EX-10.1 3 qs4ss.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 MARCH 1, 2003, TO STANDARD TERMS OF POOLING AND SERVICING AGREEMENT dated as of March 1, 2003 Mortgage Asset-Backed Pass-Through Certificates Series 2003-QS4 ================================================================================
Article I DEFINITIONS....................................................................5 Section 1.01. Definitions..........................................................5 Section 1.02. Use of Words and Phrases............................................16 Section 1.03. Determination of LIBOR..............................................16 Article II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES...........................................................18 Section 2.01. Conveyance of Mortgage Loans. (See Section 2.01 of the Standard Terms).............................................................................18 Section 2.02. Acceptance by Trustee. (See Section 2.02 of the Standard Terms)...18 Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Company....................................................18 Section 2.04.Representations and Warranties of Sellers. (See Section 2.04 of the Standard Terms) 21 Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates Evidencing Interests in REMIC I Certificates.......................................21 Section 2.06.Conveyance of Uncertificated REMIC I and REMIC II Regular Interests; Acceptance by the Trustee .........................................................21 Section 2.07. Issuance of Certificates Evidencing Interest in REMIC II.............21 Section 2.08.Purposes and Powers of the Trust (See Section 2.08 of the Standard Terms).............................................................................21 Article III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS................................22 Article IV PAYMENTS TO CERTIFICATEHOLDERS.................................................23 Section 4.01. Certificate Account. (See Section 4.01 of the Standard Terms).......23 Section 4.02. Distributions. ......................................................23 Section 4.03. Statements to Certificateholders; Exchange Act Reporting (See Section 4.04 of the Standard Terms)........................................................30 Section 4.04. Distribution of Reports to the Trustee and the Company; Advances by the Master Servicer (See Section 4.04 of the Standard Terms)...........................32 Section 4.05. Allocation of Realized Losses. ......................................32 Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property. (See Section 4.06 of the Standard Terms)................................................33 Section 4.07. Optional Purchase of Defaulted Mortgage Loans. (See Section 4.07 of the Standard Terms)................................................................33 Section 4.08. Surety Bond. (See Section 4.08 of the Standard Terms)................33 i Article V THE CERTIFICATES................................................................34 Article VI THE COMPANY AND THE MASTER SERVICER..........................................35 Article VII DEFAULT......................................................................36 Article VIII CONCERNING THE TRUSTEE.......................................................37 Article IX TERMINATION..................................................................38 Article X REMIC PROVISIONS............................................................39 Section 10.01. REMIC Administration. (See Section 10.01 of the Standard Terms)....39 Section 10.02.Master Servicer; REMIC Administrator and Trustee Indemnification. (See Section 10.02 of the Standard Terms).............................................................................39 Section 10.03. Designation of REMICs...............................................39 Section 10.04. Distributions on the Uncertificated REMIC I and REMIC II Regular Interests..........................................................................39 Section 10.05. Compliance with Withholding Requirements............................41 Article XI MISCELLANEOUS PROVISIONS......................................................42 Section 11.01. Amendment. (See Section 11.01 of the Standard Terms)...............42 Section 11.02. Recordation of Agreement; Counterparts. (See Section 11.02 of the Standard Terms)....................................................................42 Section 11.03. Limitation on Rights of Certificateholders. (See Section 11.03 of the Standard Terms)....................................................................42 Section 11.04. Governing Laws. (See Section 11.04 of the Standard Terms)..........42 Section 11.05. Notices.............................................................42 Section 11.06. Required Notices to Rating Agency and Subservicer. (See Section 11.06 of the Standard Terms).............................................................43 Section 11.07. Severability of Provisions. (See Section 11.07 of the Standard Terms)43 Section 11.08. Supplemental Provisions for Resecuritization. (See Section 11.08 of the Standard Terms)................................................................43 Section 11.09. Allocation of Voting Rights.........................................43 Section 11.10. No Petition.........................................................43
ii EXHIBITS Exhibit One: Mortgage Loan Schedule Exhibit Two: Schedule of Discount Fractions Exhibit Three: Information to be Included in Monthly Distribution Date Statement Exhibit Four: Standard Terms of Pooling and Servicing Agreement Dated as of March 1, 2003 iii This is a Series Supplement, dated as of March 1, 2003 (the "Series Supplement"), to the Standard Terms of Pooling and Servicing Agreement, dated as of March 1, 2003 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), 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 PASS-THROUGH PRINCIPAL MATURITY STANDARD & MINIMUM DESIGNATION RATE BALANCE FEATURES1 DATE POOR'S/FITCH DENOMINATIONS2 Class A-1 4.25% $50,000,000.00 Senior/Fixed Rate March 25, 2033 AAA/AAA $25,000.00 Class A-2 4.50% $287,214,000.00 Senior/Fixed Rate March 25, 2033 AAA/AAA $25,000.00 Class A-3 5.175% $16,521,000.00 Senior/Fixed Rate March 25, 2033 AAA/AAA $25,000.00 Class A-4 Adjustable $72,216,000.00 Senior/Floater/Adjustab March 25, 2033 AAA/AAA $25,000.00 Rate3 Rate Class A-5 Adjustable $0.004 Senior/Inverse March 25, 2033 AAA/AAA $2,000,000.00 Rate3 Floater/Interest Only/Adjustable Rate Class A-6 6.00% $0.005 Senior/Interest March 25, 2033 AAA/AAA $2,000,000.00 Only/ Fixed Strip 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 Rates: Initial Formula Maximum Minimum -------------------- ---------- ---------------- --------------- ----------- -------------------- ---------- ---------------- --------------- ----------- Class A-4 1.70% LIBOR + 0.43% 8.50% 0.43% -------------------- ---------- ---------------- --------------- ----------- -------------------- ---------- ---------------- --------------- ----------- Class A-5 6.80% 8.07% - LIBOR 8.07% 0.00% 4 The Class A-5 Certificates do not have a principal balance. For the purpose of calculating interest payments, interest on the Class A-5 Certificates will accrue on a notional amount equal to the Certificate Principal Balance of the Class A-4 Certificates. 5 The Class A-6 Certificates do not have a principal balance. For the purpose of calculating interest payments, interest on the Class A-6 Certificates will accrue on a notional amount equal to the product of 13.75% multiplied by the aggregate Certificate Principal Balance of the Class A-1 Certificates through Class A-4 Certificates. 6 The initial Pass-Through Rate on the Class A-V Certificates is 0.2355%. 7 The Class A-V Certificates shall be issuable in minimum denominations of not less than a 20% Percentage Interest. 8 Each Class of the Class R Certificates shall be issuable in minimum denominations of not less than a 20% Percentage Interest; provided, however, that one Class R Certificate of each Class will be issuable to Residential Funding as "tax matters person" pursuant to Section 10.01(c) and (e) in a minimum denomination representing a Percentage Interest of not less than 0.01%. 2 AGGREGATE INITIAL CERTIFICATE PASS-THROUGH PRINCIPAL MATURITY STANDARD & MINIMUM DESIGNATION RATE BALANCE FEATURES1 DATE POOR'S/FITCH DENOMINATIONS2 Class A-P 0.00% $4,374,710.97 Senior/Principal March 25, 2033 AAA/AAA $25,000.00 Only Class A-V Variable $0.00 Senior/Interest March 25, 2033 AAA/AAA 7 Rate6 Only/Variable Rate Class R-I 6.00% $100.00 Senior/Residual March 25, 2033 AAA/AAA 8 Class R-II 6.00% $100.00 Senior/Residual March 25, 2033 AAA/AAA 8 Class M-1 6.00% $10,165,200.00 Mezzanine March 25, 2033 AA/NA $25,000.00 Class M-2 6.00% $4,517,800.00 Mezzanine March 25, 2033 A/NA $250,000.00 Class M-3 6.00% $2,710,700.00 Mezzanine March 25, 2033 BBB/NA $250,000.00 Class B-1 6.00% $1,355,400.00 Subordinate March 25, 2033 BB/NA $250,000.00 Class B-2 6.00% $1,355,400.00 Subordinate March 25, 2033 B/NA $250,000.00 Class B-3 6.00% $1,355,442.73 Subordinate March 25, 2033 NA/NA $250,000.00
The Mortgage Loans have an aggregate principal balance as of the Cut-off Date of $451,785,853.70. 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. Adjustable Rate Certificates: Any of the Class A-4 or Class A-5 Certificates. Bankruptcy Amount: As of any date of determination prior to the first anniversary of the Cut-off Date, an amount equal to the excess, if any, of (A) $146,337 over (B) the aggregate amount of Bankruptcy Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 of this Series Supplement. As of any date of determination on or after the first anniversary of the Cut-off Date, an amount equal to the excess, if any, of (1) the lesser of (a) the Bankruptcy Amount calculated as of the close of business on the Business Day immediately preceding the most recent anniversary of the Cut-off Date coinciding with or preceding such date of determination (or, if such date of determination is an anniversary of the Cut-off Date, the Business Day immediately preceding such date of determination) (for purposes of this definition, the "Relevant Anniversary") and (b) the greater of (A) the greater of (i) 0.0006 times the aggregate principal balance of all the Mortgage Loans in the Mortgage Pool as of the Relevant Anniversary having a Loan-to-Value Ratio (other than Additional Collateral Loans) at origination which exceeds 75% and (ii) $100,000; and (B) the greater of (i) the product of (x) an amount equal to the largest difference in the related Monthly Payment for any Non-Primary Residence Loan remaining in the Mortgage Pool (other than Additional Collateral Loans) which had an original Loan-to-Value Ratio of 80% or greater that would result if the Net Mortgage Rate thereof was equal to the weighted average (based on the principal balance of the Mortgage Loans as of the Relevant Anniversary) of the Net Mortgage Rates of all Mortgage Loans as of the Relevant Anniversary less 1.25% per annum, (y) a number equal to the weighted average remaining term to maturity, in months, of all Non-Primary Residence Loans remaining in the Mortgage Pool as of the Relevant Anniversary, and (z) one plus the quotient of the number of all Non-Primary Residence Loans remaining in the Mortgage Pool divided by the total number of Outstanding Mortgage Loans in the Mortgage Pool as of the Relevant Anniversary, and (ii) $50,000, over (2) the aggregate amount of Bankruptcy Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 since the Relevant Anniversary. 4 The Bankruptcy Amount may be further reduced by the Master Servicer (including accelerating the manner in which such coverage is reduced) provided that prior to any such reduction, the Master Servicer shall (i) obtain written confirmation from each Rating Agency that such reduction shall not reduce the rating assigned to any Class of Certificates by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency and (ii) provide a copy of such written confirmation to the Trustee. Certificate: Any Class A, Class M, Class B or Class R Certificate. Certificate Account: The separate account or accounts created and maintained pursuant to Section 4.01 of the Standard Terms, which shall be entitled "Deutsche Bank Trust Company Americas, as trustee, in trust for the registered holders of Residential Accredit Loans, Inc., Mortgage Asset-Backed Pass-Through Certificates, Series 2003-QS4" and which must be an Eligible Account. Certificate Policy: None. Class A Certificate: Any one of the Class A-1, Class A-2, Class A-3, Class A-4, Class A-5, Class A-6, Class A-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: March 28, 2003. 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-QS4. Cut-off Date: March 1, 2003. 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. 5 Due Period: With respect to each Distribution Date, the calendar month in which such Distribution Date occurs. Eligible Funds: On any Distribution Date, the portion, if any, of the Available Distribution Amount remaining after reduction by the sum of (i) the aggregate amount of Accrued Certificate Interest on the Senior Certificates, (ii) the Senior Principal Distribution Amount (determined without regard to Section 4.02(a)(ii)(Y)(D) hereof), (iii) the Class A-P Principal Distribution Amount (determined without regard to Section 4.02(b)(i)(E) hereof) and (iv) the aggregate amount of Accrued Certificate Interest on the Class M, Class B-1 and Class B-2 Certificates. Floater Certificates: Any one of the Class A-4 Certificates. Fraud Loss Amount: As of any date of determination after the Cut-off Date, an amount equal to: (X) prior to the first anniversary of the Cut-off Date an amount equal to 2.00% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the Cut-off Date minus the aggregate amount of Fraud Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 of this Series Supplement since the Cut-off Date up to such date of determination and (Y) from the first to, but not including, the fifth anniversary of the Cut-off Date, an amount equal to (1) the lesser of (a) the Fraud Loss Amount as of the most recent anniversary of the Cut-off Date and (b) 1.00% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the most recent anniversary of the Cut-off Date minus (2) the aggregate amount of Fraud Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 since the most recent anniversary of the Cut-off Date up to such date of determination. On and after the fifth anniversary of the Cut-off Date, the Fraud Loss Amount shall be zero. The Fraud Loss Amount may be further reduced by the Master Servicer (including accelerating the manner in which such coverage is reduced) provided that prior to any such reduction, the Master Servicer shall (i) obtain written confirmation from each Rating Agency that such reduction shall not reduce the rating assigned to any Class of Certificates by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency and (ii) provide a copy of such written confirmation to the Trustee. Initial Monthly Payment Fund: $246,788, representing scheduled principal amortization and interest at the Net Mortgage Rate payable during the April 2003 Due Period, 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, $72,216,000. With respect to the Class A-6 Certificates, $58,568,263. 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 6 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: 2.25% Class B-1: 0.30% Class M-2: 1.00% Class B-2: 0.30% Class M-3: 0.60% Class B-3: 0.30% 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-6 or Class A-V Certificates. The Interest Only Certificates will have no Certificate Principal Balance. Inverse Floater Certificates: Any one of the Class A-5 Certificates. Maturity Date: March 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"); 7 (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 such date, (ii) with respect to the Class A-6 Certificates, an amount equal to the product of 13.75% multiplied by the aggregate Certificate Principal Balance of the Class A-1 Certificates through Class A-4 Certificates immediately prior to such date and (iii) with respect to any Class A-V Certificates or Subclass thereof issued pursuant to Section 5.01(c), the aggregate Stated Principal Balance of the Mortgage Loans corresponding to the Uncertificated REMIC I Regular Interests Z represented by such Class or Subclass immediately prior to such date. 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. o With respect to the Floater Certificates and the initial Interest Accrual Period, 1.70% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to LIBOR plus 0.43%, subject to a maximum rate of 8.50% per annum and a minimum rate of 0.43% per annum. o With respect to the Inverse Floater Certificates and the initial Interest Accrual Period, 6.80% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 8.07% minus LIBOR, subject to a maximum rate of 8.07% 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 0.2355% 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 8 percentage, of the Pool Strip Rates of all Mortgage Loans corresponding to the Uncertificated REMIC I Regular Interests Z represented by such Subclass as of the Due Date in the related Due Period, weighted on the basis of the respective Stated Principal Balances of such Mortgage Loans as of the day immediately preceding such Distribution Date (or with respect to the initial Distribution Date, at the close of business on the Cut-off Date). The Principal Only Certificates have no Pass-Through Rate and are not entitled to Accrued Certificate Interest. Prepayment Assumption: The prepayment assumption to be used for determining the accrual of original issue discount and premium and market discount on the Certificates for federal income tax purposes, which assumes a constant prepayment rate of 10.0% per annum of the then outstanding principal balance of the related Mortgage Loans in the first month of the life of such Mortgage Loans and an additional approximately 0.909091% 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 20.0% 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 April 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 9 (such percentage as recalculated, the "Recalculated Percentage"); (c) the total amount of the reductions in the Prepayment Distribution Percentages of the Maturing Class or Classes pursuant to clause (a) of this sentence, expressed as an aggregate percentage, shall be allocated among the Non-Maturing Classes in proportion to their respective Recalculated Percentages (the portion of such aggregate reduction so allocated to any Non-Maturing Class, the "Adjustment Percentage"); and (d) for purposes of such Distribution Date, the Prepayment Distribution Percentage of each Non-Maturing Class shall be equal to the sum of (1) the Prepayment Distribution Percentage thereof, calculated in accordance with the provisions in paragraph (ii) above as if the Certificate Principal Balance of each Maturing Class had not been reduced to zero, plus (2) the related Adjustment Percentage. Principal Only Certificates: Any one of the Class A-P Certificates. 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. 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 (other than Monthly Payments due in the month of the Cut-off Date) as shall be on deposit in the Custodial Account or in the Certificate Account and identified as belonging to the Trust Fund, including the proceeds from the liquidation of Additional Collateral for any Additional Collateral Loan, but not including amounts on deposit in the Initial Monthly Payment Fund, (iii) property which secured a Mortgage Loan and which has been acquired for the benefit of the Certificateholders by foreclosure or deed in lieu of foreclosure, (iv) the hazard insurance policies and Primary Insurance Policies, if any, the Pledged Assets with respect to each 10 Pledged Asset Mortgage Loan, and the interest in the Surety Bond transferred to the Trustee pursuant to Section 2.01 herein, and (v) all proceeds of clauses (i) through (iv) above. REMIC I Certificates: The Class R-I Certificates. REMIC II: The segregated pool of assets consisting of the Uncertificated REMIC I Regular Interests conveyed in trust to the Trustee for the benefit of the holders of each Class of Certificates (other than the Class R-I Certificates) pursuant to Section 2.06, with respect to which a separate REMIC election is to be made. REMIC II Certificates: Any Class of Certificates (other than the Class R-I Certificates). Senior Certificate: Any one of the Class A Certificates or Class R Certificates, executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit A and Exhibit D. Senior Percentage: As of any Distribution Date, the lesser of 100% and a fraction, expressed as a percentage, the numerator of which is the aggregate Certificate Principal Balance of the Senior Certificates (other than the Class A-P Certificates) immediately prior to such Distribution Date and the denominator of which is the aggregate Stated Principal Balance of all of the Mortgage Loans (or related REO Properties) (other than the related Discount Fraction of each Discount Mortgage Loan) immediately prior to such Distribution Date. Senior Principal Distribution Amount: As to any Distribution Date before the Credit Support Depletion Date, the lesser of (a) the balance of the Available Distribution Amount remaining after the distribution of all amounts required to be distributed pursuant to Section 4.02(a)(i) and Section 4.02(a)(ii)(X) of this Series Supplement and (b) the sum of the amounts required to be distributed to the Senior Certificateholders on such Distribution Date pursuant to Sections 4.02(a)(ii)(Y), 4.02(a)(xvi) and 4.02(a)(xvii) of this Series Supplement. As to any Distribution Date on or after the Credit Support Depletion Date, the lesser of (a) the balance of the Available Distribution Amount remaining after the distribution of (i) all amounts required to be distributed pursuant to Section 4.02(a)(i) and (ii) the amount required to be distributed to the Class A-P Certificateholders pursuant to Section 4.02(c) of this Series Supplement, and (b) the sum of the amounts required to be distributed to the Senior Certificateholders on such Distribution Date pursuant to Sections 4.02(a)(ii)(Y), 4.02(a)(xvi) and 4.02(a)(xvii) of this Series Supplement. Special Hazard Amount: As of any Distribution Date, an amount equal to $4,517,859 minus the sum of (i) the aggregate amount of Special Hazard Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 of this Series Supplement and (ii) the Adjustment Amount (as defined below) as most recently calculated. For each anniversary of the Cut-off Date, the Adjustment Amount shall be equal to the amount, if any, by which the amount calculated in accordance with the preceding sentence (without giving effect to the deduction of the Adjustment Amount for such anniversary) exceeds the greater of (A) the greatest of (i) twice the outstanding principal balance of the Mortgage Loan in the Trust Fund which has the largest outstanding principal balance on the Distribution Date immediately preceding such anniversary, (ii) the product of 1.00% multiplied by the outstanding principal balance of all Mortgage Loans on the Distribution Date immediately preceding 11 such anniversary and (iii) the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of the Mortgage Loans in any single five-digit California zip code area with the largest amount of Mortgage Loans by aggregate principal balance as of such anniversary and (B) the greater of (i) the product of 0.50% multiplied by the outstanding principal balance of all Mortgage Loans on the Distribution Date immediately preceding such anniversary multiplied by a fraction, the numerator of which is equal to the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of all of the Mortgage Loans secured by Mortgaged Properties located in the State of California divided by the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of all of the Mortgage Loans, expressed as a percentage, and the denominator of which is equal to 36.7% (which percentage is equal to the percentage of Mortgage Loans by aggregate principal balance initially secured by Mortgaged Properties located in the State of California) and (ii) the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of the largest Mortgage Loan secured by a Mortgaged Property (or, with respect to a Cooperative Loan, the related Cooperative Apartment) located in the State of California. The Special Hazard Amount may be further reduced by the Master Servicer (including accelerating the manner in which coverage is reduced) provided that prior to any such reduction, the Master Servicer shall (i) obtain written confirmation from each Rating Agency that such reduction shall not reduce the rating assigned to any Class of Certificates by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency and (ii) provide a copy of such written confirmation to the Trustee. Subordinate Principal Distribution Amount: With respect to any Distribution Date and each Class of Subordinate Certificates, (a) the sum of (i) the product of (x) the related Subordinate Class Percentage for such Class and (y) the aggregate of the amounts calculated (without giving effect to the related Senior Percentages) for such Distribution Date under clauses (1), (2) and (3) of Section 4.02(a)(ii)(Y)(A); (ii) such Class's pro rata share, based on the Certificate Principal Balance of each Class of Subordinate Certificates then 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) the sum of (i) with respect to the Class of Subordinate Certificates with the Lowest Priority, any Excess Subordinate Principal Amount for such Distribution Date, and (ii) the Capitalization Reimbursement Amount for such distribution date, other than the 12 related Discount Fraction of any portion of that amount related to each Discount Mortgage Loan, multiplied by a fraction, the numerator of which is the Subordinate Principal Distribution Amount for such Class of Subordinate Certificates, without giving effect to this clause (b)(ii), and the denominator of which is the sum of the principal distribution amounts for all Classes of Certificates other than the Class A-P Certificates, without giving effect to any reductions for the Capitalization Reimbursement Amount. Uncertificated Accrued Interest: With respect to each Distribution Date, (i) as to each Uncertificated REMIC I Regular Interest other than each Uncertificated REMIC I Regular Interest Z, an amount equal to the aggregate amount of Accrued Certificate Interest that would result under the terms of the definition thereof on the Related Classes of Certificates if the Pass-Through Rate on such Classes were equal to the Uncertificated Pass-Through Rate on such Uncertificated REMIC I Regular Interest, (ii) as to each Uncertificated REMIC I Regular Interest Z and each Uncertificated REMIC II Regular Interest Z, an amount equal to one month's interest at the Pool Strip Rate of the related Mortgage Loan on the principal balance of such Mortgage Loan reduced by such Interest's pro-rata share of any prepayment interest shortfalls or other reductions of interest allocable to the Class A-V Certificates. Uncertificated Pass-Through Rate: With respect to each of the Uncertificated REMIC I Regular Interests 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: 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. 13 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 ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- T Class A-1, Class A-6 5.075% $50,000,000.00 ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- U Class A-2, Class A-6 5.325% $287,214,000.00 ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- V Class A-3, Class A-6 6.00% $16,521,000.00 ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- W Class A-4, Class A-5, Class A-6 9.325% $ 72,216,000.00 ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- X Class A-P 0.00% $4,374,710.97 ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- Y Class R-II, 6.00% $21,460,042.73 Class M-1, Class M-2, Class M-3, Class B-1, Class B-2, Class B-3 ----------------------- --------------------------------- ------------------- -------------------
Uncertificated REMIC I Regular Interests Z: Each of the 2,335 uncertificated partial undivided beneficial ownership interests in the Trust Fund, numbered sequentially from 1 to 2,335, each relating to the particular Mortgage Loan identified by such sequential number on the Mortgage Loan Schedule, each having no principal balance, and each bearing interest at the respective Pool Strip Rate on the Stated Principal Balance of the related Mortgage Loan. Uncertificated REMIC I Regular Interests Z Distribution Amount: With respect to any Distribution Date, the sum of the amounts deemed to be distributed on the Uncertificated REMIC I Regular Interests Z for such Distribution Date pursuant to Section 10.04(a). Uncertificated REMIC I Regular Interest Distribution Amounts: With respect to each Uncertificated REMIC I Regular Interest, other than the Uncertificated REMIC I Regular Interests Z, the amount specified as the Uncertificated REMIC I Regular Interest Distribution Amount with respect thereto in the definition of Uncertificated REMIC I Regular Interests. With respect to the Uncertificated REMIC I Regular Interests Z, the Uncertificated REMIC I Regular Interests Z Distribution Amount. Uncertificated REMIC II Regular Interests Z: Each of the 2,335 uncertificated partial undivided beneficial ownership interests in REMIC II numbered sequentially from 1 through 2,335 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). 14 Underwriters: Greenwich Capital Markets, Inc. and Salomon Smith Barney Inc. Section 1.02. Use of Words and Phrases. "Herein," "hereby," "hereunder," "hereof," "hereinbefore," "hereinafter" and other equivalent words refer to the Pooling and Servicing Agreement as a whole. All references herein to Articles, Sections or Subsections shall mean the corresponding Articles, Sections and Subsections in the Pooling and Servicing Agreement. The definitions set forth herein include both the singular and the plural. 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 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, 1.27% per annum; provided, however, if, under the priorities described above, LIBOR for a Distribution Date would be based on LIBOR for the previous Distribution Date for the third consecutive Distribution Date, the Trustee shall, after consultation with the Master Servicer, select an alternative comparable index (over which the Trustee 15 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. 16 ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES Section 2.01. Conveyance of Mortgage Loans. (See Section 2.01 of the Standard Terms) Section 2.02. Acceptance by Trustee. (See Section 2.02 of the Standard Terms) Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Company. (a) For representations, warranties and covenants of the Master Servicer, see Section 2.03(a) of the Standard Terms. (b) The Company hereby represents and warrants to the Trustee for the benefit of Certificateholders that as of the Closing Date (or, if otherwise specified below, as of the date so specified): (i) No Mortgage Loan is 30 or more days Delinquent in payment of principal and interest as of the Cut-off Date and no Mortgage Loan has been so Delinquent more than once in the 12-month period prior to the Cut-off Date; (ii) The information set forth in Exhibit One hereto with respect to each Mortgage Loan or the Mortgage Loans, as the case may be, is true and correct in all material respects at the date or dates respecting which such information is furnished; (iii) The Mortgage Loans are fully-amortizing, fixed-rate mortgage loans with level Monthly Payments due, with respect to a majority of the Mortgage Loans, on the first day of each month, and terms to maturity at origination or modification of not more than 30 years; (iv) To the best of the Company's knowledge, except with respect to 13 Mortgage Loans representing approximately 0.4% 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; 17 (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 0.5% 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 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 50.14% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a reduced loan documentation program, approximately 11.11% 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 2.04% 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 26.65% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date, the Mortgagor represented in its loan application with respect to the related Mortgage Loan that the Mortgaged Property would be owner-occupied; (xi) None of the Mortgage Loans is a Buy-Down Mortgage Loan; (xii) Each Mortgage Loan constitutes a qualified mortgage under Section 860G(a)(3)(A) of the Code and Treasury Regulations Section 1.860G-2(a)(1); (xiii) A policy of title insurance was effective as of the closing of each Mortgage Loan and is valid and binding and remains in full force and effect, unless the Mortgaged Properties are located in the State of Iowa and an attorney's certificate has been provided as described in the Program Guide; (xiv) None of the Mortgage Loans is a Cooperative Loan; with respect to a Mortgage Loan that is a Cooperative Loan, the Cooperative Stock that is pledged as security for the Mortgage Loan is held by a person as a tenant-stockholder (as defined in Section 216 of the Code) in a cooperative housing corporation (as defined in Section 216 of the Code); 18 (xv) With respect to each Mortgage Loan originated under a "streamlined" Mortgage Loan program (through which no new or updated appraisals of Mortgaged Properties are obtained in connection with the refinancing thereof), the related Seller has represented that either (a) the value of the related Mortgaged Property as of the date the Mortgage Loan was originated was not less than the appraised value of such property at the time of origination of the refinanced Mortgage Loan or (b) the Loan-to-Value Ratio of the Mortgage Loan as of the date of origination of the Mortgage Loan generally meets the Company's underwriting guidelines; (xvi) Interest on each Mortgage Loan is calculated on the basis of a 360-day year consisting of twelve 30-day months; (xvii) None of the Mortgage Loans contain in the related Mortgage File a Destroyed Mortgage Note; (xviii) None of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date will have been made to International Borrowers, and no such Mortgagor is a member of a foreign diplomatic mission with diplomatic rank; (xix) No Mortgage Loan provides for payments that are subject to reduction by withholding taxes levied by any foreign (non-United States) sovereign government; and (xx) None of the Mortgage Loans are Additional Collateral Loans and none of the Mortgage Loans are Pledged Asset Loans. It is understood and agreed that the representations and warranties set forth in this Section 2.03(b) shall survive delivery of the respective Mortgage Files to the Trustee or any Custodian. Upon discovery by any of the Company, the Master Servicer, the Trustee or any Custodian of a breach of any of the representations and warranties set forth in this Section 2.03(b) that materially and adversely affects the interests of the Certificateholders in any Mortgage Loan, the party discovering such breach shall give prompt written notice to the other parties (any Custodian being so obligated under a Custodial Agreement); provided, however, that in the event of a breach of the representation and warranty set forth in Section 2.03(b)(xii), the party discovering such breach shall give such notice within five days of discovery. Within 90 days of its discovery or its receipt of notice of breach, the Company shall either (i) cure such breach in all material respects or (ii) purchase such Mortgage Loan from the Trust Fund at the Purchase Price and in the manner set forth in Section 2.02; provided that the Company shall have the option to substitute a Qualified Substitute Mortgage Loan or Loans for such Mortgage Loan if such substitution occurs within two years following the Closing Date; provided that if the omission or defect would cause the Mortgage Loan to be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code, any such cure or repurchase must occur within 90 days from the date such breach was discovered. Any such substitution shall be effected by the Company under the same terms and conditions as provided in Section 2.04 for substitutions by Residential Funding. It is understood and 19 agreed that the obligation of the Company to cure such breach or to so purchase or substitute for any Mortgage Loan as to which such a breach has occurred and is continuing shall constitute the sole remedy respecting such breach available to the Certificateholders or the Trustee on behalf of the Certificateholders. Notwithstanding the foregoing, the Company shall not be required to cure breaches or purchase or substitute for Mortgage Loans as provided in this Section 2.03(b) if the substance of the breach of a representation set forth above also constitutes fraud in the origination of the Mortgage Loan. Section 2.04. Representations and Warranties of Sellers. (See Section 2.04 of the Standard Terms) Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates Evidencing Interests in REMIC I Certificates. The Trustee acknowledges the assignment to it of the Mortgage Loans and the delivery of the Mortgage Files to it, or any Custodian on its behalf, subject to any exceptions noted, together with the assignment to it of all other assets included in the Trust Fund and/or the applicable REMIC, receipt of which is hereby acknowledged. Concurrently with such delivery and in exchange therefor, the Trustee, pursuant to the written request of the Company executed by an officer of the Company, has executed and caused to be authenticated and delivered to or upon the order of the Company the Class R-I Certificates in authorized denominations which together with the Uncertificated REMIC I Regular Interests, evidence 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. Section 2.08. Purposes and Powers of the Trust. (See Section 2.08 of the Standard Terms) 20 ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS (SEE ARTICLE III OF THE STANDARD TERMS) 21 ARTICLE IV PAYMENTS TO CERTIFICATEHOLDERS Section 4.01. Certificate Account. (See Section 4.01 of the Standard Terms) Section 4.02. Distributions. (a) On each Distribution Date (x) the Master Servicer on behalf of the Trustee or (y) the Paying Agent appointed by the Trustee, shall distribute to the Master Servicer, in the case of a distribution pursuant to Section 4.02(a)(iii) below, the amount required to be distributed to the Master Servicer or a Sub-Servicer pursuant to Section 4.02(a)(iii) below, and to each Certificateholder of record on the next preceding Record Date (other than as provided in Section 9.01 respecting the final distribution) either in immediately available funds (by wire transfer or otherwise) to the account of such Certificateholder at a bank or other entity having appropriate facilities therefor, if such Certificateholder has so notified the Master Servicer or the Paying Agent, as the case may be, or, if such Certificateholder has not so notified the Master Servicer or the Paying Agent by the Record Date, by check mailed to such Certificateholder at the address of such Holder appearing in the Certificate Register such Certificateholder's share (which share (A) with respect to each Class of Certificates (other than any Subclass of the Class A-V Certificates), shall be based on the aggregate of the Percentage Interests represented by Certificates of the applicable Class held by such Holder or (B) with respect to any Subclass of the Class A-V Certificates, shall be equal to the amount (if any) distributed pursuant to Section 4.02(a)(i) below to each Holder of a Subclass thereof) of the following amounts, in the following order of priority (subject to the provisions of Section 4.02(b), (c) and (e) below), in each case to the extent of the Available Distribution Amount remaining: (i) to the Senior Certificates (other than the Class A-P Certificates), 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) (X) to the Class A-P Certificates, the Class A-P Principal Distribution Amount (applied to reduce the Certificate Principal Balances of such Senior Certificates); and (Y) to the Senior Certificates (other than the Class A-P Certificates), in the priorities and amounts set forth in Section 4.02(b) 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 22 Discount Fraction of the principal portion of such payment with respect to a Discount Mortgage Loan), whether or not received on or prior to the related Determination Date, minus the principal portion of any Debt Service Reduction (other than the related Discount Fraction of the principal portion of such Debt Service Reductions with respect to each Discount Mortgage Loan) which together with other Bankruptcy Losses exceeds the Bankruptcy Amount; (2) the Stated Principal Balance of any Mortgage Loan repurchased during the preceding calendar month (or deemed to have been so repurchased in accordance with Section 3.07(b)) pursuant to Section 2.02, 2.03, 2.04 or 4.07 and the amount of any shortfall deposited in the Custodial Account in connection with the substitution of a Deleted Mortgage Loan pursuant to Section 2.03 or 2.04 during the preceding calendar month (other than the related Discount Fraction of such Stated Principal Balance or shortfall with respect to each Discount Mortgage Loan); and (3) the principal portion of all other unscheduled collections (other than Principal Prepayments in Full and Curtailments and amounts received in connection with a Cash Liquidation or REO Disposition of a Mortgage Loan described in Section 4.02(a)(ii)(Y)(B) of this Series Supplement, including without limitation Insurance Proceeds, Liquidation Proceeds and REO Proceeds), including Subsequent Recoveries, received during the preceding calendar month (or deemed to have been so received in accordance with Section 3.07(b) of the Standard Terms) to the extent applied by the Master Servicer as recoveries of principal of the related Mortgage Loan pursuant to Section 3.14 of the Standard Terms (other than the related Discount Fraction of the principal portion of such unscheduled collections, with respect to each Discount Mortgage Loan); (B) with respect to each Mortgage Loan for which a Cash Liquidation or a REO Disposition occurred during the preceding calendar month (or was deemed to have occurred during such period in accordance with Section 3.07(b) of the Standard Terms) and did not result in any Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses or Extraordinary Losses, an amount equal to the lesser of (a) the Senior Percentage for such Distribution Date times the Stated Principal Balance of such Mortgage Loan (other than the related Discount Fraction of such Stated Principal Balance, with respect to each Discount Mortgage Loan) and (b) the Senior Accelerated Distribution Percentage for such Distribution Date times the related unscheduled collections (including without limitation Insurance Proceeds, Liquidation Proceeds and REO Proceeds) to the extent applied 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); 23 (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; minus (F) the Capitalization Reimbursement Amount for such Distribution Date, other than the related Discount Fraction of any portion of that amount related to each Discount Mortgage Loan, multiplied by a fraction, the numerator of which is the Senior Principal Distribution Amount, without giving effect to this clause (F), and the denominator of which is the sum of the principal distribution amounts for all Classes of Certificates other than the Class A-P Certificates, without giving effect to any reductions for the Capitalization Reimbursement Amount; (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; 24 (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 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; 25 (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; (xv) to the Holders of the Class B-3 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates applied in reduction of the Certificate Principal Balance of the Class B-3 Certificates; (xvi) to the Senior Certificates, on a pro rata basis in accordance with their respective outstanding Certificate Principal Balances, the portion, if any, of the Available Distribution Amount remaining after the foregoing distributions, applied to reduce the Certificate Principal Balances of such Senior Certificates, but in no event more than the aggregate of the outstanding Certificate Principal Balances of each such Class of Senior Certificates, and thereafter, to each Class of Subordinate Certificates then outstanding beginning with such Class with the Highest Priority, any portion of the Available Distribution Amount remaining after the Senior Certificates have been retired, applied to reduce the Certificate Principal Balance of each such Class of Subordinate Certificates, but in no event more than the outstanding Certificate Principal Balance of each such Class of Subordinate Certificates; and (xvii) to the Class R-I Certificates, the balance, if any, of the Available Distribution Amount. Notwithstanding the foregoing, on any Distribution Date, with respect to the Class of Subordinate Certificates outstanding on such Distribution Date with the Lowest Priority, or in the event the Subordinate Certificates are no longer outstanding, the Senior Certificates, Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date will be distributable only to the extent that a shortfall in the amounts available to pay Accrued Certificate Interest on any Class of Certificates results from an interest rate reduction in connection with a Servicing Modification, or 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: 26 (A) the related Discount Fraction of the principal portion of each Monthly Payment on each Discount Mortgage Loan due during the related Due Period, whether or not received on or prior to the related Determination Date, minus the Discount Fraction of the principal portion of any related Debt Service Reduction which together with other Bankruptcy Losses exceeds the Bankruptcy Amount; (B) the related Discount Fraction of the principal portion of all unscheduled collections on each Discount Mortgage Loan received during the preceding calendar month or, in the case of Principal Prepayments in Full, during the related Prepayment Period (other than amounts received in connection with a Cash Liquidation or REO Disposition of a Discount Mortgage Loan described in clause (C) below), including Principal Prepayments in Full, Curtailments, Subsequent Recoveries and repurchases (including deemed repurchases under Section 3.07(b) of the Standard Terms) of Discount Mortgage Loans (or, in the case of a substitution of a Deleted Mortgage Loan, the Discount Fraction of the amount of any shortfall deposited in the Custodial Account in connection with such substitution); (C) in connection with the Cash Liquidation or REO Disposition of a Discount Mortgage Loan that did not result in any Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses or Extraordinary Losses, an amount equal to the lesser of (1) the applicable Discount Fraction of the 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; minus (F) the related Discount Fraction of the portion of the Capitalization Reimbursement Amount for such Distribution Date, if any, related to each Discount Mortgage Loan; and (ii) second, the Senior Principal Distribution Amount shall be distributed in the following manner and priority: (A) first, concurrently to the Class R-I Certificates and the 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 27 (B) second, the Senior Principal Distribution Amount remaining after the payments of principal made in accordance with Section 4.02(b)(ii)(A) above, shall be distributed in the following manner and priority: (1) first, to the Class A-1, Class A-2 and Class A-4 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 and Class A-4 Certificates have been reduced to zero; and (2) second, to the Class A-3 Certificates, until the Certificate Principal Balance of the Class A-3 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 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 28 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). Section 4.03. Statements to Certificateholders; Exchange Act Reporting. (See Section 4.03 of the Standard Terms) Section 4.04. Distribution of Reports to the Trustee and the Company; Advances by the Master Servicer. (See Section 4.04 of the Standard Terms) Section 4.05. Allocation of Realized Losses. Prior to each Distribution Date, the Master Servicer shall determine the total amount of Realized Losses, if any, that resulted from any Cash Liquidation, Servicing Modification, Debt Service Reduction, Deficient Valuation or REO Disposition that occurred during the related Prepayment Period or, in the case of a Servicing Modification that constitutes a reduction of the interest rate on a Mortgage Loan, the amount of the reduction in the interest portion of the Monthly Payment due during the related Due Period. The amount of each Realized Loss shall be evidenced by an Officers' Certificate. All Realized Losses, other than Excess Special Hazard Losses, Extraordinary Losses, Excess Bankruptcy Losses or Excess Fraud Losses, shall be allocated as follows: first, to the Class B-3 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; second, to the Class B-2 Certificates until the Certificate Principal Balance thereof has been reduced to zero; third, to the 29 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 no such reduction shall reduce the aggregate Certificate Principal Balance of the Certificates below the aggregate Stated Principal Balance of the Mortgage Loans. 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). 30 Allocations of the interest portions of Realized Losses other than any interest rate reduction resulting from a Servicing Modification shall be made in proportion to the amount of Accrued Certificate Interest and by operation of the definition of "Accrued Certificate Interest" and by operation of the provisions of Section 4.02(a). Allocations of the interest portion of a Realized Loss resulting from an interest rate reduction in connection with a Servicing Modification shall be made 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) 31 ARTICLE V THE CERTIFICATES (SEE ARTICLE V OF THE STANDARD TERMS) 32 ARTICLE VI THE COMPANY AND THE MASTER SERVICER (SEE ARTICLE VI OF THE STANDARD TERMS) 33 ARTICLE VII DEFAULT (SEE ARTICLE VII OF THE STANDARD TERMS) 34 ARTICLE VIII CONCERNING THE TRUSTEE (SEE ARTICLE VIII OF THE STANDARD TERMS) 35 ARTICLE IX TERMINATION (SEE ARTICLE IX OF THE STANDARD TERMS) 36 ARTICLE X REMIC PROVISIONS Section 10.01..REMIC Administration. (See Section 10.01 of the Standard Terms) Section 10.02..Master Servicer; REMIC Administrator and Trustee Indemnification. (See Section 10.02 of the Standard Terms) Section 10.03..Designation of REMICs. The REMIC Administrator will make an election to treat the entire segregated pool of assets described in the definition of Trust Fund, and subject to this Agreement (including the Mortgage Loans) 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-P, Class M-1, Class M-2, Class M-3, Class B-1, Class B-2 and Class B-3 Certificates and the Uncertificated REMIC II Regular Interests Z, the rights in and to which will be represented by the Class A-V Certificates, will be "regular interests" in REMIC II, and the Class R-II Certificates will be the sole class of "residual interests" therein for purposes of the REMIC Provisions (as defined herein) under federal income tax law. On and after the date of issuance of any Subclass of Class A-V Certificates pursuant to Section 5.01(c), any such Subclass will represent the Uncertificated REMIC II Regular Interest or Interests Z specified by the initial Holder of the Class A-V Certificates pursuant to said Section. Section 10.04..Distributions on the Uncertificated REMIC I and REMIC II Regular Interests (a)On each Distribution Date the Trustee shall be deemed to distribute to itself, as the holder of the Uncertificated REMIC I Regular Interests, the Uncertificated REMIC I Regular Interest Distribution Amounts in the following order of priority to the extent of the Available Distribution Amount reduced by distributions made to the Class R-I Certificates pursuant to Section 4.02(a): (i) Uncertificated Accrued Interest on the Uncertificated REMIC I Regular Interests for such Distribution Date, plus any Uncertificated Accrued Interest thereon remaining unpaid from any previous Distribution Date; and (ii) In accordance with the priority set forth in Section 10.04(b), an amount equal to the sum of the amounts in respect of principal distributable on each Class of Certificates (other than the Class R-I Certificates) under Section 4.02(a), as allocated thereto pursuant to Section 4.02(b). 37 (b)The amount described in Section 10.04(a)(ii) shall be deemed distributed to (i) Uncertificated REMIC I Regular Interest T, (ii) Uncertificated REMIC I Regular Interest U, (iii) Uncertificated REMIC I Regular Interest V, (iv) Uncertificated REMIC I Regular Interest W, (v) Uncertificated REMIC I Regular Interest X and (vi) 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 T; (iii) Realized Losses allocated to the Class A-2 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest U; (iv) Realized Losses allocated to the Class A-3 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest V; (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 W; (vi) Realized Losses allocated to the Class A-P Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest X; (vii) Realized Losses allocated to the Class A-6, Class R-II, Class M-1, Class M-2, Class M-3, Class B-1, Class B-2 and Class B-3 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest Y; and (viii) 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. 38 (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. 39 ARTICLE XI MISCELLANEOUS PROVISIONS Section 11.01. Amendment. (See Section 11.01 of the Standard Terms) Section 11.02. Recordation of Agreement; Counterparts. (See Section 11.02 of the Standard Terms) Section 11.03. Limitation on Rights of Certificateholders. (See Section 11.03 of the Standard Terms) Section 11.04. Governing Laws. (See Section 11.04 of the Standard Terms) Section 11.05. Notices. All demands and notices hereunder shall be in writing and shall be deemed to have been duly given if personally delivered at or mailed by registered mail, postage prepaid (except for notices to the Trustee which shall be deemed to have been duly given only when received), to the appropriate address for each recipient listed in the table below or, in each case, such other address as may hereafter be furnished in writing to the Master Servicer, the Trustee and the Company, as applicable: ---------------------------------- --------------------------------------------- RECIPIENT ADDRESS ---------------------------------- --------------------------------------------- ---------------------------------- --------------------------------------------- Company 8400 Normandale Lake Boulevard Suite 250, Minneapolis, Minnesota 55437, Attention: President ---------------------------------- --------------------------------------------- ---------------------------------- --------------------------------------------- Master Servicer 2255 N. Ontario Street, Suite 400 Burbank, California 91504-2130, Attention: Managing Director/Master Servicing ---------------------------------- --------------------------------------------- ---------------------------------- --------------------------------------------- Trustee Corporate Trust Office 1761 East St. Andrew Place Santa Ana, California 92705-4934, Attention: Residential Accredit Loans, Inc. Series 2003-QS4 The Trustee designates its offices located at c/o DTC Transfer Services, 55 Water Street, Jeanette Street Park Entrance, New York, New York 10041, for the purposes of Section 8.12 of the Standard Terms ---------------------------------- -------------------------------------------- ---------------------------------- -------------------------------------------- Standard & Poor's Ratings 55 Water Street Services 41st Floor New York, New York 10041 ---------------------------------- -------------------------------------------- ---------------------------------- -------------------------------------------- Fitch Ratings One State Street Plaza New York, New York 10004 ---------------------------------- -------------------------------------------- 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 40 shown in the Certificate Register. Any notice so mailed within the time prescribed in this Agreement shall be conclusively presumed to have been duly given, whether or not the Certificateholder receives such notice. Section 11.06. Required Notices to Rating Agency and Subservicer. (See Section 11.06 of the Standard Terms) Section 11.07. Severability of Provisions. (See Section 11.07 of the Standard Terms) Section 11.08. Supplemental Provisions for Resecuritization. (See Section 11.08 of the Standard Terms) Section 11.09. Allocation of Voting Rights. 96.0% of all of the Voting Rights shall be allocated among Holders of Certificates, other than the Interest Only Certificates and Class R Certificates, in proportion to the outstanding Certificate Principal Balances of their respective Certificates; 1.0% of all Voting Rights shall be allocated among the Holders of the Class A-5 Certificates, in accordance with their respective Percentage Interests; 1.0% of all Voting Rights shall be allocated among the Holders of the Class A-6 Certificates, in accordance with their respective Percentage Interests; 1.0% 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. 41 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// Benita Bjorgo Name: Benita Bjorgo Title: Vice President RESIDENTIAL FUNDING CORPORATION [Seal] By://s// Benita Bjorgo Name: Benita Bjorgo Title: Associate Attest://s// Joseph Orning Name: Joseph Orning Title: Associate DEUTSCHE BANK TRUST COMPANY AMERICAS, as Trustee [Seal] By: //s//Ronaldo Reyes Name: Ronaldo Reyes Title: Associate By://s// James F. Noriega Name: James F. Noriega Title: Associate Attest://s//Barbara Campbell Name: Barbara Campbell Title: Assistant Secretary 42 STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On 28th day of March, 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 Bangerter Notary Public [Notarial Seal] STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 28th day of March, 2003 before me, a notary public in and for said State, personally appeared Benita Bjorgo, known to me to be an Associate 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 Bangerter Notary Public [Notarial Seal] STATE OF CALIFORNIA ) ) ss.: COUNTY OF ORANGE ) On the 28th day of March, 2003 before me, a notary public in and for said State, personally appeared Ronaldo Reyes, known to me to be an Associate of Deutsche Bank Trust Company Americas, the New York banking corporation that executed the within instrument, and also known to me to be the person who executed it on behalf of said banking corporation and acknowledged to me that such banking corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first, above written. //s// Brent Wayne Hoyler Notary Public [Notarial Seal] STATE OF CALIFORNIA ) ) ss.: COUNTY OF ORANGE ) On the 28th day of March, 2003 before me, a notary public in and for said State, personally appeared James F. Noriega, known to me to be an Associate of Deutsche Bank Trust Company Americas, the New York banking corporation that executed the within instrument, and also known to me to be the person who executed it on behalf of said banking corporation and acknowledged to me that such banking corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. //s// Brent Wayne Hoyler Notary Public [Notarial Seal] EXHIBIT ONE MORTGAGE LOAN SCHEDULE RUN ON : 03/24/03 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 12.22.32 FIXED PASSTHRU REPORT AMORTIZED BALANCE SERIES : RALI 2003-QS4 CUTOFF : 03/01/03 POOL : 0004667 : : 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 ------------------------------------------------------------------------- 1987236 .2500 33,765.35 .0800 9.6250 .0000 9.3750 .0000 9.2950 .0000 6.0000 3.2950 4743322 .2500 82,676.32 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 5129114 .2500 47,370.06 .0800 8.7500 .0000 8.5000 .0000 8.4200 .0000 6.0000 2.4200 7889055 .2500 281,803.87 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 7939845 .2500 215,115.79 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.0000 1.6700 7976539 .2500 257,874.59 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 1 8004219 .2500 277,971.28 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8004897 .2500 326,196.59 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8032441 .2500 480,096.24 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8041931 .2500 216,625.49 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 8043415 .2500 292,019.08 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8067237 .2500 129,049.33 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8077195 .2500 358,306.79 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8078791 .2500 69,039.59 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 1 8079171 .2500 126,040.42 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 8094099 .2500 209,252.74 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8096313 .2500 245,584.54 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8107783 .2500 299,217.83 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8118281 .2500 35,019.36 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8137973 .2500 288,517.12 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8139529 .2500 547,546.81 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8147095 .2500 179,311.49 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 1 8154825 .2500 111,475.81 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8154865 .2500 359,746.22 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8156287 .2500 188,433.63 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 8175959 .2500 175,358.37 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8181755 .2500 169,886.22 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 8184259 .2500 135,400.11 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8188299 .2500 206,046.09 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8190703 .2500 498,132.79 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 1 8192177 .2500 209,194.84 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8193455 .2500 151,459.13 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8194345 .2500 175,897.16 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8195179 .2500 174,102.26 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8196817 .2500 87,096.44 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8200907 .2500 113,086.76 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8200945 .2500 161,423.54 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8201573 .2500 71,046.87 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 1 8203931 .2500 120,579.68 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 8205971 .2500 60,620.54 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8208533 .2500 349,045.63 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8209837 .2500 166,566.22 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8209909 .2500 85,360.90 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8211771 .2500 159,520.53 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 8212153 .2500 108,695.52 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8214151 .2500 63,135.18 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 1 8214705 .2500 259,340.95 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8216383 .2500 222,613.60 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8216881 .2500 239,345.58 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8216939 .2500 66,678.66 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8217449 .2500 376,508.80 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8217693 .2500 91,656.43 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8218751 .2500 242,288.85 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8222075 .2500 124,459.70 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 1 8222457 .2500 64,793.01 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8222765 .2500 93,381.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.0000 1.0450 8228529 .2500 194,455.28 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8229297 .2500 244,314.11 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8229415 .2500 64,358.76 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8237345 .2500 262,516.34 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8239257 .2500 143,156.21 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8243077 .2500 177,745.40 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 1 8248571 .2500 357,675.71 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8251103 .2500 169,699.19 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8257701 .2500 95,313.06 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8262699 .2500 115,799.70 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8263903 .2500 211,574.86 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8264573 .2500 185,020.28 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8266861 .2500 156,680.22 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 8273093 .2500 70,894.29 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 1 8275819 .2500 374,999.28 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8275849 .2500 340,944.94 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8276211 .2500 80,029.80 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8276647 .2500 151,505.75 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8278497 .2500 121,164.37 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.0000 1.0450 8279239 .2500 257,935.98 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8283473 .2500 59,995.92 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51,922.56 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 8491675 .2500 106,303.81 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8491681 .2500 187,583.71 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8491685 .2500 56,627.16 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 1 8491687 .2500 379,276.11 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8491691 .2500 522,096.88 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8491693 .2500 378,809.88 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8491697 .2500 159,056.82 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.0000 1.0450 8491699 .2500 499,547.98 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8491701 .2500 363,323.93 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8491703 .2500 330,428.43 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8491705 .2500 63,907.06 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 1 8491707 .2500 63,907.06 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8491709 .2500 63,907.06 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8491713 .2500 114,786.39 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8491717 .2500 333,719.58 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8491719 .2500 58,301.58 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8491721 .2500 839,202.97 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8491725 .2500 352,328.36 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8491729 .2500 182,595.66 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 1 8491733 .2500 134,388.46 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8491737 .2500 158,904.30 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8491741 .2500 358,905.30 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8491745 .2500 169,786.36 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8491751 .2500 338,184.88 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8491755 .2500 181,304.27 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8491759 .2500 151,717.67 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8491765 .2500 334,392.66 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 1 8491769 .2500 454,194.90 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8491773 .2500 349,334.07 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8491777 .2500 166,245.82 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.0000 1.0450 8491781 .2500 251,180.67 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 8491787 .2500 237,137.44 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.0000 1.0450 8491791 .2500 331,368.32 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8491797 .2500 58,313.03 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 8491801 .2500 386,281.21 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 1 8491809 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.2500 399,325.97 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8491949 .2500 359,218.45 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8491953 .2500 95,783.58 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8491957 .2500 399,274.82 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8491961 .2500 390,651.25 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8491965 .2500 297,399.41 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8491971 .2500 238,808.87 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 8491975 .2500 227,587.90 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 1 8491979 .2500 311,499.50 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 8491983 .2500 212,527.34 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8491995 .2500 134,788.74 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 8491999 .2500 224,647.89 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 8492003 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297,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8523171 .2500 103,500.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8523173 .2500 307,200.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8523177 .2500 79,500.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 1 8523179 .2500 200,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8523181 .2500 153,700.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8523183 .2500 213,800.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8523187 .2500 127,000.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8523189 .2500 138,900.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8523191 .2500 241,500.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8523195 .2500 252,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8523197 .2500 118,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 1 8523199 .2500 246,700.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8523203 .2500 244,875.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8523205 .2500 230,200.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8523233 .2500 321,250.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8523239 .2500 320,000.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8523241 .2500 111,000.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8523243 .2500 238,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8523245 .2500 114,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 1 8523247 .2500 128,240.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8523251 .2500 136,500.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8523253 .2500 142,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8523255 .2500 450,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8523257 .2500 219,600.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8523259 .2500 170,850.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8523261 .2500 150,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8523263 .2500 137,450.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 1 8523265 .2500 493,550.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8523269 .2500 61,500.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8523271 .2500 49,050.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8523273 .2500 160,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8523275 .2500 264,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8523301 .2500 131,250.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8523305 .2500 135,000.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8523307 .2500 188,000.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 1 8523469 .2500 41,250.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8523559 .2500 160,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8523741 .2500 100,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8523743 .2500 250,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8523745 .2500 297,500.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8523747 .2500 243,750.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8523749 .2500 250,000.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8523753 .2500 228,500.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 1 8523755 .2500 151,500.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8523757 .2500 252,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8523759 .2500 278,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8523769 .2500 96,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8523771 .2500 604,875.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8523773 .2500 380,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8523775 .2500 498,750.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8523777 .2500 41,230.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 1 8523779 .2500 150,200.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8523783 .2500 229,000.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8523785 .2500 112,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8523793 .2500 322,700.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8523897 .2500 320,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8524179 .2500 185,600.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8524309 .2500 110,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8524917 .2500 130,150.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 1 8531571 .2500 146,500.