KILLEEN TX 76543 1 12/16/02 10 0435173935 05 02/01/03 25 0008903502 N 01/01/33 0 8323933 A06/G02 F 176,000.00 ZZ 360 176,000.00 1 6.250 1,083.67 80 6.000 1,083.67 OAK PARK MI 48237 2 12/20/02 00 0435187364 05 02/01/03 0 10000020224480 O 01/01/33 0 8324011 A06/G02 F 375,000.00 ZZ 360 375,000.00 1 6.500 2,370.26 75 6.250 2,370.26 FENTON MI 48430 5 12/20/02 00 0435188776 05 02/01/03 0 021000020231253 O 01/01/33 0 8324029 K15/G02 F 148,400.00 ZZ 360 148,400.00 1 7.750 1,063.16 90 7.500 1,063.16 WATERBURY CT 06708 5 12/13/02 41 0435173380 05 02/01/03 25 037405504993 O 01/01/33 0 8324075 K15/G02 F 110,000.00 ZZ 360 110,000.00 1 7.500 769.14 86 7.250 769.14 HINSDALE NH 03451 2 12/20/02 41 0435188040 05 02/01/03 25 1 033605507930 O 01/01/33 0 8324253 T29/G02 F 224,140.00 ZZ 360 224,140.00 1 6.375 1,398.34 79 6.125 1,398.34 CAVE CREEK AZ 85331 2 12/24/02 00 0435172978 05 02/01/03 0 1529556 O 01/01/33 0 8324335 420/G02 F 339,200.00 ZZ 360 339,200.00 1 6.375 2,116.17 80 6.125 2,116.17 WINDSOR CA 95492 2 12/11/02 00 0435170840 05 02/01/03 0 72004638 O 01/01/33 0 8324757 E11/G02 F 175,000.00 ZZ 360 175,000.00 1 6.500 1,106.12 85 6.250 1,106.12 BROOKLYN PARK MN 55443 1 12/27/02 04 0435195136 05 02/01/03 12 0002001047239 O 01/01/33 0 8324831 J95/G02 F 88,000.00 ZZ 360 88,000.00 1 7.875 638.07 80 7.625 638.07 HESPERIA CA 92345 5 12/03/02 00 0435176839 05 02/01/03 0 0040158248 N 01/01/33 0 8325123 A39/G02 F 244,000.00 ZZ 360 244,000.00 1 6.500 1,542.25 80 6.250 1,542.25 BURBANK CA 91505 1 12/12/02 00 0435190673 01 02/01/03 0 2200787 O 01/01/33 0 1 8325417 E44/G02 F 472,000.00 ZZ 360 472,000.00 1 6.750 3,061.38 80 6.500 3,061.38 PARK CITY UT 84098 5 12/20/02 00 0435180039 05 02/01/03 0 55020224 O 01/01/33 0 8325465 E47/G02 F 104,500.00 ZZ 360 104,500.00 1 6.625 669.12 85 6.375 669.12 CHANDLER AZ 85224 5 12/16/02 11 0435180864 03 02/01/03 12 7320011697 O 01/01/33 0 8325535 M27/G02 F 172,000.00 ZZ 360 172,000.00 1 6.250 1,059.03 69 6.000 1,059.03 WAXHAW NC 28173 1 12/30/02 00 0435197066 03 02/01/03 0 600865511 O 01/01/33 0 8325679 Q30/G02 F 157,500.00 ZZ 360 157,500.00 1 6.500 995.51 44 6.250 995.51 PORT WASHINGTON NY 11050 5 12/20/02 00 0435180427 05 02/01/03 0 21018918 O 01/01/33 0 8325689 642/G02 F 375,800.00 ZZ 360 375,800.00 1 6.250 2,313.87 83 6.000 2,313.87 WOODLAND PARK CO 80863 5 12/23/02 10 0435159470 05 02/01/03 12 11231402 O 01/01/33 0 8325735 642/G02 F 500,000.00 ZZ 360 500,000.00 1 6.500 3,160.34 80 6.250 3,160.34 1 SAN JOSE CA 95132 5 12/27/02 00 0435158738 05 02/01/03 0 12200302 O 01/01/33 0 8325745 477/G02 F 160,000.00 ZZ 360 160,000.00 1 6.750 1,037.76 66 6.500 1,037.76 DUNDEE OR 97115 1 12/10/02 00 0435172036 05 02/01/03 0 258110 O 01/01/33 0 8325763 P09/G02 F 140,000.00 ZZ 360 140,000.00 1 6.250 862.00 80 6.000 862.00 GAITHERSBURG MD 20879 5 12/23/02 00 0435180716 09 02/01/03 0 R0211396 O 01/01/33 0 8326375 E22/G02 F 134,400.00 ZZ 360 134,400.00 1 6.375 838.48 80 6.125 838.48 MAGNOLIA TX 77355 5 12/27/02 00 0414963140 05 02/01/03 0 0414963140 O 01/01/33 0 8326397 E22/G02 F 67,000.00 ZZ 360 67,000.00 1 6.500 423.49 100 6.250 423.49 GASTON SC 29053 2 12/26/02 04 0415371889 05 02/01/03 35 0415371889 O 01/01/33 0 8326425 E22/G02 F 97,000.00 ZZ 360 97,000.00 1 6.500 613.11 79 6.250 613.11 GRANTS PASS OR 97526 5 12/17/02 00 0415521368 05 02/01/03 0 0415521368 O 01/01/33 0 1 8326459 E22/G02 F 88,000.00 ZZ 360 88,000.00 1 5.750 513.54 38 5.500 513.54 COVENTRY RI 02816 5 12/27/02 00 0415616168 05 02/01/03 0 0415616168 O 01/01/33 0 8326463 E22/G02 F 338,000.00 ZZ 360 338,000.00 1 6.500 2,136.39 75 6.250 2,136.39 PLEASANTON CA 94566 5 12/24/02 00 0415625425 09 02/01/03 0 0415625425 O 01/01/33 0 8326465 E22/G02 F 209,950.00 ZZ 360 209,950.00 1 6.375 1,309.81 85 6.125 1,309.81 ORANGEVALE CA 95662 5 12/23/02 01 0415625763 05 02/01/03 12 0415625763 O 01/01/33 0 8326471 E22/G02 F 134,400.00 ZZ 360 134,400.00 1 6.750 871.72 80 6.500 871.72 ROWLETT TX 75089 2 12/27/02 00 0415631159 05 02/01/03 0 0415631159 O 01/01/33 0 8326473 E22/G02 F 215,000.00 ZZ 360 215,000.00 1 6.375 1,341.32 64 6.125 1,341.32 HAYWARD CA 94544 5 12/10/02 00 0415633908 05 02/01/03 0 0415633908 O 01/01/33 0 8326475 E22/G02 F 675,000.00 ZZ 360 675,000.00 1 1 5.875 3,992.88 68 5.625 3,992.88 COTO DE CAZA CA 92679 2 12/23/02 00 0415636190 03 02/01/03 0 0415636190 O 01/01/33 0 8326477 E22/G02 F 135,000.00 ZZ 360 135,000.00 1 6.250 831.22 80 6.000 831.22 GREELEY CO 80631 5 12/27/02 00 0415634484 05 02/01/03 0 0415634484 O 01/01/33 0 8326479 E22/G02 F 146,800.00 ZZ 240 146,800.00 1 6.375 1,083.73 59 6.125 1,083.73 HARRISON CITY PA 15636 5 12/27/02 00 0415638865 05 02/01/03 0 0415638865 O 01/01/23 0 8326497 E22/G02 F 72,900.00 ZZ 360 72,900.00 2 7.750 522.26 90 7.500 522.26 NORFOLK VA 23518 1 01/02/03 10 0415664556 05 02/01/03 25 0415664556 N 01/01/33 0 8326507 E22/G02 F 232,000.00 ZZ 360 232,000.00 1 6.500 1,466.40 65 6.250 1,466.40 LOS ANGELES CA 91367 2 12/19/02 00 0415686575 05 02/01/03 0 0415686575 N 01/01/33 0 8326509 E22/G02 F 76,800.00 ZZ 360 76,800.00 1 6.500 485.43 63 6.250 485.43 EDMOND OK 73013 2 12/27/02 00 0415688118 03 02/01/03 0 1 0415688118 O 01/01/33 0 8326527 E22/G02 F 81,500.00 ZZ 360 81,500.00 1 6.375 508.45 78 6.125 508.45 HOUSTON TX 77075 5 12/27/02 00 0415713080 05 02/01/03 0 0415713080 O 01/01/33 0 8326571 E22/G02 F 190,000.00 ZZ 360 190,000.00 1 6.500 1,200.93 80 6.250 1,200.93 FREEHOLD NJ 07728 5 12/27/02 00 0415747278 05 02/01/03 0 0415747278 O 01/01/33 0 8326573 E22/G02 F 138,400.00 ZZ 360 138,400.00 1 6.375 863.44 80 6.125 863.44 SOUTH PADRE ISL TX 78597 1 12/27/02 00 0415748995 07 02/01/03 0 0415748995 O 01/01/33 0 8326575 E22/G02 F 212,800.00 ZZ 360 212,800.00 1 6.625 1,362.58 80 6.375 1,362.58 ARLINGTON TX 76017 5 12/26/02 00 0415750975 03 02/01/03 0 0415750975 O 01/01/33 0 8326613 E82/G02 F 296,700.00 ZZ 360 296,700.00 1 6.500 1,875.35 86 6.250 1,875.35 NORTHPORT MI 49670 2 12/30/02 04 0400744504 05 02/01/03 25 5724074 O 01/01/33 0 1 8327411 B28/G02 F 135,920.00 ZZ 360 135,920.00 1 6.500 859.11 80 6.250 859.11 WOODLAND PARK CO 80863 1 12/20/02 00 0435183397 05 02/01/03 0 05300393 O 01/01/33 0 8327741 E76/G02 F 107,600.00 ZZ 360 107,600.00 1 6.750 697.89 80 6.500 697.89 GRAND PRAIRIE TX 75050 1 12/09/02 00 0435172580 05 02/01/03 0 10018969 O 01/01/33 0 8327775 U05/G02 F 381,500.00 ZZ 360 381,500.00 1 6.250 2,348.96 67 6.000 2,348.96 MIAMI BEACH FL 33139 5 12/18/02 00 0435153119 05 02/01/03 0 3275650 O 01/01/33 0 8327827 642/G02 F 446,250.00 ZZ 360 446,250.00 1 6.500 2,820.60 85 6.250 2,820.60 DALY CITY CA 94015 5 12/27/02 10 0435174891 05 02/01/03 12 11184402 O 01/01/33 0 8327919 U05/G02 F 373,000.00 ZZ 360 373,000.00 1 6.500 2,357.61 75 6.250 2,357.61 ANAHEIM CA 92807 5 12/17/02 00 0435153374 05 02/01/03 0 3292956 O 01/01/33 0 8327975 U05/G02 F 364,000.00 ZZ 360 364,000.00 1 6.750 2,360.90 63 6.500 2,360.90 1 SANTA MONICA CA 90403 5 12/02/02 00 0435176169 01 02/01/03 0 3283850 O 01/01/33 0 8328143 M27/G02 F 185,000.00 ZZ 360 185,000.00 1 6.125 1,124.08 69 5.875 1,124.08 KANNAPOLIS NC 28083 2 12/23/02 00 0435190145 05 02/01/03 0 0100055165 O 01/01/33 0 8328299 B44/G02 F 205,000.00 ZZ 360 205,000.00 1 6.375 1,278.93 61 6.125 1,278.93 WINTERS CA 95694 5 12/20/02 00 0435188479 02 02/01/03 0 2022304 O 01/01/33 0 8328735 168/168 F 500,000.00 ZZ 360 500,000.00 1 7.125 3,368.59 79 6.875 3,368.59 SARATOGA SPRING NY 12866 1 12/10/02 00 0099876108 05 02/01/03 0 0099876108 O 01/01/33 0 8329249 168/168 F 352,000.00 ZZ 360 352,000.00 1 6.875 2,312.39 80 6.625 2,312.39 WHITESTONE NY 11375 1 12/12/02 00 0099547368 05 02/01/03 0 0099547368 O 01/01/33 0 