EX-10 3 qs2ssfinal.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 FEBRUARY 1, 2004, TO STANDARD TERMS OF POOLING AND SERVICING AGREEMENT dated as of March 1, 2003 Mortgage Asset-Backed Pass-Through Certificates Series 2004-QS2 ================================================================================
Article I DEFINITIONS....................................................................4 Section 1.01. Definitions..........................................................4 Section 1.02. Use of Words and Phrases............................................19 Section 1.03. Determination of LIBOR..............................................19 Article II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES...........................................................21 Section 2.01. Conveyance of Mortgage Loans.......................................21 Section 2.02. Acceptance by Trustee. (See Section 2.02 of the Standard Terms)...............................................................21 Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Company......................................21 Section 2.04. Representations and Warranties of Sellers............................25 Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates Evidencing Interests in REMIC I Certificates............27 Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular Interests; Acceptance by the Trustee.................................27 Section 2.07. Issuance of Certificates Evidencing Interest in REMIC II.............27 Section 2.08. Purposes and Powers of the Trust (See Section 2.08 of the Standard Terms)......................................................27 Article III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS................................28 Section 3.01. Master Servicer to Act as Servicer. (See Section 3.01 of the Standard Terms)...............................................................28 Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement of Subservicers' and Sellers' Obligations................28 Section 3.03. Successor Subservicers. (See Section 3.03 of the Standard Terms).....28 Section 3.04. Liability of the Master Servicer. (See Section 3.04 of the Standard Terms)...............................................................28 Section 3.05. No Contractual Relationship Between Subservicer and Trustee or Certificateholders. (See Section 3.05 of the Standard Terms).........29 Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee. (See Section 3.06 of the Standard Terms).............................29 i Page Section 3.07. Collection of Certain Mortgage Loan Payments; Deposits to Custodial Account................................................... 29 Section 3.08. Subservicing Accounts; Servicing Accounts. (See Section 3.08 of the Standard Terms)..................................................31 Section 3.09. Access to Certain Documentation and Information Regarding the Mortgage Loans. (See Section 3.09 of the Standard Terms)......................31 Section 3.10. Permitted Withdrawals from the Custodial Account. (See Section 3.10 of the Standard Terms)..........................................31 Section 3.11. Maintenance of the Primary Insurance Policies; Collections Thereunder. (See Section 3.11 of the Standard Terms).................31 Section 3.12. Maintenance of Fire Insurance and Omissions and Fidelity Coverage. (See Section 3.12 of the Standard Terms)...................31 Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and Modification Agreements; Certain Assignments. (See Section 3.13 of the Standard Terms)...............................................................32 Section 3.14. Realization Upon Defaulted Mortgage Loans. (See Section 3.14 of the Standard Terms)..................................................... 32 Section 3.15. Trustee to Cooperate; Release of Mortgage Files. (See Section 3.15 of the Standard Terms)..............................................32 Section 3.16. Servicing and Other Compensation; Compensating Interest. (See Section 3.16 of the Standard Terms).............................32 Section 3.17. Reports to the Trustee and the Company. (See Section 3.17 of the Standard Terms)......................................................32 Section 3.18. Annual Statement as to Compliance. (See Section 3.18 of the Standard Terms)...............................................................32 Section 3.19. Annual Independent Public Accountants' Servicing Report. (See Section 3.19 of the Standard Terms).............................32 Section 3.20. Rights of the Company in Respect of the Master Servicer. (See Section 3.20 of the Standard Terms).............................32 Section 3.21. Administration of Buydown Funds (See Section 3.21 of the Standard Terms) 32 Article IV PAYMENTS TO CERTIFICATEHOLDERS.................................................33 Section 4.01. Certificate Account. (See Section 4.01 of the Standard Terms) .....33 Section 4.02. Distributions. ......................................................33 Section 4.03. Statements to Certificateholders; Exchange Act Reporting (See Section 4.04 of the Standard Terms)..................................41 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)......................................................41 Section 4.05. Allocation of Realized Losses. ......................................41 Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property. (See Section 4.06 of the Standard Terms).............................43 Section 4.07. Optional Purchase of Defaulted Mortgage Loans. (See Section 4.07 of the Standard Terms)..........................................43 Section 4.08. Surety Bond. (See Section 4.08 of the Standard Terms)................43 Article V THE CERTIFICATES................................................................44 Section 5.01. The Certificates ...................................................44 Section 5.02. Registration of Transfer and Exchange of Certificates (See Section 5.02 of the Standard Terms)..................................45 Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates (See Section 5.03 of the Standard Terms)..........................................45 Section 5.04. Persons Deemed Owners (See Section 5.04 of the Standard Terms).......45 Section 5.05. Appointment of Paying Agent (See Section 5.05 of the Standard Terms)...............................................................45 Section 5.06. U.S. Patriot Act Compliance..........................................45 Article VI THE COMPANY AND THE MASTER SERVICER..........................................46 Article VII DEFAULT......................................................................47 Article VIII CONCERNING THE TRUSTEE.......................................................48 Article IX TERMINATION..................................................................49 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. ..............................................49 Section 9.02. Additional Termination Requirements. (See Section 9.02 of the Standard Terms)......................................................50 Section 9.03. Termination of Multiple REMICs. (See Section 9.03 of the Standard Terms)......................................................50 Article X REMIC PROVISIONS............................................................51 Section 10.01.REMIC Administration. (See Section 10.01 of the Standard Terms).....51 Section 10.02.Master Servicer; REMIC Administrator and Trustee Indemnification. (See Section 10.02 of the Standard Terms)..........51 iii Section 10.03.Designation of REMICs................................................51 Section 10.04.Distributions on the Uncertificated REMIC I and REMIC II Regular Interests....................................................51 Section 10.05.Compliance with Withholding Requirements.............................53 Article XI MISCELLANEOUS PROVISIONS......................................................54 Section 11.01.Amendment. (See Section 11.01 of the Standard Terms)................54 Section 11.02.Recordation of Agreement; Counterparts. (See Section 11.02 of the Standard Terms)..................................................54 Section 11.03.Limitation on Rights of Certificateholders. (See Section 11.03 of the Standard Terms)...............................................54 Section 11.04.Governing Laws. (See Section 11.04 of the Standard Terms)...........54 Section 11.05.Notices..............................................................54 Section 11.06.Required Notices to Rating Agency and Subservicer. (See Section 11.06 of the Standard Terms).................................55 Section 11.07.Severability of Provisions. (See Section 11.07 of the Standard Terms)...............................................................55 Section 11.08.Supplemental Provisions for Resecuritization. (See Section 11.08 of the Standard Terms).........................................55 Section 11.09.Allocation of Voting Rights..........................................55 Section 11.10.No Petition..........................................................55 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
This is a Series Supplement, dated as of February 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 S&P/ Pass-Through Certificate Maturity ----------- Minimum Designation Rate Principal Balance Features(1) Date Moody's Denominations(2) Class A-I-1 5.50% $48,538,800.00 Senior/Fixed Rate February 25, 2034 AAA/Aaa $25,000.00 Class A-I-2 Adjustable $5,393,200.00 Senior/Floater/Adjustable February 25, 2034 AAA/Aaa $25,000.00 Rate3 Rate Class A-I-3 Adjustable $0.004 Senior/Interest AAA/Aaa Rate3 Only/Inverse Floater/Adjustable Rate February 25, 2034 $2,000,000.00 Class A-I-4 Adjustable $3,026,315.79 Senior/Floater/Adjustable AAA/Aaa Rate3 Rate February 25, 2034 $25,000.00 Class A-I-5 Adjustable $1,973,684.21 Senior/Inverse AAA/Aaa Rate3 Floater/Adjustable Rate February 25, 2034 $25,000.00 $216,837,000.00 Senior/Fixed Rate Class CB 5.75% February 25, 2034 AAA/Aaa $25,000.00 Class A-P 0.00% $1,221,149.25 Senior/Principal Only AAA/Aaa $25,000.00 February 25, 2034 Class A-V Variable $0.00 Senior/Interest AAA/Aaa 6 Rate5 Only/Variable Rate February 25, 2034 Class R-I 5.75% $100.00 Senior/Residual February 25, 2034 AAA/Aaa 7 Class R-II 5.75% $100.00 Senior/Residual February 25, 2034 AAA/Aaa 7 Class M-1 5.75% $6,870,000.00 Mezzanine/Fixed Rate February 25, 2034 AA/NA $25,000.00 Class M-2 5.75% $3,215,800.00 Mezzanine/Fixed Rate February 25, 2034 A/NA $250,000.00 Class M-3 5.75% $2,046,400.00 Mezzanine/Fixed Rate February 25, 2034 BBB/NA $250,000.00 Class B-1 5.75% $1,023,200.00 Subordinate/Fixed Rate February 25, 2034 BB/NA $250,000.00 Class B-2 5.75% $1,169,400.00 Subordinate/Fixed Rate February 25, 2034 B/NA $250,000.00 Class B-3 5.75% $1,024,040.12 Subordinate/Fixed Rate February 25, 2034 NA/NA $250,000.00
-------- 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-I-2 1.54% LIBOR + 0.45% 8.00% 0.45% ------------------ ------------- ------------------ ----------- -------- ------------------ ------------- ------------------ ----------- -------- Class A-I-3 6.46% 7.55% - LIBOR 7.55% 0.00% ------------------ ------------- ------------------ ----------- -------- ------------------ ------------- ------------------ ----------- -------- Class A-I-4 1.69% LIBOR + 0.60% 9.50% 0.60% ------------------ ------------- ------------------ ----------- -------- ------------------ ------------- ------------------ ----------- -------- Class A-I-5 11.97533% 13.64666667% - 1.53333333 x 13.64666667% 0.00% LIBOR 4 The Class A-I-3 Certificates do not have a principal balance. For the purpose of calculating interest payments, interest on the Class A-I-3 Certificates will accrue on a notional amount equal to the Certificate Principal Balance of the Class A-I-2 Certificates immediately prior to the related distribution date. 5 The initial Pass-Through Rate on the Class A-V Certificates is 0.3838%. 6 The Class A-V Certificates shall be issuable in minimum denominations of not less than a 20% Percentage Interest. 7 Each 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 7 Each 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%. Mortgage Loans have an aggregate principal balance as of the Cut-off Date of $292,339,189.37. In consideration of the mutual agreements herein contained, the Company, the Master Servicer and the Trustee agree as follows: 3 ARTICLE I DEFINITIONS Section 1.01. Definitions. Whenever used in this Agreement, the following words and phrases, unless the context otherwise requires, shall have the meanings specified in this Article. Adjustable Rate Certificates: Any of the Class A-I-2, Class A-I-3, Class A-I-4 and Class A-I-5 Certificates. Available Distribution Amount: The sum of (i) the amount described in the definition of Available Distribution Amount in the Standard Terms and (ii) the amount allocated to the Available Distribution Amount 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 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, 4 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. Capitalization Reimbursement Amount: As to any Distribution Date and Loan Group, the amount of Advances or Servicing Advances that were added to the Stated Principal Balance of the Mortgage Loans in such Loan Group 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 and Loan Group, 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 in such Loan Group during the preceding calendar month exceeds the amount of principal payments on the Mortgage Loans included in the Available Distribution Amount for that Loan Group and Distribution Date. Certificate: Any Class A-I, Class CB, Class A-P, Class A-V, Class M, Class B or Class R Certificate. Certificate Group: With respect to (i) Loan Group A-I, the Class A-I Certificates and (ii) Loan Group CB, the Class CB Certificates and the Residual Certificates . 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-QS2" and which must be an Eligible Account. Certificate Policy: None. Class A-I 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 Class A-I 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) in Loan Group A-I immediately prior to such Distribution Date. 5 Class A-I Certificate: Any one of the Class A-I-1, Class A-I-2, Class A-I-3, Class A-I-4 and Class A-I-5 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 Collection Shortfall: With respect to the Cash Liquidation or REO Disposition of a Discount Mortgage Loan, any Distribution Date and any Loan Group, the excess of the amount described in clause (C)(1) of the definition of Class A-P Principal Distribution Amount for such Loan Group over the amount described in clause (C)(2) of such definition. Class A-P Principal Distribution Amount: With respect to any Distribution Date and Loan Group, 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 in the related Loan Group 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 in the related Loan Group received during the preceding calendar month or, in the case of Principal Prepayments in Full, during the related Prepayment Period (other than amounts received in connection with a Cash Liquidation or REO Disposition of a Discount Mortgage Loan described in clause (C) below), including Principal Prepayments in Full, Curtailments, Subsequent Recoveries and repurchases (including deemed repurchases under Section 3.07(b)) of Discount Mortgage Loan in the related Loan Group (or, in the case of a substitution of a Deleted Mortgage Loan in the related Loan Group, 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 in the related Loan Group 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 Loan Group and the amount of any Class A-P Collection Shortfalls for such Loan Group remaining unpaid for all previous Distribution Dates, but only to the extent of the Eligible Funds for such Distribution Date; minus 6 (F) the related Discount Fraction of the portion of the Capitalization Reimbursement Amount for the related Loan Group for such Distribution Date, if any, related to each Discount Mortgage Loan in the related Loan Group. Notwithstanding the foregoing, with respect to any Distribution Date on and after the Credit Support Depletion Date, the Class A-P Principal Distribution Amount for a Loan Group 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 in the related Loan Group 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 CB Certificates: The Class CB Certificates. Class CB 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 Class CB Certificates and Class R 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) in Loan Group CB immediately prior to such Distribution Date. Class R Certificate: Any one of the Class R-I Certificates and Class R-II Certificates. Class R-I Certificate: Any one of the Class R-I Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit D and evidencing an interest designated as a "residual interest" in REMIC I for purposes of the REMIC Provisions. Class R-II Certificate: Any one of the Class R-II Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit D and evidencing an interest designated as a "residual interest" in REMIC II for purposes of the REMIC Provisions. Closing Date: February 26, 2004. 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-QS2. Credit Repository: Equifax, Transunion and Experian, or their successors in interest. 7 Cut-off Date: February 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: With respect to any Distribution Date and Loan Group, such Loan Group's portion of an amount that is allocated among the Loan Groups pro rata, based on the aggregate unpaid Class A-P Shortfalls for each Loan Group, which amount is equal to the excess of the sum of the Available Distribution Amounts for all Loan Groups over the sum of (i) the aggregate amount of Accrued Certificate Interest on the Senior Certificates, (ii) the sum of the Senior Principal Distribution Amounts (determined without regard to Section 4.02(a)(ii)(Y)(D) hereof) for all Loan Groups, (iii) the sum of the Class A-P Principal Distribution Amounts (determined without regard to clause (E) of the definition of Class A-P Principal Distribution Amount) for all Loan Groups and (iv) the aggregate amount of Accrued Certificate Interest on the Class M, Class B-1 and Class B-2 Certificates. Floater Certificates: Any of the Class A-I-2 or Class A-I-4 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 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. 8 Fraud Losses: Realized Losses on Mortgage Loans as to which there was fraud in the origination of such Mortgage Loan. Group A-I Loans: The Mortgage Loans designated on the Mortgage Loan Schedule as Group A-I Loans. Group CB Loans: The Mortgage Loans designated on the Mortgage Loan Schedule as Group CB Loans. Initial Monthly Payment Fund: $12,636, representing scheduled principal amortization and interest at the Net Mortgage Rate payable during the February 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-I-3 Certificates, $5,393,200. With respect to the Class A-V Certificates or Subclass thereof issued pursuant to Section 5.01(c), the aggregate Cut-off Date Principal Balance of the Mortgage Loans corresponding to the Uncertificated REMIC I Regular Interests Z represented by such Class or Subclass on such date. Initial Subordinate Class Percentage: With respect to each Class of Subordinate Certificates, an amount which is equal to the initial aggregate Certificate Principal Balance of such Class of Subordinate Certificates divided by the aggregate Stated Principal Balance of all the Mortgage Loans as of the Cut-off Date as follows: Class M-1: 2.35% Class B-1: 0.35% 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. With respect to the Adjustable Rate Certificates and any Distribution Date, 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-I-3 or Class A-V Certificates. The Interest Only Certificates will have no Certificate Principal Balance. Inverse Floater Certificates: Any one of the Class A-I-3 or Class A-I-5 Certificates. Loan Group: Any of the Loan Group A-I or the Loan Group CB. Loan Group A-I: The group of Mortgage Loans comprised of the Group A-I Loans. Loan Group CB: The group of Mortgage Loans comprised of the Group CB Loans. 9 Maturity Date: February 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 #"); (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-I-3 Certificates, the Certificate Principal Balance of the Class A-I-2 Certificates immediately prior to such date, and (ii) with respect to any Class A-V Certificates or Subclass thereof issued pursuant to Section 5.01(c), the aggregate Stated Principal Balance of the Mortgage Loans corresponding to the Uncertificated Class 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. 