EX-10.1 3 qs5ss.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-QS5 ===============================================================================
Article I DEFINITIONS....................................................................4 Section 1.01. Definitions..........................................................4 Section 1.02. Use of Words and Phrases............................................15 Section 1.03. Determination of LIBOR..............................................15 Article II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES...........................................................17 Section 2.01. Conveyance of Mortgage Loans. (See Section 2.01 of the Standard Terms).............................................................................17 Section 2.02. Acceptance by Trustee. (See Section 2.02 of the Standard Terms)...17 Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Company....................................................17 Section 2.04.Representations and Warranties of Sellers. (See Section 2.04 of the Standard Terms) 20 Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates Evidencing Interests in REMIC I Certificates.......................................20 Section 2.06.Conveyance of Uncertificated REMIC I and REMIC II Regular Interests; Acceptance by the Trustee 20 Section 2.07. Issuance of Certificates Evidencing Interest in REMIC II.............20 Section 2.08.Purposes and Powers of the Trust (See Section 2.08 of the Standard Terms).............................................................................20 Article III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS................................21 Article IV PAYMENTS TO CERTIFICATEHOLDERS.................................................22 Section 4.01. Certificate Account. (See Section 4.01 of the Standard Terms).......22 Section 4.02. Distributions. ......................................................22 Section 4.03. Statements to Certificateholders; Exchange Act Reporting (See Section 4.04 of the Standard Terms)........................................................29 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)...........................29 Section 4.05. Allocation of Realized Losses. ......................................29 Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property. (See Section 4.06 of the Standard Terms)................................................31 Section 4.07. Optional Purchase of Defaulted Mortgage Loans. (See Section 4.07 of the Standard Terms)................................................................31 Section 4.08. Surety Bond. (See Section 4.08 of the Standard Terms)................31 Article V THE CERTIFICATES................................................................32 Article VI THE COMPANY AND THE MASTER SERVICER..........................................33 Article VII DEFAULT......................................................................34 Article VIII CONCERNING THE TRUSTEE.......................................................35 Article IX TERMINATION..................................................................36 Article X REMIC PROVISIONS............................................................37 Section 10.01. REMIC Administration. (See Section 10.01 of the Standard Terms)....37 Section 10.02.Master Servicer; REMIC Administrator and Trustee Indemnification. (See Section 10.02 of the Standard Terms).............................................................................37 Section 10.03. Designation of REMICs...............................................37 Section 10.04. Distributions on the Uncertificated REMIC I and REMIC II Regular Interests..........................................................................37 Section 10.05. Compliance with Withholding Requirements............................39 Article XI MISCELLANEOUS PROVISIONS......................................................40 Section 11.01. Amendment. (See Section 11.01 of the Standard Terms)...............40 Section 11.02. Recordation of Agreement; Counterparts. (See Section 11.02 of the Standard Terms)....................................................................40 Section 11.03. Limitation on Rights of Certificateholders. (See Section 11.03 of the Standard Terms)....................................................................40 Section 11.04. Governing Laws. (See Section 11.04 of the Standard Terms)..........40 Section 11.05. Notices.............................................................40 Section 11.06. Required Notices to Rating Agency and Subservicer. (See Section 11.06 of the Standard Terms).............................................................41 Section 11.07. Severability of Provisions. (See Section 11.07 of the Standard Terms)41 Section 11.08. Supplemental Provisions for Resecuritization. (See Section 11.08 of the Standard Terms)................................................................41 Section 11.09. Allocation of Voting Rights.........................................41 Section 11.10. No Petition.........................................................41
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 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. 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 Adjustable Senior/Floater/AdjustabMarch 25, Class A-1 Rate3 $97,539,589 Rate 2018 AAA/AAA $25,000.00 Class A-2 Adjustable Senior/Inverse Rate3 Floater/Adjustable March 25, $53,203,411 Rate 2018 AAA/AAA $25,000.00 Class A-3 4.00% Senior/Fixed Rate March 25, $46,875,000 2018 AAA/AAA $25,000.00 Class A-4 Adjustable Senior/Inverse Rate3 Floater/Interest March 25, $04 Only/Adjustable Rate 2018 AAA/AAA $2,000,000.00 Class A-5 Adjustable $45,312,500 Senior/Floater/AdjustaMarch 25, AAA/AAA $25,000.00 Rate3 Rate 2018 Class A-6 Adjustable $7,812,500 Senior/Inverse $25,000.00 Rate3 Floater/Adjustable March 25, Rate 2018 AAA/AAA Class A-P 0.00% Senior/Principal March 25, $25,000.00 $4,986,349 Only 2018 AAA/AAA Class A-V Variable $0 Senior/Interest March 25, 6 Rate5 Only/Variable Rate 2018 AAA/AAA Class R-I 5.50% $100 Senior/Residual March 25, 7 2018 AAA/AAA Class R-II 5.50% $100 Senior/Residual March 25, AAA/AAA 7 2018 Class M-1 5.50% Mezzanine March 25, NA/AA $25,000.00 $3,930,700 2018 Class M-2 5.50% Mezzanine March 25, NA/A $250,000.00 $524,100 2018 Class M-3 5.50% Mezzanine March 25, NA/BBB $250,000.00 $786,000 2018 Class B-1 5.50% Subordinate March 25, NA/BB $250,000.00 $393,100 2018 Class B-2 5.50% Subordinate March 25, NA/B $250,000.00 $262,000 2018 Class B-3 5.50% Subordinate March 25, NA/NA $250,000.00 $393,046 2018
__________ 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-1 1.79% LIBOR + 0.45% 8.50% 0.45% -------------------- ---------------- ----------------------- --------------- ----------------- -------------------- ---------------- ----------------------- --------------- ----------------- Class A-2 12.3017% 14.75833333% - 14.75833333% 0.00% (1.83333333 x LIBOR) -------------------- ---------------- ----------------------- --------------- ----------------- -------------------- ---------------- ----------------------- --------------- ----------------- Class A-4 6.28% 7.55% - LIBOR 7.55% 0.00% -------------------- ---------------- ----------------------- --------------- ----------------- -------------------- ---------------- ----------------------- --------------- ----------------- Class A-5 1.72% LIBOR + 0.45% 8.00% 0.45% -------------------- ---------------- ----------------------- --------------- ----------------- -------------------- ---------------- ----------------------- --------------- ----------------- Class A-6 13.816% 16.61% - (2.2 x 16.61% 0.00% LIBOR)
4 The Class A-4 Certificates do not have a principal balance. For the purpose of calculating interest payments, interest on the Class A-4 Certificates will accrue on a notional amount equal to the product of 0.620689655172414 multiplied by the certificate principal balance of the Class A-5 Certificates. 5 The initial Pass-Through Rate on the Class A-V Certificates is 0.1336%. 6 The Class A-V Certificates shall be issuable in minimum denominations of not less than a 20% Percentage Interest. 7 Each Class of the Class R Certificates shall be issuable in minimum denominations of not less than a 20% Percentage Interest; provided, however, that one Class R Certificate of each Class will be issuable to Residential Funding as "tax matters person" pursuant to Section 10.01(c) and (e) in a minimum denomination representing a Percentage Interest of not less than 0.01%. 2 The Mortgage Loans have an aggregate principal balance as of the Cut-off Date of $262,018,495.17. 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-1, Class A-2, Class A-4, Class A-5 or Class A-6 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) $100,000 over (B) the aggregate amount of Bankruptcy Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 of this Series Supplement. As of any date of determination on or after the first anniversary of the Cut-off Date, an amount equal to the excess, if any, of (1) the lesser of (a) the Bankruptcy Amount calculated as of the close of business on the Business Day immediately preceding the most recent anniversary of the Cut-off Date coinciding with or preceding such date of determination (or, if such date of determination is an anniversary of the Cut-off Date, the Business Day immediately preceding such date of determination) (for purposes of this definition, the "Relevant Anniversary") and (b) the greater of (A) 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-QS5" 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-QS5. 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: 5.50% 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-1 Certificates or Class A-5 Certificates. Fraud Loss Amount: As of any date of determination after the Cut-off Date, an amount equal to: (X) prior to the first anniversary of the Cut-off Date an amount equal to 1.00% 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: $74,622, 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-4 Certificates, $28,125,000. With respect to the Class A-V Certificates or Subclass thereof issued pursuant to Section 5.01(c), the aggregate Cut-off Date Principal Balance of the Mortgage Loans corresponding to the Uncertificated REMIC I Regular Interests Z represented by such Class or Subclass on such date. Initial Subordinate Class Percentage: With respect to each Class of Subordinate Certificates, an amount which is equal to the initial aggregate 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: 1.50% Class B-1: 0.15% Class M-2: 0.20% Class B-2: 0.10% Class M-3: 0.30% Class B-3: 0.15% 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-4 Certificates or Class A-V Certificates. The Interest Only Certificates will have no Certificate Principal Balance. Inverse Floater Certificates: Any one of the Class A-2, Class A-4 or Class A-6 Certificates. Maturity Date: March 25, 2018, 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-4 Certificates, an amount equal to the product of 0.620689655172414 multiplied by the Certificate Principal Balance of the Class A-5 Certificates immediately prior to such date and (ii) with respect to any Class A-V Certificates or Subclass thereof issued pursuant to Section 5.01(c), the aggregate Stated Principal Balance of the Mortgage Loans corresponding to the Uncertificated REMIC I Regular Interests Z represented by such Class or Subclass immediately prior to such date. Pass-Through Rate: With respect to the Senior Certificates (other than the Floater Certificates, Inverse Floater Certificates, Class A-V Certificates and Class A-P Certificates), Class M Certificates and Class B Certificates and any Distribution Date, the per annum rates set forth in the Preliminary Statement hereto. o With respect to the Class A-1 Certificates and the initial Interest Accrual Period, 1.79% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to LIBOR plus 0.45%, subject to a maximum rate of 8.50% per annum and a minimum rate of 0.45% per annum. o With respect to the Class A-2 Certificates and the initial Interest Accrual Period, 12.3017% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 14.75833333% minus the product of 1.83333333 multiplied by LIBOR, subject to a maximum rate of 14.75833333% per annum and a minimum rate of 0.00% per annum. o With respect to the Class A-4 Certificates and the initial Interest Accrual Period, 6.28% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 7.55% minus LIBOR, subject to a maximum rate of 7.55% per annum and a minimum rate of 0.00% per annum. o With respect to the Class A-5 Certificates and the initial Interest Accrual Period, 1.72% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to LIBOR plus 0.45%, subject to a maximum rate of 8.00% per annum and a minimum rate of 0.45% per annum. o With respect to the Class A-6 Certificates and the initial Interest Accrual Period, 13.816% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 16.61% minus the product of 2.2 multiplied by LIBOR, subject to a maximum rate of 16.61% per annum and a minimum rate of 0.00% per annum. 8 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 0.1336% per annum. With respect to any Subclass of Class A-V Certificates and any Distribution Date, a rate equal to the weighted average, expressed as a percentage, of the Pool Strip Rates of all Mortgage Loans corresponding to the Uncertificated REMIC I Regular Interests Z represented by such Subclass as of the Due Date in the related Due Period, weighted on the basis of the respective Stated Principal Balances of such Mortgage Loans as of the day immediately preceding such Distribution Date (or with respect to the initial Distribution Date, at the close of business on the Cut-off Date). The Principal Only Certificates have no Pass-Through Rate and are not entitled to Accrued Certificate Interest. Prepayment Assumption: The prepayment assumption to be used for determining the accrual of original issue discount and premium and market discount on the Certificates for federal income tax purposes, which assumes a constant prepayment rate of 16.0% 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 9 Series Supplement (determined without regard to the proviso to the definition of "Subordinate Principal Distribution Amount") would result in a distribution in respect of principal of any Class or Classes of Subordinate Certificates in an amount greater than the remaining Certificate Principal Balance thereof (any such class, a "Maturing Class"), then: (a) the Prepayment Distribution Percentage of each Maturing Class shall be reduced to a level that, when applied as described above, would exactly reduce the Certificate Principal Balance of such Class to zero; (b) the Prepayment Distribution Percentage of each other Class of Subordinate Certificates (any such Class, a "Non-Maturing Class") shall be recalculated in accordance with the provisions in paragraph (ii) above, as if the Certificate Principal Balance of each Maturing Class had been reduced to zero (such percentage as recalculated, the "Recalculated Percentage"); (c) the total amount of the reductions in the Prepayment Distribution Percentages of the Maturing Class or Classes pursuant to clause (a) of this sentence, expressed as an aggregate percentage, shall be allocated among the Non-Maturing Classes in proportion to their respective Recalculated Percentages (the portion of such aggregate reduction so allocated to any Non-Maturing Class, the "Adjustment Percentage"); and (d) for purposes of such Distribution Date, the Prepayment Distribution Percentage of each Non-Maturing Class shall be equal to the sum of (1) the Prepayment Distribution Percentage thereof, calculated in accordance with the provisions in paragraph (ii) above as if the Certificate Principal Balance of each Maturing Class had not been reduced to zero, plus (2) the related Adjustment Percentage. Principal Only Certificates: Any one of the Class A-P Certificates. ---------------------------- 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, 10 (iii) property which secured a Mortgage Loan and which has been acquired for the benefit of the Certificateholders by foreclosure or deed in lieu of foreclosure, (iv) the hazard insurance policies and Primary Insurance Policies, if any, the Pledged Assets with respect to each Pledged Asset Mortgage Loan, and the interest in the Surety Bond transferred to the Trustee pursuant to Section 2.01 herein, and (v) all proceeds of clauses (i) through (iv) above. REMIC I Certificates: The Class R-I Certificates. -------------------- REMIC II: The segregated pool of assets consisting of the Uncertificated REMIC I Regular Interests conveyed in trust to the Trustee for the benefit of the holders of each Class of Certificates (other than the Class R-I Certificates) pursuant to Section 2.06, with respect to which a separate REMIC election is to be made. REMIC II Certificates: Any Class of Certificates (other than the Class R-I Certificates). Senior Certificate: Any one of the Class A Certificates or Class R Certificates, executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit A and Exhibit D. Senior Percentage: As of any Distribution Date, the lesser of 100% and a fraction, expressed as a percentage, the numerator of which is the aggregate Certificate Principal Balance of the Senior Certificates (other than the Class A-P Certificates) immediately prior to such Distribution Date and the denominator of which is the aggregate Stated Principal Balance of all of the Mortgage Loans (or related REO Properties) (other than the related Discount Fraction of each Discount Mortgage Loan) immediately prior to such Distribution Date. Senior Principal Distribution Amount: As to any Distribution Date before the Credit Support Depletion Date, the lesser of (a) the balance of the Available Distribution Amount remaining after the distribution of all amounts required to be distributed pursuant to Section 4.02(a)(i) 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 11 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 $2,620,185 minus the sum of (i) the aggregate amount of Special Hazard Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 of this Series Supplement and (ii) the Adjustment Amount (as defined below) as most recently calculated. For each anniversary of the Cut-off Date, the Adjustment Amount shall be equal to the amount, if any, by which the amount calculated in accordance with the preceding sentence (without giving effect to the deduction of the Adjustment Amount for such anniversary) exceeds the greater of (A) the greatest of (i) twice the outstanding principal balance of the Mortgage Loan in the Trust Fund which has the largest outstanding principal balance on the Distribution Date immediately preceding such anniversary, (ii) the product of 1.00% multiplied by the outstanding principal balance of all Mortgage Loans on the Distribution Date immediately preceding such anniversary and (iii) the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of the Mortgage Loans in any single five-digit California zip code area with the largest amount of Mortgage Loans by aggregate principal balance as of such anniversary and (B) the greater of (i) the product of 0.50% multiplied by the outstanding principal balance of all Mortgage Loans on the Distribution Date immediately preceding such anniversary multiplied by a fraction, the numerator of which is equal to the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of all of the Mortgage Loans secured by Mortgaged Properties located in the State of California divided by the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of all of the Mortgage Loans, expressed as a percentage, and the denominator of which is equal to 32.2% (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; 12 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; 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 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 Class M 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 13 Principal Balance of such Uncertificated REMIC I Regular Interest pursuant to Section 10.04(d), which equals the aggregate principal balance of the Classes of Certificates identified as related to such Uncertificated REMIC I Regular Interest in such table. 2. The Uncertificated Pass-Through Rate for each Uncertificated REMIC I Regular Interest identified in the table below shall be the per annum rate set forth in the Pass-Through Rate column of such table. 3. The Uncertificated REMIC I Distribution Amount for each REMIC I Regular Interest identified in the table below shall be, for any Distribution Date, the amount deemed distributed with respect to such Uncertificated REMIC I Regular Interest on such Distribution Date pursuant to the provisions of Section 10.04(a).
---------------- ----------------- --------------------- --------------- ---------- ----------------- Uncertificated Related Classes Pass-Through Rate Minimum Maximum Initial REMIC I of Certificates Principal Regular Balance Interest ---------------- ----------------- --------------------- --------------- ---------- ----------------- ---------------- ----------------- --------------------- --------------- ---------- ----------------- T Class A-1 LIBOR + 0.45% 8.50% 0.45% $97,539,589.00 ---------------- ----------------- --------------------- --------------- ---------- ----------------- ---------------- ----------------- --------------------- --------------- ---------- ----------------- U Class A-2 14.75833333% - 14.75833333% 0.00% $53,203,411.00 (1.83333333 x LIBOR) ---------------- ----------------- --------------------- --------------- ---------- ----------------- ---------------- ----------------- --------------------- --------------- ---------- ----------------- V Class A-3 4.00% $46,875,000.00 ---------------- ----------------- --------------------- --------------- ---------- ----------------- ---------------- ----------------- --------------------- --------------- ---------- ----------------- W Class A-4, 6.8235294117647100% $53,125,000.00 Class A-5, Class A-6 ---------------- ----------------- --------------------- --------------- ---------- ----------------- ---------------- ----------------- --------------------- --------------- ---------- ----------------- X Class A-P 0.00% $4,986,348.82 ---------------- ----------------- --------------------- --------------- ---------- ----------------- ---------------- ----------------- --------------------- --------------- ---------- ----------------- Y Class R-II, 5.50% $6,289,046.35 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 1,580 uncertificated partial undivided beneficial ownership interests in the Trust Fund, numbered sequentially from 1 to 1,580, 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 1,580 uncertificated partial undivided beneficial ownership interests in REMIC II numbered sequentially from 1 through 1,580 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). 14 Uncertificated REMIC II Regular Interests Distribution Amount: With respect to any Distribution Date, the sum of the amounts deemed to be distributed on the Uncertificated REMIC I Regular Interests Z for such Distribution Date pursuant to Section 10.04(a). Underwriters: Salomon Smith Barney Inc. and Banc of America Securities LLC Section 1.02. Use of Words and Phrases. ------------------------ "Herein," "hereby," "hereunder," "hereof," "hereinbefore," "hereinafter" and other equivalent words refer to the Pooling and Servicing Agreement as a whole. All references herein to Articles, Sections or Subsections shall mean the corresponding Articles, Sections and Subsections in the Pooling and Servicing Agreement. The definitions set forth herein include both the singular and the plural. Section 1.03. Determination of LIBOR. ---------------------- LIBOR applicable to the calculation of the Pass-Through Rates on the Floater Certificates and Inverse Floater Certificates, if any, for any Interest Accrual Period (other than the initial Interest Accrual Period) will be determined as described below: On each Distribution Date, LIBOR shall be established by the Trustee and, as to any Interest Accrual Period, will equal the rate for one month United States dollar deposits that appears on the Telerate Screen Page 3750 of the 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. 15 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, 1.34% per annum with respect to the Class A-1 Certificates and Class A-2 Certificates and 1.27% per annum with respect to the Class A-4, Class A-5 and Class A-6 Certificates; provided, however, if, under the priorities described above, LIBOR for a Distribution Date would be based on LIBOR for the previous Distribution Date for the third consecutive Distribution Date, the Trustee shall, after consultation with the Master Servicer, select an alternative comparable index (over which the Trustee has no control), used for determining one-month Eurodollar lending rates that is calculated and published (or otherwise made available) by an independent party. "LIBOR Business Day" means any day other than (i) a Saturday or a Sunday or (ii) a day on which banking institutions in the city of London, England are required or authorized by law to be closed. The establishment of LIBOR by the Trustee on any LIBOR Rate Adjustment Date and the Master Servicer's subsequent calculation of the Pass-Through Rates applicable to each of the Floater Certificates and Inverse Floater Certificates for the relevant Interest Accrual Period, in the absence of manifest error, will be final and binding. Promptly following each LIBOR Rate Adjustment Date the Trustee shall supply the Master Servicer with the results of its determination of LIBOR on such date. Furthermore, the Trustee will supply the Pass-Through Rates on each of the Floater Certificates and Inverse Floater Certificates for the current and the immediately preceding Interest Accrual Period via the Trustee's internet website, which may be obtained by telephoning the Trustee at (800) 735-7777. 16 ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES Section 2.01. Conveyance of Mortgage Loans. (See Section 2.01 of the Standard Terms) Section 2.02. Acceptance by Trustee. (See Section 2.02 of the Standard Terms) Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Company. (a) For representations, warranties and covenants of the Master Servicer, see Section 2.03(a) of the Standard Terms. (b) The Company hereby represents and warrants to the Trustee for the benefit of Certificateholders that as of the Closing Date (or, if otherwise specified below, as of the date so specified): (i) No Mortgage Loan is 30 or more days Delinquent in payment of principal and interest as of the Cut-off Date and no Mortgage Loan has been so Delinquent more than once in the 12-month period prior to the Cut-off Date; (ii) The information set forth in Exhibit One hereto with respect to each Mortgage Loan or the Mortgage Loans, as the case may be, is true and correct in all material respects at the date or dates respecting which such information is furnished; (iii) The Mortgage Loans are fully-amortizing, fixed-rate mortgage loans with level Monthly Payments due, with respect to a majority of the Mortgage Loans, on the first day of each month, and terms to maturity at origination or modification of not more than 15 years; (iv) To the best of the Company's knowledge, 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 30% 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 25% 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 12% of such balance if the Loan-to-Value Ratio is between 90.00% and 85.01% and (d) at least 6% 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 0.7% 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 0.8% 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 62.28% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a reduced loan documentation program, approximately 14.60% 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 2.82% 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 14.08% 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 19 Section 2.04 for substitutions by Residential Funding. It is understood and agreed that the obligation of the Company to cure such breach or to so purchase or substitute for any Mortgage Loan as to which such a breach has occurred and is continuing shall constitute the sole remedy respecting such breach available to the Certificateholders or the Trustee on behalf of the Certificateholders. Notwithstanding the foregoing, the Company shall not be required to cure breaches or purchase or substitute for Mortgage Loans as provided in this Section 2.03(b) if the substance of the breach of a representation set forth above also constitutes fraud in the origination of the Mortgage Loan. Section 2.04. Representations and Warranties of Sellers. (See Section 2.04 of the Standard Terms) Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates Evidencing Interests in REMIC I Certificates. The Trustee acknowledges the assignment to it of the Mortgage Loans and the delivery of the Mortgage Files to it, or any Custodian on its behalf, subject to any exceptions noted, together with the assignment to it of all other assets included in the Trust Fund and/or the applicable REMIC, receipt of which is hereby acknowledged. Concurrently with such delivery and in exchange therefor, the Trustee, pursuant to the written request of the Company executed by an officer of the Company, has executed and caused to be authenticated and delivered to or upon the order of the Company the Class R-I Certificates in authorized denominations which together with the Uncertificated REMIC I Regular Interests, evidence 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 Interst 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 to the Class A-1, Class A-2, Class A-3, Class A-5 and Class A-6 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. (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 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 28 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 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 29 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; provided further that the Certificate Principal Balance of the Accrual Companion Certificates for purposes of this Section 4.05 shall be the lesser of (a) the Certificate Principal Balance of Accrual Companion Certificates as of the Closing Date, and (b) the Certificate Principal Balance of the Accrual Companion Certificates as of the date of determination. Any allocation of the principal portion of Realized Losses (other than Debt Service Reductions) to the Subordinate Certificates then outstanding with the Lowest Priority shall be made by operation of the definition of "Certificate Principal Balance" and by operation of the provisions of Section 4.02(a). Allocations of the interest portions of Realized Losses (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" any 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 30 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, Class A-5, Class A-6 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 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-QS5 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 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. 40 Section 11.06. Required Notices to Rating Agency and Subservicer. (See Section 11.06 of the Standard Terms) Section 11.07. Severability of Provisions. (See Section 11.07 of the Standard Terms) Section 11.08. Supplemental Provisions for Resecuritization. (See Section 11.08 of the Standard Terms) Section 11.09. Allocation of Voting Rights. 97.0% 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-4 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 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 Joseph Orning, known to me to be a Vice President of Residential Accredit Loans, Inc., one of the corporations that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. //s// Brian S. Bangerter Notary Public [Notarial Seal] 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 a(n) 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 S. 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 a(n) Associate of Deutsche Bank Trust Company Americas, the New York banking corporation that executed the within instrument, and also known to me to be the person who executed it on behalf of said banking corporation and acknowledged to me that such banking corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first, above written. //s// Brent Wayne Hoyler Notary Public [Notarial Seal] 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 a(n) Associate of Deutsche Bank Trust Company Americas, the New York banking corporation that executed the within instrument, and also known to me to be the person who executed it on behalf of said banking corporation and acknowledged to me that such banking corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. //s// Brent Wayne Hoyler Notary Public [Notarial Seal] EXHIBIT ONE MORTGAGE LOAN SCHEDULE RUN ON : 03/21/03 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 07.21.09 FIXED PASSTHRU REPORT AMORTIZED BALANCE SERIES : RALI 2003-QS5 CUTOFF : 03/01/03 POOL : 0004668 : : 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 --------------------------------------------------------------------------- 2965727 .2500 103,779.88 .0800 9.2500 .0000 9.0000 .0000 8.9200 .0000 5.5000 3.4200 4346468 .2500 41,757.81 .0800 8.7500 .0000 8.5000 .0000 8.4200 .0000 5.5000 2.9200 5218248 .2500 130,020.42 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 5.5000 1.5450 5405462 .2500 56,911.01 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 5.5000 1.9200 6880684 .2500 60,605.68 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 6911111 .2500 79,268.42 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 1 7064030 .2500 535,351.15 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 7071677 .2500 148,286.74 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.5000 1.1700 7106365 .2500 91,844.30 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 5.5000 2.0450 7139396 .2500 152,027.38 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.5000 1.1700 7405031 .2500 291,153.41 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 5.5000 1.7950 7652597 .2500 331,451.03 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 7695265 .2500 77,397.87 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 7815653 .2500 113,331.64 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 5.5000 1.4200 1 7888763 .2500 69,427.70 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.5000 1.0450 7888781 .2500 120,217.74 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 7940495 .2500 62,218.74 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 7944176 .2500 124,864.78 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.5000 1.0450 7964169 .2500 69,396.87 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8001337 .2500 44,098.37 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8004491 .2500 114,014.96 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 5.5000 1.4200 8011625 .2500 166,236.46 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.5000 1.0450 1 8033579 .2500 81,915.39 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8033909 .2500 104,083.17 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8049130 .2500 143,787.54 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 5.5000 1.4200 8054021 .2500 81,533.01 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8072953 .2500 56,711.57 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8074491 .2500 58,409.97 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8077041 .2500 119,666.16 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8100811 .2500 116,372.55 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 1 8101779 .2500 100,172.53 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8104237 .2500 342,684.44 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8141851 .2500 166,038.68 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8146109 .2500 100,206.75 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8147011 .2500 110,696.95 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8149017 .2500 47,482.73 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8161357 .2500 177,388.90 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8162995 .2500 131,703.57 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 1 8166209 .2500 102,035.40 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8169495 .2500 115,042.14 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8172743 .2500 98,228.22 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8178653 .2500 453,558.22 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8179747 .2500 105,578.50 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8181931 .2500 157,620.05 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8182683 .2500 97,416.44 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8183093 .2500 349,936.73 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 1 8183103 .2500 290,868.87 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8184591 .2500 133,069.57 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8186189 .2500 125,799.14 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8186311 .2500 48,781.98 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8186875 .2500 35,935.36 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 8188061 .2500 52,408.17 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.5000 1.0450 8188201 .2500 119,143.47 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8189265 .2500 38,038.34 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 5.5000 1.2950 1 8194921 .2500 108,491.58 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8198137 .2500 98,657.34 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8199775 .2500 985,996.19 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8202107 .2500 132,581.22 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8203183 .2500 127,648.45 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8203995 .2500 125,024.30 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8205373 .2500 140,768.48 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8208203 .2500 173,223.17 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 1 8214263 .2500 125,111.12 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8217135 .2500 57,886.57 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8219021 .2500 103,989.56 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.5000 1.0450 8220173 .2500 179,696.47 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8220257 .2500 108,871.57 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8221441 .2500 48,941.06 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8221445 .2500 72,868.63 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8222055 .2500 231,777.47 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 1 8222545 .2500 100,655.17 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8223307 .2500 53,451.04 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8228589 .2500 75,680.62 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8231057 .2500 33,167.10 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8237391 .2500 100,678.88 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8237679 .2500 128,012.32 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8238571 .2500 341,385.36 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8239299 .2500 297,379.37 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8239583 .2500 35,566.29 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8240135 .2500 345,265.91 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8240957 .2500 150,424.14 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8241523 .2500 134,904.24 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8242350 .2500 40,649.55 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 5.5000 1.5450 8242392 .2500 99,974.84 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8242645 .2500 108,871.57 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8242977 .2500 101,304.38 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8243741 .2500 563,964.91 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8248951 .2500 113,197.24 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8249179 .2500 138,143.11 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 8249529 .2500 395,809.14 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8251101 .2500 99,233.72 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8251123 .2500 76,758.98 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8251267 .2500 124,198.89 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8251699 .2500 71,229.61 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8251831 .2500 285,835.87 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8253763 .2500 132,135.54 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8253909 .2500 297,399.41 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8255611 .2500 138,038.44 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8256689 .2500 122,727.97 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8259463 .2500 133,570.65 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8262295 .2500 96,331.25 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8262299 .2500 98,685.17 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8262331 .2500 67,436.82 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8262343 .2500 99,104.63 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8262365 .2500 96,813.44 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8262661 .2500 136,085.16 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8262897 .2500 132,342.90 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8264073 .2500 74,285.99 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.5000 1.1700 8264379 .2500 86,492.94 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8265883 .2500 126,494.62 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 1 8266557 .2500 101,289.30 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8266571 .2500 110,226.59 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8266585 .2500 129,794.95 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8266661 .2500 143,017.70 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8266755 .2500 297,819.83 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8267097 .2500 101,327.13 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8268411 .2500 115,727.30 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8268693 .2500 129,656.14 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 1 8268853 .2500 97,920.63 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8268935 .2500 322,125.43 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8269305 .2500 124,695.06 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8269309 .2500 221,158.35 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8269615 .2500 99,273.27 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8269619 .2500 142,874.80 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8269627 .2500 287,884.89 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8269903 .2500 639,465.14 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 1 8270707 .2500 286,897.17 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8271371 .2500 128,270.51 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8272653 .2500 62,064.52 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8273023 .2500 119,287.71 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8273115 .2500 189,061.27 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8273199 .2500 135,578.72 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8273285 .2500 109,208.43 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8273373 .2500 117,186.47 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 1 8273383 .2500 57,616.82 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8274941 .2500 593,647.25 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8275399 .2500 45,038.15 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8275611 .2500 98,877.27 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8275695 .2500 295,754.69 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8275865 .2500 104,539.43 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8276517 .2500 136,681.15 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8276569 .2500 118,729.46 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 1 8276853 .2500 116,723.72 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8276933 .2500 138,259.05 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8277135 .2500 105,843.13 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8277217 .2500 95,331.11 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8277563 .2500 124,129.03 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8277657 .2500 145,532.13 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8277695 .2500 337,630.98 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8277867 .2500 99,037.71 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.5000 1.0450 1 8277873 .2500 130,106.38 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8277891 .2500 71,597.63 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8278731 .2500 101,909.46 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8278795 .2500 144,000.33 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8279051 .2500 129,924.33 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8279221 .2500 310,447.76 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8279275 .2500 134,389.29 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8279799 .2500 141,517.55 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 1 8279805 .2500 160,001.77 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 5.5000 1.4200 8279809 .2500 136,911.46 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8279813 .2500 142,351.18 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8279865 .2500 134,426.97 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8279913 .2500 109,837.04 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8280183 .2500 124,625.56 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8280243 .2500 103,605.80 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8282719 .2500 141,527.93 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 1 8285341 .2500 124,526.24 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8285343 .2500 142,191.63 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8285671 .2500 130,065.71 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8285861 .2500 109,208.95 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8286799 .2500 118,672.68 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8286897 .2500 128,192.68 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8287105 .2500 110,814.16 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8287197 .2500 110,319.57 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8287205 .2500 127,382.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8287207 .2500 335,188.62 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8287231 .2500 142,433.70 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8287235 .2500 118,354.46 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8287249 .2500 394,398.45 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8287257 .2500 117,435.19 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8287321 .2500 142,127.19 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 8287323 .2500 26,633.61 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 1 8287333 .2500 575,561.80 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8287339 .2500 78,879.68 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8287369 .2500 99,614.96 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8287429 .2500 158,850.82 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8287441 .2500 63,158.71 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 8287447 .2500 344,899.69 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8287471 .2500 104,515.57 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8287479 .2500 142,614.25 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.5000 1.0450 1 8287491 .2500 131,156.96 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 8288497 .2500 132,827.87 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8288513 .2500 125,024.30 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8288517 .2500 141,059.58 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8288523 .2500 352,043.25 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8288531 .2500 296,856.84 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8288563 .2500 125,069.50 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8288615 .2500 55,462.28 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8288633 .2500 118,301.84 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8288639 .2500 305,436.50 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8288719 .2500 130,189.88 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8288853 .2500 97,899.96 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8288867 .2500 122,746.20 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8288873 .2500 114,497.95 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8288919 .2500 119,784.72 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 8288937 .2500 58,719.94 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 1 8288951 .2500 43,020.75 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8288963 .2500 109,873.30 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8288983 .2500 76,688.01 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8288997 .2500 67,338.58 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 8292051 .2500 82,980.26 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8292163 .2500 119,860.96 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8292179 .2500 130,285.83 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8292545 .2500 131,155.59 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.5000 1.0450 1 8292697 .2500 444,778.24 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8293573 .2500 109,288.71 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 8293701 .2500 124,138.21 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8294095 .2500 111,033.85 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8294411 .2500 124,637.69 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8295611 .2500 32,170.09 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8296091 .2500 59,581.94 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8296721 .2500 164,733.52 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.5000 1.0450 1 8296991 .2500 412,629.93 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8298085 .2500 41,500.18 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8298131 .2500 413,931.40 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8298201 .2500 541,774.94 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8299943 .2500 282,083.20 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8300817 .2500 72,682.06 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.5000 1.0450 8300829 .2500 39,735.74 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8300901 .2500 62,036.56 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8303435 .2500 121,328.42 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8303573 .2500 104,276.09 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8303649 .2500 287,979.37 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8304399 .2500 100,892.09 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8304697 .2500 397,299.29 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8305551 .2500 104,787.95 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8306017 .2500 41,473.10 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8306099 .2500 42,904.16 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 1 8307611 .2500 75,972.58 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8307643 .2500 146,273.64 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8308047 .2500 397,242.26 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8308371 .2500 291,828.47 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8313231 .2500 91,586.02 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8314459 .2500 54,120.26 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8316663 .2500 446,864.53 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8320759 .2500 254,272.16 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 1 8322475 .2500 82,620.29 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8322953 .2500 20,458.47 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.5000 1.0450 8324173 .2500 83,698.65 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8324899 .2500 126,151.93 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8325213 .2500 106,228.27 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8325693 .2500 165,339.88 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8329699 .2500 69,254.13 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.5000 1.0450 8330259 .2500 29,806.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 1 8330297 .2500 31,677.71 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8330445 .2500 31,677.71 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8330495 .2500 43,196.90 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8331019 .2500 92,054.09 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8332009 .2500 422,069.91 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8340093 .2500 86,845.90 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8340219 .2500 114,795.37 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8342453 .2500 42,165.09 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.5000 1.0450 1 8343967 .2500 78,722.52 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8345013 .2500 77,059.32 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8345335 .2500 166,841.75 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8345911 .2500 97,217.86 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8345957 .2500 79,724.91 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8346021 .2500 97,019.26 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8346055 .2500 140,068.46 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8346135 .2500 96,721.35 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8347236 .2500 164,426.56 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8348422 .2500 389,612.02 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8351407 .2500 123,274.65 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8351415 .2500 66,859.28 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8351426 .2500 85,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8352334 .2500 585,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8353236 .2500 368,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8353568 .2500 180,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8353572 .2500 55,200.