EX-10 3 qs1ss.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 JANUARY 1, 2004, TO STANDARD TERMS OF POOLING AND SERVICING AGREEMENT dated as of March 1, 2003 Mortgage Asset-Backed Pass-Through Certificates Series 2004-QS1 ================================================================================
Article I DEFINITIONS....................................................................4 Section 1.01. Definitions..........................................................4 Section 1.02. Use of Words and Phrases............................................16 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............22 Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular Interests; Acceptance by the Trustee.................................22 Section 2.07. Issuance of Certificates Evidencing Interest in REMIC II.............22 Section 2.08. Purposes and Powers of the Trust (See Section 2.08 of the Standard Terms)......................................................22 Article III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS................................23 Section 3.01. Master Servicer to Act as Servicer. (See Section 3.01 of the Standard Terms)...............................................................21 Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement of Subservicers' and Sellers' Obligations. (See Section 3.02 of the Standard Terms)..................................21 Section 3.03. Successor Subservicers. (See Section 3.03 of the Standard Terms).....21 Section 3.04. Liability of the Master Servicer. (See Section 3.04 of the Standard Terms)...............................................................21 Section 3.05. No Contractual Relationship Between Subservicer and Trustee or Certificateholders. (See Section 3.05 of the Standard Terms)......... ...................................................21 Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee. (See Section 3.06 of the Standard Terms).............................21 i Page Section 3.07. Collection of Certain Mortgage Loan Payments; Deposits to Custodial Account................................................... 21 Section 3.08. Subservicing Accounts; Servicing Accounts. (See Section 3.08 of the Standard Terms)..................................................22 Section 3.09. Access to Certain Documentation and Information Regarding the Mortgage Loans. (See Section 3.09 of the Standard Terms)......................22 Section 3.10. Permitted Withdrawals from the Custodial Account. (See Section 3.10 of the Standard Terms)..........................................22 Section 3.11. Maintenance of the Primary Insurance Policies; Collections Thereunder. (See Section 3.11 of the Standard Terms).................22 Section 3.12. Maintenance of Fire Insurance and Omissions and Fidelity Coverage. (See Section 3.12 of the Standard Terms)...................22 Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and Modification Agreements; Certain Assignments. (See Section 3.13 of the Standard Terms)...............................................................23 Section 3.14. Realization Upon Defaulted Mortgage Loans. (See Section 3.14 of the Standard Terms)..................................................... 23 Section 3.15. Trustee to Cooperate; Release of Mortgage Files. (See Section 3.15 of the Standard Terms)..............................................23 Section 3.16. Servicing and Other Compensation; Compensating Interest. (See Section 3.16 of the Standard Terms).............................23 Section 3.17. Reports to the Trustee and the Company. (See Section 3.17 of the Standard Terms)......................................................23 Section 3.18. Annual Statement as to Compliance. (See Section 3.18 of the Standard Terms)...............................................................23 Section 3.19. Annual Independent Public Accountants' Servicing Report. (See Section 3.19 of the Standard Terms).............................23 Section 3.20. Rights of the Company in Respect of the Master Servicer. (See Section 3.20 of the Standard Terms).............................23 Section 3.21. Administration of Buydown Funds (See Section 3.21 of the Standard Terms) 23 Article IV PAYMENTS TO CERTIFICATEHOLDERS.................................................24 Section 4.01. Certificate Account. (See Section 4.01 of the Standard Terms) .....24 Section 4.02. Distributions. ......................................................24 Section 4.03. Statements to Certificateholders; Exchange Act Reporting (See Section 4.04 of the Standard Terms)..................................39 ii Section 4.04. Distribution of Reports to the Trustee and the Company; Advances by the Master Servicer (See Section 4.03 of the Standard Terms)......................................................39 Section 4.05. Allocation of Realized Losses. ......................................39 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..........................................42 Article VII DEFAULT......................................................................43 Article VIII CONCERNING THE TRUSTEE.......................................................44 Article IX TERMINATION..................................................................45 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. ................................................ 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)........................................................ Article X REMIC PROVISIONS............................................................46 Section 10.01.REMIC Administration. (See Section 10.01 of the Standard Terms).....46 Section 10.02.Master Servicer; REMIC Administrator and Trustee Indemnification. (See Section 10.02 of the Standard Terms)..........46 Section 10.03.Designation of REMICs................................................46 iii Section 10.04.Distributions on the Uncertificated REMIC I and REMIC II Regular Interests....................................................46 Section 10.05.Compliance with Withholding Requirements.............................48 Article XI MISCELLANEOUS PROVISIONS......................................................50 Section 11.01.Amendment. (See Section 11.01 of the Standard Terms)................50 Section 11.02.Recordation of Agreement; Counterparts. (See Section 11.02 of the Standard Terms)..................................................50 Section 11.03.Limitation on Rights of Certificateholders. (See Section 11.03 of the Standard Terms)...............................................50 Section 11.04.Governing Laws. (See Section 11.04 of the Standard Terms)...........50 Section 11.05.Notices..............................................................50 Section 11.06.Required Notices to Rating Agency and Subservicer. (See Section 11.06 of the Standard Terms).................................51 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).........................................51 Section 11.09.Allocation of Voting Rights..........................................51 Section 11.10.No Petition..........................................................51
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 v This is a Series Supplement, dated as of January 1, 2004 (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 MOODY'S DENOMINATIONS(2) - Class A-1 4.25% $215,000,000.00 Senior/Fixed Rate January 25, AAA/Aaa $25,000.00 2034 Class A-2 Adjustable Senior/Accretion January 25, AAA/Aaa $25,000.00 Rate(3) $51,847,200.00 Directed/Floater/ 2034 Adjustable Rate Class A-3 Adjustable $0(4) Senior/Interest January 25, AAA/Aaa $2,000,000.00 Rate(3) Only/Inverse 2034 Floater/Adjustable Rate Class A-4 5.50% $15,724,000.00 Senior/Accretion January 25, AAA/Aaa $25,000.00 Directed/Fixed Rate 2034 Class A-5 5.75% $18,461,800 Senior/Accrual/Fixed January 25, AAA/Aaa $25,000.00 Rate 2034 5.75% $0(4) Senior/Interest January 25, AAA/Aaa $2,000,000.00 Class A-6 Only/Fixed Rate 2034 Class A-P 0.00% $1,889,544.16 Principal Only/Senior January 25, AAA/Aaa $25,000.00 2034 Class A-V Variable $0.00 Variable January 25, AAA/Aaa (6) Rate(5) Strip/Interest 2034 Only/Senior Class R-I 5.75% $100.00 Residual/Senior/Fixed January 25, AAA/Aaa (7) Rate 2034 Class R-II 5.75% $100.00 Residual/Senior/Fixed January 25, AAA/Aaa (7) Rate 2034 Class M-1 5.75% $7,677,300.00 Mezzanine/Fixed Rate January 25, AA/NA $25,000.00 2034 Class M-2 5.75% $3,518,600.00 Mezzanine/Fixed Rate January 25, A/NA $250,000.00 2034 Class M-3 5.75% $2,392,000.00 Mezzanine/Fixed Rate January 25, BBB/NA $250,000.00 2034 Class B-1 5.75% $1,119,600.00 Subordinate/Fixed January 25, BB/NA $250,000.00 Rate 2034 Class B-2 5.75% $1,279,500.00 Subordinate/Fixed January 25, B/NA $250,000.00 Rate 2034 Class B-3 5.75% $1,119,630.60 Subordinate/Fixed January 25, NA/NA $250,000.00 Rate 2034
1 The Certificates, other than the Class A-P, Class A-V, Class B and Class R Certificates shall be Book-Entry Certificates. The Class A-P, Class A-V, Class B and Class R Certificates shall be delivered to the holders thereof in physical form. 2 The Certificates, other than the Class A-V and Class R Certificates, shall be issuable in minimum dollar denominations as indicated above (by Certificate Principal Balance or Notional Amount, as applicable) and integral multiples of $1 (or $1,000 in the case of the Class A-P, Class B-1, Class B-2 and Class B-3 Certificates) in excess thereof, except that one Certificate of any of the Class A-P and Class B-1, Class B-2 and Class B-3 Certificates that contain an uneven multiple of $1,000 shall be issued in a denomination equal to the sum of the related minimum denomination set forth above and such uneven multiple for such Class or the sum of such denomination and an integral multiple of $1,000. 3 ------------------------ ------------ -------------- ---------- --------- Adjustable Rates: Initial Formula Maximum Minimum ------------------------ ------------ -------------- ---------- --------- ------------------------ ------------ -------------- ---------- --------- Class A-2 Certificates 1.65% LIBOR + 0.55% 8.00% 0.55% ------------------------ ------------ -------------- ---------- --------- ------------------------ ------------ -------------- ---------- --------- Class A-3 Certificates 6.35% 7.45% - LIBOR 7.45% 0.00% 4 Each of the Class A-3 Certificates and Class A-6 Certificates do not have a principal balance. For the purpose of calculating interest payments, interest on the Class A-3 Certificates will accrue on a notional amount equal to the Certificate Principal Balance of the Class A-2 Certificates immediately prior to the related distribution date. For the purpose of calculating interest payments, interest on the Class A-6 Certificates will accrue on a notional amount equal to the product of 0.169686390293 and the Certificate Principal Balance of the Class A-1 Certificates immediately prior to the related distribution date. 5 The initial Pass-Through Rate on the Class A-V Certificates is 0.4626%. 6 The Class A-V Certificates shall be issuable in minimum denominations of not less than a 20% Percentage Interest. 7 Each class of the Class R Certificates shall be issuable in minimum denominations of not less than a 20% Percentage Interest; provided, however, that one Class R Certificate of each Class will be issuable to Residential Funding as "tax matters person" pursuant to Section 10.01(c) and (e) in a minimum denomination representing a Percentage Interest of not less than 0.01%. 2 Mortgage Loans have an aggregate principal balance as of the Cut-off Date of $319,876,474.76. In consideration of the mutual agreements herein contained, the Company, the Master Servicer and the Trustee agree as follows: 3 ARTICLE I DEFINITIONS Section 1.01...Definitions. Whenever used in this Agreement, the following words and phrases, unless the context otherwise requires, shall have the meanings specified in this Article. Accretion Directed Certificates: Any of the Class A-2 Certificates or the Class A-4 Certificates. Accretion Termination Date: The earlier to occur of (i) the Distribution Date on which the aggregate Certificate Principal Balance of the Class A-2 Certificates has been reduced to zero and (ii) the Credit Support Depletion Date. Accrual Certificates: The Class A-5 Certificates. Accrual Distribution Amount: With respect to any Distribution Date on or prior to the Accretion Termination Date, an amount equal to the amount of Accrued Certificate Interest on the Class A-5 Certificates that is added to the Certificate Principal Balance thereof on such Distribution Date pursuant to Section 4.02(h). 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) 150,000 over (B) the aggregate amount of Bankruptcy Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 of this Series Supplement. As of any date of determination on or after the first anniversary of the Cut-off Date, an amount equal to the excess, if any, of (1) the lesser of (a) the Bankruptcy Amount calculated as of the close of business on the Business Day immediately preceding the most recent anniversary of the Cut-off Date coinciding with or preceding such date of determination (or, if such date of determination is an anniversary of the Cut-off Date, the Business Day immediately preceding such date of determination) (for purposes of this definition, the "Relevant Anniversary") and (b) the greater of (A) (i) if the aggregate principal balance of the Non-Primary Residence Loans as of the Relevant Anniversary is less than 10% of the Stated Principal Balance of the Mortgage Loans as of the Relevant Anniversary, $0.00, or (ii) if the aggregate principal balance of the Non-Primary Residence Loans as of the Relevant Anniversary is equal to or greater than 10% of the Stated Principal Balance of the Mortgage Loans as of the Relevant Anniversary, the sum of (I) the aggregate principal balance of the Non-Primary Residence Loans with a Loan-to-Value Ratio of greater than 80.00% but less than or equal to 90.00% (other than Additional Collateral Loans), times 0.25%, (II) the aggregate principal balance of the Non-Primary Residence Loans with a Loan-to-Value Ratio of greater than 90.00% but less than or equal to 95.00% (other than Additional Collateral Loans), times 0.50%, and (III) the aggregate principal balance of the 4 Non-Primary Residence Loans with a Loan-to-Value Ratio of greater than 95.00% (other than Additional Collateral Loans) times 0.75%, in each case as of the Relevant Anniversary; and (B) the greater of (i) 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 2004-QS1" and which must be an Eligible Account. Certificate Policy: None. Class A Certificate: Any one of the Class A-1, Class A-2, Class A-3, Class A-4, Class A-5, Class A-6, Class A-V or Class A-P Certificates, executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit A. Class 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 5 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); (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. 6 Closing Date: January 29, 2003. Corporate Trust Office: The principal office of the Trustee at which at any particular time its corporate trust business with respect to this Agreement shall be administered, which office at the date of the execution of this instrument is located at 1761 East St. Andrew Place, Santa Ana, California 92705-4934, Attention: Residential Funding Corporation Series 2004-QS1. Cut-off Date: January 1, 2004. 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 [3.00]% 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) [2.00]% 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: $[ ], 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-3 Certificates, $51,847,200. With respect to the Class A-6 Certificates, $36,482,573.91. 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: 2.40% Class B-1: 0.35 Class M-2: 1.10% Class B-2: 0.40% 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-3, Class A-6 or Class A-V Certificates. The Interest Only Certificates will have no Certificate Principal Balance. Maturity Date: January 25, 2034, the Distribution Date immediately following the latest scheduled maturity date of any Mortgage Loan. Mortgage Loan Schedule: The list or lists of the Mortgage Loans attached hereto as Exhibit One (as amended from time to time to reflect the addition of Qualified Substitute Mortgage Loans), which list or lists shall set forth the following information as to each Mortgage Loan: (i) the Mortgage Loan identifying number ("RFC LOAN #"); 8 (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-3 Certificates, the Certificate Principal Balance of the Class A-2 Certificates immediately prior to such date, (ii) with respect to the Class A-6 Certificates, the product of 16.9686390293% and the Certificate Principal Balance of the Class A-1 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. o With respect to the Class A-2 Certificates and the initial Interest Accrual Period, 1.65% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to LIBOR plus 0.55%, subject to a maximum rate of 8.00% per annum and a minimum rate of 0. 55% per annum. 9 o With respect to the Class A-3 Certificates and the initial Interest Accrual Period, 6.35% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 7.45% minus LIBOR, subject to a maximum rate of 7.45% 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 0.4626% 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 10.0% per annum of the then outstanding principal balance of the related Mortgage Loans in the first month of the life of such Mortgage Loans and an additional approximately 0.90909091% per annum in each month thereafter until the twelfth month, and beginning in the twelfth month and in each month thereafter during the life of the Mortgage Loans, a constant prepayment rate of 20.0% per annum. Prepayment Distribution Percentage: With respect to any Distribution Date and each Class of Subordinate Certificates, under the applicable circumstances set forth below, the respective percentages set forth below: (i) For any Distribution Date prior to the Distribution Date in February 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 10 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, 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. 11 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). 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)(W) (excluding any amount distributable pursuant to clause (E) of the definition of "Class A-P 12 Principal Distribution Amount") and Section 4.02(a)(ii)(X) of this Series Supplement, and (b) the sum of the amounts required to be distributed to the Senior Certificateholders on such Distribution Date pursuant to Sections 4.02(a)(ii)(Y), 4.02(a)(xvi) and 4.02(a)(xvii) of this Series Supplement. Special Hazard Amount: As of any Distribution Date, an amount equal to $3,189,368 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 greatest of (i) twice the outstanding principal balance of the Mortgage Loan in the Trust Fund which has the largest outstanding principal balance on the Distribution Date immediately preceding such anniversary, (ii) the product of 1.00% multiplied by the outstanding principal balance of all Mortgage Loans on the Distribution Date immediately preceding such anniversary and (iii) the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of the Mortgage Loans in any single five-digit California zip code area with the largest amount of Mortgage Loans by aggregate principal balance as of such anniversary. 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 13 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. 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 14 previously deemed distributed with respect to such interest and applied to reduce the Uncertificated Principal Balance thereof pursuant to Section 10.04(a)(ii) and (y) the aggregate of all reductions in Certificate Principal Balance deemed to have occurred in connection with Realized Losses that were previously deemed allocated to the Uncertificated Principal Balance of such Uncertificated REMIC I Regular Interest pursuant to Section 10.04(d), which equals the aggregate principal balance of the Classes of Certificates identified as related to such Uncertificated REMIC I Regular Interest in such table. 2. The Uncertificated Pass-Through Rate for each Uncertificated REMIC I Regular Interest identified in the table below shall be the per annum rate set forth in the Pass-Through Rate column of such table. 3. The Uncertificated REMIC I Distribution Amount for each REMIC I Regular Interest identified in the table below shall be, for any Distribution Date, the amount deemed distributed with respect to such Uncertificated REMIC I Regular Interest on such Distribution Date pursuant to the provisions of Section 10.04(a).
----------------------- --------------------------------- ------------------ -------------------- Uncertificated REMIC Related Classes of Certificates Pass-Through Rate Initial Principal I Regular Interest Balance ----------------------- --------------------------------- ------------------ -------------------- ----------------------- --------------------------------- ------------------ -------------------- T Class A-1, Class A-6 5.225696744% $ 215,000,000.00 ----------------------- --------------------------------- ------------------ -------------------- ----------------------- --------------------------------- ------------------ -------------------- U Class A-2, Class A-3 8.00% $ 51,847,200.00 ----------------------- --------------------------------- ------------------ -------------------- ----------------------- --------------------------------- ------------------ -------------------- V Class A-4 5.75% $ 15,724,000.00 ----------------------- --------------------------------- ------------------ -------------------- ----------------------- --------------------------------- ------------------ -------------------- W Class A-5 5.50% $ 18,461,800.00 ----------------------- --------------------------------- ------------------ -------------------- ----------------------- --------------------------------- ------------------ -------------------- X Class A-P 0.00% $ 1,889,544.16 ----------------------- --------------------------------- ------------------ -------------------- ----------------------- --------------------------------- ------------------ -------------------- Y Class R-II, Class M-1, Class 5.75% $ 16,953,930.60 M-2, Class M-3, Class B-1, Class B-2, Class B-3 ----------------------- --------------------------------- ------------------ --------------------
Uncertificated REMIC I Regular Interests Z: Each of the 1,893 uncertificated partial undivided beneficial ownership interests in the Trust Fund, numbered sequentially from 1 to 1,893, 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. 15 Uncertificated REMIC II Regular Interests Z: Each of the 1,893 uncertificated partial undivided beneficial ownership interests in REMIC II numbered sequentially from 1 through 1,893 each relating to the identically numbered Uncertificated REMIC I Regular Interests Z, each having no principal balance and bearing interest at a rate equal to the related Pool Strip Rate on the Stated Principal Balance of the Mortgage Loan related to the identically numbered Uncertificated REMIC I Regular Interests Z, comprising such Uncertificated REMIC II Regular Interests Z's pro rata share of the amount distributed pursuant to Sections 10.04(a). Uncertificated REMIC II Regular Interests Distribution Amount: With respect to any Distribution Date, the sum of the amounts deemed to be distributed on the Uncertificated REMIC I Regular Interests Z for such Distribution Date pursuant to Section 10.04(a). Underwriters: Greenwich Capital Markets, Inc. and Citigroup Markets, Inc. Section 1.02...Use of Words and Phrases. "Herein," "hereby," "hereunder," "hereof," "hereinbefore," "hereinafter" and other equivalent words refer to the Pooling and Servicing Agreement as a whole. All references herein to Articles, Sections or Subsections shall mean the corresponding Articles, Sections and Subsections in the Pooling and Servicing Agreement. The definitions set forth herein include both the singular and the plural. Section 1.03. Determination of LIBOR. LIBOR applicable to the calculation of the Pass-Through Rates on the 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 16 request the principal London office of each of the reference banks to provide a quotation of its rate. If at least two such quotations are provided, the rate will be the arithmetic mean of the quotations rounded up to the next multiple of 1/16%. If on such date fewer than two quotations are provided as requested, the rate will be the arithmetic mean of the rates quoted by one or more major banks in New York City, selected by the Trustee after consultation with the Master Servicer, as of 11:00 a.m., New York City time, on such date for loans in U.S. Dollars to leading European banks for a period of one month in amounts approximately equal to the aggregate Certificate Principal Balance of the Adjustable Rate Certificates then outstanding. If no such quotations can be obtained, the rate will be LIBOR for the prior Distribution Date, or, in the case of the first LIBOR Rate Adjustment Date, 1.10% per annum; provided, however, if, under the priorities described above, LIBOR for a Distribution Date would be based on LIBOR for the previous Distribution Date for the third consecutive Distribution Date, the Trustee shall, after consultation with the Master Servicer, select an alternative comparable index (over which the Trustee has no control), used for determining one-month Eurodollar lending rates that is calculated and published (or otherwise made available) by an independent party. "LIBOR Business Day" means any day other than (i) a Saturday or a Sunday or (ii) a day on which banking institutions in the city of London, England are required or authorized by law to be closed. The establishment of LIBOR by the Trustee on any LIBOR Rate Adjustment Date and the Master Servicer's subsequent calculation of the Pass-Through Rates applicable to each of the 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. 17 ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES Section 2.01. Conveyance of Mortgage Loans. (See Section 2.01 of the Standard Terms) Section 2.02. Acceptance by Trustee. (See Section 2.02 of the Standard Terms) Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Company. (a) For representations, warranties and covenants of the Master Servicer, see Section 2.03(a) of the Standard Terms. (b) The Company hereby represents and warrants to the Trustee for the benefit of Certificateholders that as of the Closing Date (or, if otherwise specified below, as of the date so specified): (i) No Mortgage Loan is 30 or more days Delinquent in payment of principal and interest as of the Cut-off Date and no Mortgage Loan has been so Delinquent more than once in the 12-month period prior to the Cut-off Date; (ii) The information set forth in Exhibit One hereto with respect to each Mortgage Loan or the Mortgage Loans, as the case may be, is true and correct in all material respects at the date or dates respecting which such information is furnished; (iii) The Mortgage Loans are fully-amortizing, fixed-rate mortgage loans with level Monthly Payments due, with respect to a majority of the Mortgage Loans, on the first day of each month and terms to maturity at origination or modification of not more than 30 years; (iv) To the best of the Company's knowledge, except with respect to six Mortgage Loans representing approximately 0.2% of the principal balance of the Mortgage Loans at origination, if a Mortgage Loan is secured by a Mortgaged Property with a Loan-to-Value Ratio at origination in excess of 80%, such Mortgage Loan is the subject of a Primary Insurance Policy that insures (a) at least 35% of the Stated Principal Balance of the Mortgage Loan at origination if the Loan-to-Value Ratio is between 100.00% and 95.01%, (b) at least 30% of the Stated Principal Balance of the Mortgage Loan at origination if the Loan-to-Value Ratio is between 95.00% and 90.01%, (c) at least 25% of such balance if the Loan-to-Value Ratio is between 90.00% and 85.01% and (d) at least 12% of such balance if the Loan-to-Value Ratio is between 85.00% and 80.01%. To the best of the Company's knowledge, each such Primary Insurance Policy is in full force and effect and the Trustee is entitled to the benefits thereunder; (v) The issuers of the Primary Insurance Policies are insurance companies whose claims-paying abilities are currently acceptable to each Rating Agency; 18 (vi) No more than 0.6% 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 Florida and no more than 0.3% 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 Florida ; (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 58.63% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a reduced loan documentation program, approximately [ ]% 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 [ ]% 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 32.20% 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); 19 (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 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 20 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 21 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 Schedule, and, if the Deleted Mortgage Loan was a Discount Mortgage Loan, the Schedule of Discount Fractions, for the benefit of the Certificateholders to reflect the removal of such Deleted Mortgage Loan and the substitution of the Qualified Substitute Mortgage Loan or Loans and the Master Servicer shall deliver the amended Mortgage Loan Schedule, and, if the Deleted Mortgage Loan was a Discount Mortgage Loan, the amended Schedule of Discount Fractions, to the Trustee. Upon such substitution, the Qualified Substitute Mortgage Loan or Loans shall be subject to the terms of this Agreement and the related Subservicing Agreement in all respects, the related Seller shall be deemed to have made the representations and warranties with respect to the Qualified Substitute Mortgage Loan contained in the related Seller's Agreement as of the date of substitution, insofar as Residential Funding's rights in respect of such representations and warranties are assigned to the Company pursuant to the Assignment Agreement, and the Company and the Master Servicer shall be deemed to have made with respect to any Qualified Substitute Mortgage Loan or Loans, as of the date of substitution, the covenants, representations and warranties set forth in this Section 2.04, in Section 2.03 hereof and in Section 4 of the Assignment Agreement, and the Master Servicer shall be obligated to repurchase or substitute for any Qualified Substitute Mortgage Loan as to which a Repurchase Event (as defined in the Assignment Agreement) has occurred pursuant to Section 4 of the Assignment Agreement. In connection with the substitution of one or more Qualified Substitute Mortgage Loans for one or more Deleted Mortgage Loans, the Master Servicer will determine the amount (if any) by which the aggregate principal balance of all such Qualified Substitute Mortgage Loans as of the date of substitution is less than the aggregate Stated Principal Balance of all such Deleted Mortgage Loans (in each case after application of the principal portion of the Monthly Payments due in the month of substitution that are to be distributed to the Certificateholders in the month of substitution). Residential Funding shall deposit the amount of such shortfall into the Custodial Account on the day of substitution, without any reimbursement therefor. Residential Funding shall give notice in writing to the Trustee of such event, which notice shall be accompanied by an Officers' Certificate as to the calculation of such shortfall and (subject to Section 10.01(f)) by an Opinion of Counsel to the effect that such substitution will not cause (a) any federal tax to be imposed on the Trust Fund, including without limitation, any federal tax imposed on "prohibited transactions" under Section 860F(a)(1) of the Code or on "contributions after the startup date" under Section 860G(d)(1) of the Code or (b) any portion of any REMIC to fail to qualify as such at any time that any Certificate is outstanding. It is understood and agreed that the obligation of the Seller or Residential Funding, as the case may be, to cure such breach or purchase (or in the case of Residential Funding to substitute for) such Mortgage Loan as to which such a breach has occurred and is continuing and to make any additional payments required under the Assignment Agreement in connection with a breach of the representation and warranty in clause (k) of Section 4 thereof shall constitute the sole remedy respecting such breach available to the Certificateholders or the Trustee on behalf of Certificateholders. If the Master 22 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. Section 2.08. Purposes and Powers of the Trust. (See Section 2.08 of the Standard Terms). 23 ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS Section 3.01. Master Servicer to Act as Servicer. (See Section 3.01 of the Standard Terms) Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement of Subservicers' and Sellers' Obligations. (See Section 3.02 of the Standard Terms) Section 3.03. Successor Subservicers. (See Section 3.03 of the Standard Terms) Section 3.04. Liability of the Master Servicer. (See Section 3.04 of the Standard Terms) Section 3.05. No Contractual Relationship Between Subservicer and Trustee or Certificateholders. (See Section 3.05 of the Standard Terms) Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee. (See Section 3.06 of the Standard Terms) Section 3.07. Collection of Certain Mortgage Loan Payments; Deposits to Custodial Account. (a) The Master Servicer shall make reasonable efforts to collect all payments called for under the terms and provisions of the Mortgage Loans, and shall, to the extent such procedures shall be consistent with this Agreement and the terms and provisions of any related Primary Insurance Policy, follow such collection procedures as it would employ in its good faith business judgment and which are normal and usual in its general mortgage servicing activities. Consistent with the foregoing, the Master Servicer may in its discretion (i) waive any late payment charge or any prepayment charge or penalty interest in connection with the prepayment of a Mortgage Loan and (ii) extend the Due Date for payments due on a Mortgage Loan in accordance with the Program Guide; provided, however, that the Master Servicer shall first determine that any such waiver or extension will not impair the coverage of any related Primary Insurance Policy or materially adversely affect the lien of the related Mortgage. In the event of any such arrangement, the Master Servicer shall make timely advances on the related Mortgage Loan during the scheduled period in accordance with the amortization schedule of such Mortgage Loan without modification thereof by reason of such arrangements unless otherwise agreed to by the Holders of the Classes of Certificates affected thereby; provided, however, that no such extension shall be made if any such advance would be a Nonrecoverable Advance. Consistent with the terms of this Agreement, the Master Servicer may also waive, modify or vary any term of any Mortgage Loan or consent to the postponement of strict compliance with any such term or in any manner grant indulgence to any Mortgagor if in the Master Servicer's determination such waiver, modification, postponement or indulgence is not materially adverse to the interests of the Certificateholders (taking into account any estimated Realized Loss that might result absent such action); provided, however, that the Master Servicer may not modify materially or permit any Subservicer to modify 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 24 adding such amount to the outstanding principal balance of the Mortgage Loan, or extend the final maturity date of such Mortgage Loan, unless such Mortgage Loan is in default or, in the judgment of the Master Servicer, such default is reasonably foreseeable; provided, further, that (1) no such modification shall reduce the interest rate on a Mortgage Loan below one-half of the Mortgage Rate as in effect on the Cut-off Date, but not less than the rates at which the Servicing Fee and the Subservicing Fee with respect to such Mortgage Loan accrue, (2) the final maturity date for any Mortgage Loan shall not be extended beyond the Maturity Date, (3) the Stated Principal Balance of all Reportable Modified Mortgage Loans subject to Servicing Modifications (measured at the time of the Servicing Modification and after giving effect to any Servicing Modification) can be no more than five percent of the aggregate principal balance of the Mortgage Loans as of the Cut-off Date, unless such limit is increased from time to time with the consent of the Rating Agencies. In addition, any amounts owing on a Mortgage Loan added to the outstanding principal balance of such Mortgage Loan must be fully amortized over the remaining term of such Mortgage Loan, and such amounts may be added to the outstanding principal balance of a Mortgage Loan only once during the life of such Mortgage Loan. Also, the addition of such amounts described in the preceding sentence shall be implemented in accordance with the Program Guide and may be implemented only by Subservicers that have been approved by the Master Servicer for such purpose. In connection with any Curtailment of a Mortgage Loan, the Master Servicer, to the extent not inconsistent with the terms of the Mortgage Note and local law and practice, may permit the Mortgage Loan to be reamortized such that the Monthly Payment is recalculated as an amount that will fully amortize the remaining Stated Principal Balance thereof by the original Maturity Date based on the original Mortgage Rate; provided, that such re-amortization shall not be permitted if it would constitute a reissuance of the Mortgage Loan for federal income tax purposes, except if such reissuance is described in Treasury Regulation Section 1.860G-2(b)(3). (b) The Master Servicer shall establish and maintain a Custodial Account in which the Master Servicer shall deposit or cause to be deposited on a daily basis, except as otherwise specifically provided herein, the following payments and collections remitted by Subservicers or received by it in respect of the Mortgage Loans subsequent to the Cut-off Date (other than in respect of principal and interest on the Mortgage Loans due on or before the Cut-off Date): (i) All payments on account of principal, including Principal Prepayments made by Mortgagors on the Mortgage Loans and the principal component of any Subservicer Advance or of any REO Proceeds received in connection with an REO Property for which an REO Disposition has occurred; (ii) All payments on account of interest at the Adjusted Mortgage Rate on the Mortgage Loans, including Buydown Funds, if any, and the interest component of any Subservicer Advance or of any REO Proceeds received in connection with an REO Property for which an REO Disposition has occurred; 25 (iii) Insurance Proceeds, Subsequent Recoveries and Liquidation Proceeds (net of any related expenses of the Subservicer); (iv) All proceeds of any Mortgage Loans purchased pursuant to Section 2.02, 2.03, 2.04 or 4.07 (including amounts received from Residential Funding pursuant to the last paragraph of Section 4 of the Assignment Agreement in respect of any liability, penalty or expense that resulted from a breach of the representation and warranty set forth in clause 4(k) of the Assignment Agreement) and all amounts required to be deposited in connection with the substitution of a Qualified Substitute Mortgage Loan pursuant to Section 2.03 or 2.04; (v) Any amounts required to be deposited pursuant to Section 3.07(c) or 3.21; (vi) All amounts transferred from the Certificate Account to the Custodial Account in accordance with Section 4.02(a); (vii) Any amounts realized by the Subservicer and received by the Master Servicer in respect of any Additional Collateral; and (viii) Any amounts received by the Master Servicer in respect of Pledged Assets. The foregoing requirements for deposit in the Custodial Account shall be exclusive, it being understood and agreed that, without limiting the generality of the foregoing, payments on the Mortgage Loans which are not part of the Trust Fund (consisting of payments in respect of principal and interest on the Mortgage Loans due on or before the Cut-off Date) and payments or collections in the nature of prepayment charges or late payment charges or assumption fees may but need not be deposited by the Master Servicer in the Custodial Account. In the event any amount not required to be deposited in the Custodial Account is so deposited, the Master Servicer may at any time withdraw such amount from the Custodial Account, any provision herein to the contrary notwithstanding. The Custodial Account may contain funds that belong to one or more trust funds created for mortgage pass-through certificates of other series and may contain other funds respecting payments on mortgage loans belonging to the Master Servicer or serviced or master serviced by it on behalf of others. Notwithstanding such commingling of funds, the Master Servicer shall keep records that accurately reflect the funds on deposit in the Custodial Account that have been identified by it as being attributable to the Mortgage Loans. With respect to Insurance Proceeds, Liquidation Proceeds, REO Proceeds and the proceeds of the purchase of any Mortgage Loan pursuant to Sections 2.02, 2.03, 2.04 and 4.07 received in any calendar month, the Master Servicer may elect to treat such amounts as included in the Available Distribution Amount for the Distribution Date in the month of receipt, but is not obligated to do so. If the Master Servicer so elects, such amounts will be deemed to have been received (and any related Realized Loss shall be deemed to have occurred) on the last day of the month prior to the receipt thereof. (c) - (d). (See Section 3.07(c) -(d) of the Standard Terms) 26 Section 3.08. Subservicing Accounts; Servicing Accounts. (See Section 3.08 of the Standard Terms) Section 3.09. Access to Certain Documentation and Information Regarding the Mortgage Loans. (See Section 3.09 of the Standard Terms) Section 3.10. Permitted Withdrawals from the Custodial Account. (See Section 3.10 of the Standard Terms) Section 3.11. Maintenance of the Primary Insurance Policies; Collections Thereunder. (See Section 3.11 of the Standard Terms) Section 3.12. Maintenance of Fire Insurance and Omissions and Fidelity Coverage. (See Section 3.12 of the Standard Terms) Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and Modification Agreements; Certain Assignments. (See Section 3.13 of the Standard Terms) Section 3.14. Realization Upon Defaulted Mortgage Loans. (See Section 3.14 of the Standard Terms) Section 3.15. Trustee to Cooperate; Release of Mortgage Files. (See Section 3.15 of the Standard Terms) Section 3.16. Servicing and Other Compensation; Compensating Interest. (See Section 3.16 of the Standard Terms) Section 3.17. Reports to the Trustee and the Company. (See Section 3.17 of the Standard Terms) Section 3.18. Annual Statement as to Compliance. (See Section 3.18 of the Standard Terms) Section 3.19. Annual Independent Public Accountants' Servicing Report. (See Section 3.19 of the Standard Terms) Section 3.20. Rights of the Company in Respect of the Master Servicer. (See Section 3.20 of the Standard Terms) Section 3.21. Administration of Buydown Funds (See Section 3.21 of the Standard Terms) 27 ARTICLE IV PAYMENTS TO CERTIFICATEHOLDERS Section 4.01. Certificate Account. (See Section 4.01 of the Standard Terms) Section 4.02. Distributions. (a) On each Distribution Date 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 and prior to the Accretion Termination Date, the Accrual Certificates to the extent of the Accrual Distribution Amount), on a pro rata basis based on Accrued Certificate Interest payable on such Certificates with respect to such Distribution Date, Accrued Certificate Interest on such Classes of Certificates (or Subclasses, if any, with respect to the Class A-V Certificates) for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date except as provided in the last paragraph of this Section 4.02(a); and (ii) (W) to the Class A-P Certificates, the Class A-P Principal Distribution Amount (applied to reduce the Certificate Principal Balances of such Senior Certificates); (X) to the Class A-2 Certificates and Class A-4 Certificates, in the priorities and amounts set forth in Section 4.02(b)(ii), the Accrual Distribution Amount; and (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): 28 (A) the Senior Percentage for such Distribution Date times the sum of the following: (1) the principal portion of each Monthly Payment due during the related Due Period on each Outstanding Mortgage Loan (other than the related Discount Fraction of the principal portion of such payment with respect to a Discount Mortgage Loan), whether or not received on or 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 29 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); (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 30 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; (vi) to the Holders of the Class M-2 Certificates, the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below; (vii) to the Holders of the Class M-2 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date, minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Sections 4.02(a) (ix), (xi), (xiii), (xiv) and (xv) are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class M-2 Certificates; (viii) to the Holders of the Class M-3 Certificates, the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below; (ix) to the Holders of the Class M-3 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Sections 4.02(a)(xi), (xiii), (xiv) and (xv) are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class M-3 Certificates; (x) to the Holders of the Class B-1 Certificates, the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below; (xi) to the Holders of the Class B-1 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Sections 4.02(a)(xiii), (xiv) and (xv) are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class B-1 Certificates; (xii) to the Holders of the Class B-2 Certificates, the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below; (xiii) to the Holders of the Class B-2 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Sections 4.02(a)(xiv) and (xv) are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class B-2 Certificates; 31 (xiv) to the Holders of the Class B-3 Certificates, an amount equal to (x) the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below, minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Section 4.02(a)(xv) are insufficient therefor; (xv) to the Holders of the Class B-3 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates applied in reduction of the Certificate Principal Balance of the Class B-3 Certificates; (xvi) to the Senior Certificates, on a pro rata basis in accordance with their respective outstanding Certificate Principal Balances, the portion, if any, of the Available Distribution Amount remaining after the foregoing distributions, applied to reduce the Certificate Principal Balances of such Senior Certificates, but in no event more than the aggregate of the outstanding Certificate Principal Balances of each such Class of Senior Certificates, and thereafter, to each Class of Subordinate Certificates then outstanding beginning with such Class with the Highest Priority, any portion of the Available Distribution Amount remaining after the Senior Certificates have been retired, applied to reduce the Certificate Principal Balance of each such Class of Subordinate Certificates, but in no event more than the outstanding Certificate Principal Balance of each such Class of Subordinate Certificates; and (xvii) to the Class R-I Certificates, the balance, if any, of the Available Distribution Amount. Notwithstanding the foregoing, on any Distribution Date, with respect to the Class of Subordinate Certificates outstanding on such Distribution Date with the Lowest Priority, or in the event the Subordinate Certificates are no longer outstanding, the Senior Certificates, Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date will be distributable only to the extent that (1) a shortfall in the amounts available to pay Accrued Certificate Interest on any Class of Certificates results from an interest rate reduction in connection with a Servicing Modification, or (2) such unpaid Accrued Certificate Interest was attributable to interest shortfalls relating to the failure of the Master Servicer to make any required Advance, or the determination by the Master Servicer that any proposed Advance would be a Nonrecoverable Advance with respect to the related Mortgage Loan where such Mortgage Loan has not yet been the subject of a Cash Liquidation or REO Disposition or the related Liquidation Proceeds, Insurance Proceeds and REO Proceeds have not yet been distributed to the Certificateholders. 