EX-10.1 3 qs7ss.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 APRIL 1, 2003, TO STANDARD TERMS OF POOLING AND SERVICING AGREEMENT dated as of March 1, 2003 Mortgage Asset-Backed Pass-Through Certificates Series 2003-QS7 ===============================================================================
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 Section 3.01. Master Servicer to Act as Servicer. (See Section 3.01 of the Standard Terms)...............................................................21 Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement of Subservicers' and Sellers' Obligations. (See Section 3.02 of the Standard Terms)..........................................21 Section 3.03. Successor Subservicers. (See Section 3.03 of the Standard Terms)...21 Section 3.04. Liability of the Master Servicer. (See Section 3.04 of the Standard Terms)...................................................21 Section 3.05. No Contractual Relationship Between Subservicer and Trustee or Certificateholders. (See Section 3.05 of the Standard Terms).........21 Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee. (See Section 3.06 of the Standard Terms)..................................21 Section 3.07. Collection of Certain Mortgage Loan Payments; Deposits to Custodial Account............................................................. 21 Section 3.08. Subservicing Accounts; Servicing Accounts. (See Section 3.08 of the Standard Terms)......................................................22 Section 3.09 Access to Certain Documentation and Information Regarding the Mortgage Loans. (See Section 3.09 of the Standard Terms).............22 Section 3.10. Permitted Withdrawals from the Custodial Account. (See Section 3.10 of the Standard Terms)...............................................22 Section 3.11. Maintenance of the Primary Insurance Policies; Collections Thereunder. (See Section 3.11 of the Standard Terms).................22 Section 3.12. Maintenance of Fire Insurance and Omissions and Fidelity Coverage. (See Section 3.12 of the Standard Terms).............................22 Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and Modification Agreements; Certain Assignments. (See Section 3.13 of the Standard Terms)...............................................................23 Section 3.14. Realization Upon Defaulted Mortgage Loans. (See Section 3.14 of the Standard Terms)..................................................... 23 Section 3.15. Trustee to Cooperate; Release of Mortgage Files. (See Section 3.15 of the Standard Terms)...............................................23 Section 3.16. Servicing and Other Compensation; Compensating Interest. (See Section 3.16 of the Standard Terms)..........................................23 Section 3.17. Reports to the Trustee and the Company. (See Section 3.17 of the Standard Terms)......................................................23 Section 3.18. Annual Statement as to Compliance. (See Section 3.18 of the Standard Terms)...............................................................23 Section 3.19. Annual Independent Public Accountants' Servicing Report. (See Section 3.19 of the Standard Terms)..........................................23 Section 3.20. Rights of the Company in Respect of the Master Servicer. (See Section 3.20 of the Standard Terms)..........................................23 Section 3.21. Administration of Buydown Funds (See Section 3.21 of the Standard Terms) 23 Article IV PAYMENTS TO CERTIFICATEHOLDERS.................................................24 Section 4.01. Certificate Account. (See Section 4.01 of the Standard Terms).......24 Section 4.02. Distributions. ......................................................24 Section 4.03. Statements to Certificateholders; Exchange Act Reporting (See Section 4.03 of the Standard Terms)........................................................31 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)...........................31 Section 4.05. Allocation of Realized Losses. ......................................31 Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property. (See Section 4.06 of the Standard Terms)................................................33 Section 4.07. Optional Purchase of Defaulted Mortgage Loans. (See Section 4.07 of the Standard Terms)................................................................33 Section 4.08. Surety Bond. (See Section 4.08 of the Standard Terms)................33 Article V THE CERTIFICATES................................................................34 Article VI THE COMPANY AND THE MASTER SERVICER..........................................35 Article VII DEFAULT......................................................................36 Article VIII CONCERNING THE TRUSTEE.......................................................37 Article IX TERMINATION..................................................................38 Article X REMIC PROVISIONS............................................................39 Section 10.01. REMIC Administration. (See Section 10.01 of the Standard Terms)....39 Section 10.02.Master Servicer; REMIC Administrator and Trustee Indemnification. (See Section 10.02 of the Standard Terms)..........................................39 Section 10.03. Designation of REMICs...............................................39 Section 10.04. Distributions on the Uncertificated REMIC I and REMIC II Regular Interests..........................................................................39 Section 10.05. Compliance with Withholding Requirements............................41 Article XI MISCELLANEOUS PROVISIONS......................................................42 Section 11.01. Amendment. (See Section 11.01 of the Standard Terms)...............42 Section 11.02. Recordation of Agreement; Counterparts. (See Section 11.02 of the Standard Terms)....................................................................42 Section 11.03. Limitation on Rights of Certificateholders. (See Section 11.03 of the Standard Terms)....................................................................42 Section 11.04. Governing Laws. (See Section 11.04 of the Standard Terms)..........42 Section 11.05. Notices.............................................................42 Section 11.06. Required Notices to Rating Agency and Subservicer. (See Section 11.06 of the Standard Terms).............................................................43 Section 11.07. Severability of Provisions. (See Section 11.07 of the Standard Terms)43 Section 11.08. Supplemental Provisions for Resecuritization. (See Section 11.08 of the Standard Terms)................................................................43 Section 11.09. Allocation of Voting Rights.........................................43 Section 11.10. No Petition.........................................................43 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 April 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 - Senior/Interest April 25, Class A-1 6.00% $0.003 Only/Fixed Strip 2033 AAA/AAA $2,000,000.00 Class A-2 4.75% Senior/Fixed Rate April 25, $269,752,000.00 2033 AAA/AAA $25,000.00 Class A-3 Adjustable Senior/Floater/AdjustabApril 25, Rate4 $ 19,268,000.00 Rate 2033 AAA/AAA $25,000.00 Class A-4 Adjustable Senior/Inverse Rate4 Floater/Interest April 25, $0.005 Only/Adjustable Rate 2033 AAA/AAA $2,000,000.00 Class A-5 5.00% $12,023,000.00 Senior/Fixed Rate April 25, $25,000.00 2033 AAA/AAA Class A-P 0.00% $6,089,945.27 Senior/Principal April 25, $25,000.00 Only 2033 AAA/AAA Class A-V Variable $0.00 Senior/Interest April 25, 7 Rate6 Only/Variable Rate 2033 AAA/AAA 1 The Certificates, other than the Class A-P, Class A-V, Class B and Class R Certificates shall be Book-Entry Certificates. The Class A-P, Class A-V, Class B and Class R Certificates shall be delivered to the holders thereof in physical form. 2 The Certificates, other than the Class A-V and Class R Certificates, shall be issuable in minimum dollar denominations as indicated above (by Certificate Principal Balance or Notional Amount, as applicable) and integral multiples of $1 (or $1,000 in the case of the Class A-P, Class B-1, Class B-2 and Class B-3 Certificates) in excess thereof, except that one Certificate of any of the Class A-P and Class B-1, Class B-2 and Class B-3 Certificates that contain an uneven multiple of $1,000 shall be issued in a denomination equal to the sum of the related minimum denomination set forth above and such uneven multiple for such Class or the sum of such denomination and an integral multiple of $1,000. 3 The Class A-1 Certificates do not have a principal balance. For the purpose of calculating interest payments, interest on the Class A-1 Certificates will accrue on a notional amount equal to the product of 16.66666666667% multiplied by the aggregate certificate principal balance of the Class A-2, Class A-3 and Class A-5 Certificates. 4 -------------------- ----------- ---------------- --------------- --------- Adjustable Rates: Initial Formula Maximum Minimum -------------------- ----------- ---------------- --------------- --------- -------------------- ----------- ---------------- --------------- --------- Class A-3 1.83% LIBOR + 0.55% 8.50% 0.55% -------------------- ----------- ---------------- --------------- --------- -------------------- ----------- ---------------- --------------- --------- Class A-4 6.67% 7.95% - LIBOR 7.95% 0.00% 5 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 Certificate Principal Balance of the Class A-3 Certificates. 6 The initial Pass-Through Rate on the Class A-V Certificates is 0.1568%. 7 The Class A-V Certificates shall be issuable in minimum denominations of not less than a 20% Percentage Interest. 2 AGGREGATE INITIAL CERTIFICATE PASS-THROUGH PRINCIPAL MATURITY STANDARD & MINIMUM DESIGNATION RATE BALANCE FEATURES1 DATE POOR'S/FITCH DENOMINATIONS2 Class R-I 6.00% $100.00 Senior/Residual/Fixed April 25, 8 Rate 2033 AAA/AAA Class R-II 6.00% $100.00 Senior/Residual/Fixed April 25, 8 Rate 2033 AAA/AAA Class M-1 6.00% Mezzanine/ Fixed April 25, AA/NA $25,000.00 $7,759,200.00 Rate 2033 Class M-2 6.00% Mezzanine/ Fixed April 25, A/NA $250,000.00 $3,071,400.00 Rate 2033 Class M-3 6.00% Mezzanine/ Fixed April 25, BBB/NA $250,000.00 $2,263,100.00 Rate 2033 Class B-1 6.00% Subordinate/ Fixed April 25, BB/NA $250,000.00 $969,900.00 Rate 2033 Class B-2 6.00% Subordinate/ Fixed April 25, B/NA $250,000.00 $1,131,600.00 Rate 2033 Class B-3 6.00% Subordinate/ Fixed April 25, NA/NA $250,000.00 $970,553.90 Rate 2033
The Mortgage Loans have an aggregate principal balance as of the Cut-off Date of $323,298,899.17. In consideration of the mutual agreements herein contained, the Company, the Master Servicer and the Trustee agree as follows: ____________ 8 Each Class of the Class R Certificates shall be issuable in minimum denominations of not less than a 20% Percentage Interest; provided, however, that one Class R Certificate of each Class will be issuable to Residential Funding as "tax matters person" pursuant to Section 10.01(c) and (e) in a minimum denomination representing a Percentage Interest of not less than 0.01%. 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-3 or Class A-4 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) $103,982 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-QS7" 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-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: April 29, 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-QS7. Cut-off Date: April 1, 2003. Determination Date: With respect to any Distribution Date, the second Business Day prior to each Distribution Date. Discount Net Mortgage Rate: 6.00% per annum. 5 Due Period: With respect to each Distribution Date, the calendar month in which such Distribution Date occurs. Eligible Funds: On any Distribution Date, the portion, if any, of the Available Distribution Amount remaining after reduction by the sum of (i) the aggregate amount of Accrued Certificate Interest on the Senior Certificates, (ii) the Senior Principal Distribution Amount (determined without regard to Section 4.02(a)(ii)(Y)(D) hereof), (iii) the Class A-P Principal Distribution Amount (determined without regard to Section 4.02(b)(i)(E) hereof) and (iv) the aggregate amount of Accrued Certificate Interest on the Class M, Class B-1 and Class B-2 Certificates. Floater Certificates: Any one of the Class A-3 Certificates. -------------------- Fraud Loss Amount: As of any date of determination after the Cut-off Date, an amount equal to: (X) prior to the first anniversary of the Cut-off Date an amount equal to 2.00% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the Cut-off Date minus the aggregate amount of Fraud Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 of this Series Supplement since the Cut-off Date up to such date of determination and (Y) from the first to, but not including, the fifth anniversary of the Cut-off Date, an amount equal to (1) the lesser of (a) the Fraud Loss Amount as of the most recent anniversary of the Cut-off Date and (b) 1.00% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the most recent anniversary of the Cut-off Date minus (2) the aggregate amount of Fraud Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 since the most recent anniversary of the Cut-off Date up to such date of determination. On and after the fifth anniversary of the Cut-off Date, the Fraud Loss Amount shall be zero. The Fraud Loss Amount may be further reduced by the Master Servicer (including accelerating the manner in which such coverage is reduced) provided that prior to any such reduction, the Master Servicer shall (i) obtain written confirmation from each Rating Agency that such reduction shall not reduce the rating assigned to any Class of Certificates by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency and (ii) provide a copy of such written confirmation to the Trustee. Initial Monthly Payment Fund: $197,703, 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-1 Certificates, $50,173,833.33. With respect to the Class A-4 Certificates, $19,268,000.00. With respect to the Class A-V Certificates or Subclass thereof issued pursuant to Section 5.01(c), the aggregate Cut-off Date Principal Balance of the Mortgage Loans corresponding to the Uncertificated REMIC I Regular Interests Z represented by such Class or Subclass on such date. Initial Subordinate Class Percentage: With respect to each Class of Subordinate Certificates, an amount which is equal to the initial aggregate Certificate Principal Balance of such Class of Subordinate Certificates divided by the aggregate Stated Principal Balance of all the Mortgage Loans as of the Cut-off Date as follows: 6 Class M-1: 2.40% Class B-1: 0.30% Class M-2: 0.95% Class B-2: 0.35% Class M-3: 0.70% Class B-3: 0.30% Interest Accrual Period: With respect to any Class of Certificates (other than the Floater Certificates and the Inverse Floater Certificates) and any Distribution Date, the calendar month preceding the month in which such Distribution Date occurs. The Interest Accrual Period for the Floater Certificates and the Inverse Floater Certificates for any Distribution Date is the period beginning on the 25th day of the month preceding the month in which such Distribution Date occurs and ending on the 24th day of the month in which such Distribution Date occurs. Interest Only Certificates: Any one of the Class A-1, Class A-4 or Class A-V Certificates. The Interest Only Certificates will have no Certificate Principal Balance. Inverse Floater Certificates: Any one of the Class A-4 Certificates. ---------------------------- Maturity Date: April 25, 2033, the Distribution Date immediately following the latest scheduled maturity date of any Mortgage Loan. Mortgage Loan Schedule: The list or lists of the Mortgage Loans attached hereto as Exhibit One (as amended from time to time to reflect the addition of Qualified Substitute Mortgage Loans), which list or lists shall set forth the following information as to each Mortgage Loan: (i) the Mortgage Loan identifying number ("RFC LOAN #"); (ii) the maturity of the Mortgage Note ("MATURITY DATE"); (iii) the Mortgage Rate ("ORIG RATE"); (iv) the Subservicer pass-through rate ("CURR NET"); (v) the Net Mortgage Rate ("NET MTG RT"); (vi) the Pool Strip Rate ("STRIP"); (vii) the initial scheduled monthly payment of principal, if any, and interest ("ORIGINAL P & I"); (viii) the Cut-off Date Principal Balance ("PRINCIPAL BAL"); (ix) the Loan-to-Value Ratio at origination ("LTV"); (x) the rate at which the Subservicing Fee accrues ("SUBSERV FEE") and at which the Servicing Fee accrues ("MSTR SERV FEE"); 7 (xi) a code "T," "BT" or "CT" under the column "LN FEATURE," indicating that the Mortgage Loan is secured by a second or vacation residence; and (xii) a code "N" under the column "OCCP CODE," indicating that the Mortgage Loan is secured by a non-owner occupied residence. Such schedule may consist of multiple reports that collectively set forth all of the information required. Notional Amount: As of any Distribution Date, (i) with respect to the Class A-1 Certificates, an amount equal to the product of 16.66666666667% multiplied by the aggregate Certificate Principal Balance of the Class A-2, Class A-3 and Class A-5 Certificates immediately prior to such date, (ii) with respect to the Class A-4 Certificates, an amount equal to the Certificate Principal Balance of the Class A-3 Certificates immediately prior to such date and (iii) with respect to any Class A-V Certificates or Subclass thereof issued pursuant to Section 5.01(c), the aggregate Stated Principal Balance of the Mortgage Loans corresponding to the Uncertificated REMIC I Regular Interests Z represented by such Class or Subclass immediately prior to such date. Pass-Through Rate: With respect to the Senior Certificates (other than the Floater Certificates, Inverse Floater Certificates, Class A-V Certificates and Class A-P Certificates), Class M Certificates and Class B Certificates and any Distribution Date, the per annum rates set forth in the Preliminary Statement hereto. o With respect to the Floater Certificates and the initial Interest Accrual Period, 1.83% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to LIBOR plus 0.55%, subject to a maximum rate of 8.50% per annum and a minimum rate of 0.55% per annum. o With respect to the Inverse Floater Certificates and the initial Interest Accrual Period, 6.67% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 7.95% minus LIBOR, subject to a maximum rate of 7.95% per annum and a minimum rate of 0.00% per annum. With respect to the Class A-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 0.1568% 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 8 Date, at the close of business on the Cut-off Date). The Principal Only Certificates have no Pass-Through Rate and are not entitled to Accrued Certificate Interest. Prepayment Assumption: The prepayment assumption to be used for determining the accrual of original issue discount and premium and market discount on the Certificates for federal income tax purposes, which assumes a constant prepayment rate of 10.0% per annum of the then outstanding principal balance of the related Mortgage Loans in the first month of the life of such Mortgage Loans and an additional approximately 0.909091% per annum in each month thereafter until the twelfth month, and beginning in the twelfth month and in each month thereafter during the life of the Mortgage Loans, a constant prepayment rate of 20.0% per annum. Prepayment Distribution Percentage: With respect to any Distribution Date and each Class of Subordinate Certificates, under the applicable circumstances set forth below, the respective percentages set forth below: (i) For any Distribution Date prior to the Distribution Date in May 2008 (unless the Certificate Principal Balances of the Senior Certificates (other than the Class A-P Certificates), have been reduced to zero), 0%. (ii) For any Distribution Date not discussed in clause (i) above on which any Class of Subordinate Certificates are outstanding: (a) in the case of the Class of Subordinate Certificates then outstanding with the Highest Priority and each other Class of Subordinate Certificates for which the related Prepayment Distribution Trigger has been satisfied, a fraction, expressed as a percentage, the numerator of which is the Certificate Principal Balance of such Class immediately prior to such date and the denominator of which is the sum of the Certificate Principal Balances immediately prior to such date of (1) the Class of Subordinate Certificates then outstanding with the Highest Priority and (2) all other Classes of Subordinate Certificates for which the respective Prepayment Distribution Triggers have been satisfied; and (b) in the case of each other Class of Subordinate Certificates for which the Prepayment Distribution Triggers have not been satisfied, 0%; and (iii)Notwithstanding the foregoing, if the application of the foregoing percentages on any Distribution Date as provided in Section 4.02 of this Series Supplement (determined without regard to the proviso to the definition of "Subordinate Principal Distribution Amount") would result in a distribution in respect of principal of any Class or Classes of Subordinate Certificates in an amount greater than the remaining Certificate Principal Balance thereof (any such class, a "Maturing Class"), then: (a) the Prepayment Distribution Percentage of each Maturing Class shall be reduced to a level that, when applied as described above, would exactly reduce the Certificate Principal Balance of such Class to zero; (b) the Prepayment Distribution Percentage of each other Class of Subordinate Certificates (any such Class, a "Non-Maturing Class") shall be recalculated in accordance with the provisions in paragraph (ii) above, as if the Certificate Principal Balance of each Maturing Class had been reduced to zero (such percentage as recalculated, the "Recalculated Percentage"); (c) 9 the total amount of the reductions in the Prepayment Distribution Percentages of the Maturing Class or Classes pursuant to clause (a) of this sentence, expressed as an aggregate percentage, shall be allocated among the Non-Maturing Classes in proportion to their respective Recalculated Percentages (the portion of such aggregate reduction so allocated to any Non-Maturing Class, the "Adjustment Percentage"); and (d) for purposes of such Distribution Date, the Prepayment Distribution Percentage of each Non-Maturing Class shall be equal to the sum of (1) the Prepayment Distribution Percentage thereof, calculated in accordance with the provisions in paragraph (ii) above as if the Certificate Principal Balance of each Maturing Class had not been reduced to zero, plus (2) the related Adjustment Percentage. Principal Only Certificates: Any one of the Class A-P Certificates. Record Date: With respect to each Distribution Date and each Class of Certificates (other than the Adjustable Rate Certificates that are Book-Entry Certificates), the close of business on the last Business Day of the month preceding the month in which the related Distribution Date occurs. With respect to each Distribution Date and the Adjustable Rate Certificates (so long as they are Book-Entry Certificates), the close of business on the Business Day prior to such Distribution Date. Related Classes: As to any Uncertificated REMIC I Regular Interest, those classes of Certificates identified as "Related Classes of Certificates" to such Uncertificated REMIC I Regular Interest in the definition of Uncertificated REMIC I Regular Interest. REMIC I: The segregated pool of assets, with respect to which a REMIC election is to be made, consisting of: (i) the Mortgage Loans and the related Mortgage Files, (ii) all payments and collections in respect of the Mortgage Loans due after the Cut-off Date (other than Monthly Payments due in the month of the Cut-off Date) as shall be on deposit in the Custodial Account or in the Certificate Account and identified as belonging to the Trust Fund, including the proceeds from the liquidation of Additional Collateral for any Additional Collateral Loan, but not including amounts on deposit in the Initial Monthly Payment Fund, (iii) property which secured a Mortgage Loan and which has been acquired for the benefit of the Certificateholders by foreclosure or deed in lieu of foreclosure, (iv) the hazard insurance policies and Primary Insurance Policies, if any, the Pledged Assets with respect to each Pledged Asset Mortgage Loan, and the interest in the Surety Bond transferred to the Trustee pursuant to Section 2.01 herein, and 10 (v) all proceeds of clauses (i) through (iv) above. REMIC I Certificates: The Class R-I Certificates. -------------------- REMIC II: The segregated pool of assets consisting of the Uncertificated REMIC I Regular Interests conveyed in trust to the Trustee for the benefit of the holders of each Class of Certificates (other than the Class R-I Certificates) pursuant to Section 2.06, with respect to which a separate REMIC election is to be made. REMIC II Certificates: Any Class of Certificates (other than the Class R-I Certificates). Senior Certificate: Any one of the Class A Certificates or Class R Certificates, executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit A and Exhibit D. Senior Percentage: As of any Distribution Date, the lesser of 100% and a fraction, expressed as a percentage, the numerator of which is the aggregate Certificate Principal Balance of the Senior Certificates (other than the Class A-P Certificates) immediately prior to such Distribution Date and the denominator of which is the aggregate Stated Principal Balance of all of the Mortgage Loans (or related REO Properties) (other than the related Discount Fraction of each Discount Mortgage Loan) immediately prior to such Distribution Date. Senior Principal Distribution Amount: As to any Distribution Date before the Credit Support Depletion Date, the lesser of (a) the balance of the Available Distribution Amount remaining after the distribution of all amounts required to be distributed pursuant to Section 4.02(a)(i) and Section 4.02(a)(ii)(X) of this Series Supplement and (b) the sum of the amounts required to be distributed to the Senior Certificateholders on such Distribution Date pursuant to Sections 4.02(a)(ii)(Y), 4.02(a)(xvi) and 4.02(a)(xvii) of this Series Supplement. As to any Distribution Date on or after the Credit Support Depletion Date, the lesser of (a) the balance of the Available Distribution Amount remaining after the distribution of (i) all amounts required to be distributed pursuant to Section 4.02(a)(i) and (ii) the amount required to be distributed to the Class A-P Certificateholders pursuant to Section 4.02(c) of this Series Supplement, and (b) the sum of the amounts required to be distributed to the Senior Certificateholders on such Distribution Date pursuant to Sections 4.02(a)(ii)(Y), 4.02(a)(xvi) and 4.02(a)(xvii) of this Series Supplement. Special Hazard Amount: As of any Distribution Date, an amount equal to $3,232,989 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 11 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 37.5% (which percentage is equal to the percentage of Mortgage Loans by aggregate principal balance initially secured by Mortgaged Properties located in the State of California) and (ii) the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of the largest Mortgage Loan secured by a Mortgaged Property (or, with respect to a Cooperative Loan, the related Cooperative Apartment) located in the State of California. The Special Hazard Amount may be further reduced by the Master Servicer (including accelerating the manner in which coverage is reduced) provided that prior to any such reduction, the Master Servicer shall (i) obtain written confirmation from each Rating Agency that such reduction shall not reduce the rating assigned to any Class of Certificates by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency and (ii) provide a copy of such written confirmation to the Trustee. Subordinate Principal Distribution Amount: With respect to any Distribution Date and each Class of Subordinate Certificates, (a) the sum of (i) the product of (x) the related Subordinate Class Percentage for such Class and (y) the aggregate of the amounts calculated (without giving effect to the related Senior Percentages) for such Distribution Date under clauses (1), (2) and (3) of Section 4.02(a)(ii)(Y)(A); (ii) such Class's pro rata share, based on the Certificate Principal Balance of each Class of Subordinate Certificates then outstanding, of the principal collections described in Section 4.02(a)(ii)(Y)(B)(b) (without giving effect to the Senior Accelerated Distribution Percentage) to the extent such collections are not otherwise distributed to the Senior Certificates; (iii) the product of (x) the related Prepayment Distribution Percentage and (y) the aggregate of all Principal Prepayments in Full received in the related Prepayment Period and Curtailments received in the preceding calendar month (other than the related Discount Fraction of such Principal Prepayments in Full and Curtailments with respect to a Discount Mortgage Loan) to the extent not payable to the Senior Certificates; (iv) if such Class is the Class of Subordinate Certificates with the Highest Priority, any Excess Subordinate Principal Amount for such Distribution Date; and (v) any amounts described in clauses (i), (ii) and (iii) as determined for any previous Distribution Date, that remain undistributed to the extent that such amounts are not attributable to Realized Losses which have been allocated to a Class of Subordinate Certificates minus (b) the sum of (i) with respect to the Class of Subordinate Certificates with the Lowest Priority, any Excess Subordinate Principal Amount for such Distribution Date, and (ii) the 12 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 Subordinate Certificates, without giving effect to this clause (b)(ii), and the denominator of which is the sum of the principal distribution amounts for all Classes of Certificates other than the Class A-P Certificates, without giving effect to any reductions for the Capitalization Reimbursement Amount. Uncertificated Accrued Interest: With respect to each Distribution Date, (i) as to each Uncertificated REMIC I Regular Interest other than each Uncertificated REMIC I Regular Interest Z, an amount equal to the aggregate amount of Accrued Certificate Interest that would result under the terms of the definition thereof on the Related Classes of Certificates if the Pass-Through Rate on such Classes were equal to the Uncertificated Pass-Through Rate on such Uncertificated REMIC I Regular Interest, (ii) as to each Uncertificated REMIC I Regular Interest Z and each Uncertificated REMIC II Regular Interest Z, an amount equal to one month's interest at the Pool Strip Rate of the related Mortgage Loan on the principal balance of such Mortgage Loan reduced by such Interest's pro-rata share of any prepayment interest shortfalls or other reductions of interest allocable to the Class A-V Certificates. Uncertificated Pass-Through Rate: With respect to each of the Uncertificated REMIC I Regular Interests other than the Uncertificated REMIC I Regular Interests Z, the per annum rate specified in the definition of Uncertificated REMIC I Regular Interests. With respect to each Uncertificated REMIC I Regular Interest Z and each Uncertificated REMIC II Regular Interest Z, the Pool Strip Rate for the related Mortgage Loan. Uncertificated Principal Balance: With respect to each Uncertificated REMIC I Regular Interest, as defined in the definition of Uncertificated REMIC I Regular Interest. Uncertificated REMIC I Regular Interests: The Uncertificated REMIC I Regular Interests Z together with the interests identified in the table below, each representing an undivided beneficial ownership interest in REMIC I, and having the following characteristics: 1. The principal balance from time to time of each Uncertificated REMIC I Regular Interest identified in the table below shall be the amount identified as the Initial Principal Balance thereof in such table, minus the sum of (x) the aggregate of all amounts previously deemed distributed with respect to such interest and applied to reduce the Uncertificated Principal Balance thereof pursuant to Section 10.04(a)(ii) and (y) the aggregate of all reductions in Certificate Principal Balance deemed to have occurred in connection with Realized Losses that were previously deemed allocated to the Uncertificated Principal Balance of such Uncertificated REMIC I Regular Interest pursuant to Section 10.04(d), which equals the aggregate principal balance of the Classes of Certificates identified as related to such Uncertificated REMIC I Regular Interest in such table. 2. The Uncertificated Pass-Through Rate for each Uncertificated REMIC I Regular Interest identified in the table below shall be the per annum rate set forth in the Pass-Through Rate column of such table. 13 3. The Uncertificated REMIC I Distribution Amount for each REMIC I Regular Interest identified in the table below shall be, for any Distribution Date, the amount deemed distributed with respect to such Uncertificated REMIC I Regular Interest on such Distribution Date pursuant to the provisions of Section 10.04(a).
----------------------- --------------------------------- ------------------- ------------------- Uncertificated REMIC Related Classes of Certificates Pass-Through Rate Initial Principal I Regular Interest Balance ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- U Class A-1, Class A-2 5.75% $269,752,000.00 ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- V Class A-1, Class A-3, Class A-4 9.50% $19,268,000.00 ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- W Class A-1, Class A-5 6.00% $12,023,000.00 ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- X Class A-P 0.00% $6,089,945.27 ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- Y Class R-II, 6.00% $16,165,853.90 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 1,741 uncertificated partial undivided beneficial ownership interests in the Trust Fund, numbered sequentially from 1 to 1,741, 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 1,741 uncertificated partial undivided beneficial ownership interests in REMIC II numbered sequentially from 1 through 1,741 each relating to the identically numbered Uncertificated REMIC I Regular Interests Z, each having no principal balance and bearing interest at a rate equal to the related Pool Strip Rate on the Stated Principal Balance of the Mortgage Loan related to the identically numbered Uncertificated REMIC I Regular Interests Z, comprising such Uncertificated REMIC II Regular Interests Z's pro rata share of the amount distributed pursuant to Sections 10.04(a). Uncertificated REMIC II Regular Interests Distribution Amount: With respect to any Distribution Date, the sum of the amounts deemed to be distributed on the Uncertificated REMIC I Regular Interests Z for such Distribution Date pursuant to Section 10.04(a). 14 Underwriters: Greenwich Capital Markets, Inc. and Citigroup Global Markets Inc. Section 1.02. Use of Words and Phrases. ------------------------ "Herein," "hereby," "hereunder," "hereof," "hereinbefore," "hereinafter" and other equivalent words refer to the Pooling and Servicing Agreement as a whole. All references herein to Articles, Sections or Subsections shall mean the corresponding Articles, Sections and Subsections in the Pooling and Servicing Agreement. The definitions set forth herein include both the singular and the plural. Section 1.03. Determination of LIBOR. ---------------------- LIBOR applicable to the calculation of the Pass-Through Rates on the Floater Certificates and Inverse Floater Certificates, if any, for any Interest Accrual Period (other than the initial Interest Accrual Period) will be determined as described below: On each Distribution Date, LIBOR shall be established by the Trustee and, as to any Interest Accrual Period, will equal the rate for one month United States dollar deposits that appears on the Telerate Screen Page 3750 of the Moneyline Telerate Capital Markets Report as of 11:00 a.m., London time, on the second LIBOR Business Day prior to the first day of such Interest Accrual Period ("LIBOR Rate Adjustment Date"). "Telerate Screen Page 3750" means the display designated as page 3750 on the Telerate Service (or such other page as may replace page 3750 on that service for the purpose of displaying London interbank offered rates of major banks). If such rate does not appear on such page (or such other page as may replace that page on that service, or if such service is no longer offered, any other service for displaying LIBOR or comparable rates as may be selected by the Trustee after consultation with the Master Servicer), the rate will be the Reference Bank Rate. The "Reference Bank Rate" will be determined on the basis of the rates at which deposits in U.S. Dollars are offered by the reference banks (which shall be any three major banks that are engaged in transactions in the London interbank market, selected by the Trustee after consultation with the Master Servicer) as of 11:00 a.m., London time, on the day that is one LIBOR Business Day prior to the immediately preceding Distribution Date to prime banks in the London interbank market for a period of one month in amounts approximately equal to the aggregate Certificate Principal Balance of the Adjustable Rate Certificates then outstanding. The Trustee will request the principal London office of each of the reference banks to provide a quotation of its rate. If at least two such quotations are provided, the rate will be the arithmetic mean of the quotations rounded up to the next multiple of 1/16%. If on such date fewer than two quotations are provided as requested, the rate will be the arithmetic mean of the rates quoted by one or more major banks in New York City, selected by the Trustee after consultation with the Master Servicer, as of 11:00 a.m., New York City time, on such date for loans in U.S. Dollars to leading European banks for a period of one month in amounts approximately equal to the aggregate Certificate Principal Balance of the Adjustable Rate Certificates then outstanding. If no such quotations can be obtained, the rate will be LIBOR for the prior Distribution Date, or, in the case of the first LIBOR Rate Adjustment Date, 1.28% per annum; provided, however, if, under the priorities described above, LIBOR for a Distribution Date would be based on LIBOR for the previous Distribution Date for the third consecutive Distribution Date, the Trustee shall, after consultation with the Master Servicer, select an alternative comparable index (over which the Trustee 15 has no control), used for determining one-month Eurodollar lending rates that is calculated and published (or otherwise made available) by an independent party. "LIBOR Business Day" means any day other than (i) a Saturday or a Sunday or (ii) a day on which banking institutions in the city of London, England are required or authorized by law to be closed. The establishment of LIBOR by the Trustee on any LIBOR Rate Adjustment Date and the Master Servicer's subsequent calculation of the Pass-Through Rates applicable to each of the Floater Certificates and Inverse Floater Certificates for the relevant Interest Accrual Period, in the absence of manifest error, will be final and binding. Promptly following each LIBOR Rate Adjustment Date the Trustee shall supply the Master Servicer with the results of its determination of LIBOR on such date. Furthermore, the Trustee will supply the Pass-Through Rates on each of the Floater Certificates and Inverse Floater Certificates for the current and the immediately preceding Interest Accrual Period via the Trustee's internet website, which may be obtained by telephoning the Trustee at (800) 735-7777. 16 ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES Section 2.01. Conveyance of Mortgage Loans. (See Section 2.01 of the Standard Terms) Section 2.02. Acceptance by Trustee. (See Section 2.02 of the Standard Terms) Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Company. (a) For representations, warranties and covenants of the Master Servicer, see Section 2.03(a) of the Standard Terms. (b) The Company hereby represents and warrants to the Trustee for the benefit of Certificateholders that as of the Closing Date (or, if otherwise specified below, as of the date so specified): (i) No Mortgage Loan is 30 or more days Delinquent in payment of principal and interest as of the Cut-off Date and no Mortgage Loan has been so Delinquent more than once in the 12-month period prior to the Cut-off Date; (ii) The information set forth in Exhibit One hereto with respect to each Mortgage Loan or the Mortgage Loans, as the case may be, is true and correct in all material respects at the date or dates respecting which such information is furnished; (iii) The Mortgage Loans are fully-amortizing, fixed-rate mortgage loans with level Monthly Payments due, with respect to a majority of the Mortgage Loans, on the first day of each month, and terms to maturity at origination or modification of not more than 30 years; (iv) To the best of the Company's knowledge, except with respect to six Mortgage Loans representing approximately 0.2% of the principal balance of the Mortgage Loans at origination, if a Mortgage Loan is secured by a Mortgaged Property with a Loan-to-Value Ratio at origination in excess of 80%, such Mortgage Loan is the subject of a Primary Insurance Policy that insures (a) at least 35% of the Stated Principal Balance of the Mortgage Loan at origination if the Loan-to-Value Ratio is between 100.00% and 95.01%, (b) at least 30% of the Stated Principal Balance of the Mortgage Loan at origination if the Loan-to-Value Ratio is between 95.00% and 90.01%, (c) at least 25% of such balance if the Loan-to-Value Ratio is between 90.00% and 85.01% and (d) at least 12% of such balance if the Loan-to-Value Ratio is between 85.00% and 80.01%. To the best of the Company's knowledge, each such Primary Insurance Policy is in full force and effect and the Trustee is entitled to the benefits thereunder; (v) The issuers of the Primary Insurance Policies are insurance companies whose claims-paying abilities are currently acceptable to each Rating Agency; 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 0.5% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date are secured by Mortgaged Properties located in any one zip code area outside California; (vii) The improvements upon the Mortgaged Properties are insured against loss by fire and other hazards as required by the Program Guide, including flood insurance if required under the National Flood Insurance Act of 1968, as amended. The Mortgage requires the Mortgagor to maintain such casualty insurance at the Mortgagor's expense, and on the Mortgagor's failure to do so, authorizes the holder of the Mortgage to obtain and maintain such insurance at the Mortgagor's expense and to seek reimbursement therefor from the Mortgagor; (viii) Immediately prior to the assignment of the Mortgage Loans to the Trustee, the Company had good title to, and was the sole owner of, each Mortgage Loan free and clear of any pledge, lien, encumbrance or security interest (other than rights to servicing and related compensation) and such assignment validly transfers ownership of the Mortgage Loans to the Trustee free and clear of any pledge, lien, encumbrance or security interest; (ix) Approximately 59.99% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a reduced loan documentation program, approximately 13.35% 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 1.80% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a no income/no asset program; (x) Except with respect to approximately 26.78% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date, the Mortgagor represented in its loan application with respect to the related Mortgage Loan that the Mortgaged Property would be owner-occupied; (xi) None of the Mortgage Loans is a Buy-Down Mortgage Loan; (xii) Each Mortgage Loan constitutes a qualified mortgage under Section 860G(a)(3)(A) of the Code and Treasury Regulations Section 1.860G-2(a)(1); (xiii) A policy of title insurance was effective as of the closing of each Mortgage Loan and is valid and binding and remains in full force and effect, unless the Mortgaged Properties are located in the State of Iowa and an attorney's certificate has been provided as described in the Program Guide; (xiv) None of the Mortgage Loans is a Cooperative Loan; with respect to a Mortgage Loan that is a Cooperative Loan, the Cooperative Stock that is pledged as security for the Mortgage Loan is held by a person as a tenant-stockholder (as defined in Section 216 of the Code) in a cooperative housing corporation (as defined in Section 216 of the Code); 18 (xv) With respect to each Mortgage Loan originated under a "streamlined" Mortgage Loan program (through which no new or updated appraisals of Mortgaged Properties are obtained in connection with the refinancing thereof), the related Seller has represented that either (a) the value of the related Mortgaged Property as of the date the Mortgage Loan was originated was not less than the appraised value of such property at the time of origination of the refinanced Mortgage Loan or (b) the Loan-to-Value Ratio of the Mortgage Loan as of the date of origination of the Mortgage Loan generally meets the Company's underwriting guidelines; (xvi) Interest on each Mortgage Loan is calculated on the basis of a 360-day year consisting of twelve 30-day months; (xvii) None of the Mortgage Loans contain in the related Mortgage File a Destroyed Mortgage Note; (xviii) None of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date will have been made to International Borrowers, and no such Mortgagor is a member of a foreign diplomatic mission with diplomatic rank; (xix) No Mortgage Loan provides for payments that are subject to reduction by withholding taxes levied by any foreign (non-United States) sovereign government; and (xx) None of the Mortgage Loans are Additional Collateral Loans and none of the Mortgage Loans are Pledged Asset Loans. It is understood and agreed that the representations and warranties set forth in this Section 2.03(b) shall survive delivery of the respective Mortgage Files to the Trustee or any Custodian. Upon discovery by any of the Company, the Master Servicer, the Trustee or any Custodian of a breach of any of the representations and warranties set forth in this Section 2.03(b) that materially and adversely affects the interests of the Certificateholders in any Mortgage Loan, the party discovering such breach shall give prompt written notice to the other parties (any Custodian being so obligated under a Custodial Agreement); provided, however, that in the event of a breach of the representation and warranty set forth in Section 2.03(b)(xii), the party discovering such breach shall give such notice within five days of discovery. Within 90 days of its discovery or its receipt of notice of breach, the Company shall either (i) cure such breach in all material respects or (ii) purchase such Mortgage Loan from the Trust Fund at the Purchase Price and in the manner set forth in Section 2.02; provided that the Company shall have the option to substitute a Qualified Substitute Mortgage Loan or Loans for such Mortgage Loan if such substitution occurs within two years following the Closing Date; provided that if the omission or defect would cause the Mortgage Loan to be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code, any such cure or repurchase must occur within 90 days from the date such breach was discovered. Any such substitution shall be effected by the Company under the same terms and conditions as provided in Section 2.04 for substitutions by Residential Funding. It is understood and 19 agreed that the obligation of the Company to cure such breach or to so purchase or substitute for any Mortgage Loan as to which such a breach has occurred and is continuing shall constitute the sole remedy respecting such breach available to the Certificateholders or the Trustee on behalf of the Certificateholders. Notwithstanding the foregoing, the Company shall not be required to cure breaches or purchase or substitute for Mortgage Loans as provided in this Section 2.03(b) if the substance of the breach of a representation set forth above also constitutes fraud in the origination of the Mortgage Loan. Section 2.04. Representations and Warranties of Sellers. (See Section 2.04 of the Standard Terms) Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates Evidencing Interests in REMIC I Certificates. The Trustee acknowledges the assignment to it of the Mortgage Loans and the delivery of the Mortgage Files to it, or any Custodian on its behalf, subject to any exceptions noted, together with the assignment to it of all other assets included in the Trust Fund and/or the applicable REMIC, receipt of which is hereby acknowledged. Concurrently with such delivery and in exchange therefor, the Trustee, pursuant to the written request of the Company executed by an officer of the Company, has executed and caused to be authenticated and delivered to or upon the order of the Company the Class R-I Certificates in authorized denominations which together with the Uncertificated REMIC I Regular Interests, evidence the beneficial interest in REMIC I. Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular Interests; Acceptance by the Trustee. The Company, as of the Closing Date, and concurrently with the execution and delivery hereof, does hereby assign without recourse all the right, title and interest of the Company in and to the Uncertificated REMIC I Regular Interests to the Trustee for the benefit of the Holders of each Class of Certificates (other than the Class R-I Certificates). The Trustee acknowledges receipt of the Uncertificated REMIC I Regular Interests and declares that it holds and will hold the same in trust for the exclusive use and benefit of all present and future Holders of each Class of Certificates (other than the Class R-I Certificates). The rights of the Holders of each Class of Certificates (other than the Class R-I Certificates) to receive distributions from the proceeds of REMIC II in respect of such Classes, and all ownership interests of the Holders of such Classes in such distributions, shall be as set forth in this Agreement. Section 2.07. Issuance of Certificates Evidencing Interest in REMIC II. The Trustee acknowledges the assignment to it of the Uncertificated REMIC I Regular Interests and, concurrently therewith and in exchange therefor, pursuant to the written request of the Company executed by an officer of the Company, the Trustee has executed and caused to be authenticated and delivered to or upon the order of the Company, all Classes of Certificates (other than the Class R-I Certificates) in authorized denominations, which evidence the beneficial interest in the entire REMIC II. Section 2.08. Purposes and Powers of the Trust. (See Section 2.08 of the Standard Terms) 20 ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS Section 3.01. Master Servicer to Act as Servicer. (See Section 3.01 of the Standard Terms) Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement of Subservicers' and Sellers' Obligations. (See Section 3.02 of the Standard Terms) Section 3.03. Successor Subservicers. (See Section 3.03 of the Standard Terms) Section 3.04. Liability of the Master Servicer. (See Section 3.04 of the Standard Terms) Section 3.05. No Contractual Relationship Between Subservicer and Trustee or Certificateholders. (See Section 3.05 of the Standard Terms) Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee. (See Section 3.06 of the Standard Terms) Section 3.07. Collection of Certain Mortgage Loan Payments; Deposits to Custodial Account. (a) The Master Servicer shall make reasonable efforts to collect all payments called for under the terms and provisions of the Mortgage Loans, and shall, to the extent such procedures shall be consistent with this Agreement and the terms and provisions of any related Primary Insurance Policy, follow such collection procedures as it would employ in its good faith business judgment and which are normal and usual in its general mortgage servicing activities. Consistent with the foregoing, the Master Servicer may in its discretion (i) waive any late payment charge or any prepayment charge or penalty interest in connection with the prepayment of a Mortgage Loan and (ii) extend the Due Date for payments due on a Mortgage Loan in accordance with the Program Guide; provided, however, that the Master Servicer shall first determine that any such waiver or extension will not impair the coverage of any related Primary Insurance Policy or materially adversely affect the lien of the related Mortgage. In the event of any such arrangement, the Master Servicer shall make timely advances on the related Mortgage Loan during the scheduled period in accordance with the amortization schedule of such Mortgage Loan without modification thereof by reason of such arrangements unless otherwise agreed to by the Holders of the Classes of Certificates affected thereby; provided, however, that no such extension shall be made if any such advance would be a Nonrecoverable Advance. Consistent with the terms of this Agreement, the Master Servicer may also waive, modify or vary any term of any Mortgage Loan or consent to the postponement of strict compliance with any such term or in any manner grant indulgence to any Mortgagor if in the Master Servicer's determination such waiver, modification, postponement or indulgence is not materially adverse to the interests of the Certificateholders (taking into account any estimated Realized Loss that might result absent such action); provided, however, that the Master Servicer may not modify materially or permit any Subservicer to modify any Mortgage Loan, 21 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 rates at which the Servicing Fee and the Subservicing Fee with respect to such Mortgage Loan accrue, (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. 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 remaining 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 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) - (d). (See Section 3.07(b) -(d) of the Standard Terms) Section 3.08. Subservicing Accounts; Servicing Accounts. (See Section 3.08 of the Standard Terms) Section 3.09. Access to Certain Documentation and Information Regarding the Mortgage Loans. (See Section 3.09 of the Standard Terms) Section 3.10. Permitted Withdrawals from the Custodial Account. (See Section 3.10 of the Standard Terms) Section 3.11. Maintenance of the Primary Insurance Policies; Collections Thereunder. (See Section 3.11 of the Standard Terms) Section 3.12. Maintenance of Fire Insurance and Omissions and Fidelity Coverage. (See Section 3.12 of the Standard Terms) 22 Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and Modification Agreements; Certain Assignments. (See Section 3.13 of the Standard Terms) Section 3.14. Realization Upon Defaulted Mortgage Loans. (See Section 3.14 of the Standard Terms) Section 3.15. Trustee to Cooperate; Release of Mortgage Files. (See Section 3.15 of the Standard Terms) Section 3.16. Servicing and Other Compensation; Compensating Interest. (See Section 3.16 of the Standard Terms) Section 3.17. Reports to the Trustee and the Company. (See Section 3.17 of the Standard Terms) Section 3.18. Annual Statement as to Compliance. (See Section 3.18 of the Standard Terms) Section 3.19. Annual Independent Public Accountants' Servicing Report. (See Section 3.19 of the Standard Terms) Section 3.20. Rights of the Company in Respect of the Master Servicer. (See Section 3.20 of the Standard Terms) Section 3.21. Administration of Buydown Funds (See Section 3.21 of the Standard Terms) 23 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 24 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); 25 (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; 26 (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; 27 (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 (1) a shortfall in the amounts available to pay Accrued Certificate Interest on any Class of Certificates results from an interest rate reduction in connection with a Servicing Modification, or (2) 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: 28 (i) first, to the Class A-P Certificates, until the Certificate Principal Balance thereof is reduced to zero, an amount (the "Class A-P Principal Distribution Amount") equal to the aggregate of: (A) the related Discount Fraction of the principal portion of each Monthly Payment on each Discount Mortgage Loan due during the related Due Period, whether or not received on or prior to the related Determination Date, minus the Discount Fraction of the principal portion of any related Debt Service Reduction which together with other Bankruptcy Losses exceeds the Bankruptcy Amount; (B) the related Discount Fraction of the principal portion of all unscheduled collections on each Discount Mortgage Loan received during the preceding calendar month or, in the case of Principal Prepayments in Full, during the related Prepayment Period (other than amounts received in connection with a Cash Liquidation or REO Disposition of a Discount Mortgage Loan described in clause (C) below), including Principal Prepayments in Full, Curtailments, Subsequent Recoveries and repurchases (including deemed repurchases under Section 3.07(b) of the Standard Terms) of Discount Mortgage Loans (or, in the case of a substitution of a Deleted Mortgage Loan, the Discount Fraction of the amount of any shortfall deposited in the Custodial Account in connection with such substitution); (C) in connection with the Cash Liquidation or REO Disposition of a Discount Mortgage Loan that did not result in any Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses or Extraordinary Losses, an amount equal to the lesser of (1) the applicable Discount Fraction of the 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: 29 (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 (B) second, the Senior Principal Distribution Amount remaining after the payments of principal made in accordance with Section 4.02(b)(ii)(A) above, shall be distributed in the following manner and priority: (1) first, to the Class A-2 Certificates and Class A-3 Certificates, on a pro rata basis in accordance with their respective Certificate Principal Balances, until the Certificate Principal Balances of the Class A-2 Certificates and Class A-3 Certificates have been reduced to zero; and (2) second, to the Class A-5 Certificates, until the Certificate Principal Balance of the Class A-5 Certificates has been reduced to zero. (c) On or after the Credit Support Depletion Date, all priorities relating to distributions as described in Section 4.02(b) above in respect of principal among the various classes of Senior Certificates (other than the Class A-P Certificates) will be disregarded, and (i) an amount equal to the Discount Fraction of the principal portion of scheduled payments and unscheduled collections received or advanced in respect of the Discount Mortgage Loans will be distributed to the Class A-P Certificates, (ii) the Senior Principal Distribution Amount will be distributed to the remaining Senior Certificates (other than the Class A-P Certificates) pro rata in accordance with their respective outstanding Certificate Principal Balances and (iii) the amount set forth in Section 4.02(a)(i) will be distributed as set forth therein. (d) After the reduction of the Certificate Principal Balances of the Senior Certificates (other than the Class A-P Certificates) to zero but prior to the Credit Support Depletion Date, the Senior Certificates (other than the Class A-P Certificates) will be entitled to no further distributions of principal thereon and the Available Distribution Amount will be paid solely to the holders of the Class A-P, Class A-V and Subordinate Certificates, in each case as described herein. (e) In addition to the foregoing distributions, with respect to any Subsequent Recoveries, the Master Servicer shall deposit such funds into the Custodial Account pursuant to Section 3.07(b)(iii). If, after taking into account such Subsequent Recoveries, the amount of a Realized Loss is reduced, the amount of such Subsequent Recoveries will be applied to increase the Certificate Principal Balance of the Class of Subordinate Certificates with a Certificate Principal Balance greater than zero with the highest payment priority to which Realized Losses, other than Excess Bankruptcy Losses, Excess Fraud Losses, Excess Special Hazard Losses and Extraordinary Losses, have been allocated, but not by more than the amount of Realized Losses previously allocated to that Class of Certificates pursuant to Section 4.05. The amount of any remaining Subsequent Recoveries will be applied to increase from zero the Certificate Principal Balance of the Class of Certificates with the next lower payment priority, up to the amount of Realized Losses previously allocated to that Class of Certificates pursuant to Section 4.05. Any remaining Subsequent Recoveries will in turn be applied to increase from zero the Certificate Principal Balance of the Class of Certificates with the next lower payment priority up to the amount of Realized 30 Losses previously allocated to that Class of Certificates pursuant to Section 4.05, and so on. Holders of such Certificates will not be entitled to any payment in respect of Accrued Certificate Interest on the amount of such increases for any Interest Accrual Period preceding the Interest Accrual Period that relates to the Distribution Date on which such increase occurs. Any such increases shall be applied to the Certificate Principal Balance of each Certificate of such Class in accordance with its respective Percentage Interest. (f) Each distribution with respect to a Book-Entry Certificate shall be paid to the Depository, as Holder thereof, and the Depository shall be solely responsible for crediting the amount of such distribution to the accounts of its Depository Participants in accordance with its normal procedures. Each Depository Participant shall be responsible for disbursing such distribution to the Certificate Owners that it represents and to each indirect participating brokerage firm (a "brokerage firm") for which it acts as agent. Each brokerage firm shall be responsible for disbursing funds to the Certificate Owners that it represents. None of the Trustee, the Certificate Registrar, the Company or the Master Servicer shall have any responsibility therefor. (g) Except as otherwise provided in Section 9.01, if the Master Servicer anticipates that a final distribution with respect to any Class of Certificates will be made on the next Distribution Date, the Master Servicer shall, no later than the Determination Date in the month of such final distribution, notify the Trustee and the Trustee shall, no later than two (2) Business Days after such Determination Date, mail on such date to each Holder of such Class of Certificates a notice to the effect that: (i) the Trustee anticipates that the final distribution with respect to such Class of Certificates will be made on such Distribution Date but only upon presentation and surrender of such Certificates at the office of the Trustee or as otherwise specified therein, and (ii) no interest shall accrue on such Certificates from and after the end of the related Interest Accrual Period. In the event that Certificateholders required to surrender their Certificates pursuant to Section 9.01(c) do not surrender their Certificates for final cancellation, the Trustee shall cause funds distributable with respect to such Certificates to be withdrawn from the Certificate Account and credited to a separate escrow account for the benefit of such Certificateholders as provided in Section 9.01(d). 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 31 Bankruptcy Losses or Excess Fraud Losses, shall be allocated as follows: first, to the Class B-3 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; second, to the Class B-2 Certificates until the Certificate Principal Balance thereof has been reduced to zero; third, to the Class B-1 Certificates until the Certificate Principal Balance thereof has been reduced to zero; fourth, to the Class M-3 Certificates until the Certificate Principal Balance thereof has been reduced to zero; fifth, to the Class M-2 Certificates until the Certificate Principal Balance thereof has been reduced to zero; sixth, to the Class M-1 Certificates until the Certificate Principal Balance thereof has been reduced to zero; and, thereafter, if any such Realized Losses are on a Discount Mortgage Loan, to the Class A-P Certificates in an amount equal to the Discount Fraction of the principal portion thereof, and the remainder of such Realized Losses on the Discount Mortgage Loans and the entire amount of such Realized Losses on Non-Discount Mortgage Loans will be allocated among all Senior Certificates (other than the Class A-P Certificates) on a pro rata basis, as described below. The principal portion of any Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses and Extraordinary Losses on Discount Mortgage Loans will be allocated to the Class A-P Certificates in an amount equal to the Discount Fraction thereof and the remainder of the principal portion of such Realized Losses on Discount Mortgage Loans and the entire amount of such Realized Losses on Non-Discount Mortgage Loans will be allocated among the Senior Certificates (other than the Class A-P Certificates) and Subordinate Certificates, on a pro rata basis, as described below. The interest portion of any Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses and Extraordinary Losses will be allocated to all the Certificates on a pro rata basis. As used herein, an allocation of a Realized Loss on a "pro rata basis" among two or more specified Classes of Certificates means an allocation on a pro rata basis, among the various Classes so specified, to each such Class of Certificates, on the basis of their then outstanding Certificate Principal Balances prior to giving effect to distributions to be made on such Distribution Date in the case of the principal portion of a Realized Loss or based on the Accrued Certificate Interest thereon payable on such Distribution Date (without regard to any Compensating Interest for such Distribution Date) in the case of an interest portion of a Realized Loss. Except as provided in the following sentence, any allocation of the principal portion of Realized Losses (other than Debt Service Reductions) to a Class of Certificates shall be made by reducing the Certificate Principal Balance thereof by the amount so allocated, which allocation shall be deemed to have occurred on such Distribution Date; provided that no such reduction shall reduce the aggregate Certificate Principal Balance of the Certificates below the aggregate Stated Principal Balance of the Mortgage Loans. Any allocation of the principal portion of Realized Losses (other than Debt Service Reductions) to the Subordinate Certificates then outstanding with the Lowest Priority shall be made by operation of the definition of "Certificate Principal Balance" and by operation of the provisions of Section 4.02(a). Allocations of the interest portions of Realized Losses (other than any interest rate reduction resulting from a Servicing Modification) shall be made in proportion to the amount of Accrued Certificate Interest and by operation of the definition of "Accrued Certificate Interest" and by operation of the provisions of Section 4.02(a). Allocations of the interest portion of a Realized Loss resulting from an interest rate reduction in connection with a Servicing Modification shall be made by operation of the provisions of Section 4.02(a). 32 Allocations of the principal portion of Debt Service Reductions shall be made by operation of the provisions of Section 4.02(a). All Realized Losses and all other losses allocated to a Class of Certificates hereunder will be allocated among the Certificates of such Class in proportion to the Percentage Interests evidenced thereby; provided that if any Subclasses of the Class A-V Certificates have been issued pursuant to Section 5.01(c), such Realized Losses and other losses allocated to the Class A-V Certificates shall be allocated among such Subclasses in proportion to the respective amounts of Accrued Certificate Interest payable on such Distribution Date that would have resulted absent such reductions. Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property. (See Section 4.06 of the Standard Terms) Section 4.07. Optional Purchase of Defaulted Mortgage Loans. (See Section 4.07 of the Standard Terms) Section 4.08. Surety Bond. (See Section 4.08 of the Standard Terms) 33 ARTICLE V THE CERTIFICATES (SEE ARTICLE V OF THE STANDARD TERMS) 34 ARTICLE VI THE COMPANY AND THE MASTER SERVICER (SEE ARTICLE VI OF THE STANDARD TERMS) 35 ARTICLE VII DEFAULT (SEE ARTICLE VII OF THE STANDARD TERMS) 36 ARTICLE VIII CONCERNING THE TRUSTEE (SEE ARTICLE VIII OF THE STANDARD TERMS) 37 ARTICLE IX TERMINATION (SEE ARTICLE IX OF THE STANDARD TERMS) 38 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-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). 39 (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 and Class A-2 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest U; (iii) Realized Losses allocated to the Class A-1, Class A-3 and Class A-4 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest V; (iv) Realized Losses allocated to the Class A-1 Certificates and Class A-5 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest W; (v) Realized Losses allocated to the Class A-P Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest X; (vi) 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 (vii) Realized Losses allocated to the Uncertificated REMIC II Regular Interests Z under clause (i), above, shall be deemed allocated, in each case, to the related Uncertificated REMIC I Regular Interest Z. (e)On each Distribution Date the Trustee shall be deemed to distribute from REMIC II, in the priority set forth in Sections 4.02(a) and (b), to the Holders of each Class of Certificates (other than the Class R-I Certificates) 40 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. 41 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-QS7 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 42 shown in the Certificate Register. Any notice so mailed within the time prescribed in this Agreement shall be conclusively presumed to have been duly given, whether or not the Certificateholder receives such notice. Section 11.06. Required Notices to Rating Agency and Subservicer. (See Section 11.06 of the Standard Terms) Section 11.07. Severability of Provisions. (See Section 11.07 of the Standard Terms) Section 11.08. Supplemental Provisions for Resecuritization. (See Section 11.08 of the Standard Terms) Section 11.09. Allocation of Voting Rights. 96.0% of all of the Voting Rights shall be allocated among Holders of Certificates, other than the Interest Only Certificates and Class R Certificates, in proportion to the outstanding Certificate Principal Balances of their respective Certificates; 1.0% of all Voting Rights shall be allocated among the Holders of the Class A-1 Certificates, in accordance with their respective Percentage Interests; 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. 43 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// Michael Mead___________________ ------------------ - Name: Michael Mead Title: Vice President RESIDENTIAL FUNDING CORPORATION [Seal] By: _//s// Michael Mead -- ----------------------------- Name: Michael Mead 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: Assistant Vice President By: //s// James F. Noriega --------------------------------- Name: James F. Noriega Title: Associate Attest:_//s// Barbra Campbell_________ Name: Barbara Campbell Title: Assistant Vice President STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On 29th day of April, 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 29th day of April, 2003 before me, a notary public in and for said State, personally appeared _Michael Mead________, 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 29th day of April, 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 29th day of April, 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 : 04/24/03 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 09.04.55 FIXED PASSTHRU REPORT AMORTIZED BALANCE SERIES : RALI 2003-QS7 CUTOFF : 04/01/03 POOL : 0004680 : : 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 --------------------------------------------------------------------------- 4173558 .2500 100,505.25 .0800 8.8750 .0000 8.6250 .0000 8.5450 .0000 6.0000 2.5450 7996337 .2500 250,083.68 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8017893 .2500 198,665.89 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8017907 .2500 151,162.99 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8030253 .2500 239,443.92 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8040807 .2500 243,819.16 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 1 8046021 .2500 458,833.47 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8061271 .2500 197,926.69 .0800 6.6000 .0000 6.3500 .0000 6.2700 .0000 6.0000 .2700 8064993 .2500 239,609.99 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8089053 .2500 33,867.36 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8094141 .2500 170,990.76 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8100701 .2500 213,296.99 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8109999 .2500 234,470.56 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8133025 .2500 235,328.81 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 1 8133205 .2500 143,326.02 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8153067 .2500 71,821.80 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8163991 .2500 206,813.02 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8169005 .2500 249,686.45 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8176769 .2500 233,917.72 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8180711 .2500 220,692.52 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8189497 .2500 242,853.62 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8195097 .2500 104,408.69 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 1 8195357 .2500 163,232.39 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8206857 .2500 232,627.99 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8206945 .2500 241,672.03 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8215417 .2500 103,131.72 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8222077 .2500 541,392.14 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8244467 .2500 114,072.41 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8249579 .2500 62,071.10 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 8256749 .2500 38,617.53 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 1 8275635 .2500 268,110.29 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 8277225 .2500 383,215.06 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8282717 .2500 232,229.30 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8283723 .2500 77,125.86 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8283867 .2500 88,123.98 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8285877 .2500 197,759.29 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8285959 .2500 260,364.46 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8286027 .2500 100,556.73 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 1 8287541 .2500 47,802.40 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 8288747 .2500 86,621.19 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8292217 .2500 234,497.23 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8308375 .2500 180,082.43 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8309079 .2500 279,159.60 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8309929 .2500 56,855.51 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8318711 .2500 768,048.18 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8353505 .2500 211,435.77 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 1 8353985 .2500 147,756.66 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 8354070 .2500 340,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8354272 .2500 435,355.67 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8354388 .2500 403,607.33 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8354822 .2500 218,107.40 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8354944 .2500 239,788.25 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8355062 .2500 175,000.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8355147 .2500 291,444.44 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 1 8356754 .2500 403,660.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8356906 .2500 104,913.93 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 8356912 .2500 400,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8357612 .2500 500,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8357762 .2500 585,402.55 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8357848 .2500 240,000.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8357896 .2500 353,800.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8358316 .2500 240,000.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 1 8358408 .2500 223,900.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8358418 .2500 206,400.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8358756 .2500 135,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8359030 .2500 192,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8359414 .2500 184,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8359984 .2500 250,000.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8360543 .2500 134,752.92 .0800 8.5000 .0000 8.2500 .0000 8.1700 .0000 6.0000 2.1700 8360846 .2500 148,200.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 1 8361198 .2500 53,900.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8361329 .2500 71,643.10 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8361496 .2500 357,000.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8362422 .2500 140,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8372159 .2500 91,848.74 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 8374127 .2500 196,375.67 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8376261 .2500 523,497.76 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8378659 .2500 449,573.02 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 1 8381153 .2500 56,978.72 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 8381197 .2500 135,561.06 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 8381241 .2500 134,393.19 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 8392873 .2500 63,520.13 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8394243 .2500 88,314.74 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8399141 .2500 152,742.20 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8403675 .2500 104,818.69 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8407277 .2500 446,961.77 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 1 8407457 .2500 81,878.95 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8416219 .2500 76,328.61 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 8416253 .2500 80,809.27 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 8416545 .2500 184,271.21 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8416815 .2500 65,311.21 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8416935 .2500 147,122.17 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8416941 .2500 147,122.17 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8416987 .2500 87,092.74 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 1 8417005 .2500 123,163.26 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8417011 .2500 80,680.18 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 8417075 .2500 60,972.09 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8423195 .2500 97,759.95 .0800 7.7000 .0000 7.4500 .0000 7.3700 .0000 6.0000 1.3700 8427253 .2500 973,552.85 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8430377 .2500 146,939.54 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8432645 .2500 182,393.85 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8434501 .2500 35,083.56 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 1 8450327 .2500 109,321.17 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8451295 .2500 255,745.15 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8452757 .2500 132,970.63 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8457345 .2500 117,389.02 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 8459169 .2500 399,611.23 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8460029 .2500 92,259.70 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8460031 .2500 92,259.70 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8461333 .2500 612,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 1 8462137 .2500 259,455.78 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8464579 .2500 128,883.38 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8464633 .2500 131,886.35 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8466293 .2500 464,548.05 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8473187 .2500 192,612.61 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8474293 .2500 61,066.27 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8474295 .2500 45,530.39 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.0000 1.0450 8474373 .2500 279,516.50 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 1 8474457 .2500 67,299.65 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 8475289 .2500 119,908.69 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.0000 1.0450 8476763 .2500 128,139.58 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8477035 .2500 257,322.77 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8477061 .2500 77,333.37 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8477065 .2500 127,884.28 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8477753 .2500 128,375.11 .0300 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457,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8584593 .2500 225,250.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8584613 .2500 247,410.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8584651 .2500 104,400.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8584661 .2500 145,350.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8586985 .2500 200,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8587009 .2500 110,000.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8587025 .2500 129,000.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8587031 .2500 102,500.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8587043 .2500 243,750.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8587049 .2500 236,900.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8587059 .2500 178,750.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8587089 .2500 96,000.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8587103 .2500 181,600.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8587109 .2500 229,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8587657 .2500 135,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 1 8587699 .2500 210,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8587709 .2500 167,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8587721 .2500 190,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8587729 .2500 221,000.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8587737 .2500 200,000.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8587827 .2500 600,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8588027 .2500 140,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8588067 .2500 106,000.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 1 8588079 .2500 124,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8588105 .2500 380,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8588135 .2500 147,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8588211 .2500 649,289.25 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8588213 .2500 122,451.99 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 8588215 .2500 224,611.14 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8588453 .2500 288,400.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8588513 .2500 585,000.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 1 8588531 .2500 110,800.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8588545 .2500 180,500.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 8588553 .2500 76,800.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8588583 .2500 186,400.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8588585 .2500 264,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8588671 .2500 300,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8588685 .2500 117,500.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8588753 .2500 230,400.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 1 8588757 .2500 137,029.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8588783 .2500 95,900.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8588883 .2500 188,000.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8588923 .2500 110,950.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8589309 .2500 340,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8589325 .2500 230,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8589637 .2500 232,900.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8590259 .2500 320,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 1 8590453 .2500 499,900.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8590463 .2500 97,400.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 8590563 .2500 173,200.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8590809 .2500 216,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8591259 .2500 188,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8591477 .2500 120,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8591581 .2500 196,500.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8592211 .2500 235,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 1 8592315 .2500 150,500.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8592503 .2500 252,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8592519 .2500 140,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8592925 .2500 270,900.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 8592959 .2500 172,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8593205 .2500 137,700.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8593263 .2500 144,750.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8593309 .2500 146,250.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 1 8593461 .2500 175,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8593659 .2500 303,900.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8593773 .2500 448,803.68 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8593835 .2500 198,300.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8593941 .2500 106,200.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 8594353 .2500 400,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8594507 .2500 162,350.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8594939 .2500 250,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 1 8595145 .2500 155,500.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8595175 .2500 165,500.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8595189 .2500 104,200.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 8595753 .2500 149,500.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8595765 .2500 81,000.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 8597177 .2500 219,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8597289 .2500 480,000.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8597349 .2500 368,000.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 1 8597559 .2500 200,000.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8597685 .2500 128,000.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8598021 .2500 314,700.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8598651 .2500 108,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8598897 .2500 60,000.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 8601139 .2500 245,446.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8601669 .2500 112,000.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 8601969 .2500 100,400.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 1 8601993 .2500 90,400.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 8603657 .2500 146,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8604697 .2500 420,000.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8609257 .2500 338,400.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8609793 .2500 114,665.67 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8610389 .2500 109,893.09 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8610653 .2500 170,100.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8611079 .2500 320,000.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 1 8611787 .2500 110,000.00 .0300 6.1250 .0000 5.8750 .0000 5.8450 .0000 5.8450 .0000 8616231 .2500 204,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8622709 .2500 139,774.58 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8622719 .2500 143,853.19 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8622737 .2500 182,555.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8622739 .2500 376,000.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8622751 .2500 236,614.77 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 TOTAL NUMBER OF LOANS: 1741 TOTAL BALANCE........: 323,298,899.17 RUN ON : 04/24/03 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 09.04.55 INITIAL SECURITY FEES AMORTIZED BALANCE SERIES : RALI 2003-QS7 FIXED SUMMARY REPORT CUTOFF : 04/01/03 POOL : 0004680 : : POOL STATUS: F WEIGHTED AVERAGES FROM TO --------------------------------------------------------------------------- CURR NOTE RATE 6.3464 5.3750 8.8750 RFC NET RATE 6.0964 5.1250 8.6250 NET MTG RATE(INVSTR RATE) 6.0438 5.0950 8.5450 POST STRIP RATE 5.8870 5.0950 6.0000 SUB SERV FEE .2500 .2500 .2500 MSTR SERV FEE .0526 .0300 .0800 ALL EXP .0000 .0000 .0000 MISC EXP .0000 .0000 .0000 SPREAD .0000 .0000 .0000 STRIP .1568 .0000 2.5450 TOTAL NUMBER OF LOANS: 1741 TOTAL BALANCE........: 323,298,899.17 *************************** * END OF REPORT * *************************** RUN ON : 04/24/03 RFC DISCLOSURE SYSTEM RFFSD177-01 AT : 09.04.55 FIXED RATE LOAN LISTING AMORTIZED BALANCE SERIES : RALI 2003-QS7 CUTOFF : 04/01/03 POOL : 0004680 : : 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 # ______________________________________________________________________________ 4173558 S27/G02 F 103,950.00 ZZ 360 100,505.25 4 8.875 827.07 90 8.625 827.07 RIVIERA BEACH FL 33404 1 01/16/01 10 0432628428 05 03/01/01 25 1010006500 N 02/01/31 0 7996337 E82/G01 F 251,500.00 ZZ 360 250,083.68 1 6.375 1,569.03 74 6.125 1,569.03 CULVER CITY CA 90230 2 08/28/02 00 0400689055 01 11/01/02 0 1849012 O 10/01/32 0 8017893 E22/G01 F 200,000.00 ZZ 360 198,665.89 1 6.500 1,264.14 55 6.250 1,264.14 HAYWARD CA 94544 5 08/29/02 00 0414632687 05 11/01/02 0 0414632687 O 10/01/32 0 8017907 E22/G01 F 152,000.00 ZZ 360 151,162.99 1 6.500 960.74 71 6.250 960.74 CONCORD CA 94520 5 08/30/02 00 0414647602 09 11/01/02 0 1 0414647602 O 10/01/32 0 8030253 E82/G01 F 240,800.00 ZZ 360 239,443.92 1 6.375 1,502.28 41 6.125 1,502.28 PLEASANTON CA 94566 2 09/05/02 00 0400687042 05 11/01/02 0 1789767 O 10/01/32 0 8040807 E82/G01 F 245,200.00 ZZ 360 243,819.16 1 6.375 1,529.73 72 6.125 1,529.73 NORTH HOLLYWOOD CA 91602 2 09/11/02 00 0400684593 05 11/01/02 0 1332946 O 10/01/32 0 8046021 X31/G01 F 461,250.00 ZZ 360 458,833.47 1 6.750 2,991.66 75 6.500 2,991.66 SOUTH PASADENA CA 91030 5 09/09/02 00 0434649091 05 11/01/02 0 40103760 O 10/01/32 0 8061271 550/550 F 199,000.00 ZZ 360 197,926.69 1 6.600 1,270.94 40 6.350 1,270.94 CULVER CITY CA 90066 2 09/19/02 00 120604991 05 11/01/02 0 120604991 O 10/01/32 0 8064993 E82/G01 F 241,000.00 ZZ 360 239,609.99 1 6.250 1,483.88 44 6.000 1,483.88 STUDIO CITY CA 91604 2 09/25/02 00 0400690426 05 11/01/02 0 1761453 O 10/01/32 0 1 8089053 X13/G02 F 34,000.00 ZZ 360 33,867.36 1 7.750 243.58 66 7.500 243.58 BROOKSVILLE FL 34602 5 10/31/02 00 0434686127 05 12/01/02 0 9611745 N 11/01/32 0 8094141 E22/G01 F 172,000.00 ZZ 360 170,990.76 1 6.250 1,059.03 60 6.000 1,059.03 POWAY CA 92064 5 09/27/02 00 0415069012 05 12/01/02 0 0415069012 O 11/01/32 0 8100701 E82/G01 F 214,300.00 ZZ 360 213,296.99 1 6.375 1,336.95 79 6.125 1,336.95 FOLSOM CA 95630 2 10/04/02 00 0400698882 05 12/01/02 0 4872184 O 11/01/32 0 8109999 E82/G01 F 235,600.00 ZZ 360 234,470.56 1 6.250 1,450.63 64 6.000 1,450.63 YORBA LINDA CA 92886 2 10/09/02 00 0400707600 05 12/01/02 0 1832107 O 11/01/32 0 8133025 E82/G01 F 237,000.00 ZZ 360 235,328.81 1 6.500 1,498.00 48 6.250 1,498.00 VISTA CA 92083 2 10/11/02 00 0400693784 05 12/01/02 0 1713792 O 11/01/32 0 8133205 E82/G01 F 144,000.00 ZZ 360 143,326.02 1 6.375 898.37 56 6.125 898.37 1 CITRUS HEIGHTS CA 95610 2 10/10/02 00 0400686846 05 12/01/02 0 1900907 O 11/01/32 0 8153067 F28/G02 F 72,500.00 ZZ 360 71,821.80 1 7.750 519.40 100 7.500 519.40 DAWSON IL 62520 1 03/28/02 10 0434794541 04 05/01/02 35 1489837 O 04/01/32 0 8163991 E82/G01 F 208,600.00 ZZ 360 206,813.02 1 6.375 1,301.39 63 6.125 1,301.39 THOUSAND OAKS CA 91320 2 10/29/02 00 0400703492 03 01/01/03 0 1911405 O 12/01/32 0 8169005 E82/G01 F 250,600.00 ZZ 360 249,686.45 1 6.500 1,583.96 34 6.250 1,583.96 SAN FRANCISCO CA 94114 2 10/30/02 00 0400704409 07 01/01/03 0 1728403 O 12/01/32 0 8176769 E82/G01 F 235,400.00 ZZ 360 233,917.72 1 6.375 1,468.59 67 6.125 1,468.59 LOS ANGELES CA 90045 2 10/29/02 00 0400727947 05 01/01/03 0 1853547 O 12/01/32 0 8180711 E22/G01 F 221,500.00 ZZ 360 220,692.52 1 6.500 1,400.03 90 6.250 1,400.03 CITRUS HEIGHTS CA 95621 1 10/29/02 01 0415244821 05 01/01/03 25 0415244821 O 12/01/32 0 1 8189497 E82/G01 F 243,700.00 ZZ 360 242,853.62 3 6.750 1,580.63 73 6.500 1,580.63 LOS ANGELES CA 90039 2 11/01/02 00 0400709887 05 01/01/03 0 3752727 O 12/01/32 0 8195097 E84/G02 F 105,000.00 ZZ 360 104,408.69 1 6.375 655.06 68 6.125 655.08 DENVER CO 80203 5 09/27/02 00 0434865994 05 11/01/02 0 32807354 N 10/01/32 0 8195357 F89/G02 F 164,000.00 ZZ 360 163,232.39 1 6.375 1,023.15 80 6.125 1,023.15 WILDOMAR CA 92595 1 10/30/02 00 0434898417 27 12/01/02 0 11623624 O 11/01/32 0 8206857 E82/G01 F 233,500.00 ZZ 360 232,627.99 1 6.375 1,456.74 64 6.125 1,456.74 SIMI VALLEY CA 93065 2 11/04/02 00 0400724043 03 01/01/03 0 1855609 O 12/01/32 0 8206945 E82/G01 F 242,600.00 ZZ 360 241,672.03 1 6.250 1,493.73 41 6.000 1,493.73 REDWOOD CITY CA 94061 2 11/06/02 00 0400725230 05 01/01/03 0 1858338 O 12/01/32 0 8215417 E22/G02 F 103,500.00 ZZ 360 103,131.72 2 1 6.625 662.72 90 6.375 662.72 TRENTON NJ 08638 1 11/18/02 04 0415280957 05 01/01/03 25 0415280957 N 12/01/32 0 8222077 B57/G01 F 544,000.00 ZZ 360 541,392.14 1 6.250 3,349.50 80 6.000 3,349.50 LOS ANGELES CA 90066 5 10/26/02 00 0434973103 05 12/01/02 0 10006476 O 11/01/32 0 8244467 E82/G01 F 114,500.00 ZZ 360 114,072.41 1 6.375 714.33 69 6.125 714.33 MADERA CA 93637 2 11/21/02 00 0400728630 05 01/01/03 0 1986455 O 12/01/32 0 8249579 E22/G01 F 62,225.00 ZZ 360 62,071.10 1 7.000 413.98 96 6.750 413.98 MONTGOMERY AL 36116 1 12/02/02 10 0415138338 07 02/01/03 35 0415138338 O 01/01/33 0 8256749 E22/G02 F 38,700.00 ZZ 360 38,617.53 1 7.750 277.25 90 7.500 277.25 EASTON PA 18042 1 12/04/02 10 0415459619 07 02/01/03 25 0415459619 N 01/01/33 0 8275635 X89/G02 F 269,000.00 ZZ 360 268,110.29 1 7.000 1,789.66 73 6.750 1,789.66 PASADENA CA 91104 5 11/19/02 00 0435045687 05 01/01/03 0 1 0100239249 O 12/01/32 0 8277225 369/G02 F 384,000.00 T 360 383,215.06 1 5.875 2,271.51 47 5.625 2,271.51 RIO GRANDE NJ 08242 5 01/14/03 00 0435556519 05 03/01/03 0 27135004 O 02/01/33 0 8282717 E82/G01 F 233,300.00 ZZ 360 232,229.30 1 6.250 1,436.47 50 6.000 1,436.47 CHINO HILLS CA 91709 2 12/06/02 00 0400736906 03 02/01/03 0 1795853 O 01/01/33 0 8283723 286/286 F 77,600.00 ZZ 360 77,125.86 1 6.500 490.49 70 6.250 490.49 LAS VEGAS NV 89108 2 10/09/02 00 1658671 01 12/01/02 0 1658671 N 11/01/32 0 8283867 286/286 F 88,500.00 ZZ 360 88,123.98 1 6.875 581.38 77 6.625 581.38 INDIANAPOLIS IN 46240 2 10/09/02 00 1604794 05 12/01/02 0 1604794 N 11/01/32 0 8285877 E82/G01 F 198,300.00 ZZ 360 197,759.29 1 6.500 1,253.39 63 6.250 1,253.39 OAK RUN CA 96069 2 12/03/02 00 0400732103 05 02/01/03 0 1823257 O 01/01/33 0 1 8285959 E22/G02 F 262,000.00 ZZ 240 260,364.46 1 6.375 1,934.17 80 6.125 1,934.17 MIAMI FL 33165 2 12/13/02 00 0414993535 05 02/01/03 0 0414993535 N 01/01/23 0 8286027 E22/G02 F 100,800.00 ZZ 360 100,556.73 1 7.125 679.11 90 6.875 679.11 JACKSON MI 49202 1 12/13/02 01 0415403922 05 02/01/03 25 0415403922 N 01/01/33 0 8287541 286/286 F 48,000.00 ZZ 360 47,802.40 1 7.500 335.63 80 7.250 335.63 KANSAS CITY MO 64127 5 10/16/02 00 1635312 05 12/01/02 0 1635312 N 11/01/32 0 8288747 286/286 F 87,000.00 ZZ 360 86,621.19 1 6.750 564.29 75 6.500 564.29 ATLANTA GA 30310 5 10/31/02 00 1710723 05 12/01/02 0 1710723 N 11/01/32 0 8292217 E82/G01 F 237,400.00 ZZ 360 234,497.23 1 6.250 1,461.71 64 6.000 1,461.71 COSTA MESA CA 92626 2 12/11/02 00 0400739207 05 02/01/03 0 1912955 O 01/01/33 0 8308375 E47/G02 F 180,700.00 ZZ 360 180,082.43 1 6.250 1,112.60 80 6.000 1,112.60 1 CLINTON MD 20735 1 12/13/02 00 0435123518 05 02/01/03 0 7342510371 O 01/01/33 0 8309079 X27/G02 F 280,000.00 ZZ 360 279,159.60 1 6.000 1,678.74 80 5.750 1,678.74 YUCAIPA CA 92399 2 12/05/02 00 0435148838 03 02/01/03 0 20000794 O 01/01/33 0 8309929 E22/G02 F 57,000.00 ZZ 360 56,855.51 1 6.875 374.45 80 6.625 374.45 PUEBLO CO 81003 2 12/24/02 00 0415276971 05 02/01/03 0 0415276971 N 01/01/33 0 8318711 696/G02 F 770,000.00 ZZ 360 768,048.18 1 6.875 5,058.35 41 6.625 5,058.35 ROUND HILL VA 20141 5 12/17/02 00 0435229364 05 02/01/03 0 50102225 O 01/01/33 0 8353505 825/G02 F 212,000.00 ZZ 360 211,435.77 3 6.625 1,357.46 80 6.375 1,357.46 OAKDALE CA 95361 1 12/30/02 00 0435245683 05 02/01/03 0 FREEBY N 01/01/33 0 8353985 964/G02 F 148,000.00 ZZ 360 147,756.66 2 7.000 984.65 80 6.750 984.65 EUGENE OR 97401 1 12/04/02 00 0435178702 05 02/01/03 0 290204 N 01/01/33 0 1 8354070 E23/G02 F 340,000.00 ZZ 360 340,000.00 1 6.000 2,038.47 80 5.750 2,038.47 ANTIOCH CA 94531 5 02/27/03 00 0435543442 05 05/01/03 0 61009990 O 04/01/33 0 8354272 N16/G02 F 435,800.00 ZZ 360 435,355.67 1 5.875 2,577.93 76 5.625 2,577.93 SOUTH PASADENA CA 91030 5 02/28/03 00 0435499314 05 04/07/03 0 N16 O 03/07/33 0 8354388 E23/G02 F 404,000.00 ZZ 360 403,607.33 1 6.125 2,454.75 80 5.875 2,454.75 ALAMEDA CA 94501 5 02/27/03 00 0435572623 05 04/01/03 0 62006020 O 03/01/33 0 8354822 E23/G02 F 218,300.00 ZZ 360 218,107.40 1 6.625 1,397.80 80 6.375 1,397.80 AGOURA HILLS CA 91301 2 02/13/03 00 0435577879 01 04/01/03 0 51024185 O 03/01/33 0 8354944 W98/G02 F 240,000.00 ZZ 360 239,788.25 1 6.625 1,536.75 59 6.375 1,536.75 FAIRFAX VA 22032 5 02/28/03 00 0435563267 05 04/01/03 0 F0408011 O 03/01/33 0 8355062 E23/G02 F 175,000.00 ZZ 360 175,000.00 1 1 6.125 1,063.32 68 5.875 1,063.32 PICO RIVERA CA 90660 1 03/05/03 00 0435569132 05 05/01/03 0 51026700 O 04/01/33 0 8355147 E22/G02 F 292,000.00 ZZ 360 291,444.44 4 6.250 1,797.89 80 6.000 1,797.89 CORONA CA 92882 1 01/03/03 00 0415812379 05 03/01/03 0 0415812379 N 02/01/33 0 8356754 E23/G02 F 403,660.00 ZZ 360 403,660.00 1 6.000 2,420.15 71 5.750 2,420.15 SAN DIEGO CA 92129 5 03/14/03 00 0435575998 05 05/01/03 0 11017717 O 04/01/33 0 8356906 N16/G02 F 105,000.00 ZZ 360 104,913.93 1 7.000 698.57 84 6.750 698.57 WINDSOR CT 06095 5 03/19/03 04 0435561923 03 04/29/03 12 N16 O 03/29/33 0 8356912 Q51/G02 F 400,000.00 ZZ 360 400,000.00 1 6.000 2,398.20 78 5.750 2,398.20 TORRANCE CA 90503 1 03/12/03 00 0435558564 29 05/01/03 0 680873 O 04/01/33 0 8357612 E23/G02 F 500,000.00 ZZ 360 500,000.00 1 6.500 3,160.34 78 6.250 3,160.34 (SAN DIEGO AREA CA 92127 1 03/12/03 00 0435577655 03 05/01/03 0 1 11017822 O 04/01/33 0 8357762 N16/G02 F 586,000.00 ZZ 360 585,402.55 1 