EX-10 3 qs22ss.txt EX 10.1 SERIES SUPPLEMENT EXECUTION COPY ================================================================================ RESIDENTIAL ACCREDIT LOANS, INC., Company, RESIDENTIAL FUNDING CORPORATION, Master Servicer, and DEUTSCHE BANK TRUST COMPANY AMERICAS, Trustee SERIES SUPPLEMENT, DATED AS OF DECEMBER 1, 2003, TO STANDARD TERMS OF POOLING AND SERVICING AGREEMENT dated as of March 1, 2003 Mortgage Asset-Backed Pass-Through Certificates Series 2003-QS22 ================================================================================
Article I DEFINITIONS....................................................................4 Section 1.01. Definitions..........................................................4 Section 1.02. Use of Words and Phrases............................................17 Section 1.03. Determination of LIBOR..............................................17 Article II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES...........................................................19 Section 2.01. Conveyance of Mortgage Loans. (See Section 2.01 of the Standard Terms).............................19 Section 2.02. Acceptance by Trustee. (See Section 2.02 of the Standard Terms)...............................................................19 Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Company......................................19 Section 2.04. Representations and Warranties of Sellers............................22 Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates Evidencing Interests in REMIC I Certificates............24 Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular Interests; Acceptance by the Trustee.................................24 Section 2.07. Issuance of Certificates Evidencing Interest in REMIC II.............24 Section 2.08. Purposes and Powers of the Trust (See Section 2.08 of the Standard Terms)......................................................25 Article III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS................................26 Section 3.01. Master Servicer to Act as Servicer. (See Section 3.01 of the Standard Terms)...............................................................26 Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement of Subservicers' and Sellers' Obligations. (See Section 3.02 of the Standard Terms)..................................26 Section 3.03. Successor Subservicers. (See Section 3.03 of the Standard Terms).....26 Section 3.04. Liability of the Master Servicer. (See Section 3.04 of the Standard Terms)...............................................................26 Section 3.05. No Contractual Relationship Between Subservicer and Trustee or Certificateholders. (See Section 3.05 of the Standard Terms).........26 Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee. (See Section 3.06 of the Standard Terms).............................26 i Page Section 3.07. Collection of Certain Mortgage Loan Payments; Deposits to Custodial Account................................................... 26 Section 3.08. Subservicing Accounts; Servicing Accounts. (See Section 3.08 of the Standard Terms)..................................................29 Section 3.09. Access to Certain Documentation and Information Regarding the Mortgage Loans. (See Section 3.09 of the Standard Terms)......................29 Section 3.10. Permitted Withdrawals from the Custodial Account. (See Section 3.10 of the Standard Terms)..........................................29 Section 3.11. Maintenance of the Primary Insurance Policies; Collections Thereunder. (See Section 3.11 of the Standard Terms).................29 Section 3.12. Maintenance of Fire Insurance and Omissions and Fidelity Coverage. (See Section 3.12 of the Standard Terms)...................29 Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and Modification Agreements; Certain Assignments. (See Section 3.13 of the Standard Terms)...............................................................29 Section 3.14. Realization Upon Defaulted Mortgage Loans. (See Section 3.14 of the Standard Terms)..................................................... 29 Section 3.15. Trustee to Cooperate; Release of Mortgage Files. (See Section 3.15 of the Standard Terms)..............................................29 Section 3.16. Servicing and Other Compensation; Compensating Interest. (See Section 3.16 of the Standard Terms).............................29 Section 3.17. Reports to the Trustee and the Company. (See Section 3.17 of the Standard Terms)......................................................29 Section 3.18. Annual Statement as to Compliance. (See Section 3.18 of the Standard Terms)...............................................................29 Section 3.19. Annual Independent Public Accountants' Servicing Report. (See Section 3.19 of the Standard Terms).............................29 Section 3.20. Rights of the Company in Respect of the Master Servicer. (See Section 3.20 of the Standard Terms).............................29 Section 3.21. Administration of Buydown Funds (See Section 3.21 of the Standard Terms) ...................................................29 Article IV PAYMENTS TO CERTIFICATEHOLDERS.................................................30 Section 4.01. Certificate Account. (See Section 4.01 of the Standard Terms) .....30 Section 4.02. Distributions. ......................................................30 Section 4.03. Statements to Certificateholders; Exchange Act Reporting (See Section 4.03 of the Standard Terms)..................................38 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)......................................................38 Section 4.05. Allocation of Realized Losses. ......................................38 ii Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property. (See Section 4.06 of the Standard Terms).............................40 Section 4.07. Optional Purchase of Defaulted Mortgage Loans. (See Section 4.07 of the Standard Terms)..........................................40 Section 4.08. Surety Bond. (See Section 4.08 of the Standard Terms)................40 Article V THE CERTIFICATES................................................................41 Section 5.01. The Certificates ...................................................41 Section 5.02. Registration of Transfer and Exchange of Certificates (See Section 5.02 of the Standard Terms)..................................42 Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates (See Section 5.03 of the Standard Terms)..........................................42 Section 5.04. Persons Deemed Owners (See Section 5.04 of the Standard Terms).......42 Section 5.05. Appointment of Paying Agent (See Section 5.05 of the Standard Terms)...............................................................42 Article VI THE COMPANY AND THE MASTER SERVICER..........................................43 Article VII DEFAULT......................................................................44 Article VIII CONCERNING THE TRUSTEE.......................................................45 Article IX TERMINATION..................................................................46 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. ..............................................46 Section 9.02. Additional Termination Requirements. (See Section 9.02 of the Standard Terms)......................................................47 Section 9.03. Termination of Multiple REMICs. (See Section 9.03 of the Standard Terms)......................................................47 Article X REMIC PROVISIONS............................................................48 Section 10.01.REMIC Administration. (See Section 10.01 of the Standard Terms).....48 Section 10.02.Master Servicer; REMIC Administrator and Trustee Indemnification. (See Section 10.02 of the Standard Terms)..........48 Section 10.03.Designation of REMICs................................................48 iii Section 10.04.Distributions on the Uncertificated REMIC I and REMIC II Regular Interests....................................................49 Section 10.05.Compliance with Withholding Requirements.............................50 Article XI MISCELLANEOUS PROVISIONS......................................................51 Section 11.01.Amendment. (See Section 11.01 of the Standard Terms)................51 Section 11.02.Recordation of Agreement; Counterparts. (See Section 11.02 of the Standard Terms)..................................................51 Section 11.03.Limitation on Rights of Certificateholders. (See Section 11.03 of the Standard Terms)...............................................51 Section 11.04.Governing Laws. (See Section 11.04 of the Standard Terms)...........51 Section 11.05.Notices..............................................................51 Section 11.06.Required Notices to Rating Agency and Subservicer. (See Section 11.06 of the Standard Terms).................................52 Section 11.07.Severability of Provisions. (See Section 11.07 of the Standard Terms)...............................................................51 Section 11.08.Supplemental Provisions for Resecuritization. (See Section 11.08 of the Standard Terms).........................................52 Section 11.09.Allocation of Voting Rights..........................................52 Section 11.10.No Petition..........................................................52 iv 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 Exhibit Five: Aggregate Planned Principal Balances and Aggregate Targeted Principal Balances v
This is a Series Supplement, dated as of December 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 S&P/ PASS-THROUGH PRINCIPAL MATURITY -------- MINIMUM DESIGNATION RATE BALANCE FEATURES(1) DATE FITCH DENOMINATIONS(2) Class A-1 6.00% $53,472,000.00 Senior/Fixed Rate December 26, AAA/AAA $25,000.00 2033 Class A-2 6.00% $3,144,720.00 Senior/Fixed Rate December 26, AAA/AAA $25,000.00 2033 Class A-3 5.375% $106,210,000.00 Senior/Fixed Rate December 26, AAA/AAA $25,000.00 2033 Class A-4 5.375% $6,245,880.00 Senior/Fixed Rate December 26, AAA/AAA $25,000.00 2033 Class A-5 4.25% $50,000,000.00 Senior/PAC/Fixed Rate December 26, AAA/AAA $25,000.00 2033 Class A-6 Adjustable $21,428,571.00 Senior/PAC/Floater/ December 26, AAA/AAA $25,000.00 Rate(3) Adjustable Rate 2033 Class A-7 Adjustable $0.00(4) Senior/Interest December 26, AAA/AAA $2,000,000.00 Rate(3) Only/Inverse 2033 Floater/Adjustable Rate Class A-8 5.375% $28,120,000.00 Senior/TAC/Fixed Rate December 26, AAA/AAA $25,000.00 2033 Class A-9 5.375% $9,462,429.00 Senior/TAC/Fixed Rate December 26, AAA/AAA $25,000.00 2033 Class A-10 5.375% $5,000,000.00 Senior/Companion/Fixed December 26, AAA/AAA $25,000.00 Rate 2033 Class A-11 Adjustable $35,120,400.00 Senior/Floater/AdjustablDecember 26, AAA/AAA $25,000.00 Rate(3) Rate 2033 Class A-12 Adjustable $0.004 Senior/Interest December 26, AAA/AAA $2,000,000.00 Rate(3) Only/Inverse 2033 Floater/Adjustable Rate 1 The Certificates, other than the Class A-P, Class A-V, Class B and Class R Certificates shall be Book-Entry Certificates. The Class A-P, Class A-V, Class B and Class R Certificates shall be delivered to the holders thereof in physical form. 2 The Certificates, other than the Class A-V and Class R Certificates, shall be issuable in minimum dollar denominations as indicated above (by Certificate Principal Balance or Notional Amount, as applicable) and integral multiples of $1 (or $1,000 in the case of the Class A-P, Class B-1, Class B-2 and Class B-3 Certificates) in excess thereof, except that one Certificate of any of the Class A-P and Class B-1, Class B-2 and Class B-3 Certificates that contain an uneven multiple of $1,000 shall be issued in a denomination equal to the sum of the related minimum denomination set forth above and such uneven multiple for such Class or the sum of such denomination and an integral multiple of $1,000. 3 Adjustable Initial Formula Maximum Minimum Rates: Class A-6 Certificates 1.57% LIBOR + 0.45% 8.00% 0.45% ------------------------ ------------ ----------------- --------- --------- ------------------------ ------------ ----------------- --------- --------- Class A-7 Certificates 6.43% 7.55% - LIBOR 7.55% 0.00% ------------------------ ------------ ----------------- --------- --------- ------------------------ ------------ ----------------- --------- --------- Class A-11 Certificates 1.72% LIBOR + 0.60% 8.00% 0.60% ------------------------ ------------ ----------------- --------- --------- ------------------------ ------------ ----------------- --------- --------- Class A-12 Certificates 6.28% 7.40% - LIBOR 7.40% 0.00% 2 AGGREGATE INITIAL CERTIFICATE S&P/ PASS-THROUGH PRINCIPAL MATURITY -------- MINIMUM DESIGNATION RATE BALANCE FEATURES(1) DATE FITCH DENOMINATIONS(2) Class A-13 5.50% $31,350,000.00 Senior/Lockout/Super December 26, AAA/AAA $25,000.00 Senior/Fixed Rate 2033 Class A-14 5.50% $1,650,000.00 Senior/Lockout/Senior December 26, AAA/AAA $25,000.00 Support/Fixed Rate 2033 Class A-P 0.00% $2,485,496.21 Senior/Principal Only December 26, AAA/AAA $25,000.00 2033 Class A-V Variable $0.00 Senior/Interest December 26, AAA/AAA 6 Rate5 Only/Variable Strip 2033 Class R-I 5.75% $100.00 Senior/Residual/Fixed December 26, AAA/AAA 7 Rate 2033 Class R-II 5.75% $100.00 Senior/Residual/Fixed December 26, AAA/AAA 7 Rate 2033 Class M-1 5.75% $8,763,800.00 Mezzanine/Fixed Rate December 26, AA/NA $25,000.00 2033 Class M-2 5.75% $4,101,800.00 Mezzanine/Fixed Rate December 26, A/NA $250,000.00 2033 Class M-3 5.75% $2,610,300.00 Mezzanine/Fixed Rate December 26, BBB/NA $250,000.00 2033 Class B-1 5.75% $1,118,700.00 Subordinate/Fixed December 26, BB/NA $250,000.00 Rate 2033 Class B-2 5.75% $1,305,100.00 Subordinate/Fixed December 26, B/NA $250,000.00 Rate 2033 Class B-3 5.75% $1,305,212.51 Subordinate/Fixed December 26, NA/NA $250,000.00 Rate 2033
Mortgage Loans have an aggregate principal balance as of the Cut-off Date of $372,894,608.72. In consideration of the mutual agreements herein contained, the Company, the Master Servicer and the Trustee agree as follows: ______________ 4 Each of the Class A-7 Certificates and Class A-12 Certificates do not have a principal balance. For the purpose of calculating interest payments, interest on the Class A-7 Certificates will accrue on a notional amount equal to the Certificate Principal Balance of the Class A-6 Certificates immediately prior to the related distribution date. For the purpose of calculating interest payments, interest on the Class A-12 Certificates will accrue on a notional amount equal to the Certificate Principal Balance of the Class A-11 Certificates immediately prior to the related distribution date. 5 The initial Pass-Through Rate on the Class A-V Certificates is 0.4290%. 6 The Class A-V Certificates shall be issuable in minimum denominations of not less than a 20% Percentage Interest. 7 Each class of the Class R Certificates shall be issuable in minimum denominations of not less than a 20% Percentage Interest; provided, however, that one Class R Certificate of each Class will be issuable to Residential Funding as "tax matters person" pursuant to Section 10.01(c) and (e) in a minimum denomination representing a Percentage Interest of not less than 0.01%. 3 ARTICLE I DEFINITIONS Section 1.01. Definitions. Whenever used in this Agreement, the following words and phrases, unless the context otherwise requires, shall have the meanings specified in this Article. Adjustable Rate Certificates: Any of the Class A-6, Class A-7 Class A-11 and Class A-12 Certificates. Aggregate Planned Principal Balance: With respect to any Distribution Date, the amount set forth in Schedule I of the table entitled "Aggregate Planned Principal Balances and Aggregate Targeted Principal Balances" in Exhibit Five opposite such date. Aggregate Targeted Principal Balance: With respect to any Distribution Date, the amount set forth in Schedule II of the table entitled "Aggregate Planned Principal Balances and Aggregate Targeted Principal Balances" in Exhibit Five opposite such date. Bankruptcy Amount: As of any date of determination prior to the first anniversary of the Cut-off Date, an amount equal to the excess, if any, of (A) 132,500 over (B) the aggregate amount of Bankruptcy Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 of this Series Supplement. As of any date of determination on or after the first anniversary of the Cut-off Date, an amount equal to the excess, if any, of (1) the lesser of (a) the Bankruptcy Amount calculated as of the close of business on the Business Day immediately preceding the most recent anniversary of the Cut-off Date coinciding with or preceding such date of determination (or, if such date of determination is an anniversary of the Cut-off Date, the Business Day immediately preceding such date of determination) (for purposes of this definition, the "Relevant Anniversary") and (b) the greater of (A) the greater of (i) the product of (x) an amount equal to the largest difference in the related Monthly Payment for any Non-Primary Residence Loan remaining in the Mortgage Pool (other than Additional Collateral Loans) which had an original Loan-to-Value Ratio of 80% or greater that would result if the Net Mortgage Rate thereof was equal to the weighted average (based on the principal balance of the Mortgage Loans as of the Relevant Anniversary) of the Net Mortgage Rates of all Mortgage Loans as of the Relevant Anniversary less 1.25% per annum, (y) a number equal to the weighted average remaining term to maturity, in months, of all Non-Primary Residence Loans remaining in the Mortgage Pool as of the Relevant Anniversary, and (z) one plus the quotient of the number of all Non-Primary Residence Loans remaining in the Mortgage Pool divided by the total number of Outstanding Mortgage Loans in the Mortgage Pool as of the Relevant Anniversary, and (ii) $50,000, and 4 (B) the greater of (i) 0.0006 times the aggregate principal balance of all the Mortgage Loans in the Mortgage Pool as of the Relevant Anniversary having a Loan-to-Value Ratio (other than Additional Collateral Loans) at origination which exceeds 75% and (ii) $100,000, over (2) the aggregate amount of Bankruptcy Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 since the Relevant Anniversary. The Bankruptcy Amount may be further reduced by the Master Servicer (including accelerating the manner in which such coverage is reduced) provided that prior to any such reduction, the Master Servicer shall (i) obtain written confirmation from each Rating Agency that such reduction shall not reduce the rating assigned to any Class of Certificates by such Rating Agency 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-QS22" and which must be an Eligible Account. Certificate Policy: None. Class A Certificate: Any one of the Class A-1, Class A-2, Class A-3, Class A-4, Class A-5, Class A-6, Class A-7, Class A-8, Class A-9, Class A-10, Class A-11, Class A-12, Class A-13, Class A-14, Class A-V or Class A-P Certificates, executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit A. Class A-P Principal Distribution Amount: With respect to any Distribution Date, an 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 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); 5 (C) in connection with the Cash Liquidation or REO Disposition of a Discount Mortgage Loan that occurred during the preceding calendar month (or was deemed to have occurred during such period in accordance with Section 3.07(b)) 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. Notwithstanding the foregoing, with respect to any Distribution Date on and after the Credit Support Depletion Date, the Class A-P Principal Distribution Amount shall equal the excess of (i) the sum of (a) the related Discount Fraction of the principal portion of each Monthly Payment on each Discount Mortgage Loan received or advanced prior to the related Determination Date and not previously distributed minus the Discount Fraction of the principal portion of any related Debt Service Reduction which together with other Bankruptcy Losses exceeds the Bankruptcy Amount and (b) the aggregate amount calculated pursuant to clauses (B) and (C) above over (ii) the amount calculated pursuant to clause (F) above. 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: December 30, 2003. 6 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-QS22. Cut-off Date: December 1, 2003. Determination Date: With respect to any Distribution Date, the second Business Day prior to each Distribution Date. Discount Net Mortgage Rate: 5.75% 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 excess, if any, of the Available Distribution Amount over 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 clause (E) of the definition of Class A-P Principal Distribution Amount) and (iv) the aggregate amount of Accrued Certificate Interest on the Class M, Class B-1 and Class B-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 2.00% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the Cut-off Date minus the aggregate amount of Fraud Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 of this Series Supplement since the Cut-off Date up to such date of determination, (Y) from the first to, but not including, the second anniversary of the Cut-off Date, an amount equal to (1) the lesser of (a) the Fraud Loss Amount as of the most recent anniversary of the Cut-off Date and (b) 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, and (Z) from the second to, but not including, the fifth anniversary of the Cut-off Date, an amount equal to (1) the lesser of (a) the Fraud Loss Amount as of the most recent anniversary of the Cut-off Date and (b) 1.00% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the most recent anniversary of the Cut-off Date minus (2) the aggregate amount of Fraud Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 since the most recent anniversary of the Cut-off Date up to such date of determination. On and after the fifth anniversary of the Cut-off Date, the Fraud Loss Amount shall be zero. The Fraud Loss Amount may be further reduced by the Master Servicer (including accelerating the manner in which such coverage is reduced) provided that prior to any such reduction, the Master Servicer shall (i) obtain written 7 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. Fraud Losses: Realized Losses on Mortgage Loans as to which there was fraud in the origination of such Mortgage Loan. Initial Monthly Payment Fund: $11,851 representing scheduled principal amortization and interest at the Net Mortgage Rate payable during the January 2004 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-7 Certificates, $21,428,571.00. With respect to the Class A-12 Certificates, $35,120,400.00. 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: 2.35% Class B-1: 0.30% Class M-2: 1.10% Class B-2: 0.35% Class M-3: 0.70% Class B-3: 0.35% Interest Accrual Period: With respect to any Class of Certificates (other than the Adjustable Rate Certificates) and any Distribution Date, the calendar month preceding the month in which such Distribution Date occurs. The Interest Accrual Period for the Adjustable Rate 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-7, Class A-12 or Class A-V Certificates. The Interest Only Certificates will have no Certificate Principal Balance. Lockout Certificates: Any one of the Class A-13 or Class A-14 Certificates. Lockout Percentage: For any Distribution Date occurring prior to the Distribution Date in January 2009, 0%, and for any Distribution Date thereafter, as follows: 30% for any Distribution Date on or after January 2009 and prior to January 2010; 40% for any Distribution Date on or after January 2010 and prior to January 2011; 60% for any Distribution Date on or after January 2011 and prior to January 2012; 80% for any Distribution Date on or after January 2012 and prior to January 2013; and 100% for any Distribution Date thereafter. Maturity Date: December 26, 2033, the Distribution Date immediately following the latest scheduled maturity date of any Mortgage Loan. 8 Mortgage Loan Schedule: The list or lists of the Mortgage Loans attached hereto as Exhibit One (as amended from time to time to reflect the addition of Qualified Substitute Mortgage Loans), which list or lists shall set forth the following information as to each Mortgage Loan: (i) the Mortgage Loan identifying number ("RFC LOAN #"); (ii) the maturity of the Mortgage Note ("MATURITY DATE"); (iii) the Mortgage Rate ("ORIG RATE"); (iv) the Subservicer pass-through rate ("CURR NET"); (v) the Net Mortgage Rate ("NET MTG RT"); (vi) the Pool Strip Rate ("STRIP"); (vii) the initial scheduled monthly payment of principal, if any, and interest ("ORIGINAL P & I"); (viii) the Cut-off Date Principal Balance ("PRINCIPAL BAL"); (ix) the Loan-to-Value Ratio at origination ("LTV"); (x) the rate at which the Subservicing Fee accrues ("SUBSERV FEE") and at which the Servicing Fee accrues ("MSTR SERV FEE"); (xi) a code "T," "BT" or "CT" under the column "LN FEATURE," indicating that the Mortgage Loan is secured by a second or vacation residence; and (xii) a code "N" under the column "OCCP CODE," indicating that the Mortgage Loan is secured by a non-owner occupied residence. Such schedule may consist of multiple reports that collectively set forth all of the information required. Notional Amount: As of any Distribution Date, (i) with respect to the Class A-7 Certificates, an amount equal to the Certificate Principal Balance of the Class A-6 Certificates immediately prior to such date; (ii) with respect to the Class A-12 Certifcates, an amount equal to the Certificate Principal Balance of the Class A-11 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 Adjustable Rate, Class A-V 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. 9 o With respect to the Class A-6 Certificates and the initial Interest Accrual Period, 1.57% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to LIBOR plus 0.45%, subject to a maximum rate of 8.00% per annum and a minimum rate of 0. 45% per annum. o With respect to the Class A-7 Certificates and the initial Interest Accrual Period, 6.43% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 7.55% minus LIBOR, subject to a maximum rate of 7.55% per annum and a minimum rate of 0.00% per annum. o With respect to the Class A-11 Certificates and the initial Interest Accrual Period, 1.72% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to LIBOR plus 0.60%, subject to a maximum rate of 8.00% per annum and a minimum rate of 0.60% per annum. o With respect to the Class A-12 Certificates and the initial Interest Accrual Period, 6.28% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 7.40% minus LIBOR, subject to a maximum rate of 7.40% per annum and a minimum rate of 0.00% per annum. With respect to the Class A-V Certificates (other than any Subclass thereof) and any Distribution Date, a rate equal to the weighted average, expressed as a percentage, of the Pool Strip Rates of all Mortgage Loans as of the Due Date in the related Due Period, weighted on the basis of the respective Stated Principal Balances of such Mortgage Loans as of the day immediately preceding such Distribution Date (or, with respect to the initial Distribution Date, at the close of business on the Cut-off Date). With respect to the Class A-V Certificates and the initial Distribution Date the Pass-Through Rate is equal to 0.4290% 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 6.0% per annum of the then outstanding principal balance of the related Mortgage Loans in the first month of the life of such Mortgage Loans and an additional approximately 1.0909091% per annum in each month thereafter until the twelfth month, and beginning in the twelfth month and in each month thereafter during the life of the Mortgage Loans, a constant prepayment rate of 18.0% per annum. 10 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 January 2009 (unless the Certificate Principal Balances of the Senior Certificates (other than the Class A-P Certificates) have been reduced to zero), 0%. (ii) For any Distribution Date not discussed in clause (i) above on which any Class of Subordinate Certificates are outstanding: (a) in the case of the Class of Subordinate Certificates then outstanding with the Highest Priority and each other Class of Subordinate Certificates for which the related Prepayment Distribution Trigger has been satisfied, a fraction, expressed as a percentage, the numerator of which is the Certificate Principal Balance of such Class immediately prior to such date and the denominator of which is the sum of the Certificate Principal Balances immediately prior to such date of (1) the Class of Subordinate Certificates then outstanding with the Highest Priority and (2) all other Classes of Subordinate Certificates for which the respective Prepayment Distribution Triggers have been satisfied; and (b) in the case of each other Class of Subordinate Certificates for which the Prepayment Distribution Triggers have not been satisfied, 0%; and (iii)Notwithstanding the foregoing, if the application of the foregoing percentages on any Distribution Date as provided in Section 4.02 of this Series Supplement (determined without regard to the proviso to the definition of "Subordinate Principal Distribution Amount") would result in a distribution in respect of principal of any Class or Classes of Subordinate Certificates in an amount greater than the remaining Certificate Principal Balance thereof (any such class, a "Maturing Class"), then: (a) the Prepayment Distribution Percentage of each Maturing Class shall be reduced to a level that, when applied as described above, would exactly reduce the Certificate Principal Balance of such Class to zero; (b) the Prepayment Distribution Percentage of each other Class of Subordinate Certificates (any such Class, a "Non-Maturing Class") shall be recalculated in accordance with the provisions in paragraph (ii) above, as if the Certificate Principal Balance of each Maturing Class had been reduced to zero (such percentage as recalculated, the "Recalculated Percentage"); (c) the total amount of the reductions in the Prepayment Distribution Percentages of the Maturing Class or Classes pursuant to clause (a) of this sentence, expressed as an aggregate percentage, shall be allocated among the Non-Maturing Classes in proportion to their respective Recalculated Percentages (the portion of such aggregate 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, 11 calculated in accordance with the provisions in paragraph (ii) above as if the Certificate Principal Balance of each Maturing Class had not been reduced to zero, plus (2) the related Adjustment Percentage. Principal Only Certificates: Any one of the Class A-P Certificates. ---------------------------- Record Date: With respect to each Distribution Date and each Class of Certificates (other than the Adjustable Rate Certificates that are Book-Entry Certificates), the close of business on the last Business Day of the month preceding the month in which the related Distribution Date occurs. With respect to each Distribution Date and the Adjustable Rate Certificates (so long as they are Book-Entry Certificates), the close of business on the Business Day prior to such Distribution Date. Related Classes: As to any Uncertificated REMIC I Regular Interest, those classes of Certificates identified as "Related Classes of Certificates" to such Uncertificated REMIC I Regular Interest in the definition of Uncertificated REMIC I Regular Interest. REMIC I: The segregated pool of assets, with respect to which a REMIC election is to be made, consisting of: (i) the Mortgage Loans and the related Mortgage Files, (ii) all payments and collections in respect of the Mortgage Loans due after the Cut-off Date (other than Monthly Payments due in the month of the Cut-off Date) as shall be on deposit in the Custodial Account or in the Certificate Account and identified as belonging to the Trust Fund, including the proceeds from the liquidation of Additional Collateral for any Additional Collateral Loan, but not including amounts on deposit in the Initial Monthly Payment Fund, (iii) property which secured a Mortgage Loan and which has been acquired for the benefit of the Certificateholders by foreclosure or deed in lieu of foreclosure, (iv) the hazard insurance policies and Primary Insurance Policies, if any, the Pledged Assets with respect to each Pledged Asset Mortgage Loan, and the interest in the Surety Bond transferred to the Trustee pursuant to Section 2.01 herein, and (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). 12 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: With respect to any Distribution Date, the lesser of (a) the balance of the Available Distribution Amount remaining after the distribution of all amounts required to be distributed therefrom pursuant to Section 4.02(a)(i), Section 4.02(a)(ii)(X) (excluding any amount distributable pursuant to clause (E) of the definition of "Class A-P Principal Distribution Amount"), 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. Senior Support Certificates: The Class A-14 Certificates. --------------------------- Special Hazard Amount: As of any Distribution Date, an amount equal to $3,728,946 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 29.98% (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. 13 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 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. Super Senior Certificates: The Class A-13 Certificates. ------------------------- Super Senior Optimal Percentage: As of any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the Certificate Principal Balance of the Super Senior Certificates immediately prior to such 14 Distribution Date and the denominator 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. Super Senior Optimal Principal Distribution Amount: As of any Distribution Date on or after the Credit Support Depletion Date, the product of (a) the then-applicable Super Senior Optimal Percentage and (b) the amounts described in clause (b) of the Senior Principal Distribution 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 (excluding any Interest Only Certificates) if the Pass-Through Rate on such Classes were equal to the Uncertificated Pass-Through Rate on such Uncertificated REMIC I Regular Interest, (ii) as to each Uncertificated REMIC I Regular Interest Z and each Uncertificated REMIC II Regular Interest Z, an amount equal to one month's interest at the Pool Strip Rate of the related Mortgage Loan on the principal balance of such Mortgage Loan reduced by such Interest's pro-rata share of any prepayment interest shortfalls or other reductions of interest allocable to the Class A-V Certificates. Uncertificated Pass-Through Rate: With respect to each of the Uncertificated REMIC I Regular Interests, other than the Uncertificated REMIC I Regular Interests Z, the per annum rate specified in the definition of Uncertificated REMIC I Regular Interests. With respect to each Uncertificated REMIC I Regular Interest Z and each Uncertificated REMIC II Regular Interest Z, the Pool Strip Rate for the related Mortgage Loan. Uncertificated Principal Balance: With respect to each Uncertificated REMIC I Regular Interest, as defined in the definition of Uncertificated REMIC I Regular Interest. Uncertificated REMIC I Regular Interests: The Uncertificated REMIC I Regular Interests Z together with the interests identified in the table below, each representing an undivided beneficial ownership interest in REMIC I, and having the following characteristics: 1. The principal balance from time to time of each Uncertificated REMIC I Regular Interest identified in the table below shall be the amount identified as the Initial Principal Balance thereof in such table, minus the sum of (x) the aggregate of all amounts previously deemed distributed with respect to such interest and applied to reduce the Uncertificated Principal Balance thereof pursuant to Section 10.04(a)(ii) and (y) the aggregate of all reductions in Certificate Principal Balance deemed to have occurred in connection with Realized Losses that were previously deemed allocated to the Uncertificated Principal Balance of such Uncertificated REMIC I Regular Interest pursuant to Section 10.04(d), which equals the aggregate principal balance of the Classes of Certificates identified as related to such Uncertificated REMIC I Regular Interest in such table. 15 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 ----------------------- --------------------------------- ------------------ -------------------- ----------------------- --------------------------------- ------------------ -------------------- R Class A-1, Class A-2 6.00% $ 56,616,720.00 ----------------------- --------------------------------- ------------------ -------------------- ----------------------- --------------------------------- ------------------ -------------------- S Class A-3, Class A-4, Class 5.375% $ 154,978,309.00 A-8, Class A-9, Class A-10 ----------------------- --------------------------------- ------------------ -------------------- ----------------------- --------------------------------- ------------------ -------------------- T Class A-5 4.25% $ 50,000,000.00 ----------------------- --------------------------------- ------------------ -------------------- ----------------------- --------------------------------- ------------------ -------------------- U Class A-6, Class A-7 8.00% $ 21,428,571.00 ----------------------- --------------------------------- ------------------ -------------------- ----------------------- --------------------------------- ------------------ -------------------- V Class A-11, Class A-12 8.00% $ 35,120,400.00 ----------------------- --------------------------------- ------------------ -------------------- ----------------------- --------------------------------- ------------------ -------------------- W Class A-13, Class A-14 5.50% $ 154,978,309.00 ----------------------- --------------------------------- ------------------ -------------------- ----------------------- --------------------------------- ------------------ -------------------- X Class A-P 0.00% $ 2,485,496.21 ----------------------- --------------------------------- ------------------ -------------------- ----------------------- --------------------------------- ------------------ -------------------- Y Class R-II, Class M-1, Class 5.75% $ 19,205,112.51 M-2, Class M-3, Class B-1, Class B-2, Class B-3 ----------------------- --------------------------------- ------------------ --------------------
Uncertificated REMIC I Regular Interests Z: Each of the 2,112 uncertificated partial undivided beneficial ownership interests in the Trust Fund, numbered sequentially from 1 to 2112, each relating to the particular Mortgage Loan identified by such sequential number on the Mortgage Loan Schedule, each having no principal balance, and each bearing interest at the respective Pool Strip Rate on the Stated Principal Balance of the related Mortgage Loan. Uncertificated REMIC I Regular Interests Z Distribution Amount: With respect to any Distribution Date, the sum of the amounts deemed to be distributed on the Uncertificated REMIC I Regular Interests Z for such Distribution Date pursuant to Section 10.04(a). Uncertificated REMIC I Regular Interest Distribution Amounts: With respect to each Uncertificated REMIC I Regular Interest, other than the Uncertificated REMIC I Regular Interests Z, the amount specified as the Uncertificated REMIC I Regular Interest Distribution Amount with respect thereto in the definition of Uncertificated REMIC I Regular Interests. With respect to the Uncertificated REMIC I Regular Interests Z, the Uncertificated REMIC I Regular Interests Z Distribution Amount. Uncertificated REMIC II Regular Interests Z: Each of the 2,112 uncertificated partial undivided beneficial ownership interests in REMIC II numbered sequentially from 1 through 2,112 each relating to the identically numbered Uncertificated REMIC I Regular Interests Z, each having no principal 16 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 Section 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). Underwriters: Bear, Stearns & Co. Inc. and UBS Securities LLC. ------------ Section 1.02. Use of Words and Phrases. ------------------------ "Herein," "hereby," "hereunder," "hereof," "hereinbefore," "hereinafter" and other equivalent words refer to the Pooling and Servicing Agreement as a whole. All references herein to Articles, Sections or Subsections shall mean the corresponding Articles, Sections and Subsections in the Pooling and Servicing Agreement. The definitions set forth herein include both the singular and the plural. Section 1.03. Determination of LIBOR. ---------------------- LIBOR applicable to the calculation of the Pass-Through Rates on the Adjustable Rate Certificates for any Interest Accrual Period (other than the initial Interest Accrual Period) will be determined as described below: On each Distribution Date, LIBOR shall be established by the Trustee and, as to any Interest Accrual Period, will equal the rate for one month United States dollar deposits that appears on the Telerate Screen Page 3750 of the Moneyline Telerate Capital Markets Report as of 11:00 a.m., London time, on the second LIBOR Business Day prior to the first day of such Interest Accrual Period ("LIBOR Rate Adjustment Date"). "Telerate Screen Page 3750" means the display designated as page 3750 on the Telerate Service (or such other page as may replace page 3750 on that service for the purpose of displaying London interbank offered rates of major banks). If such rate does not appear on such page (or such other page as may replace that page on that service, or if such service is no longer offered, any other service for displaying LIBOR or comparable rates as may be selected by the Trustee after consultation with the Master Servicer), the rate will be the Reference Bank Rate. The "Reference Bank Rate" will be determined on the basis of the rates at which deposits in U.S. Dollars are offered by the reference banks (which shall be any three major banks that are engaged in transactions in the London interbank market, selected by the Trustee after consultation with the Master Servicer) as of 11:00 a.m., London time, on the day that is one LIBOR Business Day prior to the immediately preceding Distribution Date to prime banks in the London interbank market for a period of one month in amounts approximately equal to the aggregate Certificate Principal Balance of the Adjustable Rate Certificates then outstanding. The Trustee will request the principal London office of each of the reference banks to provide a quotation of its rate. If at least two such quotations are provided, the rate will be the arithmetic mean of the quotations rounded up to the next multiple of 1/16%. If on such date fewer than two quotations are provided as requested, the rate will be the arithmetic mean of the rates quoted by one or more major banks in New York City, selected by the Trustee after consultation with the Master Servicer, as of 11:00 a.m., New York City time, on such date for loans in U.S. Dollars to leading European banks for a period of one month in amounts approximately equal to the aggregate Certificate Principal Balance of the Adjustable Rate Certificates then outstanding. If no such quotations can be 17 obtained, the rate will be LIBOR for the prior Distribution Date, or, in the case of the first LIBOR Rate Adjustment Date, 1.12% 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 Adjustable Rate 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 Adjustable Rate 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. 18 ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES Section 2.01. Conveyance of Mortgage Loans. (See Section 2.01 of the Standard Terms) Section 2.02. Acceptance by Trustee. (See Section 2.02 of the Standard Terms) Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Company. (a) For representations, warranties and covenants of the Master Servicer, see Section 2.03(a) of the Standard Terms. (b) The Company hereby represents and warrants to the Trustee for the benefit of Certificateholders that as of the Closing Date (or, if otherwise specified below, as of the date so specified): (i) No Mortgage Loan is 30 or more days Delinquent in payment of principal and interest as of the Cut-off Date and no Mortgage Loan has been so Delinquent more than once in the 12-month period prior to the Cut-off Date; (ii) The information set forth in Exhibit One hereto with respect to each Mortgage Loan or the Mortgage Loans, as the case may be, is true and correct in all material respects at the date or dates respecting which such information is furnished; (iii) The Mortgage Loans are fully-amortizing, fixed-rate mortgage loans with level Monthly Payments due, with respect to a majority of the Mortgage Loans, on the first day of each month and terms to maturity at origination or modification of not more than 30 years; (iv) To the best of the Company's knowledge, except with respect to seven Mortgage Loans representing approximately 0.2% of the principal balance of the Mortgage Loans at origination, if a Mortgage Loan is secured by a Mortgaged Property with a Loan-to-Value Ratio at origination in excess of 80%, such Mortgage Loan is the subject of a Primary Insurance Policy that insures (a) at least 35% of the Stated Principal Balance of the Mortgage Loan at origination if the Loan-to-Value Ratio is between 100.00% and 95.01%, (b) at least 30% of the Stated Principal Balance of the Mortgage Loan at origination if the Loan-to-Value Ratio is between 95.00% and 90.01%, (c) at least 25% of such balance if the Loan-to-Value Ratio is between 90.00% and 85.01% and (d) at least 12% of such balance if the Loan-to-Value Ratio is between 85.00% and 80.01%. To the best of the Company's knowledge, each such Primary Insurance Policy is in full force and effect and the Trustee is entitled to the benefits thereunder; (v) The issuers of the Primary Insurance Policies are insurance companies whose claims-paying abilities are currently acceptable to each Rating Agency; 19 (vi) No more than 0.5% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date are secured by Mortgaged Properties located in any one zip code area in California and no more than 0.4% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date are secured by Mortgaged Properties located in any one zip code area outside California; (vii) The improvements upon the Mortgaged Properties are insured against loss by fire and other hazards as required by the Program Guide, including flood insurance if required under the National Flood Insurance Act of 1968, as amended. The Mortgage requires the Mortgagor to maintain such casualty insurance at the Mortgagor's expense, and on the Mortgagor's failure to do so, authorizes the holder of the Mortgage to obtain and maintain such insurance at the Mortgagor's expense and to seek reimbursement therefor from the Mortgagor; (viii) Immediately prior to the assignment of the Mortgage Loans to the Trustee, the Company had good title to, and was the sole owner of, each Mortgage Loan free and clear of any pledge, lien, encumbrance or security interest (other than rights to servicing and related compensation) and such assignment validly transfers ownership of the Mortgage Loans to the Trustee free and clear of any pledge, lien, encumbrance or security interest; (ix) Approximately 55.80% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a reduced loan documentation program, approximately 10.39% 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 3.18% 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 37.11% 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); 20 (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 21 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 22 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 23 the representation and warranty in clause (k) of Section 4 thereof 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. 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. 24 Section 2.08. Purposes and Powers of the Trust. (See Section 2.08 of the Standard Terms). 25 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 26 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 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; 27 (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) 28 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) 29 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 the Master Servicer on behalf of the Trustee (or 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, 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); provided however that after the Credit Support Depletion Date, the Accrued Certificate Interest for the Senior Support Certificates shall be distributed to the Super Senior Certificates and the Senior Support Certificates in accordance with Section 4.02(c)); and (ii) (X) to the Class A-P Certificates, the Class A-P Principal Distribution Amount (applied to reduce the Certificate Principal Balance of such Senior Certificates); (Y) to the Senior Certificates (other than the Class A-P Certificates and the Class A-V 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: 30 (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 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)) 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)) 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 clause (C) of the definition of Class A-P Principal Distribution Amount); 31 (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; 32 (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; 33 (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. 34 (b) Distributions of principal on the Senior Certificates on each Distribution Date will be made as follows: (i) first, an amount equal Class A-P Principal Distribution Amount shall be distributed to the Class A-P Certificates, until the Certificate Principal Balance thereof has been reduced to zero; (ii) second, the Senior Principal Distribution Amount shall be distributed in the following manner and priority: (A) first, concurrently to the Class R-I Certificates and 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; (B) second, the Senior Principal Distribution Amount remaining shall be distributed concurrently, as follows: (1) 10.00000000000% of the amount described in Section 4.02(b)(ii)(B) to the Class A-11 Certificates, until the Certificate Principal Balance of the Class A-11 Certificates has been reduced to zero; and (2) 90.00000000000% of the amount described in Section 4.02(b)(ii)(B) in the following manner and priority: (a) first, concurrently to the Lockout Certificates, on a pro rata basis in accordance with their respective Certificate Principal Balances, until the Certificate Principal Balance of each class of Lockout Certificates has been reduced to zero, an amount equal to the Lockout Percentage of the Lockout Certificates' pro rata share (based on the Certificate Principal Balance thereof relative to the aggregate Certificate Principal Balance of all classes of Certificates (other than the Class A-P Certificates)) of the aggregate of the collections described in clauses (A), (B), (C), (D) and (E) (net of amounts set forth in clause (F)) of Section 4.02(a)(ii)(Y), without application of the Senior Percentage or the Senior Accelerated Distribution Percentage; provided, however, that if the aggregate of the amounts set forth in clauses (A), (B), (C), (D) and (E) (net of amounts set forth in clause (F)) of Section 4.02(a)(ii)(Y) is more than the balance of the Available Distribution Amount remaining after the Senior Interest Distribution Amount and the Class A-P Principal Distribution Amount have been distributed, the amount paid to the Lockout Certificates pursuant to this clause shall be reduced by an amount equal to the Lockout Certificates' pro rata share (based on the Certificate Principal Balance of the Lockout Certificates relative to the aggregate Certificate Principal Balance of the Senior Certificates (other than the Class A-P Certificates)) of such difference; (b) second, any remaining amount shall be distributed concurrently as follows: 35 (i) 20.00000000000% of the amount described in Section 4.02(b)(ii)(B)(2)(b) sequentially to the Class A-1 Certificates and the Class A-2 Certificates, in that order, until the Certificate Principal Balances of the Class A-1 Certificates and the Class A-2 Certificates have been reduced to zero; (ii) 40.27467504299% of the amount described in Section 4.02(b)(ii)(B)(2)(b) in the following manner and priority: (A) first, to the Class A-5 Certificates and the Class A-6 Certificates, on a pro rata basis in accordance with their respective Certificate Principal Balances, an amount necessary to reduce the aggregate Certificate Principal Balance of the Class A-5 Certificates and Class A-6 Certificates to the Aggregate Planned Principal Balance for that Distribution Date; (B) second, any remaining amount sequentially to the Class A-8 Certificates and Class A-9 Certificates, in that order, an amount necessary to reduce the aggregate Certificate Principal Balance of the Class A-8 Certificates and Class A-9 Certificates to the Aggregate Targeted Principal Balance for that distribution date; (C) third, any remaining amount to the Class A-10 Certificates, until the Certificate Principal Balance of the Class A-10 Certificates has been reduced to zero; (D) fourth, any remaining amount, sequentially, to the Class A-8 Certificates and Class A-9 Certificates, in that order and without regard to the Aggregate Targeted Principal Balance, until the aggregate Certificate Principal Balance of the Class A-8 Certificates and Class A-9 Certificates has been reduced to zero; and (E) fifth, any remaining amount to the Class A-5 Certificates and the Class A-6 Certificates, without regard to the Aggregate Planned Principal Balance, on a pro rata basis in accordance with their respective Certificate Principal Balances, until the aggregate Certificate Principal Balance of the Class A-5 Certificates and Class A-6 Certificates has been reduced to zero; and (iii) 39.72532495701% of the amount described in Section 4.02(b)(ii)(B)(2)(b) sequentially to the Class A-3 Certificates and the Class A-4 Certificates, in that order, until the Certificate Principal Balances of the Class A-3 Certificates and the Class A-4 Certificates has been reduced to zero; and (c) third, any remaining amount to the Class A-13 Certificates and the Class A-14 Certificates, on a pro rata basis in accordance with their respective Certificate Principal Balances, until the Certificate Principal Balances of the Class A-13 Certificates and the Class A-14 Certificates have been reduced to zero. 36 (c) Notwithstanding Section 4.02(b)(ii), on or after the Credit Support Depletion Date, the Senior Principal Distribution Amount will be distributed to the remaining Senior Certificates (other than the Class A-P Certificates and the Class A-V Certificates) pro rata in accordance with their respective outstanding Certificate Principal Balances; provided, however, that until reduction of the Certificate Principal Balance of the Senior Support Certificates to zero, the aggregate amount distributable to the Super Senior Certificates and Senior Support Certificates in respect of the aggregate Accrued Certificate Interest thereon and in respect of their aggregate pro rata portion of the Senior Principal Distribution Amount will be distributed among such Senior Certificates in the following priority: first, to the Super Senior Certificates, up to an amount equal to the Accrued Certificate Interest on the Super Senior Certificates; second, to the Super Senior Certificates, up to an amount equal to the Super Senior Optimal Principal Distribution Amount, in reduction of the Certificate Principal Balance thereof, until the Certificate Principal Balance thereof has been reduced to zero; third, to the Senior Support Certificates, up to an amount equal to the Accrued Certificate Interest thereon; and fourth, to the Senior Support Certificates, the remainder, until the Certificate Principal Balance thereof has been reduced to zero. (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. 