10 o With respect to the Class A-I-2 Certificates and the initial Interest Accrual Period, 1.54% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 0.45% plus LIBOR, with a maximum rate of 8.00% per annum and a minimum rate of 0.45% per annum. o With respect to the Class A-I-3 Certificates and the initial Interest Accrual Period, 6.46% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 7.55% minus LIBOR, with a maximum rate of 7.55% per annum and a minimum rate of 0.00% per annum. o With respect to the Class A-I-4 Certificates and the initial Interest Accrual Period, 1.69% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 0.60% plus LIBOR, with a maximum rate of 9.50% per annum and a minimum rate of 0.60% per annum. o With respect to the Class A-I-5 Certificates and the initial Interest Accrual Period, 11.97533% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 13.64666667% minus the product of 1.53333333 and LIBOR, with a maximum rate of 13.64666667% 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 0.3838% 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 0.909090909% 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. 11 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 March 2009 (unless the Certificate Principal Balances of the Senior Certificates (other than the Class A-P Certificates), have been reduced to zero), 0%. (ii) For any Distribution Date not discussed in clause (i) above on which any Class of Subordinate Certificates are outstanding: (a) in the case of the Class of Subordinate Certificates then outstanding with the Highest Priority and each other Class of Subordinate Certificates for which the related Prepayment Distribution Trigger has been satisfied, a fraction, expressed as a percentage, the numerator of which is the Certificate Principal Balance of such Class immediately prior to such date and the denominator of which is the sum of the Certificate Principal Balances immediately prior to such date of (1) the Class of Subordinate Certificates then outstanding with the Highest Priority and (2) all other Classes of Subordinate Certificates for which the respective Prepayment Distribution Triggers have been satisfied; and (b) in the case of each other Class of Subordinate Certificates for which the Prepayment Distribution Triggers have not been satisfied, 0%; and (iii)Notwithstanding the foregoing, if the application of the foregoing percentages on any Distribution Date as provided in Section 4.02 of this Series Supplement (determined without regard to the proviso to the definition of "Subordinate Principal Distribution Amount") would result in a distribution in respect of principal of any Class or Classes of Subordinate Certificates in an amount greater than the remaining Certificate Principal Balance thereof (any such class, a "Maturing Class"), then: (a) the Prepayment Distribution Percentage of each Maturing Class shall be reduced to a level that, when applied as described above, would exactly reduce the Certificate Principal Balance of such Class to zero; (b) the Prepayment Distribution Percentage of each other Class of Subordinate Certificates (any such Class, a "Non-Maturing Class") shall be recalculated in accordance with the provisions in paragraph (ii) above, as if the Certificate Principal Balance of each Maturing Class had been reduced to zero (such percentage as recalculated, the "Recalculated Percentage"); (c) the total amount of the reductions in the Prepayment Distribution Percentages of the Maturing Class or Classes pursuant to clause (a) of this sentence, expressed as an aggregate percentage, shall be allocated among the Non-Maturing Classes in proportion to their respective Recalculated 12 Percentages (the portion of such aggregate reduction so allocated to any Non-Maturing Class, the "Adjustment Percentage"); and (d) for purposes of such Distribution Date, the Prepayment Distribution Percentage of each Non-Maturing Class shall be equal to the sum of (1) the Prepayment Distribution Percentage thereof, calculated in accordance with the provisions in paragraph (ii) above as if the Certificate Principal Balance of each Maturing Class had not been reduced to zero, plus (2) the related Adjustment Percentage. Principal Only Certificates: Any one of the Class A-P Certificates. Record Date: With respect to each Distribution Date and each Class of Certificates (other than the Adjustable Rate Certificates that are Book-Entry Certificates), the close of business on the last Business Day of the month preceding the month in which the related Distribution Date occurs. With respect to each Distribution Date and the Adjustable Rate Certificates (so long as they are Book-Entry Certificates), the close of business on the Business Day prior to such Distribution Date. Related Classes: As to any Uncertificated REMIC I Regular Interest, those classes of Certificates identified as "Related Classes of Certificates" to such Uncertificated REMIC I Regular Interest in the definition of Uncertificated REMIC I Regular Interest. REMIC I: The segregated pool of assets, with respect to which a REMIC election is to be made, consisting of: (i) the Mortgage Loans and the related Mortgage Files, (ii) all payments and collections in respect of the Mortgage Loans due after the Cut-off Date (other than Monthly Payments due in the month of the Cut-off Date) as shall be on deposit in the Custodial Account or in the Certificate Account and identified as belonging to the Trust Fund, including the proceeds from the liquidation of Additional Collateral for any Additional Collateral Loan, but not including amounts on deposit in the Initial Monthly Payment Fund, (iii) property which secured a Mortgage Loan and which has been acquired for the benefit of the Certificateholders by foreclosure or deed in lieu of foreclosure, (iv) the hazard insurance policies and Primary Insurance Policies, if any, the Pledged Assets with respect to each Pledged Asset Mortgage Loan, and the interest in the Surety Bond transferred to the Trustee pursuant to Section 2.01 herein, and (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. 13 REMIC II Certificates: Any Class of Certificates (other than the Class R-I Certificates). Senior Certificate: Any one of the Class A-I, Class CB, Class A-P, Class A-V 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 Accelerated Distribution Percentage: With respect to any Distribution Date occurring on or prior to the 60th Distribution Date and, with 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 14 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 (ii) that 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 excluding the Discount Fraction of the Discount Mortgages in such 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 Percentage: The Class A-I Percentage or Class CB Percentage, as applicable. Senior Principal Distribution Amount: With respect to any Distribution Date and Loan Group, the lesser of (a) the balance of the related Available Distribution Amount remaining after the distribution of all amounts required to be distributed therefrom pursuant to Section 4.02(a)(i), Section 4.02(a)(ii)(X) (excluding any amount distributable pursuant to clause (E) of the definition of "Class A-P Principal Distribution Amount") and (b) the sum of the amounts required to be distributed to the Senior Certificateholders of the related Certificate Group on such Distribution Date pursuant to Sections 4.02(a)(ii)(Y), 4.02(a)(xvi) and 4.02(a)(xvii). Special Hazard Amount: As of any Distribution Date, an amount equal to $2,923,392 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. 15 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 Percentage; With respect to any Loan Group, as of any date of determination a percentage equal to 100% minus the related Senior Percentage as of that date. Subordinate Principal Distribution Amount: With respect to any Distribution Date and Loan Group and each Class of Subordinate Certificates, (a) the sum of the following: (i) such Class's pro rata share, based on the Certificate Principal Balance of each Class of Subordinate Certificates then outstanding, of the aggregate of the amounts calculated (without giving effect to the related Senior Percentages) for such Distribution Date for the related Loan Group under clauses (1), (2) and (3) of Section 4.02(a)(ii)(Y)(A) to the extent not payable to the Senior Certificates; (ii) such Class's pro rata share, based on the Certificate Principal Balance of each Class of Subordinate Certificates then outstanding, of the principal collections described in Section 4.02(a)(ii)(Y)(B)(b) for the related Loan Group (without giving effect to the related Senior Accelerated Distribution Percentages) 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 for the related Loan Group (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 the related Loan Group 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 Loan Group and Distribution Date, other than the related Discount Fraction of any portion of that amount related to each Discount Mortgage Loan in the related Loan Group, 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 16 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 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). 17
----------------------- --------------------------------- ------------------ -------------------- Uncertificated REMIC Related Classes of Certificates Pass-Through Rate Initial Principal I Regular Interest Balance ----------------------- --------------------------------- ------------------ -------------------- ----------------------- --------------------------------- ------------------ -------------------- T Class CB 5.75% $216,837,000.00 ----------------------- --------------------------------- ------------------ -------------------- ----------------------- --------------------------------- ------------------ -------------------- U Class A-I-1 5.50% $ 48,538,800.00 ----------------------- --------------------------------- ------------------ -------------------- ----------------------- --------------------------------- ------------------ -------------------- V Class A-I-2, Class A-I-3 8.00% $ 5,393,200.00 ----------------------- --------------------------------- ------------------ -------------------- ----------------------- --------------------------------- ------------------ -------------------- W Class A-I-5, Class A-I-4 5.75% $ 5,000,000 ----------------------- --------------------------------- ------------------ -------------------- ----------------------- --------------------------------- ------------------ -------------------- X Class A-P 0.00% $ 1,221,149.25 ----------------------- --------------------------------- ------------------ -------------------- ----------------------- --------------------------------- ------------------ -------------------- Y Class R-II, Class M-1, Class 5.75% $ 15,348,940.12 M-2, Class M-3, Class B-1, Class B-2, Class B-3 ----------------------- --------------------------------- ------------------ --------------------
Uncertificated REMIC I Regular Interests Z: Each of the 1,829 uncertificated partial undivided beneficial ownership interests in the Trust Fund, numbered sequentially from 1 to 1,829, each relating to the particular Mortgage Loan identified by such sequential number on the Mortgage Loan Schedule, each having no principal balance, and each bearing interest at the respective Pool Strip Rate on the Stated Principal Balance of the related Mortgage Loan. Uncertificated REMIC I Regular Interests Z Distribution Amount: With respect to any Distribution Date, the sum of the amounts deemed to be distributed on the Uncertificated REMIC I Regular Interests Z for such Distribution Date pursuant to Section 10.04(a). Uncertificated REMIC I Regular Interest Distribution Amounts: With respect to each Uncertificated REMIC I Regular Interest, other than the Uncertificated REMIC I Regular Interests Z, the amount specified as the Uncertificated REMIC I Regular Interest Distribution Amount with respect thereto in the definition of Uncertificated REMIC I Regular Interests. With respect to the Uncertificated REMIC I Regular Interests Z, the Uncertificated REMIC I Regular Interests Z Distribution Amount. Uncertificated REMIC II Regular Interests Z: Each of the 1,829 uncertificated partial undivided beneficial ownership interests in REMIC II numbered sequentially from 1 through 1,829 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). Undercollateralized Amount: With respect any Certificate Group and Distribution Date, the excess of (i) the aggregate Certificate Principal Balance of such Certificate Group over (ii) the aggregate Stated Principal Balance of the Mortgage Loans in the related Loan Group, in each case calculated on such Distribution Date after giving effect to distributions to be made thereon (other than amounts to be distributed pursuant to Section 4.02(i) on such Distribution Date). 18 Undercollateralized Certificate Group: With respect any Distribution Date, a Certificate Group for which the related Undercollateralized Amount exceeds zero. Underwriter: Citigroup Global Markets Inc. and J. P. Morgan Securities 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 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 19 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, 1.09% 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. 20 ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES Section 2.01. Conveyance of Mortgage Loans. (a) (See Section 2.01(a) of the Standard Terms) (b) (See Section 2.01(b) of the Standard Terms) (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 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. The parties hereto agree that it is not intended that any Mortgage Loan be included in the Trust Fund that is either (i) a "High-Cost Home Loan" as defined in the New Jersey Home Ownership Act effective November 27, 2003 or (ii) a "High-Cost Home Loan" as defined in the New Mexico Home Loan Protection Act effective January 1, 2004. (d) (See Section 2.01(d) of the Standard Terms) (e) (See Section 2.01(e) of the Standard Terms) (f) (See Section 2.01(f) of the Standard Terms) (g) (See Section 2.01(g) of the Standard Terms) (h) (See Section 2.01(h) 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. 21 (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 in the case of seven Mortgage Loans representing approximately 0.4% of the aggregate principal balance of the Mortgage Loans in Loan Group CB, 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 of the Mortgage Loan at origination 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; (vi) No more than 1.8% of the Group A-I Loans by aggregate Stated Principal Balance as of the Cut-off Date are secured by Mortgaged Properties located in any one zip code area in California, and no more than 1.3% of the Group A-I Loans by aggregate Stated Principal Balance as of the Cut-off Date are secured by Mortgaged Properties located in any one zip code area outside California; no more than 0.6% of the Group CB 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 0.4% of the Group CB 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 22 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 63.54% of the Group A-I Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a reduced loan documentation program, approximately 14.39% of the Group A-I Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a no-stated income program, and approximately 0.60% of the Group A-I Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a no income/no asset program; and approximately 52.21% of the Group CB Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a reduced loan documentation program, approximately 17.61% of the Group CB Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a no-stated income program, and approximately 4.08 the Group CB 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 1.82 of the Group I Loans by aggregate Stated Principal Balance as of the Cut-off Date, and approximately 37.90% of the Group CB 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); 23 (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 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 24 to the Certificateholders or the Trustee on behalf of the Certificateholders. Notwithstanding the foregoing, the Company shall not be required to cure breaches or purchase or substitute for Mortgage Loans as provided in this Section 2.03(b) if the substance of the breach of a representation set forth above also constitutes fraud in the origination of the Mortgage Loan. Section 2.04. Representations and Warranties of Sellers. The Company, as assignee of Residential Funding under the Assignment Agreement, hereby assigns to the Trustee for the benefit of Certificateholders all of its right, title and interest in respect of the Assignment Agreement and each Seller's Agreement applicable to a Mortgage Loan. Insofar as the Assignment Agreement or the Company's rights under such Seller's Agreement relate to the representations and warranties made by Residential Funding or the related Seller in respect of such Mortgage Loan and any remedies provided thereunder for any breach of such representations and warranties, such right, title and interest may be enforced by the Master Servicer on behalf of the Trustee and the Certificateholders. Upon the discovery by the Company, the Master Servicer, the Trustee or any Custodian of a breach of any of the representations and warranties made in a Seller's Agreement that have been assigned to the Trustee pursuant to this Section 2.04 or of a breach of any of the representations and warranties made in the Assignment Agreement (which, for purposes hereof, will be deemed to include any other cause giving rise to a repurchase obligation under the Assignment Agreement) in respect of any Mortgage Loan which materially and adversely affects the interests of the Certificateholders in such Mortgage Loan, the party discovering such breach shall give prompt written notice to the other parties (any Custodian being so obligated under a Custodial Agreement). The Master Servicer shall promptly notify the related Seller or Residential Funding, as the case may be, of such breach and request that such Seller or Residential Funding, as the case may be, either (i) cure such breach in all material respects within 90 days from the date the Master Servicer was notified of such breach or (ii) purchase such Mortgage Loan from the Trust Fund at the Purchase Price and in the manner set forth in Section 2.02; provided that in the case of a breach under the Assignment Agreement Residential Funding shall have the option to substitute a Qualified Substitute Mortgage Loan or Loans for such Mortgage Loan if such substitution occurs within two years following the Closing Date; provided that if the breach would cause the Mortgage Loan to be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code, any such cure, repurchase or substitution must occur within 90 days from the date the breach was discovered. If the breach of representation and warranty that gave rise to the obligation to repurchase or substitute a Mortgage Loan pursuant to Section 4 of the Assignment Agreement was the representation and warranty set forth in clause (k) of Section 4 thereof, then the Master Servicer shall request that Residential Funding pay to the Trust Fund, concurrently with and in addition to the remedies provided in the preceding sentence, an amount equal to any liability, penalty or expense that was actually incurred and paid out of or on behalf of the Trust Fund, and that directly resulted from such breach, or if incurred and paid by the Trust Fund thereafter, concurrently with such payment. In the event that Residential Funding elects to substitute a Qualified Substitute Mortgage Loan or Loans for a Deleted Mortgage Loan pursuant to this Section 2.04, Residential Funding shall deliver to the Trustee or the Custodian for the benefit of the Certificateholders with respect to such Qualified Substitute Mortgage Loan or Loans, the original Mortgage Note, the Mortgage, an Assignment of the Mortgage in recordable form, if required pursuant to Section 2.01, and such other documents and agreements as are required by Section 2.01, with the Mortgage Note endorsed as required by Section 2.01. No substitution will be made in any calendar month after the Determination Date for such month. Monthly Payments due with respect to Qualified Substitute Mortgage Loans in the month of substitution shall not be part of the Trust Fund and will be retained by the Master Servicer and remitted by the Master Servicer to Residential Funding on the next succeeding Distribution Date. For the month of substitution, distributions to the Certificateholders will include the Monthly Payment due on a Deleted Mortgage Loan for such month and thereafter Residential Funding shall 25 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 26 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 interests 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). 