5.875 3,466.41 79 5.625 3,466.41 ZEPHYR COVE NV 89448 2 03/14/03 00 0435570486 05 04/24/03 0 449528956 O 03/24/33 0 8357848 E23/G02 F 240,000.00 ZZ 360 240,000.00 1 6.125 1,458.27 75 5.875 1,458.27 COOL CA 95614 5 03/03/03 00 0435571096 05 05/01/03 0 51024950 O 04/01/33 0 8357896 E23/G02 F 353,800.00 ZZ 360 353,800.00 1 6.125 2,149.73 79 5.875 2,149.73 BRENTWOOD CA 94513 1 03/03/03 00 0435575568 05 05/01/03 0 61009473 O 04/01/33 0 8358316 E23/G02 F 240,000.00 ZZ 360 240,000.00 1 6.125 1,458.27 80 5.875 1,458.27 MESA AZ 85207 1 03/14/03 00 0435579396 05 05/01/03 0 41006462 N 04/01/33 0 8358408 X82/G02 F 223,900.00 ZZ 360 223,900.00 1 6.250 1,378.59 80 6.000 1,378.59 CENTREVILLE VA 20121 1 03/21/03 00 0435580808 07 05/01/03 0 854294 O 04/01/33 0 1 8358418 E23/G02 F 206,400.00 ZZ 360 206,400.00 1 5.875 1,220.93 80 5.625 1,220.93 CLOVIS CA 93611 5 03/06/03 00 0435585211 05 05/01/03 0 61009685 O 04/01/33 0 8358756 H22/G02 F 135,000.00 ZZ 240 135,000.00 1 6.000 967.18 31 5.750 967.18 WHITESTONE NY 11357 5 03/27/03 00 0435600796 05 05/01/03 0 0302002 O 04/01/23 0 8359030 E23/G02 F 192,000.00 ZZ 360 192,000.00 1 6.250 1,182.18 80 6.000 1,182.18 NORWALK CA 90650 5 03/11/03 00 0435588728 05 05/01/03 0 51026860 O 04/01/33 0 8359414 E23/G02 F 184,000.00 ZZ 360 184,000.00 1 6.875 1,208.75 80 6.625 1,208.75 (WINNETKA AREA) CA 91306 1 03/14/03 00 0435605951 01 05/01/03 0 51026903 N 04/01/33 0 8359984 E23/G02 F 250,000.00 ZZ 360 250,000.00 1 6.125 1,519.03 75 5.875 1,519.03 FOLSOM CA 95630 5 03/19/03 00 0435606645 05 05/01/03 0 64000997 O 04/01/33 0 8360543 N67/G02 F 135,000.00 ZZ 360 134,752.92 2 8.500 1,038.03 90 8.250 1,038.03 1 CICERO IL 60804 1 12/17/02 12 0435212196 05 02/01/03 30 3261002772 O 01/01/33 0 8360846 L68/G02 F 148,200.00 ZZ 360 148,200.00 1 7.000 985.98 95 6.750 985.98 COLTON CA 92324 5 03/20/03 14 0435639836 03 05/01/03 30 5365341 O 04/01/33 0 8361198 168/168 F 53,900.00 ZZ 360 53,900.00 1 6.750 349.59 70 6.500 349.59 UNION NY 13760 5 03/07/03 00 0099593556 05 05/01/03 0 0099593556 N 04/01/33 0 8361329 N67/G02 F 71,800.00 ZZ 360 71,643.10 1 7.625 508.20 80 7.375 508.20 LAS VEGAS NV 89103 1 12/12/02 00 0435214333 01 02/01/03 0 1162001219 O 01/01/33 0 8361496 E23/G02 F 357,000.00 ZZ 360 357,000.00 1 6.125 2,169.17 77 5.875 2,169.17 IRVINE CA 92606 2 03/17/03 00 0435631627 01 05/01/03 0 51025126 N 04/01/33 0 8362422 E23/G02 F 140,000.00 ZZ 360 140,000.00 1 6.000 839.37 80 5.750 839.37 OCEANSIDE CA 92057 1 03/21/03 00 0435669361 01 05/01/03 0 51024422 O 04/01/33 0 1 8372159 E22/G02 F 92,000.00 T 360 91,848.74 1 7.000 612.08 80 6.750 612.08 WELLINGTON FL 33414 1 01/17/03 00 0415849546 01 03/01/03 0 0415849546 O 02/01/33 0 8374127 E47/G02 F 196,750.00 ZZ 360 196,375.67 1 6.250 1,211.42 80 6.000 1,211.42 TURLOCK CA 95382 1 01/07/03 00 0435284476 05 03/01/03 0 7359512939 O 02/01/33 0 8376261 964/G02 F 525,000.00 ZZ 360 523,497.76 1 6.250 3,232.52 66 6.000 3,232.52 SAN LUIS OBISPO CA 93401 5 12/23/02 00 0435264239 05 02/01/03 0 289942 O 01/01/33 0 8378659 E33/G02 F 450,000.00 ZZ 360 449,573.02 1 6.250 2,770.73 75 6.000 2,770.73 LAKE FOREST IL 60045 5 02/21/03 00 0435552815 05 04/01/03 0 325484838 O 03/01/33 0 8381153 286/286 F 57,150.00 ZZ 360 56,978.72 3 7.500 399.61 90 7.250 399.61 PITTSBURGH PA 15206 1 11/20/02 11 1674053 05 01/01/03 25 1674053 N 12/01/32 0 8381197 286/286 F 136,000.00 ZZ 360 135,561.06 4 1 7.125 916.26 80 6.875 916.26 SPENCER OH 44275 1 11/19/02 00 1717135 05 01/01/03 0 1717135 N 12/01/32 0 8381241 286/286 F 135,000.00 ZZ 360 134,393.19 4 7.250 920.94 59 7.000 920.94 SANDY UT 84070 2 11/25/02 00 1666640 05 01/01/03 0 1666640 N 12/01/32 0 8392873 E22/G02 F 63,630.00 ZZ 360 63,520.13 2 6.750 412.70 90 6.500 412.70 LUDINGTON MI 49431 1 01/27/03 01 0415775600 05 03/01/03 25 0415775600 N 02/01/33 0 8394243 W02/G02 F 88,500.00 ZZ 360 88,314.74 1 5.750 516.47 89 5.500 516.47 NEW PORT RICHEY FL 34652 5 01/13/03 12 0435328299 05 03/01/03 25 1001872844 O 02/01/33 0 8399141 T44/G02 F 153,000.00 ZZ 360 152,742.20 1 6.875 1,005.10 57 6.625 1,005.10 ELK GROVE CA 95624 5 01/14/03 00 0435537428 05 03/01/03 0 1063514 N 02/01/33 0 8403675 E22/G02 F 105,000.00 ZZ 360 104,818.69 1 6.750 681.03 75 6.500 681.03 CHAPEL HILL NC 27514 5 01/31/03 00 0415741388 01 03/01/03 0 1 0415741388 N 02/01/33 0 8407277 964/G02 F 448,000.00 ZZ 360 446,961.77 1 6.375 2,794.94 79 6.125 2,794.94 HUFFMAN TX 77336 2 01/17/03 00 0435354949 03 03/01/03 0 297730 O 02/01/33 0 8407457 964/G02 F 82,500.00 ZZ 360 81,878.95 1 6.250 507.97 62 6.000 507.97 LAS VEGAS NV 89115 2 01/20/03 00 0435355011 05 03/01/03 0 321298 N 02/01/33 0 8416219 286/286 F 76,500.00 ZZ 360 76,328.61 1 7.500 534.90 90 7.250 534.90 PHILADELPHIA PA 19135 1 12/06/02 21 1610264 05 02/01/03 25 1610264 N 01/01/33 0 8416253 286/286 F 81,000.00 ZZ 360 80,809.27 1 7.250 552.57 75 7.000 552.57 EASTLAKE OH 44095 5 12/17/02 00 1825901 05 02/01/03 0 1825901 N 01/01/33 0 8416545 286/286 F 184,800.00 ZZ 360 184,271.21 1 6.250 1,137.85 70 6.000 1,137.85 ATLANTA GA 30318 5 12/09/02 00 1643454 05 02/01/03 0 1643454 N 01/01/33 0 1 8416815 286/286 F 65,808.00 ZZ 360 65,311.21 2 6.375 410.56 80 6.125 410.56 OGDEN UT 84401 1 07/17/02 00 1447911 05 09/01/02 0 1447911 N 08/01/32 0 8416935 286/286 F 147,750.00 ZZ 360 147,122.17 2 6.875 970.62 79 6.625 970.62 GARLAND TX 75043 5 10/29/02 00 1641386 05 12/01/02 0 1641386 N 11/01/32 0 8416941 286/286 F 147,750.00 ZZ 360 147,122.17 2 6.875 970.62 80 6.625 970.62 GARLAND TX 75043 2 10/29/02 00 1641887 05 12/01/02 0 1641887 N 11/01/32 0 8416987 286/286 F 87,300.00 ZZ 360 87,092.74 1 7.250 595.54 90 7.000 595.54 HAZEL PARK MI 48030 1 12/04/02 11 1790437 05 02/01/03 25 1790437 N 01/01/33 0 8417005 286/286 F 123,500.00 ZZ 360 123,163.26 2 6.500 780.60 75 6.250 780.60 CINCINNATI OH 45212 5 12/05/02 00 1725450 05 02/01/03 0 1725450 N 01/01/33 0 8417011 286/286 F 81,000.00 ZZ 360 80,680.18 1 7.250 552.57 90 7.000 552.57 1 SAINT PAUL MN 55103 1 10/30/02 14 1701959 05 12/01/02 25 1701959 N 11/01/32 0 8417075 286/286 F 61,200.00 ZZ 360 60,972.09 1 6.875 402.05 80 6.625 402.05 MIAMISBURG OH 45342 1 11/29/02 00 1820299 05 01/01/03 0 1820299 N 12/01/32 0 8423195 K15/G02 F 97,900.00 ZZ 360 97,759.95 1 7.700 697.99 89 7.450 697.99 WESTMINSTER MD 21158 1 01/10/03 41 0435354105 09 03/01/03 25 052700113400 N 02/01/33 0 8427253 E22/G02 F 974,500.00 ZZ 360 973,552.85 1 6.125 5,921.16 65 5.875 5,921.16 CARSON CITY NV 89704 2 01/27/03 00 0415819663 05 04/01/03 0 0415819663 O 03/01/33 0 8430377 T44/G02 F 147,200.00 ZZ 360 146,939.54 1 6.625 942.54 80 6.375 942.54 DOTHAN AL 36305 1 01/30/03 00 0435578141 03 03/01/03 0 1064888 O 02/01/33 0 8432645 E22/G02 F 182,750.00 ZZ 360 182,393.85 1 6.125 1,110.41 85 5.875 1,110.41 GARRETSON SD 57030 2 02/03/03 04 0415746288 05 03/01/03 25 0415746288 O 02/01/33 0 1 8434501 168/168 F 35,200.00 ZZ 360 35,083.56 1 7.000 234.19 80 6.750 234.19 LAUDERHILL FL 33313 1 11/19/02 00 0089994418 01 01/01/03 0 0089994418 N 12/01/32 0 8450327 W93/G02 F 109,425.00 ZZ 360 109,321.17 1 6.250 673.75 75 6.000 673.75 NAMPA ID 83686 1 02/10/03 00 0435420872 03 04/01/03 0 59445395 O 03/01/33 0 8451295 X60/G02 F 256,000.00 ZZ 360 255,745.15 1 6.000 1,534.85 45 5.750 1,534.85 WOODINVILLE WA 98072 5 02/06/03 00 0435555719 05 04/01/03 0 100254501 O 03/01/33 0 8452757 E82/G02 F 133,100.00 ZZ 360 132,970.63 1 6.125 808.73 50 5.875 808.73 PASADENA CA 91103 2 02/11/03 00 0400776548 05 04/01/03 0 1881661 O 03/01/33 0 8457345 286/286 F 117,900.00 ZZ 360 117,389.02 2 7.000 784.40 90 6.750 784.40 ELGIN IL 60120 1 11/14/02 12 1719228 05 01/01/03 25 1719228 O 12/01/32 0 8459169 E22/G02 F 400,000.00 ZZ 360 399,611.23 1 1 6.125 2,430.44 68 5.875 2,430.44 BELGRADE MT 59714 5 02/14/03 00 0415961937 05 04/01/03 0 0415961937 O 03/01/33 0 8460029 286/286 F 92,500.00 ZZ 360 92,259.70 4 6.750 599.96 89 6.500 599.96 WESTLAND MI 48186 2 12/02/02 11 1525273 05 02/01/03 25 1525273 N 01/01/33 0 8460031 286/286 F 92,500.00 ZZ 360 92,259.70 4 6.750 599.96 89 6.500 599.96 WESTLAND MI 48186 2 12/02/02 11 1626824 05 02/01/03 25 1626824 N 01/01/33 0 8461333 M27/G02 F 612,000.00 ZZ 360 612,000.00 1 6.000 3,669.25 56 5.750 3,669.25 FRANKLIN TN 37064 5 03/13/03 00 0435583232 05 05/01/03 0 06009005795 O 04/01/33 0 8462137 964/G02 F 260,000.00 ZZ 360 259,455.78 1 5.750 1,517.29 22 5.500 1,517.29 MILL VALLEY CA 94941 5 01/24/03 00 0435441308 05 03/01/03 0 327701 O 02/01/33 0 8464579 E22/G02 F 129,000.00 ZZ 360 128,883.38 1 6.500 815.37 57 6.250 815.37 WOODBRIDGE TOWN NJ 08830 5 02/21/03 00 0415518380 05 04/01/03 0 1 0415518380 N 03/01/33 0 8464633 E22/G02 F 132,000.00 ZZ 360 131,886.35 1 6.750 856.15 80 6.500 856.15 EVANSTON IL 60202 5 02/17/03 00 0415952282 09 04/01/03 0 0415952282 O 03/01/33 0 8466293 G51/G02 F 465,000.00 ZZ 360 464,548.05 1 6.125 2,825.39 62 5.875 2,825.39 BERTHOUD CO 80513 5 02/20/03 00 0435450622 05 04/01/03 0 20004197 O 03/01/33 0 8473187 E22/G02 F 192,800.00 ZZ 360 192,612.61 1 6.125 1,171.47 80 5.875 1,171.47 BURIEN WA 98166 1 02/20/03 00 0416032373 05 04/01/03 0 0416032373 O 03/01/33 0 8474293 168/168 F 61,200.00 ZZ 360 61,066.27 3 7.625 433.17 89 7.375 433.17 ALBANY NY 12206 1 12/27/02 10 0099648229 05 02/01/03 25 0099648229 N 01/01/33 0 8474295 168/168 F 45,600.00 ZZ 360 45,530.39 3 7.375 314.95 80 7.125 314.95 BUFFALO NY 14222 1 01/28/03 00 0099978636 05 03/01/03 0 0099978636 N 02/01/33 0 1 8474373 168/168 F 280,000.00 ZZ 360 279,516.50 1 6.750 1,816.07 80 6.500 1,816.07 HOLTSVILLE NY 11742 5 01/16/03 00 0099763583 05 03/01/03 0 0099763583 O 02/01/33 0 8474457 168/168 F 67,400.00 ZZ 360 67,299.65 4 7.500 471.27 90 7.250 471.27 COLONIE NY 12205 1 01/09/03 28 0099771144 05 03/01/03 25 0099771144 N 02/01/33 0 8475289 E22/G02 F 120,000.00 ZZ 360 119,908.69 1 7.375 828.81 92 7.125 828.81 LIBERTY MS 39645 5 02/21/03 04 0415978428 05 04/01/03 30 0415978428 O 03/01/33 0 8476763 253/253 F 128,250.00 ZZ 360 128,139.58 2 6.750 831.83 90 6.500 831.83 NORTH RICHLAND TX 76180 1 02/14/03 19 457484 05 04/01/03 25 457484 N 03/01/33 0 8477035 N34/G02 F 257,550.00 T 360 257,322.77 1 6.625 1,649.12 80 6.375 1,649.12 CHICAGO IL 60607 1 02/06/03 00 0435556162 06 04/01/03 0 7678896 O 03/01/33 0 8477061 Q49/G02 F 77,400.00 ZZ 360 77,333.37 1 6.750 502.01 90 6.500 502.01 1 SCRANTON PA 18504 1 02/24/03 04 0435554985 05 04/01/03 25 47200203 O 03/01/33 0 8477065 N47/G02 F 128,000.00 ZZ 360 127,884.28 1 6.500 809.05 80 6.250 809.05 MILILANI HI 96789 1 02/18/03 00 0435546692 01 04/01/03 0 90500743 N 03/01/33 0 8477753 E22/G02 F 128,500.00 ZZ 360 128,375.11 1 6.125 780.78 74 5.875 780.78 CITRUS HEIGHTS CA 95621 5 02/20/03 00 0416236503 05 04/01/03 0 0416236503 O 03/01/33 0 8477763 E22/G02 F 193,910.00 ZZ 360 193,747.09 1 6.875 1,273.85 95 6.625 1,273.85 DENVER CO 80239 1 02/25/03 04 0416259604 05 04/01/03 30 0416259604 O 03/01/33 0 8477799 E22/G02 F 255,000.00 ZZ 360 254,733.77 1 5.750 1,488.11 58 5.500 1,488.11 HENDERSON CO 80640 5 02/21/03 00 0416121390 05 04/01/03 0 0416121390 O 03/01/33 0 8477985 E82/G02 F 93,500.00 ZZ 360 93,500.00 1 6.125 568.12 70 5.875 568.12 CHENEY WA 99004 2 02/26/03 00 0400789582 03 05/01/03 0 1815375 O 04/01/33 0 1 8478531 P09/G02 F 103,000.00 ZZ 360 103,000.00 1 6.125 625.84 74 5.875 625.84 CHANTILLY VA 20151 2 02/26/03 00 0435461066 01 05/01/03 0 LAURETTI O 04/01/33 0 8482025 U41/G02 F 77,600.00 ZZ 360 77,600.00 1 7.000 516.27 80 6.750 516.27 CUMBERLAND WI 54829 5 02/26/03 00 0435445911 05 05/01/03 0 PETERSON2829 O 04/01/33 0 8482595 E47/G02 F 240,000.00 ZZ 360 239,766.73 1 6.125 1,458.27 80 5.875 1,458.27 SAN JOSE CA 95111 2 02/20/03 00 0435556360 09 04/01/03 0 7333013133 O 03/01/33 0 8483699 E22/G02 F 228,000.00 ZZ 360 227,773.02 1 6.000 1,366.98 70 5.750 1,366.98 MONCKS CORNER SC 29461 2 02/24/03 00 0415920065 05 04/01/03 0 0415920065 O 03/01/33 0 8483887 E22/G02 F 173,755.00 ZZ 360 173,590.13 1 6.250 1,069.84 95 6.000 1,069.84 HELENA AL 35080 1 02/28/03 04 0416212892 05 04/01/03 30 0416212892 O 03/01/33 0 8483911 E22/G02 F 440,000.00 ZZ 360 439,611.80 1 1 6.625 2,817.37 80 6.375 2,817.37 RIVERDALE GA 30296 5 02/24/03 00 0416234391 05 04/01/03 0 0416234391 O 03/01/33 0 8484143 E22/G02 F 500,000.00 ZZ 360 499,547.99 1 6.500 3,160.34 75 6.250 3,160.34 SANTA YNEZ CA 93460 5 02/17/03 00 0416176873 05 04/01/03 0 0416176873 O 03/01/33 0 8484955 U36/G02 F 97,650.00 ZZ 360 97,561.72 1 6.500 617.22 90 6.250 617.22 COLUMBIA SC 29205 1 02/11/03 12 0435463500 05 04/01/03 25 103422003 O 03/01/33 0 8486577 M07/G02 F 115,000.00 ZZ 360 114,908.03 1 7.125 774.78 32 6.875 774.78 CERRITOS CA 90703 5 02/25/03 00 0435545942 05 04/01/03 0 02302231 N 03/01/33 0 8487485 E22/G02 F 172,037.00 ZZ 360 171,873.77 1 6.250 1,059.26 70 6.000 1,059.26 FAIR OAKS CA 95628 1 02/26/03 00 0415870583 05 04/01/03 0 0415870583 N 03/01/33 0 8488899 P09/G02 F 147,600.00 ZZ 360 147,600.00 1 5.750 861.35 47 5.500 861.35 BROOKEVILLE MD 20833 2 02/28/03 00 0435472469 05 05/01/03 0 1 03010024 O 04/01/33 0 8489351 R26/G02 F 281,000.00 ZZ 360 281,000.00 1 6.250 1,730.17 75 6.000 1,730.17 CARNELIAN BAY CA 96140 5 02/25/03 00 0435450754 05 05/01/03 0 00010010000 O 04/01/33 0 8489589 X78/G02 F 337,500.00 ZZ 360 337,500.00 1 6.375 2,105.56 71 6.125 2,105.56 ATLANTA GA 30342 5 02/27/03 00 0435470745 05 05/01/03 0 990315 O 04/01/33 0 8489663 Q87/G02 F 110,000.00 ZZ 300 109,669.33 1 5.750 692.02 69 5.500 692.02 CAPE CORAL FL 33914 5 02/21/03 00 0435476502 05 03/26/03 0 HAJ005 O 02/26/28 0 8489691 M24/G02 F 256,000.00 ZZ 360 255,768.58 3 6.500 1,618.09 85 6.250 1,618.09 LOS ANGELES CA 90019 5 02/05/03 14 0435588082 05 04/01/03 12 288209354 O 03/01/33 0 8490411 E22/G02 F 85,600.00 ZZ 360 85,600.00 1 5.875 506.36 80 5.625 506.36 MCCLEARY WA 98557 5 02/25/03 00 0414793638 05 05/01/03 0 0414793638 O 04/01/33 0 1 8490489 E22/G02 F 650,000.00 ZZ 360 650,000.00 1 6.250 4,002.16 55 6.000 4,002.16 ERIE CO 81516 2 03/04/03 00 0415984616 05 05/01/03 0 0415984616 N 04/01/33 0 8490565 E22/G02 F 128,000.00 ZZ 360 127,884.28 1 6.500 809.05 80 6.250 809.05 WORCESTER MA 01602 2 02/27/03 00 0416117224 05 04/01/03 0 0416117224 O 03/01/33 0 8490593 E22/G02 F 399,900.00 ZZ 360 399,900.00 1 6.125 2,429.83 77 5.875 2,429.83 LATROBE CA 95682 5 02/26/03 00 0416164390 05 05/01/03 0 0416164390 O 04/01/33 0 8490639 E22/G02 F 348,000.00 ZZ 360 347,653.56 1 6.000 2,086.44 80 5.750 2,086.44 ARVADA CO 80004 5 02/27/03 00 0416240760 05 04/01/03 0 0416240760 O 03/01/33 0 8490731 E82/G02 F 93,000.00 ZZ 360 93,000.00 1 6.125 565.08 44 5.875 565.08 SOUTH SAN FRANC CA 94080 2 02/27/03 00 0400771184 01 05/01/03 0 0400771184 O 04/01/33 0 8490819 W08/G02 F 150,000.00 ZZ 360 150,000.00 1 6.299 928.36 75 6.049 928.36 1 MIAMI FL 33165 5 02/27/03 00 0435587894 05 05/01/03 0 022469MG O 04/01/33 0 8491617 286/286 F 256,500.00 ZZ 360 255,783.49 4 6.375 1,600.23 90 6.125 1,600.23 TUCSON AZ 85705 1 12/24/02 10 1816990 05 02/01/03 25 1816990 N 01/01/33 0 8491689 286/286 F 87,300.00 ZZ 360 87,166.73 3 7.375 602.96 90 7.125 602.96 WATERBURY CT 06704 1 01/09/03 11 1763695 05 03/01/03 25 1763695 N 02/01/33 0 8491805 286/286 F 156,000.00 ZZ 360 155,584.80 3 6.625 998.89 83 6.375 998.89 WEST HAVEN CT 06516 5 12/24/02 12 1821672 05 02/01/03 12 1821672 O 01/01/33 0 8491819 286/286 F 230,000.00 ZZ 360 229,431.10 4 7.000 1,530.20 80 6.750 1,530.20 PROSPECT PARK NJ 07508 1 12/20/02 00 1819367 05 02/01/03 0 1819367 N 01/01/33 0 8491851 286/286 F 142,400.00 ZZ 360 142,064.72 1 7.250 971.42 80 7.000 971.42 FLORENCE SC 29501 2 12/20/02 00 1837687 05 02/01/03 0 1837687 N 01/01/33 0 1 8491919 286/286 F 150,000.00 ZZ 360 149,214.12 1 6.750 972.90 94 6.500 972.90 AURORA CO 80017 2 09/24/02 14 1501976 01 11/01/02 25 1501976 O 10/01/32 0 8491987 286/286 F 340,000.00 ZZ 360 339,337.39 1 6.125 2,065.88 85 5.875 2,065.88 CHICAGO IL 60653 5 01/02/03 19 1874982 07 03/01/03 12 1874982 O 02/01/33 0 8491991 286/286 F 184,500.00 ZZ 360 184,196.64 2 7.000 1,227.49 90 6.750 1,227.49 CHICAGO IL 60637 2 01/15/03 19 1926902 05 03/01/03 25 1926902 N 02/01/33 0 8492061 286/286 F 171,000.00 ZZ 360 170,738.69 2 7.375 1,181.06 90 7.125 1,181.06 CHICAGO IL 60602 1 01/16/03 12 1725035 05 03/01/03 25 1725035 N 02/01/33 0 8492077 286/286 F 120,650.00 ZZ 360 120,465.82 3 7.375 833.30 95 7.125 833.30 NEW HAVEN CT 06519 5 01/07/03 14 1872039 05 03/01/03 25 1872039 O 02/01/33 0 8492253 K60/G02 F 151,050.00 ZZ 360 150,913.45 1 1 6.500 954.74 95 6.250 954.74 CRANBERRY TWP PA 16066 1 02/27/03 04 0435624945 05 04/01/03 30 75052 O 03/01/33 0 8492259 E47/G02 F 127,900.00 ZZ 360 127,775.69 1 6.125 777.13 46 5.875 777.13 BULVERDE TX 78163 2 02/21/03 00 0435599113 05 04/01/03 0 7329012183 O 03/01/33 0 8492261 N47/G02 F 230,000.00 ZZ 360 229,771.03 1 6.000 1,378.97 61 5.750 1,378.97 EAST PALO ALTO CA 94303 2 02/21/03 00 0435551874 05 04/01/03 0 20502874 O 03/01/33 0 8492749 P09/G02 F 552,500.00 ZZ 360 552,500.00 1 6.000 3,312.52 80 5.750 3,312.52 ASHBURN VA 20147 5 02/28/03 00 0435487079 03 05/01/03 0 IRELAND O 04/01/33 0 8494895 E82/G02 F 76,000.00 ZZ 360 76,000.00 1 6.875 499.27 80 6.625 499.27 APPLE VALLEY CA 92307 5 02/28/03 00 0400755930 05 05/01/03 0 0400755930 O 04/01/33 0 8494897 E82/G02 F 139,800.00 ZZ 360 139,800.00 1 6.875 918.39 80 6.625 918.39 HANCEVILLE AL 35077 2 03/03/03 00 0400795126 05 05/01/03 0 1 0400795126 O 04/01/33 0 8494903 E82/G02 F 160,800.00 ZZ 360 160,800.00 1 6.250 990.07 80 6.000 990.07 STRONGSVILLE OH 44136 2 03/03/03 00 0400784054 05 05/01/03 0 0400784054 O 04/01/33 0 8494935 E82/G02 F 128,000.00 ZZ 360 128,000.00 1 6.125 777.74 56 5.875 777.74 FORT WORTH TX 76116 2 03/03/03 00 0400777512 05 05/01/03 0 0400777512 O 04/01/33 0 8495177 N34/G02 F 115,000.00 ZZ 360 115,000.00 1 5.750 671.11 89 5.500 671.11 SCHERERVILLE IN 46375 1 03/03/03 10 0435489422 01 05/01/03 25 0681366 O 04/01/33 0 8495313 E22/G02 F 212,500.00 ZZ 360 212,500.00 1 6.125 1,291.17 80 5.875 1,291.17 EVERGREEN CO 80439 2 02/28/03 00 0415912856 05 05/01/03 0 0415912856 O 04/01/33 0 8495357 E22/G02 F 124,000.00 ZZ 360 123,887.91 1 6.500 783.76 80 6.250 783.76 AURORA CO 80013 1 03/05/03 00 0416019248 09 04/01/03 0 0416019248 N 03/01/33 0 1 8495453 E22/G02 F 308,000.00 ZZ 360 307,721.56 1 6.500 1,946.77 74 6.250 1,946.77 GREEN OAKS IL 60048 5 02/28/03 00 0416137222 05 04/01/03 0 0416137222 O 03/01/33 0 8495471 E22/G02 F 352,000.00 ZZ 360 352,000.00 1 6.750 2,283.07 59 6.500 2,283.07 CLAYTON CA 94517 2 02/27/03 00 0416144087 03 05/01/03 0 0416144087 N 04/01/33 0 8495629 E22/G02 F 160,800.00 ZZ 360 160,800.00 1 6.250 990.07 80 6.000 990.07 BEND OR 97701 5 02/26/03 00 0415847136 05 05/01/03 0 0415847136 O 04/01/33 0 8495695 E22/G02 F 310,000.00 ZZ 360 310,000.00 1 6.125 1,883.59 60 5.875 1,883.59 SAN JOSE CA 95123 5 02/27/03 00 0416160455 05 05/01/03 0 0416160455 O 04/01/33 0 8495701 E22/G02 F 244,000.00 ZZ 360 244,000.00 2 6.750 1,582.58 80 6.500 1,582.58 RED BANK NJ 07701 5 02/28/03 00 0416174035 05 05/01/03 0 0416174035 O 04/01/33 0 8495705 E22/G02 F 105,000.00 ZZ 360 105,000.00 1 6.250 646.50 62 6.000 646.50 1 WEST JORDAN UT 84084 2 02/27/03 00 0416175107 05 05/01/03 0 0416175107 O 04/01/33 0 8495717 E22/G02 F 148,500.00 ZZ 360 148,500.00 4 7.750 1,063.87 90 7.500 1,063.87 NEW ORLEANS LA 70119 2 03/05/03 01 0416180891 05 05/01/03 25 0416180891 N 04/01/33 0 8495745 E22/G02 F 133,155.00 ZZ 360 133,155.00 4 6.625 852.61 90 6.375 852.61 SAN ANTONIO TX 78213 1 03/05/03 01 0416201945 05 05/01/03 25 0416201945 N 04/01/33 0 8495759 E22/G02 F 280,000.00 ZZ 360 280,000.00 1 6.625 1,792.87 80 6.375 1,792.87 SAN LEANDRO CA 94577 5 02/24/03 00 0416224764 05 05/01/03 0 0416224764 N 04/01/33 0 8495837 E22/G02 F 450,000.00 ZZ 360 450,000.00 1 6.125 2,734.25 70 5.875 2,734.25 PELL CITY AL 35128 5 02/28/03 00 0416267730 05 05/01/03 0 0416267730 O 04/01/33 0 8495855 E22/G02 F 562,443.00 ZZ 360 562,443.00 1 6.500 3,555.02 72 6.250 3,555.02 L.A.(NORTHRIDGE CA 91325 5 02/25/03 00 0416293561 05 05/01/03 0 0416293561 O 04/01/33 0 1 8495865 E22/G02 F 192,800.00 ZZ 360 192,800.00 1 6.000 1,155.93 80 5.750 1,155.93 SACRAMENTO CA 95838 5 02/27/03 00 0416311322 05 05/01/03 0 0416311322 O 04/01/33 0 8495867 E22/G02 F 375,000.00 ZZ 360 375,000.00 2 6.125 2,278.54 75 5.875 2,278.54 SANTA ROSA CA 95409 1 02/27/03 00 0416316552 05 05/01/03 0 0416316552 N 04/01/33 0 8499509 U42/G02 F 382,900.00 TX 360 382,545.36 1 6.375 2,388.80 77 6.125 2,388.80 AUSTIN TX 78731 5 02/24/03 00 0435543772 05 04/01/03 0 10300132 O 03/01/33 0 8499555 X51/G02 F 440,000.00 ZZ 360 440,000.00 1 6.375 2,745.03 80 6.125 2,745.03 MILPITAS CA 95035 5 02/26/03 00 0435464110 05 05/01/03 0 021226308 O 04/01/33 0 8499681 964/G02 F 214,000.00 ZZ 360 213,765.76 1 5.500 1,215.07 50 5.250 1,215.07 CAMBRIA CA 93428 5 02/04/03 00 0435462916 05 04/01/03 0 330353 O 03/01/33 0 8500077 W93/G02 F 120,000.00 ZZ 360 119,888.86 1 1 6.375 748.64 80 6.125 748.64 MESA AZ 85215 1 02/18/03 00 0435536339 03 04/01/03 0 88431233 O 03/01/33 0 8500979 W45/G02 F 322,000.00 ZZ 360 322,000.00 1 5.750 1,879.10 52 5.500 1,879.10 MURRIETA CA 92562 5 03/03/03 00 0435483730 05 05/01/03 0 03021414025 O 04/01/33 0 8501931 E82/G02 F 201,800.00 ZZ 360 201,800.00 1 6.500 1,275.51 76 6.250 1,275.51 ARGYLE TX 76226 2 03/04/03 00 0400755005 05 05/01/03 0 0400755005 O 04/01/33 0 8502065 E22/G02 F 120,000.00 ZZ 360 120,000.00 1 6.125 729.13 80 5.875 729.13 FORESTHILL CA 95631 5 02/27/03 00 0416272268 05 05/01/03 0 0416272268 N 04/01/33 0 8502105 E22/G02 F 52,000.00 ZZ 360 52,000.00 1 6.500 328.68 80 6.250 328.68 ASHEVILLE NC 28806 1 03/06/03 00 0416358380 05 05/01/03 0 0416358380 N 04/01/33 0 8502119 E22/G02 F 192,800.00 ZZ 360 192,800.00 1 6.250 1,187.10 80 6.000 1,187.10 ROSEVILLE CA 95678 5 02/27/03 00 0415759653 05 05/01/03 0 1 0415759653 O 04/01/33 0 8502151 E22/G02 F 72,000.00 ZZ 360 72,000.00 1 6.250 443.32 80 6.000 443.32 DELTA OH 43515 1 03/06/03 00 0416014835 05 05/01/03 0 0416014835 O 04/01/33 0 8502207 E22/G02 F 228,800.00 ZZ 360 228,800.00 1 5.875 1,353.44 80 5.625 1,353.44 ESPARTO CA 95627 5 02/25/03 00 0416039402 05 05/01/03 0 0416039402 O 04/01/33 0 8502221 E22/G02 F 71,400.00 ZZ 360 71,400.00 1 6.375 445.44 50 6.125 445.44 BAKERSFIELD CA 93313 1 03/02/03 00 0416131175 05 05/01/03 0 0416131175 N 04/01/33 0 8502451 W02/G02 F 93,500.00 ZZ 360 93,413.40 1 6.375 583.32 79 6.125 583.32 JACKSONVILLE FL 32257 5 02/24/03 00 0435534243 05 04/01/03 0 1002111267 O 03/01/33 0 8502613 M24/G02 F 109,200.00 ZZ 360 109,121.01 1 7.628 773.14 95 7.378 773.14 FRESNO CA 93727 5 02/20/03 14 0435494109 05 04/01/03 30 309107808 O 03/01/33 0 1 8502773 W39/G02 F 225,000.00 ZZ 360 225,000.00 2 6.625 1,440.70 90 6.375 1,440.70 DALLAS TX 75206 1 03/04/03 01 0435470893 05 05/01/03 25 PNI31525 N 04/01/33 0 8502813 W08/G02 F 97,000.00 ZZ 360 97,000.00 1 6.375 605.15 43 6.125 605.15 MIAMI FL 33133 5 02/27/03 00 0435486246 05 05/01/03 0 022320MG O 04/01/33 0 8503247 956/956 F 526,000.00 ZZ 360 524,421.21 1 6.000 3,153.64 73 5.750 3,153.64 RIVERSIDE CA 92506 5 12/10/02 00 1112120319 05 02/01/03 0 1112120319 O 01/01/33 0 8503375 A06/G02 F 175,400.00 ZZ 360 175,229.52 1 6.125 1,065.75 80 5.875 1,065.75 WESTLAND MI 48185 2 02/25/03 00 0435493747 05 04/01/03 0 1 O 03/01/33 0 8503425 U35/G02 F 55,950.00 ZZ 360 55,950.00 1 7.500 391.21 87 7.250 391.21 INDIANAPOLIS IN 46201 1 03/06/03 02 0435494430 05 05/01/03 25 7778871 N 04/01/33 0 8503495 U36/G02 F 170,000.00 ZZ 360 169,846.31 1 6.500 1,074.52 74 6.250 1,074.52 1 ATLANTA GA 30307 5 02/24/03 00 0435514047 05 04/01/03 0 104002003 N 03/01/33 0 8503591 956/956 F 650,000.00 ZZ 360 648,099.68 1 6.000 3,897.08 75 5.750 3,897.08 CUPERTINO CA 95014 2 01/16/03 00 112120286 05 03/01/03 0 112120286 O 02/01/33 0 8503593 956/956 F 499,000.00 ZZ 360 498,117.07 1 6.625 3,195.15 73 6.375 3,195.15 SCOTTSDALE AZ 85260 2 01/15/03 00 412120046 05 03/01/03 0 412120046 O 02/01/33 0 8503597 956/956 F 525,000.00 ZZ 360 523,976.85 1 6.125 3,189.96 67 5.875 3,189.96 MORAGA CA 94556 5 01/06/03 00 812110185 05 03/01/03 0 812110185 O 02/01/33 0 8503601 956/956 F 400,000.00 ZZ 360 399,214.43 1 6.125 2,430.44 75 5.875 2,430.44 ENCINITAS CA 92024 5 01/23/03 00 1513010040 03 03/01/03 0 1513010040 O 02/01/33 0 8503607 956/956 F 452,000.00 ZZ 360 451,097.81 1 6.000 2,709.97 80 5.750 2,709.97 SAN LUIS OBISPO CA 93401 1 01/23/03 00 2913010048 03 03/01/03 0 2913010048 O 02/01/33 0 1 8503611 956/956 F 369,400.00 ZZ 360 368,662.68 1 6.000 2,214.74 80 5.750 2,214.74 OVERLAND PARK KS 66223 2 01/16/03 00 4312120272 03 03/01/03 0 4312120272 O 02/01/33 0 8503747 M18/G02 F 225,000.00 ZZ 360 225,000.00 1 5.875 1,330.96 67 5.625 1,330.96 IRVINE CA 92620 5 02/20/03 00 0435475447 01 05/01/03 0 980102307 O 04/01/33 0 8503791 N74/G02 F 98,800.00 ZZ 360 98,706.25 1 6.250 608.33 95 6.000 608.33 WINSTON SALEM NC 27104 2 02/28/03 10 0435485891 05 04/05/03 30 0031885010 O 03/05/33 0 8503815 G27/G02 F 225,250.00 ZZ 360 225,250.00 1 6.250 1,386.90 85 6.000 1,386.90 MODESTO CA 95355 1 03/04/03 26 0435471164 05 05/01/03 12 10003003 O 04/01/33 0 8504215 168/168 F 290,000.00 ZZ 360 289,737.83 1 6.500 1,833.00 80 6.250 1,833.00 BROOKHAVEN NY 11792 5 02/07/03 00 0099357496 05 04/01/03 0 0099357496 O 03/01/33 0 8504381 956/956 F 374,000.00 ZZ 360 373,271.14 1 1 6.125 2,272.46 77 5.875 2,272.46 DALY CITY CA 94014 2 01/24/03 00 112100680 05 03/01/03 0 112100680 O 02/01/33 0 8504387 956/956 F 352,000.00 ZZ 360 351,623.69 1 5.625 2,026.31 80 5.375 2,026.31 SAN FRANCISCO CA 94134 2 02/12/03 00 113010034 05 04/01/03 0 113010034 O 03/01/33 0 8504405 956/956 F 513,000.00 ZZ 360 512,000.25 1 6.125 3,117.04 71 5.875 3,117.04 SAN FRANCISCO CA 94114 2 01/24/03 00 212120109 05 03/01/03 0 212120109 O 02/01/33 0 8504415 956/956 F 348,000.00 ZZ 360 347,653.56 1 6.000 2,086.44 80 5.750 2,086.44 ALAMEDA CA 94502 2 02/04/03 00 213010109 03 04/01/03 0 213010109 O 03/01/33 0 8504423 956/956 F 399,000.00 ZZ 360 398,203.59 1 6.000 2,392.21 80 5.750 2,392.21 LOS ANGELES CA 91326 1 02/06/03 00 513010010 05 03/01/03 0 513010010 O 02/01/33 0 8504443 956/956 F 520,000.00 ZZ 360 518,986.62 1 6.125 3,159.57 80 5.875 3,159.57 SANTA ROSA CA 95409 2 02/01/03 00 712120304 05 03/01/03 0 1 712120304 O 02/01/33 0 8504453 956/956 F 444,500.00 ZZ 360 443,197.29 1 6.125 2,700.83 70 5.875 2,700.83 FULLERTON CA 92835 5 12/18/02 00 1112110653 05 02/01/03 0 1112110653 O 01/01/33 0 8504539 956/956 F 572,000.00 ZZ 360 570,830.78 1 5.875 3,383.60 80 5.625 3,383.60 MIDWAY UT 84049 1 01/09/03 00 1113010257 05 03/01/03 0 1113010257 O 02/01/33 0 8504545 956/956 F 377,600.00 ZZ 360 377,224.10 1 6.000 2,263.90 80 5.750 2,263.90 ENCINITAS CA 92024 2 02/12/03 00 1512120148 05 04/01/03 0 1512120148 O 03/01/33 0 8504553 956/956 F 400,000.00 ZZ 360 399,162.76 1 5.750 2,334.29 73 5.500 2,334.29 DANA POINT CA 92629 5 01/28/03 00 1513010062 05 03/01/03 0 1513010062 O 02/01/33 0 8504565 956/956 F 605,500.00 ZZ 360 604,262.31 1 5.875 3,581.76 70 5.625 3,581.76 LAS VEGAS NV 89135 5 01/28/03 00 3712120046 03 03/01/03 0 3712120046 O 02/01/33 0 1 8505079 X78/G02 F 110,900.00 ZZ 360 110,900.00 1 6.500 700.96 77 6.250 700.96 LITHONIA GA 30058 2 03/07/03 00 0435493846 03 05/01/03 0 990321 N 04/01/33 0 8507053 E22/G02 F 134,250.00 ZZ 360 134,128.64 4 6.500 848.55 75 6.250 848.55 BOUTTEE LA 70039 2 03/06/03 00 0415974831 05 04/01/03 0 0415974831 N 03/01/33 0 8507173 E22/G02 F 128,000.00 ZZ 360 128,000.00 1 6.125 777.74 56 5.875 777.74 COTTONTOWN TN 37048 5 03/03/03 00 0416117786 05 05/01/03 0 0416117786 O 04/01/33 0 8507177 E22/G02 F 57,300.00 ZZ 360 57,300.00 1 6.500 362.17 55 6.250 362.17 FORT COLLINS CO 80521 2 03/03/03 00 0416120285 01 05/01/03 0 0416120285 N 04/01/33 0 8507193 E22/G02 F 170,050.00 ZZ 360 170,050.00 1 6.250 1,047.03 95 6.000 1,047.03 SAPULPA OK 74066 1 03/07/03 04 0416141000 03 05/01/03 30 0416141000 O 04/01/33 0 8507201 E22/G02 F 147,250.00 ZZ 360 147,250.00 4 6.625 942.86 95 6.375 942.86 1 NORTHFIELD NH 03276 1 03/07/03 10 0415145688 05 05/01/03 30 0416145688 O 04/01/33 0 8507225 E22/G02 F 66,500.00 ZZ 360 66,500.00 1 6.875 436.86 95 6.625 436.86 HOUSTON TX 77060 1 03/07/03 01 0416171304 03 05/01/03 30 0416171304 O 04/01/33 0 8507243 E22/G02 F 86,000.00 ZZ 360 86,000.00 1 6.875 564.96 80 6.625 564.96 RICHMOND TX 77469 1 03/07/03 00 0416196970 03 05/01/03 0 0416196970 N 04/01/33 0 8507291 E22/G02 F 81,600.00 ZZ 360 81,600.00 1 6.375 509.08 80 6.125 509.08 EUGENE OR 97401 1 03/01/03 00 0416244580 05 05/01/03 0 0416244580 N 04/01/33 0 8507301 E22/G02 F 149,000.00 ZZ 360 149,000.00 2 6.875 978.82 80 6.625 978.82 WACO TX 76706 2 03/07/03 00 0416258515 05 05/01/03 0 0416258515 N 04/01/33 0 8507303 E22/G02 F 149,000.00 ZZ 360 149,000.00 2 6.875 978.82 80 6.625 978.82 WACO TX 76706 2 03/07/03 00 0416259257 05 05/01/03 0 0416259257 N 04/01/33 0 1 8507401 E22/G02 F 508,000.00 ZZ 360 508,000.00 1 6.250 3,127.84 80 6.000 3,127.84 AUBURN CA 95602 1 03/03/03 00 0416348571 05 05/01/03 0 0416348571 O 04/01/33 0 8507413 E22/G02 F 86,000.00 ZZ 360 85,927.75 3 6.875 564.96 64 6.625 564.96 LOUISVILLE KY 40203 2 03/07/03 00 0416356269 05 04/01/03 0 0416356269 N 03/01/33 0 8508305 S27/G02 F 98,500.00 ZZ 360 98,500.00 1 7.250 671.95 80 7.000 671.95 PORT SAINT LUCI FL 34983 1 03/05/03 00 0435493796 05 05/01/03 0 1090000861 O 04/01/33 0 8508635 601/G02 F 200,000.00 ZZ 360 199,819.19 1 6.500 1,264.14 77 6.250 1,264.14 DEER PARK NY 11729 5 02/11/03 00 0435473012 05 04/01/03 0 6246748 O 03/01/33 0 8508665 601/G02 F 200,000.00 ZZ 360 199,810.24 1 6.250 1,231.43 80 6.000 1,231.43 CHICAGO IL 60647 2 02/21/03 00 0435472428 01 04/01/03 0 624967 O 03/01/33 0 8508681 601/G02 F 113,000.00 ZZ 360 112,897.84 1 1 6.500 714.24 76 6.250 714.24 TAOS NM 87571 5 02/06/03 00 0435472584 05 04/01/03 0 6247171 O 03/01/33 0 8508751 601/G02 F 150,522.00 ZZ 360 150,382.58 1 6.375 939.07 75 6.125 939.07 READING PA 19606 1 02/28/03 00 0435476676 05 04/01/03 0 6248247 O 03/01/33 0 8508775 S43/G02 F 115,300.00 ZZ 360 115,300.00 1 5.875 682.04 77 5.625 682.04 ALBUQUERQUE NM 87112 5 03/05/03 00 0435505664 05 05/01/03 0 022328 O 04/01/33 0 8509257 369/G02 F 93,300.00 ZZ 360 93,215.66 1 6.500 589.72 64 6.250 589.72 MORENO VALLEY CA 92557 2 02/06/03 00 0435489182 05 04/01/03 0 0074932567 N 03/01/33 0 8509607 X13/G02 F 164,000.00 ZZ 360 164,000.00 1 6.000 983.27 80 5.750 983.27 OLNEY MD 20832 5 02/25/03 00 0435581277 09 05/01/03 0 206056 O 04/01/33 0 8509637 601/G02 F 258,000.00 ZZ 360 257,766.76 3 6.500 1,630.74 86 6.250 1,630.74 LAWRENCE MA 01843 5 02/17/03 11 0435471289 05 04/01/03 25 1 62486311 O 03/01/33 0 8509785 601/G02 F 226,100.00 ZZ 360 225,895.60 1 6.500 1,429.11 85 6.250 1,429.11 FARIBAULT MN 55021 2 02/11/03 11 0435477351 05 04/01/03 12 62344304 O 03/01/33 0 8510503 F89/G02 F 216,000.00 ZZ 360 216,000.00 1 6.250 1,329.95 80 6.000 1,329.95 DOWNEY CA 90240 1 02/24/03 00 0435491915 05 05/01/03 0 13728147 N 04/01/33 0 8511057 Y23/G02 F 103,200.00 TX 360 103,200.00 1 6.750 669.36 80 6.500 669.36 RED OAK TX 75154 5 03/06/03 00 0435555586 05 05/01/03 0 1000145663 O 04/01/33 0 8511159 X82/G02 F 63,200.00 ZZ 360 63,145.59 1 6.750 409.91 80 6.500 409.91 FRONT ROYAL VA 22630 5 02/26/03 00 0435557657 07 04/01/03 0 848114 N 03/01/33 0 8511715 E82/G02 F 153,500.00 ZZ 360 153,500.00 1 6.625 982.88 84 6.375 982.88 SANTA CLARITA CA 91355 2 03/04/03 10 0400792412 01 05/01/03 12 0400792412 O 04/01/33 0 1 8511729 E82/G02 F 122,400.00 ZZ 360 122,400.00 1 6.250 753.64 72 6.000 753.64 JUPITER FL 33458 2 03/07/03 00 0400791364 03 05/01/03 0 0400791364 O 04/01/33 0 8511881 E82/G02 F 258,500.00 ZZ 360 258,500.00 1 6.875 1,698.16 62 6.625 1,698.16 VIENNA VA 22182 2 03/07/03 00 0400777504 05 05/01/03 0 0400777504 N 04/01/33 0 8511905 E82/G02 F 51,000.00 ZZ 360 51,000.00 1 6.000 305.77 51 5.750 305.77 NORWICH CT 06360 2 03/05/03 00 0400796785 05 05/01/03 0 0400796785 O 04/01/33 0 8511917 E22/G02 F 240,000.00 ZZ 360 240,000.00 1 6.125 1,458.27 80 5.875 1,458.27 DALLAS TX 75214 5 03/04/03 00 0416050144 05 05/01/03 0 0416050144 O 04/01/33 0 8511921 E22/G02 F 128,096.00 ZZ 360 128,096.00 1 6.625 820.21 80 6.375 820.21 HOUSTON TX 77070 1 03/06/03 00 0416052835 03 05/01/03 0 0416052835 N 04/01/33 0 8511957 E82/G02 F 127,000.00 ZZ 360 127,000.00 1 6.375 792.31 65 6.125 792.31 1 FRISCO CO 80435 2 03/06/03 00 0400785960 01 05/01/03 0 0400785960 O 04/01/33 0 8512009 E82/G02 F 72,000.00 ZZ 360 72,000.00 1 6.125 437.48 36 5.875 437.48 REDMOND WA 98052 2 03/06/03 00 0400788832 05 05/01/03 0 0400788832 O 04/01/33 0 8512013 E82/G02 F 52,800.00 ZZ 360 52,800.00 3 7.250 360.19 40 7.000 360.19 BALTIMORE MD 21218 2 03/05/03 00 0400761995 05 05/01/03 0 0400761995 O 04/01/33 0 8512075 E22/G02 F 171,000.00 ZZ 360 171,000.00 1 6.500 1,080.84 90 6.250 1,080.84 MIRAMAR FL 33027 1 03/10/03 01 0416321024 09 05/01/03 25 0416321024 O 04/01/33 0 8512087 E22/G02 F 195,000.00 ZZ 360 195,000.00 1 6.000 1,169.12 80 5.750 1,169.12 RENO NV 89511 5 03/04/03 00 0416351914 05 05/01/03 0 0416351914 O 04/01/33 0 8512109 E22/G02 F 128,000.00 ZZ 360 128,000.00 1 6.375 798.55 80 6.125 798.55 RICHARDSON TX 75083 5 03/05/03 00 0415667500 05 05/01/03 0 0415667500 O 04/01/33 0 1 8512115 E22/G02 F 192,000.00 ZZ 360 192,000.00 1 6.000 1,151.14 79 5.750 1,151.14 PORTLAND OR 97202 2 02/27/03 00 0415782234 05 05/01/03 0 0415782234 O 04/01/33 0 8512129 E22/G02 F 47,650.00 ZZ 360 47,650.00 1 7.750 341.37 90 7.500 341.37 GRAND ISLAND NE 68801 2 03/05/03 04 0415879246 05 05/01/03 25 0415879246 O 04/01/33 0 8512135 E22/G02 F 345,000.00 ZZ 360 345,000.00 1 6.250 2,124.22 67 6.000 2,124.22 KINGS PARK NY 11754 5 03/04/03 00 0415912989 05 05/01/03 0 0415912989 O 04/01/33 0 8512171 E22/G02 F 225,000.00 ZZ 360 225,000.00 1 6.000 1,348.99 72 5.750 1,348.99 BEND OR 97702 5 03/03/03 00 0415922830 05 05/01/03 0 0415922830 O 04/01/33 0 8512179 E22/G02 F 192,000.00 ZZ 360 192,000.00 1 6.125 1,166.61 80 5.875 1,166.61 LITTLETON CO 80120 5 03/05/03 00 0415942473 05 05/01/03 0 0415942473 O 04/01/33 0 8512183 E22/G02 F 315,000.00 ZZ 360 315,000.00 1 1 6.250 1,939.51 65 6.000 1,939.51 SACRAMENTO CA 95816 2 03/04/03 00 0415948165 05 05/01/03 0 0415948165 O 04/01/33 0 8512193 E22/G02 F 256,000.00 ZZ 360 256,000.00 1 6.000 1,534.85 73 5.750 1,534.85 CASTRO VALLEY CA 94546 2 03/02/03 00 0416088003 05 05/01/03 0 0416088003 O 04/01/33 0 8512195 E22/G02 F 160,000.00 ZZ 360 160,000.00 1 6.125 972.18 80 5.875 972.18 HOUSTON TX 77096 5 03/04/03 00 0416089639 05 05/01/03 0 0416089639 O 04/01/33 0 8512221 E22/G02 F 148,000.00 ZZ 360 148,000.00 1 6.250 911.26 80 6.000 911.26 KATY TX 77450 5 03/05/03 00 0416125276 03 05/01/03 0 0416125276 O 04/01/33 0 8512255 E22/G02 F 399,999.00 ZZ 360 399,999.00 1 6.375 2,495.47 76 6.125 2,495.47 FORT COLLINS CO 80525 5 03/05/03 00 0416273944 03 05/01/03 0 0416273944 O 04/01/33 0 8512267 E22/G02 F 322,000.00 ZZ 360 322,000.00 1 6.250 1,982.61 72 6.000 1,982.61 SAN FRANCISCO CA 94112 1 03/06/03 00 0416295137 05 05/01/03 0 1 0416295137 N 04/01/33 0 8512271 E22/G02 F 206,400.00 ZZ 360 206,400.00 1 5.875 1,220.93 80 5.625 1,220.93 CITRUS HEIGHTS CA 95610 5 02/26/03 00 0416296689 05 05/01/03 0 0416296689 O 04/01/33 0 8512281 E22/G02 F 39,500.00 ZZ 360 39,500.00 1 7.500 276.19 90 7.250 276.19 LAWTON OK 73505 2 03/05/03 01 0415950005 05 05/01/03 25 0415950005 O 04/01/33 0 8512291 E22/G02 F 115,000.00 ZZ 360 115,000.00 1 5.875 680.27 55 5.625 680.27 JEFFERSON CITY TN 37760 2 03/05/03 00 0415987239 05 05/01/03 0 0415987239 O 04/01/33 0 8512325 E22/G02 F 56,000.00 ZZ 360 56,000.00 1 5.875 331.26 67 5.625 331.26 FLORENCE CO 81226 5 03/05/03 00 0416157964 05 05/01/03 0 0416157964 O 04/01/33 0 8512335 E22/G02 F 86,000.00 ZZ 360 86,000.00 2 6.625 550.67 69 6.375 550.67 GRAND JUNCTION CO 81504 2 03/10/03 00 0416169761 05 05/01/03 0 0416169761 N 04/01/33 0 1 8512339 E22/G02 F 116,600.00 ZZ 360 116,600.00 1 6.500 736.99 84 6.250 736.99 SANTO TX 76472 2 03/04/03 04 0416173235 05 05/01/03 12 0416173235 O 04/01/33 0 8512381 E22/G02 F 104,000.00 ZZ 360 104,000.00 1 6.250 640.35 80 6.000 640.35 OKLAHOMA CITY OK 73162 5 03/05/03 00 0416187201 05 05/01/03 0 0416187201 O 04/01/33 0 8514833 253/253 F 76,000.00 ZZ 360 75,931.30 1 6.500 480.37 93 6.250 480.37 EUCLID OH 44119 2 02/20/03 10 458337 05 04/01/03 25 458337 O 03/01/33 0 8515377 Y23/G02 F 99,200.00 ZZ 360 99,200.00 1 6.500 627.02 80 6.250 627.02 WEATHERFORD TX 76088 5 03/05/03 00 0435562863 05 05/01/03 0 1000064988 O 04/01/33 0 8515523 944/G02 F 312,000.00 ZZ 360 311,681.90 1 5.875 1,845.60 80 5.625 1,845.60 SEATTLE WA 98177 2 02/27/03 00 0435534003 05 04/01/03 0 W02035080 O 03/01/33 0 8515561 P67/G02 F 185,000.00 ZZ 360 185,000.00 2 6.250 1,139.09 76 6.000 1,139.09 1 STERLING MA 01564 5 03/07/03 00 0435501861 05 05/01/03 0 682774 O 04/01/33 0 8516617 X64/G02 F 155,000.00 ZZ 360 155,000.00 1 6.125 941.80 80 5.875 941.80 DEARBORN MI 48126 2 02/28/03 00 0435487194 05 05/01/03 0 0000004332 O 04/01/33 0 8516747 A35/G02 F 160,000.00 ZZ 360 160,000.00 1 6.000 959.28 33 5.750 959.28 HAMPTON BAYS NY 11946 5 03/05/03 00 0435501341 05 05/01/03 0 1 O 04/01/33 0 8516925 758/G02 F 240,000.00 ZZ 360 239,772.28 1 6.250 1,477.72 75 6.000 1,477.72 AUSTIN TX 78705 1 02/24/03 00 0435538848 01 04/01/03 0 502862 N 03/01/33 0 8517147 G34/G02 F 120,050.00 ZZ 360 119,927.60 1 5.875 710.14 80 5.625 710.14 LAS VEGAS NV 89131 1 02/20/03 00 0435502505 03 04/01/03 0 77308017 O 03/01/33 0 8517357 601/G02 F 196,000.00 ZZ 360 195,804.88 1 6.000 1,175.12 33 5.750 1,175.12 VERO BEACH FL 32963 2 02/14/03 00 0435483979 03 04/01/03 0 62497755 O 03/01/33 0 1 8517465 X67/G02 F 218,320.00 ZZ 360 218,127.38 1 6.625 1,397.93 80 6.375 1,397.93 CHANNAHON IL 60410 5 02/21/03 00 0435506720 05 04/01/03 0 00283431 O 03/01/33 0 8517783 601/G02 F 252,000.00 ZZ 360 251,755.07 1 6.125 1,531.18 77 5.875 1,531.18 INDIAN HARBOR B FL 32937 5 02/14/03 00 0435484860 03 04/01/03 0 626511787 O 03/01/33 0 8517949 601/G02 F 135,000.00 ZZ 360 134,871.90 1 6.250 831.22 79 6.000 831.22 DENVER CO 80216 2 02/24/03 00 0435484787 07 04/01/03 0 62517339 N 03/01/33 0 8518311 N67/G02 F 133,000.00 ZZ 360 132,811.65 1 7.750 952.83 70 7.500 952.83 ZIONSVILLE PA 18092 5 01/21/03 00 0435509146 05 03/01/03 0 3265003799 O 02/01/33 0 8518479 N67/G02 F 104,500.00 ZZ 360 104,410.02 1 6.750 677.79 80 6.500 677.79 NORTH OGDEN UT 84414 2 02/03/03 00 0435510532 05 04/01/03 0 1162001625 O 03/01/33 0 8518747 N67/G02 F 99,900.00 ZZ 360 99,747.51 1 1 7.375 689.98 80 7.125 689.98 GULFPORT FL 33707 1 02/03/03 00 0435511886 05 03/01/03 0 3254004531 O 02/01/33 0 8519537 Q30/G02 F 140,200.00 ZZ 360 140,085.07 3 7.000 932.76 80 6.750 932.76 HARTFORD CT 06106 5 02/28/03 00 0435533872 05 04/01/03 0 21020126 O 03/01/33 0 8519549 U42/G02 F 76,500.00 ZZ 360 76,500.00 1 6.625 489.84 90 6.375 489.84 SAN ANTONIO TX 78228 1 03/07/03 12 0435559687 05 05/01/03 25 49300087 O 04/01/33 0 8519555 588/G02 F 256,000.00 ZZ 360 256,000.00 1 6.375 1,597.11 86 6.125 1,597.11 MIDDLETOWN TOWN NJ 07748 1 03/07/03 01 0435562681 05 05/01/03 25 1085502 O 04/01/33 0 8519583 U36/G02 F 380,000.00 ZZ 360 379,639.44 1 6.250 2,339.73 80 6.000 2,339.73 BOYDS MD 20841 1 02/26/03 00 0435503701 03 04/01/03 0 107702003 O 03/01/33 0 8519763 601/G02 F 133,500.00 ZZ 360 133,285.84 1 7.125 899.42 75 6.875 899.42 PUEBLO WEST CO 81007 2 01/24/03 00 0435487442 05 03/01/03 0 1 623338668 N 02/01/33 0 8519857 N74/G02 F 120,000.00 ZZ 360 120,000.00 1 6.000 719.46 67 5.750 719.46 CONCORD NC 28025 5 03/07/03 00 0435557699 05 05/01/03 0 0031935010 O 04/01/33 0 8519923 601/G02 F 209,600.00 ZZ 360 209,246.79 3 6.875 1,376.93 80 6.625 1,376.93 BRIDGEPORT CT 06605 1 01/09/03 00 0435487566 05 03/01/03 0 62342340 N 02/01/33 0 8520103 E22/G02 F 76,000.00 ZZ 360 75,936.15 1 6.875 499.27 76 6.625 499.27 FORT WORTH TX 76108 5 02/28/03 00 0415606821 05 04/01/03 0 0415606821 O 03/01/33 0 8520111 E22/G02 F 72,000.00 ZZ 360 72,000.00 1 6.000 431.68 21 5.750 431.68 GARBERVILLE CA 95542 2 02/25/03 00 0415851690 05 05/01/03 0 0415851690 O 04/01/33 0 8520137 E22/G02 F 240,000.00 ZZ 360 240,000.00 1 6.375 1,497.29 62 6.125 1,497.29 SAN ANTONIO TX 78231 5 03/04/03 00 0415932672 05 05/01/03 0 0415932672 O 04/01/33 0 1 8520163 E22/G02 F 153,000.00 ZZ 360 153,000.00 3 7.625 1,082.92 90 7.375 1,082.92 NEWARK NJ 07103 1 03/11/03 01 0416009488 05 05/01/03 25 0416009488 N 04/01/33 0 8520167 E22/G02 F 160,000.00 ZZ 360 160,000.00 1 6.000 959.28 66 5.750 959.28 DENVER CO 80241 5 03/06/03 00 0416015246 03 05/01/03 0 0416015246 O 04/01/33 0 8520175 E22/G02 F 205,600.00 ZZ 360 205,600.00 1 6.250 1,265.91 80 6.000 1,265.91 WRIGHTSVILLE BE NC 28480 1 03/11/03 00 0416036572 05 05/01/03 0 0416036572 N 04/01/33 0 8520179 E22/G02 F 56,000.00 ZZ 360 56,000.00 1 6.500 353.96 80 6.250 353.96 HAINES CITY FL 33844 5 03/06/03 00 0416039451 05 05/01/03 0 0416039451 O 04/01/33 0 8520245 E22/G02 F 206,400.00 ZZ 360 206,400.00 1 6.125 1,254.11 80 5.875 1,254.11 DUARTE CA 91010 5 03/04/03 00 0416113603 09 05/01/03 0 0416113603 O 04/01/33 0 8520253 E22/G02 F 98,300.00 ZZ 360 98,300.00 1 6.500 621.32 80 6.250 621.32 1 MISSOURI CITY TX 77489 5 03/05/03 00 0416115632 03 05/01/03 0 0416115632 O 04/01/33 0 8520297 E22/G02 F 204,000.00 ZZ 360 204,000.00 2 6.625 1,306.23 75 6.375 1,306.23 PORT CHESTER NY 10573 1 03/11/03 00 0416166676 05 05/01/03 0 0416166676 N 04/01/33 0 8520309 E22/G02 F 67,500.00 ZZ 360 67,500.00 1 6.375 421.11 90 6.125 421.11 MUNGER MI 48747 5 03/06/03 11 0416170827 05 05/01/03 25 0416170827 O 04/01/33 0 8520417 E82/G02 F 75,900.00 ZZ 360 75,900.00 1 6.000 455.06 51 5.750 455.06 LAS VEGAS NV 89147 2 03/06/03 00 0400799060 03 05/01/03 0 0400799060 O 04/01/33 0 8520435 E82/G02 F 185,000.00 ZZ 360 185,000.00 1 6.625 1,184.58 60 6.375 1,184.58 HAYWARD CA 94544 2 03/10/03 00 0400780417 05 05/01/03 0 0400780417 N 04/01/33 0 8520489 E82/G02 F 155,200.00 ZZ 360 155,200.00 1 6.500 980.97 61 6.250 980.97 EL PASO TX 79902 2 03/04/03 00 0400790077 05 05/01/03 0 0400790077 O 04/01/33 0 1 8520493 E22/G02 F 154,400.00 ZZ 360 154,400.00 1 6.625 988.64 80 6.375 988.64 MILFORD MI 48381 1 03/11/03 00 0416246957 05 05/01/03 0 0416246957 O 04/01/33 0 8520507 E82/G02 F 141,300.00 ZZ 360 141,300.00 2 7.125 951.96 48 6.875 951.96 TAHOE CITY CA 96145 2 03/07/03 00 0400757282 05 05/01/03 0 0400757282 N 04/01/33 0 8520531 E22/G02 F 212,000.00 ZZ 360 212,000.00 1 6.250 1,305.32 80 6.000 1,305.32 ARLINGTON TX 76006 5 03/06/03 00 0416263127 03 05/01/03 0 0416263127 O 04/01/33 0 8520599 E22/G02 F 280,000.00 ZZ 360 280,000.00 1 6.125 1,701.31 80 5.875 1,701.31 LIVERMORE CA 94550 1 03/06/03 00 0416296218 05 05/01/03 0 0416296218 O 04/01/33 0 8520603 E22/G02 F 132,000.00 ZZ 360 132,000.00 1 6.125 802.05 80 5.875 802.05 SUMNER WA 98390 5 03/03/03 00 0416296341 05 05/01/03 0 0416296341 O 04/01/33 0 8520655 E22/G02 F 285,000.00 ZZ 360 285,000.00 1 1 6.250 1,754.79 57 6.000 1,754.79 ELK GROVE CA 95758 2 03/03/03 00 0416334803 03 05/01/03 0 0416334803 O 04/01/33 0 8520675 E22/G02 F 195,500.00 ZZ 360 195,500.00 1 6.125 1,187.88 72 5.875 1,187.88 VALLEJO CA 94589 5 03/03/03 00 0416369155 05 05/01/03 0 0416369155 O 04/01/33 0 8521151 A52/G02 F 216,000.00 ZZ 360 216,000.00 4 6.875 1,418.97 90 6.625 1,418.97 RINCON GA 31326 1 03/10/03 11 0435558556 05 05/01/03 25 23737 N 04/01/33 0 8521159 U09/G02 F 135,000.00 ZZ 360 134,892.04 1 7.125 909.52 68 6.875 909.52 JACKSON MI 49201 5 02/26/03 00 0435555511 05 04/01/03 0 2300174 O 03/01/33 0 8521195 A35/G02 F 520,000.00 ZZ 360 520,000.00 1 6.125 3,159.57 56 5.875 3,159.57 BLUE POINT NY 11715 1 03/04/03 00 0435540828 05 05/01/03 0 LG14086 O 04/01/33 0 8521263 U05/G02 F 153,000.00 ZZ 360 152,851.30 2 6.125 929.64 90 5.875 929.64 ROUND ROCK TX 78681 2 02/28/03 10 0435569298 05 04/01/03 25 1 3305397 O 03/01/33 0 8521615 601/G02 F 220,000.00 ZZ 360 219,591.38 1 6.375 1,372.52 71 6.125 1,372.52 WEST PALM BEACH FL 33418 5 01/16/03 00 0435489471 03 03/01/03 0 6235013 O 02/01/33 0 8521623 601/G02 F 202,500.00 ZZ 300 202,213.36 1 6.125 1,320.23 80 5.875 1,320.23 HAMILTON OH 45013 5 02/19/03 00 0435483904 05 04/01/03 0 6252659 O 03/01/28 0 8521693 S43/G02 F 116,800.00 ZZ 360 116,800.00 1 5.875 690.92 74 5.625 690.92 ALBUQUERQUE NM 87109 5 03/05/03 00 0435507199 05 05/01/03 0 030087 O 04/01/33 0 8521707 Q87/G02 F 111,000.00 TX 360 111,000.00 1 6.125 674.45 72 5.875 674.45 KILLEEN TX 76542 5 02/28/03 00 0435543012 05 05/01/03 0 GUDA01 O 04/01/33 0 8521733 883/G02 F 103,800.00 ZZ 360 103,696.67 1 6.000 622.33 75 5.750 622.33 WINTER PARK FL 32792 5 02/28/03 00 0435534094 05 04/01/03 0 05020708 O 03/01/33 0 1 8522021 964/G02 F 150,000.00 ZZ 360 149,847.06 1 5.875 887.31 47 5.625 887.31 ANTELOPE CA 95843 2 02/18/03 00 0435495528 05 04/01/03 0 339034 O 03/01/33 0 8522045 964/G02 F 153,350.00 ZZ 360 153,189.89 1 5.750 894.91 74 5.500 894.91 FLOWER MOUND TX 75028 2 02/20/03 00 0435498415 05 04/01/03 0 350840 O 03/01/33 0 8522305 E22/G02 F 72,000.00 ZZ 360 72,000.00 1 5.875 425.91 63 5.625 425.91 GARLAND TX 75044 2 03/07/03 00 0415826247 05 05/01/03 0 0415826247 O 04/01/33 0 8522311 E22/G02 F 115,000.00 ZZ 360 115,000.00 4 6.750 745.89 75 6.500 745.89 HOUSTON TX 77070 2 03/07/03 00 0415907930 05 05/01/03 0 0415907930 N 04/01/33 0 8522315 E22/G02 F 368,000.00 ZZ 360 368,000.00 1 6.125 2,236.01 80 5.875 2,236.01 CANBY OR 97013 5 03/06/03 00 0415928415 05 05/01/03 0 0415928415 O 04/01/33 0 8522327 E22/G02 F 56,000.00 ZZ 360 56,000.00 1 6.250 344.80 80 6.000 344.80 1 YERINGTON NV 89447 5 03/03/03 00 0415960517 05 05/01/03 0 0415960517 O 04/01/33 0 8522339 E22/G02 F 121,500.00 ZZ 360 121,500.00 2 6.125 738.25 90 5.875 738.25 FRESNO CA 93726 1 03/06/03 04 0416014900 05 05/01/03 25 0416014900 N 04/01/33 0 8522341 E22/G02 F 61,600.00 ZZ 360 61,600.00 1 6.500 389.35 80 6.250 389.35 HALTOM CITY TX 76117 5 03/07/03 00 0416027514 05 05/01/03 0 0416027514 O 04/01/33 0 8522349 E22/G02 F 92,430.00 ZZ 360 92,430.00 1 5.875 546.76 90 5.625 546.76 KISSIMMEE FL 34758 1 03/12/03 04 0416057438 03 05/01/03 25 0416057438 O 04/01/33 0 8522351 E22/G02 F 57,000.00 ZZ 360 57,000.00 1 6.500 360.28 80 6.250 360.28 ROCKAWAY BEACH MO 65740 2 03/07/03 00 0416064467 01 05/01/03 0 0416064467 O 04/01/33 0 8522353 E22/G02 F 239,000.00 ZZ 360 239,000.00 1 5.875 1,413.78 55 5.625 1,413.78 DALLAS TX 75214 2 03/07/03 00 0416065308 05 05/01/03 0 0416065308 O 04/01/33 0 1 8522427 E22/G02 F 81,750.00 ZZ 360 81,750.00 1 6.500 516.72 75 6.250 516.72 DALLAS TX 75254 5 03/12/03 00 0416137834 09 05/01/03 0 0416137834 N 04/01/33 0 8522469 E22/G02 F 228,000.00 ZZ 360 228,000.00 1 6.250 1,403.84 80 6.000 1,403.84 MC KINNEY TX 75070 1 03/12/03 00 0416201549 03 05/01/03 0 0416201549 O 04/01/33 0 8522499 E22/G02 F 155,400.00 ZZ 360 155,400.00 3 7.750 1,113.30 70 7.500 1,113.30 COLORADO SPRING CO 80903 2 03/12/03 00 0416219038 05 05/01/03 0 0416219038 N 04/01/33 0 8522501 E22/G02 F 225,000.00 ZZ 360 225,000.00 3 7.625 1,592.54 90 7.375 1,592.54 CINCINNATI OH 45206 1 03/12/03 04 0416219855 05 05/01/03 25 0416219855 N 04/01/33 0 8522517 E22/G02 F 105,000.00 ZZ 360 105,000.00 1 6.250 646.50 78 6.000 646.50 BEND OR 97707 2 02/26/03 00 0416232676 05 05/01/03 0 0416232676 N 04/01/33 0 8522519 E22/G02 F 280,000.00 ZZ 360 280,000.00 1 1 5.875 1,656.31 80 5.625 1,656.31 MARBLE FALLS TX 78654 5 03/07/03 00 0416233021 05 05/01/03 0 0416233021 O 04/01/33 0 8522535 E22/G02 F 81,738.00 ZZ 360 81,738.00 1 6.500 516.64 90 6.250 516.64 GRAND PRAIRIE TX 75050 1 03/12/03 01 0416248292 07 05/01/03 25 0416248292 N 04/01/33 0 8522541 E22/G02 F 133,500.00 ZZ 360 133,500.00 1 6.125 811.16 83 5.875 811.16 COLORADO SPRING CO 80918 2 03/07/03 01 0416251221 05 05/01/03 12 0416251221 O 04/01/33 0 8522555 E22/G02 F 149,600.00 ZZ 360 149,600.00 1 6.625 957.91 80 6.375 957.91 BOYNTON BEACH FL 33437 1 03/12/03 00 0416263275 03 05/01/03 0 0416263275 O 04/01/33 0 8522571 E22/G02 F 280,000.00 ZZ 360 280,000.00 1 6.125 1,701.31 79 5.875 1,701.31 TRACY CA 95376 2 03/06/03 00 0416278059 05 05/01/03 0 0416278059 O 04/01/33 0 8522577 E22/G02 F 76,000.00 ZZ 360 76,000.00 1 6.125 461.78 80 5.875 461.78 JACKSON MS 39204 5 03/07/03 00 0416283513 05 05/01/03 0 1 0416283513 O 04/01/33 0 8522581 E22/G02 F 99,000.00 T 360 99,000.00 1 6.375 617.63 80 6.125 617.63 PORT SAINT LUCI FL 34986 1 03/12/03 00 0416285195 03 05/01/03 0 0416285195 O 04/01/33 0 8522589 E22/G02 F 396,000.00 ZZ 360 396,000.00 1 6.000 2,374.22 65 5.750 2,374.22 SAN FRANCISCO CA 94122 2 03/05/03 00 0416297729 07 05/01/03 0 0416297729 N 04/01/33 0 8522595 E22/G02 F 108,000.00 ZZ 360 108,000.00 1 6.125 656.22 80 5.875 656.22 COLORADO SPRING CO 80909 1 03/12/03 00 0416302602 05 05/01/03 0 0416302602 N 04/01/33 0 8522599 E22/G02 F 99,900.00 ZZ 360 99,900.00 1 6.750 647.95 80 6.500 647.95 GRAND JUNCTION CO 81504 1 03/10/03 00 0416306298 09 05/01/03 0 0416306298 N 04/01/33 0 8522605 E22/G02 F 625,000.00 ZZ 360 625,000.00 1 6.125 3,797.57 49 5.875 3,797.57 LOS ALTOS CA 94024 5 03/03/03 00 0416315935 05 05/01/03 0 0416315935 O 04/01/33 0 1 8522609 E22/G02 F 305,000.00 ZZ 360 305,000.00 1 6.250 1,877.94 72 6.000 1,877.94 PARAMUS NJ 07652 5 03/07/03 00 0416318145 05 05/01/03 0 0416318145 O 04/01/33 0 8522623 E22/G02 F 452,300.00 ZZ 360 452,300.00 1 6.000 2,711.77 77 5.750 2,711.77 SAN FRANCISCO CA 94122 2 03/05/03 00 0416333318 05 05/01/03 0 0416333318 O 04/01/33 0 8522625 E22/G02 F 142,500.00 ZZ 360 142,500.00 1 6.125 865.85 72 5.875 865.85 MINNEAPOLIS MN 55410 5 03/07/03 00 0416334852 05 05/01/03 0 0416334852 O 04/01/33 0 8522635 E22/G02 F 212,000.00 ZZ 360 212,000.00 1 6.500 1,339.98 80 6.250 1,339.98 GRAHAM WA 98338 2 03/06/03 00 0416357614 05 05/01/03 0 0416357614 O 04/01/33 0 8522645 E22/G02 F 399,950.00 ZZ 360 399,950.00 1 6.000 2,397.90 69 5.750 2,397.90 SAN JOSE CA 95118 2 03/04/03 00 0416381309 05 05/01/03 0 0416381309 O 04/01/33 0 8522665 E22/G02 F 128,250.00 ZZ 360 128,250.00 1 6.375 800.11 75 6.125 800.11 1 SALT LAKE CITY UT 84108 1 03/07/03 00 0416422392 05 05/01/03 0 0416422392 N 04/01/33 0 8522729 E82/G02 F 169,400.00 ZZ 360 169,400.00 1 6.625 1,084.69 72 6.375 1,084.69 YAKIMA WA 98908 5 03/10/03 00 0400788212 05 05/01/03 0 0400788212 O 04/01/33 0 8522765 E82/G02 F 289,000.00 ZZ 360 289,000.00 1 6.500 1,826.68 53 6.250 1,826.68 JEKYLL ISLAND GA 31527 2 03/12/03 00 0400777090 05 05/01/03 0 0400777090 N 04/01/33 0 8522901 601/G02 F 135,000.00 ZZ 360 134,871.90 1 6.250 831.22 79 6.000 831.22 DENVER CO 80216 2 02/24/03 00 0435489794 07 04/01/03 0 6251704 N 03/01/33 0 8523157 964/G02 F 217,400.00 ZZ 360 217,178.35 1 5.875 1,286.00 56 5.625 1,286.00 LOS OSOS CA 93402 2 02/06/03 00 0435499967 05 04/01/03 0 339297 O 03/01/33 0 8523161 964/G02 F 322,000.00 ZZ 360 321,671.71 1 5.875 1,904.75 57 5.625 1,904.75 MILPITAS CA 95035 2 02/10/03 00 0435495759 03 04/01/03 0 343576 O 03/01/33 0 1 8523231 964/G02 F 147,000.00 ZZ 360 146,860.52 1 6.250 905.10 70 6.000 905.10 ANTELOPE CA 95843 1 02/11/03 00 0435490388 05 04/01/03 0 335516 O 03/01/33 0 8523249 964/G02 F 214,400.00 ZZ 360 214,196.57 1 6.250 1,320.10 80 6.000 1,320.10 ROSEVILLE CA 95678 5 02/11/03 00 0435496575 05 04/01/03 0 336510 O 03/01/33 0 8523299 964/G02 F 158,200.00 ZZ 360 158,030.87 1 5.625 910.69 37 5.375 910.69 RENO NV 89509 2 02/06/03 00 0435495510 09 04/01/03 0 312607 O 03/01/33 0 8523309 964/G02 F 206,000.00 ZZ 360 205,813.77 1 6.500 1,302.06 76 6.250 1,302.06 GROVER BEACH CA 93433 2 01/31/03 00 