8329265 L76/G02 F 125,000.00 ZZ 360 125,000.00 1 5.875 739.42 75 5.625 739.42 FARIBAULT MN 55021 5 12/26/02 00 0435169792 05 02/01/03 0 9507397 O 01/01/33 0 1 8329653 E22/G02 F 120,000.00 ZZ 360 120,000.00 1 6.250 738.86 80 6.000 738.86 BELLEVUE WA 98005 5 12/12/02 00 0414966531 01 02/01/03 0 0414966531 O 01/01/33 0 8329655 E22/G02 F 50,625.00 ZZ 360 50,625.00 2 7.375 349.65 90 7.125 349.65 PENDLETON SC 29670 1 01/02/03 04 0415095488 05 02/01/03 25 0415095488 N 01/01/33 0 8329671 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 6.250 615.72 80 6.000 615.72 ONTARIO OR 97914 1 12/19/02 00 0415444934 05 02/01/03 0 0415444934 O 01/01/33 0 8329689 E22/G02 F 237,000.00 T 360 237,000.00 1 6.500 1,498.00 68 6.250 1,498.00 LAKE OSWEGO OR 97035 2 12/27/02 00 0415523935 03 02/01/03 0 0415523935 O 01/01/33 0 8329695 E22/G02 F 124,800.00 ZZ 360 124,800.00 1 5.875 738.24 80 5.625 738.24 HIALEAH FL 33010 1 01/03/03 00 0415540350 05 02/01/03 0 0415540350 O 01/01/33 0 8329701 E22/G02 F 548,000.00 ZZ 360 548,000.00 1 1 7.125 3,691.98 80 6.875 3,691.98 HUME VA 22639 5 12/27/02 00 0415566892 05 02/01/03 0 0415566892 O 01/01/33 0 8329703 E22/G02 F 188,000.00 ZZ 360 188,000.00 4 7.125 1,266.59 80 6.875 1,266.59 FRESNO CA 93726 1 12/17/02 00 0415573682 05 02/01/03 0 0415573682 N 01/01/33 0 8329705 E22/G02 F 171,900.00 ZZ 360 171,900.00 1 6.250 1,058.42 80 6.000 1,058.42 EVERGREEN CO 80439 1 01/03/03 00 0415574672 05 02/01/03 0 0415574672 O 01/01/33 0 8329719 E22/G02 F 69,000.00 ZZ 360 69,000.00 1 6.500 436.13 87 6.250 436.13 FRESNO CA 93726 2 12/23/02 04 0415644806 09 02/01/03 25 0415644806 O 01/01/33 0 8329727 E22/G02 F 320,000.00 ZZ 360 320,000.00 1 6.375 1,996.38 71 6.125 1,996.38 WESTMINSTER CA 92683 5 12/23/02 00 0415660240 05 02/01/03 0 0415660240 O 01/01/33 0 8329745 E22/G02 F 46,800.00 ZZ 360 46,800.00 3 6.750 303.54 90 6.500 303.54 GREAT FALLS MT 59401 1 12/30/02 04 0415687870 05 02/01/03 25 1 0415687870 N 01/01/33 0 8329749 E22/G02 F 224,000.00 ZZ 360 224,000.00 4 6.750 1,452.86 80 6.500 1,452.86 EVERETT WA 98201 2 12/27/02 00 0415698091 05 02/01/03 0 0415698091 N 01/01/33 0 8329757 E22/G02 F 434,000.00 ZZ 360 434,000.00 1 6.625 2,778.95 67 6.375 2,778.95 OAKLAND CA 94619 5 12/23/02 00 0415705417 05 02/01/03 0 0415705417 O 01/01/33 0 8329775 E22/G02 F 189,000.00 ZZ 360 189,000.00 1 7.250 1,289.31 90 7.000 1,289.31 HIALEAH FL 33014 1 01/03/03 04 0415730639 05 02/01/03 25 0415730639 O 01/01/33 0 8329779 E22/G02 F 427,000.00 ZZ 360 427,000.00 1 6.375 2,663.92 58 6.125 2,663.92 SAN FRANCISCO CA 94122 2 12/20/02 00 0415733039 07 02/01/03 0 0415733039 O 01/01/33 0 8329799 E22/G02 F 155,250.00 ZZ 360 155,250.00 1 6.375 968.56 75 6.125 968.56 LINCOLN CA 95648 2 12/26/02 00 0415785815 03 02/01/03 0 0415785815 N 01/01/33 0 1 8330135 A06/G02 F 145,600.00 ZZ 360 145,600.00 1 6.250 896.49 80 6.000 896.49 OAK PARK MI 48237 5 12/28/02 00 0435185475 05 02/01/03 0 021000020216106 O 01/01/33 0 8330253 Q01/G02 F 250,525.00 ZZ 360 250,525.00 1 6.500 1,583.49 79 6.250 1,583.49 LAKESIDE CA 92040 5 12/20/02 00 0435188982 05 02/01/03 0 112175 O 01/01/33 0 8330279 B44/G02 F 80,400.00 ZZ 360 80,400.00 1 6.500 508.18 80 6.250 508.18 BOISE ID 83704 1 12/17/02 00 0435191366 05 02/01/03 0 4021827 O 01/01/33 0 8330285 K15/G02 F 68,400.00 ZZ 360 68,400.00 1 7.625 484.13 90 7.375 484.13 CLAY NY 13212 5 12/17/02 41 0435175674 05 02/01/03 25 02950550765 O 01/01/33 0 8330331 X89/G02 F 325,000.00 ZZ 360 325,000.00 1 6.250 2,001.08 69 6.000 2,001.08 LOS ANGELES CA 90066 5 12/11/02 00 0435189238 05 02/01/03 0 1010239944 O 01/01/33 0 8330333 L20/G02 F 240,000.00 ZZ 360 240,000.00 1 6.750 1,556.64 80 6.500 1,556.64 1 CARSON CITY NV 89703 1 12/31/02 00 0435194717 03 02/01/03 0 1140020012 N 01/01/33 0 8330501 K15/G02 F 99,000.00 ZZ 360 99,000.00 1 7.625 700.72 90 7.375 700.72 NORFOLK CT 06058 5 12/26/02 41 0435181763 05 02/01/03 25 037605505077 O 01/01/33 0 8330521 K15/G02 F 126,600.00 ZZ 360 126,600.00 1 7.625 896.07 85 7.375 896.07 GRISWOLD CT 06351 5 12/26/02 41 0435184262 05 02/01/03 12 03780550377 O 01/01/33 0 8330605 K15/G02 F 187,000.00 ZZ 360 187,000.00 1 6.875 1,228.46 85 6.625 1,228.46 BROOKFIELD CT 06804 5 12/20/02 41 0435181276 05 02/01/03 12 013405507030 O 01/01/33 0 8330755 K15/G02 F 202,000.00 ZZ 360 202,000.00 1 7.625 1,429.74 90 7.375 1,429.74 LOS BANOS CA 93635 5 12/23/02 41 0435176417 05 02/01/03 25 03830550223 O 01/01/33 0 8330931 420/G02 F 366,000.00 ZZ 360 366,000.00 1 6.250 2,253.52 59 6.000 2,253.52 NAPA CA 94559 5 12/13/02 00 0435190533 05 02/01/03 0 82000239 O 01/01/33 0 1 8331031 A50/G02 F 344,000.00 T 360 344,000.00 1 6.875 2,259.84 78 6.625 2,259.84 NORTH MYRTLE BE SC 29582 2 12/31/02 00 0435181367 05 02/01/03 0 905113 O 01/01/33 0 8331079 Q14/G02 F 62,900.00 ZZ 360 62,900.00 1 7.625 445.20 85 7.375 445.20 MILAN IL 61264 2 12/27/02 01 0435177134 05 02/01/03 12 0000210091 O 01/01/33 0 8331129 E47/G02 F 356,000.00 ZZ 360 356,000.00 1 6.500 2,250.16 80 6.250 2,250.16 SAN JOSE CA 95119 5 12/16/02 00 0435193578 05 02/01/03 0 7359512697 O 01/01/33 0 8331179 Q14/G02 F 104,405.00 ZZ 360 104,405.00 1 7.500 730.01 95 7.250 730.01 PHOENIX AZ 85029 1 12/27/02 01 0435177324 05 02/01/03 30 0000210831 O 01/01/33 0 8331213 Q14/G02 F 88,000.00 ZZ 360 88,000.00 1 6.375 549.01 80 6.125 549.01 GRAIN VALLEY MO 64029 5 12/31/02 00 0435182118 05 02/01/03 0 0000210774 O 01/01/33 0 8331767 U35/G02 F 62,505.00 ZZ 360 62,505.00 2 1 7.625 442.41 90 7.375 442.41 PRINCETON IL 61356 1 12/30/02 01 0435192125 05 02/01/03 25 10432740 N 01/01/33 0 8331773 420/G02 F 500,000.00 ZZ 360 500,000.00 1 6.375 3,119.35 80 6.125 3,119.35 NAPA CA 94558 2 12/11/02 00 0435191309 05 02/01/03 0 72004499 O 01/01/33 0 8333230 E23/G02 F 169,900.00 ZZ 360 169,437.57 1 6.500 1,073.88 80 6.250 1,073.88 MIDDLETOWN CA 95461 1 09/26/02 00 0435142591 05 11/01/02 0 62003310 O 10/01/32 0 8334397 253/253 F 123,900.00 ZZ 360 123,900.00 1 6.375 772.98 80 6.125 772.98 FORT WORTH TX 76179 1 12/26/02 00 450316 03 02/01/03 0 450316 O 01/01/33 0 8335130 E23/G02 F 150,300.00 ZZ 360 150,064.97 1 7.500 1,050.92 90 7.250 1,050.92 FONTANA CA 92335 1 10/22/02 14 0434894689 05 12/01/02 25 51019879 O 11/01/32 0 8335659 E22/G02 F 51,300.00 ZZ 360 51,300.00 1 7.875 371.96 79 7.625 371.96 AUGUSTA GA 30901 5 12/20/02 00 0414706135 05 02/01/03 0 1 0414706135 N 01/01/33 0 8335709 E22/G02 F 117,600.00 ZZ 360 117,600.00 1 6.250 724.08 80 6.000 724.08 PUEBLO CO 81001 5 12/30/02 00 0415490176 05 02/01/03 0 0415490176 O 01/01/33 0 8335721 E22/G02 F 136,500.00 ZZ 360 136,500.00 2 7.625 966.14 75 7.375 966.14 SALT LAKE CITY UT 84102 5 12/27/02 00 0415523851 05 02/01/03 0 0415523851 N 01/01/33 0 8335727 E22/G02 F 62,400.00 ZZ 360 62,400.00 1 7.625 441.67 80 7.375 441.67 TAYLOR MI 48180 1 12/12/02 00 0415537885 05 02/01/03 0 0415537885 N 01/01/33 0 8335738 R68/G02 F 90,400.00 ZZ 360 90,400.00 1 7.000 601.43 93 6.750 601.43 DEERFIELD BEACH FL 33441 5 12/10/02 10 0435172143 01 02/01/03 30 20021345 O 01/01/33 0 8335743 E22/G02 F 220,000.00 ZZ 360 220,000.00 1 6.250 1,354.58 69 6.000 1,354.58 PORTLAND OR 97232 2 12/26/02 00 0415560218 05 02/01/03 0 0415560218 O 01/01/33 0 1 8335757 E22/G02 F 144,000.00 ZZ 360 144,000.00 1 6.625 922.05 80 6.375 922.05 LIVONIA MI 48150 5 12/30/02 00 0415595214 05 02/01/03 0 0415595214 O 01/01/33 0 8335779 E22/G02 F 168,300.00 ZZ 360 168,300.00 1 6.375 1,049.97 85 6.125 1,049.97 SANDY OR 97055 5 12/27/02 04 0415634831 05 02/01/03 12 0415634831 O 01/01/33 0 8335789 E22/G02 F 247,000.00 ZZ 360 247,000.00 1 6.500 1,561.21 75 6.250 1,561.21 PALM BEACH GARD FL 33410 5 12/31/02 00 0415661776 03 02/01/03 0 0415661776 