37 (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 amount equal to the Discount Fraction of the principal portion thereof, and the 38 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; provided, however, that after the Credit Support Depletion Date, Realized Losses otherwise allocable to the Super Senior Certificates will be allocated to the Senior Support Certificates until the Certificate Principal Balance of the Senior Support Certificates has been reduced to zero. 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 such Realized Losses on Discount Mortgage Loans and the entire principal and interest portion of such Realized Losses on Non-Discount Mortgage Loans will be allocated among the Senior Certificates (other than the Class A-P Certificates) and the Subordinate Certificates, on a pro rata basis, as described below; provided, however, that such Realized Losses otherwise allocable to the Super Senior Certificates will be allocated to the Senior Support Certificates until the Certificate Principal Balance of the Senior Support Certificates is reduced to zero. 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 39 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) 40 ARTICLE V THE CERTIFICATES Section 5.01. The Certificates. (a) (See Section 5.01(a) of the Standard Terms) (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 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. In addition, if an Event of Default has occurred and is continuing, each Certificate Owner materially adversely affected thereby may at its option request a Definitive Certificate evidencing such Certificate Owner's Percentage Interest in the related Class of Certificates. In order to make such request, such Certificate Owner shall, subject to the rules and procedures of the Depository, provide the Depository or the related Depository Participant with directions for the Certificate Registrar to exchange or cause the exchange of the Certificate Owner's interest in such Class of Certificates for an 41 equivalent Percentage Interest in fully registered definitive form. Upon receipt by the Certificate Registrar of instructions from the Depository directing the Certificate Registrar to effect such exchange (such instructions shall contain information regarding the Class of Certificates and the Certificate Principal Balance being exchanged, the Depository Participant account to be debited with the decrease, the registered holder of and delivery instructions for the Definitive Certificate, and any other information reasonably required by the Certificate Registrar), (i) the Certificate Registrar shall instruct the Depository to reduce the related Depository Participant's account by the aggregate Certificate Principal Balance of the Definitive Certificate, (ii) the Trustee shall execute and the Certificate Registrar shall authenticate and deliver, in accordance with the registration and delivery instructions provided by the Depository, a Definitive Certificate evidencing such Certificate Owner's Percentage Interest in such Class of Certificates and (iii) the Trustee shall execute and the Certificate Registrar shall authenticate a new Book-Entry Certificate reflecting the reduction in the aggregate Certificate Principal Balance of such Class of Certificates by the amount of 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 any instructions required under Section 5.01 and may conclusively rely on, and shall be protected in relying on, such instructions. Upon the issuance of Definitive Certificates, the Trustee and the Master Servicer shall recognize the Holders of the Definitive Certificates as Certificateholders hereunder. (c) (See Section 5.01(c) of the Standard Terms) Section 5.02. Registration of Transfer and Exchange of Certificates. (See Section 5.02 of the Standard Terms) Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates. (See Section 5.03 of the Standard Terms) Section 5.04. Persons Deemed Owners. (See Section 5.04 of the Standard Terms) Section 5.05. Appointment of Paying Agent. (See Section 5.05 of the Standard Terms) 42 ARTICLE VI THE COMPANY AND THE MASTER SERVICER (SEE ARTICLE VI OF THE STANDARD TERMS) 43 ARTICLE VII DEFAULT (SEE ARTICLE VII OF THE STANDARD TERMS) 44 ARTICLE VIII CONCERNING THE TRUSTEE (SEE ARTICLE VIII OF THE STANDARD TERMS) 45 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. 46 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) 47 ARTICLE X REMIC PROVISIONS Section 10.01. REMIC Administration. (See Section 10.01 of the Standard Terms) Section 10.02. Master Servicer; REMIC Administrator and Trustee Indemnification. (See Section 10.02 of the Standard Terms) Section 10.03. Designation of REMICs. The REMIC Administrator will make an election to treat the entire segregated pool of assets described in the definition of Trust Fund, and subject to this Agreement (including the Mortgage Loans) as a REMIC ("REMIC I") and will make an election to treat the pool of assets comprised of the Uncertificated REMIC I Regular Interests as a REMIC ("REMIC II") for federal income tax purposes. The Uncertificated REMIC I Regular Interests will be "regular interests" in REMIC I and the Class R-I Certificates will be the sole class of "residual interests" in REMIC I for purposes of the REMIC Provisions (as defined herein) under the federal income tax law. The Class A-1, Class A-2, Class A-3, Class A-4, Class A-5, Class A-6, Class A-7, Class A-8, Class A-9, Class A-10, Class A-11, Class A-12, Class A-13, Class A-14, Class A-P, Class M-1, Class M-2, Class M-3, Class B-1, Class B-2 and Class B-3 Certificates and the Uncertificated REMIC II Regular Interests Z, the rights in and to which will be represented by the Class A-V Certificates, will be "regular interests" in REMIC II, and the Class R-II Certificates will be the sole class of "residual interests" therein for purposes of the REMIC Provisions (as defined herein) under federal income tax law. On and after the date of issuance of any Subclass of Class A-V Certificates pursuant to Section 5.01(c), any such Subclass will represent the Uncertificated REMIC II Regular Interest or Interests Z specified by the initial Holder of the Class A-V Certificates pursuant to said Section. Section 10.04. Distributions on the Uncertificated REMIC I and REMIC II Regular Interests. (a)On each Distribution Date the Trustee shall be deemed to distribute to itself, as the holder of the Uncertificated REMIC I Regular Interests, the Uncertificated REMIC I Regular Interest Distribution Amounts in the following order of priority to the extent of the Available Distribution Amount reduced by distributions made to the Class R-I Certificates pursuant to Section 4.02(a): (i) Uncertificated Accrued Interest on the Uncertificated REMIC I Regular Interests for such Distribution Date, plus any Uncertificated Accrued Interest thereon remaining unpaid from any previous Distribution Date; and (ii) In accordance with the priority set forth in Section 10.04(b), an amount equal to the sum of the amounts in respect of 48 principal distributable on each Class of Certificates (other than the Class R-I Certificates) under Section 4.02(a), as allocated thereto pursuant to Section 4.02(b). (b)The amount described in Section 10.04(a)(ii) shall be deemed distributed to (i) Uncertificated REMIC I Regular Interest R, (ii) Uncertificated REMIC I Regular Interest S, (iii) Uncertificated REMIC I Regular Interest T, (iv) Uncertificated REMIC I Regular Interest U, (v) Uncertificated REMIC I Regular Interest V, (vi) Uncertificated REMIC I Regular Interest W, (vii) Uncertificated REMIC I Regular Interest X and (viii) Uncertificated REMIC I Regular Interest Y with the amount to be distributed allocated among such interests in accordance with the priority assigned to each Related Class of Certificates (other than the Class R-I Certificates), respectively, under Section 4.02(b) until the Uncertificated Principal Balance of each such interest is reduced to zero. (c)The portion of the Uncertificated REMIC I Regular Interest Distribution Amounts described in Section 10.04(a)(ii) shall be deemed distributed by REMIC I to REMIC II in accordance with the priority assigned to the REMIC II Certificates relative to that assigned to the REMIC I Certificates under Section 4.02(b). (d)In determining from time to time the Uncertificated REMIC I Regular Interest Distribution Amounts and Uncertificated REMIC II Regular Interest Distribution Amounts: (i) Realized Losses allocated to the Class A-V Certificates under Section 4.05 shall be deemed allocated to the Uncertificated REMIC II Regular Interests Z pro-rata according to the respective amounts of Uncertificated Accrued Interest that would have accrued on such Uncertificated REMIC II Regular Interests Z for the Distribution Date for which such allocation is being made in the absence of such allocation; (ii) Realized Losses allocated to the Class A-1 Certificates and the Class A-2 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest R; (iii) Realized Losses allocated to the Class A-3, Class A-4, Class A-8, Class A-9 and Class A-10 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest S; (iv) Realized Losses allocated to the Class A-5 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest T; (v) Realized Losses allocated to the Class A-6 Certificates and Class A-7 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest U; (v) Realized Losses allocated to the Class A-11 Certificates and Class A-12 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest V; 49 (vi) Realized Losses allocated to the Class A-13 Certificates and Class A-14 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest W; (vii) Realized Losses allocated to the Class A-P Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest X; (viii) Realized Losses allocated to the Class M-1, Class M-2, Class M-3, Class B-1, Class B-2, Class B-3 and Class R-II Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest Y; and (ix) Realized Losses allocated to the Uncertificated REMIC II Regular Interests Z under clause (i), above, shall be deemed allocated, in each case, to the related Uncertificated REMIC I Regular Interest Z. (e)On each Distribution Date the Trustee shall be deemed to distribute from REMIC II, in the priority set forth in Sections 4.02(a) and (b), to the Holders of each Class of Certificates (other than the Class R-I Certificates) the amounts distributable thereon from the Uncertificated REMIC I Regular Interest Distribution Amounts deemed to have been received by REMIC II from REMIC I under this Section 10.04. The amounts deemed distributed hereunder with respect to the Class A-V Certificates shall be deemed to have been distributed in respect of the Uncertificated REMIC II Regular Interests Z in accordance with their respective Uncertificated REMIC II Regular Interest Distribution Amounts, as such Uncertificated REMIC II Regular Interests Z comprise the Class A-V Certificates. (f)Notwithstanding the deemed distributions on the Uncertificated REMIC I Regular Interests described in this Section 10.04, distributions of funds from the Certificate Account shall be made only in accordance with Section 4.02. Section 10.05. Compliance with Withholding Requirements. Notwithstanding any other provision of this Agreement, the Trustee or any Paying Agent, as applicable, shall comply with all federal withholding requirements respecting payments to Certificateholders, including interest or original issue discount payments or advances thereof that the Trustee or any Paying Agent, as applicable, reasonably believes are applicable under the Code. The consent of Certificateholders shall not be required for such withholding. In the event the Trustee or any Paying Agent, as applicable, does withhold any amount from interest or original issue discount payments or advances thereof to any Certificateholder pursuant to federal withholding requirements, the Trustee or any Paying Agent, as applicable, shall indicate the amount withheld to such Certificateholder pursuant to the terms of such requirements. 50 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-QS22 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 ------------------------------ ----------------------------------------------- ------------------------------ ----------------------------------------------- Fitch Ratings One State Street Plaza New York, New York 10004 ------------------------------ ----------------------------------------------- ------------------------------ ----------------------------------------------- Standard & Poor's Ratings 55 Water Street Services, a division of The 41st Floor McGraw-Hill Companies, Inc. New York, New York 10041 ------------------------------ ----------------------------------------------- 51 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. 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% 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% of all Voting Rights shall be allocated among the Holders of the Class A-7 Certificates, in accordance with their respective Percentage Interests; 1% of all Voting Rights shall be allocated among the Holders of the Class A-12 Certificates, in accordance with their respective Percentage Interests; 1% of all Voting Rights shall be allocated among the Holders of the Class A-V Certificates, in accordance with their respective Percentage Interests; 0.5% of all Voting Rights shall be allocated among the Holders of the Class R-I Certificates, in accordance with their respective Percentage Interests; and 0.5% of all Voting Rights shall be allocated among the Holders of the Class R-II Certificates, in accordance with their respective Percentage Interests. Section 11.10. No Petition. The Depositor, Master Servicer and the Trustee, by entering into this Agreement, and each Certificateholder, by accepting a Certificate, hereby covenant and agree that they will not at any time institute against the Trust Fund, or join in any institution against the Trust Fund of, any bankruptcy proceedings under any United States federal or state bankruptcy or similar law in connection with any obligation with respect to the Certificates or this Agreement. 52 IN WITNESS WHEREOF, the Company, the Master Servicer and the Trustee have caused their names to be signed hereto by their respective officers thereunto duly authorized and their respective seals, duly attested, to be hereunto affixed, all as of the day and year first above written. RESIDENTIAL ACCREDIT LOANS, INC. [Seal] By: /s/ Joseph Orning -------------------------------- Name: Joseph Orning Title: Vice President Attest: _/s/ Michael Mead_____ Name: Michael Mead Title: Vice President RESIDENTIAL FUNDING CORPORATION [Seal] By: /s/ Michael Mead -------------------------------- Name: Michael Mead Title: Associate Attest:_/s/ Joseph Orning_____ Name: Joseph Orning Title: Associate DEUTSCHE BANK TRUST COMPANY AMERICAS, as Trustee [Seal] By: /s/ Ronaldo Reyes --------------------------------- Name: Ronaldo Reyes Title: Assistant Vice President By: /s/ Jeremy Conyers --------------------------------- Name: Jeremy Conyers Title: Associate Attest:_/s/ Alan Sueda_________ Name: Alan Sueda Title: Associate 53 STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 30th day of December, 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] 54 STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 30th day of December, 2003 before me, a notary public in and for said State, personally appeared Michael Mead, 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] 55 STATE OF CALIFORNIA ) ) ss.: COUNTY OF ORANGE ) On the 30th day of December, 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 Wayne Hoyler Notary Public [Notarial Seal] 56 STATE OF CALIFORNIA ) ) ss.: COUNTY OF ORANGE ) On the 30th day of December, 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 Wayne Hoyler Notary Public [Notarial Seal] EXHIBIT ONE MORTGAGE LOAN SCHEDULE RUN ON : 12/22/03 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 06.53.17 FIXED PASSTHRU REPORT AMORTIZED BALANCE SERIES : RALI 2003-QS22 CUTOFF : 12/01/03 POOL : 0004776 : : 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 ------------------------------------------------------------------------ 5252633 .2500 164,487.01 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 5.7500 1.4200 8381250 .2500 422,812.13 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8386898 .2500 293,359.80 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8386922 .2500 198,306.35 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8387214 .2500 91,408.21 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8393440 .2500 348,319.96 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 1 8399858 .2500 362,107.23 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8399898 .2500 605,884.64 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8426592 .2500 373,225.27 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8428866 .2500 211,730.16 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8431414 .2500 59,628.43 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8431566 .2500 103,081.20 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8457343 .2500 190,198.67 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8457453 .2500 111,254.88 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 5.7500 1.4200 1 8459393 .2500 120,260.28 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8459749 .2500 187,511.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8459970 .2500 473,549.60 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8460375 .2500 69,180.49 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 8460413 .2500 181,894.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8462118 .2500 278,849.68 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8472478 .2500 113,531.68 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8474942 .2500 95,118.36 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 1 8491545 .2500 160,596.98 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8491651 .2500 110,855.55 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8503866 .2500 188,196.91 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8504118 .2500 58,092.18 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8504430 .2500 188,795.42 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8509548 .2500 163,874.94 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8535546 .2500 190,376.59 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8543918 .2500 40,263.50 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 1 8550928 .2500 67,036.35 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 8551212 .2500 106,116.83 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8552065 .2500 66,655.34 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8564806 .2500 119,057.21 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8579536 .2500 295,173.17 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8610210 .2500 146,424.09 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 8639146 .2500 146,716.90 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8640503 .2500 197,582.44 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 1 8649521 .2500 146,855.89 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8662338 .2500 259,461.24 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8667054 .2500 217,245.99 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8668732 .2500 76,873.39 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 8670234 .2500 23,337.70 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8670786 .2500 117,648.12 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 8676128 .2500 47,623.47 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 5.7500 1.0450 8676130 .2500 78,087.59 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 5.7500 1.1700 1 8676136 .2500 66,059.36 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8676138 .2500 82,191.13 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8676150 .2500 630,223.97 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8676186 .2500 170,732.39 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 5.7500 1.1700 8676244 .2500 90,785.71 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 5.7500 1.1700 8676254 .2500 279,572.55 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 5.7500 1.2950 8676258 .2500 159,632.47 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 5.7500 1.2950 8676290 .2500 83,544.54 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 1 8676312 .2500 50,750.81 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 8676318 .2500 49,393.95 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 8676374 .2500 358,446.11 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8676442 .2500 166,239.43 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 5.7500 1.1700 8676454 .2500 184,497.19 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8676470 .2500 218,159.04 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 8676632 .2500 53,882.01 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 5.7500 1.5450 8676738 .2500 349,816.83 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 1 8679838 .2500 141,976.53 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 5.7500 1.0450 8680428 .2500 212,533.08 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 5.7500 1.4200 8683181 .2500 50,078.06 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8686414 .2500 368,101.24 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8688140 .2500 127,891.73 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8692218 .2500 118,549.91 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8693686 .2500 164,322.13 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8696602 .2500 240,373.25 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 5.7500 1.1700 1 8704855 .2500 342,727.19 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8704957 .2500 309,010.71 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8705141 .2500 357,221.96 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8705151 .2500 305,425.36 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8705451 .2500 452,002.62 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8705997 .2500 76,510.96 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8706235 .2500 620,980.07 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8716706 .2500 144,678.80 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 5.7500 1.2950 1 8721631 .2500 68,674.84 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8732774 .2500 498,953.42 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8732778 .2500 372,727.24 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8732784 .2500 275,026.44 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8732796 .2500 648,671.34 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8732804 .2500 364,868.35 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8732812 .2500 997,805.85 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8732816 .2500 410,672.45 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8732820 .2500 390,200.75 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8732828 .2500 422,696.75 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8732834 .2500 394,782.84 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8732840 .2500 528,043.01 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 8732846 .2500 337,943.57 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8732852 .2500 596,877.43 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8732860 .2500 438,403.75 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8732870 .2500 613,681.96 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8732880 .2500 408,102.59 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8732894 .2500 100,539.02 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8732930 .2500 359,264.12 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8732994 .2500 526,338.28 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8733030 .2500 747,639.58 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8733034 .2500 347,236.43 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 8733040 .2500 390,437.60 .0800 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124,000.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 8892167 .2500 269,784.09 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 5.7500 1.0450 8892338 .2500 58,500.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8892370 .2500 144,500.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 1 8892408 .2500 71,250.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8892412 .2500 129,600.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8892414 .2500 140,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 8892570 .2500 142,400.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8892580 .2500 196,000.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8892951 .2500 115,120.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8893323 .2500 222,808.01 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8893457 .2500 171,851.91 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 1 8893753 .2500 179,845.02 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8893755 .2500 319,703.62 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8894009 .2500 645,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8894051 .2500 376,650.82 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8894079 .2500 475,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8894705 .2500 280,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8894806 .2500 158,650.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8894928 .2500 105,000.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 1 8894932 .2500 164,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8894974 .2500 64,495.57 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8895012 .2500 424,596.74 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8895017 .2500 198,574.65 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8895021 .2500 81,250.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8895298 .2500 204,300.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8895330 .2500 167,293.35 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8895408 .2500 68,937.62 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 1 8896241 .2500 132,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8896363 .2500 127,500.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8896886 .2500 165,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8896890 .2500 140,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8896940 .2500 132,800.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8896946 .2500 428,000.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8896970 .2500 152,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8897064 .2500 215,822.95 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 1 8897078 .2500 215,822.95 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 8897106 .2500 211,026.88 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 8897150 .2500 72,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8897154 .2500 61,600.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8897162 .2500 340,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 8897176 .2500 495,200.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 8897200 .2500 307,500.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8897218 .2500 56,000.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 1 8897278 .2500 75,000.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 8897324 .2500 144,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8897406 .2500 55,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8897490 .2500 41,250.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8897658 .2500 467,576.92 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8897730 .2500 361,250.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8897948 .2500 82,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8898850 .2500 198,400.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 1 8899092 .2500 132,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8899430 .2500 248,000.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 5.7500 1.0450 8900486 .2500 120,000.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 5.7500 1.4200 8900808 .2500 400,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8901178 .2500 212,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8901306 .2500 650,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8901442 .2500 168,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8901490 .2500 72,800.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 1 8901496 .2500 104,900.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8901642 .2500 57,040.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8901792 .2500 392,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8901818 .2500 360,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 8901822 .2500 80,750.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8901836 .2500 146,400.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8901872 .2500 260,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8901898 .2500 166,400.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 1 8901908 .2500 142,800.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 8901940 .2500 319,500.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8902054 .2500 68,400.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8902104 .2500 70,300.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 5.7500 1.4200 8902122 .2500 59,450.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8902136 .2500 133,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8902252 .2500 368,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 5.7500 1.2950 8902254 .2500 322,700.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 1 8902330 .2500 164,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8902370 .2500 68,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8902626 .2500 68,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8902852 .2500 81,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8903052 .2500 134,100.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8903822 .2500 650,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 8903828 .2500 506,250.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 8903840 .2500 581,250.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 1 8903886 .2500 64,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8903892 .2500 112,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8903984 .2500 400,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8903994 .2500 440,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8903996 .2500 150,160.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 8904022 .2500 155,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8904024 .2500 137,700.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8904028 .2500 315,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 1 8904038 .2500 312,645.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8904346 .2500 61,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8904366 .2500 164,500.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8904392 .2500 140,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8904396 .2500 52,800.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8904442 .2500 292,500.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8904518 .2500 125,800.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8904572 .2500 224,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 1 8904666 .2500 79,110.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8905046 .2500 81,837.68 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 5.7500 1.2950 8905566 .2500 433,600.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8905590 .2500 276,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8905736 .2500 543,300.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8905816 .2500 140,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8905822 .2500 67,900.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8906206 .2500 64,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 1 8906408 .2500 210,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8906446 .2500 280,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8907166 .2500 235,500.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8907258 .2500 488,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8907366 .2500 265,050.00 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 5.7500 1.6700 8907400 .2500 200,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8907572 .2500 63,750.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8907638 .2500 412,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 1 8907696 .2500 315,200.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8907810 .2500 145,600.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8907958 .2500 322,700.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8908284 .2500 77,350.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8908422 .2500 490,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8908612 .2500 144,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8908740 .2500 52,925.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8908746 .2500 161,500.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 1 8908920 .2500 122,400.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8909046 .2500 80,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8913878 .2500 149,600.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 8913944 .2500 343,800.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8913986 .2500 268,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8914010 .2500 396,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8914016 .2500 398,000.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8914112 .2500 71,249.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 1 8914178 .2500 297,600.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8914198 .2500 236,700.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8914250 .2500 178,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8914278 .2500 143,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8914286 .2500 143,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 8914398 .2500 143,150.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8914626 .2500 163,750.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 5.7500 1.4200 8914674 .2500 304,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 1 8915086 .2500 50,800.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 8916090 .2500 208,120.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8916102 .2500 160,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8919048 .2500 133,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8919144 .2500 145,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8919160 .2500 55,650.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8919338 .2500 161,500.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8919380 .2500 165,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 1 8919522 .2500 58,500.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 8919692 .2500 80,900.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 5.7500 1.0450 8919730 .2500 355,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8919978 .2500 135,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8922860 .2500 344,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8923012 .2500 144,500.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8923126 .2500 116,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8923336 .2500 161,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 1 8923964 .2500 65,600.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 5.7500 1.4200 8924040 .2500 187,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8924166 .2500 80,700.00 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 5.7500 1.6700 8924298 .2500 112,500.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8924308 .2500 400,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8924330 .2500 399,500.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 8924352 .2500 406,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8924550 .2500 385,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 1 8924658 .2500 136,000.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 5.7500 1.4200 8924770 .2500 131,200.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8925090 .2500 572,000.00 .0800 6.9900 .0000 6.7400 .0000 6.6600 .0000 5.7500 .9100 8925128 .2500 460,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8928616 .2500 122,400.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8928826 .2500 261,250.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 5.7500 1.4200 8929270 .2500 58,410.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 8930152 .2500 54,900.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 1 8936658 .2500 132,500.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8936806 .2500 131,750.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 TOTAL NUMBER OF LOANS: 2112 TOTAL BALANCE........: 372,894,608.72 RUN ON : 12/22/03 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 06.53.17 INITIAL SECURITY FEES AMORTIZED BALANCE SERIES : RALI 2003-QS22 FIXED SUMMARY REPORT CUTOFF : 12/01/03 POOL : 0004776 : : POOL STATUS: F WEIGHTED AVERAGES FROM TO ---------------------------------------------------------------------------- CURR NOTE RATE 6.4608 5.0000 8.5000 RFC NET RATE 6.2108 4.7500 8.2500 NET MTG RATE(INVSTR RATE) 6.1407 4.7200 8.1700 POST STRIP RATE 5.7117 4.7200 5.7500 SUB SERV FEE .2500 .2500 .2500 MSTR SERV FEE .0701 .0300 .0800 ALL EXP .0000 .0000 .0000 MISC EXP .0000 .0000 .0000 SPREAD .0000 .0000 .0000 STRIP .4290 .0000 2.4200 TOTAL NUMBER OF LOANS: 2112 TOTAL BALANCE........: 372,894,608.72 *************************** * END OF REPORT * *************************** RUN ON : 12/22/03 RFC DISCLOSURE SYSTEM RFFSD177-01 AT : 06.53.17 FIXED RATE LOAN LISTING AMORTIZED BALANCE SERIES : RALI 2003-QS22 CUTOFF : 12/01/03 POOL : 0004776 : : 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 # ______________________________________________________________________________ 5252633 601/G02 F 169,600.00 ZZ 360 164,487.01 1 7.500 1,185.87 80 7.250 1,185.87 PEYTON CO 80831 5 08/09/01 00 0433085420 05 09/01/01 0 60727625 O 08/01/31 0 8381250 U05/G02 F 425,000.00 ZZ 360 422,812.13 1 5.875 2,514.04 80 5.625 2,514.04 VALLEY VILLAGE CA 91607 5 06/05/03 00 0436978282 05 08/01/03 0 3355256 O 07/01/33 0 8386898 286/286 F 295,500.00 ZZ 360 293,359.80 1 5.875 1,748.00 79 5.625 1,748.00 SPRINGFIELD VA 22153 5 04/24/03 00 2211682 05 06/01/03 0 2211682 O 05/01/33 0 8386922 286/286 F 199,500.00 ZZ 360 198,306.35 4 6.875 1,310.58 95 6.625 1,310.58 SAN BERNARDINO CA 92407 1 04/18/03 12 2256448 05 06/01/03 30 1 2256448 O 05/01/33 0 8387214 286/286 F 92,000.00 ZZ 360 91,408.21 1 6.500 581.51 80 6.250 581.51 VANDALIA OH 45377 5 04/23/03 00 2170667 05 06/01/03 0 2170667 O 05/01/33 0 8393440 005/M32 F 352,450.00 ZZ 360 348,319.96 1 6.250 2,170.10 95 6.000 2,170.10 BIRMINGHAM AL 35244 1 11/21/02 12 4007019250 03 01/01/03 30 4007019250 O 12/01/32 0 8399858 F97/F97 F 365,000.00 ZZ 360 362,107.23 1 6.750 2,367.38 61 6.500 2,367.38 CHICAGO IL 60610 5 01/31/03 00 2000511334 01 04/01/03 0 2000511334 O 03/01/33 0 8399898 F97/F97 F 610,000.00 ZZ 360 605,884.64 1 6.250 3,755.87 72 6.000 3,755.87 BRANFORD CT 06405 5 04/25/03 00 2000557334 05 06/01/03 0 2000557334 O 05/01/33 0 8426592 964/G02 F 375,250.00 ZZ 360 373,225.27 1 5.625 2,160.15 95 5.375 2,160.15 VAN NUYS (AREA) CA 91405 1 06/17/03 04 0436750566 05 08/01/03 30 427662 O 07/01/33 0 1 8428866 964/G02 F 212,800.00 T 360 211,730.16 1 6.000 1,275.84 70 5.750 1,275.84 ZEPHYR COVE NV 89448 1 06/18/03 00 0436088785 09 08/01/03 0 462758 O 07/01/33 0 8431414 286/286 F 60,000.00 ZZ 360 59,628.43 1 5.875 354.92 80 5.625 354.92 FORT WORTH TX 76111 1 05/06/03 00 2331688 05 07/01/03 0 2331688 O 06/01/33 0 8431566 286/286 F 104,550.00 ZZ 360 103,081.20 1 6.375 652.26 85 6.125 652.26 VIRGINIA BEACH VA 23462 5 05/02/03 10 2013024 05 07/01/03 12 2013024 O 06/01/33 0 8457343 286/286 F 192,688.00 ZZ 360 190,198.67 1 6.750 1,249.77 80 6.500 1,249.77 DACULA GA 30019 1 10/02/02 00 1576826 03 12/01/02 0 1576826 O 11/01/32 0 8457453 286/286 F 112,200.00 ZZ 360 111,254.88 1 7.500 784.52 85 7.250 784.52 SCOTTDALE GA 30079 5 12/10/02 11 1857308 05 02/01/03 12 1857308 O 01/01/33 0 8459393 286/286 F 121,600.00 ZZ 360 120,260.28 1 6.375 758.63 80 6.125 758.63 1 BARNESVILLE GA 30204 5 12/20/02 00 1888522 05 02/01/03 0 1888522 O 01/01/33 0 8459749 286/286 F 190,000.00 ZZ 360 187,511.00 1 6.250 1,169.86 65 6.000 1,169.86 MILLEDGEVILLE GA 31016 5 11/18/02 00 1787346 05 01/01/03 0 1787346 O 12/01/32 0 8459970 808/G02 F 476,000.00 ZZ 360 473,549.60 1 5.875 2,815.72 80 5.625 2,815.72 HUNTINGTON BEAC CA 92647 1 06/02/03 00 0436126361 05 08/01/03 0 9330600 O 07/01/33 0 8460375 286/286 F 70,200.00 ZZ 360 69,180.49 1 6.125 426.55 90 5.875 426.55 VIRGINIA BEACH VA 23453 1 10/15/02 10 1621698 09 12/01/02 25 1621698 N 11/01/32 0 8460413 286/286 F 184,000.00 ZZ 360 181,894.00 1 6.375 1,147.93 80 6.125 1,147.93 ROSWELL GA 30076 5 11/11/02 00 1686636 03 01/01/03 0 1686636 O 12/01/32 0 8462118 E22/G02 F 280,000.00 ZZ 360 278,849.68 1 5.875 1,656.31 80 5.625 1,656.31 FAIRFIELD NJ 07004 5 07/08/03 00 0417793841 05 09/01/03 0 0417793841 O 08/01/33 0 1 8472478 E22/G02 F 114,000.00 TX 360 113,531.68 1 5.875 674.35 80 5.625 674.35 PLANO TX 75074 5 07/10/03 00 0417675667 05 09/01/03 0 0417675667 O 08/01/33 0 8474942 286/286 F 95,700.00 ZZ 360 95,118.36 1 6.250 589.25 80 6.000 589.25 JOLIET IL 60435 2 05/22/03 00 2238795 05 07/01/03 0 2238795 N 06/01/33 0 8491545 286/286 F 165,600.00 ZZ 360 160,596.98 1 5.875 979.59 90 5.625 979.59 BALLGROUND GA 30107 1 11/26/02 11 1803423 05 01/01/03 17 1803423 O 12/01/32 0 8491651 286/286 F 112,000.00 ZZ 360 110,855.55 1 6.500 707.92 80 6.250 707.92 HIRAM GA 30141 5 12/05/02 00 1765003 05 02/01/03 0 1765003 O 01/01/33 0 8503866 286/286 F 189,000.00 ZZ 360 188,196.91 4 6.875 1,241.60 80 6.625 1,241.60 CHICAGO IL 60629 2 06/09/03 00 2311433 05 08/01/03 0 2311433 N 07/01/33 0 8504118 286/286 F 58,400.00 ZZ 360 58,092.18 1 1 5.750 340.81 80 5.500 340.81 CASSELBERRY FL 32707 1 06/17/03 00 2437849 01 08/01/03 0 2437849 O 07/01/33 0 8504430 286/286 F 190,000.00 ZZ 360 188,795.42 3 5.750 1,108.79 80 5.500 1,108.79 DERBY CT 06418 1 05/30/03 00 2236624 05 07/01/03 0 2236624 N 06/01/33 0 8509548 286/286 F 164,988.00 ZZ 360 163,874.94 1 6.250 1,015.86 80 6.000 1,015.86 GOODYEAR AZ 85338 1 04/25/03 00 2164717 05 06/01/03 0 2164717 O 05/01/33 0 8535546 964/G02 F 191,200.00 ZZ 360 190,376.59 1 5.625 1,100.66 80 5.375 1,100.66 CORVALLIS OR 97330 1 07/28/03 00 0436315220 05 09/01/03 0 472936 O 08/01/33 0 8543918 286/286 F 40,500.00 ZZ 360 40,263.50 1 7.000 269.45 90 6.750 269.45 PHILADELPHIA PA 19124 1 05/02/03 12 2349387 05 06/01/03 25 2349387 N 05/01/33 0 8550928 U05/G02 F 67,300.00 ZZ 360 67,036.35 2 6.125 408.92 90 5.875 408.92 SAN ANTONIO TX 78201 1 08/01/03 10 0436301394 05 09/01/03 25 1 3364941 N 08/01/33 0 8551212 R55/G02 F 106,400.00 ZZ 360 106,116.83 1 6.625 681.29 80 6.375 681.29 ROSEVILLE MI 48066 1 08/05/03 00 0436875868 05 10/01/03 0 100946000002233 O 09/01/33 0 8552065 E22/G02 F 67,200.00 TX 360 66,655.34 1 6.000 402.90 80 5.750 402.90 HOUSTON TX 77032 5 03/13/03 00 0416175313 05 05/01/03 0 0416175313 O 04/01/33 0 8564806 K60/G02 F 119,600.00 ZZ 360 119,057.21 1 5.625 688.49 45 5.375 688.49 HYDE PARK NY 12538 2 08/04/03 00 0436514087 05 09/01/03 0 79927 O 08/01/33 0 8579536 E22/G02 F 296,000.00 ZZ 360 295,173.17 1 6.375 1,846.65 80 6.125 1,846.65 NORTHRIDGE(LA) CA 91325 1 08/09/03 00 0418003604 05 10/01/03 0 0418003604 N 09/01/33 0 8610210 W40/G02 F 147,000.00 ZZ 360 146,424.09 1 6.125 893.19 100 5.875 893.19 COOPERSVILLE MI 49404 1 07/31/03 01 0436441950 05 09/01/03 35 1020024698 O 08/01/33 0 1 8639146 Y36/G02 F 147,600.00 ZZ 360 146,716.90 4 6.875 969.63 87 6.625 969.63 GLADSTONE MO 64118 2 04/08/03 11 0436767909 05 06/01/03 25 0005900411 N 05/01/33 0 8640503 U05/G02 F 198,801.00 ZZ 360 197,582.44 4 6.750 1,289.42 90 6.500 1,289.42 TUCSON AZ 85711 1 04/11/03 10 0437034572 05 06/01/03 25 3335554 N 05/01/33 0 8649521 964/G02 F 148,000.00 ZZ 360 146,855.89 1 6.250 911.26 60 6.000 911.26 DENVER CO 80211 5 03/12/03 00 0435755160 05 05/01/03 0 361559 N 04/01/33 0 8662338 A06/G02 F 260,000.00 ZZ 360 259,461.24 1 6.875 1,708.02 80 6.625 1,708.02 CLINTON TOWNSHI MI 48038 1 09/08/03 00 0436567713 05 11/01/03 0 021000020320808 O 10/01/33 0 8667054 967/G02 F 217,900.00 ZZ 360 217,245.99 1 6.000 1,306.42 78 5.750 1,306.42 TROUTDALE OR 97060 5 08/22/03 00 0437032659 05 10/01/03 0 6844104 O 09/01/33 0 8668732 X84/G02 F 77,000.00 ZZ 360 76,873.39 1 7.000 512.29 80 6.750 512.29 1 BALTIMORE MD 21206 2 09/04/03 00 0436927289 05 11/01/03 0 503031 O 10/01/33 0 8670234 286/286 F 23,400.00 ZZ 359 23,337.70 2 6.625 149.84 90 6.375 149.84 PINE BLUFF AR 71601 1 08/05/03 11 2607041 05 10/01/03 25 2607041 N 08/01/33 0 8670786 286/286 F 233,400.00 ZZ 360 117,648.12 1 6.125 1,418.17 80 5.875 1,418.17 LEESBURG VA 20176 1 07/25/03 00 2658983 05 09/01/03 0 2658983 N 08/01/33 0 8676128 286/286 F 47,700.00 ZZ 360 47,623.47 1 7.125 321.37 90 6.875 321.37 PORTSMOUTH VA 23703 1 09/09/03 11 2729238 05 11/01/03 25 2729238 N 10/01/33 0 8676130 286/286 F 78,210.00 ZZ 360 78,087.59 2 7.250 533.54 90 7.000 533.54 SUFFOLK VA 23435 1 09/05/03 11 2723238 05 11/01/03 25 2723238 N 10/01/33 0 8676136 286/286 F 66,240.00 ZZ 360 66,059.36 1 6.500 418.69 80 6.250 418.69 SHELBYVILLE IN 46176 1 09/05/03 00 2739679 05 10/01/03 0 2739679 O 09/01/33 0 1 8676138 286/286 F 82,400.00 ZZ 360 82,191.13 1 6.875 541.31 80 6.625 541.31 NORTH LAS VEGAS NV 89030 1 08/21/03 00 2728585 05 10/01/03 0 2728585 O 09/01/33 0 8676150 286/286 F 633,750.00 ZZ 360 630,223.97 1 5.750 3,698.40 75 5.500 3,698.40 COLORADO SPRING CO 80906 5 06/27/03 00 2599679 05 08/01/03 0 2599679 O 07/01/33 0 8676186 286/286 F 171,000.00 ZZ 360 170,732.39 1 7.250 1,166.53 90 7.000 1,166.53 WASHINGTON DC 20002 1 09/04/03 11 2760803 05 11/01/03 25 2760803 N 10/01/33 0 8676244 286/286 F 91,000.00 ZZ 360 90,785.71 2 7.250 620.79 68 7.000 620.79 YAKIMA WA 98902 2 08/12/03 00 2698617 05 10/01/03 0 2698617 N 09/01/33 0 8676254 286/286 F 280,000.00 ZZ 360 279,572.55 4 7.375 1,933.90 80 7.125 1,933.90 NEWARK NJ 07112 1 09/12/03 00 2368972 05 11/01/03 0 2368972 O 10/01/33 0 8676258 286/286 F 160,000.00 ZZ 360 159,632.47 1 1 7.375 1,105.09 80 7.125 1,105.09 HYATTSVILLE MD 20781 1 08/29/03 00 1770750 05 10/01/03 0 1770750 N 09/01/33 0 8676290 286/286 F 83,700.00 ZZ 360 83,544.54 1 6.375 522.18 90 6.125 522.18 HARTVILLE OH 44632 1 09/05/03 11 2735197 05 11/01/03 25 2735197 N 10/01/33 0 8676312 286/286 F 50,900.00 ZZ 360 50,750.81 3 6.125 309.28 63 5.875 309.28 KANSAS CITY KS 66102 2 09/03/03 00 2631763 05 10/01/03 0 2631763 N 09/01/33 0 8676318 286/286 F 49,500.00 ZZ 360 49,393.95 1 7.000 329.33 90 6.750 329.33 LOVES PARK IL 61111 1 09/09/03 12 2324037 05 11/01/03 25 2324037 N 10/01/33 0 8676374 286/286 F 360,000.00 ZZ 360 358,446.11 1 6.000 2,158.39 80 5.750 2,158.39 DRAPER UT 84020 1 07/30/03 00 2217014 05 09/01/03 0 2217014 O 08/01/33 0 8676442 286/286 F 166,500.00 ZZ 360 166,239.43 3 7.250 1,135.83 90 7.000 1,135.83 NEWARK NJ 07108 1 09/04/03 12 2692328 05 11/01/03 30 1 2692328 N 10/01/33 0 8676454 286/286 F 210,100.00 ZZ 360 184,497.19 1 6.625 1,345.30 90 6.375 1,345.30 MESA AZ 85207 1 08/25/03 12 2744849 03 10/01/03 25 2744849 O 09/01/33 0 8676470 286/286 F 218,700.00 ZZ 360 218,159.04 3 7.000 1,455.02 90 6.750 1,455.02 LOS ANGELES CA 90002 1 08/19/03 12 2661056 05 10/01/03 25 2661056 O 09/01/33 0 8676632 286/286 F 54,000.00 ZZ 360 53,882.01 1 7.625 382.21 90 7.375 382.21 INDIANAPOLIS IN 46218 2 08/29/03 21 2673781 05 10/01/03 25 2673781 N 09/01/33 0 8676738 286/286 F 351,000.00 ZZ 360 349,816.83 1 5.875 2,076.30 90 5.625 2,076.30 SAN BERNARDINO CA 92404 1 08/14/03 21 2666933 05 10/01/03 25 2666933 O 09/01/33 0 8679838 E65/G02 F 142,320.00 ZZ 360 141,976.53 1 7.125 958.84 80 6.875 958.84 FOWLERVILLE MI 48836 1 09/05/03 00 0436893846 05 10/01/03 0 263361 O 09/01/33 0 1 8680428 U05/G02 F 212,850.00 ZZ 360 212,533.08 4 7.500 1,488.28 90 7.250 1,488.28 REXBURG ID 83440 2 09/12/03 10 0436600688 05 11/01/03 25 3415571 N 10/01/33 0 8683181 E76/G02 F 50,450.00 ZZ 360 50,078.06 1 6.750 327.22 90 6.500 327.22 MILTON FL 32570 1 03/11/03 29 0435772009 05 05/01/03 25 10021703 N 04/01/33 0 8686414 H58/G02 F 370,000.00 ZZ 360 368,101.24 1 5.750 2,159.22 78 5.500 2,159.22 ALISO VIEJO CA 92658 5 07/24/03 00 0436647507 05 09/01/03 0 0000172471 O 08/01/33 0 8688140 003/G02 F 128,250.00 ZZ 360 127,891.73 2 6.375 800.12 90 6.125 800.12 ORANGE PARK FL 32073 1 08/08/03 27 0436708903 05 10/01/03 25 0022143028 N 09/01/33 0 8692218 E22/G02 F 118,750.00 ZZ 360 118,549.91 1 6.875 780.10 95 6.625 780.10 SUN RIVER MT 59483 1 09/22/03 01 0418299780 05 11/01/03 30 0418299780 O 10/01/33 0 8693686 144/144 F 165,000.00 ZZ 360 164,322.13 1 5.875 976.04 65 5.625 976.04 1 GARNERVILLE NY 10923 5 07/23/03 00 160732644000000 05 09/01/03 0 1 O 08/01/33 0 8696602 E22/G02 F 240,750.00 ZZ 360 240,373.25 1 7.250 1,642.34 90 7.000 1,642.34 DALLAS TX 75230 1 09/24/03 01 0418383212 05 11/01/03 25 0418383212 O 10/01/33 0 8704855 736/M32 F 345,000.00 ZZ 360 342,727.19 1 6.375 2,152.36 80 6.125 2,152.36 MISSION VIEJO CA 92691 5 04/09/03 00 260001393 05 06/01/03 0 0108263245 O 05/01/33 0 8704957 736/M32 F 311,100.00 ZZ 360 309,010.71 1 6.375 1,940.86 80 6.125 1,940.86 YONKERS NY 10710 5 04/04/03 00 260001083 05 06/01/03 0 0107988420 O 05/01/33 0 8705141 736/M32 F 360,000.00 ZZ 360 357,221.96 1 6.375 2,245.94 80 6.125 2,245.94 SAN FRANCISCO CA 94110 5 04/08/03 00 260001296 05 06/01/03 0 0108153792 O 05/01/33 0 8705151 736/M32 F 307,500.00 ZZ 360 305,425.36 1 6.250 1,893.34 75 6.000 1,893.34 ROUGH AND READY CA 95975 5 04/09/03 00 260001303 05 06/01/03 0 0108157165 O 05/01/33 0 1 8705451 736/M32 F 455,000.00 ZZ 360 452,002.62 1 6.375 2,838.61 70 6.125 2,838.61 NEVADA CITY CA 95959 5 04/10/03 00 260001009 05 06/01/03 0 0081666208 O 05/01/33 0 8705997 736/M32 F 77,000.00 ZZ 360 76,510.96 1 6.750 499.43 70 6.500 499.43 SOUTHWICK MA 01077 5 04/03/03 00 260000701 05 06/01/03 0 0081396723 O 05/01/33 0 8706235 736/M32 F 625,000.00 ZZ 360 620,980.07 1 6.500 3,950.43 68 6.250 3,950.43 PEMBROKE MA 02359 5 04/04/03 00 260000880 05 06/01/03 0 0081552051 O 05/01/33 0 8716706 U05/G02 F 144,900.00 ZZ 360 144,678.80 4 7.375 1,000.79 90 7.125 1,000.79 BATON ROUGE LA 70816 1 09/25/03 04 0436632129 05 11/01/03 25 3000359534 N 10/01/33 0 8721631 286/286 F 69,200.00 ZZ 360 68,674.84 1 5.625 398.35 90 5.375 398.35 CALHOUN GA 30701 1 04/15/03 10 2201029 05 06/01/03 25 2201029 N 05/01/33 0 8732774 286/286 F 500,000.00 ZZ 360 498,953.42 1 1 5.750 2,917.87 75 5.500 2,917.87 LODI CA 95240 5 09/11/03 00 2616431 05 11/01/03 0 2616431 O 10/01/33 0 8732778 286/286 F 374,000.00 ZZ 360 372,727.24 1 5.875 2,212.36 75 5.625 2,212.36 FAIR OAKS CA 95628 5 08/04/03 00 2706497 05 10/01/03 0 2706497 O 09/01/33 0 8732784 286/286 F 276,700.00 ZZ 360 275,026.44 1 6.000 1,658.96 73 5.750 1,658.96 WOBURN MA 01801 5 05/01/03 00 2247487 05 07/01/03 0 2247487 O 06/01/33 0 8732796 286/286 F 650,000.00 ZZ 360 648,671.34 1 5.875 3,845.00 80 5.625 3,845.00 SILVER SPRING MD 20910 2 09/08/03 00 2550878 05 11/01/03 0 2550878 O 10/01/33 0 8732804 286/286 F 365,652.00 ZZ 360 364,868.35 1 5.625 2,104.90 77 5.375 2,104.90 LA MIRADA CA 90638 2 09/12/03 00 2593390 05 11/01/03 0 2593390 O 10/01/33 0 8732812 286/286 F 1,000,000.00 ZZ 360 997,805.85 1 5.500 5,677.90 57 5.250 5,677.90 ALEXANDRIA VA 22314 1 09/24/03 00 2598568 05 11/01/03 0 1 2598568 O 10/01/33 0 8732816 286/286 F 412,000.00 T 360 410,672.45 1 5.625 2,371.70 80 5.375 2,371.70 BETHANY DE 19930 1 08/01/03 00 2628600 05 10/01/03 0 2628600 O 09/01/33 0 8732820 286/286 F 391,000.00 ZZ 360 390,200.75 1 5.875 2,312.92 80 5.625 2,312.92 TOWSON MD 21204 5 09/04/03 00 2654181 05 11/01/03 0 2654181 O 10/01/33 0 8732828 286/286 F 424,000.00 ZZ 360 422,696.75 1 5.875 2,508.13 80 5.625 2,508.13 FALLS CHURCH VA 22046 1 08/26/03 00 2698318 05 10/01/03 0 2698318 O 09/01/33 0 8732834 286/286 F 396,000.00 ZZ 360 394,782.84 1 5.875 2,342.49 62 5.625 2,342.49 OWINGS MILLS MD 21117 5 08/28/03 00 2578615 05 10/01/03 0 2578615 O 09/01/33 0 8732840 286/286 F 529,750.00 ZZ 360 528,043.01 1 5.625 3,049.54 80 5.375 3,049.54 FORT COLLINS CO 80528 1 08/29/03 00 2653088 05 10/01/03 0 2653088 O 09/01/33 0 1 8732846 286/286 F 340,000.00 ZZ 360 337,943.57 1 6.000 2,038.48 71 5.750 2,038.48 LEESBURG VA 20175 5 05/02/03 00 2159051 05 07/01/03 0 2159051 O 06/01/33 0 8732852 286/286 F 598,100.00 ZZ 360 596,877.43 1 5.875 3,537.99 71 5.625 3,537.99 COLUMBUS OH 43209 2 09/02/03 00 2666650 05 11/01/03 0 2666650 O 10/01/33 0 8732860 286/286 F 439,200.00 ZZ 360 438,403.75 1 6.500 2,776.05 80 6.250 2,776.05 HUNTINGTOWN MD 20639 1 09/15/03 00 2628180 05 11/01/03 0 2628180 O 10/01/33 0 8732870 286/286 F 615,000.00 ZZ 360 613,681.96 1 5.625 3,540.29 77 5.375 3,540.29 GLENVIEW IL 60025 2 09/08/03 00 2668739 05 11/01/03 0 2668739 O 10/01/33 0 8732880 286/286 F 409,000.00 ZZ 360 408,102.59 1 5.500 2,322.26 78 5.250 2,322.26 CARMEL IN 46032 2 09/08/03 00 2631457 05 11/01/03 0 2631457 O 10/01/33 0 8732894 286/286 F 101,250.00 ZZ 360 100,539.02 1 6.250 623.42 73 6.000 623.42 1 SAINT PETERS MO 63376 5 04/10/03 00 2147565 05 06/01/03 0 2147565 O 05/01/33 0 8732930 286/286 F 360,000.00 ZZ 360 359,264.12 1 5.875 2,129.54 80 5.625 2,129.54 METAMORA IL 61548 2 09/04/03 00 2651864 05 11/01/03 0 2651864 O 10/01/33 0 8732994 286/286 F 528,000.00 ZZ 360 526,338.28 1 5.750 3,081.26 80 5.500 3,081.26 ELKRIDGE MD 21075 5 08/11/03 00 2626270 05 10/01/03 0 2626270 O 09/01/33 0 8733030 286/286 F 750,000.00 ZZ 360 747,639.58 1 5.750 4,376.80 60 5.500 4,376.80 RYE NY 10580 5 08/21/03 00 2670560 05 10/01/03 0 2670560 O 09/01/33 0 8733034 286/286 F 348,000.00 ZZ 360 347,236.43 1 5.500 1,975.91 80 5.250 1,975.91 WASHINGTON DC 20007 2 09/11/03 00 2543270 05 11/01/03 0 2543270 O 10/01/33 0 8733040 286/286 F 391,200.00 ZZ 360 390,437.60 1 6.125 2,376.98 80 5.875 2,376.98 ALEXANDRIA VA 22310 1 09/17/03 00 2623726 03 11/01/03 0 2623726 O 10/01/33 0 1 8733048 286/286 F 595,902.00 ZZ 360 594,683.92 1 5.875 3,524.99 80 5.625 3,524.99 CHICAGO IL 60605 1 09/24/03 00 2093715 01 11/01/03 0 2093715 O 10/01/33 0 8733056 286/286 F 265,000.00 ZZ 360 264,143.34 1 6.375 1,653.26 63 6.125 1,653.26 NAPA CA 94588 5 08/25/03 00 2738540 05 10/01/03 0 2738540 O 09/01/33 0 8733066 286/286 F 560,000.00 ZZ 360 558,152.71 1 5.500 3,179.62 80 5.250 3,179.62 MCLEAN VA 22101 1 08/29/03 00 2656247 05 10/01/03 0 2656247 O 09/01/33 0 8733074 286/286 F 300,000.00 ZZ 360 299,099.57 1 6.000 1,798.65 80 5.750 1,798.65 FAIRFAX VA 22030 5 08/08/03 00 2669040 05 10/01/03 0 2669040 O 09/01/33 0 8733082 286/286 F 650,000.00 ZZ 360 647,954.28 1 5.750 3,793.23 80 5.500 3,793.23 DALLAS TX 75214 2 08/13/03 00 2366431 05 10/01/03 0 2366431 O 09/01/33 0 8733090 286/286 F 582,400.00 ZZ 360 581,318.29 1 1 6.375 3,633.42 80 6.125 3,633.42 CHICAGO IL 60618 1 09/26/03 00 2792862 05 11/01/03 0 2792862 O 10/01/33 0 8733098 286/286 F 438,000.00 ZZ 360 437,146.40 1 6.125 2,661.34 80 5.875 2,661.34 LANSDOWNE VA 20176 1 09/26/03 00 2805682 05 11/01/03 0 2805682 O 10/01/33 0 8733108 286/286 F 478,400.00 ZZ 360 477,445.10 1 6.000 2,868.26 80 5.750 2,868.26 VIENNA VA 22180 2 09/08/03 00 2677698 05 11/01/03 0 2677698 O 10/01/33 0 8733110 286/286 F 376,550.00 ZZ 360 375,364.91 1 5.750 2,197.44 55 5.500 2,197.44 DALLAS TX 75230 2 08/15/03 00 2698539 05 10/01/03 0 2698539 O 09/01/33 0 8733120 286/286 F 366,500.00 ZZ 360 365,695.84 1 5.500 2,080.95 49 5.250 2,080.95 GROSSE POINTE P MI 48230 2 09/09/03 00 2617782 05 11/01/03 0 2617782 O 10/01/33 0 8733124 286/286 F 385,000.00 ZZ 