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8354541 .2500 155,457.85 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8354551 .2500 122,087.68 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8355061 .2500 82,020.01 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8356177 .2500 83,723.27 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8358443 .2500 78,628.70 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8365497 .2500 94,338.07 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8365713 .2500 71,400.99 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8366529 .2500 172,800.39 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8366675 .2500 122,142.96 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8366729 .2500 87,899.94 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8367045 .2500 186,383.95 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8367265 .2500 262,969.40 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8367331 .2500 438,487.03 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8368531 .2500 26,913.89 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.5000 1.0450 8368667 .2500 52,313.63 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8368981 .2500 82,415.63 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8369745 .2500 89,424.27 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.5000 1.0450 8370453 .2500 159,425.99 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8372721 .2500 99,670.56 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8375059 .2500 59,802.33 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8375191 .2500 30,893.40 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8375293 .2500 32,772.47 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8375873 .2500 92,352.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8376985 .2500 73,742.82 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8377537 .2500 53,028.48 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 8377721 .2500 184,833.91 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8377955 .2500 151,460.42 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8379993 .2500 50,333.63 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8380367 .2500 61,795.74 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8380471 .2500 448,436.09 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8380819 .2500 43,348.82 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8380893 .2500 29,801.78 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8381391 .2500 51,815.39 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8381507 .2500 443,355.42 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8381509 .2500 432,722.52 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8381511 .2500 423,969.45 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8381513 .2500 169,300.78 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8381515 .2500 188,265.28 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 8381517 .2500 100,855.19 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 1 8381519 .2500 71,243.06 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8381523 .2500 388,722.87 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8381525 .2500 522,560.77 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8381527 .2500 29,685.66 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8381529 .2500 355,198.94 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8381531 .2500 124,395.91 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.5000 1.1700 8381533 .2500 148,461.23 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8381535 .2500 76,490.09 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8381537 .2500 398,282.96 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8381539 .2500 229,595.99 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8381545 .2500 96,052.03 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 8381547 .2500 364,144.39 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8381549 .2500 593,647.25 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8381553 .2500 194,824.65 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8381555 .2500 459,138.59 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8381557 .2500 345,381.76 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 1 8381559 .2500 453,329.13 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8381561 .2500 469,902.82 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8381567 .2500 330,932.42 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8381569 .2500 26,648.38 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 8381577 .2500 419,971.65 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8382999 .2500 245,661.39 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8383841 .2500 518,154.10 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8384139 .2500 110,909.06 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 1 8384365 .2500 111,232.34 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8384545 .2500 403,141.08 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8384663 .2500 51,132.81 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 8384673 .2500 488,325.25 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8384693 .2500 166,829.42 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8385095 .2500 54,818.81 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8385425 .2500 150,469.62 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8386223 .2500 152,064.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 1 8386407 .2500 82,432.29 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8387101 .2500 151,454.70 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8387491 .2500 94,922.48 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8387507 .2500 293,848.90 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8387787 .2500 43,856.60 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 8387851 .2500 86,218.09 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 8387857 .2500 126,563.30 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8388413 .2500 100,150.73 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8388699 .2500 126,563.30 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8388923 .2500 54,612.70 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8389077 .2500 93,676.77 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8392835 .2500 33,326.92 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 8392891 .2500 97,666.60 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8392991 .2500 249,112.55 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8392997 .2500 155,950.31 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8393011 .2500 90,893.03 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 1 8393015 .2500 165,429.20 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8393021 .2500 53,816.29 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8393085 .2500 117,178.11 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8393703 .2500 92,822.81 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8393813 .2500 75,752.30 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 8393821 .2500 95,662.81 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8393979 .2500 75,029.87 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8393983 .2500 62,994.03 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 1 8394277 .2500 29,790.95 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8394815 .2500 169,402.88 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8395419 .2500 54,575.38 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.5000 1.0450 8395803 .2500 362,761.65 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8395809 .2500 148,283.38 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8395865 .2500 119,608.91 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 8396337 .2500 110,605.97 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8396621 .2500 132,527.88 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8396693 .2500 102,044.12 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8396781 .2500 52,327.05 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8396889 .2500 141,669.22 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8396905 .2500 134,525.83 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8396975 .2500 342,596.13 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8397011 .2500 249,121.89 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8397055 .2500 72,735.34 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8397815 .2500 73,534.53 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8397923 .2500 87,401.64 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8397933 .2500 72,743.59 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8398017 .2500 142,497.72 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8398025 .2500 247,717.51 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8398083 .2500 174,372.18 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8398451 .2500 46,867.64 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8398533 .2500 428,489.66 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8398535 .2500 504,346.75 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8398537 .2500 444,811.91 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8398539 .2500 367,394.57 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8398575 .2500 125,390.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 8398727 .2500 156,454.37 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8398851 .2500 100,648.99 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8398897 .2500 87,192.66 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8398899 .2500 114,612.92 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8398903 .2500 76,729.54 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 1 8398937 .2500 115,583.85 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8399193 .2500 66,072.02 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8399377 .2500 113,786.50 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8399395 .2500 505,495.39 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8399519 .2500 149,478.69 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8400231 .2500 86,200.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8400247 .2500 73,338.73 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8400421 .2500 62,880.71 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8400509 .2500 60,808.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8400607 .2500 26,912.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 8400633 .2500 334,794.60 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8400759 .2500 71,749.77 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8401303 .2500 438,438.08 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8401381 .2500 498,243.78 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8401425 .2500 72,942.89 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8401503 .2500 133,524.33 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8401535 .2500 243,622.85 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8401635 .2500 378,679.37 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8401769 .2500 478,314.03 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8401781 .2500 227,480.97 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8401793 .2500 192,314.88 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8402013 .2500 110,626.38 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8402033 .2500 287,454.05 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8402141 .2500 125,163.50 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8402179 .2500 125,566.74 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8402373 .2500 53,600.00 .0300 5.7590 .0000 5.5090 .0000 5.4790 .0000 5.4790 .0000 8402493 .2500 112,477.47 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8402585 .2500 211,255.36 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8402737 .2500 139,346.28 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8402975 .2500 645,747.97 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8403053 .2500 152,479.48 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8403487 .2500 71,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 1 8403623 .2500 428,000.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8403631 .2500 167,446.54 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8403657 .2500 170,943.31 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8403663 .2500 632,707.47 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8403687 .2500 369,224.29 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8403713 .2500 124,560.95 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8403717 .2500 262,732.82 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8403781 .2500 168,642.59 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 1 8403783 .2500 168,642.59 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8403819 .2500 99,645.02 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8403829 .2500 622,429.30 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8403875 .2500 153,048.96 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8403971 .2500 52,016.66 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8404323 .2500 167,708.86 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8404741 .2500 140,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8406261 .2500 139,500.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 1 8406333 .2500 49,828.07 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8406377 .2500 50,822.76 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8406423 .2500 59,007.06 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 8406429 .2500 331,718.27 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8406691 .2500 104,435.78 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8406843 .2500 72,554.55 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8406899 .2500 237,181.62 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8406959 .2500 614,288.30 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8407185 .2500 121,050.16 .0300 5.1250 .0000 4.8750 .0000 4.8450 .0000 4.8450 .0000 8407237 .2500 275,817.41 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8407269 .2500 256,097.30 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8407311 .2500 209,238.65 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8407315 .2500 290,963.45 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8407339 .2500 89,683.88 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8407365 .2500 274,044.27 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8407373 .2500 261,558.27 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8407385 .2500 116,580.26 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8407389 .2500 178,357.84 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8407397 .2500 296,919.60 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8407405 .2500 18,685.53 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8407429 .2500 189,325.54 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8407501 .2500 159,419.92 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8407505 .2500 294,926.85 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8407513 .2500 265,344.64 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8407527 .2500 142,869.08 .0300 5.1250 .0000 4.8750 .0000 4.8450 .0000 4.8450 .0000 8407535 .2500 124,556.27 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8407537 .2500 207,221.82 .0300 5.0000 .0000 4.7500 .0000 4.7200 .0000 4.7200 .0000 8407553 .2500 219,193.97 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8407555 .2500 188,292.90 .0300 5.0000 .0000 4.7500 .0000 4.7200 .0000 4.7200 .0000 8407557 .2500 189,311.15 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8407567 .2500 117,169.14 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8407621 .2500 93,666.32 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8407623 .2500 244,148.54 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8407629 .2500 213,215.95 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8407631 .2500 250,118.38 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8407637 .2500 239,139.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8407647 .2500 169,383.67 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8407653 .2500 164,420.45 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8407659 .2500 134,530.83 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8407671 .2500 64,764.35 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 1 8407691 .2500 109,605.38 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8407701 .2500 93,164.57 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8407907 .2500 210,484.11 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8408021 .2500 181,367.48 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8408025 .2500 267,068.60 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8408069 .2500 52,925.07 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8408303 .2500 235,703.96 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8408309 .2500 114,093.55 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8408321 .2500 197,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8408323 .2500 58,205.53 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8408331 .2500 43,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8408341 .2500 70,400.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8408343 .2500 116,400.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8408349 .2500 102,044.12 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8408359 .2500 79,300.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8408413 .2500 160,639.77 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8408417 .2500 144,391.05 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8408457 .2500 59,804.45 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 8408491 .2500 334,794.60 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8408549 .2500 164,401.79 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8408585 .2500 298,264.15 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8408591 .2500 59,798.05 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8408603 .2500 157,151.93 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8408605 .2500 183,838.10 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8408629 .2500 145,996.25 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8408635 .2500 85,206.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8408655 .2500 151,466.11 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8408693 .2500 88,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8408695 .2500 155,452.06 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8408709 .2500 514,486.53 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8408723 .2500 144,479.81 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8408729 .2500 78,984.63 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8408779 .2500 55,305.06 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8409215 .2500 567,888.21 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8409265 .2500 56,614.88 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 8409311 .2500 358,762.12 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8409609 .2500 614,112.25 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8409611 .2500 646,720.42 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8410811 .2500 298,957.39 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8410997 .2500 82,213.29 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8411017 .2500 165,815.53 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8411055 .2500 57,216.93 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.5000 1.0450 8411185 .2500 71,760.24 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8411211 .2500 133,524.33 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8411399 .2500 111,602.42 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8411635 .2500 129,177.62 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 8412335 .2500 350,776.67 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8412451 .2500 544,102.45 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8413197 .2500 156,940.90 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8413207 .2500 192,805.82 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8413209 .2500 152,966.53 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8413217 .2500 91,655.01 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8413237 .2500 61,777.58 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8413249 .2500 448,436.09 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8413251 .2500 263,111.40 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8413259 .2500 134,730.14 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8413263 .2500 43,600.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8413267 .2500 154,467.02 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8413289 .2500 40,852.92 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8413303 .2500 30,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8413305 .2500 61,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8413323 .2500 107,200.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8413329 .2500 119,574.02 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8413387 .2500 60,597.54 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 1 8413427 .2500 112,113.16 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8413453 .2500 69,569.95 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8413571 .2500 140,011.71 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8413823 .2500 57,146.75 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8413939 .2500 75,051.93 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8414133 .2500 58,602.09 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8414185 .2500 90,709.76 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.5000 1.0450 8414189 .2500 114,889.81 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8414193 .2500 100,467.92 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8414269 .2500 179,347.41 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8414433 .2500 191,360.64 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8414439 .2500 134,530.83 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8414741 .2500 116,614.55 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8414771 .2500 65,234.38 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8415175 .2500 119,224.04 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 8415321 .2500 179,374.44 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8415331 .2500 190,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8415337 .2500 498,298.96 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8415357 .2500 560,980.24 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8415501 .2500 91,666.45 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8415515 .2500 79,618.80 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8415527 .2500 158,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8415531 .2500 103,895.33 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8415553 .2500 222,400.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 1 8415557 .2500 51,330.34 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8415569 .2500 209,246.62 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8415571 .2500 131,543.51 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8415577 .2500 44,342.03 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8415599 .2500 76,823.40 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8415615 .2500 120,919.23 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8415629 .2500 207,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8415861 .2500 167,250.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 1 8415869 .2500 27,500.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8415883 .2500 118,800.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8415921 .2500 179,188.31 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8415941 .2500 119,089.09 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8416875 .2500 100,464.34 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8417975 .2500 214,228.69 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8418071 .2500 515,203.25 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8418171 .2500 225,646.14 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8418181 .2500 493,242.84 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8418197 .2500 249,103.12 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8419143 .2500 115,613.72 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8421137 .2500 131,800.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8421141 .2500 124,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8421145 .2500 91,200.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 8421171 .2500 50,100.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8421531 .2500 216,500.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 1 8421565 .2500 82,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8421567 .2500 49,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8421583 .2500 161,400.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8422811 .2500 136,503.31 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8422815 .2500 78,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8423175 .2500 103,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8423199 .2500 133,040.95 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8423281 .2500 288,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8423301 .2500 176,378.30 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8423383 .2500 109,605.37 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8423451 .2500 489,257.04 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8423501 .2500 111,602.42 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8423597 .2500 97,500.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8423709 .2500 141,726.48 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8424023 .2500 134,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8424065 .2500 87,800.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 1 8424071 .2500 86,600.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8424087 .2500 148,900.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8424095 .2500 81,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8424105 .2500 82,500.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8424107 .2500 80,400.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8424109 .2500 59,900.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8424113 .2500 60,600.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8424115 .2500 63,300.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 1 8425263 .2500 249,103.12 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8425381 .2500 117,178.11 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8425787 .2500 99,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 8425855 .2500 78,700.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8425891 .2500 80,100.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8425893 .2500 67,262.91 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8426051 .2500 241,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8426093 .2500 353,726.43 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8426537 .2500 150,500.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8426583 .2500 79,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8426739 .2500 99,648.76 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8426819 .2500 104,232.60 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8426853 .2500 75,237.62 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8426905 .2500 241,176.70 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8426973 .2500 171,389.43 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8426977 .2500 213,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8426987 .2500 79,520.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8427005 .2500 86,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8427045 .2500 90,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8427069 .2500 156,454.37 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8427075 .2500 83,500.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8427125 .2500 97,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8427133 .2500 235,162.24 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8427171 .2500 140,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 1 8427183 .2500 96,300.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8427205 .2500 199,500.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8427231 .2500 120,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8427241 .2500 55,000.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8427259 .2500 336,400.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8427269 .2500 69,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8427317 .2500 81,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8427345 .2500 180,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8427413 .2500 158,652.58 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8427629 .2500 41,855.58 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8428269 .2500 88,703.63 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8429241 .2500 104,740.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8430333 .2500 59,200.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8430355 .2500 58,803.53 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8430547 .2500 114,521.48 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8431275 .2500 258,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8431295 .2500 146,688.43 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8431419 .2500 128,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8431587 .2500 132,473.04 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8431697 .2500 94,400.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8431935 .2500 298,192.92 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8431971 .2500 168,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8432155 .2500 181,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8432157 .2500 198,500.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8432159 .2500 89,300.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8432163 .2500 80,100.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8432165 .2500 133,750.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8432169 .2500 194,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8432173 .2500 126,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8432465 .2500 27,624.06 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8432475 .2500 140,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8432509 .2500 80,000.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 1 8432535 .2500 111,300.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8432553 .2500 302,200.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8432565 .2500 120,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8432587 .2500 70,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8432595 .2500 100,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8432617 .2500 157,022.73 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8432713 .2500 224,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8432735 .2500 200,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8432741 .2500 147,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8432761 .2500 204,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8432779 .2500 154,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8432785 .2500 95,500.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8432789 .2500 131,526.45 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8432821 .2500 360,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8432825 .2500 75,746.92 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8432829 .2500 196,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8432831 .2500 93,500.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8432833 .2500 249,158.52 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8432841 .2500 61,500.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8432845 .2500 300,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8432849 .2500 298,990.23 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8432851 .2500 84,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8432859 .2500 51,600.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8432879 .2500 81,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8432951 .2500 240,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8433001 .2500 102,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8433053 .2500 840,809.88 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8433391 .2500 95,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8433405 .2500 124,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8433409 .2500 77,600.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8433417 .2500 142,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8433495 .2500 53,802.16 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 1 8434391 .2500 67,500.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8434591 .2500 36,624.43 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8435281 .2500 118,083.77 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8435293 .2500 84,500.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8435301 .2500 145,135.63 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.5000 1.0450 8435315 .2500 111,593.95 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8435329 .2500 128,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8435581 .2500 119,574.02 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8435631 .2500 68,850.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8435653 .2500 129,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8435899 .2500 74,765.94 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 5.5000 1.2950 8436413 .2500 121,177.39 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8436415 .2500 145,849.59 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8436417 .2500 153,204.21 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8436423 .2500 46,750.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8436429 .2500 240,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 1 8436435 .2500 464,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8436437 .2500 409,601.74 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8436439 .2500 453,898.32 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8436513 .2500 114,803.88 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8436517 .2500 375,976.60 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8436957 .2500 66,400.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8436965 .2500 595,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8437015 .2500 127,500.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 1 8437019 .2500 93,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8437023 .2500 151,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8437075 .2500 85,400.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8437103 .2500 60,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8437123 .2500 104,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8437535 .2500 252,111.35 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8437587 .2500 134,515.69 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8437663 .2500 194,293.03 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 1 8437817 .2500 130,500.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8437947 .2500 216,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8437953 .2500 52,626.79 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8437963 .2500 515,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8438295 .2500 113,001.69 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8438383 .2500 115,601.12 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8438387 .2500 183,800.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8438459 .2500 104,635.08 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8438471 .2500 200,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8438495 .2500 160,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8438497 .2500 113,188.14 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8438531 .2500 194,300.44 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8438545 .2500 227,705.88 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8438645 .2500 106,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8439091 .2500 135,160.57 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8439135 .2500 132,054.01 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 1 8439139 .2500 59,800.20 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8440175 .2500 103,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8440211 .2500 189,332.64 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8440215 .2500 64,781.22 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8440293 .2500 125,308.91 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8440439 .2500 212,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8440531 .2500 103,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8440533 .2500 129,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8440537 .2500 64,500.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8440541 .2500 250,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8440559 .2500 70,775.61 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8440571 .2500 544,142.03 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8440621 .2500 133,225.46 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 8440773 .2500 107,796.02 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8440789 .2500 65,351.72 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8441417 .2500 49,270.83 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 1 8441505 .2500 135,427.70 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8441549 .2500 48,980.99 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8441613 .2500 48,980.99 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8441935 .2500 48,980.99 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8441943 .2500 48,980.99 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8441945 .2500 147,475.80 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8441953 .2500 75,932.96 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8442049 .2500 247,944.48 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 1 8442061 .2500 171,832.37 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8442073 .2500 359,834.86 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8442443 .2500 515,507.62 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8442491 .2500 323,155.40 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8442657 .2500 179,374.44 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8442659 .2500 167,313.48 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8442675 .2500 85,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8442703 .2500 116,500.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8442719 .2500 55,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8442779 .2500 143,477.93 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8442789 .2500 65,065.73 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8442793 .2500 122,607.71 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.5000 1.0450 8442829 .2500 77,031.36 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8442859 .2500 79,721.98 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8443365 .2500 170,000.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8443379 .2500 142,400.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8443409 .2500 53,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8443495 .2500 91,200.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8443497 .2500 138,000.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8443537 .2500 58,850.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8443559 .2500 105,750.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8443581 .2500 169,383.67 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8443583 .2500 72,800.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8443589 .2500 84,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8443591 .2500 102,750.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8443619 .2500 81,708.92 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8443731 .2500 73,371.84 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8443787 .2500 164,401.79 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8443811 .2500 140,111.36 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8443815 .2500 151,466.10 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8443825 .2500 60,994.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8443855 .2500 159,467.19 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 1 8443861 .2500 71,017.78 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 8444167 .2500 41,855.58 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8444643 .2500 35,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8444645 .2500 67,800.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8444647 .2500 120,650.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8444651 .2500 98,500.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8444691 .2500 54,150.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8444711 .2500 35,500.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 1 8444721 .2500 73,100.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8444777 .2500 125,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8444857 .2500 133,600.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8445107 .2500 108,750.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8445429 .2500 224,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8445465 .2500 83,100.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8445531 .2500 196,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8445533 .2500 71,752.42 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 1 8445587 .2500 220,190.31 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8445621 .2500 362,082.50 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8445627 .2500 99,645.02 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8445629 .2500 393,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8445643 .2500 199,290.04 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8445665 .2500 267,993.59 .0300 5.0000 .0000 4.7500 .0000 4.7200 .0000 4.7200 .0000 8445695 .2500 313,809.15 .0300 4.8750 .0000 4.6250 .0000 4.5950 .0000 4.5950 .0000 8445787 .2500 71,744.41 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8446697 .2500 57,500.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8446699 .2500 221,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8447335 .2500 117,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8447493 .2500 39,858.01 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8447551 .2500 38,600.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8447559 .2500 128,050.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8447563 .2500 91,500.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8447569 .2500 105,800.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8447571 .2500 60,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8447733 .2500 132,750.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8447835 .2500 80,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8447863 .2500 227,200.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8448171 .2500 63,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8448307 .2500 87,703.80 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8448957 .2500 328,680.67 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8449553 .2500 70,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8449939 .2500 89,600.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8449943 .2500 136,935.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8449947 .2500 206,500.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8450039 .2500 59,500.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8450041 .2500 120,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8450171 .2500 112,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 8450183 .2500 543,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8450203 .2500 259,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 1 8450299 .2500 94,769.49 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8450305 .2500 120,000.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.5000 1.1700 8450319 .2500 503,800.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8450347 .2500 145,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8450349 .2500 111,602.42 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8450401 .2500 125,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8450403 .2500 130,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8450405 .2500 338,843.29 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 1 8450771 .2500 131,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8450791 .2500 37,500.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8450797 .2500 136,100.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8450837 .2500 105,500.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8451147 .2500 618,750.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8451291 .2500 60,282.95 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8451297 .2500 344,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8451381 .2500 74,744.84 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 1 8451415 .2500 136,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8451553 .2500 108,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8451559 .2500 154,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8451573 .2500 315,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8451781 .2500 251,500.00 .0300 5.1250 .0000 4.8750 .0000 4.8450 .0000 4.8450 .0000 8451855 .2500 272,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8451859 .2500 66,244.67 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 8451861 .2500 49,655.28 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 1 8451863 .2500 106,308.09 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 8451865 .2500 80,464.85 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8451867 .2500 257,218.12 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8451869 .2500 180,088.80 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8451875 .2500 137,792.93 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8451877 .2500 544,810.54 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8451879 .2500 643,189.80 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8451881 .2500 220,416.15 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8451883 .2500 344,494.71 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8451887 .2500 110,234.71 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8451889 .2500 74,222.45 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8451891 .2500 421,168.64 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8451893 .2500 68,027.74 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8451895 .2500 52,897.26 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8451897 .2500 40,197.46 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8451899 .2500 48,338.96 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 1 8451901 .2500 54,176.62 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8451903 .2500 307,840.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8451905 .2500 296,856.84 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8451907 .2500 356,418.27 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8451909 .2500 306,281.43 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8451911 .2500 63,554.05 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8451913 .2500 134,489.68 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8451915 .2500 176,610.04 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 1 8451917 .2500 108,753.49 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8451919 .2500 158,873.32 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8451921 .2500 421,962.32 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8451925 .2500 61,996.49 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 8451927 .2500 214,523.65 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8451929 .2500 692,894.71 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8451931 .2500 40,066.64 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8451937 .2500 184,221.09 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 1 8451939 .2500 43,729.79 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8451941 .2500 165,399.98 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8451943 .2500 162,125.61 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8451945 .2500 132,688.64 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8451947 .2500 243,398.62 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 8451949 .2500 48,416.81 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8451951 .2500 90,491.65 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8451955 .2500 250,096.68 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 1 8451957 .2500 193,037.71 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8451961 .2500 298,604.80 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8451963 .2500 84,155.34 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8451965 .2500 375,987.30 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8451967 .2500 233,144.71 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8451969 .2500 203,525.73 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8451971 .2500 26,229.28 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 8451973 .2500 27,818.93 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 1 8451977 .2500 112,818.11 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8451979 .2500 98,014.93 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8451981 .2500 112,805.59 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8451983 .2500 58,401.13 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8451985 .2500 643,117.86 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8451987 .2500 553,254.10 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8451989 .2500 176,887.81 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8451991 .2500 497,962.32 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8451993 .2500 70,774.22 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8451997 .2500 124,165.29 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8451999 .2500 112,855.07 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8452001 .2500 324,540.04 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8452003 .2500 105,186.27 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8452005 .2500 23,134.89 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.5000 1.1700 8452007 .2500 593,647.25 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8452009 .2500 357,465.09 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8452011 .2500 64,570.56 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8452013 .2500 191,811.30 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 8452015 .2500 98,913.