O 01/01/33 0 8335793 E22/G02 F 169,600.00 ZZ 360 169,600.00 1 6.500 1,071.99 80 6.250 1,071.99 GRAND RAPIDS MI 49525 5 12/31/02 00 0415668607 05 02/01/03 0 0415668607 O 01/01/33 0 8335815 E22/G02 F 95,000.00 ZZ 360 95,000.00 1 6.500 600.46 42 6.250 600.46 MARBLE FALLS TX 78654 5 12/26/02 00 0415695824 05 02/01/03 0 0415695824 O 01/01/33 0 8335821 E22/G02 F 232,000.00 ZZ 360 232,000.00 4 7.875 1,682.16 80 7.625 1,682.16 1 EDGEWOOD WA 98372 2 12/30/02 00 0415710110 05 02/01/03 0 0415710110 O 01/01/33 0 8335829 E22/G02 F 300,700.00 ZZ 360 300,700.00 1 6.875 1,975.38 72 6.625 1,975.38 GRANTS PASS OR 97527 5 12/30/02 00 0415715622 05 02/01/03 0 0415715622 O 01/01/33 0 8335843 E22/G02 F 184,000.00 ZZ 360 184,000.00 2 6.750 1,193.42 80 6.500 1,193.42 MIDDLESEX NJ 08846 5 12/31/02 00 0415720838 05 02/01/03 0 0415720838 O 01/01/33 0 8335853 E22/G02 F 364,500.00 ZZ 360 364,500.00 1 6.500 2,303.89 90 6.250 2,303.89 LA (SHERMAN OAK CA 91423 5 12/19/02 04 0415724715 05 02/01/03 25 0415724715 O 01/01/33 0 8335862 L68/G02 F 136,000.00 ZZ 360 135,874.04 1 6.375 848.46 90 6.125 848.46 INDIO CA 92201 5 11/06/02 14 0435132071 05 01/01/03 25 7265057 O 12/01/32 0 8335995 E22/G02 F 282,800.00 ZZ 360 282,800.00 1 6.375 1,764.30 67 6.125 1,764.30 SANTA ROSA CA 95405 5 12/23/02 00 0415762848 05 02/01/03 0 0415762848 O 01/01/33 0 1 8335997 E22/G02 F 255,000.00 ZZ 360 255,000.00 1 6.750 1,653.93 70 6.500 1,653.93 EL CAJON CA 92019 5 12/19/02 00 0415766062 05 02/01/03 0 0415766062 O 01/01/33 0 8336533 K15/G02 F 140,100.00 ZZ 360 140,100.00 1 7.000 932.09 60 6.750 932.09 CENTERVILLE MN 55038 5 12/23/02 00 0435188883 05 02/01/03 0 013205508387 O 01/01/33 0 8336621 K15/G02 F 420,000.00 ZZ 360 420,000.00 3 6.500 2,654.69 80 6.250 2,654.69 JAMAICA NY 11432 5 12/18/02 00 0435198866 05 02/01/03 0 021205507288 O 01/01/33 0 8336735 U05/G02 F 260,100.00 ZZ 360 260,100.00 4 7.500 1,818.66 90 7.250 1,818.66 PORTLAND OR 97214 1 12/12/02 10 0435159173 05 02/01/03 25 3280034 N 01/01/33 0 8336857 369/G02 F 115,200.00 ZZ 360 115,200.00 3 7.250 785.87 90 7.000 785.87 BAKERSFIELD CA 93308 1 12/16/02 10 0435191655 05 02/01/03 25 0074800103 N 01/01/33 0 8336987 U05/G02 F 175,000.00 ZZ 360 175,000.00 3 1 6.375 1,091.77 33 6.125 1,091.77 STUDIO CITY ARE CA 91602 1 12/05/02 00 0435182886 05 02/01/03 0 3287005 O 01/01/33 0 8337253 Q30/G02 F 58,000.00 ZZ 240 58,000.00 1 5.875 411.36 71 5.625 411.36 TRAFFORD PA 15085 2 12/30/02 00 0435191564 05 02/01/03 0 21019151 O 01/01/23 0 8337448 W98/G02 F 211,500.00 ZZ 360 211,313.40 1 6.625 1,354.26 75 6.375 1,354.26 MIDDLETOWN MD 21769 5 11/21/02 00 0435065412 05 01/01/03 0 L0210045 O 12/01/32 0 8337533 X64/G02 F 63,750.00 ZZ 360 63,750.00 1 6.875 418.79 75 6.625 418.79 DETROIT MI 48228 5 12/23/02 00 0435185707 05 02/01/03 0 1696 O 01/01/33 0 8337745 T08/G02 F 229,000.00 ZZ 360 229,000.00 1 6.250 1,409.99 54 6.000 1,409.99 SARASOTA FL 34236 5 12/12/02 00 0435148192 08 02/01/03 0 15010480 O 01/01/33 0 8337747 T08/G02 F 44,000.00 ZZ 360 44,000.00 1 6.250 270.91 80 6.000 270.91 OCALA FL 34481 1 12/16/02 00 0435148010 03 02/01/03 0 1 15020354 O 01/01/33 0 8337749 T08/G02 F 58,900.00 T 360 58,900.00 1 7.125 396.82 62 6.875 396.82 POMPANO BEACH FL 33069 1 12/13/02 00 0435148200 06 02/01/03 0 15100003 O 01/01/33 0 8337787 W96/G02 F 100,000.00 ZZ 360 100,000.00 1 6.500 632.06 80 6.250 632.06 DEFIANCE OH 43512 5 12/06/02 00 0435149299 05 02/01/03 0 22110510 O 01/01/33 0 8337803 Q30/G02 F 97,600.00 ZZ 360 97,600.00 1 6.750 633.03 80 6.500 633.03 PHILADELPHIA PA 19152 1 12/19/02 00 0435194444 05 02/01/03 0 21019392 O 01/01/33 0 8337823 Q30/G02 F 53,500.00 ZZ 360 53,500.00 1 6.500 338.16 71 6.250 338.16 CARBONDALE PA 18407 2 12/17/02 00 0435194469 05 02/01/03 0 21019275 O 01/01/33 0 8337913 X91/G02 F 157,850.00 ZZ 360 157,850.00 1 6.125 959.11 66 5.875 959.11 HONOLULU HI 96815 2 12/31/02 00 0435189147 06 02/01/03 0 803221 O 01/01/33 0 1 8337959 253/253 F 169,500.00 ZZ 360 169,500.00 1 6.875 1,113.50 80 6.625 1,113.50 BATAVIA OH 45103 2 12/19/02 00 450325 05 02/01/03 0 450325 O 01/01/33 0 8338053 A39/G02 F 259,600.00 ZZ 360 259,600.00 1 6.375 1,619.57 80 6.125 1,619.57 BURBANK CA 91505 1 12/17/02 00 0435193305 01 02/01/03 0 2200535RFC O 01/01/33 0 8338291 477/G02 F 124,000.00 ZZ 360 124,000.00 1 6.375 773.60 78 6.125 773.60 VIDA OR 97488 5 12/18/02 00 0435189162 05 02/01/03 0 226180 O 01/01/33 0 8338373 E82/G02 F 179,150.00 ZZ 360 179,150.00 1 6.375 1,117.66 68 6.125 1,117.66 WALTON NE 68461 2 12/18/02 00 0400725537 05 02/01/03 0 2855970 O 01/01/33 0 8338411 742/G02 F 168,000.00 ZZ 360 168,000.00 1 6.875 1,103.64 80 6.625 1,103.64 KATONAH NY 10536 1 12/27/02 00 0435192141 05 02/01/03 0 5846589 N 01/01/33 0 8338618 E23/G02 F 330,000.00 ZZ 360 329,686.88 1 6.250 2,031.87 73 6.000 2,031.87 1 SAN JOSE CA 95136 2 11/04/02 00 0435122668 05 01/01/03 0 62004241 O 12/01/32 0 8338716 W98/G02 F 140,000.00 ZZ 360 139,879.46 1 6.750 908.04 64 6.500 908.04 FREDERICK MD 21703 1 11/27/02 00 0435115142 09 01/01/03 0 L0211007 O 12/01/32 0 8338728 W98/G02 F 159,500.00 ZZ 360 159,375.58 1 7.250 1,088.07 70 7.000 1,088.07 ALEXANDRIA VA 22306 5 11/22/02 00 0435095930 05 01/01/03 0 RC021109 O 12/01/32 0 8338785 E22/G02 F 354,400.00 ZZ 360 354,400.00 1 6.000 2,124.81 33 5.750 2,124.81 LAGUNA BEACH CA 92651 2 12/17/02 00 0415259001 05 02/01/03 0 0415259001 O 01/01/33 0 8338787 E22/G02 F 396,000.00 ZZ 360 396,000.00 1 6.375 2,470.52 80 6.125 2,470.52 MOORPARK CA 93021 5 12/12/02 00 0415297746 03 02/01/03 0 0415297746 O 01/01/33 0 8338791 E22/G02 F 114,500.00 ZZ 360 114,500.00 1 6.625 733.16 77 6.375 733.16 EAGLE CREEK OR 97022 2 12/20/02 00 0415316256 05 02/01/03 0 0415316256 N 01/01/33 0 1 8338825 E22/G02 F 272,200.00 ZZ 360 272,200.00 1 6.625 1,742.93 74 6.375 1,742.93 PLANO TX 75024 2 01/02/03 00 0415512235 03 02/01/03 0 0415512235 O 01/01/33 0 8338883 E22/G02 F 187,000.00 ZZ 360 187,000.00 1 6.750 1,212.88 84 6.500 1,212.88 GRANTS PASS OR 97527 2 12/31/02 10 0415698133 05 02/01/03 12 0415698133 O 01/01/33 0 8338887 E22/G02 F 264,000.00 ZZ 360 264,000.00 1 6.500 1,668.66 80 6.250 1,668.66 BOCA RATON FL 33433 1 01/07/03 00 0415706621 03 02/01/03 0 0415706621 O 01/01/33 0 8338903 E22/G02 F 128,000.00 ZZ 360 128,000.00 1 5.875 757.17 73 5.625 757.17 HIALEAH FL 33012 5 01/02/03 00 0415737345 05 02/01/03 0 0415737345 O 01/01/33 0 8338907 E22/G02 F 220,000.00 ZZ 360 220,000.00 1 6.250 1,354.58 80 6.000 1,354.58 ANTIOCH CA 94509 1 12/19/02 00 0415744754 05 02/01/03 0 0415744754 O 01/01/33 0 8338913 E22/G02 F 388,000.00 ZZ 360 388,000.00 1 1 6.750 2,516.56 80 6.500 2,516.56 SALT LAKE CITY UT 84103 5 12/23/02 00 0415750744 05 02/01/03 0 0415750744 O 01/01/33 0 8338961 E22/G02 F 179,000.00 ZZ 360 179,000.00 4 6.875 1,175.90 90 6.625 1,175.90 CHICAGO IL 60636 5 01/02/03 04 0415799717 05 02/01/03 25 0415799717 O 01/01/33 0 8338969 E22/G02 F 386,000.00 ZZ 360 386,000.00 1 6.250 2,376.67 80 6.000 2,376.67 LOS ANGELES CA 90019 2 12/31/02 00 0415827559 05 02/01/03 0 0415827559 O 01/01/33 0 8338985 E22/G02 F 328,800.00 ZZ 360 328,800.00 1 6.500 2,078.24 80 6.250 2,078.24 DALLAS TX 75287 5 01/02/03 00 0415647874 03 02/01/03 0 0415647874 O 01/01/33 0 8339003 E22/G02 F 110,000.00 ZZ 360 110,000.00 1 6.125 668.37 80 5.875 668.37 SPRINGFIELD OR 97478 5 01/02/03 00 0415668185 05 02/01/03 0 0415668185 O 01/01/33 0 8339012 E23/G02 F 256,000.00 ZZ 360 255,757.09 1 6.250 1,576.24 80 6.000 1,576.24 NATIONAL CITY CA 91950 1 11/15/02 00 0435059555 05 01/01/03 0 1 11014564 O 12/01/32 0 8339493 U05/G02 F 517,000.00 ZZ 360 517,000.00 1 6.250 3,183.26 69 6.000 3,183.26 SAN CLEMENTE CA 92672 2 