360 383,788.31 1 5.750 2,246.76 77 5.500 2,246.76 CLAYTON MO 63105 5 08/28/03 00 2487368 05 10/01/03 0 1 2487368 O 09/01/33 0 8733130 286/286 F 559,000.00 ZZ 360 557,773.46 1 5.500 3,173.95 80 5.250 3,173.95 WHITE BEAR TOWN MN 55110 2 09/11/03 00 2671510 05 11/01/03 0 2671510 O 10/01/33 0 8733142 286/286 F 455,200.00 ZZ 360 454,312.88 1 6.125 2,765.85 80 5.875 2,765.85 PROSPER TX 75078 2 09/18/03 00 2725770 05 11/01/03 0 2725770 O 10/01/33 0 8733166 286/286 F 581,250.00 ZZ 360 579,420.68 1 5.750 3,392.02 75 5.500 3,392.02 CHEVY CHASE MD 20815 2 08/28/03 00 2615603 05 10/01/03 0 2615603 O 09/01/33 0 8733178 286/286 F 322,700.00 ZZ 360 321,558.55 1 5.125 1,757.06 65 4.875 1,757.06 LORTON VA 22079 2 08/26/03 00 2264416 05 10/01/03 0 2264416 O 09/01/33 0 8733190 286/286 F 368,000.00 ZZ 360 367,282.82 1 6.125 2,236.01 80 5.875 2,236.01 ARLINGTON VA 22213 1 09/24/03 00 2758148 05 11/01/03 0 2758148 O 10/01/33 0 1 8733194 286/286 F 707,000.00 ZZ 360 704,667.79 1 5.500 4,014.27 73 5.250 4,014.27 LAGUNA NIGUEL CA 92677 5 08/08/03 00 2625873 05 10/01/03 0 2625873 O 09/01/33 0 8733200 286/286 F 392,000.00 ZZ 360 390,311.87 1 5.625 2,256.58 80 5.375 2,256.58 ARLINGTON VA 22207 1 07/25/03 00 2647673 05 09/01/03 0 2647673 O 08/01/33 0 8733208 286/286 F 437,000.00 ZZ 360 433,098.35 1 6.125 2,655.26 70 5.875 2,655.26 AUSTIN TX 78750 1 02/28/03 00 2055111 05 04/01/03 0 2055111 O 03/01/33 0 8733216 286/286 F 372,500.00 ZZ 360 371,663.31 1 5.375 2,085.90 74 5.125 2,085.90 BAINBRIDGE ISLA WA 98110 2 09/12/03 00 2553252 05 11/01/03 0 2553252 O 10/01/33 0 8733232 286/286 F 388,500.00 ZZ 360 386,826.94 1 5.625 2,236.43 56 5.375 2,236.43 PLEASANTON CA 94566 2 07/08/03 00 2556790 05 09/01/03 0 2556790 O 08/01/33 0 8733234 286/286 F 459,700.00 ZZ 360 458,886.60 1 6.625 2,943.51 75 6.375 2,943.51 1 HUNTINGTON BEAC CA 92647 5 09/08/03 00 2694969 05 11/01/03 0 2694969 O 10/01/33 0 8733244 286/286 F 440,000.00 ZZ 360 438,800.22 1 6.500 2,781.10 70 6.250 2,781.10 LOS ANGELES CA 90027 5 08/15/03 00 2737346 05 10/01/03 0 2737346 O 09/01/33 0 8733254 286/286 F 340,000.00 ZZ 360 337,706.15 1 6.250 2,093.44 55 6.000 2,093.44 SANTA CLARA CA 95051 5 04/16/03 00 2178771 05 06/01/03 0 2178771 O 05/01/33 0 8733264 286/286 F 455,000.00 ZZ 360 454,129.79 1 6.375 2,838.61 75 6.125 2,838.61 SANTA FE NM 87506 2 09/11/03 00 2763461 05 11/01/03 0 2763461 O 10/01/33 0 8733274 286/286 F 397,750.00 ZZ 360 397,046.20 1 6.625 2,546.84 80 6.375 2,546.84 RIVERSIDE CA 92504 1 09/03/03 00 2515703 05 11/01/03 0 2515703 O 10/01/33 0 8733284 286/286 F 352,000.00 ZZ 360 351,356.71 1 6.500 2,224.88 80 6.250 2,224.88 MISSON VIEJO CA 92691 2 09/04/03 00 2601611 05 11/01/03 0 2601611 O 10/01/33 0 1 8733294 286/286 F 697,500.00 ZZ 360 696,322.82 1 6.875 4,582.08 75 6.625 4,582.08 NOVATO CA 94945 2 09/02/03 00 2771638 05 11/01/03 0 2771638 O 10/01/33 0 8733314 286/286 F 419,900.00 ZZ 360 418,835.61 1 6.875 2,758.45 75 6.625 2,758.45 SOLANA BEACH CA 92014 5 08/29/03 00 2756138 01 10/01/03 0 2756138 O 09/01/33 0 8733324 286/286 F 776,000.00 ZZ 360 769,654.32 1 6.000 4,652.52 80 5.750 4,652.52 SAN CLEMENTE CA 92673 2 03/06/03 00 2048752 05 05/01/03 0 2048752 O 04/01/33 0 8733336 286/286 F 332,000.00 ZZ 360 331,440.55 1 6.875 2,181.01 80 6.625 2,181.01 SAN DIEGO CA 92104 1 09/04/03 00 2709629 05 11/01/03 0 2709629 O 10/01/33 0 8733342 286/286 F 322,700.00 ZZ 360 322,128.83 1 6.625 2,066.29 69 6.375 2,066.29 ENCINITAS CA 92024 5 09/18/03 00 2765783 01 11/01/03 0 2765783 O 10/01/33 0 8733350 286/286 F 380,000.00 ZZ 360 379,294.21 1 1 6.375 2,370.71 75 6.125 2,370.71 DALY CITY CA 94015 5 09/02/03 00 2765908 05 11/01/03 0 2765908 O 10/01/33 0 8733366 286/286 F 406,000.00 ZZ 360 405,189.62 1 6.000 2,434.18 59 5.750 2,434.18 EL CAJON CA 92019 2 08/29/03 00 2173349 05 11/01/03 0 2173349 O 10/01/33 0 8733376 286/286 F 422,750.00 ZZ 360 422,001.96 1 6.625 2,706.92 69 6.375 2,706.92 LOS GATOS CA 95033 1 09/04/03 00 2768861 05 11/01/03 0 2768861 O 10/01/33 0 8733386 286/286 F 145,000.00 ZZ 360 144,737.13 1 6.500 916.50 54 6.250 916.50 SALEM OR 97304 5 09/17/03 00 2764499 05 11/01/03 0 2764499 O 10/01/33 0 8733398 286/286 F 384,000.00 ZZ 360 383,303.82 1 6.500 2,427.15 80 6.250 2,427.15 SCOTTSDALE AZ 85258 1 09/10/03 00 2760280 03 11/01/03 0 2760280 O 10/01/33 0 8733412 286/286 F 420,000.00 ZZ 360 419,200.88 1 6.250 2,586.02 75 6.000 2,586.02 GLENDALE CA 91208 5 09/05/03 00 2737857 05 11/01/03 0 1 2737857 O 10/01/33 0 8733424 286/286 F 277,500.00 ZZ 360 276,962.81 1 7.000 1,846.22 73 6.750 1,846.22 CAMBRIDGE MN 55008 5 09/10/03 00 2782097 05 11/01/03 0 2782097 O 10/01/33 0 8733434 286/286 F 450,000.00 ZZ 360 449,012.62 1 5.500 2,555.06 75 5.250 2,555.06 ALBUQUERQUE NM 87122 5 09/08/03 00 2479771 05 11/01/03 0 2479771 O 10/01/33 0 8733446 286/286 F 452,000.00 ZZ 360 450,134.80 1 6.250 2,783.04 80 6.000 2,783.04 FLOWER MOUND TX 75022 2 09/12/03 00 2783405 05 11/01/03 0 2783405 O 10/01/33 0 8733462 286/286 F 172,500.00 TX 360 171,062.03 1 7.000 1,147.65 75 6.750 1,147.65 LAKE DALLAS TX 76208 5 09/08/03 00 2711938 05 11/01/03 0 2711938 O 10/01/33 0 8733472 286/286 F 180,000.00 ZZ 360 177,714.17 1 6.000 1,079.20 75 5.750 1,079.20 MARINE ON ST CR MN 55047 5 04/14/03 00 2197891 05 06/01/03 0 2197891 O 05/01/33 0 1 8733484 286/286 F 497,250.00 ZZ 360 496,291.40 1 6.500 3,142.96 75 6.250 3,142.96 SAN RAFAEL CA 94901 5 09/09/03 00 2788608 05 11/01/03 0 2788608 O 10/01/33 0 8733494 286/286 F 408,750.00 ZZ 360 407,990.81 1 6.375 2,550.07 75 6.125 2,550.07 SAN FRANCISCO CA 94112 5 09/01/03 00 2739226 05 11/01/03 0 2739226 O 10/01/33 0 8733510 286/286 F 584,500.00 ZZ 360 583,465.77 1 6.625 3,742.62 70 6.375 3,742.62 SCOTTSDALE AZ 85259 5 09/12/03 00 2407627 05 11/01/03 0 2407627 O 10/01/33 0 8733530 286/286 F 468,000.00 ZZ 360 467,211.39 1 6.875 3,074.43 75 6.625 3,074.43 ARCADIA CA 91006 2 08/25/03 00 2757780 05 11/01/03 0 2757780 O 10/01/33 0 8741577 U05/G02 F 322,700.00 ZZ 360 320,793.94 1 6.125 1,960.76 76 5.875 1,960.76 THOUSAND OAKS CA 91360 2 05/08/03 00 0437028103 05 07/01/03 0 3352663 O 06/01/33 0 8744094 E86/G02 F 152,000.00 ZZ 360 151,390.16 1 6.000 911.32 80 5.750 911.32 1 ARNOLD MD 21012 1 07/31/03 00 0436896708 05 09/01/03 0 0000354703 O 08/01/33 0 8744340 E22/G02 F 81,900.00 ZZ 360 81,832.87 3 7.000 544.88 90 6.750 544.88 CLEVELAND OH 44108 1 10/08/03 01 0418470886 05 12/01/03 25 0418470886 N 11/01/33 0 8744846 A06/G02 F 128,200.00 ZZ 360 128,089.62 1 6.750 831.51 93 6.500 831.51 REDFORD MI 48240 5 09/29/03 12 0436674733 05 12/01/03 30 025000020323117 O 11/01/33 0 8745244 601/G02 F 50,000.00 ZZ 360 49,799.38 1 6.000 299.78 59 5.750 299.78 AZTEC NM 87410 5 07/21/03 00 0436733513 05 09/01/03 0 62725890 O 08/01/33 0 8746742 A35/G02 F 500,000.00 ZZ 360 499,558.87 1 6.625 3,201.55 61 6.375 3,201.55 BRONXVILLE NY 10708 5 10/02/03 00 0436708689 01 12/01/03 0 LG16017 O 11/01/33 0 8747194 W53/G02 F 143,450.00 ZZ 360 142,926.07 1 6.500 907.65 94 6.250 907.65 SENOIA GA 30276 5 07/21/03 11 0437015605 05 09/01/03 30 1308001040 O 08/01/33 0 1 8751006 806/G02 F 174,350.00 ZZ 360 174,056.20 1 6.875 1,145.36 80 6.625 1,145.36 MARANA AZ 85743 1 09/18/03 00 0436708341 03 11/01/03 0 1160005455 O 10/01/33 0 8753206 K88/G02 F 387,750.00 ZZ 360 387,080.43 1 6.750 2,514.94 80 6.500 2,514.94 LOPATCONG TOWNS NJ 08886 1 09/19/03 00 0436759237 05 11/01/03 0 22866 O 10/01/33 0 8753208 K88/G02 F 140,000.00 ZZ 360 139,382.80 1 5.500 794.91 59 5.250 794.91 DARTMOUTH MA 02747 1 07/14/03 00 0436753081 05 09/01/03 0 21051 O 08/01/33 0 8753218 K88/G02 F 275,000.00 ZZ 360 274,547.86 1 7.000 1,829.58 45 6.750 1,829.58 SOUTH ORANGE NJ 07079 5 09/26/03 00 0436769194 05 11/01/03 0 23015 O 10/01/33 0 8753930 601/G02 F 143,900.00 ZZ 360 143,375.39 1 6.500 909.55 80 6.250 909.55 WINCHENDON MA 01475 1 08/04/03 00 0436731699 05 09/01/03 0 63331813 O 08/01/33 0 8755135 E47/G02 F 263,500.00 ZZ 360 262,016.07 2 1 6.375 1,643.90 80 6.125 1,643.90 OAKLEY CA 94561 5 05/22/03 00 0437035819 05 07/01/03 0 7359514424 N 06/01/33 0 8755400 E22/G02 F 80,100.00 ZZ 360 80,029.33 1 6.625 512.89 90 6.375 512.89 BERTRAM TX 78605 1 10/07/03 01 0418719365 05 12/01/03 25 0418719365 N 11/01/33 0 8756034 286/286 F 254,000.00 ZZ 360 252,087.24 1 6.125 1,543.34 59 5.875 1,543.34 MANALAPAN NJ 07726 5 04/17/03 00 2151732 05 06/01/03 0 2151732 O 05/01/33 0 8756040 286/286 F 143,350.00 ZZ 360 143,096.34 1 6.625 917.89 80 6.375 917.89 PEARLAND TX 77581 1 09/17/03 00 2792575 05 11/01/03 0 2792575 O 10/01/33 0 8756044 286/286 F 126,000.00 ZZ 360 125,621.79 1 6.000 755.44 90 5.750 755.44 LACEY WA 98503 1 08/27/03 12 2696242 05 10/01/03 25 2696242 N 09/01/33 0 8756068 286/286 F 225,000.00 ZZ 360 224,429.63 1 6.875 1,478.10 75 6.625 1,478.10 SAN MARCOS CA 92069 1 08/08/03 00 2675338 05 10/01/03 0 1 2675338 N 09/01/33 0 8756090 286/286 F 63,920.00 ZZ 360 63,728.12 2 6.000 383.24 61 5.750 383.24 NORFOLK VA 23503 2 08/25/03 00 2652098 05 10/01/03 0 2652098 N 09/01/33 0 8756092 286/286 F 82,100.00 ZZ 360 81,971.51 1 7.250 560.07 95 7.000 560.07 EL PASO TX 79927 1 09/22/03 10 2808300 05 11/01/03 25 2808300 O 10/01/33 0 8756096 286/286 F 42,350.00 ZZ 360 42,252.71 1 7.375 292.51 90 7.125 292.51 NORFOLK VA 23509 1 08/20/03 11 2529627 05 10/01/03 30 2529627 N 09/01/33 0 8756100 286/286 F 131,200.00 ZZ 360 130,524.58 1 5.875 776.10 80 5.625 776.10 JACKSONVILLE BE FL 32250 1 06/13/03 00 2700727 05 08/01/03 0 2700727 N 07/01/33 0 8756104 286/286 F 128,000.00 ZZ 360 127,650.97 1 6.500 809.05 80 6.250 809.05 ANNAPOLIS MD 21401 1 08/22/03 00 2719976 03 10/01/03 0 2719976 N 09/01/33 0 1 8756106 286/286 F 200,000.00 ZZ 360 199,628.54 1 6.375 1,247.74 43 6.125 1,247.74 HENDERSON NV 89012 1 09/10/03 00 2738688 05 11/01/03 0 2738688 O 10/01/33 0 8756110 286/286 F 42,000.00 ZZ 360 41,882.67 2 6.375 262.03 54 6.125 262.03 PORTSMOUTH VA 23702 2 08/18/03 00 2501817 05 10/01/03 0 2501817 N 09/01/33 0 8756116 286/286 F 180,000.00 ZZ 360 179,520.93 1 6.625 1,152.56 90 6.375 1,152.56 ROCKVILLE MD 20853 1 08/18/03 04 2667789 05 10/01/03 25 2667789 N 09/01/33 0 8756122 286/286 F 80,000.00 ZZ 360 79,754.09 1 5.875 473.24 80 5.625 473.24 BOWLING GREEN KY 42104 1 08/04/03 00 2597861 05 10/01/03 0 2597861 N 09/01/33 0 8756130 286/286 F 63,000.00 ZZ 360 62,828.19 1 6.500 398.21 67 6.250 398.21 GASTONIA NC 28056 2 09/04/03 00 2738376 05 10/01/03 0 2738376 N 09/01/33 0 8756132 286/286 F 190,000.00 ZZ 360 189,862.48 1 7.625 1,344.81 95 7.375 1,344.81 1 ELLICOT CITY MD 21228 1 10/01/03 10 2746709 05 12/01/03 25 2746709 O 11/01/33 0 8756136 286/286 F 81,750.00 ZZ 360 81,498.71 1 5.875 483.59 78 5.625 483.59 CLARKSVILLE IN 47129 2 08/21/03 00 2605843 05 10/01/03 0 2605843 N 09/01/33 0 8756144 286/286 F 250,000.00 ZZ 360 249,546.75 1 6.500 1,580.18 50 6.250 1,580.18 ALLENWOOD NJ 08720 5 09/12/03 00 2735204 05 11/01/03 0 2735204 O 10/01/33 0 8756146 286/286 F 125,000.00 ZZ 360 124,498.49 1 6.000 749.44 70 5.750 749.44 HIGHLAND PARK IL 60035 5 07/23/03 00 2499454 01 09/01/03 0 2499454 N 08/01/33 0 8756148 286/286 F 90,000.00 ZZ 360 89,682.20 1 7.125 606.35 90 6.875 606.35 EAST LANSING MI 48823 1 08/28/03 12 2684551 05 10/01/03 25 2684551 O 09/01/33 0 8756150 286/286 F 110,250.00 ZZ 360 109,963.63 1 6.750 715.08 90 6.500 715.08 PORTLAND OR 97220 1 08/19/03 14 2649670 05 10/01/03 25 2649670 N 09/01/33 0 1 8756152 286/286 F 51,300.00 ZZ 360 51,173.08 1 7.000 341.31 90 6.750 341.31 MAITLAND FL 32751 1 08/12/03 10 2681913 01 10/01/03 25 2681913 N 09/01/33 0 8756154 286/286 F 252,000.00 ZZ 360 251,585.65 1 7.000 1,676.57 80 6.750 1,676.57 SILVER SPRING MD 20908 1 09/30/03 00 2791637 05 11/01/03 0 2791637 O 10/01/33 0 8756156 286/286 F 80,000.00 ZZ 360 79,754.09 1 5.875 473.24 75 5.625 473.24 WILMINGTON NC 28403 5 08/15/03 00 2619195 05 10/01/03 0 2619195 N 09/01/33 0 8756160 286/286 F 80,000.00 ZZ 360 79,754.09 1 5.875 473.24 75 5.625 473.24 WILMINGTON NC 28409 5 08/15/03 00 2619197 05 10/01/03 0 2619197 N 09/01/33 0 8756164 286/286 F 175,000.00 ZZ 360 174,474.72 4 6.000 1,049.22 70 5.750 1,049.22 AURORA IL 60506 5 08/22/03 00 2682674 05 10/01/03 0 2682674 N 09/01/33 0 8756166 286/286 F 59,000.00 ZZ 360 58,543.85 1 1 6.250 363.28 50 6.000 363.28 NOVI MI 48377 1 03/31/03 00 2153281 01 05/01/03 0 2153281 O 04/01/33 0 8756168 286/286 F 245,000.00 ZZ 360 243,307.35 2 6.125 1,488.65 53 5.875 1,488.65 NORWOOD MA 02062 5 05/02/03 00 2180367 05 06/01/03 0 2180367 N 05/01/33 0 8756172 286/286 F 123,000.00 ZZ 360 122,630.81 1 6.000 737.45 46 5.750 737.45 BURKE VA 22015 2 08/08/03 00 2597221 01 10/01/03 0 2597221 N 09/01/33 0 8756178 286/286 F 230,800.00 ZZ 360 229,639.61 1 6.000 1,383.77 80 5.750 1,383.77 ARLINGTON VA 22205 1 06/10/03 00 2486615 05 08/01/03 0 2486615 N 07/01/33 0 8756180 286/286 F 77,600.00 ZZ 360 77,152.41 2 6.250 477.80 77 6.000 477.80 ALTON IL 62002 5 05/02/03 00 2291337 05 07/01/03 0 2291337 N 06/01/33 0 8756182 286/286 F 207,100.00 ZZ 360 206,790.49 1 7.500 1,448.08 95 7.250 1,448.08 ELGIN IL 60123 1 09/24/03 11 2809181 05 11/01/03 30 1 2809181 O 10/01/33 0 8756204 286/286 F 112,300.00 ZZ 360 111,978.64 1 6.250 691.46 87 6.000 691.46 HOLT MI 48842 2 08/27/03 10 2476174 05 10/01/03 25 2476174 N 09/01/33 0 8756250 286/286 F 76,800.00 ZZ 360 76,413.86 1 6.000 460.46 80 5.750 460.46 IMPERIAL CA 92251 5 06/10/03 00 2386147 01 08/01/03 0 2386147 N 07/01/33 0 8756260 286/286 F 260,000.00 ZZ 360 258,956.90 1 6.000 1,558.84 71 5.750 1,558.84 LONGMONT CO 80503 2 07/22/03 00 2569991 05 09/01/03 0 2569991 N 08/01/33 0 8756262 286/286 F 113,600.00 ZZ 360 113,250.83 1 5.875 671.99 80 5.625 671.99 REDFORD MI 48240 2 08/14/03 00 2629836 05 10/01/03 0 2629836 N 09/01/33 0 8756268 286/286 F 127,200.00 ZZ 360 126,809.03 1 5.875 752.44 80 5.625 752.44 GARDEN CITY MI 48135 2 08/14/03 00 2629845 05 10/01/03 0 2629845 N 09/01/33 0 1 8756274 286/286 F 152,250.00 ZZ 360 151,782.03 1 5.875 900.62 75 5.625 900.62 LIVONIA MI 48154 2 08/14/03 00 2629868 05 10/01/03 0 2629868 N 09/01/33 0 8756276 286/286 F 60,000.00 ZZ 360 40,248.83 1 6.500 379.25 80 6.250 379.25 VIRGINIA BEACH VA 23453 1 09/25/03 00 2787624 05 11/01/03 0 2787624 N 10/01/33 0 8756280 286/286 F 450,000.00 ZZ 360 448,278.69 3 6.250 2,770.73 45 6.000 2,770.73 WASHINGTON DC 20010 5 07/28/03 00 2452978 05 09/01/03 0 2452978 N 08/01/33 0 8756284 286/286 F 73,500.00 ZZ 360 73,225.50 2 6.375 458.55 70 6.125 458.55 SAGINAW MI 48601 5 08/01/03 00 2634201 05 09/01/03 0 2634201 N 08/01/33 0 8756288 286/286 F 160,000.00 ZZ 360 159,584.39 2 6.750 1,037.76 80 6.500 1,037.76 CLEVELAND HEIGH OH 44118 1 08/25/03 00 2720779 05 10/01/03 0 2720779 N 09/01/33 0 8756290 286/286 F 359,950.00 ZZ 360 359,328.44 1 6.750 2,334.63 90 6.500 2,334.63 1 NEW BRUNSWICK NJ 08901 1 09/25/03 12 2796196 05 11/01/03 25 2796196 O 10/01/33 0 8756292 286/286 F 122,400.00 ZZ 360 122,074.20 1 6.625 783.75 80 6.375 783.75 COVINGTON GA 30016 5 08/29/03 00 2756473 05 10/01/03 0 2756473 N 09/01/33 0 8756296 286/286 F 67,000.00 ZZ 360 66,808.26 1 6.250 412.54 51 6.000 412.54 ROUND ROCK TX 78664 1 08/13/03 00 2705275 05 10/01/03 0 2705275 N 09/01/33 0 8756300 286/286 F 72,000.00 ZZ 360 71,778.69 1 5.875 425.91 75 5.625 425.91 READING PA 19605 2 08/13/03 00 2596363 05 10/01/03 0 2596363 N 09/01/33 0 8756306 286/286 F 322,000.00 ZZ 360 320,804.77 1 5.625 1,853.61 64 5.375 1,853.61 HIGHLANDS NC 28741 5 08/06/03 00 2624879 05 10/01/03 0 2624879 O 09/01/33 0 8756308 286/286 F 111,200.00 ZZ 360 110,858.18 1 5.875 657.80 80 5.625 657.80 DENVER CO 80220 1 08/07/03 00 2674466 05 10/01/03 0 2674466 N 09/01/33 0 1 8756326 286/286 F 160,000.00 ZZ 360 159,688.18 1 6.125 972.18 77 5.875 972.18 WARWICK RI 02889 5 09/11/03 00 2650589 05 11/01/03 0 2650589 O 10/01/33 0 8756366 286/286 F 120,800.00 ZZ 360 120,303.72 1 5.875 714.58 80 5.625 714.58 SMYRNA GA 30082 5 07/21/03 00 2560259 05 09/01/03 0 2560259 N 08/01/33 0 8756368 286/286 F 140,000.00 ZZ 360 139,424.83 1 5.875 828.16 80 5.625 828.16 MARIETTA GA 30060 5 07/21/03 00 2560774 05 09/01/03 0 2560774 N 08/01/33 0 8756374 286/286 F 64,200.00 ZZ 360 63,942.44 2 6.000 384.92 60 5.750 384.92 GRIFFIN GA 30224 2 07/23/03 00 2392556 05 09/01/03 0 2392556 N 08/01/33 0 8756376 286/286 F 196,000.00 ZZ 360 195,700.79 1 7.375 1,353.73 80 7.125 1,353.73 ASHBURN VA 20147 1 09/23/03 00 2785108 05 11/01/03 0 2785108 O 10/01/33 0 8756378 286/286 F 49,500.00 ZZ 360 49,301.40 2 1 6.000 296.78 90 5.750 296.78 PERU IN 46970 1 07/31/03 11 2661731 05 09/01/03 25 2661731 N 08/01/33 0 8756382 286/286 F 36,900.00 ZZ 360 36,819.36 1 7.625 261.18 90 7.375 261.18 SAINT LOUIS MO 63118 1 08/22/03 11 2759499 05 10/01/03 25 2759499 N 09/01/33 0 8756384 286/286 F 117,100.00 ZZ 360 116,662.71 1 6.375 730.55 75 6.125 730.55 ST CLAIR SHORES MI 48080 5 07/29/03 00 2774031 05 09/01/03 0 2774031 O 08/01/33 0 8756386 286/286 F 124,450.00 ZZ 360 123,667.97 1 6.625 796.87 95 6.375 796.87 MIAMI FL 33169 1 04/11/03 12 2235511 05 06/01/03 30 2235511 O 05/01/33 0 8756390 286/286 F 46,800.00 ZZ 360 46,692.50 1 7.375 323.24 65 7.125 323.24 KANSAS CITY MO 64130 5 08/28/03 00 2704714 05 10/01/03 0 2704714 N 09/01/33 0 8756396 286/286 F 176,000.00 ZZ 360 174,626.81 1 5.750 1,027.09 70 5.500 1,027.09 CORNELIUS NC 28031 2 09/10/03 00 2618100 05 11/01/03 0 1 2618100 O 10/01/33 0 8756402 286/286 F 61,500.00 ZZ 360 61,324.01 3 6.250 378.67 71 6.000 378.67 LEBANON PA 17046 2 08/06/03 00 2506544 05 10/01/03 0 2506544 N 09/01/33 0 8756406 286/286 F 106,000.00 ZZ 360 105,803.11 1 6.375 661.31 80 6.125 661.31 FAIRVIEW PARK OH 44126 1 09/25/03 00 2572389 05 11/01/03 0 2572389 O 10/01/33 0 8756410 286/286 F 240,350.00 ZZ 360 239,924.71 1 6.625 1,538.99 95 6.375 1,538.99 NORTH PLAINFIEL NJ 07060 5 09/12/03 12 2622126 05 11/01/03 30 2622126 O 10/01/33 0 8756412 286/286 F 58,600.00 ZZ 360 58,237.06 1 5.875 346.65 42 5.625 346.65 FAYETTEVILLE GA 30214 2 05/16/03 00 2287100 05 07/01/03 0 2287100 N 06/01/33 0 8756418 286/286 F 153,200.00 ZZ 360 152,948.10 1 7.000 1,019.25 80 6.750 1,019.25 ALEXANDRIA VA 22206 1 09/26/03 00 2695027 01 11/01/03 0 2695027 O 10/01/33 0 1 8756420 286/286 F 120,000.00 ZZ 360 119,656.61 1 6.250 738.87 80 6.000 738.87 DISTRICT HEIGHT MD 20747 2 08/08/03 00 2637670 05 10/01/03 0 2637670 N 09/01/33 0 8756422 286/286 F 118,300.00 ZZ 360 118,095.70 1 6.750 767.30 80 6.500 767.30 BLOOMINGTON IL 61704 1 09/29/03 00 2785020 05 11/01/03 0 2785020 O 10/01/33 0 8756424 286/286 F 170,400.00 ZZ 360 169,369.41 1 6.000 1,021.64 80 5.750 1,021.64 HIGHLANDS RANCH CO 80126 5 05/23/03 00 2354108 05 07/01/03 0 2354108 N 06/01/33 0 8756428 286/286 F 185,600.00 ZZ 360 185,106.02 1 6.625 1,188.42 80 6.375 1,188.42 MIDLOTHIAN VA 23113 1 08/22/03 00 2742842 05 10/01/03 0 2742842 O 09/01/33 0 8756430 286/286 F 72,000.00 ZZ 360 71,617.97 1 6.750 467.00 80 6.500 467.00 JEFFERSONVILLE VT 05464 1 09/15/03 00 2484614 01 11/01/03 0 2484614 O 10/01/33 0 8756436 286/286 F 80,000.00 ZZ 360 79,811.62 1 7.250 545.75 90 7.000 545.75 1 WAUKEGAN IL 60085 1 08/28/03 14 2715026 05 10/01/03 25 2715026 N 09/01/33 0 8756440 286/286 F 286,200.00 ZZ 360 285,526.16 1 7.250 1,952.39 90 7.000 1,952.39 AUSTIN TX 78738 1 08/26/03 19 2752167 05 10/01/03 25 2752167 N 09/01/33 0 8756444 286/286 F 57,600.00 ZZ 360 57,246.88 1 6.750 373.60 80 6.500 373.60 MUNCIE IN 47303 5 04/30/03 00 2211621 05 06/01/03 0 2211621 N 05/01/33 0 8756446 286/286 F 284,000.00 ZZ 360 282,037.89 1 6.125 1,725.62 68 5.875 1,725.62 UPLAND CA 91784 5 04/07/03 00 2081765 05 06/01/03 0 2081765 O 05/01/33 0 8756452 286/286 F 38,400.00 ZZ 360 38,224.50 1 6.500 242.72 86 6.250 242.72 MCKEESPORT PA 15132 1 06/11/03 10 2498410 05 08/01/03 25 2498410 N 07/01/33 0 8756454 286/286 F 218,000.00 ZZ 360 216,457.81 1 6.000 1,307.03 69 5.750 1,307.03 CORAL SPRINGS FL 33076 1 04/10/03 00 2232085 03 06/01/03 0 2232085 O 05/01/33 0 1 8756456 286/286 F 231,518.00 ZZ 360 230,806.39 1 5.875 1,369.52 79 5.625 1,369.52 MARIETTA GA 30068 2 08/06/03 00 2629473 05 10/01/03 0 2629473 N 09/01/33 0 8756460 286/286 F 127,000.00 ZZ 360 126,101.60 1 6.000 761.43 72 5.750 761.43 ALBUQ NM 87114 2 04/30/03 00 2262413 05 06/01/03 0 2262413 N 05/01/33 0 8756464 286/286 F 185,250.00 ZZ 360 184,680.59 4 5.875 1,095.83 65 5.625 1,095.83 OLYMPIA WA 98502 2 08/04/03 00 2658871 05 10/01/03 0 2658871 N 09/01/33 0 8756468 286/286 F 74,750.00 ZZ 360 74,555.83 1 6.750 484.83 72 6.500 484.83 PANAMA CITY BEA FL 32413 5 08/27/03 00 2671454 05 10/01/03 0 2671454 N 09/01/33 0 8756470 286/286 F 69,300.00 T 360 69,196.81 1 7.500 484.56 90 7.250 484.56 NORFOLK VA 23507 1 09/16/03 11 2748161 01 11/01/03 25 2748161 O 10/01/33 0 8756476 286/286 F 80,100.00 ZZ 360 79,891.92 1 1 6.750 519.53 90 6.500 519.53 CHESAPEAKE VA 23322 1 08/29/03 10 2678096 05 10/01/03 25 2678096 N 09/01/33 0 8756490 286/286 F 111,350.00 ZZ 264 110,745.40 1 6.125 768.86 80 5.875 768.86 MARYVILLE TN 37804 2 08/06/03 00 2441230 05 10/01/03 0 2441230 N 09/01/25 0 8756496 286/286 F 258,650.00 ZZ 360 257,927.50 1 6.375 1,613.64 78 6.125 1,613.64 HOUSTON TX 77041 2 08/06/03 00 2728083 05 10/01/03 0 2728083 N 09/01/33 0 8756502 286/286 F 66,500.00 ZZ 360 66,305.09 3 6.125 404.07 64 5.875 404.07 ERIE PA 16507 5 08/06/03 00 2535406 05 10/01/03 0 2535406 N 09/01/33 0 8756506 286/286 F 135,900.00 ZZ 360 135,482.29 1 5.875 803.90 80 5.625 803.90 CHESWICK PA 15024 1 08/11/03 00 2742626 05 10/01/03 0 2742626 N 09/01/33 0 8756510 286/286 F 53,500.00 ZZ 360 53,409.84 1 6.875 351.46 73 6.625 351.46 TUCSON AZ 85713 2 09/03/03 00 2731549 05 11/01/03 0 1 2731549 N 10/01/33 0 8756514 286/286 F 46,000.00 ZZ 360 45,922.48 1 6.875 302.19 74 6.625 302.19 SPOKANE WA 99207 2 09/02/03 00 2737772 05 11/01/03 0 2737772 N 10/01/33 0 8756518 286/286 F 64,300.00 ZZ 360 64,035.83 1 5.875 380.36 70 5.625 380.36 EASTLAKE OH 44095 2 08/02/03 00 2550408 05 09/01/03 0 2550408 N 08/01/33 0 8756522 286/286 F 123,109.00 ZZ 360 122,756.71 2 6.250 758.01 80 6.000 758.01 AUSTIN TX 78745 2 08/12/03 00 2500432 05 10/01/03 0 2500432 N 09/01/33 0 8756526 286/286 F 130,000.00 ZZ 360 129,627.99 4 6.250 800.44 62 6.000 800.44 AUSTIN TX 78704 2 08/12/03 00 2495176 05 10/01/03 0 2495176 N 09/01/33 0 8756530 286/286 F 132,695.00 ZZ 360 132,315.29 4 6.250 817.03 64 6.000 817.03 AUSTIN TX 78704 2 08/12/03 00 2500452 05 10/01/03 0 2500452 N 09/01/33 0 1 8756532 286/286 F 104,800.00 ZZ 360 104,109.57 1 6.375 653.82 80 6.125 653.82 PEORIA IL 61614 1 04/18/03 00 2183747 05 06/01/03 0 2183747 O 05/01/33 0 8756568 286/286 F 40,000.00 ZZ 360 39,901.03 1 7.000 266.13 80 6.750 266.13 EL RENO OK 73036 5 08/08/03 00 2500920 05 10/01/03 0 2500920 N 09/01/33 0 8756570 286/286 F 74,550.00 ZZ 348 74,400.74 1 6.375 470.48 68 6.125 470.48 MIAMI FL 33183 2 09/08/03 00 2656996 01 11/01/03 0 2656996 N 10/01/32 0 8756578 286/286 F 45,200.00 ZZ 360 44,942.37 1 7.125 304.53 80 6.875 304.53 BALTIMORE MD 21216 2 04/30/03 00 1938701 05 06/01/03 0 1938701 N 05/01/33 0 8756580 286/286 F 421,200.00 ZZ 360 420,588.36 1 7.625 2,981.23 80 7.375 2,981.23 PLACENTIA CA 92870 1 09/12/03 00 2792785 05 11/01/03 0 2792785 O 10/01/33 0 8756584 286/286 F 286,000.00 ZZ 360 285,455.83 1 6.250 1,760.96 80 6.000 1,760.96 1 PEMBROKE PINES FL 33024 5 09/10/03 00 2706183 05 11/01/03 0 2706183 O 10/01/33 0 8756586 286/286 F 150,000.00 ZZ 360 149,580.98 1 6.375 935.81 75 6.125 935.81 CLIO MI 48420 5 08/11/03 00 2603564 05 10/01/03 0 2603564 N 09/01/33 0 8756592 286/286 F 160,416.00 ZZ 360 159,956.99 1 6.250 987.71 80 6.000 987.71 GILBERT AZ 85297 1 08/26/03 00 2669866 05 10/01/03 0 2669866 O 09/01/33 0 8756596 286/286 F 80,500.00 ZZ 360 80,275.12 1 6.375 502.22 77 6.125 502.22 BLOOMINGTON IL 61701 2 08/08/03 00 2608180 05 10/01/03 0 2608180 N 09/01/33 0 8756602 286/286 F 374,000.00 ZZ 360 373,470.35 1 7.750 2,679.39 72 7.500 2,679.39 DANA POINT CA 92629 5 09/02/03 00 2733652 05 11/01/03 0 2733652 O 10/01/33 0 8756608 286/286 F 197,700.00 ZZ 360 197,364.01 1 7.000 1,315.31 80 6.750 1,315.31 NORMAL IL 61761 1 09/18/03 00 2730264 05 11/01/03 0 2730264 O 10/01/33 0 1 8756610 286/286 F 64,750.00 ZZ 360 64,564.72 1 6.250 398.68 70 6.000 398.68 WATERVILLE MN 56096 2 08/22/03 00 2708089 05 10/01/03 0 2708089 N 09/01/33 0 8756614 286/286 F 56,250.00 ZZ 360 56,107.39 1 6.875 369.53 75 6.625 369.53 VIRGINIA BEACH VA 23453 5 08/26/03 00 2692236 05 10/01/03 0 2692236 N 09/01/33 0 8756622 286/286 F 167,200.00 ZZ 360 166,164.54 1 5.875 989.05 75 5.625 989.05 BALTIMORE MD 21231 5 05/28/03 00 2134875 05 07/01/03 0 2134875 N 06/01/33 0 8756628 286/286 F 140,000.00 ZZ 360 139,645.09 1 6.875 919.71 80 6.625 919.71 BENSALEM PA 19020 1 08/15/03 00 2391269 05 10/01/03 0 2391269 N 09/01/33 0 8756636 286/286 F 56,950.00 ZZ 360 56,783.08 2 6.125 346.04 90 5.875 346.04 CLEVELAND OH 44109 1 08/07/03 10 2638437 05 10/01/03 25 2638437 N 09/01/33 0 8756642 286/286 F 56,950.00 ZZ 360 56,783.08 2 1 6.125 346.04 90 5.875 346.04 CLEVELAND OH 44109 1 08/07/03 10 2638444 05 10/01/03 25 2638444 N 09/01/33 0 8756648 286/286 F 56,950.00 ZZ 360 56,783.08 2 6.125 346.04 90 5.875 346.04 CLEVELAND OH 44109 1 08/07/03 10 2638446 05 10/01/03 25 2638446 N 09/01/33 0 8756650 286/286 F 203,000.00 ZZ 360 202,649.45 2 6.750 1,316.66 77 6.500 1,316.66 CICERO IL 60804 5 09/16/03 00 2732274 05 11/01/03 0 2732274 O 10/01/33 0 8756662 286/286 F 56,500.00 ZZ 360 56,136.60 1 6.500 357.12 58 6.250 357.12 GLEN BURNIE MD 21061 2 04/28/03 00 2243615 01 06/01/03 0 2243615 N 05/01/33 0 8756676 286/286 F 98,800.00 ZZ 360 98,637.55 1 7.000 657.32 42 6.750 657.32 RUIDOSO NM 88345 2 09/03/03 00 2719789 05 11/01/03 0 2719789 O 10/01/33 0 8756698 286/286 F 50,220.00 ZZ 360 49,967.54 1 6.000 301.10 90 5.750 301.10 HOUSTON TX 77069 1 06/30/03 19 2548462 05 08/01/03 25 1 2548462 N 07/01/33 0 8756700 286/286 F 172,000.00 ZZ 360 171,737.42 1 7.375 1,187.97 80 7.125 1,187.97 LONG BEACH CA 90803 1 09/04/03 00 2779312 01 11/01/03 0 2779312 O 10/01/33 0 8756710 286/286 F 116,357.00 ZZ 360 115,932.80 1 6.500 735.46 58 6.250 735.46 ST LOUIS MO 63141 2 07/11/03 00 2630305 05 09/01/03 0 2630305 N 08/01/33 0 8756718 286/286 F 160,000.00 ZZ 360 158,620.57 1 6.875 1,051.09 69 6.625 1,051.09 PORT JEFFERSON NY 11776 5 02/03/03 00 1966836 05 03/01/03 0 1966836 N 02/01/33 0 8756722 286/286 F 66,326.00 ZZ 360 66,161.94 1 7.000 441.27 92 6.750 441.27 SAN ANTONIO TX 78209 1 08/12/03 19 2743607 01 10/01/03 25 2743607 O 09/01/33 0 8756730 286/286 F 232,000.00 ZZ 360 231,609.06 1 6.875 1,524.08 80 6.625 1,524.08 LAKE VILLA IL 60046 5 09/11/03 00 2668319 05 11/01/03 0 2668319 O 10/01/33 0 1 8756732 286/286 F 61,200.00 ZZ 360 61,059.41 1 7.375 422.70 90 7.125 422.70 PHOENIX AZ 85019 1 08/27/03 10 2749880 05 10/01/03 25 2749880 N 09/01/33 0 8756736 286/286 F 360,500.00 T 360 358,687.56 1 6.000 2,161.38 70 5.750 2,161.38 KILL DEVIL HILL NC 27948 1 06/23/03 00 2430997 05 08/01/03 0 2430997 O 07/01/33 0 8756738 286/286 F 42,400.00 ZZ 360 42,282.86 1 6.500 268.00 74 6.250 268.00 CHILLICOTHE OH 45601 5 08/14/03 00 2041341 05 10/01/03 0 2041341 N 09/01/33 0 8756740 286/286 F 210,000.00 ZZ 360 209,619.27 1 6.500 1,327.35 80 6.250 1,327.35 KENT WA 98030 1 09/25/03 00 2834280 05 11/01/03 0 2834280 O 10/01/33 0 8756744 286/286 F 144,000.00 ZZ 360 143,643.81 1 7.000 958.04 90 6.750 958.04 GERMANTOWN MD 20874 1 08/29/03 11 2703034 03 10/01/03 25 2703034 N 09/01/33 0 8756750 286/286 F 187,000.00 ZZ 360 186,477.63 1 6.375 1,166.64 64 6.125 1,166.64 1 WASHINGTON DC 20002 5 08/13/03 00 2627075 05 10/01/03 0 2627075 N 09/01/33 0 8756756 286/286 F 184,800.00 ZZ 360 184,157.76 1 6.750 1,198.61 70 6.500 1,198.61 NEW MILFORD CT 06776 5 08/05/03 00 2399107 05 09/01/03 0 2399107 N 08/01/33 0 8756762 286/286 F 82,600.00 ZZ 360 82,450.25 1 6.500 522.09 70 6.250 522.09 LAKEWOOD CO 80227 5 09/12/03 00 2775527 01 11/01/03 0 2775527 N 10/01/33 0 8756766 286/286 F 265,000.00 ZZ 360 264,445.32 1 5.750 1,546.47 76 5.500 1,546.47 CHICAGO IL 60653 5 09/09/03 00 2617530 05 11/01/03 0 2617530 O 10/01/33 0 8756770 286/286 F 120,000.00 ZZ 360 119,782.45 1 6.500 758.48 68 6.250 758.48 LAKEWOOD CO 80232 5 09/12/03 00 2775555 01 11/01/03 0 2775555 N 10/01/33 0 8756774 286/286 F 123,150.00 ZZ 360 122,898.27 1 5.875 728.48 80 5.625 728.48 COLUMBUS OH 43240 1 09/15/03 00 2160561 01 11/01/03 0 2160561 O 10/01/33 0 1 8756784 286/286 F 260,280.00 ZZ 360 259,784.78 1 6.250 1,602.59 90 6.000 1,602.59 LOUISVILLE KY 40205 1 09/15/03 12 2765275 05 11/01/03 25 2765275 O 10/01/33 0 8756788 286/286 F 268,000.00 ZZ 360 267,353.22 1 7.125 1,805.57 78 6.875 1,805.57 FAIRFAX VA 22033 1 08/25/03 00 2691672 05 10/01/03 0 2691672 N 09/01/33 0 8756794 286/286 F 128,000.00 ZZ 360 127,555.43 2 6.750 830.21 80 6.500 830.21 HARTFORD CT 06112 5 07/25/03 00 2396804 05 09/01/03 0 2396804 N 08/01/33 0 8756800 286/286 F 57,200.00 ZZ 360 56,981.16 1 6.250 352.20 79 6.000 352.20 HINESVILLE GA 31313 2 07/28/03 00 2530809 05 09/01/03 0 2530809 N 08/01/33 0 8756802 286/286 F 161,800.00 ZZ 360 160,831.91 4 6.875 1,062.92 90 6.625 1,062.92 VANCOUVER WA 98660 2 04/07/03 11 2173523 05 06/01/03 25 2173523 O 05/01/33 0 8756806 286/286 F 68,000.00 ZZ 360 67,831.79 2 1 7.000 452.41 80 6.750 452.41 PORT JERVIS NY 12771 1 08/19/03 00 2357051 05 10/01/03 0 2357051 N 09/01/33 0 8756812 286/286 F 132,000.00 ZZ 360 131,201.61 2 6.000 791.41 80 5.750 791.41 MOUNTAIN VIEW HI 96771 5 05/05/03 00 2237061 05 07/01/03 0 2237061 N 06/01/33 0 8756814 286/286 F 184,000.00 ZZ 360 183,674.41 1 6.625 1,178.18 69 6.375 1,178.18 KALEVA MI 49645 5 09/06/03 00 2599692 05 11/01/03 0 2599692 O 10/01/33 0 8756850 286/286 F 129,040.00 ZZ 360 128,800.32 1 6.375 805.05 80 6.125 805.05 PORTLAND OR 97217 1 09/04/03 00 2712952 01 11/01/03 0 2712952 N 10/01/33 0 8756868 286/286 F 123,750.00 ZZ 360 123,378.54 1 6.000 741.95 75 5.750 741.95 MT PLEASANT SC 29464 1 08/22/03 00 2697919 05 10/01/03 0 2697919 N 09/01/33 0 8756874 286/286 F 168,000.00 ZZ 360 167,530.68 2 6.375 1,048.11 80 6.125 1,048.11 COLUMBUS OH 43212 1 08/14/03 00 2691013 05 10/01/03 0 1 2691013 N 09/01/33 0 8756880 286/286 F 63,000.00 ZZ 360 62,836.35 1 6.750 408.62 64 6.500 408.62 BURLESON TX 76028 2 08/25/03 00 2716379 05 10/01/03 0 2716379 N 09/01/33 0 8756884 286/286 F 220,000.00 ZZ 360 219,638.27 1 7.000 1,463.67 80 6.750 1,463.67 AURORA CO 80012 1 09/26/03 00 2797271 05 11/01/03 0 2797271 O 10/01/33 0 8756886 286/286 F 122,400.00 ZZ 360 122,066.22 1 6.500 773.66 80 6.250 773.66 OVERLAND PARK KS 66202 5 08/29/03 00 2694149 05 10/01/03 0 2694149 N 09/01/33 0 8756890 286/286 F 108,000.00 ZZ 360 107,835.13 1 7.375 745.93 80 7.125 745.93 GLEN BURNIE MD 21060 1 09/19/03 00 2758006 05 11/01/03 0 2758006 O 10/01/33 0 8756892 286/286 F 260,000.00 ZZ 360 259,181.31 1 7.250 1,773.66 64 7.000 1,773.66 COSTA MESA CA 92627 5 07/29/03 00 2665673 05 09/01/03 0 2665673 N 08/01/33 0 1 8756918 286/286 F 76,500.00 ZZ 360 76,361.30 1 6.500 483.54 90 6.250 483.54 STUART FL 34996 1 09/03/03 10 2705065 05 11/01/03 25 2705065 N 10/01/33 0 8756924 286/286 F 139,400.00 ZZ 360 139,037.90 1 6.750 904.15 90 6.500 904.15 FRANKLIN IN 46131 1 08/04/03 11 2628148 05 10/01/03 25 2628148 N 09/01/33 0 8756934 286/286 F 353,000.00 ZZ 360 352,419.61 1 7.000 2,348.52 79 6.750 2,348.52 BELLAIRE TX 77401 1 09/24/03 00 2733109 05 11/01/03 0 2733109 O 10/01/33 0 8756936 286/286 F 115,200.00 ZZ 360 114,845.89 1 5.875 681.46 80 5.625 681.46 ANKENY IA 50021 1 08/28/03 00 2701890 05 10/01/03 0 2701890 N 09/01/33 0 8756940 286/286 F 108,000.00 ZZ 360 107,657.13 1 5.875 638.87 80 5.625 638.87 CHIPPEWA LAKE OH 44215 5 09/08/03 00 2661568 05 11/01/03 0 2661568 O 10/01/33 0 8756942 286/286 F 52,850.00 ZZ 360 52,685.54 1 5.875 312.63 75 5.625 312.63 1 AKRON OH 44304 5 08/27/03 00 2528831 05 10/01/03 0 2528831 N 09/01/33 0 8756948 286/286 F 67,900.00 ZZ 360 67,710.32 1 6.375 423.61 80 6.125 423.61 ARLINGTON TX 76014 1 08/14/03 11 2717364 05 10/01/03 25 2717364 N 09/01/33 0 8757102 286/286 F 71,950.00 ZZ 360 71,734.03 1 6.000 431.38 70 5.750 431.38 WEST MELBOURNE FL 32904 5 08/14/03 00 2489003 05 10/01/03 0 2489003 N 09/01/33 0 8757236 286/286 F 97,850.00 ZZ 360 97,707.91 3 7.625 692.58 95 7.375 692.58 ST ALBANS VT 05478 1 09/12/03 12 2617977 05 11/01/03 30 2617977 O 10/01/33 0 8757238 286/286 F 77,500.00 ZZ 360 77,381.68 1 7.375 535.28 73 7.125 535.28 NORMAN OK 73071 2 09/10/03 00 2794500 05 11/01/03 0 2794500 N 10/01/33 0 8757248 286/286 F 51,300.00 ZZ 360 51,149.16 1 6.125 311.71 90 5.875 311.71 MONROE NC 28110 1 08/05/03 21 2474978 05 10/01/03 30 2474978 N 09/01/33 0 1 8757252 286/286 F 350,000.00 ZZ 360 347,444.39 1 6.750 2,270.10 90 6.500 2,270.10 MOUNT VERNON NY 10552 5 04/05/03 12 2160546 05 06/01/03 25 2160546 O 05/01/33 0 8757258 286/286 F 357,000.00 ZZ 360 356,252.75 1 5.750 2,083.36 65 5.500 2,083.36 ANGOLA IN 46703 2 09/08/03 00 2602667 05 11/01/03 0 2602667 O 10/01/33 0 8757276 286/286 F 165,072.00 ZZ 360 163,699.45 1 6.500 1,043.37 80 6.250 1,043.37 PLANO TX 75074 1 02/28/03 00 2027954 05 04/01/03 0 2027954 O 03/01/33 0 8757290 286/286 F 233,600.00 ZZ 360 232,881.99 1 5.875 1,381.83 80 5.625 1,381.83 MESA AZ 85213 2 08/26/03 00 2628653 05 10/01/03 0 2628653 O 09/01/33 0 8757292 286/286 F 76,000.00 ZZ 360 75,771.88 1 6.000 455.66 61 5.750 455.66 EDGEWOOD MD 21040 5 08/25/03 00 2586016 05 10/01/03 0 2586016 N 09/01/33 0 8757298 286/286 F 81,000.00 ZZ 360 80,667.21 1 1 5.875 479.15 64 5.625 479.15 TEMPE AZ 85282 2 07/15/03 00 2418530 05 09/01/03 0 2418530 N 08/01/33 0 8757302 286/286 F 214,550.00 ZZ 360 214,111.42 1 5.875 1,269.15 80 5.625 1,269.15 FORT WORTH TX 76135 1 09/24/03 00 2593397 05 11/01/03 0 2593397 O 10/01/33 0 8757306 286/286 F 146,150.00 ZZ 360 145,770.36 1 6.750 947.93 90 6.500 947.93 GOODYEAR AZ 85338 1 07/30/03 12 2656151 05 10/01/03 25 2656151 N 09/01/33 0 8757326 286/286 F 206,500.00 ZZ 360 206,176.83 1 7.250 1,408.70 70 7.000 1,408.70 SOMERSET NJ 08873 5 09/10/03 00 2750517 05 11/01/03 0 2750517 N 10/01/33 0 8757328 286/286 F 76,500.00 ZZ 360 75,908.57 1 6.250 471.03 90 6.000 471.03 MIAMI FL 33179 1 03/24/03 21 2150104 01 05/01/03 25 2150104 O 04/01/33 0 8757332 286/286 F 67,500.00 ZZ 360 67,337.07 1 7.125 454.77 90 6.875 454.77 BOURBONNAIS IL 60914 1 08/28/03 04 2735861 05 10/01/03 25 1 2735861 N 09/01/33 0 8757334 286/286 F 164,000.00 ZZ 360 162,553.44 1 6.500 1,036.60 80 6.250 1,036.60 ROYALSTON MA 01368 5 04/04/03 00 2110299 05 06/01/03 0 2110299 O 05/01/33 0 8757338 286/286 F 204,000.00 ZZ 360 203,443.74 1 6.500 1,289.42 80 6.250 1,289.42 KEY LARGO FL 33037 5 08/15/03 00 2644386 05 10/01/03 0 2644386 N 09/01/33 0 8757344 286/286 F 128,000.00 ZZ 360 127,606.58 1 5.875 757.17 69 5.625 757.17 MARIETTA GA 30067 2 08/19/03 00 2654325 05 10/01/03 0 2654325 N 09/01/33 0 8757350 286/286 F 147,000.00 ZZ 360 146,548.15 1 5.875 869.57 70 5.625 869.57 MARIETTA GA 30067 5 08/19/03 00 2639962 05 10/01/03 0 2639962 N 09/01/33 0 8757356 286/286 F 157,500.00 ZZ 360 157,138.23 1 7.375 1,087.82 90 7.125 1,087.82 PLANO TX 75023 1 08/29/03 11 2758356 05 10/01/03 25 2758356 N 09/01/33 0 1 8757362 286/286 F 45,000.00 ZZ 360 44,861.66 1 5.875 266.20 63 5.625 266.20 LIBRARY PA 15129 2 08/11/03 00 2644967 03 10/01/03 0 2644967 N 09/01/33 0 8757364 286/286 F 108,300.00 ZZ 360 108,117.50 1 6.875 711.46 95 6.625 711.46 FAIRFAX VA 22030 1 09/25/03 11 2810097 01 11/01/03 30 2810097 O 10/01/33 0 8757408 286/286 F 100,000.00 T 360 99,775.96 1 7.500 699.21 59 7.250 699.21 MARS HILL NC 28754 1 08/20/03 00 2724292 05 10/01/03 0 2724292 O 09/01/33 0 8757410 286/286 F 151,600.00 ZZ 360 151,368.57 1 7.375 1,047.07 80 7.125 1,047.07 LEES SUMMIT MO 64064 1 09/26/03 00 2773778 05 11/01/03 0 2773778 O 10/01/33 0 8757418 286/286 F 70,200.00 ZZ 360 70,022.04 1 6.875 461.17 90 6.625 461.17 CATONSVILLE MD 21229 1 08/08/03 11 2676788 05 10/01/03 25 2676788 N 09/01/33 0 8757428 286/286 F 246,000.00 ZZ 360 245,495.48 1 5.875 1,455.18 74 5.625 1,455.18 1 BAY FIELD CO 81122 5 09/19/03 00 2669677 05 11/01/03 0 2669677 O 10/01/33 0 8757432 286/286 F 129,000.00 ZZ 360 128,673.00 1 6.875 847.44 79 6.625 847.44 ZIONSVILLE IN 46077 2 08/06/03 00 2352031 05 10/01/03 0 2352031 N 09/01/33 0 8757438 286/286 F 134,000.00 ZZ 360 133,567.51 4 7.125 902.79 80 6.875 902.79 COLORADO SPRING CO 80903 1 07/28/03 00 2672958 05 09/01/03 0 2672958 N 08/01/33 0 8757440 286/286 F 140,000.00 ZZ 360 138,922.60 2 6.500 884.90 61 6.250 884.90 BERWYN IL 60402 5 03/26/03 00 2215208 05 05/01/03 0 2215208 O 04/01/33 0 8757444 286/286 F 47,700.00 ZZ 360 47,471.32 1 6.250 293.70 90 6.000 293.70 AKRON OH 44305 1 06/06/03 12 2464676 05 08/01/03 25 2464676 N 07/01/33 0 8757454 286/286 F 81,600.00 ZZ 360 81,455.60 1 6.625 522.50 80 6.375 522.50 GREENACRES FL 33463 5 09/12/03 00 2752912 03 11/01/03 0 2752912 O 10/01/33 0 1 8757460 286/286 F 121,700.00 ZZ 336 121,268.21 1 5.875 739.05 79 5.625 739.05 SPRINGFIELD IL 62704 2 08/22/03 00 2404454 01 10/01/03 0 2404454 N 09/01/31 0 8757462 286/286 F 160,000.00 ZZ 360 158,874.97 1 6.500 1,011.31 80 6.250 1,011.31 WEST DUNDEE IL 60118 5 04/14/03 00 2078188 05 06/01/03 0 2078188 O 05/01/33 0 8757468 286/286 F 38,700.00 ZZ 360 38,606.60 2 7.125 260.73 90 6.875 260.73 FORT WAYNE IN 46807 1 08/14/03 11 2695328 05 10/01/03 25 2695328 N 09/01/33 0 8757474 286/286 F 75,500.00 ZZ 360 75,283.96 1 6.250 464.87 75 6.000 464.87 LAPORTE IN 46350 5 08/21/03 00 2529089 05 10/01/03 0 2529089 N 09/01/33 0 8757476 286/286 F 75,000.00 ZZ 360 74,873.62 1 6.875 492.70 59 6.625 492.70 LAUDERDALE LAKE FL 33309 5 09/12/03 00 2767581 05 11/01/03 0 2767581 O 10/01/33 0 8757480 286/286 F 134,300.00 ZZ 360 133,896.89 1 1 6.000 805.20 79 5.750 805.20 PLANO TX 75023 2 08/06/03 00 2667080 05 10/01/03 0 2667080 N 09/01/33 0 8757490 286/286 F 500,000.00 ZZ 360 496,492.88 1 6.250 3,078.59 76 6.000 3,078.59 IRVINE CA 92602 2 04/01/03 00 2047350 05 06/01/03 0 2047350 O 05/01/33 0 8757492 286/286 F 165,300.00 ZZ 360 164,838.25 1 6.375 1,031.26 75 6.125 1,031.26 LITHIA FL 33547 1 08/29/03 00 2681284 05 10/01/03 0 2681284 N 09/01/33 0 8757494 286/286 F 160,636.00 ZZ 360 159,586.68 1 7.125 1,082.24 90 6.875 1,082.24 ELKHART IN 46517 1 03/21/03 12 1532378 05 05/01/03 25 1532378 O 04/01/33 0 8757500 286/286 F 240,000.00 ZZ 360 239,376.59 3 6.750 1,556.64 69 6.500 1,556.64 NEWARK NJ 07102 5 08/22/03 00 2699512 05 10/01/03 0 2699512 N 09/01/33 0 8757508 286/286 F 163,800.00 ZZ 360 163,069.26 4 6.625 1,048.83 49 6.375 1,048.83 WORCESTER MA 01609 5 06/06/03 00 2144746 05 08/01/03 0 1 2144746 N 07/01/33 0 8757518 286/286 F 134,900.00 ZZ 360 134,431.47 1 6.750 874.96 73 6.500 874.96 MORRISON CO 80465 5 07/28/03 00 2634395 05 09/01/03 0 2634395 N 08/01/33 0 8757520 286/286 F 146,400.00 ZZ 360 146,140.95 1 6.625 937.42 80 6.375 937.42 VIRGINIA BEACH VA 23453 5 09/03/03 00 2703968 05 11/01/03 0 2703968 O 10/01/33 0 8757538 286/286 F 63,000.00 ZZ 360 62,801.60 1 7.250 429.78 90 7.000 429.78 DETROIT MI 48234 1 07/30/03 04 2704739 05 09/01/03 25 2704739 N 08/01/33 0 8757544 286/286 F 207,000.00 ZZ 360 206,624.71 1 6.500 1,308.39 90 6.250 1,308.39 PUYALLUP WA 98374 1 09/05/03 14 2771274 05 11/01/03 25 2771274 N 10/01/33 0 8757552 286/286 F 248,000.00 ZZ 360 247,273.16 3 6.125 1,506.88 58 5.875 1,506.88 BOSTON MA 02124 5 08/11/03 00 2618609 05 10/01/03 0 2618609 N 09/01/33 0 1 8757560 286/286 F 68,000.00 ZZ 360 67,839.89 1 7.250 463.88 80 7.000 463.88 URBANA IL 61801 1 08/27/03 00 2726170 05 10/01/03 0 2726170 N 09/01/33 0 8757564 286/286 F 420,000.00 ZZ 360 417,166.75 1 6.375 2,620.26 80 6.125 2,620.26 BLAINE MN 55449 5 04/15/03 00 2200526 05 06/01/03 0 2200526 O 05/01/33 0 8757566 286/286 F 62,100.00 ZZ 360 61,938.69 1 6.750 402.78 90 6.500 402.78 PEORIA IL 61604 1 08/15/03 14 2657566 05 10/01/03 25 2657566 N 09/01/33 0 8757574 286/286 F 58,500.00 ZZ 360 58,291.80 1 6.625 374.59 90 6.375 374.59 SPRINGFIELD IL 62704 1 07/30/03 14 2616929 05 09/01/03 25 2616929 N 08/01/33 0 8757582 286/286 F 249,200.00 ZZ 360 248,769.67 1 6.750 1,616.31 70 6.500 1,616.31 FALLS CHURCH VA 22041 5 09/03/03 00 2714571 05 11/01/03 0 2714571 N 10/01/33 0 8757590 286/286 F 69,600.00 ZZ 360 69,419.19 1 6.750 451.43 80 6.500 451.43 1 BLOOMINGTON IL 61701 1 08/28/03 00 2683410 05 10/01/03 0 2683410 N 09/01/33 0 8757596 286/286 F 85,600.00 ZZ 360 84,287.96 1 6.000 513.22 80 5.750 513.22 SPRING TX 77379 1 03/28/03 00 2165560 05 05/01/03 0 2165560 O 04/01/33 0 8757598 286/286 F 242,100.00 ZZ 360 240,939.36 1 6.250 1,490.66 90 6.000 1,490.66 KITTY HAWK NC 27949 1 06/23/03 10 2426119 05 08/01/03 25 2426119 N 07/01/33 0 8757608 286/286 F 143,910.00 ZZ 360 143,318.75 1 5.875 851.29 90 5.625 851.29 HUDSON WI 54016 1 07/31/03 21 2502993 03 09/01/03 25 2502993 N 08/01/33 0 8757612 286/286 F 209,600.00 ZZ 360 209,238.04 1 6.750 1,359.47 80 6.500 1,359.47 STERLING VA 20164 1 09/26/03 00 2826676 05 11/01/03 0 2826676 O 10/01/33 0 8757616 286/286 F 123,053.00 ZZ 360 122,741.05 1 6.875 808.38 80 6.625 808.38 NAPLES FL 34104 1 08/27/03 00 2712959 01 10/01/03 0 2712959 N 09/01/33 0 1 8757620 286/286 F 180,000.00 ZZ 360 179,673.66 1 6.500 1,137.73 80 6.250 1,137.73 WELLINGTON FL 33414 1 09/10/03 00 2789498 05 11/01/03 0 2789498 O 10/01/33 0 8757624 286/286 F 120,000.00 ZZ 360 119,664.78 1 6.375 748.65 80 6.125 748.65 COPPELL TX 75019 1 08/20/03 00 2703512 05 10/01/03 0 2703512 N 09/01/33 0 8757648 286/286 F 152,000.00 ZZ 360 151,750.09 1 7.000 1,011.26 80 6.750 1,011.26 BLOOMINGTON IL 61704 1 09/26/03 00 2763796 05 11/01/03 0 2763796 O 10/01/33 0 8757658 286/286 F 259,000.00 ZZ 360 258,293.76 1 6.500 1,637.06 58 6.250 1,637.06 LOS ALAMOS CA 93440 1 08/27/03 00 2757540 05 10/01/03 0 2757540 N 09/01/33 0 8757664 286/286 F 70,500.00 ZZ 360 70,298.25 1 6.250 434.09 68 6.000 434.09 DAHLGREN VA 22448 2 08/18/03 00 2581528 05 10/01/03 0 2581528 N 09/01/33 0 8757678 286/286 F 43,200.00 ZZ 360 43,090.47 1 1 6.875 283.80 90 6.625 283.80 PERRY FL 32347 1 08/06/03 14 2533433 05 10/01/03 25 2533433 N 09/01/33 0 8757686 286/286 F 133,000.00 ZZ 360 132,503.31 1 6.375 829.75 51 6.125 829.75 SAN DIEGO CA 92102 5 07/25/03 00 2462274 05 09/01/03 0 2462274 N 08/01/33 0 8757690 286/286 F 650,000.00 T 360 649,056.11 1 7.625 4,600.66 57 7.375 4,600.66 EGG HARBOR WI 54209 5 09/16/03 00 2787114 05 11/01/03 0 2787114 O 10/01/33 0 8757696 286/286 F 74,400.00 ZZ 360 74,211.39 2 6.875 488.76 80 6.625 488.76 ZEBULON GA 30295 2 08/22/03 00 2767946 05 10/01/03 0 2767946 N 09/01/33 0 8757700 286/286 F 306,000.00 ZZ 360 305,389.22 1 6.000 1,834.63 77 5.750 1,834.63 LOMBARD IL 60148 2 09/09/03 00 2671062 05 11/01/03 0 2671062 O 10/01/33 0 8757704 286/286 F 74,400.00 ZZ 360 74,211.39 2 6.875 488.76 80 6.625 488.76 ZEBULON GA 30295 2 08/22/03 00 2767952 05 10/01/03 0 1 2767952 N 09/01/33 0 8757728 286/286 F 74,400.00 ZZ 360 74,211.39 2 6.875 488.76 80 6.625 488.76 ZEBULON GA 30295 2 08/22/03 00 2768058 05 10/01/03 0 2768058 N 09/01/33 0 8757732 286/286 F 68,000.00 ZZ 360 67,555.82 1 7.125 458.13 80 6.875 458.13 LAKE WORTH FL 33461 1 03/31/03 00 1912518 03 05/01/03 0 1912518 O 04/01/33 0 8757734 286/286 F 52,000.00 ZZ 360 51,854.72 1 6.375 324.41 35 6.125 324.41 BLOOMINGTON IN 47401 1 08/07/03 00 2710450 05 10/01/03 0 2710450 N 09/01/33 0 8757740 286/286 F 132,000.00 ZZ 360 131,108.78 2 6.250 812.75 58 6.000 812.75 CHICAGO IL 60647 5 04/07/03 00 2249231 05 06/01/03 0 2249231 O 05/01/33 0 8757754 286/286 F 140,000.00 ZZ 360 139,032.74 1 6.125 850.66 80 5.875 850.66 GOODYEAR AZ 85338 2 04/04/03 00 2214858 05 06/01/03 0 2214858 O 05/01/33 0 1 8757756 286/286 F 134,100.00 ZZ 360 133,825.87 1 5.875 793.26 90 5.625 793.26 MINNEAPOLIS MN 55412 1 09/02/03 21 2663217 05 11/01/03 25 2663217 N 10/01/33 0 8757760 286/286 F 22,960.00 ZZ 360 22,860.03 1 6.750 148.92 90 6.500 148.92 FLINT MI 48506 1 07/01/03 11 2406101 05 08/01/03 25 2406101 N 07/01/33 0 8757764 286/286 F 80,000.00 ZZ 360 79,858.45 1 6.625 512.25 55 6.375 512.25 LAND O LAKES FL 34639 1 09/29/03 00 2799112 05 11/01/03 0 2799112 O 10/01/33 0 8757766 286/286 F 122,400.00 ZZ 360 121,769.86 1 5.875 724.05 90 5.625 724.05 ST PAUL MN 55102 1 06/30/03 12 2585812 01 08/01/03 25 2585812 N 07/01/33 0 8757776 286/286 F 127,200.00 ZZ 360 126,809.03 1 5.875 752.44 80 5.625 752.44 MAPLE SHADE NJ 08052 1 08/25/03 00 2667800 05 10/01/03 0 2667800 N 09/01/33 0 8757784 286/286 F 66,000.00 ZZ 360 65,820.02 2 6.500 417.17 77 6.250 417.17 1 NEW ORLEANS LA 70117 2 08/08/03 00 2479354 05 10/01/03 0 2479354 N 09/01/33 0 8757818 286/286 F 159,500.00 ZZ 360 159,053.93 1 6.375 995.08 55 6.125 995.08 ASHBURN VA 20147 1 08/15/03 00 2691458 03 10/01/03 0 2691458 N 09/01/33 0 8757822 286/286 F 120,000.00 ZZ 360 119,760.46 1 6.000 719.47 56 5.750 719.47 HOMER IL 61849 5 09/10/03 00 2671230 05 11/01/03 0 2671230 O 10/01/33 0 8757826 286/286 F 128,000.00 ZZ 360 127,667.51 1 6.750 830.21 80 6.500 830.21 CINCINNATI OH 45212 1 08/19/03 00 2758573 05 10/01/03 0 2758573 N 09/01/33 0 8757836 286/286 F 126,000.00 ZZ 360 125,646.33 1 6.375 786.08 90 6.125 786.08 CHICAGO IL 60609 1 08/21/03 12 2608515 05 10/01/03 25 2608515 N 09/01/33 0 8757842 286/286 F 520,000.00 ZZ 360 519,123.75 1 6.875 3,416.04 80 6.625 3,416.04 FRANKLIN LAKES NJ 07417 1 09/23/03 00 2718306 05 11/01/03 0 2718306 O 10/01/33 0 1 8757844 286/286 F 235,300.00 ZZ 360 233,974.87 1 6.375 1,467.97 49 6.125 1,467.97 SAN JOSE CA 95123 2 05/01/03 00 2204509 05 07/01/03 0 2204509 N 06/01/33 0 8757852 286/286 F 159,200.00 ZZ 360 158,776.28 1 6.625 1,019.38 95 6.375 1,019.38 ANN ARBOR MI 48103 1 08/06/03 10 2719925 01 10/01/03 25 2719925 O 09/01/33 0 8757860 286/286 F 160,000.00 ZZ 360 159,654.31 1 5.875 946.46 61 5.625 946.46 HOUSTON TX 77005 1 09/17/03 00 2650320 05 11/01/03 0 2650320 O 10/01/33 0 8757872 286/286 F 178,850.00 ZZ 360 178,385.43 1 6.750 1,160.02 90 6.500 1,160.02 PLANO TX 75025 1 08/14/03 11 2707229 05 10/01/03 25 2707229 N 09/01/33 0 8757882 286/286 F 75,600.00 ZZ 360 75,421.99 1 7.250 515.73 90 7.000 515.73 CHESAPEAKE VA 23320 1 08/29/03 11 2676486 05 10/01/03 25 2676486 N 09/01/33 0 8757894 286/286 F 64,800.00 ZZ 360 64,629.10 1 1 6.750 420.30 90 6.500 420.30 SPRINGFIELD OH 45504 1 08/08/03 12 2607961 05 10/01/03 25 2607961 N 09/01/33 0 8757904 286/286 F 196,000.00 ZZ 360 195,465.54 1 6.500 1,238.86 80 6.250 1,238.86 ZIONSVILLE IN 46077 2 08/21/03 00 2588804 05 10/01/03 0 2588804 N 09/01/33 0 8757908 286/286 F 77,000.00 ZZ 360 76,779.65 1 6.250 474.11 62 6.000 474.11 DAYTON OH 45406 2 08/29/03 00 2409516 05 10/01/03 0 2409516 N 09/01/33 0 8757914 286/286 F 89,000.00 ZZ 360 88,838.63 1 6.500 562.55 78 6.250 562.55 TIPP CITY OH 45371 5 09/18/03 00 2800637 05 11/01/03 0 2800637 O 10/01/33 0 8757924 286/286 F 49,000.00 ZZ 360 48,841.83 1 7.125 330.13 67 6.875 330.13 RICHMOND VA 23225 5 08/04/03 00 2253329 05 09/01/03 0 2253329 N 08/01/33 0 8757932 286/286 F 189,000.00 ZZ 360 188,586.98 1 7.625 1,337.74 90 7.375 1,337.74 LAS VEGAS NV 89117 1 08/20/03 12 2705156 05 10/01/03 25 1 2705156 N 09/01/33 0 8757940 286/286 F 134,000.00 ZZ 360 133,751.12 1 6.375 835.99 80 6.125 835.99 MARGATE FL 33068 5 09/12/03 00 2709315 05 11/01/03 0 2709315 O 10/01/33 0 8757942 286/286 F 186,400.00 ZZ 300 184,796.55 1 6.125 1,215.27 71 5.875 1,215.27 MARLBOROUGH MA 01752 2 05/09/03 00 2271680 01 07/01/03 0 2271680 N 06/01/28 0 8757956 286/286 F 103,150.00 ZZ 360 102,352.52 1 6.250 635.12 80 6.000 635.12 MESA AZ 85212 1 03/10/03 00 2106958 01 05/01/03 0 2106958 O 04/01/33 0 8757966 286/286 F 180,000.00 ZZ 360 179,640.70 1 6.000 1,079.20 80 5.750 1,079.20 MARYSVILLE OH 43040 1 09/30/03 00 2786861 05 11/01/03 0 2786861 O 10/01/33 0 8757976 286/286 F 76,400.00 ZZ 360 76,211.00 1 7.000 508.30 75 6.750 508.30 REYNOLDSBURG OH 43068 1 08/20/03 00 2707965 05 10/01/03 0 2707965 N 09/01/33 0 1 8757978 286/286 F 180,000.00 ZZ 360 178,725.81 1 6.000 1,079.20 80 5.750 1,079.20 GARDEN GROVE CA 92844 1 04/01/03 00 2177622 01 06/01/03 0 2177622 O 05/01/33 0 8757984 286/286 F 355,500.00 ZZ 360 354,900.95 2 6.875 2,335.39 90 6.625 2,335.39 MALDEN MA 02148 1 09/25/03 12 2805209 05 11/01/03 25 2805209 O 10/01/33 0 8757998 286/286 F 173,000.00 ZZ 360 172,516.73 4 6.375 1,079.30 62 6.125 1,079.30 DAYTON OH 45429 2 08/19/03 00 2652020 05 10/01/03 0 2652020 N 09/01/33 0 8758000 286/286 F 173,000.00 ZZ 360 172,516.73 4 6.375 1,079.30 62 6.125 1,079.30 DAYTON OH 45429 2 08/19/03 00 2652029 05 10/01/03 0 2652029 N 09/01/33 0 8758046 286/286 F 171,000.00 ZZ 360 170,522.33 4 6.375 1,066.82 62 6.125 1,066.82 DAYTON OH 45429 2 08/19/03 00 2652033 05 10/01/03 0 2652033 N 09/01/33 0 8758054 286/286 F 153,000.00 ZZ 360 152,572.58 4 6.375 954.53 51 6.125 954.53 1 DAYTON OH 45419 2 08/19/03 00 2652041 05 10/01/03 0 2652041 N 09/01/33 0 8758064 286/286 F 61,500.00 ZZ 360 61,374.28 1 5.875 363.80 75 5.625 363.80 PORT ORCHARD WA 98366 5 09/02/03 00 2758682 05 11/01/03 0 2758682 N 10/01/33 0 8758074 286/286 F 60,400.00 ZZ 360 60,303.11 1 7.125 406.93 80 6.875 406.93 HANNA CITY IL 61536 1 09/12/03 00 2755411 05 11/01/03 0 2755411 O 10/01/33 0 8758080 286/286 F 124,000.00 ZZ 360 123,200.37 1 6.500 783.77 80 6.250 783.77 CONSTANTIA NY 13044 5 04/08/03 00 2094571 05 06/01/03 0 2094571 O 05/01/33 0 8758082 286/286 F 54,000.00 ZZ 360 53,866.41 1 7.000 359.27 90 6.750 359.27 TRENTON NJ 08611 1 08/19/03 12 2368737 05 10/01/03 25 2368737 N 09/01/33 0 8758092 286/286 F 63,000.00 ZZ 360 62,844.15 1 7.000 419.15 90 6.750 419.15 PHOENIX AZ 85017 1 08/27/03 10 2743301 03 10/01/03 25 2743301 N 09/01/33 0 1 8758102 286/286 F 159,000.00 ZZ 360 158,718.65 1 6.625 1,018.10 75 6.375 1,018.10 SACRAMENTO CA 95828 1 09/04/03 00 2728041 05 11/01/03 0 2728041 N 10/01/33 0 8758106 286/286 F 82,350.00 ZZ 300 82,107.13 1 5.875 524.31 70 5.625 524.31 PRESCOTT VALLEY AZ 86314 2 09/09/03 00 2609447 05 11/01/03 0 2609447 N 10/01/28 0 8758122 286/286 F 131,400.00 ZZ 360 131,066.90 2 6.875 863.21 90 6.625 863.21 JOLIET IL 60433 1 08/29/03 12 2689198 05 10/01/03 25 2689198 N 09/01/33 0 8758130 286/286 F 181,000.00 ZZ 360 180,687.41 1 6.750 1,173.97 68 6.500 1,173.97 ANTHEM AZ 85086 2 09/05/03 00 2716762 05 11/01/03 0 2716762 N 10/01/33 0 8758138 286/286 F 116,000.00 ZZ 360 115,698.37 1 6.750 752.38 80 6.500 752.38 VIRGINIA BEACH VA 23453 5 09/03/03 00 2302041 05 10/01/03 0 2302041 N 09/01/33 0 8758146 286/286 F 123,000.00 ZZ 360 122,664.59 1 1 6.500 777.45 75 6.250 777.45 WHITE SALMON WA 98672 5 08/19/03 00 2702683 05 10/01/03 0 2702683 N 09/01/33 0 8758154 286/286 F 71,050.00 ZZ 360 70,856.25 1 6.500 449.09 70 6.250 449.09 MCDONOUGH GA 30253 5 08/08/03 00 2525444 05 10/01/03 0 2525444 N 09/01/33 0 8758178 286/286 F 132,800.00 ZZ 360 132,437.87 1 6.500 839.39 53 6.250 839.39 ARLINGTON VA 22201 2 08/27/03 00 2706844 01 10/01/03 0 2706844 N 09/01/33 0 8758186 286/286 F 54,500.00 ZZ 360 54,347.75 1 6.375 340.01 72 6.125 340.01 COLUMBUS OH 43229 2 08/25/03 00 2657117 05 10/01/03 0 2657117 N 09/01/33 0 8758196 286/286 F 54,500.00 ZZ 360 54,347.75 1 6.375 340.01 72 6.125 340.01 COLUMBUS OH 43229 2 08/25/03 00 2657118 05 10/01/03 0 2657118 N 09/01/33 0 8758198 286/286 F 116,500.00 ZZ 360 116,298.82 1 6.750 755.62 69 6.500 755.62 TOLEDO OH 43615 2 09/16/03 00 2657543 01 11/01/03 0 1 2657543 O 10/01/33 0 8758208 286/286 F 150,000.00 ZZ 360 149,610.36 2 6.750 972.90 70 6.500 972.90 WORTHINGTON OH 43085 2 08/25/03 00 2657120 05 10/01/03 0 2657120 N 09/01/33 0 8758210 286/286 F 103,000.00 ZZ 360 102,427.19 1 7.250 702.65 74 7.000 702.65 LOUISVILLE KY 40229 5 03/31/03 00 2205110 05 06/01/03 0 2205110 O 05/01/33 0 8758220 286/286 F 179,250.00 ZZ 360 178,761.21 2 6.500 1,132.99 75 6.250 1,132.99 EDGEWOOD WA 98372 5 08/20/03 00 2742784 05 10/01/03 0 2742784 N 09/01/33 0 8758222 286/286 F 72,300.00 ZZ 360 72,159.08 2 6.125 439.31 66 5.875 439.31 LATONIA KY 41015 2 09/12/03 00 2661554 05 11/01/03 0 2661554 N 10/01/33 0 8758232 286/286 F 68,000.00 ZZ 360 67,867.30 1 6.250 418.69 62 6.000 418.69 TUCSON AZ 85719 2 09/12/03 00 2702637 05 11/01/03 0 2702637 N 10/01/33 0 1 8758246 286/286 F 170,000.00 ZZ 360 169,165.38 1 6.125 1,032.94 56 5.875 1,032.94 SACRAMENTO CA 95834 2 06/24/03 00 2359108 05 08/01/03 0 2359108 N 07/01/33 0 8758258 286/286 F 306,000.00 ZZ 360 304,772.32 3 6.000 1,834.63 68 5.750 1,834.63 CHICAGO IL 60647 2 07/18/03 00 2540163 05 09/01/03 0 2540163 N 08/01/33 0 8758260 286/286 F 127,867.00 ZZ 360 127,601.37 1 6.000 766.63 90 5.750 766.63 ORLANDO FL 32820 1 09/26/03 14 2796536 03 11/01/03 25 2796536 O 10/01/33 0 8758272 286/286 F 75,175.00 ZZ 360 74,761.67 1 6.500 475.16 89 6.250 475.16 CULPEPPER VA 22701 1 05/09/03 10 2338221 05 07/01/03 25 2338221 N 06/01/33 0 8758296 286/286 F 220,000.00 ZZ 360 219,323.81 2 5.875 1,301.38 55 5.625 1,301.38 RICHMOND VA 23220 5 08/19/03 00 2659040 05 10/01/03 0 2659040 N 09/01/33 0 8758310 286/286 F 192,000.00 ZZ 360 190,944.31 1 6.500 1,213.58 80 6.250 1,213.58 1 ANAHEIM CA 92808 1 05/09/03 00 2204047 01 07/01/03 0 2204047 N 06/01/33 0 8758324 286/286 F 112,500.00 ZZ 360 112,214.82 2 6.875 739.05 90 6.625 739.05 PLAINFIELD NJ 07060 1 08/08/03 12 2647068 05 10/01/03 25 2647068 N 09/01/33 0 8758340 286/286 F 127,200.00 ZZ 360 126,321.15 1 6.125 772.89 80 5.875 772.89 HOOD RIVER OR 97031 1 04/10/03 00 2190940 05 06/01/03 0 2190940 N 05/01/33 0 8758356 286/286 F 79,200.00 ZZ 360 78,984.03 1 6.500 500.60 80 6.250 500.60 SPRINGFIELD OR 97477 5 08/11/03 00 2639851 05 10/01/03 0 2639851 N 09/01/33 0 8758372 286/286 F 78,055.00 ZZ 360 77,552.90 1 6.500 493.37 90 6.250 493.37 ST PAUL MN 55101 1 05/01/03 10 2216981 01 06/01/03 25 2216981 N 05/01/33 0 8758408 286/286 F 42,300.00 ZZ 360 42,190.12 2 6.750 274.36 90 6.500 274.36 PERRY NY 14530 1 08/28/03 21 2670202 05 10/01/03 25 2670202 N 09/01/33 0 1 8758456 286/286 F 180,000.00 ZZ 360 178,784.27 1 6.250 1,108.30 80 6.000 1,108.30 RANCHO CORDOVA CA 95670 1 04/17/03 00 2231514 05 06/01/03 0 2231514 O 05/01/33 0 8758464 286/286 F 57,650.00 ZZ 360 57,439.82 1 6.500 364.39 80 6.250 364.39 MEMPHIS TN 38127 5 08/05/03 00 2658870 05 09/01/03 0 2658870 N 08/01/33 0 8758538 286/286 F 77,000.00 ZZ 360 76,856.98 1 6.375 480.38 55 6.125 480.38 WASHINGTON DC 20017 5 09/03/03 00 2698599 05 11/01/03 0 2698599 N 10/01/33 0 8758556 286/286 F 72,000.00 ZZ 360 71,812.95 1 6.750 467.00 90 6.500 467.00 LEBANON PA 17042 1 08/28/03 14 2753287 05 10/01/03 25 2753287 N 09/01/33 0 8758572 286/286 F 50,000.00 TX 360 49,897.79 1 5.875 295.77 47 5.625 295.77 PEARLAND TX 77581 5 09/09/03 00 2296162 05 11/01/03 0 2296162 N 10/01/33 0 8758598 286/286 F 60,000.00 ZZ 360 59,830.95 1 1 6.375 374.33 80 6.125 374.33 INDIANAPOLIS IN 46241 5 08/28/03 00 2757009 05 10/01/03 0 2757009 N 09/01/33 0 8758612 286/286 F 114,240.00 ZZ 360 113,431.86 1 6.000 684.93 80 5.750 684.93 DALLAS TX 75287 1 04/17/03 00 2248778 05 06/01/03 0 2248778 O 05/01/33 0 8758616 286/286 F 130,900.00 ZZ 360 130,016.82 1 6.250 805.98 90 6.000 805.98 THE WOODLANDS TX 77382 1 04/17/03 12 2445066 05 06/01/03 25 2445066 N 05/01/33 0 8758630 286/286 F 326,400.00 ZZ 360 325,863.34 1 7.000 2,171.55 80 6.750 2,171.55 GARDEN GROVE CA 92840 1 09/18/03 00 2795729 05 11/01/03 0 2795729 O 10/01/33 0 8758650 286/286 F 387,000.00 ZZ 360 386,379.18 1 7.125 2,607.30 90 6.875 2,607.30 DALLAS TX 75244 1 09/29/03 14 2834127 05 11/01/03 30 2834127 O 10/01/33 0 8758672 286/286 F 95,200.00 ZZ 360 95,035.60 1 6.750 617.47 80 6.500 617.47 WOODWARD OK 73801 1 09/19/03 00 2771188 05 11/01/03 0 1 2771188 O 10/01/33 0 8758684 286/286 F 61,000.00 ZZ 360 60,812.51 1 5.875 360.84 90 5.625 360.84 OTTERBEIN IN 47970 2 08/01/03 11 2634793 05 10/01/03 25 2634793 N 09/01/33 0 8758708 286/286 F 207,000.00 ZZ 360 206,684.01 3 7.375 1,429.70 90 7.125 1,429.70 PROVIDENCE RI 02907 5 09/08/03 14 2760218 05 11/01/03 25 2760218 O 10/01/33 0 8758712 286/286 F 157,450.00 ZZ 360 157,050.88 1 6.875 1,034.34 90 6.625 1,034.34 SNELLVILLE GA 30039 1 08/20/03 21 2704837 05 10/01/03 25 2704837 N 09/01/33 0 8758714 286/286 F 124,000.00 ZZ 360 123,618.85 1 5.875 733.51 80 5.625 733.51 BELLINGHAM WA 98225 1 08/18/03 00 2738416 05 10/01/03 0 2738416 N 09/01/33 0 8758726 286/286 F 268,000.00 ZZ 360 267,490.08 2 6.250 1,650.13 80 6.000 1,650.13 GOLDEN CO 80401 5 09/16/03 21 2771143 05 11/01/03 17 2771143 O 10/01/33 0 1 8758742 286/286 F 292,000.00 ZZ 360 289,795.66 1 6.375 1,821.71 80 6.125 1,821.71 LAKEVILLE MN 55044 5 03/28/03 00 2158814 05 05/01/03 0 2158814 O 04/01/33 0 8758766 286/286 F 283,450.00 ZZ 360 282,599.22 1 6.000 1,699.43 70 5.750 1,699.43 BRECKENRIDGE CO 80424 5 08/08/03 00 2615853 01 10/01/03 0 2615853 N 09/01/33 0 8758772 286/286 F 159,900.00 ZZ 360 159,580.82 1 6.000 958.69 61 5.750 958.69 MODESTO CA 95355 5 09/17/03 00 2677323 05 11/01/03 0 2677323 O 10/01/33 0 8758792 286/286 F 111,200.00 ZZ 360 110,747.72 1 6.500 702.86 80 6.250 702.86 ROSEBURG OR 97470 1 09/16/03 00 2796010 05 11/01/03 0 2796010 O 10/01/33 0 8758796 286/286 F 139,000.00 ZZ 360 138,582.78 4 6.000 833.38 40 5.750 833.38 DOWNEY CA 90241 2 08/28/03 00 2391279 05 10/01/03 0 2391279 N 09/01/33 0 8758814 286/286 F 188,000.00 ZZ 241 186,902.88 1 6.875 1,440.70 46 6.625 1,440.70 1 BURKE VA 22015 5 08/22/03 00 2736127 05 10/01/03 0 2736127 N 10/01/23 0 8758830 286/286 F 209,000.00 ZZ 360 208,141.36 3 5.875 1,236.32 69 5.625 1,236.32 BERWYN IL 60402 2 08/04/03 00 2670509 05 