EX-10.1 3 qs12supp.txt SERIES SUPPLEMENT ================================================================================ RESIDENTIAL ACCREDIT LOANS, INC., Company, RESIDENTIAL FUNDING CORPORATION, Master Servicer, and DEUTSCHE BANK TRUST COMPANY AMERICAS, Trustee SERIES SUPPLEMENT, DATED AS OF JUNE 1, 2003, TO STANDARD TERMS OF POOLING AND SERVICING AGREEMENT dated as of March 1, 2003 Mortgage Asset-Backed Pass-Through Certificates Series 2003-QS12 ================================================================================
TABLE OF CONTENTS Page 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. ..........................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 Page 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 Page 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 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. .....................................................38 Section 9.02. Additional Termination Requirements. (See Section 9.02 of the Standard Terms)...............................................................39 Section 9.03. Termination of Multiple REMICs. (See Section 9.03 of the Standard Terms) 39 Article X REMIC PROVISIONS............................................................40 Section 10.01. REMIC Administration. (See Section 10.01 of the Standard Terms).....40 Section 10.02. Master Servicer; REMIC Administrator and Trustee Indemnification. (See Section 10.02 of the Standard Terms)............................40 Section 10.03. Designation of REMICs................................................40 Section 10.04. Distributions on the Uncertificated REMIC I and REMIC II Regular Interests............................................................40 Section 10.05. Compliance with Withholding Requirements.............................42 Article XI MISCELLANEOUS PROVISIONS....................................................43 Page Section 11.01. Amendment. (See Section 11.01 of the Standard Terms)................43 Section 11.02. Recordation of Agreement; Counterparts. (See Section 11.02 of the Standard Terms)......................................................43 Section 11.03. Limitation on Rights of Certificateholders. (See Section 11.03 of the Standard Terms)......................................................43 Section 11.04. Governing Laws. (See Section 11.04 of the Standard Terms)...........43 Section 11.05. Notices..............................................................43 Section 11.06. Required Notices to Rating Agency and Subservicer. (See Section 11.06 of the Standard Terms).........................................44 Section 11.07. Severability of Provisions. (See Section 11.07 of the Standard Terms)44 Section 11.08. Supplemental Provisions for Resecuritization. (See Section 11.08 of the Standard Terms)...............................................44 Section 11.09. Allocation of Voting Rights..........................................44 Section 11.10. No Petition..........................................................44
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 June 1, 2003 (the "Series Supplement"), to the Standard Terms of Pooling and Servicing Agreement, dated as of March 1, 2003 and attached as Exhibit Four hereto (the "Standard Terms" and, together with this Series Supplement, the "Pooling and Servicing Agreement" or "Agreement"), among RESIDENTIAL ACCREDIT LOANS, INC., as the company (together with its permitted successors and assigns, the "Company"), RESIDENTIAL FUNDING CORPORATION, as master servicer (together with its permitted successors and assigns, the "Master Servicer"), and DEUTSCHE BANK TRUST COMPANY AMERICAS, as Trustee (together with its permitted successors and assigns, the "Trustee"). PRELIMINARY STATEMENT: The Company intends to sell mortgage asset-backed pass-through certificates (collectively, the "Certificates"), to be issued hereunder in multiple classes, which in the aggregate will evidence the entire beneficial ownership interest in the Mortgage Loans. As provided herein, the REMIC Administrator will make an election to treat the entire segregated pool of assets described in the definition of Trust Fund, and subject to this Agreement (including the Mortgage Loans), as two real estate mortgage investment conduits (each, a "REMIC") for federal income tax purposes. The terms and provisions of the Standard Terms are hereby incorporated by reference herein as though set forth in full herein. If any term or provision contained herein shall conflict with or be inconsistent with any provision contained in the Standard Terms, the terms and provisions of this Series Supplement shall govern. All capitalized terms not otherwise defined herein shall have the meanings set forth in the Standard Terms. The Pooling and Servicing Agreement shall be dated as of the date of this Series Supplement. 1 The following table sets forth the designation, type, Pass-Through Rate, aggregate Initial Certificate Principal Balance, Maturity Date, initial ratings and certain features for each Class of Certificates comprising the interests in the Trust Fund created hereunder.
AGGREGATE INITIAL CERTIFICATE PASS-THROUGH PRINCIPAL MATURITY FITCH/ MINIMUM DESIGNATION RATE BALANCE FEATURES1 DATE MOODY'S DENOMINATIONS2 - Class A-1 3.75% Senior/Fixed Rate June 25, $100,000,000.00 2018 AAA/Aaa $25,000.00 Class A-2 Adjustable Senior/Floater/AdjustablJune 25, Rate3 $45,000,000.00 Rate 2018 AAA/Aaa $25,000.00 Class A-2A Adjustable Senior/Inverse Rate3 Floater/Interest June 25, $0.004 Only/Adjustable Rate 2018 AAA/Aaa $2,000,000.00 Class A-3 4.00% Senior/Fixed Rate June 25, $10,000,000.00 2018 AAA/Aaa $25,000.00 Class A-4 3.35% Senior/Fixed Rate June 25, $95,102,000.00 2018 AAA/Aaa $25,000.00 Class A-5 5.00% Senior/Interest June 25, $0.005 Only/ Fixed Strip 2018 AAA/Aaa $2,000,000.00 Class A-P 0.00% Senior/Principal June 25, $25,000.00 $1,563,921.66 Only 2018 AAA/Aaa Class A-V Variable $0.00 Senior/Interest June 25, 7 Rate6 Only/Variable Rate 2018 AAA/Aaa Class R-I 5.00% $100.00 Senior/Residual/Fixed June 25, 8 Rate 2018 AAA/Aaa Class R-II 5.00% $100.00 Senior/Residual/Fixed June 25, 8 Rate 2018 AAA/Aaa Class M-1 5.00% Mezzanine/ Fixed June 25, AA/NA $25,000.00 $4,261,200.00 Rate 2018 Class M-2 5.00% Mezzanine/ Fixed June 25, A/NA $250,000.00 $516,600.00 Rate 2018 Class M-3 5.00% Mezzanine/ Fixed June 25, BBB/NA $250,000.00 $774,800.00 Rate 2018 Class B-1 5.00% Subordinate/ Fixed June 25, $250,000.00 $387,400.00 Rate 2018 BB/NA Class B-2 5.00% Subordinate/ Fixed June 25, B/NA $250,000.00 $258,300.00 Rate 2018 Class B-3 5.00% Subordinate/ Fixed June 25, NA/NA $250,000.00 $388,068.36 Rate 2018
1 The Certificates, other than the Class A-P, Class A-V, Class B and Class R Certificates shall be Book-Entry Certificates. The Class A-P, Class A-V, Class B and Class R Certificates shall be delivered to the holders thereof in physical form. 2 The Certificates, other than the Class A-V and Class R Certificates, shall be issuable in minimum dollar denominations as indicated above (by Certificate Principal Balance or Notional Amount, as applicable) and integral multiples of $1 (or $1,000 in the case of the Class A-P, Class B-1, Class B-2 and Class B-3 Certificates) in excess thereof, except that one Certificate of any of the Class A-P and Class B-1, Class B-2 and Class B-3 Certificates that contain an uneven multiple of $1,000 shall be issued in a denomination equal to the sum of the related minimum denomination set forth above and such uneven multiple for such Class or the sum of such denomination and an integral multiple of $1,000. 3 -------------------- ---------------- ---------------- --------------- ------- Adjustable Rates: Initial Formula Maximum Minimum Class A-2 1.50% LIBOR + 0.40% 8.00% 0.40% Class A-2A 6.50% 7.60% - LIBOR 7.60% 0.00% 2 4 The Class A-2A Certificates do not have a principal balance. For the purpose of calculating interest payments, interest on the Class A-2A Certificates will accrue on a Notional Amount equal to the Certificate Principal Balance of the Class A-2 Certificates. 5 The Class A-5 Certificates do not have a principal balance. For the purpose of calculating interest payments, interest on the Class A-5 Certificates will accrue on a Notional Amount equal to the product of 33% multiplied by the Certificate Principal Balance of the Class A-4 Certificates. 6 The initial Pass-Through Rate on the Class A-V Certificates is 0.2435%. 7 The Class A-V Certificates shall be issuable in minimum denominations of not less than a 20% Percentage Interest. 8 Each Class of the Class R Certificates shall be issuable in minimum denominations of not less than a 20% Percentage Interest; provided, however, that one Class R Certificate of each Class will be issuable to Residential Funding as "tax matters person" pursuant to Section 10.01(c) and (e) in a minimum denomination representing a Percentage Interest of not less than 0.01%. The Mortgage Loans have an aggregate principal balance as of the Cut-off Date of $258,252,490.02. In consideration of the mutual agreements herein contained, the Company, the Master Servicer and the Trustee agree as follows: 3 ARTICLE 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-2 Certificates or Class A-2A Certificates. Bankruptcy Amount: As of any date of determination prior to the first anniversary of the Cut-off Date, an amount equal to the excess, if any, of (A) $100,000 over (B) the aggregate amount of Bankruptcy Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 of this Series Supplement. As of any date of determination on or after the first anniversary of the Cut-off Date, an amount equal to the excess, if any, of (1) the lesser of (a) the Bankruptcy Amount calculated as of the close of business on the Business Day immediately preceding the most recent anniversary of the Cut-off Date coinciding with or preceding such date of determination (or, if such date of determination is an anniversary of the Cut-off Date, the Business Day immediately preceding such date of determination) (for purposes of this definition, the "Relevant Anniversary") and (b) the greater of (A) (i) if the aggregate principal balance of the Non-Primary Residence Loans as of the Relevant Anniversary is less than 10% of the Stated Principal Balance of the Mortgage Loans as of the Relevant Anniversary, $0.00, or (ii) if the aggregate principal balance of the Non-Primary Residence Loans as of the Relevant Anniversary is equal to or greater than 10% of the Stated Principal Balance of the Mortgage Loans as of the Relevant Anniversary, the sum of (I) the aggregate principal balance of the Non-Primary Residence Loans with a Loan-to-Value Ratio of greater than 80.00% but less than or equal to 90.00% (other than Additional Collateral Loans), times 0.25%, (II) the aggregate principal balance of the Non-Primary Residence Loans with a Loan-to-Value Ratio of greater than 90.00% but less than or equal to 95.00% (other than Additional Collateral Loans), times 0.50%, and (III) the aggregate principal balance of the Non-Primary Residence Loans with a Loan-to-Value Ratio of greater than 95.00% (other than Additional Collateral Loans) times 0.75%, in each case as of the Relevant Anniversary; and (B) the greater of (i) 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 4 Loans as of the Relevant Anniversary less 1.25% per annum, (y) a number equal to the weighted average remaining term to maturity, in months, of all Non-Primary Residence Loans remaining in the Mortgage Pool as of the Relevant Anniversary, and (z) one plus the quotient of the number of all Non-Primary Residence Loans remaining in the Mortgage Pool divided by the total number of Outstanding Mortgage Loans in the Mortgage Pool as of the Relevant Anniversary, and (ii) $50,000, over (2) the aggregate amount of Bankruptcy Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 since the Relevant Anniversary. The Bankruptcy Amount may be further reduced by the Master Servicer (including accelerating the manner in which such coverage is reduced) provided that prior to any such reduction, the Master Servicer shall (i) obtain written confirmation from each Rating Agency that such reduction shall not reduce the rating assigned to any Class of Certificates by such Rating Agency 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-QS12" 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-2A, 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: June 27, 2003. 5 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-QS12. Cut-off Date: June 1, 2003. Determination Date: With respect to any Distribution Date, the second Business Day prior to each Distribution Date. Discount Net Mortgage Rate: 5.00% per annum. 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-2 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 2.25% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the Cut-off Date minus the aggregate amount of Fraud Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 of this Series Supplement since the Cut-off Date up to such date of determination, (Y) from the first to, but not including, the second anniversary of the Cut-off Date, an amount equal to (1) the lesser of (a) the Fraud Loss Amount as of the most recent anniversary of the Cut-off Date and (b) 1.50% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the most recent anniversary of the Cut-off Date minus (2) the aggregate amount of Fraud Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 since the most recent anniversary of the Cut-off Date up to such date of determination, and (Z) from the second to, but not including, the fifth anniversary of the Cut-off Date, an amount equal to (1) the lesser of (a) the Fraud Loss Amount as of the most recent anniversary of the Cut-off Date and (b) 1.00% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the most recent anniversary of the Cut-off Date minus (2) the aggregate amount of Fraud Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 since the most recent anniversary of the Cut-off Date up to such date of determination. On and after the fifth anniversary of the Cut-off Date, the Fraud Loss Amount shall be zero. The Fraud Loss Amount may be further reduced by the Master Servicer (including accelerating the manner in which such coverage is reduced) provided 6 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: $4,746, representing scheduled principal amortization and interest at the Net Mortgage Rate payable during the July 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-2A Certificates, $45,000,000.00. With respect to the Class A-5 Certificates, $31,383,660.00. 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: Class M-1: 1.65% Class B-1: 0.15% Class M-2: 0.20% Class B-2: 0.10% Class M-3: 0.30% Class B-3: 0.15% Interest Accrual Period: With respect to any Class of Certificates (other than the Floater Certificates and the Inverse Floater Certificates) and any Distribution Date, the calendar month preceding the month in which such Distribution Date occurs. The Interest Accrual Period for the Floater Certificates and the Inverse Floater Certificates for any Distribution Date is the period beginning on the 25th day of the month preceding the month in which such Distribution Date occurs and ending on the 24th day of the month in which such Distribution Date occurs. Interest Only Certificates: Any one of the Class A-2A, Class A-5 or Class A-V Certificates. The Interest Only Certificates will have no Certificate Principal Balance. Inverse Floater Certificates: Any one of the Class A-2A Certificates. Maturity Date: June 25, 2018, the Distribution Date immediately following the latest scheduled maturity date of any Mortgage Loan. Mortgage Loan Schedule: The list or lists of the Mortgage Loans attached hereto as Exhibit One (as amended from time to time to reflect the addition of Qualified Substitute Mortgage Loans), which list or lists shall set forth the following information as to each Mortgage Loan: (i) the Mortgage Loan identifying number ("RFC LOAN #"); (ii) the maturity of the Mortgage Note ("MATURITY DATE"); (iii) the Mortgage Rate ("ORIG RATE"); 7 (iv) the Subservicer pass-through rate ("CURR NET"); (v) the Net Mortgage Rate ("NET MTG RT"); (vi) the Pool Strip Rate ("STRIP"); (vii) the initial scheduled monthly payment of principal, if any, and interest ("ORIGINAL P & I"); (viii) the Cut-off Date Principal Balance ("PRINCIPAL BAL"); (ix) the Loan-to-Value Ratio at origination ("LTV"); (x) the rate at which the Subservicing Fee accrues ("SUBSERV FEE") and at which the Servicing Fee accrues ("MSTR SERV FEE"); (xi) a code "T," "BT" or "CT" under the column "LN FEATURE," indicating that the Mortgage Loan is secured by a second or vacation residence; and (xii) a code "N" under the column "OCCP CODE," indicating that the Mortgage Loan is secured by a non-owner occupied residence. Such schedule may consist of multiple reports that collectively set forth all of the information required. Notional Amount: As of any Distribution Date, (i) with respect to the Class A-2A Certificates, an amount equal to the Certificate Principal Balance of the Class A-2 Certificates immediately prior to such date, (ii) with respect to the Class A-5 Certificates, an amount equal to the product of 33% multiplied by the Certificate Principal Balance of the Class A-4 Certificates immediately prior to such date and (iii) with respect to any Class A-V Certificates or Subclass thereof issued pursuant to Section 5.01(c), the aggregate Stated Principal Balance of the Mortgage Loans corresponding to the Uncertificated REMIC I Regular Interests Z represented by such Class or Subclass immediately prior to such date. Pass-Through Rate: With respect to the Senior Certificates (other than the Floater Certificates, Inverse Floater Certificates, Class A-V Certificates and Class A-P Certificates), Class M Certificates and Class B Certificates and any Distribution Date, the per annum rates set forth in the Preliminary Statement hereto. o With respect to the Floater Certificates and the initial Interest Accrual Period, 1.50% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to LIBOR plus 0.40%, subject to a maximum rate of 8.00% per annum and a minimum rate of 0.40% per annum. o With respect to the Inverse Floater Certificates and the initial Interest Accrual Period, 6.50% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 7.60% minus LIBOR, subject to a maximum rate of 7.60% per annum and a minimum rate of 0.00% per annum. 8 With respect to the Class A-V Certificates (other than any Subclass thereof) and any Distribution Date, a rate equal to the weighted average, expressed as a percentage, of the Pool Strip Rates of all Mortgage Loans as of the Due Date in the related Due Period, weighted on the basis of the respective Stated Principal Balances of such Mortgage Loans as of the day immediately preceding such Distribution Date (or, with respect to the initial Distribution Date, at the close of business on the Cut-off Date). With respect to the Class A-V Certificates and the initial Distribution Date the Pass-Through Rate is equal to 0.2435% per annum. With respect to any Subclass of Class A-V Certificates and any Distribution Date, a rate equal to the weighted average, expressed as a percentage, of the Pool Strip Rates of all Mortgage Loans corresponding to the Uncertificated REMIC I Regular Interests Z represented by such Subclass as of the Due Date in the related Due Period, weighted on the basis of the respective Stated Principal Balances of such Mortgage Loans as of the day immediately preceding such Distribution Date (or with respect to the initial Distribution Date, at the close of business on the Cut-off Date). The Principal Only Certificates have no Pass-Through Rate and are not entitled to Accrued Certificate Interest. Prepayment Assumption: The prepayment assumption to be used for determining the accrual of original issue discount and premium and market discount on the Certificates for federal income tax purposes, which assumes a constant prepayment rate of 16.0% per annum. Prepayment Distribution Percentage: With respect to any Distribution Date and each Class of Subordinate Certificates, under the applicable circumstances set forth below, the respective percentages set forth below: (i) For any Distribution Date prior to the Distribution Date in July 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 9 (iii)Notwithstanding the foregoing, if the application of the foregoing percentages on any Distribution Date as provided in Section 4.02 of this Series Supplement (determined without regard to the proviso to the definition of "Subordinate Principal Distribution Amount") would result in a distribution in respect of principal of any Class or Classes of Subordinate Certificates in an amount greater than the remaining Certificate Principal Balance thereof (any such class, a "Maturing Class"), then: (a) the Prepayment Distribution Percentage of each Maturing Class shall be reduced to a level that, when applied as described above, would exactly reduce the Certificate Principal Balance of such Class to zero; (b) the Prepayment Distribution Percentage of each other Class of Subordinate Certificates (any such Class, a "Non-Maturing Class") shall be recalculated in accordance with the provisions in paragraph (ii) above, as if the Certificate Principal Balance of each Maturing Class had been reduced to zero (such percentage as recalculated, the "Recalculated Percentage"); (c) the total amount of the reductions in the Prepayment Distribution Percentages of the Maturing Class or Classes pursuant to clause (a) of this sentence, expressed as an aggregate percentage, shall be allocated among the Non-Maturing Classes in proportion to their respective Recalculated Percentages (the portion of such aggregate reduction so allocated to any Non-Maturing Class, the "Adjustment Percentage"); and (d) for purposes of such Distribution Date, the Prepayment Distribution Percentage of each Non-Maturing Class shall be equal to the sum of (1) the Prepayment Distribution Percentage thereof, calculated in accordance with the provisions in paragraph (ii) above as if the Certificate Principal Balance of each Maturing Class had not been reduced to zero, plus (2) the related Adjustment Percentage. Principal Only Certificates: Any one of the Class A-P Certificates. Record Date: With respect to each Distribution Date and each Class of Certificates (other than the Adjustable Rate Certificates that are Book-Entry Certificates), the close of business on the last Business Day of the month preceding the month in which the related Distribution Date occurs. With respect to each Distribution Date and the Adjustable Rate Certificates (so long as they are Book-Entry Certificates), the close of business on the Business Day prior to such Distribution Date. Related Classes: As to any Uncertificated REMIC I Regular Interest, those classes of Certificates identified as "Related Classes of Certificates" to such Uncertificated REMIC I Regular Interest in the definition of Uncertificated REMIC I Regular Interest. REMIC I: The segregated pool of assets, with respect to which a REMIC election is to be made, consisting of: (i) the Mortgage Loans and the related Mortgage Files, (ii) all payments and collections in respect of the Mortgage Loans due after the Cut-off Date (other than Monthly Payments due in the month of the Cut-off Date) as shall be on deposit in the Custodial Account or in the Certificate Account and identified as belonging to the Trust Fund, including the proceeds from the liquidation of Additional Collateral for any Additional Collateral Loan, but not including amounts on deposit in the Initial Monthly Payment Fund, 10 (iii) property which secured a Mortgage Loan and which has been acquired for the benefit of the Certificateholders by foreclosure or deed in lieu of foreclosure, (iv) the hazard insurance policies and Primary Insurance Policies, if any, the Pledged Assets with respect to each Pledged Asset Mortgage Loan, and the interest in the Surety Bond transferred to the Trustee pursuant to Section 2.01 herein, and (v) all proceeds of clauses (i) through (iv) above. REMIC I Certificates: The Class R-I Certificates. -------------------- REMIC II: The segregated pool of assets consisting of the Uncertificated REMIC I Regular Interests conveyed in trust to the Trustee for the benefit of the holders of each Class of Certificates (other than the Class R-I Certificates) pursuant to Section 2.06, with respect to which a separate REMIC election is to be made. REMIC II Certificates: Any Class of Certificates (other than the Class R-I Certificates). Senior Certificate: Any one of the Class A Certificates or Class R Certificates, executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit A and Exhibit D. Senior Percentage: As of any Distribution Date, the lesser of 100% and a fraction, expressed as a percentage, the numerator of which is the aggregate Certificate Principal Balance of the Senior Certificates (other than the Class A-P Certificates) immediately prior to such Distribution Date and the denominator of which is the aggregate Stated Principal Balance of all of the Mortgage Loans (or related REO Properties) (other than the related Discount Fraction of each Discount Mortgage Loan) immediately prior to such Distribution Date. Senior Principal Distribution Amount: As to any Distribution Date before the Credit Support Depletion Date, the lesser of (a) the balance of the Available Distribution Amount remaining after the distribution of all amounts required to be distributed pursuant to Section 4.02(a)(i) and Section 4.02(a)(ii)(X) of this Series Supplement and (b) the sum of the amounts required to be distributed to the Senior Certificateholders on such Distribution Date pursuant to Sections 4.02(a)(ii)(Y), 4.02(a)(xvi) and 4.02(a)(xvii) of this Series Supplement. As to any Distribution Date on or after the Credit Support Depletion Date, the lesser of (a) the balance of the Available Distribution Amount remaining after the distribution of (i) all amounts required to be distributed pursuant to Section 4.02(a)(i) and (ii) the amount required to be 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. 11 Special Hazard Amount: As of any Distribution Date, an amount equal to $2,582,525 minus the sum of (i) the aggregate amount of Special Hazard Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 of this Series Supplement and (ii) the Adjustment Amount (as defined below) as most recently calculated. For each anniversary of the Cut-off Date, the Adjustment Amount shall be equal to the amount, if any, by which the amount calculated in accordance with the preceding sentence (without giving effect to the deduction of the Adjustment Amount for such anniversary) exceeds the greater of (A) the greater of (i) the product of the Special Hazard Percentage for such anniversary multiplied by the outstanding principal balance of all the Mortgage Loans on the Distribution Date immediately preceding such anniversary and (ii) twice the outstanding principal balance of the Mortgage Loan with the largest outstanding principal balance as of the Distribution Date immediately preceding such anniversary and (B) the 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 30.0% (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. Special Hazard Percentage: As of each anniversary of the Cut-off Date, the greater of (i) 1.0% and (ii) the largest percentage obtained by dividing the aggregate outstanding principal balance (as of immediately preceding Distribution Date) of the Mortgage Loans secured by Mortgaged Properties located in a single, five-digit zip code area in the State of California by the outstanding principal balance of all the Mortgage Loans as of the immediately preceding Distribution Date. Subordinate Principal Distribution Amount: With respect to any Distribution Date and each Class of Subordinate Certificates, (a) the sum of (i) the product of (x) the related Subordinate Class Percentage for such Class and (y) the aggregate of the amounts calculated (without giving effect to the 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 12 Fraction of such Principal Prepayments in Full and Curtailments with respect to a Discount Mortgage Loan) to the extent not payable to the Senior Certificates; (iv) if such Class is the Class of Subordinate Certificates with the Highest Priority, any Excess Subordinate Principal Amount for such Distribution Date; and (v) any amounts described in clauses (i), (ii) and (iii) as determined for any previous Distribution Date, that remain undistributed to the extent that such amounts are not attributable to Realized Losses which have been allocated to a Class of Subordinate Certificates minus (b) the sum of (i) with respect to the Class of Subordinate Certificates with the Lowest Priority, any Excess Subordinate Principal Amount for such Distribution Date, and (ii) the Capitalization Reimbursement Amount for such distribution date, other than the 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 13 Losses that were previously deemed allocated to the Uncertificated Principal Balance of such Uncertificated REMIC I Regular Interest pursuant to Section 10.04(d), which equals the aggregate principal balance of the Classes of Certificates identified as related to such Uncertificated REMIC I Regular Interest in such table. 2. The Uncertificated Pass-Through Rate for each Uncertificated REMIC I Regular Interest identified in the table below shall be the per annum rate set forth in the Pass-Through Rate column of such table. 3. The Uncertificated REMIC I Distribution Amount for each REMIC I Regular Interest identified in the table below shall be, for any Distribution Date, the amount deemed distributed with respect to such Uncertificated REMIC I Regular Interest on such Distribution Date pursuant to the provisions of Section 10.04(a).
----------------------- --------------------------------- ------------------- ------------------- Uncertificated REMIC Related Classes of Certificates Pass-Through Rate Initial Principal I Regular Interest Balance ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- T Class A-1 3.75% $100,000,000.00 ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- U Class A-2, Class A-2A 8.00% $45,000,000.00 ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- V Class A-3 4.00% $10,000,000.00 ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- W Class A-4, Class A-5 5.00% $95,102,000.00 ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- X Class A-P 0.00% $1,563,921.66 ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- Y Class R-II, 5.00% $6,586,468.36 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 1,555 uncertificated partial undivided beneficial ownership interests in the Trust Fund, numbered sequentially from 1 to 1,555, 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. 14 Uncertificated REMIC II Regular Interests Z: Each of the 1,555 uncertificated partial undivided beneficial ownership interests in REMIC II numbered sequentially from 1 through 1,555 each relating to the identically numbered Uncertificated REMIC I Regular Interests Z, each having no principal balance and bearing interest at a rate equal to the related Pool Strip Rate on the Stated Principal Balance of the Mortgage Loan related to the identically numbered Uncertificated REMIC I Regular Interests Z, comprising such Uncertificated REMIC II Regular Interests Z's pro rata share of the amount distributed pursuant to Sections 10.04(a). Uncertificated REMIC II Regular Interests Distribution Amount: With respect to any Distribution Date, the sum of the amounts deemed to be distributed on the Uncertificated REMIC I Regular Interests Z for such Distribution Date pursuant to Section 10.04(a). Underwriter: Citigroup Global Markets Inc. and Residential Funding Securities Corporation. 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 15 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, 1.10% 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 has no control), used for determining one-month Eurodollar lending rates that is calculated and published (or otherwise made available) by an independent party. "LIBOR Business Day" means any day other than (i) a Saturday or a Sunday or (ii) a day on which banking institutions in the city of London, England are required or authorized by law to be closed. The establishment of LIBOR by the Trustee on any LIBOR Rate Adjustment Date and the Master Servicer's subsequent calculation of the Pass-Through Rates applicable to each of the Floater Certificates and Inverse Floater Certificates for the relevant Interest Accrual Period, in the absence of manifest error, will be final and binding. Promptly following each LIBOR Rate Adjustment Date the Trustee shall supply the Master Servicer with the results of its determination of LIBOR on such date. Furthermore, the Trustee will supply the Pass-Through Rates on each of the Floater Certificates and Inverse Floater Certificates for the current and the immediately preceding Interest Accrual Period via the Trustee's internet website, which may be obtained by telephoning the Trustee at (800) 735-7777. 16 ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES Section 2.01. Conveyance of Mortgage Loans. (See Section 2.01 of the Standard Terms) Section 2.02. Acceptance by Trustee. (See Section 2.02 of the Standard Terms) ---------------------------------------------------------------- Section 2.03. Representations, Warranties and Covenants ----------------------------------------- of the Master Servicer and the Company. -------------------------------------- (a) For representations, warranties and covenants of the Master Servicer, see Section 2.03(a) of the Standard Terms. (b) The Company hereby represents and warrants to the Trustee for the benefit of Certificateholders that as of the Closing Date (or, if otherwise specified below, as of the date so specified): (i) No Mortgage Loan is 30 or more days Delinquent in payment of principal and interest as of the Cut-off Date and no Mortgage Loan has been so Delinquent more than once in the 12-month period prior to the Cut-off Date; (ii) The information set forth in Exhibit One hereto with respect to each Mortgage Loan or the Mortgage Loans, as the case may be, is true and correct in all material respects at the date or dates respecting which such information is furnished; (iii) The Mortgage Loans are fully-amortizing, fixed-rate mortgage loans with level Monthly Payments due, with respect to a majority of the Mortgage Loans, on the first day of each month, and terms to maturity at origination or modification of not more than 15 years; (iv) To the best of the Company's knowledge, except with respect to one Mortgage Loan representing approximately 0.1% 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 68.25% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a reduced loan documentation program, approximately 16.13% 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 3.61% 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 13.24% 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. ------------------------------------------- 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. If the breach of representation and warranty that gave rise to the obligation to repurchase or substitute a Mortgage Loan pursuant to Section 4 of the Assignment Agreement was the representation and warranty set forth in clause (k) of Section 4 thereof, then the Master Servicer shall request that Residential Funding pay to the Trust Fund, concurrently with and in addition to the remedies provided in the preceding sentence, an amount equal to any liability, penalty or expense that was actually incurred and paid out of or on behalf of the Trust Fund, and that directly resulted from such breach, or if incurred and paid by the Trust Fund thereafter, concurrently with such payment. 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 or the Custodian 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 20 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 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 and to make any additional payments required under the Assignment Agreement in connection with a breach of the representation and warranty in clause (k) of Section 4 thereof shall constitute the sole remedy respecting such breach available to the 21 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. 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. 22 Section 2.08. Purposes and Powers of the Trust. (See Section 2.08 of the Standard Terms) 23 ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS 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 24 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 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) 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; 25 (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 (including amounts received from Residential Funding pursuant to the last paragraph of Section 4 of the Assignment Agreement in respect of any liability, penalty or expense that resulted from a breach of the representation and warranty set forth in clause 4(k) of the Assignment Agreement) and all amounts required to be deposited in connection with the substitution of a Qualified Substitute Mortgage Loan pursuant to Section 2.03 or 2.04; (v) Any amounts required to be deposited pursuant to Section 3.07(c) or 3.21; (vi) All amounts transferred from the Certificate Account to the Custodial Account in accordance with Section 4.02(a); (vii) Any amounts realized by the Subservicer and received by the Master Servicer in respect of any Additional Collateral; and (viii) Any amounts received by the Master Servicer in respect of Pledged Assets. The foregoing requirements for deposit in the Custodial Account shall be exclusive, it being understood and agreed that, without limiting the generality of the foregoing, payments on the Mortgage Loans which are not part of the Trust Fund (consisting of payments in respect of principal and interest on the Mortgage Loans due on or before the Cut-off Date) and payments or collections in the nature of prepayment charges or late payment charges or assumption fees may but need not be deposited by the Master Servicer in the Custodial Account. In the event any amount not required to be deposited in the Custodial Account is so deposited, the Master Servicer may at any time withdraw such amount from the Custodial Account, any provision herein to the contrary notwithstanding. The Custodial Account may contain funds that belong to one or more trust funds created for mortgage pass-through certificates of other series and may contain other funds respecting payments on mortgage loans belonging to the Master Servicer or serviced or master serviced by it on behalf of others. Notwithstanding such commingling of funds, the Master Servicer shall keep records that accurately reflect the funds on deposit in the Custodial Account that have been identified by it as being attributable to the Mortgage Loans. With respect to Insurance Proceeds, Liquidation Proceeds, REO Proceeds and the proceeds of the purchase of any Mortgage Loan pursuant to Sections 2.02, 2.03, 2.04 and 4.07 received in any calendar month, the Master Servicer may elect to treat such amounts as included in the Available Distribution Amount for the Distribution Date in the month of receipt, but is not obligated to do so. If the Master Servicer so elects, such amounts will be deemed to have been received (and any related Realized Loss shall be deemed to have occurred) on the last day of the month prior to the receipt thereof. (c) - (d). (See Section 3.07(c) -(d) of the Standard Terms) 26 Section 3.08. Subservicing Accounts; Servicing Accounts. (See Section 3.08 of the Standard Terms) Section 3.09. Access to Certain Documentation and Information Regarding the Mortgage Loans. (See Section 3.09 of the Standard Terms) Section 3.10. Permitted Withdrawals from the Custodial Account. (See Section 3.10 of the Standard Terms) Section 3.11. Maintenance of the Primary Insurance Policies; Collections Thereunder. (See Section 3.11 of the Standard Terms) Section 3.12. Maintenance of Fire Insurance and Omissions and Fidelity Coverage. (See Section 3.12 of the Standard Terms) Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and Modification Agreements; Certain Assignments. (See Section 3.13 of the Standard Terms) Section 3.14. Realization Upon Defaulted Mortgage Loans. (See Section 3.14 of the Standard Terms) Section 3.15. Trustee to Cooperate; Release of Mortgage Files. (See Section 3.15 of the Standard Terms) Section 3.16. Servicing and Other Compensation; Compensating Interest. (See Section 3.16 of the Standard Terms) Section 3.17. Reports to the Trustee and the Company. (See Section 3.17 of the Standard Terms) 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) 27 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 Discount Fraction of the principal portion of such payment with respect to a Discount Mortgage Loan), whether or not received on or 28 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); 29 (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; 30 (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; 31 (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: 32 (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: 33 (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 to the Class A-1, Class A-2, Class A-3 and Class A-4 Certificates, on a pro rata basis in accordance with their respective Certificate Principal Balances, until the Certificate Principal Balances of the Class A-1, Class A-2, Class A-3 and Class A-4 Certificates have been reduced to zero. (c) On or after the Credit Support Depletion Date, all priorities relating to distributions as described in Section 4.02(b) above in respect of principal among the various classes of Senior Certificates (other than the Class A-P Certificates) will be disregarded, and (i) an amount equal to the Discount Fraction of the principal portion of scheduled payments and unscheduled collections received or advanced in respect of the Discount Mortgage Loans will be distributed to the Class A-P Certificates, (ii) the Senior Principal Distribution Amount will be distributed to the remaining Senior Certificates (other than the Class A-P Certificates) pro rata in accordance with their respective outstanding Certificate Principal Balances and (iii) the amount set forth in Section 4.02(a)(i) will be distributed as set forth therein. (d) After the reduction of the Certificate Principal Balances of the Senior Certificates (other than the Class A-P Certificates) to zero but prior to the Credit Support Depletion Date, the Senior Certificates (other than the Class A-P Certificates) will be entitled to no further distributions of principal thereon and the Available Distribution Amount will be paid solely to the holders of the Class A-P, Class A-V and Subordinate Certificates, in each case as described herein. (e) In addition to the foregoing distributions, with respect to any Subsequent Recoveries, the Master Servicer shall deposit such funds into the Custodial Account pursuant to Section 3.07(b)(iii). If, after taking into account such Subsequent Recoveries, the amount of a Realized Loss is reduced, the amount of such Subsequent Recoveries will be applied to increase the Certificate Principal Balance of the Class of Subordinate Certificates with a Certificate Principal Balance greater than zero with the highest payment priority to which Realized Losses, other than Excess Bankruptcy Losses, Excess Fraud Losses, Excess Special Hazard Losses and Extraordinary Losses, have been allocated, but not by more than the amount of Realized Losses previously allocated to that Class of Certificates pursuant to Section 4.05. The amount of any remaining Subsequent Recoveries will be applied to increase from zero the Certificate Principal Balance of the Class of Certificates with the next lower payment priority, up to the amount of Realized Losses previously allocated to that Class of Certificates pursuant to Section 4.05. Any remaining Subsequent Recoveries will in turn be applied to increase from zero the Certificate Principal Balance of the Class of Certificates with the next lower payment priority up to the amount of Realized Losses previously allocated to that Class of Certificates pursuant to Section 4.05, and so on. Holders of such Certificates will not be entitled to any payment in respect of Accrued Certificate Interest on the amount of such increases for any Interest Accrual Period preceding the Interest Accrual Period that relates to the Distribution Date on which such increase occurs. Any such increases shall be applied to the Certificate Principal Balance of each Certificate of such Class in accordance with its respective Percentage Interest. 