0435495338 05 04/01/03 0 304707 O 03/01/33 0 8523479 G27/G02 F 205,750.00 ZZ 360 205,750.00 2 6.500 1,300.48 75 6.250 1,300.48 LOS ANGELES CA 90004 2 03/03/03 00 0435492152 05 05/01/03 0 20003022 O 04/01/33 0 8523561 Q57/G02 F 500,000.00 ZZ 360 500,000.00 4 1 6.500 3,160.34 70 6.250 3,160.34 REDONDO BEACH CA 90278 5 03/05/03 00 0435491519 05 05/01/03 0 10004677 O 04/01/33 0 8523617 Q57/G02 F 375,000.00 ZZ 360 374,644.18 1 6.250 2,308.94 80 6.000 2,308.94 LOS ANGELES CA 90064 5 02/22/03 00 0435491550 05 04/01/03 0 11100689 O 03/01/33 0 8523667 N47/G02 F 260,000.00 ZZ 360 259,759.19 1 6.375 1,622.06 80 6.125 1,622.06 CHULA VISTA CA 91911 5 02/25/03 00 0435515770 05 04/01/03 0 30502939 O 03/01/33 0 8523695 X13/G02 F 56,250.00 ZZ 360 56,250.00 1 7.500 393.31 71 7.250 393.31 HOQUIAM WA 98550 5 02/28/03 00 0435496393 05 05/01/03 0 0681404 N 04/01/33 0 8523751 964/G02 F 314,000.00 ZZ 360 313,694.81 1 6.125 1,907.90 66 5.875 1,907.90 SOUTH SAN FRANC CA 94080 2 02/11/03 00 0435500889 05 04/01/03 0 346965 O 03/01/33 0 8523795 964/G02 F 132,000.00 ZZ 360 131,880.67 1 6.500 834.33 80 6.250 834.33 VICTORVILLE CA 92392 5 02/12/03 00 0435500863 05 04/01/03 0 1 337558 O 03/01/33 0 8523899 Q57/G02 F 319,500.00 ZZ 360 319,500.00 1 5.750 1,864.52 90 5.500 1,864.52 LA MIRADA CA 90638 5 02/28/03 10 0435497649 05 05/01/03 25 20000029 O 04/01/33 0 8523931 N47/G02 F 368,000.00 ZZ 360 368,000.00 1 6.125 2,236.01 79 5.875 2,236.01 BURBANK CA 91504 2 03/05/03 00 0435494752 05 05/01/03 0 30502153 O 04/01/33 0 8523937 U87/G02 F 94,000.00 ZZ 360 94,000.00 1 6.000 563.58 31 5.750 563.58 ANAHEIM CA 92804 2 03/11/03 00 0435542394 05 05/01/03 0 0987 O 04/01/33 0 8523961 U87/G02 F 204,000.00 ZZ 360 204,000.00 1 5.875 1,206.74 80 5.625 1,206.74 STUDIO CITY CA 91602 2 03/04/03 00 0435542964 01 05/01/03 0 1495 O 04/01/33 0 8524043 E76/G02 F 66,600.00 ZZ 360 66,600.00 2 7.375 459.99 90 7.125 459.99 NEW ORLEANS LA 70117 2 03/07/03 04 0435559398 05 05/01/03 25 10021468 N 04/01/33 0 1 8524093 S43/G02 F 120,000.00 ZZ 360 120,000.00 1 5.875 709.85 67 5.625 709.85 FT COLLINS CO 80521 5 03/05/03 00 0435491329 05 05/01/03 0 030111 O 04/01/33 0 8524157 G51/G02 F 316,000.00 ZZ 360 316,000.00 1 6.250 1,945.67 80 6.000 1,945.67 SANTA FE NM 87508 5 03/06/03 00 0435495098 05 05/01/03 0 29000107 O 04/01/33 0 8524187 Q57/G02 F 92,000.00 ZZ 360 91,916.83 1 6.500 581.50 80 6.250 581.50 DEERFIELD BEACH FL 33441 1 02/24/03 00 0435497342 05 04/01/03 0 11000655 O 03/01/33 0 8524225 601/G02 F 177,500.00 ZZ 360 176,840.96 1 6.250 1,092.90 74 6.000 1,092.90 CHERRY HILL NJ 08003 2 01/30/03 00 0435491345 05 04/01/03 0 00133596 O 03/01/33 0 8524273 N67/G02 F 317,650.00 ZZ 360 317,408.29 1 7.375 2,193.93 95 7.125 2,193.93 GARDEN RIDGE TX 78266 1 02/28/03 01 0435514823 03 04/01/03 35 1161003890 O 03/01/33 0 8524333 N67/G02 F 67,750.00 ZZ 360 67,690.23 1 6.625 433.81 67 6.375 433.81 1 LAS VEGAS NV 89108 2 02/21/03 00 0435515093 05 04/01/03 0 1162001204 N 03/01/33 0 8524337 N67/G02 F 142,200.00 ZZ 360 142,091.80 1 7.375 982.14 79 7.125 982.14 CARSON CITY NV 89701 1 02/19/03 00 0435515119 03 04/01/03 0 1162001287 O 03/01/33 0 8524377 601/G02 F 133,500.00 ZZ 360 133,382.21 1 6.625 854.82 75 6.375 854.82 PUEBLO CO 81007 2 02/04/03 00 0435490552 05 04/01/03 0 6244338 N 03/01/33 0 8524405 U85/G02 F 102,588.00 ZZ 360 102,495.26 1 6.500 648.43 79 6.250 648.43 MILWAUKEE WI 53207 1 02/27/03 00 0435542600 05 04/01/03 0 1001 O 03/01/33 0 8524421 420/G02 F 100,000.00 ZZ 360 99,898.04 1 5.875 591.54 36 5.625 591.54 COTATI CA 94931 5 02/24/03 00 0435527627 09 04/01/03 0 73000149 O 03/01/33 0 8524431 601/G02 F 133,600.00 ZZ 360 133,482.12 1 6.625 855.46 80 6.375 855.46 PUEBLO CO 81007 2 02/04/03 00 0435490362 05 04/01/03 0 62443676 N 03/01/33 0 1 8524461 601/G02 F 136,000.00 ZZ 360 135,753.43 1 6.500 859.62 76 6.250 859.62 PUEBLO CO 81007 2 01/31/03 00 0435490008 05 03/01/03 0 62443767 N 02/01/33 0 8524467 X64/G02 F 224,000.00 ZZ 360 224,000.00 1 5.875 1,325.04 78 5.625 1,325.04 WEST BLOOMFIELD MI 48323 2 03/06/03 00 0435555529 05 05/01/03 0 0000005445 O 04/01/33 0 8524533 H49/G02 F 76,800.00 ZZ 360 76,800.00 1 7.000 510.95 80 6.750 510.95 CHICAGO IL 60616 1 03/06/03 00 0435513544 06 05/01/03 0 368831 N 04/01/33 0 8524679 601/G02 F 236,500.00 ZZ 360 236,264.56 1 6.000 1,417.94 79 5.750 1,417.94 HEATH TX 75032 2 02/07/03 00 0435497169 05 04/01/03 0 62455274 O 03/01/33 0 8524767 588/G02 F 322,000.00 ZZ 360 321,701.77 1 6.375 2,008.86 77 6.125 2,008.86 BETHESDA MD 20814 1 02/10/03 00 0435534268 05 04/01/03 0 1086560 O 03/01/33 0 8524877 G34/G02 F 76,800.00 TX 360 76,728.87 1 1 6.375 479.13 80 6.125 479.13 THE COLONY TX 75056 5 03/03/03 00 0435571773 05 04/01/03 0 85214067 O 03/01/33 0 8524889 N67/G02 F 63,000.00 ZZ 360 62,947.07 1 6.875 413.87 66 6.625 413.87 ATLANTA GA 30318 5 02/26/03 00 0435518907 05 04/01/03 0 3252004292 N 03/01/33 0 8524925 S27/G02 F 141,550.00 ZZ 360 141,418.89 1 6.375 883.09 95 6.125 883.09 ABERDEEN MD 21001 1 02/25/03 27 0435533450 05 04/01/03 30 1130011859 O 03/01/33 0 8525077 758/G02 F 40,000.00 ZZ 360 39,961.13 1 6.125 243.04 69 5.875 243.04 MAGNOLIA TX 77355 1 02/28/03 00 0435543731 05 04/01/03 0 330773 N 03/01/33 0 8525245 642/G02 F 72,000.00 ZZ 360 72,000.00 2 6.375 449.19 80 6.125 449.19 LANSING MI 48912 5 03/07/03 00 0435508791 05 05/01/03 0 01137203 O 04/01/33 0 8525307 N67/G02 F 98,400.00 ZZ 360 98,321.31 1 7.125 662.94 80 6.875 662.94 TAMPA FL 33634 1 02/28/03 00 0435517560 05 04/01/03 0 1 3254005081 N 03/01/33 0 8525313 601/G02 F 244,000.00 ZZ 360 243,598.82 1 7.000 1,623.34 80 6.750 1,623.34 MANCHESTER NH 03103 2 01/24/03 00 0435492046 05 03/01/03 0 6236526 O 02/01/33 0 8525367 S11/G02 F 240,000.00 ZZ 360 240,000.00 1 6.250 1,477.72 75 6.000 1,477.72 SANTA ANA CA 92707 5 03/06/03 00 0435553367 05 05/01/03 0 10211166 O 04/01/33 0 8525389 601/G02 F 109,600.00 ZZ 360 109,500.92 1 6.500 692.75 80 6.250 692.75 ALEXANDRIA VA 22304 1 02/06/03 00 0435491592 06 04/01/03 0 6245570 O 03/01/33 0 8525463 601/G02 F 194,400.00 ZZ 360 194,211.05 1 6.125 1,181.20 80 5.875 1,181.20 BATON ROUGE LA 70809 5 02/05/03 00 0435502760 05 04/01/03 0 62479860 O 03/01/33 0 8525485 601/G02 F 192,000.00 ZZ 360 191,425.30 1 6.125 1,166.62 80 5.875 1,166.62 DENVER CO 80237 5 02/04/03 00 0435496484 05 03/01/03 0 6246965 O 02/01/33 0 1 8525527 601/G02 F 114,750.00 ZZ 360 114,643.71 1 6.375 715.90 90 6.125 715.90 WHEATON IL 60187 1 02/13/03 10 0435496005 01 04/01/03 25 6246919 N 03/01/33 0 8525609 742/G02 F 154,000.00 T 360 154,000.00 1 6.125 935.72 56 5.875 935.72 NORTH WILDWOOD NJ 08260 2 03/07/03 00 0435491287 07 05/01/03 0 6526065 O 04/01/33 0 8525955 601/G02 F 185,000.00 ZZ 360 184,590.76 1 6.250 1,139.08 38 6.000 1,139.08 BOULDER CO 80303 5 02/04/03 00 0435496856 03 03/01/03 0 62475181 O 02/01/33 0 8526005 N67/G02 F 76,000.00 ZZ 360 75,934.57 1 6.750 492.93 72 6.500 492.93 TORRINGTON CT 06790 1 03/04/03 00 0435522404 01 04/01/03 0 3274007888 O 03/01/33 0 8526043 M29/G02 F 186,000.00 ZZ 360 186,000.00 1 6.250 1,145.23 75 6.000 1,145.23 ARVADA CO 80004 5 02/26/03 00 0435571211 05 05/01/03 0 0211160PM O 04/01/33 0 8526131 601/G02 F 211,059.00 ZZ 360 210,858.74 1 6.250 1,299.53 68 6.000 1,299.53 1 NAPLES FL 34108 5 02/13/03 00 0435498605 05 04/01/03 0 62455779 O 03/01/33 0 8526377 E82/G02 F 87,500.00 ZZ 360 87,500.00 1 6.500 553.06 56 6.250 553.06 FEDERAL WAY WA 98023 2 03/11/03 00 0400788170 01 05/01/03 0 0400788170 O 04/01/33 0 8526389 E82/G02 F 71,700.00 ZZ 360 71,700.00 1 6.250 441.47 52 6.000 441.47 LAKE WORTH FL 33463 2 03/12/03 00 0400789129 03 05/01/03 0 0400789129 O 04/01/33 0 8526433 E82/G02 F 109,300.00 ZZ 360 109,300.00 1 6.125 664.12 77 5.875 664.12 LAS VEGAS NV 89121 2 03/11/03 00 0400794434 09 05/01/03 0 0400794434 O 04/01/33 0 8526709 E22/G02 F 80,010.00 ZZ 360 80,010.00 1 6.750 518.94 90 6.500 518.94 SAN ANTONIO TX 78239 1 03/12/03 01 0416208064 05 05/01/03 25 0416208064 N 04/01/33 0 8526717 E22/G02 F 287,200.00 ZZ 360 287,200.00 1 6.125 1,745.06 80 5.875 1,745.06 TRACY CA 95376 1 03/11/03 00 0416217651 05 05/01/03 0 0416217651 N 04/01/33 0 1 8526725 E22/G02 F 132,800.00 ZZ 360 132,800.00 1 5.750 774.98 80 5.500 774.98 LAS VEGAS NV 89134 1 03/05/03 00 0416349561 03 05/01/03 0 0416349561 O 04/01/33 0 8526753 E22/G02 F 107,100.00 ZZ 360 107,100.00 1 6.750 694.65 90 6.500 694.65 N. LAUDERDALE FL 33068 1 03/13/03 04 0416408284 09 05/01/03 25 0416408284 N 04/01/33 0 8526785 E22/G02 F 283,000.00 ZZ 360 283,000.00 1 6.375 1,765.55 85 6.125 1,765.55 SAN JUAN CAPIST CA 92675 5 03/06/03 11 0416114338 03 05/01/03 12 0416114338 O 04/01/33 0 8526795 E22/G02 F 76,000.00 ZZ 360 76,000.00 1 6.625 486.64 95 6.375 486.64 FRANKLIN IN 46131 1 03/13/03 04 0416232007 05 05/01/03 30 0416232007 O 04/01/33 0 8526805 E22/G02 F 255,000.00 ZZ 360 255,000.00 1 5.875 1,508.42 65 5.625 1,508.42 GRANITE BAY CA 95746 2 03/04/03 00 0416251205 05 05/01/03 0 0416251205 N 04/01/33 0 8526807 E22/G02 F 142,500.00 ZZ 360 142,500.00 1 1 7.750 1,020.89 95 7.500 1,020.89 SPOKANE WA 99216 5 03/03/03 10 0416258333 05 05/01/03 30 0416258333 O 04/01/33 0 8526821 E22/G02 F 66,800.00 ZZ 360 66,800.00 1 6.875 438.83 80 6.625 438.83 HOUSTON TX 77033 5 03/13/03 00 0416283315 05 05/01/03 0 0416283315 N 04/01/33 0 8526825 E22/G02 F 72,000.00 ZZ 360 72,000.00 1 5.875 425.91 80 5.625 425.91 BROKEN ARROW OK 74011 1 03/13/03 00 0416306637 05 05/01/03 0 0416306637 O 04/01/33 0 8526847 E22/G02 F 319,920.00 ZZ 360 319,920.00 1 6.250 1,969.80 80 6.000 1,969.80 BALTIMORE MD 21231 1 03/13/03 00 0416155059 08 05/01/03 0 0416155059 O 04/01/33 0 8526937 601/G02 F 190,000.00 ZZ 360 189,819.71 2 6.250 1,169.87 73 6.000 1,169.87 AUSTIN TX 78704 2 02/06/03 00 0435505268 05 04/01/03 0 62472840 O 03/01/33 0 8527015 601/G02 F 261,000.00 ZZ 360 260,538.17 1 6.625 1,671.22 90 6.375 1,671.22 MIRAMAR FL 33027 1 01/31/03 11 0435505482 05 03/01/03 25 1 62454129 N 02/01/33 0 8527073 601/G02 F 100,000.00 ZZ 360 99,907.38 1 6.375 623.87 69 6.125 623.87 NAPLES FL 34116 5 02/07/03 00 0435505599 05 04/01/03 0 62455670 O 03/01/33 0 8528023 E47/G02 F 56,000.00 ZZ 360 55,948.13 1 6.375 349.37 78 6.125 349.37 NEWTON NC 28658 5 02/27/03 00 0435552450 05 04/01/03 0 7350510649 O 03/01/33 0 8528061 U05/G02 F 290,000.00 ZZ 360 289,731.41 1 6.375 1,809.22 79 6.125 1,809.22 LOS ANGELES CA 90064 5 02/20/03 00 0435566872 01 04/01/03 0 3310783 O 03/01/33 0 8528235 F89/G02 F 445,000.00 ZZ 360 444,577.77 1 6.250 2,739.94 79 6.000 2,739.94 PASADENA CA 91104 2 02/24/03 00 0435523030 05 04/01/03 0 16827850 O 03/01/33 0 8528373 N47/G02 F 235,000.00 ZZ 360 235,000.00 1 6.250 1,446.94 58 6.000 1,446.94 CAPITOLA CA 95010 1 03/06/03 00 0435601190 05 05/01/03 0 20503421 O 04/01/33 0 1 8528417 601/G02 F 202,300.00 T 360 202,108.05 1 6.250 1,245.60 53 6.000 1,245.60 LAKE LOTAWANNA MO 64086 5 03/03/03 00 0435499942 03 04/01/03 0 62464326 O 03/01/33 0 8528455 B23/G02 F 224,000.00 ZZ 360 224,000.00 1 6.250 1,379.21 80 6.000 1,379.21 IRVINE CA 92614 5 03/10/03 00 0435546916 01 05/01/03 0 80000284 O 04/01/33 0 8528545 601/G02 F 154,000.00 ZZ 360 153,857.37 1 6.375 960.76 73 6.125 960.76 LONGMONT CO 80501 2 02/26/03 00 0435498951 05 04/01/03 0 62507470 N 03/01/33 0 8528585 K60/G02 F 111,000.00 ZZ 360 111,000.00 1 6.250 683.45 85 6.000 683.45 RANDOLPH MA 02368 1 03/07/03 04 0435555966 01 05/01/03 12 74067 O 04/01/33 0 8528815 624/G02 F 506,250.00 ZZ 360 505,769.65 1 6.250 3,117.07 75 6.000 3,117.07 IRVINE CA 92604 5 02/26/03 00 0435523923 03 04/01/03 0 1000021506 O 03/01/33 0 8529331 A06/G02 F 450,000.00 ZZ 360 450,000.00 1 6.000 2,697.98 79 5.750 2,697.98 1 ANN ARBOR MI 48108 5 03/07/03 00 0435536800 05 05/01/03 0 1000020300073 O 04/01/33 0 8529335 X31/G02 F 103,500.00 ZZ 360 103,500.00 1 6.375 645.71 90 6.125 645.71 PHOENIX AZ 85032 2 03/06/03 10 0435635149 05 05/01/03 25 70000129 O 04/01/33 0 8529349 L20/G02 F 80,100.00 ZZ 360 80,100.00 1 6.625 512.89 90 6.375 512.89 CLEARFIELD UT 84015 1 03/11/03 14 0435545991 05 05/01/03 25 1061030143 N 04/01/33 0 8529593 E57/G02 F 350,000.00 ZZ 360 350,000.00 1 6.125 2,126.64 75 5.875 2,126.64 IRVINE CA 92612 5 03/06/03 00 0435552500 03 05/01/03 0 17300440 O 04/01/33 0 8529703 P44/G02 F 195,200.00 ZZ 360 195,200.00 1 6.125 1,186.06 80 5.875 1,186.06 HYANNIS MA 02601 5 02/26/03 00 0435521588 05 05/01/03 0 02120034 O 04/01/33 0 8529717 K15/G02 F 85,500.00 ZZ 360 85,500.00 1 7.125 576.03 84 6.875 576.03 GREENWOOD DE 19950 5 03/04/03 41 0435536248 05 05/01/03 12 013405511765 O 04/01/33 0 1 8529731 X71/G02 F 205,000.00 ZZ 360 205,000.00 1 6.500 1,295.74 51 6.250 1,295.74 SAN JOSE CA 95148 2 02/26/03 00 0435554910 05 05/01/03 0 7644835 O 04/01/33 0 8529895 U05/G02 F 400,000.00 TX 360 399,638.40 1 6.500 2,528.27 58 6.250 2,528.27 AUSTIN TX 78735 5 02/28/03 00 0435509252 29 04/01/03 0 3313465 O 03/01/33 0 8530063 E22/G02 F 62,360.00 ZZ 360 62,360.00 1 7.500 436.03 80 7.250 436.03 VISALIA CA 93292 1 03/07/03 00 0416332930 05 05/01/03 0 0416332930 N 04/01/33 0 8530075 E22/G02 F 224,750.00 ZZ 360 224,750.00 1 6.125 1,365.60 90 5.875 1,365.60 LA PALMA CA 90623 1 03/11/03 04 0416346237 09 05/01/03 25 0416346237 N 04/01/33 0 8530099 E22/G02 F 52,400.00 ZZ 360 52,400.00 1 6.125 318.39 80 5.875 318.39 PUEBLO CO 81004 2 03/14/03 00 0416379212 05 05/01/03 0 0416379212 N 04/01/33 0 8530231 E22/G02 F 128,000.00 ZZ 360 128,000.00 1 1 6.000 767.42 80 5.750 767.42 SUMMERVILLE SC 29485 2 03/10/03 00 0415569367 05 05/01/03 0 0415569367 O 04/01/33 0 8530241 E22/G02 F 192,000.00 ZZ 360 192,000.00 1 5.875 1,135.75 80 5.625 1,135.75 EVERETT WA 98205 2 03/06/03 00 0415873637 05 05/01/03 0 0415873637 O 04/01/33 0 8530245 E22/G02 F 183,000.00 ZZ 360 183,000.00 1 6.000 1,097.18 80 5.750 1,097.18 HOUSTON TX 77004 5 03/06/03 00 0415904838 05 05/01/03 0 0415904838 O 04/01/33 0 8530251 E22/G02 F 184,000.00 ZZ 360 184,000.00 1 6.125 1,118.00 80 5.875 1,118.00 TACOMA WA 98406 2 02/28/03 00 0415929058 05 05/01/03 0 0415929058 N 04/01/33 0 8530253 E22/G02 F 115,000.00 ZZ 360 115,000.00 1 6.250 708.07 54 6.000 708.07 RAYMORE MO 64083 1 03/12/03 00 0415946805 05 05/01/03 0 0415946805 O 04/01/33 0 8530297 E22/G02 F 140,800.00 ZZ 360 140,800.00 4 7.000 936.75 80 6.750 936.75 KALAMAZOO MI 49001 2 03/14/03 00 0416047751 05 05/01/03 0 1 0416047751 N 04/01/33 0 8530305 E22/G02 F 135,000.00 ZZ 360 135,000.00 1 5.875 798.58 45 5.625 798.58 SAUGUS MA 01906 5 03/10/03 00 0416065951 05 05/01/03 0 0416065951 O 04/01/33 0 8530307 E22/G02 F 161,100.00 ZZ 360 161,100.00 1 6.000 965.88 90 5.750 965.88 CRESCENT IA 51526 2 03/10/03 04 0416067270 05 05/01/03 12 0416067270 O 04/01/33 0 8530323 E22/G02 F 62,190.00 ZZ 360 62,190.00 1 7.750 445.54 90 7.500 445.54 OPELOUSAS LA 70570 1 03/14/03 01 0416097947 05 05/01/03 25 0416097947 N 04/01/33 0 8530325 E22/G02 F 142,500.00 ZZ 360 142,500.00 1 7.625 1,008.61 95 7.375 1,008.61 ABINGDON MD 21009 5 03/10/03 01 0416104321 09 05/01/03 30 0416104321 O 04/01/33 0 8530327 E22/G02 F 120,000.00 ZZ 360 120,000.00 1 6.125 729.13 58 5.875 729.13 DIAMOND SPRINGS CA 95619 5 03/06/03 00 0416108686 05 05/01/03 0 0416108686 O 04/01/33 0 1 8530335 E22/G02 F 160,000.00 ZZ 360 160,000.00 1 6.500 1,011.31 78 6.250 1,011.31 MIAMI FL 33183 1 03/14/03 00 0416121804 05 05/01/03 0 0416121804 O 04/01/33 0 8530341 E22/G02 F 128,000.00 ZZ 360 128,000.00 1 6.500 809.05 80 6.250 809.05 SAN ANTONIO TX 78230 5 03/07/03 00 0416130177 03 05/01/03 0 0416130177 O 04/01/33 0 8530363 E22/G02 F 225,000.00 ZZ 360 225,000.00 1 5.875 1,330.96 90 5.625 1,330.96 SOUTH OGDEN UT 84403 5 03/06/03 04 0416160174 05 05/01/03 25 0416160174 O 04/01/33 0 8530371 E22/G02 F 85,500.00 ZZ 360 85,500.00 1 6.500 540.42 77 6.250 540.42 WETUMPKA AL 36092 5 03/10/03 00 0416166171 05 05/01/03 0 0416166171 O 04/01/33 0 8530437 E82/G02 F 109,300.00 ZZ 360 109,300.00 1 6.375 681.89 93 6.125 681.89 SPRING TX 77388 2 03/13/03 04 0400777108 03 05/01/03 30 0400777108 O 04/01/33 0 8530459 E22/G02 F 400,000.00 ZZ 360 400,000.00 1 6.125 2,430.44 80 5.875 2,430.44 1 AUSTIN TX 78731 5 03/10/03 00 0416228419 05 05/01/03 0 0416228419 O 04/01/33 0 8530481 E22/G02 F 140,000.00 ZZ 360 140,000.00 1 6.625 896.44 76 6.375 896.44 HOUSTON TX 77014 2 03/10/03 00 0416235315 03 05/01/03 0 0416235315 O 04/01/33 0 8530519 E22/G02 F 77,000.00 ZZ 360 77,000.00 1 6.250 474.10 77 6.000 474.10 FEDERALSBURG MD 21632 5 03/10/03 00 0416256220 05 05/01/03 0 0416256220 O 04/01/33 0 8530529 E22/G02 F 77,040.00 ZZ 360 77,040.00 1 6.125 468.10 80 5.875 468.10 HOUSTON TX 77084 1 03/14/03 00 0416257830 03 05/01/03 0 0416257830 O 04/01/33 0 8530541 E22/G02 F 128,250.00 ZZ 360 128,250.00 1 6.125 779.26 73 5.875 779.26 TARPON SPRINGS FL 34689 5 03/10/03 00 0416265684 03 05/01/03 0 0416265684 O 04/01/33 0 8530545 E22/G02 F 215,000.00 ZZ 360 215,000.00 2 6.500 1,358.95 60 6.250 1,358.95 LOS ANGELES CA 90008 5 03/05/03 00 0416272532 05 05/01/03 0 0416272532 N 04/01/33 0 1 8530553 E22/G02 F 93,500.00 ZZ 360 93,500.00 1 6.500 590.98 75 6.250 590.98 LANTANA FL 33462 2 03/10/03 00 0416281269 05 05/01/03 0 0416281269 O 04/01/33 0 8530555 E22/G02 F 86,400.00 ZZ 360 86,400.00 1 6.375 539.02 80 6.125 539.02 EL PASO TX 79936 5 03/06/03 00 0416281863 05 05/01/03 0 0416281863 O 04/01/33 0 8530569 E22/G02 F 62,000.00 ZZ 360 62,000.00 1 6.500 391.88 80 6.250 391.88 POMPANO BEACH FL 33068 1 03/14/03 00 0416292936 07 05/01/03 0 0416292936 N 04/01/33 0 8530587 E22/G02 F 615,000.00 ZZ 360 615,000.00 1 6.250 3,786.66 75 6.000 3,786.66 DALLAS TX 75252 5 03/10/03 00 0416299766 05 05/01/03 0 0416299766 O 04/01/33 0 8530589 E22/G02 F 110,300.00 ZZ 360 110,300.00 1 6.125 670.19 54 5.875 670.19 DENVER CO 80213 5 03/10/03 00 0416300911 05 05/01/03 0 0416300911 O 04/01/33 0 8530595 E22/G02 F 122,000.00 ZZ 360 122,000.00 1 1 6.125 741.28 88 5.875 741.28 ROSEBURG OR 97470 5 03/10/03 04 0416310266 05 05/01/03 25 0416310266 O 04/01/33 0 8530607 E22/G02 F 62,000.00 ZZ 360 62,000.00 1 6.500 391.88 56 6.250 391.88 COLORADO SPRING CO 80915 5 03/14/03 00 0416318186 05 05/01/03 0 0416318186 N 04/01/33 0 8530615 E22/G02 F 621,750.00 ZZ 360 621,750.00 1 5.875 3,677.89 75 5.625 3,677.89 HUNTINGTON BEAC CA 92648 5 03/10/03 00 0416321685 05 05/01/03 0 0416321685 O 04/01/33 0 8531657 U05/G02 F 356,000.00 ZZ 360 355,617.08 1 6.125 2,163.09 78 5.875 2,163.09 EUGENE OR 97405 2 02/21/03 00 0435671391 05 04/01/03 0 3312899 O 03/01/33 0 8531977 U05/G02 F 355,000.00 TX 360 355,000.00 1 6.375 2,214.74 79 6.125 2,214.74 HOUSTON TX 77005 5 03/05/03 00 0435525944 05 05/01/03 0 3308750 O 04/01/33 0 8532107 X89/G02 F 400,000.00 ZZ 360 399,592.18 1 5.875 2,366.15 55 5.625 2,366.15 LOS ANGELES CA 90291 5 02/19/03 00 0435534326 05 04/01/03 0 1 1010242280 O 03/01/33 0 8532329 696/G02 F 260,000.00 ZZ 360 260,000.00 1 6.375 1,622.06 80 6.125 1,622.06 UPPER MARLBORO MD 20772 1 03/10/03 00 0435571187 05 05/01/03 0 23303066 O 04/01/33 0 8532401 742/G02 F 288,000.00 ZZ 360 288,000.00 2 6.625 1,844.10 80 6.375 1,844.10 BRONX NY 10469 5 02/27/03 00 0435538830 05 05/01/03 0 NY02111802MV O 04/01/33 0 8532423 286/286 F 134,100.00 ZZ 360 133,874.04 2 6.875 880.94 90 6.625 880.94 AUSTIN TX 78757 1 01/01/03 14 1908171 05 03/01/03 25 1908171 N 02/01/33 0 8532437 286/286 F 98,400.00 ZZ 360 98,058.20 1 6.750 638.23 80 6.500 638.23 STONE MOUNTAIN GA 30088 5 11/22/02 00 1716239 05 01/01/03 0 1716239 N 12/01/32 0 8532451 286/286 F 203,100.00 ZZ 360 202,722.78 1 6.375 1,267.08 80 6.125 1,267.08 LONG BEACH CA 90805 1 01/07/03 00 1911661 05 03/01/03 0 1911661 O 02/01/33 0 1 8532473 286/286 F 77,098.00 ZZ 360 76,855.21 1 7.250 525.95 90 7.000 525.95 AUSTIN TX 78704 1 11/15/02 11 1723110 05 01/01/03 25 1723110 N 12/01/32 0 8532499 286/286 F 243,000.00 ZZ 360 242,580.38 3 6.750 1,576.10 90 6.500 1,576.10 LOS ANGELES CA 90044 1 01/17/03 12 1965825 05 03/01/03 25 1965825 O 02/01/33 0 8532507 286/286 F 110,000.00 ZZ 360 109,814.63 1 6.875 722.63 80 6.625 722.63 ST LOUIS MO 63111 2 01/27/03 00 1927689 05 03/01/03 0 1927689 N 02/01/33 0 8532523 286/286 F 115,200.00 ZZ 360 114,991.14 2 6.500 728.15 80 6.250 728.15 LAKEWOOD OH 44107 5 02/04/03 00 1768337 05 03/01/03 0 1768337 N 02/01/33 0 8532525 286/286 F 104,250.00 ZZ 360 104,078.59 2 7.000 693.58 63 6.750 693.58 WALLED LAKE MI 48390 5 01/27/03 00 1833281 05 03/01/03 0 1833281 N 02/01/33 0 8532531 286/286 F 113,400.00 ZZ 360 113,218.08 1 7.125 764.00 90 6.875 764.00 1 PRAIRIE VILLAGE KS 66208 1 01/28/03 04 1964479 05 03/01/03 25 1964479 N 02/01/33 0 8532541 286/286 F 52,200.00 ZZ 360 52,003.81 1 7.500 365.00 90 7.250 365.00 KANSAS CITY MO 64124 1 10/31/02 11 1726441 05 12/01/02 25 1726441 N 11/01/32 0 8532559 286/286 F 130,005.00 ZZ 360 129,516.49 2 7.500 909.02 90 7.250 909.02 ELLWOOD CITY PA 16117 1 11/05/02 04 1719333 05 12/01/02 25 1719333 N 11/01/32 0 8532561 286/286 F 258,500.00 ZZ 360 258,105.39 4 7.375 1,785.40 90 7.125 1,785.40 WORCESTER MA 01603 1 01/21/03 12 1854660 05 03/01/03 25 1854660 N 02/01/33 0 8532565 286/286 F 94,005.00 ZZ 360 93,651.77 2 7.500 657.30 90 7.250 657.30 WAMPUM PA 16157 1 11/05/02 04 1719344 05 12/01/02 25 1719344 N 11/01/32 0 8532571 286/286 F 83,430.00 ZZ 360 83,116.49 2 7.500 583.36 90 7.250 583.36 BUTLER PA 16001 1 11/05/02 04 1719390 05 12/01/02 25 1719390 N 11/01/32 0 1 8532579 286/286 F 154,000.00 ZZ 360 153,713.98 4 6.375 960.76 80 6.125 960.76 PHOENIX AZ 85020 1 01/15/03 00 1894185 05 03/01/03 0 1894185 N 02/01/33 0 8532585 286/286 F 154,000.00 ZZ 360 153,713.98 4 6.375 960.76 80 6.125 960.76 PHOENIX AZ 85020 1 01/15/03 00 1894237 05 03/01/03 0 1894237 N 02/01/33 0 8532589 286/286 F 85,275.00 ZZ 360 85,116.60 1 6.375 532.01 56 6.125 532.01 DENVER CO 80220 2 01/30/03 00 1959484 05 03/01/03 0 1959484 N 02/01/33 0 8532591 286/286 F 109,600.00 ZZ 360 109,375.96 1 5.875 648.33 80 5.625 648.33 MODESTO CA 95350 1 01/09/03 00 1925806 05 03/01/03 0 1925806 N 02/01/33 0 8532597 286/286 F 141,000.00 ZZ 360 140,744.37 1 6.500 891.22 54 6.250 891.22 COMMERCE TOWNSH MI 48390 1 01/15/03 00 1881984 05 03/01/03 0 1881984 O 02/01/33 0 8532601 286/286 F 115,000.00 ZZ 360 114,786.39 2 1 6.375 717.46 25 6.125 717.46 SAN DIEGO CA 92116 2 01/08/03 00 1901753 05 03/01/03 0 1901753 N 02/01/33 0 8532603 286/286 F 72,000.00 ZZ 360 71,881.62 2 7.000 479.02 90 6.750 479.02 ROCKFORD IL 61103 1 01/31/03 11 1906211 05 03/01/03 25 1906211 N 02/01/33 0 8532637 286/286 F 119,250.00 ZZ 360 119,044.06 1 6.750 773.46 90 6.500 773.46 REX GA 30273 1 01/31/03 12 1974716 05 03/01/03 25 1974716 N 02/01/33 0 8532649 286/286 F 370,000.00 ZZ 360 369,345.30 1 6.625 2,369.16 80 6.375 2,369.16 MIAMI FL 33156 1 01/28/03 00 1974238 05 03/01/03 0 1974238 O 02/01/33 0 8532653 286/286 F 134,000.00 ZZ 360 133,757.05 2 6.500 846.98 75 6.250 846.98 PLYMOUTH MI 48170 2 01/31/03 00 1875693 05 03/01/03 0 1875693 N 02/01/33 0 8532657 286/286 F 134,000.00 ZZ 360 133,757.05 2 6.500 846.98 75 6.250 846.98 PLYMOUTH MI 48170 2 01/31/03 00 1875695 05 03/01/03 0 1 1875695 N 02/01/33 0 8532661 286/286 F 175,000.00 ZZ 360 174,719.27 2 7.125 1,179.01 90 6.875 1,179.01 PROVIDENCE RI 02906 1 01/16/03 12 1802999 05 03/01/03 25 1802999 N 02/01/33 0 8532675 286/286 F 78,400.00 ZZ 360 78,074.89 1 7.000 521.60 80 6.750 521.60 BRANDON FL 33511 1 10/30/02 00 1738931 05 12/01/02 0 1738931 N 11/01/32 0 8532677 286/286 F 34,400.00 ZZ 360 34,343.43 1 7.000 228.87 80 6.750 228.87 DAYTON OH 45439 1 01/29/03 00 1923777 01 03/01/03 0 1923777 O 02/01/33 0 8532683 286/286 F 121,500.00 ZZ 360 121,390.16 1 6.500 767.97 90 6.250 767.97 MIAMI FL 33174 1 02/04/03 11 2024878 01 04/01/03 25 2024878 N 03/01/33 0 8532687 286/286 F 110,200.00 ZZ 360 110,018.80 1 7.000 733.17 90 6.750 733.17 SOUTH BOARDMAN MI 49680 2 01/06/03 12 1843076 05 03/01/03 25 1843076 O 02/01/33 0 1 8532693 286/286 F 148,000.00 ZZ 360 147,731.67 1 6.500 935.47 80 6.250 935.47 MOUNTAIN CENTER CA 92561 5 01/15/03 00 1730405 05 03/01/03 0 1730405 O 02/01/33 0 8532713 286/286 F 109,000.00 ZZ 360 108,591.85 1 6.750 706.97 78 6.500 706.97 BATON ROUGE LA 70817 2 11/04/02 00 1599175 05 01/01/03 0 1599175 N 12/01/32 0 8532715 286/286 F 259,340.00 ZZ 360 258,944.11 1 7.375 1,791.20 95 7.125 1,791.20 MIAMI FL 33184 1 01/08/03 12 1921811 05 03/01/03 30 1921811 O 02/01/33 0 8532727 286/286 F 93,000.00 ZZ 360 92,831.38 1 6.500 587.83 73 6.250 587.83 SAN JUAN CAPIST CA 92675 2 01/21/03 00 1962899 01 03/01/03 0 1962899 N 02/01/33 0 8532737 286/286 F 109,100.00 ZZ 360 108,998.94 2 6.375 680.65 74 6.125 680.65 MENTOR OH 44060 2 02/08/03 00 1913772 05 04/01/03 0 1913772 N 03/01/33 0 8532745 286/286 F 47,000.00 ZZ 360 46,918.83 1 6.750 304.85 66 6.500 304.85 1 NORTH TRURO MA 02652 2 01/24/03 00 1916487 01 03/01/03 0 1916487 N 02/01/33 0 8532749 286/286 F 103,500.00 ZZ 360 103,325.58 1 6.875 679.93 75 6.625 679.93 MARIETTA GA 30060 5 01/21/03 00 1912014 05 03/01/03 0 1912014 N 02/01/33 0 8532755 286/286 F 15,300.00 ZZ 360 15,276.05 1 7.250 104.38 90 7.000 104.38 BALTIMORE MD 21212 1 01/28/03 12 1933763 05 03/01/03 25 1933763 N 02/01/33 0 8532759 286/286 F 56,250.00 ZZ 360 56,159.76 1 7.125 378.97 75 6.875 378.97 ST LOUIS MO 63135 5 01/06/03 00 1881691 05 03/01/03 0 1881691 N 02/01/33 0 8532785 286/286 F 452,000.00 ZZ 360 451,140.00 1 6.250 2,783.05 80 6.000 2,783.05 MIRAMAR FL 33029 2 01/27/03 00 1971174 05 03/01/03 0 1971174 O 02/01/33 0 8532791 286/286 F 172,000.00 ZZ 360 171,672.74 1 6.250 1,059.04 75 6.000 1,059.04 SEATTLE WA 98125 2 01/24/03 00 1881757 05 03/01/03 0 1881757 N 02/01/33 0 1 8532801 286/286 F 47,610.00 ZZ 360 47,535.48 1 7.250 324.79 90 7.000 324.79 INDIANAPOLIS IN 46225 1 01/17/03 12 1944018 05 03/01/03 25 1944018 N 02/01/33 0 8532817 286/286 F 162,000.00 ZZ 360 161,706.29 1 6.500 1,023.96 90 6.250 1,023.96 MANCHESTER NH 03109 1 01/27/03 11 1916779 05 03/01/03 25 1916779 N 02/01/33 0 8532823 286/286 F 100,000.00 ZZ 360 99,814.27 1 6.375 623.87 80 6.125 623.87 TUCSON AZ 85705 1 02/03/03 00 1951025 05 03/01/03 0 1951025 N 02/01/33 0 8532827 286/286 F 67,900.00 ZZ 360 67,646.42 1 6.375 423.61 80 6.125 423.61 DAYTON OH 45420 1 11/21/02 00 1768435 05 01/01/03 0 1768435 N 12/01/32 0 8532835 286/286 F 610,000.00 ZZ 360 608,839.39 1 6.250 3,755.88 71 6.000 3,755.88 WESTPORT CT 06880 2 01/28/03 00 1897146 05 03/01/03 0 1897146 O 02/01/33 0 8532847 286/286 F 98,500.00 ZZ 360 98,157.90 1 1 6.750 638.87 43 6.500 638.87 WHEATON MD 20906 2 11/22/02 00 1644055 05 01/01/03 0 1644055 N 12/01/32 0 8532851 286/286 F 114,000.00 ZZ 360 113,889.20 2 6.125 692.68 76 5.875 692.68 PROVIDENCE RI 02908 2 02/07/03 00 1852921 05 04/01/03 0 1852921 N 03/01/33 0 8532853 286/286 F 103,500.00 ZZ 360 103,140.54 1 6.750 671.30 80 6.500 671.30 BLOOMINGTON IL 61701 2 11/15/02 00 1626364 05 01/01/03 0 1626364 N 12/01/32 0 8532857 286/286 F 104,000.00 ZZ 360 103,620.82 1 6.500 657.36 80 6.250 657.36 NEW LENOX IL 60451 2 11/01/02 00 1630973 01 01/01/03 0 1630973 N 12/01/32 0 8532859 286/286 F 92,700.00 ZZ 360 92,393.37 3 7.000 616.74 90 6.750 616.74 HOLYOKE MA 01040 1 11/18/02 12 1716360 05 01/01/03 25 1716360 N 12/01/32 0 8532865 286/286 F 79,200.00 ZZ 360 79,124.85 1 6.250 487.65 90 6.000 487.65 MONROE GA 30656 1 02/05/03 21 1989246 05 04/01/03 30 1 1989246 N 03/01/33 0 8532867 286/286 F 116,000.00 ZZ 360 115,784.55 1 6.375 723.69 80 6.125 723.69 RICHMOND VA 23230 5 01/13/03 00 1664941 05 03/01/03 0 1664941 O 02/01/33 0 8532893 286/286 F 86,100.00 ZZ 360 86,022.17 1 6.500 544.21 70 6.250 544.21 ASHEVILLE NC 28805 2 02/04/03 00 1897790 05 04/01/03 0 1897790 N 03/01/33 0 8532897 286/286 F 85,000.00 ZZ 360 84,849.59 1 6.625 544.27 66 6.375 544.27 WATERBURY CT 06762 2 01/24/03 00 1859514 05 03/01/03 0 1859514 N 02/01/33 0 8532917 286/286 F 56,000.00 ZZ 360 55,907.93 1 7.000 372.57 80 6.750 372.57 WESTLAND PA 15378 5 12/27/02 00 1727393 05 03/01/03 0 1727393 O 02/01/33 0 8532919 286/286 F 81,000.00 ZZ 360 80,834.42 1 5.875 479.15 90 5.625 479.15 SIMPSONVILLE SC 29681 1 01/22/03 12 1914137 05 03/01/03 25 1914137 N 02/01/33 0 1 8532925 286/286 F 121,500.00 ZZ 360 121,279.72 1 6.500 767.96 90 6.250 767.96 TAMPA FL 33613 1 01/22/03 10 1923458 05 03/01/03 30 1923458 O 02/01/33 0 8532929 286/286 F 129,000.00 ZZ 360 128,760.39 1 6.375 804.80 75 6.125 804.80 CHICAGO IL 60613 5 01/20/03 00 1891704 01 03/01/03 0 1891704 O 02/01/33 0 8532931 286/286 F 123,600.00 ZZ 360 123,391.72 2 6.875 811.97 80 6.625 811.97 PITTSBURGH PA 15205 1 01/07/03 00 1906885 05 03/01/03 0 1906885 N 02/01/33 0 8532933 286/286 F 76,500.00 ZZ 360 76,374.21 2 7.000 508.96 90 6.750 508.96 NORFOLK VA 23513 1 01/15/03 11 1891270 05 03/01/03 25 1891270 N 02/01/33 0 8532943 286/286 F 108,000.00 ZZ 360 107,606.25 2 6.500 682.64 56 6.250 682.64 MATAWAN NJ 07728 2 11/08/02 00 1096006 05 01/01/03 0 1096006 N 12/01/32 0 8532955 286/286 F 85,000.00 ZZ 360 84,830.34 4 6.000 509.62 61 5.750 509.62 1 NOGALES AZ 85648 5 01/22/03 00 1874387 05 03/01/03 0 1874387 N 02/01/33 0 8532979 286/286 F 80,800.00 ZZ 360 80,638.72 1 6.000 484.44 80 5.750 484.44 HOUSTON TX 77042 5 01/17/03 00 1962905 05 03/01/03 0 1962905 N 02/01/33 0 8532985 286/286 F 400,000.00 ZZ 360 399,342.33 1 7.000 2,661.21 83 6.750 2,661.21 SUNNY ISLES FL 33160 1 01/10/03 04 1914592 01 03/01/03 12 1914592 O 02/01/33 0 8532995 286/286 F 195,000.00 ZZ 360 194,646.47 4 6.500 1,232.54 38 6.250 1,232.54 SAN DIEGO CA 92115 2 01/08/03 00 1800367 05 03/01/03 0 1800367 N 02/01/33 0 8532999 286/286 F 500,000.00 ZZ 360 499,136.58 1 6.750 3,243.00 39 6.500 3,243.00 PALO ALTO CA 94306 1 01/15/03 00 1931913 05 03/01/03 0 1931913 O 02/01/33 0 8533005 286/286 F 649,950.00 ZZ 360 648,683.34 1 6.125 3,949.17 52 5.875 3,949.17 DUCK NC 27949 2 01/16/03 00 1691590 05 03/01/03 0 1691590 N 02/01/33 0 1 8533009 286/286 F 202,400.00 ZZ 360 201,995.99 1 6.000 1,213.50 80 5.750 1,213.50 RUSH CITY MN 55069 2 01/27/03 00 1919528 05 03/01/03 0 1919528 O 02/01/33 0 8533017 286/286 F 105,800.00 ZZ 360 105,523.73 1 6.375 660.05 90 6.125 660.05 DRIPPING SPRING TX 78620 1 01/31/03 10 2005887 05 03/01/03 30 2005887 N 02/01/33 0 8533023 286/286 F 81,600.00 ZZ 360 81,444.74 1 6.250 502.43 80 6.000 502.43 BLOOMINGTON IL 61701 1 01/21/03 00 1948837 05 03/01/03 0 1948837 N 02/01/33 0 8533031 286/286 F 400,000.00 ZZ 360 399,201.59 1 6.000 2,398.21 56 5.750 2,398.21 PASADENA CA 91105 5 01/23/03 00 1963022 05 03/01/03 0 1963022 O 02/01/33 0 8533037 286/286 F 122,000.00 ZZ 360 121,892.36 1 6.625 781.18 80 6.375 781.18 BERLIN MD 21811 5 02/13/03 00 1993773 05 04/01/03 0 1993773 N 03/01/33 0 8533041 286/286 F 146,000.00 ZZ 360 145,385.93 2 1 6.625 934.86 80 6.375 934.86 SHAKER HTS OH 44122 2 11/18/02 00 1695973 05 01/01/03 0 1695973 N 12/01/32 0 8533043 286/286 F 77,600.00 ZZ 360 77,421.75 2 7.375 535.97 80 7.125 535.97 DETROIT MI 48210 1 12/30/02 00 1805983 05 02/01/03 0 1805983 N 01/01/33 0 8533055 286/286 F 141,000.00 ZZ 360 140,624.73 1 6.625 902.84 75 6.375 902.84 ST CLAIR SHORES MI 48080 5 12/09/02 00 1795684 05 02/01/03 0 1795684 O 01/01/33 0 8533059 286/286 F 116,000.00 ZZ 360 115,660.03 1 6.125 704.83 80 5.875 704.83 MANCHESTER NJ 08757 5 12/27/02 00 1460766 05 02/01/03 0 1460766 O 01/01/33 0 8533067 286/286 F 195,000.00 ZZ 360 194,601.40 1 5.875 1,153.50 31 5.625 1,153.50 ROWLEY MA 01969 2 01/17/03 00 1694806 05 03/01/03 0 1694806 O 02/01/33 0 8533073 286/286 F 175,000.00 ZZ 360 174,682.70 1 6.500 1,106.12 54 6.250 1,106.12 BROOKLYN NY 11236 5 01/21/03 00 1909361 05 03/01/03 0 1 1909361 N 02/01/33 0 8533081 286/286 F 100,000.00 ZZ 360 99,905.11 1 6.250 615.72 75 6.000 615.72 TUCSON AZ 85741 1 02/10/03 00 1980445 05 04/01/03 0 1980445 N 03/01/33 0 8533087 286/286 F 87,000.00 ZZ 360 86,853.40 1 6.875 571.53 75 6.625 571.53 HAZEL PARK MI 48030 5 01/13/03 00 1881951 05 03/01/03 0 1881951 N 02/01/33 0 8533093 286/286 F 105,750.00 ZZ 360 105,567.37 1 6.750 685.89 75 6.500 685.89 TUCSON AZ 85715 5 01/23/03 00 1877052 05 03/01/03 0 1877052 N 02/01/33 0 8533113 286/286 F 182,750.00 ZZ 360 182,442.06 4 6.875 1,200.54 85 6.625 1,200.54 LAUDERHILL FL 33313 1 01/10/03 12 1893898 05 03/01/03 20 1893898 N 02/01/33 0 8533121 286/286 F 51,200.00 ZZ 360 51,104.89 1 6.375 319.43 80 6.125 319.43 DAYTON OH 45404 2 01/24/03 00 1841362 05 03/01/03 0 1841362 N 02/01/33 0 1 8533123 286/286 F 85,400.00 ZZ 360 85,096.08 1 6.625 546.83 90 6.375 546.83 BOSSIER CITY LA 71112 1 11/20/02 04 1747338 05 01/01/03 35 1747338 N 12/01/32 0 8533129 286/286 F 76,000.00 ZZ 360 75,855.39 1 6.250 467.95 80 6.000 467.95 CHICAGO IL 60636 5 01/31/03 00 1957721 05 03/01/03 0 1957721 N 02/01/33 0 8533131 286/286 F 266,000.00 ZZ 360 265,540.65 4 6.750 1,725.28 70 6.500 1,725.28 ELIZABETH NJ 07207 5 01/31/03 00 1953100 05 03/01/03 0 1953100 N 02/01/33 0 8533133 286/286 F 66,700.00 ZZ 360 66,587.59 1 6.875 438.18 75 6.625 438.18 BURLESON TX 76028 5 01/24/03 00 1904440 05 03/01/03 0 1904440 N 02/01/33 0 8533135 286/286 F 120,300.00 ZZ 360 119,505.40 1 6.500 760.38 52 6.250 760.38 ARLINGTON VA 22206 2 10/30/02 00 1603033 03 12/01/02 0 1603033 N 11/01/32 0 8533137 286/286 F 66,700.00 ZZ 360 66,587.59 1 6.875 438.18 75 6.625 438.18 1 BURLESON TX 76028 5 01/24/03 00 1904454 05 03/01/03 0 1904454 N 02/01/33 0 8533139 286/286 F 22,500.00 ZZ 360 22,442.97 2 6.875 147.81 90 6.625 147.81 MUSKEGON MI 49442 1 12/31/02 11 1863101 05 02/01/03 25 1863101 N 01/01/33 0 8533145 286/286 F 133,500.00 ZZ 360 133,257.96 1 6.500 843.82 77 6.250 843.82 GLENDALE AZ 85306 2 01/17/03 00 1918640 05 03/01/03 0 1918640 O 02/01/33 0 8533147 286/286 F 94,500.00 ZZ 360 94,332.78 1 6.625 605.10 90 6.375 605.10 ATLANTA GA 30311 1 01/09/03 10 1897380 05 03/01/03 25 1897380 N 02/01/33 0 8533151 286/286 F 101,600.00 ZZ 360 101,168.29 1 6.875 667.44 80 6.625 667.44 SCHWENKSVILLE PA 19473 1 10/30/02 00 1685840 05 12/01/02 0 1685840 N 11/01/32 0 8533157 286/286 F 306,000.00 ZZ 360 305,471.60 1 6.750 1,984.71 68 6.500 1,984.71 BETHESDA MD 20817 5 01/16/03 00 1871745 05 03/01/03 0 1871745 O 02/01/33 0 1 8533165 286/286 F 261,000.00 ZZ 360 260,338.39 1 6.875 1,714.59 90 6.625 1,714.59 SPRINGFIELD NJ 07081 1 12/27/02 04 1845647 01 02/01/03 25 1845647 N 01/01/33 0 8533167 286/286 F 91,000.00 ZZ 360 90,691.54 2 6.875 597.81 73 6.625 597.81 PHILADELPHIA PA 19128 2 11/12/02 00 1704381 05 01/01/03 0 1704381 N 12/01/32 0 8533171 286/286 F 92,800.00 ZZ 360 92,471.20 1 6.000 556.38 80 5.750 556.38 ALBUQUERQUE NM 87108 1 12/13/02 00 1947780 05 02/01/03 0 1947780 N 01/01/33 0 8533173 286/286 F 143,000.00 ZZ 360 142,734.39 1 6.375 892.14 55 6.125 892.14 SCHWENKSVILLE PA 19473 5 01/27/03 00 1887349 05 03/01/03 0 1887349 O 02/01/33 0 8533177 286/286 F 76,000.00 ZZ 360 75,865.51 1 6.625 486.64 80 6.375 486.64 FAIRFAX VA 22031 1 01/30/03 00 1963822 01 03/01/03 0 1963822 N 02/01/33 0 8533179 286/286 F 500,000.00 ZZ 360 499,136.58 2 1 6.750 3,243.00 55 6.500 3,243.00 LA JOLLA CA 92037 1 01/22/03 00 1962357 05 03/01/03 0 1962357 N 02/01/33 0 8533183 286/286 F 128,000.00 ZZ 360 127,804.60 2 7.375 884.07 76 7.125 884.07 KEANSBURG NJ 07734 5 01/23/03 00 1899089 05 03/01/03 0 1899089 N 02/01/33 0 8533185 286/286 F 80,500.00 ZZ 360 80,177.03 1 6.000 482.64 70 5.750 482.64 PORTLAND OR 97211 2 11/22/02 00 1742784 05 01/01/03 0 1742784 N 12/01/32 0 8533187 286/286 F 128,000.00 ZZ 360 127,804.60 2 7.375 884.07 72 7.125 884.07 KEANSBURG NJ 07734 5 01/17/03 00 1899093 05 03/01/03 0 1899093 N 02/01/33 0 8533193 286/286 F 108,500.00 ZZ 360 108,094.82 1 6.375 676.90 70 6.125 676.90 LOUISVILLE KY 40258 1 11/13/02 00 1573726 01 01/01/03 0 1573726 N 12/01/32 0 8533209 286/286 F 435,000.00 ZZ 360 434,248.83 1 6.750 2,821.41 67 6.500 2,821.41 UPPER SADDLE RI NJ 07458 2 01/21/03 00 1579065 05 03/01/03 0 1 1579065 O 02/01/33 0 8533215 286/286 F 136,000.00 ZZ 360 135,753.45 1 6.500 859.61 80 6.250 859.61 PALMETTO GA 30268 2 01/15/03 00 1934619 05 03/01/03 0 1934619 N 02/01/33 0 8533217 286/286 F 100,000.00 ZZ 360 99,843.51 3 7.250 682.18 80 7.000 682.18 SPRINGFIELD MA 01108 5 01/21/03 00 1838588 05 03/01/03 0 1838588 N 02/01/33 0 8533229 286/286 F 67,240.00 ZZ 360 67,132.14 1 7.125 453.01 80 6.875 453.01 OXON HILL MD 20745 1 01/21/03 00 1789667 05 03/01/03 0 1789667 N 02/01/33 0 8533233 286/286 F 86,400.00 ZZ 360 86,243.36 1 6.500 546.11 76 6.250 546.11 ROANOKE VA 24018 5 01/24/03 00 1937449 05 03/01/03 0 1937449 N 02/01/33 0 8533237 286/286 F 225,000.00 ZZ 360 224,561.50 1 6.125 1,367.13 54 5.875 1,367.13 SHERMAN CT 06784 1 01/29/03 00 1836717 05 03/01/03 0 1836717 O 02/01/33 0 1 8533247 286/286 F 80,000.00 ZZ 360 79,854.95 1 6.500 505.66 48 6.250 505.66 ALEXANDRIA VA 22307 2 01/16/03 00 1925245 01 03/01/03 0 1925245 N 02/01/33 0 8533255 286/286 F 243,600.00 ZZ 360 242,564.93 4 6.875 1,600.28 70 6.625 1,600.28 ENGLEWOOD NJ 07631 5 10/25/02 00 1634495 05 12/01/02 0 1634495 N 11/01/32 0 8533261 286/286 F 98,000.00 ZZ 360 97,834.85 1 6.875 643.80 62 6.625 643.80 WARWICK RI 02889 5 01/24/03 00 1934495 05 03/01/03 0 1934495 O 02/01/33 0 8533267 286/286 F 140,000.00 ZZ 360 139,739.97 1 6.375 873.42 69 6.125 873.42 HOUSTON TX 77009 5 01/24/03 00 1858649 05 03/01/03 0 1858649 N 02/01/33 0 8533273 286/286 F 509,500.00 ZZ 360 508,620.19 1 6.750 3,304.61 71 6.500 3,304.61 MANASQUAN NJ 08736 2 01/09/03 00 1879019 01 03/01/03 0 1879019 O 02/01/33 0 8533281 286/286 F 123,200.00 ZZ 360 122,987.26 1 6.750 799.07 80 6.500 799.07 1 APEX NC 27502 2 01/06/03 00 1847572 05 03/01/03 0 1847572 O 02/01/33 0 8533283 286/286 F 103,000.00 ZZ 360 102,365.54 1 6.000 617.54 66 5.750 617.54 LAS VEGAS NV 89144 2 01/27/03 00 1873367 05 03/01/03 0 1873367 N 02/01/33 0 8533293 286/286 F 87,200.00 ZZ 360 86,967.89 1 6.625 558.36 80 6.375 558.36 JACKSONVILLE FL 32210 5 12/24/02 00 1911747 05 02/01/03 0 1911747 O 01/01/33 0 8533295 286/286 F 112,400.00 ZZ 360 112,191.24 1 6.375 701.23 80 6.125 701.23 MESA AZ 85206 1 01/22/03 00 1977999 05 03/01/03 0 1977999 N 02/01/33 0 8533299 286/286 F 115,000.00 ZZ 360 114,590.78 1 6.625 736.36 71 6.375 736.36 CROFTON MD 21114 2 11/27/02 00 1698500 03 01/01/03 0 1698500 N 12/01/32 0 8533303 286/286 F 112,000.00 ZZ 360 111,901.18 1 6.625 717.15 80 6.375 717.15 WHITEHALL MI 49461 1 02/05/03 00 1976462 05 04/01/03 0 1976462 N 03/01/33 0 1 8533305 286/286 F 38,400.00 ZZ 360 38,328.67 1 6.375 239.57 80 6.125 239.57 PHOENIX AZ 85051 1 01/14/03 00 1869898 01 03/01/03 0 1869898 N 02/01/33 0 8533319 286/286 F 312,300.00 ZZ 360 311,747.40 1 6.625 1,999.70 90 6.375 1,999.70 BETHLEHEM CT 06751 1 01/29/03 12 1871396 05 03/01/03 25 1871396 O 02/01/33 0 8533325 286/286 F 51,200.00 ZZ 360 51,026.45 2 6.875 336.35 80 6.625 336.35 WARREN MI 48089 1 12/05/02 00 1750187 05 01/01/03 0 1750187 N 12/01/32 0 8533333 286/286 F 134,950.00 ZZ 360 134,738.81 3 7.250 920.60 90 7.000 920.60 SPRINGFIELD MA 01108 1 01/30/03 11 1953332 05 03/01/03 25 1953332 N 02/01/33 0 8533343 286/286 F 135,000.00 ZZ 360 134,465.12 3 6.625 864.42 65 6.375 864.42 HOLLYWOOD FL 33020 5 01/14/03 00 1914831 05 03/01/03 0 1914831 N 02/01/33 0 8533345 286/286 F 184,500.00 ZZ 360 184,181.39 3 1 6.750 1,196.67 90 6.500 1,196.67 CINCINNATI OH 45212 1 01/14/03 10 1853187 05 03/01/03 25 1853187 N 02/01/33 0 8533351 286/286 F 366,850.00 ZZ 360 366,168.64 1 6.375 2,288.67 74 6.125 2,288.67 COROLLA NC 27927 5 01/28/03 00 1826455 05 03/01/03 0 1826455 N 02/01/33 0 8533353 286/286 F 140,000.00 ZZ 360 139,764.09 1 6.875 919.70 80 6.625 919.70 SCOTTSDALE AZ 85257 2 01/27/03 00 1883315 05 03/01/03 0 1883315 N 02/01/33 0 8533363 286/286 F 120,000.00 ZZ 360 119,787.66 1 6.625 768.37 78 6.375 768.37 ATLANTA GA 30316 5 01/31/03 00 1863927 05 03/01/03 0 1863927 N 02/01/33 0 8533377 286/286 F 115,200.00 ZZ 360 115,100.81 1 6.750 747.19 80 6.500 747.19 EAST POINT GA 30344 5 02/07/03 00 1907799 05 04/01/03 0 1907799 N 03/01/33 0 8533381 286/286 F 203,000.00 ZZ 360 202,613.76 4 6.250 1,249.91 32 6.000 1,249.91 HAYWARD CA 94541 5 01/13/03 00 1932623 05 03/01/03 0 1 1932623 N 02/01/33 0 8533389 286/286 F 240,000.00 ZZ 360 239,543.35 1 6.250 1,477.73 77 6.000 1,477.73 SILVER SPRING MD 20904 5 01/27/03 00 1969797 05 03/01/03 0 1969797 O 02/01/33 0 8533397 286/286 F 94,000.00 ZZ 360 93,807.85 1 5.875 556.05 80 5.625 556.05 HOUSTON TX 77079 1 01/24/03 00 1935409 03 03/01/03 0 1935409 O 02/01/33 0 8533399 286/286 F 134,350.00 ZZ 360 133,889.40 1 6.500 849.19 62 6.250 849.19 FREDERICK MD 21703 2 01/13/03 00 1910836 05 03/01/03 0 1910836 N 02/01/33 0 8533405 286/286 F 55,200.00 ZZ 360 55,106.97 1 6.875 362.63 90 6.625 362.63 COLUMBIA SC 29201 1 01/31/03 10 1958707 01 03/01/03 25 1958707 N 02/01/33 0 8533407 286/286 F 98,700.00 ZZ 360 98,322.42 1 6.250 607.72 70 6.000 607.72 MESA AZ 85203 2 11/19/02 00 1708194 05 01/01/03 0 1708194 N 12/01/32 0 1 8533411 286/286 F 98,000.00 ZZ 360 97,822.32 1 6.500 619.43 56 6.250 619.43 MARIETTA GA 30064 2 01/23/03 00 1880198 05 03/01/03 0 1880198 N 02/01/33 0 8533415 286/286 F 124,000.00 ZZ 360 123,769.69 1 6.375 773.60 69 6.125 773.60 HANOVER PARK IL 60103 2 01/27/03 00 1935269 05 03/01/03 0 1935269 N 02/01/33 0 8533423 286/286 F 80,550.00 ZZ 360 80,407.45 1 6.625 515.78 90 6.375 515.78 VIRGINIA BEACH VA 23462 1 01/30/03 10 1941859 05 03/01/03 25 1941859 N 02/01/33 0 8533453 286/286 F 244,000.00 ZZ 360 243,546.80 1 6.375 1,522.25 69 6.125 1,522.25 BURLINGTON MA 01803 2 01/27/03 00 1873082 05 03/01/03 0 1873082 N 02/01/33 0 8533455 286/286 F 244,800.00 ZZ 360 244,322.91 1 6.125 1,487.44 77 5.875 1,487.44 PONTE VEDRA BEA FL 32082 5 01/24/03 00 1896689 05 03/01/03 0 1896689 O 02/01/33 0 8533459 286/286 F 96,000.00 ZZ 360 95,834.22 1 6.750 622.66 80 6.500 622.66 1 INDIANAPOLIS IN 46220 1 01/24/03 00 1982822 05 03/01/03 0 1982822 N 02/01/33 0 8533461 286/286 F 110,000.00 ZZ 360 109,805.35 2 6.625 704.35 80 6.375 704.35 URBANA IL 61801 2 01/30/03 00 1876597 05 03/01/03 0 1876597 N 02/01/33 0 8533463 286/286 F 116,000.00 ZZ 360 115,794.73 2 6.625 742.77 80 6.375 742.77 URBANA IL 61801 2 01/29/03 00 1876644 05 03/01/03 0 1876644 N 02/01/33 0 8533469 286/286 F 89,200.00 ZZ 360 89,045.97 1 6.750 578.55 80 6.500 578.55 MOORESVILLE NC 28115 1 01/17/03 00 1881846 05 03/01/03 0 1881846 N 02/01/33 0 8533471 286/286 F 99,200.00 ZZ 360 99,024.47 2 6.625 635.19 80 6.375 635.19 URBANA IL 61801 2 01/29/03 00 1876664 05 03/01/03 0 1876664 N 02/01/33 0 8533485 286/286 F 147,000.00 ZZ 360 146,764.18 3 7.125 990.37 70 6.875 990.37 TUCSON AZ 85705 5 02/04/03 00 1875343 05 03/01/03 0 1875343 N 02/01/33 0 1 8533489 286/286 F 28,000.00 ZZ 360 27,897.92 1 6.500 176.98 80 6.250 176.98 BINGHAMTON NY 13901 1 11/15/02 00 1745360 05 01/01/03 0 1745360 N 12/01/32 0 8533491 286/286 F 162,000.00 ZZ 360 161,609.03 3 7.125 1,091.43 90 6.875 1,091.43 NORTH LAUDERDAL FL 33068 1 12/27/02 21 1854256 05 02/01/03 25 1854256 N 01/01/33 0 8533533 286/286 F 183,000.00 ZZ 360 182,727.51 2 7.500 1,279.57 90 7.250 1,279.57 CONYERS GA 30013 2 01/09/03 10 1900829 05 03/01/03 25 1900829 N 02/01/33 0 8533539 286/286 F 155,000.00 ZZ 360 154,712.11 1 6.375 967.00 62 6.125 967.00 TINTON FALLS NJ 07724 5 01/22/03 00 1713500 05 03/01/03 0 1713500 O 02/01/33 0 8533543 286/286 F 90,000.00 ZZ 360 89,836.82 2 6.500 568.86 90 6.250 568.86 SHELTON WA 98584 1 01/23/03 12 1903302 05 03/01/03 25 1903302 N 02/01/33 0 8533553 286/286 F 93,150.00 ZZ 360 92,976.98 4 1 6.375 581.14 90 6.125 581.14 SAN ANTONIO TX 78221 1 01/23/03 11 1947408 05 03/01/03 25 1947408 N 02/01/33 0 8533561 286/286 F 93,600.00 ZZ 360 93,297.89 2 7.125 630.61 80 6.875 630.61 CINCINNATI OH 45219 1 11/14/02 00 1645457 05 01/01/03 0 1645457 N 12/01/32 0 8533573 286/286 F 88,500.00 ZZ 360 88,190.59 1 6.750 574.01 75 6.500 574.01 TAMPA FL 33613 5 11/18/02 00 1788178 05 01/01/03 0 1788178 N 12/01/32 0 8533579 286/286 F 206,400.00 ZZ 360 206,043.58 1 6.750 1,338.71 80 6.500 1,338.71 NAGS HEAD NC 27949 5 01/27/03 00 1928211 05 03/01/03 0 1928211 O 02/01/33 0 8533581 286/286 F 195,000.00 ZZ 360 194,646.47 1 6.500 1,232.54 75 6.250 1,232.54 ROCHESTER MI 48307 5 12/31/02 00 1880564 05 03/01/03 0 1880564 O 02/01/33 0 8533583 286/286 F 136,500.00 ZZ 360 136,227.54 3 6.000 818.39 70 5.750 818.39 BRISTOL CT 06010 5 02/04/03 00 1894752 05 03/01/03 0 1 1894752 N 02/01/33 0 8533587 286/286 F 129,500.00 ZZ 360 129,241.52 3 6.000 776.42 70 5.750 776.42 BRISTOL CT 06010 5 02/04/03 00 1894754 05 03/01/03 0 1894754 N 02/01/33 0 8533591 286/286 F 72,000.00 ZZ 360 71,881.62 1 7.000 479.02 90 6.750 479.02 CINCINNATI OH 45220 1 01/22/03 12 1871353 05 03/01/03 25 1871353 N 02/01/33 0 8533597 286/286 F 95,000.00 ZZ 360 94,916.18 1 6.625 608.30 68 6.375 608.30 NORTHLAKE WI 53064 2 02/13/03 00 1978793 05 04/01/03 0 1978793 N 03/01/33 0 8533607 286/286 F 110,000.00 ZZ 360 109,814.63 1 6.875 722.63 79 6.625 722.63 ST ALBANS VT 05478 2 01/21/03 00 1889030 05 03/01/03 0 1889030 O 02/01/33 0 8533623 286/286 F 103,400.00 ZZ 360 102,916.01 1 6.375 645.08 90 6.125 645.08 WESTERVILLE OH 43081 1 10/30/02 11 1706308 05 12/01/02 25 1706308 N 11/01/32 0 1 8533633 286/286 F 127,500.00 ZZ 360 127,257.41 1 6.250 785.04 80 6.000 785.04 LAND O' LAKES FL 34639 1 01/09/03 00 1912187 05 03/01/03 0 1912187 N 02/01/33 0 8533635 286/286 F 215,000.00 ZZ 360 214,427.78 1 6.625 1,376.67 69 6.375 1,376.67 HUNTLEY IL 60142 5 12/20/02 00 1867511 05 02/01/03 0 1867511 O 01/01/33 0 8533641 286/286 F 56,700.00 ZZ 360 56,613.43 1 7.375 391.62 90 7.125 391.62 KEANSBURG NJ 07734 1 01/16/03 04 1876346 05 03/01/03 25 1876346 N 02/01/33 0 8533643 286/286 F 91,800.00 ZZ 360 91,503.71 1 7.125 618.48 90 6.875 618.48 SARASOTA FL 34233 1 11/15/02 14 1730663 05 01/01/03 25 1730663 N 12/01/32 0 8533645 286/286 F 171,500.00 ZZ 360 171,218.02 3 7.000 1,141.00 70 6.750 1,141.00 MANCHESTER NH 03104 5 01/29/03 00 1879312 05 03/01/03 0 1879312 N 02/01/33 0 8533647 286/286 F 87,000.00 ZZ 360 86,204.68 1 6.125 528.63 58 5.875 528.63 1 MARIETTA GA 30067 2 01/14/03 00 1888654 05 03/01/03 0 1888654 N 02/01/33 0 8533657 286/286 F 30,000.00 ZZ 360 29,903.17 1 7.125 202.12 43 6.875 202.12 CELINA OH 45822 5 11/20/02 00 1754043 05 01/01/03 0 1754043 N 12/01/32 0 8533659 286/286 F 56,850.00 ZZ 360 56,744.40 1 6.375 354.68 76 6.125 354.68 VIRGINIA BEACH VA 23464 2 01/24/03 00 1809241 05 03/01/03 0 1809241 N 02/01/33 0 8533663 286/286 F 90,000.00 ZZ 360 89,635.51 2 6.375 561.49 45 6.125 561.49 ST PAUL MN 55106 5 11/22/02 00 1790380 05 01/01/03 0 1790380 N 12/01/32 0 8533665 286/286 F 375,000.00 ZZ 360 374,303.49 1 6.375 2,339.52 59 6.125 2,339.52 SHELTON CT 06484 2 01/13/03 00 1822903 05 03/01/03 0 1822903 O 02/01/33 0 8533669 286/286 F 38,800.00 ZZ 360 38,722.55 1 6.000 232.63 80 5.750 232.63 ALBUQUERQUE NM 87102 1 01/20/03 00 1941795 05 03/01/03 0 1941795 N 02/01/33 0 1 8533675 286/286 F 92,700.00 ZZ 360 92,453.28 1 6.625 593.57 90 6.375 593.57 RICHARDSON TX 75080 1 12/26/02 10 1995246 05 02/01/03 25 1995246 N 01/01/33 0 8533681 286/286 F 93,750.00 ZZ 360 93,370.68 1 7.125 631.61 75 6.875 631.61 SPEEDWAY IN 46224 5 10/30/02 00 1718791 05 12/01/02 0 1718791 N 11/01/32 0 8533683 286/286 F 81,200.00 ZZ 360 81,037.82 1 6.000 486.84 70 5.750 486.84 ORLANDO FL 32809 5 01/31/03 00 1978456 05 03/01/03 0 1978456 N 02/01/33 0 8533687 286/286 F 566,250.00 ZZ 360 565,725.53 1 6.375 3,532.67 75 6.125 3,532.67 CHESAPEAKE VA 23322 5 02/04/03 00 1925116 05 04/01/03 0 1925116 O 03/01/33 0 8533689 286/286 F 92,000.00 ZZ 360 91,359.53 1 6.500 581.51 80 6.250 581.51 COLUMBIA SC 29223 5 11/01/02 00 1720821 05 12/01/02 0 1720821 N 11/01/32 0 8533697 286/286 F 161,700.00 ZZ 360 161,465.18 4 1 7.625 1,144.51 70 7.375 1,144.51 PLAINFIELD NJ 07060 1 01/17/03 00 1876579 05 03/01/03 0 1876579 N 02/01/33 0 8533699 286/286 F 123,100.00 ZZ 360 122,772.37 1 6.625 788.22 80 6.375 788.22 CASA GRANDE AZ 85230 1 12/11/02 00 1858222 05 02/01/03 0 1858222 N 01/01/33 0 8533705 286/286 F 109,550.00 ZZ 360 109,258.44 1 6.625 701.46 80 6.375 701.46 CASA GRANDE AZ 85222 1 12/11/02 00 1858223 05 02/01/03 0 1858223 N 01/01/33 0 8533707 286/286 F 192,300.00 ZZ 360 192,006.44 3 7.375 1,328.17 90 7.125 1,328.17 NEWARK NJ 07108 2 01/14/03 12 234684 05 03/01/03 25 234684 N 02/01/33 0 8533715 286/286 F 116,000.00 ZZ 360 115,741.84 1 6.500 733.20 80 6.250 733.20 BALTIMORE MD 21228 5 01/31/03 00 1944689 05 03/01/03 0 1944689 N 02/01/33 0 8533723 286/286 F 126,000.00 ZZ 360 125,526.53 2 7.500 881.02 90 7.250 881.02 LINDEN NJ 07036 1 10/24/02 12 1672921 05 12/01/02 25 1 1672921 N 11/01/32 0 8533729 286/286 F 148,000.00 ZZ 360 147,704.58 1 6.000 887.34 80 5.750 887.34 COLUMBIA MD 21044 1 01/13/03 00 1903796 05 03/01/03 0 1903796 N 02/01/33 0 8533731 286/286 F 81,750.00 ZZ 360 81,612.25 3 6.875 537.04 90 6.625 537.04 CLAREMONT NH 03743 1 01/31/03 11 1929541 05 03/01/03 25 1929541 N 02/01/33 0 8533733 286/286 F 92,800.00 ZZ 360 92,485.42 1 6.875 609.64 80 6.625 609.64 TUCSON AZ 85730 5 11/11/02 00 1648067 05 01/01/03 0 1648067 N 12/01/32 0 8533735 286/286 F 148,500.00 ZZ 360 148,243.56 4 6.750 963.17 90 6.500 963.17 ATLANTA GA 30314 1 01/31/03 12 1939068 05 03/01/03 25 1939068 N 02/01/33 0 8533745 286/286 F 127,400.00 ZZ 360 127,004.57 4 7.375 879.93 70 7.125 879.93 WASHINGTON DC 20017 5 11/15/02 00 1606816 05 01/01/03 0 1606816 N 12/01/32 0 1 8533751 286/286 F 91,000.00 ZZ 360 90,691.54 2 6.875 597.81 73 6.625 597.81 DAYTON OH 45426 2 11/22/02 00 1686170 05 01/01/03 0 1686170 N 12/01/32 0 8533753 286/286 F 215,000.00 ZZ 360 214,590.92 1 6.250 1,323.80 80 6.000 1,323.80 CLARKSTON MI 48346 5 01/27/03 00 1920312 01 03/01/03 0 1920312 O 02/01/33 0 8533757 286/286 F 99,000.00 ZZ 360 98,664.44 2 6.875 650.36 78 6.625 650.36 DAYTON OH 45426 2 11/22/02 00 1686177 05 01/01/03 0 1686177 N 12/01/32 0 8533759 286/286 F 91,500.00 ZZ 360 91,317.36 1 6.000 548.59 74 5.750 548.59 BLUE SPRINGS MO 64015 5 01/31/03 00 1608128 05 03/01/03 0 1608128 N 02/01/33 0 8533767 286/286 F 123,750.00 ZZ 360 123,556.33 1 7.250 844.20 75 7.000 844.20 COLUMBIA MD 21044 1 01/29/03 00 1977487 05 03/01/03 0 1977487 N 02/01/33 0 8533769 286/286 F 94,000.00 ZZ 360 93,849.21 2 7.125 633.30 68 6.875 633.30 1 CHICAGO IL 60628 2 01/16/03 00 1690073 05 03/01/03 0 1690073 N 02/01/33 0 8533771 286/286 F 63,100.00 ZZ 360 62,988.34 1 6.625 404.04 80 6.375 404.04 HUBER HEIGHTS OH 45424 1 01/31/03 00 1972603 05 03/01/03 0 1972603 N 02/01/33 0 8533777 286/286 F 306,000.00 ZZ 360 305,374.50 1 5.875 1,810.11 90 5.625 1,810.11 WEST ORANGE NJ 07052 5 01/27/03 12 234709 05 03/01/03 25 234709 O 02/01/33 0 8533779 286/286 F 111,200.00 ZZ 360 110,998.40 1 6.500 702.86 80 6.250 702.86 HAMPTON VA 23666 1 01/30/03 00 1975932 05 03/01/03 0 1975932 N 02/01/33 0 8533781 286/286 F 99,200.00 ZZ 360 99,028.70 1 6.750 643.41 79 6.500 643.41 LAKE ORION MI 48362 2 01/27/03 00 1717608 05 03/01/03 0 1717608 N 02/01/33 0 8533783 F89/G02 F 152,500.00 ZZ 360 152,348.19 1 6.000 914.31 67 5.750 914.31 HEMET CA 92545 1 02/26/03 00 0435554274 05 04/01/03 0 28015 O 03/01/33 0 1 8533801 286/286 F 47,920.00 ZZ 360 47,843.13 1 7.125 322.85 80 6.875 322.85 ANDERSON IN 46012 1 01/16/03 00 1859635 05 03/01/03 0 1859635 N 02/01/33 0 8533815 286/286 F 383,000.00 ZZ 360 382,288.63 1 6.375 2,389.43 74 6.125 2,389.43 SCOTTSDALE AZ 85255 5 01/09/03 00 1918649 05 03/01/03 0 1918649 O 02/01/33 0 8533823 286/286 F 125,000.00 ZZ 360 124,789.37 1 6.875 821.16 70 6.625 821.16 PHILADELPHIA PA 19147 5 01/13/03 00 1887842 05 03/01/03 0 1887842 N 02/01/33 0 8533831 286/286 F 120,000.00 ZZ 360 119,612.69 1 7.125 808.47 40 6.875 808.47 WASHINGTON DC 20037 5 11/12/02 00 1450271 01 01/01/03 0 