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8452017 .2500 415,553.07 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8452019 .2500 129,032.73 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8452021 .2500 147,117.32 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8452023 .2500 162,467.90 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8452025 .2500 159,714.70 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 1 8452027 .2500 494,470.91 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8452029 .2500 148,803.46 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8452031 .2500 94,943.96 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8452033 .2500 112,458.20 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8452035 .2500 42,572.71 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8452037 .2500 96,366.73 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8452039 .2500 517,647.95 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8452041 .2500 244,285.92 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8452043 .2500 50,189.60 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8452045 .2500 124,721.03 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8452047 .2500 27,818.93 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 8452049 .2500 203,892.24 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8452053 .2500 88,233.33 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 8452057 .2500 29,293.85 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8452091 .2500 130,320.14 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8452093 .2500 138,533.18 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8452095 .2500 47,512.79 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8452097 .2500 840,905.44 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8452101 .2500 93,570.12 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8452103 .2500 142,475.32 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8452107 .2500 46,682.78 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8452109 .2500 134,069.26 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8452111 .2500 181,082.66 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8452113 .2500 382,068.36 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 1 8452115 .2500 105,273.43 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8452117 .2500 84,542.32 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8452119 .2500 239,594.64 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8452127 .2500 494,706.03 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8452129 .2500 554,194.27 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8452131 .2500 51,443.60 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8452135 .2500 158,341.19 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8452137 .2500 99,280.84 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8452139 .2500 166,239.83 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8452141 .2500 164,315.01 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8452143 .2500 89,784.40 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8452147 .2500 108,142.74 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8452149 .2500 288,875.75 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8452151 .2500 73,248.86 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8452153 .2500 295,867.30 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8452155 .2500 295,867.30 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8452157 .2500 85,655.36 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8452159 .2500 198,606.45 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8452161 .2500 173,114.42 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8452163 .2500 98,952.27 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8452165 .2500 593,844.94 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8452169 .2500 182,072.19 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8452171 .2500 227,640.55 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8452173 .2500 135,792.21 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8452177 .2500 173,242.44 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8452179 .2500 320,950.96 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8452181 .2500 102,107.31 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8452183 .2500 121,149.93 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8452185 .2500 114,847.30 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8452187 .2500 964,784.74 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8452189 .2500 85,855.20 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8452191 .2500 78,947.32 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8452193 .2500 70,065.73 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8452195 .2500 79,440.72 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8452197 .2500 289,192.35 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8452199 .2500 138,517.68 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8452201 .2500 74,716.52 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8452203 .2500 473,350.58 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 8452205 .2500 103,598.41 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8452207 .2500 76,490.09 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8452209 .2500 76,490.09 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8452213 .2500 76,490.09 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8452215 .2500 223,415.61 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8452217 .2500 197,969.92 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8452219 .2500 454,438.96 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8452221 .2500 167,211.60 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8452223 .2500 155,966.10 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8452225 .2500 357,863.18 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 1 8452227 .2500 93,047.11 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8452229 .2500 144,982.70 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8452231 .2500 47,664.56 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8452233 .2500 51,633.69 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8452235 .2500 59,364.72 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8452239 .2500 71,748.35 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8452241 .2500 608,556.53 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8452243 .2500 495,136.59 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 1 8452331 .2500 519,499.45 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8452751 .2500 64,300.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8452755 .2500 82,700.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8452759 .2500 57,250.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8452773 .2500 75,800.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8452777 .2500 46,200.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 8452779 .2500 67,500.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8452931 .2500 223,000.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 1 8452995 .2500 165,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8453005 .2500 94,320.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8453013 .2500 106,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8453031 .2500 76,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8453045 .2500 176,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8453097 .2500 193,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8453109 .2500 148,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8453117 .2500 90,900.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 1 8453125 .2500 33,750.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8453149 .2500 88,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8453161 .2500 208,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8453459 .2500 44,348.61 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8453823 .2500 48,700.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8454143 .2500 169,427.80 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8454491 .2500 179,381.06 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8454589 .2500 360,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8454661 .2500 35,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 8454731 .2500 54,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8454813 .2500 154,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8456587 .2500 145,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8456595 .2500 81,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8456733 .2500 138,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8456739 .2500 105,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8456849 .2500 309,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 1 8456861 .2500 363,704.32 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8456863 .2500 75,100.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8456865 .2500 227,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8456867 .2500 220,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8456869 .2500 234,000.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8456891 .2500 322,700.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8456903 .2500 117,000.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8456919 .2500 159,413.79 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 1 8456931 .2500 100,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8456933 .2500 322,700.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8456947 .2500 80,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8456955 .2500 214,220.52 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8456957 .2500 144,490.69 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8456977 .2500 110,000.00 .0300 4.8750 .0000 4.6250 .0000 4.5950 .0000 4.5950 .0000 8456981 .2500 300,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8456985 .2500 290,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 1 8456991 .2500 222,000.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8456993 .2500 290,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8456995 .2500 169,450.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8457001 .2500 250,000.00 .0300 4.8750 .0000 4.6250 .0000 4.5950 .0000 4.5950 .0000 8457003 .2500 296,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8457023 .2500 185,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8457025 .2500 291,000.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8457027 .2500 336,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8457031 .2500 210,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8457035 .2500 180,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8457039 .2500 184,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8457043 .2500 253,000.00 .0300 5.0000 .0000 4.7500 .0000 4.7200 .0000 4.7200 .0000 8457049 .2500 528,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8457051 .2500 180,343.79 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8457081 .2500 240,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8457099 .2500 149,000.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 1 8457105 .2500 220,000.00 .0300 5.1250 .0000 4.8750 .0000 4.8450 .0000 4.8450 .0000 8458173 .2500 104,300.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8458179 .2500 65,250.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8458185 .2500 136,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8458205 .2500 94,900.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8458227 .2500 144,500.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8458229 .2500 44,950.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8458257 .2500 79,900.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8458261 .2500 79,900.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8458263 .2500 77,600.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8458265 .2500 111,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8458325 .2500 76,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8458331 .2500 57,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8458335 .2500 58,400.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8458351 .2500 47,800.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8458359 .2500 72,700.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8458953 .2500 50,400.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8459003 .2500 259,200.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8459019 .2500 97,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8459075 .2500 140,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8459123 .2500 105,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8459143 .2500 133,500.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8459183 .2500 170,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8459323 .2500 186,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 1 8459383 .2500 600,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8459481 .2500 206,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8459513 .2500 141,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8459529 .2500 93,750.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8459543 .2500 187,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8459555 .2500 48,750.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8460897 .2500 210,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8461311 .2500 134,530.83 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8461423 .2500 100,445.95 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8461493 .2500 54,214.93 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8461513 .2500 52,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8461625 .2500 80,154.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8461967 .2500 144,490.69 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8461973 .2500 179,553.53 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8462027 .2500 321,542.31 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8462029 .2500 199,304.93 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8462043 .2500 298,946.27 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8462045 .2500 308,887.87 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8462051 .2500 177,354.66 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8462053 .2500 320,869.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8462059 .2500 93,673.32 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8462061 .2500 224,226.32 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8462075 .2500 126,572.53 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8462083 .2500 239,174.74 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 1 8462085 .2500 139,503.03 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8462087 .2500 249,121.89 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8462089 .2500 443,436.96 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8462093 .2500 321,578.51 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8462099 .2500 175,000.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8462111 .2500 131,516.38 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8462117 .2500 268,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8462119 .2500 177,381.39 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8462129 .2500 235,402.45 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8462131 .2500 322,700.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8462135 .2500 269,051.64 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8462139 .2500 174,372.18 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8462141 .2500 297,938.60 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8462147 .2500 145,453.77 .0300 5.0000 .0000 4.7500 .0000 4.7200 .0000 4.7200 .0000 8462149 .2500 331,805.36 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8462157 .2500 130,000.00 .0300 5.0000 .0000 4.7500 .0000 4.7200 .0000 4.7200 .0000 1 8462159 .2500 219,202.39 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8462165 .2500 317,369.38 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8462171 .2500 229,166.14 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8462173 .2500 197,289.67 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8462183 .2500 74,728.09 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8462189 .2500 228,169.76 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8464303 .2500 94,500.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8464305 .2500 152,500.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8464313 .2500 106,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8464319 .2500 77,100.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8464321 .2500 60,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8464333 .2500 162,500.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8464337 .2500 120,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8464349 .2500 98,850.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8464593 .2500 197,200.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8464643 .2500 25,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8464649 .2500 161,600.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8464691 .2500 175,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8464723 .2500 64,500.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8464727 .2500 36,500.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8464753 .2500 35,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8464767 .2500 65,250.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8464771 .2500 66,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8464781 .2500 51,200.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 1 8464787 .2500 115,200.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8464789 .2500 172,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8464791 .2500 120,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8464977 .2500 355,705.70 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8464981 .2500 219,227.27 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8465125 .2500 274,034.08 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8465135 .2500 199,297.51 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8465227 .2500 174,372.18 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8465293 .2500 66,759.63 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8465485 .2500 99,625.88 .0300 5.0000 .0000 4.7500 .0000 4.7200 .0000 4.7200 .0000 8465489 .2500 90,000.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8465495 .2500 61,775.22 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8465505 .2500 230,417.41 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8465509 .2500 74,222.45 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8465517 .2500 159,432.03 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8465635 .2500 387,200.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 1 8465639 .2500 86,697.65 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8465739 .2500 132,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8465783 .2500 232,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8465859 .2500 116,600.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8465877 .2500 45,000.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8465903 .2500 83,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8465907 .2500 56,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8465917 .2500 14,250.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 1 8466095 .2500 114,720.81 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8466153 .2500 107,200.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8466211 .2500 164,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8466433 .2500 392,500.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8466767 .2500 199,200.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8466819 .2500 47,300.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8466829 .2500 297,500.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8466841 .2500 154,900.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 1 8466845 .2500 72,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8466863 .2500 85,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8467075 .2500 96,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8467101 .2500 55,200.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8467105 .2500 50,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8467125 .2500 74,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8467135 .2500 198,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8467173 .2500 100,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8467179 .2500 135,028.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8467185 .2500 267,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8467199 .2500 101,840.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8467221 .2500 82,500.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8467229 .2500 101,500.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8467257 .2500 38,500.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8467259 .2500 275,000.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8467261 .2500 148,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 1 8467267 .2500 158,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8467291 .2500 302,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8467295 .2500 56,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8467297 .2500 60,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8467303 .2500 272,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8467365 .2500 99,000.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8467375 .2500 164,400.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8467419 .2500 127,500.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 1 8467759 .2500 252,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8467771 .2500 145,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8468095 .2500 135,100.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8468253 .2500 97,500.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8469453 .2500 64,800.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8470611 .2500 92,800.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8472493 .2500 68,000.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8472665 .2500 100,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8472677 .2500 113,500.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8472683 .2500 300,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8472691 .2500 107,500.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8472693 .2500 56,800.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8472697 .2500 71,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8472703 .2500 77,800.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8472719 .2500 170,050.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8472731 .2500 235,500.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8472981 .2500 130,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8472985 .2500 285,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8473105 .2500 437,400.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8473113 .2500 144,400.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8473139 .2500 90,250.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8473269 .2500 148,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8473399 .2500 104,800.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8473439 .2500 420,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8473547 .2500 123,150.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8473827 .2500 88,500.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8473831 .2500 129,300.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8473859 .2500 275,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8473863 .2500 183,500.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8473955 .2500 322,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8474035 .2500 229,500.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8474097 .2500 86,400.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 1 8474181 .2500 499,500.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8474229 .2500 321,625.40 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8474335 .2500 76,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8474349 .2500 442,400.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8474385 .2500 55,813.51 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8474387 .2500 84,716.94 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8474389 .2500 52,823.50 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8474391 .2500 87,195.91 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8474395 .2500 92,577.13 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8474401 .2500 108,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8474403 .2500 422,510.73 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8474985 .2500 111,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8474989 .2500 161,500.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8475007 .2500 157,500.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8475009 .2500 82,500.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8475021 .2500 143,200.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8475025 .2500 202,500.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8475031 .2500 238,800.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8475047 .2500 39,800.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 8475057 .2500 110,100.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8475061 .2500 99,300.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8475087 .2500 47,800.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8475093 .2500 160,600.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8475103 .2500 54,300.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8475113 .2500 50,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8475143 .2500 90,800.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8475145 .2500 49,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8475161 .2500 196,900.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8475167 .2500 98,600.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8475233 .2500 316,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8475273 .2500 31,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8475279 .2500 448,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8475287 .2500 207,750.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8475337 .2500 122,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8475401 .2500 100,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8475413 .2500 29,990.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8475421 .2500 135,700.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8475423 .2500 284,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8475435 .2500 360,500.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8476473 .2500 80,287.52 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8476575 .2500 352,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8476587 .2500 371,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8476611 .2500 354,200.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8476651 .2500 358,635.87 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8476939 .2500 102,400.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8476951 .2500 90,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8477095 .2500 157,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8477413 .2500 91,500.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 1 8477779 .2500 72,800.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8477819 .2500 53,400.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8477867 .2500 147,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8477885 .2500 244,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8477899 .2500 134,925.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8477911 .2500 198,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8477971 .2500 123,500.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8477993 .2500 53,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 1 8478451 .2500 123,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8478491 .2500 145,120.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8478693 .2500 68,600.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8478859 .2500 320,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8480333 .2500 221,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8480571 .2500 188,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8480737 .2500 35,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8480791 .2500 110,500.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8480859 .2500 112,200.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8480873 .2500 94,500.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8480889 .2500 198,050.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8480917 .2500 87,694.17 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8481093 .2500 184,400.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8481405 .2500 39,858.01 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8481659 .2500 108,000.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8482089 .2500 201,300.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8482171 .2500 115,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8482207 .2500 65,369.58 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8483467 .2500 99,700.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8483697 .2500 182,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8483759 .2500 191,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8483773 .2500 90,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8483861 .2500 244,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8483867 .2500 136,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8483881 .2500 101,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8483895 .2500 55,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8483909 .2500 71,500.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8483915 .2500 148,500.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8483953 .2500 93,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8484009 .2500 65,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8484025 .2500 82,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8484051 .2500 152,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8484053 .2500 101,300.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8484055 .2500 58,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8484065 .2500 39,600.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8484083 .2500 107,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8484087 .2500 180,000.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8484091 .2500 200,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8484093 .2500 106,400.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8484141 .2500 126,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8484153 .2500 130,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8484175 .2500 46,000.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8484177 .2500 101,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8484211 .2500 101,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8484213 .2500 101,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8484221 .2500 81,900.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8484657 .2500 181,500.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8485693 .2500 88,500.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8485765 .2500 182,400.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8485823 .2500 38,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8485983 .2500 84,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8485995 .2500 360,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8486001 .2500 155,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8486111 .2500 77,500.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8486131 .2500 166,407.18 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8486151 .2500 68,300.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8486215 .2500 148,800.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8486243 .2500 53,000.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8486247 .2500 250,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8486251 .2500 200,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8486385 .2500 568,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8487395 .2500 145,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8487407 .2500 300,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8487419 .2500 591,750.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8487429 .2500 195,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8487453 .2500 39,648.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8487483 .2500 740,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8487549 .2500 368,500.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8487693 .2500 64,200.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8488011 .2500 607,063.39 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8488083 .2500 485,787.69 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8488085 .2500 647,716.91 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 1 8488093 .2500 393,612.59 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8488901 .2500 209,600.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8488941 .2500 53,900.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8489089 .2500 494,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8489233 .2500 96,300.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8489257 .2500 155,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8489259 .2500 81,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8489267 .2500 212,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 1 8489579 .2500 90,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8489591 .2500 87,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8489625 .2500 230,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8489655 .2500 231,120.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8490297 .2500 236,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8490473 .2500 225,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8490539 .2500 150,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8490559 .2500 82,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 1 8490711 .2500 252,000.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8490715 .2500 49,300.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 8491093 .2500 138,500.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8491171 .2500 118,500.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8491217 .2500 159,700.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8491433 .2500 101,900.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8491437 .2500 228,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8491789 .2500 115,986.17 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8491795 .2500 187,353.54 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8491799 .2500 29,939.91 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8491803 .2500 64,937.24 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8491807 .2500 70,474.30 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8491811 .2500 106,616.14 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8491817 .2500 94,536.66 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8491821 .2500 55,834.41 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8491825 .2500 83,198.97 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8491829 .2500 218,232.91 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8491833 .2500 110,564.23 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8491837 .2500 99,648.75 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8491841 .2500 94,358.80 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8491845 .2500 104,635.08 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8491849 .2500 277,836.74 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8491853 .2500 101,010.89 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8491905 .2500 297,842.55 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8491911 .2500 85,381.52 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8491917 .2500 93,876.08 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8491923 .2500 236,355.56 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8491929 .2500 98,913.87 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8491933 .2500 123,189.49 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 8491939 .2500 89,876.04 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8491943 .2500 125,103.34 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8491951 .2500 139,513.45 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8491955 .2500 104,268.30 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8491959 .2500 140,898.05 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8491963 .2500 44,709.02 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 8491967 .2500 99,751.25 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8491973 .2500 199,312.28 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8491977 .2500 144,479.80 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8491981 .2500 125,603.27 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8491985 .2500 87,267.14 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8491989 .2500 59,614.36 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 8491993 .2500 125,519.27 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8491997 .2500 156,842.52 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8492001 .2500 58,496.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8492005 .2500 110,179.83 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8492009 .2500 298,225.87 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8492011 .2500 119,582.95 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8492015 .2500 50,394.14 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 1 8492019 .2500 70,520.78 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8492023 .2500 296,856.84 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8492027 .2500 142,867.37 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8492031 .2500 39,218.90 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8492035 .2500 207,496.98 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8492039 .2500 140,038.15 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8492045 .2500 188,662.08 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8492049 .2500 87,730.06 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8492053 .2500 184,461.40 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8492057 .2500 88,379.30 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8492063 .2500 119,777.80 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8492067 .2500 95,862.46 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8492071 .2500 95,862.46 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8492075 .2500 60,790.24 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8492081 .2500 134,560.05 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8492083 .2500 135,351.58 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 1 8492087 .2500 298,935.05 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8492091 .2500 109,225.39 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8492097 .2500 107,048.87 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8492101 .2500 247,186.36 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8492105 .2500 102,910.94 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8492107 .2500 51,656.45 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8492115 .2500 265,951.32 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8492119 .2500 45,805.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 1 8492125 .2500 69,467.85 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8492127 .2500 44,030.21 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8492133 .2500 47,290.28 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8492137 .2500 75,724.31 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8492139 .2500 106,453.06 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8492173 .2500 313,370.59 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8492175 .2500 102,289.87 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8492181 .2500 34,874.44 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 1 8492187 .2500 100,785.26 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8492193 .2500 63,586.14 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 8492199 .2500 148,000.16 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8492201 .2500 39,727.14 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8492315 .2500 181,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8492415 .2500 113,052.78 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8492417 .2500 397,300.25 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8492419 .2500 106,984.18 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8492423 .2500 364,415.68 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8492425 .2500 357,295.45 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8492427 .2500 397,242.26 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8492429 .2500 119,364.68 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 8492431 .2500 288,863.01 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8492433 .2500 97,735.87 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8492435 .2500 513,149.43 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8492451 .2500 286,035.40 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 1 8492453 .2500 357,411.06 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8492455 .2500 39,114.86 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8492457 .2500 59,802.33 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8492461 .2500 367,397.21 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8492469 .2500 151,460.42 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8492685 .2500 179,354.25 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8492999 .2500 55,300.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8493153 .2500 172,500.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8493265 .2500 400,000.00 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8495379 .2500 52,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8495427 .2500 292,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8495839 .2500 52,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8495937 .2500 206,065.90 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8496331 .2500 195,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8497415 .2500 131,500.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8497777 .2500 169,600.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8497831 .2500 100,000.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8498105 .2500 355,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8498505 .2500 162,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8498587 .2500 262,500.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8498899 .2500 153,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8498971 .2500 60,100.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8499459 .2500 146,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8502215 .2500 362,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8502491 .2500 119,608.91 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.5000 .7950 8502505 .2500 180,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8502585 .2500 63,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8502619 .2500 244,139.46 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8502781 .2500 77,900.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8502821 .2500 117,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8502841 .2500 48,000.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8505813 .2500 85,000.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 1 8507033 .2500 318,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8507059 .2500 61,400.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 8507063 .2500 152,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8507135 .2500 344,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8507183 .2500 260,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8507213 .2500 290,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8507233 .2500 156,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8507247 .2500 110,300.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 1 8508139 .2500 175,700.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 8508223 .2500 80,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8508231 .2500 109,238.94 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.5000 .6700 8508321 .2500 207,000.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8508861 .2500 75,050.00 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8509065 .2500 320,370.59 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.5000 .9200 8509735 .2500 150,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8510695 .2500 70,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.5000 .2950 1 8511103 .2500 111,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8511951 .2500 90,000.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.5000 .1700 8514961 .2500 200,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8517335 .2500 39,500.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.5000 .4200 8519511 .2500 44,200.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.5000 .5450 8530473 .2500 257,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.5000 .0450 TOTAL NUMBER OF LOANS: 1580 TOTAL BALANCE........: 262,018,495.17 RUN ON : 03/21/03 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 07.21.09 INITIAL SECURITY FEES AMORTIZED BALANCE SERIES : RALI 2003-QS5 FIXED SUMMARY REPORT CUTOFF : 03/01/03 POOL : 0004668 : : POOL STATUS: F WEIGHTED AVERAGES FROM TO --------------------------------------------------------------------------- CURR NOTE RATE 5.8319 4.8750 9.2500 RFC NET RATE 5.5819 4.6250 9.0000 NET MTG RATE(INVSTR RATE) 5.5289 4.5950 8.9200 POST STRIP RATE 5.3953 4.5950 5.5000 SUB SERV FEE .2500 .2500 .2500 MSTR SERV FEE .0530 .0300 .0800 ALL EXP .0000 .0000 .0000 MISC EXP .0000 .0000 .0000 SPREAD .0000 .0000 .0000 STRIP .1336 .0000 3.4200 TOTAL NUMBER OF LOANS: 1580 TOTAL BALANCE........: 262,018,495.17 *************************** * END OF REPORT * *************************** RUN ON : 03/21/03 RFC DISCLOSURE SYSTEM RFFSD177-01 AT : 07.21.09 FIXED RATE LOAN LISTING AMORTIZED BALANCE SERIES : RALI 2003-QS5 CUTOFF : 03/01/03 POOL : 0004668 : : 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 # ______________________________________________________________________________ 2965727 737/G02 F 118,000.00 ZZ 180 103,779.88 1 9.250 1,214.45 72 9.000 1,214.45 HANCEVILLE AL 35077 4 10/08/99 00 0431550292 05 12/01/99 0 955829 O 11/01/14 0 4346468 E22/G02 F 45,000.00 ZZ 180 41,757.81 1 8.750 449.75 75 8.500 449.75 HOUSTON TX 77086 5 02/16/01 00 0412383036 05 04/01/01 0 0412383036 N 03/01/16 0 5218248 W67/G02 F 143,200.00 ZZ 180 130,020.42 1 7.375 1,317.33 80 7.125 1,317.33 YUCAIPA CA 92399 5 03/12/01 00 0433103637 05 05/01/01 0 46300052 O 04/01/16 0 5405462 K81/G02 F 60,300.00 ZZ 180 56,911.01 1 7.750 567.59 90 7.500 567.59 ORLANDO FL 32808 5 08/30/01 11 0433470416 05 10/01/01 12 1 6200100 O 09/01/16 0 6880684 601/G02 F 101,400.00 ZZ 180 60,605.68 1 6.500 883.31 62 6.250 883.31 SOUTH PADRE ISL TX 78597 2 11/07/01 00 0433442837 05 01/01/02 0 6093193 O 12/01/16 0 6911111 E82/G02 F 82,400.00 ZZ 180 79,268.42 1 6.250 706.52 57 6.000 706.52 NORTH PROVIDENC RI 02904 2 03/11/02 00 0400601894 05 05/01/02 0 4603656 O 04/01/17 0 7064030 Q97/G02 F 562,500.00 ZZ 180 535,351.15 1 6.375 4,861.41 75 6.125 4,861.41 BALA CYNWYD PA 19004 5 12/05/01 00 0433497997 05 02/01/02 0 16111141 O 01/01/17 0 7071677 196/G02 F 157,000.00 ZZ 180 148,286.74 1 7.000 1,411.16 56 6.750 1,411.16 MIRAMAR FL 33027 2 03/05/02 00 0433850021 03 05/01/02 0 1498521 O 04/01/17 0 7106365 E22/G02 F 95,000.00 ZZ 180 91,844.30 1 7.875 901.03 95 7.625 901.03 SPOKANE WA 99217 5 03/14/02 04 0413654195 05 05/01/02 25 0413654195 O 04/01/17 0 1 7139396 E22/G02 F 160,000.00 ZZ 180 152,027.38 1 7.000 1,438.13 80 6.750 1,438.13 SPRING TX 77379 5 12/17/01 00 0413349051 03 02/01/02 0 0413349051 O 01/01/17 0 7405031 K15/G02 F 300,400.00 ZZ 180 291,153.41 1 7.625 2,806.13 88 7.375 2,806.13 BOHEMIA NY 11716 5 04/15/02 11 0433933819 05 06/01/02 12 020805303274 O 05/01/17 0 7652597 313/G02 F 344,000.00 ZZ 180 331,451.03 1 6.750 3,044.09 80 6.500 3,044.09 WILLIAMSBURG VA 23185 2 03/26/02 00 0433972973 03 05/01/02 0 8612210 O 04/01/17 0 7695265 E22/G02 F 79,800.00 ZZ 180 77,397.87 1 6.625 700.64 98 6.375 700.64 WEST COLUMBIA SC 29170 2 05/09/02 01 0413991043 05 07/01/02 30 0413991043 O 06/01/17 0 7815653 642/G02 F 117,000.00 ZZ 180 113,331.64 1 7.250 1,068.05 100 7.000 1,068.05 PARK HALL MD 20667 2 06/24/02 10 0434229779 05 08/01/02 30 05195802 O 07/01/17 0 7888763 E82/G02 F 71,200.00 ZZ 180 69,427.70 1 6.875 635.00 53 6.625 635.00 1 NEWARK NJ 07106 2 07/26/02 00 0400643094 01 09/01/02 0 1862162 O 08/01/17 0 7888781 E82/G02 F 123,200.00 ZZ 180 120,217.74 1 6.375 1,064.76 84 6.125 1,064.76 CORAL GABLES FL 33133 2 07/22/02 04 0400640835 05 09/01/02 6 1882155 O 08/01/17 0 7940495 313/G02 F 64,000.00 ZZ 180 62,218.74 1 6.125 544.40 70 5.875 544.40 MESA AZ 85202 1 07/26/02 00 0434502282 01 09/01/02 0 0008842239 N 08/01/17 0 7944176 N47/G02 F 130,000.00 ZZ 180 124,864.78 1 6.875 1,159.41 70 6.625 1,159.41 CHINO HILLS CA 91709 2 02/21/02 00 0433826302 05 04/01/02 0 30320041 N 03/01/17 0 7964169 286/286 F 72,500.00 ZZ 120 69,396.87 1 6.250 814.03 73 6.000 814.03 MASON OH 45040 2 07/08/02 00 1355955 05 09/01/02 0 1355955 O 08/01/12 0 8001337 E22/G02 F 45,000.00 ZZ 180 44,098.37 1 6.500 392.00 90 6.250 392.00 SAN ANTONIO TX 78209 1 08/29/02 04 0414751529 01 10/01/02 25 0414751529 N 09/01/17 0 1 8004491 K15/G02 F 116,200.00 ZZ 180 114,014.96 1 7.250 1,060.75 73 7.000 1,060.75 MIDDLETOWN CT 06457 2 08/26/02 00 0434507547 05 10/01/02 0 037605315818 O 09/01/17 0 8011625 313/G02 F 170,100.00 ZZ 180 166,236.46 1 6.875 1,517.05 70 6.625 1,517.05 CHICAGO IL 60641 2 07/31/02 00 0434509477 05 09/01/02 0 8833824 O 08/01/17 0 8033579 G34/G02 F 83,450.00 ZZ 180 81,915.39 1 6.125 709.85 70 5.875 709.85 EULESS TX 76040 2 09/04/02 00 0435119052 05 11/01/02 0 85206694 O 10/01/17 0 8033909 E47/G02 F 106,250.00 ZZ 180 104,083.17 1 6.500 925.55 85 6.250 925.55 CHICAGO IL 60652 5 08/26/02 26 0434607388 05 10/01/02 25 7360513974 O 09/01/17 0 8049130 E82/G02 F 151,000.00 ZZ 180 143,787.54 1 7.250 1,378.42 57 7.000 1,378.42 MIAMI FL 33172 2 02/22/02 00 0400571998 03 04/01/02 0 0400571998 O 03/01/17 0 8054021 E45/G02 F 83,200.00 ZZ 180 81,533.01 1 1 6.500 724.76 80 6.250 724.76 LIVE OAK FL 32060 5 08/27/02 00 0434638581 05 10/01/02 0 261162 O 09/01/17 0 8072953 L76/G02 F 59,000.00 ZZ 120 56,711.57 1 5.500 640.31 19 5.250 640.31 SHOREWOOD MN 55331 5 09/20/02 00 0434668695 07 11/01/02 0 9507110 O 10/01/12 0 8074491 N74/G02 F 59,630.00 ZZ 180 58,409.97 1 6.250 511.28 89 6.000 511.28 CONWAY AR 72034 2 09/28/02 10 0434651410 05 10/28/02 25 0030818010 N 09/28/17 0 8077041 E45/G02 F 122,000.00 ZZ 180 119,666.16 1 5.750 1,013.10 72 5.500 1,013.10 HYATTSVILLE MD 20784 2 09/13/02 00 0434660452 05 11/01/02 0 273373 O 10/01/17 0 8100811 M27/G02 F 118,500.00 ZZ 180 116,372.55 1 6.000 999.97 57 5.750 999.97 EASLEY SC 29642 5 10/03/02 00 0435183504 05 12/01/02 0 0100052060 O 11/01/17 0 8101779 964/G02 F 102,000.00 ZZ 180 100,172.53 1 5.625 840.21 58 5.375 840.21 ARVADA CO 80005 5 09/25/02 00 0434697967 01 11/01/02 0 1 262273 O 10/01/17 0 8104237 E22/G02 F 347,500.00 ZZ 180 342,684.44 1 6.000 2,932.40 76 5.750 2,932.40 GAMBRILLS MD 21054 5 10/07/02 00 0414955278 03 12/01/02 0 0414955278 O 11/01/17 0 8141851 975/G02 F 168,500.00 ZZ 180 166,038.68 1 5.750 1,399.24 74 5.500 1,399.24 RIALTO CA 92376 2 10/04/02 00 0434802682 05 12/01/02 0 2023976 O 11/01/17 0 8146109 003/G02 F 101,600.00 ZZ 180 100,206.75 1 6.125 864.24 80 5.875 864.24 MONROE GA 30655 5 10/14/02 00 0435142575 05 12/01/02 0 0021796057 N 11/01/17 0 8147011 E82/G02 F 117,400.00 ZZ 180 110,696.95 1 5.875 982.78 52 5.625 982.78 HOUSTON TX 77042 2 10/24/02 00 0400700456 05 12/01/02 0 1695928 O 11/01/17 0 8149017 U42/G02 F 48,150.00 ZZ 180 47,482.73 1 6.000 406.32 90 5.750 406.32 GAINESVILLE TX 76240 1 10/11/02 12 0434841375 05 12/01/02 30 15201353 O 11/01/17 0 1 8161357 X64/G02 F 180,000.00 ZZ 180 177,388.90 1 5.875 1,506.81 80 5.625 1,506.81 REDFORD MI 48239 5 10/25/02 00 0434857835 05 12/01/02 0 I94214301 O 11/01/17 0 8162995 U05/G02 F 133,900.00 ZZ 180 131,703.57 1 5.750 1,111.92 61 5.500 1,111.92 PORTLAND OR 97231 5 10/21/02 00 0434870143 05 12/01/02 0 3275517 O 11/01/17 0 8166209 U05/G02 F 103,500.00 ZZ 180 102,035.40 2 5.750 859.47 51 5.500 859.47 LOS ANGELES CA 90018 2 10/18/02 00 0435177753 05 12/01/02 0 3270459 O 11/01/17 0 8169495 P59/G02 F 117,000.00 ZZ 180 115,042.14 1 5.750 971.58 81 5.500 971.58 LITTLEROCK AREA CA 93543 5 10/15/02 11 0434953618 05 12/01/02 6 AT004495 O 11/01/17 0 8172743 950/G02 F 99,720.00 ZZ 180 98,228.22 1 6.000 841.49 65 5.750 841.49 BREMERTON WA 98311 2 10/29/02 00 0434895231 05 12/01/02 0 E7210025 N 11/01/17 0 8178653 M27/G02 F 460,000.00 ZZ 180 453,558.22 1 5.875 3,850.75 21 5.625 3,850.75 1 CHARLOTTE NC 28207 5 10/22/02 00 0435122528 05 12/01/02 0 0100083115 O 11/01/17 0 8179747 M27/G02 F 107,000.00 ZZ 180 105,578.50 1 6.500 932.08 74 6.250 932.08 GALLATIN TN 37066 5 10/22/02 00 0434907671 05 12/01/02 0 5000034014 O 11/01/17 0 8181931 975/G02 F 160,000.00 ZZ 180 157,620.05 2 6.000 1,350.17 55 5.750 1,350.17 LONG BEACH CA 90813 5 10/21/02 00 0434897641 05 12/01/02 0 2023351 O 11/01/17 0 8182683 G34/G02 F 98,800.00 ZZ 180 97,416.44 1 5.875 827.07 71 5.625 827.07 AUSTIN TX 78727 5 10/25/02 00 0434972436 05 12/01/02 0 85207679 O 11/01/17 0 8183093 964/G02 F 355,000.00 ZZ 180 349,936.73 1 5.750 2,947.96 53 5.500 2,947.96 GOLDEN CO 80403 5 10/18/02 00 0434858163 03 12/01/02 0 258614 O 11/01/17 0 8183103 964/G02 F 295,000.00 ZZ 180 290,868.87 1 5.875 2,469.50 78 5.625 2,469.50 MOUNTAIN VIEW CA 94043 5 10/09/02 00 0435136353 01 12/01/02 0 271090 O 11/01/17 0 1 8184591 X31/G02 F 135,000.00 ZZ 180 133,069.57 1 5.625 1,112.04 80 5.375 1,112.04 FONTANA CA 92337 5 10/25/02 00 0434889424 05 12/01/02 0 24000458 O 11/01/17 0 8186189 286/286 F 128,400.00 T 180 125,799.14 1 6.375 1,109.70 80 6.125 1,109.70 ORLANDO FL 32826 1 09/13/02 00 1562647 03 11/01/02 0 1562647 O 10/01/17 0 8186311 286/286 F 50,000.00 ZZ 180 48,781.98 1 5.750 415.21 32 5.500 415.21 LAS VEGAS NV 89103 5 09/08/02 00 1539870 05 11/01/02 0 1539870 O 10/01/17 0 8186875 742/G02 F 36,414.00 ZZ 180 35,935.36 2 6.625 319.71 85 6.375 319.71 NEWBURGH NY 12550 1 10/29/02 11 0434937090 05 12/01/02 20 8788275 N 11/01/17 0 8188061 313/G02 F 53,500.00 ZZ 180 52,408.17 1 6.875 477.15 83 6.625 477.15 MEMPHIS TN 38109 2 08/23/02 02 0434868071 05 10/01/02 12 8823361 N 09/01/17 0 8188201 601/G02 F 120,800.00 ZZ 180 119,143.47 1 1 6.125 1,027.56 80 5.875 1,027.56 NOKOMIS FL 34275 1 10/25/02 00 0435305255 05 12/01/02 0 6203791 O 11/01/17 0 8189265 N74/G02 F 38,400.00 ZZ 180 38,038.34 1 7.125 347.84 80 6.875 347.84 CORPUS CHRISTI TX 78410 5 10/30/02 00 0434973608 05 01/01/03 0 831 O 12/01/17 0 8194921 L03/G02 F 110,000.00 ZZ 180 108,491.58 1 6.125 935.69 74 5.875 935.69 GLENDALE AZ 85304 1 10/03/02 00 0434951513 05 12/01/02 0 40007205 O 11/01/17 0 8198137 E47/G02 F 100,000.00 ZZ 180 98,657.34 1 6.375 864.25 23 6.125 864.25 SAN RAMON CA 94583 5 10/10/02 00 0435110655 05 12/01/02 0 7359520648 O 11/01/17 0 8199775 M27/G02 F 1,000,000.00 ZZ 180 985,996.19 1 5.875 8,371.18 58 5.625 8,371.18 WRIGHTSVILLE BE NC 28480 2 10/17/02 00 0435112685 05 12/01/02 0 0100025166 O 11/01/17 0 8202107 X10/G02 F 134,000.00 ZZ 180 132,581.22 1 5.750 1,112.75 52 5.500 1,112.75 HOUSTON TX 77002 5 11/04/02 00 0435112701 05 01/01/03 0 1 60000239 O 12/01/17 0 8203183 E57/G02 F 129,000.00 ZZ 180 127,648.45 1 5.875 1,079.88 72 5.625 1,079.88 INGLEWOOD CA 90304 5 11/01/02 00 0434960498 05 01/01/03 0 06010940 O 12/01/17 0 8203995 F89/G02 F 126,800.00 ZZ 180 125,024.30 1 5.875 1,061.47 71 5.625 1,061.47 PALMDALE CA 93550 2 10/31/02 00 0434964524 05 12/01/02 0 1061033129 N 11/01/17 0 8205373 E47/G02 F 145,500.00 ZZ 180 140,768.48 1 6.250 1,247.55 58 6.000 1,247.55 BYRON CA 94514 2 10/16/02 00 0435248646 09 12/01/02 0 7359520558 N 11/01/17 0 8208203 883/G02 F 175,000.00 ZZ 180 173,223.17 1 6.250 1,500.49 73 6.000 1,500.49 SALEM AL 36874 5 10/31/02 00 0434960977 05 