09/01/03 0 2670509 N 08/01/33 0 8758840 286/286 F 200,000.00 ZZ 360 199,178.35 3 5.875 1,183.08 67 5.625 1,183.08 BERWYN IL 60402 2 08/04/03 00 2670519 05 09/01/03 0 2670519 N 08/01/33 0 8758842 286/286 F 197,600.00 ZZ 360 197,290.74 1 7.250 1,347.99 80 7.000 1,347.99 SAGLE ID 83860 5 09/02/03 00 2640169 05 11/01/03 0 2640169 O 10/01/33 0 8758856 286/286 F 164,635.00 ZZ 360 164,321.37 1 6.750 1,067.82 95 6.500 1,067.82 RAINIER OR 97048 5 09/03/03 11 2699071 05 11/01/03 30 2699071 O 10/01/33 0 8758858 286/286 F 124,000.00 ZZ 360 123,677.89 2 6.750 804.27 80 6.500 804.27 WESTFIELD MA 01085 1 08/22/03 00 2676400 05 10/01/03 0 2676400 N 09/01/33 0 1 8758870 286/286 F 130,399.00 ZZ 360 130,173.81 1 6.750 845.77 80 6.500 845.77 MIAMI FL 33168 5 09/09/03 00 2767702 05 11/01/03 0 2767702 O 10/01/33 0 8758872 286/286 F 65,600.00 ZZ 360 65,342.97 1 6.125 398.60 90 5.875 398.60 ANDERSON IN 46012 1 07/31/03 11 2672152 05 09/01/03 25 2672152 N 08/01/33 0 8758878 E22/G02 F 68,000.00 ZZ 360 67,935.48 1 6.250 418.69 80 6.000 418.69 TULARE CA 93274 5 10/03/03 00 0418673315 05 12/01/03 0 0418673315 O 11/01/33 0 8758886 286/286 F 156,655.00 ZZ 360 156,426.09 1 7.625 1,108.80 95 7.375 1,108.80 DES PLAINES IL 60016 1 09/11/03 19 2778721 01 11/01/03 30 2778721 O 10/01/33 0 8758888 286/286 F 322,700.00 ZZ 360 321,798.57 1 6.375 2,013.23 62 6.125 2,013.23 SAN DIEGO CA 92129 2 08/13/03 00 2717238 05 10/01/03 0 2717238 N 09/01/33 0 8758904 286/286 F 71,100.00 ZZ 360 70,905.13 1 1 6.500 449.40 90 6.250 449.40 KANSAS CITY MO 64132 1 08/26/03 21 2717425 05 10/01/03 25 2717425 N 09/01/33 0 8758916 286/286 F 156,750.00 ZZ 360 156,516.61 1 7.500 1,096.02 95 7.250 1,096.02 SANDY UT 84093 1 09/10/03 12 2767016 05 11/01/03 30 2767016 O 10/01/33 0 8758932 286/286 F 63,000.00 ZZ 360 62,828.19 1 6.500 398.21 75 6.250 398.21 SEVERN MD 21144 5 08/22/03 00 2444023 01 10/01/03 0 2444023 N 09/01/33 0 8758948 286/286 F 81,000.00 ZZ 360 80,866.81 1 7.000 538.90 78 6.750 538.90 ROCKVILLE IN 47872 5 09/02/03 00 2759927 05 11/01/03 0 2759927 O 10/01/33 0 8758964 286/286 F 129,600.00 ZZ 360 129,116.00 2 6.375 808.54 90 6.125 808.54 MIAMI FL 33137 1 07/25/03 11 2650384 05 09/01/03 25 2650384 N 08/01/33 0 8758980 286/286 F 177,950.00 ZZ 360 176,720.03 1 6.125 1,081.25 80 5.875 1,081.25 GRESHAM OR 97030 1 04/25/03 00 2060707 05 06/01/03 0 1 2060707 O 05/01/33 0 8758982 286/286 F 125,000.00 ZZ 360 124,744.48 2 5.875 739.43 43 5.625 739.43 SEATTLE WA 98133 2 09/03/03 00 2640024 05 11/01/03 0 2640024 N 10/01/33 0 8758990 286/286 F 388,500.00 ZZ 360 387,515.21 4 6.875 2,552.17 70 6.625 2,552.17 SAN JOSE CA 95112 5 08/11/03 00 2739753 05 10/01/03 0 2739753 N 09/01/33 0 8759006 286/286 F 388,500.00 ZZ 360 387,515.21 4 6.875 2,552.17 70 6.625 2,552.17 SAN JOSE CA 95112 5 08/11/03 00 2733107 05 10/01/03 0 2733107 N 09/01/33 0 8759014 286/286 F 196,000.00 T 360 195,644.66 1 6.500 1,238.86 80 6.250 1,238.86 BROOKINGS OR 97415 1 09/19/03 10 2756081 05 11/01/03 25 2756081 O 10/01/33 0 8759026 286/286 F 60,000.00 ZZ 360 59,653.88 1 6.250 369.44 78 6.000 369.44 ROSEVILLE MI 48066 5 05/08/03 00 2313412 05 07/01/03 0 2313412 N 06/01/33 0 1 8759036 286/286 F 675,000.00 ZZ 360 670,444.72 1 6.250 4,156.10 73 6.000 4,156.10 MIAMI BEACH FL 33140 5 04/04/03 00 2171219 05 06/01/03 0 2171219 O 05/01/33 0 8759040 286/286 F 73,800.00 ZZ 360 73,612.94 1 6.875 484.81 90 6.625 484.81 FAIRBORN OH 45324 1 08/19/03 14 2717234 01 10/01/03 25 2717234 N 09/01/33 0 8759074 286/286 F 65,000.00 ZZ 360 64,879.26 1 6.375 405.52 64 6.125 405.52 BLOOMINGTON IL 61701 2 09/02/03 00 2581600 05 11/01/03 0 2581600 N 10/01/33 0 8759106 286/286 F 48,675.00 ZZ 360 48,525.36 2 5.875 287.94 38 5.625 287.94 AUSTIN TX 78744 2 08/04/03 00 2513176 05 10/01/03 0 2513176 N 09/01/33 0 8759114 286/286 F 89,835.00 ZZ 360 89,214.34 1 6.125 545.85 80 5.875 545.85 MIAMI FL 33135 1 04/14/03 00 2261463 01 06/01/03 0 2261463 O 05/01/33 0 8759150 286/286 F 132,750.00 ZZ 360 132,341.96 1 5.875 785.27 67 5.625 785.27 1 AUSTIN TX 78757 2 08/04/03 00 2499352 05 10/01/03 0 2499352 N 09/01/33 0 8759170 286/286 F 138,700.00 ZZ 360 138,143.53 2 6.000 831.58 70 5.750 831.58 AUSTIN TX 78704 2 07/29/03 00 2499807 05 09/01/03 0 2499807 N 08/01/33 0 8759184 286/286 F 190,000.00 ZZ 360 189,415.99 3 5.875 1,123.93 66 5.625 1,123.93 NORTHBRIDGE MA 01545 5 08/06/03 00 2416936 05 10/01/03 0 2416936 N 09/01/33 0 8759196 286/286 F 180,000.00 ZZ 360 179,543.70 1 6.875 1,182.48 90 6.625 1,182.48 BALTIMORE MD 21230 1 08/28/03 14 2714786 05 10/01/03 25 2714786 N 09/01/33 0 8759208 286/286 F 55,000.00 ZZ 360 54,850.03 2 6.500 347.64 68 6.250 347.64 AKRON OH 44301 2 08/28/03 00 2646916 05 10/01/03 0 2646916 N 09/01/33 0 8759246 286/286 F 80,500.00 ZZ 360 80,252.56 1 5.875 476.19 72 5.625 476.19 MABLETON GA 30126 2 08/12/03 00 2527805 05 10/01/03 0 2527805 N 09/01/33 0 1 8759256 286/286 F 81,000.00 ZZ 360 80,611.70 1 6.250 498.74 63 6.000 498.74 GAINESVILLE VA 20155 2 06/23/03 00 2431046 01 08/01/03 0 2431046 N 07/01/33 0 8759266 286/286 F 144,000.00 TX 360 143,607.34 2 6.500 910.18 80 6.250 910.18 AUSTIN TX 78729 5 08/18/03 00 2708825 05 10/01/03 0 2708825 N 09/01/33 0 8759286 286/286 F 81,600.00 ZZ 360 81,388.03 1 6.750 529.26 80 6.500 529.26 COLUMBUS IN 47201 1 08/14/03 00 2706533 05 10/01/03 0 2706533 N 09/01/33 0 8759296 286/286 F 45,500.00 ZZ 360 45,381.80 1 6.750 295.12 70 6.500 295.12 HOPE IN 47246 5 08/14/03 00 2706662 05 10/01/03 0 2706662 N 09/01/33 0 8759308 286/286 F 39,900.00 ZZ 360 39,796.33 1 6.750 258.80 70 6.500 258.80 HOPE IN 47246 5 08/14/03 00 2706694 05 10/01/03 0 2706694 N 09/01/33 0 8759336 286/286 F 74,000.00 ZZ 360 73,755.22 2 1 7.000 492.33 61 6.750 492.33 DETROIT MI 48224 5 07/15/03 00 2377376 05 09/01/03 0 2377376 N 08/01/33 0 8759344 286/286 F 67,500.00 ZZ 360 67,341.06 1 7.250 460.47 90 7.000 460.47 RALEIGH NC 27603 2 08/29/03 14 2777598 05 10/01/03 25 2777598 N 09/01/33 0 8759364 286/286 F 300,000.00 ZZ 360 299,456.11 1 6.500 1,896.21 80 6.250 1,896.21 GARDEN GROVE CA 92840 1 09/10/03 00 2777291 05 11/01/03 0 2777291 O 10/01/33 0 8759372 286/286 F 123,264.00 ZZ 360 122,894.00 2 6.000 739.03 80 5.750 739.03 SUWANEE GA 30024 1 08/14/03 00 2673390 05 10/01/03 0 2673390 N 09/01/33 0 8759382 286/286 F 74,200.00 ZZ 360 74,065.47 1 6.500 469.00 70 6.250 469.00 COLLEGEVILLE PA 19426 5 09/04/03 00 2597803 05 11/01/03 0 2597803 N 10/01/33 0 8759386 286/286 F 151,800.00 ZZ 360 151,544.21 1 6.875 997.22 80 6.625 997.22 PHOENIX AZ 85050 2 09/15/03 00 2397283 05 11/01/03 0 1 2397283 O 10/01/33 0 8759390 286/286 F 44,064.00 ZZ 360 43,943.83 1 6.500 278.52 90 6.250 278.52 PITTSBURGH PA 15212 1 08/13/03 11 2660828 05 10/01/03 25 2660828 N 09/01/33 0 8759402 286/286 F 83,430.00 ZZ 360 83,185.49 1 6.125 506.93 90 5.875 506.93 SAVANNAH GA 31406 1 08/18/03 11 2399202 05 10/01/03 25 2399202 N 09/01/33 0 8759414 286/286 F 325,800.00 ZZ 360 325,209.34 1 6.500 2,059.28 90 6.250 2,059.28 ESCONDIDO CA 92027 1 09/18/03 11 2729721 05 11/01/03 25 2729721 O 10/01/33 0 8759416 286/286 F 74,700.00 ZZ 360 74,532.63 2 7.500 522.32 90 7.250 522.32 KANSAS CITY MO 64131 2 08/27/03 14 2673642 05 10/01/03 25 2673642 N 09/01/33 0 8759440 286/286 F 164,400.00 ZZ 360 163,740.39 2 6.000 985.67 80 5.750 985.67 AKRON OH 44319 2 07/30/03 00 2496839 05 09/01/03 0 2496839 N 08/01/33 0 1 8759462 286/286 F 116,250.00 ZZ 360 116,039.25 1 6.500 734.78 80 6.250 734.78 TUCSON AZ 85745 1 09/10/03 00 2758470 05 11/01/03 0 2758470 N 10/01/33 0 8759464 286/286 F 180,000.00 ZZ 360 179,277.84 3 6.000 1,079.20 80 5.750 1,079.20 HOUSTON TX 77008 1 07/11/03 00 2530465 05 09/01/03 0 2530465 N 08/01/33 0 8759480 286/286 F 62,000.00 ZZ 360 61,846.64 1 7.000 412.49 70 6.750 412.49 INDEPENDENCE MO 64056 5 08/29/03 10 2719914 05 10/01/03 25 2719914 N 09/01/33 0 8759496 286/286 F 143,500.00 ZZ 360 143,127.25 1 6.750 930.74 72 6.500 930.74 LORTON VA 22079 5 08/20/03 00 2631974 01 10/01/03 0 2631974 N 09/01/33 0 8759504 286/286 F 43,100.00 ZZ 360 42,973.66 1 6.125 261.89 80 5.875 261.89 BRANSON WEST MO 65737 1 08/08/03 00 2660495 01 10/01/03 0 2660495 N 09/01/33 0 8759510 286/286 F 56,000.00 ZZ 360 55,785.77 1 6.250 344.81 80 6.000 344.81 1 MANSFIELD TX 76063 1 07/31/03 00 2688516 05 09/01/03 0 2688516 N 08/01/33 0 8759516 286/286 F 181,000.00 ZZ 360 179,689.13 1 5.875 1,070.69 60 5.625 1,070.69 ALPHARETTA GA 30022 2 04/14/03 00 2112023 05 06/01/03 0 2112023 N 05/01/33 0 8759530 286/286 F 40,500.00 ZZ 360 40,433.41 1 7.000 269.45 90 6.750 269.45 SPRINGFIELD OH 45505 1 09/02/03 11 2617766 05 11/01/03 25 2617766 N 10/01/33 0 8759536 286/286 F 82,000.00 ZZ 348 81,820.00 2 5.875 491.24 77 5.625 491.24 SOUTH OGDEN UT 84405 2 09/12/03 00 2608862 05 11/01/03 0 2608862 N 10/01/32 0 8759566 286/286 F 62,400.00 ZZ 360 62,237.90 2 6.750 404.73 78 6.500 404.73 HAMILTON OH 45013 1 08/19/03 00 1770093 05 10/01/03 0 1770093 N 09/01/33 0 8759580 286/286 F 72,000.00 ZZ 360 71,798.87 1 6.375 449.19 69 6.125 449.19 PEORIA IL 61615 2 08/04/03 00 2570804 05 10/01/03 0 2570804 N 09/01/33 0 1 8759586 286/286 F 44,900.00 ZZ 360 44,736.32 1 6.500 283.80 90 6.250 283.80 WASHINGTON IL 61571 1 07/18/03 14 2570881 05 09/01/03 25 2570881 N 08/01/33 0 8759600 286/286 F 113,400.00 ZZ 360 112,929.55 1 5.875 670.81 90 5.625 670.81 SALT LAKE CITY UT 84105 2 07/03/03 12 2595252 05 09/01/03 25 2595252 N 08/01/33 0 8759660 286/286 F 215,200.00 ZZ 360 214,044.96 4 6.625 1,377.95 70 6.375 1,377.95 WANAQUE NJ 07456 5 05/14/03 00 2273206 05 07/01/03 0 2273206 N 06/01/33 0 8759668 286/286 F 47,700.00 ZZ 360 47,563.50 1 6.250 293.70 90 6.000 293.70 HAMPTON VA 23669 1 08/07/03 12 2661670 05 10/01/03 25 2661670 N 09/01/33 0 8759676 286/286 F 133,800.00 ZZ 360 133,398.25 1 6.000 802.20 69 5.750 802.20 CARY NC 27513 2 08/14/03 00 2540960 05 10/01/03 0 2540960 N 09/01/33 0 8759692 286/286 F 129,900.00 ZZ 360 129,686.42 1 1 7.000 864.23 80 6.750 864.23 ELLICOTT CITY MD 21043 1 09/15/03 00 2747101 01 11/01/03 0 2747101 N 10/01/33 0 8759700 286/286 F 230,000.00 ZZ 360 228,608.90 3 6.000 1,378.97 56 5.750 1,378.97 LONGMONT CO 80501 2 05/30/03 00 2426210 05 07/01/03 0 2426210 N 06/01/33 0 8759708 286/286 F 204,000.00 ZZ 360 203,443.74 2 6.500 1,289.42 89 6.250 1,289.42 KANSAS CITY MO 64145 2 08/13/03 14 2693544 05 10/01/03 25 2693544 N 09/01/33 0 8759714 286/286 F 204,000.00 ZZ 360 203,443.74 2 6.500 1,289.42 89 6.250 1,289.42 KANSAS CITY MO 64145 2 08/13/03 14 2693811 05 10/01/03 25 2693811 N 09/01/33 0 8759720 286/286 F 62,000.00 ZZ 360 61,822.58 1 6.250 381.75 48 6.000 381.75 SHREVEPORT LA 71105 5 08/27/03 00 2704021 05 10/01/03 0 2704021 N 09/01/33 0 8759726 286/286 F 56,000.00 ZZ 360 55,827.86 1 5.875 331.27 80 5.625 331.27 LA PORTE IN 46350 5 08/25/03 00 2621474 05 10/01/03 0 1 2621474 N 09/01/33 0 8759734 286/286 F 82,550.00 ZZ 360 82,319.39 1 6.375 515.01 54 6.125 515.01 HUDSON WI 54016 5 08/21/03 00 2672190 01 10/01/03 0 2672190 N 09/01/33 0 8759740 286/286 F 81,630.00 ZZ 360 81,092.29 1 6.375 509.27 90 6.125 509.27 GALVESTON TX 77554 1 04/29/03 10 2321187 05 06/01/03 30 2321187 N 05/01/33 0 8759746 286/286 F 80,000.00 ZZ 360 79,759.85 1 6.000 479.65 65 5.750 479.65 CARMEL IN 46032 1 08/27/03 00 2714438 05 10/01/03 0 2714438 N 09/01/33 0 8759756 286/286 F 130,950.00 ZZ 360 130,601.47 1 6.625 838.49 90 6.375 838.49 PHOENIX AZ 85032 1 08/11/03 10 2734506 05 10/01/03 25 2734506 N 09/01/33 0 8759776 286/286 F 210,000.00 ZZ 360 209,413.38 1 6.375 1,310.13 74 6.125 1,310.13 CHATHAM NJ 07928 1 09/05/03 00 2735483 01 10/01/03 0 2735483 N 09/01/33 0 1 8759780 286/286 F 218,800.00 ZZ 360 218,203.38 1 6.500 1,382.97 80 6.250 1,382.97 CLARKSVILLE MD 21029 1 08/21/03 00 2676010 01 10/01/03 0 2676010 N 09/01/33 0 8759794 286/286 F 120,000.00 ZZ 360 119,631.15 2 5.875 709.85 80 5.625 709.85 WARRINGTON PA 18976 1 08/29/03 00 2607357 05 10/01/03 0 2607357 N 09/01/33 0 8759800 286/286 F 71,800.00 ZZ 360 71,604.21 1 6.500 453.83 80 6.250 453.83 BENTONVILLE AR 72712 2 08/14/03 00 2643672 05 10/01/03 0 2643672 N 09/01/33 0 8759810 286/286 F 77,600.00 ZZ 360 77,472.41 1 7.000 516.28 80 6.750 516.28 KETTERING OH 45429 1 09/03/03 00 2764009 05 11/01/03 0 2764009 N 10/01/33 0 8759816 286/286 F 110,000.00 ZZ 360 109,548.06 1 5.875 650.70 65 5.625 650.70 HIALEAH FL 33018 5 07/30/03 00 2599393 05 09/01/03 0 2599393 N 08/01/33 0 8759818 286/286 F 182,000.00 ZZ 360 181,440.59 1 5.875 1,076.60 80 5.625 1,076.60 1 NORCROSS GA 30092 1 08/14/03 00 2681059 05 10/01/03 0 2681059 N 09/01/33 0 8759822 286/286 F 67,050.00 ZZ 360 66,618.69 2 6.500 423.81 90 6.250 423.81 ADRIAN MI 49221 1 04/18/03 04 2243939 05 06/01/03 25 2243939 N 05/01/33 0 8759828 286/286 F 166,000.00 ZZ 360 165,513.48 2 6.125 1,008.64 61 5.875 1,008.64 COLUMBUS OH 43206 2 08/18/03 00 2581971 05 10/01/03 0 2581971 N 09/01/33 0 8759836 286/286 F 126,000.00 ZZ 360 125,648.03 2 6.375 786.08 80 6.125 786.08 SALEM OR 97306 1 08/25/03 00 2663908 05 10/01/03 0 2663908 N 09/01/33 0 8759842 286/286 F 76,000.00 ZZ 360 75,865.51 1 6.625 486.64 24 6.375 486.64 LOS OSOS CA 93402 2 09/02/03 00 2762299 05 11/01/03 0 2762299 N 10/01/33 0 8759856 286/286 F 80,900.00 ZZ 360 80,583.06 1 6.125 491.56 90 5.875 491.56 BLOOMINGTON IL 61701 1 07/25/03 04 2616261 05 09/01/03 25 2616261 N 08/01/33 0 1 8759860 286/286 F 71,250.00 ZZ 360 70,970.84 1 6.125 432.93 75 5.875 432.93 LOUISVILLE KY 40258 5 07/25/03 00 2528423 05 09/01/03 0 2528423 N 08/01/33 0 8759864 286/286 F 117,000.00 ZZ 360 116,292.38 1 6.000 701.48 30 5.750 701.48 SAN MARCOS CA 92069 2 05/02/03 00 2600531 03 07/01/03 0 2600531 N 06/01/33 0 8759868 286/286 F 52,000.00 ZZ 360 51,877.58 1 7.250 354.74 70 7.000 354.74 AUGUSTA GA 30906 5 08/19/03 00 2709232 05 10/01/03 0 2709232 N 09/01/33 0 8759870 286/286 F 70,000.00 ZZ 360 69,835.17 1 7.250 477.53 80 7.000 477.53 ROUND LAKE BEAC IL 60073 5 08/19/03 00 2691283 03 10/01/03 0 2691283 N 09/01/33 0 8759876 286/286 F 265,500.00 ZZ 360 264,434.81 1 6.000 1,591.81 90 5.750 1,591.81 BRIGANTINE NJ 08203 1 07/18/03 11 2675140 05 09/01/03 25 2675140 N 08/01/33 0 8759882 286/286 F 156,800.00 ZZ 360 156,318.03 4 1 5.875 927.54 70 5.625 927.54 PITTSBURGH PA 15217 5 09/03/03 00 2642729 05 10/01/03 0 2642729 N 09/01/33 0 8759886 286/286 F 215,600.00 ZZ 360 214,937.31 4 5.875 1,275.36 70 5.625 1,275.36 PITTSBURGH PA 15217 5 09/03/03 00 2652368 05 10/01/03 0 2652368 N 09/01/33 0 8759894 286/286 F 113,500.00 ZZ 360 113,033.70 1 5.875 671.40 80 5.625 671.40 WESTFIELD IN 46074 2 08/05/03 00 2568268 05 09/01/03 0 2568268 N 08/01/33 0 8759898 286/286 F 168,000.00 ZZ 360 167,309.79 1 5.875 993.79 80 5.625 993.79 ZIONSVILLE IN 46077 2 08/05/03 00 2568327 05 09/01/03 0 2568327 N 08/01/33 0 8759906 286/286 F 42,000.00 ZZ 360 41,934.26 1 7.250 286.52 51 7.000 286.52 FRANKFORT IN 46041 5 09/11/03 00 2793258 05 11/01/03 0 2793258 N 10/01/33 0 8759910 286/286 F 40,200.00 ZZ 360 40,049.86 1 6.375 250.80 80 6.125 250.80 MEMPHIS TN 38122 5 07/31/03 00 2613452 05 09/01/03 0 1 2613452 N 08/01/33 0 8759916 286/286 F 43,200.00 ZZ 360 43,087.77 1 6.750 280.20 79 6.500 280.20 MEMPHIS TN 38114 5 08/20/03 00 2672607 05 10/01/03 0 2672607 N 09/01/33 0 8759920 286/286 F 166,860.00 ZZ 360 166,426.56 1 6.750 1,082.26 90 6.500 1,082.26 VIRIGNIA BEACH VA 23456 1 08/18/03 11 2707357 05 10/01/03 25 2707357 N 09/01/33 0 8759974 286/286 F 65,250.00 ZZ 360 65,084.59 1 6.875 428.65 90 6.625 428.65 LAS VEGAS NV 89134 1 08/01/03 12 2684545 01 10/01/03 25 2684545 N 09/01/33 0 8759986 286/286 F 248,400.00 ZZ 360 247,426.84 1 6.125 1,509.31 80 5.875 1,509.31 FALLS CHURCH VA 22042 1 07/24/03 00 2623050 05 09/01/03 0 2623050 N 08/01/33 0 8759990 286/286 F 241,850.00 ZZ 360 241,236.92 1 6.875 1,588.79 90 6.625 1,588.79 CLARKSVILLE MD 21029 1 08/25/03 12 2750197 01 10/01/03 25 2750197 N 09/01/33 0 1 8759998 286/286 F 112,800.00 ZZ 360 112,484.89 1 6.375 703.73 80 6.125 703.73 ST. JOSEPH MO 64505 2 08/15/03 00 2504743 05 10/01/03 0 2504743 N 09/01/33 0 8760032 286/286 F 130,400.00 ZZ 360 130,061.26 1 6.750 845.77 80 6.500 845.77 ATLANTA GA 30306 1 09/05/03 00 2771170 05 10/01/03 0 2771170 N 09/01/33 0 8760038 286/286 F 240,000.00 ZZ 360 239,595.58 3 6.875 1,576.63 60 6.625 1,576.63 ROSEMEAD CA 91770 5 09/02/03 00 2301066 05 11/01/03 0 2301066 N 10/01/33 0 8760052 286/286 F 50,800.00 ZZ 360 50,661.46 1 6.500 321.10 80 6.250 321.10 TRENTON NJ 08611 1 08/29/03 00 2710984 05 10/01/03 0 2710984 N 09/01/33 0 8760058 286/286 F 141,500.00 ZZ 360 141,141.31 1 6.875 929.56 51 6.625 929.56 WOODBRIDGE VA 22192 2 08/22/03 00 2389092 05 10/01/03 0 2389092 N 09/01/33 0 8760062 286/286 F 262,000.00 ZZ 360 261,501.51 1 6.250 1,613.18 52 6.000 1,613.18 1 SAN JOSE CA 95121 5 09/02/03 00 2733123 05 11/01/03 0 2733123 N 10/01/33 0 8760068 286/286 F 60,000.00 ZZ 360 59,770.46 1 6.250 369.44 55 6.000 369.44 EDGEWOOD NM 87015 2 07/30/03 00 2694940 05 09/01/03 0 2694940 N 08/01/33 0 8760072 286/286 F 148,500.00 ZZ 360 147,931.97 1 6.250 914.35 90 6.000 914.35 KEY LARGO FL 33037 1 07/08/03 04 2466997 05 09/01/03 25 2466997 N 08/01/33 0 8760078 286/286 F 55,800.00 ZZ 360 55,661.97 1 7.000 371.24 90 6.750 371.24 RIO RANCHO NM 87214 1 08/22/03 12 2756391 01 10/01/03 25 2756391 N 09/01/33 0 8760082 286/286 F 63,400.00 ZZ 360 63,163.21 1 6.375 395.54 90 6.125 395.54 WINTERVILLE NC 28590 2 07/21/03 11 2436909 03 09/01/03 25 2436909 N 08/01/33 0 8760086 286/286 F 150,400.00 ZZ 360 150,009.31 1 6.750 975.50 80 6.500 975.50 SPRINGFIELD VA 22153 5 08/20/03 00 2662028 03 10/01/03 0 2662028 N 09/01/33 0 1 8760090 286/286 F 68,800.00 ZZ 360 68,603.11 1 6.250 423.62 80 6.000 423.62 TOPEKA KS 66605 1 08/22/03 00 2744957 05 10/01/03 0 2744957 N 09/01/33 0 8760094 286/286 F 149,000.00 ZZ 360 148,542.01 2 5.875 881.40 35 5.625 881.40 CHICAGO IL 60630 2 08/18/03 00 2638203 05 10/01/03 0 2638203 N 09/01/33 0 8760098 286/286 F 112,500.00 ZZ 360 112,241.61 1 7.375 777.01 90 7.125 777.01 LAS VEGAS NV 89147 1 08/20/03 11 2707521 05 10/01/03 25 2707521 N 09/01/33 0 8760102 286/286 F 50,000.00 ZZ 360 49,860.32 1 6.375 311.94 62 6.125 311.94 NEW BERN NC 28560 2 08/27/03 00 2666085 05 10/01/03 0 2666085 N 09/01/33 0 8760106 286/286 F 132,000.00 ZZ 360 131,754.83 1 6.375 823.51 80 6.125 823.51 CROFTON MD 21114 1 08/29/03 00 2709938 01 11/01/03 0 2709938 N 10/01/33 0 8760112 286/286 F 71,910.00 ZZ 360 71,565.24 1 1 6.250 442.77 90 6.000 442.77 ORANGE CITY FL 32763 1 06/11/03 11 2408032 05 08/01/03 25 2408032 N 07/01/33 0 8760116 286/286 F 60,000.00 ZZ 360 59,832.37 1 6.375 374.33 70 6.125 374.33 PETERSBURG VA 23805 1 08/21/03 00 2490968 05 10/01/03 0 2490968 N 09/01/33 0 8760118 286/286 F 76,662.00 ZZ 360 76,230.23 1 6.375 478.28 90 6.125 478.28 QUEEN CREEK AZ 85242 1 05/01/03 12 2308571 05 07/01/03 25 2308571 N 06/01/33 0 8760124 286/286 F 116,500.00 ZZ 360 115,941.52 1 6.250 717.32 57 6.000 717.32 CENTREVILLE VA 20120 2 06/19/03 00 2343179 05 08/01/03 0 2343179 N 07/01/33 0 8760128 286/286 F 149,250.00 ZZ 360 148,812.59 4 6.125 906.86 75 5.875 906.86 MOMENCE IL 60954 1 08/07/03 00 2636225 05 10/01/03 0 2636225 N 09/01/33 0 8760140 286/286 F 63,450.00 ZZ 360 63,300.57 1 7.250 432.85 90 7.000 432.85 NORFOLK VA 23513 1 08/20/03 12 2684322 05 10/01/03 25 1 2684322 N 09/01/33 0 8760144 286/286 F 69,750.00 ZZ 360 69,545.58 1 6.125 423.81 90 5.875 423.81 BLYTHE CA 92225 1 08/01/03 12 2593885 05 10/01/03 25 2593885 N 09/01/33 0 8760150 286/286 F 282,150.00 ZZ 360 281,638.46 4 6.500 1,783.39 35 6.250 1,783.39 SANTA CRUZ CA 95060 5 09/09/03 00 2678415 05 11/01/03 0 2678415 N 10/01/33 0 8760154 286/286 F 54,000.00 ZZ 360 53,863.10 1 6.875 354.75 90 6.625 354.75 TYLER TX 75701 1 08/15/03 12 2733338 05 10/01/03 25 2733338 N 09/01/33 0 8760160 286/286 F 122,500.00 ZZ 360 122,288.45 2 6.750 794.54 71 6.500 794.54 VENETA OR 97487 5 08/29/03 00 2754703 05 11/01/03 0 2754703 N 10/01/33 0 8760172 286/286 F 184,000.00 ZZ 360 183,473.50 1 6.250 1,132.92 80 6.000 1,132.92 RALEIGH NC 27605 1 09/02/03 00 2677832 05 10/01/03 0 2677832 N 09/01/33 0 1 8760176 286/286 F 168,000.00 ZZ 360 167,519.28 2 6.250 1,034.41 80 6.000 1,034.41 RALEIGH NC 27605 1 09/02/03 00 2677843 05 10/01/03 0 2677843 N 09/01/33 0 8760188 286/286 F 180,000.00 ZZ 360 179,446.74 1 5.875 1,064.77 63 5.625 1,064.77 DENVER CO 80212 5 08/06/03 00 2639996 05 10/01/03 0 2639996 N 09/01/33 0 8760192 286/286 F 138,800.00 ZZ 360 138,421.49 1 6.500 877.32 80 6.250 877.32 DENVER CO 80211 1 08/27/03 00 2744930 05 10/01/03 0 2744930 N 09/01/33 0 8760212 286/286 F 264,000.00 ZZ 360 262,403.10 1 6.000 1,582.82 80 5.750 1,582.82 OCEANSIDE CA 92056 5 05/06/03 00 2584596 05 07/01/03 0 2584596 N 06/01/33 0 8760216 286/286 F 80,100.00 ZZ 360 79,881.58 1 6.500 506.29 90 6.250 506.29 DELTONA FL 32725 1 08/26/03 21 2660050 05 10/01/03 25 2660050 N 09/01/33 0 8760222 286/286 F 55,050.00 ZZ 360 54,926.66 1 7.500 384.92 90 7.250 384.92 1 TRENTON NJ 08611 1 09/02/03 12 2729101 05 10/01/03 25 2729101 N 09/01/33 0 8760236 286/286 F 55,800.00 ZZ 360 55,671.83 1 7.375 385.40 90 7.125 385.40 GREENWOOD IN 46143 1 08/28/03 21 2745066 05 10/01/03 25 2745066 N 09/01/33 0 8760240 286/286 F 167,000.00 ZZ 360 166,498.75 2 6.000 1,001.25 62 5.750 1,001.25 ASBURY PARK NJ 07712 2 08/11/03 00 2022059 05 10/01/03 0 2022059 N 09/01/33 0 8760244 286/286 F 51,300.00 ZZ 360 51,179.21 1 7.250 349.96 90 7.000 349.96 KANSAS CITY MO 64132 2 08/20/03 14 2725383 05 10/01/03 25 2725383 N 09/01/33 0 8760248 286/286 F 118,500.00 ZZ 360 118,176.85 1 6.500 749.01 25 6.250 749.01 SAN RAMON CA 94583 2 08/26/03 00 2742095 05 10/01/03 0 2742095 N 09/01/33 0 8760252 286/286 F 83,500.00 ZZ 360 83,255.27 1 6.125 507.36 58 5.875 507.36 WASHINGTON DC 20024 5 08/07/03 00 1424478 01 10/01/03 0 1424478 N 09/01/33 0 1 8760258 286/286 F 46,800.00 ZZ 360 46,672.38 1 6.500 295.81 90 6.250 295.81 CHESAPEAKE VA 23323 1 08/15/03 11 2671294 05 10/01/03 25 2671294 N 09/01/33 0 8760262 286/286 F 63,750.00 ZZ 360 63,642.56 1 6.875 418.80 75 6.625 418.80 CANTON OH 44709 1 09/05/03 00 2491142 05 11/01/03 0 2491142 N 10/01/33 0 8760268 286/286 F 273,000.00 ZZ 360 271,113.92 3 6.125 1,658.78 65 5.875 1,658.78 RARITAN NJ 08869 5 04/25/03 00 2050635 05 06/01/03 0 2050635 N 05/01/33 0 8760272 286/286 F 70,290.00 ZZ 360 70,171.54 1 6.875 461.76 90 6.625 461.76 VIRGINIA BEACH VA 23464 1 09/12/03 11 2790684 05 11/01/03 25 2790684 N 10/01/33 0 8760274 286/286 F 76,000.00 ZZ 360 75,695.08 1 6.000 455.66 59 5.750 455.66 LOUISVILLE KY 40228 5 07/30/03 00 2606859 05 09/01/03 0 2606859 N 08/01/33 0 8760276 286/286 F 156,000.00 ZZ 360 155,594.76 1 1 6.750 1,011.82 51 6.500 1,011.82 SAN LUIS OBISPO CA 93401 1 08/26/03 00 2764958 05 10/01/03 0 2764958 N 09/01/33 0 8760284 286/286 F 44,950.00 ZZ 360 44,811.75 1 5.875 265.90 90 5.625 265.90 TWENTYNINE PALM CA 92277 1 08/01/03 12 2593792 05 10/01/03 25 2593792 N 09/01/33 0 8760286 286/286 F 322,700.00 ZZ 360 321,861.77 1 6.750 2,093.03 72 6.500 2,093.03 GARDEN GROVE CA 92841 1 08/26/03 00 2750817 05 10/01/03 0 2750817 N 09/01/33 0 8760288 286/286 F 235,000.00 ZZ 360 234,294.63 3 6.000 1,408.95 52 5.750 1,408.95 SAN PEDRO AREA CA 90731 2 08/04/03 00 2604342 05 10/01/03 0 2604342 N 09/01/33 0 8760290 286/286 F 176,000.00 ZZ 360 175,276.95 1 5.875 1,041.11 80 5.625 1,041.11 NEW ORLEANS LA 70118 1 07/31/03 00 2579649 05 09/01/03 0 2579649 N 08/01/33 0 8760294 286/286 F 132,000.00 ZZ 360 131,657.13 1 6.750 856.15 80 6.500 856.15 N PROVIDENCE RI 02911 1 08/20/03 00 2732046 05 10/01/03 0 1 2732046 N 09/01/33 0 8760300 286/286 F 119,200.00 ZZ 360 118,710.27 2 5.875 705.12 80 5.625 705.12 INDIANAPOLIS IN 46250 1 07/07/03 00 2473162 05 09/01/03 0 2473162 N 08/01/33 0 8760304 286/286 F 193,600.00 ZZ 360 192,911.05 1 6.625 1,239.65 88 6.375 1,239.65 THORNTON CO 80260 2 07/18/03 11 2528892 05 09/01/03 25 2528892 N 08/01/33 0 8760308 286/286 F 75,400.00 ZZ 360 75,168.25 1 5.875 446.02 51 5.625 446.02 SACRAMENTO CA 95832 2 08/15/03 00 2679468 05 10/01/03 0 2679468 N 09/01/33 0 8760310 286/286 F 44,000.00 ZZ 360 43,847.16 1 6.750 285.39 80 6.500 285.39 BALTIMORE MD 21224 5 07/14/03 00 2383010 05 09/01/03 0 2383010 N 08/01/33 0 8760312 286/286 F 117,500.00 ZZ 360 117,050.54 1 6.250 723.47 66 6.000 723.47 SPARKS NV 89436 2 07/25/03 00 2317831 05 09/01/03 0 2317831 N 08/01/33 0 1 8760314 286/286 F 117,500.00 ZZ 360 117,050.54 1 6.250 723.47 67 6.000 723.47 SPARKS NV 89436 2 07/29/03 00 2320700 05 09/01/03 0 2320700 N 08/01/33 0 8760316 286/286 F 55,800.00 ZZ 360 55,668.61 1 7.250 380.66 90 7.000 380.66 PHOENIX AZ 85020 2 08/28/03 21 2770683 01 10/01/03 25 2770683 N 09/01/33 0 8760318 286/286 F 64,500.00 ZZ 360 64,348.12 1 7.250 440.01 64 7.000 440.01 GLENDALE AZ 85303 2 08/28/03 00 2770737 05 10/01/03 0 2770737 N 09/01/33 0 8760322 286/286 F 120,650.00 ZZ 360 120,312.97 1 6.375 752.70 74 6.125 752.70 MERCED CA 95340 5 08/25/03 00 2617830 05 10/01/03 0 2617830 N 09/01/33 0 8760324 286/286 F 207,350.00 ZZ 360 206,727.64 1 6.000 1,243.17 61 5.750 1,243.17 MANTECA CA 95336 2 08/15/03 00 2657737 05 10/01/03 0 2657737 N 09/01/33 0 8760328 286/286 F 202,450.00 ZZ 360 201,842.32 1 6.000 1,213.80 59 5.750 1,213.80 1 MANTECA CA 95336 2 08/15/03 00 2657743 05 10/01/03 0 2657743 N 09/01/33 0 8760330 286/286 F 184,500.00 ZZ 360 183,946.20 4 6.000 1,106.18 66 5.750 1,106.18 REDDING CA 96003 2 08/20/03 00 2666629 05 10/01/03 0 2666629 N 09/01/33 0 8760334 286/286 F 46,400.00 ZZ 360 46,285.20 1 7.000 308.71 80 6.750 308.71 SOUTH BEND IN 46615 1 08/13/03 00 2706170 05 10/01/03 0 2706170 N 09/01/33 0 8760342 286/286 F 202,500.00 ZZ 360 201,761.77 1 6.500 1,279.94 75 6.250 1,279.94 LEMON GROVE CA 91945 1 07/25/03 00 2661160 05 09/01/03 0 2661160 N 08/01/33 0 8760344 286/286 F 52,000.00 ZZ 360 51,814.93 1 6.625 332.97 65 6.375 332.97 INDIANAPOLIS IN 46225 2 07/30/03 00 2635365 05 09/01/03 0 2635365 N 08/01/33 0 8760346 286/286 F 40,000.00 ZZ 360 39,857.64 1 6.625 256.13 80 6.375 256.13 INDIANAPOLIS IN 46201 2 07/30/03 00 2635370 05 09/01/03 0 2635370 N 08/01/33 0 1 8760374 286/286 F 188,500.00 ZZ 360 187,725.59 2 5.875 1,115.05 70 5.625 1,115.05 STOCKTON CA 95207 1 07/25/03 00 2662936 05 09/01/03 0 2662936 N 08/01/33 0 8760376 286/286 F 111,375.00 ZZ 360 110,928.16 1 6.000 667.75 75 5.750 667.75 PROVO UT 84601 5 07/18/03 00 2575132 05 09/01/03 0 2575132 N 08/01/33 0 8760378 286/286 F 67,500.00 ZZ 360 67,337.07 1 7.125 454.77 50 6.875 454.77 WASHINGTON DC 20011 5 08/25/03 00 2049945 05 10/01/03 0 2049945 N 09/01/33 0 8760382 286/286 F 165,000.00 ZZ 360 164,591.80 2 7.000 1,097.75 75 6.750 1,097.75 ROSEVILLE CA 95678 5 08/26/03 00 2733332 05 10/01/03 0 2733332 N 09/01/33 0 8760384 286/286 F 310,000.00 ZZ 360 309,194.76 3 6.750 2,010.66 66 6.500 2,010.66 ESCONDIDO CA 92025 5 08/18/03 00 2674026 05 10/01/03 0 2674026 N 09/01/33 0 8760388 286/286 F 188,500.00 ZZ 360 187,812.81 2 1 6.500 1,191.45 65 6.250 1,191.45 GLENDORA CA 91741 5 07/16/03 00 2596908 05 09/01/03 0 2596908 N 08/01/33 0 8760394 286/286 F 161,650.00 ZZ 360 161,198.44 2 6.375 1,008.49 24 6.125 1,008.49 SANTA MONICA CA 90404 2 08/27/03 00 2390765 05 10/01/03 0 2390765 N 09/01/33 0 8760398 286/286 F 83,200.00 ZZ 360 82,866.19 1 6.000 498.83 80 5.750 498.83 LAS VEGAS NV 89117 1 07/22/03 00 2669346 01 09/01/03 0 2669346 N 08/01/33 0 8760400 286/286 F 275,000.00 ZZ 360 274,285.67 1 6.750 1,783.65 50 6.500 1,783.65 DALY CITY CA 94015 5 08/07/03 00 2716833 05 10/01/03 0 2716833 N 09/01/33 0 8760402 286/286 F 130,000.00 ZZ 360 129,627.99 1 6.250 800.44 50 6.000 800.44 VISTA CA 92084 5 07/29/03 00 2559719 05 10/01/03 0 2559719 N 09/01/33 0 8760406 286/286 F 144,800.00 ZZ 360 144,432.94 1 6.875 951.24 80 6.625 951.24 PORTLAND OR 97203 5 08/21/03 00 2715448 05 10/01/03 0 1 2715448 N 09/01/33 0 8760408 286/286 F 70,000.00 ZZ 360 69,818.17 1 6.750 454.02 75 6.500 454.02 ACWORTH GA 30102 5 08/22/03 00 2739505 05 10/01/03 0 2739505 N 09/01/33 0 8760410 286/286 F 80,000.00 ZZ 360 79,759.85 1 6.000 479.65 31 5.750 479.65 LODI CA 95240 1 08/22/03 00 2760628 05 10/01/03 0 2760628 N 09/01/33 0 8760420 286/286 F 134,000.00 ZZ 360 133,499.58 1 6.375 835.99 57 6.125 835.99 BETHESDA MD 20814 5 07/14/03 00 2563603 01 09/01/03 0 2563603 N 08/01/33 0 8760424 286/286 F 320,000.00 ZZ 360 319,084.36 4 6.250 1,970.30 67 6.000 1,970.30 EL CAJON CA 92021 5 07/30/03 00 2679093 05 10/01/03 0 2679093 N 09/01/33 0 8760428 286/286 F 150,000.00 ZZ 360 149,383.75 1 5.875 887.31 80 5.625 887.31 SACRAMENTO CA 95831 1 07/30/03 00 2622182 03 09/01/03 0 2622182 N 08/01/33 0 1 8760434 286/286 F 80,000.00 ZZ 360 79,765.54 1 6.125 486.09 75 5.875 486.09 REDDING CA 96001 5 08/26/03 00 2699650 05 10/01/03 0 2699650 N 09/01/33 0 8760438 286/286 F 57,000.00 ZZ 360 56,797.16 1 6.625 364.98 72 6.375 364.98 VIRGINIA BEACH VA 23462 2 07/31/03 00 2609380 05 09/01/03 0 2609380 N 08/01/33 0 8760440 286/286 F 54,500.00 ZZ 360 54,344.03 1 6.250 335.57 75 6.000 335.57 LAKEWOOD WA 98498 5 08/26/03 00 2627044 01 10/01/03 0 2627044 N 09/01/33 0 8760458 286/286 F 82,800.00 ZZ 360 82,605.30 2 7.250 564.85 90 7.000 564.85 TROY OH 45373 1 08/06/03 10 2690383 05 10/01/03 30 2690383 N 09/01/33 0 8760462 286/286 F 56,250.00 ZZ 360 56,081.16 1 6.000 337.25 75 5.750 337.25 DOVER DE 19904 1 08/22/03 00 2676282 05 10/01/03 0 2676282 N 09/01/33 0 8760466 286/286 F 44,950.00 ZZ 360 44,821.36 1 6.250 276.77 27 6.000 276.77 1 STOCKTON CA 95210 1 08/11/03 00 2735858 05 10/01/03 0 2735858 N 09/01/33 0 8760470 286/286 F 62,400.00 ZZ 360 62,172.48 1 6.500 394.42 80 6.250 394.42 BARSTOW CA 92311 5 07/21/03 00 2418528 05 09/01/03 0 2418528 N 08/01/33 0 8760484 286/286 F 227,250.00 ZZ 360 226,401.33 3 6.375 1,417.75 75 6.125 1,417.75 PORTLAND ME 04101 1 07/28/03 00 2445718 05 09/01/03 0 2445718 N 08/01/33 0 8760486 286/286 F 65,600.00 ZZ 360 65,372.12 1 6.750 425.49 80 6.500 425.49 INDIANAPOLIS IN 46203 2 07/02/03 00 2530777 05 09/01/03 0 2530777 N 08/01/33 0 8760490 286/286 F 77,230.00 ZZ 360 77,014.24 1 6.375 481.82 69 6.125 481.82 IRVING TX 75060 2 08/15/03 00 2694706 05 10/01/03 0 2694706 N 09/01/33 0 8760496 286/286 F 192,000.00 ZZ 360 191,423.70 2 6.000 1,151.14 80 5.750 1,151.14 NEW ORLEANS LA 70118 2 08/22/03 00 2615010 05 10/01/03 0 2615010 N 09/01/33 0 1 8760498 286/286 F 230,400.00 ZZ 360 229,708.44 1 6.000 1,381.37 80 5.750 1,381.37 NEW ORLEANS LA 70118 2 08/22/03 00 2615111 05 10/01/03 0 2615111 N 09/01/33 0 8760502 286/286 F 198,750.00 ZZ 360 198,153.45 2 6.000 1,191.61 75 5.750 1,191.61 RIVERSIDE CA 92509 5 08/07/03 00 2669535 05 10/01/03 0 2669535 N 09/01/33 0 8760504 286/286 F 61,650.00 ZZ 360 61,481.90 1 6.500 389.67 90 6.250 389.67 GRANTSVILLE UT 84029 1 08/26/03 12 2739779 05 10/01/03 25 2739779 N 09/01/33 0 8760506 286/286 F 67,400.00 ZZ 360 67,148.29 1 6.375 420.49 90 6.125 420.49 TALLAHASSEE FL 32303 1 07/15/03 19 2586373 05 09/01/03 25 2586373 N 08/01/33 0 8760508 286/286 F 119,250.00 ZZ 360 118,804.66 1 6.375 743.97 75 6.125 743.97 BALTIMORE MD 21212 1 08/01/03 00 2652695 05 09/01/03 0 2652695 N 08/01/33 0 8760510 286/286 F 125,000.00 ZZ 360 124,521.68 1 1 6.250 769.65 42 6.000 769.65 EDISON NJ 08818 1 07/30/03 00 2709469 01 09/01/03 0 2709469 N 08/01/33 0 8760516 286/286 F 65,800.00 ZZ 360 65,629.09 1 6.750 426.78 70 6.500 426.78 BRAWLEY CA 92227 5 08/06/03 00 2673888 05 10/01/03 0 2673888 N 09/01/33 0 8760518 286/286 F 160,000.00 ZZ 360 159,387.97 2 6.250 985.15 59 6.000 985.15 MAYWOOD CA 90270 5 07/23/03 00 2567669 05 09/01/03 0 2567669 N 08/01/33 0 8760524 286/286 F 131,200.00 ZZ 360 130,806.18 1 6.000 786.62 70 5.750 786.62 RANCHO CORDOVA CA 95670 5 08/27/03 00 2667818 05 10/01/03 0 2667818 N 09/01/33 0 8760528 286/286 F 213,500.00 ZZ 360 212,931.76 2 6.625 1,367.07 58 6.375 1,367.07 SAN GABRIEL CA 91776 5 08/12/03 00 2622255 05 10/01/03 0 2622255 N 09/01/33 0 8760530 286/286 F 245,000.00 ZZ 360 243,993.48 4 5.875 1,449.27 69 5.625 1,449.27 SALT LAKE CITY UT 84103 2 07/30/03 00 2461259 05 09/01/03 0 1 2461259 N 08/01/33 0 8760536 286/286 F 182,000.00 ZZ 360 181,527.25 2 6.750 1,180.45 69 6.500 1,180.45 RANCHO CORDOVA CA 95670 5 08/18/03 00 2686801 05 10/01/03 0 2686801 N 09/01/33 0 8760542 286/286 F 296,000.00 ZZ 360 295,249.69 2 6.875 1,944.51 75 6.625 1,944.51 SACRAMENTO CA 95831 1 08/15/03 00 2705093 05 10/01/03 0 2705093 N 09/01/33 0 8760546 286/286 F 178,000.00 ZZ 360 177,490.66 1 6.250 1,095.98 80 6.000 1,095.98 RENO NV 89509 1 08/05/03 00 2636973 05 10/01/03 0 2636973 N 09/01/33 0 8760548 286/286 F 186,000.00 ZZ 360 185,288.51 1 6.250 1,145.24 79 6.000 1,145.24 ROMOLAND CA 92585 2 07/24/03 00 2681824 05 09/01/03 0 2681824 N 08/01/33 0 8760552 286/286 F 148,000.00 ZZ 360 147,391.96 2 5.875 875.48 80 5.625 875.48 MIDDLETOWN CT 06457 5 08/05/03 00 2640152 05 09/01/03 0 2640152 N 08/01/33 0 1 8760558 286/286 F 139,350.00 ZZ 360 138,816.93 2 6.250 858.01 90 6.000 858.01 PALMDALE CA 93550 1 07/18/03 10 2583976 05 09/01/03 25 2583976 N 08/01/33 0 8760562 286/286 F 132,400.00 ZZ 360 131,993.04 2 5.875 783.20 80 5.625 783.20 AUSTIN TX 78745 1 08/11/03 00 2682558 05 10/01/03 0 2682558 N 09/01/33 0 8760564 286/286 F 156,000.00 ZZ 360 155,553.62 4 6.250 960.52 64 6.000 960.52 SALT LAKE CITY UT 84103 5 08/08/03 00 2590616 05 10/01/03 0 2590616 N 09/01/33 0 8760566 286/286 F 56,000.00 ZZ 360 55,839.50 1 6.250 344.81 72 6.000 344.81 SALT LAKE CITY UT 84103 5 08/08/03 00 2590617 01 10/01/03 0 2590617 N 09/01/33 0 8760570 286/286 F 70,000.00 ZZ 360 69,725.75 1 6.125 425.33 70 5.875 425.33 CHICAGO IL 60619 5 07/28/03 00 2545957 05 09/01/03 0 2545957 N 08/01/33 0 8760572 286/286 F 133,000.00 ZZ 360 132,596.99 1 6.000 797.41 70 5.750 797.41 1 COTTONWOOD CA 96022 5 08/18/03 00 2668235 05 10/01/03 0 2668235 N 09/01/33 0 8760578 286/286 F 271,000.00 ZZ 360 270,361.93 1 7.250 1,848.70 39 7.000 1,848.70 SAN DIEGO CA 92130 1 08/15/03 00 2690528 05 10/01/03 0 2690528 N 09/01/33 0 8760580 286/286 F 193,200.00 ZZ 360 192,767.13 1 7.500 1,350.89 70 7.250 1,350.89 WEST BROOKFIELD MA 01585 5 09/04/03 00 2748944 05 10/01/03 0 2748944 N 09/01/33 0 8760582 286/286 F 142,500.00 ZZ 360 142,061.98 3 5.875 842.95 75 5.625 842.95 RIVERSIDE CA 92501 1 07/28/03 00 2591653 05 10/01/03 0 2591653 N 09/01/33 0 8760586 286/286 F 195,570.00 ZZ 360 195,061.98 1 6.750 1,268.47 90 6.500 1,268.47 SEVIERVILLE TN 37862 1 08/27/03 19 2685626 05 10/01/03 25 2685626 N 09/01/33 0 8760594 286/286 F 36,800.00 ZZ 360 36,704.39 1 6.750 238.69 80 6.500 238.69 FORT WAYNE IN 46807 5 08/19/03 00 2658961 05 10/01/03 0 2658961 N 09/01/33 0 1 8760598 286/286 F 39,000.00 ZZ 360 38,898.69 1 6.750 252.96 80 6.500 252.96 FORT WAYNE IN 46806 5 08/19/03 00 2658991 05 10/01/03 0 2658991 N 09/01/33 0 8760600 286/286 F 36,800.00 ZZ 360 36,704.39 1 6.750 238.69 80 6.500 238.69 FORT WAYNE IN 46806 5 08/22/03 00 2659687 05 10/01/03 0 2659687 N 09/01/33 0 8760602 286/286 F 69,750.00 ZZ 360 69,589.79 1 7.375 481.75 75 7.125 481.75 JONESBORO AR 72403 5 08/15/03 00 2323026 05 10/01/03 0 2323026 N 09/01/33 0 8760604 286/286 F 139,900.00 ZZ 360 139,338.68 4 6.000 838.78 70 5.750 838.78 WASHINGTON DC 20020 5 07/17/03 00 2403685 05 09/01/03 0 2403685 N 08/01/33 0 8760612 286/286 F 83,200.00 ZZ 360 82,961.92 1 6.250 512.28 80 6.000 512.28 BOISE ID 83712 1 08/08/03 00 2671654 05 10/01/03 0 2671654 N 09/01/33 0 8760614 286/286 F 150,000.00 ZZ 360 149,590.97 1 1 6.500 948.11 55 6.250 948.11 NORWALK CA 90650 5 08/06/03 00 2717012 05 10/01/03 0 2717012 N 09/01/33 0 8760618 286/286 F 479,500.00 ZZ 360 478,127.88 4 6.250 2,952.37 70 6.000 2,952.37 BERKELEY CA 94704 1 08/14/03 00 2531319 05 10/01/03 0 2531319 N 09/01/33 0 8760628 286/286 F 80,100.00 ZZ 360 79,911.39 1 7.250 546.43 90 7.000 546.43 PHOENIX AZ 85033 1 08/06/03 10 2723449 05 10/01/03 25 2723449 N 09/01/33 0 8760636 286/286 F 159,800.00 ZZ 360 159,384.92 1 6.750 1,036.46 80 6.500 1,036.46 VIRGINIA BEACH VA 23464 1 08/21/03 00 2726075 05 10/01/03 0 2726075 N 09/01/33 0 8760640 286/286 F 150,000.00 ZZ 360 149,721.40 1 6.375 935.81 80 6.125 935.81 FREDERICKSBURG VA 22405 5 09/02/03 00 2705345 05 11/01/03 0 2705345 N 10/01/33 0 8760654 286/286 F 78,750.00 ZZ 360 78,535.25 2 6.500 497.76 90 6.250 497.76 DES MOINES IA 50311 1 08/27/03 14 2653651 05 10/01/03 25 1 2653651 N 09/01/33 0 8760658 286/286 F 72,000.00 ZZ 360 71,812.96 1 6.750 466.99 90 6.500 466.99 FORT WORTH TX 76132 1 08/26/03 04 2663467 05 10/01/03 25 2663467 N 09/01/33 0 8760660 286/286 F 72,000.00 ZZ 360 71,812.94 1 6.750 467.00 90 6.500 467.00 FORT WORTH TX 76132 1 08/26/03 04 2663529 05 10/01/03 25 2663529 N 09/01/33 0 8760678 286/286 F 72,080.00 ZZ 360 71,790.80 1 6.000 432.16 80 5.750 432.16 PALMYRA PA 17078 1 07/16/03 00 2168432 05 09/01/03 0 2168432 N 08/01/33 0 8760686 286/286 F 36,000.00 ZZ 360 35,901.82 1 6.500 227.55 70 6.250 227.55 INDIANAPOLIS IN 46205 5 08/04/03 00 2690799 05 10/01/03 0 2690799 N 09/01/33 0 8760692 286/286 F 146,000.00 ZZ 360 145,582.24 1 6.250 898.95 80 6.000 898.95 IRVINE CA 92620 2 08/05/03 00 2672482 01 10/01/03 0 2672482 N 09/01/33 0 1 8760706 286/286 F 60,000.00 ZZ 360 59,844.15 1 6.750 389.16 53 6.500 389.16 SACRAMENTO CA 95815 2 09/03/03 00 2716128 05 10/01/03 0 2716128 N 09/01/33 0 8760712 286/286 F 72,000.00 ZZ 360 71,811.16 1 6.750 467.00 63 6.500 467.00 SACRAMENTO CA 95815 2 09/03/03 00 2716184 05 10/01/03 0 2716184 N 09/01/33 0 8760716 286/286 F 53,100.00 ZZ 360 52,974.96 2 7.250 362.24 90 7.000 362.24 ROCKFORD IL 61102 1 09/02/03 14 2776145 05 10/01/03 25 2776145 N 09/01/33 0 8760726 286/286 F 333,000.00 ZZ 360 332,438.86 4 6.875 2,187.58 51 6.625 2,187.58 CHULA VISTA CA 91911 5 08/28/03 00 2705157 05 11/01/03 0 2705157 N 10/01/33 0 8760732 286/286 F 83,700.00 ZZ 360 83,460.49 1 6.250 515.36 39 6.000 515.36 OCEANSIDE CA 92054 2 08/14/03 00 2697723 01 10/01/03 0 2697723 N 09/01/33 0 8760734 286/286 F 170,174.00 ZZ 360 169,687.04 1 6.250 1,047.80 80 6.000 1,047.80 1 RIVERSIDE CA 92567 1 08/19/03 00 2698637 05 10/01/03 0 2698637 N 09/01/33 0 8760738 286/286 F 228,950.00 ZZ 360 228,340.63 2 6.625 1,466.00 80 6.375 1,466.00 SACRAMENTO CA 95841 1 08/08/03 00 2668388 05 10/01/03 0 2668388 N 09/01/33 0 8760742 286/286 F 126,600.00 ZZ 360 126,359.12 1 6.250 779.50 88 6.000 779.50 DRAPER UT 84020 2 09/09/03 12 2687318 01 11/01/03 25 2687318 N 10/01/33 0 8760748 286/286 F 225,000.00 ZZ 360 224,356.17 1 6.250 1,385.37 74 6.000 1,385.37 MURRIETA CA 92563 1 08/18/03 00 2723322 05 10/01/03 0 2723322 N 09/01/33 0 8760756 286/286 F 280,000.00 ZZ 360 279,198.81 1 6.250 1,724.01 66 6.000 1,724.01 GARDEN GROVE CA 92845 5 08/04/03 00 2688272 05 10/01/03 0 2688272 N 09/01/33 0 8760766 286/286 F 66,600.00 ZZ 360 66,326.37 1 5.875 393.97 90 5.625 393.97 CULLEOKA TN 38451 1 07/31/03 19 2681348 05 09/01/03 25 2681348 N 08/01/33 0 1 8760770 286/286 F 150,500.00 ZZ 360 150,089.60 1 6.500 951.27 72 6.250 951.27 MANTECA CA 95336 2 08/20/03 00 2699921 05 10/01/03 0 2699921 N 09/01/33 0 8760788 286/286 F 231,700.00 ZZ 360 231,112.66 4 6.875 1,522.11 70 6.625 1,522.11 BAKERSFIELD CA 93308 1 08/26/03 00 2636151 05 10/01/03 0 2636151 N 09/01/33 0 8760792 286/286 F 280,000.00 ZZ 360 279,290.22 4 6.875 1,839.41 70 6.625 1,839.41 BAKERSFIELD CA 93309 1 08/22/03 00 2672217 05 10/01/03 0 2672217 N 09/01/33 0 8760802 286/286 F 73,100.00 ZZ 360 72,976.65 1 6.875 480.22 85 6.625 480.22 MIAMI BEACH FL 33141 1 09/02/03 14 2746994 01 11/01/03 25 2746994 N 10/01/33 0 8760806 286/286 F 187,500.00 ZZ 360 187,213.77 1 7.375 1,295.02 75 7.125 1,295.02 ST. PETERSBURG FL 33701 1 09/10/03 00 2774332 05 11/01/03 0 2774332 N 10/01/33 0 8760814 286/286 F 277,000.00 ZZ 360 276,188.16 1 1 6.125 1,683.09 61 5.875 1,683.09 FREMONT CA 94539 5 08/13/03 00 2668403 05 10/01/03 0 2668403 N 09/01/33 0 8760822 286/286 F 273,000.00 ZZ 360 272,528.57 3 6.750 1,770.68 70 6.500 1,770.68 SACRAMENTO CA 95814 5 09/10/03 00 2746380 05 11/01/03 0 2746380 N 10/01/33 0 8760836 286/286 F 77,130.00 ZZ 360 76,919.67 1 6.500 487.52 90 6.250 487.52 HIALEAH FL 33018 1 08/08/03 14 2475522 01 10/01/03 25 2475522 N 09/01/33 0 8760844 286/286 F 122,820.00 ZZ 360 122,468.55 2 6.250 756.23 71 6.000 756.23 AUSTIN TX 78749 2 08/13/03 00 2418382 05 10/01/03 0 2418382 N 09/01/33 0 8760848 286/286 F 114,700.00 ZZ 360 114,347.43 1 5.875 678.50 46 5.625 678.50 SUISUN CITY CA 94585 5 08/11/03 00 2636498 05 10/01/03 0 2636498 N 09/01/33 0 8760858 286/286 F 83,500.00 ZZ 252 83,044.41 3 6.750 620.70 56 6.500 620.70 LITTLE ROCK CA 93543 5 08/26/03 00 2681799 05 10/01/03 0 1 2681799 N 09/01/24 0 8760866 286/286 F 68,850.00 ZZ 360 68,687.81 1 7.250 469.68 85 7.000 469.68 SPOKANE WA 99207 5 08/20/03 11 2676646 05 10/01/03 20 2676646 N 09/01/33 0 8760870 286/286 F 193,600.00 ZZ 360 193,072.09 2 6.500 1,223.69 80 6.250 1,223.69 LOS ANGELES CA 90032 1 08/18/03 00 2679453 05 10/01/03 0 2679453 N 09/01/33 0 8760882 286/286 F 170,000.00 ZZ 360 169,733.96 1 7.250 1,159.70 58 7.000 1,159.70 STOCKTON CA 95215 5 09/03/03 00 2729169 05 11/01/03 0 2729169 N 10/01/33 0 8760930 286/286 F 118,800.00 ZZ 360 118,506.15 1 7.000 790.38 90 6.750 790.38 BELLINGHAM WA 98225 1 08/18/03 10 2687300 05 10/01/03 25 2687300 N 09/01/33 0 8760936 286/286 F 170,400.00 ZZ 360 169,957.35 1 6.750 1,105.22 80 6.500 1,105.22 CHINO HILLS CA 91709 1 08/14/03 00 2724818 05 10/01/03 0 2724818 N 09/01/33 0 1 8760940 286/286 F 335,000.00 ZZ 360 334,064.20 4 6.375 2,089.97 55 6.125 2,089.97 OAKLAND CA 94605 5 08/21/03 00 2749692 05 10/01/03 0 2749692 N 09/01/33 0 8760944 286/286 F 300,000.00 ZZ 360 299,181.95 2 6.500 1,896.21 80 6.250 1,896.21 WEST COVINA CA 91792 1 08/21/03 00 2685594 05 10/01/03 0 2685594 N 09/01/33 0 8760952 286/286 F 123,500.00 ZZ 360 123,038.80 1 6.375 770.48 86 6.125 770.48 GLOUCESTER VA 23061 2 07/31/03 10 2539485 05 09/01/03 25 2539485 N 08/01/33 0 8760956 286/286 F 72,000.00 ZZ 360 71,788.98 1 6.125 437.48 64 5.875 437.48 SHASTA LAKE CA 96019 5 08/12/03 00 2666549 05 10/01/03 0 2666549 N 09/01/33 0 8760960 286/286 F 280,000.00 ZZ 360 279,270.16 2 6.750 1,816.08 78 6.500 1,816.08 SANTA ANA CA 92704 5 08/21/03 00 2658611 05 10/01/03 0 2658611 N 09/01/33 0 8760962 286/286 F 118,640.00 ZZ 360 117,765.50 1 6.500 749.89 54 6.250 749.89 1 SAN DIEGO CA 92111 2 03/28/03 00 2137440 01 05/01/03 0 2137440 N 04/01/33 0 8760974 286/286 F 78,450.00 ZZ 360 78,236.08 1 6.500 495.86 75 6.250 495.86 PHOENIX AZ 85033 5 08/10/03 00 2476627 05 10/01/03 0 2476627 N 09/01/33 0 8760978 286/286 F 118,000.00 ZZ 360 117,637.30 1 5.875 698.02 80 5.625 698.02 SUN CITY CA 92586 1 07/31/03 00 2632811 05 10/01/03 0 2632811 N 09/01/33 0 8760982 286/286 F 304,000.00 ZZ 360 303,229.39 1 6.875 1,997.07 80 6.625 1,997.07 WOODLAND HILLS CA 91364 1 07/29/03 00 2676072 05 10/01/03 0 2676072 N 09/01/33 0 8760984 286/286 F 75,600.00 ZZ 360 75,426.33 1 7.375 522.16 89 7.125 522.16 RIO RANCHO NM 87124 2 08/25/03 21 2610498 03 10/01/03 25 2610498 N 09/01/33 0 8760988 286/286 F 139,000.00 ZZ 360 138,572.76 1 5.875 822.24 43 5.625 822.24 SACRAMENTO CA 95864 5 07/30/03 00 2589098 05 10/01/03 0 2589098 N 09/01/33 0 1 8760992 286/286 F 119,000.00 ZZ 360 118,675.48 1 6.500 752.17 73 6.250 752.17 ATLANTA GA 30310 5 08/15/03 00 2697241 05 10/01/03 0 2697241 N 09/01/33 0 8760996 286/286 F 72,000.00 ZZ 360 71,711.12 1 6.000 431.68 80 5.750 431.68 BALTIMORE MD 21210 2 07/31/03 00 2587780 01 09/01/03 0 2587780 N 08/01/33 0 8761000 286/286 F 80,000.00 ZZ 360 79,792.19 1 6.750 518.88 50 6.500 518.88 SCOTTSDALE AZ 85257 1 08/22/03 00 2704165 03 10/01/03 0 2704165 N 09/01/33 0 8761004 286/286 F 200,000.00 ZZ 360 199,413.82 4 6.125 1,215.23 35 5.875 1,215.23 SAN DIEGO CA 92104 5 08/11/03 00 2614331 05 10/01/03 0 2614331 N 09/01/33 0 8761016 286/286 F 60,550.00 ZZ 360 60,312.79 1 6.125 367.91 73 5.875 367.91 VIRGINIA BEACH VA 23462 2 07/24/03 00 2516470 05 09/01/03 0 2516470 N 08/01/33 0 8761094 286/286 F 83,500.00 ZZ 360 83,243.34 1 1 5.875 493.94 56 5.625 493.94 RICHARDSON TX 75081 2 08/15/03 00 2642252 05 10/01/03 0 2642252 N 09/01/33 0 8761142 286/286 F 144,800.00 ZZ 360 144,405.14 1 6.500 915.24 80 6.250 915.24 GLENDALE AZ 85301 1 08/22/03 00 2743137 03 10/01/03 0 2743137 N 09/01/33 0 8761146 286/286 F 250,000.00 ZZ 360 249,284.64 1 6.250 1,539.30 65 6.000 1,539.30 MINERAL VA 23117 1 08/06/03 00 2622664 05 10/01/03 0 2622664 N 09/01/33 0 8761148 286/286 F 146,700.00 ZZ 360 146,354.58 2 7.250 1,000.76 90 7.000 1,000.76 CHICAGO IL 60609 1 08/13/03 19 2644304 05 10/01/03 25 2644304 N 09/01/33 0 8761154 286/286 F 186,400.00 ZZ 360 185,891.72 1 6.500 1,178.18 80 6.250 1,178.18 GRASS VALLEY CA 95945 1 08/18/03 00 2680666 05 10/01/03 0 2680666 N 09/01/33 0 8761170 286/286 F 56,000.00 ZZ 360 55,831.91 1 6.000 335.75 80 5.750 335.75 PHOENIX AZ 85017 1 08/11/03 00 2688226 05 10/01/03 0 1 2688226 N 09/01/33 0 8761180 286/286 F 322,700.00 ZZ 360 321,405.33 1 6.000 1,934.75 60 5.750 1,934.75 SAN FRANCISCO CA 94114 5 07/28/03 00 2607051 01 09/01/03 0 2607051 N 08/01/33 0 8761182 286/286 F 322,700.00 ZZ 360 321,374.25 1 5.875 1,908.90 75 5.625 1,908.90 IRVINE CA 92602 2 07/22/03 00 2213055 01 09/01/03 0 2213055 N 08/01/33 0 8761190 286/286 F 126,000.00 ZZ 360 125,639.45 1 6.250 775.81 70 6.000 775.81 MAPLE GROVE MN 55369 5 08/28/03 00 2763497 05 10/01/03 0 2763497 N 09/01/33 0 8761192 286/286 F 150,000.00 ZZ 360 149,580.98 3 6.375 935.81 62 6.125 935.81 SOMERSWORTH NH 03878 5 08/27/03 00 2723658 05 10/01/03 0 2723658 N 09/01/33 0 8761194 286/286 F 175,000.00 ZZ 360 174,511.14 3 6.375 1,091.78 59 6.125 1,091.78 ROCHESTER NH 03867 5 08/27/03 00 2723700 05 10/01/03 0 2723700 N 09/01/33 0 1 8761196 286/286 F 150,000.00 ZZ 360 149,580.98 2 6.375 935.81 72 6.125 935.81 ROCHESTER NH 03867 5 08/27/03 00 2723705 05 10/01/03 0 2723705 N 09/01/33 0 8761200 286/286 F 330,000.00 ZZ 360 329,078.16 4 6.375 2,058.78 75 6.125 2,058.78 SPRING VALLEY CA 91977 2 07/28/03 00 2548132 05 10/01/03 0 2548132 N 09/01/33 0 8761208 286/286 F 75,000.00 ZZ 360 74,795.46 1 6.500 474.06 67 6.250 474.06 FERNLEY NV 89408 1 08/13/03 00 2183779 05 10/01/03 0 2183779 N 09/01/33 0 8761220 286/286 F 180,600.00 ZZ 360 180,107.54 2 6.500 1,141.52 70 6.250 1,141.52 PALM DESERT CA 92260 5 08/08/03 00 2628794 05 10/01/03 0 2628794 N 09/01/33 0 8761248 286/286 F 144,000.00 ZZ 360 143,462.21 1 6.375 898.38 75 6.125 898.38 RENO NV 89503 2 07/25/03 00 2671064 05 09/01/03 0 2671064 N 08/01/33 0 8761254 286/286 F 112,000.00 ZZ 360 111,722.97 1 7.000 745.14 80 6.750 745.14 1 TEMPE AZ 85282 2 08/26/03 00 2734342 05 10/01/03 0 2734342 N 09/01/33 0 8761260 286/286 F 253,600.00 ZZ 360 252,606.45 1 6.125 1,540.91 80 5.875 1,540.91 DUNKIRK MD 20754 1 07/25/03 00 2550788 05 09/01/03 0 2550788 N 08/01/33 0 8761270 286/286 F 52,000.00 ZZ 360 51,836.23 1 7.250 354.74 80 7.000 354.74 INDIANAPOLIS IN 46201 2 08/01/03 00 2698213 05 09/01/03 0 2698213 N 08/01/33 0 8761272 286/286 F 53,600.00 ZZ 360 53,431.21 1 7.250 365.65 80 7.000 365.65 INDIANAPOLIS IN 46203 2 08/01/03 00 2698242 05 09/01/03 0 2698242 N 08/01/33 0 8761276 286/286 F 211,000.00 ZZ 360 210,351.45 1 5.875 1,248.15 74 5.625 1,248.15 SANDY UT 84093 2 08/12/03 00 2650140 05 10/01/03 0 2650140 N 09/01/33 0 8761278 286/286 F 308,000.00 ZZ 360 307,180.19 1 6.625 1,972.16 70 6.375 1,972.16 DALY CITY CA 94014 5 08/12/03 00 2650257 05 10/01/03 0 2650257 N 09/01/33 0 1 8764298 U05/G02 F 500,000.00 ZZ 360 499,093.53 1 6.500 3,160.34 80 6.250 3,160.34 THOUSAND OAKS CA 91362 5 09/24/03 00 0437073372 03 11/01/03 0 3420265 O 10/01/33 0 8766132 E22/G02 F 152,000.00 ZZ 360 151,855.78 1 6.250 935.89 99 6.000 935.89 CORVALLIS OR 97330 1 10/07/03 10 0418312609 05 12/01/03 35 0418312609 O 11/01/33 0 8769766 A06/G02 F 71,250.00 ZZ 360 71,193.02 1 7.125 480.03 95 6.875 480.03 DETROIT MI 48210 5 10/02/03 11 0436814495 05 12/01/03 30 021000020321923 O 11/01/33 0 8773764 R84/G02 F 438,200.00 ZZ 360 437,784.22 1 6.250 2,698.07 50 6.000 2,698.07 LAS VEGAS NV 89135 5 10/24/03 00 0436910905 03 12/01/03 0 LVW7213 O 11/01/33 0 8777124 F28/G02 F 450,000.00 ZZ 360 449,143.82 1 6.250 2,770.73 74 6.000 2,770.73 WALNUT CA 91789 1 09/18/03 00 0436814271 05 11/01/03 0 6653876 O 10/01/33 0 8777128 F28/G02 F 490,000.00 ZZ 360 489,089.90 1 1 6.375 3,056.97 70 6.125 3,056.97 PARADISE VALLEY AZ 85253 1 09/16/03 00 0436818520 05 11/01/03 0 6656194 O 10/01/33 0 8777250 F28/G02 F 581,000.00 ZZ 360 578,780.66 1 5.500 3,298.86 73 5.250 3,298.86 NISSEQUOGUE NY 11780 5 08/08/03 00 0436811814 05 10/01/03 0 6214388 O 09/01/33 0 8777280 F28/G02 F 379,900.00 ZZ 360 378,868.09 1 7.125 2,559.46 95 6.875 2,559.46 BREWSTER MA 02631 1 08/29/03 04 0436819312 05 10/01/03 30 6544869 O 09/01/33 0 8780016 L76/G02 F 300,000.00 T 360 299,722.14 1 6.375 1,871.61 78 6.125 1,871.61 DELANO MN 55328 1 10/13/03 00 0436884548 05 12/01/03 0 9508076000 O 11/01/33 0 8780022 U35/G02 F 81,000.00 ZZ 360 80,936.82 1 7.250 552.56 90 7.000 552.56 GARY IN 46403 5 10/15/03 04 0436985733 05 12/01/03 25 13626295 O 11/01/33 0 8780224 W30/G02 F 147,600.00 ZZ 360 147,396.19 3 7.875 1,070.20 90 7.625 1,070.20 TORRINGTON CT 06790 1 09/29/03 10 0437045131 05 11/01/03 25 1 120208901 N 10/01/33 0 8780606 B23/G02 F 164,000.00 ZZ 360 163,855.31 1 6.625 1,050.11 80 6.375 1,050.11 FONTANA CA 92337 1 10/10/03 00 0436812598 05 12/01/03 0 80002186 O 11/01/33 0 8780966 E22/G02 F 104,000.00 TX 360 103,903.68 1 6.375 648.82 80 6.125 648.82 CYPRESS TX 77429 5 10/15/03 00 0418405130 03 12/01/03 0 0418405130 O 11/01/33 0 8784826 225/G02 F 360,000.00 ZZ 360 356,311.38 1 6.500 2,275.44 77 6.250 2,275.44 TUCKAHOE NY 10707 5 06/12/03 00 0436811434 05 08/01/03 0 006895524 O 07/01/33 0 8784828 225/G02 F 310,000.00 ZZ 360 309,438.00 1 6.500 1,959.41 61 6.250 1,959.41 JACKSONVILLE FL 32223 1 09/15/03 00 0436818314 05 11/01/03 0 006898025 O 10/01/33 0 8784872 225/G02 F 454,910.00 ZZ 360 139,050.35 1 7.625 3,219.82 72 7.375 3,219.82 WELLINGTON FL 33414 1 09/03/03 00 0436818017 03 11/01/03 0 006927365 N 10/01/33 0 1 8784886 225/G02 F 465,000.00 ZZ 360 462,717.05 1 6.125 2,825.39 80 5.875 2,825.39 ESCONDIDO CA 92026 5 06/25/03 00 0436817811 05 08/01/03 0 007482524 O 07/01/33 0 8784898 225/G02 F 340,000.00 ZZ 360 338,569.84 1 5.750 1,984.15 80 5.500 1,984.15 ORANGE CA 92867 5 07/17/03 00 0436817704 05 09/01/03 0 007488719 O 08/01/33 0 8784904 225/G02 F 550,000.00 ZZ 360 547,740.46 1 5.875 3,253.46 75 5.625 3,253.46 NEWBURGH NY 12550 5 08/07/03 00 0436817969 05 09/01/03 0 007496101 O 08/01/33 0 8785496 E22/G02 F 145,000.00 ZZ 360 144,872.07 1 6.625 928.45 43 6.375 928.45 DOLYSTOWN PA 18901 1 10/21/03 00 0418477758 05 12/01/03 0 0418477758 O 11/01/33 0 8785886 E22/G02 F 160,000.00 ZZ 360 159,855.36 1 6.500 1,011.31 79 6.250 1,011.31 MADISONVILLE LA 70471 1 10/20/03 00 0418865069 05 12/01/03 0 0418865069 O 11/01/33 0 8786753 883/G02 F 153,000.00 ZZ 360 152,266.53 1 6.250 942.05 83 6.000 942.05 1 MERRITT ISLAND FL 32953 5 06/02/03 10 0436037030 07 08/01/03 12 05021674 O 07/01/33 0 8791276 676/G02 F 585,000.00 ZZ 360 583,886.95 1 6.250 3,601.95 72 6.000 3,601.95 HONOLULU HI 96825 5 09/09/03 00 0436846596 03 11/01/03 0 6005474640 O 10/01/33 0 8791806 E22/G02 F 122,400.00 ZZ 360 122,289.35 1 6.500 773.65 80 6.250 773.65 MADISON AL 35758 5 10/17/03 00 0418588638 05 12/01/03 0 0418588638 O 11/01/33 0 8792164 E22/G02 F 71,000.00 ZZ 360 70,935.81 1 6.500 448.77 63 6.250 448.77 SOUTHGATE MI 48195 1 10/22/03 00 0418876447 05 12/01/03 0 0418876447 O 11/01/33 0 8794406 N74/G02 F 98,600.00 ZZ 240 98,190.74 1 6.375 727.90 79 6.125 727.90 CHESAPEAKE VA 23323 2 10/15/03 00 0436985246 05 11/20/03 0 0033555010 O 10/20/23 0 8794686 X08/G02 F 81,200.00 ZZ 360 81,131.78 1 6.875 533.43 70 6.625 533.43 MANITOU SPRINGS CO 80829 5 10/09/03 00 0437047681 05 12/01/03 0 6036686 N 11/01/33 0 1 8794960 E22/G02 F 393,750.00 ZZ 360 393,394.04 1 6.500 2,488.77 75 6.250 2,488.77 BUENA VISTA CO 81211 2 10/23/03 00 0418757365 05 12/01/03 0 0418757365 O 11/01/33 0 8796158 K15/G02 F 229,500.00 ZZ 360 229,297.52 1 6.625 1,469.51 85 6.375 1,469.51 RIVERSIDE CA 92503 5 09/30/03 41 0436840912 05 12/01/03 12 038405513839 O 11/01/33 0 8796760 R55/G02 F 176,000.00 ZZ 360 175,852.14 1 6.875 1,156.19 80 6.625 1,156.19 LAFAYETTE IN 47905 1 10/17/03 00 0436840862 05 12/01/03 0 100094600000231 O 11/01/33 0 8798126 X67/G02 F 85,000.00 ZZ 360 84,926.82 1 6.750 551.31 43 6.500 551.31 LAKE ELIZABETH CA 93532 1 10/02/03 00 0436839898 05 12/01/03 0 0000427002 O 11/01/33 0 8798294 N67/G02 F 74,800.00 ZZ 360 74,744.49 1 7.500 523.01 80 7.250 523.01 ROGERS AR 72756 1 10/14/03 00 0436940605 05 12/01/03 0 1162003001 O 11/01/33 0 8798468 N67/G02 F 450,800.00 ZZ 360 450,340.39 1 1 5.875 2,666.65 80 5.625 2,666.65 NAPERVILLE IL 60564 1 10/09/03 00 0436941041 03 12/01/03 0 1760005095 O 11/01/33 0 8798542 N67/G02 F 85,000.00 ZZ 240 84,844.13 1 7.375 678.27 76 7.125 678.27 GLENDALE AZ 85303 5 10/07/03 00 0436941314 05 12/01/03 0 1781007523 O 11/01/23 0 8798562 N67/G02 F 352,000.00 ZZ 360 351,614.71 1 5.500 1,998.62 80 5.250 1,998.62 BOTHELL WA 98012 1 10/10/03 00 0436941439 05 12/01/03 0 1781007568 O 11/01/33 0 8798830 N67/G02 F 180,000.00 ZZ 360 179,816.48 1 5.875 1,064.77 80 5.625 1,064.77 JONESBORO GA 30238 1 10/10/03 00 0436942957 05 12/01/03 0 3254008549 O 11/01/33 0 8798914 N67/G02 F 33,900.00 ZZ 360 33,844.53 1 7.025 226.11 60 6.775 226.11 MARGATE FL 33063 1 09/19/03 00 0436943468 01 11/01/03 0 3255004562 O 10/01/33 0 8798946 N67/G02 F 72,200.00 ZZ 360 72,139.35 1 6.875 474.30 54 6.625 474.30 LAS VEGAS NV 89104 2 10/02/03 00 0436832463 05 12/01/03 0 1 1162002895 N 11/01/33 0 8799112 N67/G02 F 41,000.00 ZZ 360 40,964.70 1 6.750 265.93 46 6.500 265.93 PAYSON AZ 85541 1 10/02/03 00 0436832810 01 12/01/03 0 1781007465 O 11/01/33 0 8799272 N67/G02 F 482,400.00 ZZ 360 481,626.17 1 7.125 3,250.02 80 6.875 3,250.02 DES PLAINES IL 60018 1 09/22/03 00 0436945489 05 11/01/03 0 3265004844 O 10/01/33 0 8799296 N67/G02 F 100,000.00 ZZ 360 99,909.60 1 6.500 632.07 60 6.250 632.07 POMPANO BEACH FL 33064 1 10/03/03 00 0436833156 05 12/01/03 0 3252005859 O 11/01/33 0 8799312 N67/G02 F 131,000.00 ZZ 360 130,881.57 1 6.500 828.01 78 6.250 828.01 LAKELAND TN 38002 5 10/01/03 00 0436833180 05 12/01/03 0 3254008126 O 11/01/33 0 8799384 N67/G02 F 123,900.00 ZZ 360 123,728.90 1 7.875 898.36 80 7.625 898.36 WEST PALM BEACH FL 33406 1 10/03/03 00 0436833347 05 11/01/03 0 3254008460 O 10/01/33 0 1 8799428 N67/G02 F 85,000.00 ZZ 360 84,940.01 1 7.750 608.95 70 7.500 608.95 NEW PORT RICHEY FL 34653 2 09/30/03 00 0436833446 05 12/01/03 0 3254008528 O 11/01/33 0 8799432 N67/G02 F 288,000.00 ZZ 360 287,745.90 1 6.625 1,844.10 80 6.375 1,844.10 ANNANDALE VA 22003 1 10/14/03 00 0436946313 05 12/01/03 0 3274013057 O 11/01/33 0 8799434 N67/G02 F 110,000.00 ZZ 360 109,912.04 2 7.125 741.09 71 6.875 741.09 CLEARWATER FL 33756 1 10/06/03 00 0436833461 05 12/01/03 0 3254008560 O 11/01/33 0 8800744 T17/G02 F 235,200.00 ZZ 360 234,992.49 1 6.625 1,506.01 80 6.375 1,506.01 DECATUR GA 30033 1 10/14/03 00 0436844336 05 12/01/03 0 0309160001 O 11/01/33 0 8801130 144/144 F 110,000.00 ZZ 360 109,819.15 1 7.000 731.83 27 6.750 731.83 CROTON ON HUDSO NY 10520 5 09/18/03 00 160740571000000 05 11/01/03 0 160740571 O 10/01/33 0 8801330 L14/G02 F 175,750.00 ZZ 360 175,453.84 1 6.875 1,154.56 95 6.625 1,154.56 1 BEACH PARK IL 60087 1 09/19/03 12 0436837991 05 11/01/03 30 204261282 O 10/01/33 0 8801424 L14/G02 F 148,500.00 ZZ 360 148,249.77 1 6.875 975.54 90 6.625 975.54 CHANDLER AZ 85224 1 09/12/03 12 0436837694 03 11/01/03 25 224500367 O 10/01/33 0 8801426 L14/G02 F 144,000.00 ZZ 360 143,726.01 1 6.250 886.64 90 6.000 886.64 PISCATAWAY NJ 08854 1 09/02/03 12 0436837793 05 11/01/03 25 214818811 O 10/01/33 0 8801428 L14/G02 F 130,000.00 ZZ 360 129,791.46 1 7.125 875.84 37 6.875 875.84 OAKLAND CA 94601 5 09/05/03 00 0436839070 05 11/01/03 0 201616363 O 10/01/33 0 8801438 E57/G02 F 156,750.00 ZZ 360 156,615.04 1 6.750 1,016.68 95 6.500 1,016.68 FONTANA CA 92335 1 10/09/03 04 0436838296 05 12/01/03 30 06019663 O 11/01/33 0 8801462 L14/G02 F 123,435.00 ZZ 360 123,232.05 1 7.000 821.22 65 6.750 821.22 SPRING HILL FL 34609 1 09/29/03 00 0436834618 05 11/01/03 0 231906030 O 10/01/33 0 1 8801482 L14/G02 F 190,285.00 ZZ 360 189,956.40 1 6.750 1,234.19 95 6.500 1,234.19 BAKERSFIELD CA 93311 1 09/19/03 11 0436831127 05 11/01/03 30 121503107 O 10/01/33 0 8801514 L14/G02 F 155,120.00 ZZ 360 154,845.51 1 6.625 993.26 80 6.375 993.26 PHOENIX AZ 85022 1 09/22/03 00 0436834048 03 11/01/03 0 202124658 O 10/01/33 0 8801516 L14/G02 F 70,000.00 T 360 69,914.88 1 8.500 538.24 45 8.250 538.24 THE VILLAGES FL 32162 1 09/09/03 00 0436838031 03 11/01/03 0 231905937 O 10/01/33 0 8801530 L14/G02 F 134,950.00 ZZ 360 134,686.99 1 6.125 819.98 89 5.875 819.98 LAS VEGAS NV 89143 1 09/09/03 12 0436841969 03 11/01/03 25 134300462 O 10/01/33 0 8801540 L14/G02 F 99,275.00 ZZ 360 99,107.71 1 6.875 652.17 95 6.625 652.17 FREDERICK MD 21704 1 09/24/03 12 0436834907 05 11/01/03 30 234100397 O 10/01/33 0 8801562 L14/G02 F 350,000.00 ZZ 360 349,317.90 1 1 6.125 2,126.64 90 5.875 2,126.64 YUMA AZ 85364 1 09/01/03 12 0436836696 05 11/01/03 25 225500021 O 10/01/33 0 8801566 L14/G02 F 149,900.00 ZZ 360 149,647.40 1 6.875 984.74 95 6.625 984.74 FORT WORTH TX 76248 1 09/22/03 12 0436838106 05 11/01/03 30 114221893 O 10/01/33 