32 (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, an amount equal to the Accrual Distribution Amount shall be distributed concurrently to the Class A-2 Certificates and Class A-4 Certificates until the Certificate Principal Balance of the Class A-4 Certificates has been reduced to zero, as follows: (A) 10.00000000000% of the Accrual Distribution Amount to the Class A-2 Certificates; and (B) 90.00000000000% of the Accrual Distribution Amount to the Class A-4 Certificates; and (iii) third, subject to Section 4.02(c), 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, any remaining amount concurrently to the Class A-1 Certificates and Class A-2 Certificates until the Certificate Principal Balance of the Class A-1 Certificates has been reduced to zero, as follows:: (1) 81.1014711444% of the amount described in Section 4.02(b)(iii)(B) above to the Class A-1 Certificates; and (2) 18.8985288556% of the amount described in Section 4.02(b)(iii)(B) above to the Class A-2 Certificates; (C) third, any remaining amount concurrently to the Class A-2 Certificates and Class A-4 Certificates until the Certificate Principal Balance of the Class A-4 Certificates has been reduced to zero, as follows: (1) 10.00000000000% of the amount described in Section 4.02(b)(iii)(C) above to the Class A-2 Certificates; and (2) 90.00000000000% of the amount described in Section 4.02(b)(iii)(C) above to the Class A-4 Certificates; 33 (D) fourth, any remaining amount to the Class A-2 Certificates, until the Certificate Principal Balance of the Class A-2 Certificates has been reduced to zero; and (E) fifth, any remaining amount to the Class A-5 Certificates, until the Certificate Principal Balance of the Class A-5 Certificates has been reduced to zero. In determining the outstanding Certificate Principal Balance of the Class A-2 Certificates and the Class A-4 Certificates when allocating the Senior Principal Distribution Amount, any payment of the Accrual Distribution Amount shall first be taken into account. (c) Notwithstanding Section 4.02(b)(iii), 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. (d) After the reduction of the Certificate Principal Balances of the Senior Certificates (other than the Class A-P Certificates) to zero but prior to the Credit Support Depletion Date, the Senior Certificates (other than the Class A-P Certificates) will be entitled to no further distributions of principal thereon and the Available Distribution Amount will be paid solely to the holders of the Class A-P, Class A-V and Subordinate Certificates, in each case as described herein. (e) In addition to the foregoing distributions, with respect to any Subsequent Recoveries, the Master Servicer shall deposit such funds into the Custodial Account pursuant to Section 3.07(b)(iii). If, after taking into account such Subsequent Recoveries, the amount of a Realized Loss is reduced, the amount of such Subsequent Recoveries will be applied to increase the Certificate Principal Balance of the Class of Subordinate Certificates with a Certificate Principal Balance greater than zero with the highest payment priority to which Realized Losses, other than Excess Bankruptcy Losses, Excess Fraud Losses, Excess Special Hazard Losses and Extraordinary Losses, have been allocated, but not by more than the amount of Realized Losses previously allocated to that Class of Certificates pursuant to Section 4.05. The amount of any remaining Subsequent Recoveries will be applied to increase from zero the Certificate Principal Balance of the Class of Certificates with the next lower payment priority, up to the amount of Realized Losses previously allocated to that Class of Certificates pursuant to Section 4.05. Any remaining Subsequent Recoveries will in turn be applied to increase from zero the Certificate Principal Balance of the Class of Certificates with the next lower payment priority up to the amount of Realized Losses previously allocated to that Class of Certificates pursuant to Section 4.05, and so on. Holders of such Certificates will not be entitled to any payment in respect of Accrued Certificate Interest on the amount of such increases for any Interest Accrual Period preceding the Interest Accrual Period that relates to the Distribution Date on which such increase occurs. Any such increases shall be applied to the Certificate Principal Balance of each Certificate of such Class in accordance with its respective Percentage Interest. (f) Each distribution with respect to a Book-Entry Certificate shall be paid to the Depository, as Holder thereof, and the Depository shall be solely 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 34 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). (h) On each Distribution Date preceding the Accretion Termination Date, Accrued Certificate Interest that would otherwise be distributed to the Class A-5 Certificates will be added to the Certificate Principal Balance of the Class A-5 Certificates and such amount will thereafter accrue interest at a rate of 5.75% per annum. On the Accretion Termination Date, the Accrued Certificate Interest on the Class A-5 Certificates for such date will be payable to the holders of the Class A-2 Certificates and Class A-4 Certificates as a distribution of principal pursuant to Section 4.02(b)(ii) until the aggregate Certificate Principal Balance of the Class A-4 Certificates has been reduced to zero and any such amount will be added to the Certificate Principal Balance of the Class A-5 Certificates and then any remaining amount of Accrued Certificate Interest will be paid to the holders of the Class A-5 Certificates as a distribution of interest and will not be added to the Certificate Principal Balance thereof; provided, however, if the Accretion Termination Date is the Credit Support Depletion Date, the entire amount of Accrued Certificate Interest on the Class A-5 Certificates for such date will be payable to the holders of the Class A-5 Certificates as a distribution of interest and will not be added to the Certificate Principal Balance thereof. 35 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 remainder of such Realized Losses on the Discount Mortgage Loans and the entire amount of such Realized Losses on Non-Discount Mortgage Loans will be allocated among all Senior Certificates (other than the Class A-P Certificates) on a pro rata basis, as described below. The principal portion of any Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses and Extraordinary Losses on Discount Mortgage Loans will be allocated to the Class A-P Certificates in an amount equal to the Discount Fraction thereof and the remainder of the principal portion and the entire interest portion 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. 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 36 allocation shall be deemed to have occurred on such Distribution Date; provided that no such reduction shall reduce the aggregate Certificate Principal Balance of the Certificates below the aggregate Stated Principal Balance of the Mortgage Loans; provided further that the Certificate Principal Balance of the Accrual Certificates for purposes of this Section 4.05 shall be the lesser of (a) the Certificate Principal Balance of the Accrual Certificates as of the Closing Date, and (b) the Certificate Principal Balance of the Accrual Certificates as of the date of determination. Any allocation of the principal portion of Realized Losses (other than Debt Service Reductions) to the Subordinate Certificates then outstanding with the Lowest Priority shall be made by operation of the definition of "Certificate Principal Balance" and by operation of the provisions of Section 4.02(a). Allocations of the interest portions of Realized Losses (other than any interest rate reduction resulting from a Servicing Modification) shall be made in proportion to the amount of Accrued Certificate Interest and by operation of the definition of "Accrued Certificate Interest" and by operation of the provisions of Section 4.02(a). Allocations of the interest portion of a Realized Loss resulting from an interest rate reduction in connection with a Servicing Modification shall be made by operation of the provisions of Section 4.02(a). Allocations of the principal portion of Debt Service Reductions shall be made by operation of the provisions of Section 4.02(a). All Realized Losses and all other losses allocated to a Class of Certificates hereunder will be allocated among the Certificates of such Class in proportion to the Percentage Interests evidenced thereby; provided that if any Subclasses of the Class A-V Certificates have been issued pursuant to Section 5.01(c), such Realized Losses and other losses allocated to the Class A-V Certificates shall be allocated among such Subclasses in proportion to the respective amounts of Accrued Certificate Interest payable on such Distribution Date that would have resulted absent such reductions. Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property. (See Section 4.06 of the Standard Terms) Section 4.07. Optional Purchase of Defaulted Mortgage Loans. (See Section 4.07 of the Standard Terms) Section 4.08. Surety Bond. (See Section 4.08 of the Standard Terms) 37 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 38 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 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) 39 ARTICLE VI THE COMPANY AND THE MASTER SERVICER (SEE ARTICLE VI OF THE STANDARD TERMS) 40 ARTICLE VII DEFAULT (SEE ARTICLE VII OF THE STANDARD TERMS) 41 ARTICLE VIII CONCERNING THE TRUSTEE (SEE ARTICLE VIII OF THE STANDARD TERMS) 42 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. 43 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) 44 ARTICLE X REMIC PROVISIONS Section 10.01. REMIC Administration. (See Section 10.01 of the Standard Terms) Section 10.02. Master Servicer; REMIC Administrator and Trustee Indemnification. (See Section 10.02 of the Standard Terms) Section 10.03. Designation of REMICs. The REMIC Administrator will make an election to treat the entire segregated pool of assets described in the definition of Trust Fund, and subject to this Agreement (including the Mortgage Loans) as a REMIC ("REMIC I") and will make an election to treat the pool of assets comprised of the Uncertificated REMIC I Regular Interests as a REMIC ("REMIC II") for federal income tax purposes. The Uncertificated REMIC I Regular Interests will be "regular interests" in REMIC I and the Class R-I Certificates will be the sole class of "residual interests" in REMIC I for purposes of the REMIC Provisions (as defined herein) under the federal income tax law. The Class A-1, Class A-2, Class A-3, Class A-4, Class A-5, Class A-6, Class A-P, Class M-1, Class M-2, Class M-3, Class B-1, Class B-2 and Class B-3 Certificates and the Uncertificated REMIC II Regular Interests Z, the rights in and to which will be represented by the Class A-V Certificates, will be "regular interests" in REMIC II, and the Class R-II Certificates will be the sole class of "residual interests" therein for purposes of the REMIC Provisions (as defined herein) under federal income tax law. On and after the date of issuance of any Subclass of Class A-V Certificates pursuant to Section 5.01(c), any such Subclass will represent the Uncertificated REMIC II Regular Interest or Interests Z specified by the initial Holder of the Class A-V Certificates pursuant to said Section. Section 10.04. Distributions on the Uncertificated REMIC I and REMIC II Regular Interests. (a)On each Distribution Date the Trustee shall be deemed to distribute to itself, as the holder of the Uncertificated REMIC I Regular Interests, the Uncertificated REMIC I Regular Interest Distribution Amounts in the following order of priority to the extent of the Available Distribution Amount reduced by distributions made to the Class R-I Certificates pursuant to Section 4.02(a): (i) Uncertificated Accrued Interest on the Uncertificated REMIC I Regular Interests for such Distribution Date, plus any Uncertificated Accrued Interest thereon remaining unpaid from any previous Distribution Date; and (ii) In accordance with the priority set forth in Section 10.04(b), an amount equal to the sum of the amounts in respect of principal distributable on each Class of Certificates (other than the Class R-I Certificates) under Section 4.02(a), as allocated thereto pursuant to Section 4.02(b). 45 (b)The amount described in Section 10.04(a)(ii) shall be deemed distributed to (i) Uncertificated REMIC I Regular Interest U, (ii) Uncertificated REMIC I Regular Interest V, (iii) Uncertificated REMIC I Regular Interest W, (iv) Uncertificated REMIC I Regular Interest X and (v) 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-6 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest T; (iii) Realized Losses allocated to the Class A-2 Certificates and the Class A-3 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest U; (iv) Realized Losses allocated to the Class A-4 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest V; (v) Realized Losses allocated to the Class A-5 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest W; (vi) Realized Losses allocated to the Class A-P Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest X; (vii) Realized Losses allocated to the Class 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 (viii) Realized Losses allocated to the Uncertificated REMIC II Regular Interests Z under clause (i), above, shall be deemed allocated, in each case, to the related Uncertificated REMIC I Regular Interest Z. 46 (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. 47 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 2004-QS1 The Trustee designates its offices located at c/o DTC Transfer Services, 55 Water Street, Jeanette Street Park Entrance, New York, New York 10041, for the purposes of Section 8.12 of the Standard Terms ---------------------------------- --------------------------------------------- ---------------------------------- --------------------------------------------- Moody's Investors Service, Inc. 99 Church Street, 4th Floor New York, New York 10004 ---------------------------------- --------------------------------------------- ---------------------------------- --------------------------------------------- Standard & Poor's Ratings 55 Water Street Services, a division of The 41st Floor McGraw-Hill Companies, Inc. New York, New York 10041 ---------------------------------- --------------------------------------------- 48 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-3 Certificates, in accordance with their respective Percentage Interests; 1% of all Voting Rights shall be allocated among the Holders of the Class A-6 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. 49 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: Title: 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 50 STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 29th day of January, 2004 before me, a notary public in and for said State, personally appeared Joseph Orning, known to me to be a Vice President of Residential Accredit Loans, Inc., one of the corporations that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. /s/ Brian S. Bangerter Notary Public [Notarial Seal] STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 29th day of January, 2004 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] STATE OF CALIFORNIA ) ) ss.: COUNTY OF ORANGE ) On the 29th day of January, 2004 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] STATE OF CALIFORNIA ) ) ss.: COUNTY OF ORANGE ) On the 29th day of January, 2004 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 : 01/22/04 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 07.18.52 FIXED PASSTHRU REPORT AMORTIZED BALANCE SERIES : RALI 2004-QS1 CUTOFF : 01/01/04 POOL : 0004788 : : 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 -------------------------------------------------------------------------- 2803482 .2500 34,472.71 .0800 8.1250 .0000 7.8750 .0000 7.7950 .0000 5.7500 2.0450 8288917 .2500 137,188.89 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 8393456 .2500 131,288.96 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8413904 .2500 195,738.30 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 8457549 .2500 146,731.10 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8457557 .2500 97,983.75 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 5.7500 1.2950 1 8523042 .2500 98,558.42 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8538298 .2500 188,717.48 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8538566 .2500 31,676.04 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8562972 .2500 183,615.53 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8566086 .2500 148,077.25 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8566224 .2500 119,142.40 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8566276 .2500 340,050.88 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8566490 .2500 71,654.83 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 1 8567236 .2500 89,547.49 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8567358 .2500 359,758.24 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8604706 .2500 149,466.22 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8607290 .2500 291,459.16 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8649261 .2500 219,746.38 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8650295 .2500 100,468.57 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8652296 .2500 167,416.55 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8666882 .2500 175,520.08 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 1 8674669 .2500 169,662.19 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 5.7500 1.2950 8675610 .2500 64,301.73 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8675814 .2500 210,076.05 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 8676188 .2500 397,800.74 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8698514 .2500 108,225.63 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8705061 .2500 226,063.34 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8705115 .2500 190,502.78 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8705163 .2500 221,209.89 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 1 8705401 .2500 101,153.63 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8705935 .2500 86,587.40 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8706125 .2500 123,086.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8706223 .2500 124,069.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8706455 .2500 332,077.85 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8706457 .2500 108,071.83 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8706623 .2500 451,135.24 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 8706655 .2500 128,528.09 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 1 8733184 .2500 606,292.22 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8733520 .2500 589,963.57 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8740618 .2500 129,163.64 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8742530 .2500 344,053.98 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8742532 .2500 287,175.92 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8745332 .2500 497,994.02 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8751286 .2500 107,862.15 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8756042 .2500 56,844.21 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 1 8756050 .2500 87,638.44 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8756058 .2500 86,816.16 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8756062 .2500 130,875.47 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 8756074 .2500 90,062.41 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8756086 .2500 89,766.22 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8756108 .2500 31,891.52 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8756254 .2500 84,568.59 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8756304 .2500 87,742.09 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 1 8756312 .2500 93,606.45 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8756388 .2500 98,703.31 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 5.7500 1.4200 8756394 .2500 108,583.03 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8756404 .2500 105,613.55 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8756408 .2500 107,698.21 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8756426 .2500 98,689.30 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8756432 .2500 83,662.96 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8756434 .2500 118,072.45 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 1 8756448 .2500 102,963.71 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8756480 .2500 92,154.56 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8756486 .2500 95,446.30 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8756590 .2500 108,592.91 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8756604 .2500 32,885.38 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8756654 .2500 99,598.76 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8756674 .2500 103,434.74 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8756680 .2500 85,533.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 1 8756686 .2500 84,206.50 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8756704 .2500 92,534.44 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8756714 .2500 54,113.29 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8756724 .2500 103,113.46 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8756782 .2500 102,909.24 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8756818 .2500 97,318.97 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8756848 .2500 21,249.52 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 5.7500 1.2950 8756898 .2500 87,671.35 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 1 8756904 .2500 91,380.53 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8756912 .2500 94,707.97 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8756916 .2500 176,532.31 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 5.7500 1.2950 8756930 .2500 103,602.18 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8757240 .2500 91,430.26 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8757256 .2500 89,742.47 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8757288 .2500 84,682.56 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8757312 .2500 100,752.22 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 1 8757320 .2500 88,418.55 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8757406 .2500 84,113.93 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8757412 .2500 89,372.87 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8757424 .2500 89,730.28 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 5.7500 1.4200 8757450 .2500 90,626.15 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8757452 .2500 97,606.82 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8757486 .2500 83,505.51 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8757514 .2500 34,840.04 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 1 8757532 .2500 88,370.86 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 5.7500 1.1700 8757632 .2500 114,451.92 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8757642 .2500 107,066.47 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8757646 .2500 83,693.77 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8757666 .2500 100,409.28 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 5.7500 1.5450 8757742 .2500 103,330.38 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 5.7500 1.0450 8757748 .2500 108,611.48 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 5.7500 1.0450 8757854 .2500 94,129.78 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 1 8757858 .2500 97,244.20 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8757874 .2500 86,555.60 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8757916 .2500 113,742.68 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8757950 .2500 93,258.76 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8757962 .2500 94,055.84 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8757968 .2500 99,738.55 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8757986 .2500 104,607.86 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8758078 .2500 103,315.95 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 1 8758116 .2500 89,687.58 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 8758170 .2500 106,907.96 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8758284 .2500 97,767.48 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8758314 .2500 174,921.71 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8758404 .2500 129,670.47 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8758428 .2500 84,758.51 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 8758442 .2500 95,614.84 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8758626 .2500 90,946.58 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 1 8758644 .2500 99,485.19 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8758668 .2500 108,290.72 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8758734 .2500 117,609.69 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 8758768 .2500 24,892.53 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 5.7500 1.1700 8758918 .2500 33,302.13 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 8758950 .2500 88,461.64 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8759028 .2500 83,246.40 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8759052 .2500 89,630.23 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 1 8759066 .2500 98,651.12 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8759094 .2500 84,288.40 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8759124 .2500 87,313.38 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8759136 .2500 104,817.61 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8759228 .2500 83,857.72 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8759276 .2500 86,099.92 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8759328 .2500 104,943.06 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8759410 .2500 94,621.84 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 1 8759430 .2500 94,147.09 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8759448 .2500 83,715.25 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8759490 .2500 99,104.56 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8759524 .2500 97,382.89 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8759554 .2500 106,449.14 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8759560 .2500 95,415.64 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8759594 .2500 105,205.63 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8759606 .2500 93,829.03 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 1 8759762 .2500 83,758.06 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8759766 .2500 101,255.62 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8759784 .2500 85,188.31 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8759790 .2500 91,664.57 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8759804 .2500 97,806.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8759808 .2500 85,153.75 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8759832 .2500 103,720.48 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 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.0000 6.1700 .0000 5.7500 .4200 8998726 .2500 178,650.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8999106 .2500 186,000.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8999108 .2500 372,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8999124 .2500 109,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 1 8999188 .2500 128,000.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 8999330 .2500 400,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8999476 .2500 168,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8999552 .2500 50,000.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 5.7500 1.4200 8999568 .2500 360,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8999572 .2500 138,750.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8999720 .2500 44,800.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8999768 .2500 288,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 1 8999772 .2500 272,950.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8999844 .2500 207,200.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 8999896 .2500 400,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9000008 .2500 174,500.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 9000018 .2500 211,812.96 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 9000020 .2500 133,000.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 9000332 .2500 188,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 5.7500 1.2950 9000470 .2500 198,750.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 1 9000622 .2500 140,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 9001096 .2500 98,716.99 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 9001206 .2500 57,371.76 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 9001404 .2500 189,810.85 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9001434 .2500 263,767.07 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 9001476 .2500 327,696.20 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9001508 .2500 135,120.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 9001520 .2500 198,832.81 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 1 9001562 .2500 123,646.03 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 9001576 .2500 214,795.99 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9001616 .2500 452,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9001634 .2500 140,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 5.7500 1.2950 9001660 .2500 106,299.04 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9001678 .2500 108,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9001698 .2500 109,200.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9001702 .2500 101,500.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 1 9001706 .2500 260,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 5.7500 1.2950 9001770 .2500 74,800.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 5.7500 1.0450 9002062 .2500 172,800.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9002198 .2500 111,600.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 9002208 .2500 94,750.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9002308 .2500 89,600.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 9002492 .2500 382,400.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9002554 .2500 63,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 5.7500 1.2950 1 9002574 .2500 278,000.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 9002606 .2500 110,300.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 5.7500 1.4200 9002852 .2500 67,500.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 5.7500 1.1700 9002888 .2500 109,100.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 5.7500 1.0450 9003046 .2500 160,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 9003070 .2500 500,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 9003090 .2500 108,691.69 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9003258 .2500 153,000.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 1 9003570 .2500 391,087.87 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9003572 .2500 648,763.28 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9003578 .2500 194,687.18 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 5.7500 1.0450 9003580 .2500 233,278.13 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 5.7500 1.0450 9003582 .2500 260,414.71 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 9003584 .2500 115,798.43 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 9003592 .2500 563,923.73 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 9003598 .2500 448,621.47 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 1 9003604 .2500 299,715.35 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9003606 .2500 149,175.28 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9003608 .2500 109,643.87 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9003610 .2500 97,054.48 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9003612 .2500 509,119.33 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 9003618 .2500 545,294.82 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 9003622 .2500 428,017.88 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 9003624 .2500 598,441.49 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 1 9003626 .2500 525,676.08 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 5.7500 1.1700 9003628 .2500 349,779.99 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 9003886 .2500 101,200.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 9004290 .2500 67,950.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 9004304 .2500 200,000.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 5.7500 1.0450 9004546 .2500 208,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9005536 .2500 44,957.30 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9005586 .2500 382,400.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 1 9005820 .2500 128,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9005876 .2500 310,800.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 9005906 .2500 408,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9007086 .2500 74,250.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9009002 .2500 143,900.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 9009430 .2500 217,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9010250 .2500 86,800.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 5.7500 1.2950 9010294 .2500 80,800.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 5.7500 1.4200 1 9010654 .2500 110,300.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 5.7500 1.4200 9011198 .2500 232,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 9011908 .2500 296,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 9011972 .2500 94,500.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9012696 .2500 220,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 9014338 .2500 650,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9014370 .2500 258,750.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 9015936 .2500 191,000.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 1 9016296 .2500 367,500.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 9016988 .2500 220,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9018312 .2500 89,550.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 5.7500 1.2950 9020840 .2500 35,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 9021848 .2500 123,300.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 5.7500 1.1700 9026188 .2500 400,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 9028504 .2500 500,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 TOTAL NUMBER OF LOANS: 1893 TOTAL BALANCE........: 319,876,474.76 RUN ON : 01/22/04 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 07.18.52 INITIAL SECURITY FEES AMORTIZED BALANCE SERIES : RALI 2004-QS1 FIXED SUMMARY REPORT CUTOFF : 01/01/04 POOL : 0004788 : : POOL STATUS: F WEIGHTED AVERAGES FROM TO ---------------------------------------------------------------------------- CURR NOTE RATE 6.5007 4.7500 8.1250 RFC NET RATE 6.2507 4.5000 7.8750 NET MTG RATE(INVSTR RATE) 6.1786 4.4700 7.7950 POST STRIP RATE 5.7160 4.4700 5.7500 SUB SERV FEE .2500 .2500 .2500 MSTR SERV FEE .0721 .0300 .0800 ALL EXP .0000 .0000 .0000 MISC EXP .0000 .0000 .0000 SPREAD .0000 .0000 .0000 STRIP .4626 .0000 2.0450 TOTAL NUMBER OF LOANS: 1893 TOTAL BALANCE........: 319,876,474.76 *************************** * END OF REPORT * *************************** RUN ON : 01/22/04 RFC DISCLOSURE SYSTEM RFFSD177-01 AT : 07.18.52 FIXED RATE LOAN LISTING AMORTIZED BALANCE SERIES : RALI 2004-QS1 CUTOFF : 01/01/04 POOL : 0004788 : : 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 # ______________________________________________________________________________ 2803482 286/286 F 36,330.00 ZZ 360 34,472.71 2 8.125 269.75 65 7.875 269.75 WICHITA KS 67203 1 03/30/99 00 9502508 05 05/01/99 0 0009502508 N 04/01/29 0 8288917 286/286 F 139,000.00 ZZ 360 137,188.89 1 6.125 844.58 79 5.875 844.58 ALBUQUERQUE NM 87114 2 11/04/02 00 1694000 05 01/01/03 0 1694000 O 12/01/32 0 8393456 005/M32 F 133,000.00 ZZ 360 131,288.96 1 5.750 776.16 95 5.500 776.16 BESSEMER AL 35022 1 12/12/02 19 4007021083 05 02/01/03 35 4007021083 O 01/01/33 0 8413904 E22/G02 F 197,100.00 ZZ 360 195,738.30 1 6.125 1,197.60 67 5.875 1,197.60 ORLAND PARK IL 60467 1 05/30/03 00 0417232576 09 07/01/03 0 1 0417232576 O 06/01/33 0 8457549 286/286 F 148,450.00 ZZ 360 146,731.10 2 6.750 962.85 71 6.500 962.85 STOCKTON CA 95209 5 11/22/02 00 1763073 05 01/01/03 0 1763073 N 12/01/32 0 8457557 286/286 F 99,000.00 ZZ 360 97,983.75 2 7.375 683.77 90 7.125 683.77 RED BLUFF CA 96080 1 11/22/02 10 1729727 05 01/01/03 30 1729727 N 12/01/32 0 8523042 U05/G02 F 99,000.00 ZZ 360 98,558.42 3 6.625 633.91 90 6.375 633.91 EL CENTRO CA 92243 1 07/03/03 04 0437120348 05 09/01/03 25 3380520 N 08/01/33 0 8538298 H58/G02 F 190,000.00 ZZ 360 188,717.48 1 5.875 1,123.92 95 5.625 1,123.92 SANTA PAULA CA 93060 1 07/02/03 01 0436282305 05 09/01/03 35 172250 O 08/01/33 0 8538566 U35/G02 F 31,825.00 ZZ 360 31,676.04 1 6.375 198.55 95 6.125 198.55 KEWANEE IL 61443 1 07/31/03 44 0437191992 05 09/01/03 30 12490159 O 08/01/33 0 1 8562972 U05/G02 F 184,500.00 ZZ 360 183,615.53 1 6.250 1,136.00 90 6.000 1,136.00 DALLAS TX 75230 1 07/25/03 10 0437226350 05 09/01/03 30 3382114 N 08/01/33 0 8566086 286/286 F 149,000.00 ZZ 360 148,077.25 1 5.875 881.40 73 5.625 881.40 ELK RIVER MN 55330 2 06/27/03 00 2601836 05 08/01/03 0 2601836 O 07/01/33 0 8566224 286/286 F 120,000.00 ZZ 360 119,142.40 1 5.750 700.29 80 5.500 700.29 WILTON MANORS FL 33305 1 07/08/03 00 2589936 01 09/01/03 0 2589936 O 08/01/33 0 8566276 286/286 F 341,650.00 ZZ 360 340,050.88 1 6.375 2,131.46 75 6.125 2,131.46 ATLANTA GA 30315 2 07/02/03 00 2188483 05 09/01/03 0 2188483 N 08/01/33 0 8566490 286/286 F 72,000.00 ZZ 360 71,654.83 1 6.250 443.32 90 6.000 443.32 CHAMPAIGN IL 61820 1 07/02/03 14 2260357 05 09/01/03 25 2260357 N 08/01/33 0 8567236 286/286 F 90,000.00 ZZ 360 89,547.49 1 6.000 539.60 90 5.750 539.60 1 FAYETTEVILLE AR 72704 2 07/18/03 04 2440348 05 09/01/03 25 2440348 N 08/01/33 0 8567358 286/286 F 362,000.00 ZZ 360 359,758.24 1 5.875 2,141.37 88 5.625 2,141.37 MARTINEZ CA 94553 2 06/23/03 14 2542373 05 08/01/03 25 2542373 O 07/01/33 0 8604706 U05/G02 F 150,000.00 ZZ 360 149,466.22 1 6.625 960.47 75 6.375 960.47 ROYAL OAK MD 21662 2 08/15/03 00 0436438097 05 10/01/03 0 3399596 N 09/01/33 0 8607290 964/G01 F 292,500.00 ZZ 360 291,459.16 4 6.625 1,872.91 90 6.375 1,872.91 CHICAGO IL 60637 1 08/08/03 12 0436456214 05 10/01/03 25 463342 N 09/01/33 0 8649261 964/G02 F 221,700.00 ZZ 360 219,746.38 1 6.250 1,365.05 80 6.000 1,365.05 BEND OR 97701 1 02/21/03 00 0435878467 05 05/01/03 0 361535 O 04/01/33 0 8650295 U05/G02 F 101,250.00 ZZ 360 100,468.57 1 6.375 631.67 75 6.125 631.67 NORTH CANTON OH 44720 5 04/04/03 00 0435735022 05 06/01/03 0 3314297 O 05/01/33 0 1 8652296 U05/G02 F 168,000.00 TX 360 167,416.55 1 6.750 1,089.64 56 6.500 1,089.64 SUGAR LAND TX 77478 5 08/25/03 00 0437118953 03 10/01/03 0 3409489 O 09/01/33 0 8666882 U05/G02 F 176,000.00 TX 360 175,520.08 1 6.500 1,112.44 80 6.250 1,112.44 SAN ANTONIO TX 78216 5 09/02/03 00 0437081540 05 11/01/03 0 3399178 O 10/01/33 0 8674669 286/286 F 171,000.00 ZZ 360 169,662.19 3 7.375 1,181.06 90 7.125 1,181.06 CHICAGO IL 60632 1 02/18/03 14 2025024 05 04/01/03 25 2025024 N 03/01/33 0 8675610 286/286 F 64,500.00 ZZ 360 64,301.73 1 5.875 381.55 57 5.625 381.55 CINCINNATI OH 45209 2 09/04/03 00 2637989 05 11/01/03 0 2637989 N 10/01/33 0 8675814 286/286 F 211,000.00 ZZ 360 210,076.05 1 6.125 1,282.06 63 5.875 1,282.06 MACOMB MI 48044 2 08/26/03 00 2661107 05 10/01/03 0 2661107 O 09/01/33 0 8676188 286/286 F 400,000.00 ZZ 360 397,800.74 1 1 6.500 2,528.28 84 6.250 2,528.28 NAPERVILLE IL 60564 2 06/05/03 12 2381510 05 08/01/03 12 2381510 O 07/01/33 0 8698514 E86/G02 F 108,900.00 ZZ 360 108,225.63 2 5.875 644.18 90 5.625 644.18 WAUKEGAN IL 60085 2 06/18/03 04 0437019110 05 08/01/03 25 337563 O 07/01/33 0 8705061 736/M32 F 228,000.00 ZZ 360 226,063.34 1 5.750 1,330.55 74 5.500 1,330.55 ESCONDIDO CA 92029 2 04/09/03 00 260001177 05 06/01/03 0 0108096066 O 05/01/33 0 8705115 736/M32 F 192,000.00 ZZ 360 190,502.78 1 6.250 1,182.18 76 6.000 1,182.18 COPIAGUE NY 11726 2 04/04/03 00 260001250 05 06/01/03 0 0108131764 O 05/01/33 0 8705163 736/M32 F 223,150.00 ZZ 360 221,209.89 1 5.625 1,284.58 80 5.375 1,284.58 ELK GROVE CA 95758 2 04/08/03 00 260001318 03 06/01/03 0 0108166042 O 05/01/33 0 8705401 736/M32 F 102,000.00 ZZ 360 101,153.63 1 5.875 603.37 66 5.625 603.37 WILMINGTON NC 28411 2 04/04/03 00 260000972 05 06/01/03 0 1 0081612848 O 05/01/33 0 8705935 736/M32 F 87,200.00 ZZ 360 86,587.40 1 6.750 565.58 80 6.500 565.58 GREENACRES WA 99016 5 04/04/03 00 260000655 05 06/01/03 0 0080978174 O 05/01/33 0 8706125 736/M32 F 124,000.00 ZZ 360 123,086.00 1 6.500 783.77 80 6.250 783.77 LOS ANGELES CA 90002 5 04/03/03 00 260000788 05 06/01/03 0 0081498040 O 05/01/33 0 8706223 736/M32 F 125,000.00 ZZ 360 124,069.00 1 6.500 790.09 40 6.250 790.09 BAINBRIDGE ISLA WA 98110 5 04/09/03 00 260000868 05 06/01/03 0 0081545352 O 05/01/33 0 8706455 736/M32 F 335,000.00 ZZ 360 332,077.85 2 6.250 2,062.66 75 6.000 2,062.66 WOODSIDE NY 11377 2 03/27/03 00 260001104 05 05/01/03 0 0108030453 O 04/01/33 0 8706457 736/M32 F 109,000.00 ZZ 360 108,071.83 2 6.375 680.02 62 6.125 680.02 HOLLYWOOD FL 33020 2 03/26/03 00 260001107 05 05/01/03 0 0108038019 O 04/01/33 0 1 8706623 736/M32 F 455,000.00 ZZ 360 451,135.24 1 5.750 2,655.26 80 5.500 2,655.26 SANTA ROSA CA 95405 5 04/03/03 00 260001369 05 06/01/03 0 0108209602 O 05/01/33 0 8706655 736/M32 F 130,000.00 ZZ 360 128,528.09 1 6.500 821.69 80 6.250 821.69 BOTHELL WA 98011 1 04/09/03 00 260001002 01 06/01/03 0 0081651408 O 05/01/33 0 8733184 286/286 F 608,300.00 ZZ 348 606,292.22 1 5.875 3,644.13 72 5.625 3,644.13 COLUMBUS OH 43220 2 09/10/03 00 2666751 05 11/01/03 0 2666751 O 10/01/32 0 8733520 286/286 F 591,500.00 ZZ 360 589,963.57 1 6.750 3,836.46 70 6.500 3,836.46 KAILUA HI 96734 5 09/05/03 00 2767980 05 11/01/03 0 2767980 O 10/01/33 0 8740618 P30/G02 F 129,500.00 ZZ 360 129,163.64 1 6.750 839.93 70 6.500 839.93 FLETCHER NC 28732 5 09/26/03 00 0436714455 03 11/01/03 0 0328381 O 10/01/33 0 8742530 L49/G02 F 344,950.00 ZZ 360 344,053.98 1 6.750 2,237.34 78 6.500 2,237.34 1 OXNARD CA 93030 1 09/10/03 00 0436670822 05 11/01/03 0 10014251 O 10/01/33 0 8742532 L49/G02 F 288,000.00 ZZ 360 287,175.92 1 6.250 1,773.27 80 6.000 1,773.27 WEST PALM BEACH FL 33409 1 09/12/03 00 0436670889 03 11/01/03 0 10015059 O 10/01/33 0 8745332 168/168 F 500,000.00 ZZ 360 497,994.02 1 6.000 2,997.75 69 5.750 2,997.75 BROOKLYN NY 11214 1 08/19/03 00 3382880 05 10/01/03 0 0339828803 O 09/01/33 0 8751286 003/G02 F 108,150.00 ZZ 360 107,862.15 1 6.625 692.50 79 6.375 692.50 PEMBROKE PINES FL 33025 5 09/05/03 00 0436842249 09 11/01/03 0 0021263264 O 10/01/33 0 8756042 286/286 F 57,000.00 ZZ 360 56,844.21 1 6.500 360.28 75 6.250 360.28 AKRON OH 44314 5 09/08/03 00 2671560 05 11/01/03 0 2671560 O 10/01/33 0 8756050 286/286 F 88,000.00 ZZ 360 87,638.44 1 5.875 520.56 80 5.625 520.56 KNOXVILLE TN 37922 1 08/18/03 00 2562581 05 10/01/03 0 2562581 N 09/01/33 0 1 8756058 286/286 F 88,000.00 ZZ 360 86,816.16 1 5.875 520.56 80 5.625 520.56 KNOXVILLE TN 37923 1 08/01/03 00 2565369 05 09/01/03 0 2565369 N 08/01/33 0 8756062 286/286 F 131,200.00 ZZ 360 130,875.47 1 7.000 872.88 80 6.750 872.88 SHAKOPEE MN 55379 5 09/10/03 00 2749039 01 11/01/03 0 2749039 N 10/01/33 0 8756074 286/286 F 90,400.00 ZZ 360 90,062.41 1 6.375 563.98 80 6.125 563.98 SPOKANE WA 99205 2 08/06/03 00 2648002 05 10/01/03 0 2648002 N 09/01/33 0 8756086 286/286 F 90,000.00 ZZ 360 89,766.22 1 6.750 583.74 90 6.500 583.74 BOCA RATON FL 33431 1 09/05/03 10 2728406 05 11/01/03 25 2728406 N 10/01/33 0 8756108 286/286 F 32,000.00 ZZ 360 31,891.52 1 6.875 210.22 80 6.625 210.22 EL PASO TX 79935 1 08/28/03 00 2742605 05 10/01/03 0 2742605 N 09/01/33 0 8756254 286/286 F 85,000.00 ZZ 360 84,568.59 1 1 6.000 509.62 73 5.750 509.62 AKRON OH 44319 1 07/29/03 00 2621915 05 09/01/03 0 2621915 N 08/01/33 0 8756304 286/286 F 88,000.00 ZZ 360 87,742.09 1 6.125 534.70 80 5.875 534.70 WINCHESTER KY 40391 5 09/09/03 00 2695601 05 11/01/03 0 2695601 N 10/01/33 0 8756312 286/286 F 94,400.00 ZZ 360 93,606.45 1 5.875 558.42 80 5.625 558.42 MARIETTA GA 30082 5 07/21/03 00 2560784 05 09/01/03 0 2560784 N 08/01/33 0 8756388 286/286 F 99,000.00 ZZ 360 98,703.31 1 7.500 692.23 90 7.250 692.23 TEMPE AZ 85282 1 08/11/03 12 2698181 05 10/01/03 25 2698181 N 09/01/33 0 8756394 286/286 F 109,000.00 ZZ 360 108,583.03 1 6.250 671.14 46 6.000 671.14 VIRGINIA BEACH VA 23456 1 08/28/03 00 2684384 05 10/01/03 0 2684384 N 09/01/33 0 8756404 286/286 F 106,000.00 ZZ 360 105,613.55 1 6.500 670.00 37 6.250 670.00 OAKLAND CA 94605 2 08/21/03 00 2741722 05 10/01/03 0 1 2741722 N 09/01/33 0 8756408 286/286 F 108,000.00 ZZ 360 107,698.21 2 6.375 673.78 80 6.125 673.78 CINCINNATI OH 45212 5 09/04/03 00 2693813 05 11/01/03 0 2693813 N 10/01/33 0 8756426 286/286 F 99,200.00 ZZ 360 98,689.30 1 5.875 586.81 80 5.625 586.81 YORKTOWN VA 23693 1 07/08/03 00 2477124 05 09/01/03 0 2477124 N 08/01/33 0 8756432 286/286 F 84,000.00 ZZ 360 83,662.96 2 6.000 503.63 80 5.750 503.63 KANSAS CITY MO 64123 5 08/19/03 00 2690212 05 10/01/03 0 2690212 N 09/01/33 0 8756434 286/286 F 119,000.00 ZZ 360 118,072.45 1 6.250 732.71 50 6.000 732.71 DETROIT MI 48221 5 04/02/03 00 2155929 05 06/01/03 0 2155929 O 05/01/33 0 8756448 286/286 F 104,500.00 ZZ 360 102,963.71 1 6.250 643.43 77 6.000 643.43 TUMWATER WA 98512 2 04/14/03 00 2227559 05 06/01/03 0 2227559 N 05/01/33 0 1 8756480 286/286 F 92,500.00 ZZ 360 92,154.56 1 6.375 577.08 58 6.125 577.08 FLOURTOWN PA 19031 2 08/08/03 00 2646900 05 10/01/03 0 2646900 N 09/01/33 0 8756486 286/286 F 96,000.00 ZZ 360 95,446.30 1 6.250 591.09 76 6.000 591.09 PINEHURST NC 28374 1 06/13/03 00 2356511 05 08/01/03 0 2356511 N 07/01/33 0 8756590 286/286 F 109,900.00 ZZ 360 108,592.91 1 6.000 658.91 74 5.750 658.91 MANASSAS VA 20109 1 06/30/03 00 2565854 05 08/01/03 0 2565854 N 07/01/33 0 8756604 286/286 F 33,000.00 ZZ 360 32,885.38 1 6.750 214.04 69 6.500 214.04 MONTICELLO IN 47960 5 08/26/03 00 2535180 05 10/01/03 0 2535180 N 09/01/33 0 8756654 286/286 F 100,000.00 ZZ 360 99,598.76 1 6.000 599.56 74 5.750 599.56 GLENDALE AZ 85306 1 08/21/03 00 2738816 05 10/01/03 0 2738816 N 09/01/33 0 8756674 286/286 F 104,000.00 ZZ 360 103,434.74 2 5.875 615.20 80 5.625 615.20 1 AURORA IL 60505 2 08/07/03 00 2573446 05 10/01/03 0 2573446 N 09/01/33 0 8756680 286/286 F 86,000.00 ZZ 360 85,533.00 2 5.875 508.73 67 5.625 508.73 AURORA IL 60505 2 08/07/03 00 2573453 05 10/01/03 0 2573453 N 09/01/33 0 8756686 286/286 F 84,500.00 ZZ 360 84,206.50 1 6.750 548.07 90 6.500 548.07 GRAND HAVEN MI 49417 2 08/11/03 10 2151414 05 10/01/03 25 2151414 N 09/01/33 0 8756704 286/286 F 92,800.00 ZZ 360 92,534.44 1 6.250 571.39 80 6.000 571.39 KANSAS CITY MO 64118 2 09/08/03 00 2745359 05 11/01/03 0 2745359 N 10/01/33 0 8756714 286/286 F 54,374.00 ZZ 360 54,113.29 1 6.250 334.80 51 6.000 334.80 LOUISVILLE KY 40222 5 07/30/03 00 2323432 05 09/01/03 0 2323432 N 08/01/33 0 8756724 286/286 F 103,500.00 ZZ 360 103,113.46 1 6.375 645.71 80 6.125 645.71 ALBUQUERQUE NM 87120 2 08/18/03 00 2658957 05 10/01/03 0 2658957 N 09/01/33 0 1 8756782 286/286 F 103,295.00 ZZ 360 102,909.24 1 6.375 644.43 78 6.125 644.43 TUCSON AZ 85741 1 08/22/03 00 2697459 05 10/01/03 0 2697459 N 09/01/33 0 8756818 286/286 F 97,650.00 ZZ 360 97,318.97 1 6.875 641.50 90 6.625 641.50 ST CLOUD MN 56303 1 08/19/03 12 2680458 05 10/01/03 25 2680458 N 09/01/33 0 8756848 286/286 F 21,315.00 ZZ 360 21,249.52 1 7.375 147.22 90 7.125 147.22 MCKEESPORT PA 15132 1 09/04/03 04 2766395 05 10/01/03 25 2766395 N 09/01/33 0 8756898 286/286 F 88,000.00 ZZ 360 87,671.35 1 6.375 549.01 80 6.125 549.01 NEW BRAUNFELS TX 78130 1 08/13/03 00 2674268 05 10/01/03 0 2674268 N 09/01/33 0 8756904 286/286 F 91,800.00 ZZ 360 91,380.53 1 6.500 580.24 80 6.250 580.24 ROUND LAKE PARK IL 60073 1 07/28/03 00 2643008 05 09/01/03 0 2643008 N 08/01/33 0 8756912 286/286 F 95,000.00 ZZ 360 94,707.97 1 1 5.875 561.97 62 5.625 561.97 ARNOLD MD 21012 5 09/10/03 00 2577084 03 11/01/03 0 2577084 N 10/01/33 0 8756916 286/286 F 177,000.00 ZZ 360 176,532.31 1 7.375 1,222.50 79 7.125 1,222.50 NEPTUNE NJ 07753 5 09/17/03 00 2721861 05 11/01/03 0 2721861 O 10/01/33 0 8756930 286/286 F 104,000.00 ZZ 360 103,602.18 1 6.250 640.35 90 6.000 640.35 POWDER SPRINGS GA 30127 1 08/21/03 14 2693781 05 10/01/03 25 2693781 N 09/01/33 0 8757240 286/286 F 92,000.00 ZZ 360 91,430.26 2 5.875 544.22 80 5.625 544.22 HAGERSTOWN MD 21740 1 