01/01/03 0 05019183 O 12/01/17 0 8214263 E47/G02 F 126,907.00 ZZ 180 125,111.12 1 5.750 1,053.85 68 5.500 1,053.85 MATTHEWS NC 28105 2 10/29/02 00 0435260351 05 12/01/02 0 7350510409 O 11/01/17 0 1 8217135 E84/G02 F 58,700.00 ZZ 180 57,886.57 1 6.000 495.34 90 5.750 495.34 WALDORF MD 20601 1 10/22/02 10 0434970331 01 12/01/02 30 70407230 N 11/01/17 0 8219021 K15/G02 F 105,000.00 ZZ 180 103,989.56 1 6.875 936.45 95 6.625 936.45 SPRINGFIELD NH 03284 5 11/11/02 41 0435116033 05 01/01/03 25 033605505584 O 12/01/17 0 8220173 X07/G02 F 181,500.00 ZZ 180 179,696.47 1 6.500 1,581.06 75 6.250 1,581.06 MILWAUKEE WI 53216 1 11/15/02 00 0435004544 05 01/01/03 0 6910000811 O 12/01/17 0 8220257 624/G02 F 110,000.00 ZZ 180 108,871.57 2 6.125 935.69 74 5.875 935.69 FONTANA CA 92335 5 10/28/02 00 0434956074 05 01/01/03 0 1000014355 O 12/01/17 0 8221441 601/G02 F 49,600.00 ZZ 180 48,941.06 1 6.500 432.07 80 6.250 432.07 SIOUX FALLS SD 57103 1 11/04/02 00 0434956355 05 12/01/02 0 62042395 O 11/01/17 0 8221445 601/G02 F 73,600.00 ZZ 180 72,868.63 1 6.500 641.14 80 6.250 641.14 1 OGDEN UT 84401 1 11/06/02 00 0434956504 05 01/01/03 0 6213093 N 12/01/17 0 8222055 952/G02 F 235,000.00 ZZ 180 231,777.47 1 6.125 1,998.97 68 5.875 1,998.97 MIDDLETOWN NY 10941 5 11/01/02 00 0434988986 05 12/01/02 0 20027184 O 11/01/17 0 8222545 M27/G02 F 102,100.00 ZZ 180 100,655.17 1 5.750 847.85 95 5.500 847.85 CHARLOTTE NC 28213 1 10/31/02 01 0435093364 05 12/01/02 30 0100067066 O 11/01/17 0 8223307 K15/G02 F 54,000.00 ZZ 180 53,451.04 1 6.375 466.70 90 6.125 466.70 PENSACOLA FL 32505 5 11/08/02 41 0434999108 05 01/01/03 12 009305503960 O 12/01/17 0 8228589 X08/G02 F 76,800.00 T 180 75,680.62 1 5.625 632.63 80 5.375 632.63 MESQUITE NV 89027 2 10/30/02 00 0434998829 01 12/01/02 0 2800166 O 11/01/17 0 8231057 E22/G02 F 33,500.00 ZZ 180 33,167.10 1 6.500 291.82 63 6.250 291.82 KANSAS CITY MO 64110 5 11/22/02 00 0415328145 05 01/01/03 0 0415328145 N 12/01/17 0 1 8237391 286/286 F 104,000.00 ZZ 180 100,678.88 1 6.000 877.62 35 5.750 877.62 ORLANDO FL 32806 2 09/24/02 00 1536996 05 11/01/02 0 1536996 O 10/01/17 0 8237679 286/286 F 136,700.00 ZZ 180 128,012.32 1 5.750 1,135.17 33 5.500 1,135.17 POTOMAC MD 20854 2 10/16/02 00 0001252488 05 12/01/02 0 0001252488 O 11/01/17 0 8238571 E47/G02 F 345,000.00 ZZ 180 341,385.36 1 5.875 2,888.06 78 5.625 2,888.06 TRACY CA 95304 2 11/07/02 00 0435110812 05 01/01/03 0 7359520464 O 12/01/17 0 8239299 L76/G02 F 300,700.00 ZZ 180 297,379.37 1 5.500 2,456.97 64 5.250 2,456.97 EDEN PRAIRIE MN 55347 2 11/22/02 00 0435061882 05 01/01/03 0 9507317 O 12/01/17 0 8239583 K15/G02 F 37,400.00 ZZ 180 35,566.29 1 6.250 320.68 25 6.000 320.68 ANDOVER NH 03216 5 11/11/02 00 0435004353 05 01/01/03 0 033305505657 O 12/01/17 0 8240135 964/G02 F 349,000.00 ZZ 180 345,265.91 1 1 5.625 2,874.82 72 5.375 2,874.82 FRESNO CA 93711 2 11/12/02 00 0435281977 03 01/01/03 0 286666 O 12/01/17 0 8240957 A06/G02 F 152,000.00 ZZ 180 150,424.14 1 6.000 1,282.67 80 5.750 1,282.67 LATHRUP VILLAGE MI 48076 5 11/20/02 00 0435002860 05 01/01/03 0 021000020227587 O 12/01/17 0 8241523 W02/G02 F 136,800.00 ZZ 180 134,904.24 1 6.000 1,154.40 90 5.750 1,154.40 SARASOTA FL 34235 5 10/22/02 11 0435204854 05 12/01/02 12 1001655448 O 11/01/17 0 8242350 514/G02 F 44,000.00 ZZ 180 40,649.55 2 7.375 404.77 80 7.125 404.77 COLLINGDALE PA 19023 1 09/18/01 00 0433839040 05 11/01/01 0 608151 O 10/01/16 0 8242392 514/G02 F 105,500.00 ZZ 180 99,974.84 1 6.250 904.58 80 6.000 904.58 RANDOLPH TX 75475 5 11/14/01 00 0433775426 05 01/01/02 0 804110 O 12/01/16 0 8242645 E22/G02 F 110,000.00 ZZ 180 108,871.57 1 6.125 935.69 55 5.875 935.69 ROSELLE IL 60172 2 11/22/02 00 0415014554 05 01/01/03 0 1 0415014554 O 12/01/17 0 8242977 E22/G02 F 102,400.00 ZZ 180 101,304.38 1 5.625 843.50 80 5.375 843.50 COLORADO SPRING CO 80916 2 11/22/02 00 0415358050 05 01/01/03 0 0415358050 O 12/01/17 0 8243741 A06/G02 F 570,000.00 ZZ 180 563,964.91 1 5.750 4,733.34 29 5.500 4,733.34 ORCHARD LAKE MI 48323 5 11/21/02 00 0435004775 05 01/01/03 0 021000020229705 O 12/01/17 0 8248951 E82/G02 F 114,000.00 ZZ 180 113,197.24 1 5.750 946.67 69 5.500 946.67 SACRAMENTO CA 95829 2 11/22/02 00 0400729299 05 02/01/03 0 2805755 O 01/01/18 0 8249179 883/G02 F 139,500.00 ZZ 180 138,143.11 2 6.750 1,234.45 53 6.500 1,234.45 ORLANDO FL 32801 2 11/22/02 00 0435077524 05 01/01/03 0 05018694 N 12/01/17 0 8249529 E22/G02 F 400,000.00 ZZ 180 395,809.14 1 5.875 3,348.47 80 5.625 3,348.47 FRANKLIN TN 37067 1 11/14/02 00 0415402452 03 01/01/03 0 0415402452 O 12/01/17 0 1 8251101 E82/G02 F 99,930.00 ZZ 180 99,233.72 1 5.875 836.53 61 5.625 836.53 JERICHO VT 05465 2 11/27/02 00 0400734653 05 02/01/03 0 8111950 O 01/01/18 0 8251123 E82/G02 F 77,650.00 ZZ 180 76,758.98 1 5.875 650.02 53 5.625 650.02 LAS VEGAS NV 89102 2 11/27/02 00 0400730602 05 02/01/03 0 0400730602 O 01/01/18 0 8251267 U05/G02 F 125,500.00 ZZ 180 124,198.89 1 6.000 1,059.04 24 5.750 1,059.04 POMPANO BEACH FL 33060 5 11/15/02 00 0435139795 05 01/01/03 0 3274290 O 12/01/17 0 8251699 W02/G02 F 72,000.00 ZZ 180 71,229.61 1 5.625 593.09 80 5.375 593.09 BAYONET POINT FL 34667 5 11/15/02 00 0435142583 05 01/01/03 0 1001772797 O 12/01/17 0 8251831 822/G02 F 290,000.00 ZZ 180 285,835.87 1 5.875 2,427.65 63 5.625 2,427.65 HORSHAM PA 19044 2 11/22/02 00 0435119136 05 01/01/03 0 3636078259 O 12/01/17 0 8253763 E22/G02 F 135,000.00 ZZ 180 132,135.54 1 5.500 1,103.06 27 5.250 1,103.06 1 SAN JOSE CA 95138 2 11/15/02 00 0415296581 05 01/01/03 0 0415296581 O 12/01/17 0 8253909 E22/G02 F 300,650.00 ZZ 180 297,399.41 1 5.500 2,456.56 67 5.250 2,456.56 GLEN COVE NY 11542 5 11/27/02 00 0415449958 05 01/01/03 0 0415449958 O 12/01/17 0 8255611 P27/G02 F 139,500.00 ZZ 180 138,038.44 1 5.875 1,167.78 59 5.625 1,167.78 VISTA CA 92084 5 11/18/02 00 0435066519 05 01/01/03 0 7702056638 O 12/01/17 0 8256689 E22/G02 F 124,000.00 ZZ 180 122,727.97 1 6.125 1,054.77 66 5.875 1,054.77 DUARTE CA 91010 2 11/22/02 00 0415370477 05 01/01/03 0 0415370477 O 12/01/17 0 8259463 U05/G02 F 135,000.00 ZZ 180 133,570.65 1 5.750 1,121.05 62 5.500 1,121.05 BELLFLOWER CA 90706 2 11/21/02 00 0435065487 05 01/01/03 0 3281083 O 12/01/17 0 8262295 E82/G02 F 97,000.00 ZZ 180 96,331.25 1 6.000 818.54 32 5.750 818.54 HAMPTON FALLS NH 03844 2 12/02/02 00 0400723052 05 02/01/03 0 5566372 O 01/01/18 0 1 8262299 E82/G02 F 99,400.00 ZZ 180 98,685.17 1 5.500 812.18 69 5.250 812.18 BENSALEM TOWNSH PA 19053 2 12/04/02 00 0400746202 05 02/01/03 0 1720973 O 01/01/18 0 8262331 E82/G02 F 67,900.00 ZZ 180 67,436.82 2 6.125 577.57 29 5.875 577.57 BRONX NY 10466 2 12/04/02 00 0400726873 05 02/01/03 0 2765316 O 01/01/18 0 8262343 E82/G02 F 99,800.00 ZZ 180 99,104.63 1 5.875 835.44 56 5.625 835.44 MIAMI FL 33155 2 12/04/02 00 0400728440 05 02/01/03 0 1954945 O 01/01/18 0 8262365 E82/G02 F 97,500.00 ZZ 180 96,813.44 1 5.750 809.65 80 5.500 809.65 LORAIN OH 44052 2 12/03/02 00 0400725461 05 02/01/03 0 1841274 O 01/01/18 0 8262661 E22/G02 F 137,000.00 ZZ 180 136,085.16 1 6.375 1,184.02 36 6.125 1,184.02 SAN JOSE CA 95133 5 12/02/02 00 0415450592 05 02/01/03 0 0415450592 N 01/01/18 0 8262897 U05/G02 F 133,700.00 ZZ 180 132,342.90 1 1 6.250 1,146.37 67 6.000 1,146.37 KATY TX 77450 5 11/22/02 00 0435077516 03 01/01/03 0 3278617 O 12/01/17 0 8264073 624/G02 F 75,000.00 ZZ 180 74,285.99 1 7.000 674.12 72 6.750 674.12 HANFORD CA 93230 2 11/19/02 00 0435067509 05 01/01/03 0 1000015853 O 12/01/17 0 8264379 K15/G02 F 87,100.00 ZZ 180 86,492.94 1 5.875 729.13 70 5.625 729.13 SHIRLEY NY 11967 5 11/27/02 00 0435100029 05 02/01/03 0 020705504897 O 01/01/18 0 8265883 P09/G02 F 128,000.00 ZZ 180 126,494.62 1 5.375 1,037.40 58 5.125 1,037.40 ALEXANDRIA VA 22306 2 11/26/02 00 0435091780 09 01/01/03 0 R0209653 O 12/01/17 0 8266557 E82/G02 F 102,000.00 ZZ 180 101,289.30 1 5.875 853.86 73 5.625 853.86 NATURITA CO 81422 2 12/11/02 00 0400736641 05 02/01/03 0 0400736641 O 01/01/18 0 8266571 E82/G02 F 111,000.00 ZZ 180 110,226.59 1 5.875 929.20 55 5.625 929.20 FONTANA CA 92337 2 12/04/02 00 0400716643 05 02/01/03 0 1 0400716643 O 01/01/18 0 8266585 E82/G02 F 131,050.00 ZZ 180 129,794.95 1 5.750 1,088.25 53 5.500 1,088.25 ENGLEWOOD CO 80112 2 12/05/02 00 0400744348 05 02/01/03 0 5068142 O 01/01/18 0 8266661 E22/G02 F 144,000.00 ZZ 180 143,017.70 1 6.125 1,224.90 68 5.875 1,224.90 MIAMI FL 33165 5 12/06/02 00 0415276138 05 02/01/03 0 0415276138 N 01/01/18 0 8266755 E22/G02 F 300,000.00 ZZ 180 297,819.83 1 5.375 2,431.40 79 5.125 2,431.40 PORTLAND OR 97229 1 12/04/02 00 0415453851 03 02/01/03 0 0415453851 O 01/01/18 0 8267097 U05/G02 F 102,400.00 ZZ 180 101,327.13 1 5.875 857.21 80 5.625 857.21 CORPUS CHRISTI TX 78410 5 11/25/02 00 0435058367 05 01/01/03 0 3287825 O 12/01/17 0 8268411 940/G02 F 120,060.00 ZZ 180 115,727.30 1 5.875 1,005.04 62 5.625 1,005.04 MONTCLAIR CA 91763 2 11/18/02 00 0435083225 05 01/01/03 0 40021034 O 12/01/17 0 1 8268693 A21/G02 F 131,000.00 ZZ 180 129,656.14 1 6.125 1,114.32 69 5.875 1,114.32 BRONX NY 10466 5 11/11/02 00 0435091186 07 01/01/03 0 7770000389 O 12/01/17 0 8268853 W40/G02 F 99,000.00 ZZ 180 97,920.63 1 5.625 815.49 69 5.375 815.49 GILBERT AZ 85234 2 11/26/02 00 0435102447 03 01/01/03 0 100014981 O 12/01/17 0 8268935 X67/G02 F 325,500.00 ZZ 180 322,125.43 1 6.000 2,746.75 57 5.750 2,746.75 MISSION VIEJO CA 92692 2 11/22/02 00 0435082425 05 01/01/03 0 002816 O 12/01/17 0 8269305 E82/G02 F 125,570.00 ZZ 180 124,695.06 1 5.875 1,051.17 58 5.625 1,051.17 MANAHAWKIN NJ 08050 2 12/05/02 00 0400741724 05 02/01/03 0 1901557 O 01/01/18 0 8269309 E82/G02 F 223,500.00 ZZ 180 221,158.35 1 5.875 1,870.96 12 5.625 1,870.96 SAN DIEGO CA 92106 2 11/27/02 00 0400725982 05 01/01/03 0 1841905 O 12/01/17 0 8269615 E22/G02 F 100,000.00 ZZ 180 99,273.27 1 5.375 810.47 77 5.125 810.47 1 CONROE TX 77304 5 12/03/02 00 0415410380 03 02/01/03 0 0415410380 O 01/01/18 0 8269619 E22/G02 F 144,000.00 ZZ 180 142,874.80 1 5.625 1,186.17 76 5.375 1,186.17 SAN ANTONIO TX 78218 5 12/04/02 00 0415414663 09 02/01/03 0 0415414663 O 01/01/18 0 8269627 E22/G02 F 290,000.00 T 180 287,884.89 1 5.500 2,369.54 76 5.250 2,369.54 CAPE NJ NJ 08204 2 12/09/02 00 0415416288 05 02/01/03 0 0415416288 O 01/01/18 0 8269903 E22/G02 F 644,000.00 ZZ 180 639,465.14 1 5.750 5,347.84 70 5.500 5,347.84 EL GRANADA CA 94018 5 12/02/02 00 0415479484 05 02/01/03 0 0415479484 O 01/01/18 0 8270707 F36/G02 F 290,000.00 ZZ 180 286,897.17 1 5.625 2,388.82 65 5.375 2,388.82 TACOMA WA 98407 5 11/15/02 00 0435081898 03 01/01/03 0 06505449 O 12/01/17 0 8271371 U05/G02 F 129,600.00 ZZ 180 128,270.51 1 6.125 1,102.41 80 5.875 1,102.41 SACRAMENTO CA 95824 1 11/06/02 00 0435146519 05 01/01/03 0 3275046 N 12/01/17 0 1 8272653 G34/G02 F 62,500.00 ZZ 180 62,064.52 1 5.875 523.20 57 5.625 523.20 PLANO TX 75074 2 12/03/02 00 0435110291 05 02/01/03 0 85209502 N 01/01/18 0 8273023 601/G02 F 121,000.00 ZZ 180 119,287.71 1 5.750 1,004.80 55 5.500 1,004.80 NEW RICHLAND MN 56072 2 10/28/02 00 0435115936 05 12/01/02 0 3490593 O 11/01/17 0 8273115 E22/G02 F 191,000.00 ZZ 180 189,061.27 3 6.250 1,637.68 55 6.000 1,637.68 LONG BEACH CA 90805 2 11/26/02 00 0415316009 05 01/01/03 0 0415316009 N 12/01/17 0 8273199 E22/G02 F 136,500.00 ZZ 180 135,578.72 1 6.250 1,170.38 70 6.000 1,170.38 CYPRESS TX 77433 5 12/05/02 00 0415450642 05 02/01/03 0 0415450642 O 01/01/18 0 8273285 E22/G02 F 110,000.00 ZZ 180 109,208.43 1 5.875 920.83 69 5.625 920.83 CHATTAROY WA 99003 2 12/04/02 00 0415545375 05 02/01/03 0 0415545375 O 01/01/18 0 8273373 E82/G02 F 118,000.00 ZZ 180 117,186.47 1 1 6.000 995.75 34 5.750 995.75 SPRINGFIELD VA 22153 2 12/02/02 00 0400719514 05 02/01/03 0 0400719514 N 01/01/18 0 8273383 E82/G02 F 58,000.00 ZZ 180 57,616.82 3 6.500 505.24 38 6.250 505.24 LAS VEGAS NV 89030 2 12/11/02 00 0400736773 05 02/01/03 0 1765523 N 01/01/18 0 8274941 601/G02 F 600,000.00 ZZ 180 593,647.25 1 5.750 4,982.47 64 5.500 4,982.47 DAWSONVILLE GA 30534 5 11/15/02 00 0435046347 05 01/01/03 0 6219179 O 12/01/17 0 8275399 N74/G02 F 45,500.00 ZZ 180 45,038.15 1 6.250 390.13 75 6.000 390.13 RINGGOLD VA 24586 2 11/27/02 00 0435092721 05 01/01/03 0 0031224010 O 12/01/17 0 8275611 P09/G02 F 100,000.00 ZZ 180 98,877.27 1 5.750 830.41 59 5.500 830.41 HATBORO PA 19040 2 12/02/02 00 0435115746 05 01/01/03 0 LOMMOCK O 12/01/17 0 8275695 975/G02 F 300,000.00 ZZ 180 295,754.69 1 5.750 2,491.23 75 5.500 2,491.23 THOUSAND OAKS CA 91362 1 10/29/02 00 0435113626 01 12/01/02 0 1 2024695 O 11/01/17 0 8275865 F89/G02 F 105,600.00 ZZ 180 104,539.43 1 6.375 912.65 80 6.125 912.65 PALMDALE AREA CA 93551 1 11/26/02 00 0435113063 05 01/01/03 0 25841 N 12/01/17 0 8276517 X64/G02 F 137,600.00 ZZ 180 136,681.15 1 6.375 1,189.21 80 6.125 1,189.21 CENTER LINE MI 48015 5 12/04/02 00 0435047519 05 02/01/03 0 943151 O 01/01/18 0 8276569 G34/G02 F 120,000.00 ZZ 180 118,729.46 1 5.750 996.49 78 5.500 996.49 COMPTON CA 90222 5 11/22/02 00 0435110606 05 01/01/03 0 41000606 O 12/01/17 0 8276853 E82/G02 F 117,500.00 ZZ 180 116,723.72 4 6.500 1,023.55 32 6.250 1,023.55 BELLEVILLE NJ 07109 2 12/12/02 00 0400733572 05 02/01/03 0 1599649 N 01/01/18 0 8276933 Q14/G02 F 139,250.00 ZZ 180 138,259.05 1 5.625 1,147.05 78 5.375 1,147.05 WESTWOOD KS 66205 2 12/05/02 00 0435062294 05 02/01/03 0 0000210368 O 01/01/18 0 1 8277135 E47/G02 F 107,000.00 ZZ 180 105,843.13 1 5.500 874.28 70 5.250 874.28 SYKESVILLE MD 21784 2 11/21/02 00 0435112115 05 01/01/03 0 7339010917 O 12/01/17 0 8277217 X31/G02 F 96,000.00 ZZ 180 95,331.11 1 5.875 803.63 80 5.625 803.63 GREENACRES WA 99016 1 12/01/02 00 0435106018 03 02/01/03 0 59000130 N 01/01/18 0 8277563 E22/G02 F 125,000.00 ZZ 180 124,129.03 1 5.875 1,046.40 46 5.625 1,046.40 FORNEY TX 75126 5 12/06/02 00 0415435304 05 02/01/03 0 0415435304 O 01/01/18 0 8277657 E22/G02 F 146,500.00 ZZ 180 145,532.13 1 6.500 1,276.17 49 6.250 1,276.17 STERLING HEIGHT MI 48314 2 12/11/02 00 0415566538 05 02/01/03 0 0415566538 N 01/01/18 0 8277695 E22/G02 F 340,000.00 ZZ 180 337,630.98 1 5.875 2,846.20 80 5.625 2,846.20 BILOXI MS 39531 5 12/06/02 00 0415599554 05 02/01/03 0 0415599554 O 01/01/18 0 8277867 624/G02 F 100,000.00 ZZ 180 99,037.71 1 6.875 891.85 57 6.625 891.85 1 SAN GABRIEL CA 91776 5 11/13/02 00 0435090444 01 01/01/03 0 1000013194 N 12/01/17 0 8277873 G34/G02 F 131,000.00 ZZ 180 130,106.38 4 6.125 1,114.32 60 5.875 1,114.32 IRVING TX 75060 2 12/03/02 00 0435110192 05 02/01/03 0 85209495 N 01/01/18 0 8277891 G34/G02 F 72,100.00 ZZ 180 71,597.63 1 5.875 603.56 60 5.625 603.56 IRVING TX 75060 2 12/03/02 00 0435344767 05 02/01/03 0 85209500 N 01/01/18 0 8278731 144/144 F 103,000.00 ZZ 180 101,909.46 1 5.750 855.32 32 5.500 855.32 YULAN NY 12792 5 11/27/02 00 160705715 05 01/01/03 0 160705715 O 12/01/17 0 8278795 Q01/G02 F 145,000.00 ZZ 180 144,000.33 1 6.000 1,223.59 75 5.750 1,223.59 SANDY UT 84093 5 12/11/02 00 0435158340 05 02/01/03 0 97028401 N 01/01/18 0 8279051 F36/G02 F 131,300.00 ZZ 180 129,924.33 1 5.875 1,099.14 65 5.625 1,099.14 SUMNER WA 98390 5 11/19/02 00 0435105606 05 01/01/03 0 06505489 O 12/01/17 0 1 8279221 E84/G02 F 313,700.00 ZZ 180 310,447.76 1 6.000 2,647.18 57 5.750 2,647.18 ALEXANDRIA VA 22310 2 11/15/02 00 0435131651 03 01/01/03 0 86620668 O 12/01/17 0 8279275 E84/G02 F 135,900.00 ZZ 180 134,389.29 1 5.750 1,128.53 60 5.500 1,128.53 TUALATIN OR 97062 5 11/13/02 00 0435139555 05 01/01/03 0 37022685 N 12/01/17 0 8279799 E82/G02 F 142,500.00 ZZ 180 141,517.55 1 6.000 1,202.50 45 5.750 1,202.50 CONGERS NY 10920 2 12/10/02 00 0400727830 05 02/01/03 0 1623377 O 01/01/18 0 8279805 E82/G02 F 161,100.00 ZZ 180 160,001.77 4 7.250 1,470.62 75 7.000 1,470.62 CHICAGO IL 60629 2 12/11/02 00 0400695995 05 02/01/03 0 1986383 N 01/01/18 0 8279809 E82/G02 F 138,200.00 ZZ 180 136,911.46 1 5.875 1,156.90 77 5.625 1,156.90 BOISE ID 83714 2 12/03/02 00 0400746004 03 02/01/03 0 1899729 O 01/01/18 0 8279813 E82/G02 F 143,350.00 ZZ 180 142,351.18 4 1 5.875 1,200.01 80 5.625 1,200.01 PAWTUCKET RI 02861 2 12/10/02 00 0400745238 05 02/01/03 0 7792133 O 01/01/18 0 8279865 G51/G02 F 135,500.00 ZZ 180 134,426.97 1 5.875 1,134.30 73 5.625 1,134.30 CALHAN CO 80808 5 12/06/02 00 0435116801 04 02/01/03 0 2002113 O 01/01/18 0 8279913 624/G02 F 111,000.00 ZZ 180 109,837.04 1 5.875 929.20 53 5.625 929.20 ONTARIO CA 91761 2 11/20/02 00 0435109103 05 01/01/03 0 1000016239 O 12/01/17 0 8280183 E22/G02 F 125,500.00 ZZ 180 124,625.56 1 5.875 1,050.58 95 5.625 1,050.58 PALMDALE CA 93552 5 12/04/02 04 0415377514 05 02/01/03 25 0415377514 O 01/01/18 0 8280243 E84/G02 F 105,000.00 ZZ 180 103,605.80 1 5.750 871.93 63 5.500 871.93 SHERWOOD OR 97140 2 11/13/02 00 0435130505 05 01/01/03 0 37022252 N 12/01/17 0 8282719 E82/G02 F 142,500.00 ZZ 180 141,527.93 1 6.125 1,212.14 48 5.875 1,212.14 FORT COLLINS CO 80524 2 12/09/02 00 0400741534 05 02/01/03 0 1 4039688 O 01/01/18 0 8285341 E82/G02 F 125,400.00 ZZ 180 124,526.24 1 5.875 1,049.75 65 5.625 1,049.75 MIAMI FL 33175 2 12/12/02 00 0400731097 05 02/01/03 0 1869618 O 01/01/18 0 8285343 E82/G02 F 143,200.00 ZZ 180 142,191.63 1 5.750 1,189.15 76 5.500 1,189.15 CHOCTAW OK 73020 2 12/12/02 00 0400743209 05 02/01/03 0 4259111 O 01/01/18 0 8285671 E22/G02 F 132,000.00 ZZ 180 130,065.71 1 5.750 1,096.14 80 5.500 1,096.14 CHARLESTON SC 29414 1 12/13/02 00 0415575232 03 02/01/03 0 0415575232 N 01/01/18 0 8285861 E22/G02 F 110,000.00 ZZ 180 109,208.95 1 5.500 898.79 26 5.250 898.79 HOUGHTON LAKE MI 48629 5 12/09/02 00 0415441245 05 02/01/03 0 0415441245 O 01/01/18 0 8286799 X67/G02 F 120,000.00 ZZ 180 118,672.68 1 6.000 1,012.63 65 5.750 1,012.63 LONG BEACH CA 90805 5 12/03/02 00 0435121983 05 02/01/03 0 00281680 O 01/01/18 0 1 8286897 E47/G02 F 129,550.00 ZZ 180 128,192.68 1 5.875 1,084.49 40 5.625 1,084.49 SAN ANTONIO TX 78220 5 11/27/02 00 0435185780 05 01/01/03 0 7329012701 O 12/01/17 0 8287105 Y23/G02 F 112,000.00 ZZ 180 110,814.16 1 5.750 930.06 73 5.500 930.06 CARROLLTON TX 75006 5 11/20/02 00 0435156757 05 01/01/03 0 1000032774 O 12/01/17 0 8287197 286/286 F 111,920.00 ZZ 180 110,319.57 1 5.625 921.93 80 5.375 921.93 ALBUQUERQUE NM 87110 1 10/30/02 00 1734785 05 12/01/02 0 1734785 O 11/01/17 0 8287205 286/286 F 132,000.00 ZZ 180 127,382.00 1 5.875 1,105.00 50 5.625 1,105.00 CLAYPOOL IN 46510 2 10/18/02 00 1565483 05 12/01/02 0 1565483 O 11/01/17 0 8287207 286/286 F 340,000.00 ZZ 180 335,188.62 1 5.750 2,823.40 53 5.500 2,823.40 NORWALK CT 06850 2 10/04/02 00 1587795 01 12/01/02 0 1587795 O 11/01/17 0 8287231 286/286 F 144,500.00 ZZ 180 142,433.70 1 5.625 1,190.30 77 5.375 1,190.30 1 VIRGINIA BEACH VA 23456 5 10/18/02 00 1579471 05 12/01/02 0 1579471 O 11/01/17 0 8287235 286/286 F 120,000.00 ZZ 180 118,354.46 1 6.125 1,020.75 80 5.875 1,020.75 HALLANDALE FL 33009 1 10/22/02 00 1652075 01 12/01/02 0 1652075 O 11/01/17 0 8287249 286/286 F 400,000.00 ZZ 180 394,398.45 1 5.875 3,348.48 46 5.625 3,348.48 POWELL OH 43065 1 10/30/02 00 1556156 05 12/01/02 0 1556156 O 11/01/17 0 8287257 286/286 F 119,700.00 ZZ 180 117,435.19 1 6.000 1,010.10 44 5.750 1,010.10 CONCORD CA 94521 5 10/08/02 00 1602700 05 12/01/02 0 1602700 O 11/01/17 0 8287321 286/286 F 144,000.00 ZZ 180 142,127.19 3 6.750 1,274.27 90 6.500 1,274.27 NEW HAVEN CT 06511 1 10/18/02 12 1673096 05 12/01/02 25 1673096 N 11/01/17 0 8287323 286/286 F 27,000.00 ZZ 180 26,633.61 1 6.250 231.51 72 6.000 231.51 MARINETTE WI 54143 2 10/28/02 00 1579442 05 12/01/02 0 1579442 N 11/01/17 0 1 8287333 286/286 F 584,000.00 ZZ 180 575,561.80 1 5.500 4,771.77 57 5.250 4,771.77 WESTPORT CT 06880 2 10/23/02 00 1605078 05 12/01/02 0 1605078 O 11/01/17 0 8287339 286/286 F 80,000.00 ZZ 180 78,879.68 1 5.875 669.70 80 5.625 669.70 CHARLOTTESVILLE VA 22902 1 10/23/02 00 1019825 01 12/01/02 0 1019825 O 11/01/17 0 8287369 286/286 F 101,000.00 ZZ 180 99,614.96 2 6.125 859.14 49 5.875 859.14 BUFFALO MN 55313 2 10/24/02 00 1680660 05 12/01/02 0 1680660 N 11/01/17 0 8287429 286/286 F 161,100.00 ZZ 180 158,850.82 3 6.250 1,381.31 90 6.000 1,381.31 NEWARK NJ 07108 5 10/25/02 11 1670343 05 12/01/02 25 1670343 O 11/01/17 0 8287441 286/286 F 64,000.00 ZZ 180 63,158.71 3 6.625 561.92 72 6.375 561.92 ALLENTOWN PA 18109 2 10/25/02 00 1604088 05 12/01/02 0 1604088 N 11/01/17 0 8287447 286/286 F 350,000.00 ZZ 180 344,899.69 1 1 5.750 2,906.44 43 5.500 2,906.44 ROCKLIN CA 95765 2 10/18/02 00 1665039 03 12/01/02 0 1665039 O 11/01/17 0 8287471 286/286 F 106,000.00 ZZ 180 104,515.57 1 5.875 887.35 43 5.625 887.35 GAITHERSBURG MD 20878 2 10/21/02 00 0001252675 03 12/01/02 0 0001252675 O 11/01/17 0 8287479 286/286 F 144,000.00 ZZ 180 142,614.25 4 6.875 1,284.28 78 6.625 1,284.28 AURORA IL 60505 2 11/04/02 00 1699371 05 01/01/03 0 1699371 O 12/01/17 0 8287491 286/286 F 133,500.00 ZZ 180 131,156.96 1 6.750 1,181.36 70 6.500 1,181.36 JERSEY CITY NJ 07305 5 10/15/02 00 1603511 05 12/01/02 0 1603511 N 11/01/17 0 8288497 286/286 F 135,000.00 ZZ 180 132,827.87 1 5.875 1,130.11 58 5.625 1,130.11 COCHRANTON PA 16314 5 10/29/02 00 1476621 05 12/01/02 0 1476621 O 11/01/17 0 8288513 286/286 F 126,800.00 ZZ 180 125,024.30 1 5.875 1,061.47 76 5.625 1,061.47 ELBERFELD IN 47613 5 10/25/02 00 1683355 05 12/01/02 0 1 1683355 O 11/01/17 0 8288517 286/286 F 143,000.00 ZZ 180 141,059.58 2 6.250 1,226.12 65 6.000 1,226.12 BRIDGEPORT CT 06605 5 10/31/02 00 1675448 05 12/01/02 0 1675448 N 11/01/17 0 8288523 286/286 F 359,000.00 ZZ 180 352,043.25 1 5.625 2,957.20 29 5.375 2,957.20 SAN RAFAEL CA 94903 2 10/22/02 00 1587373 05 12/01/02 0 1587373 O 11/01/17 0 8288531 E47/G02 F 300,000.00 ZZ 180 296,856.84 1 5.875 2,511.36 47 5.625 2,511.36 SAN JOSE CA 95133 5 11/22/02 00 0435121868 05 01/01/03 0 7359512613 O 12/01/17 0 8288563 286/286 F 126,789.95 ZZ 180 125,069.50 1 6.250 1,087.13 32 6.000 1,087.13 CORROLLA NC 27927 2 10/24/02 00 1690349 03 12/01/02 0 1690349 N 11/01/17 0 8288615 286/286 F 56,250.00 ZZ 180 55,462.28 1 5.875 470.88 90 5.625 470.88 KETTERING OH 45420 1 10/31/02 10 1677186 05 12/01/02 25 1677186 N 11/01/17 0 1 8288633 286/286 F 120,000.00 ZZ 180 118,301.84 1 5.750 996.50 80 5.500 996.50 RESTON VA 20194 1 10/30/02 00 1686328 01 12/01/02 0 1686328 N 11/01/17 0 8288639 286/286 F 310,000.00 ZZ 180 305,436.50 1 5.750 2,574.28 50 5.500 2,574.28 DUBLIN OH 43017 2 11/04/02 00 1574143 05 01/01/03 0 1574143 O 12/01/17 0 8288719 286/286 F 132,000.00 ZZ 180 130,189.88 2 6.125 1,122.83 65 5.875 1,122.83 BUFFALO MN 55313 2 10/24/02 00 1680652 05 12/01/02 0 1680652 N 11/01/17 0 8288853 286/286 F 100,000.00 ZZ 180 97,899.96 1 5.750 830.42 56 5.500 830.42 WASHINGTON CROS PA 18977 5 10/23/02 00 1593214 05 12/01/02 0 1593214 O 11/01/17 0 8288867 286/286 F 125,000.00 ZZ 180 122,746.20 1 5.500 1,021.36 17 5.250 1,021.36 WESTPORT CT 06880 5 10/25/02 00 1604841 05 12/01/02 0 1604841 O 11/01/17 0 8288873 286/286 F 116,500.00 T 180 114,497.95 1 6.125 990.98 31 5.875 990.98 1 COROLLA NC 27927 2 10/01/02 00 1524591 05 11/01/02 0 1524591 O 10/01/17 0 8288919 286/286 F 121,125.00 ZZ 180 119,784.72 1 6.625 1,063.47 75 6.375 1,063.47 BROOKHAVEN NY 11713 5 11/06/02 00 1669333 05 01/01/03 0 1669333 N 12/01/17 0 8288937 286/286 F 60,000.00 ZZ 180 58,719.94 1 6.750 530.95 50 6.500 530.95 LAKE ELSINORE CA 92530 2 11/08/02 00 1700159 05 01/01/03 0 1700159 N 12/01/17 0 8288951 286/286 F 43,600.00 ZZ 180 43,020.75 1 6.500 379.81 53 6.250 379.81 DALLAS TX 75249 2 10/21/02 00 1618099 05 12/01/02 0 1618099 N 11/01/17 0 8288963 286/286 F 111,000.00 ZZ 180 109,873.30 2 6.250 951.74 48 6.000 951.74 PASADENA CA 91104 2 11/01/02 00 1687189 05 01/01/03 0 1687189 N 12/01/17 0 8288983 286/286 F 77,500.00 ZZ 180 76,688.01 1 5.875 648.77 70 5.625 648.77 MAGNA UT 84044 2 11/06/02 00 1670011 05 01/01/03 0 1670011 N 12/01/17 0 1 8288997 286/286 F 68,000.00 ZZ 180 67,338.58 1 6.750 601.74 80 6.500 601.74 ALBUQUERQUE NM 87105 2 11/07/02 00 1742717 05 01/01/03 0 1742717 N 12/01/17 0 8292051 369/G02 F 83,850.00 ZZ 180 82,980.26 1 6.000 707.58 74 5.750 707.58 PEORIA AZ 85345 5 11/22/02 00 0435119953 05 01/01/03 0 0074771056 N 12/01/17 0 8292163 E82/G02 F 121,150.00 ZZ 180 119,860.96 1 5.875 1,014.17 79 5.625 1,014.17 LAS VEGAS NV 89123 2 12/16/02 00 0400744330 03 02/01/03 0 5212042 N 01/01/18 0 8292179 E82/G02 F 131,200.00 ZZ 180 130,285.83 1 5.875 1,098.30 61 5.625 1,098.30 RENTON WA 98058 5 12/12/02 00 0400743142 05 02/01/03 0 1700310 O 01/01/18 0 8292545 E22/G02 F 132,000.00 ZZ 180 131,155.59 1 6.875 1,177.25 95 6.625 1,177.25 SEMINOLE FL 33772 5 12/10/02 01 0415539220 05 02/01/03 30 0415539220 O 01/01/18 0 8292697 E22/G02 F 448,000.00 ZZ 180 444,778.24 1 1 5.500 3,660.53 80 5.250 3,660.53 AUSTIN TX 78731 5 12/11/02 00 0415426311 05 02/01/03 0 0415426311 O 01/01/18 0 8293573 U05/G02 F 110,000.00 ZZ 180 109,288.71 1 6.750 973.40 55 6.500 973.40 MIAMI FL 33175 5 12/02/02 00 0435124334 05 02/01/03 0 3285916 O 01/01/18 0 8293701 A35/G02 F 125,000.00 ZZ 180 124,138.21 1 6.000 1,054.82 36 5.750 1,054.82 OAKDALE NY 11769 5 12/04/02 00 0435121876 05 02/01/03 0 14449 O 01/01/18 0 8294095 Q30/G02 F 112,500.00 ZZ 180 111,033.85 1 6.125 956.96 34 5.875 956.96 WHITTMAN MA 02382 2 11/27/02 00 0435137260 05 01/01/03 0 21018438 O 12/01/17 0 8294411 N74/G02 F 126,000.00 ZZ 180 124,637.69 1 5.500 1,029.53 90 5.250 1,029.53 NORTH CHARLESTO SC 29420 2 12/10/02 01 0435185293 05 01/10/03 25 0031291010 N 12/10/17 0 8295611 808/G02 F 32,500.00 ZZ 180 32,170.09 1 6.250 278.67 33 6.000 278.67 BAKERSFIELD CA 93308 5 11/20/02 00 0435351382 05 01/01/03 0 1 9428913 O 12/01/17 0 8296091 E22/G02 F 60,000.00 ZZ 180 59,581.94 1 5.875 502.27 71 5.625 502.27 HOUSTON TX 77099 5 12/11/02 00 0415298165 03 02/01/03 0 0415298165 O 01/01/18 0 8296721 E84/G02 F 168,000.00 ZZ 180 164,733.52 1 6.875 1,498.32 66 6.625 1,498.32 POMPANO BEACH FL 33071 2 07/29/02 00 0435160494 05 09/01/02 0 15307530 N 08/01/17 0 8296991 W53/G02 F 420,000.00 ZZ 180 412,629.93 1 5.875 3,515.90 77 5.625 3,515.90 GRIFFIN GA 30223 2 09/12/02 00 0435313051 05 11/01/02 0 1304001180 O 10/01/17 0 8298085 W02/G02 F 42,000.00 ZZ 180 41,500.18 1 5.625 345.97 24 5.375 345.97 TALLAHASSEE FL 32312 2 12/09/02 00 0435194576 05 02/01/03 0 10015839133 O 01/01/18 0 8298131 225/G02 F 420,000.00 ZZ 180 413,931.40 1 5.500 3,431.76 75 5.250 3,431.76 PARKER CO 80138 5 11/01/02 00 0435130034 05 12/01/02 0 007415405 O 11/01/17 0 1 8298201 225/G02 F 549,750.00 ZZ 180 541,774.94 1 5.625 4,528.47 75 5.375 4,528.47 NEW BERN NC 28562 5 10/17/02 00 0435132162 05 12/01/02 0 008479062 O 11/01/17 0 8299943 X67/G02 F 284,000.00 ZZ 180 282,083.20 1 6.250 2,435.08 78 6.000 2,435.08 CORONA CA 92882 2 12/05/02 00 0435128087 05 02/01/03 0 00281464 O 01/01/18 0 8300817 E22/G02 F 73,150.00 ZZ 180 72,682.06 1 6.875 652.39 95 6.625 652.39 BAKERSFIELD CA 93306 5 12/10/02 04 0414731919 05 02/01/03 25 0414731919 O 01/01/18 0 8300829 K15/G02 F 40,000.00 ZZ 180 39,735.74 1 6.500 348.44 71 6.250 348.44 EAST MOLINE IL 61244 5 12/10/02 00 0435122510 05 02/01/03 0 029405314874 O 01/01/18 0 8300901 E22/G02 F 62,500.00 ZZ 180 62,036.56 1 5.875 523.20 55 5.625 523.20 SACRAMENTO CA 95822 2 12/11/02 00 0415552819 05 02/01/03 0 0415552819 N 01/01/18 0 8303435 E82/G02 F 124,500.00 ZZ 180 121,328.42 1 5.875 1,042.21 57 5.625 1,042.21 1 MITCHELLVILLE MD 20721 2 12/17/02 00 0400717120 05 02/01/03 0 1549100 O 01/01/18 0 8303573 E22/G02 F 105,000.00 ZZ 180 104,276.09 1 6.000 886.05 67 5.750 886.05 LOS ANGELES CA 90003 2 12/10/02 00 0415649185 05 02/01/03 0 0415649185 O 01/01/18 0 8303649 E22/G02 F 290,000.00 ZZ 180 287,979.37 1 5.875 2,427.64 78 5.625 2,427.64 CANTON MI 48187 5 12/12/02 00 0415556315 05 02/01/03 0 0415556315 O 01/01/18 0 8304399 G34/G02 F 101,600.00 ZZ 180 100,892.09 1 5.875 850.51 80 5.625 850.51 FLOWER MOUND TX 75028 5 12/10/02 00 0435333851 05 02/01/03 0 85209563 O 01/01/18 0 8304697 U42/G02 F 399,999.00 ZZ 180 397,299.29 1 6.250 3,429.68 55 6.000 3,429.68 FORT WORTH TX 76132 5 11/27/02 00 0435157037 03 02/01/03 0 33201246 O 01/01/18 0 8305551 E22/G02 F 105,500.00 ZZ 180 104,787.95 2 6.250 904.58 75 6.000 904.58 VANCOUVER WA 98662 5 12/16/02 00 0415613298 05 02/01/03 0 0415613298 N 01/01/18 0 1 8306017 U42/G02 F 41,761.00 ZZ 180 41,473.10 1 6.000 352.40 46 5.750 352.40 ARLINGTON TX 76012 2 12/09/02 00 0435148390 05 02/01/03 0 24201499 N 01/01/18 0 8306099 U42/G02 F 43,202.00 ZZ 180 42,904.16 1 6.000 364.56 35 5.750 364.56 ARLINGTON TX 76012 2 12/09/02 00 0435149547 05 02/01/03 0 24201478 N 01/01/18 0 8307611 E82/G02 F 76,500.00 ZZ 180 75,972.58 1 6.000 645.55 85 5.750 645.55 TITUSVILLE FL 32780 2 12/16/02 10 0400743100 05 02/01/03 6 400743100 O 01/01/18 0 8307643 E82/G02 F 147,300.00 ZZ 180 146,273.64 1 5.875 1,233.08 87 5.625 1,233.08 LAS VEGAS NV 89107 2 12/16/02 10 0400750873 05 02/01/03 12 1832995 O 01/01/18 0 8308047 E22/G02 F 400,000.00 ZZ 180 397,242.26 1 6.000 3,375.43 80 5.750 3,375.43 COLONIA NJ 07067 5 12/18/02 00 0415391218 05 02/01/03 0 0415391218 O 01/01/18 0 8308371 313/G02 F 294,000.00 ZZ 180 291,828.47 1 1 5.750 2,441.41 78 5.500 2,441.41 ARLINGTON HEIGH IL 60004 2 12/06/02 00 0435117510 05 02/01/03 0 0009184979 O 01/01/18 0 8313231 L20/G02 F 92,000.00 ZZ 180 91,586.02 1 5.875 770.15 77 5.625 770.15 BLACKFOOT ID 83221 5 12/20/02 00 0435427182 05 02/01/03 0 1061030059 O 01/01/18 0 8314459 E82/G02 F 54,500.00 ZZ 180 54,120.26 1 5.875 456.23 71 5.625 456.23 RIO RICO AZ 85648 2 12/23/02 00 0400746053 05 02/01/03 0 1863796 O 01/01/18 0 8316663 R65/G02 F 450,000.00 ZZ 180 446,864.53 1 5.875 3,767.03 67 5.625 3,767.03 WEST WINDSOR TO NJ 08550 5 12/18/02 00 0435159959 05 02/01/03 0 7448952000 O 01/01/18 0 8320759 F32/G02 F 256,000.00 ZZ 180 254,272.16 1 6.250 2,195.01 78 6.000 2,195.01 TYBEE ISLAND GA 31328 2 12/18/02 00 0435371554 05 02/01/03 0 15144264 N 01/01/18 0 8322475 E82/G02 F 83,200.00 ZZ 180 82,620.29 1 5.875 696.48 80 5.625 696.48 SPRINGFIELD OR 97477 2 12/30/02 00 0400748984 05 02/01/03 0 1 1985221 N 01/01/18 0 8322953 E22/G02 F 20,700.00 ZZ 120 20,458.47 1 6.875 239.01 90 6.625 239.01 MONTGOMERY AL 36108 1 12/31/02 04 0415758044 05 02/01/03 20 0415758044 N 01/01/13 0 8324173 B98/G02 F 84,000.00 ZZ 180 83,698.65 1 5.500 686.35 42 5.250 686.35 SAN JOSE CA 95133 2 01/21/03 00 0435394465 01 03/01/03 0 HY210004WC O 02/01/18 0 8324899 F96/G02 F 127,000.00 ZZ 180 126,151.93 3 6.375 1,097.60 60 6.125 1,097.60 CITY OF NEWARK NJ 07104 2 12/12/02 00 0435281662 05 02/01/03 0 0109972 O 01/01/18 0 8325213 K60/G02 F 107,509.94 ZZ 180 106,228.27 1 6.250 921.81 89 6.000 921.81 PALMDALE CA 93552 5 12/23/02 04 0435314562 05 02/01/03 12 0001044379 O 01/01/18 0 8325693 E11/G02 F 166,500.00 ZZ 180 165,339.88 1 5.875 1,393.80 80 5.625 1,393.80 GILBERT AZ 85296 5 12/18/02 00 0435188198 03 02/01/03 0 0006001052587 O 01/01/18 0 1 8329699 E22/G02 F 69,700.00 ZZ 180 69,254.13 2 6.875 621.62 85 6.625 621.62 PASCO WA 99301 5 12/10/02 10 0415549336 05 02/01/03 6 0415549336 O 01/01/18 0 8330259 W02/G02 F 30,000.00 ZZ 180 29,806.00 1 6.750 265.48 32 6.500 265.48 JACKSONVILLE FL 32207 5 12/17/02 00 0435306253 05 02/01/03 0 1001787058 N 01/01/18 0 8330297 W02/G02 F 31,900.00 ZZ 180 31,677.71 1 5.875 267.05 46 5.625 267.05 JACKSONVILLE FL 32217 5 12/12/02 00 0435183157 05 02/01/03 0 1001842762 N 01/01/18 0 8330445 W02/G02 F 31,900.00 ZZ 180 31,677.71 1 5.875 267.05 45 5.625 267.05 JACKSONVILLE FL 32204 5 12/12/02 00 0435305735 05 02/01/03 0 1001842663 N 01/01/18 0 8330495 W02/G02 F 43,500.00 ZZ 180 43,196.90 1 5.875 364.15 63 5.625 364.15 JACKSONVILLE FL 32204 5 12/12/02 00 0435305800 05 02/01/03 0 1001842186 N 01/01/18 0 8331019 U42/G02 F 92,700.00 ZZ 180 92,054.09 1 5.875 776.01 53 5.625 776.01 1 COLORADO SPRING CO 80919 2 12/19/02 00 0435253679 03 02/01/03 0 32200731 N 01/01/18 0 8332009 952/G02 F 425,000.00 ZZ 180 422,069.91 1 6.000 3,586.39 75 5.750 3,586.39 FLORHAM PARK NJ 07932 5 12/28/02 00 0435203872 05 02/01/03 0 20027844 O 01/01/18 0 8340093 601/G02 F 87,500.00 ZZ 180 86,845.90 1 6.375 756.22 80 6.125 756.22 BATON ROUGE LA 70810 5 12/19/02 00 0435181888 05 02/01/03 0 62302419 O 01/01/18 0 8340219 M27/G02 F 115,200.00 ZZ 180 114,795.37 1 5.750 956.63 90 5.500 956.63 SIMPSONVILLE SC 29680 5 12/31/02 01 0435194303 03 03/01/03 12 0100056150 O 02/01/18 0 8342453 E22/G02 F 42,300.00 ZZ 180 42,165.09 1 6.875 377.25 90 6.625 377.25 MEMPHIS TN 38127 1 01/08/03 04 0415644731 05 03/01/03 25 0415644731 N 02/01/18 0 8343967 E82/G02 F 79,000.00 ZZ 180 78,722.52 1 5.750 656.02 69 5.500 656.02 MADISON TN 37115 2 01/03/03 00 0400751327 05 03/01/03 0 5425419 O 02/01/18 0 1 8345013 G34/G02 F 77,600.00 ZZ 180 77,059.32 1 5.875 649.60 80 5.625 649.60 ARLINGTON TX 76013 5 12/31/02 00 0435433180 05 02/01/03 0 85209692 O 01/01/18 0 8345335 E84/G02 F 168,000.00 ZZ 180 166,841.75 1 6.000 1,417.68 69 5.750 1,417.68 PORTLAND OR 97219 2 12/18/02 00 0435186200 03 02/01/03 0 60404723 O 01/01/18 0 8345911 U42/G02 F 97,900.00 ZZ 180 97,217.86 1 5.875 819.54 50 5.625 819.54 COLORADO SPRING CO 80919 2 12/19/02 00 0435230057 03 02/01/03 0 32200732 N 01/01/18 0 8345957 Y23/G02 F 80,000.00 ZZ 180 79,724.91 1 6.000 675.09 79 5.750 675.09 RED OAK TX 75154 5 12/31/02 00 0435354188 05 03/01/03 0 1000034432 O 02/01/18 0 8346021 U42/G02 F 97,700.00 ZZ 180 97,019.26 1 5.875 817.86 50 5.625 817.86 COLORADO SPRING CO 80919 2 12/19/02 00 0435230321 03 02/01/03 0 32200734 N 01/01/18 0 8346055 U05/G02 F 141,000.00 ZZ 180 140,068.46 2 1 6.500 1,228.26 80 6.250 1,228.26 FT. LAUDERDALE FL 33312 1 12/23/02 00 0435407903 05 02/01/03 0 3289725 N 01/01/18 0 8346135 U42/G02 F 97,400.00 ZZ 180 96,721.35 1 5.875 815.35 50 5.625 815.35 COLORADO SPRING CO 80919 2 12/19/02 00 0435230578 05 02/01/03 0 32200733 N 01/01/18 0 8347236 E23/G02 F 165,000.00 ZZ 180 164,426.56 1 5.875 1,381.25 66 5.625 1,381.25 ROWLAND HEIGHTS CA 91748 2 01/15/03 00 0435326046 05 03/01/03 0 51024244 N 02/01/18 0 8348422 E23/G02 F 391,000.00 ZZ 180 389,612.02 1 5.625 3,220.79 72 5.375 3,220.79 SOUTH PASADENA CA 91030 5 01/27/03 00 0435449376 05 03/01/03 0 51024795 O 02/01/18 0 8351407 E82/G02 F 123,700.00 ZZ 180 123,274.65 1 6.000 1,043.85 68 5.750 1,043.85 BRIGHTON CO 80601 2 01/13/03 00 0400762183 05 03/01/03 0 1892204 N 02/01/18 0 8351415 E82/G02 F 67,100.00 ZZ 180 66,859.28 1 5.500 548.26 70 5.250 548.26 DUNCANVILLE TX 75137 2 01/13/03 00 0400761805 05 03/01/03 0 1 1651020 N 02/01/18 0 8351426 E23/G02 F 85,000.00 ZZ 180 85,000.00 1 5.750 705.85 45 5.500 705.85 MODESTO CA 95350 5 02/05/03 00 0435431119 05 04/01/03 0 51024240 O 03/01/18 0 8352334 E23/G02 F 585,000.00 ZZ 180 585,000.00 1 5.625 4,818.83 23 5.375 4,818.83 SAN FRANCISCO CA 94109 2 02/19/03 00 0435436829 06 04/01/03 0 620005885 O 03/01/18 0 8353236 E23/G02 F 368,000.00 ZZ 180 368,000.00 1 5.500 3,006.87 74 5.250 3,006.87 SAN FRANCISCO CA 94103 2 02/07/03 00 0435491733 05 04/01/03 0 51024369 O 03/01/18 0 8353568 W98/G02 F 180,000.00 ZZ 180 180,000.00 1 5.500 1,470.75 64 5.250 1,470.75 LEESBURG VA 20175 5 02/28/03 00 0435487731 05 04/01/03 0 L0301039 O 03/01/18 0 8353572 W98/G02 F 55,200.00 ZZ 180 55,200.00 1 5.375 447.38 43 5.125 447.38 LEESBURG VA 20175 2 02/27/03 00 0435484423 01 04/01/03 0 L0302005 O 03/01/18 0 1 8354541 E82/G02 F 156,000.00 ZZ 180 155,457.85 1 5.875 1,305.90 40 5.625 1,305.90 OREM UT 84058 2 01/10/03 00 0400756599 05 03/01/03 0 5000062 O 02/01/18 0 8354551 E82/G02 F 122,500.00 ZZ 180 122,087.68 4 6.250 1,050.34 70 6.000 1,050.34 POMONA CA 91766 2 01/08/03 00 0400739942 05 03/01/03 0 6586878 N 02/01/18 0 8355061 E22/G02 F 82,300.00 ZZ 180 82,020.01 1 6.125 700.06 88 5.875 700.06 BROKEN ARROW OK 74011 5 01/07/03 01 0415721372 05 03/01/03 25 0415721372 O 02/01/18 0 8356177 758/G02 F 84,000.00 ZZ 180 83,723.27 1 6.500 731.73 76 6.250 731.73 CYPRESS TX 77429 5 01/06/03 00 0435210216 03 03/01/03 0 302202 O 02/01/18 0 8358443 E82/G02 F 78,900.00 ZZ 180 78,628.70 1 6.000 665.80 66 5.750 665.80 CHARLOTTE NC 28205 2 01/14/03 00 0400748422 05 03/01/03 0 1623678 N 02/01/18 0 8365497 U05/G02 F 95,000.00 ZZ 180 94,338.07 1 5.875 795.26 52 5.625 795.26 1 BISCAYNE GARDEN FL 33169 2 12/30/02 00 0435377874 05 02/01/03 0 3290971 O 01/01/18 0 8365713 P09/G02 F 71,650.00 ZZ 180 71,400.99 1 5.875 599.80 38 5.625 599.80 GERMANTOWN MD 20874 5 01/08/03 00 0435299466 09 03/01/03 0 CONN2 O 02/01/18 0 8366529 U05/G02 F 174,000.00 ZZ 180 172,800.39 1 6.000 1,468.31 53 5.750 1,468.31 VAN NUYS CA 91401 5 12/19/02 00 0435245980 05 02/01/03 0 3292449 N 01/01/18 0 8366675 E84/G02 F 123,000.00 ZZ 180 122,142.96 1 5.875 1,029.66 72 5.625 1,029.66 CHESTERTOWN MD 21620 2 12/26/02 00 0435423199 05 02/01/03 0 86520185 O 01/01/18 0 8366729 K60/G02 F 88,200.00 ZZ 180 87,899.94 1 6.125 750.25 90 5.875 750.25 WINSTON SALEM NC 27127 5 01/07/03 04 0435284419 09 03/01/03 12 73634 O 02/01/18 0 8367045 E84/G02 F 187,000.00 ZZ 180 186,383.95 1 6.500 1,628.97 85 6.250 1,628.97 RYE CO 81069 5 12/27/02 12 0435415542 05 03/01/03 25 1101015374 O 02/01/18 0 1 8367265 U42/G02 F 264,000.00 ZZ 180 262,969.40 1 5.625 2,174.65 80 5.375 2,174.65 AUSTIN TX 78727 5 01/10/03 00 0435319967 05 03/01/03 0 10202496 O 02/01/18 0 8367331 M27/G02 F 440,000.00 ZZ 180 438,487.03 1 6.000 3,712.97 80 5.750 3,712.97 SUNSET SC 29685 2 01/10/03 00 0435320213 03 03/01/03 0 0100052128 O 02/01/18 0 8368531 E22/G02 F 27,000.00 ZZ 180 26,913.89 1 6.875 240.80 75 6.625 240.80 HOUSTON TX 77054 5 01/10/03 00 0415467414 01 03/01/03 0 0415467414 O 02/01/18 0 8368667 E22/G02 F 52,500.00 ZZ 180 52,313.63 2 5.625 432.46 70 5.375 432.46 LYNCHBURG VA 24501 1 01/15/03 00 0415821537 05 03/01/03 0 0415821537 N 02/01/18 0 8368981 U05/G02 F 82,700.00 ZZ 180 82,415.63 1 6.000 697.87 80 5.750 697.87 ROGUE RIVER OR 97537 1 01/02/03 00 0435331673 05 03/01/03 0 3292177 N 02/01/18 0 8369745 X67/G02 F 90,000.00 ZZ 180 89,424.27 2 1 6.875 802.67 75 6.625 802.67 NORTH LAS VEGAS NV 89030 5 12/16/02 00 0435392717 05 02/01/03 0 00270875 N 01/01/18 0 8370453 A06/G02 F 160,000.00 ZZ 180 159,425.99 1 5.500 1,307.34 61 5.250 1,307.34 LAKE ORION MI 48360 2 01/13/03 00 0435252432 05 03/01/03 0 1 O 02/01/18 0 8372721 U05/G02 F 100,000.00 ZZ 180 99,670.56 1 6.500 871.11 62 6.250 871.11 EVERETT WA 98201 5 01/07/03 00 0435410477 05 03/01/03 0 3299832 N 02/01/18 0 8375059 253/253 F 60,000.00 ZZ 180 59,802.33 1 6.500 522.67 74 6.250 522.67 KELLER TX 76248 5 01/14/03 00 449690 05 03/01/03 0 449690 N 02/01/18 0 8375191 N74/G02 F 31,000.00 ZZ 180 30,893.40 1 6.000 261.60 49 5.750 261.60 RINGGOLD VA 24586 5 01/16/03 00 0435316450 05 03/01/03 0 0031528010 O 02/01/18 0 8375293 W02/G02 F 33,000.00 ZZ 180 32,772.47 1 6.000 278.48 46 5.750 278.48 ST PETERSBURG FL 33707 5 12/26/02 00 0435306287 05 02/01/03 0 1 10016972158 O 01/01/18 0 8375873 964/G02 F 93,000.00 ZZ 180 92,352.00 1 5.875 778.52 72 5.625 778.52 RIALTO CA 92376 2 12/30/02 00 0435281928 05 02/01/03 0 304507 N 01/01/18 0 8376985 E82/G02 F 74,000.00 ZZ 180 73,742.82 1 5.875 619.47 24 5.625 619.47 WOODLAND HILLS CA 91364 2 01/15/03 00 0400750949 05 03/01/03 0 2769663 O 02/01/18 0 8377537 E22/G02 F 53,200.00 ZZ 180 53,028.48 1 6.750 470.77 94 6.500 470.77 MORRIS AL 35116 2 01/15/03 04 0415800192 05 03/01/03 25 0415800192 O 02/01/18 0 8377721 E22/G02 F 186,000.00 ZZ 120 184,833.91 2 5.500 2,018.59 55 5.250 2,018.59 CHICAGO IL 60659 2 01/15/03 00 0415872142 05 03/01/03 0 0415872142 O 02/01/13 0 8377955 Q30/G02 F 152,000.00 ZZ 180 151,460.42 1 5.625 1,252.08 80 5.375 1,252.08 DALLAS TX 75218 5 01/03/02 00 0435295514 05 03/01/03 0 21018536 O 02/01/18 0 1 8379993 E82/G02 F 50,500.00 ZZ 180 50,333.63 2 6.500 439.91 85 6.250 439.91 BAKERSFIELD CA 93304 2 01/21/03 04 0400770095 05 03/01/03 12 7703805 N 02/01/18 0 8380367 E22/G02 F 62,000.00 ZZ 180 61,795.74 1 6.500 540.09 76 6.250 540.09 COLORADO SPRING CO 80917 2 01/22/03 00 0415793926 01 03/01/03 0 0415793926 N 02/01/18 0 8380471 U05/G02 F 450,000.00 ZZ 180 448,436.09 1 5.875 3,767.03 60 5.625 3,767.03 AUSTIN TX 78703 5 01/10/03 00 0435314513 05 03/01/03 0 3297642 O 02/01/18 0 8380819 W02/G02 F 43,500.00 ZZ 180 43,348.82 1 5.875 364.15 73 5.625 364.15 JACKSONVILLE FL 32034 5 01/07/03 00 0435312988 05 03/01/03 0 1001844801 N 02/01/18 0 8380893 W02/G02 F 30,000.00 ZZ 180 29,801.78 1 6.500 261.34 43 6.250 261.34 RIPLEY TN 38063 5 12/23/02 00 0435319942 05 02/01/03 0 1001856796 O 01/01/18 0 8381391 W02/G02 F 52,000.00 ZZ 180 51,815.39 1 5.625 428.35 73 5.375 428.35 1 PENSACOLA FL 32505 5 01/07/03 00 0435312939 05 03/01/03 0 1001915496 O 02/01/18 0 8381507 286/286 F 448,000.00 ZZ 180 443,355.42 1 6.000 3,780.48 80 5.750 3,780.48 DES PLAINES IL 60010 5 10/28/02 00 1592574 05 01/01/03 0 1592574 O 12/01/17 0 8381509 286/286 F 439,000.00 ZZ 180 432,722.52 1 5.625 3,616.19 33 5.375 3,616.19 HOUSTON TX 77005 2 10/29/02 00 1651330 05 12/01/02 0 1651330 O 11/01/17 0 8381511 286/286 F 433,000.00 ZZ 180 423,969.45 1 6.000 3,653.91 50 5.750 3,653.91 HAYWARD CA 94543 2 10/24/02 00 1588073 03 12/01/02 0 1588073 O 11/01/17 0 8381513 286/286 F 171,000.00 ZZ 180 169,300.78 1 6.500 1,489.60 90 6.250 1,489.60 SUNRISE FL 33351 2 11/22/02 12 1715405 05 01/01/03 25 1715405 O 12/01/17 0 8381515 286/286 F 190,800.00 T 180 188,265.28 1 6.625 1,675.22 90 6.375 1,675.22 CAMBRIDGE MD 21613 1 10/18/02 12 1556142 05 12/01/02 25 1556142 O 11/01/17 0 1 8381517 286/286 F 102,600.00 ZZ 180 100,855.19 1 6.250 879.72 90 6.000 879.72 GAINESVILLE FL 32608 1 09/18/02 10 1479904 01 11/01/02 25 1479904 O 10/01/17 0 8381519 286/286 F 72,000.00 ZZ 180 71,243.06 1 6.250 617.35 80 6.000 617.35 INDIANAPOLIS IN 46203 5 11/21/02 00 1652196 05 01/01/03 0 1652196 N 12/01/17 0 8381523 286/286 F 398,000.00 ZZ 180 388,722.87 1 6.000 3,358.56 61 5.750 3,358.56 LOOMIS CA 95650 2 10/22/02 00 1591173 05 12/01/02 0 1591173 O 11/01/17 0 8381525 286/286 F 530,000.00 ZZ 180 522,560.77 1 6.000 4,472.45 26 5.750 4,472.45 GREENWICH CT 06831 2 10/29/02 00 1587098 05 12/01/02 0 1587098 O 11/01/17 0 8381527 286/286 F 30,000.00 ZZ 180 29,685.66 1 5.875 251.14 51 5.625 251.14 CARRIZOZO AZ 85901 5 11/15/02 00 1765632 05 01/01/03 0 1765632 O 12/01/17 0 8381529 286/286 F 359,000.00 ZZ 180 355,198.94 1 1 5.750 2,981.18 51 5.500 2,981.18 NEWPORT BEACH CA 92660 2 11/14/02 00 1742700 05 01/01/03 0 1742700 O 12/01/17 0 8381531 286/286 F 126,000.00 ZZ 180 124,395.91 3 7.000 1,132.53 90 6.750 1,132.53 MERIDEN CT 06450 1 10/29/02 12 1727601 05 12/01/02 25 1727601 N 11/01/17 0 8381533 286/286 F 150,000.00 ZZ 180 148,461.23 1 6.125 1,275.94 60 5.875 1,275.94 MOUNTAIN REST SC 29664 5 11/22/02 00 1791340 05 01/01/03 0 1791340 O 12/01/17 0 8381535 286/286 F 77,300.00 ZZ 180 76,490.09 1 5.875 647.10 80 5.625 647.10 NORCROSS GA 30093 1 11/27/02 00 1836275 05 01/01/03 0 1836275 N 12/01/17 0 8381537 286/286 F 404,000.00 ZZ 180 398,282.96 1 5.750 3,354.86 49 5.500 3,354.86 NOVATO CA 94949 2 10/23/02 00 1607071 05 12/01/02 0 1607071 O 11/01/17 0 8381539 286/286 F 232,970.00 ZZ 180 229,595.99 1 5.500 1,903.56 90 5.250 1,903.56 OCOEE FL 34761 1 10/25/02 12 1630812 03 12/01/02 25 1 1630812 O 11/01/17 0 8381545 286/286 F 97,000.00 ZZ 180 96,052.03 1 6.750 858.37 89 6.500 858.37 PALOS HILLS IL 60465 2 11/11/02 11 1738486 01 01/01/03 12 1738486 O 12/01/17 0 8381547 286/286 F 368,000.00 ZZ 180 364,144.39 1 5.875 3,080.60 45 5.625 3,080.60 POWAY CA 92064 2 11/11/02 00 1544103 05 01/01/03 0 1544103 O 12/01/17 0 8381549 286/286 F 600,000.00 T 180 593,647.25 1 5.750 4,982.47 62 5.500 4,982.47 OLYMPIC VALLEY CA 96146 5 11/22/02 00 1798478 05 01/01/03 0 1798478 O 12/01/17 0 8381553 286/286 F 197,000.00 ZZ 180 194,824.65 1 6.125 1,675.74 47 5.875 1,675.74 ALAMEDA CA 94502 2 11/01/02 00 1698610 03 01/01/03 0 1698610 N 12/01/17 0 8381555 286/286 F 464,000.00 ZZ 180 459,138.59 1 5.875 3,884.23 80 5.625 3,884.23 LOS ANGELES CA 90045 5 11/07/02 00 1595476 05 01/01/03 0 1595476 O 12/01/17 0 1 8381557 286/286 F 349,000.00 ZZ 180 345,381.76 1 6.000 2,945.07 48 5.750 2,945.07 ORANGE CA 92869 2 11/13/02 00 1700067 05 01/01/03 0 1700067 O 12/01/17 0 8381559 286/286 F 460,000.00 ZZ 180 453,329.13 1 5.750 3,819.89 58 5.500 3,819.89 MARTINEZ CA 94553 2 10/23/02 00 1575851 03 12/01/02 0 1575851 O 11/01/17 0 8381561 286/286 F 480,000.00 ZZ 180 469,902.82 1 5.625 3,953.92 40 5.375 3,953.92 SAN CARLOS CA 94070 2 11/01/02 00 1591882 05 01/01/03 0 1591882 O 12/01/17 0 8381567 286/286 F 335,000.00 ZZ 180 330,932.42 1 5.625 2,759.51 42 5.375 2,759.51 MALVERN PA 19355 2 11/01/02 00 1609229 05 12/01/02 0 1609229 O 11/01/17 0 8381569 286/286 F 27,000.00 ZZ 180 26,648.38 1 6.750 238.93 90 6.500 238.93 WEST PALM BEACH FL 33409 1 11/01/02 10 1719369 01 12/01/02 25 1719369 N 11/01/17 0 8381577 286/286 F 426,000.00 ZZ 180 419,971.65 1 5.750 3,537.55 35 5.500 3,537.55 1 WESTON CT 06883 2 10/25/02 00 1604679 05 12/01/02 0 1604679 O 11/01/17 0 8382999 E22/G02 F 246,500.00 ZZ 180 245,661.39 1 6.125 2,096.79 85 5.875 2,096.79 WESTMINSTER CO 80031 5 01/17/03 01 0415898311 03 03/01/03 12 0415898311 O 02/01/18 0 8383841 N47/G02 F 520,000.00 ZZ 180 518,154.10 1 5.625 4,283.40 80 5.375 4,283.40 UPLAND CA 91784 5 01/16/03 00 0435333059 05 03/01/03 0 30501679 O 02/01/18 0 8384139 E57/G02 F 111,300.00 ZZ 180 110,909.06 1 5.750 924.25 50 5.500 924.25 WHITTIER CA 90606 2 01/13/03 00 0435300348 05 03/01/03 0 06012923 O 02/01/18 0 8384365 U05/G02 F 111,600.00 ZZ 180 111,232.34 1 6.500 972.16 80 6.250 972.16 TEXAS CITY TX 77591 5 01/09/03 00 0435302591 05 03/01/03 0 3299983 O 02/01/18 0 8384545 X67/G02 F 406,000.00 ZZ 180 403,141.08 1 5.750 3,371.46 79 5.500 3,371.46 SANTA ANA CA 92706 2 12/23/02 00 0435292800 03 02/01/03 0 00281211 O 01/01/18 0 1 8384663 N74/G02 F 51,300.00 ZZ 180 51,132.81 1 6.625 450.41 90 6.375 450.41 WEST FORK AR 72774 5 01/21/03 01 0435279807 05 03/01/03 25 0031550010 O 02/01/18 0 8384673 W47/G02 F 491,900.00 ZZ 180 488,325.25 1 5.375 3,986.68 80 5.125 3,986.68 CHICAGO IL 60647 2 01/17/03 00 0435295803 05 02/23/03 0 02060009 O 01/23/18 0 8384693 N74/G02 F 168,000.00 ZZ 180 166,829.42 1 5.875 1,406.36 79 5.625 1,406.36 WOODBRIDGE VA 22193 2 01/17/03 00 0435279948 05 02/23/03 0 0031537010 O 01/23/18 0 8385095 T44/G02 F 55,000.00 ZZ 180 54,818.81 1 6.500 479.11 65 6.250 479.11 MEMPHIS TN 38117 5 01/08/03 00 0435305479 05 03/01/03 0 1057978 O 02/01/18 0 8385425 944/G02 F 151,000.00 ZZ 180 150,469.62 1 5.750 1,253.92 47 5.500 1,253.92 MILLSTONE NJ 07726 2 01/07/03 00 0435320148 05 03/01/03 0 W02027902 O 02/01/18 0 8386223 E82/G02 F 152,600.00 ZZ 180 152,064.00 1 1 5.750 1,267.21 79 5.500 1,267.21 OPELIKA AL 36801 2 01/23/03 00 0400761615 05 03/01/03 0 4667386 O 02/01/18 0 8386407 E22/G02 F 83,000.00 ZZ 120 82,432.29 1 6.250 931.92 32 6.000 931.92 TROUP TX 75789 5 01/20/03 00 0415754910 05 03/01/03 0 0415754910 O 02/01/13 0 8387101 X47/G02 F 152,000.00 ZZ 180 151,454.70 1 5.500 1,241.97 75 5.250 1,241.97 FLOWER MOUND TX 75022 5 01/17/03 00 0435373253 05 03/01/03 0 K11537 O 02/01/18 0 8387491 G34/G02 F 95,250.00 ZZ 180 94,922.48 1 6.000 803.77 66 5.750 803.77 AUSTIN TX 78745 5 01/17/03 00 0435405501 05 03/01/03 0 85210009 O 02/01/18 0 8387507 W47/G02 F 296,000.00 ZZ 180 293,848.90 1 5.375 2,398.98 80 5.125 2,398.98 DES PLAINES IL 60016 2 01/23/03 00 0435321187 05 02/23/03 0 WH030181 N 01/23/18 0 8387787 U05/G02 F 44,000.00 ZZ 180 43,856.60 1 6.625 386.32 80 6.375 386.32 DALLAS TX 75217 1 01/17/03 00 0435316906 05 03/01/03 0 1 3296625 N 02/01/18 0 8387851 U05/G02 F 86,500.00 ZZ 180 86,218.09 1 6.625 759.46 53 6.375 759.46 PLANO TX 75023 5 01/15/03 00 0435316625 03 03/01/03 0 3302924 O 02/01/18 0 8387857 U05/G02 F 127,000.00 ZZ 180 126,563.30 4 6.000 1,071.70 29 5.750 1,071.70 NATIONAL CITY CA 91950 2 01/13/03 00 0435316799 05 03/01/03 0 3296641 N 02/01/18 0 8388413 K15/G02 F 100,500.00 ZZ 180 100,150.73 1 5.875 841.30 72 5.625 841.30 PERRY MI 48872 2 01/10/03 00 0435316088 05 03/01/03 0 036305508984 O 02/01/18 0 8388699 U05/G02 F 127,000.00 ZZ 180 126,563.30 4 6.000 1,071.70 29 5.750 1,071.70 NATIONAL CITY CA 91950 2 01/13/03 00 0435361555 29 03/01/03 0 3296622 N 02/01/18 0 8388923 E45/G02 F 55,000.00 ZZ 180 54,612.70 1 5.750 456.73 38 5.500 456.73 POWDER SPRINGS GA 30127 5 12/10/02 00 0435326731 05 02/01/03 0 291014 N 01/01/18 0 1 8389077 U05/G02 F 94,000.00 ZZ 180 93,676.77 3 6.000 793.23 28 5.750 793.23 SAN DIEGO CA 92114 2 01/13/03 00 0435318233 05 03/01/03 0 3296649 N 02/01/18 0 8392835 E22/G02 F 33,600.00 ZZ 180 33,326.92 1 6.625 295.01 40 6.375 295.01 BURLESON TX 76028 2 01/13/03 00 0415740117 05 03/01/03 0 0415740117 O 02/01/18 0 8392891 E22/G02 F 98,000.00 ZZ 180 97,666.60 1 6.125 833.61 90 5.875 833.61 BURTON MI 48529 2 01/22/03 11 0415791748 05 03/01/03 12 0415791748 O 02/01/18 0 8392991 E22/G02 F 250,000.00 ZZ 180 249,112.55 1 5.625 2,059.33 74 5.375 2,059.33 MICCO FL 32976 2 01/22/03 00 0415867183 05 03/01/03 0 0415867183 O 02/01/18 0 8392997 E22/G02 F 156,500.00 ZZ 180 155,950.31 1 5.750 1,299.59 67 5.500 1,299.59 ROCHELLE PARK NJ 07662 2 01/22/03 00 0415876267 05 03/01/03 0 0415876267 O 02/01/18 0 8393011 E22/G02 F 91,200.00 ZZ 180 90,893.03 1 6.250 781.97 80 6.000 781.97 1 EDMOND OK 73013 2 01/21/03 00 0415909092 05 03/01/03 0 0415909092 O 02/01/18 0 8393015 E22/G02 F 166,000.00 ZZ 180 165,429.20 1 6.000 1,400.80 71 5.750 1,400.80 AUSTIN TX 78757 5 01/21/03 00 0415913292 05 03/01/03 0 0415913292 O 02/01/18 0 8393021 E22/G02 F 54,000.00 ZZ 180 53,816.29 1 6.125 459.34 99 5.875 459.34 BIRMINGHAM AL 35211 2 01/22/03 01 0415920412 05 03/01/03 30 0415920412 O 02/01/18 0 8393085 E82/G02 F 117,600.00 ZZ 180 117,178.11 1 5.500 960.89 59 5.250 960.89 FLAT ROCK MI 48134 2 01/24/03 00 0400764205 05 03/01/03 0 1805690 O 02/01/18 0 8393703 M27/G02 F 93,150.00 ZZ 180 92,822.81 1 5.750 773.53 89 5.500 773.53 LIBERTY SC 29657 2 01/22/03 01 0435336409 05 03/01/03 12 0100052082 O 02/01/18 0 8393813 N74/G02 F 76,000.00 ZZ 180 75,752.30 1 6.625 667.28 80 6.375 667.28 TEXARKANA TX 75501 5 01/23/03 00 0435316286 05 03/01/03 0 0031559010 O 02/01/18 0 1 8393821 532/G02 F 96,000.00 ZZ 180 95,662.81 1 5.750 797.19 37 5.500 797.19 REDDING CA 96003 5 01/10/03 00 0435297569 05 03/01/03 0 PF03085 O 02/01/18 0 8393979 N74/G02 F 75,300.00 ZZ 180 75,029.87 1 5.500 615.26 60 5.250 615.26 RICHMOND VA 23231 5 01/24/03 00 0435316567 05 03/01/03 0 0031575010 O 02/01/18 0 8393983 W77/G02 F 63,200.00 ZZ 180 62,994.03 1 6.625 554.89 80 6.375 554.89 LAREDO TX 78045 2 01/09/03 00 0435300462 05 03/01/03 0 W0212086 N 02/01/18 0 8394277 W02/G02 F 30,000.00 ZZ 180 29,790.95 1 5.875 251.14 40 5.625 251.14 PLANTATION FL 33313 5 12/19/02 00 0435325444 01 02/01/03 0 1001861269 O 01/01/18 0 8394815 E11/G02 F 170,000.00 ZZ 180 169,402.88 1 5.750 1,411.70 71 5.500 1,411.70 MINNEAPOLIS MN 55406 5 01/20/03 00 0435382601 05 03/01/03 0 1 O 02/01/18 0 8395419 E22/G02 F 54,750.00 ZZ 180 54,575.38 1 1 6.875 488.29 75 6.625 488.29 OMAHA NE 68111 5 01/28/03 00 0415779008 05 03/01/03 0 0415779008 N 02/01/18 0 8395803 N47/G02 F 364,000.00 ZZ 180 362,761.65 1 6.125 3,096.27 41 5.875 3,096.27 OAKVILLE CA 94558 5 01/10/03 00 0435333349 05 03/01/03 0 90500316 O 02/01/18 0 8395809 K15/G02 F 149,200.00 ZZ 120 148,283.38 1 5.875 1,647.08 75 5.625 1,647.08 KENNEBUNKPORT ME 04046 5 01/21/03 00 0435317573 05 03/01/03 0 013405509200 O 02/01/13 0 8395865 U05/G02 F 120,000.00 ZZ 180 119,608.91 2 6.625 1,053.59 75 6.375 1,053.59 KEIZER OR 97303 5 01/17/03 00 0435321401 05 03/01/03 0 3290910 N 02/01/18 0 8396337 952/G02 F 111,000.00 ZZ 180 110,605.97 1 5.625 914.34 53 5.375 914.34 PORT JEFFERSON NY 11776 2 01/22/03 00 0435432117 01 03/01/03 0 00620249 O 02/01/18 0 8396621 975/G02 F 133,000.00 ZZ 180 132,527.88 1 5.625 1,095.56 62 5.375 1,095.56 POMONA CA 91766 2 01/03/03 00 0435324330 05 03/01/03 0 1 2024471 O 02/01/18 0 8396693 M27/G02 F 102,400.00 ZZ 180 102,044.12 1 5.875 857.21 80 5.625 857.21 MEMPHIS TN 38133 1 01/24/03 00 0435338462 05 03/01/03 0 600872308 O 02/01/18 0 8396781 Q87/G02 F 52,500.00 TX 180 52,327.05 1 6.500 457.33 75 6.250 457.33 PORT ARTHUR TX 77642 5 01/22/03 00 0435307897 05 03/01/03 0 PIWI01 O 02/01/18 0 8396889 X67/G02 F 143,000.00 ZZ 180 141,669.22 1 5.375 1,158.97 47 5.125 1,158.97 GARDEN GROVE CA 92840 2 01/03/03 00 0435326970 05 03/01/03 0 00282233 N 02/01/18 0 8396905 X67/G02 F 135,000.00 ZZ 180 134,525.83 1 5.750 1,121.05 69 5.500 1,121.05 BALDWIN PARK CA 91706 5 01/14/03 00 0435304480 05 03/01/03 0 00282603 O 02/01/18 0 8396975 E84/G02 F 345,000.00 ZZ 180 342,596.13 2 5.875 2,888.06 41 5.625 2,888.06 BERKELEY CA 94704 5 12/09/02 00 0435315049 05 02/01/03 0 73320082 O 01/01/18 0 1 8397011 A35/G02 F 250,000.00 ZZ 180 249,121.89 1 5.750 2,076.03 59 5.500 2,076.03 COPIAGUE NY 11726 1 01/29/03 00 0435305586 05 03/01/03 0 14476 O 02/01/18 0 8397055 A06/G02 F 73,000.00 ZZ 180 72,735.34 1 5.375 591.64 46 5.125 591.64 WARREN MI 48093 5 01/24/03 00 0435293824 05 03/01/03 0 1646 O 02/01/18 0 8397815 E82/G02 F 74,000.00 ZZ 180 73,534.53 1 5.500 604.64 43 5.250 604.64 LAKE OZARK MO 65049 2 01/27/03 00 0400770442 03 03/01/03 0 1667757 O 02/01/18 0 8397923 E82/G02 F 87,700.00 ZZ 180 87,401.64 2 6.125 746.00 54 5.875 746.00 BEACON NY 12508 2 01/30/03 00 0400750139 05 03/01/03 0 1812630 N 02/01/18 0 8397933 E82/G02 F 73,000.00 ZZ 180 72,743.59 1 5.750 606.20 68 5.500 606.20 OMAHA NE 68114 2 01/27/03 00 0400763793 05 03/01/03 0 4560894 O 02/01/18 0 8398017 E82/G02 F 143,000.00 ZZ 180 142,497.72 1 5.750 1,187.49 90 5.500 1,187.49 1 SPANISH FORK UT 84660 2 01/27/03 10 0400762035 05 03/01/03 12 1915141 O 02/01/18 0 8398025 E82/G02 F 248,600.00 ZZ 180 247,717.51 1 5.625 2,047.80 77 5.375 2,047.80 GROTON CT 06355 2 01/27/03 00 0400770475 05 03/01/03 0 7670955 O 02/01/18 0 8398083 E22/G02 F 175,000.00 ZZ 180 174,372.18 1 5.500 1,429.90 27 5.250 1,429.90 HIGHLAND PARK IL 60035 2 01/24/03 00 0415633767 05 03/01/03 0 0415633767 O 02/01/18 0 8398451 758/G02 F 47,200.00 ZZ 180 46,867.64 1 5.750 391.95 39 5.500 391.95 CONROE TX 77306 5 12/27/02 00 0435346747 05 02/01/03 0 330574 O 01/01/18 0 8398533 956/956 F 430,000.00 ZZ 180 428,489.66 1 5.750 3,570.76 63 5.500 3,570.76 BURBANK CA 91501 5 01/07/03 00 612120253 05 03/01/03 0 612120253 O 02/01/18 0 8398535 956/956 F 508,000.00 ZZ 180 504,346.75 1 5.500 4,150.78 80 5.250 4,150.78 ARROYO GRANDE CA 93420 1 12/12/02 00 1112110830 05 02/01/03 0 1112110830 O 01/01/18 0 1 8398537 956/956 F 448,000.00 ZZ 180 444,811.91 1 5.625 3,690.32 80 5.375 3,690.32 GIG HARBOR WA 98335 2 12/19/02 00 1312110466 05 02/01/03 0 1312110466 O 01/01/18 0 8398539 956/956 F 370,000.00 ZZ 180 367,394.57 1 5.750 3,072.52 72 5.500 3,072.52 ELMHURST IL 60126 5 12/27/02 00 4712100188 05 02/01/03 0 4712100188 O 01/01/18 0 8398575 K15/G02 F 125,800.00 ZZ 180 125,390.00 1 6.625 1,104.52 90 6.375 1,104.52 DEARBORN MI 48124 5 01/21/03 41 0435317839 05 03/01/03 12 003500005509525 O 02/01/18 0 8398727 X67/G02 F 157,000.00 ZZ 180 156,454.37 3 5.875 1,314.28 57 5.625 1,314.28 CHICAGO IL 60619 2 01/10/03 00 0435319298 05 03/01/03 0 00282412 O 02/01/18 0 8398851 M27/G02 F 101,000.00 ZZ 180 100,648.99 1 5.875 845.49 62 5.625 845.49 NORWOOD NC 28128 5 01/21/03 00 0435318407 05 03/01/03 0 600873321 O 02/01/18 0 8398897 Q87/G02 F 87,500.00 ZZ 180 87,192.66 1 1 5.750 726.61 76 5.500 726.61 MOBILE AL 36604 5 01/27/03 00 0435315510 05 03/01/03 0 JOJO01 O 02/01/18 0 8398899 W39/G02 F 115,000.00 ZZ 180 114,612.92 1 6.250 986.04 70 6.000 986.04 RICHARDSON TX 75081 5 01/27/03 00 0435337563 05 03/01/03 0 PN130323 O 02/01/18 0 8398903 M27/G02 F 77,000.00 ZZ 180 76,729.54 1 5.750 639.42 66 5.500 639.42 BATESBURG SC 29006 5 01/21/03 00 0435323415 05 03/01/03 0 600873002 O 02/01/18 0 8398937 642/G02 F 116,000.00 ZZ 180 115,583.85 1 5.500 947.82 78 5.250 947.82 COLORADO SPRING CO 80904 5 01/27/03 00 0435305818 05 03/01/03 0 01141703 O 02/01/18 0 8399193 S27/G02 F 66,300.00 ZZ 180 66,072.02 1 6.000 559.48 65 5.750 559.48 LAKELAND FL 33810 2 01/28/03 00 0435317763 