1450271 N 12/01/32 0 8533837 286/286 F 225,000.00 ZZ 360 224,550.90 1 6.000 1,348.99 75 5.750 1,348.99 ROSEMEAD CA 91770 5 01/17/03 00 1935853 05 03/01/03 0 1935853 O 02/01/33 0 8533841 286/286 F 280,000.00 ZZ 360 279,492.37 4 1 6.500 1,769.80 80 6.250 1,769.80 LONG BEACH CA 90806 1 01/07/03 00 1753310 05 03/01/03 0 1753310 O 02/01/33 0 8533843 286/286 F 118,000.00 ZZ 360 117,525.62 1 6.000 707.47 46 5.750 707.47 WESTMINSTER CA 92683 5 11/25/02 00 1658655 01 01/01/03 0 1658655 N 12/01/32 0 8533851 286/286 F 81,000.00 ZZ 360 80,873.23 2 7.250 552.57 90 7.000 552.57 ST LOUIS MO 63118 2 01/24/03 11 1865651 05 03/01/03 25 1865651 N 02/01/33 0 8533853 286/286 F 90,135.00 ZZ 360 89,751.98 1 6.875 592.13 90 6.625 592.13 EASLEY SC 29640 1 11/04/02 12 1733988 05 12/01/02 25 1733988 N 11/01/32 0 8533855 286/286 F 111,150.00 ZZ 360 110,763.95 1 6.750 720.92 70 6.500 720.92 WILMINGTON IL 60481 2 11/19/02 00 1627611 05 01/01/03 0 1627611 N 12/01/32 0 8533859 286/286 F 124,000.00 ZZ 360 123,879.48 2 6.125 753.44 80 5.875 753.44 WILMINGTON NC 28403 2 02/07/03 00 1912737 05 04/01/03 0 1 1912737 N 03/01/33 0 8533861 286/286 F 147,600.00 ZZ 360 147,325.85 1 6.375 920.84 90 6.125 920.84 HUBBARD OR 97032 1 01/10/03 11 1901091 05 03/01/03 25 1901091 N 02/01/33 0 8533869 286/286 F 104,000.00 ZZ 360 103,716.39 1 6.500 657.35 80 6.250 657.35 RUTLEDGE GA 30663 5 12/23/02 00 1914820 05 02/01/03 0 1914820 N 01/01/33 0 8533871 286/286 F 164,000.00 ZZ 360 163,702.66 1 6.500 1,036.60 80 6.250 1,036.60 HARBOR CITY CA 90710 5 01/10/03 00 1746502 01 03/01/03 0 1746502 O 02/01/33 0 8533877 286/286 F 106,500.00 ZZ 360 106,058.38 1 7.000 708.55 90 6.750 708.55 HASTINGS MN 55033 1 10/31/02 14 1708135 05 12/01/02 25 1708135 N 11/01/32 0 8533883 286/286 F 368,000.00 ZZ 360 367,316.49 1 6.375 2,295.85 75 6.125 2,295.85 CASTLE ROCK CO 80104 2 01/10/03 00 1894140 05 03/01/03 0 1894140 O 02/01/33 0 1 8533889 286/286 F 200,000.00 ZZ 360 199,646.10 1 6.625 1,280.63 80 6.375 1,280.63 INDEPENDENCE OH 44131 5 01/22/03 00 1903884 05 03/01/03 0 1903884 N 02/01/33 0 8533893 286/286 F 150,000.00 ZZ 360 149,702.20 2 6.750 972.90 63 6.500 972.90 WEST PATERSON NJ 07424 5 02/03/03 00 1567033 05 04/01/03 0 1567033 N 03/01/33 0 8533899 286/286 F 120,000.00 ZZ 360 119,891.52 1 6.500 758.48 70 6.250 758.48 TUCKER GA 30084 5 02/10/03 00 1934707 05 04/01/03 0 1934707 N 03/01/33 0 8533905 286/286 F 124,000.00 ZZ 360 123,879.48 3 6.125 753.44 69 5.875 753.44 CHICOPEE MA 01020 2 02/07/03 00 1951988 05 04/01/03 0 1951988 N 03/01/33 0 8533911 286/286 F 100,000.00 ZZ 360 90,546.11 1 6.875 656.93 75 6.625 656.93 ORLANDO FL 32806 1 11/18/02 00 1782336 05 01/01/03 0 1782336 N 12/01/32 0 8533913 286/286 F 96,900.00 ZZ 360 96,546.74 1 6.500 612.47 80 6.250 612.47 1 HAMILTON OH 45011 1 11/05/02 00 1689256 05 01/01/03 0 1689256 N 12/01/32 0 8533917 286/286 F 438,000.00 ZZ 360 437,205.94 4 6.500 2,768.46 65 6.250 2,768.46 SAN CLEMENTE CA 92673 5 01/06/03 00 1813940 05 03/01/03 0 1813940 O 02/01/33 0 8533921 286/286 F 117,000.00 ZZ 360 116,541.66 1 6.125 710.90 90 5.875 710.90 CARROLLTON TX 75007 1 11/06/02 12 1747014 05 01/01/03 25 1747014 N 12/01/32 0 8533923 286/286 F 172,000.00 ZZ 360 171,672.73 1 6.250 1,059.04 80 6.000 1,059.04 COLORADO SPRING CO 80906 5 01/09/03 00 1867704 05 03/01/03 0 1867704 O 02/01/33 0 8533925 286/286 F 204,000.00 ZZ 360 203,647.71 1 6.750 1,323.15 85 6.500 1,323.15 MURRIETA CA 92562 5 01/17/03 12 1922964 05 03/01/03 12 1922964 O 02/01/33 0 8533931 286/286 F 130,000.00 ZZ 360 129,746.64 1 6.125 789.90 80 5.875 789.90 VIRGINIA BEACH VA 23456 1 01/31/03 00 1921021 05 03/01/03 0 1921021 N 02/01/33 0 1 8533937 286/286 F 26,900.00 ZZ 360 26,821.36 1 7.625 190.40 93 7.375 190.40 KANKAKEE IL 60901 1 11/15/02 10 1722771 05 01/01/03 30 1722771 N 12/01/32 0 8533941 286/286 F 76,500.00 ZZ 360 76,095.04 1 7.500 534.90 90 7.250 534.90 PHOENIX AZ 85029 1 08/30/02 12 1396201 05 10/01/02 25 1396201 N 09/01/32 0 8533947 286/286 F 380,800.00 ZZ 360 380,109.63 1 6.500 2,406.92 72 6.250 2,406.92 SAN LEANDRO CA 94577 2 01/21/03 00 1907783 05 03/01/03 0 1907783 O 02/01/33 0 8533955 286/286 F 116,400.00 ZZ 360 115,975.63 1 6.500 735.73 71 6.250 735.73 WESTMINSTER CO 80031 2 11/07/02 00 1703666 05 01/01/03 0 1703666 N 12/01/32 0 8533957 286/286 F 132,800.00 ZZ 360 132,570.68 1 6.750 861.34 80 6.500 861.34 HAVERTOWN PA 19083 1 01/24/03 00 1898593 05 03/01/03 0 1898593 O 02/01/33 0 8533961 286/286 F 80,000.00 ZZ 360 79,861.85 1 1 6.750 518.88 80 6.500 518.88 ARCADIA IN 46030 2 01/21/03 00 1923551 05 03/01/03 0 1923551 N 02/01/33 0 8533969 286/286 F 280,000.00 ZZ 360 279,734.32 2 6.250 1,724.01 70 6.000 1,724.01 NORRIDGE IL 60634 5 02/12/03 00 1983542 05 04/01/03 0 1983542 N 03/01/33 0 8533981 286/286 F 109,800.00 ZZ 360 109,614.97 1 6.875 721.31 90 6.625 721.31 FAIRVIEW HEIGHT IL 62208 5 01/21/03 11 1921399 05 03/01/03 25 1921399 O 02/01/33 0 8533983 286/286 F 57,600.00 ZZ 360 57,500.52 1 6.750 373.60 80 6.500 373.60 EDWARDSBURG MI 49112 5 01/17/03 00 1904302 05 03/01/03 0 1904302 N 02/01/33 0 8533989 286/286 F 100,000.00 ZZ 360 99,814.27 1 6.375 623.87 58 6.125 623.87 BRYAN PARK DE 19973 1 01/28/03 00 1946003 05 03/01/03 0 1946003 N 02/01/33 0 8533993 286/286 F 98,000.00 ZZ 360 97,698.92 1 7.375 676.87 73 7.125 676.87 TALLMADGE OH 44278 2 11/13/02 00 1553976 05 01/01/03 0 1 1553976 N 12/01/32 0 8533997 286/286 F 92,000.00 ZZ 360 91,840.82 1 7.000 612.08 80 6.750 612.08 APOPKA FL 32703 1 01/31/03 00 1989777 05 03/01/03 0 1989777 N 02/01/33 0 8533999 286/286 F 62,000.00 ZZ 360 61,857.59 1 7.375 428.22 69 7.125 428.22 ELLETSVILLE IN 47554 5 12/17/02 00 1855208 05 02/01/03 0 1855208 N 01/01/33 0 8534005 286/286 F 260,800.00 ZZ 360 260,371.20 3 7.000 1,735.11 80 6.750 1,735.11 LOS ANGELES CA 90066 2 01/08/03 00 1607053 05 03/01/03 0 1607053 O 02/01/33 0 8534007 286/286 F 85,900.00 ZZ 360 85,748.00 1 6.625 550.03 80 6.375 550.03 FERNLEY NV 89408 1 01/07/03 00 1875743 05 03/01/03 0 1875743 N 02/01/33 0 8534009 286/286 F 25,200.00 ZZ 360 25,102.89 2 7.375 174.06 90 7.125 174.06 INDIANAPOLIS IN 46219 1 10/30/02 12 1637372 05 12/01/02 25 1637372 N 11/01/32 0 1 8534011 286/286 F 91,700.00 ZZ 360 91,537.73 1 6.625 587.17 80 6.375 587.17 FERNLEY NV 89408 1 01/07/03 00 1875746 05 03/01/03 0 1875746 N 02/01/33 0 8534027 286/286 F 115,000.00 ZZ 360 114,791.51 1 6.500 726.88 72 6.250 726.88 PORTLAND OR 97220 5 01/13/03 00 1894289 05 03/01/03 0 1894289 N 02/01/33 0 8534029 286/286 F 121,500.00 ZZ 360 121,279.72 1 6.500 767.97 90 6.250 767.97 GILBERT AZ 85236 1 01/10/03 12 1925777 05 03/01/03 25 1925777 N 02/01/33 0 8534031 286/286 F 104,800.00 ZZ 360 104,590.82 1 6.000 628.33 80 5.750 628.33 HEMET CA 92545 5 01/10/03 00 1580418 05 03/01/03 0 1580418 O 02/01/33 0 8534035 286/286 F 500,000.00 ZZ 360 499,115.28 1 6.625 3,201.56 80 6.375 3,201.56 SAN DIEGO CA 92124 5 01/10/03 00 1880990 05 03/01/03 0 1880990 O 02/01/33 0 8534041 286/286 F 450,000.00 ZZ 360 449,184.18 1 6.500 2,844.31 75 6.250 2,844.31 1 SIMI VALLEY CA 93065 2 01/21/03 00 1927437 05 03/01/03 0 1927437 O 02/01/33 0 8534043 286/286 F 119,000.00 ZZ 360 118,773.57 3 6.250 732.71 70 6.000 732.71 CAMAS WA 98607 5 01/24/03 00 1866971 05 03/01/03 0 1866971 N 02/01/33 0 8534051 286/286 F 79,200.00 ZZ 360 78,897.05 1 6.250 487.65 90 6.000 487.65 ELKHART IN 46516 1 11/18/02 10 1787638 05 01/01/03 30 1787638 N 12/01/32 0 8534099 286/286 F 170,000.00 ZZ 360 169,699.19 1 6.625 1,088.53 73 6.375 1,088.53 LOMPOC CA 93436 5 01/23/03 00 1843339 05 03/01/03 0 1843339 N 02/01/33 0 8534103 286/286 F 72,150.00 ZZ 360 72,015.98 1 6.375 450.13 51 6.125 450.13 CARSON CITY NV 89706 2 01/13/03 00 1886320 05 03/01/03 0 1886320 N 02/01/33 0 8534107 286/286 F 144,000.00 ZZ 360 143,881.96 1 7.000 958.04 80 6.750 958.04 INDIANAPOLIS IN 46250 2 02/03/03 00 1862906 05 04/01/03 0 1862906 N 03/01/33 0 1 8534109 286/286 F 72,200.00 ZZ 360 72,084.17 1 7.125 486.43 95 6.875 486.43 HOUSTON TX 77057 1 01/31/03 10 1383621 01 03/01/03 35 1383621 O 02/01/33 0 8534121 286/286 F 140,000.00 T 360 139,786.28 1 7.375 966.95 80 7.125 966.95 GERMANTOWN MD 20874 1 01/10/03 00 1931835 01 03/01/03 0 1931835 O 02/01/33 0 8534135 286/286 F 114,300.00 ZZ 360 114,077.25 1 6.125 694.50 80 5.875 694.50 NESKOWIN OR 97149 1 01/14/03 00 1940120 05 03/01/03 0 1940120 O 02/01/33 0 8534139 286/286 F 382,500.00 ZZ 360 381,754.55 3 6.125 2,324.12 50 5.875 2,324.12 SAN FRANCISCO CA 94115 5 01/13/03 00 1896919 05 03/01/03 0 1896919 O 02/01/33 0 8534145 286/286 F 649,900.00 ZZ 360 646,626.24 1 7.750 4,655.97 73 7.500 4,655.97 CARMICHAEL CA 95608 5 08/21/02 00 1373632 05 10/01/02 0 1373632 O 09/01/32 0 8534147 286/286 F 89,000.00 ZZ 360 88,917.56 1 1 6.375 555.25 72 6.125 555.25 LAS VEGAS NV 89142 2 02/06/03 00 1984726 05 04/01/03 0 1984726 N 03/01/33 0 8534151 286/286 F 84,000.00 ZZ 360 83,667.08 1 6.500 530.94 80 6.250 530.94 BALTIMORE MD 21230 5 11/15/02 00 1701862 05 01/01/03 0 1701862 N 12/01/32 0 8534153 286/286 F 180,500.00 ZZ 360 180,131.04 1 5.875 1,067.73 54 5.625 1,067.73 METAIRIE LA 70003 2 01/20/03 00 1917584 05 03/01/03 0 1917584 O 02/01/33 0 8534155 286/286 F 76,000.00 ZZ 360 75,729.54 1 6.625 486.64 80 6.375 486.64 ELGIN TX 78621 1 11/08/02 00 1669062 05 01/01/03 0 1669062 N 12/01/32 0 8534163 286/286 F 90,000.00 ZZ 360 89,825.13 1 7.125 606.35 80 6.875 606.35 ST LOUIS MO 63139 5 01/28/03 00 1949960 05 03/01/03 0 1949960 N 02/01/33 0 8534179 286/286 F 99,000.00 ZZ 360 98,837.23 1 7.000 658.65 90 6.750 658.65 SACRAMENTO CA 95824 1 01/29/03 14 1974721 05 03/01/03 25 1 1974721 N 02/01/33 0 8534185 286/286 F 133,600.00 ZZ 360 133,369.29 3 6.750 866.53 80 6.500 866.53 PHILADELPHIA PA 19146 1 01/30/03 00 1937394 05 03/01/03 0 1937394 N 02/01/33 0 8534187 286/286 F 100,000.00 ZZ 360 99,818.71 1 6.500 632.07 77 6.250 632.07 ABERDEEN WA 98520 5 01/09/03 00 1911721 05 03/01/03 0 1911721 O 02/01/33 0 8534189 286/286 F 145,600.00 ZZ 360 144,964.99 1 6.750 944.36 80 6.500 944.36 WASHINGTON DC 20017 1 11/01/02 00 1689740 05 12/01/02 0 1689740 N 11/01/32 0 8534193 286/286 F 320,000.00 ZZ 360 319,446.95 1 6.750 2,075.52 80 6.500 2,075.52 WASHINGTON DC 20007 1 02/04/03 00 1949549 05 03/01/03 0 1949549 N 02/01/33 0 8534195 286/286 F 400,000.00 ZZ 360 399,325.97 1 6.875 2,627.72 68 6.625 2,627.72 ONTARIO OR 97914 2 01/02/03 00 1247068 05 03/01/03 0 1247068 O 02/01/33 0 1 8534197 286/286 F 98,100.00 ZZ 360 97,283.17 1 7.250 669.22 90 7.000 669.22 ASBURY PARK NJ 07712 1 10/29/02 12 1696153 05 12/01/02 25 1696153 N 11/01/32 0 8534199 286/286 F 245,000.00 ZZ 360 244,522.53 1 6.125 1,488.65 63 5.875 1,488.65 OREGON CITY OR 97045 2 01/27/03 00 1903303 05 03/01/03 0 1903303 O 02/01/33 0 8534205 286/286 F 103,950.00 ZZ 360 103,774.84 1 6.875 682.88 90 6.625 682.88 BLUE SPRINGS MO 64014 1 01/27/03 04 1995094 05 03/01/03 25 1995094 N 02/01/33 0 8534213 286/286 F 104,000.00 ZZ 360 103,792.40 4 6.000 623.54 80 5.750 623.54 FRESNO CA 93650 1 01/09/03 00 1892604 05 03/01/03 0 1892604 N 02/01/33 0 8534215 286/286 F 51,200.00 ZZ 360 51,042.71 1 7.375 353.63 80 7.125 353.63 SOUTH BEND IN 46616 1 11/15/02 00 1760795 05 01/01/03 0 1760795 N 12/01/32 0 8534217 286/286 F 76,800.00 ZZ 360 76,590.58 1 6.500 485.43 80 6.250 485.43 1 VIRGINIA BEACH VA 23464 5 12/04/02 00 1697855 05 02/01/03 0 1697855 N 01/01/33 0 8534221 286/286 F 119,970.00 ZZ 360 119,861.55 1 6.500 758.29 90 6.250 758.29 TUCSON AZ 85710 1 02/11/03 11 1977489 05 04/01/03 30 1977489 N 03/01/33 0 8534229 286/286 F 82,000.00 ZZ 360 81,847.69 1 6.375 511.58 69 6.125 511.58 MERCED CA 95340 5 01/24/03 00 1938758 05 03/01/03 0 1938758 N 02/01/33 0 8534231 286/286 F 123,500.00 ZZ 360 123,049.75 1 6.500 780.61 75 6.250 780.61 WOODBRIDGE NJ 07110 5 11/19/02 00 1620992 01 01/01/03 0 1620992 N 12/01/32 0 8534235 286/286 F 310,000.00 ZZ 360 308,869.85 1 6.500 1,959.42 73 6.250 1,959.42 DOVER TOWNSHIP NJ 08753 5 11/19/02 00 1621007 05 01/01/03 0 1621007 N 12/01/32 0 8534237 286/286 F 587,282.00 ZZ 360 586,217.29 1 6.500 3,712.03 79 6.250 3,712.03 PORT ORCHARD WA 98366 2 01/17/03 00 1841190 05 03/01/03 0 1841190 O 02/01/33 0 1 8534239 286/286 F 91,500.00 ZZ 360 91,115.19 3 7.375 631.97 76 7.125 631.97 FT MYERS FL 33916 2 10/31/02 00 1590684 05 12/01/02 0 1590684 N 11/01/32 0 8534243 286/286 F 91,500.00 ZZ 360 91,115.19 3 7.375 631.97 74 7.125 631.97 FT MYERS FL 33916 2 10/31/02 00 1643675 05 12/01/02 0 1643675 N 11/01/32 0 8534249 286/286 F 81,850.00 ZZ 360 81,694.26 1 6.250 503.97 50 6.000 503.97 ATWATER CA 95301 2 01/16/03 00 1850782 05 03/01/03 0 1850782 N 02/01/33 0 8534253 286/286 F 84,000.00 ZZ 360 83,851.35 1 6.625 537.87 80 6.375 537.87 SAVANNAH GA 31406 2 01/10/03 00 1849531 05 03/01/03 0 1849531 N 02/01/33 0 8534257 286/286 F 170,650.00 ZZ 360 170,325.30 1 6.250 1,050.73 67 6.000 1,050.73 MERCED CA 95348 2 01/21/03 00 1905639 05 03/01/03 0 1905639 N 02/01/33 0 8534261 286/286 F 112,500.00 ZZ 360 111,908.69 1 1 6.750 729.68 75 6.500 729.68 LOCKPORT IL 60441 5 11/06/02 00 1654543 05 01/01/03 0 1654543 N 12/01/32 0 8534263 286/286 F 88,000.00 ZZ 360 87,760.05 2 6.500 556.22 80 6.250 556.22 ZACHARY LA 70791 5 12/04/02 00 1994705 05 02/01/03 0 1994705 N 01/01/33 0 8534267 286/286 F 92,000.00 ZZ 360 91,749.14 1 6.500 581.50 80 6.250 581.50 ZACHARY LA 70791 2 12/04/02 00 2000715 05 02/01/03 0 2000715 N 01/01/33 0 8534279 286/286 F 118,200.00 ZZ 360 117,799.37 2 6.875 776.49 74 6.625 776.49 MILWAUKEE WI 53220 2 11/13/02 00 1656097 05 01/01/03 0 1656097 N 12/01/32 0 8534283 286/286 F 312,000.00 ZZ 360 311,499.50 3 7.125 2,102.01 80 6.875 2,102.01 RICHMOND CA 94804 1 01/15/03 00 1918310 05 03/01/03 0 1918310 O 02/01/33 0 8534289 286/286 F 76,500.00 ZZ 360 76,386.10 2 7.500 534.90 90 7.250 534.90 SPOKANE WA 99202 1 01/06/03 10 1677610 05 03/01/03 25 1 1677610 N 02/01/33 0 8534293 286/286 F 86,900.00 ZZ 360 86,670.58 1 6.000 521.01 51 5.750 521.01 NAGS HEAD NC 27959 2 01/30/03 00 1924521 05 03/01/03 0 1924521 N 02/01/33 0 8534297 286/286 F 148,000.00 ZZ 360 147,779.63 4 7.500 1,034.84 90 7.250 1,034.84 SPOKANE WA 99201 1 01/06/03 12 1754729 05 03/01/03 25 1754729 N 02/01/33 0 8534299 286/286 F 100,000.00 ZZ 360 99,909.60 1 6.500 632.07 73 6.250 632.07 LEES SUMMIT MO 64081 5 02/06/03 00 1937014 05 04/01/03 0 1937014 N 03/01/33 0 8534301 286/286 F 76,200.00 ZZ 360 76,061.85 2 6.500 481.64 20 6.250 481.64 ZEPHYR COVE NV 89448 2 01/22/03 00 1532456 05 03/01/03 0 1532456 N 02/01/33 0 8534313 286/286 F 120,600.00 ZZ 360 120,420.42 4 7.500 843.26 90 7.250 843.26 SPOKANE WA 99207 1 01/15/03 10 1767559 05 03/01/03 30 1767559 N 02/01/33 0 1 8534317 286/286 F 81,000.00 ZZ 360 80,768.23 1 6.250 498.73 73 6.000 498.73 RIO RANCHO NM 87124 2 12/20/02 00 2005828 05 02/01/03 0 2005828 N 01/01/33 0 8534319 286/286 F 66,960.00 ZZ 360 66,860.29 2 7.500 468.20 90 7.250 468.20 SPOKANE WA 99202 1 01/06/03 11 1767692 05 03/01/03 25 1767692 N 02/01/33 0 8534323 286/286 F 76,800.00 ZZ 360 76,682.76 1 7.375 530.44 80 7.125 530.44 ANDERSON IN 46017 5 01/17/03 00 1860250 05 03/01/03 0 1860250 N 02/01/33 0 8534331 286/286 F 63,000.00 ZZ 360 62,891.21 1 6.750 408.62 55 6.500 408.62 PEORIA AZ 85382 2 01/15/03 00 1928548 05 03/01/03 0 1928548 N 02/01/33 0 8534333 286/286 F 250,000.00 ZZ 360 249,768.45 4 6.375 1,559.68 66 6.125 1,559.68 HAVERHILL MA 01830 5 02/11/03 00 1920086 05 04/01/03 0 1920086 N 03/01/33 0 8534339 286/286 F 156,000.00 ZZ 360 155,703.19 1 6.250 960.52 64 6.000 960.52 1 ROSEVILLE CA 95678 5 01/14/03 00 1939838 05 03/01/03 0 1939838 O 02/01/33 0 8534343 286/286 F 347,500.00 ZZ 360 346,822.77 1 6.125 2,111.45 64 5.875 2,111.45 HUNTINGTON BEAC CA 92646 2 01/03/03 00 1889114 05 03/01/03 0 1889114 O 02/01/33 0 8534345 286/286 F 499,000.00 ZZ 360 498,095.35 1 6.500 3,154.02 61 6.250 3,154.02 ALBUQUERQUE NM 87122 5 01/30/03 00 1973486 05 03/01/03 0 1973486 O 02/01/33 0 8534353 286/286 F 155,000.00 ZZ 360 154,757.43 1 7.250 1,057.38 69 7.000 1,057.38 NEW LENOX IL 60451 5 01/24/03 00 1951786 05 03/01/03 0 1951786 O 02/01/33 0 8534357 286/286 F 52,000.00 ZZ 360 51,920.60 1 7.375 359.16 80 7.125 359.16 INDIANAPOLIS IN 46218 1 01/23/03 00 1937109 05 03/01/03 0 1937109 N 02/01/33 0 8534359 286/286 F 179,100.00 ZZ 360 178,805.52 1 7.000 1,191.56 90 6.750 1,191.56 SANTA CLARITA CA 91355 1 01/23/03 12 1944669 01 03/01/03 25 1944669 N 02/01/33 0 1 8534363 286/286 F 126,000.00 ZZ 360 125,582.03 1 6.500 796.41 90 6.250 796.41 RICHMOND VA 23220 1 01/29/03 11 1930008 05 03/01/03 30 1930008 N 02/01/33 0 8534367 286/286 F 129,500.00 ZZ 360 129,371.08 1 6.000 776.42 70 5.750 776.42 COLUMBIA MD 21046 2 02/12/03 00 1935872 05 04/01/03 0 1935872 N 03/01/33 0 8534395 286/286 F 52,125.00 ZZ 360 52,045.42 1 7.375 360.02 75 7.125 360.02 MARYSVALE UT 84750 5 01/16/03 00 1816074 05 03/01/03 0 1816074 N 02/01/33 0 8534399 286/286 F 571,500.00 ZZ 360 570,463.92 1 6.500 3,612.27 79 6.250 3,612.27 FOLSOM CA 95630 2 01/29/03 00 1728426 05 03/01/03 0 1728426 O 02/01/33 0 8534405 286/286 F 45,600.00 ZZ 360 45,530.39 1 7.375 314.95 75 7.125 314.95 LIVINGSTON MT 59047 5 01/10/03 00 1799446 05 03/01/03 0 1799446 N 02/01/33 0 8534407 286/286 F 95,000.00 ZZ 360 94,814.84 1 1 6.125 577.24 53 5.875 577.24 FREDERICK MD 21701 5 01/31/03 00 1952682 05 03/01/03 0 1952682 N 02/01/33 0 8534409 286/286 F 56,250.00 ZZ 360 56,159.76 1 7.125 378.97 75 6.875 378.97 LIVINGSTON MT 59047 5 01/10/03 00 1941220 05 03/01/03 0 1941220 N 02/01/33 0 8534415 286/286 F 82,000.00 ZZ 360 81,858.38 2 6.750 531.86 80 6.500 531.86 POTTSTOWN PA 19464 1 01/15/03 00 1906484 05 03/01/03 0 1906484 N 02/01/33 0 8534421 286/286 F 383,000.00 ZZ 360 382,288.63 1 6.375 2,389.43 54 6.125 2,389.43 SAN JOSE CA 95124 2 01/22/03 00 1916439 05 03/01/03 0 1916439 O 02/01/33 0 8534425 286/286 F 399,900.00 ZZ 360 399,120.65 1 6.125 2,429.84 58 5.875 2,429.84 SAN DIEGO CA 92104 1 01/09/03 00 1868623 05 03/01/03 0 1868623 O 02/01/33 0 8534431 286/286 F 90,000.00 ZZ 360 89,844.58 3 6.750 583.74 48 6.500 583.74 PITTSBURGH PA 15217 5 01/24/03 00 1890544 05 03/01/03 0 1 1890544 N 02/01/33 0 8534455 286/286 F 255,000.00 ZZ 360 254,537.69 1 6.500 1,611.78 75 6.250 1,611.78 HOUSTON TX 77009 5 01/16/03 00 1900565 05 03/01/03 0 1900565 N 02/01/33 0 8534467 286/286 F 435,000.00 ZZ 360 434,172.34 1 6.250 2,678.38 56 6.000 2,678.38 SUNNYVALE CA 94087 2 01/23/03 00 1970570 05 03/01/03 0 1970570 O 02/01/33 0 8534471 286/286 F 443,000.00 ZZ 360 441,732.40 1 6.250 2,727.63 60 6.000 2,727.63 SAN DIEGO CA 92109 2 12/20/02 00 1707012 05 02/01/03 0 1707012 O 01/01/33 0 8534481 286/286 F 91,500.00 ZZ 360 91,222.22 1 6.625 585.89 80 6.375 585.89 MIAMI LAKES FL 33014 5 12/18/02 00 1794815 03 02/01/03 0 1794815 N 01/01/33 0 8534487 286/286 F 104,500.00 ZZ 360 104,296.34 1 6.125 634.96 44 5.875 634.96 ARLINGTON VA 22206 2 01/31/03 00 1930267 01 03/01/03 0 1930267 N 02/01/33 0 1 8534493 286/286 F 164,550.00 ZZ 360 164,221.56 1 6.000 986.56 80 5.750 986.56 PRINCE FREDERIC MD 20678 1 01/10/03 00 0001243951 03 03/01/03 0 0001243951 O 02/01/33 0 8534495 286/286 F 115,000.00 ZZ 360 114,529.91 1 6.500 726.88 65 6.250 726.88 ANNAPOLIS MD 21401 2 01/10/03 00 1793728 05 03/01/03 0 1793728 N 02/01/33 0 8534499 286/286 F 119,700.00 ZZ 360 119,323.07 1 7.250 816.57 90 7.000 816.57 FAIRPORT HARBOR OH 44077 5 11/13/02 12 1782992 05 01/01/03 25 1782992 N 12/01/32 0 8534501 286/286 F 150,000.00 ZZ 360 149,721.41 1 6.375 935.80 60 6.125 935.80 VIRGINIA BEACH VA 23451 1 01/30/03 00 0001243659 01 03/01/03 0 0001243659 N 02/01/33 0 8534511 286/286 F 405,000.00 ZZ 360 404,191.62 1 6.000 2,428.18 51 5.750 2,428.18 SAN DIEGO CA 92107 2 01/10/03 00 1888817 05 03/01/03 0 1888817 O 02/01/33 0 8534513 286/286 F 107,200.00 ZZ 360 107,010.30 2 6.625 686.42 80 6.375 686.42 1 URBANA IL 61801 2 01/10/03 00 1876575 05 03/01/03 0 1876575 N 02/01/33 0 8534519 286/286 F 92,800.00 ZZ 360 92,643.61 3 6.875 609.64 80 6.625 609.64 URBANA IL 61801 2 01/30/03 00 1876612 05 03/01/03 0 1876612 N 02/01/33 0 8534527 286/286 F 94,400.00 ZZ 360 94,240.91 2 6.875 620.15 80 6.625 620.15 URBANA IL 61801 2 01/30/03 00 1876622 05 03/01/03 0 1876622 N 02/01/33 0 8534541 286/286 F 138,500.00 ZZ 360 138,236.48 4 6.250 852.77 56 6.000 852.77 CORAL SPRINGS FL 33063 2 01/16/03 00 1860788 05 03/01/03 0 1860788 N 02/01/33 0 8534547 286/286 F 109,000.00 ZZ 360 108,797.55 1 6.375 680.02 88 6.125 680.02 MARION IN 46953 2 01/10/03 11 1893642 05 03/01/03 25 1893642 O 02/01/33 0 8534553 286/286 F 500,000.00 ZZ 360 499,001.99 2 6.000 2,997.76 79 5.750 2,997.76 LOS ANGELES CA 90036 1 01/28/03 00 1979313 05 03/01/03 0 1979313 O 02/01/33 0 1 8534555 286/286 F 105,000.00 ZZ 360 104,713.70 1 6.500 663.67 73 6.250 663.67 MANASSAS VA 20109 2 12/23/02 00 1806294 05 02/01/03 0 1806294 N 01/01/33 0 8534573 286/286 F 116,688.00 ZZ 360 116,377.44 1 6.625 747.17 80 6.375 747.17 BUFORD GA 30019 1 12/31/02 00 1899617 05 02/01/03 0 1899617 N 01/01/33 0 8534577 286/286 F 84,000.00 ZZ 360 83,836.30 1 6.125 510.39 80 5.875 510.39 KENNESAW GA 30152 1 02/03/03 00 1927285 05 03/01/03 0 1927285 N 02/01/33 0 8534579 286/286 F 455,000.00 ZZ 360 453,789.01 3 6.625 2,913.42 62 6.375 2,913.42 OAKLAND CA 94610 2 12/10/02 00 1797655 05 02/01/03 0 1797655 N 01/01/33 0 8534581 286/286 F 307,200.00 ZZ 360 306,629.43 1 6.375 1,916.53 80 6.125 1,916.53 GRESHAM OR 97080 1 01/02/03 00 1906386 05 03/01/03 0 1906386 O 02/01/33 0 8534583 286/286 F 213,000.00 ZZ 360 212,613.84 1 1 6.500 1,346.31 79 6.250 1,346.31 RANCHO CUCAMONG CA 91701 2 01/08/03 00 1914510 05 03/01/03 0 1914510 O 02/01/33 0 8534585 286/286 F 116,500.00 ZZ 360 116,272.96 1 6.125 707.87 70 5.875 707.87 ARVADA CO 80003 2 02/05/03 00 1970301 03 03/01/03 0 1970301 N 02/01/33 0 8534587 286/286 F 92,300.00 ZZ 360 92,120.13 1 6.125 560.82 61 5.875 560.82 ARAVADA CO 80003 2 02/05/03 00 1970313 03 03/01/03 0 1970313 N 02/01/33 0 8534591 286/286 F 52,000.00 ZZ 360 51,920.60 1 7.375 359.16 80 7.125 359.16 INDIANAPOLIS IN 46218 2 01/21/03 00 1908051 05 03/01/03 0 1908051 N 02/01/33 0 8534593 286/286 F 78,000.00 ZZ 360 77,922.35 2 6.000 467.65 65 5.750 467.65 NORFOLK VA 23518 2 02/13/03 00 1980096 05 04/01/03 0 1980096 N 03/01/33 0 8534603 286/286 F 113,500.00 ZZ 360 113,105.81 4 6.750 736.16 18 6.500 736.16 WASHINGTON DC 20036 2 11/21/02 00 1708219 05 01/01/03 0 1 1708219 N 12/01/32 0 8534607 286/286 F 94,050.00 ZZ 360 93,861.64 1 6.500 594.47 90 6.250 594.47 BROWN SUMMIT NC 27214 1 01/31/03 10 1942429 05 03/01/03 25 1942429 N 02/01/33 0 8534609 286/286 F 126,700.00 ZZ 360 126,062.97 1 6.000 759.64 40 5.750 759.64 ST SIMONS ISLAN GA 31522 2 11/04/02 00 1664430 01 12/01/02 0 1664430 N 11/01/32 0 8534613 286/286 F 89,200.00 ZZ 360 88,762.06 1 6.125 541.99 57 5.875 541.99 MARIETTA GA 30066 2 11/04/02 00 1664510 05 12/01/02 0 1664510 N 11/01/32 0 8534615 286/286 F 92,000.00 ZZ 360 91,664.57 4 6.500 581.51 48 6.250 581.51 MESA AZ 85201 5 11/12/02 00 1458450 05 01/01/03 0 1458450 N 12/01/32 0 8534627 286/286 F 81,500.00 ZZ 360 81,314.37 1 6.250 501.81 58 6.000 501.81 MANASSAS VA 20111 5 01/29/03 00 1419567 03 03/01/03 0 1419567 N 02/01/33 0 1 8534635 286/286 F 84,875.00 ZZ 360 84,572.95 1 6.625 543.47 74 6.375 543.47 CARPENTERSVILLE IL 60110 2 11/05/02 00 1627033 05 01/01/03 0 1627033 N 12/01/32 0 8534649 286/286 F 89,000.00 ZZ 360 88,857.23 1 7.125 599.61 87 6.875 599.61 HIALEAH FL 33010 1 01/03/03 12 1915678 01 03/01/03 25 1915678 N 02/01/33 0 8534651 286/286 F 96,000.00 ZZ 360 95,641.48 1 6.375 598.92 80 6.125 598.92 TUCSON AZ 85742 5 11/19/02 00 1681131 05 01/01/03 0 1681131 N 12/01/32 0 8534653 286/286 F 130,000.00 ZZ 360 129,882.48 2 6.500 821.69 80 6.250 821.69 BARNEVELD WI 53507 1 02/13/03 00 2031479 05 04/01/03 0 2031479 N 03/01/33 0 8534659 286/286 F 90,000.00 ZZ 360 89,671.87 2 6.500 568.87 72 6.250 568.87 AMELIA OH 45102 2 11/07/02 00 1671822 05 01/01/03 0 1671822 N 12/01/32 0 8534665 286/286 F 125,000.00 ZZ 360 124,794.48 1 7.000 831.63 28 6.750 831.63 1 HAIKU HI 96708 5 01/03/03 00 1932412 05 03/01/03 0 1932412 N 02/01/33 0 8534675 286/286 F 80,000.00 ZZ 360 79,840.30 1 6.000 479.65 78 5.750 479.65 MACON GA 31201 2 01/29/03 00 1918209 05 03/01/03 0 1918209 N 02/01/33 0 8534677 286/286 F 80,000.00 ZZ 360 79,840.30 1 6.000 479.65 80 5.750 479.65 MACON GA 31201 2 01/29/03 00 1918226 05 03/01/03 0 1918226 N 02/01/33 0 8534679 286/286 F 80,000.00 ZZ 360 79,840.30 1 6.000 479.65 80 5.750 479.65 MACON GA 31201 2 01/29/03 00 1918235 05 03/01/03 0 1918235 N 02/01/33 0 8534681 286/286 F 93,000.00 ZZ 360 92,827.26 3 6.375 580.20 74 6.125 580.20 PHOENIX AZ 85305 2 01/30/03 00 1973074 05 03/01/03 0 1973074 N 02/01/33 0 8534693 286/286 F 91,000.00 ZZ 360 90,915.71 2 6.375 567.73 70 6.125 567.73 DULUTH MN 55808 5 02/10/03 00 1926955 05 04/01/03 0 1926955 N 03/01/33 0 1 8534701 286/286 F 120,600.00 ZZ 360 120,238.59 1 7.500 843.26 90 7.250 843.26 CORDOVA TN 38016 1 11/04/02 14 1680053 05 01/01/03 25 1680053 N 12/01/32 0 8534709 286/286 F 105,000.00 ZZ 360 104,814.21 2 6.625 672.33 67 6.375 672.33 ARNOLD MD 21012 2 01/29/03 00 1940355 05 03/01/03 0 1940355 N 02/01/33 0 8534711 286/286 F 100,000.00 ZZ 360 99,823.04 1 6.625 640.32 80 6.375 640.32 VIRGINIA BEACH VA 23454 1 02/05/03 00 1976808 01 03/01/03 0 1976808 N 02/01/33 0 8534721 286/286 F 240,000.00 ZZ 360 239,564.90 1 6.500 1,516.96 63 6.250 1,516.96 OLNY MD 20832 5 01/17/03 00 1710745 05 03/01/03 0 1710745 N 02/01/33 0 8534725 286/286 F 77,000.00 ZZ 360 76,860.41 1 6.500 486.69 44 6.250 486.69 GAITHERSBURG MD 20879 2 01/17/03 00 1819211 05 03/01/03 0 1819211 N 02/01/33 0 8534727 286/286 F 85,000.00 ZZ 360 84,845.90 1 1 6.500 537.26 30 6.250 537.26 OLNEY MD 20832 2 01/17/03 00 1917769 05 03/01/03 0 1917769 N 02/01/33 0 8534735 286/286 F 147,750.00 ZZ 360 147,122.17 2 6.875 970.62 80 6.625 970.62 GARLAND TX 75043 2 10/29/02 00 1641723 05 12/01/02 0 1641723 N 11/01/32 0 8534737 286/286 F 147,750.00 ZZ 360 147,122.17 2 6.875 970.62 79 6.625 970.62 GARLAND TX 75043 2 10/29/02 00 1641805 05 12/01/02 0 1641805 N 11/01/32 0 8534745 286/286 F 80,640.00 ZZ 360 80,346.03 1 6.500 509.70 80 6.250 509.70 ATHENS GA 30605 2 11/08/02 00 1625347 01 01/01/03 0 1625347 N 12/01/32 0 8534751 286/286 F 88,500.00 ZZ 360 88,354.48 4 7.000 588.80 56 6.750 588.80 DAYTON OH 45419 2 01/27/03 00 1875940 05 03/01/03 0 1875940 N 02/01/33 0 8534753 286/286 F 117,000.00 ZZ 360 116,816.90 2 7.250 798.15 90 7.000 798.15 ST LOUIS MO 63116 1 01/03/03 11 1885678 05 03/01/03 25 1 1885678 N 02/01/33 0 8534761 286/286 F 22,400.00 ZZ 360 22,382.08 1 7.125 150.92 80 6.875 150.92 DAYTON OH 45419 1 02/11/03 00 1968448 01 04/01/03 0 1968448 N 03/01/33 0 8534763 286/286 F 115,500.00 ZZ 360 115,274.89 3 6.125 701.80 77 5.875 701.80 REDFORD MI 48240 2 01/24/03 00 1833534 05 03/01/03 0 1833534 N 02/01/33 0 8534765 286/286 F 116,150.00 ZZ 360 116,049.99 1 6.750 753.35 75 6.500 753.35 STEVENSVILLE MD 21666 1 02/12/03 00 1968103 05 04/01/03 0 1968103 N 03/01/33 0 8534775 286/286 F 113,600.00 ZZ 360 113,389.00 1 6.375 708.72 80 6.125 708.72 LAWRENCEVILLE GA 30043 2 01/23/03 00 1903378 05 03/01/03 0 1903378 N 02/01/33 0 8534779 286/286 F 101,700.00 ZZ 360 101,179.24 2 6.750 659.62 90 6.500 659.62 TUCSON AZ 85716 1 10/28/02 12 1679973 05 12/01/02 25 1679973 N 11/01/32 0 1 8534791 286/286 F 110,000.00 ZZ 360 109,594.38 3 6.500 695.27 71 6.250 695.27 TAMPA FL 33602 1 01/17/03 00 1964989 05 03/01/03 0 1964989 N 02/01/33 0 8534793 286/286 F 105,000.00 ZZ 360 104,809.65 3 6.500 663.67 68 6.250 663.67 HILLSBOROUGH FL 33602 1 01/17/03 00 1964993 05 03/01/03 0 1964993 N 02/01/33 0 8534795 286/286 F 100,100.00 ZZ 360 100,019.94 1 7.125 674.40 56 6.875 674.40 MONTGOMERY TX 77356 5 02/07/03 00 2012178 05 04/01/03 0 2012178 N 03/01/33 0 8534797 286/286 F 97,000.00 ZZ 360 96,905.12 3 6.125 589.39 68 5.875 589.39 MILFORD OH 45150 2 02/10/03 00 1987050 05 04/01/03 0 1987050 N 03/01/33 0 8534799 286/286 F 140,000.00 ZZ 360 139,477.17 1 6.375 873.42 43 6.125 873.42 PORT SAINT JOE FL 32456 5 11/08/02 00 1621904 05 01/01/03 0 1621904 N 12/01/32 0 8534801 286/286 F 125,100.00 ZZ 360 124,904.21 1 7.250 853.41 90 7.000 853.41 1 ALBUQUERQUE NM 87109 1 01/15/03 21 1947621 05 03/01/03 25 1947621 N 02/01/33 0 8534803 286/286 F 145,700.00 ZZ 360 145,034.22 1 6.500 920.93 90 6.250 920.93 CHANDLER AZ 85249 1 10/17/02 12 1309089 05 12/01/02 25 1309089 N 11/01/32 0 8534805 286/286 F 91,900.00 ZZ 360 91,531.28 1 6.000 550.99 72 5.750 550.99 JASPER GA 30143 2 11/15/02 00 1532095 05 01/01/03 0 1532095 N 12/01/32 0 8534809 286/286 F 94,800.00 ZZ 360 94,350.73 2 7.250 646.71 80 7.000 646.71 CHERRY VALLEY IL 61016 2 01/03/03 00 1814900 05 03/01/03 0 1814900 N 02/01/33 0 8534811 286/286 F 114,000.00 ZZ 360 113,584.40 1 6.500 720.56 80 6.250 720.56 TEMPE AZ 85283 1 11/13/02 00 1759970 05 01/01/03 0 1759970 N 12/01/32 0 8534815 286/286 F 89,000.00 ZZ 360 88,181.12 1 7.000 592.12 56 6.750 592.12 TROY MI 48084 2 11/14/02 00 1619944 05 01/01/03 0 1619944 N 12/01/32 0 1 8534817 286/286 F 462,000.00 ZZ 360 461,202.20 4 6.750 2,996.53 70 6.500 2,996.53 MOUNT VERNON NY 10550 5 01/10/03 00 1918885 05 03/01/03 0 1918885 N 02/01/33 0 8534825 286/286 F 77,000.00 ZZ 360 76,856.98 1 6.375 480.38 66 6.125 480.38 TUCSON AZ 85742 1 01/21/03 00 1962699 05 03/01/03 0 1962699 N 02/01/33 0 8534827 286/286 F 81,000.00 ZZ 360 80,737.92 1 7.375 559.45 90 7.125 559.45 DAYTON OH 45402 1 11/15/02 10 1671050 05 01/01/03 25 1671050 N 12/01/32 0 8534865 286/286 F 97,500.00 ZZ 360 97,054.48 1 6.500 616.27 75 6.250 616.27 KANSAS CITY MO 64118 5 11/05/02 00 1648687 05 12/01/02 0 1648687 N 11/01/32 0 8534871 286/286 F 93,000.00 ZZ 360 92,668.41 1 6.875 610.95 77 6.625 610.95 ASHEVILLE NC 28806 5 11/11/02 00 1687640 05 01/01/03 0 1687640 N 12/01/32 0 8534881 286/286 F 89,950.00 ZZ 360 89,424.21 1 1 7.000 598.44 90 6.750 598.44 SALISBURY MD 21804 1 11/22/02 12 1713461 05 01/01/03 25 1713461 N 12/01/32 0 8534887 286/286 F 99,000.00 ZZ 360 98,820.52 1 6.500 625.75 65 6.250 625.75 LAUREL MD 20707 2 01/24/03 00 1887769 03 03/01/03 0 1887769 N 02/01/33 0 8534889 286/286 F 124,000.00 ZZ 360 123,558.73 1 6.625 793.99 78 6.375 793.99 EASTLAKE OH 44095 2 11/13/02 00 1671507 05 01/01/03 0 1671507 N 12/01/32 0 8534895 286/286 F 91,900.00 ZZ 360 91,737.38 1 6.625 588.45 80 6.375 588.45 ROSELLE PARK NJ 07204 1 01/23/03 00 1905787 01 03/01/03 0 1905787 N 02/01/33 0 8534897 286/286 F 126,000.00 ZZ 360 125,247.63 1 6.125 765.59 63 5.875 765.59 OCEAN CITY MD 21842 2 11/26/02 00 1614716 01 01/01/03 0 1614716 N 12/01/32 0 8534901 286/286 F 101,200.00 ZZ 360 100,998.00 1 6.000 606.75 80 5.750 606.75 GALLOWAY OH 43119 1 01/31/03 00 1768598 05 03/01/03 0 1 1768598 N 02/01/33 0 8534917 286/286 F 130,500.00 ZZ 360 130,000.78 1 6.250 803.52 90 6.000 803.52 MUNSTER IN 46321 1 11/05/02 21 1674327 05 01/01/03 25 1674327 N 12/01/32 0 8534931 286/286 F 118,400.00 ZZ 360 117,938.49 1 6.750 767.94 80 6.500 767.94 GLENDALE AZ 85308 1 11/18/02 00 1784760 05 01/01/03 0 1784760 N 12/01/32 0 8534943 286/286 F 124,000.00 ZZ 360 123,547.98 1 6.500 783.76 80 6.250 783.76 AUSTIN TX 78749 1 11/06/02 00 1737842 05 01/01/03 0 1737842 N 12/01/32 0 8534945 286/286 F 94,500.00 ZZ 360 94,412.47 2 6.375 589.56 70 6.125 589.56 ST FRANCIS WI 55434 5 02/12/03 00 1999068 05 04/01/03 0 1999068 N 03/01/33 0 8534947 286/286 F 225,000.00 ZZ 360 224,571.89 2 6.250 1,385.37 50 6.000 1,385.37 ATLANTA GA 30306 5 01/17/03 00 1918379 05 03/01/03 0 1918379 N 02/01/33 0 1 8534951 286/286 F 53,600.00 ZZ 360 53,558.18 1 7.250 365.65 80 7.000 365.65 ROCHESTER NY 14612 5 02/13/03 00 1991167 05 04/01/03 0 1991167 N 03/01/33 0 8534953 286/286 F 88,000.00 ZZ 360 87,782.32 1 7.000 585.47 64 6.750 585.47 RICHMOND VA 23229 1 12/27/02 00 1850198 05 02/01/03 0 1850198 N 01/01/33 0 8534963 286/286 F 102,510.00 ZZ 360 102,127.17 1 6.375 639.53 90 6.125 639.53 MARIETTA GA 30066 1 11/06/02 12 1749422 05 01/01/03 25 1749422 N 12/01/32 0 8534971 286/286 F 80,000.00 ZZ 360 79,616.49 1 6.250 492.58 80 6.000 492.58 VILLA RICA GA 30180 5 10/30/02 00 1725175 05 12/01/02 0 1725175 N 11/01/32 0 8534973 286/286 F 78,750.00 ZZ 360 78,462.89 2 6.500 497.76 75 6.250 497.76 MADRAS OR 97741 5 11/11/02 00 1754062 05 01/01/03 0 1754062 N 12/01/32 0 8534977 286/286 F 104,000.00 ZZ 360 103,891.19 2 6.375 648.82 79 6.125 648.82 1 DOUGLASVILLE GA 30134 2 02/06/03 00 1937215 05 04/01/03 0 1937215 N 03/01/33 0 8534981 286/286 F 80,000.00 ZZ 360 79,693.96 1 6.250 492.58 80 6.000 492.58 AUBURN GA 30011 1 11/08/02 00 1782961 05 01/01/03 0 1782961 N 12/01/32 0 8534983 286/286 F 95,000.00 ZZ 360 94,913.79 1 6.500 600.46 80 6.250 600.46 MOORESVILLE IN 46158 5 02/11/03 00 1958183 03 04/01/03 0 1958183 N 03/01/33 0 8534987 286/286 F 97,500.00 ZZ 360 97,073.67 3 6.750 632.39 70 6.500 632.39 WOONSOCKET RI 02895 2 10/29/02 00 1642227 05 12/01/02 0 1642227 N 11/01/32 0 8534991 286/286 F 134,000.00 ZZ 360 133,762.89 2 6.625 858.02 22 6.375 858.02 BELMONT MA 02478 2 01/03/03 00 1918284 05 03/01/03 0 1918284 N 02/01/33 0 8534995 286/286 F 123,700.00 ZZ 360 123,464.63 1 6.250 761.65 75 6.000 761.65 COLORADO SPRING CO 80907 5 01/06/03 00 1890395 05 03/01/03 0 1890395 N 02/01/33 0 1 8534999 286/286 F 80,000.00 ZZ 360 79,845.40 1 6.500 505.66 54 6.250 505.66 SALT LAKE CITY UT 84102 2 01/03/03 00 1931715 01 03/01/03 0 1931715 N 02/01/33 0 8535011 286/286 F 55,200.00 ZZ 360 55,109.24 1 7.000 367.25 80 6.750 367.25 INDIANAPOLIS IN 46203 2 01/29/03 00 1909864 05 03/01/03 0 1909864 N 02/01/33 0 8535025 286/286 F 90,000.00 ZZ 360 89,848.34 1 6.875 591.24 90 6.625 591.24 BALTIMORE MD 21286 1 01/31/03 11 0001243050 05 03/01/03 25 0001243050 N 02/01/33 0 8535031 286/286 F 90,450.00 ZZ 360 90,289.94 2 6.625 579.17 66 6.375 579.17 CLOVIS CA 93001 2 02/06/03 00 1895688 05 03/01/03 0 1895688 N 02/01/33 0 8535035 286/286 F 109,300.00 ZZ 360 109,086.99 1 6.125 664.12 70 5.875 664.12 PERRIS CA 92571 1 01/07/03 00 1912234 05 03/01/03 0 1912234 N 02/01/33 0 8535041 286/286 F 126,350.00 ZZ 360 126,115.32 4 1 6.375 788.26 62 6.125 788.26 BALTIMORE MD 21218 2 01/24/03 00 0001243439 05 03/01/03 0 0001243439 N 02/01/33 0 8535055 286/286 F 80,000.00 ZZ 360 79,844.09 1 6.125 486.09 44 5.875 486.09 CHARLESTOWN RI 02813 2 02/03/03 00 1995604 05 03/01/03 0 1995604 N 02/01/33 0 8535059 286/286 F 132,800.00 ZZ 360 132,685.66 1 6.750 861.34 80 6.500 861.34 WEST VALLEY CIT UT 84128 1 02/05/03 00 1979867 05 04/01/03 0 1979867 N 03/01/33 0 8535061 286/286 F 125,600.00 ZZ 360 125,491.86 1 6.750 814.64 80 6.500 814.64 SALT LAKE CITY UT 84118 1 02/05/03 00 2003292 05 04/01/03 0 2003292 N 03/01/33 0 8535067 286/286 F 146,300.00 ZZ 360 146,164.49 4 6.375 912.73 70 6.125 912.73 YAKIMA WA 98908 5 02/19/03 00 2009096 05 04/01/03 0 2009096 N 03/01/33 0 8535069 286/286 F 126,000.00 ZZ 360 125,748.49 1 6.000 755.44 90 5.750 755.44 DALLAS TX 75218 1 02/03/03 10 1971590 05 03/01/03 30 1 1971590 N 02/01/33 0 8535073 286/286 F 136,500.00 ZZ 360 136,269.98 1 6.875 896.71 65 6.625 896.71 ARNOLD MD 21401 2 01/08/03 00 0001244807 05 03/01/03 0 0001244807 N 02/01/33 0 8535085 286/286 F 28,800.00 ZZ 360 28,777.53 1 7.250 196.47 90 7.000 196.47 PHILADELPHIA PA 19145 1 02/24/03 11 1849125 05 04/01/03 25 1849125 N 03/01/33 0 8535087 286/286 F 122,400.00 ZZ 360 122,208.44 1 7.250 834.99 90 7.000 834.99 MIAMI FL 33127 1 01/30/03 10 1862301 05 03/01/03 25 1862301 N 02/01/33 0 8535093 286/286 F 225,000.00 ZZ 360 224,796.59 1 6.500 1,422.16 50 6.250 1,422.16 SAN BRUNO CA 94066 5 02/14/03 00 1984798 05 04/01/03 0 1984798 N 03/01/33 0 8535097 286/286 F 96,000.00 ZZ 360 95,915.30 1 6.625 614.70 80 6.375 614.70 DALLAS TX 75249 1 02/14/03 00 2009926 05 04/01/03 0 2009926 N 03/01/33 0 1 8535099 286/286 F 174,000.00 ZZ 360 173,684.55 1 6.500 1,099.80 60 6.250 1,099.80 MORAGA CA 94556 5 01/24/03 00 1885300 01 03/01/03 0 1885300 N 02/01/33 0 8535107 286/286 F 110,000.00 ZZ 360 109,800.56 1 6.500 695.28 63 6.250 695.28 RIVERBANK CA 95367 5 01/31/03 00 1972577 05 03/01/03 0 1972577 N 02/01/33 0 8535123 286/286 F 206,500.00 ZZ 360 206,308.73 4 6.375 1,288.30 70 6.125 1,288.30 BAKERSFIELD CA 93306 5 02/05/03 00 1794056 05 04/01/03 0 1794056 N 03/01/33 0 8535127 286/286 F 252,000.00 ZZ 360 251,766.59 1 6.375 1,572.16 42 6.125 1,572.16 LIVERMORE CA 94550 2 02/05/03 00 1986865 05 04/01/03 0 1986865 N 03/01/33 0 8535129 286/286 F 91,500.00 ZZ 360 91,334.11 1 6.500 578.35 49 6.250 578.35 RENO NV 89523 2 01/27/03 00 1934039 05 03/01/03 0 1934039 N 02/01/33 0 8535131 286/286 F 103,000.00 ZZ 360 102,909.12 1 6.625 659.53 47 6.375 659.53 1 VISTA CA 92083 5 02/11/03 00 1950906 01 04/01/03 0 1950906 N 03/01/33 0 8535139 286/286 F 130,400.00 ZZ 360 130,145.86 1 6.125 792.33 80 5.875 792.33 ANACORTES WA 98221 1 01/31/03 00 1902811 05 03/01/03 0 1902811 N 02/01/33 0 8535155 286/286 F 259,000.00 ZZ 360 258,760.11 1 6.375 1,615.83 61 6.125 1,615.83 SAN JOSE CA 95133 5 02/13/03 00 2019450 05 04/01/03 0 2019450 N 03/01/33 0 8535159 286/286 F 346,300.00 ZZ 360 346,001.84 3 6.750 2,246.10 54 6.500 2,246.10 SAN DIEGO CA 92107 2 02/12/03 00 1998579 05 04/01/03 0 1998579 N 03/01/33 0 8535171 286/286 F 81,000.00 ZZ 360 80,853.14 1 6.500 511.98 90 6.250 511.98 RENO NV 89506 1 01/24/03 21 1945121 05 03/01/03 25 1945121 N 02/01/33 0 8535173 286/286 F 251,250.00 ZZ 360 251,022.86 1 6.500 1,588.08 75 6.250 1,588.08 LIVERMORE CA 94551 5 02/13/03 00 2020499 05 04/01/03 0 2020499 N 03/01/33 0 1 8535177 286/286 F 255,960.00 ZZ 360 255,449.11 4 6.000 1,534.61 80 5.750 1,534.61 AUBURN WA 98002 1 02/10/03 00 1991070 05 03/01/03 0 1991070 N 02/01/33 0 8535187 286/286 F 322,700.00 ZZ 360 322,393.81 1 6.250 1,986.92 64 6.000 1,986.92 OAKLAND CA 94602 5 02/13/03 00 2039643 05 04/01/03 0 2039643 N 03/01/33 0 8535193 286/286 F 149,600.00 ZZ 360 149,464.75 1 6.500 945.58 80 6.250 945.58 CITRUS HEIGHTS CA 95621 1 02/06/03 00 1968874 05 04/01/03 0 1968874 N 03/01/33 0 8535195 286/286 F 88,500.00 ZZ 360 88,331.62 1 6.250 544.91 69 6.000 544.91 ALBUQUERQUE NM 87110 5 01/31/03 00 1986274 05 03/01/03 0 1986274 N 02/01/33 0 8535199 286/286 F 84,000.00 ZZ 360 83,858.44 1 6.875 551.83 80 6.625 551.83 NORTH BRUNSWICK NJ 08902 1 02/03/03 00 1907918 01 03/01/03 0 1907918 N 02/01/33 0 8535205 286/286 F 120,000.00 ZZ 360 119,792.78 1 1 6.750 778.32 71 6.500 778.32 PLANO TX 75024 2 01/16/03 00 1900599 05 03/01/03 0 1900599 N 02/01/33 0 8535207 286/286 F 107,600.00 ZZ 360 107,500.34 1 6.375 671.29 60 6.125 671.29 FLAGSTAFF AZ 86001 2 02/17/03 00 1934121 05 04/01/03 0 1934121 N 03/01/33 0 8535221 286/286 F 125,000.00 ZZ 360 124,881.39 1 6.250 769.65 53 6.000 769.65 MOORPARK CA 93021 5 02/07/03 00 1948633 05 04/01/03 0 1948633 N 03/01/33 0 8535223 286/286 F 155,000.00 ZZ 360 154,869.78 4 6.875 1,018.24 69 6.625 1,018.24 PARADISE CA 95969 2 02/03/03 00 1932494 05 04/01/03 0 1932494 N 03/01/33 0 8535225 286/286 F 77,300.00 ZZ 360 77,231.79 1 6.625 494.97 75 6.375 494.97 BEAUMONT CA 92223 1 02/04/03 00 1974103 05 04/01/03 0 1974103 N 03/01/33 0 8535229 286/286 F 30,000.00 ZZ 360 29,953.04 1 7.250 204.66 75 7.000 204.66 FORT WAYNE IN 46806 2 01/28/03 00 1890063 05 03/01/03 0 1 1890063 N 02/01/33 0 8535247 286/286 F 322,700.00 ZZ 360 322,408.27 1 6.500 2,039.69 59 6.250 2,039.69 PLEASANTON CA 94566 5 02/05/03 00 2006452 05 04/01/03 0 2006452 N 03/01/33 0 8535253 286/286 F 175,000.00 ZZ 360 174,841.80 1 6.500 1,106.12 70 6.250 1,106.12 LOS ANGELES CA 90016 5 01/30/03 00 1967398 05 04/01/03 0 1967398 N 03/01/33 0 8535255 286/286 F 117,000.00 ZZ 360 116,886.28 1 6.125 710.91 90 5.875 710.91 GILBERT AZ 85234 1 02/03/03 21 1899202 05 04/01/03 25 1899202 N 03/01/33 0 8535259 286/286 F 83,200.00 ZZ 360 83,121.05 1 6.250 512.28 80 6.000 512.28 SAN ANTONIO TX 78212 1 02/18/03 00 1993997 05 04/01/03 0 1993997 N 03/01/33 0 8535267 286/286 F 81,900.00 ZZ 360 81,832.86 2 7.000 544.89 90 6.750 544.89 HARTFORD CT 06120 1 02/06/03 14 1900340 05 04/01/03 30 1900340 N 03/01/33 0 1 8535273 286/286 F 143,631.00 ZZ 360 143,370.60 2 6.500 907.85 60 6.250 907.85 PUYALLUP WA 98374 2 02/05/03 00 1920940 05 03/01/03 0 1920940 N 02/01/33 0 8535275 286/286 F 143,631.00 ZZ 360 143,370.60 2 6.500 907.85 55 6.250 907.85 PUYALLUP WA 98372 2 02/05/03 00 1920942 05 03/01/03 0 1920942 N 02/01/33 0 8535283 286/286 F 200,000.00 ZZ 360 199,637.40 4 6.500 1,264.14 68 6.250 1,264.14 MONTE RIO CA 95462 5 01/23/03 00 1935583 05 03/01/03 0 1935583 N 02/01/33 0 8535285 286/286 F 105,600.00 ZZ 360 105,422.05 1 6.875 693.72 80 6.625 693.72 ANNANDALE VA 22003 1 01/31/03 00 0001243202 01 03/01/03 0 0001243202 N 02/01/33 0 8535291 286/286 F 243,000.00 ZZ 360 242,780.32 1 6.500 1,535.93 69 6.250 1,535.93 ROCKVILLE MD 20850 5 02/04/03 00 0001244263 05 04/01/03 0 0001244263 N 03/01/33 0 8535295 286/286 F 273,000.00 ZZ 360 272,753.20 1 6.500 1,725.55 52 6.250 1,725.55 1 SAN JOSE CA 95128 5 02/12/03 00 1985995 05 04/01/03 0 1985995 N 03/01/33 0 8535297 286/286 F 76,000.00 ZZ 360 75,865.51 1 6.625 486.64 80 6.375 486.64 GARLAND TX 75040 1 01/30/03 00 1982056 05 04/01/03 0 1982056 N 03/01/33 0 8535303 286/286 F 145,600.00 ZZ 360 145,468.37 1 6.500 920.30 80 6.250 920.30 GRESHAM OR 97080 1 02/20/03 00 2012566 05 04/01/03 0 2012566 N 03/01/33 0 8535307 286/286 F 130,000.00 ZZ 360 129,609.79 1 6.000 779.42 59 5.750 779.42 SACRAMENTO CA 95829 1 12/23/02 00 1831853 05 02/01/03 0 1831853 N 01/01/33 0 8535309 286/286 F 200,000.00 ZZ 360 199,810.23 1 6.250 1,231.44 66 6.000 1,231.44 RANCHO CUCAMONG CA 91730 5 02/07/03 00 2005071 05 04/01/03 0 2005071 N 03/01/33 0 8535315 286/286 F 99,000.00 ZZ 360 98,906.05 1 6.250 609.57 90 6.000 609.57 DENTON TX 76209 1 02/14/03 10 1989843 05 04/01/03 30 1989843 N 03/01/33 0 1 8535317 286/286 F 148,600.00 ZZ 360 148,361.62 1 7.125 1,001.15 90 6.875 1,001.15 SPARKS NV 89436 1 01/15/03 12 811064 03 03/01/03 25 811064 N 02/01/33 0 8535333 286/286 F 147,500.00 ZZ 360 147,366.65 1 6.500 932.31 75 6.250 932.31 ONTARIO CA 91762 2 01/28/03 00 1933930 05 04/01/03 0 1933930 N 03/01/33 0 8535343 286/286 F 85,400.00 ZZ 360 85,328.25 1 6.875 561.02 90 6.625 561.02 LANCASTER CA 93534 1 01/31/03 10 2004668 05 04/01/03 25 2004668 N 03/01/33 0 8535345 286/286 F 147,550.00 ZZ 360 147,416.61 1 6.500 932.62 90 6.250 932.62 SPARKS NV 89436 1 02/18/03 12 1584676 05 04/01/03 25 1584676 N 03/01/33 0 8535347 286/286 F 110,000.00 ZZ 360 109,700.03 1 6.500 695.28 76 6.250 695.28 FRISCO TX 75035 5 01/03/03 00 1857196 05 02/01/03 0 1857196 N 01/01/33 0 8535507 K15/G02 F 161,900.00 ZZ 360 161,900.00 1 1 5.875 957.70 62 5.625 957.70 SEABROOK NH 03874 2 03/10/03 00 0435538178 05 05/01/03 0 033305511700 O 04/01/33 0 8535621 624/G02 F 355,000.00 ZZ 360 353,934.49 1 6.000 2,128.40 51 5.750 2,128.40 SANTA MARIA CA 93455 4 12/10/02 00 0435555677 05 02/01/03 0 1000015426 O 01/01/33 0 8535743 X19/G02 F 550,000.00 ZZ 360 550,000.00 1 6.500 3,476.37 73 6.250 3,476.37 OSSINING NY 10562 5 03/13/03 00 0435552096 05 05/01/03 0 23011503 O 04/01/33 0 8535981 420/G02 F 374,200.00 ZZ 360 373,844.95 1 6.250 2,304.01 76 6.000 2,304.01 SANTA ROSA CA 95409 2 02/10/03 00 0435518915 05 04/01/03 0 72005096 O 03/01/33 0 8536093 Y10/G02 F 141,000.00 ZZ 360 141,000.00 1 6.875 926.27 68 6.625 926.27 LAGUNA BEACH CA 92651 5 03/05/03 00 0435507306 01 05/01/03 0 1853613 O 04/01/33 0 8536587 E82/G02 F 80,600.00 ZZ 360 80,600.00 1 6.125 489.73 69 5.875 489.73 NORTHVILLE MI 48167 2 03/14/03 00 0400785952 01 05/01/03 0 1 0400785952 O 04/01/33 0 8536593 E82/G02 F 110,700.00 ZZ 360 110,700.00 1 6.125 672.62 72 5.875 672.62 SEVERN MD 21144 2 03/14/03 00 0400785994 05 05/01/03 0 0400785994 O 04/01/33 0 8536607 E82/G02 F 121,600.00 ZZ 360 121,600.00 1 6.125 738.85 73 5.875 738.85 APPLE VALLEY CA 92307 2 03/12/03 00 0400801015 05 05/01/03 0 0400801015 O 04/01/33 0 8536609 E82/G02 F 116,800.00 ZZ 360 116,800.00 1 6.125 709.69 83 5.875 709.69 PORTLAND OR 97233 2 03/14/03 10 0400790333 05 05/01/03 12 0400790333 O 04/01/33 0 8536637 E82/G02 F 164,000.00 ZZ 360 164,000.00 1 6.250 1,009.78 80 6.000 1,009.78 MIAMI FL 33182 2 03/14/03 00 0400783106 05 05/01/03 0 0400783106 O 04/01/33 0 8537127 U05/G02 F 202,000.00 ZZ 360 202,000.00 3 6.250 1,243.75 61 6.000 1,243.75 SAN DIEGO CA 92113 1 03/03/03 00 0435555974 05 05/01/03 0 3308511 O 04/01/33 0 1 8537233 E22/G02 F 87,675.00 ZZ 360 87,675.00 1 6.750 568.66 95 6.500 568.66 SPRING TX 77373 2 03/10/03 01 0415696962 03 05/01/03 30 0415696962 O 04/01/33 0 8537261 E22/G02 F 76,000.00 ZZ 360 76,000.00 1 6.125 461.78 80 5.875 461.78 HOUSTON TX 77082 5 03/11/03 00 0416153781 03 05/01/03 0 0416153781 O 04/01/33 0 8537309 E22/G02 F 140,000.00 ZZ 360 140,000.00 1 6.500 884.90 80 6.250 884.90 MANSFIELD TX 76063 5 03/13/03 00 0416186435 05 05/01/03 0 0416186435 O 04/01/33 0 8537343 E22/G02 F 184,000.00 ZZ 360 184,000.00 1 6.250 1,132.92 80 6.000 1,132.92 HENDERSON NV 89015 5 03/10/03 00 0416304038 05 05/01/03 0 0416304038 O 04/01/33 0 8537503 E22/G02 F 240,000.00 ZZ 360 240,000.00 1 6.000 1,438.92 80 5.750 1,438.92 FORT WORTH TX 76020 4 03/17/03 00 0416092617 03 05/01/03 0 0416092617 O 04/01/33 0 8537535 E22/G02 F 204,500.00 ZZ 360 204,500.00 2 6.250 1,259.14 52 6.000 1,259.14 1 OAK PARK IL 60304 2 03/11/03 00 0416131449 05 05/01/03 0 0416131449 O 04/01/33 0 8537575 E22/G02 F 255,000.00 ZZ 360 255,000.00 1 6.125 1,549.41 42 5.875 1,549.41 GLEN ELLEN CA 95442 2 02/27/03 00 0416250827 05 05/01/03 0 0416250827 O 04/01/33 0 8537587 E22/G02 F 72,800.00 ZZ 360 72,800.00 1 6.250 448.24 80 6.000 448.24 BELTON MO 64012 2 03/14/03 00 0416263911 09 05/01/03 0 0416263911 N 04/01/33 0 8537589 E22/G02 F 72,800.00 ZZ 360 72,800.00 1 6.250 448.24 80 6.000 448.24 BELTON MO 64012 2 03/14/03 00 0416263945 09 05/01/03 0 0416263945 N 04/01/33 0 8537619 E22/G02 F 280,000.00 ZZ 360 280,000.00 1 6.000 1,678.74 41 5.750 1,678.74 OAKLAND CA 94602 5 03/10/03 00 0416398147 05 05/01/03 0 0416398147 O 04/01/33 0 8537623 E22/G02 F 140,400.00 ZZ 360 140,400.00 1 6.125 853.09 90 5.875 853.09 ST. LOUIS PARK MN 55426 1 03/17/03 11 0416402071 05 05/01/03 25 0416402071 N 04/01/33 0 1 8537629 E22/G02 F 112,000.00 ZZ 360 112,000.00 1 6.500 707.92 79 6.250 707.92 NEW BRUNSWICK NJ 08901 2 03/12/03 00 0416408367 01 05/01/03 0 0416408367 O 04/01/33 0 8537677 E22/G02 F 161,231.00 ZZ 240 161,231.00 1 6.250 1,178.48 94 6.000 1,178.48 GARDEN CITY MI 48135 5 03/12/03 10 0415986421 05 05/01/03 30 0415986421 O 04/01/23 0 8537683 E22/G02 F 242,000.00 ZZ 360 242,000.00 1 6.375 1,509.77 63 6.125 1,509.77 SAINT LOUIS MO 63119 2 03/12/03 00 0415998483 05 05/01/03 0 0415998483 O 04/01/33 0 8537697 E22/G02 F 108,000.00 ZZ 360 108,000.00 1 6.125 656.22 80 5.875 656.22 EUGENE OR 97404 5 03/11/03 00 0416027944 05 05/01/03 0 0416027944 O 04/01/33 0 8537721 E22/G02 F 145,800.00 ZZ 360 145,800.00 1 6.875 957.80 90 6.625 957.80 KENNEWICK WA 99337 5 03/06/03 04 0416203073 05 05/01/03 25 0416203073 O 04/01/33 0 8537733 E22/G02 F 184,000.00 ZZ 360 184,000.00 1 1 6.125 1,118.00 80 5.875 1,118.00 PROSPECT HEIGHT IL 60070 1 03/17/03 00 0416214658 05 05/01/03 0 0416214658 O 04/01/33 0 8537735 E22/G02 F 213,675.00 ZZ 360 213,675.00 4 6.875 1,403.69 75 6.625 1,403.69 COMSTOCK PARK MI 49321 1 03/17/03 00 0416215028 05 05/01/03 0 0416215028 N 04/01/33 0 8537745 E22/G02 F 196,000.00 ZZ 360 196,000.00 3 6.125 1,190.92 37 5.875 1,190.92 CHICAGO IL 60659 2 03/12/03 00 0416223675 05 05/01/03 0 0416223675 O 04/01/33 0 8537759 E22/G02 F 500,000.00 ZZ 360 500,000.00 1 5.875 2,957.69 63 5.625 2,957.69 LONGMONT CO 80503 2 03/12/03 00 0416225969 05 05/01/03 0 0416225969 O 04/01/33 0 8537765 E22/G02 F 164,000.00 ZZ 360 164,000.00 1 5.875 970.12 80 5.625 970.12 DENVER CO 80231 1 03/12/03 00 0413668341 05 05/01/03 0 0416338341 O 04/01/33 0 8537771 E22/G02 F 66,400.00 ZZ 360 66,400.00 1 6.500 419.69 80 6.250 419.69 SACRAMENTO CA 95842 1 03/12/03 00 0416341212 01 05/01/03 0 1 0416341212 N 04/01/33 0 8537781 E22/G02 F 128,800.00 ZZ 360 128,800.00 2 6.375 803.54 90 6.125 803.54 FRESNO CA 93703 1 03/10/03 04 0416354116 05 05/01/03 25 5016354116 N 04/01/33 0 8537813 E22/G02 F 103,120.00 ZZ 360 103,120.00 2 6.000 618.26 80 5.750 618.26 KALAMAZOO MI 49004 1 03/17/03 00 0416375657 05 05/01/03 0 0416375657 N 04/01/33 0 8537909 G52/G02 F 58,100.00 ZZ 360 57,925.91 1 7.500 406.24 70 7.250 406.24 AIEA HI 96701 1 11/18/02 00 0435570502 06 01/01/03 0 9205003275 N 12/01/32 0 8538017 F61/G02 F 181,000.00 ZZ 360 181,000.00 1 6.375 1,129.20 55 6.125 1,129.20 SEATTLE WA 98107 2 03/06/03 00 0435557145 05 05/01/03 0 030242B N 04/01/33 0 8538105 U35/G02 F 115,000.00 ZZ 360 115,000.00 1 6.500 726.88 100 6.250 726.88 FOND DU LAC WI 54935 1 03/17/03 12 0435534979 05 05/01/03 35 0007717661 O 04/01/33 0 1 8538221 R80/G02 F 194,400.00 ZZ 360 194,400.00 4 6.625 1,244.76 80 6.375 1,244.76 MESA AZ 85203 1 03/13/03 00 0435562731 05 05/01/03 0 30519 N 04/01/33 0 8538357 A35/G02 F 120,000.00 ZZ 360 120,000.00 1 6.000 719.46 54 5.750 719.46 FREEPORT NY 11520 5 03/12/03 00 0435553292 01 05/01/03 0 1 O 04/01/33 0 8538381 A21/G02 F 155,000.00 ZZ 360 154,863.24 2 6.625 992.49 73 6.375 992.49 PASSAIC NJ 07055 5 02/28/03 00 0435553490 05 04/01/03 0 7770000533 O 03/01/33 0 8538455 F89/G02 F 484,000.00 ZZ 360 484,000.00 1 6.250 2,980.07 80 6.000 2,980.07 LA VERNE CA 91750 1 03/01/03 00 0435576848 05 05/01/03 0 19027939 O 04/01/33 0 8538503 K60/G02 F 288,000.00 ZZ 360 288,000.00 1 5.750 1,680.69 80 5.500 1,680.69 MIAMI FL 33133 1 03/13/03 00 0435556030 05 05/01/03 0 0001050123 O 04/01/33 0 8538585 588/G02 F 146,700.00 ZZ 360 146,564.12 1 6.375 915.22 90 6.125 915.22 1 EVESHAM TOWNSHI NJ 08053 1 02/28/03 01 0435541602 03 04/01/03 25 1086518 O 03/01/33 0 8538611 168/168 F 340,000.00 ZZ 360 340,000.00 1 6.750 2,205.23 80 6.500 2,205.23 WHITESTONE NY 11357 5 03/06/03 00 0319648001 05 05/01/03 0 0319648001 O 04/01/33 0 8538823 X81/G02 F 135,000.00 ZZ 360 135,000.00 1 6.250 831.22 73 6.000 831.22 RICHFIELD MN 55423 5 03/14/03 00 0435536024 05 05/01/03 0 953085 O 04/01/33 0 8538893 M24/G02 F 308,000.00 ZZ 360 308,000.00 1 6.250 1,896.41 80 6.000 1,896.41 SANTA ANA CA 92706 1 03/07/03 00 0435525712 05 05/01/03 0 288-107921 O 04/01/33 0 8538897 K60/G02 F 200,000.00 ZZ 360 200,000.00 1 6.250 1,231.43 80 6.000 1,231.43 BETHLEHAM PA 18015 5 03/07/03 00 0435556055 05 05/01/03 0 0001049699 O 04/01/33 0 8539017 U87/G02 F 519,000.00 ZZ 360 519,000.00 1 6.125 3,153.50 73 5.875 3,153.50 SANTA ANA CA 92706 2 03/12/03 00 0435555073 05 05/01/03 0 5220 O 04/01/33 0 1 8539469 E22/G02 F 128,850.00 ZZ 360 128,850.00 1 6.250 793.35 68 6.000 793.35 WEST PALM BEACH FL 33411 1 03/18/03 00 0415921535 09 05/01/03 0 0415921535 O 04/01/33 0 8539471 E82/G02 F 152,500.00 ZZ 360 152,500.00 1 7.250 1,040.32 55 7.000 1,040.32 AUSTIN TX 78703 2 03/19/03 00 0400755575 05 05/01/03 0 0400755575 N 04/01/33 0 8539497 E22/G02 F 128,000.00 ZZ 360 128,000.00 1 6.625 819.60 95 6.375 819.60 EAST HAVEN CT 06512 1 03/18/03 04 0416020808 05 05/01/03 30 0416020808 O 04/01/33 0 8539505 E22/G02 F 109,000.00 ZZ 360 109,000.00 3 6.750 706.97 66 6.500 706.97 SALT LAKE CITY UT 84105 2 02/28/03 00 0416056976 05 05/01/03 0 0416056976 N 04/01/33 0 8539511 E22/G02 F 94,350.00 ZZ 360 94,350.00 1 6.500 596.36 85 6.250 596.36 JACKSONVILLE FL 32244 2 03/05/03 04 0416057305 03 05/01/03 20 0416057305 N 04/01/33 0 8539517 E22/G02 F 187,150.00 ZZ 360 187,150.00 1 1 6.375 1,167.57 95 6.125 1,167.57 MERIDIAN ID 83642 2 03/12/03 04 0416098002 03 05/01/03 30 0416098002 O 04/01/33 