34 (f) Each distribution with respect to a Book-Entry Certificate shall be paid to the Depository, as Holder thereof, and the Depository shall be solely responsible for crediting the amount of such distribution to the accounts of its Depository Participants in accordance with its normal procedures. Each Depository Participant shall be responsible for disbursing such distribution to the Certificate Owners that it represents and to each indirect participating brokerage firm (a "brokerage firm") for which it acts as agent. Each brokerage firm shall be responsible for disbursing funds to the Certificate Owners that it represents. None of the Trustee, the Certificate Registrar, the Company or the Master Servicer shall have any responsibility therefor. (g) Except as otherwise provided in Section 9.01, if the Master Servicer anticipates that a final distribution with respect to any Class of Certificates will be made on the next Distribution Date, the Master Servicer shall, no later than the Determination Date in the month of such final distribution, notify the Trustee and the Trustee shall, no later than two (2) Business Days after such Determination Date, mail on such date to each Holder of such Class of Certificates a notice to the effect that: (i) the Trustee anticipates that the final distribution with respect to such Class of Certificates will be made on such Distribution Date but only upon presentation and surrender of such Certificates at the office of the Trustee or as otherwise specified therein, and (ii) no interest shall accrue on such Certificates from and after the end of the related Interest Accrual Period. In the event that Certificateholders required to surrender their Certificates pursuant to Section 9.01(c) do not surrender their Certificates for final cancellation, the Trustee shall cause funds distributable with respect to such Certificates to be withdrawn from the Certificate Account and credited to a separate escrow account for the benefit of such Certificateholders as provided in Section 9.01(d). Section 4.03. Statements to Certificateholders; Exchange Act Reporting. (See Section 4.03 of the Standard Terms) Section 4.04. Distribution of Reports to the Trustee and the Company; Advances by the Master Servicer. (See Section 4.04 of the Standard Terms) Section 4.05. Allocation of Realized Losses. Prior to each Distribution Date, the Master Servicer shall determine the total amount of Realized Losses, if any, that resulted from any Cash Liquidation, Servicing Modification, Debt Service Reduction, Deficient Valuation or REO Disposition that occurred during the related Prepayment Period or, in the case of a Servicing Modification that constitutes a reduction of the interest rate on a Mortgage Loan, the amount of the reduction in the interest portion of the Monthly Payment due during the related Due Period. The amount of each Realized Loss shall be evidenced by an Officers' Certificate. All Realized Losses, other than Excess Special Hazard Losses, Extraordinary Losses, Excess Bankruptcy Losses or Excess Fraud Losses, shall be allocated as follows: first, to the Class B-3 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; second, to the Class B-2 Certificates until the Certificate Principal Balance thereof has been reduced to zero; third, to the 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 35 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). 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 36 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) 37 ARTICLE V THE CERTIFICATES (SEE ARTICLE V OF THE STANDARD TERMS) 38 ARTICLE VI THE COMPANY AND THE MASTER SERVICER (SEE ARTICLE VI OF THE STANDARD TERMS) 39 ARTICLE VII DEFAULT (SEE ARTICLE VII OF THE STANDARD TERMS) 40 ARTICLE VIII CONCERNING THE TRUSTEE (SEE ARTICLE VIII OF THE STANDARD TERMS) 41 ARTICLE IX TERMINATION 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 purchase price paid by the Master Servicer shall also include any amounts owed by Residential Funding pursuant to the last paragraph of Section 4 of the Assignment Agreement in respect of any liability, penalty or expense that resulted from a breach of the representation and warranty set forth in clause (k) of such Section, that remain unpaid on the date of such purchase. 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. 42 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. 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) - (e). (See Section 9.01(b) - (e) of the Standard Terms) Section 9.02. Additional Termination Requirements. (See Section 9.02 of the Standard Terms) Section 9.03. Termination of Multiple REMICs. (See Section 9.03 of the Standard Terms) 43 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-2A, 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). 44 (b)The amount described in Section 10.04(a)(ii) shall be deemed distributed to (i) Uncertificated REMIC I Regular Interest T, (ii) Uncertificated REMIC I Regular Interest U, (iii) Uncertificated REMIC I Regular Interest V, (iv) Uncertificated REMIC I Regular Interest W, (v) Uncertificated REMIC I Regular Interest X and (vi) Uncertificated REMIC I Regular Interest Y with the amount to be distributed allocated among such interests in accordance with the priority assigned to each Related Class of Certificates (other than the Class R-I Certificates), respectively, under Section 4.02(b) until the Uncertificated Principal Balance of each such interest is reduced to zero. (c)The portion of the Uncertificated REMIC I Regular Interest Distribution Amounts described in Section 10.04(a)(ii) shall be deemed distributed by REMIC I to REMIC II in accordance with the priority assigned to the REMIC II Certificates relative to that assigned to the REMIC I Certificates under Section 4.02(b). (d)In determining from time to time the Uncertificated REMIC I Regular Interest Distribution Amounts and Uncertificated REMIC II Regular Interest Distribution Amounts: (i) Realized Losses allocated to the Class A-V Certificates under Section 4.05 shall be deemed allocated to the Uncertificated REMIC II Regular Interests Z pro-rata according to the respective amounts of Uncertificated Accrued Interest that would have accrued on such Uncertificated REMIC II Regular Interests Z for the Distribution Date for which such allocation is being made in the absence of such allocation; (ii) Realized Losses allocated to the Class A-1 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest T; (iii) Realized Losses allocated to the Class A-2 Certificates and Class A-2A Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest U; (iv) Realized Losses allocated to the Class A-3 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest V; (v) Realized Losses allocated to the Class A-4 Certificates and Class A-5 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest W; (vi) Realized Losses allocated to the Class A-P Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest X; (vii) Realized Losses allocated to the Class R-II, Class M-1, Class M-2, Class M-3, Class B-1, Class B-2 and Class B-3 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest Y; and (viii) Realized Losses allocated to the Uncertificated REMIC II Regular Interests Z under clause (i), above, shall be deemed allocated, in each case, to the related Uncertificated REMIC I Regular Interest Z. 45 (e)On each Distribution Date the Trustee shall be deemed to distribute from REMIC II, in the priority set forth in Sections 4.02(a) and (b), to the Holders of each Class of Certificates (other than the Class R-I Certificates) the amounts distributable thereon from the Uncertificated REMIC I Regular Interest Distribution Amounts deemed to have been received by REMIC II from REMIC I under this Section 10.04. The amounts deemed distributed hereunder with respect to the Class A-V Certificates shall be deemed to have been distributed in respect of the Uncertificated REMIC II Regular Interests Z in accordance with their respective Uncertificated REMIC II Regular Interest Distribution Amounts, as such Uncertificated REMIC II Regular Interests Z comprise the Class A-V Certificates. (f)Notwithstanding the deemed distributions on the Uncertificated REMIC I Regular Interests described in this Section 10.04, distributions of funds from the Certificate Account shall be made only in accordance with Section 4.02. Section 10.05. Compliance with Withholding Requirements. ----------------------------------------- Notwithstanding any other provision of this Agreement, the Trustee or any Paying Agent, as applicable, shall comply with all federal withholding requirements respecting payments to Certificateholders, including interest or original issue discount payments or advances thereof that the Trustee or any Paying Agent, as applicable, reasonably believes are applicable under the Code. The consent of Certificateholders shall not be required for such withholding. In the event the Trustee or any Paying Agent, as applicable, does withhold any amount from interest or original issue discount payments or advances thereof to any Certificateholder pursuant to federal withholding requirements, the Trustee or any Paying Agent, as applicable, shall indicate the amount withheld to such Certificateholder pursuant to the terms of such requirements. 46 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-QS12 The Trustee designates its offices located at c/o DTC Transfer Services, 55 Water Street, Jeanette Street Park Entrance, New York, New York 10041, for the purposes of Section 8.12 of the Standard Terms ---------------------------------- -------------------------------------------------------------- ---------------------------------- -------------------------------------------------------------- Moody's Investors Service, Inc. 99 Church Street, 4th Floor New York, New York 10004 ---------------------------------- -------------------------------------------------------------- ---------------------------------- -------------------------------------------------------------- Fitch Ratings One State Street Plaza New York, New York 10004 ---------------------------------- --------------------------------------------------------------
Any notice required or permitted to be mailed to a Certificateholder shall be given by first class mail, postage prepaid, at the address of such holder as shown in the Certificate Register. Any notice so mailed within the time prescribed in this Agreement shall be conclusively presumed to have been duly given, whether or not the Certificateholder receives such notice. 47 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-2A Certificates, in accordance with their respective Percentage Interests; 1.0% of all Voting Rights shall be allocated among the Holders of the Class A-5 Certificates, in accordance with their respective Percentage Interests; 1.0% of all Voting Rights shall be allocated among the Holders of the Class A-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. 48 IN WITNESS WHEREOF, the Company, the Master Servicer and the Trustee have caused their names to be signed hereto by their respective officers thereunto duly authorized and their respective seals, duly attested, to be hereunto affixed, all as of the day and year first above written. RESIDENTIAL ACCREDIT LOANS, INC. [Seal] By://s//Joseph Orning --------------------------------- Name: Joseph Orning Title: Vice President Attest: //s//Benita Bjorgo__________ Name: Benita Bjorgo Title: Vice President RESIDENTIAL FUNDING CORPORATION [Seal] By: //s//Benita Bjorgo --------------------------------- Name: Benita Bjorgo Title: Associate Attest://s//Joseph Orning__________ Name: Joseph Orning Title: Associate DEUTSCHE BANK TRUST COMPANY AMERICAS, as Trustee [Seal] By://s//Ronaldo Reyes --------------------------------- Name: Ronaldo Reyes Title: Assistant Vice President By://s//Jeremy Conyers -------------------------------- Name: Jeremy Conyers Title: Associate Attest://s//James F. Noriega____________________ --------------------- Name: James F. Noriega Title: Associate STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On 27th day of June, 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 27th day of June, 2003 before me, a notary public in and for said State, personally appeared Benita Bjorgo, known to me to be an Associate of Residential Funding Corporation, one of the corporations that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. //s//Brian S. Bangerter ---------------------------- Notary Public [Notarial Seal] STATE OF CALIFORNIA ) ) ss.: COUNTY OF ORANGE ) On the 27th day of June, 2003 before me, a notary public in and for said State, personally appeared Ronaldo Reyes, known to me to be an Assistant Vice President 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 Hoyler Notary Public [Notarial Seal] STATE OF CALIFORNIA ) ) ss.: COUNTY OF ORANGE ) On the 27th day of June, 2003 before me, a notary public in and for said State, personally appeared Jeremy Conyers, known to me to be an Associate of Deutsche Bank Trust Company Americas, the New York banking corporation that executed the within instrument, and also known to me to be the person who executed it on behalf of said banking corporation and acknowledged to me that such banking corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. //s//Brent Hoyler Notary Public [Notarial Seal] EXHIBIT ONE MORTGAGE LOAN SCHEDULE RUN ON : 06/23/03 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 10.55.37 FIXED PASSTHRU REPORT AMORTIZED BALANCE SERIES : RALI 2003-QS12 CUTOFF : 06/01/03 POOL : 0004710 : : 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 ------------------------------------------------------------------------ 8182979 .2500 129,551.11 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8237613 .2500 330,353.57 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8239043 .2500 222,234.54 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8240271 .2500 33,568.37 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8243645 .2500 430,615.41 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8257417 .2500 220,299.50 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.0000 .6700 1 8271015 .2500 208,203.47 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8282519 .2500 78,328.68 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.0000 .6700 8287487 .2500 128,304.61 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.0000 .6700 8292675 .2500 63,906.20 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.0000 1.0450 8300665 .2500 44,159.54 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.0000 1.5450 8301001 .2500 168,816.40 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.0000 .6700 8303099 .2500 66,089.87 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.0000 .6700 8324887 .2500 127,236.16 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.0000 1.1700 1 8342091 .2500 128,988.97 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8353407 .2500 432,279.01 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 8358774 .2500 135,611.81 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.0000 .9200 8360510 .2500 319,708.56 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8364724 .2500 234,200.51 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.0000 .7950 8364728 .2500 132,517.81 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8365686 .2500 169,383.67 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8365858 .2500 116,601.96 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.0000 .7950 1 8366154 .2500 188,619.24 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8366242 .2500 264,029.10 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8366718 .2500 209,285.57 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.0000 .7950 8367400 .2500 111,589.66 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8367428 .2500 199,259.53 .0300 5.1250 .0000 4.8750 .0000 4.8450 .0000 4.8450 .0000 8367450 .2500 68,254.26 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8367614 .2500 124,100.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.0000 .6700 8367880 .2500 230,361.78 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 1 8367892 .2500 121,145.06 .0300 5.0000 .0000 4.7500 .0000 4.7200 .0000 4.7200 .0000 8367982 .2500 117,069.50 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8368832 .2500 78,716.58 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8370848 .2500 87,500.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8371130 .2500 130,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 8371158 .2500 32,500.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.0000 .6700 8371182 .2500 322,700.00 .0300 5.1250 .0000 4.8750 .0000 4.8450 .0000 4.8450 .0000 8371190 .2500 642,500.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 1 8371912 .2500 80,000.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8371974 .2500 215,000.00 .0300 4.8750 .0000 4.6250 .0000 4.5950 .0000 4.5950 .0000 8372022 .2500 440,000.00 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8377499 .2500 49,335.75 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.0000 1.1700 8377549 .2500 76,884.65 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8432631 .2500 97,742.89 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8441427 .2500 35,086.05 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.0000 .9200 8443775 .2500 43,673.08 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 1 8461615 .2500 41,974.18 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.0000 1.0450 8465129 .2500 124,073.21 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8467059 .2500 152,846.92 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8467121 .2500 232,537.85 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 8489255 .2500 68,634.67 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 8491747 .2500 106,084.99 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8491749 .2500 40,764.10 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8491757 .2500 116,889.97 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 1 8491763 .2500 95,395.10 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 8491771 .2500 36,960.54 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.0000 .9200 8491779 .2500 294,735.66 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 8491785 .2500 130,982.15 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 8491857 .2500 93,078.04 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 8491865 .2500 104,532.90 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 8491873 .2500 131,630.46 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 8491879 .2500 98,134.94 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.0000 .6700 1 8491885 .2500 219,118.60 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.0000 .7950 8491895 .2500 251,351.59 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.0000 .9200 8492205 .2500 204,879.59 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.0000 .7950 8492213 .2500 46,362.25 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.0000 .9200 8492217 .2500 51,294.40 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.0000 .9200 8492377 .2500 144,264.09 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.0000 .7950 8492381 .2500 113,494.24 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.0000 .6700 8492411 .2500 228,716.93 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 1 8492437 .2500 103,073.92 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.0000 1.4200 8492439 .2500 525,513.73 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8507571 .2500 237,688.61 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.0000 1.0450 8522435 .2500 39,428.87 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8523137 .2500 184,051.24 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 8523295 .2500 231,389.81 .0300 5.1250 .0000 4.8750 .0000 4.8450 .0000 4.8450 .0000 8523317 .2500 319,062.93 .0300 5.0000 .0000 4.7500 .0000 4.7200 .0000 4.7200 .0000 8523417 .2500 36,384.83 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.0000 1.1700 1 8523547 .2500 87,386.85 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 8523655 .2500 68,594.43 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.0000 1.0450 8523705 .2500 269,059.15 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8523765 .2500 118,702.57 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8523767 .2500 118,702.57 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8523787 .2500 159,259.27 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8524105 .2500 90,937.15 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 8524141 .2500 174,773.68 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 1 8524147 .2500 174,773.68 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 8524173 .2500 178,745.82 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 8524183 .2500 174,773.68 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 8524185 .2500 12,663.95 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.0000 .9200 8524459 .2500 458,689.55 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8524479 .2500 338,541.84 .0300 5.1250 .0000 4.8750 .0000 4.8450 .0000 4.8450 .0000 8524641 .2500 98,879.68 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8524735 .2500 100,335.62 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 5.0000 1.9200 1 8525269 .2500 127,822.56 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8525467 .2500 63,539.73 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8525639 .2500 181,924.17 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8526171 .2500 131,102.92 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8526381 .2500 43,094.39 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8526393 .2500 89,756.70 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8526397 .2500 70,698.64 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8526399 .2500 72,287.36 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 1 8526765 .2500 103,462.11 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 8526797 .2500 256,877.34 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8528223 .2500 120,739.12 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.0000 .9200 8528265 .2500 148,411.81 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8528279 .2500 129,081.66 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8528337 .2500 87,933.60 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 8528531 .2500 39,621.98 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 8528731 .2500 244,212.28 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 1 8528743 .2500 53,464.10 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8528897 .2500 43,467.25 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.0000 1.1700 8529355 .2500 154,939.27 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.0000 .9200 8529671 .2500 285,443.54 .0300 5.0000 .0000 4.7500 .0000 4.7200 .0000 4.7200 .0000 8529777 .2500 79,196.54 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.0000 1.0450 8530061 .2500 119,127.93 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8530085 .2500 138,496.80 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8530091 .2500 57,484.02 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 1 8530101 .2500 83,569.83 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.0000 .6700 8530217 .2500 278,028.32 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8530229 .2500 95,820.47 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8530261 .2500 64,532.57 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8530293 .2500 245,652.21 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8530355 .2500 64,442.99 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8530375 .2500 107,223.32 .0800 5.5000 .0000 5.2500 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.0000 5.6700 .0000 5.0000 .6700 8539623 .2500 88,846.24 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8539633 .2500 153,039.02 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8539659 .2500 320,305.40 .0300 5.1250 .0000 4.8750 .0000 4.8450 .0000 4.8450 .0000 8539661 .2500 307,297.51 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8539711 .2500 132,847.85 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 1 8539777 .2500 223,370.36 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8539783 .2500 84,420.17 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.0000 .7950 8539787 .2500 215,654.34 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8540177 .2500 105,591.95 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8541023 .2500 55,949.48 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8541051 .2500 85,091.59 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8541215 .2500 216,035.13 .0800 5.5000 .0000 5.2500 .0000 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.0000 5.0000 .2950 8568973 .2500 179,415.03 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 1 8568999 .2500 99,265.64 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8569053 .2500 170,577.42 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8569059 .2500 79,148.01 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8569063 .2500 55,613.92 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.0000 .6700 8569093 .2500 72,904.59 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.0000 .9200 8569109 .2500 168,966.53 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8569189 .2500 140,857.95 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8569191 .2500 168,725.31 .0300 5.0000 .0000 4.7500 .0000 4.7200 .0000 4.7200 .0000 1 8571825 .2500 119,146.04 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8576601 .2500 111,001.10 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8582101 .2500 304,567.08 .0800 5.6250 .0000 5.3750 .0000 5.2950 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5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8716111 .2500 208,000.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8716137 .2500 128,100.00 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 1 8716713 .2500 144,000.00 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8716717 .2500 211,941.81 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8717095 .2500 360,402.39 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8717139 .2500 87,176.04 .0300 5.1250 .0000 4.8750 .0000 4.8450 .0000 4.8450 .0000 8717153 .2500 301,000.00 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8717193 .2500 61,779.92 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8717297 .2500 118,000.00 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8717305 .2500 214,228.69 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 1 8717343 .2500 430,450.20 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8717345 .2500 243,295.88 .0300 5.1250 .0000 4.8750 .0000 4.8450 .0000 4.8450 .0000 8717383 .2500 71,000.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8717411 .2500 63,262.43 .0300 5.0000 .0000 4.7500 .0000 4.7200 .0000 4.7200 .0000 8717417 .2500 250,000.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8717513 .2500 177,200.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8717529 .2500 128,000.00 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8718171 .2500 249,112.55 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 1 8718465 .2500 75,000.00 .0300 5.0000 .0000 4.7500 .0000 4.7200 .0000 4.7200 .0000 8718497 .2500 85,000.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8718511 .2500 111,606.61 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8718517 .2500 97,000.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8718547 .2500 235,179.82 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 8718617 .2500 37,365.46 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8718619 .2500 93,000.00 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8718635 .2500 52,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.0000 .7950 1 8718637 .2500 91,669.95 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8718673 .2500 49,500.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.0000 .7950 8718735 .2500 382,250.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 8718747 .2500 47,800.00 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8718779 .2500 108,800.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8718785 .2500 59,780.17 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8718809 .2500 123,300.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.0000 .7950 8718841 .2500 64,500.00 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 1 8718911 .2500 144,047.00 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8718959 .2500 65,000.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8718969 .2500 476,000.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8719031 .2500 91,120.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8719071 .2500 64,000.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8719091 .2500 208,000.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8719109 .2500 133,000.00 .0300 4.8750 .0000 4.6250 .0000 4.5950 .0000 4.5950 .0000 8719221 .2500 215,000.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 1 8719227 .2500 100,000.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8719229 .2500 118,300.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8719241 .2500 125,000.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8719247 .2500 68,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.0000 .7950 8719283 .2500 60,750.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8719361 .2500 68,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.0000 .7950 8719475 .2500 230,000.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8719531 .2500 444,000.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 1 8719533 .2500 63,400.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8719551 .2500 487,500.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8719567 .2500 86,000.00 .0300 5.1250 .0000 4.8750 .0000 4.8450 .0000 4.8450 .0000 8719573 .2500 103,500.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8719575 .2500 125,000.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8719581 .2500 253,500.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8719593 .2500 265,000.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8719595 .2500 91,600.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 1 8719975 .2500 338,714.64 .0300 4.8750 .0000 4.6250 .0000 4.5950 .0000 4.5950 .0000 8720279 .2500 127,600.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8720399 .2500 259,067.25 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8720499 .2500 212,000.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8720925 .2500 63,779.93 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.0000 .6700 8721061 .2500 180,000.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8721645 .2500 108,000.00 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8722423 .2500 342,765.90 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 1 8722535 .2500 96,000.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8722911 .2500 575,000.00 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8722933 .2500 55,109.85 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.0000 .6700 8723025 .2500 73,338.73 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8723157 .2500 199,282.50 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8723537 .2500 192,500.00 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8723547 .2500 129,750.00 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8723559 .2500 300,000.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 1 8723719 .2500 93,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 8723721 .2500 112,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 8723783 .2500 65,000.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.0000 .6700 8723827 .2500 64,800.00 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8723857 .2500 127,500.00 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8724023 .2500 48,500.00 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8724063 .2500 101,600.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8724067 .2500 95,000.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 1 8724571 .2500 52,000.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8724627 .2500 649,600.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8724735 .2500 65,000.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8724805 .2500 52,064.52 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8724863 .2500 64,600.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.0000 .6700 8725005 .2500 101,000.00 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8725073 .2500 274,000.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8725075 .2500 70,000.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 1 8725081 .2500 155,700.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.0000 .6700 8726355 .2500 145,500.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8726369 .2500 168,560.35 .0300 4.8750 .0000 4.6250 .0000 4.5950 .0000 4.5950 .0000 8727105 .2500 94,826.29 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.0000 .7950 8727183 .2500 227,688.86 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8727259 .2500 206,241.60 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8727299 .2500 110,000.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8727495 .2500 264,000.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 1 8728019 .2500 140,000.00 .0300 5.1250 .0000 4.8750 .0000 4.8450 .0000 4.8450 .0000 8728029 .2500 117,600.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8728035 .2500 195,000.00 .0300 5.1250 .0000 4.8750 .0000 4.8450 .0000 4.8450 .0000 8728111 .2500 53,000.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8728119 .2500 418,000.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.0000 .6700 8728147 .2500 250,000.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8728197 .2500 50,000.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8728283 .2500 155,000.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 1 8728329 .2500 114,000.00 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8728333 .2500 56,080.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8728349 .2500 205,000.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8728363 .2500 39,600.00 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8728365 .2500 460,000.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8728497 .2500 128,000.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8728559 .2500 130,300.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8728571 .2500 43,300.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.0000 .6700 1 8728579 .2500 126,500.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8728625 .2500 84,685.30 .0300 5.1250 .0000 4.8750 .0000 4.8450 .0000 4.8450 .0000 8728773 .2500 69,000.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8728783 .2500 366,665.82 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8728817 .2500 49,826.23 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 8729491 .2500 248,000.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8729897 .2500 50,000.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8730115 .2500 123,000.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 1 8730141 .2500 150,000.00 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8730263 .2500 322,200.00 .0300 5.0000 .0000 4.7500 .0000 4.7200 .0000 4.7200 .0000 8730793 .2500 322,000.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8731447 .2500 59,500.00 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8731497 .2500 158,700.00 .0300 4.8750 .0000 4.6250 .0000 4.5950 .0000 4.5950 .0000 8731659 .2500 83,000.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8731669 .2500 185,000.00 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8731971 .2500 144,800.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 1 8732449 .2500 50,000.00 .0300 4.8750 .0000 4.6250 .0000 4.5950 .0000 4.5950 .0000 8733521 .2500 71,250.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8733853 .2500 50,000.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8734925 .2500 48,300.00 .0300 5.1250 .0000 4.8750 .0000 4.8450 .0000 4.8450 .0000 8736947 .2500 60,000.00 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8737195 .2500 115,000.00 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8737199 .2500 288,500.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8737231 .2500 148,547.98 .0300 5.1250 .0000 4.8750 .0000 4.8450 .0000 4.8450 .0000 1 8737935 .2500 216,000.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8739771 .2500 61,000.00 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8739791 .2500 64,000.00 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8739821 .2500 117,850.00 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8739843 .2500 246,000.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8739895 .2500 375,000.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8739931 .2500 125,400.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8739943 .2500 75,900.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 1 8740267 .2500 93,000.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8740335 .2500 145,000.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8740449 .2500 123,500.00 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8740455 .2500 142,500.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 8740459 .2500 93,000.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8740477 .2500 145,500.00 .0300 5.0000 .0000 4.7500 .0000 4.7200 .0000 4.7200 .0000 8740519 .2500 77,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.0000 .9200 8741039 .2500 294,500.00 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 1 8741135 .2500 430,000.00 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8741163 .2500 77,500.00 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8741507 .2500 118,000.00 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8741551 .2500 85,000.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8741575 .2500 90,250.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8741583 .2500 122,400.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8741629 .2500 145,200.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8741635 .2500 39,279.04 .0300 5.1250 .0000 4.8750 .0000 4.8450 .0000 4.8450 .0000 1 8741681 .2500 270,000.00 .0300 5.0000 .0000 4.7500 .0000 4.7200 .0000 4.7200 .0000 8741895 .2500 127,500.00 .0800 6.0000 .0000 5.7500 .0000 5.6700 .0000 5.0000 .6700 8742745 .2500 71,250.00 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8742943 .2500 92,000.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8742993 .2500 120,000.00 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8743041 .2500 74,800.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 8744265 .2500 82,400.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8745051 .2500 123,804.25 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 1 8745271 .2500 378,600.00 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8745865 .2500 96,200.00 .0300 5.1250 .0000 4.8750 .0000 4.8450 .0000 4.8450 .0000 8745939 .2500 146,400.00 .0800 5.8750 .0000 5.6250 .0000 5.5450 .0000 5.0000 .5450 8746159 .2500 62,400.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8746295 .2500 150,400.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8746465 .2500 145,600.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8746559 .2500 86,000.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8746579 .2500 131,000.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 1 8747503 .2500 208,000.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8747593 .2500 147,500.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 8747915 .2500 70,000.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8748101 .2500 130,000.00 .0800 5.6250 .0000 5.3750 .0000 5.2950 .0000 5.0000 .2950 8748543 .2500 85,500.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8748549 .2500 362,000.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8748689 .2500 224,000.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 8749371 .2500 247,000.00 .0300 5.2500 .0000 5.0000 .0000 4.9700 .0000 4.9700 .0000 1 8749543 .2500 339,000.