06/23/03 00 2496079 05 08/01/03 0 2496079 N 07/01/33 0 8757256 286/286 F 90,000.00 ZZ 360 89,742.47 1 6.250 554.15 68 6.000 554.15 GRAND RAPIDS MI 49506 1 09/11/03 00 2761241 05 11/01/03 0 2761241 N 10/01/33 0 8757288 286/286 F 85,000.00 ZZ 360 84,682.56 1 6.375 530.29 85 6.125 530.29 LYNNWOOD WA 98036 5 08/19/03 11 2648724 01 10/01/03 25 1 2648724 N 09/01/33 0 8757312 286/286 F 101,250.00 ZZ 360 100,752.22 1 6.750 656.71 90 6.500 656.71 NEWARK DE 19711 1 08/27/03 11 2708766 05 10/01/03 25 2708766 N 09/01/33 0 8757320 286/286 F 88,750.00 ZZ 360 88,418.55 2 6.375 553.69 71 6.125 553.69 JONESBORO GA 30236 5 08/28/03 00 2601834 05 10/01/03 0 2601834 N 09/01/33 0 8757406 286/286 F 84,400.00 ZZ 360 84,113.93 1 6.875 554.45 80 6.625 554.45 PLANO TX 75074 1 08/20/03 00 2733641 05 10/01/03 0 2733641 N 09/01/33 0 8757412 286/286 F 89,600.00 ZZ 360 89,372.87 1 6.875 588.61 80 6.625 588.61 DALLAS TX 75227 1 09/03/03 00 2752069 05 11/01/03 0 2752069 N 10/01/33 0 8757424 286/286 F 90,000.00 ZZ 360 89,730.28 1 7.500 629.30 90 7.250 629.30 DETROIT MI 48228 1 08/12/03 11 2630173 05 10/01/03 25 2630173 N 09/01/33 0 1 8757450 286/286 F 91,000.00 ZZ 360 90,626.15 1 5.875 538.30 75 5.625 538.30 PARMA OH 44129 2 08/13/03 00 2603604 05 10/01/03 0 2603604 N 09/01/33 0 8757452 286/286 F 98,000.00 ZZ 360 97,606.82 1 6.000 587.56 80 5.750 587.56 PARMA HEIGHTS OH 44130 2 08/13/03 00 2603694 05 10/01/03 0 2603694 N 09/01/33 0 8757486 286/286 F 83,850.00 ZZ 360 83,505.51 1 5.875 496.01 77 5.625 496.01 NOBLESVILLE IN 46060 2 08/06/03 00 2668474 05 09/01/03 0 2668474 N 08/01/33 0 8757514 286/286 F 35,000.00 ZZ 360 34,840.04 1 6.500 221.23 70 6.250 221.23 MEMPHIS TN 38108 5 07/31/03 00 2655381 05 09/01/03 0 2655381 N 08/01/33 0 8757532 286/286 F 88,650.00 ZZ 360 88,370.86 1 7.250 604.75 90 7.000 604.75 BRAWLEY CA 92227 1 08/22/03 12 2734145 05 10/01/03 25 2734145 N 09/01/33 0 8757632 286/286 F 114,750.00 ZZ 360 114,451.92 1 6.750 744.27 79 6.500 744.27 1 KISSIMMEE FL 34743 5 09/10/03 00 2626106 05 11/01/03 0 2626106 N 10/01/33 0 8757642 286/286 F 107,750.00 ZZ 360 107,066.47 1 5.875 637.39 72 5.625 637.39 LAS VEGAS NV 89131 2 06/23/03 00 2473452 05 08/01/03 0 2473452 N 07/01/33 0 8757646 286/286 F 84,000.00 ZZ 360 83,693.77 1 6.500 530.94 80 6.250 530.94 LEXINGTON KY 40515 5 08/08/03 00 2501912 05 10/01/03 0 2501912 N 09/01/33 0 8757666 286/286 F 100,700.00 ZZ 360 100,409.28 1 7.625 712.75 90 7.375 712.75 DILLSBURG PA 17019 1 09/19/03 11 2758012 05 11/01/03 25 2758012 O 10/01/33 0 8757742 286/286 F 103,700.00 ZZ 360 103,330.38 2 7.125 698.65 80 6.875 698.65 TRENTON NJ 08611 2 08/28/03 00 2368780 05 10/01/03 0 2368780 N 09/01/33 0 8757748 286/286 F 109,000.00 ZZ 360 108,611.48 2 7.125 734.36 78 6.875 734.36 TRENTON NJ 08611 2 08/29/03 00 2368781 05 10/01/03 0 2368781 N 09/01/33 0 1 8757854 286/286 F 94,500.00 ZZ 360 94,129.78 1 6.125 574.19 70 5.875 574.19 POWDER SPRINGS GA 30127 5 08/20/03 00 2686521 05 10/01/03 0 2686521 N 09/01/33 0 8757858 286/286 F 97,600.00 ZZ 360 97,244.20 1 6.500 616.90 80 6.250 616.90 PHOENIX AZ 85031 5 08/22/03 00 2764634 05 10/01/03 0 2764634 N 09/01/33 0 8757874 286/286 F 86,850.00 ZZ 360 86,555.60 1 6.875 570.55 90 6.625 570.55 ST CLOUD FL 34769 1 08/29/03 14 2441713 05 10/01/03 25 2441713 N 09/01/33 0 8757916 286/286 F 114,300.00 ZZ 360 113,742.68 1 6.500 722.46 90 6.250 722.46 CHESAPEAKE VA 23322 1 08/28/03 10 2645665 05 10/01/03 25 2645665 N 09/01/33 0 8757950 286/286 F 93,600.00 ZZ 360 93,258.76 1 6.500 591.62 80 6.250 591.62 CLAYTON NC 27520 2 08/14/03 00 2728341 05 10/01/03 0 2728341 N 09/01/33 0 8757962 286/286 F 94,400.00 ZZ 360 94,055.84 1 1 6.500 596.67 80 6.250 596.67 FOUR OAKS NC 27524 2 08/14/03 00 2728347 05 10/01/03 0 2728347 N 09/01/33 0 8757968 286/286 F 100,150.00 ZZ 360 99,738.55 1 5.875 592.43 80 5.625 592.43 LAMBRIDGE MN 55008 1 08/04/03 00 1988720 05 10/01/03 0 1988720 N 09/01/33 0 8757986 286/286 F 105,000.00 ZZ 360 104,607.86 4 6.375 655.07 56 6.125 655.07 CHARLESTON SC 29412 5 08/21/03 00 2724180 05 10/01/03 0 2724180 N 09/01/33 0 8758078 286/286 F 104,000.00 ZZ 360 103,315.95 1 6.375 648.83 38 6.125 648.83 ATLANTA GA 30305 5 08/12/03 00 2579915 05 10/01/03 0 2579915 N 09/01/33 0 8758116 286/286 F 89,910.00 ZZ 360 89,687.58 1 7.000 598.18 90 6.750 598.18 NORFOLK VA 23513 1 09/03/03 10 2732712 05 11/01/03 25 2732712 N 10/01/33 0 8758170 286/286 F 107,200.00 ZZ 360 106,907.96 1 6.750 695.30 80 6.500 695.30 ATLANTA GA 30310 1 09/09/03 00 2728950 05 11/01/03 0 1 2728950 N 10/01/33 0 8758284 286/286 F 98,100.00 ZZ 360 97,767.48 1 6.875 644.45 90 6.625 644.45 VIRGINIA BEACH VA 23454 1 08/25/03 12 2717683 05 10/01/03 25 2717683 N 09/01/33 0 8758314 286/286 F 175,400.00 ZZ 360 174,921.71 1 6.500 1,108.65 80 6.250 1,108.65 VICTORVILLE CA 92394 1 09/08/03 00 2694731 05 11/01/03 0 2694731 O 10/01/33 0 8758404 286/286 F 130,000.00 ZZ 360 129,670.47 1 6.875 854.01 78 6.625 854.01 CLEARFIELD UT 84015 5 09/15/03 00 2742546 05 11/01/03 0 2742546 O 10/01/33 0 8758428 286/286 F 85,050.00 ZZ 360 84,758.51 1 7.000 565.84 90 6.750 565.84 VIRGINIA BEACH VA 23462 1 08/12/03 21 2184960 03 10/01/03 25 2184960 N 09/01/33 0 8758442 286/286 F 96,000.00 ZZ 360 95,614.84 1 6.000 575.57 80 5.750 575.57 CAPITOL HEIGHTS MD 20743 2 08/25/03 00 2613144 05 10/01/03 0 2613144 N 09/01/33 0 1 8758626 286/286 F 91,500.00 ZZ 360 90,946.58 1 6.000 548.59 66 5.750 548.59 NORTH HUNTINGDO PA 15642 2 06/18/03 00 2220727 05 08/01/03 0 2220727 N 07/01/33 0 8758644 286/286 F 100,000.00 ZZ 360 99,485.19 1 5.875 591.54 44 5.625 591.54 RESTON VA 20190 1 07/29/03 00 2682188 01 09/01/03 0 2682188 N 08/01/33 0 8758668 286/286 F 108,800.00 ZZ 360 108,290.72 1 6.375 678.78 80 6.125 678.78 ASHEVILLE NC 28803 2 07/29/03 00 2487034 05 09/01/03 0 2487034 N 08/01/33 0 8758734 286/286 F 118,000.00 ZZ 360 117,609.69 2 7.000 785.06 80 6.750 785.06 LANSING MI 48917 1 08/28/03 00 2707889 05 10/01/03 0 2707889 N 09/01/33 0 8758768 286/286 F 25,000.00 ZZ 360 24,892.53 1 7.250 170.55 26 7.000 170.55 ALBUQUERQUE NM 87102 5 07/30/03 00 2638954 05 09/01/03 0 2638954 N 08/01/33 0 8758918 286/286 F 33,500.00 ZZ 360 33,302.13 1 6.125 203.55 75 5.875 203.55 1 CARBONDALE IL 62901 2 06/17/03 00 2422787 05 08/01/03 0 2422787 N 07/01/33 0 8758950 286/286 F 89,000.00 ZZ 360 88,461.64 1 6.000 533.61 75 5.750 533.61 GWYWN OAK MD 21207 2 06/20/03 00 2416652 05 08/01/03 0 2416652 N 07/01/33 0 8759028 286/286 F 84,000.00 ZZ 360 83,246.40 1 6.500 530.94 61 6.250 530.94 SAINT PAUL MN 55107 5 03/26/03 00 2107919 05 05/01/03 0 2107919 O 04/01/33 0 8759052 286/286 F 90,000.00 ZZ 360 89,630.23 1 5.875 532.39 63 5.625 532.39 MARIETTA GA 30066 5 08/28/03 00 2618140 05 10/01/03 0 2618140 N 09/01/33 0 8759066 286/286 F 99,375.00 ZZ 360 98,651.12 4 6.000 595.81 70 5.750 595.81 PUEBLO CO 81003 2 08/04/03 00 2586033 05 10/01/03 0 2586033 N 09/01/33 0 8759094 286/286 F 84,600.00 ZZ 360 84,288.40 1 6.625 541.71 90 6.375 541.71 ROGERS AR 72758 1 08/15/03 11 2681745 05 10/01/03 25 2681745 N 09/01/33 0 1 8759124 286/286 F 87,700.00 ZZ 360 87,313.38 4 5.875 518.78 44 5.625 518.78 AUSTIN TX 78704 2 08/04/03 00 2513355 05 09/01/03 0 2513355 N 08/01/33 0 8759136 286/286 F 105,250.00 ZZ 360 104,817.61 2 5.875 622.60 68 5.625 622.60 AUSTIN TX 78748 2 08/04/03 00 2513368 05 10/01/03 0 2513368 N 09/01/33 0 8759228 286/286 F 84,150.00 ZZ 360 83,857.72 1 6.750 545.80 90 6.500 545.80 CEDAR HILL TX 75104 1 08/27/03 12 2758271 05 10/01/03 25 2758271 N 09/01/33 0 8759276 286/286 F 86,400.00 ZZ 360 86,099.92 2 6.750 560.39 80 6.500 560.39 COLUMBUS IN 47203 2 08/14/03 00 2576361 05 10/01/03 0 2576361 N 09/01/33 0 8759328 286/286 F 105,300.00 ZZ 360 104,943.06 1 6.875 691.75 90 6.625 691.75 NORMAL IL 61761 1 08/29/03 04 2692295 05 10/01/03 25 2692295 N 09/01/33 0 8759410 286/286 F 95,100.00 ZZ 360 94,621.84 1 1 6.000 570.18 80 5.750 570.18 PHOENIX AZ 85041 1 07/22/03 00 2607838 05 09/01/03 0 2607838 N 08/01/33 0 8759430 286/286 F 94,500.00 ZZ 360 94,147.09 1 6.375 589.56 86 6.125 589.56 FREDERICK MD 21702 1 08/14/03 11 2667904 03 10/01/03 25 2667904 N 09/01/33 0 8759448 286/286 F 84,000.00 ZZ 360 83,715.25 3 6.875 551.83 65 6.625 551.83 PANAMA CITY FL 32405 5 08/28/03 00 2736054 05 10/01/03 0 2736054 N 09/01/33 0 8759490 286/286 F 99,450.00 ZZ 360 99,104.56 1 6.750 645.04 90 6.500 645.04 WINTHROP HARBOR IL 60096 1 08/18/03 12 2683610 05 10/01/03 25 2683610 N 09/01/33 0 8759524 286/286 F 97,875.00 ZZ 360 97,382.89 1 6.000 586.82 75 5.750 586.82 CHARLOTTESVILLE VA 22901 2 08/01/03 00 2694263 05 09/01/03 0 2694263 N 08/01/33 0 8759554 286/286 F 107,000.00 ZZ 360 106,449.14 1 5.875 632.95 74 5.625 632.95 DEARBORN MI 48126 2 07/23/03 00 2556024 05 09/01/03 0 1 2556024 N 08/01/33 0 8759560 286/286 F 95,800.00 ZZ 360 95,415.64 1 6.000 574.37 70 5.750 574.37 ANNAPOLIS MD 21401 2 08/27/03 00 2683972 03 10/01/03 0 2683972 N 09/01/33 0 8759594 286/286 F 105,600.00 ZZ 360 105,205.63 1 6.375 658.81 80 6.125 658.81 TUCSON AZ 85711 1 08/20/03 00 2688394 05 10/01/03 0 2688394 N 09/01/33 0 8759606 286/286 F 94,400.00 ZZ 360 93,829.03 1 6.000 565.98 80 5.750 565.98 SANTA TERESA NM 88008 2 06/06/03 00 2702051 05 08/01/03 0 2702051 N 07/01/33 0 8759762 286/286 F 84,050.00 ZZ 360 83,758.06 1 6.750 545.15 80 6.500 545.15 EUGENE OR 97404 1 08/06/03 00 2722582 05 10/01/03 0 2722582 N 09/01/33 0 8759766 286/286 F 101,600.00 ZZ 360 101,255.62 1 6.875 667.44 80 6.625 667.44 JOLIET IL 60433 5 09/08/03 00 2724365 05 11/01/03 0 2724365 N 10/01/33 0 1 8759784 286/286 F 85,500.00 ZZ 360 85,188.31 4 6.500 540.42 62 6.250 540.42 KANSAS CITY MO 64111 2 09/02/03 00 2766105 05 10/01/03 0 2766105 N 09/01/33 0 8759790 286/286 F 92,000.00 ZZ 360 91,664.57 4 6.500 581.51 67 6.250 581.51 KANSAS CITY MO 64110 2 09/02/03 00 2766106 05 10/01/03 0 2766106 N 09/01/33 0 8759804 286/286 F 98,200.00 ZZ 360 97,806.00 2 6.000 588.76 80 5.750 588.76 AUSTIN TX 78753 1 08/05/03 00 2605454 05 10/01/03 0 2605454 N 09/01/33 0 8759808 286/286 F 85,500.00 ZZ 360 85,153.75 2 6.375 533.41 43 6.125 533.41 MIRAMAR FL 33023 2 08/29/03 00 2745197 05 10/01/03 0 2745197 N 09/01/33 0 8759832 286/286 F 104,100.00 ZZ 360 103,720.48 1 6.500 657.99 80 6.250 657.99 PRAIRIE VILLAGE KS 66208 1 08/28/03 00 2703821 05 10/01/03 0 2703821 N 09/01/33 0 8759846 286/286 F 109,600.00 ZZ 360 109,200.44 1 6.500 692.75 80 6.250 692.75 1 LOUISVILLE KY 40220 2 09/02/03 00 2614799 05 10/01/03 0 2614799 N 09/01/33 0 8759850 286/286 F 104,000.00 ZZ 360 103,602.18 1 6.250 640.35 80 6.000 640.35 LOUISVILLE KY 40214 2 08/25/03 00 2614930 05 10/01/03 0 2614930 N 09/01/33 0 8759890 286/286 F 92,700.00 ZZ 360 92,222.77 1 5.875 548.36 80 5.625 548.36 INDIANAPOLIS IN 46254 2 08/05/03 00 2568291 05 09/01/03 0 2568291 N 08/01/33 0 8759924 286/286 F 88,200.00 ZZ 360 87,878.44 1 6.500 557.49 90 6.250 557.49 VIRGINIA BEACH VA 23456 1 08/14/03 11 2667749 05 10/01/03 25 2667749 N 09/01/33 0 8759970 286/286 F 96,400.00 ZZ 360 95,926.69 1 6.125 585.74 80 5.875 585.74 URBANDALE IA 50322 1 08/05/03 00 2567705 05 09/01/03 0 2567705 N 08/01/33 0 8759982 286/286 F 91,800.00 ZZ 360 91,282.99 1 6.375 572.72 90 6.125 572.72 SMYRNA GA 30082 1 06/27/03 14 2568320 05 08/01/03 25 2568320 N 07/01/33 0 1 8759994 286/286 F 31,500.00 ZZ 360 31,322.60 1 6.375 196.52 90 6.125 196.52 HAZELWOOD MO 63042 1 06/10/03 21 2459568 01 08/01/03 25 2459568 N 07/01/33 0 8760004 286/286 F 112,800.00 ZZ 360 112,378.74 1 6.375 703.73 80 6.125 703.73 ST JOSEPH MO 64505 2 08/15/03 00 2692972 05 10/01/03 0 2692972 N 09/01/33 0 8760008 286/286 F 101,250.00 ZZ 360 100,830.15 1 7.000 673.62 90 6.750 673.62 ARVADA CO 80003 1 08/04/03 21 2717014 03 09/01/03 25 2717014 N 08/01/33 0 8760012 286/286 F 101,250.00 ZZ 360 100,830.15 1 7.000 673.62 90 6.750 673.62 ARVADA CO 80003 1 08/04/03 21 2717022 05 09/01/03 25 2717022 N 08/01/33 0 8760018 286/286 F 101,250.00 ZZ 360 100,830.15 1 7.000 673.62 90 6.750 673.62 ARVADA CO 80003 1 08/04/03 21 2717029 03 09/01/03 25 2717029 N 08/01/33 0 8760022 286/286 F 88,900.00 ZZ 360 88,559.92 1 1 6.250 547.38 70 6.000 547.38 SCHAUMBURG IL 60173 1 08/18/03 00 2678675 01 10/01/03 0 2678675 N 09/01/33 0 8760026 286/286 F 88,650.00 ZZ 360 88,047.78 1 6.875 582.37 90 6.625 582.37 NAPOLEON MO 64074 1 09/02/03 14 2770623 05 10/01/03 25 2770623 N 09/01/33 0 8760044 286/286 F 86,750.00 ZZ 360 86,433.74 1 6.500 548.32 80 6.250 548.32 UPPER MARBORO MD 20770 2 08/14/03 00 2592021 01 10/01/03 0 2592021 N 09/01/33 0 8760132 286/286 F 107,600.00 ZZ 360 107,168.30 2 6.000 645.12 80 5.750 645.12 BRADLEY IL 60915 1 08/07/03 00 2636289 05 10/01/03 0 2636289 N 09/01/33 0 8760164 286/286 F 108,000.00 ZZ 360 107,720.02 1 7.500 755.16 80 7.250 755.16 SILVER SPRING MD 20902 1 09/04/03 00 2774515 01 11/01/03 0 2774515 N 10/01/33 0 8760168 286/286 F 102,400.00 ZZ 360 101,759.54 1 5.875 605.74 80 5.625 605.74 RALEIGH NC 27608 1 08/01/03 00 2626482 05 09/01/03 0 1 2626482 N 08/01/33 0 8760180 286/286 F 100,800.00 ZZ 360 100,432.51 2 6.500 637.13 90 6.250 637.13 CLEVELAND OH 44105 1 08/07/03 10 2667396 05 10/01/03 25 2667396 N 09/01/33 0 8760184 286/286 F 36,000.00 ZZ 360 35,831.51 1 6.375 224.60 90 6.125 224.60 MIDLOTHIAN TX 76065 1 07/24/03 19 2532334 05 09/01/03 25 2532334 N 08/01/33 0 8760196 286/286 F 84,000.00 ZZ 360 83,636.74 1 6.750 544.83 80 6.500 544.83 SUMMERFIELD NC 27358 1 08/26/03 00 2722540 05 10/01/03 0 2722540 N 09/01/33 0 8760200 286/286 F 85,600.00 ZZ 360 85,189.61 1 6.250 527.06 80 6.000 527.06 ROSEVILLE MI 48066 1 07/17/03 00 2564541 05 09/01/03 0 2564541 N 08/01/33 0 8760228 286/286 F 21,600.00 ZZ 360 21,445.23 1 7.250 147.36 90 7.000 147.36 DEL CITY OK 73115 1 08/01/03 04 2703057 05 09/01/03 30 2703057 N 08/01/33 0 1 8760270 286/286 F 100,000.00 ZZ 360 99,733.83 1 6.625 640.32 80 6.375 640.32 VIRGINIA BEACH VA 23462 1 09/05/03 00 1425553 03 11/01/03 0 1425553 N 10/01/33 0 8760282 286/286 F 103,050.00 ZZ 360 102,674.32 1 6.500 651.35 90 6.250 651.35 APPLE VALLEY CA 92308 1 08/14/03 11 2679345 05 10/01/03 25 2679345 N 09/01/33 0 8760348 286/286 F 100,000.00 ZZ 360 99,485.19 1 5.875 591.54 80 5.625 591.54 BOISE ID 83714 2 07/30/03 00 2352087 03 09/01/03 0 2352087 N 08/01/33 0 8760368 286/286 F 188,500.00 ZZ 360 187,515.60 2 5.875 1,115.05 70 5.625 1,115.05 STOCKTON CA 95207 1 07/25/03 00 2662928 05 09/01/03 0 2662928 N 08/01/33 0 8760392 286/286 F 88,000.00 ZZ 360 87,597.91 1 6.500 556.22 49 6.250 556.22 BALDWIN PARK CA 91706 5 07/16/03 00 2596970 05 09/01/03 0 2596970 N 08/01/33 0 8760414 286/286 F 21,600.00 ZZ 360 21,514.68 1 7.250 147.36 90 7.000 147.36 1 PHILADELPHIA PA 19134 1 07/31/03 11 2546371 05 09/01/03 25 2546371 N 08/01/33 0 8760418 286/286 F 98,000.00 ZZ 360 97,667.79 2 6.875 643.80 66 6.625 643.80 ATLANTIC BEACH FL 32233 5 08/18/03 00 2692995 05 10/01/03 0 2692995 N 09/01/33 0 8760444 286/286 F 104,150.00 ZZ 360 103,751.62 1 6.250 641.27 69 6.000 641.27 OAK HARBOR WA 98277 2 08/07/03 00 2320600 05 10/01/03 0 2320600 N 09/01/33 0 8760450 286/286 F 106,150.00 ZZ 360 105,759.97 1 6.500 670.95 74 6.250 670.95 AUSTIN TX 78728 2 08/20/03 00 2657684 05 10/01/03 0 2657684 N 09/01/33 0 8760472 286/286 F 107,000.00 ZZ 360 106,448.17 1 5.875 632.95 65 5.625 632.95 LANDOVER MD 20785 2 07/28/03 00 2655569 05 09/01/03 0 2655569 N 08/01/33 0 8760478 286/286 F 100,000.00 ZZ 360 99,520.59 1 6.250 615.72 48 6.000 615.72 WASHINGTON DC 20005 5 07/14/03 00 2443148 01 09/01/03 0 2443148 N 08/01/33 0 1 8760480 286/286 F 210,600.00 ZZ 360 209,734.71 1 5.875 1,245.78 55 5.625 1,245.78 SANTA CRUZ CA 95060 2 08/01/03 00 2526924 05 10/01/03 0 2526924 N 09/01/33 0 8760482 286/286 F 102,000.00 ZZ 360 101,654.26 1 6.875 670.07 64 6.625 670.07 CARSON CITY NV 89701 2 08/21/03 00 2726533 05 10/01/03 0 2726533 N 09/01/33 0 8760494 286/286 F 275,000.00 ZZ 360 273,896.52 1 6.000 1,648.77 55 5.750 1,648.77 PEBBLE BEACH CA 93953 1 08/06/03 00 2689372 01 10/01/03 0 2689372 N 09/01/33 0 8760512 286/286 F 25,900.00 ZZ 360 25,810.04 1 6.750 167.99 70 6.500 167.99 GARY IN 46404 5 08/01/03 00 2474096 05 10/01/03 0 2474096 N 09/01/33 0 8760514 286/286 F 32,200.00 ZZ 360 32,059.81 1 6.750 208.85 70 6.500 208.85 GARY IN 46408 5 08/01/03 00 2474110 05 09/01/03 0 2474110 N 08/01/33 0 8760522 286/286 F 84,400.00 ZZ 360 84,061.35 1 1 6.000 506.03 80 5.750 506.03 ST HELENS OR 97051 1 08/22/03 00 2671513 05 10/01/03 0 2671513 N 09/01/33 0 8760554 286/286 F 87,600.00 ZZ 360 87,316.74 1 7.125 590.18 77 6.875 590.18 INDIANAPOLIS IN 46226 2 08/08/03 00 2681814 05 10/01/03 0 2681814 N 09/01/33 0 8760568 286/286 F 249,000.00 ZZ 360 248,000.97 2 6.000 1,492.89 52 5.750 1,492.89 SALINAS CA 93901 5 08/18/03 00 2694947 05 10/01/03 0 2694947 N 09/01/33 0 8760584 286/286 F 104,100.00 ZZ 360 103,836.11 1 6.875 683.87 75 6.625 683.87 GARDEN VALLEY ID 83622 1 09/08/03 00 2491144 05 11/01/03 0 2491144 N 10/01/33 0 8760590 286/286 F 34,000.00 ZZ 360 33,881.89 1 6.750 220.53 76 6.500 220.53 FORT WAYNE IN 46806 5 08/07/03 00 2653681 05 10/01/03 0 2653681 N 09/01/33 0 8760606 286/286 F 108,000.00 ZZ 360 107,642.76 1 7.000 718.53 90 6.750 718.53 WEST JORDAN UT 84084 1 08/08/03 12 2377477 05 10/01/03 25 1 2377477 N 09/01/33 0 8760608 286/286 F 109,900.00 ZZ 360 109,499.32 3 6.500 694.65 70 6.250 694.65 COEUR D ALENE ID 83814 2 08/20/03 00 2706163 05 10/01/03 0 2706163 N 09/01/33 0 8760610 286/286 F 270,000.00 ZZ 360 268,642.22 1 6.000 1,618.79 69 5.750 1,618.79 LOS ANGELES CA 90024 5 07/25/03 00 2489968 01 09/01/03 0 2489968 N 08/01/33 0 8760622 286/286 F 87,300.00 ZZ 360 87,025.12 1 7.250 595.54 90 7.000 595.54 PHOENIX AZ 85053 1 08/06/03 10 2723430 05 10/01/03 25 2723430 N 09/01/33 0 8760632 286/286 F 247,500.00 ZZ 360 246,483.19 1 5.875 1,464.06 75 5.625 1,464.06 SAN DIEGO CA 92105 5 08/13/03 00 2530236 05 10/01/03 0 2530236 N 09/01/33 0 8760648 286/286 F 87,200.00 ZZ 360 86,897.14 1 6.750 565.58 80 6.500 565.58 WEED CA 96094 1 09/02/03 00 2759545 05 10/01/03 0 2759545 N 09/01/33 0 1 8760682 286/286 F 103,900.00 ZZ 360 103,365.13 1 5.875 614.61 65 5.625 614.61 SPARKS NV 89434 5 07/31/03 00 2390745 05 09/01/03 0 2390745 N 08/01/33 0 8760696 286/286 F 85,600.00 ZZ 360 85,272.04 1 6.250 527.06 80 6.000 527.06 RENO NV 89503 1 08/18/03 00 2574675 01 10/01/03 0 2574675 N 09/01/33 0 8760722 286/286 F 98,000.00 ZZ 360 97,642.72 3 6.500 619.43 70 6.250 619.43 NORWICH CT 06360 5 08/07/03 00 2655290 05 10/01/03 0 2655290 N 09/01/33 0 8760754 286/286 F 104,400.00 ZZ 360 104,054.67 1 7.000 694.58 90 6.750 694.58 OLIVE BRANCH MS 38654 1 08/15/03 10 2711054 05 10/01/03 25 2711054 N 09/01/33 0 8760760 286/286 F 250,000.00 ZZ 360 248,972.93 4 5.875 1,478.85 45 5.625 1,478.85 IMPERIAL BEACH CA 91932 5 08/12/03 00 2635746 05 10/01/03 0 2635746 N 09/01/33 0 8760780 286/286 F 89,910.00 ZZ 360 89,698.30 1 7.250 613.35 90 7.000 613.35 1 CHICAGO IL 60628 1 09/11/03 11 2756646 05 11/01/03 25 2756646 N 10/01/33 0 8760784 286/286 F 92,000.00 ZZ 360 91,664.49 1 6.500 581.51 41 6.250 581.51 RICHMOND CA 94804 5 08/18/03 00 2715615 01 10/01/03 0 2715615 N 09/01/33 0 8760796 286/286 F 413,100.00 ZZ 360 411,733.62 2 7.000 2,748.37 71 6.750 2,748.37 SAN DIEGO CA 92109 1 08/06/03 00 2702597 05 10/01/03 0 2702597 N 09/01/33 0 8760810 286/286 F 98,550.00 ZZ 360 98,207.70 1 6.750 639.20 90 6.500 639.20 VICTORVILLE CA 92394 1 07/28/03 11 2643479 05 10/01/03 25 2643479 N 09/01/33 0 8760828 286/286 F 96,300.00 ZZ 360 95,499.92 1 5.875 569.66 77 5.625 569.66 WEED CA 96094 2 08/05/03 00 2587300 05 10/01/03 0 2587300 N 09/01/33 0 8760862 286/286 F 96,000.00 ZZ 360 95,145.91 1 5.875 567.88 74 5.625 567.88 HIGHLAND CA 92346 5 08/20/03 00 2667289 05 10/01/03 0 2667289 N 09/01/33 0 1 8760886 286/286 F 105,750.00 TX 360 105,345.46 1 6.250 651.13 75 6.000 651.13 PILOT POINT TX 76258 5 08/07/03 00 2589450 05 10/01/03 0 2589450 N 09/01/33 0 8760968 286/286 F 96,000.00 ZZ 360 95,650.01 1 6.500 606.79 80 6.250 606.79 NEWARK DE 19713 1 08/07/03 00 2715296 05 10/01/03 0 2715296 N 09/01/33 0 8761152 286/286 F 100,000.00 ZZ 360 99,692.80 1 7.375 690.68 80 7.125 690.68 LOCKPORT IL 60441 1 08/28/03 00 2731156 05 10/01/03 0 2731156 N 09/01/33 0 8761164 286/286 F 102,400.00 TX 360 101,952.23 1 5.875 605.74 80 5.625 605.74 FORT WORTH TX 76108 5 07/18/03 00 2614002 05 10/01/03 0 2614002 N 09/01/33 0 8761172 286/286 F 103,500.00 ZZ 360 103,049.41 1 6.750 671.30 90 6.500 671.30 APPLE VALLEY CA 92308 1 07/21/03 11 2612060 05 09/01/03 25 2612060 N 08/01/33 0 8761174 286/286 F 103,400.00 ZZ 360 103,040.84 1 1 6.750 670.66 90 6.500 670.66 VICTORVILLE CA 92394 1 07/30/03 11 2612604 05 10/01/03 25 2612604 N 09/01/33 0 8761176 286/286 F 97,500.00 ZZ 360 97,177.50 1 7.000 648.67 90 6.750 648.67 APPLE VALLEY CA 92307 1 08/08/03 14 2698543 05 10/01/03 25 2698543 N 09/01/33 0 8761186 286/286 F 100,000.00 ZZ 360 99,617.31 1 6.250 615.72 38 6.000 615.72 WEED CA 96094 5 08/20/03 00 2620928 05 10/01/03 0 2620928 N 09/01/33 0 8761188 286/286 F 108,750.00 ZZ 360 108,353.28 1 6.500 687.38 75 6.250 687.38 MAPLE GROVE MN 55369 2 08/28/03 00 2763405 05 10/01/03 0 2763405 N 09/01/33 0 8761212 286/286 F 109,200.00 ZZ 360 108,676.31 2 6.250 672.37 80 6.000 672.37 COTTONWOOD CA 96022 1 07/28/03 00 2690207 05 09/01/03 0 2690207 N 08/01/33 0 8761218 286/286 F 96,000.00 ZZ 360 95,632.63 1 6.250 591.09 80 6.000 591.09 ANDERSON CA 96007 1 08/15/03 00 2733172 05 10/01/03 0 1 2733172 N 09/01/33 0 8761222 286/286 F 94,500.00 ZZ 360 94,120.85 1 6.000 566.58 70 5.750 566.58 TALLAHASSEE FL 32309 1 08/01/03 00 2710256 05 10/01/03 0 2710256 N 09/01/33 0 8761226 286/286 F 88,000.00 ZZ 360 87,693.73 1 6.750 570.77 80 6.500 570.77 TACOMA WA 98444 1 08/27/03 00 2695629 05 10/01/03 0 2695629 N 09/01/33 0 8761228 286/286 F 93,000.00 ZZ 360 92,488.04 4 6.750 603.20 52 6.500 603.20 GRIDLEY CA 95948 5 09/05/03 00 2628372 05 10/01/03 0 2628372 N 09/01/33 0 8761262 286/286 F 89,700.00 ZZ 360 89,331.50 1 5.875 530.61 65 5.625 530.61 PELHAM MA 01002 5 08/22/03 00 2406839 05 10/01/03 0 2406839 N 09/01/33 0 8761268 286/286 F 117,900.00 ZZ 360 117,334.75 1 6.250 725.94 90 6.000 725.94 ATLANTA GA 30315 1 07/25/03 10 2666049 05 09/01/03 25 2666049 N 08/01/33 0 1 8761280 286/286 F 86,400.00 ZZ 360 86,077.32 1 6.375 539.03 90 6.125 539.03 PHOENIX AZ 85033 1 08/06/03 21 2655347 05 10/01/03 25 2655347 N 09/01/33 0 8782656 H58/G02 F 108,800.00 ZZ 360 108,712.99 1 7.125 733.01 80 6.875 733.01 PORTLAND OR 97266 1 11/14/03 00 0437057482 05 01/01/04 0 1 N 12/01/33 0 8794222 Q73/G02 F 85,500.00 ZZ 360 85,345.00 1 6.500 540.42 51 6.250 540.42 SHREVEPORT LA 71115 2 10/20/03 00 0437127525 03 12/01/03 0 3130032 O 11/01/33 0 8801654 N47/G02 F 100,000.00 ZZ 360 99,823.06 1 6.625 640.31 43 6.375 640.31 SAN DIEGO CA 92113 5 10/17/03 00 0437074826 05 12/01/03 0 30509001 O 11/01/33 0 8811450 E22/G02 F 96,000.00 TX 360 95,825.95 1 6.500 606.79 80 6.250 606.79 LEANDER TX 78641 5 10/22/03 00 0418596912 03 12/01/03 0 0418596912 O 11/01/33 0 8811900 W53/G02 F 48,230.00 TX 360 48,098.47 1 6.500 304.85 63 6.250 304.85 1 DALLAS TX 75216 5 09/16/03 00 0437012701 05 11/01/03 0 1501105128 O 10/01/33 0 8812330 E77/G02 F 184,000.00 ZZ 360 183,682.27 1 6.750 1,193.42 80 6.500 1,193.42 UPPER MARLBORO MD 20772 1 10/24/03 00 0436851240 05 12/01/03 0 1010003710 O 11/01/33 0 8822050 313/G02 F 89,868.00 ZZ 360 89,506.22 1 6.750 582.89 71 6.500 582.89 CAPE CORAL FL 33993 1 10/24/03 00 0437068778 05 12/01/03 0 0009860586 O 11/01/33 0 8822328 N47/G02 F 242,000.00 ZZ 360 241,467.89 1 6.000 1,450.91 77 5.750 1,450.91 LOS ANGELES CA 91040 2 10/21/03 00 0437040579 05 12/01/03 0 30509912 O 11/01/33 0 8822606 E86/G02 F 207,600.00 ZZ 360 206,199.40 1 6.250 1,278.23 80 6.000 1,278.23 LAKE FOREST CA 92630 5 05/20/03 00 0437048192 09 07/01/03 0 1 O 06/01/33 0 8829492 E47/G02 F 64,000.00 ZZ 360 63,883.98 1 6.500 404.52 79 6.250 404.52 WEST PALM BEACH FL 33415 1 10/21/03 00 0437071616 09 12/01/03 0 7361015658 O 11/01/33 0 1 8829732 T09/G02 F 230,000.00 ZZ 360 229,551.78 1 6.125 1,397.50 78 5.875 1,397.50 RICHMOND CA 94801 5 10/17/03 00 0436890180 05 12/01/03 0 2003003062 O 11/01/33 0 8833534 286/286 F 85,500.00 ZZ 360 85,122.70 1 6.625 547.47 90 6.375 547.47 LARGO FL 33773 1 08/27/03 21 2766521 05 10/01/03 25 2766521 N 09/01/33 0 8833538 286/286 F 92,800.00 ZZ 360 92,581.51 1 7.250 633.06 80 7.000 633.06 PORTLAND OR 97217 1 09/16/03 00 2732527 05 11/01/03 0 2732527 N 10/01/33 0 8833548 286/286 F 108,000.00 ZZ 360 107,719.46 1 6.750 700.49 79 6.500 700.49 CHESTER CA 96020 1 09/29/03 00 2737826 05 11/01/03 0 2737826 N 10/01/33 0 8833578 286/286 F 119,000.00 ZZ 300 118,482.26 2 6.000 766.72 77 5.750 766.72 BEREA OH 44017 2 09/19/03 00 2804815 05 11/01/03 0 2804815 N 10/01/28 0 8833584 286/286 F 28,000.00 ZZ 360 27,911.83 1 1 7.250 191.01 80 7.000 191.01 PARIS TX 75460 1 08/21/03 00 2745869 05 10/01/03 0 2745869 N 09/01/33 0 8833590 286/286 F 110,000.00 ZZ 360 109,669.82 1 6.000 659.51 47 5.750 659.51 ANNAPOLIS MD 21401 5 09/25/03 00 2736078 05 11/01/03 0 2736078 N 10/01/33 0 8833604 286/286 F 96,300.00 ZZ 360 96,043.71 1 6.625 616.62 90 6.375 616.62 ALBUQUERQUE NM 87123 1 09/18/03 21 2800720 05 11/01/03 25 2800720 N 10/01/33 0 8833614 286/286 F 103,900.00 ZZ 360 103,616.68 1 6.500 656.72 80 6.250 656.72 ARLINGTON TX 76006 1 09/26/03 00 2776865 05 11/01/03 0 2776865 N 10/01/33 0 8833616 286/286 F 111,200.00 ZZ 360 110,431.71 1 6.125 675.67 80 5.875 675.67 TUALATIN OR 97062 1 05/05/03 00 2294074 03 07/01/03 0 2294074 N 06/01/33 0 8833620 286/286 F 118,500.00 ZZ 360 118,160.91 1 6.250 729.63 75 6.000 729.63 CORVALLIS OR 97333 1 09/09/03 00 2783450 05 11/01/03 0 1 2783450 N 10/01/33 0 8833622 286/286 F 103,200.00 ZZ 360 102,918.58 1 6.500 652.30 80 6.250 652.30 CARSON CITY NV 89701 1 09/08/03 00 2764262 05 11/01/03 0 2764262 N 10/01/33 0 8833634 286/286 F 90,000.00 ZZ 360 89,788.10 1 7.250 613.96 90 7.000 613.96 PHOENIX AZ 85032 1 09/30/03 10 2820452 05 11/01/03 25 2820452 N 10/01/33 0 8833638 286/286 F 92,250.00 ZZ 360 92,015.73 1 6.875 606.02 90 6.625 606.02 WINSTON SALEM NC 27104 1 09/30/03 11 2185313 03 11/01/03 25 2185313 N 10/01/33 0 8833656 286/286 F 112,000.00 ZZ 360 111,796.95 1 6.500 707.92 69 6.250 707.92 COLORADO SPRING CO 80918 5 10/06/03 00 2746650 05 12/01/03 0 2746650 N 11/01/33 0 8833658 286/286 F 112,000.00 ZZ 360 111,694.60 2 6.500 707.92 80 6.250 707.92 MIDDLETOWN CT 06457 1 09/30/03 00 2819853 05 11/01/03 0 2819853 N 10/01/33 0 1 8833670 286/286 F 113,000.00 ZZ 360 112,550.30 1 6.250 695.77 54 6.000 695.77 VALLEY SPRINGS CA 95252 2 08/25/03 00 2702297 05 10/01/03 0 2702297 N 09/01/33 0 8833688 286/286 F 109,000.00 ZZ 360 108,743.34 1 7.250 743.58 80 7.000 743.58 BROWNSTOWN TWP MI 48183 1 09/26/03 00 2833937 05 11/01/03 0 2833937 N 10/01/33 0 8833696 286/286 F 97,000.00 ZZ 360 96,748.02 1 6.750 629.15 53 6.500 629.15 MIAMI FL 33193 2 09/05/03 00 2702446 05 11/01/03 0 2702446 N 10/01/33 0 8833730 286/286 F 111,420.00 ZZ 360 111,116.16 1 6.500 704.26 90 6.250 704.26 FERNLEY NV 89408 1 09/29/03 14 2656132 05 11/01/03 25 2656132 N 10/01/33 0 8833742 286/286 F 88,200.00 ZZ 360 87,893.33 1 6.750 572.07 90 6.500 572.07 JACKSONVILLE FL 32210 1 08/18/03 14 2693045 05 10/01/03 25 2693045 N 09/01/33 0 8833748 286/286 F 98,051.00 ZZ 360 97,321.86 1 6.625 627.84 56 6.375 627.84 1 DOWNINGTOWN PA 19335 1 09/10/03 00 2763074 05 11/01/03 0 2763074 N 10/01/33 0 8833782 286/286 F 107,200.00 ZZ 360 106,928.26 1 6.875 704.23 80 6.625 704.23 AURORA IL 60506 1 09/26/03 00 2785596 05 11/01/03 0 2785596 N 10/01/33 0 8833784 286/286 F 108,000.00 ZZ 360 107,566.68 1 6.000 647.52 80 5.750 647.52 RICHMOND VA 23294 1 08/27/03 00 2651718 05 10/01/03 0 2651718 N 09/01/33 0 8833808 286/286 F 89,910.00 ZZ 360 89,698.30 1 7.250 613.35 90 7.000 613.35 CHICAGO IL 60628 1 09/11/03 11 2756660 05 11/01/03 25 2756660 N 10/01/33 0 8833810 286/286 F 104,000.00 ZZ 360 103,716.38 2 6.500 657.36 80 6.250 657.36 WESTFIELD MA 01085 5 09/19/03 00 2608953 05 11/01/03 0 2608953 N 10/01/33 0 8833822 286/286 F 90,300.00 TX 360 90,065.43 1 6.750 585.69 70 6.500 585.69 LEWISVILLE TX 75077 5 09/22/03 00 2666542 05 11/01/03 0 2666542 N 10/01/33 0 1 8833832 286/286 F 89,100.00 ZZ 360 88,819.44 1 7.250 607.82 90 7.000 607.82 INDIANAPOLIS IN 46224 1 08/29/03 10 2774665 05 10/01/03 25 2774665 N 09/01/33 0 8833838 286/286 F 115,950.00 ZZ 360 115,618.21 1 6.250 713.93 50 6.000 713.93 CHICO CA 95928 2 09/10/03 00 2671576 05 11/01/03 0 2671576 N 10/01/33 0 8833848 286/286 F 98,650.00 ZZ 360 98,353.90 1 6.000 591.46 72 5.750 591.46 ARNOLD MD 21012 2 09/15/03 00 2683029 01 11/01/03 0 2683029 N 10/01/33 0 8833852 286/286 F 100,000.00 ZZ 360 99,702.91 1 6.375 623.87 80 6.125 623.87 GRAND HAVEN MI 49417 1 09/10/03 00 2703656 01 11/01/03 0 2703656 N 10/01/33 0 8833860 286/286 F 98,000.00 ZZ 360 97,642.72 1 6.500 619.43 74 6.250 619.43 AURORA CO 80011 5 08/29/03 00 2709983 05 10/01/03 0 2709983 N 09/01/33 0 8833870 286/286 F 114,760.00 ZZ 360 114,423.64 2 1 6.125 697.30 80 5.875 697.30 COLORADO SPRING CO 80907 1 09/26/03 00 2808714 05 11/01/03 0 2808714 N 10/01/33 0 8833874 286/286 F 90,300.00 ZZ 360 89,937.69 1 6.000 541.40 70 5.750 541.40 TALLAHASSEE FL 32309 1 08/01/03 00 2710262 05 10/01/03 0 2710262 N 09/01/33 0 8833880 286/286 F 87,500.00 ZZ 360 87,148.94 1 6.000 524.61 70 5.750 524.61 TALLAHASSEE FL 32309 1 08/01/03 00 2710254 05 10/01/03 0 2710254 N 09/01/33 0 8833904 286/286 F 105,000.00 ZZ 360 104,727.27 2 6.750 681.03 70 6.500 681.03 RICHMOND VA 23222 5 09/24/03 00 2719202 05 11/01/03 0 2719202 N 10/01/33 0 8833906 286/286 F 103,920.00 ZZ 360 103,541.14 1 6.500 656.85 80 6.250 656.85 ROSWELL GA 30076 1 08/29/03 00 2717557 05 10/01/03 0 2717557 N 09/01/33 0 8833910 286/286 F 110,000.00 ZZ 360 109,727.90 2 7.000 731.84 79 6.750 731.84 CHICAGO IL 60624 5 09/17/03 00 2753831 05 11/01/03 0 1 2753831 N 10/01/33 0 8833912 286/286 F 99,900.00 ZZ 360 99,633.61 1 6.750 647.95 90 6.500 647.95 MONROE NC 28112 1 09/22/03 21 2742649 05 11/01/03 25 2742649 N 10/01/33 0 8833914 286/286 F 113,700.00 ZZ 360 113,350.53 1 5.875 672.58 73 5.625 672.58 PORTLAND OR 97206 2 09/08/03 00 2621448 05 11/01/03 0 2621448 N 10/01/33 0 8833928 286/286 F 92,700.00 ZZ 360 92,459.19 1 6.750 601.26 80 6.500 601.26 FERNLEY NV 89408 1 09/05/03 00 2183744 05 11/01/03 0 2183744 N 10/01/33 0 8833938 286/286 F 85,000.00 ZZ 360 84,398.69 1 6.000 509.62 67 5.750 509.62 TEMPE AZ 85281 1 05/13/03 00 1563311 05 07/01/03 0 1563311 N 06/01/33 0 8833946 286/286 F 97,450.00 ZZ 360 97,208.95 1 7.000 648.34 75 6.750 648.34 STOCKTON CA 95203 1 09/18/03 00 2803910 05 11/01/03 0 2803910 N 10/01/33 0 1 8833954 286/286 F 95,000.00 ZZ 360 94,747.15 1 6.625 608.30 74 6.375 608.30 CARSON CITY NV 89701 5 09/19/03 00 2777911 05 11/01/03 0 2777911 N 10/01/33 0 8833956 286/286 F 107,000.00 ZZ 360 106,609.89 1 6.500 676.32 62 6.250 676.32 PHOENIX AZ 85028 5 08/25/03 00 2584396 05 10/01/03 0 2584396 N 09/01/33 0 8833958 286/286 F 91,800.00 ZZ 360 91,549.68 2 6.500 580.24 90 6.250 580.24 SHREVEPORT LA 71104 1 09/29/03 11 2826875 05 11/01/03 25 2826875 N 10/01/33 0 8833982 286/286 F 89,622.00 ZZ 360 88,785.81 1 6.750 581.29 78 6.500 581.29 DAYTON NV 89403 1 09/09/03 00 2750774 05 11/01/03 0 2750774 N 10/01/33 0 8833986 286/286 F 104,000.00 ZZ 360 103,761.11 1 7.375 718.31 75 7.125 718.31 PRINCE FREDERIC MD 20678 5 09/24/03 00 2726070 05 11/01/03 0 2726070 N 10/01/33 0 8833988 286/286 F 115,500.00 TX 360 115,144.98 4 5.875 683.23 70 5.625 683.23 1 FORT WORTH TX 76110 5 09/19/03 00 2820520 05 11/01/03 0 2820520 N 10/01/33 0 8833992 286/286 F 93,600.00 ZZ 360 93,379.62 2 7.250 638.52 90 7.000 638.52 JOLIET IL 60435 1 09/18/03 04 2744556 05 11/01/03 25 2744556 N 10/01/33 0 8834026 286/286 F 88,000.00 ZZ 360 87,427.08 1 5.875 520.56 80 5.625 520.56 EXETER CA 93221 1 09/25/03 00 2390589 05 11/01/03 0 2390589 N 10/01/33 0 8834038 286/286 F 104,400.00 ZZ 360 104,128.81 1 6.750 677.14 90 6.500 677.14 PHOENIX AZ 85029 1 09/11/03 21 2777209 05 11/01/03 25 2777209 N 10/01/33 0 8834040 286/286 F 110,000.00 ZZ 360 109,692.72 1 6.375 686.26 74 6.125 686.26 GLENDALE AZ 85308 2 09/19/03 00 2816411 05 11/01/03 0 2816411 N 10/01/33 0 8834042 286/286 F 87,000.00 ZZ 360 86,762.77 1 6.500 549.90 42 6.250 549.90 SAN DIEGO CA 92115 5 09/12/03 00 1770838 01 11/01/03 0 1770838 N 10/01/33 0 1 8834048 286/286 F 96,000.00 ZZ 360 95,738.22 1 6.500 606.79 75 6.250 606.79 TUCSON AZ 85742 1 09/26/03 00 2789962 05 11/01/03 0 2789962 N 10/01/33 0 8834086 286/286 F 107,250.00 ZZ 360 106,766.56 2 6.250 660.36 76 6.000 660.36 ROANOKE VA 24012 1 09/15/03 00 2735252 05 11/01/03 0 2735252 N 10/01/33 0 8834090 286/286 F 100,000.00 ZZ 264 99,283.95 1 6.250 697.93 39 6.000 697.93 SAN DIEGO CA 92114 5 08/12/03 00 2620780 05 10/01/03 0 2620780 N 09/01/25 0 8834094 286/286 F 108,750.00 ZZ 360 108,446.21 1 6.375 678.46 58 6.125 678.46 CORPUS CHRISTI TX 78418 1 09/10/03 00 2740679 05 11/01/03 0 2740679 N 10/01/33 0 8834108 286/286 F 83,950.00 ZZ 360 83,715.49 1 6.375 523.74 80 6.125 523.74 SPOKANE WA 99205 5 09/23/03 00 2491125 05 11/01/03 0 2491125 N 10/01/33 0 8834110 286/286 F 108,000.00 ZZ 360 107,690.96 2 1 6.250 664.98 80 6.000 664.98 SPRINGFIELD OR 97477 1 09/22/03 00 2757723 05 11/01/03 0 2757723 N 10/01/33 0 8834112 286/286 F 96,300.00 ZZ 360 96,061.80 1 7.000 640.69 90 6.750 640.69 SAVANNAH GA 31419 1 09/09/03 12 1770971 05 11/01/03 25 1770971 N 10/01/33 0 8834120 286/286 F 97,000.00 ZZ 360 96,765.90 2 7.125 653.51 80 6.875 653.51 BLOOMINGTON IN 47403 1 09/15/03 00 2766489 05 11/01/03 0 2766489 N 10/01/33 0 8834134 286/286 F 102,000.00 ZZ 360 101,735.03 1 6.750 661.58 75 6.500 661.58 COLUMBIA MD 21045 1 09/10/03 00 2697331 03 11/01/03 0 2697331 N 10/01/33 0 8834140 286/286 F 98,950.00 ZZ 360 98,683.26 1 7.250 675.02 90 7.000 675.02 RICHMOND VA 23234 1 09/29/03 14 2785240 05 11/01/03 30 2785240 N 10/01/33 0 8834150 286/286 F 96,000.00 ZZ 360 95,722.39 1 6.250 591.09 80 6.000 591.09 NEW CUMBERLAND PA 17070 1 09/23/03 00 2146031 05 11/01/03 0 1 2146031 N 10/01/33 0 8834152 286/286 F 90,600.00 ZZ 360 90,381.96 1 7.250 618.06 80 7.000 618.06 HARPERS FERRY WV 25425 2 09/25/03 00 2744421 05 11/01/03 0 2744421 N 10/01/33 0 8834164 286/286 F 98,000.00 ZZ 360 97,769.24 1 7.250 668.54 80 7.000 668.54 AVONDALE AZ 85323 1 09/09/03 00 2790274 03 11/01/03 0 2790274 N 10/01/33 0 8834174 286/286 F 29,600.00 ZZ 360 29,533.67 1 7.500 206.97 80 7.250 206.97 DECATUR IL 62521 1 09/15/03 00 2755506 05 11/01/03 0 2755506 N 10/01/33 0 8834194 286/286 F 88,800.00 ZZ 360 88,551.93 1 6.375 554.00 80 6.125 554.00 MESQUITE TX 75181 1 09/30/03 00 2788985 05 11/01/03 0 2788985 N 10/01/33 0 8834218 286/286 F 110,000.00 ZZ 360 109,158.79 2 6.375 686.26 62 6.125 686.26 HILLSBORO OR 97123 2 09/23/03 00 2802146 05 11/01/03 0 2802146 N 10/01/33 0 1 8834242 286/286 F 90,000.00 ZZ 360 89,754.57 1 6.500 568.87 60 6.250 568.87 CLINTON UT 84105 2 09/09/03 00 2482883 05 11/01/03 0 2482883 N 10/01/33 0 8834248 286/286 F 102,000.00 ZZ 360 101,700.97 1 6.250 628.04 60 6.000 628.04 CARSON CITY NV 89705 1 09/30/03 00 2798735 05 11/01/03 0 2798735 N 10/01/33 0 8834258 286/286 F 100,000.00 ZZ 360 99,746.52 2 6.875 656.93 80 6.625 656.93 INDIANAPOLIS IN 46205 2 09/23/03 00 2803530 05 11/01/03 0 2803530 N 10/01/33 0 8834262 286/286 F 100,000.00 ZZ 360 99,713.30 2 6.875 656.93 80 6.625 656.93 INDIANAPOLIS IN 46205 2 09/23/03 00 2803520 05 11/01/03 0 2803520 N 10/01/33 0 8834264 286/286 F 104,000.00 ZZ 360 103,736.36 1 6.875 683.21 69 6.625 683.21 PORTLAND OR 97206 1 09/26/03 00 2822304 05 11/01/03 0 2822304 N 10/01/33 0 8834272 286/286 F 88,000.00 ZZ 360 87,693.69 1 6.375 549.01 80 6.125 549.01 1 SUGAR LAND TX 77479 1 09/12/03 00 2747558 05 11/01/03 0 2747558 N 10/01/33 0 8834278 286/286 F 94,500.00 ZZ 360 94,111.74 1 5.875 559.01 90 5.625 559.01 FERNLEY NV 89408 1 08/22/03 14 1425241 05 10/01/03 25 1425241 N 09/01/33 0 8834284 286/286 F 60,800.00 ZZ 360 60,608.53 1 7.250 414.77 80 7.000 414.77 DAYTON OH 45410 1 08/25/03 00 2718777 05 10/01/03 0 2718777 N 09/01/33 0 8834292 286/286 F 101,500.00 ZZ 360 101,236.35 1 6.750 658.33 70 6.500 658.33 LONGBRANCH WA 98351 5 09/11/03 00 2762456 05 11/01/03 0 2762456 N 10/01/33 0 8834326 286/286 F 116,200.00 ZZ 360 115,875.40 1 6.375 724.94 75 6.125 724.94 SCOTTSDALE AZ 85257 2 09/15/03 00 2771381 05 11/01/03 0 2771381 N 10/01/33 0 8834338 286/286 F 90,750.00 ZZ 360 90,514.26 1 6.750 588.61 75 6.500 588.61 WYOMING MI 49509 1 09/30/03 00 2811331 05 11/01/03 0 2811331 N 10/01/33 0 1 8834340 286/286 F 90,560.00 ZZ 360 90,341.45 2 7.125 610.12 80 6.875 610.12 KNOB NOSTER MO 65336 1 09/05/03 00 2744833 05 11/01/03 0 2744833 N 10/01/33 0 8834342 286/286 F 90,560.00 ZZ 360 90,341.45 1 7.125 610.12 80 6.875 610.12 KNOB NOSTER MO 65336 1 09/05/03 00 2744831 05 11/01/03 0 2744831 N 10/01/33 0 8834344 286/286 F 90,560.00 ZZ 360 90,341.45 1 7.125 610.12 80 6.875 610.12 KNOB NOSTER MO 65336 1 09/05/03 00 2744828 05 11/01/03 0 2744828 N 10/01/33 0 8834356 286/286 F 112,000.00 ZZ 360 111,709.08 1 6.750 726.43 80 6.500 726.43 NORFOLK VA 23503 1 09/16/03 00 2751361 01 11/01/03 0 2751361 N 10/01/33 0 8834378 286/286 F 84,206.00 ZZ 360 84,064.09 1 6.875 553.18 70 6.625 553.18 CAPE CORAL FL 33914 1 10/03/03 00 2817292 05 12/01/03 0 2817292 N 11/01/33 0 8834406 286/286 F 105,000.00 ZZ 360 104,713.67 1 1 6.500 663.68 75 6.250 663.68 COLUMBUS OH 43209 2 09/04/03 00 2735202 05 11/01/03 0 2735202 N 10/01/33 0 8834422 286/286 F 108,000.00 ZZ 360 107,668.24 1 7.375 745.93 90 7.125 745.93 GREELY CO 80634 1 08/15/03 11 2732227 05 10/01/03 25 2732227 N 09/01/33 0 8834446 286/286 F 91,000.00 ZZ 360 90,769.32 1 6.875 597.81 65 6.625 597.81 CHICAGO IL 60644 2 09/25/03 00 2744815 05 11/01/03 0 2744815 N 10/01/33 0 8834458 286/286 F 91,900.00 ZZ 360 91,561.53 1 6.500 580.88 80 6.250 580.88 HARRISBURG PA 17111 1 08/29/03 00 2696352 05 10/01/03 0 2696352 N 09/01/33 0 8834504 286/286 F 90,000.00 TX 360 89,426.31 1 7.250 613.96 75 7.000 613.96 LEANDER TX 78641 5 04/21/03 00 2266032 05 06/01/03 0 2266032 N 05/01/33 0 8834510 286/286 F 90,427.00 ZZ 360 90,197.76 1 6.875 594.05 80 6.625 594.05 FT WAYNE IN 46818 1 09/26/03 00 2365538 05 11/01/03 0 1 2365538 N 10/01/33 0 8834522 286/286 F 89,250.00 ZZ 360 89,006.61 1 6.500 564.13 70 6.250 564.13 WAUKEGAN IL 60085 5 09/24/03 00 2780025 05 11/01/03 0 2780025 N 10/01/33 0 8834536 286/286 F 110,086.00 ZZ 360 109,785.82 1 6.500 695.82 64 6.250 695.82 PUEBLO CO 81008 1 09/08/03 00 2774353 05 11/01/03 0 2774353 N 10/01/33 0 8834546 286/286 F 114,000.00 ZZ 360 113,681.53 1 6.375 711.22 80 6.125 711.22 FAYETTEVILLE GA 30214 1 09/30/03 00 2803192 05 11/01/03 0 2803192 N 10/01/33 0 8834554 286/286 F 108,000.00 ZZ 360 107,635.13 2 7.375 745.93 90 7.125 745.93 NORFOLK VA 23509 1 10/03/03 11 2747945 05 12/01/03 25 2747945 N 11/01/33 0 8834560 286/286 F 106,000.00 ZZ 360 105,640.69 1 6.875 696.35 80 6.625 696.35 PLAINFIELD IL 60544 1 08/28/03 00 2711875 05 10/01/03 0 2711875 N 09/01/33 0 1 8835216 286/286 F 92,800.00 ZZ 360 92,534.44 1 6.250 571.39 80 6.000 571.39 ROSWELL GA 30076 1 09/22/03 00 2742976 01 11/01/03 0 2742976 N 10/01/33 0 8835224 286/286 F 99,000.00 ZZ 360 98,749.05 1 6.875 650.36 90 6.625 650.36 TORRINGTON CT 06790 1 09/18/03 12 2782287 05 11/01/03 25 2782287 N 10/01/33 0 8835230 286/286 F 94,875.00 ZZ 360 94,487.95 1 6.750 615.36 75 6.500 615.36 BALTIMORE MD 21231 1 09/19/03 00 2776988 05 11/01/03 0 2776988 N 10/01/33 0 8835252 286/286 F 115,490.00 ZZ 360 115,159.52 1 6.250 711.10 44 6.000 711.10 HIGHLAND MI 48356 2 09/30/03 00 2703662 05 11/01/03 0 2703662 N 10/01/33 0 8835258 286/286 F 102,000.00 ZZ 360 101,791.50 1 5.875 603.37 64 5.625 603.37 RIVERSIDE CA 92504 2 09/30/03 00 2674023 03 12/01/03 0 2674023 N 11/01/33 0 8835266 286/286 F 117,000.00 ZZ 360 116,573.47 1 6.500 739.52 75 6.250 739.52 1 LAKE VILLA IL 60046 2 08/27/03 00 2726397 05 10/01/03 0 2726397 N 09/01/33 0 8835280 286/286 F 87,550.00 ZZ 360 87,328.05 1 6.875 575.15 80 6.625 575.15 MONCKS CORNER SC 29461 1 09/26/03 00 2804947 05 11/01/03 0 2804947 N 10/01/33 0 8835288 286/286 F 94,500.00 ZZ 360 94,171.76 1 6.750 612.93 90 6.500 612.93 GLENDALE AZ 85302 1 08/19/03 10 2716704 05 10/01/03 25 2716704 N 09/01/33 0 8835328 286/286 F 102,400.00 ZZ 360 102,223.16 1 6.750 664.17 80 6.500 664.17 OVERLAND PARK KS 66212 1 10/07/03 00 2796356 05 12/01/03 0 2796356 N 11/01/33 0 8835338 286/286 F 108,000.00 ZZ 360 107,732.85 1 7.000 718.53 80 6.750 718.53 PASADENA MD 21122 1 09/25/03 00 2778971 05 11/01/03 0 2778971 N 10/01/33 0 8835342 286/286 F 111,900.00 ZZ 360 111,702.00 1 6.625 716.51 80 6.375 716.51 PASADENA MD 21122 1 10/07/03 00 2743297 03 12/01/03 0 2743297 N 11/01/33 0 1 8835450 286/286 F 107,000.00 ZZ 360 106,600.38 1 6.375 667.55 60 6.125 667.55 PORTLAND OR 97217 5 08/19/03 00 2716373 05 10/01/03 0 2716373 N 09/01/33 0 8835464 286/286 F 86,200.00 ZZ 360 85,048.78 1 6.750 559.10 79 6.500 559.10 GRAIN VALLEY MO 64029 2 09/26/03 00 2806103 05 11/01/03 0 2806103 N 10/01/33 0 8835496 286/286 F 21,500.00 ZZ 360 21,415.33 2 7.250 146.67 90 7.000 146.67 ERIE PA 16507 1 09/10/03 10 2707161 05 11/01/03 25 2707161 N 10/01/33 0 8835500 286/286 F 84,000.00 ZZ 360 83,797.18 2 7.125 565.93 80 6.875 565.93 MASON OH 45040 1 09/24/03 00 2769727 05 11/01/03 0 2769727 N 10/01/33 0 8835504 286/286 F 84,000.00 ZZ 360 83,796.62 2 7.125 565.93 80 6.875 565.93 KINGS OH 45034 1 09/24/03 00 2769710 05 11/01/03 0 2769710 N 10/01/33 0 8835540 286/286 F 101,450.00 ZZ 360 101,186.49 1 1 6.750 658.00 86 6.500 658.00 WIMBERLEY TX 78676 2 09/19/03 11 2694061 05 11/01/03 25 2694061 N 10/01/33 0 8835560 286/286 F 99,100.00 ZZ 360 98,842.59 1 6.750 642.76 74 6.500 642.76 GLENDALE AZ 85306 1 09/24/03 00 2816467 05 11/01/03 0 2816467 N 10/01/33 0 8835576 286/286 F 36,000.00 ZZ 360 35,886.66 1 7.250 245.58 80 7.000 245.58 PARIS TX 75460 1 08/25/03 00 2745836 05 10/01/03 0 2745836 N 09/01/33 0 8835588 286/286 F 103,000.00 ZZ 360 102,751.98 1 6.500 651.04 79 6.250 651.04 HAMILTON WA 98255 2 10/01/03 00 2818703 05 12/01/03 0 2818703 N 11/01/33 0 8835598 286/286 F 92,000.00 ZZ 360 91,736.75 1 6.250 566.46 62 6.000 566.46 PARKVILLE MO 64152 2 09/30/03 00 2798457 05 11/01/03 0 2798457 N 10/01/33 0 8835660 286/286 F 91,125.00 ZZ 360 90,658.86 1 6.375 568.51 75 6.125 568.51 CHIPPEWA LAKE OH 44215 1 09/02/03 00 2731356 05 10/01/03 0 1 2731356 N 09/01/33 0 8835674 286/286 F 200,000.00 ZZ 360 199,234.96 2 6.250 1,231.44 77 6.000 1,231.44 BURLINGTON VT 05401 5 09/03/03 00 2688381 05 10/01/03 0 2688381 N 09/01/33 0 8835678 286/286 F 108,000.00 ZZ 360 107,684.32 1 7.625 764.42 90 7.375 764.42 FOUNTAIN CO 80817 1 08/27/03 11 2759818 05 10/01/03 25 2759818 N 09/01/33 0 8835684 286/286 F 36,000.00 ZZ 360 35,871.92 1 7.000 239.51 80 6.750 239.51 MILWAUKEE WI 53210 1 10/01/03 00 2837775 05 11/01/03 0 2837775 N 10/01/33 0 8835690 286/286 F 85,800.00 ZZ 360 85,554.47 1 6.250 528.29 60 6.000 528.29 MIDLOTHIAN VA 23112 1 09/17/03 00 2712472 05 11/01/03 0 2712472 N 10/01/33 0 8835732 286/286 F 96,000.00 ZZ 360 95,725.83 1 6.875 630.66 56 6.625 630.66 COLLEGE PARK MD 20740 5 09/22/03 00 2682770 05 11/01/03 0 2682770 N 10/01/33 0 1 8835736 286/286 F 87,750.00 ZZ 360 87,522.05 1 6.750 569.15 75 6.500 569.15 LITITZ PA 17543 1 09/29/03 00 2795326 05 11/01/03 0 2795326 N 10/01/33 0 8835750 286/286 F 101,600.00 ZZ 360 101,302.21 1 6.125 617.34 76 5.875 617.34 INDIANAPOLIS IN 46234 2 09/30/03 00 1425463 05 11/01/03 0 1425463 N 10/01/33 0 8835754 286/286 F 101,250.00 ZZ 360 100,963.13 3 6.375 631.67 75 6.125 631.67 MILWAUKEE WI 53204 1 09/16/03 00 2710202 05 11/01/03 0 2710202 N 10/01/33 0 8835840 286/286 F 116,800.00 ZZ 360 116,503.91 1 6.875 767.30 80 6.625 767.30 GLENDALE AZ 85304 1 09/23/03 00 2786389 05 11/01/03 0 2786389 N 10/01/33 0 8835848 286/286 F 86,400.00 ZZ 360 86,152.77 1 6.250 531.98 80 6.000 531.98 VIRGINIA BEACH VA 23452 1 09/30/03 00 2741329 05 11/01/03 0 2741329 N 10/01/33 0 8835864 286/286 F 109,800.00 ZZ 360 109,427.82 1 6.875 721.31 90 6.625 721.31 1 FORT WAYNE IN 46835 1 08/28/03 14 2770512 05 10/01/03 25 2770512 N 09/01/33 0 8835874 286/286 F 85,500.00 ZZ 360 85,255.35 1 6.250 526.44 90 6.000 526.44 WILMINGTON NC 28405 1 09/02/03 12 2668446 05 11/01/03 25 2668446 N 10/01/33 0 8835898 286/286 F 112,500.00 ZZ 360 111,803.28 2 5.875 665.49 90 5.625 665.49 NORFOLK VA 23518 1 06/30/03 11 2367452 05 08/01/03 25 2367452 N 07/01/33 0 8835912 286/286 F 110,000.00 ZZ 360 109,692.72 1 6.375 686.26 60 6.125 686.26 LITTLETON CO 80122 2 09/30/03 00 2674055 05 11/01/03 0 2674055 N 10/01/33 0 8835938 286/286 F 88,500.00 ZZ 360 88,275.65 1 6.875 581.39 80 6.625 581.39 LOUISVILLE KY 40272 5 10/01/03 00 2743877 05 11/01/03 0 2743877 N 10/01/33 0 8835952 286/286 F 99,200.00 ZZ 360 98,855.47 1 6.750 643.41 80 6.500 643.41 SHAWNEE KS 66203 1 08/29/03 00 2726418 05 10/01/03 0 2726418 N 09/01/33 0 1 8836032 286/286 F 99,000.00 ZZ 360 98,807.05 1 6.125 601.54 90 5.875 601.54 TITUSVILLE FL 32796 1 10/06/03 21 2824925 05 12/01/03 25 2824925 N 11/01/33 0 8836044 286/286 F 115,200.00 ZZ 360 114,759.33 1 6.250 709.31 90 6.000 709.31 BROOKPARK OH 44142 1 08/27/03 10 2707435 05 10/01/03 25 2707435 N 09/01/33 0 8836052 286/286 F 110,000.00 ZZ 360 109,636.68 1 6.000 659.51 53 5.750 659.51 WHEAT RIDGE CO 80033 5 10/01/03 00 2834038 05 11/01/03 0 2834038 N 10/01/33 0 8836060 286/286 F 112,092.00 ZZ 360 111,437.47 1 7.000 745.75 73 6.750 745.75 GREENSBORO NC 27405 2 05/27/03 00 2220584 05 07/01/03 0 2220584 N 06/01/33 0 8836122 286/286 F 34,500.00 ZZ 360 34,386.01 1 6.625 220.91 69 6.375 220.91 DUQUESNE PA 15110 2 09/29/03 00 2774724 05 11/01/03 0 2774724 N 10/01/33 0 8836126 286/286 F 85,500.00 ZZ 360 85,283.25 1 1 6.875 561.68 90 6.625 561.68 VIRGINIA BEACH VA 23464 1 09/12/03 10 2761320 05 11/01/03 25 2761320 N 10/01/33 0 8836128 286/286 F 112,000.00 ZZ 360 111,566.49 1 6.375 698.74 70 6.125 698.74 EAST POINT GA 30344 5 09/12/03 00 2704947 05 11/01/03 0 2704947 N 10/01/33 0 8836136 286/286 F 89,910.00 ZZ 360 89,601.82 1 6.875 590.65 90 6.625 590.65 LA PLATA MD 20646 1 08/29/03 11 2729642 05 10/01/03 25 2729642 N 09/01/33 0 8836154 286/286 F 85,000.00 ZZ 360 84,762.55 1 6.375 530.29 60 6.125 530.29 SAINT LOUIS MO 63119 5 09/19/03 00 2789512 05 11/01/03 0 2789512 N 10/01/33 0 8836342 313/G02 F 112,500.00 ZZ 360 112,214.82 1 6.875 739.05 90 6.625 739.05 NORRISTOWN PA 19403 1 10/10/03 10 0436900203 05 11/01/03 25 9922766 N 10/01/33 0 8839274 N47/G02 F 200,000.00 ZZ 360 199,600.80 1 6.000 1,199.10 40 5.750 1,199.10 ALBION CA 95410 5 10/16/03 00 0437039928 05 12/01/03 0 1 30509257 O 11/01/33 0 8844032 K15/G02 F 140,000.00 ZZ 360 139,746.18 1 6.500 884.90 80 6.250 884.90 EAST HAVEN CT 06512 5 10/27/03 00 0437044613 05 12/01/03 0 037405514043 O 11/01/33 0 8844504 H58/G02 F 283,500.00 ZZ 360 282,408.07 1 7.375 1,958.06 90 7.125 1,958.06 PALOS VERDES ES CA 90274 1 07/15/03 41 0436887343 01 09/01/03 25 179730 O 08/01/33 0 8844514 H58/G02 F 203,000.00 ZZ 360 202,026.83 1 6.250 1,249.91 68 6.000 1,249.91 NEWBERG OR 97132 5 07/18/03 00 0436887871 05 09/01/03 0 175978 O 08/01/33 0 8844608 H58/G02 F 109,250.00 ZZ 360 108,966.23 1 6.750 708.59 95 6.500 708.59 PHOENIX AZ 85053 1 09/24/03 01 0436887848 05 11/01/03 30 190506 O 10/01/33 0 8847808 F36/G02 F 164,000.00 ZZ 360 163,716.81 1 6.750 1,063.70 80 6.500 1,063.70 VANCOUVER WA 98684 5 10/10/03 00 0436927412 05 12/01/03 0 06506993 O 11/01/33 0 1 8849714 W93/G02 F 284,000.00 ZZ 360 283,485.11 1 6.500 1,795.08 80 6.250 1,795.08 ANAHEIM CA 92801 1 10/23/03 00 0436934137 05 12/01/03 0 03493946 O 11/01/33 0 8849828 W93/G02 F 65,250.00 ZZ 360 65,140.04 1 6.875 428.65 75 6.625 428.65 CRESCENT CITY CA 95531 1 10/22/03 00 0436917389 05 12/01/03 0 44501771 O 11/01/33 0 8849832 W93/G02 F 130,500.00 ZZ 360 130,263.42 1 6.500 824.85 90 6.250 824.85 PHOENIX AZ 85023 1 10/21/03 04 0436909196 05 12/01/03 25 55418205 O 11/01/33 0 8849844 W93/G02 F 185,250.00 ZZ 360 184,905.93 2 6.375 1,155.72 95 6.125 1,155.72 LOS ANGELES (A CA 90063 1 10/15/03 14 0436931000 05 12/01/03 30 67509539 O 11/01/33 0 8850722 B43/G02 F 113,000.00 ZZ 360 112,897.84 1 6.500 714.24 95 6.250 714.24 FOUNTAIN INN SC 29644 2 11/06/03 01 0437078603 05 01/01/04 25 40287 O 12/01/33 0 8851378 E22/G02 F 298,500.00 ZZ 360 298,223.53 4 6.375 1,862.25 80 6.125 1,862.25 1 BLOOMFIELD NJ 07003 2 11/07/03 00 0418952347 05 01/01/04 0 0418952347 N 12/01/33 0 8851608 Y21/G02 F 200,000.00 ZZ 360 199,610.21 1 6.125 1,215.23 55 5.875 1,215.23 WEST LONG BRANC NJ 07764 1 10/10/03 00 0436931034 05 12/01/03 0 203805593 O 11/01/33 0 8852002 286/286 F 112,500.00 ZZ 360 112,328.27 2 7.375 777.01 75 7.125 777.01 POMPANO BEACH FL 33064 5 10/23/03 00 2857926 05 12/01/03 0 2857926 N 11/01/33 0 8852006 286/286 F 112,500.00 ZZ 360 112,328.27 2 7.375 777.01 75 7.125 777.01 DEERFIELD BEACH FL 33441 5 10/23/03 00 2858336 05 12/01/03 0 2858336 N 11/01/33 0 8852008 286/286 F 360,000.00 ZZ 360 359,363.01 4 6.625 2,305.12 80 6.375 2,305.12 PASADENA CA 91103 5 10/06/03 00 2845658 05 12/01/03 0 2845658 O 11/01/33 0 8852018 286/286 F 46,300.00 ZZ 360 46,223.86 1 7.000 308.04 65 6.750 308.04 ELWOOD IN 46036 2 10/30/03 00 2881903 05 12/01/03 0 2881903 N 11/01/33 0 1 8852020 286/286 F 67,200.00 ZZ 360 67,086.76 1 6.875 441.46 80 6.625 441.46 UNION OH 45322 1 10/30/03 00 2853463 05 12/01/03 0 2853463 O 11/01/33 0 8852024 286/286 F 470,000.00 ZZ 360 469,147.90 2 6.500 2,970.73 79 6.250 2,970.73 REDWOOD CITY CA 94063 5 10/17/03 00 2705292 05 12/01/03 0 2705292 O 11/01/33 0 8852026 286/286 F 136,800.00 ZZ 360 136,551.99 1 6.500 864.67 80 6.250 864.67 PRAIRIE VILLAGE KS 66208 1 10/31/03 00 2889486 05 12/01/03 0 2889486 N 11/01/33 0 8852028 286/286 F 138,500.00 ZZ 360 138,215.67 1 6.750 898.31 75 6.500 898.31 DAVISON MI 48423 5 10/31/03 00 2881177 05 12/01/03 0 2881177 N 11/01/33 0 8852046 286/286 F 252,000.00 ZZ 360 251,605.63 1 7.250 1,719.09 90 7.000 1,719.09 WEST CHICAGO IL 60185 1 10/30/03 12 2865565 05 12/01/03 25 2865565 N 11/01/33 0 8852048 286/286 F 94,410.00 ZZ 360 94,269.42 3 1 7.500 660.13 86 7.250 660.13 PITTSFIELD MA 01201 1 10/24/03 11 2804409 05 12/01/03 25 2804409 N 11/01/33 0 8852052 286/286 F 47,950.00 ZZ 360 47,869.19 1 6.875 315.00 95 6.625 315.00 HOUSTON TX 77042 1 10/20/03 11 2870364 01 12/01/03 30 2870364 O 11/01/33 0 8852056 286/286 