12/23/02 00 0435193560 05 02/01/03 0 3296828 O 01/01/33 0 8339505 U05/G02 F 324,000.00 ZZ 360 324,000.00 1 6.250 1,994.92 80 6.000 1,994.92 WALNUT CREEK CA 94547 1 12/09/02 00 0435187638 05 02/01/03 0 3285430 O 01/01/33 0 8339557 588/G02 F 135,900.00 ZZ 360 135,900.00 1 6.500 858.98 90 6.250 858.98 EAST BRANDY TWN PA 19335 1 12/23/02 14 0435183603 05 02/01/03 25 1084135 O 01/01/33 0 8339585 U05/G02 F 365,400.00 ZZ 360 365,400.00 1 6.375 2,279.62 80 6.125 2,279.62 TIGARD OR 97223 5 12/18/02 00 0435187661 05 02/01/03 0 3294789 O 01/01/33 0 8339602 E23/G02 F 352,500.00 ZZ 360 352,188.99 1 6.625 2,257.10 75 6.375 2,257.10 SAN JOSE CA 95121 5 11/20/02 00 0435107867 05 01/01/03 0 61008867 O 12/01/32 0 1 8339613 U05/G02 F 120,000.00 ZZ 360 120,000.00 1 6.875 788.31 80 6.625 788.31 KAUFMAN TX 75142 5 12/18/02 00 0435193776 05 02/01/03 0 3289672 O 01/01/33 0 8339627 U05/G02 F 170,000.00 ZZ 360 170,000.00 1 6.625 1,088.53 68 6.375 1,088.53 RICHMOND CA 94804 5 12/02/02 00 0435193800 05 02/01/03 0 3281854 O 01/01/33 0 8339657 U05/G02 F 511,000.00 ZZ 360 511,000.00 1 6.500 3,229.87 80 6.250 3,229.87 DANVILLE CA 94526 1 12/12/02 00 0435195383 03 02/01/03 0 3289688 O 01/01/33 0 8340164 E23/G02 F 335,000.00 ZZ 360 334,674.40 1 6.125 2,035.50 78 5.875 2,035.50 SAN JOSE CA 95111 2 11/25/02 00 0435120365 05 01/01/03 0 61008528 O 12/01/32 0 8340435 420/G02 F 281,750.00 ZZ 360 281,750.00 1 6.250 1,734.78 78 6.000 1,734.78 NAPA CA 94558 5 12/19/02 00 0435196134 05 02/01/03 0 82000293 O 01/01/33 0 8340558 E23/G02 F 488,000.00 ZZ 360 488,000.00 1 6.500 3,084.49 80 6.250 3,084.49 1 WALNUT CA 91789 5 12/10/02 00 0435167739 05 02/01/03 0 51023215 O 01/01/33 0 8340668 A19/G02 F 175,000.00 ZZ 360 175,000.00 1 6.750 1,135.05 57 6.500 1,135.05 SALEM MA 01970 5 12/12/02 00 0435135819 05 02/01/03 0 0211952 O 01/01/33 0 8340800 G34/G02 F 300,000.00 ZZ 360 300,000.00 1 7.250 2,046.53 74 7.000 2,046.53 HENDERSON NV 89052 1 12/10/02 00 0435140009 03 02/01/03 0 39012534 N 01/01/33 0 8340820 E23/G02 F 328,500.00 ZZ 360 328,500.00 1 7.000 2,185.52 90 6.750 2,185.52 OAKLAND CA 94606 1 12/06/02 11 0435133699 05 02/01/03 25 64000195 O 01/01/33 0 8341040 R68/G02 F 88,000.00 T 360 88,000.00 1 6.875 578.10 80 6.625 578.10 COCOA BEACH FL 32931 1 12/31/02 00 0435156096 01 02/01/03 0 7569597 O 01/01/33 0 8341233 K15/G02 F 96,000.00 ZZ 360 95,928.75 1 7.500 671.25 72 7.250 671.25 SACRAMENTO CA 95815 5 11/25/02 00 0435191358 05 01/01/03 0 039005504480 O 12/01/32 0 1 8341394 E23/G02 F 524,000.00 ZZ 360 524,000.00 1 6.375 3,269.08 73 6.125 3,269.08 EL DORADO HILLS CA 95762 5 12/13/02 00 0435161484 05 02/01/03 0 64000213 O 01/01/33 0 8341472 N16/G02 F 260,000.00 ZZ 360 259,770.61 1 6.625 1,664.81 79 6.375 1,664.81 ORANGE CA 92869 5 12/19/02 00 0435145636 01 01/29/03 0 105408965 O 12/29/32 0 8341796 E23/G02 F 200,400.00 ZZ 360 200,400.00 1 6.375 1,250.24 80 6.125 1,250.24 SUISUN CITY CA 94585 1 12/10/02 00 0435169727 05 02/01/03 0 61008998 O 01/01/33 0 8342172 E23/G02 F 360,000.00 ZZ 360 360,000.00 1 6.250 2,216.58 79 6.000 2,216.58 DALY CITY CA 94014 5 12/13/02 00 0435166020 05 02/01/03 0 61008956 O 01/01/33 0 8342335 E22/G02 F 118,400.00 ZZ 360 118,400.00 1 6.375 738.66 80 6.125 738.66 METAIRIE LA 70002 5 01/03/03 00 0414977793 05 02/01/03 0 0414977793 O 01/01/33 0 8342347 E22/G02 F 265,000.00 ZZ 360 265,000.00 1 1 6.250 1,631.65 76 6.000 1,631.65 LAKESIDE CA 92040 5 12/27/02 00 0415239805 05 02/01/03 0 0415239805 O 01/01/33 0 8342379 E22/G02 F 182,400.00 ZZ 360 182,400.00 1 6.375 1,137.94 80 6.125 1,137.94 THOMSPON FALLS MT 59873 5 12/27/02 00 0415464882 05 02/01/03 0 0415464882 O 01/01/33 0 8342387 E22/G02 F 222,400.00 ZZ 360 222,400.00 1 6.375 1,387.49 80 6.125 1,387.49 RANCHO CUCAMONG CA 91701 5 12/30/02 00 0415485093 05 02/01/03 0 0415485093 O 01/01/33 0 8342461 E22/G02 F 175,000.00 ZZ 360 175,000.00 1 6.500 1,106.12 73 6.250 1,106.12 CANYON LAKE TX 78132 5 01/03/03 00 0415662113 05 02/01/03 0 0415662113 O 01/01/33 0 8342487 L16/G02 F 60,120.00 ZZ 360 60,120.00 1 6.750 389.94 90 6.500 389.94 BAKERSFIELD CA 93308 1 01/02/03 04 0435194659 05 02/01/03 25 8850 O 01/01/33 0 8342509 E22/G02 F 183,000.00 ZZ 360 183,000.00 1 6.375 1,141.68 75 6.125 1,141.68 GARDEN GROVE CA 92840 5 12/26/02 00 0415716406 09 02/01/03 0 1 0415716406 O 01/01/33 0 8342535 E22/G02 F 244,883.60 ZZ 360 244,883.60 1 6.875 1,608.71 70 6.625 1,608.71 DALLAS TX 75208 5 12/30/02 00 0415742147 05 02/01/03 0 0415742147 O 01/01/33 0 8342541 E22/G02 F 81,700.00 ZZ 360 81,700.00 1 6.750 529.90 73 6.500 529.90 PHOENIX AZ 85019 5 01/02/03 00 0415745116 05 02/01/03 0 0415745116 O 01/01/33 0 8342605 E22/G02 F 268,000.00 ZZ 360 268,000.00 1 6.125 1,628.40 80 5.875 1,628.40 SANTA ROSA CA 95403 1 12/19/02 00 0415796457 05 02/01/03 0 0415796457 O 01/01/33 0 8342609 E22/G02 F 380,000.00 ZZ 240 380,000.00 1 6.375 2,805.28 79 6.125 2,805.28 ISSAQUAH WA 98027 5 01/02/03 00 0415800077 03 03/01/03 0 0415800077 O 02/01/23 0 8343467 G34/G02 F 90,000.00 ZZ 360 90,000.00 1 6.500 568.86 44 6.250 568.86 HENDERSON NV 89014 5 12/30/02 00 0435196480 05 02/01/03 0 59212116 O 01/01/33 0 1 8343738 E23/G02 F 496,000.00 ZZ 360 496,000.00 1 6.375 3,094.39 54 6.125 3,094.39 POLSON MT 59860 5 12/23/02 00 0435188032 05 02/01/03 0 11016215 O 01/01/33 0 8343856 E23/G02 F 248,000.00 ZZ 360 248,000.00 1 6.375 1,547.20 80 6.125 1,547.20 TAYLORSVILLE UT 84123 5 12/19/02 00 0435189329 05 02/01/03 0 41005390 O 01/01/33 0 8343977 944/G02 F 282,150.00 ZZ 360 282,150.00 1 6.250 1,737.25 95 6.000 1,737.25 ROCKLIN CA 95677 1 12/27/02 04 0435197785 05 02/01/03 30 W02034424 O 01/01/33 0 8344330 E23/G02 F 225,000.00 ZZ 360 225,000.00 1 6.500 1,422.15 78 6.250 1,422.15 GARDENA CA 90249 5 12/18/02 00 0435196332 05 02/01/03 0 51022841 O 01/01/33 0 8344733 Q14/G02 F 101,500.00 ZZ 360 101,500.00 1 6.375 633.23 87 6.125 633.23 DES MOINES IA 50317 5 12/31/02 01 0435189931 05 02/01/03 25 000210504 O 01/01/33 0 8345837 E22/G02 F 214,200.00 ZZ 360 214,200.00 1 6.875 1,407.14 80 6.625 1,407.14 1 RIVERSIDE CA 92503 5 12/28/02 00 0415685296 05 02/01/03 0 0415685296 O 01/01/33 0 8345965 U05/G02 F 344,000.00 ZZ 360 344,000.00 1 6.500 2,174.31 80 6.250 2,174.31 MALIBU CA 90265 5 12/18/02 00 0435191200 01 02/01/03 0 3295361 O 01/01/33 0 8346697 G51/G02 F 100,000.00 ZZ 360 100,000.00 1 6.750 648.60 70 6.500 648.60 JACKSONVILLE FL 32257 2 12/23/02 00 0435173331 05 02/01/03 0 25001677 O 01/01/33 0 8347555 U19/G02 F 224,900.00 ZZ 360 224,900.00 1 6.750 1,458.70 75 6.500 1,458.70 SEDALIA CO 80135 1 12/27/02 00 0435191598 03 02/01/03 0 0212160003 O 01/01/33 0 8347649 T44/G02 F 235,852.00 ZZ 360 235,852.00 1 6.500 1,490.75 80 6.250 1,490.75 ROCKLIN CA 95765 5 12/18/02 00 0435196159 05 02/01/03 0 1055545 O 01/01/33 0 8350415 X80/G02 F 344,250.00 ZZ 360 344,250.00 1 6.500 2,175.89 75 6.250 2,175.89 SAN DIEGO CA 92101 1 12/06/02 00 0435194295 08 02/01/03 0 1410088715 O 01/01/33 0 1 8350453 X80/G02 F 215,000.00 ZZ 360 215,000.00 1 6.500 1,358.95 80 6.250 1,358.95 LAKE ELSINORE CA 92532 1 12/20/02 00 0435194220 03 02/01/03 0 14101202416 N 01/01/33 0 8350493 E22/G02 F 230,000.00 ZZ 360 230,000.00 1 6.250 1,416.15 33 6.000 1,416.15 MILLBRAE CA 94030 2 12/24/02 00 0415490341 05 02/01/03 0 0415490341 O 01/01/33 0 8350537 E22/G02 F 74,500.00 ZZ 360 74,500.00 1 6.875 489.41 83 6.625 489.41 DEERFIELD BEACH FL 33441 2 12/27/02 04 0415622992 01 02/01/03 12 0415622992 O 01/01/33 0 8351163 R26/G02 F 185,000.00 ZZ 360 185,000.00 1 7.000 1,230.81 90 6.750 1,230.81 LONG BEACH CA 90805 5 12/20/02 12 0435195615 05 02/01/03 25 0005843000 O 01/01/33 0 8353885 964/G02 F 121,600.00 ZZ 360 121,497.84 1 6.875 