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 TOTAL NUMBER OF LOANS: 2335 TOTAL BALANCE........: 451,785,853.70 RUN ON : 03/24/03 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 12.22.32 INITIAL SECURITY FEES AMORTIZED BALANCE SERIES : RALI 2003-QS4 FIXED SUMMARY REPORT CUTOFF : 03/01/03 POOL : 0004667 : : POOL STATUS: F WEIGHTED AVERAGES FROM TO ---------------------------------------------------------------------------- CURR NOTE RATE 6.4887 5.6250 9.6250 RFC NET RATE 6.2387 5.3750 9.3750 NET MTG RATE(INVSTR RATE) 6.1774 5.3450 9.2950 POST STRIP RATE 5.9419 5.3450 6.0000 SUB SERV FEE .2500 .2500 .2500 MSTR SERV FEE .0612 .0300 .0800 ALL EXP .0000 .0000 .0000 MISC EXP .0000 .0000 .0000 SPREAD .0000 .0000 .0000 STRIP .2355 .0000 3.2950 TOTAL NUMBER OF LOANS: 2335 TOTAL BALANCE........: 451,785,853.70 *************************** * END OF REPORT * *************************** RUN ON : 03/24/03 RFC DISCLOSURE SYSTEM RFFSD177-01 AT : 12.22.32 FIXED RATE LOAN LISTING AMORTIZED BALANCE SERIES : RALI 2003-QS4 CUTOFF : 03/01/03 POOL : 0004667 : : 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 # ______________________________________________________________________________ 1987236 225/447 F 34,650.00 ZZ 360 33,765.35 3 9.625 294.53 90 9.375 294.53 ALIQUIPPA PA 15001 1 05/09/00 11 3843856 05 07/01/00 25 7183536 O 06/01/30 0 4743322 700/G02 F 84,000.00 ZZ 360 82,676.32 1 7.500 587.34 80 7.250 587.34 HEMET CA 92545 5 05/16/01 00 0432896587 03 07/01/01 0 00258891 O 06/01/31 0 5129114 U59/G02 F 50,000.00 ZZ 360 47,370.06 1 8.750 393.36 55 8.500 393.36 CHICAGO IL 60657 5 07/24/01 00 0433047537 06 08/25/01 0 800870552 N 07/25/31 0 7889055 E82/G02 F 283,500.00 ZZ 360 281,803.87 1 6.875 1,862.39 90 6.625 1,862.39 PISMO BEACH CA 93449 2 07/26/02 04 0400654620 05 09/01/02 25 1 0400654620 O 08/01/32 0 7939845 E22/G02 F 216,000.00 ZZ 360 215,115.79 4 8.000 1,584.93 90 7.750 1,584.93 CHICAGO IL 60617 1 08/12/02 11 0414347674 05 10/01/02 25 0414347674 N 09/01/32 0 7976539 696/G02 F 259,200.00 ZZ 360 257,874.59 1 6.875 1,702.76 80 6.625 1,702.76 STERLING VA 20165 2 08/07/02 00 0434466058 09 10/01/02 0 25002112 O 09/01/32 0 8004219 S27/G02 F 279,400.00 ZZ 360 277,971.28 1 6.875 1,835.46 62 6.625 1,835.46 CHICAGO IL 60625 5 08/23/02 00 0434644233 05 10/01/02 0 1830001834 O 09/01/32 0 8004897 196/G02 F 328,000.00 ZZ 360 326,196.59 1 6.500 2,073.19 80 6.250 2,073.19 LA MIRADA CA 90638 2 08/19/02 00 0434538781 03 10/01/02 0 1562098 O 09/01/32 0 8032441 696/G02 F 482,300.00 ZZ 360 480,096.24 1 6.500 3,048.46 75 6.250 3,048.46 LOVETTSVILLE VA 20180 5 09/06/02 00 0434585089 05 11/01/02 0 24002115 O 10/01/32 0 1 8041931 U05/G02 F 217,800.00 ZZ 360 216,625.49 1 7.250 1,485.78 99 7.000 1,485.78 MARIETTA GA 30062 2 08/20/02 10 0434590543 05 10/01/02 35 3256817 O 09/01/32 0 8043415 601/G02 F 293,520.00 ZZ 360 292,019.08 1 6.875 1,928.22 80 6.625 1,928.22 CHICAGO IL 60611 1 08/05/02 00 0434598736 06 10/01/02 0 61606224 O 09/01/32 0 8067237 U05/G02 F 129,600.00 ZZ 360 129,049.33 1 6.875 851.38 90 6.625 851.38 ELK GROVE CA 95624 1 09/19/02 10 0435438379 07 11/01/02 25 3258464 N 10/01/32 0 8077195 642/G02 F 360,000.00 ZZ 360 358,306.79 1 6.375 2,245.93 80 6.125 2,245.93 SAN DIEGO CA 92122 5 09/25/02 00 0434677217 05 11/01/02 0 09197002 O 10/01/32 0 8078791 E22/G02 F 69,300.00 ZZ 360 69,039.59 1 7.500 484.56 90 7.250 484.56 GREENVILLE SC 29605 1 10/02/02 04 0415089531 05 11/01/02 25 0415089531 N 10/01/32 0 8079171 W99/G02 F 126,540.00 ZZ 360 126,040.42 1 7.250 863.23 74 7.000 863.23 1 DILLON SC 29536 5 10/01/02 00 0434777553 05 11/01/02 0 213014002 N 10/01/32 0 8094099 E22/G02 F 210,000.00 ZZ 360 209,252.74 1 6.625 1,344.65 70 6.375 1,344.65 ALGONQUIN IL 60102 5 10/03/02 00 0415029172 05 12/01/02 0 0415029172 O 11/01/32 0 8096313 E47/G02 F 247,050.00 ZZ 360 245,584.54 1 6.375 1,541.27 75 6.125 1,541.27 TRACY CA 95377 1 09/18/02 00 0434887618 05 11/01/02 0 7359520025 O 10/01/32 0 8107783 624/G02 F 300,700.00 ZZ 360 299,217.83 1 6.375 1,875.98 79 6.125 1,875.98 SANTA ANA CA 92704 1 09/26/02 00 0434727178 05 11/01/02 0 1000011529 O 10/01/32 0 8118281 737/G02 F 35,200.00 ZZ 360 35,019.36 1 7.750 252.18 80 7.500 252.18 PHOENIX AZ 85033 1 09/25/02 00 0434783940 09 11/01/02 0 2086657 N 10/01/32 0 8137973 E22/G02 F 290,000.00 ZZ 360 288,517.12 3 6.875 1,905.09 69 6.625 1,905.09 WHITE PLAINS NY 10606 2 08/08/02 00 0690023270 05 10/01/02 0 0414321448 N 09/01/32 0 1 8139529 E84/G02 F 550,000.00 ZZ 360 547,546.81 1 6.625 3,521.71 62 6.375 3,521.71 DEER PARK IL 60010 5 09/18/02 00 0434829669 05 11/01/02 0 11214954 O 10/01/32 0 8147095 X64/G02 F 180,000.00 ZZ 360 179,311.49 1 6.250 1,108.29 79 6.000 1,108.29 CLINTON MI 49236 2 10/07/02 00 0434973210 05 12/01/02 0 1843399 O 11/01/32 0 8154825 E84/G02 F 112,000.00 ZZ 360 111,475.81 1 6.375 698.73 80 6.125 698.73 NASHVILLE TN 37206 1 09/30/02 00 0434829487 01 11/01/02 0 86720211 N 10/01/32 0 8154865 E47/G02 F 361,000.00 ZZ 360 359,746.22 1 6.750 2,341.44 80 6.500 2,341.44 VINE GROVE KY 40175 5 10/18/02 00 0434833588 05 12/01/02 0 7323510056 O 11/01/32 0 8156287 737/G02 F 189,000.00 ZZ 360 188,433.63 3 7.500 1,321.52 90 7.250 1,321.52 CHICAGO IL 60651 1 10/21/02 12 0434821302 05 12/01/02 25 2085967 N 11/01/32 0 8175959 W93/G02 F 176,000.00 ZZ 360 175,358.37 1 1 6.500 1,112.44 88 6.250 1,112.44 LONG BEACH CA 90805 2 10/02/02 10 0434870168 05 12/01/02 25 67401957 O 11/01/32 0 8181755 L20/G02 F 170,450.00 ZZ 360 169,886.22 1 7.000 1,134.01 88 6.750 1,134.01 SALT LAKE CITY UT 84121 1 11/01/02 10 0434899332 05 12/01/02 30 1031010070 O 11/01/32 0 8184259 P09/G02 F 135,920.00 ZZ 360 135,400.11 1 6.250 836.88 80 6.000 836.88 BRANDYWINE MD 20613 1 10/31/02 00 0434922688 05 12/01/02 0 2030004 O 11/01/32 0 8188299 X67/G02 F 206,800.00 ZZ 360 206,046.09 2 6.500 1,307.12 79 6.250 1,307.12 LOS ANGELES CA 90019 2 10/23/02 00 0434900296 05 12/01/02 0 00270492 O 11/01/32 0 8190703 A06/G02 F 500,000.00 ZZ 360 498,132.79 1 6.375 3,119.35 75 6.125 3,119.35 BIRMINGHAM MI 48009 1 11/01/02 00 0434909800 05 12/01/02 0 0020222500 O 11/01/32 0 8192177 X80/G02 F 210,000.00 ZZ 360 209,194.84 2 6.250 1,293.01 75 6.000 1,293.01 LOS ANGELES CA 90019 5 10/24/02 00 0434948568 05 12/01/02 0 1 1410066611 O 11/01/32 0 8193455 964/G02 F 152,000.00 ZZ 360 151,459.13 1 6.625 973.27 80 6.375 973.27 PHOENIX AZ 85032 5 10/28/02 00 0434936845 05 12/01/02 0 279601 O 11/01/32 0 8194345 G34/G02 F 176,400.00 ZZ 360 175,897.16 4 7.750 1,263.75 90 7.500 1,263.75 LAS VEGAS NV 89101 1 10/30/02 10 0434937140 05 12/01/02 25 39012389 N 11/01/32 0 8195179 G34/G02 F 174,600.00 ZZ 360 174,102.26 4 7.750 1,250.86 90 7.500 1,250.86 LAS VEGAS NV 89101 1 10/21/02 10 0434964037 05 12/01/02 25 2063952 N 11/01/32 0 8196817 W02/G02 F 87,400.00 ZZ 360 87,096.44 1 6.750 566.88 95 6.500 566.88 JACKSONVILLE FL 32205 5 10/24/02 11 0434938528 05 12/01/02 30 1001632826 O 11/01/32 0 8200907 K15/G02 F 113,800.00 ZZ 360 113,086.76 1 6.625 728.67 67 6.375 728.67 DENVER CO 80219 5 10/18/02 00 0434956397 05 12/01/02 0 023405300011 O 11/01/32 0 1 8200945 E84/G02 F 162,000.00 ZZ 360 161,423.54 1 6.625 1,037.30 71 6.375 1,037.30 SEATTLE WA 98118 5 10/02/02 00 0434876314 05 12/01/02 0 45520565 O 11/01/32 0 8201573 T24/G02 F 71,250.00 ZZ 360 71,046.87 1 7.750 510.45 95 7.500 510.45 NIXA MO 65714 5 10/24/02 11 0435367610 05 12/01/02 30 0001648339 O 11/01/32 0 8203931 003/G02 F 152,450.00 ZZ 360 120,579.68 1 7.250 1,039.98 80 7.000 1,039.98 PORT ST LUCIE FL 34952 1 10/25/02 00 0434940532 03 12/01/02 0 0021689245 O 11/01/32 0 8205971 737/G02 F 60,750.00 ZZ 360 60,620.54 4 7.750 435.22 90 7.500 435.22 CHICAGO IL 60617 1 11/07/02 12 0434942256 05 01/01/03 25 2088686 N 12/01/32 0 8208533 M27/G02 F 350,000.00 ZZ 360 349,045.63 1 6.500 2,212.24 72 6.250 2,212.24 LIBERTY SC 29657 2 11/04/02 00 0435294194 05 01/01/03 0 0100064052 O 12/01/32 0 8209837 E22/G02 F 167,000.00 ZZ 360 166,566.22 1 6.750 1,083.16 75 6.500 1,083.16 1 HILLSBOROUGH NJ 08844 1 11/15/02 00 0414823922 01 01/01/03 0 0414823922 O 12/01/32 0 8209909 E22/G02 F 85,600.00 ZZ 360 85,360.90 1 6.375 534.03 80 6.125 534.03 FLORENCE AL 35634 2 11/11/02 00 0415239417 05 01/01/03 0 0415239417 O 12/01/32 0 8211771 A21/G02 F 160,000.00 ZZ 360 159,520.53 1 7.500 1,118.75 80 7.250 1,118.75 BAY SHORE NY 11706 5 10/29/02 00 0434966966 05 12/01/02 0 0100133339 O 11/01/32 0 8212153 X64/G02 F 109,000.00 ZZ 360 108,695.52 1 6.375 680.02 71 6.125 680.02 OAK PARK MI 48237 5 11/08/02 00 0434989026 05 01/01/03 0 94018501 O 12/01/32 0 8214151 Q49/G02 F 63,270.00 ZZ 360 63,135.18 1 7.750 453.27 90 7.500 453.27 PLAINFIELD NJ 07060 1 11/12/02 01 0434973285 05 01/01/03 25 30106902 N 12/01/32 0 8214705 X31/G02 F 260,000.00 ZZ 360 259,340.95 1 6.875 1,708.01 80 6.625 1,708.01 LOS ANGELES CA 90006 2 11/07/02 00 0434978284 05 01/01/03 0 40104895 O 12/01/32 0 1 8216383 M18/G02 F 223,250.00 ZZ 360 222,613.60 4 7.750 1,599.39 95 7.500 1,599.39 SAN BERNARDINO CA 92404 1 10/22/02 11 0434978227 05 12/01/02 35 980102042 O 11/01/32 0 8216881 L20/G02 F 240,000.00 ZZ 360 239,345.58 1 6.500 1,516.96 80 6.250 1,516.96 NORTH OGDEN UT 84414 5 11/08/02 00 0434978417 05 01/01/03 0 1061070028 O 12/01/32 0 8216939 L20/G02 F 66,870.00 ZZ 360 66,678.66 1 6.250 411.73 90 6.000 411.73 OGDEN UT 84404 1 11/15/02 14 0434978607 05 01/01/03 25 1061070074 N 12/01/32 0 8217449 G51/G02 F 379,000.00 ZZ 360 376,508.80 1 6.375 2,364.47 66 6.125 2,364.47 BONITA SPRINGS FL 34135 5 11/08/02 00 0435006358 03 01/01/03 0 25001016 O 12/01/32 0 8217693 F89/G02 F 92,000.00 ZZ 360 91,656.43 1 6.375 573.96 80 6.125 573.96 MADERA CA 93637 1 10/28/02 00 0434955423 05 12/01/02 0 40023667 N 11/01/32 0 8218751 T44/G02 F 245,000.00 ZZ 360 242,288.85 1 1 6.500 1,548.57 75 6.250 1,548.57 NEVADA CITY CA 95959 5 10/21/02 00 0434963922 05 12/01/02 0 1048006 O 11/01/32 0 8222075 X67/G02 F 124,800.00 ZZ 360 124,459.70 1 6.500 788.82 80 6.250 788.82 TACOMA WA 98405 5 11/06/02 00 0434988879 05 01/01/03 0 00280032 O 12/01/32 0 8222457 W40/G02 F 65,175.00 ZZ 360 64,793.01 1 6.875 428.15 79 6.625 428.15 GRAND RAPIDS MI 49508 5 11/08/02 00 0434961629 05 01/01/03 0 102010729 O 12/01/32 0 8222765 X67/G02 F 93,600.00 ZZ 360 93,381.00 1 7.375 646.47 80 7.125 646.47 APPLE VALLEY CA 92308 5 11/01/02 00 0434999017 05 01/01/03 0 00270819 N 12/01/32 0 8228529 X08/G02 F 195,000.00 ZZ 360 194,455.28 1 6.375 1,216.55 75 6.125 1,216.55 RIVERTON UT 84065 5 11/11/02 00 0435000567 05 01/01/03 0 6014603 O 12/01/32 0 8229297 B57/G02 F 245,000.00 ZZ 360 244,314.11 1 6.375 1,528.48 59 6.125 1,528.48 LOS ANGELES CA 91342 1 11/09/02 00 0434975686 05 01/01/03 0 1 35000331 O 12/01/32 0 8229415 144/144 F 64,600.00 ZZ 360 64,358.76 1 6.375 403.02 95 6.125 403.02 MONROE BLOOMING NY 10950 1 11/01/02 04 160702761 01 12/01/02 30 160702761 O 11/01/32 0 8237345 168/168 F 263,200.00 ZZ 360 262,516.34 1 6.750 1,707.11 80 6.500 1,707.11 STONY POINT NY 10980 1 11/20/02 00 0089319206 05 01/01/03 0 0089319206 O 12/01/32 0 8239257 F36/G02 F 143,520.00 ZZ 360 143,156.21 2 6.875 942.82 78 6.625 942.82 PORT ORCHARD WA 98366 2 11/18/02 00 0434989331 05 01/01/03 0 06405316 N 12/01/32 0 8243077 E22/G02 F 178,125.00 ZZ 360 177,745.40 1 7.750 1,276.11 95 7.500 1,276.11 MIAMI FL 33145 1 11/27/02 04 0415556786 05 01/01/03 35 0415556786 O 12/01/32 0 8248571 X82/G02 F 360,000.00 ZZ 360 357,675.71 1 6.500 2,275.44 80 6.250 2,275.44 WASHINGTON VA 22747 5 08/28/02 00 0435354790 05 10/01/02 0 836607 O 09/01/32 0 1 8251103 E82/G02 F 170,000.00 ZZ 360 169,699.19 1 6.625 1,088.53 98 6.375 1,088.53 LAS VEGAS NV 89107 2 11/27/02 10 0400737862 05 02/01/03 35 2771163 O 01/01/33 0 8257701 F60/G02 F 95,600.00 ZZ 360 95,313.06 1 6.000 573.17 75 5.750 573.17 BREAUX BRIDGE LA 70517 5 11/22/02 00 0435123302 05 01/01/03 0 64752 O 12/01/32 0 8262699 E22/G02 F 116,000.00 ZZ 360 115,799.70 1 6.750 752.37 80 6.500 752.37 MONTEBELLO CA 90640 5 11/27/02 00 0415471440 01 02/01/03 0 0415471440 O 01/01/33 0 8263903 G52/G02 F 212,500.00 ZZ 360 211,574.86 1 6.750 1,378.27 71 6.500 1,378.27 OLATHE KS 66062 2 09/10/02 00 0435076708 05 11/01/02 0 4405006059 O 10/01/32 0 8264573 K15/G02 F 186,200.00 ZZ 240 185,020.28 1 6.250 1,360.99 83 6.000 1,360.99 NORTH HAVEN CT 06473 5 11/22/02 41 0435046511 05 01/01/03 12 037405504448 O 12/01/22 0 8266861 E22/G02 F 157,050.00 ZZ 360 156,680.22 1 7.250 1,071.36 90 7.000 1,071.36 1 DEERFIELD WI 53531 1 12/06/02 01 0415646371 05 01/01/03 25 0415646371 O 12/01/32 0 8273093 E22/G02 F 71,000.00 ZZ 360 70,894.29 1 7.500 496.44 75 7.250 496.44 HOUSTON TX 77099 5 12/10/02 00 0415267459 03 02/01/03 0 0415267459 N 01/01/33 0 8275819 696/G02 F 376,000.00 ZZ 360 374,999.28 1 6.625 2,407.57 80 6.375 2,407.57 RESTON VA 20191 1 11/26/02 00 0435283999 03 01/01/03 0 25502267 O 12/01/32 0 8275849 696/G02 F 341,900.00 ZZ 360 340,944.94 1 6.375 2,133.01 78 6.125 2,133.01 BRISTOW VA 20136 2 11/26/02 00 0435146170 03 01/01/03 0 25902152 O 12/01/32 0 8276211 K15/G02 F 80,200.00 ZZ 360 80,029.80 1 6.875 526.86 82 6.625 526.86 MAPLE HEIGHTS OH 44137 5 12/03/02 41 0435059308 05 02/01/03 12 028605504500 O 01/01/33 0 8276647 940/G02 F 151,920.00 ZZ 360 151,505.75 1 6.500 960.24 80 6.250 960.24 FONTANA CA 92335 1 11/15/02 00 0435113303 03 01/01/03 0 40020900 O 12/01/32 0 1 8278497 M96/G02 F 121,400.00 ZZ 360 121,164.37 1 7.375 838.48 90 7.125 838.48 HOLTON MI 49425 1 12/06/02 10 0435116439 05 02/01/03 25 200202864 O 01/01/33 0 8279239 E85/G02 F 259,000.00 ZZ 360 257,935.98 1 5.875 1,532.08 57 5.625 1,532.08 NOVATO CA 94947 5 11/22/02 00 0435064217 05 01/01/03 0 9616391 O 12/01/32 0 8283473 286/286 F 60,200.00 ZZ 360 59,995.92 2 6.875 395.48 48 6.625 395.48 JOLIET IL 60435 2 10/17/02 00 1584361 05 12/01/02 0 1584361 N 11/01/32 0 8283697 286/286 F 66,500.00 ZZ 360 66,295.72 1 7.375 459.30 70 7.125 459.30 ST LOUIS MO 63111 5 10/29/02 00 1686899 05 12/01/02 0 1686899 N 11/01/32 0 8283719 286/286 F 78,350.00 ZZ 360 77,950.52 1 6.500 495.23 70 6.250 495.23 LAS VEGAS NV 89108 2 10/10/02 00 1658664 01 12/01/02 0 1658664 N 11/01/32 0 8283727 286/286 F 77,600.00 ZZ 360 77,198.19 1 1 6.500 490.49 70 6.250 490.49 LAS VEGAS NV 89108 2 10/10/02 00 1658674 01 12/01/02 0 1658674 N 11/01/32 0 8283731 286/286 F 78,300.00 ZZ 360 77,900.37 1 6.500 494.91 70 6.250 494.91 LAS VEGAS NV 89108 2 10/10/02 00 1658681 01 12/01/02 0 1658681 N 11/01/32 0 8283735 286/286 F 60,600.00 ZZ 360 60,152.22 1 6.500 383.04 55 6.250 383.04 LAS VEGAS NV 89108 2 10/09/02 00 1658687 01 12/01/02 0 1658687 N 11/01/32 0 8283741 286/286 F 60,400.00 ZZ 360 59,952.74 1 6.500 381.77 54 6.250 381.77 LAS VEGAS NV 89108 2 10/09/02 00 1659368 01 12/01/02 0 1659368 N 11/01/32 0 8283929 286/286 F 45,000.00 ZZ 360 44,799.29 1 6.625 288.14 53 6.375 288.14 DETROIT MI 48235 5 09/06/02 00 1531770 05 11/01/02 0 1531770 N 10/01/32 0 8283979 286/286 F 91,000.00 ZZ 360 90,437.50 1 6.500 575.19 73 6.250 575.19 MAPLE SHADE NJ 08052 5 10/21/02 00 1541023 05 12/01/02 0 1 1541023 N 11/01/32 0 8284239 286/286 F 199,000.00 ZZ 360 198,206.69 1 6.250 1,225.28 74 6.000 1,225.28 SANTA CLARITA CA 91354 5 10/29/02 00 1599338 05 12/01/02 0 1599338 N 11/01/32 0 8284253 286/286 F 83,150.00 ZZ 300 82,801.70 1 6.250 548.52 64 6.000 548.52 TACOMA WA 98407 5 11/15/02 00 1721845 05 01/01/03 0 1721845 N 12/01/27 0 8284291 286/286 F 102,500.00 ZZ 360 102,220.51 1 6.500 647.87 62 6.250 647.87 LAKEWOOD WA 98498 2 11/25/02 00 1748043 05 01/01/03 0 1748043 N 12/01/32 0 8284441 286/286 F 100,000.00 ZZ 360 99,635.44 1 6.500 632.07 47 6.250 632.07 NORTH PORT FL 34281 1 10/11/02 00 1667663 03 12/01/02 0 1667663 N 11/01/32 0 8284671 286/286 F 48,000.00 ZZ 360 47,783.04 1 6.875 315.33 80 6.625 315.33 PARMA ID 83660 1 10/31/02 00 0001253131 05 12/01/02 0 0001253131 N 11/01/32 0 1 8284699 N74/G02 F 139,050.00 ZZ 360 138,679.92 1 6.625 890.35 90 6.375 890.35 HILLSBOROUGH NC 27278 2 11/27/02 10 0435125596 04 01/03/03 25 0031217010 O 12/03/32 0 8285023 L16/G02 F 126,000.00 ZZ 360 125,680.62 4 6.875 827.73 90 6.625 827.73 BAKERSFIELD CA 93301 1 11/21/02 04 0435098215 05 01/01/03 25 8238 N 12/01/32 0 8286597 E47/G02 F 255,600.00 ZZ 360 254,952.10 2 6.875 1,679.11 72 6.625 1,679.11 SAN LEANDRO CA 94578 5 11/20/02 00 0435429782 05 01/01/03 0 7359520926 N 12/01/32 0 8287445 286/286 F 358,000.00 ZZ 360 356,726.05 1 6.625 2,292.32 70 6.375 2,292.32 ANGOLA IN 46703 5 10/25/02 00 1589646 05 12/01/02 0 1589646 O 11/01/32 0 8287677 286/286 F 93,700.00 ZZ 360 93,374.55 1 6.750 607.74 79 6.500 607.74 TEHACHAPI CA 93561 5 10/25/02 00 1553201 05 12/01/02 0 1553201 N 11/01/32 0 8287763 286/286 F 192,000.00 ZZ 360 191,282.96 2 6.375 1,197.84 80 6.125 1,197.84 1 CHICAGO IL 60612 5 10/17/02 00 1537812 05 12/01/02 0 1537812 O 11/01/32 0 8288455 K31/G02 F 123,000.00 ZZ 360 122,680.50 1 6.750 797.78 75 6.500 797.78 ATLANTA GA 30314 5 11/25/02 00 0435294285 05 01/01/03 0 2095030220 N 12/01/32 0 8288669 286/286 F 48,750.00 ZZ 360 48,572.24 1 6.500 308.14 75 6.250 308.14 ANDERSON IN 46016 5 10/30/02 00 1710772 05 12/01/02 0 1710772 N 11/01/32 0 8289735 286/286 F 86,250.00 ZZ 360 85,943.07 1 6.625 552.27 75 6.375 552.27 BREMERTON WA 98310 5 10/24/02 00 1602986 05 12/01/02 0 1602986 N 11/01/32 0 8290303 286/286 F 27,000.00 ZZ 360 26,921.06 1 7.625 191.11 75 7.375 191.11 ANDERSON IN 46016 5 10/28/02 00 1649335 05 12/01/02 0 1649335 N 11/01/32 0 8292497 E22/G02 F 52,500.00 ZZ 360 52,415.79 1 7.125 353.70 79 6.875 353.70 PONTIAC MI 48341 5 12/16/02 00 0415689140 05 02/01/03 0 0415689140 N 01/01/33 0 1 8292523 E22/G02 F 432,000.00 ZZ 360 431,197.63 1 6.375 2,695.12 31 6.125 2,695.12 MILL VALLEY CA 94941 5 12/09/02 00 0415525831 05 02/01/03 0 0415525831 O 01/01/33 0 8293851 P59/G02 F 200,250.00 ZZ 360 199,878.07 1 6.375 1,249.30 90 6.125 1,249.30 BAKERSFIELD CA 93312 1 12/04/02 01 0435114640 05 02/01/03 25 AT005013 O 01/01/33 0 8294337 K15/G02 F 115,900.00 ZZ 360 115,626.81 1 7.500 810.39 95 7.250 810.39 TALLAHASSEE FL 32303 5 12/09/02 41 0435119565 05 02/01/03 30 009805505023 O 01/01/33 0 8296231 E22/G02 F 300,700.00 ZZ 360 300,141.50 1 6.375 1,875.98 80 6.125 1,875.98 AURORA CO 80015 2 12/12/02 00 0415479971 03 02/01/03 0 0415479971 O 01/01/33 0 8296275 E22/G02 F 103,000.00 ZZ 360 102,813.27 1 6.500 651.03 77 6.250 651.03 WEST PALLM BEAC FL 33415 2 12/12/02 00 0415572304 05 02/01/03 0 0415572304 O 01/01/33 0 8302339 S25/G02 F 45,900.00 ZZ 240 45,583.80 1 1 6.250 335.50 90 6.000 335.50 MEMPHIS TN 38128 5 12/03/02 11 0435128079 05 01/09/03 25 427081659 O 12/09/22 0 8303621 E22/G02 F 166,950.00 ZZ 360 166,701.42 3 7.500 1,167.34 90 7.250 1,167.34 ELIZABETH NJ 07206 1 12/19/02 10 0415480177 05 02/01/03 12 0415480177 N 01/01/33 0 8305831 B28/G02 F 191,000.00 ZZ 360 190,637.98 1 6.500 1,207.25 74 6.250 1,207.25 ALGONQUIN IL 60102 2 12/11/02 00 0435128624 05 02/01/03 0 03001005 O 01/01/33 0 8306587 J95/G02 F 83,200.00 ZZ 360 83,085.10 1 7.875 603.26 80 7.625 603.26 HESPERIA CA 92345 5 12/05/02 00 0435291596 05 02/01/03 0 0040161085 N 01/01/33 0 8308981 J95/G02 F 77,600.00 ZZ 360 77,492.83 1 7.875 562.66 80 7.625 562.66 APPLE VALLEY CA 92308 5 12/05/02 00 0435129812 05 02/01/03 0 0040160525 N 01/01/33 0 8312939 E22/G02 F 273,000.00 ZZ 360 272,492.96 1 6.375 1,703.16 70 6.125 1,703.16 SANTA FE NM 87505 5 12/19/02 00 0415633270 05 02/01/03 0 1 0415633270 O 01/01/33 0 8315577 U42/G02 F 115,000.00 ZZ 360 114,810.91 1 7.000 765.10 68 6.750 765.10 FORT WORTH TX 76108 5 12/09/02 00 0435181037 05 02/01/03 0 33201273 O 01/01/33 0 8317445 624/G02 F 284,700.00 ZZ 360 284,171.22 1 6.375 1,776.16 80 6.125 1,776.16 BRENTWOOD CA 94513 1 12/18/02 00 0435142666 03 02/01/03 0 1000019151 O 01/01/33 0 8319833 X05/G02 F 125,000.00 ZZ 360 124,789.37 1 6.875 821.16 65 6.625 821.16 OCEANSIDE CA 92057 5 12/11/02 00 0435431341 05 02/01/03 0 01210229 N 01/01/33 0 8321175 E22/G02 F 224,000.00 ZZ 360 223,552.91 1 6.000 1,342.99 50 5.750 1,342.99 SUNNYVALE CA 94089 2 12/18/02 00 0415445972 05 02/01/03 0 0415445972 O 01/01/33 0 8321679 X31/G02 F 62,000.00 ZZ 360 61,882.05 1 6.250 381.74 38 6.000 381.74 MORENO VALLEY CA 92553 2 12/16/02 00 0435154745 05 02/01/03 0 24000494 O 01/01/33 0 1 8330349 Q73/G02 F 175,275.00 ZZ 360 174,986.82 1 7.000 1,166.11 95 6.750 1,166.11 PEARL MS 39208 1 12/27/02 11 0435229984 05 02/01/03 25 3019386 O 01/01/33 0 8330443 A50/G02 F 340,000.00 ZZ 360 339,138.15 1 6.875 2,233.56 80 6.625 2,233.56 TUSCALOOSA AL 35406 2 12/03/02 00 0435276944 05 01/01/03 0 628636 O 12/01/32 0 8335577 E82/G02 F 56,700.00 ZZ 360 56,649.97 1 6.625 363.06 58 6.375 363.06 HIRAM GA 30141 2 01/02/03 00 0400738274 05 03/01/03 0 1770183 N 02/01/33 0 8335861 E22/G02 F 256,400.00 ZZ 360 256,173.78 2 6.625 1,641.76 87 6.375 1,641.76 NEW BRUNSWICK NJ 08901 2 12/30/02 10 0415738228 05 03/01/03 12 0415738228 O 02/01/33 0 8339467 253/253 F 400,000.00 ZZ 360 399,309.26 1 6.750 2,594.40 80 6.500 2,594.40 LIBERTY HILL TX 78642 2 04/12/02 00 993242 05 02/01/03 0 993242 O 01/01/33 0 8341435 W53/G02 F 67,900.00 ZZ 360 67,782.75 1 6.750 440.40 56 6.500 440.40 1 ROUND ROCK TX 78664 1 12/20/02 00 0435335039 05 02/01/03 0 1501000048 O 01/01/33 0 8342785 K56/G02 F 288,750.00 ZZ 360 288,226.51 1 6.500 1,825.10 77 6.250 1,825.10 TERREBONNE OR 97760 5 12/19/02 00 0435429592 05 02/01/03 0 1270045 O 01/01/33 0 8342789 N47/G02 F 235,000.00 ZZ 360 234,552.88 1 6.250 1,446.94 32 6.000 1,446.94 REDWOOD CITY CA 94065 5 12/19/02 00 0435261441 03 02/01/03 0 30501051 O 01/01/33 0 8342817 P32/G02 F 405,000.00 ZZ 360 404,606.37 1 6.125 2,460.82 75 5.875 2,460.82 ATLANTA GA 30319 5 01/02/03 00 0435264890 05 03/01/03 0 0661609 O 02/01/33 0 8344095 Q87/G02 F 124,000.00 ZZ 360 123,618.85 1 5.875 733.51 80 5.625 733.51 OAKLAND TN 38060 5 12/21/02 00 0435249495 05 01/27/03 0 CAJW01 O 12/27/32 0 8346181 J95/G02 F 84,000.00 ZZ 360 83,884.00 1 7.875 609.06 80 7.625 609.06 APPLE VALLEY CA 92308 5 12/05/02 00 0435288352 05 02/01/03 0 0040194433 N 01/01/33 0 1 8346333 E82/G02 F 162,500.00 ZZ 360 162,349.49 1 6.375 1,013.79 38 6.125 1,013.79 LOS ANGELES CA 90018 2 12/31/02 00 0400728069 05 03/01/03 0 0400728069 O 02/01/33 0 8346659 956/956 F 370,000.00 ZZ 360 369,261.13 1 6.000 2,218.34 78 5.750 2,218.34 SAUGUS CA 91390 2 12/12/02 00 2912110033 03 02/01/03 0 2912110033 O 01/01/33 0 8347567 T44/G02 F 120,600.00 ZZ 360 120,406.55 1 7.125 812.50 90 6.875 812.50 CRANSTON RI 02920 1 12/20/02 04 0435409867 05 02/01/03 25 1062621 N 01/01/33 0 8347786 Q51/G02 F 399,000.00 ZZ 360 398,639.30 1 6.500 2,521.95 67 6.250 2,521.95 IRVINE CA 92618 2 01/23/03 00 0435351481 05 03/01/03 0 0667129 N 02/01/33 0 8348128 E23/G02 F 124,000.00 ZZ 360 123,895.83 2 6.875 814.59 80 6.625 814.59 SACRAMENTO CA 95817 1 01/16/03 00 0435360631 05 03/01/03 0 64000436 N 02/01/33 0 8348504 R68/G02 F 140,000.00 ZZ 360 140,000.00 1 1 6.625 896.44 80 6.375 896.44 COOPER CITY FL 33026 1 02/14/03 00 0435409313 09 04/01/03 0 20030542 O 03/01/33 0 8348604 E23/G02 F 90,000.00 ZZ 360 89,918.64 1 6.500 568.86 80 6.250 568.86 LONG BEACH CA 90802 1 01/24/03 00 0435360748 08 03/01/03 0 51025014 N 02/01/33 0 8348616 E23/G02 F 360,000.00 ZZ 360 359,650.10 1 6.125 2,187.40 75 5.875 2,187.40 SAN DIEGO CA 92129 5 01/22/03 00 0435360920 05 03/01/03 0 11016879 O 02/01/33 0 8349018 U66/G02 F 488,000.00 ZZ 360 487,646.80 1 7.625 3,454.03 80 7.375 3,454.03 HOUSTON TX 77024 1 01/31/03 00 0435369251 05 03/01/03 0 0672027 O 02/01/33 0 8349200 E23/G02 F 284,000.00 ZZ 360 283,730.53 1 6.250 1,748.64 80 6.000 1,748.64 SANTA ROSA CA 95401 2 01/29/03 00 0435400585 05 03/01/03 0 62005523 O 02/01/33 0 8349372 R68/G02 F 88,200.00 ZZ 360 88,200.00 1 6.500 557.48 90 6.250 557.48 POMPANO BEACH FL 33064 1 02/20/03 10 0435461363 05 04/01/03 25 1 20030566 N 03/01/33 0 8350294 E23/G02 F 383,500.00 ZZ 360 383,500.00 1 6.250 2,361.28 76 6.000 2,361.28 YORBA LINDA CA 92887 2 02/06/03 00 0435452404 05 04/01/03 0 51023830 O 03/01/33 0 8350864 E23/G02 F 120,000.00 ZZ 360 120,000.00 1 6.250 738.86 80 6.000 738.86 MADISON CA 95653 1 02/03/03 00 0435411202 05 04/01/03 0 64000536 O 03/01/33 0 8350896 E23/G02 F 244,000.00 ZZ 360 243,768.48 1 6.250 1,502.35 80 6.000 1,502.35 ALBION CA 95410 5 01/29/03 00 0435428735 05 03/01/03 0 62005552 O 02/01/33 0 8350948 E23/G02 F 298,000.00 ZZ 360 298,000.00 3 6.500 1,883.56 77 6.250 1,883.56 SAN DIEGO CA 92113 2 02/10/03 00 0435428339 05 04/01/03 0 11016988 N 03/01/33 0 8351036 E23/G02 F 189,600.00 ZZ 360 189,600.00 1 6.500 1,198.40 80 6.250 1,198.40 LINCOLN CA 95648 1 02/10/03 00 0435429840 05 04/01/03 0 11017669 N 03/01/33 0 1 8351148 E23/G02 F 490,000.00 ZZ 360 490,000.00 1 6.625 3,137.52 70 6.375 3,137.52 ENUMCLAW WA 98022 5 02/11/03 00 0435429311 05 04/01/03 0 11016904 O 03/01/33 0 8351204 W98/G02 F 525,000.00 ZZ 360 525,000.00 1 6.375 3,275.32 75 6.125 3,275.32 SILVER SPRING MD 20904 5 02/10/03 00 0435427752 05 04/01/03 0 L0212001 O 03/01/33 0 8351344 E23/G02 F 320,000.00 ZZ 360 320,000.00 1 6.375 1,996.38 78 6.125 1,996.38 NORTH HOLLYWOOD CA 91605 2 02/11/03 00 0435429931 05 04/01/03 0 51025626 O 03/01/33 0 8352404 E23/G02 F 464,000.00 ZZ 360 464,000.00 1 6.250 2,856.93 80 6.000 2,856.93 RANCHO MIRAGE CA 92270 5 02/14/03 00 0435492624 03 04/01/03 0 11016816 O 03/01/33 0 8352488 E23/G02 F 190,000.00 ZZ 360 190,000.00 1 6.125 1,154.46 76 5.875 1,154.46 LOS ANGELES CA 90604 5 02/05/03 00 0435486345 05 04/01/03 0 51022596 O 03/01/33 0 8352528 E23/G02 F 350,000.00 ZZ 360 350,000.00 1 6.250 2,155.01 76 6.000 2,155.01 1 ATASCADERO CA 93422 5 02/11/03 00 0435461652 05 04/01/03 0 63000802 O 03/01/33 0 8352544 E23/G02 F 480,000.00 ZZ 360 480,000.00 1 6.125 2,916.53 75 5.875 2,916.53 POWAY CA 92064 5 02/21/03 00 0435496815 05 04/01/03 0 61009853 O 03/01/33 0 8353228 W98/G02 F 175,200.00 ZZ 360 175,200.00 1 6.125 1,064.53 80 5.875 1,064.53 ASHBURN VA 20147 5 02/28/03 00 0435488002 09 04/01/03 0 L0302012 O 03/01/33 0 8353510 E23/G02 F 312,800.00 ZZ 360 312,800.00 2 6.125 1,900.61 80 5.875 1,900.61 TRACY CA 95377 1 02/20/03 00 0435478961 05 04/01/03 0 61009877 O 03/01/33 0 8353566 W98/G02 F 156,000.00 ZZ 360 156,000.00 1 6.125 947.87 57 5.875 947.87 MILTON DE 19968 5 02/27/03 00 0435485479 05 04/01/03 0 L0302010 O 03/01/33 0 8353704 E23/G02 F 375,000.00 ZZ 360 375,000.00 1 6.125 2,278.54 75 5.875 2,278.54 RANCHO SANTA MA CA 92679 5 02/25/03 00 0435496757 03 04/01/03 0 51024323 O 03/01/33 0 1 8353774 E23/G02 F 420,000.00 ZZ 360 420,000.00 1 6.125 2,551.96 74 5.875 2,551.96 RANCHO SANTA MA CA 92679 5 02/25/03 00 0435496831 03 04/01/03 0 51025489 O 03/01/33 0 8353808 E23/G02 F 308,000.00 ZZ 360 308,000.00 1 6.000 1,846.62 80 5.750 1,846.62 ANTIOCH CA 94531 5 02/19/03 00 0435486071 05 04/01/03 0 61010100 O 03/01/33 0 8353816 E23/G02 F 314,300.00 ZZ 360 314,300.00 1 6.250 1,935.20 70 6.000 1,935.20 LOS ANGELES CA 91403 1 02/21/03 00 0435486295 05 04/01/03 0 51026027 N 03/01/33 0 8354553 E82/G02 F 279,300.00 ZZ 360 279,047.51 1 6.500 1,765.37 76 6.250 1,765.37 PUYALLUP WA 98372 2 01/10/03 00 0400754602 05 03/01/03 0 2827181 O 02/01/33 0 8355105 E22/G02 F 330,000.00 ZZ 360 329,679.27 1 6.125 2,005.11 77 5.875 2,005.11 BIRMINGHAM AL 35223 5 01/08/03 00 0415780444 05 03/01/03 0 0415780444 O 02/01/33 0 8355463 X67/G02 F 83,200.00 ZZ 360 83,072.99 1 1 7.375 574.64 80 7.125 574.64 HESPERIA CA 92345 5 12/16/02 00 0435298856 05 02/01/03 0 00281256 N 01/01/33 0 8355655 A06/G02 F 96,000.00 ZZ 360 95,913.21 1 6.500 606.79 80 6.250 606.79 REDFORD TWP MI 48240 2 01/28/03 00 0435259551 05 03/01/03 0 021000020232101 O 02/01/33 0 8356141 S54/G02 F 32,250.00 ZZ 360 32,226.65 1 7.625 228.27 75 7.375 228.27 INDIANAPOLIS IN 46222 5 01/13/03 00 0435332150 05 03/01/03 0 7631670 N 02/01/33 0 8356157 P09/G02 F 242,000.00 ZZ 360 241,747.33 1 5.750 1,412.25 72 5.500 1,412.25 VIRGINIA BEACH VA 23454 5 01/08/03 00 0435329644 05 03/01/03 0 R0211047 O 02/01/33 0 8356193 P34/G02 F 222,300.00 ZZ 360 221,916.12 1 6.750 1,441.84 60 6.500 1,441.84 REHOBOTH MA 02769 2 12/23/02 00 0435281597 05 02/01/03 0 62163 N 01/01/33 0 8357369 U35/G02 F 76,950.00 ZZ 360 76,878.73 1 6.375 480.07 90 6.125 480.07 DAVENPORT IA 52806 5 01/10/03 01 0435395769 05 03/01/03 25 1 0007607867 O 02/01/33 0 8359553 N67/G02 F 318,750.00 ZZ 360 318,128.80 1 6.125 1,936.76 75 5.875 1,936.76 SCOTTSDALE AZ 85258 5 12/02/02 00 0435202585 03 02/01/03 0 1760003361 O 01/01/33 0 8365041 E22/G02 F 164,000.00 ZZ 360 163,855.31 1 6.625 1,050.11 80 6.375 1,050.11 GILBERT AZ 85234 1 01/15/03 00 0415756980 03 03/01/03 0 0415756980 O 02/01/33 0 8366613 U05/G02 F 255,000.00 ZZ 360 254,746.15 1 6.000 1,528.85 38 5.750 1,528.85 LIVINGSTON MT 59047 2 01/03/03 00 0435232442 05 03/01/03 0 3273943 O 02/01/33 0 8371973 E22/G02 F 193,500.00 ZZ 360 193,341.39 4 7.000 1,287.36 90 6.750 1,287.36 BELLE CHASSE LA 70037 2 01/17/03 01 0415587872 05 03/01/03 25 0415587872 N 02/01/33 0 8372197 P33/G02 F 112,500.00 ZZ 360 112,310.44 1 6.875 739.04 74 6.625 739.04 PORT SAINT LUCI FL 34983 5 12/30/02 00 0435285861 05 02/01/03 0 13600325 O 01/01/33 0 1 8372771 U05/G02 F 146,000.00 ZZ 240 145,679.30 1 5.875 1,035.49 56 5.625 1,035.49 SAN ANTONIO TX 78213 5 01/09/03 00 0435351689 05 03/01/03 0 3298923 O 02/01/23 0 8373039 U05/G02 F 372,000.00 ZZ 360 371,647.03 1 6.250 2,290.47 80 6.000 2,290.47 AUDUBON PA 19403 1 01/17/03 00 0435367339 03 03/01/03 0 3277856 O 02/01/33 0 8375883 964/G02 F 322,700.00 ZZ 360 322,386.35 1 6.125 1,960.76 44 5.875 1,960.76 SAN FRANCISCO CA 94116 5 01/02/03 00 0435295373 05 03/01/03 0 316007 O 02/01/33 0 8376007 964/G02 F 166,000.00 ZZ 360 165,660.69 1 5.875 981.95 49 5.625 981.95 COSTA MESA CA 92627 2 12/24/02 00 0435275029 01 02/01/03 0 306910 O 01/01/33 0 8376057 964/G02 F 250,000.00 ZZ 360 249,467.72 1 5.875 1,478.85 46 5.625 1,478.85 POINT REYES STA CA 94956 5 12/11/02 00 0435251558 05 02/01/03 0 294975 O 01/01/33 0 8376071 964/G02 F 243,600.00 ZZ 360 243,136.52 1 6.250 1,499.89 80 6.000 1,499.89 1 LONG BEACH CA 90815 1 12/26/02 00 0435248752 05 02/01/03 0 317500 O 01/01/33 0 8376153 964/G02 F 190,000.00 ZZ 360 189,655.55 1 6.500 1,200.93 89 6.250 1,200.93 ELK GROVE CA 95758 1 12/30/02 01 0435274758 05 02/01/03 17 272121 O 01/01/33 0 8376155 964/G02 F 105,000.00 ZZ 360 104,804.99 1 6.375 655.06 75 6.125 655.06 LAS VEGAS NV 89110 2 12/23/02 00 0435281886 05 02/01/03 0 321511 O 01/01/33 0 8376221 964/G02 F 125,000.00 ZZ 360 124,650.50 1 6.000 749.44 17 5.750 749.44 LAGUNA BEACH CA 92651 5 12/30/02 00 0435285994 05 02/01/03 0 309577 O 01/01/33 0 8376243 964/G02 F 150,000.00 ZZ 360 149,693.38 1 5.875 887.31 33 5.625 887.31 MONTEREY CA 93940 5 12/19/02 00 0435276985 05 02/01/03 0 286581 O 01/01/33 0 8376253 964/G02 F 145,000.00 ZZ 360 144,703.61 1 5.875 857.73 37 5.625 857.73 PORTLAND OR 97212 2 12/29/02 00 0435254958 05 02/01/03 0 311015 O 01/01/33 0 1 8376297 964/G02 F 186,800.00 ZZ 360 186,427.15 1 6.000 1,119.96 37 5.750 1,119.96 FULLERTON CA 92835 2 12/18/02 00 0435257365 05 02/01/03 0 309134 O 01/01/33 0 8376425 964/G02 F 118,500.00 ZZ 360 118,274.53 1 6.250 729.63 16 6.000 729.63 BERKELEY CA 94705 5 12/23/02 00 0435247846 05 02/01/03 0 296277 O 01/01/33 0 8376463 964/G02 F 204,000.00 ZZ 360 203,621.12 1 6.375 1,272.69 80 6.125 1,272.69 PARK CITY UT 84060 5 12/23/02 00 0435249487 05 02/01/03 0 306844 O 01/01/33 0 8376501 964/G02 F 125,000.00 ZZ 360 124,744.50 1 5.875 739.42 14 5.625 739.42 HUNTINGTON BEAC CA 92648 2 12/12/02 00 0435275284 03 02/01/03 0 302096 O 01/01/33 0 8377005 E82/G02 F 114,500.00 ZZ 360 114,383.26 1 5.875 677.31 77 5.625 677.31 WENATCHEE WA 98801 2 01/17/03 00 0400760153 05 03/01/03 0 4941159 O 02/01/33 0 8377471 E22/G02 F 490,000.00 ZZ 360 489,535.07 1 1 6.250 3,017.01 14 6.000 3,017.01 JOHNS ISLAND SC 29455 2 01/15/03 00 0415737477 05 03/01/03 0 0415737477 O 02/01/33 0 8377903 U05/G02 F 424,000.00 ZZ 360 423,212.49 1 6.375 2,645.21 80 6.125 2,645.21 SAN LEANDRO CA 94577 2 12/19/02 00 0435321930 05 02/01/03 0 3286339 O 01/01/33 0 8378107 E47/G02 F 92,000.00 ZZ 360 91,914.79 1 6.375 573.96 80 6.125 573.96 SAN ANTONIO TX 78232 5 01/14/03 00 0435283692 05 03/01/03 0 7329013060 N 02/01/33 0 8380335 U05/G02 F 58,500.00 ZZ 360 58,456.59 2 7.500 409.04 90 7.250 409.04 COLUMBUS OH 43204 1 01/08/03 10 0435466644 05 03/01/03 25 3293025 N 02/01/33 0 8380475 E22/G02 F 118,125.00 ZZ 360 117,961.88 4 7.875 856.49 90 7.625 856.49 NORTH AUGUSTA SC 29841 2 12/30/02 11 0415040401 05 02/01/03 25 0415040401 N 01/01/33 0 8380699 A06/G02 F 300,700.00 ZZ 360 300,414.68 1 6.250 1,851.47 37 6.000 1,851.47 BLOOMFIELD HILL MI 48302 5 01/16/03 00 0435281472 05 03/01/03 0 1 021000020233483 O 02/01/33 0 8381019 286/286 F 229,500.00 ZZ 360 228,126.89 1 6.875 1,507.66 90 6.625 1,507.66 AUSTIN TX 78735 2 07/18/02 10 1440132 03 09/01/02 25 1440132 O 08/01/32 0 8381025 286/286 F 128,000.00 ZZ 360 127,345.47 1 6.875 840.87 80 6.625 840.87 NEW ORLEANS LA 70130 2 08/14/02 00 1487591 01 10/01/02 0 1487591 O 09/01/32 0 8381037 286/286 F 370,000.00 ZZ 360 368,941.27 1 6.250 2,278.16 45 6.000 2,278.16 NEWTOWN CT 06470 2 11/06/02 00 1634106 05 01/01/03 0 1634106 O 12/01/32 0 8381043 286/286 F 100,000.00 ZZ 360 99,739.51 1 6.750 648.60 80 6.500 648.60 VIRGINIA BEACH VA 23464 5 11/07/02 00 1520455 05 01/01/03 0 1520455 N 12/01/32 0 8381061 286/286 F 319,000.00 ZZ 360 316,266.40 2 7.750 2,285.36 42 7.500 2,285.36 WASHINGTON DC 20009 2 05/24/02 00 1311835 05 07/01/02 0 1311835 O 06/01/32 0 1 8381077 286/286 F 130,000.00 T 360 128,358.58 1 7.250 886.83 75 7.000 886.83 PHOENIX AZ 85041 1 07/30/02 00 1403225 03 09/01/02 0 1403225 O 08/01/32 0 8381103 286/286 F 417,000.00 ZZ 360 415,862.93 1 6.500 2,635.73 78 6.250 2,635.73 SHREWSBURY MA 01545 5 11/04/02 00 1686748 05 01/01/03 0 1686748 O 12/01/32 0 8381107 286/286 F 84,000.00 ZZ 360 83,708.22 1 6.750 544.83 80 6.500 544.83 CHARLOTTE NC 28227 5 10/16/02 00 1636308 05 12/01/02 0 1636308 N 11/01/32 0 8381113 286/286 F 247,500.00 T 360 245,761.31 1 6.750 1,605.28 90 6.500 1,605.28 STREETMON TX 75859 1 06/01/02 11 1331343 05 08/01/02 25 1331343 O 07/01/32 0 8381115 286/286 F 280,000.00 ZZ 360 279,236.49 2 6.500 1,769.80 80 6.250 1,769.80 BAYONNE NJ 07002 5 11/04/02 00 1674846 05 01/01/03 0 1674846 O 12/01/32 0 8381117 286/286 F 380,000.00 ZZ 360 379,036.75 1 6.875 2,496.33 80 6.625 2,496.33 1 CREAM RIDGE NJ 08514 1 11/07/02 00 1621165 05 01/01/03 0 1621165 O 12/01/32 0 8381119 286/286 F 112,000.00 ZZ 360 111,755.26 3 7.625 792.73 80 7.375 792.73 NEW HAVEN CT 06513 2 11/08/02 00 879331 05 01/01/03 0 879331 N 12/01/32 0 8381123 286/286 F 134,000.00 ZZ 360 133,790.29 2 7.250 914.12 80 7.000 914.12 EASTHAMPTON MA 01027 1 12/03/02 00 1820520 05 02/01/03 0 1820520 N 01/01/33 0 8381125 286/286 F 74,700.00 ZZ 360 74,515.20 4 7.000 496.99 90 6.750 496.99 ALBUQUERQUE NM 87123 1 11/04/02 10 1664856 05 01/01/03 25 1664856 N 12/01/32 0 8381127 286/286 F 38,400.00 ZZ 360 38,294.89 1 6.500 242.72 80 6.250 242.72 SALEM VA 24153 1 11/15/02 00 1702482 05 01/01/03 0 1702482 N 12/01/32 0 8381129 286/286 F 201,150.00 ZZ 360 200,546.24 1 6.000 1,206.00 90 5.750 1,206.00 HILTON HEAD SC 29928 1 11/04/02 11 1689099 01 01/01/03 25 1689099 O 12/01/32 0 1 8381131 286/286 F 139,500.00 ZZ 360 138,437.17 2 6.750 904.80 90 6.500 904.80 COCOA FL 32926 1 09/30/02 10 1467957 05 11/01/02 25 1467957 O 10/01/32 0 8381133 286/286 F 61,200.00 ZZ 360 60,997.56 4 7.000 407.17 68 6.750 407.17 ST. LOUIS MO 63111 2 10/30/02 00 1556987 05 12/01/02 0 1556987 N 11/01/32 0 8381141 286/286 F 346,351.00 ZZ 360 344,143.20 1 7.250 2,362.73 90 7.000 2,362.73 IRVINE CA 92602 1 06/14/02 12 1312365 01 08/01/02 25 1312365 O 07/01/32 0 8381145 286/286 F 360,000.00 ZZ 360 358,655.58 1 6.375 2,245.94 72 6.125 2,245.94 STAMFORD CT 06902 2 10/31/02 00 1651051 05 12/01/02 0 1651051 O 11/01/32 0 8381149 286/286 F 98,000.00 ZZ 360 97,769.24 3 7.250 668.54 68 7.000 668.54 SALEM VA 24153 5 11/21/02 00 1615461 05 01/01/03 0 1615461 N 12/01/32 0 8381157 286/286 F 384,900.00 ZZ 360 382,446.50 2 1 7.250 2,625.70 86 7.000 2,625.70 CLIFFSIDE PARK NJ 07010 1 06/06/02 12 1320556 05 08/01/02 25 1320556 O 07/01/32 0 8381167 286/286 F 400,000.00 ZZ 360 398,001.44 1 6.375 2,495.48 78 6.125 2,495.48 SAN RAFAEL CA 94901 5 10/23/02 00 1575451 05 12/01/02 0 1575451 O 11/01/32 0 8381169 286/286 F 340,000.00 ZZ 360 339,116.83 1 6.750 2,205.24 80 6.500 2,205.24 SAN JOSE CA 95136 1 11/01/02 00 1735182 05 01/01/03 0 1735182 O 12/01/32 0 8381171 286/286 F 166,725.00 ZZ 360 166,025.18 1 7.875 1,208.87 95 7.625 1,208.87 PHOENIX AZ 85018 1 08/12/02 12 1494133 05 10/01/02 30 1494133 O 09/01/32 0 8381177 286/286 F 448,311.00 ZZ 360 447,088.54 1 6.500 2,833.64 61 6.250 2,833.64 WESTON CT 06883 5 11/01/02 00 1669993 05 01/01/03 0 1669993 O 12/01/32 0 8381179 286/286 F 288,000.00 ZZ 360 287,251.90 3 6.750 1,867.97 80 6.500 1,867.97 CHICO CA 95928 1 11/01/02 00 1611340 05 01/01/03 0 1 1611340 N 12/01/32 0 8381181 286/286 F 330,000.00 ZZ 360 328,161.21 1 6.375 2,058.78 44 6.125 2,058.78 NEW CANAAN CT 06840 2 10/29/02 00 1618379 05 12/01/02 0 1618379 O 11/01/32 0 8381183 286/286 F 152,500.00 ZZ 360 151,983.09 1 6.875 1,001.82 93 6.625 1,001.82 WADSWORTH OH 44281 1 10/31/02 21 1693443 05 12/01/02 25 1693443 O 11/01/32 0 8381187 286/286 F 480,000.00 ZZ 360 478,659.16 1 6.375 2,994.58 73 6.125 2,994.58 RIDGEFIELD CT 06817 2 11/04/02 00 1693417 05 01/01/03 0 1693417 O 12/01/32 0 8381189 286/286 F 130,000.00 ZZ 360 129,015.74 1 7.000 864.90 73 6.750 864.90 MIAMI FL 33174 2 05/31/02 00 1318070 05 07/01/02 0 1318070 O 06/01/32 0 8381193 286/286 F 175,500.00 ZZ 360 174,744.67 1 7.750 1,257.31 90 7.500 1,257.31 MIAMI BEACH FL 33139 1 08/12/02 21 1464896 01 10/01/02 25 1464896 O 09/01/32 0 1 8381195 286/286 F 94,300.00 ZZ 360 94,055.05 1 6.750 611.63 80 6.500 611.63 ARLINGTON TX 76013 1 11/06/02 00 1670165 05 01/01/03 0 1670165 N 12/01/32 0 8381215 286/286 F 108,900.00 ZZ 360 108,301.61 1 8.000 799.07 91 7.750 799.07 MIAMI FL 33015 1 06/10/02 21 1313410 01 08/01/02 30 1313410 O 07/01/32 0 8381225 286/286 F 173,827.00 ZZ 360 172,871.26 1 6.500 1,098.71 91 6.250 1,098.71 CLERMONT FL 34711 1 08/30/02 14 1502618 03 10/01/02 25 1502618 O 09/01/32 0 8381231 286/286 F 331,000.00 ZZ 360 330,140.23 1 6.750 2,146.86 42 6.500 2,146.86 COROLLA NC 27927 2 11/19/02 00 0001250431 05 01/01/03 0 0001250431 N 12/01/32 0 8381235 286/286 F 250,000.00 ZZ 360 249,425.79 2 7.375 1,726.69 80 7.125 1,726.69 SANTA ANA CA 92703 5 11/13/02 00 1720620 05 01/01/03 0 1720620 O 12/01/32 0 8381245 286/286 F 272,000.00 ZZ 360 270,825.97 1 6.000 1,630.78 78 5.750 1,630.78 1 LAGUNA NIGUEL CA 92677 2 10/11/02 00 1634677 01 12/01/02 0 1634677 O 11/01/32 0 8381249 286/286 F 258,000.00 ZZ 360 257,059.44 1 6.500 1,630.74 75 6.250 1,630.74 SAN JOSE CA 95132 2 10/16/02 00 1659911 01 12/01/02 0 1659911 O 11/01/32 0 8381251 286/286 F 120,900.00 ZZ 360 120,696.27 1 6.875 794.23 89 6.625 794.23 LISLE IL 60532 1 12/12/02 11 1842923 01 02/01/03 25 1842923 O 01/01/33 0 8381257 286/286 F 94,300.00 ZZ 360 93,570.38 1 6.875 619.49 80 6.625 619.49 GALLOWAY NJ 08205 2 05/31/02 00 1308811 01 07/01/02 0 1308811 O 06/01/32 0 8381263 286/286 F 128,000.00 ZZ 360 127,650.97 1 6.500 809.05 80 6.250 809.05 MIAMI FL 33178 1 11/19/02 00 1550436 01 01/01/03 0 1550436 O 12/01/32 0 8381267 286/286 F 169,900.00 ZZ 360 169,250.09 1 6.250 1,046.11 68 6.000 1,046.11 LAS VEGAS NV 89052 1 10/09/02 00 1659545 03 12/01/02 0 1659545 O 11/01/32 0 1 8381271 286/286 F 162,450.00 ZZ 360 162,048.17 3 7.000 1,080.79 95 6.750 1,080.79 NEW BRITIAN CT 06051 1 11/25/02 14 1726159 05 01/01/03 30 1726159 O 12/01/32 0 8381277 286/286 F 441,600.00 ZZ 360 440,779.81 1 6.375 2,755.01 79 6.125 2,755.01 SAN DIEGO CA 92130 1 12/10/02 00 1871515 05 02/01/03 0 1871515 O 01/01/33 0 8381283 286/286 F 150,350.00 ZZ 360 150,013.16 1 7.500 1,051.27 75 7.250 1,051.27 PLACITAS NM 87043 5 11/22/02 00 1758036 05 01/01/03 0 1758036 O 12/01/32 0 8381287 286/286 F 121,600.00 T 360 121,030.84 1 6.375 758.63 80 6.125 758.63 SILVERTON CO 81433 1 09/16/02 00 1555637 05 11/01/02 0 1555637 O 10/01/32 0 8381293 286/286 F 462,000.00 ZZ 360 460,149.70 1 6.000 2,769.93 74 5.750 2,769.93 MERCED CA 95340 5 11/14/02 00 1697221 05 01/01/03 0 1697221 O 12/01/32 0 8381295 286/286 F 113,850.00 ZZ 360 113,329.79 1 1 6.500 719.61 90 6.250 719.61 HOUSTON TX 77057 1 10/01/02 10 1607168 01 11/01/02 25 1607168 O 10/01/32 0 8381301 286/286 F 198,400.00 T 360 197,379.28 1 7.000 1,319.97 80 6.750 1,319.97 GROVER BEACH CA 93433 1 08/29/02 00 1114170 05 10/01/02 0 1114170 O 09/01/32 0 8381311 286/286 F 128,000.00 T 360 127,386.38 1 6.250 788.12 80 6.000 788.12 BIG BEAR LAKE CA 92315 1 09/10/02 00 1515838 05 11/01/02 0 1515838 O 10/01/32 0 8381315 286/286 F 145,710.00 ZZ 360 145,240.29 3 7.125 981.68 90 6.875 981.68 FALL RIVER MA 02721 1 11/27/02 14 1786654 05 01/01/03 25 1786654 N 12/01/32 0 8381467 T29/G02 F 299,000.00 ZZ 360 298,702.34 1 6.000 1,792.66 79 5.750 1,792.66 PHOENIX AZ 85022 5 01/17/03 00 0435297593 03 03/01/03 0 1530280 O 02/01/33 0 8381867 E45/G02 F 196,000.00 ZZ 360 195,538.51 4 7.250 1,337.07 70 7.000 1,337.07 FORT LAUDERDALE FL 33315 5 11/08/02 00 0435433842 05 01/01/03 0 1 288039 N 12/01/32 0 8382759 E22/G02 F 108,750.00 ZZ 360 108,673.24 1 7.750 779.10 75 7.500 779.10 AUSTIN TX 78723 5 01/22/03 00 0415779099 05 03/01/03 0 0415779099 N 02/01/33 0 8382849 E22/G02 F 285,000.00 ZZ 360 283,697.60 1 6.125 1,731.69 50 5.875 1,731.69 SEBASTOPOL CA 95472 2 01/17/03 00 0415843630 05 03/01/03 0 0415843630 O 02/01/33 0 8383149 E82/G02 F 161,000.00 ZZ 360 160,843.52 1 6.125 978.25 42 5.875 978.25 COSTA MESA CA 92626 2 01/17/03 00 0400765350 05 03/01/03 0 1793787 O 02/01/33 0 8383947 N74/G02 F 59,250.00 ZZ 360 59,157.28 1 7.250 404.19 75 7.000 404.19 AUGUSTA GA 30906 5 01/21/03 00 0435280193 05 02/21/03 0 3300008965 N 01/21/33 0 8383991 X78/G02 F 135,200.00 ZZ 360 135,102.14 1 7.625 956.94 80 7.375 956.94 WOODSTOCK GA 30189 1 01/23/03 00 0435335278 05 03/01/03 0 990284 N 02/01/33 0 1 8384057 W39/G02 F 151,500.00 ZZ 240 150,197.81 1 6.125 1,096.35 85 5.875 1,096.35 PETAL MS 39465 5 10/16/02 01 0435366562 05 12/01/02 12 LA023795 O 11/01/22 0 8384323 025/G02 F 423,750.00 ZZ 360 422,129.08 1 6.250 2,609.11 75 6.000 2,609.11 SOUTH SAN FRANC CA 94080 5 10/28/02 00 0435323225 01 12/01/02 0 0131654329 O 11/01/32 0 8385075 025/G02 F 525,000.00 ZZ 360 523,952.11 1 6.000 3,147.64 74 5.750 3,147.64 WEXFORD PA 15090 5 12/03/02 00 0435328331 05 02/01/03 0 0140986043 O 01/01/33 0 8385223 025/G02 F 438,750.00 ZZ 360 437,494.58 1 6.250 2,701.46 75 6.000 2,701.46 ALBUQUERQUE NM 87107 5 11/27/02 00 0435328232 05 01/01/03 0 0141087494 O 12/01/32 0 8386307 E22/G02 F 488,000.00 ZZ 360 487,525.69 1 6.125 2,965.14 80 5.875 2,965.14 RANCHO CUCAMONG CA 91739 5 01/09/03 00 0415811413 05 03/01/03 0 0415811413 O 02/01/33 0 8386337 E22/G02 F 97,500.00 ZZ 360 97,431.19 1 7.750 698.50 75 7.500 698.50 1 LAUREL MD 20707 5 01/24/03 00 0415869924 07 03/01/03 0 0415869924 N 02/01/33 0 8386697 E45/G02 F 266,000.00 ZZ 360 265,325.74 1 6.875 1,747.43 75 6.625 1,747.43 KANSAS CITY MO 64112 5 11/13/02 00 0435375993 05 01/01/03 0 289031 O 12/01/32 0 8388205 G34/G02 F 136,000.00 ZZ 360 135,888.52 1 7.000 904.81 80 6.750 904.81 NORTH RICHLAND TX 76180 5 01/16/03 00 0435321518 05 03/01/03 0 85210795 O 02/01/33 0 8388591 N74/G02 F 135,000.00 ZZ 240 134,703.47 1 5.875 957.47 62 5.625 957.47 FREDERICKSBURG VA 22407 5 01/21/03 00 0435316252 03 03/01/03 0 0031530010 O 02/01/23 0 8388757 E45/G02 F 63,750.00 ZZ 360 63,511.92 1 6.375 397.72 75 6.125 397.72 GAINESVILLE GA 30506 2 10/04/02 00 0435340443 05 12/01/02 0 02090064 N 11/01/32 0 8389191 U05/G02 F 282,150.00 ZZ 360 281,875.77 1 6.125 1,714.37 32 5.875 1,714.37 LAGO VISTA TX 78645 2 01/15/03 00 0435302849 05 03/01/03 0 3299977 O 02/01/33 0 1 8392739 E22/G02 F 242,000.00 ZZ 360 241,786.49 1 6.625 1,549.55 90 6.375 1,549.55 AUSTIN TX 78748 2 01/22/03 01 0415299593 03 03/01/03 25 0415299593 O 02/01/33 0 8392953 E22/G02 F 480,000.00 ZZ 360 479,533.47 1 6.125 2,916.53 75 5.875 2,916.53 SAN DIEGO CA 92117 5 01/14/03 00 0415844042 05 03/01/03 0 0415844042 O 02/01/33 0 8392987 E22/G02 F 440,000.00 ZZ 360 439,592.47 2 6.375 2,745.03 80 6.125 2,745.03 TORRANCE CA 90501 1 01/18/03 00 0415863836 05 03/01/03 0 0415863836 O 02/01/33 0 8392993 E22/G02 F 30,500.00 ZZ 360 30,472.43 1 6.500 192.78 73 6.250 192.78 JACKSON MS 39204 2 01/27/03 00 0415868132 05 03/01/03 0 0415868132 N 02/01/33 0 8393041 E22/G02 F 56,250.00 ZZ 360 56,210.30 1 7.750 402.98 90 7.500 402.98 GOODWATER AL 35072 2 01/22/03 04 0415962950 05 03/01/03 25 0415962950 O 02/01/33 0 8393053 E82/G02 F 280,000.00 ZZ 360 279,452.51 3 1 6.375 1,746.84 77 6.125 1,746.84 LOS ANGELES CA 90019 2 01/22/03 00 0400774584 05 03/01/03 0 7643931 O 02/01/33 0 8393811 Q87/G02 F 96,000.00 ZZ 360 95,902.12 1 5.875 567.88 80 5.625 567.88 WHITLEY CITY KY 42653 5 01/21/03 00 0435350756 05 03/01/03 0 BRLA05 O 02/01/33 0 8394261 W34/G02 F 238,000.00 ZZ 360 237,784.85 3 6.500 1,504.32 67 6.250 1,504.32 FORT MYERS BEAC FL 33931 5 01/21/03 00 0435379698 05 03/01/03 0 98890901 O 02/01/33 0 8394293 W02/G02 F 133,000.00 ZZ 360 132,901.29 1 7.500 929.96 95 7.250 929.96 MADISON HEIGHTS VA 24572 5 01/15/03 28 0435424593 05 03/01/03 30 1001838812 O 02/01/33 0 8394593 S27/G02 F 73,125.00 ZZ 360 73,066.52 1 7.125 492.66 75 6.875 492.66 ORLANDO FL 32811 5 01/23/03 00 0435316609 05 03/01/03 0 1300001058 N 02/01/33 0 8395227 E22/G02 F 215,200.00 ZZ 360 215,000.68 2 6.375 1,342.57 85 6.125 1,342.57 LONG BEACH CA 90805 1 01/06/03 04 0415733252 05 03/01/03 12 1 0415733252 O 02/01/33 0 8395231 E22/G02 F 164,250.00 ZZ 360 164,134.07 2 7.750 1,176.71 90 7.500 1,176.71 HOLBROOK MA 02343 1 01/28/03 01 0415738210 05 03/01/03 25 0415738210 N 02/01/33 0 8395233 E22/G02 F 131,200.00 ZZ 360 131,081.40 1 6.500 829.27 80 6.250 829.27 MORRISVILLE BOR PA 19067 1 01/28/03 00 0415739952 07 03/01/03 0 0415739952 N 02/01/33 0 8395321 E22/G02 F 223,250.00 ZZ 360 223,053.04 1 6.625 1,429.49 95 6.375 1,429.49 FORT LAUDERDALE FL 33304 5 01/23/03 04 0415855261 05 03/01/03 30 0415855261 O 02/01/33 0 8395381 E22/G02 F 180,500.00 ZZ 360 180,324.56 1 6.125 1,096.74 95 5.875 1,096.74 MIAMI FL 33183 5 01/23/03 04 0415919109 05 03/01/03 30 0415919109 O 02/01/33 0 8395411 E22/G02 F 215,000.00 ZZ 360 214,775.53 1 5.750 1,254.68 54 5.500 1,254.68 CORAL SPRINGS FL 33071 5 01/23/03 00 0415986249 03 03/01/03 0 0415986249 O 02/01/33 0 1 8395799 967/G02 F 132,000.00 ZZ 360 131,886.35 1 6.750 856.15 80 6.500 856.15 SELAH WA 98942 2 01/14/03 00 0435332119 05 03/01/03 0 5941265 O 02/01/33 0 8395805 K15/G02 F 102,400.00 ZZ 360 102,324.00 2 7.500 716.00 80 7.250 716.00 BOISE ID 83703 5 01/20/03 00 0435316385 05 03/01/03 0 003010005505911 N 02/01/33 0 8396651 U05/G02 F 345,000.00 ZZ 360 344,664.68 1 6.125 2,096.26 74 5.875 2,096.26 WOODLAND HILLS CA 91367 2 01/06/03 00 0435382338 05 03/01/03 0 3275099 O 02/01/33 0 8396745 356/356 F 260,000.00 ZZ 360 259,551.02 1 6.750 1,686.36 80 6.500 1,686.36 PITTSBURG CA 94565 1 12/23/02 00 3060308 05 02/01/03 0 3060308 O 01/01/33 0 8396869 M07/G02 F 90,000.00 ZZ 360 89,929.79 1 7.250 613.96 75 7.000 613.96 RIVERSIDE CA 92503 5 01/14/03 00 0435340922 09 03/01/03 0 02212235 N 02/01/33 0 8396885 X31/G02 F 233,750.00 ZZ 360 233,538.69 1 6.500 1,477.46 85 6.250 1,477.46 1 CLAREMONT CA 91711 5 01/23/03 01 0435350442 05 03/01/03 12 11001534 O 02/01/33 0 8396893 M07/G02 F 90,000.00 ZZ 360 89,929.79 1 7.250 613.96 75 7.000 613.96 RIVERSIDE CA 92503 5 01/14/03 00 0435315478 09 03/01/03 0 02212236 N 02/01/33 0 8397031 L01/G02 F 433,000.00 ZZ 360 432,579.15 1 6.125 2,630.95 75 5.875 2,630.95 TEMPE AZ 85284 5 01/24/03 00 0435344171 05 03/01/03 0 10597094 O 02/01/33 0 8397125 Q14/G02 F 86,500.00 ZZ 360 86,413.89 1 6.000 518.61 78 5.750 518.61 BETTENDORF IA 52722 2 01/24/03 00 0435291018 01 03/01/03 0 0000311038 O 02/01/33 0 8397611 144/144 F 253,000.00 ZZ 360 252,508.37 1 6.375 1,578.39 66 6.125 1,578.39 CARMEL NY 10512 2 12/30/02 00 160709261 05 02/01/03 0 160709261 O 01/01/33 0 8398095 E22/G02 F 216,000.00 ZZ 360 215,779.78 1 5.875 1,277.72 80 5.625 1,277.72 LONG BEACH CA 90806 5 01/18/03 00 0415786615 05 03/01/03 0 0415786615 O 02/01/33 0 1 8398147 E22/G02 F 130,500.00 ZZ 360 130,379.13 1 6.375 814.15 90 6.125 814.15 ROCK ISLAND IL 61201 2 01/24/03 01 0415868140 05 03/01/03 25 0415868140 O 02/01/33 0 8398185 E22/G02 F 135,200.00 ZZ 360 135,089.18 1 7.000 899.49 80 6.750 899.49 ROCHESTER MI 48307 1 01/29/03 00 0415931708 05 03/01/03 0 0415931708 N 02/01/33 0 8398269 E22/G02 F 127,200.00 ZZ 360 127,073.37 1 6.000 762.63 80 5.750 762.63 THE COLONY TX 75056 5 01/24/03 00 0415707231 05 03/01/03 0 0415707231 O 02/01/33 0 8398287 E22/G02 F 146,700.00 ZZ 360 146,576.76 1 6.875 963.71 90 6.625 963.71 PASSAIC NJ 07055 1 01/29/03 01 0415749548 05 03/01/03 25 0415749548 N 02/01/33 0 8398301 E22/G02 F 420,000.00 ZZ 360 419,611.00 1 6.375 2,620.25 80 6.125 2,620.25 L A (SAN PEDRO CA 90732 5 01/22/03 00 0415772441 05 03/01/03 0 0415772441 O 02/01/33 0 8398339 E22/G02 F 180,000.00 ZZ 360 179,833.28 1 1 6.375 1,122.97 75 6.125 1,122.97 RANCHO CUCAMONG CA 91730 5 01/09/03 00 0415845593 05 03/01/03 0 0415845593 O 02/01/33 0 8398363 E22/G02 F 444,000.00 ZZ 360 443,558.00 1 6.000 2,662.00 80 5.750 2,662.00 VISALIA CA 93292 5 01/23/03 00 0415901586 05 03/01/03 0 0415901586 O 02/01/33 0 8398401 E22/G02 F 83,700.00 ZZ 360 83,633.07 1 7.125 563.90 70 6.875 563.90 PEMBROKE PINES FL 33026 5 01/24/03 00 0415979095 09 03/01/03 0 0415979095 O 02/01/33 0 8398495 J95/G02 F 103,200.00 ZZ 360 103,127.16 1 7.750 739.34 80 7.500 739.34 HESPERIA CA 92345 5 01/02/03 00 0435364153 05 03/01/03 0 0040794455 N 02/01/33 0 8398627 Y23/G02 F 97,600.00 ZZ 360 97,515.96 1 6.750 633.04 80 6.500 633.04 LEWISVILLE TX 75067 5 01/22/03 00 0435366554 05 03/01/03 0 1000019090 O 02/01/33 0 8398659 L20/G02 F 70,000.00 ZZ 360 69,931.96 1 6.125 425.33 61 5.875 425.33 BOISE ID 83709 5 01/24/03 00 0435479142 09 03/01/03 0 1 1151120583 O 02/01/33 0 8398673 952/G02 F 360,000.00 ZZ 360 359,666.57 1 6.375 2,245.93 80 6.125 2,245.93 FAIR LAWN NJ 07410 1 01/16/03 00 0435438577 05 03/01/03 0 20028719 N 02/01/33 0 8398821 X82/G02 F 399,950.00 ZZ 360 399,561.27 1 6.125 2,430.14 79 5.875 2,430.14 WARRENTON VA 20186 5 01/17/03 00 0435296579 05 03/01/03 0 847271 O 02/01/33 0 8398833 N47/G02 F 210,000.00 ZZ 360 209,823.58 2 6.875 1,379.55 56 6.625 1,379.55 SAN DIEGO CA 92117 2 01/17/03 00 0435396197 05 03/01/03 0 30501428 N 02/01/33 0 8398855 477/G02 F 110,475.00 ZZ 360 110,375.13 1 6.500 698.28 95 6.250 698.28 PHOENIX AZ 85027 5 01/07/03 01 0435397567 05 03/01/03 30 220073 O 02/01/33 0 8398901 N47/G02 F 430,500.00 ZZ 360 430,091.53 1 6.250 2,650.66 80 6.000 2,650.66 SAN JOSE CA 95121 2 01/23/03 00 0435449921 05 03/01/03 0 20501167 O 02/01/33 0 1 8399027 N47/G02 F 101,250.00 ZZ 360 101,164.94 1 6.875 665.14 75 6.625 665.14 HEMET CA 92545 5 01/17/03 00 0435333661 05 03/01/03 0 30501425 N 02/01/33 0 8399051 N47/G02 F 370,000.00 ZZ 360 369,648.93 1 6.250 2,278.15 80 6.000 2,278.15 ALAMEDA CA 94501 5 01/08/03 00 0435359062 05 03/01/03 0 20501172 O 02/01/33 0 8400249 E82/G02 F 239,600.00 T 360 239,600.00 1 6.625 1,534.19 80 6.375 1,534.19 CUDJOE KEY FL 33042 1 02/03/03 00 0400765798 05 04/01/03 0 0400765798 O 03/01/33 0 8400429 E22/G02 F 232,750.00 ZZ 360 232,328.04 1 6.500 1,471.14 95 6.250 1,471.14 MIAMI FL 33129 1 12/13/02 04 0415666551 05 02/01/03 35 0415666551 O 01/01/33 0 8400439 E22/G02 F 218,800.00 ZZ 360 218,611.62 4 6.750 1,419.13 67 6.500 1,419.13 HOUSTON TX 77098 2 01/30/03 00 0415703206 05 03/01/03 0 0415703206 N 02/01/33 0 8400449 E22/G02 F 188,000.00 ZZ 360 187,808.33 1 5.875 1,112.09 80 5.625 1,112.09 1 ELK GROVE CA 95758 5 01/23/03 00 0415738756 03 03/01/03 0 0415738756 O 02/01/33 0 8400545 E22/G02 F 159,200.00 ZZ 360 159,033.78 4 5.750 929.05 80 5.500 929.05 GOSHEN IN 46526 1 01/30/03 00 0415951086 05 03/01/03 0 0415951086 N 02/01/33 0 8400583 E22/G02 F 115,600.00 T 360 115,490.31 1 6.250 711.77 32 6.000 711.77 TRACY CA 95376 2 01/22/03 00 0415996685 05 03/01/03 0 0415996685 O 02/01/33 0 8400615 E22/G02 F 199,000.00 ZZ 360 198,797.11 1 5.875 1,177.16 80 5.625 1,177.16 BEND OR 97701 2 01/28/03 00 0416044717 03 03/01/03 0 0416044717 N 02/01/33 0 8400629 E22/G02 F 67,200.00 ZZ 360 67,140.71 1 6.625 430.29 80 6.375 430.29 EL PASO TX 79912 5 01/24/03 00 0415845072 05 03/01/03 0 0415845072 O 02/01/33 0 8400687 E22/G02 F 174,000.00 ZZ 360 173,830.89 1 6.125 1,057.24 80 5.875 1,057.24 SACRAMENTO CA 95829 1 01/27/03 00 0415904127 05 03/01/03 0 0415904127 O 02/01/33 0 1 8400711 E22/G02 F 61,200.00 ZZ 360 61,151.06 2 7.125 412.32 90 6.875 412.32 SAINT PAUL MN 55106 1 01/30/03 04 0415271089 05 03/01/03 25 0415271089 N 02/01/33 0 8400719 E22/G02 F 207,000.00 ZZ 360 206,808.28 2 6.375 1,291.41 90 6.125 1,291.41 WOODBRIDGE TOWN NJ 08863 1 01/30/03 04 0415377274 05 03/01/03 25 0415377274 O 02/01/33 0 8400735 E22/G02 F 176,000.00 ZZ 360 175,836.99 1 6.375 1,098.01 80 6.125 1,098.01 LOS ANGELES CA 90062 5 01/17/03 00 0415498047 05 03/01/03 0 0415498047 O 02/01/33 0 8400799 E22/G02 F 650,000.00 ZZ 360 649,397.98 1 6.375 4,055.15 79 6.125 4,055.15 HOHOKUS NJ 07423 1 01/30/03 00 0415818855 05 03/01/03 0 0415818855 O 02/01/33 0 8400803 E22/G02 F 175,275.00 ZZ 360 175,116.55 1 6.500 1,107.86 95 6.250 1,107.86 GLEN ALLEN VA 23060 5 01/23/03 04 0415822303 05 03/01/03 30 0415822303 O 02/01/33 0 8401171 998/998 F 95,400.00 ZZ 360 94,905.35 4 1 7.375 658.90 90 7.125 658.90 KALAMAZOO MI 49007 2 08/27/02 11 5242842 05 10/01/02 25 5242842 N 09/01/32 0 8401709 X51/G02 F 398,000.00 ZZ 360 397,612.80 1 6.120 2,417.00 76 5.870 2,417.00 APOLLO BEACH FL 33572 5 01/25/03 00 0435305057 05 03/01/03 0 030109016 O 02/01/33 0 8401737 408/G02 F 165,600.00 ZZ 360 165,450.29 1 6.500 1,046.71 80 6.250 1,046.71 INDEPENDENCE MO 64057 1 01/23/03 00 0435325097 05 03/01/03 0 703026240 O 02/01/33 0 8401795 T29/G02 F 101,250.00 ZZ 360 101,158.47 2 6.500 639.97 75 6.250 639.97 PINETOP AZ 85935 2 01/22/03 00 0435342043 05 03/01/03 0 1210876 N 02/01/33 0 8402149 F89/G02 F 76,000.00 ZZ 360 75,932.94 1 6.625 486.64 80 6.375 486.64 FRESNO CA 93705 5 01/21/03 00 0435327853 05 03/01/03 0 26369 N 02/01/33 0 8402697 E45/G02 F 48,950.00 ZZ 360 48,775.83 1 6.625 313.43 75 6.375 313.43 WOOD RIVER IL 62095 5 10/11/02 00 0435414164 05 12/01/02 0 1 278047 O 11/01/32 0 8403571 E22/G02 F 114,400.00 ZZ 360 114,288.81 1 6.125 695.11 80 5.875 695.11 VANCOUVER WA 98661 2 01/22/03 00 0415244433 05 03/01/03 0 0415244433 O 02/01/33 0 8403665 E22/G02 F 55,000.00 ZZ 360 54,953.79 1 6.875 361.31 69 6.625 361.31 VERO BEACH FL 32968 1 01/31/03 00 0415737436 05 03/01/03 0 0415737436 N 02/01/33 0 8403739 E22/G02 F 72,000.00 ZZ 360 71,949.18 2 7.750 515.82 90 7.500 515.82 NEW ORLEANS LA 70117 1 01/31/03 04 0415800465 05 03/01/03 25 0415800465 N 02/01/33 0 8403773 E22/G02 F 52,200.00 ZZ 360 52,155.06 1 6.750 338.57 90 6.500 338.57 SEVIERVILLE TN 37876 1 01/31/03 04 0415829332 05 03/01/03 30 0415829332 O 02/01/33 0 8403803 E22/G02 F 40,000.00 ZZ 360 39,971.77 1 7.750 286.56 80 7.500 286.56 HIGHLAND PARK MI 48203 5 01/31/03 00 0415850668 05 03/01/03 0 0415850668 N 02/01/33 0 1 8403823 E22/G02 F 440,000.00 ZZ 360 439,561.98 1 6.000 2,638.02 80 5.750 2,638.02 SALINAS CA 91390 1 01/24/03 00 0415865740 05 03/01/03 0 0415865740 O 02/01/33 0 8403839 E22/G02 F 422,000.00 ZZ 360 421,609.15 1 6.375 2,632.73 68 6.125 2,632.73 ARDEN NC 28704 5 01/27/03 00 0415874296 05 03/01/03 0 0415874296 O 02/01/33 0 8403891 E22/G02 F 74,250.00 ZZ 360 74,181.23 1 6.375 463.22 90 6.125 463.22 FARMINGTON NM 87401 1 01/31/03 01 0415917566 05 03/01/03 30 0415917566 O 02/01/33 0 8403897 E22/G02 F 156,000.00 ZZ 360 155,868.94 3 6.875 1,024.81 80 6.625 1,024.81 NEW BEDFORD MA 02740 1 01/31/03 00 0415921204 05 03/01/03 0 0415921204 N 02/01/33 0 8403985 E22/G02 F 153,000.00 ZZ 360 152,868.27 2 6.750 992.36 90 6.500 992.36 BURLINGTON VT 05401 1 01/31/03 04 0415985704 05 03/01/03 25 0415985704 N 02/01/33 0 8403997 E22/G02 F 125,000.00 T 360 124,886.99 1 6.500 790.09 75 6.250 790.09 1 SUNRISE FL 33332 2 01/31/03 00 0415995646 05 03/01/03 0 0415995646 O 02/01/33 0 8404001 E22/G02 F 585,000.00 ZZ 360 584,046.88 1 6.250 3,601.95 45 6.000 3,601.95 BOCA RATON FL 33432 2 01/27/03 00 0415997493 06 03/01/03 0 0415997493 O 02/01/33 0 8404011 E22/G02 F 196,000.00 ZZ 360 195,831.25 1 6.750 1,271.25 80 6.500 1,271.25 DALLAS TX 75238 5 01/27/03 00 0416011922 05 03/01/03 0 0416011922 O 02/01/33 0 8404013 E22/G02 F 170,000.00 ZZ 360 169,838.70 1 6.250 1,046.72 51 6.000 1,046.72 PEMBROKE PINES FL 33028 1 01/31/03 00 0416019545 03 03/01/03 0 0416019545 O 02/01/33 0 8404027 E22/G02 F 160,000.00 ZZ 360 159,844.49 1 6.125 972.18 77 5.875 972.18 HUNTINGTON PARK CA 90255 5 01/27/03 00 0416029478 05 03/01/03 0 0416029478 O 02/01/33 0 8404037 E22/G02 F 40,000.00 ZZ 360 39,965.56 1 6.750 259.44 73 6.500 259.44 GREAT FALLS MT 59405 5 01/31/03 00 0416032472 05 03/01/03 0 0416032472 N 02/01/33 0 1 8404051 E22/G02 F 140,000.00 ZZ 360 139,857.27 1 5.875 828.15 80 5.625 828.15 NORTH POLE AK 99705 5 01/24/03 00 0416050946 05 03/01/03 0 0416050946 O 02/01/33 0 8404181 964/G02 F 455,000.00 T 360 454,568.28 1 6.250 2,801.51 65 6.000 2,801.51 CAMBRIA CA 93428 2 01/15/03 00 0435491311 05 03/01/03 0 309118 O 02/01/33 0 8404739 B57/G02 F 322,700.00 ZZ 360 322,408.28 1 6.500 2,039.68 79 6.250 2,039.68 LONG BEACH CA 90815 1 01/13/03 00 0435397146 05 03/01/03 0 10008860 O 02/01/33 0 8404753 T44/G02 F 60,000.00 ZZ 360 59,947.06 1 6.625 384.19 80 6.375 384.19 AKRON OH 44312 1 01/21/03 00 0435474796 05 03/01/03 0 1061725 N 02/01/33 0 8406375 T29/G02 F 108,000.00 ZZ 360 107,909.27 1 6.875 709.48 90 6.625 709.48 PINETOP AZ 85935 2 01/23/03 12 0435451588 03 03/01/03 25 1530658 O 02/01/33 0 8406379 T29/G02 F 304,000.00 ZZ 360 303,744.61 1 1 6.875 1,997.06 80 6.625 1,997.06 GREER AZ 85927 5 01/21/03 00 0435329826 05 03/01/03 0 1530303 O 02/01/33 0 8406419 G51/G02 F 192,800.00 ZZ 360 192,800.00 1 6.375 1,202.83 80 6.125 1,202.83 FT COLLINS CO 80521 5 01/30/03 00 0435362728 05 04/01/03 0 20003259 O 03/01/33 0 8406457 758/G02 F 87,800.00 ZZ 360 87,716.69 1 6.250 540.60 68 6.000 540.60 HOUSTON TX 77031 5 01/13/03 00 0435450507 03 03/01/03 0 381085 O 02/01/33 0 8407181 964/G02 F 86,250.00 ZZ 360 86,173.90 1 6.625 552.27 75 6.375 552.27 PLEASANT GROVE UT 84062 5 01/27/03 00 0435353255 05 03/01/03 0 323680 N 02/01/33 0 8407243 964/G02 F 299,660.00 ZZ 360 299,402.00 1 6.750 1,943.59 80 6.500 1,943.59 ANTELOPE CA 95843 1 01/22/03 00 0435296207 05 03/01/03 0 256021 O 02/01/33 0 8407251 964/G02 F 380,000.00 ZZ 360 379,639.44 1 6.250 2,339.73 69 6.000 2,339.73 ROSEBURG OR 97470 5 01/14/03 00 0435352752 05 03/01/03 0 1 273926 O 02/01/33 0 8407255 964/G02 F 650,000.00 ZZ 360 649,426.52 1 6.625 4,162.02 77 6.375 4,162.02 FRESNO CA 93711 1 01/03/03 00 0435352661 03 03/01/03 0 279188 O 02/01/33 0 8407265 964/G02 F 196,768.00 ZZ 360 196,585.75 1 6.375 1,227.58 68 6.125 1,227.58 LAS VEGAS NV 89117 2 01/07/03 00 0435356738 03 03/01/03 0 292762 O 02/01/33 0 8407273 964/G02 F 322,700.00 ZZ 360 322,393.81 1 6.250 1,986.92 71 6.000 1,986.92 MISSION VIEJO CA 92692 2 01/10/03 00 0435351440 03 03/01/03 0 294796 O 02/01/33 0 8407285 964/G02 F 259,000.00 ZZ 360 258,754.25 1 6.250 1,594.71 58 6.000 1,594.71 SAN JOSE CA 95121 2 01/09/03 00 0435355425 05 03/01/03 0 301881 O 02/01/33 0 8407301 964/G02 F 300,700.00 ZZ 360 300,386.05 1 5.750 1,754.80 51 5.500 1,754.80 NOVATO CA 94945 5 01/13/03 00 0435356548 05 03/01/03 0 306325 O 02/01/33 0 1 8407309 964/G02 F 97,000.00 ZZ 360 96,907.96 1 6.250 597.25 38 6.000 597.25 ARROYO GRANDE CA 93420 2 01/14/03 00 0435356555 05 03/01/03 0 307018 O 02/01/33 0 8407323 964/G02 F 275,000.00 ZZ 360 274,745.30 1 6.375 1,715.64 55 6.125 1,715.64 DALY CITY CA 94014 2 01/16/03 00 0435356464 05 03/01/03 0 309284 O 02/01/33 0 8407327 964/G02 F 205,000.00 ZZ 360 204,814.68 1 6.500 1,295.74 70 6.250 1,295.74 NORTH HILLS (AR CA 91343 5 01/14/03 00 0435356761 05 03/01/03 0 309612 O 02/01/33 0 8407331 964/G02 F 202,500.00 ZZ 360 202,312.44 1 6.375 1,263.34 73 6.125 1,263.34 VISTA CA 92083 5 01/03/03 00 0435354758 01 03/01/03 0 310692 O 02/01/33 0 8407343 964/G02 F 174,750.00 T 360 174,580.15 1 6.125 1,061.80 46 5.875 1,061.80 RESCUE CA 95672 2 12/31/02 00 0435351358 03 03/01/03 0 312547 O 02/01/33 0 8407357 964/G02 F 193,700.00 ZZ 360 193,520.59 1 6.375 1,208.44 73 6.125 1,208.44 1 CAMERON PARK CA 95682 5 01/14/03 00 0435360193 05 03/01/03 0 315551 O 02/01/33 0 8407391 964/G02 F 70,500.00 T 360 70,439.30 1 6.750 457.26 71 6.500 457.26 SEASIDE OR 97138 5 01/13/03 00 0435351994 05 03/01/03 0 319784 O 02/01/33 0 8407401 964/G02 F 262,500.00 ZZ 360 262,232.37 1 5.875 1,552.79 75 5.625 1,552.79 TRACY CA 95376 5 01/10/03 00 0435356878 05 03/01/03 0 320254 O 02/01/33 0 8407421 964/G02 F 279,500.00 ZZ 360 279,221.76 1 6.000 1,675.74 56 5.750 1,675.74 SAN CLEMENTE CA 92673 5 01/22/03 00 0435360516 03 03/01/03 0 320711 O 02/01/33 0 8407433 964/G02 F 73,800.00 ZZ 360 73,729.97 1 6.250 454.40 60 6.000 454.40 LAS VEGAS NV 89115 2 01/20/03 00 0435354980 05 03/01/03 0 321137 N 02/01/33 0 8407453 964/G02 F 75,000.00 ZZ 360 74,928.83 1 6.250 461.79 64 6.000 461.79 LAS VEGAS NV 89115 2 01/20/03 00 0435355136 05 03/01/03 0 321291 N 02/01/33 0 1 8407461 964/G02 F 80,000.00 ZZ 360 79,927.68 1 6.500 505.65 80 6.250 505.65 PRESCOTT VALLEY AZ 86314 5 01/16/03 00 0435353644 05 03/01/03 0 321844 O 02/01/33 0 8407473 964/G02 F 190,000.00 ZZ 360 189,815.33 1 6.125 1,154.46 67 5.875 1,154.46 LAUDERHILL FL 33319 5 01/21/03 00 0435351408 03 03/01/03 0 322497 O 02/01/33 0 8407477 964/G02 F 94,000.00 ZZ 360 93,915.03 1 6.500 594.14 60 6.250 594.14 PHOENIX AZ 85032 5 01/21/03 00 0435352802 03 03/01/03 0 322522 O 02/01/33 0 8407485 964/G02 F 322,700.00 ZZ 360 322,393.81 1 6.250 1,986.92 66 6.000 1,986.92 OAKLEY CA 94561 2 01/13/03 00 0435356852 05 03/01/03 0 322797 O 02/01/33 0 8407517 964/G02 F 134,500.00 ZZ 360 134,362.87 1 5.875 795.62 57 5.625 795.62 CAMERON PARK CA 95682 2 01/15/03 00 0435360847 05 03/01/03 0 324539 O 02/01/33 0 8407529 964/G02 F 288,320.00 ZZ 360 288,032.98 1 1 6.000 1,728.62 80 5.750 1,728.62 SACRAMENTO CA 95829 1 01/03/03 00 0435355292 05 03/01/03 0 324911 O 02/01/33 0 8407531 964/G02 F 85,250.00 ZZ 360 85,163.08 1 5.875 504.29 65 5.625 504.29 PHOENIX AZ 85032 5 01/16/03 00 0435360946 05 03/01/03 0 326449 O 02/01/33 0 8407539 964/G02 F 177,600.00 ZZ 360 177,427.38 1 6.125 1,079.12 80 5.875 1,079.12 EUREKA CA 95503 1 01/15/03 00 0435356068 05 03/01/03 0 327946 O 02/01/33 0 8407541 964/G02 F 187,500.00 ZZ 360 187,317.76 1 6.125 1,139.27 75 5.875 1,139.27 SAN GABRIEL CA 91776 1 01/16/03 00 0435355227 05 03/01/03 0 329025 O 02/01/33 0 8407543 964/G02 F 200,000.00 ZZ 360 199,805.61 1 6.125 1,215.22 39 5.875 1,215.22 SAN RAFAEL CA 94901 2 01/22/03 00 0435356670 05 03/01/03 0 329035 O 02/01/33 0 8407569 964/G02 F 254,700.00 ZZ 360 254,427.71 1 5.625 1,466.20 73 5.375 1,466.20 PROVO UT 84604 2 01/17/03 00 0435356696 05 03/01/03 0 1 333168 O 02/01/33 0 8407579 964/G02 F 88,000.00 ZZ 360 87,920.45 1 6.500 556.22 80 6.250 556.22 SEATTLE WA 98168 1 01/21/03 00 0435354055 01 03/01/03 0 341985 O 02/01/33 0 8407617 964/G02 F 117,600.00 ZZ 360 117,482.93 1 6.000 705.07 8 5.750 705.07 BELVEDERE CA 94920 2 01/07/03 00 0435356936 05 03/01/03 0 281348 O 02/01/33 0 8407625 964/G02 F 146,000.00 ZZ 360 145,854.66 1 6.000 875.34 28 5.750 875.34 FOSTER CITY CA 94404 2 01/10/03 00 0435356647 01 03/01/03 0 305965 O 02/01/33 0 8407627 964/G02 F 256,000.00 ZZ 360 255,738.99 1 5.875 1,514.34 59 5.625 1,514.34 CAMERON PARK CA 95682 2 01/14/03 00 0435355359 05 03/01/03 0 307687 O 02/01/33 0 8407641 964/G02 F 245,000.00 ZZ 360 244,761.87 1 6.125 1,488.65 70 5.875 1,488.65 FIDDLETOWN CA 95629 5 01/05/03 00 0435351770 05 03/01/03 0 315969 O 02/01/33 0 1 8407643 964/G02 F 160,000.00 ZZ 360 159,848.18 1 6.250 985.15 35 6.000 985.15 LIVERMORE CA 94550 5 01/10/03 00 0435360235 05 03/01/03 0 317070 O 02/01/33 0 8407663 964/G02 F 322,700.00 ZZ 360 322,393.81 1 6.250 1,986.92 56 6.000 1,986.92 FREMONT CA 94539 2 01/10/03 00 0435356589 05 03/01/03 0 323466 O 02/01/33 0 8407667 964/G02 F 65,000.00 ZZ 360 64,938.32 1 6.250 400.22 46 6.000 400.22 PARADISE CA 95969 5 01/16/03 00 0435360128 05 03/01/03 0 323939 O 02/01/33 0 8407675 E47/G02 F 67,600.00 ZZ 360 67,540.36 1 6.625 432.85 80 6.375 432.85 SAN ANTONIO TX 78245 5 01/13/03 00 0435359419 03 03/01/03 0 7329012620 N 02/01/33 0 8407677 964/G02 F 236,250.00 ZZ 360 236,003.34 1 5.750 1,378.69 75 5.500 1,378.69 ROSEVILLE CA 95747 5 01/15/03 00 0435355268 05 03/01/03 0 329870 O 02/01/33 0 8407775 N74/G02 F 64,000.00 ZZ 360 63,952.50 1 7.500 447.50 66 7.250 447.50 1 GREENSBORO NC 27407 2 01/28/03 00 0435410063 05 03/03/03 0 0031591010 O 02/03/33 0 8407881 P09/G02 F 165,000.00 ZZ 360 164,839.63 1 6.125 1,002.56 46 5.875 1,002.56 BURKE VA 22015 5 01/25/03 00 0435358957 05 03/01/03 0 0301014 O 02/01/33 0 8407905 U05/G02 F 94,400.00 ZZ 360 94,310.43 1 6.250 581.24 80 6.000 581.24 AMARILLO TX 79109 5 01/10/03 00 0435484407 05 03/01/03 0 3297645 O 02/01/33 0 8407933 L76/G02 F 194,600.00 ZZ 360 194,401.60 1 5.875 1,151.13 73 5.625 1,151.13 MENOMONIE WI 54751 2 01/27/03 00 0435326426 05 03/01/03 0 991403 O 02/01/33 0 8408015 562/G02 F 135,000.00 ZZ 360 134,874.96 1 6.375 842.23 80 6.125 842.23 BAYVILLE NJ 08721 5 01/22/03 00 0435356381 05 03/01/03 0 297059124 O 02/01/33 0 8408041 N47/G02 F 359,500.00 ZZ 360 359,142.12 1 6.000 2,155.38 83 5.750 2,155.38 HUNTINGTON BEAC CA 92647 5 01/23/03 04 0435328380 05 03/01/03 12 30501393 O 02/01/33 0 1 8408305 G34/G02 F 209,000.00 ZZ 360 208,786.92 1 5.875 1,236.31 39 5.625 1,236.31 ALAMEDA CA 94501 5 01/23/03 00 0435324660 05 03/01/03 0 41000807 O 02/01/33 0 8408555 E22/G02 F 375,000.00 ZZ 360 374,644.18 1 6.250 2,308.94 55 6.000 2,308.94 FARMINGTON HILL MI 48331 5 01/28/03 00 0415376565 05 03/01/03 0 0415376565 O 02/01/33 0 8408561 E22/G02 F 71,250.00 ZZ 360 71,199.72 1 7.750 510.44 93 7.500 510.44 TOLEDO OH 43609 5 01/28/03 04 0415458801 05 03/01/03 30 0415458801 O 02/01/33 0 8408623 E22/G02 F 178,100.00 ZZ 360 177,922.70 1 6.000 1,067.80 41 5.750 1,067.80 CHELSEA MI 48118 2 01/29/03 00 0415803006 05 03/01/03 0 0415803006 O 02/01/33 0 8408631 E22/G02 F 61,000.00 ZZ 360 60,948.75 1 6.875 400.73 85 6.625 400.73 AUGUSTA GA 30906 2 01/17/03 10 0415822733 05 03/01/03 20 0415822733 N 02/01/33 0 8408633 E22/G02 F 157,000.00 ZZ 360 156,851.03 1 1 6.250 966.68 80 6.000 966.68 FORT COLLINS CO 80526 2 01/29/03 00 0415828060 05 03/01/03 0 0415828060 O 02/01/33 0 8408641 E22/G02 F 445,000.00 ZZ 360 439,206.33 1 6.125 2,703.87 39 5.875 2,703.87 BROOMFIELD CO 80020 2 01/29/03 00 0415841964 05 03/01/03 0 0415841964 O 02/01/33 0 8408643 E22/G02 F 81,000.00 ZZ 360 80,942.83 1 7.750 580.29 75 7.500 580.29 BARTLETT TN 38135 5 02/03/03 00 0415842830 05 03/01/03 0 0415842830 N 02/01/33 0 8408735 E22/G02 F 128,400.00 ZZ 360 128,275.21 1 6.125 780.17 77 5.875 780.17 CARROLLTON TX 75007 2 01/28/03 00 0415918192 05 03/01/03 0 0415918192 O 02/01/33 0 8408757 E22/G02 F 121,125.00 ZZ 360 121,039.52 4 7.750 867.75 95 7.500 867.75 LOUISVILLE KY 40258 1 02/03/03 01 0415966704 05 03/01/03 30 0415966704 O 02/01/33 0 8408763 E22/G02 F 135,950.00 ZZ 360 135,814.66 1 6.000 815.09 49 5.750 815.09 WEATHERFORD TX 76087 2 01/29/03 00 0415967017 05 03/01/03 0 1 0415967017 O 02/01/33 0 8409251 S11/G02 F 360,000.00 ZZ 360 359,658.42 1 6.250 2,216.58 80 6.000 2,216.58 SAN JOSE CA 95124 1 01/13/03 00 0435358544 05 03/01/03 0 10210574 O 02/01/33 0 8409485 196/G02 F 149,300.00 ZZ 360 149,151.37 1 6.000 895.13 70 5.750 895.13 CHATHAM MA 02633 5 01/27/03 00 0435348735 05 03/01/03 0 1600372 O 02/01/33 0 8409489 196/G02 F 414,750.00 ZZ 360 414,375.05 1 6.500 2,621.51 75 6.250 2,621.51 NORTH HAMPTON NH 03862 5 01/14/03 00 0435346374 05 03/01/03 0 1603357 O 02/01/33 0 8409491 196/G02 F 431,000.00 ZZ 360 430,218.61 1 6.500 2,724.22 80 6.250 2,724.22 BURLINGTON MA 01803 5 12/30/02 00 0435344833 05 02/01/03 0 1607971 O 01/01/33 0 8409493 196/G02 F 592,000.00 ZZ 360 591,424.61 1 6.125 3,597.06 61 5.875 3,597.06 BURLINGAME CA 94010 5 01/23/03 00 0435365739 05 03/01/03 0 1613696 O 02/01/33 0 1 8409497 T44/G02 F 172,425.00 ZZ 360 172,272.87 3 6.625 1,104.06 75 6.375 1,104.06 PAWTUCKET RI 02861 1 01/10/03 00 0435361670 05 03/01/03 0 1062978 N 02/01/33 0 8409703 E33/G02 F 211,000.00 ZZ 360 211,000.00 1 6.500 1,333.66 58 6.250 1,333.66 CHICAGO IL 60657 5 02/24/03 00 0435506787 06 04/01/03 0 1 O 03/01/33 0 8409929 588/G02 F 193,700.00 ZZ 360 193,520.59 1 6.375 1,208.44 78 6.125 1,208.44 CAERNARVON TOWN PA 19543 1 01/24/03 00 0435349915 05 03/01/03 0 1079941 O 02/01/33 0 8410025 Q73/G02 F 179,000.00 ZZ 360 178,838.18 1 6.500 1,131.40 90 6.250 1,131.40 CLINTON MS 39056 1 01/31/03 01 0435342845 03 03/01/03 17 3021701 O 02/01/33 0 8410281 U85/G02 F 360,000.00 ZZ 360 359,690.05 1 6.750 2,334.95 80 6.500 2,334.95 DELAFIELD WI 53018 5 01/20/03 00 0435331418 05 03/01/03 0 100150 O 02/01/33 0 8410539 N74/G02 F 95,500.00 ZZ 360 95,421.72 1 7.000 635.36 89 6.750 635.36 1 FAYETTEVILLE AR 72701 2 01/31/03 01 0435382296 05 03/05/03 25 0031629010 O 02/05/33 0 8410853 Q59/G02 F 459,000.00 ZZ 360 458,632.94 1 7.125 3,092.37 90 6.875 3,092.37 NORTHRIDGE CA 91326 2 01/14/03 11 0435358692 05 03/01/03 25 0000404282 O 02/01/33 0 8411057 K15/G02 F 180,300.00 ZZ 360 180,120.51 2 6.000 1,080.99 52 5.750 1,080.99 DORCHESTER MA 02122 5 01/23/03 00 0435321229 05 03/01/03 0 013405509528 O 02/01/33 0 8411797 975/G02 F 336,000.00 ZZ 360 335,657.43 1 5.875 1,987.57 80 5.625 1,987.57 TORRANCE CA 90501 5 01/02/03 00 0435372537 05 03/01/03 0 2025596 O 02/01/33 0 8412377 G51/G02 F 188,900.00 ZZ 360 188,733.34 1 6.625 1,209.55 90 6.375 1,209.55 AURORA CO 80014 1 01/30/03 01 0435333786 01 03/01/03 25 02000796 O 02/01/33 0 8413051 F89/G02 F 499,000.00 ZZ 360 498,515.00 1 6.125 3,031.98 73 5.875 3,031.98 GLENDALE CA 91208 2 01/21/03 00 0435339072 05 03/01/03 0 16826753 O 02/01/33 0 1 8413105 E47/G02 F 85,000.00 ZZ 360 84,935.33 1 7.375 587.07 50 7.125 587.07 LATHROP CA 95330 5 01/16/03 00 0435350798 05 03/01/03 0 7333012917 N 02/01/33 0 8413125 E22/G02 F 88,800.00 ZZ 360 88,713.69 1 6.125 539.56 80 5.875 539.56 PLENTYWOOD MT 59254 2 01/29/03 00 0415510981 05 03/01/03 0 0415510981 O 02/01/33 0 8413179 E22/G02 F 200,336.00 ZZ 360 200,145.92 1 6.250 1,233.50 80 6.000 1,233.50 BOISE ID 83713 1 01/28/03 00 0415713734 03 03/01/03 0 0415713734 O 02/01/33 0 8413181 E22/G02 F 113,300.00 ZZ 360 113,200.04 1 6.625 725.47 67 6.375 725.47 EAST BRUNSWICK NJ 08816 1 02/04/03 00 0415730076 05 03/01/03 0 0415730076 N 02/01/33 0 8413219 E22/G02 F 135,000.00 ZZ 360 134,883.77 1 6.750 875.61 58 6.500 875.61 CENTRAL ISLIP NY 11722 5 01/30/03 00 0415858042 05 03/01/03 0 0415858042 O 02/01/33 0 8413231 E22/G02 F 55,250.00 ZZ 360 55,250.00 1 1 7.750 395.82 85 7.500 395.82 ATHENS AL 35613 5 01/30/03 04 0415883313 05 04/01/03 12 0415883313 O 03/01/33 0 8413233 E22/G02 F 169,600.00 ZZ 360 169,435.16 1 6.125 1,030.51 67 5.875 1,030.51 CEDAR HILL TX 75104 2 01/30/03 00 0415884295 05 03/01/03 0 0415884295 O 02/01/33 0 8413255 E22/G02 F 269,000.00 ZZ 360 268,738.55 1 6.125 1,634.47 54 5.875 1,634.47 MONTEBELLO NY 10901 5 01/30/03 00 0415902717 05 03/01/03 0 0415902717 O 02/01/33 0 8413307 E22/G02 F 152,000.00 ZZ 360 152,000.00 1 6.250 935.89 80 6.000 935.89 MADERA CA 93638 5 01/28/03 00 0415975564 05 04/01/03 0 0415975564 O 03/01/33 0 8413325 E22/G02 F 94,000.00 ZZ 360 93,906.42 1 6.000 563.58 46 5.750 563.58 BIRMINGHAM AL 35243 5 01/30/03 00 0416017564 05 03/01/03 0 0416017564 O 02/01/33 0 8413383 W35/G02 F 146,100.00 ZZ 360 145,951.04 1 5.875 864.24 70 5.625 864.24 INDIANAPOLIS IN 46239 2 01/30/03 00 0435327416 05 03/01/03 0 1 14564 O 02/01/33 0 8413417 E11/G02 F 67,000.00 ZZ 360 66,937.95 1 6.375 417.99 65 6.125 417.99 ST LOUIS MN 55416 5 01/27/03 00 0435353586 01 03/01/03 0 0003001052540 O 02/01/33 0 8413431 U05/G02 F 162,400.00 TX 360 162,245.91 1 6.250 999.92 80 6.000 999.92 HOUSTON TX 77068 5 01/14/03 00 0435335856 03 03/01/03 0 3297072 O 02/01/33 0 8413897 A50/G02 F 90,400.00 ZZ 360 90,324.06 1 6.875 593.86 80 6.625 593.86 TALLADEGA AL 35160 2 01/30/03 00 0435349071 05 03/01/03 0 979427 N 02/01/33 0 8413935 P44/G02 F 138,605.00 ZZ 360 138,496.88 1 7.250 945.53 95 7.000 945.53 LEOMINSTER MA 01453 1 01/30/03 10 0435329537 05 03/01/03 30 022622873 O 02/01/33 0 8414153 E82/G02 F 120,800.00 ZZ 360 120,800.00 1 6.375 753.63 44 6.125 753.63 CARLSBAD CA 92009 2 01/30/03 00 0400774956 01 04/01/03 0 1762912 O 03/01/33 0 1 8414197 P09/G02 F 120,000.00 ZZ 360 119,888.86 1 6.375 748.64 80 6.125 748.64 EAST STROUDSBUR PA 18301 5 01/30/03 00 0435346606 05 03/01/03 0 PA021205 O 02/01/33 0 8414217 K15/G02 F 127,100.00 ZZ 360 127,100.00 1 5.750 741.72 56 5.500 741.72 IDA MI 48140 2 01/29/03 00 0435335161 05 04/01/03 0 035005509913 O 03/01/33 0 8414233 A52/G02 F 114,300.00 ZZ 360 114,213.03 1 7.375 789.44 90 7.125 789.44 ATLANTA GA 30331 1 01/31/03 11 0435351127 01 03/01/03 25 23285 N 02/01/33 0 8414289 U05/G02 F 472,000.00 ZZ 360 471,552.14 1 6.250 2,906.19 80 6.000 2,906.19 FAIRFIELD CA 94534 5 01/10/03 00 0435348867 05 03/01/03 0 3280975 O 02/01/33 0 8414773 562/G02 F 240,000.00 ZZ 360 239,777.71 3 6.375 1,497.29 80 6.125 1,497.29 YONKERS NY 10701 1 01/31/03 00 0435340690 05 03/01/03 0 1 O 02/01/33 0 8414777 U42/G02 F 80,100.00 ZZ 360 80,034.34 1 7.000 532.91 80 6.750 532.91 1 IRVING TX 75062 2 01/30/03 00 0435396262 01 03/01/03 0 12203569 N 02/01/33 0 8414859 U42/G02 F 64,700.00 ZZ 360 64,646.97 1 7.000 430.45 78 6.750 430.45 MIDLOTHIAN TX 76065 2 01/28/03 00 0435346358 05 03/01/03 0 24300026 N 02/01/33 0 8415133 R84/G02 F 396,000.00 ZZ 360 395,624.26 1 6.250 2,438.24 80 6.000 2,438.24 HOUSTON TX 77082 1 01/28/03 00 0435376017 05 03/01/03 0 0668807 O 02/01/33 0 8415355 E22/G02 F 282,500.00 ZZ 360 282,211.98 2 5.875 1,671.09 51 5.625 1,671.09 HERMOSA BEACH CA 90254 5 01/24/03 00 0415707769 05 03/01/03 0 0415707769 O 02/01/33 0 8415441 E22/G02 F 31,500.00 ZZ 360 31,475.42 1 7.250 214.89 75 7.000 214.89 FORT WAYNE IN 46807 5 02/05/03 00 0415852516 05 03/01/03 0 0415852516 N 02/01/33 0 8415443 E22/G02 F 128,000.00 ZZ 360 127,869.50 1 5.875 757.17 80 5.625 757.17 CHEYENNE WY 82009 2 01/31/03 00 0415854835 05 03/01/03 0 0415854835 O 02/01/33 0 1 8415461 E22/G02 F 337,500.00 ZZ 360 337,194.90 3 6.500 2,133.23 75 6.250 2,133.23 PORT CHESTER NY 10573 1 02/05/03 00 0415879170 05 03/01/03 0 0415879170 N 02/01/33 0 8415493 E22/G02 F 82,700.00 ZZ 360 82,700.00 1 6.625 529.54 90 6.375 529.54 CALUMET CITY IL 60409 1 02/05/03 04 0415908045 05 04/01/03 25 0415908045 N 03/01/33 0 8415575 E22/G02 F 94,400.00 ZZ 360 94,316.72 1 6.625 604.45 80 6.375 604.45 HOCKLEY TX 77447 5 01/31/02 00 0415978592 05 03/01/03 0 0415978592 O 02/01/33 0 8415581 E22/G02 F 69,375.00 ZZ 360 69,313.79 1 6.625 444.22 75 6.375 444.22 SIMPSONVILLE SC 29681 1 02/05/03 00 0415990746 03 03/01/03 0 0415990746 N 02/01/33 0 8415595 E22/G02 F 650,000.00 ZZ 360 649,397.97 1 6.375 4,055.16 78 6.125 4,055.16 SOUTH LYON MI 48178 1 02/05/03 00 0416019594 29 03/01/03 0 0416019594 O 02/01/33 0 8415699 T44/G02 F 126,000.00 ZZ 360 125,901.71 4 1 7.250 859.54 90 7.000 859.54 CALIFORNIA CITY CA 93505 1 01/08/03 01 0435343405 05 03/01/03 25 1058819 N 02/01/33 0 8415837 758/G02 F 552,600.00 ZZ 360 552,075.67 1 6.250 3,402.45 62 6.000 3,402.45 FORT COLLINS CO 80524 5 01/21/03 00 0435426457 05 03/01/03 0 761311 O 02/01/33 0 8415871 E82/G02 F 115,950.00 ZZ 360 115,950.00 1 6.750 752.05 63 6.500 752.05 MEDFORD LAKES NJ 08055 2 02/03/03 00 0400766051 03 04/01/03 0 1727983 O 03/01/33 0 8415909 E82/G02 F 130,400.00 ZZ 360 130,400.00 1 6.375 813.53 80 6.125 813.53 GREELEY CO 80634 2 02/03/03 00 0400767869 03 04/01/03 0 3788409 O 03/01/33 0 8415925 E82/G02 F 258,700.00 ZZ 360 258,700.00 1 6.875 1,699.47 70 6.625 1,699.47 HOLLYWOOD FL 33019 2 02/03/03 00 0400759049 07 04/01/03 0 0400759049 O 03/01/33 0 8415973 T29/G02 F 191,000.00 ZZ 360 190,823.10 1 6.375 1,191.59 74 6.125 1,191.59 SHOW LOW AZ 85901 1 01/28/03 00 0435362637 03 03/01/03 0 1 1210924 O 02/01/33 0 8416061 369/G02 F 373,500.00 ZZ 360 342,722.74 1 7.125 2,516.34 90 6.875 2,516.34 COLORADO SPRING CO 80906 1 12/27/02 12 0435347737 05 02/01/03 25 0075025148 O 01/01/33 0 8416103 M24/G02 F 78,392.00 ZZ 360 78,335.27 1 7.625 554.85 80 7.375 554.85 LAS VEGAS NV 89123 1 01/17/03 00 0435379896 01 03/01/03 0 608107247 N 02/01/33 0 8416143 N74/G02 F 90,000.00 ZZ 360 90,000.00 1 6.250 554.15 71 6.000 554.15 DANVILLE VA 24540 2 01/31/03 00 0435382205 05 04/01/03 0 0031613010 O 03/01/33 0 8416149 Q73/G02 F 180,000.00 ZZ 360 179,829.21 1 6.250 1,108.29 82 6.000 1,108.29 SHREVEPORT LA 71106 2 01/23/03 28 0435351747 09 03/01/03 12 3023026 O 02/01/33 0 8416163 286/286 F 98,300.00 ZZ 360 96,022.11 2 6.750 637.57 73 6.500 637.57 ROUND ROCK TX 78664 2 10/31/02 00 1667959 05 01/01/03 0 1667959 N 12/01/32 0 1 8416187 286/286 F 240,000.00 ZZ 360 239,324.11 4 6.375 1,497.29 80 6.125 1,497.29 GRAPEVINE TX 76051 1 12/02/02 00 1788012 05 01/01/03 0 1788012 N 12/01/32 0 8416199 286/286 F 61,000.00 ZZ 360 60,829.57 1 6.375 380.57 59 6.125 380.57 NAPOLEON OH 43545 2 12/03/02 00 1730606 05 01/01/03 0 1730606 N 12/01/32 0 8416213 286/286 F 33,600.00 ZZ 360 33,455.36 1 7.750 240.72 80 7.500 240.72 HOLLYWOOD FL 33021 1 08/07/02 00 1440036 01 10/01/02 0 1440036 N 09/01/32 0 8416215 286/286 F 129,876.00 ZZ 360 129,622.89 1 6.125 789.14 80 5.875 789.14 MARANA AZ 85653 1 12/05/02 00 1842850 03 02/01/03 0 1842850 N 01/01/33 0 8416227 286/286 F 166,000.00 ZZ 360 165,423.44 2 6.750 1,076.68 80 6.500 1,076.68 MADISON WI 53713 2 10/25/02 00 1705137 05 12/01/02 0 1705137 N 11/01/32 0 8416233 286/286 F 148,000.00 ZZ 360 147,324.76 2 6.750 959.93 71 6.500 959.93 1 MADISON WI 53713 2 10/25/02 00 1705142 05 12/01/02 0 1705142 N 11/01/32 0 8416245 286/286 F 40,000.00 ZZ 360 39,861.08 1 6.750 259.44 50 6.500 259.44 SILVER CREEK GA 30173 5 10/25/02 00 1725172 05 12/01/02 0 