F 88,000.00 ZZ 360 87,840.47 2 6.500 556.22 59 6.250 556.22 WASHINGTON DC 20010 5 10/24/03 00 2496171 05 12/01/03 0 2496171 N 11/01/33 0 8852058 286/286 F 123,000.00 ZZ 360 122,364.48 1 6.125 747.37 79 5.875 747.37 PHILADELPHIA PA 19127 2 10/22/03 00 2676986 05 12/01/03 0 2676986 N 11/01/33 0 8852062 286/286 F 68,000.00 ZZ 360 67,890.92 1 7.125 458.13 80 6.875 458.13 MESQUITE TX 75149 1 10/24/03 00 2849846 05 12/01/03 0 2849846 N 11/01/33 0 8852066 286/286 F 87,960.00 ZZ 360 87,792.16 1 7.250 600.05 80 7.000 600.05 KANSAS CITY MO 64134 1 10/23/03 00 2837850 05 12/01/03 0 1 2837850 O 11/01/33 0 8852070 286/286 F 95,500.00 ZZ 360 95,335.07 1 6.750 619.42 74 6.500 619.42 OSAGE BEACH MO 65065 5 10/15/03 00 2821948 05 12/01/03 0 2821948 O 11/01/33 0 8852074 286/286 F 112,500.00 ZZ 360 112,310.42 4 6.875 739.05 90 6.625 739.05 PITTSFIELD MA 01201 1 10/23/03 12 2861748 05 12/01/03 25 2861748 N 11/01/33 0 8852076 K15/G02 F 100,100.00 ZZ 360 100,013.81 2 6.750 649.25 73 6.500 649.25 HOLYOKE MA 01040 5 10/28/03 00 0437042815 05 01/01/04 0 037805514486 O 12/01/33 0 8852080 286/286 F 81,600.00 ZZ 360 81,459.08 1 6.750 529.26 80 6.500 529.26 HIGHLAND NY 12528 5 10/31/03 00 2801830 05 12/01/03 0 2801830 N 11/01/33 0 8852084 286/286 F 67,500.00 ZZ 360 67,394.36 1 7.250 460.47 75 7.000 460.47 WEST PALM BEACH FL 33407 5 10/21/03 00 2808201 05 12/01/03 0 2808201 N 11/01/33 0 1 8852086 286/286 F 189,000.00 ZZ 360 188,657.35 3 6.500 1,194.61 90 6.250 1,194.61 CRANSTON RI 02905 1 10/27/03 14 2830061 05 12/01/03 25 2830061 N 11/01/33 0 8852090 286/286 F 83,700.00 ZZ 360 83,562.38 1 7.000 556.86 90 6.750 556.86 TRENTON NJ 08629 1 10/29/03 11 2831373 05 12/01/03 25 2831373 N 11/01/33 0 8852096 286/286 F 106,700.00 ZZ 360 106,487.01 1 6.000 639.73 90 5.750 639.73 NORMAL IL 61761 1 10/28/03 04 2838924 05 12/01/03 25 2838924 N 11/01/33 0 8852106 286/286 F 143,685.00 ZZ 360 143,575.66 2 7.375 992.40 90 7.125 992.40 OVERLAND PARK KS 66214 1 11/12/03 14 2808826 05 01/01/04 25 2808826 N 12/01/33 0 8852110 286/286 F 168,240.00 ZZ 360 167,983.16 1 7.375 1,162.00 80 7.125 1,162.00 AUSTIN TX 78749 1 10/29/03 00 2868473 01 12/01/03 0 2868473 O 11/01/33 0 8852114 286/286 F 452,000.00 ZZ 360 451,180.55 1 6.500 2,856.95 80 6.250 2,856.95 1 KAHULUI HI 96732 5 10/15/03 00 2858481 05 12/01/03 0 2858481 O 11/01/33 0 8852118 286/286 F 117,100.00 ZZ 360 116,777.40 1 5.375 655.73 80 5.125 655.73 COLUMBUS OH 43240 1 10/20/03 00 2527823 01 12/01/03 0 2527823 O 11/01/33 0 8852124 286/286 F 131,150.00 ZZ 360 130,888.21 1 6.000 786.32 80 5.750 786.32 COLUMBUS OH 43240 1 10/02/03 00 2778313 01 12/01/03 0 2778313 O 11/01/33 0 8852128 286/286 F 137,500.00 ZZ 360 137,244.60 1 6.375 857.83 57 6.125 857.83 BURKE VA 22015 5 10/23/03 00 2850067 03 12/01/03 0 2850067 N 11/01/33 0 8852132 286/286 F 133,200.00 ZZ 360 132,964.30 1 6.625 852.90 80 6.375 852.90 ARLINGTON TX 76012 1 10/22/03 00 2869273 05 12/01/03 0 2869273 O 11/01/33 0 8852136 286/286 F 142,500.00 ZZ 360 142,271.41 1 7.125 960.05 75 6.875 960.05 MT AIRY MD 21771 5 10/22/03 00 2820859 03 12/01/03 0 2820859 N 11/01/33 0 1 8852142 286/286 F 249,500.00 ZZ 360 249,128.50 1 7.500 1,744.55 57 7.250 1,744.55 SOUTH SAN FRANC CA 94080 2 10/21/03 00 2780542 05 12/01/03 0 2780542 N 11/01/33 0 8852154 286/286 F 164,000.00 ZZ 360 163,695.39 4 6.375 1,023.15 80 6.125 1,023.15 BURRIVILLE RI 02859 1 10/30/03 00 2821566 05 12/01/03 0 2821566 N 11/01/33 0 8852160 286/286 F 58,000.00 ZZ 360 57,892.27 1 6.375 361.85 80 6.125 361.85 CHESAPEAKE VA 23320 1 10/28/03 00 2850159 01 12/01/03 0 2850159 N 11/01/33 0 8852170 286/286 F 223,200.00 ZZ 360 222,795.35 3 6.500 1,410.78 90 6.250 1,410.78 BRIDGEPORT CT 06606 1 10/27/03 12 2796477 05 12/01/03 25 2796477 N 11/01/33 0 8852174 286/286 F 444,000.00 ZZ 360 443,074.80 1 6.375 2,769.99 79 6.125 2,769.99 MANORVILLE NY 11949 2 10/22/03 00 2676689 05 12/01/03 0 2676689 O 11/01/33 0 8852178 286/286 F 128,000.00 ZZ 360 127,767.94 1 1 6.500 809.05 50 6.250 809.05 SPRINGFIELD VA 22151 2 10/28/03 00 2847529 03 12/01/03 0 2847529 N 11/01/33 0 8852186 286/286 F 142,590.00 ZZ 360 142,323.99 2 6.875 936.72 70 6.625 936.72 WINOOSKI VT 05404 5 10/27/03 00 2817982 05 12/01/03 0 2817982 N 11/01/33 0 8852190 286/286 F 94,500.00 ZZ 360 94,174.20 3 7.250 644.66 90 7.000 644.66 AKRON OH 44314 1 10/31/03 12 2818539 05 12/01/03 25 2818539 N 11/01/33 0 8852198 286/286 F 259,500.00 ZZ 360 259,040.83 1 6.625 1,661.61 75 6.375 1,661.61 LEES SUMMIT MO 64081 2 10/17/03 00 2859288 05 12/01/03 0 2859288 O 11/01/33 0 8852204 286/286 F 151,730.00 ZZ 360 151,461.52 4 6.625 971.55 80 6.375 971.55 MESA AZ 85204 1 10/28/03 00 2883111 05 12/01/03 0 2883111 N 11/01/33 0 8852208 286/286 F 300,000.00 ZZ 360 299,506.75 3 7.000 1,995.91 88 6.750 1,995.91 PROVIDENCE RI 02906 1 10/31/03 11 2858849 05 12/01/03 25 1 2858849 N 11/01/33 0 8852212 286/286 F 108,750.00 ZZ 360 108,575.55 1 7.125 732.67 75 6.875 732.67 WILMINGTON DE 19808 5 10/21/03 00 2852272 05 12/01/03 0 2852272 N 11/01/33 0 8852216 286/286 F 100,000.00 ZZ 360 99,827.32 1 6.750 648.60 80 6.500 648.60 SANFORD FL 32771 2 10/20/03 00 2766978 05 12/01/03 0 2766978 N 11/01/33 0 8852220 286/286 F 124,000.00 ZZ 360 123,805.95 2 7.250 845.90 80 7.000 845.90 MILWAUKEE WI 53212 1 10/14/03 00 2842705 05 12/01/03 0 2842705 N 11/01/33 0 8852224 286/286 F 88,200.00 ZZ 360 88,068.67 1 7.500 616.71 90 7.250 616.71 WASHINGTON DC 20002 1 10/31/03 11 2303690 05 12/01/03 25 2303690 N 11/01/33 0 8852228 286/286 F 75,600.00 ZZ 360 75,469.43 1 6.750 490.35 80 6.500 490.35 NEW BRIGHTON PA 15066 5 10/31/03 00 2824971 05 12/01/03 0 2824971 N 11/01/33 0 1 8852236 286/286 F 92,000.00 ZZ 360 91,844.96 1 6.875 604.37 80 6.625 604.37 PORT ST LUCIE FL 34952 1 10/31/03 00 2878213 05 12/01/03 0 2878213 N 11/01/33 0 8852246 286/286 F 100,000.00 ZZ 360 99,843.51 1 7.250 682.18 49 7.000 682.18 EDGEWATER MD 21037 5 10/21/03 00 2820812 05 12/01/03 0 2820812 N 11/01/33 0 8852256 286/286 F 79,120.00 ZZ 360 78,992.19 1 7.250 539.74 80 7.000 539.74 BRIGANTINE NJ 08203 1 10/30/03 00 2812079 01 12/01/03 0 2812079 N 11/01/33 0 8852260 286/286 F 72,000.00 ZZ 360 71,878.67 1 6.875 472.99 80 6.625 472.99 PORTSMOUTH VA 23702 5 10/28/03 00 2850630 05 12/01/03 0 2850630 N 11/01/33 0 8852266 286/286 F 58,400.00 ZZ 360 58,308.59 2 7.250 398.40 80 7.000 398.40 DETROIT MI 48213 2 10/22/03 00 2838363 05 12/01/03 0 2838363 N 11/01/33 0 8852268 286/286 F 164,800.00 ZZ 360 164,493.91 1 6.375 1,028.14 80 6.125 1,028.14 1 SNELLVILLE GA 30039 1 10/24/03 00 2852111 05 12/01/03 0 2852111 O 11/01/33 0 8852272 286/286 F 180,000.00 ZZ 360 179,665.67 1 6.375 1,122.97 80 6.125 1,122.97 LA CENTER WA 98629 1 10/21/03 00 2854955 05 12/01/03 0 2854955 O 11/01/33 0 8852276 286/286 F 40,800.00 ZZ 360 40,729.54 1 6.750 264.63 80 6.500 264.63 OTTAWA IL 61350 1 10/29/03 00 2865131 05 12/01/03 0 2865131 N 11/01/33 0 8852282 286/286 F 110,560.00 ZZ 360 110,369.06 1 6.750 717.10 80 6.500 717.10 FORT WORTH TX 76248 1 10/27/03 00 2848691 05 12/01/03 0 2848691 N 11/01/33 0 8852286 286/286 F 300,000.00 ZZ 360 299,442.80 3 6.375 1,871.61 77 6.125 1,871.61 WORCESTER MA 01609 1 10/31/03 00 2775830 05 12/01/03 0 2775830 N 11/01/33 0 8852298 286/286 F 138,000.00 ZZ 360 137,650.17 1 6.875 906.57 78 6.625 906.57 COVINGTON GA 30016 2 09/29/03 00 2734575 05 11/01/03 0 2734575 N 10/01/33 0 1 8852300 286/286 F 125,000.00 ZZ 360 124,804.37 1 7.250 852.73 60 7.000 852.73 WASHINGTON DC 20017 1 10/28/03 00 2789129 01 12/01/03 0 2789129 N 11/01/33 0 8852308 286/286 F 100,000.00 ZZ 360 99,823.04 1 6.625 640.32 69 6.375 640.32 DANVILLE KY 40422 1 10/22/03 00 2859857 05 12/01/03 0 2859857 O 11/01/33 0 8852312 286/286 F 121,100.00 ZZ 360 120,827.99 1 5.375 678.13 80 5.125 678.13 COLUMBUS OH 43240 1 10/29/03 00 2475466 01 12/01/03 0 2475466 O 11/01/33 0 8852316 286/286 F 65,700.00 ZZ 360 65,597.19 2 7.250 448.19 90 7.000 448.19 INDIANAPOLIS IN 46201 1 10/31/03 12 2882646 05 12/01/03 25 2882646 N 11/01/33 0 8852320 286/286 F 140,000.00 ZZ 360 139,780.90 4 7.250 955.05 70 7.000 955.05 SAINT LOUIS MO 63110 5 10/20/03 00 2837408 05 12/01/03 0 2837408 N 11/01/33 0 8852328 286/286 F 101,500.00 ZZ 360 101,341.16 4 1 7.250 692.41 70 7.000 692.41 SAINT LOUIS MO 63110 5 10/20/03 00 2837679 05 12/01/03 0 2837679 N 11/01/33 0 8852330 286/286 F 108,500.00 ZZ 360 108,330.19 4 7.250 740.17 70 7.000 740.17 SAINT LOUIS MO 63110 5 10/20/03 00 2837740 05 12/01/03 0 2837740 N 11/01/33 0 8852334 286/286 F 114,000.00 ZZ 360 113,793.32 1 6.500 720.56 75 6.250 720.56 MINNEAPOLIS MN 55412 5 10/30/03 00 2843644 05 12/01/03 0 2843644 N 11/01/33 0 8852336 286/286 F 164,000.00 ZZ 360 163,520.44 2 6.750 1,063.71 80 6.500 1,063.71 REDMOND OR 97756 1 10/21/03 00 2852212 05 12/01/03 0 2852212 N 11/01/33 0 8852340 286/286 F 300,000.00 ZZ 360 299,481.95 1 6.750 1,945.80 75 6.500 1,945.80 CHANTILLY VA 20752 1 10/20/03 00 2768043 05 12/01/03 0 2768043 N 11/01/33 0 8852344 286/286 F 225,000.00 ZZ 360 224,600.25 4 7.750 1,611.93 90 7.500 1,611.93 WASHINGTON DC 20002 1 10/24/03 10 2537278 05 12/01/03 30 1 2537278 N 11/01/33 0 8852346 286/286 F 225,000.00 ZZ 360 224,630.04 1 7.000 1,496.94 71 6.750 1,496.94 ESCONDIDO CA 92027 2 10/17/03 00 2815476 05 12/01/03 0 2815476 O 11/01/33 0 8852348 286/286 F 199,500.00 ZZ 360 197,844.63 1 5.875 1,180.12 70 5.625 1,180.12 MIAMI FL 33145 5 04/07/03 00 2101185 05 06/01/03 0 2101185 O 05/01/33 0 8852350 286/286 F 260,500.00 ZZ 360 260,027.73 1 6.500 1,646.54 43 6.250 1,646.54 SANTA CLARITA CA 91354 1 10/22/03 00 2888548 03 12/01/03 0 2888548 N 11/01/33 0 8852352 286/286 F 33,750.00 ZZ 360 33,699.74 1 7.500 235.98 75 7.250 235.98 EL PASO TX 79915 5 10/24/03 00 2880522 05 12/01/03 0 2880522 N 11/01/33 0 8852354 286/286 F 45,750.00 ZZ 360 45,681.87 1 7.500 319.89 75 7.250 319.89 EL PASO TX 79936 5 10/27/03 00 2880605 05 12/01/03 0 2880605 N 11/01/33 0 1 8852356 286/286 F 76,000.00 ZZ 360 75,868.75 2 6.750 492.94 80 6.500 492.94 SPRINGFIELD MA 01109 1 10/30/03 00 2811301 05 12/01/03 0 2811301 N 11/01/33 0 8852358 286/286 F 144,000.00 ZZ 360 143,751.32 1 6.750 933.99 80 6.500 933.99 BEAVERTON OR 97006 2 10/14/03 00 2865321 05 12/01/03 0 2865321 N 11/01/33 0 8852366 286/286 F 180,000.00 ZZ 360 179,704.04 2 7.000 1,197.55 80 6.750 1,197.55 PORTSMOUTH NH 03801 1 11/06/03 00 2865027 05 12/01/03 0 2865027 N 11/01/33 0 8852368 286/286 F 168,000.00 ZZ 360 167,642.04 1 6.500 1,061.88 80 6.250 1,061.88 CHESAPEAKE VA 23320 1 10/30/03 00 2185575 05 12/01/03 0 2185575 O 11/01/33 0 8852372 286/286 F 116,200.00 ZZ 360 115,059.74 1 6.750 753.68 90 6.500 753.68 MESA AZ 85212 1 04/01/03 12 2199539 01 06/01/03 25 2199539 N 05/01/33 0 8852374 286/286 F 316,500.00 ZZ 360 315,926.21 2 6.500 2,000.50 75 6.250 2,000.50 1 LINDEN NJ 07036 5 10/27/03 00 2872202 05 12/01/03 0 2872202 O 11/01/33 0 8852376 286/286 F 153,000.00 ZZ 360 152,748.43 1 7.000 1,017.92 66 6.750 1,017.92 MIDDLEVILLE MI 49333 5 10/15/03 00 2684125 05 12/01/03 0 2684125 O 11/01/33 0 8852382 286/286 F 97,600.00 ZZ 360 97,435.53 1 6.875 641.16 80 6.625 641.16 TUCSON AZ 85711 1 10/30/03 00 2849142 05 12/01/03 0 2849142 N 11/01/33 0 8852384 286/286 F 104,000.00 ZZ 360 103,806.83 1 6.375 648.83 80 6.125 648.83 HOLLYWOOD FL 33021 2 10/31/03 00 2841201 05 12/01/03 0 2841201 N 11/01/33 0 8852386 286/286 F 127,200.00 ZZ 360 126,963.73 1 6.375 793.57 80 6.125 793.57 FT LAUDERDALE FL 33314 2 10/31/03 00 2841223 05 12/01/03 0 2841223 N 11/01/33 0 8852388 286/286 F 120,000.00 ZZ 360 119,777.11 1 6.375 748.65 80 6.125 748.65 FT LAUDERDALE FL 33314 2 10/31/03 00 2841230 05 12/01/03 0 2841230 N 11/01/33 0 1 8852390 286/286 F 104,000.00 ZZ 360 103,806.83 1 6.375 648.83 80 6.125 648.83 HOLLYWOOD FL 33021 2 10/31/03 00 2841236 05 12/01/03 0 2841236 N 11/01/33 0 8852392 286/286 F 54,000.00 ZZ 360 53,904.44 1 6.625 345.77 80 6.375 345.77 GIBSON CITY IL 60936 1 10/22/03 00 2823999 05 12/01/03 0 2823999 N 11/01/33 0 8852394 286/286 F 391,500.00 ZZ 360 389,234.92 4 5.250 2,161.88 90 5.000 2,161.88 LONG BEACH CA 90810 1 07/03/03 12 2546032 05 09/01/03 25 2546032 O 08/01/33 0 8852396 286/286 F 268,200.00 ZZ 360 267,780.29 4 7.250 1,829.60 90 7.000 1,829.60 SAN BERNARDINO CA 92404 1 10/06/03 12 2815533 05 12/01/03 25 2815533 N 11/01/33 0 8852398 286/286 F 110,000.00 ZZ 300 109,738.19 1 7.250 795.09 65 7.000 795.09 WASHINGTON DC 20032 5 10/22/03 00 2844035 05 12/01/03 0 2844035 N 11/01/28 0 8852402 286/286 F 214,000.00 ZZ 300 213,437.95 1 1 6.625 1,461.71 77 6.375 1,461.71 ELLICOTT CITY MD 21043 5 10/22/03 00 2858828 05 12/01/03 0 2858828 O 11/01/28 0 8852404 286/286 F 58,500.00 ZZ 360 58,423.18 2 8.125 434.36 90 7.875 434.36 KILLEEN TX 76549 1 10/14/03 10 2817040 05 12/01/03 30 2817040 N 11/01/33 0 8852406 286/286 F 65,400.00 ZZ 360 65,208.38 2 7.000 435.11 60 6.750 435.11 SALT LAKE CITY UT 84104 5 10/30/03 00 2769928 05 12/01/03 0 2769928 N 11/01/33 0 8852408 286/286 F 224,000.00 ZZ 360 223,622.53 1 6.875 1,471.53 80 6.625 1,471.53 TRACY CA 95376 1 10/23/03 00 2873561 05 12/01/03 0 2873561 O 11/01/33 0 8852410 286/286 F 72,000.00 ZZ 360 71,892.79 3 7.500 503.44 90 7.250 503.44 INDIANAPOLIS IN 46201 1 10/22/03 21 2870876 05 12/01/03 25 2870876 N 11/01/33 0 8852412 286/286 F 180,000.00 ZZ 360 179,673.66 1 6.500 1,137.73 74 6.250 1,137.73 COTTONWOOD CA 96022 5 10/21/03 00 2811818 05 12/01/03 0 1 2811818 O 11/01/33 0 8852416 286/286 F 44,800.00 ZZ 360 44,728.13 1 7.125 301.83 80 6.875 301.83 VERMILLION SD 57069 1 10/17/03 00 2868446 05 12/01/03 0 2868446 N 11/01/33 0 8852418 286/286 F 84,000.00 ZZ 360 83,840.16 1 6.250 517.21 80 6.000 517.21 MERIDIAN ID 83642 1 10/30/03 00 2882570 05 12/01/03 0 2882570 O 11/01/33 0 8852420 286/286 F 163,000.00 ZZ 360 162,718.02 1 6.750 1,057.22 72 6.500 1,057.22 LOS ANGELES CA 90007 2 10/20/03 00 2840880 05 12/01/03 0 2840880 O 11/01/33 0 8852424 286/286 F 64,000.00 ZZ 360 63,886.75 2 6.625 409.80 80 6.375 409.80 NEW ORLEANS LA 70125 2 10/31/03 00 2851837 05 12/01/03 0 2851837 N 11/01/33 0 8852426 286/286 F 58,400.00 ZZ 360 58,294.12 1 6.500 369.13 80 6.250 369.13 NEW ORLEANS LA 70117 2 10/31/03 00 2852001 05 12/01/03 0 2852001 N 11/01/33 0 1 8852428 286/286 F 227,350.00 ZZ 360 226,937.83 1 6.500 1,437.01 80 6.250 1,437.01 MERCED CA 95348 1 10/13/03 00 2811308 05 12/01/03 0 2811308 O 11/01/33 0 8852430 286/286 F 44,500.00 ZZ 360 44,395.63 1 7.000 296.06 69 6.750 296.06 ENON VA 23836 2 10/27/03 00 2833090 05 12/01/03 0 2833090 N 11/01/33 0 8852432 286/286 F 37,600.00 ZZ 360 37,542.59 1 7.375 259.70 80 7.125 259.70 INDIANAPOLIS IN 46218 2 10/30/03 00 2868268 05 12/01/03 0 2868268 N 11/01/33 0 8852434 286/286 F 20,000.00 ZZ 360 19,969.46 1 7.375 138.14 80 7.125 138.14 INDIANAPOLIS IN 46208 2 10/30/03 00 2868281 05 12/01/03 0 2868281 N 11/01/33 0 8852436 286/286 F 30,400.00 ZZ 360 30,353.58 1 7.375 209.97 80 7.125 209.97 INDIANAPOLIS IN 46203 2 10/30/03 00 2868290 05 12/01/03 0 2868290 N 11/01/33 0 8852438 286/286 F 40,000.00 ZZ 360 39,938.92 1 7.375 276.28 80 7.125 276.28 1 INDIANAPOLIS IN 46222 2 10/30/03 00 2868383 05 12/01/03 0 2868383 N 11/01/33 0 8852440 286/286 F 255,900.00 ZZ 360 255,509.36 1 7.375 1,767.44 80 7.125 1,767.44 YUCAIPA CA 92399 1 10/20/03 00 2852986 05 12/01/03 0 2852986 O 11/01/33 0 8852442 286/286 F 156,600.00 ZZ 360 156,322.90 1 6.625 1,002.73 90 6.375 1,002.73 AUSTIN TX 78703 1 10/31/03 10 2875860 01 12/01/03 30 2875860 N 11/01/33 0 8852444 286/286 F 193,950.00 ZZ 360 193,606.81 2 6.625 1,241.89 80 6.375 1,241.89 STOCKTON CA 95209 1 10/20/03 00 2830238 05 12/01/03 0 2830238 N 11/01/33 0 8852446 286/286 F 63,000.00 ZZ 360 62,893.83 1 6.875 413.87 75 6.625 413.87 WAXAHACHIE TX 75165 5 10/17/03 00 2812430 05 12/01/03 0 2812430 N 11/01/33 0 8852448 286/286 F 135,200.00 ZZ 360 134,993.60 1 7.375 933.80 80 7.125 933.80 MODESTO CA 95351 5 10/16/03 00 2848342 05 12/01/03 0 2848342 O 11/01/33 0 1 8852452 286/286 F 168,750.00 ZZ 360 168,458.60 1 6.750 1,094.51 75 6.500 1,094.51 PLANO TX 75024 5 10/22/03 00 2834019 05 12/01/03 0 2834019 N 11/01/33 0 8852454 286/286 F 392,000.00 ZZ 360 391,254.16 1 6.250 2,413.62 66 6.000 2,413.62 ENCINITAS CA 92024 5 10/24/03 00 2839466 05 12/01/03 0 2839466 O 11/01/33 0 8852458 286/286 F 90,150.00 ZZ 360 90,005.39 1 7.125 607.36 95 6.875 607.36 IMPERIAL CA 92251 1 10/23/03 11 2819504 01 12/01/03 30 2819504 O 11/01/33 0 8852460 286/286 F 43,965.00 ZZ 360 43,899.54 1 7.500 307.41 90 7.250 307.41 TULSA OK 74110 1 10/27/03 04 2825323 05 12/01/03 25 2825323 N 11/01/33 0 8852462 286/286 F 284,000.00 ZZ 360 283,533.06 3 7.000 1,889.46 80 6.750 1,889.46 INGLEWOOD CA 90302 5 10/10/03 00 2828050 05 12/01/03 0 2828050 O 11/01/33 0 8852464 286/286 F 241,600.00 ZZ 360 241,192.87 1 1 6.875 1,587.15 80 6.625 1,587.15 STOCKTON CA 95209 1 10/22/03 00 2843186 05 12/01/03 0 2843186 N 11/01/33 0 8852466 286/286 F 168,000.00 ZZ 359 167,737.09 1 7.250 1,146.95 80 7.000 1,146.95 LEHI UT 84043 1 10/30/03 00 2900629 05 12/01/03 0 2900629 N 10/01/33 0 8852468 286/286 F 73,600.00 ZZ 360 73,268.66 2 6.625 471.27 80 6.375 471.27 YAKIMA WA 98902 1 10/27/03 00 2856279 05 12/01/03 0 2856279 N 11/01/33 0 8852472 286/286 F 72,000.00 ZZ 360 71,890.08 1 7.375 497.29 80 7.125 497.29 WASHINGTON DC 20011 1 10/22/03 00 2782233 01 12/01/03 0 2782233 N 11/01/33 0 8852474 286/286 F 71,250.00 ZZ 360 71,141.23 1 7.375 492.11 75 7.125 492.11 WASHINGTON DC 20011 5 10/22/03 00 2782258 01 12/01/03 0 2782258 N 11/01/33 0 8852476 286/286 F 179,000.00 ZZ 360 178,690.89 1 6.750 1,161.00 80 6.500 1,161.00 SANTA ANA CA 92706 5 10/22/03 00 2868500 01 12/01/03 0 1 2868500 O 11/01/33 0 8852478 286/286 F 148,500.00 ZZ 360 148,132.68 4 7.000 987.98 90 6.750 987.98 CALIFORNIA CITY CA 93505 1 09/08/03 11 2746640 05 11/01/03 25 2746640 N 10/01/33 0 8852480 286/286 F 440,900.00 ZZ 360 440,100.68 1 6.500 2,786.79 70 6.250 2,786.79 LAKE HAVASU CIT AZ 86404 1 10/22/03 00 2853512 05 12/01/03 0 2853512 N 11/01/33 0 8852482 286/286 F 102,400.00 ZZ 360 102,227.44 1 6.875 672.70 80 6.625 672.70 TEMPE AZ 85283 2 10/06/03 00 2722390 05 12/01/03 0 2722390 O 11/01/33 0 8852484 286/286 F 425,000.00 ZZ 360 424,189.84 1 6.250 2,616.80 78 6.000 2,616.80 ROUGH READY CA 95975 5 10/24/03 00 2740493 05 12/01/03 0 2740493 O 11/01/33 0 8852486 286/286 F 187,500.00 ZZ 360 187,168.22 4 6.625 1,200.59 59 6.375 1,200.59 FRESNO CA 93726 1 10/22/03 00 2821554 05 12/01/03 0 2821554 N 11/01/33 0 1 8852488 286/286 F 93,500.00 ZZ 360 93,337.55 1 6.750 606.44 78 6.500 606.44 BANNING CA 92220 2 10/20/03 00 2831596 05 12/01/03 0 2831596 N 11/01/33 0 8852490 286/286 F 187,200.00 ZZ 360 186,794.54 1 6.250 1,152.63 80 6.000 1,152.63 OAKDALE CA 95361 1 10/20/03 00 2839079 05 12/01/03 0 2839079 N 11/01/33 0 8852492 286/286 F 69,920.00 ZZ 360 69,799.26 1 6.750 453.50 67 6.500 453.50 ROUND ROCK TX 78681 1 10/14/03 00 2828660 05 12/01/03 0 2828660 N 11/01/33 0 8852494 286/286 F 521,000.00 ZZ 360 520,006.98 2 6.250 3,207.89 70 6.000 3,207.89 COSTA MESA CA 92626 1 10/22/03 00 2841792 05 12/01/03 0 2841792 N 11/01/33 0 8852500 286/286 F 45,000.00 ZZ 360 44,877.38 1 6.750 291.87 75 6.500 291.87 RICHMOND VA 23223 5 09/02/03 00 2389699 05 11/01/03 0 2389699 N 10/01/33 0 8852502 286/286 F 140,000.00 ZZ 360 139,684.56 1 6.750 908.04 59 6.500 908.04 1 MANTECA CA 95336 5 10/29/03 00 2848317 05 12/01/03 0 2848317 N 11/01/33 0 8852508 286/286 F 81,000.00 ZZ 360 80,870.05 1 7.125 545.72 75 6.875 545.72 BIRMINGHAM AL 35205 5 10/31/03 00 2903055 05 12/01/03 0 2903055 N 11/01/33 0 8852510 286/286 F 130,500.00 ZZ 360 129,605.06 1 6.875 857.30 90 6.625 857.30 PHOENIX AZ 85041 1 03/17/03 12 2074616 05 06/01/03 25 2074616 N 05/01/33 0 8852512 286/286 F 264,000.00 ZZ 360 263,555.13 1 6.875 1,734.29 80 6.625 1,734.29 WICKERBURG AZ 85390 2 10/20/03 00 2823678 05 12/01/03 0 2823678 O 11/01/33 0 8852514 286/286 F 52,200.00 ZZ 360 52,105.36 1 6.500 329.94 90 6.250 329.94 BALTIMORE MD 21225 1 10/31/03 11 2841387 05 12/01/03 25 2841387 N 11/01/33 0 8852518 286/286 F 250,000.00 ZZ 360 249,524.33 1 6.250 1,539.30 57 6.000 1,539.30 MONROE NJ 08831 1 10/23/03 00 1460943 05 12/01/03 0 1460943 O 11/01/33 0 1 8852528 286/286 F 195,000.00 ZZ 360 194,638.81 1 6.875 1,281.02 75 6.625 1,281.02 CHICAGO IL 60629 5 10/29/03 00 2881354 05 12/01/03 0 2881354 N 11/01/33 0 8852532 286/286 F 144,900.00 ZZ 360 144,649.78 1 6.750 939.82 90 6.500 939.82 PHOENIX AZ 85041 1 10/10/03 12 2823576 05 12/01/03 25 2823576 N 11/01/33 0 8852536 286/286 F 136,000.00 ZZ 360 135,765.14 3 6.750 882.10 60 6.500 882.10 DANIA FL 33004 5 10/30/03 00 2861624 05 12/01/03 0 2861624 N 11/01/33 0 8852540 286/286 F 155,000.00 ZZ 360 154,718.98 2 6.500 979.71 61 6.250 979.71 HALLANDALE FL 33009 5 10/30/03 00 2861634 05 12/01/03 0 2861634 N 11/01/33 0 8852544 286/286 F 69,300.00 ZZ 360 69,180.32 2 6.750 449.48 90 6.500 449.48 FT WAYNE IN 46808 1 10/24/03 11 2848496 05 12/01/03 25 2848496 N 11/01/33 0 8852546 286/286 F 83,200.00 ZZ 360 83,045.47 1 1 6.375 519.06 68 6.125 519.06 ROANOKE VA 24018 1 10/28/03 00 2807087 05 12/01/03 0 2807087 N 11/01/33 0 8852548 286/286 F 95,200.00 ZZ 360 95,023.17 1 6.375 593.93 75 6.125 593.93 ROANOKE VA 24015 1 10/28/03 00 2807090 05 12/01/03 0 2807090 N 11/01/33 0 8852552 286/286 F 60,000.00 ZZ 360 59,888.54 1 6.375 374.33 74 6.125 374.33 ROANOKE VA 24018 1 10/20/03 00 2826901 01 12/01/03 0 2826901 N 11/01/33 0 8852554 286/286 F 187,500.00 ZZ 360 187,168.22 4 6.625 1,200.59 59 6.375 1,200.59 FRESNO CA 93726 1 10/02/03 00 2821548 05 12/01/03 0 2821548 N 11/01/33 0 8852556 286/286 F 100,000.00 ZZ 360 99,831.50 3 6.875 656.93 80 6.625 656.93 WILIMINGTON DE 19805 1 10/31/03 00 2864068 05 12/01/03 0 2864068 N 11/01/33 0 8852560 286/286 F 212,450.00 ZZ 360 212,109.19 4 7.125 1,431.32 90 6.875 1,431.32 NEW ORLEANS LA 70124 1 10/24/03 11 2811830 05 12/01/03 25 1 2811830 N 11/01/33 0 8852562 286/286 F 41,700.00 ZZ 360 41,634.74 1 7.250 284.47 71 7.000 284.47 INDIANAPOLIS IN 46201 2 10/23/03 00 2875872 05 12/01/03 0 2875872 N 11/01/33 0 8852564 286/286 F 37,000.00 ZZ 360 36,942.09 1 7.250 252.41 58 7.000 252.41 INDIANAPOLIS IN 46203 2 10/23/03 00 2875880 05 12/01/03 0 2875880 N 11/01/33 0 8852566 286/286 F 41,250.00 ZZ 360 41,217.82 1 7.250 281.40 75 7.000 281.40 INDIANAPOLIS IN 46221 5 10/31/03 00 2885995 05 01/01/04 0 2885995 N 12/01/33 0 8852570 286/286 F 56,400.00 ZZ 360 56,302.61 1 6.750 365.81 80 6.500 365.81 VIRGINIA BEACH VA 23454 1 10/27/03 00 2853158 01 12/01/03 0 2853158 N 11/01/33 0 8852572 286/286 F 60,800.00 ZZ 360 60,695.01 1 6.750 394.35 80 6.500 394.35 VIRGINIA BEACH VA 23452 1 10/27/03 00 2867315 01 12/01/03 0 2867315 N 11/01/33 0 1 8852580 286/286 F 275,500.00 ZZ 360 274,875.52 3 7.000 1,832.91 95 6.750 1,832.91 STOCKTON CA 95207 1 10/16/03 12 2857219 05 12/01/03 30 2857219 O 11/01/33 0 8852582 286/286 F 135,200.00 ZZ 360 134,972.17 1 6.875 888.17 80 6.625 888.17 SARATOGA SPRING UT 84043 1 10/14/03 00 2848247 03 12/01/03 0 2848247 O 11/01/33 0 8852584 286/286 F 212,000.00 ZZ 360 211,361.16 1 6.875 1,392.69 80 6.625 1,392.69 STOCKTON CA 95209 5 10/21/03 00 2829983 05 12/01/03 0 2829983 O 11/01/33 0 8852586 286/286 F 261,050.00 ZZ 360 260,599.21 1 6.750 1,693.17 90 6.500 1,693.17 MERCED CA 95348 1 10/06/03 11 2684013 05 12/01/03 25 2684013 O 11/01/33 0 8852588 286/286 F 75,750.00 ZZ 360 75,592.72 1 6.875 497.63 75 6.625 497.63 WHITEWATER CO 81527 5 10/30/03 00 2898650 05 12/01/03 0 2898650 N 11/01/33 0 8852590 286/286 F 54,800.00 ZZ 360 54,707.65 1 6.875 360.00 80 6.625 360.00 1 KAUFMAN TX 75142 1 10/27/03 00 2879259 05 12/01/03 0 2879259 N 11/01/33 0 8852592 286/286 F 26,100.00 ZZ 360 26,061.13 2 7.500 182.50 90 7.250 182.50 PINE BLUFF AR 71601 1 10/31/03 11 2815703 05 12/01/03 25 2815703 N 11/01/33 0 8852594 286/286 F 637,000.00 ZZ 360 635,670.50 2 6.500 4,026.28 64 6.250 4,026.28 MANHATTAN BEACH CA 90266 2 10/23/03 00 2838868 05 12/01/03 0 2838868 N 11/01/33 0 8852596 286/286 F 136,000.00 ZZ 360 135,623.32 1 6.375 848.47 80 6.125 848.47 INDIANAPOLIS IN 46260 5 10/23/03 00 2819331 05 12/01/03 0 2819331 O 11/01/33 0 8852598 286/286 F 376,000.00 ZZ 360 375,318.34 1 6.500 2,376.58 80 6.250 2,376.58 LAGUNA HILLS CA 92653 5 10/09/03 00 2861149 05 12/01/03 0 2861149 O 11/01/33 0 8852602 286/286 F 173,600.00 ZZ 360 173,307.47 1 6.875 1,140.43 80 6.625 1,140.43 PROVIDENCE RI 02908 5 10/31/03 00 2837427 05 12/01/03 0 2837427 N 11/01/33 0 1 8852604 286/286 F 84,000.00 ZZ 360 83,854.93 1 6.750 544.83 80 6.500 544.83 TEMPE AZ 85282 1 10/23/03 00 2861226 05 12/01/03 0 2861226 N 11/01/33 0 8852606 286/286 F 128,947.00 ZZ 360 128,718.82 1 6.625 825.67 80 6.375 825.67 SURPRISE AZ 85379 1 10/10/03 00 2839028 05 12/01/03 0 2839028 O 11/01/33 0 8852608 286/286 F 95,000.00 ZZ 360 94,819.10 1 6.250 584.94 68 6.000 584.94 HOMESTEAD FL 33032 5 10/31/03 00 2777713 05 12/01/03 0 2777713 N 11/01/33 0 8852610 286/286 F 177,275.00 ZZ 360 176,976.26 3 6.875 1,164.58 79 6.625 1,164.58 NEW BEDFORD MA 02740 1 10/28/03 00 2814295 05 12/01/03 0 2814295 N 11/01/33 0 8852612 286/286 F 91,200.00 ZZ 360 91,034.65 1 6.500 576.45 80 6.250 576.45 COLUMBIA MD 21044 5 10/21/03 00 2683698 01 12/01/03 0 2683698 N 11/01/33 0 8852614 286/286 F 103,840.00 ZZ 360 103,681.48 1 1 7.375 717.20 80 7.125 717.20 POOLESVILLE MD 20837 1 10/24/03 00 2704035 05 12/01/03 0 2704035 N 11/01/33 0 8852616 286/286 F 63,000.00 ZZ 360 62,885.77 1 6.500 398.21 90 6.250 398.21 KISSIMMEE FL 34743 1 10/30/03 14 2707538 05 12/01/03 25 2707538 N 11/01/33 0 8852620 286/286 F 37,000.00 ZZ 360 36,932.92 1 6.500 233.87 51 6.250 233.87 VIRGINIA BEACH VA 23453 1 10/23/03 00 2860480 03 12/01/03 0 2860480 N 11/01/33 0 8852622 286/286 F 44,100.00 ZZ 360 44,015.86 1 7.250 300.84 90 7.000 300.84 BLOOMINGTON IL 61701 1 10/31/03 12 2863561 05 12/01/03 25 2863561 N 11/01/33 0 8852624 286/286 F 119,550.00 ZZ 360 119,287.67 1 5.500 678.80 80 5.250 678.80 COLUMBUS OH 43240 5 10/31/03 00 2400780 05 12/01/03 0 2400780 O 11/01/33 0 8852628 286/286 F 98,500.00 ZZ 360 98,329.91 1 6.750 638.87 85 6.500 638.87 ENGLEWOOD OH 45322 2 10/14/03 12 2831468 05 12/01/03 12 1 2831468 O 11/01/33 0 8852630 286/286 F 109,452.00 ZZ 360 109,248.71 1 6.375 682.84 80 6.125 682.84 LEANDER TX 78641 1 10/27/03 00 2858364 05 12/01/03 0 2858364 N 11/01/33 0 8852632 286/286 F 175,200.00 ZZ 360 174,911.94 4 7.000 1,165.61 80 6.750 1,165.61 MESA AZ 85210 2 10/24/03 00 2822951 05 12/01/03 0 2822951 N 11/01/33 0 8852640 286/286 F 72,000.00 ZZ 360 71,878.67 1 6.875 472.99 90 6.625 472.99 WARREN MI 48089 1 10/23/03 11 2846834 05 12/01/03 25 2846834 N 11/01/33 0 8852642 286/286 F 536,000.00 ZZ 360 535,050.65 1 6.625 3,432.07 80 6.375 3,432.07 (CHATSWORTH ARE CA 91311 1 10/30/03 00 2894973 05 12/01/03 0 2894973 O 11/01/33 0 8852644 286/286 F 315,000.00 ZZ 360 314,456.05 1 6.750 2,043.09 36 6.500 2,043.09 WASHINGTON DC 20003 2 10/24/03 00 2736268 05 12/01/03 0 2736268 N 11/01/33 0 1 8852646 286/286 F 60,000.00 ZZ 360 59,885.50 1 7.250 409.31 75 7.000 409.31 PORTALES NM 88130 5 10/17/03 00 2859310 05 12/01/03 0 2859310 N 11/01/33 0 8852648 286/286 F 178,000.00 ZZ 360 177,669.40 1 6.375 1,110.49 78 6.125 1,110.49 FAIRFAX VA 22032 5 10/15/03 00 2820971 05 12/01/03 0 2820971 O 11/01/33 0 8852650 286/286 F 69,750.00 ZZ 360 69,614.07 1 6.125 423.81 90 5.875 423.81 VIRGINIA BEACH VA 23453 1 10/15/03 11 2780363 03 12/01/03 25 2780363 N 11/01/33 0 8852652 286/286 F 385,000.00 ZZ 360 384,318.77 2 6.625 2,465.20 74 6.375 2,465.20 WHITTIER CA 90601 2 10/16/03 00 2839696 05 12/01/03 0 2839696 O 11/01/33 0 8852656 286/286 F 195,900.00 ZZ 360 195,544.84 1 6.500 1,238.23 80 6.250 1,238.23 FREDERICKSBURG VA 22407 1 10/27/03 00 2856777 05 12/01/03 0 2856777 O 11/01/33 0 8852658 286/286 F 130,000.00 ZZ 360 129,775.51 1 6.750 843.18 70 6.500 843.18 1 SCOTTSDALE AZ 85260 5 10/06/03 00 2816276 03 12/01/03 0 2816276 N 11/01/33 0 8852662 286/286 F 41,500.00 ZZ 360 41,419.36 1 7.125 279.60 82 6.875 279.60 BALTIMORE MD 21224 2 10/20/03 10 2811913 05 12/01/03 25 2811913 N 11/01/33 0 8852664 286/286 F 41,500.00 ZZ 360 41,433.42 1 7.125 279.60 82 6.875 279.60 BALTIMORE MD 21224 2 10/20/03 10 2811915 05 12/01/03 25 2811915 N 11/01/33 0 8852666 286/286 F 162,800.00 ZZ 360 162,575.18 3 7.875 1,180.42 88 7.625 1,180.42 WYANDOTTE MI 48192 1 10/29/03 10 2804168 05 12/01/03 30 2804168 N 11/01/33 0 8852668 286/286 F 123,500.00 ZZ 360 123,276.09 1 6.500 780.61 95 6.250 780.61 BREMERTON WA 98310 2 10/15/03 14 2783217 05 12/01/03 30 2783217 O 11/01/33 0 8852670 286/286 F 332,000.00 ZZ 360 331,426.69 1 6.750 2,153.35 80 6.500 2,153.35 ANAHEIM CA 92804 5 10/23/03 00 2813366 05 12/01/03 0 2813366 O 11/01/33 0 1 8852672 286/286 F 83,100.00 ZZ 360 82,908.15 1 6.500 525.25 80 6.250 525.25 MENASHA WI 54952 1 10/23/03 00 2848353 05 12/01/03 0 2848353 O 11/01/33 0 8852676 286/286 F 396,000.00 ZZ 360 395,410.38 4 7.500 2,768.89 80 7.250 2,768.89 LOS ANGELES CA 90006 1 10/08/03 00 2851065 05 12/01/03 0 2851065 O 11/01/33 0 8852678 286/286 F 44,000.00 ZZ 360 43,817.82 1 7.500 307.66 80 7.250 307.66 MIAMI FL 33169 1 09/05/03 00 2776236 01 10/01/03 0 2776236 O 09/01/33 0 8852680 286/286 F 123,900.00 ZZ 360 123,680.76 1 6.625 793.35 80 6.375 793.35 SNELLVILLE GA 30039 1 10/14/03 00 2837246 05 12/01/03 0 2837246 O 11/01/33 0 8852682 286/286 F 84,150.00 ZZ 360 83,800.54 1 6.625 538.82 90 6.375 538.82 HOUSTON TX 77037 1 10/10/03 21 2763442 05 12/01/03 25 2763442 O 11/01/33 0 8852686 286/286 F 110,700.00 ZZ 360 110,513.45 1 1 6.875 727.23 90 6.625 727.23 LAS VEGAS NV 89119 1 10/22/03 21 2838356 05 12/01/03 25 2838356 N 11/01/33 0 8852688 286/286 F 30,000.00 ZZ 360 29,954.83 2 7.500 209.77 75 7.250 209.77 CLOVIS NM 88101 5 10/16/03 00 2774059 05 12/01/03 0 2774059 N 11/01/33 0 8852690 286/286 F 136,000.00 ZZ 360 135,787.18 1 7.250 927.76 80 7.000 927.76 COLLEGE PARK MD 20740 1 10/31/03 00 2871582 05 12/01/03 0 2871582 N 11/01/33 0 8852692 286/286 F 94,350.00 T 360 93,583.99 1 6.625 604.14 80 6.375 604.14 MESA AZ 85212 1 03/24/03 00 2112442 01 05/01/03 0 2112442 O 04/01/33 0 8852694 286/286 F 216,300.00 ZZ 360 215,969.79 4 7.375 1,493.94 90 7.125 1,493.94 LAS VEGAS NV 89110 1 10/22/03 10 2838024 05 12/01/03 20 2838024 N 11/01/33 0 8852696 286/286 F 176,350.00 ZZ 360 176,045.46 1 6.750 1,143.81 80 6.500 1,143.81 CLINTON MD 20735 1 10/27/03 00 2826567 05 12/01/03 0 1 2826567 O 11/01/33 0 8852698 286/286 F 30,400.00 ZZ 360 30,314.49 2 7.750 217.79 80 7.500 217.79 EXPORT PA 15632 1 10/20/03 00 2747814 05 12/01/03 0 2747814 O 11/01/33 0 8852700 286/286 F 118,000.00 ZZ 360 117,728.97 1 7.375 815.00 80 7.125 815.00 NEENAH WI 54956 1 09/30/03 00 2817321 05 11/01/03 0 2817321 O 10/01/33 0 8852706 286/286 F 238,450.00 ZZ 360 238,038.23 1 6.750 1,546.59 70 6.500 1,546.59 AVON LAKE OH 44012 1 10/24/03 00 1762970 05 12/01/03 0 1762970 O 11/01/33 0 8852710 286/286 F 126,000.00 ZZ 360 125,765.98 1 6.375 786.08 80 6.125 786.08 CROSS LANES WV 25313 1 10/22/03 00 2849108 05 12/01/03 0 2849108 O 11/01/33 0 8852712 286/286 F 92,000.00 ZZ 360 91,841.13 1 6.750 596.71 80 6.500 596.71 ATLANTIC BEACH FL 32233 5 10/08/03 00 2856124 05 12/01/03 0 2856124 O 11/01/33 0 1 8852714 286/286 F 116,000.00 ZZ 360 115,779.28 1 6.250 714.24 80 6.000 714.24 VANCOUVER WA 98683 1 10/17/03 00 2855129 05 12/01/03 0 2855129 O 11/01/33 0 8852718 286/286 F 300,000.00 ZZ 360 299,481.95 1 6.750 1,945.80 73 6.500 1,945.80 OAKLAND CA 94607 5 10/17/03 00 2831314 05 12/01/03 0 2831314 N 11/01/33 0 8852722 286/286 F 92,400.00 ZZ 360 92,186.45 3 6.000 553.99 68 5.750 553.99 LEWISTON ME 04240 2 10/21/03 00 2385333 05 12/01/03 0 2385333 O 11/01/33 0 8852724 286/286 F 71,900.00 ZZ 360 71,769.65 1 6.500 454.46 79 6.250 454.46 SUFFOLK VA 23434 5 10/22/03 00 2844847 05 12/01/03 0 2844847 N 11/01/33 0 8852728 286/286 F 32,967.00 ZZ 360 32,916.67 1 7.375 227.70 90 7.125 227.70 KANSAS CITY MO 64132 1 10/30/03 11 2883096 05 12/01/03 25 2883096 N 11/01/33 0 8852730 286/286 F 249,300.00 ZZ 360 248,767.94 3 7.125 1,679.59 90 6.875 1,679.59 1 SOUTH EL MONTE CA 91733 1 10/20/03 12 2873173 05 12/01/03 25 2873173 N 11/01/33 0 8852732 286/286 F 211,500.00 ZZ 360 211,143.60 3 6.875 1,389.41 90 6.625 1,389.41 AURORA IL 60506 1 10/27/03 14 2840835 05 12/01/03 25 2840835 N 11/01/33 0 8852734 286/286 F 62,000.00 ZZ 360 61,892.91 1 6.750 402.14 67 6.500 402.14 CEDAR HILL TX 75104 5 10/28/03 00 2883833 05 12/01/03 0 2883833 N 11/01/33 0 8852736 286/286 F 243,750.00 ZZ 360 243,359.00 1 7.125 1,642.19 80 6.875 1,642.19 SANDY UT 84093 2 10/22/03 00 2799542 05 12/01/03 0 2799542 O 11/01/33 0 8852738 286/286 F 104,188.00 T 360 104,024.95 1 7.250 710.75 80 7.000 710.75 WESTFIELD IN 46074 1 10/30/03 00 2888477 01 12/01/03 0 2888477 O 11/01/33 0 8852744 286/286 F 211,849.00 ZZ 360 211,464.94 1 6.500 1,339.03 80 6.250 1,339.03 DOVER DE 19901 1 10/24/03 00 2776841 05 12/01/03 0 2776841 O 11/01/33 0 1 8852800 Y21/G02 F 252,000.00 ZZ 360 251,497.01 1 6.000 1,510.87 79 5.750 1,510.87 LOS ANGELES CA 91306 2 10/06/03 00 0436972103 05 12/01/03 0 203654978 O 11/01/33 0 8852836 Y21/G02 F 1,000,000.00 ZZ 360 998,004.00 1 6.000 5,995.51 69 5.750 5,995.51 PLACERVILLE CA 95667 2 10/14/03 00 0436912687 03 12/01/03 0 203821564 O 11/01/33 0 8852892 E86/G02 F 265,000.00 ZZ 360 264,259.74 2 6.375 1,653.26 78 6.125 1,653.26 SOUTH GATE CA 90280 1 09/26/03 00 0437013196 05 11/01/03 0 414158 O 10/01/33 0 8853324 E86/G02 F 264,500.00 ZZ 360 264,031.99 1 6.625 1,693.62 63 6.375 1,693.62 ROSEVILLE CA 95661 2 10/15/03 00 0437018294 05 12/01/03 0 429323 O 11/01/33 0 8853406 E86/G02 F 182,400.00 ZZ 360 182,085.04 1 6.750 1,183.04 80 6.500 1,183.04 HENDERSON NV 89015 5 10/01/03 00 0437013238 05 12/01/03 0 425467 O 11/01/33 0 8853454 E86/G02 F 107,015.00 ZZ 360 106,737.02 1 1 6.750 694.10 85 6.500 694.10 JACKSON TN 38305 1 09/30/03 04 0437017858 05 11/01/03 12 417990 O 10/01/33 0 8853534 E86/G02 F 256,500.00 ZZ 360 256,067.79 1 6.875 1,685.02 90 6.625 1,685.02 RESCUE CA 95672 1 10/20/03 11 0437011919 05 12/01/03 25 424592 O 11/01/33 0 8853858 E86/G02 F 240,000.00 ZZ 360 239,363.44 1 6.750 1,556.64 75 6.500 1,556.64 PASO ROBLES CA 93446 5 09/25/03 00 0437013188 05 11/01/03 0 421145 O 10/01/33 0 8854034 E86/G02 F 240,000.00 ZZ 360 239,376.59 1 6.750 1,556.64 80 6.500 1,556.64 BURRTON KS 67020 5 09/29/03 00 0437013212 05 11/01/03 0 418180 O 10/01/33 0 8854202 E86/G02 F 213,750.00 ZZ 360 213,407.13 1 7.125 1,440.07 75 6.875 1,440.07 HUNTINGDON VALL PA 19006 1 10/31/03 00 0437006430 05 12/01/03 0 410446 O 11/01/33 0 8855052 E86/G02 F 118,000.00 ZZ 360 117,678.25 1 6.500 745.84 42 6.250 745.84 ANTELOPE CA 95843 5 09/24/03 00 0437019490 05 11/01/03 0 1 415618 O 10/01/33 0 8855066 E86/G02 F 550,000.00 ZZ 360 548,705.11 2 7.250 3,751.91 55 7.000 3,751.91 BROOKLYN NY 11201 5 09/24/03 00 0437012784 05 11/01/03 0 398672 O 10/01/33 0 8855708 E22/G02 F 375,750.00 ZZ 360 375,384.79 1 6.125 2,283.10 75 5.875 2,283.10 FRANKLIN TWP NJ 08802 5 11/05/03 00 0418746533 05 01/01/04 0 0418746533 O 12/01/33 0 8856126 L49/G02 F 509,600.00 ZZ 360 508,676.13 1 6.500 3,221.02 80 6.250 3,221.02 IRVINE CA 92612 1 10/13/03 00 0436926455 01 12/01/03 0 10016814 O 11/01/33 0 8856848 E57/G02 F 181,000.00 ZZ 360 180,832.36 1 6.375 1,129.20 78 6.125 1,129.20 LOS ANGELES ARE CA 90044 5 11/01/03 00 0437017031 05 01/01/04 0 06019947 O 12/01/33 0 8857486 U35/G02 F 99,750.00 ZZ 360 99,661.99 2 6.625 638.71 95 6.375 638.71 FOND DU LAC WI 54935 1 11/10/03 04 0437018047 05 01/01/04 30 13965173 O 12/01/33 0 1 8857692 E86/G02 F 116,000.00 TX 360 115,652.12 1 6.375 723.69 73 6.125 723.69 CARROLLTON TX 75006 2 09/24/03 00 0437024219 05 11/01/03 0 421503 O 10/01/33 0 8858260 168/168 F 746,000.00 ZZ 360 745,309.06 1 6.375 4,654.07 47 6.125 4,654.07 SANDS POINT NY 11050 2 11/17/03 00 3580647 05 01/01/04 0 359806473 O 12/01/33 0 8858288 168/168 F 52,200.00 ZZ 360 52,159.28 3 7.250 356.10 90 7.000 356.10 SYRACUSE NY 13204 1 11/24/03 12 3767048 05 01/01/04 25 0379670488 N 12/01/33 0 8858314 168/168 F 29,250.00 ZZ 360 29,227.18 2 7.250 199.54 90 7.000 199.54 BUFFALO NY 14209 1 11/24/03 14 3775393 05 01/01/04 25 379753936 N 12/01/33 0 8858542 E86/G02 F 130,000.00 ZZ 360 129,775.51 1 6.750 843.18 73 6.500 843.18 MASTIC BEACH NY 11951 5 10/20/03 00 0437007628 05 12/01/03 0 397902 O 11/01/33 0 8864912 W40/G02 F 136,000.00 ZZ 360 135,753.45 1 6.500 859.61 91 6.250 859.61 1 MESA AZ 85215 5 10/31/03 04 0437038805 09 12/01/03 30 1055000280 O 11/01/33 0 8865536 G34/G02 F 125,000.00 ZZ 360 124,642.31 1 6.250 769.65 74 6.000 769.65 PERRIS CA 92570 5 09/05/03 00 0437042245 05 11/01/03 0 43100343 O 10/01/33 0 8865614 X60/G02 F 256,000.00 ZZ 360 255,464.16 1 5.750 1,493.95 76 5.500 1,493.95 EDMONDS WA 98026 2 10/24/03 00 0437191356 03 12/01/03 0 123107301 O 11/01/33 0 8866446 U05/G02 F 101,000.00 TX 360 100,825.61 1 6.750 655.08 75 6.500 655.08 CORPUS CHRISTI TX 78418 5 10/16/03 00 0437184831 05 12/01/03 0 3418572 O 11/01/33 0 8868910 Y72/G02 F 120,500.00 ZZ 360 120,296.94 1 6.875 791.60 78 6.625 791.60 MCCONNELSVILLE OH 43787 5 10/31/03 00 0437039977 05 12/06/03 0 10013235 O 11/06/33 0 8870096 Q87/G02 F 54,150.00 ZZ 360 54,067.34 1 7.375 374.00 95 7.125 374.00 BIRMINGHAM AL 35211 5 10/21/03 04 0437043813 05 12/01/03 30 GRLA01 O 11/01/33 0 1 8870610 E22/G02 F 90,960.00 ZZ 360 90,869.45 1 6.000 545.35 80 5.750 545.35 SOUTH BEND IN 46615 2 11/07/03 00 0419015474 05 01/01/04 0 0419015474 O 12/01/33 0 8870770 E22/G02 F 151,920.00 ZZ 360 151,775.85 1 6.250 935.40 80 6.000 935.40 OLIVE BRANCH MS 38654 1 11/13/03 00 0418885091 05 01/01/04 0 0418885091 O 12/01/33 0 8871004 E22/G02 F 191,400.00 ZZ 360 191,235.21 1 6.750 1,241.42 77 6.500 1,241.42 DARIEN IL 60561 2 11/07/03 00 0418995536 09 01/01/04 0 0418995536 O 12/01/33 0 8871200 E22/G02 F 110,000.00 ZZ 360 109,902.95 1 6.625 704.34 100 6.375 704.34 DES MOINES IA 50310 1 11/13/03 04 0418940680 05 01/01/04 35 0418940680 O 12/01/33 0 8872140 G75/G02 F 232,500.00 ZZ 360 231,910.65 2 6.875 1,527.36 75 6.625 1,527.36 RICHMOND VA 23220 5 09/23/03 00 0437003403 05 11/01/03 0 5291240 O 10/01/33 0 8872220 G75/G02 F 97,000.00 ZZ 360 96,208.93 1 1 7.250 661.72 88 7.000 661.72 DOLTON IL 60419 2 09/22/03 10 0437010135 05 11/01/03 25 5291288 O 10/01/33 0 8872234 G75/G02 F 200,000.00 ZZ 360 199,600.78 1 6.000 1,199.11 67 5.750 1,199.11 ALEXANDRIA VA 22310 5 10/02/03 00 0437003957 05 12/01/03 0 5204069 O 11/01/33 0 8872262 G75/G02 F 93,000.00 ZZ 360 92,839.40 1 6.750 603.20 65 6.500 603.20 GLEN ALLEN VA 23060 5 10/01/03 00 0437003502 05 12/01/03 0 5298054 O 11/01/33 0 8872268 G75/G02 F 250,000.00 ZZ 360 249,366.27 1 6.875 1,642.33 46 6.625 1,642.33 MOORESTOWN NJ 08057 5 09/24/03 00 0437003882 05 11/01/03 0 5298903 O 10/01/33 0 8872270 G75/G02 F 93,600.00 ZZ 360 93,460.63 4 7.500 654.47 75 7.250 654.47 XENIA OH 45385 2 10/23/03 00 0437003098 05 12/01/03 0 5310949 O 11/01/33 0 8872494 E86/G02 F 248,000.00 ZZ 360 247,582.11 1 6.875 1,629.18 80 6.625 1,629.18 BELLFLOWER CA 90706 5 10/03/03 00 0437019888 05 12/01/03 0 1 416366 O 11/01/33 0 8872506 E86/G02 F 105,600.00 ZZ 360 105,392.54 1 6.500 667.46 80 6.250 667.46 TRINIDAD CO 81082 1 10/23/03 00 0437028566 05 12/01/03 0 436532 O 11/01/33 0 8872546 E86/G02 F 128,000.00 ZZ 360 127,659.33 1 6.625 819.60 80 6.375 819.60 MINNETONKA MN 55345 1 10/03/03 00 0437009137 05 11/01/03 0 417363 O 10/01/33 0 8873226 601/G02 F 357,033.00 ZZ 360 355,345.54 1 5.125 1,944.00 80 4.875 1,944.00 PLYMOUTH MEETIN PA 19462 1 08/29/03 00 0437031313 05 10/01/03 0 8251975 O 09/01/33 0 8873268 601/G02 F 560,000.00 ZZ 360 557,473.05 2 5.375 3,135.84 68 5.125 3,135.84 SOMERVILLE MA 02144 5 09/05/03 00 0437033350 05 10/01/03 0 83124891 O 09/01/33 0 8873288 601/G02 F 650,000.00 ZZ 360 648,270.05 1 6.625 4,162.02 65 6.375 4,162.02 LEXINGTON KY 40502 1 09/19/03 00 0437019284 05 11/01/03 0 83108134 O 10/01/33 0 1 8873422 E86/G02 F 106,000.00 ZZ 360 105,798.32 1 6.250 652.66 52 6.000 652.66 KIMBERLY OR 97848 1 10/23/03 00 0437028590 05 12/01/03 0 432291 O 11/01/33 0 8874806 N74/G02 F 36,800.00 ZZ 360 36,766.73 1 6.500 232.60 75 6.250 232.60 FORT SMITH AR 72904 5 10/30/03 00 0437040173 05 01/01/04 0 0033631010 O 12/01/33 0 8875110 E22/G02 F 95,200.00 ZZ 360 95,118.03 1 6.750 617.47 80 6.500 617.47 NAPPANEE IN 46550 1 11/14/03 00 0418901997 05 01/01/04 0 0418901997 O 12/01/33 0 8875258 E22/G02 F 231,400.00 ZZ 360 231,205.60 1 6.875 1,520.13 80 6.625 1,520.13 COMMERCE TOWNSH MI 48382 1 11/14/03 00 0419003603 05 01/01/04 0 0419003603 O 12/01/33 0 8875290 G75/G02 F 234,700.00 ZZ 360 234,482.61 1 6.375 1,464.23 75 6.125 1,464.23 STAFFORD VA 22554 5 10/30/03 00 0437010655 05 01/01/04 0 5278723 O 12/01/33 0 8875306 E22/G02 F 57,600.00 ZZ 360 57,547.93 1 6.500 364.07 80 6.250 364.07 1 WHARTON TX 77488 1 11/13/03 00 0419034095 05 01/01/04 0 0419034095 O 12/01/33 0 8875492 E86/G02 F 233,100.00 ZZ 360 232,433.00 1 6.250 1,435.24 90 6.000 1,435.24 CHICAGO IL 60610 1 09/30/03 04 0437012040 06 11/01/03 25 406619 O 10/01/33 0 8875502 E82/G02 F 107,950.00 ZZ 360 107,852.41 1 6.500 682.32 85 6.250 682.32 EUGENE OR 97405 2 11/12/03 04 0400922738 05 01/01/04 12 0400922738 O 12/01/33 0 8875518 E82/G02 F 164,200.00 ZZ 360 164,055.13 1 6.625 1,051.39 77 6.375 1,051.39 GLENDALE AZ 85310 2 11/11/03 00 0400920682 05 01/01/04 0 0400920682 O 12/01/33 0 8876650 E86/G02 F 21,000.00 ZZ 360 20,967.14 1 7.250 143.26 74 7.000 143.26 LAS VEGAS NV 89119 1 10/17/03 00 0437010820 01 12/01/03 0 433631 N 11/01/33 0 8876984 E86/G02 F 187,150.00 ZZ 360 186,823.98 1 6.750 1,213.85 95 6.500 1,213.85 TIGARD OR 97223 5 10/24/03 04 0437009087 05 12/01/03 30 432917 O 11/01/33 0 1 8877726 M27/G02 F 111,200.00 ZZ 360 111,099.47 1 6.500 702.86 80 6.250 702.86 WILMINGTON NC 28403 2 11/06/03 00 0437040322 09 01/01/04 0 0100156112 O 12/01/33 0 8877814 E22/G02 F 59,200.00 TX 360 59,149.03 1 6.750 383.97 80 6.500 383.97 LUFKIN TX 75904 5 11/10/03 00 0418118709 05 01/01/04 0 0418118709 O 12/01/33 0 8878176 E22/G02 F 296,000.00 ZZ 360 295,738.85 1 6.625 1,895.32 80 6.375 1,895.32 DELAWARE TOWNSH NJ 08559 5 11/10/03 00 0418875951 05 01/01/04 0 0418875951 O 12/01/33 0 8878178 B23/G02 F 85,050.00 ZZ 360 84,980.28 1 7.000 565.84 90 6.750 565.84 BAKERSFIELD CA 93307 1 11/07/03 11 0437041494 05 01/01/04 25 90003921 O 12/01/33 0 8878232 E22/G02 F 142,880.00 ZZ 360 142,753.94 2 6.625 914.88 95 6.375 914.88 STATESVILLE NC 28677 5 11/10/03 10 0418900148 05 01/01/04 30 0418900148 O 12/01/33 0 8878334 E22/G02 F 52,000.00 TX 360 51,949.46 1 1 6.125 315.96 80 5.875 315.96 CENTER POINT TX 78010 5 11/12/03 00 0418924916 05 01/01/04 0 0418924916 O 12/01/33 0 8878444 E82/G02 F 191,700.00 ZZ 360 191,534.95 1 6.750 1,243.36 58 6.500 1,243.36 WILTON MANORS FL 33334 2 11/10/03 00 0400917803 05 01/01/04 0 0400917803 O 12/01/33 0 8878450 E22/G02 F 97,600.00 TX 360 97,515.97 1 6.750 633.03 80 6.500 633.03 FRIENDSWOOD TX 77546 5 11/12/03 00 0418966248 05 01/01/04 0 0418966248 O 12/01/33 0 8878532 E82/G02 F 119,900.00 ZZ 360 119,799.27 1 6.875 787.66 65 6.625 787.66 COUNCIL BLUFFS IA 51503 2 11/14/03 00 0400897278 05 01/01/04 0 0400897278 O 12/01/33 0 8878574 X78/G02 F 112,000.00 ZZ 360 111,905.91 1 6.875 735.76 80 6.625 735.76 DECATUR GA 30035 5 11/11/03 00 0437030042 05 01/01/04 0 990748 O 12/01/33 0 8878756 E22/G02 F 268,800.00 ZZ 360 268,544.95 1 6.250 1,655.05 60 6.000 1,655.05 ROSEVILLE CA 95661 5 11/07/03 00 0419045554 05 01/01/04 0 1 0419045554 O 12/01/33 0 8879494 G34/G02 F 113,850.00 ZZ 360 113,749.56 1 6.625 728.99 90 6.375 728.99 LAS VEGAS NV 89104 1 11/11/03 10 0437072952 05 01/01/04 25 77309224 N 12/01/33 0 8879718 W84/G02 F 112,000.00 ZZ 360 111,801.82 1 6.625 717.15 80 6.375 717.15 SALT LAKE CITY UT 84101 1 10/30/03 00 0437029119 08 12/01/03 0 40009403 N 11/01/33 0 8879816 286/286 F 163,100.00 ZZ 360 162,831.84 4 7.000 1,085.11 78 6.750 1,085.11 MESA AZ 85201 2 10/31/03 00 2900457 05 12/01/03 0 2900457 N 11/01/33 0 8879820 286/286 F 216,000.00 ZZ 360 215,617.79 1 6.625 1,383.08 80 6.375 1,383.08 REDDING CA 96003 5 10/24/03 00 2867599 05 12/01/03 0 2867599 O 11/01/33 0 8879824 286/286 F 48,000.00 ZZ 360 47,953.08 1 6.500 303.40 80 6.250 303.40 MURRAY UT 84107 1 11/07/03 00 2910309 01 01/01/04 0 2910309 O 12/01/33 0 1 8879828 286/286 F 77,000.00 T 360 76,941.41 1 7.375 531.82 70 7.125 531.82 SILVER CREEK WA 98585 5 11/01/03 00 2864504 05 01/01/04 0 2864504 O 12/01/33 0 8879830 286/286 F 337,500.00 ZZ 360 336,857.85 1 6.250 2,078.05 90 6.000 2,078.05 VALLEJO CA 94589 5 11/03/03 14 2845050 05 12/01/03 25 2845050 O 11/01/33 0 8879832 286/286 F 85,500.00 ZZ 360 85,359.41 1 7.000 568.84 90 6.750 568.84 LAS VEGAS NV 89108 1 10/28/03 11 2832097 05 12/01/03 25 2832097 N 11/01/33 0 8879842 286/286 F 348,750.00 ZZ 360 348,477.94 1 7.250 2,379.09 75 7.000 2,379.09 SACRAMENTO CA 95864 1 11/07/03 00 2903857 05 01/01/04 0 2903857 N 12/01/33 0 8879848 286/286 F 50,400.00 ZZ 360 50,361.64 2 7.375 348.11 80 7.125 348.11 INDIANAPOLIS IN 46208 2 11/07/03 00 2902856 05 01/01/04 0 2902856 N 12/01/33 0 8879854 286/286 F 189,000.00 ZZ 360 187,606.92 1 6.500 1,194.61 80 6.250 1,194.61 1 LAGRANGE IL 60525 1 04/23/03 00 2243676 05 06/01/03 0 2243676 N 05/01/33 0 8879858 286/286 F 144,000.00 ZZ 360 143,876.01 1 6.750 933.99 80 6.500 933.99 MINNEAPOLIS MN 55430 1 11/06/03 00 2915960 05 01/01/04 0 2915960 N 12/01/33 0 8879864 286/286 F 71,100.00 ZZ 360 71,040.26 3 6.875 467.08 90 6.625 467.08 NEW ORLEANS LA 70118 1 11/07/03 10 2765492 05 01/01/04 25 2765492 N 12/01/33 0 8879870 286/286 F 131,750.00 ZZ 360 131,649.74 1 7.375 909.97 85 7.125 909.97 PORT ORCHARD WA 98366 2 11/03/03 10 2747400 05 01/01/04 20 2747400 N 12/01/33 0 8879874 286/286 F 213,800.00 ZZ 360 213,430.80 3 6.750 1,386.71 79 6.500 1,386.71 SALT LAKE CITY UT 84103 2 10/28/03 00 2835635 05 12/01/03 0 2835635 O 11/01/33 0 8879880 286/286 F 255,000.00 ZZ 360 254,610.72 1 7.375 1,761.23 80 7.125 1,761.23 NORTH LAS VEGAS NV 89031 5 10/28/03 00 2867364 05 12/01/03 0 2867364 O 11/01/33 0 1 8879904 286/286 F 180,000.00 ZZ 360 178,229.91 2 6.750 1,167.48 80 6.500 1,167.48 STOCKTON CA 95210 1 02/05/03 00 2026150 05 04/01/03 0 2026150 N 03/01/33 0 8879910 286/286 F 59,400.00 ZZ 360 59,348.86 1 6.750 385.27 90 6.500 385.27 RICHMOND VA 23222 1 11/10/03 10 2876969 05 01/01/04 25 2876969 N 12/01/33 0 8879916 286/286 F 66,600.00 ZZ 360 66,542.66 1 6.750 431.97 90 6.500 431.97 RICHMOND VA 23233 1 11/04/03 11 2886587 01 01/01/04 25 2886587 N 12/01/33 0 8879924 286/286 F 68,750.00 ZZ 360 68,634.15 1 6.875 451.64 95 6.625 451.64 SPOKANE WA 99205 1 10/31/03 12 2853351 05 12/01/03 30 2853351 O 11/01/33 0 8879932 286/286 F 130,400.00 ZZ 360 130,287.72 1 6.750 845.78 80 6.500 845.78 EAGAN MN 55121 1 11/10/03 00 2915737 03 01/01/04 0 2915737 N 12/01/33 0 8879938 286/286 F 99,000.00 ZZ 360 98,922.77 1 1 7.250 675.36 90 7.000 675.36 INDPLS IN 46217 2 11/07/03 14 2838764 05 01/01/04 25 2838764 N 12/01/33 0 8879946 286/286 F 252,000.00 ZZ 360 251,615.30 4 7.375 1,740.51 90 7.125 1,740.51 REDDING CA 96003 1 11/05/03 10 2825328 05 12/01/03 25 2825328 N 11/01/33 0 8879952 286/286 F 144,000.00 ZZ 360 143,879.02 2 6.875 945.98 80 6.625 945.98 LEES SUMMIT MO 64063 2 11/06/03 00 2851460 05 01/01/04 0 2851460 N 12/01/33 0 8879966 286/286 F 156,800.00 ZZ 360 154,715.07 2 6.875 1,030.07 75 6.625 1,030.07 LEES SUMMIT MO 64063 2 11/06/03 00 2851461 05 01/01/04 0 2851461 N 12/01/33 0 8880018 286/286 F 252,000.00 ZZ 360 251,772.18 1 6.500 1,592.82 90 6.250 1,592.82 FARIBAULT MN 55021 1 11/10/03 12 2904172 05 01/01/04 25 2904172 O 12/01/33 0 8880024 286/286 F 365,000.00 ZZ 360 364,354.15 1 6.625 2,337.14 78 6.375 2,337.14 SAN JOSE CA 95131 5 10/28/03 00 2771406 03 12/01/03 0 1 2771406 O 11/01/33 0 8880026 286/286 F 68,850.00 ZZ 360 68,790.72 1 6.750 446.56 90 6.500 446.56 LAUDERDALE LAKE FL 33319 1 11/06/03 12 2862610 01 01/01/04 30 2862610 O 12/01/33 0 8880032 286/286 F 82,000.00 ZZ 360 81,847.69 1 6.375 511.58 76 6.125 511.58 COVENTRY TWP OH 44319 5 10/28/03 00 2868034 05 12/01/03 0 2868034 O 11/01/33 0 8880034 286/286 F 110,000.00 ZZ 360 109,895.63 1 6.250 677.29 71 6.000 677.29 LAKEVILLE MA 02347 5 11/05/03 00 2881845 05 01/01/04 0 2881845 O 12/01/33 0 8880038 286/286 F 152,900.00 ZZ 360 152,771.54 1 6.875 1,004.45 90 6.625 1,004.45 CULPEPER VA 22701 1 11/10/03 11 2902495 05 01/01/04 25 2902495 N 12/01/33 0 8880040 286/286 F 162,000.00 ZZ 360 161,857.06 1 6.625 1,037.30 77 6.375 1,037.30 CINCINNATI OH 45233 5 10/29/03 00 2848624 05 01/01/04 0 2848624 O 12/01/33 0 1 8880042 286/286 F 218,000.00 ZZ 360 217,807.66 1 6.625 1,395.88 95 6.375 1,395.88 GREENBELT MD 20770 1 11/06/03 11 2806718 05 01/01/04 30 2806718 O 12/01/33 0 8880044 286/286 F 103,500.00 ZZ 360 103,408.68 4 6.625 662.73 90 6.375 662.73 ALLENTOWN PA 18102 1 11/03/03 11 2804247 05 01/01/04 25 2804247 N 12/01/33 0 8880046 286/286 F 124,000.00 ZZ 360 123,887.90 1 6.500 783.77 80 6.250 783.77 KANSAS CITY MO 64112 2 11/04/03 00 2852940 05 01/01/04 0 2852940 N 12/01/33 0 8880048 286/286 F 136,000.00 ZZ 360 135,874.03 1 6.375 848.47 80 6.125 848.47 DENVER CO 80204 1 11/03/03 00 2904680 05 01/01/04 0 2904680 N 12/01/33 0 8880050 286/286 F 172,000.00 ZZ 360 171,680.53 1 6.375 1,073.06 80 6.125 1,073.06 OVERLAND PARK KS 66214 2 10/31/03 00 2901887 05 12/01/03 0 2901887 O 11/01/33 0 8880052 286/286 F 50,400.00 ZZ 360 50,356.60 1 6.750 326.90 89 6.500 326.90 1 NEWARK OH 43055 1 11/10/03 10 2886886 05 01/01/04 25 2886886 N 12/01/33 0 8880056 286/286 F 259,200.00 ZZ 360 258,982.24 3 6.875 1,702.76 90 6.625 1,702.76 NEW BEDFORD MA 02745 1 11/03/03 10 2858082 05 01/01/04 30 2858082 N 12/01/33 0 8880058 286/286 F 208,000.00 ZZ 360 207,802.63 1 6.250 1,280.70 80 6.000 1,280.70 WALLKILL NY 12589 1 11/05/03 00 2772856 05 01/01/04 0 2772856 O 12/01/33 0 8880062 286/286 F 47,700.00 ZZ 360 47,656.88 1 6.500 301.50 90 6.250 301.50 SAN ANTONIO TX 78216 1 11/05/03 11 2870630 05 01/01/04 25 2870630 N 12/01/33 0 8880064 286/286 F 102,000.00 ZZ 360 101,828.12 1 6.875 670.07 75 6.625 670.07 LAKE ELSINORE CA 92530 5 10/23/03 00 2804575 05 12/01/03 0 2804575 N 11/01/33 0 8880066 286/286 F 102,000.00 ZZ 360 101,828.12 1 6.875 670.07 75 6.625 670.07 LAKE ELSINORE CA 92530 5 10/23/03 00 2804583 05 12/01/03 0 2804583 N 11/01/33 0 1 8880070 286/286 F 128,300.00 ZZ 360 128,152.83 1 5.250 708.48 80 5.000 708.48 COLUMBUS OH 43240 1 11/07/03 00 2549186 05 01/01/04 