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8752189 .2500 95,000.00 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8753131 .2500 75,000.00 .0800 5.3750 .0000 5.1250 .0000 5.0450 .0000 5.0000 .0450 8753349 .2500 116,800.00 .0800 5.7500 .0000 5.5000 .0000 5.4200 .0000 5.0000 .4200 8756135 .2500 157,500.00 .0800 5.5000 .0000 5.2500 .0000 5.1700 .0000 5.0000 .1700 TOTAL NUMBER OF LOANS: 1555 TOTAL BALANCE........: 258,252,490.02 RUN ON : 06/23/03 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 10.55.37 INITIAL SECURITY FEES AMORTIZED BALANCE SERIES : RALI 2003-QS12 FIXED SUMMARY REPORT CUTOFF : 06/01/03 POOL : 0004710 : : POOL STATUS: F WEIGHTED AVERAGES FROM TO -------------------------------------------------------------------------- CURR NOTE RATE 5.5332 4.7500 7.2500 RFC NET RATE 5.2832 4.5000 7.0000 NET MTG RATE(INVSTR RATE) 5.2132 4.4700 6.9200 POST STRIP RATE 4.9697 4.4700 5.0000 SUB SERV FEE .2500 .2500 .2500 MSTR SERV FEE .0700 .0300 .0800 ALL EXP .0000 .0000 .0000 MISC EXP .0000 .0000 .0000 SPREAD .0000 .0000 .0000 STRIP .2435 .0000 1.9200 TOTAL NUMBER OF LOANS: 1555 TOTAL BALANCE........: 258,252,490.02 *************************** * END OF REPORT * *************************** RUN ON : 06/23/03 RFC DISCLOSURE SYSTEM RFFSD177-01 AT : 10.55.37 FIXED RATE LOAN LISTING AMORTIZED BALANCE SERIES : RALI 2003-QS12 CUTOFF : 06/01/03 POOL : 0004710 : : 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 # ______________________________________________________________________________ 8182979 964/G02 F 133,600.00 ZZ 180 129,551.11 1 5.750 1,109.43 80 5.500 1,109.43 NORTH LAS VEGAS NV 89031 2 10/02/02 00 0434854717 03 12/01/02 0 268549 O 11/01/17 0 8237613 286/286 F 348,000.00 ZZ 180 330,353.57 1 5.625 2,866.59 25 5.375 2,866.59 NEW ORLEANS LA 70115 2 09/23/02 00 1587622 05 11/01/02 0 1587622 O 10/01/17 0 8239043 E22/G02 F 228,000.00 ZZ 180 222,234.54 1 5.625 1,878.11 74 5.375 1,878.11 RENO NV 89509 2 11/17/02 00 0415198621 05 01/01/03 0 0415198621 O 12/01/17 0 8240271 W02/G02 F 34,300.00 ZZ 180 33,568.37 1 5.750 284.84 44 5.500 284.84 GREEN COVE SPRI FL 32043 5 11/08/02 00 0435129838 05 01/01/03 0 1 1001713197 O 12/01/17 0 8243645 896/G01 F 440,000.00 ZZ 180 430,615.41 1 5.750 3,653.80 80 5.500 3,653.80 GAINESVILLE GA 30506 5 11/11/02 00 0435174297 05 01/01/03 0 29472 O 12/01/17 0 8257417 H93/G02 F 225,000.00 ZZ 180 220,299.50 1 6.000 1,898.68 98 5.750 1,898.68 LEE'S SUMMIT MO 64063 2 11/26/02 04 0435067103 05 01/01/03 35 2002001816 O 12/01/17 0 8271015 U05/G02 F 212,800.00 ZZ 180 208,203.47 1 5.750 1,767.11 70 5.500 1,767.11 LAKE WORTH FL 33460 5 11/21/02 00 0435047071 05 01/01/03 0 3278037 O 12/01/17 0 8282519 E47/G02 F 80,000.00 ZZ 180 78,328.68 1 6.000 675.09 37 5.750 675.09 SAN ANTONIO TX 78228 5 11/27/02 00 0435872502 05 01/01/03 0 7329012623 O 12/01/17 0 8287487 286/286 F 132,000.00 ZZ 180 128,304.61 1 6.000 1,113.90 80 5.750 1,113.90 SALT LAKE CITY UT 84121 5 09/26/02 00 1502005 05 11/01/02 0 1502005 O 10/01/17 0 1 8292675 E22/G02 F 65,000.00 ZZ 180 63,906.20 1 6.375 561.76 60 6.125 561.76 NORTH BRUNSWICK NJ 08902 5 12/16/02 00 0415390681 01 02/01/03 0 0415390681 N 01/01/18 0 8300665 K15/G02 F 44,900.00 ZZ 180 44,159.54 1 6.875 400.44 63 6.625 400.44 STANLEY NC 28164 2 12/10/02 00 0435122478 27 02/01/03 0 017305507023 O 01/01/18 0 8301001 E22/G02 F 172,000.00 ZZ 180 168,816.40 1 6.000 1,451.43 72 5.750 1,451.43 MAGNOLIA TX 77354 5 12/13/02 00 0415364892 03 02/01/03 0 0415364892 O 01/01/18 0 8303099 N74/G02 F 67,500.00 ZZ 180 66,089.87 1 6.000 569.60 90 5.750 569.60 HOPEWELL VA 23860 5 12/13/02 10 0435294798 05 01/18/03 25 5356025 O 12/18/17 0 8324887 X31/G02 F 130,150.00 ZZ 180 127,236.16 1 6.500 1,133.75 95 6.250 1,133.75 BLOOMINGTON CA 92316 1 12/10/02 01 0435533229 05 02/01/03 30 40105312 O 01/01/18 0 8342091 E84/G02 F 134,500.00 ZZ 180 128,988.97 1 5.625 1,107.92 39 5.375 1,107.92 1 ANNAPOLIS MD 21401 2 12/05/02 00 0435190905 05 02/01/03 0 65020103 O 01/01/18 0 8353407 U05/G02 F 440,000.00 ZZ 180 432,279.01 1 5.875 3,683.32 78 5.625 3,683.32 DALY CITY CA 94014 5 12/11/02 00 0435842497 05 02/01/03 0 3278002 O 01/01/18 0 8358774 E23/G02 F 137,000.00 ZZ 180 135,611.81 1 6.250 1,174.67 39 6.000 1,174.67 NEWARK CA 94560 2 02/19/03 00 0435767645 01 04/01/03 0 61009839 N 03/01/18 0 8360510 E23/G02 F 322,000.00 ZZ 180 319,708.56 1 5.625 2,652.42 72 5.375 2,652.42 SAN DIEGO CA 92129 5 03/21/03 00 0435724505 05 05/01/03 0 11018428 O 04/01/18 0 8364724 E23/G02 F 235,000.00 ZZ 180 234,200.51 4 6.125 1,998.97 47 5.875 1,998.97 SANTA ANA CA 92704 5 04/15/03 00 0435741954 05 06/01/03 0 51028591 N 05/01/18 0 8364728 E23/G02 F 133,000.00 ZZ 180 132,517.81 1 5.375 1,077.92 77 5.125 1,077.92 LOS ANGELES CA 90008 5 04/10/03 00 0435744313 05 06/01/03 0 61010805 O 05/01/18 0 1 8365686 W98/G02 F 170,000.00 ZZ 180 169,383.67 1 5.375 1,377.79 61 5.125 1,377.79 MANASSAS VA 20110 5 04/17/03 00 0435789334 05 06/01/03 0 WA030331 O 05/01/18 0 8365858 E23/G02 F 117,000.00 ZZ 180 116,601.96 3 6.125 995.23 65 5.875 995.23 DESERT HOT SPRI CA 92240 5 04/24/03 00 0435765557 05 06/01/03 0 51027700 N 05/01/18 0 8366154 X80/G02 F 190,000.00 ZZ 180 188,619.24 1 5.375 1,539.88 78 5.125 1,539.88 FRESNO CA 93720 2 03/25/03 00 0435785274 05 05/01/03 0 1410142515 O 04/01/18 0 8366242 Q51/G02 F 265,000.00 ZZ 180 264,029.10 1 5.250 2,130.28 56 5.000 2,130.28 ROWLAND HEIGHTS CA 91748 2 04/22/03 00 0435811336 05 06/01/03 0 1063563 O 05/01/18 0 8366718 E23/G02 F 210,000.00 ZZ 180 209,285.57 4 6.125 1,786.31 36 5.875 1,786.31 ORANGE CA 92867 2 04/15/03 00 0435872213 05 06/01/03 0 51028590 N 05/01/18 0 8367400 W98/G02 F 112,000.00 ZZ 180 111,589.66 1 1 5.250 900.34 73 5.000 900.34 WINCHESTER VA 22602 2 04/30/03 00 0435861406 05 06/01/03 0 L0303029 O 05/01/18 0 8367428 E23/G02 F 200,000.00 ZZ 180 199,259.53 1 5.125 1,594.64 52 4.875 1,594.64 WESTMINSTER CA 92683 5 04/21/03 00 0435895842 05 06/01/03 0 51028668 O 05/01/18 0 8367450 E23/G02 F 68,500.00 ZZ 180 68,254.26 1 5.500 559.70 55 5.250 559.70 SACRAMENTO CA 95815 2 04/25/03 00 0435778139 05 06/01/03 0 64001262 O 05/01/18 0 8367614 P90/G02 F 124,100.00 ZZ 180 124,100.00 1 6.000 1,047.23 82 5.750 1,047.23 CHOCTAW OK 73020 5 05/09/03 10 0435802145 05 07/01/03 6 959627 O 06/01/18 0 8367880 W98/G02 F 231,200.00 ZZ 180 230,361.78 1 5.375 1,873.80 80 5.125 1,873.80 HAMILTON VA 20158 5 04/30/03 00 0435849286 05 06/01/03 0 L0303035 O 05/01/18 0 8367892 W98/G02 F 121,600.00 ZZ 180 121,145.06 1 5.000 961.61 30 4.750 961.61 ALEXANDRIA VA 22306 2 04/25/03 00 0435865654 05 06/01/03 0 1 F0408136 O 05/01/18 0 8367982 E23/G02 F 117,500.00 ZZ 180 117,069.50 1 5.250 944.56 65 5.000 944.56 GUSTINE CA 95322 5 04/24/03 00 0435803861 05 06/01/03 0 64001129 O 05/01/18 0 8368832 E23/G02 F 79,000.00 ZZ 180 78,716.58 1 5.500 645.50 55 5.250 645.50 LAS VEGAS NV 89129 2 04/24/03 00 0435811419 05 06/01/03 0 41006579 N 05/01/18 0 8370848 W98/G02 F 87,500.00 ZZ 180 87,500.00 1 5.375 709.16 80 5.125 709.16 PETERSBURG VA 23805 2 05/08/03 00 0435881693 05 07/01/03 0 RC030434 O 06/01/18 0 8371130 E23/G02 F 130,000.00 ZZ 180 130,000.00 1 5.875 1,088.25 79 5.625 1,088.25 FONTANA AREA CA 92336 5 05/07/03 00 0435886908 05 07/01/03 0 51029306 O 06/01/18 0 8371158 P90/G02 F 32,500.00 ZZ 180 32,500.00 1 6.000 274.25 67 5.750 274.25 KANSAS CITY MO 64127 5 05/21/03 00 0435900063 05 07/01/03 0 959685 O 06/01/18 0 1 8371182 E23/G02 F 322,700.00 ZZ 180 322,700.00 1 5.125 2,572.95 52 4.875 2,572.95 FOUNTAIN VALLEY CA 92708 2 05/07/03 00 0435885074 05 07/01/03 0 51029842 O 06/01/18 0 8371190 Q51/G02 F 642,500.00 ZZ 180 642,500.00 1 5.250 5,164.91 65 5.000 5,164.91 DIAMOND BAR CA 91765 2 05/22/03 00 0435911946 03 07/01/03 0 0711487 O 06/01/18 0 8371912 W98/G02 F 80,000.00 ZZ 180 80,000.00 1 5.500 653.67 80 5.250 653.67 SNOW HILL MD 21863 5 05/22/03 00 0435910294 05 07/01/03 0 F0408159 O 06/01/18 0 8371974 E23/G02 F 215,000.00 ZZ 180 215,000.00 1 4.875 1,686.24 54 4.625 1,686.24 RANCHO CUCAMONG CA 91739 5 05/08/03 00 0435896022 05 07/01/03 0 51028549 O 06/01/18 0 8372022 168/168 F 440,000.00 ZZ 180 440,000.00 1 5.750 3,653.80 78 5.500 3,653.80 DAVIDSONVILLE MD 21035 2 05/13/03 00 0339339802 03 07/01/03 0 0339339802 O 06/01/18 0 8377499 E22/G02 F 50,000.00 ZZ 180 49,335.75 1 6.500 435.55 67 6.250 435.55 1 RADCLIFF KY 40160 2 01/15/03 00 0415767862 27 03/01/03 0 0415767862 O 02/01/18 0 8377549 E22/G02 F 78,000.00 ZZ 180 76,884.65 1 5.625 642.51 34 5.375 642.51 NEVADA CITY CA 95959 2 01/06/03 00 0415806918 27 03/01/03 0 0415806918 O 02/01/18 0 8432631 E22/G02 F 98,800.00 ZZ 180 97,742.89 1 5.625 813.85 79 5.375 813.85 CARSON CITY NV 89706 2 02/05/03 00 0415935618 27 04/01/03 0 0415935618 O 03/01/18 0 8441427 Q87/G02 F 36,000.00 ZZ 120 35,086.05 1 6.250 404.21 54 6.000 404.21 OZARK MO 65721 2 02/04/03 00 0435428065 27 03/10/03 0 FOGA02 O 02/10/13 0 8443775 W02/G02 F 44,300.00 ZZ 180 43,673.08 1 5.750 367.88 67 5.500 367.88 LIVE OAK FL 32064 2 01/27/03 00 0435452107 27 03/01/03 0 1001954048 O 02/01/18 0 8461615 N74/G02 F 42,400.00 ZZ 180 41,974.18 1 6.375 366.44 69 6.125 366.44 STAR CITY AR 71667 2 02/14/03 00 0435460548 27 04/01/03 0 0031726010 O 03/01/18 0 1 8465129 E84/G02 F 126,000.00 ZZ 180 124,073.21 1 5.625 1,037.90 70 5.375 1,037.90 RIDGEFIELD WA 98642 2 01/22/03 00 0435428354 27 03/01/03 0 60205578 O 02/01/18 0 8467059 E22/G02 F 154,500.00 ZZ 180 152,846.92 1 5.625 1,272.67 80 5.375 1,272.67 FRESNO CA 93722 1 02/19/03 00 0416084903 05 04/01/03 0 0416084903 O 03/01/18 0 8467121 E22/G02 F 235,000.00 ZZ 180 232,537.85 1 5.875 1,967.23 24 5.625 1,967.23 LAFAYETTE CA 94549 2 01/29/03 00 0415731421 05 04/01/03 0 0415731421 O 03/01/18 0 8489255 E47/G02 F 69,500.00 TX 180 68,634.67 1 5.875 581.80 61 5.625 581.80 SAN ANTONIO TX 78223 5 02/20/03 00 0435771449 05 04/01/03 0 7329013160 O 03/01/18 0 8491747 286/286 F 108,000.00 ZZ 180 106,084.99 1 5.750 896.85 75 5.500 896.85 NEWPORT NEWS VA 23607 2 12/19/02 00 1741230 05 02/01/03 0 1741230 N 01/01/18 0 8491749 286/286 F 41,500.00 ZZ 180 40,764.10 1 1 5.750 344.63 57 5.500 344.63 HAMPTON VA 23669 2 12/20/02 00 1741292 05 02/01/03 0 1741292 N 01/01/18 0 8491757 286/286 F 119,000.00 ZZ 180 116,889.97 1 5.750 988.19 78 5.500 988.19 SEAFORD VA 23696 2 12/19/02 00 1750540 05 02/01/03 0 1750540 N 01/01/18 0 8491763 286/286 F 96,750.00 ZZ 180 95,395.10 2 5.875 809.92 90 5.625 809.92 VA BEACH VA 23454 1 01/07/03 12 1751407 05 03/01/03 12 1751407 N 02/01/18 0 8491771 286/286 F 37,600.00 ZZ 180 36,960.54 1 6.250 322.40 80 6.000 322.40 TOLONO IL 61880 1 12/27/02 00 1856601 05 02/01/03 0 1856601 N 01/01/18 0 8491779 286/286 F 300,000.00 ZZ 180 294,735.66 1 5.875 2,511.36 50 5.625 2,511.36 TUSTIN RANCH CA 92782 5 01/02/03 00 1611078 05 02/01/03 0 1611078 O 01/01/18 0 8491785 286/286 F 134,150.00 ZZ 180 130,982.15 1 5.875 1,123.00 68 5.625 1,123.00 MIAMI FL 33125 2 12/19/02 00 1828727 05 02/01/03 0 1 1828727 O 01/01/18 0 8491857 286/286 F 94,400.00 ZZ 180 93,078.04 1 5.875 790.24 80 5.625 790.24 WADSWORTH OH 44281 1 01/03/03 00 1820264 05 03/01/03 0 1820264 O 02/01/18 0 8491865 286/286 F 106,400.00 ZZ 180 104,532.90 1 5.875 890.70 80 5.625 890.70 MIAMI FL 33032 1 12/31/02 00 1865617 05 02/01/03 0 1865617 O 01/01/18 0 8491873 286/286 F 133,500.00 ZZ 180 131,630.46 1 5.875 1,117.56 75 5.625 1,117.56 LANHAM MD 20706 1 01/08/03 00 1846866 05 03/01/03 0 1846866 N 02/01/18 0 8491879 286/286 F 100,000.00 ZZ 180 98,134.94 2 6.000 843.86 29 5.750 843.86 DALLAS TX 75205 1 12/16/02 00 1865317 05 02/01/03 0 1865317 N 01/01/18 0 8491885 286/286 F 222,950.00 ZZ 180 219,118.60 2 6.125 1,896.47 65 5.875 1,896.47 NEW BRUNSWICK NJ 08901 5 12/13/02 00 1646341 05 02/01/03 0 1646341 N 01/01/18 0 1 8491895 286/286 F 255,700.00 ZZ 180 251,351.59 4 6.250 2,192.44 64 6.000 2,192.44 NEW BRUNSWICK NJ 08901 5 12/27/02 00 1747675 05 02/01/03 0 1747675 N 01/01/18 0 8492205 286/286 F 208,000.00 ZZ 180 204,879.59 1 6.125 1,769.30 80 5.875 1,769.30 TAVERNIER FL 33070 5 01/03/03 00 1903919 05 03/01/03 0 1903919 O 02/01/18 0 8492213 286/286 F 47,000.00 ZZ 180 46,362.25 1 6.250 402.99 56 6.000 402.99 JOLIET IL 60436 2 01/06/03 00 1836783 05 03/01/03 0 1836783 N 02/01/18 0 8492217 286/286 F 52,000.00 ZZ 180 51,294.40 1 6.250 445.86 62 6.000 445.86 JOLIET IL 60436 2 01/06/03 00 1849895 05 03/01/03 0 1849895 N 02/01/18 0 8492377 286/286 F 147,375.00 ZZ 180 144,264.09 4 6.125 1,253.61 90 5.875 1,253.61 IDAHO FALLS ID 83402 1 11/07/02 11 1679882 05 01/01/03 20 1679882 O 12/01/17 0 8492381 286/286 F 115,500.00 ZZ 180 113,494.24 3 6.000 974.66 79 5.750 974.66 1 CORPUS CHRISTI TX 78413 2 12/30/02 00 1867686 05 02/01/03 0 1867686 N 01/01/18 0 8492411 286/286 F 232,000.00 ZZ 180 228,716.93 1 5.750 1,926.56 47 5.500 1,926.56 GRANT FL 32949 5 01/03/03 00 1878525 05 03/01/03 0 1878525 O 02/01/18 0 8492437 286/286 F 104,850.00 ZZ 180 103,073.92 4 6.750 927.83 90 6.500 927.83 DODGE CITY KS 67801 1 12/17/02 11 1836775 05 02/01/03 12 1836775 N 01/01/18 0 8492439 286/286 F 535,000.00 ZZ 180 525,513.73 1 5.750 4,442.70 70 5.500 4,442.70 REDDING CT 06896 1 01/02/03 00 1912271 05 02/01/03 0 1912271 O 01/01/18 0 8507571 477/G02 F 240,100.00 ZZ 180 237,688.61 2 6.375 2,075.07 70 6.125 2,075.07 LONG BEACH CA 90806 5 02/07/03 00 0435747456 05 04/01/03 0 235790 O 03/01/18 0 8522435 E22/G02 F 39,950.00 ZZ 180 39,428.87 1 5.750 331.75 85 5.500 331.75 HALFWAY MO 65663 1 03/12/03 01 0416147502 27 05/01/03 6 0416147502 O 04/01/18 0 1 8523137 964/G02 F 186,000.00 ZZ 180 184,051.24 1 5.875 1,557.04 40 5.625 1,557.04 CAMPBELL CA 95008 2 01/31/03 00 0435516620 09 04/01/03 0 321967 O 03/01/18 0 8523295 964/G02 F 234,000.00 ZZ 180 231,389.81 1 5.125 1,865.73 60 4.875 1,865.73 ROSEVILLE CA 95661 5 02/13/03 00 0435499017 05 04/01/03 0 302321 O 03/01/18 0 8523317 964/G02 F 322,700.00 ZZ 180 319,062.93 1 5.000 2,551.90 38 4.750 2,551.90 ORLANDO FL 32832 2 02/21/03 00 0435502554 05 04/01/03 0 287082 O 03/01/18 0 8523417 Q57/G02 F 36,750.00 ZZ 180 36,384.83 1 6.500 320.13 75 6.250 320.13 BAKERSFIELD CA 93004 1 02/28/03 00 0435493218 01 04/01/03 0 21000188 N 03/01/18 0 8523547 E76/G02 F 88,000.00 ZZ 180 87,386.85 1 5.875 736.66 80 5.625 736.66 OKLAHOMA CITY OK 73120 5 03/07/03 00 0435544903 05 05/01/03 0 10021659 O 04/01/18 0 8523655 P59/G02 F 69,300.00 ZZ 180 68,594.43 2 1 6.375 598.93 90 6.125 598.93 BAKERSFIELD CA 93308 1 02/11/03 01 0435588165 05 04/01/03 25 AT005273 N 03/01/18 0 8523705 964/G02 F 272,000.00 ZZ 180 269,059.15 1 5.500 2,222.47 29 5.250 2,222.47 SAN LUIS OBISPO CA 93401 2 02/12/03 00 0435497250 05 04/01/03 0 317958 O 03/01/18 0 8523765 964/G02 F 120,000.00 ZZ 180 118,702.57 3 5.500 980.50 80 5.250 980.50 PORTERVILLE CA 93257 1 02/18/03 00 0435500822 05 04/01/03 0 293710 N 03/01/18 0 8523767 964/G02 F 120,000.00 ZZ 180 118,702.57 2 5.500 980.50 80 5.250 980.50 PORTERVILLE CA 93257 1 02/18/03 00 0435495155 05 04/01/03 0 293732 N 03/01/18 0 8523787 964/G02 F 161,000.00 ZZ 180 159,259.27 1 5.500 1,315.51 69 5.250 1,315.51 RIVERSIDE (AREA CA 92509 2 02/13/03 00 0435510045 05 04/01/03 0 343827 O 03/01/18 0 8524105 W68/G02 F 91,900.00 ZZ 180 90,937.15 1 5.875 769.31 65 5.625 769.31 ROCKWALL TX 75032 1 02/12/03 00 0435683743 05 04/01/03 0 1 35686 O 03/01/18 0 8524141 420/G02 F 176,000.00 ZZ 180 174,773.68 1 5.875 1,473.33 80 5.625 1,473.33 FAIRFIELD CA 94533 5 03/03/03 00 0435542576 05 05/01/03 0 83000035 N 04/01/18 0 8524147 420/G02 F 176,000.00 ZZ 180 174,773.68 1 5.875 1,473.33 80 5.625 1,473.33 FAIRFIELD CA 94533 5 03/03/03 00 0435542881 05 05/01/03 0 83000033 N 04/01/18 0 8524173 420/G02 F 180,000.00 ZZ 180 178,745.82 1 5.875 1,506.81 80 5.625 1,506.81 FAIRFIELD CA 94533 5 03/03/03 00 0435543236 05 05/01/03 0 83000034 N 04/01/18 0 8524183 420/G02 F 176,000.00 ZZ 180 174,773.68 1 5.875 1,473.33 80 5.625 1,473.33 FAIRFIELD CA 94533 5 03/03/03 00 0435543582 05 05/01/03 0 83000036 N 04/01/18 0 8524185 U42/G02 F 12,750.00 ZZ 180 12,663.95 1 6.250 109.32 68 6.000 109.32 TYLER TX 75702 1 03/07/03 00 0435534045 05 05/01/03 0 15300384 N 04/01/18 0 1 8524459 N67/G02 F 464,000.00 ZZ 180 458,689.55 1 5.250 3,729.99 80 5.000 3,729.99 RENO NV 89511 1 02/13/03 00 0435515754 03 04/01/03 0 1260005807 O 03/01/18 0 8524479 N67/G02 F 342,500.00 ZZ 180 338,541.84 1 5.125 2,730.82 19 4.875 2,730.82 PARADISE VALLEY AZ 85253 2 02/21/03 00 0435515879 05 04/01/03 0 1760004047 O 03/01/18 0 8524641 N67/G02 F 102,000.00 ZZ 180 98,879.68 1 5.500 833.43 54 5.250 833.43 GLENDALE AZ 85302 2 02/14/02 00 0435517255 05 04/01/03 0 1781005222 O 03/01/18 0 8524735 N67/G02 F 101,350.00 ZZ 180 100,335.62 1 7.250 925.19 80 7.000 925.19 PHOENIX AZ 85043 1 02/27/03 00 0435517818 03 04/01/03 0 1781005392 O 03/01/18 0 8525269 U85/G02 F 129,500.00 ZZ 180 127,822.56 1 5.375 1,049.55 87 5.125 1,049.55 CUDAHY WI 53110 2 02/27/03 10 0435496252 05 04/01/03 12 100138 O 03/01/18 0 8525467 W35/G02 F 64,000.00 ZZ 180 63,539.73 1 5.500 522.94 79 5.250 522.94 1 ALBANY IN 47320 2 03/05/03 00 0435494661 05 05/01/03 0 17744 O 04/01/18 0 8525639 601/G02 F 184,000.00 ZZ 180 181,924.17 1 5.750 1,527.96 80 5.500 1,527.96 MARSHALLTOWN IA 50158 5 02/24/03 00 0435495791 05 04/01/03 0 62526884 O 03/01/18 0 8526171 601/G02 F 132,600.00 ZZ 180 131,102.92 1 5.625 1,092.27 72 5.375 1,092.27 TAMPA FL 33618 5 02/19/03 00 0435498787 05 04/01/03 0 62448683 O 03/01/18 0 8526381 E82/G02 F 43,400.00 ZZ 180 43,094.39 1 5.750 360.40 66 5.500 360.40 BAY CITY MI 48706 2 03/11/03 00 0400789616 05 05/01/03 0 0400789616 O 04/01/18 0 8526393 E82/G02 F 90,400.00 ZZ 180 89,756.70 1 5.625 744.65 78 5.375 744.65 FREDERICKSBURG VA 22407 2 03/12/03 00 0400794947 05 05/01/03 0 0400794947 O 04/01/18 0 8526397 E82/G02 F 71,200.00 ZZ 180 70,698.64 1 5.750 591.25 66 5.500 591.25 ROELAND PARK KS 66205 2 03/13/03 00 0400798526 05 05/01/03 0 0400798526 N 04/01/18 0 1 8526399 E82/G02 F 72,800.00 ZZ 180 72,287.36 1 5.750 604.54 62 5.500 604.54 FAIRWAY KS 66205 2 03/13/03 00 0400798567 05 05/01/03 0 0400798567 N 04/01/18 0 8526765 E22/G02 F 105,000.00 ZZ 180 103,462.11 1 5.875 878.97 39 5.625 878.97 SUGAR LAND TX 77479 5 03/06/03 00 0416007615 03 05/01/03 0 0416007615 N 04/01/18 0 8526797 E22/G02 F 260,000.00 ZZ 180 256,877.34 1 5.500 2,124.42 48 5.250 2,124.42 SAN FRANCISCO CA 94134 5 02/27/03 00 0416236081 07 05/01/03 0 0416236081 O 04/01/18 0 8528223 E84/G02 F 122,400.00 ZZ 180 120,739.12 1 6.250 1,049.49 59 6.000 1,049.49 PORTLAND OR 97212 2 01/30/03 00 0435547187 05 03/01/03 0 60904090 N 02/01/18 0 8528265 U05/G02 F 150,000.00 TX 180 148,411.81 1 5.750 1,245.62 58 5.500 1,245.62 DALLAS TX 75229 5 02/20/03 00 0435607098 05 04/01/03 0 3316472 O 03/01/18 0 8528279 N74/G02 F 130,635.00 ZZ 180 129,081.66 1 1 5.375 1,058.75 88 5.125 1,058.75 GREENSBORO NC 27410 5 03/10/03 10 0435497185 05 04/14/03 25 0031938010 O 03/14/18 0 8528337 940/G02 F 89,000.00 ZZ 180 87,933.60 1 5.875 745.04 57 5.625 745.04 HIGHLAND CA 92346 5 02/24/03 00 0435533823 05 04/01/03 0 22030009 O 03/01/18 0 8528531 E82/G02 F 39,900.00 ZZ 180 39,621.98 1 5.875 334.01 67 5.625 334.01 PHOENIX AZ 85012 2 02/25/03 00 0400789434 08 05/01/03 0 0400789434 O 04/01/18 0 8528731 477/G02 F 246,000.00 ZZ 180 244,212.28 1 5.375 1,993.74 88 5.125 1,993.74 GOLD CANYON AZ 85219 2 03/03/03 11 0435541669 05 05/01/03 20 238907 O 04/01/18 0 8528743 W68/G02 F 54,100.00 ZZ 180 53,464.10 1 5.750 449.25 68 5.500 449.25 MEMPHIS TN 38118 2 02/19/03 00 0435542923 05 04/01/03 0 3021016 O 03/01/18 0 8528897 967/G02 F 43,800.00 T 180 43,467.25 1 6.500 381.55 44 6.250 381.55 COUGAR WA 98616 2 02/28/03 00 0435534292 27 05/01/03 0 1 5993910 O 04/01/18 0 8529355 A50/G02 F 156,950.00 ZZ 180 154,939.27 1 6.250 1,345.73 79 6.000 1,345.73 GUNTERSVILLE AL 35976 2 02/24/03 00 0435502166 05 04/01/03 0 1009927 O 03/01/18 0 8529671 U87/G02 F 287,600.00 ZZ 180 285,443.54 1 5.000 2,274.32 42 4.750 2,274.32 SAN BRUNO CA 94066 2 03/11/03 00 0435547054 05 05/01/03 0 1951 O 04/01/18 0 8529777 Q87/G02 F 80,000.00 ZZ 180 79,196.54 1 6.375 691.40 73 6.125 691.40 PENSACOLA FL 32506 5 02/20/03 00 0435544820 05 04/01/03 0 PHSC01 O 03/01/18 0 8530061 E22/G02 F 120,000.00 ZZ 180 119,127.93 1 5.375 972.56 76 5.125 972.56 TACOMA WA 98445 1 03/10/03 00 0416330678 03 05/01/03 0 0416330678 O 04/01/18 0 8530085 E22/G02 F 139,500.00 ZZ 180 138,496.80 1 5.500 1,139.83 90 5.250 1,139.83 HAMBURG NJ 07419 5 03/10/03 01 0416352375 05 05/01/03 25 0416352375 O 04/01/18 0 1 8530091 E22/G02 F 57,950.00 ZZ 180 57,484.02 1 5.375 469.66 95 5.125 469.66 PENSACOLA FL 32526 5 03/10/03 01 0416368397 05 05/01/03 30 0416368397 O 04/01/18 0 8530101 E22/G02 F 84,150.00 ZZ 180 83,569.83 1 6.000 710.11 90 5.750 710.11 HORN LAKE MS 38637 2 03/10/03 04 0416380913 05 05/01/03 12 0416380913 O 04/01/18 0 8530217 E22/G02 F 280,000.00 ZZ 180 278,028.32 1 5.750 2,325.15 80 5.500 2,325.15 PORTLAND OR 97229 5 03/07/03 00 0416418713 03 05/01/03 0 0416418713 O 04/01/18 0 8530229 E22/G02 F 96,500.00 ZZ 180 95,820.47 1 5.750 801.35 51 5.500 801.35 EVERETT WA 98208 2 03/11/03 00 0415085828 05 05/01/03 0 0415085828 N 04/01/18 0 8530261 E22/G02 F 65,000.00 ZZ 180 64,532.57 1 5.500 531.10 61 5.250 531.10 AUSTIN TX 78758 5 03/10/03 00 0416003135 05 05/01/03 0 0416003135 O 04/01/18 0 8530293 E22/G02 F 248,000.00 ZZ 180 245,652.21 1 5.750 2,059.42 41 5.500 2,059.42 1 ORANGE CA 92869 5 03/05/03 00 0416036192 05 05/01/03 0 0416036192 O 04/01/18 0 8530355 E22/G02 F 64,900.00 ZZ 180 64,442.99 1 5.750 538.94 78 5.500 538.94 ALBUQUERQUE NM 87108 2 03/10/03 00 0416148666 05 05/01/03 0 0416148666 O 04/01/18 0 8530375 E22/G02 F 108,000.00 ZZ 180 107,223.32 1 5.500 882.45 75 5.250 882.45 CHARLESTON SC 29412 2 03/10/03 00 0416177848 05 05/01/03 0 0416177848 O 04/01/18 0 8530379 E22/G02 F 167,200.00 T 180 166,022.62 1 5.750 1,388.45 80 5.500 1,388.45 BIG SKY MT 59716 1 03/13/03 00 0416185288 01 05/01/03 0 0416185288 O 04/01/18 0 8530383 E22/G02 F 19,500.00 ZZ 120 19,264.61 1 6.250 218.95 75 6.000 218.95 CLEBURNE TX 76031 2 03/14/03 00 0416191997 05 05/01/03 0 0416191997 N 04/01/13 0 8530393 E82/G02 F 59,400.00 ZZ 180 58,958.11 1 5.500 485.35 73 5.250 485.35 CONNELLYS SPRIN NC 28612 2 03/13/03 00 0400802898 05 05/01/03 0 0400802898 O 04/01/18 0 1 8530395 E22/G02 F 122,400.00 ZZ 120 120,882.21 1 5.750 1,343.58 83 5.500 1,343.58 OMAHA NE 68134 5 03/10/03 04 0416199602 05 05/01/03 6 0416199602 O 04/01/13 0 8530697 E84/G02 F 44,000.00 ZZ 120 43,190.50 1 6.000 488.49 39 5.750 488.49 FOUNTAIN INN SC 29644 2 02/21/03 00 0435574819 27 04/01/03 0 93000723 O 03/01/13 0 8539525 E22/G02 F 295,000.00 ZZ 180 292,847.00 1 5.375 2,390.87 74 5.125 2,390.87 FREMONT CA 94536 5 02/23/03 00 0416109213 05 05/01/03 0 0416109213 O 04/01/18 0 8539549 E22/G02 F 195,000.00 ZZ 180 193,518.37 1 5.500 1,593.31 39 5.250 1,593.31 ARLINGTON VA 22207 5 03/12/03 00 0415917152 05 05/01/03 0 0415917152 O 04/01/18 0 8539553 E22/G02 F 246,400.00 ZZ 180 244,683.15 1 5.875 2,062.66 80 5.625 2,062.66 SOUTH BERWICK ME 03908 5 03/13/03 00 0416157329 05 05/01/03 0 0416157329 O 04/01/18 0 8539561 E22/G02 F 200,000.00 ZZ 180 198,664.46 1 1 6.375 1,728.50 80 6.125 1,728.50 SAN ANTONIO TX 78255 5 03/11/03 00 0416184711 03 05/01/03 0 0416184711 O 04/01/18 0 8539573 E22/G02 F 180,500.00 ZZ 180 179,201.93 1 5.500 1,474.84 95 5.250 1,474.84 ALBUQUERQUE NM 87109 2 03/13/03 01 0416196897 05 05/01/03 25 0416196897 O 04/01/18 0 8539581 E22/G02 F 140,000.00 ZZ 180 139,014.17 1 5.750 1,162.57 52 5.500 1,162.57 WILDOMAR CA 92595 5 03/12/03 00 0416205227 05 05/01/03 0 0416205227 O 04/01/18 0 8539589 E22/G02 F 70,000.00 ZZ 120 69,143.58 1 6.000 777.14 43 5.750 777.14 HOUSTON TX 77064 5 03/13/03 00 0416214757 03 05/01/03 0 0416214757 O 04/01/13 0 8539623 E22/G02 F 89,500.00 ZZ 180 88,846.24 1 5.500 731.29 60 5.250 731.29 NEWBURG MD 20664 5 03/13/03 00 0416262681 05 05/01/03 0 0416262681 O 04/01/18 0 8539633 E22/G02 F 155,000.00 ZZ 120 153,039.02 1 5.375 1,672.57 52 5.125 1,672.57 CANYON LAKE TX 78133 5 03/12/03 00 0416276087 03 05/01/03 0 1 0416276087 O 04/01/13 0 8539659 E22/G02 F 322,700.00 ZZ 180 320,305.40 1 5.125 2,572.95 70 4.875 2,572.95 CLE ELUM WA 98922 5 03/11/03 00 0416299642 05 05/01/03 0 0416299642 O 04/01/18 0 8539661 E22/G02 F 309,500.00 ZZ 180 307,297.51 1 5.625 2,549.45 72 5.375 2,549.45 LOUISVILLE KY 40222 2 03/13/03 00 0416299923 05 05/01/03 0 0416299923 O 04/01/18 0 8539711 E22/G02 F 133,800.00 ZZ 180 132,847.85 1 5.625 1,102.15 73 5.375 1,102.15 STERLING HEIGHT MI 48312 2 03/13/03 00 0416320414 05 05/01/03 0 0416320414 O 04/01/18 0 8539777 E22/G02 F 225,000.00 ZZ 180 223,370.36 1 5.500 1,838.44 41 5.250 1,838.44 SAN FRANCISCO CA 94116 2 03/11/03 00 0416388353 07 05/01/03 0 0416388353 O 04/01/18 0 8539783 E22/G02 F 85,000.00 ZZ 180 84,420.17 1 6.125 723.03 95 5.875 723.03 ELKHART IN 46517 5 03/13/03 04 0416400422 05 05/01/03 25 0416400422 O 04/01/18 0 1 8539787 E22/G02 F 217,200.00 ZZ 180 215,654.34 2 5.625 1,789.15 60 5.375 1,789.15 CHICAGO IL 60625 5 03/13/03 00 0416405330 05 05/01/03 0 0416405330 O 04/01/18 0 8540177 W02/G02 F 106,400.00 ZZ 180 105,591.95 1 5.750 883.56 95 5.500 883.56 LEHIGH ACRES FL 33936 5 03/08/03 11 0435576319 05 05/01/03 25 1002080157 O 04/01/18 0 8541023 642/G02 F 56,400.00 ZZ 180 55,949.48 1 5.375 457.10 66 5.125 457.10 CANON CITY CO 81212 2 03/12/03 00 0435556501 05 05/01/03 0 02-1377-03 O 04/01/18 0 8541051 642/G02 F 86,000.00 ZZ 180 85,091.59 1 5.750 714.15 72 5.500 714.15 ANDERSON IN 46011 5 03/14/03 00 0435556097 05 05/01/03 0 02-1997-03 O 04/01/18 0 8541215 A06/G02 F 217,600.00 ZZ 180 216,035.13 1 5.500 1,777.98 79 5.250 1,777.98 YPSILANTI MI 48197 5 03/07/03 00 0435558598 05 05/01/03 0 1000020302883 O 04/01/18 0 8541267 G34/G02 F 106,000.00 TX 180 105,261.41 1 5.875 887.35 76 5.625 887.35 1 AMARILLO TX 79124 5 03/11/03 00 0435572151 05 05/01/03 0 85213796 O 04/01/18 0 8541417 X07/G02 F 230,000.00 ZZ 180 228,328.54 1 5.375 1,864.07 34 5.125 1,864.07 KEWASKUM WI 53040 2 03/13/03 00 0435542113 05 05/01/03 0 6910000919 O 04/01/18 0 8541429 S43/G02 F 53,600.00 ZZ 180 52,700.20 1 6.000 452.31 80 5.750 452.31 RIO RANCHO NM 87124 2 03/14/03 00 0435555404 05 05/01/03 0 020752 N 04/01/18 0 8541453 X44/G02 F 251,000.00 ZZ 120 247,866.64 1 5.625 2,739.58 80 5.375 2,739.58 SEAFORD DE 19973 2 03/14/03 00 0435638648 05 05/01/03 0 0688292 O 04/01/13 0 8541651 940/G02 F 131,000.00 ZZ 180 130,077.53 1 5.750 1,087.84 64 5.500 1,087.84 LA PUENTE AREA CA 91744 5 03/12/03 00 0435553383 05 05/01/03 0 40030288 O 04/01/18 0 8541691 E47/G02 F 157,500.00 ZZ 180 156,390.93 1 5.750 1,307.90 71 5.500 1,307.90 LANCASTER CA 93534 5 03/06/03 00 0435553300 05 05/01/03 0 7331014954 O 04/01/18 0 1 8541771 B57/G02 F 90,000.00 ZZ 180 89,359.54 1 5.625 741.36 75 5.375 741.36 GLENDALE AZ 85302 5 03/13/03 00 0435558424 05 05/01/03 0 20001503 N 04/01/18 0 8542307 E82/G02 F 153,100.00 ZZ 180 151,999.00 1 5.500 1,250.95 66 5.250 1,250.95 PARKER CO 80138 2 03/17/03 00 0400804548 05 05/01/03 0 0400804548 O 04/01/18 0 8542373 E84/G02 F 40,000.00 ZZ 180 39,474.19 1 6.625 351.20 80 6.375 351.20 AKRON OH 44304 2 01/25/03 00 0435574769 05 03/01/03 0 69930043 N 02/01/18 0 8542455 E84/G02 F 200,000.00 ZZ 180 197,132.25 1 5.875 1,674.24 62 5.625 1,674.24 CHARLOTTE NC 28211 2 01/31/03 00 0435569603 05 03/01/03 0 93000675 O 02/01/18 0 8542531 E84/G02 F 84,500.00 ZZ 180 83,941.73 1 6.500 736.09 57 6.250 736.09 BROOKFIELD IL 60513 2 03/12/03 00 0435569744 01 05/01/03 0 11217971 N 04/01/18 0 8542591 E22/G02 F 70,000.00 ZZ 180 63,408.99 4 1 5.875 585.98 33 5.625 585.98 COATS NC 27521 5 03/14/03 00 0416342194 05 05/01/03 0 0416342194 O 04/01/18 0 8545379 E22/G02 F 60,000.00 ZZ 180 59,285.49 1 6.500 522.66 75 6.250 522.66 BAKERSFIELD CA 93308 5 03/12/03 00 0416051159 05 05/01/03 0 0416051159 N 04/01/18 0 8553439 964/G02 F 218,000.00 ZZ 180 215,667.51 1 5.625 1,795.74 32 5.375 1,795.74 ALBANY CA 94706 2 02/18/03 00 0435572599 01 04/01/03 0 307645 O 03/01/18 0 8553621 964/G02 F 238,000.00 ZZ 180 235,506.44 1 5.875 1,992.34 63 5.625 1,992.34 SAN JOSE CA 95129 2 02/19/03 00 0435571310 09 04/01/03 0 342588 O 03/01/18 0 8555629 E22/G02 F 231,550.00 ZZ 180 229,776.77 1 5.500 1,891.96 60 5.250 1,891.96 HOUSTON TX 77024 2 03/19/03 00 0416312676 03 05/01/03 0 0416312676 O 04/01/18 0 8559143 U42/G02 F 41,000.00 ZZ 180 40,714.32 1 5.875 343.22 48 5.625 343.22 NEW BOSTON TX 75570 5 03/18/03 00 0435569561 05 05/01/03 0 1 35300086 O 04/01/18 0 8561673 E82/G02 F 101,000.00 ZZ 180 99,944.41 1 5.625 831.97 73 5.375 831.97 EDDYVILLE OR 97343 2 03/25/03 00 0400799144 27 05/01/03 0 0400799144 O 04/01/18 0 8562869 T23/G02 F 79,300.00 ZZ 180 78,717.65 1 5.250 637.48 69 5.000 637.48 NEWARK OH 43055 2 03/26/03 00 0435612411 27 05/01/03 0 6217 O 04/01/18 0 8565227 E22/G02 F 141,600.00 ZZ 180 140,623.77 1 6.000 1,194.90 80 5.750 1,194.90 PROSPER TX 75078 5 03/24/03 00 0416482743 05 05/01/03 0 0416482743 O 04/01/18 0 8566035 964/G02 F 247,800.00 ZZ 180 246,109.62 1 6.125 2,107.85 95 5.875 2,107.85 FRESNO CA 93722 1 03/05/03 11 0435876941 05 05/01/03 25 121609 O 04/01/18 0 8568913 E22/G02 F 134,500.00 ZZ 120 132,240.67 1 5.375 1,451.36 59 5.125 1,451.36 HUMBLE TX 77339 2 03/25/03 00 0416128213 03 05/01/03 0 0416128213 O 04/01/13 0 1 8568951 E22/G02 F 96,600.00 ZZ 180 95,897.99 1 5.375 782.91 75 5.125 782.91 PHOENIX AZ 85020 2 03/17/03 00 0416221422 01 05/01/03 0 0416221422 O 04/01/18 0 8568969 E22/G02 F 100,000.00 ZZ 180 99,288.38 1 5.625 823.73 65 5.375 823.73 WYLIE TX 75098 5 03/25/03 00 0416240414 05 05/01/03 0 0416240414 O 04/01/18 0 8568973 E22/G02 F 180,750.00 ZZ 180 179,415.03 1 5.500 1,476.88 72 5.250 1,476.88 RANCHO CORDOVA CA 95670 5 03/19/03 00 0416245769 05 05/01/03 0 0416245769 O 04/01/18 0 8568999 E22/G02 F 100,000.00 ZZ 180 99,265.64 1 5.250 803.88 57 5.000 803.88 NORTH PORT FL 34286 5 03/26/03 00 0416304921 05 05/01/03 0 0416304921 O 04/01/18 0 8569053 E22/G02 F 171,800.00 ZZ 180 170,577.42 1 5.625 1,415.17 82 5.375 1,415.17 PHOENIX AZ 85054 2 03/24/03 04 0416369577 05 05/01/03 6 0416369577 O 04/01/18 0 8569059 E22/G02 F 80,000.00 ZZ 180 79,148.01 1 5.625 658.99 77 5.375 658.99 1 GAINESVILLE TX 76240 5 03/24/03 00 0416371946 05 05/01/03 0 0416371946 O 04/01/18 0 8569063 E22/G02 F 56,000.00 ZZ 180 55,613.92 1 6.000 472.56 94 5.750 472.56 LAWTON OK 73505 5 03/25/03 04 0416374296 05 05/01/03 25 0416374296 O 04/01/18 0 8569093 E22/G02 F 73,400.00 ZZ 180 72,904.59 1 6.250 629.35 70 6.000 629.35 BELLEVILLE MI 48111 1 03/31/03 00 0416427243 01 05/01/03 0 0416427243 N 04/01/18 0 8569109 E22/G02 F 171,200.00 ZZ 180 168,966.53 1 5.500 1,398.85 80 5.250 1,398.85 WHEELING IL 60090 2 03/26/03 00 0416434397 09 05/01/03 0 0416434397 O 04/01/18 0 8569189 E22/G02 F 141,900.00 ZZ 180 140,857.95 1 5.250 1,140.70 64 5.000 1,140.70 LARAMIE WY 82072 5 03/26/03 00 0416485928 05 05/01/03 0 0416485928 O 04/01/18 0 8569191 E22/G02 F 170,000.00 ZZ 180 168,725.31 1 5.000 1,344.35 68 4.750 1,344.35 SOUTH PLAINFIEL NJ 07080 5 03/25/03 00 0416486090 05 05/01/03 0 0416486090 O 04/01/18 0 1 8571825 313/G02 F 120,000.00 ZZ 180 119,146.04 1 5.625 988.48 80 5.375 988.48 DALLAS TX 75219 1 03/19/03 00 0435593520 01 05/01/03 0 9431115 O 04/01/18 0 8576601 W68/G02 F 112,000.00 ZZ 180 111,001.10 1 5.375 907.72 68 5.125 907.72 MT. PLEASANT SC 29464 5 03/07/03 00 0435598925 03 05/01/03 0 3021604 O 04/01/18 0 8582101 X52/G02 F 306,750.00 T 180 304,567.08 1 5.625 2,526.80 75 5.375 2,526.80 KEY COLONY BEAC FL 33051 1 03/28/03 00 0435724554 05 05/01/03 0 KEGERR1 O 04/01/18 0 8582953 N74/G02 F 28,000.00 ZZ 180 27,816.98 1 6.625 245.84 72 6.375 245.84 MEMPHIS TN 38112 2 03/31/03 00 0435677364 05 05/01/03 0 0032101010 N 04/01/18 0 8582993 967/G02 F 107,250.00 ZZ 180 106,510.58 1 6.000 905.04 65 5.750 905.04 ANACORTES WA 98221 1 03/21/03 00 0435611702 27 05/01/03 0 6576896 O 04/01/18 0 8583133 A46/G02 F 200,000.00 ZZ 180 198,546.56 1 1 5.375 1,620.93 63 5.125 1,620.93 ALBUQUERQUE NM 87104 5 03/26/03 00 0435610530 05 05/01/03 0 0458739 O 04/01/18 0 8584657 E22/G02 F 145,000.00 ZZ 180 143,149.30 1 5.375 1,175.17 85 5.125 1,175.17 NEWBERG OR 97132 5 03/27/03 01 0416633196 05 05/01/03 6 0416633196 O 04/01/18 0 8587455 964/G02 F 201,000.00 ZZ 180 199,584.62 1 5.750 1,669.12 70 5.500 1,669.12 PHOENIX AZ 85023 5 03/21/03 00 0435628466 03 05/01/03 0 361611 O 04/01/18 0 8587667 940/G02 F 149,000.00 ZZ 180 147,917.20 1 5.375 1,207.59 54 5.125 1,207.59 ANAHEIM CA 92804 2 03/21/03 00 0435617352 05 05/01/03 0 40030346 O 04/01/18 0 8587695 964/G02 F 228,000.00 ZZ 180 226,343.08 1 5.375 1,847.86 36 5.125 1,847.86 CAMPBELL CA 95008 2 03/19/03 00 0435605803 05 05/01/03 0 351815 O 04/01/18 0 8588099 N74/G02 F 65,000.00 ZZ 180 64,527.64 1 5.375 526.80 68 5.125 526.80 DANVILLE VA 24540 2 03/28/03 00 0435637780 04 05/02/03 0 1 0032054010 O 04/02/18 0 8588567 E22/G02 F 312,400.00 ZZ 180 310,129.73 1 5.375 2,531.89 74 5.125 2,531.89 HOUSTON TX 77069 5 03/31/03 00 0416291326 03 05/01/03 0 0416291326 O 04/01/18 0 8588571 E22/G02 F 108,000.00 ZZ 180 107,608.45 1 5.375 875.30 80 5.125 875.30 HOLLYWOOD FL 33024 5 03/31/03 00 0416295889 05 06/01/03 0 0416295889 O 05/01/18 0 8588665 E22/G02 F 92,000.00 ZZ 180 91,345.31 1 5.625 757.83 80 5.375 757.83 IRVING TX 75062 5 03/31/03 00 0416426591 05 05/01/03 0 0416426591 O 04/01/18 0 8588673 E22/G02 F 104,500.00 ZZ 180 103,740.57 1 5.375 846.94 57 5.125 846.94 FRANKLIN TOWNSH NJ 07882 2 03/26/03 00 0416429306 05 05/01/03 0 0416429306 O 04/01/18 0 8588859 E22/G02 F 300,000.00 ZZ 180 297,609.90 1 5.375 2,431.40 71 5.125 2,431.40 FARMINGTON HILL MI 48331 2 03/31/03 00 0416613362 05 05/01/03 0 0416613362 O 04/01/18 0 1 8589385 X31/G02 F 145,000.00 ZZ 180 143,968.14 1 5.625 1,194.41 50 5.375 1,194.41 SANTA ANA CA 92704 2 03/19/03 00 0435596606 05 05/01/03 0 80000569 O 04/01/18 0 8589635 N74/G02 F 39,000.00 ZZ 180 38,736.78 1 6.250 334.39 75 6.000 334.39 MEMPHIS TN 38112 2 03/31/03 00 0435885249 05 05/01/03 0 0032102010 N 04/01/18 0 8589705 N74/G02 F 246,000.00 ZZ 180 244,212.28 1 5.375 1,993.74 60 5.125 1,993.74 HERNDON VA 20170 5 03/28/03 00 0435624895 03 05/02/03 0 0032053010 O 04/02/18 0 8589823 T44/G02 F 181,500.00 ZZ 180 178,976.02 1 5.375 1,470.99 41 5.125 1,470.99 LAS VEGAS NV 89129 2 03/21/03 00 0435617436 03 05/01/03 0 1070577 O 04/01/18 0 8589923 N74/G02 F 120,000.00 ZZ 120 118,451.20 1 5.000 1,272.79 67 4.750 1,272.79 LITTLE MOUNTAIN SC 29075 5 03/31/03 00 0435742150 05 05/04/03 0 0032127010 O 04/04/13 0 8590179 N47/G02 F 172,000.00 ZZ 180 170,750.04 1 5.375 1,394.00 40 5.125 1,394.00 1 CONCORD CA 94521 5 03/21/03 00 0435642335 05 05/01/03 0 90501348 O 04/01/18 0 8590591 N47/G02 F 150,000.00 ZZ 180 149,456.18 1 5.375 1,215.70 42 5.125 1,215.70 SAN DIEGO CA 92126 5 04/01/03 00 0435623970 05 06/01/03 0 30503158 O 05/01/18 0 8590637 W68/G02 F 127,300.00 ZZ 180 126,440.81 1 6.250 1,091.50 95 6.000 1,091.50 PLANO TX 75074 2 03/21/03 12 0435743893 05 05/01/03 30 302116 O 04/01/18 0 8592297 E22/G02 F 68,500.00 ZZ 180 67,890.94 1 5.625 564.26 72 5.375 564.26 ABITA SPRINGS LA 70420 2 04/02/03 00 0416277184 05 05/01/03 0 0416277184 O 04/01/18 0 8592369 E22/G02 F 154,000.00 ZZ 180 153,441.67 1 5.375 1,248.12 65 5.125 1,248.12 NORRIDGE IL 60706 2 04/02/03 00 0416343325 05 06/01/03 0 0416343325 O 05/01/18 0 8592407 E22/G02 F 252,000.00 ZZ 180 251,086.38 1 5.375 2,042.37 77 5.125 2,042.37 DALLAS TX 75229 5 04/01/03 00 0416367555 05 06/01/03 0 0416367555 O 05/01/18 0 1 8592567 E22/G02 F 280,000.00 ZZ 180 278,984.87 1 5.375 2,269.30 80 5.125 2,269.30 WESTMINSTER CO 80021 2 04/02/03 00 0416473676 03 06/01/03 0 0416473676 O 05/01/18 0 8592809 E22/G02 F 164,800.00 ZZ 180 163,639.52 1 5.750 1,368.52 80 5.500 1,368.52 LUCAS TX 75002 5 04/01/03 00 0416599173 05 05/01/03 0 0416599173 O 04/01/18 0 8592827 E22/G02 F 111,500.00 ZZ 180 111,112.50 1 5.875 933.39 75 5.625 933.39 STANDISH MI 48658 2 04/01/03 00 0416620052 05 06/01/03 0 0416620052 O 05/01/18 0 8592913 E22/G02 F 160,000.00 ZZ 180 158,837.26 1 5.375 1,296.74 54 5.125 1,296.74 OKLAHOMA CITY OK 73132 5 04/02/03 00 0416503753 03 05/01/03 0 0416503753 O 04/01/18 0 8592935 E22/G02 F 148,000.00 ZZ 180 147,046.63 1 5.375 1,199.49 98 5.125 1,199.49 MOORESVILLE IN 46158 2 04/01/03 04 0416524890 03 06/01/03 35 0416524890 O 05/01/18 0 8592945 E22/G02 F 132,000.00 ZZ 180 131,521.44 1 1 5.375 1,069.81 48 5.125 1,069.81 SEATTLE WA 98106 2 04/01/03 00 0416530673 05 06/01/03 0 0416530673 O 05/01/18 0 8593913 Q14/G02 F 59,000.00 ZZ 180 58,779.26 1 5.000 466.57 57 4.750 466.57 MARION IA 52302 2 04/02/03 00 0435627039 05 06/01/03 0 0000312277 O 05/01/18 0 8594117 X31/G02 F 50,000.00 ZZ 180 49,538.11 1 5.750 415.21 35 5.500 415.21 LAKEWOOD CO 80226 5 03/26/03 00 0435606611 01 05/01/03 0 80000645 N 04/01/18 0 8594299 P09/G02 F 203,000.00 ZZ 180 202,264.03 1 5.375 1,645.24 50 5.125 1,645.24 COLUMBIA MD 21044 5 04/04/03 00 0435638143 05 06/01/03 0 3003100150 O 05/01/18 0 8594971 K15/G02 F 85,000.00 ZZ 180 84,160.08 1 5.375 688.90 74 5.125 688.90 STREETSBORO OH 44241 5 03/21/03 00 0435624473 05 05/01/03 0 028205507045 O 04/01/18 0 8595181 Q14/G02 F 45,500.00 ZZ 180 45,169.34 1 5.375 368.76 47 5.125 368.76 DAVENPORT IA 52803 5 03/31/03 00 0435631486 05 05/01/03 0 1 0000312302 O 04/01/18 0 8595841 E22/G02 F 55,000.00 ZZ 120 54,652.86 1 5.375 593.49 73 5.125 593.49 DALLAS TX 75236 5 04/03/03 00 0416460194 05 06/01/03 0 0416460194 O 05/01/13 0 8595843 E22/G02 F 204,000.00 ZZ 180 202,517.49 1 5.375 1,653.35 80 5.125 1,653.35 SUGAR LAND TX 77479 5 04/01/03 00 0416460871 03 05/01/03 0 0416460871 O 04/01/18 0 8596015 738/G02 F 265,175.00 ZZ 180 263,247.90 1 5.375 2,149.16 47 5.125 2,149.16 DEER PARK TX 77536 2 03/18/03 00 0435631023 05 05/01/03 0 00409327500020 O 04/01/18 0 8597731 T23/G02 F 71,500.00 ZZ 180 71,240.78 1 5.375 579.48 41 5.125 579.48 NEWARK OH 43055 2 04/04/03 00 0435648027 05 06/01/03 0 6255 O 05/01/18 0 8598137 E47/G02 F 280,000.00 TX 180 277,965.19 1 5.375 2,269.30 80 5.125 2,269.30 FORT WORTH TX 76179 5 03/24/03 00 0435770441 05 05/01/03 0 7362010367 O 04/01/18 0 1 8598473 E11/G02 F 106,000.00 ZZ 180 105,229.68 1 5.375 859.09 61 5.125 859.09 MINNEAPOLIS MN 55407 2 03/31/03 00 0435663703 05 05/01/03 0 0003001055294 O 04/01/18 0 8599305 E22/G02 F 264,500.00 ZZ 180 263,541.06 2 5.375 2,143.68 52 5.125 2,143.68 LAWNDALE CA 90260 2 04/03/03 00 0416444933 05 06/01/03 0 0416444933 O 05/01/18 0 8599333 E22/G02 F 75,000.00 ZZ 180 74,535.94 1 5.375 607.85 46 5.125 607.85 WARREN MI 48093 1 04/09/03 00 0416524593 05 06/01/03 0 0416524593 O 05/01/18 0 8599337 E22/G02 F 146,250.00 ZZ 180 145,719.77 1 5.375 1,185.31 90 5.125 1,185.31 GRAPEVINE TX 76051 1 04/09/03 04 0416526317 05 06/01/03 25 0416526317 N 05/01/18 0 8599631 E82/G02 F 116,800.00 ZZ 180 116,376.55 1 5.375 946.62 67 5.125 946.62 THOUSAND OAKS CA 91361 2 04/03/03 00 0400811865 01 06/01/03 0 0400811865 O 05/01/18 0 8599645 E82/G02 F 100,700.00 ZZ 180 100,334.91 1 5.375 816.14 78 5.125 816.14 1 CONCORD CA 94519 2 04/03/03 00 0400811048 05 06/01/03 0 0400811048 O 05/01/18 0 8600739 Q30/G02 F 169,000.00 ZZ 180 167,771.83 1 5.375 1,369.69 67 5.125 1,369.69 VOORHEES NJ 08043 2 03/18/03 00 0435717541 05 05/01/03 0 21020863 O 04/01/18 0 8604367 E22/G02 F 240,000.00 ZZ 180 239,139.00 1 5.500 1,961.00 80 5.250 1,961.00 SANTA CLARITA CA 91350 5 04/09/03 00 0416413789 05 06/01/03 0 0416413789 O 05/01/18 0 8607057 G34/G02 F 64,000.00 TX 180 63,544.56 1 5.625 527.19 80 5.375 527.19 FORT WORTH TX 76116 5 03/27/03 00 0435730650 05 05/01/03 0 47000089 O 04/01/18 0 8607185 758/G02 F 59,100.00 T 180 58,692.54 1 6.000 498.72 80 5.750 498.72 CANYON LAKE TX 78133 1 03/28/03 00 0435744602 01 05/01/03 0 381407 O 04/01/18 0 8607339 N74/G02 F 157,250.00 ZZ 180 156,006.78 1 5.375 1,274.46 82 5.125 1,274.46 CHESTER VA 23831 5 03/28/03 10 0435636741 05 05/02/03 12 0032079010 O 04/02/18 0 1 8607893 E84/G02 F 135,000.00 ZZ 180 134,029.16 1 5.500 1,103.06 60 5.250 1,103.06 SILVER SPRING MD 20901 5 03/03/03 00 0435735170 07 05/01/03 0 65130047 O 04/01/18 0 8607953 M27/G02 F 161,000.00 ZZ 180 159,664.37 1 5.625 1,326.21 32 5.375 1,326.21 WILMINGTON NC 28401 2 03/26/03 00 0435808092 05 05/01/03 0 600906783 O 04/01/18 0 8608355 E22/G02 F 493,000.00 ZZ 180 491,268.37 1 5.750 4,093.92 64 5.500 4,093.92 BETHANY BEACH DE 19930 5 04/11/03 00 0416323772 05 06/01/03 0 0416323772 O 05/01/18 0 8608379 E22/G02 F 100,000.00 ZZ 120 99,373.07 1 5.500 1,085.26 70 5.250 1,085.26 FORT WAYNE IN 46825 2 04/07/03 00 0416560779 05 06/01/03 0 0416560779 O 05/01/13 0 8608411 E22/G02 F 247,000.00 ZZ 180 245,204.99 1 5.375 2,001.85 71 5.125 2,001.85 KENSINGTON MD 20895 5 04/02/03 00 0416561538 05 05/01/03 0 0416561538 O 04/01/18 0 8608483 E22/G02 F 83,000.00 ZZ 180 82,699.08 1 1 5.375 672.69 57 5.125 672.69 SIMMS MT 59477 2 04/07/03 00 0416529774 05 06/01/03 0 0416529774 O 05/01/18 0 8608627 E22/G02 F 70,000.00 ZZ 120 69,567.04 1 5.750 768.38 22 5.500 768.38 OCEAN GROVE NJ 07756 5 04/11/03 00 0416166254 05 06/01/03 0 0416166254 N 05/01/13 0 8608675 E22/G02 F 60,000.00 ZZ 180 59,795.88 1 6.125 510.37 53 5.875 510.37 SAN BERNARDINO CA 92408 5 04/04/03 00 0416688489 05 06/01/03 0 0416688489 N 05/01/18 0 8608787 E82/G02 F 100,800.00 ZZ 180 100,434.55 1 5.375 816.95 79 5.125 816.95 POPLAR GROVE IL 61065 2 04/10/03 00 0400812723 03 06/01/03 0 0400812723 O 05/01/18 0 8610015 624/G02 F 739,000.00 ZZ 180 739,000.00 1 5.875 6,186.31 53 5.625 6,186.31 LOS ANGELES CA 90077 5 05/08/03 00 0435879986 05 07/01/03 0 1000028519 O 06/01/18 0 8610877 E47/G02 F 141,000.00 TX 180 140,393.41 1 5.250 1,133.47 68 5.000 1,133.47 GREY FOREST TX 78023 5 04/01/03 00 0435727896 05 06/01/03 0 1 7362511813 O 05/01/18 0 8611073 X31/G02 F 178,200.00 T 180 177,560.71 1 5.500 1,456.04 80 5.250 1,456.04 PALM SPRINGS CA 92264 1 04/01/03 00 0435734942 01 06/01/03 0 41000825 O 05/01/18 0 8613205 E22/G02 F 160,000.00 ZZ 180 159,119.93 1 5.375 1,296.74 73 5.125 1,296.74 NILES IL 60714 2 04/08/03 00 0416603322 07 06/01/03 0 0416603322 O 05/01/18 0 8613217 E22/G02 F 165,000.00 ZZ 180 164,395.48 1 5.250 1,326.40 31 5.000 1,326.40 SAN FRANCISCO CA 94122 2 03/31/03 00 0416605889 05 06/01/03 0 0416605889 O 05/01/18 0 8613307 E22/G02 F 82,000.00 ZZ 180 81,702.71 1 5.375 664.58 69 5.125 664.58 HAMDEN CT 06514 5 04/14/03 00 0416505170 01 06/01/03 0 0416505170 N 05/01/18 0 8613407 E22/G02 F 200,000.00 ZZ 180 197,602.74 1 5.250 1,607.76 80 5.000 1,607.76 ANNAPOLIS MD 21401 5 04/09/03 00 0416477156 05 06/01/03 0 0416477156 O 05/01/18 0 1 8613487 E22/G02 F 191,250.00 ZZ 180 190,556.62 1 5.375 1,550.02 90 5.125 1,550.02 CADILLAC MI 49601 5 04/08/03 04 0416433910 05 06/01/03 12 0416433910 O 05/01/18 0 8613695 E22/G02 F 80,000.00 ZZ 180 79,687.79 1 5.000 632.63 76 4.750 632.63 SOUTH DAYTONA FL 32119 5 04/09/03 00 0416405926 05 06/01/03 0 0416405926 O 05/01/18 0 8613723 E22/G02 F 302,000.00 ZZ 180 300,905.10 2 5.375 2,447.61 32 5.125 2,447.61 SAN FRANCISCO CA 94118 5 04/01/03 00 0416653053 05 06/01/03 0 0416653053 O 05/01/18 0 8614015 E82/G02 F 108,100.00 ZZ 180 107,708.09 1 5.375 876.11 55 5.125 876.11 HONOLULU HI 96822 2 04/11/03 00 0400802534 06 06/01/03 0 0400802534 O 05/01/18 0 8615277 Y23/G02 F 90,250.00 TX 180 89,929.63 1 5.625 743.42 79 5.375 743.42 ROUND ROCK TX 78664 5 04/10/03 00 0435717194 05 06/01/03 0 1000181328 O 05/01/18 0 8616347 W02/G02 F 144,000.00 ZZ 180 142,985.98 1 5.750 1,195.80 90 5.500 1,195.80 1 LAKELAND FL 33811 5 03/27/03 28 0435761853 05 05/01/03 12 1002184074 O 04/01/18 0 8616665 P59/G02 F 96,000.00 ZZ 180 95,004.74 1 6.000 810.10 80 5.750 810.10 LANCASTER CA 93535 1 02/18/03 00 0435755731 05 04/01/03 0 AT005289 N 03/01/18 0 8617179 R84/G02 F 50,000.00 ZZ 180 49,647.90 1 5.750 415.21 63 5.500 415.21 HOLIDAY FL 34690 5 03/10/03 00 0435758750 05 05/01/03 0 FL385368 N 04/01/18 0 8618837 E22/G02 F 102,600.00 ZZ 180 102,231.92 1 5.500 838.33 90 5.250 838.33 LINCOLN NE 68522 5 04/10/03 04 0416850493 05 06/01/03 12 0416850493 O 05/01/18 0 8618849 E22/G02 F 165,000.00 ZZ 180 164,401.79 1 5.375 1,337.27 70 5.125 1,337.27 HOUSTON TX 77008 5 04/09/03 00 0415921345 05 06/01/03 0 0415921345 O 05/01/18 0 8618927 E22/G02 F 77,500.00 ZZ 180 77,221.97 1 5.500 633.24 46 5.250 633.24 DALLAS TX 75243 5 04/09/03 00 0416466225 05 06/01/03 0 0416466225 O 05/01/18 0 1 8619007 E22/G02 F 283,000.00 ZZ 180 281,963.16 1 5.250 2,274.97 70 5.000 2,274.97 SIMI VALLEY CA 93065 5 04/04/03 00 0416586493 05 06/01/03 0 0416586493 O 05/01/18 0 8619863 E33/G02 F 131,000.00 ZZ 180 131,000.00 1 5.500 1,070.38 63 5.250 1,070.38 LAKE BLUFF IL 60044 5 04/29/03 00 0435832191 05 07/01/03 0 6000093055 O 06/01/18 0 8620251 144/144 F 103,200.00 ZZ 180 102,095.82 1 5.625 850.09 80 5.375 850.09 WEST HURLEY NY 12491 5 02/03/03 00 KRIEGER 05 04/01/03 0 KRIEGER O 03/01/18 0 8620695 W39/G02 F 130,000.00 ZZ 180 129,548.20 1 5.875 1,088.26 64 5.625 1,088.26 DECATUR TX 76234 5 04/11/03 00 0435779020 05 06/01/03 0 PN132254 O 05/01/18 0 8622171 W08/G02 F 18,600.00 ZZ 180 18,537.39 1 6.250 159.48 59 6.000 159.48 MIAMI FL 33161 1 04/07/03 00 0435732466 01 06/01/03 0 032678MG O 05/01/18 0 8622573 A52/G02 F 123,500.00 ZZ 180 123,066.21 1 1 5.750 1,025.56 80 5.500 1,025.56 DECATUR GA 30034 5 04/07/03 00 0435842620 05 06/01/03 0 24486 O 05/01/18 0 8622927 E22/G02 F 139,000.00 ZZ 180 138,490.74 1 5.250 1,117.39 71 5.000 