1725172 N 11/01/32 0 8416257 286/286 F 50,310.00 ZZ 360 49,891.15 2 7.375 347.48 90 7.125 347.48 PITTSBURGH PA 15216 1 11/26/02 11 1756327 05 01/01/03 25 1756327 N 12/01/32 0 8416267 286/286 F 59,400.00 ZZ 360 59,256.65 1 7.125 400.19 90 6.875 400.19 PENDLETON IN 46064 1 11/26/02 11 1431068 05 01/01/03 25 1431068 N 12/01/32 0 8416271 286/286 F 64,100.00 ZZ 360 63,902.02 1 6.250 394.68 90 6.000 394.68 LAFAYETTE IN 47905 1 11/21/02 12 1757237 05 01/01/03 25 1757237 N 12/01/32 0 8416275 286/286 F 180,000.00 ZZ 360 179,013.08 1 7.125 1,212.70 40 6.875 1,212.70 SAN DIEGO CA 92130 2 10/23/02 00 1413770 01 12/01/02 0 1413770 N 11/01/32 0 1 8416283 286/286 F 111,500.00 ZZ 360 111,292.90 4 6.375 695.62 38 6.125 695.62 SAVOY IL 61874 2 12/11/02 00 1722367 05 02/01/03 0 1722367 N 01/01/33 0 8416291 286/286 F 74,000.00 ZZ 360 73,793.27 1 6.375 461.67 68 6.125 461.67 MELBOURNE FL 32940 5 11/01/02 00 1700959 03 01/01/03 0 1700959 N 12/01/32 0 8416303 286/286 F 58,500.00 ZZ 360 58,408.44 1 7.250 399.08 90 7.000 399.08 ROCKFORD IL 61101 1 12/06/02 11 1817079 05 02/01/03 25 1817079 N 01/01/33 0 8416311 286/286 F 465,000.00 ZZ 360 463,762.40 3 6.625 2,977.45 55 6.375 2,977.45 SUMMIT NJ 07901 2 12/04/02 00 1492687 05 01/01/03 0 1492687 N 12/01/32 0 8416321 286/286 F 63,750.00 ZZ 360 63,639.89 1 6.750 413.49 75 6.500 413.49 LOUISVILLE KY 40229 2 12/02/02 00 1671500 05 02/01/03 0 1671500 N 01/01/33 0 8416323 286/286 F 183,750.00 ZZ 360 183,272.70 1 1 6.750 1,191.80 75 6.500 1,191.80 MIAMI FL 33143 5 11/13/02 00 1649859 05 01/01/03 0 1649859 N 12/01/32 0 8416331 286/286 F 88,500.00 ZZ 360 88,335.62 1 6.375 552.13 68 6.125 552.13 ACWORTH GA 30101 5 12/12/02 00 1823252 03 02/01/03 0 1823252 N 01/01/33 0 8416353 286/286 F 62,400.00 ZZ 360 62,237.90 1 6.750 404.73 80 6.500 404.73 CARROLLTON GA 30117 1 11/14/02 00 1734096 05 01/01/03 0 1734096 N 12/01/32 0 8416355 286/286 F 63,500.00 ZZ 360 63,289.96 1 7.000 422.47 68 6.750 422.47 HAGERSTOWN MD 21740 2 10/28/02 00 1611267 05 12/01/02 0 1611267 N 11/01/32 0 8416361 286/286 F 67,500.00 ZZ 360 67,276.74 1 7.000 449.08 72 6.750 449.08 HAGERSTOWN MD 21740 2 10/28/02 00 1611827 05 12/01/02 0 1611827 N 11/01/32 0 8416363 286/286 F 60,000.00 ZZ 360 59,821.91 1 6.875 394.16 51 6.625 394.16 NILES IL 60714 2 10/28/02 00 1564643 01 01/01/03 0 1 1564643 N 12/01/32 0 8416365 286/286 F 101,600.00 ZZ 360 101,432.95 1 7.000 675.95 75 6.750 675.95 ROYAL OAK MI 48067 2 12/13/02 00 1682828 05 02/01/03 0 1682828 N 01/01/33 0 8416367 286/286 F 32,000.00 ZZ 360 31,896.73 1 7.125 215.59 80 6.875 215.59 MOUNT HOLLY NC 28120 1 10/29/02 00 1671193 05 12/01/02 0 1671193 N 11/01/32 0 8416369 286/286 F 24,000.00 ZZ 360 23,922.52 1 7.125 161.70 80 6.875 161.70 MOUNT HOLLY NC 28120 1 10/29/02 00 1671210 05 12/01/02 0 1671210 N 11/01/32 0 8416373 286/286 F 220,000.00 ZZ 360 219,591.38 1 6.375 1,372.52 80 6.125 1,372.52 HYATTSVILLE MD 20782 1 12/16/02 00 1838132 05 02/01/03 0 1838132 N 01/01/33 0 8416383 286/286 F 140,000.00 ZZ 360 139,501.80 1 6.625 896.44 66 6.375 896.44 TUCSON AZ 85750 5 10/18/02 00 1611671 05 12/01/02 0 1611671 N 11/01/32 0 1 8416389 286/286 F 54,700.00 ZZ 360 54,490.76 1 6.250 336.80 55 6.000 336.80 VIRGINIA BEACH VA 23462 2 10/31/02 00 1666845 03 12/01/02 0 1666845 N 11/01/32 0 8416393 286/286 F 90,000.00 ZZ 360 89,771.86 1 6.875 591.24 60 6.625 591.24 OAKWOOD OH 45419 2 11/15/02 00 1565573 05 01/01/03 0 1565573 N 12/01/32 0 8416395 286/286 F 83,200.00 ZZ 360 83,052.78 1 6.625 532.74 67 6.375 532.74 LEXINGTON KY 40504 5 12/09/02 00 1751380 05 02/01/03 0 1751380 N 01/01/33 0 8416397 286/286 F 168,000.00 ZZ 360 167,507.63 3 6.125 1,020.79 68 5.875 1,020.79 SAVANNAH GA 31401 5 12/04/02 00 1681264 05 01/01/03 0 1681264 N 12/01/32 0 8416417 286/286 F 153,000.00 ZZ 360 152,760.57 1 7.250 1,043.73 90 7.000 1,043.73 FREDERICK MD 21701 1 12/03/02 12 1782672 05 02/01/03 25 1782672 N 01/01/33 0 8416423 286/286 F 132,000.00 ZZ 360 131,736.52 1 6.000 791.41 80 5.750 791.41 1 WINCHESTER CT 06098 1 12/09/02 00 910867 05 02/01/03 0 910867 N 01/01/33 0 8416425 286/286 F 57,600.00 ZZ 360 57,404.76 1 6.875 378.39 80 6.625 378.39 NEW ORLEANS LA 70121 2 10/29/02 00 1673990 05 12/01/02 0 1673990 N 11/01/32 0 8416429 286/286 F 55,000.00 ZZ 360 54,857.14 1 6.750 356.73 80 6.500 356.73 MULBERRY IN 46058 1 12/05/02 00 1491664 05 01/01/03 0 1491664 N 12/01/32 0 8416431 286/286 F 172,000.00 ZZ 360 171,695.65 2 6.625 1,101.34 80 6.375 1,101.34 EVANSTON IL 60201 5 12/12/02 00 1744650 05 02/01/03 0 1744650 N 01/01/33 0 8416433 286/286 F 58,500.00 ZZ 360 58,355.28 1 7.000 389.21 90 6.750 389.21 MIAMI FL 33177 1 11/20/02 10 1745905 03 01/01/03 25 1745905 N 12/01/32 0 8416435 286/286 F 210,400.00 ZZ 360 209,853.49 1 6.750 1,364.65 80 6.500 1,364.65 RICHMOND VA 23220 1 11/26/02 00 1750062 05 01/01/03 0 1750062 N 12/01/32 0 1 8416437 286/286 F 69,120.00 ZZ 360 69,000.63 1 6.750 448.32 90 6.500 448.32 KATY TX 77493 1 12/06/02 11 1822952 05 02/01/03 25 1822952 N 01/01/33 0 8416439 286/286 F 78,950.00 ZZ 360 78,813.66 1 6.750 512.07 90 6.500 512.07 EULESS TX 76039 1 12/12/02 14 1808924 05 02/01/03 25 1808924 N 01/01/33 0 8416453 286/286 F 161,000.00 ZZ 360 160,550.23 2 6.375 1,004.44 75 6.125 1,004.44 MINNEAPOLIS MN 55418 5 11/18/02 00 1641224 05 01/01/03 0 1641224 N 12/01/32 0 8416465 286/286 F 80,000.00 ZZ 360 79,851.41 1 6.375 499.10 80 6.125 499.10 ORLANDO FL 32817 5 12/12/02 00 1791034 05 02/01/03 0 1791034 N 01/01/33 0 8416467 286/286 F 101,000.00 ZZ 360 100,242.37 1 6.375 630.11 71 6.125 630.11 CASA GRANDE AZ 85222 2 11/18/02 00 1696392 05 01/01/03 0 1696392 N 12/01/32 0 8416473 286/286 F 147,000.00 ZZ 360 146,746.16 1 1 6.750 953.44 38 6.500 953.44 LAKESIDE OH 43440 2 12/10/02 00 1747223 05 02/01/03 0 1747223 N 01/01/33 0 8416477 286/286 F 128,800.00 ZZ 360 128,457.18 1 6.625 824.73 80 6.375 824.73 GILBERT AZ 85233 2 11/22/02 00 1704372 03 01/01/03 0 1704372 N 12/01/32 0 8416479 286/286 F 83,700.00 ZZ 360 83,482.58 1 6.750 542.88 89 6.500 542.88 DELTONA FL 32725 1 11/27/02 12 1805175 05 01/01/03 25 1805175 N 12/01/32 0 8416485 286/286 F 61,200.00 ZZ 360 61,096.86 1 6.875 402.05 90 6.625 402.05 LAFAYETTE IN 47904 1 12/06/02 11 1795000 05 02/01/03 25 1795000 N 01/01/33 0 8416501 286/286 F 120,000.00 ZZ 360 119,583.22 1 6.750 778.32 77 6.500 778.32 ATLANTA GA 30314 5 11/01/02 00 1599149 05 12/01/02 0 1599149 N 11/01/32 0 8416505 286/286 F 96,000.00 ZZ 360 95,641.48 1 6.375 598.92 80 6.125 598.92 COLORADO SPRING CO 80911 2 10/22/02 00 1788206 05 12/01/02 0 1 1788206 N 11/01/32 0 8416513 286/286 F 76,500.00 ZZ 360 76,227.77 1 6.625 489.84 90 6.375 489.84 REXBURG ID 83440 1 10/24/02 11 1699947 05 12/01/02 25 1699947 N 11/01/32 0 8416519 286/286 F 38,000.00 ZZ 360 37,874.29 1 7.000 252.82 60 6.750 252.82 ROME GA 30165 2 10/30/02 00 1736747 05 12/01/02 0 1736747 N 11/01/32 0 8416521 286/286 F 108,000.00 ZZ 360 107,698.31 1 6.375 673.78 80 6.125 673.78 TULSA OK 74104 5 11/18/02 00 1705853 05 01/01/03 0 1705853 N 12/01/32 0 8416527 286/286 F 45,360.00 ZZ 360 45,250.53 2 7.125 305.60 66 6.875 305.60 CELINA OH 45822 5 11/20/02 00 1754057 05 01/01/03 0 1754057 N 12/01/32 0 8416537 286/286 F 74,000.00 ZZ 360 73,807.76 1 6.750 479.97 53 6.500 479.97 ESSEX JUNCTION VT 05452 2 11/22/02 00 1708841 01 01/01/03 0 1708841 N 12/01/32 0 1 8416549 286/286 F 41,400.00 ZZ 360 41,304.91 1 7.375 285.94 90 7.125 285.94 ROCKLEDGE FL 32955 1 11/27/02 10 1762256 05 01/01/03 25 1762256 N 12/01/32 0 8416551 286/286 F 100,450.00 ZZ 360 100,133.70 1 7.250 685.25 70 7.000 685.25 LOUISVILLE OH 44641 1 10/29/02 00 1682164 05 12/01/02 0 1682164 N 11/01/32 0 8416561 286/286 F 129,600.00 ZZ 360 129,381.62 2 6.875 851.38 80 6.625 851.38 TOLEDO OH 43612 1 12/13/02 00 1636074 05 02/01/03 0 1636074 N 01/01/33 0 8416569 286/286 F 92,800.00 ZZ 360 92,564.74 1 6.875 609.64 80 6.625 609.64 TUCSON AZ 85730 5 11/11/02 00 1648082 03 01/01/03 0 1648082 N 12/01/32 0 8416571 286/286 F 27,450.00 ZZ 348 27,408.07 1 7.375 191.40 90 7.125 191.40 FLINT MI 48506 1 12/05/02 11 1760489 05 02/01/03 25 1760489 N 01/01/32 0 8416573 286/286 F 80,000.00 ZZ 360 79,732.56 1 6.750 518.88 80 6.500 518.88 1 WASHINGTON DC 20019 5 11/25/02 00 1708940 05 01/01/03 0 1708940 N 12/01/32 0 8416577 286/286 F 79,200.00 ZZ 360 78,984.03 1 6.500 500.60 90 6.250 500.60 MARIETTA GA 30060 1 11/13/02 14 1824943 05 01/01/03 30 1824943 N 12/01/32 0 8416579 286/286 F 85,000.00 ZZ 360 84,697.51 1 6.625 544.27 66 6.375 544.27 MARLBORO NJ 07726 5 10/24/02 00 1641724 01 12/01/02 0 1641724 N 11/01/32 0 8416583 286/286 F 148,500.00 ZZ 360 148,112.57 1 6.750 963.17 90 6.500 963.17 SEVIERVILLE TN 37865 1 11/22/02 12 1781190 05 01/01/03 25 1781190 N 12/01/32 0 8416585 286/286 F 40,000.00 ZZ 360 39,923.89 1 6.250 246.29 80 6.000 246.29 HOPWOOD PA 15445 1 12/05/02 00 1726796 05 02/01/03 0 1726796 N 01/01/33 0 8416591 286/286 F 90,000.00 ZZ 360 89,836.82 1 6.500 568.87 70 6.250 568.87 BROOKVILLE OH 45309 5 12/18/02 00 1792945 05 02/01/03 0 1792945 N 01/01/33 0 1 8416595 286/286 F 102,000.00 ZZ 360 101,759.85 1 7.250 695.82 75 7.000 695.82 GLENSIDE PA 19038 5 11/26/02 00 1761580 05 01/01/03 0 1761580 N 12/01/32 0 8416609 286/286 F 123,000.00 ZZ 360 122,489.94 3 7.000 818.33 75 6.750 818.33 SANDWICH IL 60548 2 09/09/02 00 1497320 05 11/01/02 0 1497320 N 10/01/32 0 8416613 286/286 F 77,000.00 ZZ 360 76,660.21 1 7.625 545.01 70 7.375 545.01 FREEHOLD NJ 07728 5 08/22/02 00 1407000 05 10/01/02 0 1407000 N 09/01/32 0 8416615 286/286 F 114,800.00 ZZ 360 114,576.27 2 6.125 697.54 80 5.875 697.54 KENT OH 44240 1 12/17/02 00 1790144 05 02/01/03 0 1790144 N 01/01/33 0 8416627 286/286 F 56,250.00 ZZ 360 56,152.86 1 6.750 364.84 75 6.500 364.84 INDIANAPOLIS IN 46237 5 12/02/02 00 1717841 05 02/01/03 0 1717841 N 01/01/33 0 8416629 L20/G02 F 140,800.00 ZZ 360 140,656.44 1 1 5.875 832.89 80 5.625 832.89 SOUTH OGDEN UT 84403 1 01/30/03 00 0435383914 05 03/01/03 0 1061070146 O 02/01/33 0 8416631 286/286 F 115,000.00 ZZ 360 114,686.42 1 6.500 726.88 72 6.250 726.88 MC LEAN VA 22101 2 11/26/02 00 1484284 01 01/01/03 0 1484284 N 12/01/32 0 8416635 286/286 F 88,200.00 ZZ 360 87,970.89 1 6.750 572.07 90 6.500 572.07 RIO RANCHO NM 87124 1 11/26/02 12 1780240 05 01/01/03 25 1780240 N 12/01/32 0 8416639 286/286 F 58,000.00 ZZ 360 57,686.79 1 7.250 395.67 80 7.000 395.67 MILLERSVILLE PA 17551 1 12/04/02 00 1737436 05 01/01/03 0 1737436 N 12/01/32 0 8416641 286/286 F 90,800.00 ZZ 360 90,631.37 2 6.375 566.47 41 6.125 566.47 WHEAT RIDGE CO 80033 2 12/06/02 00 1764026 05 02/01/03 0 1764026 N 01/01/33 0 8416651 286/286 F 68,000.00 ZZ 360 67,270.47 1 6.625 435.42 80 6.375 435.42 ROANOKE VA 24012 1 12/19/02 00 1754451 05 02/01/03 0 1 1754451 N 01/01/33 0 8416667 286/286 F 53,000.00 ZZ 360 52,841.16 3 7.500 370.59 73 7.250 370.59 COLUMBIA CITY IN 46725 2 10/28/02 00 1579017 05 12/01/02 0 1579017 N 11/01/32 0 8416669 286/286 F 544,000.00 ZZ 360 542,552.13 4 6.625 3,483.30 80 6.375 3,483.30 SEA BRIGHT NJ 07760 1 11/25/02 00 1703967 05 01/01/03 0 1703967 N 12/01/32 0 8416695 286/286 F 180,000.00 ZZ 360 179,665.67 3 6.375 1,122.97 66 6.125 1,122.97 FOREST PARK IL 60130 5 12/13/02 00 1805566 05 02/01/03 0 1805566 N 01/01/33 0 8416699 286/286 F 86,400.00 ZZ 360 85,615.62 1 6.625 553.23 69 6.375 553.23 HOUSTON TX 77018 5 11/22/02 00 1725126 05 01/01/03 0 1725126 N 12/01/32 0 8416705 286/286 F 152,100.00 ZZ 360 151,177.60 2 7.250 1,037.60 90 7.000 1,037.60 ASBURY PARK NJ 07712 1 10/29/02 12 1696674 05 12/01/02 25 1696674 N 11/01/32 0 1 8416707 286/286 F 195,900.00 ZZ 360 195,536.13 3 6.375 1,222.17 70 6.125 1,222.17 CHICAGO IL 60653 5 12/16/02 00 1681398 05 02/01/03 0 1681398 N 01/01/33 0 8416711 286/286 F 39,600.00 ZZ 360 39,502.05 1 7.000 263.46 90 6.750 263.46 LEBANON PA 17046 1 11/26/02 12 1781435 05 01/01/03 25 1781435 N 12/01/32 0 8416713 286/286 F 99,400.00 ZZ 360 99,027.23 1 6.750 644.71 70 6.500 644.71 AVENTURA FL 33180 5 12/10/02 00 1864328 01 02/01/03 0 1864328 N 01/01/33 0 8416717 286/286 F 154,350.00 ZZ 360 153,986.58 1 7.250 1,052.94 80 7.000 1,052.94 NOBLESVILLE IN 46060 1 11/27/02 00 1817691 05 01/01/03 0 1817691 N 12/01/32 0 8416719 286/286 F 70,000.00 ZZ 360 69,762.69 1 6.875 459.86 80 6.625 459.86 NORTH LOGAN UT 84341 1 10/25/02 00 1742156 03 12/01/02 0 1742156 N 11/01/32 0 8416723 286/286 F 90,000.00 ZZ 360 89,848.34 1 6.875 591.24 44 6.625 591.24 1 CHARLESTON SC 29414 5 12/11/02 00 1620037 05 02/01/03 0 1620037 N 01/01/33 0 8416735 286/286 F 101,600.00 ZZ 360 101,233.65 1 6.000 609.15 80 5.750 609.15 MIAMI FL 33056 5 11/26/02 00 1780129 05 01/01/03 0 1780129 N 12/01/32 0 8416737 286/286 F 168,800.00 ZZ 360 168,392.62 1 7.125 1,137.24 80 6.875 1,137.24 DECATUR GA 30034 2 11/25/02 00 1555877 05 01/01/03 0 1555877 N 12/01/32 0 8416743 286/286 F 50,800.00 ZZ 360 50,722.44 2 7.375 350.87 80 7.125 350.87 MT VERNON OH 43050 1 12/05/02 00 1717723 05 02/01/03 0 1717723 N 01/01/33 0 8416749 286/286 F 40,500.00 ZZ 360 40,392.20 1 6.625 259.33 63 6.375 259.33 ROANOKE VA 24012 5 11/26/02 00 1597727 05 01/01/03 0 1597727 N 12/01/32 0 8416757 967/G02 F 108,000.00 ZZ 360 108,000.00 1 6.375 673.78 80 6.125 673.78 VANCOUVER WA 98662 2 01/29/03 00 0435349303 07 04/01/03 0 5950746 N 03/01/33 0 1 8416759 286/286 F 100,000.00 ZZ 360 99,661.05 1 6.875 656.93 80 6.625 656.93 DALLAS GA 30132 5 10/28/02 00 1730179 05 12/01/02 0 1730179 N 11/01/32 0 8416763 286/286 F 222,500.00 ZZ 360 221,745.83 1 6.875 1,461.67 49 6.625 1,461.67 SOUTH SAN FRANC CA 94080 2 10/14/02 00 1573290 05 12/01/02 0 1573290 N 11/01/32 0 8416765 286/286 F 107,800.00 ZZ 360 107,627.07 1 7.125 726.27 70 6.875 726.27 WARWICK RI 02886 5 12/16/02 00 1827219 05 02/01/03 0 1827219 N 01/01/33 0 8416779 883/G02 F 75,000.00 ZZ 360 74,932.20 1 6.500 474.05 55 6.250 474.05 GULFPORT FL 33707 5 01/29/03 00 0435434360 05 03/01/03 0 05020300 O 02/01/33 0 8416783 286/286 F 101,940.00 ZZ 360 101,699.96 1 7.250 695.42 60 7.000 695.42 ST MICHAELS MD 21663 1 11/27/02 00 1717832 05 01/01/03 0 1717832 N 12/01/32 0 8416795 286/286 F 86,250.00 ZZ 300 85,895.78 1 1 6.375 575.65 75 6.125 575.65 VILLA RICA GA 30180 5 11/21/02 00 1752205 05 01/01/03 0 1752205 N 12/01/27 0 8416799 286/286 F 58,950.00 ZZ 360 58,785.30 1 6.375 367.78 54 6.125 367.78 AUSTIN TX 78704 2 12/02/02 00 1749220 03 01/01/03 0 1749220 N 12/01/32 0 8416801 286/286 F 60,000.00 ZZ 360 59,851.56 1 7.000 399.19 80 6.750 399.19 LAGRANGE KY 40031 1 12/06/02 00 1755222 05 01/01/03 0 1755222 N 12/01/32 0 8416803 286/286 F 100,000.00 ZZ 360 99,441.18 1 7.125 673.72 80 6.875 673.72 CHATTANOOGA TN 37415 5 11/01/02 00 1715079 05 12/01/02 0 1715079 N 11/01/32 0 8416805 286/286 F 39,510.00 ZZ 360 39,449.68 1 7.375 272.89 90 7.125 272.89 FORT WAYNE IN 46805 1 12/06/02 21 1758006 05 02/01/03 25 1758006 N 01/01/33 0 8416823 286/286 F 64,350.00 ZZ 360 64,061.54 1 7.000 428.12 90 6.750 428.12 TUCSON AZ 85705 1 11/18/02 11 1764895 05 01/01/03 25 1 1764895 N 12/01/32 0 8416825 286/286 F 66,000.00 ZZ 360 65,820.02 1 6.500 417.17 49 6.250 417.17 FOUNTAIN HILLS AZ 85268 5 11/12/02 00 1458454 03 01/01/03 0 1458454 N 12/01/32 0 8416829 286/286 F 95,300.00 ZZ 360 95,058.41 1 6.875 626.06 90 6.625 626.06 OAKWOOD GA 30566 1 11/15/02 12 1681243 03 01/01/03 25 1681243 N 12/01/32 0 8416831 883/G02 F 184,000.00 ZZ 360 183,816.83 1 6.000 1,103.17 41 5.750 1,103.17 COCOA BEACH FL 32931 2 01/24/03 00 0435344445 08 03/01/03 0 02110000 O 02/01/33 0 8416833 286/286 F 140,000.00 ZZ 360 139,477.17 3 6.375 873.42 74 6.125 873.42 JOHNSTON RI 02919 2 10/29/02 00 1520624 05 12/01/02 0 1520624 N 11/01/32 0 8416841 A21/G02 F 200,000.00 ZZ 360 199,810.23 1 6.250 1,231.44 78 6.000 1,231.44 CAPE CORAL FL 33990 5 01/27/03 00 0435355276 05 03/01/03 0 0100134142 O 02/01/33 0 1 8416847 286/286 F 205,950.00 ZZ 360 205,360.71 1 6.250 1,268.07 72 6.000 1,268.07 WESTWOOD NJ 07675 2 11/27/02 00 1631274 05 01/01/03 0 1631274 N 12/01/32 0 8416849 286/286 F 114,500.00 ZZ 360 114,302.27 1 6.750 742.65 54 6.500 742.65 AUSTIN TX 78751 5 12/02/02 00 1743534 05 02/01/03 0 1743534 N 01/01/33 0 8416861 286/286 F 50,400.00 ZZ 360 50,275.29 1 7.000 335.32 80 6.750 335.32 LUBBOCK TX 79416 1 11/08/02 00 1736745 05 01/01/03 0 1736745 N 12/01/32 0 8416863 286/286 F 117,000.00 ZZ 360 116,582.60 2 6.500 739.52 64 6.250 739.52 HAMILITON NJ 08610 2 12/06/02 00 1586014 05 02/01/03 0 1586014 N 01/01/33 0 8416865 286/286 F 175,000.00 ZZ 360 174,650.69 1 6.000 1,049.22 67 5.750 1,049.22 SANTA CLARITA CA 91350 2 12/11/02 00 1758925 05 02/01/03 0 1758925 N 01/01/33 0 8416867 286/286 F 174,000.00 ZZ 360 173,478.60 2 7.500 1,216.63 78 7.250 1,216.63 1 NEW ORLEANS LA 70125 2 10/15/02 00 1604629 05 12/01/02 0 1604629 N 11/01/32 0 8416873 286/286 F 62,100.00 ZZ 360 61,868.06 1 6.375 387.43 90 6.125 387.43 PHILADELPHIA PA 19146 1 11/01/02 10 1537419 05 12/01/02 25 1537419 N 11/01/32 0 8416877 286/286 F 105,000.00 ZZ 360 104,839.71 3 7.375 725.21 70 7.125 725.21 SPRINGFIELD MA 01108 5 12/03/02 00 1686327 05 02/01/03 0 1686327 N 01/01/33 0 8416879 286/286 F 31,500.00 ZZ 360 31,451.90 1 7.375 217.57 90 7.125 217.57 DECATUR IL 62521 1 12/13/02 10 1708215 05 02/01/03 25 1708215 N 01/01/33 0 8416887 286/286 F 80,000.00 ZZ 360 79,722.14 1 6.750 518.88 56 6.500 518.88 COPPER MT CO 80435 5 11/01/02 00 1679014 01 12/01/02 0 1679014 N 11/01/32 0 8416895 286/286 F 142,300.00 ZZ 360 141,868.19 1 6.250 876.17 65 6.000 876.17 TUCSON AZ 85701 2 11/26/02 00 1511063 05 01/01/03 0 1511063 N 12/01/32 0 1 8416937 286/286 F 138,300.00 ZZ 360 137,831.21 2 6.875 908.54 80 6.625 908.54 GARLAND TX 75043 5 10/29/02 00 1641605 05 12/01/02 0 1641605 N 11/01/32 0 8416943 286/286 F 114,500.00 ZZ 360 114,121.25 1 7.000 761.78 80 6.750 761.78 WORTHINGTON OH 43085 2 10/31/02 00 1590368 05 12/01/02 0 1590368 N 11/01/32 0 8416957 286/286 F 115,150.00 ZZ 360 114,605.83 1 7.375 795.32 90 7.125 795.32 ROANOKE TX 76262 1 11/12/02 12 1753364 05 01/01/03 25 1753364 N 12/01/32 0 8416961 286/286 F 94,150.00 ZZ 360 93,644.64 4 6.625 602.86 80 6.375 602.86 TUCSON AZ 85706 1 08/27/02 00 1487433 05 10/01/02 0 1487433 N 09/01/32 0 8416965 286/286 F 157,500.00 ZZ 360 156,952.96 1 6.750 1,021.55 90 6.500 1,021.55 GAITHERSBURG MD 20879 1 10/28/02 10 1703719 03 12/01/02 25 1703719 N 11/01/32 0 8416967 286/286 F 85,000.00 ZZ 360 84,558.49 1 1 7.000 565.51 44 6.750 565.51 TROY MI 48084 2 12/17/02 00 1747698 05 02/01/03 0 1747698 N 01/01/33 0 8416971 286/286 F 273,200.00 ZZ 360 272,296.36 2 7.000 1,817.61 80 6.750 1,817.61 ATLANTA GA 30324 1 11/01/02 00 1688277 05 12/01/02 0 1688277 N 11/01/32 0 8416975 286/286 F 104,850.00 ZZ 360 104,555.37 1 7.000 697.57 90 6.750 697.57 INDIANAPOLIS IN 46228 1 11/22/02 12 1737835 03 01/01/03 25 1737835 N 12/01/32 0 8416977 286/286 F 70,200.00 ZZ 360 69,894.50 1 7.000 467.05 90 6.750 467.05 STRASBURG VA 22657 1 10/31/02 10 1640932 05 12/01/02 25 1640932 N 11/01/32 0 8416983 286/286 F 48,400.00 ZZ 360 48,211.81 1 7.250 330.18 80 7.000 330.18 CRAWFORDSVILLE IN 47933 1 12/11/02 00 1833030 05 02/01/03 0 1833030 N 01/01/33 0 8416985 286/286 F 64,000.00 ZZ 360 63,841.68 1 7.000 425.80 80 6.750 425.80 LAKE ST LOUIS MO 63367 1 11/13/02 00 1746280 01 01/01/03 0 1 1746280 N 12/01/32 0 8416991 286/286 F 69,600.00 ZZ 300 69,145.92 1 6.250 459.13 80 6.000 459.13 WESTCARROLLTON OH 45449 2 11/25/02 00 1741280 05 01/01/03 0 1741280 N 12/01/27 0 8417001 286/286 F 56,000.00 ZZ 360 55,905.63 1 6.875 367.88 78 6.625 367.88 SALISBURY NC 28146 2 12/11/02 00 1778661 05 02/01/03 0 1778661 N 01/01/33 0 8417003 286/286 F 56,000.00 ZZ 360 55,905.62 1 6.875 367.89 68 6.625 367.88 SALISBURY NC 28146 5 12/11/02 00 1778663 05 02/01/03 0 1778663 N 01/01/33 0 8417007 286/286 F 107,600.00 ZZ 360 107,244.08 1 7.000 715.87 80 6.750 715.87 SAINT PAUL MN 55104 1 10/30/02 00 1625750 05 12/01/02 0 1625750 N 11/01/32 0 8417013 286/286 F 112,410.00 ZZ 360 112,131.95 1 7.000 747.87 90 6.750 747.87 SAINT PAUL MN 55101 1 11/27/02 21 1762641 05 01/01/03 25 1762641 N 12/01/32 0 1 8417023 286/286 F 86,100.00 ZZ 360 85,881.74 1 6.875 565.62 75 6.625 565.62 BEAUFORT SC 29907 1 11/25/02 00 1711679 05 01/01/03 0 1711679 N 12/01/32 0 8417039 286/286 F 120,000.00 ZZ 360 119,766.12 2 6.125 729.14 75 5.875 729.14 CRANSTON RI 02920 5 11/27/02 00 1647652 05 02/01/03 0 1647652 N 01/01/33 0 8417041 286/286 F 99,600.00 ZZ 360 99,161.23 1 6.875 654.31 74 6.625 654.31 MCHENRY IL 60050 2 10/30/02 00 1634523 05 12/01/02 0 1634523 N 11/01/32 0 8417047 286/286 F 53,600.00 ZZ 360 53,439.38 1 7.500 374.78 80 7.250 374.78 MIRAMAR FL 33025 1 10/21/02 00 1699344 01 12/01/02 0 1699344 N 11/01/32 0 8417053 286/286 F 36,000.00 ZZ 360 35,903.87 1 7.000 239.51 80 6.750 239.51 OKLAHOMA CITY OK 73112 2 11/25/02 00 1587873 05 01/01/03 0 1587873 N 12/01/32 0 8417059 286/286 F 83,000.00 ZZ 360 82,750.87 1 6.000 497.63 62 5.750 497.63 1 MADISON VA 22727 5 11/27/02 00 1020046 05 01/01/03 0 1020046 N 12/01/32 0 8417095 286/286 F 232,500.00 ZZ 360 231,791.32 3 6.250 1,431.55 75 6.000 1,431.55 DRACUT MA 01826 1 12/02/02 00 1792183 05 01/01/03 0 1792183 N 12/01/32 0 8417103 286/286 F 50,400.00 ZZ 360 50,219.99 1 6.875 331.10 90 6.625 331.10 ALLENTOWN PA 18103 1 10/31/02 11 1716570 05 12/01/02 25 1716570 N 11/01/32 0 8417105 286/286 F 76,000.00 ZZ 360 75,709.15 1 6.750 492.94 68 6.500 492.94 ROCKVILLE MD 20852 1 12/06/02 00 1793669 01 02/01/03 0 1793669 N 01/01/33 0 8417107 286/286 F 123,500.00 ZZ 360 123,253.49 2 6.000 740.45 80 5.750 740.45 MONROE MI 48161 2 12/04/02 00 1641514 05 02/01/03 0 1641514 N 01/01/33 0 8417113 286/286 F 575,000.00 ZZ 360 572,852.67 4 6.375 3,587.26 66 6.125 3,587.26 SAN ANSELMO CA 94960 1 10/24/02 00 1700918 05 12/01/02 0 1700918 N 11/01/32 0 1 8417117 286/286 F 87,000.00 ZZ 360 86,773.99 1 6.750 564.29 63 6.500 564.29 MCCLOUD CA 96057 5 11/26/02 00 1638451 05 01/01/03 0 1638451 N 12/01/32 0 8417123 286/286 F 135,000.00 ZZ 360 134,788.74 1 7.250 920.94 90 7.000 920.94 MIAMI FL 33186 1 12/20/02 14 1861941 05 02/01/03 25 1861941 N 01/01/33 0 8417125 286/286 F 122,250.00 ZZ 359 122,033.67 1 6.625 782.79 75 6.375 782.79 FAIR OAKS CA 95628 1 12/05/02 00 1836714 03 02/01/03 0 1836714 N 12/01/32 0 8417131 286/286 F 80,000.00 ZZ 360 79,868.45 1 7.000 532.25 26 6.750 532.25 NORTH ANDOVER MA 01845 5 12/16/02 00 1736028 05 02/01/03 0 1736028 N 01/01/33 0 8417137 286/286 F 100,000.00 ZZ 360 99,831.50 1 6.875 656.93 80 6.625 656.93 BALTIMORE MD 21234 5 12/11/02 00 0001245504 05 02/01/03 0 0001245504 N 01/01/33 0 8417143 286/286 F 82,800.00 ZZ 360 82,333.07 1 1 6.875 543.94 67 6.625 543.94 PLANO TX 75074 1 11/26/02 00 1750373 05 01/01/03 0 1750373 N 12/01/32 0 8417153 286/286 F 92,000.00 ZZ 360 91,735.86 1 6.375 573.97 80 6.125 573.97 CHASKA MN 55318 1 11/26/02 00 1791636 01 01/01/03 0 1791636 N 12/01/32 0 8417155 286/286 F 156,000.00 ZZ 360 155,604.56 1 6.875 1,024.81 80 6.625 1,024.81 SACRAMENTO CA 95826 5 11/19/02 00 1761471 05 01/01/03 0 1761471 N 12/01/32 0 8417157 286/286 F 100,000.00 ZZ 360 99,727.32 1 6.500 632.07 77 6.250 632.07 NORTH WALES PA 19454 5 11/26/02 00 1797169 03 01/01/03 0 1797169 N 12/01/32 0 8417159 286/286 F 63,700.00 ZZ 360 63,584.51 1 6.500 402.63 80 6.250 402.63 REDDING CA 96002 2 12/12/02 00 1845835 05 02/01/03 0 1845835 N 01/01/33 0 8417167 286/286 F 164,000.00 ZZ 360 163,573.99 1 6.750 1,063.71 80 6.500 1,063.71 RENO NV 89523 1 11/26/02 00 1820048 05 01/01/03 0 1 1820048 N 12/01/32 0 8417175 286/286 F 71,400.00 ZZ 360 70,189.88 1 6.375 445.45 32 6.125 445.45 STOCKTON CA 95207 2 11/27/02 00 1807856 03 01/01/03 0 1807856 N 12/01/32 0 8417181 286/286 F 128,800.00 ZZ 360 128,511.43 2 7.500 900.59 80 7.250 900.59 CRANSTON RI 02920 1 12/02/02 00 1719520 05 01/01/03 0 1719520 N 12/01/32 0 8417191 286/286 F 250,000.00 ZZ 360 248,023.57 3 6.625 1,600.78 45 6.375 1,600.78 OAKLAND CA 94610 5 11/07/02 00 1688652 05 01/01/03 0 1688652 N 12/01/32 0 8417193 286/286 F 50,100.00 ZZ 360 49,993.25 1 6.500 316.67 32 6.250 316.67 PALM DESERT CA 92211 2 12/12/02 00 1867500 05 02/01/03 0 1867500 N 01/01/33 0 8417195 286/286 F 48,000.00 ZZ 360 47,921.07 1 7.000 319.35 69 6.750 319.35 MUNCIE IN 47302 5 12/23/02 00 1878899 05 02/01/03 0 1878899 N 01/01/33 0 1 8417199 286/286 F 133,000.00 ZZ 360 132,746.94 1 6.250 818.91 56 6.000 818.91 VISTA CA 92084 2 12/13/02 00 1812099 05 02/01/03 0 1812099 N 01/01/33 0 8417203 286/286 F 167,000.00 ZZ 360 166,630.01 1 6.625 1,069.32 42 6.375 1,069.32 CONCORD CA 94521 1 12/09/02 00 1845187 05 02/01/03 0 1845187 N 01/01/33 0 8417217 286/286 F 152,250.00 ZZ 360 151,854.51 1 6.750 987.50 90 6.500 987.50 UNIVERSITY PLAC WA 98467 1 11/26/02 10 1800809 01 01/01/03 25 1800809 N 12/01/32 0 8417223 286/286 F 49,500.00 ZZ 360 49,383.44 1 7.250 337.68 90 7.000 337.68 CAMDEN DE 19934 1 11/25/02 11 1788575 05 01/01/03 25 1788575 N 12/01/32 0 8417225 286/286 F 218,000.00 ZZ 360 217,595.10 1 6.375 1,360.04 35 6.125 1,360.04 DANVILLE CA 94526 2 12/16/02 00 1779391 03 02/01/03 0 1779391 N 01/01/33 0 8417229 286/286 F 23,900.00 ZZ 360 23,843.73 1 7.250 163.04 80 7.000 163.04 1 WASHINGTON DC 20032 1 12/05/02 00 0001246442 01 01/01/03 0 0001246442 N 12/01/32 0 8417235 286/286 F 87,600.00 ZZ 360 87,361.14 1 6.500 553.69 70 6.250 553.69 MERIDIAN ID 83642 2 11/25/02 00 0001248364 03 01/01/03 0 0001248364 N 12/01/32 0 8417237 286/286 F 105,200.00 ZZ 360 104,913.13 1 6.500 664.94 76 6.250 664.94 MERIDIAN ID 83642 2 11/25/02 00 0001248724 03 01/01/03 0 0001248724 N 12/01/32 0 8417239 286/286 F 294,000.00 ZZ 360 293,178.74 2 6.375 1,834.18 70 6.125 1,834.18 E FALMOUTH MA 02536 5 11/22/02 00 1683924 05 01/01/03 0 1683924 N 12/01/32 0 8417241 286/286 F 155,000.00 ZZ 360 154,177.24 1 6.375 967.00 74 6.125 967.00 FONTANA CA 92336 2 11/14/02 00 1806431 05 01/01/03 0 1806431 N 12/01/32 0 8417247 286/286 F 185,000.00 ZZ 360 182,582.49 1 6.500 1,169.33 73 6.250 1,169.33 CHICO CA 95928 2 12/19/02 00 1847795 05 02/01/03 0 1847795 N 01/01/33 0 1 8417251 286/286 F 116,250.00 ZZ 360 116,039.25 1 6.500 734.78 75 6.250 734.78 LEHI UT 84043 2 12/05/02 00 1674109 05 02/01/03 0 1674109 N 01/01/33 0 8417257 286/286 F 61,250.00 ZZ 360 61,138.94 1 6.500 387.15 37 6.250 387.15 OAK HARBOR WA 98277 1 12/17/02 00 1856796 05 02/01/03 0 1856796 N 01/01/33 0 8417259 286/286 F 51,150.00 ZZ 360 51,032.49 1 7.375 353.29 90 7.125 353.29 RICHMOND VA 23223 1 11/27/02 14 1804648 03 01/01/03 25 1804648 N 12/01/32 0 8417271 286/286 F 157,500.00 ZZ 360 157,193.05 1 6.125 956.99 70 5.875 956.99 BELCHERTOWN MA 01007 5 12/11/02 00 1733622 05 02/01/03 0 1733622 N 01/01/33 0 8417273 286/286 F 129,300.00 ZZ 360 129,059.84 1 6.375 806.67 75 6.125 806.67 SPARKS NV 89436 1 12/03/02 00 1767077 03 02/01/03 0 1767077 N 01/01/33 0 8417283 286/286 F 150,000.00 ZZ 360 149,740.97 1 1 6.750 972.90 40 6.500 972.90 DISCOVERY BAY CA 94514 2 12/02/02 00 1751910 03 02/01/03 0 1751910 N 01/01/33 0 8417289 286/286 F 210,000.00 ZZ 360 209,499.92 1 6.250 1,293.01 68 6.000 1,293.01 CARLSBAD CA 92008 5 12/09/02 00 1810696 03 02/01/03 0 1810696 N 01/01/33 0 8417293 286/286 F 360,000.00 ZZ 360 359,298.41 2 6.125 2,187.40 56 5.875 2,187.40 FREMONT CA 94538 5 12/12/02 00 1837098 05 02/01/03 0 1837098 N 01/01/33 0 8417309 286/286 F 190,000.00 ZZ 360 189,655.55 1 6.500 1,200.93 68 6.250 1,200.93 BROOKLINE MA 02446 5 12/06/02 00 1797339 01 02/01/03 0 1797339 N 01/01/33 0 8417319 286/286 F 82,700.00 ZZ 360 82,484.68 1 6.000 495.83 80 5.750 495.83 PHOENIX AZ 85042 5 12/19/02 00 1866454 03 02/01/03 0 1866454 N 01/01/33 0 8417321 286/286 F 170,000.00 ZZ 360 169,733.96 1 7.250 1,159.70 58 7.000 1,159.70 HOLLISTER CA 95023 2 12/06/02 00 1816436 05 02/01/03 0 1 1816436 N 01/01/33 0 8417329 286/286 F 31,500.00 ZZ 360 31,425.81 1 7.250 214.89 90 7.000 214.89 HOT SPRINGS AR 71913 1 11/22/02 11 1750160 05 01/01/03 25 1750160 N 12/01/32 0 8417335 286/286 F 51,300.00 ZZ 360 51,160.09 1 6.500 324.26 90 6.250 324.26 PORTLAND OR 97203 1 12/03/02 10 1602788 05 01/01/03 25 1602788 N 12/01/32 0 8417341 286/286 F 150,000.00 ZZ 360 149,600.76 1 6.625 960.47 67 6.375 960.47 TEMECULA CA 92591 1 11/25/02 00 1817486 03 01/01/03 0 1817486 N 12/01/32 0 8417355 286/286 F 310,000.00 ZZ 360 308,896.86 1 6.625 1,984.97 72 6.375 1,984.97 DALLAS TX 75205 1 10/21/02 00 1623526 05 12/01/02 0 1623526 N 11/01/32 0 8417357 286/286 F 110,600.00 ZZ 360 109,938.25 2 6.875 726.57 70 6.625 726.57 SALT LAKE CITY UT 84115 5 07/09/02 00 1374524 05 09/01/02 0 1374524 N 08/01/32 0 1 8417363 286/286 F 40,000.00 ZZ 360 39,874.99 1 6.375 249.55 64 6.125 249.55 SANDY OR 97055 5 12/13/02 00 1249502 05 02/01/03 0 1249502 N 01/01/33 0 8417371 286/286 F 37,000.00 ZZ 360 36,942.09 1 7.250 252.41 50 7.000 252.41 INDIANAPOLIS IN 46203 5 12/17/02 00 1863948 05 02/01/03 0 1863948 N 01/01/33 0 8417381 286/286 F 127,150.00 ZZ 360 126,919.48 1 6.500 803.68 53 6.250 803.68 FAIR OAKS CA 95628 5 12/23/02 00 1859240 05 02/01/03 0 1859240 N 01/01/33 0 8417385 286/286 F 164,500.00 ZZ 360 164,201.76 4 6.500 1,039.76 70 6.250 1,039.76 FONTANA CA 92336 1 12/02/02 00 1724470 05 02/01/03 0 1724470 N 01/01/33 0 8417391 286/286 F 262,000.00 ZZ 360 261,589.98 4 7.250 1,787.31 70 7.000 1,787.31 BURBANK CA 91502 5 12/10/02 00 1550953 05 02/01/03 0 1550953 N 01/01/33 0 8417395 286/286 F 41,300.00 ZZ 360 41,262.66 2 6.500 261.05 35 6.250 261.05 1 SALT LAKE CITY UT 84104 1 01/06/03 00 1902471 05 03/01/03 0 1902471 N 02/01/33 0 8417403 286/286 F 100,000.00 ZZ 360 99,831.50 1 6.875 656.93 55 6.625 656.93 PALM DESRT CA 92211 1 12/09/02 00 1844621 03 02/01/03 0 1844621 N 01/01/33 0 8417407 286/286 F 66,950.00 ZZ 360 66,845.22 1 7.250 456.72 90 7.000 456.72 LONG BEACH CA 90802 1 11/27/02 21 1825390 01 02/01/03 25 1825390 N 01/01/33 0 8417419 286/286 F 57,500.00 ZZ 360 57,410.02 1 7.250 392.25 80 7.000 392.25 CHESAPEAKE VA 23320 1 12/20/02 00 0001245056 05 02/01/03 0 0001245056 N 01/01/33 0 8417431 286/286 F 217,500.00 ZZ 360 216,921.12 2 6.625 1,392.68 75 6.375 1,392.68 CHICO CA 95928 5 11/22/02 00 1791082 05 01/01/03 0 1791082 N 12/01/32 0 8417437 286/286 F 88,000.00 ZZ 360 87,787.60 1 7.125 592.88 80 6.875 592.88 PORTLAND OR 97217 1 11/26/02 00 1781704 05 01/01/03 0 1781704 N 12/01/32 0 1 8417455 286/286 F 131,800.00 ZZ 360 131,566.79 1 6.625 843.93 77 6.375 843.93 OREGON CITY OR 97945 2 12/20/02 00 1807101 03 02/01/03 0 1807101 N 01/01/33 0 8417457 286/286 F 322,700.00 ZZ 360 322,207.39 1 7.375 2,228.81 66 7.125 2,228.81 ALBANY CA 94706 2 12/17/02 00 1745634 05 02/01/03 0 1745634 N 01/01/33 0 8417463 286/286 F 81,000.00 ZZ 360 80,863.49 1 6.875 532.12 80 6.625 532.12 NORTH BRUNSWICK NJ 08902 1 12/13/02 00 1830694 01 02/01/03 0 1830694 N 01/01/33 0 8417473 286/286 F 112,000.00 ZZ 360 111,806.60 1 6.750 726.43 80 6.500 726.43 TRACY CA 95376 1 12/03/02 00 1836101 05 02/01/03 0 1836101 N 01/01/33 0 8417477 286/286 F 78,000.00 ZZ 360 77,877.58 2 7.250 532.10 90 7.000 532.10 MUNCIE IN 47303 1 12/23/02 10 1878901 05 02/01/03 25 1878901 N 01/01/33 0 8417483 286/286 F 90,000.00 ZZ 360 89,844.58 1 1 6.750 583.74 75 6.500 583.74 LOS LUNAS NM 87301 2 12/09/02 00 1736658 05 02/01/03 0 1736658 N 01/01/33 0 8417485 286/286 F 223,900.00 ZZ 360 223,289.45 1 6.500 1,415.21 80 6.250 1,415.21 RENO NV 89511 1 11/26/02 00 1784105 05 01/01/03 0 1784105 N 12/01/32 0 8417491 286/286 F 123,000.00 ZZ 360 122,787.60 4 6.750 797.78 75 6.500 797.78 RIVERSIDE CA 92501 1 12/05/02 00 1806551 05 02/01/03 0 1806551 N 01/01/33 0 8417493 286/286 F 130,000.00 ZZ 360 129,775.51 4 6.750 843.18 75 6.500 843.18 RIVERSIDE CA 92501 1 12/05/02 00 1806652 05 02/01/03 0 1806652 N 01/01/33 0 8417501 286/286 F 119,200.00 ZZ 360 115,852.24 1 6.500 753.43 80 6.250 753.43 GILBERT AZ 85234 1 12/10/02 00 1780371 03 02/01/03 0 1780371 N 01/01/33 0 8417515 286/286 F 207,700.00 ZZ 360 206,864.57 1 7.000 1,381.84 80 6.750 1,381.84 FREMONT CA 94555 5 12/11/02 00 1822317 03 02/01/03 0 1 1822317 N 01/01/33 0 8417519 286/286 F 196,000.00 ZZ 360 195,526.98 1 7.125 1,320.49 79 6.875 1,320.49 AUBURN CA 95602 2 11/14/02 00 1752848 05 01/01/03 0 1752848 N 12/01/32 0 8417521 286/286 F 47,000.00 ZZ 360 46,854.49 1 6.500 297.08 79 6.250 297.08 GASTON IN 47342 2 12/17/02 00 1871933 05 02/01/03 0 1871933 N 01/01/33 0 8417525 286/286 F 65,500.00 ZZ 360 65,379.72 1 6.500 414.01 79 6.250 414.01 GASTON IN 47342 2 12/17/02 00 1871937 05 02/01/03 0 1871937 N 01/01/33 0 8417539 286/286 F 63,000.00 ZZ 360 62,825.09 1 6.625 403.40 70 6.375 403.40 BEDFORD TX 76022 5 12/04/02 00 1707079 05 01/01/03 0 1707079 N 12/01/32 0 8417541 286/286 F 125,000.00 ZZ 360 124,778.82 1 6.625 800.39 59 6.375 800.39 CHULA VISTA CA 91911 5 12/10/02 00 1738464 01 02/01/03 0 1738464 N 01/01/33 0 1 8417549 286/286 F 115,000.00 ZZ 360 114,673.30 1 6.500 726.88 63 6.250 726.88 BLOOMFIELD CT 06002 5 11/27/02 00 1802246 05 01/01/03 0 1802246 N 12/01/32 0 8417551 286/286 F 215,000.00 ZZ 360 214,600.66 2 6.375 1,341.33 70 6.125 1,341.33 NEVADA CITY CA 95959 5 12/06/02 00 1843294 05 02/01/03 0 1843294 N 01/01/33 0 8417555 L76/G02 F 234,000.00 ZZ 360 234,000.00 1 5.750 1,365.56 78 5.500 1,365.56 LAKEVILLE MN 55044 5 01/31/03 00 0435367677 05 04/01/03 0 9507506 O 03/01/33 0 8417569 286/286 F 42,650.00 ZZ 360 42,578.13 1 6.875 280.18 55 6.625 280.18 VIRGINIA BEACH VA 23462 1 12/17/02 00 0001245129 03 02/01/03 0 0001245129 N 01/01/33 0 8417571 286/286 F 72,000.00 ZZ 360 71,887.32 1 7.250 491.17 78 7.000 491.17 BRYANT IN 47326 5 12/03/02 00 1761484 05 02/01/03 0 1761484 N 01/01/33 0 8417573 286/286 F 300,000.00 ZZ 360 299,377.04 3 6.375 1,871.61 70 6.125 1,871.61 1 CHULA VISTA CA 91911 5 11/26/02 00 1700024 05 02/01/03 0 1700024 N 01/01/33 0 8417575 286/286 F 105,000.00 ZZ 360 104,741.15 1 6.875 689.78 72 6.625 689.78 ARLINGTON VA 22209 5 12/03/02 00 0001247276 01 02/01/03 0 0001247276 N 01/01/33 0 8417579 286/286 F 87,000.00 ZZ 360 86,838.41 1 6.375 542.77 68 6.125 542.77 RUNNING SPRINGS CA 92382 5 12/20/02 00 1245598 05 02/01/03 0 1245598 N 01/01/33 0 8417587 286/286 F 111,150.00 ZZ 360 110,861.28 1 6.750 720.92 90 6.500 720.92 GOSHEN NH 03752 1 12/05/02 10 1810617 05 01/01/03 25 1810617 N 12/01/32 0 8417589 286/286 F 186,500.00 ZZ 360 186,145.14 2 6.250 1,148.32 78 6.000 1,148.32 BROOKLYN PARK MN 55428 2 12/27/02 00 1861231 05 02/01/03 0 1861231 N 01/01/33 0 8417601 286/286 F 77,550.00 ZZ 360 77,419.32 1 6.875 509.45 67 6.625 509.45 CHESAPEAKE VA 23322 2 12/27/02 00 0001244650 05 02/01/03 0 0001244650 N 01/01/33 0 1 8417603 286/286 F 126,000.00 ZZ 360 125,695.91 1 7.125 848.89 90 6.875 848.89 CHESAPEAKE VA 23322 1 11/25/02 10 0001247518 05 01/01/03 25 0001247518 N 12/01/32 0 8417607 286/286 F 163,500.00 ZZ 360 163,064.85 1 6.625 1,046.91 75 6.375 1,046.91 DALLAS TX 75214 5 11/19/02 00 1638581 05 01/01/03 0 1638581 N 12/01/32 0 8417617 286/286 F 252,000.00 ZZ 360 251,406.66 1 7.250 1,719.09 52 7.000 1,719.09 SAN JOSE CA 95132 2 12/02/02 00 1682279 05 01/01/03 0 1682279 N 12/01/32 0 8417619 286/286 F 206,100.00 ZZ 360 205,590.21 2 7.000 1,371.19 90 6.750 1,371.19 ROSEVILLE CA 95661 1 11/13/02 10 1726872 05 01/01/03 25 1726872 N 12/01/32 0 8417621 286/286 F 160,000.00 ZZ 360 159,683.39 1 7.000 1,064.49 40 6.750 1,064.49 DUBLIN CA 94568 2 12/09/02 00 1824960 05 02/01/03 0 1824960 N 01/01/33 0 8417623 286/286 F 80,000.00 ZZ 360 79,865.18 1 1 6.875 525.55 80 6.625 525.55 NAMPA ID 83686 2 12/16/02 00 1245356 05 02/01/03 0 1245356 N 01/01/33 0 8417625 286/286 F 139,600.00 ZZ 360 139,370.46 1 7.000 928.77 80 6.750 928.77 SPARKS NV 89434 1 12/03/02 00 1744517 05 02/01/03 0 1744517 N 01/01/33 0 8417631 286/286 F 83,700.00 ZZ 360 83,471.75 1 6.500 529.05 90 6.250 529.05 ITASCA IL 60143 1 11/25/02 19 1794601 01 01/01/03 25 1794601 N 12/01/32 0 8417633 286/286 F 85,700.00 ZZ 360 85,536.94 2 6.250 527.67 38 6.000 527.67 ANTIOCH CA 94509 2 12/02/02 00 1116835 05 02/01/03 0 1116835 N 01/01/33 0 8417635 286/286 F 178,000.00 ZZ 360 177,661.32 2 6.250 1,095.98 60 6.000 1,095.98 ANTIOCH CA 94509 5 12/02/02 00 1116836 05 02/01/03 0 1116836 N 01/01/33 0 8417641 286/286 F 167,600.00 ZZ 360 167,243.18 1 6.500 1,059.35 75 6.250 1,059.35 RENO NV 89511 1 12/06/02 00 1856991 03 02/01/03 0 1 1856991 N 01/01/33 0 8417653 286/286 F 116,400.00 ZZ 360 116,104.93 1 6.875 764.67 80 6.625 764.67 WILMINGTON DE 19804 1 11/27/02 00 1752935 05 01/01/03 0 1752935 N 12/01/32 0 8417665 286/286 F 215,000.00 ZZ 360 214,413.73 1 6.500 1,358.95 69 6.250 1,358.95 MODESTO CA 95350 2 11/18/02 00 1683625 05 01/01/03 0 1683625 N 12/01/32 0 8417681 286/286 F 175,750.00 ZZ 360 175,415.60 1 6.250 1,082.13 90 6.000 1,082.13 ATWATER CA 95301 1 12/13/02 21 1722797 05 02/01/03 25 1722797 N 01/01/33 0 8417689 286/286 F 282,500.00 ZZ 360 277,270.27 4 6.500 1,785.60 59 6.250 1,785.60 BERKELEY CA 94702 2 11/13/02 00 1116645 05 01/01/03 0 1116645 N 12/01/32 0 8417693 286/286 F 84,000.00 ZZ 360 83,851.35 2 6.625 537.87 70 6.375 537.87 REDDING CA 96001 5 12/11/02 00 1754642 05 02/01/03 0 1754642 N 01/01/33 0 1 8417701 286/286 F 140,000.00 ZZ 360 139,769.81 2 7.000 931.43 80 6.750 931.43 BROWNSBURG IN 46112 2 12/17/02 00 1867445 05 02/01/03 0 1867445 N 01/01/33 0 8417725 286/286 F 112,500.00 ZZ 360 112,178.07 1 6.250 692.69 90 6.000 692.69 FLOWER MOUND TX 75028 1 11/26/02 10 1811514 05 01/01/03 30 1811514 N 12/01/32 0 8417747 X31/G02 F 185,000.00 ZZ 360 184,815.83 1 6.000 1,109.17 94 5.750 1,109.17 VANCOUVER WA 98665 2 01/21/03 19 0435410931 05 03/01/03 30 59000257 O 02/01/33 0 8417755 286/286 F 64,000.00 ZZ 360 63,844.04 1 6.375 399.28 80 6.125 399.28 RIO RANCHO NM 87124 5 12/10/02 00 1847163 05 02/01/03 0 1847163 N 01/01/33 0 8417769 286/286 F 109,500.00 ZZ 360 109,301.48 1 6.500 692.12 42 6.250 692.12 PORTLAND OR 97213 2 12/13/02 00 1248976 05 02/01/03 0 1248976 N 01/01/33 0 8417773 286/286 F 125,000.00 ZZ 360 124,515.24 1 6.250 769.65 66 6.000 769.65 1 ARTESIA CA 90701 5 10/24/02 00 1655110 05 12/01/02 0 1655110 N 11/01/32 0 8417779 286/286 F 60,000.00 ZZ 360 59,885.84 1 6.250 369.43 50 6.000 369.43 BALTIMORE MD 21228 2 12/13/02 00 0001247388 03 02/01/03 0 0001247388 N 01/01/33 0 8417787 286/286 F 202,600.00 ZZ 360 201,025.64 1 6.375 1,263.97 64 6.125 1,263.97 LIVERMORE CA 94551 1 11/25/02 00 1783052 03 01/01/03 0 1783052 N 12/01/32 0 8417791 286/286 F 230,000.00 ZZ 360 229,602.83 3 6.750 1,491.78 23 6.500 1,491.78 SAN FRANCISCO CA 94110 5 11/22/02 00 1715661 05 02/01/03 0 1715661 N 01/01/33 0 8417821 286/286 F 84,000.00 ZZ 360 83,856.00 2 7.000 558.86 80 6.750 558.86 HEMET CA 92544 1 12/18/02 00 1767390 05 02/01/03 0 1767390 N 01/01/33 0 8417829 286/286 F 146,700.00 ZZ 360 146,290.20 1 6.375 915.22 90 6.125 915.22 BELLINGHAM WA 98226 1 11/19/02 10 1746760 05 01/01/03 25 1746760 N 12/01/32 0 1 8417841 286/286 F 195,500.00 ZZ 360 195,194.05 1 7.250 1,333.66 80 7.000 1,333.66 COOL CA 95614 5 12/09/02 00 1738416 03 02/01/03 0 1738416 N 01/01/33 0 8417849 286/286 F 184,500.00 ZZ 360 184,173.53 1 6.625 1,181.38 90 6.375 1,181.38 LINCOLN CA 95648 1 12/26/02 14 1733091 05 02/01/03 25 1733091 N 01/01/33 0 8417855 286/286 F 141,400.00 ZZ 360 141,041.56 1 6.875 928.90 66 6.625 928.90 LINCOLN CA 95648 2 11/11/02 00 1720063 05 01/01/03 0 1720063 N 12/01/32 0 8417861 286/286 F 154,500.00 ZZ 360 154,108.35 1 6.875 1,014.96 72 6.625 1,014.96 LINCOLN CA 95648 2 11/14/02 00 1720987 05 01/01/03 0 1720987 N 12/01/32 0 8417869 286/286 F 279,000.00 ZZ 360 278,275.29 1 6.750 1,809.59 35 6.500 1,809.59 SUNNYVALE CA 94555 2 11/18/02 00 1792054 05 01/01/03 0 1792054 N 12/01/32 0 8417899 286/286 F 141,000.00 ZZ 360 140,738.11 1 1 6.375 879.66 45 6.125 879.66 SACRAMENTO CA 95831 2 12/26/02 00 1806367 03 02/01/03 0 1806367 N 01/01/33 0 8417903 286/286 F 161,000.00 ZZ 360 160,581.22 1 6.375 1,004.44 49 6.125 1,004.44 SACRAMENTO CA 95831 2 12/26/02 00 1806371 03 02/01/03 0 1806371 N 01/01/33 0 8417907 286/286 F 54,600.00 ZZ 360 54,488.39 2 5.875 322.98 70 5.625 322.98 MOSES LAKE WA 98837 5 12/23/02 00 811306 05 02/01/03 0 811306 N 01/01/33 0 8417915 286/286 F 42,000.00 ZZ 360 41,914.14 1 5.875 248.45 70 5.625 248.45 MOSES LAKE WA 98837 5 12/23/02 00 1255753 05 02/01/03 0 1255753 N 01/01/33 0 8417931 286/286 F 300,000.00 ZZ 360 299,442.80 1 6.375 1,871.61 53 6.125 1,871.61 SOUTH SAN FRANC CA 94080 5 11/27/02 00 1733718 05 02/01/03 0 1733718 N 01/01/33 0 8417939 286/286 F 72,000.00 ZZ 360 71,887.32 1 7.250 491.17 60 7.000 491.17 PALM DESERT CA 92260 1 12/09/02 00 1810587 03 02/01/03 0 1 1810587 N 01/01/33 0 8417951 286/286 F 80,000.00 ZZ 360 79,802.10 3 7.000 532.25 17 6.750 532.25 SAN DIEGO CA 92104 5 11/19/02 00 1780029 05 01/01/03 0 1780029 N 12/01/32 0 8417959 286/286 F 97,200.00 ZZ 360 97,023.76 1 6.500 614.38 90 6.250 614.38 SPRINGVILL UT 84663 1 12/09/02 21 1848863 05 02/01/03 25 1848863 N 01/01/33 0 8417965 286/286 F 193,600.00 ZZ 360 193,109.24 1 6.875 1,271.82 80 6.625 1,271.82 SACRAMENTO CA 95826 1 11/12/02 00 1735411 05 01/01/03 0 1735411 N 12/01/32 0 8417979 286/286 F 168,000.00 ZZ 360 167,648.63 1 6.625 1,075.73 59 6.375 1,075.73 ROCKLIN CA 95765 1 11/25/02 00 1794830 05 02/01/03 0 1794830 N 01/01/33 0 8417981 286/286 F 114,300.00 ZZ 360 114,092.78 1 6.500 722.46 90 6.250 722.46 GOODYEAR AZ 85338 1 12/10/02 21 1813156 03 02/01/03 25 1813156 N 01/01/33 0 1 8417983 286/286 F 126,000.00 ZZ 360 125,771.56 1 6.500 796.41 90 6.250 796.41 PEORIA AZ 85382 1 12/10/02 14 1833471 03 02/01/03 25 1833471 N 01/01/33 0 8417985 286/286 F 116,000.00 ZZ 360 115,683.69 1 6.500 733.20 58 6.250 733.20 ALBUQUERQUE NM 87112 2 11/20/02 00 1742300 05 01/01/03 0 1742300 N 12/01/32 0 8417987 286/286 F 164,500.00 ZZ 360 164,040.48 4 6.375 1,026.27 64 6.125 1,026.27 METHUEN MA 01844 2 12/05/02 00 1730932 05 01/01/03 0 1730932 N 12/01/32 0 8418017 742/G02 F 84,000.00 ZZ 360 83,925.89 1 6.625 537.86 80 6.375 537.86 KENDALL NY 14476 1 01/29/03 00 0435345293 05 03/01/03 0 5822291 O 02/01/33 0 8419387 U05/G02 F 157,500.00 ZZ 360 157,361.04 1 6.625 1,008.49 75 6.375 1,008.49 LONG BEACH CA 90805 5 01/20/03 00 0435349030 05 03/01/03 0 3296059 O 02/01/33 0 8419647 W35/G02 F 123,200.00 ZZ 240 122,929.38 1 5.875 873.79 80 5.625 873.79 1 EVERETT WA 98201 5 01/22/03 00 0435329156 05 03/01/03 0 16916 O 02/01/23 0 8419757 W99/G02 F 74,700.00 ZZ 360 74,645.94 1 7.625 528.72 90 7.375 528.72 SURFSIDE BEACH SC 29575 1 01/22/03 28 0435424072 01 03/01/03 25 261144002 N 02/01/33 0 8420175 W35/G02 F 91,600.00 ZZ 360 91,510.96 1 6.125 556.58 72 5.875 556.58 JACKSON WI 53037 2 01/28/03 00 0435341409 01 03/03/03 0 16672 O 02/03/33 0 8420179 Q30/G02 F 180,000.00 ZZ 360 179,848.78 1 6.875 1,182.47 48 6.625 1,182.47 FLORAL PARK NY 11001 5 01/31/03 00 0435372321 05 03/01/03 0 21018780 N 02/01/33 0 8420217 W35/G02 F 152,000.00 ZZ 360 151,855.78 1 6.250 935.89 80 6.000 935.89 INDIANAPOLIS IN 46208 1 01/17/03 00 0435341359 05 03/01/03 0 16821 O 02/01/33 0 8420525 737/G02 F 124,450.00 ZZ 360 124,359.93 1 7.625 880.85 95 7.375 880.85 SACRAMENTO CA 95838 5 01/27/03 01 0435336888 05 03/01/03 30 2105380 O 02/01/33 0 1 8420791 Q30/G02 F 400,000.00 ZZ 360 399,638.39 1 6.500 2,528.28 52 6.250 2,528.28 EASTON CT 06612 5 01/31/03 00 0435374822 05 03/01/03 0 21020221 O 02/01/33 0 8421521 E22/G02 F 184,500.00 ZZ 360 184,500.00 1 7.375 1,274.30 90 7.125 1,274.30 ALVIN TX 77511 1 02/06/03 01 0415794155 05 04/01/03 30 0415794155 O 03/01/33 0 8421529 E22/G02 F 62,400.00 ZZ 360 62,343.59 1 6.500 394.41 80 6.250 394.41 TULARE CA 93274 1 01/27/03 00 0415824911 05 03/01/03 0 0415824911 N 02/01/33 0 8421541 E22/G02 F 60,000.00 ZZ 360 60,000.00 1 5.875 354.92 80 5.625 354.92 FRESNO CA 93702 1 02/04/03 00 0415899806 05 04/01/03 0 0415899806 O 03/01/33 0 8421555 E22/G02 F 429,200.00 ZZ 360 428,762.41 1 5.875 2,538.88 72 5.625 2,538.88 STERLING VA 20165 5 01/31/03 00 0415956481 03 03/01/03 0 0415956481 O 02/01/33 0 8421575 E22/G02 F 118,000.00 ZZ 360 117,888.03 1 1 6.250 726.55 80 6.000 726.55 HOOVER AL 35226 1 02/06/03 00 0416029973 05 03/01/03 0 0416029973 N 02/01/33 0 8421603 E22/G02 F 86,400.00 ZZ 360 86,400.00 1 7.000 574.82 80 6.750 574.82 MERRITT ISLAND FL 32953 1 02/05/03 00 0416102176 05 04/01/03 0 0416102176 N 03/01/33 0 8421897 588/G02 F 301,000.00 ZZ 360 300,721.21 1 6.375 1,877.85 65 6.125 1,877.85 TENAFLY BOROUGH NJ 07670 1 01/31/03 00 0435354584 05 03/01/03 0 1084342 O 02/01/33 0 8422035 U97/G02 F 457,600.00 ZZ 360 457,186.33 1 6.500 2,892.34 80 6.250 2,892.34 BOWIE MD 20721 2 01/28/03 00 0435350145 03 03/01/03 0 0660465 O 02/01/33 0 8422203 W68/G02 F 109,350.00 ZZ 360 109,264.70 3 7.250 745.96 90 7.000 745.96 ALBUQUERQUE NM 87108 1 01/23/03 10 0435429659 05 03/01/03 25 35266 N 02/01/33 0 8422371 588/G02 F 160,000.00 ZZ 360 159,702.83 1 6.375 998.19 47 6.125 998.19 SILVER SPRING MD 20902 5 12/13/02 00 0435418082 05 02/01/03 0 1 1083455 O 01/01/33 0 8422931 G51/G02 F 121,050.00 ZZ 360 120,937.88 1 6.375 755.20 90 6.125 755.20 BELLVUE CO 80512 1 01/31/03 14 0435341425 05 03/01/03 25 1000128 O 02/01/33 0 8423011 U05/G02 F 116,800.00 TX 360 116,689.17 1 6.250 719.16 80 6.000 719.16 PEARLAND TX 77584 5 01/27/03 00 0435342811 03 03/01/03 0 3302135 O 02/01/33 0 8423043 A06/G02 F 41,250.00 ZZ 360 41,250.00 2 6.500 260.73 75 6.250 260.73 DETROIT MI 48210 2 02/06/03 00 0435341433 05 04/01/03 0 1000010300188 N 03/01/33 0 8423095 K15/G02 F 55,000.00 ZZ 360 55,000.00 2 6.625 352.17 20 6.375 352.17 BOSTON MA 02136 5 01/31/03 00 0435341870 05 04/01/03 0 007105508285 O 03/01/33 0 8423105 P09/G02 F 98,560.00 ZZ 360 98,473.04 1 6.625 631.09 80 6.375 631.09 LANHAM MD 20706 5 01/31/03 00 0435343314 09 03/01/03 0 ANDERSON O 02/01/33 0 1 8423171 B28/G02 F 213,200.00 ZZ 360 212,997.71 1 6.250 1,312.71 80 6.000 1,312.71 WESTMINSTER CO 80030 1 01/31/03 00 0435357389 05 03/01/03 0 16200078 O 02/01/33 0 8423279 G34/G02 F 73,500.00 ZZ 360 73,445.46 1 7.500 513.92 75 7.250 513.92 SANTA TERESA NM 88008 1 01/30/03 00 0435349436 05 03/01/03 0 85212616 N 02/01/33 0 8423317 N47/G02 F 300,000.00 ZZ 360 299,708.42 1 6.125 1,822.83 71 5.875 1,822.83 SAN JOSE CA 95126 2 01/21/03 00 0435346705 05 03/01/03 0 20502406 O 02/01/33 0 8423371 N47/G02 F 400,000.00 ZZ 360 400,000.00 1 6.500 2,528.27 77 6.250 2,528.27 MARTINEZ CA 94553 5 02/01/03 00 0435355789 05 04/01/03 0 20502513 O 03/01/33 0 8423413 N47/G02 F 430,000.00 ZZ 360 430,000.00 2 6.125 2,612.73 54 5.875 2,612.73 MONTEREY CA 93940 2 02/01/03 00 0435355193 05 04/01/03 0 20501935 N 03/01/33 0 8423431 T44/G02 F 457,000.00 ZZ 360 456,596.80 1 6.625 2,926.22 68 6.375 2,926.22 1 SANTA ROSA CA 95404 5 01/22/03 00 0435346499 03 03/01/03 0 1064372 O 02/01/33 0 8423435 H81/G02 F 136,000.00 ZZ 360 135,867.82 1 6.125 826.35 80 5.875 826.35 EAGLE RIVER WI 54521 1 01/31/03 00 0435347588 05 03/01/03 0 1 O 02/01/33 0 8423437 G34/G02 F 38,284.00 ZZ 360 38,249.39 1 6.500 241.98 75 6.250 241.98 LAKE WORTH TX 76135 1 01/31/03 00 0435438361 05 03/01/03 0 85213067 N 02/01/33 0 8423439 S11/G02 F 360,000.00 ZZ 360 359,658.42 1 6.250 2,216.58 78 6.000 2,216.58 VALENCIA CA 91354 5 01/22/03 00 0435354519 03 03/01/03 0 10210670 O 02/01/33 0 8423457 S11/G02 F 227,500.00 ZZ 360 227,284.14 1 6.250 1,400.76 70 6.000 1,400.76 LAKEWOOD CA 90713 5 01/21/03 00 0435352612 05 03/01/03 0 10300219 O 02/01/33 0 8423469 420/G02 F 438,900.00 ZZ 360 438,473.42 1 6.125 2,666.80 70 5.875 2,666.80 SANTA ROSA CA 95405 1 01/14/03 00 0435351531 05 03/01/03 0 72004933 O 02/01/33 0 1 8423531 B98/G02 F 336,000.00 ZZ 360 335,703.56 1 6.625 2,151.44 80 6.375 2,151.44 SAN JOSE CA 95122 5 01/22/03 00 0435448105 05 03/01/03 0 100067301000167 O 02/01/33 0 8423643 975/G02 F 138,000.00 ZZ 240 137,710.07 1 6.250 1,008.68 78 6.000 1,008.68 MORENO VALLEY CA 92557 2 01/02/03 00 0435359609 05 03/01/03 0 2025869 O 02/01/23 0 8423661 883/G02 F 199,200.00 ZZ 360 199,036.72 1 7.000 1,325.28 80 6.750 1,325.28 ELLICOTT CITY MD 21042 1 01/31/03 00 0435349204 05 03/01/03 0 23000820 O 02/01/33 0 8423725 Y23/G02 F 94,000.00 ZZ 360 94,000.00 1 7.375 649.24 79 7.125 649.24 FORT WORTH TX 76116 5 02/05/03 00 0435450820 05 04/01/03 0 100004871 O 03/01/33 0 8424021 E82/G02 F 186,900.00 ZZ 360 186,900.00 1 6.375 1,166.01 47 6.125 1,166.01 ARLINGTON VA 22207 2 02/10/03 00 0400750683 05 04/01/03 0 1907239 N 03/01/33 0 8424035 E82/G02 F 57,500.00 ZZ 360 57,500.00 1 1 6.250 354.04 67 6.000 354.04 PORT CHARLOTTE FL 33952 2 02/06/03 00 0400777819 05 04/01/03 0 2933213 O 03/01/33 0 8424047 E82/G02 F 72,500.00 ZZ 360 72,500.00 1 6.375 452.31 55 6.125 452.31 SURREY TOWNSHIP MI 48622 2 02/06/03 00 0400777017 05 04/01/03 0 0400777017 O 03/01/33 0 8424073 E82/G02 F 89,700.00 ZZ 360 89,700.00 1 6.375 559.61 71 6.125 559.61 MILFORD MI 48381 2 02/06/03 00 0400760617 05 04/01/03 0 1719170 O 03/01/33 0 8424217 742/G02 F 210,000.00 ZZ 360 209,790.94 1 6.000 1,259.06 77 5.750 1,259.06 PAOLI PA 19301 1 01/28/03 00 0435345053 05 03/01/03 0 5970538 O 02/01/33 0 8424301 U19/G02 F 110,000.00 ZZ 360 109,902.00 1 6.575 700.71 85 6.325 700.71 PEORIA AZ 85345 5 01/30/03 01 0435360136 05 03/01/03 12 11000227 O 02/01/33 0 8424439 X04/G02 F 182,500.00 ZZ 360 182,500.00 1 6.250 1,123.68 72 6.000 1,123.68 HENDERSON NV 89074 2 02/04/03 00 0435366323 03 04/01/03 0 1 2847591 N 03/01/33 0 8424497 X04/G02 F 60,050.00 ZZ 360 60,050.00 1 6.500 379.56 72 6.250 379.56 LAS VEGAS NV 89103 2 02/04/03 00 0435375118 01 04/01/03 0 2847582 N 03/01/33 0 8424917 967/G02 F 108,000.00 ZZ 360 108,000.00 1 6.375 673.78 80 6.125 673.78 VANCOUVER WA 98662 2 01/29/03 00 0435360326 07 04/01/03 0 5950738 N 03/01/33 0 8424997 144/144 F 180,000.00 ZZ 360 179,829.21 1 6.250 1,108.29 60 6.000 1,108.29 HIGHLAND NY 12528 5 01/06/03 00 02NICKELP 05 03/01/03 0 02NICKELP O 02/01/33 0 8425705 144/144 F 120,000.00 ZZ 360 119,888.86 1 6.375 748.64 36 6.125 748.64 SLATE HILL NY 10973 2 01/08/03 00 02CAREYG 05 03/01/03 0 02CAREYG O 02/01/33 0 8425853 K15/G02 F 212,500.00 ZZ 360 212,334.23 2 7.250 1,449.62 79 7.000 1,449.62 N DARTMOUTH MA 02747 5 01/27/03 00 0435346671 05 03/01/03 0 029705506129 O 02/01/33 0 1 8425895 K15/G02 F 231,000.00 ZZ 360 231,000.00 1 6.500 1,460.08 83 6.250 1,460.08 SCITUATE MA 02066 5 01/29/03 41 0435353651 05 04/01/03 25 029705506124 O 03/01/33 0 8425933 K15/G02 F 140,000.00 ZZ 240 139,705.87 1 6.250 1,023.30 85 6.000 1,023.30 EDGEWOOD NM 87015 5 01/27/03 41 0435348362 05 03/01/03 12 033505509181 O 02/01/23 0 8426053 420/G02 F 412,500.00 ZZ 360 412,108.61 1 6.250 2,539.83 75 6.000 2,539.83 NAPA CA 94558 5 01/17/03 00 0435347380 05 03/01/03 0 82000331 O 02/01/33 0 8426055 420/G02 F 150,000.00 ZZ 360 149,721.42 1 6.375 935.80 38 6.125 935.80 GUERNEVILLE CA 95446 2 12/19/02 00 0435351259 05 02/01/03 0 72004686 O 01/01/33 0 8426571 E82/G02 F 154,300.00 ZZ 360 154,300.00 1 6.625 988.00 90 6.375 988.00 DAVENPORT FL 33897 2 02/11/03 04 0400785044 03 04/01/03 25 4267620 N 03/01/33 0 8426573 E82/G02 F 67,950.00 ZZ 360 67,950.00 1 6.375 423.92 85 6.125 423.92 1 ORANGE PARK FL 32065 2 02/10/03 04 0400766978 03 04/01/03 12 3256603 N 03/01/33 0 8426775 E47/G02 F 364,000.00 ZZ 360 364,000.00 1 6.125 2,211.70 80 5.875 2,211.70 SAN JOSE CA 95131 2 02/03/03 00 0435406715 05 04/01/03 0 7333013044 O 03/01/33 0 8426781 967/G02 F 108,000.00 ZZ 360 108,000.00 1 6.375 673.78 80 6.125 673.78 VANCOUVER WA 98662 2 01/29/03 00 0435428420 07 04/01/03 0 5950754 N 03/01/33 0 8426891 N47/G02 F 150,000.00 ZZ 360 150,000.00 1 6.125 911.42 6 5.875 911.42 SAN FRANCISCO CA 94118 5 02/01/03 00 0435361506 05 04/01/03 0 20501076 O 03/01/33 0 8426941 U41/G02 F 95,000.00 ZZ 360 95,000.00 1 7.000 632.04 72 6.750 632.04 TONY WI 54563 5 02/05/03 00 0435381462 05 04/01/03 0 NOVAKOVIC3596 O 03/01/33 0 8427033 E22/G02 F 202,500.00 ZZ 360 202,500.00 1 7.000 1,347.24 90 6.750 1,347.24 HOUSTON TX 77004 1 02/07/03 01 0415859057 05 04/01/03 30 0415859057 O 03/01/33 0 1 8427053 E22/G02 F 70,500.00 ZZ 360 70,500.00 1 6.000 422.68 74 5.750 422.68 MISSOURI CITY TX 77489 5 02/04/03 00 0415885334 03 04/01/03 0 0415885334 O 03/01/33 0 8427071 E22/G02 F 52,000.00 ZZ 360 51,955.23 1 6.750 337.27 80 6.500 337.27 INDEPENDENCE MO 64052 5 02/07/03 00 0415908680 05 03/01/03 0 0415908680 N 02/01/33 0 8427077 E22/G02 F 66,320.00 ZZ 360 66,320.00 2 7.750 475.12 80 7.500 475.12 COLUMBIA SC 29229 1 02/10/03 00 0415923366 05 04/01/03 0 0415923366 N 03/01/33 0 8427089 E22/G02 F 255,000.00 ZZ 360 255,000.00 1 6.250 1,570.08 60 6.000 1,570.08 CLE ELUM WA 98922 2 01/31/03 00 0415928084 05 04/01/03 0 0415928084 O 03/01/33 0 8427101 E22/G02 F 432,000.00 ZZ 360 432,000.00 1 6.625 2,766.14 80 6.375 2,766.14 HOUSTON TX 77024 5 02/04/03 00 0415932862 03 04/01/03 0 0415932862 O 03/01/33 0 8427109 E22/G02 F 85,000.00 ZZ 360 85,000.00 1 1 6.875 558.39 76 6.625 558.39 LOUISVILLE KY 40219 5 02/04/03 00 0415936301 05 04/01/03 0 0415936301 O 03/01/33 0 8427185 E22/G02 F 157,000.00 ZZ 360 157,000.00 1 6.625 1,005.29 80 6.375 1,005.29 DAVIE FL 33024 2 02/05/03 00 0416000347 03 04/01/03 0 0416000347 O 03/01/33 0 8427187 F89/G02 F 151,600.00 T 360 151,449.08 1 6.000 908.92 80 5.750 908.92 AUBERRY CA 93602 1 01/21/03 00 0435357231 05 03/01/03 0 26452 O 02/01/33 0 8427189 E22/G02 F 96,000.00 ZZ 360 96,000.00 1 7.000 638.69 80 6.750 638.69 SALEM OR 97305 1 02/05/03 00 0416002160 05 04/01/03 0 0416002160 N 03/01/33 0 8427207 E22/G02 F 83,500.00 ZZ 360 83,500.00 1 6.500 527.78 69 6.250 527.78 METAIRIE LA 70001 5 02/05/03 00 0416019859 05 04/01/03 0 0416019859 O 03/01/33 0 8427211 E22/G02 F 536,000.00 ZZ 360 536,000.00 1 6.375 3,343.94 80 6.125 3,343.94 MCFARLAND WI 53558 2 02/05/03 00 0414972810 05 04/01/03 0 1 0414972810 O 03/01/33 0 8427221 E22/G02 F 104,000.00 ZZ 360 104,000.00 1 7.500 727.18 78 7.250 727.18 MT PLEASANT SC 29464 5 02/10/03 00 0415500065 03 04/01/03 0 0415500065 N 03/01/33 0 8427235 E22/G02 F 138,000.00 ZZ 360 138,000.00 1 6.375 860.94 80 6.125 860.94 CARSON CITY NV 89701 1 02/04/03 00 0415801950 05 04/01/03 0 0415801950 N 03/01/33 0 8427247 E22/G02 F 300,000.00 ZZ 360 300,000.00 3 6.750 1,945.79 75 6.500 1,945.79 SOUTH YARMOUTH MA 02664 5 02/05/03 00 0415809367 05 04/01/03 0 0415809367 O 03/01/33 0 8427257 E22/G02 F 145,600.00 ZZ 360 145,600.00 1 6.875 956.49 80 6.625 956.49 DENVER CO 80231 2 02/07/03 00 0415851450 05 04/01/03 0 0415851450 N 03/01/33 0 8427267 E22/G02 F 400,000.00 ZZ 360 400,000.00 1 6.125 2,430.44 59 5.875 2,430.44 HALF MOON BAY CA 94019 2 01/30/03 00 0415842798 05 04/01/03 0 0415842798 O 03/01/33 0 1 8427285 E22/G02 F 72,000.00 ZZ 360 72,000.00 1 6.875 472.99 37 6.625 472.99 KEANSBURG NJ 07734 5 02/05/03 00 0416023281 05 04/01/03 0 0416023281 O 03/01/33 0 8427313 E22/G02 F 286,000.00 ZZ 360 286,000.00 1 6.875 1,878.82 80 6.625 1,878.82 MANCOS CO 81328 5 02/04/03 00 0416051431 05 04/01/03 0 0416051431 O 03/01/33 0 8427325 E22/G02 F 156,000.00 ZZ 360 156,000.00 1 6.500 986.03 54 6.250 986.03 RENO NV 89509 5 02/03/03 00 0416058808 05 04/01/03 0 0416058808 O 03/01/33 0 8427343 E22/G02 F 125,400.00 ZZ 360 125,400.00 1 6.750 813.34 63 6.500 813.34 FALKVILLE AL 35622 2 02/04/03 00 0416077683 05 04/01/03 0 0416077683 O 03/01/33 0 8427355 E22/G02 F 396,000.00 ZZ 360 396,000.00 1 6.875 2,601.44 80 6.625 2,601.44 VACAVILLE CA 95688 1 02/03/03 00 0416105526 05 04/01/03 0 0416105526 O 03/01/33 0 8427359 E22/G02 F 66,000.00 ZZ 360 66,000.00 1 6.500 417.16 75 6.250 417.16 1 BOISE ID 83705 2 02/06/03 00 0416158673 05 04/01/03 0 0416158673 N 03/01/33 0 8427639 G27/G02 F 550,000.00 ZZ 360 549,465.43 1 6.125 3,341.86 79 5.875 3,341.86 YORBA LINDA CA 92886 5 01/24/03 00 0435352778 05 03/01/03 0 21103001 O 02/01/33 0 8427713 A35/A35 F 484,000.00 ZZ 360 483,562.46 1 6.500 3,059.21 70 6.250 3,059.21 SEAFORD NY 11783 2 01/14/03 00 4010703 05 03/01/03 0 4010703 O 02/01/33 0 8428047 369/G02 F 143,200.00 ZZ 360 143,096.35 1 7.625 1,013.57 80 7.375 1,013.57 CHANDLER AZ 85226 1 01/27/03 00 0435349683 05 03/01/03 0 27542905 N 02/01/33 0 8428189 737/G02 F 58,500.00 ZZ 360 58,456.59 2 7.500 409.04 90 7.250 409.04 GRETNA LA 70056 1 01/30/03 12 0435426994 05 03/01/03 25 2106794 N 02/01/33 0 8428303 737/G02 F 99,000.00 ZZ 360 98,926.53 4 7.500 692.22 90 7.250 692.22 HARVEY LA 70058 1 01/31/03 01 0435467923 05 03/01/03 25 2106801 N 02/01/33 0 1 8429909 Y19/G02 F 168,600.00 ZZ 360 168,477.97 1 7.625 1,193.34 95 7.375 1,193.34 EVINGTON VA 24550 5 01/29/03 14 0435358759 05 03/01/03 30 102071 O 02/01/33 0 8430097 742/G02 F 160,000.00 ZZ 360 159,844.49 1 6.125 972.18 59 5.875 972.18 NORTH WILDWOOD NJ 08260 5 01/24/03 00 0435347778 07 03/01/03 0 5954334 O 02/01/33 0 8430299 L76/G02 F 140,000.00 ZZ 360 140,000.00 1 6.125 850.65 78 5.875 850.65 ALBANY MN 56307 5 02/06/03 00 0435494075 05 04/01/03 0 9507466 O 03/01/33 0 8430341 W39/G02 F 149,000.00 ZZ 360 148,880.85 1 7.125 1,003.84 80 6.875 1,003.84 SARASOTA FL 34243 1 02/03/03 00 0435369046 05 03/01/03 0 LA030387 N 02/01/33 0 8430411 W39/G02 F 128,900.00 ZZ 360 128,780.61 1 6.375 804.17 26 6.125 804.17 SPRINGFIELD LA 70462 5 01/27/03 00 0435373899 05 03/01/03 0 LA030100 O 02/01/33 0 8430471 940/G02 F 123,750.00 ZZ 360 123,750.00 1 1 6.250 761.95 90 6.000 761.95 PHELAN AREA CA 92371 1 02/03/03 10 0435392477 05 04/01/03 25 40030098 O 03/01/33 0 8430477 N47/G02 F 205,000.00 ZZ 360 205,000.00 1 6.125 1,245.60 41 5.875 1,245.60 LOS ANGELES CA 90291 5 02/05/03 00 0435359492 05 04/01/03 0 30501235 N 03/01/33 0 8430505 G34/G02 F 140,800.00 ZZ 360 140,666.40 1 6.250 866.93 80 6.000 866.93 LAS VEGAS NV 89119 1 01/30/03 00 0435343363 05 03/01/03 0 77310030 O 02/01/33 0 8431219 P09/G02 F 206,000.00 ZZ 360 206,000.00 1 5.875 1,218.57 79 5.625 1,218.57 CHESTERFIELD VA 23832 2 02/03/03 00 0435378286 05 04/01/03 0 R0301029 O 03/01/33 0 8431331 A06/G02 F 156,750.00 ZZ 360 156,750.00 1 6.875 1,029.74 95 6.625 1,029.74 ROYAL OAK MI 48073 5 02/04/03 11 0435365754 05 04/01/03 25 021000020235085 O 03/01/33 0 8431337 L96/G02 F 383,000.00 ZZ 360 382,636.59 1 6.250 2,358.20 73 6.000 2,358.20 THOUSAND OAKS CA 91360 5 01/23/03 00 0435453527 03 03/01/03 0 1 7930830000 O 02/01/33 0 8431343 P09/G02 F 200,000.00 ZZ 360 200,000.00 1 6.000 1,199.10 61 5.750 1,199.10 WOODBRIDGE VA 22193 2 02/04/03 00 0435381744 05 04/01/03 0 JAMWILL O 03/01/33 0 8431527 P09/G02 F 196,000.00 ZZ 240 196,000.00 1 6.000 1,404.20 66 5.750 1,404.20 LAUREL MD 20708 2 02/03/03 00 0435379441 05 04/01/03 0 0211477 O 03/01/23 0 8431679 168/168 F 280,000.00 ZZ 360 279,758.93 1 6.750 1,816.07 80 6.500 1,816.07 MAHOPOAC NY 10541 1 01/24/03 00 0099936755 05 03/01/03 0 0099936755 O 02/01/33 0 8431681 168/168 F 28,200.00 T 240 27,994.36 1 7.500 227.18 49 7.250 227.18 SEWARD NY 12099 5 10/07/02 00 NY3120 05 12/01/02 0 NY3120 O 11/01/22 0 8431749 967/G02 F 131,600.00 ZZ 360 131,483.89 2 6.625 842.65 70 6.375 842.65 EVERETT WA 98201 5 01/31/03 00 0435428727 05 03/01/03 0 5930896 N 02/01/33 0 1 8431891 168/168 F 176,000.00 ZZ 360 175,859.26 1 7.125 1,185.74 75 6.875 1,185.74 PLEASANT VALLEY NY 12569 5 01/14/03 00 0099632551 05 03/01/03 0 0099632551 O 02/01/33 0 8432135 E82/G02 F 80,850.00 ZZ 360 80,850.00 4 6.375 504.40 32 6.125 504.40 AUSTIN TX 78724 2 02/12/03 00 0400756607 05 04/01/03 0 1706340 N 03/01/33 0 8432141 E82/G02 F 206,600.00 ZZ 360 206,600.00 1 6.875 1,357.21 64 6.625 1,357.21 MORRISTOWN NJ 07960 2 02/12/03 00 0400773792 05 04/01/03 0 1849722 N 03/01/33 0 8432145 E82/G02 F 84,600.00 ZZ 360 84,600.00 1 6.000 507.22 68 5.750 507.22 SAN ANTONIO TX 78259 2 02/06/03 00 0400771861 03 04/01/03 0 1696919 O 03/01/33 0 8432149 E82/G02 F 89,850.00 ZZ 360 89,850.00 4 6.375 560.55 35 6.125 560.55 AUSTIN TX 78724 2 02/12/03 00 0400756573 05 04/01/03 0 1706853 N 03/01/33 0 8432151 E82/G02 F 89,850.00 ZZ 360 89,850.00 4 6.375 560.55 35 6.125 560.55 1 AUSTIN TX 78724 2 02/12/03 00 0400756631 05 04/01/03 0 1706339 N 03/01/33 0 8432259 W30/G02 F 202,500.00 ZZ 360 202,349.72 3 7.500 1,415.91 90 7.250 1,415.91 CENTRAL FALLS RI 02863 1 01/29/03 12 0435368964 05 03/01/03 25 022747724 N 02/01/33 0 8432339 168/168 F 154,000.00 ZZ 360 153,866.25 1 6.750 998.84 80 6.500 998.84 PERINTON NY 14450 1 01/14/03 00 0319304582 05 03/01/03 0 0319304582 O 02/01/33 0 8432387 588/G02 F 156,000.00 ZZ 360 155,855.51 1 6.375 973.24 80 6.125 973.24 TOWNSHIP OF MED NJ 08055 1 01/15/03 00 0435366430 05 03/01/03 0 00010828860 O 02/01/33 0 8432479 E22/G02 F 114,000.00 ZZ 360 114,000.00 1 6.750 739.40 75 6.500 739.40 LEICESTER NC 28748 2 01/29/03 00 0415683754 05 04/01/03 0 0415683754 O 03/01/33 0 8432491 E22/G02 F 83,200.00 ZZ 360 83,200.00 1 6.875 546.56 80 6.625 546.56 DENVER CO 80235 5 02/06/03 00 0415789916 01 04/01/03 0 0415789916 O 03/01/33 0 1 8432503 E22/G02 F 174,000.00 ZZ 360 174,000.00 1 5.875 1,029.28 79 5.625 1,029.28 RIO LINDA CA 95673 5 01/31/03 00 0415802164 05 04/01/03 0 0415802164 O 03/01/33 0 8432511 E22/G02 F 270,000.00 ZZ 360 270,000.00 1 6.250 1,662.44 42 6.000 1,662.44 SHINGLE SPRINGS CA 95682 5 02/03/03 00 0415820679 05 04/01/03 0 0415820679 O 03/01/33 0 8432517 E22/G02 F 300,000.00 ZZ 360 300,000.00 1 6.250 1,847.15 67 6.000 1,847.15 PALO ALTO CA 94303 2 02/05/03 00 0415828466 01 04/01/03 0 0415828466 O 03/01/33 0 8432559 E22/G02 F 90,900.00 ZZ 360 90,900.00 1 7.250 620.10 90 7.000 620.10 BRIDGEWATER NJ 08807 1 02/12/03 01 0415883776 01 04/01/03 25 0415883776 O 03/01/33 0 8432573 E22/G02 F 269,000.00 ZZ 360 269,000.00 1 7.000 1,789.66 65 6.750 1,789.66 CRANFORD NJ 07016 5 02/03/03 00 0415618396 05 04/01/03 0 0415618396 O 03/01/33 0 8432597 E22/G02 F 265,905.00 ZZ 360 265,905.00 1 1 7.500 1,859.25 95 7.250 1,859.25 ST. CLAIR SHORE MI 48081 1 02/07/03 01 0415642214 05 04/01/03 30 0415642214 O 03/01/33 0 8432611 E22/G02 F 152,000.00 ZZ 360 152,000.00 1 6.750 985.87 80 6.500 985.87 MUNITH MI 49259 5 02/06/03 00 0415921519 05 04/01/03 0 0415921519 O 03/01/33 0 8432621 E22/G02 F 150,000.00 ZZ 360 150,000.00 1 6.250 923.58 50 6.000 923.58 SPARTA NJ 07871 5 01/31/03 00 0415926054 05 04/01/03 0 0415926054 O 03/01/33 0 8432703 E22/G02 F 90,000.00 ZZ 240 89,808.09 1 6.125 651.29 38 5.875 651.29 MONROE TOWNSHIP NJ 08831 5 02/03/03 00 0415791722 05 03/01/03 0 0415791722 O 02/01/23 0 8432715 E22/G02 F 66,800.00 ZZ 360 66,741.06 1 6.625 427.73 80 6.375 427.73 CORYDON IN 47112 5 02/03/03 00 0415798214 05 03/01/03 0 0415798214 O 02/01/33 0 8432729 E22/G02 F 147,920.00 ZZ 360 147,920.00 1 6.750 959.41 80 6.500 959.41 EUGENE OR 97405 1 02/04/03 00 0415988922 05 04/01/03 0 1 0415988922 O 03/01/33 0 8432747 E22/G02 F 199,500.00 ZZ 360 199,319.65 1 6.500 1,260.98 95 6.250 1,260.98 DENVER CO 80233 2 02/03/03 01 0415833797 05 03/01/03 30 0415833797 O 02/01/33 0 8432753 E22/G02 F 141,000.00 ZZ 360 141,000.00 1 7.625 997.99 92 7.375 997.99 BALLWIN MO 63021 2 02/06/03 01 0416004216 03 04/01/03 30 0416004216 O 03/01/33 0 8432765 E22/G02 F 312,000.00 ZZ 360 312,000.00 1 6.000 1,870.60 80 5.750 1,870.60 SAN JOSE CA 95111 5 02/03/03 00 0416012466 05 04/01/03 0 0416012466 O 03/01/33 0 8432773 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.750 1,297.20 73 6.500 1,297.20 DOWNERS GROVE IL 60515 5 02/06/03 00 0416017002 05 04/01/03 0 0416017002 O 03/01/33 0 8432783 E22/G02 F 127,920.00 ZZ 360 127,920.00 1 6.125 777.26 80 5.875 777.26 COLORADO SPRING CO 80917 1 02/07/03 00 0415873678 05 04/01/03 0 0415873678 O 03/01/33 0 1 8432795 E22/G02 F 64,800.00 ZZ 360 64,800.00 2 6.500 409.58 90 6.250 409.58 KANSAS CITY KS 66104 1 02/06/03 01 0415878586 05 04/01/03 25 0415878586 N 03/01/33 0 8432801 E22/G02 F 64,800.00 ZZ 360 64,800.00 2 6.500 409.58 90 6.250 409.58 KANSAS CITY KS 66104 1 02/06/03 01 0415878792 05 04/01/03 25 0415878792 N 03/01/33 0 8432815 E22/G02 F 86,500.00 ZZ 360 86,500.00 1 6.250 532.60 78 6.000 532.60 YAKIMA WA 98908 2 02/05/03 00 0416034221 05 04/01/03 0 0416034221 O 03/01/33 0 8432867 E22/G02 F 365,500.00 ZZ 360 365,136.14 1 6.000 2,191.36 75 5.750 2,191.36 PALM BEACH GARD FL 33418 5 02/03/03 00 0415924380 03 03/01/03 0 0415924380 O 02/01/33 0 8432877 E22/G02 F 120,000.00 ZZ 360 120,000.00 1 6.375 748.64 63 6.125 748.64 TROY MI 48084 5 02/06/03 00 0416135580 05 04/01/03 0 0416135580 O 03/01/33 0 8432887 E22/G02 F 92,300.00 ZZ 360 92,300.00 1 6.375 575.83 80 6.125 575.83 1 BERKLEY MI 48072 1 02/11/03 00 0416142032 05 04/01/03 0 0416142032 O 03/01/33 0 8432899 E22/G02 F 163,200.00 ZZ 360 163,200.00 1 6.750 1,058.51 80 6.500 1,058.51 FRESNO CA 93722 1 02/04/03 00 0415951276 05 04/01/03 0 0415951276 O 03/01/33 0 8432903 E22/G02 F 73,600.00 ZZ 360 73,600.00 1 7.250 502.08 80 7.000 502.08 CEDAR HILL TX 75104 1 02/07/03 00 0415961457 05 04/01/03 0 0415961457 N 03/01/33 0 8432905 E22/G02 F 116,000.00 ZZ 360 115,887.25 1 6.125 704.83 80 5.875 704.83 KELLER TX 76248 1 02/04/03 00 0415962091 03 03/01/03 0 0415962091 O 02/01/33 0 8432909 E22/G02 F 64,800.00 ZZ 360 64,749.45 1 7.250 442.05 90 7.000 442.05 MORRISTOWN TN 37814 2 02/06/03 10 0415964360 05 03/01/03 25 0415964360 N 02/01/33 0 8432927 E22/G02 F 580,000.00 ZZ 360 580,000.00 1 6.250 3,571.16 80 6.000 3,571.16 DAWSONVILLE GA 30534 5 02/03/03 00 0415978980 05 04/01/03 0 0415978980 O 03/01/33 0 1 8432977 E22/G02 F 96,900.00 ZZ 360 96,808.06 1 6.250 596.63 95 6.000 596.63 COUNCIL BLUFFS IA 51503 1 01/24/03 04 0416011179 05 03/01/03 35 0416011179 O 02/01/33 0 8432983 E22/G02 F 89,200.00 ZZ 240 89,015.38 1 6.375 658.50 80 6.125 658.50 DURHAM NC 27713 1 02/07/03 00 0416021137 07 03/01/03 0 0416021137 O 02/01/23 0 8432985 E22/G02 F 55,100.00 ZZ 240 55,100.00 1 6.750 418.96 95 6.500 418.96 SHEFFIELD AL 35660 5 02/03/03 11 0416028785 05 04/01/03 30 0416028785 O 03/01/23 0 8433007 E22/G02 F 158,400.00 ZZ 360 158,400.00 1 6.375 988.21 80 6.125 988.21 HOUSTON TX 77018 1 02/07/03 00 0416063717 03 04/01/03 0 0416063717 O 03/01/33 0 8433345 A50/G02 F 612,000.00 ZZ 360 610,807.30 1 6.125 3,718.58 72 5.875 3,718.58 TUSCALOOSA AL 35406 2 12/31/02 00 0435460738 05 02/01/03 0 950867 O 01/01/33 0 8433383 E82/G02 F 90,600.00 ZZ 360 90,600.00 1 1 6.125 550.50 60 5.875 550.50 WESTMINSTER CO 80031 2 02/07/03 00 0400776076 05 04/01/03 0 1546684 O 03/01/33 0 8433389 E82/G02 F 55,000.00 ZZ 360 55,000.00 1 6.375 343.13 61 6.125 343.13 NORMAN OK 73072 2 02/07/03 00 0400763397 05 04/01/03 0 0400763397 O 03/01/33 0 8433401 E82/G02 F 130,000.00 ZZ 360 130,000.00 1 6.750 843.18 34 6.500 843.18 CHINO HILLS CA 91709 5 02/04/03 00 0400763785 05 04/01/03 0 0400763785 O 03/01/33 0 8433459 253/253 F 400,000.00 ZZ 360 399,629.52 1 6.375 2,495.48 80 6.125 2,495.48 TULSA OK 74132 5 01/31/03 00 455545 05 03/01/03 0 455545 O 02/01/33 0 8433469 E47/G02 F 196,000.00 ZZ 360 195,822.82 1 6.500 1,238.85 56 6.250 1,238.85 BURTONSVILLE MD 20866 5 01/27/03 00 0435354220 05 03/01/03 0 7338511102 O 02/01/33 0 8433691 738/G02 F 185,600.00 ZZ 360 185,428.09 1 6.375 1,157.91 80 6.125 1,157.91 GARNER NC 27529 1 01/31/03 00 0435354451 05 03/01/03 0 1 40869140 O 02/01/33 0 8433695 M07/G02 F 60,000.00 ZZ 360 60,000.00 1 6.875 394.16 80 6.625 394.16 DESERT HOT SPRI CA 92240 1 02/03/03 00 0435374228 05 04/01/03 0 01030108 N 03/01/33 0 8434123 477/G02 F 185,000.00 ZZ 360 184,828.65 1 6.375 1,154.16 78 6.125 1,154.16 EL MONTE CA 91731 5 01/23/03 00 0435358379 05 03/01/03 0 205590 O 02/01/33 0 8434497 168/168 F 76,500.00 ZZ 360 76,438.83 4 7.125 515.39 90 6.875 515.39 COHOES NY 12047 1 01/24/03 14 0099619199 05 03/01/03 25 0099619199 N 02/01/33 0 8434951 P34/G02 F 99,000.00 ZZ 360 98,918.85 2 7.000 658.65 90 6.750 658.65 PROVIDENCE RI 02909 2 01/31/03 10 0435373303 05 03/01/03 30 62205 N 02/01/33 0 8435155 742/G02 F 232,500.00 ZZ 360 232,500.00 1 6.250 1,431.54 75 6.000 1,431.54 ROCHESTER NY 14610 1 02/03/03 00 0435360896 05 04/01/03 0 5882808 O 03/01/33 0 1 8435271 X52/G02 F 140,000.00 ZZ 360 140,000.00 1 6.125 850.65 74 5.875 850.65 SUGARLOAF SHORE FL 33042 5 02/06/03 00 0435378229 05 04/01/03 0 FRAZIER O 03/01/33 0 8435463 M24/G02 F 120,000.00 ZZ 360 119,886.14 1 6.250 738.86 80 6.000 738.86 SANTA ANA CA 92701 5 01/24/03 00 0435431614 01 03/01/03 0 288209090 O 02/01/33 0 8435619 883/G02 F 467,500.00 ZZ 360 467,097.49 3 6.750 3,032.20 85 6.500 3,032.20 CHICAGO IL 60645 5 01/30/03 10 0435361712 05 03/01/03 12 75000027 O 02/01/33 0 8435697 K15/G02 F 90,100.00 ZZ 360 90,100.00 1 6.125 547.46 79 5.875 547.46 MCDONALD OH 44437 5 02/04/03 00 0435361084 05 04/01/03 0 028605505629 O 03/01/33 0 8435775 N67/G02 F 355,000.00 ZZ 360 354,646.60 1 6.000 2,128.40 80 5.750 2,128.40 RENO NV 89511 1 01/08/03 00 0435370788 05 03/01/03 0 1260005563 O 02/01/33 0 8435961 N67/G02 F 213,000.00 ZZ 360 212,833.84 1 7.250 1,453.04 72 7.000 1,453.04 1 CHICAGO IL 60630 5 01/10/03 00 0435371976 05 03/01/03 0 3262004160 O 02/01/33 0 8436045 N67/G02 F 220,000.00 ZZ 360 219,340.77 1 7.500 1,538.27 49 7.250 1,538.27 PEABODY MA 01960 5 10/24/02 00 0435378765 05 12/01/02 0 3275002995 O 11/01/32 0 8436241 N67/G02 F 396,000.00 ZZ 360 395,720.51 4 7.750 2,836.99 80 7.500 2,836.99 BROOKLYN NY 11237 1 01/15/03 00 0435373709 05 03/01/03 0 3274006779 O 02/01/33 0 8436381 U05/G02 F 156,000.00 ZZ 360 155,848.38 1 6.125 947.87 80 5.875 947.87 OREGON CITY OR 97045 5 01/28/03 00 0435363205 03 03/01/03 0 3305814 N 02/01/33 0 8436411 U85/G02 F 148,000.00 ZZ 360 148,000.00 1 5.875 875.48 80 5.625 875.48 OAKFIELD WI 53065 5 02/04/03 00 0435371182 05 04/01/03 0 100143 O 03/01/33 0 8436447 X82/G02 F 134,000.00 T 360 133,887.43 1 6.875 880.28 67 6.625 880.28 OCEAN VIEW DE 19970 5 01/31/03 00 0435359542 01 03/01/03 0 845082 O 02/01/33 0 1 8436455 X82/G02 F 251,900.00 ZZ 360 251,900.00 1 6.250 1,550.99 90 6.000 1,550.99 STERLING VA 20165 1 02/07/02 12 0435358528 09 04/01/03 25 850968 N 03/01/33 0 8436461 N47/G02 F 380,000.00 ZZ 360 380,000.00 1 6.000 2,278.29 58 5.750 2,278.29 CASTRO VALLEY CA 94552 5 02/03/03 00 0435396346 05 04/01/03 0 20502505 N 03/01/33 0 8436495 G27/G02 F 215,000.00 ZZ 360 214,441.53 2 6.750 1,394.49 75 6.500 1,394.49 WHITTIER CA 90602 5 11/19/02 00 0435368014 05 01/01/03 0 2002811 N 12/01/32 0 8436507 F89/G02 F 76,000.00 ZZ 360 76,000.00 1 6.875 499.27 80 6.625 499.27 LANCASTER CA 93534 1 02/01/03 00 0435367321 05 04/01/03 0 10626914 N 03/01/33 0 8436511 F89/G02 F 106,000.00 ZZ 360 106,000.00 1 6.875 696.34 80 6.625 696.34 LANCASTER CA 93536 1 02/03/03 00 0435367461 05 04/01/03 0 10627161 N 03/01/33 0 8436531 975/G02 F 322,700.00 ZZ 360 322,700.00 1 1 6.125 1,960.76 74 5.875 1,960.76 IRVINE CA 92604 5 02/03/03 00 0435359724 05 04/01/03 0 2030164 O 03/01/33 0 8436533 B39/G02 F 176,400.00 ZZ 360 176,400.00 4 6.875 1,158.82 90 6.625 1,158.82 ROCHESTER MN 55904 1 02/12/03 12 0435396080 05 04/01/03 25 20030522F O 03/01/33 0 8436539 940/G02 F 132,000.00 ZZ 360 132,000.00 1 6.500 834.33 80 6.250 834.33 ONTARIO CA 91764 5 02/05/03 00 0435359500 05 04/01/03 0 40030109 O 03/01/33 0 8436553 F36/G02 F 120,000.00 ZZ 360 119,871.71 1 5.625 690.79 55 5.375 690.79 ROY WA 98580 5 01/25/03 00 0435374020 03 03/01/03 0 06405786 O 02/01/33 0 8436619 F28/G02 F 530,000.00 ZZ 360 528,554.79 1 6.500 3,349.96 75 6.250 3,349.96 MOUNT AIRY MD 21771 5 11/15/02 00 0435360045 05 01/01/03 0 4028162 O 12/01/32 0 8436623 F28/G02 F 450,000.00 ZZ 360 448,649.33 1 6.000 2,697.98 75 5.750 2,697.98 PHILADELPHIA PA 19147 5 11/22/02 00 0435359088 07 01/01/03 0 1 3972667 O 12/01/32 0 8436717 F28/G02 F 412,000.00 ZZ 360 411,627.54 1 6.500 2,604.13 73 6.250 2,604.13 PHOENIX AZ 85018 5 01/16/03 00 0435366190 05 03/01/03 0 4394230 O 02/01/33 0 8436901 E22/G02 F 59,500.00 ZZ 240 59,500.00 1 6.250 434.90 54 6.000 434.90 FORT COLLINS CO 80526 5 02/07/03 00 0415191477 01 04/01/03 0 0415191477 O 03/01/23 0 8436903 E22/G02 F 42,400.00 ZZ 360 42,400.00 1 7.125 285.66 80 6.875 285.66 LIVINGSTON MT 59047 5 02/07/03 00 0415349075 05 04/01/03 0 0415349075 O 03/01/33 0 8436911 E22/G02 F 107,730.00 ZZ 360 107,730.00 4 7.750 771.79 95 7.500 771.79 RUTLAND VT 05701 1 02/12/03 04 0415655471 05 04/01/03 30 0415655471 O 03/01/33 0 8436913 E22/G02 F 243,200.00 ZZ 360 243,200.00 1 6.000 1,458.11 80 5.750 1,458.11 WALLINGFORD CT 06492 5 02/07/03 00 0415673557 05 04/01/03 0 0415673557 O 03/01/33 0 1 8436915 E22/G02 F 78,400.00 ZZ 360 78,400.00 1 6.500 495.54 80 6.250 495.54 RUTLAND VT 05701 5 02/07/03 00 0415695840 05 04/01/03 0 0415695840 O 03/01/33 0 8436919 E22/G02 F 141,000.00 ZZ 360 141,000.00 1 6.500 891.22 75 6.250 891.22 CLAWSON MI 48017 5 02/07/03 00 0415713544 05 04/01/03 0 0415713544 O 03/01/33 0 8436929 E22/G02 F 96,800.00 ZZ 360 96,800.00 1 6.375 603.91 65 6.125 603.91 WIMBERLEY TX 78676 5 02/06/03 00 0415754365 03 04/01/03 0 0415754365 O 03/01/33 0 8436933 E22/G02 F 117,750.00 ZZ 360 117,750.00 4 6.500 744.26 76 6.250 744.26 WHITE SETTLEMEN TX 76108 2 02/12/03 00 0415760974 05 04/01/03 0 0415760974 N 03/01/33 0 8436935 E22/G02 F 65,250.00 ZZ 360 65,250.00 1 6.750 423.21 80 6.500 423.21 TITUSVILLE FL 32780 5 02/07/03 00 0415772797 05 04/01/03 0 0415772797 O 03/01/33 0 8436941 E22/G02 F 125,439.00 ZZ 360 125,439.00 1 6.000 752.07 13 5.750 752.07 1 SAN MATEO CA 94402 2 02/05/03 00 0415784149 05 04/01/03 0 0415784149 O 03/01/33 0 8436951 E22/G02 F 142,000.00 ZZ 360 142,000.00 1 6.125 862.81 85 5.875 862.81 TRAVERSE CITY MI 49684 2 02/07/03 04 0415825348 05 04/01/03 12 0415825348 O 03/01/33 0 8436963 E22/G02 F 543,750.00 ZZ 360 543,750.00 1 6.125 3,303.88 75 5.875 3,303.88 LAGUNA BEACH CA 92651 5 01/29/03 00 0415862952 05 04/01/03 0 0415862952 O 03/01/33 0 8436969 E22/G02 F 117,750.00 ZZ 360 117,750.00 4 6.500 744.26 76 6.250 744.26 WHITE SETTLEMEN TX 76108 2 02/12/03 00 0415874122 05 04/01/03 0 0415874122 N 03/01/33 0 8436971 E22/G02 F 117,750.00 ZZ 360 117,750.00 4 6.500 744.26 76 6.250 744.26 WHITE SETTLEMEN TX 76108 2 02/12/03 00 0415874155 05 04/01/03 0 0415874155 N 03/01/33 0 8436973 E22/G02 F 445,000.00 ZZ 360 445,000.00 1 6.125 2,703.87 70 5.875 2,703.87 SAN FRANCISCO CA 94121 2 02/01/03 00 0415877539 07 04/01/03 0 0415877539 O 03/01/33 0 1 8437001 E22/G02 F 75,920.00 ZZ 360 75,920.00 1 6.125 461.30 80 5.875 461.30 COLUMBIA SC 29229 1 02/12/03 00 0415917293 05 04/01/03 0 0415917293 O 03/01/33 0 8437021 E22/G02 F 153,000.00 ZZ 360 153,000.00 1 7.000 1,017.91 100 6.750 1,017.91 CLEVELAND TN 37312 2 02/07/03 04 0415953801 05 04/01/03 35 0415953801 O 03/01/33 0 8437061 E82/G02 F 247,500.00 ZZ 360 247,500.00 1 6.625 1,584.77 90 6.375 1,584.77 SALT LAKE CITY UT 84117 2 02/10/03 04 0400777983 05 04/01/03 25 7231728 O 03/01/33 0 8437081 E22/G02 F 96,000.00 ZZ 360 96,000.00 1 6.000 575.57 54 5.750 575.57 PORTLAND OR 97219 5 02/06/03 00 0415981067 05 04/01/03 0 0415981067 O 03/01/33 0 8437083 E22/G02 F 392,811.00 ZZ 360 392,811.00 1 6.250 2,418.60 78 6.000 2,418.60 HIGHLAND VILLAG TX 75077 5 02/07/03 00 0415984947 03 04/01/03 0 0415984947 O 03/01/33 0 8437099 E22/G02 F 232,000.00 ZZ 360 232,000.00 1 1 5.875 1,372.37 80 5.625 1,372.37 PALATINE IL 60067 5 02/07/03 00 0416014553 09 04/01/03 0 0416014553 O 03/01/33 0 8437125 E22/G02 F 57,750.00 ZZ 360 57,750.00 1 7.500 403.80 75 7.250 403.80 KNOXVILLE TN 37917 2 02/12/03 00 0416053353 05 04/01/03 0 0416053353 N 03/01/33 0 8437129 E22/G02 F 266,800.00 ZZ 360 266,800.00 1 6.750 1,730.46 63 6.500 1,730.46 PLANO TX 75025 5 02/07/03 00 0416057354 03 04/01/03 0 0416057354 O 03/01/33 0 8437141 E22/G02 F 134,500.00 ZZ 360 134,500.00 1 6.500 850.13 95 6.250 850.13 ROY UT 84067 2 02/06/03 04 0416081800 05 04/01/03 30 0416081800 O 03/01/33 0 8437149 E22/G02 F 272,000.00 ZZ 360 272,000.00 1 6.125 1,652.70 80 5.875 1,652.70 COLLEYVILLE TX 76034 1 02/10/03 00 0416103299 03 04/01/03 0 0416103299 O 03/01/33 0 8437151 E22/G02 F 172,900.00 ZZ 360 172,900.00 1 6.875 1,135.83 95 6.625 1,135.83 WEST JORDAN UT 84084 2 02/07/03 04 0416105856 05 04/01/03 30 1 0416105856 O 03/01/33 0 8437159 E22/G02 F 68,152.00 ZZ 360 68,152.00 1 6.750 442.03 80 6.500 442.03 CALDWELL ID 83607 1 02/07/03 00 0416134880 03 04/01/03 0 0416134880 N 03/01/33 0 8437517 A06/G02 F 160,000.00 ZZ 360 159,855.36 1 6.500 1,011.31 80 6.250 1,011.31 COMMERCE TOWNSH MI 48382 5 01/31/03 00 0435377783 05 03/01/03 0 1000010200501 O 02/01/33 0 8437581 E47/G02 F 238,500.00 ZZ 360 238,284.40 1 6.500 1,507.48 90 6.250 1,507.48 TRACY CA 95375 2 01/20/03 11 0435382072 05 03/01/03 25 7359512562 O 02/01/33 0 8437667 808/G02 F 207,000.00 ZZ 360 206,821.78 1 6.750 1,342.60 80 6.500 1,342.60 OJAI CA 93023 1 01/08/03 00 0435367248 05 03/01/03 0 9328457 O 02/01/33 0 8438571 420/G02 F 380,000.00 ZZ 360 379,630.66 1 6.125 2,308.92 80 5.875 2,308.92 AMERICAN CANYON CA 94503 5 01/27/03 00 0435408323 05 03/01/03 0 12200026 O 02/01/33 0 1 8438581 B44/G02 F 177,600.00 ZZ 360 177,431.49 1 6.250 1,093.51 80 6.000 1,093.51 BOISE ID 83716 1 01/23/03 00 0435391602 03 03/01/03 0 4031000 O 02/01/33 0 8438631 F89/G02 F 166,400.00 ZZ 360 166,400.00 1 6.125 1,011.06 80 5.875 1,011.06 LANCASTER CA 93536 5 02/05/03 00 0435411616 05 04/01/03 0 10627835 O 03/01/33 0 8438639 X67/G02 F 188,000.00 ZZ 360 187,849.66 1 7.125 1,266.59 69 6.875 1,266.59 CANDIA NH 03034 5 01/21/03 00 0435366687 05 03/01/03 0 00241503 O 02/01/33 0 8438693 L76/G02 F 41,325.00 ZZ 360 41,325.00 1 6.250 254.45 95 6.000 254.45 ST LOUIS MO 63133 5 02/10/03 11 0435446851 05 04/01/03 30 9507398 O 03/01/33 0 8438749 W68/G02 F 46,500.00 ZZ 360 46,463.73 1 7.250 317.21 75 7.000 317.21 SAN ANTONIO TX 78222 5 01/23/03 00 0435429576 05 03/01/03 0 35098 N 02/01/33 0 8438799 601/G02 F 294,400.00 ZZ 360 293,635.27 2 6.750 1,909.48 81 6.500 1,909.48 1 CHICAGO IL 60630 2 11/18/02 10 0435378138 05 01/01/03 12 62075502 O 12/01/32 0 8438837 S43/G02 F 185,500.00 ZZ 360 185,500.00 1 6.375 1,157.28 31 6.125 