05 03/01/03 0 1 N 02/01/18 0 8399377 E84/G02 F 116,000.00 ZZ 180 113,786.50 1 6.000 978.87 73 5.750 978.87 ORLAND PARK IL 60462 5 10/28/02 00 0435422282 01 12/01/02 0 1 11406040 O 11/01/17 0 8399395 714/G02 F 507,315.38 ZZ 180 505,495.39 1 5.500 4,145.19 61 5.250 4,145.19 SAUKVILLE WI 53080 2 01/23/03 00 0435315122 05 03/01/03 0 1 O 02/01/18 0 8399519 E84/G02 F 150,000.00 ZZ 180 149,478.69 1 5.875 1,255.68 79 5.625 1,255.68 BEND OR 97702 1 01/24/03 00 0435466909 05 03/01/03 0 61702689 O 02/01/18 0 8400231 E82/G02 F 86,200.00 ZZ 180 86,200.00 1 5.875 721.60 27 5.625 721.60 CORTLANDT MANOR NY 10566 2 01/29/03 00 0400746285 05 04/01/03 0 1672381 O 03/01/18 0 8400247 E82/G02 F 73,600.00 ZZ 180 73,338.73 1 5.625 606.27 57 5.375 606.27 COPPELL TX 75019 2 01/27/03 00 0400763942 05 03/01/03 0 1762538 O 02/01/18 0 8400421 E22/G02 F 63,100.00 ZZ 180 62,880.71 1 5.875 528.22 75 5.625 528.22 KATY TX 77449 2 01/29/03 00 0415651793 03 03/01/03 0 0415651793 N 02/01/18 0 1 8400509 E22/G02 F 60,808.00 ZZ 180 60,808.00 1 6.000 513.13 80 5.750 513.13 FORT WORTH TX 76116 1 01/30/03 00 0415930015 05 04/01/03 0 0415930015 N 03/01/18 0 8400607 E22/G02 F 27,000.00 ZZ 180 26,912.00 1 6.625 237.06 75 6.375 237.06 WARREN MI 48091 1 01/30/03 00 0416028074 05 03/01/03 0 0416028074 N 02/01/18 0 8400633 E22/G02 F 336,000.00 ZZ 180 334,794.60 1 5.500 2,745.40 57 5.250 2,745.40 IRVINE CA 92620 5 01/15/03 00 0415850916 03 03/01/03 0 0415850916 O 02/01/18 0 8400759 E22/G02 F 72,000.00 ZZ 180 71,749.77 1 5.875 602.73 80 5.625 602.73 HOUSTON TX 77040 2 01/29/03 00 0415651231 05 03/01/03 0 0415651231 N 02/01/18 0 8401303 964/G02 F 440,000.00 ZZ 180 438,438.08 1 5.625 3,624.42 74 5.375 3,624.42 TACOMA WA 98422 5 01/23/03 00 0435431697 03 03/01/03 0 329859 O 02/01/18 0 8401381 A39/G02 F 500,000.00 ZZ 180 498,243.78 1 5.750 4,152.05 80 5.500 4,152.05 1 LOS ANGELES CA 90025 5 01/17/03 00 0435335211 01 03/01/03 0 2202548RFC O 02/01/18 0 8401425 W35/G02 F 73,200.00 ZZ 180 72,942.89 1 5.750 607.86 78 5.500 607.86 ANDERSON IN 46012 5 01/24/03 00 0435320023 05 03/01/03 0 16583 O 02/01/18 0 8401503 M27/G02 F 134,000.00 ZZ 180 133,524.33 1 5.625 1,103.80 70 5.375 1,103.80 CHARLOTTE NC 28277 2 01/24/03 00 0435320791 03 03/01/03 0 0100083192 O 02/01/18 0 8401535 U87/G02 F 244,500.00 ZZ 180 243,622.85 1 5.500 1,997.77 39 5.250 1,997.77 TARZANA CA 91356 2 01/24/03 00 0435323027 05 03/01/03 0 4673 O 02/01/18 0 8401635 624/G02 F 380,000.00 ZZ 180 378,679.37 1 5.875 3,181.05 80 5.625 3,181.05 FOUNTAIN VALLEY CA 92708 5 01/20/03 00 0435319280 05 03/01/03 0 1000021457 O 02/01/18 0 8401769 U37/U37 F 480,000.00 ZZ 180 478,314.03 1 5.750 3,985.97 64 5.500 3,985.97 CARPINTERIA CA 93013 5 01/07/03 00 8900010868 05 03/01/03 0 8900010868 O 02/01/18 0 1 8401781 M27/G02 F 228,300.00 ZZ 180 227,480.97 1 5.500 1,865.40 71 5.250 1,865.40 LAURENS SC 29360 2 01/22/03 00 0435320734 05 03/01/03 0 0100056161 O 02/01/18 0 8401793 A21/G02 F 193,000.00 ZZ 180 192,314.88 2 5.625 1,589.81 69 5.375 1,589.81 UNION NJ 07083 1 01/23/03 00 0435383252 05 03/01/03 0 0100133726 O 02/01/18 0 8402013 H81/G02 F 111,000.00 ZZ 180 110,626.38 1 6.250 951.74 45 6.000 951.74 MUSKEGO WI 53150 5 01/24/03 00 0435327465 05 03/01/03 0 WH17848 O 02/01/18 0 8402033 975/G02 F 288,500.00 ZZ 180 287,454.05 1 5.375 2,338.19 75 5.125 2,338.19 ALISO VIEJO CA 92656 2 01/02/03 00 0435325311 05 03/01/03 0 2025862 O 02/01/18 0 8402141 X47/G02 F 125,600.00 ZZ 180 125,163.50 1 5.875 1,051.42 80 5.625 1,051.42 FRISCO TX 75035 5 01/13/03 00 0435443775 03 03/01/03 0 K11508 O 02/01/18 0 8402179 K15/G02 F 126,000.00 ZZ 180 125,566.74 1 1 6.000 1,063.26 79 5.750 1,063.26 WEST PALM BEACH FL 33407 5 01/22/03 00 0435315411 03 03/01/03 0 009405506120 O 02/01/18 0 8402373 W08/G02 F 53,600.00 ZZ 180 53,600.00 1 5.759 445.36 80 5.509 445.36 NEW PORT RICHEY FL 34652 5 01/28/03 00 0435321237 05 04/01/03 0 021820MG O 03/01/18 0 8402493 E84/G02 F 113,250.00 ZZ 180 112,477.47 1 6.125 963.33 80 5.875 963.33 BATTLEFIELD MO 65619 1 12/19/02 00 0435321617 05 02/01/03 0 58720171 O 01/01/18 0 8402585 624/G02 F 212,000.00 ZZ 180 211,255.36 1 5.750 1,760.47 70 5.500 1,760.47 LAKE ARROWHEAD CA 92352 5 01/16/03 00 0435308903 05 03/01/03 0 1000018384 O 02/01/18 0 8402737 E84/G02 F 141,000.00 ZZ 180 139,346.28 1 5.375 1,142.76 79 5.125 1,142.76 FORT WASHINGTON MD 20744 2 10/24/02 00 0435485511 05 12/01/02 0 70307628 O 11/01/17 0 8402975 E84/G02 F 648,000.00 ZZ 180 645,747.97 1 5.875 5,424.53 68 5.625 5,424.53 ORINDA CA 94563 2 01/09/03 00 0435333935 05 03/01/03 0 1 73023572 O 02/01/18 0 8403053 588/G02 F 153,000.00 ZZ 180 152,479.48 2 6.125 1,301.46 90 5.875 1,301.46 CITY OF BAYONNE NJ 07002 1 01/21/03 04 0435319546 05 03/01/03 25 00010815487 O 02/01/18 0 8403487 E82/G02 F 71,000.00 ZZ 180 71,000.00 1 5.375 575.43 60 5.125 575.43 SALEM NH 03079 2 01/30/03 00 0400766861 05 04/01/03 0 1732987 O 03/01/18 0 8403623 E22/G02 F 428,000.00 ZZ 180 428,000.00 1 6.000 3,611.71 60 5.750 3,611.71 CAPE MAY POINT NJ 08212 2 01/31/03 00 0415615467 05 04/01/03 0 0415615467 N 03/01/18 0 8403631 E22/G02 F 168,000.00 ZZ 180 167,446.54 1 6.500 1,463.46 80 6.250 1,463.46 MIAMI FL 33170 5 01/31/03 00 0415647395 05 03/01/03 0 0415647395 N 02/01/18 0 8403657 E22/G02 F 172,000.00 ZZ 120 170,943.31 1 5.875 1,898.77 80 5.625 1,898.77 CROWLEY TX 76036 5 01/27/03 00 0415724285 05 03/01/03 0 0415724285 O 02/01/13 0 1 8403663 E22/G02 F 642,000.00 ZZ 180 632,707.47 1 5.500 5,245.68 75 5.250 5,245.68 AUSTIN TX 78732 5 01/27/03 00 0415732775 05 03/01/03 0 0415732775 O 02/01/18 0 8403687 E22/G02 F 371,000.00 ZZ 180 369,224.29 1 6.000 3,130.71 73 5.750 3,130.71 ROYAL PALM BEAC FL 33411 5 01/27/03 00 0415758937 03 03/01/03 0 0415758937 O 02/01/18 0 8403713 E22/G02 F 125,000.00 ZZ 180 124,560.95 1 5.750 1,038.01 50 5.500 1,038.01 HICKSVILLE NY 11801 2 01/24/03 00 0415779214 05 03/01/03 0 0415779214 O 02/01/18 0 8403717 E22/G02 F 265,000.00 ZZ 180 262,732.82 1 5.750 2,200.59 62 5.500 2,200.59 SACHSE TX 75048 2 01/27/03 00 0415785252 05 03/01/03 0 0415785252 O 02/01/18 0 8403781 E22/G02 F 169,200.00 ZZ 180 168,642.59 4 6.500 1,473.91 90 6.250 1,473.91 HUNTSVILLE AL 35802 1 01/31/03 04 0415833433 05 03/01/03 20 0415833433 N 02/01/18 0 8403783 E22/G02 F 169,200.00 ZZ 180 168,642.59 4 6.500 1,473.91 90 6.250 1,473.91 1 HUNTSVILLE AL 35802 1 01/31/03 04 0415833565 05 03/01/03 20 0415833565 N 02/01/18 0 8403819 E22/G02 F 100,000.00 ZZ 180 99,645.02 1 5.625 823.73 53 5.375 823.73 AVELLA (BLAINE PA 15312 5 01/27/03 00 0415860535 05 03/01/03 0 0415860535 O 02/01/18 0 8403829 E22/G02 F 624,600.00 ZZ 180 622,429.30 1 5.875 5,228.64 68 5.625 5,228.64 WESTON FL 33327 5 01/27/03 00 0415872126 03 03/01/03 0 0415872126 O 02/01/18 0 8403875 E22/G02 F 153,600.00 ZZ 180 153,048.96 1 5.500 1,255.04 80 5.250 1,255.04 DENVER CO 80249 5 01/27/03 00 0415901248 03 03/01/03 0 0415901248 O 02/01/18 0 8403971 E22/G02 F 52,200.00 ZZ 180 52,016.66 1 5.750 433.47 90 5.500 433.47 BURLESON TX 76028 1 01/31/03 01 0415973601 05 03/01/03 25 0415973601 N 02/01/18 0 8404323 H76/G02 F 168,300.00 ZZ 180 167,708.86 1 5.750 1,397.58 85 5.500 1,397.58 WOODRUFF SC 29388 5 01/22/03 01 0435337043 05 03/01/03 6 2002461032 O 02/01/18 0 1 8404741 S54/G02 F 140,000.00 ZZ 180 140,000.00 1 6.500 1,219.55 87 6.250 1,219.55 ERLANGER KY 41018 5 01/28/03 14 0435333927 05 04/01/03 12 7699274 O 03/01/18 0 8406261 N74/G02 F 139,500.00 ZZ 180 139,500.00 1 6.375 1,205.63 90 6.125 1,205.63 ROXBORO NC 27573 5 01/29/03 01 0435365226 05 04/01/03 25 0031584010 O 03/01/18 0 8406333 642/G02 F 50,000.00 ZZ 180 49,828.07 1 6.000 421.93 48 5.750 421.93 LANCASTER CA 93536 5 01/24/03 00 0435366018 05 03/01/03 0 01156203 O 02/01/18 0 8406377 G51/G02 F 51,000.00 ZZ 180 50,822.76 1 5.875 426.93 45 5.625 426.93 PORT SAINT LUCI FL 34952 5 01/24/03 00 0435327002 05 03/01/03 0 25001963 O 02/01/18 0 8406423 967/G02 F 59,200.00 ZZ 180 59,007.06 1 6.625 519.77 80 6.375 519.77 LONGVIEW WA 98632 5 01/26/03 00 0435333034 05 03/01/03 0 5627955 N 02/01/18 0 8406429 X64/G02 F 332,900.00 ZZ 180 331,718.27 1 1 5.625 2,742.20 77 5.375 2,742.20 WASHINGTON TOWN MI 48094 2 01/27/03 00 0435368816 05 03/01/03 0 0000002189 O 02/01/18 0 8406691 K15/G02 F 104,800.00 ZZ 180 104,435.78 1 5.875 877.30 78 5.625 877.30 BEDFORD HEIGHTS OH 44146 5 01/21/03 00 0435318969 05 03/01/03 0 028705505939 O 02/01/18 0 8406843 K15/G02 F 73,000.00 ZZ 120 72,554.55 1 6.000 810.45 53 5.750 810.45 CHARLESTOWN NH 03603 5 01/25/03 00 0435316930 05 03/01/03 0 033305510080 O 02/01/13 0 8406899 P09/G02 F 238,000.00 ZZ 180 237,181.62 1 6.000 2,008.38 89 5.750 2,008.38 DOWNINGTON PA 19335 5 01/24/03 10 0435429733 05 03/01/03 25 PA021208 O 02/01/18 0 8406959 E84/G02 F 616,500.00 ZZ 180 614,288.30 1 5.500 5,037.32 80 5.250 5,037.32 COLORADO SPRING CO 80920 2 01/07/03 00 0435339247 03 03/01/03 0 1101015731 O 02/01/18 0 8407185 964/G02 F 121,500.00 ZZ 180 121,050.16 1 5.125 968.75 60 4.875 968.75 WEST JORDAN UT 84088 2 01/23/03 00 0435351564 05 03/01/03 0 1 331828 O 02/01/18 0 8407237 W68/G02 F 276,800.00 ZZ 180 275,817.41 1 5.625 2,280.09 36 5.375 2,280.09 CYPRESS TX 77429 2 01/15/03 00 0435448709 05 03/01/03 0 34544 O 02/01/18 0 8407269 964/G02 F 257,000.00 ZZ 180 256,097.30 1 5.750 2,134.16 40 5.500 2,134.16 NOVATO CA 94947 2 01/10/03 00 0435353198 05 03/01/03 0 294699 O 02/01/18 0 8407311 964/G02 F 210,000.00 ZZ 180 209,238.65 1 5.375 1,701.98 42 5.125 1,701.98 SAN FRANCISCO CA 94112 2 01/03/03 00 0435353701 05 03/01/03 0 307403 O 02/01/18 0 8407315 964/G02 F 292,000.00 ZZ 180 290,963.45 1 5.625 2,405.30 39 5.375 2,405.30 MILL VALLEY CA 94941 2 01/16/03 00 0435356340 05 03/01/03 0 308434 O 02/01/18 0 8407339 964/G02 F 90,000.00 ZZ 180 89,683.88 1 5.750 747.37 75 5.500 747.37 DALLAS OR 97338 5 01/15/03 00 0435356845 05 03/01/03 0 312333 O 02/01/18 0 1 8407365 964/G02 F 275,000.00 ZZ 180 274,044.27 1 5.875 2,302.08 58 5.625 2,302.08 SANTA ROSA CA 95404 2 01/09/03 00 0435355763 05 03/01/03 0 316707 O 02/01/18 0 8407373 964/G02 F 262,500.00 ZZ 180 261,558.27 1 5.500 2,144.85 46 5.250 2,144.85 ROWLAND HEIGHTS CA 91748 2 01/09/03 00 0435360599 03 03/01/03 0 318208 O 02/01/18 0 8407385 964/G02 F 117,000.00 ZZ 180 116,580.26 1 5.500 955.99 45 5.250 955.99 VACAVILLE CA 95687 2 01/15/03 00 0435356522 05 03/01/03 0 318670 O 02/01/18 0 8407389 964/G02 F 179,000.00 ZZ 180 178,357.84 1 5.500 1,462.58 41 5.250 1,462.58 LA CENTER WA 98629 2 01/16/03 00 0435356373 05 03/01/03 0 318826 O 02/01/18 0 8407397 964/G02 F 298,000.00 ZZ 180 296,919.60 1 5.375 2,415.19 54 5.125 2,415.19 FREMONT CA 94536 2 01/16/03 00 0435353453 03 03/01/03 0 320145 O 02/01/18 0 8407405 964/G02 F 18,750.00 ZZ 180 18,685.53 1 6.000 158.22 75 5.750 158.22 1 HOUSTON TX 77035 1 01/14/03 00 0435362801 01 03/01/03 0 320309 N 02/01/18 0 8407429 964/G02 F 190,000.00 ZZ 180 189,325.54 1 5.625 1,565.09 46 5.375 1,565.09 SAN JOSE CA 95132 2 01/07/03 00 0435356308 05 03/01/03 0 321122 O 02/01/18 0 8407501 964/G02 F 160,000.00 ZZ 180 159,419.92 1 5.375 1,296.75 39 5.125 1,296.75 SAN FRANCISCO CA 94112 5 01/07/03 00 0435360987 05 03/01/03 0 323554 O 02/01/18 0 8407505 964/G02 F 296,000.00 ZZ 180 294,926.85 1 5.375 2,398.98 71 5.125 2,398.98 FREMONT CA 94555 2 01/16/03 00 0435356902 05 03/01/03 0 323869 O 02/01/18 0 8407513 964/G02 F 266,300.00 ZZ 180 265,344.64 1 5.500 2,175.90 23 5.250 2,175.90 MIAMI BEACH FL 33141 2 01/17/03 00 0435360904 05 03/01/03 0 324414 O 02/01/18 0 8407527 964/G02 F 143,400.00 T 180 142,869.08 1 5.125 1,143.36 35 4.875 1,143.36 SHAVER LAKE CA 93664 2 01/15/03 00 0435353412 05 03/01/03 0 324897 O 02/01/18 0 1 8407535 964/G02 F 125,000.00 ZZ 180 124,556.27 1 5.625 1,029.67 18 5.375 1,029.67 SAN FRANCISCO CA 94132 2 01/14/03 00 0435356712 05 03/01/03 0 327154 O 02/01/18 0 8407537 964/G02 F 208,000.00 ZZ 180 207,221.82 1 5.000 1,644.85 59 4.750 1,644.85 SAN LEANDRO CA 94578 2 01/17/03 00 0435356886 05 03/01/03 0 327924 O 02/01/18 0 8407553 964/G02 F 220,000.00 ZZ 180 219,193.97 1 5.250 1,768.53 42 5.000 1,768.53 SAN FRANCISCO CA 94112 2 01/22/03 00 0435356803 05 03/01/03 0 329769 O 02/01/18 0 8407555 964/G02 F 189,000.00 ZZ 180 188,292.90 1 5.000 1,494.60 33 4.750 1,494.60 SAN FRANCISCO CA 94131 2 01/22/03 00 0435355938 01 03/01/03 0 329838 O 02/01/18 0 8407557 964/G02 F 190,000.00 ZZ 180 189,311.15 1 5.375 1,539.89 66 5.125 1,539.89 LA MIRADA CA 90638 5 01/14/03 00 0435353768 05 03/01/03 0 330091 O 02/01/18 0 8407567 964/G02 F 117,600.00 ZZ 180 117,169.14 1 1 5.250 945.36 80 5.000 945.36 SAN ANTONIO TX 78213 2 01/16/03 00 0435353529 03 03/01/03 0 332546 O 02/01/18 0 8407621 964/G02 F 94,000.00 ZZ 180 93,666.32 1 5.625 774.31 65 5.375 774.31 LENEXA KS 66227 5 01/16/03 00 0435362835 05 03/01/03 0 295723 O 02/01/18 0 8407623 964/G02 F 245,000.00 ZZ 180 244,148.54 1 5.875 2,050.94 45 5.625 2,050.94 SAN FRANCISCO CA 94110 2 01/09/03 00 0435353917 05 03/01/03 0 296540 O 02/01/18 0 8407629 964/G02 F 214,000.00 ZZ 180 213,215.95 1 5.250 1,720.30 41 5.000 1,720.30 FREMONT CA 94538 2 01/08/03 00 0435351655 05 03/01/03 0 308852 O 02/01/18 0 8407631 964/G02 F 251,000.00 ZZ 180 250,118.38 1 5.750 2,084.33 70 5.500 2,084.33 ALISO VIEJO CA 92656 2 01/02/03 00 0435353354 01 03/01/03 0 310281 O 02/01/18 0 8407637 964/G02 F 240,000.00 ZZ 180 239,139.00 1 5.500 1,961.00 31 5.250 1,961.00 FREMONT CA 94539 2 01/13/03 00 0435353552 05 03/01/03 0 1 314997 O 02/01/18 0 8407647 964/G02 F 170,000.00 ZZ 180 169,383.67 1 5.375 1,377.79 34 5.125 1,377.79 SAN FRANCISCO CA 94134 2 01/09/03 00 0435354378 05 03/01/03 0 319471 O 02/01/18 0 8407653 964/G02 F 165,000.00 ZZ 180 164,420.45 1 5.750 1,370.18 58 5.500 1,370.18 GRANITE BAY CA 95746 5 01/16/03 00 0435356969 05 03/01/03 0 320230 O 02/01/18 0 8407659 964/G02 F 135,000.00 ZZ 180 134,530.83 1 5.875 1,130.11 74 5.625 1,130.11 CLEMENTS CA 95227 5 01/13/03 00 0435351630 05 03/01/03 0 322633 O 02/01/18 0 8407671 964/G02 F 65,000.00 ZZ 180 64,764.35 1 5.375 526.80 26 5.125 526.80 GRASS VALLEY CA 95945 5 01/16/03 00 0435355482 05 03/01/03 0 326588 O 02/01/18 0 8407691 624/G02 F 110,000.00 ZZ 180 109,605.38 1 5.500 898.79 42 5.250 898.79 NIPOMO CA 93444 5 01/17/03 00 0435362009 05 03/01/03 0 1000021799 O 02/01/18 0 1 8407701 W82/G02 F 93,500.00 ZZ 180 93,164.57 1 5.500 763.97 90 5.250 763.97 EMPORIA KS 66801 5 01/23/03 10 0435415039 05 03/01/03 12 910003254 O 02/01/18 0 8407907 L20/G02 F 211,250.00 ZZ 180 210,484.11 1 5.375 1,712.11 72 5.125 1,712.11 RENO NV 89503 5 01/24/03 00 0435337357 05 03/01/03 0 1141140016 O 02/01/18 0 8408021 144/144 F 182,000.00 ZZ 180 181,367.48 1 5.875 1,523.56 45 5.625 1,523.56 PEARL RIVER NY 10965 2 01/08/03 00 02WPIPOLOF 05 03/01/03 0 02WPIPOLOF O 02/01/18 0 8408025 G34/G02 F 268,000.00 ZZ 180 267,068.60 1 5.875 2,243.48 80 5.625 2,243.48 LITCHFIELD CT 06759 5 01/21/03 00 0435450788 05 03/01/03 0 85210111 O 02/01/18 0 8408069 W40/G02 F 53,100.00 ZZ 180 52,925.07 1 6.500 462.56 90 6.250 462.56 LANSING MI 48912 5 01/29/03 01 0435321054 05 03/01/03 12 102-016666 O 02/01/18 0 8408303 E82/G02 F 236,500.00 ZZ 180 235,703.96 2 6.250 2,027.81 79 6.000 2,027.81 1 BELLEROSE NY 11426 2 01/31/03 00 0400764395 05 03/01/03 0 6828994 O 02/01/18 0 8408309 E82/G02 F 114,500.00 ZZ 180 114,093.55 1 5.625 943.17 59 5.375 943.17 LYNNWOOD WA 98036 2 02/03/03 00 0400777033 05 03/01/03 0 1791703 N 02/01/18 0 8408321 E82/G02 F 197,000.00 ZZ 180 197,000.00 1 5.875 1,649.12 62 5.625 1,649.12 SUGAR LAND TX 77479 2 01/31/03 00 0400754925 05 04/01/03 0 3945843 O 03/01/18 0 8408323 E82/G02 F 58,400.00 ZZ 180 58,205.53 1 6.375 504.72 69 6.125 504.72 DENTON TX 76201 2 02/03/03 00 0400759981 05 03/01/03 0 4067996 N 02/01/18 0 8408331 E82/G02 F 43,000.00 ZZ 180 43,000.00 1 6.125 365.77 16 5.875 365.77 FAIRFAX CA 94930 2 01/29/03 00 0400743506 05 04/01/03 0 1772280 O 03/01/18 0 8408341 E82/G02 F 70,400.00 ZZ 180 70,400.00 1 5.875 589.33 68 5.625 589.33 WILLITS CA 95490 2 01/29/03 00 0400759031 05 04/01/03 0 1710214 O 03/01/18 0 1 8408343 E82/G02 F 116,400.00 ZZ 180 116,400.00 1 5.750 966.60 80 5.500 966.60 ANGEL FIRE NM 87710 2 01/31/03 00 0400758595 05 04/01/03 0 7373530 O 03/01/18 0 8408349 E82/G02 F 102,400.00 ZZ 180 102,044.12 2 5.875 857.21 48 5.625 857.21 SOUTH AMBOY NJ 08879 2 01/31/03 00 0400762563 05 03/01/03 0 1608997 O 02/01/18 0 8408359 E82/G02 F 79,300.00 ZZ 180 79,300.00 1 5.625 653.22 57 5.375 653.22 ARVADA CO 80003 2 01/31/03 00 0400764809 05 04/01/03 0 7706317 O 03/01/18 0 8408413 Q31/G02 F 161,200.00 ZZ 180 160,639.77 1 5.875 1,349.44 69 5.625 1,349.44 LAUREL MD 20708 2 01/27/03 00 0435319900 05 03/01/03 0 MD21543 O 02/01/18 0 8408417 N74/G02 F 144,900.00 ZZ 180 144,391.05 1 5.750 1,203.26 90 5.500 1,203.26 RUSTBURG VA 24588 5 01/29/03 01 0435373824 05 03/03/03 25 0031595010 O 02/03/18 0 8408457 967/G02 F 60,000.00 ZZ 180 59,804.45 1 1 6.625 526.80 80 6.375 526.80 KELSO WA 98626 5 01/26/03 00 0435360680 05 03/01/03 0 5627948 N 02/01/18 0 8408491 144/144 F 336,000.00 ZZ 180 334,794.60 1 5.500 2,745.40 80 5.250 2,745.40 CAMPBELL HALL NY 10916 5 01/13/03 00 1 05 03/01/03 0 1 O 02/01/18 0 8408549 E22/G02 F 165,000.00 ZZ 180 164,401.79 1 5.375 1,337.27 38 5.125 1,337.27 FALLBROOK CA 92028 5 01/27/03 00 0415014687 05 03/01/03 0 0415014687 O 02/01/18 0 8408585 E22/G02 F 299,250.00 ZZ 180 298,264.15 3 6.500 2,606.79 70 6.250 2,606.79 COLLEGE POINT NY 11356 1 02/03/03 00 0415599216 05 03/01/03 0 0415599216 N 02/01/18 0 8408591 E22/G02 F 60,000.00 ZZ 180 59,798.05 1 6.250 514.45 66 6.000 514.45 FT WORTH TX 76109 5 01/29/03 00 0415683283 05 03/01/03 0 0415683283 O 02/01/18 0 8408603 E22/G02 F 157,700.00 ZZ 180 157,151.93 1 5.875 1,320.14 95 5.625 1,320.14 MEMPHIS TN 38115 5 01/29/03 10 0415721505 05 03/01/03 25 1 0415721505 O 02/01/18 0 8408605 E22/G02 F 184,500.00 ZZ 180 183,838.10 1 5.500 1,507.52 30 5.250 1,507.52 LAKE BLUFF IL 60044 2 01/28/03 00 0415763523 05 03/01/03 0 0415763523 O 02/01/18 0 8408629 E22/G02 F 146,500.00 ZZ 180 145,996.25 1 6.000 1,236.25 66 5.750 1,236.25 HOUSTON TX 77009 5 01/27/03 00 0415818764 05 03/01/03 0 0415818764 O 02/01/18 0 8408635 E22/G02 F 85,500.00 ZZ 180 85,206.00 1 6.000 721.50 90 5.750 721.50 MADISON AL 35758 1 02/03/03 10 0415833615 05 03/01/03 20 0415833615 N 02/01/18 0 8408655 E22/G02 F 152,000.00 ZZ 180 151,466.11 1 5.750 1,262.22 53 5.500 1,262.22 CARLSBAD CA 92009 2 01/24/03 00 0415866987 01 03/01/03 0 0415866987 O 02/01/18 0 8408693 E22/G02 F 88,000.00 ZZ 180 88,000.00 2 6.500 766.57 80 6.250 766.57 INDEPENDENCE MO 64056 5 02/03/03 00 0415895937 05 04/01/03 0 0415895937 N 03/01/18 0 1 8408695 E22/G02 F 156,000.00 ZZ 180 155,452.06 1 5.750 1,295.44 80 5.500 1,295.44 MAGNOLIA TX 77354 5 01/28/03 00 0415897396 03 03/01/03 0 0415897396 O 02/01/18 0 8408709 E22/G02 F 516,300.00 ZZ 180 514,486.53 1 5.750 4,287.41 75 5.500 4,287.41 UNITVERSITY PAR TX 75225 5 01/29/03 00 0415904291 05 03/01/03 0 0415904291 O 02/01/18 0 8408723 E22/G02 F 145,000.00 ZZ 180 144,479.81 1 5.500 1,184.77 56 5.250 1,184.77 SKOKIE IL 60077 5 01/29/03 00 0415910751 05 03/01/03 0 0415910751 O 02/01/18 0 8408729 E22/G02 F 79,269.00 ZZ 180 78,984.63 1 5.500 647.69 49 5.250 647.69 AUBURN IN 46706 2 01/28/03 00 0415915248 05 03/01/03 0 0415915248 O 02/01/18 0 8408779 E22/G02 F 55,500.00 ZZ 180 55,305.06 1 5.750 460.88 77 5.500 460.88 OWASSO OK 74055 5 01/28/03 00 0416000826 05 03/01/03 0 0416000826 O 02/01/18 0 8409215 E84/G02 F 579,750.00 ZZ 180 567,888.21 1 6.250 4,970.91 75 6.000 4,970.91 1 TOWACO NJ 07028 1 08/26/02 00 0435334032 05 10/01/02 0 10110109 O 09/01/17 0 8409265 967/G02 F 56,800.00 ZZ 180 56,614.88 1 6.625 498.70 80 6.375 498.70 LONGVIEW WA 98632 5 01/26/03 00 0435334230 05 03/01/03 0 5627930 N 02/01/18 0 8409311 L86/G02 F 360,000.00 T 180 358,762.12 1 6.000 3,037.88 75 5.750 3,037.88 APTOS CA 95003 1 01/21/03 00 0435364377 20 03/01/03 0 14500519 O 02/01/18 0 8409609 196/G02 F 616,300.00 ZZ 180 614,112.25 1 5.625 5,076.66 59 5.375 5,076.66 WAYLAND MA 01778 5 01/27/03 00 0435367933 05 03/01/03 0 1599096 O 02/01/18 0 8409611 196/G02 F 649,000.00 ZZ 180 646,720.42 1 5.750 5,389.37 73 5.500 5,389.37 BATON ROUGE LA 70808 5 01/10/03 00 0435348388 05 03/01/03 0 1606566 O 02/01/18 0 8410811 696/G02 F 300,000.00 T 180 298,957.39 1 5.875 2,511.36 79 5.625 2,511.36 OCALA FL 34482 2 01/31/03 00 0435315858 05 03/01/03 0 50103008 O 02/01/18 0 1 8410997 K15/G02 F 82,500.00 ZZ 180 82,213.29 1 5.875 690.62 72 5.625 690.62 GRANT MI 49327 5 01/27/03 00 0435325212 05 03/01/03 0 035905508886 O 02/01/18 0 8411017 K15/G02 F 166,400.00 ZZ 180 165,815.53 1 5.750 1,381.80 80 5.500 1,381.80 EDGEWOOD NM 87015 5 01/27/03 00 0435326061 05 03/01/03 0 033505509180 O 02/01/18 0 8411055 K15/G02 F 57,400.00 ZZ 180 57,216.93 2 6.875 511.92 68 6.625 511.92 RUMFORD ME 04276 5 01/27/03 00 0435322052 05 03/01/03 0 00770005508471 O 02/01/18 0 8411185 K15/G02 F 72,000.00 ZZ 180 71,760.24 1 6.375 622.26 80 6.125 622.26 SPOKANE WA 99212 5 01/23/03 00 0435330469 05 03/01/03 0 206605505521 O 02/01/18 0 8411211 K15/G02 F 134,000.00 ZZ 180 133,524.33 1 5.625 1,103.80 76 5.375 1,103.80 JERICHO VT 05465 5 01/24/03 00 0435329727 05 03/01/03 0 037105505906 O 02/01/18 0 8411399 950/G02 F 112,000.00 ZZ 180 111,602.42 1 1 5.625 922.58 69 5.375 922.58 SUSANVILLE CA 96130 2 01/24/03 00 0435343173 05 03/01/03 0 A7211012 O 02/01/18 0 8411635 K15/G02 F 129,600.00 ZZ 180 129,177.62 1 6.625 1,137.88 95 6.375 1,137.88 STEVENSVILLE MI 49127 5 01/27/03 41 0435376801 05 03/01/03 25 035905509343 O 02/01/18 0 8412335 U05/G02 F 352,000.00 ZZ 180 350,776.67 1 5.875 2,946.66 76 5.625 2,946.66 SACRAMENTO CA 95821 2 01/10/03 00 0435331814 05 03/01/03 0 3293401 O 02/01/18 0 8412451 U05/G02 F 546,000.00 ZZ 180 544,102.45 1 5.875 4,570.67 73 5.625 4,570.67 ARCADIA CA 91007 5 01/15/03 00 0435349477 05 03/01/03 0 3304896 O 02/01/18 0 8413197 E22/G02 F 157,500.00 ZZ 180 156,940.90 1 5.625 1,297.38 74 5.375 1,297.38 MIAMI FL 33175 5 01/30/03 00 0415758671 05 03/01/03 0 0415758671 O 02/01/18 0 8413207 E22/G02 F 193,500.00 ZZ 180 192,805.82 1 5.500 1,581.06 90 5.250 1,581.06 VANCOUVER WA 98664 5 01/17/03 04 0415823178 05 03/01/03 12 1 0415823178 O 02/01/18 0 8413209 E22/G02 F 153,500.00 ZZ 180 152,966.53 1 5.875 1,284.98 67 5.625 1,284.98 DAYTON ME 04005 5 01/30/03 00 0415825579 05 03/01/03 0 0415825579 O 02/01/18 0 8413217 E22/G02 F 92,000.00 ZZ 180 91,655.01 1 5.375 745.63 24 5.125 745.63 ESTES PARK CO 80517 2 01/30/03 00 0415856186 05 03/01/03 0 0415856186 O 02/01/18 0 8413237 E22/G02 F 62,000.00 ZZ 180 61,777.58 1 5.500 506.59 88 5.250 506.59 OKLAHOMA CITY OK 73114 2 01/30/03 01 0415887447 05 03/01/03 25 0415887447 O 02/01/18 0 8413249 E22/G02 F 450,000.00 ZZ 180 448,436.09 1 5.875 3,767.03 75 5.625 3,767.03 COEUR D ALENE ID 83814 5 01/28/03 00 0415902253 05 03/01/03 0 0415902253 O 02/01/18 0 8413251 M18/G02 F 264,000.00 ZZ 180 263,111.40 1 6.250 2,263.60 80 6.000 2,263.60 SANTA ANA CA 92706 5 01/10/03 00 0435352414 05 03/01/03 0 980102254 N 02/01/18 0 1 8413259 E22/G02 F 135,200.00 ZZ 180 134,730.14 1 5.875 1,131.78 80 5.625 1,131.78 DALLAS TX 75236 5 01/28/03 00 0415908557 05 03/01/03 0 0415908557 O 02/01/18 0 8413263 E22/G02 F 43,600.00 ZZ 180 43,600.00 1 6.000 367.92 38 5.750 367.92 GARLAND TX 75043 2 01/30/03 00 0415914829 05 04/01/03 0 0415914829 O 03/01/18 0 8413267 E22/G02 F 155,000.00 ZZ 180 154,467.02 1 6.000 1,307.98 79 5.750 1,307.98 PALMDALE CA 93551 5 01/16/03 00 0415920701 05 03/01/03 0 0415920701 O 02/01/18 0 8413289 E22/G02 F 41,000.00 ZZ 180 40,852.92 1 5.500 335.00 57 5.250 335.00 DEERFIELD BEACH FL 33441 5 01/30/03 00 0415953264 01 03/01/03 0 0415953264 O 02/01/18 0 8413303 E22/G02 F 30,000.00 ZZ 180 30,000.00 1 6.250 257.23 43 6.000 257.23 NORWALK OH 44857 5 02/04/03 00 0415972009 05 04/01/03 0 0415972009 N 03/01/18 0 8413305 E22/G02 F 61,000.00 ZZ 180 61,000.00 1 6.250 523.03 56 6.000 523.03 1 NORWALK OH 44857 5 02/04/03 00 0415972116 05 04/01/03 0 0415972116 N 03/01/18 0 8413323 E22/G02 F 107,200.00 ZZ 180 107,200.00 1 5.750 890.20 80 5.500 890.20 DALLAS TX 75287 5 01/30/03 00 0416012326 05 04/01/03 0 0416012326 O 03/01/18 0 8413329 E22/G02 F 120,000.00 ZZ 180 119,574.02 1 5.625 988.48 77 5.375 988.48 GLENDALE AZ 85310 2 01/27/03 00 0416021640 03 03/01/03 0 0416021640 O 02/01/18 0 8413387 U05/G02 F 60,800.00 TX 180 60,597.54 1 6.375 525.46 80 6.125 525.46 EL PASO TX 79905 2 01/15/03 00 0435338066 05 03/01/03 0 3297046 O 02/01/18 0 8413427 U05/G02 F 112,500.00 ZZ 180 112,113.16 1 6.000 949.34 61 5.750 949.34 MIAMI FL 33126 2 01/23/03 00 0435326855 05 03/01/03 0 3300413 O 02/01/18 0 8413453 N74/G02 F 70,000.00 ZZ 120 69,569.95 1 5.875 772.76 59 5.625 772.76 BULL SHOALS AR 72619 5 01/30/03 00 0435382783 05 03/04/03 0 0031607010 O 02/04/13 0 1 8413571 K15/G02 F 140,500.00 ZZ 180 140,011.71 1 5.875 1,176.15 44 5.625 1,176.15 DENVER CO 80211 5 01/27/03 00 0435321047 05 03/01/03 0 023205506111 O 02/01/18 0 8413823 N74/G02 F 57,500.00 ZZ 120 57,146.75 1 5.875 634.76 42 5.625 634.76 TRINITY NC 27370 5 01/31/03 00 0435382346 05 03/05/03 0 0031650010 O 02/05/13 0 8413939 253/253 F 75,300.00 ZZ 180 75,051.93 1 6.500 655.95 67 6.250 655.95 COLUMBUS OH 43227 5 01/25/03 00 454315 05 03/01/03 0 454315 O 02/01/18 0 8414133 S43/G02 F 58,800.00 ZZ 180 58,602.09 1 6.250 504.16 31 6.000 504.16 QUESTA NM 87556 2 01/28/03 00 0435343629 05 03/01/03 0 022248 O 02/01/18 0 8414185 R84/G02 F 91,000.00 ZZ 180 90,709.76 1 6.875 811.59 74 6.625 811.59 MAYLENE AL 35114 5 01/23/03 00 0435338355 05 03/01/03 0 WA112282 N 02/01/18 0 8414189 K15/G02 F 115,600.00 ZZ 120 114,889.81 1 1 5.875 1,276.15 78 5.625 1,276.15 DELAWARE OH 43015 5 01/27/03 00 0435334982 05 03/01/03 0 027805504942 O 02/01/13 0 8414193 601/G02 F 100,800.00 ZZ 180 100,467.92 1 6.500 878.08 80 6.250 878.08 DALLAS GA 30132 1 01/17/03 00 0435321112 05 03/01/03 0 6232211 N 02/01/18 0 8414269 K15/G02 F 180,000.00 ZZ 180 179,347.41 1 5.375 1,458.84 63 5.125 1,458.84 FARMINGVILLE NY 11738 5 01/27/03 00 0435326848 05 03/01/03 0 020705510019 O 02/01/18 0 8414433 K15/G02 F 192,000.00 ZZ 180 191,360.64 1 6.375 1,659.36 87 6.125 1,659.36 KINGSTON NH 03848 5 01/24/03 41 0435347034 05 03/01/03 12 033605509631 O 02/01/18 0 8414439 U05/G02 F 135,000.00 ZZ 180 134,530.83 1 5.875 1,130.11 60 5.625 1,130.11 LA PUENTE CA 91746 2 01/15/03 00 0435417357 05 03/01/03 0 3302491 O 02/01/18 0 8414741 N74/G02 F 117,000.00 ZZ 180 116,614.55 1 6.500 1,019.20 71 6.250 1,019.20 DUNDALK MD 21222 2 01/31/03 00 0435382262 05 03/05/03 0 1 0031639010 O 02/05/18 0 8414771 N74/G02 F 65,450.00 ZZ 180 65,234.38 1 6.500 570.14 84 6.250 570.14 BEEBE AR 72012 5 01/31/03 01 0435382510 05 03/05/03 12 0031625010 O 02/05/18 0 8415175 W51/G02 F 120,000.00 ZZ 180 119,224.04 1 6.750 1,061.89 49 6.500 1,061.89 KEARNEY MO 64060 1 12/19/02 00 0435344536 05 02/01/03 0 6822 O 01/01/18 0 8415321 E22/G02 F 180,000.00 ZZ 180 179,374.44 1 5.875 1,506.81 75 5.625 1,506.81 LEAGUE CITY TX 77573 5 01/31/03 00 0415468891 05 03/01/03 0 0415468891 O 02/01/18 0 8415331 E22/G02 F 190,000.00 ZZ 180 190,000.00 1 5.750 1,577.78 74 5.500 1,577.78 LAKE KIOWA TX 76240 5 01/30/03 00 0415910963 03 04/01/03 0 0415610963 O 03/01/18 0 8415337 E22/G02 F 500,000.00 ZZ 180 498,298.96 1 6.125 4,253.12 53 5.875 4,253.12 NOVATO CA 94947 5 01/21/03 00 0415644202 03 03/01/03 0 0415644202 O 02/01/18 0 1 8415357 E22/G02 F 563,000.00 ZZ 180 560,980.24 1 5.500 4,600.18 57 5.250 4,600.18 ENCINITAS CA 92007 5 01/23/03 00 0415731769 05 03/01/03 0 0415731769 O 02/01/18 0 8415501 E22/G02 F 92,000.00 ZZ 180 91,666.45 1 5.375 745.63 80 5.125 745.63 KIMBALL MN 55353 2 01/30/03 00 0415914563 05 03/01/03 0 0415914563 O 02/01/18 0 8415515 E22/G02 F 80,000.00 ZZ 180 79,618.80 1 5.625 658.99 79 5.375 658.99 COPEMISH MI 49625 2 01/31/03 00 0415926344 05 03/01/03 0 0415926344 O 02/01/18 0 8415527 E22/G02 F 158,000.00 ZZ 120 158,000.00 3 6.375 1,784.03 49 6.125 1,784.03 CHICAGO IL 60632 2 02/05/03 00 0415936913 05 04/01/03 0 0415936913 N 03/01/13 0 8415531 E22/G02 F 104,250.00 ZZ 180 103,895.33 1 6.125 886.78 75 5.875 886.78 SALT LAKE CITY UT 84118 2 01/30/03 00 0415939412 05 03/01/03 0 0415939412 N 02/01/18 0 8415553 E22/G02 F 222,400.00 ZZ 180 222,400.00 1 6.000 1,876.74 80 5.750 1,876.74 1 HACKETTSTOWN NJ 07840 5 01/31/03 00 0415956705 05 04/01/03 0 0415956705 O 03/01/18 0 8415557 E22/G02 F 51,500.00 ZZ 180 51,330.34 1 6.500 448.62 80 6.250 448.62 OCEAN SPRINGS MS 39564 5 01/31/03 00 0415961820 05 03/01/03 0 0415961820 O 02/01/18 0 8415569 E22/G02 F 210,000.00 ZZ 180 209,246.62 1 5.500 1,715.88 70 5.250 1,715.88 MIDDLETOWN MD 21769 5 01/31/03 00 0415968882 05 03/01/03 0 0415968882 O 02/01/18 0 8415571 E22/G02 F 132,000.00 ZZ 180 131,543.51 1 6.125 1,122.82 95 5.875 1,122.82 HILLIARD OH 43026 5 01/31/03 04 0415970995 05 03/01/03 25 0415970995 O 02/01/18 0 8415577 E22/G02 F 44,500.00 ZZ 180 44,342.03 1 5.625 366.56 30 5.375 366.56 OCALA FL 34471 5 01/31/03 00 0415981117 09 03/01/03 0 0415981117 O 02/01/18 0 8415599 E22/G02 F 77,100.00 ZZ 180 76,823.40 1 5.500 629.97 68 5.250 629.97 STAFFORD TX 77477 2 01/31/03 00 0416021426 03 03/01/03 0 0416021426 O 02/01/18 0 1 8415615 E22/G02 F 121,350.00 ZZ 180 120,919.23 1 5.625 999.60 37 5.375 999.60 DEERFIELD IL 60015 2 01/31/03 00 0416060143 05 03/01/03 0 0416060143 O 02/01/18 0 8415629 N74/G02 F 207,000.00 ZZ 120 207,000.00 1 5.750 2,272.22 89 5.500 2,272.22 CHARLOTTESVILLE VA 22911 2 01/30/03 01 0435463518 05 04/01/03 25 0031600010 O 03/01/13 0 8415861 E82/G02 F 167,250.00 ZZ 180 167,250.00 2 6.375 1,445.46 69 6.125 1,445.46 BROOKLYN NY 11208 2 02/06/03 00 0400756847 05 04/01/03 0 4487229 N 03/01/18 0 8415869 E82/G02 F 27,500.00 ZZ 180 27,500.00 1 6.250 235.79 37 6.000 235.79 RAYTOWN MO 64133 2 02/05/03 00 0400782215 05 04/01/03 0 1624521 N 03/01/18 0 8415883 E82/G02 F 118,800.00 ZZ 180 118,800.00 2 5.625 978.59 29 5.375 978.59 RYE NY 10580 2 02/03/03 00 0400761383 05 04/01/03 0 0400761383 O 03/01/18 0 8415921 E82/G02 F 179,800.00 ZZ 180 179,188.31 3 1 6.125 1,529.42 38 5.875 1,529.42 LOS ANGELES CA 90025 2 01/31/03 00 0400761151 05 03/01/03 0 0400761151 O 02/01/18 0 8415941 E82/G02 F 119,500.00 ZZ 180 119,089.09 4 6.000 1,008.41 63 5.750 1,008.41 LOS ANGELES CA 90026 2 01/30/03 00 0400778387 05 03/01/03 0 1523869 O 02/01/18 0 8416875 X10/G02 F 100,800.00 ZZ 180 100,464.34 1 6.375 871.16 80 6.125 871.16 HOUSTON TX 77065 5 01/30/03 00 0435371968 03 03/01/03 0 60000629 O 02/01/18 0 8417975 M27/G02 F 215,000.00 ZZ 180 214,228.69 1 5.500 1,756.73 60 5.250 1,756.73 RALEIGH NC 27614 2 01/31/03 00 0435367867 03 03/01/03 0 0100019278 O 02/01/18 0 8418071 Q14/G02 F 517,000.00 ZZ 180 515,203.25 1 5.875 4,327.90 44 5.625 4,327.90 MESA AZ 85205 2 01/24/03 00 0435351267 05 03/01/03 0 00000311125 O 02/01/18 0 8418171 M27/G02 F 226,450.00 ZZ 180 225,646.14 1 5.625 1,865.34 72 5.375 1,865.34 BRENTWOOD TN 37027 2 01/30/03 00 0435344395 05 03/01/03 0 1 5000118069 O 02/01/18 0 8418181 R84/G02 F 495,000.00 ZZ 180 493,242.84 1 5.625 4,077.47 80 5.375 4,077.47 SHELTON WA 98584 5 01/28/03 00 0435376108 05 03/01/03 0 WA301106 O 02/01/18 0 8418197 U19/G02 F 250,000.00 ZZ 180 249,103.12 1 5.500 2,042.71 52 5.250 2,042.71 BOULDER CO 80301 5 02/04/03 00 0435368147 03 03/01/03 0 0301290009 N 02/01/18 0 8419143 K15/G02 F 116,000.00 ZZ 180 115,613.72 1 6.375 1,002.53 80 6.125 1,002.53 ANSONIA CT 06401 5 01/27/03 00 0435339775 05 03/01/03 0 013805509887 O 02/01/18 0 8421137 E82/G02 F 131,800.00 ZZ 180 131,800.00 3 6.000 1,112.20 55 5.750 1,112.20 DALLAS TX 75206 2 02/05/03 00 0400745758 05 04/01/03 0 2751955 O 03/01/18 0 8421141 E82/G02 F 124,000.00 T 180 124,000.00 1 5.625 1,021.43 80 5.375 1,021.43 SCOTTSDALE AZ 85257 2 02/06/03 00 0400782363 05 04/01/03 0 7636221 O 03/01/18 0 1 8421145 E82/G02 F 91,200.00 ZZ 180 91,200.00 1 6.625 800.73 68 6.375 800.73 MIAMI FL 33196 2 02/06/03 00 0400723250 05 04/01/03 0 0400723250 N 03/01/18 0 8421171 E82/G02 F 50,100.00 ZZ 180 50,100.00 1 6.000 422.77 51 5.750 422.77 MISSOURI CITY TX 77489 2 02/05/03 00 0400772638 03 04/01/03 0 1534730 N 03/01/18 0 8421531 E22/G02 F 216,500.00 ZZ 180 216,500.00 1 6.000 1,826.95 65 5.750 1,826.95 FANWOOD NJ 07023 5 01/31/03 00 0415835255 05 04/01/03 0 0415835255 O 03/01/18 0 8421565 E22/G02 F 82,000.00 ZZ 180 82,000.00 1 6.500 714.31 62 6.250 714.31 CHICAGO IL 60657 2 02/06/03 00 0415978311 06 04/01/03 0 0415978311 N 03/01/18 0 8421567 E22/G02 F 49,000.00 ZZ 180 49,000.00 1 5.875 410.19 74 5.625 410.19 MASARYKTOWN FL 34604 1 02/06/03 00 0415966464 05 04/01/03 0 0415966464 O 03/01/18 0 8421583 E22/G02 F 161,400.00 ZZ 180 161,400.00 4 5.750 1,340.28 42 5.500 1,340.28 1 HOUSTON TX 77027 2 02/06/03 00 0416050516 05 04/01/03 0 0416050516 N 03/01/18 0 8422811 P09/G02 F 137,000.00 ZZ 180 136,503.31 1 5.375 1,110.34 62 5.125 1,110.34 SILVER SPRING MD 20904 2 01/31/03 00 0435359138 09 03/01/03 0 R0212412 O 02/01/18 0 8422815 K15/G02 F 78,000.00 ZZ 180 78,000.00 1 6.125 663.49 47 5.875 663.49 CLINTON TOWNSHI MI 48038 5 01/28/03 00 0435350384 05 04/01/03 0 035605508067 O 03/01/18 0 8423175 S27/G02 F 103,000.00 ZZ 180 103,000.00 1 5.625 848.45 52 5.375 848.45 MIAMI FL 33126 5 01/31/03 00 0435365085 05 04/01/03 0 1010026650 O 03/01/18 0 8423199 U05/G02 F 133,500.00 TX 180 133,040.95 1 6.000 1,126.55 73 5.750 1,126.55 STAR HARBOR TX 75148 5 01/16/03 00 0435342902 05 03/01/03 0 3301191 O 02/01/18 0 8423281 S27/G02 F 288,000.00 ZZ 180 288,000.00 1 5.500 2,353.21 80 5.250 2,353.21 SEVIERVILLE TN 37862 5 01/28/03 00 0435462320 05 04/01/03 0 1900001028 O 03/01/18 0 1 8423301 N47/G02 F 177,000.00 ZZ 180 176,378.30 3 5.750 1,469.83 46 5.500 1,469.83 OAKLAND CA 94606 2 01/28/03 00 0435360961 05 03/01/03 0 20500620 N 02/01/18 0 8423383 944/G02 F 110,000.00 ZZ 180 109,605.37 1 5.500 898.80 80 5.250 898.80 ST PETERSBURG FL 33701 1 01/31/03 00 0435344320 05 03/01/03 0 W02035636 N 02/01/18 0 8423451 952/G02 F 491,000.00 ZZ 180 489,257.04 1 5.625 4,044.52 73 5.375 4,044.52 WOODBURY CT 06798 2 01/31/03 00 0435410766 05 03/01/03 0 03001277 O 02/01/18 0 8423501 L20/G02 F 112,000.00 ZZ 180 111,602.42 1 5.625 922.58 75 5.375 922.58 BOISE ID 83704 5 01/31/03 00 0435364658 05 03/01/03 0 1151120584 O 02/01/18 0 8423597 L76/G02 F 97,500.00 ZZ 180 97,500.00 1 5.250 783.78 46 5.000 783.78 BURNSVILLE MN 55306 5 02/03/03 00 0435343389 05 04/01/03 0 9507437 O 03/01/18 0 8423709 Q87/G02 F 142,200.00 ZZ 180 141,726.48 1 1 6.375 1,228.96 89 6.125 1,228.96 WETUMPKA AL 36093 5 01/23/03 04 0435349428 05 03/01/03 12 BADA01 O 02/01/18 0 8424023 E82/G02 F 134,000.00 ZZ 180 134,000.00 1 5.875 1,121.74 63 5.625 1,121.74 FROSTPROOF FL 33843 2 02/04/03 00 0400763975 03 04/01/03 0 0400763975 O 03/01/18 0 8424065 E82/G02 F 87,800.00 ZZ 180 87,800.00 1 6.250 752.82 32 6.000 752.82 SAN CLEMENTE CA 92672 5 02/06/03 00 0400761466 09 04/01/03 0 0400761466 N 03/01/18 0 8424071 E82/G02 F 86,600.00 ZZ 180 86,600.00 1 6.250 742.53 38 6.000 742.53 FORT COLLINS CO 80524 2 02/07/03 00 0400765194 05 04/01/03 0 1729573 N 03/01/18 0 8424087 E82/G02 F 148,900.00 ZZ 180 148,900.00 1 5.875 1,246.47 54 5.625 1,246.47 PLANTATION FL 33324 2 02/06/03 00 0400761094 03 04/01/03 0 4516304 O 03/01/18 0 8424095 E82/G02 F 81,000.00 ZZ 180 81,000.00 1 5.625 667.22 68 5.375 667.22 RICHARDSON TX 75083 2 02/06/03 00 0400759387 05 04/01/03 0 1 1783641 O 03/01/18 0 8424105 E82/G02 F 82,500.00 ZZ 180 82,500.00 4 6.375 713.01 79 6.125 713.01 WALKER LA 70785 2 02/07/03 00 0400763819 05 04/01/03 0 1667421 N 03/01/18 0 8424107 E82/G02 F 80,400.00 ZZ 180 80,400.00 4 6.375 694.86 77 6.125 694.86 WALKER LA 70785 2 02/07/03 00 0400763843 05 04/01/03 0 1654808 N 03/01/18 0 8424109 E82/G02 F 59,900.00 ZZ 180 59,900.00 1 6.250 513.60 55 6.000 513.60 BATON ROUGE LA 70808 2 02/07/03 00 0400763900 05 04/01/03 0 1446149 N 03/01/18 0 8424113 E82/G02 F 60,600.00 ZZ 180 60,600.00 1 5.875 507.29 63 5.625 507.29 DETROIT LAKES MN 56501 2 02/06/03 00 0400757647 05 04/01/03 0 1859425 O 03/01/18 0 8424115 E82/G02 F 63,300.00 ZZ 180 63,300.00 1 5.750 525.65 50 5.500 525.65 TAMPA FL 33629 2 02/06/03 00 0400782348 05 04/01/03 0 1784321 O 03/01/18 0 1 8425263 144/144 F 250,000.00 ZZ 180 249,103.12 1 5.500 2,042.71 72 5.250 2,042.71 DEER PARK NY 11729 5 01/07/03 00 1 05 03/01/03 0 1 O 02/01/18 0 8425381 M37/G02 F 117,600.00 ZZ 180 117,178.11 1 5.500 960.89 80 5.250 960.89 GLENDALE AZ 85308 1 01/29/03 00 0435350616 03 03/01/03 0 611420 N 02/01/18 0 8425787 K15/G02 F 99,000.00 ZZ 180 99,000.00 1 6.625 869.21 86 6.375 869.21 SOUTH BURLINGTO VT 05403 5 02/03/03 41 0435348545 01 04/01/03 12 037105506005 O 03/01/18 0 8425855 K15/G02 F 78,700.00 ZZ 180 78,700.00 1 5.875 658.81 56 5.625 658.81 EXETER RI 02822 5 01/31/03 00 0435346416 05 04/01/03 0 029705506041 O 03/01/18 0 8425891 K15/G02 F 80,100.00 ZZ 180 80,100.00 1 5.625 659.81 77 5.375 659.81 COLUMBUS OH 43203 5 01/31/03 00 0435345210 05 04/01/03 0 028205505841 O 03/01/18 0 8425893 K15/G02 F 67,500.00 ZZ 180 67,262.91 1 5.750 560.53 73 5.500 560.53 1 PUEBLO CO 81001 5 01/27/03 00 0435348016 05 03/01/03 0 021805506392 N 02/01/18 0 8426051 420/G02 F 241,000.00 ZZ 180 241,000.00 1 5.750 2,001.29 71 5.500 2,001.29 ANTIOCH CA 94531 5 01/29/03 00 0435348081 05 04/01/03 0 73000221 O 03/01/18 0 8426093 S25/G02 F 355,000.00 ZZ 180 353,726.43 1 5.500 2,900.65 79 5.250 2,900.65 CHAPEL HILL NC 27516 2 02/03/03 00 0435381157 05 03/07/03 0 245254037 O 02/07/18 0 8426537 E82/G02 F 150,500.00 ZZ 180 150,500.00 1 5.625 1,239.72 74 5.375 1,239.72 SHAWNEE OK 74801 2 02/07/03 00 0400776381 05 04/01/03 0 0400776381 O 03/01/18 0 8426583 E82/G02 F 79,000.00 ZZ 180 79,000.00 1 5.625 650.75 61 5.375 650.75 FERNDALE MI 48220 2 02/10/03 00 0400784013 05 04/01/03 0 5024045 N 03/01/18 0 8426739 M37/G02 F 100,000.00 ZZ 180 99,648.76 1 5.750 830.41 51 5.500 830.41 PRESCOTT VALLEY AZ 86314 2 01/24/03 00 0435360615 05 03/01/03 0 610593 O 02/01/18 0 1 8426819 N74/G02 F 104,600.00 ZZ 180 104,232.60 1 5.750 868.61 61 5.500 868.61 STAFFORD VA 22554 5 01/31/03 00 0435410949 05 03/05/03 0 0031622010 O 02/05/18 0 8426853 U05/G02 F 75,500.00 ZZ 180 75,237.62 1 5.875 632.02 31 5.625 632.02 SAN DIEGO CA 92114 5 01/24/03 00 0435351861 05 03/01/03 0 3304785 O 02/01/18 0 8426905 U05/G02 F 242,000.00 ZZ 180 241,176.70 1 6.125 2,058.51 75 5.875 2,058.51 FULLERTON CA 92831 5 01/15/03 00 0435358882 05 03/01/03 0 3279984 O 02/01/18 0 8426973 L96/G02 F 172,000.00 T 180 171,389.43 1 5.625 1,416.82 80 5.375 1,416.82 LAKE ARROWHEAD CA 92352 1 01/23/03 00 0435358635 05 03/01/03 0 4030730000 O 02/01/18 0 8426977 E22/G02 F 213,000.00 ZZ 180 213,000.00 1 5.625 1,754.55 57 5.375 1,754.55 BAY POINT CA 94565 2 02/04/03 00 0415614197 05 04/01/03 0 0415614197 O 03/01/18 0 8426987 E22/G02 F 79,520.00 ZZ 120 79,520.00 1 1 6.250 892.85 83 6.000 892.85 SELMA AL 36701 5 02/05/03 04 0415666643 05 04/01/03 6 0415666643 O 03/01/13 0 8427005 E22/G02 F 86,000.00 ZZ 180 86,000.00 1 5.375 697.00 55 5.125 697.00 PECOS NM 87552 5 02/04/03 00 0415738012 05 04/01/03 0 0415738012 O 03/01/18 0 8427045 E22/G02 F 90,000.00 ZZ 180 90,000.00 1 6.500 784.00 65 6.250 784.00 PUEBLO CO 81006 5 02/10/03 00 0415876002 05 04/01/03 0 0415876002 N 03/01/18 0 8427069 U05/G02 F 157,000.00 ZZ 180 156,454.37 1 5.875 1,314.28 61 5.625 1,314.28 HACIENDA HEIGHT CA 91745 2 01/22/03 00 0435391511 05 03/01/03 0 3305640 O 02/01/18 0 8427075 E22/G02 F 83,500.00 ZZ 180 83,500.00 1 5.750 693.39 75 5.500 693.39 SPOKANE WA 99202 2 01/30/03 00 0415921683 05 04/01/03 0 0415921683 O 03/01/18 0 8427125 E22/G02 F 97,000.00 ZZ 120 97,000.00 1 5.375 1,046.71 49 5.125 1,046.71 MIAMI FL 33178 2 02/10/03 00 0415949338 09 04/01/03 0 1 0415949338 N 03/01/13 0 8427133 E22/G02 F 236,000.00 ZZ 180 235,162.24 1 5.625 1,944.01 80 5.375 1,944.01 HUNTINGTON NY 11743 5 02/04/03 00 0415960160 05 03/01/03 0 0415960160 O 02/01/18 0 8427171 E22/G02 F 140,000.00 ZZ 180 140,000.00 1 6.375 1,209.95 70 6.125 1,209.95 DEADWOOD OR 97430 2 02/03/03 00 0415987460 05 04/01/03 0 0415987460 N 03/01/18 0 8427183 E22/G02 F 96,300.00 ZZ 180 96,300.00 2 6.500 838.88 90 6.250 838.88 HAMTRAMCK MI 48212 5 02/04/03 04 0415999556 05 04/01/03 25 0415999556 O 03/01/18 0 8427205 E22/G02 F 199,500.00 ZZ 120 199,500.00 1 5.625 2,177.48 50 5.375 2,177.48 ADDISON IL 60101 2 02/05/03 00 0416009066 05 04/01/03 0 0416009066 O 03/01/13 0 8427231 E22/G02 F 120,000.00 ZZ 180 120,000.00 1 5.625 988.48 70 5.375 988.48 DALLAS TX 75252 5 02/04/03 00 0415779859 03 04/01/03 0 0415779859 O 03/01/18 0 1 8427241 E22/G02 F 55,000.00 ZZ 180 55,000.00 1 6.000 464.12 53 5.750 464.12 WILLERNIE MN 55090 5 02/04/03 00 0415803188 05 04/01/03 0 0415803188 O 03/01/18 0 8427259 E22/G02 F 336,400.00 ZZ 180 336,400.00 1 5.750 2,793.50 74 5.500 2,793.50 SPRING TX 77379 5 02/05/03 00 0415825637 03 04/01/03 0 0415825637 O 03/01/18 0 8427269 E22/G02 F 69,000.00 ZZ 180 69,000.00 1 5.625 568.37 77 5.375 568.37 PASADENA TX 77504 2 02/03/03 00 0415842954 05 04/01/03 0 0415842954 O 03/01/18 0 8427317 E22/G02 F 81,000.00 ZZ 180 81,000.00 1 6.125 689.01 90 5.875 689.01 HARTSELLE AL 35640 2 02/04/03 11 0416053171 05 04/01/03 25 0416053171 O 03/01/18 0 8427345 E22/G02 F 180,000.00 ZZ 180 180,000.00 1 5.500 1,470.75 55 5.250 1,470.75 IRVINE CA 92604 2 01/31/03 00 0416095354 01 04/01/03 0 0416095354 O 03/01/18 0 8427413 U05/G02 F 159,200.00 ZZ 180 158,652.58 1 6.000 1,343.42 80 5.750 1,343.42 1 MYRTLE BEACH SC 29588 2 01/27/03 00 0435336854 03 03/01/03 0 3304861 O 02/01/18 0 8427629 Q87/G02 F 42,000.00 ZZ 180 41,855.58 1 6.000 354.42 42 5.750 354.42 BAY MINETTE AL 36507 5 01/28/03 00 0435365580 05 03/03/03 0 DROP01 O 02/03/18 0 8428269 R84/G02 F 89,000.00 ZZ 180 88,703.63 1 6.375 769.18 87 6.125 769.18 BATON ROUGE LA 70815 2 01/31/03 11 0435414768 05 03/01/03 12 TO2B0408 O 02/01/18 0 8429241 N74/G02 F 104,740.00 ZZ 180 104,740.00 1 6.250 898.06 95 6.000 898.06 IRMO SC 29063 2 02/03/03 10 0435410816 05 04/01/03 30 0031645010 O 03/01/18 0 8430333 U80/U80 F 59,200.00 ZZ 180 59,200.00 1 5.625 487.65 80 5.375 487.65 CLEMSON SC 29631 1 02/07/03 00 30010083 01 04/01/03 0 30010083 N 03/01/18 0 8430355 N74/G02 F 59,000.00 ZZ 180 58,803.53 1 6.375 509.91 72 6.125 509.91 LYNCHBURG VA 24501 5 02/06/03 00 0435427687 05 03/11/03 0 0031674010 O 02/11/18 0 1 8430547 K15/G02 F 114,900.00 ZZ 180 114,521.48 1 6.500 1,000.90 95 6.250 1,000.90 PLAQUEMINE LA 70764 5 01/27/03 41 0435353073 05 03/01/03 25 206605506767 O 02/01/18 0 8431275 P09/G02 F 258,000.00 ZZ 180 258,000.00 1 5.500 2,108.08 81 5.250 2,108.08 LAUREL MD 20708 5 02/06/03 10 0435378153 05 04/01/03 17 R0212136 O 03/01/18 0 8431295 X89/G02 F 147,200.00 ZZ 180 146,688.43 1 5.875 1,232.24 80 5.625 1,232.24 LONG BEACH CA 90802 5 01/08/03 00 0435344411 01 03/01/03 0 1010240201 O 02/01/18 0 8431419 P09/G02 F 128,000.00 ZZ 180 128,000.00 1 5.500 1,045.87 49 5.250 1,045.87 GERMANTOWN MD 20876 2 02/04/03 00 0435377825 01 04/01/03 0 0301156 O 03/01/18 0 8431587 X67/G02 F 132,950.00 ZZ 180 132,473.04 1 5.500 1,086.31 54 5.250 1,086.31 SUGARLAN TX 77478 2 01/24/03 00 0435428883 03 03/01/03 0 00282645 O 02/01/18 0 8431697 G51/G02 F 94,400.00 ZZ 180 94,400.00 1 1 5.750 783.91 73 5.500 783.91 SEMINOLE FL 33772 2 02/07/03 00 0435357736 05 04/01/03 0 20003745 O 03/01/18 0 8431935 G34/G02 F 299,200.00 ZZ 180 298,192.92 1 6.250 2,565.41 59 6.000 2,565.41 ARLINGTON TX 76012 5 01/29/03 00 0435429741 03 03/01/03 0 85211922 O 02/01/18 0 8431971 W34/G02 F 168,000.00 ZZ 180 168,000.00 1 5.500 1,372.70 80 5.250 1,372.70 NORTHGLENN CO 80233 2 02/05/03 00 0435360706 05 04/01/03 0 99886901 O 03/01/18 0 8432155 E82/G02 F 181,000.00 ZZ 180 181,000.00 1 5.875 1,515.18 40 5.625 1,515.18 DANA POINT CA 92629 2 02/05/03 00 0400755989 05 04/01/03 0 1616584 N 03/01/18 0 8432157 E82/G02 F 198,500.00 ZZ 180 198,500.00 1 5.500 1,621.91 74 5.250 1,621.91 SHELTON CT 06484 2 02/07/03 00 0400780409 05 04/01/03 0 6336060 O 03/01/18 0 8432159 E82/G02 F 89,300.00 ZZ 180 89,300.00 1 5.500 729.66 33 5.250 729.66 SCOTTSDALE AZ 85255 2 02/07/03 00 0400770400 03 04/01/03 0 1 1495170 O 03/01/18 0 8432163 E82/G02 F 80,100.00 ZZ 180 80,100.00 1 6.250 686.80 42 6.000 686.80 LOS ANGELES CA 90008 2 02/06/03 00 0400746111 01 04/01/03 0 1776423 N 03/01/18 0 8432165 E82/G02 F 133,750.00 ZZ 180 133,750.00 1 5.875 1,119.65 57 5.625 1,119.65 STATEN ISLAND NY 10306 2 02/07/03 00 0400743498 05 04/01/03 0 5319361 O 03/01/18 0 8432169 E82/G02 F 194,000.00 ZZ 180 194,000.00 1 5.875 1,624.01 55 5.625 1,624.01 KATONAH NY 10536 2 02/07/03 00 0400748513 05 04/01/03 0 1688609 O 03/01/18 0 8432173 E82/G02 F 126,000.00 ZZ 180 126,000.00 1 5.875 1,054.77 50 5.625 1,054.77 RIO RICO AZ 85648 2 02/07/03 00 0400753323 05 04/01/03 0 1667095 O 03/01/18 0 8432465 168/168 F 28,000.00 T 180 27,624.06 1 6.375 241.99 80 6.125 241.99 NIAGARA FALLS NY 14301 1 10/11/02 00 0089682815 05 12/01/02 0 0089682815 O 11/01/17 0 1 8432475 E22/G02 F 140,000.00 ZZ 180 140,000.00 1 5.500 1,143.92 80 5.250 1,143.92 MIAMI FL 33196 5 02/06/03 00 0415678499 05 04/01/03 0 0415678499 O 03/01/18 0 8432509 E22/G02 F 80,000.00 ZZ 180 80,000.00 1 6.000 675.09 80 5.750 675.09 HOUSTON TX 77088 5 02/06/03 00 0415819325 05 04/01/03 0 0415819325 O 03/01/18 0 8432535 E22/G02 F 111,300.00 ZZ 180 111,300.00 2 5.625 916.81 70 5.375 916.81 DESOTO TX 75115 2 01/31/03 00 0415198746 05 04/01/03 0 0415198746 O 03/01/18 0 8432553 E22/G02 F 302,200.00 ZZ 180 302,200.00 1 5.375 2,449.23 79 5.125 2,449.23 HUMBLE TX 77345 5 02/06/03 00 0415880871 03 04/01/03 0 0415880871 O 03/01/18 0 8432565 E22/G02 F 120,000.00 ZZ 180 120,000.00 1 6.250 1,028.91 80 6.000 1,028.91 COLLINSVILLE TX 76233 5 02/03/03 00 0415584325 05 04/01/03 0 0415584325 O 03/01/18 0 8432587 E22/G02 F 70,000.00 ZZ 180 70,000.00 1 5.625 576.61 79 5.375 576.61 1 LARAMIE WY 82072 5 02/06/03 00 0415906056 05 04/01/03 0 0415906056 O 03/01/18 0 8432595 E22/G02 F 100,000.00 ZZ 180 100,000.00 1 5.875 837.12 33 5.625 837.12 BROOMFIELD CO 80020 5 02/06/03 00 0415910165 05 04/01/03 0 0415910165 O 03/01/18 0 8432617 E22/G02 F 158,000.00 ZZ 120 157,022.73 1 5.750 1,734.35 66 5.500 1,734.35 RIVERSIDE CA 92509 5 01/30/03 00 0415923309 05 03/01/03 0 0415923309 O 02/01/13 0 8432713 E22/G02 F 224,000.00 ZZ 180 224,000.00 1 5.500 1,830.27 74 5.250 1,830.27 HARLINGEN TX 78550 5 02/05/03 00 0415973098 05 04/01/03 0 0415973098 O 03/01/18 0 8432735 E22/G02 F 200,000.00 ZZ 180 200,000.00 1 5.625 1,647.46 79 5.375 1,647.46 HOUSTON TX 77027 5 02/06/03 00 0418432735 03 04/01/03 0 0415993450 O 03/01/18 0 8432741 E22/G02 F 147,000.00 ZZ 180 147,000.00 1 5.750 1,220.70 89 5.500 1,220.70 CHANDLER TX 75758 1 02/07/03 01 0415821107 05 04/01/03 25 0415821107 O 03/01/18 0 1 8432761 E22/G02 F 204,000.00 ZZ 180 204,000.00 1 5.500 1,666.85 79 5.250 1,666.85 THE WOODLANDS TX 77384 1 02/11/03 00 0416010031 03 04/01/03 0 0416010031 O 03/01/18 0 8432779 E22/G02 F 154,000.00 ZZ 180 154,000.00 1 5.625 1,268.55 70 5.375 1,268.55 HOUSTON TX 77095 5 02/05/03 00 0416017846 03 04/01/03 0 0416017846 O 03/01/18 0 8432785 E22/G02 F 95,500.00 ZZ 180 95,500.00 1 5.750 793.04 68 5.500 793.04 LEXINGTON SC 29072 2 02/06/03 00 0416018521 03 04/01/03 0 0416018521 O 03/01/18 0 8432789 E22/G02 F 132,000.00 ZZ 180 131,526.45 1 5.500 1,078.55 54 5.250 1,078.55 ORANGE CA 92867 2 01/24/03 00 0415877059 09 03/01/03 0 0415877059 O 02/01/18 0 8432821 E22/G02 F 360,000.00 ZZ 180 360,000.00 1 5.375 2,917.68 20 5.125 2,917.68 ANAHEIM CA 92807 2 01/27/03 00 0415904754 05 04/01/03 0 0415904754 O 03/01/18 0 8432825 E22/G02 F 76,000.00 ZZ 180 75,746.92 1 1 6.375 656.83 80 6.125 656.83 HOUSTON TX 77013 5 01/29/03 00 0415908334 03 03/01/03 0 0415908334 O 02/01/18 0 8432829 E22/G02 F 196,000.00 ZZ 180 196,000.00 1 5.875 1,640.75 68 5.625 1,640.75 SAMMAMISH WA 98075 5 01/30/03 00 0415914498 05 04/01/03 0 0415914498 O 03/01/18 0 8432831 E22/G02 F 93,500.00 ZZ 180 93,500.00 1 5.500 763.97 69 5.250 763.97 BOISE ID 83706 5 02/04/03 00 0416059186 05 04/01/03 0 0416059186 O 03/01/18 0 8432833 E22/G02 F 250,000.00 ZZ 180 249,158.52 4 6.250 2,143.56 80 6.000 2,143.56 CICERO IL 60804 2 02/03/03 00 0415915180 05 03/01/03 0 0415915180 O 02/01/18 0 8432841 E22/G02 F 61,500.00 ZZ 180 61,500.00 1 6.125 523.13 75 5.875 523.13 TOLEDO OH 43612 5 02/07/03 00 0415918309 05 04/01/03 0 0415918309 N 03/01/18 0 8432845 E22/G02 F 300,000.00 ZZ 180 300,000.00 1 5.625 2,471.20 56 5.375 2,471.20 ANNANDALE NJ 08801 5 02/03/03 00 0415919158 05 04/01/03 0 1 0415919158 O 03/01/18 0 8432849 E22/G02 F 300,000.00 ZZ 180 298,990.23 1 6.250 2,572.27 80 6.000 2,572.27 WEST BLOOMFIELD MI 48322 5 02/03/03 00 0415919737 05 03/01/03 0 0415919737 O 02/01/18 0 8432851 E22/G02 F 84,000.00 ZZ 180 84,000.00 1 5.750 697.54 68 5.500 697.54 DECATUR AL 35603 2 02/06/03 00 0416100956 05 04/01/03 0 0416100956 O 03/01/18 0 8432859 E22/G02 F 51,600.00 ZZ 180 51,600.00 1 6.250 442.43 80 6.000 442.43 PONTIAC MI 48341 1 02/07/03 00 0415923259 05 04/01/03 0 0415923259 N 03/01/18 0 8432879 E22/G02 F 81,000.00 ZZ 180 81,000.00 1 5.500 661.84 75 5.250 661.84 MIAMI FL 33173 5 02/03/03 00 0415926716 01 04/01/03 0 0415926716 O 03/01/18 0 8432951 E22/G02 F 240,000.00 ZZ 180 240,000.00 1 5.750 1,992.98 80 5.500 1,992.98 RICHARDSON TX 75082 5 02/03/03 00 0416001915 03 04/01/03 0 0416001915 O 03/01/18 0 1 8433001 E22/G02 F 102,000.00 ZZ 180 102,000.00 2 6.500 888.53 87 6.250 888.53 NEW ORLEANS LA 70119 2 02/07/03 01 0416044071 05 04/01/03 25 0416044071 N 03/01/18 0 8433053 R84/G02 F 850,000.00 ZZ 180 840,809.88 1 5.500 6,945.21 54 5.250 6,945.21 BATON ROUGE LA 70810 5 01/22/02 00 0435428560 05 01/01/03 0 R2100054 O 12/01/17 0 8433391 E82/G02 F 95,000.00 ZZ 180 95,000.00 1 5.750 788.89 21 5.500 788.89 OJAI CA 93023 2 02/04/03 00 0400771200 05 04/01/03 0 5743440 O 03/01/18 0 8433405 E82/G02 F 124,000.00 ZZ 180 124,000.00 1 5.750 1,029.71 50 5.500 1,029.71 ST PETERSBURG FL 33711 2 02/07/03 00 0400770004 08 04/01/03 0 1918900 O 03/01/18 0 8433409 E82/G02 F 77,600.00 ZZ 180 77,600.00 1 5.750 644.40 80 5.500 644.40 CUTLER OH 45724 2 02/07/03 00 0400766200 05 04/01/03 0 0400766200 O 03/01/18 0 8433417 E82/G02 F 142,000.00 ZZ 180 142,000.00 1 5.875 1,188.71 52 5.625 1,188.71 1 FARMINGTON HILL MI 48336 2 02/07/03 00 0400780052 05 04/01/03 0 1721760 O 03/01/18 0 8433495 B43/G02 F 54,000.00 ZZ 180 53,802.16 1 5.250 434.09 23 5.000 434.09 DALLAS TX 75208 5 01/23/03 00 0435396932 05 03/01/03 0 31685 O 02/01/18 0 8434391 W39/G02 F 67,500.00 ZZ 180 67,500.00 1 6.250 578.76 90 6.000 578.76 CARTHAGE MS 39051 5 02/04/03 01 0435373600 05 04/01/03 25 LA030159 O 03/01/18 0 8434591 168/168 F 37,000.00 T 180 36,624.43 1 6.250 317.25 78 6.000 317.25 ASHVILLE NY 14710 1 11/25/02 00 0099433192 05 01/01/03 0 0099433192 O 12/01/17 0 8435281 E47/G02 F 118,500.00 ZZ 180 118,083.77 1 5.750 984.04 40 5.500 984.04 CONCORD CA 94521 2 01/22/03 00 0435351465 05 03/01/03 0 7359512969 O 02/01/18 0 8435293 K15/G02 F 84,500.00 ZZ 180 84,500.00 1 6.500 736.09 95 6.250 736.09 CHICAGO IL 60636 5 02/01/03 41 0435362454 05 04/01/03 25 031105506550 O 03/01/18 0 1 8435301 X67/G02 F 145,600.00 ZZ 180 145,135.63 4 6.875 1,298.54 67 6.625 1,298.54 LAS VEGAS NV 89110 5 01/17/03 00 0435374640 05 03/01/03 0 00270876 N 02/01/18 0 8435315 X67/G02 F 112,000.00 ZZ 180 111,593.95 1 5.375 907.72 37 5.125 907.72 GAREN GROVE CA 92840 5 01/13/03 00 0435384037 05 03/01/03 0 00282293 O 02/01/18 0 8435329 K15/G02 F 128,000.00 ZZ 180 128,000.00 1 5.875 1,071.51 52 5.625 1,071.51 EAST BRIDGEWATE MA 02333 5 02/05/03 00 0435363064 05 04/01/03 0 024005510469 O 03/01/18 0 8435581 253/253 F 120,000.00 ZZ 180 119,574.02 1 5.625 988.48 47 5.375 988.48 FORT WORTH TX 76116 5 01/31/03 00 455224 05 03/01/03 0 455224 O 02/01/18 0 8435631 U35/G02 F 68,850.00 ZZ 180 68,850.00 1 5.750 571.74 85 5.500 571.74 OSHKOSH WI 54901 5 02/07/03 01 0435398672 05 04/01/03 12 10735988 O 03/01/18 0 8435653 U35/G02 F 129,000.00 ZZ 180 129,000.00 1 1 5.875 1,079.88 75 5.625 1,079.88 BLUE GRASS IA 52726 5 02/07/03 00 0435419932 05 04/01/03 0 7676049 O 03/01/18 0 8435899 N67/G02 F 75,000.00 T 180 74,765.94 1 7.125 679.37 63 6.875 679.37 LAKECITY SC 29560 1 01/17/03 00 0435371737 05 03/01/03 0 3254004054 O 02/01/18 0 8436413 N74/G02 F 121,600.00 ZZ 180 121,177.39 1 5.875 1,017.94 95 5.625 1,017.94 CHRISTIANSBURG VA 24073 2 02/05/03 10 0435425756 05 03/10/03 30 0031668010 O 02/10/18 0 8436415 144/144 F 146,400.00 ZZ 180 145,849.59 1 5.750 1,215.72 80 5.500 1,215.72 KINGSTON NY 12401 5 01/23/03 00 160711614 05 03/01/03 0 160711614 O 02/01/18 0 8436417 144/144 F 153,750.00 ZZ 180 153,204.21 1 5.625 1,266.49 75 5.375 1,266.49 POUGHKEEPSIE NY 12601 1 01/03/03 00 160709642 05 03/01/03 0 160709642 O 02/01/18 0 8436423 P09/G02 F 46,750.00 ZZ 180 46,750.00 1 6.000 394.50 70 5.750 394.50 GREENBELT MD 20770 2 02/11/03 00 0435375936 01 04/01/03 0 1 R0212409 O 03/01/18 0 8436429 975/G02 F 240,000.00 ZZ 180 240,000.00 3 5.375 1,945.12 64 5.125 1,945.12 EL MONTE CA 91732 1 02/03/03 00 0435382692 05 04/01/03 0 2030237 O 03/01/18 0 8436435 975/G02 F 464,000.00 ZZ 180 464,000.00 1 5.625 3,822.12 80 5.375 3,822.12 ARCADIA CA 91007 1 02/07/03 00 0435372776 05 04/01/03 0 2030319 O 03/01/18 0 8436437 L46/L46 F 411,000.00 ZZ 180 409,601.74 1 6.125 3,496.07 75 5.875 3,496.07 CLARKSTON MI 48348 2 01/17/03 00 0002118990 05 03/01/03 0 0002118990 O 02/01/18 0 8436439 L46/L46 F 456,000.00 ZZ 180 453,898.32 1 5.750 3,786.68 79 5.500 3,786.68 METAMORA MI 48455 5 01/16/03 00 0002132637 05 03/01/03 0 0002132637 O 02/01/18 0 8436513 737/G02 F 115,200.00 ZZ 180 114,803.88 1 6.000 972.12 80 5.750 972.12 JACKSONVILLE FL 32246 1 02/05/03 00 0435350582 03 03/01/03 0 2107306 N 02/01/18 0 1 8436517 G52/G02 F 380,000.00 ZZ 180 375,976.60 1 5.750 3,155.56 80 5.500 3,155.56 TUCSON AZ 85745 5 11/25/02 00 0435430038 03 01/01/03 0 9815005151 O 12/01/17 0 8436957 E22/G02 F 66,400.00 ZZ 180 66,400.00 1 6.000 560.32 80 5.750 560.32 MOBILE AL 36605 2 02/07/03 00 0415848910 05 04/01/03 0 0415848910 O 03/01/18 0 8436965 E22/G02 F 595,000.00 ZZ 180 595,000.00 1 5.625 4,901.20 59 5.375 4,901.20 GRASS VALLEY CA 95949 5 02/04/03 00 0415865500 05 04/01/03 0 0415865500 O 03/01/18 0 8437015 E82/G02 F 127,500.00 ZZ 180 127,500.00 2 5.750 1,058.77 54 5.500 1,058.77 WEST SAINT PAUL MN 55118 2 02/10/03 00 0400770871 05 04/01/03 0 2827157 O 03/01/18 0 8437019 E82/G02 F 93,000.00 ZZ 180 93,000.00 1 5.625 766.07 55 5.375 766.07 LARAMIE WY 82070 2 02/10/03 00 0400752036 05 04/01/03 0 0400752036 O 03/01/18 0 8437023 E82/G02 F 151,000.00 ZZ 180 151,000.00 1 5.625 1,243.83 69 5.375 1,243.83 1 NORMAN OK 73069 2 02/10/03 00 0400776233 05 04/01/03 0 3105270 O 03/01/18 0 8437075 E22/G02 F 85,400.00 ZZ 180 85,400.00 1 5.750 709.17 61 5.500 709.17 DALLAS TX 75218 2 02/07/03 00 0415973106 05 04/01/03 0 0415973106 O 03/01/18 0 8437103 E22/G02 F 60,000.00 ZZ 180 60,000.00 1 5.875 502.27 69 5.625 502.27 CANYON TX 79015 5 02/07/03 00 0416017812 05 04/01/03 0 0416017812 O 03/01/18 0 8437123 E22/G02 F 104,000.00 ZZ 180 104,000.00 1 5.375 842.88 80 5.125 842.88 GRAND BAY AL 36541 2 02/07/03 00 0416049146 05 04/01/03 0 0416049146 O 03/01/18 0 8437535 E47/G02 F 253,000.00 ZZ 180 252,111.35 1 5.750 2,100.94 58 5.500 2,100.94 NEWARK CA 94560 5 01/23/03 00 0435394846 05 03/01/03 0 7359513081 O 02/01/18 0 8437587 E47/G02 F 135,000.00 ZZ 180 134,515.69 1 5.500 1,103.06 63 5.250 1,103.06 RACINE WI 53402 5 01/27/03 00 0435393004 05 03/01/03 0 7360514906 O 02/01/18 0 1 8437663 W75/G02 F 195,000.00 ZZ 180 194,293.03 1 5.375 1,580.41 46 5.125 1,580.41 ALISO VIEJO CA 92656 5 01/27/03 00 0435432174 03 03/01/03 0 03010134 O 02/01/18 0 8437817 P09/G02 F 130,500.00 ZZ 180 130,500.00 1 5.875 1,092.44 65 5.625 1,092.44 BOWIE MD 20715 2 02/12/03 00 0435384482 05 04/01/03 0 R0301243 O 03/01/18 0 8437947 532/G02 F 216,000.00 ZZ 180 216,000.00 1 5.375 1,750.61 54 5.125 1,750.61 EL DORADO CA 95623 