0 2549186 O 12/01/33 0 8880072 286/286 F 368,000.00 ZZ 360 367,659.15 1 6.375 2,295.85 76 6.125 2,295.85 TUSTIN CA 92780 5 10/29/03 00 2875788 05 01/01/04 0 2875788 O 12/01/33 0 8880074 286/286 F 73,055.00 ZZ 360 72,996.57 1 7.125 492.19 95 6.875 492.19 HURLEY NM 88043 1 11/06/03 11 2906243 05 01/01/04 30 2906243 O 12/01/33 0 8880080 286/286 F 249,600.00 ZZ 360 249,168.99 1 6.750 1,618.90 80 6.500 1,618.90 BRANDYWINE MD 20613 5 10/14/03 00 2813254 05 12/01/03 0 2813254 O 11/01/33 0 8880082 286/286 F 67,600.00 ZZ 360 67,471.00 1 7.250 461.16 80 7.000 461.16 MONTGOMERY TX 77356 1 10/28/03 00 2812883 05 12/01/03 0 2812883 N 11/01/33 0 8880084 286/286 F 131,390.00 ZZ 360 131,163.12 1 1 6.750 852.19 90 6.500 852.19 HYPOLUXO FL 33462 1 10/31/03 10 2913125 01 12/01/03 30 2913125 O 11/01/33 0 8880088 286/286 F 201,000.00 ZZ 360 200,818.29 1 6.500 1,270.46 73 6.250 1,270.46 MINDEN NV 89423 1 11/03/03 00 2879776 05 01/01/04 0 2879776 O 12/01/33 0 8880090 286/286 F 172,000.00 ZZ 360 171,848.24 1 6.625 1,101.34 80 6.375 1,101.34 UPLAND CA 91786 1 11/04/03 00 2878749 01 01/01/04 0 2878749 O 12/01/33 0 8880094 286/286 F 60,450.00 ZZ 360 60,397.95 1 6.750 392.08 90 6.500 392.08 VIRGINIA BEACH VA 23452 1 11/04/03 11 2892290 05 01/01/04 25 2892290 N 12/01/33 0 8880100 286/286 F 238,100.00 ZZ 360 237,899.96 1 6.875 1,564.15 63 6.625 1,564.15 TUCSON AZ 85750 5 11/05/03 00 2897739 03 01/01/04 0 2897739 O 12/01/33 0 8880106 286/286 F 134,000.00 ZZ 360 133,751.12 1 6.375 835.99 79 6.125 835.99 HORSECAVE KY 42749 5 10/28/03 00 2848307 05 12/01/03 0 1 2848307 O 11/01/33 0 8880110 286/286 F 376,000.00 ZZ 360 375,684.11 1 6.875 2,470.06 80 6.625 2,470.06 COSTA MESA CA 92627 1 11/04/03 00 2829970 05 01/01/04 0 2829970 N 12/01/33 0 8880112 286/286 F 52,000.00 ZZ 360 51,959.43 1 7.250 354.74 80 7.000 354.74 RADCLIFF KY 40160 1 11/10/03 00 2918855 05 01/01/04 0 2918855 N 12/01/33 0 8880114 286/286 F 109,600.00 ZZ 360 109,428.48 1 7.250 747.67 80 7.000 747.67 SPRING GROVE IL 60081 1 11/04/03 00 2857554 05 12/01/03 0 2857554 N 11/01/33 0 8880116 286/286 F 129,000.00 ZZ 360 128,899.37 2 7.250 880.01 72 7.000 880.01 AVON LAKE OH 44012 2 11/11/03 00 2915323 05 01/01/04 0 2915323 N 12/01/33 0 8880118 286/286 F 130,250.00 ZZ 360 130,107.43 1 5.500 739.55 80 5.250 739.55 COLUMBUS OH 43240 1 11/10/03 00 2629453 01 01/01/04 0 2629453 O 12/01/33 0 1 8880120 286/286 F 33,750.00 ZZ 360 33,697.18 1 7.250 230.23 75 7.000 230.23 PORTALES NM 88130 5 10/30/03 00 2883942 05 12/01/03 0 2883942 N 11/01/33 0 8880122 286/286 F 130,900.00 ZZ 360 130,679.43 2 6.875 859.92 87 6.625 859.92 MESQUITE TX 75150 2 11/04/03 14 2893222 05 12/01/03 12 2893222 N 11/01/33 0 8880124 286/286 F 139,000.00 ZZ 360 138,719.66 1 6.875 913.14 80 6.625 913.14 TIJERAS NM 87059 5 10/30/03 00 2781913 05 12/01/03 0 2781913 O 11/01/33 0 8880128 286/286 F 104,500.00 ZZ 360 104,319.54 4 6.750 677.79 95 6.500 677.79 EL PASO TX 79924 1 10/28/03 10 2852016 05 12/01/03 35 2852016 O 11/01/33 0 8880138 286/286 F 623,000.00 ZZ 360 621,950.20 1 6.875 4,092.67 68 6.625 4,092.67 WINCHESTER VA 22602 5 10/22/03 00 2817168 05 12/01/03 0 2817168 O 11/01/33 0 8880140 286/286 F 56,000.00 ZZ 360 55,949.37 1 6.500 353.96 80 6.250 353.96 1 FREDERICK MD 21702 1 11/07/03 00 2891202 05 01/01/04 0 2891202 N 12/01/33 0 8880142 286/286 F 150,000.00 ZZ 360 149,747.23 1 6.875 985.40 75 6.625 985.40 KANSAS CITY MO 64134 2 10/30/03 00 2801460 05 12/01/03 0 2801460 O 11/01/33 0 8880146 286/286 F 92,800.00 ZZ 360 92,627.62 1 6.375 578.96 80 6.125 578.96 PHOENIX AZ 85053 5 10/24/03 00 2845287 05 12/01/03 0 2845287 N 11/01/33 0 8880148 286/286 F 101,100.00 ZZ 360 101,004.06 1 6.250 622.50 80 6.000 622.50 BLUE SPRINGS MO 64015 1 11/10/03 00 2880415 05 01/01/04 0 2880415 O 12/01/33 0 8880154 286/286 F 116,000.00 ZZ 360 115,884.52 1 6.000 695.48 80 5.750 695.48 LEHIGH ACRES FL 33971 5 11/10/03 00 2849820 05 01/01/04 0 2849820 N 12/01/33 0 8880160 286/286 F 95,000.00 ZZ 360 94,835.58 1 6.750 616.17 95 6.500 616.17 KANSAS CITY MO 64110 5 10/30/03 14 2885725 05 12/01/03 30 2885725 O 11/01/33 0 1 8880166 286/286 F 124,500.00 ZZ 360 124,305.17 2 7.250 849.31 75 7.000 849.31 WILLIAMSTON MI 48895 2 10/20/03 00 2859702 05 12/01/03 0 2859702 O 11/01/33 0 8880206 286/286 F 109,500.00 ZZ 360 109,408.00 1 6.875 719.34 80 6.625 719.34 HOPEDALE IL 61747 1 11/04/03 00 2869422 05 01/01/04 0 2869422 O 12/01/33 0 8880208 286/286 F 327,700.00 ZZ 360 327,417.85 1 6.750 2,125.46 95 6.500 2,125.46 MIAMI FL 33185 1 11/10/03 21 2890974 05 01/01/04 30 2890974 O 12/01/33 0 8880210 286/286 F 142,404.00 ZZ 360 142,181.15 1 7.250 971.45 95 7.000 971.45 PHOENIX AZ 85006 1 10/29/03 10 2886021 05 12/01/03 30 2886021 O 11/01/33 0 8880212 286/286 F 79,000.00 ZZ 360 78,928.58 1 6.500 499.34 80 6.250 499.34 ALBUQUERQUE NM 87108 5 11/03/03 00 2891082 05 01/01/04 0 2891082 O 12/01/33 0 8880218 286/286 F 395,000.00 ZZ 360 394,317.90 1 1 6.750 2,561.97 75 6.500 2,561.97 BELMAR NJ 07719 5 10/31/03 00 2754268 05 12/01/03 0 2754268 N 11/01/33 0 8880220 286/286 F 222,800.00 ZZ 360 222,365.79 2 6.125 1,353.76 57 5.875 1,353.76 SANTA FE NM 87505 2 10/29/03 00 2865455 05 12/01/03 0 2865455 O 11/01/33 0 8880222 286/286 F 37,800.00 ZZ 360 37,769.01 1 7.000 251.49 90 6.750 251.49 BLOOMINGTON IL 61701 1 11/04/03 04 2821072 05 01/01/04 25 2821072 N 12/01/33 0 8880224 286/286 F 100,000.00 ZZ 360 99,660.87 1 7.375 690.68 80 7.125 690.68 ORLANDO FL 32839 1 10/27/03 00 2878130 05 12/01/03 0 2878130 N 11/01/33 0 8880226 286/286 F 70,000.00 ZZ 360 69,936.72 1 6.500 442.45 40 6.250 442.45 WILMINGTON NC 28411 5 11/10/03 00 2868255 05 01/01/04 0 2868255 N 12/01/33 0 8880228 286/286 F 213,500.00 ZZ 360 213,324.99 2 7.000 1,420.43 70 6.750 1,420.43 WEARE NH 03281 1 11/06/03 00 2805004 05 01/01/04 0 1 2805004 N 12/01/33 0 8880230 286/286 F 205,100.00 ZZ 360 204,690.62 1 6.000 1,229.68 55 5.750 1,229.68 LENOX MA 01240 2 10/29/03 00 2826619 05 12/01/03 0 2826619 O 11/01/33 0 8880232 286/286 F 136,000.00 ZZ 360 135,899.06 1 7.500 950.94 80 7.250 950.94 KNOXVILLE TN 37922 1 11/07/03 00 2865329 05 01/01/04 0 2865329 N 12/01/33 0 8880236 286/286 F 160,000.00 ZZ 360 159,671.47 1 6.750 1,037.76 80 6.500 1,037.76 TUCSON AZ 85745 5 10/27/03 00 2895054 05 12/01/03 0 2895054 O 11/01/33 0 8880238 286/286 F 97,850.00 ZZ 360 97,767.79 1 6.875 642.81 95 6.625 642.81 DALLAS TX 75240 1 11/11/03 14 2918359 05 01/01/04 30 2918359 O 12/01/33 0 8880240 286/286 F 137,200.00 ZZ 360 136,957.23 1 6.625 878.51 90 6.375 878.51 COLUMBUS OH 43202 1 11/04/03 10 2863237 05 12/01/03 25 2863237 N 11/01/33 0 1 8880248 286/286 F 228,800.00 ZZ 360 228,621.51 4 7.250 1,560.82 80 7.000 1,560.82 WASHINGTON DC 20011 1 11/06/03 00 2856937 05 01/01/04 0 2856937 N 12/01/33 0 8880250 286/286 F 241,000.00 ZZ 360 240,573.57 3 6.625 1,543.15 71 6.375 1,543.15 BRIDGEPORT CT 06605 1 11/04/03 00 2842389 05 12/01/03 0 2842389 N 11/01/33 0 8880252 286/286 F 234,000.00 ZZ 360 233,798.53 1 6.750 1,517.72 90 6.500 1,517.72 LAUDERHILL FL 33319 1 11/10/03 21 2895190 05 01/01/04 25 2895190 O 12/01/33 0 8880254 286/286 F 165,950.00 ZZ 360 165,626.59 1 6.125 1,008.33 60 5.875 1,008.33 JAMAICA NY 11432 2 10/24/03 00 2848607 05 12/01/03 0 2848607 O 11/01/33 0 8880258 286/286 F 252,000.00 ZZ 360 251,777.67 1 6.625 1,613.58 80 6.375 1,613.58 PARADISE PA 17562 5 11/04/03 00 2859079 05 01/01/04 0 2859079 O 12/01/33 0 8880260 286/286 F 156,000.00 ZZ 360 155,855.51 1 6.375 973.24 63 6.125 973.24 1 ROCHESTER NH 03868 2 10/31/03 00 2827497 05 01/01/04 0 2827497 O 12/01/33 0 8880262 286/286 F 67,500.00 ZZ 360 67,443.29 1 6.875 443.43 75 6.625 443.43 JENSEN BEACH FL 34957 5 11/10/03 00 2885043 05 01/01/04 0 2885043 N 12/01/33 0 8880264 286/286 F 48,600.00 ZZ 360 48,563.93 1 7.500 339.82 90 7.250 339.82 NORFOLK VA 23502 1 11/04/03 10 2860766 05 01/01/04 30 2860766 N 12/01/33 0 8880266 S27/G02 F 91,000.00 ZZ 360 90,923.54 1 6.875 597.81 80 6.625 597.81 PALM COAST FL 32137 1 11/14/03 00 0437025497 05 01/01/04 0 1090000852 N 12/01/33 0 8880268 286/286 F 64,350.00 ZZ 360 64,302.24 1 7.500 449.95 90 7.250 449.95 UPPER MARLBORO MD 20774 1 11/10/03 11 2791334 01 01/01/04 25 2791334 N 12/01/33 0 8880272 286/286 F 133,600.00 ZZ 360 133,487.76 1 6.875 877.66 80 6.625 877.66 NORTH CANTON OH 44720 1 11/04/03 00 2823957 05 01/01/04 0 2823957 O 12/01/33 0 1 8880276 286/286 F 40,800.00 ZZ 360 40,761.28 2 6.250 251.22 80 6.000 251.22 SWANTON OH 43558 1 11/07/03 00 2587130 05 01/01/04 0 2587130 N 12/01/33 0 8880280 286/286 F 57,600.00 ZZ 360 57,514.23 2 7.500 402.75 90 7.250 402.75 MILWAUKEE WI 53216 1 10/31/03 11 2883211 05 12/01/03 25 2883211 N 11/01/33 0 8880282 286/286 F 59,300.00 ZZ 360 59,211.72 2 7.500 414.63 90 7.250 414.63 MILWAKEE WI 53216 1 10/31/03 10 2883235 05 12/01/03 30 2883235 N 11/01/33 0 8880284 286/286 F 90,000.00 ZZ 360 89,916.64 1 6.375 561.49 47 6.125 561.49 PROVIDENCE RI 02907 5 11/03/03 00 2830533 05 01/01/04 0 2830533 N 12/01/33 0 8880286 286/286 F 175,000.00 ZZ 360 174,849.33 1 6.750 1,135.05 70 6.500 1,135.05 NOVI MI 48377 5 10/31/03 00 2826970 05 01/01/04 0 2826970 O 12/01/33 0 8880288 286/286 F 167,400.00 ZZ 360 167,138.05 3 1 7.250 1,141.96 90 7.000 1,141.96 HARTFORD CT 06106 1 10/24/03 21 2856034 05 12/01/03 25 2856034 N 11/01/33 0 8880290 286/286 F 200,000.00 ZZ 360 199,800.89 1 6.000 1,199.11 47 5.750 1,199.11 DALLAS TX 75287 1 11/06/03 00 2892083 05 01/01/04 0 2892083 O 12/01/33 0 8880292 286/286 F 130,000.00 ZZ 360 129,879.59 1 6.375 811.04 71 6.125 811.04 HOUSTON TX 77079 2 11/05/03 00 2864410 05 01/01/04 0 2864410 O 12/01/33 0 8880294 286/286 F 326,340.00 ZZ 360 325,776.46 1 6.750 2,116.64 90 6.500 2,116.64 BALDWIN PARK CA 91706 1 10/28/03 11 2895843 05 12/01/03 25 2895843 O 11/01/33 0 8880296 286/286 F 158,400.00 ZZ 360 158,276.43 1 7.250 1,080.57 90 7.000 1,080.57 PEMBROKE PINES FL 33024 1 11/07/03 10 2817293 05 01/01/04 30 2817293 O 12/01/33 0 8880300 286/286 F 127,920.00 ZZ 360 127,801.52 2 6.375 798.06 80 6.125 798.06 WEST WARWICK RI 02893 1 11/04/03 00 2869303 05 01/01/04 0 1 2869303 N 12/01/33 0 8880302 286/286 F 41,600.00 ZZ 360 41,525.33 2 6.500 262.95 80 6.250 262.95 EHRHARDT SC 29081 1 11/07/03 00 2857842 05 01/01/04 0 2857842 N 12/01/33 0 8880326 286/286 F 53,000.00 ZZ 360 52,958.65 1 7.250 361.56 90 7.000 361.56 DAYTON OH 45406 2 11/06/03 11 2857467 05 01/01/04 25 2857467 N 12/01/33 0 8880332 286/286 F 123,200.00 ZZ 360 123,103.88 1 7.250 840.45 80 7.000 840.45 BURBANK IL 60459 1 11/06/03 00 2881296 05 01/01/04 0 2881296 N 12/01/33 0 8880334 286/286 F 189,000.00 ZZ 360 188,837.27 1 6.750 1,225.86 75 6.500 1,225.86 DORCHESTER MA 02122 5 11/04/03 00 2885659 05 01/01/04 0 2885659 O 12/01/33 0 8880808 G52/G02 F 86,850.00 ZZ 360 86,782.25 3 7.250 592.47 90 7.000 592.47 ST LOUIS MO 63118 1 11/14/03 10 0437041619 05 01/01/04 25 7600001149 N 12/01/33 0 1 8880986 T23/G02 F 185,000.00 ZZ 360 184,656.39 1 6.375 1,154.16 78 6.125 1,154.16 HEBRON OH 43025 5 11/17/03 00 0437029796 05 12/21/03 0 7042 O 11/21/33 0 8881232 601/G02 F 423,900.00 ZZ 360 422,657.67 1 6.125 2,575.66 80 5.875 2,575.66 DULUTH GA 30097 1 09/26/03 00 0437019094 03 11/01/03 0 83304600 O 10/01/33 0 8881420 E22/G02 F 99,900.00 ZZ 360 99,811.86 1 6.625 639.67 90 6.375 639.67 GARLAND TX 75040 1 11/18/03 04 0419090378 05 01/01/04 25 0419090378 N 12/01/33 0 8881424 E22/G02 F 94,500.00 ZZ 360 94,431.60 2 7.625 668.87 90 7.375 668.87 LOUISVILLE KY 40213 1 11/18/03 01 0419095575 05 01/01/04 25 0419095575 N 12/01/33 0 8881440 E22/G02 F 120,000.00 ZZ 360 119,886.14 1 6.250 738.86 80 6.000 738.86 GREENACRES FL 33415 1 11/18/03 00 0417507530 09 01/01/04 0 0417507530 O 12/01/33 0 8881496 E22/G02 F 116,000.00 ZZ 360 115,904.92 1 7.000 771.75 56 6.750 771.75 1 BRYSON CITY NC 28713 5 11/13/03 00 0418520482 05 01/01/04 0 0418520482 O 12/01/33 0 8881500 E22/G02 F 169,500.00 TX 360 169,357.60 1 6.875 1,113.49 77 6.625 1,113.49 BUDA TX 78610 5 11/12/03 00 0418538898 03 01/01/04 0 0418538898 O 12/01/33 0 8881528 E22/G02 F 90,000.00 ZZ 360 89,936.48 1 7.750 644.77 75 7.500 644.77 PALM COAST FL 32137 5 11/18/03 00 0418748349 03 01/01/04 0 0418748349 N 12/01/33 0 8881616 E22/G02 F 205,000.00 ZZ 360 204,807.78 1 6.875 1,346.70 90 6.625 1,346.70 COTTONDALE AL 35453 1 11/18/03 04 0418892055 05 01/01/04 25 0418892055 O 12/01/33 0 8881662 E22/G02 F 144,000.00 ZZ 360 143,869.82 1 6.500 910.18 90 6.250 910.18 GLENDALE AZ 85310 5 11/06/03 11 0418935987 03 01/01/04 25 0418935987 O 12/01/33 0 8881674 E22/G02 F 297,600.00 ZZ 360 297,303.74 1 6.000 1,784.26 80 5.750 1,784.26 LA HABRA CA 90631 1 11/04/03 00 0418947792 05 01/01/04 0 0418947792 O 12/01/33 0 1 8881738 E22/G02 F 139,500.00 ZZ 360 139,376.93 4 6.625 893.23 90 6.375 893.23 DURHAM NC 27701 1 11/18/03 01 0419007505 05 01/01/04 25 0419007505 O 12/01/33 0 8881768 E22/G02 F 147,500.00 ZZ 360 147,360.05 1 6.250 908.18 89 6.000 908.18 ABSECON NJ 08201 5 11/13/03 01 0419029467 05 01/01/04 25 0419029467 O 12/01/33 0 8881778 E22/G02 F 171,000.00 ZZ 360 170,849.13 1 6.625 1,094.93 90 6.375 1,094.93 WINSLOW TWP. NJ 08081 1 11/18/03 01 0419042858 05 01/01/04 25 0419042858 O 12/01/33 0 8881800 E22/G02 F 139,650.00 ZZ 360 139,520.66 1 6.375 871.23 95 6.125 871.23 ANTIOCH TN 37013 5 11/12/03 01 0419077821 05 01/01/04 30 0419077821 O 12/01/33 0 8882268 U85/G02 F 105,600.00 ZZ 360 105,519.65 1 7.375 729.35 80 7.125 729.35 CUDAHY WI 53110 5 11/12/03 00 0437040827 05 01/01/04 0 PCHRIST O 12/01/33 0 8882360 U35/G02 F 96,075.00 ZZ 360 96,000.05 3 1 7.250 655.40 90 7.000 655.40 SIOUX CITY IA 51106 1 11/14/03 04 0437040645 05 01/01/04 25 14022213 N 12/01/33 0 8882486 H76/G02 F 227,000.00 ZZ 360 226,809.29 1 6.875 1,491.23 80 6.625 1,491.23 PORTSMOUTH RI 02871 5 11/14/03 00 0437039944 05 01/01/04 0 2003519949 O 12/01/33 0 8882492 R84/G02 F 183,600.00 ZZ 360 183,441.92 1 6.750 1,190.83 80 6.500 1,190.83 UNIVERSITY PLAC WA 98466 1 11/03/03 00 0437019474 05 01/01/04 0 WA310049 O 12/01/33 0 8882902 Q01/G02 F 90,250.00 ZZ 360 90,183.02 1 7.500 631.04 95 7.250 631.04 CHICAGO IL 60628 2 11/14/03 12 0437079593 05 01/01/04 30 189756 O 12/01/33 0 8883226 N74/G02 F 124,000.00 ZZ 360 123,791.06 1 6.875 814.59 80 6.625 814.59 FRONT ROYAL VA 22630 5 10/31/03 00 0437042344 05 12/05/03 0 0033675010 O 11/05/33 0 8888448 P09/G02 F 194,000.00 ZZ 360 193,815.93 1 6.250 1,194.49 75 6.000 1,194.49 NORTH WALES PA 19454 5 11/14/03 00 0437029994 09 01/01/04 0 1 03100022 O 12/01/33 0 8888852 P59/G02 F 300,000.00 ZZ 360 299,401.21 1 6.000 1,798.65 76 5.750 1,798.65 PASO ROBLES CA 93446 1 10/06/03 00 0437029366 05 12/01/03 0 AT006504 O 11/01/33 0 8888978 E22/G02 F 200,000.00 TX 360 199,810.24 1 6.250 1,231.43 63 6.000 1,231.43 KATY TX 77450 5 11/14/03 00 0418953824 03 01/01/04 0 0418953824 O 12/01/33 0 8889018 E22/G02 F 105,600.00 ZZ 360 105,494.87 1 6.000 633.13 80 5.750 633.13 SCOTTSDALE AZ 85250 1 11/13/03 00 0418986089 01 01/01/04 0 0418986089 O 12/01/33 0 8889030 E22/G02 F 180,000.00 ZZ 360 179,820.81 1 6.000 1,079.19 79 5.750 1,079.19 JOHNSTOWN CO 80534 2 11/14/03 00 0418996195 03 01/01/04 0 0418996195 O 12/01/33 0 8889056 E22/G02 F 105,000.00 ZZ 360 104,892.95 1 5.875 621.11 58 5.625 621.11 CLINTON MD 20735 2 11/14/03 00 0419012422 05 01/01/04 0 0419012422 O 12/01/33 0 1 8889090 E22/G02 F 55,000.00 ZZ 360 54,952.65 1 6.750 356.73 83 6.500 356.73 COMMISKEY IN 47227 5 11/14/03 01 0419033261 05 01/01/04 12 0419033261 O 12/01/33 0 8889204 E22/G02 F 190,750.00 ZZ 360 190,577.56 1 6.500 1,205.67 95 6.250 1,205.67 DEWITT MI 48820 1 11/19/03 01 0419120910 05 01/01/04 30 0419120910 O 12/01/33 0 8889236 E22/G02 F 91,500.00 TX 360 91,438.61 4 8.000 671.39 46 7.750 671.39 HOUSTON TX 77018 5 11/13/03 00 0418563813 05 01/01/04 0 0418563813 N 12/01/33 0 8889256 E22/G02 F 91,500.00 TX 360 91,438.61 4 8.000 671.39 46 7.750 671.39 HOUSTON TX 77018 5 11/13/03 00 0418613493 05 01/01/04 0 0418613493 N 12/01/33 0 8889306 E22/G02 F 110,000.00 ZZ 360 109,893.09 1 6.125 668.37 79 5.875 668.37 SILVERDALE WA 98383 2 11/14/03 00 0418727624 07 01/01/04 0 0418727624 N 12/01/33 0 8889328 E22/G02 F 107,000.00 ZZ 360 106,896.01 1 6.125 650.14 85 5.875 650.14 1 ROCK SPRINGS WY 82901 2 11/14/03 01 0418770897 05 01/01/04 12 0418770897 O 12/01/33 0 8889412 E22/G02 F 196,000.00 ZZ 360 195,814.02 1 6.250 1,206.81 80 6.000 1,206.81 MOUNTLAKE TERRA WA 98043 2 11/11/03 00 0418897450 05 01/01/04 0 0418897450 O 12/01/33 0 8889496 U85/G02 F 180,000.00 ZZ 360 179,833.28 1 6.375 1,122.97 72 6.125 1,122.97 MILWAUKEE WI 53208 5 11/14/03 00 0437038219 05 01/01/04 0 TQS332 O 12/01/33 0 8889816 K15/G02 F 129,600.00 ZZ 360 129,482.84 1 6.500 819.16 80 6.250 819.16 LACONIA NH 03246 5 11/21/03 00 0437037195 05 01/01/04 0 033605524015 O 12/01/33 0 8889856 K15/G02 F 103,700.00 ZZ 360 103,601.60 1 6.250 638.50 59 6.000 638.50 NORTH PROVIDENC RI 02904 5 11/05/03 00 0437040199 05 01/01/04 0 029805513709 O 12/01/33 0 8889912 K15/G02 F 99,000.00 ZZ 360 98,916.83 1 6.875 650.36 45 6.625 650.36 ST. JOSEPH MI 49085 5 11/11/03 00 0437033541 05 01/01/04 0 035905522120 O 12/01/33 0 1 8889928 N74/G02 F 128,250.00 ZZ 360 128,005.98 1 6.250 789.66 95 6.000 789.66 ORANGEBURG SC 29118 5 11/05/03 10 0437046196 05 12/10/03 30 0033708010 O 11/10/33 0 8889990 U05/G02 F 94,500.00 ZZ 360 94,344.63 3 7.000 628.71 90 6.750 628.71 POCATELLO ID 83204 1 10/31/03 14 0437037674 05 12/01/03 30 3433892 N 11/01/33 0 8890066 K15/G02 F 98,300.00 ZZ 360 98,164.26 1 7.875 712.74 92 7.625 712.74 LAKE CITY SC 29560 5 10/21/03 41 0437044571 05 12/01/03 30 017305521846 O 11/01/33 0 8890080 K15/G02 F 104,700.00 ZZ 360 104,603.03 1 6.375 653.19 80 6.125 653.19 PHOENIX AZ 85031 5 11/06/03 00 0437038458 05 01/01/04 0 021705514826 O 12/01/33 0 8890192 R80/G02 F 184,000.00 ZZ 360 183,833.66 1 6.500 1,163.01 80 6.250 1,163.01 PHOENIX AZ 85042 1 11/12/03 00 0437039621 03 01/01/04 0 31091A O 12/01/33 0 8890334 E82/G02 F 121,700.00 ZZ 360 121,589.98 1 1 6.500 769.23 48 6.250 769.23 MATTHEWS NC 28104 2 11/19/03 00 0400921086 05 01/01/04 0 0400921086 N 12/01/33 0 8890352 X67/G02 F 265,743.00 ZZ 360 265,508.54 1 6.625 1,701.58 80 6.375 1,701.58 MENIFEE CA 92584 1 11/10/03 00 0437039654 05 01/01/04 0 0000424946 O 12/01/33 0 8890358 E82/G02 F 317,500.00 ZZ 360 317,226.64 2 6.750 2,059.30 83 6.500 2,059.30 BELLROSE NY 11426 2 11/17/03 04 0400919536 05 01/01/04 12 0400919536 O 12/01/33 0 8890388 144/144 F 189,000.00 ZZ 360 188,829.14 1 6.500 1,194.61 78 6.250 1,194.61 SAUGERTIES NY 12477 5 11/12/03 00 160744789000000 05 01/01/04 0 160744789 O 12/01/33 0 8890486 144/144 F 250,000.00 ZZ 360 249,511.81 1 6.125 1,519.03 38 5.875 1,519.03 QUOGUE NY 11959 2 10/08/03 00 160686188000000 05 12/01/03 0 1 O 11/01/33 0 8891368 U35/G02 F 58,400.00 ZZ 360 58,348.48 2 6.625 373.94 80 6.375 373.94 INDIANAPOLIS IN 46201 1 11/18/03 00 0437199458 05 01/01/04 0 1 14067288 N 12/01/33 0 8891570 420/G02 F 195,000.00 ZZ 360 193,422.08 1 6.250 1,200.65 73 6.000 1,200.65 REDDING CA 96003 1 10/16/03 00 0437043375 05 12/01/03 0 73005208 O 11/01/33 0 8891620 168/168 F 360,000.00 ZZ 360 359,502.87 2 7.875 2,610.25 82 7.625 2,610.25 S OZONE PARK NY 11420 5 10/24/03 14 3753898 05 12/01/03 12 0379538989 O 11/01/33 0 8891634 Y69/G02 F 88,800.00 ZZ 360 88,329.61 1 6.000 532.40 80 5.750 532.40 GARLAND TX 75044 1 10/20/03 00 0437042005 05 12/01/03 0 6033640 N 11/01/33 0 8891636 Y69/G02 F 184,000.00 ZZ 360 183,674.43 1 6.625 1,178.17 79 6.375 1,178.17 ROSEVILLE CA 95678 5 10/13/03 00 0437041643 05 12/01/03 0 6033543 O 11/01/33 0 8891638 Y69/G02 F 214,000.00 ZZ 360 213,619.58 1 6.625 1,370.27 80 6.375 1,370.27 PENN VALLEY CA 95946 5 10/03/03 00 0437041718 03 12/01/03 0 6033434 O 11/01/33 0 1 8891648 Y69/G02 F 280,000.00 ZZ 360 279,463.73 1 6.250 1,724.01 76 6.000 1,724.01 FAIRFIELD CA 94534 5 10/10/03 00 0437038599 05 12/01/03 0 6033452 O 11/01/33 0 8891650 Y69/G02 F 90,000.00 ZZ 360 89,832.85 1 6.375 561.48 57 6.125 561.48 JACKSONVILLE FL 32257 2 10/10/03 00 0437041734 05 12/01/03 0 6032808 O 11/01/33 0 8891664 Y69/G02 F 85,000.00 ZZ 360 84,853.22 1 6.750 551.31 57 6.500 551.31 MONTGOMERY VILL MD 20886 5 10/27/03 00 0437041197 07 12/01/03 0 6034768 O 11/01/33 0 8891678 Y69/G02 F 180,000.00 ZZ 360 179,632.06 1 5.875 1,064.77 65 5.625 1,064.77 HARTSEL CO 80449 5 10/20/03 00 0437045586 05 12/01/03 0 6034241 O 11/01/33 0 8891680 Y69/G02 F 110,000.00 ZZ 360 109,900.56 1 6.500 695.27 80 6.250 695.27 RICE TX 75155 1 11/04/03 00 0437038755 05 01/01/04 0 6034345 O 12/01/33 0 8891686 Y69/G02 F 261,750.00 ZZ 360 261,251.99 1 6.250 1,611.64 75 6.000 1,611.64 1 FOLSOM CA 95630 5 10/13/03 00 0437046402 05 12/01/03 0 6034407 O 11/01/33 0 8891715 E23/G02 F 224,000.00 ZZ 360 223,603.65 1 6.625 1,434.30 80 6.375 1,434.30 OREM UT 84097 2 10/15/03 00 0437043136 05 12/01/03 0 42002418 O 11/01/33 0 8891786 T29/G02 F 195,000.00 ZZ 360 194,814.97 1 6.250 1,200.65 70 6.000 1,200.65 OVERGAARD AZ 85933 5 11/10/03 00 0437051998 03 01/01/04 0 1594137 O 12/01/33 0 8891792 642/G02 F 91,200.00 ZZ 360 91,119.54 1 6.625 583.96 80 6.375 583.96 MINNEAPOLIS MN 55430 1 11/12/03 00 0437045008 05 01/01/04 0 08212803 N 12/01/33 0 8892016 K60/G02 F 91,200.00 TX 360 91,115.53 1 6.375 568.97 80 6.125 568.97 SPRING TX 77388 2 11/10/03 00 0437069552 05 01/01/04 0 1068592 O 12/01/33 0 8892052 K15/G02 F 255,000.00 ZZ 360 254,559.66 1 6.750 1,653.93 85 6.500 1,653.93 ROSEDALE NY 11422 5 10/24/03 41 0437041031 05 12/01/03 12 011205523643 O 11/01/33 0 1 8892058 K15/G02 F 148,000.00 ZZ 360 147,718.41 1 6.250 911.26 88 6.000 911.26 GREENWOOD IN 46143 2 10/23/03 41 0437042872 05 12/01/03 25 027605513416 O 11/01/33 0 8892316 E22/G02 F 113,695.00 ZZ 360 113,587.12 1 6.250 700.04 100 6.000 700.04 HOUSTON TX 77058 1 11/20/03 04 0418826087 09 01/01/04 35 0418826087 O 12/01/33 0 8892340 E22/G02 F 195,000.00 ZZ 360 194,832.11 1 6.750 1,264.77 80 6.500 1,264.77 TWIN FALLS ID 83301 5 11/07/03 00 0418906202 05 01/01/04 0 0418906202 O 12/01/33 0 8892392 E22/G02 F 181,520.00 ZZ 360 181,351.88 1 6.375 1,132.45 80 6.125 1,132.45 FRISCO TX 75034 1 11/20/03 00 0419005418 03 01/01/04 0 0419005418 O 12/01/33 0 8892416 E22/G02 F 100,800.00 ZZ 360 100,708.88 1 6.500 637.12 80 6.250 637.12 CLEVELAND HEIGH OH 44118 1 11/20/03 00 0419014543 05 01/01/04 0 0419014543 N 12/01/33 0 8892450 E22/G02 F 121,500.00 ZZ 360 121,361.19 1 1 6.750 788.05 90 6.500 788.05 GRAND RAPIDS MI 49508 1 11/20/03 01 0419045737 05 01/01/04 25 0419045737 O 12/01/33 0 8892452 E22/G02 F 135,200.00 ZZ 360 135,077.77 1 6.500 854.56 80 6.250 854.56 LAS VEGAS NV 89130 1 11/17/03 00 0419049226 05 01/01/04 0 0419049226 O 12/01/33 0 8892504 E22/G02 F 124,000.00 ZZ 360 123,887.91 1 6.500 783.76 80 6.250 783.76 CHEHALIS WA 98532 5 11/12/03 00 0418668802 05 01/01/04 0 0418668802 O 12/01/33 0 8892524 E22/G02 F 106,380.00 ZZ 360 106,286.15 2 6.625 681.16 90 6.375 681.16 SAINT LOUIS MO 63110 1 11/20/03 04 0418952123 05 01/01/04 25 0418952123 N 12/01/33 0 8892546 E22/G02 F 85,000.00 ZZ 360 84,919.35 1 6.250 523.36 42 6.000 523.36 BIGFORK MT 59911 1 11/20/03 00 0419096904 05 01/01/04 0 0419096904 O 12/01/33 0 8892568 E22/G02 F 109,125.00 ZZ 360 109,013.74 1 5.875 645.52 75 5.625 645.52 CLEARWATER FL 33755 1 11/20/03 00 0419121603 05 01/01/04 0 1 0419121603 N 12/01/33 0 8892572 E22/G02 F 40,000.00 ZZ 360 39,965.56 1 6.750 259.44 48 6.500 259.44 KENNEWICK WA 99336 2 11/17/03 00 0419126677 05 01/01/04 0 0419126677 N 12/01/33 0 8892692 E82/G02 F 193,600.00 ZZ 360 193,433.31 1 6.750 1,255.69 63 6.500 1,255.69 LAKE OSWEGO OR 97035 2 11/18/03 00 0400913950 05 01/01/04 0 0400913950 O 12/01/33 0 8892742 E82/G02 F 110,000.00 ZZ 360 109,902.95 1 6.625 704.34 80 6.375 704.34 OMAHA NE 68164 5 11/19/03 00 0400912788 05 01/01/04 0 0400912788 O 12/01/33 0 8892901 U66/G02 F 128,000.00 ZZ 360 127,884.28 1 6.500 809.05 80 6.250 809.05 DICKINSON TX 77539 1 11/14/03 00 0437041163 05 01/01/04 0 853 O 12/01/33 0 8893285 E23/G02 F 260,000.00 ZZ 360 259,517.10 1 6.375 1,622.06 73 6.125 1,622.06 SAN DIEGO CA 92173 1 10/06/03 00 0437040249 05 12/01/03 0 11023729 O 11/01/33 0 1 8893293 E23/G02 F 271,950.00 ZZ 360 271,480.40 1 6.750 1,763.86 80 6.500 1,763.86 TEMECULA CA 92592 5 10/20/03 00 0437035926 05 12/01/03 0 51038162 O 11/01/33 0 8893313 X31/G02 F 150,000.00 ZZ 360 149,867.65 1 6.625 960.47 62 6.375 960.47 POMONA CA 91768 5 11/07/03 00 0437159585 05 01/01/04 0 11002034 O 12/01/33 0 8893338 X81/G02 F 184,800.00 ZZ 360 184,644.75 1 6.875 1,214.00 80 6.625 1,214.00 MINNEAPOLIS MN 55407 5 11/12/03 00 0437229222 05 01/01/04 0 9901651478 O 12/01/33 0 8893631 E23/G02 F 102,500.00 ZZ 360 102,304.98 1 6.250 631.11 69 6.000 631.11 WILLITS CA 95490 5 10/29/03 00 0437037963 05 12/01/03 0 62010315 O 11/01/33 0 8893775 E23/G02 F 261,600.00 ZZ 360 261,159.18 1 6.875 1,718.53 80 6.625 1,718.53 SAN DIEGO CA 92114 5 10/27/03 00 0437038227 05 12/01/03 0 61014159 O 11/01/33 0 8893917 967/G02 F 100,000.00 ZZ 360 99,913.90 1 6.750 648.60 80 6.500 648.60 1 MAGNA UT 84044 1 11/13/03 00 0437111248 05 01/01/04 0 10115020 N 12/01/33 0 8893919 967/G02 F 102,400.00 ZZ 360 102,311.84 1 6.750 664.16 80 6.500 664.16 WEST VALLEY CIT UT 84128 1 11/13/03 00 0437103559 05 01/01/04 0 10114551 N 12/01/33 0 8893921 967/G02 F 100,000.00 ZZ 360 99,913.90 1 6.750 648.60 80 6.500 648.60 MAGNA UT 84044 1 11/12/03 00 0437103013 05 01/01/04 0 10114635 N 12/01/33 0 8893923 967/G02 F 104,000.00 ZZ 360 103,910.46 1 6.750 674.54 80 6.500 674.54 SALT LAKE CITY UT 84118 1 11/13/03 00 0437108020 05 01/01/04 0 10114486 N 12/01/33 0 8894561 E23/G02 F 266,000.00 ZZ 360 265,753.64 1 6.375 1,659.49 78 6.125 1,659.49 TEMECULA CA 92592 5 11/04/03 00 0437057771 03 01/01/04 0 51038603 O 12/01/33 0 8894968 G27/G02 F 193,500.00 ZZ 360 193,333.40 1 6.750 1,255.04 90 6.500 1,255.04 LOS ANGELES CA 90018 1 11/07/03 11 0437036312 05 01/01/04 25 29003131 O 12/01/33 0 1 8894970 U05/G02 F 304,000.00 ZZ 360 303,731.78 1 6.625 1,946.55 95 6.375 1,946.55 MODESTO CA 95350 1 11/07/03 10 0437044944 05 01/01/04 30 3430624 O 12/01/33 0 8895014 952/G02 F 110,000.00 ZZ 360 109,900.56 1 6.500 695.27 67 6.250 695.27 LITTLE FERRY NJ 07643 1 11/07/03 00 0437037658 01 01/01/04 0 03003982 O 12/01/33 0 8895025 X31/G02 F 239,000.00 ZZ 360 238,783.94 1 6.500 1,510.64 80 6.250 1,510.64 LAS VEGAS NV 89134 5 11/19/03 00 0437192289 05 01/01/04 0 1244531 O 12/01/33 0 8895031 X31/G02 F 148,500.00 ZZ 360 148,375.24 1 6.875 975.54 79 6.625 975.54 DALLAS OR 97338 5 11/24/03 00 0437066756 05 01/01/04 0 1207218 O 12/01/33 0 8895166 F89/G02 F 112,000.00 ZZ 360 111,905.91 1 6.875 735.76 80 6.625 735.76 LANCASTER CA 93535 5 11/12/03 00 0437041478 05 01/01/04 0 36908 N 12/01/33 0 8895206 P59/G02 F 224,400.00 ZZ 360 223,817.13 1 1 6.750 1,455.45 88 6.500 1,455.45 SANTA MARIA CA 93454 1 09/24/03 01 0437044050 05 11/01/03 30 008097 O 10/01/33 0 8895210 G34/G02 F 160,000.00 ZZ 360 159,855.36 1 6.500 1,011.31 89 6.250 1,011.31 LAS VEGAS NV 89142 1 11/18/03 01 0437053150 05 01/01/04 25 77308270 O 12/01/33 0 8895220 W84/G02 F 248,000.00 ZZ 360 247,786.48 1 6.750 1,608.52 80 6.500 1,608.52 HIGHLAND UT 84003 2 11/04/03 00 0437039795 05 01/01/04 0 10076702 O 12/01/33 0 8896579 E23/G02 F 473,600.00 ZZ 360 473,150.63 1 6.250 2,916.04 80 6.000 2,916.04 VACAVILLE CA 95688 5 11/21/03 00 0437102320 05 01/01/04 0 62011400 O 12/01/33 0 8896859 E23/G02 F 256,000.00 ZZ 360 255,795.28 1 7.125 1,724.72 80 6.875 1,724.72 RIVERSIDE CA 92504 5 11/19/03 00 0437212574 05 01/01/04 0 51038596 O 12/01/33 0 8896865 E23/G02 F 264,000.00 ZZ 360 263,761.34 1 6.500 1,668.66 75 6.250 1,668.66 HAWTHORNE CA 90250 5 11/10/03 00 0437077704 05 01/01/04 0 1 51037991 O 12/01/33 0 8896896 E22/G02 F 85,500.00 ZZ 360 85,442.63 1 8.000 627.37 95 7.750 627.37 LEXINGTON KY 40509 5 11/17/03 01 0418878930 05 01/01/04 30 0418878930 O 12/01/33 0 8896898 E22/G02 F 432,000.00 ZZ 360 431,590.10 1 6.250 2,659.90 69 6.000 2,659.90 BROADVIEW HEIGH OH 44147 2 11/17/03 00 0418880688 05 01/01/04 0 0418880688 O 12/01/33 0 8896904 E22/G02 F 208,000.00 ZZ 360 207,811.97 1 6.500 1,314.70 67 6.250 1,314.70 MELBOURNE FL 32940 2 11/17/03 00 0418885943 05 01/01/04 0 0418885943 O 12/01/33 0 8896920 E22/G02 F 195,400.00 ZZ 360 195,235.84 1 6.875 1,283.64 94 6.625 1,283.64 TAYLOR TX 76574 2 11/17/03 01 0418896536 05 01/01/04 35 0418896536 O 12/01/33 0 8896936 E22/G02 F 43,875.00 ZZ 360 43,836.29 1 6.625 280.94 75 6.375 280.94 PUEBLO CO 81004 2 11/21/03 00 0418906897 05 01/01/04 0 0418906897 N 12/01/33 0 1 8897007 E23/G02 F 140,000.00 ZZ 360 139,876.48 1 6.625 896.44 95 6.375 896.44 COMPTON CA 90222 5 11/17/03 04 0437090707 05 01/01/04 30 51038565 O 12/01/33 0 8897024 E22/G02 F 256,000.00 ZZ 360 255,738.99 1 5.875 1,514.34 63 5.625 1,514.34 OXNARD CA 93035 5 11/14/03 00 0418511291 05 01/01/04 0 0418511291 O 12/01/33 0 8897046 E22/G02 F 90,368.00 ZZ 360 90,288.27 1 6.625 578.64 90 6.375 578.64 RIVERVIEW FL 33569 1 11/21/03 04 0418648176 09 01/01/04 25 0418648176 N 12/01/33 0 8897082 E22/G02 F 87,300.00 ZZ 360 87,228.44 1 7.000 580.81 90 6.750 580.81 MT VERNON IL 62864 5 11/17/03 01 0418745477 05 01/01/04 25 0418745477 O 12/01/33 0 8897130 E22/G02 F 94,950.00 ZZ 360 94,881.28 4 7.625 672.05 90 7.375 672.05 CLEVELAND OH 44102 1 11/21/03 01 0418839254 05 01/01/04 25 0418839254 N 12/01/33 0 8897184 E22/G02 F 254,000.00 ZZ 360 253,764.75 1 6.375 1,584.63 77 6.125 1,584.63 1 CLIFTON NJ 07011 2 11/17/03 00 0418965596 05 01/01/04 0 0418965596 O 12/01/33 0 8897220 E22/G02 F 88,947.00 TX 360 88,866.59 1 6.500 562.21 30 6.250 562.21 CEDAR HILL TX 75104 5 11/17/03 00 0418989786 05 01/01/04 0 0418989786 O 12/01/33 0 8897228 E22/G02 F 84,500.00 ZZ 240 84,332.80 1 6.750 642.51 94 6.500 642.51 MOORE OK 73160 2 11/17/03 01 0418993259 05 01/01/04 30 0418993259 O 12/01/23 0 8897234 E22/G02 F 276,250.00 ZZ 360 276,006.27 1 6.625 1,768.86 85 6.375 1,768.86 HENDERSON NV 89074 5 11/14/03 04 0418996781 03 01/01/04 12 0418996781 O 12/01/33 0 8897248 E22/G02 F 147,900.00 ZZ 360 147,766.30 3 6.500 934.83 80 6.250 934.83 WEST PALM BEACH FL 33401 5 11/17/03 00 0418998951 05 01/01/04 0 0418998951 O 12/01/33 0 8897252 E22/G02 F 119,000.00 ZZ 360 118,895.01 2 6.625 761.97 75 6.375 761.97 RICHLAND WA 99352 2 11/07/03 00 0419002837 05 01/01/04 0 0419002837 O 12/01/33 0 1 8897294 E22/G02 F 128,800.00 TX 360 128,691.80 1 6.875 846.12 80 6.625 846.12 LA PORTE TX 77571 5 11/17/03 00 0419028873 03 01/01/04 0 0419028873 O 12/01/33 0 8897306 E22/G02 F 56,950.00 ZZ 360 56,904.46 1 7.125 383.68 85 6.875 383.68 KANSAS CITY KS 66102 2 11/21/03 01 0419044839 05 01/01/04 20 0419044839 N 12/01/33 0 8897314 E22/G02 F 220,000.00 ZZ 360 219,775.70 1 5.875 1,301.38 80 5.625 1,301.38 LOVELAND CO 80538 1 11/21/03 00 0419048228 05 01/01/04 0 0419048228 O 12/01/33 0 8897364 E22/G02 F 119,920.00 T 360 119,811.59 1 6.500 757.98 80 6.250 757.98 BURLESON TX 76028 1 11/19/03 00 0419092747 05 01/01/04 0 0419092747 O 12/01/33 0 8897497 E23/G02 F 135,500.00 ZZ 360 135,374.50 1 6.375 845.34 52 6.125 845.34 HACIENDA HEIGHT CA 91745 2 11/17/03 00 0437109440 05 01/01/04 0 51036624 N 12/01/33 0 8897952 E82/G02 F 127,300.00 ZZ 360 127,184.92 1 1 6.500 804.62 77 6.250 804.62 GALLANT AL 35972 2 11/20/03 00 0400921292 05 01/01/04 0 0400921292 O 12/01/33 0 8898018 E82/G02 F 230,000.00 ZZ 360 229,829.31 1 7.500 1,608.19 42 7.250 1,608.19 ARLINGTON VA 22205 5 11/20/03 00 0400921417 05 01/01/04 0 0400921417 N 12/01/33 0 8898490 X78/G02 F 186,400.00 ZZ 360 186,227.36 1 6.375 1,162.89 40 6.125 1,162.89 SILVER CREEK GA 30173 2 11/19/03 00 0437042658 05 01/01/04 0 990746 O 12/01/33 0 8898671 967/G02 F 129,600.00 ZZ 360 129,600.00 3 7.000 862.23 90 6.750 862.23 MOUNT ANGEL OR 97362 1 12/04/03 11 0437217235 05 02/01/04 25 10108793 N 01/01/34 0 8898879 967/G02 F 129,600.00 ZZ 360 129,600.00 3 7.000 862.23 90 6.750 862.23 MOUNT ANGEL OR 97362 1 12/04/03 11 0437217243 05 02/01/04 25 10108827 N 01/01/34 0 8898967 E23/G02 F 187,500.00 ZZ 360 187,330.50 1 6.500 1,185.13 61 6.250 1,185.13 DIAMOND BAR CA 91765 5 11/21/03 00 0437211469 01 01/01/04 0 1 51037252 O 12/01/33 0 8899141 R68/G02 F 186,000.00 ZZ 360 186,000.00 1 6.625 1,190.98 80 6.375 1,190.98 DAVIE FL 33328 1 12/31/03 00 0437239700 03 02/01/04 0 8660571 O 01/01/34 0 8899173 H22/G02 F 508,000.00 ZZ 360 508,000.00 2 6.125 3,086.66 80 5.875 3,086.66 WOODSIDE NY 11377 1 12/18/03 00 0437243041 05 02/01/04 0 0308016 O 01/01/34 0 8899177 E23/G02 F 111,600.00 T 360 111,494.11 1 6.250 687.14 80 6.000 687.14 BROOKINGS OR 97415 1 11/25/03 00 0437211535 05 01/01/04 0 61014564 O 12/01/33 0 8899236 W35/G02 F 25,000.00 ZZ 360 24,955.76 1 6.625 160.08 48 6.375 160.08 MUNCIE IN 47302 5 11/04/03 00 0437040959 05 12/10/03 0 26635 O 11/10/33 0 8900067 E23/G02 F 252,000.00 ZZ 360 252,000.00 3 6.500 1,592.81 90 6.250 1,592.81 LOS ANGELES CA 90062 1 12/09/03 04 0437232218 05 02/01/04 25 91000164 N 01/01/34 0 1 8900073 E23/G02 F 333,000.00 ZZ 360 332,698.96 4 6.500 2,104.79 90 6.250 2,104.79 LYNWOOD CA 90262 5 11/24/03 04 0437227358 05 01/01/04 25 11025112 O 12/01/33 0 8900286 P27/G02 F 185,000.00 ZZ 360 184,844.58 1 6.875 1,215.32 50 6.625 1,215.32 SAN DIEGO CA 92117 5 11/17/03 00 0437068018 05 01/01/04 0 2105221426 O 12/01/33 0 8900770 N47/G02 F 497,500.00 ZZ 360 496,992.78 1 5.875 2,942.90 78 5.625 2,942.90 SAN FRANCISCO CA 94131 2 11/12/03 00 0437075542 05 01/01/04 0 20512015 O 12/01/33 0 8901087 X31/G02 F 274,000.00 ZZ 360 274,000.00 1 6.250 1,687.07 69 6.000 1,687.07 COSTA MESA CA 92627 5 12/17/03 00 0437243967 05 02/01/04 0 1257092 O 01/01/34 0 8901130 E22/G02 F 148,000.00 ZZ 360 147,866.21 1 6.500 935.46 80 6.250 935.46 SANDY UT 84094 2 11/19/03 00 0419145107 05 01/01/04 0 0419145107 O 12/01/33 0 8901136 E22/G02 F 261,000.00 ZZ 360 260,780.73 4 6.875 1,714.58 90 6.625 1,714.58 1 FORT LAUDERDALE FL 33312 1 11/24/03 04 0419169743 05 01/01/04 25 0419169743 N 12/01/33 0 8901144 E22/G02 F 261,000.00 ZZ 360 260,780.73 4 6.875 1,714.58 90 6.625 1,714.58 FORT LAUDERDALE FL 33312 1 11/24/03 01 0419182845 05 01/01/04 25 0419182845 N 12/01/33 0 8901201 E23/G02 F 422,000.00 ZZ 360 422,000.00 1 6.000 2,530.10 71 5.750 2,530.10 SAN JOSE CA 95136 1 12/22/03 00 0437241003 05 02/01/04 0 8678107 O 01/01/34 0 8901202 E22/G02 F 95,000.00 ZZ 240 94,800.41 1 6.250 694.38 95 6.000 694.38 FRANKLINTON LA 70438 5 11/18/03 01 0418552626 05 01/01/04 30 0418552626 O 12/01/23 0 8901232 E22/G02 F 112,875.00 ZZ 360 112,772.96 1 6.500 713.45 75 6.250 713.45 BAKERSFIELD CA 93306 5 11/14/03 00 0418639894 05 01/01/04 0 0418639894 O 12/01/33 0 8901238 E22/G02 F 99,200.00 ZZ 360 99,114.59 1 6.750 643.41 80 6.500 643.41 PUEBLO CO 81004 5 11/24/03 00 0418666541 05 01/01/04 0 0418666541 N 12/01/33 0 1 8901275 E23/G02 F 320,000.00 ZZ 360 320,000.00 1 6.375 1,996.38 80 6.125 1,996.38 OAKLAND CA 94609 5 12/24/03 00 0437242928 05 02/01/04 0 61014566 O 01/01/34 0 8901300 E22/G02 F 137,600.00 ZZ 360 137,481.53 1 6.750 892.47 80 6.500 892.47 ROCHESTER HILLS MI 48307 2 11/18/03 00 0418990537 05 01/01/04 0 0418990537 O 12/01/33 0 8901304 E22/G02 F 245,000.00 ZZ 240 244,485.27 1 6.250 1,790.77 61 6.000 1,790.77 BRIDGEWATER TOW NJ 08807 5 11/19/03 00 0418994125 05 01/01/04 0 0418994125 O 12/01/23 0 8901338 E22/G02 F 202,000.00 ZZ 360 201,798.91 2 6.000 1,211.09 65 5.750 1,211.09 INGLEWOOD CA 90301 2 11/18/03 00 0418996211 05 01/01/04 0 0418996211 O 12/01/33 0 8901452 E22/G02 F 159,200.00 TX 360 159,048.95 1 6.250 980.22 80 6.000 980.22 HUMBLE TX 77346 5 11/14/03 00 0419004577 03 01/01/04 0 0419004577 O 12/01/33 0 8901482 E22/G02 F 156,500.00 ZZ 360 156,358.52 1 1 6.500 989.19 95 6.250 989.19 TAYLORS SC 29687 5 11/19/03 10 0419015862 05 01/01/04 30 0419015862 O 12/01/33 0 8901502 E22/G02 F 214,200.00 ZZ 360 213,996.75 1 6.250 1,318.87 70 6.000 1,318.87 LOS BANOS CA 93635 5 11/17/03 00 0419037775 05 01/01/04 0 0419037775 O 12/01/33 0 8901504 E22/G02 F 540,000.00 ZZ 360 539,462.43 1 6.000 3,237.57 70 5.750 3,237.57 SUNNYVALE CA 94087 2 11/06/03 00 0419038294 05 01/01/04 0 0419038294 O 12/01/33 0 8901506 E22/G02 F 461,000.00 ZZ 360 460,541.07 1 6.000 2,763.93 63 5.750 2,763.93 DANVILLE CA 94526 1 11/19/03 00 0419038666 05 01/01/04 0 0419038666 O 12/01/33 0 8901510 E22/G02 F 215,000.00 ZZ 360 214,791.04 1 6.125 1,306.36 78 5.875 1,306.36 SPOKANE WA 99208 5 11/17/03 00 0419039482 05 01/01/04 0 0419039482 O 12/01/33 0 8901520 E22/G02 F 125,100.00 ZZ 360 124,994.90 1 6.875 821.82 90 6.625 821.82 DETROIT MI 48219 5 11/19/03 04 0419045232 05 01/01/04 25 1 0419045232 O 12/01/33 0 8901566 E22/G02 F 146,000.00 ZZ 360 145,861.47 1 6.250 898.95 92 6.000 898.95 SAINT PETERS MO 63376 5 11/19/03 04 0419051701 03 01/01/04 30 0419051701 O 12/01/33 0 8901598 E22/G02 F 165,750.00 ZZ 360 165,585.00 1 6.000 993.75 85 5.750 993.75 PEMBERTON TOWNS NJ 08068 5 11/18/03 01 0419071592 05 01/01/04 12 0419071592 O 12/01/33 0 8901630 E22/G02 F 240,000.00 ZZ 360 239,783.04 1 6.500 1,516.96 75 6.250 1,516.96 ELIZABETH NJ 07208 5 11/19/03 00 0419104013 05 01/01/04 0 0419104013 O 12/01/33 0 8901632 E22/G02 F 95,000.00 ZZ 360 94,907.67 1 6.125 577.23 57 5.875 577.23 JEFFERSON GA 30549 1 11/24/03 00 0419105317 03 01/01/04 0 0419105317 O 12/01/33 0 8901646 E22/G02 F 179,900.00 ZZ 360 179,745.11 1 6.750 1,166.83 90 6.500 1,166.83 MIAMI FL 33185 1 11/24/03 11 0419118856 05 01/01/04 25 0419118856 O 12/01/33 0 1 8901652 E22/G02 F 209,000.00 ZZ 360 208,815.60 1 6.625 1,338.25 37 6.375 1,338.25 NORTH CALDWELL NJ 07006 5 11/18/03 00 0419122247 05 01/01/04 0 0419122247 O 12/01/33 0 8901654 E22/G02 F 216,000.00 ZZ 360 215,814.03 1 6.750 1,400.97 80 6.500 1,400.97 BELL CA 90201 5 11/13/03 00 0419122577 05 01/01/04 0 0419122577 O 12/01/33 0 8901722 E22/G02 F 118,750.00 ZZ 360 118,652.90 1 7.375 820.18 95 7.125 820.18 PALISADE CO 81526 5 11/18/03 01 0418838587 05 01/01/04 30 0418838587 O 12/01/33 0 8901776 E22/G02 F 128,000.00 TX 360 127,887.07 1 6.625 819.60 80 6.375 819.60 AUSTIN TX 78749 5 11/19/03 00 0418873550 05 01/01/04 0 0418873550 O 12/01/33 0 8901782 E22/G02 F 130,500.00 ZZ 360 130,400.70 1 7.375 901.33 94 7.125 901.33 ELKHART IN 46514 5 11/18/03 04 0418880506 03 01/01/04 30 0418880506 O 12/01/33 0 8901800 E22/G02 F 97,230.00 ZZ 360 97,146.29 2 6.750 630.63 70 6.500 630.63 1 WALLA WALLA WA 99362 1 11/12/03 00 0418891735 05 01/01/04 0 0418891735 N 12/01/33 0 8901802 E22/G02 F 91,900.00 ZZ 360 91,814.88 1 6.375 573.34 69 6.125 573.34 TAHUYA WA 98588 5 11/12/03 00 0418892402 03 01/01/04 0 0418892402 O 12/01/33 0 8901824 E22/G02 F 92,800.00 ZZ 360 92,718.12 1 6.625 594.21 80 6.375 594.21 SPRINGFIELD OR 97477 5 11/14/03 00 0418914156 05 01/01/04 0 0418914156 O 12/01/33 0 8901850 E22/G02 F 207,000.00 ZZ 360 206,803.59 1 6.250 1,274.53 90 6.000 1,274.53 FILLMORE CA 93015 1 11/14/03 11 0418933404 05 01/01/04 25 0418933404 O 12/01/33 0 8901874 E22/G02 F 225,000.00 ZZ 360 224,801.49 1 6.625 1,440.70 85 6.375 1,440.70 LAKEWOOD NJ 08701 5 11/19/03 04 0418958278 05 01/01/04 12 0418958278 O 12/01/33 0 8901886 E22/G02 F 568,000.00 ZZ 360 567,458.33 1 6.250 3,497.27 80 6.000 3,497.27 WALNUT CREEK CA 94595 1 11/04/03 00 0418964821 05 01/01/04 0 0418964821 O 12/01/33 0 1 8901890 E22/G02 F 126,000.00 ZZ 360 125,894.15 1 6.875 827.73 95 6.625 827.73 GRAND JUNCTION CO 81504 5 11/19/03 01 0418966180 03 01/01/04 30 0418966180 O 12/01/33 0 8901906 E22/G02 F 98,000.00 TX 360 97,909.24 1 6.375 611.39 80 6.125 611.39 SAN ANTONIO TX 78251 5 11/14/03 00 0418975207 03 01/01/04 0 0418975207 O 12/01/33 0 8901916 E22/G02 F 121,500.00 ZZ 360 121,397.92 1 6.875 798.17 90 6.625 798.17 WEST PALM BEACH FL 33413 5 11/18/03 04 0418977781 05 01/01/04 25 0418977781 O 12/01/33 0 8901970 E22/G02 F 116,375.00 ZZ 360 116,279.60 1 7.000 774.25 95 6.750 774.25 OMAHA NE 68134 2 11/18/03 04 0418767877 05 01/01/04 30 0418767877 O 12/01/33 0 8902020 F89/G02 F 139,500.00 ZZ 360 139,379.90 1 6.750 904.79 90 6.500 904.79 FONTANA CA 92335 1 11/17/03 11 0437048978 05 01/01/04 25 11137644 N 12/01/33 0 8902080 E82/G02 F 79,200.00 ZZ 360 79,141.22 1 1 7.500 553.78 78 7.250 553.78 TAMPA FL 33604 2 11/25/03 00 0400903639 05 01/01/04 0 0400903639 N 12/01/33 0 8902102 E82/G02 F 97,000.00 ZZ 360 96,916.49 1 6.750 629.14 55 6.500 629.14 NORTH LAS VEGAS NV 89030 2 11/19/03 00 0400905014 05 01/01/04 0 0400905014 O 12/01/33 0 8902160 E82/G02 F 94,000.00 ZZ 360 93,921.03 1 6.875 617.51 80 6.625 617.51 CHARLOTTE MI 48813 5 11/21/03 00 0400917357 05 01/01/04 0 0400917357 O 12/01/33 0 8902287 E23/G02 F 352,000.00 ZZ 360 352,000.00 1 6.125 2,138.79 80 5.875 2,138.79 WESTMINSTER CA 92683 5 12/16/03 00 0437265200 05 02/01/04 0 51039191 O 01/01/34 0 8902288 253/253 F 104,000.00 ZZ 360 103,908.24 1 6.625 665.93 80 6.375 665.93 INDIANAPOLIS IN 46268 1 11/18/03 00 497709 05 01/01/04 0 497709 O 12/01/33 0 8902290 H49/G02 F 29,100.00 ZZ 360 29,073.70 1 6.500 183.93 80 6.250 183.93 POLO IL 61064 1 11/12/03 00 0437041288 05 01/01/04 0 1 53717861 O 12/01/33 0 8902293 E23/G02 F 114,950.00 ZZ 360 114,950.00 1 6.250 707.77 80 6.000 707.77 ANCHORAGE AK 99507 2 12/19/03 00 0437260664 05 02/01/04 0 42002812 N 01/01/34 0 8902368 G27/G02 F 133,600.00 ZZ 360 133,476.26 1 6.375 833.49 80 6.125 833.49 FONTANA CA 92335 5 11/13/03 00 0437051154 05 01/01/04 0 30103047 O 12/01/33 0 8902372 253/253 F 190,803.00 ZZ 360 190,634.65 1 6.625 1,221.74 80 6.375 1,221.74 WESTFIELD IN 46074 1 11/19/03 00 483514 03 01/01/04 0 483514 O 12/01/33 0 8902448 H58/G02 F 100,500.00 ZZ 360 100,423.53 1 7.375 694.13 75 7.125 694.13 SACRAMENTO CA 95826 1 11/14/03 00 0437059041 01 01/01/04 0 0000201656 N 12/01/33 0 8902610 U85/G02 F 199,000.00 ZZ 360 198,820.10 2 6.500 1,257.82 59 6.250 1,257.82 SHOREWOOD WI 53211 2 11/21/03 00 0437054513 05 01/01/04 0 TQS528 O 12/01/33 0 1 8902624 N74/G02 F 87,500.00 ZZ 360 87,420.90 1 6.500 553.06 63 6.250 553.06 VIRGINIA BEACH VA 23462 5 11/14/03 00 0437051899 05 01/01/04 0 0033732010 O 12/01/33 0 8903170 696/G02 F 154,850.00 ZZ 360 154,699.50 1 6.125 940.88 95 5.875 940.88 ARLINGTON VA 22201 1 11/21/03 12 0437040595 08 01/01/04 30 40103457 O 12/01/33 0 8903527 X31/G02 F 176,000.00 ZZ 360 176,000.00 1 6.750 1,141.53 80 6.500 1,141.53 CORONA CA 92879 1 12/22/03 00 0437265861 05 02/01/04 0 80003085 N 01/01/34 0 8903838 E85/G02 F 305,000.00 ZZ 360 304,689.04 1 5.875 1,804.19 62 5.625 1,804.19 NOVATO CA 94945 2 11/10/03 00 0437045446 05 01/01/04 0 1007521 O 12/01/33 0 8903844 E85/G02 F 260,000.00 ZZ 360 259,753.31 1 6.250 1,600.86 63 6.000 1,600.86 BERKELEY CA 94703 5 11/14/03 00 0437045164 05 01/01/04 0 1007775 O 12/01/33 0 8903846 E85/G02 F 260,000.00 ZZ 360 259,753.31 1 6.250 1,600.86 64 6.000 1,600.86 1 BERKELEY CA 94703 5 11/14/03 00 0437045362 05 01/01/04 0 1007774 O 12/01/33 0 8903936 E22/G02 F 220,000.00 T 360 219,815.18 1 6.875 1,445.24 79 6.625 1,445.24 PALERMO ME 04354 5 11/25/03 00 0418477626 05 01/01/04 0 0418477626 O 12/01/33 0 8903942 E22/G02 F 321,600.00 ZZ 360 321,287.42 1 6.125 1,954.08 80 5.875 1,954.08 SANTA ROSA CA 95401 1 11/19/03 00 0418552527 05 01/01/04 0 0418552527 O 12/01/33 0 8903952 E22/G02 F 95,400.00 ZZ 360 95,325.58 1 7.250 650.80 90 7.000 650.80 SAGINAW MI 48609 1 11/25/03 04 0418607966 05 01/01/04 25 0418607966 N 12/01/33 0 8903956 E22/G02 F 96,000.00 TX 360 95,913.21 1 6.500 606.79 74 6.250 606.79 PLANO TX 75023 5 11/20/03 00 0418631305 05 01/01/04 0 0418631305 O 12/01/33 0 8903958 E22/G02 F 148,230.00 ZZ 360 148,108.50 4 7.000 986.18 90 6.750 986.18 WYOMING MI 49509 1 11/26/03 01 0418641296 05 01/01/04 25 0418641296 N 12/01/33 0 1 8904058 E22/G02 F 107,000.00 ZZ 360 106,912.30 1 7.000 711.87 87 6.750 711.87 ATHENS AL 35613 5 11/20/03 04 0418843504 05 01/01/04 25 0418843504 O 12/01/33 0 8904070 E22/G02 F 188,800.00 ZZ 360 188,616.50 1 6.125 1,147.17 80 5.875 1,147.17 VERNON CT 06066 5 11/20/03 00 0418862884 05 01/01/04 0 0418862884 O 12/01/33 0 8904072 E22/G02 F 93,000.00 ZZ 360 92,919.93 1 6.750 603.20 75 6.500 603.20 HOLLISTER MO 65672 2 11/25/03 00 0418866000 05 01/01/04 0 0418866000 N 12/01/33 0 8904140 E22/G02 F 32,250.00 ZZ 360 32,223.56 1 7.000 214.56 75 6.750 214.56 HUNTSVILLE AL 35804 1 11/25/03 00 0418917696 05 01/01/04 0 0418917696 N 12/01/33 0 8904198 E22/G02 F 236,000.00 ZZ 360 235,753.60 1 5.750 1,377.23 45 5.500 1,377.23 RANCHO CUCAMONG CA 91739 1 11/20/03 00 0418918561 05 01/01/04 0 0418918561 O 12/01/33 0 8904302 E22/G02 F 48,000.00 TX 360 47,959.67 1 1 6.875 315.33 70 6.625 315.33 EL PASO TX 79907 5 11/19/03 00 0418947198 05 01/01/04 0 0418947198 O 12/01/33 0 8904316 E22/G02 F 152,000.00 ZZ 360 151,872.30 1 6.875 998.53 87 6.625 998.53 MILL SPRING NC 28756 2 11/25/03 01 0418965158 05 01/01/04 12 0418965158 O 12/01/33 0 8904332 E22/G02 F 213,000.00 ZZ 360 212,812.08 1 6.625 1,363.86 75 6.375 1,363.86 SOUTH LYON MI 48178 5 11/20/03 00 0418972964 05 01/01/04 0 0418972964 O 12/01/33 0 8904352 E22/G02 F 227,525.00 ZZ 360 227,314.27 1 6.375 1,419.46 80 6.125 1,419.46 LAS VEGAS NV 89117 2 11/18/03 00 0418983581 05 01/01/04 0 0418983581 O 12/01/33 0 8904354 E22/G02 F 180,500.00 ZZ 360 180,136.83 1 6.500 1,140.88 95 6.250 1,140.88 GREAT MILLS MD 20634 5 11/20/03 10 0418987558 05 01/01/04 30 0418987558 O 12/01/33 0 8904358 E22/G02 F 88,000.00 TX 360 87,916.50 1 6.250 541.83 80 6.000 541.83 AUSTIN TX 78745 5 11/20/03 00 0418990156 05 01/01/04 0 1 0418990156 O 12/01/33 0 8904412 E22/G02 F 88,000.00 ZZ 360 87,924.23 2 6.750 570.77 74 6.500 570.77 NEW ORLEANS LA 70126 2 11/25/03 00 0419021696 05 01/01/04 0 0419021696 N 12/01/33 0 8904486 E22/G02 F 114,400.00 ZZ 360 114,288.81 1 6.125 695.11 80 5.875 695.11 MADERA CA 93638 5 11/18/03 00 0419037445 05 01/01/04 0 0419037445 O 12/01/33 0 8904498 E22/G02 F 100,000.00 ZZ 360 99,902.81 1 6.125 607.61 80 5.875 607.61 BETHLEHEM GA 30620 1 11/25/03 00 0419043880 03 01/01/04 0 0419043880 N 12/01/33 0 8904540 E22/G02 F 141,000.00 ZZ 360 140,887.25 1 7.125 949.94 73 6.875 949.94 GILBERTS IL 60136 5 11/25/03 00 0419061429 01 01/01/04 0 0419061429 N 12/01/33 0 8904596 E22/G02 F 90,000.00 TX 360 89,918.64 1 6.500 568.86 66 6.250 568.86 AUSTIN TX 78750 5 11/20/03 00 0419098991 05 01/01/04 0 0419098991 O 12/01/33 0 1 8904600 E22/G02 F 198,400.00 ZZ 360 198,199.21 1 6.625 1,270.38 80 6.375 1,270.38 JOHNSTON RI 02919 5 11/20/03 00 0419104054 05 01/01/04 0 0419104054 O 12/01/33 0 8904608 E22/G02 F 265,905.00 ZZ 360 265,658.72 1 6.375 1,658.90 95 6.125 1,658.90 SALT LAKE CITY UT 84109 1 11/19/03 04 0419106984 05 01/01/04 30 0419106984 O 12/01/33 0 8904612 E22/G02 F 220,000.00 ZZ 360 219,786.18 1 6.125 1,336.74 56 5.875 1,336.74 SAN LEANDRO CA 94577 1 11/18/03 00 0419107941 05 01/01/04 0 0419107941 O 12/01/33 0 8904616 E22/G02 F 70,000.00 ZZ 360 69,941.19 1 6.875 459.85 80 6.625 459.85 CHARLOTTE NC 28214 1 11/24/03 00 0419108634 03 01/01/04 0 0419108634 N 12/01/33 0 8904630 E22/G02 F 111,300.00 ZZ 360 111,199.39 1 6.500 703.49 80 6.250 703.49 FORT WORTH TX 76135 1 11/25/03 00 0419113642 03 01/01/04 0 0419113642 O 12/01/33 0 8904644 E22/G02 F 51,000.00 ZZ 360 50,956.09 1 6.750 330.79 75 6.500 330.79 1 WALKERTON IN 46574 5 11/25/03 00 0419118237 05 01/01/04 0 0419118237 N 12/01/33 0 8904654 E22/G02 F 410,000.00 ZZ 360 409,591.84 1 6.000 2,458.16 79 5.750 2,458.16 SANTA CLARA CA 95050 2 11/19/03 00 0419127113 05 01/01/04 0 0419127113 O 12/01/33 0 8904740 E22/G02 F 72,000.00 ZZ 360 71,931.68 1 6.250 443.32 51 6.000 443.32 CARROLLTON TX 75007 1 11/25/03 00 0419242789 05 01/01/04 0 0419242789 O 12/01/33 0 8904766 P09/G02 F 220,000.00 ZZ 360 219,791.25 1 6.250 1,354.58 80 6.000 1,354.58 BURKE VA 22015 1 11/21/03 00 0437072853 09 01/01/04 0 3002260216 O 12/01/33 0 8904812 E86/G02 F 127,800.00 ZZ 360 127,562.63 1 6.375 797.31 80 6.125 797.31 SALEM OR 97302 1 10/28/03 00 0437060460 05 12/01/03 0 0000439969 O 11/01/33 0 8904848 B39/G02 F 180,000.00 ZZ 360 179,837.28 1 6.500 1,137.72 85 6.250 1,137.72 RICHFIELD MN 55423 1 11/14/03 12 0437049703 05 01/01/04 25 20034313F O 12/01/33 0 1 8904932 Q31/G02 F 141,250.00 ZZ 360 141,131.32 1 6.875 927.92 88 6.625 927.92 BALDWIN PARK CA 91706 2 11/21/03 10 0437110257 01 01/01/04 25 SD899933 O 12/01/33 0 8905248 E85/G02 F 544,250.00 T 360 543,721.02 1 6.125 3,306.92 65 5.875 3,306.92 CLOVERDALE CA 95425 5 11/19/03 00 0437045719 05 01/01/04 0 9622619 O 12/01/33 0 8905712 P59/G02 F 113,900.00 ZZ 360 113,801.93 1 6.750 738.76 90 6.500 738.76 BAKERSFIELD CA 93307 1 11/18/03 01 0437076946 05 01/01/04 35 AT008310 O 12/01/33 0 8905806 742/G02 F 95,000.00 ZZ 360 94,916.18 1 6.625 608.30 59 6.375 608.30 FAYETTEVILLE NY 13066 1 11/18/03 00 0437044514 05 01/01/04 0 10061083 O 12/01/33 0 8905970 116/116 F 149,450.00 ZZ 360 149,165.66 1 6.250 920.19 27 6.000 920.19 HOUSTON TX 77025 4 10/31/03 00 091021159 05 12/01/03 0 091021159 O 11/01/33 0 8905978 P44/G02 F 184,500.00 ZZ 360 184,333.21 1 1 6.500 1,166.17 90 6.250 1,166.17 REVERE MA 02151 1 11/20/03 12 0437057185 05 01/01/04 25 493040519 O 12/01/33 0 8906624 313/G02 F 382,000.00 ZZ 360 381,646.19 1 6.375 2,383.19 64 6.125 2,383.19 CONCORD MA 01742 2 10/29/03 00 0437054786 05 01/01/04 0 9937640 O 12/01/33 0 8907010 P27/G02 F 184,800.00 ZZ 360 184,632.94 1 6.500 1,168.06 80 6.250 1,168.06 MERRIMACK NH 03054 5 11/20/03 00 0437053655 05 01/01/04 0 2107827925 O 12/01/33 0 8907254 967/G02 F 94,500.00 ZZ 360 94,414.58 1 6.500 597.30 67 6.250 597.30 BREMERTON WA 98312 2 11/10/03 00 0437058944 05 01/01/04 0 10022986 N 12/01/33 0 8907270 P44/G02 F 82,620.00 ZZ 360 82,555.55 1 7.250 563.61 90 7.000 563.61 WORCESTER MA 01605 1 11/18/03 10 0437117062 05 01/01/04 25 LEBEAU N 12/01/33 0 8907300 F34/G02 F 112,500.00 ZZ 360 112,395.81 1 6.375 701.85 75 6.125 701.85 LAS VEGAS NV 89107 2 11/20/03 00 0437090475 05 01/01/04 0 1 4900309028 O 12/01/33 0 8907334 962/G02 F 45,000.00 ZZ 360 44,966.60 1 7.500 314.65 65 7.250 314.65 FERGUS FALLS MN 56537 5 11/20/03 00 0437050073 05 01/01/04 0 2003N620 O 12/01/33 0 8907374 313/G02 F 120,200.00 ZZ 360 120,103.88 1 7.125 809.81 80 6.875 809.81 DAWSONVILLE GA 30534 1 11/21/03 00 0437048580 05 01/01/04 0 0009956103 O 12/01/33 0 8907378 E22/G02 F 188,000.00 ZZ 360 187,817.27 1 6.125 1,142.31 80 5.875 1,142.31 ONTARIO CA 91762 1 11/19/03 00 0419081393 05 01/01/04 0 0419081393 O 12/01/33 0 8907402 E22/G02 F 124,000.00 ZZ 360 123,876.56 1 6.000 743.44 80 5.750 743.44 EAST WENATCHEE WA 98802 2 11/13/03 00 0419088117 05 01/01/04 0 0419088117 O 12/01/33 0 8907496 E22/G02 F 188,000.00 ZZ 360 