0 8539521 E22/G02 F 72,000.00 ZZ 360 72,000.00 2 7.125 485.08 90 6.875 485.08 MISHAWAKA IN 46545 1 03/18/03 04 0416100006 05 05/01/03 25 0416100006 N 04/01/33 0 8539523 E22/G02 F 216,000.00 ZZ 360 216,000.00 1 6.375 1,347.56 91 6.125 1,347.56 GLENDALE HEIGHT IL 60139 2 03/13/03 04 0416106730 05 05/01/03 30 0416106730 O 04/01/33 0 8539527 E22/G02 F 117,000.00 ZZ 360 117,000.00 1 6.125 710.90 78 5.875 710.90 SANTA FE TX 77517 5 03/13/03 00 0416115897 05 05/01/03 0 0416115897 O 04/01/33 0 8539597 E22/G02 F 135,450.00 ZZ 360 135,450.00 1 6.625 867.30 90 6.375 867.30 JOHNSBURG IL 60050 1 03/18/03 04 0416221463 05 05/01/03 25 0416221463 N 04/01/33 0 8539607 E22/G02 F 224,000.00 ZZ 360 224,000.00 1 6.750 1,452.86 80 6.500 1,452.86 BELLEVUE WA 98005 5 03/11/03 00 0416230001 01 05/01/03 0 1 0416230001 O 04/01/33 0 8539621 E22/G02 F 98,000.00 ZZ 360 98,000.00 1 6.125 595.46 80 5.875 595.46 CHESTERFIELD VA 23832 5 03/13/03 00 0416260321 05 05/01/03 0 0416260321 O 04/01/33 0 8539631 E22/G02 F 288,000.00 ZZ 360 288,000.00 1 7.000 1,916.07 80 6.750 1,916.07 DALLAS TX 75205 5 03/13/03 00 0416271872 07 05/01/03 0 0416271872 O 04/01/33 0 8539691 E22/G02 F 153,600.00 ZZ 360 153,600.00 1 6.125 933.29 80 5.875 933.29 ARLINGTON TX 76011 5 03/13/03 00 0416300754 05 05/01/03 0 0416300754 O 04/01/33 0 8539717 E22/G02 F 76,950.00 ZZ 360 76,950.00 1 6.375 480.07 90 6.125 480.07 GNADENHUTTEN OH 44629 1 03/18/03 01 0416328839 05 05/01/03 25 0416328839 N 04/01/33 0 8539719 E22/G02 F 212,000.00 ZZ 360 212,000.00 1 5.875 1,254.06 59 5.625 1,254.06 RICHMOND CA 94803 5 03/10/03 00 0416329886 03 05/01/03 0 0416329886 O 04/01/33 0 1 8539755 E22/G02 F 214,500.00 ZZ 360 214,500.00 1 6.125 1,303.32 65 5.875 1,303.32 LOUISVILLE KY 40245 2 03/13/03 00 0416359107 05 05/01/03 0 0416359107 O 04/01/33 0 8539781 E22/G02 F 114,000.00 ZZ 360 114,000.00 1 6.500 720.56 78 6.250 720.56 LOWER TOWNSHIP NJ 08204 5 03/13/03 00 0416399715 05 05/01/03 0 0416399715 O 04/01/33 0 8539793 E22/G02 F 76,500.00 ZZ 360 76,500.00 1 7.625 541.46 90 7.375 541.46 OGDEN UT 84401 1 03/10/03 04 0416410330 05 05/01/03 30 0416410330 O 04/01/33 0 8540215 A06/G02 F 225,000.00 ZZ 360 225,000.00 1 6.500 1,422.16 67 6.250 1,422.16 BIRMINGHAM MI 48009 5 03/13/03 00 0435553029 05 05/01/03 0 1000010300418 N 04/01/33 0 8540361 S11/G02 F 400,000.00 ZZ 360 400,000.00 1 6.125 2,430.44 80 5.875 2,430.44 BURBANK CA 91504 5 03/05/03 00 0435553250 05 05/01/03 0 10210936 O 04/01/33 0 8540571 408/G02 F 88,000.00 ZZ 360 87,922.35 2 6.625 563.48 80 6.375 563.48 1 INDEPENDENCE MO 64056 1 02/27/03 00 0435555594 05 04/01/03 0 703033569 N 03/01/33 0 8540577 408/G02 F 88,000.00 ZZ 360 87,922.35 2 6.625 563.48 80 6.375 563.48 INDEPENDENCE MO 64056 1 02/27/03 00 0435555115 05 04/01/03 0 703033557 N 03/01/33 0 8540813 M27/G02 F 183,200.00 ZZ 360 183,200.00 1 6.000 1,098.38 80 5.750 1,098.38 RALEIGH NC 27615 1 03/17/03 00 0435590989 05 05/01/03 0 600894837 O 04/01/33 0 8540971 168/168 F 433,000.00 ZZ 360 433,000.00 1 6.750 2,808.43 75 6.500 2,808.43 STERLING VA 20164 2 03/04/03 00 0319707008 03 05/01/03 0 0319707008 O 04/01/33 0 8541153 N74/G02 F 99,777.00 ZZ 360 99,680.02 1 6.125 606.26 80 5.875 606.26 FORT WORTH TX 76137 2 03/14/03 00 0435573944 05 04/19/03 0 0031956010 O 03/19/33 0 8541187 W02/G02 F 558,000.00 ZZ 360 558,000.00 1 6.125 3,390.47 77 5.875 3,390.47 ORLANDO FL 32832 5 03/10/03 00 0435571062 05 05/01/03 0 1001796193 O 04/01/33 0 1 8541257 W58/G02 F 435,000.00 ZZ 360 435,000.00 1 6.125 2,643.11 75 5.875 2,643.11 WOODLAND HILLS CA 91364 5 03/13/03 00 0435559356 05 05/01/03 0 LW00478 O 04/01/33 0 8541337 A06/G02 F 62,400.00 ZZ 360 62,400.00 1 6.500 394.42 80 6.250 394.42 DETROIT MI 48228 2 03/14/03 00 0435553045 05 05/01/03 0 1000010300578 N 04/01/33 0 8541459 S27/G02 F 554,100.00 ZZ 360 554,100.00 1 6.625 3,547.97 71 6.375 3,547.97 BOWIE MD 20716 2 02/26/03 00 0435552302 05 05/01/03 0 1540000013 O 04/01/33 0 8541463 X82/G02 F 439,400.00 ZZ 360 439,400.00 1 6.625 2,813.53 80 6.375 2,813.53 GAINESVILLE VA 20155 1 03/12/03 00 0435552542 03 05/01/03 0 849983 O 04/01/33 0 8541493 F61/G02 F 187,200.00 ZZ 360 187,200.00 1 6.250 1,152.62 80 6.000 1,152.62 TACOMA WA 98403 2 03/12/03 00 0435553987 05 05/01/03 0 030059L O 04/01/33 0 8541501 N47/G02 F 258,000.00 ZZ 360 258,000.00 1 1 6.125 1,567.64 65 5.875 1,567.64 SAN JOSE CA 95116 5 03/10/03 00 0435577937 05 05/01/03 0 20503209 O 04/01/33 0 8541533 M66/G02 F 164,600.00 ZZ 360 164,443.81 2 6.250 1,013.48 90 6.000 1,013.48 LEMOYNE PA 17043 1 02/28/03 12 0435542261 05 04/01/03 25 1004000422 O 03/01/33 0 8541811 U05/G02 F 114,950.00 ZZ 360 114,950.00 1 6.375 717.14 95 6.125 717.14 TUCSON AZ 85746 2 03/01/03 10 0435553540 03 05/01/03 30 3318963 O 04/01/33 0 8541891 U05/G02 F 172,000.00 ZZ 360 171,848.24 1 6.625 1,101.34 56 6.375 1,101.34 BERKELEY CA 94702 5 02/25/03 00 0435548003 05 04/01/03 0 3308419 O 03/01/33 0 8542013 T09/G02 F 213,750.00 ZZ 360 213,547.18 1 6.250 1,316.10 90 6.000 1,316.10 RESEDA CA 91335 1 02/24/03 01 0435542147 01 04/01/03 25 2003000411 O 03/01/33 0 8542285 E82/G02 F 86,700.00 ZZ 360 86,700.00 1 6.375 540.90 70 6.125 540.90 OKLAHOMA CITY OK 73162 2 03/19/03 00 0400793782 05 05/01/03 0 1 0400793782 N 04/01/33 0 8542325 E82/G02 F 120,800.00 ZZ 360 120,800.00 1 6.500 763.54 68 6.250 763.54 SIMI VALLEY CA 93065 2 03/14/03 00 0400798591 05 05/01/03 0 0400798591 O 04/01/33 0 8542645 E22/G02 F 67,450.00 ZZ 360 67,450.00 1 6.375 420.80 95 6.125 420.80 WILMER AL 36587 5 03/14/03 10 0416408714 05 05/01/03 30 0416408714 O 04/01/33 0 8542667 E22/G02 F 108,000.00 ZZ 360 108,000.00 1 6.375 673.78 90 6.125 673.78 SACRAMENTO CA 95820 1 03/13/03 04 0416427490 05 05/01/03 25 0416427490 N 04/01/33 0 8542687 E22/G02 F 104,000.00 ZZ 360 104,000.00 4 6.875 683.21 80 6.625 683.21 MADRAS OR 97741 1 03/10/03 00 0416047553 05 05/01/03 0 0416047553 N 04/01/33 0 8542689 E22/G02 F 104,000.00 ZZ 360 104,000.00 4 6.875 683.21 80 6.625 683.21 MADRAS OR 97741 1 03/10/03 00 0416057925 05 05/01/03 0 0416057925 N 04/01/33 0 1 8542691 E22/G02 F 104,000.00 ZZ 360 104,000.00 4 6.875 683.21 80 6.625 683.21 MADRAS OR 97741 1 03/10/03 00 0416058303 05 05/01/03 0 0416058303 N 04/01/33 0 8542707 E22/G02 F 108,050.00 ZZ 360 108,050.00 1 6.125 656.52 65 5.875 656.52 PFLUGERVILLE TX 78660 2 03/14/03 00 0416094100 05 05/01/03 0 0416094100 O 04/01/33 0 8542717 E22/G02 F 92,000.00 ZZ 360 92,000.00 2 6.875 604.37 70 6.625 604.37 PATERSON NJ 07501 5 03/19/03 00 0416105914 05 05/01/03 0 0416105914 N 04/01/33 0 8542745 E22/G02 F 98,900.00 ZZ 360 98,900.00 1 6.250 608.94 80 6.000 608.94 OZARK MO 65721 1 03/11/03 00 0416172096 05 05/01/03 0 0416172096 O 04/01/33 0 8542765 E22/G02 F 225,000.00 ZZ 360 225,000.00 1 6.750 1,459.35 90 6.500 1,459.35 BAY SHORE NY 11706 5 03/14/03 04 0416197705 05 05/01/03 25 0416197705 O 04/01/33 0 8542773 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.750 1,297.20 80 6.500 1,297.20 1 DALLAS TX 75220 5 03/14/03 00 0416211050 05 05/01/03 0 0416211050 O 04/01/33 0 8542777 E22/G02 F 161,600.00 ZZ 360 161,600.00 1 5.875 955.93 80 5.625 955.93 NORWICH CT 06360 5 03/14/03 00 0416212587 05 05/01/03 0 0416212587 O 04/01/33 0 8542797 E22/G02 F 123,750.00 ZZ 360 123,750.00 1 6.125 751.92 80 5.875 751.92 HOUSTON TX 77064 2 03/13/03 00 0416228732 03 05/01/03 0 0416228732 O 04/01/33 0 8542803 E22/G02 F 66,750.00 ZZ 360 66,750.00 1 7.125 449.71 75 6.875 449.71 BON WIER TX 75928 1 03/19/03 00 0416242543 05 05/01/03 0 0416242543 O 04/01/33 0 8542827 E22/G02 F 392,000.00 ZZ 360 392,000.00 1 6.375 2,445.57 70 6.125 2,445.57 HUNTINGTON BEAC CA 92647 5 02/27/03 00 0416259653 05 05/01/03 0 0416259653 O 04/01/33 0 8542829 E22/G02 F 118,000.00 ZZ 360 118,000.00 1 6.875 775.18 90 6.625 775.18 LOUISVILLE KY 40216 5 03/14/03 01 0416262947 05 05/01/03 25 0416262947 O 04/01/33 0 1 8542845 E22/G02 F 92,000.00 ZZ 360 92,000.00 1 6.000 551.59 80 5.750 551.59 TUCSON AZ 85736 1 03/06/03 00 0416279578 05 05/01/03 0 0416279578 O 04/01/33 0 8542911 E22/G02 F 45,850.00 ZZ 360 45,850.00 1 7.250 312.78 70 7.000 312.78 TAMPA FL 33618 1 03/19/03 00 0418542911 01 05/01/03 0 0416457133 N 04/01/33 0 8542913 E22/G02 F 137,600.00 ZZ 360 137,600.00 1 6.000 824.98 80 5.750 824.98 GARLAND TX 75042 1 03/19/03 00 0416457273 03 05/01/03 0 0416457273 O 04/01/33 0 8542931 E22/G02 F 216,000.00 ZZ 360 216,000.00 1 5.875 1,277.72 79 5.625 1,277.72 BURBANK WA 99323 1 03/12/03 00 0415765056 05 05/01/03 0 0415765056 O 04/01/33 0 8543243 U05/G02 F 98,600.00 TX 360 98,600.00 1 6.750 639.52 79 6.500 639.52 CARROLLTON TX 75006 2 03/12/03 00 0435583554 05 05/01/03 0 3306282 O 04/01/33 0 8543245 U19/G02 F 98,000.00 ZZ 360 97,907.02 1 1 6.250 603.40 77 6.000 603.40 MANITOU SPRINGS CO 80829 5 02/25/03 00 0435562855 05 04/01/03 0 0302170010 O 03/01/33 0 8543249 U19/G02 F 171,000.00 ZZ 360 170,682.40 1 6.375 1,066.82 75 6.125 1,066.82 DENVER CO 80227 5 01/15/03 00 0435558580 05 03/01/03 0 58041277 O 02/01/33 0 8543255 U19/G02 F 204,250.00 ZZ 360 204,060.83 1 6.375 1,274.25 95 6.125 1,274.25 THORNTON CO 80241 1 02/24/03 01 0435560354 05 04/01/03 30 33011136 O 03/01/33 0 8543297 956/956 F 650,000.00 ZZ 360 649,321.36 1 5.750 3,793.22 65 5.500 3,793.22 BURLINGAME CA 94010 1 02/24/03 00 113010203 05 04/01/03 0 113010203 O 03/01/33 0 8543301 956/956 F 436,000.00 ZZ 360 435,565.96 1 6.000 2,614.04 39 5.750 2,614.04 LOS ALTOS CA 94022 2 02/11/03 00 113020020 05 04/01/03 0 113020020 O 03/01/33 0 8543305 956/956 F 495,000.00 ZZ 360 495,000.00 1 6.000 2,967.78 77 5.750 2,967.78 MARTINEZ CA 94553 1 03/01/03 00 113020108 05 05/01/03 0 1 113020108 O 04/01/33 0 8543307 956/956 F 640,000.00 ZZ 360 640,000.00 1 6.000 3,837.12 65 5.750 3,837.12 LOS ALTOS CA 94022 2 03/03/03 00 113020167 05 05/01/03 0 113020167 O 04/01/33 0 8543313 956/956 F 503,000.00 ZZ 360 503,000.00 1 6.000 3,015.74 78 5.750 3,015.74 UNION CITY CA 94587 2 03/03/03 00 213010086 05 05/01/03 0 213010086 O 04/01/33 0 8543325 956/956 F 443,000.00 ZZ 360 442,515.00 1 6.000 2,656.01 74 5.750 2,656.01 SOQUEL CA 95073 2 02/10/03 00 713010150 05 04/01/03 0 713010150 O 03/01/33 0 8543327 956/956 F 430,000.00 ZZ 360 429,450.00 1 6.000 2,578.07 51 5.750 2,578.07 SAN JOSE CA 95121 2 02/10/03 00 713010161 05 04/01/03 0 713010161 O 03/01/33 0 8543331 956/956 F 393,000.00 ZZ 360 392,599.32 1 5.875 2,324.74 76 5.625 2,324.74 SAN JOSE CA 95116 2 02/21/03 00 713010366 05 04/01/03 0 713010366 O 03/01/33 0 1 8543333 956/956 F 476,000.00 ZZ 360 476,000.00 1 5.875 2,815.72 80 5.625 2,815.72 BENICIA CA 94510 1 03/03/03 00 713020012 05 05/01/03 0 713020012 O 04/01/33 0 8543335 956/956 F 356,000.00 ZZ 360 355,653.99 1 6.125 2,163.09 58 5.875 2,163.09 SAN JOSE CA 95118 2 02/26/03 00 713020061 05 04/01/03 0 713020061 O 03/01/33 0 8543339 956/956 F 389,000.00 ZZ 360 388,603.40 1 5.875 2,301.08 71 5.625 2,301.08 SANTA ROSA CA 95403 2 02/24/03 00 813010099 05 04/01/03 0 813010099 O 03/01/33 0 8543341 956/956 F 510,000.00 ZZ 360 509,492.29 1 6.000 3,057.71 74 5.750 3,057.71 MONTCLAIR NJ 07042 2 02/28/03 00 913020030 05 04/01/03 0 913020030 O 03/01/33 0 8543345 956/956 F 455,000.00 ZZ 360 454,113.28 1 6.125 2,764.63 78 5.875 2,764.63 OAKLEY CA 94561 2 01/13/03 00 1113020026 05 03/01/03 0 1113020026 O 02/01/33 0 8543361 956/956 F 490,000.00 ZZ 360 489,523.75 1 6.125 2,977.29 63 5.875 2,977.29 1 ANAHEIM CA 92808 2 02/24/03 00 1913020033 03 04/01/03 0 1913020033 O 03/01/33 0 8543389 956/956 F 400,000.00 ZZ 360 399,592.18 1 5.875 2,366.15 62 5.625 2,366.15 REDWOOD CITY CA 94062 5 02/27/03 00 5313020008 05 04/01/03 0 5313020008 O 03/01/33 0 8543393 956/956 F 405,000.00 ZZ 360 404,606.37 1 6.125 2,460.82 42 5.875 2,460.82 REDWOOD CITY CA 94061 2 02/27/03 00 5313020006 05 04/01/03 0 5313020006 O 03/01/33 0 8543491 883/G02 F 105,520.00 ZZ 360 105,520.00 1 6.500 666.96 80 6.250 666.96 CAPE CORAL FL 33991 1 03/14/03 00 0435542683 05 05/01/03 0 05020527 N 04/01/33 0 8543553 883/G02 F 103,700.00 ZZ 360 103,700.00 1 6.500 655.45 85 6.250 655.45 MILTON FL 32570 5 03/10/03 10 0435543285 05 05/01/03 12 71000037 O 04/01/33 0 8543895 E11/G02 F 154,800.00 ZZ 360 154,800.00 1 6.375 965.75 90 6.125 965.75 ST. PAUL MN 55108 1 03/13/03 04 0435544069 05 05/01/03 25 0008001054522 O 04/01/33 0 1 8544177 408/G02 F 88,000.00 ZZ 360 87,922.35 2 6.625 563.48 80 6.375 563.48 INDEPENDENCE MO 64056 1 02/27/03 00 0435543491 05 04/01/03 0 703033573 N 03/01/33 0 8544185 408/G02 F 88,000.00 ZZ 360 87,922.35 2 6.625 563.48 80 6.375 563.48 INDEPENDENCE MO 64055 1 02/27/03 00 0435558648 05 04/01/03 0 703033574 N 03/01/33 0 8544225 A06/G02 F 99,500.00 ZZ 360 99,500.00 1 6.500 628.91 95 6.250 628.91 DETROIT MI 48205 1 03/12/03 11 0435557319 05 05/01/03 30 021000020233604 O 04/01/33 0 8544273 X51/G02 F 447,000.00 ZZ 360 447,000.00 1 6.000 2,679.99 78 5.750 2,679.99 STEVENSON RANCH CA 91381 5 03/12/03 00 0435558713 05 05/01/03 0 0030204002 O 04/01/33 0 8544319 F36/G02 F 63,750.00 ZZ 360 63,750.00 1 7.125 429.50 75 6.875 429.50 TACOMA WA 98405 5 03/04/03 00 0435558622 05 05/01/03 0 06405871 N 04/01/33 0 8544333 F36/G02 F 193,500.00 ZZ 360 193,500.00 1 1 6.375 1,207.19 75 6.125 1,207.19 KIRKLAND WA 98033 2 03/06/03 00 0435545769 05 05/01/03 0 06406019 N 04/01/33 0 8544373 H49/G02 F 500,000.00 ZZ 360 500,000.00 1 6.250 3,078.59 79 6.000 3,078.59 SCOTTSDALE AZ 85262 1 03/17/03 00 0435546155 05 05/01/03 0 35673076 O 04/01/33 0 8544387 N47/G02 F 150,000.00 ZZ 360 150,000.00 1 6.375 935.80 41 6.125 935.80 NEWARK CA 94560 5 03/07/03 00 0435543541 05 05/01/03 0 20503291 O 04/01/33 0 8544395 168/168 F 99,750.00 ZZ 360 99,750.00 4 7.000 663.64 91 6.750 663.64 BUFFALO NY 14214 1 03/12/03 14 0319379604 05 05/01/03 25 0319379604 O 04/01/33 0 8544455 E40/G02 F 185,000.00 ZZ 360 185,000.00 1 6.125 1,124.08 43 5.875 1,124.08 MALDEN MA 02148 5 03/10/03 00 0435553060 05 05/01/03 0 545000261 O 04/01/33 0 8544473 U35/G02 F 225,300.00 ZZ 360 225,300.00 1 6.375 1,405.58 80 6.125 1,405.58 BETTENDORF IA 52722 5 03/17/03 00 0435553128 05 05/01/03 0 1 0007834586 O 04/01/33 0 8544503 T44/G02 F 67,500.00 ZZ 360 67,500.00 1 6.750 437.80 75 6.500 437.80 LOUISVILLE KY 40219 5 03/11/03 00 0435555156 05 05/01/03 0 1053782 N 04/01/33 0 8544531 G51/G02 F 183,750.00 ZZ 360 183,750.00 1 6.375 1,146.36 75 6.125 1,146.36 JACKSONVILLE BE FL 32250 5 03/12/03 00 0435564984 05 05/01/03 0 25002180 O 04/01/33 0 8544599 U05/G02 F 355,000.00 T 360 355,000.00 1 6.250 2,185.80 65 6.000 2,185.80 BEAR VALLEY CA 95223 2 03/03/03 00 0435554076 03 05/01/03 0 3314703 O 04/01/33 0 8544709 E47/G02 F 248,000.00 ZZ 360 247,770.30 1 6.375 1,547.20 80 6.125 1,547.20 SAN ANTONIO TX 78248 5 02/21/03 00 0435638374 05 04/01/03 0 7329013200 N 03/01/33 0 8544733 952/G02 F 160,000.00 ZZ 360 160,000.00 1 7.125 1,077.95 79 6.875 1,077.95 WEST MILFORD NJ 07480 1 03/18/03 00 0435566674 05 05/01/03 0 20027545 N 04/01/33 0 1 8544749 944/G02 F 402,000.00 ZZ 360 402,000.00 1 6.375 2,507.96 78 6.125 2,507.96 ORINDA CA 94563 5 03/13/03 00 0435552583 05 05/01/03 0 W02043225 O 04/01/33 0 8544895 W40/G02 F 135,000.00 ZZ 360 135,000.00 1 6.625 864.42 90 6.375 864.42 WESTLAND MI 48186 2 03/14/03 10 0435559851 05 05/01/03 25 100018645 O 04/01/33 0 8544941 A21/G02 F 401,600.00 ZZ 360 401,600.00 1 6.250 2,472.73 80 6.000 2,472.73 HONOLULU HI 96818 1 03/13/03 00 0435558259 05 05/01/03 0 0810109767 O 04/01/33 0 8545281 E82/G02 F 80,200.00 ZZ 360 80,200.00 1 6.625 513.53 49 6.375 513.53 FEDERAL WAY WA 98003 2 03/21/03 00 0400800876 05 05/01/03 0 0400800876 N 04/01/33 0 8545287 E82/G02 F 66,800.00 ZZ 360 66,800.00 2 7.125 450.04 76 6.875 450.04 FORT WORTH TX 76133 2 03/12/03 00 0400790135 05 05/01/03 0 0400790135 N 04/01/33 0 8545289 E82/G02 F 66,400.00 ZZ 360 66,400.00 2 7.125 447.35 77 6.875 447.35 1 FORT WORTH TX 76133 2 03/12/03 00 0400790143 05 05/01/03 0 0400790143 N 04/01/33 0 8545303 E82/G02 F 201,000.00 ZZ 360 201,000.00 1 6.125 1,221.30 75 5.875 1,221.30 HOWELL MI 48843 5 03/19/03 00 0400795936 05 05/01/03 0 0400795936 O 04/01/33 0 8545309 E82/G02 F 63,000.00 ZZ 360 63,000.00 1 6.500 398.20 89 6.250 398.20 BELEN NM 87002 2 03/18/03 10 0400789715 03 05/01/03 25 0400789715 O 04/01/33 0 8545321 E82/G02 F 81,500.00 ZZ 360 81,500.00 1 6.125 495.20 70 5.875 495.20 WINDSOR CT 06095 2 03/18/03 00 0400786893 05 05/01/03 0 0400786893 O 04/01/33 0 8545367 E22/G02 F 149,500.00 ZZ 360 149,500.00 1 6.625 957.26 50 6.375 957.26 SPRINGFIELD VA 22151 2 03/20/03 00 0415939958 05 05/01/03 0 0415939958 N 04/01/33 0 8545371 E22/G02 F 318,350.00 ZZ 360 318,350.00 1 6.375 1,986.09 75 6.125 1,986.09 (OJAI AREA) CA 93023 1 03/03/03 00 0415975374 05 05/01/03 0 0415975374 N 04/01/33 0 1 8545413 E22/G02 F 244,000.00 ZZ 360 244,000.00 1 6.250 1,502.35 80 6.000 1,502.35 NEVADA CITY CA 95959 1 03/15/03 00 0416172922 05 05/01/03 0 0416172922 O 04/01/33 0 8545419 E22/G02 F 51,750.00 ZZ 360 51,750.00 1 7.125 348.65 90 6.875 348.65 OKLAHOMA CITY OK 73109 2 03/17/03 04 0416188753 05 05/01/03 25 0416188753 N 04/01/33 0 8545437 E22/G02 F 445,000.00 ZZ 360 445,000.00 1 5.750 2,596.90 75 5.500 2,596.90 ORANGE CA 92863 5 03/11/03 00 0416218741 03 05/01/03 0 0416218741 O 04/01/33 0 8545465 E22/G02 F 217,500.00 ZZ 360 217,500.00 1 6.250 1,339.18 72 6.000 1,339.18 SANTA ANA CA 92706 5 03/14/03 00 0416286649 05 05/01/03 0 0416286649 N 04/01/33 0 8545501 E82/G02 F 56,900.00 ZZ 360 56,900.00 1 6.625 364.34 68 6.375 364.34 INDEPENDENCE MO 64050 2 03/10/03 00 0400794814 05 05/01/03 0 0400794814 N 04/01/33 0 8545535 E22/G02 F 316,000.00 ZZ 360 316,000.00 1 1 6.250 1,945.67 80 6.000 1,945.67 SALT LAKE CITY UT 84121 5 03/13/03 00 0416377273 05 05/01/03 0 0416377273 O 04/01/33 0 8545553 E22/G02 F 354,400.00 ZZ 360 354,400.00 1 5.875 2,096.41 80 5.625 2,096.41 WATSONVILLE CA 95076 1 03/14/03 00 0416404655 05 05/01/03 0 0416404655 O 04/01/33 0 8545559 E22/G02 F 174,000.00 ZZ 360 174,000.00 1 6.125 1,057.24 80 5.875 1,057.24 SACRAMENTO CA 95818 5 03/07/03 00 0416412872 05 05/01/03 0 0416412872 O 04/01/33 0 8545691 U35/G02 F 66,500.00 ZZ 360 66,500.00 1 6.375 414.87 84 6.125 414.87 LYNDON IL 61261 2 03/18/03 01 0435553409 05 05/01/03 12 0007810175 O 04/01/33 0 8545739 T63/G02 F 185,000.00 ZZ 360 185,000.00 1 6.490 1,168.11 88 6.240 1,168.11 DIAMOND BAR CA 91765 5 03/14/03 11 0435637988 01 05/01/03 25 9272781 O 04/01/33 0 8545937 A06/G02 F 225,000.00 ZZ 360 225,000.00 1 6.125 1,367.13 66 5.875 1,367.13 CANTON MI 48188 2 03/12/03 00 0435559679 05 05/01/03 0 1 1 O 04/01/33 0 8545981 X89/G02 F 115,650.00 ZZ 360 115,532.09 1 5.875 684.11 89 5.625 684.11 ADDISON VT 05491 5 02/26/03 04 0435564265 05 04/01/03 25 1010241132 O 03/01/33 0 8545991 477/G02 F 184,960.00 ZZ 360 184,960.00 1 6.125 1,123.84 80 5.875 1,123.84 GILBERT AZ 85296 1 03/05/03 00 0435565197 03 05/01/03 0 238918 O 04/01/33 0 8546013 K15/G02 F 99,600.00 ZZ 300 99,600.00 1 6.125 649.36 80 5.875 649.36 ALDEN NY 14004 2 03/07/03 00 0435557624 05 05/01/03 0 029505512497 O 04/01/28 0 8546147 N34/G02 F 231,000.00 ZZ 360 231,000.00 2 6.625 1,479.12 80 6.375 1,479.12 CHICAGO IL 60641 5 02/25/03 00 0435553110 05 05/01/03 0 0677112 O 04/01/33 0 8546163 K15/G02 F 87,800.00 ZZ 240 87,800.00 1 7.000 680.71 90 6.750 680.71 WATERLOO NY 13165 5 03/10/03 41 0435557293 05 05/01/03 25 027305512188 O 04/01/23 0 1 8546239 N34/G02 F 200,000.00 ZZ 360 200,000.00 1 7.625 1,415.59 61 7.375 1,415.59 CHICAGO IL 60625 5 03/21/03 00 0435553102 05 05/01/03 0 0675240 N 04/01/33 0 8546347 M18/G02 F 244,000.00 ZZ 360 244,000.00 2 6.500 1,542.25 69 6.250 1,542.25 SIGNAL HILL CA 90755 2 03/10/03 00 0435552898 05 05/01/03 0 980102333 O 04/01/33 0 8546355 X67/G02 F 450,000.00 ZZ 360 450,000.00 1 6.375 2,807.41 70 6.125 2,807.41 SAN CLEMENTE CA 92673 2 03/06/03 00 0435553011 05 05/01/03 0 00283223 O 04/01/33 0 8546409 K15/G02 F 162,000.00 ZZ 360 162,000.00 1 6.250 997.46 64 6.000 997.46 LONG BEACH CA 90805 5 03/07/03 00 0435557723 05 05/01/03 0 024905507595 O 04/01/33 0 8546493 K15/G02 F 195,900.00 ZZ 360 195,900.00 1 5.750 1,143.22 89 5.500 1,143.22 WILTON NH 03086 2 03/10/03 41 0435559869 05 05/01/03 25 033605512093 O 04/01/33 0 8546733 738/G02 F 400,000.00 ZZ 360 400,000.00 1 6.250 2,462.87 79 6.000 2,462.87 1 SUWANEE GA 30024 2 03/14/03 00 0435558606 03 05/01/03 0 40822776 O 04/01/33 0 8546737 738/G02 F 155,000.00 ZZ 360 154,859.87 1 6.500 979.71 56 6.250 979.71 MIAMI FL 33176 5 02/21/03 00 0435554233 05 04/01/03 0 40915023 O 03/01/33 0 8546781 W08/G02 F 135,000.00 ZZ 360 135,000.00 1 6.250 831.22 90 6.000 831.22 MIAMI FL 33196 1 03/19/03 10 0435562467 01 05/01/03 30 032769MG O 04/01/33 0 8546895 K15/G02 F 135,000.00 ZZ 360 135,000.00 1 6.000 809.39 70 5.750 809.39 FALL RIVER MA 02721 5 03/10/03 00 0435557848 05 05/01/03 0 024005512579 O 04/01/33 0 8546931 S27/G02 F 116,450.00 ZZ 360 116,450.00 1 6.875 765.00 95 6.625 765.00 KENOSHA WI 53143 5 03/07/03 10 0435567565 05 05/01/03 30 1830003487 O 04/01/33 0 8547003 N47/G02 F 645,800.00 ZZ 360 645,800.00 1 6.125 3,923.95 72 5.875 3,923.95 SOUTH PASADENA CA 91030 5 03/13/03 00 0435574116 05 05/01/03 0 30502608 O 04/01/33 0 1 8547007 U05/G02 F 240,000.00 ZZ 360 240,000.00 1 6.125 1,458.27 100 5.875 1,458.27 DEXTER MI 48169 1 03/14/03 10 0435557491 05 05/01/03 35 3310346 O 04/01/33 0 8547065 M18/G02 F 400,000.00 ZZ 360 400,000.00 1 6.500 2,528.27 80 6.250 2,528.27 GRANADA HILLS CA 91344 5 03/11/03 00 0435561212 05 05/01/03 0 980102339 O 04/01/33 0 8547151 E57/G02 F 225,000.00 ZZ 360 225,000.00 2 6.250 1,385.36 65 6.000 1,385.36 SIGNAL HILL CA 90755 2 03/07/03 00 0435571740 05 05/01/03 0 06014108 O 04/01/33 0 8547215 N74/G02 F 155,750.00 ZZ 360 155,598.62 1 6.125 946.35 76 5.875 946.35 STAUNTON VA 24401 2 03/13/03 00 0435573977 05 04/18/03 0 0031949010 O 03/18/33 0 8547261 N74/G02 F 67,000.00 ZZ 360 67,000.00 1 6.000 401.70 69 5.750 401.70 REIDSVILLE NC 27320 5 03/17/03 00 0435574645 05 05/01/03 0 0031970010 O 04/01/33 0 8547291 N74/G02 F 92,800.00 ZZ 360 92,800.00 1 1 6.250 571.39 89 6.000 571.39 NORTH WILKESBOR NC 28659 5 03/17/03 01 0435574132 05 05/01/03 25 0031963010 O 04/01/33 0 8547303 738/G02 F 348,000.00 ZZ 360 348,000.00 1 6.000 2,086.44 80 5.750 2,086.44 SAN ANTONIO TX 78257 1 03/06/03 00 0435555644 03 05/01/03 0 0040933885-0007 O 04/01/33 0 8547487 G51/G02 F 116,250.00 T 360 116,250.00 1 6.500 734.78 75 6.250 734.78 INDIAN ROCKS BE FL 33785 1 03/14/03 00 0435572755 20 05/01/03 0 14000187 O 04/01/33 0 8547561 144/144 F 46,000.00 ZZ 360 45,914.57 1 6.375 286.98 17 6.125 286.98 CATSKILL NY 12414 1 01/28/03 00 02TOBYJ 05 03/01/03 0 02TOBYJ O 02/01/33 0 8547711 W68/G02 F 148,500.00 ZZ 360 148,368.98 4 6.625 950.86 90 6.375 950.86 COLLEGE STATION TX 77845 1 02/24/03 12 0435552757 05 04/01/03 25 3021471 N 03/01/33 0 8547735 U19/G02 F 164,000.00 ZZ 360 164,000.00 1 6.375 1,023.15 80 6.125 1,023.15 AURORA CO 80010 5 03/21/03 00 0435577564 05 05/01/03 0 1 33011146 O 04/01/33 0 8548097 E22/G02 F 159,200.00 ZZ 360 159,200.00 1 6.250 980.22 80 6.000 980.22 SANBORTON NH 03269 5 03/13/03 00 0416304582 05 05/01/03 0 0416304582 O 04/01/33 0 8548107 E22/G02 F 193,400.00 ZZ 360 193,400.00 1 6.250 1,190.80 70 6.000 1,190.80 WHEATON IL 60187 1 03/21/03 00 0416318780 05 05/01/03 0 0416318780 O 04/01/33 0 8548267 E22/G02 F 188,800.00 ZZ 360 188,800.00 3 6.250 1,162.47 80 6.000 1,162.47 GREENACRES FL 33463 1 03/21/03 00 0416375988 05 05/01/03 0 0416375988 N 04/01/33 0 8548271 E22/G02 F 238,500.00 ZZ 360 238,500.00 4 6.500 1,507.48 90 6.250 1,507.48 FONTANA CA 92335 1 03/13/03 04 0416380244 05 05/01/03 25 0416380244 N 04/01/33 0 8548287 E22/G02 F 105,000.00 ZZ 360 105,000.00 2 6.000 629.53 40 5.750 629.53 ANN ARBOR MI 48103 2 03/17/03 00 0416392470 05 05/01/03 0 0416392470 O 04/01/33 0 1 8548297 E22/G02 F 284,000.00 ZZ 360 284,000.00 1 5.875 1,679.97 66 5.625 1,679.97 DEFOREST WI 53532 2 03/17/03 00 0416409662 05 05/01/03 0 0416409662 O 04/01/33 0 8548299 E22/G02 F 80,500.00 ZZ 360 80,500.00 1 7.000 535.57 90 6.750 535.57 NAMPA ID 83687 2 03/17/03 04 0416410827 05 05/01/03 25 0416410827 N 04/01/33 0 8548307 E22/G02 F 297,000.00 ZZ 360 297,000.00 1 6.250 1,828.68 90 6.000 1,828.68 SANTEE CA 92071 1 03/17/03 04 0416415610 05 05/01/03 25 0416415610 O 04/01/33 0 8548323 E22/G02 F 56,750.00 ZZ 360 56,750.00 1 6.000 340.24 78 5.750 340.24 MESQUITE TX 75149 2 03/17/03 00 0416428068 05 05/01/03 0 0416428068 O 04/01/33 0 8548335 E22/G02 F 181,000.00 ZZ 360 181,000.00 2 6.375 1,129.20 73 6.125 1,129.20 BOUND BROOK NJ 08805 5 03/21/03 00 0416436731 05 05/01/03 0 0416436731 N 04/01/33 0 8548369 E22/G02 F 86,625.00 ZZ 360 86,625.00 1 6.250 533.37 75 6.000 533.37 1 WHEATON IL 60187 1 03/21/03 00 0416479566 01 05/01/03 0 0416479566 O 04/01/33 0 8548383 E22/G02 F 123,300.00 ZZ 360 123,300.00 1 6.625 789.50 80 6.375 789.50 VISALIA CA 93291 1 03/17/03 00 0416554889 05 05/01/03 0 0416554889 N 04/01/33 0 8548387 E22/G02 F 123,300.00 ZZ 360 123,300.00 2 7.250 841.12 90 7.000 841.12 NEW ORLEANS LA 70122 1 03/21/03 01 0416600070 05 05/01/03 25 0416600070 N 04/01/33 0 8548391 E22/G02 F 91,000.00 ZZ 240 91,000.00 1 6.500 678.47 43 6.250 678.47 PISCATAWAY NJ 08854 2 03/17/03 00 0415684471 05 05/01/03 0 0415684471 O 04/01/23 0 8548445 E22/G02 F 160,000.00 ZZ 360 160,000.00 2 6.250 985.15 79 6.000 985.15 PLAINFIELD NJ 07060 5 03/17/03 00 0416093078 05 05/01/03 0 0416093078 O 04/01/33 0 8548511 E22/G02 F 194,000.00 ZZ 360 194,000.00 1 6.125 1,178.76 23 5.875 1,178.76 ZEPHYR COVE NV 89448 2 03/12/03 00 0416183978 05 05/01/03 0 0416183978 O 04/01/33 0 1 8548513 E22/G02 F 238,000.00 ZZ 360 238,000.00 1 6.625 1,523.94 79 6.375 1,523.94 PLANO TX 75024 5 03/17/03 00 0416186237 03 05/01/03 0 0416186237 O 04/01/33 0 8548523 E22/G02 F 280,000.00 ZZ 360 280,000.00 1 5.875 1,656.31 80 5.625 1,656.31 MONTGOMERY AL 36117 5 03/17/03 00 0416210698 05 05/01/03 0 0416210698 O 04/01/33 0 8548553 E22/G02 F 86,400.00 ZZ 360 86,400.00 1 7.750 618.98 80 7.500 618.98 WARREN MI 48091 2 03/21/03 00 0416238681 05 05/01/03 0 0416238681 N 04/01/33 0 8548561 E22/G02 F 154,000.00 ZZ 360 154,000.00 1 5.875 910.97 49 5.625 910.97 NORTHBOROUGH MA 01532 2 03/17/03 00 0416241206 05 05/01/03 0 0416241206 O 04/01/33 0 8548565 E22/G02 F 129,000.00 ZZ 240 129,000.00 1 6.125 933.52 70 5.875 933.52 DALLAS TX 75248 5 03/17/03 00 0416246973 05 05/01/03 0 0416246973 O 04/01/23 0 8548569 E22/G02 F 110,000.00 ZZ 360 110,000.00 1 1 6.000 659.51 57 5.750 659.51 HAMILTON AL 35570 1 03/21/03 00 0416252807 05 05/01/03 0 0416252807 O 04/01/33 0 8548573 E22/G02 F 184,200.00 ZZ 360 184,200.00 1 6.250 1,134.15 80 6.000 1,134.15 MURPHYS CA 95247 1 03/17/03 00 0416255917 05 05/01/03 0 0416255917 O 04/01/33 0 8548593 E22/G02 F 135,704.00 ZZ 360 135,704.00 1 6.750 880.17 80 6.500 880.17 FORT COLLINS CO 80525 5 03/21/03 00 0416266823 05 05/01/03 0 0416266823 N 04/01/33 0 8548645 E22/G02 F 184,000.00 ZZ 360 184,000.00 1 5.875 1,088.43 73 5.625 1,088.43 CANBY OR 97013 2 03/13/03 00 0416298768 05 05/01/03 0 0416298768 O 04/01/33 0 8548719 E82/G02 F 93,550.00 ZZ 360 93,550.00 1 6.125 568.42 78 5.875 568.42 BUNKER HILL WV 25413 2 03/20/03 00 0400798245 03 05/01/03 0 0400798245 O 04/01/33 0 8548731 E82/G02 F 99,700.00 ZZ 360 99,700.00 1 6.000 597.75 70 5.750 597.75 SCHERTZ TX 78154 2 03/20/03 00 0400789228 05 05/01/03 0 1 0400789228 O 04/01/33 0 8549793 J95/G02 F 140,000.00 ZZ 360 140,000.00 1 7.250 955.05 80 7.000 955.05 GLEN BURNIE MD 21060 1 03/13/03 00 0435567094 05 05/01/03 0 0042119859 N 04/01/33 0 8550099 A06/G02 F 370,000.00 ZZ 360 370,000.00 1 6.000 2,218.34 62 5.750 2,218.34 WEST BLOOMFIELD MI 48322 5 03/14/03 00 0435561899 05 05/01/03 0 1000020302381 O 04/01/33 0 8550133 B23/G02 F 216,600.00 ZZ 360 216,600.00 4 6.125 1,316.08 95 5.875 1,316.08 LOS ANGELES CA 90023 1 03/05/03 10 0435572003 05 05/01/03 35 80000160 O 04/01/33 0 8550261 E11/G02 F 243,200.00 ZZ 360 243,200.00 1 6.500 1,537.19 80 6.250 1,537.19 WAYZATA MN 55391 1 03/17/03 00 0435563150 05 05/01/03 0 0003001054511 N 04/01/33 0 8550291 L21/G02 F 63,000.00 ZZ 360 63,000.00 1 5.875 372.67 55 5.625 372.67 FAIRFAX VA 22030 2 03/19/03 00 0435563135 01 05/01/03 0 70302808 O 04/01/33 0 1 8550315 A19/G02 F 220,500.00 ZZ 360 220,500.00 2 6.500 1,393.71 90 6.250 1,393.71 ROCHESTER NH 03867 1 03/21/03 04 0435618830 05 05/01/03 25 0312372 N 04/01/33 0 8550333 X51/G02 F 352,000.00 ZZ 360 352,000.00 1 5.750 2,054.18 80 5.500 2,054.18 SAN DIEGO CA 92115 5 03/15/03 00 0435560487 05 05/01/03 0 0030304001 O 04/01/33 0 8550351 420/G02 F 340,000.00 ZZ 360 339,692.64 1 6.500 2,149.03 80 6.250 2,149.03 SONOMA CA 95476 5 02/28/03 00 0435564745 05 04/01/03 0 72005195 O 03/01/33 0 8550371 X67/G02 F 195,000.00 ZZ 360 194,810.47 1 6.125 1,184.84 80 5.875 1,184.84 MIDDLETOWN CA 95461 5 02/27/03 00 0435565486 03 04/01/03 0 00283733 O 03/01/33 0 8550393 952/G02 F 441,000.00 ZZ 360 441,000.00 1 6.625 2,823.77 90 6.375 2,823.77 SAINT PETERSBUR FL 33711 1 03/12/03 01 0435563010 05 05/01/03 25 03001616 O 04/01/33 0 8550397 U05/G02 F 400,000.00 ZZ 360 399,611.23 1 6.125 2,430.44 48 5.875 2,430.44 1 SANTA ROSA CA 95404 5 02/24/03 00 0435566773 05 04/01/03 0 3307242 O 03/01/33 0 8550407 W53/G02 F 521,250.00 ZZ 360 520,281.86 1 6.375 3,251.93 75 6.125 3,251.93 IRVINE CA 92612 5 01/24/03 00 0435565106 03 03/01/03 0 1701100468 O 02/01/33 0 8550411 952/G02 F 160,000.00 ZZ 360 160,000.00 1 6.375 998.19 68 6.125 998.19 OLD BRIDGE NJ 08857 5 03/13/03 00 0435558226 05 05/01/03 0 03001650 O 04/01/33 0 8550413 E57/G02 F 624,000.00 ZZ 360 624,000.00 1 6.000 3,741.20 34 5.750 3,741.20 LA CANADA-FLINT CA 91011 5 03/13/03 00 0435565767 05 05/01/03 0 06014452 O 04/01/33 0 8550417 U05/G02 F 340,000.00 ZZ 360 340,000.00 1 6.000 2,038.47 75 5.750 2,038.47 COSTA MESA CA 92627 1 03/10/03 00 0435568092 05 05/01/03 0 3309214 O 04/01/33 0 8550485 U42/G02 F 201,765.00 ZZ 360 201,765.00 1 6.500 1,275.29 90 6.250 1,275.29 COLORADO SPRING CO 80918 1 03/20/03 12 0435565619 05 05/01/03 25 32300011 O 04/01/33 0 1 8550629 K15/G02 F 52,900.00 T 360 52,853.33 1 6.625 338.72 92 6.375 338.72 PENSACOLA FL 32507 2 02/28/03 41 0435558457 05 04/01/03 30 009305507016 O 03/01/33 0 8550749 T23/G02 F 86,530.00 ZZ 360 86,530.00 1 5.875 511.86 85 5.625 511.86 DETROIT MI 48219 5 03/18/03 10 0435565312 05 05/01/03 12 6164 O 04/01/33 0 8550901 225/G02 F 245,400.00 ZZ 360 243,624.39 1 6.750 1,591.66 80 6.500 1,591.66 PLANO TX 75093 2 01/03/03 00 0435571609 03 03/01/03 0 007429128 O 02/01/33 0 8550925 225/G02 F 380,000.00 ZZ 360 379,359.67 1 6.875 2,496.33 80 6.625 2,496.33 SOUTH RIDING VA 20152 1 01/31/03 00 0435572730 03 03/01/03 0 006871752 O 02/01/33 0 8550935 225/G02 F 381,600.00 ZZ 360 381,271.45 1 6.750 2,475.05 85 6.500 2,475.05 NORWALK CT 06853 1 02/21/03 11 0435564133 05 04/01/03 12 006876931 O 03/01/33 0 8550937 225/G02 F 436,000.00 ZZ 360 434,055.26 1 1 6.625 2,791.76 80 6.375 2,791.76 PLACERVILLE CA 95667 5 10/08/02 00 0435563358 05 12/01/02 0 007411064 O 11/01/32 0 8550941 225/G02 F 210,000.00 ZZ 360 209,619.29 1 6.500 1,327.34 20 6.250 1,327.34 CHARLOTTE NC 28207 2 01/15/03 00 0435572797 05 03/01/03 0 007421321 O 02/01/33 0 8550953 225/G02 F 370,000.00 ZZ 360 368,664.74 1 7.375 2,555.50 80 7.125 2,555.50 WINFIELD IL 60190 5 12/30/02 00 0435571435 05 02/01/03 0 007432042 O 01/01/33 0 8550967 225/G02 F 211,500.00 ZZ 360 211,160.72 3 7.125 1,424.92 90 6.875 1,424.92 JERSEY CITY NJ 07304 1 01/31/03 10 0435572979 05 03/01/03 25 007433483 N 02/01/33 0 8550969 225/G02 F 126,000.00 ZZ 360 125,382.95 3 6.750 817.24 90 6.500 817.24 NEW HAVEN CT 06513 1 01/17/03 11 0435572888 05 03/01/03 25 007435992 N 02/01/33 0 8552021 E22/G02 F 132,050.00 ZZ 360 132,050.00 1 6.500 834.65 95 6.250 834.65 SEMINARY MS 39479 2 03/19/03 04 0416006476 05 05/01/03 25 1 0416006476 O 04/01/33 0 8552033 E22/G02 F 256,000.00 ZZ 360 256,000.00 1 6.250 1,576.24 80 6.000 1,576.24 BRICK NJ 08723 5 03/18/03 00 0416048478 05 05/01/03 0 0416048478 O 04/01/33 0 8552051 E22/G02 F 111,000.00 ZZ 360 111,000.00 1 6.500 701.60 56 6.250 701.60 HURST TX 76054 5 03/19/03 00 0416158244 05 05/01/03 0 0416158244 O 04/01/33 0 8552059 E82/G02 F 347,000.00 ZZ 360 347,000.00 1 7.250 2,367.15 74 7.000 2,367.15 ELLICOTT CITY MD 21043 2 03/20/03 00 0400763231 03 05/01/03 0 0400763231 O 04/01/33 0 8552073 E22/G02 F 99,000.00 ZZ 360 99,000.00 1 6.125 601.53 90 5.875 601.53 LUTZ FL 33624 2 03/24/03 04 0416184406 07 05/01/03 25 0416184406 N 04/01/33 0 8552149 E22/G02 F 138,685.00 ZZ 360 138,685.00 1 6.000 831.49 95 5.750 831.49 SAINT CLAIR SHO MI 48080 5 03/19/03 11 0416214039 05 05/01/03 30 0416214039 O 04/01/33 0 1 8552159 E22/G02 F 219,500.00 ZZ 360 219,500.00 1 6.375 1,369.39 80 6.125 1,369.39 TEWKSBURY MA 01876 2 03/18/03 00 0416253821 05 05/01/03 0 0416253821 O 04/01/33 0 8552181 E22/G02 F 199,125.00 ZZ 360 199,125.00 1 6.250 1,226.05 73 6.000 1,226.05 FAIR OAKS CA 95628 2 03/18/03 00 0416258986 05 05/01/03 0 0416258986 N 04/01/33 0 8552191 E82/G02 F 114,700.00 ZZ 360 114,700.00 1 6.125 696.93 56 5.875 696.93 AUSTIN TX 78756 2 03/21/03 00 0400785820 05 05/01/03 0 0400785820 O 04/01/33 0 8552193 E22/G02 F 119,920.00 ZZ 360 119,920.00 1 6.125 728.65 80 5.875 728.65 PARMA OH 44129 1 03/24/03 00 0416267649 01 05/01/03 0 0416267649 N 04/01/33 0 8552195 E22/G02 F 81,990.00 ZZ 360 81,990.00 1 6.625 524.99 90 6.375 524.99 BECKEMEYER IL 62219 5 03/19/03 01 0416271997 05 05/01/03 25 0416271997 O 04/01/33 0 8552203 E22/G02 F 72,800.00 ZZ 360 72,800.00 1 6.875 478.24 80 6.625 478.24 1 HOUSTON TX 77087 5 03/19/03 00 0416275212 05 05/01/03 0 0416275212 O 04/01/33 0 8552237 E22/G02 F 239,000.00 ZZ 240 239,000.00 1 6.000 1,712.27 69 5.750 1,712.27 PLANO TX 75093 5 03/18/03 00 0416291672 03 05/01/03 0 0416291672 O 04/01/23 0 8552247 E22/G02 F 158,500.00 ZZ 360 158,500.00 1 6.000 950.29 80 5.750 950.29 WINCHENDON MA 01475 5 03/18/03 00 0416326627 05 05/01/03 0 0416326627 O 04/01/33 0 8552251 E82/G02 F 63,150.00 ZZ 360 63,150.00 1 6.125 383.71 80 5.875 383.71 HEPHZIBAH GA 30815 2 03/25/03 00 0400789939 05 05/01/03 0 0400789939 N 04/01/33 0 8552257 E22/G02 F 344,000.00 ZZ 360 344,000.00 1 6.125 2,090.18 80 5.875 2,090.18 TRACY CA 95376 5 03/14/03 00 0416330199 05 05/01/03 0 0416330199 O 04/01/33 0 8552279 E22/G02 F 171,000.00 ZZ 360 171,000.00 1 6.375 1,066.82 54 6.125 1,066.82 HASBROUCK HEIGH NJ 07604 2 03/19/03 00 0416337566 05 05/01/03 0 0416337566 O 04/01/33 0 1 8552285 E22/G02 F 170,000.00 ZZ 360 170,000.00 1 5.875 1,005.61 78 5.625 1,005.61 ROCHESTER HILLS MI 48307 5 03/18/03 00 0416344893 05 05/01/03 0 0416344893 O 04/01/33 0 8552297 E22/G02 F 153,000.00 ZZ 360 153,000.00 1 5.875 905.05 80 5.625 905.05 RIO VISTA CA 94571 1 03/07/03 00 0416358810 05 05/01/03 0 0416358810 O 04/01/33 0 8552311 E22/G02 F 104,000.00 ZZ 360 104,000.00 1 6.375 648.82 80 6.125 648.82 PERRY HALL MD 21128 5 03/19/03 00 0416408482 09 05/01/03 0 0416408482 O 04/01/33 0 8552329 E22/G02 F 140,000.00 ZZ 360 140,000.00 1 6.250 862.00 80 6.000 862.00 MIRAMAR FL 33025 2 03/19/03 00 0416434850 05 05/01/03 0 0416434850 O 04/01/33 0 8552347 E22/G02 F 256,500.00 ZZ 360 256,500.00 1 7.125 1,728.09 75 6.875 1,728.09 ATLANTA GA 30316 2 03/24/03 00 0416470367 05 05/01/03 0 0416470367 N 04/01/33 0 8552351 E22/G02 F 179,100.00 ZZ 360 179,100.00 2 1 6.750 1,161.64 90 6.500 1,161.64 SAINT PAUL MN 55104 1 03/24/03 04 0416471811 05 05/01/03 25 0416471811 N 04/01/33 0 8552429 E22/G02 F 184,000.00 ZZ 360 184,000.00 1 6.000 1,103.17 80 5.750 1,103.17 BUCKLEY WA 98321 2 03/17/03 00 0416142768 05 05/01/03 0 0416142768 O 04/01/33 0 8552445 E22/G02 F 170,000.00 ZZ 360 170,000.00 1 6.000 1,019.24 76 5.750 1,019.24 PUEBLO CO 81007 2 03/19/03 00 0416217578 05 05/01/03 0 0416217578 O 04/01/33 0 8552453 E22/G02 F 255,200.00 ZZ 360 255,200.00 1 6.250 1,571.31 79 6.000 1,571.31 PLANO TX 75025 2 03/19/03 00 0416223154 03 05/01/03 0 0416223154 O 04/01/33 0 8552467 E22/G02 F 146,000.00 ZZ 360 146,000.00 1 6.375 910.85 95 6.125 910.85 NORTH FORT MYER FL 33917 5 03/18/03 04 0416235836 03 05/01/03 30 0416235836 O 04/01/33 0 8552483 E22/G02 F 79,500.00 ZZ 360 79,500.00 1 6.750 515.64 75 6.500 515.64 FARMINGTON NM 87401 2 03/21/03 00 0416248359 05 05/01/03 0 1 0416248359 N 04/01/33 0 8552487 E22/G02 F 73,000.00 ZZ 360 73,000.00 1 6.000 437.67 52 5.750 437.67 LAKE WORTH FL 33467 2 03/18/03 00 0416294429 09 05/01/03 0 0416294429 O 04/01/33 0 8552495 E22/G02 F 240,000.00 ZZ 360 240,000.00 1 6.125 1,458.27 80 5.875 1,458.27 SANTA MARIA CA 93454 5 03/18/03 00 0416299808 05 05/01/03 0 0416299808 O 04/01/33 0 8552499 E22/G02 F 176,000.00 ZZ 360 176,000.00 1 6.250 1,083.66 80 6.000 1,083.66 HOUSTON TX 77044 5 03/19/03 00 0416301919 03 05/01/03 0 0416301919 O 04/01/33 0 8552507 E22/G02 F 123,000.00 ZZ 360 123,000.00 1 6.625 787.58 85 6.375 787.58 LENEXA KS 66215 5 03/19/03 01 0416306249 09 05/01/03 12 0416306249 O 04/01/33 0 8552509 E22/G02 F 185,000.00 ZZ 360 185,000.00 1 6.375 1,154.16 70 6.125 1,154.16 LOMPOC CA 93436 5 03/17/03 00 0416309144 05 05/01/03 0 0416309144 O 04/01/33 0 1 8552517 E22/G02 F 243,500.00 ZZ 360 243,500.00 1 6.000 1,459.91 58 5.750 1,459.91 EL CAJON CA 92019 2 03/19/03 00 0416314441 05 05/01/03 0 0416314441 O 04/01/33 0 8552581 E22/G02 F 128,500.00 ZZ 360 128,500.00 1 6.125 780.78 77 5.875 780.78 AUSTIN TX 78752 5 03/19/03 00 0416397248 05 05/01/03 0 0416397248 O 04/01/33 0 8552605 E47/G02 F 220,000.00 ZZ 360 220,000.00 1 6.125 1,336.74 80 5.875 1,336.74 PITTSBURG CA 94565 5 03/05/03 00 0435565460 05 05/01/03 0 7359513515 O 04/01/33 0 8552615 Q31/G02 F 127,000.00 ZZ 360 127,000.00 1 6.125 771.67 70 5.875 771.67 FREDERICK MD 21703 5 03/18/03 00 0435571344 05 05/01/03 0 25996 O 04/01/33 0 8552785 W77/G02 F 63,500.00 ZZ 360 63,500.00 2 6.375 396.16 64 6.125 396.16 SAN ANTONIO TX 78213 1 03/04/03 00 0435563580 05 05/01/03 0 W0302109 N 04/01/33 0 8552787 408/G02 F 148,000.00 ZZ 360 147,852.67 1 6.000 887.33 80 5.750 887.33 1 BLUE SPRINGS MO 64015 1 02/27/03 00 0435571732 03 04/01/03 0 703033703 O 03/01/33 0 8552815 H58/G02 F 80,400.00 ZZ 360 80,327.32 1 6.500 508.18 76 6.250 508.18 FRESNO CA 93705 1 02/19/03 00 0435557285 05 04/01/03 0 0000139102 N 03/01/33 0 8552819 408/G02 F 90,560.00 ZZ 360 90,476.12 1 6.375 564.98 80 6.125 564.98 INDEPENDENCE MO 64055 1 02/28/03 00 0435569322 05 04/01/03 0 703033616 O 03/01/33 0 8553135 K15/G02 F 121,000.00 ZZ 360 121,000.00 1 5.625 696.54 78 5.375 696.54 ADA OH 45810 5 03/06/03 00 0435564760 05 05/01/03 0 028505507144 O 04/01/33 0 8553159 K21/G02 F 360,100.00 ZZ 360 360,100.00 1 5.750 2,101.45 80 5.500 2,101.45 FALLBROOK CA 92028 2 03/13/03 00 0435588843 03 05/01/03 0 02 O 04/01/33 0 8553161 M11/G02 F 93,750.00 ZZ 360 93,750.00 1 6.750 608.07 75 6.500 608.07 MAGNOLIA TX 77355 1 03/04/03 00 0435571492 05 05/01/03 0 13230208 N 04/01/33 0 1 8553413 964/G02 F 248,000.00 ZZ 360 248,000.00 1 6.250 1,526.98 25 6.000 1,526.98 DANVILLE CA 94506 2 03/01/03 00 0435562145 03 05/01/03 0 348952 O 04/01/33 0 8553417 964/G02 F 101,250.00 ZZ 360 101,250.00 1 6.125 615.21 74 5.875 615.21 AUBURN WA 98001 5 03/03/03 00 0435572490 05 05/01/03 0 350204 O 04/01/33 0 8553429 964/G02 F 221,000.00 ZZ 360 220,779.99 1 6.000 1,325.01 71 5.750 1,325.01 PARKER CO 80134 2 03/03/03 00 0435564851 03 04/01/03 0 352171 O 03/01/33 0 8553443 964/G02 F 169,000.00 ZZ 360 169,000.00 1 5.500 959.56 64 5.250 959.56 AURORA CO 80013 2 03/04/03 00 0435572102 05 05/01/03 0 331922 O 04/01/33 0 8553449 964/G02 F 186,800.00 ZZ 360 186,800.00 1 6.125 1,135.02 71 5.875 1,135.02 ERIE CO 80516 2 03/04/03 00 0435590146 03 05/01/03 0 337086 O 04/01/33 0 8553455 964/G02 F 165,500.00 ZZ 360 165,500.00 1 1 6.250 1,019.01 74 6.000 1,019.01 LITTLETON CO 80127 2 03/07/03 00 0435563770 03 05/01/03 0 318662 N 04/01/33 0 8553481 964/G02 F 176,250.00 ZZ 360 176,250.00 1 6.250 1,085.20 75 6.000 1,085.20 COVINA CA 91723 5 03/03/03 00 0435569405 05 05/01/03 0 330170 N 04/01/33 0 8553485 964/G02 F 252,000.00 ZZ 360 252,000.00 1 5.875 1,490.68 80 5.625 1,490.68 RIDGWAY CO 81432 2 03/06/03 00 0435563200 05 05/01/03 0 349621 O 04/01/33 0 8553491 964/G02 F 126,000.00 ZZ 360 126,000.00 2 6.000 755.43 75 5.750 755.43 STOCKTON CA 95203 5 03/01/03 00 0435562095 05 05/01/03 0 356494 O 04/01/33 0 8553495 964/G02 F 248,000.00 ZZ 360 248,000.00 1 6.000 1,486.89 53 5.750 1,486.89 GRASS VALLEY CA 95945 5 02/28/03 00 0435564240 05 05/01/03 0 345678 O 04/01/33 0 8553499 964/G02 F 265,000.00 ZZ 360 265,000.00 1 6.000 1,588.81 56 5.750 1,588.81 SAN JOSE CA 95123 2 02/26/03 00 0435565122 05 05/01/03 0 1 348386 O 04/01/33 0 8553503 964/G02 F 131,900.00 ZZ 360 131,900.00 1 5.875 780.24 80 5.625 780.24 LAS VEGAS NV 89129 1 03/05/03 10 0435565114 05 05/01/03 30 357619 O 04/01/33 0 8553507 964/G02 F 173,000.00 ZZ 360 173,000.00 1 6.000 1,037.22 53 5.750 1,037.22 AUBURN CA 95603 2 03/04/03 00 0435593793 05 05/01/03 0 345925 O 04/01/33 0 8553509 964/G02 F 231,000.00 ZZ 360 231,000.00 1 6.250 1,422.31 44 6.000 1,422.31 NEWARK CA 94560 2 02/27/03 00 0435561642 05 05/01/03 0 350060 O 04/01/33 0 8553511 964/G02 F 156,000.00 ZZ 360 156,000.00 1 6.125 947.87 80 5.875 947.87 BEND OR 97701 2 02/28/03 00 0435570346 05 05/01/03 0 360194 N 04/01/33 0 8553519 964/G02 F 520,000.00 ZZ 360 520,000.00 1 6.125 3,159.58 70 5.875 3,159.58 LOS ANGELES CA 90004 5 02/27/03 00 0435562905 05 05/01/03 0 350425 O 04/01/33 0 1 8553523 964/G02 F 322,000.00 ZZ 360 321,679.45 1 6.000 1,930.55 55 5.750 1,930.55 SAN JOSE CA 95121 2 02/24/03 00 0435566542 05 04/01/03 0 351515 O 03/01/33 0 8553527 964/G02 F 190,000.00 ZZ 360 189,801.63 1 5.750 1,108.79 55 5.500 1,108.79 TAHOE VISTA CA 96148 5 02/26/03 00 0435569439 03 04/01/03 0 346444 O 03/01/33 0 8553531 964/G02 F 111,800.00 ZZ 360 111,691.34 1 6.125 679.31 61 5.875 679.31 LAS VEGAS NV 89110 2 02/27/03 00 0435564414 05 04/01/03 0 347118 O 03/01/33 0 8553543 964/G02 F 241,500.00 ZZ 360 241,500.00 1 5.875 1,428.56 75 5.625 1,428.56 SEATTLE WA 98115 5 03/01/03 00 0435572235 05 05/01/03 0 348460 O 04/01/33 0 8553561 964/G02 F 220,000.00 ZZ 360 220,000.00 1 6.000 1,319.01 66 5.750 1,319.01 GROVER BEACH CA 93433 5 03/04/03 00 0435589841 05 05/01/03 0 348905 O 04/01/33 0 8553565 964/G02 F 225,600.00 ZZ 360 225,600.00 1 6.125 1,370.77 80 5.875 1,370.77 1 RANCHO CUCAMONG CA 91730 1 03/05/03 00 0435563168 05 05/01/03 0 365101 O 04/01/33 0 8553571 964/G02 F 134,500.00 ZZ 360 134,359.57 1 5.750 784.91 69 5.500 784.91 TYGH VALLEY OR 97063 2 02/12/03 00 0435587324 05 04/01/03 0 294154 O 03/01/33 0 8553573 964/G02 F 120,000.00 ZZ 360 120,000.00 1 6.125 729.13 24 5.875 729.13 SAN ANSELMO CA 94960 2 03/03/03 00 0435567557 05 05/01/03 0 314929 O 04/01/33 0 8553589 964/G02 F 270,000.00 ZZ 360 269,743.81 1 6.250 1,662.44 71 6.000 1,662.44 SAN DIMAS CA 91773 5 02/19/03 00 0435572995 05 04/01/03 0 335497 O 03/01/33 0 8553595 964/G02 F 229,000.00 ZZ 360 229,000.00 1 6.625 1,466.31 79 6.375 1,466.31 SAMMAMISH WA 98074 5 03/05/03 00 0435565676 05 05/01/03 0 310410 O 04/01/33 0 8553605 964/G02 F 125,000.00 ZZ 360 125,000.00 1 5.750 729.47 50 5.500 729.47 SANGER CA 93657 5 03/05/03 00 0435571989 05 05/01/03 0 329451 O 04/01/33 0 1 8553611 964/G02 F 306,000.00 ZZ 360 306,000.00 1 5.375 1,713.51 49 5.125 1,713.51 BELLEVUE WA 98005 2 03/03/03 00 0435569397 03 05/01/03 0 330997 O 04/01/33 0 8553615 M18/G02 F 217,500.00 ZZ 360 217,500.00 1 6.500 1,374.75 90 6.250 1,374.75 LONG BEACH CA 90805 1 03/07/03 11 0435566187 05 05/01/03 25 980102326 O 04/01/33 0 8553623 964/G02 F 240,000.00 ZZ 360 239,749.42 1 5.750 1,400.58 67 5.500 1,400.58 ROCKLIN CA 95765 2 02/25/03 00 0435562046 05 04/01/03 0 331463 O 03/01/33 0 8553643 964/G02 F 238,800.00 ZZ 360 238,573.42 1 6.250 1,470.33 60 6.000 1,470.33 FREMONT CA 94538 2 02/25/03 00 0435561535 05 04/01/03 0 345727 O 03/01/33 0 8553659 964/G02 F 202,500.00 ZZ 360 202,303.18 1 6.125 1,230.41 75 5.875 1,230.41 NORTH HOLLYWOOD CA 91606 5 02/21/03 00 0435562236 05 04/01/03 0 338682 O 03/01/33 0 8553663 964/G02 F 193,000.00 ZZ 360 193,000.00 1 1 6.000 1,157.13 62 5.750 1,157.13 HUNTINGTON BEAC CA 92646 2 02/27/03 00 0435564349 01 05/01/03 0 340256 O 04/01/33 0 8553673 964/G02 F 197,000.00 ZZ 360 197,000.00 1 6.375 1,229.02 79 6.125 1,229.02 LAS VEGAS NV 89123 5 03/03/03 00 0435564174 05 05/01/03 0 357468 O 04/01/33 0 8553699 964/G02 F 183,500.00 ZZ 360 183,500.00 1 6.125 1,114.97 44 5.875 1,114.97 SALINAS CA 93907 5 02/27/03 00 0435594049 05 05/01/03 0 350927 O 04/01/33 0 8553713 964/G02 F 177,450.00 ZZ 360 177,273.35 1 6.000 1,063.90 33 5.750 1,063.90 YORBA LINDA CA 92886 2 02/27/03 00 0435564950 05 04/01/03 0 355039 O 03/01/33 0 8553783 F89/G02 F 88,000.00 ZZ 360 88,000.00 1 5.875 520.55 78 5.625 520.55 LANCASTER CA 93534 5 03/12/03 00 0435562012 01 05/01/03 0 10628684 N 04/01/33 0 8553787 E47/G02 F 370,000.00 ZZ 360 370,000.00 1 6.375 2,308.32 71 6.125 2,308.32 SAN JUAN CAPIST CA 92675 1 03/12/03 00 0435569256 03 05/01/03 0 1 7329030043 N 04/01/33 0 8553825 420/G02 F 214,000.00 ZZ 360 214,000.00 1 6.125 1,300.29 63 5.875 1,300.29 SANTA ROSA CA 95407 2 03/05/03 00 0435568266 05 05/01/03 0 73000844 O 04/01/33 0 8553843 U05/G02 F 375,250.00 ZZ 360 375,250.00 1 6.875 2,465.13 95 6.625 2,465.13 GLENN DALE MD 20769 1 03/17/03 10 0435573050 05 05/01/03 30 3305688 O 04/01/33 0 8553845 964/G02 F 77,600.00 ZZ 360 77,448.76 1 6.125 471.51 80 5.875 471.51 SCOTTSDALE AZ 85251 2 01/31/03 00 0435557350 01 03/01/03 0 332897 N 02/01/33 0 8553865 X31/G02 F 176,250.00 ZZ 360 176,250.00 1 6.375 1,099.57 77 6.125 1,099.57 JUNCTION CITY OR 97448 5 03/12/03 00 0435589759 05 05/01/03 0 59000364 O 04/01/33 0 8553899 420/G02 F 135,000.00 ZZ 360 135,000.00 1 6.125 820.27 45 5.875 820.27 SANTA ROSA CA 95407 5 03/07/03 00 0435567029 03 05/01/03 0 73000453 O 04/01/33 0 1 8553901 X31/G02 F 126,000.00 ZZ 360 126,000.00 1 6.000 755.43 79 5.750 755.43 LAS VEGAS NV 89142 5 03/06/03 00 0435583570 05 05/01/03 0 71000066 O 04/01/33 0 8553909 K15/G02 F 171,700.00 ZZ 360 171,700.00 1 6.625 1,099.41 85 6.375 1,099.41 COVENTRY RI 02831 5 03/11/03 41 0435569702 05 05/01/03 12 029705507181 O 04/01/33 0 8553931 U96/G02 F 239,900.00 ZZ 360 239,900.00 1 6.000 1,438.32 80 5.750 1,438.32 KAPOLEI HI 96707 1 03/14/03 00 0435564448 03 05/01/03 0 30300450 N 04/01/33 0 8553935 W68/G02 F 46,800.00 ZZ 360 46,759.71 1 6.750 303.54 70 6.500 303.54 SAN LEON TX 77539 2 02/27/03 00 0435568068 05 04/01/03 0 3021771 N 03/01/33 0 8553947 Q14/G02 F 217,000.00 ZZ 360 217,000.00 1 6.250 1,336.11 65 6.000 1,336.11 STILWELL KS 66085 5 03/21/03 00 0435569751 05 05/01/03 0 0000311903 O 04/01/33 0 8553951 W40/G02 F 195,500.00 ZZ 360 195,500.00 2 6.500 1,235.69 85 6.250 1,235.69 1 COTTONWOOD AZ 86326 5 03/19/03 10 0435573993 05 05/01/03 12 100017883 O 04/01/33 0 8553965 K15/G02 F 82,000.00 ZZ 360 82,000.00 1 6.875 538.68 85 6.625 538.68 MIDDLETOWN CT 06457 5 03/10/03 41 0435569777 01 05/01/03 12 037905507566 O 04/01/33 0 8554089 B23/G02 F 200,000.00 ZZ 360 200,000.00 2 6.625 1,280.62 72 6.375 1,280.62 SOUTH GATE CA 90280 5 03/17/03 00 0435571294 05 05/01/03 0 80000359 O 04/01/33 0 8554179 825/G02 F 500,000.00 ZZ 360 500,000.00 1 5.875 2,957.69 48 5.625 2,957.69 SILVERTHORNE CO 80498 5 03/14/03 00 0435568118 05 05/01/03 0 HAMMER05033 O 04/01/33 0 8554213 E47/G02 F 204,000.00 ZZ 360 204,000.00 1 6.125 1,239.53 80 5.875 1,239.53 LOS ANGELES CA 91504 2 03/03/03 00 0435578174 01 05/01/03 0 7331014896 O 04/01/33 0 8554541 E57/G02 F 225,000.00 ZZ 360 225,000.00 1 6.125 1,367.12 79 5.875 1,367.12 LA MIRADA CA 90638 2 03/07/03 00 0435568027 05 05/01/03 0 06014238 N 04/01/33 0 1 8555097 E22/G02 F 109,250.00 ZZ 360 109,250.00 1 7.375 754.56 95 7.125 754.56 POMPANO BEACH FL 33068 5 03/20/03 10 0415905512 05 05/01/03 30 0415905512 O 04/01/33 0 8555099 E22/G02 F 484,000.00 ZZ 360 484,000.00 3 6.875 3,179.54 80 6.625 3,179.54 PROVINCETOWN MA 02657 1 03/26/03 00 0415921139 05 05/01/03 0 0415921139 N 04/01/33 0 8555101 E22/G02 F 170,000.00 ZZ 360 170,000.00 1 6.250 1,046.72 78 6.000 1,046.72 FARMINGTON NM 87401 5 03/21/03 00 0415925981 05 05/01/03 0 0415925981 O 04/01/33 0 8555113 E22/G02 F 121,500.00 ZZ 360 121,500.00 1 6.250 748.10 74 6.000 748.10 MINNEAPOLIS MN 55422 5 03/21/03 00 0415993567 05 05/01/03 0 0415993567 O 04/01/33 0 8555117 E22/G02 F 165,000.00 ZZ 360 165,000.00 1 5.875 976.04 75 5.625 976.04 LOXAHATCHEE FL 33470 2 03/21/03 00 0416039410 05 05/01/03 0 0416039410 O 04/01/33 0 8555173 E22/G02 F 212,000.00 ZZ 360 212,000.00 1 1 6.375 1,322.60 80 6.125 1,322.60 NEVADA CITY CA 95959 5 03/19/03 00 0416162873 05 05/01/03 0 0416162873 O 04/01/33 0 8555175 E22/G02 F 160,000.00 ZZ 360 160,000.00 1 6.125 972.18 80 5.875 972.18 AURORA CO 80017 5 03/21/03 00 0416163988 05 05/01/03 0 0416163988 O 04/01/33 0 8555259 E22/G02 F 116,000.00 ZZ 360 116,000.00 1 6.375 723.69 79 6.125 723.69 RICHMOND TX 77469 5 03/18/03 00 0416301661 03 05/01/03 0 0416301661 O 04/01/33 0 8555283 E22/G02 F 183,200.00 ZZ 360 183,200.00 2 6.625 1,173.05 80 6.375 1,173.05 OLYMPIA WA 98513 1 03/17/03 00 0416334738 05 05/01/03 0 0416334738 N 04/01/33 0 8555287 E22/G02 F 183,200.00 ZZ 360 183,200.00 2 6.625 1,173.05 80 6.375 1,173.05 OLYMPIA WA 98513 1 03/17/03 00 0416334951 05 05/01/03 0 0416334951 N 04/01/33 0 8555319 E22/G02 F 180,000.00 ZZ 360 180,000.00 1 6.250 1,108.29 80 6.000 1,108.29 ARVADA CO 80004 1 03/25/03 00 0416376952 05 05/01/03 0 1 0416376952 N 04/01/33 0 8555343 E22/G02 F 116,000.00 ZZ 360 116,000.00 1 6.125 704.83 80 5.875 704.83 OAK PARK MI 48237 5 03/20/03 00 0416392611 05 05/01/03 0 0416392611 O 04/01/33 0 8555347 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 6.250 615.72 80 6.000 615.72 MORRILL NE 69358 5 03/21/03 00 0416395440 05 05/01/03 0 0416395440 O 04/01/33 0 8555357 E22/G02 F 183,200.00 ZZ 360 183,200.00 2 6.625 1,173.05 80 6.375 1,173.05 OLYMPIA WA 98513 1 03/19/03 00 0416398873 05 05/01/03 0 0416398873 N 04/01/33 0 8555415 E22/G02 F 149,350.00 ZZ 360 149,350.00 1 7.125 1,006.20 95 6.875 1,006.20 MIAMI FL 33186 1 03/25/03 11 0416475507 05 05/01/03 30 0416475507 O 04/01/33 0 8555459 E22/G02 F 276,000.00 ZZ 360 276,000.00 1 6.375 1,721.88 80 6.125 1,721.88 MIDDLETON ID 83644 2 03/21/03 00 0415708254 05 05/01/03 0 0415708254 O 04/01/33 0 1 8555467 E22/G02 F 77,500.00 ZZ 360 77,500.00 1 6.500 489.85 62 6.250 489.85 GORHAM ME 04038 5 03/20/03 00 0416064103 05 05/01/03 0 0416064103 O 04/01/33 0 8555493 E22/G02 F 119,300.00 ZZ 360 119,300.00 2 5.750 696.20 75 5.500 696.20 SPOKANE WA 99206 5 03/14/03 00 0416100980 05 05/01/03 0 0416100980 O 04/01/33 0 8555545 E22/G02 F 585,000.00 ZZ 360 585,000.00 2 6.125 3,554.52 75 5.875 3,554.52 SAN FRANCISCO CA 94131 2 03/17/03 00 0416196517 05 05/01/03 0 0416196517 O 04/01/33 0 8555547 E22/G02 F 265,500.00 ZZ 360 265,500.00 1 6.625 1,700.03 90 6.375 1,700.03 EL PASO TX 79924 1 03/25/03 01 0416197804 05 05/01/03 25 0416197804 O 04/01/33 0 8555575 E22/G02 F 204,000.00 ZZ 360 204,000.00 1 6.750 1,323.14 80 6.500 1,323.14 LAFAYETTE CO 80026 2 03/21/03 00 0416207835 05 05/01/03 0 0416207835 O 04/01/33 0 8555613 E22/G02 F 76,500.00 ZZ 360 76,500.00 1 7.500 534.90 90 7.250 534.90 1 SAN JOAQUIN CA 93660 1 03/11/03 04 0416264190 05 05/01/03 25 0416264190 N 04/01/33 0 8555719 E22/G02 F 124,800.00 ZZ 360 124,800.00 1 6.125 758.30 80 5.875 758.30 RIVERTON UT 84065 2 03/20/03 00 0416348043 05 05/01/03 0 0416348043 O 04/01/33 0 8555749 E22/G02 F 156,000.00 ZZ 240 156,000.00 1 5.875 1,106.41 80 5.625 1,106.41 PENSACOLA FL 32526 5 03/20/03 00 