1,117.39 FLETCHER OK 73541 2 04/07/03 00 0416305761 05 06/01/03 0 0416305761 O 05/01/18 0 8623103 E22/G02 F 52,000.00 ZZ 180 51,824.97 1 6.250 445.86 46 6.000 445.86 POOLVILLE TX 76487 5 04/11/03 00 0416529600 05 06/01/03 0 0416529600 O 05/01/18 0 8623169 E22/G02 F 85,600.00 ZZ 180 85,299.34 1 5.750 710.83 80 5.500 710.83 HOUSTON TX 77082 1 04/16/03 00 0416580934 03 06/01/03 0 0416580934 O 05/01/18 0 8624157 E47/G02 F 133,000.00 ZZ 180 132,043.54 1 5.500 1,086.72 69 5.250 1,086.72 GLEN BURNIE MD 21061 2 03/31/03 00 0435715230 05 05/01/03 0 7345510116 O 04/01/18 0 8624351 Q87/G02 F 30,000.00 ZZ 120 29,622.98 1 5.500 325.58 29 5.250 325.58 SARDIS TN 38371 5 04/12/03 00 0435714456 05 05/17/03 0 1 HAEL03 O 04/17/13 0 8624405 286/286 F 175,000.00 ZZ 180 172,896.63 1 5.500 1,429.90 75 5.250 1,429.90 SUGAR LAND TX 77478 5 02/14/03 00 2056512 05 04/01/03 0 2056512 O 03/01/18 0 8624415 286/286 F 322,500.00 ZZ 180 319,156.52 1 6.000 2,721.44 75 5.750 2,721.44 MANCHACA TX 78652 5 02/19/03 00 148880 05 04/01/03 0 148880 O 03/01/18 0 8624427 286/286 F 106,500.00 ZZ 180 104,838.85 1 5.375 863.15 75 5.125 863.15 PALM BEACH GARD FL 33418 5 01/17/03 00 1919985 01 03/01/03 0 1919985 O 02/01/18 0 8624435 286/286 F 128,000.00 ZZ 180 126,169.66 1 5.625 1,054.38 28 5.375 1,054.38 VOORHEES NJ 08043 5 01/24/03 00 1979194 05 03/01/03 0 1979194 O 02/01/18 0 8624455 286/286 F 171,000.00 ZZ 180 168,867.55 1 5.625 1,408.59 75 5.375 1,408.59 ASTORIA OR 97103 5 02/13/03 00 2027423 05 04/01/03 0 2027423 O 03/01/18 0 1 8624481 286/286 F 170,000.00 ZZ 180 168,200.05 1 5.750 1,411.70 32 5.500 1,411.70 PORTLAND OR 97214 5 02/21/03 00 2067093 05 04/01/03 0 2067093 O 03/01/18 0 8624585 286/286 F 141,300.00 ZZ 180 139,819.57 1 5.875 1,182.85 38 5.625 1,182.85 METHUEN MA 01844 5 02/18/03 00 2029085 05 04/01/03 0 2029085 O 03/01/18 0 8624589 286/286 F 500,000.00 ZZ 180 494,537.36 1 5.375 4,052.33 68 5.125 4,052.33 SAN JOSE CA 95120 5 02/19/03 00 2043763 05 04/01/03 0 2043763 O 03/01/18 0 8624603 286/286 F 100,000.00 ZZ 180 98,828.37 1 5.500 817.09 80 5.250 817.09 BEAVER UT 84713 2 02/27/03 00 2075563 05 04/01/03 0 2075563 O 03/01/18 0 8624613 286/286 F 138,169.00 ZZ 180 136,736.55 1 6.000 1,165.95 62 5.750 1,165.95 MISSOURI CITY TX 77459 5 02/19/03 00 1987171 05 04/01/03 0 1987171 O 03/01/18 0 8624619 286/286 F 322,700.00 ZZ 180 318,364.87 1 5.875 2,701.39 75 5.625 2,701.39 1 SAN LEANDRO CA 94579 5 02/24/03 00 2048544 01 04/01/03 0 2048544 O 03/01/18 0 8624631 286/286 F 488,000.00 ZZ 180 482,778.64 1 5.625 4,019.82 46 5.375 4,019.82 WALNUT CREEK CA 94596 2 02/18/03 00 2028140 05 04/01/03 0 2028140 O 03/01/18 0 8624635 286/286 F 337,500.00 ZZ 180 333,963.93 1 5.875 2,825.28 75 5.625 2,825.28 MCKINNEY TX 75069 5 02/07/03 00 1865307 05 04/01/03 0 1865307 O 03/01/18 0 8624639 286/286 F 460,000.00 ZZ 180 453,664.36 1 5.500 3,758.59 80 5.250 3,758.59 SAN MARINO CA 91108 2 02/25/03 00 2011550 05 05/01/03 0 2011550 O 04/01/18 0 8624673 286/286 F 200,000.00 ZZ 180 197,926.51 1 6.000 1,687.72 69 5.750 1,687.72 GLENNVILLE NY 12302 5 02/25/03 00 2024153 05 04/01/03 0 2024153 O 03/01/18 0 8624725 286/286 F 750,000.00 T 180 741,891.06 1 5.500 6,128.13 72 5.250 6,128.13 ST SIMONS ISLAN GA 31522 2 02/25/03 00 2020537 03 04/01/03 0 2020537 O 03/01/18 0 1 8624883 286/286 F 79,000.00 ZZ 180 78,109.62 1 5.000 624.73 27 4.750 624.73 WEST ALEXANDER PA 15376 5 02/24/03 00 2038558 05 04/01/03 0 2038558 O 03/01/18 0 8624891 286/286 F 120,000.00 ZZ 180 118,618.35 1 5.750 996.50 43 5.500 996.50 OAKLEY CA 94561 5 02/10/03 00 2020381 05 04/01/03 0 2020381 O 03/01/18 0 8624929 286/286 F 500,000.00 ZZ 180 496,404.28 1 5.500 4,085.42 63 5.250 4,085.42 LA CANADA FLINT CA 91011 5 02/28/03 00 1927502 05 05/01/03 0 1927502 O 04/01/18 0 8625121 286/286 F 70,100.00 ZZ 180 69,395.98 1 6.375 605.84 67 6.125 605.84 NEWPORT NEWS VA 23602 2 02/20/03 00 1988149 05 04/01/03 0 1988149 N 03/01/18 0 8625127 286/286 F 65,000.00 ZZ 180 63,925.64 1 6.375 561.77 46 6.125 561.77 ALBUQUERQUE NM 87112 2 01/28/03 00 1959129 05 03/01/03 0 1959129 N 02/01/18 0 8625137 286/286 F 245,600.00 ZZ 180 243,846.62 1 1 5.625 2,023.09 80 5.375 2,023.09 BATTLE GROUND WA 98604 5 03/06/03 00 2124736 05 05/01/03 0 2124736 O 04/01/18 0 8625147 286/286 F 250,000.00 ZZ 180 248,081.43 1 5.375 2,026.17 73 5.125 2,026.17 KILAUEA HI 96754 2 03/06/03 00 2043911 05 05/01/03 0 2043911 O 04/01/18 0 8625151 286/286 F 149,900.00 ZZ 180 148,329.44 1 5.875 1,254.85 60 5.625 1,254.85 BOULDER CO 80303 1 02/24/03 00 2006088 01 04/01/03 0 2006088 N 03/01/18 0 8625157 286/286 F 110,250.00 ZZ 180 109,070.37 1 5.625 908.17 75 5.375 908.17 GLENDALE AZ 85302 5 02/18/03 00 2004697 05 04/01/03 0 2004697 O 03/01/18 0 8625165 286/286 F 91,200.00 ZZ 180 90,083.68 1 5.750 757.33 80 5.500 757.33 KNOXVILLE TN 37922 2 02/19/03 00 2027400 05 04/01/03 0 2027400 N 03/01/18 0 8625171 286/286 F 83,500.00 ZZ 180 82,465.20 1 5.750 693.39 65 5.500 693.39 KNOXVILLE TN 37922 2 02/19/03 00 2027405 05 04/01/03 0 1 2027405 N 03/01/18 0 8625177 286/286 F 81,600.00 ZZ 180 80,754.02 1 6.000 688.59 67 5.750 688.59 VIRGINIA BEACH VA 23464 2 02/27/03 00 1975604 05 04/01/03 0 1975604 N 03/01/18 0 8625217 286/286 F 500,000.00 ZZ 180 494,594.05 1 5.500 4,085.42 62 5.250 4,085.42 BETHESDA MD 20817 2 02/21/03 00 2002984 05 04/01/03 0 2002984 N 03/01/18 0 8625251 286/286 F 236,000.00 ZZ 180 234,320.55 1 5.625 1,944.01 80 5.375 1,944.01 LAS VEGAS NV 89117 2 03/05/03 00 2021829 05 05/01/03 0 2021829 O 04/01/18 0 8625255 286/286 F 146,900.00 ZZ 180 145,360.90 1 5.875 1,229.73 45 5.625 1,229.73 DAVIE FL 33325 2 02/24/03 00 2042492 05 04/01/03 0 2042492 O 03/01/18 0 8625269 286/286 F 298,000.00 ZZ 180 294,844.79 1 5.750 2,474.63 78 5.500 2,474.63 COLUMBUS OH 43204 2 02/19/03 00 1870094 05 04/01/03 0 1870094 O 03/01/18 0 1 8625273 286/286 F 338,000.00 ZZ 180 334,458.68 1 5.875 2,829.47 41 5.625 2,829.47 REDWOOD CITY CA 94065 2 02/11/03 00 2004897 05 04/01/03 0 2004897 N 03/01/18 0 8625281 286/286 F 265,000.00 ZZ 180 262,164.65 1 5.625 2,182.89 70 5.375 2,182.89 SAN GABRIEL CA 91775 2 02/17/03 00 2012053 05 04/01/03 0 2012053 O 03/01/18 0 8625303 286/286 F 174,000.00 ZZ 180 172,047.30 1 5.500 1,421.73 37 5.250 1,421.73 SANTA ANA CA 92705 1 02/14/03 00 2034290 05 04/01/03 0 2034290 N 03/01/18 0 8625309 286/286 F 68,000.00 ZZ 180 67,280.02 1 5.750 564.68 41 5.500 564.68 CARLOCK IL 61725 2 02/12/03 00 1952846 05 04/01/03 0 1952846 O 03/01/18 0 8625315 286/286 F 56,250.00 ZZ 180 55,679.01 1 6.250 482.31 72 6.000 482.31 MEDFORD MN 55049 5 02/26/03 00 2020065 05 04/01/03 0 2020065 N 03/01/18 0 8625337 286/286 F 205,500.00 ZZ 180 203,254.85 1 5.375 1,665.51 46 5.125 1,665.51 1 WESTMINSTER CA 92683 2 02/25/03 00 2012220 05 04/01/03 0 2012220 O 03/01/18 0 8625343 286/286 F 185,000.00 ZZ 120 181,573.59 2 5.875 2,042.29 52 5.625 2,042.29 NEW BRUNSWICK NJ 08901 5 02/18/03 00 1856376 05 04/01/03 0 1856376 N 03/01/13 0 8625347 286/286 F 160,000.00 ZZ 120 157,056.34 4 6.000 1,776.33 36 5.750 1,776.33 NEW BRUNSWICK NJ 08901 5 02/18/03 00 1856391 05 04/01/03 0 1856391 N 03/01/13 0 8625351 286/286 F 152,800.00 ZZ 180 151,199.07 1 5.875 1,279.12 57 5.625 1,279.12 FULLERTON CA 92833 2 02/14/03 00 2027262 01 04/01/03 0 2027262 N 03/01/18 0 8625353 286/286 F 248,100.00 ZZ 180 244,942.57 1 5.500 2,027.19 49 5.250 2,027.19 ANAHEIM CA 92808 2 02/14/03 00 2027374 03 04/01/03 0 2027374 O 03/01/18 0 8625357 286/286 F 129,600.00 ZZ 180 128,105.56 1 6.250 1,111.23 80 6.000 1,111.23 MILWAUKEE WI 53221 5 02/18/03 00 1903719 05 04/01/03 0 1903719 O 03/01/18 0 1 8625365 286/286 F 63,000.00 ZZ 180 61,950.96 1 6.500 548.80 75 6.250 548.80 ROCKFORD MS 39341 5 12/27/02 00 1912378 05 02/01/03 0 1912378 N 01/01/18 0 8625371 286/286 F 55,400.00 ZZ 180 54,843.59 1 6.375 478.80 75 6.125 478.80 BELEN NM 87023 5 02/10/03 00 2019384 05 04/01/03 0 2019384 N 03/01/18 0 8625379 286/286 F 86,000.00 ZZ 180 85,079.85 1 5.625 708.41 38 5.375 708.41 PARLIN NJ 08859 2 02/28/03 00 2008407 05 04/01/03 0 2008407 O 03/01/18 0 8625385 286/286 F 150,000.00 ZZ 180 148,493.51 4 6.375 1,296.38 20 6.125 1,296.38 CHICAGO IL 60614 2 02/14/03 00 1975212 05 04/01/03 0 1975212 N 03/01/18 0 8625389 286/286 F 170,000.00 ZZ 180 168,181.08 1 5.625 1,400.35 48 5.375 1,400.35 BROOMALL PA 19008 5 02/19/03 00 1879386 05 04/01/03 0 1879386 O 03/01/18 0 8625401 286/286 F 135,000.00 ZZ 180 133,205.35 1 1 6.000 1,139.21 75 5.750 1,139.21 TROY MI 48083 5 02/26/03 00 2031049 05 04/01/03 0 2031049 O 03/01/18 0 8625409 286/286 F 111,000.00 ZZ 180 109,837.01 1 5.875 929.21 80 5.625 929.21 CROSS PLAINS WI 53528 5 02/19/03 00 2004118 05 04/01/03 0 2004118 O 03/01/18 0 8625417 286/286 F 184,500.00 ZZ 180 182,546.53 1 5.750 1,532.11 68 5.500 1,532.11 HIGHLANDS RANCH CO 80126 2 02/18/03 00 1932302 05 04/01/03 0 1932302 O 03/01/18 0 8625419 286/286 F 176,000.00 ZZ 180 174,156.01 1 5.875 1,473.33 80 5.625 1,473.33 DURHAM NC 27713 5 02/20/03 00 1965245 05 04/01/03 0 1965245 O 03/01/18 0 8625427 286/286 F 207,000.00 ZZ 180 204,761.95 1 5.500 1,691.36 80 5.250 1,691.36 MIRAMAR FL 33027 1 02/19/03 00 2016163 05 04/01/03 0 2016163 O 03/01/18 0 8625431 286/286 F 60,000.00 ZZ 180 59,358.03 1 5.625 494.24 36 5.375 494.24 MERRIMACK NH 03054 5 02/21/03 00 1946896 05 04/01/03 0 1 1946896 O 03/01/18 0 8625435 286/286 F 156,000.00 ZZ 180 154,313.31 1 5.500 1,274.66 67 5.250 1,274.66 SHOREWOOD MN 55331 5 02/19/03 00 2035363 05 04/01/03 0 2035363 O 03/01/18 0 8625439 286/286 F 240,000.00 ZZ 180 237,458.89 1 5.750 1,992.99 80 5.500 1,992.99 MIAMI FL 33178 2 02/20/03 00 2027585 05 04/01/03 0 2027585 O 03/01/18 0 8625441 286/286 F 102,000.00 ZZ 180 100,908.65 2 5.625 840.21 60 5.375 840.21 SAN BERNARDINO CA 92407 5 02/26/03 00 1898461 05 04/01/03 0 1898461 N 03/01/18 0 8625445 286/286 F 270,000.00 ZZ 180 261,530.24 1 5.500 2,206.13 39 5.250 2,206.13 FORT WAYNE IN 46845 5 02/13/03 00 1891116 05 04/01/03 0 1891116 O 03/01/18 0 8625451 286/286 F 53,450.00 ZZ 180 52,889.99 1 5.875 447.44 58 5.625 447.44 BLOOMINGTON IL 61701 2 02/17/03 00 1928932 05 04/01/03 0 1928932 N 03/01/18 0 1 8625461 286/286 F 125,000.00 ZZ 180 123,527.59 1 6.250 1,071.78 78 6.000 1,071.78 CHANDLER AZ 85224 5 02/19/03 00 1984553 05 04/01/03 0 1984553 N 03/01/18 0 8625469 286/286 F 196,000.00 ZZ 180 193,902.89 1 5.625 1,614.52 80 5.375 1,614.52 COTTAGE GROVE OR 97424 5 02/21/03 00 2031708 05 04/01/03 0 2031708 O 03/01/18 0 8625471 286/286 F 270,150.00 ZZ 180 267,349.26 1 6.000 2,279.68 77 5.750 2,279.68 VIRGINIA BEACH VA 23451 2 02/12/03 00 0001241887 05 04/01/03 0 0001241887 O 03/01/18 0 8625477 286/286 F 311,000.00 ZZ 180 307,637.50 2 5.500 2,541.13 55 5.250 2,541.13 WALTHAM MA 02453 2 02/18/03 00 1902372 05 04/01/03 0 1902372 N 03/01/18 0 8625479 286/286 F 55,000.00 ZZ 180 54,374.18 1 5.750 456.73 75 5.500 456.73 CHAMPAIGN IL 61821 5 02/27/03 00 1991814 05 04/01/03 0 1991814 N 03/01/18 0 8625483 286/286 F 84,000.00 ZZ 180 82,890.90 1 5.875 703.18 63 5.625 703.18 1 WINDHAM ME 04062 5 02/26/03 00 1999239 05 04/01/03 0 1999239 O 03/01/18 0 8625487 286/286 F 300,700.00 ZZ 180 297,482.65 1 5.625 2,476.97 42 5.375 2,476.97 SCOTTSDALE AZ 85255 2 02/10/03 00 1484477 05 04/01/03 0 1484477 O 03/01/18 0 8625495 286/286 F 151,500.00 ZZ 180 149,861.96 1 5.500 1,237.89 49 5.250 1,237.89 CHESAPEAKE BEAC MD 20732 2 02/20/03 00 1984204 05 04/01/03 0 1984204 O 03/01/18 0 8625497 286/286 F 60,000.00 ZZ 180 59,364.72 1 5.750 498.25 69 5.500 498.25 GREENSBORO NC 27406 5 02/25/03 00 1967380 05 04/01/03 0 1967380 N 03/01/18 0 8625503 286/286 F 104,000.00 ZZ 180 102,955.48 1 6.375 898.83 80 6.125 898.83 COWETA OK 74429 5 02/25/03 00 2038521 05 04/01/03 0 2038521 O 03/01/18 0 8625505 286/286 F 57,000.00 ZZ 180 56,216.12 1 5.750 473.34 33 5.500 473.34 MACOMB MI 48044 2 02/18/03 00 1989298 01 04/01/03 0 1989298 O 03/01/18 0 1 8625513 286/286 F 97,200.00 ZZ 180 96,108.25 1 5.250 781.37 74 5.000 781.37 CINCINNATI OH 45211 5 02/13/03 00 2020174 05 04/01/03 0 2020174 O 03/01/18 0 8625523 286/286 F 238,000.00 ZZ 180 235,399.78 1 5.375 1,928.91 29 5.125 1,928.91 CUPERTINO CA 95014 2 02/17/03 00 2013971 05 04/01/03 0 2013971 O 03/01/18 0 8625525 286/286 F 204,800.00 ZZ 180 202,631.60 1 5.750 1,700.68 80 5.500 1,700.68 ELLICOTT CITY MD 21043 5 02/28/03 00 2011007 03 04/01/03 0 2011007 O 03/01/18 0 8625531 286/286 F 266,500.00 ZZ 180 263,766.11 2 6.125 2,266.92 51 5.875 2,266.92 SOMERVILLE MA 02144 2 02/27/03 00 1970080 05 04/01/03 0 1970080 N 03/01/18 0 8625535 286/286 F 105,000.00 ZZ 180 104,244.89 1 5.500 857.94 70 5.250 857.94 ALEXANDRIA MN 56308 5 02/28/03 00 1988966 05 05/01/03 0 1988966 O 04/01/18 0 8625539 286/286 F 150,000.00 ZZ 180 148,344.07 1 1 5.250 1,205.82 40 5.000 1,205.82 NEWTON MA 02459 5 02/24/03 00 2014878 05 04/01/03 0 2014878 O 03/01/18 0 8625543 286/286 F 185,000.00 ZZ 180 182,633.62 1 5.375 1,499.37 65 5.125 1,499.37 HYANNIS MA 02601 2 02/11/03 00 1979810 05 04/01/03 0 1979810 O 03/01/18 0 8625547 286/286 F 112,000.00 ZZ 180 110,755.73 2 6.125 952.70 70 5.875 952.70 CLEVELAND HTS OH 44118 5 02/24/03 00 1886421 05 04/01/03 0 1886421 N 03/01/18 0 8625551 286/286 F 120,000.00 ZZ 180 118,641.29 1 5.875 1,004.55 80 5.625 1,004.55 MANTUA OH 44255 5 02/24/03 00 1886423 05 04/01/03 0 1886423 N 03/01/18 0 8625555 286/286 F 56,800.00 ZZ 180 56,198.59 1 5.750 471.68 80 5.500 471.68 URBANA IL 61801 1 02/21/03 00 1991800 05 04/01/03 0 1991800 N 03/01/18 0 8625559 286/286 F 236,000.00 ZZ 180 233,478.23 1 5.875 1,975.60 70 5.625 1,975.60 LIBERTY MO 64068 2 02/13/03 00 2043241 05 04/01/03 0 1 2043241 O 03/01/18 0 8625563 286/286 F 232,000.00 ZZ 180 229,569.28 1 5.875 1,942.12 80 5.625 1,942.12 COPPER CANYON TX 75077 2 02/20/03 00 2000357 05 04/01/03 0 2000357 N 03/01/18 0 8625567 286/286 F 183,500.00 ZZ 180 180,957.09 1 6.000 1,548.48 59 5.750 1,548.48 WOODWARD OK 73801 2 01/22/03 00 1903097 05 03/01/03 0 1903097 O 02/01/18 0 8625569 286/286 F 480,000.00 ZZ 180 474,810.26 1 5.500 3,922.01 52 5.250 3,922.01 SAN MATEO CA 94402 2 02/18/03 00 2007149 05 04/01/03 0 2007149 O 03/01/18 0 8625573 286/286 F 118,500.00 ZZ 180 117,179.91 1 5.625 976.13 77 5.375 976.13 KETTERING OH 45429 2 02/19/03 00 1996494 05 04/01/03 0 1996494 O 03/01/18 0 8625579 286/286 F 145,600.00 ZZ 180 144,058.40 1 5.750 1,209.08 80 5.500 1,209.08 DREXEL HILL PA 19026 5 02/14/03 00 2023252 05 04/01/03 0 2023252 O 03/01/18 0 1 8625583 286/286 F 238,500.00 ZZ 180 235,571.90 1 5.750 1,980.53 77 5.500 1,980.53 ROCKFORD IL 61114 2 02/14/03 00 1987759 05 04/01/03 0 1987759 O 03/01/18 0 8625587 286/286 F 77,000.00 ZZ 180 76,176.13 1 5.625 634.28 43 5.375 634.28 FORT COLLINS CO 80521 2 02/26/03 00 1982295 05 04/01/03 0 1982295 N 03/01/18 0 8625591 286/286 F 78,000.00 ZZ 180 77,174.15 2 5.750 647.72 65 5.500 647.72 GREENFIELD MA 01301 5 02/19/03 00 1949567 05 04/01/03 0 1949567 N 03/01/18 0 8625599 286/286 F 300,000.00 ZZ 180 296,653.51 1 5.375 2,431.40 60 5.125 2,431.40 HUNTINGTON BEAC CA 92646 5 02/17/03 00 2011997 05 04/01/03 0 2011997 O 03/01/18 0 8625605 286/286 F 75,000.00 ZZ 180 74,205.90 1 5.750 622.81 65 5.500 622.81 FORT LAUDERDALE FL 33319 2 02/12/03 00 2007308 01 04/01/03 0 2007308 O 03/01/18 0 8625611 286/286 F 91,000.00 T 180 89,735.04 1 5.750 755.68 33 5.500 755.68 1 STEAMBOAT SPRIN CO 80477 2 02/24/03 00 1947071 01 04/01/03 0 1947071 O 03/01/18 0 8625619 286/286 F 30,000.00 ZZ 180 29,467.48 1 5.250 241.17 16 5.000 241.17 PORTLAND OR 97236 1 02/12/03 00 1934630 05 04/01/03 0 1934630 O 03/01/18 0 8625623 286/286 F 60,915.00 ZZ 180 60,296.69 1 6.250 522.30 90 6.000 522.30 HOLLYWOOD FL 33023 1 02/19/03 10 1951644 01 04/01/03 35 1951644 O 03/01/18 0 8625627 286/286 F 295,000.00 ZZ 180 291,876.58 1 5.750 2,449.71 65 5.500 2,449.71 GLEN COVE NY 11542 5 02/19/03 00 1886739 05 04/01/03 0 1886739 O 03/01/18 0 8625631 286/286 F 240,000.00 ZZ 180 237,056.98 1 5.750 1,992.99 80 5.500 1,992.99 MIAMI FL 33165 2 02/20/03 00 2025342 05 04/01/03 0 2025342 O 03/01/18 0 8625639 286/286 F 329,000.00 ZZ 180 325,442.87 1 5.500 2,688.21 84 5.250 2,688.21 SANTA ROSA CA 95404 2 02/14/03 10 1991855 05 04/01/03 12 1991855 O 03/01/18 0 1 8625647 286/286 F 95,000.00 ZZ 180 93,994.15 1 5.750 788.89 68 5.500 788.89 FLOWER MOUND TX 75028 2 02/07/03 00 1766461 05 04/01/03 0 1766461 N 03/01/18 0 8625649 286/286 F 213,000.00 ZZ 180 210,860.78 4 6.375 1,840.86 37 6.125 1,840.86 WATSONVILLE CA 95076 2 02/12/03 00 1971641 05 04/01/03 0 1971641 N 03/01/18 0 8625653 286/286 F 109,000.00 ZZ 180 107,916.24 1 6.500 949.51 90 6.250 949.51 BIRDSBORO PA 19508 2 02/14/03 21 1966979 05 04/01/03 25 1966979 O 03/01/18 0 8625659 286/286 F 138,400.00 ZZ 180 136,473.19 1 5.375 1,121.69 80 5.125 1,121.69 AUSTIN TX 78749 1 02/28/03 00 2020043 05 04/01/03 0 2020043 N 03/01/18 0 8625661 286/286 F 250,000.00 ZZ 180 247,353.02 1 5.750 2,076.03 44 5.500 2,076.03 YORBA LINDA CA 92887 5 02/17/03 00 2020690 05 04/01/03 0 2020690 O 03/01/18 0 8625665 286/286 F 180,000.00 ZZ 180 178,133.86 1 1 6.000 1,518.95 25 5.750 1,518.95 SAN FRANCISCO CA 94122 2 02/11/03 00 1919230 05 04/01/03 0 1919230 N 03/01/18 0 8625671 286/286 F 470,000.00 ZZ 180 464,362.89 1 5.375 3,809.19 40 5.125 3,809.19 DANVILLE CA 94526 2 02/14/03 00 2023584 05 04/01/03 0 2023584 O 03/01/18 0 8625675 286/286 F 102,000.00 ZZ 180 100,920.03 1 5.750 847.02 53 5.500 847.02 WHITE BEAR LAKE MN 55110 2 02/26/03 00 2024316 05 04/01/03 0 2024316 O 03/01/18 0 8626831 E22/G02 F 98,400.00 T 180 98,046.99 1 5.500 804.01 79 5.250 804.01 SEVIERVILLE TN 37876 2 04/17/03 00 0416220838 03 06/01/03 0 0416220838 O 05/01/18 0 8626841 E22/G02 F 60,000.00 ZZ 180 59,795.88 2 6.125 510.37 62 5.875 510.37 WEST PALM BEACH FL 33407 5 04/17/03 00 0416252995 05 06/01/03 0 0416252997 N 05/01/18 0 8626903 E22/G02 F 146,250.00 ZZ 180 145,725.33 1 5.500 1,194.98 75 5.250 1,194.98 CENTER TX 75935 5 04/10/03 00 0416461531 05 06/01/03 0 1 0416461531 O 05/01/18 0 8626989 E22/G02 F 145,000.00 ZZ 180 144,468.76 1 5.250 1,165.62 25 5.000 1,165.62 SAN FRANCISCO CA 94122 2 04/08/03 00 0416637742 05 06/01/03 0 0416637742 O 05/01/18 0 8627951 G34/G02 F 104,000.00 TX 180 103,622.95 1 5.375 842.88 79 5.125 842.88 MESQUITE TX 75149 5 04/04/03 00 0435741558 05 06/01/03 0 47000364 O 05/01/18 0 8628219 M27/G02 F 125,000.00 ZZ 180 124,546.82 1 5.375 1,013.08 32 5.125 1,013.08 HUNTERSVILLE NC 28078 2 04/09/03 00 0435801766 03 06/01/03 0 0100078048 O 05/01/18 0 8628331 X31/G02 F 201,500.00 ZZ 180 200,769.46 1 5.375 1,633.09 72 5.125 1,633.09 ALTADENA CA 91001 2 04/14/03 00 0435723283 05 06/01/03 0 80000862 O 05/01/18 0 8629437 X31/G02 F 152,700.00 ZZ 180 151,590.30 1 5.375 1,237.58 55 5.125 1,237.58 SANTA ANA CA 92707 2 03/11/03 00 0435723267 05 05/01/03 0 41000604 O 04/01/18 0 1 8629691 E22/G02 F 137,000.00 ZZ 180 136,508.52 1 5.500 1,119.40 50 5.250 1,119.40 SANTA ANA CA 92707 2 04/12/03 00 0416565711 05 06/01/03 0 0416565711 O 05/01/18 0 8629693 E22/G02 F 139,000.00 ZZ 180 138,495.00 1 5.350 1,124.71 62 5.100 1,124.71 ADDISON TX 75001 2 04/14/03 00 0416634673 05 06/01/03 0 0416634673 O 05/01/18 0 8629721 E22/G02 F 140,000.00 ZZ 180 139,481.67 1 5.125 1,116.25 94 4.875 1,116.25 GREAT FALLS MT 59405 2 04/14/03 01 0416651545 05 06/01/03 25 0416651545 O 05/01/18 0 8629741 E22/G02 F 126,000.00 ZZ 180 125,547.97 1 5.500 1,029.53 70 5.250 1,029.53 MERIDEN CT 06450 5 04/14/03 00 0416585602 05 06/01/03 0 0416585602 O 05/01/18 0 8629761 E22/G02 F 82,000.00 ZZ 180 81,715.02 1 5.875 686.44 72 5.625 686.44 KANSAS CITY MO 64030 2 04/18/03 00 0416618718 05 06/01/03 0 0416618718 N 05/01/18 0 8629765 E22/G02 F 119,950.00 ZZ 180 119,533.14 2 5.875 1,004.12 73 5.625 1,004.12 1 KANSAS CITY MO 64151 2 04/18/03 00 0416621191 05 06/01/03 0 0416621191 N 05/01/18 0 8629785 E22/G02 F 58,700.00 ZZ 180 58,291.63 1 5.625 483.53 62 5.375 483.53 LOUISVILLE KY 40220 2 04/14/03 00 0416669935 01 06/01/03 0 0416669935 O 05/01/18 0 8629801 E22/G02 F 155,000.00 ZZ 180 154,443.94 1 5.500 1,266.48 69 5.250 1,266.48 WEST ORANGE NJ 07052 5 04/14/03 00 0416690501 05 06/01/03 0 0416690501 O 05/01/18 0 8629853 E22/G02 F 52,700.00 ZZ 180 52,700.00 1 5.875 441.16 40 5.625 441.16 BOYNTON BEACH FL 33437 2 05/12/03 00 0416437945 09 07/01/03 0 0416437945 N 06/01/18 0 8629991 E22/G02 F 64,000.00 ZZ 180 63,775.21 1 5.750 531.46 80 5.500 531.46 CONRAD MT 59425 5 04/10/03 00 0416283943 05 06/01/03 0 0416283943 O 05/01/18 0 8630005 E22/G02 F 118,000.00 ZZ 180 117,576.67 1 5.500 964.16 59 5.250 964.16 SOUTH BERWICK ME 03908 5 04/14/03 00 0416128056 05 06/01/03 0 0416128056 O 05/01/18 0 1 8630137 K60/G02 F 70,000.00 TX 180 69,544.30 1 5.625 576.61 40 5.375 576.61 BUNA TX 77612 5 06/01/03 00 0435728548 05 06/01/03 0 76300 O 05/01/18 0 8630395 N74/G02 F 319,750.00 ZZ 180 317,377.28 1 5.125 2,549.43 59 4.875 2,549.43 ALEXANDRIA VA 22306 2 04/10/03 00 0435724174 05 05/15/03 0 0032166010 O 04/15/18 0 8630405 N74/G02 F 120,000.00 ZZ 180 119,137.03 1 5.500 980.50 71 5.250 980.50 CENTREVILLE VA 20120 5 04/10/03 00 0435723879 07 05/15/03 0 0032170010 O 04/15/18 0 8630455 U05/G02 F 240,800.00 ZZ 180 239,139.84 1 6.000 2,032.01 80 5.750 2,032.01 MISSION HILLS CA 91345 2 03/25/03 00 0435758669 05 05/01/03 0 3298709 O 04/01/18 0 8630865 737/G02 F 248,500.00 ZZ 120 246,931.56 1 5.375 2,681.51 63 5.125 2,681.51 GLENDALE AZ 85306 2 04/03/03 00 0435782982 05 06/01/03 0 6001946 O 05/01/13 0 8630867 737/G02 F 51,500.00 ZZ 120 51,183.61 1 1 5.875 568.53 55 5.625 568.53 PHOENIX AZ 85033 2 04/04/03 00 0435715354 05 06/01/03 0 6005117 N 05/01/13 0 8630949 N47/G02 F 268,000.00 ZZ 180 267,038.55 1 5.500 2,189.78 65 5.250 2,189.78 SAN FRANCISCO CA 94122 5 04/09/03 00 0435743315 05 06/01/03 0 30503723 O 05/01/18 0 8630991 737/G02 F 53,000.00 ZZ 120 52,674.39 1 5.875 585.09 59 5.625 585.09 PHOENIX AZ 85033 5 04/04/03 00 0435721113 05 06/01/03 0 6005115 N 05/01/13 0 8631119 N74/G02 F 154,500.00 ZZ 180 153,365.42 1 5.250 1,241.99 62 5.000 1,241.99 CONCORD VA 24538 2 04/15/03 00 0435724299 05 05/21/03 0 0032195010 O 04/21/18 0 8631301 737/G02 F 68,000.00 ZZ 120 67,582.24 1 5.875 750.68 72 5.625 750.68 PHOENIX AZ 85032 5 04/04/03 00 0435702592 05 06/01/03 0 6004986 N 05/01/13 0 8631437 R26/G02 F 91,360.00 ZZ 180 90,788.25 1 5.625 752.56 80 5.375 752.56 VERNAL UT 84078 5 04/10/03 00 0435745237 05 06/01/03 0 1 00020230000 O 05/01/18 0 8631579 N74/G02 F 65,000.00 ZZ 180 64,551.86 1 6.000 548.51 71 5.750 548.51 WAYNESBORO VA 22980 5 04/14/03 00 0435727821 05 05/21/03 0 0032181010 O 04/21/18 0 8632371 X71/G02 F 270,000.00 ZZ 180 269,021.12 1 5.375 2,188.26 50 5.125 2,188.26 FRAMINGHAM MA 01701 5 04/14/03 00 0435725361 05 06/01/03 0 7944593 O 05/01/18 0 8632395 E22/G02 F 219,150.00 ZZ 180 218,363.80 1 5.500 1,790.64 79 5.250 1,790.64 AUSTIN TX 78704 5 04/16/03 00 0416357309 05 06/01/03 0 0416357309 O 05/01/18 0 8632427 E22/G02 F 45,000.00 ZZ 180 44,841.95 1 5.750 373.68 57 5.500 373.68 GREAT FALLS MT 59405 5 04/10/03 00 0416677755 05 06/01/03 0 0416677755 O 05/01/18 0 8632519 E22/G02 F 45,900.00 ZZ 180 45,743.84 1 6.125 390.44 90 5.875 390.44 HOPE MILLS NC 28348 5 04/15/03 04 0416584597 05 06/01/03 12 0416584597 O 05/01/18 0 1 8632543 E22/G02 F 202,000.00 ZZ 180 201,259.92 1 5.250 1,623.83 49 5.000 1,623.83 BAYSIDE CA 95524 2 04/13/03 00 0416599330 05 06/01/03 0 0416599330 N 05/01/18 0 8632657 E22/G02 F 217,200.00 ZZ 180 216,428.98 1 5.625 1,789.15 76 5.375 1,789.15 AUSTIN TX 78759 5 04/11/03 00 0416623130 05 06/01/03 0 0416623130 O 05/01/18 0 8632725 E22/G02 F 50,000.00 ZZ 120 49,684.42 1 5.375 539.54 66 5.125 539.54 YUKON OK 73099 5 04/16/03 00 0416708766 05 06/01/03 0 0416708766 O 05/01/13 0 8633301 N74/G02 F 38,000.00 ZZ 180 37,862.23 1 5.375 307.98 43 5.125 307.98 WILKESBORO NC 28697 5 04/16/03 00 0435742218 05 06/01/03 0 0032186010 O 05/01/18 0 8633453 G34/G02 F 181,400.00 ZZ 180 180,742.34 1 5.375 1,470.18 73 5.125 1,470.18 HARLINGEN TX 78552 2 04/10/03 00 0435721592 05 06/01/03 0 47000723 O 05/01/18 0 8633591 H49/G02 F 212,000.00 ZZ 180 211,206.85 4 5.000 1,676.48 80 4.750 1,676.48 1 CROWN POINT IN 46307 1 04/15/03 00 0435772975 05 06/01/03 0 374254 N 05/01/18 0 8633627 Q87/G02 F 121,000.00 TX 180 119,248.49 1 5.625 996.72 69 5.375 996.72 AUSTIN TX 78719 5 04/07/03 00 0435742606 05 05/11/03 0 NAMA01 O 04/11/18 0 8633937 E47/G02 F 107,000.00 ZZ 180 106,616.14 1 5.500 874.28 72 5.250 874.28 FRESNO CA 93722 5 04/08/03 00 0435716238 05 06/01/03 0 7333013237 O 05/01/18 0 8634031 W40/G02 F 200,000.00 ZZ 180 199,251.74 1 5.000 1,581.59 54 4.750 1,581.59 GRAND RAPIDS MI 49546 5 04/17/03 00 0435724497 03 06/01/03 0 102018521 O 05/01/18 0 8634067 N74/G02 F 99,300.00 ZZ 180 98,563.13 1 5.125 791.74 58 4.875 791.74 HERNDON VA 20170 5 04/16/03 00 0435741608 05 05/22/03 0 0032192010 O 04/22/18 0 8635171 E22/G02 F 217,500.00 ZZ 180 216,736.05 1 5.750 1,806.14 72 5.500 1,806.14 PARLIN NJ 08859 2 04/17/03 00 0416474567 05 06/01/03 0 0416474567 O 05/01/18 0 1 8635197 E22/G02 F 98,000.00 ZZ 180 97,640.95 1 5.250 787.80 73 5.000 787.80 TULSA OK 74104 5 04/17/03 00 0416519437 05 06/01/03 0 0416519437 O 05/01/18 0 8635259 E22/G02 F 85,000.00 T 180 84,691.83 1 5.375 688.90 54 5.125 688.90 PORT ISABEL TX 78578 2 04/22/03 00 0416662948 03 06/01/03 0 0416662948 O 05/01/18 0 8635351 E22/G02 F 232,000.00 ZZ 180 231,158.89 1 5.375 1,880.28 80 5.125 1,880.28 BALDWIN MD 21013 5 04/16/03 00 0416758951 05 06/01/03 0 0416758951 O 05/01/18 0 8635359 E22/G02 F 95,000.00 ZZ 180 94,669.84 1 5.875 795.26 100 5.625 795.26 HUNTSVILLE AL 35810 2 04/17/03 04 0416775880 05 06/01/03 35 0416775880 O 05/01/18 0 8635361 E22/G02 F 100,000.00 ZZ 180 99,637.45 1 5.375 810.47 63 5.125 810.47 CLAWSON MI 48017 2 04/17/03 00 0416776326 05 06/01/03 0 0416776326 O 05/01/18 0 8635385 E22/G02 F 170,000.00 ZZ 180 169,383.67 1 1 5.375 1,377.79 60 5.125 1,377.79 BERTHOUD CO 80513 5 04/17/03 00 0416797009 05 06/01/03 0 0416797009 O 05/01/18 0 8635393 E22/G02 F 98,700.00 ZZ 180 98,338.38 1 5.250 793.43 74 5.000 793.43 MARION OH 43302 2 02/17/03 00 0416801157 05 06/01/03 0 0416801157 O 05/01/18 0 8636013 Q14/G02 F 120,000.00 ZZ 180 119,078.74 1 5.375 972.56 80 5.125 972.56 OAK GROVE MO 64075 5 03/21/03 00 0435737820 05 05/01/03 0 0000311815 O 04/01/18 0 8636017 K15/G02 F 155,500.00 ZZ 180 154,936.24 1 5.375 1,260.27 85 5.125 1,260.27 RIGA MI 49276 2 04/11/03 26 0435722673 05 06/01/03 6 035005513907 O 05/01/18 0 8636051 N47/G02 F 150,000.00 ZZ 180 149,478.69 1 5.875 1,255.68 29 5.625 1,255.68 PLEASANTON CA 94566 5 04/11/03 00 0435785159 05 06/01/03 0 20502380 O 05/01/18 0 8636059 742/G02 F 232,000.00 ZZ 180 231,185.12 2 5.750 1,926.55 80 5.500 1,926.55 COLD SPRING NY 10516 1 04/18/03 00 0435725544 05 06/01/03 0 1 6542138 N 05/01/18 0 8636071 N47/G02 F 200,000.00 ZZ 180 195,509.30 1 5.375 1,620.93 42 5.125 1,620.93 LA MIRADA CA 90638 2 04/15/03 00 0435741806 03 06/01/03 0 30503384 O 05/01/18 0 8636173 E47/G02 F 130,000.00 ZZ 180 129,543.39 1 5.750 1,079.53 54 5.500 1,079.53 SOUTH GATE CA 90280 5 04/04/03 00 0435721055 05 06/01/03 0 7331015127 O 05/01/18 0 8637327 X64/G02 F 53,000.00 ZZ 180 52,813.84 1 5.750 440.12 78 5.500 440.12 DETROIT MI 48219 2 04/18/03 00 0435776067 05 06/01/03 0 0000006756 N 05/01/18 0 8637659 E22/G02 F 154,000.00 ZZ 180 153,447.52 1 5.500 1,258.31 62 5.250 1,258.31 BRECKSVILLE OH 44141 5 04/18/03 00 0416725331 05 06/01/03 0 0416725331 O 05/01/18 0 8637687 E22/G02 F 250,000.00 ZZ 180 249,074.41 1 5.125 1,993.30 74 4.875 1,993.30 MURRAY UT 84107 2 04/16/03 00 0416767028 05 06/01/03 0 0416767028 O 05/01/18 0 1 8637717 E22/G02 F 505,000.00 T 180 503,188.31 1 5.500 4,126.27 62 5.250 4,126.27 LAKE ARROWHEAD CA 92532 2 04/10/03 00 0416310803 03 06/01/03 0 0416310803 O 05/01/18 0 8637733 E22/G02 F 53,500.00 ZZ 180 53,308.07 1 5.500 437.14 36 5.250 437.14 DRAKE CO 80515 5 04/23/03 00 0416347102 05 06/01/03 0 0416347102 N 05/01/18 0 8637783 E22/G02 F 91,000.00 ZZ 180 90,693.71 1 6.250 780.25 94 6.000 780.25 POCATELLO ID 83201 5 04/18/03 01 0416479301 05 06/01/03 30 0416479301 O 05/01/18 0 8637807 E22/G02 F 328,000.00 ZZ 180 326,835.66 2 5.625 2,701.84 80 5.375 2,701.84 CHICAGO IL 60645 5 04/18/03 00 0416511111 05 06/01/03 0 0416511111 O 05/01/18 0 8637815 E22/G02 F 102,000.00 ZZ 180 101,530.21 1 5.375 826.67 46 5.125 826.67 AUBURN NH 03032 2 04/18/03 00 0416518686 05 06/01/03 0 0416518686 O 05/01/18 0 8637827 E22/G02 F 272,000.00 ZZ 180 271,013.86 1 5.375 2,204.47 48 5.125 2,204.47 1 PORTGAGE MI 49024 2 04/18/03 00 0416537918 05 06/01/03 0 0416537918 O 05/01/18 0 8637889 E22/G02 F 282,400.00 ZZ 180 281,397.53 1 5.625 2,326.22 63 5.375 2,326.22 HOUSTON TX 77056 2 04/23/03 00 0416648897 03 06/01/03 0 0416648897 N 05/01/18 0 8637943 E22/G02 F 193,000.00 ZZ 180 192,314.89 1 5.625 1,589.80 71 5.375 1,589.80 TROY MI 48083 2 04/19/03 00 0416698009 05 06/01/03 0 0416698009 O 05/01/18 0 8637977 E22/G02 F 82,500.00 ZZ 180 82,204.03 1 5.500 674.09 48 5.250 674.09 SACRAMENTO CA 95815 2 04/11/03 00 0416804359 05 06/01/03 0 0416804359 N 05/01/18 0 8638045 E82/G02 F 119,600.00 ZZ 180 119,166.39 1 5.375 969.32 74 5.125 969.32 MELBOURNE BEACH FL 32951 2 04/18/03 00 0400813085 03 06/01/03 0 0400813085 O 05/01/18 0 8638089 E82/G02 F 123,700.00 ZZ 180 123,260.88 1 5.625 1,018.96 61 5.375 1,018.96 TOMBALL TX 77375 2 04/21/03 00 0400794418 03 06/01/03 0 0400794418 O 05/01/18 0 1 8638311 N34/G02 F 300,000.00 ZZ 180 300,000.00 1 5.375 2,431.40 71 5.125 2,431.40 LINCOLNWOOD IL 60712 5 05/06/03 00 0435855960 05 07/01/03 0 0703749 O 06/01/18 0 8638331 S25/G02 F 58,900.00 ZZ 180 58,476.90 1 5.750 489.11 95 5.500 489.11 NORTH CHARLESTO SC 29406 5 04/08/03 11 0435729322 05 05/14/03 18 2473548370 O 04/14/18 0 8638537 A35/G02 F 130,000.00 ZZ 180 129,562.43 1 6.250 1,114.65 75 6.000 1,114.65 JAMAICA NY 11435 5 04/11/03 00 0435727631 05 06/01/03 0 HV14922 O 05/01/18 0 8638561 A06/G02 F 115,200.00 ZZ 180 114,782.34 1 5.375 933.66 79 5.125 933.66 ALLEN PARK MI 48101 2 04/15/03 00 0435737713 05 06/01/03 0 1 O 05/01/18 0 8638835 624/G02 F 218,000.00 ZZ 180 217,209.65 1 5.375 1,766.81 42 5.125 1,766.81 SAN JOSE CA 95133 2 04/15/03 00 0435725619 05 06/01/03 0 1000030151 O 05/01/18 0 8638907 W02/G02 F 53,750.00 ZZ 180 53,557.16 1 1 5.500 439.19 62 5.250 439.19 COCOA FL 32927 5 04/16/03 00 0435779236 05 06/01/03 0 1 O 05/01/18 0 8638931 K15/G02 F 126,000.00 ZZ 180 125,571.34 1 6.125 1,071.79 90 5.875 1,071.79 COLORADO SPRING CO 80909 5 04/03/03 26 0435723739 05 06/01/03 12 021805508426 O 05/01/18 0 8639011 E47/G02 F 87,400.00 ZZ 180 87,079.79 1 5.250 702.59 24 5.000 702.59 DEARBORN MI 48128 2 04/15/03 00 0435732706 05 06/01/03 0 7360515604 O 05/01/18 0 8639319 N74/G02 F 97,850.00 ZZ 180 97,168.21 1 5.875 819.12 95 5.625 819.12 STUARTS DRAFT VA 24477 5 04/17/03 01 0435761432 05 05/23/03 30 0032224010 O 04/23/18 0 8639337 U05/G02 F 405,000.00 ZZ 180 403,577.47 1 5.750 3,363.16 34 5.500 3,363.16 MILL VALLEY CA 94941 5 04/03/03 00 0435797873 05 06/01/03 0 3330057 O 05/01/18 0 8639421 Y23/G02 F 116,700.00 ZZ 180 116,281.33 1 5.500 953.54 42 5.250 953.54 WESTON FL 33326 5 04/21/03 00 0435754064 03 06/01/03 0 1 1000122843 O 05/01/18 0 8640079 642/G02 F 81,000.00 ZZ 180 80,706.33 1 5.375 656.48 58 5.125 656.48 LAKESIDE AZ 85929 5 04/11/03 00 0435721311 05 06/01/03 0 04190803 O 05/01/18 0 8640439 U05/G02 F 53,600.00 TX 180 53,417.65 1 6.125 455.93 80 5.875 455.93 HOUSTON TX 77053 5 04/15/03 00 0435735295 05 06/01/03 0 3335136 O 05/01/18 0 8640645 N74/G02 F 66,500.00 ZZ 180 65,966.52 1 5.500 543.36 70 5.250 543.36 DANVILLE VA 24541 5 04/17/03 00 0435756945 05 05/23/03 0 0032211010 O 04/23/18 0 8640715 W02/G02 F 46,000.00 ZZ 180 45,834.97 1 5.500 375.86 66 5.250 375.86 WINTER GARDEN FL 34787 5 04/07/03 00 0435772199 05 06/01/03 0 1002254744 O 05/01/18 0 8640871 Q31/G02 F 500,000.00 ZZ 180 498,168.11 1 5.250 4,019.39 69 5.000 4,019.39 SAN DIEGO CA 92131 5 04/15/03 00 0435723523 03 06/01/03 0 HS892300 O 05/01/18 0 1 8640899 N74/G02 F 52,500.00 ZZ 180 52,309.67 1 5.375 425.49 70 5.125 425.49 COLUMBIA NC 27925 2 04/18/03 00 0435738158 05 06/01/03 0 0032229010 O 05/01/18 0 8640905 N74/G02 F 46,000.00 ZZ 180 45,840.14 1 5.875 385.07 57 5.625 385.07 NORFOLK VA 23503 5 04/18/03 00 0435775044 05 06/01/03 0 0032228010 N 05/01/18 0 8641867 E82/G02 F 199,900.00 ZZ 180 198,116.21 1 5.500 1,633.35 38 5.250 1,633.35 SAN JOSE CA 95135 2 04/19/03 00 0400799177 05 06/01/03 0 0400799177 O 05/01/18 0 8641911 E82/G02 F 69,500.00 ZZ 180 69,250.67 1 5.500 567.87 87 5.250 567.87 SALT LAKE CITY UT 84121 2 04/23/03 04 0400801098 01 06/01/03 12 0400801098 O 05/01/18 0 8641923 E82/G02 F 50,200.00 ZZ 180 49,432.94 1 6.125 427.01 60 5.875 427.01 HEWITT TX 76643 2 04/28/03 00 0400817276 05 06/01/03 0 0400817276 N 05/01/18 0 8641939 E82/G02 F 64,700.00 ZZ 180 64,472.74 2 5.750 537.28 44 5.500 537.28 1 GREELEY CO 80631 2 04/22/03 00 0400823894 05 06/01/03 0 0400823894 N 05/01/18 0 8641941 E82/G02 F 69,000.00 ZZ 180 68,477.89 1 5.625 568.37 44 5.375 568.37 THE WOODLANDS TX 77382 2 04/21/03 00 0400775177 03 06/01/03 0 0400775177 O 05/01/18 0 8641963 E82/G02 F 87,100.00 ZZ 180 86,797.30 4 5.875 729.13 71 5.625 729.13 BRIDGETON MO 63044 2 04/25/03 00 0400813895 05 06/01/03 0 0400813895 N 05/01/18 0 8641983 E82/G02 F 87,350.00 ZZ 180 87,046.43 1 5.875 731.22 34 5.625 731.22 CHAPPAQUA NY 10514 2 04/22/03 00 0400793477 01 06/01/03 0 0400793477 O 05/01/18 0 8642367 601/G02 F 525,000.00 ZZ 180 523,155.98 1 5.750 4,359.65 73 5.500 4,359.65 ST LOUIS MO 63130 2 04/01/03 00 0435732656 03 06/01/03 0 80940323 O 05/01/18 0 8642417 E22/G02 F 140,200.00 ZZ 180 139,707.56 4 5.750 1,164.23 65 5.500 1,164.23 HELENA MT 59601 2 04/10/03 00 0416163749 05 06/01/03 0 0416163749 O 05/01/18 0 1 8642451 E22/G02 F 32,500.00 ZZ 180 32,389.44 1 6.125 276.45 70 5.875 276.45 BALTIMORE MD 21218 2 04/24/03 00 0416555373 07 06/01/03 0 0416555373 N 05/01/18 0 8642467 E22/G02 F 260,000.00 ZZ 180 259,047.42 1 5.250 2,090.08 47 5.000 2,090.08 SAN FRANCISCO CA 94122 2 04/17/03 00 0416591352 07 06/01/03 0 0416591352 O 05/01/18 0 8642487 E22/G02 F 217,000.00 ZZ 180 216,221.51 2 5.500 1,773.07 49 5.250 1,773.07 BENICIA CA 94510 2 04/15/03 00 0416627156 05 06/01/03 0 0416627156 N 05/01/18 0 8642755 X64/G02 F 87,500.00 ZZ 120 86,951.44 1 5.500 949.60 48 5.250 949.60 STERLING HEIGHT MI 48310 2 04/17/03 00 0435889647 05 06/01/03 0 0000007145 N 05/01/13 0 8643375 X64/G02 F 50,500.00 ZZ 180 50,322.62 1 5.750 419.36 78 5.500 419.36 DETROIT MI 48235 2 04/18/03 00 0435838149 05 06/01/03 0 0000006700 N 05/01/18 0 8643499 F64/G02 F 90,000.00 ZZ 180 89,690.27 1 1 5.990 758.98 36 5.740 758.98 HOLLYWOOD FL 33021 2 04/02/03 00 0435743190 05 06/01/03 0 00005326 O 05/01/18 0 8644145 K15/G02 F 249,000.00 ZZ 180 248,125.41 1 5.750 2,067.72 85 5.500 2,067.72 BORDENTOWN TWP NJ 08505 5 04/10/03 26 0435724281 05 06/01/03 6 030805514102 O 05/01/18 0 8644211 P09/G02 F 125,000.00 ZZ 180 124,532.34 1 5.000 988.49 46 4.750 988.49 STAFFORD VA 22554 2 04/16/03 00 0435727193 05 06/01/03 0 ROEDER O 05/01/18 0 8644321 K15/G02 F 67,000.00 ZZ 180 66,722.50 1 6.000 565.38 95 5.750 565.38 ERATH LA 70533 5 04/21/03 26 0435724992 05 06/01/03 25 000205514548 O 05/01/18 0 8644807 K15/G02 F 94,500.00 ZZ 180 94,164.54 1 5.625 778.43 60 5.375 778.43 BERWICK ME 03901 2 04/18/03 00 0435727698 05 06/01/03 0 007105514684 O 05/01/18 0 8645069 K15/G02 F 131,100.00 ZZ 180 130,624.70 1 5.375 1,062.52 44 5.125 1,062.52 DURHAM NH 03824 5 04/03/03 00 0435724703 05 06/01/03 0 1 007605512899 O 05/01/18 0 8645111 P09/G02 F 206,000.00 ZZ 180 205,245.26 1 5.250 1,655.99 80 5.000 1,655.99 ACCOKEEK MD 20607 2 04/17/03 00 0435727649 05 06/01/03 0 WILLIAMSTOYLA O 05/01/18 0 8645315 H81/G02 F 230,000.00 ZZ 180 229,217.52 4 6.125 1,956.44 45 5.875 1,956.44 CHICAGO IL 60618 5 04/18/03 00 0435735279 05 06/01/03 0 WH18592 O 05/01/18 0 8645333 T23/G02 F 108,500.00 ZZ 180 108,102.48 1 5.250 872.21 80 5.000 872.21 UPPER SANDUSKY OH 43351 5 04/24/03 00 0435736269 05 06/01/03 0 6328 O 05/01/18 0 8645357 W35/G02 F 93,750.00 ZZ 120 92,568.66 1 5.450 1,015.11 77 5.200 1,015.11 TALLAHASSEE FL 32303 5 04/18/03 00 0435732409 05 05/23/03 0 18415 O 04/23/13 0 8645587 624/G02 F 240,000.00 ZZ 180 239,174.74 1 6.000 2,025.26 75 5.750 2,025.26 GARDEN GROVE CA 92840 5 04/11/03 00 0435733977 05 06/01/03 0 1000028570 O 05/01/18 0 1 8645731 A52/G02 F 146,000.00 ZZ 180 145,381.73 1 5.625 1,202.65 71 5.375 1,202.65 JEFFERSON GA 30549 5 04/21/03 00 0435734231 05 06/01/03 0 24484 O 05/01/18 0 8645771 Q30/G02 F 248,000.00 ZZ 180 247,128.91 1 5.750 2,059.42 79 5.500 2,059.42 WOLCOTT CT 06716 2 04/03/03 00 0435740121 05 06/01/03 0 21019961 O 05/01/18 0 8646375 U05/G02 F 127,500.00 ZZ 180 127,047.40 2 5.625 1,050.26 47 5.375 1,050.26 TUJUNGA CA 91402 2 04/08/03 00 0435762539 05 06/01/03 0 3325927 O 05/01/18 0 8646495 T44/G02 F 185,500.00 ZZ 180 184,827.48 1 5.375 1,503.41 51 5.125 1,503.41 FRESNO CA 93711 2 04/03/03 00 0435729033 05 06/01/03 0 1068279 O 05/01/18 0 8646971 U05/G02 F 292,000.00 ZZ 180 290,952.45 3 5.500 2,385.88 75 5.250 2,385.88 NORTH HOLLYWOOD CA 91606 5 04/03/03 00 0435759659 05 06/01/03 0 3329048 O 05/01/18 0 8647053 G34/G02 F 135,500.00 TX 180 135,008.75 1 5.375 1,098.18 52 5.125 1,098.18 1 IRVING TX 75063 5 04/11/03 00 0435741392 05 06/01/03 0 47000365 O 05/01/18 0 8647117 313/G02 F 57,000.00 ZZ 180 56,607.02 4 6.000 481.00 60 5.750 481.00 SAINT LOUIS MO 63110 5 03/27/03 00 0435739602 05 05/01/03 0 9395484 N 04/01/18 0 8647139 313/G02 F 249,600.00 ZZ 180 246,759.13 1 5.250 2,006.48 80 5.000 2,006.48 CARSON CA 90745 5 03/26/03 00 0435742655 05 05/01/03 0 9331505 O 04/01/18 0 8647141 313/G02 F 257,000.00 ZZ 180 256,078.01 1 5.500 2,099.91 70 5.250 2,099.91 PEABODY MA 01960 2 04/04/03 00 0435729074 05 06/01/03 0 9425497 O 05/01/18 0 8647143 313/G02 F 335,000.00 ZZ 180 333,772.63 1 5.250 2,693.00 54 5.000 2,693.00 PLYMOUTH MA 02360 5 04/15/03 00 0435742069 05 06/01/03 0 9468232 O 05/01/18 0 8647495 E22/G02 F 334,650.00 ZZ 180 333,474.56 2 5.750 2,778.97 54 5.500 2,778.97 ARLINGTON MA 02474 5 04/25/03 00 0416690063 05 06/01/03 0 0416690063 N 05/01/18 0 1 8647497 E22/G02 F 51,000.00 ZZ 180 50,723.13 1 5.250 409.98 64 5.000 409.98 HUMBLE TX 77396 2 04/21/03 00 0416693513 05 06/01/03 0 0416693513 O 05/01/18 0 8647499 E22/G02 F 83,800.00 ZZ 180 83,508.76 1 5.875 701.51 80 5.625 701.51 ZION IL 60030 1 04/25/03 00 0416699148 05 06/01/03 0 0416699148 N 05/01/18 0 8647571 E82/G02 F 31,500.00 ZZ 180 31,391.69 1 6.000 265.81 67 5.750 265.81 BUFORD GA 30518 2 04/24/03 00 0400820569 05 06/01/03 0 0400820569 N 05/01/18 0 8647581 E82/G02 F 300,000.00 ZZ 180 298,923.75 1 5.500 2,451.25 74 5.250 2,451.25 CHARLOTTE NC 28209 2 04/24/03 00 0400803383 05 06/01/03 0 0400803383 O 05/01/18 0 8647599 E82/G02 F 140,750.00 ZZ 180 140,250.37 1 5.625 1,159.40 69 5.375 1,159.40 LINDSTROM MN 55045 2 04/24/03 00 0400822078 05 06/01/03 0 0400822078 O 05/01/18 0 8647635 E82/G02 F 67,500.00 ZZ 180 67,255.28 1 1 5.375 547.06 38 5.125 547.06 FLORENCE TX 76527 2 04/24/03 00 0400810875 05 06/01/03 0 0400810875 O 05/01/18 0 8647683 E82/G02 F 70,200.00 ZZ 180 69,950.80 1 5.625 578.26 74 5.375 578.26 PRAIRIEVILLE LA 70769 2 04/22/03 00 0400814687 05 06/01/03 0 0400814687 O 05/01/18 0 8647741 E22/G02 F 105,250.00 ZZ 180 104,880.31 1 5.750 874.01 80 5.500 874.01 SEABROOK TX 77586 1 04/25/03 00 0416906980 03 06/01/03 0 0416906980 N 05/01/18 0 8647783 E22/G02 F 168,000.00 ZZ 180 167,318.29 1 5.375 1,361.58 79 5.125 1,361.58 PALM HARBOR FL 34683 2 04/21/03 00 0416184885 05 06/01/03 0 0416184885 O 05/01/18 0 8647927 E22/G02 F 400,000.00 ZZ 180 398,624.57 2 6.000 3,375.43 73 5.750 3,375.43 ARLINGTON MA 02474 1 04/25/03 00 0416545747 05 06/01/03 0 0416545747 N 05/01/18 0 8647967 E22/G02 F 114,000.00 ZZ 180 113,582.33 1 5.250 916.42 68 5.000 916.42 LOXAHATCHEE FL 33470 2 04/21/03 00 0416596971 05 06/01/03 0 1 0416596971 O 05/01/18 0 8647987 E22/G02 F 279,000.00 ZZ 180 277,977.81 1 5.250 2,242.82 76 5.000 2,242.82 COVINA CA 91723 5 04/16/03 00 0416628014 05 06/01/03 0 0416628014 O 05/01/18 0 8648297 P09/G02 F 131,000.00 ZZ 180 130,514.99 1 5.125 1,044.49 50 4.875 1,044.49 ANNAPOLIS MD 21403 2 04/21/03 00 0435759550 05 06/01/03 0 PETERSON O 05/01/18 0 8648399 940/G02 F 217,000.00 ZZ 180 216,221.51 1 5.500 1,773.07 54 5.250 1,773.07 IRVINE CA 92604 2 04/22/03 00 0435766142 05 06/01/03 0 40030470 O 05/01/18 0 8648411 940/G02 F 84,630.00 ZZ 180 84,329.58 1 5.625 697.12 50 5.375 697.12 POMONA CA 91766 2 04/11/03 00 0435752902 05 06/01/03 0 40030437 O 05/01/18 0 8648593 313/G02 F 488,000.00 ZZ 180 484,453.58 1 5.375 3,955.08 31 5.125 3,955.08 FREMONT CA 94539 5 03/31/03 00 0435737317 03 05/01/03 0 9191420 O 04/01/18 0 1 8648599 313/G02 F 370,000.00 ZZ 180 367,262.02 1 5.500 3,023.21 50 5.250 3,023.21 WESTLAKE VILLAG CA 91361 2 03/31/03 00 0435733688 03 05/01/03 0 9390501 O 04/01/18 0 8648601 313/G02 F 560,000.00 ZZ 180 555,887.58 1 5.250 4,501.72 64 5.000 4,501.72 NEWPORT BEACH CA 92660 1 03/24/03 00 0435727292 03 05/01/03 0 9403445 O 04/01/18 0 8648623 313/G02 F 400,000.00 ZZ 180 398,549.80 1 5.375 3,241.87 75 5.125 3,241.87 VIRGINIA BEACH VA 23456 5 04/04/03 00 0435729843 05 06/01/03 0 9391988 O 05/01/18 0 8648811 624/G02 F 69,800.00 ZZ 180 69,552.23 1 5.625 574.96 27 5.375 574.96 LOMPOC CA 93436 2 04/16/03 00 0435747761 05 06/01/03 0 1000028036 O 05/01/18 0 8648851 967/G02 F 87,500.00 ZZ 180 87,202.31 1 6.125 744.30 60 5.875 744.30 MESA AZ 85202 1 04/18/03 00 0435798723 03 06/01/03 0 6615553 N 05/01/18 0 8648895 A35/G02 F 512,000.00 ZZ 180 510,104.39 1 5.125 4,082.28 80 4.875 4,082.28 1 HENDERSON NV 89074 5 04/21/03 00 0435740345 03 06/01/03 0 TSC O 05/01/18 0 8648935 U19/G02 F 110,000.00 ZZ 180 109,609.53 1 5.625 906.10 31 5.375 906.10 GUFFEY CO 80820 5 04/24/03 00 0435731518 05 06/01/03 0 15150352 O 05/01/18 0 8649069 E84/G02 F 183,000.00 ZZ 180 181,670.11 1 5.375 1,483.15 57 5.125 1,483.15 FALLS CHURCH VA 22042 2 03/10/03 00 0435872106 05 05/01/03 0 87652197 O 04/01/18 0 8649095 758/G02 F 150,000.00 ZZ 180 149,461.87 1 5.500 1,225.63 75 5.250 1,225.63 CONROE TX 77303 5 04/14/03 00 0435773809 05 06/01/03 0 330882 O 05/01/18 0 8649101 M18/G02 F 175,000.00 ZZ 180 174,372.18 1 5.500 1,429.90 51 5.250 1,429.90 MISSION VIEJO CA 92691 5 04/11/03 00 0435743299 09 06/01/03 0 980102319 O 05/01/18 0 8649107 K93/G02 F 126,000.00 ZZ 180 125,571.34 4 6.125 1,071.79 70 5.875 1,071.79 WYOMING MI 49509 1 04/14/03 00 0435746847 05 06/01/03 0 0303L0506 N 05/01/18 0 1 8649195 Y23/G02 F 144,000.00 ZZ 180 143,488.82 1 5.625 1,186.18 80 5.375 1,186.18 MISSOURI CITY TX 77459 5 04/23/03 00 0435777651 03 06/01/03 0 1000128263 O 05/01/18 0 8649199 K93/G02 F 126,000.00 ZZ 180 125,571.34 4 6.125 1,071.79 70 5.875 1,071.79 WYOMING MI 49509 1 04/14/03 00 0435740550 05 06/01/03 0 0303L0506 N 05/01/18 0 8649205 A21/G02 F 320,000.00 ZZ 180 318,876.01 2 5.750 2,657.32 66 5.500 2,657.32 WOODSIDE NY 11377 5 04/16/03 00 0435767769 05 06/01/03 0 0100134468 O 05/01/18 0 8649227 E47/G02 F 110,000.00 ZZ 180 109,601.20 1 5.375 891.51 76 5.125 891.51 LARGO FL 33773 5 04/14/03 00 0435745500 09 06/01/03 0 7361013614 O 05/01/18 0 8649347 X67/G02 F 124,000.00 ZZ 180 123,550.44 1 5.375 1,004.98 39 5.125 1,004.98 GARDEN GROVE CA 92840 2 04/01/03 00 0435741962 05 06/01/03 0 00283959 O 05/01/18 0 8649355 964/G02 F 305,000.00 ZZ 180 302,713.07 1 1 5.000 2,411.92 54 4.750 2,411.92 SAN FRANCISCO CA 94112 5 02/26/03 00 0435755103 05 05/01/03 0 345242 O 04/01/18 0 8649391 R26/G02 F 50,000.00 ZZ 180 49,820.63 1 5.500 408.54 66 5.250 408.54 LEXINGTON SC 29073 2 04/07/03 00 0435732730 05 06/01/03 0 0182800000 O 05/01/18 0 8649509 624/G02 F 128,000.00 ZZ 180 126,036.67 1 5.500 1,045.87 22 5.250 1,045.87 SAN JOSE CA 95127 5 04/15/03 00 0435740584 05 06/01/03 0 1000030224 O 05/01/18 0 8650161 U05/G02 F 276,800.00 ZZ 180 275,848.20 1 6.000 2,335.80 80 5.750 2,335.80 DOWNEY CA 90240 1 04/09/03 00 0435734421 05 06/01/03 0 3342360 O 05/01/18 0 8651203 964/G02 F 164,000.00 ZZ 180 163,217.50 1 5.250 1,318.36 28 5.000 1,318.36 SAN FRANCISCO CA 94122 2 04/03/03 00 