27 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. (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 the Standard Terms as Exhibit E. With the approval of the Master Servicer, a Subservicer 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. The Program Guide and any other Subservicing Agreement entered into between the Master Servicer and any Subservicer shall require the Subservicer to accurately and fully report its borrower credit files to each of the Credit Repositories in a timely manner. (b) (See Section 3.02(b) 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) 28 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. Notwithstanding anything in this Section to the contrary, the Master Servicer shall not enforce any prepayment charge to the extent that such enforcement would violate any applicable law. 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 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 29 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; (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; 30 (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) 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) 31 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) 32 ARTICLE IV PAYMENTS TO CERTIFICATEHOLDERS Section 4.01. Certificate Account. (See Section 4.01 of the Standard Terms) (a) (See Section 4.01(a) of the Standard Terms) (b) (See Section 4.01(b) 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), (e) and (i) below), in each case to the extent of the related or specified Available Distribution Amount remaining in the case of clauses (i) through (iii), and to the extent of the remaining Available Distribution Amounts from both Loan Groups, in the case of clauses (iv) through (xvii): (i) (W) from the Available Distribution Amount related to the Loan Group A-I, to the Class A-I Certificateholders Accrued Certificate Interest on such Class of 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); (X) from the Available Distribution Amount related to the Loan Group CB, to the Class CB Certificateholders Accrued Certificate Interest on such Class of 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 (Y) from the Available Distribution Amount derived from the related Loan Group, on a parity with the distributions in Sections 4.02(a)(i)(W) and 4.02(a)(i)(X), as applicable, to the Class A-V Certificates (or Subclasses, if any) in proportion to the respective amounts of Accrued Certificate Interest thereon derived from each Loan Group, Accrued Certificate Interest on the Class A-V Certificates (or 33 Subclasses, if any) with respect to such Distribution Date and derived from the related Loan Group, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date with respect to such Loan Group except as provided in the last paragraph of this Section 4.02(a); (ii) (X) to the Class A-P Certificates, from the Available Distribution Amount for the respective Loan Groups, the sum of Class A-P Principal Distribution Amounts for all Loan Groups (applied to reduce the Certificate Principal Balances of the Class A-P Certificates); and (Y) to the Senior Certificates (other than the Class A-P Certificates and the Class A-V Certificates) of each Certificate Group, from the Available Distribution Amount for the related Loan Group, in the priorities and amounts set forth in Section 4.02(b) and (c), the sum of the following (applied to reduce the Certificate Principal Balances of such Senior Certificates, as applicable): (A) the related Senior Percentage for such Distribution Date and Loan Group 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 in the related Loan Group (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 in the related Loan Group 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 in such Loan Group 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 with respect to the related Loan Group (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 34 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 in the related Loan Group 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 related 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 related Senior Accelerated Distribution Percentage for such Distribution Date times the related unscheduled collections (including without limitation Insurance Proceeds, Liquidation Proceeds and REO Proceeds) to the extent applied by the Master Servicer as recoveries of principal of the related Mortgage Loan pursuant to Section 3.14 of the Standard Terms (in each case other than the portion of such unscheduled collections, with respect to a Discount Mortgage Loan, included in clause (C) of the definition of Class A-P Principal Distribution Amount); (C) the related Senior Accelerated Distribution Percentage for such Distribution Date times the aggregate of all Principal Prepayments in Full with respect to the related Loan Group received in the related Prepayment Period and Curtailments with respect to the related Loan Group 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 portion of the Excess Subordinate Principal Amount for such Distribution Date allocated to the related Loan Group; (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; and (F) amounts required to be distributed to the Holders of Class A-I or the Class CB Certificates, as applicable, pursuant to Section 4.02(h); minus (G) the related 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 in the related Loan Group, multiplied by a fraction, the numerator of which is the Senior Principal Distribution Amount, without giving effect to this clause (G), 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, payable from the Available Distribution Amount for the related Loan Group without giving effect to any reductions for the Capitalization Reimbursement Amount; 35 (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 each Loan Group for such Distribution Date, minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Sections 4.02(a)(vii), (ix), (xi), (xiii), (xiv) and (xv) of this Series Supplement are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class M-1 Certificates; (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 each Loan Group 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 each Loan Group 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; 36 (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 each Loan Group 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 each Loan Group 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; (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 each Loan Group 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 Amounts for each Loan Group remaining after the foregoing distributions, applied to reduce the Certificate Principal Balances of such Senior Certificates, but in no event more than the 37 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 Amounts for each Loan Group 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 remaining Available Distribution Amounts from both Loan Groups. Notwithstanding the foregoing, on any Distribution Date, with respect to the Class of Subordinate Certificates outstanding on such Distribution Date with the Lowest Priority, or in the event the Subordinate Certificates are no longer outstanding, the Senior Certificates, Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date will be distributable only to the extent that (1) a shortfall in the amounts available to pay Accrued Certificate Interest on any Class of Certificates results from an interest rate reduction in connection with a Servicing Modification, or (2) such unpaid Accrued Certificate Interest was attributable to interest shortfalls relating to the failure of the Master Servicer to make any required Advance, or the determination by the Master Servicer that any proposed Advance would be a Nonrecoverable Advance with respect to the related Mortgage Loan where such Mortgage Loan has not yet been the subject of a Cash Liquidation or REO Disposition or the related Liquidation Proceeds, Insurance Proceeds and REO Proceeds have not yet been distributed to the Certificateholders. (b) (I) Distributions of principal from the Available Distribution Amount for Loan Group A-I on each Distribution Date will be made as follows: (i) first, the Class A-P Principal Distribution Amount for Loan Group A-I shall be distributed to the Class A-P Certificates, until the Certificate Principal Balance thereof has been reduced to zero; and (ii) second, an amount equal to the Senior Principal Distribution Amount for Loan Group A-I shall be distributed as follows (A) first, concurrently to the Class A-I-1 Certificates and Class A-I-2 Certificates, on a pro rata basis in accordance with their respective Certificate Principal Balances, until the Certificate Principal Balances of the Class A-I-1 Certificates and Class A-I-2 Certificates have been reduced to zero; and (B) second, any remaining amount concurrently to the Class A-I-4 Certificates and Class A-I-5 Certificates, on a pro rata basis in accordance with their respective Certificate Principal Balances, until the Certificate Principal Balances of the Class A-I-4 Certificates and Class A-I-5 Certificates have been reduced to zero; and (II) Distributions of principal from the Available Distribution Amount for Loan Group CB on each Distribution Date will be made as follows: 38 (i) first, the Class A-P Principal Distribution Amount for Loan Group CB shall be distributed to the Class A-P Certificates, until the Certificate Principal Balance thereof has been reduced to zero; and (ii) second, an amount equal to the Senior Principal Distribution Amount for Loan Group CB shall be distributed as follows: (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 of the Class R-I Certificates and Class R-II Certificates have been reduced to zero; and (B) second, any remaining amount to the Class CB Certificates until the Certificate Principal Balance of the Class CB Certificates has been reduced to zero. (c) Notwithstanding Section 4.02(b), on or after the Credit Support Depletion Date, the Senior Principal Distribution Amount for each Loan Group will be distributed to the remaining Senior Certificates in the related Certificate Group (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 all Classes of 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 applicable 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 39 increases shall be applied to the Certificate Principal Balance of each Certificate of such Class in accordance with its respective Percentage Interest. (f) Each distribution with respect to a Book-Entry Certificate shall be paid to the Depository, as Holder thereof, and the Depository shall be solely responsible for crediting the amount of such distribution to the accounts of its Depository Participants in accordance with its normal procedures. Each Depository Participant shall be responsible for disbursing such distribution to the Certificate Owners that it represents and to each indirect participating brokerage firm (a "brokerage firm") for which it acts as agent. Each brokerage firm shall be responsible for disbursing funds to the Certificate Owners that it represents. None of the Trustee, the Certificate Registrar, the Company or the Master Servicer shall have any responsibility therefor. (g) Except as otherwise provided in Section 9.01, if the Master Servicer anticipates that a final distribution with respect to any Class of Certificates will be made on the next Distribution Date, the Master Servicer shall, no later than the Determination Date in the month of such final distribution, notify the Trustee and the Trustee shall, no later than two (2) Business Days after such Determination Date, mail on such date to each Holder of such Class of Certificates a notice to the effect that: (i) the Trustee anticipates that the final distribution with respect to such Class of Certificates will be made on such Distribution Date but only upon presentation and surrender of such Certificates at the office of the Trustee or as otherwise specified therein, and (ii) no interest shall accrue on such Certificates from and after the end of the related Interest Accrual Period. In the event that Certificateholders required to surrender their Certificates pursuant to Section 9.01(c) do not surrender their Certificates for final cancellation, the Trustee shall cause funds distributable with respect to such Certificates to be withdrawn from the Certificate Account and credited to a separate escrow account for the benefit of such Certificateholders as provided in Section 9.01(d). (h) On any Distribution Date prior to the occurrence of the Credit Support Depletion Date that occurs after the reduction of the aggregate Certificate Principal Balance of a Certificate Group to zero, the remaining Certificate Group will be entitled to receive 100% of the prepayments on the Mortgage Loans in the Loan Group related to the Certificate Group that has been fully paid. Such amounts allocated to a Certificate Group shall be treated as part of the related Available Distribution Amount and distributed as part of the related Senior Principal Distribution Amount in accordance with the priorities set forth in 4.02(b) above, in reduction of such Certificate Principal Balances. Notwithstanding the foregoing, remaining Certificate Group will not be entitled to receive prepayments on the Mortgage Loans in a Loan Group related to Certificate Group that has been fully paid if the following two conditions are satisfied: (1) the weighted average of the Subordinate Percentages for both Loan Groups for such Distribution Date, weighted on the basis of the Stated Principal Balances of the Mortgage Loans in the related Loan Group, is at least two times the weighted average of the initial Subordinate Percentages for both Loan Groups, calculated on that basis and (2) the outstanding principal balance of the Mortgage Loans in both Loan Groups delinquent 60 days or more averaged over the last six months, as a percentage of the aggregate outstanding Certificate Principal Balance of the Class M Certificates and Class B Certificates, is less than 50%. 40 (i) For any Undercollateralized Certificate Group on any Distribution Date prior to the Credit Support Depletion Date (i) 100% of the Mortgagor prepayments allocable to the Class M Certificates and Class B Certificates on the Mortgage Loans in non-related Loan Group will be distributed to such Undercollateralized Certificate Group in accordance with the priorities set forth in Section 4.02(b) for the related Senior Principal Distribution Amount, in reduction of the Certificate Principal Balance of such Undercollateralized Certificate Group, until such Certificate Principal Balance equals the aggregate Stated Principal Balance of the Mortgage Loans in the related Loan Group and (ii) an amount equal to one month's interest at a rate of 5.75% per annum on the related Undercollateralized Amount will be distributed from that portion of the Available Distribution Amount for any non-related Loan Group that would be otherwise allocable to the Class M Certificates and Class B Certificates, in the following priority: first to pay any unpaid interest on such Undercollateralized Certificate Group and then to pay principal thereon in the manner described in clause (i) above. 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 41 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 the Class A-I Certificates (in the case of a Group A-I Loan) or among all the Class CB Certificates and the Residual Certificates (in the case of a Group CB Loan), and the Class A-V Certificates (in the case of the interest portion of a Realized Loss on a Mortgage Loan in any Loan Group) 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 related Senior Percentage of the remainder of the principal portion of such losses (including the principal portion of such losses on Non-Discount Mortgage Loans) will be allocated among all the Class A-I Certificates (in the case of a Group I Loan) on a pro rata basis or among the Class CB Certificates and Residual Certificates (in the case of a Group CB Loan) on a pro rata basis; and the remainder of the principal portion of such Realized Losses will be allocated among the Subordinate Certificates, on a pro rata basis, as described below. The interest portion of any Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses and Extraordinary Losses will be allocated to all the Certificates on a pro rata basis. As used herein, an allocation of a Realized Loss on a "pro rata basis" among two or more specified Classes of Certificates means an allocation on a pro rata basis, among the various Classes so specified, to each such Class of Certificates on the basis of their then outstanding Certificate Principal Balances prior to giving effect to distributions to be made on such Distribution Date in the case of the principal portion of a Realized Loss or based on the Accrued Certificate Interest thereon payable from the related Loan Group in respect of such Distribution Date and derived from the related Loan Group (without regard to any Compensating Interest allocated to the Available Distribution Amount of such Loan Group for such Distribution Date) in the case of an interest portion of a Realized Loss. Except as provided in the following sentence, any allocation of the principal portion of Realized Losses (other than Debt Service Reductions) to a Class of Certificates shall be made by reducing the Certificate Principal Balance thereof by the amount so allocated, which allocation shall be deemed to have occurred on such Distribution Date; provided that no such reduction shall reduce the aggregate Certificate Principal Balance of the Certificates in any Certificate Group below the aggregate Stated Principal Balance of the Mortgage Loans in the related Loan Group. 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. 42 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) 43 ARTICLE V THE CERTIFICATES (SEE ARTICLE V OF THE STANDARD TERMS) Section 5.01. The Certificates. (a) (See Section 5.01(a) of the Standard Terms) (b) Except as provided below, registration of Book-Entry Certificates may not be transferred by the Trustee except to another Depository that agrees to hold such Certificates for the respective Certificate Owners with Ownership Interests therein. The Holders of the Book-Entry Certificates shall hold their respective Ownership Interests in and to each of such Certificates through the book-entry facilities of the Depository and, except as provided below, shall not be entitled to Definitive Certificates in respect of such Ownership Interests. All transfers by Certificate Owners of their respective Ownership Interests in the Book-Entry Certificates shall be made in accordance with the procedures established by the Depository Participant or brokerage firm representing such Certificate Owner. Each Depository Participant shall transfer the Ownership Interests only in the Book-Entry Certificates of Certificate Owners it represents or of brokerage firms for which it acts as agent in accordance with the Depository's normal procedures. The Trustee, the Master Servicer and the Company may for all purposes (including the making of payments due on the respective Classes of Book-Entry Certificates) deal with the Depository as the authorized representative of the Certificate Owners with respect to the respective Classes of Book-Entry Certificates for the purposes of exercising the rights of Certificateholders hereunder. The rights of Certificate Owners with respect to the respective Classes of Book-Entry Certificates shall be limited to those established by law and agreements between such Certificate Owners and the Depository Participants and brokerage firms representing such Certificate Owners. Multiple requests and directions from, and votes of, the Depository as Holder of any Class of Book-Entry Certificates with respect to any particular matter shall not be deemed inconsistent if they are made with respect to different Certificate Owners. The Trustee may establish a reasonable record date in connection with solicitations of consents from or voting by Certificateholders and shall give notice to the Depository of such record date. If (i)(A) the Company advises the Trustee in writing that the Depository is no longer willing or able to properly discharge its responsibilities as Depository and (B) the Company is unable to locate a qualified successor or (ii) the Company at its option advises the Trustee in writing that it elects to terminate the book-entry system through the Depository, the Trustee shall notify all Certificate Owners, through the Depository, of the occurrence of any such event and of the availability of Definitive Certificates to Certificate Owners requesting the same. Upon surrender to the Trustee of the Book-Entry Certificates by the Depository, accompanied by registration instructions from the Depository for registration of transfer, the Trustee shall issue the Definitive Certificates. In addition, if an Event of Default has occurred and is continuing, each Certificate Owner materially adversely affected thereby may at its option request a Definitive Certificate evidencing such Certificate Owner's Percentage Interest in the related Class of Certificates. In order to make such request, such Certificate Owner shall, subject to the rules and procedures of the Depository, provide the Depository or the related Depository Participant with directions for the Certificate Registrar to exchange or cause the exchange 44 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) Section 5.06. U.S. Patriot Act Compliance. In order for it to comply with its duties under the U.S. Patriot Act, the Trustee shall obtain and verify certain information from the other parties hereto, including but not limited to such parties' name, address and other identifying information. 