1,157.28 SANTA FE NM 87506 5 02/11/03 00 0435362769 05 04/01/03 0 022094 O 03/01/33 0 8438941 408/G02 F 20,430.00 ZZ 360 20,414.84 1 7.500 142.85 90 7.250 142.85 OKLAHOMA CITY OK 73109 1 01/24/03 01 0435393061 05 03/01/03 25 703032418 N 02/01/33 0 8438969 N74/G02 F 120,000.00 ZZ 360 119,877.65 1 5.875 709.85 95 5.625 709.85 MADISON NC 27025 2 02/07/03 10 0435428586 05 03/13/03 30 0031687010 O 02/13/33 0 8439625 N67/G02 F 140,000.00 ZZ 360 139,764.09 1 6.875 919.70 70 6.625 919.70 CENTRAL ISLIP NY 11722 5 12/18/02 00 0435368352 05 02/01/03 0 3275002974 N 01/01/33 0 8439689 N67/G02 F 140,000.00 ZZ 360 139,801.74 1 7.750 1,002.98 75 7.500 1,002.98 HENDERSON NV 89052 1 12/26/02 00 0435368600 03 02/01/03 0 1162001338 O 01/01/33 0 1 8439797 N67/G02 F 31,300.00 T 360 31,253.41 1 7.500 218.85 70 7.250 218.85 LAKESHORE FL 33854 1 01/03/03 00 0435369111 03 02/01/03 0 3254003630 O 01/01/33 0 8440023 N67/G02 F 136,500.00 ZZ 360 136,393.52 1 7.250 931.17 70 7.000 931.17 JACKSON NJ 08527 1 01/07/03 00 0435370077 05 03/01/03 0 3264001843 N 02/01/33 0 8440257 E82/G02 F 99,600.00 ZZ 360 99,600.00 1 6.375 621.37 75 6.125 621.37 ONTARIO CA 91762 2 02/06/03 00 0400758041 01 04/01/03 0 0400758041 O 03/01/33 0 8440401 E22/G02 F 42,750.00 ZZ 360 42,750.00 1 7.750 306.27 90 7.500 306.27 GORHAM IL 62940 1 02/11/03 01 0415610641 05 04/01/03 30 0415610641 O 03/01/33 0 8440415 E22/G02 F 308,000.00 ZZ 360 308,000.00 1 6.500 1,946.77 80 6.250 1,946.77 PLACENTIA CA 92870 5 01/30/03 00 0415771971 03 04/01/03 0 0415771971 O 03/01/33 0 8440423 E22/G02 F 197,500.00 ZZ 360 197,500.00 2 1 7.000 1,313.97 90 6.750 1,313.97 BELL CA 90201 5 02/05/03 04 0415840750 05 04/01/03 25 0415840750 O 03/01/33 0 8440433 E22/G02 F 82,850.00 ZZ 360 82,850.00 1 6.875 544.27 85 6.625 544.27 PENNSAUKEN NJ 08110 1 02/13/03 04 0415899541 05 04/01/03 25 0415899541 O 03/01/33 0 8440441 E22/G02 F 168,000.00 ZZ 360 168,000.00 1 6.500 1,061.87 80 6.250 1,061.87 ELK GROVE CA 95624 5 02/04/03 00 0415912898 07 04/01/03 0 0415912898 O 03/01/33 0 8440461 E22/G02 F 59,920.00 ZZ 360 59,920.00 1 6.250 368.94 80 6.000 368.94 FORSYTH MO 65653 1 02/13/03 00 0415973445 05 04/01/03 0 0415973445 O 03/01/33 0 8440465 E22/G02 F 247,920.00 ZZ 360 247,920.00 1 6.375 1,546.70 80 6.125 1,546.70 RIVERSIDE CA 92508 1 02/06/03 00 0415973585 05 04/01/03 0 0415973585 O 03/01/33 0 8440477 E22/G02 F 131,600.00 ZZ 360 131,600.00 1 7.500 920.17 80 7.250 920.17 GARDNERVILLE NV 89410 5 01/30/03 00 0415988567 05 04/01/03 0 1 0415988567 N 03/01/33 0 8440505 E22/G02 F 430,000.00 ZZ 360 430,000.00 1 6.125 2,612.73 80 5.875 2,612.73 CARLSBAD CA 92008 5 02/04/03 00 0416052702 03 04/01/03 0 0416052702 O 03/01/33 0 8440549 E22/G02 F 50,000.00 ZZ 360 50,000.00 1 6.625 320.16 90 6.375 320.16 AKRON OH 44320 1 02/13/03 01 0416134310 05 04/01/03 25 0416134310 N 03/01/33 0 8440553 E22/G02 F 99,600.00 ZZ 360 99,600.00 1 7.750 713.55 80 7.500 713.55 MADERA CA 93637 5 02/10/03 00 0416145753 05 04/01/03 0 0416145753 N 03/01/33 0 8440695 E47/G02 F 300,000.00 ZZ 360 300,000.00 2 7.250 2,046.53 80 7.000 2,046.53 HAYWARD CA 94541 1 02/04/03 00 0435408836 05 04/01/03 0 7333012994 O 03/01/33 0 8440731 E57/G02 F 210,000.00 ZZ 360 210,000.00 1 6.500 1,327.34 75 6.250 1,327.34 SANTA ANA CA 92705 5 02/03/03 00 0435394440 02 04/01/03 0 06013107 O 03/01/33 0 1 8441251 N74/G02 F 95,700.00 ZZ 360 95,606.99 1 6.125 581.48 93 5.875 581.48 DANVILLE VA 24540 2 02/10/03 10 0435410683 05 03/14/03 30 0031699010 O 02/14/33 0 8441321 X13/G02 F 449,000.00 ZZ 360 449,000.00 1 6.375 2,801.18 75 6.125 2,801.18 FAIRFAX VA 22033 5 01/30/03 00 0435496641 05 04/01/03 0 0670472 O 03/01/33 0 8441429 K15/G02 F 136,500.00 ZZ 360 136,500.00 1 6.125 829.39 65 5.875 829.39 SALEM NH 03079 5 02/10/03 00 0435383625 05 04/01/03 0 033105510009 O 03/01/33 0 8441451 825/G02 F 450,000.00 ZZ 360 450,000.00 1 6.125 2,734.25 75 5.875 2,734.25 TRACY CA 95377 5 02/10/03 00 0435400643 05 04/01/03 0 NICHOLSON O 03/01/33 0 8441453 X78/G02 F 189,000.00 ZZ 360 189,000.00 1 5.750 1,102.95 60 5.500 1,102.95 TAMPA FL 33606 5 02/10/03 00 0435400395 01 04/01/03 0 990282 O 03/01/33 0 8441503 G34/G02 F 611,000.00 ZZ 360 611,000.00 1 6.125 3,712.50 80 5.875 3,712.50 1 ORONO MN 55391 2 02/06/03 00 0435436746 05 04/01/03 0 85213273 O 03/01/33 0 8441763 U05/G02 F 117,000.00 TX 360 116,915.32 1 7.625 828.12 65 7.375 828.12 FREDERICKSBURG TX 78624 5 01/29/03 00 0435405113 05 03/01/03 0 3294433 O 02/01/33 0 8442701 E82/G02 F 146,600.00 ZZ 360 146,600.00 1 6.125 890.76 76 5.875 890.76 GLENDORA CA 91741 2 02/07/03 00 0400771986 05 04/01/03 0 5023967 O 03/01/33 0 8443345 E22/G02 F 373,000.00 ZZ 360 373,000.00 1 6.000 2,236.32 79 5.750 2,236.32 WASHINGTON DC 20015 2 02/07/03 00 0416035525 09 04/01/03 0 0416035525 O 03/01/33 0 8443349 E22/G02 F 161,250.00 ZZ 360 161,250.00 1 6.125 979.77 75 5.875 979.77 MOUNTLAKE TERRA WA 98043 1 02/10/03 00 0416040335 05 04/01/03 0 0416040335 N 03/01/33 0 8443361 E22/G02 F 398,400.00 ZZ 360 398,400.00 1 6.125 2,420.72 80 5.875 2,420.72 PUEBLO CO 81008 2 02/14/03 00 0416048924 05 04/01/03 0 0416048924 O 03/01/33 0 1 8443401 E22/G02 F 50,000.00 ZZ 360 50,000.00 1 6.875 328.46 72 6.625 328.46 PUEBLO CO 81004 5 02/14/03 00 0416103323 05 04/01/03 0 0416103323 N 03/01/33 0 8443407 E22/G02 F 500,000.00 ZZ 360 500,000.00 1 6.250 3,078.59 74 6.000 3,078.59 BOULDER CO 80304 5 02/10/03 00 0416106987 05 04/01/03 0 0416106987 O 03/01/33 0 8443419 E22/G02 F 80,000.00 ZZ 360 80,000.00 1 6.250 492.57 80 6.000 492.57 ARLINGTON TX 76015 5 02/10/03 00 0416112316 05 04/01/03 0 0416112316 O 03/01/33 0 8443431 E22/G02 F 192,500.00 ZZ 360 192,500.00 1 6.500 1,216.73 67 6.250 1,216.73 ROSEVILLE CA 95661 1 02/06/03 00 0416125888 05 04/01/03 0 0416125888 N 03/01/33 0 8443437 E22/G02 F 64,000.00 ZZ 360 64,000.00 1 6.500 404.52 80 6.250 404.52 ALABASTER AL 35007 1 02/14/03 00 0416135408 05 04/01/03 0 0416135408 N 03/01/33 0 8443449 E22/G02 F 356,000.00 ZZ 360 356,000.00 1 1 6.250 2,191.95 80 6.000 2,191.95 BORING OR 97009 5 02/10/03 00 0416163582 05 04/01/03 0 0416163582 O 03/01/33 0 8443483 E22/G02 F 135,000.00 ZZ 360 135,000.00 3 6.750 875.61 62 6.500 875.61 PROVIDENCE RI 02908 2 02/14/03 00 0415758366 05 04/01/03 0 0415758366 N 03/01/33 0 8443485 E22/G02 F 440,000.00 ZZ 360 440,000.00 1 6.750 2,853.83 80 6.500 2,853.83 FORT COLLINS CO 80528 5 02/10/03 00 0415768530 03 04/01/03 0 0415768530 O 03/01/33 0 8443489 E22/G02 F 152,800.00 ZZ 360 152,800.00 1 6.625 978.40 90 6.375 978.40 RHINEBECK NY 12572 1 02/14/03 04 0415770056 05 04/01/03 25 0415770056 O 03/01/33 0 8443515 E22/G02 F 528,000.00 ZZ 360 528,000.00 1 6.875 3,468.58 58 6.625 3,468.58 FRIENDSWOOD TX 77546 5 02/10/03 00 0415865476 05 04/01/03 0 0415865476 O 03/01/33 0 8443521 E22/G02 F 234,000.00 ZZ 360 234,000.00 1 6.000 1,402.95 62 5.750 1,402.95 SAN JOSE CA 95122 2 02/04/03 00 0415884725 05 04/01/03 0 1 0415884725 O 03/01/33 0 8443541 E22/G02 F 172,000.00 ZZ 360 172,000.00 1 6.625 1,101.33 79 6.375 1,101.33 GRAND JUNCTION CO 81506 5 02/10/03 00 0415909662 03 04/01/03 0 0415909662 O 03/01/33 0 8443547 E22/G02 F 73,800.00 ZZ 360 73,800.00 1 7.125 497.20 90 6.875 497.20 ROANOKE VA 24012 5 02/06/03 10 0415921527 05 04/01/03 25 0415921527 O 03/01/33 0 8443549 E22/G02 F 195,000.00 ZZ 360 195,000.00 1 6.500 1,232.53 72 6.250 1,232.53 (MISSION HILLS) CA 91345 5 02/03/03 00 0415923580 05 04/01/03 0 0415923580 O 03/01/33 0 8443551 E22/G02 F 181,000.00 ZZ 360 181,000.00 1 5.875 1,070.68 70 5.625 1,070.68 FORT WORTH TX 76126 4 02/13/03 00 0415923853 05 04/01/03 0 0415923853 O 03/01/33 0 8443561 E22/G02 F 119,500.00 ZZ 360 119,500.00 1 6.000 716.46 80 5.750 716.46 PFLUGERVILLE TX 78660 5 02/07/03 00 0415949759 03 04/01/03 0 0415949759 O 03/01/33 0 1 8443573 E22/G02 F 112,500.00 ZZ 360 112,500.00 1 6.500 711.08 93 6.250 711.08 DURHAM NC 27704 2 02/10/03 10 0415964865 05 04/01/03 30 0415964865 O 03/01/33 0 8443575 E22/G02 F 388,000.00 ZZ 360 388,000.00 1 6.250 2,388.98 70 6.000 2,388.98 DALLAS TX 75225 5 02/10/03 00 0415976448 05 04/01/03 0 0415976448 O 03/01/33 0 8443587 E22/G02 F 360,000.00 ZZ 360 360,000.00 1 6.500 2,275.44 80 6.250 2,275.44 SCHAUMBURG IL 60160 5 02/11/03 00 0415987908 05 04/01/03 0 0415987908 O 03/01/33 0 8443599 E22/G02 F 120,000.00 ZZ 360 120,000.00 1 6.250 738.86 83 6.000 738.86 KNOXVILLE TN 37918 2 02/14/03 10 0415997378 05 04/01/03 12 0415997378 N 03/01/33 0 8443605 E22/G02 F 208,000.00 ZZ 360 208,000.00 1 6.125 1,263.83 80 5.875 1,263.83 MINDEN NV 89423 2 02/04/03 00 0416005718 03 04/01/03 0 0416005718 O 03/01/33 0 8443617 E22/G02 F 179,500.00 ZZ 360 179,500.00 1 6.375 1,119.85 79 6.125 1,119.85 1 JACKSON MI 49201 2 02/10/03 00 0416021459 05 04/01/03 0 0416021459 O 03/01/33 0 8443821 W02/G02 F 63,874.36 ZZ 360 63,818.00 1 6.625 409.00 74 6.375 409.00 ONEIDA TN 37841 2 01/27/03 00 0435435185 05 03/01/03 0 1001829850 O 02/01/33 0 8444557 940/G02 F 145,800.00 ZZ 360 145,800.00 1 6.750 945.66 90 6.500 945.66 VICTORVILLE CA 92392 5 02/10/03 10 0435421714 05 04/01/03 25 65020579 O 03/01/33 0 8444659 E82/G02 F 136,200.00 T 360 136,200.00 1 6.250 838.61 69 6.000 838.61 BURIEN WA 98168 2 02/14/03 00 0400785192 05 04/01/03 0 1772305 O 03/01/33 0 8444805 K15/G02 F 60,100.00 ZZ 360 60,100.00 1 7.125 404.90 52 6.875 404.90 BELMONT NH 03220 5 02/11/03 00 0435392634 05 04/01/03 0 033405511363 O 03/01/33 0 8444881 K15/G02 F 112,000.00 ZZ 360 112,000.00 1 6.625 717.15 70 6.375 717.15 GILMANTON IRON NH 03837 5 02/11/03 00 0435384862 05 04/01/03 0 033605510358 O 03/01/33 0 1 8445211 R26/G02 F 307,000.00 ZZ 360 307,000.00 1 6.125 1,865.36 79 5.875 1,865.36 GLENDORA CA 91741 2 02/10/03 00 0435378013 05 04/01/03 0 00005580000 O 03/01/33 0 8445213 R26/G02 F 170,000.00 ZZ 360 170,000.00 1 6.125 1,032.94 78 5.875 1,032.94 IRVINE CA 92618 5 02/07/03 00 0435377957 01 04/01/03 0 0004430000 O 03/01/33 0 8445315 Q73/G02 F 75,000.00 ZZ 360 75,000.00 1 6.000 449.66 80 5.750 449.66 FULTON MS 38843 5 02/03/03 00 0435424460 05 04/01/03 0 3024083 O 03/01/33 0 8445421 964/G02 F 70,000.00 ZZ 360 69,938.24 2 6.625 448.22 50 6.375 448.22 SOUTH PADRE ISL TX 78597 2 01/22/03 00 0435426788 05 03/01/03 0 334164 N 02/01/33 0 8445467 R84/G02 F 54,000.00 ZZ 360 54,000.00 1 6.750 350.24 90 6.500 350.24 SHELTON WA 98584 1 02/03/03 12 0435394655 05 04/01/03 25 WA301172 N 03/01/33 0 8445475 964/G02 F 176,000.00 ZZ 360 175,844.72 1 1 6.625 1,126.95 80 6.375 1,126.95 DENVER CO 80227 5 01/22/03 00 0435426747 05 03/01/03 0 326993 O 02/01/33 0 8445477 R84/G02 F 111,600.00 ZZ 360 111,600.00 1 6.500 705.39 80 6.250 705.39 TACOMA WA 98406 1 02/03/03 00 0435394184 05 04/01/03 0 WA112653 O 03/01/33 0 8445543 U05/G02 F 412,500.00 TX 360 412,117.95 1 6.375 2,573.46 75 6.125 2,573.46 BELLAIRE TX 77401 5 01/29/03 00 0435410758 05 03/01/03 0 3305136 O 02/01/33 0 8445575 U05/G02 F 420,000.00 ZZ 360 420,000.00 1 6.375 2,620.25 74 6.125 2,620.25 WALNUT CA 91789 5 02/04/03 00 0435393483 05 04/01/03 0 3310164 O 03/01/33 0 8445611 U05/G02 F 480,000.00 ZZ 360 479,555.42 1 6.375 2,994.58 79 6.125 2,994.58 BERKELEY CA 94703 2 01/27/03 00 0435396130 05 03/01/03 0 3303314 O 02/01/33 0 8445615 E57/G02 F 175,000.00 ZZ 360 175,000.00 1 6.000 1,049.21 68 5.750 1,049.21 LA MIRADA CA 90638 5 02/04/03 00 0435424403 05 04/01/03 0 1 06013663 O 03/01/33 0 8445645 758/G02 F 314,150.00 ZZ 360 313,866.01 1 6.500 1,985.64 78 6.250 1,985.64 HOUSTON TX 77007 2 01/23/03 00 0435434006 05 03/01/03 0 161101 O 02/01/33 0 8445655 A06/G02 F 163,200.00 ZZ 360 163,056.01 1 6.625 1,044.99 80 6.375 1,044.99 WALLED LAKE MI 48390 1 01/30/03 00 0435397195 01 03/01/03 0 1 O 02/01/33 0 8445693 X67/G02 F 233,750.00 ZZ 360 233,538.69 1 6.500 1,477.46 85 6.250 1,477.46 ONTARIO CA 91761 5 01/24/03 02 0435424429 05 03/01/03 12 00282425 O 02/01/33 0 8445899 830/G02 F 153,750.00 ZZ 360 153,607.60 1 6.375 959.20 83 6.125 959.20 HENDERSON NV 89012 5 01/25/03 14 0435392584 03 03/01/03 25 03010197 O 02/01/33 0 8446695 E82/G02 F 300,000.00 ZZ 360 300,000.00 1 6.500 1,896.20 80 6.250 1,896.20 STATEN ISLAND NY 10306 5 02/12/03 00 0400747473 05 04/01/03 0 0400747473 O 03/01/33 0 1 8446705 E82/G02 F 92,900.00 ZZ 360 92,900.00 2 6.375 579.58 69 6.125 579.58 BREMERTON WA 98312 2 02/11/03 00 0400747952 05 04/01/03 0 0400747952 N 03/01/33 0 8447451 A50/G02 F 150,000.00 ZZ 360 149,861.08 1 6.375 935.80 72 6.125 935.80 PENSACOLA FL 32507 2 01/21/03 00 0435382924 05 03/01/03 0 959314 O 02/01/33 0 8447579 758/G02 F 214,900.00 ZZ 360 214,691.13 1 6.125 1,305.76 78 5.875 1,305.76 HOUSTON TX 77095 2 01/27/03 00 0435409172 05 03/01/03 0 302461 O 02/01/33 0 8447791 U87/G02 F 299,000.00 ZZ 360 299,000.00 1 6.000 1,792.66 62 5.750 1,792.66 LAGUNA NIGUEL CA 92677 2 02/11/03 00 0435424494 03 04/01/03 0 6328 O 03/01/33 0 8447797 742/G02 F 75,000.00 ZZ 360 75,000.00 1 6.375 467.90 75 6.125 467.90 NORTH BELLMORE NY 11710 1 02/13/03 00 0435381660 05 04/01/03 0 5581905 O 03/01/33 0 8447821 E47/G02 F 204,500.00 ZZ 360 204,315.13 1 6.500 1,292.58 53 6.250 1,292.58 1 RIVA MD 21140 2 01/30/03 00 0435409412 09 03/01/03 0 7345510113 O 02/01/33 0 8448259 U05/G02 F 268,000.00 TX 360 268,000.00 1 6.500 1,693.94 80 6.250 1,693.94 FLOWER MOUND TX 75022 2 02/05/03 00 0435410667 03 04/01/03 0 3290389 O 03/01/33 0 8448273 U05/G02 F 322,700.00 ZZ 360 322,700.00 1 6.750 2,093.03 80 6.500 2,093.03 WOODLAND HILLS CA 91367 5 02/05/03 00 0435426929 05 04/01/03 0 3304823 O 03/01/33 0 8448445 E40/G02 F 279,900.00 ZZ 360 279,900.00 4 7.625 1,981.11 80 7.375 1,981.11 LOWELL MA 01854 1 02/13/03 00 0435427893 05 04/01/03 0 545000249 N 03/01/33 0 8448471 W08/G02 F 119,610.00 ZZ 360 119,509.52 1 6.875 785.75 90 6.625 785.75 MIAMI FL 33155 1 01/30/03 10 0435410642 01 03/01/03 30 022168MG N 02/01/33 0 8448725 Q14/G02 F 135,000.00 ZZ 360 135,000.00 1 6.375 842.22 90 6.125 842.22 MOUNT VERNON IA 52314 5 02/10/03 01 0435425921 05 04/01/03 25 000310992 O 03/01/33 0 1 8449187 P59/G02 F 234,000.00 T 360 234,000.00 1 6.250 1,440.78 68 6.000 1,440.78 VALENCIA CA 91355 2 02/06/03 00 0435418017 05 04/01/03 0 005371 O 03/01/33 0 8449231 L16/G02 F 81,500.00 ZZ 360 81,500.00 1 6.250 501.81 69 6.000 501.81 WASHINGTON TERR UT 84405 5 02/10/03 00 0435432109 05 04/01/03 0 8819 O 03/01/33 0 8449243 T08/G02 F 99,750.00 ZZ 360 99,650.70 1 6.000 598.05 80 5.750 598.05 ORLANDO FL 32810 1 01/21/03 00 0435380019 05 03/01/03 0 132016441 O 02/01/33 0 8449269 X71/G02 F 266,000.00 ZZ 360 265,330.00 1 6.000 1,594.80 79 5.750 1,594.80 GOODLETTSVILLE TN 37072 2 01/15/03 00 0435489745 05 03/01/03 0 7635265 O 02/01/33 0 8449367 W96/G02 F 86,500.00 T 360 86,350.52 1 6.250 532.60 53 6.000 532.60 JACKSONVILLE BE FL 32250 2 01/10/03 00 0435381397 05 03/01/03 0 22120490 O 02/01/33 0 8449421 T08/G02 F 126,500.00 ZZ 360 126,374.07 1 1 6.000 758.43 80 5.750 758.43 RIVERVIEW FL 33569 2 12/27/02 00 0435380399 05 03/01/03 0 11111005 O 02/01/33 0 8449575 X71/G02 F 299,600.00 ZZ 360 299,329.15 1 6.500 1,893.68 69 6.250 1,893.68 LAKE FOREST PAR WA 98155 5 02/27/03 00 0435473053 05 03/01/03 0 7566859 O 02/01/33 0 8449893 E22/G02 F 254,000.00 ZZ 360 254,000.00 1 6.375 1,584.63 80 6.125 1,584.63 HOWELL NJ 07731 1 02/18/03 00 0414570903 05 04/01/03 0 0414570903 O 03/01/33 0 8449971 E22/G02 F 75,500.00 ZZ 360 75,500.00 1 7.250 515.04 90 7.000 515.04 ST. LIBORY IL 62282 5 02/12/03 04 0415893585 05 04/01/03 25 0415893585 O 03/01/33 0 8450003 E22/G02 F 72,000.00 ZZ 360 72,000.00 1 7.250 491.17 90 7.000 491.17 STOCKTON UT 84071 5 02/10/03 04 0416034296 05 04/01/03 25 0416034296 O 03/01/33 0 8450007 E22/G02 F 118,350.00 ZZ 360 118,350.00 1 7.500 827.52 90 7.250 827.52 OGDEN UT 84403 1 02/12/03 04 0416037265 05 04/01/03 30 1 0416037265 O 03/01/33 0 8450043 E22/G02 F 98,600.00 ZZ 360 98,600.00 1 6.375 615.14 85 6.125 615.14 MOBILE AL 36695 1 02/18/03 04 0416121861 05 04/01/03 12 0416121861 O 03/01/33 0 8450059 E22/G02 F 60,000.00 ZZ 360 60,000.00 1 7.250 409.31 36 7.000 409.31 WEST PALM BEACH FL 33411 5 02/11/03 00 0416141331 05 04/01/03 0 0416141331 O 03/01/33 0 8450087 E22/G02 F 123,000.00 ZZ 240 123,000.00 1 5.875 872.36 80 5.625 872.36 CAPE CORAL FL 33904 2 02/12/03 00 0416076974 05 04/01/03 0 0416076974 O 03/01/23 0 8450095 E22/G02 F 95,000.00 ZZ 360 95,000.00 1 6.500 600.46 85 6.250 600.46 SALEM OR 97302 5 02/05/03 04 0416078574 05 04/01/03 12 0416078574 O 03/01/33 0 8450129 E22/G02 F 344,000.00 ZZ 360 344,000.00 1 6.750 2,231.18 75 6.500 2,231.18 OLD BRIDGE NJ 08857 5 02/10/03 00 0415993948 05 04/01/03 0 0415993948 O 03/01/33 0 1 8450173 E22/G02 F 149,000.00 ZZ 360 149,000.00 1 7.375 1,029.11 75 7.125 1,029.11 TOMS RIVER NJ 08753 5 02/11/03 00 0415998715 05 04/01/03 0 0415998715 O 03/01/33 0 8450199 E22/G02 F 265,000.00 ZZ 360 265,000.00 1 6.250 1,631.65 76 6.000 1,631.65 SONOMA CA 95476 2 01/30/03 00 0416007847 05 04/01/03 0 0416007847 O 03/01/33 0 8450207 E22/G02 F 61,750.00 ZZ 360 61,750.00 1 6.625 395.39 95 6.375 395.39 DURANGO CO 81301 1 02/17/03 10 0415947035 01 04/01/03 30 0415947035 O 03/01/33 0 8450223 E22/G02 F 395,000.00 ZZ 360 395,000.00 1 6.500 2,496.67 80 6.250 2,496.67 SAN JOSE CA 95132 2 02/05/03 00 0415961895 05 04/01/03 0 0415961895 O 03/01/33 0 8450231 E22/G02 F 39,750.00 ZZ 360 39,750.00 1 7.750 284.77 75 7.500 284.77 KEWANEE IL 61443 5 02/18/03 00 0415979160 05 04/01/03 0 0415979160 N 03/01/33 0 8450303 W93/G02 F 376,000.00 ZZ 360 376,000.00 1 6.250 2,315.10 80 6.000 2,315.10 1 CHULA VISTA CA 91915 5 02/06/03 00 0435419692 03 04/01/03 0 28425989 O 03/01/33 0 8450315 W93/G02 F 408,600.00 ZZ 360 408,212.30 1 6.250 2,515.82 73 6.000 2,515.82 SCOTTSDALE AZ 85260 5 01/27/03 00 0435421680 05 03/01/03 0 35436724 O 02/01/33 0 8450321 W93/G02 F 108,000.00 ZZ 360 108,000.00 1 6.500 682.64 80 6.250 682.64 PHOENIX AZ 85044 5 02/03/03 00 0435431432 03 04/01/03 0 35437504 O 03/01/33 0 8450325 W93/G02 F 336,000.00 ZZ 360 336,000.00 1 6.250 2,068.81 80 6.000 2,068.81 ATWATER CA 95301 5 02/03/03 00 0435423397 05 04/01/03 0 47448001 O 03/01/33 0 8450335 W93/G02 F 390,000.00 ZZ 360 390,000.00 1 6.250 2,401.30 67 6.000 2,401.30 SANTA ANA CA 92705 5 02/04/03 00 0435431440 05 04/01/03 0 67422971 O 03/01/33 0 8450337 W93/G02 F 368,500.00 ZZ 360 368,174.88 1 6.625 2,359.55 83 6.375 2,359.55 LAKEWOOD CA 90712 5 01/22/03 04 0435423363 03 03/01/03 12 67422854 O 02/01/33 0 1 8450355 W93/G02 F 360,000.00 ZZ 360 359,632.96 1 5.875 2,129.54 80 5.625 2,129.54 HACIENDA HEIGHT CA 91745 5 01/27/03 00 0435423231 05 03/01/03 0 67448685 O 02/01/33 0 8450365 W93/G02 F 355,600.00 ZZ 360 355,600.00 1 6.250 2,189.49 80 6.000 2,189.49 SAN DIEGO CA 92124 1 02/03/03 00 0435427125 05 04/01/03 0 86445943 O 03/01/33 0 8450371 W93/G02 F 255,500.00 ZZ 360 255,500.00 1 6.250 1,573.16 51 6.000 1,573.16 IRVINE CA 92620 1 02/04/03 00 0435419353 03 04/01/03 0 03403185 O 03/01/33 0 8450397 W93/G02 F 608,500.00 ZZ 360 607,908.58 1 6.125 3,697.31 80 5.875 3,697.31 MORGAN HILL CA 95037 2 01/27/03 00 0435425293 03 03/01/03 0 22431995 O 02/01/33 0 8450777 W68/G02 F 89,600.00 ZZ 360 89,600.00 1 6.875 588.61 80 6.625 588.61 DALLAS TX 75234 5 02/03/03 00 0435425699 05 04/01/03 0 34552 O 03/01/33 0 8450783 E82/G02 F 78,700.00 ZZ 360 78,700.00 2 1 6.625 503.92 75 6.375 503.92 BEECH GROVE IN 46107 2 02/20/03 00 0400775508 05 04/01/03 0 1727150 N 03/01/33 0 8450785 E82/G02 F 64,000.00 ZZ 360 64,000.00 1 6.500 404.52 79 6.250 404.52 SEBRING FL 33875 2 02/20/03 00 0400782173 05 04/01/03 0 4146687 O 03/01/33 0 8450831 U19/G02 F 175,000.00 ZZ 360 175,000.00 1 6.375 1,091.77 78 6.125 1,091.77 DENVER CO 80210 5 02/14/03 00 0435410238 05 04/01/03 0 15150004 O 03/01/33 0 8450833 U19/G02 F 180,000.00 ZZ 360 180,000.00 2 7.000 1,197.54 90 6.750 1,197.54 DENVER CO 80207 5 02/11/03 01 0435427950 05 04/01/03 25 33011129 O 03/01/33 0 8450839 U19/G02 F 164,000.00 ZZ 360 164,000.00 1 6.875 1,077.36 80 6.625 1,077.36 PLATTEVILLE CO 80651 5 02/07/03 00 0435427943 05 04/01/03 0 88141218 O 03/01/33 0 8450851 U19/G02 F 89,900.00 ZZ 360 89,900.00 1 6.375 560.86 50 6.125 560.86 ARVADA CO 80003 5 02/14/03 00 0435409644 05 04/01/03 0 1 88141232 O 03/01/33 0 8450931 Q66/G02 F 207,170.00 ZZ 360 207,170.00 2 6.500 1,309.46 70 6.250 1,309.46 MINNEAPOLIS MN 55409 2 02/17/03 00 0435410782 05 04/01/03 0 03B0006 N 03/01/33 0 8450941 Q66/G02 F 182,000.00 ZZ 360 182,000.00 2 6.875 1,195.61 62 6.625 1,195.61 MINNEAPOLIS MN 55409 5 02/17/03 00 0435432919 05 04/01/03 0 03B0009 N 03/01/33 0 8451137 A06/G02 F 147,200.00 ZZ 360 147,200.00 1 6.250 906.34 80 6.000 906.34 LIVONIA MI 48150 2 02/11/03 00 0435411640 05 04/01/03 0 021000020300331 O 03/01/33 0 8451139 W40/G02 F 123,500.00 ZZ 360 123,500.00 1 6.500 780.60 95 6.250 780.60 SURPRISE AZ 85379 5 02/13/03 10 0435418363 03 04/01/03 30 100017269 O 03/01/33 0 8451145 T29/G02 F 136,200.00 ZZ 360 136,082.74 1 6.750 883.39 80 6.500 883.39 PHOENIX AZ 85048 2 01/30/03 00 0435425897 03 03/01/03 0 1531247 N 02/01/33 0 1 8451179 U05/G02 F 375,000.00 ZZ 360 375,000.00 1 6.125 2,278.54 79 5.875 2,278.54 OAK PARK CA 91377 5 02/06/03 00 0435427703 05 04/01/03 0 3308362 O 03/01/33 0 8451181 940/G02 F 132,900.00 ZZ 360 132,900.00 1 7.000 884.19 95 6.750 884.19 YUCAIPA CA 92399 1 02/07/03 12 0435410527 03 04/01/03 30 40030116 O 03/01/33 0 8451375 U05/G02 F 140,000.00 ZZ 360 139,863.93 1 6.125 850.65 80 5.875 850.65 OREGON CITY OR 97045 5 01/28/03 00 0435419841 05 03/01/03 0 3299961 N 02/01/33 0 8451423 U05/G02 F 385,000.00 TX 240 385,000.00 1 6.500 2,870.46 73 6.250 2,870.46 ALAMO HEIGHTS TX 78209 5 02/05/03 00 0435429584 05 04/01/03 0 3310351 O 03/01/23 0 8451431 U05/G02 F 176,000.00 TX 360 176,000.00 1 6.375 1,098.01 75 6.125 1,098.01 FARMERS BRANCH TX 75244 5 02/03/03 00 0435422407 05 04/01/03 0 3308193 O 03/01/33 0 8451465 642/G02 F 92,000.00 ZZ 360 92,000.00 1 7.125 619.82 80 6.875 619.82 1 FOUNTAIN CO 80817 1 02/14/03 00 0435412200 05 04/01/03 0 01123603 N 03/01/33 0 8451499 K15/G02 F 142,500.00 ZZ 360 142,500.00 1 7.625 1,008.61 95 7.375 1,008.61 CHESAPEAKE VA 23323 5 02/05/03 41 0435419783 05 04/01/03 30 012305506404 O 03/01/33 0 8451535 K15/G02 F 150,000.00 ZZ 360 150,000.00 2 6.250 923.58 59 6.000 923.58 ATTLEBORO MA 02703 5 02/07/03 00 0435420757 05 04/01/03 0 024005509830 O 03/01/33 0 8451617 X67/G02 F 132,000.00 ZZ 360 132,000.00 1 6.500 834.33 78 6.250 834.33 RIALTO CA 92376 2 02/01/03 00 0435425996 05 04/01/03 0 00282673 O 03/01/33 0 8451739 758/G02 F 583,600.00 TX 360 583,600.00 1 6.250 3,593.33 77 6.000 3,593.33 BELLAIRE TX 77401 5 02/04/03 00 0435421425 05 04/01/03 0 102916 O 03/01/33 0 8451759 T29/G02 F 136,500.00 ZZ 360 136,382.47 1 6.750 885.34 80 6.500 885.34 PHOENIX AZ 85048 2 01/30/03 00 0435425970 03 03/01/03 0 1531248 N 02/01/33 0 1 8451785 P09/G02 F 178,400.00 ZZ 360 178,400.00 1 6.500 1,127.61 85 6.250 1,127.61 STAFFORD VA 22554 5 02/12/03 10 0435418314 05 04/01/03 25 03010255 O 03/01/33 0 8451813 Q59/G02 F 414,000.00 ZZ 360 414,000.00 1 6.500 2,616.76 77 6.250 2,616.76 HUNTINGTON BEAC CA 92646 2 01/31/03 00 0435438122 05 04/01/03 0 0000404233 O 03/01/33 0 8451817 G34/G02 F 194,000.00 ZZ 360 194,000.00 1 6.375 1,210.31 80 6.125 1,210.31 NORTH LAS VEGAS NV 89031 5 02/06/03 00 0435429451 03 04/01/03 0 77308011 O 03/01/33 0 8452175 Q14/G02 F 64,000.00 ZZ 360 64,000.00 1 6.375 399.28 80 6.125 399.28 MOLINE IL 61265 5 02/13/03 00 0435407341 05 04/01/03 0 0000311328 O 03/01/33 0 8452573 W08/G02 F 62,400.00 ZZ 360 62,400.00 1 6.000 374.12 80 5.750 374.12 MIAMI FL 33175 1 02/13/03 00 0435435375 01 04/01/03 0 02332MG O 03/01/33 0 8452653 E82/G02 F 172,600.00 ZZ 360 172,600.00 1 1 6.625 1,105.18 45 6.375 1,105.18 SAN JOSE CA 95132 2 02/17/03 00 0400781191 05 04/01/03 0 1860680 N 03/01/33 0 8452655 E82/G02 F 145,200.00 ZZ 360 145,200.00 1 6.625 929.73 41 6.375 929.73 SAN JOSE CA 95133 2 02/17/03 00 0400781233 05 04/01/03 0 1860692 N 03/01/33 0 8452663 E82/G02 F 359,200.00 ZZ 360 359,200.00 1 6.125 2,182.54 65 5.875 2,182.54 PALO ALTO CA 94303 2 02/13/03 00 0400775011 01 04/01/03 0 8269572 O 03/01/33 0 8452739 E82/G02 F 97,100.00 T 360 97,100.00 1 6.125 589.99 80 5.875 589.99 SCOTTSDALE AZ 85254 2 02/14/03 00 0400780219 01 04/01/03 0 1883107 O 03/01/33 0 8452769 E82/G02 F 39,500.00 ZZ 360 39,500.00 1 6.250 243.21 68 6.000 243.21 STARKVILLE MS 39759 2 02/13/03 00 0400782157 05 04/01/03 0 4098501 O 03/01/33 0 8452771 E82/G02 F 233,700.00 ZZ 360 233,700.00 1 6.750 1,515.77 37 6.500 1,515.77 SANTA CRUZ CA 95062 2 02/14/03 00 0400761680 05 04/01/03 0 1 1769127 N 03/01/33 0 8452781 E82/G02 F 170,500.00 ZZ 360 170,500.00 2 6.500 1,077.68 55 6.250 1,077.68 STATEN ISLAND NY 10306 2 02/13/03 00 0400736575 05 04/01/03 0 0400736575 O 03/01/33 0 8452897 M07/G02 F 400,000.00 ZZ 360 400,000.00 1 6.500 2,528.27 94 6.250 2,528.27 HIGHLAND CA 92346 1 02/06/03 10 0435409297 03 04/01/03 30 02301152 O 03/01/33 0 8452903 E22/G02 F 317,200.00 ZZ 360 317,200.00 1 6.750 2,057.35 70 6.500 2,057.35 SAN JOSE CA 95123 2 02/10/03 00 0415234764 05 04/01/03 0 0415234764 N 03/01/33 0 8452907 E22/G02 F 160,000.00 ZZ 360 160,000.00 4 7.750 1,146.26 64 7.500 1,146.26 BOISE ID 83709 2 02/12/03 00 0415401199 05 04/01/03 0 0415401199 N 03/01/33 0 8452911 E22/G02 F 559,000.00 ZZ 360 559,000.00 1 7.000 3,719.04 65 6.750 3,719.04 DUBLIN CA 94568 2 02/13/03 00 0415476225 03 04/01/03 0 0415476225 N 03/01/33 0 1 8452921 E22/G02 F 179,200.00 ZZ 360 179,200.00 1 6.250 1,103.37 80 6.000 1,103.37 MIAMI FL 33145 1 02/19/03 00 0415716521 05 04/01/03 0 0415716521 O 03/01/33 0 8452925 E22/G02 F 607,500.00 ZZ 360 607,500.00 1 6.125 3,691.23 75 5.875 3,691.23 DUBLIN CA 94568 1 02/04/03 00 0415744358 03 04/01/03 0 0415744358 O 03/01/33 0 8452927 E22/G02 F 148,000.00 ZZ 360 148,000.00 1 6.875 972.25 80 6.625 972.25 PLEASANT HILL MO 64080 5 02/13/03 00 0415811090 05 04/01/03 0 0415811090 O 03/01/33 0 8452929 E22/G02 F 398,000.00 ZZ 360 397,613.17 1 6.125 2,418.29 67 5.875 2,418.29 LOS ANGELES CA 90068 5 02/03/03 00 0415831932 05 03/01/03 0 0415831932 O 02/01/33 0 8452935 E22/G02 F 412,500.00 ZZ 360 412,500.00 1 6.125 2,506.39 75 5.875 2,506.39 RANCHO CUCAMONG CA 91737 5 02/04/03 00 0415852037 03 04/01/03 0 0415852037 O 03/01/33 0 8452937 E22/G02 F 126,400.00 ZZ 360 126,400.00 1 7.125 851.58 80 6.875 851.58 1 GLEN CARBON IL 62034 5 02/12/03 00 0415889328 05 04/01/03 0 0415889328 O 03/01/33 0 8452953 E22/G02 F 80,000.00 ZZ 360 80,000.00 1 6.500 505.65 70 6.250 505.65 ASHEVILLE NC 28801 5 02/13/03 00 0415920669 01 04/01/03 0 0415920669 O 03/01/33 0 8452955 E22/G02 F 125,500.00 ZZ 360 125,500.00 1 6.375 782.96 75 6.125 782.96 FORT COLLINS CO 80525 2 02/19/03 00 0415930239 01 04/01/03 0 0415930239 N 03/01/33 0 8452959 E22/G02 F 217,500.00 ZZ 360 217,500.00 1 6.000 1,304.02 80 5.750 1,304.02 GREENACRES FL 33463 1 02/19/03 00 0415948306 03 04/01/03 0 0415948306 O 03/01/33 0 8452969 E22/G02 F 379,000.00 ZZ 360 379,000.00 1 6.500 2,395.54 35 6.250 2,395.54 CEDAR HILL TX 75104 5 02/13/03 00 0415954551 03 04/01/03 0 0415954551 O 03/01/33 0 8452993 E22/G02 F 66,400.00 ZZ 360 66,400.00 1 6.500 419.69 80 6.250 419.69 MARION NC 28752 1 02/19/03 00 0415990951 05 04/01/03 0 0415990951 O 03/01/33 0 1 8453003 E22/G02 F 88,900.00 ZZ 360 88,900.00 1 6.375 554.62 59 6.125 554.62 MAYETTA KS 66509 5 02/13/03 00 0415993773 05 04/01/03 0 0415993773 O 03/01/33 0 8453011 E22/G02 F 192,000.00 ZZ 360 192,000.00 1 6.250 1,182.18 80 6.000 1,182.18 (L.A.)GRANADA H CA 91344 5 02/07/03 00 0416001196 01 04/01/03 0 0416001196 O 03/01/33 0 8453033 E22/G02 F 208,500.00 ZZ 360 208,500.00 1 6.500 1,317.86 75 6.250 1,317.86 FORT COLLINS CO 80521 2 02/13/03 00 0416014819 05 04/01/03 0 0416014819 O 03/01/33 0 8453059 E22/G02 F 205,000.00 ZZ 360 205,000.00 1 6.250 1,262.22 75 6.000 1,262.22 CAMERON PARK CA 95682 5 02/11/03 00 0416105948 05 04/01/03 0 0416105948 O 03/01/33 0 8453067 E22/G02 F 330,800.00 ZZ 360 330,800.00 1 6.375 2,063.76 80 6.125 2,063.76 HOOVER AL 35244 1 02/19/03 00 0416111607 05 04/01/03 0 0416111607 O 03/01/33 0 8453091 E22/G02 F 145,000.00 ZZ 360 145,000.00 4 1 7.750 1,038.80 58 7.500 1,038.80 BOISE ID 83709 5 02/14/03 00 0416037273 05 04/01/03 0 0416037273 N 03/01/33 0 8453099 E22/G02 F 144,000.00 ZZ 360 144,000.00 1 6.375 898.37 80 6.125 898.37 WEST VALLEY CIT UT 84120 2 02/11/03 00 0416050557 05 04/01/03 0 0416050557 N 03/01/33 0 8453127 E22/G02 F 151,200.00 T 360 151,200.00 1 6.125 918.71 80 5.875 918.71 PIEDMONT SC 29673 1 02/19/03 00 0416134286 05 04/01/03 0 0416134286 O 03/01/33 0 8453145 E22/G02 F 256,000.00 ZZ 360 256,000.00 1 6.250 1,576.24 80 6.000 1,576.24 PLANO TX 75093 5 02/13/03 00 0416146512 03 04/01/03 0 0416146512 O 03/01/33 0 8453147 E22/G02 F 155,500.00 ZZ 360 155,500.00 1 6.125 944.83 89 5.875 944.83 FEDERAL WAY WA 98003 5 02/10/03 04 0416148856 05 04/01/03 25 0416148856 O 03/01/33 0 8453155 E22/G02 F 59,200.00 ZZ 360 59,200.00 1 7.500 413.93 80 7.250 413.93 HOUSTON TX 77045 1 02/19/03 00 0416166031 05 04/01/03 0 1 0416166031 N 03/01/33 0 8453157 E22/G02 F 62,320.00 ZZ 360 62,320.00 1 7.500 435.75 80 7.250 435.75 HOUSTON TX 77045 1 02/19/03 00 0416166114 05 04/01/03 0 0416166114 N 03/01/33 0 8453159 E22/G02 F 108,000.00 ZZ 360 108,000.00 1 6.500 682.63 80 6.250 682.63 SACRAMENTO CA 95838 5 02/11/03 00 0416168227 05 04/01/03 0 0416168227 O 03/01/33 0 8453169 E22/G02 F 120,000.00 ZZ 360 120,000.00 1 6.375 748.64 79 6.125 748.64 WATERFORD MI 48328 1 02/19/03 00 0416227296 05 04/01/03 0 0416227296 O 03/01/33 0 8454135 W68/G02 F 344,000.00 ZZ 360 343,665.65 1 6.125 2,090.18 80 5.875 2,090.18 SAN DIEGO CA 92128 1 01/27/03 00 0435426408 05 03/01/03 0 35399 O 02/01/33 0 8454275 K15/G02 F 184,000.00 ZZ 360 184,000.00 1 6.875 1,208.75 80 6.625 1,208.75 CARSON CITY NV 89706 5 02/08/03 41 0435426507 05 04/01/03 12 022105509803 O 03/01/33 0 1 8454571 B98/G02 F 260,000.00 ZZ 360 260,000.00 1 6.250 1,600.86 78 6.000 1,600.86 SAN JOSE CA 95132 5 01/29/03 00 0435421995 09 04/01/03 0 HY212007WC O 03/01/33 0 8454611 A46/G02 F 103,000.00 ZZ 360 103,000.00 1 6.375 642.59 61 6.125 642.59 ALBUQUERQUE NM 87114 5 02/07/03 00 0435424874 05 04/01/03 0 0458733 O 03/01/33 0 8454733 U05/G02 F 144,400.00 ZZ 360 144,400.00 1 6.500 912.71 95 6.250 912.71 KNOXVILLE TN 37931 5 02/04/03 10 0435422837 05 04/01/03 30 3299754 O 03/01/33 0 8454735 N74/G02 F 180,500.00 T 360 180,500.00 1 6.875 1,185.76 95 6.625 1,185.76 CHARLOTTE NC 28269 2 02/12/03 01 0435484365 05 04/01/03 30 0031700010 O 03/01/33 0 8454743 642/G02 F 170,000.00 ZZ 360 170,000.00 1 7.250 1,159.70 80 7.000 1,159.70 LANCASTER PA 17601 5 02/12/03 00 0435421565 05 04/01/03 0 02113103 O 03/01/33 0 8454817 N74/G02 F 152,000.00 ZZ 360 151,855.78 1 6.250 935.89 65 6.000 935.89 1 SPRINGFIELD VA 22153 5 02/13/03 00 0435421391 05 03/19/03 0 0031716010 O 02/19/33 0 8454869 758/G02 F 500,000.00 ZZ 360 500,000.00 1 6.250 3,078.59 65 6.000 3,078.59 HOUSTON TX 77024 5 02/12/03 00 0435448410 03 04/01/03 0 102934 O 03/01/33 0 8454877 W84/G02 F 148,500.00 ZZ 360 148,372.14 1 6.750 963.17 75 6.500 963.17 SALT LAKE CITY UT 84105 5 01/31/03 00 0435421706 05 03/01/03 0 10057365 N 02/01/33 0 8454971 W77/G02 F 78,650.00 TX 360 78,650.00 1 7.625 556.68 65 7.375 556.68 HOUSTON TX 77072 5 02/04/03 00 0435452719 05 04/01/03 0 W0301015 O 03/01/33 0 8454973 W39/G02 F 86,068.00 ZZ 360 86,068.00 2 7.250 587.14 80 7.000 587.14 EL PASO TX 79936 1 02/14/03 00 0435432786 05 04/01/03 0 PNE30020 N 03/01/33 0 8455083 R84/G02 F 399,500.00 ZZ 360 399,500.00 1 6.250 2,459.79 75 6.000 2,459.79 HOUSTON TX 77096 5 02/07/03 00 0435429212 05 04/01/03 0 0664105 O 03/01/33 0 1 8456575 G34/G02 F 67,100.00 ZZ 360 67,100.00 1 6.750 435.21 48 6.500 435.21 LAS VEGAS NV 89108 2 02/13/03 00 0435428396 09 04/01/03 0 7730314 N 03/01/33 0 8456577 X51/G02 F 443,000.00 ZZ 360 443,000.00 1 6.050 2,670.27 69 5.800 2,670.27 LOS ALAMITOS CA 90720 5 02/12/03 00 0435418975 05 04/01/03 0 030109001 O 03/01/33 0 8456603 A06/G02 F 86,500.00 ZZ 360 86,500.00 1 6.125 525.59 76 5.875 525.59 DETROIT MI 48228 2 02/12/03 00 0435471396 05 04/01/03 0 1 O 03/01/33 0 8456621 P59/G02 F 53,550.00 ZZ 360 53,505.01 1 6.875 351.79 90 6.625 351.79 LANCASTER CA 93536 1 01/30/03 01 0435428719 01 03/01/03 25 AT005276 N 02/01/33 0 8456719 408/G02 F 64,000.00 ZZ 360 63,953.68 1 7.625 452.99 80 7.375 452.99 BLUE SPRINGS MO 64015 5 02/04/03 00 0435419700 05 03/01/03 0 703033007 N 02/01/33 0 8456819 P09/G02 F 138,000.00 ZZ 360 138,000.00 1 1 6.125 838.50 79 5.875 838.50 ELKTON MD 21921 2 02/14/03 00 0435425111 05 04/01/03 0 03010115 O 03/01/33 0 8456823 P09/G02 F 222,000.00 ZZ 360 222,000.00 1 6.250 1,366.89 77 6.000 1,366.89 MECHANICSVILLE MD 20659 2 02/11/03 00 0435422555 05 04/01/03 0 MUNSHAW O 03/01/33 0 8456847 964/G02 F 225,000.00 ZZ 360 225,000.00 1 6.000 1,348.99 75 5.750 1,348.99 TORRANCE CA 90278 5 02/04/03 00 0435438783 01 04/01/03 0 301522 O 03/01/33 0 8456855 964/G02 F 71,200.00 ZZ 360 71,200.00 1 6.875 467.73 80 6.625 467.73 ROSEBURG OR 97470 5 02/04/03 00 0435443353 05 04/01/03 0 313139 N 03/01/33 0 8456857 964/G02 F 185,000.00 ZZ 360 184,852.06 1 7.125 1,246.38 55 6.875 1,246.38 SAN LEANDRO CA 94579 5 01/21/03 00 0435443312 05 03/01/03 0 313178 N 02/01/33 0 8456859 964/G02 F 255,500.00 ZZ 360 255,500.00 1 6.125 1,552.45 25 5.875 1,552.45 SAN FRANCISCO CA 94118 2 02/03/03 00 0435439633 05 04/01/03 0 1 313189 O 03/01/33 0 8456905 964/G02 F 85,000.00 ZZ 360 85,000.00 1 5.875 502.81 25 5.625 502.81 DAYTON OR 97114 2 02/04/03 00 0435443452 05 04/01/03 0 319943 O 03/01/33 0 8456915 964/G02 F 275,000.00 ZZ 360 275,000.00 1 6.250 1,693.22 76 6.000 1,693.22 RENO NV 89509 2 02/03/03 00 0435442892 03 04/01/03 0 321611 O 03/01/33 0 8456923 964/G02 F 91,500.00 ZZ 360 91,500.00 1 6.625 585.88 75 6.375 585.88 WELLINGTON NV 89444 5 02/05/03 00 0435441977 05 04/01/03 0 322885 O 03/01/33 0 8456927 964/G02 F 288,750.00 ZZ 360 288,750.00 1 6.000 1,731.20 75 5.750 1,731.20 CHATSWORTH (ARE CA 91311 5 02/05/03 00 0435442371 05 04/01/03 0 324191 O 03/01/33 0 8456939 964/G02 F 322,700.00 ZZ 360 322,700.00 1 6.125 1,960.76 44 5.875 1,960.76 LOS ALTOS CA 94024 2 01/29/03 00 0435441720 05 04/01/03 0 325753 O 03/01/33 0 1 8456961 964/G02 F 150,400.00 ZZ 360 150,400.00 2 6.625 963.03 80 6.375 963.03 PORTLAND OR 97202 5 02/06/03 00 0435443114 05 04/01/03 0 328357 N 03/01/33 0 8456963 964/G02 F 148,300.00 ZZ 360 148,300.00 2 6.625 949.58 79 6.375 949.58 PORTLAND OR 97202 5 02/06/03 00 0435444906 05 04/01/03 0 328360 N 03/01/33 0 8456971 964/G02 F 300,000.00 ZZ 360 300,000.00 1 6.250 1,847.15 47 6.000 1,847.15 SAN JOSE CA 95132 5 01/29/03 00 0435437801 05 04/01/03 0 328753 O 03/01/33 0 8456973 964/G02 F 256,000.00 ZZ 360 256,000.00 1 5.875 1,514.34 68 5.625 1,514.34 WALNUT CA 91789 2 02/03/03 00 0435441993 05 04/01/03 0 328776 O 03/01/33 0 8457005 964/G02 F 300,000.00 ZZ 360 300,000.00 1 6.125 1,822.83 64 5.875 1,822.83 SAN FRANCISCO CA 94112 2 02/07/03 00 0435442454 05 04/01/03 0 330662 O 03/01/33 0 8457009 964/G02 F 254,500.00 ZZ 360 254,500.00 1 6.000 1,525.86 68 5.750 1,525.86 1 HERCULES CA 94547 2 02/06/03 00 0435443411 01 04/01/03 0 331158 O 03/01/33 0 8457011 964/G02 F 270,000.00 ZZ 360 270,000.00 1 6.000 1,618.79 72 5.750 1,618.79 LOOMIS CA 95650 5 01/31/03 00 0435441688 05 04/01/03 0 331295 O 03/01/33 0 8457019 964/G02 F 637,000.00 ZZ 360 637,000.00 4 6.750 4,131.57 65 6.500 4,131.57 MOUNTAIN VIEW CA 94040 2 02/04/03 00 0435438858 05 04/01/03 0 332434 N 03/01/33 0 8457033 964/G02 F 238,000.00 ZZ 360 238,000.00 1 6.750 1,543.66 70 6.500 1,543.66 CONCORD CA 94521 2 02/05/03 00 0435443262 05 04/01/03 0 332919 N 03/01/33 0 8457041 964/G02 F 361,700.00 ZZ 360 361,700.00 1 6.625 2,316.01 75 6.375 2,316.01 HUNTINGTON BEAC CA 92646 2 02/04/03 00 0435439757 05 04/01/03 0 333466 N 03/01/33 0 8457053 964/G02 F 550,000.00 ZZ 360 550,000.00 1 6.500 3,476.38 75 6.250 3,476.38 LONG BEACH CA 90814 5 02/06/03 00 0435442736 05 04/01/03 0 336082 O 03/01/33 0 1 8457055 964/G02 F 149,200.00 ZZ 360 149,200.00 1 6.750 967.71 29 6.500 967.71 SAN FRANCISCO CA 94112 2 02/04/03 00 0435436472 05 04/01/03 0 336276 N 03/01/33 0 8457065 964/G02 F 300,000.00 ZZ 360 300,000.00 1 6.000 1,798.65 80 5.750 1,798.65 CLARKSBURG CA 95612 5 01/31/03 00 0435440813 05 04/01/03 0 337508 O 03/01/33 0 8457071 964/G02 F 304,000.00 ZZ 360 304,000.00 1 6.000 1,822.63 78 5.750 1,822.63 CITRUS HEIGHTS CA 95610 2 01/31/03 00 0435442462 05 04/01/03 0 338651 O 03/01/33 0 8457135 168/168 F 1,000,000.00 ZZ 360 1,000,000.00 1 6.750 6,485.98 52 6.500 6,485.98 COLD SPRINGS HA NY 11724 5 01/30/03 00 0089968409 05 04/01/03 0 0089968409 O 03/01/33 0 8457177 168/168 F 76,400.00 ZZ 360 76,334.22 1 6.750 495.53 51 6.500 495.53 CLIFTON PARK NY 12065 2 01/17/03 00 0089896971 05 03/01/03 0 0089896971 O 02/01/33 0 8457353 286/286 F 400,000.00 ZZ 360 396,242.71 1 1 6.875 2,627.72 80 6.625 2,627.72 LOS ANGELES CA 90036 2 11/07/02 00 1638519 05 01/01/03 0 1638519 O 12/01/32 0 8457357 286/286 F 99,750.00 ZZ 360 99,564.73 1 6.375 622.31 80 6.125 622.31 LITCHFIELD PARK AZ 85340 1 12/12/02 00 1885736 05 02/01/03 0 1885736 N 01/01/33 0 8457361 286/286 F 372,000.00 ZZ 360 370,935.56 1 6.250 2,290.47 80 6.000 2,290.47 ESCONDIDO CA 92029 1 11/04/02 00 1737723 05 01/01/03 0 1737723 O 12/01/32 0 8457367 286/286 F 96,000.00 ZZ 360 95,738.22 1 6.500 606.79 80 6.250 606.79 CURTIS BAY MD 21226 1 11/25/02 00 1744168 01 01/01/03 0 1744168 N 12/01/32 0 8457369 286/286 F 70,500.00 ZZ 360 70,307.76 1 6.500 445.61 67 6.250 445.61 ST GEORGE UT 84770 2 11/12/02 00 1699693 03 01/01/03 0 1699693 N 12/01/32 0 8457371 286/286 F 190,400.00 ZZ 360 189,986.97 2 6.375 1,187.85 80 6.125 1,187.85 PROVIDENCE RI 02904 1 12/12/02 00 1873315 05 02/01/03 0 1 1873315 O 01/01/33 0 8457373 286/286 F 105,000.00 ZZ 360 104,713.67 2 6.500 663.68 70 6.250 663.68 ST GEORGE UT 84770 2 11/12/02 00 1699753 05 01/01/03 0 1699753 N 12/01/32 0 8457377 286/286 F 332,000.00 ZZ 360 331,050.01 1 6.250 2,044.19 80 6.000 2,044.19 KAILUA HI 96734 5 11/21/02 00 1582486 05 01/01/03 0 1582486 O 12/01/32 0 8457379 286/286 F 375,000.00 ZZ 360 373,874.43 1 6.000 2,248.32 43 5.750 2,248.32 COHASSET MA 02025 2 11/07/02 00 1635689 05 01/01/03 0 1635689 O 12/01/32 0 8457387 286/286 F 53,000.00 ZZ 360 52,901.54 1 6.375 330.66 46 6.125 330.66 NICHOLASVILLE KY 40356 2 12/03/02 00 1708254 05 02/01/03 0 1708254 N 01/01/33 0 8457393 286/286 F 109,600.00 ZZ 360 109,308.27 1 6.625 701.79 80 6.375 701.79 MESA AZ 85213 5 11/18/02 00 1735428 03 01/01/03 0 1735428 N 12/01/32 0 1 8457405 286/286 F 89,250.00 ZZ 360 89,095.89 1 6.750 578.87 75 6.500 578.87 PHOENIX AZ 85037 5 12/09/02 00 1762333 05 02/01/03 0 1762333 N 01/01/33 0 8457407 286/286 F 284,000.00 ZZ 360 283,206.65 1 6.375 1,771.80 52 6.125 1,771.80 MORGAN HILL CA 95037 2 11/18/02 00 1684428 05 01/01/03 0 1684428 O 12/01/32 0 8457409 286/286 F 200,000.00 ZZ 360 199,326.94 1 6.375 1,247.74 42 6.125 1,247.74 COVENTRY RI 02816 5 12/16/02 00 1831673 05 02/01/03 0 1831673 O 01/01/33 0 8457411 286/286 F 396,800.00 ZZ 360 395,794.15 1 6.875 2,606.70 80 6.625 2,606.70 NORTH BARRINGTO IL 60010 1 11/22/02 00 1736428 05 01/01/03 0 1736428 O 12/01/32 0 8457417 286/286 F 106,800.00 ZZ 360 106,063.15 1 6.375 666.29 80 6.125 666.29 CHANDLER AZ 85225 1 10/28/02 00 1687158 05 12/01/02 0 1687158 N 11/01/32 0 8457421 286/286 F 98,400.00 ZZ 360 98,129.22 1 6.875 646.42 79 6.625 646.42 1 PLAINFIELD IN 46168 2 11/19/02 00 1750247 05 01/01/03 0 1750247 O 12/01/32 0 8457427 286/286 F 65,000.00 ZZ 360 64,850.71 3 7.375 448.94 77 7.125 448.94 BRIDGEPORT CT 06608 1 11/19/02 00 1730977 05 01/01/03 0 1730977 N 12/01/32 0 8457429 286/286 F 99,750.00 ZZ 360 99,564.73 1 6.375 622.31 80 6.125 622.31 LITCHFIELD PARK AZ 85340 1 12/10/02 00 1867342 03 02/01/03 0 1867342 N 01/01/33 0 8457443 286/286 F 227,000.00 ZZ 360 226,350.46 1 6.250 1,397.68 61 6.000 1,397.68 CHARLOTTE NC 28207 2 11/26/02 00 1708247 05 01/01/03 0 1708247 N 12/01/32 0 8457445 286/286 F 360,000.00 ZZ 360 358,994.36 1 6.375 2,245.94 80 6.125 2,245.94 WHITTIER CA 90601 5 11/19/02 00 1797343 05 01/01/03 0 1797343 O 12/01/32 0 8457455 286/286 F 70,200.00 ZZ 360 70,030.55 1 7.125 472.96 90 6.875 472.96 CASA GRANDE AZ 85222 1 11/26/02 10 1735892 05 01/01/03 25 1735892 N 12/01/32 0 1 8457457 286/286 F 499,950.00 ZZ 360 498,213.61 1 6.750 3,242.67 75 6.500 3,242.67 COROLLA NC 27927 2 10/30/02 00 0001251019 05 12/01/02 0 0001251019 N 11/01/32 0 8457459 286/286 F 370,000.00 ZZ 360 368,915.63 1 6.125 2,248.16 74 5.875 2,248.16 LOS ALAMITOS CA 90720 5 11/14/02 00 1617798 05 01/01/03 0 1617798 O 12/01/32 0 8457463 286/286 F 400,000.00 ZZ 360 399,309.26 4 6.750 2,594.40 69 6.500 2,594.40 CONCORD CA 94519 1 12/06/02 00 1815027 05 02/01/03 0 1815027 N 01/01/33 0 8457465 286/286 F 336,000.00 ZZ 360 335,433.80 1 6.875 2,207.29 80 6.625 2,207.29 TEMECULA CA 92592 5 12/17/02 00 1763859 03 02/01/03 0 1763859 O 01/01/33 0 8457471 286/286 F 276,150.00 ZZ 360 275,432.68 1 6.750 1,791.11 85 6.500 1,791.11 SANTA CLARITA CA 91355 1 11/18/02 11 1761244 05 01/01/03 12 1761244 N 12/01/32 0 8457483 286/286 F 276,000.00 ZZ 360 275,474.88 1 1 6.250 1,699.38 80 6.000 1,699.38 CERRILLOS NM 87010 1 12/20/02 00 1885533 05 02/01/03 0 1885533 O 01/01/33 0 8457507 286/286 F 64,000.00 ZZ 360 63,904.70 1 7.500 447.50 80 7.250 447.50 KEYES CA 95328 1 12/17/02 00 1784803 05 02/01/03 0 1784803 N 01/01/33 0 8457509 286/286 F 288,000.00 ZZ 360 287,477.87 1 6.500 1,820.36 80 6.250 1,820.36 SAN DIEGO CA 92126 5 12/02/02 00 1753790 05 02/01/03 0 1753790 O 01/01/33 0 8457519 286/286 F 375,000.00 ZZ 360 374,320.14 1 6.500 2,370.26 60 6.250 2,370.26 BETHESDA MD 20816 1 12/02/02 00 0001251272 05 02/01/03 0 0001251272 N 01/01/33 0 8457521 286/286 F 105,600.00 ZZ 360 105,305.01 1 6.375 658.81 80 6.125 658.81 TACOMA WA 98409 1 12/03/02 00 1654890 05 01/01/03 0 1654890 O 12/01/32 0 8457529 286/286 F 108,900.00 ZZ 360 108,711.94 1 6.750 706.33 90 6.500 706.33 ST GEORGE UT 84770 1 12/20/02 14 1879576 01 02/01/03 25 1 1879576 N 01/01/33 0 8457535 L76/G02 F 193,000.00 ZZ 360 193,000.00 1 5.750 1,126.30 80 5.500 1,126.30 WACONIA MN 55387 5 02/10/03 00 0435427596 05 04/01/03 0 9507548 O 03/01/33 0 8457539 286/286 F 276,000.00 ZZ 360 275,487.36 1 6.375 1,721.89 73 6.125 1,721.89 VENTURA CA 93003 5 11/25/02 00 1703698 05 02/01/03 0 1703698 O 01/01/33 0 8457551 286/286 F 330,000.00 ZZ 360 329,387.07 1 6.375 2,058.78 60 6.125 2,058.78 RIVERSIDE CA 92506 2 12/16/02 00 1857288 05 02/01/03 0 1857288 O 01/01/33 0 8457553 286/286 F 67,800.00 ZZ 360 67,691.22 1 7.125 456.79 73 6.875 456.79 BLOOMINGTON IN 47404 2 12/06/02 00 1827465 01 02/01/03 0 1827465 N 01/01/33 0 8457555 286/286 F 81,000.00 ZZ 360 80,813.94 4 7.375 559.45 90 7.125 559.45 INDIANAPOLIS IN 46222 1 11/20/02 11 1752804 05 01/01/03 25 1752804 N 12/01/32 0 1 8457561 286/286 F 284,000.00 ZZ 360 283,071.44 1 6.375 1,771.80 80 6.125 1,771.80 OXNARD CA 93030 5 12/11/02 00 1854047 05 02/01/03 0 1854047 O 01/01/33 0 8457573 286/286 F 199,500.00 ZZ 360 199,202.95 3 7.500 1,394.94 70 7.250 1,394.94 STOCKTON CA 95207 5 12/10/02 00 1755630 05 02/01/03 0 1755630 N 01/01/33 0 8457611 286/286 F 78,750.00 ZZ 360 78,614.00 1 6.750 510.78 90 6.500 510.78 NEW ORLEANS LA 70122 1 12/16/02 11 1867107 05 02/01/03 25 1867107 N 01/01/33 0 8457613 286/286 F 211,900.00 ZZ 360 211,506.42 1 6.375 1,321.99 80 6.125 1,321.99 LODI CA 95242 5 12/13/02 00 1594868 05 02/01/03 0 1594868 O 01/01/33 0 8457615 286/286 F 300,000.00 ZZ 360 299,161.98 1 6.375 1,871.61 76 6.125 1,871.61 ROSEVILLE CA 95661 1 11/25/02 00 1632099 05 01/01/03 0 1632099 O 12/01/32 0 8457617 286/286 F 52,000.00 ZZ 360 51,922.56 1 7.500 363.60 80 7.250 363.60 1 INDIANAOPOLIS IN 46218 2 12/06/02 00 1818500 05 02/01/03 0 1818500 N 01/01/33 0 8457619 286/286 F 52,000.00 ZZ 360 51,922.56 1 7.500 363.60 80 7.250 363.60 INDIANAPOLIS IN 46203 2 12/06/02 00 1818501 05 02/01/03 0 1818501 N 01/01/33 0 8457621 286/286 F 56,000.00 ZZ 360 55,916.60 1 7.500 391.57 80 7.250 391.57 INDIANAPOLIS IN 46218 2 12/06/02 00 1818502 05 02/01/03 0 1818502 N 01/01/33 0 8457623 286/286 F 328,000.00 ZZ 360 327,486.71 1 7.250 2,237.54 80 7.000 2,237.54 HURRICANE UT 84737 5 12/06/02 00 1749963 05 02/01/03 0 1749963 O 01/01/33 0 8457643 286/286 F 105,000.00 ZZ 360 104,827.36 2 7.000 698.57 68 6.750 698.57 OAKLAND PARK FL 33334 1 12/13/02 00 1849755 05 02/01/03 0 1849755 N 01/01/33 0 8457645 286/286 F 105,000.00 ZZ 360 104,827.36 2 7.000 698.57 68 6.750 698.57 OAKLAND PARK FL 33334 1 12/13/02 00 1849802 05 02/01/03 0 1849802 N 01/01/33 0 1 8457653 286/286 F 90,000.00 ZZ 360 89,644.69 1 7.250 613.96 75 7.000 613.96 SILVER SPRING MD 20910 5 09/25/02 00 1550624 01 11/01/02 0 1550624 N 10/01/32 0 8457657 286/286 F 200,000.00 ZZ 360 198,481.73 1 6.625 1,280.63 61 6.375 1,280.63 HINGHAM MA 02043 5 06/26/02 00 1371068 05 08/01/02 0 1371068 O 07/01/32 0 8457659 286/286 F 142,200.00 ZZ 360 141,942.18 4 6.500 898.81 90 6.250 898.81 HUMBLE TX 77338 1 12/23/02 11 1905017 03 02/01/03 25 1905017 N 01/01/33 0 8457663 286/286 F 95,942.00 ZZ 360 95,759.44 1 6.250 590.74 90 6.000 590.74 AUSTIN TX 78749 1 12/03/02 11 1791212 05 02/01/03 25 1791212 N 01/01/33 0 8457667 286/286 F 363,800.00 ZZ 360 363,107.82 1 6.250 2,239.98 85 6.000 2,239.98 EDEN PRAIRIE MN 55346 2 12/06/02 12 1779723 05 02/01/03 25 1779723 O 01/01/33 0 8457673 286/286 F 85,050.00 ZZ 360 83,566.15 1 1 7.500 594.69 90 7.250 594.69 BLOOMINGTON IL 61701 1 04/30/01 10 367229 05 06/01/01 25 367229 N 05/01/31 0 8457675 286/286 F 364,500.00 ZZ 360 363,481.80 1 6.375 2,274.01 90 6.125 2,274.01 GLENDALE CA 91207 5 11/15/02 12 1707105 05 01/01/03 25 1707105 O 12/01/32 0 8457679 U85/G02 F 75,000.00 ZZ 360 74,873.62 1 6.875 492.70 62 6.625 492.70 HARSHAW WI 54529 2 12/27/02 00 0435425822 05 02/01/03 0 100133 N 01/01/33 0 8457681 286/286 F 258,500.00 ZZ 360 257,777.89 1 6.375 1,612.71 80 6.125 1,612.71 CAVE CREEK AZ 85331 2 11/25/02 00 1784059 05 01/01/03 0 1784059 O 12/01/32 0 8457693 286/286 F 66,000.00 ZZ 360 65,811.13 1 6.250 406.38 49 6.000 406.38 LAS VEGAS NV 89121 2 11/08/02 00 1687063 05 01/01/03 0 1687063 O 12/01/32 0 8457705 286/286 F 328,500.00 ZZ 360 327,582.35 1 6.375 2,049.42 90 6.125 2,049.42 VISTA CA 92084 2 11/21/02 11 1818189 03 01/01/03 25 1 1818189 O 12/01/32 0 8457711 286/286 F 437,750.00 ZZ 360 436,956.39 1 6.500 2,766.88 85 6.250 2,766.88 GIG HARBOR WA 98332 1 12/06/02 10 1785954 03 02/01/03 12 1785954 O 01/01/33 0 8457717 286/286 F 328,000.00 ZZ 360 327,360.77 1 6.125 1,992.97 80 5.875 1,992.97 DIAMOND BAR CA 91765 5 12/06/02 00 1638625 05 02/01/03 0 1638625 O 01/01/33 0 8457729 286/286 F 55,800.00 ZZ 360 55,716.90 2 7.500 390.17 90 7.250 390.17 DETROIT MI 48209 1 12/20/02 21 1818433 05 02/01/03 25 1818433 N 01/01/33 0 8457731 286/286 F 180,000.00 ZZ 360 179,483.30 2 6.500 1,137.73 80 6.250 1,137.73 STOCKTON CA 95203 1 11/26/02 00 1747853 05 01/01/03 0 1747853 N 12/01/32 0 8457733 286/286 F 59,800.00 ZZ 360 59,701.66 1 7.000 397.86 95 6.750 397.86 RENO NV 89506 1 12/06/02 21 1865886 01 02/01/03 30 1865886 O 01/01/33 0 1 8457737 286/286 F 48,000.00 ZZ 360 47,924.87 1 7.250 327.45 80 7.000 327.45 MARION IN 46953 2 12/20/02 00 1873731 05 02/01/03 0 1873731 N 01/01/33 0 8457739 286/286 F 52,000.00 ZZ 360 51,918.61 1 7.250 354.74 80 7.000 354.74 MARION IN 46953 2 12/20/02 00 1873759 05 02/01/03 0 1873759 N 01/01/33 0 8457743 286/286 F 81,000.00 ZZ 360 80,799.63 1 7.000 538.90 80 6.750 538.90 AVON IN 46123 5 11/27/02 00 1778792 01 01/01/03 0 1778792 O 12/01/32 0 8457745 286/286 F 50,400.00 ZZ 360 50,284.24 1 7.375 348.10 84 7.125 348.10 BALTIMORE MD 21213 2 11/27/02 21 0001247321 05 01/01/03 12 0001247321 N 12/01/32 0 8457747 286/286 F 233,000.00 ZZ 360 232,597.65 1 6.750 1,511.24 49 6.500 1,511.24 SAN JOSE CA 95112 2 12/13/02 00 1719508 01 02/01/03 0 1719508 N 01/01/33 0 8457751 286/286 F 210,000.00 ZZ 360 209,454.51 3 6.750 1,362.06 60 6.500 1,362.06 1 ALHAMBRA CA 91803 2 11/19/02 00 1745019 05 01/01/03 0 1745019 N 12/01/32 0 8457753 286/286 F 55,000.00 ZZ 360 54,916.02 1 7.375 379.88 54 7.125 379.88 REDMOND OR 97756 5 12/05/02 00 1798972 05 02/01/03 0 1798972 N 01/01/33 0 8457755 286/286 F 94,000.00 ZZ 360 93,841.59 1 6.875 617.52 63 6.625 617.52 SCOTTSDALE AZ 85257 2 12/06/02 00 1818657 05 02/01/03 0 1818657 N 01/01/33 0 8457757 286/286 F 348,800.00 ZZ 360 347,958.86 1 6.625 2,233.41 80 6.375 2,233.41 PLEASANT HILL CA 94523 1 12/02/02 00 1828948 05 02/01/03 0 1828948 O 01/01/33 0 8457761 286/286 F 390,000.00 ZZ 360 389,275.64 1 6.375 2,433.10 54 6.125 2,433.10 CORONA CA 92881 2 12/06/02 00 1715538 05 02/01/03 0 1715538 O 01/01/33 0 8457763 286/286 F 208,500.00 ZZ 360 207,917.58 2 6.375 1,300.77 66 6.125 1,300.77 CHARLOTTE NC 28207 2 11/26/02 00 1708250 05 01/01/03 0 1708250 N 12/01/32 0 1 8457767 286/286 F 219,000.00 ZZ 360 218,388.24 2 6.375 1,366.28 66 6.125 1,366.28 CHARLOTTE NC 28207 2 11/26/02 00 1708252 05 01/01/03 0 1708252 N 12/01/32 0 8457769 286/286 F 32,600.00 ZZ 360 32,543.70 1 6.750 211.45 75 6.500 211.45 INDIANAPOLIS IN 46221 5 12/20/02 00 1853770 05 02/01/03 0 1853770 N 01/01/33 0 8457771 286/286 F 86,700.00 ZZ 360 86,538.96 1 6.375 540.90 80 6.125 540.90 NORCROSS GA 30093 1 12/30/02 00 1871201 05 02/01/03 0 1871201 N 01/01/33 0 8457777 286/286 F 55,800.00 ZZ 360 55,716.90 1 7.500 390.17 90 7.250 390.17 SOUTH BEND IN 46616 1 12/10/02 11 1854043 05 02/01/03 25 1854043 N 01/01/33 0 8457779 286/286 F 108,500.00 ZZ 360 108,095.36 1 6.375 676.90 57 6.125 676.90 CHEVERLY MD 20785 2 12/11/02 00 1823758 05 02/01/03 0 1823758 N 01/01/33 0 8457971 168/168 F 344,000.00 ZZ 360 343,724.91 1 1 7.125 2,317.59 80 6.875 2,317.59 WEST HILLS CA 91304 2 01/24/03 00 00994730 05 03/01/03 0 00994730 O 02/01/33 0 8458247 E82/G02 F 49,100.00 ZZ 360 49,100.00 1 6.125 298.34 74 5.875 298.34 JOPLIN MO 64801 2 02/21/03 00 0400776589 05 04/01/03 0 5370338 N 03/01/33 0 8458251 E82/G02 F 70,400.00 ZZ 360 70,400.00 1 6.125 427.76 80 5.875 427.76 JOPLIN MO 64801 2 02/21/03 00 0400776563 05 04/01/03 0 5574021 N 03/01/33 0 8458267 E82/G02 F 143,150.00 ZZ 360 143,150.00 1 6.625 916.61 50 6.375 916.61 OCEAN TOWNSHIP NJ 07712 2 02/06/03 00 0400755237 05 04/01/03 0 1520706 N 03/01/33 0 8458273 E82/G02 F 52,200.00 ZZ 360 52,200.00 1 6.375 325.66 74 6.125 325.66 BOROUGH OF PINE NJ 08021 2 02/14/03 00 0400757274 05 04/01/03 0 0400757274 N 03/01/33 0 8458289 168/168 F 404,000.00 ZZ 360 403,660.59 1 6.875 2,653.99 80 6.625 2,653.99 BAYSIDE NY 11364 2 01/23/03 00 0099961652 05 03/01/03 0 1 0099961652 O 02/01/33 0 8458301 E82/G02 F 139,900.00 ZZ 360 139,900.00 1 6.500 884.26 95 6.250 884.26 CITY OF VIRGINI VA 23464 2 02/14/03 10 0400785937 05 04/01/03 30 7681471 O 03/01/33 0 8458379 168/168 F 256,000.00 ZZ 360 256,000.00 1 6.750 1,660.41 80 6.500 1,660.41 QUEENS VILLAGE NY 11428 1 02/07/03 00 0099991632 05 04/01/03 0 0099991632 O 03/01/33 0 8458751 286/286 F 177,000.00 ZZ 360 176,694.36 2 6.750 1,148.02 60 6.500 1,148.02 PLYMOUTH MA 02360 5 12/13/02 00 1821820 05 02/01/03 0 1821820 N 01/01/33 0 8458757 286/286 F 81,000.00 ZZ 360 80,818.51 2 7.500 566.37 90 7.250 566.37 ST LOUIS MO 63111 1 11/18/02 11 1815949 05 01/01/03 25 1815949 N 12/01/32 0 8458767 286/286 F 52,000.00 ZZ 360 51,866.46 1 7.500 363.60 80 7.250 363.60 QUENEMO KS 66528 1 11/15/02 00 1457407 05 01/01/03 0 1457407 N 12/01/32 0 1 8458779 286/286 F 85,400.00 ZZ 360 85,208.67 4 7.500 597.13 70 7.250 597.13 ST LOUIS MO 63116 5 11/19/02 00 1480271 05 01/01/03 0 1480271 N 12/01/32 0 8458783 286/286 F 30,400.00 ZZ 360 30,324.78 1 7.000 202.26 90 6.750 202.26 LAGRANGE GA 30240 1 11/26/02 21 1740328 05 01/01/03 25 1740328 N 12/01/32 0 8458787 286/286 F 260,000.00 ZZ 360 259,238.00 1 6.125 1,579.79 80 5.875 1,579.79 POINT PLEASANT NJ 08742 5 11/11/02 00 1634060 05 01/01/03 0 1634060 O 12/01/32 0 8458801 286/286 F 67,200.00 ZZ 360 67,094.82 1 7.250 458.43 80 7.000 458.43 PITTSBURGH PA 15211 1 12/13/02 00 1839919 05 02/01/03 0 1839919 N 01/01/33 0 8458807 286/286 F 79,200.00 ZZ 360 79,076.05 1 7.250 540.29 80 7.000 540.29 WASHINGTON PA 15301 1 12/13/02 00 1839948 05 02/01/03 0 1839948 N 01/01/33 0 8458821 286/286 F 100,000.00 ZZ 360 99,800.38 1 6.000 599.56 74 5.750 599.56 1 SPRINGFIELD MA 01118 5 12/09/02 00 1750724 05 02/01/03 0 1750724 O 01/01/33 0 8458837 286/286 F 105,000.00 ZZ 360 104,804.97 1 6.375 655.07 46 6.125 655.07 GRAND RAPIDS MI 49525 5 11/25/02 00 1677654 05 02/01/03 0 1677654 O 01/01/33 0 8458843 286/286 F 342,000.00 ZZ 360 341,133.08 1 6.875 2,246.70 71 6.625 2,246.70 MCLEAN VA 22101 2 11/25/02 00 1660671 05 01/01/03 0 1660671 N 12/01/32 0 8458851 286/286 F 232,650.00 ZZ 360 232,303.58 2 7.500 1,626.73 90 7.250 1,626.73 LAWRENCE MA 01841 1 12/06/02 10 1779102 05 02/01/03 25 1779102 N 01/01/33 0 8458863 286/286 F 178,500.00 ZZ 360 178,133.54 2 6.750 1,157.75 85 6.500 1,157.75 W SACRAMENTO CA 95605 1 12/20/02 12 1872227 05 02/01/03 12 1872227 N 01/01/33 0 8458873 E22/G02 F 107,400.00 ZZ 360 107,400.00 1 6.500 678.84 80 6.250 678.84 CLOVIS CA 93612 1 02/17/03 00 0416164150 05 04/01/03 0 0416164150 N 03/01/33 0 1 8458887 286/286 F 352,000.00 ZZ 360 350,992.77 1 6.250 2,167.33 80 6.000 2,167.33 DIAMOND BAR CA 91765 5 11/22/02 00 1715891 05 01/01/03 0 1715891 O 12/01/32 0 8458889 286/286 F 191,250.00 ZZ 360 190,765.20 4 6.875 1,256.38 75 6.625 1,256.38 TORRANCE AREA CA 90501 1 11/13/02 00 1724206 05 01/01/03 0 1724206 N 12/01/32 0 8458899 286/286 F 85,000.00 ZZ 360 84,856.77 1 6.875 558.39 77 6.625 558.39 STARKVILLE MS 39759 5 12/13/02 00 1861724 05 02/01/03 0 1861724 O 01/01/33 0 8458915 286/286 F 82,500.00 ZZ 360 82,280.42 1 6.625 528.26 54 6.375 528.26 LAS VEGAS NV 89119 2 11/27/02 00 1600865 05 01/01/03 0 1600865 N 12/01/32 0 8458939 286/286 F 340,000.00 ZZ 360 339,368.51 1 6.375 2,121.16 79 6.125 2,121.16 SONOMA CA 95476 5 12/03/02 00 1116994 05 02/01/03 0 1116994 O 01/01/33 0 8458959 286/286 F 190,550.00 ZZ 360 189,957.63 1 1 6.375 1,188.79 80 6.125 1,188.79 RANCHO CORDOVA CA 95670 1 11/18/02 00 1258705 05 01/01/03 0 1258705 O 12/01/32 0 8458967 286/286 F 104,400.00 ZZ 360 104,248.39 1 7.625 738.94 90 7.375 738.94 WEST JORDAN UT 84084 1 12/16/02 14 1532637 05 02/01/03 25 1532637 N 01/01/33 0 8458971 E22/G02 F 132,800.00 ZZ 360 132,800.00 1 6.125 806.91 89 5.875 806.91 CARSON CITY NV 89701 5 02/03/03 04 0415620962 05 04/01/03 25 0415620962 O 03/01/33 0 8459001 286/286 F 67,500.00 ZZ 360 67,383.45 1 6.750 437.80 90 6.500 437.80 VIRGINIA BEACH VA 23451 1 12/17/02 21 0001244885 01 02/01/03 25 0001244885 N 01/01/33 0 8459021 286/286 F 360,000.00 ZZ 360 358,994.36 1 6.375 2,245.94 80 6.125 2,245.94 CLAREMONT CA 91711 2 11/21/02 00 1780275 05 01/01/03 0 1780275 O 12/01/32 0 8459029 286/286 F 300,000.00 ZZ 360 299,452.58 4 6.500 1,896.21 58 6.250 1,896.21 CONCORD CA 94520 5 12/27/02 00 811358 05 02/01/03 0 1 811358 N 01/01/33 0 8459033 E22/G02 F 73,850.00 ZZ 360 73,850.00 1 6.375 460.73 92 6.125 460.73 CHANNELVIEW TX 77530 2 02/14/03 01 0415876028 05 04/01/03 30 0415876028 O 03/01/33 0 8459035 286/286 F 500,000.00 ZZ 360 499,157.48 1 6.875 3,284.64 80 6.625 3,284.64 CLEARWATER FL 33767 5 12/05/02 00 0001259016 05 02/01/03 0 0001259016 O 01/01/33 0 8459037 286/286 F 105,300.00 ZZ 360 105,135.20 2 7.250 718.34 90 7.000 718.34 SACRAMENTO CA 95828 1 12/06/02 14 1696934 05 02/01/03 25 1696934 N 01/01/33 0 8459047 286/286 F 200,000.00 ZZ 360 199,574.19 2 6.500 1,264.14 55 6.250 1,264.14 OAKLAND CA 94601 5 11/27/02 00 1786899 05 02/01/03 0 1786899 N 01/01/33 0 8459053 E22/G02 F 116,000.00 ZZ 360 116,000.00 1 6.375 723.69 50 6.125 723.69 GRASS VALLEY CA 95945 5 02/12/03 00 0415896869 05 04/01/03 0 0415896869 O 03/01/33 0 1 8459059 286/286 F 420,000.00 ZZ 360 419,219.91 1 6.375 2,620.26 80 6.125 2,620.26 OGDEN UT 84403 2 12/20/02 00 1824760 05 02/01/03 0 1824760 O 01/01/33 0 8459079 286/286 F 400,000.00 ZZ 360 399,274.82 1 6.500 2,528.28 78 6.250 2,528.28 WEST NYACK NY 10994 1 12/13/02 00 1752383 05 02/01/03 0 1752383 O 01/01/33 0 8459085 286/286 F 265,000.00 ZZ 360 264,507.80 1 6.375 1,653.26 63 6.125 1,653.26 RIVERSIDE CA 92504 5 12/09/02 00 1837569 05 02/01/03 0 1837569 O 01/01/33 0 8459087 286/286 F 74,000.00 ZZ 360 73,913.14 1 7.375 511.10 70 7.125 511.10 PISCATAWAY NJ 08854 5 01/02/03 00 1673975 05 03/01/03 0 1673975 N 02/01/33 0 8459093 E22/G02 F 76,000.00 ZZ 360 76,000.00 1 7.125 512.03 80 6.875 512.03 N. RICHLAND HIL TX 76180 5 02/14/03 00 0415925635 05 04/01/03 0 0415925635 O 03/01/33 0 8459095 286/286 F 350,000.00 ZZ 360 348,569.28 1 6.125 2,126.64 46 5.875 2,126.64 1 SAN MARCOS CA 92069 2 12/18/02 00 1816401 03 02/01/03 0 1816401 O 01/01/33 0 8459097 286/286 F 65,000.00 ZZ 360 64,893.13 1 7.000 432.45 52 6.750 432.45 CHICAGO IL 60643 5 11/25/02 00 1726097 05 02/01/03 0 1726097 O 01/01/33 0 8459139 E22/G02 F 60,000.00 ZZ 360 60,000.00 1 7.250 409.31 42 7.000 409.31 FORT WALTON BEA FL 32548 5 02/12/03 00 0415945658 05 04/01/03 0 0415945658 O 03/01/33 0 8459141 286/286 F 100,800.00 ZZ 360 100,157.46 1 6.875 662.19 90 6.625 662.19 PHOENIX AZ 85008 1 10/23/02 12 1728442 05 12/01/02 25 1728442 N 11/01/32 0 8459145 286/286 F 47,250.00 ZZ 360 47,118.01 1 6.375 294.78 75 6.125 294.78 BEAVERTON OR 97005 2 11/22/02 00 1783264 01 01/01/03 0 1783264 N 12/01/32 0 8459149 286/286 F 51,000.00 ZZ 360 50,857.52 1 6.375 318.18 75 6.125 318.18 GRESHAM OR 97030 2 11/22/02 00 1783558 01 01/01/03 0 1783558 N 12/01/32 0 1 8459155 E22/G02 F 54,000.00 ZZ 360 54,000.00 2 7.375 372.96 90 7.125 372.96 RUTLAND VT 05701 1 02/20/03 04 0415954494 05 04/01/03 25 0415954494 N 03/01/33 0 8459157 286/286 F 35,050.00 ZZ 360 34,997.80 1 7.500 245.08 90 7.250 245.08 TULSA OK 74110 1 12/16/02 11 1848204 05 02/01/03 30 1848204 N 01/01/33 0 8459161 286/286 F 35,050.00 ZZ 360 34,997.80 1 7.500 245.08 90 7.250 245.08 TULSA OK 74104 1 12/16/02 11 1854243 05 02/01/03 25 1854243 N 01/01/33 0 8459163 E22/G02 F 112,000.00 ZZ 360 112,000.00 2 6.875 735.76 80 6.625 735.76 FRESNO CA 93703 2 02/10/03 00 0415956887 05 04/01/03 0 0415956887 N 03/01/33 0 8459177 E22/G02 F 116,450.00 ZZ 360 116,450.00 1 6.125 707.56 85 5.875 707.56 KERMAN CA 93630 1 02/13/03 04 0415967272 05 04/01/03 25 0415967272 O 03/01/33 0 8459179 286/286 F 26,910.00 ZZ 360 26,832.66 1 1 6.625 172.31 90 6.375 172.31 WICHITA KS 67214 1 11/27/02 12 1764850 05 01/01/03 25 1764850 N 12/01/32 0 8459185 286/286 F 212,000.00 ZZ 360 211,421.91 4 6.500 1,339.99 80 6.250 1,339.99 CLEARLAKE CA 95422 1 11/06/02 00 1635157 05 01/01/03 0 1635157 N 12/01/32 0 8459189 286/286 F 292,000.00 ZZ 360 291,507.95 1 6.875 1,918.24 80 6.625 1,918.24 GENEVA IL 60134 2 11/27/02 00 1741188 05 02/01/03 0 1741188 O 01/01/33 0 8459205 286/286 F 236,400.00 ZZ 360 235,712.38 1 6.375 1,474.83 90 6.125 1,474.83 LAS VEGAS NV 89141 1 11/20/02 12 1668642 03 01/01/03 25 1668642 O 12/01/32 0 8459211 286/286 F 327,500.00 ZZ 360 326,471.31 1 6.875 2,151.45 72 6.625 2,151.45 CASTRO VALLEY CA 94552 2 11/22/02 00 1690596 03 01/01/03 0 1690596 N 12/01/32 0 8459213 E22/G02 F 105,000.00 ZZ 360 105,000.00 1 6.125 637.99 65 5.875 637.99 SPOTSWOOD BORO NJ 08884 5 02/14/03 00 0415991033 05 04/01/03 0 1 0415991033 O 03/01/33 0 8459219 286/286 F 70,800.00 ZZ 360 70,619.55 1 6.875 465.11 80 6.625 465.11 ALBUQUERQUE NM 87121 5 11/22/02 00 1705985 05 01/01/03 0 1705985 O 12/01/32 0 8459259 286/286 F 403,000.00 ZZ 360 401,801.27 1 6.750 2,613.86 60 6.500 2,613.86 MOUNTAIN VIEW CA 94041 2 12/05/02 00 1763941 05 02/01/03 0 1763941 O 01/01/33 0 8459261 E22/G02 F 195,000.00 ZZ 240 195,000.00 1 6.625 1,468.25 65 6.375 1,468.25 DALLAS TX 75238 5 02/13/03 00 0416000511 05 04/01/03 0 0416000511 O 03/01/23 0 8459263 E22/G02 F 176,000.00 ZZ 360 176,000.00 1 7.375 1,215.59 74 7.125 1,215.59 SANTA MARIA CA 93458 5 02/10/03 00 0416002830 05 04/01/03 0 0416002830 O 03/01/33 0 8459271 286/286 F 72,000.00 ZZ 360 71,755.94 1 6.875 472.99 64 6.625 472.99 MESA AZ 85201 2 10/21/02 00 1656997 05 12/01/02 0 1656997 N 11/01/32 0 1 8459295 E22/G02 F 578,000.00 ZZ 360 578,000.00 1 6.125 3,511.99 80 5.875 3,511.99 MORAGA CA 94556 2 02/13/03 00 0416014520 05 04/01/03 0 0416014520 O 03/01/33 0 8459305 286/286 F 433,300.00 ZZ 360 432,174.48 1 6.750 2,810.38 70 6.500 2,810.38 GAITHERSBURG MD 20878 2 11/25/02 00 1701762 03 01/01/03 0 1701762 N 12/01/32 0 8459309 286/286 F 42,750.00 ZZ 360 42,668.66 1 6.250 263.22 93 6.000 263.22 HAMPTON VA 23666 2 12/12/02 10 1793938 01 02/01/03 30 1793938 O 01/01/33 0 8459329 286/286 F 104,000.00 ZZ 360 103,806.83 1 6.375 648.83 80 6.125 648.83 LINCOLN RI 02865 5 12/16/02 00 1739930 05 02/01/03 0 1739930 O 01/01/33 0 8459337 286/286 F 320,000.00 ZZ 360 319,447.41 1 6.750 2,075.52 80 6.500 2,075.52 SCOTTSDALE AZ 85255 5 12/13/02 00 1831802 03 02/01/03 0 1831802 O 01/01/33 0 8459343 286/286 F 303,700.00 ZZ 360 302,911.11 1 6.750 1,969.80 75 6.500 1,969.80 1 CHICAGO IL 60610 2 11/21/02 00 1586535 01 01/01/03 0 1586535 N 12/01/32 0 8459349 E22/G02 F 94,500.00 ZZ 360 94,500.00 1 5.750 551.48 58 5.500 551.48 BROKEN ARROW OK 74014 5 02/14/03 00 0416027563 05 04/01/03 0 0416027563 O 03/01/33 0 8459351 286/286 F 95,950.00 ZZ 360 95,694.63 1 6.625 614.38 75 6.375 614.38 MESA AZ 85212 1 11/22/02 00 1753538 03 01/01/03 0 1753538 N 12/01/32 0 8459355 286/286 F 100,522.00 ZZ 360 100,356.72 2 7.000 668.78 69 6.750 668.78 KANSAS CITY MO 64114 2 12/09/02 00 1837059 05 02/01/03 0 1837059 N 01/01/33 0 8459361 286/286 F 68,800.00 ZZ 360 68,686.87 2 7.000 457.73 80 6.750 457.73 KANSAS CITY KS 66102 2 12/09/02 00 1837145 05 02/01/03 0 1837145 N 01/01/33 0 8459365 286/286 F 66,750.00 ZZ 360 66,637.50 1 6.875 438.51 75 6.625 438.51 LOUISVILLE KY 40218 5 12/13/02 00 1845131 05 02/01/03 0 1845131 N 01/01/33 0 1 8459375 E22/G02 F 380,000.00 ZZ 360 380,000.00 1 6.125 2,308.92 80 5.875 2,308.92 SAN LEANDRO CA 94577 5 02/12/03 00 0416037406 03 04/01/03 0 0416037406 O 03/01/33 0 8459377 286/286 F 194,400.00 ZZ 360 193,830.26 1 6.125 1,181.20 80 5.875 1,181.20 MURRIETA CA 92562 1 11/12/02 00 1738181 05 01/01/03 0 1738181 O 12/01/32 0 8459381 286/286 F 165,000.00 ZZ 360 164,560.84 3 6.625 1,056.52 40 6.375 1,056.52 WASHINGTON DC 20001 2 11/26/02 00 1708881 05 01/01/03 0 1708881 N 12/01/32 0 8459385 286/286 F 165,000.00 ZZ 360 164,560.84 3 6.625 1,056.52 41 6.375 1,056.52 WASHINGTON DC 20009 5 11/26/02 00 1708916 05 01/01/03 0 1708916 N 12/01/32 0 8459389 286/286 F 106,650.00 ZZ 360 106,366.13 1 6.625 682.90 90 6.375 682.90 MESA AZ 85208 1 11/26/02 11 1784149 03 01/01/03 25 1784149 N 12/01/32 0 8459395 E22/G02 F 38,500.00 ZZ 360 38,500.00 1 1 6.500 243.35 70 6.250 243.35 OMAHA NE 68111 2 02/20/03 00 0416043719 05 04/01/03 0 0416043719 N 03/01/33 0 8459397 286/286 F 66,840.00 ZZ 360 66,674.67 1 7.000 444.69 75 6.750 444.69 NORFOLK VA 23518 5 11/14/02 00 1652615 05 01/01/03 0 1652615 O 12/01/32 0 8459401 286/286 F 40,500.00 ZZ 360 40,386.87 1 6.375 252.67 90 6.125 252.67 AKRON OH 44305 1 11/25/02 11 1722470 05 01/01/03 25 1722470 O 12/01/32 0 8459423 286/286 F 310,000.00 ZZ 360 309,134.05 1 6.375 1,934.00 60 6.125 1,934.00 SAN JOSE CA 95116 5 11/14/02 00 1637587 05 01/01/03 0 1637587 N 12/01/32 0 8459425 E22/G02 F 123,920.00 ZZ 360 123,920.00 1 6.125 752.95 80 5.875 752.95 WARSAW IN 46580 1 02/20/03 00 0416054070 05 04/01/03 0 0416054070 O 03/01/33 0 8459427 286/286 F 252,000.00 ZZ 360 251,296.04 1 6.375 1,572.16 80 6.125 1,572.16 GILBERT AZ 85297 1 11/19/02 00 1790831 03 01/01/03 0 1 1790831 N 12/01/32 0 8459437 286/286 F 580,000.00 ZZ 360 578,922.75 2 6.375 3,618.45 52 6.125 3,618.45 GREENWICH CT 06830 5 12/02/02 00 1795765 05 02/01/03 0 1795765 O 01/01/33 0 8459441 286/286 F 56,500.00 ZZ 360 56,402.43 1 6.750 366.46 75 6.500 366.46 STAFFORD VA 22554 2 12/13/02 00 1449848 03 02/01/03 0 1449848 N 01/01/33 0 8459445 286/286 F 240,600.00 ZZ 360 240,142.22 1 6.250 1,481.42 46 6.000 1,481.42 FULLERTON CA 92833 1 12/06/02 00 1867813 05 02/01/03 0 1867813 N 01/01/33 0 8459449 286/286 F 88,000.00 ZZ 360 87,675.61 1 7.125 592.88 80 6.875 592.88 BROOKLYN MI 49230 1 10/22/02 00 1726410 05 12/01/02 0 1726410 O 11/01/32 0 8459455 286/286 F 144,000.00 ZZ 360 143,487.57 4 6.625 922.05 80 6.375 922.05 MIDVALE UT 84047 1 10/18/02 00 1661084 05 12/01/02 0 1661084 N 11/01/32 0 1 8459467 286/286 F 96,250.00 ZZ 360 96,023.40 2 7.250 656.59 70 7.000 656.59 MIAMI FL 33167 1 12/02/02 00 1783353 05 01/01/03 0 1783353 N 12/01/32 0 8459471 286/286 F 348,800.00 ZZ 360 347,671.67 1 6.625 2,233.41 80 6.375 2,233.41 SAN JOSE CA 95122 2 11/01/02 00 1511337 05 01/01/03 0 1511337 O 12/01/32 0 8459479 286/286 F 68,000.00 ZZ 360 67,831.79 1 7.000 452.41 80 6.750 452.41 WEST PALM BEACH FL 33409 1 11/08/02 00 1734373 05 01/01/03 0 1734373 N 12/01/32 0 8459483 286/286 F 71,200.00 ZZ 360 71,023.87 1 7.000 473.70 80 6.750 473.70 WEST PALM BEACH FL 33409 1 11/08/02 00 1734385 05 01/01/03 0 1734385 N 12/01/32 0 8459487 286/286 F 379,000.00 ZZ 360 377,915.54 1 6.250 2,333.57 60 6.000 2,333.57 WESTLAKE OH 44145 2 11/20/02 00 1654158 01 01/01/03 0 1654158 O 12/01/32 0 8459491 286/286 F 213,300.00 ZZ 360 212,577.01 4 6.875 1,401.23 90 6.625 1,401.23 1 PHOENIX AZ 85013 1 10/23/02 12 1651584 05 12/01/02 25 1651584 N 11/01/32 0 8459493 E22/G02 F 67,000.00 ZZ 360 67,000.00 1 6.375 417.99 67 6.125 417.99 BARRETT MN 56311 5 02/10/03 00 0416077824 05 04/01/03 0 0416077824 O 03/01/33 0 8459495 286/286 F 213,300.00 ZZ 360 212,577.01 3 6.875 1,401.23 90 6.625 1,401.23 PHOENIX AZ 85013 1 10/23/02 12 1651607 05 12/01/02 25 1651607 N 11/01/32 0 8459499 286/286 F 31,500.00 ZZ 360 31,448.02 1 7.250 214.89 90 7.000 214.89 BALTIMORE MD 21218 1 12/17/02 11 1819562 05 02/01/03 25 1819562 N 01/01/33 0 8459507 286/286 F 71,850.00 ZZ 360 71,634.33 1 6.000 430.78 80 5.750 430.78 GREAT MILLS MD 20634 1 11/26/02 00 1586063 05 01/01/03 0 1586063 N 12/01/32 0 8459531 286/286 F 288,000.00 ZZ 360 287,386.36 1 6.500 1,820.36 80 6.250 1,820.36 KIRTLAND OH 44094 1 12/09/02 00 1697392 05 02/01/03 0 1697392 O 01/01/33 0 1 8459533 E22/G02 F 173,000.00 ZZ 360 173,000.00 1 6.250 1,065.19 73 6.000 1,065.19 ORANGEVALE CA 95662 5 02/13/03 00 0416096758 05 04/01/03 0 0416096758 O 03/01/33 0 8459537 286/286 F 100,800.00 ZZ 360 100,525.13 1 6.500 637.13 80 6.250 637.13 RICHARDSON TX 75080 1 11/19/02 00 1719521 05 01/01/03 0 1719521 O 12/01/32 0 8459541 286/286 F 258,750.00 ZZ 360 258,250.03 1 6.250 1,593.17 75 6.000 1,593.17 SANTEE CA 92071 2 12/02/02 00 1791557 05 02/01/03 0 1791557 O 01/01/33 0 8459549 286/286 F 40,000.00 ZZ 360 39,893.52 2 6.625 256.13 80 6.375 256.13 SPRINGFIELD MA 01108 1 11/27/02 00 1709947 05 01/01/03 0 1709947 N 12/01/32 0 8459557 286/286 F 52,200.00 ZZ 360 52,105.36 1 6.500 329.94 90 6.250 329.94 CANTON OH 44705 2 12/12/02 10 1676968 05 02/01/03 25 1676968 N 01/01/33 0 8459565 286/286 F 340,000.00 ZZ 360 339,072.88 1 1 6.500 2,149.04 80 6.250 2,149.04 EASTON CT 06612 1 11/25/02 00 1734550 05 01/01/03 0 1734550 O 12/01/32 0 8459579 286/286 F 128,700.00 ZZ 360 128,373.75 4 6.875 845.47 90 6.625 845.47 ALBUQUERQUE NM 87108 1 11/26/02 12 1839201 05 01/01/03 30 1839201 N 12/01/32 0 8459589 286/286 F 52,000.00 ZZ 360 51,871.36 1 7.000 345.96 80 6.750 345.96 GREENVILLE SC 29611 2 11/20/02 00 1759800 05 01/01/03 0 1759800 N 12/01/32 0 8459591 286/286 F 44,000.00 ZZ 360 43,891.15 1 7.000 292.74 80 6.750 292.74 GREENVILLE SC 29611 2 11/20/02 00 1764734 05 01/01/03 0 1764734 N 12/01/32 0 8459593 286/286 F 55,200.00 ZZ 360 55,053.09 1 6.625 353.45 80 6.375 353.45 LAHAINA HI 96761 1 11/07/02 00 1680868 01 01/01/03 0 1680868 N 12/01/32 0 8459595 286/286 F 85,600.00 ZZ 360 85,372.17 1 6.625 548.11 80 6.375 548.11 LAHAINA HI 96761 1 10/25/02 00 1680926 01 01/01/03 0 1 1680926 N 12/01/32 0 8459597 286/286 F 56,000.00 ZZ 360 55,850.97 1 6.625 358.57 80 6.375 358.57 LAHAINA HI 96761 1 11/07/02 00 1680965 01 01/01/03 0 1680965 N 12/01/32 0 8459599 286/286 F 98,000.00 ZZ 360 97,719.57 1 6.250 603.41 70 6.000 603.41 CHARLESTON SC 29406 1 11/26/02 00 1792585 05 01/01/03 0 1792585 N 12/01/32 0 8459601 286/286 F 160,000.00 ZZ 360 159,702.84 2 6.500 1,011.31 79 6.250 1,011.31 HOLLYWOOD FL 33020 1 12/05/02 00 1815039 05 02/01/03 0 1815039 N 01/01/33 0 8459603 286/286 F 283,000.00 ZZ 360 282,228.31 1 6.500 1,788.76 53 6.250 1,788.76 WOODLAND HILLS CA 91367 5 11/20/02 00 1738017 05 01/01/03 0 1738017 O 12/01/32 0 8459609 286/286 F 269,900.00 ZZ 360 269,433.93 1 6.750 1,750.57 90 6.500 1,750.57 ALDIE VA 20105 1 12/20/02 11 1832181 05 02/01/03 25 1832181 N 01/01/33 0 1 8459621 286/286 F 106,000.00 ZZ 360 105,731.29 1 6.875 696.35 80 6.625 696.35 SAN DIEGO CA 92108 1 11/11/02 00 1734609 01 01/01/03 0 1734609 O 12/01/32 0 8459623 286/286 F 76,600.00 ZZ 360 76,391.11 1 6.500 484.17 73 6.250 484.17 STEVENVILLE TX 76401 5 11/13/02 00 1791951 05 01/01/03 0 1791951 N 12/01/32 0 8459625 286/286 F 50,400.00 ZZ 360 50,308.61 1 6.500 318.57 77 6.250 318.57 ERIE PA 16504 5 12/02/02 00 1418448 05 02/01/03 0 1418448 O 01/01/33 0 8459629 286/286 F 56,000.00 ZZ 360 55,874.51 1 7.500 391.57 66 7.250 391.57 GRAND RAPIDS MI 49507 5 10/28/02 00 1716401 05 01/01/03 0 1716401 O 12/01/32 0 8459631 286/286 F 97,000.00 ZZ 360 96,819.83 1 6.375 605.16 44 6.125 605.16 RESTON VA 22091 2 12/20/02 00 1838000 03 02/01/03 0 1838000 N 01/01/33 0 8459641 286/286 F 75,500.00 ZZ 360 75,294.05 1 6.500 477.22 63 6.250 477.22 1 DELTONA FL 32738 5 11/21/02 00 1660150 05 01/01/03 0 1660150 O 12/01/32 0 8459645 286/286 F 268,000.00 ZZ 360 267,251.35 1 6.375 1,671.98 82 6.125 1,671.98 MADISON CT 06443 1 11/15/02 12 1699079 05 01/01/03 12 1699079 O 12/01/32 0 8459647 286/286 F 210,000.00 ZZ 360 209,413.38 1 6.375 1,310.13 61 6.125 1,310.13 SCARBOROUGH ME 04074 2 11/22/02 00 1823184 05 01/01/03 0 1823184 O 12/01/32 0 8459649 286/286 F 324,000.00 ZZ 360 323,291.99 1 7.625 2,293.26 90 7.375 2,293.26 LEE'S SUMMIT MO 64081 5 11/22/02 11 1735810 03 01/01/03 30 1735810 O 12/01/32 0 8459651 286/286 F 192,150.00 T 360 191,600.16 1 6.250 1,183.11 90 6.000 1,183.11 KILL DEVIL HILL NC 27948 1 11/26/02 12 1672485 05 01/01/03 25 1672485 O 12/01/32 0 8459653 286/286 F 300,000.00 ZZ 360 299,257.96 1 7.000 1,995.91 78 6.750 1,995.91 SAN FRANCISCO CA 94124 1 11/13/02 00 1730707 05 01/01/03 0 1730707 N 12/01/32 0 1 8459655 286/286 F 81,250.00 ZZ 360 79,818.46 1 6.250 500.28 65 6.000 500.28 ROANOKE VA 24018 1 12/20/02 00 1862452 05 02/01/03 0 1862452 N 01/01/33 0 8459659 286/286 F 49,000.00 ZZ 360 48,911.10 2 6.500 309.72 70 6.250 309.72 DAYTON OH 45406 5 12/12/02 00 1801241 05 02/01/03 0 1801241 N 01/01/33 0 8459663 286/286 F 195,000.00 ZZ 360 194,413.67 1 6.500 1,232.54 80 6.250 1,232.54 ITASCA IL 60143 5 11/21/02 00 1724123 05 01/01/03 0 1724123 O 12/01/32 0 8459667 286/286 F 46,900.00 ZZ 360 46,775.17 1 6.625 300.31 79 6.375 300.31 KNOXVILLE TN 37920 2 11/26/02 00 1594609 05 01/01/03 0 1594609 N 12/01/32 0 8459669 286/286 F 43,200.00 ZZ 360 43,085.01 1 6.625 276.62 78 6.375 276.62 KNOXVILLE TN 37920 2 11/26/02 00 1594619 05 01/01/03 0 1594619 N 12/01/32 0 8459673 286/286 F 32,400.00 ZZ 360 32,333.77 1 1 6.500 204.80 90 6.250 204.80 CANTON OH 44706 1 12/09/02 10 1762437 05 02/01/03 25 1762437 N 01/01/33 0 8459691 286/286 F 96,000.00 ZZ 360 95,812.90 1 6.125 583.31 80 5.875 583.31 LACEY WA 98503 1 12/04/02 00 1825116 03 02/01/03 0 1825116 O 01/01/33 0 8459705 286/286 F 249,300.00 ZZ 360 248,636.48 2 6.625 1,596.30 90 6.375 1,596.30 METHUEN MA 01844 1 11/26/02 12 1741923 05 01/01/03 25 1741923 N 12/01/32 0 8459709 286/286 F 384,774.00 ZZ 360 384,076.42 1 6.500 2,432.04 48 6.250 2,432.04 DARIEN CT 06820 2 12/02/02 00 1778658 05 02/01/03 0 1778658 O 01/01/33 0 8459711 286/286 F 102,400.00 ZZ 360 102,158.90 1 7.250 698.55 80 7.000 698.55 MIAMI FL 33178 1 11/22/02 00 1783529 01 01/01/03 0 1783529 N 12/01/32 0 8459715 286/286 F 98,000.00 ZZ 360 97,719.56 1 6.250 603.41 37 6.000 603.41 ELK GROVE CA 95758 1 11/26/02 00 1757947 05 01/01/03 0 1 1757947 N 12/01/32 0 8459719 286/286 F 87,700.00 ZZ 360 87,540.99 1 6.500 554.33 64 6.250 554.33 GLENDALE AZ 85302 2 12/09/02 00 1743865 05 02/01/03 0 1743865 N 01/01/33 0 8459721 286/286 F 189,600.00 ZZ 360 189,256.25 1 6.500 1,198.41 80 6.250 1,198.41 DOWNS IL 61736 1 12/11/02 00 1470319 05 02/01/03 0 1470319 O 01/01/33 0 8459725 286/286 F 196,700.00 ZZ 360 196,123.49 1 6.125 1,195.18 80 5.875 1,195.18 LYNNWOOD WA 98036 5 11/19/02 00 1729822 05 01/01/03 0 1729822 O 12/01/32 0 8459729 286/286 F 397,000.00 ZZ 360 395,891.01 1 6.375 2,476.77 80 6.125 2,476.77 WEST WINDSOR NJ 08550 2 11/13/02 00 1646232 05 01/01/03 0 1646232 O 12/01/32 0 8459733 286/286 F 645,000.00 ZZ 360 643,324.61 2 6.750 4,183.46 72 6.500 4,183.46 SAN FRANCISCO CA 94110 5 11/20/02 00 1681103 05 01/01/03 0 1681103 O 12/01/32 0 1 8459737 286/286 F 55,350.00 ZZ 360 55,213.07 1 7.000 368.25 90 6.750 368.25 TEMPLE HILLS MD 20748 1 12/05/02 12 1800723 01 01/01/03 25 1800723 N 12/01/32 0 8459739 286/286 F 70,800.00 ZZ 360 70,680.69 1 6.875 465.11 80 6.625 465.11 SPRING TX 77388 5 12/16/02 00 1855785 05 02/01/03 0 1855785 N 01/01/33 0 8459743 286/286 F 35,900.00 ZZ 360 35,836.46 1 6.625 229.88 90 6.375 229.88 HAMILTON OH 45211 1 12/23/02 10 1832195 05 02/01/03 30 1832195 N 01/01/33 0 8459745 286/286 F 40,500.00 ZZ 360 40,428.33 1 6.625 259.33 90 6.375 259.33 CINCINNATI OH 45229 1 12/23/02 01 1873413 05 02/01/03 25 1873413 N 01/01/33 0 8459751 286/286 F 52,100.00 ZZ 360 52,014.33 1 7.000 346.63 73 6.750 346.63 PALM HARBOR FL 34683 2 12/06/02 00 1757117 03 02/01/03 0 1757117 N 01/01/33 0 8459757 286/286 F 288,000.00 ZZ 360 287,233.49 1 6.625 1,844.10 80 6.375 1,844.10 1 LOS OSOS CA 93402 1 11/25/02 00 1811116 05 01/01/03 0 1811116 N 12/01/32 0 8459759 286/286 F 269,790.00 ZZ 360 269,288.91 1 6.375 1,683.14 50 6.125 1,683.14 ELMHURST IL 60126 2 12/06/02 00 1614659 05 02/01/03 0 1614659 O 01/01/33 0 8459771 286/286 F 84,900.00 ZZ 360 84,742.30 1 6.375 529.67 90 6.125 529.67 WINCHESTER VA 22602 1 12/16/02 12 1838334 01 02/01/03 25 1838334 N 01/01/33 0 8459773 286/286 F 101,250.00 ZZ 360 100,999.55 1 7.000 673.62 75 6.750 673.62 NASHVILLE IN 47448 2 11/22/02 00 1717361 05 01/01/03 0 1717361 O 12/01/32 0 8459789 286/286 F 73,700.00 ZZ 360 73,489.09 1 6.250 453.79 54 6.000 453.79 GILBERT AZ 85234 2 11/26/02 00 1826410 03 01/01/03 0 1826410 N 12/01/32 0 8459795 286/286 F 217,000.00 ZZ 360 216,243.82 1 6.375 1,353.80 45 6.125 1,353.80 SAN CLEMENTE CA 92673 1 11/22/02 00 1761868 03 01/01/03 0 1761868 N 12/01/32 0 1 8459799 286/286 F 256,500.00 ZZ 360 255,880.98 1 7.125 1,728.09 90 6.875 1,728.09 MARATHON FL 33050 1 11/14/02 10 1742290 05 01/01/03 30 1742290 O 12/01/32 0 8459803 286/286 F 48,750.00 ZZ 360 48,677.41 3 7.500 340.87 50 7.250 340.87 SPRINGFIELD MA 01104 5 12/11/02 00 1814919 05 02/01/03 0 1814919 N 01/01/33 0 8459805 286/286 F 500,000.00 ZZ 360 498,669.25 1 6.625 3,201.56 61 6.375 3,201.56 NEW CANAAN CT 06840 5 11/20/02 00 1573478 05 01/01/03 0 1573478 O 12/01/32 0 8459809 286/286 F 94,000.00 ZZ 360 93,825.41 3 6.375 586.44 63 6.125 586.44 PROVIDENCE RI 02908 2 12/19/02 00 1819699 05 02/01/03 0 1819699 N 01/01/33 0 8459813 286/286 F 80,600.00 ZZ 360 80,450.30 3 6.375 502.84 54 6.125 502.84 PROVIDENCE RI 02908 2 12/19/02 00 1819727 05 02/01/03 0 1819727 N 01/01/33 0 8459815 286/286 F 70,500.00 ZZ 360 70,369.05 2 1 6.375 439.83 53 6.125 439.83 PROVIDENCE RI 02908 2 12/19/02 00 1819735 05 02/01/03 0 1819735 N 01/01/33 0 8459825 286/286 F 196,000.00 ZZ 360 195,335.54 1 6.875 1,287.59 80 6.625 1,287.59 WHEELING IL 60090 1 11/01/02 00 1720866 01 12/01/02 0 1720866 O 11/01/32 0 8459827 286/286 F 256,500.00 ZZ 360 255,817.32 1 6.625 1,642.40 90 6.375 1,642.40 PHOENIX AZ 85048 1 11/08/02 12 1787703 03 01/01/03 25 1787703 N 12/01/32 0 8459845 286/286 F 360,000.00 ZZ 360 359,378.34 1 6.750 2,334.96 80 6.500 2,334.96 SEATTLE WA 98105 1 12/10/02 00 1853200 05 02/01/03 0 1853200 N 01/01/33 0 8459851 286/286 F 51,750.00 ZZ 360 51,550.56 1 7.000 344.30 75 6.750 344.30 AVONDALE AZ 85323 5 11/08/02 00 1761241 03 01/01/03 0 1761241 N 12/01/32 0 8459855 286/286 F 400,000.00 ZZ 360 399,292.21 1 6.625 2,561.25 79 6.375 2,561.25 NAGS HEAD NC 27959 1 12/20/02 00 1889884 03 02/01/03 0 1 1889884 N 01/01/33 0 8459857 286/286 F 106,350.00 ZZ 360 106,152.46 1 6.375 663.49 61 6.125 663.49 GLOUCESTER VA 23061 5 12/04/02 00 1614079 05 02/01/03 0 1614079 O 01/01/33 0 8459859 286/286 F 46,400.00 ZZ 360 46,296.03 1 7.500 324.44 80 7.250 324.44 INDIANAPOLIS IN 46221 2 11/22/02 00 1791364 05 01/01/03 0 1791364 N 12/01/32 0 8459871 286/286 F 146,500.00 ZZ 360 146,100.52 4 6.500 925.98 35 6.250 925.98 OCEANSIDE CA 92054 2 11/18/02 00 1693096 05 01/01/03 0 1693096 N 12/01/32 0 8459877 286/286 F 97,000.00 ZZ 360 96,828.37 1 6.625 621.10 75 6.375 621.10 MADISON WI 53714 5 12/05/02 00 1779384 05 02/01/03 0 1779384 N 01/01/33 0 8459879 286/286 F 88,000.00 ZZ 360 87,840.47 1 6.500 556.22 79 6.250 556.22 ROANOKE VA 24015 2 12/04/02 00 1789958 05 02/01/03 0 1789958 N 01/01/33 0 1 8459881 286/286 F 540,000.00 ZZ 360 538,491.56 1 6.375 3,368.90 50 6.125 3,368.90 LOS ALTOS CA 94024 2 11/15/02 00 1628691 05 01/01/03 0 1628691 N 12/01/32 0 8459893 286/286 F 84,600.00 ZZ 360 84,528.92 1 6.875 555.77 90 6.625 555.77 KISSIMMEE FL 34746 1 01/09/03 14 1890111 03 03/01/03 30 1890111 N 02/01/33 0 8459915 286/286 F 300,000.00 ZZ 360 299,494.48 1 6.875 1,970.79 75 6.625 1,970.79 NORTHVILLE MI 48167 2 12/09/02 00 1658900 05 02/01/03 0 1658900 N 01/01/33 0 8459919 286/286 