0435775069 05 06/01/03 0 370368 O 05/01/18 0 8651211 964/G02 F 295,000.00 ZZ 180 293,884.76 1 4.875 2,313.68 63 4.625 2,313.68 SAN FRANCISCO CA 94112 2 03/31/03 00 0435738133 05 06/01/03 0 1 382877 O 05/01/18 0 8651257 964/G02 F 140,700.00 ZZ 180 140,211.01 1 5.875 1,177.83 80 5.625 1,177.83 SPARKS NV 89434 5 04/03/03 00 0435739768 05 06/01/03 0 393878 N 05/01/18 0 8651329 964/G02 F 315,000.00 ZZ 180 313,809.15 1 4.875 2,470.54 60 4.625 2,470.54 PEORIA AZ 85383 5 04/02/03 00 0435740964 03 06/01/03 0 373804 O 05/01/18 0 8651335 964/G02 F 253,700.00 ZZ 180 252,789.85 1 5.500 2,072.94 73 5.250 2,072.94 HIGHLAND VILLAG TX 75077 2 04/04/03 00 0435741277 03 06/01/03 0 377615 O 05/01/18 0 8651337 964/G02 F 121,500.00 ZZ 180 121,054.85 1 5.250 976.71 72 5.000 976.71 ALTAMONTE SPRIN FL 32701 2 04/07/03 00 0435739719 05 06/01/03 0 378662 O 05/01/18 0 8651377 964/G02 F 207,000.00 ZZ 180 206,217.44 1 4.875 1,623.50 73 4.625 1,623.50 GRESHAM OR 97080 5 04/07/03 00 0435741566 05 06/01/03 0 381719 O 05/01/18 0 1 8651381 964/G02 F 247,500.00 ZZ 180 245,757.17 1 5.750 2,055.27 58 5.500 2,055.27 SAN JOSE CA 95111 5 03/21/03 00 0435741855 05 05/01/03 0 355386 N 04/01/18 0 8651389 964/G02 F 460,000.00 ZZ 180 458,367.08 1 5.625 3,789.17 57 5.375 3,789.17 LONG BEACH CA 90814 5 04/04/03 00 0435739883 05 06/01/03 0 336899 O 05/01/18 0 8651395 964/G02 F 240,000.00 ZZ 180 239,139.00 1 5.500 1,961.00 45 5.250 1,961.00 RENO NV 89509 5 04/01/03 00 0435775010 05 06/01/03 0 339580 O 05/01/18 0 8651407 964/G02 F 322,700.00 ZZ 180 321,542.31 1 5.500 2,636.73 58 5.250 2,636.73 SAN FRANCISCO CA 94122 5 04/01/03 00 0435737663 05 06/01/03 0 358811 O 05/01/18 0 8651409 964/G02 F 185,000.00 ZZ 180 184,343.29 1 5.625 1,523.90 72 5.375 1,523.90 DENVER CO 80222 2 04/09/03 00 0435739750 05 06/01/03 0 360334 O 05/01/18 0 8651419 964/G02 F 125,000.00 ZZ 180 124,532.34 1 5.000 988.49 45 4.750 988.49 1 SAN PABLO CA 94806 5 03/31/03 00 0435736947 05 06/01/03 0 361311 O 05/01/18 0 8651437 964/G02 F 144,700.00 ZZ 180 144,164.27 1 5.125 1,153.72 80 4.875 1,153.72 VANCOUVER WA 98683 2 04/01/03 00 0435739933 05 06/01/03 0 364202 O 05/01/18 0 8651447 964/G02 F 135,000.00 ZZ 180 134,525.83 1 5.750 1,121.05 72 5.500 1,121.05 LIBERTY MO 64068 2 04/08/03 00 0435739982 05 06/01/03 0 358746 O 05/01/18 0 8651453 964/G02 F 250,000.00 ZZ 180 249,131.16 1 5.875 2,092.80 53 5.625 2,092.80 CASTRO VALLEY CA 94546 5 04/01/03 00 0435739701 05 06/01/03 0 360566 O 05/01/18 0 8651455 964/G02 F 98,000.00 ZZ 180 97,625.64 1 4.750 762.28 43 4.500 762.28 GARDENA CA 90247 2 04/02/03 00 0435740949 05 06/01/03 0 361486 O 05/01/18 0 8651457 964/G02 F 62,000.00 ZZ 180 61,777.58 1 5.500 506.59 58 5.250 506.59 HOUSTON TX 77088 2 04/09/03 00 0435739321 03 06/01/03 0 364471 O 05/01/18 0 1 8651483 964/G02 F 145,500.00 ZZ 180 144,972.49 1 5.375 1,179.23 75 5.125 1,179.23 SPARKS NV 89431 5 04/01/03 00 0435737754 05 06/01/03 0 386623 O 05/01/18 0 8651531 E22/G02 F 131,250.00 ZZ 180 130,779.14 1 5.500 1,072.42 75 5.250 1,072.42 ALVIN TX 77511 5 04/21/03 00 0415054170 05 06/01/03 0 0415054170 O 05/01/18 0 8651573 E22/G02 F 154,500.00 ZZ 180 153,939.86 1 5.375 1,252.17 74 5.125 1,252.17 HOUSTON TX 77044 5 04/22/03 00 0416553980 03 06/01/03 0 0416553980 O 05/01/18 0 8651625 E22/G02 F 77,500.00 ZZ 180 76,396.99 1 6.000 653.99 66 5.750 653.99 HARVEY LA 70058 2 04/25/03 00 0416356764 05 06/01/03 0 0416356764 N 05/01/18 0 8651695 E22/G02 F 218,000.00 ZZ 180 217,209.65 1 5.375 1,766.81 80 5.125 1,766.81 SCITUATE RI 02857 5 04/21/03 00 0416623775 05 06/01/03 0 0416623775 O 05/01/18 0 8651699 E22/G02 F 189,200.00 ZZ 180 188,528.38 1 1 5.625 1,558.50 80 5.375 1,558.50 LAKE BLUFF IL 60044 5 04/22/03 00 0416632065 05 06/01/03 0 0416632065 O 05/01/18 0 8651701 E22/G02 F 232,500.00 ZZ 180 231,657.08 1 5.375 1,884.33 47 5.125 1,884.33 PROSPECT HEIGHT IL 60070 5 04/23/03 00 0416632115 05 06/01/03 0 0416632115 O 05/01/18 0 8651739 E22/G02 F 90,000.00 ZZ 180 89,683.88 1 5.750 747.37 98 5.500 747.37 SOUTHSIDE AL 35907 2 04/22/03 04 0416658250 05 06/01/03 30 0416658250 O 05/01/18 0 8651779 E22/G02 F 325,000.00 ZZ 180 323,156.86 1 5.250 2,612.60 73 5.000 2,612.60 LOVELAND CO 80537 2 04/22/03 00 0416708600 05 06/01/03 0 0416708600 O 05/01/18 0 8651795 E22/G02 F 88,000.00 ZZ 180 87,372.96 1 6.125 748.55 68 5.875 748.55 PLATTSMOUTH NE 68409 2 04/23/03 00 0416716454 05 06/01/03 0 0416716454 O 05/01/18 0 8651803 E22/G02 F 120,000.00 ZZ 180 119,560.35 1 5.250 964.65 80 5.000 964.65 NORTH OLMSTED OH 44070 2 04/23/03 00 0416724995 05 06/01/03 0 1 0416724995 O 05/01/18 0 8651813 E22/G02 F 108,000.00 ZZ 180 107,616.62 1 5.625 889.63 80 5.375 889.63 ORMOND BEACH FL 32174 5 04/23/03 00 0416397461 05 06/01/03 0 0416397461 O 05/01/18 0 8651827 E22/G02 F 33,000.00 ZZ 180 32,884.09 1 5.750 274.04 14 5.500 274.04 MIAMI FL 33155 2 04/22/03 00 0416429652 05 06/01/03 0 0416429652 O 05/01/18 0 8651973 E22/G02 F 100,800.00 ZZ 180 100,442.18 1 5.625 830.32 80 5.375 830.32 GARLAND TX 75044 5 04/23/03 00 0416768323 03 06/01/03 0 0416768323 O 05/01/18 0 8651977 E22/G02 F 185,000.00 ZZ 180 184,122.21 1 5.250 1,487.17 60 5.000 1,487.17 DALLAS GA 30157 5 04/23/03 00 0416776557 05 06/01/03 0 0416776557 O 05/01/18 0 8651979 E22/G02 F 527,700.00 ZZ 120 524,413.92 1 5.625 5,759.67 71 5.375 5,759.67 BELLAIRE TX 77401 5 04/22/03 00 0416777019 05 06/01/03 0 0416777019 O 05/01/13 0 1 8651999 E22/G02 F 115,000.00 ZZ 180 114,587.43 1 5.500 939.65 70 5.250 939.65 WARREN MI 48092 2 04/22/03 00 0416798353 05 06/01/03 0 0416798353 O 05/01/18 0 8652001 E22/G02 F 64,000.00 ZZ 180 63,775.21 1 5.750 531.46 80 5.500 531.46 PHILADELPHIA PA 19149 5 04/23/03 00 0416799153 05 06/01/03 0 0416799153 O 05/01/18 0 8652003 E22/G02 F 192,000.00 ZZ 180 191,289.14 1 5.125 1,530.86 80 4.875 1,530.86 NOVI MI 48377 2 04/22/03 00 0416800043 01 06/01/03 0 0416800043 O 05/01/18 0 8652067 E22/G02 F 56,250.00 ZZ 180 56,056.58 2 6.000 474.67 75 5.750 474.67 DETROIT MI 48205 5 04/28/03 00 0416852283 05 06/01/03 0 0416852283 N 05/01/18 0 8652077 E82/G02 F 42,050.00 ZZ 180 41,912.95 2 6.625 369.20 60 6.375 369.20 DES MOINES IA 50316 2 04/22/03 00 0400776795 05 06/01/03 0 0400776795 N 05/01/18 0 8652099 E82/G02 F 57,750.00 ZZ 180 57,542.82 1 5.500 471.87 58 5.250 471.87 1 TUSCOLA TOWNSHI MI 48768 2 04/25/03 00 0400829164 05 06/01/03 0 0400829164 O 05/01/18 0 8652129 E22/G02 F 88,000.00 ZZ 180 87,680.96 1 5.375 713.21 80 5.125 713.21 CREEDMOOR NC 27522 5 04/23/03 00 0416898203 05 06/01/03 0 0416898203 O 05/01/18 0 8652169 E82/G02 F 77,300.00 ZZ 180 77,028.49 1 5.750 641.91 42 5.500 641.91 N MIAMI BEACH FL 33180 2 04/25/03 00 0400815908 01 06/01/03 0 0400815908 O 05/01/18 0 8652181 E82/G02 F 63,200.00 ZZ 180 62,982.68 1 6.000 533.32 80 5.750 533.32 HELPER UT 84526 5 04/25/03 00 0400811410 05 06/01/03 0 0400811410 O 05/01/18 0 8652213 E82/G02 F 140,000.00 ZZ 180 139,513.45 1 5.875 1,171.97 77 5.625 1,171.97 SARASOTA FL 34243 2 04/22/03 00 0400819496 01 06/01/03 0 0400819496 O 05/01/18 0 8652311 E82/G02 F 300,000.00 ZZ 180 298,912.35 1 5.375 2,431.40 47 5.125 2,431.40 FAIRFAX VA 22033 2 04/25/03 00 0400827051 03 06/01/03 0 0400827051 O 05/01/18 0 1 8652319 E82/G02 F 140,625.00 ZZ 180 140,115.16 1 5.375 1,139.72 75 5.125 1,139.72 MIAMI FL 33165 2 04/24/03 00 0400810248 05 06/01/03 0 0400810248 O 05/01/18 0 8652361 E82/G02 F 94,550.00 ZZ 180 94,207.21 1 5.375 766.30 68 5.125 766.30 NEWPORT NEWS VA 23606 2 04/25/03 00 0400817193 05 06/01/03 0 0400817193 O 05/01/18 0 8652367 E82/G02 F 74,700.00 ZZ 180 74,448.57 1 6.250 640.49 83 6.000 640.49 SCHAUMBURG IL 60193 2 04/28/03 04 0400808606 08 06/01/03 6 0400808606 N 05/01/18 0 8653491 964/G02 F 322,700.00 ZZ 180 321,530.05 1 5.375 2,615.38 60 5.125 2,615.38 SAN CLEMENTE CA 92672 2 04/14/03 00 0435757547 03 06/01/03 0 373405 O 05/01/18 0 8653545 964/G02 F 214,500.00 ZZ 180 213,697.49 1 5.000 1,696.26 72 4.750 1,696.26 SIMI VALLEY CA 93063 5 04/07/03 00 0435757570 05 06/01/03 0 372314 O 05/01/18 0 8653565 964/G02 F 136,000.00 ZZ 180 135,496.47 1 1 5.125 1,084.36 31 4.875 1,084.36 RANCHO CORDOVA CA 95670 2 04/09/03 00 0435743752 03 06/01/03 0 389236 O 05/01/18 0 8653571 964/G02 F 250,000.00 ZZ 180 249,074.41 1 5.125 1,993.30 25 4.875 1,993.30 MILPITAS CA 95035 2 04/06/03 00 0435802038 03 06/01/03 0 364608 O 05/01/18 0 8653595 964/G02 F 135,000.00 ZZ 180 134,520.77 1 5.625 1,112.04 75 5.375 1,112.04 MEDFORD OR 97501 5 04/14/03 00 0435801683 05 06/01/03 0 396312 N 05/01/18 0 8653605 964/G02 F 100,500.00 ZZ 180 100,135.64 2 5.375 814.52 47 5.125 814.52 DENVER CO 80223 2 04/17/03 00 0435801915 05 06/01/03 0 401920 N 05/01/18 0 8653675 964/G02 F 294,000.00 ZZ 180 292,945.27 1 5.500 2,402.23 49 5.250 2,402.23 SUNNYVALE CA 94087 2 04/03/03 00 0435744818 05 06/01/03 0 382384 O 05/01/18 0 8653741 964/G02 F 305,000.00 ZZ 180 303,858.91 1 5.000 2,411.92 54 4.750 2,411.92 SAN DIEGO CA 92121 5 04/03/03 00 0435746797 03 06/01/03 0 1 377178 O 05/01/18 0 8653747 964/G02 F 276,000.00 ZZ 180 274,988.80 1 5.250 2,218.70 78 5.000 2,218.70 LAS VEGAS NV 89117 2 04/14/03 00 0435744537 05 06/01/03 0 378400 O 05/01/18 0 8653765 964/G02 F 185,000.00 ZZ 180 184,307.86 1 5.000 1,462.97 44 4.750 1,462.97 LAKE FOREST CA 92630 5 04/11/03 00 0435742721 03 06/01/03 0 385416 O 05/01/18 0 8653769 964/G02 F 165,752.00 ZZ 180 165,151.07 1 5.375 1,343.36 80 5.125 1,343.36 LAS VEGAS NV 89113 1 04/14/03 00 0435801576 03 06/01/03 0 386855 O 05/01/18 0 8653773 964/G02 F 415,000.00 ZZ 180 413,511.18 1 5.500 3,390.90 73 5.250 3,390.90 SAINT LOUIS MO 63128 5 04/11/03 00 0435743729 05 06/01/03 0 387979 O 05/01/18 0 8653851 964/G02 F 140,000.00 ZZ 120 138,216.95 1 5.250 1,502.08 35 5.000 1,502.08 FRESNO CA 93704 2 03/05/03 00 0435804828 05 05/01/03 0 351956 O 04/01/13 0 1 8653861 964/G02 F 100,000.00 ZZ 180 99,637.45 1 5.375 810.47 23 5.125 810.47 MILPITAS CA 95035 2 04/04/03 00 0435743760 05 06/01/03 0 353222 O 05/01/18 0 8653907 964/G02 F 53,000.00 ZZ 180 52,809.87 1 5.500 433.05 44 5.250 433.05 PHOENIX AZ 85044 2 04/07/03 00 0435774583 03 06/01/03 0 360671 N 05/01/18 0 8653909 964/G02 F 79,000.00 ZZ 180 78,716.58 1 5.500 645.50 53 5.250 645.50 PHOENIX AZ 85048 2 04/07/03 00 0435798392 03 06/01/03 0 360675 N 05/01/18 0 8653933 964/G02 F 162,800.00 ZZ 180 161,616.89 1 5.375 1,319.44 80 5.125 1,319.44 VANCOUVER WA 98661 2 03/13/03 00 0435791710 05 05/01/03 0 361525 O 04/01/18 0 8653937 964/G02 F 106,000.00 ZZ 180 105,607.55 1 5.125 845.16 43 4.875 845.16 ROSEVILLE CA 95747 5 04/01/03 00 0435744164 05 06/01/03 0 362285 O 05/01/18 0 8653941 964/G02 F 648,750.00 ZZ 180 646,495.36 1 5.875 5,430.81 75 5.625 5,430.81 1 ELK GROVE CA 95624 5 04/03/03 00 0435741202 05 06/01/03 0 362338 O 05/01/18 0 8653955 964/G02 F 123,000.00 ZZ 180 122,544.60 1 5.125 980.71 72 4.875 980.71 LAS VEGAS NV 89130 2 04/03/03 00 0435801808 05 06/01/03 0 364280 O 05/01/18 0 8653961 964/G02 F 156,000.00 ZZ 180 155,404.08 1 4.750 1,213.42 39 4.500 1,213.42 ORANGEVALE CA 95662 5 04/08/03 00 0435743083 05 06/01/03 0 366100 O 05/01/18 0 8653967 964/G02 F 160,500.00 ZZ 180 159,911.97 1 5.250 1,290.22 58 5.000 1,290.22 MISSOURI CITY TX 77459 2 04/11/03 00 0435742572 03 06/01/03 0 367876 O 05/01/18 0 8653981 964/G02 F 210,000.00 ZZ 180 209,246.62 1 5.500 1,715.88 62 5.250 1,715.88 WOODLAND HILLS CA 91364 2 04/04/03 00 0435743927 05 06/01/03 0 369396 O 05/01/18 0 8653985 964/G02 F 243,500.00 ZZ 180 242,579.45 1 4.875 1,909.77 45 4.625 1,909.77 CHESTERFIELD MO 63017 2 04/09/03 00 0435743950 03 06/01/03 0 370241 O 05/01/18 0 1 8653993 964/G02 F 200,000.00 ZZ 180 199,243.90 1 4.875 1,568.60 65 4.625 1,568.60 MESA AZ 85205 2 04/09/03 00 0435757497 05 06/01/03 0 370547 O 05/01/18 0 8654279 R84/G02 F 120,700.00 ZZ 180 120,266.99 1 5.500 986.22 66 5.250 986.22 LAS VEGAS NV 89130 5 04/23/03 00 0435763214 05 06/01/03 0 LVW5801 O 05/01/18 0 8654373 G51/G02 F 288,000.00 ZZ 180 286,955.85 1 5.375 2,334.15 30 5.125 2,334.15 N CAPTIVA FL 33924 2 04/21/03 00 0435747464 05 06/01/03 0 25002554 O 05/01/18 0 8654503 642/G02 F 175,200.00 ZZ 180 174,558.11 1 5.250 1,408.39 80 5.000 1,408.39 LANSDOWNE PA 19050 5 04/24/03 00 0435743851 05 06/01/03 0 04-1346-03 O 05/01/18 0 8654549 U05/G02 F 320,000.00 ZZ 180 318,922.92 1 6.250 2,743.75 80 6.000 2,743.75 WOODLAND HILLS CA 91367 2 04/01/03 00 0435736509 05 06/01/03 0 3320026 O 05/01/18 0 8654553 U05/G02 F 60,000.00 ZZ 180 59,791.48 1 1 5.875 502.27 80 5.625 502.27 MIAMI FL 33015 1 04/16/03 00 0435748264 01 06/01/03 0 3337358 O 05/01/18 0 8654663 144/144 F 150,000.00 ZZ 180 148,898.46 1 5.250 1,205.82 28 5.000 1,205.82 CUTCHOGUE NY 11935 5 03/17/03 00 160717066 05 05/01/03 0 160717066 O 04/01/18 0 8654743 W68/G02 F 320,000.00 ZZ 180 318,887.89 1 5.875 2,678.78 80 5.625 2,678.78 MIDLOTHIAN TX 76065 1 04/25/03 00 0435743570 03 06/01/03 0 3032721 O 05/01/18 0 8654813 L96/G02 F 131,000.00 ZZ 180 130,539.87 1 5.750 1,087.84 38 5.500 1,087.84 BURBANK CA 91506 2 04/09/03 00 0435743620 05 06/01/03 0 4034640000 N 05/01/18 0 8655021 U05/G02 F 142,500.00 ZZ 180 141,485.93 1 5.625 1,173.82 66 5.375 1,173.82 MISSION HILLS CA 91345 5 03/13/03 00 0435750674 05 05/01/03 0 3323708 O 04/01/18 0 8655029 U05/G02 F 227,000.00 ZZ 180 226,194.19 1 5.625 1,869.87 38 5.375 1,869.87 SOUTHWEST RANCH FL 33330 5 04/01/03 00 0435750740 05 06/01/03 0 1 3335472 O 05/01/18 0 8655411 N47/G02 F 245,000.00 ZZ 180 244,111.76 1 5.375 1,985.64 18 5.125 1,985.64 SARAGTOGA CA 95070 2 04/10/03 00 0435762760 05 06/01/03 0 20504934 O 05/01/18 0 8655507 E22/G02 F 592,300.00 ZZ 180 590,129.94 1 5.250 4,761.37 39 5.000 4,761.37 LOS GATOS CA 95030 2 03/27/03 00 0415988385 05 06/01/03 0 0415988385 O 05/01/18 0 8655557 E22/G02 F 197,000.00 ZZ 180 196,278.24 1 5.250 1,583.64 44 5.000 1,583.64 SAN JOSE CA 95139 2 04/17/03 00 0416413532 05 06/01/03 0 0416413532 N 05/01/18 0 8655597 E22/G02 F 39,000.00 ZZ 180 38,858.61 1 5.375 316.08 86 5.125 316.08 MOBILE AL 36604 5 04/24/03 11 0416469435 05 06/01/03 12 0416469435 O 05/01/18 0 8655627 E22/G02 F 226,400.00 ZZ 180 225,579.19 1 5.375 1,834.89 80 5.125 1,834.89 PLANO TX 75023 5 04/23/03 00 0416516227 05 06/01/03 0 0416516227 O 05/01/18 0 1 8655731 E22/G02 F 65,000.00 ZZ 180 64,759.34 1 5.125 518.26 69 4.875 518.26 SARALAND AL 36571 5 04/24/03 00 0416615755 05 06/01/03 0 0416615755 O 05/01/18 0 8655905 E22/G02 F 133,750.00 ZZ 180 133,254.80 1 5.125 1,066.42 60 4.875 1,066.42 SALT LAKE CITY UT 84105 2 04/18/03 00 0416701118 05 06/01/03 0 0416701118 O 05/01/18 0 8655925 E22/G02 F 164,900.00 ZZ 180 164,302.15 1 5.375 1,336.46 85 5.125 1,336.46 PEARLAND TX 77584 2 04/24/03 04 0416733699 03 06/01/03 12 0416733699 O 05/01/18 0 8655939 E22/G02 F 72,250.00 ZZ 180 71,566.05 1 5.625 595.15 55 5.375 595.15 MERIDIAN ID 83642 2 04/21/03 00 0416746766 03 06/01/03 0 0416746766 N 05/01/18 0 8655955 E22/G02 F 139,500.00 ZZ 180 138,994.24 1 5.375 1,130.60 64 5.125 1,130.60 NOVI MI 48374 2 04/24/03 00 0416767077 05 06/01/03 0 0416767077 O 05/01/18 0 8655963 E22/G02 F 200,000.00 ZZ 180 199,267.24 1 5.250 1,607.76 80 5.000 1,607.76 1 EUGENE OR 97405 2 04/22/03 00 0416776094 03 06/01/03 0 0416776094 O 05/01/18 0 8655967 E22/G02 F 270,000.00 ZZ 180 269,051.64 1 5.750 2,242.11 80 5.500 2,242.11 DALLAS TX 75228 5 04/24/03 00 0416778223 05 06/01/03 0 0416778223 O 05/01/18 0 8656025 E22/G02 F 322,500.00 ZZ 180 321,367.24 1 5.750 2,678.07 75 5.500 2,678.07 SAMMAMISH WA 98075 5 04/18/03 00 0416800639 05 06/01/03 0 0416800639 O 05/01/18 0 8656231 U05/G02 F 140,000.00 ZZ 180 138,993.19 1 5.500 1,143.92 47 5.250 1,143.92 MIAMI FL 33155 5 03/25/03 00 0435774344 05 05/01/03 0 3305707 O 04/01/18 0 8656233 U05/G02 F 39,000.00 ZZ 180 38,868.73 1 6.250 334.39 33 6.000 334.39 PEMBROKE PINES FL 33024 2 04/16/03 00 0435738430 05 06/01/03 0 3336447 N 05/01/18 0 8656237 U05/G02 F 80,500.00 ZZ 180 80,211.21 1 5.500 657.75 68 5.250 657.75 RICHMOND TX 77469 2 04/01/03 00 0435738521 05 06/01/03 0 3290984 O 05/01/18 0 1 8656245 952/G02 F 185,000.00 ZZ 180 184,350.20 1 5.750 1,536.26 65 5.500 1,536.26 LINDENHURST NY 11757 5 04/25/03 00 0435859368 05 06/01/03 0 03002207 O 05/01/18 0 8656263 W49/G02 F 393,750.00 ZZ 180 392,352.26 1 5.625 3,243.44 75 5.375 3,243.44 MEDIA PA 19063 5 04/22/03 00 0435738257 03 06/01/03 0 2003022821 O 05/01/18 0 8656947 313/G02 F 180,000.00 ZZ 180 179,347.41 1 5.375 1,458.84 69 5.125 1,458.84 CHANDLER AZ 85226 2 04/23/03 00 0435776034 03 06/01/03 0 9506767 O 05/01/18 0 8657277 K15/G02 F 75,000.00 ZZ 180 74,742.11 1 6.000 632.89 90 5.750 632.89 LENOIR NC 28645 5 04/19/03 41 0435750120 05 06/01/03 12 7866849 O 05/01/18 0 8657391 P44/G02 F 260,000.00 ZZ 180 259,047.42 1 5.250 2,090.08 56 5.000 2,090.08 COTUIT MA 02635 5 04/21/03 00 0435742390 05 06/01/03 0 1 O 05/01/18 0 8657439 G27/G02 F 157,000.00 ZZ 180 156,418.73 1 1 5.125 1,251.79 42 4.875 1,251.79 DUARTE CA 91010 5 04/18/03 00 0435750823 05 06/01/03 0 20003336 O 05/01/18 0 8657497 K15/G02 F 52,800.00 ZZ 180 52,618.44 1 6.000 445.56 66 5.750 445.56 HINSDALE NH 03451 2 04/24/03 00 0435742242 05 06/01/03 0 033305510387 N 05/01/18 0 8657533 K15/G02 F 60,000.00 ZZ 180 59,793.69 1 6.000 506.31 75 5.750 506.31 HINSDALE NH 03451 5 04/24/03 00 0435742499 05 06/01/03 0 033305510378 O 05/01/18 0 8657575 Y44/G02 F 145,500.00 ZZ 180 144,988.94 2 5.750 1,208.25 71 5.500 1,208.25 POMONA CA 91766 2 04/08/03 00 0435803143 05 06/01/03 0 04030229 O 05/01/18 0 8657587 S11/G02 F 222,000.00 ZZ 180 221,211.95 1 5.625 1,828.68 47 5.375 1,828.68 FULLERTON CA 92831 2 04/09/03 00 0435742465 05 06/01/03 0 10211423 O 05/01/18 0 8657595 K60/G02 F 113,450.00 ZZ 180 113,025.55 1 5.000 897.16 45 4.750 897.16 FORT WORTH TX 76108 2 04/25/03 00 0435776349 05 06/01/03 0 1 0001054344 O 05/01/18 0 8657599 U19/G02 F 105,000.00 ZZ 180 104,615.31 1 5.250 844.07 35 5.000 844.07 UPLAND CA 91784 5 04/25/03 00 0435784145 05 06/01/03 0 15150339 O 05/01/18 0 8657613 U85/G02 F 156,000.00 ZZ 180 155,446.23 2 5.625 1,285.02 80 5.375 1,285.02 LANNON WI 53046 1 04/28/03 00 0435759642 05 06/01/03 0 TQS1222 N 05/01/18 0 8657693 Q87/G02 F 45,000.00 ZZ 180 44,686.46 1 5.875 376.70 64 5.625 376.70 MOREHEAD KY 40351 5 04/15/03 00 0435758487 05 05/21/03 0 PEL001 O 04/21/18 0 8657695 624/G02 F 116,250.00 ZZ 180 115,837.33 2 5.625 957.59 73 5.375 957.59 VANCOUVER WA 98664 2 04/23/03 00 0435743521 05 06/01/03 0 1000026017 N 05/01/18 0 8657705 Q87/G02 F 232,200.00 ZZ 180 231,349.28 1 5.250 1,866.60 90 5.000 1,866.60 SATSUMA AL 36572 5 04/22/03 10 0435761093 05 06/01/03 12 TAJA03 O 05/01/18 0 1 8657727 B44/G02 F 89,000.00 ZZ 180 88,677.34 1 5.375 721.31 60 5.125 721.31 BOISE ID 83706 5 04/15/03 00 0435756630 05 06/01/03 0 4031250 O 05/01/18 0 8657741 E47/G02 F 138,000.00 ZZ 180 137,504.92 1 5.500 1,127.58 79 5.250 1,127.58 ELGIN IL 60123 2 04/21/03 00 0435759147 05 06/01/03 0 7360515520 O 05/01/18 0 8657791 144/144 F 429,500.00 ZZ 180 426,411.28 1 5.500 3,509.37 75 5.250 3,509.37 VERBANK NY 12585 5 03/12/03 00 KRALL 05 05/01/03 0 KRALL O 04/01/18 0 8657907 N74/G02 F 36,000.00 ZZ 180 35,745.44 1 5.750 298.95 80 5.500 298.95 WILKESBORO NC 28697 5 04/24/03 00 0435767926 05 05/29/03 0 0032249010 O 04/29/18 0 8658107 E22/G02 F 123,000.00 ZZ 180 122,558.74 1 5.500 1,005.01 75 5.250 1,005.01 ASHEVILLE NC 28805 2 04/23/03 00 0416875714 05 06/01/03 0 0416875714 O 05/01/18 0 8658135 E22/G02 F 243,200.00 ZZ 180 242,290.12 1 5.000 1,923.21 80 4.750 1,923.21 1 BROKEN ARROW OK 74014 2 04/25/03 00 0416890325 03 06/01/03 0 0416890325 O 05/01/18 0 8658233 E22/G02 F 98,000.00 ZZ 180 97,552.12 1 5.625 807.26 61 5.375 807.26 ORLANDO FL 32818 2 04/24/03 00 0415998285 05 06/01/03 0 0415998285 O 05/01/18 0 8658271 E22/G02 F 98,505.00 ZZ 180 98,155.32 4 5.625 811.42 90 5.375 811.42 BAY CITY MI 48708 1 04/30/03 04 0417029469 05 06/01/03 25 0417029469 N 05/01/18 0 8658289 E22/G02 F 215,000.00 ZZ 180 214,228.69 1 5.500 1,756.73 85 5.250 1,756.73 WASHINGTON MI 48094 2 04/25/03 01 0416409522 05 06/01/03 12 0416409522 O 05/01/18 0 8658305 E22/G02 F 116,000.00 ZZ 180 115,583.85 1 5.500 947.82 80 5.250 947.82 WOOLFORD MD 21677 5 04/25/03 00 0416435188 05 06/01/03 0 0416435188 O 05/01/18 0 8658311 E22/G02 F 188,000.00 ZZ 180 186,326.92 1 5.250 1,511.29 71 5.000 1,511.29 CHICAGO IL 60634 2 04/25/03 00 0416442408 05 06/01/03 0 0416442408 O 05/01/18 0 1 8658351 E22/G02 F 228,000.00 ZZ 180 227,199.17 1 5.750 1,893.33 37 5.500 1,893.33 CUPERTINO CA 95014 2 04/09/03 00 0416502425 05 06/01/03 0 0416502425 N 05/01/18 0 8658367 E22/G02 F 460,000.00 ZZ 180 458,332.28 1 5.375 3,728.14 80 5.125 3,728.14 COPPELL TX 75019 5 04/25/03 00 0416519239 03 06/01/03 0 0416519239 O 05/01/18 0 8658409 E22/G02 F 35,774.00 ZZ 180 35,647.01 1 5.625 294.68 84 5.375 294.68 NOBLE OK 73068 5 04/25/03 04 0416572188 05 06/01/03 6 0416572188 O 05/01/18 0 8658461 E22/G02 F 72,800.00 ZZ 180 72,549.67 1 6.000 614.33 80 5.750 614.33 SPRING TX 77388 5 04/25/03 00 0416642510 03 06/01/03 0 0416642510 O 05/01/18 0 8658569 E22/G02 F 57,100.00 ZZ 180 56,897.31 1 5.625 470.35 74 5.375 470.35 HARVEST AL 35749 5 04/25/03 00 0416754679 05 06/01/03 0 0416754679 O 05/01/18 0 8658657 E22/G02 F 355,000.00 ZZ 120 352,774.40 1 1 5.500 3,852.68 42 5.250 3,852.68 ORANGE CA 92869 5 04/16/03 00 0416396091 03 06/01/03 0 0416396091 O 05/01/13 0 8658671 E22/G02 F 50,000.00 ZZ 180 49,824.37 1 5.750 415.21 54 5.500 415.21 HOUSTON TX 77072 5 04/25/03 00 0416305217 03 06/01/03 0 0416305217 O 05/01/18 0 8658773 E82/G02 F 140,000.00 ZZ 180 140,000.00 1 5.625 1,153.22 49 5.375 1,153.22 ALISO VIEJO CA 92656 2 04/25/03 00 0400807285 01 07/01/03 0 0400807285 O 06/01/18 0 8658811 E82/G02 F 68,500.00 ZZ 180 65,682.90 2 5.875 573.43 52 5.625 573.43 MANTECA CA 95337 2 04/24/03 00 0400776951 05 06/01/03 0 0400776951 N 05/01/18 0 8658827 E22/G02 F 184,000.00 ZZ 180 183,339.90 1 5.500 1,503.43 80 5.250 1,503.43 WESTMINSTER CO 80030 5 04/25/03 00 0416634848 05 06/01/03 0 0416634848 O 05/01/18 0 8658849 E22/G02 F 60,000.00 ZZ 180 59,789.25 1 5.750 498.25 42 5.500 498.25 ROYAL OAK MI 48068 5 04/30/03 00 0416663318 05 06/01/03 0 1 0416663318 N 05/01/18 0 8658857 E82/G02 F 69,200.00 ZZ 180 68,962.05 4 6.000 583.95 49 5.750 583.95 MARRERO LA 70072 2 04/29/03 00 0400814604 05 06/01/03 0 0400814604 N 05/01/18 0 8658863 E82/G02 F 72,400.00 ZZ 180 72,148.39 4 5.875 606.07 51 5.625 606.07 GRETNA LA 70056 2 04/29/03 00 0400814596 05 06/01/03 0 0400814596 N 05/01/18 0 8658891 E82/G02 F 150,000.00 ZZ 180 149,500.50 2 6.375 1,296.38 75 6.125 1,296.38 COLLEGE STATION TX 77845 2 04/28/03 00 0400740874 05 06/01/03 0 0400740874 N 05/01/18 0 8658921 E22/G02 F 81,000.00 ZZ 180 80,715.50 1 5.750 672.63 65 5.500 672.63 WESTERVILLE OH 43068 2 04/30/03 00 0416691038 05 06/01/03 0 0416691038 N 05/01/18 0 8658931 E22/G02 F 245,500.00 ZZ 180 244,609.95 1 5.375 1,989.69 68 5.125 1,989.69 GEORGETOWN TX 78628 5 04/25/03 00 0416691269 03 06/01/03 0 0416691269 O 05/01/18 0 1 8658981 E22/G02 F 235,000.00 ZZ 180 234,174.58 1 5.750 1,951.46 68 5.500 1,951.46 SOMERSET NJ 08873 2 04/25/03 00 0416780054 05 06/01/03 0 0416780054 O 05/01/18 0 8658989 E22/G02 F 89,590.00 ZZ 180 89,265.19 1 5.375 726.10 52 5.125 726.10 PLANO TX 75075 5 04/25/03 00 0416784056 05 06/01/03 0 0416784056 O 05/01/18 0 8659133 Y23/G02 F 84,000.00 TX 180 83,708.07 1 5.875 703.18 80 5.625 703.18 HUBBARD TX 76648 5 04/25/03 00 0435888169 05 06/01/03 0 1000202528 O 05/01/18 0 8659179 Y23/G02 F 100,000.00 TX 180 99,645.01 1 5.625 823.74 77 5.375 823.74 RICHMOND TX 77469 5 04/25/03 00 0435873633 03 06/01/03 0 1000199176 O 05/01/18 0 8659399 N74/G02 F 90,000.00 ZZ 180 89,673.71 1 5.375 729.42 79 5.125 729.42 DANVILLE VA 24541 2 04/25/03 00 0435756499 05 06/15/03 0 0032270010 O 05/15/18 0 8659455 N74/G02 F 108,000.00 ZZ 180 107,612.55 1 5.500 882.45 78 5.250 882.45 1 REIDSVILLE NC 27320 5 04/25/03 00 0435756465 05 06/01/03 0 0032238010 O 05/01/18 0 8659493 X51/G02 F 529,000.00 ZZ 180 527,102.21 1 5.500 4,322.37 76 5.250 4,322.37 CARLSBAD CA 92008 2 04/25/03 00 0435755780 05 06/01/03 0 0030410003 O 05/01/18 0 8660373 X44/G02 F 168,000.00 ZZ 180 167,409.91 1 5.750 1,395.09 36 5.500 1,395.09 MILLBROOK NY 12545 5 04/25/03 00 0435792122 05 06/01/03 0 0706953 O 05/01/18 0 8660719 E84/G02 F 148,200.00 ZZ 180 147,156.42 1 5.750 1,230.67 65 5.500 1,230.67 GLENVIEW IL 60025 5 03/27/03 00 0435891353 01 05/01/03 0 11015748 O 04/01/18 0 8660861 U05/G02 F 85,000.00 ZZ 180 84,701.44 1 5.750 705.85 65 5.500 705.85 OAKDALE CA 95361 5 04/01/03 00 0435762356 05 06/01/03 0 3328874 O 05/01/18 0 8660867 U05/G02 F 133,000.00 ZZ 180 132,537.78 1 5.875 1,113.37 72 5.625 1,113.37 COMMERCE CA 90040 2 04/07/03 00 0435751896 05 06/01/03 0 3330475 O 05/01/18 0 1 8660873 U05/G02 F 92,200.00 ZZ 180 91,879.58 1 5.875 771.82 49 5.625 771.82 VAN NUYS AREA CA 91405 5 04/03/03 00 0435755061 01 06/01/03 0 3316972 O 05/01/18 0 8661147 Q14/G02 F 106,400.00 ZZ 180 106,014.24 1 5.375 862.34 78 5.125 862.34 TONGANOXIE KS 66086 2 04/22/03 00 0435746649 05 06/01/03 0 0000312371 O 05/01/18 0 8661161 E33/G02 F 500,000.00 ZZ 180 498,187.25 1 5.375 4,052.33 80 5.125 4,052.33 GLENVIEW IL 60025 1 04/25/03 00 0435758602 03 06/01/03 0 795881 O 05/01/18 0 8661863 Q14/G02 F 88,500.00 ZZ 180 88,175.76 1 5.250 711.43 74 5.000 711.43 DES MOINES IA 50310 5 04/22/03 00 0435748082 05 06/01/03 0 00003-12293 O 05/01/18 0 8661937 W84/G02 F 380,000.00 ZZ 180 378,636.75 1 5.500 3,104.92 80 5.250 3,104.92 SALT LAKE UT 84109 5 04/14/03 00 0435776711 05 06/01/03 0 10076476 O 05/01/18 0 8661971 W35/G02 F 174,000.00 ZZ 180 173,349.02 1 1 5.000 1,375.98 54 4.750 1,375.98 CHELMSFORD MA 01824 5 04/25/03 00 0435753546 05 06/01/03 0 19293 O 05/01/18 0 8662183 X90/G02 F 117,000.00 ZZ 180 116,584.67 1 5.625 963.77 33 5.375 963.77 RICHMOND CA 94806 5 04/23/03 00 0435791488 05 06/01/03 0 90304058 O 05/01/18 0 8662349 U96/G02 F 540,000.00 ZZ 180 538,021.56 1 5.250 4,340.94 75 5.000 4,340.94 KAILUA HI 96734 5 04/16/03 00 0435817721 05 06/01/03 0 30200419 O 05/01/18 0 8662461 N74/G02 F 158,000.00 ZZ 180 156,863.76 1 5.500 1,290.99 93 5.250 1,290.99 MOCKSVILLE NC 27028 2 04/17/03 10 0435757430 05 05/23/03 30 0032226010 O 04/23/18 0 8662485 N74/G02 F 55,000.00 ZZ 180 54,620.81 1 6.000 464.12 95 5.750 464.12 MEMPHIS TN 38108 2 04/24/03 10 0435760210 05 05/29/03 30 0032247010 O 04/29/18 0 8662533 477/G02 F 124,600.00 ZZ 180 124,157.69 1 5.625 1,026.37 89 5.375 1,026.37 FRESNO CA 93268 2 04/11/03 10 0435766936 05 06/01/03 17 1 248509 O 05/01/18 0 8662545 K15/G02 F 130,000.00 ZZ 180 129,538.53 1 5.625 1,070.85 59 5.375 1,070.85 CENTER OSSIPEE NH 03814 5 04/24/03 00 0435750484 05 06/01/03 0 033305514322 O 05/01/18 0 8662549 K15/G02 F 155,000.00 ZZ 180 154,443.94 1 5.500 1,266.48 80 5.250 1,266.48 LEBANON ME 04027 5 04/24/03 00 0435751789 05 06/01/03 0 007105514463 O 05/01/18 0 8662611 T23/G02 F 85,200.00 T 180 84,884.55 1 5.125 679.32 60 4.875 679.32 MILLERSPORT OH 43046 1 04/25/03 00 0435804588 05 06/01/03 0 6339 O 05/01/18 0 8662719 M27/G02 F 210,800.00 ZZ 180 210,043.76 1 5.500 1,722.41 80 5.250 1,722.41 COLLIERVILLE TN 38017 1 04/25/03 00 0435879952 03 06/01/03 0 600906992 O 05/01/18 0 8663611 975/G02 F 129,500.00 ZZ 180 129,030.50 1 5.375 1,049.55 47 5.125 1,049.55 LA HABRA CA 90631 2 04/09/03 00 0435768452 05 06/01/03 0 2031851 O 05/01/18 0 1 8663697 N74/G02 F 149,000.00 ZZ 180 148,482.17 1 5.875 1,247.31 53 5.625 1,247.31 PROVIDENCE NC 27315 5 04/23/03 00 0435779202 05 06/01/03 0 0032242010 O 05/01/18 0 8663807 E22/G02 F 38,250.00 ZZ 180 38,118.47 1 6.000 322.78 75 5.750 322.78 MORRISTOWN TN 37813 5 05/01/03 00 0416724912 05 06/01/03 0 0416724912 N 05/01/18 0 8664011 E22/G02 F 39,750.00 ZZ 180 39,613.32 1 6.000 335.43 75 5.750 335.43 MORRISTOWN TN 37814 5 05/01/03 00 0416953313 05 06/01/03 0 0416953313 N 05/01/18 0 8664063 E82/G02 F 123,500.00 ZZ 180 123,500.00 1 5.375 1,000.92 58 5.125 1,000.92 CASPER WY 82601 2 04/29/03 00 0400824892 05 07/01/03 0 0400824892 O 06/01/18 0 8664065 E82/G02 F 98,200.00 ZZ 180 97,843.97 1 5.375 795.88 29 5.125 795.88 WALTHAM MA 02452 2 04/28/03 00 0400822052 05 06/01/03 0 0400822052 O 05/01/18 0 8664069 E82/G02 F 75,500.00 ZZ 180 75,500.00 2 6.375 652.51 27 6.125 652.51 1 UNION BEACH NJ 07735 2 05/02/03 00 0400799979 05 07/01/03 0 0400799979 N 06/01/18 0 8664079 E82/G02 F 85,050.00 ZZ 180 85,050.00 1 5.500 694.93 76 5.250 694.93 METAIRIE LA 70005 2 04/29/03 00 0400820841 05 07/01/03 0 0400820841 O 06/01/18 0 8664133 N74/G02 F 78,750.00 ZZ 120 78,256.30 2 5.500 854.64 90 5.250 854.64 LITTLE ROCK AR 72205 5 04/23/03 10 0435779095 05 06/01/03 25 0032245010 O 05/01/13 0 8664179 N74/G02 F 48,600.00 ZZ 120 48,005.40 1 6.000 539.56 90 5.750 539.56 HOPE AR 71801 5 04/17/03 10 0435757422 05 05/23/03 25 0032227010 O 04/23/13 0 8664183 M27/G02 F 252,500.00 ZZ 180 251,574.90 1 5.250 2,029.79 39 5.000 2,029.79 CHAPEL HILL NC 27514 2 04/24/03 00 0435801444 03 06/01/03 0 0100019369 O 05/01/18 0 8664225 U05/G02 F 267,000.00 TX 180 266,062.19 1 5.750 2,217.19 80 5.500 2,217.19 SUGARLAND TX 77478 5 04/21/03 00 0435774286 05 06/01/03 0 3330380 O 05/01/18 0 1 8664343 940/G02 F 200,419.00 ZZ 180 199,700.00 1 5.500 1,637.59 71 5.250 1,637.59 PALMDALE CA 93552 2 04/23/03 00 0435794227 05 06/01/03 0 40030514 O 05/01/18 0 8664345 N74/G02 F 112,500.00 ZZ 180 111,716.13 1 5.875 941.76 94 5.625 941.76 RINGGOLD VA 24586 5 04/25/03 10 0435757448 05 05/30/03 30 0032262010 O 04/30/18 0 8664387 U05/G02 F 320,000.00 TX 180 318,887.89 1 5.875 2,678.78 80 5.625 2,678.78 ITALY TX 76651 5 04/17/03 00 0435784418 05 06/01/03 0 3336508 O 05/01/18 0 8664445 M24/G02 F 640,000.00 ZZ 180 637,679.69 1 5.375 5,186.98 69 5.125 5,186.98 YORBA LINDA CA 92886 2 04/17/03 00 0435783998 05 06/01/03 0 201210579 O 05/01/18 0 8664553 U05/G02 F 427,000.00 TX 180 425,531.73 1 6.000 3,603.27 70 5.750 3,603.27 BELLVILLE TX 77418 5 04/22/03 00 0435781489 05 06/01/03 0 3287531 O 05/01/18 0 8664757 U05/G02 F 115,000.00 TX 180 114,600.33 1 1 5.875 962.69 48 5.625 962.69 ROANOKE TX 76262 5 04/15/03 00 0435761051 05 06/01/03 0 3338295 O 05/01/18 0 8665019 562/G02 F 68,500.00 ZZ 180 68,259.39 1 5.750 568.84 43 5.500 568.84 BRIDGEPORT CT 06605 2 04/25/03 00 0435843560 05 06/01/03 0 297071335 O 05/01/18 0 8665933 T29/G02 F 74,000.00 ZZ 180 73,731.72 1 5.375 599.74 62 5.125 599.74 CAREFREE AZ 85331 2 04/23/03 00 0435747894 01 06/01/03 0 1535554 O 05/01/18 0 8665973 K15/G02 F 66,000.00 ZZ 180 65,580.00 1 6.000 556.95 71 5.750 556.95 FRANKLIN ME 04634 2 04/24/03 00 0435761440 05 06/01/03 0 007005515065 O 05/01/18 0 8665983 K15/G02 F 60,000.00 ZZ 180 59,795.88 1 6.125 510.37 75 5.875 510.37 HINSDALE NH 03451 5 04/24/03 00 0435766712 05 06/01/03 0 033305510390 N 05/01/18 0 8666423 737/G02 F 157,500.00 ZZ 180 156,952.63 1 5.875 1,318.46 90 5.625 1,318.46 LEAGUE CITY TX 77573 2 04/15/03 10 0435819149 05 06/01/03 25 1 6003752 O 05/01/18 0 8666435 U19/G02 F 81,000.00 ZZ 180 80,709.41 1 5.500 661.84 35 5.250 661.84 CASCADE CO 80809 2 04/25/03 00 0435858618 05 06/01/03 0 15150182 O 05/01/18 0 8666437 X78/G02 F 130,400.00 ZZ 180 129,922.24 1 5.250 1,048.26 80 5.000 1,048.26 NEW PORT RICHEY FL 34654 2 04/28/03 00 0435800081 05 06/01/03 0 990371 O 05/01/18 0 8666565 N74/G02 F 85,000.00 ZZ 180 84,698.27 1 5.625 700.17 90 5.375 700.17 CONWAY AR 72032 5 04/28/03 01 0435759626 05 06/02/03 25 003285010 O 05/02/18 0 8666597 U05/G02 F 140,000.00 ZZ 180 139,492.43 1 5.375 1,134.65 55 5.125 1,134.65 MILWAUKIE OR 97267 5 04/10/03 00 0435775622 05 06/01/03 0 3341180 O 05/01/18 0 8666743 A52/G02 F 136,000.00 ZZ 120 134,267.88 1 5.250 1,459.17 71 5.000 1,459.17 NASHVILLE TN 37211 2 04/23/03 00 0435763206 05 05/01/03 0 23619 O 04/01/13 0 1 8666793 N74/G02 F 197,020.80 ZZ 180 196,306.50 1 5.375 1,596.79 79 5.125 1,596.79 HYATTSVILLE MD 20783 5 04/28/03 00 0435757455 05 06/01/03 0 0032274010 O 05/01/18 0 8666835 K15/G02 F 167,400.00 ZZ 180 166,824.38 1 6.000 1,412.62 90 5.750 1,412.62 KEENE NH 03431 5 04/25/03 41 0435756234 05 06/01/03 12 033605513882 O 05/01/18 0 8666839 P09/G02 F 135,500.00 ZZ 180 135,013.89 1 5.500 1,107.15 52 5.250 1,107.15 SILVER SPRING MD 20902 2 04/22/03 00 0435774252 05 06/01/03 0 ROBERTS O 05/01/18 0 8666909 E84/G02 F 162,500.00 ZZ 180 161,319.07 1 5.375 1,317.01 60 5.125 1,317.01 BEAVERTON OR 97008 5 03/07/03 00 0435871934 05 05/01/03 0 60115314 O 04/01/18 0 8666933 X67/G02 F 128,000.00 ZZ 180 127,540.80 1 5.500 1,045.87 56 5.250 1,045.87 SOUTH GATE CA 90280 5 04/08/03 00 0435774757 05 06/01/03 0 00285057 O 05/01/18 0 8667233 E22/G02 F 100,000.00 ZZ 180 99,641.25 1 5.500 817.08 68 5.250 817.08 1 GREER SC 29651 2 05/02/03 00 0416283752 05 06/01/03 0 0416283752 N 05/01/18 0 8667239 E22/G02 F 47,300.00 ZZ 180 47,132.09 1 5.625 389.63 66 5.375 389.63 GREER SC 29651 2 05/02/03 00 0416305472 05 06/01/03 0 0416305472 N 05/01/18 0 8667241 E22/G02 F 54,000.00 ZZ 180 52,701.23 1 5.500 441.23 73 5.250 441.23 GREER SC 29651 2 05/02/03 00 0416306108 05 06/01/03 0 0416306108 N 05/01/18 0 8667285 E22/G02 F 344,000.00 ZZ 180 342,765.90 1 5.500 2,810.77 80 5.250 2,810.77 CAMARILLO CA 93012 5 04/23/03 00 0416618528 05 06/01/03 0 0416618528 O 05/01/18 0 8667289 E22/G02 F 57,000.00 ZZ 180 56,797.66 1 5.625 469.53 95 5.375 469.53 SCOTTSBLUFF NE 69361 5 04/28/03 04 0416693976 05 06/01/03 30 0416693976 O 05/01/18 0 8667311 E22/G02 F 160,000.00 ZZ 180 159,413.80 1 5.250 1,286.20 75 5.000 1,286.20 FORT COLLINS CO 80525 5 04/28/03 00 0416711182 05 06/01/03 0 0416711182 O 05/01/18 0 1 8667321 E22/G02 F 140,500.00 ZZ 180 140,500.00 1 5.250 1,129.45 79 5.000 1,129.45 SACRAMENTO CA 95864 5 04/25/03 00 0416715639 05 07/01/03 0 0416715639 O 06/01/18 0 8667341 E22/G02 F 56,000.00 ZZ 180 55,758.73 1 6.000 472.56 80 5.750 472.56 REYNOLDS GA 31076 2 05/02/03 00 0416814259 05 06/01/03 0 0416814259 N 05/01/18 0 8667359 E22/G02 F 394,000.00 ZZ 180 394,000.00 1 5.125 3,141.44 79 4.875 3,141.44 SOUTHLAKE TX 76092 5 04/28/03 00 0416832723 05 07/01/03 0 0416832723 O 06/01/18 0 8667375 E22/G02 F 150,000.00 ZZ 180 149,473.13 1 5.750 1,245.62 48 5.500 1,245.62 PEQUANNOCK TOWN NJ 07444 5 04/28/03 00 0416857910 05 06/01/03 0 0416857910 O 05/01/18 0 8667381 E22/G02 F 81,200.00 ZZ 180 80,920.79 1 6.000 685.21 65 5.750 685.21 CHICAGO IL 60610 5 05/02/03 00 0416326981 06 06/01/03 0 0416326981 N 05/01/18 0 8667389 E22/G02 F 160,650.00 ZZ 180 160,073.67 1 1 5.500 1,312.64 90 5.250 1,312.64 SAND SPRINGS OK 74063 1 05/02/03 01 0416336725 03 06/01/03 25 0416336725 O 05/01/18 0 8667399 E22/G02 F 100,000.00 ZZ 180 99,637.45 1 5.375 810.47 23 5.125 810.47 SAN MATEO CA 94401 5 04/17/03 00 0416413888 05 06/01/03 0 0416413888 O 05/01/18 0 8667471 E22/G02 F 322,700.00 ZZ 180 321,517.70 1 5.250 2,594.11 60 5.000 2,594.11 BUFFALO GROVE IL 60089 2 04/28/03 00 0416659183 05 06/01/03 0 0416659183 O 05/01/18 0 8667479 E22/G02 F 151,992.00 ZZ 180 151,469.37 1 6.000 1,282.59 80 5.750 1,282.59 BANNING CA 92220 1 04/26/03 00 0416668622 05 06/01/03 0 0416668622 N 05/01/18 0 8667497 E22/G02 F 132,000.00 ZZ 180 131,541.25 1 5.875 1,105.00 66 5.625 1,105.00 KENYON MN 55946 5 04/28/03 00 0416751295 05 06/01/03 0 0416751295 O 05/01/18 0 8667531 E22/G02 F 182,000.00 ZZ 180 181,015.21 1 5.375 1,475.05 68 5.125 1,475.05 AKRON OH 44321 2 04/28/03 00 0416795870 05 06/01/03 0 1 0416795870 O 05/01/18 0 8667563 E22/G02 F 50,000.00 ZZ 180 49,829.90 1 6.125 425.31 61 5.875 425.31 LAWRENCEVILLE GA 30045 5 05/02/03 00 0416926855 05 06/01/03 0 0416926855 N 05/01/18 0 8667623 E82/G02 F 100,000.00 ZZ 180 99,641.25 1 5.500 817.08 25 5.250 817.08 MAHWAH NJ 07430 2 04/29/03 00 0400794319 05 06/01/03 0 0400794319 O 05/01/18 0 8667625 E82/G02 F 221,000.00 ZZ 180 221,000.00 2 5.750 1,835.21 58 5.500 1,835.21 AUSTIN TX 78705 2 05/02/03 00 0400782926 05 07/01/03 0 0400782926 N 06/01/18 0 8667633 E82/G02 F 60,300.00 ZZ 180 60,300.00 1 5.625 496.71 53 5.375 496.71 CANYON LAKE TX 78133 2 04/29/03 00 0400803896 01 07/01/03 0 0400803896 O 06/01/18 0 8667637 E82/G02 F 48,800.00 ZZ 180 48,800.00 1 6.000 411.80 72 5.750 411.80 LINCOLNTON NC 28092 2 04/30/03 00 0400825071 05 07/01/03 0 0400825071 O 06/01/18 0 1 8667643 E82/G02 F 63,500.00 ZZ 180 63,500.00 1 5.500 518.85 70 5.250 518.85 ARLINGTON TX 76013 2 04/30/03 00 0400801882 05 07/01/03 0 0400801882 O 06/01/18 0 8667647 E82/G02 F 40,000.00 ZZ 180 40,000.00 1 5.750 332.16 61 5.500 332.16 DALLAS TX 75240 2 05/01/03 00 0400782397 01 07/01/03 0 0400782397 O 06/01/18 0 8667665 E82/G02 F 197,000.00 ZZ 180 197,000.00 1 5.375 1,596.62 79 5.125 1,596.62 ARCADIA CA 91006 2 04/28/03 00 0400827648 05 07/01/03 0 0400827648 O 06/01/18 0 8667673 E82/G02 F 120,500.00 ZZ 180 120,500.00 1 5.500 984.59 54 5.250 984.59 PLAINSBORO NJ 08536 2 04/28/03 00 0400812202 05 07/01/03 0 0400812202 O 06/01/18 0 8667675 E82/G02 F 199,700.00 ZZ 180 199,700.00 1 5.375 1,618.50 80 5.125 1,618.50 PASO ROBLES CA 93446 2 04/28/03 00 0400826905 05 07/01/03 0 0400826905 O 06/01/18 0 8667683 E82/G02 F 127,000.00 ZZ 180 126,023.83 1 5.375 1,029.29 53 5.125 1,029.29 1 WESTERLY RI 02891 2 04/29/03 00 0400820155 05 06/01/03 0 0400820155 O 05/01/18 0 8667689 E82/G02 F 75,300.00 ZZ 180 75,300.00 1 6.750 666.34 46 6.500 666.34 MISSION VIEJO CA 92691 2 04/30/03 00 0400813903 01 07/01/03 0 0400813903 N 06/01/18 0 8667699 E82/G02 F 160,800.00 ZZ 180 160,800.00 1 5.375 1,303.23 33 5.125 1,303.23 NEW BALTIMORE MI 48047 2 05/01/03 00 0400828612 05 07/01/03 0 0400828612 O 06/01/18 0 8667937 Q14/G02 F 57,000.00 ZZ 180 56,797.64 1 5.875 477.16 95 5.625 477.16 WATERLOO IA 50703 5 04/23/03 01 0435750526 05 06/01/03 30 0000312195 O 05/01/18 0 8668187 Y44/G02 F 144,250.00 ZZ 180 143,721.50 1 5.250 1,159.59 74 5.000 1,159.59 PALM DESERT CA 92260 2 04/09/03 00 0435791058 05 06/01/03 0 04030330 O 05/01/18 0 8668367 642/G02 F 101,200.00 ZZ 180 100,833.10 1 5.375 820.19 80 5.125 820.19 CHOCTAW OK 73020 5 04/25/03 00 0435764550 05 06/01/03 0 03-3098-03 O 05/01/18 0 1 8668373 313/G02 F 385,000.00 ZZ 180 383,647.71 1 5.750 3,197.08 70 5.500 3,197.08 KENILWORTH IL 60043 1 04/29/03 00 0435838586 05 06/01/03 0 0009491739 N 05/01/18 0 8668737 X13/G02 F 108,800.00 ZZ 180 108,421.88 1 5.875 910.79 80 5.625 910.79 PORT SAINT LUCI FL 34953 5 04/25/03 00 0435810791 05 06/01/03 0 708191 O 05/01/18 0 8668815 W39/G02 F 73,600.00 TX 180 73,346.92 1 6.000 621.08 61 5.750 621.08 MILES TX 76861 5 04/28/03 00 0435787916 05 06/01/03 0 PNI32202 O 05/01/18 0 8668855 M27/G02 F 247,900.00 ZZ 180 246,937.01 1 5.375 2,009.14 80 5.125 2,009.14 NASHVILLE TN 37211 2 04/22/03 00 0435801477 03 06/01/03 0 600920951 O 05/01/18 0 8668945 X51/G02 F 302,000.00 ZZ 180 302,000.00 1 5.000 2,388.20 42 4.750 2,388.20 SALINAS CA 93908 2 05/01/03 00 0435766720 05 07/01/03 0 0030325004 O 06/01/18 0 8668951 X80/G02 F 154,000.00 ZZ 180 153,447.52 1 1 5.500 1,258.31 76 5.250 1,258.31 LOS ANGELES CA 90065 5 04/16/03 00 0435881875 05 06/01/03 0 1410159316 O 05/01/18 0 8668957 K15/G02 F 68,000.00 ZZ 180 67,766.18 1 6.000 573.82 38 5.750 573.82 CUMBERLAND RI 02864 5 04/24/03 00 0435764402 05 06/01/03 0 029705508369 O 05/01/18 0 8668983 K15/G02 F 59,900.00 ZZ 180 59,691.83 1 5.875 501.43 80 5.625 501.43 OWATONNA MN 55060 5 04/25/03 00 0435762554 05 06/01/03 0 013305515131 O 05/01/18 0 8669001 X64/G02 F 115,000.00 ZZ 120 114,269.28 1 5.250 1,233.85 46 5.000 1,233.85 SOUTHFIELD MI 48076 5 04/22/03 00 0435799671 05 06/01/03 0 0000007254 O 05/01/13 0 8669055 X64/G02 F 66,000.00 ZZ 180 65,765.72 1 5.625 543.66 55 5.375 543.66 ANN ARBOR MI 48103 2 04/24/03 00 0435837901 01 06/01/03 0 0000007519 N 05/01/18 0 8669065 X64/G02 F 84,000.00 ZZ 180 83,701.82 1 5.625 691.93 70 5.375 691.93 FARMINGTON MI 48334 5 04/24/03 00 0435774864 05 06/01/03 0 1 0000007520 N 05/01/18 0 8669111 T44/G02 F 172,000.00 ZZ 180 171,382.95 1 5.500 1,405.38 75 5.250 1,405.38 GOODLETTSVILLE TN 37072 5 04/03/03 00 0435765789 05 06/01/03 0 1073954 O 05/01/18 0 8669141 T44/G02 F 170,000.00 ZZ 180 169,402.88 1 5.750 1,411.70 51 5.500 1,411.70 SAN DIEGO CA 92120 5 04/21/03 00 0435810320 05 06/01/03 0 1074383 O 05/01/18 0 8669145 U05/G02 F 142,000.00 TX 180 141,506.50 1 5.875 1,188.71 80 5.625 1,188.71 HOUSTON TX 77073 5 04/09/03 00 0435769740 03 06/01/03 0 3337537 O 05/01/18 0 8669245 E84/G02 F 425,000.00 ZZ 180 423,442.90 1 5.250 3,416.48 61 5.000 3,416.48 LINCOLNWOOD IL 60712 2 04/04/03 00 0435883673 05 06/01/03 0 1101038350 O 05/01/18 0 8669249 N74/G02 F 573,000.00 ZZ 180 570,900.66 1 5.250 4,606.22 74 5.000 4,606.22 LITTLE ROCK AR 72212 5 04/28/03 00 0435861661 05 06/02/03 0 0032284010 O 05/02/18 0 1 8669257 Q30/G02 F 96,000.00 ZZ 180 95,655.60 1 5.500 784.40 80 5.250 784.40 BANGOR PA 18013 5 04/16/03 00 0435787635 05 06/01/03 0 21022152 O 05/01/18 0 8669291 E76/G02 F 88,000.00 ZZ 180 87,687.62 1 5.625 724.88 80 5.375 724.88 TAVARES FL 32778 5 04/30/03 00 0435753413 05 06/01/03 0 10023866 O 05/01/18 0 8669315 X67/X67 F 190,000.00 ZZ 180 189,303.88 2 5.250 1,527.37 61 5.000 1,527.37 BELL GARDENS CA 90201 2 04/17/03 00 00285408 05 06/01/03 0 00285408 O 05/01/18 0 8669395 E47/G02 F 110,700.00 ZZ 180 110,298.65 1 5.375 897.19 43 5.125 897.19 LAFAYETTE CO 80026 2 04/24/03 00 0435788138 05 06/01/03 0 7321011740 O 05/01/18 0 8669411 X67/X67 F 200,000.00 ZZ 180 199,267.24 1 5.250 1,607.76 51 5.000 1,607.76 GARDEN GROVE CA 92844 2 04/16/03 00 00285192 05 06/01/03 0 00285192 O 05/01/18 0 8669591 286/286 F 165,000.00 ZZ 180 163,790.58 1 5.750 1,370.18 49 5.500 1,370.18 1 SAN JOSE CA 95111 5 03/03/03 00 1996142 05 05/01/03 0 1996142 N 04/01/18 0 8669597 286/286 F 170,000.00 ZZ 180 168,764.56 1 5.375 1,377.80 57 5.125 1,377.80 ANAHEIM CA 92805 5 03/18/03 00 1999188 05 05/01/03 0 1999188 O 04/01/18 0 8669627 286/286 F 408,000.00 ZZ 180 405,028.56 1 5.500 3,333.71 60 5.250 3,333.71 CLAREMONT CA 91711 2 03/11/03 00 1901616 05 05/01/03 0 1901616 O 04/01/18 0 8669637 286/286 F 620,000.00 ZZ 180 615,541.30 1 5.500 5,065.92 16 5.250 5,065.92 DARIEN CT 06820 2 03/14/03 00 1979094 05 05/01/03 0 1979094 O 04/01/18 0 8669645 286/286 F 86,250.00 ZZ 180 85,680.16 1 6.500 751.34 75 6.250 751.34 ROCKVILLE MD 20852 5 03/21/03 00 1946473 01 05/01/03 0 1946473 N 04/01/18 0 8669653 286/286 F 601,500.00 ZZ 180 597,219.55 1 5.625 4,954.75 58 5.375 4,954.75 PLEASANTON CA 94588 2 03/10/03 00 1978603 05 05/01/03 0 1978603 O 04/01/18 0 1 8669665 286/286 F 240,000.00 ZZ 180 238,292.09 1 5.625 1,976.96 35 5.375 1,976.96 NEWTON MA 02459 2 03/21/03 00 2011874 05 05/01/03 0 2011874 O 04/01/18 0 8669671 286/286 F 161,000.00 ZZ 180 159,913.34 1 6.250 1,380.46 70 6.000 1,380.46 HOFFMAN ESTATES IL 60195 5 03/11/03 00 2070513 05 05/01/03 0 2070513 N 04/01/18 0 8669681 286/286 F 265,000.00 ZZ 180 263,153.55 3 5.875 2,218.37 73 5.625 2,218.37 OAK LAWN IL 60453 2 03/06/03 00 2043297 05 05/01/03 0 2043297 O 04/01/18 0 8669689 286/286 F 286,400.00 ZZ 180 284,361.89 1 5.625 2,359.17 80 5.375 2,359.17 ORANGE CA 92866 5 03/06/03 00 2028090 05 05/01/03 0 2028090 O 04/01/18 0 8669697 286/286 F 147,600.00 ZZ 180 146,635.24 4 6.625 1,295.92 90 6.375 1,295.92 EL PASO TX 79936 1 03/05/03 21 2092760 05 05/01/03 20 2092760 N 04/01/18 0 8669701 286/286 F 65,000.00 ZZ 180 64,575.13 1 1 6.625 570.70 77 6.375 570.70 JACKSONVILLE FL 32277 5 03/07/03 00 2110989 05 05/01/03 0 2110989 O 04/01/18 0 8669715 286/286 F 45,000.00 ZZ 180 44,520.17 1 6.500 392.00 37 6.250 392.00 LAKE ELSINORE CA 92530 5 02/24/03 00 1994241 05 04/01/03 0 1994241 N 03/01/18 0 8669725 286/286 F 65,500.00 ZZ 180 65,018.99 1 5.250 526.54 22 5.000 526.54 FORT WORTH TX 76103 2 03/12/03 00 2004678 05 05/01/03 0 2004678 O 04/01/18 0 8669737 286/286 F 86,200.00 ZZ 180 85,605.70 1 6.000 727.41 75 5.750 727.41 SUN CITY CA 92586 5 02/28/03 00 2004932 05 05/01/03 0 2004932 N 04/01/18 0 8669745 286/286 F 92,500.00 ZZ 180 91,888.87 3 6.500 805.78 47 6.250 805.78 OAKLAND PARK FL 33309 5 03/19/03 00 1962460 05 05/01/03 0 1962460 O 04/01/18 0 8669751 286/286 F 77,000.00 ZZ 180 74,642.30 1 5.625 634.28 69 5.375 634.28 RIVERSIDE CA 92509 2 03/13/03 00 1979443 05 05/01/03 0 1 1979443 N 04/01/18 0 8669763 286/286 F 254,950.00 ZZ 180 253,135.70 2 5.625 2,100.11 