45 ARTICLE VI THE COMPANY AND THE MASTER SERVICER (SEE ARTICLE VI OF THE STANDARD TERMS) 46 ARTICLE VII DEFAULT (SEE ARTICLE VII OF THE STANDARD TERMS) 47 ARTICLE VIII CONCERNING THE TRUSTEE (SEE ARTICLE VIII OF THE STANDARD TERMS) 48 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. 49 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) 50 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-I, Class CB, 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 Class A-V 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). 51 (b)The amount described in Section 10.04(a)(ii) shall be deemed distributed to (i) Uncertificated REMIC I Regular Interest T, (ii) Uncertificated REMIC I Regular Interest U, (iii) Uncertificated REMIC I Regular Interest V, (iv) Uncertificated REMIC I Regular Interest W, (v) Uncertificated REMIC I Regular Interest X and (vi) Uncertificated REMIC I Regular Interest Y with the amount to be distributed allocated among such interests in accordance with the priority assigned to each Related Class of Certificates (other than the Class R-I Certificates), respectively, under Section 4.02(b) until the Uncertificated Principal Balance of each such interest is reduced to zero. (c)The portion of the Uncertificated REMIC I Regular Interest Distribution Amounts described in Section 10.04(a)(ii) shall be deemed distributed by REMIC I to REMIC II in accordance with the priority assigned to the REMIC II Certificates relative to that assigned to the REMIC I Certificates under Section 4.02(b). (d)In determining from time to time the Uncertificated REMIC I Regular Interest Distribution Amounts and Uncertificated REMIC II Regular Interest Distribution Amounts: (i) Realized Losses allocated to the Class A-V Certificates under Section 4.05 shall be deemed allocated to the Uncertificated REMIC II Regular Interests Z pro-rata according to the respective amounts of Uncertificated Accrued Interest that would have accrued on such Uncertificated REMIC II Regular Interests Z for the Distribution Date for which such allocation is being made in the absence of such allocation; (ii) Realized Losses allocated to the Class CB Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest T; (iii) Realized Losses allocated to the Class A-I-1 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest U; (iv) Realized Losses allocated to the Class A-I-2 Certificates and the Class A-I-3 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest V; (v) Realized Losses allocated to the Class A-I-4 and the Class A-I-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. 52 (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. 53 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-QS2 The Trustee designates its offices located at c/o DTC Transfer Services, 55 Water Street, Jeanette Street Park Entrance, New York, New York 10041, for the purposes of Section 8.12 of the Standard Terms ---------------------------------- --------------------------------------------- ---------------------------------- --------------------------------------------- Standard & Poor's Ratings 55 Water Street Services, a division of The New York, New York 10041 McGraw-Hill Companies, Inc. ---------------------------------- --------------------------------------------- ---------------------------------- --------------------------------------------- Moody's Investors Service, Inc. 99 Church Street, 4th Floor New York, New York 10004 ---------------------------------- --------------------------------------------- 54 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. 97% of all of the Voting Rights shall be allocated among Holders of Certificates, other than the Class Interest Only Certificates and Class R Certificates, in proportion to the outstanding Certificate Principal Balances of their respective Certificates, 1.0% of all Voting Rights shall be allocated among the Holders of the Class A-I-3 Certificates, in accordance with their respective Percentage Interests; 1.0 % of all Voting Rights shall be allocated among the Holders of the Class A-V Certificates, in accordance with their respective Percentage Interests; 0.5% of all Voting Rights shall be allocated among the Holders of the Class R-I Certificates, in accordance with their respective Percentage Interests; and 0.5% of all Voting Rights shall be allocated among the Holders of the Class R-II Certificates, in accordance with their respective Percentage Interests. Section 11.10. No Petition. The Depositor, Master Servicer and the Trustee, by entering into this Agreement, and each Certificateholder, by accepting a Certificate, hereby covenant and agree that they will not at any time institute against the Trust Fund, or join in any institution against the Trust Fund of, any bankruptcy proceedings under any United States federal or state bankruptcy or similar law in connection with any obligation with respect to the Certificates or this Agreement. 55 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/ Mark White________ Name: Mark White Title: Vice President RESIDENTIAL FUNDING CORPORATION [Seal] By: /s/ Mark White Name: Mark White Title: Associate Attest:_/s/ Joseph Orning______ Name: Joseph Orning Title:Associate DEUTSCHE BANK TRUST COMPANY AMERICAS, as Trustee [Seal] By: /s/ Brent Hoyler Name: Brent Hoyler Title: Associate By: /s/ Ronaldo Reyes Name: Ronaldo Reyes Title: Assistant Vice President Attest:_/s/ Jeremy Conyers____ Name: Jeremy Conyers Title: Assosiate 56 STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 26th day of February, 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] 57 STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 26th day of February, 2004 before me, a notary public in and for said State, personally appeared _Mark White__________, known to me to be a(n) _Associate__________ of Residential Funding Corporation, one of the corporations that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. /s/ Brian S. Bangerter Notary Public [Notarial Seal] 58 STATE OF CALIFORNIA ) ) ss.: COUNTY OF ORANGE ) On the 26th day of February, 2004 before me, a notary public in and for said State, personally appeared _Brent Hoyler__, known to me to be a(n) _Associate_______ of Deutsche Bank Trust Company Americas, the New York banking corporation that executed the within instrument, and also known to me to be the person who executed it on behalf of said banking corporation and acknowledged to me that such banking corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. /s/ Nicholas Charles Gisler Notary Public [Notarial Seal] 59 STATE OF CALIFORNIA ) ) ss.: COUNTY OF ORANGE ) On the 26th day of February, 2004 before me, a notary public in and for said State, personally appeared _Ronaldo Reyes_, known to me to be a(n) _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/ Nicholas Charles Gisler Notary Public [Notarial Seal] 60 EXHIBIT ONE MORTGAGE LOAN SCHEDULE RUN ON : 02/24/04 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 09.32.43 FIXED PASSTHRU REPORT AMORTIZED BALANCE SERIES : RALI 2004-QS2 FIXED CUTOFF : 02/01/04 POOL : 0004804 : : 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 ------------------------------------------------------------------------- 8417375 .2500 216,340.95 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8478641 .2500 244,346.54 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8535030 .2500 270,812.50 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8565932 .2500 64,529.23 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8595826 .2500 39,822.19 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8626891 .2500 98,744.67 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 1 8636648 .2500 64,723.83 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8649219 .2500 96,482.24 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8668224 .2500 82,380.17 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8670019 .2500 142,758.52 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8672060 .2500 166,616.56 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8676382 .2500 86,880.37 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 5.7500 1.5450 8692614 .2500 38,824.02 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8705521 .2500 227,583.92 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 1 8720646 .2500 246,320.36 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8727488 .2500 207,196.87 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8756438 .2500 171,293.35 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8756566 .2500 243,172.95 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8757308 .2500 147,510.47 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 8774553 .2500 205,580.56 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8776271 .2500 79,514.52 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 5.7500 1.4200 8777214 .2500 62,237.90 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 1 8792378 .2500 46,702.75 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 5.7500 1.7950 8799388 .2500 89,018.83 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 5.7500 1.1700 8807456 .2500 48,330.16 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 8815810 .2500 227,592.64 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8820296 .2500 183,824.80 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8826932 .2500 146,080.80 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8836360 .2500 73,798.19 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8840942 .2500 339,116.86 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 1 8842814 .2500 113,567.85 .0800 6.9900 .0000 6.7400 .0000 6.6600 .0000 5.7500 .9100 8843096 .2500 154,434.92 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8843100 .2500 99,635.44 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8844998 .2500 173,738.13 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8845052 .2500 197,446.92 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8850952 .2500 178,001.37 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8850986 .2500 214,984.19 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8851008 .2500 231,286.91 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 1 8852000 .2500 248,886.92 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8852012 .2500 149,562.17 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8852150 .2500 119,388.95 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8852164 .2500 132,637.32 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8852182 .2500 160,654.73 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8852194 .2500 125,140.89 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8852252 .2500 174,511.14 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8852292 .2500 141,721.78 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 1 8852304 .2500 148,649.17 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 5.7500 1.1700 8852360 .2500 149,456.91 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8852414 .2500 253,618.31 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8852498 .2500 95,738.22 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8852504 .2500 115,909.29 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 8852526 .2500 115,458.80 .0300 5.3750 .0000 5.1250 .0000 5.0950 .0000 5.0950 .0000 8852534 .2500 144,686.71 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 8852634 .2500 245,013.66 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 1 8855704 .2500 209,493.20 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 5.7500 1.0450 8870972 .2500 187,583.38 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 8871102 .2500 239,520.97 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8875332 .2500 85,844.08 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8877946 .2500 196,113.79 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8878108 .2500 194,021.16 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 8878604 .2500 124,762.16 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8878682 .2500 179,158.49 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 1 8878920 .2500 52,740.86 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8879818 .2500 123,653.62 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8879886 .2500 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194,750.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 5.7500 1.2950 9080126 .2500 90,500.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 9080730 .2500 193,700.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 9080734 .2500 140,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9080766 .2500 90,000.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 5.7500 1.4200 1 9080768 .2500 160,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9080808 .2500 68,909.33 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 9080820 .2500 249,600.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 9080886 .2500 89,600.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 9080926 .2500 196,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 9080982 .2500 54,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9080984 .2500 54,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9080994 .2500 150,400.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 1 9081096 .2500 73,500.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9081104 .2500 75,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 9081114 .2500 315,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9081120 .2500 300,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9081192 .2500 297,500.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9081196 .2500 228,000.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 9081206 .2500 119,900.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9081218 .2500 129,300.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 1 9081248 .2500 93,150.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 5.7500 1.1700 9081280 .2500 232,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9081284 .2500 162,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9081452 .2500 120,600.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9081528 .2500 212,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9081542 .2500 191,025.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 5.7500 1.2950 9081582 .2500 84,500.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9081612 .2500 104,400.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 1 9081690 .2500 137,750.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 9082614 .2500 151,700.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9082648 .2500 149,351.17 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9082696 .2500 157,700.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9082926 .2500 55,059.11 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 5.7500 1.4200 9082956 .2500 205,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9082966 .2500 292,500.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9083010 .2500 159,200.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 1 9083794 .2500 83,900.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 9083798 .2500 45,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9083886 .2500 61,200.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9083888 .2500 118,400.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9083890 .2500 82,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9083898 .2500 123,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9083902 .2500 185,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 9083926 .2500 185,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 1 9083932 .2500 136,800.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 9083948 .2500 188,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9083958 .2500 186,400.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9083962 .2500 183,920.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9083972 .2500 129,600.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9083984 .2500 132,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9084010 .2500 104,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9084016 .2500 108,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 1 9084018 .2500 233,750.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 9084100 .2500 136,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9084112 .2500 82,650.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 9084114 .2500 159,900.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 9084136 .2500 137,200.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9084156 .2500 84,532.34 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 5.7500 1.0450 9084180 .2500 92,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9084184 .2500 54,403.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 1 9084224 .2500 243,000.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 5.7500 1.0450 9084242 .2500 180,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9084280 .2500 200,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 9084286 .2500 328,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9084290 .2500 61,000.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 9084340 .2500 185,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 9084346 .2500 100,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9084356 .2500 61,800.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 1 9084366 .2500 113,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9084372 .2500 130,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 9084388 .2500 185,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 9084442 .2500 73,500.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9084460 .2500 63,805.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9084468 .2500 90,000.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 9084530 .2500 115,500.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9084554 .2500 50,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 1 9084576 .2500 247,900.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9084596 .2500 56,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 9084614 .2500 128,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9084730 .2500 201,800.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9084816 .2500 164,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9084834 .2500 103,860.