2 02/05/03 00 0435392352 05 04/01/03 0 PF03082 O 03/01/18 0 8437953 601/G02 F 53,000.00 ZZ 180 52,626.79 1 5.750 440.12 64 5.500 440.12 PETAL MS 39465 2 01/06/03 00 0435378096 05 02/01/03 0 62262852 O 01/01/18 0 8437963 L85/G02 F 515,000.00 ZZ 180 515,000.00 1 5.875 4,311.16 80 5.625 4,311.16 WALNUT CREEK CA 94598 5 02/12/03 00 0435426366 05 04/01/03 0 10211175CA O 03/01/18 0 8438295 W02/G02 F 113,400.00 ZZ 180 113,001.69 1 1 5.750 941.69 90 5.500 941.69 PORT SAINT LUCI FL 34953 5 01/28/03 12 0435356365 05 03/01/03 12 1001922912 O 02/01/18 0 8438383 808/G02 F 116,000.00 ZZ 180 115,601.12 1 6.000 978.88 65 5.750 978.88 POMONA CA 91766 2 01/21/03 00 0435350897 05 03/01/03 0 9328557 O 02/01/18 0 8438387 K15/G02 F 183,800.00 ZZ 180 183,800.00 1 5.875 1,538.62 80 5.625 1,538.62 BRONX NY 10461 2 02/05/03 00 0435364294 05 04/01/03 0 020805510392 O 03/01/18 0 8438459 808/G02 F 105,000.00 ZZ 180 104,635.08 1 5.875 878.98 49 5.625 878.98 PALMDALE CA 93551 2 01/13/03 00 0435364708 05 03/01/03 0 9506162 O 02/01/18 0 8438471 624/G02 F 200,000.00 ZZ 180 200,000.00 1 5.625 1,647.46 73 5.375 1,647.46 ANAHEIM CA 92805 5 01/29/03 00 0435366406 05 04/01/03 0 1000022110 O 03/01/18 0 8438495 A35/G02 F 160,000.00 ZZ 180 160,000.00 1 5.375 1,296.74 75 5.125 1,296.74 COPIAGUE NY 11726 5 02/06/03 00 0435365028 05 04/01/03 0 1 1 O 03/01/18 0 8438497 E47/G02 F 113,600.00 ZZ 180 113,188.14 1 5.375 920.69 80 5.125 920.69 SAN ANTONIO TX 78250 5 01/24/03 00 0435406533 05 03/01/03 0 7329013095 O 02/01/18 0 8438531 X67/G02 F 195,000.00 ZZ 180 194,300.44 1 5.500 1,593.31 78 5.250 1,593.31 GLENDORA CA 91740 2 01/28/03 00 0435396239 05 03/01/03 0 00282619 O 02/01/18 0 8438545 X67/G02 F 228,500.00 ZZ 180 227,705.88 1 5.875 1,912.82 73 5.625 1,912.82 VAN NUYS CA 91405 2 01/22/03 00 0435361134 05 03/01/03 0 00282193 O 02/01/18 0 8438645 W39/G02 F 106,000.00 ZZ 180 106,000.00 1 5.875 887.35 63 5.625 887.35 FLOWER MOUND TX 75028 2 02/10/03 00 0435405956 05 04/01/03 0 PNI30716 N 03/01/18 0 8439091 E84/G02 F 137,000.00 ZZ 180 135,160.57 1 6.375 1,184.02 72 6.125 1,184.02 LANGHORNE PA 19047 5 10/01/02 00 0435488242 07 12/01/02 0 87220090 O 11/01/17 0 1 8439135 E84/G02 F 132,500.00 ZZ 180 132,054.01 1 6.250 1,136.09 49 6.000 1,136.09 SALINAS CA 93906 5 01/27/03 00 0435356431 05 03/01/03 0 53520330 N 02/01/18 0 8439139 U36/G02 F 60,000.00 ZZ 180 59,800.20 1 6.375 518.55 64 6.125 518.55 DALTON GA 30721 2 01/14/03 00 0435412234 05 03/01/03 0 100892003 N 02/01/18 0 8440175 E82/G02 F 103,000.00 ZZ 180 103,000.00 1 5.875 862.23 60 5.625 862.23 COLORADO SPRING CO 80918 2 02/07/03 00 0400742870 03 04/01/03 0 0400742870 N 03/01/18 0 8440211 E84/G02 F 190,000.00 ZZ 180 189,332.64 1 5.750 1,577.78 45 5.500 1,577.78 AROMAS CA 95004 2 01/27/03 00 0435422902 05 03/01/03 0 53520329 O 02/01/18 0 8440215 E84/G02 F 65,000.00 ZZ 180 64,781.22 2 6.250 557.32 55 6.000 557.32 MOUNT JULIET TN 37122 5 01/30/03 00 0435367594 05 03/01/03 0 82031959 N 02/01/18 0 8440293 E84/G02 F 127,500.00 ZZ 180 125,308.91 1 6.125 1,084.55 75 5.875 1,084.55 1 MARGATE FL 33063 5 09/27/02 00 0435429519 05 11/01/02 0 15308072 O 10/01/17 0 8440439 E22/G02 F 212,000.00 ZZ 180 212,000.00 1 5.750 1,760.47 80 5.500 1,760.47 FONTANA CA 92336 5 02/04/03 00 0415911684 05 04/01/03 0 0415911684 O 03/01/18 0 8440531 E22/G02 F 103,000.00 ZZ 180 103,000.00 1 5.875 862.23 61 5.625 862.23 ETOWAH NC 28729 5 02/13/03 00 0416065332 05 04/01/03 0 0416065332 N 03/01/18 0 8440533 E22/G02 F 129,000.00 ZZ 180 129,000.00 1 5.625 1,062.61 74 5.375 1,062.61 HENDERSONVILLE NC 28739 2 02/13/03 00 0416068278 07 04/01/03 0 0416068278 N 03/01/18 0 8440537 E22/G02 F 64,500.00 ZZ 180 64,500.00 1 5.750 535.61 80 5.500 535.61 SACRAMENTO CA 95826 1 02/05/03 00 0416075323 01 04/01/03 0 0416075323 N 03/01/18 0 8440541 E22/G02 F 250,000.00 ZZ 180 250,000.00 1 5.625 2,059.33 36 5.375 2,059.33 SAN FRANCISCO CA 94132 2 02/02/03 00 0416085561 05 04/01/03 0 0416085561 O 03/01/18 0 1 8440559 E84/G02 F 72,000.00 ZZ 180 70,775.61 1 6.250 617.34 64 6.000 617.34 MONROE NC 28110 2 09/24/02 00 0435380688 05 11/01/02 0 65020082 O 10/01/17 0 8440571 E84/G02 F 575,000.00 ZZ 180 544,142.03 1 5.875 4,813.43 50 5.625 4,813.43 DENVER CO 80209 2 09/03/02 00 0435382023 05 10/01/02 0 32805615 O 09/01/17 0 8440621 E84/G02 F 135,000.00 ZZ 180 133,225.46 1 6.625 1,185.29 34 6.375 1,185.29 SAN LEANDRO CA 94577 5 10/21/02 00 0435384219 05 12/01/02 0 73120266 N 11/01/17 0 8440773 E84/G02 F 110,000.00 ZZ 180 107,796.02 2 6.500 958.22 65 6.250 958.22 DEARBORN MI 48126 2 08/15/02 00 0435381710 05 10/01/02 0 14500549 O 09/01/17 0 8440789 E84/G02 F 66,500.00 ZZ 180 65,351.72 1 6.375 574.73 70 6.125 574.73 ANNAPOLIS MD 21403 2 09/12/02 00 0435381488 01 11/01/02 0 86520083 N 10/01/17 0 8441417 Q87/G02 F 50,000.00 ZZ 120 49,270.83 1 1 6.500 567.74 39 6.250 567.74 MISSION TX 78572 5 02/04/03 00 0435447560 05 03/10/03 0 REMA02 O 02/10/13 0 8441505 U05/G02 F 135,900.00 ZZ 180 135,427.70 1 5.875 1,137.64 68 5.625 1,137.64 WILMINGTON AREA CA 90744 5 01/27/03 00 0435397559 05 03/01/03 0 3303907 O 02/01/18 0 8441549 Q73/G02 F 49,150.00 ZZ 180 48,980.99 2 6.000 414.76 53 5.750 414.76 SENATOBIA MS 38668 2 01/31/03 00 0435415401 05 03/01/03 0 3002571 N 02/01/18 0 8441613 Q73/G02 F 49,150.00 ZZ 180 48,980.99 2 6.000 414.76 53 5.750 414.76 SENATOBIA MS 38668 2 01/31/03 00 0435428099 05 03/01/03 0 3012639 N 02/01/18 0 8441935 Q73/G02 F 49,150.00 ZZ 180 48,980.99 2 6.000 414.76 55 5.750 414.76 SENATOBIA MS 38668 5 01/31/03 00 0435382288 05 03/01/03 0 3012642 N 02/01/18 0 8441943 Q73/G02 F 49,150.00 ZZ 180 48,980.99 2 6.000 414.76 53 5.750 414.76 SENATOBIA MS 38668 5 01/31/03 00 0435382569 05 03/01/03 0 1 3012626 N 02/01/18 0 8441945 E84/G02 F 150,000.00 ZZ 180 147,475.80 1 6.375 1,296.38 80 6.125 1,296.38 SACRAMENTO CA 95823 5 09/10/02 00 0435384383 05 11/01/02 0 73821156 O 10/01/17 0 8441953 E84/G02 F 77,000.00 ZZ 180 75,932.96 1 6.000 649.77 54 5.750 649.77 LAKEWOOD CO 80226 2 10/17/02 00 0435382494 01 12/01/02 0 1101010974 O 11/01/17 0 8442049 758/G02 F 248,800.00 ZZ 180 247,944.48 1 6.000 2,099.52 80 5.750 2,099.52 AUSTIN TX 78750 5 01/22/03 00 0435434287 03 03/01/03 0 502718 O 02/01/18 0 8442061 E84/G02 F 173,000.00 ZZ 180 171,832.37 1 6.250 1,483.34 45 6.000 1,483.34 BELLEVUE WA 98006 5 12/03/02 00 0435382700 05 02/01/03 0 61206319 O 01/01/18 0 8442073 E84/G02 F 365,000.00 ZZ 180 359,834.86 1 5.750 3,031.00 50 5.500 3,031.00 ANNAPOLIS MD 21403 2 10/24/02 00 0435383237 09 12/01/02 0 66820309 O 11/01/17 0 1 8442443 E84/G02 F 519,500.00 ZZ 180 515,507.62 1 5.500 4,244.75 55 5.250 4,244.75 ALBUQUERQUE NM 87111 2 11/25/02 00 0435382171 03 02/01/03 0 1101015588 O 01/01/18 0 8442491 E84/G02 F 325,500.00 ZZ 180 323,155.40 1 6.000 2,746.75 80 5.750 2,746.75 GAITHERSBURG MD 20878 5 12/09/02 00 0435383062 09 02/01/03 0 87320170 O 01/01/18 0 8442657 E84/G02 F 180,000.00 ZZ 180 179,374.44 1 5.875 1,506.81 80 5.625 1,506.81 WEST UNION SC 29696 5 01/28/03 00 0435384524 05 03/01/03 0 93000237 O 02/01/18 0 8442659 E84/G02 F 168,500.00 ZZ 180 167,313.48 1 5.750 1,399.24 63 5.500 1,399.24 FOREST PARK IL 60130 2 12/19/02 00 0435383468 05 02/01/03 0 11216494 O 01/01/18 0 8442675 E82/G02 F 85,000.00 ZZ 180 85,000.00 1 5.625 700.17 37 5.375 700.17 SARASOTA FL 34243 2 02/10/03 00 0400766515 05 04/01/03 0 1908004 O 03/01/18 0 8442703 E82/G02 F 116,500.00 ZZ 180 116,500.00 1 5.625 959.65 69 5.375 959.65 1 WHITMORE CA 96096 2 02/07/03 00 0400771911 05 04/01/03 0 7847213 O 03/01/18 0 8442719 E82/G02 F 55,000.00 ZZ 180 55,000.00 1 5.625 453.05 43 5.375 453.05 LOS ANGELES CA 91316 2 02/07/03 00 0400771408 01 04/01/03 0 1853460 O 03/01/18 0 8442779 U05/G02 F 144,000.00 ZZ 180 143,477.93 1 5.375 1,167.07 80 5.125 1,167.07 ANCHORAGE AK 99521 5 01/27/03 00 0435376702 05 03/01/03 0 3275005 O 02/01/18 0 8442789 E84/G02 F 65,300.00 ZZ 180 65,065.73 1 5.500 533.56 75 5.250 533.56 PORT ORCHARD WA 98066 2 01/23/03 00 0435383724 05 03/01/03 0 61206518 O 02/01/18 0 8442793 U05/G02 F 123,000.00 TX 180 122,607.71 1 6.875 1,096.98 72 6.625 1,096.98 GRANBURY TX 76049 5 01/23/03 00 0435405220 03 03/01/03 0 3297454 O 02/01/18 0 8442829 964/G02 F 77,300.00 ZZ 180 77,031.36 1 5.875 647.09 60 5.625 647.09 PLANO TX 75023 2 01/28/03 00 0435426937 05 03/01/03 0 343494 N 02/01/18 0 1 8442859 U05/G02 F 80,000.00 ZZ 180 79,721.98 1 5.875 669.69 80 5.625 669.69 SOUTH HOUSTON TX 77587 5 01/29/03 00 0435378104 05 03/01/03 0 3305966 O 02/01/18 0 8443365 E22/G02 F 170,000.00 ZZ 180 170,000.00 1 6.000 1,434.56 74 5.750 1,434.56 ST.CHARLES MO 63304 5 02/10/03 00 0416059491 05 04/01/03 0 0416059491 O 03/01/18 0 8443379 E22/G02 F 142,400.00 T 120 142,400.00 1 5.500 1,545.41 80 5.250 1,545.41 MIAMI FL 33178 1 02/14/03 00 0416076099 09 04/01/03 0 0416076099 O 03/01/13 0 8443409 E22/G02 F 53,000.00 ZZ 180 53,000.00 1 5.875 443.67 57 5.625 443.67 FORT WAYNE IN 46825 1 02/14/03 00 0416108215 05 04/01/03 0 0416108215 O 03/01/18 0 8443495 E22/G02 F 91,200.00 ZZ 180 91,200.00 1 6.375 788.20 80 6.125 788.20 OMAHA NE 68137 5 02/11/03 00 0415818822 05 04/01/03 0 0415818822 O 03/01/18 0 8443497 E22/G02 F 138,000.00 ZZ 180 138,000.00 1 1 6.000 1,164.52 80 5.750 1,164.52 FRISCO TX 75035 5 02/10/03 00 0415818947 03 04/01/03 0 0415818947 O 03/01/18 0 8443537 E22/G02 F 58,850.00 ZZ 180 58,850.00 1 5.375 476.96 70 5.125 476.96 SPRING HILL KS 66083 2 02/10/03 00 0415908888 05 04/01/03 0 0415908888 O 03/01/18 0 8443559 E22/G02 F 105,750.00 ZZ 180 105,750.00 2 6.250 906.72 75 6.000 906.72 SALT LAKE CITY UT 84119 2 02/06/03 00 0415942481 05 04/01/03 0 0415942481 N 03/01/18 0 8443581 E22/G02 F 170,000.00 ZZ 180 169,383.67 1 5.375 1,377.79 63 5.125 1,377.79 TEMECULA CA 92592 2 01/31/03 00 0415981653 29 03/01/03 0 0415981653 O 02/01/18 0 8443583 E22/G02 F 72,800.00 ZZ 180 72,800.00 1 5.750 604.54 37 5.500 604.54 LA (WILMINGTON CA 90744 2 02/03/03 00 0415984525 05 04/01/03 0 0415984525 N 03/01/18 0 8443589 E22/G02 F 84,000.00 ZZ 180 84,000.00 1 5.500 686.35 75 5.250 686.35 BLOOMINGDALE MI 49026 5 02/13/03 00 0415992486 05 04/01/03 0 1 0415992486 O 03/01/18 0 8443591 E22/G02 F 102,750.00 ZZ 180 102,750.00 1 5.625 846.38 75 5.375 846.38 DES MOINES IA 50315 5 02/11/03 00 0415992924 05 04/01/03 0 0415992924 O 03/01/18 0 8443619 W02/G02 F 82,000.00 ZZ 180 81,708.92 1 5.625 675.46 74 5.375 675.46 JACKSONVILLE FL 32221 5 01/25/03 00 0435462528 05 03/01/03 0 1001953149 O 02/01/18 0 8443731 W02/G02 F 73,625.00 ZZ 180 73,371.84 1 6.000 621.29 95 5.750 621.29 JACKSONVILLE FL 32208 5 01/27/03 14 0435435136 05 03/01/03 25 1002003993 O 02/01/18 0 8443787 964/G02 F 165,000.00 ZZ 180 164,401.79 1 5.375 1,337.27 44 5.125 1,337.27 ATASCADERO CA 93422 5 01/14/03 00 0435427307 05 03/01/03 0 315100 O 02/01/18 0 8443811 W02/G02 F 140,600.00 ZZ 180 140,111.36 1 5.875 1,176.99 95 5.625 1,176.99 ORLANDO FL 34741 5 01/27/03 26 0435435219 05 03/01/03 25 1001972636 O 02/01/18 0 1 8443815 W02/G02 F 152,000.00 ZZ 180 151,466.10 1 5.750 1,262.23 55 5.500 1,262.23 BAKER FL 32531 5 01/27/03 00 0435435268 05 03/01/03 0 1002025755 O 02/01/18 0 8443825 W02/G02 F 61,200.00 ZZ 180 60,994.00 1 6.250 524.75 90 6.000 524.75 CHATTANOOGA TN 37416 5 01/27/03 28 0435462361 05 03/01/03 12 1001896919 O 02/01/18 0 8443855 W02/G02 F 160,000.00 ZZ 180 159,467.19 1 6.375 1,382.81 94 6.125 1,382.81 ORANGE PARK FL 32065 5 01/24/03 26 0435435235 05 03/01/03 25 1002004768 O 02/01/18 0 8443861 W02/G02 F 71,250.00 ZZ 180 71,017.78 1 6.625 625.58 94 6.375 625.58 JACKSONVILLE FL 32246 5 01/25/03 28 0435435102 05 03/01/03 25 1001972561 O 02/01/18 0 8444167 W02/G02 F 42,000.00 ZZ 180 41,855.58 1 6.000 354.42 43 5.750 354.42 ARTEMAS PA 17211 5 01/27/03 00 0435435169 05 03/01/03 0 1001763382 O 02/01/18 0 8444643 E82/G02 F 35,000.00 ZZ 180 35,000.00 1 5.750 290.64 78 5.500 290.64 1 PANAMA CITY FL 32401 2 02/13/03 00 0400781274 05 04/01/03 0 1684550 N 03/01/18 0 8444645 E82/G02 F 67,800.00 ZZ 180 67,800.00 1 6.125 576.72 59 5.875 576.72 SNELLVILLE GA 30039 2 02/13/03 00 0400777553 05 04/01/03 0 1756527 N 03/01/18 0 8444647 E82/G02 F 120,650.00 ZZ 180 120,650.00 1 5.625 993.83 54 5.375 993.83 PENSACOLA FL 32526 2 02/11/03 00 0400779864 05 04/01/03 0 1975273 O 03/01/18 0 8444651 E82/G02 F 98,500.00 ZZ 180 98,500.00 1 5.500 804.83 64 5.250 804.83 HOUSTON TX 77067 2 02/12/03 00 0400780078 03 04/01/03 0 1872038 O 03/01/18 0 8444691 E82/G02 F 54,150.00 ZZ 180 54,150.00 1 5.625 446.05 74 5.375 446.05 INGRAM TX 78025 2 02/12/03 00 0400777843 05 04/01/03 0 1661071 O 03/01/18 0 8444711 E82/G02 F 35,500.00 ZZ 180 35,500.00 1 6.500 309.24 60 6.250 309.24 FORT WORTH TX 76112 2 02/13/03 00 0400779179 05 04/01/03 0 1617304 N 03/01/18 0 1 8444721 K15/G02 F 73,100.00 ZZ 180 73,100.00 1 6.125 621.81 85 5.875 621.81 HECTOR NY 14869 5 02/08/03 41 0435385182 05 04/01/03 6 029505510553 O 03/01/18 0 8444777 Q14/G02 F 125,000.00 ZZ 180 125,000.00 1 5.500 1,021.35 78 5.250 1,021.35 CEDAR RAPIDS IA 52404 5 02/11/03 00 0435447073 05 04/01/03 0 0000311384 O 03/01/18 0 8444857 K15/G02 F 133,600.00 ZZ 120 133,600.00 2 5.625 1,458.20 51 5.375 1,458.20 CLIFTON NJ 07011 5 02/10/03 00 0435395264 05 04/01/03 0 203505510077 O 03/01/13 0 8445107 E47/G02 F 108,750.00 ZZ 180 108,750.00 1 6.125 925.05 68 5.875 925.05 CHICAGO IL 60639 5 02/03/03 00 0435397443 05 04/01/03 0 7360514968 O 03/01/18 0 8445429 S27/G02 F 224,000.00 ZZ 180 224,000.00 1 6.125 1,905.40 70 5.875 1,905.40 SPRINGFIELD VA 22150 5 02/07/03 00 0435408919 05 04/01/03 0 1130011575 O 03/01/18 0 8445465 S27/G02 F 83,100.00 ZZ 180 83,100.00 1 1 5.625 684.53 45 5.375 684.53 SUMMERSVILLE MO 65571 5 02/07/03 00 0435427844 05 04/01/03 0 1830004506 O 03/01/18 0 8445531 S11/G02 F 196,000.00 ZZ 180 196,000.00 1 5.625 1,614.51 44 5.375 1,614.51 SAN DIEGO CA 92131 5 01/31/03 00 0435417522 05 04/01/03 0 10210518 O 03/01/18 0 8445533 964/G02 F 72,000.00 ZZ 180 71,752.42 1 6.000 607.58 48 5.750 607.58 DURANGO CO 81301 2 01/28/03 00 0435427356 01 03/01/03 0 310119 N 02/01/18 0 8445587 964/G02 F 221,000.00 ZZ 180 220,190.31 1 5.250 1,776.57 70 5.000 1,776.57 VANCOUVER WA 98686 2 01/15/03 00 0435427265 07 03/01/03 0 329909 O 02/01/18 0 8445621 U05/G02 F 363,400.00 ZZ 180 362,082.50 1 5.375 2,945.23 21 5.125 2,945.23 LAGO VISTA TX 78645 2 01/27/03 00 0435397096 05 03/01/03 0 3305820 O 02/01/18 0 8445627 964/G02 F 100,000.00 ZZ 180 99,645.02 1 5.625 823.73 34 5.375 823.73 DENVER CO 80206 5 01/23/03 00 0435427224 05 03/01/03 0 1 231747 O 02/01/18 0 8445629 624/G02 F 393,000.00 ZZ 180 393,000.00 1 5.375 3,185.13 70 5.125 3,185.13 MISSION VIEJO CA 92692 2 02/05/03 00 0435381033 03 04/01/03 0 1000021827 O 03/01/18 0 8445643 U05/G02 F 200,000.00 ZZ 180 199,290.04 1 5.625 1,647.46 34 5.375 1,647.46 EL SOBRANTE CA 94803 5 01/09/03 00 0435396643 05 03/01/03 0 3295509 O 02/01/18 0 8445665 964/G02 F 269,000.00 ZZ 180 267,993.59 1 5.000 2,127.24 64 4.750 2,127.24 BREMERTON WA 98311 2 01/23/03 00 0435427273 05 03/01/03 0 307285 O 02/01/18 0 8445695 964/G02 F 315,000.00 ZZ 180 313,809.15 1 4.875 2,470.54 75 4.625 2,470.54 SALT LAKE CITY UT 84121 2 01/21/03 00 0435427190 05 03/01/03 0 330847 O 02/01/18 0 8445787 964/G02 F 72,000.00 ZZ 180 71,744.41 1 5.625 593.09 27 5.375 593.09 SANTA MONICA CA 90405 2 01/16/03 00 0435426671 01 03/01/03 0 328635 O 02/01/18 0 1 8446697 E82/G02 F 57,500.00 ZZ 180 57,500.00 1 6.250 493.02 39 6.000 493.02 LAS VEGAS NV 89120 2 02/13/03 00 0400738175 05 04/01/03 0 1921451 N 03/01/18 0 8446699 E82/G02 F 221,000.00 ZZ 180 221,000.00 1 6.125 1,879.88 65 5.875 1,879.88 EAST GREENBUSH NY 12061 2 02/11/03 00 0400757738 05 04/01/03 0 0400757738 O 03/01/18 0 8447335 N74/G02 F 117,000.00 ZZ 180 117,000.00 1 5.500 955.99 84 5.250 955.99 ROANOKE VA 24018 5 02/12/03 10 0435401062 05 04/01/03 12 0031713010 O 03/01/18 0 8447493 Q87/G02 F 40,000.00 ZZ 180 39,858.01 1 5.625 329.49 77 5.375 329.49 CROSSVILLE AL 35962 5 02/13/03 00 0435409305 05 03/19/03 0 ADSC01 O 02/19/18 0 8447551 E82/G02 F 38,600.00 ZZ 180 38,600.00 1 5.875 323.13 38 5.625 323.13 TAYLORSVILLE UT 84123 2 02/12/03 00 0400771374 03 04/01/03 0 1939360 O 03/01/18 0 8447559 E82/G02 F 128,050.00 ZZ 180 128,050.00 1 5.875 1,071.93 70 5.625 1,071.93 1 BROKEN ARROW OK 74012 2 02/12/03 00 0400752564 05 04/01/03 0 1752255 O 03/01/18 0 8447563 E82/G02 F 91,500.00 ZZ 180 91,500.00 1 5.750 759.83 53 5.500 759.83 MIRAMAR FL 33029 2 02/11/03 00 0400763363 03 04/01/03 0 1520328 O 03/01/18 0 8447569 E82/G02 F 105,800.00 ZZ 180 105,800.00 1 5.875 885.67 24 5.625 885.67 SEATTLE WA 98119 5 02/12/03 00 0400777405 05 04/01/03 0 0400777405 O 03/01/18 0 8447571 E82/G02 F 60,000.00 ZZ 180 60,000.00 1 5.500 490.25 28 5.250 490.25 MIRAMAR FL 33027 2 02/12/03 00 0400784773 03 04/01/03 0 3570058 O 03/01/18 0 8447733 758/G02 F 132,750.00 ZZ 180 132,750.00 4 5.625 1,093.50 90 5.375 1,093.50 COLLEGE STATION TX 77840 1 02/03/03 04 0435431812 05 04/01/03 25 201650 N 03/01/18 0 8447835 W02/G02 F 80,000.00 ZZ 180 80,000.00 1 5.500 653.67 80 5.250 653.67 TAMPA FL 33637 5 02/11/03 00 0435395819 05 04/01/03 0 1001925619 O 03/01/18 0 1 8447863 E47/G02 F 227,200.00 ZZ 180 227,200.00 1 5.500 1,856.41 80 5.250 1,856.41 HUGHSON CA 95326 5 02/06/03 00 0435427729 05 04/01/03 0 7359513233 O 03/01/18 0 8448171 W02/G02 F 63,000.00 ZZ 180 63,000.00 1 5.375 510.60 71 5.125 510.60 ANDERSON SC 29626 5 02/10/03 00 0435393954 05 04/01/03 0 1001995430 O 03/01/18 0 8448307 U05/G02 F 88,000.00 TX 180 87,703.80 1 6.250 754.53 80 6.000 754.53 GARLAND TX 75042 5 01/28/03 00 0435426986 05 03/01/03 0 3296020 O 02/01/18 0 8448957 369/G02 F 340,000.00 ZZ 180 328,680.67 2 6.125 2,892.13 49 5.875 2,892.13 FORT LEE NJ 07024 5 01/06/03 00 0435399472 05 02/01/03 0 27279560 O 01/01/18 0 8449553 A21/G02 F 70,000.00 ZZ 180 70,000.00 1 5.500 571.96 55 5.250 571.96 ATLANTIC CITY NJ 08401 2 02/03/03 00 0435402870 09 04/01/03 0 0100133914 O 03/01/18 0 8449939 E22/G02 F 89,600.00 ZZ 180 89,600.00 1 1 5.625 738.06 80 5.375 738.06 POMPANO BEACH FL 33069 1 02/18/03 00 0415835719 01 04/01/03 0 0415835719 O 03/01/18 0 8449943 E22/G02 F 136,935.00 ZZ 180 136,935.00 1 6.500 1,192.85 85 6.250 1,192.85 BREESE IL 62230 5 02/12/03 01 0415851864 05 04/01/03 12 0415851864 O 03/01/18 0 8449947 E22/G02 F 206,500.00 ZZ 180 206,500.00 1 5.625 1,701.01 53 5.375 1,701.01 GRASS VALLEY CA 95949 2 02/05/03 00 0415853266 05 04/01/03 0 0415853266 O 03/01/18 0 8450039 E22/G02 F 59,500.00 ZZ 180 59,500.00 1 5.375 482.23 88 5.125 482.23 MILLS WY 82644 2 02/12/03 01 0416107514 05 04/01/03 25 0416107514 O 03/01/18 0 8450041 E22/G02 F 120,000.00 ZZ 180 120,000.00 2 6.375 1,037.10 80 6.125 1,037.10 WEST VALLEY CIT UT 84119 5 02/10/03 00 0416119923 05 04/01/03 0 0416119923 N 03/01/18 0 8450171 E22/G02 F 112,000.00 ZZ 180 112,000.00 1 6.625 983.35 80 6.375 983.35 PLANO TX 75023 5 02/11/03 00 0415995026 05 04/01/03 0 1 0415995026 O 03/01/18 0 8450183 E22/G02 F 543,000.00 ZZ 180 543,000.00 1 5.875 4,545.55 68 5.625 4,545.55 SANTA BARBARA CA 93110 5 02/07/03 00 0416001857 05 04/01/03 0 0416001857 O 03/01/18 0 8450203 E22/G02 F 259,000.00 ZZ 180 259,000.00 1 5.375 2,099.11 41 5.125 2,099.11 SAN FRANCISCO CA 94121 2 02/07/03 00 0416011591 07 04/01/03 0 0416011591 O 03/01/18 0 8450299 W93/G02 F 95,100.00 ZZ 180 94,769.49 1 5.875 796.10 39 5.625 796.10 VISTA CA 92083 2 01/24/03 00 0435419569 05 03/01/03 0 28425853 O 02/01/18 0 8450305 W93/G02 F 120,000.00 ZZ 180 120,000.00 1 7.000 1,078.60 53 6.750 1,078.60 SAN DIEGO CA 92105 5 02/06/03 00 0435421979 05 04/01/03 0 28426009 N 03/01/18 0 8450319 W93/G02 F 503,800.00 ZZ 180 503,800.00 1 5.625 4,149.96 79 5.375 4,149.96 PHOENIX AZ 85020 5 02/05/03 00 0435473897 05 04/01/03 0 35437170 O 03/01/18 0 1 8450347 W93/G02 F 145,000.00 ZZ 180 145,000.00 1 6.250 1,243.27 76 6.000 1,243.27 RIALTO CA 92377 5 01/30/03 00 0435431408 05 04/01/03 0 67423806 O 03/01/18 0 8450349 W93/G02 F 112,000.00 ZZ 180 111,602.42 1 5.625 922.58 70 5.375 922.58 COLTON CA 92324 5 01/22/03 00 0435419759 03 03/01/03 0 67448328 O 02/01/18 0 8450401 W93/G02 F 125,000.00 ZZ 180 125,000.00 1 5.625 1,029.67 25 5.375 1,029.67 SAN MATEO CA 94403 5 02/05/03 00 0435423074 05 04/01/03 0 22432045 O 03/01/18 0 8450403 W93/G02 F 130,000.00 ZZ 180 130,000.00 1 6.250 1,114.65 54 6.000 1,114.65 OXNARD CA 93030 5 02/03/03 00 0435420955 05 04/01/03 0 25442073 O 03/01/18 0 8450405 W93/G02 F 340,000.00 ZZ 180 338,843.29 1 6.125 2,892.13 80 5.875 2,892.13 SPRING VALLEY CA 91977 5 01/27/03 00 0435421284 05 03/01/03 0 28425016 O 02/01/18 0 8450771 L96/G02 F 131,000.00 ZZ 180 131,000.00 1 5.375 1,061.71 56 5.125 1,061.71 1 LOS ANGELES CA 91402 2 02/04/03 00 0435423157 05 04/01/03 0 4031480000 N 03/01/18 0 8450791 E82/G02 F 37,500.00 ZZ 180 37,500.00 1 5.750 311.40 47 5.500 311.40 MIAMI FL 33138 2 02/14/03 00 0400786059 05 04/01/03 0 1740888 O 03/01/18 0 8450797 E82/G02 F 136,100.00 ZZ 180 136,100.00 1 5.625 1,121.10 55 5.375 1,121.10 PLANO TX 75075 2 02/14/03 00 0400783593 05 04/01/03 0 1735965 O 03/01/18 0 8450837 Q66/G02 F 105,500.00 ZZ 180 105,500.00 1 5.625 869.04 46 5.375 869.04 MINNEAPOLIS MN 55409 2 02/17/03 00 0435411145 05 04/01/03 0 03B0008 O 03/01/18 0 8451147 M27/G02 F 618,750.00 ZZ 180 618,750.00 1 5.500 5,055.70 69 5.250 5,055.70 GREENSBORO NC 27455 5 02/10/03 00 0435414115 03 04/01/03 0 0100097148 O 03/01/18 0 8451291 U05/G02 F 60,500.00 ZZ 180 60,282.95 1 5.500 494.34 41 5.250 494.34 PORTLAND OR 97206 5 01/27/03 00 0435419213 05 03/01/03 0 3303450 N 02/01/18 0 1 8451297 U05/G02 F 344,000.00 ZZ 180 344,000.00 1 5.625 2,833.64 40 5.375 2,833.64 ARCADIA CA 91007 2 02/06/03 00 0435431945 05 04/01/03 0 3313127 O 03/01/18 0 8451381 624/G02 F 75,000.00 ZZ 180 74,744.84 1 6.125 637.97 49 5.875 637.97 DOS PALOS CA 93620 5 01/24/03 00 0435421847 05 03/01/03 0 1000020970 O 02/01/18 0 8451415 N47/G02 F 136,000.00 ZZ 180 136,000.00 1 5.500 1,111.23 67 5.250 1,111.23 LA PUENTE CA 91744 2 02/06/03 00 0435437983 05 04/01/03 0 30502012 O 03/01/18 0 8451553 E47/G02 F 108,000.00 T 180 108,000.00 1 5.875 904.09 80 5.625 904.09 CAPE CORAL FL 33914 1 02/07/03 00 0435428180 05 04/01/03 0 7361013302 O 03/01/18 0 8451559 L96/G02 F 154,000.00 ZZ 180 154,000.00 1 5.375 1,248.12 62 5.125 1,248.12 LOS ANGELES CA 91335 2 02/04/03 00 0435419973 05 04/01/03 0 4029020000 N 03/01/18 0 8451573 Q31/G02 F 315,000.00 ZZ 180 315,000.00 1 1 5.750 2,615.79 79 5.500 2,615.79 LONG BEACH CA 90807 2 02/12/03 00 0435411848 05 04/01/03 0 SD885611 O 03/01/18 0 8451781 U05/G02 F 251,500.00 ZZ 180 251,500.00 1 5.125 2,005.26 48 4.875 2,005.26 WILLIS TX 77318 2 02/03/03 00 0435413513 03 04/01/03 0 3300709 O 03/01/18 0 8451855 E40/G02 F 272,000.00 ZZ 180 272,000.00 1 5.750 2,258.72 64 5.500 2,258.72 BILLERICA MA 01821 2 02/13/03 00 0435410600 05 04/01/03 0 200300060 O 03/01/18 0 8451859 286/286 F 67,200.00 ZZ 180 66,244.67 1 6.750 594.66 30 6.500 594.66 LONG BEACH NY 11561 2 11/27/02 00 1726329 05 01/01/03 0 1726329 N 12/01/17 0 8451861 286/286 F 50,000.00 ZZ 180 49,655.28 2 6.000 421.93 62 5.750 421.93 BLOOMINGTON IL 61701 5 12/05/02 00 1597430 05 02/01/03 0 1597430 N 01/01/18 0 8451863 286/286 F 107,000.00 ZZ 180 106,308.09 3 6.750 946.86 31 6.500 946.86 LOS ANGELES CA 90026 2 12/05/02 00 1727337 05 02/01/03 0 1 1727337 N 01/01/18 0 8451865 286/286 F 81,000.00 ZZ 180 80,464.85 1 6.500 705.60 68 6.250 705.60 SEVIERVILLE TN 37863 5 12/19/02 00 1845105 05 02/01/03 0 1845105 N 01/01/18 0 8451867 286/286 F 260,000.00 ZZ 180 257,218.12 1 5.625 2,141.71 40 5.375 2,141.71 CASTRO VALLEY CA 94552 2 11/01/02 00 1596907 03 01/01/03 0 1596907 O 12/01/17 0 8451869 286/286 F 182,000.00 ZZ 180 180,088.80 1 5.875 1,523.56 80 5.625 1,523.56 CARDIFF CA 92007 5 11/21/02 00 1693803 03 01/01/03 0 1693803 O 12/01/17 0 8451875 286/286 F 139,750.00 ZZ 180 137,792.93 4 5.875 1,169.88 65 5.625 1,169.88 ALBUQUERQUE NM 87112 2 10/31/02 00 1719329 05 12/01/02 0 1719329 N 11/01/17 0 8451877 286/286 F 552,000.00 ZZ 180 544,810.54 1 5.750 4,583.87 30 5.500 4,583.87 DARIEN CT 06820 5 11/07/02 00 1711175 05 01/01/03 0 1711175 O 12/01/17 0 1 8451879 286/286 F 650,000.00 ZZ 180 643,189.80 1 5.875 5,441.28 75 5.625 5,441.28 CRYSTAL LAKE IL 60014 2 11/19/02 00 1446265 05 01/01/03 0 1446265 O 12/01/17 0 8451881 286/286 F 222,800.00 ZZ 180 220,416.15 1 5.625 1,835.28 35 5.375 1,835.28 SAN RAMON CA 94583 2 11/04/02 00 1591233 03 01/01/03 0 1591233 O 12/01/17 0 8451883 286/286 F 348,300.00 ZZ 180 344,494.71 1 5.375 2,822.86 47 5.125 2,822.86 HOUSTON TX 77005 2 11/13/02 00 1651526 05 01/01/03 0 1651526 O 12/01/17 0 8451887 286/286 F 111,000.00 ZZ 180 110,234.71 1 6.000 936.69 39 5.750 936.69 SALINAS CA 93906 2 12/11/02 00 1664894 05 02/01/03 0 1664894 N 01/01/18 0 8451889 286/286 F 75,000.00 ZZ 180 74,222.45 1 6.000 632.89 73 5.750 632.89 MIDLOTHIAN VA 23112 2 11/26/02 00 0001247738 05 01/01/03 0 0001247738 N 12/01/17 0 8451891 286/286 F 424,000.00 ZZ 180 421,168.64 1 6.375 3,664.43 80 6.125 3,664.43 1 BURLINGGAME CA 94010 2 12/13/02 00 1837031 01 02/01/03 0 1837031 O 01/01/18 0 8451893 286/286 F 68,500.00 ZZ 180 68,027.74 1 6.000 578.04 69 5.750 578.04 VIRGINIA BEACH VA 23454 2 12/20/02 00 0001246647 05 02/01/03 0 0001246647 N 01/01/18 0 8451895 286/286 F 53,300.00 ZZ 180 52,897.26 1 6.250 457.01 65 6.000 457.01 CONNERSVILLE IN 47331 5 12/20/02 00 1868848 05 02/01/03 0 1868848 N 01/01/18 0 8451897 286/286 F 40,625.00 ZZ 180 40,197.46 1 6.250 348.33 65 6.000 348.33 NEW CASTLE IN 47362 5 12/20/02 00 1870352 05 02/01/03 0 1870352 N 01/01/18 0 8451899 286/286 F 48,750.00 ZZ 180 48,338.96 1 6.250 418.00 59 6.000 418.00 CONNERSVILLE IN 47331 5 12/20/02 00 1870449 05 02/01/03 0 1870449 N 01/01/18 0 8451901 286/286 F 54,600.00 ZZ 180 54,176.62 2 5.875 457.07 65 5.625 457.07 RUSHVILLE IN 46173 5 12/20/02 00 1870486 05 02/01/03 0 1870486 N 01/01/18 0 1 8451903 286/286 F 310,000.00 ZZ 180 307,840.00 1 5.875 2,595.07 49 5.625 2,595.07 LOS ANGELES CA 90004 2 12/18/02 00 1849675 05 02/01/03 0 1849675 O 01/01/18 0 8451905 286/286 F 300,000.00 ZZ 180 296,856.84 1 5.875 2,511.36 60 5.625 2,511.36 BUMPASS VA 23024 5 11/22/02 00 0001250105 05 01/01/03 0 0001250105 O 12/01/17 0 8451907 286/286 F 359,000.00 ZZ 180 356,418.27 1 5.500 2,933.33 46 5.250 2,933.33 SAN DIEGO CA 92128 2 12/11/02 00 1811972 05 02/01/03 0 1811972 O 01/01/18 0 8451909 286/286 F 308,500.00 ZZ 180 306,281.43 1 5.500 2,520.71 48 5.250 2,520.71 COSTA MESA CA 92626 2 12/10/02 00 1810694 05 02/01/03 0 1810694 O 01/01/18 0 8451911 286/286 F 64,000.00 ZZ 180 63,554.05 1 5.875 535.76 62 5.625 535.76 LEWISTON UT 84320 5 12/03/02 00 1659594 05 02/01/03 0 1659594 N 01/01/18 0 8451913 286/286 F 136,000.00 ZZ 180 134,489.68 1 1 6.000 1,147.65 32 5.750 1,147.65 MONROVIA CA 91016 5 11/20/02 00 1744996 05 01/01/03 0 1744996 N 12/01/17 0 8451915 286/286 F 178,500.00 ZZ 180 176,610.04 1 5.750 1,482.29 44 5.500 1,482.29 PROVINCETOWN MA 02657 5 11/27/02 00 1504738 01 01/01/03 0 1504738 N 12/01/17 0 8451917 286/286 F 109,980.00 ZZ 180 108,753.49 4 5.875 920.67 90 5.625 920.67 EULESS TX 76040 1 11/27/02 21 1786901 05 01/01/03 25 1786901 N 12/01/17 0 8451919 286/286 F 160,000.00 ZZ 180 158,873.32 1 5.750 1,328.66 36 5.500 1,328.66 SAN DIEGO CA 92127 2 12/18/02 00 1792196 05 02/01/03 0 1792196 N 01/01/18 0 8451921 286/286 F 425,000.00 ZZ 180 421,962.32 1 5.875 3,557.76 72 5.625 3,557.76 SCOTTSDALE AZ 85255 2 12/03/02 00 1747538 03 02/01/03 0 1747538 O 01/01/18 0 8451925 286/286 F 62,400.00 ZZ 180 61,996.49 1 6.750 552.19 80 6.500 552.19 ALBUQUERQUE NM 87105 2 12/12/02 00 1847237 05 02/01/03 0 1 1847237 N 01/01/18 0 8451927 286/286 F 216,700.00 ZZ 180 214,523.65 1 6.375 1,872.83 73 6.125 1,872.83 VIRGINIA BEACH VA 23464 2 11/27/02 00 0001247540 05 01/01/03 0 0001247540 O 12/01/17 0 8451929 286/286 F 700,000.00 ZZ 180 692,894.71 1 6.250 6,001.97 50 6.000 6,001.97 RANCHO PALOS VE CA 90275 2 11/21/02 00 1825446 05 01/01/03 0 1825446 O 12/01/17 0 8451931 286/286 F 40,500.00 ZZ 180 40,066.64 1 5.625 333.62 75 5.375 333.62 NEWPORT WA 99156 5 11/22/02 00 1734409 05 01/01/03 0 1734409 N 12/01/17 0 8451937 286/286 F 185,500.00 ZZ 180 184,221.09 3 6.000 1,565.36 28 5.750 1,565.36 ALAMEDA CA 94501 5 12/16/02 00 1783521 05 02/01/03 0 1783521 O 01/01/18 0 8451939 286/286 F 44,000.00 ZZ 180 43,729.79 1 5.875 368.34 80 5.625 368.34 YORKTOWN IN 47396 5 01/09/03 00 1925825 05 03/01/03 0 1925825 N 02/01/18 0 1 8451941 286/286 F 166,500.00 ZZ 180 165,399.98 3 6.500 1,450.40 90 6.250 1,450.40 NEW BEDFORD MA 02740 1 12/20/02 14 1864911 05 02/01/03 25 1864911 N 01/01/18 0 8451943 286/286 F 163,500.00 ZZ 180 162,125.61 1 5.875 1,368.69 89 5.625 1,368.69 YOUNGSVILLE LA 70592 2 12/16/02 11 1651672 05 02/01/03 25 1651672 O 01/01/18 0 8451945 286/286 F 133,600.00 ZZ 180 132,688.64 1 6.125 1,136.44 53 5.875 1,136.44 CORONA CA 92882 2 12/06/02 00 1715573 05 02/01/03 0 1715573 N 01/01/18 0 8451947 286/286 F 245,000.00 ZZ 180 243,398.62 1 6.625 2,151.09 74 6.375 2,151.09 GLENDORA CA 91741 2 12/09/02 00 1837368 05 02/01/03 0 1837368 N 01/01/18 0 8451949 286/286 F 48,750.00 ZZ 180 48,416.81 1 6.125 414.68 75 5.875 414.68 HOUSTON TX 77033 5 12/30/02 00 1849493 05 02/01/03 0 1849493 N 01/01/18 0 8451951 286/286 F 91,100.00 ZZ 180 90,491.65 1 6.375 787.34 75 6.125 787.34 1 VALE OR 97918 5 12/11/02 00 1252804 05 02/01/03 0 1252804 N 01/01/18 0 8451955 286/286 F 252,000.00 ZZ 180 250,096.68 1 6.000 2,126.52 80 5.750 2,126.52 SANTEE CA 92071 5 12/13/02 00 1551612 05 02/01/03 0 1551612 O 01/01/18 0 8451957 286/286 F 195,000.00 ZZ 180 193,037.71 1 6.375 1,685.29 56 6.125 1,685.29 SAN LORENZO CA 94580 2 11/22/02 00 1784648 05 01/01/03 0 1784648 O 12/01/17 0 8451961 286/286 F 300,700.00 ZZ 180 298,604.80 1 5.875 2,517.22 64 5.625 2,517.22 SAN JOSE CA 95131 2 12/17/02 00 1843419 05 02/01/03 0 1843419 O 01/01/18 0 8451963 286/286 F 85,000.00 ZZ 180 84,155.34 1 6.500 740.45 71 6.250 740.45 SACRAMENTO CA 95824 2 11/26/02 00 1786710 05 01/01/03 0 1786710 N 12/01/17 0 8451965 286/286 F 378,700.00 ZZ 180 375,987.30 1 5.625 3,119.48 80 5.375 3,119.48 MURRIETA CA 92562 1 12/17/02 00 1628347 05 02/01/03 0 1628347 O 01/01/18 0 1 8451967 286/286 F 235,000.00 ZZ 180 233,144.71 3 5.750 1,951.47 44 5.500 1,951.47 ALAMEDA CA 94501 5 12/04/02 00 1659690 05 02/01/03 0 1659690 N 01/01/18 0 8451969 286/286 F 205,000.00 ZZ 180 203,525.73 1 5.500 1,675.03 50 5.250 1,675.03 NEWTOWN CT 06470 2 12/06/02 00 1788560 05 02/01/03 0 1788560 O 01/01/18 0 8451971 286/286 F 26,400.00 ZZ 180 26,229.28 1 6.750 233.62 80 6.500 233.62 DANVILLE IL 61832 5 12/11/02 00 1585753 05 02/01/03 0 1585753 N 01/01/18 0 8451973 286/286 F 28,000.00 ZZ 180 27,818.93 1 6.750 247.78 80 6.500 247.78 DANVILLE IL 61832 5 12/11/02 00 1585754 05 02/01/03 0 1585754 N 01/01/18 0 8451977 286/286 F 114,000.00 ZZ 180 112,818.11 1 6.000 962.00 79 5.750 962.00 ANNAPOLIS MD 21403 5 11/25/02 00 1682577 01 01/01/03 0 1682577 O 12/01/17 0 8451979 286/286 F 100,000.00 ZZ 180 98,014.93 1 1 5.500 817.09 57 5.250 817.09 CRESCENT PA 15046 1 11/27/02 00 1766782 01 01/01/03 0 1766782 O 12/01/17 0 8451981 286/286 F 114,000.00 ZZ 180 112,805.59 1 5.875 954.32 63 5.625 954.32 EAST LONGMEADOW MA 01028 2 11/22/02 00 1713606 05 01/01/03 0 1713606 O 12/01/17 0 8451983 286/286 F 59,000.00 ZZ 180 58,401.13 1 6.250 505.88 76 6.000 505.88 FORT WAYNE IN 46815 5 11/27/02 00 1742356 05 01/01/03 0 1742356 N 12/01/17 0 8451985 286/286 F 650,000.00 ZZ 180 643,117.86 1 5.750 5,397.67 42 5.500 5,397.67 NEW CANAAN CT 06840 2 11/13/02 00 1608842 05 01/01/03 0 1608842 O 12/01/17 0 8451987 286/286 F 559,050.00 ZZ 180 553,254.10 1 6.000 4,717.59 74 5.750 4,717.59 ORLANDO FL 32836 5 11/21/02 00 1783925 03 01/01/03 0 1783925 O 12/01/17 0 8451989 286/286 F 180,000.00 ZZ 180 176,887.81 1 6.000 1,518.95 79 5.750 1,518.95 BOCA RATON FL 33486 5 12/05/02 00 1748688 03 02/01/03 0 1 1748688 O 01/01/18 0 8451991 286/286 F 500,000.00 ZZ 180 497,962.32 1 5.875 4,185.60 58 5.625 4,185.60 FAIRFIELD CT 06430 5 01/08/03 00 1750236 05 03/01/03 0 1750236 O 02/01/18 0 8451993 286/286 F 71,250.00 ZZ 180 70,774.22 1 6.375 615.78 75 6.125 615.78 ROUND LAKE IL 60073 5 12/23/02 00 1830596 05 02/01/03 0 1830596 N 01/01/18 0 8451997 286/286 F 125,000.00 ZZ 180 124,165.29 1 6.375 1,080.31 72 6.125 1,080.31 STERLING HEIGHT MI 48310 5 12/05/02 00 1783361 05 02/01/03 0 1783361 N 01/01/18 0 8451999 286/286 F 114,000.00 ZZ 180 112,855.07 1 6.375 985.25 85 6.125 985.25 GREENFIELD IN 46140 5 11/12/02 12 1724888 05 01/01/03 25 1724888 O 12/01/17 0 8452001 286/286 F 328,050.00 ZZ 180 324,540.04 1 5.625 2,702.26 90 5.375 2,702.26 JACKSON TN 38305 5 11/19/02 21 1818332 05 01/01/03 12 1818332 O 12/01/17 0 1 8452003 286/286 F 106,300.00 ZZ 180 105,186.27 1 5.875 889.86 50 5.625 889.86 NEW BRUNSWICK NJ 08901 5 11/21/02 00 1684016 05 01/01/03 0 1684016 N 12/01/17 0 8452005 286/286 F 54,000.00 ZZ 180 23,134.89 1 7.000 485.37 75 6.750 485.37 SCOTTSDALE AZ 85251 1 11/25/02 00 1738652 01 01/01/03 0 1738652 N 12/01/17 0 8452007 286/286 F 600,000.00 ZZ 180 593,647.25 1 5.750 4,982.47 50 5.500 4,982.47 LAFAYETTE CA 94549 2 11/01/02 00 1638530 03 01/01/03 0 1638530 O 12/01/17 0 8452009 286/286 F 361,250.00 ZZ 180 357,465.09 1 5.875 3,024.10 85 5.625 3,024.10 PEORIA AZ 85381 5 11/22/02 12 1757686 05 01/01/03 12 1757686 O 12/01/17 0 8452011 286/286 F 65,000.00 ZZ 180 64,570.56 1 6.500 566.22 65 6.250 566.22 CHARLOTTE NC 28214 2 12/12/02 00 1762367 05 02/01/03 0 1762367 N 01/01/18 0 8452013 286/286 F 194,000.00 ZZ 180 191,811.30 1 6.750 1,716.73 75 6.500 1,716.73 1 POINT PLEASANT NJ 08742 5 11/08/02 00 1615444 05 01/01/03 0 1615444 O 12/01/17 0 8452015 286/286 F 100,000.00 ZZ 180 98,913.00 1 6.000 843.86 75 5.750 843.86 MIRAMAR FL 33023 5 11/22/02 00 1798219 05 01/01/03 0 1798219 O 12/01/17 0 8452017 286/286 F 420,000.00 ZZ 180 415,553.07 1 5.750 3,487.73 63 5.500 3,487.73 MIDDLEBURG CT 06762 2 11/08/02 00 1643382 05 01/01/03 0 1643382 O 12/01/17 0 8452019 286/286 F 130,500.00 ZZ 180 129,032.73 4 5.875 1,092.44 90 5.625 1,092.44 SAN ANTONIO TX 78239 1 11/25/02 11 1715474 05 01/01/03 20 1715474 N 12/01/17 0 8452021 286/286 F 150,000.00 T 180 147,117.32 1 5.875 1,255.68 66 5.625 1,255.68 BOULDER CO 80304 1 11/26/02 00 1780759 01 01/01/03 0 1780759 O 12/01/17 0 8452023 286/286 F 164,800.00 ZZ 180 162,467.90 1 5.750 1,368.52 80 5.500 1,368.52 WAKARUSA KS 66546 5 10/28/02 00 1628199 05 12/01/02 0 1628199 O 11/01/17 0 1 8452025 286/286 F 160,800.00 ZZ 180 159,714.70 2 6.250 1,378.74 80 6.000 1,378.74 JERSEY CITY NJ 07304 2 12/19/02 00 1529825 05 02/01/03 0 1529825 O 01/01/18 0 8452027 286/286 F 500,000.00 ZZ 180 494,470.91 1 5.750 4,152.06 59 5.500 4,152.06 DARIEN CT 06820 2 11/20/02 00 1590770 05 01/01/03 0 1590770 O 12/01/17 0 8452029 286/286 F 150,000.00 ZZ 180 148,803.46 1 5.625 1,235.60 60 5.375 1,235.60 MIAMI FL 33176 5 12/12/02 00 1805342 05 02/01/03 0 1805342 O 01/01/18 0 8452031 286/286 F 96,250.00 ZZ 180 94,943.96 2 6.250 825.27 77 6.000 825.27 ALBUQUERQUE NM 87102 1 11/01/02 00 1727905 05 12/01/02 0 1727905 N 11/01/17 0 8452033 286/286 F 113,750.00 ZZ 180 112,458.20 1 5.875 952.23 47 5.625 952.23 LYNNWOOD WA 98037 5 11/13/02 00 1718452 05 01/01/03 0 1718452 O 12/01/17 0 8452035 286/286 F 43,000.00 ZZ 180 42,572.71 1 1 6.500 374.58 72 6.250 374.58 ELKHART IN 46516 5 11/26/02 00 1766294 05 01/01/03 0 1766294 N 12/01/17 0 8452037 286/286 F 97,750.00 ZZ 180 96,366.73 1 5.750 811.73 67 5.500 811.73 SADLER TX 76264 2 10/30/02 00 1562456 05 12/01/02 0 1562456 O 11/01/17 0 8452039 286/286 F 525,000.00 ZZ 180 517,647.95 1 5.875 4,394.88 48 5.625 4,394.88 PARADISE VALLEY AZ 85253 2 10/16/02 00 1596642 03 12/01/02 0 1596642 O 11/01/17 0 8452041 286/286 F 246,000.00 ZZ 180 244,285.92 1 5.875 2,059.32 62 5.625 2,059.32 ZIONSVILLE IN 46077 2 12/03/02 00 1666317 05 02/01/03 0 1666317 O 01/01/18 0 8452043 286/286 F 50,600.00 ZZ 180 50,189.60 1 5.500 413.45 42 5.250 413.45 DUNKIRK IN 47336 1 12/05/02 00 1768230 05 02/01/03 0 1768230 O 01/01/18 0 8452045 286/286 F 126,000.00 ZZ 180 124,721.03 4 6.250 1,080.36 90 6.000 1,080.36 GLASSBORO NJ 08028 1 11/26/02 11 1654404 05 01/01/03 20 1 1654404 N 12/01/17 0 8452047 286/286 F 28,000.00 ZZ 180 27,818.93 1 6.750 247.78 78 6.500 247.78 DANVILLE IL 61832 5 12/11/02 00 1585752 05 02/01/03 0 1585752 N 01/01/18 0 8452049 286/286 F 206,000.00 ZZ 180 203,892.24 1 6.500 1,794.49 73 6.250 1,794.49 IRVINE CA 92620 5 11/18/02 00 1670746 01 01/01/03 0 1670746 O 12/01/17 0 8452053 286/286 F 89,100.00 ZZ 180 88,233.33 1 6.750 788.46 71 6.500 788.46 OLATHE KS 66061 1 11/15/02 00 1720859 05 01/01/03 0 1720859 O 12/01/17 0 8452057 286/286 F 29,600.00 ZZ 180 29,293.85 1 6.000 249.79 80 5.750 249.79 BRYAN TX 77802 1 12/12/02 00 1835980 05 02/01/03 0 1835980 N 01/01/18 0 8452091 286/286 F 131,700.00 T 180 130,320.14 1 5.875 1,102.49 56 5.625 1,102.49 LOS ANGELES CA 91423 2 11/01/02 00 1651720 01 01/01/03 0 1651720 O 12/01/17 0 1 8452093 286/286 F 140,000.00 ZZ 180 138,533.18 1 5.875 1,171.97 80 5.625 1,171.97 CLEVELAND TN 37323 5 11/08/02 00 1761128 05 01/01/03 0 1761128 O 12/01/17 0 8452095 286/286 F 48,000.00 ZZ 180 47,512.79 1 6.250 411.56 59 6.000 411.56 MESA AZ 85208 2 11/15/02 00 1555906 05 01/01/03 0 1555906 N 12/01/17 0 8452097 286/286 F 850,000.00 ZZ 180 840,905.44 1 5.625 7,001.73 21 5.375 7,001.73 SAN FRANCISCO CA 94115 2 11/12/02 00 1606863 05 01/01/03 0 1606863 O 12/01/17 0 8452101 286/286 F 95,000.00 ZZ 180 93,570.12 1 5.500 776.23 69 5.250 776.23 CLEVES OH 45002 5 11/01/02 00 1600159 05 01/01/03 0 1600159 O 12/01/17 0 8452103 286/286 F 144,000.00 ZZ 180 142,475.32 1 5.750 1,195.80 76 5.500 1,195.80 MIAMI FL 33196 5 11/14/02 00 1757935 05 01/01/03 0 1757935 N 12/01/17 0 8452107 286/286 F 47,000.00 ZZ 180 46,682.78 1 6.250 402.99 67 6.000 402.99 1 HIBBING MN 55746 2 12/26/02 00 1860883 05 02/01/03 0 1860883 N 01/01/18 0 8452109 286/286 F 135,000.00 ZZ 180 134,069.26 1 6.000 1,139.21 72 5.750 1,139.21 PLAINFIELD IL 60544 2 12/02/02 00 1740325 05 02/01/03 0 1740325 N 01/01/18 0 8452111 286/286 F 183,000.00 ZZ 180 181,082.66 4 5.875 1,531.93 60 5.625 1,531.93 LAS VEGAS NV 89109 5 11/20/02 00 1417275 03 01/01/03 0 1417275 N 12/01/17 0 8452113 286/286 F 390,000.00 ZZ 180 382,068.36 1 5.750 3,238.60 60 5.500 3,238.60 ARCADIA CA 91007 2 11/11/02 00 1602659 05 01/01/03 0 1602659 O 12/01/17 0 8452115 286/286 F 106,400.00 ZZ 180 105,273.43 1 5.750 883.56 80 5.500 883.56 ENGLEWOOD CO 80111 2 11/22/02 00 1758228 01 01/01/03 0 1758228 O 12/01/17 0 8452117 286/286 F 85,400.00 ZZ 180 84,542.32 2 6.375 738.07 70 6.125 738.07 NEW HAVEN CT 06513 5 12/02/02 00 1650511 05 01/01/03 0 1650511 N 12/01/17 0 1 8452119 286/286 F 242,000.00 ZZ 180 239,594.64 4 6.500 2,108.08 75 6.250 2,108.08 LOS ANGELES CA 90057 2 11/20/02 00 1656506 05 01/01/03 0 1656506 O 12/01/17 0 8452127 286/286 F 500,000.00 ZZ 180 494,706.03 3 5.750 4,152.06 62 5.500 4,152.06 SAN RAFAEL CA 94901 2 11/04/02 00 1651570 05 01/01/03 0 1651570 O 12/01/17 0 8452129 286/286 F 560,000.00 ZZ 180 554,194.27 1 6.000 4,725.60 62 5.750 4,725.60 WESTON CT 06883 5 11/27/02 00 1675408 05 01/01/03 0 1675408 O 12/01/17 0 8452131 286/286 F 52,000.00 ZZ 180 51,443.60 4 5.625 428.35 80 5.375 428.35 CORPUS CHRISTI TX 78416 1 11/18/02 00 1757619 05 01/01/03 0 1757619 N 12/01/17 0 8452135 286/286 F 160,000.00 ZZ 180 158,341.19 1 6.000 1,350.18 50 5.750 1,350.18 PARSSIPANY NJ 07054 5 11/27/02 00 1738944 05 01/01/03 0 1738944 O 12/01/17 0 8452137 286/286 F 100,000.00 ZZ 180 99,280.84 1 1 5.500 817.09 56 5.250 817.09 WHITTIER CA 90606 5 12/04/02 00 1732527 05 02/01/03 0 1732527 N 01/01/18 0 8452139 286/286 F 168,000.00 ZZ 180 166,239.83 1 5.875 1,406.36 77 5.625 1,406.36 LOS ANGELES CA 90023 2 11/18/02 00 1720199 05 01/01/03 0 1720199 O 12/01/17 0 8452141 286/286 F 166,000.00 ZZ 180 164,315.01 1 6.250 1,423.33 74 6.000 1,423.33 MIAMI LAKES FL 33018 2 11/22/02 00 1802940 05 01/01/03 0 1802940 O 12/01/17 0 8452143 286/286 F 90,500.00 ZZ 180 89,784.40 1 5.875 757.60 62 5.625 757.60 HILO HI 96720 5 12/04/02 00 1783566 05 02/01/03 0 1783566 O 01/01/18 0 8452147 286/286 F 109,300.00 ZZ 180 108,142.74 1 5.750 907.64 63 5.500 907.64 CARROLLTON TX 75007 2 11/20/02 00 1645480 05 01/01/03 0 1645480 O 12/01/17 0 8452149 286/286 F 292,000.00 ZZ 180 288,875.75 1 5.625 2,405.30 34 5.375 2,405.30 GREENWICH CT 06830 2 11/25/02 00 1608638 05 01/01/03 0 1 1608638 O 12/01/17 0 8452151 286/286 F 74,000.00 ZZ 180 73,248.86 1 6.250 634.50 69 6.000 634.50 HIXSON TN 37343 5 11/22/02 00 1715171 05 01/01/03 0 1715171 O 12/01/17 0 8452153 286/286 F 299,000.00 ZZ 180 295,867.30 1 5.875 2,502.99 37 5.625 2,502.99 LOS GATOS CA 95032 2 11/14/02 00 1689129 05 01/01/03 0 1689129 N 12/01/17 0 8452155 286/286 F 299,000.00 ZZ 180 295,867.30 1 5.875 2,502.99 36 5.625 2,502.99 SAN JOSE CA 95126 2 11/14/02 00 1695561 05 01/01/03 0 1695561 N 12/01/17 0 8452157 286/286 F 86,250.00 ZZ 180 85,655.36 1 6.000 727.83 75 5.750 727.83 WASHINGTON DC 20002 1 12/12/02 00 1785559 01 02/01/03 0 1785559 N 01/01/18 0 8452159 286/286 F 200,000.00 ZZ 180 198,606.45 1 5.875 1,674.24 80 5.625 1,674.24 KANSAS CITY MO 64112 1 12/16/02 00 1825934 01 02/01/03 0 1825934 O 01/01/18 0 1 8452161 286/286 F 175,500.00 ZZ 180 173,114.42 3 6.250 1,504.78 90 6.000 1,504.78 PROVIDENCE RI 02909 5 11/19/02 12 1795965 05 01/01/03 25 1795965 O 12/01/17 0 8452163 286/286 F 100,000.00 ZZ 180 98,952.27 1 5.875 837.12 80 5.625 837.12 ORLANDO FL 32806 5 11/22/02 00 1713631 05 01/01/03 0 1713631 O 12/01/17 0 8452165 286/286 F 600,000.00 ZZ 180 593,844.94 1 6.125 5,103.75 29 5.875 5,103.75 HILLSBOROUGH CA 94010 5 11/20/02 00 1664369 05 01/01/03 0 1664369 O 12/01/17 0 8452169 286/286 F 184,000.00 ZZ 180 182,072.19 1 5.875 1,540.30 80 5.625 1,540.30 CARTERET NJ 07008 1 11/21/02 00 1752128 05 01/01/03 0 1752128 O 12/01/17 0 8452171 286/286 F 230,000.00 ZZ 180 227,640.55 1 6.125 1,956.44 80 5.875 1,956.44 WEYMOUTH MA 02188 5 11/22/02 00 1668689 05 01/01/03 0 1668689 O 12/01/17 0 8452173 286/286 F 137,230.00 ZZ 180 135,792.21 1 5.875 1,148.78 75 5.625 1,148.78 1 HOLLYWOOD FL 33021 2 11/07/02 00 1614747 05 01/01/03 0 1614747 O 12/01/17 0 8452177 286/286 F 175,000.00 ZZ 180 173,242.44 2 6.375 1,512.44 59 6.125 1,512.44 VALLEY STREAM NY 11580 2 11/15/02 00 1655184 05 01/01/03 0 1655184 O 12/01/17 0 8452179 286/286 F 325,000.00 ZZ 180 320,950.96 1 6.000 2,742.54 41 5.750 2,742.54 ORINDA CA 94563 2 11/01/02 00 1624670 05 01/01/03 0 1624670 O 12/01/17 0 8452181 286/286 F 103,200.00 ZZ 180 102,107.31 1 5.750 856.99 80 5.500 856.99 NOBLESVILLE IN 46060 2 11/22/02 00 1626202 05 01/01/03 0 1626202 O 12/01/17 0 8452183 286/286 F 122,000.00 ZZ 180 121,149.93 1 5.875 1,021.29 80 5.625 1,021.29 LEAGUE CITY TX 77573 2 12/06/02 00 1736559 05 02/01/03 0 1736559 N 01/01/18 0 8452185 286/286 F 116,000.00 ZZ 180 114,847.30 1 6.500 1,010.49 65 6.250 1,010.49 FERNDALE MI 48220 5 11/26/02 00 1791445 05 01/01/03 0 1791445 N 12/01/17 0 1 8452187 286/286 F 975,000.00 ZZ 180 964,784.74 1 5.875 8,161.91 59 5.625 8,161.91 DARIEN CT 06820 2 11/11/02 00 1618396 05 01/01/03 0 1618396 O 12/01/17 0 8452189 286/286 F 87,000.00 ZZ 180 85,855.20 1 5.875 728.30 72 5.625 728.30 PROVIDENCE RI 02905 2 11/26/02 00 1470735 05 01/01/03 0 1470735 N 12/01/17 0 8452191 286/286 F 80,000.00 ZZ 180 78,947.32 1 5.875 669.70 80 5.625 669.70 PROVIDENCE RI 02905 2 11/26/02 00 1470745 05 01/01/03 0 1470745 N 12/01/17 0 8452193 286/286 F 71,000.00 ZZ 180 70,065.73 1 5.875 594.36 65 5.625 594.36 CRANSTON RI 02905 2 11/26/02 00 1470756 05 01/01/03 0 1470756 N 12/01/17 0 8452195 286/286 F 80,500.00 ZZ 180 79,440.72 1 5.875 673.89 69 5.625 673.89 PROVIDENCE RI 02908 5 11/27/02 00 1473619 05 01/01/03 0 1473619 N 12/01/17 0 8452197 286/286 F 291,200.00 ZZ 180 289,192.35 3 1 6.000 2,457.32 49 5.750 2,457.32 WEEHAWKEN NJ 07086 5 12/09/02 00 1736342 05 02/01/03 0 1736342 O 01/01/18 0 8452199 286/286 F 140,000.00 ZZ 180 138,517.68 1 5.750 1,162.58 61 5.500 1,162.58 COCONUT CREEK FL 33073 5 11/06/02 00 1742272 03 01/01/03 0 1742272 O 12/01/17 0 8452201 286/286 F 75,500.00 ZZ 180 74,716.52 1 6.500 657.69 71 6.250 657.69 ORLANDO FL 32825 2 11/14/02 00 1650654 05 01/01/03 0 1650654 N 12/01/17 0 8452203 286/286 F 478,000.00 ZZ 180 473,350.58 1 6.750 4,229.87 80 6.500 4,229.87 MONTVILLE NJ 07045 2 11/15/02 00 1684347 05 01/01/03 0 1684347 O 12/01/17 0 8452205 286/286 F 105,000.00 ZZ 180 103,598.41 1 5.875 878.98 57 5.625 878.98 HIGHLAND NY 12528 5 11/22/02 00 1637439 05 01/01/03 0 1637439 O 12/01/17 0 8452207 286/286 F 77,300.00 ZZ 180 76,490.09 1 5.875 647.10 80 5.625 647.10 NORCROSS GA 30093 1 11/27/02 00 1836273 05 01/01/03 0 1 1836273 N 12/01/17 0 8452209 286/286 F 77,300.00 ZZ 180 76,490.09 1 5.875 647.10 80 5.625 647.10 NORCROSS GA 30093 1 11/27/02 00 1836276 05 01/01/03 0 1836276 N 12/01/17 0 8452213 286/286 F 77,300.00 ZZ 180 76,490.09 1 5.875 647.10 80 5.625 647.10 NORCROSS GA 30093 1 11/27/02 00 1836279 03 01/01/03 0 1836279 N 12/01/17 0 8452215 286/286 F 225,000.00 ZZ 180 223,415.61 3 5.750 1,868.43 38 5.500 1,868.43 PROVIDENCE RI 02906 5 12/19/02 00 345694 05 02/01/03 0 345694 O 01/01/18 0 8452217 286/286 F 200,000.00 ZZ 180 197,969.92 1 6.250 1,714.85 62 6.000 1,714.85 OAKLAND CA 94605 5 11/19/02 00 1750223 05 01/01/03 0 1750223 O 12/01/17 0 8452219 286/286 F 459,000.00 ZZ 180 454,438.96 1 6.500 3,998.39 85 6.250 3,998.39 KENTES NY 12531 5 11/27/02 14 1830978 05 01/01/03 12 1830978 O 12/01/17 0 1 8452221 286/286 F 170,000.00 ZZ 180 167,211.60 1 5.500 1,389.05 62 5.250 1,389.05 JENSEN BEACH FL 34957 5 11/11/02 00 1635110 05 01/01/03 0 1635110 O 12/01/17 0 8452223 286/286 F 157,600.00 ZZ 180 155,966.10 1 6.000 1,329.92 76 5.750 1,329.92 AURORA IL 60504 2 11/07/02 00 1530581 05 01/01/03 0 1530581 O 12/01/17 0 8452225 286/286 F 363,000.00 ZZ 180 357,863.18 1 5.750 3,014.39 66 5.500 3,014.39 ST CHARLES IL 60175 2 10/29/02 00 1634582 05 12/01/02 0 1634582 O 11/01/17 0 8452227 286/286 F 93,700.00 ZZ 180 93,047.11 1 5.875 784.39 38 5.625 784.39 STOW OH 44224 5 12/09/02 00 1736204 05 02/01/03 0 1736204 O 01/01/18 0 8452229 286/286 F 146,000.00 ZZ 180 144,982.70 1 5.875 1,222.20 48 5.625 1,222.20 SPRINGFIELD VA 22151 2 12/11/02 00 1840990 05 02/01/03 0 1840990 N 01/01/18 0 8452231 286/286 F 48,000.00 ZZ 180 47,664.56 1 5.875 401.82 80 5.625 401.82 1 HAMPTON VA 23666 5 12/13/02 00 1690144 01 02/01/03 0 1690144 N 01/01/18 0 8452233 286/286 F 52,000.00 ZZ 180 51,633.69 2 6.500 452.98 65 6.250 452.98 ST PETERSBURG FL 33710 5 12/16/02 00 1787354 05 02/01/03 0 1787354 N 01/01/18 0 8452235 286/286 F 60,000.00 ZZ 180 59,364.72 1 5.750 498.25 30 5.500 498.25 MIAMI FL 33183 1 11/13/02 00 1385632 03 01/01/03 0 1385632 O 12/01/17 0 8452239 286/286 F 72,500.00 T 180 71,748.35 1 6.000 611.80 70 5.750 611.80 MIAMI BEACH FL 33140 5 11/07/02 00 1716282 01 01/01/03 0 1716282 O 12/01/17 0 8452241 286/286 F 615,000.00 ZZ 180 608,556.53 1 5.875 5,148.28 65 5.625 5,148.28 SUISUN CITY CA 94585 2 11/07/02 00 1591201 05 01/01/03 0 1591201 O 12/01/17 0 8452243 286/286 F 500,000.00 ZZ 180 495,136.59 1 6.750 4,424.55 83 6.500 4,424.55 MOUNT SINAI NY 11766 1 11/26/02 14 1566643 05 01/01/03 25 1566643 O 12/01/17 0 1 8452331 286/286 F 525,000.00 ZZ 180 519,499.45 1 5.875 4,394.88 73 5.625 4,394.88 DEL MAR CA 92014 5 11/15/02 00 1657211 05 01/01/03 0 1657211 O 12/01/17 0 8452751 E82/G02 F 64,300.00 ZZ 180 64,300.00 1 5.875 538.27 62 5.625 538.27 LAKE VILLA IL 60046 2 02/14/03 00 0400763637 05 04/01/03 0 1901844 N 03/01/18 0 8452755 E82/G02 F 82,700.00 ZZ 180 82,700.00 1 5.750 686.75 79 5.500 686.75 LA VERNE CA 91750 2 02/13/03 00 0400775326 01 04/01/03 0 7071653 N 03/01/18 0 8452759 E82/G02 F 57,250.00 ZZ 180 57,250.00 1 5.625 471.59 51 5.375 471.59 DETROIT MI 48219 2 02/13/03 00 0400783312 05 04/01/03 0 3210030 O 03/01/18 0 8452773 E82/G02 F 75,800.00 ZZ 180 75,800.00 1 5.625 624.39 83 5.375 624.39 EAGLE PASS TX 78852 2 02/12/03 04 0400776209 05 04/01/03 6 2938277 O 03/01/18 0 8452777 E82/G02 F 46,200.00 ZZ 180 46,200.00 1 1 6.750 408.83 70 6.500 408.83 29 PALMS CA 92277 5 02/12/03 00 0400789525 05 04/01/03 0 0400789525 N 03/01/18 0 8452779 E82/G02 F 67,500.00 ZZ 180 67,500.00 1 5.750 560.53 82 5.500 560.53 EL PASO TX 79935 2 02/14/03 04 0400780011 05 04/01/03 12 0400780011 N 03/01/18 0 8452931 E22/G02 F 223,000.00 ZZ 180 223,000.00 1 6.000 1,881.80 56 5.750 1,881.80 HACKETTSTOWN NJ 07840 5 02/13/03 00 0415846666 05 04/01/03 0 0415846666 O 03/01/18 0 8452995 E22/G02 F 165,000.00 ZZ 180 165,000.00 1 5.500 1,348.19 71 5.250 1,348.19 SPARKS NV 89436 2 02/11/03 00 0415991694 03 04/01/03 0 0415991694 O 03/01/18 0 8453005 E22/G02 F 94,320.00 ZZ 180 94,320.00 1 6.125 802.31 80 5.875 802.31 DES MOINES IA 50322 1 02/19/03 00 0415997659 05 04/01/03 0 0415997659 N 03/01/18 0 8453013 E22/G02 F 106,000.00 ZZ 180 106,000.00 1 5.625 873.16 44 5.375 873.16 VALINDA CA 91744 2 02/07/03 00 0416002103 05 04/01/03 0 1 0416002103 N 03/01/18 0 8453031 E22/G02 F 76,000.00 ZZ 180 76,000.00 1 6.250 651.64 32 6.000 651.64 DALLAS TX 75252 5 02/13/03 00 0416013555 03 04/01/03 0 0416013555 O 03/01/18 0 8453045 E22/G02 F 176,000.00 ZZ 180 176,000.00 1 5.625 1,449.77 80 5.375 1,449.77 SCOTTSDALE AZ 85251 2 02/06/03 00 0416085512 03 04/01/03 0 0416085512 O 03/01/18 0 8453097 E22/G02 F 193,000.00 ZZ 180 193,000.00 1 5.625 1,589.80 53 5.375 1,589.80 DALLAS TX 75209 2 02/11/03 00 0416043412 05 04/01/03 0 0416043412 O 03/01/18 0 8453109 E22/G02 F 148,000.00 ZZ 180 148,000.00 1 5.375 1,199.49 80 5.125 1,199.49 ETOWAH NC 28729 5 02/13/03 00 0416063402 05 04/01/03 0 0416063402 O 03/01/18 0 8453117 E22/G02 F 90,900.00 ZZ 180 90,900.00 1 6.250 779.40 90 6.000 779.40 LEWISVILLE TX 75067 2 02/12/03 04 0416443637 05 04/01/03 25 0416113637 O 03/01/18 0 1 8453125 E22/G02 F 33,750.00 ZZ 180 33,750.00 1 6.375 291.68 75 6.125 291.68 INMAN SC 29349 5 02/18/03 00 0416129724 05 04/01/03 0 0416129724 N 03/01/18 0 8453149 E22/G02 F 88,000.00 ZZ 180 88,000.00 1 6.250 754.53 80 6.000 754.53 HOUSTON TX 77080 5 02/13/03 00 0416148880 05 04/01/03 0 0416148880 O 03/01/18 0 8453161 E22/G02 F 208,000.00 ZZ 180 208,000.00 1 5.750 1,727.25 90 5.500 1,727.25 STAFFORD SPRING CT 06076 5 02/13/03 10 0416170777 05 04/01/03 25 0416170777 O 03/01/18 0 8453459 W68/G02 F 44,500.00 T 180 44,348.61 1 6.125 378.53 66 5.875 378.53 SAN ANTONIO TX 78210 2 01/29/03 00 0435429014 05 03/01/03 0 35502 O 02/01/18 0 8453823 E82/G02 F 48,700.00 ZZ 180 48,700.00 1 5.375 394.70 27 5.125 394.70 SAN DIMAS CA 91773 2 02/08/03 00 0400783890 05 04/01/03 0 1756617 O 03/01/18 0 8454143 W68/G02 F 170,000.00 ZZ 180 169,427.80 1 6.250 1,457.62 80 6.000 1,457.62 1 ROWLETT TX 75088 5 01/15/03 00 0435443304 05 03/01/03 0 34189 O 02/01/18 0 8454491 X67/G02 F 180,000.00 ZZ 180 179,381.06 1 6.000 1,518.94 64 5.750 1,518.94 NORTH HILLS ARE CA 91343 5 01/28/03 00 0435420823 05 03/01/03 0 00283087 O 02/01/18 0 8454589 S11/G02 F 360,000.00 ZZ 180 360,000.00 1 5.625 2,965.43 80 5.375 2,965.43 DIAMOND BAR CA 91765 5 01/31/03 00 0435430178 05 04/01/03 0 10300121 O 03/01/18 0 8454661 U05/G02 F 35,000.00 ZZ 180 35,000.00 3 6.625 307.30 70 6.375 307.30 ALLENTOWN PA 18102 1 02/13/03 00 0435450200 07 04/01/03 0 3301917 N 03/01/18 0 8454731 N74/G02 F 54,000.00 ZZ 180 54,000.00 1 5.625 444.82 43 5.375 444.82 SAINT LOUIS MO 63138 5 02/11/03 00 0435418603 05 04/01/03 0 0031707010 O 03/01/18 0 8454813 X51/G02 F 154,000.00 ZZ 180 154,000.00 1 5.375 1,248.12 31 5.125 1,248.12 ANAHEIM CA 92807 5 02/11/03 00 0435418504 03 04/01/03 0 030113016 O 03/01/18 0 1 8456587 737/G02 F 145,000.00 ZZ 180 145,000.00 1 5.500 1,184.77 38 5.250 1,184.77 WARREN TOWNSHIP NJ 07059 2 02/04/03 00 0435431291 05 04/01/03 0 2100638 O 03/01/18 0 8456595 W35/G02 F 81,000.00 ZZ 180 81,000.00 1 5.375 656.48 67 5.125 656.48 INTERLACHEN FL 32148 5 02/14/03 00 0435419866 05 04/01/03 0 17689 O 03/01/18 0 8456733 P09/G02 F 138,000.00 ZZ 180 138,000.00 1 5.500 1,127.58 22 5.250 1,127.58 NORWALK CT 06853 2 02/14/03 00 0435422936 05 04/01/03 0 02120215 O 03/01/18 0 8456739 825/G02 F 105,000.00 ZZ 180 105,000.00 2 5.875 878.97 39 5.625 878.97 TRACY CA 95376 2 02/14/03 00 0435423322 05 04/01/03 0 50881 N 03/01/18 0 8456849 964/G02 F 309,000.00 ZZ 180 309,000.00 1 5.375 2,504.34 38 5.125 2,504.34 LAGUNA HILLS CA 92653 2 02/05/03 00 0435442504 03 04/01/03 0 307501 O 03/01/18 0 8456861 964/G02 F 365,000.00 ZZ 180 363,704.32 1 1 5.625 3,006.62 45 5.375 3,006.62 SAN JOSE CA 95129 2 01/13/03 00 0435442991 05 03/01/03 0 313241 O 02/01/18 0 8456863 964/G02 F 75,100.00 ZZ 180 75,100.00 1 6.250 643.93 24 6.000 643.93 FULLERTON CA 92831 2 01/31/03 00 0435443650 05 04/01/03 0 315385 N 03/01/18 0 8456865 964/G02 F 227,000.00 ZZ 180 227,000.00 1 5.375 1,839.76 52 5.125 1,839.76 SAN JOSE CA 95123 2 02/05/03 00 0435444674 05 04/01/03 0 316620 O 03/01/18 0 8456867 964/G02 F 220,000.00 ZZ 180 220,000.00 1 5.875 1,841.66 26 5.625 1,841.66 SUNNYVALE CA 94087 2 01/30/03 00 0435442298 05 04/01/03 0 316941 O 03/01/18 0 8456869 964/G02 F 234,000.00 ZZ 180 234,000.00 1 5.250 1,881.07 51 5.000 1,881.07 SAN RAFAEL CA 94901 2 01/30/03 00 0435443122 03 04/01/03 0 317534 O 03/01/18 0 8456891 964/G02 F 322,700.00 ZZ 180 322,700.00 1 5.500 2,636.73 54 5.250 2,636.73 WOODLAND HILLS CA 91364 2 02/05/03 00 0435442686 05 04/01/03 0 1 317790 O 03/01/18 0 8456903 964/G02 F 117,000.00 ZZ 180 117,000.00 1 6.000 987.31 90 5.750 987.31 EDINBURG TX 78539 2 02/05/03 11 0435434865 05 04/01/03 25 335054 O 03/01/18 0 8456919 964/G02 F 160,000.00 ZZ 180 159,413.79 1 5.250 1,286.21 30 5.000 1,286.21 TORRANCE CA 90505 2 01/28/03 00 0435438585 05 03/01/03 0 321832 O 02/01/18 0 8456931 964/G02 F 100,000.00 ZZ 180 100,000.00 1 5.375 810.47 17 5.125 810.47 SAN FRANCISCO CA 94134 5 02/04/03 00 0435442322 05 04/01/03 0 324690 O 03/01/18 0 8456933 964/G02 F 322,700.00 ZZ 180 322,700.00 1 5.375 2,615.38 60 5.125 2,615.38 LAS VEGAS NV 89117 2 02/06/03 00 0435443577 03 04/01/03 0 324816 O 03/01/18 0 8456947 964/G02 F 80,000.00 ZZ 180 80,000.00 1 5.500 653.67 46 5.250 653.67 WOODBRIDGE CA 95258 5 02/03/03 00 0435439765 05 04/01/03 0 326573 O 03/01/18 0 1 8456955 964/G02 F 215,000.00 ZZ 180 214,220.52 1 5.375 1,742.50 38 5.125 1,742.50 SAN FRANCISCO CA 94122 2 01/24/03 00 0435436506 05 03/01/03 0 327722 O 02/01/18 0 8456957 964/G02 F 145,000.00 ZZ 180 144,490.69 1 5.750 1,204.10 21 5.500 1,204.10 CUPERTINO CA 95014 2 01/21/03 00 0435441316 05 03/01/03 0 327911 O 02/01/18 0 8456977 964/G02 F 110,000.00 ZZ 180 110,000.00 1 4.875 862.73 25 4.625 862.73 SAN FRANCISCO CA 94110 2 01/30/03 00 0435442256 05 04/01/03 0 328855 O 03/01/18 0 8456981 964/G02 F 300,000.00 ZZ 180 300,000.00 1 5.625 2,471.20 58 5.375 2,471.20 NORTHRIDGE (ARE CA 91326 5 02/03/03 00 0435440748 05 04/01/03 0 329509 O 03/01/18 0 8456985 964/G02 F 290,000.00 ZZ 180 290,000.00 1 5.375 2,350.35 34 5.125 2,350.35 DANVILLE CA 94506 2 02/04/03 00 0435441936 03 04/01/03 0 329798 O 03/01/18 0 8456991 964/G02 F 222,000.00 ZZ 180 222,000.00 1 5.250 1,784.61 46 5.000 1,784.61 1 SAN FRANCISCO CA 94112 2 01/30/03 00 0435440953 05 04/01/03 0 329834 O 03/01/18 0 8456993 964/G02 F 290,000.00 ZZ 180 290,000.00 1 5.750 2,408.19 27 5.500 2,408.19 ROLLING HILLS E CA 90274 2 02/04/03 00 0435440102 03 04/01/03 0 330149 O 03/01/18 0 8456995 964/G02 F 169,450.00 ZZ 180 169,450.00 1 5.250 1,362.17 76 5.000 1,362.17 HESPERIA CA 92345 2 02/07/03 00 0435440896 05 04/01/03 0 330198 O 03/01/18 0 8457001 964/G02 F 250,000.00 ZZ 180 250,000.00 1 4.875 1,960.75 60 4.625 1,960.75 ALAMEDA CA 94501 2 02/05/03 00 0435443601 05 04/01/03 0 330470 O 03/01/18 0 8457003 964/G02 F 296,000.00 ZZ 180 296,000.00 1 5.625 2,438.25 57 5.375 2,438.25 STEVENSON RANCH CA 91381 2 01/29/03 00 0435441191 03 04/01/03 0 330500 O 03/01/18 0 8457023 964/G02 F 185,000.00 ZZ 180 185,000.00 1 5.375 1,499.36 33 5.125 1,499.36 SAN JOSE CA 95123 2 02/06/03 00 0435438825 03 04/01/03 0 332788 