187,821.62 2 6.250 1,157.55 74 6.000 1,157.55 PASSAIC NJ 07055 5 11/21/03 00 0418481420 05 01/01/04 0 0418481420 O 12/01/33 0 1 8907510 E22/G02 F 133,600.00 ZZ 360 133,479.23 1 6.500 844.44 80 6.250 844.44 ORLANDO FL 32826 2 11/21/03 00 0418440509 03 01/01/04 0 0418440509 O 12/01/33 0 8907528 E22/G02 F 142,124.00 ZZ 360 141,992.36 1 6.375 886.67 80 6.125 886.67 HANFORD CA 93230 1 11/19/03 00 0418551925 05 01/01/04 0 0418551925 O 12/01/33 0 8907532 E22/G02 F 220,500.00 ZZ 360 220,295.78 1 6.375 1,375.63 90 6.125 1,375.63 LAKEWOOD CO 80227 1 11/26/03 01 0418562567 05 01/01/04 30 0418562567 O 12/01/33 0 8907540 E22/G02 F 137,700.00 ZZ 360 137,572.46 1 6.375 859.07 90 6.125 859.07 OREM UT 84057 5 10/06/03 10 0418570479 05 01/01/04 25 0418570479 O 12/01/33 0 8907552 E22/G02 F 50,400.00 ZZ 360 50,354.44 1 6.500 318.56 80 6.250 318.56 PUEBLO CO 81004 2 11/24/03 00 0418637831 05 01/01/04 0 0418637831 N 12/01/33 0 8907554 E22/G02 F 68,800.00 ZZ 360 68,740.76 1 6.750 446.24 80 6.500 446.24 1 HOUSTON TX 77082 1 11/25/03 00 0418639241 03 01/01/04 0 0418639241 N 12/01/33 0 8907556 E22/G02 F 157,400.00 ZZ 360 157,254.22 1 6.375 981.97 79 6.125 981.97 BOUND BROOK NJ 08805 5 11/21/03 00 0418641841 07 01/01/04 0 0418641841 O 12/01/33 0 8907570 E22/G02 F 500,000.00 TX 360 499,558.87 1 6.625 3,201.55 76 6.375 3,201.55 DALLAS TX 75230 5 11/21/03 00 0418688727 05 01/01/04 0 0418688727 O 12/01/33 0 8907586 E22/G02 F 125,600.00 ZZ 360 125,489.19 1 6.625 804.23 80 6.375 804.23 WASHINGTON DC 20037 1 11/26/03 00 0418706891 06 01/01/04 0 0418706891 O 12/01/33 0 8907588 E22/G02 F 100,000.00 ZZ 360 99,918.03 2 7.000 665.30 80 6.750 665.30 COLUMBIA MO 65203 5 11/26/03 00 0418708327 05 01/01/04 0 0418708327 N 12/01/33 0 8907608 E22/G02 F 240,000.00 ZZ 360 239,788.25 1 6.625 1,536.75 79 6.375 1,536.75 NEWARK NJ 07104 5 11/21/03 00 0418718672 05 01/01/04 0 0418718672 O 12/01/33 0 1 8907620 E22/G02 F 120,000.00 ZZ 360 119,888.86 2 6.375 748.64 89 6.125 748.64 SPOKANE WA 99202 2 11/26/03 04 0418753687 05 01/01/04 25 0418753687 N 12/01/33 0 8907624 E22/G02 F 142,300.00 ZZ 360 142,168.20 1 6.375 887.77 94 6.125 887.77 RYE CO 81069 5 11/21/03 10 0418754396 05 01/01/04 30 0418754396 O 12/01/33 0 8907652 E22/G02 F 91,500.00 ZZ 360 91,435.42 1 7.750 655.52 74 7.500 655.52 AUSTELL GA 30168 5 11/26/03 00 0418783916 05 01/01/04 0 0418783916 N 12/01/33 0 8907662 E22/G02 F 525,000.00 ZZ 360 524,525.39 1 6.500 3,318.36 75 6.250 3,318.36 HACKETTSTOWN NJ 07840 5 11/21/03 00 0418791604 05 01/01/04 0 0418791604 O 12/01/33 0 8907714 E22/G02 F 131,200.00 ZZ 360 131,084.24 1 6.625 840.09 80 6.375 840.09 MASON MI 48854 2 11/25/03 00 0418836490 05 01/01/04 0 0418836490 O 12/01/33 0 8907716 T44/G02 F 96,000.00 ZZ 360 95,919.35 1 1 6.875 630.65 80 6.625 630.65 AUBURNDALE FL 33823 1 11/17/03 00 0437066467 05 01/01/04 0 1097535 N 12/01/33 0 8907828 E22/G02 F 112,150.00 ZZ 360 112,038.35 1 6.000 672.40 82 5.750 672.40 PORT SAINT LUCI FL 34983 5 11/21/03 01 0418880068 05 01/01/04 12 0418880068 O 12/01/33 0 8907884 E22/G02 F 26,600.00 ZZ 360 26,577.10 1 6.750 172.53 95 6.500 172.53 HAMBURG IA 51640 1 11/26/03 04 0418895298 05 01/01/04 30 0418895298 O 12/01/33 0 8907904 U87/G02 F 320,000.00 ZZ 360 319,649.92 1 5.750 1,867.43 67 5.500 1,867.43 SAN DIEGO CA 92128 5 11/12/03 00 0437065527 03 01/01/04 0 01681 O 12/01/33 0 8907970 E22/G02 F 309,000.00 ZZ 360 308,692.39 1 6.000 1,852.61 91 5.750 1,852.61 EL DORADO HILLS CA 95762 2 11/20/03 01 0418912705 05 01/01/04 30 0418912705 O 12/01/33 0 8907978 E22/G02 F 168,000.00 ZZ 360 167,840.60 1 6.250 1,034.40 80 6.000 1,034.40 GRESHAM OR 97080 5 11/20/03 00 0418913588 05 01/01/04 0 1 0418913588 O 12/01/33 0 8908036 E22/G02 F 60,000.00 ZZ 360 59,845.76 1 6.500 379.24 80 6.250 379.24 BARSTOW CA 92311 5 11/17/03 00 0418935177 05 01/01/04 0 0418935177 O 12/01/33 0 8908062 E22/G02 F 195,000.00 ZZ 360 194,810.47 1 6.125 1,184.84 68 5.875 1,184.84 CHEYENNE WY 82009 2 11/21/03 00 0418939989 05 01/01/04 0 0418939989 O 12/01/33 0 8908076 E22/G02 F 119,200.00 ZZ 360 119,086.90 1 6.250 733.93 80 6.000 733.93 MIAMI FL 33183 1 11/26/03 00 0418942983 09 01/01/04 0 0418942983 O 12/01/33 0 8908100 E22/G02 F 90,400.00 ZZ 360 90,307.83 2 5.875 534.75 80 5.625 534.75 BILLINGS MT 59102 5 11/26/03 00 0418945762 05 01/01/04 0 0418945762 N 12/01/33 0 8908130 E22/G02 F 162,800.00 TX 360 162,656.36 1 6.625 1,042.43 80 6.375 1,042.43 KEMAH TX 77565 5 11/21/03 00 0418951596 03 01/01/04 0 0418951596 O 12/01/33 0 1 8908208 E22/G02 F 161,000.00 ZZ 360 160,850.88 1 6.375 1,004.43 52 6.125 1,004.43 SALINAS CA 93906 2 11/18/03 00 0418965414 05 01/01/04 0 0418965414 O 12/01/33 0 8908216 E22/G02 F 126,000.00 ZZ 360 125,874.57 1 6.000 755.43 87 5.750 755.43 LEAGUE CITY TX 77573 2 11/21/03 01 0418965778 03 01/01/04 30 0418965778 O 12/01/33 0 8908274 E22/G02 F 96,800.00 ZZ 360 96,708.16 1 6.250 596.01 80 6.000 596.01 PITTSTON PA 18640 5 11/21/03 00 0418980355 05 01/01/04 0 0418980355 O 12/01/33 0 8908292 E22/G02 F 163,600.00 ZZ 360 163,459.14 1 6.750 1,061.11 95 6.500 1,061.11 BREMERTON WA 98312 5 11/20/03 04 0418984845 05 01/01/04 30 0418984845 O 12/01/33 0 8908386 E22/G02 F 274,000.00 ZZ 240 273,441.30 1 6.500 2,042.87 77 6.250 2,042.87 CORONA CA 92881 5 11/21/03 00 0418992301 29 01/01/04 0 0418992301 O 12/01/23 0 8908570 E22/G02 F 178,000.00 ZZ 360 177,846.75 1 6.750 1,154.50 90 6.500 1,154.50 1 BLUE EYE MO 65611 5 11/21/03 01 0419014444 05 01/01/04 25 0419014444 O 12/01/33 0 8908594 E22/G02 F 228,000.00 ZZ 360 227,767.54 1 5.875 1,348.71 70 5.625 1,348.71 COTATI CA 94931 2 11/18/03 00 0419024237 05 01/01/04 0 0419024237 N 12/01/33 0 8908606 E22/G02 F 119,100.00 ZZ 360 119,004.76 2 7.125 802.40 80 6.875 802.40 NEWTON NJ 07860 1 11/26/03 00 0419024856 05 01/01/04 0 0419024856 N 12/01/33 0 8908622 E22/G02 F 86,400.00 TX 360 86,321.89 1 6.500 546.11 80 6.250 546.11 HOUSTON TX 77084 5 11/21/03 00 0419031745 03 01/01/04 0 0419031745 O 12/01/33 0 8908648 E22/G02 F 381,500.00 ZZ 360 381,111.04 1 5.875 2,256.72 50 5.625 2,256.72 SAN FRANCISCO CA 94121 1 11/19/03 00 0419039045 07 01/01/04 0 0419039045 O 12/01/33 0 8908686 E22/G02 F 164,800.00 ZZ 360 164,041.30 1 7.000 1,096.42 80 6.750 1,096.42 YORKTOWN VA 23692 5 11/20/03 00 0419042841 05 01/01/04 0 0419042841 O 12/01/33 0 1 8908692 Q87/G02 F 85,500.00 ZZ 360 85,372.70 1 7.500 597.83 95 7.250 597.83 CLEVELAND MS 38732 5 11/21/03 10 0437066038 05 12/26/03 30 MEMI02 O 11/26/33 0 8908694 E22/G02 F 148,000.00 ZZ 360 147,866.21 1 6.500 935.46 80 6.250 935.46 HENDERSON NV 89014 1 11/24/03 00 0419045836 03 01/01/04 0 0419045836 O 12/01/33 0 8908700 E22/G02 F 124,000.00 ZZ 360 123,885.15 1 6.375 773.60 80 6.125 773.60 BELLEVUE NE 68147 5 11/21/03 00 0419047105 05 01/01/04 0 0419047105 O 12/01/33 0 8908710 E22/G02 F 102,500.00 ZZ 360 101,247.96 1 6.500 647.87 41 6.250 647.87 SARASOTA FL 34240 5 11/21/03 00 0419048541 05 01/01/04 0 0419048541 O 12/01/33 0 8908714 E22/G02 F 430,000.00 ZZ 360 429,629.78 3 6.750 2,788.97 64 6.500 2,788.97 BROOKLYN NY 11222 5 11/21/03 00 0419049655 05 01/01/04 0 0419049655 O 12/01/33 0 8908856 E22/G02 F 274,400.00 ZZ 360 274,139.64 1 1 6.250 1,689.53 80 6.000 1,689.53 RENO NV 89511 1 11/20/03 00 0419068135 05 01/01/04 0 0419068135 O 12/01/33 0 8908866 E22/G02 F 265,600.00 ZZ 360 265,359.90 1 6.500 1,678.77 76 6.250 1,678.77 SANTA MARIA CA 93455 5 11/20/03 00 0419074661 05 01/01/04 0 0419074661 O 12/01/33 0 8908880 E22/G02 F 88,793.25 ZZ 360 88,711.01 1 6.375 553.95 75 6.125 553.95 FORT WAYNE IN 46804 1 12/01/03 00 0419077425 05 01/01/04 0 0419077425 N 12/01/33 0 8908914 E22/G02 F 33,750.00 ZZ 360 33,721.65 1 6.875 221.71 75 6.625 221.71 SAINT PETERSBUR FL 33701 1 11/26/03 00 0419092770 05 01/01/04 0 0419092770 N 12/01/33 0 8908924 E22/G02 F 296,250.00 TX 360 295,975.62 1 6.375 1,848.21 75 6.125 1,848.21 LEANDER TX 78641 5 11/21/03 00 0419094891 03 01/01/04 0 0419094891 O 12/01/33 0 8909006 E22/G02 F 173,000.00 ZZ 360 172,839.77 1 6.375 1,079.29 78 6.125 1,079.29 PROVO UT 84606 2 11/19/03 00 0419104096 03 01/01/04 0 1 0419104096 O 12/01/33 0 8909030 E22/G02 F 94,500.00 ZZ 360 94,416.63 1 6.625 605.09 90 6.375 605.09 INDIANAPOLIS IN 46217 1 11/26/03 01 0419106612 03 01/01/04 30 0419106612 O 12/01/33 0 8909292 E22/G02 F 106,400.00 ZZ 360 106,312.79 2 7.000 707.88 80 6.750 707.88 COLUMBIA MO 65203 5 11/26/03 00 0419134507 05 01/01/04 0 0419134507 N 12/01/33 0 8909632 E22/G02 F 97,600.00 TX 360 97,518.01 1 6.875 641.16 80 6.625 641.16 WIMBERLEY TX 78676 5 11/19/03 00 0419143946 05 01/01/04 0 0419143946 O 12/01/33 0 8909826 E22/G02 F 201,406.00 ZZ 360 201,228.31 1 6.625 1,289.62 90 6.375 1,289.62 PHOENIX AZ 85308 1 11/18/03 11 0419172564 03 01/01/04 30 0419172564 O 12/01/33 0 8909870 E22/G02 F 72,000.00 ZZ 360 71,928.32 2 6.000 431.68 80 5.750 431.68 BILLINGS MT 59101 5 11/26/03 00 0419187174 05 01/01/04 0 0419187174 N 12/01/33 0 1 8911130 Y69/G02 F 136,500.00 ZZ 360 136,376.61 1 6.500 862.77 64 6.250 862.77 WAVELAND MS 39576 5 11/07/03 00 0437046311 05 01/01/04 0 6034047 O 12/01/33 0 8912810 H81/G02 F 110,700.00 ZZ 360 110,617.85 2 7.500 774.03 90 7.250 774.03 WEST ALLIS WI 53214 1 12/01/03 10 0437059496 05 01/01/04 25 WH21837 N 12/01/33 0 8912930 U05/G02 F 79,800.00 T 360 79,734.59 1 7.000 530.91 95 6.750 530.91 FORT WORTH TX 76114 1 11/21/03 10 0437121296 05 01/01/04 30 3000419800 O 12/01/33 0 8913812 E22/G02 F 107,570.00 ZZ 360 107,467.93 1 6.250 662.33 80 6.000 662.33 SURPRISE AZ 85374 1 11/24/03 00 0419074406 03 01/01/04 0 0419074406 N 12/01/33 0 8913822 E22/G02 F 107,570.00 ZZ 360 107,467.93 1 6.250 662.33 80 6.000 662.33 SURPRISE AZ 85374 1 11/24/03 00 0419078738 03 01/01/04 0 0419078738 N 12/01/33 0 8913842 E22/G02 F 87,970.00 ZZ 240 87,787.92 1 6.375 649.42 85 6.125 649.42 1 WOOLWINE VA 24185 5 11/25/03 10 0419099676 05 01/01/04 12 0419099676 O 12/01/23 0 8913874 E22/G02 F 103,900.00 ZZ 360 103,808.33 1 6.625 665.28 80 6.375 665.28 GLEN ROSE TX 76043 1 11/25/03 00 0419122015 05 01/01/04 0 0419122015 N 12/01/33 0 8913888 E22/G02 F 168,750.00 ZZ 360 168,750.00 2 6.875 1,108.57 75 6.625 1,108.57 SEATTLE WA 98118 1 11/25/03 00 0419129507 05 02/01/04 0 0419129507 N 01/01/34 0 8913890 E22/G02 F 168,750.00 ZZ 360 168,750.00 2 6.875 1,108.57 75 6.625 1,108.57 SEATTLE WA 98118 1 11/25/03 00 0419129556 05 02/01/04 0 0419129556 N 01/01/34 0 8913988 E22/G02 F 220,000.00 ZZ 360 219,775.70 1 5.875 1,301.38 66 5.625 1,301.38 COTATI CA 94931 2 11/21/03 00 0419204045 03 01/01/04 0 0419204045 N 12/01/33 0 8913990 E22/G02 F 88,000.00 ZZ 360 87,920.45 1 6.500 556.22 80 6.250 556.22 TIJERAS NM 87059 1 11/25/03 00 0419205364 05 01/01/04 0 0419205364 N 12/01/33 0 1 8913992 E22/G02 F 220,000.00 ZZ 360 219,791.25 1 6.250 1,354.58 78 6.000 1,354.58 EVANS CO 80620 5 11/25/03 00 0419209739 05 01/01/04 0 0419209739 O 12/01/33 0 8914028 E22/G02 F 106,400.00 ZZ 360 106,299.05 1 6.250 655.12 80 6.000 655.12 CHEYENNE WY 82009 5 11/18/03 00 0418471009 05 01/01/04 0 0418471009 O 12/01/33 0 8914034 E22/G02 F 97,000.00 ZZ 360 96,905.72 1 6.125 589.38 79 5.875 589.38 CASHMERE WA 98815 1 11/21/03 00 0418519740 05 01/01/04 0 0418519740 O 12/01/33 0 8914048 E22/G02 F 83,700.00 ZZ 360 83,624.34 1 6.500 529.04 90 6.250 529.04 REXBURG ID 83440 1 11/13/03 10 0418672150 09 01/01/04 25 0418672150 N 12/01/33 0 8914050 E22/G02 F 83,700.00 ZZ 360 83,624.34 1 6.500 529.04 90 6.250 529.04 REXBURG ID 83440 1 11/14/03 10 0418672689 09 01/01/04 25 0418672689 N 12/01/33 0 8914052 E22/G02 F 83,700.00 ZZ 360 83,624.34 1 1 6.500 529.04 90 6.250 529.04 REXBURG ID 83440 1 11/12/03 10 0418673364 09 01/01/04 25 0418673364 N 12/01/33 0 8914070 E22/G02 F 111,650.00 ZZ 360 111,536.17 1 5.875 660.45 67 5.625 660.45 FORNEY TX 75126 2 11/25/03 00 0418702973 05 01/01/04 0 0418702973 O 12/01/33 0 8914092 E22/G02 F 82,000.00 ZZ 360 81,925.87 1 6.500 518.30 58 6.250 518.30 BOISE ID 83712 1 11/21/03 00 0418754271 05 01/01/04 0 0418754271 N 12/01/33 0 8914106 E22/G02 F 93,100.00 ZZ 360 93,009.51 1 6.125 565.69 95 5.875 565.69 SAN ANTONIO TX 78239 2 11/24/03 01 0418796959 05 01/01/04 30 0418796959 O 12/01/33 0 8914130 E82/G02 F 84,400.00 ZZ 360 84,337.36 1 7.500 590.14 79 7.250 590.14 TAMPA FL 33605 2 12/02/03 00 0400903555 05 01/01/04 0 0400903555 N 12/01/33 0 8914134 E82/G02 F 88,000.00 ZZ 360 87,933.04 1 7.375 607.79 80 7.125 607.79 TAMPA FL 33603 2 12/02/03 00 0400903597 05 01/01/04 0 1 0400903597 N 12/01/33 0 8914142 E82/G02 F 110,500.00 ZZ 360 110,500.00 1 6.375 689.38 94 6.125 689.38 MOUNT HOPE WV 25880 2 11/26/03 04 0400922779 05 02/01/04 30 0400922779 O 01/01/34 0 8914166 E22/G02 F 208,000.00 ZZ 360 207,802.64 1 6.250 1,280.69 80 6.000 1,280.69 GALT CA 95632 1 10/21/03 00 0418847307 05 01/01/04 0 0418847307 O 12/01/33 0 8914208 E22/G02 F 106,200.00 ZZ 360 106,106.30 1 6.625 680.01 90 6.375 680.01 SOUTH BOSTON VA 24592 5 11/25/03 04 0418930616 05 01/01/04 25 0418930616 O 12/01/33 0 8914210 E22/G02 F 55,100.00 ZZ 240 55,002.01 1 7.625 448.10 94 7.375 448.10 OKLAHOMA CITY OK 73109 5 11/24/03 01 0418933214 05 01/01/04 30 0418933214 O 12/01/23 0 8914212 E22/G02 F 228,000.00 TX 360 227,783.66 1 6.250 1,403.84 80 6.000 1,403.84 GALVESTON TX 77554 5 11/25/03 00 0418941126 03 01/01/04 0 0418941126 O 12/01/33 0 1 8914238 E22/G02 F 228,000.00 ZZ 360 227,793.88 2 6.500 1,441.12 80 6.250 1,441.12 LOS ANGELES CA 90065 5 11/19/03 00 0418969697 05 01/01/04 0 0418969697 O 12/01/33 0 8914246 E22/G02 F 95,000.00 ZZ 360 94,925.89 1 7.250 648.07 95 7.000 648.07 ANCHORAGE AK 99508 5 11/21/03 04 0418978276 01 01/01/04 30 0418978276 O 12/01/33 0 8914270 E22/G02 F 107,700.00 ZZ 360 107,595.32 1 6.125 654.40 70 5.875 654.40 ELIZABETH CITY NC 27909 1 12/01/03 00 0419013529 05 01/01/04 0 0419013529 O 12/01/33 0 8914276 E22/G02 F 120,000.00 ZZ 360 119,896.68 1 6.750 778.32 80 6.500 778.32 SPOKANE WA 99208 5 11/17/03 00 0419022181 05 01/01/04 0 0419022181 O 12/01/33 0 8914304 E22/G02 F 168,000.00 ZZ 360 167,828.72 1 5.875 993.78 72 5.625 993.78 FRONT ROYAL VA 22630 2 11/25/03 00 0419038351 05 01/01/04 0 0419038351 O 12/01/33 0 8914320 E22/G02 F 136,000.00 ZZ 360 135,864.61 1 6.000 815.39 80 5.750 815.39 1 PELHAM AL 35124 1 12/01/03 00 0419054960 05 01/01/04 0 0419054960 O 12/01/33 0 8914332 E22/G02 F 143,900.00 ZZ 360 143,682.05 1 7.000 957.37 90 6.750 957.37 SAINT STEPHENS AL 36569 5 11/24/03 04 0419059654 05 01/01/04 25 0419059654 O 12/01/33 0 8914336 E22/G02 F 45,900.00 ZZ 360 45,861.44 1 6.875 301.53 85 6.625 301.53 OKLAHOMA CITY OK 73119 5 11/24/03 01 0419062583 05 01/01/04 12 0419062583 O 12/01/33 0 8914342 E22/G02 F 80,000.00 ZZ 240 79,841.71 1 6.750 608.29 89 6.500 608.29 COLLINSVILLE IL 62234 2 11/25/03 04 0419066386 05 01/01/04 25 0419066386 O 12/01/23 0 8914344 E22/G02 F 239,200.00 TX 360 238,973.03 1 6.250 1,472.80 80 6.000 1,472.80 PASADENA TX 77504 5 11/25/03 00 0419070438 05 01/01/04 0 0419070438 O 12/01/33 0 8915288 T44/G02 F 233,000.00 ZZ 360 232,809.02 1 7.000 1,550.15 89 6.750 1,550.15 SOMERSET CA 95684 2 11/12/03 01 0437184708 05 01/01/04 25 1086928 O 12/01/33 0 1 8915476 T44/G02 F 259,000.00 ZZ 360 258,787.70 1 7.000 1,723.13 84 6.750 1,723.13 CAMERON PARK CA 95682 1 11/20/03 01 0437056922 05 01/01/04 12 1069325 O 12/01/33 0 8916096 E47/G02 F 242,000.00 ZZ 360 241,764.79 1 6.125 1,470.42 51 5.875 1,470.42 SAN ANTONIO TX 78258 2 11/20/03 00 0437075161 05 01/01/04 0 7362511699 O 12/01/33 0 8919084 E22/G02 F 192,000.00 ZZ 360 191,822.17 1 6.375 1,197.83 80 6.125 1,197.83 ROSELLE NJ 07203 2 11/25/03 00 0418562112 05 01/01/04 0 0418562112 O 12/01/33 0 8919132 E22/G02 F 76,400.00 TX 360 76,335.82 1 6.875 501.89 80 6.625 501.89 BURLESON TX 76028 5 11/26/03 00 0418683587 05 01/01/04 0 0418683587 O 12/01/33 0 8919146 E22/G02 F 207,400.00 ZZ 360 207,207.90 2 6.375 1,293.91 88 6.125 1,293.91 CICERO IL 60804 2 11/26/03 01 0418755302 05 01/01/04 25 0418755302 O 12/01/33 0 8919154 E22/G02 F 110,000.00 ZZ 360 109,893.09 1 1 6.125 668.37 57 5.875 668.37 KETTLE FALLS WA 99141 5 11/18/03 00 0418794111 05 01/01/04 0 0418794111 O 12/01/33 0 8919158 E22/G02 F 138,500.00 ZZ 360 138,374.80 1 6.500 875.41 70 6.250 875.41 WAUNAKEE WI 53597 2 11/26/03 00 0418799193 05 01/01/04 0 0418799193 O 12/01/33 0 8919172 E22/G02 F 215,000.00 ZZ 360 214,805.63 2 6.500 1,358.95 77 6.250 1,358.95 HAVERHILL MA 01830 5 11/25/03 00 0418830444 05 01/01/04 0 0418830444 O 12/01/33 0 8919184 E22/G02 F 224,000.00 ZZ 360 223,771.63 1 5.875 1,325.04 80 5.625 1,325.04 BAYSHORE NY 11706 5 11/26/03 00 0418857694 05 01/01/04 0 0418857694 O 12/01/33 0 8919186 E22/G02 F 243,750.00 ZZ 360 243,513.09 1 6.125 1,481.05 77 5.875 1,481.05 SEATTLE WA 98126 2 11/19/03 00 0418858106 05 01/01/04 0 0418858106 O 12/01/33 0 8919190 E22/G02 F 538,000.00 ZZ 360 538,000.00 1 6.125 3,268.94 78 5.875 3,268.94 SAN JOSE CA 95118 2 11/24/03 00 0418863122 05 02/01/04 0 1 0418863122 O 01/01/34 0 8919202 E22/G02 F 62,400.00 ZZ 240 62,276.53 1 6.750 474.47 77 6.500 474.47 OKLAHOMA CITY OK 73107 2 11/26/03 00 0418878294 05 01/01/04 0 0418878294 O 12/01/23 0 8919204 E22/G02 F 140,000.00 ZZ 360 139,890.78 1 7.250 955.05 72 7.000 955.05 BURLINGTON VT 05401 5 12/02/03 00 0418886446 05 01/01/04 0 0418886446 N 12/01/33 0 8919270 E22/G02 F 368,000.00 ZZ 360 367,364.50 2 6.500 2,326.01 80 6.250 2,326.01 NORWALK CT 06850 2 11/26/03 00 0418935789 05 01/01/04 0 0418935789 O 12/01/33 0 8919292 E22/G02 F 172,500.00 ZZ 360 172,500.00 1 6.250 1,062.11 75 6.000 1,062.11 CENTERVILLE VA 20121 1 12/02/03 00 0418953659 09 02/01/04 0 0418953659 N 01/01/34 0 8919298 E22/G02 F 225,000.00 ZZ 360 224,791.60 3 6.375 1,403.71 30 6.125 1,403.71 SOMERVILLE MA 02145 5 11/26/03 00 0418960183 05 01/01/04 0 0418960183 O 12/01/33 0 1 8919342 E22/G02 F 86,500.00 ZZ 360 86,417.92 1 6.250 532.60 73 6.000 532.60 MOXEE WA 98936 5 11/25/03 00 0419003132 05 01/01/04 0 0419003132 O 12/01/33 0 8919352 E22/G02 F 253,550.00 ZZ 360 253,550.00 1 6.750 1,644.52 90 6.500 1,644.52 VOORHEES NJ 08043 1 12/02/03 01 0419007877 05 02/01/04 25 0419007877 N 01/01/34 0 8919360 E22/G02 F 76,000.00 ZZ 360 75,931.30 1 6.500 480.37 80 6.250 480.37 COLORADO SPRING CO 80910 5 11/26/03 00 0419016936 05 01/01/04 0 0419016936 O 12/01/33 0 8919364 E22/G02 F 525,000.00 TX 360 524,536.81 1 6.625 3,361.63 75 6.375 3,361.63 ARLINGTON TX 76013 5 11/26/03 00 0419030200 03 01/01/04 0 0419030200 O 12/01/33 0 8919376 E22/G02 F 100,000.00 ZZ 360 99,898.04 1 5.875 591.54 78 5.625 591.54 BOAZ AL 35957 2 11/26/03 00 0419034384 05 01/01/04 0 0419034384 O 12/01/33 0 8919386 E22/G02 F 465,000.00 ZZ 360 464,525.91 1 5.875 2,750.65 51 5.625 2,750.65 1 PALOS VERDES ES CA 90274 2 11/20/03 00 0419047956 05 01/01/04 0 0419047956 O 12/01/33 0 8919390 E22/G02 F 288,750.00 ZZ 360 288,469.35 1 6.125 1,754.48 75 5.875 1,754.48 VICTORIA MN 55386 5 11/26/03 00 0419049630 05 01/01/04 0 0419049630 O 12/01/33 0 8919398 E22/G02 F 210,000.00 ZZ 360 210,000.00 1 6.750 1,362.06 74 6.500 1,362.06 BROOKLYN MI 49230 5 11/26/03 00 0419057245 07 02/01/04 0 0419057245 O 01/01/34 0 8919412 E22/G02 F 53,700.00 ZZ 360 53,521.51 1 6.500 339.42 74 6.250 339.42 SAN ANTONIO TX 78218 2 12/02/03 00 0419066618 05 01/01/04 0 0419066618 N 12/01/33 0 8919452 E22/G02 F 113,000.00 ZZ 360 112,890.17 1 6.125 686.60 62 5.875 686.60 MINNEAPOLIS MN 55414 5 11/26/03 00 0419128228 05 01/01/04 0 0419128228 O 12/01/33 0 8919464 E22/G02 F 79,430.00 ZZ 360 79,430.00 2 7.000 528.45 74 6.750 528.45 DALLAS TX 75223 2 12/02/03 00 0419144977 05 02/01/04 0 0419144977 N 01/01/34 0 1 8919506 E22/G02 F 135,000.00 ZZ 360 135,000.00 1 6.500 853.29 100 6.250 853.29 DESOTO TX 75115 1 12/02/03 04 0419185418 05 02/01/04 35 0419185418 O 01/01/34 0 8919556 E22/G02 F 210,000.00 ZZ 360 210,000.00 3 6.875 1,379.55 75 6.625 1,379.55 GREELEY CO 80631 1 12/02/03 00 0419250436 05 02/01/04 0 0419250436 N 01/01/34 0 8919586 E22/G02 F 110,800.00 ZZ 360 110,697.38 1 6.375 691.25 80 6.125 691.25 LAKE CITY FL 32025 2 11/26/03 00 0419073424 05 01/01/04 0 0419073424 O 12/01/33 0 8919600 X92/G02 F 104,850.00 ZZ 360 104,668.93 1 6.750 680.06 90 6.500 680.06 DOUGLASVILLE GA 30134 1 11/03/03 11 0437194103 05 12/01/03 25 20309035 O 11/01/33 0 8919694 E47/G02 F 400,000.00 ZZ 360 399,629.52 1 6.375 2,495.48 75 6.125 2,495.48 HELOTES TX 78023 2 11/10/03 00 0437179856 05 01/01/04 0 7362511738 O 12/01/33 0 8920016 G34/G02 F 158,000.00 ZZ 360 157,713.55 1 1 6.500 998.67 63 6.250 998.67 LAWNDALE CA 90260 5 10/16/03 00 0437192578 05 12/01/03 0 41001815 O 11/01/33 0 8920420 E57/G02 F 239,000.00 ZZ 360 237,783.94 1 6.500 1,510.64 78 6.250 1,510.64 LOS ANGELES CA 90026 5 11/10/03 00 0437091838 05 01/01/04 0 06020039 O 12/01/33 0 8920846 N74/G02 F 40,000.00 ZZ 360 39,962.04 1 6.250 246.29 80 6.000 246.29 PHILADELPHIA PA 19143 5 11/17/03 00 0437075096 07 01/01/04 0 3300010649 O 12/01/33 0 8921106 B23/G02 F 209,600.00 ZZ 360 209,410.52 1 6.500 1,324.81 80 6.250 1,324.81 LOS ANGELES CA 90042 5 11/21/03 00 0437075385 05 01/01/04 0 80004126 O 12/01/33 0 8922758 S27/G02 F 91,800.00 ZZ 360 91,717.01 1 6.500 580.24 80 6.250 580.24 LAUDERDALE LAKE FL 33309 1 11/26/03 00 0437067945 05 01/01/04 0 1010034575 N 12/01/33 0 8923966 M27/G02 F 153,600.00 ZZ 360 153,464.48 1 6.625 983.52 72 6.375 983.52 CREEDMOOR NC 27522 5 11/21/03 00 0437199730 05 01/01/04 0 1 630023530 O 12/01/33 0 8924020 U85/G02 F 40,000.00 ZZ 360 39,971.05 1 7.625 283.12 80 7.375 283.12 MOLINE IL 61265 5 11/28/03 00 0437077076 05 01/01/04 0 TQSANDERSONRENA O 12/01/33 0 8924060 R84/G02 F 112,000.00 ZZ 360 111,916.88 1 7.500 783.12 95 7.250 783.12 MORTON IL 61550 5 11/21/03 11 0437082571 05 01/01/04 30 R311070004 O 12/01/33 0 8924172 E22/G02 F 485,000.00 ZZ 360 485,000.00 1 6.125 2,946.91 75 5.875 2,946.91 LIVERMORE CA 94550 5 11/25/03 00 0417940079 05 02/01/04 0 0417940079 O 01/01/34 0 8924180 E22/G02 F 212,000.00 ZZ 360 211,778.66 1 5.750 1,237.17 65 5.500 1,237.17 VENTURA CA 93001 2 11/21/03 00 0418290193 05 01/01/04 0 0418290193 O 12/01/33 0 8924182 E22/G02 F 139,500.00 ZZ 360 139,370.79 1 6.375 870.30 84 6.125 870.30 FAIRVIEW NC 28730 2 11/05/03 01 0418364295 05 01/01/04 12 0418364295 O 12/01/33 0 1 8924202 E22/G02 F 94,500.00 ZZ 360 94,433.30 2 7.750 677.01 90 7.500 677.01 NEW ORLEANS LA 70118 2 12/03/03 01 0418681623 05 01/01/04 25 0418681623 N 12/01/33 0 8924212 E22/G02 F 200,000.00 ZZ 360 199,819.19 1 6.500 1,264.14 75 6.250 1,264.14 GROVER BEACH CA 93433 5 11/18/03 00 0418794426 05 01/01/04 0 0418794426 O 12/01/33 0 8924302 E22/G02 F 96,300.00 ZZ 360 96,217.09 1 6.750 624.60 76 6.500 624.60 PORTLAND OR 97217 2 11/25/03 00 0418925707 05 01/01/04 0 0418925707 N 12/01/33 0 8924406 E22/G02 F 188,000.00 ZZ 360 187,825.87 1 6.375 1,172.88 80 6.125 1,172.88 HULL MA 02045 1 12/03/03 00 0419036447 05 01/01/04 0 0419036447 N 12/01/33 0 8924408 E22/G02 F 400,000.00 ZZ 360 400,000.00 1 6.000 2,398.20 23 5.750 2,398.20 DIABLO CA 94528 5 11/25/03 00 0419038377 03 02/01/04 0 0419038377 O 01/01/34 0 8924456 E22/G02 F 165,000.00 TX 360 164,847.17 1 6.375 1,029.39 50 6.125 1,029.39 1 HOUSTON TX 77041 5 11/26/03 00 0419093984 03 01/01/04 0 0419093984 O 12/01/33 0 8924468 E22/G02 F 138,000.00 ZZ 360 137,881.18 2 6.750 895.07 75 6.500 895.07 GRESHAM OR 97080 5 11/20/03 00 0419102512 05 01/01/04 0 0419102512 N 12/01/33 0 8924508 E22/G02 F 471,000.00 ZZ 360 470,531.12 1 6.000 2,823.88 80 5.750 2,823.88 SAN JOSE CA 95136 2 11/17/03 00 0419145974 05 01/01/04 0 0419145974 O 12/01/33 0 8924514 E22/G02 F 107,500.00 ZZ 360 107,026.30 1 5.875 635.90 50 5.625 635.90 SACRAMENTO CA 95828 1 11/25/03 00 0419149703 05 01/01/04 0 0419149703 O 12/01/33 0 8924544 E22/G02 F 69,700.00 ZZ 360 69,638.50 1 6.625 446.30 85 6.375 446.30 FOREST PARK GA 30297 5 11/21/03 10 0419173778 05 01/01/04 12 0419173778 O 12/01/33 0 8924566 E22/G02 F 84,600.00 ZZ 360 84,532.34 4 7.125 569.97 90 6.875 569.97 PIQUA OH 45356 1 12/03/03 01 0419202445 05 01/01/04 25 0419202445 N 12/01/33 0 1 8924580 E22/G02 F 87,000.00 ZZ 360 86,923.24 1 6.625 557.07 76 6.375 557.07 BILLINGS MT 59102 2 12/03/03 00 0419234141 05 01/01/04 0 0419234141 N 12/01/33 0 8924598 E22/G02 F 88,000.00 ZZ 360 88,000.00 2 6.875 578.10 80 6.625 578.10 KANSAS CITY KS 66111 2 12/03/03 00 0419283627 05 02/01/04 0 0419283627 N 01/01/34 0 8924784 X67/G02 F 194,000.00 ZZ 360 193,824.62 1 6.500 1,226.21 80 6.250 1,226.21 WHITTIER AREA CA 90601 2 11/06/03 00 0437110539 05 01/01/04 0 0000430090 O 12/01/33 0 8924946 E82/G02 F 213,250.00 ZZ 360 213,250.00 1 6.750 1,383.14 80 6.500 1,383.14 LOWELL MA 01852 5 11/20/03 00 0400905170 05 02/01/04 0 0400905170 O 01/01/34 0 8925014 X67/G02 F 240,000.00 ZZ 360 239,803.27 1 7.000 1,596.73 73 6.750 1,596.73 APPLEGATE CA 95703 5 11/21/03 00 0437074008 05 01/01/04 0 0000431775 O 12/01/33 0 8925356 N74/G02 F 96,500.00 ZZ 360 96,416.91 1 1 6.750 625.90 73 6.500 625.90 MEMPHIS TN 38128 5 11/20/03 00 0437079338 05 01/01/04 0 0033751010 O 12/01/33 0 8925654 A39/G02 F 310,000.00 ZZ 360 309,719.76 1 6.500 1,959.41 74 6.250 1,959.41 VAN NUYS CA 91406 5 11/10/03 00 0437103153 05 01/01/04 0 2301732RFC O 12/01/33 0 8926024 253/253 F 32,775.00 ZZ 360 32,747.46 1 6.875 215.31 95 6.625 215.31 ODESSA TX 79762 1 11/20/03 19 499608 01 01/01/04 25 525216353 O 12/01/33 0 8926612 U05/G02 F 584,000.00 ZZ 360 583,484.75 2 6.625 3,739.42 80 6.375 3,739.42 LOS ANGELES CA 90027 2 11/21/03 00 0437090111 05 01/01/04 0 3440549 O 12/01/33 0 8927220 642/G02 F 265,500.00 ZZ 360 265,302.97 2 7.500 1,856.41 90 7.250 1,856.41 CAMBRIA HEIGHTS NY 11411 1 11/24/03 11 0437091093 05 01/01/04 25 10188003 O 12/01/33 0 8928446 E22/G02 F 209,000.00 ZZ 360 208,796.86 1 6.125 1,269.91 95 5.875 1,269.91 FORT COLLINS CO 80521 1 12/04/03 01 0419155247 05 01/01/04 30 1 0419155247 O 12/01/33 0 8928454 E22/G02 F 94,600.00 ZZ 360 94,512.38 1 6.375 590.18 90 6.125 590.18 BIXBY OK 74008 2 12/04/03 01 0419170675 05 01/01/04 25 0419170675 N 12/01/33 0 8928456 E22/G02 F 33,750.00 ZZ 360 33,750.00 1 7.125 227.38 75 6.875 227.38 SPRINGFIELD MO 65803 5 12/04/03 00 0419176318 05 02/01/04 0 0419176318 N 01/01/34 0 8928478 E22/G02 F 289,000.00 ZZ 360 288,712.30 1 6.000 1,732.70 49 5.750 1,732.70 WALNUT CREEK CA 94596 2 11/20/03 00 0419205315 05 01/01/04 0 0419205315 N 12/01/33 0 8928480 E22/G02 F 289,000.00 ZZ 360 288,712.30 1 6.000 1,732.70 51 5.750 1,732.70 LAFAYETTE CA 94549 2 11/20/03 00 0419205653 05 01/01/04 0 0419205653 N 12/01/33 0 8928516 U05/G02 F 228,000.00 ZZ 360 227,798.84 1 6.625 1,459.91 80 6.375 1,459.91 BERKELEY CA 94702 1 11/12/03 00 0437158595 05 01/01/04 0 3437180 O 12/01/33 0 1 8928598 E22/G02 F 414,950.00 ZZ 360 414,526.94 1 5.875 2,454.59 70 5.625 2,454.59 SHINGLE SPRINGS CA 95682 5 11/20/03 00 0419013909 03 01/01/04 0 0419013909 O 12/01/33 0 8928614 E22/G02 F 84,000.00 ZZ 240 83,828.72 1 6.500 626.28 90 6.250 626.28 KANSAS CITY MO 64116 2 11/28/03 01 0419041546 05 01/01/04 25 0419041546 O 12/01/23 0 8928656 E22/G02 F 448,000.00 ZZ 360 448,000.00 1 6.375 2,794.94 80 6.125 2,794.94 LITTLE NECK NY 11363 1 12/04/03 00 0419096185 05 02/01/04 0 0419096185 O 01/01/34 0 8928674 E22/G02 F 45,000.00 ZZ 360 45,000.00 1 7.500 314.65 90 7.250 314.65 TOLEDO OH 43615 1 12/04/03 01 0419106877 05 02/01/04 30 0419106877 O 01/01/34 0 8928676 E22/G02 F 117,000.00 ZZ 360 116,891.63 1 6.375 729.93 47 6.125 729.93 SACRAMENTO CA 95831 1 11/19/03 00 0419107156 05 01/01/04 0 0419107156 N 12/01/33 0 8928768 E82/G02 F 206,800.00 ZZ 360 206,800.00 1 6.500 1,307.12 56 6.250 1,307.12 1 SANTA CLARITA CA 91351 2 12/01/03 00 0400916797 01 02/01/04 0 0400916797 O 01/01/34 0 8928782 G34/G02 F 106,000.00 ZZ 360 105,908.74 1 6.750 687.51 85 6.500 687.51 MARY ESTHER FL 32569 1 11/14/03 04 0437192354 05 01/01/04 12 47009910 O 12/01/33 0 8928806 P01/G02 F 162,350.00 ZZ 360 162,206.76 1 6.625 1,039.55 85 6.375 1,039.55 TROY NY 12182 5 11/25/03 10 0437066814 05 01/01/04 12 03005365 O 12/01/33 0 8928812 U05/G02 F 405,100.00 TX 360 404,751.22 1 6.750 2,627.47 79 6.500 2,627.47 HOUSTON TX 77025 2 11/20/03 00 0437099294 03 01/01/04 0 3437971 O 12/01/33 0 8929006 950/G02 F 186,650.00 ZZ 360 186,650.00 1 6.875 1,226.16 95 6.625 1,226.16 SUSANVILLE CA 96130 1 12/24/03 01 0437199656 05 02/01/04 30 A73A007 O 01/01/34 0 8929030 950/G02 F 111,200.00 ZZ 360 111,104.26 1 6.750 721.24 80 6.500 721.24 NAPLES FL 34120 1 12/01/03 00 0437121080 05 01/01/04 0 ES3B012 N 12/01/33 0 1 8929584 F44/G02 F 296,000.00 ZZ 360 295,450.24 1 6.375 1,846.65 85 6.125 1,846.65 TROY NH 03465 5 10/15/03 11 0437192081 05 12/01/03 12 93035131 O 11/01/33 0 8929728 N47/G02 F 308,000.00 ZZ 360 307,714.73 1 6.375 1,921.52 80 6.125 1,921.52 NEWARK CA 94560 5 11/25/03 00 0437210792 05 01/01/04 0 20509292 O 12/01/33 0 8929742 N47/G02 F 448,000.00 ZZ 360 447,604.74 1 6.625 2,868.59 80 6.375 2,868.59 LOS ANGELES CA 90066 1 11/24/03 00 0437095904 05 01/01/04 0 30510156 O 12/01/33 0 8929772 N47/G02 F 400,000.00 ZZ 360 399,647.09 1 6.625 2,561.24 80 6.375 2,561.24 JAMUL CA 91935 5 11/20/03 00 0437191422 05 01/01/04 0 30509765 O 12/01/33 0 8929852 N74/G02 F 112,500.00 ZZ 360 112,403.14 1 6.750 729.67 90 6.500 729.67 BIG STONE GAP VA 24219 5 11/20/03 01 0437082035 05 01/01/04 25 2200001504 O 12/01/33 0 8929856 B23/G02 F 208,000.00 ZZ 360 208,000.00 1 1 6.375 1,297.65 80 6.125 1,297.65 ONTARIO CA 91762 2 12/02/03 00 0437099328 05 02/01/04 0 80003485 O 01/01/34 0 8929986 N74/G02 F 125,400.00 ZZ 360 125,208.57 1 7.375 866.11 93 7.125 866.11 WAYNESBORO VA 22980 5 11/21/03 10 0437081599 05 12/26/03 30 0033777010 O 11/26/33 0 8930176 N74/G02 F 51,000.00 ZZ 360 50,920.19 1 7.250 347.91 39 7.000 347.91 WINSTON SALEM NC 27104 5 11/21/03 00 0437081706 05 12/26/03 0 0033757010 O 11/26/33 0 8930206 N67/G02 F 62,800.00 T 360 62,738.96 1 6.125 381.58 80 5.875 381.58 ROCHESTER NY 14615 1 11/19/03 00 0437135429 01 01/01/04 0 3274013998 O 12/01/33 0 8930318 N67/G02 F 241,000.00 ZZ 360 240,771.33 1 6.250 1,483.88 65 6.000 1,483.88 MIDDLEBORO MA 02346 5 11/17/03 00 0437135858 05 01/01/04 0 3274014303 O 12/01/33 0 8930344 N67/G02 F 100,000.00 ZZ 360 99,907.38 1 6.375 623.87 61 6.125 623.87 MELROSE NY 12121 1 11/19/03 00 0437135940 05 01/01/04 0 1 3274014360 O 12/01/33 0 8930354 N67/G02 F 120,100.00 ZZ 360 119,996.59 1 6.750 778.97 51 6.500 778.97 DIGHTON MA 02715 5 11/20/03 00 0437135981 05 01/01/04 0 3274014418 O 12/01/33 0 8930432 N67/G02 F 150,000.00 ZZ 360 149,877.05 2 7.000 997.95 58 6.750 997.95 BLACKSTONE MA 01504 5 11/17/03 00 0437136104 05 01/01/04 0 3274014528 O 12/01/33 0 8930494 N67/G02 F 168,000.00 ZZ 360 167,875.32 1 7.500 1,174.68 80 7.250 1,174.68 DUMFRIES VA 22026 1 11/07/03 00 0437136328 03 01/01/04 0 3275003958 O 12/01/33 0 8930762 N67/G02 F 150,000.00 ZZ 360 149,861.08 1 6.375 935.80 80 6.125 935.80 LITTLETON CO 80120 5 11/18/03 00 0437136856 05 01/01/04 0 1162003243 O 12/01/33 0 8930854 N67/G02 F 190,450.00 T 360 190,305.08 1 7.375 1,315.39 50 7.125 1,315.39 HENDERSON NV 89052 1 11/21/03 00 0437137045 03 01/01/04 0 1162003343 O 12/01/33 0 1 8930970 N67/G02 F 307,000.00 ZZ 360 306,772.16 1 7.500 2,146.59 49 7.250 2,146.59 SANTA BARBARA CA 93110 5 11/20/03 00 0437137193 05 01/01/04 0 1360002488 N 12/01/33 0 8931094 N67/G02 F 382,000.00 T 360 381,581.88 1 5.500 2,168.95 59 5.250 2,168.95 GRAND LAKE CO 80447 2 11/21/03 00 0437137433 05 01/01/04 0 1781007690 O 12/01/33 0 8931158 N74/G02 F 105,500.00 ZZ 360 105,322.23 1 6.875 693.06 79 6.625 693.06 CLEVELAND TN 37312 5 11/20/03 00 0437081649 05 12/25/03 0 2200001501 O 11/25/33 0 8931378 E11/G02 F 176,400.00 ZZ 360 176,248.12 4 6.750 1,144.13 90 6.500 1,144.13 COKATO MN 55321 1 12/01/03 14 0437199979 05 01/01/04 25 0003001066061 N 12/01/33 0 8931460 N67/G02 F 218,000.00 ZZ 360 217,793.16 1 6.250 1,342.26 80 6.000 1,342.26 PEORIA AZ 85381 1 11/17/03 00 0437137706 05 01/01/04 0 1781007941 O 12/01/33 0 8931502 M37/G02 F 148,000.00 ZZ 360 147,866.21 1 6.500 935.46 80 6.250 935.46 1 PINE CO 80470 1 11/26/03 00 0437156938 05 01/01/04 0 616478 O 12/01/33 0 8931636 N67/G02 F 639,500.00 ZZ 360 638,161.44 1 5.750 3,731.95 80 5.500 3,731.95 FARMINGTON CT 06085 2 10/30/03 00 0437138019 05 12/01/03 0 1785004821 O 11/01/33 0 8931658 N67/G02 F 165,000.00 ZZ 360 164,629.38 1 5.375 923.96 79 5.125 923.96 SEYMOUR CT 06483 1 10/30/03 00 0437138050 05 12/01/03 0 1785004858 O 11/01/33 0 8931672 N67/G02 F 140,000.00 ZZ 360 139,491.90 1 5.500 794.91 80 5.250 794.91 BROOKFIELD MA 01506 5 11/03/03 00 0437138084 05 12/01/03 0 1785004866 O 11/01/33 0 8931680 N67/G02 F 120,000.00 ZZ 360 119,849.02 1 4.750 625.98 36 4.500 625.98 GUILFORD CT 06437 2 11/05/03 00 0437138118 05 01/01/04 0 1785004871 O 12/01/33 0 8931692 N67/G02 F 154,000.00 ZZ 360 153,645.94 1 5.250 850.40 79 5.000 850.40 WAYNESBORO PA 17268 5 10/31/03 00 0437138134 05 12/01/03 0 1785004881 O 11/01/33 0 1 8931704 N67/G02 F 650,000.00 ZZ 360 648,639.47 1 5.750 3,793.22 79 5.500 3,793.22 LOS ANGELES CA 90068 2 10/28/03 00 0437138159 05 12/01/03 0 1785004891 O 11/01/33 0 8931734 N67/G02 F 280,000.00 ZZ 360 279,686.25 1 5.375 1,567.92 80 5.125 1,567.92 MURRIETA CA 92562 1 11/03/03 00 0437138217 01 01/01/04 0 1785004947 O 12/01/33 0 8931748 N67/G02 F 407,920.00 ZZ 360 407,003.77 1 5.375 2,284.23 80 5.125 2,284.23 TEMECULA CA 92591 1 10/22/03 00 0437138282 05 12/01/03 0 1785004962 O 11/01/33 0 8931752 N67/G02 F 275,500.00 ZZ 360 274,866.59 1 5.250 1,521.33 58 5.000 1,521.33 GRAFTON MA 01519 2 10/30/03 00 0437138308 05 12/01/03 0 1785004975 O 11/01/33 0 8931758 N67/G02 F 247,000.00 ZZ 360 246,735.94 1 5.625 1,421.87 74 5.375 1,421.87 ENCINO CA 91316 5 11/03/03 00 0437138332 05 01/01/04 0 1785005007 O 12/01/33 0 8931770 N67/G02 F 380,000.00 ZZ 360 379,564.13 1 1 5.250 2,098.37 67 5.000 2,098.37 HUNTINGTON BEAC CA 92647 1 11/03/03 00 0437138373 05 01/01/04 0 1785005017 O 12/01/33 0 8931848 N67/G02 F 269,500.00 ZZ 360 269,190.87 1 5.250 1,488.19 70 5.000 1,488.19 CORONA CA 92881 2 11/04/03 00 0437138555 05 01/01/04 0 1785005058 O 12/01/33 0 8931878 N67/G02 F 116,800.00 ZZ 360 116,558.20 1 5.875 690.92 80 5.625 690.92 NORTH LAS VEGAS NV 89032 2 10/28/03 00 0437138639 05 12/01/03 0 1162003180 O 11/01/33 0 8931888 N67/G02 F 120,000.00 ZZ 360 119,760.48 1 6.000 719.46 48 5.750 719.46 COLORADO SPRING CO 80921 1 10/31/03 00 0437138662 03 12/01/03 0 1162003208 O 11/01/33 0 8931914 N67/G02 F 350,000.00 ZZ 360 348,661.20 1 6.250 2,155.01 70 6.000 2,155.01 TRACY CA 95377 1 08/28/03 00 0437187172 05 10/01/03 0 1165002745 O 09/01/33 0 8932060 N67/G02 F 338,500.00 ZZ 360 337,774.54 1 5.625 1,948.60 79 5.375 1,948.60 SANTA ANA CA 92706 2 10/31/03 00 0437139199 05 12/01/03 0 1 1781007571 O 11/01/33 0 8932068 N67/G02 F 89,900.00 ZZ 360 89,824.47 1 6.875 590.58 53 6.625 590.58 JACKSONVILLE FL 32205 1 11/17/03 00 0437139223 05 01/01/04 0 3252006186 O 12/01/33 0 8932130 R84/G02 F 91,200.00 ZZ 360 91,200.00 1 6.250 561.53 95 6.000 561.53 UNION CITY MI 49094 5 11/26/03 11 0437112485 05 02/01/04 30 0103111902 O 01/01/34 0 8932250 N67/G02 F 205,000.00 ZZ 360 204,580.96 2 5.875 1,212.65 60 5.625 1,212.65 NORWALK CT 06854 2 10/24/03 00 0437139611 05 12/01/03 0 1785004828 N 11/01/33 0 8932280 N67/G02 F 248,500.00 ZZ 360 247,848.04 1 4.875 1,315.08 56 4.625 1,315.08 SHREWSBURY MA 01545 2 10/20/03 00 0437139702 05 12/01/03 0 1785004856 O 11/01/33 0 8932300 N67/G02 F 139,800.00 T 360 139,693.63 1 7.375 965.56 70 7.125 965.56 PORT SAINT LUCI FL 34953 1 11/24/03 00 0437139769 05 01/01/04 0 3254008877 O 12/01/33 0 1 8932314 E57/G02 F 160,000.00 ZZ 360 159,855.36 1 6.500 1,011.31 78 6.250 1,011.31 MAYWOOD CA 90270 5 11/24/03 00 0437107170 05 01/01/04 0 06020154 O 12/01/33 0 8932316 N67/G02 F 322,700.00 ZZ 360 321,975.18 1 5.375 1,807.03 76 5.125 1,807.03 WHITTIER CA 90603 1 10/10/03 00 0437139793 05 12/01/03 0 1785004886 O 11/01/33 0 8932500 N67/G02 F 92,000.00 ZZ 360 91,916.83 1 6.500 581.50 80 6.250 581.50 NORTH MIAMI BEA FL 33179 1 11/18/03 00 0437140122 01 01/01/04 0 3254009090 O 12/01/33 0 8932774 N67/G02 F 243,500.00 ZZ 360 242,953.07 1 5.375 1,363.53 78 5.125 1,363.53 CLEARWATER FL 33761 2 10/30/03 00 0437140817 05 12/01/03 0 3254009050 O 11/01/33 0 8932864 N67/G02 F 148,000.00 ZZ 360 147,884.55 1 7.250 1,009.62 80 7.000 1,009.62 BOCA RATON FL 33434 1 11/18/03 00 0437141096 03 01/01/04 0 3254009386 O 12/01/33 0 8933056 N67/G02 F 205,000.00 ZZ 360 204,810.13 1 6.375 1,278.93 63 6.125 1,278.93 1 CAPE CORAL FL 33914 2 11/20/03 00 0437141724 05 01/01/04 0 3254009563 O 12/01/33 0 8933134 N67/G02 F 108,000.00 ZZ 360 107,796.06 1 6.625 691.54 80 6.375 691.54 LILBURN GA 30047 1 10/22/03 00 0437141963 05 12/01/03 0 3255004785 N 11/01/33 0 8933182 N67/G02 F 55,000.00 ZZ 360 54,959.18 1 7.500 384.57 64 7.250 384.57 MEMPHIS TN 38122 5 11/03/03 00 0437142201 05 01/01/04 0 3255004866 O 12/01/33 0 8933856 N67/G02 F 230,000.00 ZZ 360 229,792.07 2 6.500 1,453.76 75 6.250 1,453.76 CHICAGO IL 60634 5 11/06/03 00 0437142466 05 01/01/04 0 3262007675 O 12/01/33 0 8934016 N67/G02 F 98,000.00 ZZ 360 97,842.81 1 7.125 660.24 56 6.875 660.24 CHAPLIN CT 06235 5 10/31/03 00 0437143035 05 12/01/03 0 3274013244 O 11/01/33 0 8934034 N67/G02 F 262,500.00 ZZ 360 262,279.47 2 6.875 1,724.44 72 6.625 1,724.44 ELIZABETH NJ 07208 5 11/21/03 00 0437143126 05 01/01/04 0 3261006030 O 12/01/33 0 1 8934056 N67/G02 F 305,000.00 ZZ 360 304,737.41 2 6.750 1,978.22 77 6.500 1,978.22 CHICAGO IL 60641 5 11/17/03 00 0437143209 05 01/01/04 0 3261006076 O 12/01/33 0 8934078 N67/G02 F 328,000.00 ZZ 360 327,405.37 1 6.500 2,073.18 80 6.250 2,073.18 BETHPAGE NY 11714 5 10/29/03 00 0437143324 05 12/01/03 0 3274013631 O 11/01/33 0 8934120 N67/G02 F 82,600.00 ZZ 360 82,532.29 1 7.000 549.54 70 6.750 549.54 FORT LAUDERDALE FL 33305 1 11/07/03 00 0437143498 01 01/01/04 0 3274013884 O 12/01/33 0 8934134 N67/G02 F 120,000.00 ZZ 360 119,736.70 1 5.500 681.35 52 5.250 681.35 CENTRAL ISLIP NY 11722 5 10/30/03 00 0437143530 03 12/01/03 0 3274013902 O 11/01/33 0 8934206 N67/G02 F 95,200.00 ZZ 360 95,127.56 1 7.375 657.52 80 7.125 657.52 CHICAGO IL 60620 5 11/18/03 00 0437143803 05 01/01/04 0 3262007692 O 12/01/33 0 8934390 N67/G02 F 52,800.00 ZZ 360 52,699.54 1 1 6.250 325.10 80 6.000 325.10 PRUDENVILLE MI 48651 1 11/01/03 00 0437144363 05 12/01/03 0 3265005028 O 11/01/33 0 8934402 N67/G02 F 275,000.00 ZZ 360 274,489.23 2 6.375 1,715.65 63 6.125 1,715.65 CHICAGO IL 60647 5 10/31/03 00 0437144413 05 12/01/03 0 3265005052 O 11/01/33 0 8934420 N67/G02 F 99,000.00 ZZ 360 98,918.85 1 7.000 658.65 77 6.750 658.65 PLAINFIELD MI 49525 1 11/07/03 00 0437144470 05 01/01/04 0 3265005117 O 12/01/33 0 8935066 E22/G02 F 90,400.00 ZZ 360 90,322.17 1 6.750 586.33 80 6.500 586.33 ASHEVILLE NC 28806 2 12/05/03 00 0419272646 05 01/01/04 0 0419272646 N 12/01/33 0 8935242 E22/G02 F 267,750.00 ZZ 360 267,535.89 4 7.125 1,803.88 90 6.875 1,803.88 LEE'S SUMMIT MO 64086 1 12/04/03 01 0418738647 05 01/01/04 25 0418738647 N 12/01/33 0 8935292 E22/G02 F 208,000.00 ZZ 360 207,816.48 1 6.625 1,331.85 47 6.375 1,331.85 NEW BALTIMORE MI 48047 2 12/05/03 00 0418805990 05 01/01/04 0 1 0418805990 N 12/01/33 0 8935346 E22/G02 F 112,500.00 ZZ 360 112,405.49 1 6.875 739.04 90 6.625 739.04 VANCLEAVE MS 39565 5 12/01/03 11 0418843223 05 01/01/04 25 0418843223 O 12/01/33 0 8935378 E22/G02 F 260,000.00 TX 360 259,759.19 1 6.375 1,622.06 75 6.125 1,622.06 FREDERICKSBURG TX 78624 5 11/21/03 00 0418858734 05 01/01/04 0 0418858734 O 12/01/33 0 8935462 E22/G02 F 244,000.00 ZZ 360 244,000.00 2 6.500 1,542.25 80 6.250 1,542.25 INGLEWOOD CA 90304 5 12/02/03 00 0418929121 05 02/01/04 0 0418929121 N 01/01/34 0 8935494 E22/G02 F 242,250.00 ZZ 360 242,056.28 1 7.125 1,632.08 95 6.875 1,632.08 KANSAS CITY MO 64116 5 12/01/03 01 0418946612 05 01/01/04 30 0418946612 O 12/01/33 0 8935500 E22/G02 F 185,500.00 ZZ 360 185,336.33 1 6.625 1,187.78 78 6.375 1,187.78 CALIFORNIA MD 20619 5 12/01/03 00 0418948261 05 01/01/04 0 0418948261 O 12/01/33 0 1 8935526 E22/G02 F 80,000.00 ZZ 360 79,931.12 2 6.750 518.88 90 6.500 518.88 GREAT FALLS MT 59404 1 12/05/03 01 0418962130 05 01/01/04 25 0418962130 N 12/01/33 0 8935598 E22/G02 F 65,000.00 ZZ 360 64,945.40 1 6.875 427.00 36 6.625 427.00 HIALEAH FL 33013 5 12/05/03 00 0419029426 05 01/01/04 0 0419029426 N 12/01/33 0 8935618 E22/G02 F 51,300.00 ZZ 360 51,300.00 1 7.000 341.30 90 6.750 341.30 WARSAW IN 46590 1 12/05/03 04 0419033873 05 02/01/04 25 0419033873 N 01/01/34 0 8935626 E22/G02 F 68,390.00 ZZ 360 68,390.00 1 6.750 443.58 90 6.500 443.58 GALLOWAY NJ 08205 1 12/05/03 01 0419034509 01 02/01/04 25 0419034509 N 01/01/34 0 8935690 E22/G02 F 105,300.00 ZZ 360 105,207.09 1 6.625 674.25 90 6.375 674.25 MANATEE FL 34205 1 12/05/03 04 0419053418 05 01/01/04 25 0419053418 N 12/01/33 0 8935696 E22/G02 F 87,200.00 ZZ 360 87,119.24 1 6.375 544.01 80 6.125 544.01 1 HARRISON MI 48625 5 12/01/03 00 0419053558 05 01/01/04 0 0419053558 O 12/01/33 0 8935762 E22/G02 F 261,600.00 ZZ 360 261,345.74 1 6.125 1,589.51 80 5.875 1,589.51 SUNNY ISLES FL 33160 1 12/05/03 00 0419065628 06 01/01/04 0 0419065628 O 12/01/33 0 8935980 E22/G02 F 129,870.00 ZZ 240 129,593.06 1 6.125 939.82 90 5.875 939.82 CANDLER NC 28715 2 11/24/03 01 0419141528 05 01/01/04 25 0419141528 O 12/01/23 0 8936016 E22/G02 F 197,900.00 ZZ 360 197,900.00 1 6.625 1,267.18 90 6.375 1,267.18 ATLANTA GA 30331 1 12/05/03 10 0419150016 05 02/01/04 25 0419150016 N 01/01/34 0 8936084 E22/G02 F 74,610.00 ZZ 360 74,545.76 1 6.750 483.92 90 6.500 483.92 MILLBROOK AL 36054 1 12/05/03 04 0419158084 05 01/01/04 25 0419158084 N 12/01/33 0 8936144 E22/G02 F 308,750.00 ZZ 360 308,750.00 1 6.875 2,028.27 95 6.625 2,028.27 BELLEVUE WA 98005 1 12/02/03 10 0419174701 05 02/01/04 30 0419174701 O 01/01/34 0 1 8936184 E22/G02 F 92,800.00 ZZ 360 92,720.10 1 6.750 601.90 80 6.500 601.90 SAINT PETERSBUR FL 33710 1 12/02/03 00 0419182886 05 01/01/04 0 0419182886 N 12/01/33 0 8936198 E82/G02 F 195,000.00 ZZ 360 195,000.00 3 7.250 1,330.24 59 7.000 1,330.24 LAWRENCE MA 01843 5 12/01/03 00 0400918900 05 02/01/04 0 0400918900 N 01/01/34 0 8936274 E22/G02 F 394,250.00 ZZ 360 394,250.00 1 6.625 2,524.43 95 6.375 2,524.43 READING MA 01867 1 12/05/03 01 0419196829 05 02/01/04 30 0419196829 O 01/01/34 0 8936292 E22/G02 F 73,600.00 ZZ 360 73,538.17 1 6.875 483.50 80 6.625 483.50 DURHAM NC 27707 2 12/05/03 00 0419203906 05 01/01/04 0 0419203906 N 12/01/33 0 8936334 E22/G02 F 50,400.00 ZZ 360 50,400.00 2 6.875 331.09 90 6.625 331.09 KNOXVILLE TN 37914 1 12/05/03 10 0419215892 05 02/01/04 25 0419215892 N 01/01/34 0 8936414 E22/G02 F 38,500.00 ZZ 360 38,469.96 1 1 7.250 262.64 75 7.000 262.64 QUINCY MI 49082 1 12/05/03 00 0419246822 05 01/01/04 0 0419246822 N 12/01/33 0 8936478 E22/G02 F 100,000.00 ZZ 360 99,902.81 1 6.125 607.61 80 5.875 607.61 TULARE CA 93274 1 11/26/03 00 0419094578 05 01/01/04 0 0419094578 O 12/01/33 0 8936484 E22/G02 F 409,600.00 ZZ 360 409,600.00 1 6.375 2,555.37 80 6.125 2,555.37 DIAMOND BAR CA 91765 1 12/01/03 00 0419094792 05 02/01/04 0 0419094792 O 01/01/34 0 8936766 E47/G02 F 103,000.00 ZZ 360 102,913.46 1 6.875 676.64 80 6.625 676.64 SHEPHERDSTOWN WV 25443 1 11/12/03 00 0437070824 05 01/01/04 0 7351010162 N 12/01/33 0 8936864 642/G02 F 186,750.00 ZZ 360 186,750.00 1 6.875 1,226.81 90 6.625 1,226.81 MORENO VALLEY CA 92553 5 12/02/03 11 0437180847 05 02/01/04 25 10111603 O 01/01/34 0 8937100 X62/G02 F 149,600.00 ZZ 360 149,600.00 1 6.375 933.31 80 6.125 933.31 ALGONA WA 98001 1 12/01/03 00 0437211030 05 02/01/04 0 1 03310354 O 01/01/34 0 8937602 N47/G02 F 370,000.00 ZZ 360 370,000.00 1 6.750 2,399.81 88 6.500 2,399.81 KENT WA 98042 5 12/01/03 11 0437151889 05 02/01/04 25 60501048 O 01/01/34 0 8938828 U05/G02 F 105,675.00 TX 360 105,579.47 1 6.500 667.94 60 6.250 667.94 LIBERTY HILL TX 78642 5 11/21/03 00 0437111859 05 01/01/04 0 3000442232 O 12/01/33 0 8942172 E22/G02 F 97,600.00 TX 360 97,600.00 1 6.500 616.90 80 6.250 616.90 MESQUITE TX 75150 5 12/02/03 00 0419191234 05 02/01/04 0 0419191234 O 01/01/34 0 8942182 E22/G02 F 88,000.00 ZZ 360 88,000.00 1 7.375 607.79 80 7.125 607.79 MIAMI FL 33186 1 12/08/03 00 0419197454 01 02/01/04 0 0419197454 N 01/01/34 0 8942190 E22/G02 F 52,000.00 ZZ 360 51,955.23 1 6.750 337.27 80 6.500 337.27 CONVERSE TX 78109 1 12/02/03 00 0419205414 03 01/01/04 0 0419205414 N 12/01/33 0 1 8942198 E22/G02 F 206,000.00 ZZ 360 206,000.00 1 6.750 1,336.11 70 6.500 1,336.11 PAGOSA SPRINGS CO 81147 5 12/03/03 00 0419218342 05 02/01/04 0 0419218342 O 01/01/34 0 8942200 E22/G02 F 207,000.00 ZZ 360 207,000.00 1 6.375 1,291.41 60 6.125 1,291.41 FREMONT CA 94536 5 11/26/03 00 0419220355 05 02/01/04 0 0419220355 O 01/01/34 0 8942202 E22/G02 F 41,200.00 ZZ 360 41,200.00 1 6.375 257.03 80 6.125 257.03 GASDEN AL 35903 1 12/08/03 00 0419223227 05 02/01/04 0 0419223227 O 01/01/34 0 8942206 E22/G02 F 123,750.00 ZZ 360 123,750.00 4 6.625 792.38 90 6.375 792.38 DECATUR AL 35601 1 12/08/03 04 0419224522 05 02/01/04 25 0419224522 N 01/01/34 0 8942226 E22/G02 F 400,000.00 ZZ 360 400,000.00 1 6.250 2,462.87 80 6.000 2,462.87 SANTA FE NM 87505 2 12/02/03 00 0418554366 05 02/01/04 0 0418554366 O 01/01/34 0 8942298 E22/G02 F 177,600.00 ZZ 360 177,600.00 1 5.875 1,050.57 80 5.625 1,050.57 1 BROKEN ARROW OK 74012 2 12/02/03 00 0418895918 03 02/01/04 0 0418895918 O 01/01/34 0 8942300 356/356 F 360,000.00 ZZ 360 359,690.04 1 6.750 2,334.96 80 6.500 2,334.96 PINOLE CA 94564 5 11/07/03 00 29114113 05 01/01/04 0 29114113 O 12/01/33 0 8942302 E22/G02 F 56,000.00 ZZ 240 56,000.00 1 6.625 421.65 80 6.375 421.65 OKLAHOMA CITY OK 73107 5 12/03/03 00 0418907036 05 02/01/04 0 0418907036 O 01/01/24 0 8942316 E22/G02 F 106,000.00 ZZ 360 106,000.00 1 6.000 635.52 83 5.750 635.52 COSBY TN 37722 2 12/03/03 10 0418922589 05 02/01/04 12 0418922589 O 01/01/34 0 8942376 E22/G02 F 321,690.00 ZZ 360 321,690.00 1 6.000 1,928.69 72 5.750 1,928.69 WEST DUNDEE IL 60118 1 12/08/03 00 0418952263 03 02/01/04 0 0418952263 O 01/01/34 0 8942410 E22/G02 F 109,462.00 ZZ 360 109,462.00 1 6.250 673.98 75 6.000 673.98 VALRICO FL 33594 1 12/08/03 00 0419006705 03 02/01/04 0 0419006705 N 01/01/34 0 1 8942476 E22/G02 F 113,200.00 ZZ 360 113,092.59 1 6.250 696.99 80 6.000 696.99 MCKINNEY TX 75070 2 12/02/03 00 0419086939 05 01/01/04 0 0419086939 O 12/01/33 0 8942492 E22/G02 F 115,000.00 ZZ 360 115,000.00 1 5.750 671.11 46 5.500 671.11 FRESNO CA 93720 2 12/01/03 00 0419101894 05 02/01/04 0 0419101894 O 01/01/34 0 8942506 E22/G02 F 78,300.00 ZZ 360 78,300.00 1 6.500 494.91 90 6.250 494.91 PURCELL OK 73080 5 12/03/03 01 0419109483 05 02/01/04 25 0419109483 O 01/01/34 0 8942570 E22/G02 F 210,000.00 ZZ 360 210,000.00 1 6.250 1,293.01 69 6.000 1,293.01 MOUNT HOLLY NC 28120 2 12/02/03 00 0419130026 05 02/01/04 0 0419130026 O 01/01/34 0 8942614 E22/G02 F 224,000.00 TX 360 224,000.00 1 6.500 1,415.83 80 6.250 1,415.83 HOUSTON TX 77007 5 12/02/03 00 0419235403 05 02/01/04 0 0419235403 O 01/01/34 0 8942668 E22/G02 F 94,500.00 ZZ 360 94,500.00 1 1 6.125 574.19 90 5.875 574.19 GREENACRES FL 33463 1 12/08/03 11 0419151634 09 02/01/04 25 0419151634 N 01/01/34 0 8943092 Q14/G02 F 120,000.00 ZZ 360 120,000.00 1 6.250 738.86 100 6.000 738.86 CEDAR RAPIDS IA 52402 1 12/01/03 01 0437129414 05 02/01/04 35 000317225 O 01/01/34 0 8943176 K15/G02 F 209,000.00 ZZ 360 209,000.00 1 6.500 1,321.02 84 6.250 1,321.02 ROSEVILLE MN 55113 5 11/26/03 41 0437104227 05 02/01/04 12 013105523006 O 01/01/34 0 8943222 253/253 F 30,000.00 ZZ 360 29,974.80 1 6.875 197.08 75 6.625 197.08 DALLAS TX 75240 1 11/24/03 00 334308 01 01/01/04 0 334308 N 12/01/33 0 8943440 B57/G02 F 121,500.00 ZZ 360 121,390.17 1 6.500 767.96 90 6.250 767.96 BAKERSFIELD CA 93313 1 11/18/03 10 0437178700 05 01/01/04 25 21008544 N 12/01/33 0 8943550 B23/G02 F 228,000.00 ZZ 360 228,000.00 1 6.500 1,441.12 80 6.250 1,441.12 WEST COVINA CA 91790 1 12/03/03 00 0437110489 05 02/01/04 0 1 80004341 O 01/01/34 0 8943722 P01/G02 F 108,000.00 ZZ 360 107,923.77 4 7.750 773.73 90 7.500 773.73 GLENS FALLS NY 12801 1 12/01/03 10 0437089253 05 01/01/04 25 03005330 N 12/01/33 0 8943788 T29/G02 F 112,500.00 ZZ 360 112,388.01 1 6.000 674.49 94 5.750 674.49 PHOENIX AZ 85024 5 11/20/03 12 0437108129 01 01/01/04 30 1594739 O 12/01/33 0 8943982 Y19/G02 F 202,500.00 ZZ 360 202,316.94 1 6.500 1,279.94 90 6.250 1,279.94 FORT WASHINGTON MD 20744 1 12/03/03 04 0437160849 05 01/01/04 25 105948 N 12/01/33 0 8944432 369/G02 F 122,850.00 ZZ 360 122,749.29 2 7.000 817.33 90 6.750 817.33 BAKERSFIELD CA 93305 1 11/07/03 12 0437132186 05 01/01/04 25 0077042216 N 12/01/33 0 8944856 998/998 F 387,000.00 ZZ 360 385,212.69 1 5.250 2,137.03 61 5.000 2,137.03 BURBANK CA 91501 2 08/26/03 00 15778629 05 10/01/03 0 5778629 O 09/01/33 0 1 8945294 N74/G02 F 140,800.00 ZZ 360 140,800.00 1 6.500 889.95 80 6.250 889.95 HEMET CA 92545 1 11/24/03 00 0437241177 05 02/01/04 0 4400001043 N 01/01/34 0 8945526 W68/G02 F 244,000.00 ZZ 360 243,546.82 1 6.375 1,522.24 80 6.125 1,522.24 NEW CANEY TX 77357 2 10/31/03 00 0437113657 03 12/01/03 0 3101152 O 11/01/33 0 8945616 E47/G02 F 243,000.00 ZZ 360 242,824.12 3 7.625 1,719.94 90 7.375 1,719.94 LYNN MA 01902 1 12/11/03 10 0437103625 05 01/01/04 25 7359010192 N 12/01/33 0 8945624 W68/G02 F 132,000.00 ZZ 360 131,877.74 1 6.375 823.51 80 6.125 823.51 HOUSTON TX 77063 5 11/21/03 00 0437108897 05 01/01/04 0 3101699 O 12/01/33 0 8945766 E82/G02 F 106,100.00 ZZ 360 106,100.00 1 6.750 688.16 94 6.500 688.16 MBORO TN 37129 2 12/05/03 10 0400925889 05 02/01/04 30 0400925889 O 01/01/34 0 8945780 E82/G02 F 164,700.00 ZZ 360 164,700.00 2 6.875 1,081.96 83 6.625 1,081.96 1 CHICAGO IL 60629 2 12/05/03 04 0400919312 05 02/01/04 12 0400919312 O 01/01/34 0 8945810 E82/G02 F 49,650.00 ZZ 360 49,650.00 1 6.625 317.91 83 6.375 317.91 CAIRO IL 62914 2 12/05/03 10 0400873212 05 02/01/04 12 0400873212 O 01/01/34 0 8946200 N74/G02 F 36,000.00 ZZ 360 35,971.92 1 7.250 245.58 75 7.000 245.58 FORT SMITH AR 72904 5 12/01/03 00 0437110927 05 01/01/04 0 0033844010 N 12/01/33 0 8946226 601/G02 F 500,000.00 ZZ 360 498,576.00 1 5.875 2,957.69 77 5.625 2,957.69 WOODBRIEGE VA 22191 5 10/16/03 00 0437082134 03 12/01/03 0 63626360 O 11/01/33 0 8946324 U05/G02 F 174,300.00 TX 360 174,149.93 1 6.750 1,130.51 80 6.500 1,130.51 FORT WORTH TX 76112 5 11/24/03 00 0437140635 05 01/01/04 0 3000418707 O 12/01/33 0 8946484 X89/G02 F 186,400.00 ZZ 360 186,400.00 1 6.375 1,162.90 80 6.125 1,162.90 PALM DESERT