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 5.7500 1.4200 9084858 .2500 193,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9084876 .2500 316,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 1 9084882 .2500 92,271.96 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9084936 .2500 207,200.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 9085498 .2500 161,500.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 9085500 .2500 66,400.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 9085528 .2500 133,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 9085538 .2500 255,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9085570 .2500 191,025.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 5.7500 1.2950 9085662 .2500 93,550.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 1 9085688 .2500 40,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9086154 .2500 157,500.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 5.7500 1.0450 9086248 .2500 50,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9086276 .2500 155,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9086326 .2500 144,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9086460 .2500 50,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9086468 .2500 45,600.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 5.7500 1.1700 9086554 .2500 108,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 1 9086656 .2500 73,800.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 9086720 .2500 66,750.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9086732 .2500 75,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9086886 .2500 120,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 9086926 .2500 247,500.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 9086992 .2500 143,500.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9090268 .2500 112,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9090284 .2500 47,500.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 5.7500 1.4200 1 9090478 .2500 77,400.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9090490 .2500 64,400.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9090496 .2500 66,000.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 5.7500 1.1700 9090500 .2500 162,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9090508 .2500 157,500.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 5.7500 1.0450 9090548 .2500 146,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9090562 .2500 93,200.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9090688 .2500 153,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 1 9090704 .2500 333,700.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9090746 .2500 225,223.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9090772 .2500 142,160.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9091046 .2500 242,250.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9091096 .2500 228,000.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 9091102 .2500 52,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9091652 .2500 88,000.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 5.7500 1.1700 9093184 .2500 60,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 1 9096010 .2500 91,200.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9096048 .2500 60,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9096294 .2500 90,900.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 9096312 .2500 70,700.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 9096320 .2500 130,500.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 9096340 .2500 62,900.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 9096374 .2500 77,640.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 9096378 .2500 161,025.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 1 9096408 .2500 136,750.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9096488 .2500 127,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9096524 .2500 199,450.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 9096604 .2500 102,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 9096624 .2500 116,178.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9096632 .2500 189,000.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 5.7500 1.4200 9096634 .2500 50,400.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 5.7500 1.4200 9096636 .2500 50,400.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 5.7500 1.4200 1 9096690 .2500 187,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9097726 .2500 260,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 9097734 .2500 288,750.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 9098896 .2500 50,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 9099030 .2500 105,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9100052 .2500 284,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 9100066 .2500 318,500.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9100314 .2500 163,800.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 1 9100808 .2500 120,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9100814 .2500 137,300.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9100820 .2500 238,800.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9102176 .2500 207,800.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 9103266 .2500 113,600.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 9103456 .2500 89,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9103714 .2500 96,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 5.7500 1.2950 9104082 .2500 113,600.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 1 9104846 .2500 108,900.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 9105160 .2500 60,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 TOTAL NUMBER OF LOANS: 1688 TOTAL BALANCE........: 229,400,694.07 RUN ON : 02/24/04 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 09.32.43 INITIAL SECURITY FEES AMORTIZED BALANCE SERIES : RALI 2004-QS2 FIXED FIXED SUMMARY REPORT CUTOFF : 02/01/04 POOL : 0004804 : : POOL STATUS: F WEIGHTED AVERAGES FROM TO ---------------------------------------------------------------------------- CURR NOTE RATE 6.4934 5.3750 7.8750 RFC NET RATE 6.2434 5.1250 7.6250 NET MTG RATE(INVSTR RATE) 6.1702 5.0950 7.5450 POST STRIP RATE 5.7370 5.0950 5.7500 SUB SERV FEE .2500 .2500 .2500 MSTR SERV FEE .0732 .0300 .0800 ALL EXP .0000 .0000 .0000 MISC EXP .0000 .0000 .0000 SPREAD .0000 .0000 .0000 STRIP .4332 .0000 1.7950 TOTAL NUMBER OF LOANS: 1688 TOTAL BALANCE........: 229,400,694.07 *************************** * END OF REPORT * *************************** RUN ON : 02/24/04 RFC DISCLOSURE SYSTEM RFFSD177-01 AT : 09.32.43 FIXED RATE LOAN LISTING AMORTIZED BALANCE SERIES : RALI 2004-QS2 FIXED CUTOFF : 02/01/04 POOL : 0004804 : : 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 # ______________________________________________________________________________ 8417375 286/286 F 219,000.00 ZZ 360 216,340.95 4 6.500 1,384.23 60 6.250 1,384.23 INGLEWOOD CA 90302 2 12/03/02 00 1664420 05 02/01/03 0 1664420 N 01/01/33 0 8478641 T71/M32 F 250,164.11 ZZ 342 244,346.54 1 6.375 1,588.42 56 6.125 1,588.42 FT LAUDERDALE FL 33301 1 11/08/02 00 270001082 03 12/01/02 0 0125535281 O 05/01/31 0 8535030 U05/G02 F 272,500.00 ZZ 360 270,812.50 1 5.875 1,611.94 79 5.625 1,611.94 PEORIA AZ 85303 5 07/22/03 00 0437425176 03 09/01/03 0 3390753 O 08/01/33 0 8565932 286/286 F 65,000.00 ZZ 360 64,529.23 1 5.875 384.50 26 5.625 384.50 WAILUKU HI 96793 5 06/20/03 00 2487593 05 08/01/03 0 1 2487593 O 07/01/33 0 8595826 U05/G02 F 40,005.00 ZZ 360 39,822.19 2 6.500 252.86 75 6.250 252.86 FORT WORTH TX 76111 1 08/14/03 00 0436418883 05 10/01/03 0 3000295988 N 09/01/33 0 8626891 E22/G02 F 99,650.00 ZZ 360 98,744.67 1 6.875 654.63 95 6.625 654.63 COWETA OK 74429 5 04/10/03 11 0416440022 05 06/01/03 30 0416440022 O 05/01/33 0 8636648 E22/G02 F 65,000.00 ZZ 360 64,723.83 3 6.875 427.00 65 6.625 427.00 SPRINGFIELD MA 01108 2 09/04/03 00 0418480406 05 10/01/03 0 0418480406 N 09/01/33 0 8649219 964/G02 F 97,500.00 ZZ 360 96,482.24 2 6.250 600.32 75 6.000 600.32 NEWPORT OR 97365 1 03/19/03 00 0435877121 05 05/01/03 0 348742 N 04/01/33 0 8668224 E22/G02 F 82,720.00 ZZ 360 82,380.17 1 5.875 489.32 80 5.625 489.32 HAMPTON VA 23666 1 09/12/03 00 0417880820 09 11/01/03 0 0417880820 N 10/01/33 0 1 8670019 286/286 F 144,000.00 ZZ 360 142,758.52 1 6.875 945.98 90 6.625 945.98 PHOENIX AZ 85024 1 03/06/03 10 2019108 05 05/01/03 25 2019108 N 04/01/33 0 8672060 286/286 F 168,500.00 ZZ 360 166,616.56 1 6.500 1,065.04 80 6.250 1,065.04 CAMAS WA 98607 1 01/24/03 00 2014099 05 03/01/03 0 2014099 O 02/01/33 0 8676382 286/286 F 87,200.00 ZZ 360 86,880.37 1 7.625 617.20 80 7.375 617.20 CHICAGO IL 60636 1 08/29/03 00 2731384 05 10/01/03 0 2731384 N 09/01/33 0 8692614 196/G02 F 39,000.00 ZZ 360 38,824.02 1 5.375 218.39 75 5.125 218.39 HUNTSVILLE AL 35801 5 09/05/03 00 0437319932 05 11/01/03 0 1661530 N 10/01/33 0 8705521 736/M32 F 230,000.00 ZZ 360 227,583.92 1 6.250 1,416.15 49 6.000 1,416.15 GREAT NECK NY 11024 5 03/25/03 00 260001054 05 05/01/03 0 0107885394 O 04/01/33 0 8720646 X67/G02 F 247,200.00 ZZ 360 246,320.36 2 6.625 1,582.85 80 6.375 1,582.85 1 OAKLAND CA 94601 1 09/15/03 00 0437241037 05 11/01/03 0 426006 O 10/01/33 0 8727488 E22/G02 F 207,955.00 ZZ 360 207,196.87 1 6.500 1,314.42 95 6.250 1,314.42 HILLSBOROUGH NJ 08844 1 10/03/03 04 0418768594 09 11/01/03 30 0418768594 O 10/01/33 0 8756438 286/286 F 172,000.00 ZZ 360 171,293.35 1 5.875 1,017.45 67 5.625 1,017.45 RAVENNA OH 44266 2 09/18/03 00 2652877 05 11/01/03 0 2652877 O 10/01/33 0 8756566 286/286 F 244,000.00 ZZ 360 243,172.95 1 6.875 1,602.91 80 6.625 1,602.91 ISLIP NY 11751 5 09/18/03 00 2725725 05 11/01/03 0 2725725 O 10/01/33 0 8757308 286/286 F 148,000.00 ZZ 360 147,510.47 1 7.000 984.65 80 6.750 984.65 ASTON PA 19014 1 09/29/03 00 2744158 07 11/01/03 0 2744158 O 10/01/33 0 8774553 N67/G02 F 207,000.00 ZZ 360 205,580.56 1 6.875 1,359.84 73 6.625 1,359.84 TANNERSVILLE PA 18372 1 05/16/03 00 0435998349 05 07/01/03 0 3264002251 O 06/01/33 0 1 8776271 N67/G02 F 80,000.00 ZZ 360 79,514.52 1 7.500 559.37 80 7.250 559.37 FLORIDA CITY FL 33034 1 05/16/03 00 0436001820 05 07/01/03 0 3254006350 O 06/01/33 0 8777214 G34/G02 F 62,400.00 ZZ 360 62,237.90 1 6.750 404.73 80 6.500 404.73 LAS VEGAS NV 89119 1 10/09/03 00 0437318488 06 12/01/03 0 77301564 N 11/01/33 0 8792378 Y36/G02 F 46,800.00 ZZ 360 46,702.75 1 7.875 339.33 90 7.625 339.33 IOWA FALLS IA 50126 1 10/10/03 01 0437261936 05 12/01/03 25 5800501 O 11/01/33 0 8799388 N67/G02 F 89,300.00 ZZ 360 89,018.83 1 7.250 609.18 53 7.000 609.18 TAMPA FL 33647 1 10/03/03 00 0436833354 03 11/01/03 0 3254008464 O 10/01/33 0 8807456 E22/G02 F 48,450.00 ZZ 360 48,330.16 1 7.000 322.34 95 6.750 322.34 DALLAS TX 75231 1 10/27/03 04 0418679965 01 12/01/03 35 0418679965 O 11/01/33 0 8815810 758/G02 F 228,200.00 ZZ 360 227,592.64 1 1 6.625 1,461.19 70 6.375 1,461.19 HOUSTON TX 77055 5 10/22/03 00 0436914279 05 12/01/03 0 331159 O 11/01/33 0 8820296 W93/G02 F 185,000.00 ZZ 240 183,824.80 1 6.500 1,379.31 68 6.250 1,379.31 OXNARD CA 93030 5 10/01/03 00 0436903306 05 12/01/03 0 25507211 O 11/01/23 0 8826932 E22/G02 F 146,500.00 ZZ 360 146,080.80 1 6.250 902.03 78 6.000 902.03 COLORADO SPRING CO 80903 5 10/27/03 00 0418785028 05 12/01/03 0 0418785028 O 11/01/33 0 8836360 313/G02 F 74,000.00 ZZ 360 73,798.19 1 6.500 467.74 67 6.250 467.74 PALM BAY FL 32909 1 10/20/03 00 0436891337 05 12/01/03 0 9672353 O 11/01/33 0 8840942 E22/G02 F 340,000.00 ZZ 360 339,116.86 2 6.750 2,205.23 80 6.500 2,205.23 WAKEFIELD MA 01880 5 10/31/03 00 0418802237 05 12/01/03 0 0418802237 O 11/01/33 0 8842814 Q87/G02 F 113,850.00 ZZ 360 113,567.85 1 6.990 756.68 90 6.740 756.68 DECATUR GA 30032 1 10/22/03 10 0437035298 05 12/01/03 30 1 JATR02 N 11/01/33 0 8843096 N67/G02 F 155,000.00 ZZ 360 154,434.92 2 6.500 979.71 66 6.250 979.71 ASBURY PARK NJ 07712 5 09/22/03 00 0436952287 05 11/01/03 0 3275003555 N 10/01/33 0 8843100 N67/G02 F 100,000.00 ZZ 360 99,635.44 2 6.500 632.07 65 6.250 632.07 NEPTUNE NJ 07753 5 09/22/03 00 0436952295 05 11/01/03 0 3275003556 N 10/01/33 0 8844998 624/G02 F 175,000.00 ZZ 360 173,738.13 4 5.875 1,035.19 70 5.625 1,035.19 SAN BERNARDINO CA 92404 5 08/07/03 00 0437270283 05 10/01/03 0 1000030660 O 09/01/33 0 8845052 E22/G02 F 198,000.00 ZZ 360 197,446.92 1 6.375 1,235.26 89 6.125 1,235.26 TACOMA WA 98445 5 10/29/03 04 0418783973 03 12/01/03 25 0418783973 O 11/01/33 0 8850952 E22/G02 F 178,500.00 ZZ 360 178,001.37 1 6.375 1,113.61 87 6.125 1,113.61 HIGHLAND CA 92346 2 10/27/03 04 0418669925 05 12/01/03 25 0418669925 O 11/01/33 0 1 8850986 E22/G02 F 215,647.00 ZZ 360 214,984.19 1 5.875 1,275.63 80 5.625 1,275.63 KENT WA 98032 1 10/28/03 00 0418708301 05 12/01/03 0 0418708301 O 11/01/33 0 8851008 E22/G02 F 232,000.00 ZZ 360 231,286.91 1 5.875 1,372.37 67 5.625 1,372.37 VAN NUYS(LA) CA 91406 5 10/30/03 00 0418726204 05 12/01/03 0 0418726204 O 11/01/33 0 8852000 Y21/G02 F 250,000.00 ZZ 360 248,886.92 1 6.000 1,498.88 46 5.750 1,498.88 CANYON LAKE CA 92587 5 10/10/03 00 0436910723 03 12/01/03 0 203773535 O 11/01/33 0 8852012 286/286 F 150,000.00 ZZ 360 149,562.17 1 6.375 935.81 32 6.125 935.81 COMMACK NY 11725 5 10/16/03 00 2829865 05 12/01/03 0 2829865 O 11/01/33 0 8852150 286/286 F 119,700.00 ZZ 360 119,388.95 1 6.750 776.38 95 6.500 776.38 DALLAS TX 75204 1 10/31/03 19 2825670 01 12/01/03 30 2825670 O 11/01/33 0 8852164 286/286 F 133,000.00 ZZ 360 132,637.32 2 6.500 840.66 95 6.250 840.66 1 PUEBLO WEST CO 81007 1 10/22/03 12 2871039 05 12/01/03 30 2871039 O 11/01/33 0 8852182 286/286 F 161,063.00 ZZ 360 160,654.73 1 6.875 1,058.07 80 6.625 1,058.07 ST AUGUSTINE FL 32092 1 10/09/03 00 2835125 05 12/01/03 0 2835125 O 11/01/33 0 8852194 286/286 F 125,500.00 ZZ 360 125,140.89 1 6.250 772.73 80 6.000 772.73 LEE SUMMIT MO 64063 5 10/17/03 00 2809583 05 12/01/03 0 2809583 O 11/01/33 0 8852252 286/286 F 175,000.00 ZZ 360 174,511.14 1 6.375 1,091.78 70 6.125 1,091.78 MONCKS CORNER SC 29461 1 10/24/03 00 2836894 05 12/01/03 0 2836894 O 11/01/33 0 8852292 286/286 F 142,100.00 ZZ 360 141,721.78 1 6.625 909.89 65 6.375 909.89 CONROE TX 77304 2 10/27/03 00 2859205 05 12/01/03 0 2859205 O 11/01/33 0 8852304 286/286 F 149,000.00 ZZ 360 148,649.17 1 7.250 1,016.45 73 7.000 1,016.45 MILAN OH 44846 1 10/22/03 00 2856362 05 12/01/03 0 2856362 O 11/01/33 0 1 8852360 286/286 F 150,000.00 ZZ 316 149,456.91 1 6.500 992.55 47 6.250 992.55 GLENDALE AZ 85308 5 10/27/03 00 2889347 05 12/01/03 0 2889347 O 03/01/30 0 8852414 286/286 F 254,400.00 ZZ 360 253,618.31 1 6.250 1,566.39 80 6.000 1,566.39 TULSA OK 74137 2 10/17/03 00 2381460 05 12/01/03 0 2381460 O 11/01/33 0 8852498 286/286 F 96,000.00 ZZ 360 95,738.22 1 6.500 606.79 80 6.250 606.79 ROANOKE AL 36274 5 10/22/03 00 2883506 05 12/01/03 0 2883506 O 11/01/33 0 8852504 286/286 F 116,250.00 ZZ 360 115,909.29 1 6.125 706.35 75 5.875 706.35 PORTOLA CA 96122 5 10/16/03 00 2848890 05 12/01/03 0 2848890 O 11/01/33 0 8852526 286/286 F 115,850.00 ZZ 360 115,458.80 1 5.375 648.73 80 5.125 648.73 COLUMBUS OH 43240 1 10/31/03 00 2528346 01 12/01/03 0 2528346 O 11/01/33 0 8852534 286/286 F 145,112.00 ZZ 360 144,686.71 1 1 6.125 881.72 80 5.875 881.72 KENNESAW GA 30152 1 10/24/03 00 2823878 05 12/01/03 0 2823878 O 11/01/33 0 8852634 286/286 F 245,700.00 ZZ 360 245,013.66 1 6.375 1,532.85 90 6.125 1,532.85 DEARBORN MI 48128 1 10/22/03 12 2830563 05 12/01/03 25 2830563 O 11/01/33 0 8855704 E22/G02 F 210,000.00 ZZ 360 209,493.20 1 7.125 1,414.81 85 6.875 1,414.81 CARTERSVILLE GA 30120 5 10/30/03 10 0418742763 05 12/01/03 12 0418742763 O 11/01/33 0 8870972 E22/G02 F 187,900.00 ZZ 360 187,583.38 1 6.875 1,234.37 57 6.625 1,234.37 SAN JOSE CA 95111 5 11/10/03 00 0418979274 09 01/01/04 0 0418979274 N 12/01/33 0 8871102 E22/G02 F 240,000.00 ZZ 360 239,520.97 1 6.000 1,438.92 75 5.750 1,438.92 ORANGE CA 92868 5 11/03/03 00 0418776993 05 01/01/04 0 0418776993 O 12/01/33 0 8875332 E22/G02 F 86,000.00 ZZ 360 85,844.08 1 6.500 543.58 80 6.250 543.58 LOWELL IN 46356 1 11/14/03 00 0419067509 07 01/01/04 0 1 0419067509 O 12/01/33 0 8877946 E22/G02 F 196,650.00 ZZ 360 196,113.79 1 6.500 1,242.96 95 6.250 1,242.96 FONTANA CA 92337 5 10/27/03 01 0418685087 05 12/01/03 35 0418685087 O 11/01/33 0 8878108 E22/G02 F 194,400.00 ZZ 360 194,021.16 1 6.125 1,181.19 80 5.875 1,181.19 CLINTON CT 06413 5 11/10/03 00 0418831590 05 01/01/04 0 0418831590 O 12/01/33 0 8878604 E22/G02 F 125,000.00 ZZ 360 124,762.16 1 6.250 769.65 80 6.000 769.65 POMPANO BEACH FL 33064 2 11/04/03 00 0419001292 05 01/01/04 0 0419001292 O 12/01/33 0 8878682 E22/G02 F 179,500.00 ZZ 360 179,158.49 1 6.250 1,105.21 66 6.000 1,105.21 LYNNWOOD WA 98037 2 11/06/03 00 0419015938 05 01/01/04 0 0419015938 O 12/01/33 0 8878920 253/253 F 52,839.00 ZZ 360 52,740.86 1 6.375 329.65 95 6.125 329.65 FORT WORTH TX 76132 1 11/03/03 19 499071 05 01/01/04 30 499071 O 12/01/33 0 1 8879818 286/286 F 124,000.00 ZZ 360 123,653.62 1 6.375 773.60 80 6.125 773.60 ALBUQUERQUE NM 87114 1 10/31/03 00 2855014 05 12/01/03 0 2855014 O 11/01/33 0 8879886 286/286 F 134,100.00 ZZ 360 133,734.33 1 6.500 847.61 90 6.250 847.61 SCOTTSDALE AZ 85251 1 11/03/03 14 2866761 01 12/01/03 25 2866761 O 11/01/33 0 8879898 286/286 F 152,800.00 ZZ 360 152,522.97 1 6.500 965.81 80 6.250 965.81 AUBURN WA 98092 2 10/31/03 00 2851207 01 01/01/04 0 2851207 O 12/01/33 0 8891646 Y69/G02 F 114,800.00 ZZ 360 114,447.13 1 5.875 679.09 80 5.625 679.09 PHOENIX AZ 85022 5 10/09/03 00 0437041759 01 12/01/03 0 6033590 O 11/01/33 0 8892014 K15/G02 F 169,000.00 ZZ 360 168,662.68 1 6.000 1,013.24 85 5.750 1,013.24 LYNDEN WA 98264 5 11/10/03 41 0437040884 05 01/01/04 12 021105512685 O 12/01/33 0 8892380 E22/G02 F 170,400.00 ZZ 360 170,078.29 1 6.375 1,063.07 80 6.125 1,063.07 1 BAKERSFIELD CA 93308 1 11/11/03 00 0419009733 05 01/01/04 0 0419009733 O 12/01/33 0 8895056 W40/G02 F 91,700.00 ZZ 360 91,409.13 1 6.500 579.61 87 6.250 579.61 MOHAVE VALLEY AZ 86440 2 11/14/03 04 0437040363 03 01/01/04 25 1055000148 O 12/01/33 0 8898618 N74/G02 F 103,000.00 ZZ 360 102,719.15 1 6.500 651.03 86 6.250 651.03 WAYNESBORO VA 22980 2 11/13/03 10 0437050420 05 12/18/03 25 0033725010 O 11/18/33 0 8899651 X31/G02 F 193,400.00 ZZ 360 193,212.03 1 6.125 1,175.12 80 5.875 1,175.12 SOUTH EL MONTE CA 91733 1 12/12/03 00 0437240898 05 02/01/04 0 80003136 O 01/01/34 0 8899835 P90/G02 F 90,000.00 ZZ 360 89,924.39 1 6.875 591.24 80 6.625 591.24 OVERLAND PARK KS 66204 5 12/23/03 00 0437227564 05 02/01/04 0 8693218 O 01/01/34 0 8899953 E23/G02 F 280,000.00 ZZ 360 279,740.66 1 6.375 1,746.84 75 6.125 1,746.84 SEASIDE CA 93955 5 12/05/03 00 0437230048 05 02/02/04 0 63003379 O 01/02/34 0 1 8899965 E23/G02 F 137,500.00 ZZ 360 137,375.70 1 6.500 869.09 80 6.250 869.09 CHINO HILLS CA 91709 5 12/11/03 00 0437278658 05 02/01/04 0 51039030 O 01/01/34 0 8900041 E23/G02 F 159,600.00 ZZ 360 159,173.62 1 6.125 969.75 70 5.875 969.75 LOS ANGELES CA 90022 1 12/10/03 00 0437232549 05 02/01/04 0 91000147 O 01/01/34 0 8901629 U09/G02 F 154,600.00 ZZ 360 154,456.80 1 6.375 964.51 89 6.125 964.51 PONTIAC MI 48341 2 12/19/03 11 0437288525 05 02/01/04 25 2302671 O 01/01/34 0 8902529 E23/G02 F 234,000.00 ZZ 360 233,798.53 3 6.750 1,517.72 90 6.500 1,517.72 LOS ANGELES CA 90017 1 12/23/03 04 0437266869 05 02/01/04 25 91000141 O 01/01/34 0 8903499 967/G02 F 179,000.00 ZZ 360 178,830.16 1 6.250 1,102.13 75 6.000 1,102.13 SANDY OR 97055 2 12/22/03 00 0437274012 05 02/01/04 0 8714480 O 01/01/34 0 8903617 W98/G02 F 320,000.00 ZZ 360 319,703.62 1 1 6.375 1,996.38 80 6.125 1,996.38 WINCHESTER MA 01890 1 12/29/03 00 0437273832 01 02/01/04 0 BURT O 01/01/34 0 8903649 W98/G02 F 82,000.00 ZZ 360 81,929.40 1 6.750 531.85 59 6.500 531.85 ANNANDALE VA 22003 2 12/19/03 00 0437274681 01 02/01/04 0 WB031229 O 01/01/34 0 8903775 E23/G02 F 124,500.00 ZZ 360 124,378.99 1 6.125 756.48 74 5.875 756.48 MORENO VALLEY CA 92557 5 12/17/03 00 0437265457 05 02/01/04 0 61014747 O 01/01/34 0 8904060 E22/G02 F 54,400.00 ZZ 360 54,308.33 1 6.875 357.37 80 6.625 357.37 WOOSTER ST. OH 44691 1 11/25/03 00 0418850921 05 01/01/04 0 0418850921 N 12/01/33 0 8904570 E22/G02 F 229,000.00 ZZ 360 228,553.71 1 6.125 1,391.43 89 5.875 1,391.43 TEMECULA CA 92592 5 11/10/03 01 0419080080 29 01/01/04 25 0419080080 O 12/01/33 0 8904624 E22/G02 F 189,000.00 ZZ 360 188,704.24 3 7.250 1,289.31 90 7.000 1,289.31 NORTH LAUDERDAL FL 33068 1 11/25/03 04 0419111026 05 01/01/04 25 1 0419111026 N 12/01/33 0 8904626 E22/G02 F 184,000.00 ZZ 360 183,682.27 1 6.750 1,193.42 80 6.500 1,193.42 WEST PATERSON NJ 07424 1 11/25/03 00 0419112479 05 01/01/04 0 0419112479 O 12/01/33 0 8904943 E23/G02 F 107,400.00 ZZ 360 107,300.52 1 6.375 670.04 60 6.125 670.04 LOS ANGELES CA 90003 5 12/23/03 00 0437312424 05 02/01/04 0 51039400 N 01/01/34 0 8905311 W98/G02 F 144,000.00 ZZ 360 143,879.02 