O 03/01/18 0 1 8457025 964/G02 F 291,000.00 ZZ 180 291,000.00 1 5.250 2,339.29 52 5.000 2,339.29 FREMONT CA 94539 2 02/06/03 00 0435441282 05 04/01/03 0 332885 O 03/01/18 0 8457027 964/G02 F 336,000.00 ZZ 180 336,000.00 2 5.500 2,745.40 56 5.250 2,745.40 SAN FRANCISCO CA 94122 2 02/05/03 00 0435443213 05 04/01/03 0 332894 O 03/01/18 0 8457031 964/G02 F 210,000.00 ZZ 180 210,000.00 1 5.625 1,729.84 52 5.375 1,729.84 FREMONT CA 94536 5 01/30/03 00 0435441381 05 04/01/03 0 332896 O 03/01/18 0 8457035 964/G02 F 180,000.00 ZZ 180 180,000.00 1 5.500 1,470.75 33 5.250 1,470.75 SAN FRANCISCO CA 94112 2 02/04/03 00 0435439799 05 04/01/03 0 332946 O 03/01/18 0 8457039 964/G02 F 184,000.00 ZZ 180 184,000.00 1 5.375 1,491.26 50 5.125 1,491.26 SALT LAKE CITY UT 84109 2 02/06/03 00 0435439112 05 04/01/03 0 333165 O 03/01/18 0 8457043 964/G02 F 253,000.00 ZZ 180 253,000.00 1 1 5.000 2,000.71 75 4.750 2,000.71 BELLEVUE WA 98005 2 02/06/03 00 0435443056 05 04/01/03 0 333844 O 03/01/18 0 8457049 964/G02 F 528,000.00 ZZ 180 528,000.00 1 5.625 4,349.30 80 5.375 4,349.30 AURORA CO 80016 2 02/05/03 00 0435437819 05 04/01/03 0 335996 O 03/01/18 0 8457051 Q73/G02 F 181,000.00 ZZ 180 180,343.79 1 5.375 1,466.94 76 5.125 1,466.94 HAMILTON MS 39746 2 01/29/03 00 0435425947 05 03/01/03 0 3013861 O 02/01/18 0 8457081 964/G02 F 240,000.00 ZZ 180 240,000.00 1 5.375 1,945.12 42 5.125 1,945.12 SAN FRANCISCO CA 94112 5 02/04/03 00 0435444369 05 04/01/03 0 340175 O 03/01/18 0 8457099 964/G02 F 149,000.00 ZZ 180 149,000.00 1 6.000 1,257.35 69 5.750 1,257.35 FEDERAL HEIGHTS CO 80260 2 02/11/03 00 0435438403 03 04/01/03 0 343744 N 03/01/18 0 8457105 964/G02 F 220,000.00 ZZ 180 220,000.00 1 5.125 1,754.11 59 4.875 1,754.11 SAN LEANDRO CA 94578 1 02/03/03 00 0435442678 05 04/01/03 0 1 345451 O 03/01/18 0 8458173 E82/G02 F 104,300.00 ZZ 180 104,300.00 1 5.625 859.15 37 5.375 859.15 LOS ANGELES CA 91607 2 02/12/03 00 0400784393 01 04/01/03 0 1729486 O 03/01/18 0 8458179 E82/G02 F 65,250.00 ZZ 180 65,250.00 1 5.625 537.48 30 5.375 537.48 RANCHOS DE TAOS NM 87557 2 02/18/03 00 0400776985 05 04/01/03 0 1833371 O 03/01/18 0 8458185 E82/G02 F 136,000.00 ZZ 180 136,000.00 1 5.750 1,129.36 76 5.500 1,129.36 CHAPEL HILL TN 37034 5 02/14/03 00 0400783734 05 04/01/03 0 0400783734 O 03/01/18 0 8458205 E82/G02 F 94,900.00 ZZ 180 94,900.00 1 5.875 794.43 38 5.625 794.43 LOS ANGELES CA 90043 2 02/13/03 00 0400771077 05 04/01/03 0 0400771077 N 03/01/18 0 8458227 E82/G02 F 144,500.00 ZZ 180 144,500.00 1 5.750 1,199.94 75 5.500 1,199.94 PEMBROKE PINES FL 33029 2 02/19/03 00 0400784229 03 04/01/03 0 2796103 O 03/01/18 0 1 8458229 E82/G02 F 44,950.00 ZZ 180 44,950.00 1 6.250 385.41 45 6.000 385.41 AUSTIN TX 78724 2 02/21/03 00 0400756441 05 04/01/03 0 1859515 N 03/01/18 0 8458257 E82/G02 F 79,900.00 ZZ 180 79,900.00 1 5.625 658.16 54 5.375 658.16 CRYSTAL LAKE IL 60014 2 02/14/03 00 0400774428 05 04/01/03 0 3226716 O 03/01/18 0 8458261 E82/G02 F 79,900.00 ZZ 180 79,900.00 1 5.375 647.56 44 5.125 647.56 DEARBORN HEIGHT MI 48127 2 02/19/03 00 0400783445 05 04/01/03 0 0400783445 O 03/01/18 0 8458263 E82/G02 F 77,600.00 ZZ 180 77,600.00 1 6.375 670.66 58 6.125 670.66 BOROUGH OF FAIR NJ 07410 2 02/14/03 00 0400762308 01 04/01/03 0 0400762308 N 03/01/18 0 8458265 E82/G02 F 111,000.00 ZZ 180 111,000.00 1 5.500 906.96 60 5.250 906.96 NEWPORT NEWS VA 23602 2 02/19/03 00 0400775193 05 04/01/03 0 1913748 O 03/01/18 0 8458325 E82/G02 F 76,000.00 ZZ 180 76,000.00 1 5.625 626.04 80 5.375 626.04 1 ALBUQUERQUE NM 87114 5 02/18/03 00 0400773909 01 04/01/03 0 0400773909 O 03/01/18 0 8458331 E82/G02 F 57,000.00 ZZ 180 57,000.00 2 6.125 484.86 36 5.875 484.86 ADDISON TX 75248 2 02/21/03 00 0400762076 05 04/01/03 0 0400762076 N 03/01/18 0 8458335 E82/G02 F 58,400.00 ZZ 180 58,400.00 1 5.625 481.06 78 5.375 481.06 LINCOLN NE 68502 2 02/14/03 00 0400779823 05 04/01/03 0 1954367 O 03/01/18 0 8458351 E82/G02 F 47,800.00 ZZ 180 47,800.00 1 6.125 406.60 46 5.875 406.60 ROUND LAKE PARK IL 60073 2 02/19/03 00 0400742029 05 04/01/03 0 1513430 N 03/01/18 0 8458359 E82/G02 F 72,700.00 ZZ 180 72,700.00 1 5.500 594.02 42 5.250 594.02 GREGORY MI 48137 2 02/14/03 00 0400781530 05 04/01/03 0 1731585 O 03/01/18 0 8458953 E22/G02 F 50,400.00 ZZ 180 50,400.00 1 6.125 428.71 80 5.875 428.71 SAN ANTONIO TX 78217 5 02/14/03 00 0415279769 05 04/01/03 0 0415279769 O 03/01/18 0 1 8459003 E22/G02 F 259,200.00 ZZ 180 259,200.00 1 5.750 2,152.42 80 5.500 2,152.42 PLANO TX 75093 5 02/12/03 00 0415793744 05 04/01/03 0 0415793744 O 03/01/18 0 8459019 E22/G02 F 97,000.00 ZZ 180 97,000.00 1 5.875 812.00 49 5.625 812.00 SULPHUR OK 73086 5 02/13/03 00 0415825975 05 04/01/03 0 0415825975 O 03/01/18 0 8459075 E22/G02 F 140,000.00 ZZ 180 140,000.00 1 5.500 1,143.92 53 5.250 1,143.92 RICHARDSON TX 75080 5 02/14/03 00 0415910892 03 04/01/03 0 0415910892 O 03/01/18 0 8459123 E22/G02 F 105,000.00 ZZ 180 105,000.00 1 5.625 864.92 76 5.375 864.92 CARLYLE IL 62231 5 02/14/03 00 0415940386 05 04/01/03 0 0415940386 O 03/01/18 0 8459143 E22/G02 F 133,500.00 ZZ 180 133,500.00 1 5.375 1,081.97 61 5.125 1,081.97 EAST AMWELL TWP NJ 08551 2 02/14/03 00 0415946672 05 04/01/03 0 0415946672 O 03/01/18 0 8459183 E22/G02 F 170,000.00 ZZ 180 170,000.00 1 1 6.250 1,457.62 80 6.000 1,457.62 SOUTHLAKE TX 76092 5 02/14/03 00 0415979301 05 04/01/03 0 0415979301 O 03/01/18 0 8459323 E22/G02 F 186,000.00 ZZ 180 186,000.00 1 5.375 1,507.47 54 5.125 1,507.47 ALEXANDRIA VA 22312 5 02/13/03 00 0416021954 05 04/01/03 0 0416021954 O 03/01/18 0 8459383 E22/G02 F 600,000.00 ZZ 180 600,000.00 1 5.625 4,942.39 70 5.375 4,942.39 WEST BLOOMFIELD MI 48322 2 02/14/03 00 0416041242 29 04/01/03 0 0416041242 O 03/01/18 0 8459481 E22/G02 F 206,000.00 ZZ 180 206,000.00 1 5.500 1,683.19 33 5.250 1,683.19 SAN FRANCISCO CA 94122 2 02/12/03 00 0416067452 07 04/01/03 0 0416067452 O 03/01/18 0 8459513 E22/G02 F 141,000.00 ZZ 180 141,000.00 1 5.625 1,161.46 66 5.375 1,161.46 GLENVIEW IL 60025 2 02/14/03 00 0416092021 01 04/01/03 0 0416092021 O 03/01/18 0 8459529 E22/G02 F 93,750.00 ZZ 180 93,750.00 1 5.750 778.51 75 5.500 778.51 LAWRENCEBURG KY 40342 5 02/14/03 00 0416094076 05 04/01/03 0 1 0416094076 O 03/01/18 0 8459543 E22/G02 F 187,000.00 ZZ 180 187,000.00 1 5.625 1,540.38 79 5.375 1,540.38 DENTON TX 76210 5 02/14/03 00 0416102648 03 04/01/03 0 0416102648 O 03/01/18 0 8459555 E22/G02 F 48,750.00 ZZ 180 48,750.00 1 6.375 421.32 75 6.125 421.32 INMAN SC 29349 5 02/20/03 00 0416105633 05 04/01/03 0 0416105633 N 03/01/18 0 8460897 T29/G02 F 210,000.00 ZZ 180 210,000.00 1 5.375 1,701.98 69 5.125 1,701.98 SILVERADO CANYO CA 92676 5 01/29/03 00 0435428123 05 04/01/03 0 1531629 O 03/01/18 0 8461311 M66/G02 F 135,000.00 ZZ 180 134,530.83 1 5.875 1,130.11 76 5.625 1,130.11 PHILADELPHIA PA 19128 5 01/31/03 00 0435429030 05 03/01/03 0 92403710 O 02/01/18 0 8461423 N74/G02 F 100,800.00 ZZ 180 100,445.95 1 5.750 837.05 45 5.500 837.05 FAIRFAX VA 22030 2 02/19/03 00 0435460647 09 03/19/03 0 0031756010 N 02/19/18 0 1 8461493 N74/G02 F 54,400.00 ZZ 180 54,214.93 1 6.125 462.74 70 5.875 462.74 PORTER TX 77365 5 02/17/03 00 0435467048 05 03/21/03 0 0031732010 O 02/21/18 0 8461513 X78/G02 F 52,000.00 T 180 52,000.00 1 5.500 424.88 56 5.250 424.88 SAFETY HARBOR FL 33603 2 02/21/03 00 0435427497 09 04/01/03 0 990308 O 03/01/18 0 8461625 N74/G02 F 80,154.00 ZZ 120 80,154.00 1 5.625 874.85 63 5.375 874.85 BENTON AR 72015 5 02/14/03 00 0435461017 05 04/01/03 0 0031724010 O 03/01/13 0 8461967 964/G02 F 145,000.00 ZZ 180 144,490.69 1 5.750 1,204.10 64 5.500 1,204.10 STOCKTON CA 95207 5 01/17/03 00 0435433610 05 03/01/03 0 290731 O 02/01/18 0 8461973 964/G02 F 180,200.00 ZZ 180 179,553.53 1 5.500 1,472.39 85 5.250 1,472.39 SPARKS NV 89436 2 01/13/03 12 0435441787 05 03/01/03 25 295655 O 02/01/18 0 8462027 964/G02 F 322,700.00 ZZ 180 321,542.31 1 5.500 2,636.73 37 5.250 2,636.73 1 SAN LUIS OBISPO CA 93401 5 01/22/03 00 0435435524 05 03/01/03 0 315935 O 02/01/18 0 8462029 964/G02 F 200,000.00 ZZ 180 199,304.93 1 5.875 1,674.24 32 5.625 1,674.24 CUPERTINO CA 95014 2 01/23/03 00 0435441225 05 03/01/03 0 316072 O 02/01/18 0 8462043 964/G02 F 300,000.00 ZZ 180 298,946.27 1 5.750 2,491.23 45 5.500 2,491.23 SAN FRANCISCO CA 94116 2 01/27/03 00 0435438247 05 03/01/03 0 317654 O 02/01/18 0 8462045 964/G02 F 310,000.00 ZZ 180 308,887.87 1 5.500 2,532.96 57 5.250 2,532.96 SAN GABRIEL CA 91775 2 01/17/03 00 0435434519 05 03/01/03 0 317755 O 02/01/18 0 8462051 964/G02 F 178,000.00 ZZ 180 177,354.66 1 5.375 1,442.63 48 5.125 1,442.63 KIRKLAND WA 98034 2 01/14/03 00 0435434600 03 03/01/03 0 318860 O 02/01/18 0 8462053 964/G02 F 322,000.00 ZZ 180 320,869.00 1 5.750 2,673.92 40 5.500 2,673.92 HUNTINGTON BEAC CA 92648 2 01/31/03 00 0435439666 03 03/01/03 0 319170 N 02/01/18 0 1 8462059 964/G02 F 94,000.00 ZZ 180 93,673.32 1 5.875 786.89 79 5.625 786.89 LAS VEGAS NV 89129 2 01/24/03 00 0435436175 01 03/01/03 0 319463 O 02/01/18 0 8462061 964/G02 F 225,000.00 ZZ 180 224,226.32 1 6.000 1,898.68 25 5.750 1,898.68 BELLEVUE WA 98004 5 01/28/03 00 0435441795 05 03/01/03 0 319615 O 02/01/18 0 8462075 964/G02 F 127,000.00 ZZ 180 126,572.53 1 6.250 1,088.93 25 6.000 1,088.93 FREMONT CA 94539 2 01/22/03 00 0435435409 05 03/01/03 0 320403 O 02/01/18 0 8462083 964/G02 F 240,000.00 T 180 239,174.74 1 6.000 2,025.26 80 5.750 2,025.26 SHOW LOW AZ 85901 2 01/14/03 00 0435441068 05 03/01/03 0 321139 O 02/01/18 0 8462085 964/G02 F 140,000.00 ZZ 180 139,503.03 1 5.625 1,153.22 56 5.375 1,153.22 RESEDA (AREA) CA 91335 2 01/24/03 00 0435439286 05 03/01/03 0 321178 O 02/01/18 0 8462087 964/G02 F 250,000.00 ZZ 180 249,121.89 1 1 5.750 2,076.03 55 5.500 2,076.03 SAN FRANCISCO CA 94112 2 01/27/03 00 0435434634 05 03/01/03 0 322278 O 02/01/18 0 8462089 964/G02 F 445,000.00 T 180 443,436.96 1 5.750 3,695.33 53 5.500 3,695.33 TELLURIDE CO 81435 5 01/22/03 00 0435435474 05 03/01/03 0 322437 O 02/01/18 0 8462093 964/G02 F 322,700.00 ZZ 180 321,578.51 1 5.875 2,701.38 66 5.625 2,701.38 HAYWARD CA 94544 2 01/21/03 00 0435441811 05 03/01/03 0 322778 O 02/01/18 0 8462099 168/168 F 175,000.00 ZZ 180 175,000.00 1 6.000 1,476.75 78 5.750 1,476.75 BLOOMING GROVE NY 10914 1 02/14/03 00 0099944006 05 04/01/03 0 0099944006 O 03/01/18 0 8462111 964/G02 F 132,000.00 ZZ 180 131,516.38 1 5.250 1,061.12 66 5.000 1,061.12 DELAND FL 32720 2 01/30/03 00 0435433362 03 03/01/03 0 324431 O 02/01/18 0 8462117 964/G02 F 268,000.00 ZZ 180 268,000.00 1 5.375 2,172.05 48 5.125 2,172.05 SAN FRANCISCO CA 94116 2 01/29/03 00 0435434238 05 04/01/03 0 1 324748 O 03/01/18 0 8462119 964/G02 F 178,000.00 ZZ 180 177,381.39 1 5.875 1,490.07 34 5.625 1,490.07 SAN MATEO CA 94401 2 01/22/03 00 0435439559 05 03/01/03 0 325032 O 02/01/18 0 8462129 964/G02 F 236,250.00 ZZ 180 235,402.45 1 5.500 1,930.36 75 5.250 1,930.36 PLEASANTON CA 94588 5 01/24/03 00 0435436597 03 03/01/03 0 327088 O 02/01/18 0 8462131 964/G02 F 322,700.00 ZZ 180 322,700.00 1 5.625 2,658.18 68 5.375 2,658.18 HACIENDA HEIGHT CA 91745 5 01/30/03 00 0435438551 05 04/01/03 0 327093 O 03/01/18 0 8462135 964/G02 F 270,000.00 ZZ 180 269,051.64 1 5.750 2,242.11 42 5.500 2,242.11 SAN FRANCISCO CA 94122 2 01/27/03 00 0435438254 05 03/01/03 0 327650 O 02/01/18 0 8462139 964/G02 F 175,000.00 ZZ 180 174,372.18 1 5.500 1,429.90 36 5.250 1,429.90 RICHMOND CA 94803 2 01/21/03 00 0435439864 05 03/01/03 0 328328 O 02/01/18 0 1 8462141 964/G02 F 299,000.00 ZZ 180 297,938.60 1 5.625 2,462.96 57 5.375 2,462.96 SAN MATEO CA 94403 2 01/24/03 00 0435436605 05 03/01/03 0 328843 O 02/01/18 0 8462147 964/G02 F 146,000.00 ZZ 180 145,453.77 1 5.000 1,154.56 66 4.750 1,154.56 MODESTO CA 95358 2 01/27/03 00 0435441175 05 03/01/03 0 329844 O 02/01/18 0 8462149 964/G02 F 333,000.00 ZZ 180 331,805.36 1 5.500 2,720.89 85 5.250 2,720.89 TUCSON AZ 85749 5 01/31/03 01 0435439450 05 03/01/03 12 330908 O 02/01/18 0 8462157 964/G02 F 130,000.00 ZZ 180 130,000.00 1 5.000 1,028.03 33 4.750 1,028.03 SAN FRANCISCO CA 94112 2 01/30/03 00 0435441043 05 04/01/03 0 332941 O 03/01/18 0 8462159 964/G02 F 220,000.00 ZZ 180 219,202.39 1 5.375 1,783.03 58 5.125 1,783.03 OAKLAND CA 94619 2 01/24/03 00 0435437108 05 03/01/03 0 332982 O 02/01/18 0 8462165 964/G02 F 318,500.00 ZZ 180 317,369.38 1 5.625 2,623.59 58 5.375 2,623.59 1 TUCSON AZ 85745 2 01/28/03 00 0435433875 05 03/01/03 0 337197 O 02/01/18 0 8462171 964/G02 F 230,000.00 ZZ 180 229,166.14 1 5.375 1,864.07 34 5.125 1,864.07 GRANITE BAY CA 95746 2 01/21/03 00 0435437686 05 03/01/03 0 339292 O 02/01/18 0 8462173 964/G02 F 198,000.00 ZZ 180 197,289.67 1 5.500 1,617.83 80 5.250 1,617.83 LAS VEGAS NV 89146 1 01/31/03 00 0435438569 05 03/01/03 0 340000 O 02/01/18 0 8462183 964/G02 F 75,000.00 ZZ 180 74,728.09 1 5.375 607.85 75 5.125 607.85 BOISE ID 83706 5 01/30/03 00 0435436043 05 03/01/03 0 341370 O 02/01/18 0 8462189 964/G02 F 229,000.00 ZZ 180 228,169.76 1 5.375 1,855.97 71 5.125 1,855.97 PHOENIX AZ 85044 2 01/31/03 00 0435434477 03 03/01/03 0 342791 O 02/01/18 0 8464303 E82/G02 F 94,500.00 ZZ 180 94,500.00 1 5.625 778.43 67 5.375 778.43 WELLINGTON FL 33414 2 02/20/03 00 0400788303 03 04/01/03 0 5039347 O 03/01/18 0 1 8464305 E82/G02 F 152,500.00 ZZ 180 152,500.00 1 5.500 1,246.05 70 5.250 1,246.05 ISANTI MN 55040 2 02/20/03 00 0400788204 05 04/01/03 0 7377982 O 03/01/18 0 8464313 E82/G02 F 106,000.00 ZZ 180 106,000.00 1 5.625 873.16 65 5.375 873.16 MILLVILLE NJ 08332 2 02/20/03 00 0400778817 05 04/01/03 0 1863454 O 03/01/18 0 8464319 E82/G02 F 77,100.00 ZZ 180 77,100.00 1 6.000 650.61 54 5.750 650.61 WARRENVILLE IL 60555 2 02/24/03 00 0400780318 05 04/01/03 0 3806037 N 03/01/18 0 8464321 E82/G02 F 60,000.00 ZZ 180 60,000.00 1 5.625 494.24 28 5.375 494.24 MIRAMAR FL 33027 2 02/20/03 00 0400787677 03 04/01/03 0 3570055 O 03/01/18 0 8464333 E82/G02 F 162,500.00 ZZ 180 162,500.00 3 6.000 1,371.27 65 5.750 1,371.27 MASPETH NY 11222 2 02/20/03 00 0400746046 05 04/01/03 0 1684561 O 03/01/18 0 8464337 E82/G02 F 120,000.00 ZZ 180 120,000.00 1 1 5.750 996.49 73 5.500 996.49 UPPER MERION PA 19406 2 02/20/03 00 0400777470 05 04/01/03 0 0400777470 O 03/01/18 0 8464349 E82/G02 F 98,850.00 ZZ 180 98,850.00 1 5.625 814.26 84 5.375 814.26 BILLINGS MT 59102 2 02/20/03 10 0400780821 05 04/01/03 6 1884631 O 03/01/18 0 8464593 E22/G02 F 197,200.00 ZZ 180 197,200.00 1 5.625 1,624.40 46 5.375 1,624.40 ROSEVILLE CA 95661 2 02/13/03 00 0415787415 05 04/01/03 0 0415787415 O 03/01/18 0 8464643 E22/G02 F 25,000.00 ZZ 180 25,000.00 1 5.500 204.27 37 5.250 204.27 LAWTON OK 73507 5 02/17/03 00 0415994128 05 04/01/03 0 0415994128 O 03/01/18 0 8464649 E22/G02 F 161,600.00 ZZ 180 161,600.00 1 5.500 1,320.41 75 5.250 1,320.41 ELK GROVE CA 95758 1 02/07/03 00 0416011690 05 04/01/03 0 0416011690 N 03/01/18 0 8464691 E22/G02 F 175,000.00 ZZ 180 175,000.00 1 5.750 1,453.22 70 5.500 1,453.22 HOPE NJ 07844 5 02/17/03 00 0416028181 05 04/01/03 0 1 0416028181 O 03/01/18 0 8464723 E22/G02 F 64,500.00 ZZ 180 64,500.00 1 5.625 531.31 75 5.375 531.31 MESQUITE TX 75149 5 02/19/03 00 0416050334 05 04/01/03 0 0416050334 N 03/01/18 0 8464727 E22/G02 F 36,500.00 ZZ 180 36,500.00 1 5.375 295.82 87 5.125 295.82 ROCK ISLAND IL 61201 2 02/17/03 04 0416058469 05 04/01/03 12 0416058469 O 03/01/18 0 8464753 E22/G02 F 35,000.00 ZZ 180 35,000.00 1 6.500 304.89 78 6.250 304.89 ATHENS AL 35613 5 02/17/03 00 0416106227 05 04/01/03 0 0416106227 O 03/01/18 0 8464767 E22/G02 F 65,250.00 ZZ 180 65,250.00 1 5.875 546.22 75 5.625 546.22 ARLINGTON TX 76017 5 02/20/03 00 0416143972 05 04/01/03 0 0416143972 N 03/01/18 0 8464771 E22/G02 F 66,000.00 ZZ 180 66,000.00 1 5.875 552.50 75 5.625 552.50 ARLINGTON TX 76017 5 02/19/03 00 0416145696 05 04/01/03 0 0416145696 N 03/01/18 0 1 8464781 E22/G02 F 51,200.00 ZZ 180 51,200.00 1 6.125 435.52 80 5.875 435.52 COLUMBUS OH 43219 5 02/21/03 00 0416159564 05 04/01/03 0 0416159564 N 03/01/18 0 8464787 E22/G02 F 115,200.00 ZZ 180 115,200.00 2 5.875 964.36 80 5.625 964.36 VISALIA CA 93277 1 02/18/03 00 0416176824 05 04/01/03 0 0416176824 N 03/01/18 0 8464789 E22/G02 F 172,000.00 ZZ 180 172,000.00 1 5.375 1,394.00 80 5.125 1,394.00 MIAMI FL 33178 1 02/21/03 00 0416178689 09 04/01/03 0 0416178689 N 03/01/18 0 8464791 E22/G02 F 120,000.00 ZZ 180 120,000.00 2 5.875 1,004.54 80 5.625 1,004.54 VISALIA CA 93277 1 02/18/03 00 0416179828 05 04/01/03 0 0416179828 N 03/01/18 0 8464977 X89/G02 F 357,000.00 ZZ 180 355,705.70 1 5.375 2,893.36 27 5.125 2,893.36 CARMEL CA 93923 2 01/27/03 00 0435428925 05 03/01/03 0 1010240892 O 02/01/18 0 8464981 E84/G02 F 220,000.00 ZZ 180 219,227.27 1 5.750 1,826.90 79 5.500 1,826.90 1 PORTLAND OR 97213 5 01/10/03 00 0435429386 05 03/01/03 0 60113875 O 02/01/18 0 8465125 E84/G02 F 275,000.00 ZZ 180 274,034.08 1 5.750 2,283.63 69 5.500 2,283.63 MIDDLE RIVER MD 21220 2 01/24/03 00 0435428206 05 03/01/03 0 86120351 O 02/01/18 0 8465135 E84/G02 F 200,000.00 ZZ 180 199,297.51 1 5.750 1,660.82 63 5.500 1,660.82 DEARBORN MI 48126 5 01/24/03 00 0435477922 05 03/01/03 0 14501136 O 02/01/18 0 8465227 S11/G02 F 175,000.00 ZZ 180 174,372.18 1 5.500 1,429.90 80 5.250 1,429.90 RIALTO CA 92377 2 02/04/03 00 0435436696 05 03/01/03 0 10210775 O 02/01/18 0 8465293 N74/G02 F 67,000.00 ZZ 180 66,759.63 1 5.500 547.45 79 5.250 547.45 CHINA SPRING TX 76633 5 02/19/03 00 0435464557 05 03/24/03 0 0031751010 O 02/24/18 0 8465485 964/G02 F 100,000.00 ZZ 180 99,625.88 1 5.000 790.79 38 4.750 790.79 TEMECULA CA 92591 2 01/28/03 00 0435434758 05 03/01/03 0 316929 O 02/01/18 0 1 8465489 964/G02 F 90,000.00 ZZ 180 90,000.00 1 5.250 723.49 41 5.000 723.49 MORRO BAY CA 93442 2 02/03/03 00 0435437322 01 04/01/03 0 330237 O 03/01/18 0 8465495 964/G02 F 62,000.00 ZZ 180 61,775.22 1 5.375 502.49 62 5.125 502.49 WINTON CA 95388 2 01/30/03 00 0435436563 05 03/01/03 0 336157 O 02/01/18 0 8465505 964/G02 F 232,000.00 ZZ 180 230,417.41 1 6.125 1,973.45 32 5.875 1,973.45 FREMONT CA 94555 2 11/26/02 00 0435434428 05 02/01/03 0 295493 O 01/01/18 0 8465509 964/G02 F 75,000.00 ZZ 180 74,222.45 1 6.000 632.89 52 5.750 632.89 RANCHO CORDOVA CA 95670 2 11/22/02 00 0435438882 05 01/01/03 0 297455 O 12/01/17 0 8465517 964/G02 F 160,000.00 ZZ 180 159,432.03 1 5.625 1,317.97 58 5.375 1,317.97 PLACENTIA CA 92870 2 01/23/03 00 0435435367 03 03/01/03 0 326544 O 02/01/18 0 8465635 964/G02 F 387,200.00 ZZ 180 387,200.00 1 1 5.750 3,215.35 80 5.500 3,215.35 MISSION VIEJO CA 92691 5 02/03/03 00 0435439013 03 04/01/03 0 341684 O 03/01/18 0 8465639 964/G02 F 87,000.00 ZZ 180 86,697.65 1 5.875 728.29 52 5.625 728.29 WOODLAND PARK CO 80866 2 02/05/03 00 0435434998 05 03/01/03 0 319679 N 02/01/18 0 8465739 964/G02 F 132,000.00 ZZ 180 132,000.00 1 6.375 1,140.81 80 6.125 1,140.81 HOUSTON TX 77083 1 02/12/03 00 0435433370 03 04/01/03 0 350366 O 03/01/18 0 8465783 U05/G02 F 232,000.00 ZZ 120 232,000.00 1 5.625 2,532.20 57 5.375 2,532.20 NEW BRAUNFELS TX 78132 2 02/10/03 00 0435428388 05 04/01/03 0 3307352 O 03/01/13 0 8465859 B23/G02 F 116,600.00 ZZ 180 116,600.00 1 5.875 976.08 73 5.625 976.08 LOS ANGELES ARE CA 90059 5 02/10/03 00 0435439641 05 04/01/03 0 80000169 O 03/01/18 0 8465877 L76/G02 F 45,000.00 ZZ 180 45,000.00 1 5.250 361.74 25 5.000 361.74 MINNETONKA MN 55345 5 02/18/03 00 0435429717 09 04/01/03 0 1 9507518 O 03/01/18 0 8465903 T44/G02 F 83,000.00 ZZ 180 83,000.00 1 5.500 678.18 66 5.250 678.18 CAMERON PARK CA 95682 5 02/06/03 00 0435434204 01 04/01/03 0 1066422 N 03/01/18 0 8465907 E47/G02 F 56,000.00 ZZ 180 56,000.00 1 5.500 457.57 73 5.250 457.57 LITHIA FL 33547 5 02/13/03 00 0435431937 05 04/01/03 0 7361013374 O 03/01/18 0 8465917 T23/G02 F 14,250.00 ZZ 180 14,250.00 1 6.375 123.16 75 6.125 123.16 ZANESVILLE OH 43701 5 02/18/03 00 0435436068 05 04/01/03 0 6054 N 03/01/18 0 8466095 P34/G02 F 115,100.00 ZZ 180 114,720.81 2 6.500 1,002.65 27 6.250 1,002.65 ROSLINDALE MA 02131 5 01/25/03 00 0435432075 05 03/01/03 0 15735 O 02/01/18 0 8466153 W35/G02 F 107,200.00 ZZ 180 107,200.00 1 5.375 868.82 80 5.125 868.82 EAST HAMPTON MA 01027 5 02/14/03 00 0435432133 05 04/01/03 0 17765 O 03/01/18 0 1 8466211 642/G02 F 164,000.00 ZZ 180 164,000.00 1 5.500 1,340.02 80 5.250 1,340.02 RESEDA CA 91335 5 02/18/03 00 0435464169 01 04/01/03 0 02193403 O 03/01/18 0 8466433 964/G02 F 392,500.00 ZZ 180 392,500.00 1 5.875 3,285.69 66 5.625 3,285.69 LA VERNE CA 91750 5 02/03/03 00 0435491808 05 04/01/03 0 324641 O 03/01/18 0 8466767 E82/G02 F 199,200.00 ZZ 180 199,200.00 1 5.625 1,640.87 76 5.375 1,640.87 SIMI VALLEY CA 93063 2 02/19/03 00 0400788261 05 04/01/03 0 7109102 O 03/01/18 0 8466819 E82/G02 F 47,300.00 ZZ 180 47,300.00 1 5.750 392.78 49 5.500 392.78 LONG BEACH CA 90803 2 02/14/03 00 0400782322 01 04/01/03 0 1887371 O 03/01/18 0 8466829 E82/G02 F 297,500.00 ZZ 180 297,500.00 1 5.875 2,490.43 76 5.625 2,490.43 FARMINGTON HILL MI 48335 2 02/21/03 00 0400759072 03 04/01/03 0 2820377 O 03/01/18 0 8466841 E82/G02 F 154,900.00 ZZ 180 154,900.00 1 5.750 1,286.31 73 5.500 1,286.31 1 BEDFORD TX 76021 2 02/20/03 00 0400723466 05 04/01/03 0 2884605 O 03/01/18 0 8466845 E82/G02 F 72,000.00 ZZ 180 72,000.00 1 5.750 597.90 49 5.500 597.90 DEVON PA 19333 2 02/21/03 00 0400787875 01 04/01/03 0 1599235 O 03/01/18 0 8466863 E82/G02 F 85,000.00 ZZ 180 85,000.00 1 5.625 700.17 79 5.375 700.17 RIVERTON WY 82501 2 02/21/03 00 0400780904 05 04/01/03 0 1966236 O 03/01/18 0 8467075 E22/G02 F 96,000.00 ZZ 180 96,000.00 1 6.125 816.60 84 5.875 816.60 SIDNEY OH 45365 2 02/19/03 04 0416093631 05 04/01/03 6 0416093631 O 03/01/18 0 8467101 E22/G02 F 55,200.00 ZZ 180 55,200.00 1 6.000 465.81 80 5.750 465.81 HOUSTON TX 77044 5 02/17/03 00 0416116770 03 04/01/03 0 0416116770 O 03/01/18 0 8467105 E22/G02 F 50,000.00 ZZ 180 50,000.00 1 6.125 425.31 58 5.875 425.31 BALTIMORE MD 21222 2 02/24/03 00 0416119014 07 04/01/03 0 0416119014 N 03/01/18 0 1 8467125 E22/G02 F 74,000.00 ZZ 180 74,000.00 1 5.625 609.56 44 5.375 609.56 AUBREY TX 76227 5 02/19/03 00 0415742634 05 04/01/03 0 0415742634 O 03/01/18 0 8467135 E22/G02 F 198,000.00 ZZ 180 198,000.00 1 5.625 1,630.99 68 5.375 1,630.99 YARDLEY PA 19067 2 02/18/03 00 0415797547 05 04/01/03 0 0415797547 O 03/01/18 0 8467173 E22/G02 F 100,000.00 ZZ 180 100,000.00 1 5.500 817.08 50 5.250 817.08 BOYNTON BEACH FL 33437 1 02/24/03 00 0415844141 09 04/01/03 0 0415844141 O 03/01/18 0 8467179 E22/G02 F 135,028.00 ZZ 180 135,028.00 1 5.875 1,130.34 63 5.625 1,130.34 ENFIELD CT 06082 5 02/19/03 00 0415863653 05 04/01/03 0 0415863653 O 03/01/18 0 8467185 E22/G02 F 267,000.00 ZZ 180 267,000.00 1 5.625 2,199.36 72 5.375 2,199.36 WALDORF MD 20603 2 02/18/03 00 0415881762 03 04/01/03 0 0415881762 O 03/01/18 0 8467199 E22/G02 F 101,840.00 ZZ 180 101,840.00 1 1 6.500 887.14 95 6.250 887.14 CENTRALIA IL 62801 5 02/19/03 01 0415903426 05 04/01/03 25 0415903426 O 03/01/18 0 8467221 E22/G02 F 82,500.00 ZZ 180 82,500.00 1 6.250 707.37 59 6.000 707.37 COMPTON CA 90222 2 02/14/03 00 0415921881 05 04/01/03 0 0415921881 N 03/01/18 0 8467229 E22/G02 F 101,500.00 ZZ 180 101,500.00 1 5.625 836.09 76 5.375 836.09 CARSON CITY NV 89701 2 02/07/03 00 0415928969 05 04/01/03 0 0415928969 O 03/01/18 0 8467257 E22/G02 F 38,500.00 ZZ 180 38,500.00 1 6.000 324.88 66 5.750 324.88 WATERLOO AL 35677 5 02/18/03 00 0415962026 05 04/01/03 0 0415962026 O 03/01/18 0 8467259 E22/G02 F 275,000.00 ZZ 180 275,000.00 1 6.000 2,320.61 65 5.750 2,320.61 OLYMPIA WA 98512 5 02/17/03 00 0415962638 05 04/01/03 0 0415962638 O 03/01/18 0 8467261 E22/G02 F 148,000.00 ZZ 180 148,000.00 1 5.375 1,199.49 24 5.125 1,199.49 SAN FRANCISCO CA 94122 2 02/07/03 00 0415963156 07 04/01/03 0 1 0415963156 O 03/01/18 0 8467267 E22/G02 F 158,000.00 ZZ 180 158,000.00 1 5.750 1,312.05 95 5.500 1,312.05 FLORENCE MS 39073 2 02/18/03 01 0415965367 05 04/01/03 25 0415965367 O 03/01/18 0 8467291 E22/G02 F 302,000.00 ZZ 180 302,000.00 3 5.875 2,528.10 73 5.625 2,528.10 FULLERTON CA 92832 5 02/18/03 00 0415997451 05 04/01/03 0 0415997451 O 03/01/18 0 8467295 E22/G02 F 56,000.00 ZZ 180 56,000.00 1 6.250 480.16 49 6.000 480.16 DEARBORN MI 48126 2 02/24/03 00 0416000370 05 04/01/03 0 0416000370 N 03/01/18 0 8467297 E22/G02 F 60,000.00 ZZ 180 60,000.00 2 6.250 514.45 45 6.000 514.45 DEARBORN MI 48126 2 02/24/03 00 0416000560 05 04/01/03 0 0416000560 N 03/01/18 0 8467303 E22/G02 F 272,000.00 ZZ 180 272,000.00 1 5.625 2,240.55 62 5.375 2,240.55 DALY CITY CA 94014 2 02/18/03 00 0416012532 05 04/01/03 0 0416012532 O 03/01/18 0 1 8467365 E22/G02 F 99,000.00 ZZ 180 99,000.00 1 6.000 835.42 68 5.750 835.42 LA PORTE TX 77571 2 02/18/03 00 0416063881 03 04/01/03 0 0416063881 O 03/01/18 0 8467375 E22/G02 F 164,400.00 ZZ 180 164,400.00 2 5.875 1,376.22 80 5.625 1,376.22 PORTLAND OR 97266 5 02/14/03 00 0416127520 05 04/01/03 0 0416127520 O 03/01/18 0 8467419 E22/G02 F 127,500.00 ZZ 180 127,500.00 1 6.375 1,101.92 85 6.125 1,101.92 FT LAUDERDALE FL 33334 5 02/19/03 04 0416070761 05 04/01/03 12 0416070761 O 03/01/18 0 8467759 X31/G02 F 252,000.00 ZZ 180 252,000.00 1 5.625 2,075.80 80 5.375 2,075.80 ANAHEIM CA 92804 5 02/18/03 00 0435434956 05 04/01/03 0 41000468 O 03/01/18 0 8467771 X31/G02 F 145,000.00 ZZ 180 145,000.00 1 5.500 1,184.77 78 5.250 1,184.77 LOS ANGELES CA 90011 2 02/12/03 00 0435434196 05 04/01/03 0 40105377 O 03/01/18 0 8468095 K60/G02 F 135,100.00 ZZ 180 135,100.00 1 5.500 1,103.88 70 5.250 1,103.88 1 HURRICANE WV 25526 2 02/05/03 00 0435438460 05 04/01/03 0 73911 O 03/01/18 0 8468253 W02/G02 F 97,500.00 ZZ 180 97,500.00 1 5.625 803.14 75 5.375 803.14 NORTH PORT FL 34287 5 02/14/03 00 0435460274 05 04/01/03 0 1001992260 O 03/01/18 0 8469453 W02/G02 F 64,800.00 ZZ 180 64,800.00 1 6.125 551.21 90 5.875 551.21 PENSACOLA FL 32526 2 02/12/03 11 0435458328 09 04/01/03 12 1002056877 O 03/01/18 0 8470611 K93/G02 F 92,800.00 ZZ 180 92,800.00 1 6.375 802.02 80 6.125 802.02 WYOMING MI 49507 1 02/24/03 00 0435433032 05 04/01/03 0 0302L0366 N 03/01/18 0 8472493 624/G02 F 68,000.00 ZZ 180 68,000.00 1 6.000 573.82 68 5.750 573.82 HANFORD CA 93230 1 02/06/03 00 0435432463 05 04/01/03 0 1000021500 N 03/01/18 0 8472665 E82/G02 F 100,000.00 ZZ 180 100,000.00 1 5.625 823.73 26 5.375 823.73 CHAPPAQUA NY 10514 2 02/20/03 00 0400780573 01 04/01/03 0 6640502 O 03/01/18 0 1 8472677 E82/G02 F 113,500.00 ZZ 180 113,500.00 4 6.500 988.71 53 6.250 988.71 LAKESIDE AZ 85929 2 02/25/03 00 0400788709 05 04/01/03 0 1623410 N 03/01/18 0 8472683 E82/G02 F 300,000.00 ZZ 180 300,000.00 2 6.500 2,613.32 32 6.250 2,613.32 LONG BEACH NJ 08008 2 02/21/03 00 0400762696 05 04/01/03 0 1877433 N 03/01/18 0 8472691 E82/G02 F 107,500.00 ZZ 180 107,500.00 1 5.625 885.51 68 5.375 885.51 NEVADA CITY CA 95959 2 02/20/03 00 0400777850 05 04/01/03 0 5001224 O 03/01/18 0 8472693 E82/G02 F 56,800.00 ZZ 180 56,800.00 1 5.750 471.67 83 5.500 471.67 HUNTSVILLE AL 35810 2 02/22/03 10 0400791638 05 04/01/03 6 3752408 O 03/01/18 0 8472697 E82/G02 F 71,000.00 ZZ 180 71,000.00 1 5.875 594.35 65 5.625 594.35 LINDALE TX 75771 2 02/10/03 00 0400745261 05 04/01/03 0 1683224 O 03/01/18 0 8472703 E82/G02 F 77,800.00 ZZ 180 77,800.00 1 1 5.625 640.86 64 5.375 640.86 HULL TX 77564 2 02/20/03 00 0400776977 05 04/01/03 0 5184992 O 03/01/18 0 8472719 E82/G02 F 170,050.00 ZZ 180 170,050.00 1 6.500 1,481.32 88 6.250 1,481.32 CARL JUNCTION MO 64834 5 02/22/03 10 0400776928 05 04/01/03 12 0400776928 O 03/01/18 0 8472731 E82/G02 F 235,500.00 ZZ 180 235,500.00 1 5.625 1,939.89 78 5.375 1,939.89 SHINGLE SPRINGS CA 95682 2 02/20/03 00 0400781399 05 04/01/03 0 7624858 O 03/01/18 0 8472981 975/G02 F 130,000.00 ZZ 180 130,000.00 1 5.750 1,079.53 65 5.500 1,079.53 HAWAIIAN GARDEN CA 90716 5 02/03/03 00 0435434253 01 04/01/03 0 2030408 O 03/01/18 0 8472985 624/G02 F 285,000.00 ZZ 180 285,000.00 1 5.500 2,328.69 51 5.250 2,328.69 SAN DIEGO CA 92131 2 02/13/03 00 0435432695 03 04/01/03 0 1000022191 O 03/01/18 0 8473105 S11/G02 F 437,400.00 ZZ 180 437,400.00 1 6.125 3,720.63 75 5.875 3,720.63 NEWPORT BEACH CA 92660 5 02/13/03 00 0435434030 01 04/01/03 0 1 10210837 O 03/01/18 0 8473113 G27/G02 F 144,400.00 ZZ 180 144,400.00 1 5.750 1,199.11 95 5.500 1,199.11 RALEIGH NC 27609 5 02/12/03 11 0435434147 05 04/01/03 25 27302022 O 03/01/18 0 8473139 E22/G02 F 90,250.00 ZZ 180 90,250.00 1 6.375 779.99 95 6.125 779.99 BAKERSFIELD CA 93308 5 02/17/03 04 0415950757 05 04/01/03 25 0415950757 O 03/01/18 0 8473269 E22/G02 F 148,000.00 ZZ 180 148,000.00 1 5.750 1,229.01 68 5.500 1,229.01 EAST WENATCHEE WA 98802 5 02/14/03 00 0416060739 05 04/01/03 0 0416060739 O 03/01/18 0 8473399 E22/G02 F 104,800.00 ZZ 180 104,800.00 2 6.375 905.73 80 6.125 905.73 NEW ORLEANS LA 70117 2 02/25/03 00 0416207421 05 04/01/03 0 0416207421 N 03/01/18 0 8473439 E22/G02 F 420,000.00 ZZ 180 420,000.00 1 5.625 3,459.67 72 5.375 3,459.67 EAST HANOVER NJ 07936 2 02/20/03 00 0415817964 05 04/01/03 0 0415817964 O 03/01/18 0 1 8473547 Q87/G02 F 123,150.00 ZZ 180 123,150.00 1 5.500 1,006.24 71 5.250 1,006.24 MOBILE AL 36693 2 02/24/03 00 0435441084 05 04/01/03 0 JOJA03 O 03/01/18 0 8473827 K15/G02 F 88,500.00 ZZ 180 88,500.00 1 6.375 764.86 84 6.125 764.86 BOISE ID 83704 2 02/19/03 41 0435434832 05 04/01/03 6 030205507112 O 03/01/18 0 8473831 W40/G02 F 129,300.00 ZZ 180 129,300.00 1 5.250 1,039.41 74 5.000 1,039.41 SAND LAKE MI 49343 5 02/21/03 00 0435437397 05 04/01/03 0 1020117717 O 03/01/18 0 8473859 X52/G02 F 275,000.00 ZZ 180 275,000.00 1 5.625 2,265.26 46 5.375 2,265.26 CUDJOE KEY FL 33042 5 02/20/03 00 0435446067 05 04/01/03 0 03012200 O 03/01/18 0 8473863 N47/G02 F 183,500.00 ZZ 180 183,500.00 1 5.500 1,499.35 52 5.250 1,499.35 BYRON CA 94514 5 02/11/03 00 0435471784 03 04/01/03 0 20502702 O 03/01/18 0 8473955 M24/G02 F 322,000.00 ZZ 180 322,000.00 1 5.750 2,673.92 68 5.500 2,673.92 1 BRENTWOOD TN 37027 5 02/17/03 00 0435432034 05 04/01/03 0 266108034 O 03/01/18 0 8474035 N47/G02 F 229,500.00 ZZ 180 229,500.00 1 5.750 1,905.79 49 5.500 1,905.79 WESTMINSTER CA 92683 2 02/13/03 00 0435488770 05 04/01/03 0 30501643 O 03/01/18 0 8474097 G51/G02 F 86,400.00 ZZ 180 86,400.00 1 5.750 717.47 80 5.500 717.47 FLORAL CITY FL 34436 5 02/20/03 00 0435436761 05 04/01/03 0 25002135 O 03/01/18 0 8474181 F34/G02 F 499,500.00 ZZ 180 499,500.00 1 5.625 4,114.54 75 5.375 4,114.54 FAIRFAX STATION VA 22039 5 02/03/03 00 0435446463 03 04/01/03 0 13301018 O 03/01/18 0 8474229 168/168 F 322,700.00 ZZ 180 321,625.40 1 6.375 2,788.94 78 6.125 2,788.94 OLNEY MD 20832 5 01/30/03 00 0099729377 03 03/01/03 0 0099729377 O 02/01/18 0 8474335 W68/G02 F 76,000.00 TX 180 76,000.00 1 6.375 656.83 80 6.125 656.83 SEAGOVILLE TX 75159 5 02/05/03 00 0435470687 05 04/01/03 0 34304 O 03/01/18 0 1 8474349 W68/G02 F 442,400.00 ZZ 180 442,400.00 1 5.625 3,644.19 80 5.375 3,644.19 SAN DIMAS CA 91773 2 02/03/03 00 0435493887 05 04/01/03 0 36009 O 03/01/18 0 8474385 313/G02 F 56,000.00 ZZ 180 55,813.51 2 6.375 483.99 66 6.125 483.99 NORRISTOWN PA 19401 5 01/17/03 00 0435436548 05 03/01/03 0 9240003 N 02/01/18 0 8474387 313/G02 F 85,000.00 ZZ 180 84,716.94 1 6.375 734.62 61 6.125 734.62 PHOENIXVILLE PA 19460 5 01/17/03 00 0435437330 01 03/01/03 0 9240052 N 02/01/18 0 8474389 313/G02 F 53,000.00 ZZ 180 52,823.50 1 6.375 458.06 70 6.125 458.06 NORRISTOWN PA 19401 5 01/17/03 00 0435438668 07 03/01/03 0 9240227 N 02/01/18 0 8474391 313/G02 F 87,500.00 ZZ 180 87,195.91 1 5.875 732.48 39 5.625 732.48 ADDISON IL 60101 2 01/21/03 00 0435450390 05 03/01/03 0 9122011 O 02/01/18 0 8474395 313/G02 F 92,900.00 ZZ 180 92,577.13 1 1 5.875 777.69 60 5.625 777.69 CHICAGO IL 60629 2 01/14/03 00 0435446802 05 03/01/03 0 9266891 O 02/01/18 0 8474401 313/G02 F 108,000.00 ZZ 180 108,000.00 3 6.375 933.40 60 6.125 933.40 SHELTON CT 06484 5 02/07/03 00 0435433073 05 04/01/03 0 9283136 N 03/01/18 0 8474403 313/G02 F 424,000.00 ZZ 180 422,510.73 1 5.750 3,520.94 77 5.500 3,520.94 VALENCIA CA 91354 5 02/10/03 00 0435434501 03 03/01/03 0 9300724 O 02/01/18 0 8474985 E82/G02 F 111,000.00 ZZ 180 111,000.00 1 5.875 929.20 47 5.625 929.20 CHINO HILLS CA 91709 5 02/21/03 00 0400741419 05 04/01/03 0 0400741419 O 03/01/18 0 8474989 E82/G02 F 161,500.00 ZZ 180 161,500.00 1 5.625 1,330.33 68 5.375 1,330.33 DAVIE FL 33328 2 02/24/03 00 0400775250 03 04/01/03 0 1924593 O 03/01/18 0 8475007 E82/G02 F 157,500.00 ZZ 180 157,500.00 1 5.625 1,297.38 77 5.375 1,297.38 AITKIN MN 56431 2 02/24/03 00 0400780771 05 04/01/03 0 1 7911200 O 03/01/18 0 8475009 E82/G02 F 82,500.00 ZZ 180 82,500.00 1 5.625 679.58 24 5.375 679.58 SEABROOK NH 03874 2 02/24/03 00 0400783098 05 04/01/03 0 5085295 O 03/01/18 0 8475021 E82/G02 F 143,200.00 T 180 143,200.00 1 5.500 1,170.06 63 5.250 1,170.06 SILVERTHORNE CO 80498 2 02/24/03 00 0400783692 03 04/01/03 0 1838444 O 03/01/18 0 8475025 E82/G02 F 202,500.00 ZZ 180 202,500.00 3 6.375 1,750.11 45 6.125 1,750.11 OJAI CA 93010 2 02/19/03 00 0400763306 05 04/01/03 0 0400763306 N 03/01/18 0 8475031 E82/G02 F 238,800.00 ZZ 180 238,800.00 1 6.125 2,031.29 60 5.875 2,031.29 TAHOE VISTA CA 96148 2 02/21/03 00 0400763462 05 04/01/03 0 5462286 O 03/01/18 0 8475047 E82/G02 F 39,800.00 ZZ 180 39,800.00 2 6.750 352.19 72 6.500 352.19 ST. LOUIS MO 63118 2 02/27/03 00 0400762324 05 04/01/03 0 2823551 N 03/01/18 0 1 8475057 E82/G02 F 110,100.00 ZZ 180 110,100.00 1 5.500 899.61 56 5.250 899.61 STROUDSBURG PA 18360 2 02/24/03 00 0400780300 05 04/01/03 0 1908195 O 03/01/18 0 8475061 E82/G02 F 99,300.00 ZZ 180 99,300.00 1 5.375 804.79 54 5.125 804.79 WEST LEBANON NH 03784 2 02/24/03 00 0400785986 05 04/01/03 0 7826737 O 03/01/18 0 8475087 E82/G02 F 47,800.00 ZZ 180 47,800.00 1 6.500 416.39 62 6.250 416.39 INDIANAPOLIS IN 46220 2 02/21/03 00 0400771085 05 04/01/03 0 1671808 N 03/01/18 0 8475093 E82/G02 F 160,600.00 ZZ 180 160,600.00 1 5.375 1,301.61 35 5.125 1,301.61 WESTWOOD MA 02090 2 02/20/03 00 0400782579 05 04/01/03 0 2765021 O 03/01/18 0 8475103 E82/G02 F 54,300.00 ZZ 180 54,300.00 1 5.625 447.29 91 5.375 447.29 WHITEHALL OH 43213 2 02/24/03 04 0400781316 05 04/01/03 25 0400781316 N 03/01/18 0 8475113 E82/G02 F 50,000.00 ZZ 180 50,000.00 1 5.500 408.54 45 5.250 408.54 1 GILMER TX 75644 2 02/21/03 00 0400783775 05 04/01/03 0 1892354 O 03/01/18 0 8475143 E82/G02 F 90,800.00 ZZ 180 90,800.00 1 5.875 760.10 43 5.625 760.10 AUSTIN TX 78705 2 02/28/03 00 0400761102 05 04/01/03 0 1735882 N 03/01/18 0 8475145 E82/G02 F 49,000.00 ZZ 180 49,000.00 1 5.625 403.63 25 5.375 403.63 NAPLES FL 34120 2 02/24/03 00 0400789723 05 04/01/03 0 1760875 O 03/01/18 0 8475161 E82/G02 F 196,900.00 ZZ 180 196,900.00 1 5.875 1,648.29 34 5.625 1,648.29 STERLING CITY TX 76951 2 02/24/03 00 0400737151 05 04/01/03 0 0400737151 O 03/01/18 0 8475167 E82/G02 F 98,600.00 ZZ 180 98,600.00 1 5.750 818.78 71 5.500 818.78 DUNCANVILLE TX 75137 2 02/24/03 00 0400758884 05 04/01/03 0 0400758884 O 03/01/18 0 8475233 E22/G02 F 316,000.00 ZZ 180 316,000.00 1 5.625 2,602.99 90 5.375 2,602.99 FONTANA CA 92336 5 02/04/03 04 0415787453 05 04/01/03 12 0415787563 O 03/01/18 0 1 8475273 E22/G02 F 31,000.00 ZZ 180 31,000.00 2 6.500 270.04 74 6.250 270.04 EL PASO TX 79936 2 02/12/03 00 0415943380 05 04/01/03 0 0415943380 N 03/01/18 0 8475279 E22/G02 F 448,000.00 ZZ 180 448,000.00 1 5.875 3,750.29 48 5.625 3,750.29 OAK PARK IL 60302 2 02/21/03 00 0415956424 05 04/01/03 0 0415956424 O 03/01/18 0 8475287 E22/G02 F 207,750.00 ZZ 180 207,750.00 1 5.625 1,711.30 76 5.375 1,711.30 PEMBROKE PINES FL 33028 5 02/21/03 00 0415973312 03 04/01/03 0 0415973312 O 03/01/18 0 8475337 E22/G02 F 122,000.00 ZZ 180 122,000.00 1 5.500 996.84 54 5.250 996.84 ARLETA CA 91331 2 02/20/03 00 0416103604 05 04/01/03 0 0416103604 O 03/01/18 0 8475401 E22/G02 F 100,000.00 ZZ 180 100,000.00 1 5.500 817.08 50 5.250 817.08 BLANCHARD ID 83804 5 02/20/03 00 0416237907 05 04/01/03 0 0416237907 O 03/01/18 0 8475413 E22/G02 F 29,990.00 ZZ 180 29,990.00 1 1 6.125 255.10 100 5.875 255.10 ENID OK 73701 2 02/21/03 01 0416008183 05 04/01/03 35 0416008183 O 03/01/18 0 8475421 E22/G02 F 135,700.00 ZZ 180 135,700.00 1 5.750 1,126.87 49 5.500 1,126.87 SEATTLE WA 98144 5 02/10/03 00 0416024420 05 04/01/03 0 0416024420 O 03/01/18 0 8475423 E22/G02 F 284,000.00 ZZ 180 284,000.00 1 5.625 2,339.40 80 5.375 2,339.40 ARLINGTON WA 98223 5 02/18/03 00 0416025955 05 04/01/03 0 0416025955 O 03/01/18 0 8475435 E22/G02 F 360,500.00 ZZ 180 360,500.00 1 5.750 2,993.63 78 5.500 2,993.63 MARTINEZ CA 94553 5 02/12/03 00 0416039949 03 04/01/03 0 0416039949 O 03/01/18 0 8476473 K60/G02 F 80,287.52 ZZ 180 80,287.52 1 5.500 656.02 77 5.250 656.02 LUMBERTON TX 77657 5 02/10/03 00 0435450937 05 04/01/03 0 73928 O 03/01/18 0 8476575 E47/G02 F 352,000.00 ZZ 180 352,000.00 1 5.750 2,923.04 80 5.500 2,923.04 LOUISVILLE KY 40245 2 02/12/03 00 0435448295 05 04/01/03 0 1 7323510206 O 03/01/18 0 8476587 Q59/G02 F 371,000.00 ZZ 180 371,000.00 1 5.875 3,105.71 79 5.625 3,105.71 AREA OF ROWLAND CA 91748 5 02/21/03 00 0435442876 03 04/01/03 0 0000501390 O 03/01/18 0 8476611 420/G02 F 354,200.00 ZZ 180 354,200.00 1 5.500 2,894.11 23 5.250 2,894.11 NICASIO CA 94946 5 02/13/03 00 0435455514 05 04/01/03 0 73000137 O 03/01/18 0 8476651 369/G02 F 359,900.00 ZZ 180 358,635.87 1 5.750 2,988.65 80 5.500 2,988.65 DOWNINGTOWN PA 19335 5 01/14/03 00 0435446166 05 03/01/03 0 0074671082 O 02/01/18 0 8476939 532/G02 F 102,400.00 ZZ 180 102,400.00 1 5.375 829.92 80 5.125 829.92 FARMINGTON NM 87401 5 02/20/03 00 0435450911 05 04/01/03 0 PF03105 O 03/01/18 0 8476951 Y23/G02 F 90,000.00 TX 180 90,000.00 1 5.875 753.41 45 5.625 753.41 CANTON TX 75103 5 02/18/03 00 0435454590 05 04/01/03 0 1000060634 O 03/01/18 0 1 8477095 X80/G02 F 157,000.00 ZZ 180 157,000.00 1 5.500 1,282.82 70 5.250 1,282.82 LOS ANGELES(SYL CA 91342 2 02/12/03 00 0435448618 05 04/01/03 0 1410108316 O 03/01/18 0 8477413 E47/G02 F 91,500.00 ZZ 180 91,500.00 1 5.375 741.58 26 5.125 741.58 FAIR OAKS RANCH TX 78015 2 02/18/03 00 0435462262 03 04/01/03 0 7362511694 O 03/01/18 0 8477779 E22/G02 F 72,800.00 ZZ 180 72,800.00 1 5.750 604.54 80 5.500 604.54 ARLINGTON TX 76015 5 02/18/03 00 0416111169 05 04/01/03 0 0416111169 O 03/01/18 0 8477819 E22/G02 F 53,400.00 ZZ 180 53,400.00 1 5.500 436.32 54 5.250 436.32 CLEBURNE TX 76031 2 02/21/03 00 0416850692 05 04/01/03 0 0415850692 O 03/01/18 0 8477867 E22/G02 F 147,000.00 ZZ 180 147,000.00 2 5.375 1,191.38 70 5.125 1,191.38 ENGLEWOOD CO 80110 2 02/21/03 00 0415982446 05 04/01/03 0 0415982446 O 03/01/18 0 8477885 E22/G02 F 244,000.00 ZZ 180 244,000.00 1 5.625 2,009.91 80 5.375 2,009.91 1 DALLAS TX 75214 5 02/21/03 00 0416033025 05 04/01/03 0 0416033025 O 03/01/18 0 8477899 E22/G02 F 134,925.00 ZZ 180 134,925.00 1 5.875 1,129.48 75 5.625 1,129.48 GARDNERVILLE NV 89410 1 02/21/03 00 0416052868 05 04/01/03 0 0416052868 O 03/01/18 0 8477911 E22/G02 F 198,000.00 ZZ 180 198,000.00 4 5.750 1,644.21 66 5.500 1,644.21 COLORADO SPRING CO 80907 2 02/27/03 00 0416083228 05 04/01/03 0 0416083228 N 03/01/18 0 8477971 E82/G02 F 123,500.00 ZZ 180 123,500.00 2 5.750 1,025.56 50 5.500 1,025.56 SOMERVILLE MA 02144 2 02/26/03 00 0400782124 05 04/01/03 0 0400782124 O 03/01/18 0 8477993 E82/G02 F 53,000.00 ZZ 180 53,000.00 1 5.750 440.12 48 5.500 440.12 GERRARDSTOWN WV 25420 2 02/25/03 00 0400781472 05 04/01/03 0 0400781472 O 03/01/18 0 8478451 X31/G02 F 123,000.00 ZZ 180 123,000.00 1 5.750 1,021.40 77 5.500 1,021.40 LAS VEGAS NV 89119 2 02/12/03 00 0435498811 05 04/01/03 0 7200065 O 03/01/18 0 1 8478491 U36/G02 F 145,120.00 ZZ 180 145,120.00 1 6.375 1,254.20 80 6.125 1,254.20 PRINCE GEORGE VA 23805 1 02/07/03 00 0435451737 05 04/01/03 0 834662002 O 03/01/18 0 8478693 P09/G02 F 68,600.00 ZZ 180 68,600.00 1 5.625 565.08 71 5.375 565.08 BALTIMORE MD 21214 2 02/27/03 00 0435451562 05 04/01/03 0 DAVISNEW O 03/01/18 0 8478859 S11/G02 F 320,000.00 ZZ 180 320,000.00 1 5.375 2,593.49 58 5.125 2,593.49 LAKE FOREST CA 92630 2 02/07/03 00 0435447198 03 04/01/03 0 10210757 O 03/01/18 0 8480333 U05/G02 F 221,000.00 ZZ 180 221,000.00 2 5.500 1,805.75 77 5.250 1,805.75 WHITTIER CA 90602 2 02/10/03 00 0435439583 05 04/01/03 0 3312262 O 03/01/18 0 8480571 K15/G02 F 188,000.00 ZZ 180 188,000.00 1 5.375 1,523.67 43 5.125 1,523.67 FARMINGDALE NY 11735 5 02/20/03 00 0435444930 05 04/01/03 0 020605511227 O 03/01/18 0 8480737 W02/G02 F 35,000.00 ZZ 180 35,000.00 1 1 5.500 285.98 53 5.250 285.98 BRISTOL VA 24201 5 02/21/03 00 0435490149 05 04/01/03 0 1002083086 O 03/01/18 0 8480791 K15/G02 F 110,500.00 ZZ 180 110,500.00 1 5.875 925.02 77 5.625 925.02 LAS VEGAS NV 89119 5 02/12/03 00 0435444625 05 04/01/03 0 022005511026 O 03/01/18 0 8480859 W45/G02 F 112,200.00 ZZ 180 112,200.00 1 6.000 946.81 90 5.750 946.81 MIAMI FL 33186 2 02/24/03 10 0435452453 01 04/01/03 12 0301141778 O 03/01/18 0 8480873 477/G02 F 94,500.00 ZZ 180 94,500.00 1 5.875 791.08 60 5.625 791.08 FONTANA CA 92335 2 02/01/03 00 0435464524 05 04/01/03 0 248202 O 03/01/18 0 8480889 X89/G02 F 198,050.00 ZZ 180 198,050.00 1 5.625 1,631.40 75 5.375 1,631.40 RIVERSIDE CA 92595 5 02/13/03 00 0435441928 05 04/01/03 0 1010241399 O 03/01/18 0 8480917 N74/G02 F 88,000.00 ZZ 180 87,694.17 1 5.875 736.66 80 5.625 736.66 BEN WHEELER TX 75754 5 02/20/03 00 0435441605 05 03/25/03 0 1 0031758010 O 02/25/18 0 8481093 M27/G02 F 184,400.00 ZZ 180 184,400.00 1 5.625 1,518.96 80 5.375 1,518.96 DURHAM NC 27712 1 02/25/03 00 0435447727 03 04/01/03 0 0100063160 O 03/01/18 0 8481405 N74/G02 F 40,000.00 ZZ 180 39,858.01 1 5.625 329.49 25 5.375 329.49 KINGWOOD TX 77345 2 02/24/03 00 0435496146 05 03/28/03 0 0031745010 O 02/28/18 0 8481659 962/G02 F 108,000.00 ZZ 180 108,000.00 1 6.000 911.37 80 5.750 911.37 FARGO ND 58102 5 02/28/03 00 0435462403 05 04/01/03 0 2003N565 N 03/01/18 0 8482089 S43/G02 F 201,300.00 ZZ 180 201,300.00 1 5.500 1,644.79 76 5.250 1,644.79 ALBUQUERQUE NM 87123 5 02/26/03 00 0435462379 05 04/01/03 0 030078 O 03/01/18 0 8482171 U41/G02 F 115,000.00 ZZ 180 115,000.00 1 5.375 932.04 80 5.125 932.04 ONALASKA WI 54650 5 02/24/03 00 0435445945 05 04/01/03 0 SCHAEFER1121 O 03/01/18 0 1 8482207 N74/G02 F 65,600.00 ZZ 180 65,369.58 1 5.750 544.75 77 5.500 544.75 LITTLE ROCK AR 72204 5 02/21/03 00 0435468145 05 03/26/03 0 31772010 O 02/26/18 0 8483467 E82/G02 F 99,700.00 ZZ 180 99,700.00 4 6.500 868.49 68 6.250 868.49 LAKESIDE AZ 85929 2 02/25/03 00 0400788741 05 04/01/03 0 0400788741 N 03/01/18 0 8483697 E22/G02 F 182,000.00 ZZ 180 182,000.00 1 5.375 1,475.05 52 5.125 1,475.05 KATY TX 77450 5 02/24/03 00 0415915636 03 04/01/03 0 0415915636 O 03/01/18 0 8483759 E22/G02 F 191,000.00 ZZ 180 191,000.00 3 6.250 1,637.68 70 6.000 1,637.68 COLORADO SPRING CO 80905 2 02/28/03 00 0416079739 05 04/01/03 0 0416079739 N 03/01/18 0 8483773 E22/G02 F 90,000.00 ZZ 180 90,000.00 4 5.875 753.41 68 5.625 753.41 GULFPORT MS 39501 2 02/28/03 00 0416091221 05 04/01/03 0 0416091221 N 03/01/18 0 8483861 E22/G02 F 244,000.00 ZZ 180 244,000.00 1 6.500 2,125.50 80 6.250 2,125.50 1 QUEEN CREEK AZ 85242 2 02/17/03 00 0416167518 03 04/01/03 0 0416167518 O 03/01/18 0 8483867 E22/G02 F 136,000.00 ZZ 180 136,000.00 2 5.500 1,111.23 58 5.250 1,111.23 VALLEJO CA 94590 5 02/21/03 00 0416194124 05 04/01/03 0 0416194124 O 03/01/18 0 8483881 E22/G02 F 101,000.00 ZZ 180 101,000.00 2 5.750 838.71 72 5.500 838.71 ALBUQUERQUE NM 87106 5 02/28/03 00 0416202463 05 04/01/03 0 0416202463 N 03/01/18 0 8483895 E22/G02 F 55,000.00 ZZ 180 55,000.00 1 5.750 456.73 36 5.500 456.73 LAKE WORTH FL 33461 5 02/24/03 00 0416217396 05 04/01/03 0 0416217396 O 03/01/18 0 8483909 E22/G02 F 71,500.00 ZZ 180 71,500.00 1 5.750 593.74 22 5.500 593.74 HOLLISTON MA 01746 5 02/24/03 00 0416234243 05 04/01/03 0 0416234243 O 03/01/18 0 8483915 E22/G02 F 148,500.00 ZZ 180 148,500.00 4 6.375 1,283.41 75 6.125 1,283.41 FAIRBANKS AK 99701 2 02/21/03 00 0416261444 05 04/01/03 0 0416261444 N 03/01/18 0 1 8483953 E22/G02 F 93,000.00 ZZ 180 93,000.00 1 5.625 766.07 54 5.375 766.07 MIAMI FL 33186 2 02/24/03 00 0415597483 05 04/01/03 0 0415597483 O 03/01/18 0 8484009 E22/G02 F 65,000.00 ZZ 180 65,000.00 1 5.375 526.80 85 5.125 526.80 LAWTON OK 73501 5 02/24/03 10 0415966852 05 04/01/03 12 0415966852 O 03/01/18 0 8484025 E22/G02 F 82,000.00 ZZ 180 82,000.00 1 5.875 686.44 61 5.625 686.44 ENUMCLAW WA 98022 2 02/17/03 00 0416030138 05 04/01/03 0 0416030138 N 03/01/18 0 8484051 E22/G02 F 152,000.00 ZZ 180 152,000.00 1 5.625 1,252.07 35 5.375 1,252.07 MIDDLETON MA 01949 2 02/24/03 00 0416036564 05 04/01/03 0 0416036564 O 03/01/18 0 8484053 E22/G02 F 101,300.00 ZZ 180 101,300.00 1 5.750 841.21 59 5.500 841.21 RANCHO CORDOVA CA 95670 2 02/18/03 00 0416040475 05 04/01/03 0 0416040475 O 03/01/18 0 8484055 E22/G02 F 58,000.00 ZZ 180 58,000.00 1 1 6.500 505.24 90 6.250 505.24 TAYLORVILLE IL 62568 2 02/24/03 04 0416041671 05 04/01/03 12 0416041671 O 03/01/18 0 8484065 E22/G02 F 39,600.00 ZZ 180 39,600.00 1 6.250 339.54 89 6.000 339.54 SPRINGFIELD MO 65806 2 02/24/03 01 0416052314 05 04/01/03 30 0416052314 O 03/01/18 0 8484083 E22/G02 F 107,000.00 ZZ 180 107,000.00 1 5.750 888.54 90 5.500 888.54 GULFPORT FL 33707 2 02/24/03 04 0416067932 05 04/01/03 25 0416067932 O 03/01/18 0 8484087 E22/G02 F 180,000.00 ZZ 180 180,000.00 2 6.000 1,518.94 70 5.750 1,518.94 WEST ORANGE NJ 07052 5 02/24/03 00 0416070324 05 04/01/03 0 0416070324 O 03/01/18 0 8484091 E22/G02 F 200,000.00 ZZ 180 200,000.00 1 5.750 1,660.82 64 5.500 1,660.82 DALLAS TX 75214 5 02/20/03 00 0416110781 05 04/01/03 0 0416110781 O 03/01/18 0 8484093 E22/G02 F 106,400.00 ZZ 180 106,400.00 1 5.375 862.34 80 5.125 862.34 CORVALLIS OR 97330 1 02/18/03 00 0416111987 05 04/01/03 0 1 0416111987 O 03/01/18 0 8484141 E22/G02 F 126,000.00 ZZ 180 126,000.00 1 5.625 1,037.90 78 5.375 1,037.90 GILBERT AZ 85234 2 02/12/03 00 0416176113 03 04/01/03 0 0416176113 O 03/01/18 0 8484153 E22/G02 F 130,000.00 ZZ 180 130,000.00 1 5.875 1,088.25 95 5.625 1,088.25 PAPILLION NE 68046 2 02/24/03 04 0416180958 05 04/01/03 25 0416180958 O 03/01/18 0 8484175 E22/G02 F 46,000.00 ZZ 180 46,000.00 1 6.000 388.17 89 5.750 388.17 DECATUR AL 35601 2 02/24/03 01 0416190668 05 04/01/03 25 0416190668 O 03/01/18 0 8484177 E22/G02 F 101,000.00 ZZ 180 101,000.00 2 5.750 838.71 72 5.500 838.71 ALBUQUERQUE NM 87106 5 02/28/03 00 0416234607 05 04/01/03 0 0416234607 N 03/01/18 0 8484211 E22/G02 F 101,000.00 ZZ 180 101,000.00 2 5.750 838.71 72 5.500 838.71 ALBUQUERQUE NM 87106 5 02/28/03 00 0416234680 05 04/01/03 0 0416234680 N 03/01/18 0 1 8484213 E22/G02 F 101,000.00 ZZ 180 101,000.00 2 5.750 838.71 71 5.500 838.71 ALBUQUERQUE NM 87108 5 02/28/03 00 0416234706 05 04/01/03 0 0416234706 N 03/01/18 0 8484221 E22/G02 F 81,900.00 ZZ 180 81,900.00 1 6.375 707.82 90 6.125 707.82 ORLANDO FL 32818 1 02/28/03 11 0416239002 05 04/01/03 20 0416239002 N 03/01/18 0 8484657 A19/G02 F 181,500.00 ZZ 180 181,500.00 2 5.375 1,470.99 55 5.125 1,470.99 LYNN MA 01904 2 02/24/03 00 0435461108 05 04/01/03 0 7745132 O 03/01/18 0 8485693 A06/G02 F 88,500.00 ZZ 180 88,500.00 1 5.500 723.12 39 5.250 723.12 HUDSONVILLE MI 49426 2 02/21/03 00 0435465661 05 04/01/03 0 021000020233729 O 03/01/18 0 8485765 X82/G02 F 182,400.00 ZZ 180 182,400.00 1 5.750 1,514.67 78 5.500 1,514.67 SPRINGFIELD VA 22151 2 02/18/03 00 0435460480 09 04/01/03 0 850405 O 03/01/18 0 8485823 950/G02 F 38,000.00 ZZ 180 38,000.00 1 5.750 315.56 59 5.500 315.56 1 SNOQUALMIE WA 98068 5 02/10/03 00 0435487095 01 04/01/03 0 EW31290 O 03/01/18 0 8485983 737/G02 F 84,000.00 ZZ 180 84,000.00 1 5.375 680.79 80 5.125 680.79 GARLAND TX 75043 2 02/19/03 00 0435474176 05 04/01/03 0 2104843 O 03/01/18 0 8485995 X51/G02 F 360,000.00 ZZ 180 360,000.00 1 5.500 2,941.50 80 5.250 2,941.50 FRANKLIN TN 37064 5 02/24/03 00 0435450143 05 04/01/03 0 0030203000 O 03/01/18 0 8486001 M24/G02 F 155,000.00 ZZ 180 155,000.00 1 6.375 1,339.59 60 6.125 1,339.59 LA MIRADA CA 90638 5 02/19/03 00 0435470703 05 04/01/03 0 201106735 N 03/01/18 0 8486111 Q14/G02 F 77,500.00 ZZ 180 77,500.00 1 5.875 648.77 62 5.625 648.77 ODESSA MO 64076 2 02/24/03 00 0435443981 05 04/01/03 0 0000311540 O 03/01/18 0 8486131 144/144 F 167,000.00 ZZ 180 166,407.18 1 5.625 1,375.63 40 5.375 1,375.63 YORKTOWN HEIGHT NY 10598 5 01/29/03 00 160712257 05 03/01/03 0 160712257 O 02/01/18 0 1 8486151 N74/G02 F 68,300.00 ZZ 180 68,300.00 1 5.875 571.75 77 5.625 571.75 DANVILLE VA 24540 5 02/20/03 00 0435464730 05 04/01/03 0 0031759010 O 03/01/18 0 8486215 E44/G02 F 148,800.00 ZZ 180 148,800.00 1 5.375 1,205.97 80 5.125 1,205.97 PLAIN CITY UT 84404 2 02/24/03 00 0435459680 05 04/01/03 0 50030012 O 03/01/18 0 8486243 N74/G02 F 53,000.00 ZZ 180 53,000.00 1 6.000 447.24 75 5.750 447.24 CONWAY AR 72034 2 02/20/03 00 0435468103 05 04/01/03 0 0031770010 O 03/01/18 0 8486247 624/G02 F 250,000.00 ZZ 180 250,000.00 1 5.375 2,026.16 24 5.125 2,026.16 WOODLAND HILLS CA 91367 5 02/18/03 00 0435447446 05 04/01/03 0 1000021904 O 03/01/18 0 8486251 E40/G02 F 200,000.00 ZZ 180 200,000.00 1 5.625 1,647.46 26 5.375 1,647.46 ARLINGTON MA 02476 5 02/24/03 00 0435460464 05 04/01/03 0 200202589 O 03/01/18 0 8486385 F36/G02 F 568,000.00 ZZ 180 568,000.00 1 1 5.875 4,754.83 64 5.625 4,754.83 GIG HARBOR WA 98332 2 02/05/03 00 0435460753 05 04/01/03 0 06505438 O 03/01/18 0 8487395 E22/G02 F 145,000.00 ZZ 180 145,000.00 1 6.500 1,263.11 77 6.250 1,263.11 FONTANA CA 92337 2 02/24/03 00 0416176907 05 04/01/03 0 0416176907 O 03/01/18 0 8487407 E22/G02 F 300,000.00 ZZ 180 300,000.00 1 5.500 2,451.25 80 5.250 2,451.25 OXFORD AL 36203 5 02/26/03 00 0416190734 05 04/01/03 0 0416190734 O 03/01/18 0 8487419 E22/G02 F 591,750.00 ZZ 180 591,750.00 1 5.625 4,874.43 60 5.375 4,874.43 HIGHLAND PARK IL 60035 5 02/26/03 00 0416206035 05 04/01/03 0 0416206035 O 03/01/18 0 8487429 E22/G02 F 195,000.00 ZZ 180 195,000.00 1 5.750 1,619.30 65 5.500 1,619.30 LUTZ FL 33558 2 02/26/03 00 0416221927 03 04/01/03 0 0416221927 O 03/01/18 0 8487453 E22/G02 F 39,648.00 ZZ 180 39,648.00 1 6.375 342.66 75 6.125 342.66 GULFPORT MS 39507 1 02/28/03 00 0416241487 05 04/01/03 0 1 0416241487 N 03/01/18 0 8487483 E22/G02 F 740,000.00 ZZ 180 740,000.00 1 5.625 6,095.61 42 5.375 6,095.61 HIGHLAND PARK IL 60035 5 02/25/03 00 0415826890 05 04/01/03 0 0415826890 O 03/01/18 0 8487549 E22/G02 F 368,500.00 ZZ 180 368,500.00 1 5.500 3,010.95 68 5.250 3,010.95 MONMOUTH OR 97361 2 02/22/03 00 0416025559 05 04/01/03 0 0416025559 O 03/01/18 0 8487693 E82/G02 F 64,200.00 ZZ 180 64,200.00 1 5.625 528.84 56 5.375 528.84 CEDAR PARK TX 78613 2 03/04/03 00 0400775821 05 04/01/03 0 0400775821 N 03/01/18 0 8488011 225/G02 F 609,750.00 ZZ 180 607,063.39 1 5.750 5,063.43 75 5.500 5,063.43 ORLANDO FL 32835 5 01/10/03 00 0435452230 03 03/01/03 0 006865901 O 02/01/18 0 8488083 225/G02 F 487,500.00 ZZ 180 485,787.69 1 5.750 4,048.25 75 5.500 4,048.25 VERONA NJ 07044 5 01/09/03 00 0435459318 05 03/01/03 0 006868452 O 02/01/18 0 1 8488085 225/G02 F 650,000.00 ZZ 180 647,716.91 1 5.750 5,397.67 72 5.500 5,397.67 PRINCETON TOWNS NJ 08540 5 12/30/02 00 0435452008 05 03/01/03 0 006868582 O 02/01/18 0 8488093 225/G02 F 395,000.00 ZZ 180 393,612.59 1 5.750 3,280.12 70 5.500 3,280.12 JACKSONVILLE FL 32256 5 01/15/03 00 0435451406 03 03/01/03 0 006868646 O 02/01/18 0 8488901 E84/G02 F 209,600.00 ZZ 180 209,600.00 1 5.750 1,740.54 80 5.500 1,740.54 DENVER CO 80231 5 01/31/03 00 0435478169 05 04/01/03 0 32810967 O 03/01/18 0 8488941 Q14/G02 F 53,900.00 ZZ 180 53,900.00 1 5.750 447.59 49 5.500 447.59 CEDAR RAPIDS IA 52405 5 02/24/03 00 0435449855 05 04/01/03 0 0000311418 O 03/01/18 0 8489089 U97/G02 F 494,000.00 ZZ 180 494,000.00 1 5.750 4,102.23 78 5.500 4,102.23 DALY CITY CA 94015 5 02/20/03 00 0435469333 05 04/01/03 0 7733579 O 03/01/18 0 8489233 K15/G02 F 96,300.00 ZZ 180 96,300.00 1 6.375 832.27 90 6.125 832.27 1 SAINT CLOUD MN 56301 5 02/24/03 41 0435454913 05 04/01/03 12 013205511693 O 03/01/18 0 8489257 X52/G02 F 155,000.00 T 180 155,000.00 1 5.375 1,256.22 76 5.125 1,256.22 BIG PINE KEY FL 33043 1 02/28/03 00 0435472295 05 04/01/03 0 402884492 O 03/01/18 0 8489259 K15/G02 F 81,000.00 ZZ 180 81,000.00 1 6.375 700.04 90 6.125 700.04 ST. LOUIS MO 63137 5 02/24/03 41 0435455266 05 04/01/03 12 001405510822 O 03/01/18 0 8489267 E47/G02 F 212,000.00 ZZ 180 212,000.00 1 5.375 1,718.19 79 5.125 1,718.19 DEARBORN HEIGHT MI 48127 5 02/18/03 00 0435468517 05 04/01/03 0 7360515151 O 03/01/18 0 8489579 U05/G02 F 90,000.00 ZZ 180 90,000.00 1 5.500 735.38 60 5.250 735.38 PORTLAND OR 97206 2 02/26/03 00 0435460811 05 04/01/03 0 3303448 N 03/01/18 0 8489591 U05/G02 F 87,000.00 ZZ 180 87,000.00 1 5.500 710.86 55 5.250 710.86 SAN BERNARDINO CA 92407 5 02/12/03 00 0435466982 05 04/01/03 0 3304991 O 03/01/18 0 1 8489625 U05/G02 F 230,000.00 ZZ 180 230,000.00 1 5.375 1,864.07 48 5.125 1,864.07 NORTHRIDGE CA 91326 1 02/18/03 00 0435456314 05 04/01/03 0 3312441 O 03/01/18 0 8489655 758/G02 F 231,120.00 ZZ 180 231,120.00 1 6.000 1,950.32 80 5.750 1,950.32 DENVER CO 80202 1 02/21/03 00 0435465802 06 04/01/03 0 612366 O 03/01/18 0 8490297 E47/G02 F 236,000.00 ZZ 180 236,000.00 1 5.875 1,975.60 70 5.625 1,975.60 ANTIOCH CA 94531 5 02/12/03 00 0435462296 05 04/01/03 0 7359513247 O 03/01/18 0 8490473 E22/G02 F 225,000.00 ZZ 180 225,000.00 1 5.750 1,868.42 75 5.500 1,868.42 WESTBURY NY 11590 5 02/26/03 00 0415941897 05 04/01/03 0 0415941897 O 03/01/18 0 8490539 E22/G02 F 150,000.00 ZZ 180 150,000.00 1 5.375 1,215.70 64 5.125 1,215.70 DOWAGIAC MI 49047 5 02/27/03 00 0416052454 05 04/01/03 0 0416052454 O 03/01/18 0 8490559 E22/G02 F 82,000.00 ZZ 180 82,000.00 1 1 5.375 664.58 41 5.125 664.58 MIAMI FL 33155 5 02/27/03 00 0416099729 05 04/01/03 0 0416099729 O 03/01/18 0 8490711 E82/G02 F 252,000.00 ZZ 180 252,000.00 1 6.000 2,126.52 74 5.750 2,126.52 GERMANTOWN MD 20876 5 02/28/03 00 0400759957 05 04/01/03 0 0400759957 O 03/01/18 0 8490715 E82/G02 F 49,300.00 ZZ 180 49,300.00 4 6.625 432.85 69 6.375 432.85 HUNTSVILLE AL 35805 2 03/04/03 00 0400774493 05 04/01/03 0 0400774493 N 03/01/18 0 8491093 U05/G02 F 138,500.00 ZZ 180 138,500.00 2 5.375 1,122.49 48 5.125 1,122.49 MONROVIA CA 91016 2 02/20/03 00 0435475207 05 04/01/03 0 3317139 O 03/01/18 0 8491171 U05/G02 F 118,500.00 ZZ 180 118,500.00 1 5.875 991.99 53 5.625 991.99 SCOTTSDALE AZ 85251 5 02/12/03 00 0435469341 05 04/01/03 0 3314192 O 03/01/18 0 8491217 K15/G02 F 159,700.00 ZZ 180 159,700.00 1 5.750 1,326.16 75 5.500 1,326.16 MONT VERNON NH 03057 5 02/24/03 00 0435459565 05 04/01/03 0 1 033605511506 O 03/01/18 0 8491433 U05/G02 F 101,900.00 ZZ 180 101,900.00 1 5.250 819.15 50 5.000 819.15 TOMBALL TX 77377 2 02/13/03 00 0435463088 03 04/01/03 0 3309052 O 03/01/18 0 8491437 G51/G02 F 228,000.00 ZZ 180 228,000.00 2 5.750 1,893.33 57 5.500 1,893.33 DENVER CO 80223 5 02/28/03 00 0435463278 05 04/01/03 0 20003720 O 03/01/18 0 8491789 286/286 F 116,800.00 ZZ 180 115,986.17 1 5.875 977.75 70 5.625 977.75 EVANS GA 30809 2 12/20/02 00 1792520 05 02/01/03 0 1792520 N 01/01/18 0 8491795 286/286 F 188,000.00 ZZ 180 187,353.54 2 6.000 1,586.46 80 5.750 1,586.46 CORAL SPRINGS FL 33065 1 01/07/03 00 1908127 05 03/01/03 0 1908127 N 02/01/18 0 8491799 286/286 F 30,150.00 ZZ 180 29,939.91 1 5.875 252.40 90 5.625 252.40 KNOXVILLE TN 37921 1 12/30/02 10 1767553 05 02/01/03 20 1767553 N 01/01/18 0 1 8491803 286/286 F 65,700.00 ZZ 180 64,937.24 1 5.750 545.58 57 5.500 545.58 HURST TX 76053 2 12/20/02 00 1855225 05 02/01/03 0 1855225 N 01/01/18 0 8491807 286/286 F 71,000.00 ZZ 180 70,474.30 1 5.500 580.13 45 5.250 580.13 CHARDON OH 44024 2 12/06/02 00 1672300 05 02/01/03 0 1672300 O 01/01/18 0 8491811 286/286 F 107,000.00 ZZ 180 106,616.14 2 5.500 874.28 80 5.250 874.28 GREENSBORO NC 27407 2 12/27/02 00 1786600 05 03/01/03 0 1786600 O 02/01/18 0 8491817 286/286 F 95,200.00 ZZ 180 94,536.66 1 5.875 796.94 74 5.625 796.94 NORFOLK VA 23518 5 