60 5.375 2,100.11 SANTA ROSA CA 95409 5 03/12/03 00 1938822 05 05/01/03 0 1938822 N 04/01/18 0 8669771 286/286 F 44,400.00 ZZ 180 44,090.61 1 5.875 371.69 78 5.625 371.69 MUNCIE IN 47303 2 03/11/03 00 2076608 05 05/01/03 0 2076608 N 04/01/18 0 8669777 286/286 F 100,000.00 ZZ 180 99,288.36 1 5.625 823.74 80 5.375 823.74 ALLENTOWN PA 18702 5 03/13/03 00 2103233 05 05/01/03 0 2103233 O 04/01/18 0 8669781 286/286 F 69,600.00 ZZ 180 69,115.04 1 5.875 582.64 56 5.625 582.64 PROVO UT 84601 2 03/06/03 00 2045898 01 05/01/03 0 2045898 N 04/01/18 0 8669785 286/286 F 91,800.00 ZZ 180 90,907.08 3 6.750 812.35 90 6.500 812.35 WATERBURY CT 06710 1 02/28/03 11 1883970 05 04/01/03 25 1883970 N 03/01/18 0 1 8669795 286/286 F 210,000.00 ZZ 180 207,776.52 1 5.750 1,743.87 80 5.500 1,743.87 PARK CITY UT 84098 5 02/25/03 00 2028109 05 04/01/03 0 2028109 O 03/01/18 0 8669797 286/286 F 38,500.00 ZZ 180 38,235.23 3 6.250 330.11 49 6.000 330.11 BLOOMINGOTN IL 61701 2 03/21/03 00 2046082 05 05/01/03 0 2046082 N 04/01/18 0 8669805 286/286 F 280,000.00 ZZ 180 278,007.44 1 5.625 2,306.45 51 5.375 2,306.45 FAIRFIELD CT 06430 5 03/10/03 00 2004482 05 05/01/03 0 2004482 O 04/01/18 0 8669817 286/286 F 57,000.00 ZZ 180 56,349.38 1 6.125 484.86 79 5.875 484.86 MEMPHIS TN 38111 5 02/28/03 00 2037105 05 04/01/03 0 2037105 N 03/01/18 0 8669825 286/286 F 128,000.00 ZZ 180 126,537.67 1 5.750 1,062.93 78 5.500 1,062.93 POOLER GA 31322 2 02/21/03 00 1919953 05 04/01/03 0 1919953 N 03/01/18 0 8669829 286/286 F 88,000.00 ZZ 180 87,373.76 1 5.625 724.89 80 5.375 724.89 1 WINTER PARK FL 32792 2 03/14/03 00 1979776 05 05/01/03 0 1979776 N 04/01/18 0 8669841 286/286 F 50,200.00 ZZ 180 49,837.61 1 6.125 427.02 60 5.875 427.02 SAINT JOSEPH IL 61873 5 03/20/03 00 2046643 05 05/01/03 0 2046643 N 04/01/18 0 8669849 286/286 F 158,400.00 ZZ 180 157,260.86 1 5.500 1,294.27 80 5.250 1,294.27 FREEPORT MN 56331 2 03/21/03 00 2102809 05 05/01/03 0 2102809 O 04/01/18 0 8669853 286/286 F 202,000.00 ZZ 180 200,461.20 1 6.000 1,704.60 73 5.750 1,704.60 MIAMI FL 33196 2 03/06/03 00 1970465 05 05/01/03 0 1970465 O 04/01/18 0 8669873 286/286 F 600,000.00 ZZ 180 593,396.93 1 5.750 4,982.47 48 5.500 4,982.47 WESTON CT 06883 5 02/28/03 00 1970720 05 04/01/03 0 1970720 O 03/01/18 0 8669881 286/286 F 385,000.00 ZZ 180 382,260.23 1 5.625 3,171.37 60 5.375 3,171.37 LAFAYETTE CA 94549 2 03/03/03 00 2053509 05 05/01/03 0 2053509 O 04/01/18 0 1 8669891 286/286 F 49,000.00 ZZ 180 48,651.30 1 5.625 403.63 45 5.375 403.63 GARLAND TX 75043 2 03/10/03 00 1898085 05 05/01/03 0 1898085 N 04/01/18 0 8669897 286/286 F 53,000.00 ZZ 180 52,618.85 1 5.500 433.06 53 5.250 433.06 GARLAND TX 75043 2 03/10/03 00 1898141 05 05/01/03 0 1898141 N 04/01/18 0 8669933 286/286 F 145,000.00 ZZ 180 143,968.12 1 5.625 1,194.42 55 5.375 1,194.42 CORAL SPRINGS FL 33071 5 03/21/03 00 2161019 05 05/01/03 0 2161019 O 04/01/18 0 8669937 286/286 F 399,000.00 ZZ 180 393,710.87 1 5.750 3,313.34 80 5.500 3,313.34 PHOENIX AZ 85048 2 02/11/03 00 1962883 05 04/01/03 0 1962883 O 03/01/18 0 8669951 286/286 F 650,000.00 ZZ 180 643,045.35 1 5.625 5,354.26 50 5.375 5,354.26 WESTPORT CT 06880 5 02/27/03 00 2004294 05 04/01/03 0 2004294 O 03/01/18 0 8669957 286/286 F 54,000.00 ZZ 180 53,616.91 1 1 5.750 448.43 67 5.500 448.43 TUCSON AZ 85737 1 03/12/03 00 2098765 05 05/01/03 0 2098765 O 04/01/18 0 8669963 286/286 F 420,000.00 ZZ 180 415,599.57 1 5.875 3,515.90 53 5.625 3,515.90 PACIFIC PALISAD CA 90272 5 02/18/03 00 1942989 05 04/01/03 0 1942989 O 03/01/18 0 8669969 286/286 F 168,750.00 ZZ 180 166,411.49 4 6.000 1,424.01 75 5.750 1,424.01 LAS VEGAS NV 89115 2 01/31/03 00 1985077 05 03/01/03 0 1985077 N 02/01/18 0 8669979 286/286 F 221,500.00 ZZ 180 219,956.65 1 5.875 1,854.22 78 5.625 1,854.22 CHOCTAW OK 73020 2 03/17/03 00 1885730 05 05/01/03 0 1885730 O 04/01/18 0 8670029 286/286 F 64,000.00 ZZ 180 63,549.32 1 5.750 531.47 79 5.500 531.47 TOLONO IL 61880 5 03/20/03 00 1899180 05 05/01/03 0 1899180 N 04/01/18 0 8670039 286/286 F 132,000.00 ZZ 180 130,749.33 1 5.500 1,078.56 80 5.250 1,078.56 GAHANNA OH 43230 5 03/05/03 00 1975643 05 05/01/03 0 1 1975643 O 04/01/18 0 8670049 286/286 F 64,500.00 ZZ 180 63,973.32 1 6.500 561.87 75 6.250 561.87 WICHITA KS 67226 2 03/17/03 00 2076630 05 05/01/03 0 2076630 N 04/01/18 0 8670063 286/286 F 56,000.00 ZZ 180 55,529.46 1 6.500 487.83 58 6.250 487.83 WICHITA KS 67226 5 03/17/03 00 2079418 05 05/01/03 0 2079418 N 04/01/18 0 8670069 286/286 F 64,800.00 ZZ 180 64,362.62 1 6.250 555.62 80 6.000 555.62 CHAMPAIGN IL 61821 2 03/25/03 00 2058073 05 05/01/03 0 2058073 N 04/01/18 0 8670075 286/286 F 243,000.00 ZZ 180 241,377.32 4 6.375 2,100.13 89 6.125 2,100.13 SAN ANTONIO TX 78239 1 03/14/03 11 1754174 05 05/01/03 12 1754174 N 04/01/18 0 8670089 286/286 F 61,500.00 ZZ 180 61,098.01 1 6.625 539.97 80 6.375 539.97 PENSACOLA FL 32506 5 03/04/03 00 1850217 05 05/01/03 0 1850217 O 04/01/18 0 1 8670095 286/286 F 49,600.00 ZZ 180 49,258.03 1 6.000 418.56 80 5.750 418.56 GREENFIELD IN 46140 1 03/14/03 00 2017512 05 05/01/03 0 2017512 N 04/01/18 0 8670103 286/286 F 50,000.00 ZZ 180 49,655.28 1 6.000 421.93 67 5.750 421.93 INDIANAPOLIS IN 46203 5 03/14/03 00 2017523 05 05/01/03 0 2017523 N 04/01/18 0 8670111 286/286 F 54,000.00 ZZ 180 53,627.69 2 6.000 455.69 60 5.750 455.69 INDIANAPOLIS IN 46203 2 03/14/03 00 2017531 05 05/01/03 0 2017531 N 04/01/18 0 8670137 286/286 F 225,000.00 ZZ 180 223,181.46 1 5.500 1,838.44 56 5.250 1,838.44 NORTH BRUNSWICK NJ 08902 5 03/19/03 00 1460810 05 05/01/03 0 1460810 O 04/01/18 0 8670145 286/286 F 149,350.00 ZZ 180 148,264.62 1 5.375 1,210.44 80 5.125 1,210.44 HANAHAN SC 29406 1 03/14/03 00 1891787 05 05/01/03 0 1891787 O 04/01/18 0 8670169 286/286 F 393,000.00 ZZ 180 390,043.98 1 5.375 3,185.13 60 5.125 3,185.13 1 SOUTHBURY CT 06488 2 03/07/03 00 2009568 05 05/01/03 0 2009568 O 04/01/18 0 8670183 286/286 F 124,000.00 ZZ 180 123,089.39 1 5.250 996.81 74 5.000 996.81 GREAT BARRINGTO MA 01230 5 03/11/03 00 2018576 05 05/01/03 0 2018576 O 04/01/18 0 8670193 286/286 F 100,000.00 ZZ 180 99,317.84 1 6.125 850.63 49 5.875 850.63 BROOKFIELD CT 06804 5 03/07/03 00 1993747 05 05/01/03 0 1993747 O 04/01/18 0 8670199 286/286 F 71,000.00 ZZ 180 70,263.91 1 6.000 599.14 59 5.750 599.14 PHOENIX AZ 85019 5 03/03/03 00 2066912 05 04/01/03 0 2066912 N 03/01/18 0 8670207 286/286 F 43,000.00 ZZ 180 42,568.14 1 6.375 371.63 56 6.125 371.63 LANSING MI 48910 2 02/05/03 00 2039949 05 04/01/03 0 2039949 O 03/01/18 0 8670215 286/286 F 244,000.00 ZZ 180 239,684.50 1 5.250 1,961.47 49 5.000 1,961.47 POTOMAC MD 20854 5 03/21/03 00 2018432 05 05/01/03 0 2018432 O 04/01/18 0 1 8670227 286/286 F 229,000.00 ZZ 180 227,303.89 1 5.875 1,917.01 79 5.625 1,917.01 CHATSWORTH CA 91311 5 03/14/03 00 2024432 05 05/01/03 0 2024432 O 04/01/18 0 8670231 286/286 F 28,800.00 ZZ 180 28,603.54 1 6.125 244.98 90 5.875 244.98 RANTOUL IL 61866 1 03/20/03 12 2058888 05 05/01/03 20 2058888 N 04/01/18 0 8670239 286/286 F 56,000.00 ZZ 180 55,352.10 1 5.500 457.57 28 5.250 457.57 HAMILTON OH 45013 2 02/28/03 00 2034136 05 04/01/03 0 2034136 O 03/01/18 0 8670245 286/286 F 92,250.00 ZZ 180 91,600.39 1 5.750 766.06 75 5.500 766.06 ALBUQUERQUE NM 87114 5 03/20/03 00 2155468 05 05/01/03 0 2155468 N 04/01/18 0 8670249 286/286 F 450,000.00 ZZ 180 445,185.23 1 5.625 3,706.80 32 5.375 3,706.80 OAKLAND CA 94618 2 02/27/03 00 1975138 05 04/01/03 0 1975138 O 03/01/18 0 8670265 286/286 F 94,000.00 ZZ 180 92,973.02 1 1 5.375 761.84 78 5.125 761.84 ANGOLA IN 46703 2 02/28/03 00 1926479 05 04/01/03 0 1926479 O 03/01/18 0 8670271 286/286 F 50,000.00 ZZ 180 49,476.14 1 5.875 418.56 70 5.625 418.56 ROANOKE VA 24017 5 02/28/03 00 1944757 05 04/01/03 0 1944757 N 03/01/18 0 8670275 286/286 F 292,000.00 ZZ 180 289,743.94 1 5.375 2,366.56 56 5.125 2,366.56 EL CAJON CA 92019 2 03/07/03 00 1817450 05 05/01/03 0 1817450 O 04/01/18 0 8670281 286/286 F 600,000.00 ZZ 180 595,819.35 1 5.875 5,022.72 29 5.625 5,022.72 HILLSBOROUGH CA 94010 2 03/06/03 00 1983162 05 05/01/03 0 1983162 O 04/01/18 0 8670285 286/286 F 36,850.00 ZZ 180 36,540.54 1 5.625 303.55 51 5.375 303.55 CHAMPAIGN IL 61820 2 03/07/03 00 2008404 05 05/01/03 0 2008404 N 04/01/18 0 8670293 286/286 F 32,850.00 ZZ 180 32,632.97 2 6.500 286.16 90 6.250 286.16 PITTSBURGH PA 15206 1 03/13/03 11 1999924 05 05/01/03 12 1 1999924 N 04/01/18 0 8670297 286/286 F 200,000.00 T 180 198,576.73 1 5.625 1,647.47 60 5.375 1,647.47 GARDEN GROVE CA 92843 5 03/11/03 00 1962991 05 05/01/03 0 1962991 O 04/01/18 0 8670307 286/286 F 74,900.00 ZZ 180 74,304.62 3 6.500 652.46 70 6.250 652.46 PHILADELPHIA PA 19145 1 03/21/03 00 2029465 05 05/01/03 0 2029465 N 04/01/18 0 8670313 286/286 F 372,800.00 ZZ 180 370,174.85 1 5.750 3,095.77 80 5.500 3,095.77 SCOTTSDALE AZ 85255 5 03/10/03 00 2009870 05 05/01/03 0 2009870 O 04/01/18 0 8670315 286/286 F 151,300.00 ZZ 180 149,714.78 1 5.875 1,266.57 85 5.625 1,266.57 TWINSBURG OH 44087 5 02/28/03 21 2052062 05 04/01/03 25 2052062 O 03/01/18 0 8670323 286/286 F 95,000.00 ZZ 180 94,331.04 1 5.750 788.89 47 5.500 788.89 ST PAUL MN 55105 5 03/07/03 00 2032406 05 05/01/03 0 2032406 O 04/01/18 0 1 8670329 286/286 F 131,500.00 ZZ 180 130,150.99 1 6.125 1,118.58 66 5.875 1,118.58 ENGLEWOOD CO 80110 2 02/28/03 00 2056619 05 04/01/03 0 2056619 N 03/01/18 0 8670351 286/286 F 100,000.00 T 180 98,835.70 1 5.500 817.09 40 5.250 817.09 HANA HI 96713 5 02/17/03 00 2004694 05 04/01/03 0 2004694 O 03/01/18 0 8670357 286/286 F 81,840.00 ZZ 180 81,269.75 2 5.875 685.10 72 5.625 685.10 TROTWOOD OH 45426 2 03/10/03 00 2018138 05 05/01/03 0 2018138 N 04/01/18 0 8670365 286/286 F 82,200.00 ZZ 180 81,627.24 2 5.875 688.12 72 5.625 688.12 TROTWOOD OH 45426 2 03/10/03 00 2018147 05 05/01/03 0 2018147 N 04/01/18 0 8670369 286/286 F 81,800.00 ZZ 180 81,230.03 2 5.875 684.77 72 5.625 684.77 TROTWOOD OH 45426 2 03/10/03 00 2018159 05 05/01/03 0 2018159 N 04/01/18 0 8670379 286/286 F 75,500.00 ZZ 180 74,864.00 3 5.625 621.92 59 5.375 621.92 1 PROVIDENCE RI 02904 2 03/19/03 00 2151725 05 05/01/03 0 2151725 O 04/01/18 0 8670385 286/286 F 77,700.00 ZZ 180 76,894.44 1 6.000 655.68 80 5.750 655.68 COVINGTON TN 38019 2 02/20/03 00 1848081 05 04/01/03 0 1848081 N 03/01/18 0 8672757 E22/G02 F 480,000.00 ZZ 180 478,259.77 1 5.375 3,890.23 80 5.125 3,890.23 LEANDER TX 78641 5 04/29/03 00 0416337228 05 06/01/03 0 0416337228 O 05/01/18 0 8672769 E22/G02 F 133,700.00 ZZ 180 133,220.35 1 5.500 1,092.44 70 5.250 1,092.44 MANCHESTER MD 21102 5 04/29/03 00 0416390870 05 06/01/03 0 0416390870 O 05/01/18 0 8672775 E22/G02 F 127,000.00 ZZ 180 126,563.30 1 6.000 1,071.70 21 5.750 1,071.70 REDWOOD CITY CA 94061 5 04/24/03 00 0416417319 05 06/01/03 0 0416417319 N 05/01/18 0 8672785 E22/G02 F 204,000.00 ZZ 180 203,291.03 1 5.875 1,707.72 62 5.625 1,707.72 SILVER SPRING MD 20901 2 05/05/03 00 0416481257 05 06/01/03 0 0416481257 N 05/01/18 0 1 8672813 E22/G02 F 280,000.00 ZZ 180 278,995.50 1 5.500 2,287.83 63 5.250 2,287.83 BURBANK CA 91501 5 04/24/03 00 0416555654 05 06/01/03 0 0416555654 O 05/01/18 0 8672817 E22/G02 F 443,000.00 ZZ 180 441,410.74 1 5.500 3,619.68 85 5.250 3,619.68 MORRIS TOWNSHIP NJ 07960 2 04/30/03 11 0416559482 05 06/01/03 6 0416559482 O 05/01/18 0 8672823 E22/G02 F 90,000.00 ZZ 180 89,677.12 1 5.500 735.38 72 5.250 735.38 LANCASTER CA 93550 2 04/30/03 00 0416563716 05 06/01/03 0 0416563716 N 05/01/18 0 8672835 E22/G02 F 260,000.00 ZZ 180 259,086.76 1 5.750 2,159.07 50 5.500 2,159.07 PALATINE IL 60067 5 04/30/03 00 0416591402 05 06/01/03 0 0416591402 O 05/01/18 0 8672839 E22/G02 F 103,500.00 ZZ 180 103,136.47 1 5.750 859.47 63 5.500 859.47 PLANO TX 75023 5 04/30/03 00 0416596658 05 06/01/03 0 0416596658 O 05/01/18 0 8672873 E22/G02 F 70,000.00 ZZ 180 70,000.00 1 1 6.125 595.44 52 5.875 595.44 ELKRIDGE MD 21146 2 05/05/03 00 0416636025 05 07/01/03 0 0416636025 N 06/01/18 0 8672903 E22/G02 F 314,000.00 ZZ 180 312,861.60 1 5.375 2,544.86 59 5.125 2,544.86 SIGNAL HILL CA 90755 2 04/22/03 00 0416668481 05 06/01/03 0 0416668481 O 05/01/18 0 8672905 E22/G02 F 74,000.00 ZZ 180 74,000.00 1 6.125 629.46 72 5.875 629.46 FAIRFIELD MT 59436 5 04/30/03 00 0416668952 05 07/01/03 0 0416668952 O 06/01/18 0 8672909 E22/G02 F 308,000.00 ZZ 180 306,918.17 1 5.750 2,557.66 80 5.500 2,557.66 CLARKSTON MI 48346 5 04/30/03 00 0416675288 05 06/01/03 0 0416675288 O 05/01/18 0 8672917 E22/G02 F 69,300.00 ZZ 180 69,053.99 1 5.625 570.85 54 5.375 570.85 HOUSTON TX 77062 2 04/29/03 00 0416686764 03 06/01/03 0 0416686764 O 05/01/18 0 8672921 E22/G02 F 68,200.00 ZZ 180 67,965.49 1 6.000 575.51 75 5.750 575.51 ADAMSVILLE AL 35005 5 05/05/03 00 0416690956 05 06/01/03 0 1 0416690956 N 05/01/18 0 8672945 E22/G02 F 135,000.00 ZZ 180 134,510.56 1 5.375 1,094.13 75 5.125 1,094.13 ADDISON IL 60101 2 04/29/03 00 0416723112 05 06/01/03 0 0416723112 O 05/01/18 0 8672961 E22/G02 F 72,000.00 ZZ 180 71,715.68 1 5.625 593.09 87 5.375 593.09 ATHENS AL 35611 5 04/30/03 04 0416732709 05 06/01/03 12 0416732709 O 05/01/18 0 8673037 E22/G02 F 231,000.00 ZZ 180 229,962.50 1 5.000 1,826.73 45 4.750 1,826.73 CROSSROADS TX 76227 2 04/30/03 00 0416787323 05 06/01/03 0 0416787323 O 05/01/18 0 8673067 E22/G02 F 65,700.00 ZZ 180 65,464.31 1 5.500 536.82 90 5.250 536.82 BOONE IA 50036 5 04/29/03 04 0416819852 05 06/01/03 12 0416819852 O 05/01/18 0 8673093 E22/G02 F 130,000.00 ZZ 180 130,000.00 1 5.500 1,062.21 35 5.250 1,062.21 WEST ORANGE NJ 07052 5 05/05/03 00 0416842680 05 07/01/03 0 0416842680 O 06/01/18 0 1 8673095 E22/G02 F 162,500.00 ZZ 180 162,500.00 1 5.500 1,327.76 65 5.250 1,327.76 ROSEVILLE CA 95678 5 04/29/03 00 0416843688 05 07/01/03 0 0416843688 O 06/01/18 0 8673101 E22/G02 F 157,800.00 ZZ 180 157,227.90 3 5.375 1,278.91 75 5.125 1,278.91 SAN ANTONIO TX 78212 2 05/05/03 00 0416845568 05 06/01/03 0 0416845568 N 05/01/18 0 8673117 E22/G02 F 63,800.00 ZZ 180 63,578.27 1 5.875 534.08 90 5.625 534.08 GUTHRIE OK 73044 5 04/29/03 01 0416855146 05 06/01/03 25 0416855146 O 05/01/18 0 8673159 E22/G02 F 141,000.00 ZZ 180 141,000.00 1 5.500 1,152.09 68 5.250 1,152.09 BERKELEY TOWNSH NJ 08721 2 04/29/03 00 0416887230 05 07/01/03 0 0416887230 O 06/01/18 0 8673173 E22/G02 F 150,500.00 ZZ 120 150,500.00 1 5.875 1,661.43 58 5.625 1,661.43 HOUSTON TX 77008 5 05/05/03 00 0416909604 05 07/01/03 0 0416909604 N 06/01/13 0 8673213 E22/G02 F 90,000.00 ZZ 180 89,683.88 1 5.750 747.37 65 5.500 747.37 1 MAPLE CITY MI 49664 5 04/30/03 00 0416978609 05 06/01/03 0 0416978609 O 05/01/18 0 8673347 E82/G02 F 99,000.00 ZZ 180 99,000.00 1 5.500 808.91 73 5.250 808.91 LONDONBERRY NH 03053 2 05/02/03 00 0400821914 01 07/01/03 0 0400821914 O 06/01/18 0 8673355 E82/G02 F 119,400.00 ZZ 180 119,400.00 1 5.750 991.51 76 5.500 991.51 HARLINGEN TX 78552 2 05/02/03 00 0400820635 05 07/01/03 0 0400820635 O 06/01/18 0 8673623 286/286 F 558,000.00 ZZ 180 553,902.28 1 5.250 4,485.64 77 5.000 4,485.64 MCLEAN VA 22102 2 03/27/03 00 2113513 05 05/01/03 0 2113513 O 04/01/18 0 8673627 286/286 F 483,800.00 ZZ 180 476,809.59 1 5.500 3,953.05 75 5.250 3,953.05 IRVING TX 75038 2 01/06/03 00 1941235 05 03/01/03 0 1941235 O 02/01/18 0 8673631 286/286 F 555,000.00 ZZ 180 551,008.73 1 5.500 4,534.82 77 5.250 4,534.82 PEORIA IL 61615 2 03/21/03 00 2046099 05 05/01/03 0 2046099 O 04/01/18 0 1 8673637 286/286 F 492,000.00 ZZ 180 486,680.54 1 5.500 4,020.05 80 5.250 4,020.05 STILLWATER OK 74074 5 03/03/03 00 2027649 05 04/01/03 0 2027649 O 03/01/18 0 8673639 286/286 F 397,000.00 ZZ 156 393,526.86 1 5.625 3,593.45 64 5.375 3,593.45 DALLAS TX 75219 2 03/22/03 00 1991700 03 05/01/03 0 1991700 O 04/01/16 0 8673643 286/286 F 113,250.00 ZZ 180 112,444.07 1 5.625 932.88 75 5.375 932.88 AUSTIN TX 78736 5 03/26/03 00 1996844 05 05/01/03 0 1996844 O 04/01/18 0 8673651 286/286 F 336,000.00 ZZ 180 333,558.20 1 5.375 2,723.17 75 5.125 2,723.17 OROVILLE CA 95965 5 03/24/03 00 1887561 05 05/01/03 0 1887561 O 04/01/18 0 8673657 286/286 F 444,000.00 ZZ 180 440,773.35 1 5.375 3,598.47 69 5.125 3,598.47 CHESTERFIELD MO 63005 2 03/25/03 00 2080708 05 05/01/03 0 2080708 O 04/01/18 0 8673661 286/286 F 602,950.00 ZZ 180 598,613.91 1 1 5.500 4,926.61 59 5.250 4,926.61 SAN JOSE CA 95120 2 03/26/03 00 2081520 05 05/01/03 0 2081520 O 04/01/18 0 8673665 286/286 F 418,000.00 ZZ 180 412,259.97 1 5.625 3,443.20 66 5.375 3,443.20 SAN DIEGO CA 92131 2 03/24/03 00 2041425 05 05/01/03 0 2041425 O 04/01/18 0 8673671 286/286 F 448,000.00 ZZ 180 444,811.91 1 5.625 3,690.32 80 5.375 3,690.32 BEVERLY HILLS MI 48025 2 03/07/03 00 2067121 05 05/01/03 0 2067121 O 04/01/18 0 8673679 286/286 F 124,000.00 ZZ 180 123,098.86 1 5.375 1,004.98 54 5.125 1,004.98 DIAMOND BAR CA 91765 2 03/24/03 00 2047474 01 05/01/03 0 2047474 N 04/01/18 0 8673681 286/286 F 904,000.00 ZZ 180 896,882.55 1 5.500 7,386.44 70 5.250 7,386.44 CENTERVILLE OH 45458 5 03/25/03 00 2100062 05 05/01/03 0 2100062 O 04/01/18 0 8673689 286/286 F 366,000.00 ZZ 180 363,208.03 1 5.375 2,966.31 44 5.125 2,966.31 LUTHERVILLE MD 21093 2 03/27/03 00 2045110 03 05/01/03 0 1 2045110 O 04/01/18 0 8673701 286/286 F 48,000.00 ZZ 180 47,575.50 1 6.250 411.57 75 6.000 411.57 VIRGINIA BEACH VA 23451 1 03/31/03 00 1969391 01 05/01/03 0 1969391 N 04/01/18 0 8673703 286/286 F 395,000.00 ZZ 180 392,129.45 1 5.375 3,201.34 78 5.125 3,201.34 ALLENTOWN NJ 08501 5 03/21/03 00 2099190 05 05/01/03 0 2099190 O 04/01/18 0 8673707 286/286 F 25,000.00 ZZ 180 24,822.08 1 5.625 205.94 34 5.375 205.94 MEROM IN 47861 5 03/07/03 00 2107288 05 05/01/03 0 2107288 O 04/01/18 0 8673709 286/286 F 640,000.00 ZZ 175 635,204.20 1 5.500 5,325.75 48 5.250 5,325.75 MILLBURN NJ 07078 2 03/24/03 00 2105085 05 05/01/03 0 2105085 O 11/01/17 0 8673715 286/286 F 354,000.00 ZZ 180 350,953.07 1 5.375 2,869.05 65 5.125 2,869.05 GREAT FALLS VA 22066 2 03/25/03 00 2157556 05 05/01/03 0 2157556 O 04/01/18 0 1 8673719 286/286 F 50,000.00 ZZ 180 49,459.38 1 5.500 408.55 48 5.250 408.55 GARLAND TX 75043 2 02/21/03 00 1898133 05 04/01/03 0 1898133 N 03/01/18 0 8673721 286/286 F 426,550.00 ZZ 180 423,577.92 1 5.875 3,570.73 72 5.625 3,570.73 FAIRFAX VA 22030 2 03/24/03 00 1987797 05 05/01/03 0 1987797 O 04/01/18 0 8673725 286/286 F 60,000.00 ZZ 180 59,563.97 1 5.375 486.28 75 5.125 486.28 OLATHE KS 66061 5 03/24/03 00 2073788 05 05/01/03 0 2073788 N 04/01/18 0 8673727 286/286 F 390,000.00 ZZ 172 386,973.45 1 5.375 3,256.77 68 5.125 3,256.77 FLORHAM PARK NJ 07932 2 03/25/03 00 2122074 05 05/01/03 0 2122074 O 08/01/17 0 8673731 286/286 F 71,250.00 ZZ 180 70,732.20 1 5.375 577.46 75 5.125 577.46 OLATHE KS 66061 5 03/24/03 00 2073809 05 05/01/03 0 2073809 N 04/01/18 0 8673733 286/286 F 394,200.00 ZZ 180 391,335.26 1 5.375 3,194.86 58 5.125 3,194.86 1 FOX ISLAND WA 98333 2 03/25/03 00 2164503 05 05/01/03 0 2164503 O 04/01/18 0 8673735 286/286 F 61,500.00 ZZ 180 61,053.06 1 5.375 498.44 75 5.125 498.44 OLATHE KS 66061 5 03/24/03 00 2073832 05 05/01/03 0 2073832 N 04/01/18 0 8673739 286/286 F 485,000.00 ZZ 180 481,475.40 1 5.375 3,930.76 56 5.125 3,930.76 CAMARILLO CA 93012 5 03/20/03 00 2154324 05 05/01/03 0 2154324 O 04/01/18 0 8673741 286/286 F 48,000.00 ZZ 180 47,651.18 1 5.375 389.03 75 5.125 389.03 OSAWATTANIE KS 66064 5 03/24/03 00 2073842 05 05/01/03 0 2073842 N 04/01/18 0 8673745 286/286 F 251,250.00 ZZ 180 249,427.26 1 5.875 2,103.27 75 5.625 2,103.27 WEATHERFORD TX 76085 5 03/24/03 00 1547918 05 05/01/03 0 1547918 O 04/01/18 0 8673747 286/286 F 350,000.00 ZZ 180 347,535.39 1 5.750 2,906.44 56 5.500 2,906.44 TARZANA CA 91356 2 03/17/03 00 2012399 05 05/01/03 0 2012399 O 04/01/18 0 1 8673751 286/286 F 130,429.00 ZZ 180 129,500.83 1 5.625 1,074.39 80 5.375 1,074.39 CHICAGO IL 60655 1 03/27/03 00 2061607 05 05/01/03 0 2061607 O 04/01/18 0 8673757 286/286 F 360,000.00 ZZ 180 357,392.07 1 5.750 2,989.48 75 5.500 2,989.48 LODI CA 95242 5 03/24/03 00 2124236 05 05/01/03 0 2124236 O 04/01/18 0 8673771 286/286 F 88,000.00 ZZ 180 87,399.71 1 6.125 748.55 80 5.875 748.55 LAS VEGAS NV 89107 1 03/20/03 00 2103338 05 05/01/03 0 2103338 N 04/01/18 0 8673775 286/286 F 90,000.00 ZZ 180 89,372.89 1 5.875 753.41 75 5.625 753.41 NORTH WEBSTER IN 46555 5 03/25/03 00 2139343 05 05/01/03 0 2139343 O 04/01/18 0 8673781 286/286 F 520,000.00 ZZ 180 516,376.78 1 5.875 4,353.02 55 5.625 4,353.02 MESA AZ 85203 5 03/17/03 00 2170779 05 05/01/03 0 2170779 O 04/01/18 0 8673785 286/286 F 60,000.00 ZZ 180 59,586.33 1 1 6.000 506.32 80 5.750 506.32 CALHOUN TN 37309 5 03/25/03 00 1991504 05 05/01/03 0 1991504 O 04/01/18 0 8673789 286/286 F 362,200.00 ZZ 180 359,567.80 1 5.375 2,935.51 74 5.125 2,935.51 VIRGINIA BEACH VA 23456 2 03/26/03 00 1241185 05 05/01/03 0 1241185 O 04/01/18 0 8673793 286/286 F 125,600.00 ZZ 180 123,785.20 1 5.500 1,026.26 80 5.250 1,026.26 GRAND RAPIDS MI 49504 2 01/16/03 00 1970989 05 03/01/03 0 1970989 O 02/01/18 0 8673795 286/286 F 50,000.00 T 180 48,683.27 1 6.000 421.93 50 5.750 421.93 MOUNTAIN CENTER CA 92561 5 03/25/03 00 2120584 05 05/01/03 0 2120584 O 04/01/18 0 8673799 286/286 F 124,000.00 ZZ 180 123,126.83 1 5.750 1,029.71 80 5.500 1,029.71 COLLEGE PARK MD 20740 1 03/31/03 00 2151474 05 05/01/03 0 2151474 N 04/01/18 0 8673801 286/286 F 93,000.00 ZZ 180 91,190.66 1 6.000 784.79 75 5.750 784.79 HOUSTON TX 77041 5 03/26/03 00 2171934 05 05/01/03 0 1 2171934 O 04/01/18 0 8673815 286/286 F 61,200.00 ZZ 180 60,782.51 1 6.125 520.59 65 5.875 520.59 MADISON TN 37115 5 03/10/03 00 2111521 05 05/01/03 0 2111521 O 04/01/18 0 8673819 286/286 F 310,000.00 ZZ 180 308,864.22 1 5.250 2,492.03 54 5.000 2,492.03 VENTURA CA 93003 5 03/26/03 00 2155732 05 06/01/03 0 2155732 O 05/01/18 0 8673821 286/286 F 55,500.00 ZZ 180 55,078.08 1 5.500 453.49 66 5.250 453.49 MENTOR ON THE L OH 44060 2 03/26/03 00 1988353 05 05/01/03 0 1988353 N 04/01/18 0 8673825 286/286 F 71,100.00 ZZ 180 70,609.80 1 6.000 599.99 90 5.750 599.99 BLOOMINGTON IL 61701 1 03/28/03 12 2049975 05 05/01/03 25 2049975 N 04/01/18 0 8673833 286/286 F 146,000.00 ZZ 180 144,421.44 4 5.500 1,192.95 73 5.250 1,192.95 WACO TX 76706 2 02/21/03 00 1915045 05 04/01/03 0 1915045 N 03/01/18 0 1 8673839 286/286 F 96,000.00 ZZ 180 95,309.60 1 5.500 784.41 80 5.250 784.41 SAN ANTONIO TX 78250 5 03/24/03 00 2108121 05 05/01/03 0 2108121 N 04/01/18 0 8673847 286/286 F 75,450.00 ZZ 180 74,929.80 1 6.000 636.70 61 5.750 636.70 PORTLAND OR 97220 2 03/18/03 00 2068281 05 05/01/03 0 2068281 N 04/01/18 0 8673849 286/286 F 95,600.00 ZZ 180 94,940.90 1 6.000 806.73 65 5.750 806.73 PORTLAND OR 97220 2 03/18/03 00 2068285 05 05/01/03 0 2068285 N 04/01/18 0 8673857 286/286 F 65,350.00 ZZ 180 64,899.44 1 6.000 551.47 69 5.750 551.47 PORTLAND OR 97266 5 03/18/03 00 2068292 05 05/01/03 0 2068292 N 04/01/18 0 8673863 286/286 F 80,450.00 ZZ 180 79,895.34 1 6.000 678.89 78 5.750 678.89 PORTLAND OR 97218 2 03/18/03 00 2068295 05 05/01/03 0 2068295 N 04/01/18 0 8673867 286/286 F 329,000.00 ZZ 180 326,707.62 1 5.875 2,754.12 80 5.625 2,754.12 1 COLDSPRING TX 77331 2 03/25/03 00 2062420 05 05/01/03 0 2062420 O 04/01/18 0 8673873 286/286 F 66,400.00 ZZ 180 65,965.99 1 6.625 582.99 80 6.375 582.99 BAYTOWN TX 77521 1 03/26/03 00 2197684 05 05/01/03 0 2197684 N 04/01/18 0 8673875 286/286 F 100,000.00 ZZ 180 99,295.81 1 5.750 830.42 64 5.500 830.42 COMPTON CA 90221 5 03/21/03 00 1855415 05 05/01/03 0 1855415 O 04/01/18 0 8673889 286/286 F 158,000.00 ZZ 180 156,863.74 1 5.500 1,291.00 53 5.250 1,291.00 SILVER SPRING MD 20906 2 03/07/03 00 1242556 05 05/01/03 0 1242556 O 04/01/18 0 8673895 286/286 F 43,250.00 ZZ 180 42,600.82 1 6.000 364.97 80 5.750 364.97 VIRGINIA BEACH VA 23453 1 03/17/03 00 1241829 05 05/01/03 0 1241829 N 04/01/18 0 8674203 M24/G02 F 225,000.00 ZZ 180 224,175.66 1 5.250 1,808.72 77 5.000 1,808.72 CHANDLER AZ 85249 2 04/18/03 00 0435812342 03 06/01/03 0 381211736 O 05/01/18 0 1 8674453 975/G02 F 288,750.00 ZZ 180 287,692.08 1 5.250 2,321.20 75 5.000 2,321.20 LOS ANGELES CA 90005 1 04/28/03 00 0435779350 01 06/01/03 0 2031579 O 05/01/18 0 8674473 E76/G02 F 150,000.00 ZZ 180 149,461.87 1 5.500 1,225.63 36 5.250 1,225.63 SEMINOLE FL 33777 2 05/02/03 00 0435760483 05 06/01/03 0 10023916 O 05/01/18 0 8674727 A52/G02 F 50,000.00 ZZ 180 50,000.00 1 5.750 415.21 33 5.500 415.21 DECATUR GA 30032 2 04/30/03 00 0435883343 05 07/01/03 0 25008 N 06/01/18 0 8675217 W68/G02 F 245,600.00 ZZ 180 244,728.16 1 5.625 2,023.09 80 5.375 2,023.09 VISTA CA 92083 1 04/15/03 00 0435798434 05 06/01/03 0 3032818 N 05/01/18 0 8675473 E84/G02 F 148,200.00 ZZ 180 147,156.42 1 5.750 1,230.67 65 5.500 1,230.67 GLENVIEW IL 60025 5 03/27/03 00 0435843644 01 05/01/03 0 11015751 N 04/01/18 0 8675559 A52/G02 F 134,400.00 ZZ 180 133,937.86 1 1 6.000 1,134.14 80 5.750 1,134.14 WESTON FL 33331 1 04/29/03 00 0435773452 05 06/01/03 0 24918 N 05/01/18 0 8675561 K15/G02 F 171,000.00 ZZ 180 170,372.81 1 6.125 1,454.57 95 5.875 1,454.57 NAVARRE OH 44662 5 04/25/03 41 0435770490 05 06/01/03 25 028005507921 O 05/01/18 0 8675577 A52/G02 F 50,000.00 ZZ 180 50,000.00 1 5.750 415.21 36 5.500 415.21 DECATUR GA 30032 2 04/30/03 00 0435774435 05 07/01/03 0 25009 N 06/01/18 0 8675579 E11/G02 F 100,000.00 ZZ 180 99,637.45 1 5.375 810.47 77 5.125 810.47 CAMBRIDGE MN 55008 5 04/22/03 00 0435787742 05 06/01/03 0 1 O 05/01/18 0 8675589 952/G02 F 250,000.00 ZZ 180 250,000.00 2 5.750 2,076.03 56 5.500 2,076.03 CLIFTON NJ 07011 5 05/01/03 00 0435787924 05 07/01/03 0 03002322 O 06/01/18 0 8675653 286/286 F 44,800.00 ZZ 180 44,653.98 1 6.625 393.35 79 6.375 393.35 MOMENCE IL 60954 5 04/01/03 00 2099477 05 06/01/03 0 1 2099477 O 05/01/18 0 8675655 286/286 F 64,000.00 ZZ 180 63,549.32 1 5.750 531.47 79 5.500 531.47 NEWPORT NEWS VA 23601 2 03/26/03 00 1697112 05 05/01/03 0 1697112 N 04/01/18 0 8675661 286/286 F 45,500.00 ZZ 180 45,179.60 1 5.750 377.84 63 5.500 377.84 NEWPORT NEWS VA 23605 2 03/26/03 00 1740956 05 05/01/03 0 1740956 N 04/01/18 0 8675665 286/286 F 58,000.00 ZZ 180 57,591.58 1 5.750 481.64 77 5.500 481.64 HAMPTON VA 23669 2 03/26/03 00 1740965 05 05/01/03 0 1740965 N 04/01/18 0 8675671 286/286 F 80,000.00 ZZ 180 79,418.60 1 5.375 648.38 62 5.125 648.38 ONTARIO CA 91761 2 03/24/03 00 2047552 01 05/01/03 0 2047552 N 04/01/18 0 8675679 286/286 F 344,000.00 ZZ 180 342,648.33 1 5.750 2,856.62 20 5.500 2,856.62 SANTA MONICA CA 90402 2 03/25/03 00 2012416 05 06/01/03 0 2012416 O 05/01/18 0 1 8675683 286/286 F 97,500.00 ZZ 180 96,806.16 1 5.625 803.14 75 5.375 803.14 BEDFORD TX 76021 5 03/26/03 00 2138860 05 05/01/03 0 2138860 N 04/01/18 0 8675687 286/286 F 221,500.00 ZZ 180 219,940.26 1 5.750 1,839.36 69 5.500 1,839.36 OGILVIE MN 56358 5 03/26/03 00 2138927 05 05/01/03 0 2138927 O 04/01/18 0 8675695 286/286 F 84,000.00 ZZ 180 83,692.24 1 5.250 675.26 70 5.000 675.26 HIALEAH FL 33018 2 03/28/03 00 2084183 01 06/01/03 0 2084183 O 05/01/18 0 8675701 286/286 F 44,000.00 ZZ 180 43,683.02 1 5.500 359.52 30 5.250 359.52 GOODYEAR AZ 85338 1 02/18/03 00 2004938 05 05/01/03 0 2004938 N 04/01/18 0 8675703 286/286 F 60,000.00 ZZ 180 59,776.32 1 5.500 490.26 76 5.250 490.26 NORTH CANTON OH 44720 1 04/04/03 00 2018289 01 06/01/03 0 2018289 N 05/01/18 0 8675705 286/286 F 40,000.00 ZZ 180 39,318.85 1 6.250 342.97 18 6.000 342.97 1 SANTA FE NM 87508 5 03/28/03 00 2112314 03 06/01/03 0 2112314 N 05/01/18 0 8675707 286/286 F 52,000.00 ZZ 180 51,629.93 1 5.625 428.35 51 5.375 428.35 INDIANAPOLIS IN 46229 2 04/03/03 00 2137846 05 05/01/03 0 2137846 N 04/01/18 0 8675711 286/286 F 88,000.00 ZZ 180 87,700.62 1 6.125 748.55 80 5.875 748.55 TAMPA FL 33618 5 04/01/03 00 2111867 05 06/01/03 0 2111867 O 05/01/18 0 8675717 286/286 F 350,000.00 ZZ 180 347,586.98 2 6.000 2,953.50 79 5.750 2,953.50 MALDEN MA 02184 2 03/28/03 00 2127987 05 05/01/03 0 2127987 N 04/01/18 0 8675721 286/286 F 89,250.00 ZZ 180 88,614.85 1 5.625 735.19 80 5.375 735.19 PEORIA AZ 85381 2 03/31/03 00 2125978 05 05/01/03 0 2125978 N 04/01/18 0 8675723 286/286 F 38,050.00 ZZ 180 37,920.54 1 6.125 323.67 80 5.875 323.67 ROANOKE VA 24017 1 04/02/03 00 2182037 05 06/01/03 0 2182037 N 05/01/18 0 1 8675725 286/286 F 45,000.00 ZZ 180 44,686.44 1 5.875 376.71 60 5.625 376.71 BLOOMINGTON IL 61701 5 03/26/03 00 2040167 05 05/01/03 0 2040167 N 04/01/18 0 8675727 286/286 F 84,000.00 ZZ 180 83,420.88 1 6.000 708.84 75 5.750 708.84 WAYNESBORO PA 17268 5 03/19/03 00 1241429 05 05/01/03 0 1241429 N 04/01/18 0 8675729 286/286 F 86,250.00 ZZ 180 85,655.36 1 6.000 727.83 75 5.750 727.83 WAYNESBORO PA 17268 5 03/21/03 00 1241445 05 05/01/03 0 1241445 N 04/01/18 0 8675731 286/286 F 39,920.00 ZZ 180 39,338.19 1 6.375 345.01 80 6.125 345.01 INDIANAPOLIS IN 46201 1 04/04/03 00 2120841 05 05/01/03 0 2120841 N 04/01/18 0 8675737 286/286 F 77,600.00 ZZ 180 77,053.56 1 5.750 644.40 80 5.500 644.40 PLANO TX 75023 1 03/03/03 00 2053075 05 05/01/03 0 2053075 N 04/01/18 0 8675739 286/286 F 50,400.00 ZZ 180 50,020.47 1 1 5.625 415.17 80 5.375 415.17 PASADENA TX 77506 1 03/11/03 00 2037882 05 05/01/03 0 2037882 N 04/01/18 0 8675741 286/286 F 132,000.00 ZZ 180 131,070.48 2 5.750 1,096.15 80 5.500 1,096.15 EL PASO TX 79912 1 03/28/03 00 2198153 05 05/01/03 0 2198153 N 04/01/18 0 8675745 286/286 F 29,920.00 ZZ 180 29,702.55 1 5.375 242.49 80 5.125 242.49 SURPRISE AZ 85374 1 03/21/03 00 2102471 01 05/01/03 0 2102471 N 04/01/18 0 8675813 Y21/G02 F 228,188.00 ZZ 180 227,360.70 1 5.375 1,849.39 41 5.125 1,849.39 FRANKTOWN CO 80116 2 04/04/03 00 0435783337 05 06/01/03 0 203197208 O 05/01/18 0 8675947 E44/G02 F 132,000.00 ZZ 180 131,526.45 2 5.500 1,078.55 53 5.250 1,078.55 SALT LAKE CITY UT 84103 5 04/21/03 00 0435797618 05 06/01/03 0 47030023 O 05/01/18 0 8676575 E22/G02 F 112,000.00 ZZ 180 111,589.66 1 5.250 900.34 75 5.000 900.34 ELLENSBURG WA 98926 5 04/21/03 00 0416642114 05 06/01/03 0 1 0416642114 O 05/01/18 0 8676579 E22/G02 F 280,000.00 ZZ 180 280,000.00 1 5.625 2,306.45 74 5.375 2,306.45 SANTA FE NM 87508 5 05/01/03 00 0416644037 05 07/01/03 0 0416644037 O 06/01/18 0 8676581 E22/G02 F 104,000.00 ZZ 180 103,630.82 1 5.625 856.68 80 5.375 856.68 MONCKS CORNER SC 29461 5 05/01/03 00 0416646198 05 06/01/03 0 0416646198 O 05/01/18 0 8676625 E22/G02 F 650,000.00 ZZ 180 647,668.13 1 5.500 5,311.04 75 5.250 5,311.04 DALLAS TX 75229 5 04/24/03 00 0416603900 05 06/01/03 0 0416603900 O 05/01/18 0 8676641 E22/G02 F 79,100.00 ZZ 180 78,819.21 1 5.625 651.57 70 5.375 651.57 VICTORVILLE CA 92392 5 04/25/03 00 0416678415 05 06/01/03 0 0416678415 N 05/01/18 0 8676651 E22/G02 F 72,000.00 ZZ 180 71,741.70 1 5.500 588.30 44 5.250 588.30 AKRON OH 44319 2 05/01/03 00 0416698942 05 06/01/03 0 0416698942 O 05/01/18 0 1 8676655 E22/G02 F 164,000.00 ZZ 180 163,405.42 1 5.375 1,329.16 80 5.125 1,329.16 SPOKANE WA 99203 5 04/30/03 00 0416703999 05 06/01/03 0 0416703999 O 05/01/18 0 8676677 E22/G02 F 226,000.00 ZZ 180 226,000.00 1 5.750 1,876.73 87 5.500 1,876.73 CENTENNIAL CO 80015 5 05/01/03 01 0416842730 05 07/01/03 25 0416842730 O 06/01/18 0 8676701 E22/G02 F 96,000.00 ZZ 180 96,000.00 1 5.000 759.16 67 4.750 759.16 HIALEAH FL 33016 2 05/01/03 00 0416866960 05 07/01/03 0 0416866960 O 06/01/18 0 8676705 E22/G02 F 855,000.00 ZZ 180 851,932.69 1 5.500 6,986.06 53 5.250 6,986.06 SARATOGA CA 95070 5 04/22/03 00 0416869733 05 06/01/03 0 0416869733 O 05/01/18 0 8676773 E22/G02 F 151,000.00 ZZ 180 150,452.55 1 5.375 1,223.80 80 5.125 1,223.80 WATERFORD MI 48237 1 05/07/03 00 0417012341 29 06/01/03 0 0417012341 O 05/01/18 0 8676817 E22/G02 F 91,600.00 ZZ 180 91,600.00 1 5.625 754.54 80 5.375 754.54 1 OMAHA NE 68122 1 05/06/03 00 0416908440 05 07/01/03 0 0416908440 O 06/01/18 0 8676827 E22/G02 F 293,000.00 ZZ 180 291,915.20 1 5.125 2,336.15 56 4.875 2,336.15 ANAHEIM CA 92808 2 04/28/03 00 0416918530 03 06/01/03 0 0416918530 O 05/01/18 0 8676889 E22/G02 F 57,000.00 ZZ 180 57,000.00 1 5.750 473.33 85 5.500 473.33 LEES SUMMIT MO 64064 1 05/06/03 04 0416347177 09 07/01/03 20 0416347177 O 06/01/18 0 8676919 E22/G02 F 125,000.00 ZZ 180 124,556.28 1 5.625 1,029.66 72 5.375 1,029.66 MISSOURI CITY TX 77459 5 05/01/03 00 0416974806 03 06/01/03 0 0416974806 O 05/01/18 0 8676937 E82/G02 F 135,600.00 ZZ 180 135,600.00 2 6.250 1,162.67 40 6.000 1,162.67 DORCHESTER MA 02121 2 05/06/03 00 0400815197 05 07/01/03 0 0400815197 N 06/01/18 0 8676963 E82/G02 F 130,000.00 ZZ 180 130,000.00 1 6.000 1,097.01 48 5.750 1,097.01 DORCHESTER MA 02122 2 05/06/03 00 0400815148 05 07/01/03 0 0400815148 N 06/01/18 0 1 8676965 E82/G02 F 128,500.00 ZZ 180 128,500.00 4 6.250 1,101.79 25 6.000 1,101.79 DORCHESTER MA 02126 2 05/06/03 00 0400815205 05 07/01/03 0 0400815205 N 06/01/18 0 8677299 W47/G02 F 200,000.00 ZZ 180 199,251.74 1 5.000 1,581.59 50 4.750 1,581.59 SKOKIE IL 60076 2 04/25/03 00 0435834056 05 06/01/03 0 WH030013 O 05/01/18 0 8677409 H76/G02 F 332,000.00 ZZ 180 330,870.51 2 6.125 2,824.07 85 5.875 2,824.07 STATEN ISLAND NY 10305 2 04/14/03 12 0435764600 05 06/01/03 6 2003482285 O 05/01/18 0 8677545 758/G02 F 602,850.00 ZZ 180 600,664.38 1 5.375 4,885.89 65 5.125 4,885.89 BELLAIRE TX 77401 2 04/25/03 00 0435882592 05 06/01/03 0 103080 O 05/01/18 0 8678259 Q87/G02 F 125,000.00 ZZ 120 124,211.05 1 5.375 1,348.85 70 5.125 1,348.85 MARIETTA GA 30068 5 04/30/03 00 0435782065 05 06/05/03 0 LOCA01 O 05/05/13 0 8678493 Y21/G02 F 95,000.00 ZZ 180 94,316.81 1 1 5.500 776.23 55 5.250 776.23 GLEN BURNIE MD 21061 5 03/28/03 00 0435786454 05 05/01/03 0 203176065 O 04/01/18 0 8678591 Q14/G02 F 150,000.00 ZZ 180 149,450.43 1 5.250 1,205.82 60 5.000 1,205.82 ODESSA MO 64076 2 04/25/03 00 0435766035 05 06/01/03 0 0000312646 O 05/01/18 0 8678779 A06/G02 F 266,800.00 ZZ 180 265,862.88 3 5.750 2,215.54 59 5.500 2,215.54 BIRMINGHAM MI 48009 2 04/30/03 00 0435768759 05 06/01/03 0 1000020306050 N 05/01/18 0 8678819 A06/G02 F 150,000.00 ZZ 180 149,461.87 1 5.500 1,225.63 46 5.250 1,225.63 MARATHON FL 33050 2 04/30/03 00 0435824727 20 06/01/03 0 001000010300531 N 05/01/18 0 8678869 K15/G02 F 55,300.00 ZZ 180 55,109.85 1 6.000 466.65 90 5.750 466.65 RAYNE LA 70578 5 04/25/03 41 0435774690 05 06/01/03 12 000205514403 O 05/01/18 0 8678891 950/G02 F 34,500.00 ZZ 180 34,376.23 1 5.500 281.89 56 5.250 281.89 WOODBURN OR 97071 2 04/11/03 00 0435826359 01 06/01/03 0 1 Y533015 N 05/01/18 0 8678905 Q14/G02 F 70,000.00 ZZ 180 69,761.85 1 6.125 595.44 74 5.875 595.44 INDEPENDENCE MO 64052 5 04/25/03 00 0435780440 05 06/01/03 0 0000312559 O 05/01/18 0 8678909 K15/G02 F 224,000.00 ZZ 180 222,987.89 1 5.375 1,815.44 79 5.125 1,815.44 SAINT ALBANS NY 11412 5 04/21/03 00 0435775473 05 06/01/03 0 011205513153 O 05/01/18 0 8680497 N47/G02 F 180,000.00 ZZ 180 179,347.41 1 5.375 1,458.84 48 5.125 1,458.84 EL SOBRANTE CA 94803 5 04/22/03 00 0435779491 05 06/01/03 0 20505104 O 05/01/18 0 8680685 X67/G02 F 227,000.00 ZZ 180 226,219.44 3 6.000 1,915.56 64 5.750 1,915.56 BELLFLOWER CA 90706 5 04/14/03 00 0435787650 05 06/01/03 0 00284721 N 05/01/18 0 8680803 P09/G02 F 129,500.00 ZZ 180 129,028.72 1 5.330 1,046.48 74 5.080 1,046.48 POWHATAN VA 23139 2 05/02/03 00 0435798111 05 06/01/03 0 EVERETTE O 05/01/18 0 1 8680865 U05/G02 F 108,700.00 TX 180 108,326.23 1 6.000 917.27 80 5.750 917.27 MIDLOTHIAN TX 76065 5 04/25/03 00 0435811872 05 06/01/03 0 3341131 O 05/01/18 0 8680887 E11/G02 F 366,400.00 ZZ 180 365,071.62 1 5.375 2,969.55 80 5.125 2,969.55 MAPLE GROVE MN 55311 1 05/05/03 00 0435809363 05 06/01/03 0 0003001055610 O 05/01/18 0 8680985 U05/G02 F 75,050.00 ZZ 180 74,772.14 1 5.125 598.39 54 4.875 598.39 ALTAMONTE SPRIN FL 32701 2 04/24/03 00 0435781125 05 06/01/03 0 3340464 O 05/01/18 0 8681019 U97/G02 F 175,000.00 ZZ 120 173,895.46 1 5.375 1,888.39 70 5.125 1,888.39 ATLANTA GA 30341 5 04/25/03 00 0435775366 05 06/01/03 0 7836825 O 05/01/13 0 8681863 E22/G02 F 96,000.00 ZZ 180 95,651.95 1 5.375 778.05 42 5.125 778.05 GROVER WY 83122 2 05/02/03 00 0416359289 05 06/01/03 0 0416359289 O 05/01/18 0 8681871 E22/G02 F 73,000.00 ZZ 180 73,000.00 1 5.625 601.32 77 5.375 601.32 1 HENNESSEY OK 73742 5 05/02/03 00 0416361996 05 07/01/03 0 0416361996 O 06/01/18 0 8681893 E22/G02 F 94,250.00 ZZ 180 94,250.00 1 5.375 763.86 49 5.125 763.86 HARPERS FERRY WV 25425 2 05/07/03 00 0416383784 05 07/01/03 0 0416383784 N 06/01/18 0 8681983 E22/G02 F 135,000.00 ZZ 180 135,000.00 1 5.250 1,085.23 73 5.000 1,085.23 KENNEWICK WA 99336 5 04/30/03 00 0416533487 05 07/01/03 0 0416533487 O 06/01/18 0 8681993 E22/G02 F 314,450.00 ZZ 180 313,285.79 2 5.125 2,507.17 56 4.875 2,507.17 ARLINGTON MA 02474 5 05/02/03 00 0416545697 05 06/01/03 0 0416545697 O 05/01/18 0 8682025 E22/G02 F 208,000.00 ZZ 180 207,245.90 1 5.375 1,685.77 55 5.125 1,685.77 HOPKINTON NH 03229 5 05/02/03 00 0416594307 05 06/01/03 0 0416594307 O 05/01/18 0 8682047 738/G02 F 502,500.00 ZZ 180 500,678.19 1 5.375 4,072.59 72 5.125 4,072.59 ATLANTA GA 30345 2 04/15/03 00 0435770094 05 06/01/03 0 40998215 O 05/01/18 0 1 8682055 E22/G02 F 323,000.00 ZZ 180 323,000.00 1 5.750 2,682.22 67 5.500 2,682.22 041-661665-4 NH 03031 5 05/02/03 00 0416616654 05 07/01/03 0 0416616654 O 06/01/18 0 8682057 E22/G02 F 164,000.00 ZZ 180 164,000.00 1 5.375 1,329.16 66 5.125 1,329.16 SOUTH LAKE TAHO CA 96150 5 04/28/03 00 0416624112 05 07/01/03 0 0416624112 O 06/01/18 0 8682187 E22/G02 F 260,000.00 ZZ 180 260,000.00 1 5.500 2,124.42 80 5.250 2,124.42 DALLAS TX 75243 5 05/01/03 00 0416715423 05 07/01/03 0 0416715423 O 06/01/18 0 8682275 E22/G02 F 70,000.00 ZZ 180 70,000.00 1 5.625 576.61 26 5.375 576.61 MIAMI FL 33165 5 05/02/03 00 0416758969 05 07/01/03 0 0416758969 O 06/01/18 0 8682329 E22/G02 F 89,000.00 ZZ 180 88,680.72 1 5.500 727.20 42 5.250 727.20 ARVADA CO 80005 5 05/01/03 00 0416788933 05 06/01/03 0 0416788933 O 05/01/18 0 8682391 E22/G02 F 65,450.00 ZZ 180 65,450.00 1 1 5.625 539.13 85 5.375 539.13 REYNOLDS GA 31076 5 05/02/03 10 0416813020 05 07/01/03 6 0416813020 O 06/01/18 0 8682485 E22/G02 F 276,500.00 T 180 275,539.07 1 5.875 2,314.63 62 5.625 2,314.63 SOUTH LAKE TAHO CA 96150 2 04/29/03 00 0416877884 05 06/01/03 0 0416877884 O 05/01/18 0 8682487 738/G02 F 555,000.00 ZZ 180 552,987.85 1 5.375 4,498.09 60 5.125 4,498.09 CORNELIUS NC 28031 2 04/15/03 00 0435780416 05 06/01/03 0 41082447 O 05/01/18 0 8682497 E22/G02 F 81,000.00 ZZ 180 81,000.00 1 5.875 678.07 75 5.625 678.07 PLANO TX 75074 5 05/02/03 00 0416881134 05 07/01/03 0 0416881134 O 06/01/18 0 8682517 E22/G02 F 232,000.00 ZZ 180 231,167.70 1 5.500 1,895.63 80 5.250 1,895.63 PARKLAND FL 33067 5 05/02/03 00 0416891059 03 06/01/03 0 0416891059 O 05/01/18 0 8682527 E22/G02 F 112,000.00 ZZ 180 111,591.67 1 5.375 907.72 80 5.125 907.72 SAINT CLAIR SHO MI 48081 5 04/29/03 00 0416908697 05 06/01/03 0 1 0416908697 O 05/01/18 0 8682539 E22/G02 F 60,745.00 ZZ 180 60,745.00 1 5.750 504.43 95 5.500 504.43 SOUTH BEND IN 46613 2 05/02/03 04 0416916054 05 07/01/03 25 0416916054 O 06/01/18 0 8682693 E82/G02 F 83,900.00 ZZ 180 83,900.00 1 5.500 685.53 68 5.250 685.53 RED BLUFF CA 96080 2 05/02/03 00 0400820544 05 07/01/03 0 0400820544 O 06/01/18 0 8682705 E82/G02 F 51,400.00 ZZ 180 51,400.00 3 6.500 447.75 60 6.250 447.75 HINSDALE NH 03451 2 05/07/03 00 0400788824 05 07/01/03 0 0400788824 N 06/01/18 0 8682715 E82/G02 F 165,000.00 ZZ 180 165,000.00 1 5.625 1,359.16 49 5.375 1,359.16 SILVER SPRING MD 20903 2 05/05/03 00 0400811030 05 07/01/03 0 0400811030 O 06/01/18 0 8682723 E82/G02 F 500,000.00 ZZ 180 500,000.00 1 5.375 4,052.33 66 5.125 4,052.33 VALLEY VILLAGE CA 91607 5 05/02/03 00 0400813333 05 07/01/03 0 0400813333 O 06/01/18 0 1 8682755 E82/G02 F 68,600.00 ZZ 180 68,490.13 2 6.125 583.53 53 5.875 583.53 MAYS LANDING NJ 08330 2 05/08/03 00 0400822110 05 07/01/03 0 0400822110 N 06/01/18 0 8682761 E82/G02 F 68,500.00 ZZ 180 68,256.83 4 5.625 564.26 86 5.375 564.26 WILLIAMSPORT PA 17701 2 04/30/03 04 0400816518 05 06/01/03 12 0400816518 O 05/01/18 0 8683125 X51/G02 F 340,000.00 ZZ 180 340,000.00 1 5.375 2,755.58 80 5.125 2,755.58 PARKER CO 80138 5 05/03/03 00 0435784095 03 07/01/03 0 0030403012 O 06/01/18 0 8683189 883/G02 F 193,600.00 ZZ 180 192,912.76 1 5.625 1,594.74 80 5.375 1,594.74 MIAMI FL 33133 1 04/30/03 00 0435773346 06 06/01/03 0 05020430 O 05/01/18 0 8683257 X78/G02 F 52,000.00 ZZ 180 51,807.47 1 5.125 414.61 21 4.875 414.61 CANTON GA 30114 2 05/01/03 00 0435768650 05 06/01/03 0 990343 O 05/01/18 0 8683533 G51/G02 F 104,300.00 ZZ 180 103,937.52 1 5.875 873.12 62 5.625 873.12 1 LAS VEGAS NV 89122 5 04/28/03 00 0435799325 03 06/01/03 0 22000562 O 05/01/18 0 8683581 X80/G02 F 300,000.00 ZZ 180 298,900.87 1 5.250 2,411.63 50 5.000 2,411.63 LOS ANGELES CA 90045 5 04/24/03 00 0435792742 05 06/01/03 0 1410142820 O 05/01/18 0 8684013 U05/G02 F 146,000.00 ZZ 180 145,470.68 1 5.375 1,183.28 73 5.125 1,183.28 HIALEAH FL 33014 5 04/25/03 00 0435801063 05 06/01/03 0 3341518 O 05/01/18 0 8684051 Q31/G02 F 322,700.00 ZZ 180 322,700.00 1 5.250 2,594.11 88 5.000 2,594.11 ANTIOCH CA 94509 5 05/06/03 10 0435774856 05 07/01/03 12 SD887162 O 06/01/18 0 8684063 N74/G02 F 74,500.00 ZZ 180 74,224.18 1 5.125 594.00 77 4.875 594.00 COLONIAL HEIGHT VA 23834 2 04/30/03 00 0435784384 05 06/05/03 0 0032310010 O 05/05/18 0 8684093 P21/G02 F 161,000.00 ZZ 180 161,000.00 1 5.750 1,336.96 61 5.500 1,336.96 HIGHLAND CA 92346 2 04/25/03 00 0435767066 05 07/01/03 0 0304034 O 06/01/18 0 1 8684165 B76/G02 F 250,000.00 ZZ 180 250,000.00 1 6.000 2,109.65 79 5.750 2,109.65 MALDEN MA 02148 1 05/02/03 00 0435861851 05 07/01/03 0 0004745659 N 06/01/18 0 8684345 M37/G02 F 412,000.00 ZZ 180 410,521.95 1 5.500 3,366.38 80 5.250 3,366.38 FLAGSTAFF AZ 86001 2 04/24/03 00 0435816368 05 06/01/03 0 612720 O 05/01/18 0 8684377 N74/G02 F 26,400.00 ZZ 180 26,309.22 1 6.000 222.78 60 5.750 222.78 TULSA OK 74132 5 04/30/03 00 0435776604 05 06/05/03 0 0032326010 O 05/05/18 0 8684423 A06/G02 F 340,000.00 ZZ 180 338,754.31 1 5.250 2,733.19 80 5.000 2,733.19 COMMERCE TOWNSH MI 48382 5 05/02/03 00 0435783592 05 06/01/03 0 1000020305170 O 05/01/18 0 8684449 L96/G02 F 260,000.00 ZZ 180 259,077.05 1 5.625 2,141.70 80 5.375 2,141.70 PORT HUENEME CA 93041 5 04/15/03 00 0435881172 01 06/01/03 0 8950140000 O 05/01/18 0 8684523 P34/G02 F 76,950.00 ZZ 180 76,682.56 1 1 5.875 644.17 95 5.625 644.17 ELMIRA NY 14904 5 04/25/03 10 0435810338 05 06/01/03 30 16044 O 05/01/18 0 8684549 X13/G02 F 227,500.00 ZZ 180 226,683.84 1 5.500 1,858.87 83 5.250 1,858.87 STAFFORD VA 22554 5 04/30/03 10 0435780531 05 06/01/03 12 708947 O 05/01/18 0 8684575 950/G02 F 71,250.00 ZZ 180 70,999.74 1 5.750 591.67 75 5.500 591.67 PHOENIX AZ 85015 5 05/01/03 00 0435790118 05 06/01/03 0 EQ33002 N 05/01/18 0 8684577 964/G02 F 230,000.00 ZZ 180 229,148.45 1 5.125 1,833.84 32 4.875 1,833.84 FREMONT CA 94555 2 03/28/03 00 0435796263 05 06/01/03 0 372139 O 05/01/18 0 8684621 W39/G02 F 68,500.00 ZZ 180 68,500.00 1 6.000 578.04 58 5.750 578.04 SAINT MARTINVIL LA 70582 5 05/01/03 00 0435780887 05 07/01/03 0 032086 N 06/01/18 0 8684645 964/G02 F 285,000.00 ZZ 180 283,944.82 1 5.125 2,272.37 60 4.875 2,272.37 SAN FRANCISCO CA 94122 2 04/10/03 00 0435796834 05 06/01/03 0 1 374817 O 05/01/18 0 8684755 964/G02 F 293,000.00 ZZ 180 291,903.80 1 5.000 2,317.03 30 4.750 2,317.03 SAN FRANCISCO CA 94127 2 04/09/03 00 0435796131 05 06/01/03 0 379893 O 05/01/18 0 8684801 964/G02 F 252,000.00 ZZ 180 251,047.32 1 4.875 1,976.43 60 4.625 1,976.43 SAN FRANCISCO CA 94112 2 04/06/03 00 0435796800 05 06/01/03 0 385661 O 05/01/18 0 8684805 P34/G02 F 114,000.00 ZZ 180 113,616.28 2 6.250 977.47 54 6.000 977.47 CENTRAL FALLS RI 02863 5 04/30/03 00 0435836242 05 06/01/03 0 62378 N 05/01/18 0 8684855 X10/G02 F 360,000.00 TX 180 358,722.07 1 5.625 2,965.43 80 5.375 2,965.43 SAN ANTONIO TX 78209 5 04/24/03 00 0435877428 05 06/01/03 0 60000844 O 05/01/18 0 8684857 P34/G02 F 84,500.00 ZZ 180 84,215.57 2 6.250 724.53 43 6.000 724.53 CENTRAL FALLS RI 02863 5 04/29/03 00 0435820196 05 06/01/03 0 62377 N 05/01/18 0 1 8684881 964/G02 F 266,000.00 ZZ 180 265,035.62 1 5.375 2,155.84 74 5.125 2,155.84 MORGAN HILL CA 95037 2 04/03/03 00 0435796511 09 06/01/03 