1 6.875 945.98 80 6.625 945.98 WOODBRIDGE VA 22192 5 12/30/03 00 0437331861 09 02/01/04 0 GB0310002 N 01/01/34 0 8905317 W98/G02 F 140,000.00 ZZ 360 139,882.38 1 6.875 919.70 80 6.625 919.70 WOODBRIDGE VA 22192 5 12/30/03 00 0437356470 09 02/01/04 0 GB031027 N 01/01/34 0 8905327 W98/G02 F 172,000.00 ZZ 360 171,855.50 1 6.875 1,129.92 80 6.625 1,129.92 MANASSAS PARK VA 20111 5 12/30/03 00 0437321854 05 02/01/04 0 GB0310001 N 01/01/34 0 1 8905513 R68/G02 F 220,000.00 ZZ 360 220,000.00 1 6.750 1,426.92 80 6.500 1,426.92 HOLLYWOOD FL 33020 1 01/21/04 00 0437364953 05 03/01/04 0 20032975 N 02/01/34 0 8905903 E23/G02 F 67,650.00 ZZ 360 67,650.00 1 6.875 444.41 80 6.625 444.41 WEED CA 96094 1 01/06/04 00 0437316664 05 03/01/04 0 64003493 O 02/01/34 0 8907313 967/G02 F 126,000.00 ZZ 360 126,000.00 1 6.250 775.80 74 6.000 775.80 CENTERFIELD UT 84622 2 01/14/04 00 0437362155 05 03/01/04 0 8718620 O 02/01/34 0 8907404 E22/G02 F 134,400.00 ZZ 360 134,138.07 1 6.125 816.63 80 5.875 816.63 SHASTA LAKE CA 96019 5 11/20/03 00 0419086400 05 01/01/04 0 0419086400 O 12/01/33 0 8907788 E22/G02 F 67,000.00 ZZ 360 66,872.53 1 6.250 412.53 93 6.000 412.53 MONROE CITY MO 63456 5 11/21/03 01 0418862975 05 01/01/04 30 0418862975 O 12/01/33 0 8908302 E22/G02 F 77,600.00 T 360 77,452.35 1 6.250 477.80 80 6.000 477.80 1 WEST PALM BEACH FL 33409 1 11/24/03 00 0418987822 01 01/01/04 0 0418987822 O 12/01/33 0 8908368 E22/G02 F 180,000.00 ZZ 360 179,649.21 1 6.125 1,093.70 80 5.875 1,093.70 WOODBRIDGE NJ 07095 2 11/21/03 00 0418989505 05 01/01/04 0 0418989505 O 12/01/33 0 8908992 E22/G02 F 129,100.00 ZZ 360 128,842.32 1 6.000 774.02 80 5.750 774.02 ASHLAND OH 44805 5 11/25/03 00 0419102371 05 01/01/04 0 0419102371 O 12/01/33 0 8909296 E22/G02 F 150,900.00 ZZ 360 150,612.89 1 6.250 929.12 72 6.000 929.12 SAN ANTONIO TX 78201 2 11/21/03 00 0419134572 05 01/01/04 0 0419134572 O 12/01/33 0 8909809 B44/G02 F 98,800.00 ZZ 360 98,800.00 1 5.875 584.44 80 5.625 584.44 BOISE ID 83713 2 01/20/04 00 0437375819 03 03/01/04 0 4041006 O 02/01/34 0 8910393 B44/G02 F 87,500.00 ZZ 360 87,500.00 1 6.750 567.52 79 6.500 567.52 LOS MOLINOS CA 96055 1 01/21/04 00 0437409873 05 03/01/04 0 7041000 N 02/01/34 0 1 8912392 U05/G02 F 125,000.00 TX 360 124,784.15 1 6.750 810.75 60 6.500 810.75 FRISCO TX 75035 5 11/13/03 00 0437244015 05 01/01/04 0 3000408097 O 12/01/33 0 8913820 E22/G02 F 114,320.00 ZZ 360 114,091.81 1 6.000 685.41 80 5.750 685.41 TRUSSVILLE AL 35173 1 12/01/03 00 0419078431 05 01/01/04 0 0419078431 O 12/01/33 0 8913970 E22/G02 F 173,550.00 ZZ 360 173,250.32 1 6.750 1,125.64 90 6.500 1,125.64 HOUSTON TX 77069 4 12/01/03 01 0419175476 03 01/01/04 25 0419175476 O 12/01/33 0 8914000 E22/G02 F 165,000.00 ZZ 360 164,835.74 1 6.000 989.26 47 5.750 989.26 MEADOW VISTA CA 95722 5 11/24/03 00 0419217120 05 02/01/04 0 0419217120 O 01/01/34 0 8914002 E22/G02 F 84,150.00 ZZ 360 84,004.68 1 6.750 545.80 90 6.500 545.80 LARGO FL 33773 1 12/01/03 01 0419217617 05 01/01/04 25 0419217617 O 12/01/33 0 8914148 E22/G02 F 173,600.00 ZZ 360 173,261.68 2 1 6.125 1,054.81 80 5.875 1,054.81 DUDLEY MA 01571 5 11/25/03 00 0418845152 05 01/01/04 0 0418845152 O 12/01/33 0 8914290 E22/G02 F 136,800.00 ZZ 360 136,551.99 2 6.500 864.67 80 6.250 864.67 SALT LAKE CITY UT 84106 2 11/20/03 00 0419030226 05 01/01/04 0 0419030226 N 12/01/33 0 8914314 E22/G02 F 292,000.00 ZZ 360 291,468.65 1 6.500 1,845.64 80 6.250 1,845.64 SEATTLE WA 98112 1 11/24/03 00 0419047469 05 01/01/04 0 0419047469 N 12/01/33 0 8914340 E22/G02 F 105,600.00 ZZ 360 105,417.65 1 6.750 684.92 79 6.500 684.92 HIGH RIDGE MO 63049 2 11/25/03 00 0419064696 03 01/01/04 0 0419064696 O 12/01/33 0 8914372 B43/G02 F 58,550.00 ZZ 360 58,455.49 1 7.500 409.39 90 7.250 409.39 DOTHAN AL 36301 5 11/21/03 01 0437061567 05 01/01/04 25 40788 O 12/01/33 0 8919278 E22/G02 F 100,000.00 ZZ 360 99,805.12 1 6.125 607.61 57 5.875 607.61 COWETA OK 74429 5 11/26/03 00 0418940722 05 01/01/04 0 1 0418940722 O 12/01/33 0 8919288 E22/G02 F 155,000.00 T 360 154,705.10 1 6.250 954.36 59 6.000 954.36 MCCALL ID 83638 2 11/19/03 00 0418952610 05 01/01/04 0 0418952610 O 12/01/33 0 8919514 E22/G02 F 79,440.00 ZZ 360 79,302.82 1 6.750 515.25 80 6.500 515.25 NORFOLK VA 23518 1 12/01/03 00 0419193958 05 01/01/04 0 0419193958 O 12/01/33 0 8919826 N47/G02 F 165,000.00 ZZ 360 164,686.07 1 6.250 1,015.93 74 6.000 1,015.93 STOCKTON CA 95206 5 11/14/03 00 0437241284 05 01/01/04 0 30510420 O 12/01/33 0 8920430 A35/G02 F 238,000.00 ZZ 360 237,568.53 1 6.500 1,504.32 87 6.250 1,504.32 ROCKY POINT NY 11778 2 11/21/03 10 0437256423 05 01/01/04 25 LG15543 O 12/01/33 0 8923394 W35/G02 F 50,000.00 ZZ 360 49,876.07 1 6.990 332.32 63 6.740 332.32 LAFAYETTE IN 47905 5 11/21/03 00 0437178874 05 12/26/03 0 26251 O 11/26/33 0 1 8924366 E22/G02 F 85,680.00 ZZ 360 85,532.05 1 6.750 555.72 80 6.500 555.72 CHARLOTTE NC 28269 1 12/02/03 00 0419033485 03 01/01/04 0 0419033485 N 12/01/33 0 8924554 E22/G02 F 86,000.00 ZZ 360 85,912.32 1 5.875 508.72 77 5.625 508.72 CANTON OH 44705 5 11/28/03 00 0419191838 05 02/01/04 0 0419191838 O 01/01/34 0 8925566 G34/G02 F 136,000.00 ZZ 360 135,765.16 1 6.750 882.09 80 6.500 882.09 LAS VEGAS NV 89103 5 11/21/03 00 0437083280 05 01/01/04 0 77305049 N 12/01/33 0 8926248 532/G02 F 100,700.00 ZZ 360 100,625.27 1 7.500 704.11 70 7.250 704.11 REDDING CA 96003 2 11/24/03 00 0437159841 05 02/01/04 0 1 O 01/01/34 0 8926626 W51/G02 F 78,400.00 ZZ 300 78,173.17 1 6.000 505.13 70 5.750 505.13 CHATTANOOGA TN 37411 5 11/14/03 00 0437082522 05 01/01/04 0 9911 O 12/01/28 0 8928462 E22/G02 F 152,800.00 ZZ 360 152,655.01 1 6.250 940.82 80 6.000 940.82 1 COLORADO SPRING CO 80918 1 12/04/03 00 0419182068 03 02/01/04 0 0419182068 O 01/01/34 0 8928772 E82/G02 F 59,300.00 ZZ 360 59,250.18 1 6.875 389.56 50 6.625 389.56 HOFFMAN ESTATES IL 60195 2 12/02/03 00 0400926234 01 02/01/04 0 0400926234 O 01/01/34 0 8929846 B28/G02 F 149,600.00 ZZ 360 149,335.29 1 6.625 957.91 80 6.375 957.91 SUGAR GROVE IL 60554 1 11/26/03 00 0437072044 05 01/01/04 0 03003532 O 12/01/33 0 8930552 Q30/G02 F 225,000.00 ZZ 360 224,601.88 1 6.625 1,440.70 78 6.375 1,440.70 MOUNT LAUREL NJ 08054 5 11/26/03 00 0437101934 05 01/01/04 0 32011269 O 12/01/33 0 8932016 N67/G02 F 151,000.00 ZZ 360 150,567.94 1 6.250 929.73 66 6.000 929.73 SPARKS NV 89436 2 10/30/03 00 0437139058 03 12/01/03 0 1260007399 O 11/01/33 0 8934300 N67/G02 F 84,000.00 ZZ 360 83,824.37 1 5.875 496.89 75 5.625 496.89 SCHWENKSVILLE PA 19473 5 11/19/03 00 0437144082 03 01/01/04 0 3262007848 O 12/01/33 0 1 8935420 E22/G02 F 117,000.00 ZZ 360 116,899.27 1 6.750 758.86 90 6.500 758.86 CAPE CORAL FL 33990 1 12/04/03 04 0418904033 05 02/01/04 25 0418904033 O 01/01/34 0 8935606 E22/G02 F 53,000.00 ZZ 360 52,908.48 2 6.750 343.76 69 6.500 343.76 DETROIT MI 48209 5 12/01/03 00 0419032206 05 01/01/04 0 0419032206 O 12/01/33 0 8935636 E22/G02 F 167,000.00 T 360 166,682.26 1 6.250 1,028.25 67 6.000 1,028.25 BIG SKY MT 59716 2 12/05/03 00 0419035688 21 01/01/04 0 0419035688 O 12/01/33 0 8936164 E82/G02 F 262,000.00 ZZ 360 261,773.75 1 6.750 1,699.33 80 6.500 1,699.33 OLD LYME CT 06371 2 12/04/03 00 0400927497 05 02/01/04 0 0400927497 O 01/01/34 0 8936234 E22/G02 F 170,400.00 ZZ 360 170,075.80 1 6.250 1,049.18 80 6.000 1,049.18 KENT WA 98030 1 11/24/03 00 0419189964 05 01/01/04 0 0419189964 O 12/01/33 0 8936262 E22/G02 F 111,920.00 ZZ 360 111,707.06 1 1 6.250 689.11 80 6.000 689.11 LITHIA SPRINGS GA 30122 1 12/05/03 00 0419193917 05 01/01/04 0 0419193917 O 12/01/33 0 8936328 E22/G02 F 75,000.00 ZZ 360 74,925.34 1 6.000 449.66 69 5.750 449.66 SAN MARCOS TX 78666 1 12/03/03 00 0419213475 05 02/01/04 0 0419213475 O 01/01/34 0 8936456 E22/G02 F 68,250.00 ZZ 360 68,013.75 1 5.875 403.72 61 5.625 403.72 SCOTTSVILLE KY 42164 5 12/01/03 00 0419090667 05 01/01/04 0 0419090667 O 12/01/33 0 8937594 T44/G02 F 212,000.00 ZZ 360 211,596.65 1 6.250 1,305.32 80 6.000 1,305.32 MCKINLEYVILLE CA 95519 5 11/17/03 00 0437297302 05 01/01/04 0 1098001 O 12/01/33 0 8938056 B28/G02 F 173,600.00 ZZ 360 173,285.25 1 6.500 1,097.28 80 6.250 1,097.28 PARKER CO 80134 1 11/21/03 00 0437076870 05 01/01/04 0 01804478 O 12/01/33 0 8942180 E22/G02 F 202,250.00 ZZ 360 202,053.43 1 6.125 1,228.89 54 5.875 1,228.89 HUDSON MA 01749 5 12/03/03 00 0419195821 05 02/01/04 0 1 0419195821 O 01/01/34 0 8942394 E22/G02 F 167,000.00 ZZ 360 166,619.79 1 6.250 1,028.25 73 6.000 1,028.25 LOMA CO 81524 2 12/02/03 00 0418977609 05 02/01/04 0 0418977609 O 01/01/34 0 8942460 E22/G02 F 110,300.00 ZZ 360 110,102.64 1 5.875 652.47 80 5.625 652.47 EAST WENATCHEE WA 98802 1 11/26/03 00 0419070719 05 02/01/04 0 0419070719 O 01/01/34 0 8942466 E22/G02 F 50,000.00 ZZ 360 49,953.70 1 6.375 311.93 77 6.125 311.93 FILION MI 48432 5 12/03/03 00 0419077888 05 02/01/04 0 0419077888 O 01/01/34 0 8942608 E22/G02 F 51,000.00 ZZ 360 50,953.90 1 6.500 322.35 79 6.250 322.35 LOUISVILLE KY 40211 5 12/02/03 00 0419226279 05 02/01/04 0 0419226279 O 01/01/34 0 8942634 E22/G02 F 148,000.00 ZZ 360 147,856.16 1 6.125 899.26 80 5.875 899.26 REDMOND OR 97756 5 12/02/03 00 0419244504 05 02/01/04 0 0419244504 O 01/01/34 0 1 8945376 X60/G02 F 84,400.00 ZZ 360 84,246.98 1 6.500 533.47 80 6.250 533.47 EVERETT WA 98204 1 11/18/03 00 0437103831 01 01/01/04 0 124469601 O 12/01/33 0 8945746 E82/G02 F 121,500.00 ZZ 360 121,387.47 1 6.375 758.00 68 6.125 758.00 RICHARDSON TX 75081 2 12/02/03 00 0400921953 05 02/01/04 0 0400921953 O 01/01/34 0 8947308 E22/G02 F 65,500.00 ZZ 360 65,451.39 1 7.500 457.99 68 7.250 457.99 SAINT PETERSBUR FL 33701 5 12/09/03 00 0418983789 05 02/01/04 0 0418983789 N 01/01/34 0 8947438 E22/G02 F 94,905.00 ZZ 360 94,821.26 1 6.625 607.69 95 6.375 607.69 COLUMBIA SC 29212 1 12/09/03 10 0419228093 05 02/01/04 30 0419228093 O 01/01/34 0 8947450 E22/G02 F 74,150.00 ZZ 360 74,060.85 1 6.250 456.55 80 6.000 456.55 WENATCHEE WA 98801 1 11/25/03 00 0419237474 05 02/01/04 0 0419237474 O 01/01/34 0 8947452 E22/G02 F 147,600.00 ZZ 240 147,312.34 1 6.875 1,133.29 90 6.625 1,133.29 1 MONCKS CORNER SC 29461 5 12/04/03 04 0419241955 05 02/01/04 25 0419241955 O 01/01/24 0 8947472 E22/G02 F 120,600.00 ZZ 360 120,482.78 1 6.125 732.78 95 5.875 732.78 NORFOLK VA 23518 1 12/08/03 10 0419271945 05 02/01/04 30 0419271945 O 01/01/34 0 8947534 U96/G02 F 148,000.00 ZZ 360 147,718.41 1 6.250 911.26 80 6.000 911.26 HONOMU HI 96728 1 11/22/03 00 0437192222 05 01/01/04 0 031100019 O 12/01/33 0 8948156 P44/G02 F 314,000.00 ZZ 360 313,694.81 1 6.125 1,907.90 45 5.875 1,907.90 CHILMARK MA 02535 2 12/03/03 00 0437120454 05 02/01/04 0 0211040424 O 01/01/34 0 8952528 X64/G02 F 74,000.00 ZZ 360 73,940.83 1 7.125 498.55 65 6.875 498.55 DETROIT MI 48235 5 12/04/03 00 0437199516 05 02/01/04 0 0000018717 O 01/01/34 0 8955552 E22/G02 F 88,000.00 ZZ 360 87,910.28 1 5.875 520.55 80 5.625 520.55 SPRING HILL FL 34609 5 12/05/03 00 0418777298 05 02/01/04 0 0418777298 O 01/01/34 0 1 8955724 E22/G02 F 100,000.00 TX 360 99,909.60 1 6.500 632.07 80 6.250 632.07 HURST TX 76053 5 12/05/03 00 0419104252 05 02/01/04 0 0419104252 O 01/01/34 0 8955744 E22/G02 F 174,300.00 ZZ 360 174,138.56 1 6.375 1,087.41 80 6.125 1,087.41 PLAYA VISTA(LA) CA 90094 1 11/26/03 00 0419118625 01 02/01/04 0 0419118625 O 01/01/34 0 8955774 E22/G02 F 118,700.00 ZZ 360 118,597.80 1 6.750 769.89 95 6.500 769.89 PLAINFIELD NJ 07060 1 12/10/03 04 0419138722 05 02/01/04 30 0419138722 O 01/01/34 0 8955776 E22/G02 F 167,200.00 ZZ 360 167,045.14 1 6.375 1,043.11 80 6.125 1,043.11 WESTMINSTER MD 21157 1 12/10/03 00 0419141163 05 02/01/04 0 0419141163 O 01/01/34 0 8955864 E22/G02 F 114,000.00 ZZ 360 113,889.20 1 6.125 692.68 80 5.875 692.68 CHESAPEAKE VA 23325 5 12/05/03 00 0419205463 05 02/01/04 0 0419205463 O 01/01/34 0 8955896 E22/G02 F 91,400.00 ZZ 360 91,273.46 1 1 6.250 562.77 80 6.000 562.77 ROWLETT TX 75088 2 12/05/03 00 0419219191 05 02/01/04 0 0419219191 O 01/01/34 0 8955908 E22/G02 F 130,400.00 ZZ 360 130,279.22 1 6.375 813.53 79 6.125 813.53 LEXINGTON KY 40509 5 12/05/03 00 0419224084 05 02/01/04 0 0419224084 O 01/01/34 0 8956094 Q87/G02 F 68,000.00 ZZ 240 67,713.53 1 6.250 497.03 68 6.000 497.03 GREENVILLE TN 37743 5 11/17/03 00 0437105513 05 01/01/04 0 FARO03 O 12/01/23 0 8956142 E82/G02 F 225,000.00 ZZ 360 224,801.49 1 6.625 1,440.70 74 6.375 1,440.70 UPLAND CA 91786 5 12/04/03 00 0400926960 05 02/01/04 0 0400926960 O 01/01/34 0 8958040 P21/G02 F 120,000.00 TX 360 119,883.37 1 6.125 729.13 80 5.875 729.13 AUSTIN TX 78745 5 12/05/03 00 0437212806 05 02/01/04 0 0310038 O 01/01/34 0 8961278 E22/G02 F 125,500.00 ZZ 360 125,391.95 1 6.750 813.99 88 6.500 813.99 MARS HILL NC 28754 5 12/11/03 01 0419220710 05 02/01/04 25 1 0419220710 O 01/01/34 0 8961286 E22/G02 F 116,000.00 ZZ 360 115,887.25 1 6.125 704.83 80 5.875 704.83 EAST WENATCHEE WA 98802 1 12/03/03 00 0419230727 05 02/01/04 0 0419230727 O 01/01/34 0 8961354 E22/G02 F 165,000.00 ZZ 360 164,839.63 1 6.125 1,002.56 72 5.875 1,002.56 SOUTH GATE CA 90280 5 12/05/03 00 0419310271 05 02/01/04 0 0419310271 O 01/01/34 0 8961826 286/286 F 49,000.00 ZZ 360 48,878.79 1 7.000 326.00 70 6.750 326.00 PITTSBURGH PA 15218 5 10/09/03 00 2786995 05 12/01/03 0 2786995 N 11/01/33 0 8961832 286/286 F 136,000.00 ZZ 360 135,196.65 2 6.125 826.36 54 5.875 826.36 BURLINGTON VT 05401 2 07/23/03 00 2427004 05 09/01/03 0 2427004 N 08/01/33 0 8961838 286/286 F 60,000.00 ZZ 360 59,747.04 1 6.875 394.16 80 6.625 394.16 MIAMI FL 33157 5 10/20/03 00 2859045 05 12/01/03 0 2859045 N 11/01/33 0 1 8961844 286/286 F 30,000.00 ZZ 360 29,929.35 1 7.250 204.66 43 7.000 204.66 WAYNESVILLE NC 28786 5 10/16/03 00 2795824 05 12/01/03 0 2795824 N 11/01/33 0 8961852 286/286 F 57,600.00 ZZ 360 57,464.37 1 7.250 392.94 90 7.000 392.94 URBANA IL 61801 1 10/09/03 12 2788312 05 12/01/03 25 2788312 N 11/01/33 0 8961860 286/286 F 130,000.00 ZZ 360 129,662.32 1 6.750 843.18 62 6.500 843.18 CRANSTON RI 02905 5 10/15/03 00 2866707 05 12/01/03 0 2866707 N 11/01/33 0 8961868 286/286 F 48,800.00 ZZ 360 48,634.54 1 6.875 320.59 80 6.625 320.59 CANTON OH 44703 2 10/01/03 00 2816085 05 11/01/03 0 2816085 N 10/01/33 0 8961882 286/286 F 92,250.00 ZZ 360 91,937.32 1 6.875 606.02 75 6.625 606.02 DULUTH MN 55812 5 09/29/03 00 2803174 05 11/01/03 0 2803174 N 10/01/33 0 8961888 286/286 F 36,000.00 ZZ 360 35,917.29 1 7.375 248.65 90 7.125 248.65 1 UPPER DARBY PA 19082 1 10/10/03 12 2769820 05 12/01/03 25 2769820 N 11/01/33 0 8961908 286/286 F 89,440.00 ZZ 360 88,387.19 1 6.625 572.70 75 6.375 572.70 LA GRANGE KY 40031 1 10/10/03 00 2382419 05 12/01/03 0 2382419 N 11/01/33 0 8961914 286/286 F 130,000.00 ZZ 360 129,686.26 1 7.125 875.84 63 6.875 875.84 GROSSE POINTE W MI 48236 5 10/01/03 00 2789685 05 12/01/03 0 2789685 N 11/01/33 0 8961920 286/286 F 113,600.00 ZZ 360 112,796.39 1 6.000 681.09 80 5.750 681.09 MARIETTA GA 30068 2 06/18/03 00 2464763 05 08/01/03 0 2464763 N 07/01/33 0 8961928 286/286 F 92,800.00 ZZ 360 92,461.70 1 6.500 586.56 80 6.250 586.56 PORTLAND OR 97236 1 09/30/03 00 2800302 05 11/01/03 0 2800302 N 10/01/33 0 8961936 286/286 F 64,800.00 ZZ 360 64,580.36 2 6.875 425.69 90 6.625 425.69 BROCKPORT NY 14420 1 09/24/03 14 2790357 05 11/01/03 25 2790357 N 10/01/33 0 1 8961942 286/286 F 57,000.00 ZZ 360 56,621.75 1 6.375 355.61 90 6.125 355.61 CHICAGO IL 60609 1 06/10/03 12 2401242 05 08/01/03 25 2401242 N 07/01/33 0 8961948 286/286 F 100,000.00 ZZ 360 99,720.66 1 6.375 623.87 68 6.125 623.87 CLIFTON PARK NY 12065 2 10/20/03 00 2858279 05 12/01/03 0 2858279 N 11/01/33 0 8961966 286/286 F 86,000.00 ZZ 360 85,735.64 1 5.875 508.73 77 5.625 508.73 VANCOUVER WA 98661 2 10/14/03 00 2837138 01 12/01/03 0 2837138 N 11/01/33 0 8961972 286/286 F 22,500.00 ZZ 360 22,448.30 1 7.375 155.41 90 7.125 155.41 CRAWFORDSVILLE IN 47933 1 10/20/03 11 2776579 05 12/01/03 25 2776579 N 11/01/33 0 8961978 286/286 F 22,500.00 ZZ 360 22,429.15 1 7.250 153.49 90 7.000 153.49 PARKER HEIGHTS TX 76548 1 09/11/03 14 2805226 05 11/01/03 25 2805226 N 10/01/33 0 8961984 286/286 F 40,000.00 ZZ 360 39,873.14 2 1 6.875 262.78 89 6.625 262.78 CHICAGO IL 60621 1 10/17/03 12 2794432 05 12/01/03 25 2794432 N 11/01/33 0 8961990 286/286 F 68,000.00 ZZ 360 67,758.00 1 6.625 435.42 80 6.375 435.42 TITUSVILLE FL 32796 5 10/02/03 00 2713705 05 11/01/03 0 2713705 N 10/01/33 0 8961996 286/286 F 142,200.00 ZZ 360 141,752.22 1 7.250 970.06 90 7.000 970.06 FREDERICK MD 21703 1 09/30/03 11 2801473 05 11/01/03 25 2801473 N 10/01/33 0 8962004 286/286 F 63,750.00 ZZ 360 63,603.57 1 7.375 440.31 87 7.125 440.31 JOLIET IL 60433 2 10/29/03 25 2770021 05 12/01/03 30 2770021 N 11/01/33 0 8962010 286/286 F 67,500.00 ZZ 360 67,337.07 2 7.125 454.77 90 6.875 454.77 BAY CITY MI 48708 1 10/01/03 25 2687848 05 12/01/03 25 2687848 N 11/01/33 0 8962016 286/286 F 169,000.00 ZZ 360 167,977.79 1 6.000 1,013.25 38 5.750 1,013.25 SAN DIEGO CA 92119 2 07/07/03 00 2492859 05 09/01/03 0 1 2492859 N 08/01/33 0 8962046 286/286 F 186,000.00 ZZ 360 185,480.43 1 6.375 1,160.40 54 6.125 1,160.40 TEMPLE CITY CA 91780 2 10/06/03 00 2780250 05 12/01/03 0 2780250 N 11/01/33 0 8962052 286/286 F 93,750.00 ZZ 360 93,506.45 1 6.750 608.07 75 6.500 608.07 WYOMING MI 49509 1 10/09/03 00 2811333 05 12/01/03 0 2811333 N 11/01/33 0 8962054 286/286 F 95,000.00 ZZ 360 94,734.62 1 6.375 592.68 35 6.125 592.68 HAYMARKET VA 20169 2 10/20/03 00 2826265 05 12/01/03 0 2826265 N 11/01/33 0 8962064 286/286 F 101,700.00 ZZ 360 101,460.54 1 7.250 693.78 90 7.000 693.78 DEARBORN HEIGHT MI 48127 1 10/09/03 12 2228457 05 12/01/03 25 2228457 N 11/01/33 0 8962072 286/286 F 79,000.00 ZZ 360 78,352.64 1 6.750 512.40 76 6.500 512.40 RIVERDALE GA 30274 2 08/21/03 00 2720913 05 10/01/03 0 2720913 N 09/01/33 0 1 8962076 286/286 F 110,850.00 ZZ 360 110,540.36 1 6.375 691.56 80 6.125 691.56 GREENWOOD IN 46143 1 10/09/03 00 2587637 03 12/01/03 0 2587637 N 11/01/33 0 8962082 286/286 F 88,900.00 ZZ 360 88,536.98 1 7.000 591.46 90 6.750 591.46 COLUMBIA SC 29229 1 09/26/03 21 2797723 05 11/01/03 25 2797723 N 10/01/33 0 8962090 286/286 F 185,250.00 ZZ 360 184,528.21 1 6.625 1,186.18 75 6.375 1,186.18 ROLLING MEADOWS IL 60008 1 09/26/03 00 2722787 01 11/01/03 0 2722787 N 10/01/33 0 8962094 286/286 F 160,000.00 ZZ 360 159,553.03 2 6.375 998.20 73 6.125 998.20 HOLLAND MI 49423 5 10/15/03 00 2743667 05 12/01/03 0 2743667 N 11/01/33 0 8962102 286/286 F 48,000.00 ZZ 360 47,847.43 1 7.250 327.45 80 7.000 327.45 SPRINGFIELD IL 62702 1 10/17/03 00 2830067 05 12/01/03 0 2830067 N 11/01/33 0 8962106 286/286 F 82,500.00 ZZ 360 82,269.53 1 6.375 514.70 75 6.125 514.70 1 COUNTRY CLUB HI IL 60478 1 10/08/03 00 2813044 05 12/01/03 0 2813044 N 11/01/33 0 8962112 286/286 F 71,000.00 ZZ 360 70,815.57 1 6.750 460.51 58 6.500 460.51 NEW ORLEANS LA 70117 2 10/20/03 00 2822222 05 12/01/03 0 2822222 N 11/01/33 0 8962118 286/286 F 61,200.00 ZZ 360 60,976.88 1 6.500 386.83 90 6.250 386.83 INDIANAPOLIS IN 46202 1 10/03/03 21 2758719 05 11/01/03 25 2758719 N 10/01/33 0 8962124 286/286 F 130,500.00 ZZ 360 130,144.16 1 6.500 824.85 90 6.250 824.85 LAKE ST CROIX B MN 55043 1 10/13/03 14 2842093 05 12/01/03 30 2842093 N 11/01/33 0 8962128 286/286 F 126,000.00 ZZ 360 125,656.41 2 6.500 796.41 78 6.250 796.41 TUCSON AZ 85716 2 10/02/03 00 2805338 05 12/01/03 0 2805338 N 11/01/33 0 8962132 286/286 F 93,600.00 ZZ 360 93,332.15 1 6.250 576.32 75 6.000 576.32 ATLANTA GA 30318 5 10/10/03 00 2851333 05 12/01/03 0 2851333 N 11/01/33 0 1 8962136 286/286 F 101,000.00 ZZ 360 100,631.79 1 6.500 638.39 80 6.250 638.39 MONTICELLO IN 47960 2 09/25/03 00 2676047 05 11/01/03 0 2676047 N 10/01/33 0 8962140 286/286 F 102,870.00 ZZ 360 102,609.22 1 6.875 675.79 90 6.625 675.79 MIAMI FL 33157 1 10/09/03 14 2829574 01 12/01/03 25 2829574 N 11/01/33 0 8962146 286/286 F 69,400.00 ZZ 360 69,219.73 1 6.750 450.13 78 6.500 450.13 ELMA WA 98541 5 10/21/03 00 2790977 05 12/01/03 0 2790977 N 11/01/33 0 8962152 286/286 F 47,700.00 ZZ 360 47,593.12 1 7.500 333.53 90 7.250 333.53 BALTIMORE MD 21218 1 10/14/03 25 2782500 05 12/01/03 25 2782500 N 11/01/33 0 8962156 286/286 F 57,600.00 ZZ 360 57,427.44 1 6.875 378.40 90 6.625 378.40 DAYTON OH 45420 1 10/24/03 25 2886497 05 12/01/03 25 2886497 N 11/01/33 0 8962166 286/286 F 55,800.00 ZZ 360 55,671.83 1 1 7.375 385.40 90 7.125 385.40 ALLENTOWN PA 18102 1 10/02/03 11 2809109 05 12/01/03 25 2809109 N 11/01/33 0 8962176 286/286 F 110,400.00 ZZ 360 110,106.15 1 6.625 706.91 80 6.375 706.91 OREM UT 84058 1 10/14/03 00 2818157 05 12/01/03 0 2818157 N 11/01/33 0 8962178 286/286 F 103,500.00 ZZ 360 103,206.59 1 6.375 645.71 90 6.125 645.71 FERNLEY NV 89408 1 10/24/03 14 2824347 05 12/01/03 30 2824347 N 11/01/33 0 8962184 286/286 F 99,000.00 ZZ 360 98,723.43 1 6.375 617.64 90 6.125 617.64 FERNLEY NV 89408 1 10/23/03 14 2852919 05 12/01/03 30 2852919 N 11/01/33 0 8962186 286/286 F 92,000.00 ZZ 360 91,766.78 3 6.875 604.38 63 6.625 604.38 SAN JACINTO CA 92583 5 10/23/03 00 