F 240,000.00 ZZ 360 239,595.58 1 6.875 1,576.63 80 6.625 1,576.63 FARMINGTON MI 48335 2 12/09/02 00 1658912 05 02/01/03 0 1658912 N 01/01/33 0 8459921 286/286 F 300,000.00 ZZ 360 299,494.48 1 6.875 1,970.79 75 6.625 1,970.79 LIVONIA MI 48150 2 12/09/02 00 1658919 05 02/01/03 0 1658919 N 01/01/33 0 8459925 286/286 F 376,200.00 ZZ 360 375,198.75 1 6.625 2,408.85 79 6.375 2,408.85 1 ROSEVILLE CA 95747 2 11/19/02 00 1686792 05 01/01/03 0 1686792 O 12/01/32 0 8459927 286/286 F 85,500.00 ZZ 360 85,308.22 1 7.500 597.83 90 7.250 597.83 MANVILLE NJ 08835 1 11/14/02 12 1559791 05 01/01/03 25 1559791 O 12/01/32 0 8459931 286/286 F 400,000.00 ZZ 360 399,257.07 1 6.375 2,495.48 45 6.125 2,495.48 WILTON CT 06897 2 12/03/02 00 1590657 05 02/01/03 0 1590657 O 01/01/33 0 8459977 286/286 F 132,300.00 ZZ 360 132,077.06 2 6.875 869.12 90 6.625 869.12 WESTFIELD MA 01085 1 12/06/02 12 1732414 05 02/01/03 25 1732414 N 01/01/33 0 8459979 286/286 F 404,000.00 ZZ 360 402,898.18 1 6.500 2,553.56 80 6.250 2,553.56 WOODLAND HILLS CA 91364 2 11/21/02 00 1795877 05 01/01/03 0 1795877 O 12/01/32 0 8459981 286/286 F 330,000.00 ZZ 360 329,078.16 1 6.375 2,058.78 67 6.125 2,058.78 WAYNE NJ 07470 1 11/15/02 00 1669520 05 01/01/03 0 1669520 O 12/01/32 0 1 8459983 286/286 F 262,500.00 ZZ 360 262,021.21 2 6.500 1,659.18 70 6.250 1,659.18 WASHINGTON DC 20001 5 12/23/02 00 1850878 05 02/01/03 0 1850878 N 01/01/33 0 8459999 286/286 F 37,425.00 ZZ 360 37,339.03 1 7.375 258.49 75 7.125 258.49 GLENOLDEN PA 19036 5 11/27/02 00 1520714 05 01/01/03 0 1520714 N 12/01/32 0 8460003 286/286 F 689,000.00 ZZ 360 686,548.21 1 6.625 4,411.75 65 6.375 4,411.75 CARMEL CA 93923 5 10/10/02 00 1569685 05 12/01/02 0 1569685 O 11/01/32 0 8460007 286/286 F 380,000.00 ZZ 360 378,938.50 1 6.375 2,370.71 80 6.125 2,370.71 RIDGEFIELD CT 06877 2 11/08/02 00 1668139 05 01/01/03 0 1668139 O 12/01/32 0 8460009 286/286 F 356,000.00 ZZ 360 355,093.53 4 6.875 2,338.67 80 6.625 2,338.67 SALEM MA 01970 1 11/25/02 00 1766673 05 01/01/03 0 1766673 N 12/01/32 0 8460011 286/286 F 292,000.00 ZZ 360 290,835.79 1 1 6.375 1,821.71 55 6.125 1,821.71 RIVERSIDE CA 92504 2 11/22/02 00 1689093 05 01/01/03 0 1689093 O 12/01/32 0 8460013 286/286 F 67,500.00 ZZ 360 67,320.36 1 6.625 432.21 45 6.375 432.21 AVENTURA FL 33160 2 11/26/02 00 1818634 01 01/01/03 0 1818634 O 12/01/32 0 8460015 286/286 F 50,400.00 ZZ 360 50,287.07 1 7.500 352.41 80 7.250 352.41 MUNCIE IN 47302 5 11/08/02 00 1355069 05 01/01/03 0 1355069 N 12/01/32 0 8460017 286/286 F 50,000.00 ZZ 360 49,853.45 1 6.125 303.81 71 5.875 303.81 COLUMBUS OH 43204 5 11/29/02 00 1697125 05 01/01/03 0 1697125 N 12/01/32 0 8460025 286/286 F 320,000.00 ZZ 360 318,663.26 1 6.250 1,970.30 80 6.000 1,970.30 LONG BEACH CA 90803 1 11/20/02 00 1749945 05 01/01/03 0 1749945 O 12/01/32 0 8460033 286/286 F 220,000.00 ZZ 360 218,970.28 1 6.375 1,372.52 80 6.125 1,372.52 ROCKVILLE MD 20850 5 09/23/02 00 1512708 01 11/01/02 0 1 1512708 O 10/01/32 0 8460035 286/286 F 88,065.00 ZZ 360 87,841.01 4 7.625 623.32 90 7.375 623.32 ST LOUIS MO 63118 1 11/20/02 11 1734438 05 01/01/03 25 1734438 N 12/01/32 0 8460037 286/286 F 100,000.00 ZZ 360 99,746.52 1 6.875 656.93 80 6.625 656.93 AUSTIN TX 78758 1 11/27/02 00 1822026 05 01/01/03 0 1822026 N 12/01/32 0 8460039 286/286 F 308,000.00 ZZ 360 307,139.63 1 6.375 1,921.52 80 6.125 1,921.52 HOUSTON TX 77024 1 11/18/02 00 1810352 03 01/01/03 0 1810352 O 12/01/32 0 8460047 286/286 F 281,100.00 ZZ 360 280,333.50 1 6.500 1,776.74 90 6.250 1,776.74 PICKERINGTON OH 43147 1 11/08/02 11 1779054 05 01/01/03 25 1779054 O 12/01/32 0 8460051 286/286 F 191,000.00 ZZ 360 190,453.45 1 6.250 1,176.03 37 6.000 1,176.03 BETHESDA MD 20816 2 11/25/02 00 1750563 05 01/01/03 0 1750563 O 12/01/32 0 1 8460053 286/286 F 145,000.00 ZZ 360 144,743.41 1 6.625 928.46 54 6.375 928.46 SAMMAMISH WA 98074 5 12/02/02 00 1757746 05 02/01/03 0 1757746 N 01/01/33 0 8460057 286/286 F 73,500.00 ZZ 360 73,363.48 1 6.375 458.55 80 6.125 458.55 HUDSON IL 61748 1 12/06/02 00 1790157 05 02/01/03 0 1790157 O 01/01/33 0 8460061 286/286 F 360,000.00 ZZ 360 359,314.90 1 6.250 2,216.59 80 6.000 2,216.59 SILVER SPRING MD 20905 5 12/04/02 00 1792856 05 02/01/03 0 1792856 O 01/01/33 0 8460065 286/286 F 257,900.00 ZZ 360 257,230.09 1 6.750 1,672.74 90 6.500 1,672.74 LAS VEGAS NV 89141 1 11/18/02 12 1752992 05 01/01/03 25 1752992 N 12/01/32 0 8460067 286/286 F 76,950.00 ZZ 360 76,813.84 1 6.625 492.72 90 6.375 492.72 LOUISVILLE OH 44641 1 12/20/02 10 1819946 05 02/01/03 25 1819946 N 01/01/33 0 8460069 286/286 F 100,700.00 ZZ 360 100,508.40 1 6.250 620.03 17 6.000 620.03 1 BELLBROOK OH 45305 2 12/09/02 00 1701603 05 02/01/03 0 1701603 O 01/01/33 0 8460075 286/286 F 366,000.00 ZZ 360 364,855.75 1 6.375 2,283.37 76 6.125 2,283.37 SUNNYVALE CA 94089 2 11/08/02 00 1651616 05 01/01/03 0 1651616 O 12/01/32 0 8460079 286/286 F 110,100.00 ZZ 360 109,798.96 4 6.875 723.28 90 6.625 723.28 DALLAS TX 75227 1 11/12/02 11 1624975 05 01/01/03 25 1624975 N 12/01/32 0 8460081 286/286 F 194,400.00 ZZ 360 193,860.75 4 6.875 1,277.07 90 6.625 1,277.07 DALLAS TX 75229 1 11/27/02 11 1778931 05 01/01/03 25 1778931 N 12/01/32 0 8460085 286/286 F 84,000.00 ZZ 360 83,754.46 1 7.625 594.55 80 7.375 594.55 LANCASTER OH 43130 5 10/25/02 00 1734626 05 12/01/02 0 1734626 N 11/01/32 0 8460087 286/286 F 145,000.00 ZZ 360 144,445.32 2 6.250 892.80 65 6.000 892.80 SALT LAKE CITY UT 84105 5 10/18/02 00 1633748 05 12/01/02 0 1633748 N 11/01/32 0 1 8460089 286/286 F 95,480.00 ZZ 360 95,326.83 1 7.125 643.27 80 6.875 643.27 BALTIMORE MD 21224 1 12/20/02 00 1809060 05 02/01/03 0 1809060 N 01/01/33 0 8460101 286/286 F 73,300.00 ZZ 360 73,131.63 1 7.375 506.27 79 7.125 506.27 MILFORD CT 06460 1 11/15/02 00 1761112 01 01/01/03 0 1761112 N 12/01/32 0 8460107 286/286 F 338,400.00 ZZ 360 337,520.99 1 6.750 2,194.86 80 6.500 2,194.86 HILLSBOROUGH NJ 08844 5 11/22/02 00 1697743 05 01/01/03 0 1697743 O 12/01/32 0 8460111 286/286 F 461,580.00 ZZ 360 460,290.62 1 6.375 2,879.66 51 6.125 2,879.66 WESTON CT 06883 5 11/11/02 00 1591677 05 01/01/03 0 1591677 O 12/01/32 0 8460113 286/286 F 94,500.00 ZZ 360 86,800.57 1 6.375 589.56 90 6.125 589.56 RIO RANCHO NM 87124 2 12/04/02 12 1650518 05 02/01/03 25 1650518 N 01/01/33 0 8460119 286/286 F 105,700.00 ZZ 360 103,840.82 1 1 6.750 685.57 71 6.500 685.57 SPARKS NV 89434 2 09/30/02 00 1531752 05 11/01/02 0 1531752 N 10/01/32 0 8460121 286/286 F 42,250.00 ZZ 360 42,140.24 1 6.750 274.04 67 6.500 274.04 FORT WAYNE IN 46815 5 12/03/02 00 1749014 05 01/01/03 0 1749014 N 12/01/32 0 8460123 286/286 F 58,400.00 ZZ 360 58,248.28 1 6.750 378.79 76 6.500 378.79 FORT WAYNE IN 46815 5 12/03/02 00 1749022 05 01/01/03 0 1749022 N 12/01/32 0 8460133 286/286 F 215,000.00 ZZ 360 214,610.21 4 6.500 1,358.95 65 6.250 1,358.95 NORTH HOLLYWOOD CA 91601 2 12/02/02 00 1670727 05 02/01/03 0 1670727 N 01/01/33 0 8460143 286/286 F 68,000.00 ZZ 360 67,827.61 1 6.875 446.72 80 6.625 446.72 CHICAGO IL 60643 1 11/19/02 00 1720787 05 01/01/03 0 1720787 N 12/01/32 0 8460147 286/286 F 57,600.00 ZZ 360 57,502.92 1 6.875 378.40 77 6.625 378.40 URBANA IL 61802 5 12/09/02 00 1712667 05 02/01/03 0 1 1712667 N 01/01/33 0 8460149 286/286 F 256,800.00 ZZ 360 256,082.66 1 6.375 1,602.10 80 6.125 1,602.10 PRESCOTT AZ 86305 5 11/01/02 00 1704691 05 01/01/03 0 1704691 O 12/01/32 0 8460151 286/286 F 110,000.00 ZZ 360 109,800.56 1 6.500 695.28 58 6.250 695.28 WOODBRIDGE VA 22193 5 12/16/02 00 1841155 05 02/01/03 0 1841155 N 01/01/33 0 8460153 286/286 F 475,000.00 ZZ 360 473,593.40 1 6.500 3,002.32 56 6.250 3,002.32 NEW ORLEANS LA 70115 2 11/26/02 00 1819291 05 01/01/03 0 1819291 O 12/01/32 0 8460157 286/286 F 47,125.00 ZZ 360 47,045.59 3 6.875 309.58 65 6.625 309.58 BALTIMORE MD 21202 2 12/04/02 00 1744666 05 02/01/03 0 1744666 N 01/01/33 0 8460169 286/286 F 80,000.00 ZZ 360 79,793.57 1 7.000 532.25 80 6.750 532.25 PHOENIX AZ 85013 5 11/01/02 00 1670347 05 01/01/03 0 1670347 N 12/01/32 0 1 8460171 286/286 F 396,500.00 ZZ 360 395,392.41 1 6.375 2,473.65 77 6.125 2,473.65 MARBLEHEAD MA 01945 2 11/11/02 00 1661407 05 01/01/03 0 1661407 O 12/01/32 0 8460183 286/286 F 198,400.00 ZZ 360 198,031.50 1 6.375 1,237.76 80 6.125 1,237.76 EMMITSBURG MD 21727 2 12/02/02 00 1602479 05 02/01/03 0 1602479 O 01/01/33 0 8460185 286/286 F 282,000.00 ZZ 360 281,212.25 1 6.375 1,759.32 68 6.125 1,759.32 DENVER CO 80237 5 11/04/02 00 1675772 05 01/01/03 0 1675772 O 12/01/32 0 8460189 286/286 F 104,500.00 ZZ 360 104,305.90 1 6.375 651.95 94 6.125 651.95 WALDORF MD 20602 1 12/02/02 10 1751563 03 02/01/03 25 1751563 N 01/01/33 0 8460193 286/286 F 290,000.00 ZZ 360 288,960.13 1 6.625 1,856.91 51 6.375 1,856.91 WEST PALM BEACH FL 33405 5 10/30/02 00 1665205 05 12/01/02 0 1665205 O 11/01/32 0 8460201 286/286 F 216,000.00 ZZ 360 215,644.85 2 7.000 1,437.06 90 6.750 1,437.06 1 AUSTIN TX 78723 2 12/09/02 11 1797220 05 02/01/03 25 1797220 N 01/01/33 0 8460213 286/286 F 325,000.00 ZZ 360 324,176.17 1 6.875 2,135.02 80 6.625 2,135.02 WASHINGTON DC 20002 5 11/18/02 00 1585763 03 01/01/03 0 1585763 O 12/01/32 0 8460217 286/286 F 40,500.00 ZZ 360 40,435.03 1 7.125 272.86 90 6.875 272.86 DISTRICT HEIGHT MD 20747 1 12/13/02 11 1838105 01 02/01/03 25 1838105 N 01/01/33 0 8460221 286/286 F 109,550.00 ZZ 360 109,236.53 1 6.250 674.52 90 6.000 674.52 N CHARLESTON SC 29406 1 11/26/02 11 1793785 05 01/01/03 25 1793785 N 12/01/32 0 8460233 286/286 F 67,600.00 ZZ 360 67,436.84 2 7.125 455.44 78 6.875 455.44 SPRINGFIELD MA 01109 2 11/20/02 00 1727199 05 01/01/03 0 1727199 N 12/01/32 0 8460235 286/286 F 423,000.00 ZZ 360 421,901.27 1 6.750 2,743.57 60 6.500 2,743.57 FOSTER CITY CA 94404 2 11/12/02 00 1684051 05 01/01/03 0 1684051 N 12/01/32 0 1 8460243 286/286 F 100,000.00 ZZ 360 99,793.31 1 6.250 615.72 47 6.000 615.72 "ATWATER, OHIO OH 44201 2 12/18/02 00 1792984 05 02/01/03 0 1792984 O 01/01/33 0 8460245 286/286 F 76,500.00 ZZ 360 76,380.28 1 7.250 521.87 90 7.000 521.87 JOLIET IL 60436 1 12/17/02 10 1865878 05 02/01/03 25 1865878 N 01/01/33 0 8460247 286/286 F 384,000.00 ZZ 360 382,662.42 1 6.250 2,364.36 80 6.000 2,364.36 CAMARILLO CA 93012 5 11/07/02 00 1617506 05 01/01/03 0 1617506 O 12/01/32 0 8460303 286/286 F 300,000.00 ZZ 360 299,310.95 1 7.375 2,072.03 77 7.125 2,072.03 MISSION VIEJO CA 92691 2 11/21/02 00 1656176 05 01/01/03 0 1656176 O 12/01/32 0 8460311 286/286 F 64,000.00 ZZ 360 63,873.47 1 7.000 425.80 80 6.750 425.80 CHAMPAIGN IL 61821 1 12/17/02 00 1807904 05 02/01/03 0 1807904 N 01/01/33 0 8460315 286/286 F 380,000.00 ZZ 360 378,888.31 1 1 6.750 2,464.68 74 6.500 2,464.68 SAN FRANCISCO CA 94134 2 11/08/02 00 1686511 05 01/01/03 0 1686511 O 12/01/32 0 8460321 286/286 F 57,150.00 ZZ 360 57,038.62 1 6.125 347.25 90 5.875 347.25 BEL AIR MD 21015 1 12/18/02 10 1825909 01 02/01/03 25 1825909 N 01/01/33 0 8460323 286/286 F 224,760.00 ZZ 360 224,204.05 3 7.000 1,495.34 90 6.750 1,495.34 PAWTUCKET RI 02861 1 11/25/02 12 1704597 05 01/01/03 25 1704597 N 12/01/32 0 8460327 286/286 F 268,000.00 ZZ 360 267,548.41 4 6.875 1,760.57 80 6.625 1,760.57 NEWMARKET NH 03857 1 12/02/02 00 1739179 05 02/01/03 0 1739179 N 01/01/33 0 8460339 286/286 F 64,200.00 ZZ 360 64,091.81 2 6.875 421.75 76 6.625 421.75 BLUFFTON IN 46714 2 12/13/02 00 1730017 05 02/01/03 0 1730017 N 01/01/33 0 8460343 286/286 F 225,000.00 ZZ 360 224,415.56 1 6.750 1,459.35 75 6.500 1,459.35 CHULA VISTA CA 91911 5 11/01/02 00 1628836 05 01/01/03 0 1 1628836 N 12/01/32 0 8460347 286/286 F 66,000.00 ZZ 360 65,844.60 1 7.250 450.24 80 7.000 450.24 HIALEAH FL 33016 1 11/25/02 00 1659561 01 01/01/03 0 1659561 N 12/01/32 0 8460351 286/286 F 235,350.00 ZZ 360 235,142.35 4 6.625 1,506.98 90 6.375 1,506.98 COMPTON CA 90220 1 12/30/02 11 1893519 05 03/01/03 25 1893519 N 02/01/33 0 8460357 286/286 F 73,800.00 ZZ 360 73,659.58 1 6.250 454.40 90 6.000 454.40 HAMPTON VA 23669 1 12/16/02 10 1863452 03 02/01/03 25 1863452 N 01/01/33 0 8460359 286/286 F 505,000.00 ZZ 360 504,039.16 1 6.250 3,109.38 70 6.000 3,109.38 STAMFORD CT 06903 2 12/05/02 00 1705168 05 02/01/03 0 1705168 O 01/01/33 0 8460361 286/286 F 106,250.00 ZZ 360 105,959.99 1 6.500 671.58 85 6.250 671.58 ALBUQUERQUE NM 87112 2 11/22/02 21 1753068 05 01/01/03 12 1753068 O 12/01/32 0 1 8460371 286/286 F 54,600.00 ZZ 360 54,516.65 2 7.375 377.11 70 7.125 377.11 ELWOOD IN 46036 2 12/16/02 00 1805185 05 02/01/03 0 1805185 N 01/01/33 0 8460387 286/286 F 98,400.00 ZZ 360 97,150.57 4 6.875 646.42 80 6.625 646.42 ROCKFORD IL 61108 1 11/29/02 00 1785734 05 01/01/03 0 1785734 N 12/01/32 0 8460389 286/286 F 63,750.00 ZZ 360 63,642.56 1 6.875 418.80 75 6.625 418.80 ARNOLD MD 21012 1 12/16/02 00 1871449 01 02/01/03 0 1871449 N 01/01/33 0 8460391 286/286 F 637,500.00 ZZ 360 636,344.25 1 6.500 4,029.44 75 6.250 4,029.44 PARAMUS NJ 07652 1 12/03/02 00 1566717 05 02/01/03 0 1566717 O 01/01/33 0 8460393 286/286 F 97,600.00 ZZ 360 97,311.15 1 6.750 633.04 80 6.500 633.04 CREVE COEUR MO 63141 1 12/03/02 00 1844182 01 01/01/03 0 1844182 N 12/01/32 0 8460397 286/286 F 62,000.00 ZZ 360 61,838.93 1 6.750 402.14 90 6.500 402.14 1 PORTSMOUTH VA 23701 1 11/26/02 11 1782233 05 01/01/03 25 1782233 N 12/01/32 0 8460401 286/286 F 320,000.00 ZZ 360 319,084.00 1 6.250 1,970.30 71 6.000 1,970.30 BRIDGEWATER MA 02324 1 11/18/02 00 1715277 05 01/01/03 0 1715277 O 12/01/32 0 8460411 286/286 F 80,000.00 ZZ 360 79,776.52 1 6.375 499.10 64 6.125 499.10 GLENDALE AZ 85308 2 11/12/02 00 1665976 05 01/01/03 0 1665976 N 12/01/32 0 8460415 286/286 F 365,000.00 ZZ 360 364,369.71 1 6.750 2,367.39 78 6.500 2,367.39 SCOTTSDALE AZ 85255 2 12/04/02 00 997456 03 02/01/03 0 997456 N 01/01/33 0 8460419 286/286 F 260,000.00 ZZ 360 259,273.69 1 6.375 1,622.07 80 6.125 1,622.07 EDINA MN 55424 5 11/08/02 00 1712540 05 01/01/03 0 1712540 O 12/01/32 0 8460427 286/286 F 356,000.00 ZZ 360 355,052.51 1 6.625 2,279.51 80 6.375 2,279.51 TUCSON AZ 85749 5 11/18/02 00 1724627 03 01/01/03 0 1724627 O 12/01/32 0 1 8460429 286/286 F 353,000.00 ZZ 360 352,013.91 1 6.375 2,202.27 78 6.125 2,202.27 MADISON NJ 07940 5 11/11/02 00 1624580 05 01/01/03 0 1624580 O 12/01/32 0 8460433 286/286 F 87,200.00 ZZ 360 86,960.17 1 7.125 587.49 80 6.875 587.49 MONTGOMERY IL 60538 1 11/27/02 00 1819949 05 01/01/03 0 1819949 N 12/01/32 0 8460437 286/286 F 265,000.00 ZZ 360 264,360.45 4 7.125 1,785.36 90 6.875 1,785.36 PLAINFIELD NJ 07060 1 11/21/02 12 1523645 05 01/01/03 25 1523645 N 12/01/32 0 8460445 286/286 F 454,000.00 ZZ 360 452,700.92 1 6.250 2,795.36 44 6.000 2,795.36 FAIFIELD CT 06890 2 11/18/02 00 1642933 05 01/01/03 0 1642933 O 12/01/32 0 8460453 286/286 F 95,950.00 ZZ 360 95,139.76 1 6.125 583.01 80 5.875 583.01 SALEM VA 24153 1 12/16/02 00 1786407 05 02/01/03 0 1786407 N 01/01/33 0 8460457 286/286 F 78,100.00 ZZ 360 77,929.32 3 1 7.625 552.79 90 7.375 552.79 DAYTON OH 45420 1 11/22/02 10 1736047 05 01/01/03 25 1736047 N 12/01/32 0 8460465 286/286 F 340,000.00 ZZ 360 338,724.53 1 6.500 2,149.04 54 6.250 2,149.04 FREMONT CA 94536 5 11/15/02 00 1586967 05 01/01/03 0 1586967 O 12/01/32 0 8460473 286/286 F 70,400.00 ZZ 360 70,193.66 1 6.125 427.76 80 5.875 427.76 ALBUQUERQUE NM 87105 2 11/20/02 00 1784634 05 01/01/03 0 1784634 N 12/01/32 0 8460475 286/286 F 89,600.00 ZZ 360 89,433.58 1 6.375 558.99 68 6.125 558.99 PHOENIX AZ 85021 2 12/09/02 00 1718021 05 02/01/03 0 1718021 N 01/01/33 0 8460477 286/286 F 33,300.00 ZZ 360 33,212.12 1 6.750 215.99 90 6.500 215.99 TOLEDO OH 43605 1 12/02/02 10 1802104 05 01/01/03 25 1802104 N 12/01/32 0 8460481 286/286 F 310,000.00 ZZ 360 309,112.95 1 6.250 1,908.73 53 6.000 1,908.73 WATSONVILLE CA 95076 2 11/20/02 00 1746433 05 01/01/03 0 1 1746433 O 12/01/32 0 8460487 286/286 F 106,500.00 ZZ 360 106,302.18 1 6.375 664.43 71 6.125 664.43 WALDORF MD 20602 2 12/11/02 00 1747507 05 02/01/03 0 1747507 N 01/01/33 0 8460489 286/286 F 249,600.00 ZZ 360 249,218.97 1 7.375 1,723.93 60 7.125 1,723.93 WASHINGTON DC 20016 1 12/18/02 00 1859807 05 02/01/03 0 1859807 N 01/01/33 0 8460495 286/286 F 340,000.00 ZZ 360 338,718.11 1 6.500 2,149.04 80 6.250 2,149.04 VENTURA CA 93003 1 11/21/02 00 1797581 05 01/01/03 0 1797581 N 12/01/32 0 8460497 286/286 F 285,000.00 ZZ 360 284,203.88 1 6.375 1,778.03 74 6.125 1,778.03 LYNN MA 01905 2 11/25/02 00 1664841 05 01/01/03 0 1664841 O 12/01/32 0 8460531 168/168 F 236,000.00 T 360 235,786.65 1 6.500 1,491.68 80 6.250 1,491.68 MONSEY NY 10952 1 01/07/03 00 0099784769 05 03/01/03 0 0099784769 O 02/01/33 0 1 8460995 P09/G02 F 322,700.00 ZZ 360 322,700.00 1 6.250 1,986.92 85 6.000 1,986.92 BOWIE MD 20716 5 02/17/03 10 0435428271 05 04/01/03 12 00020040 O 03/01/33 0 8461163 A52/G02 F 69,000.00 ZZ 360 69,000.00 1 6.000 413.69 60 5.750 413.69 DECATUR GA 30034 5 02/06/03 00 0435449483 05 04/01/03 0 23351 N 03/01/33 0 8461217 N47/G02 F 137,500.00 ZZ 360 137,500.00 2 6.625 880.43 68 6.375 880.43 CHICO CA 95928 1 02/13/03 00 0435454475 05 04/01/03 0 20502581 N 03/01/33 0 8461229 U35/G02 F 92,800.00 ZZ 360 92,800.00 1 6.625 594.21 80 6.375 594.21 COAL VALLEY IL 61240 1 02/19/03 00 0435426101 05 04/01/03 0 0007653343 O 03/01/33 0 8461231 N47/G02 F 272,000.00 ZZ 360 272,000.00 1 6.000 1,630.78 72 5.750 1,630.78 LA MESA CA 91941 1 02/14/03 00 0435462502 05 04/01/03 0 30502484 O 03/01/33 0 8461305 A06/G02 F 102,000.00 ZZ 360 102,000.00 1 6.375 636.35 61 6.125 636.35 1 YPSILANTI MI 48197 5 02/17/03 00 0435426317 05 04/01/03 0 1000020235284 O 03/01/33 0 8461451 U05/G02 F 178,400.00 ZZ 360 178,400.00 1 6.375 1,112.98 80 6.125 1,112.98 FORT COLLINS CO 80526 2 02/04/03 00 0435424841 03 04/01/03 0 3308856 O 03/01/33 0 8461471 N74/G02 F 75,000.00 ZZ 360 75,000.00 1 6.125 455.71 84 5.875 455.71 TULSA OK 74063 5 02/14/03 10 0435460704 05 04/01/03 12 0031727010 O 03/01/33 0 8461499 M27/G02 F 120,800.00 ZZ 360 120,800.00 1 6.250 743.79 80 6.000 743.79 GARNER NC 27529 1 02/18/03 00 0435428644 03 04/01/03 0 0100026151 O 03/01/33 0 8461541 313/G02 F 120,000.00 ZZ 360 120,000.00 1 6.625 768.38 75 6.375 768.38 PAYSON AZ 85541 2 02/14/03 00 0435428750 05 04/01/03 0 0009310061 N 03/01/33 0 8461561 G27/G02 F 226,500.00 ZZ 360 226,500.00 4 6.500 1,431.63 75 6.250 1,431.63 AUBURN WA 98002 5 02/11/03 00 0435425889 05 04/01/03 0 25503001 O 03/01/33 0 1 8461819 950/G02 F 81,900.00 ZZ 360 81,900.00 1 6.375 510.95 80 6.125 510.95 SPOKANE WA 99223 5 02/09/03 00 0435430913 05 04/01/03 0 EW2C069 O 03/01/33 0 8461949 737/G02 F 189,000.00 ZZ 360 189,000.00 2 6.250 1,163.71 75 6.000 1,163.71 ORLANDO FL 32801 5 02/13/03 00 0435429253 05 04/01/03 0 2106726 N 03/01/33 0 8461961 964/G02 F 129,600.00 ZZ 360 129,474.04 1 6.125 787.46 80 5.875 787.46 CARSON CITY NV 89703 2 01/28/03 00 0435433545 05 03/01/03 0 277794 O 02/01/33 0 8462025 964/G02 F 206,250.00 ZZ 360 206,058.97 1 6.375 1,286.73 69 6.125 1,286.73 ALTA CA 95701 5 01/26/03 00 0435433735 05 03/01/03 0 315459 O 02/01/33 0 8462033 964/G02 F 321,000.00 ZZ 360 320,695.42 1 6.250 1,976.45 75 6.000 1,976.45 SAN JOSE CA 95116 5 01/22/03 00 0435435417 05 03/01/03 0 316706 O 02/01/33 0 8462039 964/G02 F 75,000.00 ZZ 360 75,000.00 1 1 6.625 480.23 53 6.375 480.23 CHICO CA 95926 5 01/31/03 00 0435433784 05 04/01/03 0 317367 O 03/01/33 0 8462047 964/G02 F 235,000.00 ZZ 360 234,802.57 1 6.875 1,543.78 74 6.625 1,543.78 EMERYVILLE CA 94608 2 01/16/03 00 0435434766 05 03/01/03 0 318029 N 02/01/33 0 8462055 964/G02 F 200,000.00 ZZ 360 199,810.24 1 6.250 1,231.43 80 6.000 1,231.43 SACRAMENTO CA 95838 5 01/27/03 00 0435435391 05 03/01/03 0 319242 O 02/01/33 0 8462065 964/G02 F 132,000.00 ZZ 360 131,874.75 1 6.250 812.75 75 6.000 812.75 ANGELS CAMP CA 95222 5 01/28/03 00 0435437249 05 03/01/03 0 319992 O 02/01/33 0 8462073 964/G02 F 57,600.00 ZZ 360 57,600.00 1 6.375 359.35 80 6.125 359.35 GLENDALE AZ 85302 5 02/05/03 00 0435435532 01 04/01/03 0 320259 O 03/01/33 0 8462101 964/G02 F 311,000.00 ZZ 360 310,711.95 1 6.375 1,940.24 52 6.125 1,940.24 SAN FRANCISCO CA 94121 2 01/14/03 00 0435437496 05 03/01/03 0 1 324028 O 02/01/33 0 8462109 964/G02 F 208,500.00 ZZ 360 208,297.35 1 6.125 1,266.87 75 5.875 1,266.87 CLOVIS CA 93611 5 01/29/03 00 0435435227 05 03/01/03 0 324311 O 02/01/33 0 8462127 964/G02 F 252,500.00 ZZ 360 252,282.60 4 6.750 1,637.71 90 6.500 1,637.71 PACIFIC WA 98047 1 01/30/03 04 0435434667 05 03/01/03 25 326774 N 02/01/33 0 8462161 964/G02 F 110,000.00 ZZ 360 109,895.63 1 6.250 677.29 66 6.000 677.29 GROVELAND CA 95321 2 01/28/03 00 0435438189 03 03/01/03 0 335207 O 02/01/33 0 8462177 964/G02 F 335,500.00 ZZ 360 335,196.70 1 6.500 2,120.59 80 6.250 2,120.59 RENTON WA 98055 2 01/28/03 00 0435440946 03 03/01/03 0 340468 O 02/01/33 0 8462273 A50/G02 F 368,000.00 ZZ 360 368,000.00 1 6.000 2,206.35 80 5.750 2,206.35 BIRMINGHAM AL 35243 1 02/05/03 00 0435435789 05 04/01/03 0 988667 O 03/01/33 0 1 8462375 737/G02 F 180,750.00 ZZ 360 180,750.00 1 6.250 1,112.91 60 6.000 1,112.91 ATLANTIC BEACH FL 32233 5 02/10/03 00 0435431382 01 04/01/03 0 2107307 N 03/01/33 0 8464297 E82/G02 F 68,000.00 ZZ 360 68,000.00 1 6.375 424.23 80 6.125 424.23 GOTHENBURG NE 69138 5 02/20/03 00 0400751186 05 04/01/03 0 0400751186 O 03/01/33 0 8464315 E82/G02 F 231,700.00 ZZ 360 231,700.00 1 6.375 1,445.51 73 6.125 1,445.51 GAHANNA OH 43230 2 02/20/03 00 0400766689 05 04/01/03 0 0400766689 O 03/01/33 0 8464327 E82/G02 F 143,800.00 ZZ 360 143,800.00 1 6.375 897.12 48 6.125 897.12 BIGLERVILLE PA 17307 2 02/20/03 00 0400770780 05 04/01/03 0 1897811 O 03/01/33 0 8464345 E82/G02 F 118,100.00 ZZ 360 118,100.00 1 6.125 717.59 68 5.875 717.59 HENDERSON NV 89014 2 02/20/03 00 0400781266 05 04/01/03 0 1569942 O 03/01/33 0 8464589 E22/G02 F 154,000.00 ZZ 360 154,000.00 1 6.250 948.20 77 6.000 948.20 1 DETOUR VILLAGE MI 49725 5 02/17/03 00 0415752526 05 04/01/03 0 0415752526 O 03/01/33 0 8464603 E22/G02 F 177,000.00 ZZ 360 177,000.00 2 6.000 1,061.20 44 5.750 1,061.20 SKOKIE IL 60077 2 02/17/03 00 0415842194 05 04/01/03 0 0415842194 N 03/01/33 0 8464605 E22/G02 F 384,000.00 ZZ 360 384,000.00 1 6.125 2,333.22 80 5.875 2,333.22 NAPERVILLE IL 60564 1 02/21/03 00 0415853746 05 04/01/03 0 0415853746 O 03/01/33 0 8464627 E22/G02 F 58,500.00 ZZ 360 58,500.00 1 6.500 369.76 90 6.250 369.76 AKRON OH 44306 2 02/21/03 04 0415947597 05 04/01/03 12 0415947597 N 03/01/33 0 8464637 E22/G02 F 335,000.00 ZZ 360 335,000.00 1 6.000 2,008.49 79 5.750 2,008.49 VENTURA CA 93003 5 02/12/03 00 0415960806 05 04/01/03 0 0415960806 O 03/01/33 0 8464655 E22/G02 F 71,250.00 ZZ 360 71,250.00 1 6.750 462.13 95 6.500 462.13 MINCO OK 73059 2 02/12/03 04 0416016939 05 04/01/03 30 0416016939 O 03/01/33 0 1 8464663 E22/G02 F 127,500.00 ZZ 360 127,500.00 1 6.875 837.58 85 6.625 837.58 MIDDLETOWN VA 22645 5 02/14/03 10 0416022846 05 04/01/03 12 0416022846 O 03/01/33 0 8464699 E22/G02 F 288,500.00 ZZ 360 288,500.00 1 6.750 1,871.21 95 6.500 1,871.21 WHITTIER CA 90604 5 02/13/03 11 0416031847 05 04/01/03 30 0416031847 O 03/01/33 0 8464705 E22/G02 F 295,500.00 ZZ 360 295,500.00 1 6.125 1,795.49 71 5.875 1,795.49 LAFAYETTE CO 80026 2 02/14/03 00 0416037901 03 04/01/03 0 0416037901 O 03/01/33 0 8464709 E22/G02 F 650,000.00 ZZ 360 650,000.00 1 6.125 3,949.47 80 5.875 3,949.47 UNIVERSITY PARK FL 34201 5 02/17/03 00 0416039543 03 04/01/03 0 0416039543 O 03/01/33 0 8464733 E22/G02 F 238,500.00 ZZ 360 238,500.00 2 6.375 1,487.93 75 6.125 1,487.93 HOUSTON TX 77019 2 02/20/03 00 0416066900 05 04/01/03 0 0416066900 N 03/01/33 0 8464735 E22/G02 F 86,400.00 ZZ 360 86,400.00 1 1 6.250 531.98 80 6.000 531.98 DESOTO TX 75115 1 02/21/03 00 0416076362 05 04/01/03 0 0416076362 N 03/01/33 0 8464739 E22/G02 F 165,000.00 ZZ 360 165,000.00 1 6.750 1,070.19 93 6.500 1,070.19 OLYMPIA WA 98502 5 02/12/03 04 0416078822 09 04/01/03 30 0416078822 O 03/01/33 0 8464741 E22/G02 F 260,000.00 ZZ 360 260,000.00 1 6.500 1,643.38 80 6.250 1,643.38 OXNARD CA 93033 5 02/06/03 00 0416079200 05 04/01/03 0 0416079200 O 03/01/33 0 8464777 E22/G02 F 95,000.00 ZZ 360 95,000.00 1 6.000 569.57 61 5.750 569.57 YUCCA VALLEY CA 92284 1 02/14/03 00 0416154581 05 04/01/03 0 0416154581 O 03/01/33 0 8464807 E22/G02 F 68,800.00 ZZ 360 68,800.00 1 6.250 423.61 80 6.000 423.61 MONTEVALLO AL 35115 2 02/21/03 00 0416253268 05 04/01/03 0 0416253268 N 03/01/33 0 8465243 758/G02 F 48,750.00 ZZ 360 48,710.04 1 7.000 324.33 75 6.750 324.33 SAN ANTONIO TX 78245 5 01/31/03 00 0435464250 05 03/01/03 0 1 461298 N 02/01/33 0 8465249 X82/G02 F 376,800.00 ZZ 360 376,800.00 1 6.125 2,289.48 80 5.875 2,289.48 OAK HILL VA 20171 2 02/11/03 00 0435429527 05 04/01/03 0 848970 O 03/01/33 0 8465251 825/G02 F 109,000.00 T 360 109,000.00 1 5.875 644.78 49 5.625 644.78 ALMA CO 80420 2 02/14/03 00 0435433503 05 04/01/03 0 OSBORNE02603 O 03/01/33 0 8465341 W39/G02 F 100,000.00 ZZ 360 100,000.00 1 7.000 665.31 80 6.750 665.31 SAN ANGELO TX 76904 5 02/06/03 00 0435446711 05 04/01/03 0 PN130485 O 03/01/33 0 8465343 U05/G02 F 280,000.00 ZZ 360 280,000.00 1 6.250 1,724.01 80 6.000 1,724.01 DELHI CA 95315 5 02/04/03 00 0435426846 05 04/01/03 0 3312289 O 03/01/33 0 8465451 U05/G02 F 121,500.00 ZZ 360 121,500.00 1 6.625 777.98 80 6.375 777.98 CARROLLTON TX 75007 5 02/10/03 00 0435427331 05 04/01/03 0 3310648 O 03/01/33 0 1 8465521 964/G02 F 83,500.00 ZZ 360 83,348.61 1 6.500 527.78 47 6.250 527.78 FAIRFIELD WA 99010 5 12/02/02 00 0435437579 05 02/01/03 0 272903 O 01/01/33 0 8465541 964/G02 F 165,000.00 ZZ 360 164,831.77 1 5.875 976.04 46 5.625 976.04 GROVER BEACH CA 93433 5 01/29/03 00 0435437694 05 03/01/03 0 321265 O 02/01/33 0 8465553 964/G02 F 218,000.00 ZZ 360 217,782.98 1 6.000 1,307.02 52 5.750 1,307.02 CARLSBAD CA 92008 5 01/27/03 00 0435436142 05 03/01/03 0 327799 O 02/01/33 0 8465575 964/G02 F 322,700.00 ZZ 360 322,393.81 1 6.250 1,986.92 76 6.000 1,986.92 PASO ROBLES CA 93446 2 01/30/03 00 0435435284 05 03/01/03 0 332528 O 02/01/33 0 8465601 964/G02 F 208,000.00 ZZ 360 207,829.50 2 7.000 1,383.83 80 6.750 1,383.83 COLORADO SPRING CO 80915 1 01/31/03 00 0435474309 05 03/01/03 0 342199 N 02/01/33 0 8465623 964/G02 F 57,000.00 ZZ 360 56,947.20 1 6.375 355.61 80 6.125 355.61 1 BEAUMONT TX 77706 2 01/31/03 00 0435435359 03 03/01/03 0 339209 O 02/01/33 0 8465771 U05/G02 F 216,800.00 ZZ 360 216,800.00 1 6.375 1,352.55 80 6.125 1,352.55 VACAVILLE CA 95688 5 02/03/03 00 0435426721 05 04/01/03 0 3308882 O 03/01/33 0 8465833 E85/G02 F 385,000.00 ZZ 360 384,668.53 1 6.750 2,497.10 70 6.500 2,497.10 SAN RAFAEL CA 94903 5 01/27/03 00 0435434444 05 03/01/03 0 1001511 O 02/01/33 0 8465841 L76/G02 F 204,800.00 ZZ 360 204,800.00 1 5.875 1,211.47 80 5.625 1,211.47 FARIBAULT MN 55021 5 02/18/03 00 0435430053 05 04/01/03 0 9507426 O 03/01/33 0 8465863 F89/G02 F 100,000.00 ZZ 360 100,000.00 1 6.125 607.61 80 5.875 607.61 BAKERSFIELD CA 93311 1 02/14/03 00 0435431986 05 04/01/03 0 27543 O 03/01/33 0 8465933 E44/G02 F 151,050.00 ZZ 360 151,050.00 2 6.625 967.19 95 6.375 967.19 SALT LAKE CITY UT 84106 1 02/20/03 12 0435430442 05 04/01/03 30 100084900520300 O 03/01/33 0 1 8465957 758/G02 F 350,000.00 TX 360 350,000.00 1 6.125 2,126.64 67 5.875 2,126.64 AUSTIN TX 78735 5 02/07/03 00 0435459516 05 04/01/03 0 502724 O 03/01/33 0 8466013 N74/G02 F 91,750.00 ZZ 240 91,750.00 1 6.125 663.96 76 5.875 663.96 CAPE GIRARDEAU MO 63701 5 02/18/03 00 0435461991 05 04/01/03 0 0031734010 O 03/01/23 0 8466027 N74/G02 F 106,200.00 ZZ 360 106,101.64 1 6.375 662.55 90 6.125 662.55 TRINITY NC 27370 2 02/18/03 10 0435462098 05 03/24/03 25 0031754010 O 02/24/33 0 8466037 883/G02 F 304,200.00 ZZ 360 304,200.00 1 6.500 1,922.75 74 6.250 1,922.75 FREDERICK MD 21701 2 02/11/03 00 0435430681 03 04/01/03 0 05020193 O 03/01/33 0 8466051 U35/G02 F 108,000.00 ZZ 360 108,000.00 1 6.500 682.63 90 6.250 682.63 FOREST CITY IA 50436 5 02/20/03 01 0435450648 04 04/01/03 25 0007724749 O 03/01/33 0 8466179 U19/G02 F 195,000.00 ZZ 360 195,000.00 1 1 6.375 1,216.55 75 6.125 1,216.55 LITTLETON CO 80127 5 02/21/03 00 0435440417 09 04/01/03 0 15150012 N 03/01/33 0 8466833 E82/G02 F 85,000.00 ZZ 360 85,000.00 1 6.125 516.47 73 5.875 516.47 AURORA CO 80017 2 02/21/03 00 0400777462 01 04/01/03 0 8026428 O 03/01/33 0 8466867 E82/G02 F 290,500.00 ZZ 360 290,500.00 1 6.125 1,765.11 80 5.875 1,765.11 LOS ANGELES CA 90065 2 02/18/03 00 0400783767 05 04/01/03 0 4439952 O 03/01/33 0 8466869 E82/G02 F 65,900.00 ZZ 360 65,900.00 1 6.625 421.96 86 6.375 421.96 KANNAPOLIS NC 28081 2 02/18/03 04 0400751285 05 04/01/03 25 1890777 N 03/01/33 0 8467025 E22/G02 F 97,100.00 ZZ 360 97,100.00 2 6.125 589.99 80 5.875 589.99 SOUTH PADRE ISL TX 78597 1 02/24/03 00 0416172872 05 04/01/03 0 0416172872 N 03/01/33 0 8467027 E22/G02 F 110,200.00 ZZ 360 110,200.00 1 6.125 669.59 95 5.875 669.59 SUMMERVILLE SC 29483 2 02/18/03 10 0416174092 05 04/01/03 30 1 0416174092 O 03/01/33 0 8467029 E22/G02 F 103,500.00 ZZ 360 103,500.00 1 6.375 645.71 75 6.125 645.71 SACRAMENTO CA 95838 2 02/19/03 00 0416176964 05 04/01/03 0 0416176964 N 03/01/33 0 8467035 E22/G02 F 276,000.00 ZZ 360 276,000.00 1 6.500 1,744.51 80 6.250 1,744.51 OAKLAND CA 94608 1 02/14/03 00 0416182442 05 04/01/03 0 0416182442 N 03/01/33 0 8467057 E22/G02 F 63,190.00 ZZ 360 63,190.00 1 7.000 420.40 89 6.750 420.40 FORT WAYNE IN 46825 1 02/24/03 04 0416259901 05 04/01/03 25 0416259901 N 03/01/33 0 8467085 E22/G02 F 124,000.00 ZZ 360 124,000.00 1 6.375 773.60 80 6.125 773.60 LOVELAND CO 80537 5 02/19/03 00 0416102036 05 04/01/03 0 0416102036 O 03/01/33 0 8467089 E22/G02 F 84,000.00 ZZ 360 84,000.00 1 6.875 551.82 94 6.625 551.82 NASHVILLE TN 37217 5 02/18/03 04 0416103737 07 04/01/03 30 0416103737 O 03/01/33 0 1 8467103 E22/G02 F 94,500.00 ZZ 360 94,500.00 2 7.750 677.01 90 7.500 677.01 PATERSON NJ 07522 1 02/24/03 01 0416117547 05 04/01/03 25 0416117547 N 03/01/33 0 8467111 E22/G02 F 84,000.00 ZZ 360 84,000.00 1 6.875 551.82 80 6.625 551.82 GLENCOE AL 35905 1 02/24/03 00 0415457324 05 04/01/03 0 0415457324 O 03/01/33 0 8467115 E22/G02 F 47,250.00 ZZ 360 47,183.09 1 7.750 338.51 90 7.500 338.51 DETROIT MI 48221 1 12/27/02 04 0415681618 05 02/01/03 25 0415681618 N 01/01/33 0 8467123 E22/G02 F 315,000.00 ZZ 360 315,000.00 1 6.875 2,069.33 70 6.625 2,069.33 KEY LARGO FL 33037 5 02/24/03 00 0415740000 01 04/01/03 0 0415740000 O 03/01/33 0 8467141 E22/G02 F 72,000.00 ZZ 360 72,000.00 1 5.875 425.91 78 5.625 425.91 WESTWEGO LA 70094 5 02/19/03 00 0415802354 05 04/01/03 0 0415802354 O 03/01/33 0 8467143 E22/G02 F 307,500.00 ZZ 360 307,500.00 1 6.125 1,868.40 76 5.875 1,868.40 1 CONCORD CA 94518 5 02/12/03 00 0415807361 05 04/01/03 0 0415807361 O 03/01/33 0 8467195 E22/G02 F 294,000.00 ZZ 360 294,000.00 1 6.250 1,810.21 80 6.000 1,810.21 MURRIETA CA 92562 5 02/10/03 00 0415898557 05 04/01/03 0 0415898857 O 03/01/33 0 8467197 E22/G02 F 66,800.00 ZZ 360 66,800.00 1 7.750 478.56 87 7.500 478.56 SAINT LOUIS MO 63118 1 02/24/03 04 0415901099 05 04/01/03 20 0415901099 N 03/01/33 0 8467201 E22/G02 F 52,000.00 ZZ 360 52,000.00 4 7.875 377.04 38 7.625 377.04 ST. LOUIS MO 63130 5 02/24/03 00 0415904341 05 04/01/03 0 0415904341 N 03/01/33 0 8467203 E22/G02 F 73,600.00 ZZ 360 73,600.00 1 6.500 465.20 80 6.250 465.20 OMAHA NE 68131 2 02/24/03 00 0418467203 01 04/01/03 0 0415907013 N 03/01/33 0 8467207 E22/G02 F 69,300.00 ZZ 360 69,300.00 1 6.500 438.02 76 6.250 438.02 OMAHA NE 68131 2 02/24/03 00 0415907948 01 04/01/03 0 0415907948 N 03/01/33 0 1 8467211 E22/G02 F 82,400.00 ZZ 360 82,400.00 1 6.875 541.31 80 6.625 541.31 BELTON TX 76513 5 02/18/03 00 0415909704 05 04/01/03 0 0415909704 O 03/01/33 0 8467249 E22/G02 F 99,900.00 ZZ 240 99,900.00 1 6.125 722.94 80 5.875 722.94 BURLESON TX 76028 4 02/24/03 00 0415956234 05 04/01/03 0 0415956234 O 03/01/23 0 8467253 E22/G02 F 320,000.00 ZZ 360 320,000.00 1 6.875 2,102.17 80 6.625 2,102.17 CASTLE ROCK CO 80104 5 02/19/03 00 0415959121 03 04/01/03 0 0415959121 O 03/01/33 0 8467263 E22/G02 F 370,000.00 ZZ 360 370,000.00 1 6.875 2,430.64 79 6.625 2,430.64 LOS ANGELES CA 90064 2 02/07/03 00 0415964147 05 04/01/03 0 0415964147 O 03/01/33 0 8467269 E22/G02 F 88,000.00 ZZ 360 88,000.00 1 6.250 541.83 74 6.000 541.83 ARLINGTON TX 76013 2 02/18/03 00 0415970110 05 04/01/03 0 0415970110 O 03/01/33 0 8467279 E22/G02 F 195,000.00 ZZ 360 195,000.00 1 1 6.500 1,232.53 69 6.250 1,232.53 MT. LAUREL NJ 08054 5 02/19/03 00 0415982065 05 04/01/03 0 0415982065 O 03/01/33 0 8467317 E22/G02 F 161,000.00 ZZ 360 161,000.00 1 6.875 1,057.66 57 6.625 1,057.66 TAMPA FL 33609 2 02/24/03 00 0416023687 05 04/01/03 0 0416023687 N 03/01/33 0 8467333 E22/G02 F 545,000.00 ZZ 360 545,000.00 1 6.625 3,489.69 74 6.375 3,489.69 LOS GATOS CA 95033 5 02/10/03 00 0416046324 05 04/01/03 0 0416046324 O 03/01/33 0 8467341 E22/G02 F 104,800.00 ZZ 240 104,800.00 1 6.250 766.01 80 6.000 766.01 RICHARDSON TX 75081 5 02/19/03 00 0416052751 05 04/01/03 0 0416052751 O 03/01/23 0 8467347 E22/G02 F 129,500.00 ZZ 360 129,500.00 1 6.125 786.86 80 5.875 786.86 LOVELAND CO 80538 5 02/19/03 00 0416056018 05 04/01/03 0 0416056018 O 03/01/33 0 8467355 E22/G02 F 104,000.00 ZZ 360 104,000.00 1 6.250 640.35 80 6.000 640.35 MARBLE FALLS TX 78654 5 02/18/03 00 0416059293 05 04/01/03 0 1 0416059293 O 03/01/33 0 8467373 E22/G02 F 308,550.00 T 360 308,550.00 1 6.375 1,924.95 73 6.125 1,924.95 OCEAN CITY MD 21842 2 02/24/03 00 0416126142 06 04/01/03 0 0416126142 O 03/01/33 0 8467383 E22/G02 F 392,400.00 ZZ 360 392,400.00 1 6.125 2,384.26 90 5.875 2,384.26 SAN FRANCISCO CA 94132 1 02/13/03 04 0416134294 07 04/01/03 25 0416134294 O 03/01/33 0 8467387 E22/G02 F 650,000.00 ZZ 360 650,000.00 1 6.125 3,949.47 39 5.875 3,949.47 HIGHLAND PARK TX 75205 2 02/18/03 00 0416138550 05 04/01/03 0 0416138550 O 03/01/33 0 8467399 E22/G02 F 556,000.00 ZZ 360 556,000.00 1 6.125 3,378.31 80 5.875 3,378.31 RANCHO PALOS VE CA 90275 5 02/13/03 00 0416149789 05 04/01/03 0 0416149789 O 03/01/33 0 8467407 E22/G02 F 45,000.00 ZZ 360 45,000.00 1 6.500 284.43 75 6.250 284.43 SPOKANE WA 99202 2 02/19/03 00 0416162436 05 04/01/03 0 0416162436 N 03/01/33 0 1 8467429 E22/G02 F 432,000.00 ZZ 360 432,000.00 1 6.250 2,659.90 80 6.000 2,659.90 BELLAIRE TX 77401 5 02/18/03 00 0416075182 05 04/01/03 0 0416075182 O 03/01/33 0 8467433 E22/G02 F 72,000.00 ZZ 360 72,000.00 1 6.500 455.09 90 6.250 455.09 LAWTON OK 73507 5 02/19/03 04 0416077600 05 04/01/03 30 0416077600 O 03/01/33 0 8467441 E22/G02 F 100,800.00 ZZ 360 100,800.00 1 6.500 637.12 80 6.250 637.12 FORT WORTH TX 76116 5 02/18/03 00 0416081453 05 04/01/03 0 0416081453 O 03/01/33 0 8467627 E11/G02 F 400,000.00 ZZ 360 400,000.00 1 6.250 2,462.87 80 6.000 2,462.87 EDINA MN 55439 5 02/14/03 00 0435431895 05 04/01/03 0 0010001053958 O 03/01/33 0 8467761 A50/G02 F 84,000.00 ZZ 360 83,920.30 1 6.250 517.20 74 6.000 517.20 FERNANDINA BEAC FL 32034 5 01/17/03 00 0435435755 01 03/01/03 0 976386 O 02/01/33 0 8467773 K15/G02 F 117,500.00 ZZ 360 117,500.00 1 6.125 713.94 60 5.875 713.94 1 SHERWOOD OR 97140 2 01/29/03 00 0435431473 05 04/01/03 0 006505505809 O 03/01/33 0 8467813 T44/G02 F 140,000.00 ZZ 360 140,000.00 1 6.000 839.37 71 5.750 839.37 EL DORADO HILLS CA 95762 2 02/05/03 00 0435436639 03 04/01/03 0 1066419 N 03/01/33 0 8467851 X31/G02 F 256,000.00 ZZ 360 256,000.00 1 6.125 1,555.48 73 5.875 1,555.48 UPLAND CA 91784 5 02/12/03 00 0435438130 05 04/01/03 0 11001657 O 03/01/33 0 8467865 T44/G02 F 141,600.00 ZZ 360 141,600.00 1 6.000 848.96 80 5.750 848.96 EL DORADO HILLS CA 95762 2 02/05/03 00 0435436050 09 04/01/03 0 1066421 N 03/01/33 0 8472455 N47/G02 F 520,000.00 ZZ 360 520,000.00 2 6.125 3,159.57 73 5.875 3,159.57 SAN JOSE CA 95123 5 02/11/03 00 0435433933 05 04/01/03 0 20501812 O 03/01/33 0 8472659 E82/G02 F 146,000.00 ZZ 360 146,000.00 1 6.875 959.12 73 6.625 959.12 CHIMAYO NM 87522 5 02/20/03 00 0400743092 05 04/01/03 0 3157379 N 03/01/33 0 1 8472671 E82/G02 F 126,500.00 ZZ 360 126,500.00 1 6.375 789.20 82 6.125 789.20 FARMERSVILLE TX 75442 2 02/18/03 04 0400776340 05 04/01/03 12 2826345 O 03/01/33 0 8472679 E82/G02 F 80,000.00 ZZ 360 80,000.00 1 6.125 486.09 70 5.875 486.09 COLORADO SPRING CO 80909 2 02/22/03 00 0400785176 05 04/01/03 0 2760526 O 03/01/33 0 8472685 E82/G02 F 68,000.00 ZZ 360 68,000.00 1 6.125 413.18 78 5.875 413.18 MIAMI FL 33157 2 02/18/03 00 0400780086 05 04/01/03 0 1965167 O 03/01/33 0 8472699 E82/G02 F 307,000.00 ZZ 360 307,000.00 1 7.125 2,068.32 71 6.875 2,068.32 SAN JOSE CA 95139 5 02/20/03 00 0400785630 05 04/01/03 0 0400785630 O 03/01/33 0 8472897 975/G02 F 400,000.00 ZZ 360 400,000.00 1 6.125 2,430.44 79 5.875 2,430.44 BUENA PARK CA 90621 5 02/03/03 00 0435435987 03 04/01/03 0 2030363 O 03/01/33 0 8472931 168/168 F 200,000.00 ZZ 360 199,847.82 2 1 7.375 1,381.35 80 7.125 1,381.35 STONY POINT NY 10980 1 01/30/03 00 0099890674 05 03/01/03 0 0099890674 N 02/01/33 0 8472937 975/G02 F 211,200.00 ZZ 360 211,200.00 1 6.000 1,266.25 60 5.750 1,266.25 WESTMINSTER CA 92683 1 02/07/03 00 0435436365 05 04/01/03 0 2030593 N 03/01/33 0 8472979 B39/G02 F 221,500.00 ZZ 360 221,500.00 1 7.625 1,567.76 58 7.375 1,567.76 SHOREVIEW MN 55126 5 02/25/03 00 0435466719 05 04/01/03 0 20030639F N 03/01/33 0 8473015 L86/G02 F 77,900.00 ZZ 360 77,900.00 1 6.375 485.99 95 6.125 485.99 LIVINGSTON CA 95334 1 02/04/03 11 0435437298 05 04/01/03 30 14500586 O 03/01/33 0 8473035 R84/G02 F 223,500.00 ZZ 360 223,500.00 2 6.500 1,412.67 75 6.250 1,412.67 PUYALLUP WA 98373 2 02/01/03 00 0435525894 05 04/01/03 0 WA301238 N 03/01/33 0 8473179 E22/G02 F 181,000.00 ZZ 360 181,000.00 1 6.250 1,114.45 83 6.000 1,114.45 EUGENE OR 97403 2 02/12/03 10 0416020709 05 04/01/03 12 1 0416020709 O 03/01/33 0 8473243 E22/G02 F 228,000.00 ZZ 360 228,000.00 1 7.250 1,555.36 95 7.000 1,555.36 GRANTS PASS OR 97527 1 02/20/03 10 0416046308 05 04/01/03 35 0416046308 O 03/01/33 0 8473249 E22/G02 F 220,500.00 ZZ 360 220,500.00 1 6.375 1,375.63 90 6.125 1,375.63 BROOKINGS OR 97415 1 02/11/03 04 0416047207 05 04/01/03 25 0416047207 N 03/01/33 0 8473297 E22/G02 F 205,000.00 ZZ 360 205,000.00 4 7.250 1,398.46 53 7.000 1,398.46 AUBURN CA 95602 5 02/17/03 00 0416194488 05 04/01/03 0 0416194488 N 03/01/33 0 8473329 E22/G02 F 130,000.00 ZZ 360 130,000.00 1 6.125 789.89 70 5.875 789.89 SANDIA PARK NM 87047 2 02/25/03 00 0416163962 05 04/01/03 0 0416163962 N 03/01/33 0 8473359 E22/G02 F 125,360.00 ZZ 360 125,360.00 1 6.000 751.60 80 5.750 751.60 MI WUK VILLAGE CA 95346 1 02/14/03 00 0416173995 05 04/01/03 0 0416173995 N 03/01/33 0 1 8473363 E22/G02 F 148,100.00 ZZ 360 148,100.00 1 6.000 887.93 80 5.750 887.93 PLAIN CITY UT 84404 5 02/18/03 00 0416176402 05 04/01/03 0 0416176402 O 03/01/33 0 8473371 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 5.875 1,183.08 80 5.625 1,183.08 MIAMI FL 33134 5 02/20/03 00 0416184679 05 04/01/03 0 0416184679 O 03/01/33 0 8473387 Q31/G02 F 306,750.00 ZZ 360 306,750.00 1 5.875 1,814.55 66 5.625 1,814.55 ANAHEIM CA 92807 2 02/19/03 00 0435437215 03 04/01/03 0 SD885735 O 03/01/33 0 8473393 Q59/G02 F 398,500.00 ZZ 360 398,500.00 1 6.250 2,453.63 66 6.000 2,453.63 GLENDALE CA 91206 2 02/13/03 00 0435461603 05 04/01/03 0 0000501305 O 03/01/33 0 8473443 E22/G02 F 310,000.00 ZZ 360 310,000.00 1 6.125 1,883.59 78 5.875 1,883.59 RANCHO CUCAMONG CA 91730 2 02/13/03 00 0415824663 03 04/01/03 0 0415824663 O 03/01/33 0 8473541 E22/G02 F 74,635.00 ZZ 360 74,635.00 1 6.500 471.74 93 6.250 471.74 1 CHURUBUSCO IN 46723 2 02/20/03 11 0416096857 05 04/01/03 30 0416096857 O 03/01/33 0 8473565 E22/G02 F 74,250.00 ZZ 360 74,250.00 1 6.250 457.17 80 6.000 457.17 LOUISVILLE KY 40214 5 02/20/03 00 0416121739 01 04/01/03 0 0416121739 O 03/01/33 0 8473785 S11/G02 F 216,000.00 ZZ 360 216,000.00 2 6.250 1,329.95 80 6.000 1,329.95 LONG BEACH CA 90810 5 02/14/03 00 0435463948 05 04/01/03 0 10210928 O 03/01/33 0 8473821 M27/G02 F 715,000.00 ZZ 360 715,000.00 1 6.125 4,344.42 60 5.875 4,344.42 CARY NC 27513 2 02/17/03 00 0435459854 03 04/01/03 0 0100019242 O 03/01/33 0 8473855 K15/G02 F 82,300.00 ZZ 360 82,300.00 1 6.875 540.65 90 6.625 540.65 FORT WALTON BEA FL 32548 5 02/11/03 41 0435437256 05 04/01/03 25 009305506780 O 03/01/33 0 8473901 U42/G02 F 108,810.00 ZZ 360 108,810.00 1 6.125 661.14 90 5.875 661.14 EULESS TX 76039 1 02/20/03 12 0435436886 05 04/01/03 25 36300079 O 03/01/33 0 1 8473903 N47/G02 F 396,000.00 ZZ 360 396,000.00 1 6.875 2,601.44 74 6.625 2,601.44 SAN DIEGO CA 92109 2 02/11/03 00 0435433529 01 04/01/03 0 30501859 O 03/01/33 0 8473913 S43/G02 F 220,000.00 ZZ 360 220,000.00 1 6.375 1,372.51 80 6.125 1,372.51 GLORIETA NM 87535 5 02/14/03 00 0435433958 05 04/01/03 0 021642 O 03/01/33 0 8474033 477/G02 F 97,000.00 ZZ 360 97,000.00 1 6.375 605.15 75 6.125 605.15 EUGENE OR 97405 2 02/10/03 00 0435451331 05 04/01/03 0 226206 N 03/01/33 0 8474045 X67/G02 F 60,800.00 ZZ 360 60,740.90 1 6.125 369.43 80 5.875 369.43 VIRGINIA BEACH VA 23455 1 01/29/03 00 0435439823 05 03/01/03 0 00241586 O 02/01/33 0 8474055 738/G02 F 202,000.00 ZZ 360 202,000.00 1 6.375 1,260.22 70 6.125 1,260.22 LANDRUM SC 29356 2 02/14/03 00 0435434618 05 04/01/03 0 40859587 O 03/01/33 0 8474059 W51/G02 F 59,600.00 ZZ 360 59,600.00 1 1 7.625 421.85 80 7.375 421.85 SODDY DAISY TN 37379 1 02/21/03 00 0435457775 05 04/01/03 0 6971 N 03/01/33 0 8474061 U05/G02 F 216,500.00 ZZ 360 216,500.00 1 6.250 1,333.03 76 6.000 1,333.03 EUGENE OR 97405 5 02/13/03 00 0435526983 05 04/01/03 0 3306061 O 03/01/33 0 8474145 E57/G02 F 272,000.00 ZZ 360 272,000.00 1 6.375 1,696.93 80 6.125 1,696.93 WESTMINSTER CA 92683 2 02/11/03 00 0435435904 05 04/01/03 0 06013444 O 03/01/33 0 8474189 E57/G02 F 393,750.00 ZZ 360 393,750.00 1 6.750 2,553.86 75 6.500 2,553.86 TEMECULA CA 92592 5 02/18/03 00 0435452610 05 04/01/03 0 06013288 O 03/01/33 0 8474251 A01/G02 F 280,000.00 ZZ 360 280,000.00 1 6.500 1,769.79 80 6.250 1,769.79 VALLEJO CA 94591 5 02/14/03 00 0435437454 05 04/01/03 0 CASTADA O 03/01/33 0 8474281 B39/G02 F 297,000.00 ZZ 360 297,000.00 1 7.625 2,102.15 70 7.375 2,102.15 NORTH OAKS MN 55127 5 02/25/03 00 0435466792 05 04/01/03 0 1 20030637F N 03/01/33 0 8474351 168/168 F 372,000.00 ZZ 360 372,000.00 1 6.500 2,351.29 80 6.250 2,351.29 FLUSHING NY 11367 1 02/10/03 00 0099757788 07 04/01/03 0 0099757788 O 03/01/33 0 8474407 313/G02 F 43,200.00 ZZ 360 43,073.72 1 7.625 305.77 80 7.375 305.77 MEMPHIS TN 38122 1 10/18/02 00 0435442710 05 12/01/02 0 9039959 N 11/01/32 0 8474409 313/G02 F 325,000.00 ZZ 360 324,698.98 1 6.375 2,027.58 85 6.125 2,027.58 GERMANTOWN TN 38138 2 01/13/03 01 0435450432 05 03/01/03 12 9209461 O 02/01/33 0 8474431 313/G02 F 249,600.00 ZZ 360 249,600.00 2 6.750 1,618.91 75 6.500 1,618.91 CHICAGO IL 60641 5 01/29/03 00 0435450473 05 04/01/03 0 9315854 O 03/01/33 0 8474433 313/G02 F 562,500.00 ZZ 360 561,991.49 1 6.500 3,555.39 75 6.250 3,555.39 MILPITAS CA 95035 5 01/29/03 00 0435447172 05 03/01/03 0 9282708 O 02/01/33 0 1 8474441 313/G02 F 181,800.00 ZZ 360 181,647.26 2 6.875 1,194.30 73 6.625 1,194.30 MILFORD CT 06460 2 02/07/03 00 0435442843 05 03/01/03 0 9238015 N 02/01/33 0 8474443 313/G02 F 34,500.00 ZZ 360 34,500.00 1 7.000 229.53 75 6.750 229.53 SAINT PETERSBUR FL 33712 5 02/07/03 00 0435435508 05 04/01/03 0 9324138 N 03/01/33 0 8474445 313/G02 F 39,000.00 ZZ 360 39,000.00 1 7.000 259.47 75 6.750 259.47 SAINT PETERSBUR FL 33711 5 02/07/03 00 0435439401 05 04/01/03 0 9323205 N 03/01/33 0 8474493 A06/G02 F 296,000.00 ZZ 360 296,000.00 1 6.125 1,798.53 80 5.875 1,798.53 LAPEER MI 48446 5 02/20/03 00 0435453014 05 04/01/03 0 21000020300176 O 03/01/33 0 8475053 E82/G02 F 60,200.00 ZZ 360 60,200.00 1 6.125 365.78 45 5.875 365.78 HYDE PARK MA 02136 2 02/24/03 00 0400789384 05 04/01/03 0 0400789384 O 03/01/33 0 8475079 E82/G02 F 191,700.00 ZZ 360 191,700.00 1 6.375 1,195.96 63 6.125 1,195.96 1 SUMNER WA 98390 2 02/24/03 00 0400785879 05 04/01/03 0 400785879 O 03/01/33 0 8475101 E82/G02 F 136,900.00 ZZ 360 136,900.00 1 6.500 865.30 41 6.250 865.30 OXNARD CA 93035 2 02/20/03 00 0400774774 05 04/01/03 0 2850153 N 03/01/33 0 8475127 E82/G02 F 114,500.00 ZZ 360 114,500.00 1 6.125 695.71 87 5.875 695.71 MILAN MI 48160 2 02/24/03 10 0400784427 05 04/01/03 25 0400784427 O 03/01/33 0 8475135 E82/G02 F 124,500.00 ZZ 360 124,500.00 1 6.125 756.48 86 5.875 756.48 WHITTIER CA 90604 2 02/21/03 10 0400770335 01 04/01/03 25 8154624 O 03/01/33 0 8475137 E82/G02 F 121,300.00 ZZ 360 121,300.00 1 6.375 756.75 48 6.125 756.75 GENOA NV 89411 5 02/24/03 00 0400781852 05 04/01/03 0 1839776 O 03/01/33 0 8475139 E82/G02 F 237,500.00 ZZ 360 237,500.00 1 6.125 1,443.08 73 5.875 1,443.08 DIXON CA 95620 2 02/19/03 00 0400776274 05 04/01/03 0 7607349 O 03/01/33 0 1 8475165 E82/G02 F 110,000.00 ZZ 360 110,000.00 1 6.375 686.26 69 6.125 686.26 DAPHNE AL 36526 2 02/24/03 00 0400786182 05 04/01/03 0 5008115 O 03/01/33 0 8475217 E22/G02 F 62,000.00 ZZ 360 62,000.00 2 6.125 376.72 66 5.875 376.72 FARMINGTON NM 87401 5 02/20/03 00 0415620921 05 04/01/03 0 0415620921 O 03/01/33 0 8475223 E22/G02 F 60,000.00 ZZ 360 59,957.65 1 7.750 429.85 80 7.500 429.85 BATTLE CREEK MI 49017 5 01/28/03 00 0415703610 05 03/01/03 0 0415703610 N 02/01/33 0 8475249 E22/G02 F 87,000.00 ZZ 360 87,000.00 1 7.625 615.78 75 7.375 615.78 CARLTON GA 30627 5 02/26/03 00 0415844448 05 04/01/03 0 0415844448 N 03/01/33 0 8475251 E22/G02 F 81,500.00 ZZ 360 81,500.00 1 6.375 508.45 17 6.125 508.45 CHATHAM NJ 07928 5 02/20/03 00 0415858489 05 04/01/03 0 0415858489 O 03/01/33 0 8475277 E22/G02 F 69,000.00 ZZ 360 69,000.00 1 1 7.750 494.32 75 7.500 494.32 ADRIAN MI 49221 2 02/26/03 00 0415956002 05 04/01/03 0 0415956002 N 03/01/33 0 8475301 E22/G02 F 220,000.00 ZZ 360 220,000.00 1 6.250 1,354.58 62 6.000 1,354.58 LIVERMORE CA 94551 2 02/19/03 00 0416083319 05 04/01/03 0 0416083319 O 03/01/33 0 8475351 E22/G02 F 59,500.00 ZZ 360 59,500.00 1 6.500 376.08 85 6.250 376.08 PANAMA CITY BEA FL 32413 5 02/21/03 04 0416121705 03 04/01/03 12 0416121705 O 03/01/33 0 8475369 E22/G02 F 96,400.00 ZZ 360 96,400.00 1 6.250 593.55 80 6.000 593.55 WATERFORD CT 06375 1 02/26/03 00 0416201598 05 04/01/03 0 0416201598 O 03/01/33 0 8475383 E22/G02 F 239,500.00 ZZ 360 239,500.00 1 6.250 1,474.64 84 6.000 1,474.64 STOCKTON CA 95212 5 02/19/03 04 0416208825 05 04/01/03 12 0416208825 O 03/01/33 0 8475393 E22/G02 F 105,925.00 ZZ 360 105,925.00 1 6.375 660.83 95 6.125 660.83 CHARLOTTE NC 28209 1 02/26/03 01 0416227536 01 04/01/03 30 1 0416227536 O 03/01/33 0 8475429 E22/G02 F 130,800.00 ZZ 360 130,800.00 1 6.750 848.37 90 6.500 848.37 LAS VEGAS NV 89122 1 02/12/03 04 0416032589 03 04/01/03 25 0416032589 N 03/01/33 0 8475431 E22/G02 F 87,500.00 ZZ 360 87,500.00 1 6.250 538.75 72 6.000 538.75 WEST DEPTFORD T NJ 08086 5 02/21/03 00 0416033090 05 04/01/03 0 0416033090 O 03/01/33 0 8475439 E22/G02 F 116,000.00 ZZ 360 116,000.00 1 6.375 723.69 80 6.125 723.69 KENT WA 98032 2 02/06/03 00 0416059921 01 04/01/03 0 0416059921 O 03/01/33 0 8475441 E22/G02 F 293,000.00 ZZ 360 293,000.00 1 5.875 1,733.21 75 5.625 1,733.21 R. SANTA MARGAR CA 92679 5 02/14/03 00 0416060697 03 04/01/03 0 0416060697 O 03/01/33 0 8475455 E22/G02 F 204,000.00 ZZ 360 204,000.00 1 6.250 1,256.06 80 6.000 1,256.06 CHINO HILLS CA 91709 5 02/18/03 00 0416078376 09 04/01/03 0 0416078376 O 03/01/33 0 1 8475457 E22/G02 F 108,000.00 ZZ 360 108,000.00 2 7.500 755.15 80 7.250 755.15 WAUKEGAN IL 60087 1 02/26/03 00 0416137628 05 04/01/03 0 0416137628 N 03/01/33 0 8475461 E22/G02 F 540,000.00 ZZ 360 540,000.00 1 6.500 3,413.17 75 6.250 3,413.17 GROTON MA 01450 5 02/21/03 00 0416139236 05 04/01/03 0 0416139236 O 03/01/33 0 8475481 E22/G02 F 96,000.00 ZZ 360 96,000.00 1 6.250 591.09 56 6.000 591.09 WADSWORTH OH 44281 5 02/21/03 00 0416174787 05 04/01/03 0 0416174787 O 03/01/33 0 8475491 E22/G02 F 85,500.00 ZZ 360 85,500.00 1 6.625 547.47 75 6.375 547.47 TERREBONNE OR 97760 5 02/20/03 00 0416186997 05 04/01/03 0 0416186997 N 03/01/33 0 8475493 E22/G02 F 192,000.00 ZZ 360 192,000.00 1 6.625 1,229.40 80 6.375 1,229.40 CURTIS WA 98538 2 02/17/03 00 0416188167 05 04/01/03 0 0416188167 N 03/01/33 0 8476049 T44/G02 F 252,450.00 ZZ 360 252,450.00 4 6.500 1,595.66 85 6.250 1,595.66 1 EUREKA CA 95501 1 02/05/03 11 0435488663 05 04/01/03 20 1063911 N 03/01/33 0 8476165 T44/G02 F 255,000.00 ZZ 360 255,000.00 1 6.250 1,570.08 75 6.000 1,570.08 ROCKLIN CA 95677 5 02/04/03 00 0435441373 05 04/01/03 0 1065275 O 03/01/33 0 8476225 Q14/G02 F 93,600.00 ZZ 360 93,600.00 1 6.250 576.31 80 6.000 576.31 AVONDALE AZ 85323 2 02/19/03 00 0435434048 05 04/01/03 0 0000311630 O 03/01/33 0 8476279 G34/G02 F 104,800.00 ZZ 360 104,800.00 1 6.875 688.46 80 6.625 688.46 CEDAR PARK TX 78613 5 02/14/03 00 0435450093 05 04/01/03 0 85213102 O 03/01/33 0 8476373 F61/G02 F 400,000.00 ZZ 360 400,000.00 1 6.250 2,462.87 80 6.000 2,462.87 SEATTLE WA 98125 1 02/19/03 00 0435508270 05 04/01/03 0 030233B O 03/01/33 0 8476393 E11/G02 F 133,700.00 ZZ 360 133,700.00 2 6.000 801.60 74 5.750 801.60 MINNEAPOLIS MN 55404 5 02/18/03 00 0435448675 05 04/01/03 0 0003001052946 O 03/01/33 0 1 8476461 967/G02 F 218,000.00 ZZ 360 218,000.00 1 6.250 1,342.26 80 6.000 1,342.26 APACHE JUNCTION AZ 85219 5 02/19/03 00 0435445788 05 04/01/03 0 5975867 O 03/01/33 0 8476653 F34/G02 F 392,000.00 ZZ 360 392,000.00 1 6.125 2,381.83 78 5.875 2,381.83 BROOKEVILLE MD 20833 2 02/11/03 00 0435435482 05 04/01/03 0 45301023 O 03/01/33 0 8476659 950/G02 F 178,000.00 ZZ 360 178,000.00 1 6.375 1,110.49 26 6.125 1,110.49 SEATTLE WA 98102 5 02/19/03 00 0435439617 05 04/01/03 0 EW31284 O 03/01/33 0 8476695 A06/G02 F 388,000.00 ZZ 360 388,000.00 1 6.000 2,326.26 47 5.750 2,326.26 BLOOMFIELD HILL MI 48301 2 02/21/03 00 0435453675 05 04/01/03 0 021000020301843 O 03/01/33 0 8476937 N47/G02 F 380,000.00 ZZ 360 380,000.00 1 6.250 2,339.73 80 6.000 2,339.73 ALAMEDA CA 94501 2 02/07/03 00 0435453923 05 04/01/03 0 20502494 O 03/01/33 0 8476945 950/G02 F 270,900.00 ZZ 360 270,900.00 1 1 6.375 1,690.06 90 6.125 1,690.06 LAKE FOREST PAR WA 98155 1 02/18/03 11 0435436951 05 04/01/03 25 E32C718 O 03/01/33 0 8477069 W39/G02 F 151,429.00 ZZ 360 151,429.00 4 6.875 994.79 90 6.625 994.79 EL PASO TX 79936 1 02/18/03 01 0435443742 05 04/01/03 25 PNE30000 N 03/01/33 0 8477103 N47/G02 F 405,000.00 ZZ 360 405,000.00 1 6.250 2,493.65 65 6.000 2,493.65 SOUTH PASADENA CA 91030 2 02/13/03 00 0435453857 05 04/01/03 0 30501815 O 03/01/33 0 8477135 U97/G02 F 234,000.00 ZZ 360 234,000.00 1 6.250 1,440.78 89 6.000 1,440.78 PLACERVILLE CA 95667 5 02/18/03 14 0435449509 03 04/01/03 25 7719609 O 03/01/33 0 8477637 E22/G02 F 420,000.00 ZZ 360 420,000.00 1 6.250 2,586.01 80 6.000 2,586.01 ROCKVILLE MD 20852 1 02/27/03 00 0416133049 09 04/01/03 0 0416133049 O 03/01/33 0 8477649 E22/G02 F 545,975.00 ZZ 360 545,975.00 1 6.375 3,406.17 80 6.125 3,406.17 BELLAIRE TX 77401 5 02/18/03 00 0416140895 05 04/01/03 0 1 0416140895 O 03/01/33 0 8477711 E22/G02 F 400,000.00 ZZ 360 400,000.00 1 6.125 2,430.44 80 5.875 2,430.44 FORT LAUDERDALE FL 33301 1 02/27/03 00 0416167369 05 04/01/03 0 0416167369 O 03/01/33 0 8477715 E22/G02 F 128,625.00 ZZ 360 128,625.00 3 6.625 823.60 75 6.375 823.60 FRESNO CA 93703 1 02/19/03 00 0416173003 05 04/01/03 0 0416173003 N 03/01/33 0 8477721 E22/G02 F 313,500.00 ZZ 360 313,500.00 1 6.625 2,007.37 95 6.375 2,007.37 BOULDER CO 80304 1 02/27/03 01 0416180628 05 04/01/03 35 0416180628 O 03/01/33 0 8477725 E22/G02 F 280,000.00 ZZ 360 280,000.00 1 6.000 1,678.74 80 5.750 1,678.74 WILSONVILLE OR 97070 1 02/24/03 00 0416196293 03 04/01/03 0 0416196293 O 03/01/33 0 8477727 E22/G02 F 60,000.00 ZZ 360 60,000.00 1 7.000 399.18 17 6.750 399.18 WOODMERE NY 11598 5 02/27/03 00 0416196590 05 04/01/03 0 0416196590 N 03/01/33 0 1 8477733 E22/G02 F 137,600.00 ZZ 360 137,600.00 1 5.875 813.96 80 5.625 813.96 MIAMI FL 33174 1 02/27/03 00 0416202455 01 04/01/03 0 0416202455 O 03/01/33 0 8477739 E22/G02 F 67,500.00 ZZ 360 67,500.00 1 7.625 477.76 75 7.375 477.76 MIDLAND MI 48642 5 02/27/03 00 0416210318 05 04/01/03 0 0416210318 N 03/01/33 0 8477749 E22/G02 F 267,200.00 ZZ 360 267,200.00 1 6.125 1,623.54 80 5.875 1,623.54 ANAHEIM CA 92808 1 02/20/03 00 0416236388 01 04/01/03 0 0416236388 O 03/01/33 0 8477757 E22/G02 F 198,400.00 ZZ 360 198,400.00 1 6.500 1,254.02 80 6.250 1,254.02 FOLSOM CA 95630 2 02/19/03 00 0416247047 05 04/01/03 0 0416247047 O 03/01/33 0 8477785 E22/G02 F 379,600.00 ZZ 360 379,600.00 1 5.875 2,245.48 80 5.625 2,245.48 MILL CREEK WA 98012 1 02/18/03 00 0416111730 05 04/01/03 0 0416111730 O 03/01/33 0 8477831 E22/G02 F 376,000.00 ZZ 360 376,000.00 1 6.250 2,315.10 63 6.000 2,315.10 1 VACAVILLE CA 95687 5 01/30/03 00 0415869809 05 04/01/03 0 0415869809 O 03/01/33 0 8477833 E22/G02 F 225,000.00 ZZ 360 225,000.00 1 6.000 1,348.99 77 5.750 1,348.99 FRESNO CA 93720 1 02/07/03 00 0415891779 05 04/01/03 0 0415891779 O 03/01/33 0 8477835 E22/G02 F 181,500.00 ZZ 240 181,500.00 1 5.875 1,287.27 48 5.625 1,287.27 LONG BEACH CA 90807 2 02/14/03 00 0415906395 05 04/01/03 0 0415906395 O 03/01/23 0 8477851 E22/G02 F 104,000.00 ZZ 360 104,000.00 1 6.875 683.21 80 6.625 683.21 FRESNO CA 93705 1 02/03/03 00 0415945666 05 04/01/03 0 0415945666 N 03/01/33 0 8477871 E22/G02 F 103,500.00 ZZ 360 103,500.00 2 6.500 654.19 90 6.250 654.19 CHICAGO IL 60637 1 02/27/03 04 0415986348 05 04/01/03 25 0415986348 N 03/01/33 0 8477881 E22/G02 F 322,000.00 ZZ 360 322,000.00 1 5.875 1,904.75 56 5.625 1,904.75 SAN FRANCISCO CA 94116 1 02/21/03 00 0416003010 07 04/01/03 0 0416003010 O 03/01/33 0 1 8477883 E22/G02 F 322,500.00 ZZ 360 322,500.00 1 6.000 1,933.55 77 5.750 1,933.55 (TUJUNGA AREA) CA 91042 5 02/06/03 00 0416013902 05 04/01/03 0 0416013902 O 03/01/33 0 8477897 E22/G02 F 96,500.00 ZZ 360 96,500.00 1 6.375 602.03 77 6.125 602.03 SAINT LOUIS MO 63110 5 02/21/03 00 0416052645 05 04/01/03 0 0416052645 O 03/01/33 0 8477919 E22/G02 F 103,000.00 ZZ 360 103,000.00 2 6.375 642.59 51 6.125 642.59 METAIRIE LA 70001 2 02/26/03 00 0416091122 05 04/01/03 0 0416091122 N 03/01/33 0 8477933 E22/G02 F 196,000.00 ZZ 360 196,000.00 1 6.500 1,238.85 80 6.250 1,238.85 LOS ANGELES CA 91342 5 02/20/03 00 0416099299 05 04/01/03 0 0416099299 O 03/01/33 0 8477951 E82/G02 F 111,700.00 ZZ 360 111,700.00 1 6.375 696.86 68 6.125 696.86 NORTH BRANFORD CT 06471 2 02/26/03 00 0400776415 05 04/01/03 0 6462436 O 03/01/33 0 8477955 E82/G02 F 68,500.00 ZZ 360 68,500.00 1 1 6.250 421.77 62 6.000 421.77 TUCSON AZ 85745 2 02/26/03 00 0400777918 05 04/01/03 0 0400777918 O 03/01/33 0 8478011 N47/G02 F 375,000.00 ZZ 360 375,000.00 1 6.000 2,248.31 67 5.750 2,248.31 CHULA VISTA CA 91910 5 02/07/03 00 0435472139 05 04/01/03 0 30502255 O 03/01/33 0 8478469 P09/G02 F 285,000.00 ZZ 360 285,000.00 1 6.250 1,754.79 44 6.000 1,754.79 FAIRFAX STATION VA 22039 5 02/21/03 00 0435451760 05 04/01/03 0 GARDNER O 03/01/33 0 8478571 P09/G02 F 243,000.00 ZZ 360 243,000.00 1 5.875 1,437.44 90 5.625 1,437.44 UPPER MARLBORO MD 20772 2 02/25/02 10 0435458633 03 04/01/03 25 03010012 O 03/01/33 0 8478631 P09/G02 F 77,000.00 ZZ 360 77,000.00 1 6.375 480.38 55 6.125 480.38 CHESTER VA 23831 5 02/21/03 00 0435452149 05 04/01/03 0 0301280138 O 03/01/33 0 8478643 168/168 F 50,400.00 ZZ 360 50,361.65 2 7.375 348.10 70 7.125 348.10 SCHENECTADY NY 12308 2 02/03/03 00 0099753774 05 03/01/03 0 1 0099753774 N 02/01/33 0 8478895 X78/G02 F 69,000.00 ZZ 360 69,000.00 1 7.500 482.46 49 7.250 482.46 ATLANTA GA 30315 2 02/27/03 00 0435458450 05 04/01/03 0 990316 N 03/01/33 0 8479971 S43/G02 F 440,000.00 ZZ 360 440,000.00 1 6.250 2,709.16 80 6.000 2,709.16 LITTLETON CO 80124 5 02/25/03 00 0435452594 03 04/01/03 0 022420 O 03/01/33 0 8480657 420/G02 F 312,000.00 ZZ 360 312,000.00 1 6.250 1,921.04 80 6.000 1,921.04 ROHNERT PARK CA 94928 5 02/19/03 00 0435448626 05 04/01/03 0 72004448 O 03/01/33 0 8480773 G34/G02 F 139,300.00 T 360 139,300.00 1 6.875 915.10 80 6.625 915.10 HENDERSON NV 89052 1 02/21/03 00 0435465216 03 04/01/03 0 77301067 O 03/01/33 0 8480913 K15/G02 F 70,000.00 ZZ 360 70,000.00 1 6.625 448.22 70 6.375 448.22 WILLIAMSTOWN VT 05679 5 02/24/03 00 0435439344 05 04/01/03 0 037105506657 O 03/01/33 0 1 8480931 E47/G02 F 320,000.00 ZZ 360 320,000.00 1 6.125 1,944.35 80 5.875 1,944.35 RICHMOND CA 94804 1 01/30/03 00 0435457437 05 04/01/03 0 7359513181 O 03/01/33 0 8480983 Q59/G02 F 240,000.00 ZZ 360 240,000.00 1 6.875 1,576.63 80 6.625 1,576.63 WHITTIER CA 90605 1 02/10/03 00 0435492343 05 04/01/03 0 0000501300 N 03/01/33 0 8481175 369/G02 F 352,000.00 ZZ 360 351,475.89 1 7.500 2,461.24 76 7.250 2,461.24 HONOLULU HI 96822 1 12/24/02 00 0435462353 01 02/01/03 0 0074648148 O 01/01/33 0 8481567 M27/G02 F 94,500.00 ZZ 360 94,500.00 1 6.125 574.19 80 5.875 574.19 CHARLOTTE NC 28226 2 02/24/03 00 0435462650 05 04/01/03 0 0100083194 O 03/01/33 0 8481833 N74/G02 F 114,000.00 ZZ 360 114,000.00 1 6.625 729.95 74 6.375 729.95 SPARROWS POINT MD 21219 2 02/19/03 00 0435496179 05 04/01/03 0 31761010 O 03/01/33 0 8481903 X89/G02 F 182,000.00 ZZ 360 182,000.00 1 6.250 1,120.61 55 6.000 1,120.61 1 OXNARD CA 93035 2 02/19/03 00 0435464839 03 04/01/03 0 1010241339 N 03/01/33 0 8481981 X82/G02 F 242,900.00 ZZ 360 242,900.00 1 6.375 1,515.38 90 6.125 1,515.38 WOODBRIDGE VA 22193 1 02/26/03 12 0435462254 05 04/01/03 25 850143 O 03/01/33 0 8482041 U05/G02 F 237,600.00 ZZ 360 237,600.00 3 6.500 1,501.79 80 6.250 1,501.79 PORTLAND OR 97266 2 02/21/03 00 0435439427 05 04/01/03 0 3305117 N 03/01/33 0 8482081 W99/G02 F 102,150.00 ZZ 360 102,150.00 2 7.500 714.25 90 7.250 714.25 ORANGEBURG SC 29118 1 02/27/03 12 0435496237 05 04/01/03 25 93001100 N 03/01/33 0 8482423 883/G02 F 251,700.00 ZZ 360 251,700.00 1 6.250 1,549.76 80 6.000 1,549.76 HUNTINGTOWN MD 20639 2 02/18/03 00 0435509195 05 04/01/03 0 04000103 O 03/01/33 0 8482605 X67/G02 F 360,000.00 ZZ 360 359,674.56 1 6.500 2,275.44 90 6.250 2,275.44 BRISTOL RI 02809 1 01/28/03 11 0435457791 01 03/01/03 25 00241593 O 02/01/33 0 1 8482939 642/G02 F 201,750.00 ZZ 360 201,750.00 3 6.500 1,275.20 75 6.250 1,275.20 LONG BEACH CA 90813 1 02/20/03 00 0435472675 05 04/01/03 0 01198103 N 03/01/33 0 8483477 E82/G02 F 75,300.00 ZZ 360 75,300.00 1 6.125 457.53 62 5.875 457.53 OKLAHOMA CITY OK 73003 2 03/03/03 00 0400771705 05 04/01/03 0 0400771705 N 03/01/33 0 8483481 E82/G02 F 71,750.00 ZZ 360 71,750.00 2 6.125 435.96 56 5.875 435.96 EDMOND OK 73013 2 03/03/03 00 0400771721 05 04/01/03 0 0400771721 N 03/01/33 0 8483483 E82/G02 F 65,650.00 ZZ 360 65,650.00 2 6.125 398.90 53 5.875 398.90 EDMOND OK 73034 2 03/03/03 00 0400771747 05 04/01/03 0 0400771747 N 03/01/33 0 8483703 E22/G02 F 244,000.00 ZZ 360 244,000.00 1 6.250 1,502.35 80 6.000 1,502.35 LINDENHURST NY 11757 5 02/24/03 00 0415923291 05 04/01/03 0 0415923291 O 03/01/33 0 8483711 E22/G02 F 448,000.00 ZZ 360 448,000.00 1 1 6.500 2,831.66 80 6.250 2,831.66 SEATTLE WA 98199 1 02/24/03 00 0415987759 05 04/01/03 0 0415987759 O 03/01/33 0 8483731 E22/G02 F 116,400.00 ZZ 360 116,400.00 1 6.125 707.26 69 5.875 707.26 PUYALLUP WA 98371 2 02/25/03 00 0416012524 05 04/01/03 0 0416012524 N 03/01/33 0 8483749 E22/G02 F 478,000.00 ZZ 360 478,000.00 1 5.875 2,827.55 79 5.625 2,827.55 FAIRFAX STATION VA 22039 5 02/24/03 00 0416074524 05 04/01/03 0 0416074524 O 03/01/33 0 8483767 E22/G02 F 350,000.00 ZZ 360 350,000.00 1 6.000 2,098.43 68 5.750 2,098.43 SACRAMENTO CA 95829 5 02/21/03 00 0416085835 05 04/01/03 0 0416085835 O 03/01/33 0 8483777 E22/G02 F 53,950.00 ZZ 360 53,950.00 1 7.000 358.93 65 6.750 358.93 JACKSONVILLE FL 32204 5 02/24/03 00 0416097103 05 04/01/03 0 0416097103 O 03/01/33 0 8483779 E22/G02 F 264,000.00 ZZ 360 264,000.00 1 6.250 1,625.49 80 6.000 1,625.49 AUSTIN TX 78746 5 02/18/03 00 0416098275 05 04/01/03 0 1 0416098275 O 03/01/33 0 8483833 E22/G02 F 95,000.00 ZZ 360 95,000.00 1 6.750 616.17 95 6.500 616.17 AMARILLO TX 79102 1 02/28/03 04 0416143188 05 04/01/03 30 0416143188 O 03/01/33 0 8483835 E22/G02 F 108,750.00 ZZ 360 108,750.00 1 6.500 687.37 75 6.250 687.37 COLORADO SPRING CO 80920 1 02/28/03 00 0416145761 03 04/01/03 0 0416145761 N 03/01/33 0 8483837 E22/G02 F 80,950.00 ZZ 360 80,950.00 1 6.875 531.78 90 6.625 531.78 BRANDON FL 33511 1 02/19/03 04 0416147965 09 04/01/03 25 0416147965 N 03/01/33 0 8483843 E22/G02 F 114,000.00 ZZ 360 114,000.00 1 6.250 701.92 42 6.000 701.92 SEATTLE WA 98199 2 02/17/03 00 0416152577 05 04/01/03 0 0416152577 N 03/01/33 0 8483859 E22/G02 F 304,000.00 ZZ 360 304,000.00 1 6.125 1,847.14 80 5.875 1,847.14 SEDALIA CO 80135 5 02/24/03 00 0416162113 05 04/01/03 0 0416162113 O 03/01/33 0 1 8483865 E22/G02 F 108,000.00 ZZ 360 108,000.00 1 6.125 656.22 88 5.875 656.22 VIRGINIA BEACH VA 23455 5 02/24/03 01 0416169134 05 04/01/03 25 0416169134 O 03/01/33 0 8483871 E22/G02 F 617,500.00 T 360 617,500.00 1 6.125 3,752.00 75 5.875 3,752.00 ALTO NM 88312 2 02/27/03 00 0416197291 03 04/01/03 0 0416197291 O 03/01/33 0 8483901 E22/G02 F 62,400.00 ZZ 360 62,400.00 1 6.500 394.41 80 6.250 394.41 PUEBLO CO 81005 1 02/28/03 00 0416223493 05 04/01/03 0 0416223493 N 03/01/33 0 8483959 E22/G02 F 51,471.00 ZZ 360 51,471.00 1 6.250 316.92 69 6.000 316.92 ST PETERSBURG FL 33703 2 02/24/03 00 0415671478 05 04/01/03 0 0415671478 O 03/01/33 0 8483973 E22/G02 F 41,250.00 ZZ 360 41,250.00 1 7.125 277.91 75 6.875 277.91 GREENTOWN PA 18426 1 02/28/03 00 0415814516 03 04/01/03 0 0415814516 N 03/01/33 0 8483975 E22/G02 F 56,000.00 ZZ 360 56,000.00 1 7.125 377.28 80 6.875 377.28 1 GREENTOWN PA 18426 1 02/28/03 00 0415814565 03 04/01/03 0 0415814565 N 03/01/33 0 8483977 E22/G02 F 229,000.00 ZZ 360 229,000.00 1 6.625 1,466.31 77 6.375 1,466.31 CARNATION WA 98014 5 02/21/03 00 0415928373 03 04/01/03 0 0415928373 O 03/01/33 0 8483995 E22/G02 F 95,437.00 ZZ 360 95,437.00 1 6.500 603.23 90 6.250 603.23 ARDMORE OK 73401 2 02/24/03 01 0415954296 05 04/01/03 25 0415954296 O 03/01/33 0 8484013 E22/G02 F 195,000.00 ZZ 360 195,000.00 4 7.000 1,297.34 74 6.750 1,297.34 PUEBLO CO 81007 1 02/28/03 00 0415969179 05 04/01/03 0 0415969179 N 03/01/33 0 8484027 E22/G02 F 372,000.00 ZZ 360 372,000.00 1 6.125 2,260.31 80 5.875 2,260.31 YORBA LINDA CA 92886 5 02/20/03 00 0416033439 05 04/01/03 0 0416033439 O 03/01/33 0 8484063 E22/G02 F 52,000.00 ZZ 360 52,000.00 1 6.500 328.68 44 6.250 328.68 LARAMIE WY 82070 1 02/28/03 00 0416051720 05 04/01/03 0 0416051720 N 03/01/33 0 1 8484067 E22/G02 F 341,000.00 ZZ 360 341,000.00 1 6.375 2,127.40 76 6.125 2,127.40 WALDORF MD 20601 2 02/24/03 00 0416054823 05 04/01/03 0 0416054823 O 03/01/33 0 8484069 E22/G02 F 68,100.00 ZZ 360 68,100.00 1 7.000 453.07 91 6.750 453.07 MEXICO MO 65265 2 02/24/03 01 0416055432 05 04/01/03 30 0416055432 O 03/01/33 0 8484071 E22/G02 F 110,250.00 ZZ 360 110,250.00 1 6.125 669.89 68 5.875 669.89 PUYALLUP WA 98371 2 02/25/03 00 0416055937 05 04/01/03 0 0416055937 N 03/01/33 0 8484079 E22/G02 F 247,500.00 ZZ 360 247,500.00 1 6.500 1,564.37 90 6.250 1,564.37 CARSON CITY NV 89704 1 02/19/03 04 0416065597 05 04/01/03 30 0416065597 O 03/01/33 0 8484117 E22/G02 F 54,000.00 ZZ 360 54,000.00 1 6.250 332.49 77 6.000 332.49 COCONUT CREEK FL 33066 5 02/24/03 00 0416125128 01 04/01/03 0 0416125128 O 03/01/33 0 8484125 E22/G02 F 68,000.00 ZZ 360 68,000.00 1 1 6.750 441.05 80 6.500 441.05 KATY TX 77450 1 02/21/03 00 0416129856 03 04/01/03 0 0416129856 N 03/01/33 0 8484149 E22/G02 F 348,000.00 ZZ 360 348,000.00 1 6.875 2,286.11 80 6.625 2,286.11 MIAMI FL 33176 5 02/24/03 00 0416179547 05 04/01/03 0 0416179547 O 03/01/33 0 8484155 E22/G02 F 208,800.00 ZZ 360 208,800.00 1 6.125 1,268.69 90 5.875 1,268.69 MUNDELEIN IL 60060 1 02/28/03 11 0416181766 01 04/01/03 25 0416181766 O 03/01/33 0 8484157 E22/G02 F 105,750.00 ZZ 360 105,750.00 1 6.375 659.74 75 6.125 659.74 DENTON TX 76207 5 02/28/03 00 0416183093 05 04/01/03 0 0416183093 N 03/01/33 0 8484171 E22/G02 F 382,000.00 ZZ 360 382,000.00 1 5.875 2,259.67 73 5.625 2,259.67 ALBUQUERQUE NM 87107 2 02/24/03 00 0416188191 05 04/01/03 0 0416188191 O 03/01/33 0 8484215 E22/G02 F 399,973.00 ZZ 360 399,973.00 1 6.625 2,561.07 87 6.375 2,561.07 SAN JOSE CA 95112 5 02/19/03 04 0416236107 05 04/01/03 25 1 0416236107 O 03/01/33 0 8484217 E22/G02 F 367,500.00 ZZ 360 367,500.00 1 6.125 2,232.97 50 5.875 2,232.97 SAN FRANCISCO CA 94122 1 02/21/03 00 0416237709 07 04/01/03 0 0416237709 O 03/01/33 0 8484229 E22/G02 F 45,000.00 ZZ 360 45,000.00 1 7.125 303.17 75 6.875 303.17 SPOKANE WA 99207 2 02/20/03 00 0416242964 05 04/01/03 0 0416242964 N 03/01/33 0 8484241 E22/G02 F 113,500.00 ZZ 360 113,500.00 1 6.500 717.40 88 6.250 717.40 SIOUX CITY IA 51106 2 02/24/03 04 0416248110 05 04/01/03 25 0416248110 O 03/01/33 0 8484597 S11/G02 F 325,000.00 ZZ 360 325,000.00 1 6.500 2,054.22 80 6.250 2,054.22 ORANGE CA 92865 2 02/21/03 00 0435480686 05 04/01/03 0 10210266 O 03/01/33 0 8484887 U05/G02 F 400,000.00 ZZ 360 400,000.00 1 6.000 2,398.20 80 5.750 2,398.20 NORTHRIDGE CA 91324 5 02/17/03 00 0435469879 05 04/01/03 0 3311150 O 03/01/33 0 1 8484935 144/144 F 292,000.00 ZZ 360 291,716.20 1 6.125 1,774.22 80 5.875 1,774.22 NEW PALTZ NY 12561 1 01/28/03 00 160712216 05 03/01/03 0 160712216 O 02/01/33 0 8485153 313/G02 F 450,000.00 ZZ 360 450,000.00 1 6.250 2,770.73 66 6.000 2,770.73 HUNTINGTON BEAC CA 92649 2 02/04/03 00 0435478888 05 04/01/03 0 9318833 O 03/01/33 0 8485259 N47/G02 F 418,850.00 ZZ 360 418,850.00 1 6.000 2,511.22 80 5.750 2,511.22 FULLERTON CA 92833 1 02/25/03 00 0435498266 03 04/01/03 0 30502670 O 03/01/33 0 8485389 Q59/G02 F 318,750.00 ZZ 360 318,750.00 1 6.250 1,962.60 75 6.000 1,962.60 WALNUT CA 91789 5 02/24/03 00 0435466784 05 04/01/03 0 0000501549 O 03/01/33 0 8485703 Q87/G02 F 277,500.00 TX 240 277,500.00 1 6.750 2,110.01 75 6.500 2,110.01 DRIPPING SPRING TX 78620 5 02/27/03 00 0435508155 05 04/04/03 0 MUHA02 O 03/04/23 0 8485839 U42/G02 F 73,275.00 ZZ 360 73,275.00 1 6.625 469.19 73 6.375 469.19 1 ALLEN TX 75002 5 02/17/03 00 0435468749 05 04/01/03 0 12203089 N 03/01/33 0 8485855 420/G02 F 225,000.00 ZZ 360 225,000.00 1 6.125 1,367.12 49 5.875 1,367.12 SANTA ROSA CA 95403 5 02/10/03 00 0435446521 05 04/01/03 0 73000000 O 03/01/33 0 8486003 N74/G02 F 65,550.00 ZZ 360 65,484.74 1 6.000 393.01 95 5.750 393.01 CHATHAM VA 24531 2 02/20/03 10 0435477328 05 03/25/03 30 5348365 O 02/25/33 0 8486005 X82/G02 F 79,250.00 ZZ 360 79,181.77 1 6.750 514.01 90 6.500 514.01 BELTVILLE MD 20705 1 01/31/03 12 0435467386 01 03/01/03 25 848653 O 02/01/33 0 8486139 253/253 F 532,000.00 ZZ 360 532,000.00 1 6.875 3,494.87 77 6.625 3,494.87 SOUTHLAKE TX 76092 2 02/21/03 00 459486 03 04/01/03 0 459486 O 03/01/33 0 8486297 A06/G02 F 192,000.00 ZZ 360 192,000.00 1 7.625 1,358.97 80 7.375 1,358.97 SOUTHFIELD MI 48034 2 02/25/03 00 0435465562 05 04/01/03 0 1 O 03/01/33 0 1 8486299 B39/G02 F 148,000.00 ZZ 360 148,000.00 1 6.500 935.46 80 6.250 935.46 NORTH BRANCH MN 55056 5 02/26/03 00 0435461157 05 04/01/03 0 20030706F O 03/01/33 0 8486305 N74/G02 F 107,500.00 ZZ 360 107,500.00 1 6.500 679.47 95 6.250 679.47 KERNERSVILLE NC 27284 2 02/24/03 01 0435471198 05 04/01/03 30 0031792010 O 03/01/33 0 8486325 B23/G02 F 122,000.00 ZZ 360 122,000.00 2 7.125 821.94 68 6.875 821.94 ROSEMEAD CA 91770 1 02/21/03 00 0435478805 05 04/01/03 0 80000213 N 03/01/33 0 8486579 U35/G02 F 242,000.00 ZZ 360 242,000.00 1 6.250 1,490.04 63 6.000 1,490.04 WATSONVILLE CA 95076 5 02/27/03 00 0435496229 05 04/01/03 0 0007664767 O 03/01/33 0 8486777 W02/G02 F 61,100.00 ZZ 360 61,100.00 1 6.625 391.23 77 6.375 391.23 JACKSONVILLE FL 32205 5 02/24/03 00 0435504766 05 04/01/03 0 1 O 03/01/33 0 8487131 W02/G02 F 101,700.00 ZZ 360 101,700.00 1 1 6.625 651.20 90 6.375 651.20 WINTER SPRINGS FL 32708 5 02/22/03 14 0435488424 05 04/01/03 25 1002087426 O 03/01/33 0 8487345 E22/G02 F 106,500.00 ZZ 360 106,500.00 1 6.125 647.11 80 5.875 647.11 ASHEVILLE NC 28806 5 02/26/03 00 0416143121 05 04/01/03 0 0416143121 O 03/01/33 0 8487347 E22/G02 F 364,000.00 ZZ 360 364,000.00 1 6.125 2,211.70 70 5.875 2,211.70 EASTCHESTER NY 10709 5 02/26/03 00 0416143931 05 04/01/03 0 0416143931 O 03/01/33 0 8487357 E22/G02 F 68,850.00 ZZ 360 68,850.00 1 6.750 446.56 90 6.500 446.56 ALVIN TX 77511 1 02/28/03 04 0416147676 05 04/01/03 25 0416147676 N 03/01/33 0 8487367 E22/G02 F 124,500.00 ZZ 360 124,500.00 1 6.250 766.57 46 6.000 766.57 SEATTLE WA 98199 2 02/17/03 00 0416153294 05 04/01/03 0 0416153294 N 03/01/33 0 8487369 E22/G02 F 214,500.00 ZZ 360 214,500.00 1 6.250 1,320.71 74 6.000 1,320.71 EDMONDS WA 98026 2 02/17/03 00 0416153344 05 04/01/03 0 1 0416153344 N 03/01/33 0 8487377 E22/G02 F 75,000.00 ZZ 360 75,000.00 1 6.250 461.79 50 6.000 461.79 ROCKBRIDGE OH 43149 1 03/03/03 00 0416164697 05 04/01/03 0 0416164697 O 03/01/33 0 8487397 E22/G02 F 358,000.00 ZZ 360 358,000.00 1 6.125 2,175.25 80 5.875 2,175.25 ANTIOCH CA 94509 2 02/22/03 00 0416176949 03 04/01/03 0 0416176949 O 03/01/33 0 8487413 E22/G02 F 110,200.00 ZZ 360 110,200.00 1 6.125 669.59 95 5.875 669.59 EDGEWATER FL 32132 2 02/25/03 10 0416193712 05 04/01/03 30 0416193712 O 03/01/33 0 8487421 E22/G02 F 260,000.00 ZZ 360 260,000.00 1 6.125 1,579.79 80 5.875 1,579.79 MILL CREEK WA 98012 5 02/24/03 00 0416209559 03 04/01/03 0 0416209559 O 03/01/33 0 8487425 E22/G02 F 384,000.00 ZZ 360 384,000.00 1 6.125 2,333.22 70 5.875 2,333.22 WASHINGTON TOWN NJ 07830 5 02/25/03 00 0416219624 05 04/01/03 0 0416219624 O 03/01/33 0 1 8487441 E22/G02 F 145,000.00 ZZ 360 145,000.00 1 6.000 869.35 88 5.750 869.35 DE WITT IA 52742 5 02/25/03 04 0416230878 05 04/01/03 25 0416230878 O 03/01/33 0 8487459 E22/G02 F 55,080.00 ZZ 360 55,080.00 1 6.750 357.25 90 6.500 357.25 ROANOKE VA 24017 1 03/03/03 10 0416255594 05 04/01/03 25 0416255594 N 03/01/33 0 8487463 E22/G02 F 293,000.00 ZZ 360 293,000.00 1 6.125 1,780.30 77 5.875 1,780.30 AMERICAN FORK UT 84003 5 02/26/03 00 0416300457 05 04/01/03 0 0416300457 O 03/01/33 0 8487473 E22/G02 F 117,900.00 ZZ 360 117,900.00 1 6.500 745.21 90 6.250 745.21 BRANDON VT 05733 5 02/26/03 01 0415585140 05 04/01/03 25 0415585140 O 03/01/33 0 8487491 E22/G02 F 372,000.00 ZZ 360 372,000.00 1 6.125 2,260.31 80 5.875 2,260.31 WASHINGTON TOWN NJ 07830 5 02/26/03 00 0415896125 05 04/01/03 0 0415896125 O 03/01/33 0 8487503 E22/G02 F 125,000.00 ZZ 360 125,000.00 1 6.125 759.51 37 5.875 759.51 1 WILMINGTON MA 01887 5 02/25/03 00 0415931237 05 04/01/03 0 0415931237 O 03/01/33 0 8487507 E22/G02 F 77,000.00 ZZ 360 77,000.00 1 6.375 480.38 75 6.125 480.38 TULSA OK 74134 5 02/25/03 00 0415934579 05 04/01/03 0 0415934579 O 03/01/33 0 8487551 E22/G02 F 52,700.00 ZZ 360 52,700.00 1 7.125 355.05 85 6.875 355.05 LYDIA SC 29079 5 02/25/03 10 0416028025 05 04/01/03 20 0416028025 O 03/01/33 0 8487555 E22/G02 F 322,700.00 ZZ 360 322,700.00 1 5.875 1,908.89 70 5.625 1,908.89 ALISO VIEJO CA 92656 5 02/24/03 00 0416029213 01 04/01/03 0 0416029213 O 03/01/33 0 8487561 E22/G02 F 66,750.00 ZZ 360 66,750.00 1 7.000 444.09 75 6.750 444.09 PARK FOREST IL 60466 5 03/03/03 00 0416042885 05 04/01/03 0 0416042885 N 03/01/33 0 8487577 E22/G02 F 262,000.00 ZZ 360 262,000.00 1 6.500 1,656.02 71 6.250 1,656.02 AMITYVILLE NY 11701 5 02/24/03 00 0416079002 05 04/01/03 0 0416079002 O 03/01/33 0 1 8487611 E22/G02 F 70,000.00 ZZ 360 70,000.00 2 6.500 442.45 67 6.250 442.45 PUEBLO CO 81004 5 03/03/03 00 0416085595 05 04/01/03 0 0416085595 N 03/01/33 0 8487621 E22/G02 F 183,850.00 ZZ 360 183,850.00 1 6.000 1,102.27 80 5.750 1,102.27 WILLOW PARK TX 76087 1 03/03/03 00 0416093698 05 04/01/03 0 0416093698 O 03/01/33 0 8487627 E22/G02 F 158,500.00 ZZ 360 158,500.00 1 7.000 1,054.50 68 6.750 1,054.50 PORTLAND OR 97215 5 02/26/03 00 0416096287 05 04/01/03 0 0416096287 O 03/01/33 0 8487633 E22/G02 F 62,000.00 ZZ 360 62,000.00 2 6.500 391.88 75 6.250 391.88 PUEBLO CO 81004 5 03/03/03 00 0416104016 05 04/01/03 0 0416104016 N 03/01/33 0 8487643 E22/G02 F 124,000.00 ZZ 360 124,000.00 1 6.750 804.26 80 6.500 804.26 MESA AZ 85203 2 02/20/03 00 0416110906 05 04/01/03 0 0416110906 O 03/01/33 0 8487659 E22/G02 F 79,500.00 ZZ 360 79,500.00 1 1 6.375 495.98 75 6.125 495.98 PUEBLO CO 81004 5 03/03/03 00 0416128841 05 04/01/03 0 0416128841 N 03/01/33 0 8487661 E22/G02 F 211,200.00 ZZ 360 211,200.00 1 6.125 1,283.27 80 5.875 1,283.27 HOUSTON TX 77004 5 02/24/03 00 0416131183 09 04/01/03 0 0416131183 O 03/01/33 0 8487669 E82/G02 F 42,300.00 ZZ 360 42,300.00 1 6.125 257.02 80 5.875 257.02 MARION OH 43302 2 03/03/03 00 0400783627 05 04/01/03 0 0400783627 N 03/01/33 0 8488697 E57/G02 F 250,500.00 ZZ 360 250,500.00 1 6.250 1,542.37 67 6.000 1,542.37 WESTMINSTER CA 92683 1 02/21/03 00 0435468038 05 04/01/03 0 06012636 O 03/01/33 0 8489175 L76/G02 F 121,210.00 ZZ 360 121,210.00 1 6.500 766.13 90 6.250 766.13 ROSEMOUNT MN 55068 1 02/28/03 11 0435491980 09 04/01/03 25 991668 N 03/01/33 0 8489227 P01/G02 F 74,250.00 ZZ 360 74,250.00 2 7.625 525.54 90 7.375 525.54 WATERVLIET NY 12189 1 02/28/03 10 0435467352 05 04/01/03 25 1 03004418 N 03/01/33 0 8489231 G34/G02 F 147,900.00 ZZ 360 147,900.00 1 6.000 886.74 80 5.750 886.74 LAS VEGAS NV 89128 1 02/22/03 00 0435466669 03 04/01/03 0 77309015 O 03/01/33 0 8489265 U42/G02 F 56,500.00 ZZ 360 56,500.00 1 6.000 338.75 56 5.750 338.75 ALLEN TX 75002 2 02/13/03 00 0435479159 05 04/01/03 0 12203091 N 03/01/33 0 8489369 313/G02 F 92,350.00 ZZ 360 92,350.00 1 6.500 583.72 74 6.250 583.72 PHOENIX AZ 85043 2 02/27/03 00 0435468046 03 04/01/03 0 9334640 N 03/01/33 0 8489433 F89/G02 F 272,500.00 ZZ 360 272,500.00 1 6.000 1,633.78 50 5.750 1,633.78 LOS ANGELES CA 90046 2 02/13/03 00 0435467006 05 04/01/03 0 11624563 O 03/01/33 0 8489495 A50/G02 F 65,600.00 ZZ 360 65,600.00 1 6.500 414.64 80 6.250 414.64 ST MARY'S GA 31558 2 02/14/03 00 0435454707 05 04/01/03 0 979846 N 03/01/33 0 1 8489515 B23/G02 F 122,000.00 ZZ 360 122,000.00 2 7.125 821.94 68 6.875 821.94 ROSEMEAD CA 91770 1 02/21/03 00 0435479571 05 04/01/03 0 80000214 N 03/01/33 0 8489585 U05/G02 F 108,000.00 ZZ 360 108,000.00 1 6.375 673.78 80 6.125 673.78 COINJOCK NC 27923 5 02/18/03 00 0435458666 05 04/01/03 0 3308938 O 03/01/33 0 8489739 U97/G02 F 288,000.00 ZZ 360 288,000.00 1 6.250 1,773.27 80 6.000 1,773.27 ARROYO GRANDE CA 93420 2 02/18/03 00 0435471438 05 04/01/03 0 7573400 O 03/01/33 0 8489775 U42/G02 F 66,850.00 ZZ 360 66,850.00 1 6.625 428.05 67 6.375 428.05 ALLEN TX 75002 5 02/21/03 00 0435476130 05 04/01/03 0 12203090 N 03/01/33 0 8490413 E22/G02 F 88,000.00 ZZ 360 88,000.00 1 6.000 527.60 85 5.750 527.60 LUGOFF SC 29078 2 02/27/03 01 0415495233 05 04/01/03 6 0415495233 O 03/01/33 0 8490453 E22/G02 F 615,000.00 ZZ 360 615,000.00 1 6.125 3,736.80 75 5.875 3,736.80 1 CAMARILLO CA 93010 1 02/07/03 00 0415658152 03 04/01/03 0 0415658152 O 03/01/33 0 8490469 E22/G02 F 645,000.00 ZZ 360 645,000.00 1 6.125 3,919.09 77 5.875 3,919.09 FALL CITY WA 98024 2 02/25/03 00 0415868900 05 04/01/03 0 0415868900 O 03/01/33 0 8490493 E22/G02 F 514,000.00 ZZ 360 514,000.00 1 6.250 3,164.79 71 6.000 3,164.79 TRAVERSE CITY MI 49686 2 02/27/03 00 0415992064 05 04/01/03 0 0415992064 O 03/01/33 0 8490503 E22/G02 F 126,000.00 T 360 126,000.00 1 5.875 745.34 60 5.625 745.34 EASTON WA 98925 1 02/26/03 00 0416002145 03 04/01/03 0 0416002145 O 03/01/33 0 8490525 E22/G02 F 320,000.00 ZZ 360 320,000.00 1 6.125 1,944.35 48 5.875 1,944.35 SAN FRANCISCO CA 94122 5 02/20/03 00 0416038487 05 04/01/03 0 0416038487 O 03/01/33 0 8490533 E22/G02 F 81,600.00 ZZ 360 81,600.00 1 6.375 509.08 80 6.125 509.08 ROANOKE VA 24014 1 03/04/03 00 0416044055 05 04/01/03 0 0416044055 N 03/01/33 0 1 8490545 E22/G02 F 91,500.00 ZZ 360 91,500.00 1 6.750 593.47 95 6.500 593.47 MEMPHIS TN 38115 2 02/27/03 10 0416064798 05 04/01/03 30 0416064798 O 03/01/33 0 8490549 E22/G02 F 429,100.00 ZZ 360 429,100.00 1 6.125 2,607.26 79 5.875 2,607.26 COLLEYVILLE TX 76034 2 02/27/03 00 0416077758 03 04/01/03 0 0416077758 O 03/01/33 0 8490551 E22/G02 F 388,000.00 ZZ 360 388,000.00 1 6.250 2,388.98 80 6.000 2,388.98 CORPUS CHRISTI TX 78411 5 02/24/03 00 0416082766 05 04/01/03 0 0416082766 O 03/01/33 0 8490563 E22/G02 F 63,000.00 ZZ 360 63,000.00 2 6.875 413.87 78 6.625 413.87 GLOUCESTER CITY NJ 08030 5 02/27/03 00 0416110856 05 04/01/03 0 0416110856 O 03/01/33 0 8490573 E22/G02 F 67,200.00 ZZ 360 67,200.00 1 6.500 424.75 80 6.250 424.75 FORT WORTH TX 76133 1 03/04/03 00 0416141661 05 04/01/03 0 0416141661 O 03/01/33 0 8490581 E22/G02 F 93,600.00 ZZ 360 93,600.00 1 1 6.500 591.62 90 6.250 591.62 KINGWOOD TX 77339 1 03/03/03 04 0416152361 03 04/01/03 25 0416152361 N 03/01/33 0 8490583 E22/G02 F 166,200.00 ZZ 360 166,200.00 1 6.625 1,064.20 95 6.375 1,064.20 KANSAS CITY MO 64155 2 02/25/03 01 0416152478 05 04/01/03 30 0416152478 O 03/01/33 0 8490585 E22/G02 F 99,500.00 ZZ 360 99,500.00 1 6.625 637.11 47 6.375 637.11 SALT LAKE CITY UT 84108 2 02/26/03 00 0416153724 05 04/01/03 0 0416153724 N 03/01/33 0 8490595 E22/G02 F 75,500.00 ZZ 360 75,500.00 1 6.875 495.98 70 6.625 495.98 DUNNELLON FL 34432 2 03/03/03 00 0416166643 05 04/01/03 0 0416166643 N 03/01/33 0 8490597 E22/G02 F 149,300.00 ZZ 360 149,300.00 1 6.750 968.36 88 6.500 968.36 BIRMINGHAM AL 35222 2 02/27/03 01 0416168466 05 04/01/03 25 0416168466 O 03/01/33 0 8490603 E22/G02 F 57,450.00 ZZ 360 57,450.00 1 6.500 363.12 90 6.250 363.12 XENIA OH 45385 5 02/27/03 11 0416172146 05 04/01/03 25 1 0416172146 O 03/01/33 0 8490611 E22/G02 F 120,000.00 ZZ 360 