CA 92260 1 12/04/03 00 0437183056 05 02/01/04 0 2025038 O 01/01/34 0 1 8946502 W08/G02 F 262,200.00 ZZ 360 262,200.00 1 6.375 1,635.79 95 6.125 1,635.79 MIAMI FL 33157 1 12/03/03 11 0437189202 05 02/01/04 30 033976MG O 01/01/34 0 8946772 F44/G02 F 59,000.00 ZZ 360 58,946.66 1 6.500 372.92 41 6.250 372.92 ASHLAND OR 97520 2 11/26/03 00 0437191026 01 01/01/04 0 93028164 N 12/01/33 0 8947078 E22/G02 F 81,270.00 ZZ 360 81,270.00 2 6.750 527.12 90 6.500 527.12 CLINTON MS 39056 1 12/04/03 01 0418896577 05 02/01/04 25 0418896577 N 01/01/34 0 8947080 E22/G02 F 245,000.00 ZZ 360 245,000.00 1 6.375 1,528.48 51 6.125 1,528.48 SACRAMENTO CA 95835 1 12/01/03 00 0418898813 03 02/01/04 0 0418898813 O 01/01/34 0 8947084 E22/G02 F 270,000.00 TX 360 270,000.00 1 6.000 1,618.79 65 5.750 1,618.79 AUSTIN TX 78703 5 12/01/03 00 0418908711 05 02/01/04 0 0418908711 O 01/01/34 0 8947092 E22/G02 F 347,200.00 ZZ 360 347,200.00 1 1 6.375 2,166.08 80 6.125 2,166.08 SAN LEANDRO CA 94578 5 12/01/03 00 0418992426 05 02/01/04 0 0418992426 O 01/01/34 0 8947130 E22/G02 F 198,000.00 ZZ 360 198,000.00 4 6.750 1,284.22 75 6.500 1,284.22 NEW BEDFORD MA 02740 5 12/04/03 00 0419016548 05 02/01/04 0 0419016548 O 01/01/34 0 8947154 E22/G02 F 90,400.00 ZZ 360 90,400.00 1 7.000 601.43 80 6.750 601.43 CLEARWATER FL 33756 1 12/08/03 00 0419047345 05 02/01/04 0 0419047345 N 01/01/34 0 8947164 E22/G02 F 289,000.00 ZZ 360 289,000.00 1 6.250 1,779.42 54 6.000 1,779.42 WALNUT CREEK CA 94597 2 12/03/03 00 0419114897 05 02/01/04 0 0419114897 N 01/01/34 0 8947170 E22/G02 F 161,000.00 ZZ 360 161,000.00 2 7.625 1,139.55 70 7.375 1,139.55 EUGENE OR 97408 5 12/05/03 00 0419122601 05 02/01/04 0 0419122601 N 01/01/34 0 8947172 E22/G02 F 157,250.00 ZZ 360 157,250.00 1 6.625 1,006.89 85 6.375 1,006.89 ARDEN HILLS MN 55112 5 12/04/03 01 0419122627 05 02/01/04 12 1 0419122627 O 01/01/34 0 8947204 E22/G02 F 308,000.00 ZZ 360 308,000.00 1 6.500 1,946.77 80 6.250 1,946.77 STANWOOD WA 98292 2 12/04/03 00 0419157060 05 02/01/04 0 0419157060 O 01/01/34 0 8947206 E22/G02 F 103,000.00 ZZ 360 103,000.00 1 6.500 651.03 38 6.250 651.03 HAVERHILL MA 01832 5 12/04/03 00 0419159413 01 02/01/04 0 0419159413 O 01/01/34 0 8947218 E22/G02 F 118,400.00 ZZ 360 118,400.00 1 6.500 748.37 80 6.250 748.37 ALLEN TX 75002 5 12/04/03 00 0419166699 03 02/01/04 0 0419166699 O 01/01/34 0 8947264 E22/G02 F 221,500.00 ZZ 360 221,500.00 1 6.500 1,400.03 68 6.250 1,400.03 NILES MI 49120 5 12/04/03 00 0418688388 05 02/01/04 0 0418688388 O 01/01/34 0 8947342 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.625 1,280.62 89 6.375 1,280.62 JEFFERSON TOWNS NJ 07843 1 12/09/03 01 0419090857 05 02/01/04 30 0419090857 O 01/01/34 0 1 8947350 E22/G02 F 288,750.00 ZZ 360 288,750.00 3 6.375 1,801.42 75 6.125 1,801.42 BROCKTON MA 02301 1 12/05/03 00 0419096201 05 02/01/04 0 0419096201 N 01/01/34 0 8947360 E22/G02 F 276,000.00 ZZ 360 276,000.00 1 6.000 1,654.76 80 5.750 1,654.76 TULSA OK 74135 5 12/04/03 00 0419114780 05 02/01/04 0 0419114780 O 01/01/34 0 8947406 E22/G02 F 36,000.00 ZZ 360 36,000.00 1 6.000 215.84 80 5.750 215.84 LAKE WORTH FL 33461 1 12/09/03 00 0419200258 01 02/01/04 0 0419200258 O 01/01/34 0 8947410 E22/G02 F 501,000.00 ZZ 360 501,000.00 1 6.125 3,044.13 59 5.875 3,044.13 BERTHOUD CO 80513 2 12/04/03 00 0419205729 05 02/01/04 0 0419205729 O 01/01/34 0 8947618 168/168 F 29,600.00 ZZ 360 29,555.92 1 7.500 206.97 80 7.250 206.97 MACEDON NY 14502 1 10/10/03 00 0379618583 05 12/01/03 0 0379618583 N 11/01/33 0 8947738 P59/G02 F 288,523.00 ZZ 360 288,274.58 1 6.750 1,871.36 94 6.500 1,871.36 1 SANTA MARIA CA 93458 1 11/25/03 01 0437104342 05 01/01/04 35 AT008316 O 12/01/33 0 8947780 Q59/G02 F 232,000.00 ZZ 360 231,795.31 1 6.625 1,485.52 80 6.375 1,485.52 RANCHO MIRAGE CA 92270 1 11/20/03 00 0437107832 09 01/01/04 0 0000506402 N 12/01/33 0 8947850 S27/G02 F 87,400.00 ZZ 360 87,400.00 1 6.625 559.64 95 6.375 559.64 CHESAPEAKE VA 23325 5 12/02/03 10 0437108038 05 02/01/04 35 1130017431 O 01/01/34 0 8948606 U85/G02 F 177,000.00 ZZ 360 177,000.00 2 6.250 1,089.82 82 6.000 1,089.82 WINDSOR WI 53598 2 12/08/03 11 0437160898 05 02/01/04 12 TQS526 O 01/01/34 0 8948664 144/144 F 290,000.00 ZZ 360 290,000.00 1 6.250 1,785.58 78 6.000 1,785.58 NEW PALTZ NY 12561 5 12/02/03 00 160745851000000 05 02/01/04 0 03LAWS O 01/01/34 0 8948674 S27/G02 F 99,000.00 ZZ 360 99,000.00 1 6.375 617.64 90 6.125 617.64 SANFORD FL 32771 1 12/05/03 10 0437191448 05 02/01/04 25 1 O 01/01/34 0 1 8948852 144/144 F 145,500.00 ZZ 360 145,500.00 1 6.250 895.87 55 6.000 895.87 OLIVEBRIDGE NY 12461 5 12/02/03 00 160745802000000 05 02/01/04 0 160745802 O 01/01/34 0 8949118 W40/G02 F 76,000.00 ZZ 300 75,898.51 1 6.500 513.16 67 6.250 513.16 LANSING MI 48911 2 11/29/03 00 0437115983 05 01/01/04 0 1022000023 O 12/01/28 0 8952138 N47/G02 F 463,000.00 ZZ 360 462,560.69 1 6.250 2,850.77 72 6.000 2,850.77 MARTINEZ CA 94553 2 11/19/03 00 0437118102 05 01/01/04 0 90503837 O 12/01/33 0 8952382 144/144 F 188,000.00 ZZ 360 187,821.62 1 6.250 1,157.55 80 6.000 1,157.55 ESSEX CT 06423 1 11/26/03 00 160745497000000 01 01/01/04 0 160745497 O 12/01/33 0 8952546 P59/G02 F 268,000.00 ZZ 360 268,000.00 1 6.500 1,693.95 77 6.250 1,693.95 GROVER BEACH CA 93433 5 12/01/03 00 0437118516 03 02/01/04 0 AT008324 O 01/01/34 0 8953274 U35/G02 F 62,000.00 ZZ 360 62,000.00 1 1 6.750 402.13 69 6.500 402.13 HAMMOND IN 46324 5 12/05/03 00 0437130693 05 02/01/04 0 14281211 O 01/01/34 0 8953334 X67/G02 F 206,250.00 ZZ 360 206,054.30 1 6.250 1,269.92 75 6.000 1,269.92 PARAMOUNT CA 90723 5 11/21/03 00 0437120801 05 01/01/04 0 0000432077 O 12/01/33 0 8953388 X67/G02 F 272,000.00 ZZ 360 271,754.10 1 6.500 1,719.23 80 6.250 1,719.23 NORTH HOLLYWOOD CA 91601 2 11/17/03 00 0437113756 05 01/01/04 0 0000431358 O 12/01/33 0 8953540 N67/G02 F 187,800.00 ZZ 360 187,630.23 1 6.500 1,187.02 58 6.250 1,187.02 RALEIGH NC 27613 1 11/25/03 00 0437144736 03 01/01/04 0 1162003130 O 12/01/33 0 8953546 N67/G02 F 185,550.00 ZZ 360 185,327.06 1 5.000 996.07 60 4.750 996.07 LAS VEGAS NV 89138 1 11/24/03 00 0437144751 03 01/01/04 0 1162003278 O 12/01/33 0 8953548 196/G02 F 243,750.00 ZZ 360 243,564.52 1 7.375 1,683.53 74 7.125 1,683.53 BOSTON MA 02215 1 11/18/03 00 0437116676 08 01/01/04 0 1 1725667 N 12/01/33 0 8953576 N67/G02 F 524,000.00 ZZ 360 523,502.81 1 6.250 3,226.36 80 6.000 3,226.36 CASTLE ROCK CO 80104 1 11/14/03 00 0437144843 03 01/01/04 0 1165003014 O 12/01/33 0 8953588 N67/G02 F 192,000.00 ZZ 360 191,838.70 1 6.875 1,261.30 80 6.625 1,261.30 CENTENNIAL CO 80111 1 11/14/03 00 0437144876 05 01/01/04 0 1165003039 O 12/01/33 0 8953594 N67/G02 F 64,750.00 ZZ 360 64,699.49 1 7.250 441.71 70 7.000 441.71 INVERNESS FL 34452 1 11/05/03 00 0437185820 05 01/01/04 0 1165003054 O 12/01/33 0 8953598 N67/G02 F 139,200.00 ZZ 360 139,074.16 1 6.500 879.84 80 6.250 879.84 COLORADO SPRING CO 80919 1 11/12/03 00 0437144892 03 01/01/04 0 1165003069 O 12/01/33 0 8953766 N67/G02 F 343,920.00 ZZ 360 343,601.46 1 6.375 2,145.62 80 6.125 2,145.62 NEWTOWN CT 06482 1 11/07/03 00 0437145121 05 01/01/04 0 1785004810 O 12/01/33 0 1 8953778 N67/G02 F 463,000.00 ZZ 360 462,468.92 1 5.250 2,556.71 56 5.000 2,556.71 AMESBURY MA 01913 2 11/11/03 00 0437145154 05 01/01/04 0 1785004912 O 12/01/33 0 8953784 N67/G02 F 294,000.00 ZZ 360 293,630.11 1 4.750 1,533.64 60 4.500 1,533.64 NEW FAIRFIELD CT 06812 2 11/13/03 00 0437145162 05 01/01/04 0 1785004913 O 12/01/33 0 8953794 N67/G02 F 498,000.00 ZZ 360 497,441.97 1 5.375 2,788.66 62 5.125 2,788.66 LAGUNA BEACH CA 92651 2 11/06/03 00 0437145196 05 01/01/04 0 1785004950 O 12/01/33 0 8953830 N67/G02 F 575,000.00 ZZ 360 574,340.46 1 5.250 3,175.17 66 5.000 3,175.17 CAMARILLO CA 93010 1 11/06/03 00 0437145303 05 01/01/04 0 1785005079 O 12/01/33 0 8953870 N67/G02 F 122,500.00 ZZ 360 122,386.54 1 6.375 764.24 70 6.125 764.24 INDIAN TRAIL NC 28079 1 11/25/03 00 0437145394 05 01/01/04 0 3252006247 O 12/01/33 0 8954338 N67/G02 F 60,900.00 ZZ 360 60,850.08 1 7.000 405.17 63 6.750 405.17 1 ROME CITY IN 46784 2 11/25/03 00 0437146244 05 01/01/04 0 3262007812 N 12/01/33 0 8954410 N67/G02 F 92,400.00 ZZ 360 92,258.95 1 7.375 638.18 70 7.125 638.18 ROCKFORD IL 61114 1 10/29/03 00 0437146475 05 12/01/03 0 3265005132 N 11/01/33 0 8954472 N67/G02 F 268,000.00 ZZ 360 267,733.20 1 6.000 1,606.80 80 5.750 1,606.80 STERLING VA 20165 1 11/26/03 00 0437146574 05 01/01/04 0 3274012998 O 12/01/33 0 8954614 N67/G02 F 64,400.00 ZZ 360 64,348.51 2 7.125 433.87 70 6.875 433.87 PORTSMOUTH VA 23704 1 11/26/03 00 0437146921 05 01/01/04 0 3274014584 N 12/01/33 0 8954684 N67/G02 F 260,000.00 ZZ 360 259,786.88 1 7.000 1,729.79 80 6.750 1,729.79 NEW CITY NY 10956 1 11/17/03 00 0437147143 05 01/01/04 0 3275003947 O 12/01/33 0 8955246 Y72/G02 F 73,000.00 ZZ 360 72,932.38 1 6.375 455.43 73 6.125 455.43 FORT DODGE IA 50501 5 11/26/03 00 0437186869 05 01/01/04 0 10063340 O 12/01/33 0 1 8955248 U42/G02 F 340,727.00 ZZ 360 340,418.97 1 6.500 2,153.63 95 6.250 2,153.63 EL DORADO AR 71730 2 11/21/03 12 0437117757 05 01/01/04 30 35300744 O 12/01/33 0 8955266 B98/G02 F 347,200.00 ZZ 360 346,846.01 1 5.875 2,053.82 62 5.625 2,053.82 AROMAS CA 95004 2 11/25/03 00 0437116551 05 01/01/04 0 B9030037VP O 12/01/33 0 8955532 E22/G02 F 108,000.00 ZZ 360 108,000.00 1 6.875 709.48 80 6.625 709.48 LUCEDALE MS 39452 5 12/05/03 00 0418191508 05 02/01/04 0 0418191508 O 01/01/34 0 8955538 E22/G02 F 129,600.00 ZZ 360 129,600.00 1 6.875 851.38 80 6.625 851.38 AUSTIN TX 78735 5 12/04/03 00 0418502787 01 02/01/04 0 0418502787 O 01/01/34 0 8955608 E22/G02 F 240,000.00 ZZ 360 240,000.00 1 5.750 1,400.57 44 5.500 1,400.57 TRACY CA 95376 5 12/01/03 00 0418956298 05 02/01/04 0 0418956298 O 01/01/34 0 8955636 E22/G02 F 388,000.00 ZZ 360 388,000.00 1 1 6.625 2,484.41 95 6.375 2,484.41 BAKERSFIELD CA 93314 2 12/03/03 04 0418996112 03 02/01/04 30 0418996112 O 01/01/34 0 8955672 E22/G02 F 79,600.00 ZZ 360 79,600.00 1 6.375 496.60 80 6.125 496.60 IRVING TX 75062 1 12/10/03 00 0419039870 09 02/01/04 0 0419039870 O 01/01/34 0 8955676 E22/G02 F 116,000.00 ZZ 360 116,000.00 1 6.500 733.20 80 6.250 733.20 ARLINGTON TX 76001 5 12/05/03 00 0419043245 05 02/01/04 0 0419043245 O 01/01/34 0 8955736 E22/G02 F 264,000.00 ZZ 360 264,000.00 1 6.250 1,625.49 80 6.000 1,625.49 BEAUFORT MO 63013 2 12/05/03 00 0419110119 03 02/01/04 0 0419110119 O 01/01/34 0 8955780 E22/G02 F 97,000.00 ZZ 360 97,000.00 1 6.375 605.15 85 6.125 605.15 KALAMAZOO MI 49001 1 12/10/03 01 0419143151 05 02/01/04 20 0419143151 N 01/01/34 0 8955784 E22/G02 F 152,000.00 TX 360 152,000.00 1 6.500 960.74 80 6.250 960.74 KINGSLAND TX 78639 5 12/05/03 00 0419148887 03 02/01/04 0 1 0419148887 O 01/01/34 0 8955788 E22/G02 F 76,500.00 ZZ 360 76,500.00 1 8.000 561.33 85 7.750 561.33 TROY MO 63379 5 12/05/03 04 0419151287 05 02/01/04 12 0419151287 O 01/01/34 0 8955794 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 6.250 615.72 74 6.000 615.72 UNION CITY GA 30291 1 12/10/03 00 0419154315 05 02/01/04 0 0419154315 N 01/01/34 0 8955826 E22/G02 F 93,000.00 ZZ 360 93,000.00 1 6.375 580.20 75 6.125 580.20 DANVILLE VA 24540 5 12/05/03 00 0419175310 05 02/01/04 0 0419175310 O 01/01/34 0 8955850 E22/G02 F 253,650.00 ZZ 360 253,650.00 1 6.375 1,582.45 95 6.125 1,582.45 MADERA CA 93638 1 12/04/03 01 0419191424 05 02/01/04 30 0419191424 O 01/01/34 0 8955868 E22/G02 F 256,000.00 TX 360 256,000.00 1 6.375 1,597.11 80 6.125 1,597.11 AUSTIN TX 78738 5 12/05/03 00 0419207667 03 02/01/04 0 0419207667 O 01/01/34 0 1 8955870 E22/G02 F 162,925.00 ZZ 360 162,925.00 1 6.750 1,056.73 95 6.500 1,056.73 OCALA FL 34471 5 12/05/03 11 0419207964 05 02/01/04 30 0419207964 O 01/01/34 0 8955886 E22/G02 F 272,000.00 ZZ 360 272,000.00 1 6.375 1,696.93 80 6.125 1,696.93 ANTIOCH CA 94531 5 12/01/03 00 0419208525 05 02/01/04 0 0419208525 O 01/01/34 0 8955892 E22/G02 F 126,750.00 ZZ 360 126,750.00 1 6.375 790.76 75 6.125 790.76 LACEY WA 98503 2 12/04/03 00 0419214606 03 02/01/04 0 0419214606 N 01/01/34 0 8955910 E22/G02 F 82,800.00 ZZ 360 82,800.00 1 6.375 516.56 80 6.125 516.56 PELHAM AL 35124 1 12/10/03 00 0419225263 09 02/01/04 0 0419225263 O 01/01/34 0 8955916 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 6.250 615.72 80 6.000 615.72 GREEN ACRES FL 33415 1 12/10/03 00 0419232160 09 02/01/04 0 0419232160 N 01/01/34 0 8955928 E22/G02 F 336,000.00 ZZ 360 336,000.00 1 6.250 2,068.81 80 6.000 2,068.81 1 PENN VALLEY CA 95946 2 12/03/03 00 0419238134 03 02/01/04 0 0419238134 O 01/01/34 0 8955940 E22/G02 F 164,000.00 ZZ 360 164,000.00 1 6.000 983.26 43 5.750 983.26 EAGLE CREEK OR 97022 5 12/04/03 00 0419250824 05 02/01/04 0 0419250824 O 01/01/34 0 8955952 E22/G02 F 75,750.00 ZZ 360 75,750.00 1 6.750 491.31 75 6.500 491.31 FRESNO CA 93705 5 12/03/03 00 0419259692 05 02/01/04 0 0419259692 N 01/01/34 0 8955954 E22/G02 F 366,050.00 ZZ 360 366,050.00 1 6.250 2,253.83 80 6.000 2,253.83 CORONA CA 92880 1 12/04/03 00 0419260351 05 02/01/04 0 0419260351 O 01/01/34 0 8955966 E22/G02 F 188,000.00 ZZ 360 188,000.00 1 6.500 1,188.29 80 6.250 1,188.29 LEANDER TX 78641 1 12/09/03 00 0419273362 05 02/01/04 0 0419273362 O 01/01/34 0 8955978 E22/G02 F 128,000.00 ZZ 360 128,000.00 2 6.875 840.87 71 6.625 840.87 DEARBORN MI 48126 2 12/10/03 00 0419281084 05 02/01/04 0 0419281084 N 01/01/34 0 1 8955988 E22/G02 F 496,000.00 ZZ 360 496,000.00 1 6.125 3,013.75 80 5.875 3,013.75 SPRINGFIELD NJ 07081 1 12/10/03 00 0419289061 05 02/01/04 0 0419289061 O 01/01/34 0 8956138 H76/G02 F 105,000.00 ZZ 360 104,907.36 1 6.625 672.33 75 6.375 672.33 PORTER ME 04068 5 12/01/03 00 0437114614 05 01/01/04 0 2003526102 O 12/01/33 0 8956144 E82/G02 F 81,000.00 ZZ 360 81,000.00 1 6.750 525.36 65 6.500 525.36 TEANECK NJ 07666 2 12/04/03 00 0400903514 01 02/01/04 0 0400903514 O 01/01/34 0 8957826 U42/G02 F 308,000.00 TX 360 307,721.56 1 6.500 1,946.77 80 6.250 1,946.77 IRVING TX 75062 5 11/24/03 00 0437194343 03 01/01/04 0 12304600 O 12/01/33 0 8958152 H58/G02 F 180,000.00 ZZ 360 179,859.58 1 7.250 1,227.92 75 7.000 1,227.92 SEASIDE OR 97138 2 11/24/03 00 0437131956 01 01/01/04 0 0000192245 N 12/01/33 0 8958260 U05/G02 F 198,000.00 ZZ 360 197,825.30 3 1 6.625 1,267.82 90 6.375 1,267.82 GRAND RAPIDS MI 49503 1 11/25/03 14 0437119787 05 01/01/04 25 3447676 O 12/01/33 0 8959558 952/G02 F 322,700.00 ZZ 360 322,422.16 1 6.750 2,093.03 79 6.500 2,093.03 CHESTNUT RIDGE NY 10977 1 11/26/03 00 0437123409 05 01/01/04 0 03531271 O 12/01/33 0 8959936 B49/G02 F 159,500.00 T 360 159,344.97 1 6.125 969.14 63 5.875 969.14 ESTES PARK CO 80517 2 11/21/03 00 0437128366 20 01/01/04 0 000352140442 O 12/01/33 0 8960136 H58/G02 F 95,250.00 ZZ 360 95,169.97 1 6.875 625.73 75 6.625 625.73 PHOENIX AZ 85013 1 11/25/03 00 0437121056 06 01/01/04 0 0000204015 O 12/01/33 0 8960162 Q31/G02 F 110,000.00 T 360 110,000.00 1 6.250 677.29 63 6.000 677.29 LEWES DE 19958 1 12/09/03 00 0437200934 01 02/01/04 0 MD21636 O 01/01/34 0 8960296 W08/G02 F 391,200.00 ZZ 360 391,200.00 1 6.750 2,537.32 80 6.500 2,537.32 MIAMI FL 33133 1 12/09/03 00 0437207657 01 02/01/04 0 1 034317MG O 01/01/34 0 8960336 Q14/G02 F 103,500.00 ZZ 360 103,500.00 1 6.875 679.92 80 6.625 679.92 IOWA CITY IA 52240 5 12/04/03 00 0437118482 05 02/01/04 0 316964 O 01/01/34 0 8960428 E82/G02 F 73,500.00 ZZ 360 73,500.00 1 6.750 476.72 72 6.500 476.72 MILFORD MI 48381 2 12/08/03 00 0400927273 05 02/01/04 0 0400927273 O 01/01/34 0 8960494 U05/G02 F 532,500.00 ZZ 360 532,006.80 1 6.375 3,322.11 75 6.125 3,322.11 TULSA OK 74136 2 12/02/03 00 0437125842 05 01/01/04 0 3000426736 O 12/01/33 0 8960532 K60/G02 F 33,500.00 ZZ 360 33,500.00 1 7.000 222.88 43 6.750 222.88 BARTLESVILLE OK 74006 5 12/05/03 00 0437129935 05 02/01/04 0 85757 O 01/01/34 0 8960646 U85/G02 F 98,750.00 ZZ 360 98,750.00 1 6.750 640.49 79 6.500 640.49 MILWAUKEE WI 53215 5 12/10/03 00 0437193758 05 02/01/04 0 TQS549 O 01/01/34 0 1 8961068 E22/G02 F 150,000.00 ZZ 360 150,000.00 2 6.125 911.42 75 5.875 911.42 INDIO CA 92201 1 12/02/03 00 0419007273 05 02/01/04 0 0419007273 N 01/01/34 0 8961082 E22/G02 F 224,000.00 ZZ 360 224,000.00 1 6.875 1,471.52 80 6.625 1,471.52 NORTH BABYLON NY 11703 1 12/11/03 00 0419054614 05 02/01/04 0 0419054614 O 01/01/34 0 8961094 E22/G02 F 200,000.00 TX 360 200,000.00 1 6.375 1,247.74 62 6.125 1,247.74 ROUND ROCK TX 78664 5 12/07/03 00 0419077532 03 02/01/04 0 0419077532 O 01/01/34 0 8961134 E22/G02 F 103,650.00 ZZ 360 103,650.00 1 6.500 655.14 80 6.250 655.14 LEANDER TX 78641 1 11/25/03 00 0418889465 03 02/01/04 0 0418889465 N 01/01/34 0 8961144 E22/G02 F 80,100.00 ZZ 360 80,039.05 1 7.375 553.23 90 7.125 553.23 HIRAM GA 30141 1 12/01/03 10 0418924536 05 01/01/04 25 0418924536 N 12/01/33 0 8961156 E22/G02 F 196,000.00 ZZ 360 196,000.00 1 6.125 1,190.92 85 5.875 1,190.92 1 SACRAMENTO CA 95834 5 12/02/03 04 0419106182 05 02/01/04 12 0419106182 O 01/01/34 0 8961174 E22/G02 F 225,000.00 ZZ 360 225,000.00 1 6.250 1,385.36 75 6.000 1,385.36 ELK GROVE CA 95624 1 12/08/03 00 0419139746 05 02/01/04 0 0419139746 N 01/01/34 0 8961200 E22/G02 F 212,000.00 ZZ 360 212,000.00 1 6.000 1,271.05 80 5.750 1,271.05 TWAIN HARTE CA 95383 1 12/02/03 00 0419179312 05 02/01/04 0 0419179312 O 01/01/34 0 8961270 E22/G02 F 118,000.00 ZZ 360 118,000.00 1 6.500 745.84 80 6.250 745.84 WILMINGTON NC 28403 2 12/11/03 00 0419214002 03 02/01/04 0 0419214002 N 01/01/34 0 8961272 E22/G02 F 118,000.00 ZZ 360 118,000.00 1 6.500 745.84 80 6.250 745.84 WILMINGTON NC 28403 2 12/11/03 00 0419216478 03 02/01/04 0 0419216478 N 01/01/34 0 8961280 E22/G02 F 380,000.00 ZZ 360 380,000.00 1 6.000 2,278.29 80 5.750 2,278.29 MORGAN HILL CA 95037 1 12/08/03 00 0419222203 05 02/01/04 0 0419222203 O 01/01/34 0 1 8961288 E22/G02 F 94,750.00 ZZ 360 94,750.00 1 6.750 614.55 80 6.500 614.55 ST. LOUIS MO 63122 2 12/11/03 00 0419231287 05 02/01/04 0 0419231287 N 01/01/34 0 8961300 E22/G02 F 118,000.00 ZZ 360 118,000.00 1 6.500 745.84 80 6.250 745.84 WILMINGTON NC 28403 2 12/11/03 00 0419244967 03 02/01/04 0 0419244967 N 01/01/34 0 8961304 E22/G02 F 136,800.00 ZZ 360 136,800.00 1 7.000 910.13 80 6.750 910.13 CENTRAL POINT OR 97502 5 12/05/03 00 0419251814 05 02/01/04 0 0419251814 O 01/01/34 0 8961346 E22/G02 F 53,600.00 ZZ 360 53,600.00 1 6.375 334.39 80 6.125 334.39 SAINT PETERSBUR FL 33713 1 12/11/03 00 0419293246 05 02/01/04 0 0419293246 N 01/01/34 0 8961446 H58/G02 F 420,000.00 ZZ 360 419,601.49 1 6.250 2,586.01 64 6.000 2,586.01 HUNTINGTON BEAC CA 92647 5 11/06/03 00 0437119548 05 01/01/04 0 198743 O 12/01/33 0 8961458 U19/G02 F 92,400.00 ZZ 360 92,002.08 1 1 5.625 531.91 70 5.375 531.91 GILBERT AZ 85296 1 08/11/03 00 0437118748 03 10/01/03 0 11001421 O 09/01/33 0 8961608 738/G02 F 380,000.00 ZZ 360 380,000.00 1 6.750 2,464.68 80 6.500 2,464.68 FAIR OAKS RANCH TX 78015 1 12/08/03 00 0437210412 03 02/01/04 0 41570425 O 01/01/34 0 8961634 T23/G02 F 48,500.00 ZZ 360 48,500.00 1 7.000 322.67 60 6.750 322.67 MECHANICSBURG OH 43044 5 12/05/03 00 0437110646 05 02/01/04 0 7095 O 01/01/34 0 8962226 N34/G02 F 90,000.00 ZZ 360 90,000.00 1 7.125 606.35 90 6.875 606.35 LISLE IL 60532 1 12/10/03 10 0437120249 01 02/01/04 25 124637201 N 01/01/34 0 8963216 003/G02 F 126,400.00 ZZ 360 126,308.51 1 7.625 894.66 80 7.375 894.66 HOSCHTON GA 30548 1 11/12/03 00 0437235658 05 01/01/04 0 0021291323 N 12/01/33 0 8963254 X60/G02 F 393,600.00 ZZ 360 393,600.00 1 6.125 2,391.56 80 5.875 2,391.56 DUVALL WA 98019 5 12/16/03 00 0437213523 03 02/01/04 0 1 12444501 O 01/01/34 0 8963648 956/956 F 468,750.00 ZZ 360 465,988.33 1 6.000 2,810.39 75 5.750 2,810.39 SAN FRANCISCO CA 94121 5 07/30/03 00 113060283 05 09/01/03 0 113060283 O 08/01/33 0 8963650 956/956 F 472,000.00 ZZ 360 468,739.15 1 6.125 2,867.92 80 5.875 2,867.92 SAN FRANCISCO CA 94112 2 08/28/03 00 113070043 05 10/01/03 0 113070043 O 09/01/33 0 8963652 956/956 F 366,400.00 ZZ 360 364,077.06 1 5.750 2,138.21 80 5.500 2,138.21 CONCORD CA 94521 5 06/20/03 00 213050213 05 08/01/03 0 213050213 O 07/01/33 0 8963654 956/956 F 448,000.00 ZZ 360 446,284.95 1 6.250 2,758.41 80 6.000 2,758.41 HAYWARD CA 94545 5 08/19/03 00 213060114 05 10/01/03 0 213060114 O 09/01/33 0 8963656 956/956 F 340,000.00 ZZ 360 338,249.71 1 5.875 2,011.23 80 5.625 2,011.23 CONCORD CA 94518 5 07/18/03 00 213060296 05 09/01/03 0 213060296 O 08/01/33 0 1 8963658 956/956 F 460,000.00 ZZ 360 458,240.44 1 6.250 2,832.30 75 6.000 2,832.30 CASTRO VALLEY CA 94552 2 08/08/03 00 213070095 05 10/01/03 0 213070095 O 09/01/33 0 8963660 956/956 F 506,250.00 ZZ 360 504,869.60 1 6.500 3,199.84 75 6.250 3,199.84 ALAMEDA CA 94501 5 09/09/03 00 213080067 05 11/01/03 0 213080067 O 10/01/33 0 8963664 956/956 F 364,000.00 ZZ 360 362,170.00 1 6.000 2,182.36 58 5.750 2,182.36 FOLSOM CA 95630 2 07/10/03 00 313060035 05 09/01/03 0 313060035 O 08/01/33 0 8963666 956/956 F 442,000.00 ZZ 360 441,147.71 1 6.625 2,830.17 74 6.375 2,830.17 BUENA PARK CA 90621 2 10/27/03 00 613080080 03 12/01/03 0 613080080 O 11/01/33 0 8963670 956/956 F 163,500.00 ZZ 360 163,355.75 1 6.625 1,046.91 75 6.375 1,046.91 RIVERSIDE CA 92507 5 11/28/03 00 1513110040 05 01/01/04 0 1513110040 N 12/01/33 0 8963672 956/956 F 455,000.00 ZZ 360 453,499.07 1 5.500 2,583.44 51 5.250 2,583.44 1 REDWOOD CITY CA 94065 2 09/10/03 00 1813070675 03 11/01/03 0 1813070675 O 10/01/33 0 8963676 956/956 F 188,000.00 T 360 187,245.72 1 6.000 1,127.16 80 5.750 1,127.16 CATHEDRAL CITY CA 92234 1 08/07/03 00 1913070121 05 10/01/03 0 1913070121 O 09/01/33 0 8963680 956/956 F 175,000.00 ZZ 360 174,377.29 1 6.625 1,120.54 58 6.375 1,120.54 COVINA CA 91723 5 09/02/03 00 1913080036 05 10/01/03 0 1913080036 N 09/01/33 0 8963682 956/956 F 326,000.00 ZZ 360 324,321.80 1 5.875 1,928.41 76 5.625 1,928.41 STAMFORD CT 06905 2 07/10/03 00 3413060096 05 09/01/03 0 3413060096 O 08/01/33 0 8963684 956/956 F 198,750.00 ZZ 360 198,431.17 1 7.125 1,339.02 75 6.875 1,339.02 NEWINGTON CT 06111 1 10/30/03 00 3413100047 05 12/01/03 0 3413100047 O 11/01/33 0 8963688 956/956 F 353,600.00 ZZ 360 352,658.90 1 6.625 2,264.14 80 6.375 2,264.14 POLLOCK PINES CA 95726 5 09/03/03 00 4513080024 05 11/01/03 0 4513080024 O 10/01/33 0 1 8963694 956/956 F 327,960.00 ZZ 360 327,670.65 1 6.625 2,099.96 80 6.375 2,099.96 KENT WA 98031 1 11/17/03 00 5513110021 03 01/01/04 0 5513110021 O 12/01/33 0 8963816 P01/G02 F 72,000.00 ZZ 360 72,000.00 2 7.125 485.08 80 6.875 485.08 SCHENECTADY NY 12309 1 12/05/03 00 0437117534 05 02/01/04 0 03005344 N 01/01/34 0 8963830 P01/G02 F 54,400.00 ZZ 360 54,400.00 4 7.625 385.04 80 7.375 385.04 VICTORY MILLS NY 12884 1 12/02/03 00 0437117856 05 02/01/04 0 03005314 N 01/01/34 0 8963864 U85/G02 F 73,500.00 ZZ 360 73,439.75 1 7.000 489.00 78 6.750 489.00 DES MOINES IA 50315 5 12/10/03 00 0437199755 05 01/15/04 0 TQSLOPEZJOSE O 12/15/33 0 8963894 Q30/G02 F 288,000.00 ZZ 360 287,713.29 1 6.000 1,726.71 80 5.750 1,726.71 LONG VALLEY NJ 07853 2 11/21/03 00 0437125461 05 01/01/04 0 32013553 O 12/01/33 0 8964094 S43/G02 F 85,760.00 ZZ 360 85,760.00 1 1 6.625 549.13 80 6.375 549.13 SHEPERDSVILLE KY 40165 1 12/09/03 00 0437217680 05 02/01/04 0 181030051800 N 01/01/34 0 8964170 X51/G02 F 278,000.00 ZZ 360 278,000.00 1 6.125 1,689.16 80 5.875 1,689.16 TEMECULA CA 92592 5 12/06/03 00 0437154156 03 02/01/04 0 0031126002 O 01/01/34 0 8964376 G34/G02 F 73,150.00 ZZ 360 73,085.46 1 6.625 468.39 95 6.375 468.39 HARLINGEN TX 78550 1 11/18/03 04 0437207731 05 01/01/04 30 47012690 O 12/01/33 0 8964380 S27/G02 F 208,000.00 ZZ 360 208,000.00 1 6.750 1,349.09 80 6.500 1,349.09 SANFORD FL 32771 1 12/09/03 00 0437160112 05 02/01/04 0 1010034429 O 01/01/34 0 8964442 S27/G02 F 139,950.00 ZZ 360 139,950.00 2 6.750 907.72 90 6.500 907.72 FERGUSON MO 63135 1 12/10/03 10 0437151756 05 02/01/04 25 1830008205 N 01/01/34 0 8964534 E22/G02 F 219,000.00 ZZ 360 219,000.00 1 6.250 1,348.42 79 6.000 1,348.42 GRAHAM WA 98338 5 12/03/03 00 0418455770 03 02/01/04 0 1 0418455770 O 01/01/34 0 8964552 E22/G02 F 258,000.00 ZZ 240 258,000.00 1 6.500 1,923.58 69 6.250 1,923.58 SHARON MA 02067 5 12/08/03 00 0418717146 05 02/01/04 0 0418717146 O 01/01/24 0 8964558 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 6.375 623.87 80 6.125 623.87 GRAND JUNCTION CO 81504 2 12/12/03 00 0437240013 01 02/01/04 0 0418770962 N 01/01/34 0 8964564 E22/G02 F 211,000.00 ZZ 360 211,000.00 1 7.000 1,403.79 91 6.750 1,403.79 ARAPAHOE NC 28510 5 12/08/03 10 0418792503 05 02/01/04 30 0418792503 O 01/01/34 0 8964584 E22/G02 F 65,000.00 ZZ 360 65,000.00 1 6.625 416.20 82 6.375 416.20 UNION SPRINGS AL 36089 5 12/08/03 04 0418851374 05 02/01/04 12 0418851374 O 01/01/34 0 8964594 E22/G02 F 70,400.00 ZZ 360 70,400.00 1 6.625 450.78 80 6.375 450.78 CAROLINA BEACH NC 28458 1 12/12/03 00 0418890018 01 02/01/04 0 0418890018 N 01/01/34 0 1 8964616 E22/G02 F 168,000.00 ZZ 360 168,000.00 1 6.125 1,020.79 80 5.875 1,020.79 REDMOND OR 97756 2 12/05/03 00 0418925681 05 02/01/04 0 0418925681 O 01/01/34 0 8964664 E22/G02 F 340,000.00 ZZ 360 340,000.00 1 6.875 2,233.56 80 6.625 2,233.56 LADSON SC 29417 5 12/08/03 00 0419014527 05 02/01/04 0 0419014527 O 01/01/34 0 8964666 E22/G02 F 375,000.00 ZZ 360 375,000.00 2 6.500 2,370.26 75 6.250 2,370.26 MONTVILLE TOWNS NJ 07045 1 12/12/03 00 0419017504 05 02/01/04 0 0419017504 N 01/01/34 0 8964680 E22/G02 F 169,000.00 ZZ 360 169,000.00 1 6.125 1,026.86 76 5.875 1,026.86 LOUISVILLE KY 40241 5 12/03/03 00 0419039607 29 02/01/04 0 0419039607 O 01/01/34 0 8964742 E22/G02 F 70,400.00 ZZ 360 70,400.00 1 6.625 450.78 80 6.375 450.78 CAROLINA BEACH NC 28428 1 12/12/03 00 0419083738 01 02/01/04 0 0419083738 N 01/01/34 0 8964780 E22/G02 F 180,000.00 ZZ 360 180,000.00 1 6.875 1,182.47 90 6.625 1,182.47 1 LAS VEGAS NV 89123 5 12/08/03 01 0419100151 05 02/01/04 25 0419100151 O 01/01/34 0 8964836 E22/G02 F 205,600.00 ZZ 360 205,600.00 1 5.875 1,216.20 80 5.625 1,216.20 HUMBOLDT TN 38343 1 12/12/03 00 0419153515 05 02/01/04 0 0419153515 O 01/01/34 0 8964902 N34/G02 F 389,550.00 ZZ 360 389,550.00 1 6.875 2,559.07 70 6.625 2,559.07 CHICAGO IL 60610 1 12/08/03 00 0437209000 06 02/01/04 0 124648601 O 01/01/34 0 8964906 E22/G02 F 144,500.00 ZZ 360 144,500.00 4 6.500 913.34 85 6.250 913.34 MOORESVILLE IN 46158 2 12/12/03 04 0419187216 05 02/01/04 20 0419187216 N 01/01/34 0 8964922 E22/G02 F 85,000.00 ZZ 360 85,000.00 1 6.875 558.39 85 6.625 558.39 LOUISVILLE KY 40211 5 12/08/03 01 0419196357 05 02/01/04 12 0419196357 O 01/01/34 0 8964966 E22/G02 F 392,000.00 ZZ 360 392,000.00 1 6.125 2,381.83 80 5.875 2,381.83 SAN JOSE CA 95148 5 12/03/03 00 0419205695 05 02/01/04 0 0419205695 O 01/01/34 0 1 8964984 E22/G02 F 83,900.00 ZZ 360 83,900.00 1 6.250 516.59 53 6.000 516.59 FLORENCE OR 97439 1 12/04/03 00 0419213988 05 02/01/04 0 0419213988 O 01/01/34 0 8965002 E22/G02 F 112,200.00 ZZ 360 112,200.00 1 7.250 765.40 90 7.000 765.40 RALEIGH NC 27604 1 12/12/03 01 0419227038 05 02/01/04 25 0419227038 N 01/01/34 0 8965064 E22/G02 F 540,000.00 TX 360 540,000.00 1 6.375 3,368.90 80 6.125 3,368.90 SAN ANTONIO TX 78209 5 12/08/03 00 0419267786 05 02/01/04 0 0419267786 O 01/01/34 0 8965092 E22/G02 F 380,000.00 ZZ 360 380,000.00 1 6.000 2,278.29 80 5.750 2,278.29 LONG BEACH CA 90808 1 12/09/03 00 0419291471 05 02/01/04 0 0419291471 O 01/01/34 0 8965100 E22/G02 F 111,330.00 ZZ 360 111,330.00 2 6.875 731.36 90 6.625 731.36 CINCINNATI OH 45237 1 12/12/03 01 0419297650 05 02/01/04 25 0419297650 N 01/01/34 0 8965204 883/G02 F 64,350.00 ZZ 360 64,295.94 1 1 6.875 422.73 65 6.625 422.73 KISSIMMEE FL 34744 1 11/26/03 00 0437154032 09 01/01/04 0 05024039 O 12/01/33 0 8965206 E82/G02 F 216,000.00 ZZ 360 216,000.00 4 7.250 1,473.50 80 7.000 1,473.50 MESA AZ 85201 2 12/11/03 00 0400910485 05 02/01/04 0 0400910485 N 01/01/34 0 8965216 G52/G02 F 175,500.00 ZZ 360 175,500.00 3 6.875 1,152.91 90 6.625 1,152.91 TUCSON AZ 85705 1 12/01/03 10 0437151681 05 02/01/04 25 1600000618 N 01/01/34 0 8965218 E82/G02 F 199,000.00 ZZ 360 199,000.00 1 6.375 1,241.50 79 6.125 1,241.50 GOODYEAR AZ 85338 2 12/11/03 00 0400930640 03 02/01/04 0 0400930640 O 01/01/34 0 8965220 E82/G02 F 200,500.00 ZZ 360 200,500.00 4 6.750 1,300.44 68 6.500 1,300.44 PAHRUMP NV 89041 2 12/09/03 00 0400929584 05 02/01/04 0 0400929584 N 01/01/34 0 8965276 G52/G02 F 123,750.00 E 360 123,750.00 2 6.875 812.95 90 6.625 812.95 TUCSON AZ 85705 1 12/01/03 04 0437212186 05 02/01/04 25 1 1600000616 N 01/01/34 0 8965330 S27/G02 F 139,950.00 ZZ 360 139,950.00 4 6.750 907.72 90 6.500 907.72 FERGUSON MO 63135 1 12/10/03 10 0437199599 05 02/01/04 25 1830008206 N 01/01/34 0 8965412 S27/G02 F 93,000.00 ZZ 360 93,000.00 1 6.625 595.49 72 6.375 595.49 SEVIERVILLE TN 37862 2 12/11/03 00 0437188238 05 02/01/04 0 1900007641 N 01/01/34 0 8965424 P09/G02 F 318,000.00 ZZ 360 317,712.52 1 6.500 2,009.98 64 6.250 2,009.98 REISTERSTOWN MD 21136 5 11/04/03 00 0437225931 05 01/01/04 0 03100006 O 12/01/33 0 8965574 G52/G02 F 123,750.00 E 360 123,750.00 2 6.875 812.95 90 6.625 812.95 TUCSON AZ 85705 1 12/01/03 10 0437218985 05 02/01/04 25 1600000619 N 01/01/34 0 8965580 T44/G02 F 184,000.00 ZZ 360 183,849.17 1 7.000 1,224.16 80 6.750 1,224.16 TEHACHAPI CA 93561 5 11/19/03 00 0437186505 03 01/01/04 0 1098012 O 12/01/33 0 1 8965602 U35/G02 F 65,600.00 ZZ 360 65,543.52 1 6.750 425.48 80 6.500 425.48 COLUMBUS OH 43206 1 11/17/03 00 0437194301 05 01/01/04 0 13957899 N 12/01/33 0 8965692 G52/G02 F 175,500.00 E 360 175,500.00 3 6.875 1,152.91 90 6.625 1,152.91 TUCSON AZ 85705 1 12/01/03 10 0437213416 05 02/01/04 25 1600000617 N 01/01/34 0 8965714 642/G02 F 220,000.00 ZZ 360 220,000.00 1 6.750 1,426.92 63 6.500 1,426.92 HOLLIS NY 11423 5 12/05/03 00 0437192735 05 02/01/04 0 10240003 O 01/01/34 0 8965952 738/G02 F 60,800.00 ZZ 360 60,800.00 1 7.250 414.76 80 7.000 414.76 KISSIMMEE FL 34741 1 12/09/03 00 0437182397 05 02/01/04 0 41582578 N 01/01/34 0 8967628 P59/G02 F 255,000.00 ZZ 360 254,321.33 1 6.625 1,632.79 85 6.375 1,632.79 SANTA MARIA CA 93454 1 09/04/03 01 0437179815 05 11/01/03 25 8392471 O 10/01/33 0 8967806 M27/G02 F 98,000.00 ZZ 360 98,000.00 1 6.375 611.39 80 6.125 611.39 1 WILMINGTON NC 28409 1 12/08/03 00 0437220023 05 02/01/04 0 0100156169 O 01/01/34 0 8967826 T23/G02 F 61,750.00 ZZ 360 61,750.00 1 7.500 431.76 95 7.250 431.76 ELLWOOD CITY PA 16117 1 12/11/03 10 0437211451 05 02/01/04 30 7116 O 01/01/34 0 8967850 F34/G02 F 99,000.00 ZZ 360 99,000.00 1 6.500 625.75 80 6.250 625.75 PALM COAST FL 32164 1 12/04/03 00 0437182249 03 02/01/04 0 4900308111 N 01/01/34 0 8967858 T44/G02 F 123,750.00 ZZ 360 123,632.58 1 6.250 761.95 75 6.000 761.95 VANCOUVER WA 98685 5 11/25/03 00 0437184518 05 01/01/04 0 1097537 O 12/01/33 0 8967930 X64/G02 F 76,500.00 ZZ 360 76,500.00 1 7.000 508.96 64 6.750 508.96 DETROIT MI 48236 5 12/11/03 00 0437237464 05 02/01/04 0 0000006301 N 01/01/34 0 8967968 U05/G02 F 116,000.00 TX 360 115,895.13 1 6.500 733.20 55 6.250 733.20 AUSTIN TX 78704 5 12/01/03 00 0437182421 05 01/01/04 0 3394039 O 12/01/33 0 1 8967976 U05/G02 F 104,000.00 ZZ 360 103,910.46 2 6.750 674.54 80 6.500 674.54 CLAREMORE OK 74017 2 11/26/03 00 0437200850 05 01/01/04 0 30003211291 N 12/01/33 0 8968126 956/956 F 425,000.00 ZZ 360 423,559.46 1 6.875 2,791.95 75 6.625 2,791.95 SOUTHBURY CT 06488 1 08/25/03 00 3413080065 05 10/01/03 0 3413080065 O 09/01/33 0 8968128 956/956 F 200,000.00 ZZ 360 199,288.32 1 6.625 1,280.62 35 6.375 1,280.62 SEAL BEACH CA 90740 2 08/22/03 00 613080023 05 10/01/03 0 613080023 O 09/01/33 0 8968174 E22/G02 F 425,000.00 ZZ 360 425,000.00 1 6.375 2,651.45 55 6.125 2,651.45 FOUNTAIN HILLS AZ 85268 5 12/08/03 00 0418487773 03 02/01/04 0 0418487773 O 01/01/34 0 8968176 E22/G02 F 445,000.00 ZZ 360 445,000.00 1 6.250 2,739.94 80 6.000 2,739.94 ALBUQUERQUE NM 87122 2 12/09/03 00 0418516779 05 02/01/04 0 0418516779 O 01/01/34 0 8968206 E22/G02 F 107,000.00 ZZ 360 107,000.00 1 1 6.375 667.54 87 6.125 667.54 SARASOTA FL 34237 2 12/09/03 11 0418516985 05 02/01/04 25 0418516985 O 01/01/34 0 8968222 E22/G02 F 96,000.00 TX 240 96,000.00 1 6.375 708.70 80 6.125 708.70 TEMPLE TX 76501 5 12/09/03 00 0418637815 05 02/01/04 0 0418637815 O 01/01/24 0 8968298 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 6.125 607.61 37 5.875 607.61 FLORENCE OR 97439 1 11/26/03 00 0418919809 03 02/01/04 0 0418919809 N 01/01/34 0 8968320 E22/G02 F 146,775.00 ZZ 360 146,775.00 1 7.250 1,001.26 95 7.000 1,001.26 MECHANICSVILLE VA 23111 1 12/15/03 10 0418960118 05 02/01/04 30 0418960118 O 01/01/34 0 8968360 E22/G02 F 103,200.00 ZZ 360 103,200.00 1 6.000 618.74 80 5.750 618.74 WAYNESVILLE NC 28786 1 12/15/03 00 0419033857 05 02/01/04 0 0419033857 O 01/01/34 0 8968390 E22/G02 F 145,800.00 ZZ 360 145,800.00 1 7.125 982.28 90 6.875 982.28 KENNESAW GA 30144 2 12/15/03 04 0419056213 03 02/01/04 25 1 0419056213 N 01/01/34 0 8968400 E22/G02 F 296,000.00 TX 360 296,000.00 1 6.000 1,774.67 80 5.750 1,774.67 HOUSTON TX 77025 5 12/10/03 00 0419064571 05 02/01/04 0 0419064571 O 01/01/34 0 8968402 E22/G02 F 157,000.00 ZZ 360 157,000.00 4 6.625 1,005.29 90 6.375 1,005.29 BURRILLVILLE RI 02826 1 12/15/03 10 0419065636 05 02/01/04 25 0419065636 N 01/01/34 0 8968470 E22/G02 F 50,000.00 ZZ 360 50,000.00 1 6.500 316.03 80 6.250 316.03 SOUTH BEND IN 46613 5 12/09/03 00 0419104534 05 02/01/04 0 0419104534 O 01/01/34 0 8968482 E22/G02 F 238,000.00 ZZ 360 238,000.00 1 6.250 1,465.41 60 6.000 1,465.41 SACRAMENTO CA 95834 1 11/26/03 00 0419109236 03 02/01/04 0 0419109236 N 01/01/34 0 8968490 E22/G02 F 312,000.00 ZZ 360 312,000.00 1 6.125 1,895.74 80 5.875 1,895.74 MCMINNVILLE OR 97128 2 12/05/03 00 0419114434 05 02/01/04 0 0419114434 O 01/01/34 0 1 8968500 E22/G02 F 193,310.00 ZZ 360 193,310.00 1 6.625 1,237.79 65 6.375 1,237.79 OREGON WI 53575 5 12/10/03 00 0419130737 05 02/01/04 0 0419130737 O 01/01/34 0 8968532 E22/G02 F 112,100.00 ZZ 360 112,100.00 1 7.375 774.25 95 7.125 774.25 CEDAR RAPIDS IA 52405 5 12/10/03 04 0419144571 05 02/01/04 30 0419144571 O 01/01/34 0 8968562 E22/G02 F 152,000.00 ZZ 360 152,000.00 1 6.250 935.89 80 6.000 935.89 SUMNER WA 98390 5 12/09/03 00 0419161732 05 02/01/04 0 0419161732 O 01/01/34 0 8968642 E22/G02 F 182,010.00 ZZ 360 182,010.00 1 6.375 1,135.51 90 6.125 1,135.51 ROSE HILL KS 67133 2 12/10/03 01 0419188883 05 02/01/04 25 0419188883 O 01/01/34 0 8968660 E22/G02 F 534,400.00 ZZ 360 534,400.00 1 6.250 3,290.39 80 6.000 3,290.39 SAN FRANCISCO CA 94122 1 12/05/03 00 0419197637 05 02/01/04 0 0419197637 O 01/01/34 0 8968682 E22/G02 F 390,000.00 ZZ 360 390,000.00 1 6.000 2,338.25 56 5.750 2,338.25 1 SANTA ROSA CA 95403 5 12/05/03 00 0419206487 05 02/01/04 0 0419206487 O 01/01/34 0 8968754 E22/G02 F 144,500.00 ZZ 360 144,500.00 1 6.500 913.34 83 6.250 913.34 CANAL WINCHESTE OH 43110 5 12/09/03 01 0419227962 05 02/01/04 12 0419227962 O 01/01/34 0 8968848 E22/G02 F 106,800.00 ZZ 360 106,800.00 1 6.375 666.29 80 6.125 666.29 PLANO TX 75075 1 12/15/03 00 0419283775 05 02/01/04 0 0419283775 O 01/01/34 0 8968866 E22/G02 F 186,500.00 ZZ 360 186,500.00 1 6.500 1,178.81 80 6.250 1,178.81 NORTH BRUNSWICK NJ 08902 2 12/10/03 00 0419301189 01 02/01/04 0 0419301189 O 01/01/34 0 8968870 E22/G02 F 152,910.00 ZZ 360 152,910.00 1 6.375 953.96 90 6.125 953.96 FORT LAUDERDALE FL 33321 1 12/15/03 04 0419303979 01 02/01/04 25 0419303979 O 01/01/34 0 8968880 E22/G02 F 427,150.00 ZZ 360 427,150.00 2 6.750 2,770.49 88 6.500 2,770.49 NEWARK NJ 07105 1 12/15/03 01 0419307863 05 02/01/04 25 0419307863 O 01/01/34 0 1 8968888 E22/G02 F 363,000.00 ZZ 360 363,000.00 1 6.000 2,176.37 79 5.750 2,176.37 COLORADO SPRING CO 80920 5 12/10/03 00 0419310693 03 02/01/04 0 0419310693 O 01/01/34 0 8968906 E22/G02 F 289,000.00 ZZ 360 289,000.00 1 6.000 1,732.70 50 5.750 1,732.70 WALNUT CREEK CA 94596 2 12/05/03 00 0419322789 05 02/01/04 0 0419322789 N 01/01/34 0 8969248 A52/G02 F 211,500.00 ZZ 360 211,500.00 1 6.375 1,319.48 90 6.125 1,319.48 DULUTH GA 30097 2 12/09/03 11 0437192214 03 02/01/04 25 28210 O 01/01/34 0 8969250 H49/G02 F 44,250.00 ZZ 360 44,213.72 1 7.000 294.40 75 6.750 294.40 GLENWOOD IL 60425 1 11/21/03 00 0437179898 01 01/01/04 0 538545 N 12/01/33 0 8969286 477/G02 F 361,200.00 ZZ 360 361,200.00 1 6.750 2,342.74 84 6.500 2,342.74 WEST COVINA CA 91791 5 12/02/03 11 0437199847 01 02/01/04 12 206342 O 01/01/34 0 8969296 L20/G02 F 511,500.00 ZZ 360 511,500.00 1 1 6.250 3,149.39 75 6.000 3,149.39 GILBERT AZ 85297 1 12/15/03 00 0437178924 03 02/01/04 0 1181060120 O 01/01/34 0 8969406 U41/G02 F 158,950.00 ZZ 360 158,950.00 1 7.375 1,097.83 85 7.125 1,097.83 STURGEON BAY WI 54235 5 12/08/03 10 0437214968 05 02/01/04 12 GORDON2867 O 01/01/34 0 8970058 253/253 F 192,000.00 ZZ 360 191,817.82 1 6.250 1,182.18 80 6.000 1,182.18 EDMOND OK 73134 1 11/20/03 00 334579 05 01/01/04 0 334579 O 12/01/33 0 8970664 U85/G02 F 55,800.00 ZZ 360 55,800.00 2 7.500 390.16 90 7.250 390.16 BEAVER DAM WI 53916 1 12/15/03 11 0437210446 05 02/01/04 25 TQS529 N 01/01/34 0 8970702 T44/G02 F 213,750.00 ZZ 360 213,750.00 1 6.875 1,404.19 75 6.625 1,404.19 ROCKLIN CA 95765 5 12/01/03 00 0437182223 05 02/01/04 0 1098770 N 01/01/34 0 8970752 738/G02 F 92,000.00 ZZ 360 92,000.00 1 7.000 612.08 80 6.750 612.08 CHARLOTTE NC 28227 2 12/05/03 00 0437219637 05 02/01/04 0 1 41531040 O 01/01/34 0 8971208 T44/G02 F 221,250.00 ZZ 360 221,250.00 1 6.875 1,453.46 75 6.625 1,453.46 ROSEVILLE CA 95661 5 12/01/03 00 0437181480 05 02/01/04 0 1098772 N 01/01/34 0 8971286 U42/G02 F 411,000.00 TX 360 411,000.00 1 6.750 2,665.74 70 6.500 2,665.74 AUSTIN TX 78733 5 12/08/03 00 0437218829 03 02/01/04 0 10301919 O 01/01/34 0 8971372 952/G02 F 328,000.00 ZZ 360 328,000.00 2 5.750 1,914.12 80 5.500 1,914.12 ELMWOOD PARK NJ 07407 1 12/12/03 00 0437217219 05 02/01/04 0 03538371 O 01/01/34 0 8971382 M50/G02 F 51,200.00 ZZ 360 51,200.00 1 7.000 340.63 80 6.750 340.63 SAINT LOUIS MO 63120 5 12/09/03 00 0437219702 05 02/01/04 0 3114486 O 01/01/34 0 8971412 N47/G02 F 303,000.00 ZZ 360 303,000.00 1 6.000 1,816.64 55 5.750 1,816.64 POWAY CA 92064 2 12/02/03 00 0437216476 05 02/01/04 0 30506596 O 01/01/34 0 1 8971422 N74/G02 F 126,000.00 ZZ 360 126,000.00 1 6.875 827.73 80 6.625 827.73 OGDEN UT 84404 2 12/09/03 00 0437213572 05 02/01/04 0 0033862010 N 01/01/34 0 8971526 B39/G02 F 154,350.00 ZZ 360 154,350.00 1 7.500 1,079.24 90 7.250 1,079.24 RIVER FALLS WI 54022 1 12/12/03 11 0437207160 05 02/01/04 25 20034249F N 01/01/34 0 8971532 K15/G02 F 165,000.00 ZZ 360 164,843.44 1 6.250 1,015.93 49 6.000 1,015.93 MINEOLA NY 11501 5 11/19/03 00 0437199649 05 01/01/04 0 021205524360 O 12/01/33 0 8971648 A35/G02 F 282,500.00 ZZ 360 282,500.00 1 6.125 1,716.50 78 5.875 1,716.50 MERRICK NY 11566 1 12/12/03 00 0437212178 05 02/01/04 0 1 O 01/01/34 0 8971726 H49/G02 F 44,800.00 ZZ 360 44,800.00 1 7.500 313.25 70 7.250 313.25 LITTLE ROCK AR 72209 2 12/03/03 00 0437211139 05 02/01/04 0 535371 N 01/01/34 0 8971886 952/G02 F 140,000.00 ZZ 360 139,885.25 2 7.000 931.42 74 6.750 931.42 1 NEWARK NJ 07106 5 11/26/03 00 0437192230 05 01/01/04 0 03538724 O 12/01/33 0 8971926 E11/G02 F 160,000.00 ZZ 360 160,000.00 1 6.375 998.19 75 6.125 998.19 ANDOVER MN 55304 1 12/12/03 00 0437212145 05 02/01/04 0 0010001066299 O 01/01/34 0 8971974 E22/G02 F 164,000.00 ZZ 360 164,000.00 1 6.125 996.48 54 5.875 996.48 LITTLETON CO 80123 2 12/11/03 00 0418549093 05 02/01/04 0 0418549093 O 01/01/34 0 8971992 E22/G02 F 64,000.00 ZZ 360 64,000.00 1 6.875 420.43 80 6.625 420.43 LOUISVILLE KY 40203 5 12/16/03 00 0418759643 05 02/01/04 0 0418759643 N 01/01/34 0 8971996 E22/G02 F 78,375.00 ZZ 360 78,375.00 1 7.125 528.03 75 6.875 528.03 INDIANAPOLIS IN 46256 2 12/16/03 00 0418797676 01 02/01/04 0 0418797676 N 01/01/34 0 8972050 E22/G02 F 205,600.00 ZZ 360 205,600.00 1 6.250 1,265.91 90 6.000 1,265.91 KENT WA 98042 5 12/04/03 10 0418983722 05 02/01/04 25 0418983722 O 01/01/34 0 1 8972060 E22/G02 F 540,000.00 TX 360 540,000.00 1 6.125 3,281.10 75 5.875 3,281.10 HOUSTON TX 77005 5 12/10/03 00 0419001649 05 02/01/04 0 0419001649 O 01/01/34 0 8972090 E22/G02 F 57,550.00 ZZ 360 57,550.00 1 7.000 382.88 55 6.750 382.88 BAKERSFIELD CA 93309 5 12/11/03 00 0419023759 05 02/01/04 0 0419023759 N 01/01/34 0 8972100 E22/G02 F 172,500.00 ZZ 360 172,500.00 1 6.875 1,133.20 75 6.625 1,133.20 SEATTLE WA 98118 5 12/15/03 00 0419052659 05 02/01/04 0 0419052659 N 01/01/34 0 8972102 E22/G02 F 131,250.00 ZZ 360 131,250.00 1 6.875 862.22 75 6.625 862.22 SEATTLE WA 98118 5 12/15/03 00 0419052709 05 02/01/04 0 0419052709 N 01/01/34 0 8972118 E22/G02 F 172,000.00 ZZ 360 172,000.00 1 6.375 1,073.06 80 6.125 1,073.06 SPOKANE WA 99212 1 12/09/03 00 0419068069 05 02/01/04 0 0419068069 O 01/01/34 0 8972126 E22/G02 F 56,250.00 ZZ 360 56,250.00 1 1 7.000 374.23 90 6.750 374.23 BERNE IN 46711 1 12/16/03 04 0419081294 05 02/01/04 25 0419081294 N 01/01/34 0 8972184 E22/G02 F 87,300.00 ZZ 360 87,300.00 2 6.750 566.23 90 6.500 566.23 PORT ORANGE FL 32129 1 12/16/03 11 0419118369 05 02/01/04 25 0419118369 N 01/01/34 0 8972186 E22/G02 F 53,200.00 ZZ 360 53,200.00 1 6.625 340.65 70 6.375 340.65 MOSCOW ID 83843 1 12/05/03 00 0419123336 01 02/01/04 0 0419123336 N 01/01/34 0 8972364 U05/G02 F 81,000.00 ZZ 360 80,928.54 1 6.625 518.65 31 6.375 518.65 MORENO VALLEY CA 92557 2 11/24/03 00 0437198765 03 01/01/04 0 3445722 O 12/01/33 0 8972420 U05/G02 F 20,800.00 ZZ 360 20,800.00 1 7.125 140.13 80 6.875 140.13 HOUSTON TX 77058 1 12/02/03 00 0437209133 01 02/01/04 0 3447968 O 01/01/34 0 8972436 E22/G02 F 317,000.00 ZZ 360 317,000.00 1 6.375 1,977.67 84 6.125 1,977.67 DENHAM SPRINGS LA 70726 2 12/16/03 01 0419230586 05 02/01/04 12 1 0419230586 O 01/01/34 0 8972438 E22/G02 F 242,250.00 ZZ 360 242,250.00 1 6.250 1,491.57 89 6.000 1,491.57 BROOKINGS OR 97415 1 12/08/03 04 0419233382 03 02/01/04 35 0419233382 N 01/01/34 0 8972452 E22/G02 F 150,800.00 ZZ 360 150,800.00 1 7.250 1,028.72 89 7.000 1,028.72 WINCHENDON MA 01475 5 12/11/03 10 0419249099 05 02/01/04 25 0419249099 O 01/01/34 0 8972502 253/253 F 160,000.00 TX 360 160,000.00 1 6.250 985.15 43 6.000 985.15 BURLESON TX 76028 5 12/08/03 00 333838 05 02/01/04 0 333838 O 01/01/34 0 8972504 E22/G02 F 470,000.00 TX 360 470,000.00 1 6.250 2,893.87 79 6.000 2,893.87 BELLAIRE TX 77401 5 12/08/03 00 0419286919 05 02/01/04 0 0419286919 O 01/01/34 0 8972530 E22/G02 F 106,200.00 ZZ 360 106,200.00 1 6.625 680.01 90 6.375 680.01 SAINT PETERS MO 63376 2 12/16/03 04 0419292206 05 02/01/04 25 0419292206 N 01/01/34 0 1 8972540 E22/G02 F 58,500.00 ZZ 240 58,500.00 1 7.500 471.27 75 7.250 471.27 ELKHART IN 46516 5 12/15/03 00 0419300207 05 02/01/04 0 0419300207 N 01/01/24 0 8972574 E22/G02 F 218,500.00 ZZ 360 218,500.00 1 6.375 1,363.16 95 6.125 1,363.16 POMPANO BEACH FL 33060 2 12/11/03 04 0419327085 05 02/01/04 30 0419327085 O 01/01/34 0 8972936 H81/G02 F 196,000.00 ZZ 360 195,814.02 2 6.250 1,206.81 80 6.000 1,206.81 FORT LAUDERDALE FL 33315 5 11/28/03 00 0437210115 05 01/01/04 0 WH21868 O 12/01/33 0 8972980 P48/G02 F 93,000.00 ZZ 360 93,000.00 1 7.000 618.73 58 6.750 618.73 NAPLES FL 34103 1 12/11/03 00 0437207772 01 02/01/04 0 14281302 O 01/01/34 0 8973018 642/G02 F 116,000.00 ZZ 360 116,000.00 1 6.750 752.37 40 6.500 752.37 SAN DIEGO CA 92139 1 12/11/03 00 0437208341 05 02/01/04 0 12101203 O 01/01/34 0 8973408 P27/G02 F 294,500.00 ZZ 360 294,500.00 1 6.750 1,910.12 95 6.500 1,910.12 1 PALM SPRINGS CA 92262 5 12/09/03 01 0437207806 05 02/01/04 30 7703801686 O 01/01/34 0 8973606 W08/G02 F 168,000.00 ZZ 360 168,000.00 1 6.599 1,072.84 80 6.349 1,072.84 MIAMI FL 33172 2 12/11/03 00 0437198161 03 02/01/04 0 034028MG O 01/01/34 0 8973648 W93/G02 F 292,500.00 ZZ 360 292,241.93 1 6.625 1,872.91 90 6.375 1,872.91 LOS ANGELES CA 90042 1 11/18/03 11 0437218639 05 01/01/04 25 51494570 O 12/01/33 0 8973664 W93/G02 F 624,000.00 ZZ 360 623,363.80 1 5.875 3,691.20 80 5.625 3,691.20 LITTLETON CO 80127 5 11/21/03 00 0437218688 05 01/01/04 0 77514704 O 12/01/33 0 8973684 W93/G02 F 650,000.00 ZZ 360 650,000.00 1 6.875 4,270.04 74 6.625 4,270.04 CASTAIC CA 91384 1 12/01/03 00 0437218654 05 02/01/04 0 25507297 O 01/01/34 0 8973688 W93/G02 F 180,500.00 ZZ 360 180,348.35 1 6.875 1,185.76 47 6.625 1,185.76 ENCINITAS CA 92024 5 11/19/03 00 0437218738 05 01/01/04 0 28514930 N 12/01/33 0 1 8974092 S27/G02 F 104,000.00 ZZ 360 104,000.00 1 6.625 665.93 80 6.375 665.93 POWDER SPRINGS GA 30127 2 12/15/03 00 0437223878 05 02/01/04 0 1900007246 N 01/01/34 0 8974174 H49/G02 F 261,000.00 ZZ 360 260,764.05 1 6.500 1,649.70 70 6.250 1,649.70 GENTRY AR 72734 2 11/21/03 00 0437228539 05 01/01/04 0 540948317 O 12/01/33 0 8974212 N74/G02 F 160,500.00 ZZ 360 160,500.00 1 6.500 1,014.47 78 6.250 1,014.47 JOPPA MD 21085 5 12/09/03 00 0437210958 05 02/01/04 0 0033863010 O 01/01/34 0 8974252 U05/G02 F 195,000.00 ZZ 360 194,844.06 3 7.125 1,313.75 41 6.875 1,313.75 LOS ANGELES CA 90026 5 11/24/03 00 0437216823 05 01/01/04 0 3411787 O 12/01/33 0 8974270 E22/G02 F 195,000.00 ZZ 360 195,000.00 3 7.000 1,297.34 82 6.750 1,297.34 IRVINGTON NJ 07111 1 12/17/03 04 0418528378 05 02/01/04 20 0418528378 N 01/01/34 0 8974296 E22/G02 F 117,000.00 ZZ 360 117,000.00 1 1 6.750 758.86 90 6.500 758.86 HOUSTON TX 77077 1 12/17/03 01 0418885521 03 02/01/04 25 0418885521 N 01/01/34 0 8974338 E22/G02 F 77,000.00 ZZ 360 77,000.00 1 6.500 486.69 46 6.250 486.69 RIO LINDA CA 95673 5 11/26/03 00 0418956355 05 02/01/04 0 0418956355 N 01/01/34 0 8974350 E22/G02 F 65,000.00 ZZ 360 65,000.00 2 6.750 421.59 19 6.500 421.59 LAWNDALE CA 90260 2 12/10/03 00 0418971511 05 02/01/04 0 0418971511 N 01/01/34 0 8974368 E22/G02 F 104,000.00 ZZ 360 104,000.00 4 7.375 718.30 80 7.125 718.30 RESERVE LA 70084 2 12/17/03 00 0418994141 05 02/01/04 0 0418994141 N 01/01/34 0 8974372 E22/G02 F 104,000.00 ZZ 360 104,000.00 4 7.375 718.30 80 7.125 718.30 RESERVE LA 70084 2 12/17/03 00 0418996617 05 02/01/04 0 0418996617 N 01/01/34 0 8974416 E22/G02 F 424,000.00 ZZ 360 424,000.00 1 6.125 2,576.27 80 5.875 2,576.27 CORONA CA 92883 5 10/29/03 00 0419037536 29 02/01/04 0 1 0419037536 O 01/01/34 0 8974418 E22/G02 F 168,750.00 ZZ 360 168,750.00 1 6.250 1,039.02 75 6.000 1,039.02 VANCOUVER WA 98660 1 12/10/03 00 0419038476 09 02/01/04 0 0419038476 N 01/01/34 0 8974422 E22/G02 F 192,000.00 ZZ 360 192,000.00 1 6.500 1,213.57 80 6.250 1,213.57 SPOKANE WA 99217 5 12/09/03 00 0419052931 05 02/01/04 0 0419052931 O 01/01/34 0 8974424 E22/G02 F 208,000.00 ZZ 360 208,000.00 2 6.625 1,331.85 80 6.375 1,331.85 SAINT PAUL MN 55106 5 12/12/03 00 0419055454 05 02/01/04 0 0419055454 O 01/01/34 0 8974428 E22/G02 F 237,787.00 ZZ 360 237,787.00 1 7.625 1,683.04 75 7.375 1,683.04 WOODINVILLE WA 98077 5 12/12/03 00 0419061064 05 02/01/04 0 0419061064 N 01/01/34 0 8974436 N74/G02 F 127,300.00 ZZ 360 127,205.53 1 7.500 890.10 95 7.250 890.10 CHESAPEAKE VA 23320 5 12/09/03 01 0437210495 05 01/15/04 30 8618847 O 12/15/33 0 1 8974444 N74/G02 F 66,400.00 ZZ 360 66,342.83 1 6.750 430.67 80 6.500 430.67 JACKSONVILLE FL 32208 5 12/15/03 00 0437213994 05 01/15/04 0 8642106 N 12/15/33 0 8974532 E22/G02 F 149,400.00 ZZ 360 149,400.00 3 7.250 1,019.17 90 7.000 1,019.17 TRENTON NJ 08610 1 12/17/03 04 0419117718 05 02/01/04 25 0419117718 N 01/01/34 0 8974568 E22/G02 F 85,000.00 TX 360 85,000.00 1 6.375 530.29 79 6.125 530.29 ALVIN TX 77511 5 12/10/03 00 0419128475 03 02/01/04 0 0419128475 O 01/01/34 0 8974604 U05/G02 F 577,500.00 TX 360 577,500.00 1 6.750 3,745.65 75 6.500 3,745.65 SUGAR LAND TX 77479 5 12/09/03 00 0437214927 03 02/01/04 0 3000444504 O 01/01/34 0 8974626 E22/G02 F 123,000.00 ZZ 360 123,000.00 1 6.875 808.02 88 6.625 808.02 BAKERSFIELD CA 93305 5 12/09/03 11 0419164322 05 02/01/04 25 0419164322 O 01/01/34 0 8974728 E22/G02 F 529,000.00 TX 360 529,000.00 1 6.125 3,214.26 79 5.875 3,214.26 1 DALLAS TX 75219 5 12/12/03 00 0419173448 05 02/01/04 0 0419173448 O 01/01/34 0 8974766 E22/G02 F 61,200.00 ZZ 360 61,200.00 3 7.375 422.69 90 7.125 422.69 AUBURN IN 46706 1 12/17/03 01 0418200654 05 02/01/04 25 0419200654 N 01/01/34 0 8974798 E22/G02 F 50,000.00 ZZ 360 50,000.00 1 6.500 316.03 80 6.250 316.03 CASSOPOLIS MI 49031 1 12/17/03 00 0419215678 05 02/01/04 0 0419215678 N 01/01/34 0 8974846 E22/G02 F 90,250.00 ZZ 360 90,250.00 4 6.500 570.44 95 6.250 570.44 ALBUQUERQUE NM 87108 1 12/10/03 01 0419225040 05 02/01/04 30 0419225040 O 01/01/34 0 8974860 E22/G02 F 180,000.00 ZZ 360 180,000.00 1 6.625 1,152.56 80 6.375 1,152.56 ARVADA CO 80003 5 12/12/03 00 0419233440 05 02/01/04 0 0419233440 O 01/01/34 0 8974910 E22/G02 F 360,000.00 ZZ 360 360,000.00 1 6.000 2,158.38 80 5.750 2,158.38 DALY CITY CA 94014 1 12/08/03 00 0419257373 05 02/01/04 0 0419257373 O 01/01/34 0 1 8974944 E22/G02 F 68,500.00 TX 360 68,500.00 1 6.875 450.00 80 6.625 450.00 DALLAS TX 75217 5 12/17/03 00 0419275334 05 02/01/04 0 0419275334 N 01/01/34 0 8975008 E22/G02 F 233,600.00 TX 360 233,600.00 1 6.125 1,419.38 80 5.875 1,419.38 DALLAS TX 75206 5 12/12/03 00 0419294749 05 02/01/04 0 0419294749 O 01/01/34 0 8975026 E22/G02 F 99,900.00 ZZ 360 99,900.00 1 6.250 615.10 80 6.000 615.10 WINDER GA 30680 2 12/17/03 00 0419313879 05 02/01/04 0 0419313879 N 01/01/34 0 8975056 S27/G02 F 96,000.00 ZZ 360 96,000.00 2 6.625 614.70 80 6.375 614.70 VILLA RICA GA 30180 2 12/15/03 00 0437214588 05 02/01/04 0 1900007521 N 01/01/34 0 8975208 742/G02 F 150,960.00 ZZ 360 150,960.00 1 7.000 1,004.34 80 6.750 1,004.34 MOUNT GRETNA PA 17064 1 12/12/03 00 0437214356 05 02/01/04 0 10123297 O 01/01/34 0 8975234 N74/G02 F 115,200.00 ZZ 360 115,095.86 1 1 6.500 728.14 80 6.250 728.14 WINSTON SALEM NC 27103 5 12/11/03 00 0437225733 05 01/16/04 0 0033864010 O 12/16/33 0 8975412 P44/G02 F 271,000.00 T 360 271,000.00 1 6.875 1,780.28 80 6.625 1,780.28 WEST PALM BEACH FL 33411 2 12/10/03 00 0437193790 05 02/01/04 0 0311070004 O 01/01/34 0 8975418 253/253 F 162,000.00 ZZ 360 162,000.00 4 6.750 1,050.73 90 6.500 1,050.73 GRAND PRAIRIE TX 75051 1 12/16/03 19 495357 05 02/01/04 25 495357 N 01/01/34 0 8975586 U05/G02 F 168,300.00 ZZ 360 168,144.00 4 6.375 1,049.97 90 6.125 1,049.97 WASHINGTON DC 20002 1 11/28/03 10 0437267966 05 01/01/04 25 3443659 N 12/01/33 0 8975852 U05/G02 F 92,800.00 TX 360 92,800.00 1 7.250 633.06 80 7.000 633.06 HITCHCOCK TX 77563 5 12/02/03 00 0437225568 05 02/01/04 0 3000429468 O 01/01/34 0 8976222 