2868522 05 12/01/03 0 2868522 N 11/01/33 0 8962190 286/286 F 76,050.00 ZZ 360 75,772.75 1 6.500 480.69 75 6.250 480.69 CALIPATRIA CA 92233 5 09/24/03 00 2783232 05 11/01/03 0 1 2783232 N 10/01/33 0 8962194 286/286 F 154,000.00 ZZ 360 151,813.28 1 6.500 973.39 37 6.250 973.39 CASTRO VALLEY CA 94546 5 09/22/03 00 2763579 05 11/01/03 0 2763579 N 10/01/33 0 8962208 286/286 F 48,600.00 ZZ 360 48,407.64 1 7.250 331.54 90 7.000 331.54 BALTIMORE MD 21217 1 08/28/03 14 2496848 01 10/01/03 25 2496848 N 09/01/33 0 8962212 286/286 F 140,350.00 ZZ 360 139,885.75 1 7.000 933.76 90 6.750 933.76 SURPRISE AZ 85379 1 09/25/03 11 2811671 05 11/01/03 25 2811671 N 10/01/33 0 8962228 286/286 F 99,200.00 ZZ 360 98,941.43 1 6.750 643.41 80 6.500 643.41 PHOENIX AZ 85016 1 10/23/03 00 2845483 05 12/01/03 0 2845483 N 11/01/33 0 8962232 286/286 F 111,400.00 ZZ 360 111,073.51 1 6.125 676.88 80 5.875 676.88 TACOMA WA 98405 1 10/27/03 00 2877365 05 12/01/03 0 2877365 N 11/01/33 0 1 8962240 286/286 F 197,100.00 ZZ 360 196,767.87 1 6.875 1,294.81 90 6.625 1,294.81 CHICAGO IL 60707 1 11/11/03 19 2891232 05 01/01/04 25 2891232 N 12/01/33 0 8962244 286/286 F 116,910.00 ZZ 360 116,594.59 1 7.250 797.54 90 7.000 797.54 WALDORF MD 20603 1 10/23/03 11 2790666 03 12/01/03 25 2790666 N 11/01/33 0 8962248 286/286 F 137,000.00 ZZ 360 136,030.83 1 6.000 821.39 73 5.750 821.39 FONTANA CA 92337 2 06/10/03 00 2340957 05 08/01/03 0 2340957 N 07/01/33 0 8962254 286/286 F 74,480.00 ZZ 360 74,276.89 1 6.500 470.77 71 6.250 470.77 VIRGINIA BEACH VA 23462 5 10/13/03 00 2710900 01 12/01/03 0 2710900 N 11/01/33 0 8962258 286/286 F 110,000.00 ZZ 360 109,699.09 1 6.500 695.28 74 6.250 695.28 PALMYRA VA 22963 1 10/14/03 00 2687764 05 12/01/03 0 2687764 N 11/01/33 0 8962262 286/286 F 133,200.00 ZZ 360 132,818.85 1 6.250 820.14 80 6.000 820.14 1 LAKEWOOD CO 80226 1 10/21/03 00 2870532 05 12/01/03 0 2870532 N 11/01/33 0 8962266 286/286 F 112,000.00 ZZ 360 111,694.60 1 6.500 707.92 77 6.250 707.92 APACHE JUNCTION AZ 85218 1 10/17/03 00 2855782 05 12/01/03 0 2855782 N 11/01/33 0 8962270 286/286 F 267,900.00 ZZ 360 267,201.27 1 6.750 1,737.60 80 6.500 1,737.60 RESTON VA 20190 1 10/20/03 00 2769785 03 12/01/03 0 2769785 N 11/01/33 0 8962276 286/286 F 105,200.00 ZZ 360 104,913.13 1 6.500 664.94 80 6.250 664.94 TUCSON AZ 85747 1 10/20/03 00 2839810 05 12/01/03 0 2839810 N 11/01/33 0 8962280 286/286 F 111,600.00 ZZ 360 111,272.91 1 6.125 678.10 90 5.875 678.10 COCOA FL 32927 1 10/08/03 11 2838223 05 12/01/03 25 2838223 N 11/01/33 0 8962284 286/286 F 98,800.00 ZZ 360 98,380.18 1 6.875 649.05 80 6.625 649.05 TEMPE AZ 85283 1 08/28/03 00 2734511 03 10/01/03 0 2734511 N 09/01/33 0 1 8962288 286/286 F 135,000.00 ZZ 360 134,622.88 4 6.375 842.23 62 6.125 842.23 KETTERING OH 45440 2 10/09/03 00 2780469 05 12/01/03 0 2780469 N 11/01/33 0 8962292 286/286 F 81,400.00 ZZ 360 80,773.96 1 6.000 488.03 90 5.750 488.03 PORT ST LUCIE FL 34953 1 06/30/03 11 2594473 05 08/01/03 25 2594473 N 07/01/33 0 8962296 286/286 F 65,200.00 ZZ 360 65,012.32 1 6.250 401.45 61 6.000 401.45 HOUSTON TX 77095 5 10/03/03 00 2774647 05 12/01/03 0 2774647 N 11/01/33 0 8962302 286/286 F 105,000.00 ZZ 360 104,290.33 4 6.500 663.68 66 6.250 663.68 ATHENS GA 30606 2 06/09/03 00 2159589 05 08/01/03 0 2159589 N 07/01/33 0 8962306 286/286 F 48,000.00 ZZ 360 47,865.91 2 6.375 299.46 80 6.125 299.46 AKRON OH 44305 1 10/17/03 00 2846333 05 12/01/03 0 2846333 N 11/01/33 0 8962312 286/286 F 75,600.00 ZZ 360 75,406.58 1 1 6.875 496.64 90 6.625 496.64 WADESVILLE IN 47638 1 10/13/03 12 2800698 05 12/01/03 25 2800698 N 11/01/33 0 8962316 286/286 F 124,000.00 ZZ 360 123,232.09 1 5.875 733.51 69 5.625 733.51 HANOVER PARK IL 60103 2 07/01/03 00 2549773 05 09/01/03 0 2549773 N 08/01/33 0 8962320 286/286 F 96,500.00 ZZ 360 96,210.35 1 6.000 578.57 80 5.750 578.57 BRANSON MO 65616 2 10/22/03 00 2845770 01 12/01/03 0 2845770 N 11/01/33 0 8962330 286/286 F 110,500.00 ZZ 360 110,198.68 1 6.500 698.44 85 6.250 698.44 PEMBROKE PINES FL 33024 1 10/22/03 11 2731310 01 12/01/03 12 2731310 N 11/01/33 0 8962334 286/286 F 82,000.00 ZZ 360 81,580.65 1 6.875 538.69 90 6.625 538.69 PARK FOREST IL 60466 2 07/01/03 21 2312915 05 09/01/03 25 2312915 N 08/01/33 0 8962366 286/286 F 148,000.00 ZZ 360 146,417.17 1 6.000 887.34 90 5.750 887.34 FT LAUDERDALE FL 33309 1 07/07/03 04 2498383 03 09/01/03 25 1 2498383 N 08/01/33 0 8962376 286/286 F 175,000.00 ZZ 360 174,556.38 4 6.875 1,149.63 70 6.625 1,149.63 KANSAS CITY MO 64112 5 10/02/03 00 2818091 05 12/01/03 0 2818091 N 11/01/33 0 8962382 286/286 F 70,434.00 ZZ 360 70,158.09 1 6.125 427.96 90 5.875 427.96 BEDFORD TX 76022 1 09/20/03 04 2865217 05 11/01/03 25 2865217 N 10/01/33 0 8962388 286/286 F 134,250.00 ZZ 360 133,909.68 1 6.875 881.93 90 6.625 881.93 SUGAR GROVE IL 60554 1 10/14/03 04 2093192 03 12/01/03 25 2093192 N 11/01/33 0 8962396 286/286 F 303,000.00 ZZ 360 301,784.36 1 6.000 1,816.64 74 5.750 1,816.64 LIVONIA MI 48150 2 09/26/03 00 2623566 05 11/01/03 0 2623566 N 10/01/33 0 8962400 286/286 F 242,000.00 ZZ 360 241,051.93 1 6.125 1,470.42 60 5.875 1,470.42 FARMINGTON MI 48335 2 09/26/03 00 2623418 05 11/01/03 0 2623418 N 10/01/33 0 1 8962404 286/286 F 83,200.00 ZZ 360 82,967.59 1 6.375 519.06 80 6.125 519.06 NEW KENSINGTON PA 15068 2 10/10/03 00 2764184 05 12/01/03 0 2764184 N 11/01/33 0 8962406 286/286 F 48,000.00 ZZ 360 47,865.91 2 6.375 299.46 80 6.125 299.46 NEW KENSINGTON PA 15068 2 10/10/03 00 2764214 05 12/01/03 0 2764214 N 11/01/33 0 8962410 286/286 F 209,600.00 ZZ 360 208,710.26 2 6.375 1,307.64 80 6.125 1,307.64 FORT COLLINS CO 80525 2 10/08/03 00 2826344 05 12/01/03 0 2826344 N 11/01/33 0 8962416 286/286 F 155,200.00 ZZ 360 154,463.92 1 6.375 968.25 80 6.125 968.25 FORT COLLINS CO 80525 2 10/08/03 00 2826366 05 12/01/03 0 2826366 N 11/01/33 0 8962420 286/286 F 132,000.00 ZZ 360 131,622.29 1 6.250 812.75 63 6.000 812.75 ARVADA CO 80003 2 10/21/03 00 2828720 05 12/01/03 0 2828720 N 11/01/33 0 8962422 286/286 F 141,000.00 ZZ 360 140,596.52 1 6.250 868.17 66 6.000 868.17 1 BROOMFIELD CO 80020 2 10/21/03 00 2828708 05 12/01/03 0 2828708 N 11/01/33 0 8962428 286/286 F 151,000.00 ZZ 360 150,567.91 1 6.250 929.74 71 6.000 929.74 WESTMINSTER CO 80021 2 10/21/03 00 2828713 05 12/01/03 0 2828713 N 11/01/33 0 8962430 286/286 F 161,000.00 ZZ 360 160,539.31 1 6.250 991.31 68 6.000 991.31 WESTMINSTER CO 80020 5 10/21/03 00 2828724 05 12/01/03 0 2828724 N 11/01/33 0 8962436 286/286 F 105,000.00 ZZ 360 104,706.68 1 6.375 655.07 51 6.125 655.07 DENVER CO 80205 5 10/22/03 00 2865331 05 12/01/03 0 2865331 N 11/01/33 0 8962440 286/286 F 200,000.00 ZZ 360 199,170.35 1 6.750 1,297.20 48 6.500 1,297.20 WASHINGTON DC 20010 5 10/10/03 00 2798315 05 12/01/03 0 2798315 N 11/01/33 0 8962442 286/286 F 100,000.00 ZZ 360 99,740.25 1 6.750 648.60 35 6.500 648.60 ARLINGTON VA 22201 2 10/08/03 00 2788845 01 12/01/03 0 2788845 N 11/01/33 0 1 8962458 286/286 F 88,900.00 ZZ 360 88,651.63 1 6.375 554.63 71 6.125 554.63 SPRING TX 77386 5 10/22/03 00 2864628 05 12/01/03 0 2864628 N 11/01/33 0 8962466 286/286 F 118,320.00 ZZ 360 117,587.26 1 5.875 699.91 80 5.625 699.91 ORLANDO FL 32828 1 07/07/03 00 2583317 05 09/01/03 0 2583317 N 08/01/33 0 8962470 286/286 F 78,750.00 ZZ 360 78,507.94 4 5.875 465.84 75 5.625 465.84 KINGSLAND GA 31548 2 10/10/03 00 1425053 05 12/01/03 0 1425053 N 11/01/33 0 8962474 286/286 F 133,000.00 ZZ 360 132,686.83 1 7.250 907.30 62 7.000 907.30 PASADENA MD 21122 5 10/17/03 00 2760805 05 12/01/03 0 2760805 N 11/01/33 0 8962482 286/286 F 58,500.00 ZZ 360 58,355.28 1 7.000 389.21 90 6.750 389.21 PHILADELPHIA PA 19111 1 10/15/03 11 2850279 05 12/01/03 25 2850279 N 11/01/33 0 8962484 286/286 F 36,000.00 ZZ 360 35,850.72 1 1 7.000 239.51 90 6.750 239.51 TUCSON AZ 85713 1 08/27/03 04 2742515 05 10/01/03 25 2742515 N 09/01/33 0 8962488 286/286 F 92,500.00 ZZ 360 92,276.35 1 7.125 623.19 90 6.875 623.19 SANTA ANA CA 92701 1 10/06/03 12 2686914 01 12/01/03 25 2686914 N 11/01/33 0 8962494 286/286 F 58,400.00 ZZ 360 58,220.50 1 5.875 345.46 80 5.625 345.46 FARMERSVILLE OH 45325 5 10/15/03 00 2636458 05 12/01/03 0 2636458 N 11/01/33 0 8962498 286/286 F 31,500.00 ZZ 360 31,394.88 1 6.875 206.94 90 6.625 206.94 KANSAS CITY MO 64110 1 10/30/03 11 2822456 05 12/01/03 25 2822456 N 11/01/33 0 8962504 286/286 F 135,000.00 ZZ 360 134,649.33 1 6.750 875.61 90 6.500 875.61 HYATTSVILLE MD 20781 1 10/03/03 25 2796417 05 12/01/03 25 2796417 N 11/01/33 0 8962514 286/286 F 60,000.00 ZZ 360 58,765.79 1 6.250 369.44 62 6.000 369.44 LEHIGH ACRES FL 33936 2 04/28/03 00 2419185 05 06/01/03 0 1 2419185 N 05/01/33 0 8962518 286/286 F 115,000.00 ZZ 360 114,654.81 1 6.000 689.49 46 5.750 689.49 CONIFER CO 80433 5 10/06/03 00 2772691 05 12/01/03 0 2772691 N 11/01/33 0 8962526 286/286 F 281,900.00 ZZ 360 281,149.72 4 6.625 1,805.04 74 6.375 1,805.04 LONG BRANCH NJ 07740 1 10/14/03 00 2747741 05 12/01/03 0 2747741 N 11/01/33 0 8962530 286/286 F 75,915.00 ZZ 360 75,402.78 1 6.250 467.43 63 6.000 467.43 BLOOMINGTON IL 61704 2 06/17/03 00 2408950 05 08/01/03 0 2408950 N 07/01/33 0 8962536 286/286 F 110,000.00 ZZ 360 109,721.15 4 6.875 722.63 69 6.625 722.63 KINGSBURG CA 93631 5 10/03/03 00 2843322 05 12/01/03 0 2843322 N 11/01/33 0 8962540 286/286 F 149,395.00 ZZ 360 148,924.57 1 7.250 1,019.14 69 7.000 1,019.14 COLLEGE PARK MD 20740 5 10/03/03 00 2699025 05 11/01/03 0 2699025 N 10/01/33 0 1 8962542 286/286 F 94,400.00 ZZ 360 94,136.29 1 6.375 588.94 80 6.125 588.94 GARLAND TX 75042 2 10/17/03 00 2822007 05 12/01/03 0 2822007 N 11/01/33 0 8962544 286/286 F 227,500.00 ZZ 360 226,879.65 4 6.500 1,437.96 70 6.250 1,437.96 PHILADELPHIA PA 19146 5 10/10/03 00 2741955 05 12/01/03 0 2741955 N 11/01/33 0 8962548 286/286 F 240,000.00 ZZ 360 239,361.24 1 6.625 1,536.75 54 6.375 1,536.75 ARLINGTON VA 22207 5 10/07/03 00 2776976 05 12/01/03 0 2776976 N 11/01/33 0 8962550 286/286 F 210,000.00 ZZ 360 209,441.06 1 6.625 1,344.66 48 6.375 1,344.66 ARLINGTON VA 22207 5 10/07/03 00 2776982 05 12/01/03 0 2776982 N 11/01/33 0 8962552 286/286 F 60,000.00 ZZ 360 59,844.15 1 6.750 389.16 80 6.500 389.16 KANSAS CITY MO 64110 5 10/14/03 00 2851772 05 12/01/03 0 2851772 N 11/01/33 0 8962556 286/286 F 44,100.00 ZZ 360 43,982.62 1 6.625 282.38 74 6.375 282.38 1 SAINT LOUIS MO 63136 2 10/14/03 00 2616758 05 12/01/03 0 2616758 N 11/01/33 0 8962558 286/286 F 202,800.00 ZZ 360 200,946.23 1 6.000 1,215.89 67 5.750 1,215.89 CHULA VISTA CA 91910 2 04/24/03 00 2153658 01 06/01/03 0 2153658 N 05/01/33 0 8962560 286/286 F 184,500.00 ZZ 360 184,008.93 1 6.625 1,181.38 90 6.375 1,181.38 MORENO VALLEY CA 92557 1 10/06/03 12 2723663 05 12/01/03 25 2723663 N 11/01/33 0 8962562 286/286 F 351,200.00 ZZ 360 350,287.75 2 6.750 2,277.88 80 6.500 2,277.88 KINGSTON MA 02364 1 10/21/03 00 2787747 05 12/01/03 0 2787747 N 11/01/33 0 8962564 286/286 F 64,000.00 ZZ 360 63,836.94 1 6.875 420.44 80 6.625 420.44 DETROIT MI 48205 5 10/22/03 00 2597733 05 12/01/03 0 2597733 N 11/01/33 0 8962566 286/286 F 97,500.00 ZZ 360 97,234.14 1 6.500 616.27 59 6.250 616.27 KIHEI HI 96753 5 10/16/03 00 2845573 01 12/01/03 0 2845573 N 11/01/33 0 1 8962568 286/286 F 90,000.00 ZZ 360 89,617.58 1 6.875 591.24 35 6.625 591.24 HYATTSVILLE MD 20783 5 09/05/03 00 2737694 05 10/01/03 0 2737694 N 09/01/33 0 8962572 286/286 F 147,200.00 ZZ 360 145,777.15 1 6.250 906.34 72 6.000 906.34 TROY MI 48084 2 04/09/03 00 2153494 05 06/01/03 0 2153494 N 05/01/33 0 8962578 286/286 F 110,000.00 ZZ 360 109,685.25 1 6.250 677.29 65 6.000 677.29 SMYRNA GA 30080 5 10/15/03 00 2831295 05 12/01/03 0 2831295 N 11/01/33 0 8962582 286/286 F 110,000.00 ZZ 360 109,685.25 1 6.250 677.29 65 6.000 677.29 SMYRNA GA 30080 5 10/15/03 00 2831313 05 12/01/03 0 2831313 N 11/01/33 0 8962606 286/286 F 56,200.00 ZZ 360 56,027.25 1 5.875 332.45 70 5.625 332.45 SPRINGFIELD OH 45505 2 10/07/03 00 2451180 05 12/01/03 0 2451180 N 11/01/33 0 8962608 286/286 F 204,000.00 ZZ 360 203,256.31 2 1 6.500 1,289.42 72 6.250 1,289.42 WEST MILFORD NJ 07480 2 10/01/03 00 2357261 05 11/01/03 0 2357261 N 10/01/33 0 8962622 286/286 F 68,800.00 ZZ 360 68,607.79 1 6.375 429.23 80 6.125 429.23 SPOKANE WA 99207 2 10/09/03 00 2854937 05 12/01/03 0 2854937 N 11/01/33 0 8962624 286/286 F 136,500.00 ZZ 360 136,048.51 1 7.000 908.14 65 6.750 908.14 WASHINGTON DC 20017 5 10/10/03 00 2804388 05 11/01/03 0 2804388 N 10/01/33 0 8962626 286/286 F 90,000.00 ZZ 360 89,766.22 1 6.750 583.74 75 6.500 583.74 MIAMI FL 33176 1 10/13/03 00 2829155 01 12/01/03 0 2829155 N 11/01/33 0 8962628 286/286 F 130,950.00 ZZ 360 130,495.19 1 6.750 849.34 90 6.500 849.34 TEMPE AZ 85281 1 09/26/03 04 2802404 05 11/01/03 25 2802404 N 10/01/33 0 8962630 286/286 F 63,600.00 ZZ 360 63,426.57 1 6.500 402.00 80 6.250 402.00 TUCSON AZ 85711 1 10/01/03 00 2796081 05 12/01/03 0 1 2796081 N 11/01/33 0 8962632 286/286 F 77,600.00 ZZ 360 77,372.56 1 6.125 471.51 80 5.875 471.51 AIKEN SC 29801 1 10/24/03 00 2855725 05 12/01/03 0 2855725 N 11/01/33 0 8962634 286/286 F 71,900.00 ZZ 360 71,586.94 1 6.750 466.35 90 6.500 466.35 FORT WAYNE IN 46808 1 08/29/03 11 2695719 05 10/01/03 25 2695719 N 09/01/33 0 8962636 286/286 F 84,000.00 ZZ 360 83,606.79 2 6.375 524.06 80 6.125 524.06 TUCSON AZ 85716 5 08/07/03 00 2542105 05 10/01/03 0 2542105 N 09/01/33 0 8962640 286/286 F 120,500.00 ZZ 360 120,171.40 1 6.500 761.64 87 6.250 761.64 TEMPLE HILLS MD 20748 2 10/22/03 11 2653798 01 12/01/03 25 2653798 N 11/01/33 0 8962642 286/286 F 107,100.00 ZZ 360 106,821.81 1 6.750 694.65 90 6.500 694.65 APPLE VALLEY CA 92308 1 10/02/03 14 2816645 05 12/01/03 25 2816645 N 11/01/33 0 1 8962644 286/286 F 50,000.00 ZZ 360 49,844.64 1 6.375 311.94 53 6.125 311.94 REDDING CA 96003 5 11/05/03 00 2890567 05 12/01/03 0 2890567 N 11/01/33 0 8962646 286/286 F 39,900.00 ZZ 360 39,783.00 1 6.125 242.44 36 5.875 242.44 FERNLEY NV 89408 1 10/14/03 00 2509669 05 12/01/03 0 2509669 N 11/01/33 0 8962648 286/286 F 140,000.00 ZZ 360 138,023.56 4 6.375 873.42 43 6.125 873.42 MUNDELEIN IL 60060 2 10/31/03 00 2885479 05 01/01/04 0 2885479 N 12/01/33 0 8962652 286/286 F 112,500.00 ZZ 360 112,109.25 4 6.750 729.68 75 6.500 729.68 LORETTO MN 55357 1 09/02/03 00 2702302 05 11/01/03 0 2702302 N 10/01/33 0 8962654 286/286 F 55,000.00 ZZ 360 54,872.85 1 7.000 365.92 51 6.750 365.92 PHOENIX AZ 85041 5 11/07/03 00 2858486 05 01/01/04 0 2858486 N 12/01/33 0 8962656 286/286 F 273,000.00 ZZ 360 272,255.50 1 6.500 1,725.55 64 6.250 1,725.55 1 SAN FRANCISCO CA 94124 1 10/01/03 00 2837589 05 12/01/03 0 2837589 N 11/01/33 0 8962658 286/286 F 53,100.00 ZZ 360 52,960.88 1 6.875 348.83 90 6.625 348.83 MONROE MI 48161 1 10/09/03 11 2795243 05 12/01/03 25 2795243 N 11/01/33 0 8962660 286/286 F 49,500.00 ZZ 360 49,374.53 2 6.875 325.18 90 6.625 325.18 INDIANAPOLIS IN 46208 1 10/23/03 14 2838459 05 12/01/03 25 2838459 N 11/01/33 0 8962662 286/286 F 67,850.00 ZZ 360 67,686.25 1 7.125 457.12 90 6.875 457.12 BOISE ID 83705 1 10/29/03 11 2860248 05 12/01/03 25 2860248 N 11/01/33 0 8962664 286/286 F 36,000.00 ZZ 360 35,906.48 1 6.750 233.50 80 6.500 233.50 MUNCIE IN 47303 5 10/09/03 00 2834109 05 12/01/03 0 2834109 N 11/01/33 0 8962668 286/286 F 60,900.00 ZZ 360 60,733.95 1 6.500 384.93 70 6.250 384.93 RICHLAND WA 99352 5 10/16/03 00 2219349 05 12/01/03 0 2219349 N 11/01/33 0 1 8962670 286/286 F 172,000.00 ZZ 360 171,402.63 1 6.750 1,115.59 79 6.500 1,115.59 STOCKTON CA 95209 1 09/25/03 00 2818231 05 11/01/03 0 2818231 N 10/01/33 0 8962672 286/286 F 150,400.00 ZZ 360 150,009.31 1 6.750 975.50 80 6.500 975.50 STOCKTON CA 95207 1 10/08/03 00 2818240 05 12/01/03 0 2818240 N 11/01/33 0 8962674 286/286 F 135,600.00 ZZ 360 135,260.35 1 7.000 902.16 80 6.750 902.16 STOCKTON CA 95204 2 10/21/03 00 2839512 05 12/01/03 0 2839512 N 11/01/33 0 8962676 286/286 F 102,000.00 ZZ 360 101,706.60 1 6.250 628.04 60 6.000 628.04 SAN BERNARDINO CA 92404 2 10/13/03 00 2422562 05 12/01/03 0 2422562 N 11/01/33 0 8962678 286/286 F 105,000.00 ZZ 360 104,699.53 1 6.250 646.51 50 6.000 646.51 HIGHLAND CA 92346 5 10/16/03 00 2607644 05 12/01/03 0 2607644 N 11/01/33 0 8962680 286/286 F 287,100.00 ZZ 360 286,389.86 1 1 7.000 1,910.09 90 6.750 1,910.09 ONTARIO CA 91762 1 10/08/03 14 2830867 05 12/01/03 25 2830867 N 11/01/33 0 8962682 286/286 F 84,450.00 ZZ 360 83,708.34 1 6.250 519.98 52 6.000 519.98 TEMPE AZ 85283 5 10/09/03 00 2845260 05 12/01/03 0 2845260 N 11/01/33 0 8962684 286/286 F 58,700.00 ZZ 360 58,532.03 2 6.250 361.43 66 6.000 361.43 PHOENIX AZ 85008 5 10/09/03 00 2845275 05 12/01/03 0 2845275 N 11/01/33 0 8962686 286/286 F 64,000.00 ZZ 360 63,783.06 1 6.875 420.44 80 6.625 420.44 INDIANAPOLIS IN 46268 1 09/26/03 00 2792816 05 11/01/03 0 2792816 N 10/01/33 0 8962688 286/286 F 38,700.00 ZZ 360 38,565.03 1 7.250 264.01 90 7.000 264.01 PETERSBURG VA 23803 1 09/15/03 04 2714350 05 11/01/03 25 2714350 N 10/01/33 0 8962690 286/286 F 87,500.00 ZZ 360 86,669.32 1 6.750 567.53 65 6.500 567.53 DAYTON NV 89403 1 10/16/03 00 2798520 05 12/01/03 0 1 2798520 N 11/01/33 0 8962692 286/286 F 44,800.00 ZZ 360 44,456.60 1 6.875 294.31 80 6.625 294.31 MUNCIE IN 47302 5 10/01/03 00 2816315 05 11/01/03 0 2816315 N 10/01/33 0 8962698 286/286 F 115,650.00 ZZ 360 115,334.64 1 6.500 730.99 90 6.250 730.99 EL PASO TX 79936 1 10/30/03 25 2879136 05 12/01/03 30 2879136 N 11/01/33 0 8962702 286/286 F 61,110.00 ZZ 360 60,949.82 1 6.875 401.45 90 6.625 401.45 INDIANAPOLIS IN 46221 1 10/08/03 14 2825124 05 12/01/03 25 2825124 N 11/01/33 0 8962704 286/286 F 300,000.00 ZZ 360 299,442.80 1 6.375 1,871.61 57 6.125 1,871.61 EL CAJON CA 92021 2 10/31/03 00 2371497 05 01/01/04 0 2371497 N 12/01/33 0 8962708 286/286 F 40,500.00 ZZ 360 40,397.33 2 6.875 266.06 90 6.625 266.06 TRAFFORD PA 15085 1 10/20/03 11 2815319 05 12/01/03 25 2815319 N 11/01/33 0 1 8962710 286/286 F 80,600.00 ZZ 360 80,352.26 1 5.875 476.78 19 5.625 476.78 SUNNYVALE CA 94085 2 10/02/03 00 2586571 05 12/01/03 0 2586571 N 11/01/33 0 8962712 286/286 F 116,800.00 ZZ 360 116,496.59 1 6.750 757.57 80 6.500 757.57 OLIVE BRANCH MS 38654 2 10/31/03 00 2844165 05 12/01/03 0 2844165 N 11/01/33 0 8962716 286/286 F 138,450.00 ZZ 360 138,090.36 2 6.750 897.99 78 6.500 897.99 RENO NV 89503 5 09/30/03 00 2671322 05 12/01/03 0 2671322 N 11/01/33 0 8962718 286/286 F 52,000.00 ZZ 360 51,868.17 1 6.875 341.61 80 6.625 341.61 INDIANAPOLIS IN 46203 2 10/14/03 00 2843936 05 12/01/03 0 2843936 N 11/01/33 0 8962720 286/286 F 52,000.00 ZZ 360 51,868.17 1 6.875 341.61 80 6.625 341.61 INDIANAPOLIS IN 46201 2 10/14/03 00 2843952 05 12/01/03 0 2843952 N 11/01/33 0 8962726 286/286 F 66,400.00 ZZ 360 66,285.34 1 6.750 430.67 80 6.500 430.67 1 INDIANAPOLIS IN 46201 2 11/05/03 00 2893408 05 01/01/04 0 2893408 N 12/01/33 0 8962728 286/286 F 184,500.00 ZZ 360 184,065.59 2 7.250 1,258.62 90 7.000 1,258.62 BRIDGEPORT CT 06606 1 10/31/03 14 2803212 05 12/01/03 25 2803212 N 11/01/33 0 8962730 286/286 F 140,000.00 ZZ 360 139,713.82 1 5.875 828.16 27 5.625 828.16 LA MESA CA 91941 5 10/30/03 00 2854512 05 01/01/04 0 2854512 N 12/01/33 0 8962732 286/286 F 76,500.00 ZZ 360 76,306.05 1 6.875 502.56 90 6.625 502.56 GRANTSVILLE UT 84029 1 10/10/03 14 2832794 05 12/01/03 25 2832794 N 11/01/33 0 8962734 286/286 F 60,660.00 ZZ 360 60,502.43 1 6.750 393.44 80 6.500 393.44 GARLAND TX 75044 1 10/24/03 00 2838154 05 12/01/03 0 2838154 N 11/01/33 0 8962738 286/286 F 130,500.00 ZZ 360 130,274.63 1 6.750 846.43 90 6.500 846.43 TACOMA WA 98444 1 11/04/03 11 2874890 05 01/01/04 25 2874890 N 12/01/33 0 1 8962740 286/286 F 159,750.00 ZZ 360 159,314.39 1 6.500 1,009.73 90 6.250 1,009.73 REDDING CA 96002 1 10/13/03 25 2785359 05 12/01/03 25 2785359 N 11/01/33 0 8962742 286/286 F 124,800.00 ZZ 360 124,467.84 1 6.625 799.11 80 6.375 799.11 SPOKANE WA 99216 1 10/30/03 00 2874247 05 12/01/03 0 2874247 N 11/01/33 0 8962746 286/286 F 109,000.00 ZZ 360 108,774.89 3 6.000 653.52 23 5.750 653.52 GLENDALE CA 91204 2 10/30/03 00 2888093 05 01/01/04 0 2888093 N 12/01/33 0 8962748 286/286 F 37,650.00 ZZ 360 37,547.32 1 6.500 237.98 52 6.250 237.98 COLUMBIA MD 21045 2 10/30/03 00 2868886 01 12/01/03 0 2868886 N 11/01/33 0 8962750 286/286 F 43,500.00 ZZ 360 43,381.39 1 6.500 274.95 46 6.250 274.95 COLUMBIA MD 21045 2 10/30/03 00 2868890 01 12/01/03 0 2868890 N 11/01/33 0 8962752 286/286 F 52,600.00 ZZ 360 52,456.57 1 1 6.500 332.47 52 6.250 332.47 COLUMBIA MD 21045 2 10/30/03 00 2868893 01 12/01/03 0 2868893 N 11/01/33 0 8962756 286/286 F 260,000.00 ZZ 360 259,219.60 2 6.000 1,558.84 73 5.750 1,558.84 HIGHWOOD IL 60040 1 10/22/03 00 2816697 05 12/01/03 0 2816697 N 11/01/33 0 8962758 286/286 F 50,800.00 ZZ 360 50,671.23 1 6.875 333.72 80 6.625 333.72 INDIANAPOLIS IN 46221 2 10/22/03 00 2864163 05 12/01/03 0 2864163 N 11/01/33 0 8962760 286/286 F 55,200.00 ZZ 360 55,060.06 1 6.875 362.63 80 6.625 362.63 INDIANAPOLIS IN 46201 2 10/22/03 00 2864164 05 12/01/03 0 2864164 N 11/01/33 0 8962762 286/286 F 52,400.00 