120,000.00 1 6.125 729.13 80 5.875 729.13 PROVO UT 84606 1 02/26/03 00 0416187946 01 04/01/03 0 0416187946 N 03/01/33 0 8490613 E22/G02 F 367,000.00 ZZ 240 367,000.00 1 6.250 2,682.51 78 6.000 2,682.51 DALLAS TX 75214 5 02/27/03 00 0416188324 05 04/01/03 0 0416188324 O 03/01/23 0 8490621 E22/G02 F 333,750.00 ZZ 360 333,750.00 4 6.500 2,109.53 75 6.250 2,109.53 ANTIOCH CA 94509 1 02/21/03 00 0416204352 05 04/01/03 0 0416204352 N 03/01/33 0 8490651 E22/G02 F 109,900.00 ZZ 360 109,900.00 1 6.750 712.81 80 6.500 712.81 HENDERSONVILLE NC 28792 2 03/04/03 00 0416274850 05 04/01/03 0 0416274850 O 03/01/33 0 8490653 E22/G02 F 194,200.00 ZZ 360 194,200.00 1 6.375 1,211.56 80 6.125 1,211.56 SALT LAKE CITY UT 84109 1 03/03/03 00 0416279297 03 04/01/03 0 0416279297 N 03/01/33 0 1 8491135 U05/G02 F 427,700.00 TX 360 427,700.00 1 6.375 2,668.29 74 6.125 2,668.29 HOUSTON TX 77005 5 02/14/03 00 0435470364 05 04/01/03 0 3310743 O 03/01/33 0 8491173 N47/G02 F 200,000.00 ZZ 360 200,000.00 1 6.500 1,264.14 49 6.250 1,264.14 WALNUT CREEK CA 94597 5 02/20/03 00 0435498894 09 04/01/03 0 90500765 O 03/01/33 0 8491359 P30/G02 F 61,500.00 ZZ 360 61,500.00 1 6.625 393.79 80 6.375 393.79 GREENVILLE SC 29609 1 02/27/03 00 0435476882 05 04/01/03 0 0670880 O 03/01/33 0 8491455 286/286 F 148,500.00 ZZ 360 148,284.34 4 7.625 1,051.08 90 7.375 1,051.08 PATERSON NJ 07524 1 12/11/02 12 1733753 05 02/01/03 25 1733753 N 01/01/33 0 8491457 286/286 F 92,000.00 ZZ 360 91,844.96 1 6.875 604.38 80 6.625 604.38 CHICAGO IL 60619 5 12/17/02 00 1865331 05 02/01/03 0 1865331 N 01/01/33 0 8491461 286/286 F 62,000.00 ZZ 360 61,941.17 1 6.250 381.75 65 6.000 381.75 1 ORLANDO FL 32807 5 01/22/03 00 1897652 05 03/01/03 0 1897652 N 02/01/33 0 8491469 286/286 F 71,200.00 ZZ 360 71,078.29 1 6.875 467.74 80 6.625 467.74 ST LOUIS MO 63108 1 12/19/02 00 1847619 05 02/01/03 0 1847619 N 01/01/33 0 8491473 286/286 F 215,000.00 ZZ 360 214,628.73 4 6.750 1,394.49 70 6.500 1,394.49 PAHRUMP NV 89048 2 12/19/02 00 1874757 05 02/01/03 0 1874757 N 01/01/33 0 8491477 286/286 F 215,000.00 ZZ 360 214,628.73 4 6.750 1,394.49 70 6.500 1,394.49 PAHRUMP NV 89048 2 12/19/02 00 1874760 05 02/01/03 0 1874760 N 01/01/33 0 8491481 286/286 F 79,000.00 ZZ 360 78,866.86 3 6.875 518.98 59 6.625 518.98 LAKE WORTH FL 33460 5 12/20/02 00 1860846 05 02/01/03 0 1860846 N 01/01/33 0 8491485 286/286 F 700,000.00 ZZ 360 698,761.39 1 6.625 4,482.18 43 6.375 4,482.18 GREENWICH CT 06831 5 12/17/02 00 1788881 05 02/01/03 0 1788881 O 01/01/33 0 1 8491489 286/286 F 284,000.00 ZZ 360 283,761.40 1 6.875 1,865.68 80 6.625 1,865.68 PLYMOUTH MA 02360 5 12/30/02 00 1899402 05 03/01/03 0 1899402 O 02/01/33 0 8491493 286/286 F 328,650.00 ZZ 360 328,054.17 1 6.500 2,077.30 58 6.250 2,077.30 ALEXANDRIA VA 22309 2 12/20/02 00 1418665 05 02/01/03 0 1418665 O 01/01/33 0 8491497 286/286 F 70,200.00 ZZ 360 70,079.43 3 6.875 461.17 90 6.625 461.17 CLEMENTON NJ 08021 1 12/30/02 10 1847085 05 02/01/03 25 1847085 N 01/01/33 0 8491501 286/286 F 600,000.00 ZZ 360 598,885.61 1 6.375 3,743.22 69 6.125 3,743.22 STAMFORD CT 06905 1 12/19/02 00 1806534 05 02/01/03 0 1806534 O 01/01/33 0 8491505 286/286 F 123,000.00 ZZ 360 122,540.66 3 6.375 767.36 90 6.125 767.36 SOMERS CT 06071 1 10/31/02 12 1673329 05 12/01/02 25 1673329 O 11/01/32 0 8491509 286/286 F 86,400.00 ZZ 360 86,131.41 1 1 6.375 539.03 80 6.125 539.03 PHOENIX AZ 85029 5 12/20/02 00 1789750 03 02/01/03 0 1789750 N 01/01/33 0 8491513 286/286 F 352,000.00 ZZ 360 351,330.26 1 6.250 2,167.33 44 6.000 2,167.33 RIDGEFIELD CT 06877 2 12/06/02 00 1679914 05 02/01/03 0 1679914 O 01/01/33 0 8491517 286/286 F 251,900.00 ZZ 360 251,505.79 4 7.250 1,718.41 90 7.000 1,718.41 PLAINFIELD NJ 07060 1 12/23/02 12 1826534 05 02/01/03 25 1826534 N 01/01/33 0 8491521 286/286 F 68,000.00 ZZ 360 67,901.25 1 7.625 481.30 80 7.375 481.30 MARION NY 14505 2 12/11/02 00 1599958 05 02/01/03 0 1599958 N 01/01/33 0 8491523 286/286 F 58,500.00 ZZ 360 58,401.41 3 6.875 384.31 68 6.625 384.31 BALTIMORE MD 21216 2 12/31/02 00 1891615 05 02/01/03 0 1891615 N 01/01/33 0 8491525 286/286 F 108,600.00 ZZ 360 108,416.99 2 6.875 713.43 80 6.625 713.43 BALTIMORE MD 21216 1 12/31/02 00 1899326 05 02/01/03 0 1 1899326 N 01/01/33 0 8491527 286/286 F 115,500.00 ZZ 360 115,307.17 4 7.250 787.92 66 7.000 787.92 WASHINGTON DC 20020 5 12/23/02 00 1767562 05 02/01/03 0 1767562 N 01/01/33 0 8491529 286/286 F 108,000.00 T 360 107,813.50 1 6.750 700.49 80 6.500 700.49 TAMARAC FL 33321 1 12/09/02 00 1844432 05 02/01/03 0 1844432 O 01/01/33 0 8491531 286/286 F 204,000.00 T 360 203,219.65 1 6.250 1,256.07 76 6.000 1,256.07 NEW BRAUNFELS TX 78132 2 10/24/02 00 1730269 05 12/01/02 0 1730269 O 11/01/32 0 8491533 286/286 F 350,000.00 ZZ 360 349,334.07 1 6.250 2,155.02 56 6.000 2,155.02 DUBLIN CA 94568 2 12/11/02 00 1811412 05 02/01/03 0 1811412 O 01/01/33 0 8491539 286/286 F 400,000.00 ZZ 360 399,238.95 1 6.250 2,462.87 35 6.000 2,462.87 WESTON CT 06883 2 12/12/02 00 1787565 05 02/01/03 0 1787565 O 01/01/33 0 1 8491541 286/286 F 348,000.00 ZZ 360 347,385.40 1 6.500 2,199.60 80 6.250 2,199.60 WESTMINSTER CA 92683 2 01/01/03 00 1878234 05 03/01/03 0 1878234 O 02/01/33 0 8491543 286/286 F 372,000.00 ZZ 360 371,687.47 1 6.875 2,443.78 75 6.625 2,443.78 LEXINGTON MA 02421 5 01/10/03 00 1895118 05 03/01/03 0 1895118 O 02/01/33 0 8491547 286/286 F 253,950.00 ZZ 360 253,274.12 1 6.625 1,626.07 89 6.375 1,626.07 CHICAGO IL 60622 2 11/19/02 14 1592114 01 01/01/03 25 1592114 O 12/01/32 0 8491549 286/286 F 97,500.00 ZZ 360 97,214.01 3 7.625 690.10 68 7.375 690.10 NORFOLK CT 06058 5 10/25/02 00 1553474 05 12/01/02 0 1553474 N 11/01/32 0 8491551 K15/G02 F 308,000.00 ZZ 360 308,000.00 1 5.875 1,821.94 80 5.625 1,821.94 EAST MEADOW NY 11554 5 02/24/03 00 0435460597 05 04/01/03 0 021205511755 O 03/01/33 0 8491553 286/286 F 171,500.00 ZZ 360 171,369.50 4 7.375 1,184.51 69 7.125 1,184.51 1 PARKVILLE MO 64152 5 01/06/03 00 1648130 05 03/01/03 0 1648130 N 02/01/33 0 8491555 286/286 F 178,500.00 ZZ 360 178,364.17 4 7.375 1,232.86 70 7.125 1,232.86 PARKVILLE MO 64152 5 01/06/03 00 1648138 05 03/01/03 0 1648138 N 02/01/33 0 8491559 286/286 F 178,500.00 ZZ 360 178,364.17 4 7.375 1,232.86 70 7.125 1,232.86 KANSAS CITY MO 64152 5 01/06/03 00 1648143 05 03/01/03 0 1648143 N 02/01/33 0 8491561 286/286 F 171,500.00 ZZ 360 171,369.50 4 7.375 1,184.51 70 7.125 1,184.51 KANSAS CITY MO 64152 5 01/06/03 00 1648145 05 03/01/03 0 1648145 N 02/01/33 0 8491563 286/286 F 400,000.00 ZZ 360 399,274.82 1 6.500 2,528.28 80 6.250 2,528.28 WOLVERINE LAKE MI 48390 5 12/16/02 00 1800094 05 02/01/03 0 1800094 O 01/01/33 0 8491565 286/286 F 439,250.00 ZZ 360 438,434.17 1 6.375 2,740.35 80 6.125 2,740.35 LEESBURG VA 20176 1 12/27/02 00 1901096 05 02/01/03 0 1901096 O 01/01/33 0 1 8491567 286/286 F 114,300.00 ZZ 360 114,102.62 1 6.750 741.35 90 6.500 741.35 PHOENIX AZ 85018 1 12/03/02 12 1855786 01 02/01/03 25 1855786 O 01/01/33 0 8491569 286/286 F 71,000.00 ZZ 360 70,894.27 1 7.500 496.45 80 7.250 496.45 INDIANAPOLIS IN 46225 2 12/13/02 00 1791245 05 02/01/03 0 1791245 N 01/01/33 0 8491571 286/286 F 190,000.00 ZZ 360 189,481.92 2 6.500 1,200.93 80 6.250 1,200.93 KEARNY NJ 07032 1 11/19/02 00 1659973 05 01/01/03 0 1659973 O 12/01/32 0 8491575 286/286 F 135,000.00 ZZ 360 134,798.99 3 7.500 943.94 69 7.250 943.94 APACHE JUNCTION AZ 85219 2 12/23/02 00 1840540 05 02/01/03 0 1840540 N 01/01/33 0 8491577 286/286 F 400,000.00 ZZ 360 399,257.07 1 6.375 2,495.48 80 6.125 2,495.48 LITCHFIELD PARK AZ 85340 2 12/20/02 00 1844754 05 02/01/03 0 1844754 O 01/01/33 0 8491579 286/286 F 48,750.00 ZZ 360 48,675.57 1 1 7.375 336.71 75 7.125 336.71 FT LAUDERDALE FL 33308 5 12/17/02 00 1867388 01 02/01/03 0 1867388 N 01/01/33 0 8491581 286/286 F 140,000.00 ZZ 360 139,580.45 3 7.500 978.91 70 7.250 978.91 POMPANO BEACH FL 33062 5 10/24/02 00 1645499 05 12/01/02 0 1645499 N 11/01/32 0 8491583 286/286 F 100,050.00 ZZ 360 99,959.55 1 6.500 632.39 80 6.250 632.39 LITCHFIELD PARK AZ 85340 1 01/03/03 00 1867338 05 03/01/03 0 1867338 N 02/01/33 0 8491585 286/286 F 345,000.00 ZZ 360 344,327.65 1 6.125 2,096.26 74 5.875 2,096.26 KEY WEST FL 33040 2 12/11/02 00 1881836 05 02/01/03 0 1881836 O 01/01/33 0 8491587 286/286 F 84,150.00 ZZ 360 84,015.00 1 7.125 566.94 90 6.875 566.94 N FORT MEYERS FL 33903 1 12/04/02 14 1804678 01 02/01/03 25 1804678 N 01/01/33 0 8491589 286/286 F 97,200.00 ZZ 360 96,843.86 1 7.625 687.98 90 7.375 687.98 WASHINGTON DC 20032 1 09/05/02 21 1537800 05 11/01/02 25 1 1537800 N 10/01/32 0 8491591 286/286 F 259,550.00 ZZ 360 258,670.27 1 6.875 1,705.06 79 6.625 1,705.06 DENVER CO 80209 2 10/16/02 00 1576014 05 12/01/02 0 1576014 N 11/01/32 0 8491593 286/286 F 294,850.00 ZZ 360 293,874.74 1 7.000 1,961.65 80 6.750 1,961.65 DENVER CO 80220 2 10/16/02 00 1576016 05 12/01/02 0 1576016 N 11/01/32 0 8491595 286/286 F 48,480.00 ZZ 360 48,437.22 1 6.625 310.43 80 6.375 310.43 BOSSIER CITY LA 71112 1 01/06/03 00 1856080 03 03/01/03 0 1856080 N 02/01/33 0 8491597 286/286 F 48,480.00 ZZ 360 48,437.22 1 6.625 310.43 80 6.375 310.43 BOSSIER CITY LA 71112 1 01/06/03 00 1856085 03 03/01/03 0 1856085 N 02/01/33 0 8491599 286/286 F 48,480.00 ZZ 360 48,437.22 1 6.625 310.43 80 6.375 310.43 BOSSIER CITY LA 71112 1 01/06/03 00 1856096 03 03/01/03 0 1856096 N 02/01/33 0 1 8491601 286/286 F 48,480.00 ZZ 360 48,437.22 1 6.625 310.43 80 6.375 310.43 BOSSIER CITY LA 71112 1 01/06/03 00 1856113 03 03/01/03 0 1856113 N 02/01/33 0 8491603 P09/G02 F 108,000.00 ZZ 360 108,000.00 1 6.250 664.97 90 6.000 664.97 DISTRICT HEIGHT MD 20747 5 02/15/03 10 0435496369 07 04/01/03 25 02100241 O 03/01/33 0 8491605 286/286 F 245,150.00 ZZ 360 244,694.67 1 6.375 1,529.42 93 6.125 1,529.42 SOUTH PLAINFIEL NJ 07080 1 12/06/02 21 1789519 05 02/01/03 25 1789519 O 01/01/33 0 8491607 286/286 F 90,300.00 ZZ 360 90,124.01 1 6.125 548.68 80 5.875 548.68 OAKWOOD GA 30566 1 12/31/02 00 1916332 05 02/01/03 0 1916332 N 01/01/33 0 8491609 286/286 F 420,000.00 ZZ 360 419,620.31 1 6.500 2,654.69 72 6.250 2,654.69 ALAMEDA CA 94502 5 01/02/03 00 1823754 05 03/01/03 0 1823754 O 02/01/33 0 8491611 286/286 F 47,200.00 ZZ 360 47,055.00 1 7.375 326.00 80 7.125 326.00 1 INDIANAPOLIS IN 46208 1 10/08/02 00 1592668 05 12/01/02 0 1592668 N 11/01/32 0 8491613 286/286 F 263,200.00 ZZ 360 262,756.49 3 6.875 1,729.04 65 6.625 1,729.04 WINTHROP MA 02152 5 01/02/03 00 1837039 05 02/01/03 0 1837039 N 01/01/33 0 8491619 286/286 F 107,200.00 ZZ 360 107,014.88 1 6.750 695.30 80 6.500 695.30 BROCKTON MA 02302 1 12/24/02 00 1813114 05 02/01/03 0 1813114 N 01/01/33 0 8491621 286/286 F 368,000.00 ZZ 360 367,379.89 1 6.875 2,417.50 80 6.625 2,417.50 CHICAGO IL 60646 5 12/20/02 00 1802314 05 02/01/03 0 1802314 O 01/01/33 0 8491629 286/286 F 455,000.00 ZZ 360 454,175.12 1 6.500 2,875.91 55 6.250 2,875.91 CARMEL VALLEY CA 93924 5 12/11/02 00 1786920 05 02/01/03 0 1786920 N 01/01/33 0 8491631 286/286 F 351,000.00 ZZ 360 349,529.24 3 6.750 2,276.58 90 6.500 2,276.58 REVERE MA 02151 1 12/27/02 12 1524695 05 02/01/03 25 1524695 N 01/01/33 0 1 8491633 286/286 F 138,000.00 ZZ 360 137,881.18 1 6.750 895.07 79 6.500 895.07 ENGLEWOOD CO 80110 1 01/10/03 00 1927572 05 03/01/03 0 1927572 N 02/01/33 0 8491635 286/286 F 294,750.00 ZZ 360 294,496.22 4 6.750 1,911.75 90 6.500 1,911.75 GLADSTONE OR 97027 1 01/06/03 11 1877690 05 03/01/03 25 1877690 N 02/01/33 0 8491637 286/286 F 353,500.00 ZZ 360 352,904.32 1 6.875 2,322.25 72 6.625 2,322.25 DENVER CO 80206 2 12/05/02 00 1681051 05 02/01/03 0 1681051 O 01/01/33 0 8491639 286/286 F 112,800.00 ZZ 360 112,700.46 4 6.625 722.28 80 6.375 722.28 HAMILTON OH 45013 1 01/02/03 00 1872576 05 03/01/03 0 1872576 N 02/01/33 0 8491641 286/286 F 70,800.00 ZZ 360 70,680.69 1 6.875 465.11 80 6.625 465.11 RICHMOND VA 23236 1 12/23/02 00 1856581 05 02/01/03 0 1856581 N 01/01/33 0 8491643 286/286 F 420,000.00 ZZ 360 419,219.91 1 1 6.375 2,620.26 76 6.125 2,620.26 METUCHEN NJ 08840 5 12/16/02 00 1678087 05 02/01/03 0 1678087 O 01/01/33 0 8491645 286/286 F 360,000.00 ZZ 360 359,726.06 1 7.375 2,486.44 67 7.125 2,486.44 ALISO VIEJO CA 92656 5 01/06/03 00 1850650 05 03/01/03 0 1850650 O 02/01/33 0 8491647 286/286 F 500,000.00 ZZ 360 499,025.56 2 6.125 3,038.06 80 5.875 3,038.06 CHICAGO IL 60657 5 12/13/02 00 1788538 05 02/01/03 0 1788538 O 01/01/33 0 8491649 286/286 F 336,000.00 ZZ 360 334,558.62 1 6.250 2,068.82 53 6.000 2,068.82 SAN FRANCISCO CA 94121 2 12/02/02 00 1798424 05 02/01/03 0 1798424 O 01/01/33 0 8491653 286/286 F 175,500.00 ZZ 360 175,204.27 2 6.875 1,152.91 90 6.625 1,152.91 JERSEY CITY NJ 07307 1 12/03/02 04 1737930 05 02/01/03 30 1737930 O 01/01/33 0 8491655 E47/G02 F 293,600.00 ZZ 360 293,600.00 2 6.625 1,879.95 80 6.375 1,879.95 CASTRO VALLEY CA 94546 1 02/14/03 00 0435475652 05 04/01/03 0 1 7359513448 O 03/01/33 0 8491657 286/286 F 105,600.00 ZZ 360 105,408.54 1 6.500 667.47 80 6.250 667.47 TEMPE AZ 85282 5 12/24/02 00 1878429 05 02/01/03 0 1878429 N 01/01/33 0 8491659 286/286 F 340,000.00 ZZ 360 339,685.09 1 6.375 2,121.16 43 6.125 2,121.16 WESTPORT CT 06880 5 01/16/03 00 1874362 05 03/01/03 0 1874362 O 02/01/33 0 8491661 286/286 F 348,000.00 ZZ 360 347,399.05 1 6.750 2,257.13 80 6.500 2,257.13 CAVE CREEK AZ 85331 1 12/23/02 00 1867661 05 02/01/03 0 1867661 O 01/01/33 0 8491663 286/286 F 199,200.00 ZZ 360 198,830.02 1 6.375 1,242.75 80 6.125 1,242.75 WOODINVILLE WA 98072 1 12/30/02 00 1894273 05 02/01/03 0 1894273 N 01/01/33 0 8491665 286/286 F 331,000.00 ZZ 360 330,075.39 1 6.375 2,065.01 80 6.125 2,065.01 LITTLETON CO 80126 2 11/26/02 00 1787887 05 01/01/03 0 1787887 O 12/01/32 0 1 8491667 286/286 F 135,000.00 ZZ 300 134,730.53 4 6.000 869.81 72 5.750 869.81 WATERBURY CT 06705 2 12/11/02 00 1820052 05 02/01/03 0 1820052 O 01/01/28 0 8491669 286/286 F 649,000.00 ZZ 360 647,593.45 1 6.500 4,102.13 73 6.250 4,102.13 NOVI MI 48374 5 11/26/02 00 1725659 05 02/01/03 0 1725659 O 01/01/33 0 8491671 286/286 F 110,250.00 ZZ 360 110,068.72 4 7.000 733.50 89 6.750 733.50 ALBUQUERUQE NM 87108 2 12/11/02 10 1857304 05 02/01/03 25 1857304 N 01/01/33 0 8491673 286/286 F 52,000.00 ZZ 360 51,922.56 1 7.500 363.60 80 7.250 363.60 GREENVILLE SC 29605 2 12/31/02 00 1870361 05 02/01/03 0 1870361 N 01/01/33 0 8491675 286/286 F 106,400.00 ZZ 360 106,303.81 1 6.500 672.52 80 6.250 672.52 BOCA RATON FL 33433 1 01/17/03 00 1915953 05 03/01/03 0 1915953 N 02/01/33 0 8491681 286/286 F 187,950.00 ZZ 360 187,583.71 1 6.125 1,142.01 80 5.875 1,142.01 1 CHARLESTON SC 29492 1 12/27/02 00 1916287 05 02/01/03 0 1916287 N 01/01/33 0 8491685 286/286 F 56,800.00 ZZ 360 56,627.16 1 6.500 359.02 80 6.250 359.02 DETROIT MI 48234 1 11/27/02 00 1719164 05 01/01/03 0 1719164 N 12/01/32 0 8491687 286/286 F 380,000.00 ZZ 360 379,276.11 1 6.250 2,339.73 80 6.000 2,339.73 PRIOR LAKE MN 55372 5 12/13/02 00 1790762 05 02/01/03 0 1790762 O 01/01/33 0 8491691 286/286 F 523,000.00 ZZ 360 522,096.88 1 6.750 3,392.17 70 6.500 3,392.17 ANDOVER MA 01810 2 12/20/02 00 1751831 05 02/01/03 0 1751831 O 01/01/33 0 8491693 286/286 F 379,532.00 ZZ 360 378,809.88 1 6.250 2,336.85 80 6.000 2,336.85 WASHINGTON DC 20002 1 12/10/02 00 1838801 05 02/01/03 0 1838801 N 01/01/33 0 8491697 286/286 F 159,300.00 ZZ 360 159,056.82 3 7.375 1,100.25 90 7.125 1,100.25 NEWARK NJ 07107 1 12/13/02 14 1678482 05 02/01/03 25 1678482 N 01/01/33 0 1 8491699 286/286 F 500,000.00 ZZ 360 499,547.98 1 6.500 3,160.35 80 6.250 3,160.35 SUGARLOAF KEY FL 33042 1 01/03/03 00 1901762 05 03/01/03 0 1901762 O 02/01/33 0 8491701 286/286 F 364,000.00 ZZ 360 363,323.93 1 6.375 2,270.89 73 6.125 2,270.89 TOMS RIVER NJ 08755 2 12/23/02 00 1549672 05 02/01/03 0 1549672 O 01/01/33 0 8491703 286/286 F 331,000.00 ZZ 360 330,428.43 1 6.750 2,146.86 70 6.500 2,146.86 GREAT FALLS VA 22066 5 12/18/02 00 1863485 05 02/01/03 0 1863485 O 01/01/33 0 8491705 286/286 F 64,000.00 ZZ 360 63,907.06 2 7.625 452.99 80 7.375 452.99 AKRON OH 44320 5 12/16/02 00 1410663 05 02/01/03 0 1410663 N 01/01/33 0 8491707 286/286 F 64,000.00 ZZ 360 63,907.06 2 7.625 452.99 80 7.375 452.99 AKRON OH 44320 5 12/16/02 00 1410671 05 02/01/03 0 1410671 N 01/01/33 0 8491709 286/286 F 64,000.00 ZZ 360 63,907.06 2 1 7.625 452.99 80 7.375 452.99 AKRON OH 44320 5 12/16/02 00 1410674 05 02/01/03 0 1410674 N 01/01/33 0 8491713 286/286 F 115,000.00 ZZ 360 114,786.39 1 6.375 717.45 80 6.125 717.45 LITCHFIELD PARK AZ 85340 1 12/13/02 00 1881190 05 02/01/03 0 1881190 N 01/01/33 0 8491717 286/286 F 335,000.00 ZZ 360 333,719.58 1 6.500 2,117.43 73 6.250 2,117.43 PHOENIXVILLE PA 19460 1 11/29/02 00 1811280 05 01/01/03 0 1811280 O 12/01/32 0 8491719 286/286 F 58,400.00 ZZ 360 58,301.58 1 6.875 383.65 80 6.625 383.65 CRESCENT CITY CA 95531 1 12/13/02 00 1811453 05 02/01/03 0 1811453 N 01/01/33 0 8491721 286/286 F 840,000.00 ZZ 360 839,202.97 1 6.250 5,172.03 70 6.000 5,172.03 LAGUNA NIGUEL CA 92677 1 01/08/03 00 1924183 05 03/01/03 0 1924183 O 02/01/33 0 8491725 286/286 F 353,000.00 ZZ 360 352,328.36 1 6.250 2,173.49 85 6.000 2,173.49 GLENVIEW IL 60025 2 12/19/02 11 1815282 05 02/01/03 12 1 1815282 O 01/01/33 0 8491729 286/286 F 183,300.00 ZZ 360 182,595.66 1 6.375 1,143.55 80 6.125 1,143.55 AURORA CO 80015 1 10/11/02 00 1680671 05 12/01/02 0 1680671 O 11/01/32 0 8491733 286/286 F 135,000.00 ZZ 360 134,388.46 1 6.375 842.23 90 6.125 842.23 MCLEAN VA 22102 1 11/27/02 12 1735194 01 01/01/03 25 1735194 O 12/01/32 0 8491737 286/286 F 159,200.00 ZZ 360 158,904.30 1 6.375 993.21 80 6.125 993.21 SHELTON CT 06484 5 12/12/02 00 1782853 01 02/01/03 0 1782853 O 01/01/33 0 8491741 286/286 F 359,840.00 ZZ 360 358,905.30 1 6.750 2,333.92 80 6.500 2,333.92 CLARK NJ 07066 1 12/03/02 00 1615474 05 01/01/03 0 1615474 O 12/01/32 0 8491745 286/286 F 170,000.00 ZZ 360 169,786.36 1 6.250 1,046.72 90 6.000 1,046.72 SPRING HILL KS 66083 2 01/03/03 14 1862409 05 03/01/03 30 1862409 O 02/01/33 0 1 8491751 286/286 F 339,000.00 ZZ 360 338,184.88 1 6.500 2,142.71 90 6.250 2,142.71 WELLINGTON FL 33414 1 12/31/02 21 1885697 05 02/01/03 25 1885697 O 01/01/33 0 8491755 286/286 F 181,800.00 T 360 181,304.27 1 6.500 1,149.10 90 6.250 1,149.10 FT LAUDERDALE FL 33308 1 11/18/02 14 1273153 01 01/01/03 25 1273153 O 12/01/32 0 8491759 286/286 F 152,000.00 ZZ 360 151,717.67 1 6.375 948.29 80 6.125 948.29 MARIETTA GA 30068 1 12/06/02 00 1803337 05 02/01/03 0 1803337 N 01/01/33 0 8491765 286/286 F 335,000.00 ZZ 360 334,392.66 1 6.500 2,117.43 69 6.250 2,117.43 LIVINGSTON NJ 07039 2 12/26/02 00 1676961 01 02/01/03 0 1676961 O 01/01/33 0 8491769 286/286 F 455,000.00 ZZ 360 454,194.90 2 6.625 2,913.42 70 6.375 2,913.42 OCEAN CITY NJ 08226 1 12/27/02 00 1841108 05 02/01/03 0 1841108 N 01/01/33 0 8491773 286/286 F 350,000.00 ZZ 360 349,334.07 1 6.250 2,155.02 77 6.000 2,155.02 1 VENTURA CA 93001 5 12/20/02 00 1898185 05 02/01/03 0 1898185 O 01/01/33 0 8491777 286/286 F 166,500.00 ZZ 360 166,245.82 3 7.375 1,149.98 90 7.125 1,149.98 NEWARK NJ 07101 1 12/27/02 12 1678527 05 02/01/03 25 1678527 N 01/01/33 0 8491781 286/286 F 252,000.00 ZZ 360 251,180.67 3 7.500 1,762.03 90 7.250 1,762.03 LOS ANGELES CA 90003 5 12/17/02 12 1877642 05 02/01/03 30 1877642 O 01/01/33 0 8491787 286/286 F 237,500.00 ZZ 360 237,137.44 3 7.375 1,640.36 90 7.125 1,640.36 MANCHESTER NH 03103 1 12/16/02 11 1832169 05 02/01/03 25 1832169 N 01/01/33 0 8491791 286/286 F 332,000.00 ZZ 360 331,368.32 1 6.250 2,044.19 80 6.000 2,044.19 VENTURA CA 93003 5 12/19/02 00 1890083 05 02/01/03 0 1890083 O 01/01/33 0 8491797 286/286 F 58,400.00 ZZ 360 58,313.03 2 7.500 408.35 80 7.250 408.35 PANAMA CITY FL 32401 5 12/26/02 00 1895147 05 02/01/03 0 1895147 N 01/01/33 0 1 8491801 286/286 F 387,000.00 ZZ 360 386,281.21 1 6.375 2,414.38 35 6.125 2,414.38 WILTON CT 06897 2 12/14/02 00 1756982 05 02/01/03 0 1756982 O 01/01/33 0 8491809 286/286 F 78,930.00 ZZ 360 78,812.46 4 7.500 551.90 90 7.250 551.90 SWEDESBORO NJ 08085 1 12/10/02 04 1819659 05 02/01/03 25 1819659 N 01/01/33 0 8491813 286/286 F 368,600.00 ZZ 360 367,947.78 1 6.625 2,360.19 50 6.375 2,360.19 SAN DIEGO CA 92103 2 12/10/02 00 1799246 05 02/01/03 0 1799246 N 01/01/33 0 8491823 286/286 F 363,800.00 ZZ 360 363,156.27 1 6.625 2,329.46 37 6.375 2,329.46 ALAMO CA 94507 2 12/10/02 00 1816773 05 02/01/03 0 1816773 O 01/01/33 0 8491827 286/286 F 152,550.00 ZZ 360 152,311.28 4 7.250 1,040.66 90 7.000 1,040.66 HOLLYWOOD FL 33020 1 12/23/02 10 1845165 05 02/01/03 30 1845165 N 01/01/33 0 8491831 286/286 F 468,000.00 ZZ 360 467,576.92 3 1 6.500 2,958.08 90 6.250 2,958.08 CORONA NY 11368 1 01/06/03 12 1826331 05 03/01/03 25 1826331 O 02/01/33 0 8491835 286/286 F 404,000.00 ZZ 360 403,005.07 1 7.000 2,687.83 90 6.750 2,687.83 WEEHAWKEN NJ 07087 1 12/23/02 14 1566900 05 02/01/03 25 1566900 O 01/01/33 0 8491839 286/286 F 332,000.00 ZZ 360 331,412.54 1 6.625 2,125.84 80 6.375 2,125.84 SPRINGFIELD VA 22153 5 12/26/02 00 1845848 05 02/01/03 0 1845848 O 01/01/33 0 8491843 286/286 F 336,000.00 ZZ 360 334,934.03 1 6.250 2,068.82 80 6.000 2,068.82 GROSSE POINTE W MI 48236 2 11/22/02 00 1799158 05 01/01/03 0 1799158 O 12/01/32 0 8491847 286/286 F 48,000.00 ZZ 360 47,852.78 1 7.125 323.39 80 6.875 323.39 INDIANAPOLIS IN 46241 5 12/11/02 00 1802281 05 02/01/03 0 1802281 N 01/01/33 0 8491855 286/286 F 526,000.00 ZZ 360 525,113.65 1 6.875 3,455.45 42 6.625 3,455.45 LOS ALTOS CA 94022 1 12/11/02 00 1756292 05 02/01/03 0 1 1756292 N 01/01/33 0 8491859 286/286 F 340,000.00 ZZ 360 338,967.44 1 6.375 2,121.16 49 6.125 2,121.16 WESTFIELD NJ 07090 5 12/23/02 00 1747652 05 02/01/03 0 1747652 O 01/01/33 0 8491867 286/286 F 52,000.00 ZZ 360 51,918.61 2 7.250 354.73 65 7.000 354.73 INDIANANPOLIS IN 46201 5 12/20/02 00 1848162 05 02/01/03 0 1848162 N 01/01/33 0 8491871 286/286 F 35,750.00 ZZ 360 35,694.05 2 7.250 243.88 65 7.000 243.88 INDIANAPOLIS IN 46201 5 12/20/02 00 1848186 05 02/01/03 0 1848186 N 01/01/33 0 8491877 286/286 F 328,500.00 ZZ 360 327,273.21 2 6.375 2,049.42 90 6.125 2,049.42 DORCHESTER MA 02124 1 10/11/02 12 1613301 05 12/01/02 25 1613301 O 11/01/32 0 8491883 286/286 F 346,000.00 ZZ 360 345,357.37 1 6.375 2,158.59 42 6.125 2,158.59 FOSTER CITY CA 94404 2 12/09/02 00 1811253 05 02/01/03 0 1811253 N 01/01/33 0 1 8491893 286/286 F 369,700.00 ZZ 360 368,979.51 1 6.125 2,246.34 80 5.875 2,246.34 BRENTWOOD CA 94513 1 12/27/02 00 1919318 05 02/01/03 0 1919318 O 01/01/33 0 8491899 286/286 F 142,300.00 T 360 142,068.20 1 6.375 887.77 80 6.125 887.77 BERLIN MD 21811 2 12/30/02 00 1045681 05 03/01/03 0 1045681 O 02/01/33 0 8491907 286/286 F 64,000.00 ZZ 360 63,943.53 1 6.625 409.80 76 6.375 409.80 ASHLAND OH 44805 5 01/08/03 00 1785711 05 03/01/03 0 1785711 N 02/01/33 0 8491913 286/286 F 324,000.00 ZZ 360 323,480.26 2 7.125 2,182.85 90 6.875 2,182.85 DORCHESTER MA 02122 1 12/16/02 12 1746242 05 02/01/03 25 1746242 O 01/01/33 0 8491925 286/286 F 377,600.00 ZZ 360 376,848.87 1 6.375 2,355.74 80 6.125 2,355.74 MOUNTAINSIDE NJ 07092 1 12/05/02 00 1678142 05 02/01/03 0 1678142 O 01/01/33 0 8491931 286/286 F 385,000.00 ZZ 360 384,660.32 1 6.625 2,465.20 80 6.375 2,465.20 1 CARLSBAD CA 92009 2 01/02/03 00 1911784 05 03/01/03 0 1911784 O 02/01/33 0 8491935 286/286 F 389,025.00 ZZ 360 388,319.71 1 6.500 2,458.91 79 6.250 2,458.91 RIDGEFIELD CT 06877 5 12/16/02 00 1730152 05 02/01/03 0 1730152 O 01/01/33 0 8491937 N74/G02 F 83,700.00 ZZ 240 83,700.00 1 5.875 593.63 90 5.625 593.63 MEMPHIS TN 38125 2 02/27/03 10 0435473020 05 04/04/03 25 0031862010 O 03/04/23 0 8491941 286/286 F 340,500.00 ZZ 360 339,882.69 1 6.500 2,152.20 31 6.250 2,152.20 DANVILLE CA 94507 2 12/06/02 00 1798440 05 02/01/03 0 1798440 O 01/01/33 0 8491945 286/286 F 400,000.00 ZZ 360 399,325.97 1 6.875 2,627.72 85 6.625 2,627.72 STAMFORD CT 06902 1 12/19/02 12 1663994 05 02/01/03 12 1663994 O 01/01/33 0 8491949 286/286 F 360,000.00 ZZ 360 359,218.45 1 6.375 2,245.94 80 6.125 2,245.94 PARK CITY UT 84060 1 12/09/02 00 1865738 01 02/01/03 0 1865738 N 01/01/33 0 1 8491953 286/286 F 96,000.00 ZZ 360 95,783.58 1 6.125 583.31 80 5.875 583.31 LOS ANGELES CA 90020 5 01/02/03 00 1903246 01 02/01/03 0 1903246 O 01/01/33 0 8491957 286/286 F 400,000.00 ZZ 360 399,274.82 1 6.500 2,528.28 68 6.250 2,528.28 WINDERMERE FL 34786 1 12/19/02 00 1767516 05 02/01/03 0 1767516 N 01/01/33 0 8491961 286/286 F 391,327.00 ZZ 360 390,651.25 1 6.750 2,538.14 75 6.500 2,538.14 WINDERMERE FL 34786 1 12/19/02 00 1767521 05 02/01/03 0 1767521 N 01/01/33 0 8491965 286/286 F 298,000.00 ZZ 360 297,399.41 3 6.875 1,957.65 70 6.625 1,957.65 LOS ANGELES CA 90045 2 12/17/02 00 1784124 05 02/01/03 0 1784124 N 01/01/33 0 8491971 286/286 F 239,000.00 ZZ 360 238,808.87 3 7.125 1,610.19 63 6.875 1,610.19 CHELSEA MA 02150 5 12/16/02 00 1870611 05 03/01/03 0 1870611 N 02/01/33 0 8491975 286/286 F 228,000.00 ZZ 360 227,587.90 3 1 7.125 1,536.08 60 6.875 1,536.08 CHELSEA MA 02150 5 12/16/02 00 1870903 05 02/01/03 0 1870903 N 01/01/33 0 8491979 286/286 F 312,000.00 ZZ 360 311,499.50 4 7.125 2,102.01 65 6.875 2,102.01 CHELSEA MA 02150 5 12/16/02 00 1871042 05 02/01/03 0 1871042 N 01/01/33 0 8491983 286/286 F 214,800.00 ZZ 360 212,527.34 3 6.625 1,375.39 80 6.375 1,375.39 STOCKTON CA 95207 1 10/07/02 00 1611704 05 12/01/02 0 1611704 O 11/01/32 0 8491995 286/286 F 135,000.00 ZZ 360 134,788.74 3 7.250 920.94 90 7.000 920.94 CLEARWATER FL 33760 1 12/31/02 12 1926527 05 02/01/03 25 1926527 N 01/01/33 0 8491999 286/286 F 225,000.00 ZZ 360 224,647.89 4 7.250 1,534.90 90 7.000 1,534.90 CLEARWATER FL 33760 1 12/31/02 10 1926595 05 02/01/03 25 1926595 N 01/01/33 0 8492003 286/286 F 350,000.00 ZZ 360 349,683.59 1 6.500 2,212.24 62 6.250 2,212.24 SAN BRUNO CA 94066 2 01/02/03 00 1905237 05 03/01/03 0 1 1905237 N 02/01/33 0 8492007 286/286 F 56,700.00 ZZ 360 56,617.66 1 7.625 401.32 90 7.375 401.32 INDIANAPOLIS IN 46236 2 12/12/02 11 1844897 05 02/01/03 25 1844897 O 01/01/33 0 8492013 286/286 F 360,000.00 ZZ 360 359,562.50 1 6.375 2,245.94 47 6.125 2,245.94 SAN DIEGO CA 92131 2 01/06/03 00 1886019 05 03/01/03 0 1886019 O 02/01/33 0 8492017 286/286 F 119,700.00 ZZ 360 119,498.29 1 6.875 786.35 90 6.625 786.35 REVERE MA 02151 1 12/30/02 14 1850377 01 02/01/03 25 1850377 O 01/01/33 0 8492021 286/286 F 225,900.00 ZZ 360 225,459.74 1 6.125 1,372.60 95 5.875 1,372.60 ATWATER CA 95301 1 12/12/02 21 1581430 05 02/01/03 30 1581430 O 01/01/33 0 8492033 286/286 F 560,000.00 ZZ 360 558,484.74 1 6.500 3,539.59 74 6.250 3,539.59 LOS ANGELES CA 91364 2 12/13/02 00 1855592 05 02/01/03 0 1855592 O 01/01/33 0 1 8492037 286/286 F 480,000.00 ZZ 360 479,108.48 1 6.375 2,994.58 80 6.125 2,994.58 EL CAJON CA 92019 5 12/18/02 00 1798632 05 02/01/03 0 1798632 O 01/01/33 0 8492041 286/286 F 59,200.00 ZZ 360 59,105.02 2 7.125 398.85 80 6.875 398.85 INDIANAPOLIS IN 46201 5 12/19/02 00 1842516 05 02/01/03 0 1842516 N 01/01/33 0 8492043 286/286 F 399,900.00 ZZ 360 399,209.44 1 6.750 2,593.75 78 6.500 2,593.75 SAN DIEGO CA 92128 1 12/18/02 00 1843328 05 02/01/03 0 1843328 O 01/01/33 0 8492047 286/286 F 701,250.00 ZZ 360 700,205.87 4 7.500 4,903.25 75 7.250 4,903.25 SUNNYVALE CA 94086 1 12/20/02 00 1859155 05 02/01/03 0 1859155 O 01/01/33 0 8492051 286/286 F 176,000.00 ZZ 360 175,680.92 2 6.500 1,112.44 80 6.250 1,112.44 LOS ANGELES CA 90044 5 12/20/02 00 1738372 05 02/01/03 0 1738372 O 01/01/33 0 8492055 286/286 F 485,000.00 ZZ 360 481,900.63 1 6.750 3,145.71 64 6.500 3,145.71 1 SAN MARCOS CA 92069 2 12/19/02 00 1816253 05 02/01/03 0 1816253 O 01/01/33 0 8492065 286/286 F 372,600.00 ZZ 360 370,960.31 1 6.250 2,294.17 80 6.000 2,294.17 CHINO HILLS CA 91709 1 12/23/02 00 1900232 05 02/01/03 0 1900232 O 01/01/33 0 8492069 286/286 F 180,975.00 ZZ 360 180,654.78 1 6.625 1,158.80 95 6.375 1,158.80 MARTINSBURG WV 25401 1 12/31/02 11 0001244709 03 02/01/03 30 0001244709 O 01/01/33 0 8492079 286/286 F 344,000.00 ZZ 360 342,774.71 1 6.500 2,174.32 80 6.250 2,174.32 SAN JOSE CA CA 95135 1 12/18/02 00 1865235 05 02/01/03 0 1865235 N 01/01/33 0 8492085 286/286 F 485,000.00 ZZ 360 484,099.20 1 6.375 3,025.77 38 6.125 3,025.77 DEL MAR CA 92014 2 12/19/02 00 1874664 05 02/01/03 0 1874664 O 01/01/33 0 8492089 286/286 F 54,900.00 ZZ 360 54,735.49 1 7.500 383.87 90 7.250 383.87 INDIANAPOLIS IN 46203 2 10/25/02 11 1506041 05 12/01/02 30 1506041 N 11/01/32 0 1 8492093 286/286 F 330,000.00 ZZ 360 329,679.26 1 6.125 2,005.12 60 5.875 2,005.12 LAGUNA NIGUEL CA 92677 5 01/08/03 00 1844766 05 03/01/03 0 1844766 O 02/01/33 0 8492095 286/286 F 332,000.00 ZZ 360 331,505.66 2 7.500 2,321.40 80 7.250 2,321.40 SAN LEANDRO CA 94577 5 12/19/02 00 1884235 05 02/01/03 0 1884235 O 01/01/33 0 8492099 286/286 F 49,200.00 ZZ 360 49,110.80 1 6.500 310.98 80 6.250 310.98 PORTSMOUTH VA 23707 5 12/24/02 00 0001244659 05 02/01/03 0 0001244659 O 01/01/33 0 8492103 286/286 F 615,000.00 ZZ 360 613,885.05 1 6.500 3,887.22 56 6.250 3,887.22 SAN JOSE CA 95121 5 12/16/02 00 1792589 05 02/01/03 0 1792589 O 01/01/33 0 8492117 286/286 F 415,600.00 ZZ 360 415,224.29 1 6.500 2,626.88 80 6.250 2,626.88 ESCONDIDO CA 92026 2 01/06/03 00 1847930 05 03/01/03 0 1847930 O 02/01/33 0 8492123 286/286 F 297,000.00 ZZ 360 296,774.00 4 1 7.375 2,051.31 90 7.125 2,051.31 MIAMI BCH FL 33141 1 01/09/03 21 1766030 05 03/01/03 25 1766030 N 02/01/33 0 8492129 286/286 F 404,000.00 ZZ 360 403,277.28 1 6.625 2,586.86 80 6.375 2,586.86 WOODLAND HILLS CA 91364 2 12/26/02 00 1896950 05 02/01/03 0 1896950 O 01/01/33 0 8492131 286/286 F 108,000.00 T 360 107,779.22 1 5.875 638.87 90 5.625 638.87 LANCASTER CA 93536 1 11/26/02 10 1839637 05 02/01/03 25 1839637 O 01/01/33 0 8492135 286/286 F 444,000.00 ZZ 360 443,450.26 1 6.375 2,769.99 60 6.125 2,769.99 SAN DIEGO CA 92130 2 12/31/02 00 1888154 05 03/01/03 0 1888154 O 02/01/33 0 8492141 286/286 F 255,000.00 ZZ 360 254,559.66 3 6.750 1,653.93 79 6.500 1,653.93 LOS ANGELES CA 90039 2 12/17/02 00 1799050 05 02/01/03 0 1799050 O 01/01/33 0 8492171 286/286 F 238,500.00 ZZ 360 238,299.63 1 6.875 1,566.78 90 6.625 1,566.78 SAN DIEGO CA 92120 1 12/30/02 14 1893408 01 03/01/03 25 1 1893408 O 02/01/33 0 8492177 286/286 F 112,000.00 ZZ 360 111,912.63 3 7.250 764.04 75 7.000 764.04 ALBUQUERQUE NM 87102 5 01/06/03 00 1911967 05 03/01/03 0 1911967 O 02/01/33 0 8492183 286/286 F 359,950.00 ZZ 360 359,591.66 2 6.000 2,158.09 90 5.750 2,158.09 SAN DIEGO CA 92117 1 12/30/02 10 1915730 05 03/01/03 25 1915730 O 02/01/33 0 8492185 286/286 F 49,500.00 ZZ 360 49,318.55 1 7.625 350.36 90 7.375 350.36 INDIANAPOLIS IN 46222 1 09/24/02 11 1530665 05 11/01/02 25 1530665 N 10/01/32 0 8492191 286/286 F 167,900.00 ZZ 360 167,740.69 1 6.250 1,033.79 80 6.000 1,033.79 SUN CITY CA 92586 1 01/08/03 00 1894206 05 03/01/03 0 1894206 N 02/01/33 0 8492197 286/286 F 134,100.00 ZZ 240 133,567.83 1 6.750 1,019.65 90 6.500 1,019.65 SAN PEDRO AREA CA 90731 2 11/27/02 12 1757390 01 02/01/03 25 1757390 O 01/01/23 0 1 8492203 286/286 F 96,000.00 ZZ 360 95,928.75 1 7.500 671.25 80 7.250 671.25 SACRAMENTO CA 95815 1 01/03/03 00 1915791 05 03/01/03 0 1915791 N 02/01/33 0 8492207 286/286 F 339,200.00 ZZ 360 338,878.15 1 6.250 2,088.52 80 6.000 2,088.52 SAN DIEGO CA 92120 1 01/02/03 00 1889217 05 03/01/03 0 1889217 O 02/01/33 0 8492211 286/286 F 212,000.00 ZZ 360 211,500.83 1 7.250 1,446.22 76 7.000 1,446.22 SAN PEDRO CA 90732 2 11/25/02 00 1695647 01 01/01/03 0 1695647 O 12/01/32 0 8492215 286/286 F 266,500.00 ZZ 360 266,126.82 3 6.875 1,750.72 45 6.625 1,750.72 LOS ANGELES CA 90025 5 01/06/03 00 1864242 05 03/01/03 0 1864242 N 02/01/33 0 8492231 X44/G02 F 166,250.00 ZZ 360 166,250.00 1 6.500 1,050.81 78 6.250 1,050.81 TOWNSHIP OF VER NJ 07462 1 02/28/03 00 0435478862 05 04/01/03 0 10478713 O 03/01/33 0 8492251 U37/U37 F 360,000.00 ZZ 360 360,000.00 1 6.125 2,187.40 80 5.875 2,187.40 1 SANTA MARIA CA 93455 5 02/06/03 00 8900010993 05 04/01/03 0 8900010993 O 03/01/33 0 8492471 N47/G02 F 114,000.00 ZZ 360 114,000.00 1 5.875 674.35 30 5.625 674.35 LAGUNA NIGUEL CA 92677 5 02/20/03 00 0435499405 03 04/01/03 0 30502745 O 03/01/33 0 8492739 144/144 F 167,600.00 ZZ 360 167,448.48 1 6.500 1,059.35 80 6.250 1,059.35 SAUGERTIES NY 12477 5 02/24/03 00 02HUMPHREY K 09 03/01/03 0 02HUMPHREY K O 02/01/33 0 8492753 E44/G02 F 115,200.00 ZZ 360 115,200.00 1 6.125 699.97 80 5.875 699.97 HARRISVILLE UT 84404 1 02/28/03 00 0435476734 05 04/01/03 0 52030013 O 03/01/33 0 8492815 K15/G02 F 212,200.00 ZZ 360 212,200.00 2 5.875 1,255.24 69 5.625 1,255.24 FAR ROCKAWAY NY 11691 2 02/24/03 00 0435462726 05 04/01/03 0 021205507973 O 03/01/33 0 8492891 975/G02 F 385,000.00 ZZ 360 385,000.00 1 6.375 2,401.90 77 6.125 2,401.90 CERRITOS CA 90703 5 02/17/03 00 0435468574 05 04/01/03 0 2030717 O 03/01/33 0 1 8492983 G51/G02 F 95,000.00 ZZ 360 95,000.00 1 6.500 600.46 64 6.250 600.46 PLACITAS NM 87043 5 02/28/03 00 0435467998 05 04/01/03 0 29000067 O 03/01/33 0 8493103 X89/G02 F 366,750.00 ZZ 360 366,750.00 1 6.125 2,228.41 75 5.875 2,228.41 LAKE ARROWHEAD CA 92352 5 02/21/03 00 0435488887 05 04/01/03 0 1010241043 O 03/01/33 0 8493113 T29/G02 F 130,400.00 ZZ 360 130,400.00 1 6.250 802.90 80 6.000 802.90 CHANDLER AZ 85224 5 02/21/03 00 0435477203 03 04/01/03 0 1532892 O 03/01/33 0 8493115 P34/G02 F 185,250.00 ZZ 360 185,250.00 1 6.250 1,140.62 95 6.000 1,140.62 COVENTRY RI 02816 5 02/21/03 10 0435514302 05 04/01/03 30 15812 O 03/01/33 0 8493149 U85/G02 F 513,000.00 ZZ 360 513,000.00 1 6.250 3,158.63 56 6.000 3,158.63 ALEXANDRIA VA 22314 5 02/18/03 00 0435478912 07 04/01/03 0 FORD O 03/01/33 0 8494965 E82/G02 F 161,600.00 ZZ 360 161,600.00 1 1 6.625 1,034.74 40 6.375 1,034.74 SAN JOSE CA 95133 2 03/04/03 00 0400781217 05 04/01/03 0 0400781217 N 03/01/33 0 8495341 E22/G02 F 158,600.00 ZZ 360 158,600.00 1 6.250 976.53 34 6.000 976.53 SOUTH LAKE TAHO CA 96150 1 02/27/03 00 0415989250 05 04/01/03 0 0415989250 N 03/01/33 0 8495375 E22/G02 F 131,000.00 ZZ 360 131,000.00 1 6.125 795.97 80 5.875 795.97 FORT WORTH TX 76179 5 02/28/03 00 0416029528 05 04/01/03 0 0416029528 O 03/01/33 0 8495499 E22/G02 F 232,000.00 ZZ 360 232,000.00 1 6.250 1,428.46 80 6.000 1,428.46 CHARLOTTE NC 28269 5 02/28/03 00 0416046597 05 04/01/03 0 0416046597 O 03/01/33 0 8495585 E22/G02 F 300,000.00 ZZ 360 300,000.00 1 6.375 1,871.61 80 6.125 1,871.61 HIGHLAND UT 84003 2 02/27/03 00 0415458165 05 04/01/03 0 0415458165 O 03/01/33 0 8495639 E22/G02 F 184,800.00 ZZ 360 184,800.00 1 6.625 1,183.29 80 6.375 1,183.29 MONTROSE CO 81401 2 02/25/03 00 0415861053 05 04/01/03 0 1 0415861053 O 03/01/33 0 8495663 E22/G02 F 121,500.00 ZZ 360 121,500.00 2 6.625 777.98 90 6.375 777.98 NEW ORLEANS LA 70119 2 03/03/03 01 0416150662 05 04/01/03 25 0416150662 N 03/01/33 0 8495669 E22/G02 F 65,000.00 ZZ 360 65,000.00 2 7.750 465.67 80 7.500 465.67 NEW ORLEANS LA 70117 2 03/05/03 00 0416151900 05 04/01/03 0 0416151900 N 03/01/33 0 8495677 E22/G02 F 60,000.00 ZZ 360 60,000.00 1 6.375 374.32 67 6.125 374.32 DENTON TX 76201 5 02/28/03 00 0416153757 05 04/01/03 0 0416153757 O 03/01/33 0 8495751 E22/G02 F 640,000.00 ZZ 360 640,000.00 1 6.125 3,888.71 60 5.875 3,888.71 METAMORA MI 48455 2 02/28/03 00 0416204402 05 04/01/03 0 0416204402 O 03/01/33 0 8495777 E22/G02 F 186,000.00 ZZ 360 186,000.00 1 6.250 1,145.23 67 6.000 1,145.23 PORTLAND OR 97217 5 02/21/03 00 0416243129 05 04/01/03 0 0416243129 N 03/01/33 0 1 8495813 E22/G02 F 187,500.00 ZZ 360 187,500.00 2 6.375 1,169.76 75 6.125 1,169.76 HOUSTON TX 77098 2 03/06/03 00 0416246833 05 04/01/03 0 0416246833 N 03/01/33 0 8495823 E22/G02 F 196,800.00 ZZ 360 196,800.00 1 6.125 1,195.78 80 5.875 1,195.78 CORAL SPRINGS FL 33071 5 02/28/03 00 0416251593 03 04/01/03 0 0416251593 O 03/01/33 0 8496319 L20/G02 F 93,600.00 ZZ 360 93,600.00 2 6.000 561.18 80 5.750 561.18 OGDEN UT 84404 1 02/26/03 00 0435494646 05 04/01/03 0 1061070158 N 03/01/33 0 8496601 G27/G02 F 243,000.00 ZZ 360 243,000.00 1 6.500 1,535.93 76 6.250 1,535.93 FLAGSTAFF AZ 86001 5 02/18/03 00 0435476395 05 04/01/03 0 27002008 O 03/01/33 0 8497811 W30/G02 F 264,000.00 ZZ 360 264,000.00 2 5.875 1,561.66 72 5.625 1,561.66 FRAMINGHAM MA 01701 5 02/28/03 00 0435493655 05 04/01/03 0 101339901 O 03/01/33 0 8498061 964/G02 F 304,000.00 ZZ 360 304,000.00 1 6.375 1,896.56 80 6.125 1,896.56 1 SCOTTSDALE AZ 85255 5 02/04/03 00 0435462452 05 04/01/03 0 341667 O 03/01/33 0 8498291 W35/G02 F 52,000.00 ZZ 360 52,000.00 1 6.250 320.18 53 6.000 320.18 MERRIVILLE IN 46410 5 02/24/03 00 0435476213 05 04/01/03 0 17660 O 03/01/33 0 8498353 964/G02 F 142,000.00 ZZ 360 142,000.00 1 6.375 885.90 60 6.125 885.90 COLFAX CA 95713 1 02/01/03 00 0435469622 05 04/01/03 0 339687 N 03/01/33 0 8498431 964/G02 F 267,500.00 ZZ 360 267,500.00 1 6.500 1,690.78 75 6.250 1,690.78 SKOKIE IL 60077 2 02/06/03 00 0435469358 05 04/01/03 0 338096 O 03/01/33 0 8499003 P30/G02 F 75,000.00 ZZ 360 75,000.00 1 7.000 498.98 95 6.750 498.98 CHARLOTTE NC 28215 1 02/28/03 11 0435484878 09 04/01/03 30 1 O 03/01/33 0 8499131 M27/G02 F 104,000.00 T 360 104,000.00 1 6.250 640.35 80 6.000 640.35 CAROLINA BEACH NC 28428 1 02/28/03 00 0435480421 01 04/01/03 0 100133206008894 O 03/01/33 0 1 8499367 Q97/G02 F 208,000.00 ZZ 360 207,204.38 1 6.250 1,280.69 80 6.000 1,280.69 ALEXANDRIA VA 22310 5 10/01/02 00 0435484142 09 12/01/02 0 16081593 O 11/01/32 0 8499745 S27/G02 F 213,750.00 ZZ 360 213,750.00 1 6.750 1,386.38 95 6.500 1,386.38 HIALEAH FL 33012 1 02/28/03 01 0435487244 05 04/01/03 30 1010027201 O 03/01/33 0 8499747 883/G02 F 130,800.00 ZZ 360 130,800.00 1 6.875 859.26 80 6.625 859.26 BIRMINGHAM AL 35222 5 02/24/03 00 0435483532 05 04/01/03 0 05020638 O 03/01/33 0 8499813 X65/G02 F 89,600.00 ZZ 360 89,600.00 1 7.625 634.18 80 7.375 634.18 VILAS NC 28692 1 02/12/03 00 0435484332 05 04/01/03 0 030081 N 03/01/33 0 8499907 R84/G02 F 246,600.00 ZZ 360 246,600.00 4 7.500 1,724.26 90 7.250 1,724.26 PUYALLUP WA 98373 1 02/13/03 11 0435479126 05 04/01/03 30 WA301337 N 03/01/33 0 8500007 R84/G02 F 84,000.00 ZZ 360 84,000.00 1 1 7.250 573.03 73 7.000 573.03 SHELTON WA 98584 2 02/18/03 00 0435478219 05 04/01/03 0 WA30121 N 03/01/33 0 8500081 U87/G02 F 340,000.00 ZZ 360 340,000.00 1 6.500 2,149.03 80 6.250 2,149.03 WHITTIER CA 90601 5 02/28/03 00 0435489729 05 04/01/03 0 1752 O 03/01/33 0 8500171 M37/G02 F 45,600.00 ZZ 360 45,600.00 1 6.500 288.22 80 6.250 288.22 GLOBE AZ 85501 1 02/26/03 00 0435479191 05 04/01/03 0 611640 O 03/01/33 0 8500289 E47/G02 F 144,000.00 TX 360 144,000.00 1 5.875 851.81 80 5.625 851.81 SAN ANTONIO TX 78259 5 02/21/03 00 0435505656 03 04/01/03 0 7362511752 O 03/01/33 0 8501187 E47/G02 F 264,000.00 ZZ 360 264,000.00 1 6.375 1,647.02 80 6.125 1,647.02 ACAMPO CA 95220 5 02/21/03 00 0435495692 05 04/01/03 0 7333012919 O 03/01/33 0 8502075 E22/G02 F 356,250.00 ZZ 360 356,250.00 1 6.375 2,222.54 75 6.125 2,222.54 ALHAMBRA CA 91801 2 02/27/03 00 0416286326 05 04/01/03 0 1 0416286326 O 03/01/33 0 8502087 E22/G02 F 361,800.00 ZZ 360 361,800.00 1 6.125 2,198.33 79 5.875 2,198.33 BOUNTIFUL UT 84010 5 02/27/03 00 0416307262 05 04/01/03 0 0416307262 O 03/01/33 0 8502089 E22/G02 F 150,400.00 ZZ 360 150,400.00 1 6.125 913.85 80 5.875 913.85 FLAGSTAFF AZ 86004 2 02/27/03 00 0416309763 05 04/01/03 0 0416309763 O 03/01/33 0 8502121 E22/G02 F 219,500.00 ZZ 360 219,500.00 2 6.000 1,316.01 80 5.750 1,316.01 MONTEREY PARK CA 91754 2 02/26/03 00 0415766492 05 04/01/03 0 0415766492 O 03/01/33 0 8502143 E22/G02 F 108,800.00 ZZ 360 108,800.00 1 7.250 742.21 85 7.000 742.21 PASCO WA 99301 5 02/07/03 04 0415931765 05 04/01/03 12 0415931765 O 03/01/33 0 8502179 E22/G02 F 364,000.00 ZZ 360 364,000.00 1 6.000 2,182.36 76 5.750 2,182.36 FAIRFIELD CA 94534 2 02/23/03 00 0416170819 03 04/01/03 0 0416170819 O 03/01/33 0 1 8502191 E22/G02 F 304,000.00 ZZ 360 304,000.00 1 6.000 1,822.63 80 5.750 1,822.63 SNOQUALMIE WA 98065 5 02/25/03 00 0416197259 03 04/01/03 0 0416197259 O 03/01/33 0 8502199 E22/G02 F 385,000.00 ZZ 360 385,000.00 1 6.375 2,401.90 70 6.125 2,401.90 CALDWELL BOROUG NJ 07006 5 02/28/03 00 0416018018 05 04/01/03 0 0416018018 O 03/01/33 0 8502201 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 5.875 1,183.08 80 5.625 1,183.08 STERLING VA 20164 5 02/28/03 00 0416023950 05 04/01/03 0 0416023950 O 03/01/33 0 8502493 S11/G02 F 346,750.00 ZZ 360 346,750.00 1 7.125 2,336.12 95 6.875 2,336.12 IRVINE CA 92715 1 02/20/03 04 0435486956 03 04/01/03 30 10210998 O 03/01/33 0 8502501 U05/G02 F 364,000.00 ZZ 360 364,000.00 4 6.125 2,211.70 80 5.875 2,211.70 NORTH HOLLYWOOD CA 91602 5 02/13/03 00 0435505094 05 04/01/03 0 3308427 O 03/01/33 0 8502533 U05/G02 F 225,000.00 ZZ 360 225,000.00 1 6.125 1,367.12 90 5.875 1,367.12 1 GRAPEVINE TX 76051 1 02/20/03 10 0435521919 05 04/01/03 25 3320049 O 03/01/33 0 8502553 A50/G02 F 35,900.00 ZZ 360 35,900.00 1 6.750 232.85 57 6.500 232.85 COLUMBUS GA 31904 2 02/25/03 00 0435488044 05 04/01/03 0 996890 N 03/01/33 0 8502697 A50/G02 F 43,600.00 ZZ 360 43,600.00 1 6.750 282.79 68 6.500 282.79 COLUMBUS GA 31904 2 02/25/03 00 0435488531 05 04/01/03 0 996881 N 03/01/33 0 8502779 Q14/G02 F 82,000.00 ZZ 360 82,000.00 1 6.250 504.89 80 6.000 504.89 OAK GROVE MO 64075 5 02/24/03 00 0435485743 05 04/01/03 0 0000311437 O 03/01/33 0 8502791 Q14/G02 F 82,500.00 ZZ 300 82,500.00 1 6.500 557.05 55 6.250 557.05 PRAIRIE VILLAGE KS 66208 5 02/26/03 00 0435485537 05 04/01/03 0 0000311539 O 03/01/28 0 8502839 168/168 F 51,300.00 ZZ 360 51,300.00 2 7.375 354.32 90 7.125 354.32 TROY NY 12182 1 02/26/03 04 319525716 05 04/01/03 25 319525716 N 03/01/33 0 1 8502963 168/168 F 300,000.00 ZZ 360 300,000.00 1 6.875 1,970.79 69 6.625 1,970.79 HUNTINGTON NY 11743 1 02/11/03 00 319445151 05 04/01/03 0 319445151 N 03/01/33 0 8502975 T08/G02 F 189,600.00 ZZ 360 189,420.10 1 6.250 1,167.40 80 6.000 1,167.40 UPPER MARLBORO MD 20774 1 01/31/03 00 0435465117 03 03/01/03 0 132016586 O 02/01/33 0 8502981 T08/G02 F 92,000.00 ZZ 360 91,788.98 1 6.000 551.59 74 5.750 551.59 CLERMONT FL 34711 1 01/17/03 00 0435465125 05 03/01/03 0 132016599 O 02/01/33 0 8502987 T08/G02 F 649,950.00 ZZ 360 649,348.02 1 6.375 4,054.84 71 6.125 4,054.84 FAIRFAX VA 22033 2 01/31/03 00 0435465158 05 03/01/03 0 132016621 O 02/01/33 0 8503007 T08/G02 F 300,000.00 ZZ 360 299,701.35 1 6.000 1,798.65 60 5.750 1,798.65 OAK PARK IL 60302 2 01/14/03 00 0435465232 05 03/01/03 0 13210740 O 02/01/33 0 8503039 T08/G02 F 98,500.00 ZZ 360 98,404.26 1 1 6.125 598.50 76 5.875 598.50 BRADENTON FL 34201 2 12/30/02 00 0435465356 01 03/01/03 0 15010510 O 02/01/33 0 8503043 T08/G02 F 96,720.00 ZZ 360 96,630.42 1 6.375 603.41 80 6.125 603.41 DEBARY FL 32713 1 01/15/03 00 0435465364 05 03/01/03 0 15010537 O 02/01/33 0 8503169 W96/G02 F 226,000.00 ZZ 360 226,000.00 1 6.000 1,354.98 69 5.750 1,354.98 DENVER CO 80220 5 02/05/03 00 0435466412 05 04/01/03 0 23010187 O 03/01/33 0 8503249 W96/G02 F 96,750.00 ZZ 360 96,750.00 1 6.250 595.71 77 6.000 595.71 BROOKLINE STATI MO 65619 2 02/10/03 00 0435466537 05 04/01/03 0 23010427 O 03/01/33 0 8503387 T44/G02 F 180,000.00 ZZ 360 180,000.00 1 6.000 1,079.19 76 5.750 1,079.19 ELK GROVE CA 95758 1 02/23/03 00 0435496872 05 04/01/03 0 1067358 N 03/01/33 0 8503519 A06/G02 F 134,000.00 ZZ 360 134,000.00 1 6.500 846.98 79 6.250 846.98 LIVONIA MI 48152 5 02/28/03 00 0435486360 05 04/01/03 0 1 1 O 03/01/33 0 8503701 A50/G02 F 100,000.00 ZZ 360 100,000.00 1 6.500 632.07 58 6.250 632.07 FERNANDINA BEAC FL 32034 5 02/24/03 00 0435493705 05 04/01/03 0 953221 O 03/01/33 0 8503721 952/G02 F 130,000.00 ZZ 360 130,000.00 1 6.125 789.89 54 5.875 789.89 BRONX NY 10469 5 02/21/03 00 0435487871 07 04/01/03 0 03001364 O 03/01/33 0 8503783 X67/G02 F 155,000.00 ZZ 360 155,000.00 1 6.750 1,005.33 71 6.500 1,005.33 PICO RIVERA CA 90660 5 02/14/03 00 0435493721 05 04/01/03 0 00283599 O 03/01/33 0 8503797 Q01/G02 F 41,800.00 ZZ 360 41,800.00 1 6.500 264.20 73 6.250 264.20 CENTERVILLE UT 84014 2 03/04/03 00 0435502794 01 04/01/03 0 126749 N 03/01/33 0 8503889 L03/G02 F 63,000.00 ZZ 360 63,000.00 2 7.500 440.51 90 7.250 440.51 PHOENIX AZ 85007 1 02/27/03 04 0435488689 05 04/01/03 25 40010380 N 03/01/33 0 1 8504345 E47/G02 F 200,250.00 ZZ 360 200,250.00 1 6.750 1,298.82 67 6.500 1,298.82 MECHANICSVILLE MD 20659 4 02/20/03 00 0435471750 05 04/01/03 0 7342510072 O 03/01/33 0 8504407 F36/G02 F 400,000.00 ZZ 360 400,000.00 1 6.625 2,561.24 80 6.375 2,561.24 BELFAIR WA 98528 1 02/18/03 00 0435484753 05 04/01/03 0 1 O 03/01/33 0 8504693 N47/G02 F 230,250.00 ZZ 360 230,250.00 2 6.500 1,455.34 75 6.250 1,455.34 HAYWARD CA 94540 1 02/26/03 00 0435498217 05 04/01/03 0 20503148 N 03/01/33 0 8504909 N74/G02 F 107,000.00 ZZ 240 107,000.00 1 6.125 774.32 63 5.875 774.32 FOREST VA 24551 2 02/28/03 00 0435511134 05 04/05/03 0 0031850010 O 03/05/23 0 8505015 T29/G02 F 164,000.00 ZZ 360 164,000.00 1 6.375 1,023.15 80 6.125 1,023.15 PEORIA AZ 85345 5 02/21/03 00 0435475611 03 04/01/03 0 1531564 O 03/01/33 0 8505369 964/G02 F 344,000.00 ZZ 360 344,000.00 1 5.875 2,034.89 80 5.625 2,034.89 1 PORTLAND OR 97219 1 02/20/03 00 0435487418 05 04/01/03 0 331264 O 03/01/33 0 8505481 758/G02 F 182,400.00 TX 360 182,400.00 1 6.250 1,123.07 80 6.000 1,123.07 RICHMOND TX 77469 5 02/24/03 00 0435524608 05 04/01/03 0 1 O 03/01/33 0 8507029 E22/G02 F 564,000.00 ZZ 360 564,000.00 1 6.375 3,518.63 80 6.125 3,518.63 DANVILLE CA 94526 5 02/13/03 00 0415815687 05 04/01/03 0 0415815687 O 03/01/33 0 8507077 E22/G02 F 204,500.00 ZZ 360 204,500.00 2 5.875 1,209.69 75 5.625 1,209.69 COLORADO SPRING CO 80907 2 03/03/03 00 0416012342 05 04/01/03 0 0416012342 O 03/01/33 0 8507079 E22/G02 F 210,000.00 ZZ 360 210,000.00 1 6.125 1,275.98 60 5.875 1,275.98 NEWBURY PARK CA 91320 5 02/11/03 00 0416012912 05 04/01/03 0 0416012912 O 03/01/33 0 8507087 E22/G02 F 417,000.00 ZZ 360 417,000.00 1 6.125 2,533.74 78 5.875 2,533.74 CALABASAS CA 91302 5 02/21/03 00 0416022010 05 04/01/03 0 0416022010 O 03/01/33 0 1 8507089 E22/G02 F 94,000.00 ZZ 360 94,000.00 1 6.125 571.15 80 5.875 571.15 DURANGO CO 81301 1 03/06/03 00 0416024412 01 04/01/03 0 0416024412 O 03/01/33 0 8507095 E22/G02 F 86,000.00 ZZ 360 86,000.00 1 6.125 522.55 61 5.875 522.55 RUSTON WA 98407 2 02/28/03 00 0416033454 05 04/01/03 0 0416033454 N 03/01/33 0 8507145 E22/G02 F 113,500.00 ZZ 360 113,500.00 1 6.500 717.40 79 6.250 717.40 PRESCOTT VALLEY AZ 86314 2 02/24/03 00 0416068633 05 04/01/03 0 0416068633 O 03/01/33 0 8507161 E22/G02 F 99,600.00 ZZ 360 99,600.00 1 6.875 654.30 80 6.625 654.30 MISSOURI CITY TX 77489 5 03/03/03 00 0416098911 03 04/01/03 0 0416098911 O 03/01/33 0 8507175 E22/G02 F 497,000.00 ZZ 360 497,000.00 1 5.875 2,939.94 71 5.625 2,939.94 JOPLIN MO 64804 2 03/03/03 00 0416117877 05 04/01/03 0 0416117877 O 03/01/33 0 8507211 E22/G02 F 360,000.00 ZZ 360 360,000.00 1 1 6.000 2,158.38 80 5.750 2,158.38 SAN JOSE CA 95136 2 02/20/03 00 0416154326 05 04/01/03 0 0416154326 O 03/01/33 0 8507289 E22/G02 F 103,000.00 ZZ 360 103,000.00 4 6.875 676.64 69 6.625 676.64 LOUISVILLE KY 40203 2 03/07/03 00 0416242360 05 04/01/03 0 0416242360 N 03/01/33 0 8507343 E22/G02 F 68,000.00 ZZ 360 68,000.00 1 6.875 446.71 73 6.625 446.71 LOUISVILLE KY 40243 2 03/07/03 00 0416287555 05 04/01/03 0 0416287555 N 03/01/33 0 8507439 E22/G02 F 68,000.00 ZZ 360 68,000.00 1 6.875 446.71 74 6.625 446.71 LOUISVILLE KY 40243 2 03/07/03 00 0416372696 05 04/01/03 0 0416372696 N 03/01/33 0 8508147 U05/G02 F 448,000.00 ZZ 360 448,000.00 1 6.125 2,722.10 80 5.875 2,722.10 NORTHRIDGE AREA CA 91326 2 02/04/03 00 0435500137 05 04/01/03 0 3305544 O 03/01/33 0 8508183 X89/G02 F 228,000.00 ZZ 360 228,000.00 1 6.375 1,422.42 80 6.125 1,422.42 ROCKLIN CA 95765 5 02/26/03 00 0435505383 05 04/01/03 0 1 1010241735 O 03/01/33 0 8508243 S27/G02 F 94,500.00 ZZ 360 94,500.00 1 7.125 636.67 90 6.875 636.67 TEMPLE HILLS MD 20748 1 02/28/03 10 0435495411 09 04/01/03 25 1130011480 N 03/01/33 0 8508385 696/G02 F 199,500.00 ZZ 360 199,500.00 1 6.375 1,244.62 62 6.125 1,244.62 BETHESDA MD 20814 5 02/27/03 00 0435467303 06 04/01/03 0 25903023 O 03/01/33 0 8508541 A06/G02 F 349,000.00 ZZ 360 349,000.00 1 6.125 2,120.57 72 5.875 2,120.57 PLEASANT RIDGE MI 48069 5 02/28/03 00 0435496500 05 04/01/03 0 1 O 03/01/33 0 8508653 B43/G02 F 220,400.00 ZZ 360 220,400.00 1 6.750 1,429.51 85 6.500 1,429.51 DALLAS TX 75248 1 02/19/03 28 0435508338 05 04/01/03 30 32868 O 03/01/33 0 8508737 369/G02 F 360,000.00 ZZ 360 360,000.00 1 6.875 2,364.95 80 6.625 2,364.95 PHOENIX AZ 85016 1 02/11/03 00 0435493986 05 04/01/03 0 0075200493 O 03/01/33 0 1 8508833 U05/G02 F 85,500.00 ZZ 360 85,500.00 2 7.500 597.83 90 7.250 597.83 ARLINGTON TX 76011 1 02/25/03 10 0435493739 05 04/01/03 25 3315397 N 03/01/33 0 8508907 U05/G02 F 218,400.00 TX 360 218,400.00 1 6.500 1,380.44 80 6.250 1,380.44 PLANO TX 75023 5 02/20/03 00 0435486865 05 04/01/03 0 3314602 O 03/01/33 0 8509223 M18/G02 F 130,000.00 ZZ 360 130,000.00 1 6.625 832.40 40 6.375 832.40 IRVINE CA 92612 5 02/18/03 00 0435502232 01 04/01/03 0 980102245 O 03/01/33 0 8509605 E47/G02 F 295,000.00 ZZ 360 295,000.00 1 6.375 1,840.42 73 6.125 1,840.42 FREMONT CA 94538 2 02/17/03 00 0435505193 05 04/01/03 0 7359513368 O 03/01/33 0 8510431 A06/G02 F 400,000.00 ZZ 360 400,000.00 1 6.125 2,430.45 79 5.875 2,430.45 PINCKNEY MI 48169 2 03/06/03 00 0435496203 29 04/01/03 0 021000020304408 N 03/01/33 0 8510613 X51/G02 F 398,000.00 ZZ 360 398,000.00 1 6.125 2,418.29 70 5.875 2,418.29 1 SIMI VALLEY CA 93065 5 02/22/03 00 0435504725 03 04/01/03 0 0030129001 O 03/01/33 0 8511691 A06/G02 F 131,200.00 ZZ 360 131,200.00 1 6.250 807.83 80 6.000 807.83 ST CLAIR SHORES MI 48080 5 02/20/03 00 0435494836 05 04/01/03 0 1000020300622 O 03/01/33 0 8512065 E22/G02 F 215,500.00 ZZ 360 215,500.00 1 6.500 1,362.11 65 6.250 1,362.11 ATLANTA GA 30308 2 02/28/03 00 0416226793 05 04/01/03 0 0416226793 N 03/01/33 0 8512137 E22/G02 F 93,600.00 ZZ 240 93,600.00 1 5.875 663.85 76 5.625 663.85 OKC OK 73159 2 03/03/03 00 0415914696 05 05/01/03 0 0415914696 O 04/01/23 0 8514383 144/144 F 214,500.00 ZZ 360 214,500.00 1 6.375 1,338.20 45 6.125 1,338.20 NEW PALTZ NY 12561 2 02/03/03 00 01EDIMARCO 05 04/01/03 0 01EDIMARCO O 03/01/33 0 8514495 144/144 F 169,600.00 ZZ 360 169,442.92 1 6.375 1,058.08 80 6.125 1,058.08 POUGHKEEPSIE NY 12603 1 01/31/03 00 160712646 05 03/01/03 0 160712646 O 02/01/33 0 1 8514593 144/144 F 80,100.00 ZZ 360 80,027.59 2 6.500 506.29 90 6.250 506.29 NEWBURGH NY 12550 1 01/29/03 11 160712323 05 03/01/03 25 160712323 N 02/01/33 0 8516345 K15/G02 F 127,100.00 ZZ 360 127,100.00 1 6.125 772.27 75 5.875 772.27 MONSON MA 01057 5 02/24/03 00 0435493267 05 04/01/03 0 037905507203 O 03/01/33 0 8516349 P34/G02 F 108,000.00 ZZ 360 108,000.00 1 6.750 700.49 73 6.500 700.49 WEST WARWICK RI 02893 2 02/24/03 00 0435504535 05 04/01/03 0 1 O 03/01/33 0 8516357 K15/G02 F 195,000.00 ZZ 300 195,000.00 1 5.875 1,241.53 74 5.625 1,241.53 UNIONDALE NY 11553 5 02/24/03 00 0435492863 05 04/01/03 0 021205510506 O 03/01/28 0 8516361 P34/G02 F 73,000.00 ZZ 360 73,000.00 2 7.000 485.68 53 6.750 485.68 PROVIDENCE RI 02908 5 02/28/03 00 0435504618 05 04/01/03 0 1 N 03/01/33 0 8516379 P34/G02 F 120,000.00 ZZ 360 120,000.00 3 1 6.500 758.49 67 6.250 758.49 PROVIDENCE RI 02909 5 02/24/03 00 0435504063 05 04/01/03 0 1 O 03/01/33 0 8516473 E47/G02 F 169,600.00 ZZ 360 169,600.00 1 6.125 1,030.51 80 5.875 1,030.51 BATTLEFIELD MO 65619 2 02/21/03 00 0435495874 05 04/01/03 0 7329013224 O 03/01/33 0 8516567 M18/G02 F 172,000.00 ZZ 360 172,000.00 1 6.375 1,073.06 80 6.125 1,073.06 GLENDALE CA 91202 1 02/20/03 00 0435494497 05 04/01/03 0 980102298 O 03/01/33 0 8516929 420/G02 F 230,400.00 ZZ 360 230,400.00 1 6.125 1,399.93 80 5.875 1,399.93 VACAVILLE CA 95687 1 02/19/03 00 0435499421 05 04/01/03 0 73000379 N 03/01/33 0 8517057 420/G02 F 452,000.00 T 360 452,000.00 1 6.375 2,819.89 80 6.125 2,819.89 TRUCKEE CA 96161 1 02/06/03 00 0435496583 03 04/01/03 0 73000148 O 03/01/33 0 8517255 H81/G02 F 111,000.00 ZZ 360 111,000.00 1 6.000 665.50 83 5.750 665.50 WAUKESHA WI 53186 2 02/26/03 04 0435515226 05 04/01/03 12 1 WH18159 O 03/01/33 0 8517417 U05/G02 F 224,000.00 TX 360 224,000.00 1 6.375 1,397.47 80 6.125 1,397.47 LEANDER TX 78641 5 02/26/03 00 0435498274 05 04/01/03 0 3317630 O 03/01/33 0 8517419 U05/G02 F 93,200.00 TX 360 93,200.00 1 6.750 604.49 80 6.500 604.49 ARLINGTON TX 76010 5 02/24/03 00 0435496492 05 04/01/03 0 3309858 O 03/01/33 0 8517429 U05/G02 F 142,800.00 TX 360 142,800.00 1 6.625 914.36 80 6.375 914.36 RICHLAND HILLS TX 76118 5 02/20/03 00 0435499686 05 04/01/03 0 3314903 O 03/01/33 0 8517531 E47/G02 F 100,000.00 ZZ 360 100,000.00 1 6.875 656.93 72 6.625 656.93 SAINT PETERSBUR FL 33704 5 02/27/03 00 0435505110 05 04/01/03 0 7361013360 N 03/01/33 0 8517627 L03/G02 F 176,772.00 ZZ 360 176,772.00 1 6.125 1,074.09 76 5.875 1,074.09 CAVE CREEK AZ 85331 5 02/26/03 00 0435510086 03 04/01/03 0 40008931 O 03/01/33 0 1 8519421 W35/G02 F 296,000.00 ZZ 300 296,000.00 1 5.875 1,884.58 80 5.625 1,884.58 TAMPA FL 33617 5 02/27/03 00 0435503040 05 04/01/03 0 17688 O 03/01/28 0 8519705 144/144 F 650,000.00 ZZ 360 649,343.28 1 6.625 4,162.02 60 6.375 4,162.02 CHAPPAQUA NY 10514 1 01/28/03 00 1 05 03/01/03 0 1 O 02/01/33 0 8519719 588/G02 F 332,500.00 ZZ 360 332,500.00 1 6.875 2,184.29 95 6.625 2,184.29 TOWN OF HAVERST NY 10923 1 02/28/03 10 0435494638 05 04/01/03 30 1085367 O 03/01/33 0 8519941 Q73/G02 F 69,300.00 ZZ 360 69,300.00 1 6.500 438.02 90 6.250 438.02 OCEAN SPRINGS MS 39564 5 02/27/03 10 0435513874 05 04/01/03 25 3035975 O 03/01/33 0 8520125 E22/G02 F 450,000.00 ZZ 360 450,000.00 1 6.375 2,807.41 52 6.125 2,807.41 L.A (SHERMAN OA CA 91423 5 02/18/03 00 0415898956 05 04/01/03 0 0415898956 O 03/01/33 0 8520217 E22/G02 F 172,000.00 ZZ 360 172,000.00 1 5.875 1,017.44 80 5.625 1,017.44 1 SPOKANE WA 99218 5 02/12/03 00 0416090645 05 04/01/03 0 0416090645 O 03/01/33 0 8520249 E22/G02 F 171,100.00 ZZ 360 171,100.00 1 5.875 1,012.12 75 5.625 1,012.12 CALDWELL ID 83607 2 02/27/03 00 0416114676 05 04/01/03 0 0416114676 O 03/01/33 0 8520391 E22/G02 F 212,000.00 ZZ 360 212,000.00 1 6.125 1,288.13 80 5.875 1,288.13 RIVERSIDE CA 92503 5 02/24/03 00 0416196426 05 04/01/03 0 0416196426 O 03/01/33 0 8520761 E22/G02 F 264,000.00 ZZ 360 264,000.00 1 6.375 1,647.02 80 6.125 1,647.02 MONUMENT CO 80132 5 02/24/03 00 0416186567 05 04/01/03 0 0416186567 O 03/01/33 0 8520987 P44/G02 F 163,400.00 ZZ 360 163,400.00 4 6.625 1,046.27 95 6.375 1,046.27 FITCHBURG MA 01420 1 02/28/03 10 0435497144 05 04/01/03 30 1 O 03/01/33 0 8521045 T29/G02 F 159,500.00 ZZ 360 159,500.00 1 6.125 969.14 80 5.875 969.14 BOZEMAN MT 59715 2 02/24/03 00 0435495064 05 04/01/03 0 1531626 O 03/01/33 0 1 8521187 168/168 F 537,300.00 ZZ 360 537,300.00 1 7.000 3,574.67 70 6.750 3,574.67 CHARLESTOWN MA 02129 5 02/24/03 00 0319608751 05 04/01/03 0 0319608751 O 03/01/33 0 8521199 253/253 F 52,825.00 ZZ 360 52,825.00 1 6.000 316.72 49 5.750 316.72 CLEBURNE TX 76033 2 03/03/03 00 458618 05 04/01/03 0 458618 O 03/01/33 0 8521837 168/168 F 476,000.00 ZZ 360 476,000.00 1 7.125 3,206.90 80 6.875 3,206.90 MONTEREY PARK CA 91754 1 02/18/03 00 0319433714 05 04/01/03 0 0319433714 O 03/01/33 0 8522013 964/G02 F 148,500.00 ZZ 360 148,500.00 1 6.375 926.45 90 6.125 926.45 PORTERVILLE CA 93257 1 02/14/03 11 0435500525 05 04/01/03 25 313952 O 03/01/33 0 8522015 964/G02 F 314,000.00 ZZ 360 314,000.00 1 6.250 1,933.35 77 6.000 1,933.35 SAN LUIS OBISPO CA 93405 2 02/19/03 00 0435504386 05 04/01/03 0 328066 O 03/01/33 0 8522027 964/G02 F 243,750.00 ZZ 360 243,750.00 1 1 6.000 1,461.40 75 5.750 1,461.40 LOS BANOS CA 93635 1 02/19/03 00 0435504865 05 04/01/03 0 348718 O 03/01/33 0 8522035 964/G02 F 162,000.00 ZZ 360 162,000.00 1 6.125 984.33 90 5.875 984.33 REEDLEY CA 93654 1 02/24/03 11 0435494950 05 04/01/03 25 342239 O 03/01/33 0 8522037 964/G02 F 301,000.00 ZZ 360 301,000.00 1 6.125 1,828.91 69 5.875 1,828.91 SAN MARCOS CA 92069 5 02/05/03 00 0435517404 05 04/01/03 0 344162 O 03/01/33 0 8522039 964/G02 F 213,000.00 ZZ 360 213,000.00 1 6.250 1,311.48 63 6.000 1,311.48 CENTENNIAL CO 80112 2 02/19/03 00 0435493713 05 04/01/03 0 346045 O 03/01/33 0 8522041 964/G02 F 83,920.00 ZZ 360 83,920.00 1 6.375 523.55 80 6.125 523.55 BRYAN TX 77802 1 02/21/03 00 0435491022 05 04/01/03 0 349024 N 03/01/33 0 8522043 964/G02 F 108,000.00 ZZ 360 108,000.00 1 6.250 664.97 80 6.000 664.97 BAYFIELD CO 81122 5 02/20/03 00 0435493598 05 04/01/03 0 1 349053 O 03/01/33 0 8523159 964/G02 F 88,300.00 ZZ 360 88,300.00 1 5.875 522.33 64 5.625 522.33 BEND OR 97701 5 02/18/03 00 0435500574 05 04/01/03 0 340484 O 03/01/33 0 8523165 964/G02 F 105,000.00 ZZ 360 105,000.00 1 5.875 621.12 67 5.625 621.12 TEMPE AZ 85282 1 02/20/03 00 0435496476 05 04/01/03 0 349881 O 03/01/33 0 8523167 964/G02 F 297,000.00 ZZ 360 297,000.00 1 6.000 1,780.66 39 5.750 1,780.66 SAN RAFAEL CA 94903 2 02/03/03 00 0435496732 05 04/01/03 0 318839 O 03/01/33 0 8523171 964/G02 F 103,500.00 ZZ 360 103,500.00 1 6.000 620.53 48 5.750 620.53 LONGMONT CO 80501 5 02/14/03 00 0435499918 01 04/01/03 0 324003 O 03/01/33 0 8523173 964/G02 F 307,200.00 ZZ 360 307,200.00 1 6.000 1,841.82 58 5.750 1,841.82 SCOTTSDALE AZ 85255 2 02/11/03 00 0435516356 03 04/01/03 0 336686 O 03/01/33 0 1 8523177 964/G02 F 79,500.00 ZZ 360 79,500.00 1 6.000 476.64 39 5.750 476.64 GOLD CANYON AZ 85218 2 02/14/03 00 0435495965 03 04/01/03 0 337190 O 03/01/33 0 8523179 964/G02 F 200,000.00 ZZ 360 200,000.00 1 6.000 1,199.10 69 5.750 1,199.10 LAKESIDE AZ 85929 2 02/20/03 00 0435499926 05 04/01/03 0 354898 O 03/01/33 0 8523181 964/G02 F 153,700.00 ZZ 360 153,700.00 1 6.000 921.51 75 5.750 921.51 PORTLAND OR 97219 5 02/14/03 00 0435495577 05 04/01/03 0 356083 O 03/01/33 0 8523183 964/G02 F 213,800.00 ZZ 360 213,800.00 1 6.125 1,299.07 36 5.875 1,299.07 OAKLAND CA 94611 5 01/28/03 00 0435490719 05 04/01/03 0 319767 O 03/01/33 0 8523187 964/G02 F 127,000.00 ZZ 360 127,000.00 1 6.125 771.67 60 5.875 771.67 ROUGH AND READY CA 95975 5 02/05/03 00 0435495932 05 04/01/03 0 326638 O 03/01/33 0 8523189 964/G02 F 138,900.00 ZZ 360 138,900.00 1 6.125 843.97 38 5.875 843.97 1 TUCSON AZ 85718 2 02/04/03 00 0435500673 03 04/01/03 0 330366 O 03/01/33 0 8523191 964/G02 F 241,500.00 ZZ 360 241,500.00 1 6.125 1,467.38 70 5.875 1,467.38 ELK GROVE CA 95758 5 02/17/03 00 0435517040 05 04/01/03 0 339321 O 03/01/33 0 8523195 964/G02 F 252,000.00 ZZ 360 252,000.00 1 6.250 1,551.61 69 6.000 1,551.61 LAKE FOREST CA 92630 5 02/21/03 00 0435497888 03 04/01/03 0 342368 O 03/01/33 0 8523197 964/G02 F 118,000.00 ZZ 360 118,000.00 1 6.250 726.55 79 6.000 726.55 GILBERT AZ 85297 2 02/18/03 00 0435517123 03 04/01/03 0 342701 O 03/01/33 0 8523199 964/G02 F 246,700.00 ZZ 360 246,700.00 1 6.250 1,518.97 70 6.000 1,518.97 SANTA MARIA CA 93455 5 02/05/03 00 0435491097 05 04/01/03 0 345084 O 03/01/33 0 8523203 964/G02 F 244,875.00 ZZ 360 244,875.00 1 6.250 1,507.74 75 6.000 1,507.74 ROSEVILLE CA 95661 1 02/18/03 00 0435500806 05 04/01/03 0 353347 O 03/01/33 0 1 8523205 964/G02 F 230,200.00 ZZ 360 230,200.00 1 6.375 1,436.15 53 6.125 1,436.15 EL DORADO HILLS CA 95762 2 02/13/03 00 0435497920 03 04/01/03 0 338472 O 03/01/33 0 8523233 964/G02 F 321,250.00 ZZ 360 321,250.00 2 6.250 1,977.99 56 6.000 1,977.99 CHICAGO IL 60647 5 02/21/03 00 0435517198 05 04/01/03 0 343450 O 03/01/33 0 8523239 964/G02 F 320,000.00 ZZ 360 320,000.00 1 6.125 1,944.35 80 5.875 1,944.35 ELK GROVE CA 95758 2 02/14/03 00 0435522016 03 04/01/03 0 328961 O 03/01/33 0 8523241 964/G02 F 111,000.00 ZZ 360 111,000.00 1 6.125 674.45 64 5.875 674.45 PHOENIX AZ 85048 2 02/11/03 00 0435500772 03 04/01/03 0 337646 N 03/01/33 0 8523243 964/G02 F 238,000.00 ZZ 360 238,000.00 1 6.250 1,465.41 80 6.000 1,465.41 LODI CA 95240 5 02/12/03 00 0435496724 05 04/01/03 0 312865 O 03/01/33 0 8523245 964/G02 F 114,000.00 ZZ 360 114,000.00 1 1 6.250 701.92 79 6.000 701.92 BEND OR 97701 5 02/13/03 00 0435496138 05 04/01/03 0 323159 O 03/01/33 0 8523247 964/G02 F 128,240.00 ZZ 360 128,240.00 2 6.250 789.60 80 6.000 789.60 PRESCOTT AZ 86303 1 02/19/03 00 0435496385 05 04/01/03 0 324486 O 03/01/33 0 8523251 964/G02 F 136,500.00 ZZ 360 136,500.00 1 6.250 840.45 87 6.000 840.45 MESA AZ 85210 2 02/18/03 01 0435499058 05 04/01/03 25 343410 O 03/01/33 0 8523253 964/G02 F 142,000.00 ZZ 360 142,000.00 1 6.250 874.32 79 6.000 874.32 PORTLAND OR 97229 5 02/10/03 00 0435500830 05 04/01/03 0 346331 O 03/01/33 0 8523255 964/G02 F 450,000.00 ZZ 360 450,000.00 1 6.375 2,807.42 70 6.125 2,807.42 SAN CLEMENTE CA 92673 5 02/09/03 00 0435522040 03 04/01/03 0 325474 O 03/01/33 0 8523257 964/G02 F 219,600.00 ZZ 360 219,600.00 1 6.375 1,370.02 77 6.125 1,370.02 GILBERT AZ 85234 2 02/12/03 00 0435500491 03 04/01/03 0 1 328656 O 03/01/33 0 8523259 964/G02 F 170,850.00 ZZ 360 170,850.00 1 6.375 1,065.88 85 6.125 1,065.88 SPOKANE WA 99223 5 02/13/03 12 0435500814 05 04/01/03 12 333308 O 03/01/33 0 8523261 964/G02 F 150,000.00 ZZ 360 150,000.00 1 6.375 935.81 60 6.125 935.81 PLACERVILLE CA 95667 1 02/19/03 00 0435491410 05 04/01/03 0 344902 O 03/01/33 0 8523263 964/G02 F 137,450.00 ZZ 360 137,450.00 1 6.375 857.51 80 6.125 857.51 LAS VEGAS NV 89148 1 02/19/03 00 0435500624 03 04/01/03 0 355608 O 03/01/33 0 8523265 964/G02 F 493,550.00 ZZ 360 493,550.00 1 6.500 3,119.57 74 6.250 3,119.57 PRESCOTT AZ 86305 5 02/11/03 01 0435498696 03 04/01/03 12 315878 O 03/01/33 0 8523269 964/G02 F 61,500.00 ZZ 360 61,500.00 2 6.500 388.72 75 6.250 388.72 STEGER IL 60475 1 02/19/03 00 0435500848 05 04/01/03 0 346160 N 03/01/33 0 1 8523271 964/G02 F 49,050.00 ZZ 360 49,050.00 1 6.500 310.03 90 6.250 310.03 RUPERT ID 83350 1 02/19/03 11 0435500798 05 04/01/03 25 351928 O 03/01/33 0 8523273 964/G02 F 160,000.00 ZZ 360 160,000.00 2 6.625 1,024.50 70 6.375 1,024.50 LAS VEGAS NV 89119 2 02/13/03 00 0435496260 05 04/01/03 0 319028 N 03/01/33 0 8523275 964/G02 F 264,000.00 ZZ 360 264,000.00 1 6.750 1,712.30 80 6.500 1,712.30 ROUGH AND READY CA 95975 5 02/18/03 00 0435493812 05 04/01/03 0 343503 O 03/01/33 0 8523301 964/G02 F 131,250.00 ZZ 360 131,250.00 1 5.875 776.39 75 5.625 776.39 PHOENIX AZ 85023 5 02/18/03 00 0435498324 03 04/01/03 0 290319 O 03/01/33 0 8523305 964/G02 F 135,000.00 ZZ 360 135,000.00 1 5.875 798.58 73 5.625 798.58 PHOENIX AZ 85007 5 02/11/03 00 0435499462 05 04/01/03 0 307165 O 03/01/33 0 8523307 964/G02 F 188,000.00 ZZ 360 188,000.00 1 5.875 1,112.09 35 5.625 1,112.09 1 TAOS NM 87571 2 02/13/03 00 0435497110 05 04/01/03 0 312728 O 03/01/33 0 8523469 T44/G02 F 41,250.00 ZZ 360 41,250.00 1 6.500 260.73 75 6.250 260.73 AKRON OH 44310 5 03/03/03 00 0435505243 05 04/01/03 0 1065684 N 03/01/33 0 8523559 P59/G02 F 160,000.00 ZZ 360 160,000.00 1 6.500 1,011.31 40 6.250 1,011.31 SAN LUIS OBISPO CA 93401 5 02/06/03 00 0435506357 05 04/01/03 0 AT005336 N 03/01/33 0 8523741 964/G02 F 100,000.00 ZZ 360 100,000.00 1 6.000 599.55 16 5.750 599.55 DALY CITY CA 94015 2 02/04/03 00 0435500343 05 04/01/03 0 324927 O 03/01/33 0 8523743 964/G02 F 250,000.00 ZZ 360 250,000.00 1 6.000 1,498.88 56 5.750 1,498.88 SAN LUIS OBISPO CA 93401 5 02/05/03 00 0435504808 03 04/01/03 0 338004 O 03/01/33 0 8523745 964/G02 F 297,500.00 ZZ 360 297,500.00 1 6.000 1,783.66 70 5.750 1,783.66 SPOKANE WA 99208 2 02/14/03 00 0435492822 05 04/01/03 0 341785 O 03/01/33 0 1 8523747 964/G02 F 243,750.00 ZZ 360 243,750.00 1 6.125 1,481.05 75 5.875 1,481.05 SANTA MARGARITA CA 93453 5 02/11/03 00 0435491253 05 04/01/03 0 334773 O 03/01/33 0 8523749 964/G02 F 250,000.00 ZZ 360 250,000.00 1 6.125 1,519.03 57 5.875 1,519.03 NIPOMO CA 93444 5 02/14/03 00 0435500004 05 04/01/03 0 339262 O 03/01/33 0 8523753 964/G02 F 228,500.00 ZZ 360 228,500.00 1 6.125 1,388.39 79 5.875 1,388.39 SANTA ANA CA 92704 2 02/21/03 00 0435501721 05 04/01/03 0 358888 O 03/01/33 0 8523755 964/G02 F 151,500.00 ZZ 360 151,500.00 1 6.250 932.81 75 6.000 932.81 CLEARLAKE OAKS CA 95423 5 02/04/03 00 0435493572 05 04/01/03 0 251727 O 03/01/33 0 8523757 964/G02 F 252,000.00 ZZ 360 252,000.00 1 6.250 1,551.61 90 6.000 1,551.61 PUEBLO CO 81004 2 02/18/03 04 0435500285 05 04/01/03 25 304403 O 03/01/33 0 8523759 964/G02 F 278,000.00 ZZ 360 278,000.00 1 1 6.375 1,734.36 70 6.125 1,734.36 PETALUMA CA 94954 1 02/15/03 00 0435493952 05 04/01/03 0 347196 O 03/01/33 0 8523769 964/G02 F 96,000.00 ZZ 360 96,000.00 1 6.250 591.09 80 6.000 591.09 EUGENE OR 97402 2 02/20/03 00 0435497698 05 04/01/03 0 340463 O 03/01/33 0 8523771 964/G02 F 604,875.00 ZZ 360 604,875.00 1 6.250 3,724.32 75 6.000 3,724.32 OCEANO CA 93445 1 02/18/03 00 0435496674 05 04/01/03 0 344701 O 03/01/33 0 8523773 964/G02 F 380,000.00 ZZ 360 380,000.00 1 6.250 2,339.73 80 6.000 2,339.73 SUGAR GROVE IL 60554 5 02/21/03 00 0435507512 05 04/01/03 0 350270 O 03/01/33 0 8523775 964/G02 F 498,750.00 ZZ 360 498,750.00 1 6.500 3,152.44 75 6.250 3,152.44 PARK CITY UT 84060 5 02/20/03 00 0435497466 05 04/01/03 0 346165 O 03/01/33 0 8523777 964/G02 F 41,230.00 ZZ 360 41,230.00 1 6.625 264.00 70 6.375 264.00 SPRING TX 77381 1 02/24/03 00 0435493028 01 04/01/03 0 1 352552 N 03/01/33 0 8523779 964/G02 F 150,200.00 ZZ 360 150,200.00 1 6.875 986.71 53 6.625 986.71 LOMPOC CA 93436 5 02/04/03 00 0435491154 05 04/01/03 0 329580 N 03/01/33 0 8523783 964/G02 F 229,000.00 ZZ 360 229,000.00 1 6.125 1,391.43 78 5.875 1,391.43 SCOTTSDALE AZ 85258 2 02/13/03 00 0435496344 03 04/01/03 0 341389 O 03/01/33 0 8523785 964/G02 F 112,000.00 ZZ 360 112,000.00 1 6.375 698.73 53 6.125 698.73 HIGHLANDS RANCH CO 80129 2 02/25/03 00 0435507785 03 04/01/03 0 347836 N 03/01/33 0 8523793 964/G02 F 322,700.00 ZZ 360 322,700.00 1 6.250 1,986.92 66 6.000 1,986.92 STATELINE NV 89449 5 02/16/03 00 0435496427 05 04/01/03 0 347257 O 03/01/33 0 8523897 W68/G02 F 320,000.00 ZZ 360 320,000.00 1 6.375 1,996.38 78 6.125 1,996.38 MONTROSE CA 91020 5 02/04/03 00 0435512603 05 04/01/03 0 35384 O 03/01/33 0 1 8524179 950/G02 F 185,600.00 ZZ 360 185,600.00 1 6.500 1,173.12 80 6.250 1,173.12 SEATTLE WA 98146 1 02/26/03 00 0435501960 05 04/01/03 0 N631053 N 03/01/33 0 8524309 P59/G02 F 110,000.00 ZZ 360 110,000.00 1 6.750 713.46 79 6.500 713.46 SYLMAR CA 91342 5 02/04/03 00 0435495734 01 04/01/03 0 AT005398 O 03/01/33 0 8524917 U05/G02 F 130,150.00 ZZ 360 130,150.00 1 6.500 822.64 95 6.250 822.64 PEORIA AZ 85345 5 02/21/03 10 0435504980 05 04/01/03 30 3313373 O 03/01/33 0 8531571 T44/G02 F 146,500.00 ZZ 360 146,500.00 1 6.000 878.34 100 5.750 878.34 MEMPHIS TN 38125 2 02/20/03 04 0435514583 05 04/01/03 35 1067385 O 03/01/33 0 TOTAL NUMBER OF LOANS : 2,335 TOTAL ORIGINAL BALANCE : 452,448,573.36 TOTAL PRINCIPAL BALANCE : 451,785,853.70 TOTAL ORIGINAL P+I : 2,862,356.06 TOTAL CURRENT P+I : 2,862,356.05 *************************** * END OF REPORT * ***************************