0416355691 05 05/01/03 0 0416355691 O 04/01/23 0 8555753 E22/G02 F 304,000.00 ZZ 360 304,000.00 1 6.000 1,822.63 76 5.750 1,822.63 WOODINVILLE WA 98072 5 03/18/03 00 0416356962 05 05/01/03 0 0416356962 O 04/01/33 0 8555803 E22/G02 F 449,467.00 ZZ 360 449,467.00 1 5.875 2,658.77 80 5.625 2,658.77 VALLEJO CA 94591 1 03/14/03 00 0416404747 05 05/01/03 0 0416404747 O 04/01/33 0 8555825 E22/G02 F 146,400.00 ZZ 360 146,400.00 1 6.500 925.35 80 6.250 925.35 CITRUS HEIGHTS CA 95610 5 03/17/03 00 0416411239 05 05/01/03 0 0416411239 O 04/01/33 0 1 8555845 E22/G02 F 420,000.00 ZZ 360 420,000.00 1 6.000 2,518.11 70 5.750 2,518.11 ANAHEIM CA 92807 5 03/18/03 00 0416420628 03 05/01/03 0 0416420628 O 04/01/33 0 8555869 E22/G02 F 105,000.00 ZZ 360 105,000.00 1 6.125 637.99 75 5.875 637.99 BEND OR 97707 2 03/18/03 00 0416454023 03 05/01/03 0 0416454023 N 04/01/33 0 8555889 E22/G02 F 201,400.00 ZZ 360 201,400.00 1 6.375 1,256.47 95 6.125 1,256.47 DENVER CO 80221 5 03/20/03 01 0416465417 05 05/01/03 30 0416465417 O 04/01/33 0 8555903 E22/G02 F 182,000.00 ZZ 360 182,000.00 4 6.500 1,150.36 80 6.250 1,150.36 SALEM OR 97305 1 03/19/03 00 0416503845 05 05/01/03 0 0416503845 N 04/01/33 0 8555909 E22/G02 F 114,500.00 ZZ 360 114,500.00 1 6.000 686.49 78 5.750 686.49 VANCOUVER WA 98664 5 03/19/03 00 0416509271 05 05/01/03 0 0416509271 O 04/01/33 0 8555919 E22/G02 F 221,000.00 ZZ 360 221,000.00 1 1 6.250 1,360.74 65 6.000 1,360.74 ANAHEIM CA 92807 5 03/18/03 00 0416528602 05 05/01/03 0 0416528602 O 04/01/33 0 8555921 E22/G02 F 260,000.00 ZZ 360 260,000.00 1 6.000 1,558.83 80 5.750 1,558.83 WAPATO WA 98951 5 03/19/03 00 0416529923 05 05/01/03 0 0416529923 O 04/01/33 0 8555925 E22/G02 F 562,500.00 ZZ 360 562,500.00 1 6.000 3,372.47 75 5.750 3,372.47 GRANITE BAY CA 95650 2 03/17/03 00 0416544203 05 05/01/03 0 0416544203 O 04/01/33 0 8555971 P67/G02 F 500,000.00 ZZ 360 500,000.00 1 6.250 3,078.59 80 6.000 3,078.59 NEWTON MA 02465 5 03/22/03 00 0435579909 05 05/01/03 0 676731 O 04/01/33 0 8556725 F62/F62 F 163,500.00 ZZ 360 163,500.00 1 6.375 1,020.03 21 6.125 1,020.03 MIAMI FL 33143 5 03/17/03 00 32611 05 05/01/03 0 32611 O 04/01/33 0 8556939 N47/G02 F 257,900.00 ZZ 360 257,900.00 3 6.125 1,567.03 58 5.875 1,567.03 SAN LEANDRO CA 94578 5 03/11/03 00 0435577184 05 05/01/03 0 1 20502631 O 04/01/33 0 8556941 W35/G02 F 52,000.00 ZZ 360 52,000.00 1 6.750 337.28 70 6.500 337.28 KOKOMO IN 46901 5 03/20/03 00 0435571963 05 05/01/03 0 18436 O 04/01/33 0 8556949 W08/G02 F 116,000.00 ZZ 360 116,000.00 1 6.250 714.23 80 6.000 714.23 MIAMI FL 33147 5 03/25/03 00 0435567912 05 05/01/03 0 022496MG O 04/01/33 0 8557023 F34/G02 F 139,980.00 ZZ 360 139,980.00 1 6.500 884.77 70 6.250 884.77 SALT LAKE CITY UT 84108 2 03/13/03 00 0435574868 05 05/01/03 0 45301049 O 04/01/33 0 8557025 K15/G02 F 134,500.00 ZZ 360 134,500.00 1 5.875 795.62 78 5.625 795.62 LINCOLN DE 19960 5 03/13/03 00 0435576392 05 05/01/03 0 013805512135 O 04/01/33 0 8557053 N74/G02 F 127,500.00 ZZ 360 127,379.02 1 6.250 785.04 85 6.000 785.04 LEWISVILLE NC 27023 5 03/20/03 10 0435575212 05 04/25/03 12 0032004010 O 03/25/33 0 1 8557055 K15/G02 F 106,700.00 ZZ 360 106,700.00 1 6.125 648.32 80 5.875 648.32 MERRIMACK NH 03054 5 03/20/03 00 0435584651 02 05/01/03 0 033105511862 O 04/01/33 0 8557185 H58/G02 F 253,000.00 ZZ 360 253,000.00 1 6.000 1,516.86 80 5.750 1,516.86 TRACY CA 95377 2 03/11/03 00 0435586094 05 05/01/03 0 0000144092 O 04/01/33 0 8557483 U05/G02 F 229,500.00 ZZ 360 229,500.00 1 6.375 1,431.78 90 6.125 1,431.78 TACOMA WA 98466 2 03/12/03 14 0435571427 05 05/01/03 25 3324518 O 04/01/33 0 8557499 U05/G02 F 370,500.00 ZZ 360 370,139.89 1 6.125 2,251.20 65 5.875 2,251.20 EL DORADO HILLS CA 95762 5 02/26/03 00 0435571997 05 04/01/03 0 3314191 O 03/01/33 0 8557509 U05/G02 F 200,000.00 TX 360 200,000.00 1 6.000 1,199.10 55 5.750 1,199.10 TEXARKANA TX 75503 5 03/13/03 00 0435567110 05 05/01/03 0 3325841 O 04/01/33 0 8557573 K15/G02 F 142,400.00 ZZ 360 142,400.00 1 6.250 876.78 80 6.000 876.78 1 PEMBROKE NH 03275 5 03/18/03 00 0435572748 05 05/01/03 0 033605512708 O 04/01/33 0 8557581 K15/G02 F 187,000.00 ZZ 360 187,000.00 1 6.625 1,197.38 85 6.375 1,197.38 CENTRAL ISLIP NY 11722 2 03/11/03 41 0435577861 05 05/01/03 12 020705509842 O 04/01/33 0 8557695 F62/F62 F 120,000.00 ZZ 360 120,000.00 1 6.250 738.86 66 6.000 738.86 DAVIE FL 33324 5 03/19/03 00 MFCD3120 07 05/01/03 0 MFCD3120 O 04/01/33 0 8557789 144/144 F 136,200.00 ZZ 360 136,061.14 4 5.875 805.67 62 5.625 805.67 KINGSTON NY 12401 2 02/05/03 00 160713248 05 04/01/03 0 160713248 N 03/01/33 0 8557791 T29/G02 F 196,700.00 ZZ 360 196,700.00 1 6.125 1,195.17 78 5.875 1,195.17 PEORIA AZ 85383 5 03/06/03 00 0435597117 03 05/01/03 0 1530446 O 04/01/33 0 8557865 B57/G02 F 120,000.00 ZZ 360 120,000.00 1 6.000 719.46 33 5.750 719.46 NORWALK CA 90650 1 03/06/03 00 0435570296 05 05/01/03 0 40000184 O 04/01/33 0 1 8558055 E22/G02 F 191,250.00 ZZ 360 191,250.00 1 5.875 1,131.32 85 5.625 1,131.32 LAKE WORTH FL 33467 1 03/27/03 01 0416286359 05 05/01/03 12 0416286359 O 04/01/33 0 8558071 E22/G02 F 114,000.00 ZZ 360 114,000.00 1 6.000 683.49 62 5.750 683.49 CHESAPEAKE VA 23320 2 03/25/03 00 0416310399 03 05/01/03 0 0416310399 N 04/01/33 0 8558131 E22/G02 F 81,548.00 ZZ 360 81,548.00 1 6.000 488.92 79 5.750 488.92 RICHLAND WA 99352 1 03/21/03 00 0416398287 05 05/01/03 0 0416398287 O 04/01/33 0 8558187 E22/G02 F 372,000.00 ZZ 360 372,000.00 1 6.250 2,290.47 80 6.000 2,290.47 SAN JOSE CA 95124 5 03/17/03 00 0416530616 05 05/01/03 0 0416530616 O 04/01/33 0 8558239 E22/G02 F 178,000.00 ZZ 360 178,000.00 1 6.000 1,067.20 76 5.750 1,067.20 GARDENA CA 90247 5 03/19/03 00 0416237386 05 05/01/03 0 0416237386 O 04/01/33 0 8558245 E22/G02 F 227,695.00 ZZ 360 227,695.00 1 1 6.125 1,383.50 76 5.875 1,383.50 SYRACUSE UT 84075 2 03/19/03 00 0416258622 05 05/01/03 0 0416258622 O 04/01/33 0 8558287 E82/G02 F 194,800.00 ZZ 360 194,800.00 2 6.500 1,231.27 64 6.250 1,231.27 STATEN ISLAND NY 10306 2 03/28/03 00 0400760039 05 05/01/03 0 0400760039 N 04/01/33 0 8558297 E82/G02 F 259,300.00 ZZ 360 259,300.00 1 6.250 1,596.55 69 6.000 1,596.55 RENO NV 89509 2 03/24/03 00 0400798294 05 05/01/03 0 0400798294 O 04/01/33 0 8558383 E82/G02 F 127,800.00 ZZ 360 127,800.00 1 6.125 776.53 68 5.875 776.53 NORWALK CA 90650 2 03/21/03 00 0400801874 05 05/01/03 0 0400801874 O 04/01/33 0 8558397 E82/G02 F 148,000.00 ZZ 360 148,000.00 1 6.125 899.26 79 5.875 899.26 PORTLAND OR 97202 2 03/24/03 00 0400796835 05 05/01/03 0 0400796835 O 04/01/33 0 8558855 K15/G02 F 319,500.00 ZZ 360 319,500.00 2 6.125 1,941.32 87 5.875 1,941.32 INWOOD NY 11096 5 03/11/03 41 0435572011 05 05/01/03 25 1 011205512427 O 04/01/33 0 8558965 X91/G02 F 200,000.00 ZZ 360 200,000.00 1 5.750 1,167.15 44 5.500 1,167.15 HAIKU HI 96708 5 03/13/03 00 0435570221 05 05/01/03 0 804258 O 04/01/33 0 8559377 825/G02 F 380,000.00 ZZ 360 380,000.00 1 6.375 2,370.71 80 6.125 2,370.71 NEWARK CA 94560 5 03/25/03 00 0435572953 05 05/01/03 0 HARTEAU O 04/01/33 0 8559411 M27/G02 F 210,000.00 ZZ 360 210,000.00 1 5.875 1,242.23 55 5.625 1,242.23 EFLAND NC 27243 2 03/17/03 00 0435579594 05 05/01/03 0 100029138 O 04/01/33 0 8559431 Q14/G02 F 99,300.00 ZZ 360 99,300.00 1 6.875 652.33 91 6.625 652.33 INDEPENDENCE MO 64050 5 03/19/03 01 0435583059 05 05/01/03 30 00003-12058 O 04/01/33 0 8559589 Q14/G02 F 173,100.00 ZZ 360 172,692.44 1 7.250 1,180.85 90 7.000 1,180.85 PHOENIX AZ 85043 1 12/23/02 01 0435597299 05 02/01/03 25 0000210316 O 01/01/33 0 1 8559591 P67/G02 F 141,500.00 ZZ 360 141,500.00 3 6.250 871.24 67 6.000 871.24 FITCHBURG MA 01420 2 03/24/03 00 0435580410 05 05/01/03 0 6518 O 04/01/33 0 8559623 K60/G02 F 99,000.00 ZZ 360 99,000.00 1 6.000 593.56 90 5.750 593.56 WICHITA KS 67218 5 03/13/03 04 0435578075 05 05/01/03 25 75598 O 04/01/33 0 8559661 K60/G02 F 80,000.00 ZZ 360 80,000.00 1 6.625 512.25 76 6.375 512.25 GLADEWATER TX 75647 2 03/19/03 00 0435575196 05 05/01/03 0 0001045695 O 04/01/33 0 8559781 A39/G02 F 624,000.00 ZZ 360 624,000.00 1 6.125 3,791.49 80 5.875 3,791.49 SIMI VALLEY CA 93065 5 03/21/03 00 0435581590 03 05/01/03 0 2300583RFC O 04/01/33 0 8559871 L20/G02 F 104,080.00 ZZ 360 104,080.00 1 6.000 624.01 78 5.750 624.01 CLINTON UT 84015 1 03/25/03 00 0435600960 05 05/01/03 0 1061070221 O 04/01/33 0 8559891 U05/G02 F 240,000.00 ZZ 360 240,000.00 1 6.250 1,477.72 80 6.000 1,477.72 1 BELGRADE MT 59714 5 03/10/03 00 0435570106 05 05/01/03 0 3322483 O 04/01/33 0 8559983 U05/G02 F 169,500.00 TX 360 169,500.00 1 6.125 1,029.90 80 5.875 1,029.90 FLOWER MOUND TX 75028 5 03/13/03 00 0435570254 03 05/01/03 0 3320399 O 04/01/33 0 8560017 408/G02 F 98,000.00 ZZ 360 97,909.23 1 6.375 611.40 100 6.125 611.40 OKLAHOMA CITY OK 73170 1 02/28/03 01 0435575428 05 04/01/03 35 703033813 O 03/01/33 0 8560069 E47/G02 F 280,000.00 ZZ 360 280,000.00 1 6.000 1,678.74 80 5.750 1,678.74 ALISO VIEJO CA 92656 5 03/11/03 00 0435568159 01 05/01/03 0 7331014972 O 04/01/33 0 8560135 420/G02 F 202,400.00 ZZ 360 202,400.00 1 6.375 1,262.71 80 6.125 1,262.71 WALNUT CREEK CA 94595 1 03/17/03 00 0435572920 01 05/01/03 0 95300016 O 04/01/33 0 8560143 U05/G02 F 77,500.00 ZZ 360 77,500.00 1 6.500 489.85 51 6.250 489.85 LONGVIEW WA 98632 5 03/10/03 00 0435579537 05 05/01/03 0 3320305 O 04/01/33 0 1 8560149 975/G02 F 345,000.00 ZZ 360 345,000.00 1 6.000 2,068.45 80 5.750 2,068.45 FOUNTAIN VALLEY CA 92708 5 03/03/03 00 0435577531 05 05/01/03 0 2031068 O 04/01/33 0 8560495 477/G02 F 210,400.00 ZZ 360 210,400.00 1 6.250 1,295.47 80 6.000 1,295.47 YORBA LINDA CA 92886 5 03/04/03 00 0435572375 01 05/01/03 0 235890 O 04/01/33 0 8560541 X89/G02 F 247,000.00 ZZ 360 247,000.00 1 6.250 1,520.82 78 6.000 1,520.82 GARDEN GROVE CA 92840 5 03/15/03 00 0435595384 05 05/01/03 0 1010241947 O 04/01/33 0 8561667 E82/G02 F 72,100.00 T 360 72,100.00 1 6.125 438.09 49 5.875 438.09 CAVE CREEK AZ 85331 2 03/24/03 00 0400766838 05 05/01/03 0 0400766838 O 04/01/33 0 8561675 E82/G02 F 102,500.00 T 360 102,500.00 1 6.125 622.80 49 5.875 622.80 NEVADA CITY CA 95959 2 03/26/03 00 0400793394 05 05/01/03 0 0400793394 O 04/01/33 0 8561679 E82/G02 F 108,800.00 ZZ 360 108,800.00 1 1 6.250 669.90 80 6.000 669.90 ASHEVILLE NC 28805 5 03/25/03 00 0400781522 05 05/01/03 0 0400781522 O 04/01/33 0 8561691 E82/G02 F 62,400.00 ZZ 360 62,400.00 1 6.125 379.15 62 5.875 379.15 SHARON SC 29742 2 03/26/03 00 0400800892 05 05/01/03 0 0400800892 O 04/01/33 0 8561711 E82/G02 F 377,600.00 ZZ 360 377,600.00 4 6.750 2,449.11 87 6.500 2,449.11 CHICAGO IL 60639 2 03/21/03 04 0400787727 05 05/01/03 25 0400787727 O 04/01/33 0 8561985 W02/G02 F 92,150.00 ZZ 360 92,150.00 1 6.625 590.05 95 6.375 590.05 ORMOND BEACH FL 32174 5 03/19/03 12 0435578893 05 05/01/03 30 1002090875 O 04/01/33 0 8562493 962/G02 F 120,600.00 ZZ 360 120,600.00 2 7.000 802.35 90 6.750 802.35 FARGO ND 58103 2 03/31/03 04 0435581947 05 05/01/03 25 1 N 04/01/33 0 8562497 W93/G02 F 119,484.00 ZZ 360 119,484.00 1 6.000 716.37 80 5.750 716.37 BOISE ID 83709 1 03/13/03 00 0435577077 03 05/01/03 0 1 60450840 O 04/01/33 0 8562501 S11/G02 F 170,400.00 ZZ 360 170,400.00 1 6.250 1,049.18 80 6.000 1,049.18 APPLE VALLEY CA 92307 5 03/11/03 00 0435577341 05 05/01/03 0 10211121 O 04/01/33 0 8562505 W93/G02 F 173,600.00 ZZ 360 173,600.00 1 6.500 1,097.27 80 6.250 1,097.27 GOLD CANYON AZ 85218 1 03/06/03 00 0435576525 03 05/01/03 0 88431263 O 04/01/33 0 8562509 W40/G02 F 150,000.00 ZZ 360 150,000.00 1 6.000 899.33 67 5.750 899.33 SCOTTSDALE AZ 85254 5 03/20/03 00 0435602628 05 05/01/03 0 100018656 O 04/01/33 0 8562511 W93/G02 F 82,800.00 ZZ 360 82,800.00 1 6.250 509.82 80 6.000 509.82 MESA AZ 85201 1 03/12/03 00 0435577150 01 05/01/03 0 88431309 O 04/01/33 0 8562515 W93/G02 F 94,000.00 ZZ 360 94,000.00 1 6.750 609.69 80 6.500 609.69 ESPANOLA NM 87532 1 03/07/03 00 0435577408 05 05/01/03 0 35436800 O 04/01/33 0 1 8562523 W93/G02 F 135,200.00 ZZ 360 135,077.77 1 6.500 854.56 80 6.250 854.56 BOISE ID 83706 1 03/04/03 00 0435576723 05 04/01/03 0 59445418 O 03/01/33 0 8562555 L20/G02 F 109,200.00 ZZ 360 109,200.00 1 6.000 654.71 80 5.750 654.71 WEST HAVEN UT 84401 1 03/26/03 00 0435571815 05 05/01/03 0 1061070237 O 04/01/33 0 8562573 950/G02 F 217,600.00 ZZ 360 217,600.00 1 6.625 1,393.32 80 6.375 1,393.32 SEATTLE WA 98106 2 03/07/03 00 0435577994 05 05/01/03 0 E132009 O 04/01/33 0 8562605 P48/G02 F 138,000.00 ZZ 360 138,000.00 1 6.500 872.25 88 6.250 872.25 PRESCOTT WI 54021 5 03/26/03 01 0435591797 05 05/01/03 25 11284531 O 04/01/33 0 8562617 B28/G02 F 128,350.00 ZZ 360 128,350.00 1 6.875 843.17 68 6.625 843.17 WESTMINSTER CO 80234 1 03/13/03 00 0435574025 01 05/01/03 0 02100157 O 04/01/33 0 8562695 N47/G02 F 506,500.00 ZZ 360 506,500.00 1 6.125 3,077.55 70 5.875 3,077.55 1 SAN CARLOS CA 94070 5 03/14/03 00 0435606736 05 05/01/03 0 20504052 O 04/01/33 0 8562799 X60/G02 F 195,800.00 ZZ 360 195,800.00 1 5.875 1,158.23 80 5.625 1,158.23 SEATTLE WA 98146 5 03/13/03 00 0435578505 05 05/01/03 0 1030289 O 04/01/33 0 8562939 N47/G02 F 488,000.00 ZZ 360 488,000.00 1 6.125 2,965.14 72 5.875 2,965.14 WALNUT CREEK CA 94597 2 03/20/03 00 0435669668 05 05/01/03 0 30502746 O 04/01/33 0 8562957 B28/G02 F 50,700.00 ZZ 360 50,700.00 1 6.875 333.07 65 6.625 333.07 SPOKANE WA 99205 5 03/19/03 00 0435577515 05 05/01/03 0 04701025 O 04/01/33 0 8565021 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.000 1,199.10 80 5.750 1,199.10 LOS ANGELES CA 90032 5 03/24/03 00 0416303162 05 05/01/03 0 0416303162 O 04/01/33 0 8565025 E22/G02 F 94,300.00 ZZ 360 94,300.00 1 6.000 565.38 80 5.750 565.38 EAST WENATCHEE WA 98802 1 03/17/03 00 0416308112 05 05/01/03 0 0416308112 O 04/01/33 0 1 8565029 E22/G02 F 167,000.00 ZZ 360 167,000.00 1 6.000 1,001.25 56 5.750 1,001.25 MECHANICSVILLE VA 23116 2 03/25/03 00 0416310043 03 05/01/03 0 0416310043 N 04/01/33 0 8565031 E22/G02 F 266,000.00 ZZ 360 266,000.00 1 6.375 1,659.49 70 6.125 1,659.49 TORRANCE CA 90504 2 03/13/03 00 0416310142 05 05/01/03 0 0416310142 N 04/01/33 0 8565037 E22/G02 F 225,000.00 ZZ 360 225,000.00 1 6.750 1,459.35 74 6.500 1,459.35 IRVINE CA 92612 1 03/26/03 00 0416317295 01 05/01/03 0 0416317295 N 04/01/33 0 8565057 E22/G02 F 81,000.00 ZZ 360 81,000.00 1 6.500 511.98 60 6.250 511.98 FOREST VA 24551 1 03/28/03 00 0416327229 05 05/01/03 0 0416327229 O 04/01/33 0 8565079 E22/G02 F 95,500.00 ZZ 360 95,500.00 1 6.000 572.57 77 5.750 572.57 CANAL WINCHESTE OH 43110 2 03/24/03 00 0416351245 05 05/01/03 0 0416351245 O 04/01/33 0 8565101 E22/G02 F 179,900.00 ZZ 360 179,900.00 1 1 6.250 1,107.68 60 6.000 1,107.68 AUSTIN TX 78746 5 03/24/03 00 0416362408 05 05/01/03 0 0416362408 O 04/01/33 0 8565103 E22/G02 F 89,000.00 ZZ 360 89,000.00 1 6.000 533.60 71 5.750 533.60 EUSTIS FL 32726 2 03/24/03 00 0416362721 05 05/01/03 0 0416362721 O 04/01/33 0 8565113 E22/G02 F 105,000.00 ZZ 360 105,000.00 1 6.625 672.33 79 6.375 672.33 SARASOTA FL 34231 5 03/24/03 00 0416371250 05 05/01/03 0 0416371250 O 04/01/33 0 8565115 E22/G02 F 78,400.00 ZZ 360 78,400.00 1 7.000 521.60 80 6.750 521.60 KNOXVILLE TN 37938 2 03/28/03 00 0416374775 05 05/01/03 0 0416374775 N 04/01/33 0 8565153 E22/G02 F 26,400.00 ZZ 360 26,400.00 1 7.125 177.86 80 6.875 177.86 BOYNTON BEACH FL 33435 1 03/28/03 00 0416516139 01 05/01/03 0 0416416139 O 04/01/33 0 8565189 E22/G02 F 110,000.00 ZZ 360 110,000.00 1 6.125 668.37 56 5.875 668.37 CORAL SPRINGS FL 33065 1 03/28/03 00 0416435253 05 05/01/03 0 1 0416435253 O 04/01/33 0 8565229 E22/G02 F 176,000.00 ZZ 360 176,000.00 1 6.125 1,069.39 80 5.875 1,069.39 SACRAMENTO CA 95816 1 03/18/03 00 0416485282 05 05/01/03 0 0416485282 O 04/01/33 0 8565303 E22/G02 F 125,000.00 ZZ 360 125,000.00 2 6.875 821.16 34 6.625 821.16 ELIZABETH NJ 07206 5 03/28/03 00 0416545200 05 05/01/03 0 0416545200 N 04/01/33 0 8565313 E22/G02 F 270,000.00 ZZ 360 270,000.00 1 6.625 1,728.84 90 6.375 1,728.84 BOCA RATON FL 33496 1 03/28/03 04 0416557908 03 05/01/03 30 0416557908 O 04/01/33 0 8565335 E22/G02 F 105,000.00 ZZ 360 105,000.00 1 6.500 663.67 82 6.250 663.67 AMARILLO TX 79106 1 03/28/03 01 0416604676 05 05/01/03 12 0416604676 O 04/01/33 0 8565359 E22/G02 F 424,000.00 ZZ 360 424,000.00 1 7.000 2,820.88 80 6.750 2,820.88 SAN FRANCISCO CA 94115 1 03/25/03 00 0416658284 01 05/01/03 0 0416658284 O 04/01/33 0 1 8565409 E22/G02 F 268,000.00 ZZ 360 268,000.00 1 5.875 1,585.32 80 5.625 1,585.32 DENVER CO 80211 2 03/24/03 00 0416105351 05 05/01/03 0 0416105351 O 04/01/33 0 8565419 E22/G02 F 101,600.00 ZZ 360 101,600.00 1 6.125 617.33 80 5.875 617.33 IRVING TX 76645 5 03/24/03 00 0416131704 05 05/01/03 0 0416131704 O 04/01/33 0 8565429 E22/G02 F 125,200.00 ZZ 360 125,200.00 1 6.250 770.88 75 6.000 770.88 AUSTIN TX 78759 5 03/24/03 00 0416151116 05 05/01/03 0 0416151116 O 04/01/33 0 8565447 E22/G02 F 160,000.00 ZZ 360 160,000.00 1 5.875 946.46 78 5.625 946.46 MIAMI FL 33187 5 03/24/03 00 0416190437 05 05/01/03 0 0416190437 O 04/01/33 0 8565459 E22/G02 F 275,000.00 ZZ 360 275,000.00 1 6.125 1,670.93 46 5.875 1,670.93 SOUTH LAKE TAHO CA 96150 5 03/24/03 00 0416208643 05 05/01/03 0 0416208643 O 04/01/33 0 8565467 E22/G02 F 187,050.00 ZZ 360 187,050.00 1 6.625 1,197.70 79 6.375 1,197.70 1 KENNEDALE TX 76060 2 03/24/03 00 0416217917 05 05/01/03 0 0416217917 O 04/01/33 0 8565611 W35/G02 F 92,000.00 ZZ 360 92,000.00 1 5.990 551.00 80 5.740 551.00 MARION IN 46952 5 03/21/03 00 0435581871 05 05/01/03 0 18476 O 04/01/33 0 8565615 W35/G02 F 196,000.00 ZZ 360 196,000.00 1 6.000 1,175.12 79 5.750 1,175.12 LURAY VA 22835 2 03/01/03 00 0435582416 05 05/01/03 0 18161 O 04/01/33 0 8565703 K15/G02 F 186,000.00 ZZ 360 186,000.00 1 6.500 1,175.65 79 6.250 1,175.65 VACAVILLE CA 95687 5 03/20/03 00 0435580618 05 05/01/03 0 039005507971 O 04/01/33 0 8565707 E76/G02 F 224,000.00 ZZ 360 224,000.00 1 6.125 1,361.05 80 5.875 1,361.05 TALLAHASSEE FL 32312 5 03/24/03 00 0435591227 05 05/01/03 0 10022669 O 04/01/33 0 8565967 962/G02 F 57,700.00 ZZ 360 57,700.00 1 7.000 383.88 80 6.750 383.88 FARGO ND 58102 5 03/25/03 00 0435578067 05 05/01/03 0 1 O 04/01/33 0 1 8566029 962/G02 F 88,000.00 ZZ 360 88,000.00 1 6.250 541.83 80 6.000 541.83 FARGO ND 58102 5 03/31/03 00 0435577598 05 05/01/03 0 1 N 04/01/33 0 8566031 W40/G02 F 126,255.00 ZZ 360 126,255.00 1 6.125 767.14 95 5.875 767.14 LIVONIA MI 48152 1 03/21/03 10 0435618574 01 05/01/03 30 100018656 O 04/01/33 0 8566041 964/G02 F 400,000.00 ZZ 360 400,000.00 1 5.875 2,366.15 62 5.625 2,366.15 SANTA MARGARITA CA 93453 5 03/06/03 00 0435579172 05 05/01/03 0 307057 O 04/01/33 0 8566043 964/G02 F 167,950.00 ZZ 360 167,950.00 1 5.750 980.11 70 5.500 980.11 LAS VEGAS NV 89129 2 03/07/03 00 0435581681 05 05/01/03 0 356866 O 04/01/33 0 8566049 B57/G02 F 268,000.00 ZZ 360 268,000.00 1 6.375 1,671.97 80 6.125 1,671.97 VALENCIA CA 91355 1 03/12/03 00 0435598818 03 05/01/03 0 75000170 O 04/01/33 0 8566061 964/G02 F 185,000.00 ZZ 360 185,000.00 2 1 6.125 1,124.08 79 5.875 1,124.08 RANCHO CORDOVA CA 95670 5 03/04/03 00 0435580626 05 05/01/03 0 325588 O 04/01/33 0 8566073 964/G02 F 120,000.00 T 360 120,000.00 1 6.125 729.13 80 5.875 729.13 SACRAMENTO CA 95825 5 03/12/03 00 0435579933 01 05/01/03 0 345924 O 04/01/33 0 8566091 964/G02 F 390,000.00 ZZ 360 390,000.00 1 6.125 2,369.68 68 5.875 2,369.68 FOLSOM CA 95630 5 03/10/03 00 0435579727 05 05/01/03 0 354635 O 04/01/33 0 8566101 964/G02 F 408,000.00 ZZ 360 408,000.00 1 6.375 2,545.39 80 6.125 2,545.39 HUNTINGTON BEAC CA 92649 5 02/28/03 00 0435581533 05 05/01/03 0 340853 O 04/01/33 0 8566123 964/G02 F 252,000.00 ZZ 360 252,000.00 1 5.875 1,490.68 80 5.625 1,490.68 SAN LUIS OBISPO CA 93401 1 03/14/03 00 0435579628 05 05/01/03 0 369356 O 04/01/33 0 8566127 964/G02 F 188,000.00 ZZ 360 188,000.00 1 6.000 1,127.15 79 5.750 1,127.15 MONTEVIEW ID 83435 2 03/07/03 00 0435579503 05 05/01/03 0 1 346442 O 04/01/33 0 8566151 964/G02 F 630,000.00 ZZ 360 630,000.00 1 6.375 3,930.38 75 6.125 3,930.38 SAN LUIS OBISPO CA 93401 5 03/07/03 00 0435580238 05 05/01/03 0 367167 O 04/01/33 0 8566163 964/G02 F 224,000.00 ZZ 360 224,000.00 1 5.750 1,307.20 79 5.500 1,307.20 BEND OR 97701 2 03/10/03 00 0435629332 03 05/01/03 0 348767 O 04/01/33 0 8566167 964/G02 F 109,000.00 ZZ 360 109,000.00 1 6.125 662.30 89 5.875 662.30 SUGARLAND TX 77478 2 03/14/03 12 0435581079 03 05/01/03 25 367880 O 04/01/33 0 8566169 964/G02 F 243,700.00 ZZ 360 243,700.00 1 6.125 1,480.75 73 5.875 1,480.75 SANTA MARIA CA 93454 5 03/01/03 00 0435579297 05 05/01/03 0 349999 O 04/01/33 0 8566179 964/G02 F 119,000.00 ZZ 360 119,000.00 1 6.000 713.47 70 5.750 713.47 MILWAUKIE OR 97267 2 03/13/03 00 0435579677 05 05/01/03 0 357235 O 04/01/33 0 1 8566181 964/G02 F 96,000.00 ZZ 360 96,000.00 1 6.125 583.31 80 5.875 583.31 PORTLAND OR 97211 2 03/10/03 00 0435581194 05 05/01/03 0 352063 N 04/01/33 0 8566183 940/G02 F 186,000.00 ZZ 360 186,000.00 1 6.125 1,130.16 65 5.875 1,130.16 CHINO CA 91710 5 03/21/03 00 0435601125 05 05/01/03 0 40030352 N 04/01/33 0 8566187 964/G02 F 249,600.00 ZZ 360 249,600.00 1 6.375 1,557.18 80 6.125 1,557.18 ANAHEIM CA 92806 1 03/10/03 00 0435580998 05 05/01/03 0 352159 O 04/01/33 0 8566331 964/G02 F 176,250.00 ZZ 360 176,250.00 1 5.875 1,042.59 75 5.625 1,042.59 CULVER OR 97734 5 03/10/03 00 0435581004 05 05/01/03 0 334498 O 04/01/33 0 8566333 964/G02 F 81,000.00 ZZ 360 81,000.00 2 6.500 511.98 90 6.250 511.98 FRESNO CA 93703 1 03/03/03 11 0435629134 05 05/01/03 25 352557 N 04/01/33 0 8566337 964/G02 F 127,500.00 ZZ 360 127,500.00 1 5.875 754.21 75 5.625 754.21 1 YELM WA 98597 5 03/11/03 00 0435580741 05 05/01/03 0 337107 O 04/01/33 0 8566359 964/G02 F 178,400.00 ZZ 360 178,400.00 1 6.375 1,112.98 80 6.125 1,112.98 CHANDLER AZ 85248 2 03/05/03 00 0435580659 03 05/01/03 0 346023 O 04/01/33 0 8566361 964/G02 F 145,000.00 ZZ 360 145,000.00 1 6.000 869.35 77 5.750 869.35 PORTLAND OR 97217 2 02/27/03 00 0435582051 05 05/01/03 0 355378 O 04/01/33 0 8566363 964/G02 F 217,000.00 ZZ 360 217,000.00 1 6.000 1,301.02 63 5.750 1,301.02 GRASS VALLEY CA 95949 2 02/28/03 00 0435579669 05 05/01/03 0 355395 O 04/01/33 0 8566373 964/G02 F 198,000.00 ZZ 360 198,000.00 1 6.000 1,187.11 74 5.750 1,187.11 SEDONA AZ 86336 2 03/10/03 00 0435582770 05 05/01/03 0 349514 O 04/01/33 0 8566405 964/G02 F 149,400.00 ZZ 360 149,400.00 1 5.750 871.86 90 5.500 871.86 LAS VEGAS NV 89113 1 03/10/03 10 0435579776 05 05/01/03 25 360989 O 04/01/33 0 1 8566413 964/G02 F 136,500.00 ZZ 360 136,500.00 1 5.875 807.45 78 5.625 807.45 HENDERSON NV 89012 2 03/05/03 00 0435627252 09 05/01/03 0 361672 O 04/01/33 0 8566427 964/G02 F 141,000.00 ZZ 360 141,000.00 1 5.875 834.07 54 5.625 834.07 LAS VEGAS NV 89141 5 03/06/03 00 0435583224 03 05/01/03 0 364334 O 04/01/33 0 8566429 964/G02 F 83,500.00 ZZ 360 83,500.00 1 6.000 500.62 73 5.750 500.62 PHOENIX AZ 85041 5 03/10/03 00 0435580824 05 05/01/03 0 356728 O 04/01/33 0 8566431 964/G02 F 90,000.00 ZZ 360 90,000.00 1 5.875 532.38 66 5.625 532.38 NAPERVILLE IL 60563 1 03/14/03 00 0435579446 01 05/01/03 0 364571 O 04/01/33 0 8566433 964/G02 F 351,450.00 ZZ 360 351,450.00 1 6.000 2,107.12 95 5.750 2,107.12 SEATTLE WA 98199 1 03/05/03 04 0435635511 05 05/01/03 30 356760 O 04/01/33 0 8566443 964/G02 F 114,750.00 ZZ 360 114,750.00 1 1 6.000 687.98 85 5.750 687.98 PORTLAND OR 97220 5 03/06/03 10 0435579404 05 05/01/03 12 369159 O 04/01/33 0 8566451 964/G02 F 322,700.00 ZZ 360 322,700.00 1 6.375 2,013.23 59 6.125 2,013.23 FREMONT CA 94555 2 02/28/03 00 0435582127 05 05/01/03 0 320400 O 04/01/33 0 8566455 964/G02 F 155,000.00 ZZ 360 155,000.00 1 6.000 929.30 57 5.750 929.30 DENVER CO 80212 2 03/07/03 00 0435582838 05 05/01/03 0 327348 O 04/01/33 0 8566461 964/G02 F 251,000.00 ZZ 360 251,000.00 1 6.250 1,545.45 58 6.000 1,545.45 SANTA MARIA CA 93455 5 03/05/03 00 0435580709 05 05/01/03 0 337148 O 04/01/33 0 8566467 964/G02 F 160,000.00 ZZ 360 160,000.00 1 6.000 959.28 69 5.750 959.28 LANGLEY WA 98260 5 03/01/03 00 0435581236 03 05/01/03 0 341696 O 04/01/33 0 8566469 964/G02 F 245,000.00 ZZ 360 245,000.00 1 6.000 1,468.90 52 5.750 1,468.90 SAN LUIS OBISPO CA 93401 2 03/03/03 00 0435579750 05 05/01/03 0 1 341698 O 04/01/33 0 8566473 964/G02 F 129,500.00 ZZ 360 129,500.00 1 5.875 766.04 70 5.625 766.04 AUBURN WA 98002 5 03/04/03 00 0435580683 05 05/01/03 0 350302 O 04/01/33 0 8566483 964/G02 F 176,400.00 ZZ 360 176,400.00 1 6.250 1,086.13 90 6.000 1,086.13 LAS VEGAS NV 89148 2 03/03/03 10 0435581806 03 05/01/03 25 352026 O 04/01/33 0 8566493 964/G02 F 301,000.00 ZZ 360 301,000.00 1 6.125 1,828.91 65 5.875 1,828.91 SAN FRANCISCO CA 94112 2 03/04/03 00 0435579743 05 05/01/03 0 353920 O 04/01/33 0 8566495 964/G02 F 322,700.00 ZZ 360 322,700.00 1 5.750 1,883.19 61 5.500 1,883.19 CHESTERFIELD MO 63017 2 03/07/03 00 0435580444 03 05/01/03 0 355133 O 04/01/33 0 8566537 964/G02 F 125,600.00 ZZ 360 125,600.00 1 5.500 713.14 80 5.250 713.14 GULFPORT FL 33711 1 03/14/03 00 0435581574 05 05/01/03 0 365449 O 04/01/33 0 1 8566593 408/G02 F 187,425.00 ZZ 360 187,425.00 2 6.375 1,169.29 75 6.125 1,169.29 LEES SUMMIT MO 64081 1 03/03/03 00 0435581632 09 05/01/03 0 703033884 N 04/01/33 0 8566625 642/G02 F 129,000.00 ZZ 360 129,000.00 1 6.500 815.37 59 6.250 815.37 STOCKTON CA 95209 5 03/26/03 00 0435580063 03 05/01/03 0 01208403 N 04/01/33 0 8566913 N47/G02 F 440,000.00 ZZ 360 440,000.00 1 6.250 2,709.16 76 6.000 2,709.16 SAN MARCOS CA 92069 5 03/25/03 00 0435606025 05 05/01/03 0 30503351 O 04/01/33 0 8567197 K15/G02 F 285,000.00 ZZ 360 285,000.00 1 5.750 1,663.18 80 5.500 1,663.18 ST PAUL MN 55104 5 03/11/03 00 0435578935 05 05/01/03 0 574 O 04/01/33 0 8567399 K15/G02 F 115,700.00 ZZ 240 115,700.00 1 6.625 871.16 49 6.375 871.16 MERRIMAC MA 01860 5 03/24/03 00 0435579289 05 05/01/03 0 007605512454 O 04/01/23 0 8567703 M27/G02 F 381,000.00 ZZ 360 381,000.00 1 6.125 2,315.00 70 5.875 2,315.00 1 RALEIGH NC 27608 2 03/24/03 00 0435616180 05 05/01/03 0 0100019334 O 04/01/33 0 8567901 E82/G02 F 203,600.00 ZZ 360 203,600.00 1 6.125 1,237.10 72 5.875 1,237.10 PORTLAND OR 97219 2 03/25/03 00 0400788071 05 05/01/03 0 0400788071 O 04/01/33 0 8567915 E82/G02 F 122,000.00 ZZ 360 122,000.00 1 6.375 761.12 72 6.125 761.12 LOS BANOS CA 93635 5 03/24/03 00 0400761656 05 05/01/03 0 0400761656 O 04/01/33 0 8568331 964/G02 F 187,900.00 ZZ 360 187,900.00 1 6.125 1,141.70 80 5.875 1,141.70 HILLSBORO OR 97124 1 03/07/03 00 0435599675 05 05/01/03 0 372828 O 04/01/33 0 8568699 E82/G02 F 146,650.00 ZZ 360 146,650.00 1 6.500 926.93 50 6.250 926.93 PISMO BEACH CA 93449 2 03/28/03 00 0400809877 05 05/01/03 0 0400809877 N 04/01/33 0 8568703 E82/G02 F 156,700.00 ZZ 360 156,700.00 1 6.500 990.45 47 6.250 990.45 GROVER BEACH CA 93433 2 03/28/03 00 0400810131 05 05/01/03 0 0400810131 N 04/01/33 0 1 8568707 E82/G02 F 195,500.00 ZZ 360 195,500.00 1 6.500 1,235.69 38 6.250 1,235.69 PISMO BEACH CA 93449 2 03/28/03 00 0400810156 05 05/01/03 0 0400810156 N 04/01/33 0 8568897 E22/G02 F 108,000.00 ZZ 360 108,000.00 1 6.250 664.97 79 6.000 664.97 SEABROOK TX 77586 5 03/25/03 00 0416099000 03 05/01/03 0 0416099000 O 04/01/33 0 8568907 E22/G02 F 215,000.00 ZZ 360 215,000.00 1 6.250 1,323.79 77 6.000 1,323.79 SAN JUAN CAPIST CA 92675 2 03/17/03 00 0416123149 09 05/01/03 0 0416123149 O 04/01/33 0 8568909 E22/G02 F 152,000.00 ZZ 360 152,000.00 2 6.000 911.32 80 5.750 911.32 SARASOTA FL 34236 5 03/25/03 00 0416123875 05 05/01/03 0 0416123875 O 04/01/33 0 8568919 E22/G02 F 276,000.00 ZZ 360 276,000.00 1 6.000 1,654.76 73 5.750 1,654.76 SUNLAND (L.A.) CA 91040 2 03/17/03 00 0416140168 05 05/01/03 0 0416140168 O 04/01/33 0 8568929 E22/G02 F 584,000.00 ZZ 360 584,000.00 1 1 6.250 3,595.79 80 6.000 3,595.79 SAN JOSE CA 95120 5 03/18/03 00 0416155083 05 05/01/03 0 0416155083 O 04/01/33 0 8568949 E22/G02 F 254,000.00 ZZ 360 254,000.00 1 6.125 1,543.33 68 5.875 1,543.33 NEVADA CITY CA 95959 5 03/19/03 00 0416220283 05 05/01/03 0 0416220283 O 04/01/33 0 8568967 E22/G02 F 230,000.00 ZZ 360 230,000.00 2 6.250 1,416.15 52 6.000 1,416.15 STERLING MA 01564 5 03/26/03 00 0416238541 05 05/01/03 0 0416238541 O 04/01/33 0 8568981 E22/G02 F 144,000.00 ZZ 360 144,000.00 1 6.625 922.05 80 6.375 922.05 MIAMI FL 33155 5 03/31/03 00 0416293678 05 05/01/03 0 0416293678 N 04/01/33 0 8569001 E22/G02 F 108,000.00 ZZ 360 108,000.00 1 6.500 682.63 80 6.250 682.63 INDIAN HARBOUR FL 32937 1 03/31/03 00 0416305035 05 05/01/03 0 0416305035 N 04/01/33 0 8569003 E22/G02 F 94,000.00 ZZ 360 94,000.00 1 6.500 594.14 80 6.250 594.14 LEANDER TX 78641 5 03/26/03 00 0416308005 03 05/01/03 0 1 0416308005 O 04/01/33 0 8569013 E22/G02 F 140,000.00 ZZ 360 140,000.00 1 6.125 850.65 56 5.875 850.65 HUEYTOWN AL 35023 5 03/26/03 00 0416313179 05 05/01/03 0 0416313179 O 04/01/33 0 8569029 E22/G02 F 552,000.00 ZZ 360 552,000.00 1 6.000 3,309.52 80 5.750 3,309.52 SAMMAMISH WA 98075 5 03/21/03 00 0416355626 03 05/01/03 0 0416355626 O 04/01/33 0 8569035 E22/G02 F 143,450.00 ZZ 360 143,450.00 1 6.000 860.06 95 5.750 860.06 HUNTSVILLE AL 35801 5 03/25/03 04 0416357937 05 05/01/03 30 0416357937 O 04/01/33 0 8569091 E22/G02 F 138,800.00 ZZ 360 138,800.00 1 6.250 854.62 80 6.000 854.62 AUSTIN TX 78745 5 03/26/03 00 0416425338 05 05/01/03 0 0416425338 O 04/01/33 0 8569103 E22/G02 F 136,000.00 ZZ 360 136,000.00 1 6.750 882.09 80 6.500 882.09 LAKEWOOD CO 80214 5 03/26/03 00 0416432987 05 05/01/03 0 0416432987 O 04/01/33 0 1 8569129 E22/G02 F 144,000.00 ZZ 360 144,000.00 4 6.125 874.96 80 5.875 874.96 GRAND JUNCTION CO 81501 2 03/28/03 00 0416451508 05 05/01/03 0 0416451508 N 04/01/33 0 8569183 E22/G02 F 262,000.00 ZZ 360 262,000.00 1 6.625 1,677.61 70 6.375 1,677.61 ANTIOCH CA 94531 2 03/18/03 00 0416459667 05 05/01/03 0 0416459667 N 04/01/33 0 8569255 E22/G02 F 105,600.00 ZZ 360 105,600.00 1 6.125 641.64 80 5.875 641.64 PORTLAND OR 97266 2 03/24/03 00 0416525855 05 05/01/03 0 0416525855 O 04/01/33 0 8569345 E22/G02 F 121,500.00 ZZ 360 121,500.00 1 6.125 738.25 90 5.875 738.25 SALT LAKE CITY UT 84118 2 03/13/03 04 0416039626 05 05/01/03 30 0416039626 O 04/01/33 0 8569401 E22/G02 F 213,600.00 ZZ 360 213,600.00 1 6.750 1,385.41 80 6.500 1,385.41 OKLAHOMA CITY OK 73120 5 03/26/03 00 0416196467 05 05/01/03 0 0416196467 O 04/01/33 0 8569463 E22/G02 F 505,600.00 ZZ 360 505,600.00 1 6.125 3,072.08 80 5.875 3,072.08 1 NOVATO CA 94947 2 03/20/03 00 0416376937 05 05/01/03 0 0416376937 O 04/01/33 0 8569511 E22/G02 F 167,200.00 ZZ 360 167,200.00 1 6.500 1,056.82 80 6.250 1,056.82 NOVI MI 48375 2 03/25/03 00 0416386936 05 05/01/03 0 0416386936 O 04/01/33 0 8569553 E22/G02 F 110,000.00 ZZ 360 110,000.00 1 6.000 659.51 74 5.750 659.51 SANTA FE NM 87501 5 03/26/03 00 0416249480 01 05/01/03 0 0416249480 O 04/01/33 0 8569575 E22/G02 F 121,500.00 ZZ 360 121,500.00 1 6.250 748.10 90 6.000 748.10 ALBANY OR 97322 5 03/21/03 04 0416264984 05 05/01/03 25 0416264984 O 04/01/33 0 8569579 E22/G02 F 203,000.00 ZZ 360 203,000.00 1 6.125 1,233.45 80 5.875 1,233.45 WEST BLOOMFIELD MI 48322 5 03/25/03 00 0416272839 05 05/01/03 0 0416272839 O 04/01/33 0 8569581 E22/G02 F 105,600.00 ZZ 360 105,600.00 1 6.125 641.64 80 5.875 641.64 WINFIELD MO 63389 5 03/26/03 00 0416277895 05 05/01/03 0 0416277895 O 04/01/33 0 1 8569583 E22/G02 F 169,600.00 ZZ 360 169,600.00 1 6.500 1,071.99 80 6.250 1,071.99 DALLAS TX 75238 5 03/25/03 00 0416278992 05 05/01/03 0 0416278992 O 04/01/33 0 8569609 E22/G02 F 129,500.00 ZZ 360 129,500.00 1 6.000 776.42 93 5.750 776.42 HIALEAH GARDENS FL 33018 2 03/26/03 11 0416332906 01 05/01/03 30 0416332906 O 04/01/33 0 8569621 E22/G02 F 248,000.00 ZZ 360 248,000.00 1 6.250 1,526.98 80 6.000 1,526.98 SIMI VALLEY CA 93065 5 03/22/03 00 0416343432 05 05/01/03 0 0416343432 O 04/01/33 0 8569693 E22/G02 F 150,000.00 ZZ 360 150,000.00 1 6.000 899.33 47 5.750 899.33 SCOTTSDALE AZ 85258 1 03/21/03 00 0416413714 03 05/01/03 0 0416413714 O 04/01/33 0 8569717 E22/G02 F 175,000.00 ZZ 360 175,000.00 1 6.125 1,063.32 75 5.875 1,063.32 MASHPEE MA 02649 5 03/26/03 00 0416438091 05 05/01/03 0 0416438091 O 04/01/33 0 8569739 E22/G02 F 141,900.00 ZZ 360 141,900.00 1 1 6.625 908.60 90 6.375 908.60 PORT ST. LUCIE FL 34986 1 03/31/03 01 0416444453 03 05/01/03 25 0416444453 N 04/01/33 0 8569747 E22/G02 F 142,000.00 ZZ 360 142,000.00 1 7.000 944.73 95 6.750 944.73 HAYDEN AL 35079 5 03/26/03 01 0416446532 05 05/01/03 30 0416446532 O 04/01/33 0 8569773 E22/G02 F 190,000.00 ZZ 360 190,000.00 1 6.000 1,139.15 80 5.750 1,139.15 EL MONTE CA 91732 5 03/24/03 00 0416469161 05 05/01/03 0 0416469161 O 04/01/33 0 8569785 E22/G02 F 180,000.00 ZZ 360 180,000.00 1 6.125 1,093.70 90 5.875 1,093.70 WEST PALM BEACH FL 33415 5 03/26/03 01 0416474799 05 05/01/03 25 0416474799 O 04/01/33 0 8569919 253/253 F 346,400.00 TX 360 346,400.00 1 6.250 2,132.85 80 6.000 2,132.85 FORT WORTH TX 76179 5 03/06/03 00 458804 05 05/01/03 0 458804 O 04/01/33 0 8570675 W40/G02 F 158,500.00 ZZ 360 158,500.00 1 6.500 1,001.83 90 6.250 1,001.83 GRAND RAPIDS MI 49508 2 03/26/03 01 0435601703 05 05/01/03 25 1 102017838 O 04/01/33 0 8571123 003/G02 F 149,600.00 ZZ 360 149,471.19 3 6.750 970.31 95 6.500 970.31 DANIA FL 33004 1 02/26/03 12 0435595624 05 04/01/03 35 0021963129 O 03/01/33 0 8571227 P44/G02 F 181,000.00 ZZ 360 181,000.00 3 6.250 1,114.45 71 6.000 1,114.45 WORCESTER MA 01610 5 03/26/03 00 0435584065 05 05/01/03 0 592169380 O 04/01/33 0 8571387 N47/G02 F 400,000.00 ZZ 360 400,000.00 1 6.500 2,528.27 53 6.250 2,528.27 SAN JOSE CA 95129 5 03/25/03 00 0435592340 05 05/01/03 0 20504189 O 04/01/33 0 8571471 967/G02 F 66,000.00 ZZ 360 66,000.00 1 6.000 395.70 58 5.750 395.70 SUN VALLEY ID 83353 2 03/20/03 00 0435590773 01 05/01/03 0 6556112 O 04/01/33 0 8571499 K15/G02 F 102,900.00 ZZ 360 102,900.00 1 6.375 641.96 67 6.125 641.96 KITTERY POINT ME 03905 5 03/26/03 00 0435581392 05 05/01/03 0 007605513058 O 04/01/33 0 1 8571507 Y21/G02 F 240,000.00 ZZ 360 240,000.00 2 7.125 1,616.93 35 6.875 1,616.93 ENCINITAS CA 92024 5 03/05/03 00 0435580014 05 05/01/03 0 203100611 N 04/01/33 0 8571513 U35/G02 F 191,000.00 ZZ 360 191,000.00 1 6.750 1,238.82 71 6.500 1,238.82 VAN NUYS CA 91331 5 03/28/03 00 0435578208 05 05/01/03 0 11274268 N 04/01/33 0 8571539 X67/G02 F 225,000.00 ZZ 360 225,000.00 4 6.875 1,478.09 75 6.625 1,478.09 POMONA CA 91768 5 03/11/03 00 0435609946 05 05/01/03 0 00283626 O 04/01/33 0 8571561 W45/G02 F 155,200.00 ZZ 360 155,200.00 1 6.625 993.76 94 6.375 993.76 ORLANDO FL 32824 5 03/26/03 27 0435601729 03 05/01/03 30 02122317710 O 04/01/33 0 8571607 K15/G02 F 260,100.00 ZZ 360 260,100.00 1 6.375 1,622.69 50 6.125 1,622.69 LAGUNA HILLS CA 92653 2 03/25/03 00 0435582689 03 05/01/03 0 025005508373 O 04/01/33 0 8572027 N34/G02 F 189,000.00 ZZ 360 189,000.00 1 6.500 1,194.61 90 6.250 1,194.61 1 CHICAGO IL 60639 1 03/31/03 10 0435589973 05 05/01/03 25 0695228 N 04/01/33 0 8572981 E82/G02 F 119,350.00 T 360 119,350.00 1 6.250 734.86 68 6.000 734.86 FRASER CO 80442 2 04/01/03 00 0400810966 01 05/01/03 0 0400810966 O 04/01/33 0 8573191 E22/G02 F 225,000.00 ZZ 360 225,000.00 1 6.875 1,478.09 74 6.625 1,478.09 BILLERICA MA 01821 5 03/27/03 00 0416101756 05 05/01/03 0 0416101756 O 04/01/33 0 8573209 E22/G02 F 59,850.00 ZZ 360 59,850.00 1 7.250 408.28 95 7.000 408.28 WALLS MS 38680 5 03/27/03 10 0416214823 05 05/01/03 30 0416214823 O 04/01/33 0 8573215 E22/G02 F 225,000.00 ZZ 360 225,000.00 1 5.875 1,330.96 75 5.625 1,330.96 LAPEER MI 48446 2 03/27/03 00 0416229649 05 05/01/03 0 0416229649 O 04/01/33 0 8573223 E22/G02 F 65,300.00 ZZ 360 65,300.00 2 6.500 412.74 70 6.250 412.74 OTSEGO MI 49010 1 04/01/03 00 0416241313 05 05/01/03 0 0416241313 N 04/01/33 0 1 8573243 E22/G02 F 118,500.00 ZZ 360 118,500.00 1 6.500 749.00 77 6.250 749.00 GARLAND TX 75044 2 03/28/03 00 0416283331 05 05/01/03 0 0416283331 N 04/01/33 0 8573265 E22/G02 F 216,000.00 ZZ 360 216,000.00 1 6.250 1,329.95 71 6.000 1,329.95 HAWTHORNE CA 90250 5 03/21/03 00 0416333383 05 05/01/03 0 0416333383 O 04/01/33 0 8573273 E22/G02 F 72,500.00 ZZ 360 72,500.00 1 6.500 458.25 72 6.250 458.25 PENSACOLA FL 32514 5 03/27/03 00 0416343135 05 05/01/03 0 0416343135 O 04/01/33 0 8573323 E22/G02 F 82,000.00 ZZ 360 82,000.00 1 7.125 552.45 87 6.875 552.45 SPENCER OK 73084 2 03/27/03 01 0416422459 05 05/01/03 25 0416422459 O 04/01/33 0 8573331 E22/G02 F 270,000.00 ZZ 240 270,000.00 1 6.125 1,953.88 80 5.875 1,953.88 GARDEN GROVE CA 92844 5 03/26/03 00 0416435733 05 05/01/03 0 0416435733 O 04/01/23 0 8573333 E22/G02 F 179,200.00 ZZ 360 179,200.00 1 1 6.375 1,117.97 80 6.125 1,117.97 ARLINGTON WA 98223 1 03/27/03 00 0416439792 05 05/01/03 0 0416439792 O 04/01/33 0 8573385 E22/G02 F 440,000.00 ZZ 360 440,000.00 1 6.125 2,673.49 80 5.875 2,673.49 CAMARILLO CA 93010 5 03/26/03 00 0416490407 05 05/01/03 0 0416490407 O 04/01/33 0 8573391 E22/G02 F 124,000.00 ZZ 360 124,000.00 2 7.125 835.41 80 6.875 835.41 FRASER MI 48026 1 04/01/03 00 0416500981 05 05/01/03 0 0416500981 N 04/01/33 0 8573459 E22/G02 F 106,250.00 ZZ 360 106,250.00 4 7.125 715.83 85 6.875 715.83 ST. LOUIS MO 63109 1 04/01/03 01 0416608776 05 05/01/03 12 0416608776 N 04/01/33 0 8573911 A39/G02 F 525,000.00 ZZ 360 525,000.00 1 6.250 3,232.52 74 6.000 3,232.52 SIMI VALLEY CA 93065 5 03/21/03 00 0435585500 05 05/01/03 0 2300495RFC O 04/01/33 0 8574151 U05/G02 F 505,000.00 TX 360 505,000.00 1 6.125 3,068.43 77 5.875 3,068.43 ALLEN TX 75002 5 03/24/03 00 0435584420 05 05/01/03 0 1 3327252 O 04/01/33 0 8575155 950/G02 F 195,200.00 ZZ 360 195,200.00 1 6.500 1,233.80 80 6.250 1,233.80 REDDING CA 96002 5 03/25/03 00 0435588603 05 05/01/03 0 A532049 O 04/01/33 0 8575835 E47/G02 F 184,000.00 ZZ 360 184,000.00 1 6.375 1,147.92 80 6.125 1,147.92 CITRUS HEIGHTS CA 95610 1 03/19/03 00 0435595277 05 05/01/03 0 7359513765 O 04/01/33 0 8576007 S43/G02 F 130,500.00 ZZ 360 130,500.00 4 6.625 835.61 90 6.375 835.61 ALBUQUERQUE NM 87107 1 03/28/03 04 0435601513 05 05/01/03 25 0270113 N 04/01/33 0 8576553 E47/G02 F 120,000.00 ZZ 360 120,000.00 1 6.000 719.46 80 5.750 719.46 TAMPA FL 33613 2 03/24/03 00 0435601471 03 05/01/03 0 7361013362 O 04/01/33 0 8577053 U85/G02 F 149,600.00 ZZ 360 149,600.00 1 6.250 921.11 80 6.000 921.11 EAGLE WI 53119 1 03/27/03 00 0435604624 05 05/01/03 0 TQS31 O 04/01/33 0 1 8577103 X08/G02 F 210,000.00 ZZ 360 210,000.00 1 6.000 1,259.06 78 5.750 1,259.06 MIDWAY UT 84049 2 03/25/03 00 0435588066 05 05/01/03 0 2803711 O 04/01/33 0 8577113 Q14/G02 F 140,000.00 ZZ 360 140,000.00 1 6.000 839.37 67 5.750 839.37 SOLON IA 52333 5 03/28/03 00 0435588686 05 05/01/03 0 0000311932 O 04/01/33 0 8577189 420/G02 F 236,000.00 ZZ 360 236,000.00 1 6.250 1,453.09 80 6.000 1,453.09 SANTA ROSA CA 95407 1 03/25/03 00 0435593207 05 05/01/03 0 73000773 N 04/01/33 0 8577681 R49/G02 F 119,200.00 ZZ 360 119,200.00 1 6.625 763.25 80 6.375 763.25 HYATTSVILLE MD 20785 5 03/25/03 00 0435599121 01 05/01/03 0 SD03030030 O 04/01/33 0 8578261 738/G02 F 234,000.00 ZZ 360 234,000.00 1 5.875 1,384.20 80 5.625 1,384.20 CARY NC 27519 1 03/25/03 00 0435586672 03 05/01/03 0 40995632 O 04/01/33 0 8579821 S43/G02 F 149,600.00 ZZ 360 149,600.00 1 6.250 921.11 80 6.000 921.11 1 ALBUQUERQUE NM 87113 2 03/26/03 00 0435597133 03 05/01/03 0 953101 O 04/01/33 0 8579895 X51/G02 F 345,000.00 ZZ 360 345,000.00 1 6.125 2,096.26 80 5.875 2,096.26 CASTAIC CA 91384 5 03/25/03 00 0435581210 05 05/01/03 0 0030225004 O 04/01/33 0 8579901 Q87/G02 F 200,000.00 ZZ 360 200,000.00 1 5.875 1,183.08 52 5.625 1,183.08 AMISSVILLE VA 20106 5 03/27/03 00 0435596531 05 05/01/03 0 ALAN03 O 04/01/33 0 8580357 964/G02 F 200,000.00 ZZ 360 200,000.00 1 5.875 1,183.08 55 5.625 1,183.08 LYONS CO 80540 5 03/10/03 00 0435629498 05 05/01/03 0 354367 O 04/01/33 0 8580361 964/G02 F 92,700.00 ZZ 360 92,700.00 1 6.000 555.78 67 5.750 555.78 CHANDLER AZ 85224 2 03/13/03 00 0435585823 03 05/01/03 0 357152 N 04/01/33 0 8580365 964/G02 F 131,000.00 ZZ 360 131,000.00 1 6.125 795.97 77 5.875 795.97 LARAMIE WY 82072 5 03/14/03 00 0435589387 05 05/01/03 0 358040 O 04/01/33 0 1 8580373 964/G02 F 164,500.00 ZZ 360 164,500.00 1 6.000 986.26 68 5.750 986.26 WHEAT RIDGE CO 80033 5 03/13/03 00 0435586128 05 05/01/03 0 360492 O 04/01/33 0 8580399 964/G02 F 110,800.00 ZZ 360 110,800.00 1 6.125 673.23 80 5.875 673.23 CHANDLER AZ 85224 2 03/06/03 00 0435586276 05 05/01/03 0 348826 O 04/01/33 0 8580403 964/G02 F 108,000.00 ZZ 360 108,000.00 1 6.000 647.51 68 5.750 647.51 PHOENIX AZ 85048 2 03/13/03 00 0435595095 03 05/01/03 0 357145 N 04/01/33 0 8580407 964/G02 F 105,000.00 ZZ 360 105,000.00 1 6.000 629.53 68 5.750 629.53 PHOENIX AZ 85044 2 03/13/03 00 0435586474 05 05/01/03 0 357150 N 04/01/33 0 8580415 964/G02 F 137,250.00 ZZ 360 137,250.00 1 5.750 800.95 75 5.500 800.95 PUEBLO CO 81005 5 03/12/03 00 0435629373 05 05/01/03 0 358609 O 04/01/33 0 8580433 964/G02 F 121,600.00 ZZ 360 121,600.00 1 1 6.125 738.85 80 5.875 738.85 DENVER CO 80214 1 03/18/03 00 0435626007 05 05/01/03 0 361561 N 04/01/33 0 8580495 964/G02 F 348,000.00 ZZ 360 347,677.68 1 6.375 2,171.07 80 6.125 2,171.07 SAN JOSE CA 95111 5 02/05/03 00 0435626155 05 04/01/03 0 296651 O 03/01/33 0 8580499 964/G02 F 390,000.00 ZZ 360 389,647.43 1 6.500 2,465.07 67 6.250 2,465.07 SAN JOSE CA 95136 2 02/10/03 00 0435586748 05 04/01/03 0 311874 O 03/01/33 0 8580503 964/G02 F 213,550.00 ZZ 360 213,550.00 1 6.375 1,332.27 50 6.125 1,332.27 ALAMEDA CA 94502 5 03/11/03 00 0435599626 03 05/01/03 0 318961 O 04/01/33 0 8580509 964/G02 F 488,000.00 ZZ 360 487,525.69 1 6.125 2,965.14 80 5.875 2,965.14 NOVATO CA 94945 5 02/07/03 00 0435586144 03 04/01/03 0 342040 O 03/01/33 0 8580519 964/G02 F 190,000.00 ZZ 360 190,000.00 1 6.250 1,169.86 27 6.000 1,169.86 FREMONT CA 94539 2 03/07/03 00 0435597315 05 05/01/03 0 1 345336 O 04/01/33 0 8580541 964/G02 F 177,000.00 ZZ 360 177,000.00 1 6.250 1,089.82 55 6.000 1,089.82 NOVATO CA 94947 5 03/06/03 00 0435596218 01 05/01/03 0 346482 O 04/01/33 0 8581011 E22/G02 F 108,800.00 ZZ 360 108,800.00 2 6.875 714.74 85 6.625 714.74 DETROIT MI 48228 2 03/28/03 01 0416264505 05 05/01/03 12 0416264505 O 04/01/33 0 8581037 E22/G02 F 87,200.00 ZZ 360 87,200.00 1 6.500 551.16 80 6.250 551.16 SACRAMENTO CA 95815 1 03/20/03 00 0416304327 05 05/01/03 0 0416304327 N 04/01/33 0 8581115 E22/G02 F 192,000.00 ZZ 360 192,000.00 1 5.875 1,135.75 80 5.625 1,135.75 EVERETT WA 98203 1 03/27/03 00 0416414761 05 05/01/03 0 0416414761 O 04/01/33 0 8581145 E22/G02 F 228,000.00 ZZ 360 228,000.00 1 6.125 1,385.35 68 5.875 1,385.35 WEST BLOOMFIELD MI 48322 5 03/28/03 00 0416435600 05 05/01/03 0 0416435600 O 04/01/33 0 1 8581153 E22/G02 F 96,000.00 ZZ 360 96,000.00 1 6.000 575.57 74 5.750 575.57 HOMESTEAD FL 33033 5 03/28/03 00 0416443588 05 05/01/03 0 0416443588 O 04/01/33 0 8581163 E22/G02 F 151,000.00 ZZ 360 151,000.00 1 6.375 942.04 73 6.125 942.04 BRISTOL RI 02809 5 03/28/03 00 0416457232 05 05/01/03 0 0416457232 O 04/01/33 0 8581179 E22/G02 F 200,800.00 ZZ 360 200,800.00 1 6.125 1,220.08 80 5.875 1,220.08 SALT LAKE CITY UT 84124 5 03/28/03 00 0416475671 05 05/01/03 0 0416475671 O 04/01/33 0 8581183 E22/G02 F 244,000.00 ZZ 360 244,000.00 1 6.000 1,462.90 80 5.750 1,462.90 VASHON WA 98070 5 03/27/03 00 0416476547 05 05/01/03 0 0416476547 O 04/01/33 0 8581209 E22/G02 F 79,500.00 ZZ 360 79,500.00 1 6.000 476.64 46 5.750 476.64 SANDY UT 84070 2 03/28/03 00 0416515419 05 05/01/03 0 0416515419 O 04/01/33 0 8581241 E22/G02 F 70,500.00 ZZ 360 70,500.00 1 6.250 434.08 75 6.000 434.08 1 BOISE ID 83703 1 03/27/03 00 0416574531 03 05/01/03 0 0416574531 N 04/01/33 0 8581701 Y10/G02 F 208,000.00 ZZ 360 208,000.00 1 6.250 1,280.69 80 6.000 1,280.69 MENDOTA HEIGHTS MN 55120 5 03/26/03 00 0435597703 05 05/01/03 0 1857077 O 04/01/33 0 8582011 A39/G02 F 260,000.00 ZZ 360 260,000.00 1 6.000 1,558.83 80 5.750 1,558.83 CANOGA PARK CA 91304 2 03/25/03 00 0435611413 05 05/01/03 0 2300432 O 04/01/33 0 8582111 R80/G02 F 224,550.00 ZZ 360 224,550.00 4 6.750 1,456.43 90 6.500 1,456.43 SCOTTSDALE AZ 85251 1 03/27/03 04 0435603162 05 05/01/03 25 30518 N 04/01/33 0 8582115 642/G02 F 137,600.00 ZZ 360 137,600.00 1 6.250 847.23 80 6.000 847.23 SHADY SIDE MD 20764 2 03/28/03 00 0435611744 05 05/01/03 0 03105103 O 04/01/33 0 8582221 N74/G02 F 140,720.00 ZZ 360 140,576.53 1 5.875 832.41 80 5.625 832.41 MEBANE NC 27302 1 03/28/03 00 0435585070 05 04/28/03 0 0032072011 O 03/28/33 0 1 8582225 X67/G02 F 166,500.00 ZZ 360 166,500.00 1 6.250 1,025.17 90 6.000 1,025.17 MILFORD NH 03055 5 03/20/03 11 0435597182 05 05/01/03 25 00241687 O 04/01/33 0 8582605 N74/G02 F 112,800.00 ZZ 360 112,800.00 1 6.125 685.38 81 5.875 685.38 MONTICELLO AR 71655 5 03/27/03 10 0435623459 05 05/01/03 12 0032070010 O 04/01/33 0 8582735 K15/G02 F 109,200.00 ZZ 360 109,200.00 1 7.000 726.51 95 6.750 726.51 YPSILANTI MI 48198 2 03/26/03 41 0435605142 05 05/01/03 30 036305512226 O 04/01/33 0 8582741 K15/G02 F 176,400.00 ZZ 240 176,400.00 1 6.625 1,328.20 77 6.375 1,328.20 ABERDEEN NC 28315 5 03/21/03 41 0435606033 05 05/01/03 25 017205512705 O 04/01/23 0 8582825 X31/G02 F 178,000.00 ZZ 360 178,000.00 1 6.125 1,081.55 62 5.875 1,081.55 PORTLAND OR 97214 2 03/20/03 00 0435591425 05 05/01/03 0 52000418 N 04/01/33 0 8582899 K15/G02 F 278,900.00 ZZ 360 278,900.00 1 1 5.875 1,649.80 74 5.625 1,649.80 EAST ISLIP NY 11730 5 03/14/03 00 0435603386 05 05/01/03 0 020805512194 O 04/01/33 0 8582905 N74/G02 F 123,000.00 ZZ 360 123,000.00 1 5.875 727.59 69 5.625 727.59 WILKESBORO NC 28697 2 03/26/03 00 0435625165 05 05/01/03 0 0032030010 N 04/01/33 0 8582935 N74/G02 F 195,000.00 ZZ 360 195,000.00 1 5.875 1,153.50 70 5.625 1,153.50 CULPEPER VA 22701 5 03/26/03 00 0435588934 05 05/01/03 0 0032051010 O 04/01/33 0 8582973 N74/G02 F 142,800.00 ZZ 360 142,800.00 1 6.375 890.89 85 6.125 890.89 RICHMOND VA 23235 5 03/26/03 10 0435621693 05 05/01/03 12 0032061010 O 04/01/33 0 8583013 N74/G02 F 165,600.00 TX 360 165,600.00 1 6.000 992.86 80 5.750 992.86 NEDERLAND TX 77627 5 03/26/03 00 0435623541 05 05/01/03 0 0032032010 O 04/01/33 0 8583023 P09/G02 F 120,000.00 ZZ 360 120,000.00 1 6.500 758.48 93 6.250 758.48 TEMPLE HILLS MD 20748 2 04/01/03 10 0435610134 09 05/01/03 30 1 MCCLIN O 04/01/33 0 8583073 U05/G02 F 168,000.00 ZZ 360 168,000.00 2 6.375 1,048.10 80 6.125 1,048.10 RANCHO CORDOVA CA 95670 5 03/17/03 00 0435603527 05 05/01/03 0 3324612 N 04/01/33 0 8583341 738/G02 F 168,000.00 ZZ 360 168,000.00 1 6.000 1,007.25 70 5.750 1,007.25 DEERFIELD BEACH FL 33441 1 03/04/03 00 0435598503 05 05/01/03 0 40922692 O 04/01/33 0 8583475 420/G02 F 260,000.00 ZZ 360 260,000.00 1 6.125 1,579.79 76 5.875 1,579.79 WINDSOR CA 95492 2 03/24/03 00 0435603030 03 05/01/03 0 73000916 N 04/01/33 0 8583809 X91/G02 F 247,500.00 ZZ 360 247,500.00 1 6.375 1,544.08 74 6.125 1,544.08 KAILUA HI 96734 1 03/22/03 00 0435616651 06 05/01/03 0 804611 O 04/01/33 0 8583999 E47/G02 F 171,000.00 ZZ 360 171,000.00 1 6.250 1,052.88 75 6.000 1,052.88 HAYWARD CA 94541 5 03/19/03 00 0435615364 01 05/01/03 0 7359513630 O 04/01/33 0 1 8584125 W68/G02 F 108,800.00 TX 360 108,800.00 1 7.000 723.85 78 6.750 723.85 GARLAND TX 75043 5 03/13/03 00 0435623822 05 05/01/03 0 35636 O 04/01/33 0 8584193 U05/G02 F 160,400.00 ZZ 360 160,400.00 4 6.375 1,000.69 90 6.125 1,000.69 CARLISLE PA 17013 1 03/26/03 04 0435604780 05 05/01/03 25 3324252 N 04/01/33 0 8584381 E82/G02 F 129,900.00 ZZ 360 129,900.00 1 6.625 831.76 77 6.375 831.76 KURE BEACH NC 28449 2 04/03/03 00 0400799730 05 05/01/03 0 0400799730 N 04/01/33 0 8584423 E82/G02 F 217,500.00 ZZ 360 217,500.00 3 6.125 1,321.55 58 5.875 1,321.55 CHICAGO IL 60645 2 04/03/03 00 0400796645 05 05/01/03 0 0400796645 N 04/01/33 0 8584439 E22/G02 F 152,000.00 ZZ 360 152,000.00 1 6.750 985.87 80 6.500 985.87 LAS VEGAS NV 89144 5 03/13/03 00 0415922061 03 05/01/03 0 0415922061 O 04/01/33 0 8584447 E22/G02 F 107,200.00 ZZ 360 107,200.00 1 6.000 642.72 80 5.750 642.72 1 REDDING CA 96002 1 03/25/03 00 0416075075 05 05/01/03 0 0416075075 O 04/01/33 0 8584449 E22/G02 F 161,300.00 ZZ 360 161,300.00 1 6.750 1,046.19 95 6.500 1,046.19 SPARKS NV 89431 1 03/27/03 04 0416135853 05 05/01/03 30 0416135853 O 04/01/33 0 8584451 E22/G02 F 208,000.00 ZZ 360 208,000.00 2 6.000 1,247.07 42 5.750 1,247.07 SANTA YNEZ CA 93460 2 03/07/03 00 0416137800 05 05/01/03 0 0416137800 N 04/01/33 0 8584491 E22/G02 F 130,500.00 ZZ 360 130,500.00 4 6.375 814.15 90 6.125 814.15 GREAT FALLS MT 59401 1 04/02/03 01 0416360832 05 05/01/03 25 0416360832 N 04/01/33 0 8584559 E22/G02 F 457,000.00 ZZ 360 457,000.00 1 6.250 2,813.83 75 6.000 2,813.83 DANVILLE CA 94526 2 03/26/03 00 0416448561 03 05/01/03 0 0416448561 O 04/01/33 0 8584593 E22/G02 F 225,250.00 ZZ 360 225,250.00 1 6.750 1,460.97 85 6.500 1,460.97 ELIZABETH CO 80107 5 03/26/03 04 0416505675 05 05/01/03 12 0416505675 O 04/01/33 0 1 8584613 E22/G02 F 247,410.00 ZZ 360 247,410.00 1 6.500 1,563.80 90 6.250 1,563.80 SANTA MARIA CA 93455 1 03/27/03 04 0416534154 05 05/01/03 25 0416534154 O 04/01/33 0 8584651 E22/G02 F 104,400.00 ZZ 360 104,400.00 1 6.500 659.88 80 6.250 659.88 WOODBRIDGE VA 22192 5 04/03/03 00 0416613578 01 05/01/03 0 0416613578 N 04/01/33 0 8584661 E22/G02 F 145,350.00 ZZ 360 145,350.00 1 6.625 930.69 95 6.375 930.69 BOISE ID 83704 5 03/28/03 04 0416650315 05 05/01/03 30 0416650315 O 04/01/33 0 8586985 964/G02 F 200,000.00 ZZ 360 200,000.00 1 6.375 1,247.74 48 6.125 1,247.74 ESCALON CA 95320 5 03/18/03 00 0435641196 05 05/01/03 0 337227 N 04/01/33 0 8587009 964/G02 F 110,000.00 ZZ 360 110,000.00 1 6.125 668.37 75 5.875 668.37 APOPKA FL 32703 5 03/20/03 00 0435644877 03 05/01/03 0 356376 O 04/01/33 0 8587025 964/G02 F 129,000.00 ZZ 360 129,000.00 1 1 5.625 742.60 21 5.375 742.60 BLAINE COUNTY ID 83340 2 03/19/03 00 0435613310 05 05/01/03 0 359627 O 04/01/33 0 8587031 964/G02 F 102,500.00 ZZ 360 102,500.00 1 6.375 639.47 79 6.125 639.47 PORTLAND OR 97218 2 03/01/03 00 0435609664 05 05/01/03 0 361362 O 04/01/33 0 8587043 964/G02 F 243,750.00 ZZ 360 243,750.00 1 6.375 1,520.68 75 6.125 1,520.68 ELK GROVE CA 95624 2 03/19/03 00 0435633003 05 05/01/03 0 367165 O 04/01/33 0 8587049 964/G02 F 236,900.00 ZZ 360 236,900.00 1 5.875 1,401.35 73 5.625 1,401.35 HOUSTON TX 77069 2 03/21/03 00 0435628755 05 05/01/03 0 371435 O 04/01/33 0 8587059 964/G02 F 178,750.00 ZZ 360 178,750.00 1 5.875 1,057.37 65 5.625 1,057.37 RENO NV 89511 5 03/18/03 00 0435643465 05 05/01/03 0 359768 O 04/01/33 0 8587089 964/G02 F 96,000.00 ZZ 360 96,000.00 1 5.875 567.88 68 5.625 567.88 LAS VEGAS NV 89123 1 03/14/03 00 0435644349 05 05/01/03 0 1 364573 O 04/01/33 0 8587103 964/G02 F 181,600.00 ZZ 360 181,600.00 1 6.375 1,132.95 78 6.125 1,132.95 PEORIA AZ 85382 2 03/24/03 00 0435633581 03 05/01/03 0 365091 O 04/01/33 0 8587109 964/G02 F 229,000.00 ZZ 360 229,000.00 1 6.000 1,372.97 70 5.750 1,372.97 MINDEN NV 89423 5 03/17/03 00 0435643663 03 05/01/03 0 366248 O 04/01/33 0 8587657 964/G02 F 135,000.00 ZZ 360 135,000.00 1 5.750 787.82 70 5.500 787.82 CARSON CA 90810 2 03/17/03 00 0435644828 05 05/01/03 0 324178 O 04/01/33 0 8587699 964/G02 F 210,000.00 ZZ 360 210,000.00 1 6.250 1,293.01 50 6.000 1,293.01 SALINAS CA 93907 5 03/14/03 00 0435644638 05 05/01/03 0 352000 O 04/01/33 0 8587709 964/G02 F 167,000.00 ZZ 360 167,000.00 1 5.750 974.57 21 5.500 974.57 FOREST KNOLLS CA 94933 5 03/20/03 00 0435607577 05 05/01/03 0 353537 O 04/01/33 0 1 8587721 964/G02 F 