798.83 80 6.625 798.83 ENGLEWOOD CO 80112 2 11/21/02 00 0435178413 01 01/01/03 0 274372 O 12/01/32 0 8353889 964/G02 F 179,000.00 ZZ 360 178,842.07 1 1 6.625 1,146.16 80 6.375 1,146.16 CITRUS HEIGHTS CA 95610 2 11/29/02 00 0435178447 05 01/01/03 0 279005 N 12/01/32 0 8353923 964/G02 F 120,500.00 ZZ 360 120,500.00 1 7.500 842.55 50 7.250 842.55 MERIDIAN ID 83642 2 12/05/02 00 0435178579 05 02/01/03 0 285639 O 01/01/33 0 8354011 964/G02 F 112,500.00 ZZ 360 112,436.93 4 8.875 895.10 90 8.625 895.10 BRYAN TX 77803 1 12/02/02 10 0435178868 05 01/01/03 25 298484 N 12/01/32 0 8354065 964/G02 F 80,000.00 ZZ 360 80,000.00 1 6.875 525.54 30 6.625 525.54 WOODLAND CA 95776 1 12/12/02 00 0435179288 05 02/01/03 0 307669 O 01/01/33 0 8354069 964/G02 F 53,550.00 ZZ 360 53,550.00 1 7.500 374.43 90 7.250 374.43 HOUSTON TX 77004 1 12/16/02 11 0435179320 05 02/01/03 25 309087 N 01/01/33 0 8354101 964/G02 F 144,000.00 ZZ 360 144,000.00 1 7.000 958.04 80 6.750 958.04 AUBURN WA 98002 5 12/10/02 00 0435179551 05 02/01/03 0 1 314651 N 01/01/33 0 8355045 E22/G02 F 195,990.00 ZZ 360 195,990.00 1 6.000 1,175.06 80 5.750 1,175.06 GARDENA CA 90249 5 01/03/03 00 0415715481 05 02/01/03 0 0415715481 O 01/01/33 0 8357107 926/G02 F 37,100.00 ZZ 360 37,100.00 1 6.750 240.63 80 6.500 240.63 HILTON HEAD ISL SC 29928 1 12/20/02 00 0435200100 01 02/01/03 0 163029717 N 01/01/33 0 TOTAL NUMBER OF LOANS : 2,382 TOTAL ORIGINAL BALANCE : 475,523,154.60 TOTAL PRINCIPAL BALANCE : 475,149,431.84 TOTAL ORIGINAL P+I : 3,043,450.05 TOTAL CURRENT P+I : 3,043,450.07 *************************** * END OF REPORT * ***************************
EXHIBIT TWO SCHEDULE OF DISCOUNT FRACTIONS Schedule of Discount Fractions Loan Number Current Balance Net Mortgage Rate Discount Fraction PO Balance 8073861 $199,413.85 5.845% 2.5833% $5,151.52 8086935 $149,570.78 5.970% 0.5000% $747.85 8130453 $77,434.26 5.970% 0.5000% $387.17 8159585 $159,695.57 5.970% 0.5000% $798.48 8167051 $255,512.92 5.970% 0.5000% $1,277.56 8170821 $167,840.60 5.970% 0.5000% $839.20 8179793 $184,148.97 5.970% 0.5000% $920.74 8181451 $181,553.92 5.970% 0.5000% $907.77 8183023 $228,648.27 5.970% 0.5000% $1,143.24 8183091 $219,550.31 5.595% 6.7500% $14,819.65 8183157 $143,726.03 5.970% 0.5000% $718.63 8190911 $75,349.30 5.720% 4.6667% $3,516.30 8194513 $648,095.02 5.845% 2.5833% $16,742.45 8201191 $347,727.89 5.845% 2.5833% $8,982.97 8201307 $324,299.59 5.720% 4.6667% $15,133.98 8204045 $159,945.10 5.970% 0.5000% $799.73 8207533 $300,407.74 5.845% 2.5833% $7,760.53 8208111 $84,919.35 5.970% 0.5000% $424.60 8217291 $266,479.66 5.845% 2.5833% $6,884.06 8221975 $187,817.27 5.845% 2.5833% $4,851.95 8222123 $601,525.43 5.845% 2.5833% $15,539.41 8222827 $384,634.69 5.970% 0.5000% $1,923.17 8226537 $174,825.79 5.720% 4.6667% $8,158.54 8227175 $339,353.10 5.970% 0.5000% $1,696.77 8228973 $114,888.23 5.845% 2.5833% $2,967.95 8229279 $391,609.76 5.720% 4.6667% $18,275.12 8231811 $71,863.00 5.970% 0.5000% $359.32 8232861 $393,866.81 5.845% 2.5833% $10,174.89 8232865 $78,919.46 5.595% 6.7500% $5,327.06 8233281 $248,763.73 5.970% 0.5000% $1,243.82 8235245 $284,723.00 5.845% 2.5833% $7,355.34 8237887 $239,772.28 5.970% 0.5000% $1,198.86 8239269 $145,861.47 5.970% 0.5000% $729.31 8241215 $228,782.72 5.970% 0.5000% $1,143.91 8241311 $426,594.85 5.970% 0.5000% $2,132.97 8241469 $221,789.36 5.970% 0.5000% $1,108.95 8241509 $169,431.16 5.720% 4.6667% $7,906.79 8241787 $245,755.11 5.720% 4.6667% $11,468.57 8241985 $129,873.65 5.845% 2.5833% $3,355.07 8241987 $607,423.11 5.970% 0.5000% $3,037.12 8242017 $259,753.31 5.970% 0.5000% $1,298.77 8245461 $55,764.08 5.970% 0.5000% $278.82 8249141 $599,373.56 5.470% 8.8333% $52,944.66 8249459 $280,000.00 5.970% 0.5000% $1,400.00 8249549 $594,435.44 5.970% 0.5000% $2,972.18 8250229 $247,764.69 5.970% 0.5000% $1,238.82 8250269 $163,844.39 5.970% 0.5000% $819.22 8250773 $338,678.34 5.970% 0.5000% $1,693.39 8251055 $86,318.02 5.970% 0.5000% $431.59 8251117 $95,700.00 5.970% 0.5000% $478.50 8251641 $249,762.79 5.970% 0.5000% $1,248.81 8253859 $97,794.11 5.970% 0.5000% $488.97 8254377 $274,732.72 5.845% 2.5833% $7,097.26 Thursday, January 23, 2003 Page 1 of 7 8254991 $499,525.58 5.970% 0.5000% $2,497.63 8255071 $199,810.23 5.970% 0.5000% $999.05 8255239 $524,464.73 5.595% 6.7500% $35,401.37 8255331 $359,650.10 5.845% 2.5833% $9,290.96 8255335 $334,924.15 5.845% 2.5833% $8,652.21 8255343 $129,570.88 5.720% 4.6667% $6,046.64 8255379 $411,609.07 5.970% 0.5000% $2,058.05 8256683 $205,000.00 5.970% 0.5000% $1,025.00 8256743 $312,000.00 5.970% 0.5000% $1,560.00 8256745 $276,000.00 5.970% 0.5000% $1,380.00 8257375 $434,587.25 5.970% 0.5000% $2,172.94 8258131 $119,086.89 5.970% 0.5000% $595.43 8258443 $279,734.32 5.970% 0.5000% $1,398.67 8258455 $181,627.50 5.970% 0.5000% $908.14 8262369 $83,000.00 5.720% 4.6667% $3,873.33 8262499 $420,000.00 5.970% 0.5000% $2,100.00 8262623 $135,000.00 5.970% 0.5000% $675.00 8262855 $379,630.66 5.845% 2.5833% $9,807.13 8265661 $429,592.00 5.970% 0.5000% $2,147.96 8266091 $102,895.29 5.610% 6.5000% $6,688.19 8266817 $212,298.37 5.970% 0.5000% $1,061.49 8268173 $178,230.73 5.970% 0.5000% $891.15 8268291 $119,086.90 5.970% 0.5000% $595.43 8268437 $227,533.90 5.970% 0.5000% $1,137.67 8268449 $265,747.61 5.970% 0.5000% $1,328.74 8268459 $399,620.46 5.970% 0.5000% $1,998.10 8268573 $188,820.66 5.970% 0.5000% $944.10 8269175 $350,666.95 5.970% 0.5000% $1,753.33 8269495 $340,000.00 5.970% 0.5000% $1,700.00 8269753 $293,500.00 5.970% 0.5000% $1,467.50 8269775 $372,000.00 5.970% 0.5000% $1,860.00 8269785 $131,000.00 5.845% 2.5833% $3,384.17 8269819 $152,000.00 5.845% 2.5833% $3,926.67 8269831 $160,000.00 5.845% 2.5833% $4,133.33 8270611 $187,000.00 5.970% 0.5000% $935.00 8270767 $349,667.91 5.970% 0.5000% $1,748.34 8270831 $524,501.85 5.970% 0.5000% $2,622.51 8271795 $289,724.84 5.970% 0.5000% $1,448.62 8273077 $181,000.00 5.845% 2.5833% $4,675.83 8273133 $99,600.00 5.970% 0.5000% $498.00 8273239 $360,000.00 5.970% 0.5000% $1,800.00 8273271 $456,000.00 5.970% 0.5000% $2,280.00 8274943 $650,000.00 5.845% 2.5833% $16,791.67 8274945 $214,995.80 5.970% 0.5000% $1,074.98 8275357 $256,000.00 5.970% 0.5000% $1,280.00 8275553 $270,243.33 5.970% 0.5000% $1,351.22 8275583 $491,533.17 5.970% 0.5000% $2,457.67 8276051 $59,200.00 5.970% 0.5000% $296.00 8276291 $124,082.15 5.970% 0.5000% $620.41 8276413 $175,824.79 5.720% 4.6667% $8,205.16 8277597 $110,500.00 5.970% 0.5000% $552.50 8277619 $300,700.00 5.970% 0.5000% $1,503.50 8277975 $116,886.29 5.845% 2.5833% $3,019.56 8278359 $300,414.69 5.970% 0.5000% $1,502.07 8278389 $326,689.72 5.970% 0.5000% $1,633.45 8278531 $296,512.91 5.870% 2.1667% $6,424.45 8278655 $208,801.69 5.970% 0.5000% $1,044.01 Thursday, January 23, 2003 Page 2 of 7 8278669 $337,600.00 5.970% 0.5000% $1,688.00 8278761 $180,000.00 5.970% 0.5000% $900.00 8278947 $417,000.00 5.845% 2.5833% $10,772.50 8279983 $250,000.00 5.720% 4.6667% $11,666.67 8280103 $140,000.00 5.970% 0.5000% $700.00 8280195 $169,800.00 5.970% 0.5000% $849.00 8280363 $337,600.00 5.970% 0.5000% $1,688.00 8280399 $299,694.14 5.595% 6.7500% $20,229.35 8280917 $207,200.00 5.845% 2.5833% $5,352.67 8282781 $449,562.63 5.845% 2.5833% $11,613.70 8283081 $159,695.57 5.970% 0.5000% $798.48 8283231 $99,809.73 5.970% 0.5000% $499.05 8283237 $119,771.67 5.970% 0.5000% $598.86 8283277 $87,832.55 5.970% 0.5000% $439.16 8283409 $124,562.54 5.970% 0.5000% $622.81 8283445 $84,790.79 5.970% 0.5000% $423.95 8283601 $176,269.88 5.970% 0.5000% $881.35 8283609 $119,235.64 5.970% 0.5000% $596.18 8283615 $116,927.00 5.970% 0.5000% $584.64 