EXHIBIT TWO SCHEDULE OF DISCOUNT FRACTIONS Schedule of Discount Fractions Loan Number Current Balance Net Mortgage Rate Discount Fraction PO Balance 8147095 $179,311.49 5.970% 0.5000% $896.56 8184259 $135,400.11 5.970% 0.5000% $677.00 8192177 $209,194.84 5.970% 0.5000% $1,045.97 8216939 $66,678.66 5.970% 0.5000% $333.39 8257701 $95,313.06 5.720% 4.6667% $4,447.94 8264573 $185,020.28 5.970% 0.5000% $925.10 8279239 $257,935.98 5.595% 6.7500% $17,410.68 8284239 $198,206.69 5.970% 0.5000% $991.03 8284253 $82,801.70 5.970% 0.5000% $414.01 8302339 $45,583.80 5.970% 0.5000% $227.92 8321175 $223,552.91 5.720% 4.6667% $10,432.47 8321679 $61,882.05 5.970% 0.5000% $309.41 8342789 $234,552.88 5.970% 0.5000% $1,172.76 8342817 $404,606.37 5.845% 2.5833% $10,452.33 8344095 $123,618.85 5.595% 6.7500% $8,344.27 8346659 $369,261.13 5.720% 4.6667% $17,232.19 8348616 $359,650.10 5.845% 2.5833% $9,290.96 8349200 $283,730.53 5.970% 0.5000% $1,418.65 8350294 $383,500.00 5.970% 0.5000% $1,917.50 8350864 $120,000.00 5.970% 0.5000% $600.00 8350896 $243,768.48 5.970% 0.5000% $1,218.84 8352404 $464,000.00 5.970% 0.5000% $2,320.00 8352488 $190,000.00 5.845% 2.5833% $4,908.33 8352528 $350,000.00 5.970% 0.5000% $1,750.00 8352544 $480,000.00 5.845% 2.5833% $12,400.00 8353228 $175,200.00 5.845% 2.5833% $4,526.00 8353510 $312,800.00 5.845% 2.5833% $8,080.67 8353566 $156,000.00 5.845% 2.5833% $4,030.00 8353704 $375,000.00 5.845% 2.5833% $9,687.50 8353774 $420,000.00 5.845% 2.5833% $10,850.00 8353808 $308,000.00 5.720% 4.6667% $14,373.33 8353816 $314,300.00 5.970% 0.5000% $1,571.50 8355105 $329,679.27 5.845% 2.5833% $8,516.71 8356157 $241,747.33 5.470% 8.8333% $21,354.35 8359553 $318,128.80 5.845% 2.5833% $8,218.33 8366613 $254,746.15 5.720% 4.6667% $11,888.15 8372771 $145,679.30 5.595% 6.7500% $9,833.35 8373039 $371,647.03 5.970% 0.5000% $1,858.24 8375883 $322,386.35 5.845% 2.5833% $8,328.31 8376007 $165,660.69 5.595% 6.7500% $11,182.10 8376057 $249,467.72 5.595% 6.7500% $16,839.07 8376071 $243,136.52 5.970% 0.5000% $1,215.68 8376221 $124,650.50 5.720% 4.6667% $5,817.02 8376243 $149,693.38 5.595% 6.7500% $10,104.30 8376253 $144,703.61 5.595% 6.7500% $9,767.49 8376297 $186,427.15 5.720% 4.6667% $8,699.93 8376425 $118,274.53 5.970% 0.5000% $591.37 8376501 $124,744.50 5.595% 6.7500% $8,420.25 8377005 $114,383.26 5.595% 6.7500% $7,720.87 8377471 $489,535.07 5.970% 0.5000% $2,447.68 8380699 $300,414.68 5.970% 0.5000% $1,502.07 8381037 $368,941.27 5.970% 0.5000% $1,844.71 8381129 $200,546.24 5.720% 4.6667% $9,358.82 Monday, March 24, 2003 Page 1 of 13 8381245 $270,825.97 5.720% 4.6667% $12,638.55 8381267 $169,250.09 5.970% 0.5000% $846.25 8381293 $460,149.70 5.720% 4.6667% $21,473.65 8381311 $127,386.38 5.970% 0.5000% $636.93 8381467 $298,702.34 5.720% 4.6667% $13,939.44 8382849 $283,697.60 5.845% 2.5833% $7,328.85 8383149 $160,843.52 5.845% 2.5833% $4,155.12 8384057 $150,197.81 5.845% 2.5833% $3,880.11 8384323 $422,129.08 5.970% 0.5000% $2,110.65 8385075 $523,952.11 5.720% 4.6667% $24,451.10 8385223 $437,494.58 5.970% 0.5000% $2,187.47 8386307 $487,525.69 5.845% 2.5833% $12,594.41 8388591 $134,703.47 5.595% 6.7500% $9,092.48 8389191 $281,875.77 5.845% 2.5833% $7,281.79 8392953 $479,533.47 5.845% 2.5833% $12,387.95 8393811 $95,902.12 5.595% 6.7500% $6,473.39 8395381 $180,324.56 5.845% 2.5833% $4,658.38 8395411 $214,775.53 5.470% 8.8333% $18,971.84 8396651 $344,664.68 5.845% 2.5833% $8,903.84 8397031 $432,579.15 5.845% 2.5833% $11,174.96 8397125 $86,413.89 5.720% 4.6667% $4,032.65 8398095 $215,779.78 5.595% 6.7500% $14,565.14 8398269 $127,073.37 5.720% 4.6667% $5,930.09 8398363 $443,558.00 5.720% 4.6667% $20,699.37 8398659 $69,931.96 5.845% 2.5833% $1,806.58 8398821 $399,561.27 5.845% 2.5833% $10,322.00 8398901 $430,091.53 5.970% 0.5000% $2,150.46 8399051 $369,648.93 5.970% 0.5000% $1,848.24 8400449 $187,808.33 5.595% 6.7500% $12,677.06 8400545 $159,033.78 5.470% 8.8333% $14,047.98 8400583 $115,490.31 5.970% 0.5000% $577.45 8400615 $198,797.11 5.595% 6.7500% $13,418.80 8400687 $173,830.89 5.845% 2.5833% $4,490.63 8401709 $397,612.80 5.840% 2.6667% $10,603.01 8403571 $114,288.81 5.845% 2.5833% $2,952.46 8403823 $439,561.98 5.720% 4.6667% $20,512.89 8404001 $584,046.88 5.970% 0.5000% $2,920.23 8404013 $169,838.70 5.970% 0.5000% $849.19 8404027 $159,844.49 5.845% 2.5833% $4,129.32 8404051 $139,857.27 5.595% 6.7500% $9,440.37 8404181 $454,568.28 5.970% 0.5000% $2,272.84 8406457 $87,716.69 5.970% 0.5000% $438.58 8407251 $379,639.44 5.970% 0.5000% $1,898.20 8407273 $322,393.81 5.970% 0.5000% $1,611.97 8407285 $258,754.25 5.970% 0.5000% $1,293.77 8407301 $300,386.05 5.470% 8.8333% $26,534.10 8407309 $96,907.96 5.970% 0.5000% $484.54 8407343 $174,580.15 5.845% 2.5833% $4,509.99 8407401 $262,232.37 5.595% 6.7500% $17,700.69 8407421 $279,221.76 5.720% 4.6667% $13,030.35 8407433 $73,729.97 5.970% 0.5000% $368.65 8407453 $74,928.83 5.970% 0.5000% $374.64 8407473 $189,815.33 5.845% 2.5833% $4,903.56 8407485 $322,393.81 5.970% 0.5000% $1,611.97 8407517 $134,362.87 5.595% 6.7500% $9,069.49 8407529 $288,032.98 5.720% 4.6667% $13,441.54 8407531 $85,163.08 5.595% 6.7500% $5,748.51 Monday, March 24, 2003 Page 2 of 13 8407539 $177,427.38 5.845% 2.5833% $4,583.54 8407541 $187,317.76 5.845% 2.5833% $4,839.04 8407543 $199,805.61 5.845% 2.5833% $5,161.64 8407569 $254,427.71 5.345% 10.9167% $27,775.03 8407617 $117,482.93 5.720% 4.6667% $5,482.54 8407625 $145,854.66 5.720% 4.6667% $6,806.55 8407627 $255,738.99 5.595% 6.7500% $17,262.38 8407641 $244,761.87 5.845% 2.5833% $6,323.02 8407643 $159,848.18 5.970% 0.5000% $799.24 8407663 $322,393.81 5.970% 0.5000% $1,611.97 8407667 $64,938.32 5.970% 0.5000% $324.69 8407677 $236,003.34 5.470% 8.8333% $20,846.96 8407881 $164,839.63 5.845% 2.5833% $4,258.36 8407905 $94,310.43 5.970% 0.5000% $471.55 8407933 $194,401.60 5.595% 6.7500% $13,122.11 8408041 $359,142.12 5.720% 4.6667% $16,759.97 8408305 $208,786.92 5.595% 6.7500% $14,093.12 8408555 $374,644.18 5.970% 0.5000% $1,873.22 8408623 $177,922.70 5.720% 4.6667% $8,303.06 8408633 $156,851.03 5.970% 0.5000% $784.26 8408641 $439,206.33 5.845% 2.5833% $11,346.16 8408735 $128,275.21 5.845% 2.5833% $3,313.78 8408763 $135,814.66 5.720% 4.6667% $6,338.02 8409251 $359,658.42 5.970% 0.5000% $1,798.29 8409485 $149,151.37 5.720% 4.6667% $6,960.40 8409493 $591,424.61 5.845% 2.5833% $15,278.47 8411057 $180,120.51 5.720% 4.6667% $8,405.62 8411797 $335,657.43 5.595% 6.7500% $22,656.88 8413051 $498,515.00 5.845% 2.5833% $12,878.30 8413125 $88,713.69 5.845% 2.5833% $2,291.77 8413179 $200,145.92 5.970% 0.5000% $1,000.73 8413233 $169,435.16 5.845% 2.5833% $4,377.08 8413255 $268,738.55 5.845% 2.5833% $6,942.41 8413307 $152,000.00 5.970% 0.5000% $760.00 8413325 $93,906.42 5.720% 4.6667% $4,382.30 8413383 $145,951.04 5.595% 6.7500% $9,851.70 8413431 $162,245.91 5.970% 0.5000% $811.23 8414217 $127,100.00 5.470% 8.8333% $11,227.17 8414289 $471,552.14 5.970% 0.5000% $2,357.76 8415133 $395,624.26 5.970% 0.5000% $1,978.12 8415355 $282,211.98 5.595% 6.7500% $19,049.31 8415443 $127,869.50 5.595% 6.7500% $8,631.19 8415837 $552,075.67 5.970% 0.5000% $2,760.38 8416143 $90,000.00 5.970% 0.5000% $450.00 8416149 $179,829.21 5.970% 0.5000% $899.15 8416215 $129,622.89 5.845% 2.5833% $3,348.59 8416271 $63,902.02 5.970% 0.5000% $319.51 8416389 $54,490.76 5.970% 0.5000% $272.45 8416397 $167,507.63 5.845% 2.5833% $4,327.28 8416423 $131,736.52 5.720% 4.6667% $6,147.70 8416585 $39,923.89 5.970% 0.5000% $199.62 8416615 $114,576.27 5.845% 2.5833% $2,959.89 8416629 $140,656.44 5.595% 6.7500% $9,494.31 8416735 $101,233.65 5.720% 4.6667% $4,724.24 8416831 $183,816.83 5.720% 4.6667% $8,578.12 8416841 $199,810.23 5.970% 0.5000% $999.05 8416847 $205,360.71 5.970% 0.5000% $1,026.80 Monday, March 24, 2003 Page 3 of 13 8416865 $174,650.69 5.720% 4.6667% $8,150.37 8416895 $141,868.19 5.970% 0.5000% $709.34 8416991 $69,145.92 5.970% 0.5000% $345.73 8417039 $119,766.12 5.845% 2.5833% $3,093.96 8417059 $82,750.87 5.720% 4.6667% $3,861.71 8417095 $231,791.32 5.970% 0.5000% $1,158.96 8417107 $123,253.49 5.720% 4.6667% $5,751.83 8417199 $132,746.94 5.970% 0.5000% $663.73 8417271 $157,193.05 5.845% 2.5833% $4,060.82 8417289 $209,499.92 5.970% 0.5000% $1,047.50 8417293 $359,298.41 5.845% 2.5833% $9,281.88 8417319 $82,484.68 5.720% 4.6667% $3,849.29 8417555 $234,000.00 5.470% 8.8333% $20,670.00 8417589 $186,145.14 5.970% 0.5000% $930.73 8417633 $85,536.94 5.970% 0.5000% $427.68 8417635 $177,661.32 5.970% 0.5000% $888.31 8417681 $175,415.60 5.970% 0.5000% $877.08 8417725 $112,178.07 5.970% 0.5000% $560.89 8417747 $184,815.83 5.720% 4.6667% $8,624.74 8417773 $124,515.24 5.970% 0.5000% $622.58 8417779 $59,885.84 5.970% 0.5000% $299.43 8417907 $54,488.39 5.595% 6.7500% $3,677.97 8417915 $41,914.14 5.595% 6.7500% $2,829.20 8419647 $122,929.38 5.595% 6.7500% $8,297.73 8420175 $91,510.96 5.845% 2.5833% $2,364.03 8420217 $151,855.78 5.970% 0.5000% $759.28 8421541 $60,000.00 5.595% 6.7500% $4,050.00 8421555 $428,762.41 5.595% 6.7500% $28,941.46 8421575 $117,888.03 5.970% 0.5000% $589.44 8423011 $116,689.17 5.970% 0.5000% $583.45 8423171 $212,997.71 5.970% 0.5000% $1,064.99 8423317 $299,708.42 5.845% 2.5833% $7,742.47 8423413 $430,000.00 5.845% 2.5833% $11,108.33 8423435 $135,867.82 5.845% 2.5833% $3,509.92 8423439 $359,658.42 5.970% 0.5000% $1,798.29 8423457 $227,284.14 5.970% 0.5000% $1,136.42 8423469 $438,473.42 5.845% 2.5833% $11,327.23 8423643 $137,710.07 5.970% 0.5000% $688.55 8424035 $57,500.00 5.970% 0.5000% $287.50 8424217 $209,790.94 5.720% 4.6667% $9,790.24 8424439 $182,500.00 5.970% 0.5000% $912.50 8424997 $179,829.21 5.970% 0.5000% $899.15 8425933 $139,705.87 5.970% 0.5000% $698.53 8426053 $412,108.61 5.970% 0.5000% $2,060.54 8426775 $364,000.00 5.845% 2.5833% $9,403.33 8426891 $150,000.00 5.845% 2.5833% $3,875.00 8427053 $70,500.00 5.720% 4.6667% $3,290.00 8427089 $255,000.00 5.970% 0.5000% $1,275.00 8427187 $151,449.08 5.720% 4.6667% $7,067.62 8427267 $400,000.00 5.845% 2.5833% $10,333.33 8427639 $549,465.43 5.845% 2.5833% $14,194.52 8430097 $159,844.49 5.845% 2.5833% $4,129.32 8430299 $140,000.00 5.845% 2.5833% $3,616.67 8430471 $123,750.00 5.970% 0.5000% $618.75 8430477 $205,000.00 5.845% 2.5833% $5,295.83 8430505 $140,666.40 5.970% 0.5000% $703.33 8431219 $206,000.00 5.595% 6.7500% $13,905.00 Monday, March 24, 2003 Page 4 of 13 8431337 $382,636.59 5.970% 0.5000% $1,913.18 8431343 $200,000.00 5.720% 4.6667% $9,333.33 8431527 $196,000.00 5.720% 4.6667% $9,146.67 8432145 $84,600.00 5.720% 4.6667% $3,948.00 8432503 $174,000.00 5.595% 6.7500% $11,745.00 8432511 $270,000.00 5.970% 0.5000% $1,350.00 8432517 $300,000.00 5.970% 0.5000% $1,500.00 8432621 $150,000.00 5.970% 0.5000% $750.00 8432703 $89,808.09 5.845% 2.5833% $2,320.04 8432765 $312,000.00 5.720% 4.6667% $14,560.00 8432783 $127,920.00 5.845% 2.5833% $3,304.60 8432815 $86,500.00 5.970% 0.5000% $432.50 8432867 $365,136.14 5.720% 4.6667% $17,039.69 8432905 $115,887.25 5.845% 2.5833% $2,993.75 8432927 $580,000.00 5.970% 0.5000% $2,900.00 8432977 $96,808.06 5.970% 0.5000% $484.04 8433345 $610,807.30 5.845% 2.5833% $15,779.19 8433383 $90,600.00 5.845% 2.5833% $2,340.50 8435155 $232,500.00 5.970% 0.5000% $1,162.50 8435271 $140,000.00 5.845% 2.5833% $3,616.67 8435463 $119,886.14 5.970% 0.5000% $599.43 8435697 $90,100.00 5.845% 2.5833% $2,327.58 8435775 $354,646.60 5.720% 4.6667% $16,550.17 8436381 $155,848.38 5.845% 2.5833% $4,026.08 8436411 $148,000.00 5.595% 6.7500% $9,990.00 8436455 $251,900.00 5.970% 0.5000% $1,259.50 8436461 $380,000.00 5.720% 4.6667% $17,733.33 8436531 $322,700.00 5.845% 2.5833% $8,336.42 8436553 $119,871.71 5.345% 10.9167% $13,086.00 8436623 $448,649.33 5.720% 4.6667% $20,936.97 8436901 $59,500.00 5.970% 0.5000% $297.50 8436913 $243,200.00 5.720% 4.6667% $11,349.33 8436941 $125,439.00 5.720% 4.6667% $5,853.82 8436951 $142,000.00 5.845% 2.5833% $3,668.33 8436963 $543,750.00 5.845% 2.5833% $14,046.88 8436973 $445,000.00 5.845% 2.5833% $11,495.83 8437001 $75,920.00 5.845% 2.5833% $1,961.27 8437081 $96,000.00 5.720% 4.6667% $4,480.00 8437083 $392,811.00 5.970% 0.5000% $1,964.06 8437099 $232,000.00 5.595% 6.7500% $15,660.00 8437149 $272,000.00 5.845% 2.5833% $7,026.67 8438571 $379,630.66 5.845% 2.5833% $9,807.13 8438581 $177,431.49 5.970% 0.5000% $887.16 8438631 $166,400.00 5.845% 2.5833% $4,298.67 8438693 $41,325.00 5.970% 0.5000% $206.63 8438969 $119,877.65 5.595% 6.7500% $8,091.74 8440461 $59,920.00 5.970% 0.5000% $299.60 8440505 $430,000.00 5.845% 2.5833% $11,108.33 8441251 $95,606.99 5.845% 2.5833% $2,469.85 8441429 $136,500.00 5.845% 2.5833% $3,526.25 8441451 $450,000.00 5.845% 2.5833% $11,625.00 8441453 $189,000.00 5.470% 8.8333% $16,695.00 8441503 $611,000.00 5.845% 2.5833% $15,784.17 8442701 $146,600.00 5.845% 2.5833% $3,787.17 8443345 $373,000.00 5.720% 4.6667% $17,406.67 8443349 $161,250.00 5.845% 2.5833% $4,165.63 8443361 $398,400.00 5.845% 2.5833% $10,292.00 Monday, March 24, 2003 Page 5 of 13 8443407 $500,000.00 5.970% 0.5000% $2,500.00 8443419 $80,000.00 5.970% 0.5000% $400.00 8443449 $356,000.00 5.970% 0.5000% $1,780.00 8443521 $234,000.00 5.720% 4.6667% $10,920.00 8443551 $181,000.00 5.595% 6.7500% $12,217.50 8443561 $119,500.00 5.720% 4.6667% $5,576.67 8443575 $388,000.00 5.970% 0.5000% $1,940.00 8443599 $120,000.00 5.970% 0.5000% $600.00 8443605 $208,000.00 5.845% 2.5833% $5,373.33 8444659 $136,200.00 5.970% 0.5000% $681.00 8445211 $307,000.00 5.845% 2.5833% $7,930.83 8445213 $170,000.00 5.845% 2.5833% $4,391.67 8445315 $75,000.00 5.720% 4.6667% $3,500.00 8445615 $175,000.00 5.720% 4.6667% $8,166.67 8447579 $214,691.13 5.845% 2.5833% $5,546.19 8447791 $299,000.00 5.720% 4.6667% $13,953.33 8449187 $234,000.00 5.970% 0.5000% $1,170.00 8449231 $81,500.00 5.970% 0.5000% $407.50 8449243 $99,650.70 5.720% 4.6667% $4,650.37 8449269 $265,330.00 5.720% 4.6667% $12,382.07 8449367 $86,350.52 5.970% 0.5000% $431.75 8449421 $126,374.07 5.720% 4.6667% $5,897.46 8450087 $123,000.00 5.595% 6.7500% $8,302.50 8450199 $265,000.00 5.970% 0.5000% $1,325.00 8450303 $376,000.00 5.970% 0.5000% $1,880.00 8450315 $408,212.30 5.970% 0.5000% $2,041.06 8450325 $336,000.00 5.970% 0.5000% $1,680.00 8450335 $390,000.00 5.970% 0.5000% $1,950.00 8450355 $359,632.96 5.595% 6.7500% $24,275.22 8450365 $355,600.00 5.970% 0.5000% $1,778.00 8450371 $255,500.00 5.970% 0.5000% $1,277.50 8450397 $607,908.58 5.845% 2.5833% $15,704.31 8451137 $147,200.00 5.970% 0.5000% $736.00 8451179 $375,000.00 5.845% 2.5833% $9,687.50 8451375 $139,863.93 5.845% 2.5833% $3,613.15 8451535 $150,000.00 5.970% 0.5000% $750.00 8451739 $583,600.00 5.970% 0.5000% $2,918.00 8452573 $62,400.00 5.720% 4.6667% $2,912.00 8452663 $359,200.00 5.845% 2.5833% $9,279.33 8452739 $97,100.00 5.845% 2.5833% $2,508.42 8452769 $39,500.00 5.970% 0.5000% $197.50 8452921 $179,200.00 5.970% 0.5000% $896.00 8452925 $607,500.00 5.845% 2.5833% $15,693.75 8452929 $397,613.17 5.845% 2.5833% $10,271.67 8452935 $412,500.00 5.845% 2.5833% $10,656.25 8452959 $217,500.00 5.720% 4.6667% $10,150.00 8453011 $192,000.00 5.970% 0.5000% $960.00 8453059 $205,000.00 5.970% 0.5000% $1,025.00 8453127 $151,200.00 5.845% 2.5833% $3,906.00 8453145 $256,000.00 5.970% 0.5000% $1,280.00 8453147 $155,500.00 5.845% 2.5833% $4,017.08 8454135 $343,665.65 5.845% 2.5833% $8,878.03 8454571 $260,000.00 5.970% 0.5000% $1,300.00 8454817 $151,855.78 5.970% 0.5000% $759.28 8454869 $500,000.00 5.970% 0.5000% $2,500.00 8455083 $399,500.00 5.970% 0.5000% $1,997.50 8456577 $443,000.00 5.770% 3.8333% $16,981.67 Monday, March 24, 2003 Page 6 of 13 8456603 $86,500.00 5.845% 2.5833% $2,234.58 8456819 $138,000.00 5.845% 2.5833% $3,565.00 8456823 $222,000.00 5.970% 0.5000% $1,110.00 8456847 $225,000.00 5.720% 4.6667% $10,500.00 8456859 $255,500.00 5.845% 2.5833% $6,600.42 8456905 $85,000.00 5.595% 6.7500% $5,737.50 8456915 $275,000.00 5.970% 0.5000% $1,375.00 8456927 $288,750.00 5.720% 4.6667% $13,475.00 8456939 $322,700.00 5.845% 2.5833% $8,336.42 8456971 $300,000.00 5.970% 0.5000% $1,500.00 8456973 $256,000.00 5.595% 6.7500% $17,280.00 8457005 $300,000.00 5.845% 2.5833% $7,750.00 8457009 $254,500.00 5.720% 4.6667% $11,876.67 8457011 $270,000.00 5.720% 4.6667% $12,600.00 8457065 $300,000.00 5.720% 4.6667% $14,000.00 8457071 $304,000.00 5.720% 4.6667% $14,186.67 8457361 $370,935.56 5.970% 0.5000% $1,854.68 8457377 $331,050.01 5.970% 0.5000% $1,655.25 8457379 $373,874.43 5.720% 4.6667% $17,447.47 8457443 $226,350.46 5.970% 0.5000% $1,131.75 8457459 $368,915.63 5.845% 2.5833% $9,530.32 8457483 $275,474.88 5.970% 0.5000% $1,377.37 8457535 $193,000.00 5.470% 8.8333% $17,048.33 8457663 $95,759.44 5.970% 0.5000% $478.80 8457667 $363,107.82 5.970% 0.5000% $1,815.54 8457693 $65,811.13 5.970% 0.5000% $329.06 8457717 $327,360.77 5.845% 2.5833% $8,456.82 8458247 $49,100.00 5.845% 2.5833% $1,268.42 8458251 $70,400.00 5.845% 2.5833% $1,818.67 8458787 $259,238.00 5.845% 2.5833% $6,696.98 8458821 $99,800.38 5.720% 4.6667% $4,657.35 8458887 $350,992.77 5.970% 0.5000% $1,754.96 8458971 $132,800.00 5.845% 2.5833% $3,430.67 8459095 $348,569.28 5.845% 2.5833% $9,004.71 8459177 $116,450.00 5.845% 2.5833% $3,008.29 8459213 $105,000.00 5.845% 2.5833% $2,712.50 8459295 $578,000.00 5.845% 2.5833% $14,931.67 8459309 $42,668.66 5.970% 0.5000% $213.34 8459349 $94,500.00 5.470% 8.8333% $8,347.50 8459375 $380,000.00 5.845% 2.5833% $9,816.67 8459377 $193,830.26 5.845% 2.5833% $5,007.28 8459425 $123,920.00 5.845% 2.5833% $3,201.27 8459445 $240,142.22 5.970% 0.5000% $1,200.71 8459487 $377,915.54 5.970% 0.5000% $1,889.58 8459507 $71,634.33 5.720% 4.6667% $3,342.94 8459533 $173,000.00 5.970% 0.5000% $865.00 8459541 $258,250.03 5.970% 0.5000% $1,291.25 8459599 $97,719.57 5.970% 0.5000% $488.60 8459651 $191,600.16 5.970% 0.5000% $958.00 8459655 $79,818.46 5.970% 0.5000% $399.09 8459691 $95,812.90 5.845% 2.5833% $2,475.17 8459715 $97,719.56 5.970% 0.5000% $488.60 8459725 $196,123.49 5.845% 2.5833% $5,066.52 8459789 $73,489.09 5.970% 0.5000% $367.45 8460017 $49,853.45 5.845% 2.5833% $1,287.88 8460025 $318,663.26 5.970% 0.5000% $1,593.32 8460051 $190,453.45 5.970% 0.5000% $952.27 Monday, March 24, 2003 Page 7 of 13 8460061 $359,314.90 5.970% 0.5000% $1,796.57 8460069 $100,508.40 5.970% 0.5000% $502.54 8460087 $144,445.32 5.970% 0.5000% $722.23 8460221 $109,236.53 5.970% 0.5000% $546.18 8460243 $99,793.31 5.970% 0.5000% $498.97 8460247 $382,662.42 5.970% 0.5000% $1,913.31 8460321 $57,038.62 5.845% 2.5833% $1,473.50 8460357 $73,659.58 5.970% 0.5000% $368.30 8460359 $504,039.16 5.970% 0.5000% $2,520.20 8460401 $319,084.00 5.970% 0.5000% $1,595.42 8460445 $452,700.92 5.970% 0.5000% $2,263.50 8460453 $95,139.76 5.845% 2.5833% $2,457.78 8460473 $70,193.66 5.845% 2.5833% $1,813.34 8460481 $309,112.95 5.970% 0.5000% $1,545.56 8460995 $322,700.00 5.970% 0.5000% $1,613.50 8461163 $69,000.00 5.720% 4.6667% $3,220.00 8461231 $272,000.00 5.720% 4.6667% $12,693.33 8461471 $75,000.00 5.845% 2.5833% $1,937.50 8461499 $120,800.00 5.970% 0.5000% $604.00 8461949 $189,000.00 5.970% 0.5000% $945.00 8461961 $129,474.04 5.845% 2.5833% $3,344.75 8462033 $320,695.42 5.970% 0.5000% $1,603.48 8462055 $199,810.24 5.970% 0.5000% $999.05 8462065 $131,874.75 5.970% 0.5000% $659.37 8462109 $208,297.35 5.845% 2.5833% $5,381.01 8462161 $109,895.63 5.970% 0.5000% $549.48 8462273 $368,000.00 5.720% 4.6667% $17,173.33 8462375 $180,750.00 5.970% 0.5000% $903.75 8464345 $118,100.00 5.845% 2.5833% $3,050.92 8464589 $154,000.00 5.970% 0.5000% $770.00 8464603 $177,000.00 5.720% 4.6667% $8,260.00 8464605 $384,000.00 5.845% 2.5833% $9,920.00 8464637 $335,000.00 5.720% 4.6667% $15,633.33 8464705 $295,500.00 5.845% 2.5833% $7,633.75 8464709 $650,000.00 5.845% 2.5833% $16,791.67 8464735 $86,400.00 5.970% 0.5000% $432.00 8464777 $95,000.00 5.720% 4.6667% $4,433.33 8464807 $68,800.00 5.970% 0.5000% $344.00 8465249 $376,800.00 5.845% 2.5833% $9,734.00 8465251 $109,000.00 5.595% 6.7500% $7,357.50 8465343 $280,000.00 5.970% 0.5000% $1,400.00 8465541 $164,831.77 5.595% 6.7500% $11,126.14 8465553 $217,782.98 5.720% 4.6667% $10,163.21 8465575 $322,393.81 5.970% 0.5000% $1,611.97 8465841 $204,800.00 5.595% 6.7500% $13,824.00 8465863 $100,000.00 5.845% 2.5833% $2,583.33 8465957 $350,000.00 5.845% 2.5833% $9,041.67 8466013 $91,750.00 5.845% 2.5833% $2,370.21 8466833 $85,000.00 5.845% 2.5833% $2,195.83 8466867 $290,500.00 5.845% 2.5833% $7,504.58 8467025 $97,100.00 5.845% 2.5833% $2,508.42 8467027 $110,200.00 5.845% 2.5833% $2,846.83 8467141 $72,000.00 5.595% 6.7500% $4,860.00 8467143 $307,500.00 5.845% 2.5833% $7,943.75 8467195 $294,000.00 5.970% 0.5000% $1,470.00 8467249 $99,900.00 5.845% 2.5833% $2,580.75 8467269 $88,000.00 5.970% 0.5000% $440.00 Monday, March 24, 2003 Page 8 of 13 8467341 $104,800.00 5.970% 0.5000% $524.00 8467347 $129,500.00 5.845% 2.5833% $3,345.42 8467355 $104,000.00 5.970% 0.5000% $520.00 8467383 $392,400.00 5.845% 2.5833% $10,137.00 8467387 $650,000.00 5.845% 2.5833% $16,791.67 8467399 $556,000.00 5.845% 2.5833% $14,363.33 8467429 $432,000.00 5.970% 0.5000% $2,160.00 8467627 $400,000.00 5.970% 0.5000% $2,000.00 8467761 $83,920.30 5.970% 0.5000% $419.60 8467773 $117,500.00 5.845% 2.5833% $3,035.42 8467813 $140,000.00 5.720% 4.6667% $6,533.33 8467851 $256,000.00 5.845% 2.5833% $6,613.33 8467865 $141,600.00 5.720% 4.6667% $6,608.00 8472455 $520,000.00 5.845% 2.5833% $13,433.33 8472679 $80,000.00 5.845% 2.5833% $2,066.67 8472685 $68,000.00 5.845% 2.5833% $1,756.67 8472897 $400,000.00 5.845% 2.5833% $10,333.33 8472937 $211,200.00 5.720% 4.6667% $9,856.00 8473179 $181,000.00 5.970% 0.5000% $905.00 8473329 $130,000.00 5.845% 2.5833% $3,358.33 8473359 $125,360.00 5.720% 4.6667% $5,850.13 8473363 $148,100.00 5.720% 4.6667% $6,911.33 8473371 $200,000.00 5.595% 6.7500% $13,500.00 8473387 $306,750.00 5.595% 6.7500% $20,705.63 8473393 $398,500.00 5.970% 0.5000% $1,992.50 8473443 $310,000.00 5.845% 2.5833% $8,008.33 8473565 $74,250.00 5.970% 0.5000% $371.25 8473785 $216,000.00 5.970% 0.5000% $1,080.00 8473821 $715,000.00 5.845% 2.5833% $18,470.83 8473901 $108,810.00 5.845% 2.5833% $2,810.93 8474045 $60,740.90 5.845% 2.5833% $1,569.14 8474061 $216,500.00 5.970% 0.5000% $1,082.50 8474493 $296,000.00 5.845% 2.5833% $7,646.67 8475053 $60,200.00 5.845% 2.5833% $1,555.17 8475127 $114,500.00 5.845% 2.5833% $2,957.92 8475135 $124,500.00 5.845% 2.5833% $3,216.25 8475139 $237,500.00 5.845% 2.5833% $6,135.42 8475217 $62,000.00 5.845% 2.5833% $1,601.67 8475301 $220,000.00 5.970% 0.5000% $1,100.00 8475369 $96,400.00 5.970% 0.5000% $482.00 8475383 $239,500.00 5.970% 0.5000% $1,197.50 8475431 $87,500.00 5.970% 0.5000% $437.50 8475441 $293,000.00 5.595% 6.7500% $19,777.50 8475455 $204,000.00 5.970% 0.5000% $1,020.00 8475481 $96,000.00 5.970% 0.5000% $480.00 8476165 $255,000.00 5.970% 0.5000% $1,275.00 8476225 $93,600.00 5.970% 0.5000% $468.00 8476373 $400,000.00 5.970% 0.5000% $2,000.00 8476393 $133,700.00 5.720% 4.6667% $6,239.33 8476461 $218,000.00 5.970% 0.5000% $1,090.00 8476653 $392,000.00 5.845% 2.5833% $10,126.67 8476695 $388,000.00 5.720% 4.6667% $18,106.67 8476937 $380,000.00 5.970% 0.5000% $1,900.00 8477103 $405,000.00 5.970% 0.5000% $2,025.00 8477135 $234,000.00 5.970% 0.5000% $1,170.00 8477637 $420,000.00 5.970% 0.5000% $2,100.00 8477711 $400,000.00 5.845% 2.5833% $10,333.33 Monday, March 24, 2003 Page 9 of 13 8477725 $280,000.00 5.720% 4.6667% $13,066.67 8477733 $137,600.00 5.595% 6.7500% $9,288.00 8477749 $267,200.00 5.845% 2.5833% $6,902.67 8477785 $379,600.00 5.595% 6.7500% $25,623.00 8477831 $376,000.00 5.970% 0.5000% $1,880.00 8477833 $225,000.00 5.720% 4.6667% $10,500.00 8477835 $181,500.00 5.595% 6.7500% $12,251.25 8477881 $322,000.00 5.595% 6.7500% $21,735.00 8477883 $322,500.00 5.720% 4.6667% $15,050.00 8477955 $68,500.00 5.970% 0.5000% $342.50 8478011 $375,000.00 5.720% 4.6667% $17,500.00 8478469 $285,000.00 5.970% 0.5000% $1,425.00 8478571 $243,000.00 5.595% 6.7500% $16,402.50 8479971 $440,000.00 5.970% 0.5000% $2,200.00 8480657 $312,000.00 5.970% 0.5000% $1,560.00 8480931 $320,000.00 5.845% 2.5833% $8,266.67 8481567 $94,500.00 5.845% 2.5833% $2,441.25 8481903 $182,000.00 5.970% 0.5000% $910.00 8482423 $251,700.00 5.970% 0.5000% $1,258.50 8483477 $75,300.00 5.845% 2.5833% $1,945.25 8483481 $71,750.00 5.845% 2.5833% $1,853.54 8483483 $65,650.00 5.845% 2.5833% $1,695.96 8483703 $244,000.00 5.970% 0.5000% $1,220.00 8483731 $116,400.00 5.845% 2.5833% $3,007.00 8483749 $478,000.00 5.595% 6.7500% $32,265.00 8483767 $350,000.00 5.720% 4.6667% $16,333.33 8483779 $264,000.00 5.970% 0.5000% $1,320.00 8483843 $114,000.00 5.970% 0.5000% $570.00 8483859 $304,000.00 5.845% 2.5833% $7,853.33 8483865 $108,000.00 5.845% 2.5833% $2,790.00 8483871 $617,500.00 5.845% 2.5833% $15,952.08 8483959 $51,471.00 5.970% 0.5000% $257.36 8484027 $372,000.00 5.845% 2.5833% $9,610.00 8484071 $110,250.00 5.845% 2.5833% $2,848.13 8484117 $54,000.00 5.970% 0.5000% $270.00 8484155 $208,800.00 5.845% 2.5833% $5,394.00 8484171 $382,000.00 5.595% 6.7500% $25,785.00 8484217 $367,500.00 5.845% 2.5833% $9,493.75 8484887 $400,000.00 5.720% 4.6667% $18,666.67 8484935 $291,716.20 5.845% 2.5833% $7,536.00 8485153 $450,000.00 5.970% 0.5000% $2,250.00 8485259 $418,850.00 5.720% 4.6667% $19,546.33 8485389 $318,750.00 5.970% 0.5000% $1,593.75 8485855 $225,000.00 5.845% 2.5833% $5,812.50 8486003 $65,484.74 5.720% 4.6667% $3,055.95 8486579 $242,000.00 5.970% 0.5000% $1,210.00 8487345 $106,500.00 5.845% 2.5833% $2,751.25 8487347 $364,000.00 5.845% 2.5833% $9,403.33 8487367 $124,500.00 5.970% 0.5000% $622.50 8487369 $214,500.00 5.970% 0.5000% $1,072.50 8487377 $75,000.00 5.970% 0.5000% $375.00 8487397 $358,000.00 5.845% 2.5833% $9,248.33 8487413 $110,200.00 5.845% 2.5833% $2,846.83 8487421 $260,000.00 5.845% 2.5833% $6,716.67 8487425 $384,000.00 5.845% 2.5833% $9,920.00 8487441 $145,000.00 5.720% 4.6667% $6,766.67 8487463 $293,000.00 5.845% 2.5833% $7,569.17 Monday, March 24, 2003 Page 10 of 13 8487491 $372,000.00 5.845% 2.5833% $9,610.00 8487503 $125,000.00 5.845% 2.5833% $3,229.17 8487555 $322,700.00 5.595% 6.7500% $21,782.25 8487621 $183,850.00 5.720% 4.6667% $8,579.67 8487661 $211,200.00 5.845% 2.5833% $5,456.00 8487669 $42,300.00 5.845% 2.5833% $1,092.75 8488697 $250,500.00 5.970% 0.5000% $1,252.50 8489231 $147,900.00 5.720% 4.6667% $6,902.00 8489265 $56,500.00 5.720% 4.6667% $2,636.67 8489433 $272,500.00 5.720% 4.6667% $12,716.67 8489739 $288,000.00 5.970% 0.5000% $1,440.00 8490413 $88,000.00 5.720% 4.6667% $4,106.67 8490453 $615,000.00 5.845% 2.5833% $15,887.50 8490469 $645,000.00 5.845% 2.5833% $16,662.50 8490493 $514,000.00 5.970% 0.5000% $2,570.00 8490503 $126,000.00 5.595% 6.7500% $8,505.00 8490525 $320,000.00 5.845% 2.5833% $8,266.67 8490549 $429,100.00 5.845% 2.5833% $11,085.08 8490551 $388,000.00 5.970% 0.5000% $1,940.00 8490611 $120,000.00 5.845% 2.5833% $3,100.00 8490613 $367,000.00 5.970% 0.5000% $1,835.00 8491461 $61,941.17 5.970% 0.5000% $309.71 8491513 $351,330.26 5.970% 0.5000% $1,756.65 8491531 $203,219.65 5.970% 0.5000% $1,016.10 8491533 $349,334.07 5.970% 0.5000% $1,746.67 8491539 $399,238.95 5.970% 0.5000% $1,996.19 8491551 $308,000.00 5.595% 6.7500% $20,790.00 8491585 $344,327.65 5.845% 2.5833% $8,895.13 8491603 $108,000.00 5.970% 0.5000% $540.00 8491607 $90,124.01 5.845% 2.5833% $2,328.20 8491647 $499,025.56 5.845% 2.5833% $12,891.49 8491649 $334,558.62 5.970% 0.5000% $1,672.79 8491667 $134,730.53 5.720% 4.6667% $6,287.42 8491681 $187,583.71 5.845% 2.5833% $4,845.91 8491687 $379,276.11 5.970% 0.5000% $1,896.38 8491693 $378,809.88 5.970% 0.5000% $1,894.05 8491721 $839,202.97 5.970% 0.5000% $4,196.01 8491725 $352,328.36 5.970% 0.5000% $1,761.64 8491745 $169,786.36 5.970% 0.5000% $848.93 8491773 $349,334.07 5.970% 0.5000% $1,746.67 8491791 $331,368.32 5.970% 0.5000% $1,656.84 8491843 $334,934.03 5.970% 0.5000% $1,674.67 8491893 $368,979.51 5.845% 2.5833% $9,531.97 8491937 $83,700.00 5.595% 6.7500% $5,649.75 8491953 $95,783.58 5.845% 2.5833% $2,474.41 8492021 $225,459.74 5.845% 2.5833% $5,824.38 8492065 $370,960.31 5.970% 0.5000% $1,854.80 8492093 $329,679.26 5.845% 2.5833% $8,516.71 8492131 $107,779.22 5.595% 6.7500% $7,275.10 8492183 $359,591.66 5.720% 4.6667% $16,780.94 8492191 $167,740.69 5.970% 0.5000% $838.70 8492207 $338,878.15 5.970% 0.5000% $1,694.39 8492251 $360,000.00 5.845% 2.5833% $9,300.00 8492471 $114,000.00 5.595% 6.7500% $7,695.00 8492753 $115,200.00 5.845% 2.5833% $2,976.00 8492815 $212,200.00 5.595% 6.7500% $14,323.50 8493103 $366,750.00 5.845% 2.5833% $9,474.38 Monday, March 24, 2003 Page 11 of 13 8493113 $130,400.00 5.970% 0.5000% $652.00 8493115 $185,250.00 5.970% 0.5000% $926.25 8493149 $513,000.00 5.970% 0.5000% $2,565.00 8495341 $158,600.00 5.970% 0.5000% $793.00 8495375 $131,000.00 5.845% 2.5833% $3,384.17 8495499 $232,000.00 5.970% 0.5000% $1,160.00 8495751 $640,000.00 5.845% 2.5833% $16,533.33 8495777 $186,000.00 5.970% 0.5000% $930.00 8495823 $196,800.00 5.845% 2.5833% $5,084.00 8496319 $93,600.00 5.720% 4.6667% $4,368.00 8497811 $264,000.00 5.595% 6.7500% $17,820.00 8498291 $52,000.00 5.970% 0.5000% $260.00 8499131 $104,000.00 5.970% 0.5000% $520.00 8499367 $207,204.38 5.970% 0.5000% $1,036.02 8500289 $144,000.00 5.595% 6.7500% $9,720.00 8502087 $361,800.00 5.845% 2.5833% $9,346.50 8502089 $150,400.00 5.845% 2.5833% $3,885.33 8502121 $219,500.00 5.720% 4.6667% $10,243.33 8502179 $364,000.00 5.720% 4.6667% $16,986.67 8502191 $304,000.00 5.720% 4.6667% $14,186.67 8502201 $200,000.00 5.595% 6.7500% $13,500.00 8502501 $364,000.00 5.845% 2.5833% $9,403.33 8502533 $225,000.00 5.845% 2.5833% $5,812.50 8502779 $82,000.00 5.970% 0.5000% $410.00 8502975 $189,420.10 5.970% 0.5000% $947.10 8502981 $91,788.98 5.720% 4.6667% $4,283.49 8503007 $299,701.35 5.720% 4.6667% $13,986.06 8503039 $98,404.26 5.845% 2.5833% $2,542.11 8503169 $226,000.00 5.720% 4.6667% $10,546.67 8503249 $96,750.00 5.970% 0.5000% $483.75 8503387 $180,000.00 5.720% 4.6667% $8,400.00 8503721 $130,000.00 5.845% 2.5833% $3,358.33 8504909 $107,000.00 5.845% 2.5833% $2,764.17 8505369 $344,000.00 5.595% 6.7500% $23,220.00 8505481 $182,400.00 5.970% 0.5000% $912.00 8507077 $204,500.00 5.595% 6.7500% $13,803.75 8507079 $210,000.00 5.845% 2.5833% $5,425.00 8507087 $417,000.00 5.845% 2.5833% $10,772.50 8507089 $94,000.00 5.845% 2.5833% $2,428.33 8507095 $86,000.00 5.845% 2.5833% $2,221.67 8507175 $497,000.00 5.595% 6.7500% $33,547.50 8507211 $360,000.00 5.720% 4.6667% $16,800.00 8508147 $448,000.00 5.845% 2.5833% $11,573.33 8508541 $349,000.00 5.845% 2.5833% $9,015.83 8510431 $400,000.00 5.845% 2.5833% $10,333.33 8510613 $398,000.00 5.845% 2.5833% $10,281.67 8511691 $131,200.00 5.970% 0.5000% $656.00 8512137 $93,600.00 5.595% 6.7500% $6,318.00 8516345 $127,100.00 5.845% 2.5833% $3,283.42 8516357 $195,000.00 5.595% 6.7500% $13,162.50 8516473 $169,600.00 5.845% 2.5833% $4,381.33 8516929 $230,400.00 5.845% 2.5833% $5,952.00 8517255 $111,000.00 5.720% 4.6667% $5,180.00 8517627 $176,772.00 5.845% 2.5833% $4,566.61 8519421 $296,000.00 5.595% 6.7500% $19,980.00 8520217 $172,000.00 5.595% 6.7500% $11,610.00 8520249 $171,100.00 5.595% 6.7500% $11,549.25 Monday, March 24, 2003 Page 12 of 13 8520391 $212,000.00 5.845% 2.5833% $5,476.67 8521045 $159,500.00 5.845% 2.5833% $4,120.42 8521199 $52,825.00 5.720% 4.6667% $2,465.17 8522015 $314,000.00 5.970% 0.5000% $1,570.00 8522027 $243,750.00 5.720% 4.6667% $11,375.00 8522035 $162,000.00 5.845% 2.5833% $4,185.00 8522037 $301,000.00 5.845% 2.5833% $7,775.83 8522039 $213,000.00 5.970% 0.5000% $1,065.00 8522043 $108,000.00 5.970% 0.5000% $540.00 8523159 $88,300.00 5.595% 6.7500% $5,960.25 8523165 $105,000.00 5.595% 6.7500% $7,087.50 8523167 $297,000.00 5.720% 4.6667% $13,860.00 8523171 $103,500.00 5.720% 4.6667% $4,830.00 8523173 $307,200.00 5.720% 4.6667% $14,336.00 8523177 $79,500.00 5.720% 4.6667% $3,710.00 8523179 $200,000.00 5.720% 4.6667% $9,333.33 8523181 $153,700.00 5.720% 4.6667% $7,172.67 8523183 $213,800.00 5.845% 2.5833% $5,523.17 8523187 $127,000.00 5.845% 2.5833% $3,280.83 8523189 $138,900.00 5.845% 2.5833% $3,588.25 8523191 $241,500.00 5.845% 2.5833% $6,238.75 8523195 $252,000.00 5.970% 0.5000% $1,260.00 8523197 $118,000.00 5.970% 0.5000% $590.00 8523199 $246,700.00 5.970% 0.5000% $1,233.50 8523203 $244,875.00 5.970% 0.5000% $1,224.38 8523233 $321,250.00 5.970% 0.5000% $1,606.25 8523239 $320,000.00 5.845% 2.5833% $8,266.67 8523241 $111,000.00 5.845% 2.5833% $2,867.50 8523243 $238,000.00 5.970% 0.5000% $1,190.00 8523245 $114,000.00 5.970% 0.5000% $570.00 8523247 $128,240.00 5.970% 0.5000% $641.20 8523251 $136,500.00 5.970% 0.5000% $682.50 8523253 $142,000.00 5.970% 0.5000% $710.00 8523301 $131,250.00 5.595% 6.7500% $8,859.38 8523305 $135,000.00 5.595% 6.7500% $9,112.50 8523307 $188,000.00 5.595% 6.7500% $12,690.00 8523741 $100,000.00 5.720% 4.6667% $4,666.67 8523743 $250,000.00 5.720% 4.6667% $11,666.67 8523745 $297,500.00 5.720% 4.6667% $13,883.33 8523747 $243,750.00 5.845% 2.5833% $6,296.88 8523749 $250,000.00 5.845% 2.5833% $6,458.33 8523753 $228,500.00 5.845% 2.5833% $5,902.92 8523755 $151,500.00 5.970% 0.5000% $757.50 8523757 $252,000.00 5.970% 0.5000% $1,260.00 8523769 $96,000.00 5.970% 0.5000% $480.00 8523771 $604,875.00 5.970% 0.5000% $3,024.38 8523773 $380,000.00 5.970% 0.5000% $1,900.00 8523783 $229,000.00 5.845% 2.5833% $5,915.83 8523793 $322,700.00 5.970% 0.5000% $1,613.50 8531571 $146,500.00 5.720% 4.6667% $6,836.67 Monday, March 24, 2003 Page 13 of 13
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, (a) the number and aggregate principal balances of Mortgage Loans that are Delinquent (1) 30-59 days, (2) 60-89 days and (3) 90 or more days and the number and aggregate principal balance of Mortgage Loans that are in foreclosure, (b) the number and aggregate principal balances of Reportable Modified Mortgage Loans that are Delinquent (1) 30-59 days, (2) 60-89 days and (3) 90 or more days and the number and aggregate principal balance of Reportable Modified Mortgage Loans that are in foreclosure and are REO Property, indicating in each case capitalized Mortgage Loans, other Servicing Modifications and totals, and (c) for all Reportable Modified Mortgage Loans, the number and aggregate Stated Principal Balance of Reportable Modified Mortgage Loans that have been liquidated, the subject of pay-offs and that have been repurchased by the Master Servicer or Seller; (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; 1 (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; (xvi) the related Senior Accelerated Distribution Percentage applicable to such distribution; (xvii) the related Senior Percentage for such Distribution Date; (xviii) the aggregate amount of Realized Losses for such Distribution Date; (xix) the aggregate amount of any recoveries on previously foreclosed loans from Sellers due to a breach of a representation or warranty assigned to the Trustee pursuant to Section 2.04; (xx) the weighted average remaining term to maturity of the Mortgage Loans after giving effect to the amounts distributed on such Distribution Date; and (xxi) the weighted average Mortgage Rates of the Mortgage Loans after giving effect to the amounts distributed on such Distribution Date. In the case of information furnished pursuant to clauses (i) and (ii) above, the amounts shall be expressed as a dollar amount per Certificate with a $1,000 denomination. The Trustee's internet website, and assistance in using the website, can be obtained by calling the Trustee's Shareholder Relations desk at (800) 735-7777. To receive this statement via first class mail, telephone the Trustee at (800) 735-7777. 2 EXHIBIT FOUR STANDARD TERMS OF POOLING AND SERVICING AGREEMENT DATED AS OF MARCH 1, 2003 EXECUTION COPY ================================================================================ STANDARD TERMS OF POOLING AND SERVICING AGREEMENT Dated as of March 1, 2003 Residential Accredit Loans, Inc. Mortgage Asset-Backed Pass-Through Certificates ================================================================================
TABLE OF CONTENTS PAGE Article I DEFINITIONS...............................................................2 Section 1.01. Definitions...........................................................2 Section 1.02. Use of Words and Phrases.............................................32 Article II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES..........33 Section 2.01. Conveyance of Mortgage Loans.........................................33 Section 2.02. Acceptance by Trustee................................................39 Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Company.............................................................40 Section 2.04. Representations and Warranties of Sellers............................42 Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates Evidencing Interests in REMIC I Certificates..................44 Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular Interests; Acceptance by the Trustee..................................................44 Section 2.07. Issuance of Certificates Evidencing Interests in REMIC II............44 Section 2.08. Purposes and Powers of the Trust.....................................44 Article III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS...........................45 Section 3.01. Master Servicer to Act as Servicer...................................45 Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement of Subservicers' and Sellers' Obligations......................46 Section 3.03. Successor Subservicers...............................................47 Section 3.04. Liability of the Master Servicer.....................................48 Section 3.05. No Contractual Relationship Between Subservicer and Trustee or Certificateholders ........................................................48 Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee..... 48 Section 3.07. Collection of Certain Mortgage Loan Payments; Deposits to Custodial Account ...................................................................49 Section 3.08. Subservicing Accounts; Servicing Accounts............................51 Section 3.09. Access to Certain Documentation and Information Regarding the Mortgage Loans .....................................................................53 Section 3.10. Permitted Withdrawals from the Custodial Account.....................53 i Section 3.11. Maintenance of the Primary Insurance Policies; Collections Thereunder55 Section 3.12. Maintenance of Fire Insurance and Omissions and Fidelity Coverage...56 Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and Modification Agreements; Certain Assignments.........................................................57 Section 3.14. Realization Upon Defaulted Mortgage Loans............................59 Section 3.15. Trustee to Cooperate; Release of Mortgage Files......................63 Section 3.16. Servicing and Other Compensation; Compensating Interest..............64 Section 3.17. Reports to the Trustee and the Company...............................65 Section 3.18. Annual Statement as to Compliance....................................65 Section 3.19. Annual Independent Public Accountants' Servicing Report..............66 Section 3.20. Rights of the Company in Respect of the Master Servicer..............66 Section 3.21. Administration of Buydown Funds......................................67 Article IV PAYMENTS TO CERTIFICATEHOLDERS...........................................68 Section 4.01. Certificate Account..................................................68 Section 4.02. Distributions........................................................68 Section 4.03. Statements to Certificateholders; Statements to Rating Agencies; Exchange Act Reporting.....................................................68 Section 4.04. Distribution of Reports to the Trustee and the Company; Advances by the Master Servicer.............. ......................................70 Section 4.05. Allocation of Realized Losses........................................72 Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property........72 Section 4.07. Optional Purchase of Defaulted Mortgage Loans........................72 Section 4.08. Surety Bond..........................................................72 Article V THE CERTIFICATES.........................................................74 Section 5.01. The Certificates.....................................................74 Section 5.02. Registration of Transfer and Exchange of Certificates................76 Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates....................81 Section 5.04. Persons Deemed Owners................................................82 Section 5.05. Appointment of Paying Agent..........................................82 ii Article VI THE COMPANY AND THE MASTER SERVICER......................................83 Section 6.01. Respective Liabilities of the Company and the Master Servicer........83 Section 6.02. Merger or Consolidation of the Company or the Master Servicer; Assignment of Rights and Delegation of Duties by Master Servicer..........................83 Section 6.03. Limitation on Liability of the Company, the Master Servicer and Others 84 Section 6.04. Company and Master Servicer Not to Resign............................85 Article VII DEFAULT..................................................................86 Section 7.01. Events of Default....................................................86 Section 7.02. Trustee or Company to Act; Appointment of Successor..................88 Section 7.03. Notification to Certificateholders...................................89 Section 7.04. Waiver of Events of Default..........................................89 Article VIII CONCERNING THE TRUSTEE...................................................90 Section 8.01. Duties of Trustee....................................................90 Section 8.02. Certain Matters Affecting the Trustee................................91 Section 8.03. Trustee Not Liable for Certificates or Mortgage Loans................93 Section 8.04. Trustee May Own Certificates.........................................93 Section 8.05. Master Servicer to Pay Trustee's Fees and Expenses; Indemnification.93 Section 8.06. Eligibility Requirements for Trustee.................................94 Section 8.07. Resignation and Removal of the Trustee...............................95 Section 8.08. Successor Trustee....................................................95 Section 8.09. Merger or Consolidation of Trustee...................................96 Section 8.10. Appointment of Co-Trustee or Separate Trustee........................96 Section 8.11. Appointment of Custodians............................................97 Section 8.12. Appointment of Office or Agency......................................98 Article IX TERMINATION OR OPTIONAL PURCHASE OF ALL CERTIFICATES.....................99 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........ ....................................................99 iii Section 9.02. Additional Termination Requirements.................................102 Section 9.03. Termination of Multiple REMICs......................................103 Article X REMIC PROVISIONS........................................................104 Section 10.01.REMIC Administration................................................104 Section 10.02.Master Servicer, REMIC Administrator and Trustee Indemnification....107 Section 10.03.Designation of REMIC(s).............................................108 Article XI MISCELLANEOUS PROVISIONS................................................109 Section 11.01.Amendment...........................................................109 Section 11.02.Recordation of Agreement; Counterparts..............................111 Section 11.03.Limitation on Rights of Certificateholders..........................112 Section 11.04.Governing Law.......................................................112 Section 11.05.Notices.............................................................113 Section 11.06.Required Notices to Rating Agency and Subservicer...................114 Section 11.07.Severability of Provisions..........................................114 Section 11.08.Supplemental Provisions for Resecuritization........................114 Section 11.09.Allocation of Voting Rights.........................................114 Section 11.10.No Petition.........................................................114 iv EXHIBITS Exhibit A: Form of Class A Certificate Exhibit B: Form of Class M Certificate Exhibit C: Form of Class B Certificate Exhibit D: Form of Class R Certificate Exhibit E: Form of Seller/Servicer Contract Exhibit F: Forms of Request for Release Exhibit G-1: Form of Transfer Affidavit and Agreement Exhibit G-2: Form of Transferor Certificate Exhibit H: Form of Investor Representation Letter Exhibit I: Form of Transferor Representation Letter Exhibit J: Form of Rule 144A Investment Representation Letter Exhibit K: Text of Amendment to Pooling and Servicing Agreement Pursuant to Section 11.01(e) for a Limited Guaranty Exhibit L: Form of Limited Guaranty Exhibit M: Form of Lender Certification for Assignment of Mortgage Loan Exhibit N: Request for Exchange Form Exhibit O: Form of Form 10-K Certification Exhibit P: Form of Back-Up Certification to Form 10-K Certificate Exhibit Q: Information to be Provided by the Master Servicer to the Rating Agencies Relating to Reportable Modified Mortgage Loans
This is the Standard Terms of Pooling and Servicing Agreement, dated as of March 1, 2003 (the "Standard Terms", and as incorporated by reference into a Series Supplement dated as of the Cut-off Date, the "Pooling and Servicing Agreement" or "Agreement"), among RESIDENTIAL ACCREDIT LOANS, INC., as the company (together with its permitted successors and assigns, the "Company"), RESIDENTIAL FUNDING CORPORATION, as master servicer (together with its permitted successors and assigns, the "Master Servicer"), and the trustee named in the applicable Series Supplement (together with its permitted successors and assigns, the "Trustee"). PRELIMINARY STATEMENT: The Company intends to sell certain mortgage asset-backed pass-through certificates (collectively, the "Certificates"), to be issued under the Agreement in multiple classes, which in the aggregate will evidence the entire beneficial ownership interest in the Mortgage Loans. In consideration of the mutual agreements herein contained, the Company, the Master Servicer and the Trustee agree as follows: 1 ARTICLE I DEFINITIONS Section 1.01. Definitions. Whenever used in this Agreement, the following words and phrases, unless the context otherwise requires, shall have the meanings specified in this Article. Accretion Termination Date: As defined in the Series Supplement. Accrual Certificates: As defined in the Series Supplement. Accrued Certificate Interest: With respect to each Distribution Date, as to any Class or Subclass of Certificates (other than any Principal Only Certificates), interest accrued during the related Interest Accrual Period at the related Pass-Through Rate on the Certificate Principal Balance or Notional Amount thereof immediately prior to such Distribution Date. Accrued Certificate Interest will be calculated on the basis of a 360-day year, consisting of twelve 30-day months. In each case Accrued Certificate Interest on any Class or Subclass of Certificates will be reduced by the amount of: (i) Prepayment Interest Shortfalls on all Mortgage Loans or, if the Mortgage Pool is comprised of two or more Loan Groups, on the Mortgage Loans in the related Loan Group (to the extent not offset by the Master Servicer with a payment of Compensating Interest as provided in Section 4.01), (ii) the interest portion (adjusted to the Net Mortgage Rate (or the Modified Net Mortgage Rate in the case of a Modified Mortgage Loan)) of Realized Losses on all Mortgage Loans or, if the Mortgage Pool is comprised of two or more Loan Groups, on the Mortgage Loans in the related Loan Group (including Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses and Extraordinary Losses) not allocated solely to one or more specific Classes of Certificates pursuant to Section 4.05, (iii) the interest portion of Advances that were (A) previously made with respect to a Mortgage Loan or REO Property on all Mortgage Loans or, if the Mortgage Pool is comprised of two or more Loan Groups, on the Mortgage Loans in the related Loan Group, which remained unreimbursed following the Cash Liquidation or REO Disposition of such Mortgage Loan or REO Property 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 4 Group, an amount equal to (a) the sum of (i) the amount relating to the Mortgage Loans on deposit in the Custodial Account as of the close of business on the immediately preceding Determination Date, including any Subsequent Recoveries, and amounts deposited in the Custodial Account in connection with the substitution of Qualified Substitute Mortgage Loans, (ii) the amount of any Advance made on the immediately preceding Certificate Account Deposit Date, (iii) any amount deposited in the Certificate Account on the related Certificate Account Deposit Date pursuant to the second paragraph of Section 3.12(a), (iv) any amount deposited in the Certificate Account pursuant to Section 4.07, (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. Capitalization Reimbursement Amount: As to any Distribution Date, the amount of Advances or Servicing Advances that were added to the Stated Principal Balance of the Mortgage Loans during the prior calendar month and reimbursed to the Master Servicer or Subservicer on or prior to such Distribution Date pursuant to Section 3.10(a)(vii), plus the Capitalization Reimbursement Shortfall Amount remaining unreimbursed from any prior Distribution Date and reimbursed to the Master Servicer or Subservicer on or prior to such Distribution Date. Capitalization Reimbursement Shortfall Amount: As to any Distribution Date, the amount, if any, by which the amount of Advances or Servicing Advances that were added to the Stated Principal Balance of the Mortgage Loans during the preceding calendar month exceeds the amount of principal payments on the Mortgage Loans included in the Available Distribution Amount for that Distribution Date. 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. 6 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 (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. 7 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. Commission: The Securities and Exchange Commission. 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(a) 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, 8 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. 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 (or due during the month of the Cut-off Date), 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. 9 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. 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. 10 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. 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 11 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 pplicable 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 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. Exchange Act: The Securities and Exchange Act of 1934, as amended. ------------ 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 12 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. 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. Form 10-K Certification: As defined in Section 4.03(e). Fraud Losses: Losses on Mortgage Loans as to which there was fraud in the origination of such Mortgage Loan. 13 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. 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. 14 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. 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. 15 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. 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 16 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. 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 or Subservicer 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. To the extent that any Mortgagor is not obligated under the related Mortgage documents to pay or reimburse any portion of any Servicing Advances that are outstanding with respect to the related Mortgage Loan as a result of a modification of such Mortgage Loan by the Master Servicer, which forgives amounts which the Master Servicer or Subservicer had previously advanced, and the Master Servicer determines that no other source of payment or reimbursement for such advances is available to it, such Servicing Advances shall be deemed to be Nonrecoverable Advances. 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. 17 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. 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; 18 (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; (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. 19 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. 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 20 (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. 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 21 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 (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 22 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, Servicing Advances or other 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) (1) the amount by which the interest portion of a Monthly Payment or the principal balance of such Mortgage Loan was reduced or (2) the sum of any other amounts owing under the Mortgage Loan that were forgiven and that constitute Servicing Advances that are reimbursable to the Master Servicer or a Subservicer, 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 (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. 23 Record Date: With respect to each Distribution Date, the close of business on the last Business Day of the month next preceding the month in which the related Distribution Date occurs. Regular Certificate: Any of the Certificates other than a Class R Certificate. REMIC: A "real estate mortgage investment conduit" within the meaning of Section 860D of the Code. REMIC Administrator: Residential Funding Corporation. If Residential Funding Corporation is found by a court of competent jurisdiction to no longer be able to fulfill its obligations as REMIC Administrator under this Agreement the Master Servicer or Trustee acting as Master Servicer shall appoint a successor REMIC Administrator, subject to assumption of the REMIC Administrator obligations under this Agreement. REMIC Provisions: Provisions of the federal income tax law relating to real estate mortgage investment conduits, which appear at Sections 860A through 860G of Subchapter M of Chapter 1 of the Code, and related provisions, and temporary and final regulations (or, to the extent not inconsistent with such temporary or final regulations, proposed regulations) and published rulings, notices and announcements promulgated thereunder, as the foregoing may be in effect from time to time. REO Acquisition: The acquisition by the Master Servicer on behalf of the Trustee for the benefit of the Certificateholders of any REO Property pursuant to Section 3.14. REO Disposition: As to any REO Property, a determination by the Master Servicer that it has received all Insurance Proceeds, Liquidation Proceeds, REO Proceeds and other payments and recoveries (including proceeds of a final sale) which the Master Servicer expects to be finally recoverable from the sale or other disposition of the REO Property. REO Imputed Interest: As to any REO Property, for any period, an amount equivalent to interest (at the Net Mortgage Rate that would have been applicable to the related Mortgage Loan had it been outstanding) on the unpaid principal balance of the Mortgage Loan as of the date of acquisition thereof for such period. 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. Reportable Modified Mortgage Loan: Any Mortgage Loan that (i) has been subject to an interest rate reduction, (ii) has been subject to a term extension or (iii) has had amounts owing on such Mortgage Loan capitalized by adding such amount to the Stated Principal Balance of such Mortgage Loan; provided, however, that a Mortgage Loan modified in accordance with clause (i) above for a temporary period shall not be a Reportable Modified Mortgage Loan if such 24 Mortgage Loan has not been delinquent in payments of principal and interest for six months since the date of such modification if that interest rate reduction is not made permanent thereafter. 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 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: A Senior Certificate, if any, offered in smaller minimum denominations than other Senior Certificates, and designated as such in the Series Supplement. Schedule of Discount Fractions: The schedule setting forth the Discount Fractions with respect to the Discount Mortgage Loans, attached as an exhibit to the Series Supplement. Security Agreement: With respect to a Cooperative Loan, the agreement creating a security interest in favor of the originator in the related Cooperative Stock. Seller: As to any Mortgage Loan, a Person, including any Subservicer, that executed a Seller's Agreement applicable to such Mortgage Loan. Seller's Agreement: An agreement for the origination and sale of Mortgage Loans generally in the form of the Seller Contract referred to or contained in the Program Guide, or in such other form as has been approved by the Master Servicer and the Company, each containing representations and warranties in respect of one or more Mortgage Loans consistent in all material respects with those set forth in the Program Guide. Senior Accelerated Distribution Percentage: With respect to any Distribution Date occurring on or prior to the 60th Distribution Date and, with 25 respect to any Mortgage Pool comprised of two or more Loan Groups, any Loan Group, 100%. With respect to any Distribution Date thereafter and any such Loan Group, if applicable, as follows: (i) for any Distribution Date after the 60th Distribution Date but on or prior to the 72nd Distribution Date, the related Senior Percentage for such Distribution Date plus 70% of the related Subordinate Percentage for such Distribution Date; (ii) for any Distribution Date after the 72nd Distribution Date but on or prior to the 84th Distribution Date, the related Senior Percentage for such Distribution Date plus 60% of the related Subordinate Percentage for such Distribution Date; (iii) for any Distribution Date after the 84th Distribution Date but on or prior to the 96th Distribution Date, the related Senior Percentage for such Distribution Date plus 40% of the related Subordinate Percentage for such Distribution Date; (iv) for any Distribution Date after the 96th Distribution Date but on or prior to the 108th Distribution Date, the related Senior Percentage for such Distribution Date plus 20% of the related Subordinate Percentage for such Distribution Date; and (v) for any Distribution Date thereafter, the Senior Percentage for such Distribution Date; provided, however, -------- ------- (i) that any scheduled reduction to the Senior Accelerated Distribution Percentage described above shall not occur as of any Distribution Date unless either (a)(1)(X) the outstanding principal balance of the Mortgage Loans delinquent 60 days or more averaged over the last six months, as a percentage of the aggregate outstanding Certificate Principal Balance of the Subordinate Certificates, is less than 50% or (Y) the outstanding principal balance of Mortgage Loans delinquent 60 days or more averaged over the last six months, as a percentage of the aggregate outstanding principal balance of all Mortgage Loans averaged over the last six months, does not exceed 2% and (2) Realized Losses on the Mortgage Loans to date for such Distribution Date if occurring during the sixth, seventh, eighth, ninth or tenth year (or any year thereafter) after the Closing Date are less than 30%, 35%, 40%, 45% or 50%, respectively, of the sum of the Initial Certificate Principal Balances of the Subordinate Certificates or (b)(1) the outstanding principal balance of Mortgage Loans delinquent 60 days or more averaged over the last six months, as a percentage of the aggregate outstanding principal balance of all Mortgage Loans averaged over the last six months, does not exceed 4% and (2) Realized Losses on the Mortgage Loans to date for such Distribution Date, if occurring during the sixth, seventh, eighth, ninth or tenth year (or any year thereafter) after the Closing Date are less than 10%, 15%, 20%, 25% or 30%, respectively, of the sum of the Initial Certificate Principal Balances of the Subordinate Certificates, and 26 (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 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) 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. 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. 27 Servicing Modification: Any reduction of the interest rate on or the outstanding principal balance of a Mortgage Loan, any extension of the final maturity date of a Mortgage Loan, and any increase to the outstanding principal balance of a Mortgage Loan by adding to the Stated Principal Balance unpaid principal and interest and other amounts owing under the Mortgage Loan, in each case pursuant to a modification of a Mortgage Loan that is in default, or for which, in the judgment of the Master Servicer, default is reasonably foreseeable 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 Ratings Services, 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 sum of (a) the Cut-off Date Principal Balance of the Mortgage Loan plus (b) any amount by which the Stated Principal Balance of the Mortgage Loan has been increased pursuant to a Servicing Modification, 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). 28 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. 29 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, 30 (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. 31 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 in the month of 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. 32 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), (iv), (vii), (ix) and (x) (or copies thereof as permitted 33 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 34 in the name of the Trustee in conjunction with the Interim Certification issued by the Custodian, as contemplated by Section 2.02. Any of the items set forth in Sections 2.01(b)(I)(ii), (iii), (iv) and (v) and (II)(vi) and (vii) and that may be delivered as a copy rather than the original may be delivered to the Trustee or the Custodian. In connection with the assignment of any Mortgage Loan registered on the MERS(R) System, the Company further agrees that it will cause, at the Company's own expense, within 30 Business Days after the Closing Date, the MERS(R) System to indicate that such Mortgage Loans have been assigned by the Company to the Trustee in accordance with this Agreement for the benefit of the Certificateholders by including (or deleting, in the case of Mortgage Loans which are repurchased in accordance with this Agreement) in such computer files (a) the code in the field which identifies the specific Trustee and (b) the code in the field "Pool Field" which identifies the series of the Certificates issued in connection with such Mortgage Loans. The Company further agrees that it will not, and will not permit the Master Servicer to, and the Master Servicer agrees that it will not, alter the codes referenced in this paragraph with respect to any Mortgage Loan during the term of this Agreement unless and until such Mortgage Loan is repurchased in accordance with the terms of this Agreement. (e) Residential Funding hereby assigns to the Trustee its security interest in and to any Additional Collateral or Pledged Assets, its right to receive amounts due or to become due in respect of any Additional Collateral or Pledged Assets pursuant to the related Subservicing Agreement and its rights as beneficiary under the Surety Bond in respect of any Additional Collateral Loans. With respect to any Additional Collateral Loan or Pledged Asset Loan, Residential Funding shall cause to be filed in the appropriate recording office a UCC-3 statement giving notice of the assignment of the related security interest to the Trust Fund and shall thereafter cause the timely filing of all necessary continuation statements with regard to such financing statements. (f) It is intended that the conveyance by the Company to the Trustee of the Mortgage Loans as provided for in this Section 2.01 be and the Uncertificated REMIC Regular Interests, if any (as provided for in Section 2.06), be construed as a sale by the Company to the Trustee of the Mortgage Loans and any Uncertificated REMIC Regular Interests for the benefit of the Certificateholders. Further, it is not intended that such conveyance be deemed to be a pledge of the Mortgage Loans and any Uncertificated REMIC Regular Interests by the Company to the Trustee to secure a debt or other obligation of the Company. Nonetheless, (a) this Agreement is intended to be and hereby is a security agreement within the meaning of Articles 8 and 9 of the New York Uniform Commercial Code and the Uniform Commercial Code of any other applicable jurisdiction; (b) the conveyance provided for in Section 2.01 shall be deemed to be, and hereby is, (1) a grant by the Company to the Trustee of a security interest in all of the Company's right (including the power to convey title thereto), title and interest, whether now owned or hereafter acquired, in and to any and all general intangibles, payment intangibles, accounts, chattel paper, instruments, documents, money, deposit accounts, certificates of deposit, goods, letters of credit, advices of credit and investment property and other property of whatever kind or description now existing or hereafter acquired consisting of, arising from or relating to any of the following: (A) the Mortgage Loans, 35 including (i) with respect to each Cooperative Loan, the related Mortgage Note, Security Agreement, Assignment of Proprietary Lease, Cooperative Stock Certificate and Cooperative Lease, (ii) with respect to each Mortgage Loan other than a Cooperative Loan, the related Mortgage Note and Mortgage, and (iii) any insurance policies and all other documents in the related Mortgage File, (B) all amounts payable pursuant to the Mortgage Loans in accordance with the terms thereof, (C) any Uncertificated REMIC Regular Interests and (D) all proceeds of the conversion, voluntary or involuntary, of the foregoing into cash, instruments, securities or other property, including without limitation all amounts from time to time held or invested in the Certificate Account or the Custodial Account, whether in the form of cash, instruments, securities or other property and (2) an assignment by the Company to the Trustee of any security interest in any and all of Residential Funding's right (including the power to convey title thereto), title and interest, whether now owned or hereafter acquired, in and to the property described in the foregoing clauses (1)(A), (B), (C) and (D) granted by Residential Funding to the Company pursuant to the Assignment Agreement; (c) the possession by the Trustee, the Custodian or any other agent of the Trustee of Mortgage Notes or such other items of property as constitute instruments, money, payment intangibles, negotiable documents, goods, deposit accounts, letters of credit, advices of credit, investment property, certificated securities or chattel paper shall be deemed to be "possession by the secured party," or possession by a purchaser or a person designated by such secured party, for purposes of perfecting the security interest pursuant to the Minnesota Uniform Commercial Code and the Uniform Commercial Code of any other applicable jurisdiction as in effect (including, without limitation, Sections 8-106, 9-313 and 9-106 thereof); and (d) notifications to persons holding such property, and acknowledgments, receipts or confirmations from persons holding such property, shall be deemed notifications to, or acknowledgments, receipts or confirmations from, securities intermediaries, bailees or agents of, or persons holding for (as applicable) the Trustee for the purpose of perfecting such security interest under applicable law. The Company and, at the Company's direction, Residential Funding and the Trustee shall, to the extent consistent with this Agreement, take such reasonable actions as may be necessary to ensure that, if this Agreement were determined to create a security interest in the Mortgage Loans, any Uncertificated REMIC Regular Interests and the other property described above, such security interest would be determined to be a perfected security interest of first priority under applicable law and will be maintained as such throughout the term of this Agreement. Without limiting the generality of the foregoing, the Company shall prepare and deliver to the Trustee not less than 15 days prior to any filing date and, the Trustee shall forward for filing, or shall cause to be forwarded for filing, at the expense of the Company, all filings necessary to maintain the effectiveness of any original filings necessary under the Uniform Commercial Code as in effect in any jurisdiction to perfect the Trustee's security interest in or lien on the Mortgage Loans and any Uncertificated REMIC Regular Interests, as evidenced by an Officers' Certificate of the Company, including without limitation (x) continuation statements, and (y) such other statements as may be occasioned by (1) any change of name of Residential Funding, the Company or the Trustee (such preparation and filing shall be at the expense of the Trustee, if occasioned by a change in the Trustee's name), (2) any change of location of the place of business or the chief executive office of Residential Funding or the Company, (3) any transfer of any interest of Residential Funding or the Company in any Mortgage Loan or (4) any transfer of any interest of Residential Funding or the Company in any Uncertificated REMIC Regular Interest. 36 (g) The Master Servicer hereby acknowledges the receipt by it of the Initial Monthly Payment Fund. The Master Servicer shall hold such Initial Monthly Payment Fund in the Custodial Account and shall include such Initial Monthly Payment Fund in the Available Distribution Amount for the initial Distribution Date. Notwithstanding anything herein to the contrary, the Initial Monthly Payment Fund shall not be an asset of any REMIC. To the extent that the Initial Monthly Payment Fund constitutes a reserve fund for federal income tax purposes, (1) it shall be an outside reserve fund and not an asset of any REMIC, (2) it shall be owned by the Seller and (3) amounts transferred by any REMIC to the Initial Monthly Payment Fund shall be treated as transferred to the Seller or any successor, all within the meaning of Section 1.860G-2(h) of the Treasury Regulations. (h) The Company agrees that the sale of each Pledged Asset Loan pursuant to this Agreement will also constitute the assignment, sale, setting-over, transfer and conveyance to the Trustee, without recourse (but subject to the Company's covenants, representations and warranties specifically provided herein), of all of the Company's obligations and all of the Company's right, title and interest in, to and under, whether now existing or hereafter acquired as owner of the Mortgage Loan with respect to any and all money, securities, security entitlements, accounts, general intangibles, payment intangibles, instruments, documents, deposit accounts, certificates of deposit, commodities contracts, and other investment property and other property of whatever kind or description consisting of, arising from or related to (i) the Assigned Contracts, (ii) all rights, powers and remedies of the Company as owner of such Mortgage Loan under or in connection with the Assigned Contracts, whether arising under the terms of such Assigned Contracts, by statute, at law or in equity, or otherwise arising out of any default by the Mortgagor under or in connection with the Assigned Contracts, including all rights to exercise any election or option or to make any decision or determination or to give or receive any notice, consent, approval or waiver thereunder, (iii) the Pledged Amounts and all money, securities, security entitlements, accounts, general intangibles, payment intangibles, instruments, documents, deposit accounts, certificates of deposit, commodities contracts, and other investment property and other property of whatever kind or description and all cash and non-cash proceeds of the sale, exchange, or redemption of, and all stock or conversion rights, rights to subscribe, liquidation dividends or preferences, stock dividends, rights to interest, dividends, earnings, income, rents, issues, profits, interest payments or other distributions of cash or other property that secures a Pledged Asset Loan, (iv) all documents, books and records concerning the foregoing (including all computer programs, tapes, disks and related items containing any such information) and (v) all insurance proceeds (including proceeds from the Federal Deposit Insurance Corporation or the Securities Investor Protection Corporation or any other insurance company) of any of the foregoing or replacements thereof or substitutions therefor, proceeds of proceeds and the conversion, voluntary or involuntary, of any thereof. The foregoing transfer, sale, assignment and conveyance does not constitute and is not intended to result in the creation, or an assumption by the Trustee, of any obligation of the Company, or any other person in connection with the Pledged Assets or under any agreement or instrument relating thereto, including any obligation to the Mortgagor, other than as owner of the Mortgage Loan. Section 2.02. Acceptance by Trustee. --------------------- The Trustee acknowledges receipt (or, with respect to Mortgage Loans subject to a Custodial Agreement, and based solely upon a receipt or certification executed by the Custodian, receipt by the respective Custodian as the duly appointed agent of the Trustee) of the documents referred to in Section 37 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 38 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; 39 (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. 40 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 41 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. 42 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. 43 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. 44 The Trustee shall furnish the Master Servicer with any powers of attorney and other documents necessary or appropriate to enable the Master Servicer to service and administer the Mortgage Loans. The Trustee shall not be liable for any action taken by the Master Servicer or any Subservicer pursuant to such powers of attorney. In servicing and administering any Nonsubserviced Mortgage Loan, the Master Servicer shall, to the extent not inconsistent with this Agreement, comply with the Program Guide as if it were the originator of such Mortgage Loan and had retained the servicing rights and obligations in respect thereof. In connection with servicing and administering the Mortgage Loans, the Master Servicer and any Affiliate of the Master Servicer (i) may perform services such as appraisals and brokerage services that are not customarily provided by servicers of mortgage loans, and shall be entitled to reasonable compensation therefor in accordance with Section 3.10 and (ii) may, at its own discretion and on behalf of the Trustee, obtain credit information in the form of a "credit score" from a credit repository. (b) All costs incurred by the Master Servicer or by Subservicers in effecting the timely payment of taxes and assessments on the properties subject to the Mortgage Loans shall not, for the purpose of calculating monthly distributions to the Certificateholders, be added to the amount owing under the related Mortgage Loans, notwithstanding that the terms of such Mortgage Loan so permit, and such costs shall be recoverable to the extent permitted by Section 3.10(a)(ii). (c) The Master Servicer may enter into one or more agreements in connection with the offering of pass-through certificates evidencing interests in one or more of the Certificates providing for the payment by the Master Servicer of amounts received by the Master Servicer as servicing compensation hereunder and required to cover certain Prepayment Interest Shortfalls on the Mortgage Loans, which payment obligation will thereafter be an obligation of the Master Servicer hereunder. Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement of Subservicers' and Sellers' Obligations. (a) The Master Servicer may continue in effect Subservicing Agreements entered into by Residential Funding and Subservicers prior to the execution and delivery of this Agreement, and may enter into new Subservicing Agreements with Subservicers, for the servicing and administration of all or some of the Mortgage Loans. Each Subservicer of a Mortgage Loan shall be entitled to receive and retain, as provided in the related Subservicing Agreement and in Section 3.07, the related Subservicing Fee from payments of interest received on such Mortgage Loan after payment of all amounts required to be remitted to the Master Servicer in respect of such Mortgage Loan. For any Mortgage Loan that is a Nonsubserviced Mortgage Loan, the Master Servicer shall be entitled to receive and retain an amount equal to the Subservicing Fee from payments of interest. Unless the context otherwise requires, references in this Agreement to actions taken or to be taken by the Master Servicer in servicing the Mortgage Loans include actions taken or to be taken by a Subservicer on behalf of the Master Servicer. Each Subservicing Agreement will be upon such terms and conditions as are generally required or permitted by the Program Guide and are not inconsistent with this Agreement and as the Master Servicer and the Subservicer have agreed. A representative form of Subservicing Agreement is attached to this Agreement as Exhibit E. With the approval of the Master Servicer, a Subservicer 45 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 46 made by the terminated Subservicer in respect of the related Mortgage Loans and, 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. 47 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), capitalize any amounts owing on the Mortgage Loan by adding such amount to the outstanding principal balance 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; provided, further, that (1) no such modification shall reduce the interest rate on a Mortgage Loan below one-half of the Mortgage Rate as in effect on the Cut-off Date, but not less than the sum of the rates at which the Servicing Fee and the Subservicing Fee with respect to such Mortgage Loan accrues plus the rate at which the premium paid to the Certificate Insurer, if any, accrues, (2) the final maturity date for any Mortgage Loan shall not be extended beyond the Maturity Date, (3) the Stated Principal Balance of all Reportable Modified Mortgage Loans subject to Servicing Modifications (measured at the time of the Servicing Modification and after giving effect to any Servicing Modification) can be no more than five percent of the aggregate principal balance of the Mortgage Loans as of the Cut-off Date, unless such limit is increased from time to time with the consent of the Rating Agencies and the Certificate Insurer, if any. In addition, any amounts owing on a Mortgage Loan added to the outstanding principal balance of such Mortgage Loan must be fully amortized over the term of such Mortgage Loan, and such amounts may be added to the outstanding principal balance of a Mortgage Loan only once during the life of such Mortgage Loan. Also, the addition of such amounts described in the preceding sentence 48 shall be implemented in accordance with the Program Guide and may be implemented only by Subservicers that have been approved by the Master Servicer for such purpose. 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): (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 49 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. (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 50 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. (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. 51 (d) The Master Servicer shall advance the payments referred to in the preceding subsection that are not timely paid by the Mortgagors or advanced by the Subservicers on the date when the tax, premium or other cost for which such payment is intended is due, but the Master Servicer shall be required so to advance only to the extent that such advances, in the good faith judgment of the Master Servicer, will be recoverable by the Master Servicer out of Insurance Proceeds, Liquidation Proceeds or otherwise. Section 3.09. Access to Certain Documentation and Information Regarding the Mortgage Loans. If compliance with this Section 3.09 shall make any Class of Certificates legal for investment by federally insured savings and loan associations, the Master Servicer shall provide, or cause the Subservicers to provide, to the Trustee, the Office of Thrift Supervision or the FDIC and the supervisory agents and examiners thereof access to the documentation regarding the Mortgage Loans required by applicable regulations of the Office of Thrift Supervision, such access being afforded without charge but only upon reasonable 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, 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 the related 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 52 (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; (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, and any Advance or Servicing Advance made in connection with a modified 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 or Servicing Advance was added to the Stated Principal Balance of the Mortgage Loan in the prior calendar month, 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. 53 (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 relating to an Advance pursuant to Section 4.04 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). 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. 54 (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; 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). 55 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. (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. 56 (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 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 57 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 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. 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 58 attempted foreclosure which is not completed, or towards the restoration of any property unless it shall determine (i) that such restoration and/or foreclosure will increase the proceeds of liquidation of the Mortgage Loan to Holders of Certificates of one or more Classes after reimbursement to itself for such expenses or charges and (ii) that such expenses or charges will be recoverable to it through Liquidation Proceeds, Insurance Proceeds, or REO Proceeds (respecting which it shall have priority for purposes of withdrawals from the Custodial Account pursuant to Section 3.10, whether or not such expenses and charges are actually recoverable from related Liquidation Proceeds, Insurance Proceeds or REO Proceeds). In the event of such a determination by the Master Servicer pursuant to this Section 3.14(a), the Master Servicer shall be entitled to reimbursement of such amounts pursuant to Section 3.10. In addition to the foregoing, the Master Servicer shall use its best reasonable efforts to realize upon any Additional Collateral for such of the Additional Collateral Loans as come into and continue in default and as to which no satisfactory arrangements can be made for collection of delinquent payments pursuant to Section 3.07; provided that the Master Servicer shall not, on behalf of the Trustee, obtain title to any such Additional Collateral as a result of or in lieu of the disposition thereof or otherwise; and provided further that (i) the Master Servicer shall not proceed with respect to such Additional Collateral in any manner that would impair the ability to recover against the related Mortgaged Property, and (ii) the Master Servicer shall proceed with any REO Acquisition in a manner that preserves the ability to apply the proceeds of such Additional Collateral against amounts owed under the defaulted Mortgage Loan. Any proceeds realized from such Additional Collateral (other than amounts to be released to the Mortgagor or the related guarantor in accordance with procedures that the Master Servicer would follow in servicing 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 59 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 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. 60 (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 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. 61 (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 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 62 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 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. 63 (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 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 and the Trustee on or before the earlier of (a) March 31 of each year, beginning with the first March 31 that occurs at least six months after the Cut-off Date or (b) with respect to any calendar year during which the Company's annual report on Form 10-K is required to be filed in accordance with the Exchange Act and the rules and regulations of the Commission, the date on which the annual report on Form 10-K is required to be filed in accordance with the Exchange Act and the rules and regulations of the Commission, 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 64 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 the earlier of (a) March 31 of each year, beginning with the first March 31 that occurs at least six months after the Cut-off Date, or (b) with respect to any calendar year during which the Company's annual report on Form 10-K is required to be filed in accordance with the Exchange Act and the rules and regulations of the Commission, the date on which the annual report is required to be filed in accordance with the Exchange Act and the rules and regulations of the Commission, 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. 