190,000.00 ZZ 360 190,000.00 1 5.750 1,108.79 38 5.500 1,108.79 SAN FRANCISCO CA 94110 5 03/14/03 00 0435606017 05 05/01/03 0 355964 O 04/01/33 0 8587729 964/G02 F 221,000.00 ZZ 360 221,000.00 1 6.125 1,342.82 64 5.875 1,342.82 PETALUMA CA 94954 2 03/13/03 00 0435628490 09 05/01/03 0 358855 O 04/01/33 0 8587737 964/G02 F 200,000.00 ZZ 360 200,000.00 1 6.125 1,215.22 43 5.875 1,215.22 MILPITAS CA 95035 5 03/11/03 00 0435607734 05 05/01/03 0 359573 O 04/01/33 0 8587827 X89/G02 F 600,000.00 ZZ 360 600,000.00 1 6.000 3,597.30 75 5.750 3,597.30 IRVINE CA 92620 5 03/27/03 00 0435633011 03 05/01/03 0 2001193 O 04/01/33 0 8588027 U05/G02 F 140,000.00 TX 360 140,000.00 1 6.000 839.37 80 5.750 839.37 CARROLLTON TX 75010 5 03/26/03 00 0435593009 05 05/01/03 0 3322065 O 04/01/33 0 8588067 X64/G02 F 106,000.00 ZZ 360 106,000.00 1 6.125 644.07 36 5.875 644.07 1 WEST BLOOMFIELD MI 48322 2 03/26/03 00 0435639141 05 05/01/03 0 0000005757 O 04/01/33 0 8588079 A46/G02 F 124,000.00 ZZ 360 124,000.00 3 6.625 793.99 80 6.375 793.99 HOUSTON TX 77099 1 03/28/03 00 0435659826 05 05/01/03 0 0301812 N 04/01/33 0 8588105 S11/G02 F 380,000.00 ZZ 360 380,000.00 1 6.000 2,278.29 80 5.750 2,278.29 MISSION VIEJO CA 92691 5 03/21/03 00 0435616891 05 05/01/03 0 10211294 O 04/01/33 0 8588135 W98/G02 F 147,000.00 ZZ 360 147,000.00 1 6.000 881.34 78 5.750 881.34 MARTINSBURG WV 25401 5 03/19/03 00 0435617881 03 05/01/03 0 L0302027 O 04/01/33 0 8588211 225/G02 F 650,000.00 ZZ 360 649,289.25 1 6.125 3,949.47 66 5.875 3,949.47 FOREST HILLS NY 11375 1 02/26/03 00 0435587308 05 04/01/03 0 007444504 O 03/01/33 0 8588213 225/G02 F 122,550.00 ZZ 360 122,451.99 1 7.125 825.65 95 6.875 825.65 JACKSONVILLE FL 32225 2 02/26/03 11 0435587282 05 04/01/03 30 007444892 O 03/01/33 0 1 8588215 225/G02 F 224,800.00 ZZ 360 224,611.14 4 6.875 1,476.78 90 6.625 1,476.78 GORHAM ME 04038 1 02/25/03 14 0435587266 05 04/01/03 25 007451010 N 03/01/33 0 8588453 A21/A21 F 288,400.00 ZZ 360 288,400.00 1 6.750 1,870.56 70 6.500 1,870.56 FLUSHING NY 11355 1 03/13/03 00 0100134216 05 05/01/03 0 0100134216 N 04/01/33 0 8588513 E22/G02 F 585,000.00 ZZ 360 585,000.00 1 6.125 3,554.52 23 5.875 3,554.52 AUSTIN TX 78731 5 03/28/03 00 0416106029 03 05/01/03 0 0416106029 O 04/01/33 0 8588531 E22/G02 F 110,800.00 ZZ 360 110,800.00 1 6.125 673.23 80 5.875 673.23 PULLMAN WA 99163 1 03/27/03 00 0416207355 05 05/01/03 0 0416207355 O 04/01/33 0 8588545 E22/G02 F 180,500.00 ZZ 360 180,500.00 1 7.125 1,216.06 95 6.875 1,216.06 SARASOTA FL 34239 5 03/28/03 10 0416256279 05 05/01/03 30 0416256279 O 04/01/33 0 8588553 E22/G02 F 76,800.00 ZZ 360 76,800.00 1 1 6.250 472.87 79 6.000 472.87 FORT WORTH TX 76107 5 04/04/03 00 0416269660 05 05/01/03 0 0416269660 N 04/01/33 0 8588583 E22/G02 F 186,400.00 ZZ 360 186,400.00 1 6.125 1,132.59 80 5.875 1,132.59 DALLAS TX 75214 5 03/27/03 00 0416304236 05 05/01/03 0 0416304236 O 04/01/33 0 8588585 E22/G02 F 264,000.00 ZZ 360 264,000.00 1 6.000 1,582.81 80 5.750 1,582.81 ESTES PARK CO 80517 2 03/31/03 00 0416316099 05 05/01/03 0 0416316099 O 04/01/33 0 8588671 E22/G02 F 300,000.00 ZZ 360 300,000.00 1 6.000 1,798.65 79 5.750 1,798.65 MOORPARK CA 93021 5 03/27/03 00 0416429249 03 05/01/03 0 0416429249 N 04/01/33 0 8588685 E22/G02 F 117,500.00 ZZ 240 117,500.00 1 5.875 833.36 74 5.625 833.36 LAWRENCEBURG IN 47025 5 03/31/03 00 0416457166 05 05/01/03 0 0416457166 O 04/01/23 0 8588753 E22/G02 F 230,400.00 ZZ 360 230,400.00 1 5.750 1,344.55 80 5.500 1,344.55 SAN MARCOS TX 78666 2 03/31/03 00 0416192858 05 05/01/03 0 1 0416492858 O 04/01/33 0 8588757 E22/G02 F 137,029.00 ZZ 360 137,029.00 1 5.875 810.58 90 5.625 810.58 WATERFORD MI 48327 1 04/04/03 01 0416496834 01 05/01/03 25 0416496834 O 04/01/33 0 8588783 E22/G02 F 95,900.00 ZZ 360 95,900.00 1 6.500 606.15 70 6.250 606.15 AUSTIN TX 78745 5 03/31/03 00 0416518660 05 05/01/03 0 0416518660 O 04/01/33 0 8588883 E22/G02 F 188,000.00 ZZ 360 188,000.00 1 6.125 1,142.31 80 5.875 1,142.31 AUMSVILLE OR 97325 5 03/28/03 00 0416620003 05 05/01/03 0 0416620003 O 04/01/33 0 8588923 E22/G02 F 110,950.00 ZZ 360 110,950.00 1 6.500 701.28 70 6.250 701.28 BOCA RATON FL 33496 1 04/04/03 00 0416638245 09 05/01/03 0 0416638245 N 04/01/33 0 8589309 168/168 F 340,000.00 ZZ 360 340,000.00 1 6.375 2,121.16 85 6.125 2,121.16 WEST NYACK NY 10994 1 03/24/03 14 0319619656 05 05/01/03 12 0319619656 O 04/01/33 0 1 8589325 H49/G02 F 230,000.00 ZZ 360 230,000.00 1 6.000 1,378.97 75 5.750 1,378.97 CAVE CREEK AZ 85331 1 04/01/03 00 0435623533 03 05/01/03 0 371132 O 04/01/33 0 8589637 758/G02 F 232,900.00 ZZ 360 232,900.00 1 6.125 1,415.12 76 5.875 1,415.12 SPRING TX 77379 2 03/18/03 00 0435623319 03 05/01/03 0 502920 O 04/01/33 0 8590259 168/168 F 320,000.00 ZZ 360 320,000.00 1 6.250 1,970.30 64 6.000 1,970.30 FRESH MEADOWS NY 11366 1 03/12/03 00 0099956748 05 05/01/03 0 0099956748 O 04/01/33 0 8590453 K15/G02 F 499,900.00 ZZ 360 499,900.00 1 6.125 3,037.45 75 5.875 3,037.45 SUFFERN NY 10901 5 03/26/03 00 0435611710 05 05/01/03 0 021205511030 O 04/01/33 0 8590463 883/G02 F 97,400.00 ZZ 360 97,400.00 1 7.125 656.20 80 6.875 656.20 CLERMONT FL 34711 1 03/28/03 00 0435618723 03 05/01/03 0 44000266 N 04/01/33 0 8590563 G34/G02 F 173,200.00 ZZ 360 173,200.00 1 6.000 1,038.42 72 5.750 1,038.42 1 OAK LEAF TX 75154 2 03/24/03 00 0435617303 05 05/01/03 0 47000086 O 04/01/33 0 8590809 Q14/G02 F 216,000.00 ZZ 360 216,000.00 1 6.500 1,365.27 90 6.250 1,365.27 PRESCOTT AZ 86301 1 03/03/03 01 0435616834 03 05/01/03 25 00003-11655 O 04/01/33 0 8591259 P44/G02 F 188,000.00 ZZ 360 188,000.00 1 6.500 1,188.29 87 6.250 1,188.29 MASHPEE MA 02649 5 02/28/03 10 0435652870 05 05/01/03 25 0053 O 04/01/33 0 8591477 U19/G02 F 120,000.00 ZZ 360 120,000.00 1 6.250 738.86 80 6.000 738.86 KANSAS CITY MO 64134 5 03/26/03 00 0435634126 05 05/01/03 0 58042011 O 04/01/33 0 8591581 U19/G02 F 196,500.00 ZZ 360 196,500.00 1 6.250 1,209.88 80 6.000 1,209.88 COLORADO SPRING CO 80919 5 03/21/03 00 0435625389 03 05/01/03 0 58042019 O 04/01/33 0 8592211 X67/G02 F 235,000.00 ZZ 360 235,000.00 1 6.625 1,504.73 73 6.375 1,504.73 SUFFERN NY 10901 5 03/13/03 00 0435627807 05 05/01/03 0 00241716 O 04/01/33 0 1 8592315 E22/G02 F 150,500.00 ZZ 360 150,500.00 1 5.875 890.26 60 5.625 890.26 PELHAM AL 35124 2 04/02/03 00 0416299659 05 05/01/03 0 0416299659 O 04/01/33 0 8592503 E22/G02 F 252,000.00 ZZ 360 252,000.00 1 6.250 1,551.61 80 6.000 1,551.61 AUBURN CA 95603 1 03/26/03 00 0416440543 05 05/01/03 0 0416440543 N 04/01/33 0 8592519 E22/G02 F 140,000.00 ZZ 360 140,000.00 1 6.375 873.42 80 6.125 873.42 HOUSTON TX 77070 5 04/02/03 00 0416446334 03 05/01/03 0 0416446334 O 04/01/33 0 8592925 E22/G02 F 270,900.00 ZZ 360 270,900.00 1 7.125 1,825.10 90 6.875 1,825.10 EUGENE OR 97408 2 03/25/03 04 0416512606 05 05/01/03 25 0416512606 O 04/01/33 0 8592959 U05/G02 F 172,000.00 ZZ 360 172,000.00 1 6.375 1,073.06 80 6.125 1,073.06 RANCHO CORDOVA CA 95670 5 03/14/03 00 0435607239 05 05/01/03 0 3324604 N 04/01/33 0 8593205 P34/G02 F 137,700.00 ZZ 360 137,700.00 1 1 6.750 893.12 95 6.500 893.12 MIDLOTHIAN VA 23113 2 03/21/03 10 0435663166 05 05/01/03 30 15895 O 04/01/33 0 8593263 N67/G02 F 144,750.00 ZZ 360 144,750.00 1 6.000 867.85 80 5.750 867.85 TOLLESON AZ 85043 1 03/24/03 00 0435620323 05 05/01/03 0 1760003880 O 04/01/33 0 8593309 944/G02 F 146,250.00 ZZ 360 146,250.00 1 5.875 865.13 75 5.625 865.13 TUCSON AZ 85719 5 03/27/03 00 0435612767 05 05/01/03 0 W02039388 N 04/01/33 0 8593461 B44/G02 F 175,000.00 ZZ 360 175,000.00 1 6.375 1,091.77 57 6.125 1,091.77 DAVIS CA 95616 5 03/24/03 00 0435659693 03 05/01/03 0 3030203 O 04/01/33 0 8593659 696/G02 F 303,900.00 ZZ 360 303,900.00 1 5.875 1,797.68 80 5.625 1,797.68 ARLINGTON VA 22202 1 03/31/03 00 0435603782 06 05/01/03 0 25103073 O 04/01/33 0 8593773 U37/G02 F 449,200.00 ZZ 360 448,803.68 1 6.625 2,876.28 90 6.375 2,876.28 ATASCADERO CA 93422 1 02/13/03 01 0435670708 05 04/01/03 25 1 8900011110 O 03/01/33 0 8593835 P09/G02 F 198,300.00 ZZ 360 198,300.00 1 5.875 1,173.02 75 5.625 1,173.02 NEWARK DE 19702 2 03/27/03 00 0435640016 05 05/01/03 0 LOFINK O 04/01/33 0 8593941 Q14/G02 F 106,200.00 ZZ 360 106,200.00 1 7.000 706.55 90 6.750 706.55 MERRIAM KS 66202 1 03/31/03 01 0435626320 05 05/01/03 25 0000312325 N 04/01/33 0 8594353 940/G02 F 400,000.00 ZZ 360 400,000.00 1 6.250 2,462.87 71 6.000 2,462.87 YORBA LINDA CA 92886 5 03/13/03 00 0435652268 05 05/01/03 0 40030327 O 04/01/33 0 8594507 E47/G02 F 162,350.00 ZZ 360 162,350.00 1 6.375 1,012.85 80 6.125 1,012.85 CERES CA 95307 1 03/19/03 00 0435626973 05 05/01/03 0 7359513721 O 04/01/33 0 8594939 952/G02 F 250,000.00 ZZ 360 250,000.00 1 6.250 1,539.29 68 6.000 1,539.29 TEANECK NJ 07666 1 04/01/03 00 0435634142 05 05/01/03 0 03001442 O 04/01/33 0 1 8595145 E47/G02 F 155,500.00 ZZ 360 155,500.00 1 5.875 919.84 65 5.625 919.84 CHARLOTTE NC 28204 5 03/26/03 00 0435626684 05 05/01/03 0 7350510763 O 04/01/33 0 8595175 K15/G02 F 165,500.00 ZZ 360 165,500.00 1 5.875 978.99 68 5.625 978.99 NEDERLAND CO 80466 5 03/26/03 00 0435610357 05 05/01/03 0 023305508001 O 04/01/33 0 8595189 K15/G02 F 104,200.00 ZZ 360 104,200.00 1 7.125 702.01 75 6.875 702.01 VERNON CT 06066 5 03/26/03 00 0435610589 05 05/01/03 0 037905508293 N 04/01/33 0 8595753 E22/G02 F 149,500.00 ZZ 360 149,500.00 1 6.625 957.26 95 6.375 957.26 EUREKA TX 75109 2 03/31/03 04 0416329811 05 05/01/03 30 0416329811 O 04/01/33 0 8595765 E22/G02 F 81,000.00 ZZ 360 81,000.00 3 7.250 552.56 90 7.000 552.56 MACON GA 31240 1 03/28/03 10 0416335099 05 05/01/03 25 0416335099 N 04/01/33 0 8597177 E47/G02 F 219,000.00 ZZ 360 219,000.00 1 6.000 1,313.02 80 5.750 1,313.02 1 RINGWOOD NJ 07456 1 04/01/03 00 0435652391 05 05/01/03 0 7338511152 O 04/01/33 0 8597289 420/G02 F 480,000.00 ZZ 360 480,000.00 1 6.125 2,916.53 76 5.875 2,916.53 PLEASANT HILL CA 94523 5 03/24/03 00 0435633409 05 05/01/03 0 73000976 O 04/01/33 0 8597349 420/G02 F 368,000.00 ZZ 360 368,000.00 1 6.125 2,236.01 76 5.875 2,236.01 SANTA ROSA CA 95404 2 03/21/03 00 0435632484 05 05/01/03 0 73000472 O 04/01/33 0 8597559 M27/G02 F 200,000.00 ZZ 360 200,000.00 1 6.125 1,215.22 40 5.875 1,215.22 WILMINGTON NC 28401 2 03/31/03 00 0435644794 05 05/01/03 0 100133206009084 O 04/01/33 0 8597685 L20/G02 F 128,000.00 ZZ 360 128,000.00 1 6.125 777.74 73 5.875 777.74 BOISE ID 83702 1 04/04/03 00 0435648001 05 05/01/03 0 1151080134 O 04/01/33 0 8598021 K15/G02 F 314,700.00 ZZ 360 314,700.00 1 6.125 1,912.15 90 5.875 1,912.15 MADISON CT 06443 2 03/26/03 41 0435632302 05 05/01/03 25 037405508163 O 04/01/33 0 1 8598651 P44/G02 F 108,000.00 ZZ 360 108,000.00 1 6.250 664.97 80 6.000 664.97 GARDNER MA 01440 1 03/28/03 00 0435638705 05 05/01/03 0 1 O 04/01/33 0 8598897 U09/G02 F 60,000.00 ZZ 360 60,000.00 1 7.000 399.19 60 6.750 399.19 WATERFORD MI 48327 1 03/28/03 00 0435662648 01 05/01/03 0 2300650 N 04/01/33 0 8601139 S27/G02 F 245,446.00 ZZ 360 245,446.00 1 6.000 1,471.58 95 5.750 1,471.58 FT LAUDERDALE FL 33332 1 03/31/03 10 0435669718 03 05/01/03 30 1010027524 O 04/01/33 0 8601669 K15/G02 F 112,000.00 ZZ 360 112,000.00 1 7.125 754.56 80 6.875 754.56 STOCKTON CA 95205 5 03/25/03 00 0435640545 05 05/01/03 0 039005507640 O 04/01/33 0 8601969 624/G02 F 100,400.00 ZZ 360 100,400.00 1 6.125 610.04 80 5.875 610.04 LOVELAND CO 80537 1 03/21/03 00 0435639414 01 05/01/03 0 1000026548 O 04/01/33 0 8601993 U85/G02 F 90,400.00 ZZ 360 90,400.00 4 1 7.250 616.69 87 7.000 616.69 DAVENPORT IA 52806 2 03/25/03 10 0435664933 05 05/01/03 25 TQS69 N 04/01/33 0 8603657 H81/G02 F 146,000.00 ZZ 360 146,000.00 1 6.375 910.85 79 6.125 910.85 WAUKESHA WI 53189 2 03/28/03 00 0435664990 05 05/01/03 0 WH18141 O 04/01/33 0 8604697 U05/G02 F 420,000.00 ZZ 360 420,000.00 1 6.125 2,551.96 75 5.875 2,551.96 LINCOLN CA 95648 5 03/24/03 00 0435675566 05 05/01/03 0 3325844 O 04/01/33 0 8609257 E57/G02 F 338,400.00 ZZ 360 338,400.00 1 6.375 2,111.18 80 6.125 2,111.18 LOS ANGELES CA 90041 5 03/26/03 00 0435673181 05 05/01/03 0 17300865 O 04/01/33 0 8609793 W93/G02 F 115,200.00 ZZ 360 114,665.67 1 6.500 728.15 80 6.250 728.15 PHOENIX AZ 85015 1 12/17/02 00 0435631015 05 02/01/03 0 55430784 O 01/01/33 0 8610389 T29/G02 F 110,000.00 ZZ 360 109,893.09 1 6.125 668.37 76 5.875 668.37 MESA AZ 85204 2 02/07/03 00 0435651054 05 04/01/03 0 1 1531000 O 03/01/33 0 8610653 K15/G02 F 170,100.00 ZZ 360 170,100.00 2 6.125 1,033.55 78 5.875 1,033.55 LAWRENCE MA 01841 5 03/21/03 00 0435665146 05 05/01/03 0 024505512237 O 04/01/33 0 8611079 F89/G02 F 320,000.00 ZZ 360 320,000.00 1 6.125 1,944.35 77 5.875 1,944.35 HAWTHORNE CA 90250 5 03/28/03 00 0435664503 05 05/01/03 0 28748 O 04/01/33 0 8611787 F89/G02 F 110,000.00 ZZ 360 110,000.00 1 6.125 668.37 58 5.875 668.37 LANCASTER CA 93536 2 03/20/03 00 0435642954 05 05/01/03 0 10627472 O 04/01/33 0 8616231 F89/G02 F 204,000.00 ZZ 360 204,000.00 1 6.250 1,256.06 80 6.000 1,256.06 LONG BEACH CA 90810 5 03/21/03 00 0435665575 05 05/01/03 0 28456 O 04/01/33 0 8622709 T08/G02 F 140,700.00 ZZ 300 139,774.58 1 5.875 895.81 65 5.625 895.81 KEEDYSVILLE MD 21756 5 12/09/02 00 0435654413 05 02/01/03 0 11210572 O 01/01/28 0 1 8622719 T08/G02 F 144,000.00 ZZ 360 143,853.19 1 5.875 851.81 80 5.625 851.81 WESTON FL 33326 1 02/27/03 00 0435654553 03 04/01/03 0 132017012 O 03/01/33 0 8622737 T08/G02 F 182,555.00 ZZ 360 182,555.00 1 6.500 1,153.87 95 6.250 1,153.87 JACKSONVILLE FL 32259 1 03/27/03 11 0435654652 03 05/01/03 35 13220611 O 04/01/33 0 8622739 T08/G02 F 376,000.00 ZZ 360 376,000.00 1 5.875 2,224.18 80 5.625 2,224.18 JACKSONVILLE FL 32266 1 03/26/03 00 0435654686 05 05/01/03 0 13410215 O 04/01/33 0 8622751 W96/G02 F 237,400.00 ZZ 360 236,614.77 1 7.000 1,579.43 80 6.750 1,579.43 MIAMI FL 33193 1 11/18/02 00 0435656152 03 01/01/03 0 22100664 O 12/01/32 0 TOTAL NUMBER OF LOANS : 1,741 TOTAL ORIGINAL BALANCE : 323,593,256.00 TOTAL PRINCIPAL BALANCE : 323,298,899.17 TOTAL ORIGINAL P+I : 2,015,969.41 TOTAL CURRENT P+I : 2,015,969.43 *************************** * END OF REPORT * ***************************
EXHIBIT TWO SCHEDULE OF DISCOUNT FRACTIONS Schedule of Discount Fractions Loan Number Current Balance Net Mortgage Rate Discount Fraction PO Balance 8064993 $239,609.99 5.970% 0.5000% $1,198.05 8094141 $170,990.76 5.970% 0.5000% $854.95 8109999 $234,470.56 5.970% 0.5000% $1,172.35 8206945 $241,672.03 5.970% 0.5000% $1,208.36 8222077 $541,392.14 5.970% 0.5000% $2,706.96 8277225 $383,215.06 5.595% 6.7500% $25,867.02 8282717 $232,229.30 5.970% 0.5000% $1,161.15 8292217 $234,497.23 5.970% 0.5000% $1,172.49 8308375 $180,082.43 5.970% 0.5000% $900.41 8309079 $279,159.60 5.720% 4.6667% $13,027.45 8354070 $340,000.00 5.720% 4.6667% $15,866.67 8354272 $435,355.67 5.595% 6.7500% $29,386.51 8354388 $403,607.33 5.845% 2.5833% $10,426.52 8355062 $175,000.00 5.845% 2.5833% $4,520.83 8355147 $291,444.44 5.970% 0.5000% $1,457.22 8356754 $403,660.00 5.720% 4.6667% $18,837.47 8356912 $400,000.00 5.720% 4.6667% $18,666.67 8357762 $585,402.55 5.595% 6.7500% $39,514.67 8357848 $240,000.00 5.845% 2.5833% $6,200.00 8357896 $353,800.00 5.845% 2.5833% $9,139.83 8358316 $240,000.00 5.845% 2.5833% $6,200.00 8358408 $223,900.00 5.970% 0.5000% $1,119.50 8358418 $206,400.00 5.595% 6.7500% $13,932.00 8358756 $135,000.00 5.720% 4.6667% $6,300.00 8359030 $192,000.00 5.970% 0.5000% $960.00 8359984 $250,000.00 5.845% 2.5833% $6,458.33 8361496 $357,000.00 5.845% 2.5833% $9,222.50 8362422 $140,000.00 5.720% 4.6667% $6,533.33 8374127 $196,375.67 5.970% 0.5000% $981.88 8376261 $523,497.76 5.970% 0.5000% $2,617.49 8378659 $449,573.02 5.970% 0.5000% $2,247.87 8394243 $88,314.74 5.470% 8.8333% $7,801.14 8407457 $81,878.95 5.970% 0.5000% $409.39 8416545 $184,271.21 5.970% 0.5000% $921.36 8427253 $973,552.85 5.845% 2.5833% $25,150.12 8432645 $182,393.85 5.845% 2.5833% $4,711.84 8450327 $109,321.17 5.970% 0.5000% $546.61 8451295 $255,745.15 5.720% 4.6667% $11,934.77 8452757 $132,970.63 5.845% 2.5833% $3,435.07 8459169 $399,611.23 5.845% 2.5833% $10,323.29 8461333 $612,000.00 5.720% 4.6667% $28,560.00 8462137 $259,455.78 5.470% 8.8333% $22,918.59 8466293 $464,548.05 5.845% 2.5833% $12,000.82 8473187 $192,612.61 5.845% 2.5833% $4,975.83 8477753 $128,375.11 5.845% 2.5833% $3,316.36 8477799 $254,733.77 5.470% 8.8333% $22,501.48 8477985 $93,500.00 5.845% 2.5833% $2,415.42 8478531 $103,000.00 5.845% 2.5833% $2,660.83 8482595 $239,766.73 5.845% 2.5833% $6,193.97 8483699 $227,773.02 5.720% 4.6667% $10,629.41 8483887 $173,590.13 5.970% 0.5000% $867.95 8487485 $171,873.77 5.970% 0.5000% $859.37 8488899 $147,600.00 5.470% 8.8333% $13,038.00 Wednesday, April 23, 2003 Page 1 of 15 8489351 $281,000.00 5.970% 0.5000% $1,405.00 8489663 $109,669.33 5.470% 8.8333% $9,687.46 8490411 $85,600.00 5.595% 6.7500% $5,778.00 8490489 $650,000.00 5.970% 0.5000% $3,250.00 8490593 $399,900.00 5.845% 2.5833% $10,330.75 8490639 $347,653.56 5.720% 4.6667% $16,223.83 8490731 $93,000.00 5.845% 2.5833% $2,402.50 8491987 $339,337.39 5.845% 2.5833% $8,766.22 8492259 $127,775.69 5.845% 2.5833% $3,300.87 8492261 $229,771.03 5.720% 4.6667% $10,722.65 8492749 $552,500.00 5.720% 4.6667% $25,783.33 8494903 $160,800.00 5.970% 0.5000% $804.00 8494935 $128,000.00 5.845% 2.5833% $3,306.67 8495177 $115,000.00 5.470% 8.8333% $10,158.33 8495313 $212,500.00 5.845% 2.5833% $5,489.58 8495629 $160,800.00 5.970% 0.5000% $804.00 8495695 $310,000.00 5.845% 2.5833% $8,008.33 8495705 $105,000.00 5.970% 0.5000% $525.00 8495837 $450,000.00 5.845% 2.5833% $11,625.00 8495865 $192,800.00 5.720% 4.6667% $8,997.33 8495867 $375,000.00 5.845% 2.5833% $9,687.50 8499681 $213,765.76 5.220% 13.0000% $27,789.55 8500979 $322,000.00 5.470% 8.8333% $28,443.33 8502065 $120,000.00 5.845% 2.5833% $3,100.00 8502119 $192,800.00 5.970% 0.5000% $964.00 8502151 $72,000.00 5.970% 0.5000% $360.00 8502207 $228,800.00 5.595% 6.7500% $15,444.00 8503247 $524,421.21 5.720% 4.6667% $24,472.99 8503375 $175,229.52 5.845% 2.5833% $4,526.76 8503591 $648,099.68 5.720% 4.6667% $30,244.65 8503597 $523,976.85 5.845% 2.5833% $13,536.07 8503601 $399,214.43 5.845% 2.5833% $10,313.04 8503607 $451,097.81 5.720% 4.6667% $21,051.23 8503611 $368,662.68 5.720% 4.6667% $17,204.26 8503747 $225,000.00 5.595% 6.7500% $15,187.50 8503791 $98,706.25 5.970% 0.5000% $493.53 8503815 $225,250.00 5.970% 0.5000% $1,126.25 8504381 $373,271.14 5.845% 2.5833% $9,642.84 8504387 $351,623.69 5.345% 10.9167% $38,385.59 8504405 $512,000.25 5.845% 2.5833% $13,226.67 8504415 $347,653.56 5.720% 4.6667% $16,223.83 8504423 $398,203.59 5.720% 4.6667% $18,582.83 8504443 $518,986.62 5.845% 2.5833% $13,407.15 8504453 $443,197.29 5.845% 2.5833% $11,449.26 8504539 $570,830.78 5.595% 6.7500% $38,531.08 8504545 $377,224.10 5.720% 4.6667% $17,603.79 8504553 $399,162.76 5.470% 8.8333% $35,259.38 8504565 $604,262.31 5.595% 6.7500% $40,787.71 8507173 $128,000.00 5.845% 2.5833% $3,306.67 8507193 $170,050.00 5.970% 0.5000% $850.25 8507401 $508,000.00 5.970% 0.5000% $2,540.00 8508665 $199,810.24 5.970% 0.5000% $999.05 8508775 $115,300.00 5.595% 6.7500% $7,782.75 8509607 $164,000.00 5.720% 4.6667% $7,653.33 8510503 $216,000.00 5.970% 0.5000% $1,080.00 8511729 $122,400.00 5.970% 0.5000% $612.00 8511905 $51,000.00 5.720% 4.6667% $2,380.00 Wednesday, April 23, 2003 Page 2 of 15 8511917 $240,000.00 5.845% 2.5833% $6,200.00 8512009 $72,000.00 5.845% 2.5833% $1,860.00 8512087 $195,000.00 5.720% 4.6667% $9,100.00 8512115 $192,000.00 5.720% 4.6667% $8,960.00 8512135 $345,000.00 5.970% 0.5000% $1,725.00 8512171 $225,000.00 5.720% 4.6667% $10,500.00 8512179 $192,000.00 5.845% 2.5833% $4,960.00 8512183 $315,000.00 5.970% 0.5000% $1,575.00 8512193 $256,000.00 5.720% 4.6667% $11,946.67 8512195 $160,000.00 5.845% 2.5833% $4,133.33 8512221 $148,000.00 5.970% 0.5000% $740.00 8512267 $322,000.00 5.970% 0.5000% $1,610.00 8512271 $206,400.00 5.595% 6.7500% $13,932.00 8512291 $115,000.00 5.595% 6.7500% $7,762.50 8512325 $56,000.00 5.595% 6.7500% $3,780.00 8512381 $104,000.00 5.970% 0.5000% $520.00 8515523 $311,681.90 5.595% 6.7500% $21,038.53 8515561 $185,000.00 5.970% 0.5000% $925.00 8516617 $155,000.00 5.845% 2.5833% $4,004.17 8516747 $160,000.00 5.720% 4.6667% $7,466.67 8516925 $239,772.28 5.970% 0.5000% $1,198.86 8517147 $119,927.60 5.595% 6.7500% $8,095.11 8517357 $195,804.88 5.720% 4.6667% $9,137.56 8517783 $251,755.07 5.845% 2.5833% $6,503.67 8517949 $134,871.90 5.970% 0.5000% $674.36 8519583 $379,639.44 5.970% 0.5000% $1,898.20 8519857 $120,000.00 5.720% 4.6667% $5,600.00 8520111 $72,000.00 5.720% 4.6667% $3,360.00 8520167 $160,000.00 5.720% 4.6667% $7,466.67 8520175 $205,600.00 5.970% 0.5000% $1,028.00 8520245 $206,400.00 5.845% 2.5833% $5,332.00 8520417 $75,900.00 5.720% 4.6667% $3,542.00 8520531 $212,000.00 5.970% 0.5000% $1,060.00 8520599 $280,000.00 5.845% 2.5833% $7,233.33 8520603 $132,000.00 5.845% 2.5833% $3,410.00 8520655 $285,000.00 5.970% 0.5000% $1,425.00 8520675 $195,500.00 5.845% 2.5833% $5,050.42 8521195 $520,000.00 5.845% 2.5833% $13,433.33 8521263 $152,851.30 5.845% 2.5833% $3,948.66 8521623 $202,213.36 5.845% 2.5833% $5,223.85 8521693 $116,800.00 5.595% 6.7500% $7,884.00 8521707 $111,000.00 5.845% 2.5833% $2,867.50 8521733 $103,696.67 5.720% 4.6667% $4,839.18 8522021 $149,847.06 5.595% 6.7500% $10,114.68 8522045 $153,189.89 5.470% 8.8333% $13,531.77 8522305 $72,000.00 5.595% 6.7500% $4,860.00 8522315 $368,000.00 5.845% 2.5833% $9,506.67 8522327 $56,000.00 5.970% 0.5000% $280.00 8522339 $121,500.00 5.845% 2.5833% $3,138.75 8522349 $92,430.00 5.595% 6.7500% $6,239.03 8522353 $239,000.00 5.595% 6.7500% $16,132.50 8522469 $228,000.00 5.970% 0.5000% $1,140.00 8522517 $105,000.00 5.970% 0.5000% $525.00 8522519 $280,000.00 5.595% 6.7500% $18,900.00 8522541 $133,500.00 5.845% 2.5833% $3,448.75 8522571 $280,000.00 5.845% 2.5833% $7,233.33 8522577 $76,000.00 5.845% 2.5833% $1,963.33 Wednesday, April 23, 2003 Page 3 of 15 8522589 $396,000.00 5.720% 4.6667% $18,480.00 8522595 $108,000.00 5.845% 2.5833% $2,790.00 8522605 $625,000.00 5.845% 2.5833% $16,145.83 8522609 $305,000.00 5.970% 0.5000% $1,525.00 8522623 $452,300.00 5.720% 4.6667% $21,107.33 8522625 $142,500.00 5.845% 2.5833% $3,681.25 8522645 $399,950.00 5.720% 4.6667% $18,664.33 8522901 $134,871.90 5.970% 0.5000% $674.36 8523157 $217,178.35 5.595% 6.7500% $14,659.54 8523161 $321,671.71 5.595% 6.7500% $21,712.84 8523231 $146,860.52 5.970% 0.5000% $734.30 8523249 $214,196.57 5.970% 0.5000% $1,070.98 8523299 $158,030.87 5.345% 10.9167% $17,251.70 8523617 $374,644.18 5.970% 0.5000% $1,873.22 8523751 $313,694.81 5.845% 2.5833% $8,103.78 8523899 $319,500.00 5.470% 8.8333% $28,222.50 8523931 $368,000.00 5.845% 2.5833% $9,506.67 8523937 $94,000.00 5.720% 4.6667% $4,386.67 8523961 $204,000.00 5.595% 6.7500% $13,770.00 8524093 $120,000.00 5.595% 6.7500% $8,100.00 8524157 $316,000.00 5.970% 0.5000% $1,580.00 8524225 $176,840.96 5.970% 0.5000% $884.20 8524421 $99,898.04 5.595% 6.7500% $6,743.12 8524467 $224,000.00 5.595% 6.7500% $15,120.00 8524679 $236,264.56 5.720% 4.6667% $11,025.68 8525077 $39,961.13 5.845% 2.5833% $1,032.33 8525367 $240,000.00 5.970% 0.5000% $1,200.00 8525463 $194,211.05 5.845% 2.5833% $5,017.12 8525485 $191,425.30 5.845% 2.5833% $4,945.15 8525609 $154,000.00 5.845% 2.5833% $3,978.33 8525955 $184,590.76 5.970% 0.5000% $922.95 8526043 $186,000.00 5.970% 0.5000% $930.00 8526131 $210,858.74 5.970% 0.5000% $1,054.29 8526389 $71,700.00 5.970% 0.5000% $358.50 8526433 $109,300.00 5.845% 2.5833% $2,823.58 8526717 $287,200.00 5.845% 2.5833% $7,419.33 8526725 $132,800.00 5.470% 8.8333% $11,730.67 8526805 $255,000.00 5.595% 6.7500% $17,212.50 8526825 $72,000.00 5.595% 6.7500% $4,860.00 8526847 $319,920.00 5.970% 0.5000% $1,599.60 8526937 $189,819.71 5.970% 0.5000% $949.10 8528235 $444,577.77 5.970% 0.5000% $2,222.89 8528373 $235,000.00 5.970% 0.5000% $1,175.00 8528417 $202,108.05 5.970% 0.5000% $1,010.54 8528455 $224,000.00 5.970% 0.5000% $1,120.00 8528585 $111,000.00 5.970% 0.5000% $555.00 8528815 $505,769.65 5.970% 0.5000% $2,528.85 8529331 $450,000.00 5.720% 4.6667% $21,000.00 8529593 $350,000.00 5.845% 2.5833% $9,041.67 8529703 $195,200.00 5.845% 2.5833% $5,042.67 8530075 $224,750.00 5.845% 2.5833% $5,806.04 8530099 $52,400.00 5.845% 2.5833% $1,353.67 8530231 $128,000.00 5.720% 4.6667% $5,973.33 8530241 $192,000.00 5.595% 6.7500% $12,960.00 8530245 $183,000.00 5.720% 4.6667% $8,540.00 8530251 $184,000.00 5.845% 2.5833% $4,753.33 8530253 $115,000.00 5.970% 0.5000% $575.00 Wednesday, April 23, 2003 Page 4 of 15 8530305 $135,000.00 5.595% 6.7500% $9,112.50 8530307 $161,100.00 5.720% 4.6667% $7,518.00 8530327 $120,000.00 5.845% 2.5833% $3,100.00 8530363 $225,000.00 5.595% 6.7500% $15,187.50 8530459 $400,000.00 5.845% 2.5833% $10,333.33 8530519 $77,000.00 5.970% 0.5000% $385.00 8530529 $77,040.00 5.845% 2.5833% $1,990.20 8530541 $128,250.00 5.845% 2.5833% $3,313.13 8530587 $615,000.00 5.970% 0.5000% $3,075.00 8530589 $110,300.00 5.845% 2.5833% $2,849.42 8530595 $122,000.00 5.845% 2.5833% $3,151.67 8530615 $621,750.00 5.595% 6.7500% $41,968.13 8531657 $355,617.08 5.845% 2.5833% $9,186.77 8532107 $399,592.18 5.595% 6.7500% $26,972.47 8532591 $109,375.96 5.595% 6.7500% $7,382.88 8532785 $451,140.00 5.970% 0.5000% $2,255.70 8532791 $171,672.74 5.970% 0.5000% $858.36 8532835 $608,839.39 5.970% 0.5000% $3,044.20 8532851 $113,889.20 5.845% 2.5833% $2,942.14 8532865 $79,124.85 5.970% 0.5000% $395.62 8532919 $80,834.42 5.595% 6.7500% $5,456.32 8532955 $84,830.34 5.720% 4.6667% $3,958.75 8532979 $80,638.72 5.720% 4.6667% $3,763.14 8533005 $648,683.34 5.845% 2.5833% $16,757.65 8533009 $201,995.99 5.720% 4.6667% $9,426.48 8533023 $81,444.74 5.970% 0.5000% $407.22 8533031 $399,201.59 5.720% 4.6667% $18,629.41 8533059 $115,660.03 5.845% 2.5833% $2,987.88 8533067 $194,601.40 5.595% 6.7500% $13,135.59 8533081 $99,905.11 5.970% 0.5000% $499.53 8533129 $75,855.39 5.970% 0.5000% $379.28 8533171 $92,471.20 5.720% 4.6667% $4,315.32 8533185 $80,177.03 5.720% 4.6667% $3,741.59 8533237 $224,561.50 5.845% 2.5833% $5,801.17 8533283 $102,365.54 5.720% 4.6667% $4,777.06 8533381 $202,613.76 5.970% 0.5000% $1,013.07 8533389 $239,543.35 5.970% 0.5000% $1,197.72 8533397 $93,807.85 5.595% 6.7500% $6,332.03 8533407 $98,322.42 5.970% 0.5000% $491.61 8533455 $244,322.91 5.845% 2.5833% $6,311.68 8533583 $136,227.54 5.720% 4.6667% $6,357.29 8533587 $129,241.52 5.720% 4.6667% $6,031.27 8533633 $127,257.41 5.970% 0.5000% $636.29 8533647 $86,204.68 5.845% 2.5833% $2,226.95 8533669 $38,722.55 5.720% 4.6667% $1,807.05 8533683 $81,037.82 5.720% 4.6667% $3,781.76 8533729 $147,704.58 5.720% 4.6667% $6,892.88 8533753 $214,590.92 5.970% 0.5000% $1,072.95 8533759 $91,317.36 5.720% 4.6667% $4,261.48 8533777 $305,374.50 5.595% 6.7500% $20,612.78 8533783 $152,348.19 5.720% 4.6667% $7,109.58 8533837 $224,550.90 5.720% 4.6667% $10,479.04 8533843 $117,525.62 5.720% 4.6667% $5,484.53 8533859 $123,879.48 5.845% 2.5833% $3,200.22 8533905 $123,879.48 5.845% 2.5833% $3,200.22 8533921 $116,541.66 5.845% 2.5833% $3,010.66 8533923 $171,672.73 5.970% 0.5000% $858.36 Wednesday, April 23, 2003 Page 5 of 15 8533931 $129,746.64 5.845% 2.5833% $3,351.79 8533969 $279,734.32 5.970% 0.5000% $1,398.67 8534031 $104,590.82 5.720% 4.6667% $4,880.90 8534043 $118,773.57 5.970% 0.5000% $593.87 8534051 $78,897.05 5.970% 0.5000% $394.49 8534135 $114,077.25 5.845% 2.5833% $2,947.00 8534139 $381,754.55 5.845% 2.5833% $9,861.99 8534153 $180,131.04 5.595% 6.7500% $12,158.85 8534199 $244,522.53 5.845% 2.5833% $6,316.83 8534213 $103,792.40 5.720% 4.6667% $4,843.65 8534249 $81,694.26 5.970% 0.5000% $408.47 8534257 $170,325.30 5.970% 0.5000% $851.63 8534293 $86,670.58 5.720% 4.6667% $4,044.63 8534317 $80,768.23 5.970% 0.5000% $403.84 8534339 $155,703.19 5.970% 0.5000% $778.52 8534343 $346,822.77 5.845% 2.5833% $8,959.59 8534367 $129,371.08 5.720% 4.6667% $6,037.32 8534407 $94,814.84 5.845% 2.5833% $2,449.38 8534425 $399,120.65 5.845% 2.5833% $10,310.62 8534467 $434,172.34 5.970% 0.5000% $2,170.86 8534471 $441,732.40 5.970% 0.5000% $2,208.66 8534487 $104,296.34 5.845% 2.5833% $2,694.32 8534493 $164,221.56 5.720% 4.6667% $7,663.67 8534511 $404,191.62 5.720% 4.6667% $18,862.28 8534541 $138,236.48 5.970% 0.5000% $691.18 8534553 $499,001.99 5.720% 4.6667% $23,286.76 8534577 $83,836.30 5.845% 2.5833% $2,165.77 8534585 $116,272.96 5.845% 2.5833% $3,003.72 8534587 $92,120.13 5.845% 2.5833% $2,379.77 8534593 $77,922.35 5.720% 4.6667% $3,636.38 8534609 $126,062.97 5.720% 4.6667% $5,882.94 8534613 $88,762.06 5.845% 2.5833% $2,293.02 8534627 $81,314.37 5.970% 0.5000% $406.57 8534675 $79,840.30 5.720% 4.6667% $3,725.88 8534677 $79,840.30 5.720% 4.6667% $3,725.88 8534679 $79,840.30 5.720% 4.6667% $3,725.88 8534763 $115,274.89 5.845% 2.5833% $2,977.93 8534797 $96,905.12 5.845% 2.5833% $2,503.38 8534805 $91,531.28 5.720% 4.6667% $4,271.46 8534897 $125,247.63 5.845% 2.5833% $3,235.56 8534901 $100,998.00 5.720% 4.6667% $4,713.24 8534917 $130,000.78 5.970% 0.5000% $650.00 8534947 $224,571.89 5.970% 0.5000% $1,122.86 8534971 $79,616.49 5.970% 0.5000% $398.08 8534981 $79,693.96 5.970% 0.5000% $398.47 8534995 $123,464.63 5.970% 0.5000% $617.32 8535035 $109,086.99 5.845% 2.5833% $2,818.08 8535055 $79,844.09 5.845% 2.5833% $2,062.64 8535069 $125,748.49 5.720% 4.6667% $5,868.26 8535139 $130,145.86 5.845% 2.5833% $3,362.10 8535177 $255,449.11 5.720% 4.6667% $11,920.96 8535187 $322,393.81 5.970% 0.5000% $1,611.97 8535195 $88,331.62 5.970% 0.5000% $441.66 8535221 $124,881.39 5.970% 0.5000% $624.41 8535255 $116,886.28 5.845% 2.5833% $3,019.56 8535259 $83,121.05 5.970% 0.5000% $415.61 8535307 $129,609.79 5.720% 4.6667% $6,048.46 Wednesday, April 23, 2003 Page 6 of 15 8535309 $199,810.23 5.970% 0.5000% $999.05 8535315 $98,906.05 5.970% 0.5000% $494.53 8535507 $161,900.00 5.595% 6.7500% $10,928.25 8535621 $353,934.49 5.720% 4.6667% $16,516.94 8535981 $373,844.95 5.970% 0.5000% $1,869.22 8536587 $80,600.00 5.845% 2.5833% $2,082.17 8536593 $110,700.00 5.845% 2.5833% $2,859.75 8536607 $121,600.00 5.845% 2.5833% $3,141.33 8536609 $116,800.00 5.845% 2.5833% $3,017.33 8536637 $164,000.00 5.970% 0.5000% $820.00 8537127 $202,000.00 5.970% 0.5000% $1,010.00 8537261 $76,000.00 5.845% 2.5833% $1,963.33 8537343 $184,000.00 5.970% 0.5000% $920.00 8537503 $240,000.00 5.720% 4.6667% $11,200.00 8537535 $204,500.00 5.970% 0.5000% $1,022.50 8537575 $255,000.00 5.845% 2.5833% $6,587.50 8537587 $72,800.00 5.970% 0.5000% $364.00 8537589 $72,800.00 5.970% 0.5000% $364.00 8537619 $280,000.00 5.720% 4.6667% $13,066.67 8537623 $140,400.00 5.845% 2.5833% $3,627.00 8537677 $161,231.00 5.970% 0.5000% $806.16 8537697 $108,000.00 5.845% 2.5833% $2,790.00 8537733 $184,000.00 5.845% 2.5833% $4,753.33 8537745 $196,000.00 5.845% 2.5833% $5,063.33 8537759 $500,000.00 5.595% 6.7500% $33,750.00 8537765 $164,000.00 5.595% 6.7500% $11,070.00 8537813 $103,120.00 5.720% 4.6667% $4,812.27 8538357 $120,000.00 5.720% 4.6667% $5,600.00 8538455 $484,000.00 5.970% 0.5000% $2,420.00 8538503 $288,000.00 5.470% 8.8333% $25,440.00 8538823 $135,000.00 5.970% 0.5000% $675.00 8538893 $308,000.00 5.970% 0.5000% $1,540.00 8538897 $200,000.00 5.970% 0.5000% $1,000.00 8539017 $519,000.00 5.845% 2.5833% $13,407.50 8539469 $128,850.00 5.970% 0.5000% $644.25 8539527 $117,000.00 5.845% 2.5833% $3,022.50 8539621 $98,000.00 5.845% 2.5833% $2,531.67 8539691 $153,600.00 5.845% 2.5833% $3,968.00 8539719 $212,000.00 5.595% 6.7500% $14,310.00 8539755 $214,500.00 5.845% 2.5833% $5,541.25 8540361 $400,000.00 5.845% 2.5833% $10,333.33 8540813 $183,200.00 5.720% 4.6667% $8,549.33 8541153 $99,680.02 5.845% 2.5833% $2,575.07 8541187 $558,000.00 5.845% 2.5833% $14,415.00 8541257 $435,000.00 5.845% 2.5833% $11,237.50 8541493 $187,200.00 5.970% 0.5000% $936.00 8541501 $258,000.00 5.845% 2.5833% $6,665.00 8541533 $164,443.81 5.970% 0.5000% $822.22 8542013 $213,547.18 5.970% 0.5000% $1,067.74 8542707 $108,050.00 5.845% 2.5833% $2,791.29 8542745 $98,900.00 5.970% 0.5000% $494.50 8542777 $161,600.00 5.595% 6.7500% $10,908.00 8542797 $123,750.00 5.845% 2.5833% $3,196.88 8542845 $92,000.00 5.720% 4.6667% $4,293.33 8542913 $137,600.00 5.720% 4.6667% $6,421.33 8542931 $216,000.00 5.595% 6.7500% $14,580.00 8543245 $97,907.02 5.970% 0.5000% $489.54 Wednesday, April 23, 2003 Page 7 of 15 8543297 $649,321.36 5.470% 8.8333% $57,356.72 8543301 $435,565.96 5.720% 4.6667% $20,326.41 8543305 $495,000.00 5.720% 4.6667% $23,100.00 8543307 $640,000.00 5.720% 4.6667% $29,866.67 8543313 $503,000.00 5.720% 4.6667% $23,473.33 8543325 $442,515.00 5.720% 4.6667% $20,650.70 8543327 $429,450.00 5.720% 4.6667% $20,041.00 8543331 $392,599.32 5.595% 6.7500% $26,500.45 8543333 $476,000.00 5.595% 6.7500% $32,130.00 8543335 $355,653.99 5.845% 2.5833% $9,187.73 8543339 $388,603.40 5.595% 6.7500% $26,230.73 8543341 $509,492.29 5.720% 4.6667% $23,776.31 8543345 $454,113.28 5.845% 2.5833% $11,731.26 8543361 $489,523.75 5.845% 2.5833% $12,646.03 8543389 $399,592.18 5.595% 6.7500% $26,972.47 8543393 $404,606.37 5.845% 2.5833% $10,452.33 8544273 $447,000.00 5.720% 4.6667% $20,860.00 8544373 $500,000.00 5.970% 0.5000% $2,500.00 8544455 $185,000.00 5.845% 2.5833% $4,779.17 8544599 $355,000.00 5.970% 0.5000% $1,775.00 8544941 $401,600.00 5.970% 0.5000% $2,008.00 8545303 $201,000.00 5.845% 2.5833% $5,192.50 8545321 $81,500.00 5.845% 2.5833% $2,105.42 8545413 $244,000.00 5.970% 0.5000% $1,220.00 8545437 $445,000.00 5.470% 8.8333% $39,308.33 8545465 $217,500.00 5.970% 0.5000% $1,087.50 8545535 $316,000.00 5.970% 0.5000% $1,580.00 8545553 $354,400.00 5.595% 6.7500% $23,922.00 8545559 $174,000.00 5.845% 2.5833% $4,495.00 8545937 $225,000.00 5.845% 2.5833% $5,812.50 8545981 $115,532.09 5.595% 6.7500% $7,798.42 8545991 $184,960.00 5.845% 2.5833% $4,778.13 8546013 $99,600.00 5.845% 2.5833% $2,573.00 8546409 $162,000.00 5.970% 0.5000% $810.00 8546493 $195,900.00 5.470% 8.8333% $17,304.50 8546733 $400,000.00 5.970% 0.5000% $2,000.00 8546781 $135,000.00 5.970% 0.5000% $675.00 8546895 $135,000.00 5.720% 4.6667% $6,300.00 8547003 $645,800.00 5.845% 2.5833% $16,683.17 8547007 $240,000.00 5.845% 2.5833% $6,200.00 8547151 $225,000.00 5.970% 0.5000% $1,125.00 8547215 $155,598.62 5.845% 2.5833% $4,019.63 8547261 $67,000.00 5.720% 4.6667% $3,126.67 8547291 $92,800.00 5.970% 0.5000% $464.00 8547303 $348,000.00 5.720% 4.6667% $16,240.00 8548097 $159,200.00 5.970% 0.5000% $796.00 8548107 $193,400.00 5.970% 0.5000% $967.00 8548267 $188,800.00 5.970% 0.5000% $944.00 8548287 $105,000.00 5.720% 4.6667% $4,900.00 8548297 $284,000.00 5.595% 6.7500% $19,170.00 8548307 $297,000.00 5.970% 0.5000% $1,485.00 8548323 $56,750.00 5.720% 4.6667% $2,648.33 8548369 $86,625.00 5.970% 0.5000% $433.13 8548445 $160,000.00 5.970% 0.5000% $800.00 8548511 $194,000.00 5.845% 2.5833% $5,011.67 8548523 $280,000.00 5.595% 6.7500% $18,900.00 8548561 $154,000.00 5.595% 6.7500% $10,395.00 Wednesday, April 23, 2003 Page 8 of 15 8548565 $129,000.00 5.845% 2.5833% $3,332.50 8548569 $110,000.00 5.720% 4.6667% $5,133.33 8548573 $184,200.00 5.970% 0.5000% $921.00 8548645 $184,000.00 5.595% 6.7500% $12,420.00 8548719 $93,550.00 5.845% 2.5833% $2,416.71 8548731 $99,700.00 5.720% 4.6667% $4,652.67 8550099 $370,000.00 5.720% 4.6667% $17,266.67 8550133 $216,600.00 5.845% 2.5833% $5,595.50 8550291 $63,000.00 5.595% 6.7500% $4,252.50 8550333 $352,000.00 5.470% 8.8333% $31,093.33 8550371 $194,810.47 5.845% 2.5833% $5,032.60 8550397 $399,611.23 5.845% 2.5833% $10,323.29 8550413 $624,000.00 5.720% 4.6667% $29,120.00 8550417 $340,000.00 5.720% 4.6667% $15,866.67 8550749 $86,530.00 5.595% 6.7500% $5,840.78 8552033 $256,000.00 5.970% 0.5000% $1,280.00 8552073 $99,000.00 5.845% 2.5833% $2,557.50 8552149 $138,685.00 5.720% 4.6667% $6,471.97 8552181 $199,125.00 5.970% 0.5000% $995.63 8552191 $114,700.00 5.845% 2.5833% $2,963.08 8552193 $119,920.00 5.845% 2.5833% $3,097.93 8552237 $239,000.00 5.720% 4.6667% $11,153.33 8552247 $158,500.00 5.720% 4.6667% $7,396.67 8552251 $63,150.00 5.845% 2.5833% $1,631.38 8552257 $344,000.00 5.845% 2.5833% $8,886.67 8552285 $170,000.00 5.595% 6.7500% $11,475.00 8552297 $153,000.00 5.595% 6.7500% $10,327.50 8552329 $140,000.00 5.970% 0.5000% $700.00 8552429 $184,000.00 5.720% 4.6667% $8,586.67 8552445 $170,000.00 5.720% 4.6667% $7,933.33 8552453 $255,200.00 5.970% 0.5000% $1,276.00 8552487 $73,000.00 5.720% 4.6667% $3,406.67 8552495 $240,000.00 5.845% 2.5833% $6,200.00 8552499 $176,000.00 5.970% 0.5000% $880.00 8552517 $243,500.00 5.720% 4.6667% $11,363.33 8552581 $128,500.00 5.845% 2.5833% $3,319.58 8552605 $220,000.00 5.845% 2.5833% $5,683.33 8552615 $127,000.00 5.845% 2.5833% $3,280.83 8552787 $147,852.67 5.720% 4.6667% $6,899.79 8553135 $121,000.00 5.345% 10.9167% $13,209.17 8553159 $360,100.00 5.470% 8.8333% $31,808.83 8553413 $248,000.00 5.970% 0.5000% $1,240.00 8553417 $101,250.00 5.845% 2.5833% $2,615.63 8553429 $220,779.99 5.720% 4.6667% $10,303.07 8553443 $169,000.00 5.220% 13.0000% $21,970.00 8553449 $186,800.00 5.845% 2.5833% $4,825.67 8553455 $165,500.00 5.970% 0.5000% $827.50 8553481 $176,250.00 5.970% 0.5000% $881.25 8553485 $252,000.00 5.595% 6.7500% $17,010.00 8553491 $126,000.00 5.720% 4.6667% $5,880.00 8553495 $248,000.00 5.720% 4.6667% $11,573.33 8553499 $265,000.00 5.720% 4.6667% $12,366.67 8553503 $131,900.00 5.595% 6.7500% $8,903.25 8553507 $173,000.00 5.720% 4.6667% $8,073.33 8553509 $231,000.00 5.970% 0.5000% $1,155.00 8553511 $156,000.00 5.845% 2.5833% $4,030.00 8553519 $520,000.00 5.845% 2.5833% $13,433.33 Wednesday, April 23, 2003 Page 9 of 15 8553523 $321,679.45 5.720% 4.6667% $15,011.71 8553527 $189,801.63 5.470% 8.8333% $16,765.81 8553531 $111,691.34 5.845% 2.5833% $2,885.36 8553543 $241,500.00 5.595% 6.7500% $16,301.25 8553561 $220,000.00 5.720% 4.6667% $10,266.67 8553565 $225,600.00 5.845% 2.5833% $5,828.00 8553571 $134,359.57 5.470% 8.8333% $11,868.43 8553573 $120,000.00 5.845% 2.5833% $3,100.00 8553589 $269,743.81 5.970% 0.5000% $1,348.72 8553605 $125,000.00 5.470% 8.8333% $11,041.67 8553611 $306,000.00 5.095% 15.0833% $46,155.00 8553623 $239,749.42 5.470% 8.8333% $21,177.87 8553643 $238,573.42 5.970% 0.5000% $1,192.87 8553659 $202,303.18 5.845% 2.5833% $5,226.17 8553663 $193,000.00 5.720% 4.6667% $9,006.67 8553699 $183,500.00 5.845% 2.5833% $4,740.42 8553713 $177,273.35 5.720% 4.6667% $8,272.76 8553783 $88,000.00 5.595% 6.7500% $5,940.00 8553825 $214,000.00 5.845% 2.5833% $5,528.33 8553845 $77,448.76 5.845% 2.5833% $2,000.76 8553899 $135,000.00 5.845% 2.5833% $3,487.50 8553901 $126,000.00 5.720% 4.6667% $5,880.00 8553931 $239,900.00 5.720% 4.6667% $11,195.33 8553947 $217,000.00 5.970% 0.5000% $1,085.00 8554179 $500,000.00 5.595% 6.7500% $33,750.00 8554213 $204,000.00 5.845% 2.5833% $5,270.00 8554541 $225,000.00 5.845% 2.5833% $5,812.50 8555101 $170,000.00 5.970% 0.5000% $850.00 8555113 $121,500.00 5.970% 0.5000% $607.50 8555117 $165,000.00 5.595% 6.7500% $11,137.50 8555175 $160,000.00 5.845% 2.5833% $4,133.33 8555319 $180,000.00 5.970% 0.5000% $900.00 8555343 $116,000.00 5.845% 2.5833% $2,996.67 8555347 $100,000.00 5.970% 0.5000% $500.00 8555493 $119,300.00 5.470% 8.8333% $10,538.17 8555545 $585,000.00 5.845% 2.5833% $15,112.50 8555719 $124,800.00 5.845% 2.5833% $3,224.00 8555749 $156,000.00 5.595% 6.7500% $10,530.00 8555753 $304,000.00 5.720% 4.6667% $14,186.67 8555803 $449,467.00 5.595% 6.7500% $30,339.02 8555845 $420,000.00 5.720% 4.6667% $19,600.00 8555869 $105,000.00 5.845% 2.5833% $2,712.50 8555909 $114,500.00 5.720% 4.6667% $5,343.33 8555919 $221,000.00 5.970% 0.5000% $1,105.00 8555921 $260,000.00 5.720% 4.6667% $12,133.33 8555925 $562,500.00 5.720% 4.6667% $26,250.00 8555971 $500,000.00 5.970% 0.5000% $2,500.00 8556939 $257,900.00 5.845% 2.5833% $6,662.42 8556949 $116,000.00 5.970% 0.5000% $580.00 8557025 $134,500.00 5.595% 6.7500% $9,078.75 8557053 $127,379.02 5.970% 0.5000% $636.90 8557055 $106,700.00 5.845% 2.5833% $2,756.42 8557185 $253,000.00 5.720% 4.6667% $11,806.67 8557499 $370,139.89 5.845% 2.5833% $9,561.95 8557509 $200,000.00 5.720% 4.6667% $9,333.33 8557573 $142,400.00 5.970% 0.5000% $712.00 8557695 $120,000.00 5.970% 0.5000% $600.00 Wednesday, April 23, 2003 Page 10 of 15 8557789 $136,061.14 5.595% 6.7500% $9,184.13 8557791 $196,700.00 5.845% 2.5833% $5,081.42 8557865 $120,000.00 5.720% 4.6667% $5,600.00 8558055 $191,250.00 5.595% 6.7500% $12,909.38 8558071 $114,000.00 5.720% 4.6667% $5,320.00 8558131 $81,548.00 5.720% 4.6667% $3,805.57 8558187 $372,000.00 5.970% 0.5000% $1,860.00 8558239 $178,000.00 5.720% 4.6667% $8,306.67 8558245 $227,695.00 5.845% 2.5833% $5,882.12 8558297 $259,300.00 5.970% 0.5000% $1,296.50 8558383 $127,800.00 5.845% 2.5833% $3,301.50 8558397 $148,000.00 5.845% 2.5833% $3,823.33 8558855 $319,500.00 5.845% 2.5833% $8,253.75 8558965 $200,000.00 5.470% 8.8333% $17,666.67 8559411 $210,000.00 5.595% 6.7500% $14,175.00 8559591 $141,500.00 5.970% 0.5000% $707.50 8559623 $99,000.00 5.720% 4.6667% $4,620.00 8559781 $624,000.00 5.845% 2.5833% $16,120.00 8559871 $104,080.00 5.720% 4.6667% $4,857.07 8559891 $240,000.00 5.970% 0.5000% $1,200.00 8559983 $169,500.00 5.845% 2.5833% $4,378.75 8560069 $280,000.00 5.720% 4.6667% $13,066.67 8560149 $345,000.00 5.720% 4.6667% $16,100.00 8560495 $210,400.00 5.970% 0.5000% $1,052.00 8560541 $247,000.00 5.970% 0.5000% $1,235.00 8561667 $72,100.00 5.845% 2.5833% $1,862.58 8561675 $102,500.00 5.845% 2.5833% $2,647.92 8561679 $108,800.00 5.970% 0.5000% $544.00 8561691 $62,400.00 5.845% 2.5833% $1,612.00 8562497 $119,484.00 5.720% 4.6667% $5,575.92 8562501 $170,400.00 5.970% 0.5000% $852.00 8562509 $150,000.00 5.720% 4.6667% $7,000.00 8562511 $82,800.00 5.970% 0.5000% $414.00 8562555 $109,200.00 5.720% 4.6667% $5,096.00 8562695 $506,500.00 5.845% 2.5833% $13,084.58 8562799 $195,800.00 5.595% 6.7500% $13,216.50 8562939 $488,000.00 5.845% 2.5833% $12,606.67 8565021 $200,000.00 5.720% 4.6667% $9,333.33 8565025 $94,300.00 5.720% 4.6667% $4,400.67 8565029 $167,000.00 5.720% 4.6667% $7,793.33 8565079 $95,500.00 5.720% 4.6667% $4,456.67 8565101 $179,900.00 5.970% 0.5000% $899.50 8565103 $89,000.00 5.720% 4.6667% $4,153.33 8565189 $110,000.00 5.845% 2.5833% $2,841.67 8565229 $176,000.00 5.845% 2.5833% $4,546.67 8565409 $268,000.00 5.595% 6.7500% $18,090.00 8565419 $101,600.00 5.845% 2.5833% $2,624.67 8565429 $125,200.00 5.970% 0.5000% $626.00 8565447 $160,000.00 5.595% 6.7500% $10,800.00 8565459 $275,000.00 5.845% 2.5833% $7,104.17 8565611 $92,000.00 5.710% 4.8333% $4,446.67 8565615 $196,000.00 5.720% 4.6667% $9,146.67 8565707 $224,000.00 5.845% 2.5833% $5,786.67 8566029 $88,000.00 5.970% 0.5000% $440.00 8566031 $126,255.00 5.845% 2.5833% $3,261.59 8566041 $400,000.00 5.595% 6.7500% $27,000.00 8566043 $167,950.00 5.470% 8.8333% $14,835.58 Wednesday, April 23, 2003 Page 11 of 15 8566061 $185,000.00 5.845% 2.5833% $4,779.17 8566073 $120,000.00 5.845% 2.5833% $3,100.00 8566091 $390,000.00 5.845% 2.5833% $10,075.00 8566123 $252,000.00 5.595% 6.7500% $17,010.00 8566127 $188,000.00 5.720% 4.6667% $8,773.33 8566163 $224,000.00 5.470% 8.8333% $19,786.67 8566167 $109,000.00 5.845% 2.5833% $2,815.83 8566169 $243,700.00 5.845% 2.5833% $6,295.58 8566179 $119,000.00 5.720% 4.6667% $5,553.33 8566181 $96,000.00 5.845% 2.5833% $2,480.00 8566183 $186,000.00 5.845% 2.5833% $4,805.00 8566331 $176,250.00 5.595% 6.7500% $11,896.88 8566337 $127,500.00 5.595% 6.7500% $8,606.25 8566361 $145,000.00 5.720% 4.6667% $6,766.67 8566363 $217,000.00 5.720% 4.6667% $10,126.67 8566373 $198,000.00 5.720% 4.6667% $9,240.00 8566405 $149,400.00 5.470% 8.8333% $13,197.00 8566413 $136,500.00 5.595% 6.7500% $9,213.75 8566427 $141,000.00 5.595% 6.7500% $9,517.50 8566429 $83,500.00 5.720% 4.6667% $3,896.67 8566431 $90,000.00 5.595% 6.7500% $6,075.00 8566433 $351,450.00 5.720% 4.6667% $16,401.00 8566443 $114,750.00 5.720% 4.6667% $5,355.00 8566455 $155,000.00 5.720% 4.6667% $7,233.33 8566461 $251,000.00 5.970% 0.5000% $1,255.00 8566467 $160,000.00 5.720% 4.6667% $7,466.67 8566469 $245,000.00 5.720% 4.6667% $11,433.33 8566473 $129,500.00 5.595% 6.7500% $8,741.25 8566483 $176,400.00 5.970% 0.5000% $882.00 8566493 $301,000.00 5.845% 2.5833% $7,775.83 8566495 $322,700.00 5.470% 8.8333% $28,505.17 8566537 $125,600.00 5.220% 13.0000% $16,328.00 8566913 $440,000.00 5.970% 0.5000% $2,200.00 8567197 $285,000.00 5.470% 8.8333% $25,175.00 8567703 $381,000.00 5.845% 2.5833% $9,842.50 8567901 $203,600.00 5.845% 2.5833% $5,259.67 8568331 $187,900.00 5.845% 2.5833% $4,854.08 8568897 $108,000.00 5.970% 0.5000% $540.00 8568907 $215,000.00 5.970% 0.5000% $1,075.00 8568909 $152,000.00 5.720% 4.6667% $7,093.33 8568919 $276,000.00 5.720% 4.6667% $12,880.00 8568929 $584,000.00 5.970% 0.5000% $2,920.00 8568949 $254,000.00 5.845% 2.5833% $6,561.67 8568967 $230,000.00 5.970% 0.5000% $1,150.00 8569013 $140,000.00 5.845% 2.5833% $3,616.67 8569029 $552,000.00 5.720% 4.6667% $25,760.00 8569035 $143,450.00 5.720% 4.6667% $6,694.33 8569091 $138,800.00 5.970% 0.5000% $694.00 8569129 $144,000.00 5.845% 2.5833% $3,720.00 8569255 $105,600.00 5.845% 2.5833% $2,728.00 8569345 $121,500.00 5.845% 2.5833% $3,138.75 8569463 $505,600.00 5.845% 2.5833% $13,061.33 8569553 $110,000.00 5.720% 4.6667% $5,133.33 8569575 $121,500.00 5.970% 0.5000% $607.50 8569579 $203,000.00 5.845% 2.5833% $5,244.17 8569581 $105,600.00 5.845% 2.5833% $2,728.00 8569609 $129,500.00 5.720% 4.6667% $6,043.33 Wednesday, April 23, 2003 Page 12 of 15 8569621 $248,000.00 5.970% 0.5000% $1,240.00 8569693 $150,000.00 5.720% 4.6667% $7,000.00 8569717 $175,000.00 5.845% 2.5833% $4,520.83 8569773 $190,000.00 5.720% 4.6667% $8,866.67 8569785 $180,000.00 5.845% 2.5833% $4,650.00 8569919 $346,400.00 5.970% 0.5000% $1,732.00 8571227 $181,000.00 5.970% 0.5000% $905.00 8571471 $66,000.00 5.720% 4.6667% $3,080.00 8572981 $119,350.00 5.970% 0.5000% $596.75 8573215 $225,000.00 5.595% 6.7500% $15,187.50 8573265 $216,000.00 5.970% 0.5000% $1,080.00 8573331 $270,000.00 5.845% 2.5833% $6,975.00 8573385 $440,000.00 5.845% 2.5833% $11,366.67 8573911 $525,000.00 5.970% 0.5000% $2,625.00 8574151 $505,000.00 5.845% 2.5833% $13,045.83 8576553 $120,000.00 5.720% 4.6667% $5,600.00 8577053 $149,600.00 5.970% 0.5000% $748.00 8577103 $210,000.00 5.720% 4.6667% $9,800.00 8577113 $140,000.00 5.720% 4.6667% $6,533.33 8577189 $236,000.00 5.970% 0.5000% $1,180.00 8578261 $234,000.00 5.595% 6.7500% $15,795.00 8579821 $149,600.00 5.970% 0.5000% $748.00 8579895 $345,000.00 5.845% 2.5833% $8,912.50 8579901 $200,000.00 5.595% 6.7500% $13,500.00 8580357 $200,000.00 5.595% 6.7500% $13,500.00 8580361 $92,700.00 5.720% 4.6667% $4,326.00 8580365 $131,000.00 5.845% 2.5833% $3,384.17 8580373 $164,500.00 5.720% 4.6667% $7,676.67 8580399 $110,800.00 5.845% 2.5833% $2,862.33 8580403 $108,000.00 5.720% 4.6667% $5,040.00 8580407 $105,000.00 5.720% 4.6667% $4,900.00 8580415 $137,250.00 5.470% 8.8333% $12,123.75 8580433 $121,600.00 5.845% 2.5833% $3,141.33 8580509 $487,525.69 5.845% 2.5833% $12,594.41 8580519 $190,000.00 5.970% 0.5000% $950.00 8580541 $177,000.00 5.970% 0.5000% $885.00 8581115 $192,000.00 5.595% 6.7500% $12,960.00 8581145 $228,000.00 5.845% 2.5833% $5,890.00 8581153 $96,000.00 5.720% 4.6667% $4,480.00 8581179 $200,800.00 5.845% 2.5833% $5,187.33 8581183 $244,000.00 5.720% 4.6667% $11,386.67 8581209 $79,500.00 5.720% 4.6667% $3,710.00 8581241 $70,500.00 5.970% 0.5000% $352.50 8581701 $208,000.00 5.970% 0.5000% $1,040.00 8582011 $260,000.00 5.720% 4.6667% $12,133.33 8582115 $137,600.00 5.970% 0.5000% $688.00 8582221 $140,576.53 5.595% 6.7500% $9,488.92 8582225 $166,500.00 5.970% 0.5000% $832.50 8582605 $112,800.00 5.845% 2.5833% $2,914.00 8582825 $178,000.00 5.845% 2.5833% $4,598.33 8582899 $278,900.00 5.595% 6.7500% $18,825.75 8582905 $123,000.00 5.595% 6.7500% $8,302.50 8582935 $195,000.00 5.595% 6.7500% $13,162.50 8583013 $165,600.00 5.720% 4.6667% $7,728.00 8583341 $168,000.00 5.720% 4.6667% $7,840.00 8583475 $260,000.00 5.845% 2.5833% $6,716.67 8583999 $171,000.00 5.970% 0.5000% $855.00 Wednesday, April 23, 2003 Page 13 of 15 8584423 $217,500.00 5.845% 2.5833% $5,618.75 8584447 $107,200.00 5.720% 4.6667% $5,002.67 8584451 $208,000.00 5.720% 4.6667% $9,706.67 8584559 $457,000.00 5.970% 0.5000% $2,285.00 8587009 $110,000.00 5.845% 2.5833% $2,841.67 8587025 $129,000.00 5.345% 10.9167% $14,082.50 8587049 $236,900.00 5.595% 6.7500% $15,990.75 8587059 $178,750.00 5.595% 6.7500% $12,065.63 8587089 $96,000.00 5.595% 6.7500% $6,480.00 8587109 $229,000.00 5.720% 4.6667% $10,686.67 8587657 $135,000.00 5.470% 8.8333% $11,925.00 8587699 $210,000.00 5.970% 0.5000% $1,050.00 8587709 $167,000.00 5.470% 8.8333% $14,751.67 8587721 $190,000.00 5.470% 8.8333% $16,783.33 8587729 $221,000.00 5.845% 2.5833% $5,709.17 8587737 $200,000.00 5.845% 2.5833% $5,166.67 8587827 $600,000.00 5.720% 4.6667% $28,000.00 8588027 $140,000.00 5.720% 4.6667% $6,533.33 8588067 $106,000.00 5.845% 2.5833% $2,738.33 8588105 $380,000.00 5.720% 4.6667% $17,733.33 8588135 $147,000.00 5.720% 4.6667% $6,860.00 8588211 $649,289.25 5.845% 2.5833% $16,773.31 8588513 $585,000.00 5.845% 2.5833% $15,112.50 8588531 $110,800.00 5.845% 2.5833% $2,862.33 8588553 $76,800.00 5.970% 0.5000% $384.00 8588583 $186,400.00 5.845% 2.5833% $4,815.33 8588585 $264,000.00 5.720% 4.6667% $12,320.00 8588671 $300,000.00 5.720% 4.6667% $14,000.00 8588685 $117,500.00 5.595% 6.7500% $7,931.25 8588753 $230,400.00 5.470% 8.8333% $20,352.00 8588757 $137,029.00 5.595% 6.7500% $9,249.46 8588883 $188,000.00 5.845% 2.5833% $4,856.67 8589325 $230,000.00 5.720% 4.6667% $10,733.33 8589637 $232,900.00 5.845% 2.5833% $6,016.58 8590259 $320,000.00 5.970% 0.5000% $1,600.00 8590453 $499,900.00 5.845% 2.5833% $12,914.08 8590563 $173,200.00 5.720% 4.6667% $8,082.67 8591477 $120,000.00 5.970% 0.5000% $600.00 8591581 $196,500.00 5.970% 0.5000% $982.50 8592315 $150,500.00 5.595% 6.7500% $10,158.75 8592503 $252,000.00 5.970% 0.5000% $1,260.00 8593263 $144,750.00 5.720% 4.6667% $6,755.00 8593309 $146,250.00 5.595% 6.7500% $9,871.88 8593659 $303,900.00 5.595% 6.7500% $20,513.25 8593835 $198,300.00 5.595% 6.7500% $13,385.25 8594353 $400,000.00 5.970% 0.5000% $2,000.00 8594939 $250,000.00 5.970% 0.5000% $1,250.00 8595145 $155,500.00 5.595% 6.7500% $10,496.25 8595175 $165,500.00 5.595% 6.7500% $11,171.25 8597177 $219,000.00 5.720% 4.6667% $10,220.00 8597289 $480,000.00 5.845% 2.5833% $12,400.00 8597349 $368,000.00 5.845% 2.5833% $9,506.67 8597559 $200,000.00 5.845% 2.5833% $5,166.67 8597685 $128,000.00 5.845% 2.5833% $3,306.67 8598021 $314,700.00 5.845% 2.5833% $8,129.75 8598651 $108,000.00 5.970% 0.5000% $540.00 8601139 $245,446.00 5.720% 4.6667% $11,454.15 Wednesday, April 23, 2003 Page 14 of 15 8601969 $100,400.00 5.845% 2.5833% $2,593.67 8604697 $420,000.00 5.845% 2.5833% $10,850.00 8610389 $109,893.09 5.845% 2.5833% $2,838.90 8610653 $170,100.00 5.845% 2.5833% $4,394.25 8611079 $320,000.00 5.845% 2.5833% $8,266.67 8611787 $110,000.00 5.845% 2.5833% $2,841.67 8616231 $204,000.00 5.970% 0.5000% $1,020.00 8622709 $139,774.58 5.595% 6.7500% $9,434.78 8622719 $143,853.19 5.595% 6.7500% $9,710.09 8622739 $376,000.00 5.595% 6.7500% $25,380.00 Wednesday, April 23, 2003 Page 15 of 15
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