8283689 $103,288.55 5.970% 0.5000% $516.44 8283801 $61,532.70 5.970% 0.5000% $307.66 8283813 $50,753.23 5.970% 0.5000% $253.77 8283917 $91,755.09 5.970% 0.5000% $458.78 8284007 $119,771.67 5.970% 0.5000% $598.86 8284143 $295,278.05 5.970% 0.5000% $1,476.39 8284327 $181,583.57 5.970% 0.5000% $907.92 8284457 $166,183.21 5.970% 0.5000% $830.92 8284467 $91,228.38 5.970% 0.5000% $456.14 8284663 $114,781.21 5.970% 0.5000% $573.91 8285183 $86,318.02 5.970% 0.5000% $431.59 8285657 $450,000.00 5.970% 0.5000% $2,250.00 8285715 $250,000.00 5.720% 4.6667% $11,666.67 8285805 $307,000.00 5.970% 0.5000% $1,535.00 8285833 $572,680.00 5.970% 0.5000% $2,863.40 8285849 $270,000.00 5.970% 0.5000% $1,350.00 8286215 $185,000.00 5.720% 4.6667% $8,633.33 8286393 $127,875.59 5.845% 2.5833% $3,303.45 8286553 $253,759.00 5.970% 0.5000% $1,268.80 8286973 $104,700.56 5.970% 0.5000% $523.50 8287433 $399,238.95 5.970% 0.5000% $1,996.19 8287461 $327,375.92 5.970% 0.5000% $1,636.88 8287469 $415,207.28 5.970% 0.5000% $2,076.04 8287513 $379,277.00 5.970% 0.5000% $1,896.39 8287517 $601,104.14 5.970% 0.5000% $3,005.52 8287527 $175,665.13 5.970% 0.5000% $878.33 8287575 $399,238.95 5.970% 0.5000% $1,996.19 8287689 $309,410.17 5.970% 0.5000% $1,547.05 8287709 $393,931.45 5.970% 0.5000% $1,969.66 8287723 $354,324.56 5.970% 0.5000% $1,771.62 8288097 $342,165.00 5.845% 2.5833% $8,839.26 8288299 $193,728.12 5.970% 0.5000% $968.64 8288301 $143,863.36 5.970% 0.5000% $719.32 8288503 $148,359.09 5.970% 0.5000% $741.80 8288521 $365,652.72 5.970% 0.5000% $1,828.26 8288553 $185,423.89 5.970% 0.5000% $927.12 8288583 $174,581.85 5.970% 0.5000% $872.91 8288607 $389,239.94 5.845% 2.5833% $10,055.37 Thursday, January 23, 2003 Page 3 of 7 8288897 $131,874.75 5.970% 0.5000% $659.37 8289017 $235,000.00 5.970% 0.5000% $1,175.00 8289035 $361,199.80 5.970% 0.5000% $1,806.00 8289055 $74,227.68 5.845% 2.5833% $1,917.55 8289103 $195,627.07 5.970% 0.5000% $978.14 8289133 $394,248.45 5.970% 0.5000% $1,971.24 8289139 $344,343.54 5.970% 0.5000% $1,721.72 8289149 $162,545.62 5.970% 0.5000% $812.73 8289251 $35,684.65 5.970% 0.5000% $178.42 8289261 $137,336.47 5.970% 0.5000% $686.68 8289327 $103,901.32 5.970% 0.5000% $519.51 8289339 $299,429.20 5.970% 0.5000% $1,497.15 8289943 $130,993.28 5.970% 0.5000% $654.97 8290013 $98,612.02 5.970% 0.5000% $493.06 8290137 $261,900.74 5.970% 0.5000% $1,309.50 8290309 $409,219.91 5.970% 0.5000% $2,046.10 8290379 $109,893.08 5.845% 2.5833% $2,838.90 8292335 $382,000.00 5.970% 0.5000% $1,910.00 8292441 $134,000.00 5.845% 2.5833% $3,461.67 8292513 $279,000.00 5.845% 2.5833% $7,207.50 8292547 $203,000.00 5.845% 2.5833% $5,244.17 8292581 $168,000.00 5.470% 8.8333% $14,840.00 8292617 $272,700.00 5.970% 0.5000% $1,363.50 8292661 $106,000.00 5.970% 0.5000% $530.00 8292709 $420,000.00 5.970% 0.5000% $2,100.00 8292879 $207,200.00 5.970% 0.5000% $1,036.00 8292941 $449,562.63 5.845% 2.5833% $11,613.70 8293193 $236,800.00 5.845% 2.5833% $6,117.33 8295133 $337,325.36 5.720% 4.6667% $15,741.85 8295135 $998,001.26 5.845% 2.5833% $25,781.70 8296007 $224,800.00 5.970% 0.5000% $1,124.00 8296033 $174,400.00 5.970% 0.5000% $872.00 8297051 $319,696.37 5.970% 0.5000% $1,598.48 8297135 $359,200.00 5.970% 0.5000% $1,796.00 8297399 $154,000.00 5.845% 2.5833% $3,978.33 8297423 $127,920.00 5.720% 4.6667% $5,969.60 8297629 $139,000.00 5.970% 0.5000% $695.00 8297979 $524,001.11 5.970% 0.5000% $2,620.01 8298185 $487,026.17 5.845% 2.5833% $12,581.51 8298595 $449,573.02 5.970% 0.5000% $2,247.87 8298685 $540,000.00 5.970% 0.5000% $2,700.00 8298783 $648,733.25 5.845% 2.5833% $16,758.94 8298969 $524,477.36 5.720% 4.6667% $24,475.61 8299031 $137,500.00 5.970% 0.5000% $687.50 8299945 $469,500.00 5.970% 0.5000% $2,347.50 8300663 $294,400.00 5.970% 0.5000% $1,472.00 8300767 $205,000.00 5.720% 4.6667% $9,566.67 8300905 $228,000.00 5.845% 2.5833% $5,890.00 8300923 $423,150.00 5.970% 0.5000% $2,115.75 8300939 $195,000.00 5.970% 0.5000% $975.00 8301011 $141,200.00 5.970% 0.5000% $706.00 8301061 $243,253.00 5.720% 4.6667% $11,351.81 8301171 $339,000.00 5.970% 0.5000% $1,695.00 8301255 $485,900.00 5.845% 2.5833% $12,552.42 8301545 $120,800.00 5.845% 2.5833% $3,120.67 8301981 $363,000.00 5.970% 0.5000% $1,815.00 8302029 $106,400.00 5.970% 0.5000% $532.00 Thursday, January 23, 2003 Page 4 of 7 8303559 $359,000.00 5.720% 4.6667% $16,753.33 8303627 $522,000.00 5.970% 0.5000% $2,610.00 8303773 $396,000.00 5.595% 6.7500% $26,730.00 8305421 $148,000.00 5.970% 0.5000% $740.00 8305535 $250,000.00 5.970% 0.5000% $1,250.00 8305565 $399,950.00 5.970% 0.5000% $1,999.75 8305627 $85,200.00 5.970% 0.5000% $426.00 8305739 $387,900.00 5.970% 0.5000% $1,939.50 8305955 $254,000.00 5.970% 0.5000% $1,270.00 8305965 $271,000.00 5.845% 2.5833% $7,000.83 8305981 $326,000.00 5.970% 0.5000% $1,630.00 8306001 $500,000.00 5.970% 0.5000% $2,500.00 8306011 $244,000.00 5.970% 0.5000% $1,220.00 8306057 $370,500.00 5.970% 0.5000% $1,852.50 8306143 $262,500.00 5.845% 2.5833% $6,781.25 8306173 $216,000.00 5.970% 0.5000% $1,080.00 8306415 $121,000.00 5.970% 0.5000% $605.00 8306849 $90,250.00 5.970% 0.5000% $451.25 8306951 $162,700.00 5.720% 4.6667% $7,592.67 8307639 $89,200.00 5.720% 4.6667% $4,162.67 8307803 $174,000.00 5.970% 0.5000% $870.00 8307877 $393,000.00 5.970% 0.5000% $1,965.00 8307905 $247,000.00 5.970% 0.5000% $1,235.00 8307915 $100,000.00 5.970% 0.5000% $500.00 8308023 $104,000.00 5.845% 2.5833% $2,686.67 8308353 $641,400.00 5.845% 2.5833% $16,569.50 8308383 $172,500.00 5.845% 2.5833% $4,456.25 8308525 $322,500.00 5.970% 0.5000% $1,612.50 8308583 $343,673.60 5.970% 0.5000% $1,718.37 8308965 $300,700.00 5.970% 0.5000% $1,503.50 8309769 $495,000.00 5.970% 0.5000% $2,475.00 8309823 $204,000.00 5.970% 0.5000% $1,020.00 8309901 $129,350.00 5.845% 2.5833% $3,341.54 8311177 $79,000.00 5.970% 0.5000% $395.00 8311457 $130,000.00 5.970% 0.5000% $650.00 8311483 $190,320.00 5.970% 0.5000% $951.60 8311571 $204,000.00 5.970% 0.5000% $1,020.00 8311875 $167,990.45 5.970% 0.5000% $839.95 8312731 $255,000.00 5.970% 0.5000% $1,275.00 8312773 $113,400.00 5.720% 4.6667% $5,292.00 8312805 $650,000.00 5.970% 0.5000% $3,250.00 8312817 $385,000.00 5.970% 0.5000% $1,925.00 8312825 $270,000.00 5.845% 2.5833% $6,975.00 8312833 $213,000.00 5.970% 0.5000% $1,065.00 8312845 $235,000.00 5.845% 2.5833% $6,070.83 8312877 $88,671.00 5.845% 2.5833% $2,290.67 8312883 $225,000.00 5.970% 0.5000% $1,125.00 8312973 $380,000.00 5.970% 0.5000% $1,900.00 8312989 $137,500.00 5.970% 0.5000% $687.50 8312997 $176,000.00 5.970% 0.5000% $880.00 8313097 $175,000.00 5.845% 2.5833% $4,520.83 8313221 $88,000.00 5.970% 0.5000% $440.00 8313563 $268,100.00 5.970% 0.5000% $1,340.50 8313969 $138,000.00 5.595% 6.7500% $9,315.00 8314705 $101,280.00 5.970% 0.5000% $506.40 8314735 $685,500.00 5.845% 2.5833% $17,708.75 8314751 $380,000.00 5.970% 0.5000% $1,900.00 Thursday, January 23, 2003 Page 5 of 7 8314771 $192,000.00 5.845% 2.5833% $4,960.00 8314791 $100,000.00 5.970% 0.5000% $500.00 8314823 $153,200.00 5.720% 4.6667% $7,149.33 8315617 $180,200.00 5.970% 0.5000% $901.00 8315821 $319,920.00 5.970% 0.5000% $1,599.60 8318259 $264,000.00 5.845% 2.5833% $6,820.00 8318265 $245,600.00 5.970% 0.5000% $1,228.00 8318269 $172,250.00 5.970% 0.5000% $861.25 8318831 $138,000.00 5.595% 6.7500% $9,315.00 8319501 $139,100.00 5.970% 0.5000% $695.50 8319543 $154,000.00 5.970% 0.5000% $770.00 8319583 $145,000.00 5.845% 2.5833% $3,745.83 8320597 $596,000.00 5.720% 4.6667% $27,813.33 8320611 $325,000.00 5.970% 0.5000% $1,625.00 8320639 $143,500.00 5.970% 0.5000% $717.50 8320641 $300,700.00 5.970% 