0 8801568 L14/G02 F 132,050.00 ZZ 360 131,821.96 1 6.750 856.48 95 6.500 856.48 HARRODSBURG KY 40330 1 09/22/03 12 0436838387 05 11/01/03 30 216416666 O 10/01/33 0 8801740 W57/G02 F 400,000.00 ZZ 360 399,274.82 1 6.500 2,528.28 79 6.250 2,528.28 NASHVILLE TN 37205 5 09/25/03 00 0436836944 05 11/01/03 0 230327995 O 10/01/33 0 8801914 L14/G02 F 224,250.00 ZZ 360 223,833.49 1 6.375 1,399.03 65 6.125 1,399.03 SUMMERFIELD NC 27358 1 09/29/03 00 0436835177 05 11/01/03 0 231104149 O 10/01/33 0 8801986 L14/G02 F 122,550.00 ZZ 360 122,343.49 1 6.875 805.07 95 6.625 805.07 MANDEVILLE LA 70448 1 09/30/03 11 0436843247 05 11/01/03 30 1 222801342 O 10/01/33 0 8801990 L14/G02 F 223,250.00 ZZ 360 222,873.80 1 6.875 1,466.60 95 6.625 1,466.60 CERES CA 95307 1 09/09/03 12 0436837579 05 11/01/03 30 214405817 O 10/01/33 0 8802040 L14/G02 F 156,655.00 ZZ 360 156,391.01 1 6.875 1,029.12 95 6.625 1,029.12 HAMILTON NJ 08690 1 09/09/03 11 0436837926 05 11/01/03 30 214818890 O 10/01/33 0 8802512 E22/G02 F 117,720.00 ZZ 360 117,613.58 1 6.500 744.07 90 6.250 744.07 RIDGEDALE MO 65739 1 10/23/03 01 0418895082 05 12/01/03 35 0418895082 O 11/01/33 0 8802534 H93/G02 F 140,500.00 ZZ 360 140,372.98 1 6.500 888.06 95 6.250 888.06 RAYTOWN MO 64138 1 10/20/03 04 0436840557 05 12/01/03 30 2003001337 O 11/01/33 0 8802658 E22/G02 F 83,200.00 ZZ 360 83,122.94 1 6.375 519.06 80 6.125 519.06 VISALIA CA 93292 1 10/09/03 00 0418793733 03 12/01/03 0 0418793733 O 11/01/33 0 1 8802660 E22/G02 F 104,500.00 ZZ 360 104,410.02 1 6.750 677.79 95 6.500 677.79 WAYNESVILLE OH 45068 5 10/20/03 01 0418793956 05 12/01/03 30 0418793956 O 11/01/33 0 8802848 E22/G02 F 75,525.00 ZZ 360 75,468.95 1 7.500 528.08 95 7.250 528.08 WETMORE KS 66436 1 10/24/03 01 0418832903 05 12/01/03 30 0418832903 O 11/01/33 0 8803170 T09/G02 F 170,000.00 ZZ 360 169,846.31 1 6.500 1,074.52 95 6.250 1,074.52 REEDLEY CA 93654 1 10/02/03 01 0436852826 05 12/01/03 25 2003003893 O 11/01/33 0 8807016 E22/G02 F 164,000.00 ZZ 360 163,848.10 1 6.375 1,023.15 80 6.125 1,023.15 OLIVE BRANCH MS 38654 1 10/24/03 00 0418595781 05 12/01/03 0 0418595781 O 11/01/33 0 8807058 E22/G02 F 130,000.00 ZZ 360 129,888.07 1 6.750 843.18 76 6.500 843.18 EXPANOLA NM 87532 5 10/21/03 00 0418625000 05 12/01/03 0 0418625000 O 11/01/33 0 8807070 E22/G02 F 74,700.00 ZZ 360 74,630.81 1 6.375 466.03 90 6.125 466.03 1 NILES MI 49120 5 10/22/03 01 0418640744 05 12/01/03 25 0418640744 O 11/01/33 0 8807104 E22/G02 F 284,000.00 TX 360 283,743.26 1 6.500 1,795.07 70 6.250 1,795.07 DALLAS TX 75254 5 10/22/03 00 0418657433 03 12/01/03 0 0418657433 O 11/01/33 0 8807178 J40/G02 F 73,800.00 ZZ 360 73,662.92 1 6.375 460.42 90 6.125 460.42 CANTON MS 39046 1 09/29/03 01 0436842660 07 11/01/03 25 58875 O 10/01/33 0 8807228 U35/G02 F 125,875.00 ZZ 360 125,523.38 1 6.375 785.30 95 6.125 785.30 FRESNO CA 93705 1 08/05/03 04 0437012230 05 10/01/03 30 12772851 O 09/01/33 0 8807260 K15/G02 F 155,000.00 ZZ 360 154,852.93 1 6.250 954.36 68 6.000 954.36 POMONA NY 10970 5 10/20/03 00 0436844047 01 12/01/03 0 005005523160 O 11/01/33 0 8807330 K15/G02 F 118,000.00 ZZ 360 117,898.40 1 6.750 765.35 92 6.500 765.35 NORTH LITTLE RO AR 72117 5 10/09/03 41 0436846240 05 12/01/03 30 038205513703 O 11/01/33 0 1 8807344 E22/G02 F 92,000.00 TX 360 91,920.79 1 6.750 596.71 80 6.500 596.71 KATY TX 77449 5 10/17/03 00 0418440194 03 12/01/03 0 0418440194 O 11/01/33 0 8807366 E22/G02 F 300,000.00 ZZ 360 299,754.09 1 7.000 1,995.91 80 6.750 1,995.91 WILLIAMSBURG VA 23185 2 10/27/03 00 0418481859 05 12/01/03 0 0418481859 N 11/01/33 0 8807374 E22/G02 F 148,000.00 TX 360 147,869.42 1 6.625 947.66 80 6.375 947.66 SUGAR LAND TX 77478 5 10/22/03 00 0418492369 03 12/01/03 0 0418492369 O 11/01/33 0 8807416 E86/G02 F 123,700.00 ZZ 360 123,603.50 1 7.250 843.85 80 7.000 843.85 PORTLAND OR 97220 1 10/21/03 00 0436850184 05 12/01/03 0 0000425338 O 11/01/33 0 8807742 L49/G02 F 425,950.00 ZZ 360 425,545.84 1 6.250 2,622.65 90 6.000 2,622.65 OXNARD CA 93030 1 10/22/03 11 0436853402 05 12/01/03 25 10016256 O 11/01/33 0 8807860 X81/G02 F 150,000.00 ZZ 360 149,864.40 1 1 6.500 948.10 94 6.250 948.10 ZIMMERMAN MN 55398 1 10/22/03 10 0436879696 05 12/01/03 30 9538792387 O 11/01/33 0 8807928 L49/G02 F 440,000.00 ZZ 360 439,540.61 1 5.750 2,567.72 52 5.500 2,567.72 LIVERMORE CA 94550 1 10/16/03 00 0436853147 05 12/01/03 0 10016869 O 11/01/33 0 8807974 144/144 F 160,000.00 ZZ 360 159,695.57 1 6.250 985.15 35 6.000 985.15 CORTLANDT MANOR NY 10567 5 09/19/03 00 160699579000000 03 11/01/03 0 160699579 O 10/01/33 0 8808796 K15/G02 F 320,400.00 ZZ 360 320,095.99 1 6.250 1,972.76 77 6.000 1,972.76 VALLEY STREAM NY 11580 5 10/07/03 00 0436845846 05 12/01/03 0 011205522754 O 11/01/33 0 8811542 E22/G02 F 179,100.00 ZZ 360 178,537.80 1 6.750 1,161.64 90 6.500 1,161.64 INDIO CA 92201 5 10/17/03 01 0418678769 05 12/01/03 25 0418678769 O 11/01/33 0 8811554 A52/G02 F 99,000.00 ZZ 360 99,000.00 1 7.375 683.77 90 7.125 683.77 CLEVELAND GA 30528 5 10/28/03 11 0436842181 05 01/01/04 25 1 27680 O 12/01/33 0 8811598 E22/G02 F 183,200.00 ZZ 360 182,573.25 1 6.375 1,142.93 80 6.125 1,142.93 GARDENDALE AL 35071 1 10/28/03 00 0418728465 05 12/01/03 0 0418728465 O 11/01/33 0 8811622 E22/G02 F 170,000.00 ZZ 360 169,846.31 1 6.500 1,074.52 57 6.250 1,074.52 CLIFTON NJ 07012 5 10/23/03 00 0418738290 05 12/01/03 0 0418738290 O 11/01/33 0 8811670 E22/G02 F 60,000.00 ZZ 360 59,949.59 1 6.875 394.16 94 6.625 394.16 ECLECTIC AL 36024 5 10/23/03 04 0418757076 05 12/01/03 30 0418757076 O 11/01/33 0 8811802 E22/G02 F 107,000.00 ZZ 240 106,768.42 1 6.000 766.58 43 5.750 766.58 JAMAICA NY 11434 5 10/23/03 00 0418795225 07 12/01/03 0 0418795225 O 11/01/23 0 8811826 E22/G02 F 205,400.00 ZZ 360 205,209.76 1 6.375 1,281.43 79 6.125 1,281.43 DURHAM NC 27707 1 10/28/03 00 0418802070 03 12/01/03 0 0418802070 O 11/01/33 0 1 8811886 E22/G02 F 249,000.00 ZZ 360 248,769.37 1 6.375 1,553.44 72 6.125 1,553.44 PENN VALLEY CA 95946 1 10/13/03 00 0418825485 03 12/01/03 0 0418825485 O 11/01/33 0 8811978 E22/G02 F 398,700.00 ZZ 360 398,356.73 1 6.750 2,585.96 90 6.500 2,585.96 BEREKELEY HEIGH NJ 07922 1 10/28/03 01 0418845681 05 12/01/03 25 0418845681 O 11/01/33 0 8812270 R84/G02 F 268,000.00 ZZ 360 267,757.73 1 6.500 1,693.94 80 6.250 1,693.94 RENTON WA 98055 5 10/21/03 00 0436845226 03 12/01/03 0 WA310052 O 11/01/33 0 8812508 642/G02 F 61,700.00 ZZ 360 61,654.21 1 7.500 431.42 95 7.250 431.42 BIRMINGHAM AL 35208 5 10/16/03 11 0436844245 05 12/01/03 35 09187303 O 11/01/33 0 8813934 K15/G02 F 143,000.00 ZZ 360 142,893.87 1 7.500 999.88 90 7.250 999.88 MADERA CA 93638 5 10/22/03 41 0436851166 05 12/01/03 25 038305513917 O 11/01/33 0 8813940 K15/G02 F 91,000.00 ZZ 360 90,917.74 1 6.500 575.18 77 6.250 575.18 1 KINGSTON NH 03848 5 10/27/03 00 0436856918 05 12/01/03 0 033105522057 O 11/01/33 0 8814054 G34/G02 F 185,300.00 TX 360 185,128.38 1 6.375 1,156.03 77 6.125 1,156.03 DECATUR TX 76234 5 10/20/03 00 0436871248 05 12/01/03 0 47010924 O 11/01/33 0 8814380 E22/G02 F 145,400.00 T 360 145,271.72 1 6.625 931.01 61 6.375 931.01 SOUTH HAVEN MI 49090 1 10/29/03 00 0418498622 05 12/01/03 0 0418498622 O 11/01/33 0 8814408 E22/G02 F 96,000.00 ZZ 360 95,908.91 1 6.250 591.09 80 6.000 591.09 TACOMA WA 98418 5 10/16/03 00 0418546792 05 12/01/03 0 0418546792 O 11/01/33 0 8814552 E85/G02 F 524,000.00 ZZ 360 523,490.70 1 6.125 3,183.88 80 5.875 3,183.88 SEBASTOPOL CA 95472 1 10/23/03 00 0436889927 05 12/01/03 0 9622238 O 11/01/33 0 8814592 E22/G02 F 235,000.00 ZZ 360 234,766.06 1 6.000 1,408.94 51 5.750 1,408.94 WEST CALDWELL NJ 07006 5 10/24/03 00 0418910352 05 12/01/03 0 0418910352 O 11/01/33 0 1 8814734 E22/G02 F 448,000.00 ZZ 360 447,585.06 1 6.375 2,794.94 80 6.125 2,794.94 OAK VIEW CA 93022 5 10/10/03 00 0418819025 05 12/01/03 0 0418819025 O 11/01/33 0 8814772 E22/G02 F 399,990.00 ZZ 360 399,628.40 2 6.500 2,528.21 79 6.250 2,528.21 NORWALK CT 06854 5 10/24/03 00 0418086823 05 12/01/03 0 0418086823 O 11/01/33 0 8814802 E11/G02 F 124,000.00 ZZ 360 123,882.34 1 6.250 763.49 72 6.000 763.49 MOUNDSVIEW MN 55112 1 10/24/03 00 0436852701 01 12/01/03 0 414651 O 11/01/33 0 8814820 E22/G02 F 314,000.00 ZZ 360 313,694.81 1 6.125 1,907.90 79 5.875 1,907.90 FELTON CA 95018 5 10/23/03 00 0418703518 05 12/01/03 0 0418703518 O 11/01/33 0 8814888 E22/G02 F 313,500.00 ZZ 360 313,236.62 1 6.875 2,059.47 95 6.625 2,059.47 SAINT SIMONS IS GA 31522 1 10/29/03 01 0418690574 05 12/01/03 30 0418690574 O 11/01/33 0 8814988 313/G02 F 179,100.00 ZZ 360 178,941.98 1 1 6.625 1,146.80 80 6.375 1,146.80 SUWANEE GA 30024 1 10/23/03 00 0436849434 03 12/01/03 0 0009928763 O 11/01/33 0 8815094 E22/G02 F 180,000.00 ZZ 360 179,837.28 1 6.500 1,137.72 90 6.250 1,137.72 ROCKAWAY NJ 07866 1 10/29/03 04 0418758892 05 12/01/03 25 0418758892 O 11/01/33 0 8816440 956/956 F 650,000.00 ZZ 360 649,321.36 1 5.750 3,793.22 56 5.500 3,793.22 CASTLE ROCK CO 80108 1 10/24/03 00 2413100019 03 12/01/03 0 2413100019 O 11/01/33 0 8816446 956/956 F 164,000.00 ZZ 360 163,709.82 1 6.625 1,050.11 62 6.375 1,050.11 EDINA MN 55424 2 09/05/03 00 3513080036 05 11/01/03 0 3513080036 O 10/01/33 0 8816450 956/956 F 194,000.00 ZZ 360 193,656.74 1 6.625 1,242.20 59 6.375 1,242.20 BOULDER CO 80305 2 09/09/03 00 3613080147 05 11/01/03 0 3613080147 O 10/01/33 0 8816452 956/956 F 100,000.00 ZZ 360 99,900.45 1 6.000 599.55 80 5.750 599.55 LEBANON TN 37090 2 10/22/03 00 4613090038 05 12/01/03 0 1 4613090038 O 11/01/33 0 8816454 956/956 F 650,000.00 ZZ 360 648,733.25 1 6.125 3,949.47 67 5.875 3,949.47 SAN MATEO CA 94401 1 09/22/03 00 5313090003 05 11/01/03 0 5313090003 O 10/01/33 0 8816456 956/956 F 650,000.00 ZZ 360 649,246.74 1 5.750 3,793.22 71 5.500 3,793.22 SANTA CRUZ CA 95060 2 10/03/03 00 5613090019 05 12/01/03 0 5613090019 O 11/01/33 0 8817112 168/168 F 63,900.00 ZZ 360 63,851.37 3 7.375 441.35 90 7.125 441.35 ROCHESTER NY 14607 1 10/28/03 04 3748480 05 12/01/03 25 1 N 11/01/33 0 8817456 T79/G02 F 127,920.00 ZZ 360 127,815.15 1 7.000 851.05 80 6.750 851.05 GRAIN VALLEY MO 64029 1 10/16/03 00 0436892988 05 12/01/03 0 1150310051 O 11/01/33 0 8818088 U35/G02 F 65,700.00 ZZ 360 65,636.14 1 6.125 399.20 90 5.875 399.20 ATTICA IN 47918 5 10/21/03 04 0436961353 05 12/01/03 25 13717304 O 11/01/33 0 1 8818090 E85/G02 F 369,000.00 ZZ 360 368,641.44 1 6.125 2,242.00 79 5.875 2,242.00 NOVATO CA 94947 5 10/21/03 00 0436908412 05 12/01/03 0 9621008 O 11/01/33 0 8818588 E22/G02 F 346,750.00 ZZ 360 346,444.07 3 6.625 2,220.28 95 6.375 2,220.28 ATLANTIC HIGHLA NJ 07716 1 10/30/03 04 0418174611 05 12/01/03 30 0418174611 O 11/01/33 0 8818716 E22/G02 F 180,000.00 ZZ 360 179,845.02 1 6.750 1,167.48 80 6.500 1,167.48 SAN DIEGO CA 92105 1 10/23/03 00 0418595229 05 12/01/03 0 0418595229 O 11/01/33 0 8818726 E22/G02 F 156,000.00 ZZ 360 155,862.36 1 6.625 998.89 65 6.375 998.89 NORTH READING MA 01864 1 10/30/03 00 0418598942 05 12/01/03 0 0418598942 O 11/01/33 0 8818802 E22/G02 F 129,000.00 ZZ 360 128,880.52 1 6.375 804.79 100 6.125 804.79 BLUE SPRINGS MO 64014 1 10/30/03 01 0418649778 05 12/01/03 35 0418649778 O 11/01/33 0 8818832 E22/G02 F 142,320.00 ZZ 360 142,174.90 1 5.875 841.88 80 5.625 841.88 1 ACWORTH GA 30101 1 10/30/03 00 0418707840 03 12/01/03 0 0418707840 O 11/01/33 0 8818914 E22/G02 F 153,000.00 ZZ 360 152,847.69 1 6.000 917.31 90 5.750 917.31 DELHI CA 95315 5 10/22/03 01 0418753372 05 12/01/03 25 0418753372 O 11/01/33 0 8818924 E22/G02 F 96,000.00 ZZ 360 95,919.35 2 6.875 630.65 80 6.625 630.65 SAINT LOUIS MO 63110 1 10/30/03 00 0418758694 05 12/01/03 0 0418758694 O 11/01/33 0 8818932 E22/G02 F 242,250.00 ZZ 360 242,020.15 1 6.250 1,491.57 95 6.000 1,491.57 KERMAN CA 93630 5 10/07/03 04 0418762910 05 12/01/03 30 0418762910 O 11/01/33 0 8818968 E22/G02 F 236,700.00 ZZ 360 236,501.14 3 6.875 1,554.95 90 6.625 1,554.95 SOMMERSWORTH NH 03878 1 10/30/03 01 0418805602 05 12/01/03 25 0418805602 O 11/01/33 0 8819090 E22/G02 F 152,500.00 ZZ 360 152,378.05 4 7.125 1,027.42 75 6.875 1,027.42 BLUE SPRINGS MO 64015 2 10/30/03 00 0418843959 05 12/01/03 0 0418843959 N 11/01/33 0 1 8819118 E22/G02 F 132,000.00 ZZ 360 131,871.70 1 6.125 802.05 80 5.875 802.05 SACRAMENTO CA 95826 1 10/20/03 00 0418854188 09 12/01/03 0 0418854188 O 11/01/33 0 8819198 E22/G02 F 70,205.00 ZZ 360 70,151.58 2 7.375 484.89 95 7.125 484.89 DETROIT MI 48238 1 10/30/03 01 0418885653 05 12/01/03 30 0418885653 O 11/01/33 0 8819658 642/G02 F 382,850.00 ZZ 360 382,551.34 1 7.250 2,611.71 95 7.000 2,611.71 AURORA IL 60504 2 10/01/03 11 0436965040 03 12/01/03 35 09100803 O 11/01/33 0 8819694 956/956 F 366,750.00 ZZ 360 365,278.61 1 6.000 2,198.85 75 5.750 2,198.85 DRAPER UT 84020 5 07/29/03 00 1113080225 03 09/01/03 0 1113080225 O 08/01/33 0 8820148 W93/G02 F 135,000.00 ZZ 360 134,766.88 1 6.750 875.61 70 6.500 875.61 SANTA CLARITA CA 91321 5 09/18/03 00 0436859664 01 11/01/03 0 67487501 O 10/01/33 0 8820160 W93/G02 F 118,500.00 ZZ 360 118,400.45 1 1 6.875 778.46 50 6.625 778.46 LOS ANGELES CA 90744 2 09/30/03 00 0436859748 05 12/01/03 0 67509068 O 11/01/33 0 8820162 W93/G02 F 108,000.00 ZZ 360 107,904.71 1 6.625 691.54 39 6.375 691.54 LONG BEACH CA 90806 5 10/01/03 00 0436859763 05 12/01/03 0 67509257 O 11/01/33 0 8820254 W93/G02 F 399,950.00 ZZ 360 399,242.33 1 6.625 2,560.92 60 6.375 2,560.92 DENVER CO 80209 5 09/22/03 00 0436903413 05 11/01/03 0 78506285 O 10/01/33 0 8820286 W93/G02 F 348,000.00 ZZ 360 347,685.40 1 6.500 2,199.60 80 6.250 2,199.60 COTATI CA 94931 1 10/08/03 00 0436869705 05 12/01/03 0 21497586 O 11/01/33 0 8820298 W93/G02 F 417,200.00 ZZ 360 416,406.23 1 6.250 2,568.77 80 6.000 2,568.77 CORONA CA 92882 5 09/24/03 00 0436875652 03 11/01/03 0 28471246 O 10/01/33 0 8820312 W93/G02 F 151,600.00 ZZ 360 151,331.76 1 6.625 970.71 23 6.375 970.71 SANTA YNEZ CA 93460 5 09/29/03 00 0436903116 05 11/01/03 0 1 28485635 O 10/01/33 0 8820316 W93/G02 F 356,000.00 ZZ 360 355,678.17 1 6.500 2,250.16 80 6.250 2,250.16 PEYTON CO 80831 2 09/29/03 00 0436876056 05 12/01/03 0 30508029 O 11/01/33 0 8820318 W93/G02 F 216,000.00 ZZ 360 215,617.81 1 6.625 1,383.07 80 6.375 1,383.07 AURORA CO 80015 5 09/30/03 00 0436859714 03 11/01/03 0 30508144 O 10/01/33 0 8820320 W93/G02 F 204,500.00 ZZ 360 204,319.57 1 6.625 1,309.44 79 6.375 1,309.44 DENVER CO 80210 5 10/08/03 00 0436859813 05 12/01/03 0 30508401 O 11/01/33 0 8820346 W93/G02 F 196,000.00 ZZ 360 195,835.34 1 6.875 1,287.58 80 6.625 1,287.58 JEROME ID 83338 5 10/06/03 00 0436859623 05 12/01/03 0 35493218 O 11/01/33 0 8820356 W93/G02 F 125,000.00 ZZ 360 124,894.99 1 6.875 821.16 72 6.625 821.16 PRESCOTT AZ 86301 2 10/13/03 00 0436870307 05 12/01/03 0 35513137 O 11/01/33 0 1 8820358 W93/G02 F 179,925.00 ZZ 360 179,621.81 1 6.875 1,181.98 75 6.625 1,181.98 WILLIAMS OR 97544 1 09/23/03 00 0436870331 05 11/01/03 0 44501767 O 10/01/33 0 8820360 W93/G02 F 336,700.00 ZZ 360 336,417.13 1 6.875 2,211.88 90 6.625 2,211.88 CLOVIS CA 93611 1 10/15/03 01 0436870323 05 12/01/03 25 45443795 O 11/01/33 0 8820362 W93/G02 F 160,000.00 ZZ 360 159,709.93 1 6.500 1,011.31 60 6.250 1,011.31 CLOVIS CA 93611 1 09/26/03 00 0436870364 05 11/01/03 0 45504505 O 10/01/33 0 8820364 W93/G02 F 198,000.00 ZZ 360 197,837.70 2 7.000 1,317.30 90 6.750 1,317.30 STOCKTON CA 95207 1 10/07/03 01 0436859680 05 12/01/03 25 46460884 O 11/01/33 0 8820368 W93/G02 F 300,000.00 ZZ 360 299,735.32 1 6.625 1,920.93 90 6.375 1,920.93 LOS ANGELES CA 90065 1 10/07/03 11 0436859771 05 12/01/03 25 51494530 O 11/01/33 0 8820496 E85/G02 F 603,000.00 ZZ 360 602,467.98 1 6.625 3,861.08 72 6.375 3,861.08 1 TRINIDAD CA 95570 2 10/17/03 00 0436889810 05 12/01/03 0 1007554 O 11/01/33 0 8820616 A46/G02 F 105,291.00 ZZ 360 105,200.34 1 6.750 682.92 90 6.500 682.92 ALBUQUERQUE NM 87121 1 10/13/03 14 0437029689 05 12/01/03 25 0462268 O 11/01/33 0 8821738 144/144 F 278,000.00 ZZ 360 277,742.52 1 6.375 1,734.36 56 6.125 1,734.36 WARWICK NY 10990 5 10/24/03 00 160700732000000 05 12/01/03 0 160700732 O 11/01/33 0 8821774 N47/G02 F 600,000.00 ZZ 360 599,457.59 1 6.500 3,792.41 75 6.250 3,792.41 EL CAJON CA 92019 5 10/22/03 00 0437075609 03 12/01/03 0 30509634 O 11/01/33 0 8821848 N47/G02 F 260,000.00 ZZ 360 259,776.14 4 6.750 1,686.36 80 6.500 1,686.36 BAKERSFIELD CA 93309 1 10/24/03 00 0437003445 05 12/01/03 0 30509790 N 11/01/33 0 8822340 P09/G02 F 166,250.00 ZZ 360 166,110.33 1 6.875 1,092.14 95 6.625 1,092.14 LANHAM MD 20706 5 10/29/03 10 0436866859 05 12/01/03 30 30030368 O 11/01/33 0 1 8822544 K15/G02 F 71,600.00 ZZ 360 71,541.31 1 7.000 476.36 62 6.750 476.36 PENDLETON NY 14094 5 10/27/03 00 0436882575 05 12/01/03 0 023605523706 O 11/01/33 0 8822632 E47/G02 F 243,000.00 ZZ 360 242,774.94 1 6.375 1,516.00 90 6.125 1,516.00 CERES CA 95307 2 10/14/03 11 0436898951 05 12/01/03 25 7359516005 O 11/01/33 0 8822662 313/G02 F 203,600.00 ZZ 360 203,415.93 1 6.500 1,286.90 80 6.250 1,286.90 PHOENIX AZ 85044 1 10/24/03 00 0436877500 05 12/01/03 0 0009907031 O 11/01/33 0 8826692 E22/G02 F 135,000.00 ZZ 360 134,904.71 3 7.750 967.16 90 7.500 967.16 NEW HAVEN CT 06513 1 10/31/03 01 0418894606 05 12/01/03 30 0418894606 N 11/01/33 0 8826772 E22/G02 F 229,500.00 ZZ 360 229,302.41 1 6.750 1,488.53 90 6.500 1,488.53 HAWTHORNE NJ 07506 1 10/31/03 04 0418926697 05 12/01/03 25 0418926697 O 11/01/33 0 8826822 E22/G02 F 180,000.00 ZZ 360 179,833.28 1 1 6.375 1,122.97 80 6.125 1,122.97 SYKESVILLE MD 21784 1 10/31/03 00 0418937868 05 12/01/03 0 0418937868 O 11/01/33 0 8826866 E22/G02 F 45,000.00 TX 360 44,953.13 1 6.750 291.87 75 6.500 291.87 SAN ANTONIO TX 78202 5 10/31/03 00 0418989042 05 12/01/03 0 0418989042 N 11/01/33 0 8826912 E22/G02 F 280,000.00 ZZ 360 279,734.32 1 6.250 1,724.01 80 6.000 1,724.01 SOUTH LAKE TAHO CA 96150 5 10/24/03 00 0418779336 05 12/01/03 0 0418779336 O 11/01/33 0 8826916 E22/G02 F 50,850.00 ZZ 360 50,811.31 1 7.375 351.21 90 7.125 351.21 CHICAGO HEIGHTS IL 60411 1 10/31/03 04 0418780623 05 12/01/03 25 0418780623 N 11/01/33 0 8827002 E22/G02 F 373,350.00 ZZ 360 373,020.60 1 6.625 2,390.60 95 6.375 2,390.60 CORONA CA 92882 1 10/23/03 04 0418805891 05 12/01/03 30 0418805891 O 11/01/33 0 8827204 E22/G02 F 148,000.00 ZZ 360 147,872.57 1 6.750 959.93 80 6.500 959.93 CLIFTON NJ 07011 1 10/31/03 00 0418870812 01 12/01/03 0 1 0418870812 N 11/01/33 0 8827210 E22/G02 F 385,572.00 ZZ 360 385,231.82 1 6.625 2,468.86 80 6.375 2,468.86 SACRAMENTO CA 95834 1 10/27/03 00 0418872636 05 12/01/03 0 0418872636 O 11/01/33 0 8827428 E22/G02 F 388,000.00 ZZ 360 387,631.85 1 6.250 2,388.98 80 6.000 2,388.98 NORTHBROOK IL 60062 1 10/31/03 00 0418474615 08 12/01/03 0 0418474615 O 11/01/33 0 8827490 E22/G02 F 199,500.00 ZZ 360 199,315.22 1 6.375 1,244.62 95 6.125 1,244.62 EVANSTON IL 60202 1 10/31/03 01 0418526059 05 12/01/03 30 0418526059 O 11/01/33 0 8827606 E22/G02 F 70,500.00 ZZ 360 70,439.30 1 6.750 457.26 82 6.500 457.26 KIMBERLING CITY MO 65686 2 10/31/03 01 0418596482 07 12/01/03 12 0418596482 N 11/01/33 0 8827770 E22/G02 F 103,600.00 ZZ 360 103,501.70 1 6.250 637.88 42 6.000 637.88 NORTH PROVIDENC RI 02911 2 10/28/03 00 0418683850 05 12/01/03 0 0418683850 O 11/01/33 0 1 8827814 E22/G02 F 156,000.00 ZZ 360 156,000.00 1 6.000 935.30 77 5.750 935.30 LANHAM MD 20706 5 10/29/03 00 0418720025 09 01/01/04 0 0418720025 O 12/01/33 0 8827834 E22/G02 F 106,000.00 T 360 105,906.48 1 6.625 678.73 80 6.375 678.73 CORNISH ME 04020 1 10/31/03 00 0418624573 05 12/01/03 0 0418624573 O 11/01/33 0 8827904 E22/G02 F 246,000.00 ZZ 360 245,772.16 1 6.375 1,534.72 68 6.125 1,534.72 SANTA FE NM 87507 5 10/27/03 00 0418640082 05 12/01/03 0 0418640082 O 11/01/33 0 8827906 E22/G02 F 240,000.00 ZZ 360 239,783.04 1 6.500 1,516.96 80 6.250 1,516.96 GLENWOOD NJ 07418 5 10/29/03 00 0418750550 05 12/01/03 0 0418750550 O 11/01/33 0 8827930 E22/G02 F 129,500.00 ZZ 360 129,500.00 1 5.875 766.04 80 5.625 766.04 LANCASTER TX 75134 2 10/28/03 00 0418761136 05 01/01/04 0 0418761136 O 12/01/33 0 8828022 E22/G02 F 79,500.00 ZZ 360 79,424.56 1 6.250 489.50 92 6.000 489.50 1 EL PASO TX 79936 2 10/28/03 01 0418786745 05 12/01/03 30 0418786745 O 11/01/33 0 8828046 E22/G02 F 180,000.00 ZZ 360 180,000.00 1 6.375 1,122.97 56 6.125 1,122.97 CUDJOE KEY FL 33042 5 10/29/03 00 0418790820 05 01/01/04 0 0418790820 O 12/01/33 0 8828218 E22/G02 F 129,150.00 ZZ 360 129,041.50 1 6.875 848.42 79 6.625 848.42 AUSTIN TX 78749 2 10/30/03 00 0418835187 05 12/01/03 0 0418835187 N 11/01/33 0 8828280 E22/G02 F 106,000.00 ZZ 240 105,796.51 1 7.000 821.82 95 6.750 821.82 JACKSONVILLE AL 36265 5 10/28/03 10 0418844304 05 12/01/03 30 0418844304 O 11/01/23 0 8828302 E22/G02 F 141,325.00 ZZ 360 141,094.11 1 6.375 881.68 68 6.125 881.68 MC KINNEY TX 75070 2 10/27/03 00 0418722567 05 12/01/03 0 0418722567 O 11/01/33 0 8828414 E22/G02 F 255,850.00 ZZ 360 255,624.27 1 6.625 1,638.24 85 6.375 1,638.24 CITRUS HEIGHTS CA 95610 5 10/23/03 01 0418746418 05 12/01/03 12 0418746418 O 11/01/33 0 1 8828464 E22/G02 F 176,800.00 ZZ 360 176,636.25 1 6.375 1,103.00 85 6.125 1,103.00 TWAIN HARTE CA 95383 5 10/27/03 04 0418904355 05 12/01/03 12 0418904355 O 11/01/33 0 8828470 E22/G02 F 116,000.00 ZZ 360 115,881.74 1 5.875 686.18 80 5.625 686.18 HOLLISTER MO 65672 5 10/29/03 00 0418904835 05 12/01/03 0 0418904835 O 11/01/33 0 8828484 E22/G02 F 88,000.00 ZZ 360 87,920.45 1 6.500 556.22 80 6.250 556.22 DETROIT MI 48204 1 10/31/03 00 0418765350 05 12/01/03 0 0418765350 O 11/01/33 0 8828486 E22/G02 F 62,225.00 ZZ 360 62,172.73 1 6.875 408.77 95 6.625 408.77 MIDWEST CITY OK 73110 5 10/28/03 01 0418911012 05 12/01/03 30 0418911012 O 11/01/33 0 8828526 E22/G02 F 208,000.00 TX 360 207,707.35 1 6.375 1,297.65 80 6.125 1,297.65 CEDAR HILL TX 75104 5 10/29/03 00 0418945051 05 12/01/03 0 0418945051 O 11/01/33 0 8828598 E22/G02 F 95,000.00 ZZ 360 94,909.86 1 1 6.250 584.93 71 6.000 584.93 BELLE CHASSE LA 70037 1 11/03/03 00 0418424966 05 12/01/03 0 0418424966 O 11/01/33 0 8828620 E22/G02 F 266,000.00 ZZ 360 265,765.31 4 6.625 1,703.23 95 6.375 1,703.23 RALEIGH NC 27613 1 11/03/03 04 0418525382 05 12/01/03 30 0418525382 O 11/01/33 0 8828710 E22/G02 F 193,800.00 ZZ 360 193,800.00 1 7.500 1,355.08 95 7.250 1,355.08 TUSTIN MI 49688 5 10/29/03 04 0418656146 05 01/01/04 30 0418656146 O 12/01/33 0 8828714 E22/G02 F 86,400.00 ZZ 360 86,323.77 1 6.625 553.23 94 6.375 553.23 TUSCALOOSA AL 35401 5 10/29/03 11 0418663043 05 12/01/03 30 0418663043 O 11/01/33 0 8829448 967/G02 F 112,000.00 ZZ 360 111,912.63 1 7.250 764.04 80 7.000 764.04 PORTLAND OR 97266 2 10/27/03 00 0436962823 07 12/01/03 0 10088128 N 11/01/33 0 8829486 Q87/G02 F 183,200.00 ZZ 360 183,046.09 1 6.875 1,203.49 80 6.625 1,203.49 DAPHNE AL 36526 2 10/21/03 00 0436861710 05 12/01/03 0 1 BRHA01 O 11/01/33 0 8829488 E85/G02 F 639,500.00 ZZ 360 638,848.01 1 5.875 3,782.88 60 5.625 3,782.88 MILL VALLEY CA 94941 5 10/21/03 00 0436908362 05 12/01/03 0 1007442 O 11/01/33 0 8829772 N47/G02 F 312,000.00 ZZ 360 311,717.95 2 6.500 1,972.05 80 6.250 1,972.05 ALAMEDA CA 94501 5 10/23/03 00 0436965156 05 12/01/03 0 60500681 O 11/01/33 0 8831182 E22/G02 F 144,500.00 ZZ 360 144,500.00 1 5.875 854.77 85 5.625 854.77 BUCKLAND MA 01370 1 11/04/03 04 0418393898 05 01/01/04 12 0418393898 O 12/01/33 0 8831188 E22/G02 F 103,000.00 ZZ 360 102,906.89 1 6.500 651.03 89 6.250 651.03 APPLE VALLEY CA 92308 5 10/20/03 04 0418454682 05 12/01/03 25 0418454682 O 11/01/33 0 8831216 E22/G02 F 120,000.00 ZZ 360 119,901.64 1 7.000 798.36 80 6.750 798.36 GIBRALTER MI 48173 1 11/04/03 00 0418646188 05 12/01/03 0 0418646188 O 11/01/33 0 1 8831240 E22/G02 F 183,100.00 ZZ 360 182,942.36 1 6.750 1,187.58 88 6.500 1,187.58 NORTHGLENN CO 80233 2 10/30/03 01 0418719167 05 12/01/03 30 0418719167 O 11/01/33 0 8831280 E22/G02 F 126,000.00 ZZ 360 125,888.84 1 6.625 806.79 72 6.375 806.79 GATLINBURG TN 37738 2 11/04/03 00 0418991949 05 12/01/03 0 0418991949 N 11/01/33 0 8831354 E22/G02 F 369,800.00 TX 360 369,800.00 1 6.625 2,367.87 74 6.375 2,367.87 SAN ANTONIO TX 78209 5 10/30/03 00 0418807327 05 01/01/04 0 0418807327 O 12/01/33 0 8831406 E22/G02 F 200,250.00 ZZ 360 200,250.00 4 7.250 1,366.06 90 7.000 1,366.06 KENNER LA 70065 1 11/04/03 01 0418852604 05 01/01/04 25 0418852604 N 12/01/33 0 8831582 E22/G02 F 373,500.00 ZZ 360 373,500.00 1 6.375 2,330.15 90 6.125 2,330.15 CAMARILLO CA 93010 5 10/27/03 04 0418918611 05 01/01/04 25 0418918611 O 12/01/33 0 8831602 E22/G02 F 336,000.00 ZZ 360 336,000.00 1 6.000 2,014.49 80 5.750 2,014.49 1 SANTA ANA CA 92705 1 10/23/03 00 0418937280 05 01/01/04 0 0418937280 O 12/01/33 0 8831866 W53/G02 F 154,250.00 ZZ 360 154,081.16 1 5.500 875.82 74 5.250 875.82 PALMETTO GA 30268 5 10/24/03 00 0436886345 05 12/01/03 0 1308001471 O 11/01/33 0 8831868 R84/G02 F 171,000.00 ZZ 360 170,510.70 2 6.250 1,052.88 90 6.000 1,052.88 GIG HARBOR WA 98329 1 08/11/03 11 0437070279 05 10/01/03 25 WA305700 N 09/01/33 0 8831894 M12/G02 F 126,200.00 ZZ 360 126,085.91 1 6.500 797.67 80 6.250 797.67 TUCSON AZ 85747 1 10/29/03 00 0436877377 03 12/01/03 0 01000500021 O 11/01/33 0 8833530 286/286 F 194,310.00 ZZ 360 193,990.52 1 7.000 1,292.75 90 6.750 1,292.75 WILMINGTON DE 19803 1 09/23/03 11 2809939 05 11/01/03 25 2809939 N 10/01/33 0 8833542 286/286 F 47,700.00 ZZ 360 47,661.85 1 7.125 321.37 90 6.875 321.37 HERMITAGE TN 37076 1 10/01/03 10 2829127 01 12/01/03 25 2829127 N 11/01/33 0 1 8833546 286/286 F 131,400.00 ZZ 360 131,284.07 1 6.625 841.37 90 6.375 841.37 MIAMI FL 33189 1 10/01/03 11 2808294 05 12/01/03 25 2808294 N 11/01/33 0 8833552 286/286 F 182,000.00 ZZ 360 181,653.72 2 6.250 1,120.61 70 6.000 1,120.61 OREGON CITY OR 97045 2 09/29/03 00 2809289 05 11/01/03 0 2809289 N 10/01/33 0 8833554 286/286 F 72,900.00 ZZ 360 72,785.91 1 7.250 497.31 90 7.000 497.31 PAYETTE ID 83661 1 09/17/03 12 2719139 05 11/01/03 25 2719139 N 10/01/33 0 8833558 286/286 F 42,500.00 ZZ 360 42,419.13 1 6.250 261.68 76 6.000 261.68 SPRINGFIELD OH 45503 2 09/09/03 00 2637379 05 11/01/03 0 2637379 N 10/01/33 0 8833560 286/286 F 127,000.00 ZZ 360 126,609.63 1 5.875 751.26 44 5.625 751.26 RICHMOND CA 94805 5 08/22/03 00 2708121 05 10/01/03 0 2708121 N 09/01/33 0 8833564 286/286 F 53,600.00 ZZ 360 53,498.01 1 1 6.250 330.03 80 6.000 330.03 SPRINGFIELD OH 45505 5 09/09/03 00 2637378 05 11/01/03 0 2637378 N 10/01/33 0 8833566 286/286 F 60,000.00 ZZ 360 59,906.10 1 7.250 409.31 86 7.000 409.31 INIDANAPOLIS IN 46218 2 09/09/03 19 2768628 05 11/01/03 25 2768628 N 10/01/33 0 8833572 286/286 F 125,100.00 ZZ 360 124,889.20 2 6.875 821.82 90 6.625 821.82 TRENTON NJ 08650 1 09/19/03 12 2631244 05 11/01/03 25 2631244 N 10/01/33 0 8833574 286/286 F 56,000.00 ZZ 360 55,905.61 1 6.875 367.89 80 6.625 367.89 INDIANAPOLIS IN 46201 2 09/15/03 00 2799805 05 11/01/03 0 2799805 N 10/01/33 0 8833580 286/286 F 56,000.00 ZZ 360 55,905.61 1 6.875 367.89 80 6.625 367.89 INDIANAPOLIS IN 46203 2 09/15/03 00 2799804 05 11/01/03 0 2799804 N 10/01/33 0 8833586 286/286 F 160,000.00 ZZ 360 159,709.93 1 6.500 1,011.31 43 6.250 1,011.31 SAN DIEGO CA 92117 5 09/17/03 00 2797278 05 11/01/03 0 1 2797278 N 10/01/33 0 8833592 286/286 F 193,400.00 ZZ 360 192,909.73 2 6.875 1,270.51 90 6.625 1,270.51 W WARWICK RI 02893 1 08/19/03 14 2704861 05 10/01/03 25 2704861 N 09/01/33 0 8833596 286/286 F 175,000.00 ZZ 360 174,674.96 1 6.375 1,091.78 64 6.125 1,091.78 SHARPSBURG GA 30277 2 09/26/03 00 2781838 05 11/01/03 0 2781838 N 10/01/33 0 8833602 286/286 F 119,000.00 ZZ 360 118,878.67 2 5.875 703.93 70 5.625 703.93 SE WASHINGTON DC 20020 5 10/01/03 00 2614879 05 12/01/03 0 2614879 N 11/01/33 0 8833608 286/286 F 157,050.00 ZZ 360 156,765.29 2 6.500 992.66 90 6.250 992.66 CHARLOTTESVILLE VA 22902 1 09/24/03 12 2802352 05 11/01/03 25 2802352 N 10/01/33 0 8833610 286/286 F 150,000.00 ZZ 360 149,700.59 2 6.000 899.33 44 5.750 899.33 VALLEJO CA 94590 5 09/03/03 00 2726777 05 11/01/03 0 2726777 N 10/01/33 0 1 8833626 286/286 F 61,500.00 ZZ 360 61,382.98 2 6.250 378.67 16 6.000 378.67 NORWOOD MA 02062 5 09/22/03 00 2638285 05 11/01/03 0 2638285 N 10/01/33 0 8833628 286/286 F 54,000.00 ZZ 360 53,911.20 1 7.000 359.27 90 6.750 359.27 PHILADELPHIA PA 19119 1 09/18/03 10 2725092 05 11/01/03 25 2725092 N 10/01/33 0 8833632 286/286 F 49,500.00 ZZ 360 49,420.58 1 7.125 333.50 90 6.875 333.50 NORFOLK VA 23504 1 09/30/03 11 2678353 05 11/01/03 25 2678353 N 10/01/33 0 8833640 286/286 F 128,000.00 ZZ 360 127,804.60 1 7.375 884.07 80 7.125 884.07 MORENO VALLEY CA 92557 1 09/17/03 00 2763634 05 11/01/03 0 2763634 N 10/01/33 0 8833644 286/286 F 166,500.00 ZZ 360 166,219.43 1 6.875 1,093.79 90 6.625 1,093.79 ATLANTA GA 30308 1 09/18/03 10 2774998 01 11/01/03 25 2774998 N 10/01/33 0 8833646 286/286 F 146,000.00 ZZ 360 145,735.31 1 6.500 922.82 36 6.250 922.82 1 IMPERIAL BEACH CA 91932 5 09/10/03 00 2739555 05 11/01/03 0 2739555 N 10/01/33 0 8833650 286/286 F 60,500.00 ZZ 360 60,350.36 1 7.000 402.51 75 6.750 402.51 TEMPE AZ 85283 1 08/26/03 00 2749473 01 10/01/03 0 2749473 N 09/01/33 0 8833652 286/286 F 160,000.00 ZZ 360 159,723.71 2 6.750 1,037.76 80 6.500 1,037.76 POMONA CA 91767 1 09/08/03 00 2757459 05 11/01/03 0 2757459 N 10/01/33 0 8833662 286/286 F 41,400.00 ZZ 360 41,333.59 1 7.125 278.92 90 6.875 278.92 INDIANAPOLIS IN 46224 1 10/03/03 12 2800635 05 11/01/03 25 2800635 N 10/01/33 0 8833664 286/286 F 130,480.00 ZZ 360 130,249.12 1 6.625 835.48 90 6.375 835.48 WEST JORDAN UT 84088 1 09/12/03 12 2660275 03 11/01/03 25 2660275 N 10/01/33 0 8833668 286/286 F 230,000.00 ZZ 360 229,801.97 4 6.750 1,491.78 49 6.500 1,491.78 SPRING VALLEY NY 10977 5 10/09/03 00 2837551 05 12/01/03 0 2837551 N 11/01/33 0 1 8833674 286/286 F 206,000.00 ZZ 360 205,652.87 4 6.875 1,353.28 42 6.625 1,353.28 MARTINEZ CA 94553 5 08/29/03 00 2749022 05 11/01/03 0 2749022 N 10/01/33 0 8833676 286/286 F 189,000.00 ZZ 360 188,681.51 1 6.875 1,241.60 90 6.625 1,241.60 SACRAMENTO CA 95828 1 09/04/03 10 2587290 05 11/01/03 25 2587290 N 10/01/33 0 8833682 286/286 F 129,600.00 ZZ 360 129,376.19 1 6.750 840.59 61 6.500 840.59 HUDSON OH 44236 1 09/16/03 00 2622618 05 11/01/03 0 2622618 N 10/01/33 0 8833684 286/286 F 82,400.00 ZZ 360 82,250.60 1 6.500 520.83 80 6.250 520.83 VIRGINA BEACH VA 23462 1 10/03/03 00 2761404 05 11/01/03 0 2761404 N 10/01/33 0 8833690 286/286 F 290,250.00 ZZ 360 289,760.90 1 6.875 1,906.74 90 6.625 1,906.74 MILLSTONE TWP NJ 07728 1 09/05/03 11 2475557 05 11/01/03 25 2475557 N 10/01/33 0 8833694 286/286 F 37,500.00 ZZ 360 37,404.93 1 1 6.875 246.35 75 6.625 246.35 SWAYZEE IN 46986 5 08/29/03 00 2768838 05 10/01/03 0 2768838 N 09/01/33 0 8833726 286/286 F 82,000.00 ZZ 360 81,868.30 1 7.125 552.45 49 6.875 552.45 VALLEJO CA 94590 5 09/16/03 00 2733599 01 11/01/03 0 2733599 N 10/01/33 0 8833732 286/286 F 146,800.00 ZZ 360 146,527.33 1 6.375 915.85 80 6.125 915.85 RENO NV 89503 1 09/09/03 00 2754165 05 11/01/03 0 2754165 N 10/01/33 0 8833736 286/286 F 165,650.00 ZZ 360 165,363.94 2 6.750 1,074.41 79 6.500 1,074.41 PORT ORCHARD WA 98367 2 09/08/03 00 2491046 05 11/01/03 0 2491046 N 10/01/33 0 8833738 286/286 F 55,000.00 ZZ 360 54,907.30 1 6.875 361.32 62 6.625 361.32 BLOOMINGTON IN 47404 5 09/24/03 00 2803156 05 11/01/03 0 2803156 N 10/01/33 0 8833750 286/286 F 78,700.00 ZZ 360 78,480.15 1 6.375 490.99 66 6.125 490.99 FREDERICK MD 21702 2 08/19/03 00 2661560 01 10/01/03 0 1 2661560 N 09/01/33 0 8833754 286/286 F 161,000.00 ZZ 360 160,693.67 1 6.250 991.31 51 6.000 991.31 LONG BEACH CA 90808 2 08/29/03 00 2312066 05 11/01/03 0 2312066 N 10/01/33 0 8833756 286/286 F 194,000.00 ZZ 360 193,470.98 1 6.500 1,226.22 66 6.250 1,226.22 SANTA MARIA CA 93454 5 08/28/03 00 2756538 05 10/01/03 0 2756538 N 09/01/33 0 8833762 286/286 F 72,000.00 ZZ 360 71,856.28 1 6.000 431.68 90 5.750 431.68 INDIANAPOLIS IN 46224 1 09/26/03 12 2798148 05 11/01/03 25 2798148 N 10/01/33 0 8833766 286/286 F 81,500.00 ZZ 360 81,355.78 1 6.625 521.86 34 6.375 521.86 ANTELOPE CA 95843 1 09/17/03 00 2798471 05 11/01/03 0 2798471 N 10/01/33 0 8833768 286/286 F 225,000.00 ZZ 360 224,592.08 2 6.500 1,422.16 73 6.250 1,422.16 CORAL GABLES FL 33134 5 09/12/03 00 2757512 05 11/01/03 0 2757512 N 10/01/33 0 1 8833772 286/286 F 71,100.00 ZZ 360 70,988.73 1 7.250 485.03 90 7.000 485.03 LOVES PARK IL 61111 1 09/22/03 12 2809254 05 11/01/03 25 2809254 N 10/01/33 0 8833776 286/286 F 252,000.00 ZZ 360 251,564.84 2 6.750 1,634.47 80 6.500 1,634.47 MILWAUKEE WI 53211 1 09/30/03 00 2756644 05 11/01/03 0 2756644 N 10/01/33 0 8833778 286/286 F 280,000.00 ZZ 360 279,217.84 1 6.375 1,746.84 80 6.125 1,746.84 CHULA VISTA CA 91915 5 08/25/03 00 2390980 01 10/01/03 0 2390980 N 09/01/33 0 8833788 286/286 F 82,400.00 ZZ 360 82,261.15 1 6.875 541.31 80 6.625 541.31 TEMPLE TX 76504 2 09/16/03 00 2765380 05 11/01/03 0 2765380 N 10/01/33 0 8833790 286/286 F 214,700.00 ZZ 360 214,142.29 1 6.750 1,392.55 80 6.500 1,392.55 WALDORF MD 20601 1 08/29/03 00 2700326 05 10/01/03 0 2700326 N 09/01/33 0 8833794 286/286 F 322,000.00 ZZ 360 321,443.96 1 6.750 2,088.49 75 6.500 2,088.49 1 GARDEN GROVE CA 92841 1 09/22/03 00 2806575 05 11/01/03 0 2806575 N 10/01/33 0 8833798 286/286 F 81,900.00 ZZ 360 81,687.24 1 6.750 531.20 90 6.500 531.20 HAMILTON OH 45013 1 08/20/03 04 2749634 05 10/01/03 25 2749634 N 09/01/33 0 8833802 286/286 F 56,150.00 ZZ 360 56,059.91 1 7.125 378.30 75 6.875 378.30 TALLAHASSEE FL 32303 1 09/26/03 00 2777798 05 11/01/03 0 2777798 N 10/01/33 0 8833804 286/286 F 115,200.00 ZZ 360 114,996.16 1 6.625 737.64 80 6.375 737.64 MONROE MI 48161 1 09/26/03 00 2790927 05 11/01/03 0 2790927 N 10/01/33 0 8833814 286/286 F 125,100.00 ZZ 360 124,889.20 1 6.875 821.82 90 6.625 821.82 MORENO VALLEY CA 92551 1 09/02/03 14 2759050 05 11/01/03 25 2759050 N 10/01/33 0 8833816 286/286 F 66,500.00 ZZ 360 66,385.16 2 6.750 431.32 70 6.500 431.32 TOLEDO OH 43610 5 09/25/03 00 2714255 05 11/01/03 0 2714255 N 10/01/33 0 1 8833820 286/286 F 351,200.00 ZZ 360 350,578.57 2 6.625 2,248.78 80 6.375 2,248.78 SACRAMENTO CA 95818 1 09/03/03 00 2755047 05 11/01/03 0 2755047 N 10/01/33 0 8833826 286/286 F 210,000.00 ZZ 360 209,600.44 1 6.250 1,293.01 60 6.000 1,293.01 FAIRFIELD CA 94533 5 09/09/03 00 2606911 05 11/01/03 0 2606911 N 10/01/33 0 8833828 286/286 F 199,200.00 ZZ 360 198,864.32 1 6.875 1,308.61 80 6.625 1,308.61 WASHINGTON DC 20009 1 09/12/03 00 2755524 01 11/01/03 0 2755524 N 10/01/33 0 8833834 286/286 F 60,750.00 ZZ 360 60,645.08 1 6.750 394.03 90 6.500 394.03 CHARLOTTE NC 28215 1 09/29/03 10 2802606 05 11/01/03 25 2802606 N 10/01/33 0 8833844 286/286 F 178,500.00 ZZ 360 178,069.21 4 7.125 1,202.59 70 6.875 1,202.59 RENO NV 89502 5 08/26/03 00 2761408 05 10/01/03 0 2761408 N 09/01/33 0 8833854 286/286 F 45,000.00 ZZ 360 44,929.58 1 1 7.250 306.98 90 7.000 306.98 ORANGE TX 77632 1 09/18/03 19 2813568 05 11/01/03 25 2813568 N 10/01/33 0 8833858 286/286 F 225,000.00 ZZ 360 224,550.90 3 6.000 1,348.99 57 5.750 1,348.99 SAN DIEGO CA 92105 5 09/08/03 00 2749130 05 11/01/03 0 2749130 N 10/01/33 0 8833864 286/286 F 69,300.00 ZZ 360 69,161.68 1 6.000 415.49 70 5.750 415.49 TALLAHASSEE FL 32317 1 09/26/03 00 2828108 05 11/01/03 0 2828108 N 10/01/33 0 8833868 286/286 F 82,600.00 ZZ 360 82,363.63 1 6.250 508.59 70 6.000 508.59 TALLAHASSEE FL 32309 1 08/12/03 00 2739347 05 10/01/03 0 2739347 N 09/01/33 0 8833876 286/286 F 70,000.00 ZZ 360 69,941.18 1 6.875 459.86 76 6.625 459.86 PHOENIX AZ 85042 1 10/02/03 00 2809438 03 12/01/03 0 2809438 N 11/01/33 0 8833886 286/286 F 51,300.00 ZZ 360 51,215.63 2 7.000 341.31 90 6.750 341.31 CLEVELAND OH 44109 1 09/19/03 21 2773624 05 11/01/03 25 1 2773624 N 10/01/33 0 8833888 286/286 F 122,200.00 ZZ 360 121,858.65 1 6.375 762.37 70 6.125 762.37 IDYLLWILD CA 92549 5 08/29/03 00 2733322 05 10/01/03 0 2733322 N 09/01/33 0 8833894 286/286 F 73,000.00 ZZ 360 72,873.94 1 6.750 473.48 73 6.500 473.48 LEWISVILLE TX 75057 2 09/19/03 00 2779605 05 11/01/03 0 2779605 N 10/01/33 0 8833898 286/286 F 190,000.00 ZZ 360 189,687.59 2 7.000 1,264.08 56 6.750 1,264.08 OAKLAND CA 94612 5 09/23/03 00 2707502 05 11/01/03 0 2707502 N 10/01/33 0 8833900 286/286 F 55,000.00 ZZ 360 54,952.65 1 6.750 356.73 17 6.500 356.73 PORTLAND ME 04101 1 10/06/03 00 2788175 05 12/01/03 0 2788175 N 11/01/33 0 8833918 286/286 F 55,000.00 ZZ 360 54,902.05 1 6.750 356.73 58 6.500 356.73 TUCSON AZ 85711 5 09/15/03 00 2778820 05 11/01/03 0 2778820 N 10/01/33 0 1 8833920 286/286 F 199,800.00 ZZ 360 199,487.33 1 7.250 1,362.99 90 7.000 1,362.99 STOCKTON CA 95209 1 09/25/03 14 2767942 05 11/01/03 30 2767942 N 10/01/33 0 8833926 286/286 F 42,300.00 ZZ 360 42,235.42 1 7.375 292.16 90 7.125 292.16 NEW ALBANY IN 47150 1 09/12/03 10 2732671 05 11/01/03 25 2732671 N 10/01/33 0 8833930 286/286 F 149,400.00 ZZ 360 149,122.50 1 6.375 932.07 61 6.125 932.07 MERCED CA 95348 1 09/11/03 00 2754673 05 11/01/03 0 2754673 N 10/01/33 0 8833934 286/286 F 220,000.00 ZZ 360 219,591.38 1 6.375 1,372.52 79 6.125 1,372.52 SAN DIEGO CA 92114 5 09/02/03 00 2701607 05 11/01/03 0 2701607 N 10/01/33 0 8833936 286/286 F 65,000.00 ZZ 360 64,893.13 1 7.000 432.45 90 6.750 432.45 HAYES VA 23072 1 09/26/03 11 2798417 05 11/01/03 25 2798417 N 10/01/33 0 8833942 286/286 F 250,000.00 ZZ 360 249,557.64 1 6.625 1,600.78 69 6.375 1,600.78 1 GAITHERSBURG MD 20878 1 09/30/03 00 2719973 01 11/01/03 0 2719973 N 10/01/33 0 8833950 286/286 F 231,272.00 ZZ 360 230,821.27 1 6.125 1,405.24 80 5.875 1,405.24 BORDENTOWN NJ 08505 1 09/30/03 00 2823814 05 11/01/03 0 2823814 N 10/01/33 0 8833962 286/286 F 135,000.00 ZZ 360 134,749.25 1 6.375 842.23 70 6.125 842.23 MANTECA CA 95337 5 09/08/03 00 2768987 05 11/01/03 0 2768987 N 10/01/33 0 8833964 286/286 F 69,300.00 ZZ 360 69,188.83 1 7.125 466.89 90 6.875 466.89 GOOSE CREEK SC 29445 1 09/22/03 12 2780479 05 11/01/03 25 2780479 N 10/01/33 0 8833972 286/286 F 65,500.00 ZZ 360 65,333.97 1 6.875 430.29 80 6.625 430.29 ENGLEWOOD OH 45322 1 08/29/03 00 2717777 01 10/01/03 0 2717777 N 09/01/33 0 8833974 286/286 F 131,200.00 ZZ 360 130,973.42 1 6.750 850.97 80 6.500 850.97 CHANDLER AZ 85248 1 09/17/03 00 2782590 05 11/01/03 0 2782590 N 10/01/33 0 1 8833976 286/286 F 40,000.00 ZZ 360 39,937.39 1 7.250 272.88 73 7.000 272.88 KANSAS CITY MO 64123 5 09/11/03 00 2757651 05 11/01/03 0 2757651 N 10/01/33 0 8833984 286/286 F 63,000.00 ZZ 360 62,874.25 1 6.000 377.72 55 5.750 377.72 BELCAMP MD 21017 2 09/05/03 00 2532137 05 11/01/03 0 2532137 N 10/01/33 0 8833990 286/286 F 255,000.00 ZZ 360 254,559.66 2 6.750 1,653.93 69 6.500 1,653.93 LOS ANGELES CA 90065 5 09/04/03 00 2752545 05 11/01/03 0 2752545 N 10/01/33 0 8833994 286/286 F 178,000.00 ZZ 360 177,669.40 1 6.375 1,110.49 43 6.125 1,110.49 SAN DIEGO CA 92126 5 09/15/03 00 2635224 05 11/01/03 0 2635224 N 10/01/33 0 8833998 286/286 F 56,000.00 ZZ 360 55,858.01 1 6.875 367.89 80 6.625 367.89 BYESVILLE OH 43723 1 08/29/03 00 2703522 05 10/01/03 0 2703522 N 09/01/33 0 8834004 286/286 F 128,000.00 ZZ 360 127,773.51 1 1 6.625 819.60 30 6.375 819.60 SAN JOSE CA 95132 2 08/29/03 00 2670751 05 11/01/03 0 2670751 N 10/01/33 0 8834006 286/286 F 132,000.00 ZZ 360 131,777.56 1 6.875 867.15 80 6.625 867.15 RIVERTON NJ 08077 1 09/26/03 00 2798334 05 11/01/03 0 2798334 N 10/01/33 0 8834008 286/286 F 146,250.00 ZZ 360 145,800.47 1 5.875 865.13 65 5.625 865.13 STERLING VA 20164 5 08/07/03 00 2585787 03 10/01/03 0 2585787 N 09/01/33 0 8834010 286/286 F 66,500.00 ZZ 360 66,387.94 2 6.875 436.86 56 6.625 436.86 GROVE CITY OH 43123 5 09/19/03 00 2730197 05 11/01/03 0 2730197 N 10/01/33 0 8834012 286/286 F 55,000.00 ZZ 360 54,853.60 1 6.625 352.18 48 6.375 352.18 FERNLEY NV 89408 5 08/22/03 00 2462953 05 10/01/03 0 2462953 N 09/01/33 0 8834016 286/286 F 79,900.00 ZZ 360 79,774.96 1 7.250 545.06 85 7.000 545.06 MACON GA 31220 5 09/25/03 10 2778981 05 11/01/03 25 1 2778981 N 10/01/33 0 8834020 286/286 F 142,500.00 ZZ 360 142,208.62 1 5.875 842.95 59 5.625 842.95 GRASS VALLEY CA 95949 5 09/17/03 00 2679070 05 11/01/03 0 2679070 N 10/01/33 0 8834022 286/286 F 60,300.00 ZZ 360 60,200.85 1 7.000 401.18 90 6.750 401.18 LOUISVILLE KY 40208 1 09/19/03 12 2803309 05 11/01/03 25 2803309 N 10/01/33 0 8834024 286/286 F 200,700.00 ZZ 360 200,336.13 1 6.500 1,268.57 90 6.250 1,268.57 REDDING CA 96002 1 09/24/03 12 2703931 05 11/01/03 25 2703931 N 10/01/33 0 8834028 286/286 F 146,925.00 ZZ 360 146,514.56 1 6.375 916.63 75 6.125 916.63 ATLANTA GA 30314 1 08/29/03 00 2721813 05 10/01/03 0 2721813 N 09/01/33 0 8834030 286/286 F 39,750.00 ZZ 360 39,684.63 1 7.000 264.46 75 6.750 264.46 REEDSBURG WI 53959 1 09/29/03 00 2817093 05 11/01/03 0 2817093 N 10/01/33 0 1 8834032 286/286 F 185,000.00 ZZ 360 184,630.74 2 6.000 1,109.17 69 5.750 1,109.17 COMMERCE CA 90040 5 09/25/03 00 2408936 05 11/01/03 0 2408936 N 10/01/33 0 8834034 286/286 F 146,925.00 ZZ 360 146,514.56 1 6.375 916.63 75 6.125 916.63 ATLANTA GA 30314 1 08/29/03 00 2721725 05 10/01/03 0 2721725 N 09/01/33 0 8834036 286/286 F 36,000.00 ZZ 360 35,939.33 1 6.875 236.50 67 6.625 236.50 WICHITA KS 67217 2 09/25/03 00 2808233 05 11/01/03 0 2808233 N 10/01/33 0 8834044 286/286 F 53,600.00 ZZ 360 53,460.77 1 6.750 347.65 80 6.500 347.65 ROANOKE VA 24012 1 08/20/03 00 2722371 05 10/01/03 0 2722371 N 09/01/33 0 8834046 286/286 F 56,000.00 ZZ 360 55,905.61 1 6.875 367.89 80 6.625 367.89 INDIANAPOLIS IN 46241 2 09/15/03 00 2799806 05 11/01/03 0 2799806 N 10/01/33 0 8834050 286/286 F 81,000.00 ZZ 360 80,872.41 1 7.250 552.57 90 7.000 552.57 1 NOBLESVILLE IN 46060 1 09/22/03 10 2720971 05 11/01/03 25 2720971 N 10/01/33 0 8834096 286/286 F 60,000.00 ZZ 360 59,906.10 1 7.250 409.31 80 7.000 409.31 KANSAS CITY KS 66102 5 09/08/03 00 2759891 05 11/01/03 0 2759891 N 10/01/33 0 8834098 286/286 F 129,250.00 ZZ 360 128,862.06 2 6.000 774.92 72 5.750 774.92 SPOKANE WA 99208 2 09/02/03 00 2662459 05 10/01/03 0 2662459 N 09/01/33 0 8834100 286/286 F 81,000.00 ZZ 360 80,849.54 1 6.375 505.34 75 6.125 505.34 DALLAS TX 75204 1 10/03/03 00 2819411 01 11/01/03 0 2819411 N 10/01/33 0 8834102 286/286 F 267,750.00 ZZ 360 266,927.01 1 5.875 1,583.85 74 5.625 1,583.85 BALTIMORE MD 21230 2 08/21/03 00 2641768 05 10/01/03 0 2641768 N 09/01/33 0 8834116 286/286 F 75,550.00 ZZ 360 75,399.18 1 6.000 452.97 61 5.750 452.97 DECATUR GA 30032 2 09/10/03 00 2627509 05 11/01/03 0 2627509 N 10/01/33 0 1 8834118 286/286 F 322,000.00 ZZ 360 321,416.24 1 6.500 2,035.26 58 6.250 2,035.26 SAN DIEGO CA 92126 1 09/09/03 00 2698385 05 11/01/03 0 2698385 N 10/01/33 0 8834122 286/286 F 191,200.00 ZZ 360 190,861.67 1 6.625 1,224.28 80 6.375 1,224.28 TEMECULA CA 92591 1 08/29/03 00 2759411 05 11/01/03 0 2759411 N 10/01/33 0 8834124 286/286 F 75,000.00 ZZ 360 74,870.49 1 6.750 486.45 66 6.500 486.45 ESSEX JUNCTION VT 05452 5 09/22/03 00 2726973 05 11/01/03 0 2726973 N 10/01/33 0 8834126 286/286 F 129,000.00 ZZ 360 128,754.55 3 6.250 794.28 67 6.000 794.28 SHASTA LAKE CA 96019 2 09/04/03 00 2602501 05 11/01/03 0 2602501 N 10/01/33 0 8834128 286/286 F 70,500.00 ZZ 360 70,288.38 1 6.000 422.69 60 5.750 422.69 FAIRFAX VA 22031 1 08/22/03 00 2667283 01 10/01/03 0 2667283 N 09/01/33 0 8834132 286/286 F 59,400.00 ZZ 360 59,253.08 1 1 7.000 395.19 90 6.750 395.19 EL PASO TX 79925 1 08/15/03 10 2739080 05 10/01/03 30 2739080 N 09/01/33 0 8834136 286/286 F 255,000.00 ZZ 360 254,570.31 1 6.875 1,675.17 75 6.625 1,675.17 ANTIOCH CA 94531 1 09/15/03 00 2792442 05 11/01/03 0 2792442 N 10/01/33 0 8834138 286/286 F 228,000.00 ZZ 360 227,615.80 1 6.875 1,497.80 80 6.625 1,497.80 VIRGINIA BEACH VA 23451 1 09/24/03 00 2776678 05 11/01/03 0 2776678 N 10/01/33 0 8834142 286/286 F 82,400.00 ZZ 360 82,205.66 2 7.250 562.12 80 7.000 562.12 AKRON OH 44303 1 08/28/03 00 2731604 05 10/01/03 0 2731604 N 09/01/33 0 8834144 286/286 F 192,500.00 ZZ 360 192,115.76 3 6.000 1,154.14 70 5.750 1,154.14 NEW ORLEANS LA 70130 5 09/22/03 00 2615181 05 11/01/03 0 2615181 N 10/01/33 0 8834146 286/286 F 225,000.00 ZZ 360 224,571.89 4 6.250 1,385.37 75 6.000 1,385.37 SAN BERNARDINO CA 92404 1 09/17/03 00 2806527 05 11/01/03 0 1 2806527 N 10/01/33 0 8834148 286/286 F 196,050.00 ZZ 360 195,676.97 1 6.250 1,207.12 57 6.000 1,207.12 SAN JOSE CA 95122 2 09/17/03 00 2714717 05 11/01/03 0 2714717 N 10/01/33 0 8834154 286/286 F 200,000.00 ZZ 360 199,619.47 1 6.250 1,231.44 40 6.000 1,231.44 FOUNTAIN VALLEY CA 92708 1 09/17/03 00 2771835 05 11/01/03 0 2771835 N 10/01/33 0 8834156 286/286 F 52,000.00 ZZ 360 51,910.19 1 6.750 337.28 47 6.500 337.28 REDDING CA 96001 5 09/25/03 00 2785381 05 11/01/03 0 2785381 N 10/01/33 0 8834158 286/286 F 180,000.00 ZZ 360 179,632.06 1 5.875 1,064.77 79 5.625 1,064.77 SEATTLE WA 98155 5 09/25/03 00 2559199 05 11/01/03 0 2559199 N 10/01/33 0 8834160 286/286 F 69,950.00 ZZ 360 69,831.69 1 6.875 459.53 70 6.625 459.53 QLBUQUERQUE NM 87102 5 09/02/03 00 2756747 05 11/01/03 0 2756747 N 10/01/33 0 1 8834162 286/286 F 69,650.00 ZZ 360 69,540.99 2 7.250 475.14 90 7.000 475.14 GRAND RAPIDS MI 49504 1 09/11/03 10 2763715 05 11/01/03 25 2763715 N 10/01/33 0 8834166 286/286 F 56,250.00 ZZ 360 56,155.22 2 6.875 369.52 75 6.625 369.52 THOMASTON GA 30286 2 09/17/03 00 2809275 05 11/01/03 0 2809275 N 10/01/33 0 8834168 286/286 F 175,000.00 ZZ 360 174,674.96 3 6.375 1,091.78 34 6.125 1,091.78 SANTA FE NM 87501 5 09/11/03 00 2784427 05 11/01/03 0 2784427 N 10/01/33 0 8834170 286/286 F 80,000.00 ZZ 360 79,868.45 2 7.000 532.25 68 6.750 532.25 PEORIA IL 61614 1 09/29/03 00 2761566 05 11/01/03 0 2761566 N 10/01/33 0 8834176 286/286 F 136,350.00 ZZ 360 136,108.73 1 6.625 873.07 59 6.375 873.07 LA PUENTE CA 91744 2 09/10/03 00 2777992 05 11/01/03 0 2777992 N 10/01/33 0 8834178 286/286 F 194,000.00 ZZ 360 193,656.72 1 6.625 1,242.21 80 6.375 1,242.21 1 AURORA OH 44202 1 09/17/03 00 2719790 01 11/01/03 0 2719790 N 10/01/33 0 8834180 286/286 F 143,600.00 ZZ 360 143,208.43 2 6.500 907.65 69 6.250 907.65 BALTIMORE MD 21224 2 09/04/03 00 2671166 05 10/01/03 0 2671166 N 09/01/33 0 8834182 286/286 F 46,350.00 ZZ 360 46,277.46 1 7.250 316.19 90 7.000 316.19 TYLER TX 75701 1 09/18/03 11 2797121 05 11/01/03 25 2797121 N 10/01/33 0 8834184 286/286 F 165,000.00 ZZ 360 164,539.07 1 6.375 1,029.39 79 6.125 1,029.39 RICHMOND VA 23233 2 08/27/03 00 2671457 05 10/01/03 0 2671457 N 09/01/33 0 8834188 286/286 F 71,500.00 ZZ 360 71,376.53 1 6.750 463.75 75 6.500 463.75 MARGATE FL 33063 5 09/17/03 00 2753279 01 11/01/03 0 2753279 N 10/01/33 0 8834192 286/286 F 50,400.00 ZZ 360 50,321.12 1 7.250 343.82 80 7.000 343.82 INDIANPOLIS IN 46222 2 09/25/03 00 2794934 05 11/01/03 0 2794934 N 10/01/33 0 1 8834198 286/286 F 53,600.00 ZZ 360 53,505.16 1 6.625 343.21 80 6.375 343.21 KANSAS CITY KS 66106 1 09/05/03 00 2757777 05 11/01/03 0 2757777 N 10/01/33 0 8834202 286/286 F 64,350.00 ZZ 360 64,244.18 1 7.000 428.13 90 6.750 428.13 ALBUQUERQUE NM 87108 2 09/09/03 21 2715607 05 11/01/03 25 2715607 N 10/01/33 0 8834204 286/286 F 64,350.00 ZZ 360 64,244.18 1 7.000 428.13 90 6.750 428.13 ALBUQUERQUE NM 87108 2 09/09/03 04 2715604 05 11/01/03 25 2715604 N 10/01/33 0 8834206 286/286 F 62,400.00 ZZ 360 62,289.60 1 6.625 399.55 80 6.375 399.55 AUSTIN TX 78705 1 09/19/03 00 2823359 01 11/01/03 0 2823359 N 10/01/33 0 8834208 286/286 F 66,600.00 ZZ 360 66,490.48 1 7.000 443.10 90 6.750 443.10 ALBUQUERQUE NM 87108 2 09/09/03 04 2715599 05 11/01/03 25 2715599 N 10/01/33 0 8834210 286/286 F 64,000.00 ZZ 360 63,886.75 1 1 6.625 409.80 80 6.375 409.80 AUSTIN TX 78705 1 09/19/03 00 2823328 01 11/01/03 0 2823328 N 10/01/33 0 8834214 286/286 F 50,000.00 ZZ 360 49,915.74 1 6.875 328.47 80 6.625 328.47 INDIANAPOLIS IN 46218 1 09/29/03 00 2799383 05 11/01/03 0 2799383 N 10/01/33 0 8834216 286/286 F 66,800.00 ZZ 360 66,690.16 1 7.000 444.43 90 6.750 444.43 ALBUQUERQUE NM 87108 2 09/09/03 21 2715586 05 11/01/03 25 2715586 N 10/01/33 0 8834220 286/286 F 66,800.00 ZZ 360 66,690.16 1 7.000 444.43 90 6.750 444.43 ALBUQUERQUE NM 87108 2 09/09/03 21 2715576 05 11/01/03 25 2715576 N 10/01/33 0 8834222 286/286 F 83,000.00 ZZ 360 82,830.33 1 5.875 490.98 67 5.625 490.98 VIRGINIA BEACH VA 23462 2 09/25/03 00 2652085 05 11/01/03 0 2652085 N 10/01/33 0 8834224 286/286 F 66,800.00 ZZ 360 66,690.16 1 7.000 444.43 90 6.750 444.43 ALBUQUERQUE NM 87108 2 09/09/03 21 2715570 05 11/01/03 25 1 2715570 N 10/01/33 0 8834226 286/286 F 126,000.00 ZZ 360 125,886.09 2 6.500 796.41 78 6.250 796.41 TUCSON AZ 85716 2 10/08/03 00 2802372 05 12/01/03 0 2802372 N 11/01/33 0 8834228 286/286 F 52,700.00 ZZ 360 52,613.34 4 7.000 350.62 24 6.750 350.62 BOONSBORO MD 21713 5 09/25/03 00 2758336 05 11/01/03 0 2758336 N 10/01/33 0 8834230 286/286 F 44,910.00 ZZ 360 44,874.08 1 7.125 302.57 90 6.875 302.57 CHESAPEAKE VA 23321 1 10/01/03 11 2788284 05 12/01/03 25 2788284 N 11/01/33 0 8834232 286/286 F 150,500.00 ZZ 360 150,220.46 4 6.375 938.93 70 6.125 938.93 EAST ORANGE NJ 07017 5 09/15/03 00 2693107 05 11/01/03 0 2693107 N 10/01/33 0 8834234 286/286 F 53,910.00 ZZ 360 53,823.50 1 7.125 363.21 90 6.875 363.21 NORFOLK VA 23523 1 09/24/03 12 2782799 05 11/01/03 25 2782799 N 10/01/33 0 1 8834238 286/286 F 222,350.00 ZZ 360 221,772.44 1 6.750 1,442.16 79 6.500 1,442.16 FAIRFAX VA 22032 5 08/21/03 00 2651786 05 10/01/03 0 2651786 N 09/01/33 0 8834240 286/286 F 61,830.00 ZZ 360 61,730.80 1 7.125 416.57 90 6.875 416.57 CHESAPEAKE VA 23321 1 09/30/03 11 2782796 05 11/01/03 25 2782796 N 10/01/33 0 8834244 286/286 F 78,300.00 ZZ 360 78,174.38 1 7.125 527.53 90 6.875 527.53 NORFOLK VA 23523 1 10/01/03 11 2782722 05 11/01/03 25 2782722 N 10/01/33 0 8834246 286/286 F 40,500.00 ZZ 360 40,433.41 1 7.000 269.45 90 6.750 269.45 CHESAPEAKE VA 23321 1 09/30/03 11 2777396 05 11/01/03 25 2777396 N 10/01/33 0 8834252 286/286 F 50,000.00 ZZ 360 49,915.74 2 6.875 328.47 80 6.625 328.47 ONTARIO OR 97914 1 09/23/03 00 2744351 05 11/01/03 0 2744351 N 10/01/33 0 8834254 286/286 F 55,000.00 ZZ 360 54,907.30 2 6.875 361.32 88 6.625 361.32 1 ONTARIO OR 97914 1 09/30/03 12 2743886 05 11/01/03 25 2743886 N 10/01/33 0 8834256 286/286 F 67,500.00 ZZ 360 67,377.62 1 6.500 426.65 72 6.250 426.65 MONTICELLO IN 47960 2 09/25/03 00 2675481 05 11/01/03 0 2675481 N 10/01/33 0 8834260 286/286 F 147,000.00 ZZ 360 146,752.29 1 6.875 965.69 70 6.625 965.69 PHILADELPHIA PA 19146 5 09/12/03 00 2690939 05 11/01/03 0 2690939 N 10/01/33 0 8834266 286/286 F 176,000.00 ZZ 360 175,520.09 1 6.500 1,112.44 80 6.250 1,112.44 FAIRFAX VA 22033 1 08/27/03 00 2682810 01 10/01/03 0 2682810 N 09/01/33 0 8834268 286/286 F 76,000.00 ZZ 360 75,868.62 1 6.750 492.94 80 6.500 492.94 TACOMA WA 98404 5 09/17/03 00 2754672 05 11/01/03 0 2754672 N 10/01/33 0 8834270 286/286 F 43,200.00 ZZ 360 43,132.30 1 7.250 294.71 80 7.000 294.71 OXON HILL MD 20745 1 09/10/03 00 2491200 01 11/01/03 0 2491200 N 10/01/33 0 1 8834274 286/286 F 247,000.00 ZZ 360 246,541.24 1 6.375 1,540.96 67 6.125 1,540.96 SAN DIEGO CA 92119 5 09/08/03 00 2750051 05 11/01/03 0 2750051 N 10/01/33 0 8834276 286/286 F 130,500.00 ZZ 360 130,169.19 1 6.875 857.30 75 6.625 857.30 BALTIMORE MD 21230 2 08/21/03 00 2642310 05 10/01/03 0 2642310 N 09/01/33 0 8834280 286/286 F 322,700.00 ZZ 360 322,100.64 1 6.375 2,013.23 68 6.125 2,013.23 CHULA VISTA CA 91911 5 09/10/03 00 2704951 05 11/01/03 0 2704951 N 10/01/33 0 8834282 286/286 F 50,000.00 ZZ 360 49,794.58 1 5.875 295.77 38 5.625 295.77 LAWRENCEVILLE GA 30044 2 07/14/03 00 2231539 05 09/01/03 0 2231539 N 08/01/33 0 8834286 286/286 F 146,000.00 ZZ 360 145,116.92 1 6.000 875.35 80 5.750 875.35 TURLOCK CA 95380 1 05/07/03 00 2474883 05 07/01/03 0 2474883 N 06/01/33 0 8834290 286/286 F 120,000.00 ZZ 360 119,802.69 1 1 7.000 798.37 80 6.750 798.37 LEESBURG VA 20175 1 09/30/03 00 2764020 01 11/01/03 0 2764020 N 10/01/33 0 8834294 286/286 F 124,200.00 ZZ 360 124,005.63 1 7.250 847.27 90 7.000 847.27 WOODBRIDGE NJ 07095 1 10/03/03 14 2754975 01 11/01/03 25 2754975 N 10/01/33 0 8834328 286/286 F 82,350.00 ZZ 360 82,211.22 1 6.875 540.99 90 6.625 540.99 GARLAND TX 75040 1 09/15/03 11 2735955 05 11/01/03 25 2735955 N 10/01/33 0 8834330 286/286 F 176,800.00 TX 360 176,494.68 1 6.750 1,146.73 80 6.500 1,146.73 FRISCO TX 75035 5 09/17/03 00 2537099 05 11/01/03 0 2537099 N 10/01/33 0 8834332 286/286 F 148,500.00 ZZ 360 148,265.56 1 7.250 1,013.04 90 7.000 1,013.04 WARMINSTER PA 18974 1 09/12/03 12 2756484 05 11/01/03 25 2756484 N 10/01/33 0 8834334 286/286 F 66,000.00 ZZ 360 65,610.14 1 6.125 401.03 80 5.875 401.03 MACON GA 31204 1 05/21/03 00 2322593 05 07/01/03 0 1 2322593 N 06/01/33 0 8834336 286/286 F 130,450.00 ZZ 360 130,049.05 1 5.875 771.66 59 5.625 771.66 COTTONTOWN TN 37048 2 08/25/03 00 2663679 05 10/01/03 0 2663679 N 09/01/33 0 8834346 286/286 F 132,000.00 ZZ 360 131,748.85 1 6.250 812.75 80 6.000 812.75 SPOKANE WA 99223 5 09/23/03 00 2799678 05 11/01/03 0 2799678 N 10/01/33 0 8834348 286/286 F 222,000.00 ZZ 360 221,607.16 2 6.625 1,421.50 69 6.375 1,421.50 SAN DIEGO CA 92113 5 09/29/03 00 2833807 05 11/01/03 0 2833807 N 10/01/33 0 8834350 286/286 F 120,000.00 ZZ 360 119,792.78 1 6.750 778.32 74 6.500 778.32 INDIANAPOLIS IN 46260 5 09/02/03 00 2678268 05 11/01/03 0 2678268 N 10/01/33 0 8834352 286/286 F 207,900.00 ZZ 360 207,574.64 1 7.250 1,418.25 80 7.000 1,418.25 DIMONDALE MI 48821 1 09/25/03 00 2764026 05 11/01/03 0 2764026 N 10/01/33 0 1 8834354 286/286 F 80,000.00 ZZ 360 79,865.18 1 6.875 525.55 57 6.625 525.55 LAKE LILLIAN MN 56253 5 09/25/03 00 2808031 05 11/01/03 0 2808031 N 10/01/33 0 8834358 286/286 F 144,000.00 ZZ 360 143,757.35 1 6.875 945.98 90 6.625 945.98 HOUSTON TX 77008 1 09/22/03 12 2832200 05 11/01/03 25 2832200 N 10/01/33 0 8834362 286/286 F 68,000.00 ZZ 360 67,888.19 1 7.000 452.41 80 6.750 452.41 LAS VEGAS NV 89106 1 09/11/03 00 1691796 05 11/01/03 0 1691796 N 10/01/33 0 8834366 286/286 F 50,500.00 ZZ 360 50,406.19 1 6.375 315.06 70 6.125 315.06 INDPLS IN 46236 2 09/05/03 00 2667122 05 11/01/03 0 2667122 N 10/01/33 0 8834370 286/286 F 160,000.00 ZZ 360 159,716.88 1 6.625 1,024.50 64 6.375 1,024.50 SPRINGFIELD VA 22152 5 09/16/03 00 2780079 03 11/01/03 0 2780079 N 10/01/33 0 8834374 286/286 F 61,200.00 ZZ 360 61,108.88 1 7.500 427.92 90 7.250 427.92 1 ROCKPORT TX 78382 1 09/23/03 11 2752958 05 11/01/03 25 2752958 N 10/01/33 0 8834382 286/286 F 179,800.00 ZZ 360 178,586.98 1 6.250 1,107.06 80 6.000 1,107.06 CENTENNIAL CO 80015 2 05/02/03 00 2430450 05 06/01/03 0 2430450 N 05/01/33 0 8834386 286/286 F 150,000.00 ZZ 360 149,588.45 1 6.500 948.11 70 6.250 948.11 CLACKAMAS OR 97015 5 08/25/03 00 1921634 05 10/01/03 0 1921634 N 09/01/33 0 8834390 286/286 F 222,400.00 ZZ 360 222,198.95 1 6.500 1,405.72 80 6.250 1,405.72 EDMONDS WA 98020 1 10/01/03 00 2828845 05 12/01/03 0 2828845 N 11/01/33 0 8834394 286/286 F 190,800.00 ZZ 360 190,445.62 1 6.375 1,190.35 80 6.125 1,190.35 SACRAMENTO CA 95823 1 09/25/03 00 2796927 05 11/01/03 0 2796927 N 10/01/33 0 8834398 286/286 F 60,000.00 ZZ 360 59,653.88 1 6.250 369.44 75 6.000 369.44 VIRGINIA BEACH VA 23464 2 05/12/03 00 2189483 01 07/01/03 0 2189483 N 06/01/33 0 1 8834402 286/286 F 76,500.00 ZZ 360 76,371.07 1 6.875 502.56 90 6.625 502.56 HOUSTON TX 77082 1 09/12/03 11 2750071 05 11/01/03 25 2750071 N 10/01/33 0 8834414 286/286 F 136,000.00 ZZ 360 135,787.18 1 7.250 927.76 78 7.000 927.76 DIMONDALE MI 48821 1 09/25/03 00 2764000 05 11/01/03 0 2764000 N 10/01/33 0 8834418 286/286 F 75,600.00 ZZ 360 75,472.61 1 6.875 496.64 70 6.625 496.64 TUCSON AZ 85712 1 09/24/03 00 2778056 05 11/01/03 0 2778056 N 10/01/33 0 8834426 E82/G02 F 320,000.00 ZZ 360 320,000.00 1 6.750 2,075.51 70 6.500 2,075.51 BETHESDA MD 20817 5 10/29/03 00 0400892691 05 01/01/04 0 0400892691 O 12/01/33 0 8834428 286/286 F 184,000.00 ZZ 360 183,689.95 1 6.875 1,208.75 80 6.625 1,208.75 HIGHLANDS RANCH CO 80129 1 09/10/03 00 2751964 05 11/01/03 0 2751964 N 10/01/33 0 8834432 E82/G02 F 79,500.00 ZZ 360 79,500.00 1 1 6.000 476.64 55 5.750 476.64 TROUT CREEK MT 59874 2 10/29/03 00 0400877031 05 01/01/04 0 0400877031 O 12/01/33 0 8834434 286/286 F 69,750.00 ZZ 360 69,540.63 2 6.000 418.19 90 5.750 418.19 AMHERST NY 14226 1 09/02/03 11 2647217 05 10/01/03 25 2647217 N 09/01/33 0 8834440 286/286 F 170,500.00 ZZ 360 170,190.89 1 6.500 1,077.68 52 6.250 1,077.68 MURRIETA CA 92562 1 09/11/03 00 2782083 05 11/01/03 0 2782083 N 10/01/33 0 8834450 E82/G02 F 256,600.00 ZZ 360 256,600.00 1 7.125 1,728.76 70 6.875 1,728.76 MAHOPAC NY 10541 5 10/30/03 00 0400897476 05 01/01/04 0 0400897476 O 12/01/33 0 8834452 286/286 F 152,000.00 ZZ 360 151,724.42 2 6.500 960.75 80 6.250 960.75 COLLEGE STATION TX 77845 1 09/09/03 00 2696328 05 11/01/03 0 2696328 N 10/01/33 0 8834462 E82/G02 F 90,700.00 ZZ 360 90,700.00 1 7.375 626.44 76 7.125 626.44 TAMPA FL 33605 2 11/04/03 00 0400903704 05 01/01/04 0 1 0400903704 N 12/01/33 0 8834464 286/286 F 60,000.00 ZZ 360 59,888.54 1 6.375 374.33 54 6.125 374.33 PHOENIX AZ 85051 5 09/29/03 00 2735611 05 11/01/03 0 2735611 N 10/01/33 0 8834470 286/286 F 440,000.00 ZZ 360 439,202.31 1 6.500 2,781.10 45 6.250 2,781.10 PRINCEVILLE HI 96722 1 09/25/03 00 2809492 05 11/01/03 0 2809492 N 10/01/33 0 8834474 E82/G02 F 192,500.00 ZZ 360 192,500.00 2 6.875 1,264.59 70 6.625 1,264.59 LINDEN NJ 07036 2 10/30/03 00 0400911863 05 01/01/04 0 0400911863 O 12/01/33 0 