12/19/02 00 1758431 01 02/01/03 0 1758431 O 01/01/18 0 8491821 286/286 F 56,250.00 ZZ 180 55,834.41 1 5.875 470.88 75 5.625 470.88 DENVER CO 80236 5 12/12/02 00 1784103 01 02/01/03 0 1784103 N 01/01/18 0 8491825 286/286 F 83,800.00 ZZ 180 83,198.97 1 5.875 701.51 61 5.625 701.51 1 EVANSVILLE IN 47715 2 12/20/02 00 1645072 05 02/01/03 0 1645072 O 01/01/18 0 8491829 286/286 F 219,700.00 ZZ 180 218,232.91 2 6.375 1,898.76 65 6.125 1,898.76 REVERE MA 02151 5 01/02/03 00 1837155 05 02/01/03 0 1837155 N 01/01/18 0 8491833 286/286 F 111,000.00 ZZ 180 110,564.23 1 5.875 929.21 52 5.625 929.21 BOTHELL WA 98011 2 01/06/03 00 1878766 05 03/01/03 0 1878766 N 02/01/18 0 8491837 286/286 F 100,000.00 ZZ 180 99,648.75 1 5.750 830.42 16 5.500 830.42 HUNTINGTON NY 11743 5 01/06/03 00 1797190 05 03/01/03 0 1797190 O 02/01/18 0 8491841 286/286 F 95,000.00 ZZ 180 94,358.80 1 6.250 814.56 76 6.000 814.56 NEWPORT NEWS VA 23608 5 12/13/02 00 1726842 05 02/01/03 0 1726842 O 01/01/18 0 8491845 286/286 F 105,000.00 ZZ 180 104,635.08 1 5.875 878.98 65 5.625 878.98 WELLINGTON FL 33414 5 01/16/03 00 1904204 05 03/01/03 0 1904204 N 02/01/18 0 1 8491849 286/286 F 280,000.00 ZZ 180 277,836.74 1 5.500 2,287.84 71 5.250 2,287.84 MILTON MA 02186 2 12/20/02 00 1705169 05 02/01/03 0 1705169 O 01/01/18 0 8491853 286/286 F 102,000.00 ZZ 180 101,010.89 1 5.875 853.87 65 5.625 853.87 DORCHESTER MA 02122 2 12/20/02 00 1705171 01 02/01/03 0 1705171 N 01/01/18 0 8491905 286/286 F 300,000.00 ZZ 180 297,842.55 1 5.500 2,451.26 66 5.250 2,451.26 SAN DIEGO CA 92124 5 12/26/02 00 1894357 05 02/01/03 0 1894357 O 01/01/18 0 8491911 286/286 F 86,000.00 ZZ 180 85,381.52 1 5.500 702.70 24 5.250 702.70 OCEAN TWP NJ 07755 5 12/20/02 00 1807736 05 02/01/03 0 1807736 O 01/01/18 0 8491917 286/286 F 94,200.00 ZZ 180 93,876.08 1 6.000 794.92 68 5.750 794.92 BALTIMORE MD 21230 2 01/10/03 00 1852801 05 03/01/03 0 1852801 N 02/01/18 0 8491923 286/286 F 238,000.00 ZZ 180 236,355.56 1 1 6.250 2,040.67 59 6.000 2,040.67 FAIRFAX VA 22033 5 12/19/02 00 1841232 05 02/01/03 0 1841232 O 01/01/18 0 8491929 286/286 F 99,586.00 ZZ 180 98,913.87 1 6.250 853.87 80 6.000 853.87 COLUMBUS OH 43214 2 12/31/02 00 1853595 05 03/01/03 0 1853595 N 02/01/18 0 8491933 286/286 F 124,000.00 ZZ 180 123,189.49 1 6.625 1,088.72 90 6.375 1,088.72 MANLIUS NY 13057 2 12/23/02 14 1745923 05 02/01/03 12 1745923 O 01/01/18 0 8491939 286/286 F 90,500.00 ZZ 180 89,876.04 1 6.000 763.70 65 5.750 763.70 PARK RIDGE IL 60068 2 12/27/02 00 1810448 01 02/01/03 0 1810448 N 01/01/18 0 8491943 286/286 F 126,000.00 ZZ 180 125,103.34 1 5.625 1,037.91 59 5.375 1,037.91 GLENVIEW IL 60025 2 12/27/02 00 1810478 01 02/01/03 0 1810478 N 01/01/18 0 8491951 286/286 F 140,000.00 ZZ 180 139,513.45 1 5.875 1,171.97 56 5.625 1,171.97 COLLEGE PARK MD 20740 1 01/03/03 00 1708374 05 03/01/03 0 1 1708374 N 02/01/18 0 8491955 286/286 F 105,000.00 ZZ 180 104,268.30 2 5.875 878.98 57 5.625 878.98 SOUTH KINGSTOWN RI 02879 5 12/24/02 00 1831835 05 02/01/03 0 1831835 O 01/01/18 0 8491959 286/286 F 141,400.00 ZZ 180 140,898.05 1 5.625 1,164.76 68 5.375 1,164.76 WASECA MN 56093 2 01/03/03 00 1767311 05 03/01/03 0 1767311 O 02/01/18 0 8491963 286/286 F 45,000.00 ZZ 180 44,709.02 1 6.750 398.21 90 6.500 398.21 RICHMOND VA 23223 1 12/13/02 12 1824384 05 02/01/03 25 1824384 N 01/01/18 0 8491967 286/286 F 100,350.00 ZZ 180 99,751.25 1 5.875 840.05 41 5.625 840.05 PEARLAND TX 77584 1 01/10/03 00 1871713 05 03/01/03 0 1871713 O 02/01/18 0 8491973 286/286 F 200,000.00 ZZ 180 199,312.28 2 6.000 1,687.72 72 5.750 1,687.72 SANTA ANA CA 92703 5 01/02/03 00 1644908 05 03/01/03 0 1644908 O 02/01/18 0 1 8491977 286/286 F 145,000.00 ZZ 180 144,479.80 1 5.500 1,184.78 49 5.250 1,184.78 SAN DIEGO CA 92105 2 01/03/03 00 1894301 05 03/01/03 0 1894301 O 02/01/18 0 8491981 286/286 F 126,500.00 ZZ 180 125,603.27 1 5.875 1,058.96 75 5.625 1,058.96 HIALEAH GARDENS FL 33018 5 12/20/02 00 1877935 05 02/01/03 0 1877935 O 01/01/18 0 8491985 286/286 F 88,000.00 ZZ 180 87,267.14 1 5.500 719.04 42 5.250 719.04 MIAMI FL 33155 2 12/09/02 00 1797856 05 02/01/03 0 1797856 O 01/01/18 0 8491989 286/286 F 60,700.00 ZZ 180 59,614.36 1 6.750 537.15 75 6.500 537.15 COLUMBUS OH 43220 1 12/27/02 00 1851809 01 02/01/03 0 1851809 N 01/01/18 0 8491993 286/286 F 126,400.00 ZZ 180 125,519.27 1 5.875 1,058.12 80 5.625 1,058.12 HIALEAH FL 33018 2 12/17/02 00 1788341 05 02/01/03 0 1788341 O 01/01/18 0 8491997 286/286 F 158,000.00 ZZ 180 156,842.52 1 5.625 1,301.50 68 5.375 1,301.50 1 EVERETT WA 98208 2 12/19/02 00 1792490 05 02/01/03 0 1792490 O 01/01/18 0 8492001 286/286 F 58,700.00 ZZ 180 58,496.00 1 5.875 491.39 51 5.625 491.39 TUCSON AZ 85704 5 01/08/03 00 1902987 05 03/01/03 0 1902987 N 02/01/18 0 8492005 286/286 F 111,000.00 ZZ 180 110,179.83 1 5.750 921.76 77 5.500 921.76 RICHMOND MN 56368 5 12/13/02 00 1782689 05 02/01/03 0 1782689 O 01/01/18 0 8492009 286/286 F 300,700.00 ZZ 180 298,225.87 1 6.250 2,578.28 61 6.000 2,578.28 VISTA CA 92083 2 12/11/02 00 1734893 05 02/01/03 0 1734893 N 01/01/18 0 8492011 286/286 F 120,000.00 ZZ 180 119,582.95 1 5.875 1,004.55 75 5.625 1,004.55 PENDLETON IN 46064 2 12/27/02 00 1747226 05 03/01/03 0 1747226 O 02/01/18 0 8492015 286/286 F 51,100.00 ZZ 180 50,394.14 1 6.000 431.22 48 5.750 431.22 RICHMOND VA 23228 2 12/27/02 00 1850619 05 02/01/03 0 1850619 N 01/01/18 0 1 8492019 286/286 F 71,000.00 ZZ 180 70,520.78 1 6.250 608.78 25 6.000 608.78 SEATTLE WA 98105 5 12/11/02 00 1804252 05 02/01/03 0 1804252 N 01/01/18 0 8492023 286/286 F 300,000.00 ZZ 180 296,856.84 1 5.875 2,511.36 58 5.625 2,511.36 BIRMINGHAM MI 48009 5 11/25/02 00 1750271 05 01/01/03 0 1750271 O 12/01/17 0 8492027 286/286 F 144,000.00 ZZ 180 142,867.37 1 6.125 1,224.90 80 5.875 1,224.90 ELKHART LAKE WI 53020 5 12/19/02 00 1805743 05 02/01/03 0 1805743 O 01/01/18 0 8492031 286/286 F 39,500.00 ZZ 180 39,218.90 1 5.625 325.38 49 5.375 325.38 BLOOMINGTON IL 61701 5 12/13/02 00 1758590 05 02/01/03 0 1758590 O 01/01/18 0 8492035 286/286 F 209,000.00 ZZ 180 207,496.98 1 5.500 1,707.71 59 5.250 1,707.71 ARVADA CO 80005 5 12/05/02 00 1798897 05 02/01/03 0 1798897 O 01/01/18 0 8492039 286/286 F 141,000.00 ZZ 180 140,038.15 2 1 6.125 1,199.39 80 5.875 1,199.39 FT LAUDERDALE FL 33312 1 12/20/02 00 1845074 05 02/01/03 0 1845074 O 01/01/18 0 8492045 286/286 F 190,000.00 ZZ 180 188,662.08 1 5.750 1,577.78 62 5.500 1,577.78 PEMBROKE PINES FL 33028 2 12/17/02 00 1760916 05 02/01/03 0 1760916 O 01/01/18 0 8492049 286/286 F 88,500.00 ZZ 180 87,730.06 1 5.875 740.85 56 5.625 740.85 VIRGINIA BEACH VA 23464 2 12/19/02 00 1869530 05 02/01/03 0 1869530 N 01/01/18 0 8492053 286/286 F 185,900.00 ZZ 180 184,461.40 1 6.125 1,581.32 80 5.875 1,581.32 LAS VEGAS NV 89141 1 12/27/02 00 1868100 05 02/01/03 0 1868100 N 01/01/18 0 8492057 286/286 F 89,000.00 ZZ 180 88,379.30 3 5.875 745.04 55 5.625 745.04 PROVIDENCE RI 02907 2 12/19/02 00 1883911 05 02/01/03 0 1883911 N 01/01/18 0 8492063 286/286 F 120,200.00 ZZ 180 119,777.80 1 5.750 998.16 44 5.500 998.16 LOCKPORT IL 60441 2 12/31/02 00 1789267 05 03/01/03 0 1 1789267 O 02/01/18 0 8492067 286/286 F 96,500.00 ZZ 180 95,862.46 1 6.500 840.62 58 6.250 840.62 PORTLAND OR 97229 2 12/17/02 00 1830011 05 02/01/03 0 1830011 N 01/01/18 0 8492071 286/286 F 96,500.00 ZZ 180 95,862.46 1 6.500 840.62 58 6.250 840.62 PORTLAND OR 97229 2 12/17/02 00 1837680 05 02/01/03 0 1837680 N 01/01/18 0 8492075 286/286 F 61,000.00 ZZ 180 60,790.24 1 6.000 514.76 75 5.750 514.76 LOUISVILLE KY 40213 2 01/06/03 00 1852870 05 03/01/03 0 1852870 O 02/01/18 0 8492081 286/286 F 136,000.00 ZZ 180 134,560.05 1 5.750 1,129.36 53 5.500 1,129.36 SYLVAN LAKE MI 48320 2 11/15/02 00 1680151 05 01/01/03 0 1680151 O 12/01/17 0 8492083 286/286 F 136,800.00 ZZ 180 135,351.58 1 5.750 1,136.00 90 5.500 1,136.00 PHOENIX AZ 85022 1 12/02/02 12 1796896 05 01/01/03 25 1796896 N 12/01/17 0 1 8492087 286/286 F 300,000.00 ZZ 180 298,935.05 1 5.625 2,471.20 22 5.375 2,471.20 NEW CANAAN CT 06840 2 12/30/02 00 1661484 05 03/01/03 0 1661484 O 02/01/18 0 8492091 286/286 F 110,000.00 ZZ 180 109,225.39 1 5.750 913.46 29 5.500 913.46 MILLTOWN NJ 08850 2 12/09/02 00 935700 05 02/01/03 0 935700 O 01/01/18 0 8492097 286/286 F 107,800.00 ZZ 180 107,048.87 1 5.875 902.42 54 5.625 902.42 ORLANDO FL 32801 2 12/12/02 00 1855939 05 02/01/03 0 1855939 N 01/01/18 0 8492101 286/286 F 250,000.00 ZZ 180 247,186.36 1 6.125 2,126.57 71 5.875 2,126.57 ROCHESTER HILLS MI 48307 5 11/26/02 00 1784480 05 01/01/03 0 1784480 O 12/01/17 0 8492105 286/286 F 103,700.00 ZZ 180 102,910.94 3 6.250 889.15 54 6.000 889.15 GREELEY CO 80631 2 12/13/02 00 1758239 05 02/01/03 0 1758239 N 01/01/18 0 8492107 286/286 F 52,000.00 ZZ 180 51,656.45 1 6.500 452.98 60 6.250 452.98 1 PERRIS CA 92570 5 11/23/02 00 1855367 05 02/01/03 0 1855367 N 01/01/18 0 8492115 286/286 F 267,000.00 ZZ 180 265,951.32 1 5.750 2,217.20 75 5.500 2,217.20 LONG BEACH CA 90815 5 01/03/03 00 1815498 05 03/01/03 0 1815498 N 02/01/18 0 8492119 286/286 F 46,000.00 ZZ 180 45,805.00 1 6.000 388.18 48 5.750 388.18 TACOMA WA 98387 2 01/06/03 00 1847036 05 03/01/03 0 1847036 N 02/01/18 0 8492125 286/286 F 70,000.00 ZZ 180 69,467.85 1 6.000 590.70 59 5.750 590.70 SPANAWAY WA 98387 2 12/30/02 00 1902740 05 02/01/03 0 1902740 N 01/01/18 0 8492127 286/286 F 44,200.00 ZZ 180 44,030.21 2 6.250 378.99 65 6.000 378.99 CAMBRIDGE CITY IN 47327 5 01/13/03 00 1926097 05 03/01/03 0 1926097 N 02/01/18 0 8492133 286/286 F 47,450.00 ZZ 180 47,290.28 1 6.250 406.85 65 6.000 406.85 INDIANAPOLIS IN 46201 5 01/09/03 00 1908734 05 03/01/03 0 1908734 N 02/01/18 0 1 8492137 286/286 F 76,250.00 ZZ 180 75,724.31 1 6.000 643.44 69 5.750 643.44 CHESAPEAKE VA 23322 2 12/27/02 00 0001117425 03 02/01/03 0 0001117425 N 01/01/18 0 8492139 286/286 F 107,200.00 ZZ 180 106,453.06 1 5.875 897.39 80 5.625 897.39 PORTSMOUTH VA 23703 1 12/30/02 00 0001245013 05 02/01/03 0 0001245013 N 01/01/18 0 8492173 286/286 F 315,500.00 ZZ 180 313,370.59 4 6.250 2,705.17 34 6.000 2,705.17 SANTA CRUZ CA 95062 2 12/24/02 00 1857564 05 02/01/03 0 1857564 N 01/01/18 0 8492175 286/286 F 103,000.00 ZZ 180 102,289.87 1 6.000 869.18 51 5.750 869.18 CARLSBAD CA 92009 2 12/13/02 00 1766515 01 02/01/03 0 1766515 N 01/01/18 0 8492181 286/286 F 35,000.00 ZZ 180 34,874.44 1 5.500 285.98 10 5.250 285.98 GRESHAM OR 97080 5 01/02/03 00 1869404 05 03/01/03 0 1869404 O 02/01/18 0 8492187 286/286 F 101,500.00 ZZ 180 100,785.26 1 1 5.750 842.87 36 5.500 842.87 SANTA ANA CA 92703 2 12/23/02 00 1819245 05 02/01/03 0 1819245 O 01/01/18 0 8492193 286/286 F 64,000.00 ZZ 180 63,586.14 1 6.750 566.35 80 6.500 566.35 BAYTOWN TX 77521 1 12/26/02 00 1863180 05 02/01/03 0 1863180 N 01/01/18 0 8492199 286/286 F 148,500.00 ZZ 180 148,000.16 1 6.250 1,273.28 38 6.000 1,273.28 THOUSAND OAKS CA 91362 2 01/02/03 00 1655693 05 03/01/03 0 1655693 N 02/01/18 0 8492201 286/286 F 40,000.00 ZZ 180 39,727.14 1 6.125 340.25 69 5.875 340.25 STEELE ND 58482 5 12/23/02 00 1683545 05 02/01/03 0 1683545 O 01/01/18 0 8492315 Q30/G02 F 181,000.00 ZZ 180 181,000.00 1 5.375 1,466.95 33 5.125 1,466.95 BROOKFIELD CT 06804 2 02/28/03 00 0435479076 05 04/01/03 0 21020100 O 03/01/18 0 8492415 286/286 F 113,821.00 T 180 113,052.78 1 6.250 975.93 76 6.000 975.93 SAN DIEGO CA 92108 5 12/12/02 00 1446659 01 02/01/03 0 1 1446659 O 01/01/18 0 8492417 286/286 F 400,000.00 ZZ 180 397,300.25 1 6.250 3,429.70 75 6.000 3,429.70 NEWTON MA 02462 2 12/26/02 00 1850175 05 02/01/03 0 1850175 O 01/01/18 0 8492419 286/286 F 108,000.00 ZZ 180 106,984.18 4 5.875 904.09 90 5.625 904.09 GLEED WA 98904 1 12/13/02 12 1811586 05 02/01/03 20 1811586 N 01/01/18 0 8492423 286/286 F 367,000.00 ZZ 180 364,415.68 1 5.750 3,047.61 27 5.500 3,047.61 FREMONT CA 94539 2 12/23/02 00 1599987 05 02/01/03 0 1599987 O 01/01/18 0 8492425 286/286 F 359,920.00 ZZ 180 357,295.45 1 5.750 2,988.82 80 5.500 2,988.82 TYNGSBORO MA 01879 1 12/26/02 00 1392215 05 02/01/03 0 1392215 O 01/01/18 0 8492427 286/286 F 400,000.00 ZZ 180 397,242.26 1 6.000 3,375.43 67 5.750 3,375.43 MILPITAS CA 95035 5 12/02/02 00 1763727 05 02/01/03 0 1763727 N 01/01/18 0 1 8492429 286/286 F 120,150.00 ZZ 180 119,364.68 4 6.625 1,054.91 90 6.375 1,054.91 YAKIMA WA 98902 1 12/13/02 12 1811526 05 02/01/03 20 1811526 N 01/01/18 0 8492431 286/286 F 291,000.00 ZZ 180 288,863.01 1 5.250 2,339.29 59 5.000 2,339.29 SEABROOK TX 77586 1 12/06/02 00 1736545 05 02/01/03 0 1736545 O 01/01/18 0 8492433 286/286 F 98,400.00 ZZ 180 97,735.87 1 6.250 843.70 80 6.000 843.70 PHOENIX AZ 85023 1 12/06/02 00 1754172 05 02/01/03 0 1754172 N 01/01/18 0 8492435 286/286 F 516,750.00 ZZ 180 513,149.43 1 5.875 4,325.81 75 5.625 4,325.81 CORAL GABLES FL 33133 1 12/12/02 00 1848678 05 02/01/03 0 1848678 O 01/01/18 0 8492451 286/286 F 288,000.00 ZZ 180 286,035.40 3 6.125 2,449.80 80 5.875 2,449.80 SANTA FE NM 87105 1 12/17/02 00 1779671 05 02/01/03 0 1779671 N 01/01/18 0 8492453 286/286 F 360,000.00 ZZ 180 357,411.06 1 5.500 2,941.51 50 5.250 2,941.51 1 LOS ANGELES CA 90045 2 12/11/02 00 1704558 05 02/01/03 0 1704558 O 01/01/18 0 8492455 286/286 F 39,375.00 ZZ 180 39,114.86 1 6.500 343.00 75 6.250 343.00 HOUSTON TX 77057 1 12/20/02 00 1893538 01 02/01/03 0 1893538 N 01/01/18 0 8492457 286/286 F 60,000.00 ZZ 180 59,802.33 1 6.500 522.67 58 6.250 522.67 SAINT PAUL MN 55106 5 01/03/03 00 1907446 05 03/01/03 0 1907446 O 02/01/18 0 8492461 286/286 F 369,000.00 ZZ 180 367,397.21 1 5.500 3,015.04 48 5.250 3,015.04 SAN DIEGO CA 92107 2 12/31/02 00 1823863 05 03/01/03 0 1823863 O 02/01/18 0 8492469 286/286 F 152,000.00 ZZ 180 151,460.42 1 5.625 1,252.08 69 5.375 1,252.08 SACRAMENTO CA 95829 1 01/13/03 00 1942166 05 03/01/03 0 1942166 N 02/01/18 0 8492685 144/144 F 180,000.00 ZZ 180 179,354.25 1 5.500 1,470.75 51 5.250 1,470.75 HIGH FALLS NY 12440 2 01/29/03 00 1 05 03/01/03 0 1 O 02/01/18 0 1 8492999 N74/G02 F 55,300.00 ZZ 180 55,300.00 2 6.250 474.15 70 6.000 474.15 MEMPHIS TN 38111 5 02/28/03 00 0435484597 05 04/01/03 0 0031882010 N 03/01/18 0 8493153 975/G02 F 172,500.00 ZZ 180 172,500.00 1 5.625 1,420.94 75 5.375 1,420.94 POMONA CA 91766 5 02/03/03 00 0435459334 05 04/01/03 0 2030259 O 03/01/18 0 8493265 X51/G02 F 400,000.00 ZZ 180 400,000.00 1 5.375 3,241.86 78 5.125 3,241.86 SAN DIEGO CA 92102 5 02/21/03 00 0435462841 05 04/01/03 0 030015001 O 03/01/18 0 8495379 E22/G02 F 52,000.00 ZZ 180 52,000.00 1 6.500 452.98 39 6.250 452.98 BATON ROUGE LA 70806 5 03/05/03 00 0416034528 05 04/01/03 0 0416034528 N 03/01/18 0 8495427 E22/G02 F 292,000.00 ZZ 180 292,000.00 1 5.625 2,405.30 80 5.375 2,405.30 SEATTLE WA 98166 5 02/26/03 00 0416126589 05 04/01/03 0 0416126589 O 03/01/18 0 8495839 E22/G02 F 52,000.00 ZZ 180 52,000.00 1 1 5.875 435.30 65 5.625 435.30 DELTON MI 49046 5 02/28/03 00 0416271534 05 04/01/03 0 0416271534 O 03/01/18 0 8495937 E84/G02 F 206,800.00 ZZ 180 206,065.90 1 5.625 1,703.48 79 5.375 1,703.48 ANNAPOLIS MD 21403 2 01/30/03 00 0435485560 05 03/01/03 0 70411892 O 02/01/18 0 8496331 E84/G02 F 195,000.00 ZZ 180 195,000.00 1 5.625 1,606.28 68 5.375 1,606.28 MILLERSVILLE MD 21108 5 02/10/03 00 0435485636 05 04/01/03 0 70411490 O 03/01/18 0 8497415 U35/G02 F 131,500.00 ZZ 120 131,500.00 1 5.875 1,451.68 85 5.625 1,451.68 BRAZIL IN 47834 5 03/04/03 01 0435484316 05 05/01/03 6 0007757994 O 04/01/13 0 8497777 K15/G02 F 169,600.00 ZZ 180 169,600.00 1 5.625 1,397.05 80 5.375 1,397.05 NASHUA NH 03060 5 02/24/03 00 0435470141 05 04/01/03 0 013405511735 O 03/01/18 0 8497831 E57/G02 F 100,000.00 ZZ 180 100,000.00 1 6.000 843.86 69 5.750 843.86 RIVERSIDE CA 92503 5 02/20/03 00 0435487152 05 04/01/03 0 1 06013733 O 03/01/18 0 8498105 U05/G02 F 355,000.00 ZZ 180 355,000.00 1 5.500 2,900.65 65 5.250 2,900.65 RANCHO CUCAMONG CA 91737 2 02/19/03 00 0435471503 05 04/01/03 0 3318345 O 03/01/18 0 8498505 975/G02 F 162,000.00 ZZ 180 162,000.00 1 5.625 1,334.45 55 5.375 1,334.45 SANTA ANA CA 92703 5 02/07/03 00 0435484225 05 04/01/03 0 2030623 O 03/01/18 0 8498587 975/G02 F 262,500.00 ZZ 180 262,500.00 4 5.625 2,162.30 70 5.375 2,162.30 LONG BEACH AREA CA 90806 1 02/12/03 00 0435467667 05 04/01/03 0 2030139 N 03/01/18 0 8498899 Q14/G02 F 153,000.00 ZZ 180 153,000.00 1 5.875 1,280.79 51 5.625 1,280.79 KANSAS CITY MO 64109 5 02/26/03 00 0435462064 05 04/01/03 0 0000311528 O 03/01/18 0 8498971 K15/G02 F 60,100.00 ZZ 180 60,100.00 1 6.375 519.41 89 6.125 519.41 SANDUSKY OH 44870 5 02/24/03 41 0435469978 05 04/01/03 12 028705506829 O 03/01/18 0 1 8499459 964/G02 F 146,000.00 ZZ 180 146,000.00 1 5.500 1,192.94 68 5.250 1,192.94 CANYON CITY OR 97820 2 02/06/03 00 0435468897 05 04/01/03 0 340504 O 03/01/18 0 8502215 E22/G02 F 362,000.00 ZZ 180 362,000.00 1 5.625 2,981.91 54 5.375 2,981.91 BAY HARBOR ISLA FL 33154 2 02/13/03 00 0416094894 05 04/01/03 0 0416094894 O 03/01/18 0 8502491 E84/G02 F 120,000.00 ZZ 180 119,608.91 1 6.625 1,053.59 73 6.375 1,053.59 ANNAPOLIS MD 21403 5 01/30/03 00 0435492798 01 03/01/03 0 66820410 N 02/01/18 0 8502505 U05/G02 F 180,000.00 ZZ 180 180,000.00 1 5.875 1,506.81 72 5.625 1,506.81 RANCHO CUCAMONG CA 91730 5 02/20/03 00 0435500517 03 04/01/03 0 3315587 O 03/01/18 0 8502585 K15/G02 F 63,000.00 ZZ 180 63,000.00 1 5.625 518.95 39 5.375 518.95 KEENE NH 03431 2 02/24/03 00 0435473186 05 04/01/03 0 033305511273 O 03/01/18 0 8502619 E84/G02 F 245,000.00 ZZ 180 244,139.46 1 5.750 2,034.50 80 5.500 2,034.50 1 GILFORD NH 03249 5 01/28/03 00 0435492715 05 03/01/03 0 37024728 O 02/01/18 0 8502781 W02/G02 F 77,900.00 ZZ 180 77,900.00 1 6.500 678.60 95 6.250 678.60 MEMPHIS TN 38127 5 02/24/03 26 0435495833 05 04/01/03 25 1001881530 O 03/01/18 0 8502821 M27/G02 F 117,000.00 T 180 117,000.00 1 5.500 955.99 76 5.250 955.99 NORTH MYRTLE BE SC 29582 2 03/05/03 00 0435496039 03 04/01/03 0 600887511 O 03/01/18 0 8502841 Q87/G02 F 48,000.00 ZZ 180 48,000.00 1 6.000 405.05 75 5.750 405.05 EIGHT MILE AL 36613 5 02/24/03 00 0435488960 05 04/01/03 0 PAGA02 O 03/01/18 0 8505813 X67/G02 F 85,000.00 ZZ 180 85,000.00 1 6.000 717.28 61 5.750 717.28 COMPTON CA 90222 5 02/13/03 00 0435494760 05 04/01/03 0 00283554 N 03/01/18 0 8507033 E22/G02 F 318,000.00 ZZ 180 318,000.00 1 5.625 2,619.47 87 5.375 2,619.47 LAKEWOOD CO 80215 2 03/03/03 01 0415868405 05 04/01/03 12 0415868405 O 03/01/18 0 1 8507059 E22/G02 F 61,400.00 ZZ 180 61,400.00 1 6.125 522.28 78 5.875 522.28 FOREST HILL TX 76140 2 03/03/03 00 0415977586 05 04/01/03 0 0415977586 O 03/01/18 0 8507063 E22/G02 F 152,000.00 ZZ 180 152,000.00 1 5.625 1,252.07 56 5.375 1,252.07 EATON CO 80615 5 02/26/03 00 0415986983 05 04/01/03 0 0415986983 O 03/01/18 0 8507135 E22/G02 F 344,000.00 ZZ 180 344,000.00 1 5.625 2,833.64 80 5.375 2,833.64 SEATTLE WA 98178 5 02/26/03 00 0416055119 05 04/01/03 0 0416055119 O 03/01/18 0 8507183 E22/G02 F 260,000.00 ZZ 180 260,000.00 1 5.625 2,141.70 74 5.375 2,141.70 AUSTIN TX 78737 5 03/03/03 00 0416122356 05 04/01/03 0 0416122356 O 03/01/18 0 8507213 E22/G02 F 290,000.00 ZZ 180 290,000.00 1 5.750 2,408.19 71 5.500 2,408.19 DALLAS TX 75252 5 03/03/03 00 0416158939 05 04/01/03 0 0416158939 O 03/01/18 0 8507233 E22/G02 F 156,000.00 ZZ 180 156,000.00 1 1 5.500 1,274.65 56 5.250 1,274.65 SAN ANTONIO TX 78204 5 03/03/03 00 0416172351 05 04/01/03 0 0416172351 O 03/01/18 0 8507247 E22/G02 F 110,300.00 ZZ 180 110,300.00 1 5.875 923.34 74 5.625 923.34 MISSOURI CITY TX 77489 5 02/28/03 00 0416201507 03 04/01/03 0 0416201507 O 03/01/18 0 8508139 S11/G02 F 175,700.00 ZZ 180 175,700.00 1 5.875 1,470.82 77 5.625 1,470.82 LONG BEACH CA 90810 5 02/14/03 00 0435494174 05 04/01/03 0 10210981 O 03/01/18 0 8508223 U05/G02 F 80,000.00 ZZ 180 80,000.00 1 5.500 653.67 88 5.250 653.67 WALLA WALLA WA 99362 2 02/21/03 14 0435493994 05 04/01/03 12 3311739 O 03/01/18 0 8508231 K15/G02 F 109,600.00 ZZ 180 109,238.94 1 6.500 954.73 83 6.250 954.73 MILACA MN 56353 5 01/27/03 42 0435474481 05 03/01/03 12 013205509827 O 02/01/18 0 8508321 X67/G02 F 207,000.00 ZZ 180 207,000.00 1 5.500 1,691.36 29 5.250 1,691.36 LOS ANGELES CA 90046 2 02/18/03 00 0435490941 05 04/01/03 0 1 00283476 O 03/01/18 0 8508861 U05/G02 F 75,050.00 TX 180 75,050.00 1 5.500 613.22 69 5.250 613.22 ARLINGTON TX 76015 5 02/21/03 00 0435492426 05 04/01/03 0 3316867 O 03/01/18 0 8509065 964/G02 F 332,500.00 ZZ 180 320,370.59 1 6.750 2,942.32 41 6.500 2,942.32 THE SEA RANCH CA 95497 2 03/12/02 00 0435474077 05 05/01/02 0 181009 N 04/01/17 0 8509735 U05/G02 F 150,000.00 TX 180 150,000.00 1 5.750 1,245.62 75 5.500 1,245.62 HUFFMAN TX 77336 5 02/21/03 00 0435497532 05 04/01/03 0 3305825 O 03/01/18 0 8510695 624/G02 F 70,000.00 ZZ 180 70,000.00 1 6.125 595.44 51 5.875 595.44 CHANDLER AZ 85225 2 02/19/03 00 0435489604 05 04/01/03 0 1000021120 O 03/01/18 0 8511103 952/G02 F 111,000.00 ZZ 180 111,000.00 2 5.625 914.34 60 5.375 914.34 HIGHLAND PARK NJ 08904 2 02/18/03 00 0435497607 05 04/01/03 0 20028616 O 03/01/18 0 1 8511951 E22/G02 F 90,000.00 ZZ 120 90,000.00 1 6.000 999.18 79 5.750 999.18 SPRING TX 77381 5 03/05/03 00 0416065738 05 05/01/03 0 0416065738 O 04/01/13 0 8514961 144/144 F 200,000.00 ZZ 180 200,000.00 1 5.750 1,660.82 30 5.500 1,660.82 NEW PALTZ NY 12561 5 02/04/03 00 02/WILLOW L 05 04/01/03 0 02/WILLOW L O 03/01/18 0 8517335 U05/G02 F 39,500.00 ZZ 180 39,500.00 1 6.250 338.68 52 6.000 338.68 ALVIN TX 77511 5 02/25/03 00 0435489547 05 04/01/03 0 3317948 O 03/01/18 0 8519511 K15/G02 F 44,200.00 ZZ 120 44,200.00 1 6.375 499.08 85 6.125 499.08 RACINE OH 45771 5 03/05/03 41 0435495643 05 05/01/03 6 028605506442 O 04/01/13 0 8530473 E22/G02 F 257,000.00 ZZ 120 257,000.00 2 5.875 2,837.12 78 5.625 2,837.12 CLIFTON NJ 07013 5 03/10/03 00 0416232361 05 05/01/03 0 0416232361 O 04/01/13 0 1 TOTAL NUMBER OF LOANS : 1,580 TOTAL ORIGINAL BALANCE : 263,614,489.79 TOTAL PRINCIPAL BALANCE : 262,018,495.17 TOTAL ORIGINAL P+I : 2,209,514.58 TOTAL CURRENT P+I : 2,209,514.58 *************************** * END OF REPORT * ***************************
EXHIBIT TWO SCHEDULE OF DISCOUNT FRACTIONS Schedule of Discount Fractions Loan Number Current Balance Net Mortgage Rate Discount Fraction PO Balance 8072953 $56,711.57 5.220% 5.0909% $2,887.13 8077041 $119,666.16 5.470% 0.5455% $652.72 8101779 $100,172.53 5.345% 2.8182% $2,823.04 8141851 $166,038.68 5.470% 0.5455% $905.67 8162995 $131,703.57 5.470% 0.5455% $718.38 8166209 $102,035.40 5.470% 0.5455% $556.56 8169495 $115,042.14 5.470% 0.5455% $627.50 8183093 $349,936.73 5.470% 0.5455% $1,908.75 8184591 $133,069.57 5.345% 2.8182% $3,750.14 8186311 $48,781.98 5.470% 0.5455% $266.08 8202107 $132,581.22 5.470% 0.5455% $723.17 8214263 $125,111.12 5.470% 0.5455% $682.42 8222545 $100,655.17 5.470% 0.5455% $549.03 8228589 $75,680.62 5.345% 2.8182% $2,132.82 8237679 $128,012.32 5.470% 0.5455% $698.25 8239299 $297,379.37 5.220% 5.0909% $15,139.31 8240135 $345,265.91 5.345% 2.8182% $9,730.22 8242977 $101,304.38 5.345% 2.8182% $2,854.94 8243741 $563,964.91 5.470% 0.5455% $3,076.17 8248951 $113,197.24 5.470% 0.5455% $617.44 8251699 $71,229.61 5.345% 2.8182% $2,007.38 8253763 $132,135.54 5.220% 5.0909% $6,726.90 8253909 $297,399.41 5.220% 5.0909% $15,140.33 8259463 $133,570.65 5.470% 0.5455% $728.57 8262299 $98,685.17 5.220% 5.0909% $5,023.97 8262365 $96,813.44 5.470% 0.5455% $528.07 8265883 $126,494.62 5.095% 7.3636% $9,314.60 8266585 $129,794.95 5.470% 0.5455% $707.97 8266755 $297,819.83 5.095% 7.3636% $21,930.37 8268853 $97,920.63 5.345% 2.8182% $2,759.58 8269615 $99,273.27 5.095% 7.3636% $7,310.12 8269619 $142,874.80 5.345% 2.8182% $4,026.47 8269627 $287,884.89 5.220% 5.0909% $14,655.96 8269903 $639,465.14 5.470% 0.5455% $3,487.99 8270707 $286,897.17 5.345% 2.8182% $8,085.28 8273023 $119,287.71 5.470% 0.5455% $650.66 8274941 $593,647.25 5.470% 0.5455% $3,238.08 8275611 $98,877.27 5.470% 0.5455% $539.33 8275695 $295,754.69 5.470% 0.5455% $1,613.21 8276569 $118,729.46 5.470% 0.5455% $647.62 8276933 $138,259.05 5.345% 2.8182% $3,896.39 8277135 $105,843.13 5.220% 5.0909% $5,388.38 8278731 $101,909.46 5.470% 0.5455% $555.87 8279275 $134,389.29 5.470% 0.5455% $733.03 8280243 $103,605.80 5.470% 0.5455% $565.12 8285343 $142,191.63 5.470% 0.5455% $775.59 8285671 $130,065.71 5.470% 0.5455% $709.45 8285861 $109,208.95 5.220% 5.0909% $5,559.73 8287105 $110,814.16 5.470% 0.5455% $604.44 8287197 $110,319.57 5.345% 2.8182% $3,109.01 8287207 $335,188.62 5.470% 0.5455% $1,828.30 8287231 $142,433.70 5.345% 2.8182% $4,014.04 8287333 $575,561.80 5.220% 5.0909% $29,301.33 Thursday, March 20, 2003 Page 1 of 13 8287447 $344,899.69 5.470% 0.5455% $1,881.27 8288523 $352,043.25 5.345% 2.8182% $9,921.22 8288633 $118,301.84 5.470% 0.5455% $645.28 8288639 $305,436.50 5.470% 0.5455% $1,666.02 8288853 $97,899.96 5.470% 0.5455% $534.00 8288867 $122,746.20 5.220% 5.0909% $6,248.90 8292697 $444,778.24 5.220% 5.0909% $22,643.26 8294411 $124,637.69 5.220% 5.0909% $6,345.19 8298085 $41,500.18 5.345% 2.8182% $1,169.55 8298131 $413,931.40 5.220% 5.0909% $21,072.87 8298201 $541,774.94 5.345% 2.8182% $15,268.20 8308371 $291,828.47 5.470% 0.5455% $1,591.79 8324173 $83,698.65 5.220% 5.0909% $4,261.02 8340219 $114,795.37 5.470% 0.5455% $626.16 8343967 $78,722.52 5.470% 0.5455% $429.40 8348422 $389,612.02 5.345% 2.8182% $10,979.98 8351415 $66,859.28 5.220% 5.0909% $3,403.75 8351426 $85,000.00 5.470% 0.5455% $463.64 8352334 $585,000.00 5.345% 2.8182% $16,486.36 8353236 $368,000.00 5.220% 5.0909% $18,734.55 8353568 $180,000.00 5.220% 5.0909% $9,163.64 8353572 $55,200.00 5.095% 7.3636% $4,064.73 8367265 $262,969.40 5.345% 2.8182% $7,410.96 8368667 $52,313.63 5.345% 2.8182% $1,474.29 8370453 $159,425.99 5.220% 5.0909% $8,116.23 8377721 $184,833.91 5.220% 5.0909% $9,409.73 8377955 $151,460.42 5.345% 2.8182% $4,268.43 8381391 $51,815.39 5.345% 2.8182% $1,460.25 8381509 $432,722.52 5.345% 2.8182% $12,194.91 8381529 $355,198.94 5.470% 0.5455% $1,937.45 8381537 $398,282.96 5.470% 0.5455% $2,172.45 8381539 $229,595.99 5.220% 5.0909% $11,688.52 8381549 $593,647.25 5.470% 0.5455% $3,238.08 8381559 $453,329.13 5.470% 0.5455% $2,472.70 8381561 $469,902.82 5.345% 2.8182% $13,242.72 8381567 $330,932.42 5.345% 2.8182% $9,326.28 8381577 $419,971.65 5.470% 0.5455% $2,290.75 8383841 $518,154.10 5.345% 2.8182% $14,602.52 8384139 $110,909.06 5.470% 0.5455% $604.96 8384545 $403,141.08 5.470% 0.5455% $2,198.95 8384673 $488,325.25 5.095% 7.3636% $35,958.50 8385425 $150,469.62 5.470% 0.5455% $820.74 8386223 $152,064.00 5.470% 0.5455% $829.44 8387101 $151,454.70 5.220% 5.0909% $7,710.42 8387507 $293,848.90 5.095% 7.3636% $21,637.96 8388923 $54,612.70 5.470% 0.5455% $297.89 8392991 $249,112.55 5.345% 2.8182% $7,020.44 8392997 $155,950.31 5.470% 0.5455% $850.64 8393085 $117,178.11 5.220% 5.0909% $5,965.43 8393703 $92,822.81 5.470% 0.5455% $506.31 8393821 $95,662.81 5.470% 0.5455% $521.80 8393979 $75,029.87 5.220% 5.0909% $3,819.70 8394815 $169,402.88 5.470% 0.5455% $924.02 8396337 $110,605.97 5.345% 2.8182% $3,117.08 8396621 $132,527.88 5.345% 2.8182% $3,734.88 8396889 $141,669.22 5.095% 7.3636% $10,432.01 8396905 $134,525.83 5.470% 0.5455% $733.78 Thursday, March 20, 2003 Page 2 of 13 8397011 $249,121.89 5.470% 0.5455% $1,358.85 8397055 $72,735.34 5.095% 7.3636% $5,355.97 8397815 $73,534.53 5.220% 5.0909% $3,743.58 8397933 $72,743.59 5.470% 0.5455% $396.78 8398017 $142,497.72 5.470% 0.5455% $777.26 8398025 $247,717.51 5.345% 2.8182% $6,981.13 8398083 $174,372.18 5.220% 5.0909% $8,877.13 8398451 $46,867.64 5.470% 0.5455% $255.64 8398533 $428,489.66 5.470% 0.5455% $2,337.22 8398535 $504,346.75 5.220% 5.0909% $25,675.83 8398537 $444,811.91 5.345% 2.8182% $12,535.61 8398539 $367,394.57 5.470% 0.5455% $2,003.97 8398897 $87,192.66 5.470% 0.5455% $475.60 8398903 $76,729.54 5.470% 0.5455% $418.52 8398937 $115,583.85 5.220% 5.0909% $5,884.27 8399395 $505,495.39 5.220% 5.0909% $25,734.31 8400247 $73,338.73 5.345% 2.8182% $2,066.82 8400633 $334,794.60 5.220% 5.0909% $17,044.09 8401303 $438,438.08 5.345% 2.8182% $12,355.98 8401381 $498,243.78 5.470% 0.5455% $2,717.69 8401425 $72,942.89 5.470% 0.5455% $397.87 8401503 $133,524.33 5.345% 2.8182% $3,762.96 8401535 $243,622.85 5.220% 5.0909% $12,402.62 8401769 $478,314.03 5.470% 0.5455% $2,608.99 8401781 $227,480.97 5.220% 5.0909% $11,580.85 8401793 $192,314.88 5.345% 2.8182% $5,419.78 8402033 $287,454.05 5.095% 7.3636% $21,167.07 8402373 $53,600.00 5.479% 0.3818% $204.65 8402585 $211,255.36 5.470% 0.5455% $1,152.30 8402737 $139,346.28 5.095% 7.3636% $10,260.95 8403487 $71,000.00 5.095% 7.3636% $5,228.18 8403663 $632,707.47 5.220% 5.0909% $32,210.56 8403713 $124,560.95 5.470% 0.5455% $679.42 8403717 $262,732.82 5.470% 0.5455% $1,433.09 8403819 $99,645.02 5.345% 2.8182% $2,808.18 8403875 $153,048.96 5.220% 5.0909% $7,791.58 8403971 $52,016.66 5.470% 0.5455% $283.73 8404323 $167,708.86 5.470% 0.5455% $914.78 8406429 $331,718.27 5.345% 2.8182% $9,348.42 8406959 $614,288.30 5.220% 5.0909% $31,272.86 8407185 $121,050.16 4.845% 11.9091% $14,415.97 8407237 $275,817.41 5.345% 2.8182% $7,773.04 8407269 $256,097.30 5.470% 0.5455% $1,396.89 8407311 $209,238.65 5.095% 7.3636% $15,407.57 8407315 $290,963.45 5.345% 2.8182% $8,199.88 8407339 $89,683.88 5.470% 0.5455% $489.18 8407373 $261,558.27 5.220% 5.0909% $13,315.69 8407385 $116,580.26 5.220% 5.0909% $5,935.00 8407389 $178,357.84 5.220% 5.0909% $9,080.04 8407397 $296,919.60 5.095% 7.3636% $21,864.08 8407429 $189,325.54 5.345% 2.8182% $5,335.54 8407501 $159,419.92 5.095% 7.3636% $11,739.10 8407505 $294,926.85 5.095% 7.3636% $21,717.34 8407513 $265,344.64 5.220% 5.0909% $13,508.45 8407527 $142,869.08 4.845% 11.9091% $17,014.41 8407535 $124,556.27 5.345% 2.8182% $3,510.22 8407537 $207,221.82 4.720% 14.1818% $29,387.82 Thursday, March 20, 2003 Page 3 of 13 8407553 $219,193.97 4.970% 9.6364% $21,122.33 8407555 $188,292.90 4.720% 14.1818% $26,703.36 8407557 $189,311.15 5.095% 7.3636% $13,940.18 8407567 $117,169.14 4.970% 9.6364% $11,290.84 8407621 $93,666.32 5.345% 2.8182% $2,639.69 8407629 $213,215.95 4.970% 9.6364% $20,546.26 8407631 $250,118.38 5.470% 0.5455% $1,364.28 8407637 $239,139.00 5.220% 5.0909% $12,174.35 8407647 $169,383.67 5.095% 7.3636% $12,472.80 8407653 $164,420.45 5.470% 0.5455% $896.84 8407671 $64,764.35 5.095% 7.3636% $4,769.01 8407691 $109,605.38 5.220% 5.0909% $5,579.91 8407701 $93,164.57 5.220% 5.0909% $4,742.92 8407907 $210,484.11 5.095% 7.3636% $15,499.28 8408309 $114,093.55 5.345% 2.8182% $3,215.36 8408343 $116,400.00 5.470% 0.5455% $634.91 8408359 $79,300.00 5.345% 2.8182% $2,234.82 8408417 $144,391.05 5.470% 0.5455% $787.59 8408491 $334,794.60 5.220% 5.0909% $17,044.09 8408549 $164,401.79 5.095% 7.3636% $12,105.95 8408605 $183,838.10 5.220% 5.0909% $9,359.03 8408655 $151,466.11 5.470% 0.5455% $826.18 8408695 $155,452.06 5.470% 0.5455% $847.92 8408709 $514,486.53 5.470% 0.5455% $2,806.29 8408723 $144,479.81 5.220% 5.0909% $7,355.34 8408729 $78,984.63 5.220% 5.0909% $4,021.04 8408779 $55,305.06 5.470% 0.5455% $301.66 8409609 $614,112.25 5.345% 2.8182% $17,306.80 8409611 $646,720.42 5.470% 0.5455% $3,527.57 8411017 $165,815.53 5.470% 0.5455% $904.45 8411211 $133,524.33 5.345% 2.8182% $3,762.96 8411399 $111,602.42 5.345% 2.8182% $3,145.16 8413197 $156,940.90 5.345% 2.8182% $4,422.88 8413207 $192,805.82 5.220% 5.0909% $9,815.57 8413217 $91,655.01 5.095% 7.3636% $6,749.14 8413237 $61,777.58 5.220% 5.0909% $3,145.04 8413289 $40,852.92 5.220% 5.0909% $2,079.79 8413323 $107,200.00 5.470% 0.5455% $584.73 8413329 $119,574.02 5.345% 2.8182% $3,369.81 8414269 $179,347.41 5.095% 7.3636% $13,206.49 8415331 $190,000.00 5.470% 0.5455% $1,036.36 8415357 $560,980.24 5.220% 5.0909% $28,558.99 8415501 $91,666.45 5.095% 7.3636% $6,749.98 8415515 $79,618.80 5.345% 2.8182% $2,243.80 8415569 $209,246.62 5.220% 5.0909% $10,652.56 8415577 $44,342.03 5.345% 2.8182% $1,249.64 8415599 $76,823.40 5.220% 5.0909% $3,911.01 8415615 $120,919.23 5.345% 2.8182% $3,407.72 8415629 $207,000.00 5.470% 0.5455% $1,129.09 8415883 $118,800.00 5.345% 2.8182% $3,348.00 8417975 $214,228.69 5.220% 5.0909% $10,906.19 8418171 $225,646.14 5.345% 2.8182% $6,359.12 8418181 $493,242.84 5.345% 2.8182% $13,900.48 8418197 $249,103.12 5.220% 5.0909% $12,681.61 8421141 $124,000.00 5.345% 2.8182% $3,494.55 8421583 $161,400.00 5.470% 0.5455% $880.36 8422811 $136,503.31 5.095% 7.3636% $10,051.61 Thursday, March 20, 2003 Page 4 of 13 8423175 $103,000.00 5.345% 2.8182% $2,902.73 8423281 $288,000.00 5.220% 5.0909% $14,661.82 8423301 $176,378.30 5.470% 0.5455% $962.06 8423383 $109,605.37 5.220% 5.0909% $5,579.91 8423451 $489,257.04 5.345% 2.8182% $13,788.15 8423501 $111,602.42 5.345% 2.8182% $3,145.16 8423597 $97,500.00 4.970% 9.6364% $9,395.45 8424095 $81,000.00 5.345% 2.8182% $2,282.73 8424115 $63,300.00 5.470% 0.5455% $345.27 8425263 $249,103.12 5.220% 5.0909% $12,681.61 8425381 $117,178.11 5.220% 5.0909% $5,965.43 8425891 $80,100.00 5.345% 2.8182% $2,257.36 8425893 $67,262.91 5.470% 0.5455% $366.89 8426051 $241,000.00 5.470% 0.5455% $1,314.55 8426093 $353,726.43 5.220% 5.0909% $18,007.89 8426537 $150,500.00 5.345% 2.8182% $4,241.36 8426583 $79,000.00 5.345% 2.8182% $2,226.36 8426739 $99,648.76 5.470% 0.5455% $543.54 8426819 $104,232.60 5.470% 0.5455% $568.54 8426973 $171,389.43 5.345% 2.8182% $4,830.07 8426977 $213,000.00 5.345% 2.8182% $6,002.73 8427005 $86,000.00 5.095% 7.3636% $6,332.73 8427075 $83,500.00 5.470% 0.5455% $455.45 8427125 $97,000.00 5.095% 7.3636% $7,142.73 8427133 $235,162.24 5.345% 2.8182% $6,627.30 8427205 $199,500.00 5.345% 2.8182% $5,622.27 8427231 $120,000.00 5.345% 2.8182% $3,381.82 8427259 $336,400.00 5.470% 0.5455% $1,834.91 8427269 $69,000.00 5.345% 2.8182% $1,944.55 8427345 $180,000.00 5.220% 5.0909% $9,163.64 8430333 $59,200.00 5.345% 2.8182% $1,668.36 8431275 $258,000.00 5.220% 5.0909% $13,134.55 8431419 $128,000.00 5.220% 5.0909% $6,516.36 8431587 $132,473.04 5.220% 5.0909% $6,744.08 8431697 $94,400.00 5.470% 0.5455% $514.91 8431971 $168,000.00 5.220% 5.0909% $8,552.73 8432157 $198,500.00 5.220% 5.0909% $10,105.45 8432159 $89,300.00 5.220% 5.0909% $4,546.18 8432475 $140,000.00 5.220% 5.0909% $7,127.27 8432535 $111,300.00 5.345% 2.8182% $3,136.64 8432553 $302,200.00 5.095% 7.3636% $22,252.91 8432587 $70,000.00 5.345% 2.8182% $1,972.73 8432617 $157,022.73 5.470% 0.5455% $856.49 8432713 $224,000.00 5.220% 5.0909% $11,403.64 8432735 $200,000.00 5.345% 2.8182% $5,636.36 8432741 $147,000.00 5.470% 0.5455% $801.82 8432761 $204,000.00 5.220% 5.0909% $10,385.45 8432779 $154,000.00 5.345% 2.8182% $4,340.00 8432785 $95,500.00 5.470% 0.5455% $520.91 8432789 $131,526.45 5.220% 5.0909% $6,695.89 8432821 $360,000.00 5.095% 7.3636% $26,509.09 8432831 $93,500.00 5.220% 5.0909% $4,760.00 8432845 $300,000.00 5.345% 2.8182% $8,454.55 8432851 $84,000.00 5.470% 0.5455% $458.18 8432879 $81,000.00 5.220% 5.0909% $4,123.64 8432951 $240,000.00 5.470% 0.5455% $1,309.09 8433053 $840,809.88 5.220% 5.0909% $42,804.87 Thursday, March 20, 2003 Page 5 of 13 8433391 $95,000.00 5.470% 0.5455% $518.18 8433405 $124,000.00 5.470% 0.5455% $676.36 8433409 $77,600.00 5.470% 0.5455% $423.27 8433495 $53,802.16 4.970% 9.6364% $5,184.57 8435281 $118,083.77 5.470% 0.5455% $644.09 8435315 $111,593.95 5.095% 7.3636% $8,217.37 8435581 $119,574.02 5.345% 2.8182% $3,369.81 8435631 $68,850.00 5.470% 0.5455% $375.55 8436415 $145,849.59 5.470% 0.5455% $795.54 8436417 $153,204.21 5.345% 2.8182% $4,317.57 8436429 $240,000.00 5.095% 7.3636% $17,672.73 8436435 $464,000.00 5.345% 2.8182% $13,076.36 8436439 $453,898.32 5.470% 0.5455% $2,475.81 8436517 $375,976.60 5.470% 0.5455% $2,050.78 8436965 $595,000.00 5.345% 2.8182% $16,768.18 8437015 $127,500.00 5.470% 0.5455% $695.45 8437019 $93,000.00 5.345% 2.8182% $2,620.91 8437023 $151,000.00 5.345% 2.8182% $4,255.45 8437075 $85,400.00 5.470% 0.5455% $465.82 8437123 $104,000.00 5.095% 7.3636% $7,658.18 8437535 $252,111.35 5.470% 0.5455% $1,375.15 8437587 $134,515.69 5.220% 5.0909% $6,848.07 8437663 $194,293.03 5.095% 7.3636% $14,307.03 8437947 $216,000.00 5.095% 7.3636% $15,905.45 8437953 $52,626.79 5.470% 0.5455% $287.06 8438295 $113,001.69 5.470% 0.5455% $616.37 8438471 $200,000.00 5.345% 2.8182% $5,636.36 8438495 $160,000.00 5.095% 7.3636% $11,781.82 8438497 $113,188.14 5.095% 7.3636% $8,334.76 8438531 $194,300.44 5.220% 5.0909% $9,891.66 8440211 $189,332.64 5.470% 0.5455% $1,032.72 8440439 $212,000.00 5.470% 0.5455% $1,156.36 8440533 $129,000.00 5.345% 2.8182% $3,635.45 8440537 $64,500.00 5.470% 0.5455% $351.82 8440541 $250,000.00 5.345% 2.8182% $7,045.45 8442073 $359,834.86 5.470% 0.5455% $1,962.74 8442443 $515,507.62 5.220% 5.0909% $26,244.02 8442659 $167,313.48 5.470% 0.5455% $912.62 8442675 $85,000.00 5.345% 2.8182% $2,395.45 8442703 $116,500.00 5.345% 2.8182% $3,283.18 8442719 $55,000.00 5.345% 2.8182% $1,550.00 8442779 $143,477.93 5.095% 7.3636% $10,565.19 8442789 $65,065.73 5.220% 5.0909% $3,312.44 8443379 $142,400.00 5.220% 5.0909% $7,249.45 8443537 $58,850.00 5.095% 7.3636% $4,333.50 8443581 $169,383.67 5.095% 7.3636% $12,472.80 8443583 $72,800.00 5.470% 0.5455% $397.09 8443589 $84,000.00 5.220% 5.0909% $4,276.36 8443591 $102,750.00 5.345% 2.8182% $2,895.68 8443619 $81,708.92 5.345% 2.8182% $2,302.71 8443787 $164,401.79 5.095% 7.3636% $12,105.95 8443815 $151,466.10 5.470% 0.5455% $826.18 8444643 $35,000.00 5.470% 0.5455% $190.91 8444647 $120,650.00 5.345% 2.8182% $3,400.14 8444651 $98,500.00 5.220% 5.0909% $5,014.55 8444691 $54,150.00 5.345% 2.8182% $1,526.05 8444777 $125,000.00 5.220% 5.0909% $6,363.64 Thursday, March 20, 2003 Page 6 of 13 8444857 $133,600.00 5.345% 2.8182% $3,765.09 8445465 $83,100.00 5.345% 2.8182% $2,341.91 8445531 $196,000.00 5.345% 2.8182% $5,523.64 8445587 $220,190.31 4.970% 9.6364% $21,218.34 8445621 $362,082.50 5.095% 7.3636% $26,662.44 8445627 $99,645.02 5.345% 2.8182% $2,808.18 8445629 $393,000.00 5.095% 7.3636% $28,939.09 8445643 $199,290.04 5.345% 2.8182% $5,616.36 8445665 $267,993.59 4.720% 14.1818% $38,006.36 8445695 $313,809.15 4.595% 16.4545% $51,635.87 8445787 $71,744.41 5.345% 2.8182% $2,021.89 8447335 $117,000.00 5.220% 5.0909% $5,956.36 8447493 $39,858.01 5.345% 2.8182% $1,123.27 8447563 $91,500.00 5.470% 0.5455% $499.09 8447571 $60,000.00 5.220% 5.0909% $3,054.55 8447733 $132,750.00 5.345% 2.8182% $3,741.14 8447835 $80,000.00 5.220% 5.0909% $4,072.73 8447863 $227,200.00 5.220% 5.0909% $11,566.55 8448171 $63,000.00 5.095% 7.3636% $4,639.09 8449553 $70,000.00 5.220% 5.0909% $3,563.64 8449939 $89,600.00 5.345% 2.8182% $2,525.09 8449947 $206,500.00 5.345% 2.8182% $5,819.55 8450039 $59,500.00 5.095% 7.3636% $4,381.36 8450203 $259,000.00 5.095% 7.3636% $19,071.82 8450319 $503,800.00 5.345% 2.8182% $14,198.00 8450349 $111,602.42 5.345% 2.8182% $3,145.16 8450401 $125,000.00 5.345% 2.8182% $3,522.73 8450771 $131,000.00 5.095% 7.3636% $9,646.36 8450791 $37,500.00 5.470% 0.5455% $204.55 8450797 $136,100.00 5.345% 2.8182% $3,835.55 8450837 $105,500.00 5.345% 2.8182% $2,973.18 8451147 $618,750.00 5.220% 5.0909% $31,500.00 8451291 $60,282.95 5.220% 5.0909% $3,068.95 8451297 $344,000.00 5.345% 2.8182% $9,694.55 8451415 $136,000.00 5.220% 5.0909% $6,923.64 8451559 $154,000.00 5.095% 7.3636% $11,340.00 8451573 $315,000.00 5.470% 0.5455% $1,718.18 8451781 $251,500.00 4.845% 11.9091% $29,951.36 8451855 $272,000.00 5.470% 0.5455% $1,483.64 8451867 $257,218.12 5.345% 2.8182% $7,248.87 8451877 $544,810.54 5.470% 0.5455% $2,971.69 8451881 $220,416.15 5.345% 2.8182% $6,211.73 8451883 $344,494.71 5.095% 7.3636% $25,367.34 8451907 $356,418.27 5.220% 5.0909% $18,144.93 8451909 $306,281.43 5.220% 5.0909% $15,592.51 8451915 $176,610.04 5.470% 0.5455% $963.33 8451919 $158,873.32 5.470% 0.5455% $866.58 8451931 $40,066.64 5.345% 2.8182% $1,129.15 8451965 $375,987.30 5.345% 2.8182% $10,596.01 8451967 $233,144.71 5.470% 0.5455% $1,271.70 8451969 $203,525.73 5.220% 5.0909% $10,361.31 8451979 $98,014.93 5.220% 5.0909% $4,989.85 8451985 $643,117.86 5.470% 0.5455% $3,507.92 8452001 $324,540.04 5.345% 2.8182% $9,146.13 8452007 $593,647.25 5.470% 0.5455% $3,238.08 8452017 $415,553.07 5.470% 0.5455% $2,266.65 8452023 $162,467.90 5.470% 0.5455% $886.19 Thursday, March 20, 2003 Page 7 of 13 8452027 $494,470.91 5.470% 0.5455% $2,697.11 8452029 $148,803.46 5.345% 2.8182% $4,193.55 8452037 $96,366.73 5.470% 0.5455% $525.64 8452043 $50,189.60 5.220% 5.0909% $2,555.11 8452097 $840,905.44 5.345% 2.8182% $23,698.24 8452101 $93,570.12 5.220% 5.0909% $4,763.57 8452103 $142,475.32 5.470% 0.5455% $777.14 8452113 $382,068.36 5.470% 0.5455% $2,084.01 8452115 $105,273.43 5.470% 0.5455% $574.22 8452127 $494,706.03 5.470% 0.5455% $2,698.40 8452131 $51,443.60 5.345% 2.8182% $1,449.77 8452137 $99,280.84 5.220% 5.0909% $5,054.30 8452147 $108,142.74 5.470% 0.5455% $589.87 8452149 $288,875.75 5.345% 2.8182% $8,141.04 8452181 $102,107.31 5.470% 0.5455% $556.95 8452199 $138,517.68 5.470% 0.5455% $755.55 8452215 $223,415.61 5.470% 0.5455% $1,218.63 8452221 $167,211.60 5.220% 5.0909% $8,512.59 8452225 $357,863.18 5.470% 0.5455% $1,951.98 8452235 $59,364.72 5.470% 0.5455% $323.81 8452755 $82,700.00 5.470% 0.5455% $451.09 8452759 $57,250.00 5.345% 2.8182% $1,613.41 8452773 $75,800.00 5.345% 2.8182% $2,136.18 8452779 $67,500.00 5.470% 0.5455% $368.18 8452995 $165,000.00 5.220% 5.0909% $8,400.00 8453013 $106,000.00 5.345% 2.8182% $2,987.27 8453045 $176,000.00 5.345% 2.8182% $4,960.00 8453097 $193,000.00 5.345% 2.8182% $5,439.09 8453109 $148,000.00 5.095% 7.3636% $10,898.18 8453161 $208,000.00 5.470% 0.5455% $1,134.55 8453823 $48,700.00 5.095% 7.3636% $3,586.09 8454589 $360,000.00 5.345% 2.8182% $10,145.45 8454731 $54,000.00 5.345% 2.8182% $1,521.82 8454813 $154,000.00 5.095% 7.3636% $11,340.00 8456587 $145,000.00 5.220% 5.0909% $7,381.82 8456595 $81,000.00 5.095% 7.3636% $5,964.55 8456733 $138,000.00 5.220% 5.0909% $7,025.45 8456849 $309,000.00 5.095% 7.3636% $22,753.64 8456861 $363,704.32 5.345% 2.8182% $10,249.85 8456865 $227,000.00 5.095% 7.3636% $16,715.45 8456869 $234,000.00 4.970% 9.6364% $22,549.09 8456891 $322,700.00 5.220% 5.0909% $16,428.36 8456919 $159,413.79 4.970% 9.6364% $15,361.69 8456931 $100,000.00 5.095% 7.3636% $7,363.64 8456933 $322,700.00 5.095% 7.3636% $23,762.45 8456947 $80,000.00 5.220% 5.0909% $4,072.73 8456955 $214,220.52 5.095% 7.3636% $15,774.42 8456957 $144,490.69 5.470% 0.5455% $788.13 8456977 $110,000.00 4.595% 16.4545% $18,100.00 8456981 $300,000.00 5.345% 2.8182% $8,454.55 8456985 $290,000.00 5.095% 7.3636% $21,354.55 8456991 $222,000.00 4.970% 9.6364% $21,392.73 8456993 $290,000.00 5.470% 0.5455% $1,581.82 8456995 $169,450.00 4.970% 9.6364% $16,328.82 8457001 $250,000.00 4.595% 16.4545% $41,136.36 8457003 $296,000.00 5.345% 2.8182% $8,341.82 8457023 $185,000.00 5.095% 7.3636% $13,622.73 Thursday, March 20, 2003 Page 8 of 13 8457025 $291,000.00 4.970% 9.6364% $28,041.82 8457027 $336,000.00 5.220% 5.0909% $17,105.45 8457031 $210,000.00 5.345% 2.8182% $5,918.18 8457035 $180,000.00 5.220% 5.0909% $9,163.64 8457039 $184,000.00 5.095% 7.3636% $13,549.09 8457043 $253,000.00 4.720% 14.1818% $35,880.00 8457049 $528,000.00 5.345% 2.8182% $14,880.00 8457051 $180,343.79 5.095% 7.3636% $13,279.86 8457081 $240,000.00 5.095% 7.3636% $17,672.73 8457105 $220,000.00 4.845% 11.9091% $26,200.00 8458173 $104,300.00 5.345% 2.8182% $2,939.36 8458179 $65,250.00 5.345% 2.8182% $1,838.86 8458185 $136,000.00 5.470% 0.5455% $741.82 8458227 $144,500.00 5.470% 0.5455% $788.18 8458257 $79,900.00 5.345% 2.8182% $2,251.73 8458261 $79,900.00 5.095% 7.3636% $5,883.55 8458265 $111,000.00 5.220% 5.0909% $5,650.91 8458325 $76,000.00 5.345% 2.8182% $2,141.82 8458335 $58,400.00 5.345% 2.8182% $1,645.82 8458359 $72,700.00 5.220% 5.0909% $3,701.09 8459003 $259,200.00 5.470% 0.5455% $1,413.82 8459075 $140,000.00 5.220% 5.0909% $7,127.27 8459123 $105,000.00 5.345% 2.8182% $2,959.09 8459143 $133,500.00 5.095% 7.3636% $9,830.45 8459323 $186,000.00 5.095% 7.3636% $13,696.36 8459383 $600,000.00 5.345% 2.8182% $16,909.09 8459481 $206,000.00 5.220% 5.0909% $10,487.27 8459513 $141,000.00 5.345% 2.8182% $3,973.64 8459529 $93,750.00 5.470% 0.5455% $511.36 8459543 $187,000.00 5.345% 2.8182% $5,270.00 8460897 $210,000.00 5.095% 7.3636% $15,463.64 8461423 $100,445.95 5.470% 0.5455% $547.89 8461513 $52,000.00 5.220% 5.0909% $2,647.27 8461625 $80,154.00 5.345% 2.8182% $2,258.89 8461967 $144,490.69 5.470% 0.5455% $788.13 8461973 $179,553.53 5.220% 5.0909% $9,140.91 8462027 $321,542.31 5.220% 5.0909% $16,369.43 8462043 $298,946.27 5.470% 0.5455% $1,630.62 8462045 $308,887.87 5.220% 5.0909% $15,725.20 8462051 $177,354.66 5.095% 7.3636% $13,059.75 8462053 $320,869.00 5.470% 0.5455% $1,750.19 8462085 $139,503.03 5.345% 2.8182% $3,931.45 8462087 $249,121.89 5.470% 0.5455% $1,358.85 8462089 $443,436.96 5.470% 0.5455% $2,418.75 8462111 $131,516.38 4.970% 9.6364% $12,673.40 8462117 $268,000.00 5.095% 7.3636% $19,734.55 8462129 $235,402.45 5.220% 5.0909% $11,984.12 8462131 $322,700.00 5.345% 2.8182% $9,094.27 8462135 $269,051.64 5.470% 0.5455% $1,467.55 8462139 $174,372.18 5.220% 5.0909% $8,877.13 8462141 $297,938.60 5.345% 2.8182% $8,396.45 8462147 $145,453.77 4.720% 14.1818% $20,627.99 8462149 $331,805.36 5.220% 5.0909% $16,891.91 8462157 $130,000.00 4.720% 14.1818% $18,436.36 8462159 $219,202.39 5.095% 7.3636% $16,141.27 8462165 $317,369.38 5.345% 2.8182% $8,944.05 8462171 $229,166.14 5.095% 7.3636% $16,874.96 Thursday, March 20, 2003 Page 9 of 13 8462173 $197,289.67 5.220% 5.0909% $10,043.84 8462183 $74,728.09 5.095% 7.3636% $5,502.70 8462189 $228,169.76 5.095% 7.3636% $16,801.59 8464303 $94,500.00 5.345% 2.8182% $2,663.18 8464305 $152,500.00 5.220% 5.0909% $7,763.64 8464313 $106,000.00 5.345% 2.8182% $2,987.27 8464321 $60,000.00 5.345% 2.8182% $1,690.91 8464337 $120,000.00 5.470% 0.5455% $654.55 8464349 $98,850.00 5.345% 2.8182% $2,785.77 8464593 $197,200.00 5.345% 2.8182% $5,557.45 8464643 $25,000.00 5.220% 5.0909% $1,272.73 8464649 $161,600.00 5.220% 5.0909% $8,226.91 8464691 $175,000.00 5.470% 0.5455% $954.55 8464723 $64,500.00 5.345% 2.8182% $1,817.73 8464727 $36,500.00 5.095% 7.3636% $2,687.73 8464789 $172,000.00 5.095% 7.3636% $12,665.45 8464977 $355,705.70 5.095% 7.3636% $26,192.87 8464981 $219,227.27 5.470% 0.5455% $1,195.79 8465125 $274,034.08 5.470% 0.5455% $1,494.73 8465135 $199,297.51 5.470% 0.5455% $1,087.08 8465227 $174,372.18 5.220% 5.0909% $8,877.13 8465293 $66,759.63 5.220% 5.0909% $3,398.67 8465485 $99,625.88 4.720% 14.1818% $14,128.76 8465489 $90,000.00 4.970% 9.6364% $8,672.73 8465495 $61,775.22 5.095% 7.3636% $4,548.90 8465517 $159,432.03 5.345% 2.8182% $4,493.08 8465635 $387,200.00 5.470% 0.5455% $2,112.00 8465783 $232,000.00 5.345% 2.8182% $6,538.18 8465877 $45,000.00 4.970% 9.6364% $4,336.36 8465903 $83,000.00 5.220% 5.0909% $4,225.45 8465907 $56,000.00 5.220% 5.0909% $2,850.91 8466153 $107,200.00 5.095% 7.3636% $7,893.82 8466211 $164,000.00 5.220% 5.0909% $8,349.09 8466767 $199,200.00 5.345% 2.8182% $5,613.82 8466819 $47,300.00 5.470% 0.5455% $258.00 8466841 $154,900.00 5.470% 0.5455% $844.91 8466845 $72,000.00 5.470% 0.5455% $392.73 8466863 $85,000.00 5.345% 2.8182% $2,395.45 8467125 $74,000.00 5.345% 2.8182% $2,085.45 8467135 $198,000.00 5.345% 2.8182% $5,580.00 8467173 $100,000.00 5.220% 5.0909% $5,090.91 8467185 $267,000.00 5.345% 2.8182% $7,524.55 8467229 $101,500.00 5.345% 2.8182% $2,860.45 8467261 $148,000.00 5.095% 7.3636% $10,898.18 8467267 $158,000.00 5.470% 0.5455% $861.82 8467303 $272,000.00 5.345% 2.8182% $7,665.45 8467759 $252,000.00 5.345% 2.8182% $7,101.82 8467771 $145,000.00 5.220% 5.0909% $7,381.82 8468095 $135,100.00 5.220% 5.0909% $6,877.82 8468253 $97,500.00 5.345% 2.8182% $2,747.73 8472665 $100,000.00 5.345% 2.8182% $2,818.18 8472691 $107,500.00 5.345% 2.8182% $3,029.55 8472693 $56,800.00 5.470% 0.5455% $309.82 8472703 $77,800.00 5.345% 2.8182% $2,192.55 8472731 $235,500.00 5.345% 2.8182% $6,636.82 8472981 $130,000.00 5.470% 0.5455% $709.09 8472985 $285,000.00 5.220% 5.0909% $14,509.09 Thursday, March 20, 2003 Page 10 of 13 8473113 $144,400.00 5.470% 0.5455% $787.64 8473269 $148,000.00 5.470% 0.5455% $807.27 8473439 $420,000.00 5.345% 2.8182% $11,836.36 8473547 $123,150.00 5.220% 5.0909% $6,269.45 8473831 $129,300.00 4.970% 9.6364% $12,459.82 8473859 $275,000.00 5.345% 2.8182% $7,750.00 8473863 $183,500.00 5.220% 5.0909% $9,341.82 8473955 $322,000.00 5.470% 0.5455% $1,756.36 8474035 $229,500.00 5.470% 0.5455% $1,251.82 8474097 $86,400.00 5.470% 0.5455% $471.27 8474181 $499,500.00 5.345% 2.8182% $14,076.82 8474349 $442,400.00 5.345% 2.8182% $12,467.64 8474403 $422,510.73 5.470% 0.5455% $2,304.60 8474989 $161,500.00 5.345% 2.8182% $4,551.36 8475007 $157,500.00 5.345% 2.8182% $4,438.64 8475009 $82,500.00 5.345% 2.8182% $2,325.00 8475021 $143,200.00 5.220% 5.0909% $7,290.18 8475057 $110,100.00 5.220% 5.0909% $5,605.09 8475061 $99,300.00 5.095% 7.3636% $7,312.09 8475093 $160,600.00 5.095% 7.3636% $11,826.00 8475103 $54,300.00 5.345% 2.8182% $1,530.27 8475113 $50,000.00 5.220% 5.0909% $2,545.45 8475145 $49,000.00 5.345% 2.8182% $1,380.91 8475167 $98,600.00 5.470% 0.5455% $537.82 8475233 $316,000.00 5.345% 2.8182% $8,905.45 8475287 $207,750.00 5.345% 2.8182% $5,854.77 8475337 $122,000.00 5.220% 5.0909% $6,210.91 8475401 $100,000.00 5.220% 5.0909% $5,090.91 8475421 $135,700.00 5.470% 0.5455% $740.18 8475423 $284,000.00 5.345% 2.8182% $8,003.64 8475435 $360,500.00 5.470% 0.5455% $1,966.36 8476473 $80,287.52 5.220% 5.0909% $4,087.36 8476575 $352,000.00 5.470% 0.5455% $1,920.00 8476611 $354,200.00 5.220% 5.0909% $18,032.00 8476651 $358,635.87 5.470% 0.5455% $1,956.20 8476939 $102,400.00 5.095% 7.3636% $7,540.36 8477095 $157,000.00 5.220% 5.0909% $7,992.73 8477413 $91,500.00 5.095% 7.3636% $6,737.73 8477779 $72,800.00 5.470% 0.5455% $397.09 8477819 $53,400.00 5.220% 5.0909% $2,718.55 8477867 $147,000.00 5.095% 7.3636% $10,824.55 8477885 $244,000.00 5.345% 2.8182% $6,876.36 8477911 $198,000.00 5.470% 0.5455% $1,080.00 8477971 $123,500.00 5.470% 0.5455% $673.64 8477993 $53,000.00 5.470% 0.5455% $289.09 8478451 $123,000.00 5.470% 0.5455% $670.91 8478693 $68,600.00 5.345% 2.8182% $1,933.27 8478859 $320,000.00 5.095% 7.3636% $23,563.64 8480333 $221,000.00 5.220% 5.0909% $11,250.91 8480571 $188,000.00 5.095% 7.3636% $13,843.64 8480737 $35,000.00 5.220% 5.0909% $1,781.82 8480889 $198,050.00 5.345% 2.8182% $5,581.41 8481093 $184,400.00 5.345% 2.8182% $5,196.73 8481405 $39,858.01 5.345% 2.8182% $1,123.27 8482089 $201,300.00 5.220% 5.0909% $10,248.00 8482171 $115,000.00 5.095% 7.3636% $8,468.18 8482207 $65,369.58 5.470% 0.5455% $356.56 Thursday, March 20, 2003 Page 11 of 13 8483697 $182,000.00 5.095% 7.3636% $13,401.82 8483867 $136,000.00 5.220% 5.0909% $6,923.64 8483881 $101,000.00 5.470% 0.5455% $550.91 8483895 $55,000.00 5.470% 0.5455% $300.00 8483909 $71,500.00 5.470% 0.5455% $390.00 8483953 $93,000.00 5.345% 2.8182% $2,620.91 8484009 $65,000.00 5.095% 7.3636% $4,786.36 8484051 $152,000.00 5.345% 2.8182% $4,283.64 8484053 $101,300.00 5.470% 0.5455% $552.55 8484083 $107,000.00 5.470% 0.5455% $583.64 8484091 $200,000.00 5.470% 0.5455% $1,090.91 8484093 $106,400.00 5.095% 7.3636% $7,834.91 8484141 $126,000.00 5.345% 2.8182% $3,550.91 8484177 $101,000.00 5.470% 0.5455% $550.91 8484211 $101,000.00 5.470% 0.5455% $550.91 8484213 $101,000.00 5.470% 0.5455% $550.91 8484657 $181,500.00 5.095% 7.3636% $13,365.00 8485693 $88,500.00 5.220% 5.0909% $4,505.45 8485765 $182,400.00 5.470% 0.5455% $994.91 8485823 $38,000.00 5.470% 0.5455% $207.27 8485983 $84,000.00 5.095% 7.3636% $6,185.45 8485995 $360,000.00 5.220% 5.0909% $18,327.27 8486131 $166,407.18 5.345% 2.8182% $4,689.66 8486215 $148,800.00 5.095% 7.3636% $10,957.09 8486247 $250,000.00 5.095% 7.3636% $18,409.09 8486251 $200,000.00 5.345% 2.8182% $5,636.36 8487407 $300,000.00 5.220% 5.0909% $15,272.73 8487419 $591,750.00 5.345% 2.8182% $16,676.59 8487429 $195,000.00 5.470% 0.5455% $1,063.64 8487483 $740,000.00 5.345% 2.8182% $20,854.55 8487549 $368,500.00 5.220% 5.0909% $18,760.00 8487693 $64,200.00 5.345% 2.8182% $1,809.27 8488011 $607,063.39 5.470% 0.5455% $3,311.25 8488083 $485,787.69 5.470% 0.5455% $2,649.75 8488085 $647,716.91 5.470% 0.5455% $3,533.00 8488093 $393,612.59 5.470% 0.5455% $2,146.98 8488901 $209,600.00 5.470% 0.5455% $1,143.27 8488941 $53,900.00 5.470% 0.5455% $294.00 8489089 $494,000.00 5.470% 0.5455% $2,694.55 8489257 $155,000.00 5.095% 7.3636% $11,413.64 8489267 $212,000.00 5.095% 7.3636% $15,610.91 8489579 $90,000.00 5.220% 5.0909% $4,581.82 8489591 $87,000.00 5.220% 5.0909% $4,429.09 8489625 $230,000.00 5.095% 7.3636% $16,936.36 8490473 $225,000.00 5.470% 0.5455% $1,227.27 8490539 $150,000.00 5.095% 7.3636% $11,045.45 8490559 $82,000.00 5.095% 7.3636% $6,038.18 8491093 $138,500.00 5.095% 7.3636% $10,198.64 8491217 $159,700.00 5.470% 0.5455% $871.09 8491433 $101,900.00 4.970% 9.6364% $9,819.45 8491437 $228,000.00 5.470% 0.5455% $1,243.64 8491803 $64,937.24 5.470% 0.5455% $354.20 8491807 $70,474.30 5.220% 5.0909% $3,587.78 8491811 $106,616.14 5.220% 5.0909% $5,427.73 8491837 $99,648.75 5.470% 0.5455% $543.54 8491849 $277,836.74 5.220% 5.0909% $14,144.42 8491905 $297,842.55 5.220% 5.0909% $15,162.89 Thursday, March 20, 2003 Page 12 of 13 8491911 $85,381.52 5.220% 5.0909% $4,346.70 8491943 $125,103.34 5.345% 2.8182% $3,525.64 8491959 $140,898.05 5.345% 2.8182% $3,970.76 8491977 $144,479.80 5.220% 5.0909% $7,355.34 8491985 $87,267.14 5.220% 5.0909% $4,442.69 8491997 $156,842.52 5.345% 2.8182% $4,420.11 8492005 $110,179.83 5.470% 0.5455% $600.98 8492031 $39,218.90 5.345% 2.8182% $1,105.26 8492035 $207,496.98 5.220% 5.0909% $10,563.48 8492045 $188,662.08 5.470% 0.5455% $1,029.07 8492063 $119,777.80 5.470% 0.5455% $653.33 8492081 $134,560.05 5.470% 0.5455% $733.96 8492083 $135,351.58 5.470% 0.5455% $738.28 8492087 $298,935.05 5.345% 2.8182% $8,424.53 8492091 $109,225.39 5.470% 0.5455% $595.77 8492115 $265,951.32 5.470% 0.5455% $1,450.64 8492181 $34,874.44 5.220% 5.0909% $1,775.43 8492187 $100,785.26 5.470% 0.5455% $549.74 8492315 $181,000.00 5.095% 7.3636% $13,328.18 8492423 $364,415.68 5.470% 0.5455% $1,987.72 8492425 $357,295.45 5.470% 0.5455% $1,948.88 8492431 $288,863.01 4.970% 9.6364% $27,835.89 8492453 $357,411.06 5.220% 5.0909% $18,195.47 8492461 $367,397.21 5.220% 5.0909% $18,703.86 8492469 $151,460.42 5.345% 2.8182% $4,268.43 8492685 $179,354.25 5.220% 5.0909% $9,130.76 8493153 $172,500.00 5.345% 2.8182% $4,861.36 8493265 $400,000.00 5.095% 7.3636% $29,454.55 8495427 $292,000.00 5.345% 2.8182% $8,229.09 8495937 $206,065.90 5.345% 2.8182% $5,807.31 8496331 $195,000.00 5.345% 2.8182% $5,495.45 8497777 $169,600.00 5.345% 2.8182% $4,779.64 8498105 $355,000.00 5.220% 5.0909% $18,072.73 8498505 $162,000.00 5.345% 2.8182% $4,565.45 8498587 $262,500.00 5.345% 2.8182% $7,397.73 8499459 $146,000.00 5.220% 5.0909% $7,432.73 8502215 $362,000.00 5.345% 2.8182% $10,201.82 8502585 $63,000.00 5.345% 2.8182% $1,775.45 8502619 $244,139.46 5.470% 0.5455% $1,331.67 8502821 $117,000.00 5.220% 5.0909% $5,956.36 8507033 $318,000.00 5.345% 2.8182% $8,961.82 8507063 $152,000.00 5.345% 2.8182% $4,283.64 8507135 $344,000.00 5.345% 2.8182% $9,694.55 8507183 $260,000.00 5.345% 2.8182% $7,327.27 8507213 $290,000.00 5.470% 0.5455% $1,581.82 8507233 $156,000.00 5.220% 5.0909% $7,941.82 8508223 $80,000.00 5.220% 5.0909% $4,072.73 8508321 $207,000.00 5.220% 5.0909% $10,538.18 8508861 $75,050.00 5.220% 5.0909% $3,820.73 8509735 $150,000.00 5.470% 0.5455% $818.18 8511103 $111,000.00 5.345% 2.8182% $3,128.18 8514961 $200,000.00 5.470% 0.5455% $1,090.91 Thursday, March 20, 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; (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. 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