0.5000% $1,503.50 8320749 $91,500.00 5.970% 0.5000% $457.50 8320775 $280,000.00 5.970% 0.5000% $1,400.00 8320901 $260,200.00 5.845% 2.5833% $6,721.83 8321273 $122,400.00 5.970% 0.5000% $612.00 8321277 $105,000.00 5.970% 0.5000% $525.00 8321619 $161,500.00 5.970% 0.5000% $807.50 8321639 $101,700.00 5.845% 2.5833% $2,627.25 8321743 $158,000.00 5.845% 2.5833% $4,081.67 8321781 $300,100.00 5.845% 2.5833% $7,752.58 8321827 $198,000.00 5.970% 0.5000% $990.00 8322649 $425,700.00 5.845% 2.5833% $10,997.25 8322659 $184,000.00 5.845% 2.5833% $4,753.33 8322679 $524,000.00 5.720% 4.6667% $24,453.33 8322731 $449,000.00 5.845% 2.5833% $11,599.17 8322757 $104,000.00 5.970% 0.5000% $520.00 8322819 $575,000.00 5.595% 6.7500% $38,812.50 8322921 $223,600.00 5.845% 2.5833% $5,776.33 8323365 $336,000.00 5.970% 0.5000% $1,680.00 8323933 $176,000.00 5.970% 0.5000% $880.00 8325535 $172,000.00 5.970% 0.5000% $860.00 8325689 $375,800.00 5.970% 0.5000% $1,879.00 8325763 $140,000.00 5.970% 0.5000% $700.00 8326459 $88,000.00 5.470% 8.8333% $7,773.33 8326475 $675,000.00 5.595% 6.7500% $45,562.50 8326477 $135,000.00 5.970% 0.5000% $675.00 8327775 $381,500.00 5.970% 0.5000% $1,907.50 8328143 $185,000.00 5.845% 2.5833% $4,779.17 8329265 $125,000.00 5.595% 6.7500% $8,437.50 8329653 $120,000.00 5.970% 0.5000% $600.00 8329671 $100,000.00 5.970% 0.5000% $500.00 8329695 $124,800.00 5.595% 6.7500% $8,424.00 8329705 $171,900.00 5.970% 0.5000% $859.50 8330135 $145,600.00 5.970% 0.5000% $728.00 8330331 $325,000.00 5.970% 0.5000% $1,625.00 8330931 $366,000.00 5.970% 0.5000% $1,830.00 8335709 $117,600.00 5.970% 0.5000% $588.00 8335743 $220,000.00 5.970% 0.5000% $1,100.00 8337253 $58,000.00 5.595% 6.7500% $3,915.00 8337745 $229,000.00 5.970% 0.5000% $1,145.00 8337747 $44,000.00 5.970% 0.5000% $220.00 8337913 $157,850.00 5.845% 2.5833% $4,077.79 Thursday, January 23, 2003 Page 6 of 7 8338618 $329,686.88 5.970% 0.5000% $1,648.43 8338785 $354,400.00 5.720% 4.6667% $16,538.67 8338903 $128,000.00 5.595% 6.7500% $8,640.00 8338907 $220,000.00 5.970% 0.5000% $1,100.00 8338969 $386,000.00 5.970% 0.5000% $1,930.00 8339003 $110,000.00 5.845% 2.5833% $2,841.67 8339012 $255,757.09 5.970% 0.5000% $1,278.79 8339493 $517,000.00 5.970% 0.5000% $2,585.00 8339505 $324,000.00 5.970% 0.5000% $1,620.00 8340164 $334,674.40 5.845% 2.5833% $8,645.76 8340435 $281,750.00 5.970% 0.5000% $1,408.75 8342172 $360,000.00 5.970% 0.5000% $1,800.00 8342347 $265,000.00 5.970% 0.5000% $1,325.00 8342605 $268,000.00 5.845% 2.5833% $6,923.33 8343977 $282,150.00 5.970% 0.5000% $1,410.75 8350493 $230,000.00 5.970% 0.5000% $1,150.00 8355045 $195,990.00 5.720% 4.6667% $9,146.20 Thursday, January 23, 2003 Page 7 of 7
EXHIBIT THREE INFORMATION TO BE INCLUDED IN MONTHLY DISTRIBUTION DATE STATEMENT (i) (a) the amount of such distribution to the Certificateholders of such Class applied to reduce the Certificate Principal Balance thereof, and (b) the aggregate amount included therein representing Principal Prepayments; (ii) the amount of such distribution to Holders of such Class of Certificates allocable to interest; (iii) if the distribution to the Holders of such Class of Certificates is less than the full amount that would be distributable to such Holders if there were sufficient funds available therefor, the amount of the shortfall; (iv) the amount of any Advance by the Master Servicer pursuant to Section 4.04; (v) the number and Pool Stated Principal Balance of the Mortgage Loans after giving effect to the distribution of principal on such Distribution Date; (vi) the aggregate Certificate Principal Balance of each Class of Certificates and each of the Senior Percentage and Subordinate Class Percentage, after giving effect to the amounts distributed on such Distribution Date, separately identifying any reduction thereof due to Realized Losses other than pursuant to an actual distribution of principal; (vii) the related Subordinate Principal Distribution Amount and Prepayment Distribution Percentage, if applicable; (viii) on the basis of the most recent reports furnished to it by Sub-Servicers, the number and aggregate principal balances of Mortgage Loans that are Delinquent (A) 30-59 days, (B) 60-89 days and (C) 90 or more days and the number and aggregate principal balance of Mortgage Loans that are in foreclosure; (ix) the number, aggregate principal balance and book value of any REO Properties; (x) the aggregate Accrued Certificate Interest remaining unpaid, if any, for each Class of Certificates, after giving effect to the distribution made on such Distribution Date; (xi) the Special Hazard Amount, Fraud Loss Amount and Bankruptcy Amount as of the close of business on such Distribution Date and a description of any change in the calculation of such amounts; (xii) the weighted average Pool Strip Rate for such Distribution Date and the Pass-Through Rate with respect to the Class A-V Certificates and each Subclass, if any, thereof; (xiii) the Pass-Through Rates on the Floater Certificates and Inverse Floater Certificates for such Distribution Date, separately identifying LIBOR for such Distribution Date; (xiv) the Notional Amount with respect to each class of Interest Only Certificates and each Subclass Notional Amount; (xv) the occurrence of the Credit Support Depletion Date and Accretion Termination Date; (xvi) the related Senior Accelerated Distribution Percentage applicable to such distribution; (xvii) the related Senior Percentage for such Distribution Date; (xviii) the aggregate amount of Realized Losses for such Distribution Date; (xix) the aggregate amount of any recoveries on previously foreclosed loans from Sellers due to a breach of a representation or warranty assigned to the Trustee pursuant to Section 2.04; (xx) the weighted average remaining term to maturity of the Mortgage Loans after giving effect to the amounts distributed on such Distribution Date; and (xxi) the weighted average Mortgage Rates of the Mortgage Loans after giving effect to the amounts distributed on such Distribution Date. (xxii) the Insured Payment for such Distribution Date, and the respective portions allocable to principal and interest for the Retail Certificates; (xxiii) the Reserve Fund I Withdrawal and Reserve Fund II Withdrawal for such Distribution Date; (xxiv) 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 AGGREGATE PLANNED PRINCIPAL BALANCES AND AGGREGATE TARGETED PRINCIPAL BALANCES
AGGREGATE PLANNED AGGREGATE TARGETED PRINCIPAL BALANCES FOR PRINCIPAL BALANCES FOR ----------------------- CLASS A-11 CERTIFICATES CLASS A-4 CERTIFICATES AND CLASS A-12 AND CLASS A-6 CERTIFICATES DISTRIBUTION DATE CERTIFICATES Initial Balance................. $114,998,000.00 $57,786,000.00 February 2003................... 113,467,221.70 57,765,338.68 March 2003...................... 111,947,332.80 57,744,578.36 April 2003...................... 110,438,340.70 57,626,282.76 May 2003........................ 108,940,170.40 57,192,519.97 June 2003....................... 107,452,747.00 56,573,705.10 July 2003....................... 105,975,996.50 55,773,739.85 August 2003 .................... 104,509,845.30 54,797,033.25 September 2003.................. 103,054,220.10 53,648,491.20 October 2003.................... 101,609,048.40 52,333,503.63 November 2003................... 100,174,258.10 50,857,929.05 December 2003................... 98,749,777.64 49,228,076.77 January 2004.................... 97,335,535.87 47,639,651.63 February 2004................... 95,931,462.22 46,091,855.89 March 2004...................... 