0 370667 O 05/01/18 0 8684945 964/G02 F 230,000.00 ZZ 180 229,139.50 1 5.000 1,818.83 37 4.750 1,818.83 SAN FRANCISCO CA 94116 2 04/11/03 00 0435796461 05 06/01/03 0 372313 O 05/01/18 0 8684999 964/G02 F 150,000.00 ZZ 180 149,438.81 1 5.000 1,186.19 54 4.750 1,186.19 HAYWARD CA 94544 5 04/03/03 00 0435796628 05 06/01/03 0 372178 O 05/01/18 0 8685061 964/G02 F 300,000.00 ZZ 180 298,877.62 1 5.000 2,372.38 29 4.750 2,372.38 ALAMO CA 94507 2 04/04/03 00 0435796560 05 06/01/03 0 370465 O 05/01/18 0 8685095 964/G02 F 298,500.00 ZZ 180 297,417.79 1 5.375 2,419.24 29 5.125 2,419.24 SAN JOSE CA 95129 5 04/04/03 00 0435796651 05 06/01/03 0 375669 O 05/01/18 0 8685125 964/G02 F 217,000.00 ZZ 180 215,372.91 1 5.000 1,716.02 68 4.750 1,716.02 1 MORTON GROVE IL 60053 2 03/28/03 00 0435796206 05 05/01/03 0 376509 O 04/01/18 0 8685147 964/G02 F 362,000.00 ZZ 180 360,659.74 2 5.125 2,886.30 55 4.875 2,886.30 SAN FRANCISCO CA 94134 2 04/01/03 00 0435796297 05 06/01/03 0 358690 O 05/01/18 0 8685189 964/G02 F 300,000.00 ZZ 180 298,877.62 1 5.000 2,372.38 37 4.750 2,372.38 SAN ANSELMO CA 94960 5 04/04/03 00 0435796347 05 06/01/03 0 379366 O 05/01/18 0 8685211 964/G02 F 243,000.00 ZZ 180 242,100.32 1 5.125 1,937.49 53 4.875 1,937.49 OAKLAND CA 94606 1 04/03/03 00 0435796420 05 06/01/03 0 341408 O 05/01/18 0 8685707 E82/G02 F 85,500.00 ZZ 180 85,500.00 1 5.375 692.95 72 5.125 692.95 GRISWOLD CT 06384 2 05/06/03 00 0400814877 05 07/01/03 0 0400814877 O 06/01/18 0 8685721 E82/G02 F 99,500.00 ZZ 180 99,168.66 1 6.375 859.93 22 6.125 859.93 MILPITAS CA 95035 5 04/25/03 00 0400764429 05 06/01/03 0 0400764429 N 05/01/18 0 1 8685731 E82/G02 F 58,900.00 ZZ 180 58,900.00 1 5.625 485.18 78 5.375 485.18 DENTON TX 76201 2 05/06/03 00 0400826772 05 07/01/03 0 0400826772 O 06/01/18 0 8685741 E82/G02 F 100,200.00 ZZ 180 100,200.00 1 5.500 818.72 79 5.250 818.72 HOUSTON TX 77070 2 05/07/03 00 0400829735 03 07/01/03 0 0400829735 O 06/01/18 0 8685745 E82/G02 F 113,700.00 ZZ 180 113,700.00 1 5.625 936.58 66 5.375 936.58 PLYMOUTH MA 02360 2 05/06/03 00 0400822615 05 07/01/03 0 0400822615 O 06/01/18 0 8685755 E82/G02 F 158,400.00 ZZ 180 158,400.00 3 5.750 1,315.37 88 5.500 1,315.37 NEW ORLEANS LA 70118 2 05/02/03 04 0400826871 05 07/01/03 12 0400826871 O 06/01/18 0 8685763 E82/G02 F 142,900.00 ZZ 180 142,900.00 1 5.625 1,177.11 20 5.375 1,177.11 BAYVILLE NY 11709 2 05/07/03 00 0400780557 05 07/01/03 0 0400780557 O 06/01/18 0 8685957 T44/G02 F 192,000.00 ZZ 180 191,332.73 1 1 5.875 1,607.27 80 5.625 1,607.27 ORANGEVALE CA 95662 2 04/25/03 00 0435791645 05 06/01/03 0 1073668 O 05/01/18 0 8685975 T44/G02 F 448,000.00 ZZ 180 444,744.28 1 5.375 3,630.89 80 5.125 3,630.89 CARMEL IN 46033 1 03/31/03 00 0435816293 05 05/01/03 0 1072178 O 04/01/18 0 8686227 M27/G02 F 187,500.00 ZZ 180 186,827.34 1 5.500 1,532.03 75 5.250 1,532.03 NASHVILLE TN 37212 2 04/29/03 00 0435816772 05 06/01/03 0 5000107086 O 05/01/18 0 8686377 U05/G02 F 129,000.00 ZZ 180 128,537.21 1 5.500 1,054.04 76 5.250 1,054.04 REDDING CA 96002 5 04/17/03 00 0435838479 05 06/01/03 0 3331558 O 05/01/18 0 8686419 E40/G02 F 127,000.00 ZZ 180 126,544.38 1 5.500 1,037.70 49 5.250 1,037.70 MERRIMAC MA 01860 5 04/25/03 00 0435837745 05 06/01/03 0 545000271 O 05/01/18 0 8686745 E22/G02 F 138,500.00 ZZ 180 137,981.83 1 5.000 1,095.25 93 4.750 1,095.25 ANCHORAGE AK 99503 5 04/29/03 04 0416493419 05 06/01/03 25 1 0416493419 O 05/01/18 0 8686749 P09/G02 F 272,000.00 ZZ 180 271,034.45 1 5.625 2,240.55 37 5.375 2,240.55 ARLINGTON VA 22203 2 05/01/03 00 0435817911 05 06/01/03 0 KIATRUNGRIT O 05/01/18 0 8686755 E22/G02 F 191,500.00 ZZ 180 190,813.00 1 5.500 1,564.71 69 5.250 1,564.71 LA QUINTA CA 92253 2 04/16/03 00 0416519775 05 06/01/03 0 0416519775 O 05/01/18 0 8686869 E22/G02 F 103,500.00 ZZ 180 103,128.69 1 5.500 845.68 41 5.250 845.68 AUSTIN TX 78757 5 05/02/03 00 0416658128 05 06/01/03 0 0416658128 O 05/01/18 0 8686965 E22/G02 F 60,000.00 ZZ 120 60,000.00 1 5.625 654.88 79 5.375 654.88 LARAMIE WY 82072 2 05/08/03 00 0416832855 05 07/01/03 0 0416832855 N 06/01/13 0 8687135 N74/G02 F 26,000.00 ZZ 180 25,820.75 1 6.000 219.40 75 5.750 219.40 DYERSBURG TN 38024 1 04/21/03 00 0435777024 05 05/21/03 0 0032230010 O 04/21/18 0 1 8687219 U19/G02 F 45,000.00 ZZ 180 45,000.00 1 5.875 376.70 24 5.625 376.70 DENVER CO 80222 5 05/07/03 00 0435819099 05 07/01/03 0 15150275 N 06/01/18 0 8687267 P09/G02 F 128,000.00 ZZ 180 128,000.00 1 5.125 1,020.57 80 4.875 1,020.57 WOODBRIDGE VA 22191 5 05/05/03 00 0435810593 09 07/01/03 0 ANDERSON O 06/01/18 0 8687283 P09/G02 F 117,000.00 ZZ 120 117,000.00 1 5.125 1,248.13 29 4.875 1,248.13 RESTON VA 20191 5 05/05/03 00 0435808068 05 07/01/03 0 KATES O 06/01/13 0 8687497 S27/G02 F 322,700.00 ZZ 180 321,505.24 1 5.125 2,572.96 44 4.875 2,572.96 FAIRFAX VA 22030 1 05/01/03 00 0435876438 05 06/01/03 0 1130013224 O 05/01/18 0 8687547 W35/G02 F 70,000.00 ZZ 120 70,000.00 1 5.125 746.74 63 4.875 746.74 BANGOR ME 04401 5 05/02/03 00 0435811476 05 07/01/03 0 7998897 O 06/01/13 0 8687563 E47/G02 F 240,000.00 ZZ 180 239,129.88 1 5.375 1,945.12 66 5.125 1,945.12 1 WOODLAND CA 95695 5 04/24/03 00 0435841648 05 06/01/03 0 7359513997 O 05/01/18 0 8687629 X67/G02 F 447,000.00 ZZ 180 445,379.41 1 5.375 3,622.78 78 5.125 3,622.78 RENO NV 89511 2 04/24/03 00 0435803556 03 06/01/03 0 00285875 O 05/01/18 0 8688103 E82/G02 F 75,850.00 T 180 75,580.75 1 5.625 624.80 30 5.375 624.80 INDIAN SHORES FL 33785 2 04/30/03 00 0400807889 21 06/01/03 0 0400807889 O 05/01/18 0 8688185 X47/G02 F 92,300.00 ZZ 180 91,972.36 1 5.625 760.30 65 5.375 760.30 FARMERS BRANCH TX 75234 5 04/23/03 00 0435896766 05 06/01/03 0 K11794 O 05/01/18 0 8688493 X51/G02 F 364,000.00 ZZ 180 364,000.00 1 5.375 2,950.09 80 5.125 2,950.09 EL DORADO HILLS CA 95762 5 04/30/03 00 0435817051 05 07/01/03 0 0030321010 O 06/01/18 0 8688625 E22/G02 F 149,600.00 ZZ 180 149,600.00 1 5.125 1,192.79 80 4.875 1,192.79 HOUSTON TX 77096 5 05/05/03 00 0416310191 03 07/01/03 0 0416310191 O 06/01/18 0 1 8688695 E22/G02 F 67,500.00 ZZ 180 67,265.42 1 5.875 565.05 28 5.625 565.05 TURLOCK CA 95380 2 04/30/03 00 0416588341 05 06/01/03 0 0416588341 N 05/01/18 0 8688745 E22/G02 F 88,000.00 ZZ 180 88,000.00 1 5.500 719.03 63 5.250 719.03 LEXINGTON SC 29072 2 05/05/03 00 0416687838 05 07/01/03 0 0416687838 O 06/01/18 0 8688755 E22/G02 F 52,000.00 ZZ 180 52,000.00 1 5.500 424.88 80 5.250 424.88 SPOKANE WA 99202 2 05/05/03 00 0416695849 05 07/01/03 0 0416695849 N 06/01/18 0 8688851 E22/G02 F 326,000.00 ZZ 180 326,000.00 1 5.750 2,707.14 78 5.500 2,707.14 CROFTON MD 21114 2 05/05/03 00 0416853067 05 07/01/03 0 0416853067 O 06/01/18 0 8688887 E22/G02 F 65,000.00 ZZ 120 65,000.00 1 5.125 693.40 55 4.875 693.40 IRVING TX 75061 5 05/05/03 00 0416906907 05 07/01/03 0 0416906907 O 06/01/13 0 8688891 E22/G02 F 572,000.00 ZZ 180 572,000.00 1 1 5.500 4,673.72 78 5.250 4,673.72 TROY MI 48098 2 05/05/03 00 0416909414 05 07/01/03 0 0416909414 O 06/01/18 0 8688913 E22/G02 F 60,000.00 ZZ 180 60,000.00 1 5.875 502.27 87 5.625 502.27 ARDMORE OK 73401 2 05/05/03 01 0416940583 05 07/01/03 25 0416940583 O 06/01/18 0 8688941 E22/G02 F 52,500.00 ZZ 180 52,500.00 2 6.000 443.02 66 5.750 443.02 WEST PALM BEACH FL 33407 5 05/09/03 00 0416975126 05 07/01/03 0 0416975126 N 06/01/18 0 8688971 E22/G02 F 240,000.00 ZZ 180 240,000.00 1 5.375 1,945.12 80 5.125 1,945.12 LOUISVILLE KY 40241 1 05/09/03 00 0417050291 05 07/01/03 0 0417050291 O 06/01/18 0 8689023 E82/G02 F 87,600.00 ZZ 180 87,600.00 4 5.375 709.97 88 5.125 709.97 CHICAGO IL 60608 2 05/08/03 04 0400832036 05 07/01/03 12 0400832036 O 06/01/18 0 8689035 E82/G02 F 135,700.00 ZZ 180 135,700.00 1 5.375 1,099.80 63 5.125 1,099.80 WALLINGFORD PA 19086 2 05/05/03 00 0400815999 05 07/01/03 0 1 0400815999 O 06/01/18 0 8689045 E82/G02 F 87,100.00 ZZ 180 87,100.00 1 5.375 705.92 57 5.125 705.92 CHANDLER AZ 85226 2 05/07/03 00 0400822565 03 07/01/03 0 0400822565 O 06/01/18 0 8689059 E82/G02 F 95,050.00 ZZ 180 95,050.00 2 5.875 795.68 61 5.625 795.68 ROUND ROCK TX 78681 2 05/12/03 00 0400821963 05 07/01/03 0 0400821963 N 06/01/18 0 8689093 M24/G02 F 540,000.00 ZZ 180 538,062.75 1 5.500 4,412.25 68 5.250 4,412.25 LOS ANGELES CA 90036 2 04/21/03 00 0435873732 05 06/01/03 0 201212343 O 05/01/18 0 8689607 N67/G02 F 75,250.00 ZZ 180 74,778.92 1 7.125 681.64 27 6.875 681.64 HINGHAM MA 02043 5 03/31/03 00 0435823802 05 05/01/03 0 3275003328 O 04/01/18 0 8690795 N67/G02 F 100,000.00 ZZ 180 100,000.00 1 5.750 830.41 48 5.500 830.41 HIALEAH FL 33014 2 05/05/03 00 0435821863 05 07/01/03 0 3254005962 O 06/01/18 0 1 8690807 N67/G02 F 116,000.00 ZZ 180 116,000.00 1 6.000 978.87 57 5.750 978.87 MIAMI FL 33134 2 05/01/03 00 0435821962 05 07/01/03 0 3254005970 O 06/01/18 0 8691669 N67/G02 F 480,000.00 ZZ 180 480,000.00 1 5.000 3,795.81 80 4.750 3,795.81 ROWLAND HEIGHTS CA 91748 5 05/01/03 00 0435828710 03 07/01/03 0 1260006362 O 06/01/18 0 8691673 N67/G02 F 650,000.00 ZZ 180 647,568.17 1 5.000 5,140.16 74 4.750 5,140.16 HENDERSON NV 89074 2 04/25/03 00 0435828769 03 06/01/03 0 1360002005 O 05/01/18 0 8691687 N67/G02 F 120,000.00 ZZ 180 119,551.05 1 5.000 948.95 58 4.750 948.95 MESA AZ 85205 5 04/22/03 00 0435828934 03 06/01/03 0 1760004376 O 05/01/18 0 8691699 N67/G02 F 434,000.00 ZZ 180 432,393.17 1 5.125 3,460.37 70 4.875 3,460.37 PARADISE VALLEY AZ 85253 5 04/23/03 00 0435829106 05 06/01/03 0 1760004468 O 05/01/18 0 8691707 N67/G02 F 303,300.00 ZZ 180 303,300.00 1 5.125 2,418.27 41 4.875 2,418.27 1 TEMPE AZ 85284 2 05/01/03 00 0435829163 03 07/01/03 0 1760004536 O 06/01/18 0 8691721 N67/G02 F 252,000.00 ZZ 180 251,057.20 1 5.000 1,992.80 60 4.750 1,992.80 FREMONT CA 94536 1 04/22/03 00 0435829312 05 06/01/03 0 1781005244 O 05/01/18 0 8691907 N67/G02 F 40,800.00 ZZ 180 40,659.71 1 6.000 344.29 80 5.750 344.29 ORLANDO FL 32818 1 04/28/03 00 0435830567 03 06/01/03 0 3252004647 N 05/01/18 0 8691915 N67/G02 F 44,000.00 ZZ 180 43,848.70 1 6.000 371.30 80 5.750 371.30 ORLANDO FL 32818 1 04/28/03 00 0435830609 03 06/01/03 0 3252004648 N 05/01/18 0 8691923 N67/G02 F 45,600.00 ZZ 180 45,443.20 1 6.000 384.80 80 5.750 384.80 ORLANDO FL 32818 1 04/28/03 00 0435830625 03 06/01/03 0 3252004649 N 05/01/18 0 8692397 K15/G02 F 152,700.00 ZZ 180 152,169.31 1 5.875 1,278.28 73 5.625 1,278.28 HAMDEN CT 06517 2 04/25/03 00 0435793153 05 06/01/03 0 037405509053 O 05/01/18 0 1 8692475 A06/G02 F 301,000.00 ZZ 180 301,000.00 1 5.500 2,459.43 26 5.250 2,459.43 WEST BLOOMFIELD MI 48323 2 05/06/03 00 0435809462 05 07/01/03 0 1000020307911 O 06/01/18 0 8693195 N74/G02 F 117,000.00 ZZ 180 116,566.83 1 5.125 932.86 90 4.875 932.86 GOOSE CREEK SC 29445 5 04/30/03 10 0435863527 05 06/05/03 30 0032290010 O 05/05/18 0 8693779 U87/G02 F 292,450.00 ZZ 180 292,450.00 1 5.500 2,389.56 75 5.250 2,389.56 SANTA CLARITA CA 91350 5 05/09/03 00 0435862297 05 07/01/03 0 0685 O 06/01/18 0 8694579 562/G02 F 140,000.00 ZZ 180 140,000.00 1 5.500 1,143.92 50 5.250 1,143.92 BUDD LAKE NJ 07828 5 05/07/03 00 0435802434 05 07/01/03 0 297063076 O 06/01/18 0 8694755 W39/G02 F 79,000.00 ZZ 120 79,000.00 1 5.375 852.47 77 5.125 852.47 HATTIESBURG MS 39401 5 05/05/03 00 0435869334 05 07/01/03 0 LA031959 O 06/01/13 0 8695843 A21/G02 F 638,000.00 ZZ 180 635,711.17 1 1 5.500 5,213.00 76 5.250 5,213.00 CRESSKILL NJ 07626 2 04/30/03 00 0435791900 05 06/01/03 0 0100134689 O 05/01/18 0 8695973 Q87/G02 F 64,000.00 TX 180 63,779.93 1 6.000 540.07 66 5.750 540.07 TERRELL TX 75161 5 04/28/03 00 0435864889 05 06/02/03 0 CADA02 O 05/02/18 0 8696171 K15/G02 F 93,000.00 ZZ 180 92,662.83 1 5.375 753.73 80 5.125 753.73 LISBON FALLS ME 04252 5 04/24/03 00 0435795836 05 06/01/03 0 007705513745 O 05/01/18 0 8696177 U05/G02 F 600,000.00 ZZ 180 597,824.71 1 5.375 4,862.79 75 5.125 4,862.79 LINCOLN CA 95648 5 04/21/03 00 0435890157 05 06/01/03 0 3333432 O 05/01/18 0 8696313 624/G02 F 210,000.00 ZZ 180 209,277.90 4 6.000 1,772.10 80 5.750 1,772.10 LAS VEGAS NV 89103 1 04/24/03 00 0435811401 05 06/01/03 0 1000029828 N 05/01/18 0 8696373 N47/G02 F 200,000.00 ZZ 180 200,000.00 1 5.625 1,647.46 38 5.375 1,647.46 FOSTER CITY CA 94404 5 05/02/03 00 0435874433 09 07/01/03 0 1 20504114 O 06/01/18 0 8696469 L20/G02 F 101,600.00 ZZ 180 101,600.00 1 5.500 830.16 80 5.250 830.16 CLINTON UT 84015 5 05/06/03 00 0435856257 05 07/01/03 0 1061110075 O 06/01/18 0 8696475 624/G02 F 245,600.00 ZZ 180 244,700.18 1 5.250 1,974.32 80 5.000 1,974.32 SAN DIEGO CA 92139 5 04/25/03 00 0435811377 05 06/01/03 0 1000030085 O 05/01/18 0 8696511 M27/G02 F 85,000.00 T 180 85,000.00 1 5.375 688.90 78 5.125 688.90 NORTH MYRTLE BE SC 29582 1 05/07/03 00 0435841069 03 07/01/03 0 600928376 O 06/01/18 0 8697695 E22/G02 F 165,000.00 ZZ 180 165,000.00 1 5.500 1,348.19 74 5.250 1,348.19 IRVING TX 75063 5 05/05/03 00 0415852599 03 07/01/03 0 0415852599 O 06/01/18 0 8697699 E22/G02 F 74,000.00 ZZ 180 73,737.32 1 5.625 609.56 80 5.375 609.56 FORT WAYNE IN 46804 2 05/06/03 00 0416070407 05 06/01/03 0 0416070407 O 05/01/18 0 1 8697715 E22/G02 F 96,800.00 ZZ 180 96,800.00 1 5.625 797.37 80 5.375 797.37 BALCH SPRINGS TX 75180 5 05/07/03 00 0416231983 05 07/01/03 0 0416231983 O 06/01/18 0 8697737 E22/G02 F 260,000.00 ZZ 180 260,000.00 1 5.375 2,107.21 74 5.125 2,107.21 BIRMINGHAM AL 35213 2 05/07/03 00 0416448843 05 07/01/03 0 0416448843 O 06/01/18 0 8697801 E22/G02 F 310,000.00 ZZ 180 310,000.00 1 5.250 2,492.02 76 5.000 2,492.02 TULSA OK 74137 5 05/06/03 00 0416588929 03 07/01/03 0 0416588929 O 06/01/18 0 8697829 E22/G02 F 325,600.00 ZZ 180 325,600.00 1 5.875 2,725.66 80 5.625 2,725.66 ARLINGTON TX 76016 5 05/07/03 00 0416661676 05 07/01/03 0 0416661676 O 06/01/18 0 8697857 E22/G02 F 358,000.00 ZZ 180 358,000.00 1 5.375 2,901.47 80 5.125 2,901.47 MELROSE MA 02176 5 05/07/03 00 0416707800 07 07/01/03 0 0416707800 O 06/01/18 0 8697971 E22/G02 F 150,000.00 ZZ 180 150,000.00 1 5.375 1,215.70 89 5.125 1,215.70 1 LAWRENCE KS 66049 5 05/07/03 01 0416827152 05 07/01/03 25 0416827152 O 06/01/18 0 8697983 E22/G02 F 36,500.00 ZZ 180 36,500.00 1 5.750 303.10 65 5.500 303.10 MOSS POINT MS 39562 5 05/07/03 00 0416840882 05 07/01/03 0 0416840882 O 06/01/18 0 8698013 E22/G02 F 78,500.00 ZZ 180 78,500.00 1 5.375 636.22 42 5.125 636.22 SIMPSONVILLE SC 29681 2 05/07/03 00 0416885028 05 07/01/03 0 0416885028 O 06/01/18 0 8698049 E22/G02 F 80,000.00 ZZ 180 80,000.00 1 5.625 658.99 90 5.375 658.99 EASTABOGA AL 36260 5 05/06/03 04 0416911717 05 07/01/03 12 0416911717 O 06/01/18 0 8698077 E22/G02 F 191,100.00 ZZ 180 191,100.00 1 5.875 1,599.73 71 5.625 1,599.73 PEMBROKE PINES FL 33028 5 05/07/03 00 0416939049 03 07/01/03 0 0416939049 O 06/01/18 0 8698155 E22/G02 F 69,044.00 ZZ 180 69,044.00 1 5.500 564.15 76 5.250 564.15 WILMORE KY 40390 2 05/07/03 00 0417028461 05 07/01/03 0 0417028461 O 06/01/18 0 1 8698303 E82/G02 F 94,200.00 ZZ 180 94,200.00 2 6.250 807.69 59 6.000 807.69 SPRINGFIELD OR 97478 2 05/09/03 00 0400821104 05 07/01/03 0 0400821104 N 06/01/18 0 8698341 E82/G02 F 119,800.00 ZZ 180 119,800.00 1 5.375 970.94 35 5.125 970.94 WOODSIDE NY 11377 2 05/09/03 00 0400835278 05 07/01/03 0 0400835278 O 06/01/18 0 8698373 E82/G02 F 96,500.00 ZZ 180 96,500.00 1 5.375 782.10 38 5.125 782.10 FAIR OAKS CA 95628 2 05/07/03 00 0400822037 05 07/01/03 0 0400822037 O 06/01/18 0 8698389 E82/G02 F 87,000.00 ZZ 180 87,000.00 1 5.625 716.65 55 5.375 716.65 SPANAWAY WA 98387 2 05/12/03 00 0400821286 05 07/01/03 0 0400821286 N 06/01/18 0 8699343 253/253 F 75,050.00 ZZ 180 74,786.38 1 5.750 623.23 95 5.500 623.23 FORT WAYNE IN 46835 5 04/25/03 10 464196 05 06/01/03 30 464196 O 05/01/18 0 8699411 P34/G02 F 112,500.00 ZZ 180 112,096.40 1 1 5.500 919.22 90 5.250 919.22 CROFTON MD 21114 2 04/30/03 10 0435886676 01 06/01/03 20 16075 N 05/01/18 0 8699837 964/G02 F 200,500.00 ZZ 180 199,742.01 1 4.875 1,572.52 59 4.625 1,572.52 BURBANK CA 91506 5 04/16/03 00 0435813258 05 06/01/03 0 376658 O 05/01/18 0 8699841 964/G02 F 45,000.00 ZZ 180 44,843.61 1 5.875 376.70 26 5.625 376.70 FRESNO CA 93722 5 04/17/03 00 0435808696 05 06/01/03 0 383523 O 05/01/18 0 8699855 964/G02 F 205,000.00 ZZ 180 204,241.01 1 5.125 1,634.51 43 4.875 1,634.51 SAN JOSE CA 95123 2 04/09/03 00 0435816434 05 06/01/03 0 331251 O 05/01/18 0 8699865 964/G02 F 212,000.00 ZZ 180 211,231.39 1 5.375 1,718.19 22 5.125 1,718.19 PALO ALTO CA 94303 2 04/04/03 00 0435863774 05 06/01/03 0 346922 O 05/01/18 0 8699871 964/G02 F 132,000.00 ZZ 180 131,495.76 1 4.750 1,026.74 44 4.500 1,026.74 FOUNTAIN VALLEY CA 92708 5 04/16/03 00 0435867791 09 06/01/03 0 1 388099 O 05/01/18 0 8699873 964/G02 F 92,000.00 ZZ 180 91,680.27 1 5.875 770.15 61 5.625 770.15 LAS VEGAS NV 89128 2 04/17/03 00 0435816640 05 06/01/03 0 349994 N 05/01/18 0 8699897 964/G02 F 173,000.00 ZZ 180 172,366.17 1 5.250 1,390.71 35 5.000 1,390.71 SAN FRANCISCO CA 94134 2 04/17/03 00 0435808159 05 06/01/03 0 391009 O 05/01/18 0 8699921 964/G02 F 321,500.00 ZZ 120 319,457.13 1 5.250 3,449.43 68 5.000 3,449.43 VACAVILLE CA 95687 5 04/09/03 00 0435867494 05 06/01/03 0 389688 O 05/01/13 0 8699929 964/G02 F 131,200.00 ZZ 180 130,719.31 1 5.250 1,054.69 68 5.000 1,054.69 MIAMI FL 33189 2 04/17/03 00 0435807722 05 06/01/03 0 409678 O 05/01/18 0 8699939 964/G02 F 121,000.00 ZZ 180 120,561.32 1 5.375 980.66 67 5.125 980.66 RENO NV 89509 2 04/15/03 00 0435809546 05 06/01/03 0 391690 O 05/01/18 0 1 8699947 964/G02 F 83,000.00 ZZ 180 82,699.08 1 5.375 672.69 66 5.125 672.69 LAS VEGAS NV 89107 5 04/14/03 00 0435811864 05 06/01/03 0 392174 O 05/01/18 0 8699951 964/G02 F 204,000.00 ZZ 180 203,228.78 1 4.875 1,599.97 74 4.625 1,599.97 PORTLAND OR 97229 1 04/23/03 00 0435813886 03 06/01/03 0 410962 O 05/01/18 0 8699955 964/G02 F 96,000.00 ZZ 180 95,651.95 1 5.375 778.05 80 5.125 778.05 HOUSTON TX 77055 1 04/25/03 00 0435810346 05 06/01/03 0 411717 N 05/01/18 0 8699969 964/G02 F 142,000.00 ZZ 180 141,490.57 1 5.500 1,160.26 79 5.250 1,160.26 OVERLAND PARK KS 66207 2 04/23/03 00 0435816459 05 06/01/03 0 398629 O 05/01/18 0 8699991 964/G02 F 260,000.00 ZZ 180 259,037.38 1 5.125 2,073.04 46 4.875 2,073.04 MILPITAS CA 95035 2 04/10/03 00 0435805007 05 06/01/03 0 378678 O 05/01/18 0 8699999 964/G02 F 108,500.00 ZZ 180 108,094.07 1 5.000 858.01 63 4.750 858.01 1 LEAGUE CITY TX 77573 2 04/23/03 00 0435814561 03 06/01/03 0 402335 O 05/01/18 0 8700003 964/G02 F 212,000.00 ZZ 180 211,206.84 1 5.000 1,676.49 53 4.750 1,676.49 CARSON CITY NV 89703 2 04/11/03 00 0435816160 05 06/01/03 0 379536 O 05/01/18 0 8700005 964/G02 F 287,500.00 ZZ 180 286,468.59 1 5.500 2,349.12 53 5.250 2,349.12 WOODLAND HILLS CA 91367 2 04/18/03 00 0435817093 05 06/01/03 0 391282 O 05/01/18 0 8700057 964/G02 F 158,000.00 ZZ 180 157,427.17 1 5.375 1,280.54 17 5.125 1,280.54 FREMONT CA 94539 2 04/09/03 00 0435836564 03 06/01/03 0 364941 O 05/01/18 0 8700063 964/G02 F 147,000.00 ZZ 180 146,467.05 1 5.375 1,191.39 70 5.125 1,191.39 MENTONE CA 92359 5 04/03/03 00 0435807284 05 06/01/03 0 380283 O 05/01/18 0 8700081 964/G02 F 86,500.00 ZZ 180 86,186.40 1 5.375 701.05 70 5.125 701.05 HOUSTON TX 77082 2 04/16/03 00 0435817150 03 06/01/03 0 395423 O 05/01/18 0 1 8700083 964/G02 F 180,000.00 ZZ 180 179,326.57 1 5.000 1,423.43 23 4.750 1,423.43 LOS GATOS CA 95032 5 04/09/03 00 0435811575 05 06/01/03 0 381578 O 05/01/18 0 8700103 964/G02 F 260,000.00 ZZ 180 259,017.07 1 4.875 2,039.18 34 4.625 2,039.18 SOUTH SAN FRANC CA 94080 2 04/09/03 00 0435817085 05 06/01/03 0 372028 O 05/01/18 0 8700105 964/G02 F 157,000.00 ZZ 180 156,442.68 1 5.625 1,293.26 74 5.375 1,293.26 SEATTLE WA 98178 2 04/18/03 00 0435836507 05 06/01/03 0 397604 O 05/01/18 0 8700107 964/G02 F 200,000.00 ZZ 180 199,259.53 1 5.125 1,594.64 36 4.875 1,594.64 SAN FRANCISCO CA 94116 5 04/03/03 00 0435867148 05 06/01/03 0 372153 O 05/01/18 0 8700111 964/G02 F 120,000.00 ZZ 180 119,546.34 1 4.875 941.16 38 4.625 941.16 SAN LEANDRO CA 94577 5 04/10/03 00 0435817689 05 06/01/03 0 372430 O 05/01/18 0 8700127 964/G02 F 93,500.00 ZZ 180 93,146.52 1 1 4.875 733.32 67 4.625 733.32 STATELINE NV 89448 2 04/15/03 00 0435807797 01 06/01/03 0 373021 O 05/01/18 0 8700135 964/G02 F 257,000.00 ZZ 180 256,038.49 1 5.000 2,032.34 29 4.750 2,032.34 HALF MOON BAY CA 94019 2 04/07/03 00 0435806963 05 06/01/03 0 374564 O 05/01/18 0 8700141 964/G02 F 87,000.00 ZZ 180 86,684.58 1 5.375 705.11 49 5.125 705.11 EAGLE CO 81631 2 04/23/03 00 0435810619 05 06/01/03 0 380611 N 05/01/18 0 8700143 964/G02 F 177,000.00 ZZ 180 176,330.85 1 4.875 1,388.21 31 4.625 1,388.21 SAN FRANCISCO CA 94116 5 04/11/03 00 0435816285 05 06/01/03 0 374914 O 05/01/18 0 8700157 964/G02 F 135,000.00 ZZ 180 134,494.93 1 5.000 1,067.57 22 4.750 1,067.57 SAN RAFAEL CA 94903 5 03/31/03 00 0435816376 05 06/01/03 0 376249 O 05/01/18 0 8700159 964/G02 F 210,000.00 ZZ 180 209,238.65 1 5.375 1,701.98 27 5.125 1,701.98 SAN JOSE CA 95129 5 04/16/03 00 0435817135 05 06/01/03 0 1 381450 O 05/01/18 0 8700161 964/G02 F 264,000.00 ZZ 180 263,012.30 1 5.000 2,087.70 62 4.750 2,087.70 SCOTTSDALE AZ 85259 2 04/08/03 00 0435817176 03 06/01/03 0 376284 O 05/01/18 0 8700167 964/G02 F 250,000.00 ZZ 180 249,064.68 1 5.000 1,976.99 53 4.750 1,976.99 TORRANCE CA 90503 2 04/15/03 00 0435813712 05 06/01/03 0 381927 O 05/01/18 0 8700175 964/G02 F 160,000.00 ZZ 180 159,388.80 1 4.750 1,244.53 29 4.500 1,244.53 SAN JOSE CA 95131 2 04/21/03 00 0435817069 05 06/01/03 0 382209 O 05/01/18 0 8700187 964/G02 F 186,000.00 ZZ 180 185,311.35 1 5.125 1,483.02 47 4.875 1,483.02 SAN FRANCISCO CA 94112 2 04/11/03 00 0435815923 05 06/01/03 0 376906 O 05/01/18 0 8700189 964/G02 F 160,000.00 ZZ 180 159,425.99 1 5.500 1,307.34 50 5.250 1,307.34 TEMPLE CITY CA 91780 5 04/15/03 00 0435814165 05 06/01/03 0 376975 O 05/01/18 0 1 8700199 964/G02 F 190,000.00 ZZ 180 189,281.71 1 4.875 1,490.17 60 4.625 1,490.17 PETALUMA CA 94954 2 04/10/03 00 0435807383 05 06/01/03 0 356673 O 05/01/18 0 8700209 964/G02 F 216,000.00 ZZ 180 215,216.89 1 5.375 1,750.61 80 5.125 1,750.61 FORT COLLINS CO 80525 5 04/21/03 00 0435829148 03 06/01/03 0 383458 O 05/01/18 0 8700217 964/G02 F 322,700.00 ZZ 180 321,517.70 1 5.250 2,594.11 63 5.000 2,594.11 LAKE FOREST CA 92679 2 04/21/03 00 0435817143 03 06/01/03 0 383881 O 05/01/18 0 8700229 964/G02 F 315,000.00 ZZ 180 313,833.75 1 5.125 2,511.56 51 4.875 2,511.56 FAIRFAX CA 94930 5 04/16/03 00 0435811369 05 06/01/03 0 384236 O 05/01/18 0 8700237 964/G02 F 66,000.00 ZZ 180 65,753.08 1 5.000 521.92 66 4.750 521.92 BILLINGS MT 59105 2 04/11/03 00 0435809165 05 06/01/03 0 363894 O 05/01/18 0 8700239 964/G02 F 131,500.00 ZZ 180 131,002.87 1 4.875 1,031.35 56 4.625 1,031.35 1 LIBERTY MO 64068 2 04/18/03 00 0435817606 05 06/01/03 0 384909 O 05/01/18 0 8700263 964/G02 F 600,000.00 ZZ 180 597,892.53 1 5.750 4,982.47 69 5.500 4,982.47 PENN VALLEY CA 95946 5 04/16/03 00 0435809769 03 06/01/03 0 385130 N 05/01/18 0 8700271 964/G02 F 116,000.00 ZZ 180 115,575.00 1 5.250 932.50 46 5.000 932.50 SAN RAFAEL CA 94901 2 04/14/03 00 0435816483 01 06/01/03 0 385738 O 05/01/18 0 8700273 964/G02 F 130,000.00 ZZ 180 129,508.54 1 4.875 1,019.59 39 4.625 1,019.59 TEMPLE CITY CA 91780 2 04/14/03 00 0435815022 05 06/01/03 0 371081 O 05/01/18 0 8700279 964/G02 F 247,000.00 ZZ 180 246,113.88 1 5.500 2,018.20 62 5.250 2,018.20 SAN JOSE CA 95122 5 04/16/03 00 0435822358 05 06/01/03 0 386372 O 05/01/18 0 8700349 964/G02 F 225,000.00 ZZ 180 224,184.26 1 5.375 1,823.55 65 5.125 1,823.55 TEMPLETON CA 93465 2 04/01/03 00 0435811658 05 06/01/03 0 351654 O 05/01/18 0 1 8700361 964/G02 F 84,000.00 ZZ 180 83,692.24 1 5.250 675.26 75 5.000 675.26 FORT WORTH TX 76107 2 04/16/03 00 0435868252 05 06/01/03 0 357034 O 05/01/18 0 8700375 964/G02 F 300,700.00 ZZ 180 299,609.82 1 5.375 2,437.07 32 5.125 2,437.07 CUPERTINO CA 95014 2 04/22/03 00 0435861034 05 06/01/03 0 361112 O 05/01/18 0 8700393 964/G02 F 200,000.00 ZZ 180 199,267.24 1 5.250 1,607.76 15 5.000 1,607.76 ORINDA CA 94563 5 04/15/03 00 0435817614 05 06/01/03 0 364912 O 05/01/18 0 8700423 964/G02 F 167,000.00 ZZ 180 166,381.70 1 5.125 1,331.53 60 4.875 1,331.53 CARMICHAEL CA 95608 5 04/18/03 00 0435811559 05 06/01/03 0 366942 O 05/01/18 0 8700447 964/G02 F 107,500.00 ZZ 180 107,093.60 1 4.875 843.12 70 4.625 843.12 GARLAND TX 75040 2 04/22/03 00 0435807508 03 06/01/03 0 370656 O 05/01/18 0 8700453 964/G02 F 136,300.00 ZZ 180 135,784.72 1 1 4.875 1,069.00 75 4.625 1,069.00 OKLAHOMA CITY OK 73165 2 04/22/03 00 0435817986 05 06/01/03 0 372192 O 05/01/18 0 8700455 964/G02 F 249,000.00 ZZ 180 248,058.66 1 4.875 1,952.90 26 4.625 1,952.90 SAN ANSELMO CA 94960 5 04/09/03 00 0435811815 05 06/01/03 0 372210 O 05/01/18 0 8700469 825/G02 F 71,000.00 ZZ 180 71,000.00 1 5.125 566.10 54 4.875 566.10 LA VETA CO 81055 2 05/08/03 00 0435848767 05 07/01/03 0 HENSON O 06/01/18 0 8700473 964/G02 F 237,000.00 ZZ 180 236,149.76 1 5.500 1,936.49 51 5.250 1,936.49 ROWLAND HEIGHTS CA 91748 2 04/16/03 00 0435806989 05 06/01/03 0 373776 O 05/01/18 0 8700475 964/G02 F 322,000.00 ZZ 180 320,795.31 1 5.000 2,546.36 52 4.750 2,546.36 SAN JOSE CA 95124 5 04/15/03 00 0435866991 03 06/01/03 0 373849 O 05/01/18 0 8700483 964/G02 F 140,000.00 ZZ 180 139,470.73 1 4.875 1,098.02 39 4.625 1,098.02 PASO ROBLES CA 93446 5 04/21/03 00 0435817978 05 06/01/03 0 1 374705 O 05/01/18 0 8700537 964/G02 F 168,000.00 ZZ 180 167,403.63 1 5.625 1,383.87 65 5.375 1,383.87 GURNEE IL 60031 2 04/17/03 00 0435812276 05 06/01/03 0 379643 O 05/01/18 0 8700659 L96/G02 F 252,000.00 ZZ 180 252,000.00 1 5.625 2,075.80 56 5.375 2,075.80 MAKAWAO HI 96768 2 05/06/03 00 0435848932 05 07/01/03 0 4038140000 N 06/01/18 0 8701031 Q30/G02 F 136,000.00 ZZ 180 136,000.00 1 5.500 1,111.23 80 5.250 1,111.23 TORRINGTON CT 06790 5 05/09/03 00 0435879903 05 07/01/03 0 21021899 O 06/01/18 0 8701061 X31/G02 F 135,000.00 ZZ 180 135,000.00 1 5.375 1,094.13 65 5.125 1,094.13 CALABASAS CA 91302 2 05/01/03 00 0435863444 09 07/01/03 0 80000807 N 06/01/18 0 8701173 T29/G02 F 183,000.00 ZZ 180 183,000.00 1 5.375 1,483.15 75 5.125 1,483.15 RANCHO CUCAMONG CA 91701 2 05/06/03 00 0435863162 05 07/01/03 0 1536076 O 06/01/18 0 1 8701305 624/G02 F 200,000.00 ZZ 180 199,259.53 1 5.125 1,594.64 77 4.875 1,594.64 NORWALK CA 90650 5 04/23/03 00 0435812656 05 06/01/03 0 1000028203 O 05/01/18 0 8702219 E82/G02 F 85,200.00 ZZ 180 85,200.00 1 5.375 690.52 66 5.125 690.52 NORTH LAS VEGAS NV 89031 2 05/13/03 00 0400825584 05 07/01/03 0 0400825584 N 06/01/18 0 8702221 E82/G02 F 50,800.00 ZZ 180 50,800.00 1 6.250 435.57 48 6.000 435.57 AURORA CO 80013 2 05/09/03 00 0400822870 01 07/01/03 0 0400822870 N 06/01/18 0 8702241 E82/G02 F 63,900.00 ZZ 180 63,900.00 1 5.500 522.12 38 5.250 522.12 MIAMI FL 33175 2 05/08/03 00 0400827473 05 07/01/03 0 0400827473 O 06/01/18 0 8702253 E82/G02 F 66,800.00 ZZ 180 66,800.00 1 5.875 559.20 57 5.625 559.20 ESTES PARK CO 80517 2 05/13/03 00 0400823712 01 07/01/03 0 0400823712 N 06/01/18 0 8702269 E22/G02 F 201,600.00 ZZ 180 201,600.00 1 5.375 1,633.90 80 5.125 1,633.90 1 MIAMI SPRINGS FL 33166 5 05/08/03 00 0416467538 05 07/01/03 0 0416467538 O 06/01/18 0 8702371 E22/G02 F 176,000.00 ZZ 180 176,000.00 1 5.625 1,449.77 79 5.375 1,449.77 CARROLLTON TX 75006 5 05/08/03 00 0416977791 03 07/01/03 0 0416977791 O 06/01/18 0 8702415 E22/G02 F 125,000.00 ZZ 180 124,542.03 1 5.250 1,004.85 20 5.000 1,004.85 FREMONT CA 94536 2 04/18/03 00 0416347342 05 06/01/03 0 0416347342 O 05/01/18 0 8702465 E22/G02 F 76,000.00 ZZ 180 76,000.00 1 5.500 620.98 64 5.250 620.98 GRAND JUNCTION CO 81503 2 05/13/03 00 0416820397 09 07/01/03 0 0416820397 N 06/01/18 0 8702479 E22/G02 F 65,000.00 ZZ 180 65,000.00 2 6.000 548.51 73 5.750 548.51 PONTIAC MI 48342 5 05/08/03 00 0416842912 05 07/01/03 0 0416842912 O 06/01/18 0 8702511 E22/G02 F 76,500.00 ZZ 180 76,500.00 1 5.875 640.40 90 5.625 640.40 NEWPORT TN 37821 5 05/08/03 01 0416928109 05 07/01/03 25 0416928109 O 06/01/18 0 1 8702519 E22/G02 F 47,000.00 ZZ 180 47,000.00 1 6.125 399.79 68 5.875 399.79 JACKSON MI 49202 5 05/13/03 00 0416938900 05 07/01/03 0 0416938900 N 06/01/18 0 8702533 E22/G02 F 31,500.00 ZZ 180 31,500.00 1 6.000 265.81 63 5.750 265.81 TULSA OK 74107 2 05/12/03 00 0416945335 05 07/01/03 0 0416945335 N 06/01/18 0 8702581 E22/G02 F 70,000.00 ZZ 180 70,000.00 1 5.250 562.71 35 5.000 562.71 SAN ANTONIO TX 78209 5 05/05/03 00 0416792497 05 07/01/03 0 0416792497 O 06/01/18 0 8702583 E22/G02 F 49,500.00 ZZ 180 49,500.00 1 6.000 417.71 59 5.750 417.71 HOUSTON TX 77066 5 05/08/03 00 0416793800 03 07/01/03 0 0416793800 O 06/01/18 0 8704279 952/G02 F 240,000.00 ZZ 180 240,000.00 2 5.375 1,945.12 56 5.125 1,945.12 ELMWOOD PARK NJ 07407 2 05/08/03 00 0435863469 05 07/01/03 0 03002504 O 06/01/18 0 8705147 144/144 F 413,000.00 ZZ 180 410,060.99 1 1 5.625 3,402.01 28 5.375 3,402.01 PLEASANTVILLE NY 10570 5 03/25/03 00 03COLELLAR 05 05/01/03 0 03COLELLAR O 04/01/18 0 8705171 K15/G02 F 380,000.00 ZZ 180 378,679.37 1 5.875 3,181.05 79 5.625 3,181.05 TOLLAND CT 06084 5 04/25/03 00 0435816525 05 06/01/03 0 037605509192 O 05/01/18 0 8705503 K15/G02 F 77,000.00 ZZ 180 76,735.23 1 6.000 649.77 90 5.750 649.77 WAVERLY NY 14892 5 04/25/03 41 0435813845 05 06/01/03 12 029505514134 O 05/01/18 0 8705583 E57/G02 F 128,000.00 ZZ 180 127,535.93 1 5.375 1,037.40 80 5.125 1,037.40 RIVERSIDE CA 92505 2 04/24/03 00 0435870878 05 06/01/03 0 06015154 O 05/01/18 0 8705591 144/144 F 94,250.00 ZZ 180 93,561.25 1 5.375 763.86 65 5.125 763.86 MIDDLETOWN NY 10940 5 03/24/03 00 160717678 03 05/01/03 0 160717678 O 04/01/18 0 8705681 K15/G02 F 117,600.00 ZZ 180 117,173.64 1 5.375 953.11 80 5.125 953.11 SANTA FE NM 87505 5 04/22/03 00 0435816814 05 06/01/03 0 1 033505515054 O 05/01/18 0 8705757 K15/G02 F 99,000.00 ZZ 180 98,659.58 1 6.000 835.42 90 5.750 835.42 MARENGO OH 43334 5 04/25/03 41 0435832720 05 06/01/03 12 028005508016 O 05/01/18 0 8705835 F36/G02 F 240,000.00 ZZ 180 239,148.04 1 5.625 1,976.96 63 5.375 1,976.96 ENUMCLAW WA 98022 5 04/25/03 00 0435870191 05 06/01/03 0 06505994 O 05/01/18 0 8705931 M27/G02 F 104,000.00 ZZ 180 104,000.00 1 5.375 842.88 72 5.125 842.88 NASHVILLE TN 37211 5 05/06/03 00 0435860671 05 07/01/03 0 5000118131 O 06/01/18 0 8706597 420/G02 F 115,000.00 ZZ 180 115,000.00 1 5.500 939.65 53 5.250 939.65 LAYTONVILLE CA 95454 5 04/28/03 00 0435842489 05 07/01/03 0 73001208 O 06/01/18 0 8706971 738/G02 F 119,750.00 ZZ 180 119,338.23 1 6.000 1,010.52 56 5.750 1,010.52 DEERFIELD BEACH FL 33442 5 04/23/03 00 0435810825 05 06/01/03 0 41034369 O 05/01/18 0 1 8707013 E82/G02 F 100,600.00 ZZ 180 100,600.00 1 5.375 815.33 63 5.125 815.33 DARTMOUTH MA 02747 2 05/12/03 00 0400830089 05 07/01/03 0 0400830089 O 06/01/18 0 8707031 E82/G02 F 59,500.00 ZZ 180 59,500.00 1 5.500 486.16 70 5.250 486.16 HESPERIA CA 92345 2 05/09/03 00 0400834990 05 07/01/03 0 0400834990 O 06/01/18 0 8707035 964/G02 F 128,000.00 ZZ 180 127,531.04 1 5.250 1,028.96 32 5.000 1,028.96 HUNTINGTON BEAC CA 92648 5 04/04/03 00 0435878665 01 06/01/03 0 382725 O 05/01/18 0 8707039 E82/G02 F 92,100.00 ZZ 180 92,100.00 1 5.500 752.53 61 5.250 752.53 TUCSON AZ 85742 2 05/12/03 00 0400828075 03 07/01/03 0 0400828075 N 06/01/18 0 8707051 E82/G02 F 86,000.00 ZZ 180 86,000.00 1 5.375 697.00 26 5.125 697.00 WESTMINSTER CA 92683 2 05/09/03 00 0400826293 05 07/01/03 0 0400826293 O 06/01/18 0 8707053 E82/G02 F 47,100.00 ZZ 180 47,100.00 1 6.000 397.46 59 5.750 397.46 1 AUSTIN TX 78705 2 05/12/03 00 0400818290 01 07/01/03 0 0400818290 N 06/01/18 0 8707057 E82/G02 F 65,500.00 ZZ 180 65,500.00 1 5.875 548.31 31 5.625 548.31 SNEADS FERRY NC 28460 2 05/09/03 00 0400783346 05 07/01/03 0 0400783346 O 06/01/18 0 8707069 E82/G02 F 63,300.00 ZZ 180 63,300.00 1 5.625 521.42 49 5.375 521.42 RINGLING OK 73456 2 05/09/03 00 0400803375 05 07/01/03 0 0400803375 O 06/01/18 0 8707071 E82/G02 F 91,200.00 ZZ 180 91,200.00 1 5.625 751.24 50 5.375 751.24 ARTESIA CA 90701 2 05/12/03 00 0400809539 05 07/01/03 0 0400809539 N 06/01/18 0 8707075 E82/G02 F 176,100.00 ZZ 180 176,100.00 1 5.750 1,462.35 75 5.500 1,462.35 TRINITY AL 35673 2 05/12/03 00 0400811394 05 07/01/03 0 0400811394 O 06/01/18 0 8707077 X31/G02 F 344,000.00 ZZ 180 344,000.00 1 5.125 2,742.78 49 4.875 2,742.78 FULLERTON CA 92831 2 05/01/03 00 0435875745 05 07/01/03 0 41000966 O 06/01/18 0 1 8707139 P44/G02 F 195,000.00 ZZ 180 195,000.00 1 5.500 1,593.31 68 5.250 1,593.31 CENTERVILLE MA 02632 2 05/09/03 00 0435879812 05 07/01/03 0 1 N 06/01/18 0 8707253 P09/G02 F 70,000.00 ZZ 180 70,000.00 4 6.000 590.70 38 5.750 590.70 WASHINGTON DC 20020 5 05/09/03 00 0435862701 05 07/01/03 0 CHEVALIER N 06/01/18 0 8707259 P09/G02 F 253,000.00 ZZ 180 253,000.00 1 5.125 2,017.22 43 4.875 2,017.22 ROCKVILLE MD 20852 2 05/09/03 00 0435863956 05 07/01/03 0 GUSKY O 06/01/18 0 8707297 E76/G02 F 128,200.00 ZZ 180 128,200.00 1 5.750 1,064.59 73 5.500 1,064.59 BARTLETT TN 38133 2 05/07/03 00 0435817770 05 07/01/03 0 10023879 O 06/01/18 0 8707349 642/G02 F 334,000.00 ZZ 180 334,000.00 1 5.375 2,706.95 86 5.125 2,706.95 YORKTOWN VA 23693 2 05/07/03 11 0435820410 05 07/01/03 12 04194603 O 06/01/18 0 8707357 E22/G02 F 46,550.00 ZZ 180 46,550.00 1 1 6.125 395.97 95 5.875 395.97 CITRUS SPRINGS FL 34434 5 05/09/03 04 0416916096 05 07/01/03 30 0416916096 O 06/01/18 0 8707407 E22/G02 F 111,800.00 ZZ 180 111,800.00 1 5.375 906.10 79 5.125 906.10 PLANO TX 75023 5 05/09/03 00 0416950871 03 07/01/03 0 0416950871 O 06/01/18 0 8707461 E22/G02 F 114,000.00 ZZ 180 114,000.00 1 5.375 923.93 79 5.125 923.93 AUBRUN GA 30011 2 05/09/03 00 0416980076 05 07/01/03 0 0416980076 O 06/01/18 0 8707475 E22/G02 F 127,300.00 ZZ 180 127,300.00 1 6.125 1,082.85 95 5.875 1,082.85 PARMA OH 44129 5 05/09/03 04 0416991420 05 07/01/03 30 0416991420 O 06/01/18 0 8707521 E22/G02 F 46,350.00 ZZ 180 46,350.00 1 5.875 388.00 90 5.625 388.00 EL DORADO SPRIN MO 64744 5 05/09/03 01 0417052339 05 07/01/03 12 0417052339 O 06/01/18 0 8707539 E22/G02 F 50,000.00 ZZ 120 50,000.00 1 5.625 545.73 35 5.375 545.73 DAVIE FL 33314 5 05/09/03 00 0417065794 01 07/01/03 0 1 0417065794 O 06/01/13 0 8707551 E22/G02 F 171,618.00 ZZ 180 171,618.00 1 5.375 1,390.90 68 5.125 1,390.90 WEST BLOOMFIED MI 48324 2 05/09/03 00 0417093283 05 07/01/03 0 0417093283 O 06/01/18 0 8707595 E22/G02 F 97,000.00 ZZ 180 97,000.00 1 5.375 786.15 80 5.125 786.15 MCALLEN TX 78504 5 05/09/03 00 0416427615 05 07/01/03 0 0416427615 O 06/01/18 0 8707621 E22/G02 F 50,000.00 ZZ 180 50,000.00 1 5.625 411.87 66 5.375 411.87 HOUSTON TX 77087 5 05/09/03 00 0416571479 05 07/01/03 0 0416571479 O 06/01/18 0 8707625 E22/G02 F 162,000.00 ZZ 180 162,000.00 1 5.375 1,312.95 74 5.125 1,312.95 GAINESVILLE VA 20155 2 05/14/03 00 0416591113 09 07/01/03 0 0416591113 N 06/01/18 0 8707629 E22/G02 F 300,000.00 ZZ 180 300,000.00 1 5.750 2,491.23 71 5.500 2,491.23 CHEYENNE WY 82009 5 05/09/03 00 0416612919 05 07/01/03 0 0416612919 O 06/01/18 0 1 8707635 E22/G02 F 122,400.00 ZZ 180 122,400.00 1 5.375 992.01 80 5.125 992.01 CHOCOWINITY NC 27817 5 05/09/03 00 0416620474 05 07/01/03 0 0416620474 O 06/01/18 0 8707661 E22/G02 F 356,000.00 ZZ 180 356,000.00 1 5.500 2,908.82 80 5.250 2,908.82 BARRINGTON IL 60010 5 05/09/03 00 0414849950 05 07/01/03 0 0414849950 O 06/01/18 0 8707713 E22/G02 F 120,000.00 ZZ 180 120,000.00 1 5.625 988.48 86 5.375 988.48 SUGAR LAND TX 77478 2 05/09/03 04 0416734622 05 07/01/03 12 0416734622 O 06/01/18 0 8707715 E22/G02 F 66,500.00 ZZ 180 66,500.00 1 5.250 534.58 67 5.000 534.58 RISING SUN IN 47040 5 05/09/03 00 0416735140 05 07/01/03 0 0416735140 O 06/01/18 0 8707719 E22/G02 F 263,750.00 ZZ 180 263,750.00 1 5.125 2,102.93 74 4.875 2,102.93 BURIEN WA 98166 2 05/01/03 00 0416739316 05 07/01/03 0 0416739316 O 06/01/18 0 8707781 E22/G02 F 118,300.00 ZZ 180 118,300.00 1 5.625 974.47 62 5.375 974.47 1 LAWTON MI 49065 5 05/09/03 00 0416780187 05 07/01/03 0 0416780187 O 06/01/18 0 8707789 E22/G02 F 123,200.00 ZZ 180 123,200.00 1 5.375 998.49 75 5.125 998.49 HOUSTON TX 77077 5 05/07/03 00 0416789311 03 07/01/03 0 0416789311 O 06/01/18 0 8707835 E22/G02 F 72,000.00 ZZ 120 72,000.00 1 5.875 794.84 76 5.625 794.84 MISSOURI CITY TX 77489 5 05/09/03 00 0416821668 03 07/01/03 0 0416821668 O 06/01/13 0 8707863 E22/G02 F 117,000.00 ZZ 180 117,000.00 1 6.125 995.23 92 5.875 995.23 KENNEWICK WA 99337 5 05/09/03 04 0416853265 05 07/01/03 25 0416853265 O 06/01/18 0 8707869 E22/G02 F 256,000.00 ZZ 180 256,000.00 1 5.250 2,057.93 80 5.000 2,057.93 WINDER GA 30680 5 05/09/03 00 0416862472 05 07/01/03 0 0416862472 O 06/01/18 0 8707905 P67/G02 F 160,000.00 ZZ 180 160,000.00 3 5.875 1,339.39 43 5.625 1,339.39 GLOUCESTER MA 01930 5 05/13/03 00 0435873187 05 07/01/03 0 1 N 06/01/18 0 1 8707983 S43/G02 F 190,000.00 ZZ 180 190,000.00 1 5.750 1,577.78 69 5.500 1,577.78 ALBUQUERQUE NM 87114 5 05/08/03 00 0435866447 05 07/01/03 0 038835 O 06/01/18 0 8708055 M27/G02 F 93,000.00 ZZ 180 93,000.00 1 5.125 741.51 52 4.875 741.51 YOUNGSVILLE NC 27596 5 05/06/03 00 0435871868 05 07/01/03 0 0100126569 O 06/01/18 0 8708245 W35/G02 F 115,000.00 ZZ 180 114,574.23 1 5.125 916.92 72 4.875 916.92 LEOMINSTER MA 01453 5 04/23/03 00 0435871876 01 06/01/03 0 19288 O 05/01/18 0 8708691 N74/G02 F 127,700.00 ZZ 180 127,700.00 1 5.375 1,034.96 87 5.125 1,034.96 OGDEN UT 84401 2 05/01/03 10 0435840004 05 07/01/03 25 0032333010 O 06/01/18 0 8708897 E47/G02 F 171,000.00 ZZ 180 170,386.54 1 5.500 1,397.21 62 5.250 1,397.21 SHEPHERDSTOWN WV 25443 5 04/25/03 00 0435861927 05 06/01/03 0 7351010021 O 05/01/18 0 8708919 N74/G02 F 35,700.00 ZZ 180 35,570.57 1 1 5.375 289.34 85 5.125 289.34 LITTLE ROCK AR 72209 5 05/09/03 10 0435830336 05 06/14/03 12 0032372010 O 05/14/18 0 8708921 K15/G02 F 88,300.00 ZZ 180 87,996.37 1 6.000 745.13 95 5.750 745.13 CEDAR RAPIDS IA 52403 5 04/25/03 41 0435841168 05 06/01/03 25 009905509011 O 05/01/18 0 8708935 N74/G02 F 52,500.00 ZZ 180 52,319.48 1 6.000 443.02 95 5.750 443.02 DANVILLE VA 24540 5 05/05/03 10 0435829122 05 06/09/03 30 0032343010 O 05/09/18 0 8708953 E11/G02 F 142,600.00 ZZ 180 142,093.80 1 5.625 1,174.64 61 5.375 1,174.64 BLOOMINGTON MN 55437 2 04/30/03 00 0435871140 05 06/01/03 0 1 N 05/01/18 0 8709045 G51/G02 F 94,200.00 ZZ 180 94,200.00 1 5.875 788.57 76 5.625 788.57 CLEARWATER FL 33756 5 05/08/03 00 0435856927 05 07/01/03 0 25002732 O 06/01/18 0 8710809 N74/G02 F 252,700.00 ZZ 180 251,783.84 1 5.375 2,048.05 78 5.125 2,048.05 HERNDON VA 20171 5 05/01/03 00 0435832118 03 06/06/03 0 1 0032332010 O 05/06/18 0 8710979 N74/G02 F 89,000.00 ZZ 180 89,000.00 1 5.750 739.06 90 5.500 739.06 TIMMONSVILLE SC 29161 5 05/01/03 01 0435837497 05 07/01/03 30 0032336010 O 06/01/18 0 8712013 676/G02 F 179,200.00 ZZ 120 178,068.96 1 5.375 1,933.71 64 5.125 1,933.71 KAPOLEI HI 96707 2 04/11/03 00 0435876909 05 06/01/03 0 6004153940 O 05/01/13 0 8712061 E82/G02 F 110,400.00 ZZ 180 110,400.00 1 6.125 939.09 80 5.875 939.09 SAN ANTONIO TX 78217 2 05/16/03 00 0400826988 03 07/01/03 0 0400826988 N 06/01/18 0 8712065 E82/G02 F 37,500.00 ZZ 180 37,500.00 1 5.625 308.90 50 5.375 308.90 CHANNELVIEW TX 77530 2 05/16/03 00 0400820296 03 07/01/03 0 0400820296 N 06/01/18 0 8712257 E22/G02 F 70,000.00 ZZ 180 70,000.00 1 5.875 585.98 28 5.625 585.98 SAN JOSE CA 95118 5 05/05/03 00 0416645430 01 07/01/03 0 0416645430 N 06/01/18 0 1 8712263 E60/G02 F 285,800.00 ZZ 180 285,800.00 1 5.000 2,260.09 57 4.750 2,260.09 TEMPLETON CA 93465 5 05/02/03 00 0435870100 05 07/01/03 0 SL01210403 O 06/01/18 0 8713101 408/G02 F 68,000.00 ZZ 180 68,000.00 1 5.875 569.24 80 5.625 569.24 INDEPENDENCE MO 64055 1 05/08/03 00 0435861802 05 07/01/03 0 703035758 N 06/01/18 0 8713345 N74/G02 F 45,000.00 ZZ 180 44,836.85 1 5.375 364.71 59 5.125 364.71 DANVILLE VA 24541 5 05/09/03 00 0435873740 05 06/14/03 0 0032350010 O 05/14/18 0 8713413 Q87/G02 F 84,000.00 ZZ 180 83,710.91 1 5.990 708.39 80 5.740 708.39 MORRISON MO 65061 5 04/22/03 00 0435865035 05 06/01/03 0 HUMI02 O 05/01/18 0 8713569 K15/G02 F 86,400.00 ZZ 180 86,102.91 1 6.000 729.09 90 5.750 729.09 TALLAHASSEE FL 32305 5 04/25/03 41 0435859467 05 06/01/03 12 009805509029 O 05/01/18 0 8714223 E84/G02 F 224,000.00 ZZ 180 222,372.15 1 5.375 1,815.44 80 5.125 1,815.44 1 ALOHA OR 97007 2 03/17/03 00 0435883731 03 05/01/03 0 60115403 O 04/01/18 0 8714269 W35/G02 F 160,000.00 ZZ 180 160,000.00 1 5.125 1,275.71 70 4.875 1,275.71 LYNN MA 01902 5 05/09/03 00 0435877204 05 07/01/03 0 19864 O 06/01/18 0 8714453 P09/G02 F 94,000.00 T 180 94,000.00 1 5.750 780.59 62 5.500 780.59 CHEVY CHASE MD 20815 2 05/14/03 00 0435878822 06 07/01/03 0 1 O 06/01/18 0 8714467 P09/G02 F 146,000.00 ZZ 180 146,000.00 1 5.375 1,183.28 63 5.125 1,183.28 BOZRAH CT 06334 5 05/12/03 00 0435878681 05 07/01/03 0 PRYOR O 06/01/18 0 8714475 W35/G02 F 58,000.00 ZZ 180 57,794.12 1 5.625 477.76 48 5.375 477.76 FLORENCE KY 41042 5 05/08/03 00 0435872973 05 06/13/03 0 19875 O 05/13/18 0 8714611 K15/G02 F 60,100.00 ZZ 180 59,893.34 1 6.000 507.16 59 5.750 507.16 ELKO NV 89801 5 04/25/03 00 0435865068 05 06/01/03 0 022105514328 O 05/01/18 0 1 8714621 K15/G02 F 235,000.00 ZZ 180 234,111.59 1 4.875 1,843.10 74 4.625 1,843.10 ELMONT NY 11003 5 04/25/03 00 0435871363 05 06/01/03 0 021205511314 O 05/01/18 0 8714723 K15/G02 F 80,100.00 ZZ 180 79,815.66 1 5.625 659.81 29 5.375 659.81 AMHERST NH 03031 5 04/23/03 00 0435870969 05 06/01/03 0 033105514693 O 05/01/18 0 8714807 588/G02 F 89,000.00 ZZ 180 88,684.07 1 5.625 733.12 52 5.375 733.12 BOROUGH OF KEYP NJ 07735 2 04/25/03 00 0435857032 01 06/01/03 0 1089452 O 05/01/18 0 8715237 E82/G02 F 91,000.00 ZZ 180 91,000.00 1 5.500 743.55 74 5.250 743.55 COLUMBUS OH 43235 2 05/15/03 00 0400833174 05 07/01/03 0 0400833174 O 06/01/18 0 8715247 E82/G02 F 262,000.00 ZZ 180 262,000.00 1 5.375 2,123.42 50 5.125 2,123.42 SANTA ROSA CA 95404 2 05/16/03 00 0400811428 05 07/01/03 0 0400811428 N 06/01/18 0 8715255 E82/G02 F 110,600.00 ZZ 180 110,600.00 1 1 5.750 918.43 70 5.500 918.43 OAKDALE MN 55128 2 05/15/03 00 0400815882 05 07/01/03 0 0400815882 N 06/01/18 0 8715269 E82/G02 F 491,000.00 ZZ 180 491,000.00 1 5.375 3,979.39 73 5.125 3,979.39 ALEXANDRIA VA 22301 2 05/15/03 00 0400836672 05 07/01/03 0 0400836672 O 06/01/18 0 8715271 E82/G02 F 74,500.00 ZZ 180 74,500.00 1 5.625 613.68 13 5.375 613.68 MAHWAH NJ 07430 2 05/12/03 00 0400820502 05 07/01/03 0 0400820502 O 06/01/18 0 8715273 E82/G02 F 136,500.00 ZZ 180 136,500.00 2 5.875 1,142.67 46 5.625 1,142.67 SOUTH OZONE PAR NY 11420 2 05/16/03 00 0400815577 05 07/01/03 0 0400815577 N 06/01/18 0 8715285 E82/G02 F 64,750.00 ZZ 180 64,750.00 1 6.250 555.18 47 6.000 555.18 LONG LAKE MN 55356 2 05/19/03 00 0400805974 01 07/01/03 0 0400805974 N 06/01/18 0 8715493 E84/G02 F 481,000.00 ZZ 180 479,237.73 1 5.250 3,866.65 77 5.000 3,866.65 FAIRFAX STATION VA 22039 5 04/16/03 00 0435897269 09 06/01/03 0 1 87230042 O 05/01/18 0 8715539 737/G02 F 224,000.00 ZZ 180 224,000.00 1 5.375 1,815.44 70 5.125 1,815.44 GRAPEVINE TX 76051 1 05/08/03 00 0435856612 03 07/01/03 0 6011957 O 06/01/18 0 8715585 K15/G02 F 60,100.00 ZZ 180 60,100.00 1 5.750 499.08 77 5.500 499.08 AKRON OH 44314 5 05/05/03 00 0435876487 05 07/01/03 0 028005508680 O 06/01/18 0 8715691 E22/G02 F 228,000.00 ZZ 180 228,000.00 1 5.500 1,862.95 80 5.250 1,862.95 MIAMI FL 33155 5 05/12/03 00 0416793552 05 07/01/03 0 0416793552 O 06/01/18 0 8715703 E22/G02 F 133,500.00 ZZ 180 133,500.00 1 6.125 1,135.58 80 5.875 1,135.58 STERLING HEIGHT MI 48314 2 05/12/03 00 0416796647 01 07/01/03 0 0416796647 O 06/01/18 0 8715721 E22/G02 F 119,000.00 ZZ 180 119,000.00 1 5.500 972.33 76 5.250 972.33 AUSTIN TX 78704 5 05/12/03 00 0416815447 05 07/01/03 0 0416815447 O 06/01/18 0 1 8715725 E22/G02 F 165,000.00 ZZ 180 165,000.00 1 6.000 1,392.36 77 5.750 1,392.36 BEDMINSTER NJ 07921 1 05/16/03 00 0416837649 01 07/01/03 0 0416837649 N 06/01/18 0 8715799 E22/G02 F 61,500.00 ZZ 180 61,500.00 1 6.125 523.13 75 5.875 523.13 CHANNELVIEW TX 77530 5 05/16/03 00 0416881324 05 07/01/03 0 0416881324 N 06/01/18 0 8715831 X64/G02 F 272,000.00 ZZ 180 