8834478 286/286 F 72,000.00 ZZ 240 71,557.18 1 6.500 536.82 56 6.250 536.82 RICHMOND VA 23226 5 08/28/03 00 2669623 05 10/01/03 0 2669623 N 09/01/23 0 8834486 286/286 F 79,500.00 ZZ 360 79,362.71 1 6.750 515.64 75 6.500 515.64 VANCOUVER WA 98662 1 09/23/03 00 2809556 01 11/01/03 0 2809556 N 10/01/33 0 1 8834494 286/286 F 270,000.00 ZZ 360 269,498.53 1 6.375 1,684.45 62 6.125 1,684.45 ALEXANDRIA VA VA 22304 1 09/26/03 00 2780199 05 11/01/03 0 2780199 N 10/01/33 0 8834496 E82/G02 F 85,000.00 ZZ 360 85,000.00 1 7.250 579.85 57 7.000 579.85 AUSTIN TX 78758 2 10/29/03 00 0400901716 05 01/01/04 0 0400901716 O 12/01/33 0 8834498 286/286 F 63,000.00 ZZ 360 62,874.25 1 6.000 377.72 72 5.750 377.72 HOWELL NJ 07731 2 09/15/03 00 2592266 01 11/01/03 0 2592266 N 10/01/33 0 8834518 286/286 F 46,000.00 ZZ 360 45,916.59 2 6.500 290.76 80 6.250 290.76 KANKAKEE IL 60901 1 09/08/03 00 1770413 05 11/01/03 0 1770413 N 10/01/33 0 8834526 E82/G02 F 107,450.00 ZZ 360 107,450.00 4 7.500 751.31 53 7.250 751.31 LAGO VISTA TX 78645 2 11/03/03 00 0400894077 05 01/01/04 0 0400894077 N 12/01/33 0 8834528 286/286 F 67,800.00 ZZ 360 67,685.75 1 6.875 445.40 72 6.625 445.40 1 ACCOKEEK MD 20607 2 09/29/03 00 2792605 05 11/01/03 0 2792605 N 10/01/33 0 8834532 E82/G02 F 253,300.00 ZZ 360 253,300.00 1 6.500 1,601.03 66 6.250 1,601.03 NAVARRE FL 32566 2 10/29/03 00 0400907739 07 01/01/04 0 0400907739 O 12/01/33 0 8834542 286/286 F 131,200.00 ZZ 360 130,962.13 1 6.500 829.28 80 6.250 829.28 FAYETTEVILLE GA 30214 1 09/30/03 00 2778780 05 11/01/03 0 2778780 N 10/01/33 0 8834562 286/286 F 51,300.00 ZZ 360 51,179.21 1 7.250 349.96 90 7.000 349.96 GALVESTON TX 77554 1 08/29/03 10 2769361 05 10/01/03 25 2769361 N 09/01/33 0 8834568 286/286 F 149,800.00 ZZ 360 149,528.42 4 6.500 946.84 70 6.250 946.84 MESA AZ 85204 1 09/18/03 00 2783581 05 11/01/03 0 2783581 N 10/01/33 0 8834576 286/286 F 149,800.00 ZZ 360 149,528.42 4 6.500 946.84 70 6.250 946.84 MESA AZ 85204 1 09/18/03 00 2783578 05 11/01/03 0 2783578 N 10/01/33 0 1 8834580 E82/G02 F 77,000.00 ZZ 360 77,000.00 1 7.000 512.28 86 6.750 512.28 HARBOR BEACH MI 48441 2 10/30/03 10 0400911905 05 01/01/04 25 0400911905 O 12/01/33 0 8834584 286/286 F 225,000.00 ZZ 360 224,118.55 2 6.125 1,367.12 68 5.875 1,367.12 STUGHTON MA 02072 5 07/18/03 00 2478634 05 09/01/03 0 2478634 N 08/01/33 0 8834592 286/286 F 125,000.00 ZZ 360 124,773.37 2 6.500 790.09 65 6.250 790.09 OKLAHOMA CITY OK 73119 5 09/24/03 00 2761887 05 11/01/03 0 2761887 N 10/01/33 0 8835078 F44/G02 F 162,450.00 ZZ 240 161,734.59 1 5.875 1,152.16 95 5.625 1,152.16 LAS VEGAS NV 89130 2 09/05/03 11 0436910376 03 11/01/03 30 93159067 O 10/01/23 0 8835196 U05/G02 F 82,800.00 ZZ 360 82,730.44 1 6.875 543.94 90 6.625 543.94 TALLAHASSEE FL 32305 1 10/28/03 10 0437041171 05 12/01/03 25 3000406640 N 11/01/33 0 8835200 286/286 F 268,000.00 ZZ 360 267,195.60 1 1 6.000 1,606.80 80 5.750 1,606.80 OLNEY MD 20832 2 08/08/03 00 2470451 05 10/01/03 0 2470451 N 09/01/33 0 8835204 286/286 F 38,500.00 ZZ 360 38,439.74 1 7.250 262.64 70 7.000 262.64 ERIE PA 16502 5 09/30/03 00 2704327 05 11/01/03 0 2704327 N 10/01/33 0 8835206 286/286 F 67,050.00 ZZ 360 66,942.44 2 7.125 451.73 90 6.875 451.73 SAINT LOUIS MO 63115 1 10/03/03 14 2849803 05 11/01/03 25 2849803 N 10/01/33 0 8835210 286/286 F 40,500.00 ZZ 360 40,436.63 1 7.250 276.28 90 7.000 276.28 CLOVIS NM 88101 1 09/30/03 11 2834234 05 11/01/03 25 2834234 N 10/01/33 0 8835212 286/286 F 148,500.00 ZZ 360 148,224.19 2 6.375 926.45 90 6.125 926.45 MINNEAPOLIS MN 55412 1 09/30/03 12 2815614 05 11/01/03 25 2815614 N 10/01/33 0 8835214 286/286 F 163,000.00 ZZ 360 162,697.26 1 6.375 1,016.91 39 6.125 1,016.91 LAKEWOOD CO 80232 1 09/19/03 00 2789167 05 11/01/03 0 1 2789167 N 10/01/33 0 8835222 286/286 F 173,600.00 ZZ 360 173,314.57 1 7.000 1,154.97 80 6.750 1,154.97 RANDALLSTOWN MD 21133 1 09/26/03 00 2815465 05 11/01/03 0 2815465 N 10/01/33 0 8835226 286/286 F 124,000.00 ZZ 360 123,764.07 1 6.250 763.49 80 6.000 763.49 LITITZ PA 17543 1 09/23/03 00 2712505 05 11/01/03 0 2712505 N 10/01/33 0 8835234 286/286 F 127,944.00 ZZ 360 127,733.63 1 7.000 851.22 90 6.750 851.22 GLENDALE HEIGHT IL 60139 1 09/23/03 12 2786969 05 11/01/03 25 2786969 N 10/01/33 0 8835246 286/286 F 69,300.00 ZZ 360 69,174.36 1 6.500 438.03 90 6.250 438.03 LEWISPORT KY 42351 1 09/03/03 11 2597237 05 11/01/03 25 2597237 N 10/01/33 0 8835270 286/286 F 73,800.00 ZZ 360 73,672.56 1 6.750 478.67 90 6.500 478.67 POTTSTOWN PA 19464 1 09/17/03 11 2757960 05 11/01/03 25 2757960 N 10/01/33 0 1 8835276 286/286 F 61,200.00 ZZ 360 61,104.21 1 7.250 417.50 90 7.000 417.50 COLLEGE PARK GA 30349 1 09/25/03 11 2822213 05 11/01/03 25 2822213 N 10/01/33 0 8835284 286/286 F 76,800.00 ZZ 360 76,663.62 2 6.750 498.13 80 6.500 498.13 ANDERSON IN 46013 1 09/25/03 00 2744252 05 11/01/03 0 2744252 O 10/01/33 0 8835292 286/286 F 58,500.00 ZZ 360 58,408.44 1 7.250 399.08 90 7.000 399.08 HINESVILLE GA 31313 1 09/30/03 12 2810054 05 11/01/03 30 2810054 N 10/01/33 0 8835298 286/286 F 120,700.00 ZZ 360 120,464.76 1 6.125 733.39 55 5.875 733.39 RICHMOND VA 23233 2 09/17/03 00 2544076 05 11/01/03 0 2544076 N 10/01/33 0 8835302 286/286 F 189,750.00 ZZ 360 189,405.99 1 6.500 1,199.35 90 6.250 1,199.35 KING GEORGE VA 22485 1 09/17/03 12 2783386 05 11/01/03 25 2783386 N 10/01/33 0 8835306 286/286 F 66,600.00 ZZ 360 66,479.25 1 6.500 420.96 90 6.250 420.96 1 DALLAS TX 75206 1 09/22/03 04 2858071 01 11/01/03 25 2858071 N 10/01/33 0 8835312 286/286 F 62,850.00 ZZ 360 62,751.64 1 7.250 428.75 80 7.000 428.75 SEWELL NJ 08080 1 09/30/03 00 2744690 05 11/01/03 0 2744690 N 10/01/33 0 8835316 286/286 F 50,000.00 ZZ 360 49,921.75 1 7.250 341.09 80 7.000 341.09 BROOKLAWN NJ 08030 1 09/24/03 00 2785076 05 11/01/03 0 2785076 N 10/01/33 0 8835320 286/286 F 76,500.00 ZZ 360 76,361.30 1 6.500 483.54 90 6.250 483.54 STUART FL 34996 1 09/03/03 10 2702275 05 11/01/03 25 2702275 N 10/01/33 0 8835324 286/286 F 112,000.00 ZZ 360 111,824.73 2 7.250 764.04 80 7.000 764.04 AKRON OH 44319 2 09/16/03 00 2722648 05 11/01/03 0 2722648 N 10/01/33 0 8835332 286/286 F 82,500.00 ZZ 360 82,350.43 1 6.500 521.46 66 6.250 521.46 AUSTIN TX 77664 2 09/18/03 00 2715525 05 11/01/03 0 2715525 N 10/01/33 0 1 8835350 286/286 F 63,000.00 ZZ 360 62,898.92 1 7.125 424.45 70 6.875 424.45 VISALIA CA 93291 5 09/24/03 00 2792715 05 11/01/03 0 2792715 N 10/01/33 0 8835356 286/286 F 57,250.00 ZZ 360 57,151.12 1 6.750 371.33 75 6.500 371.33 NORFOLK VA 23502 2 09/30/03 00 1770679 05 11/01/03 0 1770679 N 10/01/33 0 8835362 286/286 F 61,200.00 ZZ 360 61,106.56 1 7.375 422.70 80 7.125 422.70 CROWN POINT IN 46307 1 09/24/03 00 2722799 05 11/01/03 0 2722799 N 10/01/33 0 8835366 286/286 F 80,000.00 ZZ 360 79,851.41 2 6.375 499.10 62 6.125 499.10 PLAINFIELD CT 06374 2 09/22/03 00 2645851 05 11/01/03 0 2645851 N 10/01/33 0 8835370 286/286 F 246,000.00 ZZ 360 245,772.16 2 6.375 1,534.72 56 6.125 1,534.72 QUINCY MA 02169 1 10/09/03 00 2788265 05 12/01/03 0 2788265 N 11/01/33 0 8835376 286/286 F 63,000.00 ZZ 360 62,891.21 1 1 6.750 408.62 80 6.500 408.62 ANDERSON SC 29621 1 09/29/03 00 2822283 05 11/01/03 0 2822283 N 10/01/33 0 8835384 286/286 F 225,000.00 ZZ 360 224,582.10 2 6.375 1,403.71 90 6.125 1,403.71 ASHLAND OR 97520 2 09/16/03 11 2674939 05 11/01/03 25 2674939 N 10/01/33 0 8835388 286/286 F 55,200.00 ZZ 360 55,099.91 1 6.500 348.91 80 6.250 348.91 CAMPBELLSBURG IN 47108 1 09/12/03 00 2744657 05 11/01/03 0 2744657 N 10/01/33 0 8835398 286/286 F 69,600.00 ZZ 360 69,482.70 1 6.875 457.23 80 6.625 457.23 NORWICH NY 13815 1 09/22/03 00 2742322 05 11/01/03 0 2742322 N 10/01/33 0 8835402 286/286 F 80,000.00 ZZ 360 79,938.92 1 7.375 552.55 73 7.125 552.55 COLLINGSWOOD NJ 08108 5 10/09/03 00 2791232 05 12/01/03 0 2791232 N 11/01/33 0 8835406 286/286 F 74,500.00 ZZ 360 74,443.30 1 7.375 514.56 70 7.125 514.56 COLLINGSWOOD NJ 08108 5 10/09/03 00 2791231 05 12/01/03 0 1 2791231 N 11/01/33 0 8835418 286/286 F 205,500.00 ZZ 360 205,109.01 1 6.250 1,265.30 75 6.000 1,265.30 SEATTLE WA 98116 1 09/24/03 00 2802897 05 11/01/03 0 2802897 N 10/01/33 0 8835454 286/286 F 64,000.00 ZZ 360 63,946.23 1 6.875 420.44 73 6.625 420.44 ELWOOD IN 46036 2 10/03/03 00 2810249 05 12/01/03 0 2810249 N 11/01/33 0 8835458 286/286 F 62,000.00 ZZ 360 61,882.05 1 6.250 381.74 28 6.000 381.74 RESTON VA 20190 2 10/03/03 00 2773839 01 11/01/03 0 2773839 N 10/01/33 0 8835474 286/286 F 280,000.00 ZZ 360 279,492.37 1 6.500 1,769.80 80 6.250 1,769.80 RIVERSIDE CA 92507 1 09/11/03 00 2762237 05 11/01/03 0 2762237 N 10/01/33 0 8835492 286/286 F 120,500.00 ZZ 360 120,291.90 1 6.750 781.57 90 6.500 781.57 ALPHARETTA GA 30004 1 09/15/03 10 2790041 05 11/01/03 25 2790041 N 10/01/33 0 1 8835512 286/286 F 65,000.00 ZZ 360 64,939.79 1 6.375 405.52 25 6.125 405.52 REDMOND WA 98052 2 10/08/03 00 2837987 05 12/01/03 0 2837987 N 11/01/33 0 8835518 286/286 F 36,000.00 ZZ 360 35,937.83 1 6.750 233.50 25 6.500 233.50 BEND OR 97707 5 09/18/03 00 2786881 05 11/01/03 0 2786881 N 10/01/33 0 8835522 286/286 F 58,500.00 ZZ 360 58,445.81 1 6.375 364.97 90 6.125 364.97 ARLINGTON TX 76014 1 10/02/03 14 2834609 05 12/01/03 25 2834609 N 11/01/33 0 8835526 286/286 F 78,637.00 ZZ 360 78,507.70 1 7.000 523.18 90 6.750 523.18 INDIANAPOLIS IN 46229 1 10/02/03 12 2801660 05 11/01/03 25 2801660 N 10/01/33 0 8835530 286/286 F 76,800.00 ZZ 360 76,679.80 1 7.250 523.92 80 7.000 523.92 BRUNSWICK OH 44212 1 09/29/03 00 2748021 01 11/01/03 0 2748021 N 10/01/33 0 8835534 286/286 F 65,700.00 ZZ 360 65,597.19 1 7.250 448.19 90 7.000 448.19 1 PETERSBURG VA 23803 1 09/29/03 12 2769796 05 11/01/03 25 2769796 N 10/01/33 0 8835554 286/286 F 131,200.00 ZZ 360 130,867.41 1 6.875 861.90 80 6.625 861.90 PORTLAND OR 97266 2 09/02/03 00 2738200 05 10/01/03 0 2738200 N 09/01/33 0 8835564 286/286 F 35,000.00 ZZ 360 34,941.01 2 6.875 229.93 70 6.625 229.93 SPRINGFIELD OH 45503 5 09/24/03 00 2684455 05 11/01/03 0 2684455 N 10/01/33 0 8835566 286/286 F 149,900.00 ZZ 360 149,670.96 1 7.375 1,035.33 66 7.125 1,035.33 LAKE FOREST CA 92630 5 09/17/03 00 2756212 01 11/01/03 0 2756212 N 10/01/33 0 8835572 286/286 F 330,000.00 ZZ 360 329,387.07 4 6.375 2,058.78 75 6.125 2,058.78 LONG BEACH CA 90805 1 09/26/03 00 2778617 05 11/01/03 0 2778617 N 10/01/33 0 8835592 286/286 F 216,000.00 ZZ 360 215,626.99 2 6.750 1,400.98 90 6.500 1,400.98 LINDEN NJ 07036 1 09/15/03 21 2673010 05 11/01/03 25 2673010 N 10/01/33 0 1 8835602 286/286 F 44,000.00 ZZ 360 43,769.44 1 6.750 285.39 68 6.500 285.39 KANSAS CITY MO 64126 2 05/13/03 00 2217981 05 07/01/03 0 2217981 N 06/01/33 0 8835612 286/286 F 74,400.00 ZZ 360 74,211.39 2 6.875 488.76 80 6.625 488.76 ZEBULON GA 30295 2 08/22/03 00 2797004 05 10/01/03 0 2797004 N 09/01/33 0 8835620 286/286 F 74,400.00 ZZ 360 74,211.39 2 6.875 488.76 80 6.625 488.76 ZEBULON GA 30295 2 08/22/03 00 2796993 05 10/01/03 0 2796993 N 09/01/33 0 8835624 286/286 F 203,000.00 ZZ 360 202,613.76 3 6.250 1,249.91 70 6.000 1,249.91 VA BEACH VA 23451 5 09/05/03 00 2517715 05 11/01/03 0 2517715 N 10/01/33 0 8835630 286/286 F 125,000.00 ZZ 360 124,767.83 1 6.375 779.84 67 6.125 779.84 ORLANDO FL 32837 2 09/25/03 00 2379767 05 11/01/03 0 2379767 N 10/01/33 0 8835634 286/286 F 65,600.00 ZZ 360 65,486.70 1 1 6.750 425.49 80 6.500 425.49 NEWPORT RICHEY FL 34625 1 09/15/03 00 2799574 05 11/01/03 0 2799574 N 10/01/33 0 8835638 286/286 F 80,100.00 ZZ 360 79,974.64 1 7.250 546.43 90 7.000 546.43 OXFORD MI 48371 1 09/25/03 12 2810982 05 11/01/03 25 2810982 N 10/01/33 0 8835642 286/286 F 37,800.00 ZZ 360 37,742.29 1 7.375 261.08 90 7.125 261.08 PEORIA IL 61603 1 09/29/03 14 2780823 05 11/01/03 25 2780823 N 10/01/33 0 8835646 286/286 F 76,000.00 ZZ 360 75,871.93 1 6.875 499.27 80 6.625 499.27 TOLEDO OH 43609 2 09/17/03 00 2677889 05 11/01/03 0 2677889 N 10/01/33 0 8835650 286/286 F 160,000.00 ZZ 360 159,672.92 1 5.875 946.47 64 5.625 946.47 POLK CITY IA 50226 5 09/04/03 00 2698148 05 11/01/03 0 2698148 N 10/01/33 0 8835654 286/286 F 54,000.00 ZZ 360 53,889.60 2 5.875 319.44 27 5.625 319.44 ADDYSTON OH 45001 2 09/22/03 00 2638121 05 11/01/03 0 1 2638121 N 10/01/33 0 8835664 286/286 F 78,400.00 ZZ 360 78,264.60 1 6.750 508.51 70 6.500 508.51 ST LOUIS MO 63123 5 09/24/03 00 2813230 05 11/01/03 0 2813230 N 10/01/33 0 8835670 286/286 F 166,000.00 ZZ 360 165,536.29 1 6.375 1,035.63 43 6.125 1,035.63 COROLLA NC 27927 2 08/26/03 00 2690224 05 10/01/03 0 2690224 N 09/01/33 0 8835694 286/286 F 130,000.00 ZZ 360 129,764.32 2 6.500 821.69 73 6.250 821.69 HENDERSONVILLE NC 28739 2 09/15/03 00 2749183 05 11/01/03 0 2749183 N 10/01/33 0 8835696 286/286 F 46,300.00 ZZ 360 46,259.14 1 6.625 296.47 69 6.375 296.47 WHITE SULPHUR S MT 59645 5 10/02/03 00 2831526 05 12/01/03 0 2831526 N 11/01/33 0 8835700 286/286 F 185,000.00 ZZ 360 184,648.01 1 6.250 1,139.08 63 6.000 1,139.08 WEST COVINA CA 91790 5 09/25/03 00 2759670 05 11/01/03 0 2759670 N 10/01/33 0 1 8835704 286/286 F 68,000.00 ZZ 360 67,805.42 2 6.250 418.69 34 6.000 418.69 NEW BEDFORD MA 02740 5 08/26/03 00 2658272 05 10/01/03 0 2658272 N 09/01/33 0 8835708 286/286 F 155,000.00 ZZ 360 154,718.98 1 6.500 979.71 62 6.250 979.71 SURPRISE AZ 85374 1 09/10/03 00 2806076 05 11/01/03 0 2806076 N 10/01/33 0 8835712 286/286 F 46,400.00 ZZ 360 46,329.16 1 7.375 320.48 80 7.125 320.48 OLATHE KS 66062 1 09/12/03 00 2768101 05 11/01/03 0 2768101 N 10/01/33 0 8835716 286/286 F 71,250.00 ZZ 360 71,069.37 1 6.875 468.07 75 6.625 468.07 CHICAGO IL 60651 1 08/27/03 00 2744233 05 10/01/03 0 2744233 N 09/01/33 0 8835740 286/286 F 126,750.00 ZZ 360 126,514.56 2 6.375 790.76 75 6.125 790.76 OLYMPIA WA 98502 1 09/12/03 00 2771676 05 11/01/03 0 2771676 N 10/01/33 0 8835744 286/286 F 76,500.00 ZZ 360 76,374.21 1 7.000 508.96 90 6.750 508.96 1 VIRGINIA BEACH VA 23452 1 09/26/03 11 2767244 05 11/01/03 25 2767244 N 10/01/33 0 8835746 286/286 F 54,000.00 ZZ 360 53,695.87 1 6.375 336.89 90 6.125 336.89 CEDAR CITY UT 84720 1 05/23/03 21 2454240 05 07/01/03 30 2454240 N 06/01/33 0 8835756 286/286 F 154,800.00 ZZ 360 154,653.11 1 6.250 953.14 90 6.000 953.14 FRISCO TX 75034 1 10/01/03 14 2846070 05 12/01/03 25 2846070 N 11/01/33 0 8835758 286/286 F 163,200.00 ZZ 360 162,938.21 2 7.125 1,099.51 80 6.875 1,099.51 PITTSBURGH PA 15241 1 09/18/03 00 2729664 05 11/01/03 0 2729664 N 10/01/33 0 8835760 286/286 F 66,100.00 ZZ 360 65,974.23 1 6.250 406.99 57 6.000 406.99 GARLAND TX 75043 2 09/29/03 00 2735731 05 11/01/03 0 2735731 N 10/01/33 0 8835806 286/286 F 40,400.00 TX 360 40,326.75 1 6.500 255.36 63 6.250 255.36 GARLAND TX 75040 5 09/29/03 00 2735722 05 11/01/03 0 2735722 N 10/01/33 0 1 8835810 286/286 F 81,000.00 ZZ 360 80,860.12 1 6.750 525.37 69 6.500 525.37 KALAMAZOO MI 49006 2 09/16/03 00 2636737 05 11/01/03 0 2636737 N 10/01/33 0 8835816 286/286 F 60,000.00 ZZ 360 59,893.83 1 6.625 384.19 80 6.375 384.19 PHILADELPHIA PA 19115 1 09/19/03 00 2746427 01 11/01/03 0 2746427 N 10/01/33 0 8835818 286/286 F 39,533.00 ZZ 360 39,471.15 1 7.250 269.68 90 7.000 269.68 MULBERRY FL 33860 1 09/12/03 21 2804792 05 11/01/03 30 2804792 N 10/01/33 0 8835820 286/286 F 218,000.00 ZZ 360 217,623.54 1 6.750 1,413.95 67 6.500 1,413.95 GILBERT AZ 85296 2 09/16/03 00 2783509 05 11/01/03 0 2783509 N 10/01/33 0 8835822 286/286 F 126,750.00 ZZ 360 126,229.30 1 5.875 749.77 75 5.625 749.77 SCHAUMBURG IL 60193 2 07/02/03 00 2674430 01 09/01/03 0 2674430 N 08/01/33 0 8835828 286/286 F 46,800.00 ZZ 360 46,721.13 1 1 6.875 307.45 90 6.625 307.45 ALTON IL 62002 1 09/02/03 12 2716773 05 11/01/03 25 2716773 N 10/01/33 0 8835830 286/286 F 197,370.00 ZZ 360 197,029.18 1 6.750 1,280.14 90 6.500 1,280.14 STAFFORD VA 22554 1 09/15/03 21 2679726 05 11/01/03 25 2679726 N 10/01/33 0 8835832 286/286 F 127,928.00 ZZ 360 127,684.59 1 6.250 787.68 51 6.000 787.68 TUCSON AZ 85712 2 09/26/03 00 2805943 03 11/01/03 0 2805943 N 10/01/33 0 8835836 286/286 F 71,200.00 ZZ 360 71,080.01 1 6.875 467.74 80 6.625 467.74 MIAMI FL 33183 1 09/10/03 00 2779259 01 11/01/03 0 2779259 N 10/01/33 0 8835838 286/286 F 178,500.00 ZZ 360 178,176.38 3 6.500 1,128.25 65 6.250 1,128.25 BERWYN IL 60402 5 09/22/03 00 2736201 05 11/01/03 0 2736201 N 10/01/33 0 8835842 286/286 F 45,250.00 ZZ 360 45,163.91 1 6.250 278.61 80 6.000 278.61 BROWNWOOD TX 76801 2 09/04/03 00 2696257 05 11/01/03 0 1 2696257 N 10/01/33 0 8835850 286/286 F 64,000.00 ZZ 360 63,825.47 2 6.500 404.53 75 6.250 404.53 NEW ORLEANS LA 70116 2 08/08/03 00 2479732 05 10/01/03 0 2479732 N 09/01/33 0 8835852 286/286 F 66,000.00 ZZ 360 65,820.02 1 6.500 417.17 77 6.250 417.17 NEW ORLEANS LA 70117 2 08/08/03 00 2479769 05 10/01/03 0 2479769 N 09/01/33 0 8835856 286/286 F 268,000.00 ZZ 360 267,502.22 1 6.375 1,671.98 80 6.125 1,671.98 SALEM MA 01970 2 09/23/03 00 2742532 05 11/01/03 0 2742532 N 10/01/33 0 8835860 286/286 F 325,000.00 ZZ 360 324,396.36 3 6.375 2,027.58 66 6.125 2,027.58 BEVERLY MA 01915 5 09/23/03 00 2742463 05 11/01/03 0 2742463 N 10/01/33 0 8835870 286/286 F 70,000.00 ZZ 360 69,860.27 1 6.000 419.69 49 5.750 419.69 LAKEWOOD NJ 08701 5 09/26/03 00 2686429 05 11/01/03 0 2686429 N 10/01/33 0 1 8835882 286/286 F 76,200.00 ZZ 360 76,044.22 1 5.875 450.76 79 5.625 450.76 KELLER TX 76248 2 09/23/03 00 2574168 05 11/01/03 0 2574168 N 10/01/33 0 8835886 286/286 F 50,850.00 ZZ 360 50,770.42 1 7.250 346.89 90 7.000 346.89 EASTON PA 18042 1 09/25/03 04 2780453 05 11/01/03 25 2780453 N 10/01/33 0 8835890 286/286 F 123,200.00 ZZ 360 122,954.09 2 6.000 738.65 66 5.750 738.65 CLAWSON MI 48017 2 09/15/03 00 2667509 05 11/01/03 0 2667509 N 10/01/33 0 8835894 286/286 F 120,000.00 ZZ 360 119,792.78 1 6.750 778.32 70 6.500 778.32 WOODLAND PARK CO 80863 5 09/16/03 00 2783215 05 11/01/03 0 2783215 N 10/01/33 0 8835904 286/286 F 202,710.00 ZZ 360 202,157.24 4 6.500 1,281.27 70 6.250 1,281.27 MESA AZ 85201 1 08/22/03 00 2701752 05 10/01/03 0 2701752 N 09/01/33 0 8835916 286/286 F 52,000.00 ZZ 360 51,914.49 1 7.000 345.96 80 6.750 345.96 1 ROELAND PARK KS 66205 1 09/10/03 00 2758483 05 11/01/03 0 2758483 N 10/01/33 0 8835918 286/286 F 134,000.00 ZZ 360 133,768.59 2 6.750 869.13 65 6.500 869.13 MANCHESTER NH 03104 2 09/29/03 00 2529212 05 11/01/03 0 2529212 N 10/01/33 0 8835922 286/286 F 75,375.00 ZZ 360 75,259.92 2 7.375 520.60 90 7.125 520.60 WATERBURY CT 06704 1 09/24/03 12 911057 05 11/01/03 25 911057 N 10/01/33 0 8835926 286/286 F 171,000.00 ZZ 360 170,841.62 2 6.375 1,066.82 53 6.125 1,066.82 ELIZABETH NJ 07202 5 10/09/03 00 2626922 05 12/01/03 0 2626922 N 11/01/33 0 8835930 286/286 F 171,000.00 ZZ 360 170,841.62 2 6.375 1,066.82 56 6.125 1,066.82 ELIZABETH NJ 07202 5 10/09/03 00 2626899 05 12/01/03 0 2626899 N 11/01/33 0 8835934 286/286 F 155,000.00 ZZ 360 154,738.81 1 6.875 1,018.24 59 6.625 1,018.24 TUCSON AZ 85745 5 09/30/03 00 2819540 05 11/01/03 0 2819540 N 10/01/33 0 1 8835942 286/286 F 179,000.00 ZZ 360 178,634.09 3 5.875 1,058.86 60 5.625 1,058.86 LOWELL MA 01852 5 09/17/03 00 2638237 05 11/01/03 0 2638237 N 10/01/33 0 8835946 286/286 F 72,400.00 ZZ 360 72,274.97 1 6.750 469.59 80 6.500 469.59 PEORIA AZ 85381 1 09/30/03 00 2804723 01 11/01/03 0 2804723 N 10/01/33 0 8835964 286/286 F 82,800.00 ZZ 360 82,660.48 1 6.875 543.94 90 6.625 543.94 WARREN MI 48089 1 09/19/03 11 2782056 05 11/01/03 25 2782056 N 10/01/33 0 8835968 286/286 F 45,900.00 ZZ 360 45,829.93 1 7.375 317.02 90 7.125 317.02 SHARON HILL PA 19079 1 09/12/03 04 2769861 05 11/01/03 25 2769861 N 10/01/33 0 8835974 286/286 F 156,500.00 ZZ 360 156,180.10 2 5.875 925.76 87 5.625 925.76 GIG HARBOR WA 98335 2 09/22/03 12 2733519 05 11/01/03 25 2733519 N 10/01/33 0 8836006 286/286 F 56,997.00 ZZ 360 56,909.98 1 1 7.375 393.67 90 7.125 393.67 NEW LEBANON OH 45345 1 09/26/03 10 2723283 05 11/01/03 25 2723283 N 10/01/33 0 8836010 286/286 F 64,800.00 TX 360 64,623.18 1 6.500 409.58 60 6.250 409.58 ROUND ROCK TX 78664 5 08/27/03 00 2709386 05 10/01/03 0 2709386 N 09/01/33 0 8836014 286/286 F 74,700.00 ZZ 360 74,641.72 2 7.250 509.59 90 7.000 509.59 BLOOMINGTON IL 61701 1 10/01/03 04 2790721 05 12/01/03 25 2790721 N 11/01/33 0 8836018 286/286 F 55,600.00 ZZ 360 55,512.97 1 7.250 379.30 80 7.000 379.30 CANTON OH 44709 1 09/10/03 00 2711805 05 11/01/03 0 2711805 N 10/01/33 0 8836022 286/286 F 119,000.00 ZZ 360 118,813.78 1 7.250 811.79 80 7.000 811.79 HESPERIA CA 92345 5 09/19/03 00 2792739 05 11/01/03 0 2792739 N 10/01/33 0 8836026 286/286 F 247,050.00 ZZ 360 246,623.38 2 6.750 1,602.37 90 6.500 1,602.37 DENVER CO 80205 1 09/19/03 10 2715847 05 11/01/03 25 1 2715847 N 10/01/33 0 8836036 286/286 F 138,000.00 ZZ 360 137,755.81 1 6.625 883.63 80 6.375 883.63 TOMBALL TX 77377 1 09/30/03 00 2824905 05 11/01/03 0 2824905 N 10/01/33 0 8836040 286/286 F 65,820.00 ZZ 360 65,709.07 3 6.875 432.40 75 6.625 432.40 LEWISTON ME 04240 1 09/11/03 00 2345404 05 11/01/03 0 2345404 N 10/01/33 0 8836048 286/286 F 61,600.00 ZZ 360 61,493.62 1 6.750 399.54 80 6.500 399.54 RICHMOND VA 23231 1 09/29/03 00 2750805 05 11/01/03 0 2750805 N 10/01/33 0 8836058 286/286 F 200,000.00 ZZ 360 199,600.78 1 6.000 1,199.11 64 5.750 1,199.11 WHEAT RIDGE CO 80033 5 10/01/03 00 2833921 05 11/01/03 0 2833921 N 10/01/33 0 8836064 286/286 F 78,300.00 ZZ 360 78,177.45 1 7.250 534.15 90 7.000 534.15 VIRGINIA BEACH VA 23452 1 09/30/03 11 2787983 05 11/01/03 25 2787983 N 10/01/33 0 1 8836084 286/286 F 236,000.00 ZZ 360 235,550.97 1 6.250 1,453.10 80 6.000 1,453.10 OLNEY MD 20832 1 09/23/03 00 2717346 03 11/01/03 0 2717346 N 10/01/33 0 8836088 286/286 F 130,000.00 ZZ 360 129,780.94 2 6.875 854.01 67 6.625 854.01 CLEVELAND HTS OH 44118 2 09/08/03 00 2752015 05 11/01/03 0 2752015 N 10/01/33 0 8836092 286/286 F 208,000.00 ZZ 360 207,666.33 2 7.125 1,401.34 80 6.875 1,401.34 OAKLAND PARK FL 33334 1 10/01/03 00 2801082 05 11/01/03 0 2801082 N 10/01/33 0 8836096 286/286 F 272,000.00 ZZ 360 271,494.80 1 6.375 1,696.93 75 6.125 1,696.93 COSTA MESA CA 92627 5 09/18/03 00 2802960 01 11/01/03 0 2802960 N 10/01/33 0 8836102 286/286 F 65,700.00 ZZ 360 65,597.19 1 7.250 448.19 90 7.000 448.19 CANTON OH 44714 1 09/26/03 12 2762959 05 11/01/03 25 2762959 N 10/01/33 0 8836106 286/286 F 190,000.00 ZZ 360 189,481.92 1 6.500 1,200.93 64 6.250 1,200.93 1 OSTERVILLE MA 02655 5 08/28/03 00 2683837 05 10/01/03 0 2683837 N 09/01/33 0 8836110 286/286 F 168,000.00 TX 360 167,695.42 2 6.500 1,061.88 68 6.250 1,061.88 SAN ANTONIO TX 78217 5 09/15/03 00 2690771 05 11/01/03 0 2690771 N 10/01/33 0 8836114 286/286 F 175,000.00 TX 360 174,682.74 2 6.500 1,106.12 65 6.250 1,106.12 SAN ANTONIO TX 78212 5 09/15/03 00 2473658 05 11/01/03 0 2473658 N 10/01/33 0 8836132 286/286 F 69,000.00 ZZ 360 68,883.71 1 6.875 453.29 88 6.625 453.29 BROOKVILLE OH 45309 2 09/22/03 11 2678906 05 11/01/03 25 2678906 N 10/01/33 0 8836140 286/286 F 158,700.00 ZZ 360 158,412.28 1 6.500 1,003.10 46 6.250 1,003.10 MISSION VIEJO CA 92692 2 09/24/03 00 2675820 01 11/01/03 0 2675820 N 10/01/33 0 8836146 286/286 F 299,700.00 ZZ 360 299,194.98 1 6.875 1,968.82 90 6.625 1,968.82 WEST HYANNIS PO MA 02630 1 09/15/03 11 2706387 05 11/01/03 25 2706387 N 10/01/33 0 1 8836338 313/G02 F 187,048.00 ZZ 360 186,725.01 1 6.750 1,213.19 80 6.500 1,213.19 IRVING TX 75062 1 09/19/03 00 0436916167 05 11/01/03 0 9895202 O 10/01/33 0 8836346 313/G02 F 84,000.00 ZZ 360 83,927.67 1 6.750 544.83 75 6.500 544.83 WHITEFISH BAY WI 53217 1 10/15/03 00 0436890297 01 12/01/03 0 9920802 O 11/01/33 0 8836350 313/G02 F 80,000.00 ZZ 360 79,927.67 1 6.500 505.66 72 6.250 505.66 PORT SAINT LUCI FL 34983 1 10/16/03 00 0436916605 05 12/01/03 0 9568049 O 11/01/33 0 8836378 313/G02 F 457,500.00 ZZ 360 456,690.47 1 6.625 2,929.43 75 6.375 2,929.43 ARLINGTON VA 22205 5 09/24/03 00 0436892657 09 11/01/03 0 9812983 O 10/01/33 0 8836384 313/G02 F 204,720.00 ZZ 360 204,357.76 1 6.625 1,310.85 80 6.375 1,310.85 ONTARIO CA 91761 1 09/30/03 00 0436892673 03 11/01/03 0 9915372 O 10/01/33 0 8836386 313/G02 F 68,760.00 ZZ 360 68,710.23 4 1 7.625 486.68 90 7.375 486.68 SAINT LOUIS MO 63116 1 10/08/03 11 0436890545 05 12/01/03 25 9931619 N 11/01/33 0 8836390 313/G02 F 132,000.00 ZZ 360 131,874.75 1 6.250 812.75 80 6.000 812.75 HIALEAH FL 33014 5 10/08/03 00 0436892541 05 12/01/03 0 9921669 O 11/01/33 0 8836394 313/G02 F 360,000.00 ZZ 360 359,666.56 2 6.375 2,245.94 76 6.125 2,245.94 WOLLASTON MA 02170 5 10/09/03 00 0436890099 05 12/01/03 0 9884883 O 11/01/33 0 8836398 313/G02 F 114,300.00 ZZ 360 114,213.02 4 7.375 789.45 90 7.125 789.45 SAINT LOUIS MO 63111 1 10/17/03 11 0436890941 05 12/01/03 25 9941543 N 11/01/33 0 8837980 B23/G02 F 268,000.00 ZZ 360 267,751.78 1 6.375 1,671.97 82 6.125 1,671.97 RESEDA CA 91335 2 10/28/03 10 0436897433 05 12/01/03 12 80003891 O 11/01/33 0 8838532 R84/G02 F 189,600.00 ZZ 360 189,432.72 1 6.625 1,214.03 80 6.375 1,214.03 BONNEY LAKE WA 98390 5 10/23/03 00 0436894828 05 12/01/03 0 1 WA310043 O 11/01/33 0 8838566 K60/G02 F 135,000.00 ZZ 360 134,877.96 1 6.500 853.29 63 6.250 853.29 TOWNSEND STATIO DE 19734 1 10/29/03 00 0436891576 05 12/01/03 0 0001058004 O 11/01/33 0 8838578 G34/G02 F 197,600.00 ZZ 360 197,421.36 1 6.500 1,248.97 90 6.250 1,248.97 NORTH LAS VEGAS NV 89084 1 10/29/03 10 0436895262 05 12/01/03 25 77309218 N 11/01/33 0 8838626 E82/G02 F 79,200.00 ZZ 360 79,200.00 2 7.250 540.28 84 7.000 540.28 WOORUFF SC 29388 2 11/05/03 04 0400901476 05 01/01/04 12 0400901476 N 12/01/33 0 8838628 E82/G02 F 155,650.00 ZZ 360 155,650.00 1 6.750 1,009.54 92 6.500 1,009.54 JACKSONVILLE NC 28540 2 10/31/03 10 0400904017 05 01/01/04 30 0400904017 O 12/01/33 0 8838892 X13/G02 F 274,000.00 ZZ 360 274,000.00 1 6.000 1,642.77 84 5.750 1,642.77 WEST PALM BEACH FL 33412 5 10/30/03 04 0436893952 05 01/01/04 12 109207956 O 12/01/33 0 1 8839006 U35/G02 F 197,100.00 T 360 196,946.24 1 7.250 1,344.57 90 7.000 1,344.57 LEXINGTON SC 29073 1 10/31/03 04 0436888275 05 12/01/03 25 13864509 O 11/01/33 0 8839136 N67/G02 F 50,100.00 ZZ 360 50,055.79 1 6.625 320.80 69 6.375 320.80 PORT CHARLOTTE FL 33952 5 10/31/03 00 0436937718 05 12/01/03 0 1161006149 N 11/01/33 0 8839152 N67/G02 F 94,400.00 ZZ 360 94,326.36 1 7.250 643.97 80 7.000 643.97 ALBUQUERQUE NM 87114 1 10/14/03 00 0436937791 05 12/01/03 0 1161006185 O 11/01/33 0 8839464 N67/G02 F 40,800.00 ZZ 360 40,769.72 1 7.500 285.28 80 7.250 285.28 SUNRISE FL 33322 1 10/30/03 00 0436938500 01 12/01/03 0 3254008665 O 11/01/33 0 8839502 N67/G02 F 114,800.00 ZZ 360 114,691.08 1 6.250 706.84 80 6.000 706.84 NASHVILLE TN 37221 1 10/31/03 00 0436938708 05 12/01/03 0 3254009282 O 11/01/33 0 8839700 E22/G02 F 100,000.00 ZZ 360 100,000.00 2 6.625 640.31 33 6.375 640.31 1 BROOKLYN NY 11207 5 11/05/03 00 0418289708 05 01/01/04 0 0418289708 N 12/01/33 0 8839752 E22/G02 F 130,500.00 ZZ 360 130,500.00 2 6.375 814.15 90 6.125 814.15 CHICAGO IL 60636 1 11/05/03 04 0418496170 05 01/01/04 25 0418496170 N 12/01/33 0 8839892 E22/G02 F 392,000.00 ZZ 360 392,000.00 1 6.125 2,381.83 80 5.875 2,381.83 GRANADA HILLS CA 91344 1 10/30/03 00 0418552030 05 01/01/04 0 0418552030 O 12/01/33 0 8839906 N67/G02 F 396,000.00 ZZ 360 395,282.08 1 6.500 2,502.99 80 6.250 2,502.99 SANTA CRUZ CA 95062 1 09/25/03 00 0436939920 05 11/01/03 0 1165002868 O 10/01/33 0 8839926 E22/G02 F 127,500.00 ZZ 360 127,400.54 3 7.250 869.77 75 7.000 869.77 FORT LAUDERDALE FL 33311 1 11/05/03 00 0418599650 05 12/01/03 0 0418599650 N 11/01/33 0 8839928 N67/G02 F 75,600.00 ZZ 360 75,459.58 1 6.375 471.65 80 6.125 471.65 LYNNWOOD WA 98036 1 09/30/03 00 0436940027 01 11/01/03 0 1165002881 O 10/01/33 0 1 8839948 K15/G02 F 235,000.00 ZZ 240 234,491.39 1 6.000 1,683.61 50 5.750 1,683.61 WANTAGH NY 11793 5 10/27/03 00 0436900153 05 12/01/03 0 011205523331 O 11/01/23 0 8839986 N67/G02 F 103,840.00 ZZ 360 103,759.00 1 7.250 708.37 80 7.000 708.37 WARREN MI 48092 1 10/17/03 00 0436940332 05 12/01/03 0 1165002922 O 11/01/33 0 8840170 N67/G02 F 117,900.00 T 360 117,691.38 1 6.625 754.93 80 6.375 754.93 FORT MYERS FL 33912 1 09/29/03 00 0436941447 01 11/01/03 0 3255004643 O 10/01/33 0 8840188 E22/G02 F 54,000.00 ZZ 360 53,951.18 1 6.500 341.32 100 6.250 341.32 MONTGOMERY AL 36108 1 11/05/03 10 0418679676 05 12/01/03 35 0418679676 O 11/01/33 0 8840446 N67/G02 F 251,000.00 ZZ 360 250,737.94 2 5.750 1,464.77 52 5.500 1,464.77 FOUNTAIN VALLEY CA 92708 5 10/15/03 00 0436942643 05 12/01/03 0 1781007513 O 11/01/33 0 8840470 N67/G02 F 54,000.00 ZZ 360 53,951.18 1 1 6.500 341.32 75 6.250 341.32 TAMARAC FL 33319 1 10/24/03 00 0436942742 01 12/01/03 0 3254008824 O 11/01/33 0 8840482 N67/G02 F 290,300.00 ZZ 360 289,989.65 1 5.625 1,671.13 55 5.375 1,671.13 SEATTLE WA 98103 5 10/21/03 00 0436942817 05 12/01/03 0 1781007560 O 11/01/33 0 8840504 N67/G02 F 300,000.00 ZZ 360 299,663.84 1 5.375 1,679.91 80 5.125 1,679.91 LAKE FOREST PAR WA 98155 1 10/21/03 00 0436942890 05 12/01/03 0 1781007566 O 11/01/33 0 8840554 N67/G02 F 101,500.00 ZZ 360 101,420.82 1 7.250 692.41 50 7.000 692.41 MARICOPA AZ 85239 1 10/24/03 00 0436943179 03 12/01/03 0 1781007591 O 11/01/33 0 8840560 E22/G02 F 122,400.00 ZZ 360 122,286.63 1 6.375 763.62 80 6.125 763.62 TEMPE AZ 85281 1 10/30/03 00 0418841144 05 12/01/03 0 0418841144 O 11/01/33 0 8840608 E22/G02 F 134,400.00 ZZ 360 134,259.68 1 5.750 784.32 77 5.500 784.32 EDWARDSVILLE AL 36261 5 10/31/03 00 0418750543 05 12/01/03 0 1 0418750543 O 11/01/33 0 8840748 N67/G02 F 107,300.00 ZZ 360 107,218.36 1 7.375 741.09 70 7.125 741.09 GROVELAND FL 34736 1 10/31/03 00 0436944045 03 12/01/03 0 3254009019 N 11/01/33 0 8840762 E22/G02 F 333,000.00 ZZ 360 332,698.96 1 6.500 2,104.79 72 6.250 2,104.79 AURORA CO 80016 2 10/31/03 00 0418768933 03 12/01/03 0 0418768933 O 11/01/33 0 8840810 E22/G02 F 100,000.00 ZZ 360 99,915.99 2 6.875 656.93 67 6.625 656.93 SHAKER HEIGHTS OH 44120 5 10/31/03 00 0418775110 05 12/01/03 0 0418775110 N 11/01/33 0 8840828 E22/G02 F 130,000.00 ZZ 360 129,831.29 1 6.625 832.40 58 6.375 832.40 GLADWIN MI 48624 5 10/31/03 00 0418778411 05 12/01/03 0 0418778411 O 11/01/33 0 8840834 E22/G02 F 327,750.00 ZZ 360 327,446.44 1 6.375 2,044.73 95 6.125 2,044.73 ATLANTA GA 30317 1 11/04/03 01 0418778718 05 12/01/03 30 0418778718 O 11/01/33 0 1 8840868 E22/G02 F 52,250.00 ZZ 360 52,209.24 1 7.250 356.44 95 7.000 356.44 SCIENCE HILL KY 42553 5 10/31/03 01 0418786398 05 12/01/03 30 0418786398 O 11/01/33 0 8840898 L20/G02 F 618,750.00 ZZ 360 618,217.27 1 6.750 4,013.20 75 6.500 4,013.20 CHANDLER AZ 85249 2 10/10/03 00 0436897169 05 12/01/03 0 1181060104 O 11/01/33 0 8840900 N67/G02 F 54,600.00 ZZ 360 54,558.45 1 7.375 377.11 70 7.125 377.11 PHOENIX AZ 85041 1 10/30/03 00 0436945059 05 12/01/03 0 1781007851 N 11/01/33 0 8840946 E22/G02 F 198,000.00 ZZ 360 198,000.00 1 6.500 1,251.49 90 6.250 1,251.49 VACAVILLE CA 95687 1 10/31/03 04 0418803607 03 01/01/04 30 0418803607 N 12/01/33 0 8841030 N67/G02 F 482,000.00 ZZ 360 481,434.11 1 5.125 2,624.43 57 4.875 2,624.43 RANCHO PALOS VE CA 90275 2 10/10/03 00 0436945687 05 12/01/03 0 1785004774 O 11/01/33 0 8841040 N67/G02 F 425,600.00 ZZ 360 425,328.61 1 8.250 3,197.39 80 8.000 3,197.39 1 SUNNY ISLES FL 33160 1 10/31/03 00 0436945745 01 12/01/03 0 3254009176 N 11/01/33 0 8841044 N67/G02 F 128,000.00 T 360 127,859.90 1 5.500 726.77 34 5.250 726.77 CARLSBAD CA 92009 2 10/10/03 00 0436945760 01 12/01/03 0 1785004794 O 11/01/33 0 8841068 N67/G02 F 181,500.00 ZZ 360 181,296.62 1 5.375 1,016.35 58 5.125 1,016.35 BILLERICA MA 01821 5 10/07/03 00 0436945950 05 12/01/03 0 1785004811 O 11/01/33 0 8841074 N67/G02 F 130,000.00 ZZ 360 129,843.80 1 5.000 697.87 39 4.750 697.87 DANBURY CT 06811 2 10/09/03 00 0436945992 05 12/01/03 0 1785004833 O 11/01/33 0 8841092 N67/G02 F 343,000.00 ZZ 360 342,633.31 2 5.625 1,974.50 50 5.375 1,974.50 HARRISON NY 10528 5 10/15/03 00 0436946115 05 12/01/03 0 1785004864 O 11/01/33 0 8841282 N67/G02 F 181,500.00 ZZ 360 181,347.51 1 6.875 1,192.33 80 6.625 1,192.33 CARY NC 27511 1 10/30/03 00 0436947030 05 12/01/03 0 3252006067 O 11/01/33 0 1 8841352 N67/G02 F 59,500.00 ZZ 360 59,452.42 1 7.125 400.86 70 6.875 400.86 WARREN MI 48089 5 10/27/03 00 0436947329 05 12/01/03 0 3264002796 N 11/01/33 0 8841368 E22/G02 F 71,200.00 ZZ 360 71,138.70 1 6.750 461.80 80 6.500 461.80 NEW IBERIA LA 70560 5 10/31/03 00 0418980744 05 12/01/03 0 0418980744 O 11/01/33 0 8841398 N67/G02 F 90,000.00 ZZ 360 89,926.23 3 7.000 598.77 75 6.750 598.77 PHILADELPHIA PA 19147 1 10/30/03 00 0436947477 05 12/01/03 0 3264002825 N 11/01/33 0 8841408 E22/G02 F 288,000.00 ZZ 360 288,000.00 1 6.375 1,796.75 80 6.125 1,796.75 HAYWARD CA 94544 5 10/30/03 00 0419005186 05 01/01/04 0 0419005186 O 12/01/33 0 8841416 M18/G02 F 328,000.00 ZZ 360 328,000.00 2 6.750 2,127.40 80 6.500 2,127.40 GLENDALE CA 91205 1 10/24/03 00 0436912950 05 01/01/04 0 980102707 O 12/01/33 0 8841974 N67/G02 F 89,900.00 ZZ 360 89,816.73 1 1 6.375 560.86 73 6.125 560.86 CHESAPEAKE VA 23325 5 10/24/03 00 0436948897 05 12/01/03 0 3274013166 O 11/01/33 0 8842134 N67/G02 F 110,000.00 ZZ 360 109,887.85 1 5.875 650.69 49 5.625 650.69 NEPTUNE NJ 07753 5 10/24/03 00 0436949150 01 12/01/03 0 3261005741 O 11/01/33 0 8842140 N67/G02 F 226,000.00 ZZ 360 225,758.40 3 5.625 1,300.98 50 5.375 1,300.98 BROOKLYN NY 11214 2 10/20/03 00 0436949176 05 12/01/03 0 3261005742 O 11/01/33 0 8842210 N67/G02 F 363,600.00 ZZ 360 363,255.00 2 6.250 2,238.75 80 6.000 2,238.75 OZONE PARK NY 11416 1 10/24/03 00 0436949382 05 12/01/03 0 3274013298 O 11/01/33 0 8842414 N67/G02 F 264,000.00 ZZ 360 263,778.21 1 6.875 1,734.29 80 6.625 1,734.29 ROOSEVELT NY 11575 1 10/31/03 00 0436950166 05 12/01/03 0 3274013493 O 11/01/33 0 8842422 N67/G02 F 115,200.00 ZZ 360 115,098.36 1 6.625 737.64 80 6.375 737.64 ROMEOVILLE IL 60446 1 10/30/03 00 0436950216 03 12/01/03 0 1 3262007409 O 11/01/33 0 8842478 N67/G02 F 79,950.00 ZZ 360 79,887.63 1 7.250 545.40 80 7.000 545.40 PLAINVILLE CT 06062 1 10/24/03 00 0436950448 05 12/01/03 0 3274013538 O 11/01/33 0 8842552 N67/G02 F 195,500.00 ZZ 360 195,309.98 2 6.125 1,187.88 55 5.875 1,187.88 REVERE MA 02151 5 10/17/03 00 0436950760 05 12/01/03 0 3274013581 O 11/01/33 0 8842652 N67/G02 F 105,000.00 ZZ 360 104,913.93 2 7.000 698.57 57 6.750 698.57 LAKEWOOD OH 44107 5 10/30/03 00 0436951149 05 12/01/03 0 3262007651 N 11/01/33 0 8842660 N67/G02 F 84,800.00 ZZ 360 84,733.84 1 7.250 578.49 80 7.000 578.49 WYANDOTTE MI 48192 1 10/31/03 00 0436951180 05 12/01/03 0 3262007679 O 11/01/33 0 8843192 408/G02 F 116,900.00 ZZ 360 116,819.55 2 7.875 847.61 70 7.625 847.61 BLUE SPRINGS MO 64015 5 10/31/03 00 0436980403 05 12/01/03 0 703039293 N 11/01/33 0 1 8843766 408/G02 F 133,950.00 ZZ 360 133,845.50 1 7.250 913.78 95 7.000 913.78 BLUE SPRINGS MO 64015 2 10/16/03 10 0436934244 05 12/01/03 30 703039409 O 11/01/33 0 8844498 H58/G02 F 612,000.00 ZZ 360 610,290.46 1 6.375 3,818.08 80 6.125 3,818.08 DANA POINT CA 92624 1 08/25/03 00 0436887384 01 10/01/03 0 186357 O 09/01/33 0 8844534 H58/G02 F 136,000.00 ZZ 360 135,629.03 1 6.500 859.61 80 6.250 859.61 PALMDALE CA 93550 5 08/25/03 00 0436902134 05 10/01/03 0 183373 O 09/01/33 0 8844536 H58/G02 F 411,850.00 ZZ 360 411,266.77 1 7.750 2,950.54 90 7.500 2,950.54 SALINAS CA 93906 1 09/25/03 01 0436990808 05 11/01/03 25 192586 O 10/01/33 0 8844538 H58/G02 F 121,000.00 ZZ 360 120,810.65 1 7.250 825.43 73 7.000 825.43 CHILCOOT CA 96105 2 09/24/03 00 0436894679 05 11/01/03 0 165041 O 10/01/33 0 8844546 H58/G02 F 152,000.00 ZZ 360 151,762.13 1 7.250 1,036.91 95 7.000 1,036.91 1 FRESNO CA 93722 1 09/24/03 01 0436887798 05 11/01/03 30 191630 O 10/01/33 0 8844550 H58/G02 F 111,000.00 ZZ 360 110,817.49 1 7.000 738.49 61 6.750 738.49 PORTLAND OR 97217 5 09/24/03 00 0436890990 05 11/01/03 0 191843 O 10/01/33 0 8844554 H58/G02 F 115,000.00 ZZ 360 114,801.41 1 6.750 745.89 55 6.500 745.89 CERES CA 95307 1 09/22/03 00 0436887442 05 11/01/03 0 190303 O 10/01/33 0 8844560 H58/G02 F 300,000.00 ZZ 360 299,481.97 1 6.750 1,945.79 69 6.500 1,945.79 TACOMA WA 98407 5 09/05/03 00 0436894752 05 11/01/03 0 186876 O 10/01/33 0 8844572 H58/G02 F 264,000.00 ZZ 360 263,521.39 1 6.500 1,668.66 51 6.250 1,668.66 LOS ANGELES CA 90291 2 09/22/03 00 0436894521 05 11/01/03 0 181705 N 10/01/33 0 8844580 H58/G02 F 231,200.00 ZZ 360 230,790.91 1 6.625 1,480.40 80 6.375 1,480.40 POLLOCK PINES CA 95726 1 09/22/03 00 0436888051 05 11/01/03 0 191149 O 10/01/33 0 1 8844606 H58/G02 F 650,000.00 ZZ 360 648,821.60 1 6.500 4,108.44 78 6.250 4,108.44 ORINDA CA 94563 1 09/23/03 00 0436887988 05 11/01/03 0 191182 O 10/01/33 0 8844612 H58/G02 F 73,600.00 ZZ 360 73,469.76 1 6.625 471.27 80 6.375 471.27 VISALIA CA 93292 1 09/25/03 00 0436894489 03 11/01/03 0 193369 O 10/01/33 0 8844902 E22/G02 F 468,000.00 ZZ 360 468,000.00 1 6.250 2,881.56 76 6.000 2,881.56 SAN BRUNO CA 94066 2 10/29/03 00 0417928496 05 01/01/04 0 0417928496 O 12/01/33 0 8844904 E22/G02 F 74,700.00 ZZ 360 74,634.10 1 6.625 478.31 90 6.375 478.31 AUGUSTA GA 30906 2 10/24/03 10 0418032694 05 12/01/03 25 0418032694 N 11/01/33 0 8844906 E22/G02 F 329,000.00 ZZ 360 329,000.00 1 6.750 2,133.89 75 6.500 2,133.89 DENVER CO 80209 2 11/06/03 00 0418044319 05 01/01/04 0 0418044319 N 12/01/33 0 8844930 E22/G02 F 74,000.00 ZZ 360 73,793.13 1 1 6.375 461.66 79 6.125 461.66 DANDRIDGE TN 37725 5 10/31/03 00 0418429858 05 12/01/03 0 0418429858 O 11/01/33 0 8845018 E22/G02 F 103,500.00 ZZ 360 103,500.00 2 6.875 679.92 90 6.625 679.92 ASHEVILLE NC 28806 1 11/06/03 01 0418722336 05 01/01/04 25 0418722336 N 12/01/33 0 8845034 E22/G02 F 311,000.00 ZZ 360 310,697.73 1 6.125 1,889.67 78 5.875 1,889.67 CHULA VISTA CA 91913 5 10/20/03 00 0418755328 03 12/01/03 0 0418755328 O 11/01/33 0 8845044 E22/G02 F 218,500.00 ZZ 360 218,302.47 1 6.500 1,381.07 95 6.250 1,381.07 CITRUS HEIGHTS CA 95821 1 10/30/03 01 0418765574 05 12/01/03 35 0418765574 O 11/01/33 0 8845048 E22/G02 F 128,000.00 ZZ 360 128,000.00 1 6.625 819.60 77 6.375 819.60 SUMNER WA 98390 2 10/29/03 00 0418780748 03 01/01/04 0 0418780748 N 12/01/33 0 8845118 E22/G02 F 288,000.00 ZZ 360 287,733.25 1 6.375 1,796.75 77 6.125 1,796.75 SIMI VALLEY CA 93063 5 10/24/03 00 0418884235 05 12/01/03 0 1 0418884235 O 11/01/33 0 8845156 E22/G02 F 316,000.00 ZZ 360 316,000.00 1 6.500 1,997.33 80 6.250 1,997.33 SHARON CT 06039 1 11/06/03 00 0418945259 05 01/01/04 0 0418945259 O 12/01/33 0 8845334 E82/G02 F 204,000.00 ZZ 360 204,000.00 1 6.625 1,306.23 51 6.375 1,306.23 SAN FRANCISCO CA 94112 2 10/29/03 00 0400915120 05 01/01/04 0 0400915120 O 12/01/33 0 8845426 Y40/G02 F 300,000.00 ZZ 360 299,701.35 1 6.000 1,798.65 78 5.750 1,798.65 CORONA CA 92880 1 10/16/03 00 0436980148 05 12/01/03 0 51104311 O 11/01/33 0 8845516 196/G02 F 228,000.00 ZZ 360 227,788.25 1 6.375 1,422.43 80 6.125 1,422.43 TRUMBULL CT 06611 1 10/24/03 00 0437021389 05 12/01/03 0 1699032 O 11/01/33 0 8845518 196/G02 F 135,200.00 ZZ 360 135,080.71 1 6.625 865.71 80 6.375 865.71 CANTERBURY NH 03224 5 10/27/03 00 0437021041 05 12/01/03 0 1699316 O 11/01/33 0 1 8845520 196/G02 F 450,000.00 ZZ 360 449,541.20 1 5.875 2,661.93 75 5.625 2,661.93 BREA CA 92821 5 10/06/03 00 0437020928 05 12/01/03 0 1704252 O 11/01/33 0 8845522 196/G02 F 331,050.00 ZZ 360 330,798.09 1 7.375 2,286.49 95 7.125 2,286.49 HUNTINGTON STAT NY 11746 1 10/15/03 10 0437021124 05 12/01/03 30 1715612 O 11/01/33 0 8845524 196/G02 F 480,250.00 ZZ 360 479,794.31 1 6.250 2,956.99 85 6.000 2,956.99 HAMDEN CT 06518 1 10/22/03 12 0437013048 05 12/01/03 12 1721818 O 11/01/33 0 8845526 196/G02 F 532,000.00 ZZ 360 531,482.93 1 6.125 3,232.49 76 5.875 3,232.49 WASHINGTON DC 20015 2 10/29/03 00 0437021199 05 12/01/03 0 1722479 O 11/01/33 0 8845806 U37/U37 F 437,500.00 ZZ 360 437,123.32 1 6.750 2,837.62 76 6.500 2,837.62 ATASCADERO CA 93422 5 10/15/03 00 8900012398 05 12/01/03 0 8900012398 O 11/01/33 0 8846326 758/G02 F 120,000.00 TX 360 119,894.13 1 6.625 768.37 79 6.375 768.37 1 MONTGOMERY TX 77356 5 10/27/03 00 0436922918 09 12/01/03 0 331369 O 11/01/33 0 8847542 G34/G02 F 138,800.00 ZZ 360 138,689.01 2 7.125 935.12 80 6.875 935.12 BEDFORD TX 76021 1 10/30/03 00 0436978357 05 12/01/03 0 47010908 N 11/01/33 0 8847692 P34/G02 F 205,200.00 ZZ 360 205,014.49 1 6.500 1,297.01 85 6.250 1,297.01 HAMILTON NJ 08610 5 10/16/03 11 0437005531 05 12/01/03 12 16667 O 11/01/33 0 8848126 P44/G02 F 192,000.00 ZZ 360 192,000.00 1 6.250 1,182.18 80 6.000 1,182.18 MASHPEE MA 02649 5 10/28/03 00 0436899546 05 01/01/04 0 1 O 12/01/33 0 8848202 T23/G02 F 65,600.00 ZZ 360 65,554.85 1 7.875 475.65 80 7.625 475.65 CHILLICOTHE OH 45601 2 11/05/03 00 0436896120 01 12/05/03 0 6998 N 11/05/33 0 8848258 S27/G02 F 183,750.00 ZZ 360 183,750.00 1 6.625 1,176.57 75 6.375 1,176.57 LAKE MARY FL 32746 5 10/30/03 00 0436916639 03 01/01/04 0 1010034150 O 12/01/33 0 1 8848446 T23/G02 F 60,000.00 ZZ 360 60,000.00 1 6.750 389.16 72 6.500 389.16 CANTON OH 44708 2 11/05/03 00 0436926430 05 01/01/04 0 7033 N 12/01/33 0 8848764 Q87/G02 F 70,400.00 TX 360 70,342.18 1 6.990 467.90 73 6.740 467.90 KAUFMAN TX 75142 5 10/30/03 00 0437065105 05 12/04/03 0 BOJA01 O 11/04/33 0 8849564 Y21/G02 F 350,000.00 ZZ 360 349,683.59 1 6.500 2,212.24 80 6.250 2,212.24 BOWIE MD 20715 5 10/08/03 00 0436936405 03 12/01/03 0 203712561 O 11/01/33 0 8849748 W93/G02 F 419,000.00 ZZ 360 418,621.21 1 6.500 2,648.37 80 6.250 2,648.37 SAN DIEGO CA 92128 5 10/17/03 00 0436928931 03 12/01/03 0 28485784 O 11/01/33 0 8849752 W93/G02 F 225,000.00 ZZ 360 224,820.07 1 7.125 1,515.87 75 6.875 1,515.87 LAKEWOOD CO 80228 5 10/23/03 00 0436935332 05 12/01/03 0 30508542 O 11/01/33 0 8849774 W93/G02 F 116,400.00 ZZ 360 116,309.19 1 1 7.250 794.06 80 7.000 794.06 SCOTTSDALE AZ 85251 1 10/22/03 00 0436935209 05 12/01/03 0 35493323 N 11/01/33 0 8849812 W93/G02 F 283,200.00 ZZ 360 282,943.98 1 6.500 1,790.02 80 6.250 1,790.02 SANTA FE NM 87508 2 10/23/03 00 0436931323 03 12/01/03 0 35513198 O 11/01/33 0 8849824 W93/G02 F 199,500.00 T 360 199,344.37 1 7.250 1,360.94 70 7.000 1,360.94 BANDON OR 97411 1 10/13/03 00 0436909188 05 12/01/03 0 37505039 O 11/01/33 0 8849836 W93/G02 F 206,150.00 T 360 205,976.81 1 6.875 1,354.26 75 6.625 1,354.26 VAIL AZ 85641 1 10/27/03 00 0437048309 05 12/01/03 0 55508668 O 11/01/33 0 8849848 W93/G02 F 82,500.00 ZZ 360 82,423.58 1 6.375 514.70 75 6.125 514.70 BOULEVARD CA 91905 1 10/21/03 00 0436934665 05 12/01/03 0 72507461 N 11/01/33 0 8849852 W93/G02 F 55,250.00 ZZ 360 55,203.58 1 6.875 362.96 74 6.625 362.96 BOULEVARD CA 91905 1 10/17/03 00 0436920029 05 12/01/03 0 1 72507462 N 11/01/33 0 8850006 H49/G02 F 44,650.00 ZZ 360 44,618.48 1 7.750 319.88 95 7.500 319.88 TOPEKA KS 66606 5 10/21/03 11 0437032931 05 12/01/03 30 533128 O 11/01/33 0 8850008 K15/G02 F 152,000.00 ZZ 360 151,862.59 1 6.500 960.74 83 6.250 960.74 SHIRLEY NY 11967 5 10/21/03 41 0436916803 05 12/01/03 12 020805523013 O 11/01/33 0 8850012 K15/G02 F 115,200.00 ZZ 360 115,112.34 1 7.375 795.66 90 7.125 795.66 O'FALLON MO 63366 5 10/27/03 41 0437019573 05 12/01/03 25 001405523516 O 11/01/33 0 8850052 K15/G02 F 128,000.00 ZZ 360 127,905.01 1 7.500 894.99 90 7.250 894.99 ARLINGTON VT 05250 5 10/27/03 41 0437019391 05 12/01/03 25 037105512905 O 11/01/33 0 8850134 S43/G02 F 161,405.00 ZZ 360 161,259.09 1 6.500 1,020.19 95 6.250 1,020.19 ALBUQUERQUE NM 87120 1 10/30/03 04 0436916951 05 12/01/03 30 181030039800 O 11/01/33 0 1 8850136 K60/G02 F 59,200.00 ZZ 360 59,149.03 1 6.750 383.97 80 6.500 383.97 SILVIS IL 61282 5 10/27/03 00 0436927990 05 12/01/03 0 0001069061 O 11/01/33 0 8850238 U05/G02 F 395,950.00 T 360 395,592.06 1 6.500 2,502.67 90 6.250 2,502.67 RIVERSIDE CA 92504 1 10/13/03 04 0436966311 05 12/01/03 25 3406738 O 11/01/33 0 8850290 Q14/G02 F 167,000.00 ZZ 360 167,000.00 1 6.875 1,097.07 95 6.625 1,097.07 CEDAR RAPIDS IA 52402 2 11/04/03 01 0436903553 05 01/01/04 30 00003-16471 O 12/01/33 0 8850330 N47/G02 F 68,000.00 ZZ 360 68,000.00 1 6.750 441.05 80 6.500 441.05 TACOMA WA 98418 1 11/03/03 00 0437003585 05 01/01/04 0 60500655 N 12/01/33 0 8850410 E82/G02 F 110,200.00 ZZ 360 110,200.00 2 6.875 723.94 85 6.625 723.94 EL PASO TX 79935 2 11/06/03 04 0400917837 05 01/01/04 20 0400917837 N 12/01/33 0 8850688 738/G02 F 322,700.00 ZZ 360 322,700.00 1 6.375 2,013.23 24 6.125 2,013.23 1 ATLANTA GA 30339 5 10/28/03 00 0436910731 05 01/01/04 0 41481789 O 12/01/33 0 8850710 Q30/G02 F 275,000.00 ZZ 360 274,751.39 1 6.500 1,738.19 78 6.250 1,738.19 RONKONKOMA NY 11779 5 10/28/03 00 0436978662 05 12/01/03 0 32012809 O 11/01/33 0 8850746 738/G02 F 100,000.00 ZZ 360 99,907.38 1 6.375 623.87 63 6.125 623.87 SAN ANTONIO TX 78230 1 10/30/03 00 0436910574 05 12/01/03 0 41539343 O 11/01/33 0 8850754 Y44/G02 F 207,100.00 ZZ 360 206,938.44 1 7.250 1,412.79 95 7.000 1,412.79 POMONA CA 91767 5 10/21/03 10 0436954713 05 12/01/03 30 122834601 O 11/01/33 0 8850774 E22/G02 F 116,910.00 ZZ 360 116,787.93 1 5.750 682.26 88 5.500 682.26 BOZEMAN MT 59718 2 11/04/03 01 0417747979 01 12/01/03 25 0417747979 O 11/01/33 0 8850778 E22/G02 F 205,000.00 ZZ 360 205,000.00 1 6.625 1,312.64 69 6.375 1,312.64 WESTPORT MA 02790 5 11/03/03 00 0417974342 05 01/01/04 0 0417974342 O 12/01/33 0 1 8850806 E22/G02 F 61,640.00 ZZ 360 61,590.71 1 7.125 415.28 80 6.875 415.28 HARVEY LA 70058 1 11/07/03 00 0418369344 05 12/01/03 0 0418369344 N 11/01/33 0 8850842 E22/G02 F 476,800.00 ZZ 360 476,800.00 1 6.500 3,013.70 80 6.250 3,013.70 GOLD BAR WA 98251 1 10/28/03 00 0418889150 05 01/01/04 0 0418889150 O 12/01/33 0 8850858 E22/G02 F 286,200.00 ZZ 360 286,200.00 1 6.875 1,880.13 90 6.625 1,880.13 CARTERET NJ 07008 1 11/07/03 04 0418899019 05 01/01/04 25 0418899019 O 12/01/33 0 8850860 E22/G02 F 166,000.00 ZZ 360 166,000.00 1 6.750 1,076.67 83 6.500 1,076.67 LAKEWOOD CO 80226 5 11/03/03 01 0418899506 05 01/01/04 12 0418899506 O 12/01/33 0 8850870 E22/G02 F 50,000.00 ZZ 360 50,000.00 1 6.250 307.86 35 6.000 307.86 ARDMORE OK 73401 1 11/07/03 00 0418914198 05 01/01/04 0 0418914198 O 12/01/33 0 8850898 E22/G02 F 51,600.00 ZZ 360 51,600.00 1 1 6.750 334.68 80 6.500 334.68 KANSAS CITY MO 64131 2 11/07/03 00 0418541132 05 01/01/04 0 0418541132 N 12/01/33 0 8850902 E22/G02 F 159,200.00 ZZ 360 159,200.00 1 6.000 954.48 80 5.750 954.48 GILBERT AZ 85233 1 11/04/03 00 0418552287 03 01/01/04 0 0418552287 O 12/01/33 0 8850918 E22/G02 F 117,200.00 ZZ 360 117,091.45 1 6.375 731.18 80 6.125 731.18 FERNDALE MI 48220 1 11/07/03 00 0418600938 05 12/01/03 0 0418600938 O 11/01/33 0 8850970 E22/G02 F 93,750.00 ZZ 360 93,750.00 1 6.500 592.56 75 6.250 592.56 CHARLOTTE NC 28226 2 11/07/03 00 0418696399 05 01/01/04 0 0418696399 N 12/01/33 0 8850974 E22/G02 F 491,200.00 ZZ 360 491,200.00 1 6.250 3,024.40 80 6.000 3,024.40 VENICE(LA) CA 90291 1 11/03/03 00 0418705695 05 01/01/04 0 0418705695 O 12/01/33 0 8850996 E22/G02 F 180,000.00 ZZ 360 180,000.00 3 6.750 1,167.48 75 6.500 1,167.48 WEST HARTFORD CT 06119 1 11/07/03 00 0418722435 05 01/01/04 0 1 0418722435 N 12/01/33 0 8850998 E22/G02 F 55,200.00 ZZ 360 55,200.00 1 6.500 348.90 80 6.250 348.90 NATIONAL CITY MI 48748 5 11/03/03 00 0418724118 05 01/01/04 0 0418724118 O 12/01/33 0 8851000 Y21/G02 F 431,500.00 ZZ 360 431,090.58 1 6.250 2,656.82 80 6.000 2,656.82 CARLSBAD CA 92008 5 10/14/03 00 0436933774 05 12/01/03 0 203833295 O 11/01/33 0 8851060 E22/G02 F 60,000.00 ZZ 360 60,000.00 1 6.750 389.16 60 6.500 389.16 BATON ROUGE LA 70806 5 11/07/03 00 0418740684 05 01/01/04 0 0418740684 N 12/01/33 0 8851064 E22/G02 F 167,000.00 ZZ 360 166,841.54 1 6.250 1,028.25 78 6.000 1,028.25 FORT LAUDERDALE FL 33308 5 11/03/03 00 0418744496 08 12/01/03 0 0418744496 O 11/01/33 0 8851072 E22/G02 F 85,250.00 ZZ 360 85,250.00 1 6.250 524.90 78 6.000 524.90 SUGAR LAND TX 77478 2 11/04/03 00 0418750030 03 01/01/04 0 0418750030 N 12/01/33 0 1 8851130 E22/G02 F 284,000.00 ZZ 360 284,000.00 4 6.500 1,795.07 80 6.250 1,795.07 FERNLEY NV 89408 1 10/31/03 00 0418811402 05 01/01/04 0 0418811402 N 12/01/33 0 8851142 E22/G02 F 78,800.00 ZZ 360 78,800.00 1 6.500 498.07 80 6.250 498.07 BIRMINGHAM AL 35215 1 11/07/03 00 0418817755 05 01/01/04 0 0418817755 N 12/01/33 0 8851170 E22/G02 F 90,000.00 ZZ 360 90,000.00 2 6.000 539.60 90 5.750 539.60 SAINT LOUIS MO 63118 1 11/07/03 01 0418837456 05 01/01/04 30 0418837456 N 12/01/33 0 8851174 E22/G02 F 54,000.00 ZZ 360 53,961.89 1 7.750 386.86 90 7.500 386.86 CHUNCHULA AL 36521 5 11/03/03 10 0418839742 05 12/01/03 25 0418839742 O 11/01/33 0 8851192 E22/G02 F 57,600.00 ZZ 360 57,600.00 1 6.750 373.59 80 6.500 373.59 CALDWELL ID 83605 2 11/04/03 00 0418849824 05 01/01/04 0 0418849824 N 12/01/33 0 8851278 E22/G02 F 104,300.00 ZZ 360 104,300.00 1 6.875 685.18 90 6.625 685.18 1 ROUND LAKE BEAC IL 60073 1 11/07/03 04 0418881637 05 01/01/04 25 0418881637 N 12/01/33 0 8851326 E22/G02 F 387,250.00 TX 360 387,250.00 1 6.375 2,415.94 80 6.125 2,415.94 AUSTIN TX 78731 5 11/07/03 00 0418926960 03 01/01/04 0 0418926960 O 12/01/33 0 8851372 E22/G02 F 86,000.00 ZZ 360 86,000.00 1 6.250 529.52 86 6.000 529.52 CLEBURNE TX 76033 1 11/07/03 01 0418945275 05 01/01/04 25 0418945275 O 12/01/33 0 8851390 E22/G02 F 86,400.00 TX 360 86,400.00 1 6.500 546.11 80 6.250 546.11 DALLAS TX 75228 5 11/03/03 00 0418954236 05 01/01/04 0 0418954236 O 12/01/33 0 8851414 E22/G02 F 67,500.00 ZZ 360 67,500.00 1 5.875 399.29 90 5.625 399.29 SAN BERNARDINO CA 92404 1 10/30/03 11 0418979225 01 01/01/04 25 0418979225 N 12/01/33 0 8851422 E22/G02 F 148,300.00 ZZ 360 148,300.00 1 6.000 889.13 79 5.750 889.13 AURORA CO 80011 5 11/03/03 00 0418997383 05 01/01/04 0 0418997383 O 12/01/33 0 1 8851540 758/G02 F 176,000.00 ZZ 360 175,828.94 1 6.125 1,069.39 80 5.875 1,069.39 FORT COLLINS CO 80526 5 10/29/03 00 0437019763 05 12/01/03 0 613875 O 11/01/33 0 8851542 Y21/G02 F 625,000.00 ZZ 360 624,421.12 1 6.375 3,899.19 70 6.125 3,899.19 SAN MATEO CA 94402 2 10/16/03 00 0436915854 03 12/01/03 0 203857721 O 11/01/33 0 8851574 N74/G02 F 179,000.00 ZZ 360 178,821.80 1 6.000 1,073.20 80 5.750 1,073.20 HIGH POINT NC 27265 1 10/30/03 00 0436962880 03 12/01/03 0 0033661011 O 11/01/33 0 8851595 R68/G02 F 234,000.00 ZZ 360 233,783.27 1 6.375 1,459.86 90 6.125 1,459.86 DANIA FL 33004 1 10/31/03 04 0436891303 05 12/01/03 25 8460435 O 11/01/33 0 8851662 Y21/G02 F 132,000.00 ZZ 360 131,880.67 1 6.500 834.33 80 6.250 834.33 ST PAUL MN 55116 1 10/17/03 00 0436917363 05 12/01/03 0 203839412 O 11/01/33 0 8851674 W08/G02 F 70,000.00 ZZ 360 70,000.00 1 1 6.750 454.02 26 6.500 454.02 MIAMI FL 33018 5 11/05/03 00 0436932586 03 01/01/04 0 034246MG O 12/01/33 0 8851706 944/G02 F 215,000.00 ZZ 360 214,810.31 1 6.625 1,376.67 80 6.375 1,376.67 CARMICHAEL CA 95608 5 10/28/03 00 0436918866 05 12/01/03 0 W03035166 O 11/01/33 0 8851726 Y21/G02 F 380,000.00 ZZ 360 379,656.47 1 6.500 2,401.86 80 6.250 2,401.86 RIVERVALE TOWNS NJ 07675 1 10/10/03 00 0436927313 05 12/01/03 0 203779801 O 11/01/33 0 8851736 R84/G02 F 650,000.00 ZZ 360 650,000.00 1 6.125 3,949.47 69 5.875 3,949.47 CONROE TX 77302 2 11/03/03 00 0437037823 03 01/01/04 0 783711 O 12/01/33 0 8851874 Y21/G02 F 419,000.00 ZZ 360 418,611.92 1 6.375 2,614.02 80 6.125 2,614.02 BURBANK CA 91506 5 10/01/03 00 0436933568 05 12/01/03 0 203718445 O 11/01/33 0 8852104 U85/G02 F 46,500.00 ZZ 360 46,500.00 1 6.750 301.60 75 6.500 301.60 MILWAUKEE WI 53209 5 11/07/03 00 0436933642 05 01/01/04 0 1 TQS104 N 12/01/33 0 8852146 U85/G02 F 232,100.00 ZZ 360 232,100.00 1 7.375 1,603.06 90 7.125 1,603.06 PARDEEVILLE WI 53954 1 11/07/03 26 0436966196 05 01/01/04 25 TQS292 O 12/01/33 0 8852244 Y21/G02 F 160,000.00 ZZ 360 159,858.83 1 6.625 1,024.50 40 6.375 1,024.50 WEEHAWKIN TOWNS NJ 07086 5 10/22/03 00 0436914121 05 12/01/03 0 203815955 O 11/01/33 0 8852278 X81/G02 F 124,000.00 ZZ 360 123,895.83 3 6.875 814.59 53 6.625 814.59 MINNEAPOLIS MN 55413 5 10/16/03 00 0436932347 05 12/01/03 0 9537511273 O 11/01/33 0 8852290 Y21/G02 F 529,600.00 ZZ 360 529,072.78 1 6.000 3,175.22 63 5.750 3,175.22 MOUNTAIN VIEW CA 94040 5 10/15/03 00 0436912794 03 12/01/03 0 203800133 O 11/01/33 0 8852782 K15/G02 F 80,000.00 ZZ 240 79,826.86 1 6.000 573.14 80 5.750 573.14 CANFIELD OH 44406 5 10/27/03 00 0437019771 05 12/01/03 0 028005513430 O 11/01/23 0 1 8852820 P44/G02 F 235,000.00 ZZ 360 235,000.00 1 6.250 1,446.94 42 6.000 1,446.94 BUZZARDS BAY MA 02532 5 11/03/03 00 0436916217 05 01/01/04 0 1 O 12/01/33 0 8852856 K15/G02 F 117,000.00 ZZ 360 116,904.10 1 7.000 778.40 65 6.750 778.40 ARBUCKLE CA 95912 5 10/27/03 00 0437019839 05 12/01/03 0 038905514683 O 11/01/33 0 8852862 W77/G02 F 63,650.00 ZZ 360 63,602.76 1 7.500 445.05 95 7.250 445.05 FORT WORTH TX 76112 1 10/30/03 01 0436968101 05 12/01/03 30 W0310109 O 11/01/33 0 8852877 N16/G02 F 320,000.00 ZZ 360 319,002.37 1 5.800 1,877.61 57 5.550 1,877.61 HUNTINGTON BEAC CA 92646 5 09/24/03 00 0436674246 05 10/29/03 0 546393358 O 09/29/33 0 8852910 758/G02 F 80,350.00 ZZ 360 80,270.01 1 6.000 481.74 84 5.750 481.74 MISSOURI CITY TX 77459 1 10/28/03 11 0436961189 07 12/01/03 12 303707 O 11/01/33 0 8852932 E86/G02 F 140,800.00 ZZ 360 140,675.77 1 6.625 901.56 80 6.375 901.56 1 LAS VEGAS NV 89147 1 10/14/03 00 0437028533 05 12/01/03 0 415201 O 11/01/33 0 8852958 U05/G02 F 117,200.00 ZZ 360 117,101.54 1 6.875 769.92 80 6.625 769.92 PEORIA AZ 85345 1 11/12/03 00 0436977508 03 12/01/03 0 3436016 N 11/01/33 0 8852964 758/G02 F 193,400.00 ZZ 360 193,074.11 1 6.875 1,270.50 90 6.625 1,270.50 HOUSTON TX 77008 1 09/29/03 04 0437011737 05 11/01/03 25 103827 N 10/01/33 0 8852978 U85/G02 F 110,700.00 ZZ 360 110,700.00 1 7.000 736.49 90 6.750 736.49 DES MOINES IA 50313 1 11/07/03 11 0436925168 05 01/01/04 25 TQSRINDELSPAUL N 12/01/33 0 8853002 U05/G02 F 188,800.00 ZZ 360 188,629.33 1 6.500 1,193.34 77 6.250 1,193.34 PORTLAND OR 97223 5 10/24/03 00 0436936538 05 12/01/03 0 3434938 O 11/01/33 0 8853094 X78/G02 F 139,000.00 ZZ 360 139,000.00 1 7.250 948.23 76 7.000 948.23 DECATUR GA 30034 2 11/06/03 00 0436968788 05 01/01/04 0 990655 O 12/01/33 0 1 8853218 U05/G02 F 84,000.00 TX 360 83,924.06 1 6.500 530.94 80 6.250 530.94 ALLEN TX 75002 5 10/29/03 00 0437017262 05 12/01/03 0 3000380022 O 11/01/33 0 8853510 E86/G02 F 264,000.00 ZZ 360 263,509.66 1 6.375 1,647.02 79 6.125 1,647.02 NANUET NY 10954 5 09/26/03 00 0437020449 01 11/01/03 0 421644 O 10/01/33 0 8853560 U05/G02 F 126,700.00 ZZ 360 126,570.82 1 5.875 749.48 80 5.625 749.48 SAN ANTONIO TX 78247 2 10/24/03 00 0436968879 05 12/01/03 0 3362497 O 11/01/33 0 8853828 E86/G02 F 115,000.00 ZZ 360 114,900.99 1 6.750 745.89 79 6.500 745.89 HENDERSON NV 89015 1 10/23/03 00 0437015704 05 12/01/03 0 435116 N 11/01/33 0 8855126 T44/G02 F 96,800.00 T 360 96,701.31 1 5.875 572.61 80 5.625 572.61 TEHACHAPI CA 93561 1 10/22/03 00 0436901490 05 12/01/03 0 1094879 O 11/01/33 0 8855372 E22/G02 F 58,400.00 ZZ 360 58,400.00 1 1 7.000 388.54 80 6.750 388.54 PUEBLO CO 81004 2 11/10/03 00 0418626487 05 01/01/04 0 0418626487 N 12/01/33 0 8855402 E22/G02 F 84,600.00 ZZ 360 84,600.00 1 6.250 520.90 89 6.000 520.90 LINCOLN NE 68521 2 11/05/03 01 0418670956 07 01/01/04 25 0418670956 O 12/01/33 0 8855406 E22/G02 F 252,000.00 ZZ 360 252,000.00 1 6.000 1,510.87 80 5.750 1,510.87 SANTA ROSA CA 95401 5 11/05/03 00 0418671970 05 01/01/04 0 0418671970 O 12/01/33 0 8855410 E22/G02 F 152,000.00 ZZ 360 152,000.00 1 7.000 1,011.26 83 6.750 1,011.26 CHESTERFIELD VA 23838 5 11/05/03 10 0418675955 05 01/01/04 12 0418675955 O 12/01/33 0 8855436 E22/G02 F 170,000.00 ZZ 360 170,000.00 1 6.500 1,074.52 68 6.250 1,074.52 MISSOULA MT 59802 5 11/04/03 00 0418776183 05 01/01/04 0 0418776183 O 12/01/33 0 8855456 E22/G02 F 74,400.00 ZZ 360 74,400.00 1 6.500 470.26 80 6.250 470.26 PUEBLO CO 81004 2 11/10/03 00 0418798591 05 01/01/04 0 1 0418798591 N 12/01/33 0 8855470 E22/G02 F 112,000.00 ZZ 360 112,000.00 1 6.500 707.92 80 6.250 707.92 TUPELO MS 38801 5 11/04/03 00 0418842951 05 01/01/04 0 0418842951 O 12/01/33 0 8855474 E22/G02 F 238,000.00 ZZ 360 238,000.00 1 6.125 1,446.11 77 5.875 1,446.11 CHESTERFIELD VA 23832 5 11/04/03 00 0418848180 05 01/01/04 0 0418848180 O 12/01/33 0 8855482 E22/G02 F 350,000.00 ZZ 360 350,000.00 1 6.000 2,098.43 72 5.750 2,098.43 MOORPARK CA 93021 5 10/31/03 00 0418849832 05 01/01/04 0 0418849832 O 12/01/33 0 8855496 E22/G02 F 131,000.00 ZZ 360 131,000.00 1 6.500 828.01 57 6.250 828.01 MIAMI FL 33165 2 11/05/03 00 0418860326 05 01/01/04 0 0418860326 O 12/01/33 0 8855516 E22/G02 F 90,000.00 ZZ 360 90,000.00 1 7.000 598.77 83 6.750 598.77 SIMPSONVILLE SC 29680 5 11/05/03 04 0418884193 03 01/01/04 12 0418884193 O 12/01/33 0 1 8855532 E22/G02 F 357,000.00 ZZ 360 357,000.00 2 6.250 2,198.11 74 6.000 2,198.11 ASTORIA NY 11103 5 11/05/03 00 0418896890 05 01/01/04 0 0418896890 O 12/01/33 0 8855538 E22/G02 F 303,700.00 ZZ 360 303,404.83 1 6.125 1,845.31 75 5.875 1,845.31 SAN FRANCISCO CA 94134 1 10/23/03 00 0418897864 05 12/01/03 0 0418897864 O 11/01/33 0 8855546 E22/G02 F 60,000.00 ZZ 360 60,000.00 1 6.625 384.19 48 6.375 384.19 GRANTS PASS OR 97526 1 11/03/03 00 0418902680 05 01/01/04 0 0418902680 O 12/01/33 0 8855558 E22/G02 F 144,000.00 ZZ 360 143,879.02 1 6.875 945.98 88 6.625 945.98 CLEVELAND GA 30528 2 10/31/03 10 0437070774 05 12/01/03 25 0418956371 O 11/01/33 0 8855568 E22/G02 F 144,800.00 ZZ 360 144,800.00 1 6.250 891.56 80 6.000 891.56 