94,537,486.56 44,583,905.73 April 2004...................... 93,153,539.29 43,115,031.11 May 2004........................ 91,779,551.28 41,684,475.43 June 2004....................... 90,415,453.87 40,291,495.41 July 2004....................... 89,061,178.91 38,935,360.78 August 2004 .................... 87,716,658.71 37,615,354.11 September 2004.................. 86,381,826.03 36,330,770.56 October 2004.................... 85,056,614.14 35,080,917.69 November 2004................... 83,740,956.76 33,865,115.25 December 2004................... 82,434,788.06 32,682,694.95 January 2005.................... 81,138,042.69 31,533,000.28 February 2005................... 79,850,655.75 30,415,386.31 March 2005...................... 78,572,562.79 29,329,219.47 April 2005...................... 77,303,699.82 28,273,877.39 May 2005........................ 76,044,003.29 27,248,748.68 June 2005....................... 74,793,410.09 26,253,232.77 July 2005....................... 73,551,857.56 25,286,739.69 August 2005 .................... 72,319,283.48 24,348,689.94 September 2005.................. 71,095,626.06 23,438,514.28 October 2005.................... 69,880,823.95 22,555,653.54 November 2005................... 68,674,816.21 21,699,558.50 December 2005................... 67,477,542.36 20,869,689.66 January 2006.................... 66,288,942.30 20,065,517.13 February 2006................... 65,118,556.76 19,286,520.43 March 2006...................... 63,956,726.13 18,532,188.33 April 2006...................... 62,803,391.59 17,802,018.73 May 2006........................ 61,658,494.73 17,095,518.46 June 2006....................... 60,521,977.55 16,412,203.15 July 2006....................... 59,393,782.45 15,751,597.06 August 2006 .................... 58,273,852.24 15,113,232.99 September 2006.................. 57,162,130.14 14,496,652.04 October 2006.................... 56,058,559.75 13,901,403.56 November 2006................... 54,963,085.07 13,327,044.96 December 2006................... 53,875,650.51 12,773,141.58 January 2007.................... 52,796,200.85 12,239,266.55 February 2007................... $51,724,681.26 $11,725,000.67 March 2007...................... 50,661,037.30 11,229,932.29 April 2007...................... 49,605,214.91 10,753,657.12 May 2007........................ 48,557,160.41 10,295,778.21 June 2007....................... 47,516,820.51 9,855,905.69 July 2007....................... 46,484,142.26 9,433,656.79 August 2007..................... 45,459,073.12 9,028,655.60 September 2007.................. 44,441,560.90 8,640,533.02 October 2007.................... 43,431,553.76 8,268,926.63 November 2007................... 42,429,000.27 7,913,480.56 December 2007................... 41,433,849.31 7,573,845.40 January 2008.................... 40,446,050.16 7,249,678.05 February 2008................... 39,485,713.02 6,968,234.87 March 2008...................... 38,532,531.40 6,701,325.12 April 2008...................... 37,586,455.44 6,448,625.33 May 2008........................ 36,647,435.63 6,209,817.91 June 2008....................... 35,715,422.80 5,984,591.09 July 2008....................... 34,790,368.11 5,772,638.82 August 2008..................... 33,872,223.07 5,573,660.62 September 2008.................. 32,960,939.54 5,387,361.56 October 2008.................... 32,056,469.70 5,213,452.08 November 2008................... 31,158,766.06 5,051,647.97 December 2008................... 30,267,781.48 4,901,670.24 January 2009.................... 29,383,469.12 4,763,245.04 February 2009................... 28,527,670.91 4,628,969.46 March 2009...................... 27,689,541.54 4,494,412.38 April 2009...................... 26,868,737.40 4,359,614.44 May 2009........................ 26,064,921.41 4,224,614.85 June 2009....................... 25,277,762.90 4,089,451.45 July 2009....................... 24,506,937.47 3,954,160.70 August 2009..................... 23,752,126.92 3,818,777.73 September 2009.................. 23,013,019.06 3,683,336.40 October 2009.................... 22,289,307.67 3,547,869.31 November 2009................... 21,580,692.35 3,412,407.84 December 2009................... 20,886,878.41 3,276,982.18 January 2010.................... 20,207,576.79 3,141,621.38 February 2010................... 19,572,071.52 3,003,562.15 March 2010...................... 18,949,879.32 2,865,736.73 April 2010...................... 18,340,736.75 2,728,168.30 May 2010........................ 17,744,385.44 2,590,879.04 June 2010....................... 17,160,572.03 2,453,890.16 July 2010....................... 16,589,048.03 2,317,221.95 August 2010..................... 16,029,569.73 2,180,893.76 September 2010.................. 15,481,898.16 2,044,924.09 October 2010.................... 14,945,798.95 1,909,330.54 November 2010................... 14,421,042.23 1,774,129.90 December 2010................... 13,907,402.62 1,639,338.13 January 2011.................... 13,404,659.05 1,504,970.42 February 2011................... 12,937,963.33 1,368,986.85 March 2011...................... 12,480,993.57 1,233,581.28 April 2011...................... 12,033,556.70 1,098,762.62 May 2011........................ 11,595,463.38 964,539.21 June 2011....................... 11,166,527.97 830,918.78 July 2011....................... 10,746,568.42 697,908.48 August 2011..................... $10,335,406.27 $565,514.94 September 2011.................. 9,932,866.49 433,744.23 October 2011.................... 9,538,777.49 302,601.89 November 2011................... 9,152,971.02 172,092.98 December 2011................... 8,775,282.09 42,222.08 January 2012.................... 8,405,548.96 0 February 2012................... 8,064,388.24 0 March 2012...................... 7,730,103.32 0 April 2012...................... 7,402,562.15 0 May 2012........................ 7,081,635.17 0 June 2012....................... 6,767,195.27 0 July 2012....................... 6,459,117.77 0 August 2012..................... 6,157,280.33 0 September 2012.................. 5,861,562.94 0 October 2012.................... 5,571,847.88 0 November 2012................... 5,288,019.65 0 December 2012................... 5,009,964.93 0 January 2013.................... 4,737,572.59 0 February 2013................... 4,470,733.56 0 March 2013...................... 4,209,340.89 0 April 2013...................... 3,953,289.62 0 May 2013........................ 3,702,476.80 0 June 2013....................... 3,456,801.45 0 July 2013....................... 3,216,164.49 0 August 2013..................... 2,980,468.72 0 September 2013.................. 2,749,618.80 0 October 2013.................... 2,523,521.21 0 November 2013................... 2,302,084.18 0 December 2013................... 2,085,217.72 0 January 2014.................... 1,872,833.52 0 February 2014................... 1,664,844.97 0 March 2014...................... 1,461,167.11 0 April 2014...................... 1,261,716.58 0 May 2014........................ 1,066,411.61 0 June 2014....................... 875,172.02 0 July 2014....................... 687,919.11 0 August 2014..................... 504,575.70 0 September 2014.................. 325,066.09 0 October 2014.................... 149,316.02 0 November 2014 and thereafter.... 0 0
EXHIBIT SIX CERTIFICATE POLICY OF MBIA INSURANCE CORPORATION [on file] EXHIBIT SEVEN 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 EIGHT [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 [_________], 2003 (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:___________________