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 65 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 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. 66 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. 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. Section 4.02. Distributions. ------------- As provided in Section 4.02 of the Series Supplement. Section 4.03. Statements to Certificateholders; Statements to Rating Agencies; Exchange Act Reporting. (a) Concurrently with each distribution charged to the Certificate Account and with respect to each Distribution Date the Master Servicer shall forward to the Trustee and the Trustee shall either forward by 67 mail or make available to each Holder and the Company, via the Trustee's internet website, a statement (and at its option, any additional files containing the same information in an alternative format) setting forth information as to each Class of Certificates, the Mortgage Pool and, if the Mortgage Pool is comprised of two or more Loan Groups, each Loan Group, to the extent applicable. This statement will include the information set forth in an exhibit to the Series Supplement. Such exhibit shall set forth the Trustee's internet website address together with a phone number. The Trustee shall mail to each Holder that requests a paper copy by telephone a paper copy via first class mail. The Trustee may modify the distribution procedures set forth in this Section provided that such procedures are no less convenient for the Certificateholders. The Trustee shall provide prior notification to the Company, the Master Servicer and the Certificateholders regarding any such modification. In addition, the Master Servicer shall provide to any manager of a trust fund consisting of some or all of the Certificates, upon reasonable request, such additional information as is reasonably obtainable by the Master Servicer at no additional expense to the Master Servicer. Also, at the request of a Rating Agency, the Master Servicer shall provide the information relating to the Reportable Modified Mortgage Loans substantially in the form attached hereto as Exhibit Q to such Rating Agency within a reasonable period of time; provided, however, that the Master Servicer shall not be required to provide such information more than four times in a calendar year to any Rating Agency. (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. (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, 68 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 the Series Supplement. Neither the Master Servicer nor the Trustee shall have any liability with respect to the Master Servicer's failure to properly prepare or file such periodic reports resulting from or relating to the Master Servicer's inability or failure to obtain any information not resulting from the Master Servicer's own negligence or willful misconduct. Any Form 10-K filed with the Commission in connection with this Section 4.03(e) shall include a certification, signed by the senior officer in charge of the servicing functions of the Master Servicer, in the form attached as Exhibit O 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 P. 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, 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. (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 69 Monthly Payments were not received 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 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. 70 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. (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 71 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. 72 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 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 73 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. 74 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 75 required in connection with any transfer of any such Certificate by the Company or any Affiliate thereof to the Company or an Affiliate of the Company, and the Trustee shall be entitled to conclusively rely upon a representation (which, upon the request of the Trustee, shall be a written representation) from the Company, of the status of such transferee as an Affiliate of the Company or (ii) the prospective transferee of such a Certificate shall be required to provide the Trustee, the Company and the Master Servicer with an investment letter substantially in the form of Exhibit J attached hereto (or such other form as the Company in its sole discretion deems acceptable), which investment letter shall not be an expense of the Trustee, the Company or the Master Servicer, and which investment letter states that, among other things, such transferee (A) is a "qualified institutional buyer" as defined under Rule 144A, acting for its own account or the accounts of other "qualified institutional buyers" as defined under Rule 144A, and (B) is aware that the proposed transferor intends to rely on the exemption from registration requirements under the Securities Act of 1933, as amended, provided by Rule 144A. The Holder of any such Certificate desiring to effect any such transfer, sale, pledge or other disposition shall, and does hereby agree to, indemnify the Trustee, the Company, the Master Servicer and the Certificate Registrar against any liability that may result if the transfer, sale, pledge or other disposition is not so exempt or is not made in accordance with such federal and state laws. (e) (i) In the case of any Class B or Class R Certificate presented for registration in the name of any Person, either (A) the Trustee shall require an Opinion of Counsel acceptable to and in form and substance satisfactory to the Trustee, the Company and the Master Servicer to the effect that the purchase or holding of such Class B or Class R Certificate is permissible under applicable law, will not constitute or result in any non-exempt prohibited transaction under Section 406 of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or Section 4975 of the Code (or comparable provisions of any subsequent enactments), and will not subject the Trustee, the Company or the Master Servicer to any obligation or liability (including obligations or liabilities under ERISA or Section 4975 of the Code) in addition to those undertaken in this Agreement, which Opinion of Counsel shall not be an expense of the Trustee, the Company or the Master Servicer or (B) the prospective Transferee shall be required to provide the Trustee, the Company and the Master Servicer with a certification to the effect set forth in paragraph six of Exhibit H (with respect to any Class B Certificate) or paragraph fifteen 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 76 source of funds used to purchase or hold such Certificate (or interest therein) is an "insurance company general 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), 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. (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. 77 (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. 78 (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. 79 (v) The provisions of this Section 5.02(f) set forth prior to this clause (v) may be modified, added to or eliminated, provided that there shall have been delivered to the Trustee the following: (A) written notification from each Rating Agency to the effect that the modification, addition to or elimination of such provisions will not cause such Rating Agency to downgrade its then-current ratings, if any, of any Class of the Senior, Class M or Class B Certificates below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency; and (B) subject to Section 10.01(f), an Officers' Certificate of the Master Servicer stating that the Master Servicer has received an Opinion of Counsel, in form and substance satisfactory to the Master Servicer, to the effect that such modification, addition to or absence of such provisions will not cause any portion of any REMIC formed under the Series Supplement to cease to qualify as a REMIC and will not cause (x) any portion of any REMIC formed under the Series Supplement to be subject to an entity-level tax caused by the Transfer of any Class R Certificate to a Person that is a Disqualified Organization or (y) a Certificateholder or another Person to be subject to a REMIC-related tax caused by the Transfer of a Class R Certificate to a Person that is not a Permitted Transferee. (g) No service charge shall be made for any transfer or exchange of Certificates of any Class, but the Trustee may require payment of a sum sufficient to cover any tax or governmental charge that may be imposed in connection with any transfer or exchange of Certificates. (h) All Certificates surrendered for transfer and exchange shall be destroyed by the Certificate Registrar. Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates. -------------------------------------------------- If (i) any mutilated Certificate is surrendered to the Certificate Registrar, or the Trustee and the Certificate Registrar receive evidence to their satisfaction of the destruction, loss or theft of any Certificate, and (ii) there is delivered to the Trustee and the Certificate Registrar such security or indemnity as may be required by them to save each of them harmless, then, in the absence of notice to the Trustee or the Certificate Registrar that such Certificate has been acquired by a bona fide purchaser, the Trustee shall execute and the Certificate Registrar shall authenticate and deliver, in exchange for or in lieu of any such mutilated, destroyed, lost or stolen Certificate, a new Certificate of like tenor, Class and Percentage Interest but bearing a number not contemporaneously outstanding. Upon the issuance of any new Certificate under this Section, the Trustee may require the payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in relation thereto and any other expenses (including the fees and expenses of the 80 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. 81 ARTICLE VI THE COMPANY AND THE MASTER SERVICER Section 6.01. Respective Liabilities of the Company and the Master Servicer. -------------------------------------------------------------- The Company and the Master Servicer shall each be liable in accordance herewith only to the extent of the obligations specifically and respectively imposed upon and undertaken by the Company and the Master Servicer herein. By way of illustration and not limitation, the Company is not liable for the servicing and administration of the Mortgage Loans, nor is it obligated by Section 7.01 or Section 10.01 to assume any obligations of the Master Servicer or to appoint a designee to assume such obligations, nor is it liable for any other obligation hereunder that it may, but is not obligated to, assume unless it elects to assume such obligation in accordance herewith. Section 6.02. Merger or Consolidation of the Company or the Master Servicer; Assignment of Rights and Delegation of Duties by Master Servicer. (a) The Company and the Master Servicer will each keep in full effect its existence, rights and franchises as a corporation under the laws of the state of its incorporation, and will each obtain and preserve its qualification to do business as a foreign corporation in each jurisdiction in which such qualification is or shall be necessary to protect the validity and enforceability of this Agreement, the Certificates or any of the Mortgage Loans and to perform its respective duties under this Agreement. (b) Any Person into which the Company or the Master Servicer may be merged or consolidated, or any corporation resulting from any merger or consolidation to which the Company or the Master Servicer shall be a party, or any Person succeeding to the business of the Company or the Master Servicer, shall be the successor of the Company or the Master Servicer, as the case may be, hereunder, without the execution or filing of any paper or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding; provided, however, that the successor or surviving Person to the Master Servicer shall be qualified to service mortgage loans on behalf of Fannie Mae or Freddie Mac; and provided further that each Rating Agency's ratings, if any, of the Senior, Class M or Class B Certificates in effect immediately prior to such merger or consolidation will not be qualified, reduced or withdrawn as a result thereof (as evidenced by a letter to such effect from each Rating Agency). (c) Notwithstanding anything else in this Section 6.02 and Section 6.04 to the contrary, the Master Servicer may assign its rights and delegate its duties and obligations under this Agreement; provided that the Person accepting such assignment or delegation shall be a Person which is qualified to service mortgage loans on behalf of Fannie Mae or Freddie Mac, is reasonably satisfactory to the Trustee and the Company, is willing to service the Mortgage Loans and executes and delivers to the Company and the Trustee an agreement, in form and substance reasonably satisfactory to the Company and the Trustee, which contains an assumption by such Person of the due and punctual performance and observance of each covenant and condition to be performed or observed by the Master Servicer under this Agreement; provided further that each Rating Agency's rating of the Classes of Certificates that have been rated in effect immediately 82 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. 83 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. 84 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 85 (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. 86 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 87 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 assignment of Mortgage in recordable form to transfer the Mortgage from MERS to the Trustee and to execute and deliver such other notices, documents and other instruments as may be necessary or desirable to effect a transfer of such Mortgage Loan or servicing of such Mortgage Loan on the MERS(R) System to the successor Master Servicer. The predecessor Master Servicer shall file or cause to be filed any such assignment in the appropriate recording office. The predecessor Master Servicer shall bear any and all fees of MERS, costs of preparing any assignments of Mortgage, and fees and costs of filing any assignments of Mortgage that may be required under this subsection (b). The successor Master Servicer shall cause such assignment to be delivered to the Trustee or the Custodian promptly upon receipt of the original with evidence of recording thereon or a copy certified by the public recording office in which such assignment was recorded. Section 7.03. Notification to Certificateholders. ----------------------------------- (a) Upon any such termination or appointment of a successor to the Master Servicer, the Trustee shall give prompt written notice thereof to the Certificateholders at their respective addresses appearing in the Certificate Register. (b) Within 60 days after the occurrence of any Event of Default, the Trustee shall transmit by mail to all Holders of Certificates notice of each such Event of Default hereunder known to the Trustee, unless such Event of Default shall have been cured or waived. Section 7.04. Waiver of Events of Default. The Holders representing at least 66% of the Voting Rights affected by a default or Event of Default hereunder may waive such default or Event of Default; provided, however, that (a) a default or Event of Default under clause (i) of Section 7.01 may be waived only by all of the Holders of Certificates affected by such default or Event of Default and (b) no waiver pursuant to this Section 7.04 shall affect the Holders of Certificates in the manner set forth in Section 11.01(b)(i) or (ii). Upon any such waiver of a default or Event of Default by the Holders representing the requisite percentage of Voting Rights affected by such default or Event of Default, such default or Event of Default shall cease to exist and shall be deemed to have been remedied for every purpose hereunder. No such waiver shall extend to any subsequent or other default or Event of Default or impair any right consequent thereon except to the extent expressly so waived. 88 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 89 Servicer and which on their face, do not contradict the requirements of this Agreement; (ii) The Trustee shall not be personally liable for an error of judgment made in good faith by a Responsible Officer or Responsible Officers of the Trustee, unless it shall be proved that the Trustee was negligent in ascertaining the pertinent facts; (iii) The Trustee shall not be personally liable with respect to any action taken, suffered or omitted to be taken by it in good faith in accordance with the direction of Certificateholders of any Class holding Certificates which evidence, as to such Class, Percentage Interests aggregating not less than 25% as to the time, method and place of conducting any proceeding for any remedy available to the Trustee, or exercising any trust or power conferred upon the Trustee, under this Agreement; (iv) The Trustee shall not be charged with knowledge of any default (other than a default in payment to the Trustee) specified in clauses (i) and (ii) of Section 7.01 or an Event of Default under clauses (iii), (iv) and (v) of Section 7.01 unless a Responsible Officer of the Trustee assigned to and working in the Corporate Trust Office obtains actual knowledge of such failure or event or the Trustee receives written notice of such failure or event at its Corporate Trust Office from the Master Servicer, the Company or any Certificateholder; and (v) Except to the extent provided in Section 7.02, no provision in this Agreement shall require the Trustee to expend or risk its own funds (including, without limitation, the making of any Advance) or otherwise incur any personal financial liability in the performance of any of its duties as Trustee hereunder, or in the exercise of any of its rights or powers, if the Trustee shall have reasonable grounds for believing that repayment of funds or adequate indemnity against such risk or liability is not reasonably assured to it. (d) The Trustee shall timely pay, from its own funds, the amount of any and all federal, state and local taxes imposed on the Trust Fund or its assets or transactions including, without limitation, (A) "prohibited transaction" penalty taxes as defined in Section 860F of the Code, if, when and as the same shall be due and payable, (B) any tax on contributions to a REMIC after the Closing Date imposed by Section 860G(d) of the Code and (C) any tax on "net income from foreclosure property" as defined in Section 860G(c) of the Code, but only if such taxes arise out of a breach by the Trustee of its obligations hereunder, which breach constitutes negligence or willful misconduct of the Trustee. Section 8.02. Certain Matters Affecting the Trustee. ------------------------------------- (a) Except as otherwise provided in Section 8.01: (i) The Trustee may rely and shall be protected in acting or refraining from acting upon any resolution, Officers' Certificate, certificate of auditors or any other certificate, statement, instrument, opinion, report, notice, request, consent, order, appraisal, bond or other paper or document believed by it to be genuine and to have been signed or presented by the proper party or parties; 90 (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 91 laws, provided that the Master Servicer shall indemnify the Trustee for signing any such Tax Returns that contain errors or omissions. (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. 92 (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 93 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, 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 94 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. 95 (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 96 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. 97 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. 98 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 99 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 not have been surrendered for cancellation, the Trustee shall pay to the Master 100 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; 101 (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. 102 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. 103 (e) The REMIC Administrator shall provide (i) to any Transferor of a Class R Certificate such information as is necessary for the application of any tax relating to the transfer of a Class R Certificate to any Person who is not a Permitted Transferee, (ii) to the Trustee, and the Trustee shall forward to the Certificateholders, such information or reports as are required by the Code or the REMIC Provisions including reports relating to interest, original issue discount and market discount or premium (using the Prepayment Assumption) and (iii) to the Internal Revenue Service the name, title, address and telephone number of the person who will serve as the representative of each REMIC. (f) The Master Servicer and the REMIC Administrator shall take such actions and shall cause each REMIC created hereunder to take such actions as are reasonably within the Master Servicer's or the REMIC Administrator's control and the scope of its duties more specifically set forth herein as shall be necessary or desirable to maintain the status of each REMIC as a REMIC under the REMIC Provisions (and the Trustee shall assist the Master Servicer and the REMIC Administrator, to the extent reasonably requested by the Master Servicer and the REMIC Administrator to do so). The Master Servicer and the REMIC Administrator shall not knowingly or intentionally take any action, cause the Trust Fund to take any action or fail to take (or fail to cause to be taken) any action reasonably within their respective control that, under the REMIC Provisions, if taken or not taken, as the case may be, could (i) endanger the status of any portion of any REMIC formed under the Series Supplement as a REMIC or (ii) result in the imposition of a tax upon any such REMIC (including but not limited to the tax on prohibited transactions as defined in Section 860F(a)(2) of the Code and the tax on contributions to a REMIC set forth in Section 860G(d) of the Code) (either such event, in the absence of an Opinion of Counsel or the indemnification referred to in this sentence, an "Adverse REMIC Event") unless the Master Servicer or the REMIC Administrator, as applicable, has received an Opinion of Counsel (at the expense of the party seeking to take such action or, if such party fails to pay such expense, and the Master Servicer or the REMIC Administrator, as applicable, determines that taking such action is in the best interest of the Trust Fund and the Certificateholders, at the expense of the Trust Fund, but in no event at the expense of the Master Servicer, the REMIC Administrator or the Trustee) to the effect that the contemplated action will not, with respect to each REMIC created hereunder, endanger such status or, unless the Master Servicer, the REMIC Administrator or both, as applicable, determine in its or their sole discretion to indemnify the Trust Fund against the imposition of such a tax, result in the imposition of such a tax. Wherever in this Agreement a contemplated action may not be taken because the timing of such action might result in the imposition of a tax on the Trust Fund, or may only be taken pursuant to an Opinion of Counsel that such action would not impose a tax on the Trust Fund, such action may nonetheless be taken provided that the indemnity given in the preceding sentence with respect to any taxes that might be imposed on the Trust Fund has been given and that all other preconditions to the taking of such action have been satisfied. The Trustee shall not take or fail to take any action (whether or not authorized hereunder) as to which the Master Servicer or the REMIC Administrator, as applicable, has advised it in writing that it has received an Opinion of Counsel to the effect that an Adverse REMIC Event could occur with respect to such action. In addition, prior to taking any action with respect to any REMIC created hereunder or any related assets thereof, or causing any such REMIC to take any action, which is not expressly permitted under the terms of this Agreement, the Trustee will consult with the Master Servicer or the REMIC Administrator, as applicable, or its designee, in writing, with respect to whether such action could cause an 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 104 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. 105 (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. 106 (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. 107 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 108 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 (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 109 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 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. 110 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. 111 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, (i) shall notify each Rating Agency 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, (ii) shall notify 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)(1), (g)(1), or (i) below, or (iii) 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) (1) the termination or appointment of a successor Master Servicer or (2) the termination or appointment of a successor 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) (1) a change in the location of the Custodial Account or (2) a change in the location of 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, if applicable, of any such event known to the Master Servicer. 112 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. 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. 113 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.] 1 Certificate No. [ %][Variable] Pass-Through Rate -------- -------- [based on a Notional Amount] Class A- Senior Date of Pooling and Servicing [Percentage Interest: %] ------ Agreement and Cut-off Date: ___________ 1, ____ Aggregate Initial [Certificate Principal Balance] [[Interest Only/Class A-V] Notional First Distribution Date: Amount] [Subclass Notional Amount] of the _________ 25, ____ Class A- Certificates: ---- Master Servicer: [Initial] [Certificate Principal Residential Funding Balance] [Interest Only/Class A-V] [Subclass] Corporation Notional Amount] of this Certificate: $ ] Assumed Final Distribution Date: CUSIP 76110F- ___________ 25, ____ MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE SERIES ____-___ evidencing a percentage interest in the distributions allocable to the Class A- Certificates with respect to a Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate first mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS, INC. This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Residential Accredit Loans, Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group, Inc. or any of their affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the Trustee or GMAC Mortgage Group, Inc. or any of their affiliates. None of the Company, the Master Servicer, GMAC Mortgage Group, Inc. or any of their affiliates will have any obligation with respect to any certificate or other obligation secured by or payable from payments on the Certificates. This certifies that _________________ is the registered owner of the Percentage Interest evidenced by this Certificate [(obtained by dividing the [Initial Certificate Principal Balance] [Initial [Interest Only/Class A-V] Notional Amount] of this Certificate by the aggregate [Initial Certificate Principal Balance of all Class A- Certificates] [Initial [Interest Only/Class A-V] Notional Amounts of all [Interest Only/Class A-V] Certificates], both as specified above)] in certain distributions with respect to the Trust Fund consisting primarily of an interest in a pool of conventional one- to four-family fixed interest rate first mortgage loans (the "Mortgage Loans"), formed and sold by Residential Accredit Loans, Inc. (hereinafter called the "Company," which term includes any successor entity under the Agreement referred to below). The Trust Fund was created pursuant to a Pooling and Servicing 2 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 3 reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders. As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Company and the Master Servicer of advances made, or certain expenses incurred, by either of them. The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Company, the Master Servicer and the Trustee and the rights of the Certificateholders under the Agreement at any time by the Company, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon the Certificate. The Agreement also permits the amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of Certificates. As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Trustee in the City and State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Company, the Master Servicer, the Trustee and the Certificate Registrar and any agent of the Company, the Master Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name this Certificate is 4 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. 5 IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: [_________________________], as Trustee By: --------------------------------- Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Class A- Certificates referred to in the within-mentioned Agreement. [---------------------------], as Certificate Registrar By: --------------------------------- Authorized Signatory 6 A-1 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. 7 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, OR ANY OTHER PERSON, 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, 1 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) (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. 2 Certificate No. [ ]% Pass-Through Rate Class M- Subordinate Aggregate Certificate Principal Balance Date of Pooling and Servicing of the Class M Certificates: Agreement and Cut-off Date: $ ___________ 1, ____ Initial Certificate Principal First Distribution Date: Balance of this Certificate: _________ 25, ____ $ Master Servicer: CUSIP: 76110F- Residential Funding Corporation Assumed Final Distribution Date: ___________ 25, ____ MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE, SERIES ____-___ evidencing a percentage interest in any distributions allocable to the Class M- Certificates with respect to the Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate first mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS, INC. This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Residential Accredit Loans, Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group, Inc. or any of their affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the Trustee or GMAC Mortgage Group, Inc. or any of their affiliates. None of the Company, the Master Servicer, GMAC Mortgage Group, Inc. or any of their affiliates will have any obligation with respect to any certificate or other obligation secured by or payable from payments on the Certificates. This certifies that _______________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Certificate Principal Balance of this Certificate by the aggregate Certificate Principal Balance of all Class M- Certificates, both as specified above) in certain distributions with respect to a Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate first mortgage loans (the "Mortgage Loans"), formed and sold by Residential Accredit Loans, Inc. (hereinafter called the "Company," which term includes any successor entity under the Agreement referred to below). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as specified above (the "Agreement") among the Company, the Master Servicer and __________________, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereafter. To the extent not defined herein, the capitalized terms used 3 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 4 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 5 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. 6 IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: [____________________________], as Trustee By: --------------------------------- Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Class M- Certificates referred to in the within-mentioned Agreement. [-------------------------], as Certificate Registrar By: --------------------------------- Authorized Signatory 7 ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto________________________________________ (Please print or typewrite name and address including postal zip code of assignee) a Percentage Interest evidenced by the within Mortgage Asset-Backed Pass-Through Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund. I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address: _______________________________ Dated: ________________________ Signature by or on behalf of assignor _______________________________ Signature Guaranteed DISTRIBUTION INSTRUCTIONS The assignee should include the following for purposes of distribution: Distributions shall be made, by wire transfer or otherwise, in immediately available funds to _______________________ for the account of __________________________ account number _________________, or, if mailed by check, to ________________________. Applicable statements should be mailed to ___________________________. This information is provided by ______________________, the assignee named above, or ___________________, as its agent. 8 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. 1 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 2 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 3 letter, in the form as described by Section 5.02(e) of the Agreement, either stating that the transferee is not an employee benefit or other plan subject to the prohibited transaction provisions of ERISA or Section 4975 of the Code (a "Plan"), or any other person (including an investment manager, a named fiduciary or a trustee of any Plan) acting, directly or indirectly, on behalf of or purchasing any Certificate with "plan assets" of any Plan, or stating that the transferee is an insurance company, the source of funds to be used by it to purchase the Certificate is an "insurance company general account" (within the meaning of Department of Labor Prohibited Transaction Class Exemption ("PTCE") 95-60), and the purchase is being made in reliance upon the availability of the exemptive relief afforded under Sections I and III of PTCE 95-60. This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Mortgage Asset-Backed Pass-Through Certificates of the Series specified hereon (herein collectively called the "Certificates"). The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders. As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Company and the Master Servicer of advances made, or certain expenses incurred, by either of them. The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Company, the Master Servicer and the Trustee and the rights of the Certificateholders under the Agreement at any time by the Company, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon the Certificate. The Agreement also permits the amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of Certificates. As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Trustee in the City and State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new 4 Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Company, the Master Servicer, the Trustee and the Certificate Registrar and any agent of the Company, the Master Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Company, the Master Servicer, the Trustee nor any such agent shall be affected by notice to the contrary. This Certificate shall be governed by and construed in accordance with the laws of the State of New York. The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the maturity or other liquidation of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer from the Trust Fund of all remaining Mortgage Loans and all property acquired in respect of such Mortgage Loans, thereby effecting early retirement of the Certificates. The Agreement permits, but does not require, the Master Servicer to (i) purchase at a price determined as provided in the Agreement all remaining Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii) purchase in whole, but not in part, all of the Certificates from the Holders thereof; provided, that any such option may only be exercised if the Pool Stated Principal Balance of the Mortgage Loans as of the Distribution Date upon which the proceeds of any such purchase are distributed is less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans. Unless the certificate of authentication hereon has been executed by the Certificate Registrar, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. 5 IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: [_____________________________], as Trustee By: --------------------------------- Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Class M- Certificates referred to in the within-mentioned Agreement. [---------------------------], as Certificate Registrar By: --------------------------------- Authorized Signatory 6 ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto________________________________________ (Please print or typewrite name and address including postal zip code of assignee) a Percentage Interest evidenced by the within Mortgage Asset-Backed Pass-Through Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund. I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address: _______________________________ Dated: ________________________ Signature by or on behalf of assignor _______________________________ Signature Guaranteed DISTRIBUTION INSTRUCTIONS The assignee should include the following for purposes of distribution: Distributions shall be made, by wire transfer or otherwise, in immediately available funds to _______________________ for the account of __________________________ account number _________________, or, if mailed by check, to ________________________. Applicable statements should be mailed to ___________________________. This information is provided by ______________________, the assignee named above, or ___________________, as its agent. 7 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 1 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. 2 This certifies that is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Initial Certificate Principal Balance of this Certificate by the aggregate Initial Certificate Principal Balance of all Class R Certificates, both as specified above) in certain distributions with respect to the Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate first mortgage loans (the "Mortgage Loans"), formed and sold by Residential Accredit Loans, Inc. (hereinafter called the "Company," which term includes any successor entity under the Agreement referred to below). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as specified above (the "Agreement") among the Company, the Master Servicer and __________________, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereafter. To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing as described in the Agreement, to the Person in whose name this Certificate is registered at the close of business on the last day (or if such last day is not a Business Day, the Business Day immediately preceding such last day) of the month immediately preceding the month of such distribution (the "Record Date"), from the Available Distribution Amount in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount (of interest and principal, if any) required to be distributed to Holders of Class R Certificates on such Distribution Date. Each Holder of this Certificate will be deemed to have agreed to be bound by the restrictions set forth in the Agreement to the effect that (i) each person holding or acquiring any Ownership Interest in this Certificate must be a United States Person and a Permitted Transferee, (ii) the transfer of any Ownership Interest in this Certificate will be conditioned upon the delivery to the Trustee of, among other things, an affidavit to the effect that it is a United States Person and Permitted Transferee, (iii) any attempted or purported transfer of any Ownership Interest in this Certificate in violation of such restrictions will be absolutely null and void and will vest no rights in the purported transferee, and (iv) if any person other than a United States Person and a Permitted Transferee acquires any Ownership Interest in this Certificate in violation of such restrictions, then the Company will have the right, in its sole discretion and without notice to the Holder of this Certificate, to sell this Certificate to a purchaser selected by the Company, which purchaser may be the Company, or any affiliate of the Company, on such terms and conditions as the Company may choose. Notwithstanding the above, the final distribution on this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Trustee for that purpose in the City and State of New York. The Initial Certificate Principal Balance of this Certificate is set forth above. The Certificate Principal Balance hereof will be reduced to the extent of distributions allocable to principal and any Realized Losses allocable hereto. Notwithstanding the reduction of the Certificate Principal Balance hereof to zero, this Certificate will remain outstanding under the Agreement and the 3 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. 4 As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Trustee in the City and State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Company, the Master Servicer, the Trustee and the Certificate Registrar and any agent of the Company, the Master Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Company, the Master Servicer, the Trustee nor any such agent shall be affected by notice to the contrary. This Certificate shall be governed by and construed in accordance with the laws of the State of New York. The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the maturity or other liquidation of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer from the Trust Fund of all remaining Mortgage Loans and all property acquired in respect of such Mortgage Loans, thereby effecting early retirement of the Certificates. The Agreement permits, but does not require, the Master Servicer to (i) purchase at a price determined as provided in the Agreement all remaining Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii) purchase in whole, but not in part, all of the Certificates from the Holders thereof; provided, that any such option may only be exercised if the Pool Stated Principal Balance of the Mortgage Loans as of the Distribution Date upon which the proceeds of any such purchase are distributed is less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purpose have the same effect as if set forth at this place. 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. 5 IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: [____________________________], as Trustee By: --------------------------------- Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Class R Certificates referred to in the within-mentioned Agreement. [----------------------------], as Certificate Registrar By: --------------------------------- Authorized Signatory 6 ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto________________________________________ (Please print or typewrite name and address including postal zip code of assignee) a Percentage Interest evidenced by the within Mortgage Asset-Backed Pass-Through Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund. I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address: _______________________________ Dated: ________________________ Signature by or on behalf of assignor _______________________________ Signature Guaranteed DISTRIBUTION INSTRUCTIONS The assignee should include the following for purposes of distribution: Distributions shall be made, by wire transfer or otherwise, in immediately available funds to _______________________ for the account of __________________________ account number _________________, or, if mailed by check, to ________________________. Applicable statements should be mailed to ___________________________. This information is provided by ______________________, the assignee named above, or ___________________, as its agent. 7 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 (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. 2 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. 3 This Contract, including all documents incorporated by reference herein, constitutes the entire understanding between the parties hereto and supersedes all other agreements, covenants, representations, warranties, understandings and communications between the parties, whether written or oral, with respect to the transactions contemplated by this Contract. All paragraph headings contained herein are for convenience only and shall not be construed as part of this Contract. Any provision of this Contract that is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining portions hereof or affecting the validity or enforceability of such provision in any other jurisdiction, and, to this end, the provisions hereof are severable. This Contract shall be governed by, and construed and enforced in accordance with, applicable federal laws and the laws of the State of Minnesota. 4 IN WITNESS WHEREOF, the duly authorized officers of the Seller/Servicer and Residential Funding have executed this Seller/Servicer Contract as of the date first above written. ATTEST: SELLER/SERVICER [Corporate Seal] (Name of Seller/Servicer) By: By: -------------------------------- (Signature) (Signature) By: By: (Typed Name) (Typed Name) Title: Title: ------------------------------ ======================================= ======================================== ATTEST: RESIDENTIAL FUNDING CORPORATION [Corporate Seal] By: By: -------------------------------- (Signature) (Signature) By: By: (Typed Name) (Typed Name) Title: Title: ------------------------------ 5 EXHIBIT F FORMS OF REQUEST FOR RELEASE DATE: TO: RE: REQUEST FOR RELEASE OF DOCUMENTS In connection with the administration of the pool of Mortgage Loans held by you for the referenced pool, we request the release of the Mortgage Loan File described below. Pooling and Servicing Agreement Dated: Series#: Account#: Pool#: Loan#: MIN#: Borrower Name(s): Reason for Document Request: (circle one) Mortgage Loan Prepaid in Full Mortgage Loan Repurchased "We hereby certify that all amounts received or to be received in connection with such payments which are required to be deposited have been or will be so deposited as provided in the Pooling and Servicing Agreement." Residential Funding Corporation Authorized Signature ****************************************************************************** TO CUSTODIAN/TRUSTEE: Please acknowledge this request, and check off documents being enclosed with a copy of this form. You should retain this form for your files in accordance with the terms of the Pooling and Servicing Agreement. Enclosed Documents: [ ] Promissory Note [ ] Primary Insurance Policy [ ] Mortgage or Deed of Trust [ ] Assignment(s) of Mortgage or Deed of Trust [ ] Title Insurance Policy [ ] Other: Name: ------------------------ Title: ----------------------- Date: ------------------------ 1 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 1 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 Code or 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. 2 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 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. 3 IN WITNESS WHEREOF, the Owner has caused this instrument to be executed on its behalf, pursuant to the authority of its Board of Directors, by its [Title of Officer] and its corporate seal to be hereunto attached, attested by its [Assistant] Secretary, this day of , 200 . [NAME OF OWNER] 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 . 4 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. 5 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 6 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 7 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 8 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 * * * 9 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 (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 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 10 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: ------------------------------ 11 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. 1 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 2 (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: ------------------------------ 3 EXHIBIT I FORM OF TRANSFEROR REPRESENTATION LETTER ___________, 20 ___ Residential Accredit Loans, Inc. 8400 Normandale Lake Boulevard Suite 250 Minneapolis, MN 55437 ================== ------------------ Attention: Residential Funding Corporation Series ____-___ Re: Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, [Class B-] Ladies and Gentlemen: In connection with the sale by (the "Seller") to (the "Purchaser") of $ Initial Certificate Principal Balance of Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, Class (the "Certificates"), issued pursuant to the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of ___________ 1, ____ among Residential Accredit Loans, Inc., as seller (the "Company"), Residential Funding Corporation, as master servicer, and __________________, as trustee (the "Trustee"). The Seller hereby certifies, represents and warrants to, and covenants with, the Company and the Trustee that: Neither the Seller nor anyone acting on its behalf has (a) offered, pledged, sold, disposed of or otherwise transferred any Certificate, any interest in any Certificate or any other similar security to any person in any manner, (b) has solicited any offer to buy or to accept a pledge, disposition or other transfer of any Certificate, any interest in any Certificate or any other similar security from any person in any manner, (c) has otherwise approached or negotiated with respect to any Certificate, any interest in any Certificate or any other similar security with any person in any manner, (d) has made any general solicitation by means of general advertising or in any other manner, or (e) has taken any other action, that (as to any of (a) through (e) above) would constitute a distribution of the Certificates under the Securities Act of 1933 (the "Act"), that would render the disposition of any Certificate a violation of Section 5 of the Act or any state securities law, or that would require registration or qualification pursuant thereto. The Seller will not act, in any manner set forth in the foregoing sentence with respect to any Certificate. The Seller has not and will not sell or otherwise transfer any of the Certificates, except in compliance with the provisions of the Pooling and Servicing Agreement. 1 Very truly yours, (Seller) By: --------------------------------- Name: ------------------------------- Title: ------------------------------ 2 EXHIBIT J [FORM OF RULE 144A INVESTMENT REPRESENTATION] Description of Rule 144A Securities, including numbers: ____________________________________________________________________________ The undersigned seller, as registered holder (the "Seller"), intends to transfer the Rule 144A Securities described above to the undersigned buyer (the "Buyer"). 1. In connection with such transfer and in accordance with the agreements pursuant to which the Rule 144A Securities were issued, the Seller hereby certifies the following facts: Neither the Seller nor anyone acting on its behalf has offered, transferred, pledged, sold or otherwise disposed of the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security to, or solicited any offer to buy or accept a transfer, pledge or other disposition of the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security from, or otherwise approached or negotiated with respect to the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security with, any person in any manner, or made any general solicitation by means of general advertising or in any other manner, or taken any other action, that would constitute a distribution of the Rule 144A Securities under the Securities Act of 1933, as amended (the "1933 Act"), or that would render the disposition of the Rule 144A Securities a violation of Section 5 of the 1933 Act or require registration pursuant thereto, and that the Seller has not offered the Rule 144A Securities to any person other than the Buyer or another "qualified institutional buyer" as defined in Rule 144A under the 1933 Act. 2. The Buyer warrants and represents to, and covenants with, the Seller, the Trustee and the Master Servicer (as defined in the Pooling and Servicing Agreement (the "Agreement"), dated as of ___________ 1, ____ among Residential Funding Corporation as Master Servicer, Residential Accredit Loans, Inc. as depositor pursuant to Section 5.02 of the Agreement and __________________, as trustee, as follows: (a) The Buyer understands that the Rule 144A Securities have not been registered under the 1933 Act or the securities laws of any state. (b) The Buyer considers itself a substantial, sophisticated institutional investor having such knowledge and experience in financial and business matters that it is capable of evaluating the merits and risks of investment in the Rule 144A Securities. 1 (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 2 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: ---------------------------------------- 3 ANNEX 1 TO EXHIBIT J QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A [For Buyers Other Than Registered Investment Companies] The undersigned hereby certifies as follows in connection with the Rule 144A Investment Representation to which this Certification is attached: 1. As indicated below, the undersigned is the President, Chief Financial Officer, Senior Vice President or other executive officer of the Buyer. 2. In connection with purchases by the Buyer, the Buyer is a "qualified institutional buyer" as that term is defined in Rule 144A under the Securities Act of 1933 ("Rule 144A") because (i) the Buyer owned and/or invested on a discretionary basis $ in securities (except for the excluded securities referred to below) as of the end of the Buyer's most recent fiscal year (such amount being calculated in accordance with Rule 144A) and (ii) the Buyer satisfies the criteria in the category marked below. -- Corporation, etc. The Buyer is a corporation (other than a bank, savings and loan association or similar institution), Massachusetts or similar business trust, partnership, or charitable organization described in Section 501(c)(3) of the Internal Revenue Code. -- Bank. The Buyer (a) is a national bank or banking institution organized under the laws of any State, territory or the District of Columbia, the business of which is substantially confined to banking and is supervised by the State or territorial banking commission or similar official or is a foreign bank or equivalent institution, and (b) has an audited net worth of at least $25,000,000 as demonstrated in its latest annual financial statements, a copy of which is attached hereto. -- Savings and Loan. The Buyer (a) is a savings and loan association, building and loan association, cooperative bank, homestead association or similar institution, which is supervised and examined by a State or Federal authority having supervision over any such institutions or is a foreign savings and loan association or equivalent institution and (b) has an audited net worth of at least $25,000,000 as demonstrated in its latest annual financial statements. -- Broker-Dealer. The Buyer is a dealer registered pursuant to Section 15 of the Securities Exchange Act of 1934. -- Insurance Company. The Buyer is an insurance company whose primary and predominant business activity is the writing of insurance or the reinsuring of risks underwritten by insurance companies and which is subject to supervision by the insurance commissioner or a similar official or agency of a State or territory or the District of Columbia. 1 -- 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. 2 Will the Buyer be purchasing the Rule 144A Yes No Securities only for the Buyer's own account? 6. If the answer to the foregoing question is "no", the Buyer agrees that, in connection with any purchase of securities sold to the Buyer for the account of a third party (including any separate account) in reliance on Rule 144A, the Buyer will only purchase for the account of a third party that at the time is a "qualified institutional buyer" within the meaning of Rule 144A. In addition, the Buyer agrees that the Buyer will not purchase securities for a third party unless the Buyer has obtained a current representation letter from such third party or taken other appropriate steps contemplated by Rule 144A to conclude that such third party independently meets the definition of "qualified institutional buyer" set forth in Rule 144A. 7. The Buyer will notify each of the parties to which this certification is made of any changes in the information and conclusions herein. Until such notice is given, the Buyer's purchase of Rule 144A Securities will constitute a reaffirmation of this certification as of the date of such purchase. Print Name of Buyer By: ------------------------------- Name: Title: Date: ------------------------------- 3 ANNEX 2 TO EXHIBIT J QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A [For Buyers That Are Registered Investment Companies] The undersigned hereby certifies as follows in connection with the Rule 144A Investment Representation to which this Certification is attached: 8. As indicated below, the undersigned is the President, Chief Financial Officer or Senior Vice President of the Buyer or, if the Buyer is a "qualified institutional buyer" as that term is defined in Rule 144A under the Securities Act of 1933 ("Rule 144A") because Buyer is part of a Family of Investment Companies (as defined below), is such an officer of the Adviser. 9. In connection with purchases by Buyer, the Buyer is a "qualified institutional buyer" as defined in SEC Rule 144A because (i) the Buyer is an investment company registered under the Investment Company Act of 1940, and (ii) as marked below, the Buyer alone, or the Buyer's Family of Investment Companies, owned at least $100,000,000 in securities (other than the excluded securities referred to below) as of the end of the Buyer's most recent fiscal year. For purposes of determining the amount of securities owned by the Buyer or the Buyer's Family of Investment Companies, the cost of such securities was used. -- The Buyer owned $ in securities (other than the excluded securities referred to below) as of the end of the Buyer's most recent fiscal year (such amount being calculated in accordance with Rule 144A). -- The Buyer is part of a Family of Investment Companies which owned in the aggregate $ in securities (other than the excluded securities referred to below) as of the end of the Buyer's most recent fiscal year (such amount being calculated in accordance with Rule 144A). 10. The term "Family of Investment Companies" as used herein means two or more registered investment companies (or series thereof) that have the same investment adviser or investment advisers that are affiliated (by virtue of being majority owned subsidiaries of the same parent or because one investment adviser is a majority owned subsidiary of the other). 11. The term "securities" as used herein does not include (i) securities of issuers that are affiliated with the Buyer or are part of the Buyer's Family of Investment Companies, (ii) bank deposit notes and certificates of deposit, (iii) loan participations, (iv) repurchase agreements, (v) securities owned but subject to a repurchase agreement and (vi) currency, interest rate and commodity swaps. 12. The Buyer is familiar with Rule 144A and understands that each of the parties to which this certification is made are relying and will continue to rely on the statements made herein because one or more sales to the Buyer will be in reliance on Rule 144A. In addition, the Buyer will only purchase for the Buyer's own account. 4 13. The undersigned will notify each of the parties to which this certification is made of any changes in the information and conclusions herein. Until such notice, the Buyer's purchase of Rule 144A Securities will constitute a reaffirmation of this certification by the undersigned as of the date of such purchase. Print Name of Buyer By: ------------------------------ Name: ------------------------- Title: ------------------------ IF AN ADVISER: Print Name of Buyer Date: ------------------------------ 5 EXHIBIT K [TEXT OF AMENDMENT TO POOLING AND SERVICING AGREEMENT PURSUANT TO SECTION 11.01(E) FOR A LIMITED GUARANTY] ARTICLE XII Subordinate Certificate Loss Coverage; Limited Guaranty Section 12.01. Subordinate Certificate Loss Coverage; Limited Guaranty. (a) Subject to subsection (c) below, prior to the later of the third Business Day prior to each Distribution Date or the related Determination Date, the Master Servicer shall determine whether it or any Sub-Servicer will be entitled to any reimbursement pursuant to Section 4.02(a) on such Distribution Date for Advances or Sub-Servicer Advances previously made, (which will not be Advances or Sub-Servicer Advances that were made with respect to delinquencies which were subsequently determined to be Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses or Extraordinary Losses) and, if so, the Master Servicer shall demand payment from Residential Funding of an amount equal to the amount of any Advances or Sub-Servicer Advances reimbursed pursuant to Section 4.02(a), to the extent such Advances or Sub-Servicer Advances have not been included in the amount of the Realized Loss in the related Mortgage Loan, and shall distribute the same to the Class B Certificateholders in the same manner as if such amount were to be distributed pursuant to Section 4.02(a). (b) Subject to subsection (c) below, prior to the later of the third Business Day prior to each Distribution Date or the related Determination Date, the Master Servicer shall determine whether any Realized Losses (other than Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses and Extraordinary Losses) will be allocated to the Class B Certificates on such Distribution Date pursuant to Section 4.05, and, if so, the Master Servicer shall demand payment from Residential Funding of the amount of such Realized Loss and shall distribute the same to the Class B Certificateholders in the same manner as if such amount were to be distributed pursuant to Section 4.02(a); provided, however, that the amount of such demand in respect of any Distribution Date shall in no event be greater than the sum of (i) the additional amount of Accrued Certificate Interest that would have been paid for the Class B Certificateholders on such Distribution Date had such Realized Loss or Losses not occurred plus (ii) the amount of the reduction in the Certificate Principal Balances of the Class B Certificates on such Distribution Date due to such Realized Loss or Losses. Notwithstanding such payment, such Realized Losses shall be deemed to have been borne by the Certificateholders for purposes of Section 4.05. Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses and Extraordinary Losses allocated to the Class B Certificates will not be covered by the Subordinate Certificate Loss Obligation. (c) Demands for payments pursuant to this Section shall be made prior to the later of the third Business Day prior to each Distribution Date or the related Determination Date by the Master Servicer with written notice thereof to the Trustee. The maximum amount that Residential Funding shall be required to pay pursuant to this Section on any Distribution Date (the "Amount Available") shall be equal to the lesser of (X) minus the sum of (i) all previous payments made under subsections (a) and (b) hereof and (ii) all draws 1 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 2 Obligation pursuant to this Section shall be accompanied by a written Opinion of Counsel to the substitute guarantor or obligor, addressed to the Master Servicer and the Trustee, that such substitute instrument constitutes a legal, valid and binding obligation of the substitute guarantor or obligor, enforceable in accordance with its terms, and concerning such other matters as the Master Servicer and the Trustee shall reasonably request. Neither the Company, the Master Servicer nor the Trustee shall be obligated to substitute for or replace the Limited Guaranty or Subordinate Certificate Loss Obligation under any circumstance. Section 12.02. Amendments Relating to the Limited Guaranty. Notwithstanding Sections 11.01 or 12.01: (i) the provisions of this Article XII may be amended, superseded or deleted, (ii) the Limited Guaranty or Subordinate Certificate Loss Obligation may be amended, reduced or canceled, and (iii) any other provision of this Agreement which is related or incidental to the matters described in this Article XII may be amended in any manner; in each case by written instrument executed or consented to by the Company and Residential Funding but without the consent of any Certificateholder and without the consent of the Master Servicer or the Trustee being required unless any such amendment would impose any additional obligation on, or otherwise adversely affect the interests of, the Master Servicer or the Trustee, as applicable; provided that the Company shall also obtain a letter from each nationally recognized credit rating agency that rated the Class B Certificates at the request of the Company to the effect that such amendment, reduction, deletion or cancellation will not lower the rating on the Class B Certificates below the lesser of (a) the then-current rating assigned to the Class B Certificates by such rating agency and (b) the original rating assigned to the Class B Certificates by such rating agency, unless (A) the Holder of 100% of the Class B Certificates is Residential Funding or an Affiliate of Residential Funding, or (B) such amendment, reduction, deletion or cancellation is made in accordance with Section 11.01(e) and, provided further that the Company obtains (subject to the provisions of Section 10.01(f) as if the Company was substituted for the Master Servicer solely for the purposes of such provision), in the case of a material amendment or supercession (but not a reduction, cancellation or deletion of the Limited Guaranty or the Subordinate Certificate Loss Obligation), an Opinion of Counsel (which need not be an opinion of Independent counsel) to the effect that any such amendment or supercession will not cause either (a) any federal tax to be imposed on the Trust Fund, including without limitation, any federal tax imposed on "prohibited transactions" under Section 860F(a)(1) of the Code or on "contributions after the startup date" under Section 860G(d)(1) of the Code or (b) the Trust Fund to fail to qualify as a REMIC at any time that any Certificate is outstanding. A copy of any such instrument shall be provided to the Trustee and the Master Servicer together with an Opinion of Counsel that such amendment complies with this Section 12.02. 3 EXHIBIT L [FORM OF LIMITED GUARANTY] LIMITED GUARANTY RESIDENTIAL ACCREDIT LOANS, INC. Mortgage Asset-Backed Pass-Through Certificates Series ____-___ ______________, 200 ___ ================== ------------------ Attention: Residential Funding Corporation Series ____-___ Ladies and Gentlemen: WHEREAS, Residential Funding Corporation, a Delaware corporation ("Residential Funding"), an indirect wholly-owned subsidiary of General Motors Acceptance Corporation, a New York corporation ("GMAC"), plans to incur certain obligations as described under Section 12.01 of the Pooling and Servicing Agreement dated as of ___________ 1, ____ (the "Servicing Agreement"), among Residential Accredit Loans, Inc. (the "Company"), Residential Funding and __________________ (the "Trustee") as amended by Amendment No. ------ thereto, dated as of , with respect to the Mortgage Asset-Backed Pass-Through Certificates, ---------------- Series ____-___ (the "Certificates"); and WHEREAS, pursuant to Section 12.01 of the Servicing Agreement, Residential Funding agrees to make payments to the Holders of the Class B Certificates with respect to certain losses on the Mortgage Loans as described in the Servicing Agreement; and WHEREAS, GMAC desires to provide certain assurances with respect to the ability of Residential Funding to secure sufficient funds and faithfully to perform its Subordinate Certificate Loss Obligation; NOW THEREFORE, in consideration of the premises herein contained and certain other good and valuable consideration, the receipt of which is hereby acknowledged, GMAC agrees as follows: 1. Provision of Funds. (a) GMAC agrees to contribute and deposit in the Certificate Account on behalf of Residential Funding (or otherwise provide to Residential Funding, or to cause to be made available to Residential Funding), either directly or through a subsidiary, in any case prior to the related 1 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. 2 IN WITNESS WHEREOF, GMAC has caused this Limited Guaranty to be executed and delivered by its respective officers thereunto duly authorized as of the day and year first above written. GENERAL MOTORS ACCEPTANCE CORPORATION By: -------------------------------- Name: ------------------------------ Title: ----------------------------- Acknowledged by: ------------------, as Trustee By: ------------------------------------------------ Name: ---------------------------------------------- Title: --------------------------------------------- RESIDENTIAL ACCREDIT LOANS, INC. By: ------------------------------------------------ Name: ---------------------------------------------- Title: --------------------------------------------- 3 EXHIBIT M FORM OF LENDER CERTIFICATION FOR ASSIGNMENT OF MORTGAGE LOAN , 20 -------------------- -------- Residential Accredit Loans, Inc. 8400 Normandale Lake Boulevard Suite 250 Minneapolis, Minnesota 55437 ================== ------------------ Attention: Residential Funding Corporation Series ____-___ Re: Mortgage Asset-Backed Pass-Through Certificates, Series ____-___ Assignment of Mortgage Loan Ladies and Gentlemen: This letter is delivered to you in connection with the assignment by (the "Trustee") to (the "Lender") of (the "Mortgage Loan") pursuant to Section 3.13(d) of the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of ___________ 1, ____ among Residential Accredit Loans, Inc., as seller (the "Company"), Residential Funding Corporation, as master servicer, and the Trustee. All terms used herein and not otherwise defined shall have the meanings set forth in the Pooling and Servicing Agreement. The Lender hereby certifies, represents and warrants to, and covenants with, the Master Servicer and the Trustee that: (i) the Mortgage Loan is secured by Mortgaged Property located in a jurisdiction in which an assignment in lieu of satisfaction is required to preserve lien priority, minimize or avoid mortgage recording taxes or otherwise comply with, or facilitate a refinancing under, the laws of such jurisdiction; (ii) the substance of the assignment is, and is intended to be, a refinancing of such Mortgage Loan and the form of the transaction is solely to comply with, or facilitate the transaction under, such local laws; (iii) the Mortgage Loan following the proposed assignment will be modified to have a rate of interest at least 0.25 percent below or above the rate of interest on such Mortgage Loan prior to such proposed assignment; and (iv) such assignment is at the request of the borrower under the related Mortgage Loan. Very truly yours, (Lender) By: --------------------------------- Name: ------------------------------- 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: 1 EXHIBIT O 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 this 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 for inclusion in these reports 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 my knowledge and the annual compliance review required under the P&S Agreement, and, except as disclosed in the reports, the Master Servicer has fulfilled its obligations under the P&S Agreement; and 5. The reports disclose all significant deficiencies relating to the Master Servicer's compliance with the minimum servicing standards based upon the report provided by an independent public accountant, after conducting a review in compliance with the Uniform Single Attestation Program for Mortgage Bankers as set forth in the P&S Agreement, that is included in these reports. In giving the certifications above, I have reasonably relied on the information provided to me by the following unaffiliated parties: [the Trustee]. Date:_______________________ ____________________________* Name: Title: * to be signed by the senior officer in charge of the servicing functions of the Master Servicer EXHIBIT P [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 [_________], 20[__] (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 list of Certificateholders as shown on the Certificate Register as of the end of each calendar year that is provided by the Trustee pursuant to 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: 1 EXHIBIT Q INFORMATION TO BE PROVIDED BY THE MASTER SERVICER TO THE RATING AGENCIES RELATING TO REPORTABLE MODIFIED MORTGAGE LOANS Account number Transaction Identifier Unpaid Principal Balance prior to Modification Next Due Date Monthly Principal and Interest Payment Total Servicing Advances Current Interest Rate Original Maturity Date Original Term to Maturity (Months) Remaining Term to Maturity (Months) Trial Modification Indicator Mortgagor Equity Contribution Total Servicer Advances Trial Modification Term (Months) Trial Modification Start Date Trial Modification End Date Trial Modification Period Principal and Interest Payment Trial Modification Interest Rate Trial Modification Term Rate Reduction Indicator Interest Rate Post Modification Rate Reduction Start Date Rate Reduction End Date Rate Reduction Term Term Modified Indicator Modified Amortization Period Modified Final Maturity Date Total Advances Written Off Unpaid Principal Balance Written Off Other Past Due Amounts Written Off Write Off Date Unpaid Principal Balance Post Write Off Capitalization Indicator Mortgagor Contribution Total Capitalized Amount Modification Close Date Unpaid Principal Balance Post Capitalization Modification Next Payment Due Date per Modification Plan Principal and Interest Payment Post Modification Interest Rate Post Modification Payment Made Post Capitalization Delinquency Status to Modification Plan 1