RENO NV 89506 1 11/05/03 00 0418963187 05 01/01/04 0 0418963187 N 12/01/33 0 8855574 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 6.500 632.07 80 6.250 632.07 1 HILLSIDE IL 60162 5 11/06/03 00 0418978300 05 01/01/04 0 0418978300 O 12/01/33 0 8855582 E22/G02 F 145,000.00 ZZ 360 145,000.00 3 6.250 892.79 38 6.000 892.79 BOSTON MA 02128 2 11/05/03 00 0418987988 05 01/01/04 0 0418987988 O 12/01/33 0 8855592 E22/G02 F 106,500.00 ZZ 360 106,500.00 1 6.250 655.74 71 6.000 655.74 WEST PALM BEACH FL 33415 2 11/05/03 00 0418998845 05 01/01/04 0 0418998845 O 12/01/33 0 8855622 E22/G02 F 24,375.00 ZZ 360 24,375.00 1 7.500 170.43 75 7.250 170.43 BALTIMORE MD 21224 1 11/10/03 00 0418589107 07 01/01/04 0 0418589107 N 12/01/33 0 8855638 E22/G02 F 142,650.00 ZZ 360 142,650.00 1 6.750 925.23 90 6.500 925.23 GREER SC 29651 5 11/05/03 10 0418599783 05 01/01/04 25 0418599783 O 12/01/33 0 8855688 E22/G02 F 195,200.00 TX 360 195,200.00 1 6.500 1,233.80 80 6.250 1,233.80 CARROLLTON TX 75010 5 11/05/03 00 0418726444 03 01/01/04 0 0418726444 O 12/01/33 0 1 8855714 E22/G02 F 279,750.00 ZZ 360 279,750.00 4 7.000 1,861.18 75 6.750 1,861.18 LOWELL MA 01852 1 11/10/03 00 0418749925 05 01/01/04 0 0418749925 N 12/01/33 0 8855718 E22/G02 F 53,900.00 ZZ 360 53,900.00 3 6.625 345.13 90 6.375 345.13 SPOKANE WA 99201 1 11/04/03 04 0418752465 05 01/01/04 25 0418752465 O 12/01/33 0 8855740 E22/G02 F 176,000.00 ZZ 360 176,000.00 1 6.625 1,126.95 80 6.375 1,126.95 MATTAPAN MA 02126 5 11/04/03 00 0418813804 01 01/01/04 0 0418813804 O 12/01/33 0 8855744 E22/G02 F 123,500.00 ZZ 360 123,500.00 1 6.875 811.31 95 6.625 811.31 GASTONIA NC 28054 2 11/04/03 01 0418815544 05 01/01/04 30 0418815544 O 12/01/33 0 8855746 E22/G02 F 47,405.00 ZZ 360 47,405.00 1 7.500 331.46 95 7.250 331.46 CHESTER SC 29706 1 11/11/03 01 0418817540 05 01/01/04 30 0418817540 O 12/01/33 0 8855754 E22/G02 F 105,600.00 ZZ 360 105,600.00 1 1 6.375 658.81 80 6.125 658.81 PASCO WA 99301 1 11/06/03 00 0418823894 05 01/01/04 0 0418823894 N 12/01/33 0 8855782 E22/G02 F 172,800.00 ZZ 360 172,800.00 1 6.625 1,106.46 90 6.375 1,106.46 EVERETT WA 98208 1 10/30/03 04 0418866018 05 01/01/04 30 0418866018 O 12/01/33 0 8855784 E22/G02 F 76,724.00 ZZ 240 76,724.00 1 6.750 583.38 83 6.500 583.38 HOUSTON TX 77040 2 11/04/03 01 0418866604 03 01/01/04 12 0418866604 O 12/01/23 0 8855796 E22/G02 F 147,200.00 ZZ 240 147,200.00 1 6.500 1,097.48 78 6.250 1,097.48 CONYERS GA 30094 2 11/10/03 00 0418870788 05 01/01/04 0 0418870788 N 12/01/23 0 8855836 E22/G02 F 35,000.00 ZZ 360 35,000.00 1 7.375 241.74 75 7.125 241.74 MEMPHIS TN 38127 5 11/10/03 00 0418927935 05 01/01/04 0 0418927935 N 12/01/33 0 8855852 E22/G02 F 220,000.00 ZZ 360 220,000.00 1 6.125 1,336.74 80 5.875 1,336.74 BOTHELL WA 98011 5 11/03/03 00 0418941043 05 01/01/04 0 1 0418941043 O 12/01/33 0 8855876 E22/G02 F 101,650.00 ZZ 360 101,650.00 1 6.875 667.77 95 6.625 667.77 HOUSTON TX 77088 1 11/06/03 01 0418357927 03 01/01/04 30 0418357927 O 12/01/33 0 8855890 E22/G02 F 189,000.00 ZZ 360 189,000.00 1 6.625 1,210.19 84 6.375 1,210.19 HULL GA 30646 2 11/04/03 04 0418413746 05 01/01/04 12 0418413746 O 12/01/33 0 8855942 E22/G02 F 136,800.00 ZZ 360 136,800.00 1 6.875 898.68 95 6.625 898.68 PALM BEACH GARD FL 33410 5 11/04/03 11 0418684023 05 01/01/04 30 0418684023 O 12/01/33 0 8855946 E22/G02 F 289,500.00 ZZ 360 289,500.00 1 5.875 1,712.50 73 5.625 1,712.50 MAYNARD MA 01754 2 11/05/03 00 0418693297 05 01/01/04 0 0418693297 O 12/01/33 0 8855956 E22/G02 F 184,000.00 ZZ 360 184,000.00 1 6.250 1,132.92 73 6.000 1,132.92 STAMFORD CT 06905 2 11/05/03 00 0418712220 01 01/01/04 0 0418712220 O 12/01/33 0 1 8855968 E22/G02 F 295,000.00 ZZ 360 295,000.00 1 6.375 1,840.42 74 6.125 1,840.42 PALATINE IL 60067 2 11/06/03 00 0418715850 01 01/01/04 0 0418715850 O 12/01/33 0 8855972 E22/G02 F 112,000.00 ZZ 360 112,000.00 1 6.500 707.92 89 6.250 707.92 FRANKLIN NH 03235 5 11/05/03 10 0418716932 05 01/01/04 25 0418716932 O 12/01/33 0 8855976 E22/G02 F 146,000.00 ZZ 360 146,000.00 1 6.125 887.11 78 5.875 887.11 BOCA RATON FL 33428 5 11/05/03 00 0418998902 03 01/01/04 0 0418998902 O 12/01/33 0 8855978 E22/G02 F 140,000.00 ZZ 360 140,000.00 1 6.750 908.04 90 6.500 908.04 JACKSONVILLE FL 32259 5 11/05/03 04 0418999462 03 01/01/04 25 0418999462 O 12/01/33 0 8855986 E22/G02 F 274,500.00 ZZ 360 274,500.00 1 6.500 1,735.03 90 6.250 1,735.03 BOYNTON BEACH FL 33435 1 11/10/03 11 0419015003 05 01/01/04 30 0419015003 O 12/01/33 0 8856024 W35/G02 F 106,500.00 ZZ 360 106,410.53 1 6.875 699.63 74 6.625 699.63 1 FORT WAYNE IN 46825 5 10/24/03 00 0436999288 05 12/01/03 0 26102 O 11/01/33 0 8856080 W68/G02 F 65,334.00 ZZ 360 65,236.73 1 7.500 456.82 90 7.250 456.82 CLEVELAND TX 77328 1 10/01/03 04 0436965958 05 11/01/03 25 3091678 N 10/01/33 0 8856104 X67/G02 F 124,000.00 ZZ 360 123,887.91 2 6.500 783.76 73 6.250 783.76 HIGHLAND CA 92346 5 10/22/03 00 0437029200 05 12/01/03 0 0000423601 O 11/01/33 0 8856258 M07/G02 F 248,000.00 ZZ 360 247,796.72 1 7.000 1,649.95 80 6.750 1,649.95 MIRA LOMA CA 91752 1 10/31/03 00 0437005390 05 12/01/03 0 02310177 O 11/01/33 0 8856274 L49/G02 F 875,000.00 ZZ 360 874,149.55 1 6.125 5,316.60 69 5.875 5,316.60 SANTA CRUZ CA 95060 1 10/24/03 00 0436923809 03 12/01/03 0 10016892 O 11/01/33 0 8856408 U42/G02 F 191,000.00 ZZ 360 190,827.33 1 6.500 1,207.25 46 6.250 1,207.25 NORTHPORT NY 11768 5 10/24/03 00 0437005341 05 12/01/03 0 12303982 O 11/01/33 0 1 8856448 U42/G02 F 99,386.00 ZZ 360 99,386.00 1 6.750 644.62 80 6.500 644.62 FARMERSVILLE TX 75442 1 11/05/03 00 0436961502 05 01/01/04 0 12303172 O 12/01/33 0 8856466 L49/G02 F 590,000.00 ZZ 360 589,440.18 1 6.250 3,632.74 62 6.000 3,632.74 IRVINE CA 92603 1 10/10/03 00 0436933030 03 12/01/03 0 10016008 O 11/01/33 0 8856572 L49/G02 F 496,000.00 ZZ 360 495,540.60 1 6.375 3,094.40 80 6.125 3,094.40 ESCONDIDO CA 92026 1 10/17/03 00 0436933188 05 12/01/03 0 10016818 O 11/01/33 0 8856688 L49/G02 F 528,000.00 ZZ 360 527,534.15 1 6.625 3,380.85 80 6.375 3,380.85 LAS FLORES CA 92688 1 10/02/03 00 0436933352 03 12/01/03 0 10016769 O 11/01/33 0 8856932 642/G02 F 88,200.00 ZZ 360 88,134.54 2 7.500 616.71 90 7.250 616.71 DETROIT MI 48227 1 10/24/03 11 0436965115 05 12/01/03 30 09113303 N 11/01/33 0 8857014 E86/G02 F 380,000.00 ZZ 360 380,000.00 1 1 6.750 2,464.67 80 6.500 2,464.67 HARTSDALE NY 10530 1 11/04/03 00 0437017304 05 01/01/04 0 424987 O 12/01/33 0 8857094 E86/G02 F 160,000.00 ZZ 360 159,855.36 1 6.500 1,011.31 73 6.250 1,011.31 CARMICHAEL CA 95608 5 10/24/03 00 0437004377 05 12/01/03 0 429431 O 11/01/33 0 8857096 E86/G02 F 76,350.00 ZZ 360 76,279.29 1 6.375 476.32 46 6.125 476.32 PORTLAND OR 97230 5 10/24/03 00 0437006497 05 12/01/03 0 433224 O 11/01/33 0 8857320 Y21/G02 F 390,915.00 ZZ 360 390,543.62 1 6.250 2,407.40 85 6.000 2,407.40 PHILLIPSBURG NJ 08865 1 10/31/03 04 0436918239 05 12/01/03 12 203797931 O 11/01/33 0 8857472 N47/G02 F 157,250.00 ZZ 360 157,250.00 1 6.500 993.93 39 6.250 993.93 WESTMINSTER CA 92655 5 11/04/03 00 0437004781 05 01/01/04 0 30509996 O 12/01/33 0 8857478 M12/G02 F 94,000.00 ZZ 360 94,000.00 1 7.000 625.38 80 6.750 625.38 TUCSON AZ 85730 5 11/06/03 00 0437016181 05 01/01/04 0 1 00000200038 N 12/01/33 0 8857578 U45/G02 F 60,000.00 ZZ 360 59,950.82 1 7.000 399.18 55 6.750 399.18 GARFIELD HEIGHT OH 44125 5 10/31/03 00 0436928360 05 12/01/03 0 02300159 O 11/01/33 0 8857618 E86/G02 F 135,000.00 ZZ 360 134,749.27 1 6.375 842.22 70 6.125 842.22 VERNON CT 06066 5 09/29/03 00 0437007271 05 11/01/03 0 410769 O 10/01/33 0 8857626 S27/G02 F 199,920.00 T 360 199,920.00 1 6.625 1,280.11 80 6.375 1,280.11 JUPITER FL 33458 1 11/03/03 00 0437043359 09 01/01/04 0 10100033782 O 12/01/33 0 8857670 X52/G02 F 828,750.00 ZZ 360 828,750.00 1 6.625 5,306.58 65 6.375 5,306.58 KEY WEST FL 33040 1 11/05/03 00 0437010614 05 01/01/04 0 8530170 O 12/01/33 0 8857706 P01/G02 F 129,600.00 ZZ 360 129,506.20 2 7.625 917.30 90 7.375 917.30 ALBANY NY 12208 1 10/28/03 10 0436967442 05 12/01/03 25 03005292 N 11/01/33 0 1 8857738 U05/G02 F 143,000.00 ZZ 360 142,885.64 4 7.125 963.42 90 6.875 963.42 SAN MARCOS TX 78666 1 10/24/03 10 0436969794 05 12/01/03 25 3000390442 N 11/01/33 0 8858378 G34/G02 F 222,000.00 ZZ 360 222,000.00 1 6.500 1,403.19 73 6.250 1,403.19 CARMICHAEL CA 95608 5 10/30/03 00 0437005176 05 01/01/04 0 47011217 O 12/01/33 0 8858390 U05/G02 F 359,100.00 ZZ 360 358,798.31 1 6.875 2,359.03 90 6.625 2,359.03 LOS ANGELES CA 90065 1 10/21/03 04 0436940936 05 12/01/03 25 3426001 O 11/01/33 0 8858392 P59/G02 F 120,000.00 ZZ 360 119,648.32 1 6.125 729.13 30 5.875 729.13 PASO ROBLES CA 93446 5 08/11/03 00 0437021652 05 10/01/03 0 AT006117 O 09/01/33 0 8858488 758/G02 F 121,600.00 ZZ 360 121,497.84 1 6.875 798.83 95 6.625 798.83 ELLENWOOD GA 30294 5 10/31/03 04 0436987655 05 12/01/03 30 1 O 11/01/33 0 8858498 U05/G02 F 151,000.00 ZZ 360 150,856.73 1 6.250 929.73 69 6.000 929.73 1 INGLEWOOD AREA CA 90304 5 10/22/03 00 0436968333 05 12/01/03 0 3431823 O 11/01/33 0 8858550 A52/G02 F 129,200.00 ZZ 360 129,200.00 1 6.500 816.63 95 6.250 816.63 JACKSONVILLE AL 36265 2 11/07/03 11 0436902274 05 01/01/04 30 27590 O 12/01/33 0 8858616 408/G02 F 75,950.00 ZZ 360 75,890.73 1 7.250 518.13 73 7.000 518.13 COATSVILLE IN 46121 2 11/06/03 00 0437009350 05 12/01/03 0 703039379 N 11/01/33 0 8858696 738/G02 F 140,800.00 ZZ 360 140,692.85 1 7.375 972.48 80 7.125 972.48 HIALEAH FL 33013 1 11/03/03 00 0436970297 05 12/01/03 0 41524125 N 11/01/33 0 8858768 477/G02 F 220,000.00 ZZ 360 219,810.58 1 6.750 1,426.92 68 6.500 1,426.92 CLAREMONT CA 91711 5 10/23/03 00 0436923569 05 12/01/03 0 206381 O 11/01/33 0 8859529 E23/G02 F 200,000.00 ZZ 360 199,819.19 1 6.500 1,264.14 80 6.250 1,264.14 SAN DIEGO CA 92119 1 10/08/03 00 0436879399 01 12/01/03 0 51037223 O 11/01/33 0 1 8859871 U66/G02 F 187,600.00 ZZ 360 187,408.74 1 5.875 1,109.72 80 5.625 1,109.72 KATY TX 77450 2 10/27/03 00 0437001225 03 12/01/03 0 0795681 O 11/01/33 0 8859899 R68/G02 F 280,000.00 T 360 280,000.00 1 6.875 1,839.40 80 6.625 1,839.40 HILLSBORO BEACH FL 33062 1 11/14/03 00 0437043227 06 01/01/04 0 8569714 O 12/01/33 0 8862340 758/G02 F 135,200.00 ZZ 360 135,077.77 1 6.500 854.56 80 6.250 854.56 RICHMOND TX 77469 1 10/28/03 00 0437024409 03 12/01/03 0 361964 O 11/01/33 0 8862370 Q87/G02 F 62,400.00 ZZ 360 62,346.27 1 6.750 404.73 80 6.500 404.73 GAINESVILLE GA 30507 5 10/23/03 00 0437004716 05 12/01/03 0 CAJU02 O 11/01/33 0 8862456 G27/G02 F 83,500.00 ZZ 360 83,424.51 1 6.500 527.78 76 6.250 527.78 MADERA CA 93638 5 10/28/03 00 0437029010 05 12/01/03 0 23503176 N 11/01/33 0 8862566 Q87/G02 F 76,000.00 ZZ 300 75,908.02 1 1 7.125 543.23 95 6.875 543.23 CHAPEL HILL TN 37034 5 10/27/03 10 0437005002 05 12/01/03 30 LAHA01 O 11/01/28 0 8862978 N34/G02 F 114,300.00 ZZ 360 114,300.00 2 7.500 799.20 90 7.250 799.20 CROWN POINT IN 46307 5 11/06/03 10 0437016843 05 01/01/04 25 123782401 O 12/01/33 0 8863008 642/G02 F 58,500.00 ZZ 360 58,500.00 1 7.000 389.20 90 6.750 389.20 LANCASTER CA 93535 5 11/05/03 11 0437000227 01 01/01/04 25 10239303 O 12/01/33 0 8863034 642/G02 F 58,500.00 ZZ 360 58,456.59 1 7.500 409.04 75 7.250 409.04 MARRERO LA 70072 5 10/31/03 00 0436974521 05 12/01/03 0 10194103 N 11/01/33 0 8863192 T29/G02 F 152,800.00 ZZ 360 152,677.81 1 7.125 1,029.44 90 6.875 1,029.44 GLENDALE AZ 85308 2 10/23/03 12 0436956189 03 12/01/03 25 1593165 N 11/01/33 0 8864674 A52/G02 F 84,000.00 ZZ 360 84,000.00 1 7.250 573.03 68 7.000 573.03 GRAYSON GA 30017 5 11/10/03 00 0436983225 05 01/01/04 0 1 28001 N 12/01/33 0 8864970 S27/G02 F 143,000.00 ZZ 360 143,000.00 1 6.750 927.50 90 6.500 927.50 TAMARAC FL 33321 2 11/05/03 01 0437039514 05 01/01/04 25 1980000996 O 12/01/33 0 8865300 X89/G02 F 129,000.00 ZZ 360 128,880.51 1 6.375 804.80 31 6.125 804.80 CHINO HILLS CA 91709 2 10/23/03 00 0437017445 03 12/01/03 0 2022186 O 11/01/33 0 8865706 U85/G02 F 122,311.00 ZZ 360 122,311.00 1 7.625 865.71 90 7.375 865.71 JANESVILLE WI 53545 1 11/12/03 11 0437017023 05 01/01/04 25 TQS512 O 12/01/33 0 8865754 U85/G02 F 87,975.00 ZZ 360 87,975.00 1 7.125 592.70 90 6.875 592.70 FORT ATKINSON WI 53538 1 11/12/03 26 0436984561 05 01/01/04 25 TQS384 N 12/01/33 0 8865866 E47/G02 F 220,000.00 ZZ 360 219,836.73 1 7.500 1,538.27 80 7.250 1,538.27 WASHINGTON DC 20001 5 10/24/03 00 0437029598 07 12/01/03 0 7338511513 N 11/01/33 0 1 8865892 N74/G02 F 145,600.00 ZZ 360 145,600.00 1 6.000 872.95 80 5.750 872.95 CHESAPEAKE VA 23323 5 10/29/03 00 0436939367 05 01/01/04 0 0033641010 O 12/01/33 0 8866132 E47/G02 F 120,000.00 ZZ 360 119,901.64 1 7.000 798.36 80 6.750 798.36 STOCKTON CA 95206 5 10/21/03 00 0436979843 05 12/01/03 0 7333013850 O 11/01/33 0 8866250 E11/G02 F 106,300.00 T 360 106,196.68 1 6.125 645.89 74 5.875 645.89 SCOTTSDALE AZ 85260 2 11/03/03 00 0437019300 01 12/01/03 0 0003001058520 O 11/01/33 0 8866570 N74/G02 F 101,600.00 ZZ 360 101,503.60 1 6.250 625.57 87 6.000 625.57 NORTH LITTLE RO AR 72116 5 10/27/03 10 0436982623 05 12/01/03 25 0033616010 O 11/01/33 0 8866806 U05/G02 F 53,400.00 ZZ 360 53,360.37 1 7.500 373.38 72 7.250 373.38 SAN ANTONIO TX 78244 2 10/28/03 00 0437045073 05 12/01/03 0 3382684 N 11/01/33 0 8867262 X67/G02 F 226,000.00 ZZ 360 225,832.28 3 7.500 1,580.22 72 7.250 1,580.22 1 HUNTINGTON PARK CA 90255 2 10/17/03 00 0437029085 05 12/01/03 0 0000426434 O 11/01/33 0 8867264 E47/G02 F 126,400.00 ZZ 360 126,306.19 1 7.500 883.81 80 7.250 883.81 WASHINGTON DC 20019 5 10/24/03 00 0437041361 05 12/01/03 0 7338511510 N 11/01/33 0 8867330 E22/G02 F 99,000.00 ZZ 360 99,000.00 1 6.500 625.75 77 6.250 625.75 PORT SAINT LUCI FL 34983 2 11/12/03 00 0418024600 05 01/01/04 0 0418024600 N 12/01/33 0 8867336 E22/G02 F 138,350.00 ZZ 360 138,350.00 1 6.625 885.87 80 6.375 885.87 LAS VEGAS NV 89129 1 10/28/03 00 0418206322 03 01/01/04 0 0418206322 N 12/01/33 0 8867362 E22/G02 F 139,500.00 ZZ 360 139,500.00 1 6.625 893.23 90 6.375 893.23 WASILLA AK 99654 1 11/07/03 10 0418496303 05 01/01/04 25 0418496303 O 12/01/33 0 8867370 E22/G02 F 138,750.00 ZZ 360 138,750.00 1 7.125 934.78 75 6.875 934.78 SACRAMENTO CA 95817 5 11/03/03 00 0418524708 05 01/01/04 0 0418524708 N 12/01/33 0 1 8867382 E22/G02 F 243,000.00 ZZ 360 243,000.00 3 7.500 1,699.09 90 7.250 1,699.09 CHICAGO IL 60619 1 11/12/03 01 0418570487 05 01/01/04 25 0418570487 N 12/01/33 0 8867402 E22/G02 F 69,600.00 TX 360 69,600.00 1 6.500 439.92 80 6.250 439.92 AUSTIN TX 78745 5 11/04/03 00 0418625406 03 01/01/04 0 0418625406 O 12/01/33 0 8867412 E22/G02 F 99,000.00 ZZ 360 99,000.00 1 6.000 593.56 90 5.750 593.56 LOUISVILLE KY 40206 5 11/06/03 01 0418650339 07 01/01/04 25 0418650339 O 12/01/33 0 8867454 E22/G02 F 60,000.00 ZZ 360 60,000.00 1 6.500 379.24 75 6.250 379.24 ORLANDO KY 40460 1 11/07/03 00 0418674636 05 01/01/04 0 0418674636 O 12/01/33 0 8867500 E22/G02 F 366,925.00 ZZ 360 366,925.00 1 6.125 2,229.47 80 5.875 2,229.47 DUBLIN CA 94568 1 11/05/03 00 0418738662 01 01/01/04 0 0418738662 O 12/01/33 0 8867508 E22/G02 F 200,000.00 TX 360 200,000.00 1 1 5.875 1,183.08 80 5.625 1,183.08 HOUSTON TX 77063 5 11/05/03 00 0418745956 03 01/01/04 0 0418745956 O 12/01/33 0 8867510 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 6.250 615.72 70 6.000 615.72 HENDERSONVILLE NC 28792 5 11/06/03 00 0418746293 05 01/01/04 0 0418746293 O 12/01/33 0 8867528 E22/G02 F 280,000.00 ZZ 360 280,000.00 1 6.250 1,724.01 80 6.000 1,724.01 JEFFERSON TOWNS NJ 07438 5 11/06/03 00 0418767422 05 01/01/04 0 0418767422 O 12/01/33 0 8867552 E22/G02 F 110,000.00 ZZ 360 110,000.00 1 7.000 731.83 71 6.750 731.83 NORTH BERGEN NJ 07047 5 11/12/03 00 0418797577 01 01/01/04 0 0418797577 N 12/01/33 0 8867554 E22/G02 F 136,000.00 ZZ 360 136,000.00 1 6.375 848.46 80 6.125 848.46 PORTLAND OR 97213 1 11/06/03 00 0418797759 05 01/01/04 0 0418797759 O 12/01/33 0 8867562 E22/G02 F 441,000.00 ZZ 360 441,000.00 1 6.125 2,679.56 90 5.875 2,679.56 COTTAGE GROVE OR 97424 1 11/05/03 04 0418808788 05 01/01/04 25 1 0418808788 O 12/01/33 0 8867580 E22/G02 F 371,000.00 ZZ 360 371,000.00 3 6.875 2,437.21 60 6.625 2,437.21 SEATTLE WA 98115 2 11/03/03 00 0418828299 05 01/01/04 0 0418828299 N 12/01/33 0 8867588 E22/G02 F 105,000.00 ZZ 360 105,000.00 1 7.375 725.21 63 7.125 725.21 NAMPA ID 83686 5 11/10/03 00 0418835120 03 01/01/04 0 0418835120 N 12/01/33 0 8867592 E22/G02 F 127,200.00 ZZ 360 127,200.00 1 6.875 835.61 80 6.625 835.61 FRESNO CA 93726 1 10/31/03 00 0418837100 05 01/01/04 0 0418837100 N 12/01/33 0 8867604 E22/G02 F 425,000.00 ZZ 360 425,000.00 1 7.000 2,827.54 80 6.750 2,827.54 ALEXANDRIA VA 22310 5 11/06/03 00 0418852398 05 01/01/04 0 0418852398 O 12/01/33 0 8867614 E22/G02 F 260,000.00 ZZ 360 260,000.00 1 6.500 1,643.38 80 6.250 1,643.38 SAN JOSE CA 95121 2 11/03/03 00 0418862124 09 01/01/04 0 0418862124 O 12/01/33 0 1 8867634 E22/G02 F 422,400.00 ZZ 360 422,400.00 2 6.250 2,600.79 80 6.000 2,600.79 WATERTOWN MA 02472 5 11/06/03 00 0418868410 05 01/01/04 0 0418868410 O 12/01/33 0 8867654 E22/G02 F 157,250.00 ZZ 360 157,250.00 1 6.250 968.22 86 6.000 968.22 AURORA CO 80011 5 11/06/03 01 0418878336 05 01/01/04 25 0418878336 O 12/01/33 0 8867664 E22/G02 F 70,500.00 TX 360 70,500.00 1 7.750 505.07 75 7.500 505.07 MISSOURI CITY TX 77459 5 11/12/03 00 0418883740 03 01/01/04 0 0418883740 N 12/01/33 0 8867670 E22/G02 F 154,000.00 ZZ 360 154,000.00 1 6.500 973.38 94 6.250 973.38 WILLINGBORO NJ 08046 5 11/07/03 04 0418886107 05 01/01/04 30 0418886107 O 12/01/33 0 8867674 E22/G02 F 175,000.00 ZZ 360 175,000.00 1 6.375 1,091.77 41 6.125 1,091.77 SAN DIEGO CA 92111 5 10/29/03 00 0418891206 01 01/01/04 0 0418891206 O 12/01/33 0 8867688 E22/G02 F 90,000.00 ZZ 360 90,000.00 1 6.625 576.28 78 6.375 576.28 1 FLORISSANT MO 63033 5 11/06/03 00 0418896809 05 01/01/04 0 0418896809 O 12/01/33 0 8867712 E22/G02 F 400,000.00 ZZ 360 400,000.00 1 6.375 2,495.48 69 6.125 2,495.48 KEY WEST FL 33040 1 11/12/03 00 0418913604 05 01/01/04 0 0418913604 O 12/01/33 0 8867720 E22/G02 F 175,000.00 ZZ 360 175,000.00 1 5.750 1,021.25 47 5.500 1,021.25 SUISUN CITY CA 94585 5 11/03/03 00 0418915955 05 01/01/04 0 0418915955 O 12/01/33 0 8867760 E22/G02 F 84,550.00 ZZ 360 84,550.00 1 6.625 541.38 95 6.375 541.38 NEW ALBANY IN 47150 1 11/11/03 01 0418934766 05 01/01/04 30 0418934766 O 12/01/33 0 8867768 E22/G02 F 24,375.00 ZZ 360 24,375.00 1 7.875 176.74 75 7.625 176.74 BALTIMORE MD 21224 1 11/12/03 00 0418940144 07 01/01/04 0 0418940144 N 12/01/33 0 8867806 E22/G02 F 119,600.00 ZZ 360 119,600.00 1 6.500 755.95 80 6.250 755.95 COLORADO SPRING CO 80915 1 11/11/03 00 0418961017 05 01/01/04 0 0418961017 N 12/01/33 0 1 8867816 E22/G02 F 72,000.00 ZZ 360 72,000.00 1 6.125 437.48 90 5.875 437.48 LOUISVILLE KY 40213 2 11/11/03 01 0418974192 05 01/01/04 25 0418974192 N 12/01/33 0 8867820 E22/G02 F 415,200.00 ZZ 360 415,200.00 1 6.125 2,522.80 80 5.875 2,522.80 BERKELEY CA 94702 1 10/31/03 00 0418981072 05 01/01/04 0 0418981072 O 12/01/33 0 8867824 E22/G02 F 164,000.00 ZZ 360 164,000.00 1 6.750 1,063.70 80 6.500 1,063.70 YOUNGSVILLE NC 27596 1 11/12/03 00 0418981460 05 01/01/04 0 0418981460 O 12/01/33 0 8867852 E22/G02 F 229,500.00 ZZ 360 229,500.00 1 6.250 1,413.07 90 6.000 1,413.07 SACRAMENTO CA 95823 5 11/05/03 04 0419007471 05 01/01/04 25 0419007471 O 12/01/33 0 8867864 E22/G02 F 358,000.00 ZZ 360 358,000.00 1 6.250 2,204.27 77 6.000 2,204.27 CAMARILLO CA 93012 5 11/03/03 00 0419016639 05 01/01/04 0 0419016639 O 12/01/33 0 8867878 E22/G02 F 648,750.00 ZZ 360 648,750.00 1 1 6.125 3,941.87 75 5.875 3,941.87 NEWCASTLE WA 98059 1 11/03/03 00 0419031836 03 01/01/04 0 0419031836 O 12/01/33 0 8867884 E22/G02 F 246,000.00 ZZ 360 246,000.00 1 6.250 1,514.66 79 6.000 1,514.66 ROHNERT PARK CA 94928 2 11/05/03 00 0419037841 09 01/01/04 0 0419037841 O 12/01/33 0 8867888 E22/G02 F 137,600.00 ZZ 360 137,600.00 1 6.375 858.44 80 6.125 858.44 DEXTER MI 48130 1 11/12/03 00 0419040860 05 01/01/04 0 0419040860 O 12/01/33 0 8867904 E22/G02 F 365,800.00 ZZ 360 365,800.00 1 6.750 2,372.57 90 6.500 2,372.57 SACRAMENTO CA 95835 1 11/06/03 04 0419053483 03 01/01/04 30 0419053483 O 12/01/33 0 8867920 S43/G02 F 75,600.00 ZZ 360 75,600.00 1 6.500 477.84 90 6.250 477.84 ALBUQUERQUE NM 87110 2 11/11/03 01 0437012834 05 01/01/04 25 181030020700 N 12/01/33 0 8867968 E82/G02 F 274,450.00 ZZ 360 274,450.00 2 7.250 1,872.23 69 7.000 1,872.23 BAYONNE NJ 07002 5 11/07/03 00 0400912127 05 01/01/04 0 1 0400912127 O 12/01/33 0 8868092 E82/G02 F 138,450.00 ZZ 360 138,450.00 1 6.625 886.51 87 6.375 886.51 PHOENIX AZ 85051 2 11/07/03 04 0400921391 05 01/01/04 25 0400921391 O 12/01/33 0 8868372 G33/G02 F 118,150.00 ZZ 360 118,150.00 1 6.625 756.53 78 6.375 756.53 COLLEYVILLE TX 76031 2 11/06/03 00 0437028780 05 01/01/04 0 816039 O 12/01/33 0 8868434 E47/G02 F 136,800.00 ZZ 360 136,698.47 1 7.500 956.53 80 7.250 956.53 UPPER MARLBORO MD 20774 5 10/24/03 00 0437048002 05 12/01/03 0 7338511515 N 11/01/33 0 8868966 U05/G02 F 448,000.00 TX 360 448,000.00 1 6.750 2,905.72 80 6.500 2,905.72 FRIENDSWOOD TX 77546 5 11/05/03 00 0437018898 03 01/01/04 0 3440409 O 12/01/33 0 8869048 196/G02 F 106,207.00 ZZ 360 106,115.55 1 6.750 688.86 95 6.500 688.86 HUNTSVILLE AL 35803 5 10/27/03 01 0437009129 05 12/01/03 35 1596814 O 11/01/33 0 1 8869094 T79/G02 F 241,425.00 ZZ 360 241,425.00 1 7.375 1,667.46 90 7.125 1,667.46 FORT LAUDERDALE FL 33305 1 11/10/03 11 0437043755 05 01/01/04 25 5010311000 N 12/01/33 0 8869494 G75/G02 F 360,050.00 ZZ 360 359,716.52 1 6.375 2,246.25 80 6.125 2,246.25 LAUREL MD 20723 1 10/24/03 00 0437011455 05 12/01/03 0 5160243 O 11/01/33 0 8869530 X67/G02 F 213,800.00 ZZ 360 213,606.72 2 6.500 1,351.36 80 6.250 1,351.36 LYNWOOD CA 90262 2 10/27/03 00 0437020407 05 12/01/03 0 0000429197 N 11/01/33 0 8869568 X51/G02 F 650,000.00 ZZ 360 650,000.00 1 6.375 4,055.15 67 6.125 4,055.15 SIMI VALLEY CA 93065 5 11/08/03 00 0436936785 05 01/01/04 0 0030924003 O 12/01/33 0 8869618 L20/G02 F 144,427.00 ZZ 360 144,427.00 1 6.000 865.91 80 5.750 865.91 SPARKS NV 89431 1 11/12/03 00 0436988521 03 01/01/04 0 1141050080 O 12/01/33 0 8870114 H93/G02 F 313,000.00 ZZ 360 313,000.00 1 6.375 1,952.71 72 6.125 1,952.71 1 FORT MEYERS FL 33912 2 11/05/03 00 0436969356 05 01/01/04 0 2003001348 O 12/01/33 0 8870456 E22/G02 F 100,000.00 ZZ 360 100,000.00 2 6.375 623.87 80 6.125 623.87 GRANTS PASS OR 97526 1 11/07/03 00 0418571568 05 01/01/04 0 0418571568 N 12/01/33 0 8870464 E22/G02 F 180,000.00 ZZ 360 180,000.00 1 6.500 1,137.72 79 6.250 1,137.72 SAN JOSE CA 95111 2 11/07/03 00 0418593406 01 01/01/04 0 0418593406 N 12/01/33 0 8870466 E22/G02 F 200,000.00 TX 360 200,000.00 1 6.750 1,297.20 80 6.500 1,297.20 GRANBURY TX 76049 5 11/06/03 00 0418615548 03 01/01/04 0 0418615548 O 12/01/33 0 8870472 E22/G02 F 109,600.00 TX 360 109,600.00 1 6.625 701.78 80 6.375 701.78 DEER PARK TX 77536 5 11/07/03 00 0418618625 05 01/01/04 0 0418618625 O 12/01/33 0 8870486 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 6.750 648.60 74 6.500 648.60 HARRISON ID 83833 5 10/22/03 00 0418620597 05 01/01/04 0 0418620597 O 12/01/33 0 1 8870492 E22/G02 F 292,500.00 ZZ 360 292,500.00 3 7.875 2,120.83 90 7.625 2,120.83 NEW HAVEN CT 06511 1 11/13/03 04 0418635066 05 01/01/04 25 0418635066 N 12/01/33 0 8870494 E22/G02 F 192,000.00 ZZ 360 192,000.00 1 6.250 1,182.18 80 6.000 1,182.18 MIAMI BEACH FL 33140 5 11/07/03 00 0418636890 08 01/01/04 0 0418636890 O 12/01/33 0 8870518 E22/G02 F 139,500.00 ZZ 360 139,500.00 1 6.250 858.93 90 6.000 858.93 SAN ANTONIO TX 78216 1 11/13/03 01 0418793345 05 01/01/04 25 0418793345 O 12/01/33 0 8870524 E22/G02 F 182,633.00 ZZ 360 182,633.00 1 6.500 1,154.36 61 6.250 1,154.36 WINNETKA CA 91306 5 11/07/03 00 0418798799 05 01/01/04 0 0418798799 O 12/01/33 0 8870566 E22/G02 F 108,000.00 ZZ 360 108,000.00 4 7.375 745.93 90 7.125 745.93 CLEVELAND OH 44106 1 11/13/03 01 0418907572 05 01/01/04 25 0418907572 N 12/01/33 0 8870568 E22/G02 F 198,000.00 ZZ 360 198,000.00 3 1 6.875 1,300.72 90 6.625 1,300.72 IRVINGTON NJ 07111 1 11/13/03 01 0418908448 05 01/01/04 25 0418908448 N 12/01/33 0 8870592 E22/G02 F 218,500.00 ZZ 360 218,500.00 1 6.125 1,327.63 77 5.875 1,327.63 SANTA FE NM 87505 5 11/06/03 00 0418922696 03 01/01/04 0 0418922696 O 12/01/33 0 8870618 E22/G02 F 124,000.00 ZZ 360 124,000.00 1 6.500 783.76 80 6.250 783.76 NORTH PROVIDENC RI 02911 5 11/07/03 00 0419018262 05 01/01/04 0 0419018262 O 12/01/33 0 8870712 E22/G02 F 94,950.00 ZZ 360 94,950.00 1 6.250 584.62 90 6.000 584.62 ROSEBURG OR 97470 1 11/04/03 10 0418823514 05 01/01/04 25 0418823514 N 12/01/33 0 8870740 E22/G02 F 200,700.00 ZZ 360 200,700.00 1 6.375 1,252.11 90 6.125 1,252.11 THORTON CO 80229 5 11/07/03 01 0418839130 05 01/01/04 25 0418839130 O 12/01/33 0 8870750 E22/G02 F 267,750.00 ZZ 360 267,750.00 1 7.000 1,781.35 85 6.750 1,781.35 KENDRICK ID 83537 5 11/07/03 04 0418847729 05 01/01/04 12 1 0418847729 O 12/01/33 0 8870754 E22/G02 F 150,000.00 ZZ 360 150,000.00 1 6.250 923.58 72 6.000 923.58 SALT LAKE CITY UT 84124 5 11/05/03 00 0418848693 05 01/01/04 0 0418848693 O 12/01/33 0 8870758 E22/G02 F 180,000.00 ZZ 360 180,000.00 1 6.000 1,079.19 65 5.750 1,079.19 ARVADA CO 80005 2 11/07/03 00 0418850442 03 01/01/04 0 0418850442 O 12/01/33 0 8870902 E22/G02 F 158,850.00 ZZ 360 158,850.00 1 6.000 952.39 90 5.750 952.39 CAMAS WA 98607 2 11/01/03 04 0418889978 05 01/01/04 25 0418889978 O 12/01/33 0 8870926 E22/G02 F 54,000.00 ZZ 360 54,000.00 1 7.375 372.96 89 7.125 372.96 OKLAHOMA CITY OK 73119 5 11/07/03 01 0418975348 05 01/01/04 25 0418975348 O 12/01/33 0 8870980 E22/G02 F 183,000.00 ZZ 360 183,000.00 1 6.500 1,156.68 80 6.250 1,156.68 BELLEVUE WA 98006 5 11/05/03 00 0418983516 05 01/01/04 0 0418983516 O 12/01/33 0 1 8871000 E22/G02 F 40,000.00 ZZ 360 40,000.00 1 6.125 243.04 80 5.875 243.04 EAST LIVERPOOL OH 43920 5 11/07/03 00 0418990040 05 01/01/04 0 0418990040 O 12/01/33 0 8871020 E22/G02 F 135,000.00 ZZ 360 135,000.00 1 6.125 820.27 75 5.875 820.27 PHOENIX OR 97535 2 11/04/03 00 0418296836 05 01/01/04 0 0418296836 N 12/01/33 0 8871032 E22/G02 F 79,800.00 ZZ 360 79,800.00 1 7.875 578.61 95 7.625 578.61 OKLAHOMA CITY OK 73159 5 11/07/03 01 0418480174 05 01/01/04 30 0418480174 O 12/01/33 0 8871054 E22/G02 F 154,000.00 ZZ 360 154,000.00 1 6.250 948.20 80 6.000 948.20 GRAND JUNCTION CO 81504 2 11/07/03 00 0418559993 05 01/01/04 0 0418559993 O 12/01/33 0 8871062 E22/G02 F 91,400.00 ZZ 360 91,400.00 1 6.875 600.43 89 6.625 600.43 VERNAL UT 84078 5 11/05/03 04 0418707774 05 01/01/04 25 0418707774 O 12/01/33 0 8871070 E22/G02 F 142,000.00 ZZ 360 141,877.74 1 6.750 921.01 95 6.500 921.01 1 FRESNO CA 93702 1 10/06/03 11 0418730925 05 12/01/03 30 0418730925 O 11/01/33 0 8871100 E22/G02 F 90,000.00 ZZ 360 90,000.00 2 6.625 576.28 90 6.375 576.28 CINCINNATI OH 45211 1 11/13/03 01 0418772760 05 01/01/04 25 0418772760 N 12/01/33 0 8871194 E22/G02 F 61,000.00 ZZ 360 61,000.00 1 6.500 385.56 80 6.250 385.56 MACKINAW MI 49701 1 11/14/03 00 0418934691 05 01/01/04 0 0418934691 N 12/01/33 0 8871210 E22/G02 F 90,000.00 ZZ 360 90,000.00 1 6.625 576.28 90 6.375 576.28 COLUMBUS OH 43223 5 11/07/03 01 0418945291 05 01/01/04 25 0418945291 O 12/01/33 0 8871214 E22/G02 F 324,000.00 ZZ 360 324,000.00 1 6.125 1,968.66 80 5.875 1,968.66 MIRAMAR FL 33027 1 11/13/03 00 0418953857 03 01/01/04 0 0418953857 O 12/01/33 0 8871230 E22/G02 F 137,200.00 ZZ 360 137,200.00 2 7.000 912.80 90 6.750 912.80 VISALIA CA 93277 1 11/06/03 01 0418969556 05 01/01/04 25 0418969556 N 12/01/33 0 1 8871236 E22/G02 F 401,000.00 ZZ 360 401,000.00 1 6.000 2,404.20 80 5.750 2,404.20 GLENVIEW IL 60025 2 11/07/03 00 0418974630 05 01/01/04 0 0418974630 O 12/01/33 0 8871252 E22/G02 F 168,000.00 ZZ 360 168,000.00 1 6.750 1,089.64 70 6.500 1,089.64 GARDNERVILLE NV 89410 1 11/07/03 00 0419113584 05 01/01/04 0 0419113584 N 12/01/33 0 8871282 E82/G02 F 178,300.00 ZZ 360 178,300.00 1 6.500 1,126.98 80 6.250 1,126.98 LONG BEACH CA 90804 2 11/07/03 00 0400908380 01 01/01/04 0 0400908380 O 12/01/33 0 8871346 E22/G02 F 236,000.00 ZZ 360 236,000.00 3 6.750 1,530.69 24 6.500 1,530.69 CHICAGO IL 60614 2 11/13/03 00 0418579637 05 01/01/04 0 0418579637 N 12/01/33 0 8871416 738/G02 F 106,300.00 ZZ 360 106,300.00 1 7.625 752.39 80 7.375 752.39 PORT SAINT LUCI FL 34953 1 11/07/03 00 0436981682 05 01/01/04 0 41524167 N 12/01/33 0 8871526 X05/G02 F 438,000.00 ZZ 360 437,574.30 1 1 6.125 2,661.33 77 5.875 2,661.33 SEATTLE WA 98199 2 10/27/03 00 0437039092 05 12/01/03 0 09310006 O 11/01/33 0 8871584 X05/G02 F 550,000.00 ZZ 360 549,452.47 1 6.000 3,297.53 55 5.750 3,297.53 NOVATO CA 94945 5 10/16/03 00 0437039241 05 12/01/03 0 07309122 O 11/01/33 0 8871656 A39/G02 F 225,000.00 ZZ 360 224,801.49 1 6.625 1,440.70 61 6.375 1,440.70 PALM DESERT CA 92211 5 10/23/03 00 0437018815 03 12/01/03 0 2302368RFC O 11/01/33 0 8871946 T29/G02 F 148,000.00 ZZ 360 147,859.57 1 6.250 911.26 80 6.000 911.26 LAS VEGAS NV 89142 1 10/31/03 00 0437020712 05 12/01/03 0 1594255 O 11/01/33 0 8871952 X05/G02 F 458,000.00 ZZ 360 457,554.85 1 6.125 2,782.86 75 5.875 2,782.86 CONCORD CA 94521 2 10/17/03 00 0437039282 03 12/01/03 0 07309127 O 11/01/33 0 8872060 G27/G02 F 219,450.00 ZZ 360 219,450.00 1 6.625 1,405.16 95 6.375 1,405.16 LAS VEGAS NV 89123 5 11/01/03 11 0437023195 03 01/01/04 30 1 25903051 O 12/01/33 0 8872098 X89/G02 F 360,000.00 ZZ 360 360,000.00 1 6.250 2,216.59 76 6.000 2,216.59 OXNARD CA 93036 1 11/07/03 00 0437034689 05 01/01/04 0 2021994 O 12/01/33 0 8872108 X89/G02 F 455,000.00 ZZ 360 455,000.00 1 6.625 2,913.41 80 6.375 2,913.41 PURCELLVILLE VA 20132 5 11/03/03 00 0437007156 05 01/01/04 0 2023190 O 12/01/33 0 8872128 X89/G02 F 76,420.00 ZZ 360 76,420.00 1 6.625 489.33 55 6.375 489.33 SALEM OR 97301 5 11/04/03 00 0437005010 05 01/01/04 0 2022873 O 12/01/33 0 8872144 G75/G02 F 150,000.00 ZZ 360 149,728.05 1 6.500 948.11 75 6.250 948.11 BRIDGEPORT BORO PA 19405 5 09/25/03 00 0437018914 05 11/01/03 0 5229338 O 10/01/33 0 8872168 G75/G02 F 300,000.00 ZZ 360 299,701.34 1 6.000 1,798.66 50 5.750 1,798.66 MIDDLE TOWNSHIP NJ 08260 5 10/01/03 00 0437019995 05 12/01/03 0 5313692 O 11/01/33 0 1 8872226 G75/G02 F 148,500.00 ZZ 360 148,255.83 1 7.000 987.98 90 6.750 987.98 KNOXVILLE TN 37921 1 10/03/03 10 0437018203 05 11/01/03 25 05318440 O 10/01/33 0 8872240 G75/G02 F 152,000.00 ZZ 360 151,762.13 1 7.250 1,036.91 80 7.000 1,036.91 CROZET VA 22932 1 09/30/03 00 0437023948 05 11/01/03 0 5303007 O 10/01/33 0 8872466 E86/G02 F 75,000.00 ZZ 360 74,928.83 1 6.250 461.79 66 6.000 461.79 REEDLEY CA 93654 5 10/06/03 00 0437010846 05 12/01/03 0 421662 N 11/01/33 0 8872514 E86/G02 F 98,400.00 T 360 98,234.19 1 6.875 646.42 80 6.625 646.42 LAS VEGAS NV 89101 1 09/23/03 00 0437000466 05 11/01/03 0 418637 O 10/01/33 0 8872652 E86/G02 F 148,500.00 ZZ 360 148,352.17 1 6.000 890.33 90 5.750 890.33 FORT LAUDERDALE FL 33312 2 10/10/03 04 0437012776 05 12/01/03 25 428084 O 11/01/33 0 8872678 W96/G02 F 77,600.00 ZZ 360 77,475.51 1 7.125 522.81 80 6.875 522.81 1 TALLAHASSEE FL 32303 5 09/29/03 00 0436957229 05 11/01/03 0 23080624 O 10/01/33 0 8872744 W96/G02 F 250,000.00 ZZ 360 249,535.68 1 6.375 1,559.67 67 6.125 1,559.67 TAMPA FL 33606 1 09/30/03 00 0436957427 05 11/01/03 0 23090423 O 10/01/33 0 8872840 W96/G02 F 79,000.00 ZZ 360 78,779.32 1 6.375 492.86 66 6.125 492.86 ANDERSON IN 46011 5 08/25/03 00 0436957732 05 10/01/03 0 23070253 N 09/01/33 0 8873186 601/G02 F 496,000.00 T 360 494,833.38 1 6.125 3,013.75 80 5.875 3,013.75 SANTA FE NM 87501 1 09/29/03 00 0437032352 05 11/01/03 0 63600118 O 10/01/33 0 8873190 601/G02 F 492,000.00 ZZ 360 491,086.20 1 6.375 3,069.44 80 6.125 3,069.44 READING MA 01867 1 09/30/03 00 0437028434 05 11/01/03 0 63586945 O 10/01/33 0 8873234 601/G02 F 429,000.00 ZZ 360 427,542.22 1 6.000 2,572.07 80 5.750 2,572.07 DULUTH GA 30097 1 09/30/03 00 0437019219 03 11/01/03 0 8207382 O 10/01/33 0 1 8873382 601/G02 F 478,475.00 T 360 475,975.43 1 5.750 2,792.26 80 5.500 2,792.26 FRISCO CO 80443 1 10/01/03 00 0437019193 05 12/01/03 0 63336069 O 11/01/33 0 8873464 W96/G02 F 94,000.00 ZZ 360 93,915.03 1 6.500 594.14 72 6.250 594.14 SUNRISE FL 33313 5 10/16/03 00 0436959514 05 12/01/03 0 23100020 O 11/01/33 0 8873538 W96/G02 F 393,800.00 ZZ 360 393,398.50 1 5.875 2,329.48 65 5.625 2,329.48 WESTON FL 33327 2 10/27/03 00 0436959811 03 12/01/03 0 23100095 O 11/01/33 0 8873572 W96/G02 F 148,000.00 ZZ 360 147,881.65 1 7.125 997.10 80 6.875 997.10 ORLANDO FL 32825 1 10/30/03 00 0436960009 03 12/01/03 0 23100153 O 11/01/33 0 8873614 W96/G02 F 134,400.00 ZZ 360 134,256.32 1 5.625 773.68 80 5.375 773.68 CLERMONT FL 34711 1 10/17/03 00 0436960280 03 12/01/03 0 23090085 O 11/01/33 0 8874896 E22/G02 F 92,800.00 ZZ 360 92,800.00 1 1 6.250 571.39 74 6.000 571.39 LAKELAND FL 33813 1 11/14/03 00 0418438982 03 01/01/04 0 0418438982 O 12/01/33 0 8874928 E22/G02 F 69,000.00 ZZ 360 69,000.00 1 6.750 447.53 100 6.500 447.53 SUFFOLK VA 23324 1 11/14/03 04 0418472577 05 01/01/04 35 0418472577 O 12/01/33 0 8874932 E22/G02 F 170,400.00 ZZ 360 170,400.00 1 7.250 1,162.43 80 7.000 1,162.43 WEST WINDSOR TW NJ 08540 1 11/14/03 00 0418496618 01 01/01/04 0 0418496618 N 12/01/33 0 8874972 E22/G02 F 205,000.00 ZZ 360 205,000.00 1 6.375 1,278.93 67 6.125 1,278.93 VISTA CA 92083 5 11/06/03 00 0418686523 05 01/01/04 0 0418686523 O 12/01/33 0 8874976 E22/G02 F 74,920.00 ZZ 360 74,920.00 1 7.000 498.44 80 6.750 498.44 DELTONA FL 32738 1 11/14/03 00 0418725644 05 01/01/04 0 0418725644 N 12/01/33 0 8874984 E22/G02 F 78,500.00 ZZ 360 78,500.00 2 7.250 535.51 99 7.000 535.51 HINSDALE NH 03451 1 11/14/03 04 0418747846 05 01/01/04 35 1 0418747846 O 12/01/33 0 8874996 E22/G02 F 63,200.00 ZZ 360 63,200.00 1 6.750 409.91 80 6.500 409.91 PUEBLO CO 81003 2 11/14/03 00 0418795027 05 01/01/04 0 0418795027 N 12/01/33 0 8875008 E22/G02 F 65,600.00 ZZ 360 65,600.00 2 6.875 430.95 80 6.625 430.95 NEW ORLEANS LA 70119 2 11/14/03 00 0418817425 05 01/01/04 0 0418817425 N 12/01/33 0 8875050 E22/G02 F 63,000.00 ZZ 360 63,000.00 1 7.125 424.44 80 6.875 424.44 JACKSON MI 49202 1 11/14/03 00 0418834453 05 01/01/04 0 0418834453 N 12/01/33 0 8875056 E22/G02 F 120,000.00 ZZ 360 120,000.00 1 6.375 748.64 80 6.125 748.64 ELLENSBURG WA 98926 1 10/30/03 00 0418845368 05 01/01/04 0 0418845368 N 12/01/33 0 8875058 E22/G02 F 34,900.00 ZZ 360 34,900.00 1 6.250 214.89 47 6.000 214.89 TULSA OK 74129 1 11/14/03 00 0418846606 05 01/01/04 0 0418846606 O 12/01/33 0 1 8875062 E22/G02 F 112,000.00 TX 360 112,000.00 1 6.375 698.73 80 6.125 698.73 SAN ANTONIO TX 78209 5 11/08/03 00 0418852547 05 01/01/04 0 0418852547 O 12/01/33 0 8875086 E22/G02 F 56,700.00 ZZ 360 56,700.00 1 6.625 363.06 90 6.375 363.06 EL PASO TX 79912 1 11/13/03 01 0418876082 05 01/01/04 25 0418876082 N 12/01/33 0 8875094 E22/G02 F 265,500.00 ZZ 360 265,500.00 3 7.250 1,811.18 90 7.000 1,811.18 WORCESTER MA 01605 1 11/14/03 04 0418880381 05 01/01/04 25 0418880381 N 12/01/33 0 8875122 E22/G02 F 266,475.00 ZZ 360 266,475.00 4 7.375 1,840.48 75 7.125 1,840.48 CRANSTON RI 02910 1 11/14/03 00 0418912481 05 01/01/04 0 0418912481 N 12/01/33 0 8875124 E22/G02 F 248,000.00 ZZ 360 248,000.00 1 6.375 1,547.20 80 6.125 1,547.20 WEST SACRAMENTO CA 95691 2 11/03/03 00 0418912739 05 01/01/04 0 0418912739 O 12/01/33 0 8875132 E22/G02 F 81,450.00 ZZ 360 81,450.00 1 7.250 555.63 90 7.000 555.63 1 RIVERDALE GA 30274 1 11/14/03 10 0418921888 05 01/01/04 25 0418921888 N 12/01/33 0 8875138 E22/G02 F 63,920.00 ZZ 360 63,920.00 1 7.500 446.94 80 7.250 446.94 LOUISVILLE KY 40215 2 11/14/03 00 0418925541 05 01/01/04 0 0418925541 N 12/01/33 0 8875146 E22/G02 F 51,750.00 ZZ 360 51,750.00 2 6.500 327.10 90 6.250 327.10 BROUSSARD LA 70518 1 11/14/03 01 0418933362 05 01/01/04 25 0418933362 N 12/01/33 0 8875162 E22/G02 F 114,300.00 ZZ 360 114,300.00 1 6.625 731.88 90 6.375 731.88 FOREST VA 24551 1 11/14/03 04 0418944179 05 01/01/04 25 0418944179 N 12/01/33 0 8875184 E22/G02 F 123,300.00 ZZ 360 123,300.00 1 7.250 841.12 90 7.000 841.12 COLORADO SPRING CO 80904 2 11/14/03 01 0418981619 05 01/01/04 25 0418981619 N 12/01/33 0 8875194 E22/G02 F 55,200.00 ZZ 360 55,200.00 1 6.500 348.90 80 6.250 348.90 LAKE WORTH FL 33461 1 11/14/03 00 0418987178 01 01/01/04 0 0418987178 N 12/01/33 0 1 8875256 E22/G02 F 264,000.00 ZZ 360 264,000.00 1 6.125 1,604.09 80 5.875 1,604.09 SOUTH LAKE TAHO CA 96150 1 11/01/03 00 0419002860 05 01/01/04 0 0419002860 O 12/01/33 0 8875274 E22/G02 F 228,000.00 ZZ 360 228,000.00 1 6.625 1,459.91 95 6.375 1,459.91 FRAMINGHAM MA 01701 1 11/14/03 01 0419011838 05 01/01/04 30 0419011838 O 12/01/33 0 8875288 E22/G02 F 165,000.00 ZZ 360 165,000.00 1 6.750 1,070.19 75 6.500 1,070.19 SEATTLE WA 98118 5 11/10/03 00 0419021050 05 01/01/04 0 0419021050 N 12/01/33 0 8875292 E22/G02 F 79,200.00 ZZ 360 79,200.00 1 7.000 526.92 80 6.750 526.92 RALEIGH NC 27606 2 11/14/03 00 0419024211 05 01/01/04 0 0419024211 N 12/01/33 0 8875320 E22/G02 F 135,000.00 ZZ 360 135,000.00 4 7.875 978.84 90 7.625 978.84 ORLANDO FL 32805 1 11/14/03 04 0419049390 05 01/01/04 25 0419049390 N 12/01/33 0 8875340 E22/G02 F 158,950.00 ZZ 360 158,950.00 1 1 6.875 1,044.19 85 6.625 1,044.19 CHARLOTTE NC 28213 1 11/14/03 01 0419076195 03 01/01/04 12 0419076195 O 12/01/33 0 8875498 N74/G02 F 99,000.00 ZZ 360 98,901.44 1 6.000 593.56 90 5.750 593.56 MORGANTON NC 28655 5 10/30/03 10 0437017429 04 12/04/03 25 0033648030 O 11/04/33 0 8875528 E82/G02 F 275,600.00 ZZ 360 275,600.00 1 6.500 1,741.98 75 6.250 1,741.98 CARSON CA 90746 2 11/07/03 00 0400906343 05 01/01/04 0 0400906343 O 12/01/33 0 8875654 H58/G02 F 452,000.00 ZZ 360 451,180.55 1 6.500 2,856.95 73 6.250 2,856.95 RIVERSIDE CA 92504 1 09/17/03 00 0437043847 05 11/01/03 0 0000181786 O 10/01/33 0 8876406 M18/G02 F 311,000.00 ZZ 360 311,000.00 1 6.375 1,940.24 68 6.125 1,940.24 TUSTIN CA 92780 2 11/06/03 00 0437022015 05 01/01/04 0 980102738 O 12/01/33 0 8876658 742/G02 F 330,000.00 ZZ 360 330,000.00 1 6.500 2,085.82 69 6.250 2,085.82 NORTH SALEM NY 10560 5 11/07/03 00 0437012461 05 01/01/04 0 1 10060911 O 12/01/33 0 8876710 E86/G02 F 59,850.00 ZZ 360 59,800.94 1 7.000 398.18 90 6.750 398.18 GLENDALE AZ 85301 1 10/15/03 04 0437012727 09 12/01/03 25 415098 N 11/01/33 0 8876886 A35/G02 F 264,000.00 ZZ 360 263,772.70 1 6.750 1,712.29 80 6.500 1,712.29 AMITY HARBOR NY 11701 1 10/09/03 00 0437088321 05 12/01/03 0 1 O 11/01/33 0 8877024 H58/G02 F 540,000.00 ZZ 360 536,089.01 1 5.875 3,194.31 64 5.625 3,194.31 GLEN ELLEN CA 95442 5 04/15/03 00 0437031222 05 06/01/03 0 148004 O 05/01/33 0 8877378 N74/G02 F 124,000.00 ZZ 360 124,000.00 1 6.125 753.44 80 5.875 753.44 LEHI UT 84043 2 10/31/03 00 0437019987 05 01/01/04 0 0033691011 O 12/01/33 0 8877488 P34/G02 F 135,000.00 ZZ 360 134,865.60 1 6.000 809.40 73 5.750 809.40 GREENFIELD MA 01301 5 10/27/03 00 0437024292 05 12/01/03 0 16721 O 11/01/33 0 1 8877532 N47/G02 F 260,000.00 ZZ 360 260,000.00 1 6.125 1,579.79 67 5.875 1,579.79 SAN DIEGO CA 92126 1 11/07/03 00 0437029051 05 01/01/04 0 30510005 O 12/01/33 0 8877534 N47/G02 F 360,000.00 ZZ 360 360,000.00 1 6.250 2,216.58 80 6.000 2,216.58 SALINAS CA 93907 1 11/05/03 00 0437028400 03 01/01/04 0 20512539 O 12/01/33 0 8877568 N47/G02 F 296,400.00 ZZ 360 296,400.00 4 6.875 1,947.14 65 6.625 1,947.14 VALLEJO CA 94590 5 11/06/03 00 0437029374 05 01/01/04 0 20512639 N 12/01/33 0 8877768 X31/G02 F 85,000.00 ZZ 360 85,000.00 1 6.875 558.39 85 6.625 558.39 SPRINGFIELD OR 97477 5 11/06/03 19 0437012347 05 01/01/04 12 59001347 O 12/01/33 0 8877770 E47/G02 F 296,000.00 ZZ 360 295,705.33 2 6.000 1,774.67 68 5.750 1,774.67 NORWALK CT 06850 2 10/30/03 00 0437049810 05 12/01/03 0 7359010171 O 11/01/33 0 8877812 E22/G02 F 142,100.00 ZZ 360 142,100.00 1 6.375 886.52 85 6.125 886.52 1 ANNISTON AL 36207 5 11/12/03 01 0417578648 05 01/01/04 12 0417578648 O 12/01/33 0 8877818 E22/G02 F 152,000.00 ZZ 360 152,000.00 1 6.375 948.28 95 6.125 948.28 BIRMINGHAM AL 35209 1 11/17/03 11 0418134953 05 01/01/04 35 0418134953 O 12/01/33 0 8877842 E22/G02 F 180,000.00 ZZ 360 180,000.00 1 6.500 1,137.72 80 6.250 1,137.72 WALLA WALLA WA 99362 1 11/04/03 00 0418372934 05 01/01/04 0 0418372934 O 12/01/33 0 8877850 R84/G02 F 110,400.00 ZZ 360 110,400.00 1 6.500 697.80 80 6.250 697.80 LAS VEGAS NV 89107 1 11/12/03 00 0437010796 05 01/01/04 0 LVW7208 N 12/01/33 0 8877856 E22/G02 F 82,000.00 ZZ 360 82,000.00 1 5.875 485.06 34 5.625 485.06 DANBURY CT 06811 2 11/12/03 00 0418441630 01 01/01/04 0 0418441630 O 12/01/33 0 8877906 E22/G02 F 152,000.00 ZZ 360 152,000.00 2 7.750 1,088.95 95 7.500 1,088.95 SPEEDWAY IN 46224 5 11/12/03 04 0418583480 05 01/01/04 30 0418583480 O 12/01/33 0 1 8877926 E22/G02 F 120,200.00 ZZ 360 120,200.00 1 6.500 759.75 73 6.250 759.75 COLORADO SPRING CO 80911 2 11/10/03 00 0418633004 05 01/01/04 0 0418633004 O 12/01/33 0 8877982 E22/G02 F 93,000.00 ZZ 360 93,000.00 1 7.625 658.25 89 7.375 658.25 MARRERO LA 70072 2 11/17/03 01 0418723300 05 01/01/04 25 0418723300 N 12/01/33 0 8877984 E22/G02 F 75,700.00 ZZ 360 75,700.00 1 6.000 453.86 64 5.750 453.86 SCHERTZ TX 78154 2 11/11/03 00 0418728408 03 01/01/04 0 0418728408 O 12/01/33 0 8877988 E22/G02 F 256,500.00 TX 360 256,500.00 1 6.125 1,558.52 74 5.875 1,558.52 KINGSLAND TX 78639 5 11/10/03 00 0418735288 03 01/01/04 0 0418735288 O 12/01/33 0 8877992 E22/G02 F 170,000.00 ZZ 360 170,000.00 1 6.625 1,088.53 78 6.375 1,088.53 WELLINGTON FL 33414 5 11/12/03 00 0418750196 03 01/01/04 0 0418750196 O 12/01/33 0 8878022 E22/G02 F 216,000.00 TX 360 216,000.00 1 1 6.625 1,383.07 80 6.375 1,383.07 LAGO VISTA TX 78645 5 11/10/03 00 0418878022 03 01/01/04 0 0418776589 O 12/01/33 0 8878050 E22/G02 F 480,000.00 ZZ 360 480,000.00 1 6.375 2,994.58 80 6.125 2,994.58 ELK GROVE CA 95758 1 11/10/03 00 0418788741 05 01/01/04 0 0418788741 O 12/01/33 0 8878100 E22/G02 F 168,000.00 TX 360 168,000.00 1 6.750 1,089.64 80 6.500 1,089.64 HOUSTON TX 77090 5 11/06/03 00 0418821203 03 01/01/04 0 0418821203 O 12/01/33 0 8878126 E22/G02 F 203,400.00 ZZ 360 203,400.00 1 6.250 1,252.37 90 6.000 1,252.37 HENDERSON NV 89052 1 11/07/03 01 0418854212 03 01/01/04 25 0418854212 O 12/01/33 0 8878134 E22/G02 F 144,000.00 ZZ 360 144,000.00 1 6.500 910.18 90 6.250 910.18 KINGFISHER OK 73750 2 11/11/03 01 0418856894 03 01/01/04 25 0418856894 O 12/01/33 0 8878152 E22/G02 F 117,000.00 ZZ 360 117,000.00 4 6.750 758.86 71 6.500 758.86 WENATCHEE WA 98801 2 11/10/03 00 0418865812 05 01/01/04 0 1 0418865812 N 12/01/33 0 8878172 E22/G02 F 134,425.00 ZZ 360 134,425.00 1 7.375 928.44 95 7.125 928.44 TUSCALOOSA AL 35405 5 11/10/03 11 0418875605 05 01/01/04 30 0418875605 O 12/01/33 0 8878174 E22/G02 F 156,000.00 ZZ 360 156,000.00 1 6.375 973.24 80 6.125 973.24 LAKE ARROWHEAD CA 92352 1 11/06/03 00 0418875944 05 01/01/04 0 0418875944 N 12/01/33 0 8878204 E22/G02 F 135,000.00 ZZ 360 135,000.00 1 6.625 864.42 75 6.375 864.42 MATHESON CO 80830 5 11/10/03 00 0418891131 05 01/01/04 0 0418891131 O 12/01/33 0 8878236 E22/G02 F 160,000.00 ZZ 360 160,000.00 1 6.500 1,011.31 72 6.250 1,011.31 WELLINGTON FL 33414 5 11/12/03 00 0418901138 03 01/01/04 0 0418901138 O 12/01/33 0 8878244 E22/G02 F 81,000.00 ZZ 360 81,000.00 3 6.875 532.11 90 6.625 532.11 KNOXVILLE TN 37921 1 11/17/03 10 0418908166 05 01/01/04 25 0418908166 N 12/01/33 0 1 8878254 E22/G02 F 447,000.00 ZZ 360 447,000.00 1 6.125 2,716.02 75 5.875 2,716.02 SAN DIEGO CA 92131 2 11/03/03 00 0418913976 05 01/01/04 0 0418913976 O 12/01/33 0 8878272 E22/G02 F 136,000.00 ZZ 360 136,000.00 1 6.625 870.82 80 6.375 870.82 PORTLAND OR 97206 5 11/11/03 00 0418918314 05 01/01/04 0 0418918314 O 12/01/33 0 8878284 E22/G02 F 63,800.00 ZZ 360 63,800.00 1 7.125 429.83 90 6.875 429.83 WICHITA KS 67211 5 11/11/03 01 0418920021 05 01/01/04 25 0418920021 O 12/01/33 0 8878340 E22/G02 F 151,920.00 ZZ 360 151,920.00 1 6.500 960.24 80 6.250 960.24 HILLSBORO OR 97124 1 11/03/03 00 0418925244 03 01/01/04 0 0418925244 O 12/01/33 0 8878370 E22/G02 F 174,400.00 ZZ 360 174,400.00 1 6.375 1,088.03 80 6.125 1,088.03 MILFORD MI 48380 2 11/10/03 00 0418936506 05 01/01/04 0 0418936506 O 12/01/33 0 8878382 E22/G02 F 249,500.00 ZZ 360 249,500.00 1 6.375 1,556.56 80 6.125 1,556.56 1 ATLANTA GA 30307 2 11/12/03 00 0418940979 05 01/01/04 0 0418940979 O 12/01/33 0 8878394 952/G02 F 64,000.00 ZZ 360 64,000.00 1 6.500 404.52 80 6.250 404.52 HOLIDAY FL 34690 5 11/05/03 00 0437018476 05 01/01/04 0 03531673 O 12/01/33 0 8878410 E22/G02 F 104,000.00 ZZ 360 104,000.00 1 7.000 691.91 90 6.750 691.91 FLINT MI 48507 5 11/10/03 01 0418947602 05 01/01/04 25 0418947602 O 12/01/33 0 8878420 E22/G02 F 340,000.00 TX 360 340,000.00 1 6.375 2,121.16 80 6.125 2,121.16 SAN ANTONIO TX 78218 5 11/07/03 00 0418951968 05 01/01/04 0 0418951968 O 12/01/33 0 8878424 E22/G02 F 156,800.00 ZZ 360 156,800.00 1 6.625 1,004.01 80 6.375 1,004.01 RICHMOND TX 77469 1 11/17/03 00 0418954939 03 01/01/04 0 0418954939 O 12/01/33 0 8878442 E22/G02 F 260,000.00 ZZ 360 260,000.00 1 6.250 1,600.86 80 6.000 1,600.86 DELTA CO 81416 5 11/10/03 00 0418963229 05 01/01/04 0 0418963229 O 12/01/33 0 1 8878464 E22/G02 F 189,500.00 ZZ 360 189,500.00 1 6.250 1,166.78 73 6.000 1,166.78 BURKE VA 22015 2 11/11/03 00 0418968814 09 01/01/04 0 0418968814 O 12/01/33 0 8878500 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 7.500 699.21 47 7.250 699.21 COMMERCE TOWNSH MI 48382 5 11/17/03 00 0418976932 05 01/01/04 0 0418976932 N 12/01/33 0 8878560 E22/G02 F 207,000.00 ZZ 360 207,000.00 1 6.375 1,291.41 90 6.125 1,291.41 FRESNO CA 93722 5 11/07/03 04 0418984183 05 01/01/04 25 0418984183 O 12/01/33 0 8878666 E22/G02 F 148,950.00 ZZ 360 148,950.00 1 6.750 966.09 90 6.500 966.09 PORT ST. LUCIE FL 34986 1 11/17/03 04 0419010988 03 01/01/04 25 0419010988 N 12/01/33 0 8878698 K15/G02 F 278,400.00 ZZ 360 278,160.30 1 6.750 1,805.70 85 6.500 1,805.70 NORTH BABYLON NY 11703 5 10/25/03 41 0437028343 05 12/01/03 12 011205523494 O 11/01/33 0 8878724 E22/G02 F 160,000.00 ZZ 360 160,000.00 1 1 6.500 1,011.31 80 6.250 1,011.31 SANDY UT 84094 5 11/10/03 00 0419036488 05 01/01/04 0 0419036488 O 12/01/33 0 8878760 E22/G02 F 89,250.00 ZZ 360 89,250.00 1 6.500 564.12 70 6.250 564.12 ARLINGTON TN 38002 5 11/12/03 00 0419060280 05 01/01/04 0 0419060280 O 12/01/33 0 8878786 E22/G02 F 90,000.00 ZZ 360 90,000.00 1 7.250 613.96 86 7.000 613.96 BAKERSFIELD CA 93306 5 11/11/03 04 0419086814 05 01/01/04 25 0419086814 O 12/01/33 0 8878796 E22/G02 F 96,000.00 ZZ 360 96,000.00 1 6.625 614.70 72 6.375 614.70 COLORADO SPRING CO 80915 2 11/17/03 00 0419093059 05 01/01/04 0 0419093059 N 12/01/33 0 8878858 K15/G02 F 76,000.00 ZZ 360 75,942.17 1 7.375 524.91 34 7.125 524.91 PICO RIVERA CA 90660 5 10/27/03 00 0437020217 05 12/01/03 0 024805514779 O 11/01/33 0 8878896 K15/G02 F 322,000.00 ZZ 360 322,000.00 1 6.125 1,956.51 78 5.875 1,956.51 SALISBURY NH 03268 5 11/07/03 00 0437028350 05 01/01/04 0 1 032005523402 O 12/01/33 0 8878904 K15/G02 F 77,900.00 ZZ 360 77,843.62 1 7.625 551.37 95 7.375 551.37 CANTON OH 44705 5 10/27/03 41 0437038631 05 12/01/03 30 036905513410 O 11/01/33 0 8879016 G75/G02 F 143,100.00 ZZ 360 142,991.11 1 7.375 988.36 90 7.125 988.36 CHANNAHON IL 60410 1 10/31/03 10 0437013063 05 12/01/03 25 5314810 O 11/01/33 0 8879288 T44/G02 F 182,000.00 ZZ 360 181,858.02 4 7.250 1,241.56 70 7.000 1,241.56 VISALIA CA 93277 2 10/29/03 00 0437051337 05 12/01/03 0 1095706 N 11/01/33 0 8879324 F89/G02 F 152,910.00 ZZ 360 152,910.00 1 6.750 991.77 90 6.500 991.77 HEMET CA 92545 1 11/06/03 12 0437029929 03 01/01/04 25 14036611 N 12/01/33 0 8879398 U05/G02 F 43,100.00 ZZ 360 43,068.02 1 7.500 301.36 65 7.250 301.36 KIRBY TX 78219 2 10/28/03 00 0437020514 05 12/01/03 0 3382722 N 11/01/33 0 1 8879544 967/G02 F 83,250.00 ZZ 360 83,250.00 2 7.500 582.10 90 7.250 582.10 BREMERTON WA 98312 1 10/29/03 26 0437047814 05 01/01/04 25 10059343 N 12/01/33 0 8879584 U05/G02 F 56,550.00 ZZ 360 56,550.00 1 6.000 339.05 74 5.750 339.05 MESQUITE TX 75150 2 11/07/03 00 0437020274 07 01/01/04 0 3390264 O 12/01/33 0 8880486 U05/G02 F 109,600.00 TX 360 109,510.16 1 7.000 729.17 80 6.750 729.17 PIPE CREEK TX 78063 5 10/24/03 00 0437020043 05 12/01/03 0 3000378647 O 11/01/33 0 8880818 G75/G02 F 60,000.00 ZZ 360 59,945.75 1 6.500 379.25 73 6.250 379.25 BELL CUCKLE TN 37020 1 10/24/03 00 0437012537 05 12/01/03 0 5281895 O 11/01/33 0 8880914 E47/G02 F 82,500.00 T 360 82,428.97 1 6.750 535.09 75 6.500 535.09 SAINT PETERSBUR FL 33710 5 10/28/03 00 0437015787 05 12/01/03 0 7361015687 O 11/01/33 0 8880976 E47/G02 F 125,000.00 ZZ 360 124,902.49 1 7.250 852.72 80 7.000 852.72 1 WESLEY CHAPEL FL 33543 1 10/27/03 00 0437015803 05 12/01/03 0 7361015659 O 11/01/33 0 8880978 T23/G02 F 61,500.00 ZZ 360 61,500.00 1 6.950 407.10 79 6.700 407.10 NEWARK OH 43055 2 11/14/03 00 0437028277 05 01/01/04 0 7052 O 12/01/33 0 8881052 U42/G02 F 252,200.00 ZZ 360 252,200.00 1 6.750 1,635.76 47 6.500 1,635.76 COLORADO SPRING CO 80919 5 11/10/03 00 0437021736 05 01/01/04 0 32300663 O 12/01/33 0 8881238 601/G02 F 457,600.00 ZZ 360 457,165.81 1 6.250 2,817.52 80 6.000 2,817.52 MEDFORD OR 97504 1 09/30/03 00 0437032477 05 12/01/03 0 83371203 O 11/01/33 0 8881250 601/G02 F 419,200.00 T 360 418,383.06 1 6.125 2,547.10 80 5.875 2,547.10 FRIDAY HARBOR WA 98250 1 09/19/03 00 0437017973 03 11/01/03 0 83194738 O 10/01/33 0 8881266 601/G02 F 453,990.00 ZZ 360 416,828.88 1 5.500 2,577.71 70 5.250 2,577.71 NORTH LIBERTY IA 52317 5 09/26/03 00 0437031388 03 11/01/03 0 82607979 O 10/01/33 0 1 8881278 601/G02 F 580,000.00 ZZ 360 578,785.98 1 5.750 3,384.73 74 5.500 3,384.73 EDINA MN 55424 2 09/05/03 00 0437033491 05 11/01/03 0 82694308 O 10/01/33 0 8881282 601/G02 F 401,450.00 ZZ 360 400,186.56 1 5.750 2,342.75 77 5.500 2,342.75 FAIRFAX STATION VA 22039 2 08/14/03 00 0437015621 03 10/01/03 0 82693979 O 09/01/33 0 8881430 E22/G02 F 357,300.00 ZZ 360 357,300.00 1 6.750 2,317.44 90 6.500 2,317.44 BRIGHTON MA 02135 1 11/18/03 01 0419113188 05 01/01/04 30 0419113188 O 12/01/33 0 8881442 E22/G02 F 96,000.00 ZZ 360 96,000.00 1 6.250 591.09 79 6.000 591.09 SPRINGDALE WA 99173 5 11/10/03 00 0418039137 05 01/01/04 0 0418039137 O 12/01/33 0 8881516 E22/G02 F 62,000.00 TX 360 62,000.00 1 6.375 386.80 73 6.125 386.80 BURLESON TX 76028 5 11/12/03 00 0418675393 05 01/01/04 0 0418675393 O 12/01/33 0 8881526 E22/G02 F 468,000.00 ZZ 360 468,000.00 2 1 6.125 2,843.62 77 5.875 2,843.62 DANA POINT CA 92624 2 11/10/03 00 0418740601 05 01/01/04 0 0418740601 O 12/01/33 0 8881590 E22/G02 F 210,000.00 ZZ 360 210,000.00 1 6.375 1,310.13 75 6.125 1,310.13 FRUITA CO 81521 5 11/13/03 00 0418869863 05 01/01/04 0 0418869863 O 12/01/33 0 8881646 E22/G02 F 399,200.00 ZZ 360 399,200.00 1 6.375 2,490.49 80 6.125 2,490.49 CAMARILLO CA 93010 1 11/13/03 00 0418900676 05 01/01/04 0 0418900676 O 12/01/33 0 8881650 E22/G02 F 166,500.00 ZZ 360 166,500.00 1 6.625 1,066.12 90 6.375 1,066.12 LOS BANOS CA 93635 2 11/10/03 11 0418903209 05 01/01/04 25 0418903209 N 12/01/33 0 8881704 E22/G02 F 525,000.00 ZZ 360 525,000.00 1 6.125 3,189.96 77 5.875 3,189.96 PLEASANTON CA 94588 1 11/06/03 00 0418984480 05 01/01/04 0 0418984480 O 12/01/33 0 8881760 E22/G02 F 105,660.00 ZZ 360 105,660.00 1 6.750 685.31 90 6.500 685.31 NORTH OGDEN UT 84414 1 11/13/03 10 0419021498 05 01/01/04 30 1 0419021498 O 12/01/33 0 8881788 E22/G02 F 99,500.00 ZZ 240 99,500.00 1 6.250 727.27 53 6.000 727.27 FRANKLIN PARK IL 60131 2 11/13/03 00 0419060074 05 01/01/04 0 0419060074 O 12/01/23 0 8881856 H81/G02 F 80,850.00 ZZ 360 80,850.00 1 6.625 517.69 55 6.375 517.69 CHICAGO IL 60651 5 11/14/03 00 0437034044 05 01/01/04 0 WH21636 O 12/01/33 0 8881922 S43/G02 F 147,250.00 ZZ 360 147,250.00 1 6.500 930.72 79 6.250 930.72 BELEN NM 87002 2 11/14/03 00 0437032204 05 01/01/04 0 181030055700 O 12/01/33 0 8882106 A52/G02 F 112,500.00 ZZ 360 112,500.00 1 6.875 739.04 90 6.625 739.04 FAIRFIELD AL 35064 5 11/13/03 11 0437025141 05 01/01/04 25 27939 O 12/01/33 0 8882180 G51/G02 F 112,000.00 ZZ 360 112,000.00 1 6.500 707.92 80 6.250 707.92 MANITOU SPRINGS CO 80829 5 11/07/03 00 0437021173 05 01/01/04 0 04000910 O 12/01/33 0 1 8882374 N74/G02 F 139,050.00 ZZ 360 138,924.30 1 6.500 878.89 90 6.250 878.89 GREENSBORO NC 27403 1 10/31/03 10 0437051097 05 12/01/03 25 0033686010 N 11/01/33 0 8882526 X84/G02 F 276,000.00 ZZ 360 276,000.00 1 6.500 1,744.52 65 6.250 1,744.52 WESTMINSTER MD 21157 5 11/10/03 00 0437039696 05 01/01/04 0 1 O 12/01/33 0 8883414 313/G02 F 150,000.00 ZZ 360 150,000.00 1 7.500 1,048.83 80 7.250 1,048.83 GILBERT AZ 85233 1 11/11/03 00 0437022304 05 01/01/04 0 0009929282 N 12/01/33 0 8883598 T44/G02 F 92,000.00 ZZ 360 91,935.07 1 7.750 659.10 80 7.500 659.10 LAS VEGAS NV 89118 1 10/23/03 00 0437027808 01 12/01/03 0 1095959 N 11/01/33 0 8884308 L20/G02 F 295,650.00 ZZ 360 295,650.00 1 6.550 1,878.44 70 6.300 1,878.44 SANDY UT 84093 2 11/12/03 00 0437032006 05 01/01/04 0 1271000023 O 12/01/33 0 8885546 N74/G02 F 72,000.00 ZZ 360 71,930.02 1 6.125 437.48 80 5.875 437.48 1 PORTSMOUTH VA 23702 2 10/31/03 00 0437038334 05 12/05/03 0 0033669010 N 11/05/33 0 8888856 F36/G02 F 56,250.00 ZZ 360 56,203.89 1 7.000 374.23 75 6.750 374.23 CENTRALIA WA 98531 5 10/29/03 00 0437030489 05 12/01/03 0 06407585 N 11/01/33 0 8888998 E22/G02 F 80,000.00 ZZ 360 80,000.00 1 6.375 499.10 80 6.125 499.10 FLORENCE NJ 08518 5 11/14/03 00 0418969994 05 01/01/04 0 0418969994 O 12/01/33 0 8889008 E22/G02 F 377,500.00 ZZ 360 377,500.00 1 6.375 2,355.11 78 6.125 2,355.11 SACRAMENTO CA 95819 5 11/13/03 00 0418980553 05 01/01/04 0 0418980553 O 12/01/33 0 8889016 E22/G02 F 58,300.00 ZZ 360 58,300.00 1 7.125 392.78 80 6.875 392.78 MESQUITE TX 75149 1 11/19/03 00 0418982963 05 01/01/04 0 0418982963 N 12/01/33 0 8889024 E22/G02 F 348,000.00 ZZ 360 348,000.00 1 6.500 2,199.60 71 6.250 2,199.60 HOLTSVILLE NY 11742 5 11/14/03 00 0418989364 05 01/01/04 0 0418989364 O 12/01/33 0 1 8889038 E22/G02 F 295,468.00 ZZ 360 295,468.00 1 6.375 1,843.34 80 6.125 1,843.34 DACULA GA 30019 1 11/19/03 00 0419000070 05 01/01/04 0 0419000070 O 12/01/33 0 8889048 E22/G02 F 220,000.00 ZZ 360 220,000.00 1 6.750 1,426.92 89 6.500 1,426.92 WARRENTON VA 20187 5 11/14/03 10 0419004445 05 01/01/04 25 0419004445 O 12/01/33 0 8889052 E22/G02 F 302,000.00 ZZ 360 302,000.00 2 6.250 1,859.47 79 6.000 1,859.47 REVERE MA 02151 2 11/14/03 00 0419011341 05 01/01/04 0 0419011341 O 12/01/33 0 8889088 E22/G02 F 203,000.00 ZZ 360 203,000.00 1 6.250 1,249.91 70 6.000 1,249.91 VENTURA CA 93003 1 11/13/03 00 0419033238 01 01/01/04 0 0419033238 N 12/01/33 0 8889096 E22/G02 F 216,000.00 ZZ 360 216,000.00 1 6.500 1,365.27 80 6.250 1,365.27 SONORA CA 95370 1 11/13/03 00 0419034863 05 01/01/04 0 0419034863 O 12/01/33 0 8889102 E22/G02 F 219,600.00 ZZ 360 219,600.00 4 1 7.000 1,461.00 90 6.750 1,461.00 WEST VALLEY CIT UT 84119 1 11/14/03 04 0419046891 05 01/01/04 25 0419046891 N 12/01/33 0 8889152 E22/G02 F 79,200.00 ZZ 360 79,200.00 1 6.500 500.60 80 6.250 500.60 ZEBULON NC 27597 2 11/19/03 00 0419071824 05 01/01/04 0 0419071824 N 12/01/33 0 8889154 E22/G02 F 107,200.00 TX 360 107,200.00 1 6.375 668.79 80 6.125 668.79 CARROLLTON TX 75007 5 11/14/03 00 0419071873 05 01/01/04 0 0419071873 O 12/01/33 0 8889238 E22/G02 F 40,500.00 ZZ 360 40,500.00 1 7.250 276.28 75 7.000 276.28 SPARTANBURG SC 29301 5 11/19/03 00 0418565537 05 01/01/04 0 0418565537 N 12/01/33 0 8889248 E22/G02 F 360,000.00 ZZ 360 360,000.00 1 6.125 2,187.40 80 5.875 2,187.40 STOW MA 01775 5 11/14/03 00 0418587820 05 01/01/04 0 0418587820 O 12/01/33 0 8889258 E22/G02 F 310,800.00 ZZ 360 310,800.00 1 6.250 1,913.65 78 6.000 1,913.65 FORNEY TX 75126 2 11/14/03 00 0418614186 03 01/01/04 0 1 0418614186 O 12/01/33 0 8889310 E22/G02 F 99,000.00 ZZ 360 99,000.00 1 6.500 625.75 74 6.250 625.75 PHILO OH 43771 5 11/14/03 00 0418736526 05 01/01/04 0 0418736526 O 12/01/33 0 8889320 E22/G02 F 650,000.00 ZZ 360 650,000.00 1 6.250 4,002.16 74 6.000 4,002.16 SHELBY AL 35143 5 11/14/03 00 0418752267 05 01/01/04 0 0418752267 O 12/01/33 0 8889382 E22/G02 F 144,000.00 ZZ 360 144,000.00 1 6.500 910.18 85 6.250 910.18 DAPHNE AL 36526 5 11/14/03 10 0418857173 05 01/01/04 12 0418857173 O 12/01/33 0 8889392 E22/G02 F 147,250.00 ZZ 360 147,250.00 1 7.500 1,029.59 95 7.250 1,029.59 BOYNTON BEACH FL 33437 5 11/14/03 01 0418880076 05 01/01/04 30 0418880076 O 12/01/33 0 8889440 E22/G02 F 515,000.00 ZZ 360 515,000.00 1 6.250 3,170.94 74 6.000 3,170.94 FRESNO CA 93711 1 11/14/03 00 0418913570 05 01/01/04 0 0418913570 O 12/01/33 0 1 8889454 E22/G02 F 288,000.00 ZZ 360 288,000.00 1 6.875 1,891.95 80 6.625 1,891.95 NOTTINGHAM MD 21236 5 11/14/03 00 0418923389 05 01/01/04 0 0418923389 O 12/01/33 0 8889808 U05/G02 F 143,200.00 ZZ 360 143,200.00 1 6.375 893.38 80 6.125 893.38 DILLON CO 80435 1 11/07/03 00 0437030885 05 01/01/04 0 3000412134 O 12/01/33 0 8889824 K15/G02 F 248,000.00 TX 360 248,000.00 1 6.500 1,567.53 80 6.250 1,567.53 KINGWOOD TX 77346 5 11/03/03 00 0437037138 03 01/01/04 0 031705513235 O 12/01/33 0 8889888 K15/G02 F 61,000.00 ZZ 240 61,000.00 1 6.875 468.37 68 6.625 468.37 GLENDALE AZ 85302 5 11/06/03 00 0437038508 05 01/01/04 0 021705514974 O 12/01/23 0 8889976 N34/G02 F 