M27/G02 F 94,000.00 ZZ 360 94,000.00 1 6.125 571.15 75 5.875 571.15 MONTVALE VA 24122 2 12/08/03 00 0437209307 05 02/01/04 0 1 630025774 O 01/01/34 0 8976294 U05/G02 F 152,500.00 ZZ 360 152,500.00 3 6.875 1,001.82 90 6.625 1,001.82 REDDING CA 96001 1 12/01/03 10 0437244205 05 02/01/04 25 3442056 N 01/01/34 0 8976454 W93/G02 F 108,000.00 ZZ 360 108,000.00 1 6.500 682.64 62 6.250 682.64 WEST COVINA CA 91792 5 12/01/03 00 0437218761 01 02/01/04 0 67509904 N 01/01/34 0 8977732 253/253 F 144,000.00 TX 360 144,000.00 1 6.500 910.18 80 6.250 910.18 PLANO TX 75075 5 12/10/03 00 498909 05 02/01/04 0 498909 O 01/01/34 0 8977948 E22/G02 F 192,000.00 ZZ 360 192,000.00 1 6.625 1,229.40 80 6.375 1,229.40 DEXTER MI 48130 1 12/18/03 00 0419212055 05 02/01/04 0 0419212055 O 01/01/34 0 8977952 E22/G02 F 440,000.00 ZZ 360 440,000.00 1 6.000 2,638.02 80 5.750 2,638.02 CLOVIS CA 93611 1 12/11/03 00 0419219381 05 02/01/04 0 0419219381 O 01/01/34 0 1 8977958 E22/G02 F 176,000.00 ZZ 360 176,000.00 1 6.375 1,098.01 47 6.125 1,098.01 PASADENA CA 91101 5 12/11/03 00 0419220405 01 02/01/04 0 0419220405 O 01/01/34 0 8977998 E22/G02 F 70,700.00 ZZ 360 70,700.00 1 6.500 446.87 70 6.250 446.87 NEWPORT NEWS VA 23608 1 12/18/03 00 0419259270 05 02/01/04 0 0419259270 N 01/01/34 0 8978040 E22/G02 F 101,000.00 ZZ 360 101,000.00 2 6.250 621.87 41 6.000 621.87 LONG BRANCH NJ 07740 5 12/18/03 00 0419289087 05 02/01/04 0 0419289087 N 01/01/34 0 8978048 E22/G02 F 260,000.00 ZZ 360 260,000.00 2 6.000 1,558.83 80 5.750 1,558.83 INGLEWOOD CA 90301 5 12/11/03 00 0419291711 05 02/01/04 0 0419291711 O 01/01/34 0 8978066 E22/G02 F 155,000.00 ZZ 360 155,000.00 3 6.500 979.71 58 6.250 979.71 MARLBORO MA 01752 1 12/18/03 00 0419302310 05 02/01/04 0 0419302310 N 01/01/34 0 8978068 U05/G02 F 368,000.00 ZZ 360 368,000.00 1 6.375 2,295.84 80 6.125 2,295.84 1 BRENTWOOD CA 94513 5 12/03/03 00 0437217888 05 02/01/04 0 3442508 O 01/01/34 0 8978116 E22/G02 F 97,200.00 ZZ 240 97,200.00 1 6.625 731.87 75 6.375 731.87 COVINGTON GA 30014 2 12/18/03 00 0418697520 05 02/01/04 0 0418697520 N 01/01/24 0 8978118 E22/G02 F 835,000.00 TX 360 835,000.00 1 6.125 5,073.55 50 5.875 5,073.55 HOUSTON TX 77019 5 12/12/03 00 0418761862 03 02/01/04 0 0418761862 O 01/01/34 0 8978146 E22/G02 F 166,495.00 ZZ 360 166,495.00 1 6.750 1,079.88 90 6.500 1,079.88 FLORENCE OR 97439 1 12/09/03 04 0418962783 05 02/01/04 30 0418962783 O 01/01/34 0 8978200 E22/G02 F 146,200.00 ZZ 360 146,200.00 1 6.375 912.10 65 6.125 912.10 RIVERSIDE CA 92504 5 12/08/03 00 0419126941 05 02/01/04 0 0419126941 N 01/01/34 0 8978206 E22/G02 F 252,000.00 ZZ 360 252,000.00 1 6.250 1,551.61 80 6.000 1,551.61 BAKERSFIELD CA 93307 5 12/11/03 00 0419138144 05 02/01/04 0 0419138144 O 01/01/34 0 1 8981054 E47/G02 F 80,700.00 ZZ 360 80,628.80 1 6.625 516.73 28 6.375 516.73 POMFRET MD 20675 5 11/21/03 00 0437215296 05 01/01/04 0 7342510868 O 12/01/33 0 8981130 477/G02 F 370,000.00 ZZ 360 369,711.37 4 7.250 2,524.05 77 7.000 2,524.05 LOS ANGELES CA 90019 5 11/19/03 00 0437228166 05 01/01/04 0 264760 O 12/01/33 0 8981140 477/G02 F 110,500.00 ZZ 360 110,289.75 1 6.250 680.37 90 6.000 680.37 FRESNO CA 93707 5 10/03/03 11 0437216948 05 12/01/03 25 264346 O 11/01/33 0 8981168 E47/G02 F 84,350.00 ZZ 360 84,350.00 1 6.750 547.09 80 6.500 547.09 NEW BRAUNFELS TX 78130 1 12/03/03 00 0437208721 03 02/01/04 0 7329015034 N 01/01/34 0 8981178 B23/G02 F 100,000.00 ZZ 360 100,000.00 1 6.625 640.31 80 6.375 640.31 HESPERIA CA 92345 5 12/05/03 00 0437214661 05 02/01/04 0 80004456 O 01/01/34 0 8981186 H58/G02 F 112,800.00 ZZ 360 112,800.00 1 1 7.250 769.50 80 7.000 769.50 PORTLAND OR 97233 1 12/04/03 00 0437213853 05 02/01/04 0 0000204642 N 01/01/34 0 8981190 A38/G02 F 228,000.00 ZZ 360 228,000.00 4 6.875 1,497.80 80 6.625 1,497.80 DEWEY AZ 86327 1 12/08/03 00 0437212624 05 02/01/04 0 35034368 N 01/01/34 0 8981254 T44/G02 F 172,500.00 ZZ 360 172,347.80 2 6.625 1,104.54 75 6.375 1,104.54 PORTLAND OR 97236 1 11/10/03 00 0437219330 05 01/01/04 0 1095035 N 12/01/33 0 8981330 253/253 F 162,000.00 ZZ 360 162,000.00 4 6.750 1,050.73 90 6.500 1,050.73 GRAND PRAIRIE TX 75051 1 12/16/03 14 334359 05 02/01/04 25 334359 N 01/01/34 0 8981646 P44/G02 F 65,200.00 ZZ 360 65,200.00 1 7.250 444.78 90 7.000 444.78 HINSDALE NH 03451 1 12/17/03 10 0437211568 05 02/01/04 25 8638743 N 01/01/34 0 8981860 E22/G02 F 180,000.00 TX 360 180,000.00 1 6.375 1,122.97 80 6.125 1,122.97 AUSTIN TX 78747 5 12/15/03 00 0418860714 03 02/01/04 0 1 0418860714 O 01/01/34 0 8981900 E22/G02 F 180,500.00 ZZ 360 180,500.00 1 7.000 1,200.87 95 6.750 1,200.87 PORTLAND OR 97203 5 12/12/03 10 0419061353 05 02/01/04 30 0419061353 O 01/01/34 0 8981934 E22/G02 F 168,000.00 ZZ 360 168,000.00 3 6.750 1,089.64 80 6.500 1,089.64 PORTLAND OR 97206 2 12/15/03 00 0419078506 05 02/01/04 0 0419078506 N 01/01/34 0 8981942 E22/G02 F 39,000.00 ZZ 360 39,000.00 1 7.625 276.04 68 7.375 276.04 EUCLID OH 44123 5 12/19/03 00 0419082128 01 02/01/04 0 0419082128 N 01/01/34 0 8981944 E22/G02 F 84,550.00 ZZ 360 84,550.00 1 6.500 534.41 95 6.250 534.41 WAPAKONETA OH 45895 2 12/12/03 01 0419084181 05 02/01/04 30 0419084181 O 01/01/34 0 8981980 E22/G02 F 212,000.00 ZZ 360 212,000.00 1 6.500 1,339.98 79 6.250 1,339.98 NORTH ANDOVER MA 01845 5 12/15/03 00 0419177399 07 02/01/04 0 0419177399 O 01/01/34 0 1 8981982 E22/G02 F 240,000.00 ZZ 360 240,000.00 1 6.125 1,458.27 80 5.875 1,458.27 GAINSVILLE VA 20155 2 12/15/03 00 0419177811 03 02/01/04 0 0419177811 O 01/01/34 0 8982046 E22/G02 F 815,500.00 ZZ 360 815,500.00 1 6.000 4,889.33 61 5.750 4,889.33 GRASS VALLEY CA 95949 2 12/09/03 00 0419249859 05 02/01/04 0 0419249859 O 01/01/34 0 8982206 E22/G02 F 139,200.00 ZZ 360 139,200.00 1 6.125 845.79 80 5.875 845.79 RONALD WA 98940 2 12/15/03 00 0417896917 05 02/01/04 0 0417896917 O 01/01/34 0 8982236 E22/G02 F 57,595.00 ZZ 360 57,595.00 1 6.750 373.56 67 6.500 373.56 CHESAPEAKE VA 23324 2 12/19/03 00 0418986451 05 02/01/04 0 0418986451 N 01/01/34 0 8982240 E22/G02 F 60,675.00 ZZ 360 60,675.00 1 6.750 393.54 67 6.500 393.54 CHESAPEAKE VA 23324 2 12/19/03 00 0418986592 05 02/01/04 0 0418986592 N 01/01/34 0 8982258 E22/G02 F 132,400.00 ZZ 360 132,400.00 2 6.875 869.77 80 6.625 869.77 1 NEW ORLEANS LA 70119 1 12/19/03 00 0419014485 05 02/01/04 0 0419014485 N 01/01/34 0 8982332 E22/G02 F 76,500.00 ZZ 360 76,500.00 1 6.375 477.26 73 6.125 477.26 FERNLEY NV 89408 2 12/16/03 00 0419202882 05 02/01/04 0 0419202882 N 01/01/34 0 8982338 E22/G02 F 189,600.00 ZZ 360 189,600.00 1 7.000 1,261.41 79 6.750 1,261.41 TIGARD OR 97224 2 12/11/03 00 0419206693 05 02/01/04 0 0419206693 O 01/01/34 0 8982386 E22/G02 F 152,000.00 ZZ 360 152,000.00 1 6.500 960.74 70 6.250 960.74 YAKIMA WA 98902 5 12/10/03 00 0419264015 05 02/01/04 0 0419264015 O 01/01/34 0 8982416 E22/G02 F 247,500.00 ZZ 360 247,500.00 3 7.500 1,730.56 90 7.250 1,730.56 WORCESTER MA 01604 1 12/22/03 10 0419279948 05 02/01/04 25 0419279948 N 01/01/34 0 8982424 E22/G02 F 180,000.00 ZZ 360 180,000.00 1 6.000 1,079.19 80 5.750 1,079.19 LODI CA 95240 5 12/12/03 00 0419284500 05 02/01/04 0 0419284500 O 01/01/34 0 1 8982494 E22/G02 F 106,400.00 ZZ 360 106,400.00 3 7.625 753.09 80 7.375 753.09 IMPERIAL MO 63052 2 12/19/03 00 0419372719 05 02/01/04 0 0419372719 N 01/01/34 0 8982504 E22/G02 F 64,600.00 ZZ 360 64,600.00 1 6.375 403.02 87 6.125 403.02 PUEBLO CO 81003 2 12/19/03 01 0419385307 05 02/01/04 25 0419385307 N 01/01/34 0 8982518 E22/G02 F 106,400.00 ZZ 360 106,400.00 3 7.625 753.09 80 7.375 753.09 IMPERIAL MO 63052 2 12/19/03 00 0419395611 05 02/01/04 0 0419395611 N 01/01/34 0 8982520 E22/G02 F 106,400.00 ZZ 360 106,400.00 3 7.625 753.09 80 7.375 753.09 IMPERIAL MO 63052 2 12/19/03 00 0419395645 05 02/01/04 0 0419395645 N 01/01/34 0 8982532 K15/G02 F 60,000.00 ZZ 360 60,000.00 1 6.625 384.19 80 6.375 384.19 CAMPBELL OH 44405 5 12/10/03 00 0437214760 05 02/01/04 0 028005514708 O 01/01/34 0 8982570 K15/G02 F 123,300.00 ZZ 360 123,185.80 1 1 6.375 769.23 90 6.125 769.23 PHOENIX AZ 85053 5 11/06/03 41 0437216443 05 01/01/04 25 021705515008 O 12/01/33 0 8982578 E57/G02 F 107,200.00 ZZ 360 107,200.00 1 6.500 677.58 80 6.250 677.58 BLOOMINGTON ARE CA 92316 5 12/05/03 00 0437212897 05 02/01/04 0 06019864 O 01/01/34 0 8983814 B23/G02 F 110,000.00 ZZ 360 110,000.00 1 6.625 704.34 82 6.375 704.34 VICTORVILLE CA 92392 5 12/09/03 10 0437216351 05 02/01/04 12 80004542 O 01/01/34 0 8984012 253/253 F 162,000.00 ZZ 360 162,000.00 4 6.750 1,050.73 90 6.500 1,050.73 GRAND PRAIRIE TX 75051 1 12/16/03 14 334357 05 02/01/04 25 334357 N 01/01/34 0 8984058 477/G02 F 436,000.00 ZZ 360 435,190.21 1 6.375 2,720.07 80 6.125 2,720.07 SAN JOSE CA 95136 1 10/09/03 00 0437224470 05 12/01/03 0 229595 O 11/01/33 0 8984062 477/G02 F 180,000.00 ZZ 360 179,841.19 2 6.625 1,152.56 75 6.375 1,152.56 LOS ANGELES CA 90031 5 11/05/03 00 0437221112 05 01/01/04 0 1 263763 O 12/01/33 0 8984094 477/G02 F 581,000.00 ZZ 360 580,499.78 1 6.750 3,768.35 75 6.500 3,768.35 LAKEWOOD CA 90712 1 11/24/03 00 0437224009 05 01/01/04 0 264088 O 12/01/33 0 8984132 477/G02 F 467,000.00 ZZ 360 467,000.00 1 6.125 2,837.54 65 5.875 2,837.54 EL CAJON CA 92020 5 12/08/03 00 0437236243 05 02/01/04 0 264824 O 01/01/34 0 8984144 G34/G02 F 294,400.00 ZZ 360 293,798.21 4 5.875 1,741.49 80 5.625 1,741.49 REDLANDS CA 92373 2 11/08/03 00 0437242704 05 12/01/03 0 43100208 N 11/01/33 0 8984260 477/G02 F 274,000.00 ZZ 360 273,515.18 2 6.625 1,754.45 74 6.375 1,754.45 WHITTIER CA 90605 2 10/30/03 00 0437224272 05 12/01/03 0 264391 O 11/01/33 0 8984262 P34/G02 F 74,000.00 ZZ 360 74,000.00 1 6.750 479.97 72 6.500 479.97 PROVIDENCE RI 02907 5 12/16/03 00 0437224132 05 02/01/04 0 16813 N 01/01/34 0 1 8984272 313/G02 F 348,000.00 ZZ 240 348,000.00 1 6.250 2,543.64 80 6.000 2,543.64 DALLAS TX 75204 2 12/04/03 00 0437220361 06 02/01/04 0 9965948 O 01/01/24 0 8984280 313/G02 F 109,520.00 ZZ 360 109,420.98 1 6.500 692.25 80 6.250 692.25 LOGANVILLE GA 30047 1 11/26/03 00 0437226764 03 01/01/04 0 9982547 O 12/01/33 0 8984294 313/G02 F 108,000.00 ZZ 360 107,909.26 1 6.875 709.49 90 6.625 709.49 SOUTH BELOIT IL 61080 1 11/18/03 01 0437220502 05 01/01/04 25 9972522 N 12/01/33 0 8984296 313/G02 F 160,000.00 ZZ 360 159,862.24 2 6.750 1,037.76 80 6.500 1,037.76 PORTLAND OR 97214 2 11/12/03 00 0437225592 05 01/01/04 0 9953621 N 12/01/33 0 8984298 313/G02 F 94,400.00 ZZ 360 94,317.28 1 6.875 620.15 90 6.625 620.15 MONROE CENTER IL 61052 1 11/21/03 01 0437221203 05 01/01/04 25 9972613 N 12/01/33 0 8984302 313/G02 F 82,800.00 ZZ 360 82,730.44 2 6.875 543.94 90 6.625 543.94 1 SPOKANE VALLEY WA 99206 2 11/25/03 01 0437220585 05 01/01/04 25 9916610 N 12/01/33 0 8984304 313/G02 F 600,000.00 ZZ 360 599,470.63 1 6.625 3,841.87 80 6.375 3,841.87 WESTLAKE VILLAG CA 91361 2 09/19/03 00 0437224280 03 01/01/04 0 9919648 O 12/01/33 0 8984328 313/G02 F 86,250.00 ZZ 360 84,912.15 4 7.375 595.71 64 7.125 595.71 SAINT LOUIS MO 63118 2 12/05/03 00 0437224587 05 02/01/04 0 9972126 N 01/01/34 0 8984330 313/G02 F 85,250.00 ZZ 360 84,925.14 4 7.375 588.81 64 7.125 588.81 SAINT LOUIS MO 63118 2 12/05/03 00 0437220783 05 02/01/04 0 9972142 N 01/01/34 0 8984614 R26/G02 F 95,000.00 ZZ 360 95,000.00 1 6.875 624.08 46 6.625 624.08 HEALDSBURG CA 95448 5 12/04/03 00 0437217284 01 02/01/04 0 1031114009 N 01/01/34 0 8984900 T23/G02 F 78,400.00 ZZ 360 78,340.34 3 7.375 541.49 79 7.125 541.49 CLEVELAND OH 44105 5 12/18/03 00 0437236920 05 01/18/04 0 7141 N 12/18/33 0 1 8985002 Q30/G02 F 156,500.00 ZZ 240 156,500.00 2 7.125 1,225.11 67 6.875 1,225.11 POUGHKEEPSIE NY 12601 2 12/12/03 00 0437217326 05 02/01/04 0 32013571 N 01/01/24 0 8985252 P44/G02 F 237,000.00 ZZ 360 237,000.00 1 6.375 1,478.57 63 6.125 1,478.57 WEST BARNSTABLE MA 02668 1 12/15/03 00 0437216906 05 02/01/04 0 115500482 O 01/01/34 0 8985412 738/G02 F 111,000.00 ZZ 360 111,000.00 3 7.000 738.49 75 6.750 738.49 LAKE WORTH FL 33460 1 12/16/03 00 0437217011 05 02/01/04 0 8706126 N 01/01/34 0 8985552 168/168 F 405,000.00 ZZ 360 405,000.00 1 6.500 2,559.88 80 6.250 2,559.88 FLUSHING NY 11358 1 12/11/03 00 0379919168 05 02/01/04 0 0379919168 O 01/01/34 0 8985584 G34/G02 F 171,050.00 ZZ 360 171,050.00 1 6.500 1,081.15 90 6.250 1,081.15 LAS VEGAS NV 89139 1 12/09/03 10 0437224314 03 02/01/04 25 77301446 N 01/01/34 0 8985756 N74/G02 F 109,250.00 ZZ 360 109,160.45 1 1 7.000 726.84 95 6.750 726.84 WAYNESBORO VA 22980 2 12/12/03 10 0437220080 05 01/17/04 30 0033881010 O 12/17/33 0 8985760 G27/G02 F 161,250.00 ZZ 360 161,250.00 1 6.750 1,045.86 78 6.500 1,045.86 POMONA CA 91767 5 12/16/03 00 0437242845 05 02/01/04 0 29303080 N 01/01/34 0 8985816 Y65/G02 F 429,000.00 ZZ 360 428,203.21 1 6.375 2,676.40 78 6.125 2,676.40 DOBBS FERRY NY 10522 5 10/27/03 00 0437217383 05 12/01/03 0 40097740 O 11/01/33 0 8985832 Y65/G02 F 364,000.00 ZZ 360 363,255.95 1 5.875 2,153.20 80 5.625 2,153.20 CHATTANOOGA TN 37421 1 10/30/03 00 0437227226 05 12/01/03 0 40103962 O 11/01/33 0 8985848 Y65/G02 F 331,850.00 ZZ 360 331,535.13 1 6.250 2,043.26 80 6.000 2,043.26 LOS BANOS CA 93635 1 11/10/03 00 0437224439 05 01/01/04 0 40111670 O 12/01/33 0 8985862 Y65/G02 F 581,250.00 ZZ 360 580,657.39 1 5.875 3,438.31 75 5.625 3,438.31 SACRAMENTO CA 95829 2 10/31/03 00 0437223985 05 01/01/04 0 1 40105422 O 12/01/33 0 8985868 Y65/G02 F 371,000.00 ZZ 360 370,647.98 1 6.250 2,284.31 53 6.000 2,284.31 ESPARTO CA 95627 5 11/19/03 00 0437221260 05 01/01/04 0 40114530 O 12/01/33 0 8985906 Y65/G02 F 450,000.00 ZZ 360 448,980.25 1 5.750 2,626.08 70 5.500 2,626.08 LOS ANGELES CA 90066 5 10/14/03 00 0437219470 05 12/01/03 0 40107471 O 11/01/33 0 8986608 758/G02 F 379,200.00 ZZ 360 379,200.00 1 6.250 2,334.80 80 6.000 2,334.80 KATY TX 77494 1 12/16/03 00 0437226244 05 02/01/04 0 303713 O 01/01/34 0 8986690 944/G02 F 258,900.00 ZZ 360 258,900.00 2 6.375 1,615.20 65 6.125 1,615.20 NORCO CA 92860 5 12/12/03 00 0437229982 05 02/01/04 0 W03040188 N 01/01/34 0 8986730 P44/G02 F 400,000.00 ZZ 360 400,000.00 1 6.500 2,528.27 36 6.250 2,528.27 WINCHESTER MA 01890 1 12/19/03 00 0437218118 05 02/01/04 0 0310250000 O 01/01/34 0 1 8986896 T79/G02 F 230,400.00 ZZ 360 230,400.00 1 7.500 1,610.99 90 7.250 1,610.99 FORT LAUDERDALE FL 33305 1 12/15/03 11 0437225469 05 02/01/04 25 5010311002 N 01/01/34 0 8986910 B39/G02 F 99,375.00 ZZ 360 99,375.00 1 7.500 694.84 75 7.250 694.84 MINNEAPOLIS MN 55417 5 12/23/03 00 0437220148 05 02/01/04 0 8696046 N 01/01/34 0 8987010 S43/G02 F 76,000.00 T 360 76,000.00 1 6.750 492.93 80 6.500 492.93 ALBUQUERQUE NM 87121 1 12/15/03 00 0437221567 05 02/01/04 0 181030036700 O 01/01/34 0 8987054 883/G02 F 59,371.00 ZZ 360 59,371.00 3 7.000 395.00 90 6.750 395.00 LARKSVILLE PA 18651 1 12/17/03 04 0437229388 05 02/01/04 25 82000623 N 01/01/34 0 8987110 E22/G02 F 294,500.00 TX 360 294,500.00 1 6.125 1,789.41 79 5.875 1,789.41 AUSTIN TX 78756 5 12/18/03 00 0418728994 05 02/01/04 0 0418728994 O 01/01/34 0 8987152 E22/G02 F 149,000.00 ZZ 360 149,000.00 1 7.125 1,003.84 86 6.875 1,003.84 1 LACEY WA 98503 2 12/12/03 10 0418917035 03 02/01/04 25 0418917035 O 01/01/34 0 8987208 E22/G02 F 208,250.00 ZZ 360 208,250.00 1 6.500 1,316.28 85 6.250 1,316.28 LINCOLN WA 99147 5 12/16/03 04 0419047824 05 02/01/04 25 0419047824 O 01/01/34 0 8987228 E22/G02 F 348,000.00 TX 360 348,000.00 1 6.250 2,142.70 80 6.000 2,142.70 HOUSTON TX 77079 5 12/17/03 00 0419071345 03 02/01/04 0 0419071345 O 01/01/34 0 8987374 E22/G02 F 185,250.00 ZZ 360 185,250.00 1 6.875 1,216.96 95 6.625 1,216.96 TULARE CA 93274 5 12/11/03 01 0419202957 05 02/01/04 30 0419202957 O 01/01/34 0 8987436 E22/G02 F 122,750.00 ZZ 360 122,750.00 1 6.625 785.98 75 6.375 785.98 MILWAUKIE OR 97267 2 12/18/03 00 0419234877 05 02/01/04 0 0419234877 N 01/01/34 0 8987464 E22/G02 F 123,979.00 ZZ 360 123,979.00 1 6.500 783.63 90 6.250 783.63 OBERLIN OH 44074 1 12/23/03 01 0419256532 05 02/01/04 25 0419256532 N 01/01/34 0 1 8987482 E22/G02 F 279,212.00 ZZ 360 279,212.00 1 6.125 1,696.52 64 5.875 1,696.52 LAKE WORTH FL 33467 1 12/23/03 00 0419272810 03 02/01/04 0 0419272810 O 01/01/34 0 8987486 E22/G02 F 650,000.00 ZZ 360 650,000.00 2 6.375 4,055.15 71 6.125 4,055.15 SAN FRANCISCO CA 94114 1 12/18/03 00 0419273586 05 02/01/04 0 0419273586 O 01/01/34 0 8987538 168/168 F 22,100.00 ZZ 360 22,069.46 2 7.875 160.25 80 7.625 160.25 SYRACUSE NY 13203 5 10/16/03 00 0379442418 05 12/01/03 0 0379442418 N 11/01/33 0 8987602 E22/G02 F 224,500.00 ZZ 360 224,500.00 1 6.125 1,364.09 60 5.875 1,364.09 SAN DIEGO CA 92123 5 12/08/03 00 0419315734 05 02/01/04 0 0419315734 O 01/01/34 0 8987636 E22/G02 F 111,000.00 ZZ 360 111,000.00 1 6.375 692.50 80 6.125 692.50 SWEENY TX 77480 5 12/16/03 00 0419021282 05 02/01/04 0 0419021282 O 01/01/34 0 8987648 E22/G02 F 192,000.00 TX 360 192,000.00 1 1 6.125 1,166.61 80 5.875 1,166.61 FORNEY TX 75126 5 12/15/03 00 0419044391 03 02/01/04 0 0419044391 O 01/01/34 0 8987652 E22/G02 F 364,000.00 TX 360 364,000.00 1 6.125 2,211.70 80 5.875 2,211.70 LA PORTE TX 77571 5 12/12/03 00 0419046560 05 02/01/04 0 0419046560 O 01/01/34 0 8987906 738/G02 F 112,700.00 ZZ 360 112,700.00 1 7.750 807.40 80 7.500 807.40 PALM BAY FL 32907 1 12/17/03 00 0437226608 05 02/01/04 0 41577486 N 01/01/34 0 8987942 E22/G02 F 58,410.00 ZZ 360 58,410.00 2 6.875 383.71 90 6.625 383.71 MISHAWAKA IN 46545 1 12/23/03 01 0419413646 05 02/01/04 25 0419413646 N 01/01/34 0 8987992 E22/G02 F 147,750.00 ZZ 360 147,750.00 1 6.125 897.74 75 5.875 897.74 AURORA CO 80017 2 12/23/03 00 0419433982 05 02/01/04 0 0419433982 N 01/01/34 0 8988052 E22/G02 F 189,000.00 ZZ 360 189,000.00 2 6.125 1,148.38 48 5.875 1,148.38 SOUTH RICHMOND NY 11419 5 12/17/03 00 0419243498 05 02/01/04 0 1 0419243498 O 01/01/34 0 8988084 E22/G02 F 103,000.00 ZZ 360 103,000.00 1 6.125 625.84 65 5.875 625.84 BEAVERTON OR 97006 2 12/17/03 00 0419260658 05 02/01/04 0 0419260658 N 01/01/34 0 8988092 E22/G02 F 78,750.00 ZZ 360 78,750.00 1 6.625 504.24 75 6.375 504.24 FORT BENTON MT 59442 5 12/16/03 00 0419264049 05 02/01/04 0 0419264049 O 01/01/34 0 8988274 E22/G02 F 395,000.00 ZZ 360 395,000.00 1 6.625 2,529.23 75 6.375 2,529.23 FORT COLLINS CO 80521 5 12/16/03 00 0418753067 05 02/01/04 0 0418753067 O 01/01/34 0 8988322 E22/G02 F 322,700.00 T 360 322,700.00 1 6.375 2,013.23 38 6.125 2,013.23 CABLE WI 54821 5 12/22/03 00 0418925467 05 02/01/04 0 0418925467 O 01/01/34 0 8988392 E22/G02 F 330,000.00 ZZ 360 330,000.00 1 6.250 2,031.87 77 6.000 2,031.87 SAN LEANDRO CA 94578 1 12/15/03 00 0419383070 05 02/01/04 0 0419383070 O 01/01/34 0 1 8988400 E22/G02 F 193,000.00 ZZ 360 193,000.00 1 6.875 1,267.87 76 6.625 1,267.87 YUBA CITY CA 95993 1 12/12/03 00 0419390653 05 02/01/04 0 0419390653 N 01/01/34 0 8988418 E22/G02 F 82,425.00 ZZ 360 82,425.00 1 7.250 562.28 75 7.000 562.28 BRYAN TX 77802 5 12/22/03 00 0419398128 05 02/01/04 0 0419398128 N 01/01/34 0 8988450 E22/G02 F 292,000.00 ZZ 360 292,000.00 1 6.750 1,893.91 80 6.500 1,893.91 DALLAS TX 75219 2 12/17/03 00 0419201116 06 02/01/04 0 0419201116 O 01/01/34 0 8988508 E22/G02 F 74,300.00 ZZ 360 74,300.00 1 6.500 469.63 80 6.250 469.63 NEWPORT NEWS VA 23601 5 12/22/03 00 0419206727 05 02/01/04 0 0419206727 N 01/01/34 0 8988548 E22/G02 F 270,000.00 ZZ 240 270,000.00 4 7.125 2,113.61 90 6.875 2,113.61 LAKE WORTH FL 33463 1 12/22/03 11 0419268586 05 02/01/04 25 0419268586 N 01/01/24 0 8988756 E22/G02 F 56,800.00 ZZ 360 56,800.00 1 6.875 373.14 80 6.625 373.14 1 CHARLOTTE NC 28215 1 12/10/03 00 0419296488 05 02/01/04 0 0419296488 N 01/01/34 0 8988780 E22/G02 F 50,000.00 ZZ 360 50,000.00 1 6.500 316.03 72 6.250 316.03 COLUMBIA SC 29209 5 12/22/03 00 0419311238 05 02/01/04 0 0419311238 N 01/01/34 0 8989092 738/G02 F 192,000.00 ZZ 360 192,000.00 1 6.500 1,213.58 79 6.250 1,213.58 RALEIGH NC 27613 5 12/15/03 00 0437219090 05 02/01/04 0 41529324 O 01/01/34 0 8989502 M18/G02 F 277,500.00 ZZ 360 277,500.00 1 6.500 1,753.99 76 6.250 1,753.99 FONTANA CA 92336 1 12/11/03 00 0437231343 05 02/01/04 0 980102579 O 01/01/34 0 8990066 E82/G02 F 109,200.00 ZZ 360 109,200.00 1 6.125 663.51 80 5.875 663.51 ASHVILLE AL 35953 5 12/22/03 00 0400929741 05 02/01/04 0 0400929741 O 01/01/34 0 8990700 U05/G02 F 384,000.00 ZZ 360 384,000.00 1 6.375 2,395.66 80 6.125 2,395.66 LONG BEACH CA 90815 5 12/18/03 00 0437234123 05 02/01/04 0 8720485 O 01/01/34 0 1 8991142 253/253 F 372,000.00 ZZ 360 372,000.00 1 6.625 2,381.96 80 6.375 2,381.96 CORRALES NM 87048 5 12/10/03 00 335444 05 02/01/04 0 335444 O 01/01/34 0 8991804 E22/G02 F 281,000.00 ZZ 360 281,000.00 1 6.125 1,707.39 80 5.875 1,707.39 HOLLISTER CA 95023 2 12/19/03 00 0418889424 05 02/01/04 0 0418889424 N 01/01/34 0 8991810 R84/G02 F 142,400.00 ZZ 360 142,400.00 1 6.000 853.76 80 5.750 853.76 LAS VEGAS NV 89130 1 12/19/03 00 0437224652 05 02/01/04 0 LVW7257 O 01/01/34 0 8992312 E22/G02 F 57,500.00 ZZ 360 57,500.00 1 7.250 392.25 80 7.000 392.25 SPOKANE WA 99202 5 12/17/03 00 0419272117 05 02/01/04 0 0419272117 N 01/01/34 0 8992346 E22/G02 F 125,100.00 ZZ 360 125,100.00 3 6.875 821.82 90 6.625 821.82 NORFOLK VA 23504 1 12/24/03 01 0419290127 05 02/01/04 25 0419290127 N 01/01/34 0 8992426 E22/G02 F 488,000.00 ZZ 360 488,000.00 1 1 6.250 3,004.70 80 6.000 3,004.70 CROTON ON HUDSO NY 10520 5 12/19/03 00 0419323894 05 02/01/04 0 0419323894 O 01/01/34 0 8992488 E22/G02 F 166,500.00 ZZ 360 166,500.00 1 6.750 1,079.92 90 6.500 1,079.92 CHICAGO IL 60634 1 12/24/03 10 0419355359 05 02/01/04 25 0419355359 N 01/01/34 0 8992760 E22/G02 F 186,000.00 ZZ 360 186,000.00 1 6.250 1,145.23 76 6.000 1,145.23 BURIEN WA 98168 2 12/18/03 00 0419390018 05 02/01/04 0 0419390018 O 01/01/34 0 8992786 Y62/G02 F 468,000.00 ZZ 360 468,000.00 1 6.375 2,919.71 80 6.125 2,919.71 WALNUT CA 91789 1 12/15/03 00 0437226889 05 02/01/04 0 8908718000 O 01/01/34 0 8994158 G34/G02 F 29,625.00 ZZ 360 29,598.86 1 6.625 189.69 75 6.375 189.69 MARION OH 43302 1 11/25/03 00 0437226301 05 01/01/04 0 47012925 N 12/01/33 0 8994266 G34/G02 F 61,216.00 ZZ 360 61,164.57 1 6.875 402.15 90 6.625 402.15 CEDAR HILL TX 75104 1 11/25/03 04 0437227689 05 01/01/04 25 1 47013130 N 12/01/33 0 8996300 E22/G02 F 128,800.00 ZZ 360 128,800.00 4 7.500 900.59 80 7.250 900.59 FAYETTEVILLE NC 28303 1 12/26/03 00 0419366430 05 02/01/04 0 0419366430 N 01/01/34 0 8996312 E22/G02 F 197,500.00 ZZ 360 197,500.00 1 6.375 1,232.14 80 6.125 1,232.14 HENDERSON NV 89015 1 12/16/03 00 0419403704 05 02/01/04 0 0419403704 O 01/01/34 0 8996334 E22/G02 F 337,750.00 ZZ 360 337,750.00 1 6.500 2,134.81 70 6.250 2,134.81 CAMARILLO CA 93010 1 12/22/03 00 0419275961 29 02/01/04 0 0419275961 N 01/01/34 0 8996356 E22/G02 F 300,000.00 ZZ 360 300,000.00 1 6.000 1,798.65 29 5.750 1,798.65 EL CAJON CA 92019 5 12/03/03 00 0419031265 03 02/01/04 0 0419031265 O 01/01/34 0 8996360 E22/G02 F 125,100.00 ZZ 360 125,100.00 4 7.375 864.03 90 7.125 864.03 TULSA OK 74136 1 12/24/03 01 0419097290 05 02/01/04 25 0419097290 N 01/01/34 0 1 8996410 E22/G02 F 125,100.00 ZZ 360 125,100.00 4 7.375 864.03 90 7.125 864.03 TULSA OK 74136 1 12/24/03 01 0419190814 05 02/01/04 25 0419190814 N 01/01/34 0 8996528 144/144 F 480,000.00 ZZ 360 480,000.00 1 6.750 3,113.27 80 6.500 3,113.27 HIGHLAND NY 12528 5 12/16/03 00 160693200 05 02/01/04 0 160693200 O 01/01/34 0 8997768 Y21/G02 F 270,000.00 ZZ 360 269,755.91 1 6.500 1,706.59 85 6.250 1,706.59 EDISON NJ 08817 5 11/25/03 04 0437230402 05 01/01/04 12 203925548 O 12/01/33 0 8998726 H04/G02 F 178,650.00 ZZ 360 178,650.00 4 6.625 1,143.92 90 6.375 1,143.92 LAS VEGAS NV 89101 1 12/15/03 11 0437232481 05 02/01/04 25 450666 N 01/01/34 0 8999106 E22/G02 F 186,000.00 ZZ 360 186,000.00 1 5.875 1,100.26 79 5.625 1,100.26 AZUSA CA 91702 5 12/16/03 00 0419270814 01 02/01/04 0 0419270814 O 01/01/34 0 8999108 E82/G02 F 372,000.00 ZZ 360 372,000.00 1 6.750 2,412.78 88 6.500 2,412.78 1 ROCKLIN CA 95765 5 12/22/03 10 0400930160 05 02/01/04 25 0400930160 O 01/01/34 0 8999124 E82/G02 F 109,000.00 ZZ 360 109,000.00 2 6.375 680.02 42 6.125 680.02 NASHUA NH 03060 2 12/26/03 00 0400936514 05 02/01/04 0 0400936514 O 01/01/34 0 8999188 E22/G02 F 128,000.00 ZZ 360 128,000.00 1 7.000 851.59 74 6.750 851.59 PORTLAND OR 97214 5 12/23/03 00 0419456876 05 02/01/04 0 0419456876 N 01/01/34 0 8999330 E22/G02 F 400,000.00 ZZ 360 400,000.00 1 6.375 2,495.48 80 6.125 2,495.48 SAN JOSE CA 95124 5 12/22/03 00 0419354345 05 02/01/04 0 0419354345 O 01/01/34 0 8999476 E22/G02 F 168,000.00 ZZ 360 168,000.00 1 6.875 1,103.64 70 6.625 1,103.64 CORVALLIS OR 97330 5 12/09/03 00 0419292370 05 02/01/04 0 0419292370 N 01/01/34 0 8999552 E22/G02 F 50,000.00 ZZ 360 50,000.00 1 7.500 349.61 68 7.250 349.61 PUEBLO CO 81004 5 12/29/03 00 0419199211 05 02/01/04 0 0419199211 N 01/01/34 0 1 8999568 E22/G02 F 360,000.00 TX 360 360,000.00 1 6.500 2,275.44 80 6.250 2,275.44 PLANO TX 75026 5 12/23/03 00 0419204383 03 02/01/04 0 0419204383 O 01/01/34 0 8999572 E22/G02 F 138,750.00 ZZ 360 138,750.00 4 6.375 865.62 75 6.125 865.62 SOUTH OGDEN UT 84403 1 12/23/03 00 0419206628 05 02/01/04 0 0419206628 N 01/01/34 0 8999720 E22/G02 F 44,800.00 ZZ 360 44,800.00 1 6.500 283.17 83 6.250 283.17 CHESTERFIELD SC 29709 5 12/22/03 01 0419059613 05 02/01/04 6 0419059613 O 01/01/34 0 8999768 E22/G02 F 288,000.00 ZZ 360 288,000.00 1 6.375 1,796.75 80 6.125 1,796.75 BEND OR 97702 2 12/18/03 00 0419030663 03 02/01/04 0 0419030663 O 01/01/34 0 8999772 E22/G02 F 272,950.00 ZZ 360 272,950.00 1 6.500 1,725.23 85 6.250 1,725.23 WEST COVINA CA 91792 5 12/23/03 04 0419033832 07 02/01/04 12 0419033832 O 01/01/34 0 8999844 E22/G02 F 207,200.00 ZZ 360 207,200.00 2 1 6.125 1,258.97 80 5.875 1,258.97 SACRAMENTO CA 95820 1 12/19/03 00 0419366828 05 02/01/04 0 0419366828 N 01/01/34 0 8999896 168/168 F 400,000.00 ZZ 360 400,000.00 1 6.500 2,528.28 76 6.250 2,528.28 STATEN ISLAND NY 10312 1 12/23/03 00 0379948559 05 02/01/04 0 0379948559 O 01/01/34 0 9000008 X67/G02 F 174,500.00 ZZ 360 174,500.00 1 7.000 1,160.95 65 6.750 1,160.95 VALLEJO CA 94590 5 12/15/03 00 0437228489 05 02/01/04 0 0000430369 N 01/01/34 0 9000018 Y21/G02 F 212,000.00 ZZ 360 211,812.96 3 6.625 1,357.46 61 6.375 1,357.46 ROSEVILLE CA 95678 5 11/25/03 00 0437230733 05 01/01/04 0 203910346 O 12/01/33 0 9000020 X67/G02 F 133,000.00 ZZ 360 133,000.00 1 7.000 884.85 70 6.750 884.85 VALLEJO CA 94590 5 12/15/03 00 0437228547 05 02/01/04 0 000428661 N 01/01/34 0 9000332 Y21/G02 F 188,000.00 ZZ 360 188,000.00 1 7.375 1,298.47 79 7.125 1,298.47 SEATTLE WA 98146 5 12/09/03 00 0437230238 05 02/01/04 0 1 203954092 O 01/01/34 0 9000470 944/G02 F 198,750.00 ZZ 360 198,750.00 2 6.875 1,305.65 75 6.625 1,305.65 LOS ANGELES ARE CA 90001 5 12/11/03 00 0437230360 05 02/01/04 0 W01728758 O 01/01/34 0 9000622 P59/G02 F 140,000.00 ZZ 360 140,000.00 1 6.750 908.04 49 6.500 908.04 SANTA MARIA CA 93454 5 12/15/03 00 0437230196 05 02/01/04 0 AT008334 N 01/01/34 0 9001096 Y21/G02 F 98,800.00 ZZ 360 98,716.99 2 6.875 649.05 65 6.625 649.05 GRESHAM OR 97030 1 11/24/03 00 0437231293 05 01/01/04 0 203939891 N 12/01/33 0 9001206 G34/G02 F 57,420.00 ZZ 360 57,371.76 1 6.875 377.21 90 6.625 377.21 CEDAR HILL TX 75104 1 12/25/03 04 0437232085 05 01/01/04 25 47013129 N 12/01/33 0 9001404 Y21/G02 F 190,000.00 ZZ 360 189,810.85 1 6.000 1,139.15 88 5.750 1,139.15 RENTON WA 98059 2 12/01/03 11 0437235666 05 01/01/04 25 203952146 O 12/01/33 0 1 9001434 Y21/G02 F 264,000.00 T 360 263,767.07 1 6.625 1,690.43 80 6.375 1,690.43 PASO ROBLES CA 93446 1 11/17/03 00 0437239049 05 01/01/04 0 203923014 O 12/01/33 0 9001476 Y21/G02 F 328,000.00 ZZ 360 327,696.20 1 6.375 2,046.30 80 6.125 2,046.30 VICTORVILLE CA 92392 1 11/21/03 00 0437231186 03 01/01/04 0 203910273 O 12/01/33 0 9001508 Y21/G02 F 135,120.00 ZZ 360 135,120.00 1 6.625 865.19 80 6.375 865.19 PORTLAND OR 97202 1 12/08/03 00 0437238918 05 02/01/04 0 203953665 N 01/01/34 0 9001520 Y21/G02 F 199,000.00 ZZ 360 198,832.81 3 6.875 1,307.29 85 6.625 1,307.29 NEWARK NJ 07107 5 11/25/03 04 0437234883 05 01/01/04 12 203935349 O 12/01/33 0 9001562 Y21/G02 F 123,750.00 ZZ 360 123,646.03 4 6.875 812.95 90 6.625 812.95 DECATUR AL 35601 1 12/05/03 14 0437236029 05 01/01/04 25 203957091 N 12/01/33 0 9001576 Y21/G02 F 215,000.00 ZZ 360 214,795.99 1 6.250 1,323.80 59 6.000 1,323.80 1 PORTLAND OR 97221 5 11/17/03 00 0437235831 03 01/01/04 0 203918762 O 12/01/33 0 9001616 Y21/G02 F 452,000.00 ZZ 360 452,000.00 1 6.500 2,856.95 80 6.250 2,856.95 RIVERSIDE CA 92505 2 12/08/03 00 0437236128 05 02/01/04 0 203924398 O 01/01/34 0 9001634 Y21/G02 F 140,000.00 ZZ 360 140,000.00 1 7.375 966.95 75 7.125 966.95 CUMBERLAND RI 02864 5 12/12/03 00 0437229826 05 02/01/04 0 203961439 N 01/01/34 0 9001660 Y21/G02 F 106,400.00 ZZ 360 106,299.04 1 6.250 655.13 80 6.000 655.13 PORTLAND OR 97217 1 11/21/03 00 0437236565 05 01/01/04 0 203925408 N 12/01/33 0 9001678 Y21/G02 F 108,000.00 ZZ 360 108,000.00 1 6.125 656.22 80 5.875 656.22 MURFREESBORO TN 37128 1 12/04/03 00 0437230485 05 02/01/04 0 203965442 O 01/01/34 0 9001698 E44/G02 F 109,200.00 ZZ 360 109,200.00 1 6.375 681.27 80 6.125 681.27 ROY UT 84067 1 12/23/03 00 0437227895 05 02/01/04 0 8721419 O 01/01/34 0 1 9001702 Y21/G02 F 101,500.00 ZZ 360 101,500.00 1 6.500 641.55 66 6.250 641.55 LAUDERHILL FL 33313 1 12/05/03 00 0437234743 05 02/01/04 0 203905881 N 01/01/34 0 9001706 Y21/G02 F 260,000.00 ZZ 360 260,000.00 1 7.375 1,795.76 80 7.125 1,795.76 TOMS RIVER NJ 08753 1 12/09/03 00 0437231590 05 02/01/04 0 203885325 N 01/01/34 0 9001770 K15/G02 F 74,800.00 ZZ 360 74,800.00 1 7.125 503.94 63 6.875 503.94 SAINT LOUIS MO 63139 5 12/15/03 00 0437236094 05 02/01/04 0 8697504 N 01/01/34 0 9002062 E22/G02 F 172,800.00 ZZ 360 172,800.00 1 6.125 1,049.95 80 5.875 1,049.95 GRAPEVINE TX 76051 2 12/30/03 00 0419460217 05 02/01/04 0 0419460217 N 01/01/34 0 9002198 Q14/G02 F 111,600.00 ZZ 360 111,600.00 1 6.875 733.13 90 6.625 733.13 SUN CITY WEST AZ 85375 1 12/11/03 01 0437232366 03 02/01/04 25 0000317316 O 01/01/34 0 9002208 E22/G02 F 94,750.00 ZZ 360 94,750.00 1 1 6.375 591.12 80 6.125 591.12 PLEASANT GROVE UT 84062 1 12/23/03 00 0419373345 01 02/01/04 0 0419373345 N 01/01/34 0 9002308 E22/G02 F 89,600.00 ZZ 360 89,600.00 1 5.875 530.02 80 5.625 530.02 FREELAND WA 98249 1 12/29/03 00 0419356365 05 02/01/04 0 0419356365 N 01/01/34 0 9002492 E22/G02 F 382,400.00 ZZ 360 382,400.00 1 6.000 2,292.68 80 5.750 2,292.68 GRASS VALLEY CA 95949 1 12/19/03 00 0419226675 05 02/01/04 0 0419226675 O 01/01/34 0 9002554 U35/G02 F 63,000.00 ZZ 360 63,000.00 1 7.375 435.13 75 7.125 435.13 FRESNO CA 93703 5 12/29/03 00 0437271414 05 02/01/04 0 8714578 N 01/01/34 0 9002574 E22/G02 F 278,000.00 ZZ 360 278,000.00 1 5.875 1,644.47 75 5.625 1,644.47 ANAHEIM CA 92805 2 12/22/03 00 0419053392 05 02/01/04 0 0419053392 O 01/01/34 0 9002606 738/G02 F 110,300.00 ZZ 360 110,300.00 1 7.500 771.24 80 7.250 771.24 PORT SAINT LUCI FL 34984 1 12/18/03 00 0437229552 05 02/01/04 0 1 41170540 N 01/01/34 0 9002852 U05/G02 F 67,500.00 ZZ 360 67,500.00 3 7.250 460.47 90 7.000 460.47 CALDWELL ID 83605 1 12/05/03 14 0437235542 05 02/01/04 25 3447591 N 01/01/34 0 9002888 738/G02 F 109,100.00 ZZ 360 109,100.00 1 7.125 735.02 80 6.875 735.02 MELBOURNE FL 32934 1 12/23/03 00 0437229701 05 02/01/04 0 41600780 N 01/01/34 0 9003046 952/G02 F 160,000.00 ZZ 360 160,000.00 2 6.875 1,051.09 40 6.625 1,051.09 GLENDALE NY 11385 5 12/12/03 00 0437233117 05 02/01/04 0 00620655 N 01/01/34 0 9003070 168/168 F 500,000.00 ZZ 360 500,000.00 1 6.625 3,201.56 79 6.375 3,201.56 BROOKLYN NY 11220 1 12/19/03 00 CD5040 05 02/01/04 0 CD5040 O 01/01/34 0 9003090 N74/G02 F 108,800.00 ZZ 360 108,691.69 1 6.000 652.31 80 5.750 652.31 LITTLE RIVER SC 29566 5 12/17/03 00 0437233026 05 01/22/04 0 0033901010 O 12/22/33 0 1 9003258 X89/G02 F 153,000.00 ZZ 360 153,000.00 1 7.000 1,017.91 90 6.750 1,017.91 GUADALUPE CA 93434 1 12/12/03 04 0437237910 05 02/01/04 25 2023456 N 01/01/34 0 9003570 225/G02 F 393,250.00 ZZ 360 391,087.87 2 6.500 2,485.61 65 6.250 2,485.61 WASHINGTON DC 20009 5 06/23/03 00 0437236300 05 08/01/03 0 006904972 N 07/01/33 0 9003572 225/G02 F 650,000.00 ZZ 360 648,763.28 2 6.250 4,002.17 44 6.000 4,002.17 HERMOSA BEACH CA 90254 5 10/16/03 00 0437236433 05 12/01/03 0 007507914 O 11/01/33 0 9003578 225/G02 F 195,000.00 ZZ 360 194,687.18 2 7.125 1,313.76 63 6.875 1,313.76 FREEPORT NY 11520 5 10/17/03 00 0437236169 05 12/01/03 0 007510130 O 11/01/33 0 9003580 225/G02 F 234,000.00 ZZ 360 233,278.13 3 7.125 1,576.51 90 6.875 1,576.51 PAWTUCKET RI 02860 1 09/29/03 11 0437235484 05 11/01/03 25 007506237 N 10/01/33 0 9003582 225/G02 F 261,250.00 ZZ 360 260,414.71 3 6.875 1,716.23 95 6.625 1,716.23 1 PROVIDENCE RI 02908 1 10/03/03 10 0437236557 05 11/01/03 30 007507492 O 10/01/33 0 9003584 225/G02 F 116,100.00 ZZ 360 115,798.43 3 6.750 753.02 90 6.500 753.02 SHEBOYGAN WI 53083 1 09/30/03 10 0437235724 05 11/01/03 25 007509803 N 10/01/33 0 9003592 225/G02 F 566,250.00 ZZ 360 563,923.73 1 5.875 3,349.58 75 5.625 3,349.58 GAINESVILLE VA 20155 4 08/29/03 00 0437236425 05 10/01/03 0 006573684 O 09/01/33 0 9003598 225/G02 F 450,000.00 T 360 448,621.47 1 6.875 2,956.18 50 6.625 2,956.18 RODANTHE NC 27968 4 09/10/03 00 0437234701 05 11/01/03 0 006866552 O 10/01/33 0 9003604 225/G02 F 300,000.00 ZZ 360 299,715.35 1 6.250 1,847.15 39 6.000 1,847.15 PONTE VEDRA B FL 32082 4 11/06/03 00 0437236763 03 01/01/04 0 006899607 O 12/01/33 0 9003606 225/G02 F 150,000.00 ZZ 360 149,175.28 1 6.500 948.10 75 6.250 948.10 WASHINGTON DC 20003 5 06/23/03 00 0437236235 05 08/01/03 0 006904971 N 07/01/33 0 1 9003608 225/G02 F 110,250.00 ZZ 360 109,643.87 1 6.500 696.85 75 6.250 696.85 WASHINGTON DC 20017 5 06/23/03 00 0437236375 05 08/01/03 0 006904973 N 07/01/33 0 9003610 225/G02 F 97,500.00 ZZ 360 97,054.48 1 6.500 616.27 70 6.250 616.27 WASHINGTON DC 20018 5 07/15/03 00 0437236003 05 09/01/03 0 006905538 N 08/01/33 0 9003612 225/G02 F 510,000.00 ZZ 360 509,119.33 1 6.750 3,307.85 75 6.500 3,307.85 OCRACOKE NC 27960 1 10/06/03 00 0437236649 05 12/01/03 0 006927141 O 11/01/33 0 9003618 225/G02 F 546,750.00 ZZ 360 545,294.82 1 6.625 3,500.90 75 6.375 3,500.90 CHARLESTON SC 29401 1 09/30/03 00 0437234172 05 11/01/03 0 006928630 O 10/01/33 0 9003622 225/G02 F 429,000.00 ZZ 360 428,017.88 1 6.625 2,746.93 65 6.375 2,746.93 COROLLA NC 27927 1 10/14/03 00 0437236722 03 12/01/03 0 006929941 N 11/01/33 0 9003624 225/G02 F 600,000.00 ZZ 360 598,441.49 1 1 6.750 3,891.59 75 6.500 3,891.59 MIRAMAR FL 33029 1 09/24/03 00 0437236623 03 11/01/03 0 006931094 O 10/01/33 0 9003626 225/G02 F 526,500.00 ZZ 360 525,676.08 1 7.250 3,591.66 65 7.000 3,591.66 LIVINGSTON NJ 07039 1 10/31/03 00 0437236771 05 12/01/03 0 006931236 N 11/01/33 0 9003628 225/G02 F 350,400.00 ZZ 360 349,779.99 1 6.625 2,243.65 80 6.375 2,243.65 MADISON BOROU NJ 07940 1 10/31/03 00 0437236383 01 12/01/03 0 006932865 O 11/01/33 0 9003886 X91/G02 F 101,200.00 ZZ 360 101,200.00 1 6.625 647.99 80 6.375 647.99 HONOLULU HI 96814 1 11/06/03 00 0437237829 01 02/01/04 0 809847 N 01/01/34 0 9004290 E22/G02 F 67,950.00 ZZ 360 67,950.00 1 6.750 440.72 90 6.500 440.72 CLEVELAND OH 44111 1 12/31/03 01 0419307988 05 02/01/04 25 0419307988 N 01/01/34 0 9004304 E22/G02 F 200,000.00 ZZ 360 200,000.00 3 7.125 1,347.44 80 6.875 1,347.44 TULARE CA 93274 1 12/30/03 00 0419315304 05 02/01/04 0 1 0419315304 N 01/01/34 0 9004546 E22/G02 F 208,000.00 TX 360 208,000.00 1 6.375 1,297.65 80 6.125 1,297.65 CEDAR CREEK TX 78612 5 12/24/03 00 0419186523 05 02/01/04 0 0419186523 O 01/01/34 0 9005536 N74/G02 F 45,000.00 ZZ 360 44,957.30 1 6.250 277.07 36 6.000 277.07 PALM BAY FL 32908 1 12/19/03 00 0437238470 05 01/19/04 0 8688404 O 12/19/33 0 9005586 P27/G02 F 382,400.00 ZZ 360 382,400.00 1 6.625 2,448.55 72 6.375 2,448.55 SONORA CA 95370 5 12/15/03 00 0437273584 05 02/01/04 0 2107711207 O 01/01/34 0 9005820 962/G02 F 128,000.00 ZZ 360 128,000.00 4 6.375 798.55 80 6.125 798.55 FARGO ND 58102 1 12/30/03 00 0437245327 05 02/01/04 0 1001033 N 01/01/34 0 9005876 U05/G02 F 310,800.00 TX 360 310,800.00 1 6.875 2,041.73 74 6.625 2,041.73 SAN ANTONIO TX 78209 5 12/16/03 00 0437242183 05 02/01/04 0 3447908 O 01/01/34 0 1 9005906 U37/U37 F 408,000.00 ZZ 360 408,000.00 1 6.250 2,512.13 80 6.000 2,512.13 OXNARD CA 93030 5 12/12/03 00 8900012540 03 02/01/04 0 8900012540 O 01/01/34 0 9007086 E22/G02 F 74,250.00 ZZ 360 74,250.00 1 6.125 451.15 90 5.875 451.15 WINSTON OR 97496 1 12/22/03 04 0419309596 05 02/01/04 25 0419309596 N 01/01/34 0 9009002 X78/G02 F 143,900.00 ZZ 360 143,900.00 1 6.750 933.33 90 6.500 933.33 CARTERSVILLE GA 30153 1 12/31/03 10 0437242654 05 02/01/04 25 990801 N 01/01/34 0 9009430 E82/G02 F 217,000.00 ZZ 360 217,000.00 2 6.125 1,318.51 70 5.875 1,318.51 NEWPORT RI 02840 2 12/22/03 00 0400935177 05 02/01/04 0 0400935177 N 01/01/34 0 9010250 G34/G02 F 86,800.00 ZZ 360 86,800.00 1 7.375 599.51 80 7.125 599.51 LAS VEGAS NV 89104 1 12/22/03 00 0437260466 05 02/01/04 0 77308285 N 01/01/34 0 9010294 U05/G02 F 80,800.00 ZZ 360 80,800.00 1 7.500 564.97 80 7.250 564.97 1 NAMPA ID 83686 2 12/18/03 00 0437254709 05 02/01/04 0 8689897 N 01/01/34 0 9010654 738/G02 F 110,300.00 ZZ 360 110,300.00 1 7.500 771.23 80 7.250 771.23 PORT SAINT LUCI FL 34983 1 12/31/03 00 0437242563 05 02/01/04 0 41201024 N 01/01/34 0 9011198 E22/G02 F 232,000.00 ZZ 360 232,000.00 3 6.750 1,504.75 80 6.500 1,504.75 LONG BRANCH NJ 07740 1 01/05/04 00 0419424783 05 02/01/04 0 0419424783 N 01/01/34 0 9011908 E22/G02 F 296,000.00 ZZ 360 296,000.00 2 6.750 1,919.85 80 6.500 1,919.85 STATEN ISLAND NY 10306 1 01/05/04 00 0418960191 05 02/01/04 0 0418960191 O 01/01/34 0 9011972 E22/G02 F 94,500.00 ZZ 360 94,500.00 1 6.375 589.56 90 6.125 589.56 COLLIERVILLE TN 38017 2 01/05/04 10 0419089222 05 02/01/04 25 0419089222 N 01/01/34 0 9012696 T44/G02 F 220,000.00 ZZ 360 220,000.00 1 6.625 1,408.68 80 6.375 1,408.68 COVENTRY RI 02816 1 12/23/03 00 0437255870 05 02/01/04 0 1099791 O 01/01/34 0 1 9014338 Q30/G02 F 650,000.00 ZZ 360 650,000.00 2 6.125 3,949.47 77 5.875 3,949.47 BROOKLYN NY 11209 1 12/30/03 00 0437257736 05 02/01/04 0 8680356 O 01/01/34 0 9014370 U05/G02 F 258,750.00 ZZ 360 258,750.00 4 6.750 1,678.25 90 6.500 1,678.25 PHOENIX AZ 85032 1 12/09/03 10 0437259278 03 02/01/04 25 3445359 N 01/01/34 0 9015936 E22/G02 F 191,000.00 ZZ 360 191,000.00 1 5.875 1,129.84 53 5.625 1,129.84 HOLLISTER CA 95023 2 12/17/03 00 0417832938 05 02/01/04 0 0417832938 N 01/01/34 0 9016296 G34/G02 F 367,500.00 ZZ 360 367,500.00 1 6.625 2,353.14 75 6.375 2,353.14 SAN JOSE CA 95136 1 12/19/03 00 0437260128 05 02/01/04 0 48204406 N 01/01/34 0 9016988 M27/G02 F 220,000.00 ZZ 360 220,000.00 1 6.125 1,336.74 64 5.875 1,336.74 SUMMERFIELD NC 27358 5 12/29/03 00 0437262421 05 02/01/04 0 0100097375 O 01/01/34 0 9018312 313/G02 F 89,550.00 ZZ 360 89,550.00 2 1 7.375 618.50 90 7.125 618.50 MESA AZ 85204 1 12/31/03 10 0437279888 05 02/01/04 25 0009901943 N 01/01/34 0 9020840 742/G02 F 35,000.00 ZZ 360 35,000.00 1 6.750 227.01 31 6.500 227.01 GREECE NY 14616 1 12/30/03 00 0437258874 05 02/01/04 0 10078061 O 01/01/34 0 9021848 X67/G02 F 123,300.00 ZZ 360 123,300.00 3 7.250 841.12 90 7.000 841.12 WATERBURY CT 06705 1 12/22/03 26 0437261761 05 02/01/04 25 000432565 N 01/01/34 0 9026188 168/168 F 400,000.00 ZZ 360 400,000.00 1 6.625 2,561.25 89 6.375 2,561.25 DOUGLASTON NY 11362 1 12/30/03 04 0379945428 05 02/01/04 25 0379945428 O 01/01/34 0 9028504 253/253 F 500,000.00 ZZ 360 500,000.00 1 6.125 3,038.06 66 5.875 3,038.06 DALLAS TX 75220 5 12/24/03 00 336820 05 02/01/04 0 336820 O 01/01/34 0 1 TOTAL NUMBER OF LOANS : 1,893 TOTAL ORIGINAL BALANCE : 320,349,542.25 TOTAL PRINCIPAL BALANCE : 319,876,474.76 TOTAL ORIGINAL P+I : 2,029,133.05 TOTAL CURRENT P+I : 2,029,133.05 *************************** * END OF REPORT * ***************************
EXHIBIT TWO SCHEDULE OF DISCOUNT FRACTIONS Schedule of Discount Fractions Loan Number Current Balance Net Mortgage Rate Discount Fraction PO Balance 8393456 $131,288.96 5.470% 4.8696% $6,393.20 8538298 $188,717.48 5.595% 2.6957% $5,087.17 8566086 $148,077.25 5.595% 2.6957% $3,991.65 8566224 $119,142.40 5.470% 4.8696% $5,801.72 8567236 $89,547.49 5.720% 0.5217% $467.20 8567358 $359,758.24 5.595% 2.6957% $9,697.83 8675610 $64,301.73 5.595% 2.6957% $1,733.35 8698514 $108,225.63 5.595% 2.6957% $2,917.39 8705061 $226,063.34 5.470% 4.8696% $11,008.30 8705163 $221,209.89 5.345% 7.0435% $15,580.87 8705401 $101,153.63 5.595% 2.6957% $2,726.75 8706623 $451,135.24 5.470% 4.8696% $21,968.32 8733184 $606,292.22 5.595% 2.6957% $16,343.53 8745332 $497,994.02 5.720% 0.5217% $2,598.23 8756050 $87,638.44 5.595% 2.6957% $2,362.43 8756058 $86,816.16 5.595% 2.6957% $2,340.26 8756254 $84,568.59 5.720% 0.5217% $441.23 8756312 $93,606.45 5.595% 2.6957% $2,523.30 8756426 $98,689.30 5.595% 2.6957% $2,660.32 8756432 $83,662.96 5.720% 0.5217% $436.50 8756590 $108,592.91 5.720% 0.5217% $566.57 8756654 $99,598.76 5.720% 0.5217% $519.65 8756674 $103,434.74 5.595% 2.6957% $2,788.24 8756680 $85,533.00 5.595% 2.6957% $2,305.67 8756912 $94,707.97 5.595% 2.6957% $2,553.00 8757240 $91,430.26 5.595% 2.6957% $2,464.64 8757450 $90,626.15 5.595% 2.6957% $2,442.97 8757452 $97,606.82 5.720% 0.5217% $509.25 8757486 $83,505.51 5.595% 2.6957% $2,251.02 8757642 $107,066.47 5.595% 2.6957% $2,886.14 8757968 $99,738.55 5.595% 2.6957% $2,688.60 8758442 $95,614.84 5.720% 0.5217% $498.86 8758626 $90,946.58 5.720% 0.5217% $474.50 8758644 $99,485.19 5.595% 2.6957% $2,681.77 8758950 $88,461.64 5.720% 0.5217% $461.54 8759052 $89,630.23 5.595% 2.6957% $2,416.12 8759066 $98,651.12 5.720% 0.5217% $514.70 8759124 $87,313.38 5.595% 2.6957% $2,353.67 8759136 $104,817.61 5.595% 2.6957% $2,825.52 8759410 $94,621.84 5.720% 0.5217% $493.68 8759524 $97,382.89 5.720% 0.5217% $508.08 8759554 $106,449.14 5.595% 2.6957% $2,869.50 8759560 $95,415.64 5.720% 0.5217% $497.82 8759606 $93,829.03 5.720% 0.5217% $489.54 8759804 $97,806.00 5.720% 0.5217% $510.29 8759890 $92,222.77 5.595% 2.6957% $2,486.01 8760132 $107,168.30 5.720% 0.5217% $559.14 8760168 $101,759.54 5.595% 2.6957% $2,743.08 8760348 $99,485.19 5.595% 2.6957% $2,681.77 8760368 $187,515.60 5.595% 2.6957% $5,054.77 8760472 $106,448.17 5.595% 2.6957% $2,869.47 8760480 $209,734.71 5.595% 2.6957% $5,653.72 8760494 $273,896.52 5.720% 0.5217% $1,429.03 Monday, January 26, 2004 Page 1 of 4 8760522 $84,061.35 5.720% 0.5217% $438.58 8760568 $248,000.97 5.720% 0.5217% $1,293.92 8760610 $268,642.22 5.720% 0.5217% $1,401.61 8760632 $246,483.19 5.595% 2.6957% $6,644.33 8760682 $103,365.13 5.595% 2.6957% $2,786.36 8760760 $248,972.93 5.595% 2.6957% $6,711.44 8760828 $95,499.92 5.595% 2.6957% $2,574.35 8760862 $95,145.91 5.595% 2.6957% $2,564.80 8761164 $101,952.23 5.595% 2.6957% $2,748.28 8761222 $94,120.85 5.720% 0.5217% $491.07 8761262 $89,331.50 5.595% 2.6957% $2,408.07 8822328 $241,467.89 5.720% 0.5217% $1,259.83 8833578 $118,482.26 5.720% 0.5217% $618.17 8833590 $109,669.82 5.720% 0.5217% $572.19 8833784 $107,566.68 5.720% 0.5217% $561.22 8833848 $98,353.90 5.720% 0.5217% $513.15 8833874 $89,937.69 5.720% 0.5217% $469.24 8833880 $87,148.94 5.720% 0.5217% $454.69 8833914 $113,350.53 5.595% 2.6957% $3,055.54 8833938 $84,398.69 5.720% 0.5217% $440.34 8833988 $115,144.98 5.595% 2.6957% $3,103.91 8834026 $87,427.08 5.595% 2.6957% $2,356.73 8834278 $94,111.74 5.595% 2.6957% $2,536.93 8835258 $101,791.50 5.595% 2.6957% $2,743.94 8835898 $111,803.28 5.595% 2.6957% $3,013.83 8836052 $109,636.68 5.720% 0.5217% $572.02 8839274 $199,600.80 5.720% 0.5217% $1,041.40 8852096 $106,487.01 5.720% 0.5217% $555.58 8852118 $116,777.40 5.095% 11.3913% $13,302.47 8852124 $130,888.21 5.720% 0.5217% $682.90 8852312 $120,827.99 5.095% 11.3913% $13,763.88 8852348 $197,844.63 5.595% 2.6957% $5,333.20 8852394 $389,234.92 4.970% 13.5652% $52,800.56 8852624 $119,287.67 5.220% 9.2174% $10,995.21 8852722 $92,186.45 5.720% 0.5217% $480.97 8852800 $251,497.01 5.720% 0.5217% $1,312.16 8852836 $998,004.00 5.720% 0.5217% $5,206.98 8865614 $255,464.16 5.470% 4.8696% $12,439.99 8870610 $90,869.45 5.720% 0.5217% $474.10 8872234 $199,600.78 5.720% 0.5217% $1,041.40 8873226 $355,345.54 4.845% 15.7391% $55,928.30 8873268 $557,473.05 5.095% 11.3913% $63,503.45 8880070 $128,152.83 4.970% 13.5652% $17,384.21 8880118 $130,107.43 5.220% 9.2174% $11,992.51 8880154 $115,884.52 5.720% 0.5217% $604.61 8880230 $204,690.62 5.720% 0.5217% $1,067.95 8880290 $199,800.89 5.720% 0.5217% $1,042.44 8881674 $297,303.74 5.720% 0.5217% $1,551.15 8888852 $299,401.21 5.720% 0.5217% $1,562.09 8889018 $105,494.87 5.720% 0.5217% $550.41 8889030 $179,820.81 5.720% 0.5217% $938.20 8889056 $104,892.95 5.595% 2.6957% $2,827.55 8891634 $88,329.61 5.720% 0.5217% $460.85 8891678 $179,632.06 5.595% 2.6957% $4,842.26 8892568 $109,013.74 5.595% 2.6957% $2,938.63 8897024 $255,738.99 5.595% 2.6957% $6,893.83 8897314 $219,775.70 5.595% 2.6957% $5,924.39 Monday, January 26, 2004 Page 2 of 4 8900770 $496,992.78 5.595% 2.6957% $13,397.20 8901201 $422,000.00 5.720% 0.5217% $2,201.74 8901338 $201,798.91 5.720% 0.5217% $1,052.86 8901504 $539,462.43 5.720% 0.5217% $2,814.59 8901506 $460,541.07 5.720% 0.5217% $2,402.82 8901598 $165,585.00 5.720% 0.5217% $863.92 8903838 $304,689.04 5.595% 2.6957% $8,213.36 8904198 $235,753.60 5.470% 4.8696% $11,480.18 8904654 $409,591.84 5.720% 0.5217% $2,137.00 8907402 $123,876.56 5.720% 0.5217% $646.31 8907828 $112,038.35 5.720% 0.5217% $584.55 8907904 $319,649.92 5.470% 4.8696% $15,565.56 8907970 $308,692.39 5.720% 0.5217% $1,610.57 8908100 $90,307.83 5.595% 2.6957% $2,434.39 8908216 $125,874.57 5.720% 0.5217% $656.74 8908594 $227,767.54 5.595% 2.6957% $6,139.82 8908648 $381,111.04 5.595% 2.6957% $10,273.43 8909870 $71,928.32 5.720% 0.5217% $375.28 8913988 $219,775.70 5.595% 2.6957% $5,924.39 8914070 $111,536.17 5.595% 2.6957% $3,006.63 8914304 $167,828.72 5.595% 2.6957% $4,524.08 8914320 $135,864.61 5.720% 0.5217% $708.86 8919184 $223,771.63 5.595% 2.6957% $6,032.10 8919376 $99,898.04 5.595% 2.6957% $2,692.90 8919386 $464,525.91 5.595% 2.6957% $12,522.00 8924180 $211,778.66 5.470% 4.8696% $10,312.70 8924408 $400,000.00 5.720% 0.5217% $2,086.96 8924508 $470,531.12 5.720% 0.5217% $2,454.95 8924514 $107,026.30 5.595% 2.6957% $2,885.06 8928478 $288,712.30 5.720% 0.5217% $1,506.33 8928480 $288,712.30 5.720% 0.5217% $1,506.33 8928598 $414,526.94 5.595% 2.6957% $11,174.20 8931094 $381,581.88 5.220% 9.2174% $35,171.90 8931636 $638,161.44 5.470% 4.8696% $31,075.69 8931658 $164,629.38 5.095% 11.3913% $18,753.43 8931672 $139,491.90 5.220% 9.2174% $12,857.51 8931680 $119,849.02 4.470% 22.2609% $26,679.43 8931692 $153,645.94 4.970% 13.5652% $20,842.41 8931704 $648,639.47 5.470% 4.8696% $31,585.92 8931734 $279,686.25 5.095% 11.3913% $31,859.91 8931748 $407,003.77 5.095% 11.3913% $46,363.04 8931752 $274,866.59 4.970% 13.5652% $37,286.25 8931758 $246,735.94 5.345% 7.0435% $17,378.79 8931770 $379,564.13 4.970% 13.5652% $51,488.70 8931848 $269,190.87 4.970% 13.5652% $36,516.33 8931878 $116,558.20 5.595% 2.6957% $3,142.00 8931888 $119,760.48 5.720% 0.5217% $624.84 8932060 $337,774.54 5.345% 7.0435% $23,791.08 8932250 $204,580.96 5.595% 2.6957% $5,514.79 8932280 $247,848.04 4.595% 20.0870% $49,785.13 8932316 $321,975.18 5.095% 11.3913% $36,677.17 8932774 $242,953.07 5.095% 11.3913% $27,675.52 8934134 $119,736.70 5.220% 9.2174% $11,036.60 8942298 $177,600.00 5.595% 2.6957% $4,787.48 8942316 $106,000.00 5.720% 0.5217% $553.04 8942376 $321,690.00 5.720% 0.5217% $1,678.38 8942492 $115,000.00 5.470% 4.8696% $5,600.00 Monday, January 26, 2004 Page 3 of 4 8943788 $112,388.01 5.720% 0.5217% $586.37 8944856 $385,212.69 4.970% 13.5652% $52,254.94 8946226 $498,576.00 5.595% 2.6957% $13,439.87 8947084 $270,000.00 5.720% 0.5217% $1,408.70 8947360 $276,000.00 5.720% 0.5217% $1,440.00 8947406 $36,000.00 5.720% 0.5217% $187.83 8953546 $185,327.06 4.720% 17.9130% $33,197.72 8953778 $462,468.92 4.970% 13.5652% $62,734.91 8953784 $293,630.11 4.470% 22.2609% $65,364.62 8953794 $497,441.97 5.095% 11.3913% $56,665.13 8953830 $574,340.46 4.970% 13.5652% $77,910.53 8954472 $267,733.20 5.720% 0.5217% $1,396.87 8955266 $346,846.01 5.595% 2.6957% $9,349.76 8955608 $240,000.00 5.470% 4.8696% $11,686.96 8955940 $164,000.00 5.720% 0.5217% $855.65 8961200 $212,000.00 5.720% 0.5217% $1,106.09 8961280 $380,000.00 5.720% 0.5217% $1,982.61 8961458 $92,002.08 5.345% 7.0435% $6,480.15 8963648 $465,988.33 5.720% 0.5217% $2,431.24 8963652 $364,077.06 5.470% 4.8696% $17,728.97 8963656 $338,249.71 5.595% 2.6957% $9,118.04 8963664 $362,170.00 5.720% 0.5217% $1,889.58 8963672 $453,499.07 5.220% 9.2174% $41,800.78 8963676 $187,245.72 5.720% 0.5217% $976.93 8963682 $324,321.80 5.595% 2.6957% $8,742.59 8963894 $287,713.29 5.720% 0.5217% $1,501.11 8964836 $205,600.00 5.595% 2.6957% $5,542.26 8965092 $380,000.00 5.720% 0.5217% $1,982.61 8968360 $103,200.00 5.720% 0.5217% $538.43 8968400 $296,000.00 5.720% 0.5217% $1,544.35 8968682 $390,000.00 5.720% 0.5217% $2,034.78 8968888 $363,000.00 5.720% 0.5217% $1,893.91 8968906 $289,000.00 5.720% 0.5217% $1,507.83 8971372 $328,000.00 5.470% 4.8696% $15,972.17 8971412 $303,000.00 5.720% 0.5217% $1,580.87 8973664 $623,363.80 5.595% 2.6957% $16,803.72 8974910 $360,000.00 5.720% 0.5217% $1,878.26 8977952 $440,000.00 5.720% 0.5217% $2,295.65 8978048 $260,000.00 5.720% 0.5217% $1,356.52 8982046 $815,500.00 5.720% 0.5217% $4,254.78 8982424 $180,000.00 5.720% 0.5217% $939.13 8984144 $293,798.21 5.595% 2.6957% $7,919.78 8985832 $363,255.95 5.595% 2.6957% $9,792.12 8985862 $580,657.39 5.595% 2.6957% $15,652.50 8985906 $448,980.25 5.470% 4.8696% $21,863.39 8991810 $142,400.00 5.720% 0.5217% $742.96 8996356 $300,000.00 5.720% 0.5217% $1,565.22 8999106 $186,000.00 5.595% 2.6957% $5,013.91 9001404 $189,810.85 5.720% 0.5217% $990.32 9002308 $89,600.00 5.595% 2.6957% $2,415.30 9002492 $382,400.00 5.720% 0.5217% $1,995.13 9002574 $278,000.00 5.595% 2.6957% $7,493.91 9003090 $108,691.69 5.720% 0.5217% $567.09 9003592 $563,923.73 5.595% 2.6957% $15,201.42 9015936 $191,000.00 5.595% 2.6957% $5,148.70 Monday, January 26, 2004 Page 4 of 4
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 and an Accretion Termination 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