272,000.00 1 5.125 2,168.71 64 4.875 2,168.71 BIRMINGHAM MI 48009 5 05/12/03 00 0435876685 05 07/01/03 0 0000008100 O 06/01/18 0 8715843 E22/G02 F 119,400.00 ZZ 180 119,400.00 1 5.500 975.60 63 5.250 975.60 MARIETTA GA 30062 2 05/16/03 00 0416916393 05 07/01/03 0 0416916393 N 06/01/18 0 8715885 E22/G02 F 103,800.00 ZZ 180 103,800.00 2 5.750 861.97 29 5.500 861.97 LYNDHURST NJ 07071 2 05/16/03 00 0416971323 05 07/01/03 0 0416971323 N 06/01/18 0 8716111 E22/G02 F 208,000.00 ZZ 180 208,000.00 1 5.375 1,685.77 66 5.125 1,685.77 1 PLEASANTON CA 94588 5 05/09/03 00 0416381010 09 07/01/03 0 0416381010 O 06/01/18 0 8716137 E22/G02 F 128,100.00 ZZ 120 128,100.00 1 5.625 1,398.17 77 5.375 1,398.17 PLANO TX 75075 5 05/09/03 00 0416511145 05 07/01/03 0 0416511145 O 06/01/13 0 8716713 U05/G02 F 144,000.00 TX 180 144,000.00 1 5.750 1,195.79 80 5.500 1,195.79 HOUSTON TX 77068 5 05/09/03 00 0435875273 03 07/01/03 0 3348486 O 06/01/18 0 8716717 U05/G02 F 212,713.00 ZZ 180 211,941.81 1 5.375 1,723.97 65 5.125 1,723.97 MODESTO CA 95355 1 04/28/03 00 0435874342 05 06/01/03 0 3348580 O 05/01/18 0 8717095 W02/G02 F 361,700.00 ZZ 180 360,402.39 1 5.500 2,955.40 52 5.250 2,955.40 SANIBEL FL 33957 5 04/25/03 00 0435889266 05 06/01/03 0 1002350542 O 05/01/18 0 8717139 N74/G02 F 87,500.00 ZZ 180 87,176.04 1 5.125 697.66 80 4.875 697.66 NORTH CHARLESTO SC 29418 2 05/13/03 00 0435846902 05 06/19/03 0 0032387010 O 05/19/18 0 1 8717153 Q59/G02 F 301,000.00 ZZ 180 301,000.00 2 5.750 2,499.53 70 5.500 2,499.53 MONTEREY PARK CA 91755 5 05/05/03 00 0435881933 05 07/01/03 0 0000503094 O 06/01/18 0 8717193 Q87/G02 F 62,000.00 ZZ 180 61,779.92 1 5.625 510.71 72 5.375 510.71 CLARKSVILLE TX 75426 5 04/30/03 00 0435886726 05 06/05/03 0 HAER02 O 05/05/18 0 8717297 R26/G02 F 118,000.00 ZZ 180 118,000.00 1 5.750 979.88 66 5.500 979.88 TUCSCON AZ 85719 2 05/02/03 00 0435873773 05 07/01/03 0 0001220000 N 06/01/18 0 8717305 964/G02 F 215,000.00 ZZ 180 214,228.69 1 5.500 1,756.73 39 5.250 1,756.73 LAGUNA NIGUEL CA 92677 2 04/10/03 00 0435878830 03 06/01/03 0 364338 O 05/01/18 0 8717343 E84/G02 F 432,000.00 ZZ 180 430,450.20 1 5.500 3,529.80 80 5.250 3,529.80 COSTA MESA CA 92627 5 04/21/03 00 0435870167 05 06/01/03 0 75531772 O 05/01/18 0 8717345 964/G02 F 244,200.00 T 180 243,295.88 1 1 5.125 1,947.06 34 4.875 1,947.06 THE SEA RANCH CA 95497 2 04/10/03 00 0435878806 03 06/01/03 0 379309 O 05/01/18 0 8717383 940/G02 F 71,000.00 ZZ 180 71,000.00 1 5.375 575.43 45 5.125 575.43 APPLE VALLEY CA 92307 2 05/02/03 00 0435888995 05 07/01/03 0 40030513 N 06/01/18 0 8717411 N74/G02 F 63,500.00 ZZ 180 63,262.43 1 5.000 502.15 85 4.750 502.15 HUNTINGTON AR 72940 2 05/14/03 10 0435846266 05 06/19/03 12 0032391010 O 05/19/18 0 8717417 R65/G02 F 250,000.00 ZZ 180 250,000.00 1 5.500 2,042.71 64 5.250 2,042.71 FOUNTAIN HILLS AZ 85268 5 05/02/03 00 0435908975 01 07/01/03 0 4193206366 O 06/01/18 0 8717513 E82/G02 F 177,200.00 ZZ 180 177,200.00 1 5.500 1,447.87 74 5.250 1,447.87 SOUTH WINDSOR CT 06074 2 05/13/03 00 0400829347 05 07/01/03 0 0400829347 O 06/01/18 0 8717529 E82/G02 F 128,000.00 ZZ 180 128,000.00 1 5.625 1,054.38 80 5.375 1,054.38 CALEDONIA IL 61101 2 05/14/03 00 0400815965 05 07/01/03 0 1 0400815965 O 06/01/18 0 8718171 624/G02 F 250,000.00 ZZ 180 249,112.55 1 5.625 2,059.33 73 5.375 2,059.33 WOODLAND HILLS CA 91367 5 04/24/03 00 0435880273 05 06/01/03 0 1000031026 O 05/01/18 0 8718465 U19/G02 F 75,000.00 ZZ 180 75,000.00 1 5.000 593.10 29 4.750 593.10 MENIFEE CA 92584 5 05/15/03 00 0435864855 05 07/01/03 0 15150422 O 06/01/18 0 8718497 Q14/G02 F 85,000.00 ZZ 180 85,000.00 1 5.375 688.90 73 5.125 688.90 BLUE SPRINGS MO 64015 5 05/12/03 00 0435862354 05 07/01/03 0 0000312891 O 06/01/18 0 8718511 738/G02 F 112,000.00 ZZ 180 111,606.61 1 5.750 930.06 64 5.500 930.06 MIAMI FL 33186 2 04/29/03 00 0435880430 05 06/01/03 0 41070682 N 05/01/18 0 8718517 893/G02 F 97,000.00 ZZ 180 97,000.00 1 5.250 779.76 11 5.000 779.76 SARATOGA CA 95070 2 05/12/03 00 0435879671 05 07/01/03 0 M30411041 O 06/01/18 0 1 8718547 168/168 F 236,000.00 ZZ 180 235,179.82 1 5.875 1,975.60 73 5.625 1,975.60 LAPEER MI 48446 5 05/02/03 00 0339325224 05 06/01/03 0 0339325224 O 05/01/18 0 8718617 N74/G02 F 37,500.00 ZZ 180 37,365.46 1 5.500 306.41 75 5.250 306.41 FORT SMITH AR 72901 5 05/14/03 00 0435847009 05 06/19/03 0 0032392010 N 05/19/18 0 8718619 738/G02 F 93,000.00 ZZ 180 93,000.00 1 5.750 772.29 41 5.500 772.29 MIAMI FL 33196 5 04/29/03 00 0435878145 05 07/01/03 0 41070019 O 06/01/18 0 8718635 U05/G02 F 52,000.00 TX 180 52,000.00 1 6.125 442.32 80 5.875 442.32 HOUSTON TX 77022 5 05/02/03 00 0435873096 05 07/01/03 0 3344096 O 06/01/18 0 8718637 N74/G02 F 92,000.00 ZZ 180 91,669.95 1 5.500 751.72 69 5.250 751.72 JAMESTOWN NC 27282 2 05/14/03 00 0435846472 05 06/19/03 0 0032354010 O 05/19/18 0 8718673 E82/G02 F 49,500.00 ZZ 180 49,500.00 1 6.125 421.06 51 5.875 421.06 1 MESQUITE TX 75149 2 05/15/03 00 0400817425 05 07/01/03 0 0400817425 N 06/01/18 0 8718735 E82/G02 F 382,250.00 T 180 382,250.00 1 5.875 3,199.89 77 5.625 3,199.89 BETHEL ISLAND CA 94511 2 05/16/03 00 0400825436 05 07/01/03 0 0400825436 O 06/01/18 0 8718747 E82/G02 F 47,800.00 ZZ 180 47,800.00 1 5.625 393.74 64 5.375 393.74 CORAL SPRINGS FL 33071 2 05/16/03 00 0400830741 01 07/01/03 0 0400830741 N 06/01/18 0 8718779 E82/G02 F 108,800.00 ZZ 180 108,800.00 1 5.500 888.99 55 5.250 888.99 WOBURN MA 01801 2 05/16/03 00 0400811279 05 07/01/03 0 0400811279 O 06/01/18 0 8718785 N74/G02 F 60,000.00 ZZ 180 59,780.17 1 5.250 482.33 62 5.000 482.33 LYNDHURST VA 22952 5 05/13/03 00 0435846605 05 06/19/03 0 0032374010 O 05/19/18 0 8718809 E82/G02 F 123,300.00 ZZ 180 123,300.00 3 6.125 1,048.82 78 5.875 1,048.82 BRISTOL CT 06010 2 05/13/03 00 0400824348 05 07/01/03 0 0400824348 N 06/01/18 0 1 8718841 E82/G02 F 64,500.00 ZZ 180 64,500.00 1 5.625 531.31 71 5.375 531.31 BOYNTON BEACH FL 33435 2 05/20/03 00 0400828620 05 07/01/03 0 0400828620 N 06/01/18 0 8718911 E22/G02 F 144,047.00 ZZ 180 144,047.00 1 5.625 1,186.56 78 5.375 1,186.56 MIAMI FL 33165 5 05/14/03 00 0416868081 05 07/01/03 0 0416868081 O 06/01/18 0 8718959 E22/G02 F 65,000.00 ZZ 180 65,000.00 1 5.250 522.52 52 5.000 522.52 MIAMI FL 33177 2 05/13/03 00 0416902534 05 07/01/03 0 0416902534 O 06/01/18 0 8718969 E22/G02 F 476,000.00 ZZ 180 476,000.00 1 5.500 3,889.32 44 5.250 3,889.32 PETOSKEY MI 49770 2 05/13/03 00 0416705366 05 07/01/03 0 0416705366 O 06/01/18 0 8719031 E22/G02 F 91,120.00 ZZ 180 91,120.00 1 5.375 738.50 80 5.125 738.50 CHEYENNE WY 82007 1 05/19/03 00 0416760387 05 07/01/03 0 0416760387 N 06/01/18 0 8719071 E22/G02 F 64,000.00 ZZ 180 64,000.00 1 1 5.500 522.93 80 5.250 522.93 HOUSTON TX 77015 5 05/13/03 00 0417010105 05 07/01/03 0 0417010105 O 06/01/18 0 8719091 E22/G02 F 208,000.00 ZZ 180 208,000.00 1 5.500 1,699.53 75 5.250 1,699.53 MIDLAND MI 48640 2 05/13/03 00 0416484582 05 07/01/03 0 0416484582 O 06/01/18 0 8719109 E22/G02 F 133,000.00 ZZ 180 133,000.00 1 4.875 1,043.12 38 4.625 1,043.12 NORTH BRANCH MN 55056 2 05/14/03 00 0416533065 05 07/01/03 0 0416533065 O 06/01/18 0 8719221 E22/G02 F 215,000.00 ZZ 180 215,000.00 1 5.375 1,742.50 48 5.125 1,742.50 DALLAS TX 75230 5 05/13/03 00 0416931269 05 07/01/03 0 0416931269 O 06/01/18 0 8719227 E22/G02 F 100,000.00 ZZ 180 100,000.00 1 5.500 817.08 80 5.250 817.08 NORTH RICHLAND TX 76180 5 05/14/03 00 0416762920 05 07/01/03 0 0416762920 O 06/01/18 0 8719229 E22/G02 F 118,300.00 ZZ 180 118,300.00 1 5.500 966.61 65 5.250 966.61 JACKSON MI 49201 5 05/14/03 00 0416765923 05 07/01/03 0 1 0416765923 O 06/01/18 0 8719241 E22/G02 F 125,000.00 ZZ 180 125,000.00 1 5.375 1,013.08 70 5.125 1,013.08 HANOVER PARK IL 60133 5 05/14/03 00 0416779296 01 07/01/03 0 0416779296 O 06/01/18 0 8719247 E22/G02 F 68,000.00 ZZ 180 68,000.00 1 6.125 578.42 91 5.875 578.42 CHICKASHA OK 73018 5 05/14/03 01 0416779734 05 07/01/03 30 0416779734 O 06/01/18 0 8719283 E22/G02 F 60,750.00 ZZ 180 60,750.00 1 5.250 488.36 75 5.000 488.36 TAYLOR TX 76574 5 05/13/03 00 0416819696 05 07/01/03 0 0416819696 O 06/01/18 0 8719361 E22/G02 F 68,000.00 ZZ 180 68,000.00 2 6.125 578.42 48 5.875 578.42 KALAMAZOO MI 49009 2 05/19/03 00 0416850824 05 07/01/03 0 0416850824 N 06/01/18 0 8719475 E22/G02 F 230,000.00 ZZ 180 230,000.00 1 5.375 1,864.07 16 5.125 1,864.07 SAN FRANCISCO CA 94123 5 05/07/03 00 0416934909 05 07/01/03 0 0416934909 O 06/01/18 0 1 8719531 E22/G02 F 444,000.00 ZZ 180 444,000.00 1 5.500 3,627.85 41 5.250 3,627.85 HOUSTON TX 77019 5 05/14/03 00 0416954402 06 07/01/03 0 0416954402 O 06/01/18 0 8719533 E22/G02 F 63,400.00 ZZ 180 63,400.00 1 5.375 513.84 80 5.125 513.84 MEMPHIS TN 38116 5 05/13/03 00 0416956324 05 07/01/03 0 0416956324 O 06/01/18 0 8719551 E22/G02 F 487,500.00 T 180 487,500.00 1 5.375 3,951.02 65 5.125 3,951.02 PEBBLE BEACH CA 93953 1 05/12/03 00 0415026053 05 07/01/03 0 0415026053 O 06/01/18 0 8719567 E22/G02 F 86,000.00 ZZ 180 86,000.00 1 5.125 685.70 60 4.875 685.70 DALLAS TX 75229 2 05/14/03 00 0416479442 05 07/01/03 0 0416479442 O 06/01/18 0 8719573 E22/G02 F 103,500.00 ZZ 180 103,500.00 1 5.250 832.01 73 5.000 832.01 GREAT FALLS MT 59405 2 05/13/03 00 0416257335 05 07/01/03 0 0416257335 O 06/01/18 0 8719575 E22/G02 F 125,000.00 ZZ 180 125,000.00 1 5.375 1,013.08 31 5.125 1,013.08 1 SAN FRANCISCO CA 94134 2 05/06/03 00 0416349447 07 07/01/03 0 0416349447 O 06/01/18 0 8719581 E22/G02 F 253,500.00 ZZ 180 253,500.00 1 5.250 2,037.83 94 5.000 2,037.83 WALDORF MD 20603 2 05/14/03 10 0416377950 03 07/01/03 25 0416377950 O 06/01/18 0 8719593 E22/G02 F 265,000.00 ZZ 180 265,000.00 1 5.375 2,147.73 49 5.125 2,147.73 WEST BLOOMFIELD MI 48322 5 05/13/03 00 0417093549 05 07/01/03 0 0417093549 O 06/01/18 0 8719595 E22/G02 F 91,600.00 ZZ 120 91,600.00 2 5.375 988.44 60 5.125 988.44 UNIVERSITY HEIG OH 44118 2 05/14/03 00 0417094257 05 07/01/03 0 0417094257 O 06/01/13 0 8719975 N74/G02 F 340,000.00 ZZ 180 338,714.64 1 4.875 2,666.61 74 4.625 2,666.61 MOORESVILLE NC 28117 2 05/15/03 00 0435888326 05 06/20/03 0 0032394010 O 05/20/18 0 8720279 N74/G02 F 127,600.00 ZZ 180 127,600.00 1 5.250 1,025.75 50 5.000 1,025.75 RESTON VA 20190 2 05/13/03 00 0435873617 09 07/01/03 0 0032385010 O 06/01/18 0 1 8720399 408/G02 F 260,000.00 ZZ 180 259,067.25 1 5.500 2,124.42 80 5.250 2,124.42 MIDWEST CITY OK 73110 2 04/24/03 00 0435876693 05 06/01/03 0 703034998 O 05/01/18 0 8720499 Q14/G02 F 212,000.00 ZZ 180 212,000.00 1 5.250 1,704.22 78 5.000 1,704.22 DAVENPORT IA 52807 5 05/13/03 00 0435872874 05 07/01/03 0 0000313109 O 06/01/18 0 8720925 U42/G02 F 64,000.00 ZZ 180 63,779.93 1 6.000 540.07 80 5.750 540.07 KATY TX 77449 1 04/28/03 00 0435882451 03 06/01/03 0 31300117 N 05/01/18 0 8721061 K15/G02 F 180,000.00 ZZ 120 180,000.00 1 5.375 1,942.34 67 5.125 1,942.34 WOODFORD VA 22580 5 05/02/03 00 0435878046 05 07/01/03 0 017405513191 O 06/01/13 0 8721645 K15/G02 F 108,000.00 ZZ 180 108,000.00 1 5.750 896.84 80 5.500 896.84 ORLANDO FL 32808 5 05/07/03 00 0435876610 05 07/01/03 0 009405509051 O 06/01/18 0 8722423 168/168 F 344,000.00 ZZ 180 342,765.90 1 1 5.500 2,810.77 80 5.250 2,810.77 DULUTH GA 30097 2 04/29/03 00 0319918408 03 06/01/03 0 0319918408 O 05/01/18 0 8722535 E76/G02 F 96,000.00 ZZ 180 96,000.00 1 5.500 784.40 59 5.250 784.40 INOLA OK 74036 5 05/12/03 00 0435887062 05 07/01/03 0 10024133 O 06/01/18 0 8722911 742/G02 F 575,000.00 ZZ 180 575,000.00 1 5.625 4,736.46 68 5.375 4,736.46 PLEASANTVILLE NY 10570 5 05/07/03 00 0435879465 05 07/01/03 0 5921796 O 06/01/18 0 8722933 K15/G02 F 55,300.00 ZZ 180 55,109.85 1 6.000 466.65 90 5.750 466.65 MOULTRIE GA 31768 5 04/25/03 41 0435876362 05 06/01/03 12 009805509170 O 05/01/18 0 8723025 N74/G02 F 73,600.00 ZZ 180 73,338.73 1 5.625 606.27 80 5.375 606.27 JACKSONVILLE NC 28546 5 05/14/03 00 0435888466 05 06/19/03 0 032382010 O 05/19/18 0 8723157 E47/G02 F 200,000.00 ZZ 180 199,282.50 1 5.500 1,634.17 50 5.250 1,634.17 RIVERVIEW FL 33569 5 04/25/03 00 0435877667 05 06/01/03 0 1 7361013757 O 05/01/18 0 8723537 E82/G02 F 192,500.00 ZZ 180 192,500.00 1 5.750 1,598.54 90 5.500 1,598.54 EASTON PA 18040 2 05/15/03 10 0400821302 05 07/01/03 12 0400821302 O 06/01/18 0 8723547 E82/G02 F 129,750.00 ZZ 180 129,750.00 1 5.750 1,077.46 37 5.500 1,077.46 LOS ANGELES CA 90036 2 05/15/03 00 0400823217 01 07/01/03 0 0400823217 O 06/01/18 0 8723559 E82/G02 F 300,000.00 ZZ 180 300,000.00 4 5.375 2,431.40 75 5.125 2,431.40 ATLANTIC HIGHLA NJ 07716 2 05/16/03 00 0400809653 05 07/01/03 0 0400809653 O 06/01/18 0 8723719 E22/G02 F 93,000.00 ZZ 180 93,000.00 1 5.875 778.52 70 5.625 778.52 MOUNT PLEASANT SC 29464 5 05/20/03 00 0416907384 05 07/01/03 0 0416907384 N 06/01/18 0 8723721 E22/G02 F 112,000.00 ZZ 180 112,000.00 1 5.875 937.57 70 5.625 937.57 MOUNT PLEASANT SC 29464 5 05/20/03 00 0416908085 05 07/01/03 0 0416908085 N 06/01/18 0 1 8723783 E22/G02 F 65,000.00 ZZ 180 65,000.00 1 6.000 548.51 65 5.750 548.51 DELRAY BEACH FL 33483 5 05/20/03 00 0416310407 01 07/01/03 0 0416310407 N 06/01/18 0 8723827 E22/G02 F 64,800.00 ZZ 180 64,800.00 1 5.750 538.11 80 5.500 538.11 DELAND FL 32720 5 05/15/03 00 0416607497 05 07/01/03 0 0416607497 O 06/01/18 0 8723857 E22/G02 F 127,500.00 ZZ 180 127,500.00 1 5.750 1,058.77 75 5.500 1,058.77 UNIVERSITY PLAC WA 98467 5 05/15/03 00 0416658953 05 07/01/03 0 0416658953 N 06/01/18 0 8724023 E22/G02 F 48,500.00 ZZ 180 48,500.00 1 5.625 399.51 21 5.375 399.51 BLOOMINGDALE IL 60108 5 05/15/03 00 0416987519 05 07/01/03 0 0416987519 O 06/01/18 0 8724063 E22/G02 F 101,600.00 ZZ 180 101,600.00 1 5.250 816.74 80 5.000 816.74 DAPHNE AL 36526 5 05/15/03 00 0417054780 03 07/01/03 0 0417054780 O 06/01/18 0 8724067 E22/G02 F 95,000.00 ZZ 180 95,000.00 1 5.875 795.26 95 5.625 795.26 1 CHARLESTON SC 29407 5 05/15/03 01 0417056884 05 07/01/03 25 0417056884 O 06/01/18 0 8724571 X78/G02 F 52,000.00 ZZ 180 52,000.00 1 5.250 418.02 42 5.000 418.02 ALPHARETTA GA 30004 2 05/21/03 00 0435899703 01 07/01/03 0 990403 N 06/01/18 0 8724627 Q73/G02 F 649,600.00 ZZ 180 649,600.00 1 5.500 5,307.77 80 5.250 5,307.77 MOUNTAIN BROOK AL 35223 5 05/09/03 00 0435891551 05 07/01/03 0 3046304 O 06/01/18 0 8724735 W02/G02 F 65,000.00 ZZ 180 65,000.00 1 5.250 522.53 70 5.000 522.53 PORT ST LUCIE FL 34952 5 05/13/03 00 0435903109 05 07/01/03 0 1002265535 O 06/01/18 0 8724805 T23/G02 F 52,250.00 ZZ 180 52,064.52 1 5.625 430.40 95 5.375 430.40 PITTSBURGH PA 15212 5 05/16/03 10 0435886262 05 06/21/03 25 6423 O 05/21/18 0 8724863 K15/G02 F 64,600.00 ZZ 180 64,600.00 1 6.000 545.13 76 5.750 545.13 JASPER TN 37347 5 05/01/03 00 0435881131 05 07/01/03 0 003405508351 O 06/01/18 0 1 8725005 K15/G02 F 101,000.00 ZZ 180 101,000.00 1 5.625 831.97 76 5.375 831.97 WATERFORD MI 48329 5 05/08/03 00 0435880596 05 07/01/03 0 035605515529 O 06/01/18 0 8725073 X89/G02 F 274,000.00 ZZ 180 274,000.00 1 5.375 2,220.68 77 5.125 2,220.68 ALISO VIEJO CA 92656 2 05/13/03 00 0435891601 01 07/01/03 0 2006015 O 06/01/18 0 8725075 L76/G02 F 70,000.00 ZZ 180 70,000.00 1 5.375 567.33 72 5.125 567.33 OWATONNA MN 55060 5 05/16/03 00 0435886767 05 07/01/03 0 9507689 O 06/01/18 0 8725081 K15/G02 F 155,700.00 ZZ 180 155,700.00 1 6.000 1,313.89 90 5.750 1,313.89 SANBORTON NH 03289 5 05/08/03 41 0435880984 05 07/01/03 12 033405515302 O 06/01/18 0 8726355 477/G02 F 145,500.00 ZZ 180 145,500.00 1 5.500 1,188.86 51 5.250 1,188.86 SCOTTSDALE AZ 85260 5 05/05/03 00 0435893078 05 07/01/03 0 239159 O 06/01/18 0 8726369 Q87/G02 F 169,200.00 ZZ 180 168,560.35 1 1 4.875 1,327.03 66 4.625 1,327.03 FRANKLIN TN 37064 5 05/15/03 00 0435888490 05 06/20/03 0 HACA03 O 05/20/18 0 8727105 738/G02 F 95,150.00 T 180 94,826.29 1 6.125 809.37 80 5.875 809.37 GULF BREEZE FL 32563 1 04/22/03 00 0435881537 09 06/01/03 0 41058044 O 05/01/18 0 8727183 A06/G02 F 228,500.00 T 180 227,688.86 1 5.625 1,882.23 70 5.375 1,882.23 MARATHON FL 33050 2 04/30/03 00 0435874706 20 06/01/03 0 001000010300533 O 05/01/18 0 8727259 964/G02 F 207,000.00 ZZ 180 206,241.60 1 5.250 1,664.03 75 5.000 1,664.03 PARK CITY UT 84098 5 04/22/03 00 0435857172 05 06/01/03 0 384746 O 05/01/18 0 8727299 U05/G02 F 110,000.00 ZZ 180 110,000.00 1 5.500 898.79 50 5.250 898.79 DREXEL HILL PA 19026 2 05/09/03 00 0435881644 05 07/01/03 0 3351487 O 06/01/18 0 8727495 P44/G02 F 264,000.00 ZZ 180 264,000.00 1 5.375 2,139.63 80 5.125 2,139.63 BARNSTABLE (HYA MA 02601 5 05/12/03 00 0435877469 05 07/01/03 0 1 1 O 06/01/18 0 8728019 E22/G02 F 140,000.00 ZZ 180 140,000.00 1 5.125 1,116.25 76 4.875 1,116.25 KATY TX 77494 5 05/15/03 00 0416108140 05 07/01/03 0 0416108140 O 06/01/18 0 8728029 E22/G02 F 117,600.00 ZZ 180 117,600.00 1 5.500 960.89 63 5.250 960.89 WILLITS CA 95490 5 04/30/03 00 0416314698 05 07/01/03 0 0416314698 O 06/01/18 0 8728035 E22/G02 F 195,000.00 ZZ 180 195,000.00 1 5.125 1,554.77 33 4.875 1,554.77 WINDSOR CA 95492 2 05/14/03 00 0416393288 05 07/01/03 0 0416393288 N 06/01/18 0 8728111 E22/G02 F 53,000.00 ZZ 180 53,000.00 1 5.500 433.05 80 5.250 433.05 BIRMINGHAM AL 35208 5 05/16/03 00 0416865384 05 07/01/03 0 0416865384 O 06/01/18 0 8728119 168/168 F 418,000.00 ZZ 180 418,000.00 1 6.000 3,527.32 73 5.750 3,527.32 FAIRFAX STATION VA 22039 2 05/08/03 00 0339589418 03 07/01/03 0 0339589418 O 06/01/18 0 1 8728147 E22/G02 F 250,000.00 ZZ 180 250,000.00 1 5.375 2,026.16 41 5.125 2,026.16 GILROY CA 95020 2 05/15/03 00 0416979680 05 07/01/03 0 0416979680 N 06/01/18 0 8728197 E22/G02 F 50,000.00 ZZ 180 50,000.00 1 5.250 401.94 56 5.000 401.94 CECILIA KY 42724 5 05/16/03 00 0417080967 05 07/01/03 0 0417080967 O 06/01/18 0 8728283 E22/G02 F 155,000.00 ZZ 180 155,000.00 1 5.250 1,246.01 37 5.000 1,246.01 AUSTIN TX 78703 5 05/05/03 00 0416672608 05 07/01/03 0 0416672608 O 06/01/18 0 8728329 E22/G02 F 114,000.00 ZZ 180 114,000.00 1 5.625 939.05 80 5.375 939.05 FORT WORTH TX 76133 2 05/16/03 00 0416853224 05 07/01/03 0 0416853224 O 06/01/18 0 8728333 E22/G02 F 56,080.00 ZZ 180 56,080.00 1 5.375 454.51 80 5.125 454.51 CARLYLE IL 62231 2 05/16/03 00 0416856037 05 07/01/03 0 0416856037 O 06/01/18 0 8728349 E22/G02 F 205,000.00 ZZ 180 205,000.00 1 5.250 1,647.95 74 5.000 1,647.95 1 GONZALES LA 70737 5 05/16/03 00 0416946457 05 07/01/03 0 0416946457 O 06/01/18 0 8728363 U19/G02 F 39,600.00 ZZ 180 39,600.00 1 5.625 326.20 39 5.375 326.20 COLORADO SPRING CO 80911 5 05/14/03 00 0435888953 05 07/01/03 0 0304250005 N 06/01/18 0 8728365 E22/G02 F 460,000.00 ZZ 180 460,000.00 1 5.375 3,728.14 66 5.125 3,728.14 LOS ANGELES CA 90049 5 05/13/03 00 0416966612 05 07/01/03 0 0416966612 O 06/01/18 0 8728497 E82/G02 F 128,000.00 ZZ 180 128,000.00 1 5.500 1,045.87 80 5.250 1,045.87 BANNING CA 92220 2 05/16/03 00 0400823720 05 07/01/03 0 0400823720 O 06/01/18 0 8728559 E82/G02 F 130,300.00 ZZ 180 130,300.00 1 5.375 1,056.04 83 5.125 1,056.04 MIDLAND MI 48640 2 05/19/03 10 0400829982 05 07/01/03 12 0400829982 O 06/01/18 0 8728571 S64/G02 F 43,300.00 ZZ 180 43,300.00 1 6.000 365.39 85 5.750 365.39 NILES MI 49120 5 05/19/03 11 0435888870 05 07/01/03 6 03304055 O 06/01/18 0 1 8728579 940/G02 F 126,500.00 ZZ 180 126,500.00 1 5.500 1,033.61 54 5.250 1,033.61 BALDWIN PARK CA 91706 2 05/07/03 00 0435887047 05 07/01/03 0 40030553 N 06/01/18 0 8728625 N74/G02 F 85,000.00 ZZ 180 84,685.30 1 5.125 677.72 66 4.875 677.72 WOODBRIDGE VA 22192 5 05/16/03 00 0435888599 09 06/21/03 0 0032417010 O 05/21/18 0 8728773 168/168 F 69,000.00 ZZ 180 69,000.00 1 5.375 559.22 80 5.125 559.22 ROCHESTER NY 14623 1 05/12/03 00 0319789063 05 07/01/03 0 0319789063 O 06/01/18 0 8728783 998/998 F 368,000.00 ZZ 180 366,665.82 1 5.375 2,982.51 75 5.125 2,982.51 OWINGS MILLS MD 21117 2 04/24/03 00 5601047 05 06/01/03 0 5601047 O 05/01/18 0 8728817 Q87/G02 F 50,000.00 ZZ 180 49,826.23 1 5.875 418.56 65 5.625 418.56 EDWARDS MO 65326 5 04/30/03 00 0435886247 05 06/05/03 0 ABCH02 O 05/05/18 0 8729491 U19/G02 F 248,000.00 ZZ 180 248,000.00 1 1 5.500 2,026.37 72 5.250 2,026.37 PHOENIX AZ 85048 5 05/07/03 00 0435882923 03 07/01/03 0 11000800 O 06/01/18 0 8729897 U19/G02 F 50,000.00 ZZ 180 50,000.00 1 5.250 401.94 38 5.000 401.94 PHOENIX AZ 85032 5 05/02/03 00 0435887906 05 07/01/03 0 11000774 O 06/01/18 0 8730115 K15/G02 F 123,000.00 ZZ 180 123,000.00 1 5.250 988.77 60 5.000 988.77 POMFRET VT 05053 5 05/07/03 00 0435884994 05 07/01/03 0 037105508129 O 06/01/18 0 8730141 K15/G02 F 150,000.00 ZZ 180 150,000.00 1 5.625 1,235.60 56 5.375 1,235.60 PAXTON MA 01612 2 05/09/03 00 0435883905 05 07/01/03 0 024605514344 O 06/01/18 0 8730263 U87/G02 F 322,200.00 ZZ 180 322,200.00 1 5.000 2,547.94 60 4.750 2,547.94 SIMI VALLEY CA 93065 2 05/20/03 00 0435892930 05 07/01/03 0 9858 O 06/01/18 0 8730793 Q30/G02 F 322,000.00 ZZ 180 322,000.00 1 5.375 2,609.70 38 5.125 2,609.70 PORT WASHINGTON NY 11050 5 05/16/03 00 0435886825 05 07/01/03 0 1 21021365 O 06/01/18 0 8731447 E82/G02 F 59,500.00 ZZ 180 59,500.00 1 5.625 490.12 60 5.375 490.12 MARSHALL MN 56258 2 05/21/03 00 0400828398 05 07/01/03 0 0400828398 O 06/01/18 0 8731497 E22/G02 F 158,700.00 ZZ 180 158,700.00 1 4.875 1,244.68 29 4.625 1,244.68 CAPTIVA FL 33924 2 05/16/03 00 0416737930 01 07/01/03 0 0416737930 O 06/01/18 0 8731659 E22/G02 F 83,000.00 ZZ 180 83,000.00 1 5.500 678.18 90 5.250 678.18 PIXLEY CA 93256 5 05/14/03 01 0416493070 05 07/01/03 12 0416493070 O 06/01/18 0 8731669 E22/G02 F 185,000.00 ZZ 180 185,000.00 3 5.625 1,523.90 35 5.375 1,523.90 CHICAGO IL 60062 5 05/16/03 00 0416592020 05 07/01/03 0 0416592020 O 06/01/18 0 8731971 313/G02 F 144,800.00 ZZ 180 144,800.00 1 5.500 1,183.14 80 5.250 1,183.14 CHANDLER AZ 85224 5 05/13/03 00 0435888078 03 07/01/03 0 0009556663 O 06/01/18 0 1 8732449 K15/G02 F 50,000.00 ZZ 180 50,000.00 1 4.875 392.15 63 4.625 392.15 CINCINNATI OH 45216 5 05/02/03 00 0435886924 05 07/01/03 0 028305508166 N 06/01/18 0 8733521 952/G02 F 71,250.00 T 180 71,250.00 1 5.250 572.76 75 5.000 572.76 BOYNTON BEACH FL 33436 5 05/20/03 00 0435898648 01 07/01/03 0 20028499 O 06/01/18 0 8733853 X31/G02 F 50,000.00 ZZ 180 50,000.00 1 5.375 405.23 44 5.125 405.23 HEMET CA 92543 5 05/16/03 00 0435900246 05 07/01/03 0 80001070 O 06/01/18 0 8734925 N74/G02 F 48,300.00 ZZ 180 48,300.00 1 5.125 385.11 52 4.875 385.11 BRYANT AR 72022 2 05/21/03 00 0435902176 05 07/01/03 0 0032434010 O 06/01/18 0 8736947 P09/G02 F 60,000.00 ZZ 180 60,000.00 1 5.625 494.24 45 5.375 494.24 BALTIMORE MD 21230 5 05/21/03 00 0435894217 07 07/01/03 0 30020050 O 06/01/18 0 8737195 X67/G02 F 115,000.00 ZZ 180 115,000.00 1 5.750 954.97 53 5.500 954.97 1 CHINO CA 91710 5 05/07/03 00 0435901293 03 07/01/03 0 285348 O 06/01/18 0 8737199 U05/G02 F 288,500.00 TX 180 288,500.00 1 5.500 2,357.29 69 5.250 2,357.29 EL PASO TX 79932 2 05/16/03 00 0435886106 05 07/01/03 0 3355520 O 06/01/18 0 8737231 624/G02 F 149,100.00 ZZ 180 148,547.98 1 5.125 1,188.80 88 4.875 1,188.80 LEMOORE CA 93245 2 04/30/03 01 0435895289 05 06/01/03 12 1000031676 O 05/01/18 0 8737935 624/G02 F 216,000.00 ZZ 180 216,000.00 1 5.375 1,750.61 70 5.125 1,750.61 SANTA ANA CA 92703 5 05/08/03 00 0435892583 05 07/01/03 0 1000031483 O 06/01/18 0 8739771 E22/G02 F 61,000.00 ZZ 180 61,000.00 1 5.625 502.48 39 5.375 502.48 SUGAR LAND TX 77479 2 05/19/03 00 0416088037 03 07/01/03 0 0416088037 O 06/01/18 0 8739791 E22/G02 F 64,000.00 ZZ 180 64,000.00 1 5.625 527.19 76 5.375 527.19 HENNESSEY OK 73742 2 05/19/03 00 0416494839 05 07/01/03 0 0416494839 O 06/01/18 0 1 8739821 E82/G02 F 117,850.00 ZZ 180 117,850.00 1 5.625 970.77 74 5.375 970.77 BLANCHESTER OH 45107 5 05/20/03 00 0400815726 05 07/01/03 0 0400815726 O 06/01/18 0 8739843 E22/G02 F 246,000.00 ZZ 180 246,000.00 1 5.250 1,977.54 79 5.000 1,977.54 FARMINGTON MI 48331 2 05/22/03 00 0417235454 05 07/01/03 0 0417235454 O 06/01/18 0 8739895 E22/G02 F 375,000.00 ZZ 180 375,000.00 1 5.250 3,014.54 80 5.000 3,014.54 CROFTON MD 21114 2 05/19/03 00 0416963015 05 07/01/03 0 0416963015 O 06/01/18 0 8739931 E82/G02 F 125,400.00 ZZ 180 125,400.00 1 5.500 1,024.62 80 5.250 1,024.62 MELBOURNE FL 32904 2 05/19/03 00 0400831152 03 07/01/03 0 0400831152 O 06/01/18 0 8739943 E82/G02 F 75,900.00 ZZ 180 75,900.00 1 5.500 620.17 79 5.250 620.17 EUDORA AR 71640 2 05/19/03 00 0400821039 05 07/01/03 0 0400821039 O 06/01/18 0 8740267 E22/G02 F 93,000.00 ZZ 180 93,000.00 1 1 5.375 753.73 69 5.125 753.73 HOUSTON TX 77089 5 05/19/03 00 0416876225 03 07/01/03 0 0416876225 O 06/01/18 0 8740335 E22/G02 F 145,000.00 ZZ 180 145,000.00 1 5.500 1,184.77 77 5.250 1,184.77 INGLESIDE IL 60041 5 05/20/03 00 0416986800 05 07/01/03 0 0416986800 O 06/01/18 0 8740449 E22/G02 F 123,500.00 ZZ 180 123,500.00 1 5.625 1,017.31 95 5.375 1,017.31 PAPILLION NE 68046 5 05/21/03 01 0416948461 05 07/01/03 30 0416948461 O 06/01/18 0 8740455 E22/G02 F 142,500.00 ZZ 180 142,500.00 1 5.875 1,192.89 95 5.625 1,192.89 BROKEN ARROW OK 74014 2 05/19/03 01 0416954980 05 07/01/03 30 0416954980 O 06/01/18 0 8740459 E22/G02 F 93,000.00 ZZ 180 93,000.00 1 5.250 747.61 65 5.000 747.61 KAWKAWLIN MI 48631 2 05/19/03 00 0416959005 05 07/01/03 0 0416959005 O 06/01/18 0 8740477 E22/G02 F 145,500.00 ZZ 180 145,500.00 1 5.000 1,150.60 64 4.750 1,150.60 ROCKLIN CA 95677 2 05/15/03 00 0417077542 05 07/01/03 0 1 0417077542 O 06/01/18 0 8740519 E22/G02 F 77,000.00 ZZ 180 77,000.00 1 6.250 660.22 70 6.000 660.22 MARTINEZ GA 30907 5 05/15/03 00 0416654671 05 07/01/03 0 0416654671 N 06/01/18 0 8741039 S27/G02 F 294,500.00 ZZ 180 294,500.00 1 5.750 2,445.56 80 5.500 2,445.56 FAIRFAX VA 22030 2 05/07/03 00 0435904537 05 07/01/03 0 1130013259 O 06/01/18 0 8741135 X89/G02 F 430,000.00 ZZ 180 430,000.00 1 5.625 3,542.05 79 5.375 3,542.05 ALBUQUERQUE NM 87107 5 05/14/03 00 0435890165 05 07/01/03 0 2004052 O 06/01/18 0 8741163 K15/G02 F 77,500.00 ZZ 180 77,500.00 1 5.625 638.39 60 5.375 638.39 HUMBLE TX 77396 5 05/09/03 00 0435896352 03 07/01/03 0 031705508543 O 06/01/18 0 8741507 M37/G02 F 118,000.00 ZZ 180 118,000.00 1 5.625 972.00 76 5.375 972.00 GLENDALE AZ 85302 5 05/12/03 00 0435908041 05 07/01/03 0 612996 O 06/01/18 0 1 8741551 U05/G02 F 85,000.00 TX 180 85,000.00 1 5.500 694.52 69 5.250 694.52 MCALLEN TX 78501 5 05/15/03 00 0435888219 05 07/01/03 0 3349956 O 06/01/18 0 8741575 T23/G02 F 90,250.00 ZZ 180 90,250.00 1 5.375 731.45 95 5.125 731.45 DAYTON OH 45407 2 05/21/03 10 0435911565 05 07/01/03 25 6432 O 06/01/18 0 8741583 A06/G02 F 122,400.00 ZZ 180 122,400.00 1 5.375 992.01 79 5.125 992.01 BROWNSTOWN MI 48192 5 05/15/03 00 0435896881 05 07/01/03 0 1000020307847 O 06/01/18 0 8741629 U05/G02 F 145,200.00 TX 180 145,200.00 1 5.500 1,186.41 80 5.250 1,186.41 ARANSAS PASS TX 78336 5 05/14/03 00 0435887898 05 07/01/03 0 3349042 O 06/01/18 0 8741635 N74/G02 F 39,425.00 ZZ 180 39,279.04 1 5.125 314.34 95 4.875 314.34 NORTH WILKESBOR NC 28659 1 05/21/03 10 0435909445 05 06/21/03 30 0032428010 O 05/21/18 0 8741681 L76/G02 F 270,000.00 ZZ 180 270,000.00 1 5.000 2,135.14 70 4.750 2,135.14 1 FARIBAULT MN 55021 5 05/21/03 00 0435906615 05 07/01/03 0 9507751 O 06/01/18 0 8741895 K15/G02 F 127,500.00 ZZ 180 127,500.00 1 6.000 1,075.92 85 5.750 1,075.92 DANIELSON CT 06239 5 05/10/03 41 0435893029 05 07/01/03 6 037605509133 O 06/01/18 0 8742745 E22/G02 F 71,250.00 ZZ 180 71,250.00 1 5.750 591.67 93 5.500 591.67 DORA AL 35062 5 05/21/03 11 0416948172 05 07/01/03 25 0416948172 O 06/01/18 0 8742943 E22/G02 F 92,000.00 ZZ 180 92,000.00 1 5.250 739.57 17 5.000 739.57 SAN BRUNO CA 94066 5 05/06/03 00 0416590610 05 07/01/03 0 0416590610 O 06/01/18 0 8742993 E22/G02 F 120,000.00 ZZ 180 120,000.00 1 5.750 996.49 80 5.500 996.49 NEW BRAUNFELS TX 78130 5 05/20/03 00 0416855559 05 07/01/03 0 0416855559 O 06/01/18 0 8743041 E22/G02 F 74,800.00 ZZ 180 74,800.00 1 5.875 626.16 80 5.625 626.16 BROKEN ARROW OK 74011 5 05/21/03 00 0416985299 05 07/01/03 0 0416985299 O 06/01/18 0 1 8744265 K15/G02 F 82,400.00 ZZ 180 82,400.00 1 5.375 667.82 60 5.125 667.82 WALES ME 04280 5 05/21/03 00 0435896774 05 07/01/03 0 007705514236 O 06/01/18 0 8745051 624/G02 F 124,250.00 ZZ 180 123,804.25 1 5.500 1,015.23 79 5.250 1,015.23 PHEONIX AZ 85029 5 04/22/03 00 0435895156 05 06/01/03 0 1000030001 O 05/01/18 0 8745271 U05/G02 F 378,600.00 TX 180 378,600.00 1 5.625 3,118.65 78 5.375 3,118.65 AUSTIN TX 78733 2 05/13/03 00 0435894563 03 07/01/03 0 3343338 O 06/01/18 0 8745865 E22/G02 F 96,200.00 ZZ 180 96,200.00 1 5.125 767.02 74 4.875 767.02 KANSAS CITY MO 64118 2 05/21/03 00 0417098472 05 07/01/03 0 0417098472 O 06/01/18 0 8745939 E22/G02 F 146,400.00 ZZ 180 146,400.00 1 5.875 1,225.54 80 5.625 1,225.54 DENTON TX 76205 5 05/22/03 00 0413682311 05 07/01/03 0 0413682311 O 06/01/18 0 8746159 E82/G02 F 62,400.00 ZZ 180 62,400.00 1 1 5.375 505.73 74 5.125 505.73 FORT LAUDERDALE FL 33309 2 05/23/03 00 0400836383 05 07/01/03 0 0400836383 O 06/01/18 0 8746295 E22/G02 F 150,400.00 ZZ 180 150,400.00 1 5.250 1,209.03 80 5.000 1,209.03 PORT ORCHARD WA 98366 5 05/19/03 00 0417010436 05 07/01/03 0 0417010436 O 06/01/18 0 8746465 E82/G02 F 145,600.00 ZZ 180 145,600.00 1 5.375 1,180.04 80 5.125 1,180.04 GAITHERSBURG MD 20886 2 05/23/03 00 0400803938 09 07/01/03 0 0400803938 O 06/01/18 0 8746559 E22/G02 F 86,000.00 ZZ 180 86,000.00 1 5.250 691.33 54 5.000 691.33 WESTMINSTER CO 80030 2 05/22/03 00 0417131026 05 07/01/03 0 0417131026 O 06/01/18 0 8746579 E22/G02 F 131,000.00 ZZ 180 131,000.00 2 5.500 1,070.38 66 5.250 1,070.38 DELRAY BEACH FL 33444 2 05/28/03 00 0417164308 05 07/01/03 0 0417164308 N 06/01/18 0 8747503 950/G02 F 208,000.00 ZZ 180 208,000.00 1 5.500 1,699.53 80 5.250 1,699.53 SHORELINE WA 98155 5 05/13/03 00 0435902168 05 07/01/03 0 1 E034036 O 06/01/18 0 8747593 K15/G02 F 147,500.00 ZZ 180 147,500.00 1 5.500 1,205.20 80 5.250 1,205.20 STERLING OH 44276 5 05/20/03 00 0435898614 05 07/01/03 0 003690005508791 O 06/01/18 0 8747915 624/G02 F 70,000.00 ZZ 180 70,000.00 1 5.375 567.33 28 5.125 567.33 OAKDALE CA 95361 1 05/15/03 00 0435895123 05 07/01/03 0 1000031707 O 06/01/18 0 8748101 624/G02 F 130,000.00 ZZ 180 130,000.00 1 5.625 1,070.85 48 5.375 1,070.85 NORWALK CA 90650 5 05/05/03 00 0435895339 05 07/01/03 0 1000030123 O 06/01/18 0 8748543 Q14/G02 F 85,500.00 ZZ 180 85,500.00 1 5.375 692.95 90 5.125 692.95 CLINTON IA 52732 2 05/15/03 01 0435901194 05 07/01/03 25 0000312858 O 06/01/18 0 8748549 E22/G02 F 362,000.00 ZZ 180 362,000.00 1 5.375 2,933.88 80 5.125 2,933.88 TACOMA WA 98422 5 05/16/03 00 0416989580 05 07/01/03 0 0416989580 O 06/01/18 0 1 8748689 E22/G02 F 224,000.00 ZZ 180 224,000.00 1 5.250 1,800.69 80 5.000 1,800.69 HOUSTON TX 77008 5 05/23/03 00 0416933752 05 07/01/03 0 0416933752 O 06/01/18 0 8749371 E22/G02 F 247,000.00 ZZ 180 247,000.00 1 5.250 1,985.58 95 5.000 1,985.58 SALT LAKE CITY UT 84106 2 05/21/03 04 0417048634 05 07/01/03 30 0417048634 O 06/01/18 0 8749543 E22/G02 F 339,000.00 ZZ 180 339,000.00 1 5.375 2,747.48 62 5.125 2,747.48 AUSTIN TX 78730 2 05/23/03 00 0417150315 03 07/01/03 0 0417150315 O 06/01/18 0 8752189 253/253 F 95,000.00 ZZ 180 95,000.00 1 5.750 788.89 68 5.500 788.89 LOUISVILLE KY 40218 5 05/15/03 00 459351 05 07/01/03 0 459351 O 06/01/18 0 8753131 E82/G02 F 75,000.00 ZZ 180 75,000.00 1 5.375 607.85 56 5.125 607.85 EL PASO IL 61738 2 05/28/03 00 0400823886 05 07/01/03 0 0400823886 O 06/01/18 0 8753349 E22/G02 F 116,800.00 ZZ 180 116,800.00 1 5.750 969.92 80 5.500 969.92 1 INDIANAPOLIS IN 46260 1 05/30/03 00 0417124567 05 07/01/03 0 0417124567 N 06/01/18 0 8756135 K15/G02 F 157,500.00 ZZ 180 157,500.00 1 5.500 1,286.91 59 5.250 1,286.91 NASHUA NH 03062 5 05/14/03 00 0435911730 05 07/01/03 0 033105515549 O 06/01/18 0 TOTAL NUMBER OF LOANS : 1,555 TOTAL ORIGINAL BALANCE : 259,581,725.80 TOTAL PRINCIPAL BALANCE : 258,252,490.02 TOTAL ORIGINAL P+I : 2,141,049.97 TOTAL CURRENT P+I : 2,141,049.97 *************************** * END OF REPORT * ***************************
EXHIBIT TWO SCHEDULE OF DISCOUNT FRACTIONS Schedule of Discount Fractions Loan Number Current Balance Net Mortgage Rate Discount Fraction PO Balance 8366242 $264,029.10 4.970% 0.6000% $1,584.17 8367400 $111,589.66 4.970% 0.6000% $669.54 8367428 $199,259.53 4.845% 3.1000% $6,177.05 8367892 $121,145.06 4.720% 5.6000% $6,784.12 8367982 $117,069.50 4.970% 0.6000% $702.42 8371182 $322,700.00 4.845% 3.1000% $10,003.70 8371190 $642,500.00 4.970% 0.6000% $3,855.00 8371974 $215,000.00 4.595% 8.1000% $17,415.00 8523295 $231,389.81 4.845% 3.1000% $7,173.08 8523317 $319,062.93 4.720% 5.6000% $17,867.52 8524459 $458,689.55 4.970% 0.6000% $2,752.14 8524479 $338,541.84 4.845% 3.1000% $10,494.80 8529671 $285,443.54 4.720% 5.6000% $15,984.84 8539659 $320,305.40 4.845% 3.1000% $9,929.47 8562869 $78,717.65 4.970% 0.6000% $472.31 8568999 $99,265.64 4.970% 0.6000% $595.59 8569189 $140,857.95 4.970% 0.6000% $845.15 8569191 $168,725.31 4.720% 5.6000% $9,448.62 8589923 $118,451.20 4.720% 5.6000% $6,633.27 8593913 $58,779.26 4.720% 5.6000% $3,291.64 8610877 $140,393.41 4.970% 0.6000% $842.36 8613217 $164,395.48 4.970% 0.6000% $986.37 8613407 $197,602.74 4.970% 0.6000% $1,185.62 8613695 $79,687.79 4.720% 5.6000% $4,462.52 8619007 $281,963.16 4.970% 0.6000% $1,691.78 8622927 $138,490.74 4.970% 0.6000% $830.94 8624883 $78,109.62 4.720% 5.6000% $4,374.14 8625513 $96,108.25 4.970% 0.6000% $576.65 8625539 $148,344.07 4.970% 0.6000% $890.06 8625619 $29,467.48 4.970% 0.6000% $176.80 8626989 $144,468.76 4.970% 0.6000% $866.81 8629721 $139,481.67 4.845% 3.1000% $4,323.93 8630395 $317,377.28 4.845% 3.1000% $9,838.70 8631119 $153,365.42 4.970% 0.6000% $920.19 8632543 $201,259.92 4.970% 0.6000% $1,207.56 8633591 $211,206.85 4.720% 5.6000% $11,827.58 8634031 $199,251.74 4.720% 5.6000% $11,158.10 8634067 $98,563.13 4.845% 3.1000% $3,055.46 8635197 $97,640.95 4.970% 0.6000% $585.85 8635393 $98,338.38 4.970% 0.6000% $590.03 8637687 $249,074.41 4.845% 3.1000% $7,721.31 8639011 $87,079.79 4.970% 0.6000% $522.48 8640871 $498,168.11 4.970% 0.6000% $2,989.01 8642467 $259,047.42 4.970% 0.6000% $1,554.28 8644211 $124,532.34 4.720% 5.6000% $6,973.81 8645111 $205,245.26 4.970% 0.6000% $1,231.47 8645333 $108,102.48 4.970% 0.6000% $648.61 8647139 $246,759.13 4.970% 0.6000% $1,480.55 8647143 $333,772.63 4.970% 0.6000% $2,002.64 8647497 $50,723.13 4.970% 0.6000% $304.34 8647967 $113,582.33 4.970% 0.6000% $681.49 8647987 $277,977.81 4.970% 0.6000% $1,667.87 8648297 $130,514.99 4.845% 3.1000% $4,045.96 Friday, June 20, 2003 Page 1 of 5 8648601 $555,887.58 4.970% 0.6000% $3,335.33 8648895 $510,104.39 4.845% 3.1000% $15,813.24 8649355 $302,713.07 4.720% 5.6000% $16,951.93 8651203 $163,217.50 4.970% 0.6000% $979.31 8651211 $293,884.76 4.595% 8.1000% $23,804.67 8651329 $313,809.15 4.595% 8.1000% $25,418.54 8651337 $121,054.85 4.970% 0.6000% $726.33 8651377 $206,217.44 4.595% 8.1000% $16,703.61 8651419 $124,532.34 4.720% 5.6000% $6,973.81 8651437 $144,164.27 4.845% 3.1000% $4,469.09 8651455 $97,625.64 4.470% 10.6000% $10,348.32 8651779 $323,156.86 4.970% 0.6000% $1,938.94 8651803 $119,560.35 4.970% 0.6000% $717.36 8651977 $184,122.21 4.970% 0.6000% $1,104.73 8652003 $191,289.14 4.845% 3.1000% $5,929.96 8653545 $213,697.49 4.720% 5.6000% $11,967.06 8653565 $135,496.47 4.845% 3.1000% $4,200.39 8653571 $249,074.41 4.845% 3.1000% $7,721.31 8653741 $303,858.91 4.720% 5.6000% $17,016.10 8653747 $274,988.80 4.970% 0.6000% $1,649.93 8653765 $184,307.86 4.720% 5.6000% $10,321.24 8653851 $138,216.95 4.970% 0.6000% $829.30 8653937 $105,607.55 4.845% 3.1000% $3,273.83 8653955 $122,544.60 4.845% 3.1000% $3,798.88 8653961 $155,404.08 4.470% 10.6000% $16,472.83 8653967 $159,911.97 4.970% 0.6000% $959.47 8653985 $242,579.45 4.595% 8.1000% $19,648.94 8653993 $199,243.90 4.595% 8.1000% $16,138.76 8654503 $174,558.11 4.970% 0.6000% $1,047.35 8654663 $148,898.46 4.970% 0.6000% $893.39 8655507 $590,129.94 4.970% 0.6000% $3,540.78 8655557 $196,278.24 4.970% 0.6000% $1,177.67 8655731 $64,759.34 4.845% 3.1000% $2,007.54 8655905 $133,254.80 4.845% 3.1000% $4,130.90 8655963 $199,267.24 4.970% 0.6000% $1,195.60 8657391 $259,047.42 4.970% 0.6000% $1,554.28 8657439 $156,418.73 4.845% 3.1000% $4,848.98 8657595 $113,025.55 4.720% 5.6000% $6,329.43 8657599 $104,615.31 4.970% 0.6000% $627.69 8657705 $231,349.28 4.970% 0.6000% $1,388.10 8658135 $242,290.12 4.720% 5.6000% $13,568.25 8658311 $186,326.92 4.970% 0.6000% $1,117.96 8661863 $88,175.76 4.970% 0.6000% $529.05 8661971 $173,349.02 4.720% 5.6000% $9,707.55 8662349 $538,021.56 4.970% 0.6000% $3,228.13 8662611 $84,884.55 4.845% 3.1000% $2,631.42 8664183 $251,574.90 4.970% 0.6000% $1,509.45 8666437 $129,922.24 4.970% 0.6000% $779.53 8666743 $134,267.88 4.970% 0.6000% $805.61 8667311 $159,413.80 4.970% 0.6000% $956.48 8667321 $140,500.00 4.970% 0.6000% $843.00 8667359 $394,000.00 4.845% 3.1000% $12,214.00 8667471 $321,517.70 4.970% 0.6000% $1,929.11 8668187 $143,721.50 4.970% 0.6000% $862.33 8668945 $302,000.00 4.720% 5.6000% $16,912.00 8669001 $114,269.28 4.970% 0.6000% $685.62 8669245 $423,442.90 4.970% 0.6000% $2,540.66 Friday, June 20, 2003 Page 2 of 5 8669249 $570,900.66 4.970% 0.6000% $3,425.40 8669315 $189,303.88 4.970% 0.6000% $1,135.82 8669411 $199,267.24 4.970% 0.6000% $1,195.60 8669725 $65,018.99 4.970% 0.6000% $390.11 8670183 $123,089.39 4.970% 0.6000% $738.54 8670215 $239,684.50 4.970% 0.6000% $1,438.11 8673037 $229,962.50 4.720% 5.6000% $12,877.90 8673623 $553,902.28 4.970% 0.6000% $3,323.41 8673819 $308,864.22 4.970% 0.6000% $1,853.19 8674203 $224,175.66 4.970% 0.6000% $1,345.05 8674453 $287,692.08 4.970% 0.6000% $1,726.15 8675695 $83,692.24 4.970% 0.6000% $502.15 8676575 $111,589.66 4.970% 0.6000% $669.54 8676701 $96,000.00 4.720% 5.6000% $5,376.00 8676827 $291,915.20 4.845% 3.1000% $9,049.37 8677299 $199,251.74 4.720% 5.6000% $11,158.10 8678591 $149,450.43 4.970% 0.6000% $896.70 8680985 $74,772.14 4.845% 3.1000% $2,317.94 8681983 $135,000.00 4.970% 0.6000% $810.00 8681993 $313,285.79 4.845% 3.1000% $9,711.86 8683257 $51,807.47 4.845% 3.1000% $1,606.03 8683581 $298,900.87 4.970% 0.6000% $1,793.41 8684051 $322,700.00 4.970% 0.6000% $1,936.20 8684063 $74,224.18 4.845% 3.1000% $2,300.95 8684423 $338,754.31 4.970% 0.6000% $2,032.53 8684577 $229,148.45 4.845% 3.1000% $7,103.60 8684645 $283,944.82 4.845% 3.1000% $8,802.29 8684755 $291,903.80 4.720% 5.6000% $16,346.61 8684801 $251,047.32 4.595% 8.1000% $20,334.83 8684945 $229,139.50 4.720% 5.6000% $12,831.81 8684999 $149,438.81 4.720% 5.6000% $8,368.57 8685061 $298,877.62 4.720% 5.6000% $16,737.15 8685125 $215,372.91 4.720% 5.6000% $12,060.88 8685147 $360,659.74 4.845% 3.1000% $11,180.45 8685189 $298,877.62 4.720% 5.6000% $16,737.15 8685211 $242,100.32 4.845% 3.1000% $7,505.11 8686745 $137,981.83 4.720% 5.6000% $7,726.98 8687267 $128,000.00 4.845% 3.1000% $3,968.00 8687283 $117,000.00 4.845% 3.1000% $3,627.00 8687497 $321,505.24 4.845% 3.1000% $9,966.66 8687547 $70,000.00 4.845% 3.1000% $2,170.00 8688625 $149,600.00 4.845% 3.1000% $4,637.60 8688887 $65,000.00 4.845% 3.1000% $2,015.00 8691669 $480,000.00 4.720% 5.6000% $26,880.00 8691673 $647,568.17 4.720% 5.6000% $36,263.82 8691687 $119,551.05 4.720% 5.6000% $6,694.86 8691699 $432,393.17 4.845% 3.1000% $13,404.19 8691707 $303,300.00 4.845% 3.1000% $9,402.30 8691721 $251,057.20 4.720% 5.6000% $14,059.20 8693195 $116,566.83 4.845% 3.1000% $3,613.57 8696475 $244,700.18 4.970% 0.6000% $1,468.20 8697801 $310,000.00 4.970% 0.6000% $1,860.00 8699837 $199,742.01 4.595% 8.1000% $16,179.10 8699855 $204,241.01 4.845% 3.1000% $6,331.47 8699871 $131,495.76 4.470% 10.6000% $13,938.55 8699897 $172,366.17 4.970% 0.6000% $1,034.20 8699921 $319,457.13 4.970% 0.6000% $1,916.74 Friday, June 20, 2003 Page 3 of 5 8699929 $130,719.31 4.970% 0.6000% $784.32 8699951 $203,228.78 4.595% 8.1000% $16,461.53 8699991 $259,037.38 4.845% 3.1000% $8,030.16 8699999 $108,094.07 4.720% 5.6000% $6,053.27 8700003 $211,206.84 4.720% 5.6000% $11,827.58 8700083 $179,326.57 4.720% 5.6000% $10,042.29 8700103 $259,017.07 4.595% 8.1000% $20,980.38 8700107 $199,259.53 4.845% 3.1000% $6,177.05 8700111 $119,546.34 4.595% 8.1000% $9,683.25 8700127 $93,146.52 4.595% 8.1000% $7,544.87 8700135 $256,038.49 4.720% 5.6000% $14,338.16 8700143 $176,330.85 4.595% 8.1000% $14,282.80 8700157 $134,494.93 4.720% 5.6000% $7,531.72 8700161 $263,012.30 4.720% 5.6000% $14,728.69 8700167 $249,064.68 4.720% 5.6000% $13,947.62 8700175 $159,388.80 4.470% 10.6000% $16,895.21 8700187 $185,311.35 4.845% 3.1000% $5,744.65 8700199 $189,281.71 4.595% 8.1000% $15,331.82 8700217 $321,517.70 4.970% 0.6000% $1,929.11 8700229 $313,833.75 4.845% 3.1000% $9,728.85 8700237 $65,753.08 4.720% 5.6000% $3,682.17 8700239 $131,002.87 4.595% 8.1000% $10,611.23 8700271 $115,575.00 4.970% 0.6000% $693.45 8700273 $129,508.54 4.595% 8.1000% $10,490.19 8700361 $83,692.24 4.970% 0.6000% $502.15 8700393 $199,267.24 4.970% 0.6000% $1,195.60 8700423 $166,381.70 4.845% 3.1000% $5,157.83 8700447 $107,093.60 4.595% 8.1000% $8,674.58 8700453 $135,784.72 4.595% 8.1000% $10,998.56 8700455 $248,058.66 4.595% 8.1000% $20,092.75 8700469 $71,000.00 4.845% 3.1000% $2,201.00 8700475 $320,795.31 4.720% 5.6000% $17,964.54 8700483 $139,470.73 4.595% 8.1000% $11,297.13 8701305 $199,259.53 4.845% 3.1000% $6,177.05 8702415 $124,542.03 4.970% 0.6000% $747.25 8702581 $70,000.00 4.970% 0.6000% $420.00 8707035 $127,531.04 4.970% 0.6000% $765.19 8707077 $344,000.00 4.845% 3.1000% $10,664.00 8707259 $253,000.00 4.845% 3.1000% $7,843.00 8707715 $66,500.00 4.970% 0.6000% $399.00 8707719 $263,750.00 4.845% 3.1000% $8,176.25 8707869 $256,000.00 4.970% 0.6000% $1,536.00 8708055 $93,000.00 4.845% 3.1000% $2,883.00 8708245 $114,574.23 4.845% 3.1000% $3,551.80 8712263 $285,800.00 4.720% 5.6000% $16,004.80 8714269 $160,000.00 4.845% 3.1000% $4,960.00 8714621 $234,111.59 4.595% 8.1000% $18,963.04 8715493 $479,237.73 4.970% 0.6000% $2,875.43 8715831 $272,000.00 4.845% 3.1000% $8,432.00 8717139 $87,176.04 4.845% 3.1000% $2,702.46 8717345 $243,295.88 4.845% 3.1000% $7,542.17 8717411 $63,262.43 4.720% 5.6000% $3,542.70 8718465 $75,000.00 4.720% 5.6000% $4,200.00 8718517 $97,000.00 4.970% 0.6000% $582.00 8718785 $59,780.17 4.970% 0.6000% $358.68 8718959 $65,000.00 4.970% 0.6000% $390.00 8719109 $133,000.00 4.595% 8.1000% $10,773.00 Friday, June 20, 2003 Page 4 of 5 8719283 $60,750.00 4.970% 0.6000% $364.50 8719567 $86,000.00 4.845% 3.1000% $2,666.00 8719573 $103,500.00 4.970% 0.6000% $621.00 8719581 $253,500.00 4.970% 0.6000% $1,521.00 8719975 $338,714.64 4.595% 8.1000% $27,435.89 8720279 $127,600.00 4.970% 0.6000% $765.60 8720499 $212,000.00 4.970% 0.6000% $1,272.00 8724063 $101,600.00 4.970% 0.6000% $609.60 8724571 $52,000.00 4.970% 0.6000% $312.00 8724735 $65,000.00 4.970% 0.6000% $390.00 8726369 $168,560.35 4.595% 8.1000% $13,653.39 8727259 $206,241.60 4.970% 0.6000% $1,237.45 8728019 $140,000.00 4.845% 3.1000% $4,340.00 8728035 $195,000.00 4.845% 3.1000% $6,045.00 8728197 $50,000.00 4.970% 0.6000% $300.00 8728283 $155,000.00 4.970% 0.6000% $930.00 8728349 $205,000.00 4.970% 0.6000% $1,230.00 8728625 $84,685.30 4.845% 3.1000% $2,625.24 8729897 $50,000.00 4.970% 0.6000% $300.00 8730115 $123,000.00 4.970% 0.6000% $738.00 8730263 $322,200.00 4.720% 5.6000% $18,043.20 8731497 $158,700.00 4.595% 8.1000% $12,854.70 8732449 $50,000.00 4.595% 8.1000% $4,050.00 8733521 $71,250.00 4.970% 0.6000% $427.50 8734925 $48,300.00 4.845% 3.1000% $1,497.30 8737231 $148,547.98 4.845% 3.1000% $4,604.99 8739843 $246,000.00 4.970% 0.6000% $1,476.00 8739895 $375,000.00 4.970% 0.6000% $2,250.00 8740459 $93,000.00 4.970% 0.6000% $558.00 8740477 $145,500.00 4.720% 5.6000% $8,148.00 8741635 $39,279.04 4.845% 3.1000% $1,217.65 8741681 $270,000.00 4.720% 5.6000% $15,120.00 8742943 $92,000.00 4.970% 0.6000% $552.00 8745865 $96,200.00 4.845% 3.1000% $2,982.20 8746295 $150,400.00 4.970% 0.6000% $902.40 8746559 $86,000.00 4.970% 0.6000% $516.00 8748689 $224,000.00 4.970% 0.6000% $1,344.00 8749371 $247,000.00 4.970% 0.6000% $1,482.00 Friday, June 20, 2003 Page 5 of 5
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