184,000.00 ZZ 360 184,000.00 1 7.250 1,255.20 80 7.000 1,255.20 CHICAGO IL 60618 1 11/18/03 00 0437048283 05 01/01/04 0 123334401 N 12/01/33 0 8890328 E82/G02 F 80,000.00 ZZ 360 80,000.00 1 7.625 566.23 77 7.375 566.23 1 HUMMELSTOWN PA 17036 5 11/13/03 00 0400907796 05 01/01/04 0 0400907796 N 12/01/33 0 8890330 E82/G02 F 352,000.00 ZZ 360 352,000.00 1 6.750 2,283.07 80 6.500 2,283.07 FAIRFIELD CA 94534 2 11/13/03 00 0400916268 05 01/01/04 0 0400916268 O 12/01/33 0 8890360 E82/G02 F 72,000.00 ZZ 360 72,000.00 1 7.500 503.43 27 7.250 503.43 OLYMPIC VALLEY CA 96146 2 11/14/03 00 0400911277 01 01/01/04 0 0400911277 N 12/01/33 0 8890378 144/144 F 166,500.00 ZZ 360 166,198.16 4 6.500 1,052.39 90 6.250 1,052.39 KERHONKSON NY 12404 1 09/03/03 11 160738682 05 11/01/03 25 160738682 N 10/01/33 0 8890412 144/144 F 313,500.00 ZZ 360 312,181.31 4 5.750 1,829.50 55 5.500 1,829.50 NYACK NY 10960 5 07/08/03 00 160730408 05 09/01/03 0 160730408 N 08/01/33 0 8890490 U05/G02 F 141,000.00 ZZ 360 141,000.00 1 6.500 891.22 67 6.250 891.22 MANTECA CA 95336 5 11/03/03 00 0437037666 05 01/01/04 0 3435528 O 12/01/33 0 1 8890500 144/144 F 57,000.00 ZZ 360 57,000.00 1 6.375 355.61 30 6.125 355.61 HOPEWELL JUNCTI NY 12533 5 11/07/03 00 1 05 01/01/04 0 1 O 12/01/33 0 8890648 U05/G02 F 374,000.00 ZZ 360 374,000.00 2 6.500 2,363.93 85 6.250 2,363.93 TUSTIN CA 92780 1 11/07/03 14 0437034465 05 01/01/04 12 3431731 O 12/01/33 0 8890992 P44/G02 F 184,000.00 ZZ 360 184,000.00 1 6.375 1,147.92 80 6.125 1,147.92 LAS VEGAS NV 89123 1 11/14/03 00 0437031412 05 01/01/04 0 0310140000 O 12/01/33 0 8891172 T08/G02 F 286,950.00 ZZ 360 286,690.59 1 6.500 1,813.72 80 6.250 1,813.72 GAINESVILLE VA 20155 1 10/28/03 00 0437023187 03 12/01/03 0 31201082 O 11/01/33 0 8891210 408/G02 F 75,950.00 ZZ 360 75,890.74 1 7.250 518.12 79 7.000 518.12 COATSVILLE IN 46121 2 11/06/03 00 0437044811 05 12/01/03 0 703039378 N 11/01/33 0 8891406 950/G02 F 150,000.00 ZZ 360 150,000.00 1 1 6.625 960.47 79 6.375 960.47 WESTLAKE OR 97439 2 10/30/03 00 0437040124 05 01/01/04 0 EW39012 O 12/01/33 0 8891458 F62/F62 F 134,000.00 T 360 134,000.00 1 6.500 846.97 80 6.250 846.97 NORTH PORT FL 34287 1 11/14/03 00 1 09 01/01/04 0 1 O 12/01/33 0 8891504 E47/G02 F 65,000.00 T 360 65,000.00 1 6.500 410.84 27 6.250 410.84 OCEAN CITY MD 21842 5 11/06/03 00 0437039118 01 01/01/04 0 7338511535 O 12/01/33 0 8891576 A52/G02 F 126,000.00 ZZ 360 126,000.00 1 7.375 870.25 90 7.125 870.25 UNION CITY GA 30291 2 11/18/03 11 0437037591 03 01/01/04 25 28032 N 12/01/33 0 8891614 U05/G02 F 112,800.00 ZZ 360 112,800.00 1 6.875 741.02 80 6.625 741.02 DALLAS TX 75229 1 11/12/03 00 0437039050 05 01/01/04 0 3000410993 N 12/01/33 0 8891625 W98/G02 F 189,600.00 ZZ 360 189,415.72 1 6.125 1,152.03 80 5.875 1,152.03 MANASSAS VA 20110 2 10/21/03 00 0436964548 09 12/01/03 0 1 F0300409 O 11/01/33 0 8891640 Y69/G02 F 137,700.00 ZZ 360 137,581.44 1 6.750 893.12 90 6.500 893.12 LAND O LAKES FL 34639 1 10/14/03 11 0437042054 03 12/01/03 25 6033359 N 11/01/33 0 8891642 Y69/G02 F 75,000.00 ZZ 240 74,847.07 1 6.500 559.18 72 6.250 559.18 WAGGAMAN LA 70094 5 10/03/03 00 0437042153 05 12/01/03 0 6032773 O 11/01/23 0 8891645 W98/G02 F 156,800.00 ZZ 360 156,658.25 1 6.500 991.08 71 6.250 991.08 LEESBURG VA 20176 2 10/31/03 00 0436956239 09 12/01/03 0 L0310024 O 11/01/33 0 8891652 Y69/G02 F 81,450.00 ZZ 360 81,450.00 1 6.625 521.53 90 6.375 521.53 MIDLOTHIAN TX 76065 1 11/03/03 01 0437045479 05 01/01/04 25 6032099 N 12/01/33 0 8891656 Y69/G02 F 73,600.00 T 360 73,533.47 1 6.500 465.20 80 6.250 465.20 ORLANDO FL 32826 1 10/17/03 00 0437041627 05 12/01/03 0 6034535 O 11/01/33 0 1 8891660 Y69/G02 F 138,200.00 ZZ 360 138,068.87 1 6.250 850.92 80 6.000 850.92 GLENDALE AZ 85303 1 10/21/03 00 0437041601 03 12/01/03 0 6034578 O 11/01/33 0 8891662 Y69/G02 F 104,958.00 T 360 104,865.40 1 6.625 672.06 90 6.375 672.06 FOUNTAIN HILLS AZ 85268 1 10/29/03 12 0437045495 05 12/01/03 25 6034608 O 11/01/33 0 8891690 Y69/G02 F 180,000.00 ZZ 360 179,841.19 1 6.625 1,152.56 90 6.375 1,152.56 TAMPA FL 33629 1 10/17/03 11 0437038540 05 12/01/03 25 6033550 N 11/01/33 0 8891713 Q51/G02 F 300,000.00 ZZ 360 300,000.00 2 6.500 1,896.20 75 6.250 1,896.20 ROSEMEAD CA 91770 1 11/04/03 00 0437031750 05 01/01/04 0 123720401W31103 O 12/01/33 0 8891725 E23/G02 F 252,000.00 ZZ 360 251,783.03 1 6.750 1,634.47 70 6.500 1,634.47 BORING OR 97009 5 10/20/03 00 0437024151 05 12/01/03 0 11024297 N 11/01/33 0 8891768 G27/G02 F 147,600.00 ZZ 360 147,600.00 1 6.750 957.33 90 6.500 957.33 1 VISALIA CA 93277 2 11/11/03 04 0437059017 05 01/01/04 25 20503284 O 12/01/33 0 8891794 A46/G02 F 260,000.00 ZZ 360 260,000.00 1 6.875 1,708.02 80 6.625 1,708.02 ALBUQUERQUE NM 87107 1 11/14/03 00 0437035249 05 01/01/04 0 0983206 O 12/01/33 0 8891846 W68/G02 F 153,475.00 TX 360 153,475.00 1 6.250 944.97 63 6.000 944.97 AMARILLO TX 79121 5 11/06/03 00 0437044480 05 01/01/04 0 3071919 O 12/01/33 0 8891892 H58/G02 F 343,600.00 ZZ 360 343,600.00 1 6.625 2,200.11 80 6.375 2,200.11 EL DORADO HILLS CA 95762 1 11/10/03 00 0437040181 05 01/01/04 0 0000198087 O 12/01/33 0 8892056 N74/G02 F 66,800.00 ZZ 360 66,739.61 1 6.500 422.22 86 6.250 422.22 CRESTVIEW FL 32536 5 11/07/03 10 0437081474 05 12/13/03 25 0033712010 O 11/13/33 0 8892092 K60/G02 F 59,578.00 ZZ 360 59,578.00 3 7.750 426.82 90 7.500 426.82 ALLENTOWN PA 18102 1 11/10/03 04 0437038151 05 01/01/04 25 85713 N 12/01/33 0 1 8892094 K15/G02 F 51,000.00 ZZ 360 51,000.00 1 6.625 326.56 85 6.375 326.56 HICKORY NC 28601 2 10/28/03 41 0437043326 01 01/01/04 12 017405523315 O 12/01/33 0 8892128 M07/G02 F 124,000.00 ZZ 360 124,000.00 1 7.000 824.98 80 6.750 824.98 RIALTO CA 92376 1 11/11/03 00 0437051295 03 01/01/04 0 02310199 N 12/01/33 0 8892167 E23/G02 F 270,000.00 ZZ 360 269,784.09 4 7.125 1,819.04 90 6.875 1,819.04 LOS ANGELES CA 90047 1 10/09/03 04 0437036247 05 12/01/03 25 51036834 N 11/01/33 0 8892338 E22/G02 F 58,500.00 ZZ 360 58,500.00 1 6.625 374.58 90 6.375 374.58 FORT WAYNE IN 46804 1 11/20/03 04 0418904504 05 01/01/04 25 0418904504 N 12/01/33 0 8892370 E22/G02 F 144,500.00 ZZ 360 144,500.00 1 6.500 913.34 75 6.250 913.34 SPARKS NV 89436 2 10/29/03 00 0418929444 05 01/01/04 0 0418929444 N 12/01/33 0 8892408 E22/G02 F 71,250.00 ZZ 360 71,250.00 1 1 6.750 462.13 95 6.500 462.13 VINTON VA 24179 1 11/20/03 10 0418981239 05 01/01/04 30 0418981239 O 12/01/33 0 8892412 E22/G02 F 129,600.00 ZZ 360 129,600.00 3 6.875 851.38 80 6.625 851.38 FRESNO CA 93706 1 11/13/03 00 0418986006 05 01/01/04 0 0418986006 N 12/01/33 0 8892414 E22/G02 F 140,000.00 ZZ 360 140,000.00 1 6.125 850.65 80 5.875 850.65 SPOKANE WA 99223 1 11/14/03 00 0419014089 05 01/01/04 0 0419014089 O 12/01/33 0 8892570 253/253 F 142,400.00 ZZ 360 142,400.00 1 6.625 911.81 80 6.375 911.81 LYNCHBURG VA 24502 5 11/12/03 00 333847 05 01/01/04 0 333847 O 12/01/33 0 8892580 E22/G02 F 196,000.00 T 360 196,000.00 1 5.875 1,159.41 80 5.625 1,159.41 PALM SPRINGS CA 92262 1 11/17/03 00 0419179973 05 01/01/04 0 0419179973 O 12/01/33 0 8892951 X31/G02 F 115,120.00 ZZ 360 115,120.00 1 6.250 708.81 80 6.000 708.81 EL MIRAGE AZ 85335 1 11/03/03 00 0437018336 03 01/01/04 0 1 70001600 O 12/01/33 0 8893323 E23/G02 F 223,000.00 ZZ 360 222,808.01 4 6.750 1,446.37 80 6.500 1,446.37 POMONA CA 91766 2 10/20/03 00 0437029622 05 12/01/03 0 51036975 N 11/01/33 0 8893457 E23/G02 F 172,000.00 ZZ 360 171,851.91 1 6.750 1,115.59 80 6.500 1,115.59 MORENO VALLEY CA 92557 1 10/24/03 00 0437037583 05 12/01/03 0 51037626 N 11/01/33 0 8893753 E23/G02 F 180,000.00 ZZ 360 179,845.02 1 6.750 1,167.48 80 6.500 1,167.48 MORENO VALLEY CA 92557 1 10/24/03 00 0437044415 03 12/01/03 0 510373624 N 11/01/33 0 8893755 E23/G02 F 320,000.00 ZZ 360 319,703.62 1 6.375 1,996.38 80 6.125 1,996.38 HEALDSBURG CA 95448 1 10/24/03 00 0437038383 05 12/01/03 0 62010985 O 11/01/33 0 8894009 E23/G02 F 645,000.00 ZZ 360 645,000.00 1 6.500 4,076.84 75 6.250 4,076.84 LOS ANGELES CA 91344 5 11/01/03 00 0437073299 05 01/01/04 0 51037810 O 12/01/33 0 1 8894051 E23/G02 F 377,000.00 ZZ 360 376,650.82 1 6.375 2,351.99 74 6.125 2,351.99 SANTA ROSA CA 95407 5 10/29/03 00 0437047806 05 12/01/03 0 51038166 O 11/01/33 0 8894079 E23/G02 F 475,000.00 ZZ 360 475,000.00 1 6.250 2,924.66 76 6.000 2,924.66 CERRITOS CA 90703 2 11/17/03 00 0437063399 05 01/01/04 0 51038753 O 12/01/33 0 8894705 E23/G02 F 280,000.00 ZZ 360 280,000.00 1 6.375 1,746.84 74 6.125 1,746.84 HERCULES CA 94547 5 11/04/03 00 0437057813 03 01/01/04 0 64003069 O 12/01/33 0 8894806 U45/G02 F 158,650.00 ZZ 360 158,650.00 1 5.750 925.84 95 5.500 925.84 SALT LAKE CITY UT 84108 1 11/14/03 04 0437050131 05 01/01/04 30 00205111 O 12/01/33 0 8894928 Q14/G02 F 105,000.00 T 360 105,000.00 1 7.000 698.57 73 6.750 698.57 DEEPWATER MO 64740 2 11/17/03 00 0437041049 05 01/01/04 0 0000316640 O 12/01/33 0 8894932 313/G02 F 164,000.00 T 360 164,000.00 1 6.750 1,063.71 80 6.500 1,063.71 1 VENICE FL 34293 1 11/14/03 00 0437040876 01 01/01/04 0 0009954447 O 12/01/33 0 8894974 144/144 F 64,710.00 ZZ 360 64,495.57 1 6.000 387.97 90 5.750 387.97 PORT JERVIS NY 12771 1 07/31/03 01 160733857 05 09/01/03 25 160733857 N 08/01/33 0 8895012 P59/G02 F 425,000.00 ZZ 360 424,596.74 1 6.250 2,616.80 67 6.000 2,616.80 SAN LUIS OBISPO CA 93401 1 10/03/03 00 0437043458 05 12/01/03 0 AT006485 O 11/01/33 0 8895017 N16/G02 F 198,750.00 ZZ 360 198,574.65 1 6.625 1,272.62 75 6.375 1,272.62 BOULDER CO 80301 5 11/05/03 00 0437070477 01 12/15/03 0 N16 N 11/15/33 0 8895021 X31/G02 F 81,250.00 ZZ 360 81,250.00 1 6.750 526.99 59 6.500 526.99 SAN BERNARDINO CA 92407 5 11/04/03 00 0437062490 05 01/01/04 0 1222684 O 12/01/33 0 8895298 F89/G02 F 204,300.00 ZZ 360 204,300.00 1 6.750 1,325.09 90 6.500 1,325.09 HEMET CA 92545 1 11/13/03 10 0437041270 05 01/01/04 25 37331 N 12/01/33 0 1 8895330 U85/G02 F 168,000.00 ZZ 360 167,293.35 1 5.750 980.40 80 5.500 980.40 GLENDALE WI 53217 1 07/31/03 00 0437030422 05 09/01/03 0 TQS388 O 08/01/33 0 8895408 Q87/G02 F 69,000.00 TX 360 68,937.62 1 6.500 436.13 75 6.250 436.13 COLLEGE STATION TX 77840 5 10/30/03 00 0437039670 05 12/04/03 0 SEWI02 O 11/04/33 0 8896241 E23/G02 F 132,000.00 ZZ 360 132,000.00 1 6.375 823.51 57 6.125 823.51 SOUTH GATE CA 90280 2 11/06/03 00 0437077472 05 01/01/04 0 51036635 N 12/01/33 0 8896363 E23/G02 F 127,500.00 ZZ 360 127,500.00 1 6.375 795.43 54 6.125 795.43 SOUTH GATE CA 90280 2 11/06/03 00 0437065469 05 01/01/04 0 51036636 N 12/01/33 0 8896886 E22/G02 F 165,000.00 ZZ 360 165,000.00 1 6.625 1,056.51 66 6.375 1,056.51 CHICAGO IL 60639 5 11/17/03 00 0418861472 05 01/01/04 0 0418861472 O 12/01/33 0 8896890 E22/G02 F 140,000.00 ZZ 360 140,000.00 1 1 6.625 896.44 80 6.375 896.44 OLDSMAR FL 34677 5 11/17/03 00 0418865960 03 01/01/04 0 0418865960 O 12/01/33 0 8896940 E22/G02 F 132,800.00 TX 360 132,800.00 1 6.250 817.67 80 6.000 817.67 WYLIE TX 75098 5 11/17/03 00 0418911442 05 01/01/04 0 0418911442 O 12/01/33 0 8896946 E22/G02 F 428,000.00 ZZ 360 428,000.00 1 5.875 2,531.78 73 5.625 2,531.78 DANA POINT CA 92629 5 11/13/03 00 0418925418 05 01/01/04 0 0418925418 O 12/01/33 0 8896970 E22/G02 F 152,000.00 ZZ 360 152,000.00 1 6.250 935.89 43 6.000 935.89 CORNWALL BRIDGE CT 06754 5 11/17/03 00 0418945879 05 01/01/04 0 0418945879 O 12/01/33 0 8897064 E22/G02 F 216,000.00 ZZ 360 215,822.95 4 7.000 1,437.05 80 6.750 1,437.05 SPOKANE WA 99202 1 10/10/03 00 0418699369 05 12/01/03 0 0418699369 N 11/01/33 0 8897078 E22/G02 F 216,000.00 ZZ 360 215,822.95 4 7.000 1,437.05 80 6.750 1,437.05 SPOKANE WA 99202 1 10/10/03 00 0418734638 05 12/01/03 0 1 0418734638 N 11/01/33 0 8897106 E22/G02 F 211,200.00 ZZ 360 211,026.88 4 7.000 1,405.12 80 6.750 1,405.12 SPOKANE WA 99202 1 10/10/03 00 0418810461 05 12/01/03 0 0418810461 N 11/01/33 0 8897150 E22/G02 F 72,000.00 ZZ 360 72,000.00 1 6.625 461.02 80 6.375 461.02 EASTON PA 18042 1 11/21/03 00 0418858379 07 01/01/04 0 0418858379 N 12/01/33 0 8897154 E22/G02 F 61,600.00 ZZ 360 61,600.00 1 6.625 394.43 80 6.375 394.43 SPOKANE WA 99205 2 11/14/03 00 0418860821 05 01/01/04 0 0418860821 N 12/01/33 0 8897162 E22/G02 F 340,000.00 ZZ 360 340,000.00 1 6.125 2,065.88 68 5.875 2,065.88 BOULDER CREEK CA 95006 2 11/12/03 00 0418953204 05 01/01/04 0 0418953204 N 12/01/33 0 8897176 E22/G02 F 495,200.00 ZZ 360 495,200.00 1 6.125 3,008.89 80 5.875 3,008.89 EL DORADO HILLS CA 95762 1 11/19/03 00 0418962312 05 01/01/04 0 0418962312 O 12/01/33 0 1 8897200 E22/G02 F 307,500.00 ZZ 360 307,500.00 1 6.000 1,843.62 75 5.750 1,843.62 MILPITAS CA 95035 1 11/18/03 00 0418978078 05 01/01/04 0 0418978078 N 12/01/33 0 8897218 E22/G02 F 56,000.00 ZZ 360 56,000.00 1 5.875 331.26 80 5.625 331.26 MEDFORD OR 97504 1 11/19/03 00 0418989190 01 01/01/04 0 0418989190 N 12/01/33 0 8897278 E22/G02 F 75,000.00 ZZ 360 75,000.00 1 7.000 498.98 75 6.750 498.98 TAMPA FL 33617 2 11/21/03 00 0419019211 05 01/01/04 0 0419019211 N 12/01/33 0 8897324 E22/G02 F 144,000.00 ZZ 360 144,000.00 1 6.500 910.18 80 6.250 910.18 PALM BEACH GARD FL 33410 5 11/17/03 00 0419055421 05 01/01/04 0 0419055421 O 12/01/33 0 8897406 E22/G02 F 55,000.00 ZZ 360 55,000.00 1 6.500 347.64 36 6.250 347.64 HAYDEN ID 83835 1 11/18/03 00 0419105754 05 01/01/04 0 0419105754 N 12/01/33 0 8897490 A46/G02 F 41,250.00 ZZ 360 41,250.00 1 6.625 264.13 75 6.375 264.13 1 MORIARTY NM 87035 1 11/14/03 00 0437040587 05 01/01/04 0 0983212 N 12/01/33 0 8897658 A21/G02 F 468,000.00 ZZ 360 467,576.92 1 6.500 2,958.08 80 6.250 2,958.08 DUMONT NJ 07628 5 10/31/03 00 0437041783 05 12/01/03 0 3330000086 O 11/01/33 0 8897730 883/G02 F 361,250.00 ZZ 360 361,250.00 1 6.875 2,373.16 85 6.625 2,373.16 ELKRIDGE MD 21075 1 11/14/03 11 0437042849 05 01/01/04 12 12002011 O 12/01/33 0 8897948 E82/G02 F 82,000.00 ZZ 360 82,000.00 1 6.750 531.85 78 6.500 531.85 EDMOND OK 73003 2 11/18/03 00 0400915450 09 01/01/04 0 0400915450 O 12/01/33 0 8898850 R84/G02 F 198,400.00 ZZ 360 198,400.00 4 7.000 1,319.96 80 6.750 1,319.96 LAS VEGAS NV 89108 1 11/19/03 00 0437058431 05 01/01/04 0 123217301 N 12/01/33 0 8899092 G33/G02 F 132,000.00 TX 360 132,000.00 1 6.625 845.21 80 6.375 845.21 HOUSTON TX 77056 5 11/19/03 00 0437045826 01 01/01/04 0 814359 O 12/01/33 0 1 8899430 967/G02 F 248,000.00 ZZ 360 248,000.00 2 7.125 1,670.82 78 6.875 1,670.82 ARLINGTON WA 98223 2 11/13/03 00 0437045834 05 01/01/04 0 10077592 N 12/01/33 0 8900486 U05/G02 F 120,000.00 ZZ 360 120,000.00 2 7.500 839.06 80 7.250 839.06 RIGBY ID 83442 2 11/17/03 00 0437054158 05 01/01/04 0 3423268 N 12/01/33 0 8900808 975/G02 F 400,000.00 ZZ 360 400,000.00 4 6.750 2,594.39 75 6.500 2,594.39 ROSEMEAD CA 91770 1 11/12/03 00 0437077308 05 01/01/04 0 2036153 O 12/01/33 0 8901178 E22/G02 F 212,000.00 ZZ 360 212,000.00 1 6.000 1,271.05 80 5.750 1,271.05 MIAMI FL 33186 1 11/24/03 00 0418291787 05 01/01/04 0 0418291787 O 12/01/33 0 8901306 E22/G02 F 650,000.00 TX 360 650,000.00 1 6.375 4,055.15 72 6.125 4,055.15 AUSTIN TX 78746 5 11/19/03 00 0418995213 03 01/01/04 0 0418995213 O 12/01/33 0 8901442 E22/G02 F 168,000.00 ZZ 360 168,000.00 1 1 6.250 1,034.40 80 6.000 1,034.40 DENVER CO 80239 2 11/18/03 00 0418997417 05 01/01/04 0 0418997417 O 12/01/33 0 8901490 E22/G02 F 72,800.00 ZZ 360 72,800.00 1 6.375 454.18 80 6.125 454.18 OAK PARK IL 60304 2 11/19/03 00 0419028568 01 01/01/04 0 0419028568 O 12/01/33 0 8901496 F89/G02 F 104,900.00 T 360 104,900.00 1 6.500 663.04 73 6.250 663.04 LAS VEGAS NV 89149 1 11/11/03 00 0437041585 05 01/01/04 0 36927 O 12/01/33 0 8901642 E22/G02 F 57,040.00 ZZ 360 57,040.00 1 6.750 369.96 80 6.500 369.96 DENVER CO 80247 1 11/24/03 00 0419118526 01 01/01/04 0 0419118526 N 12/01/33 0 8901792 E22/G02 F 392,000.00 ZZ 360 392,000.00 1 6.375 2,445.57 80 6.125 2,445.57 SAN MATEO CA 94401 1 11/20/03 00 0418884540 05 01/01/04 0 0418884540 O 12/01/33 0 8901818 E22/G02 F 360,000.00 ZZ 360 360,000.00 1 6.125 2,187.40 80 5.875 2,187.40 ISLAND HEIGHTS NJ 08732 5 11/19/03 00 0418910154 05 01/01/04 0 1 0418910154 O 12/01/33 0 8901822 E22/G02 F 80,750.00 ZZ 360 80,750.00 1 6.875 530.47 95 6.625 530.47 TUSCALOOSA AL 35401 2 11/18/03 10 0418912184 05 01/01/04 30 0418912184 O 12/01/33 0 8901836 E22/G02 F 146,400.00 TX 360 146,400.00 1 6.750 949.55 80 6.500 949.55 CARROLLTON TX 75006 5 11/19/03 00 0418924874 05 01/01/04 0 0418924874 O 12/01/33 0 8901872 E22/G02 F 260,000.00 ZZ 360 260,000.00 1 6.375 1,622.06 80 6.125 1,622.06 LITCHFIELD NH 03052 5 11/19/03 00 0418958112 05 01/01/04 0 0418958112 O 12/01/33 0 8901898 E22/G02 F 166,400.00 ZZ 360 166,400.00 1 6.500 1,051.76 80 6.250 1,051.76 MANASSAS VA 20111 5 11/19/03 00 0418972154 05 01/01/04 0 0418972154 O 12/01/33 0 8901908 E22/G02 F 142,800.00 ZZ 360 142,800.00 1 6.125 867.67 79 5.875 867.67 LOVELAND CO 80538 5 11/19/03 00 0418976643 05 01/01/04 0 0418976643 O 12/01/33 0 1 8901940 E22/G02 F 319,500.00 ZZ 360 319,500.00 1 5.875 1,889.96 33 5.625 1,889.96 SAINT AUGUSTINE FL 32080 2 11/19/03 00 0418717641 05 01/01/04 0 0418717641 O 12/01/33 0 8902054 E82/G02 F 68,400.00 ZZ 360 68,400.00 1 6.875 449.34 92 6.625 449.34 SHERMAN TX 75090 2 11/18/03 10 0400919031 05 01/01/04 25 0400919031 O 12/01/33 0 8902104 E82/G02 F 70,300.00 ZZ 360 70,300.00 1 7.500 491.55 62 7.250 491.55 STONEHAM MA 02180 2 11/19/03 00 0400915161 08 01/01/04 0 0400915161 N 12/01/33 0 8902122 E82/G02 F 59,450.00 ZZ 360 59,450.00 1 6.750 385.59 83 6.500 385.59 GREENWOOD IN 46142 5 11/21/03 10 0400914057 09 01/01/04 12 0400914057 O 12/01/33 0 8902136 E82/G02 F 133,000.00 ZZ 360 133,000.00 1 6.625 851.61 86 6.375 851.61 ROY UT 84067 2 11/21/03 04 0400912564 05 01/01/04 25 0400912564 O 12/01/33 0 8902252 T79/G02 F 368,000.00 ZZ 360 368,000.00 1 7.375 2,541.68 80 7.125 2,541.68 1 WILTON MANORS FL 33305 1 11/18/03 00 0437067572 05 01/01/04 0 5010311001 N 12/01/33 0 8902254 X89/G02 F 322,700.00 ZZ 360 322,700.00 1 6.250 1,986.92 79 6.000 1,986.92 SANTA ANA CA 92704 5 11/19/03 00 0437043177 05 01/01/04 0 2025343 O 12/01/33 0 8902330 H49/G02 F 164,000.00 ZZ 360 164,000.00 1 6.500 1,036.59 80 6.250 1,036.59 FORT COLLINS CO 80521 1 11/14/03 00 0437052459 05 01/01/04 0 53959549 N 12/01/33 0 8902370 S43/G02 F 68,000.00 ZZ 360 68,000.00 1 6.375 424.23 80 6.125 424.23 ALBUQUERQUE NM 87104 1 11/21/03 00 0437042526 05 01/01/04 0 181030057300 N 12/01/33 0 8902626 F89/G02 F 68,000.00 ZZ 360 68,000.00 1 6.750 441.05 80 6.500 441.05 WALLA WALLA WA 99362 1 11/11/03 00 0437049299 05 01/01/04 0 14237038 N 12/01/33 0 8902852 S27/G02 F 81,000.00 ZZ 360 81,000.00 1 6.625 518.66 78 6.375 518.66 ROCKMART GA 30153 2 11/21/03 00 0437059991 05 01/01/04 0 1900007529 N 12/01/33 0 1 8903052 U05/G02 F 134,100.00 ZZ 240 134,100.00 1 6.750 1,019.65 90 6.500 1,019.65 PORTLAND OR 97230 1 11/19/03 10 0437052954 01 01/01/04 25 3444423 O 12/01/23 0 8903822 E85/G02 F 650,000.00 ZZ 360 650,000.00 1 6.125 3,949.47 65 5.875 3,949.47 BODEGA BAY CA 94923 1 11/17/03 00 0437045651 05 01/01/04 0 1007921 N 12/01/33 0 8903828 E85/G02 F 506,250.00 ZZ 360 506,250.00 1 6.125 3,076.03 75 5.875 3,076.03 SAN RAFAEL CA 94903 2 11/14/03 00 0437043045 05 01/01/04 0 1007934 O 12/01/33 0 8903840 E85/G02 F 581,250.00 ZZ 360 581,250.00 1 6.250 3,578.86 75 6.000 3,578.86 SAN ANSELMO CA 94960 5 11/17/03 00 0437042963 05 01/01/04 0 1007738 O 12/01/33 0 8903886 E22/G02 F 64,000.00 TX 360 64,000.00 1 6.625 409.80 80 6.375 409.80 SAN ANTONIO TX 78233 5 11/17/03 00 0418100988 05 01/01/04 0 0418100988 O 12/01/33 0 8903892 E22/G02 F 112,000.00 ZZ 360 112,000.00 1 1 6.875 735.76 80 6.625 735.76 GLEN ALLEN VA 23060 2 11/25/03 00 0418175675 05 01/01/04 0 0418175675 N 12/01/33 0 8903984 E22/G02 F 400,000.00 ZZ 360 400,000.00 1 6.875 2,627.72 80 6.625 2,627.72 CLOVIS CA 93611 5 11/18/03 00 0418734539 05 01/01/04 0 0418734539 O 12/01/33 0 8903994 E22/G02 F 440,000.00 ZZ 360 440,000.00 1 6.375 2,745.03 80 6.125 2,745.03 MANSON WA 98831 1 11/17/03 00 0418755526 05 01/01/04 0 0418755526 O 12/01/33 0 8903996 E22/G02 F 150,160.00 ZZ 360 150,160.00 1 6.125 912.39 80 5.875 912.39 VANCOUVER WA 98662 1 11/19/03 00 0418755823 05 01/01/04 0 0418755823 O 12/01/33 0 8904022 E22/G02 F 155,000.00 ZZ 360 155,000.00 1 6.375 967.00 84 6.125 967.00 GARDEN GROVE CA 92840 5 11/18/03 04 0418798906 01 01/01/04 12 0418798906 O 12/01/33 0 8904024 E22/G02 F 137,700.00 ZZ 360 137,700.00 1 6.750 893.12 90 6.500 893.12 KIHEI HI 96753 1 11/11/03 01 0418799722 01 01/01/04 25 1 0418799722 O 12/01/33 0 8904028 E22/G02 F 315,000.00 ZZ 360 315,000.00 1 6.000 1,888.58 59 5.750 1,888.58 ALTA LOMA CA 91737 5 11/17/03 00 0418812145 05 01/01/04 0 0418812145 O 12/01/33 0 8904038 E22/G02 F 312,645.00 ZZ 360 312,645.00 1 6.750 2,027.81 95 6.500 2,027.81 BOURNE MA 02559 1 11/25/03 01 0418820056 05 01/01/04 35 0418820056 O 12/01/33 0 8904346 E22/G02 F 61,000.00 ZZ 360 61,000.00 1 6.750 395.64 83 6.500 395.64 GADSDEN AL 35903 1 11/25/03 04 0418979555 05 01/01/04 12 0418979555 O 12/01/33 0 8904366 E22/G02 F 164,500.00 ZZ 360 164,500.00 1 6.000 986.26 84 5.750 986.26 GREELEY CO 80634 2 11/20/03 01 0418996096 05 01/01/04 12 0418996096 O 12/01/33 0 8904392 E22/G02 F 140,000.00 ZZ 360 140,000.00 1 6.750 908.04 80 6.500 908.04 GARDEN CITY MI 48135 1 11/25/03 00 0419012869 05 01/01/04 0 0419012869 O 12/01/33 0 1 8904396 E22/G02 F 52,800.00 ZZ 360 52,800.00 2 6.375 329.40 80 6.125 329.40 PUEBLO CO 81004 1 11/25/03 00 0419015219 05 01/01/04 0 0419015219 N 12/01/33 0 8904442 E22/G02 F 292,500.00 TX 360 292,500.00 1 6.250 1,800.97 75 6.000 1,800.97 DALLAS TX 75225 5 11/20/03 00 0419032008 05 01/01/04 0 0419032008 O 12/01/33 0 8904518 E22/G02 F 125,800.00 T 360 125,800.00 1 6.375 784.83 80 6.125 784.83 PORT SAINT LUCI FL 34986 1 11/25/03 00 0419054424 03 01/01/04 0 0419054424 O 12/01/33 0 8904572 E22/G02 F 224,000.00 ZZ 360 224,000.00 1 6.500 1,415.83 80 6.250 1,415.83 SALIDA CA 95368 1 11/17/03 00 0419081740 05 01/01/04 0 0419081740 N 12/01/33 0 8904666 E22/G02 F 79,110.00 ZZ 360 79,110.00 1 6.750 513.11 90 6.500 513.11 MILLBROOK AL 36054 1 11/25/03 11 0419136726 07 01/01/04 25 0419136726 N 12/01/33 0 8905046 W68/G02 F 81,900.00 ZZ 360 81,837.68 1 7.375 565.66 90 7.125 565.66 1 HOUSTON TX 77063 1 10/31/03 04 0437047921 05 12/01/03 25 3101202 N 11/01/33 0 8905566 W68/G02 F 433,600.00 TX 360 433,600.00 1 6.625 2,776.39 80 6.375 2,776.39 HOUSTON TX 77505 2 11/14/03 00 0437080146 05 01/01/04 0 3101398 O 12/01/33 0 8905590 W68/G02 F 276,000.00 TX 360 276,000.00 1 6.500 1,744.51 80 6.250 1,744.51 SANGER TX 76266 5 11/03/03 00 0437047285 05 01/01/04 0 3081830 O 12/01/33 0 8905736 588/G02 F 543,300.00 ZZ 360 543,300.00 1 6.625 3,478.81 80 6.375 3,478.81 BIRMINGHAM TOWN PA 19382 1 11/14/03 00 0437073091 05 01/01/04 0 00011078317 O 12/01/33 0 8905816 P44/G02 F 140,000.00 ZZ 360 140,000.00 1 6.500 884.90 54 6.250 884.90 WEST YARMOUTH MA 02673 5 11/13/03 00 0437057201 05 01/01/04 0 1 O 12/01/33 0 8905822 588/G02 F 67,900.00 ZZ 360 67,900.00 1 6.625 434.77 80 6.375 434.77 EASTON CITY PA 18042 1 11/18/03 00 0437056898 05 01/01/04 0 1109913 N 12/01/33 0 1 8906206 S27/G02 F 64,000.00 ZZ 360 64,000.00 1 6.625 409.80 80 6.375 409.80 CHICKAMAUGA GA 30707 2 11/21/03 00 0437065113 05 01/01/04 0 1900007520 N 12/01/33 0 8906408 562/G02 F 210,000.00 ZZ 360 210,000.00 3 6.875 1,379.55 60 6.625 1,379.55 YONKERS NY 10705 2 11/11/03 00 0437050370 05 01/01/04 0 297085517 O 12/01/33 0 8906446 U05/G02 F 280,000.00 TX 360 280,000.00 1 6.500 1,769.79 79 6.250 1,769.79 HOUSTON TX 77030 5 11/06/03 00 0437052517 03 01/01/04 0 3415254 O 12/01/33 0 8907166 B23/G02 F 235,500.00 ZZ 360 235,500.00 2 5.875 1,393.07 78 5.625 1,393.07 MAYWOOD CA 90270 2 11/12/03 00 0437051667 05 01/01/04 0 80004034 O 12/01/33 0 8907258 P44/G02 F 488,000.00 ZZ 360 488,000.00 1 6.375 3,044.49 80 6.125 3,044.49 NANTUCKET MA 02554 1 11/21/03 00 0437062334 05 01/01/04 0 0310020001 O 12/01/33 0 8907366 P01/G02 F 265,050.00 ZZ 360 265,050.00 4 1 7.750 1,898.85 95 7.500 1,898.85 ALBANY NY 12206 1 11/18/03 04 0437065477 05 01/01/04 30 799814 O 12/01/33 0 8907400 E22/G02 F 200,000.00 ZZ 360 200,000.00 2 6.625 1,280.62 64 6.375 1,280.62 DUNELLEN BOROUG NJ 08812 5 11/26/03 00 0419086319 05 01/01/04 0 0419086319 N 12/01/33 0 8907572 642/G02 F 63,750.00 ZZ 360 63,750.00 1 6.375 397.72 71 6.125 397.72 COLLINGDALE PA 19023 2 11/18/03 00 0437055791 07 01/01/04 0 10225403 N 12/01/33 0 8907638 E22/G02 F 412,000.00 ZZ 360 412,000.00 1 6.125 2,503.36 80 5.875 2,503.36 OCEANSIDE CA 92054 5 11/14/03 00 0418763249 05 01/01/04 0 0418763249 O 12/01/33 0 8907696 E22/G02 F 315,200.00 ZZ 360 315,200.00 3 6.250 1,940.74 80 6.000 1,940.74 BROCKTON MA 02301 5 11/21/03 00 0418820486 05 01/01/04 0 0418820486 O 12/01/33 0 8907810 H49/G02 F 145,600.00 ZZ 360 145,600.00 1 6.500 920.29 80 6.250 920.29 MESA AZ 85212 1 11/06/03 00 0437050040 03 01/01/04 0 1 53236073 N 12/01/33 0 8907958 E22/G02 F 322,700.00 TX 360 322,700.00 1 6.250 1,986.92 80 6.000 1,986.92 AUSTIN TX 78746 5 11/21/03 00 0418907564 05 01/01/04 0 0418907564 O 12/01/33 0 8908284 E22/G02 F 77,350.00 ZZ 360 77,350.00 1 6.625 495.28 90 6.375 495.28 ALBANY OR 97321 1 11/21/03 04 0418983102 05 01/01/04 25 0418983102 N 12/01/33 0 8908422 944/G02 F 490,000.00 ZZ 360 490,000.00 1 6.875 3,218.96 73 6.625 3,218.96 STOCKTON CA 95215 5 11/19/03 00 0437072978 05 01/01/04 0 548876844 O 12/01/33 0 8908612 E22/G02 F 144,000.00 ZZ 360 144,000.00 1 6.250 886.63 80 6.000 886.63 ALBERTVILLE AL 35950 5 11/21/03 00 0419025408 05 01/01/04 0 0419025408 O 12/01/33 0 8908740 E22/G02 F 52,925.00 ZZ 360 52,925.00 1 6.750 343.27 76 6.500 343.27 SAINT PETERSBUR FL 33712 2 11/26/03 00 0419055405 05 01/01/04 0 0419055405 N 12/01/33 0 1 8908746 E22/G02 F 161,500.00 ZZ 360 161,500.00 1 6.500 1,020.79 95 6.250 1,020.79 SPRINGVILLE UT 84663 1 11/19/03 04 0419057518 05 01/01/04 30 0419057518 O 12/01/33 0 8908920 E22/G02 F 122,400.00 ZZ 360 122,400.00 1 6.875 804.08 80 6.625 804.08 FRESNO CA 93726 1 11/14/03 00 0419094719 05 01/01/04 0 0419094719 N 12/01/33 0 8909046 E22/G02 F 80,000.00 ZZ 360 80,000.00 1 6.250 492.57 30 6.000 492.57 CARSON CITY NV 89706 1 11/18/03 00 0419114947 05 01/01/04 0 0419114947 O 12/01/33 0 8913878 E22/G02 F 149,600.00 ZZ 360 149,600.00 1 6.125 908.99 80 5.875 908.99 CROOKED RIVER R OR 97760 5 11/20/03 00 0419124524 03 01/01/04 0 0419124524 O 12/01/33 0 8913944 E22/G02 F 343,800.00 ZZ 360 343,800.00 1 6.500 2,173.05 90 6.250 2,173.05 GEORGETOWN TX 78628 1 12/01/03 01 0419145842 05 01/01/04 25 0419145842 O 12/01/33 0 8913986 E22/G02 F 268,000.00 ZZ 360 268,000.00 1 6.250 1,650.12 80 6.000 1,650.12 1 SEATTLE WA 98178 5 11/20/03 00 0419202585 05 01/01/04 0 0419202585 O 12/01/33 0 8914010 E22/G02 F 396,000.00 ZZ 360 396,000.00 1 6.000 2,374.22 69 5.750 2,374.22 SAN JOSE CA 95132 2 11/17/03 00 0417544723 05 01/01/04 0 0417544723 O 12/01/33 0 8914016 E22/G02 F 398,000.00 ZZ 360 398,000.00 1 5.875 2,354.32 57 5.625 2,354.32 SAN FRANCISCO CA 94122 2 11/20/03 00 0417962297 05 01/01/04 0 0417962297 O 12/01/33 0 8914112 E22/G02 F 71,249.00 ZZ 360 71,249.00 1 6.375 444.50 95 6.125 444.50 CAMDEN SC 29020 5 11/24/03 10 0418799003 05 01/01/04 30 0418799003 O 12/01/33 0 8914178 E22/G02 F 297,600.00 ZZ 360 297,600.00 1 6.750 1,930.23 79 6.500 1,930.23 FREDERICK CO 80504 5 11/24/03 00 0418864393 05 01/01/04 0 0418864393 O 12/01/33 0 8914198 E22/G02 F 236,700.00 ZZ 360 236,700.00 1 6.875 1,554.95 90 6.625 1,554.95 R. SANTA MARGAR CA 92688 1 11/26/03 04 0418906939 01 01/01/04 25 0418906939 N 12/01/33 0 1 8914250 E22/G02 F 178,000.00 T 360 178,000.00 1 6.750 1,154.50 52 6.500 1,154.50 LAHAINA HI 96761 2 11/17/03 00 0418980611 20 01/01/04 0 0418980611 O 12/01/33 0 8914278 E22/G02 F 143,000.00 ZZ 360 143,000.00 1 6.000 857.36 36 5.750 857.36 SANTA ROSA CA 95404 2 11/12/03 00 0419027180 05 01/01/04 0 0419027180 O 12/01/33 0 8914286 E22/G02 F 143,000.00 ZZ 360 143,000.00 1 6.125 868.88 69 5.875 868.88 PUEBLO WEST CO 81007 2 11/24/03 00 0419029640 05 01/01/04 0 0419029640 O 12/01/33 0 8914398 G34/G02 F 143,150.00 ZZ 360 143,150.00 1 6.500 904.81 90 6.250 904.81 LAS VEGAS NV 89123 1 11/14/03 10 0437064306 01 01/01/04 25 77301630 N 12/01/33 0 8914626 Y72/G02 F 163,750.00 ZZ 360 163,750.00 1 7.500 1,144.96 90 7.250 1,144.96 AVENTURA FL 33180 5 11/19/03 14 0437073257 06 01/01/04 25 10015556 O 12/01/33 0 8914674 975/G02 F 304,000.00 ZZ 360 304,000.00 1 1 6.375 1,896.56 80 6.125 1,896.56 TEMPLE CITY ARE CA 91780 5 11/01/03 00 0437071830 05 01/01/04 0 2033902 O 12/01/33 0 8915086 S27/G02 F 50,800.00 ZZ 360 50,800.00 1 7.000 337.98 80 6.750 337.98 PORTSMOUTH VA 23702 1 11/21/03 00 0437053937 05 01/01/04 0 1130017139 N 12/01/33 0 8916090 G51/G02 F 208,120.00 ZZ 360 208,120.00 2 6.375 1,298.40 80 6.125 1,298.40 COLORADO SPRING CO 80910 2 11/21/03 00 0437063589 05 01/01/04 0 04000930 N 12/01/33 0 8916102 E47/G02 F 160,000.00 ZZ 360 160,000.00 1 6.500 1,011.31 80 6.250 1,011.31 STOCKTON CA 95207 5 11/11/03 00 0437094808 05 01/01/04 0 7359516856 O 12/01/33 0 8919048 U05/G02 F 133,000.00 ZZ 360 133,000.00 1 6.750 862.64 84 6.500 862.64 HAGERSTOWN MD 21742 5 11/21/03 10 0437076391 05 01/01/04 12 3437137 O 12/01/33 0 8919144 E22/G02 F 145,000.00 ZZ 360 145,000.00 1 6.500 916.50 75 6.250 916.50 HUDSON FL 34669 5 11/26/03 00 0418738324 05 01/01/04 0 1 0418738324 O 12/01/33 0 8919160 E22/G02 F 55,650.00 ZZ 360 55,650.00 1 6.625 356.33 70 6.375 356.33 LEWISTON ID 83501 1 11/24/03 00 0418800215 05 01/01/04 0 0418800215 N 12/01/33 0 8919338 E22/G02 F 161,500.00 ZZ 360 161,500.00 1 6.250 994.38 88 6.000 994.38 LAS VEGAS NV 89108 2 11/19/03 04 0419003033 05 01/01/04 25 0419003033 O 12/01/33 0 8919380 E22/G02 F 165,000.00 ZZ 360 165,000.00 1 6.250 1,015.93 69 6.000 1,015.93 NARRAGANSETT RI 02882 5 11/26/03 00 0419041470 05 01/01/04 0 0419041470 O 12/01/33 0 8919522 E22/G02 F 58,500.00 ZZ 360 58,500.00 1 7.000 389.20 90 6.750 389.20 SALT LAKE CITY UT 84102 1 11/24/03 04 0419200415 05 01/01/04 25 0419200415 N 12/01/33 0 8919692 Q30/G02 F 80,900.00 ZZ 360 80,900.00 1 7.125 545.04 64 6.875 545.04 POUGHKEEPSIE NY 12601 2 11/19/03 00 0437064439 05 01/01/04 0 32012835 N 12/01/33 0 1 8919730 N47/G02 F 355,000.00 ZZ 360 355,000.00 1 6.500 2,243.84 90 6.250 2,243.84 SAN DIEGO CA 92126 5 11/18/03 11 0437066228 05 01/01/04 25 30510127 O 12/01/33 0 8919978 B39/G02 F 135,000.00 ZZ 360 135,000.00 1 6.625 864.42 59 6.375 864.42 MAPLE GROVE MN 55369 5 11/21/03 00 0437061583 05 01/01/04 0 20034409F O 12/01/33 0 8922860 X89/G02 F 344,000.00 ZZ 360 344,000.00 1 6.500 2,174.32 80 6.250 2,174.32 SAN DIEGO CA 92117 5 11/22/03 00 0437068596 05 01/01/04 0 2026471 O 12/01/33 0 8923012 P44/G02 F 144,500.00 ZZ 360 144,500.00 1 6.875 949.26 85 6.625 949.26 WINCHESTER NH 03470 5 11/20/03 10 0437070329 05 01/01/04 12 0311030004 O 12/01/33 0 8923126 A46/G02 F 116,000.00 ZZ 360 116,000.00 1 6.875 762.04 80 6.625 762.04 SEABROOK TX 77586 1 11/24/03 00 0437063712 05 01/01/04 0 0295531 N 12/01/33 0 8923336 G27/G02 F 161,000.00 ZZ 360 161,000.00 1 6.625 1,030.90 63 6.375 1,030.90 1 LONG BEACH CA 90805 5 11/21/03 00 0437071863 05 01/01/04 0 29303155 O 12/01/33 0 8923964 P44/G02 F 65,600.00 ZZ 360 65,600.00 1 7.500 458.68 80 7.250 458.68 LEHIGH ACRES FL 33972 1 11/26/03 00 0437069529 05 01/01/04 0 0311180000 N 12/01/33 0 8924040 N74/G02 F 187,000.00 ZZ 360 187,000.00 2 6.875 1,228.46 57 6.625 1,228.46 LOS ANGELES CA 90044 5 11/18/03 00 0437075310 05 01/01/04 0 4400001041 N 12/01/33 0 8924166 K15/G02 F 80,700.00 ZZ 360 80,700.00 1 7.750 578.14 95 7.500 578.14 CEDAR FALLS IA 50613 5 11/10/03 41 0437080682 05 01/01/04 30 009905514758 O 12/01/33 0 8924298 E22/G02 F 112,500.00 ZZ 360 112,500.00 1 6.750 729.67 75 6.500 729.67 PORTLAND OR 97217 2 11/25/03 00 0418924437 05 01/01/04 0 0418924437 N 12/01/33 0 8924308 E22/G02 F 400,000.00 ZZ 360 400,000.00 1 6.750 2,594.39 77 6.500 2,594.39 SAUGUS CA 91350 5 11/19/03 00 0418947503 05 01/01/04 0 0418947503 O 12/01/33 0 1 8924330 E22/G02 F 399,500.00 ZZ 360 399,500.00 1 6.125 2,427.40 58 5.875 2,427.40 OAKLAND CA 94611 5 11/20/03 00 0418970448 05 01/01/04 0 0418970448 O 12/01/33 0 8924352 E22/G02 F 406,000.00 ZZ 360 406,000.00 1 6.000 2,434.18 80 5.750 2,434.18 CAVE CREEK AZ 85331 2 11/21/03 00 0419001896 03 01/01/04 0 0419001896 O 12/01/33 0 8924550 E22/G02 F 385,000.00 ZZ 360 385,000.00 1 6.125 2,339.30 70 5.875 2,339.30 SAN FRANCISCO CA 94112 1 11/19/03 00 0419185335 07 01/01/04 0 0419185335 O 12/01/33 0 8924658 313/G02 F 136,000.00 ZZ 360 136,000.00 3 7.500 950.94 80 7.250 950.94 MESA AZ 85208 1 11/19/03 00 0437070196 05 01/01/04 0 0009972761 N 12/01/33 0 8924770 E11/G02 F 131,200.00 ZZ 360 131,200.00 1 6.375 818.52 80 6.125 818.52 APPLE VALLEY MN 55124 1 11/26/03 00 0437077787 09 01/01/04 0 0010001066264 N 12/01/33 0 8925090 B39/G02 F 572,000.00 ZZ 360 572,000.00 1 1 6.990 3,801.69 80 6.740 3,801.69 SHAKOPEE MN 55379 5 11/21/03 00 0437067549 05 01/01/04 0 20034307F O 12/01/33 0 8925128 M18/G02 F 460,000.00 ZZ 360 460,000.00 4 6.500 2,907.51 80 6.250 2,907.51 BURBANK CA 91504 2 11/10/03 00 0437072283 05 01/01/04 0 980102666 O 12/01/33 0 8928616 E22/G02 F 122,400.00 ZZ 360 122,400.00 1 6.875 804.08 90 6.625 804.08 FERNLEY NV 89408 1 11/21/03 01 0419046081 05 01/01/04 25 0419046081 N 12/01/33 0 8928826 P01/G02 F 261,250.00 ZZ 360 261,250.00 1 7.500 1,826.70 91 7.250 1,826.70 SCHODACK LANDIN NY 12156 5 11/19/03 10 0437066426 05 01/01/04 30 03000940 O 12/01/33 0 8929270 U05/G02 F 58,410.00 ZZ 360 58,410.00 1 7.000 388.60 90 6.750 388.60 PHILADELPHIA PA 19124 1 11/26/03 10 0437080773 05 01/01/04 25 3000423318 N 12/01/33 0 8930152 738/G02 F 54,900.00 ZZ 360 54,900.00 1 6.500 347.01 79 6.250 347.01 SAN ANTONIO TX 78216 1 11/18/03 00 0437079114 01 01/01/04 0 1 41538289 O 12/01/33 0 8936658 X81/G02 F 132,500.00 T 360 132,500.00 1 6.750 859.39 80 6.500 859.39 BEMIDJI MN 56601 5 11/26/03 00 0437082241 05 01/01/04 0 9540271546 O 12/01/33 0 8936806 E47/G02 F 131,750.00 ZZ 360 131,750.00 1 6.125 800.53 80 5.875 800.53 MOORESVILLE NC 28115 1 11/24/03 00 0437094717 05 01/01/04 0 7350511251 O 12/01/33 0 TOTAL NUMBER OF LOANS : 2,112 TOTAL ORIGINAL BALANCE : 374,084,970.00 TOTAL PRINCIPAL BALANCE : 372,894,608.72 TOTAL ORIGINAL P+I : 2,358,454.72 TOTAL CURRENT P+I : 2,358,454.72 *************************** * END OF REPORT * ***************************
EXHIBIT TWO SCHEDULE OF DISCOUNT FRACTIONS Schedule of Discount Fractions Loan Number Current Balance Net Mortgage Rate Discount Fraction PO Balance 8381250 $422,812.13 5.595% 2.6957% $11,397.54 8386898 $293,359.80 5.595% 2.6957% $7,907.96 8426592 $373,225.27 5.345% 7.0435% $26,288.04 8428866 $211,730.16 5.720% 0.5217% $1,104.68 8431414 $59,628.43 5.595% 2.6957% $1,607.38 8459970 $473,549.60 5.595% 2.6957% $12,765.25 8462118 $278,849.68 5.595% 2.6957% $7,516.82 8472478 $113,531.68 5.595% 2.6957% $3,060.42 8491545 $160,596.98 5.595% 2.6957% $4,329.14 8504118 $58,092.18 5.470% 4.8696% $2,828.84 8504430 $188,795.42 5.470% 4.8696% $9,193.52 8535546 $190,376.59 5.345% 7.0435% $13,409.13 8552065 $66,655.34 5.720% 0.5217% $347.77 8564806 $119,057.21 5.345% 7.0435% $8,385.77 8667054 $217,245.99 5.720% 0.5217% $1,133.46 8676150 $630,223.97 5.470% 4.8696% $30,689.17 8676374 $358,446.11 5.720% 0.5217% $1,870.15 8676738 $349,816.83 5.595% 2.6957% $9,429.85 8686414 $368,101.24 5.470% 4.8696% $17,924.93 8693686 $164,322.13 5.595% 2.6957% $4,429.55 8721631 $68,674.84 5.345% 7.0435% $4,837.10 8732774 $498,953.42 5.470% 4.8696% $24,296.86 8732778 $372,727.24 5.595% 2.6957% $10,047.43 8732784 $275,026.44 5.720% 0.5217% $1,434.92 8732796 $648,671.34 5.595% 2.6957% $17,485.92 8732804 $364,868.35 5.345% 7.0435% $25,699.42 8732812 $997,805.85 5.220% 9.2174% $91,971.67 8732816 $410,672.45 5.345% 7.0435% $28,925.62 8732820 $390,200.75 5.595% 2.6957% $10,518.46 8732828 $422,696.75 5.595% 2.6957% $11,394.43 8732834 $394,782.84 5.595% 2.6957% $10,641.97 8732840 $528,043.01 5.345% 7.0435% $37,192.59 8732846 $337,943.57 5.720% 0.5217% $1,763.18 8732852 $596,877.43 5.595% 2.6957% $16,089.74 8732870 $613,681.96 5.345% 7.0435% $43,224.56 8732880 $408,102.59 5.220% 9.2174% $37,616.41 8732930 $359,264.12 5.595% 2.6957% $9,684.51 8732994 $526,338.28 5.470% 4.8696% $25,630.39 8733030 $747,639.58 5.470% 4.8696% $36,406.80 8733034 $347,236.43 5.220% 9.2174% $32,006.14 8733048 $594,683.92 5.595% 2.6957% $16,030.61 8733066 $558,152.71 5.220% 9.2174% $51,447.12 8733074 $299,099.57 5.720% 0.5217% $1,560.52 8733082 $647,954.28 5.470% 4.8696% $31,552.56 8733108 $477,445.10 5.720% 0.5217% $2,491.02 8733110 $375,364.91 5.470% 4.8696% $18,278.64 8733120 $365,695.84 5.220% 9.2174% $33,707.62 8733124 $383,788.31 5.470% 4.8696% $18,688.82 8733130 $557,773.46 5.220% 9.2174% $51,412.16 8733166 $579,420.68 5.470% 4.8696% $28,215.27 8733178 $321,558.55 4.845% 15.7391% $50,610.52 8733194 $704,667.79 5.220% 9.2174% $64,951.99 8733200 $390,311.87 5.345% 7.0435% $27,491.53 Monday, December 22, 2003 Page 1 of 6 8733216 $371,663.31 5.095% 11.3913% $42,337.30 8733232 $386,826.94 5.345% 7.0435% $27,246.07 8733324 $769,654.32 5.720% 0.5217% $4,015.59 8733366 $405,189.62 5.720% 0.5217% $2,114.03 8733434 $449,012.62 5.220% 9.2174% $41,387.25 8733472 $177,714.17 5.720% 0.5217% $927.20 8744094 $151,390.16 5.720% 0.5217% $789.86 8745244 $49,799.38 5.720% 0.5217% $259.82 8753208 $139,382.80 5.220% 9.2174% $12,847.46 8756044 $125,621.79 5.720% 0.5217% $655.42 8756090 $63,728.12 5.720% 0.5217% $332.49 8756100 $130,524.58 5.595% 2.6957% $3,518.49 8756122 $79,754.09 5.595% 2.6957% $2,149.89 8756136 $81,498.71 5.595% 2.6957% $2,196.92 8756146 $124,498.49 5.720% 0.5217% $649.56 8756156 $79,754.09 5.595% 2.6957% $2,149.89 8756160 $79,754.09 5.595% 2.6957% $2,149.89 8756164 $174,474.72 5.720% 0.5217% $910.30 8756172 $122,630.81 5.720% 0.5217% $639.81 8756178 $229,639.61 5.720% 0.5217% $1,198.12 8756250 $76,413.86 5.720% 0.5217% $398.68 8756260 $258,956.90 5.720% 0.5217% $1,351.08 8756262 $113,250.83 5.595% 2.6957% $3,052.85 8756268 $126,809.03 5.595% 2.6957% $3,418.33 8756274 $151,782.03 5.595% 2.6957% $4,091.52 8756300 $71,778.69 5.595% 2.6957% $1,934.90 8756306 $320,804.77 5.345% 7.0435% $22,595.81 8756308 $110,858.18 5.595% 2.6957% $2,988.35 8756366 $120,303.72 5.595% 2.6957% $3,242.97 8756368 $139,424.83 5.595% 2.6957% $3,758.41 8756374 $63,942.44 5.720% 0.5217% $333.61 8756378 $49,301.40 5.720% 0.5217% $257.22 8756396 $174,626.81 5.470% 4.8696% $8,503.57 8756412 $58,237.06 5.595% 2.6957% $1,569.87 8756424 $169,369.41 5.720% 0.5217% $883.67 8756454 $216,457.81 5.720% 0.5217% $1,129.35 8756456 $230,806.39 5.595% 2.6957% $6,221.74 8756460 $126,101.60 5.720% 0.5217% $657.92 8756464 $184,680.59 5.595% 2.6957% $4,978.35 8756506 $135,482.29 5.595% 2.6957% $3,652.13 8756518 $64,035.83 5.595% 2.6957% $1,726.18 8756622 $166,164.54 5.595% 2.6957% $4,479.22 8756698 $49,967.54 5.720% 0.5217% $260.70 8756736 $358,687.56 5.720% 0.5217% $1,871.41 8756766 $264,445.32 5.470% 4.8696% $12,877.34 8756774 $122,898.27 5.595% 2.6957% $3,312.91 8756812 $131,201.61 5.720% 0.5217% $684.53 8756868 $123,378.54 5.720% 0.5217% $643.71 8756936 $114,845.89 5.595% 2.6957% $3,095.85 8756940 $107,657.13 5.595% 2.6957% $2,902.06 8756942 $52,685.54 5.595% 2.6957% $1,420.22 8757102 $71,734.03 5.720% 0.5217% $374.26 8757258 $356,252.75 5.470% 4.8696% $17,347.96 8757290 $232,881.99 5.595% 2.6957% $6,277.69 8757292 $75,771.88 5.720% 0.5217% $395.33 8757298 $80,667.21 5.595% 2.6957% $2,174.51 8757302 $214,111.42 5.595% 2.6957% $5,771.70 Monday, December 22, 2003 Page 2 of 6 8757344 $127,606.58 5.595% 2.6957% $3,439.83 8757350 $146,548.15 5.595% 2.6957% $3,950.43 8757362 $44,861.66 5.595% 2.6957% $1,209.31 8757428 $245,495.48 5.595% 2.6957% $6,617.70 8757460 $121,268.21 5.595% 2.6957% $3,268.97 8757480 $133,896.89 5.720% 0.5217% $698.59 8757596 $84,287.96 5.720% 0.5217% $439.76 8757608 $143,318.75 5.595% 2.6957% $3,863.38 8757700 $305,389.22 5.720% 0.5217% $1,593.34 8757756 $133,825.87 5.595% 2.6957% $3,607.48 8757766 $121,769.86 5.595% 2.6957% $3,282.49 8757776 $126,809.03 5.595% 2.6957% $3,418.33 8757822 $119,760.46 5.720% 0.5217% $624.84 8757860 $159,654.31 5.595% 2.6957% $4,303.72 8757966 $179,640.70 5.720% 0.5217% $937.26 8757978 $178,725.81 5.720% 0.5217% $932.48 8758064 $61,374.28 5.595% 2.6957% $1,654.44 8758106 $82,107.13 5.595% 2.6957% $2,213.32 8758258 $304,772.32 5.720% 0.5217% $1,590.12 8758260 $127,601.37 5.720% 0.5217% $665.75 8758296 $219,323.81 5.595% 2.6957% $5,912.21 8758572 $49,897.79 5.595% 2.6957% $1,345.07 8758612 $113,431.86 5.720% 0.5217% $591.82 8758684 $60,812.51 5.595% 2.6957% $1,639.29 8758714 $123,618.85 5.595% 2.6957% $3,332.33 8758766 $282,599.22 5.720% 0.5217% $1,474.43 8758772 $159,580.82 5.720% 0.5217% $832.60 8758796 $138,582.78 5.720% 0.5217% $723.04 8758830 $208,141.36 5.595% 2.6957% $5,610.77 8758840 $199,178.35 5.595% 2.6957% $5,369.16 8758982 $124,744.48 5.595% 2.6957% $3,362.68 8759106 $48,525.36 5.595% 2.6957% $1,308.07 8759150 $132,341.96 5.595% 2.6957% $3,567.48 8759170 $138,143.53 5.720% 0.5217% $720.75 8759184 $189,415.99 5.595% 2.6957% $5,106.00 8759246 $80,252.56 5.595% 2.6957% $2,163.33 8759372 $122,894.00 5.720% 0.5217% $641.19 8759440 $163,740.39 5.720% 0.5217% $854.30 8759464 $179,277.84 5.720% 0.5217% $935.36 8759516 $179,689.13 5.595% 2.6957% $4,843.79 8759536 $81,820.00 5.595% 2.6957% $2,205.58 8759600 $112,929.55 5.595% 2.6957% $3,044.19 8759676 $133,398.25 5.720% 0.5217% $695.99 8759700 $228,608.90 5.720% 0.5217% $1,192.74 8759726 $55,827.86 5.595% 2.6957% $1,504.92 8759746 $79,759.85 5.720% 0.5217% $416.14 8759794 $119,631.15 5.595% 2.6957% $3,224.84 8759816 $109,548.06 5.595% 2.6957% $2,953.03 8759818 $181,440.59 5.595% 2.6957% $4,891.01 8759864 $116,292.38 5.720% 0.5217% $606.74 8759876 $264,434.81 5.720% 0.5217% $1,379.66 8759882 $156,318.03 5.595% 2.6957% $4,213.79 8759886 $214,937.31 5.595% 2.6957% $5,793.96 8759894 $113,033.70 5.595% 2.6957% $3,047.00 8759898 $167,309.79 5.595% 2.6957% $4,510.09 8760094 $148,542.01 5.595% 2.6957% $4,004.18 8760188 $179,446.74 5.595% 2.6957% $4,837.26 Monday, December 22, 2003 Page 3 of 6 8760212 $262,403.10 5.720% 0.5217% $1,369.06 8760240 $166,498.75 5.720% 0.5217% $868.69 8760274 $75,695.08 5.720% 0.5217% $394.93 8760284 $44,811.75 5.595% 2.6957% $1,207.97 8760288 $234,294.63 5.720% 0.5217% $1,222.41 8760290 $175,276.95 5.595% 2.6957% $4,724.86 8760300 $118,710.27 5.595% 2.6957% $3,200.02 8760308 $75,168.25 5.595% 2.6957% $2,026.27 8760324 $206,727.64 5.720% 0.5217% $1,078.58 8760328 $201,842.32 5.720% 0.5217% $1,053.09 8760330 $183,946.20 5.720% 0.5217% $959.72 8760374 $187,725.59 5.595% 2.6957% $5,060.43 8760376 $110,928.16 5.720% 0.5217% $578.76 8760398 $82,866.19 5.720% 0.5217% $432.35 8760410 $79,759.85 5.720% 0.5217% $416.14 8760428 $149,383.75 5.595% 2.6957% $4,026.87 8760462 $56,081.16 5.720% 0.5217% $292.60 8760496 $191,423.70 5.720% 0.5217% $998.73 8760498 $229,708.44 5.720% 0.5217% $1,198.48 8760502 $198,153.45 5.720% 0.5217% $1,033.84 8760524 $130,806.18 5.720% 0.5217% $682.47 8760530 $243,993.48 5.595% 2.6957% $6,577.22 8760552 $147,391.96 5.595% 2.6957% $3,973.17 8760562 $131,993.04 5.595% 2.6957% $3,558.07 8760572 $132,596.99 5.720% 0.5217% $691.81 8760582 $142,061.98 5.595% 2.6957% $3,829.50 8760604 $139,338.68 5.720% 0.5217% $726.98 8760678 $71,790.80 5.720% 0.5217% $374.56 8760766 $66,326.37 5.595% 2.6957% $1,787.93 8760848 $114,347.43 5.595% 2.6957% $3,082.41 8760978 $117,637.30 5.595% 2.6957% $3,171.09 8760988 $138,572.76 5.595% 2.6957% $3,735.44 8760996 $71,711.12 5.720% 0.5217% $374.15 8761094 $83,243.34 5.595% 2.6957% $2,243.95 8761170 $55,831.91 5.720% 0.5217% $291.30 8761180 $321,405.33 5.720% 0.5217% $1,676.90 8761182 $321,374.25 5.595% 2.6957% $8,663.13 8761276 $210,351.45 5.595% 2.6957% $5,670.34 8777250 $578,780.66 5.220% 9.2174% $53,348.48 8784898 $338,569.84 5.470% 4.8696% $16,486.88 8784904 $547,740.46 5.595% 2.6957% $14,765.18 8798468 $450,340.39 5.595% 2.6957% $12,139.61 8798562 $351,614.71 5.220% 9.2174% $32,409.70 8798830 $179,816.48 5.595% 2.6957% $4,847.23 8807928 $439,540.61 5.470% 4.8696% $21,403.72 8811802 $106,768.42 5.720% 0.5217% $557.05 8814592 $234,766.06 5.720% 0.5217% $1,224.87 8816440 $649,321.36 5.470% 4.8696% $31,619.13 8816452 $99,900.45 5.720% 0.5217% $521.22 8816456 $649,246.74 5.470% 4.8696% $31,615.49 8818832 $142,174.90 5.595% 2.6957% $3,832.54 8818914 $152,847.69 5.720% 0.5217% $797.47 8819694 $365,278.61 5.720% 0.5217% $1,905.80 8827814 $156,000.00 5.720% 0.5217% $813.91 8827930 $129,500.00 5.595% 2.6957% $3,490.87 8828470 $115,881.74 5.595% 2.6957% $3,123.77 8829488 $638,848.01 5.595% 2.6957% $17,221.12 Monday, December 22, 2003 Page 4 of 6 8831182 $144,500.00 5.595% 2.6957% $3,895.22 8831602 $336,000.00 5.720% 0.5217% $1,753.04 8831866 $154,081.16 5.220% 9.2174% $14,202.26 8833560 $126,609.63 5.595% 2.6957% $3,412.96 8833602 $118,878.67 5.595% 2.6957% $3,204.56 8833610 $149,700.59 5.720% 0.5217% $781.05 8833762 $71,856.28 5.720% 0.5217% $374.90 8833858 $224,550.90 5.720% 0.5217% $1,171.57 8833864 $69,161.68 5.720% 0.5217% $360.84 8833984 $62,874.25 5.720% 0.5217% $328.04 8834008 $145,800.47 5.595% 2.6957% $3,930.27 8834020 $142,208.62 5.595% 2.6957% $3,833.45 8834032 $184,630.74 5.720% 0.5217% $963.29 8834098 $128,862.06 5.720% 0.5217% $672.32 8834102 $266,927.01 5.595% 2.6957% $7,195.42 8834116 $75,399.18 5.720% 0.5217% $393.39 8834128 $70,288.38 5.720% 0.5217% $366.72 8834144 $192,115.76 5.720% 0.5217% $1,002.34 8834158 $179,632.06 5.595% 2.6957% $4,842.26 8834222 $82,830.33 5.595% 2.6957% $2,232.82 8834282 $49,794.58 5.595% 2.6957% $1,342.29 8834286 $145,116.92 5.720% 0.5217% $757.13 8834336 $130,049.05 5.595% 2.6957% $3,505.67 8834432 $79,500.00 5.720% 0.5217% $414.78 8834434 $69,540.63 5.720% 0.5217% $362.82 8834498 $62,874.25 5.720% 0.5217% $328.04 8835078 $161,734.59 5.595% 2.6957% $4,359.80 8835200 $267,195.60 5.720% 0.5217% $1,394.06 8835650 $159,672.92 5.595% 2.6957% $4,304.23 8835654 $53,889.60 5.595% 2.6957% $1,452.68 8835822 $126,229.30 5.595% 2.6957% $3,402.70 8835870 $69,860.27 5.720% 0.5217% $364.49 8835882 $76,044.22 5.595% 2.6957% $2,049.89 8835890 $122,954.09 5.720% 0.5217% $641.50 8835942 $178,634.09 5.595% 2.6957% $4,815.35 8835974 $156,180.10 5.595% 2.6957% $4,210.07 8836058 $199,600.78 5.720% 0.5217% $1,041.40 8838892 $274,000.00 5.720% 0.5217% $1,429.57 8839948 $234,491.39 5.720% 0.5217% $1,223.43 8840446 $250,737.94 5.470% 4.8696% $12,209.85 8840482 $289,989.65 5.345% 7.0435% $20,425.36 8840504 $299,663.84 5.095% 11.3913% $34,135.62 8840608 $134,259.68 5.470% 4.8696% $6,537.86 8841030 $481,434.11 4.845% 15.7391% $75,773.54 8841044 $127,859.90 5.220% 9.2174% $11,785.35 8841068 $181,296.62 5.095% 11.3913% $20,652.05 8841074 $129,843.80 4.720% 17.9130% $23,258.98 8841092 $342,633.31 5.345% 7.0435% $24,133.30 8842134 $109,887.85 5.595% 2.6957% $2,962.19 8842140 $225,758.40 5.345% 7.0435% $15,901.24 8845426 $299,701.35 5.720% 0.5217% $1,563.66 8845520 $449,541.20 5.595% 2.6957% $12,118.07 8850774 $116,787.93 5.470% 4.8696% $5,687.06 8850902 $159,200.00 5.720% 0.5217% $830.61 8851170 $90,000.00 5.720% 0.5217% $469.57 8851414 $67,500.00 5.595% 2.6957% $1,819.57 8851422 $148,300.00 5.720% 0.5217% $773.74 Monday, December 22, 2003 Page 5 of 6 8851574 $178,821.80 5.720% 0.5217% $932.98 8852290 $529,072.78 5.720% 0.5217% $2,760.38 8852782 $79,826.86 5.720% 0.5217% $416.49 8852877 $319,002.37 5.520% 4.0000% $12,760.09 8852910 $80,270.01 5.720% 0.5217% $418.80 8853560 $126,570.82 5.595% 2.6957% $3,411.91 8855126 $96,701.31 5.595% 2.6957% $2,606.73 8855406 $252,000.00 5.720% 0.5217% $1,314.78 8855482 $350,000.00 5.720% 0.5217% $1,826.09 8855946 $289,500.00 5.595% 2.6957% $7,803.91 8859871 $187,408.74 5.595% 2.6957% $5,051.89 8865892 $145,600.00 5.720% 0.5217% $759.65 8867412 $99,000.00 5.720% 0.5217% $516.52 8867508 $200,000.00 5.595% 2.6957% $5,391.30 8867720 $175,000.00 5.470% 4.8696% $8,521.74 8869618 $144,427.00 5.720% 0.5217% $753.53 8870758 $180,000.00 5.720% 0.5217% $939.13 8870902 $158,850.00 5.720% 0.5217% $828.78 8871236 $401,000.00 5.720% 0.5217% $2,092.17 8871584 $549,452.47 5.720% 0.5217% $2,866.71 8872168 $299,701.34 5.720% 0.5217% $1,563.66 8872652 $148,352.17 5.720% 0.5217% $774.01 8873234 $427,542.22 5.720% 0.5217% $2,230.66 8873382 $475,975.43 5.470% 4.8696% $23,177.93 8873538 $393,398.50 5.595% 2.6957% $10,604.66 8873614 $134,256.32 5.345% 7.0435% $9,456.31 8875498 $98,901.44 5.720% 0.5217% $516.01 8877024 $536,089.01 5.595% 2.6957% $14,451.10 8877488 $134,865.60 5.720% 0.5217% $703.65 8877770 $295,705.33 5.720% 0.5217% $1,542.81 8877856 $82,000.00 5.595% 2.6957% $2,210.43 8877984 $75,700.00 5.720% 0.5217% $394.96 8879584 $56,550.00 5.720% 0.5217% $295.04 8881266 $416,828.88 5.220% 9.2174% $38,420.75 8881278 $578,785.98 5.470% 4.8696% $28,184.36 8881282 $400,186.56 5.470% 4.8696% $19,487.35 8890412 $312,181.31 5.470% 4.8696% $15,201.87 8892580 $196,000.00 5.595% 2.6957% $5,283.48 8894806 $158,650.00 5.470% 4.8696% $7,725.57 8894974 $64,495.57 5.720% 0.5217% $336.50 8895330 $167,293.35 5.470% 4.8696% $8,146.46 8896946 $428,000.00 5.595% 2.6957% $11,537.39 8897200 $307,500.00 5.720% 0.5217% $1,604.35 8897218 $56,000.00 5.595% 2.6957% $1,509.57 8901178 $212,000.00 5.720% 0.5217% $1,106.09 8901940 $319,500.00 5.595% 2.6957% $8,612.61 8904028 $315,000.00 5.720% 0.5217% $1,643.48 8904366 $164,500.00 5.720% 0.5217% $858.26 8907166 $235,500.00 5.595% 2.6957% $6,348.26 8914010 $396,000.00 5.720% 0.5217% $2,066.09 8914016 $398,000.00 5.595% 2.6957% $10,728.70 8914278 $143,000.00 5.720% 0.5217% $746.09 8924352 $406,000.00 5.720% 0.5217% $2,118.26 Monday, December 22, 2003 Page 6 of 6
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 Notional Amount with respect to each class of Interest Only Certificates and each Subclass Notional Amount; (xiv) the occurrence of the Credit Support Depletion Date; (xv) the related Senior Accelerated Distribution Percentage applicable to such distribution; (xvi) the related Senior Percentage for such Distribution Date; (xvii) the aggregate amount of Realized Losses for such Distribution Date; (xviii) 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; (xix) the weighted average remaining term to maturity of the Mortgage Loans after giving effect to the amounts distributed on such Distribution Date; and (xx) 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 EXHIBIT FIVE AGGREGATE PLANNED PRINCIPAL BALANCES AND AGGREGATE TARGETED PRINCIPAL BALANCES SCHEDULE I SCHEDULE II AGGREGATE PLANNED AGGREGATE TARGETED PRINCIPAL BALANCES FOR PRINCIPAL BALANCES FOR CLASS A-8 CLASS A-5 CERTIFICATES AND CERTIFICATES AND CLASS A-9 CLASS A-6 CERTIFICATES DISTRIBUTION DATE CERTIFICATES Initial Balance $71,428,571.00 $37,582,429.00 January 2004 70,381,420.19 37,535,055.33 February 2004 69,341,725.08 37,356,685.59 March 2004 68,309,506.15 37,049,368.57 April 2004 67,284,711.73 36,615,509.87 May 2004 66,267,290.54 36,057,867.80 June 2004 65,257,191.62 35,379,547.55 July 2004 64,254,364.40 34,583,993.70 August 2004 63,258,758.64 33,674,980.90 September 2004 62,270,324.46 32,656,603.01 October 2004 61,289,012.32 31,558,277.99 November 2004 60,314,773.05 30,488,430.07 December 2004 59,347,557.79 29,446,511.41 January 2005 58,387,318.05 28,431,983.83 February 2005 57,434,005.66 27,444,318.55 March 2005 56,487,572.79 26,482,996.11 April 2005 55,547,971.96 25,547,506.16 May 2005 54,615,155.99 24,637,347.34 June 2005 53,689,078.07 23,752,027.09 July 2005 52,769,691.67 22,891,061.55 August 2005 51,856,950.64 22,053,975.38 September 2005 50,950,809.10 21,240,301.60 October 2005 50,051,221.53 20,449,581.49 November 2005 49,158,142.71 19,681,364.43 December 2005 48,271,527.73 18,935,207.76 January 2006 47,391,332.01 18,210,676.64 February 2006 46,517,511.27 17,507,343.94 March 2006 45,650,021.56 16,824,790.07 April 2006 44,788,819.20 16,162,602.89 May 2006 43,933,860.85 15,520,377.57 June 2006 43,085,103.46 14,897,716.47 July 2006 42,242,504.28 14,294,228.99 August 2006 41,406,020.87 13,709,531.50 September 2006 40,575,611.06 13,143,247.17 October 2006 39,751,233.01 12,595,005.89 November 2006 38,932,845.16 12,064,444.15 December 2006 38,120,406.22 11,551,204.92 January 2007 37,313,875.22 11,054,937.51 February 2007 $36,513,211.46 $10,575,297.54 March 2007 35,718,374.53 10,111,946.75 April 2007 34,929,324.31 9,664,552.95 May 2007 34,146,020.93 9,232,789.88 June 2007 33,368,424.85 8,816,337.16 July 2007 32,596,496.76 8,414,880.11 August 2007 31,830,197.66 8,028,109.74 September 2007 31,069,488.80 7,655,722.58 October 2007 30,314,331.71 7,297,420.64 November 2007 29,564,688.20 6,952,911.27 December 2007 28,820,520.32 6,621,907.11 January 2008 28,081,790.43 6,304,125.97 February 2008 27,348,461.10 5,999,290.78 March 2008 26,620,495.22 5,707,129.43 April 2008 25,897,855.89 5,427,374.76 May 2008 25,180,506.49 5,159,764.45 June 2008 24,468,410.68 4,904,040.91 July 2008 23,761,532.33 4,659,951.24 August 2008 23,059,835.60 4,427,247.13 September 2008 22,363,284.88 4,205,684.76 October 2008 21,671,844.82 3,995,024.77 November 2008 20,985,480.33 3,795,032.15 December 2008 20,304,156.53 3,605,476.17 January 2009 19,674,376.78 3,482,332.64 February 2009 19,049,457.95 3,368,701.53 March 2009 18,429,366.01 3,264,366.86 April 2009 17,814,067.18 3,169,116.65 May 2009 17,203,527.91 3,082,742.81 June 2009 16,597,714.90 3,005,041.10 July 2009 15,996,595.07 2,935,811.08 August 2009 15,406,662.03 2,868,329.53 September 2009 14,829,798.70 2,800,487.85 October 2009 14,265,747.16 2,732,322.08 November 2009 13,714,254.40 2,663,867.09 December 2009 13,175,072.23 2,595,156.63 January 2010 12,683,566.13 2,522,751.65 February 2010 12,203,383.43 2,450,251.51 March 2010 11,734,294.81 2,377,685.31 April 2010 11,276,075.39 2,305,081.15 May 2010 10,828,504.60 2,232,466.14 June 2010 10,391,366.19 2,159,866.46 July 2010 9,964,448.03 2,087,307.34 August 2010 9,547,542.12 2,014,813.12 September 2010 $9,140,444.49 $1,942,407.27 October 2010 8,742,955.11 1,870,112.39 November 2010 8,354,877.81 1,797,950.24 December 2010 7,976,020.23 1,725,941.80 January 2011 7,670,943.89 1,648,400.06 February 2011 7,373,409.98 1,571,288.60 March 2011 7,083,255.88 1,494,620.92 April 2011 6,800,322.25 1,418,409.86 May 2011 6,524,452.98 1,342,667.65 June 2011 6,255,495.11 1,267,405.91 July 2011 5,993,298.75 1,192,635.68 August 2011 5,737,717.06 1,118,367.41 September 2011 5,488,606.18 1,044,611.03 October 2011 5,245,825.16 971,375.91 November 2011 5,009,235.89 898,670.90 December 2011 4,778,703.08 826,504.36 January 2012 4,610,211.97 750,726.55 February 2012 4,445,936.70 675,768.95 March 2012 4,285,782.14 601,630.11 April 2012 4,129,655.21 528,308.33 May 2012 3,977,464.77 455,801.66 June 2012 3,829,121.63 384,107.93 July 2012 3,684,538.49 313,224.73 August 2012 3,543,629.93 243,149.47 September 2012 3,406,312.32 173,879.33 October 2012 3,272,503.83 105,411.31 November 2012 3,142,124.36 37,742.22 December 2012 3,015,095.54 0.00 January 2013 2,937,667.92 0.00 February 2013 2,861,761.22 0.00 March 2013 2,787,346.18 0.00 April 2013 2,714,394.10 0.00 May 2013 2,642,876.81 0.00 June 2013 2,572,766.69 0.00 July 2013 2,504,036.63 0.00 August 2013 2,436,660.04 0.00 September 2013 2,370,610.85 0.00 October 2013 2,305,863.46 0.00 November 2013 2,242,392.78 0.00 December 2013 2,180,174.17 0.00 January 2014 2,119,183.50 0.00 February 2014 2,059,397.05 0.00 March 2014 2,000,791.58 0.00 April 2014 1,943,344.30 0.00 May 2014 1,887,032.83 0.00 June 2014 1,831,835.22 0.00 July 2014 1,777,729.96 0.00 August 2014 1,724,695.92 0.00 September 2014 1,672,712.40 0.00 October 2014 1,621,759.06 0.00 November 2014 1,571,815.99 0.00 December 2014 1,522,863.62 0.00 January 2015 1,474,882.78 0.00 February 2015 1,427,854.65 0.00 March 2015 1,381,760.77 0.00 April 2015 1,336,583.05 0.00 May 2015 1,292,303.72 0.00 June 2015 1,248,905.36 0.00 July 2015 1,206,370.89 0.00 August 2015 1,164,683.54 0.00 September 2015 1,123,826.87 0.00 October 2015 1,083,784.75 0.00 November 2015 1,044,541.38 0.00 December 2015 1,006,081.21 0.00 January 2016 968,389.05 0.00 February 2016 931,449.94 0.00 March 2016 895,249.26 0.00 April 2016 859,772.63 0.00 May 2016 825,005.97 0.00 June 2016 790,935.45 0.00 July 2016 757,547.52 0.00 August 2016 724,828.88 0.00 September 2016 692,766.48 0.00 October 2016 661,347.54 0.00 November 2016 630,559.50 0.00 December 2016 600,390.06 0.00 January 2017 570,827.15 0.00 February 2017 541,858.93 0.00 March 2017 513,473.77 0.00 April 2017 485,660.29 0.00 May 2017 458,407.32 0.00 June 2017 431,703.90 0.00 July 2017 405,539.28 0.00 August 2017 379,902.92 0.00 September 2017 354,784.48 0.00 October 2017 330,173.81 0.00 November 2017 $306,060.97 $0.00 December 2017 282,436.21 0.00 January 2018 259,289.95 0.00 February 2018 236,612.82 0.00 March 2018 214,395.60 0.00 April 2018 192,629.27 0.00 May 2018 171,304.99 0.00 June 2018 150,414.05 0.00 July 2018 129,947.96 0.00 August 2018 109,898.35 0.00 September 2018 90,257.03 0.00 October 2018 71,015.98 0.00 November 2018 52,167.31 0.00 December 2018 33,703.29 0.00 January 2019 15,616.35 0.00 February 2019 and thereafter 0.00 0.00