ZZ 360 52,267.15 1 6.875 344.24 80 6.625 344.24 INDIANAPOLIS IN 46203 2 10/22/03 00 2864167 05 12/01/03 0 2864167 N 11/01/33 0 8962764 286/286 F 50,000.00 ZZ 360 49,909.34 1 6.500 316.04 59 6.250 316.04 WEED CA 96094 5 10/31/03 00 2872638 05 01/01/04 0 1 2872638 N 12/01/33 0 8962766 286/286 F 138,675.00 ZZ 360 138,248.75 1 5.875 820.32 75 5.625 820.32 YUBA CITY CA 95991 1 11/04/03 00 2837877 05 12/01/03 0 2837877 N 11/01/33 0 8962768 286/286 F 134,175.00 ZZ 360 133,772.28 1 6.000 804.45 75 5.750 804.45 YUBA CITY CA 95991 1 10/22/03 00 2837906 05 12/01/03 0 2837906 N 11/01/33 0 8962770 286/286 F 40,000.00 ZZ 360 39,867.66 1 6.875 262.78 34 6.625 262.78 LAKE ELSINORE CA 92530 5 10/09/03 00 2838466 05 12/01/03 0 2838466 N 11/01/33 0 8962774 286/286 F 191,000.00 ZZ 360 190,426.69 1 6.000 1,145.15 75 5.750 1,145.15 ANTELOPE CA 95843 5 10/16/03 00 2802715 05 12/01/03 0 2802715 N 11/01/33 0 8962776 286/286 F 210,000.00 ZZ 360 152,504.19 2 6.750 1,362.06 75 6.500 1,362.06 BOZEMAN MT 59718 1 10/09/03 00 2761476 05 12/01/03 0 2761476 N 11/01/33 0 1 8962778 286/286 F 99,375.00 ZZ 360 99,134.26 1 6.500 628.12 75 6.250 628.12 LACEY WA 98503 2 10/30/03 00 2841244 05 01/01/04 0 2841244 N 12/01/33 0 8962780 286/286 F 75,900.00 ZZ 360 75,716.81 1 7.125 511.36 80 6.875 511.36 RICHMOND VA 23225 1 10/06/03 00 2754805 05 12/01/03 0 2754805 N 11/01/33 0 8962782 286/286 F 167,750.00 ZZ 360 167,138.44 3 6.500 1,060.30 53 6.250 1,060.30 WORCESTER MA 01606 5 09/30/03 00 2750923 05 11/01/03 0 2750923 N 10/01/33 0 8962784 286/286 F 165,000.00 ZZ 360 164,571.41 1 6.750 1,070.19 51 6.500 1,070.19 AMESBURY MA 01913 5 10/31/03 00 2866531 05 12/01/03 0 2866531 N 11/01/33 0 8962786 286/286 F 206,250.00 ZZ 360 205,714.25 1 6.750 1,337.74 52 6.500 1,337.74 NEWBURYPORT MA 01950 5 10/31/03 00 2866536 05 12/01/03 0 2866536 N 11/01/33 0 8962806 286/286 F 36,000.00 ZZ 360 35,939.33 1 6.875 236.50 80 6.625 236.50 1 BETHLEHEM PA 18015 5 11/10/03 00 2883492 05 01/01/04 0 2883492 N 12/01/33 0 8962812 286/286 F 48,400.00 ZZ 360 48,204.47 2 6.750 313.93 75 6.500 313.93 FORT WAYNE IN 46805 5 09/30/03 00 2800260 05 11/01/03 0 2800260 N 10/01/33 0 8962814 286/286 F 80,000.00 ZZ 360 79,791.95 2 6.750 518.88 23 6.500 518.88 CUMBERLAND RI 02864 5 10/16/03 00 2841483 05 12/01/03 0 2841483 N 11/01/33 0 8962816 286/286 F 157,600.00 ZZ 360 157,126.95 1 6.000 944.90 80 5.750 944.90 REDDING CA 96003 1 10/31/03 00 2852210 05 12/01/03 0 2852210 N 11/01/33 0 8962820 286/286 F 157,500.00 ZZ 360 157,027.25 2 6.000 944.30 75 5.750 944.30 SPOKANE WA 99208 1 10/22/03 00 2807390 05 12/01/03 0 2807390 N 11/01/33 0 8962822 286/286 F 80,000.00 ZZ 360 79,776.52 1 6.375 499.10 80 6.125 499.10 LANCASTER CA 93535 1 10/03/03 00 2825391 05 12/01/03 0 2825391 N 11/01/33 0 1 8962824 286/286 F 139,000.00 ZZ 360 138,602.26 2 6.250 855.85 60 6.000 855.85 GIG HARBOR WA 98335 5 10/28/03 00 2865876 05 12/01/03 0 2865876 N 11/01/33 0 8962832 286/286 F 125,600.00 ZZ 360 125,094.83 1 7.000 835.62 80 6.750 835.62 VALLEJO CA 94590 1 10/01/03 00 2833866 01 12/01/03 0 2833866 N 11/01/33 0 8962834 286/286 F 178,750.00 ZZ 360 178,262.56 1 6.500 1,129.83 65 6.250 1,129.83 RICHMOND CA 94804 5 10/03/03 00 2830705 05 12/01/03 0 2830705 N 11/01/33 0 8962836 286/286 F 100,000.00 ZZ 360 99,740.25 1 6.750 648.60 69 6.500 648.60 SAN JACINTO CA 92583 5 10/29/03 00 2790342 05 12/01/03 0 2790342 N 11/01/33 0 8962838 286/286 F 71,000.00 ZZ 360 70,794.88 4 6.875 466.42 13 6.625 466.42 SAN DIEGO CA 92104 5 10/22/03 00 2881386 05 12/01/03 0 2881386 N 11/01/33 0 8962844 286/286 F 104,000.00 ZZ 360 103,748.77 1 1 7.125 700.67 80 6.875 700.67 PORTLAND OR 97215 1 10/03/03 00 2826903 05 12/01/03 0 2826903 N 11/01/33 0 8962846 286/286 F 209,925.00 ZZ 360 209,379.72 1 6.750 1,361.57 75 6.500 1,361.57 SKOKIE IL 60076 1 10/30/03 00 2872606 05 12/01/03 0 2872606 N 11/01/33 0 8962848 286/286 F 195,000.00 ZZ 360 194,442.02 1 6.250 1,200.65 75 6.000 1,200.65 METAIRIE LA 70001 1 10/24/03 00 2824227 05 12/01/03 0 2824227 N 11/01/33 0 8962850 286/286 F 90,000.00 ZZ 360 89,694.94 2 6.875 591.24 90 6.625 591.24 NORFOLK VA 23505 1 10/02/03 25 2761626 05 11/01/03 25 2761626 N 10/01/33 0 8962854 286/286 F 132,000.00 ZZ 360 131,673.50 1 7.000 878.20 80 6.750 878.20 RENO NV 89523 1 10/15/03 00 2839170 05 12/01/03 0 2839170 N 11/01/33 0 8962856 286/286 F 270,000.00 ZZ 360 269,214.44 4 6.375 1,684.45 75 6.125 1,684.45 LYNWOOD CA 90262 1 10/19/03 00 2852011 05 12/01/03 0 1 2852011 N 11/01/33 0 8962858 286/286 F 70,000.00 ZZ 360 69,839.20 1 7.375 483.48 51 7.125 483.48 HAMMONTON NJ 08037 1 10/10/03 00 2795195 01 12/01/03 0 2795195 N 11/01/33 0 8962860 286/286 F 156,000.00 ZZ 360 155,604.56 1 6.875 1,024.81 80 6.625 1,024.81 SAINT PAUL MN 55106 5 10/21/03 00 2855445 05 12/01/03 0 2855445 N 11/01/33 0 8962864 286/286 F 222,000.00 ZZ 360 221,394.63 1 6.500 1,403.20 80 6.250 1,403.20 ARLETA AREA CA 91331 1 10/07/03 00 2794646 05 12/01/03 0 2794646 N 11/01/33 0 8962866 286/286 F 322,700.00 ZZ 360 321,861.77 1 6.750 2,093.03 80 6.500 2,093.03 LIVERMORE CA 94550 1 10/02/03 00 2830003 05 12/01/03 0 2830003 N 11/01/33 0 8962868 286/286 F 69,600.00 ZZ 360 69,423.55 1 6.875 457.23 80 6.625 457.23 TALLAHASSEE FL 32311 1 10/24/03 00 2867432 03 12/01/03 0 2867432 N 11/01/33 0 1 8962874 286/286 F 270,000.00 ZZ 360 269,315.60 1 6.875 1,773.71 80 6.625 1,773.71 TEMECULA CA 92592 1 10/03/03 00 2532077 05 12/01/03 0 2532077 N 11/01/33 0 8962876 286/286 F 158,500.00 ZZ 360 158,067.81 1 6.500 1,001.83 74 6.250 1,001.83 RENO NV 89521 2 10/27/03 00 2841745 05 12/01/03 0 2841745 N 11/01/33 0 8962878 286/286 F 43,000.00 ZZ 360 42,888.31 1 6.750 278.90 80 6.500 278.90 MUNCIE IN 47304 2 11/03/03 00 2788676 05 12/01/03 0 2788676 N 11/01/33 0 8962880 286/286 F 36,500.00 ZZ 360 36,371.81 1 6.750 236.74 78 6.500 236.74 EATON IN 47338 2 11/03/03 00 2788736 05 12/01/03 0 2788736 N 11/01/33 0 8962882 286/286 F 129,600.00 ZZ 360 129,252.72 2 6.750 840.59 90 6.500 840.59 NORFOLK VA 23518 1 10/27/03 25 2865035 05 12/01/03 25 2865035 N 11/01/33 0 8962884 286/286 F 129,600.00 ZZ 360 129,263.34 2 6.750 840.59 90 6.500 840.59 1 NORFOLK VA 23518 1 10/27/03 25 2865037 05 12/01/03 25 2865037 N 11/01/33 0 8962886 286/286 F 360,000.00 ZZ 360 358,622.68 2 6.250 2,216.59 75 6.000 2,216.59 OAKLAND CA 94602 5 09/12/03 00 2745628 05 11/01/03 0 2745628 N 10/01/33 0 8962888 286/286 F 138,375.00 ZZ 360 137,696.04 1 6.500 874.63 75 6.250 874.63 FLAGSTAFF AZ 86001 1 10/16/03 00 2815218 05 12/01/03 0 2815218 N 11/01/33 0 8962890 286/286 F 176,250.00 ZZ 360 175,720.98 4 6.000 1,056.71 75 5.750 1,056.71 SALT LAKE CITY UT 84115 2 10/14/03 00 2815012 05 12/01/03 0 2815012 N 11/01/33 0 8962892 286/286 F 108,750.00 ZZ 360 107,971.35 1 6.875 714.42 75 6.625 714.42 ROCKVILLE MD 20852 1 09/18/03 00 2790730 01 11/01/03 0 2790730 N 10/01/33 0 8962896 286/286 F 322,700.00 ZZ 360 321,798.57 1 6.375 2,013.23 61 6.125 2,013.23 SANTA CRUZ CA 95060 1 10/23/03 00 2816007 05 12/01/03 0 2816007 N 11/01/33 0 1 8962900 286/286 F 202,900.00 ZZ 360 202,085.97 1 6.000 1,216.49 61 5.750 1,216.49 W ROXBURY MA 02132 5 09/30/03 00 2839133 05 11/01/03 0 2839133 N 10/01/33 0 8962902 286/286 F 200,000.00 ZZ 360 199,289.36 1 6.250 1,231.44 67 6.000 1,231.44 NEVADA CITY CA 95959 5 10/16/03 00 2851703 05 12/01/03 0 2851703 N 11/01/33 0 8962904 286/286 F 241,000.00 ZZ 360 240,183.13 1 6.875 1,583.20 48 6.625 1,583.20 SAN FRANCISCO CA 94122 5 09/17/03 00 2779095 05 11/01/03 0 2779095 N 10/01/33 0 8962908 286/286 F 228,000.00 ZZ 360 227,245.87 1 7.000 1,516.89 80 6.750 1,516.89 WALDORF MD 20601 1 09/16/03 00 2784848 05 11/01/03 0 2784848 N 10/01/33 0 8962910 286/286 F 107,000.00 ZZ 360 105,979.70 1 7.000 711.88 80 6.750 711.88 OLYMPIA WA 98513 1 10/24/03 00 2516240 05 12/01/03 0 2516240 N 11/01/33 0 8962912 286/286 F 210,000.00 ZZ 360 209,369.51 1 1 6.000 1,259.06 34 5.750 1,259.06 SANTA MONICA CA 90405 2 10/02/03 00 2828644 05 12/01/03 0 2828644 N 11/01/33 0 8962914 286/286 F 188,100.00 ZZ 360 187,478.59 1 6.625 1,204.43 90 6.375 1,204.43 RENO NV 89503 1 10/13/03 14 2841831 05 12/01/03 25 2841831 N 11/01/33 0 8962916 286/286 F 144,000.00 ZZ 360 143,449.15 1 6.250 886.64 62 6.000 886.64 FRANKLIN NJ 08873 2 09/12/03 00 2645070 05 11/01/03 0 2645070 N 10/01/33 0 8962920 286/286 F 140,000.00 ZZ 360 139,524.97 1 6.875 919.71 80 6.625 919.71 GARDNERVILLE NV 89460 1 09/17/03 00 2763908 05 11/01/03 0 2763908 N 10/01/33 0 8962922 286/286 F 97,832.00 ZZ 360 97,389.69 1 6.875 642.69 80 6.625 642.69 DAYTON NV 89403 1 10/28/03 00 2517166 05 12/01/03 0 2517166 N 11/01/33 0 8962924 286/286 F 183,200.00 ZZ 360 182,735.59 1 6.875 1,203.50 80 6.625 1,203.50 MODESTO CA 95350 1 10/29/03 00 2846477 05 12/01/03 0 1 2846477 N 11/01/33 0 8962928 286/286 F 94,000.00 ZZ 360 93,761.70 1 6.875 617.52 80 6.625 617.52 BALTIMORE MD 21211 1 10/24/03 00 2826731 05 12/01/03 0 2826731 N 11/01/33 0 8962934 286/286 F 113,000.00 ZZ 360 112,687.08 1 6.750 732.92 56 6.500 732.92 PERRIS CA 92571 1 10/01/03 00 2803248 05 12/01/03 0 2803248 N 11/01/33 0 8962938 286/286 F 43,400.00 ZZ 360 43,289.73 1 6.875 285.11 70 6.625 285.11 SOUTH BEND IN 46628 5 10/08/03 00 2829039 05 12/01/03 0 2829039 N 11/01/33 0 8962942 286/286 F 121,600.00 ZZ 360 121,276.36 1 6.625 778.62 80 6.375 778.62 N PROVIDENCE RI 02904 1 10/28/03 00 2867781 05 12/01/03 0 2867781 N 11/01/33 0 8962946 286/286 F 280,000.00 ZZ 360 279,217.84 1 6.375 1,746.84 69 6.125 1,746.84 ESCONDIDO CA 92027 1 10/29/03 00 2816361 05 12/01/03 0 2816361 N 11/01/33 0 1 8962954 286/286 F 100,000.00 ZZ 360 99,814.27 1 6.375 623.87 65 6.125 623.87 LEHI UT 84043 5 11/12/03 00 2877296 05 01/01/04 0 2877296 N 12/01/33 0 8962956 286/286 F 102,950.00 ZZ 360 102,763.35 1 6.500 650.72 90 6.250 650.72 BAKERSFIELD CA 93307 1 11/03/03 11 2896157 03 01/01/04 25 2896157 N 12/01/33 0 8962958 286/286 F 45,000.00 ZZ 360 44,874.27 1 6.375 280.75 48 6.125 280.75 ANGEL FIRE NM 87710 5 10/01/03 00 2767753 01 12/01/03 0 2767753 N 11/01/33 0 8962962 286/286 F 57,600.00 ZZ 360 57,453.96 1 6.875 378.40 80 6.625 378.40 ORLANDO FL 32822 1 10/24/03 00 2870028 01 12/01/03 0 2870028 N 11/01/33 0 8962964 286/286 F 117,000.00 ZZ 360 116,696.10 1 6.750 758.86 58 6.500 758.86 SACRAMENTO CA 95838 2 10/06/03 00 2834000 05 12/01/03 0 2834000 N 11/01/33 0 8962966 286/286 F 131,850.00 ZZ 360 131,377.91 1 6.875 866.17 90 6.625 866.17 1 MECHANICSVILLE VA 23111 1 09/29/03 14 2758044 05 11/01/03 25 2758044 N 10/01/33 0 8962968 286/286 F 32,500.00 ZZ 360 32,423.47 1 7.250 221.71 65 7.000 221.71 ANDERSON IN 46016 2 10/03/03 00 2809032 05 12/01/03 0 2809032 N 11/01/33 0 8962974 286/286 F 132,800.00 ZZ 360 132,338.77 1 6.750 861.34 80 6.500 861.34 RENO NV 89502 1 09/16/03 00 2755071 05 11/01/03 0 2755071 N 10/01/33 0 8962976 286/286 F 109,000.00 ZZ 360 108,672.81 1 6.000 653.52 56 5.750 653.52 ALEXANDRIA VA 22309 2 10/24/03 00 2821030 03 12/01/03 0 2821030 N 11/01/33 0 8962978 286/286 F 69,300.00 ZZ 360 69,111.02 1 6.500 438.03 70 6.250 438.03 CLARKSTON WA 99403 1 10/27/03 00 2718147 05 12/01/03 0 2718147 N 11/01/33 0 8962980 286/286 F 110,000.00 ZZ 360 109,589.20 1 6.375 686.26 53 6.125 686.26 RENO NV 89509 1 09/19/03 00 2773382 01 11/01/03 0 2773382 N 10/01/33 0 1 8962982 286/286 F 150,000.00 ZZ 360 149,503.84 4 7.000 997.96 50 6.750 997.96 REDDING CA 96003 5 09/22/03 00 2806031 05 11/01/03 0 2806031 N 10/01/33 0 8962984 286/286 F 150,000.00 ZZ 360 149,503.84 4 7.000 997.96 50 6.750 997.96 REDDING CA 96003 5 09/17/03 00 2806058 05 11/01/03 0 2806058 N 10/01/33 0 8962986 286/286 F 171,000.00 ZZ 360 170,566.54 4 6.875 1,123.35 60 6.625 1,123.35 ANDERSON CA 96007 5 10/15/03 00 2870190 05 12/01/03 0 2870190 N 11/01/33 0 8962988 286/286 F 104,300.00 ZZ 360 103,971.58 1 7.250 711.51 90 7.000 711.51 VIOLA DE 19979 1 10/03/03 14 2763841 05 11/01/03 25 2763841 N 10/01/33 0 8962992 286/286 F 138,600.00 ZZ 360 138,141.57 1 7.000 922.11 90 6.750 922.11 RENO NV 89503 1 09/15/03 04 2801385 05 11/01/03 25 2801385 N 10/01/33 0 8962994 286/286 F 188,000.00 ZZ 360 187,511.65 1 1 6.750 1,219.37 80 6.500 1,219.37 RENO NV 89523 1 10/29/03 00 2879821 05 12/01/03 0 2879821 N 11/01/33 0 8962998 286/286 F 77,000.00 ZZ 360 76,779.65 1 6.250 474.11 43 6.000 474.11 MODESTO CA 95354 1 10/01/03 00 2770155 05 12/01/03 0 2770155 N 11/01/33 0 8963000 286/286 F 71,250.00 ZZ 360 71,055.72 1 6.500 450.35 75 6.250 450.35 TOOELE UT 84074 2 10/17/03 00 2825511 05 12/01/03 0 2825511 N 11/01/33 0 8963002 286/286 F 220,000.00 ZZ 360 219,414.45 1 6.625 1,408.69 80 6.375 1,408.69 LA QUINTA CA 92253 1 10/16/03 00 2804541 05 12/01/03 0 2804541 N 11/01/33 0 8963006 286/286 F 322,700.00 ZZ 360 320,989.73 1 6.875 2,119.91 24 6.625 2,119.91 MONTE SERENO CA 95030 5 08/21/03 00 2701996 05 10/01/03 0 2701996 N 09/01/33 0 8963008 286/286 F 112,000.00 ZZ 360 111,815.85 2 7.000 745.14 80 6.750 745.14 BALTIMORE MD 21231 1 11/07/03 00 2740742 05 01/01/04 0 1 2740742 N 12/01/33 0 8963012 286/286 F 100,000.00 ZZ 360 99,492.62 1 5.875 591.54 35 5.625 591.54 NAPA CA 94558 5 10/29/03 00 2852021 05 12/01/03 0 2852021 N 11/01/33 0 8963016 286/286 F 150,000.00 ZZ 360 149,412.34 1 6.125 911.42 80 5.875 911.42 BIG BEAR CITY CA 92314 1 09/23/03 00 2824700 05 11/01/03 0 2824700 N 10/01/33 0 8963018 286/286 F 125,000.00 ZZ 360 124,636.42 1 6.375 779.84 63 6.125 779.84 STOCKTON CA 95210 5 10/27/03 00 2732478 05 12/01/03 0 2732478 N 11/01/33 0 8963020 286/286 F 75,000.00 ZZ 360 74,780.19 1 6.125 455.71 45 5.875 455.71 MOUNT SHASTA CA 96067 5 10/23/03 00 2848396 05 12/01/03 0 2848396 N 11/01/33 0 8963022 286/286 F 90,000.00 ZZ 360 89,736.24 1 6.125 546.85 67 5.875 546.85 WEED CA 96094 5 10/23/03 00 2851729 05 12/01/03 0 2851729 N 11/01/33 0 1 8963024 286/286 F 75,000.00 ZZ 360 74,702.15 1 5.875 443.66 29 5.625 443.66 PAIA HI 96779 5 10/13/03 00 2814210 05 12/01/03 0 2814210 N 11/01/33 0 8963026 286/286 F 216,800.00 ZZ 360 216,222.98 2 6.625 1,388.20 80 6.375 1,388.20 BALTIMORE MD 21230 1 10/23/03 00 2836009 05 12/01/03 0 2836009 N 11/01/33 0 8963028 286/286 F 119,100.00 ZZ 360 118,798.07 1 6.875 782.41 80 6.625 782.41 GOLD CANYON AZ 85218 1 10/21/03 00 2844886 05 12/01/03 0 2844886 N 11/01/33 0 8963030 286/286 F 75,000.00 ZZ 360 74,785.38 1 6.250 461.79 67 6.000 461.79 HILLSBOROUGH NJ 08844 2 10/31/03 00 2880767 01 12/01/03 0 2880767 N 11/01/33 0 8963032 286/286 F 169,600.00 ZZ 360 169,078.71 1 5.875 1,003.25 80 5.625 1,003.25 CARSON CITY NV 89701 5 10/16/03 00 2832953 05 12/01/03 0 2832953 N 11/01/33 0 8963034 286/286 F 71,250.00 ZZ 360 70,970.84 3 6.125 432.93 75 5.875 432.93 1 ALBUQUERQUE NM 87102 1 09/24/03 00 2815696 05 11/01/03 0 2815696 N 10/01/33 0 8963036 286/286 F 95,600.00 ZZ 360 95,426.68 1 6.500 604.26 80 6.250 604.26 PORTLAND OR 97218 1 11/14/03 00 2918768 05 01/01/04 0 2918768 N 12/01/33 0 8963040 286/286 F 37,800.00 ZZ 360 37,665.25 2 7.000 251.49 90 6.750 251.49 PITTSBURGH PA 15208 1 09/30/03 25 2792563 05 11/01/03 25 2792563 N 10/01/33 0 8963044 286/286 F 62,000.00 ZZ 360 61,809.41 1 5.875 366.76 69 5.625 366.76 VALLEJO CA 94589 5 10/02/03 00 2611642 05 12/01/03 0 2611642 N 11/01/33 0 8963046 286/286 F 234,000.00 ZZ 360 233,280.76 2 5.875 1,384.20 70 5.625 1,384.20 OAKLAND CA 94621 5 10/02/03 00 2611732 05 12/01/03 0 2611732 N 11/01/33 0 8963048 286/286 F 156,000.00 ZZ 360 155,520.51 1 5.875 922.80 67 5.625 922.80 RICHMOND CA 94801 5 10/03/03 00 2611857 05 12/01/03 0 2611857 N 11/01/33 0 1 8963050 286/286 F 60,800.00 ZZ 360 60,638.18 1 6.625 389.31 80 6.375 389.31 PRAIRIEVILLE LA 70769 1 10/09/03 00 2839023 05 12/01/03 0 2839023 N 11/01/33 0 8963052 286/286 F 54,750.00 ZZ 360 54,662.16 1 7.125 368.86 75 6.875 368.86 CEDAR HILL TX 75104 5 11/07/03 00 2878436 05 01/01/04 0 2878436 N 12/01/33 0 8963058 286/286 F 96,900.00 ZZ 360 96,609.14 1 6.000 580.97 22 5.750 580.97 SAN DIEGO CA 92110 2 09/30/03 00 2566789 05 12/01/03 0 2566789 N 11/01/33 0 8963060 286/286 F 201,750.00 ZZ 360 201,130.24 3 7.375 1,393.44 75 7.125 1,393.44 PATERSON NJ 07524 1 09/24/03 00 2737240 05 11/01/03 0 2737240 N 10/01/33 0 8963062 286/286 F 150,000.00 ZZ 360 147,418.52 2 6.375 935.81 75 6.125 935.81 EAST ORANGE NJ 07017 5 09/15/03 00 2693345 05 11/01/03 0 2693345 N 10/01/33 0 8963064 286/286 F 68,000.00 ZZ 360 67,814.57 2 1 6.500 429.81 80 6.250 429.81 OGDEN UT 84401 1 10/28/03 00 2811084 05 12/01/03 0 2811084 N 11/01/33 0 8963066 286/286 F 94,400.00 ZZ 360 94,142.57 2 6.500 596.68 80 6.250 596.68 BOARDMAN OR 97838 2 10/17/03 00 2787727 05 12/01/03 0 2787727 N 11/01/33 0 8963068 286/286 F 73,800.00 ZZ 360 73,626.24 1 7.250 503.45 90 7.000 503.45 JACKSONVILLE FL 32208 1 10/15/03 19 2854228 05 12/01/03 25 2854228 N 11/01/33 0 8963070 286/286 F 70,000.00 ZZ 360 69,879.12 1 6.750 454.02 60 6.500 454.02 PORT ORCHARD WA 98366 1 11/11/03 00 2884521 05 01/01/04 0 2884521 N 12/01/33 0 8963086 286/286 F 164,100.00 ZZ 360 163,652.52 1 6.500 1,037.23 88 6.250 1,037.23 STOCKTON CA 95210 1 10/10/03 25 2827593 05 12/01/03 25 2827593 N 11/01/33 0 8963088 286/286 F 180,000.00 ZZ 360 179,253.80 1 6.000 1,079.20 51 5.750 1,079.20 RODEO CA 94572 5 09/27/03 00 2800444 05 11/01/03 0 1 2800444 N 10/01/33 0 8963092 286/286 F 133,200.00 ZZ 360 132,809.62 1 6.125 809.34 80 5.875 809.34 SUN VALLEY NV 89433 1 10/29/03 00 2844154 05 12/01/03 0 2844154 N 11/01/33 0 8963094 286/286 F 225,000.00 ZZ 360 224,034.45 1 6.375 1,403.71 90 6.125 1,403.71 OAKDALE CA 95361 1 10/03/03 14 2835284 05 11/01/03 10 2835284 N 10/01/33 0 8963096 286/286 F 217,000.00 ZZ 360 216,112.52 1 6.500 1,371.59 48 6.250 1,371.59 PLEASANTON CA 94566 5 10/14/03 00 2851028 03 12/01/03 0 2851028 N 11/01/33 0 8963098 286/286 F 100,000.00 ZZ 360 99,661.05 3 6.875 656.93 80 6.625 656.93 INDIANAPOLIS IN 46205 2 09/23/03 00 2803509 05 11/01/03 0 2803509 N 10/01/33 0 8963100 286/286 F 100,000.00 ZZ 360 99,835.57 2 7.000 665.31 80 6.750 665.31 INDIANAPOLIS IN 46205 2 11/07/03 00 2903720 05 01/01/04 0 2903720 N 12/01/33 0 1 8963102 286/286 F 100,000.00 ZZ 360 99,831.50 2 6.875 656.93 80 6.625 656.93 INDIANAPOLIS IN 46205 2 11/07/03 00 2906824 05 01/01/04 0 2906824 N 12/01/33 0 8963104 286/286 F 197,900.00 ZZ 360 197,229.19 2 6.875 1,300.07 90 6.625 1,300.07 NORFOLK VA 23503 1 10/02/03 25 2761595 05 11/01/03 30 2761595 N 10/01/33 0 8963106 286/286 F 167,712.00 ZZ 360 167,276.36 1 6.750 1,087.78 80 6.500 1,087.78 MAPLE VALLEY WA 98038 1 10/10/03 00 2808980 05 12/01/03 0 2808980 N 11/01/33 0 8963108 286/286 F 60,000.00 ZZ 360 59,858.48 1 7.250 409.31 80 7.000 409.31 CLEARLAKE CA 95422 1 10/02/03 00 2771785 05 12/01/03 0 2771785 N 11/01/33 0 8963110 286/286 F 80,000.00 ZZ 360 79,781.84 2 6.500 505.66 80 6.250 505.66 DUNSMUIR CA 96025 1 10/07/03 00 2707710 05 12/01/03 0 2707710 N 11/01/33 0 8963114 286/286 F 110,700.00 ZZ 360 110,426.19 1 7.000 736.49 90 6.750 736.49 1 VICTORVILLE CA 92394 1 10/09/03 25 2804601 05 12/01/03 25 2804601 N 11/01/33 0 8963116 286/286 F 119,700.00 ZZ 360 119,294.26 1 6.875 786.35 90 6.625 786.35 APPLE VALLEY CA 92308 1 09/24/03 11 2804612 05 11/01/03 25 2804612 N 10/01/33 0 8963118 286/286 F 51,750.00 ZZ 360 51,618.79 1 6.875 339.97 90 6.625 339.97 INDIANAPOLIS IN 46208 1 10/28/03 19 2864174 05 12/01/03 25 2864174 N 11/01/33 0 8963120 286/286 F 300,000.00 ZZ 360 298,792.59 1 6.125 1,822.84 79 5.875 1,822.84 RODEO CA 94572 5 09/26/03 00 2554848 05 11/01/03 0 2554848 N 10/01/33 0 8963124 286/286 F 166,350.00 ZZ 360 165,779.44 1 6.625 1,065.16 90 6.375 1,065.16 FERNLEY NV 89408 1 10/29/03 14 2755163 05 12/01/03 25 2755163 N 11/01/33 0 8963126 286/286 F 136,000.00 ZZ 360 135,646.72 1 6.750 882.10 78 6.500 882.10 BELLINGHAM WA 98226 5 10/02/03 00 2764587 05 12/01/03 0 2764587 N 11/01/33 0 1 8963130 286/286 F 167,000.00 ZZ 360 166,566.22 1 6.750 1,083.16 80 6.500 1,083.16 RENO NV 89502 1 10/24/03 00 2856879 05 12/01/03 0 2856879 N 11/01/33 0 8963134 286/286 F 175,000.00 ZZ 360 174,499.24 1 6.250 1,077.51 70 6.000 1,077.51 FAIRFIELD CA 94533 5 10/09/03 00 2821659 05 12/01/03 0 2821659 N 11/01/33 0 8963136 286/286 F 58,400.00 ZZ 360 58,248.28 1 6.750 378.79 80 6.500 378.79 INDIANAPOLIS IN 46235 2 10/20/03 00 2849794 05 12/01/03 0 2849794 N 11/01/33 0 8963138 286/286 F 159,300.00 ZZ 360 158,844.18 1 6.250 980.84 90 6.000 980.84 HOUSTON TX 77025 1 10/22/03 25 2848591 05 12/01/03 25 2848591 N 11/01/33 0 8963140 286/286 F 174,250.00 ZZ 360 173,774.85 1 6.500 1,101.38 85 6.250 1,101.38 PUYALLUP WA 98373 1 10/20/03 11 2739953 05 12/01/03 25 2739953 N 11/01/33 0 8963142 286/286 F 99,000.00 ZZ 360 98,755.13 1 1 7.000 658.65 86 6.750 658.65 PHOENIX AZ 85041 2 10/17/03 12 2858088 05 12/01/03 25 2858088 N 11/01/33 0 8963144 286/286 F 76,050.00 ZZ 360 75,870.93 1 7.250 518.80 90 7.000 518.80 AUSTIN TX 78704 1 10/27/03 11 2856450 01 12/01/03 25 2856450 N 11/01/33 0 8963146 286/286 F 80,400.00 ZZ 360 80,175.39 1 6.375 501.60 50 6.125 501.60 FONTANA CA 92335 5 10/28/03 00 2760817 05 12/01/03 0 2760817 N 11/01/33 0 8963148 286/286 F 57,050.00 ZZ 360 56,912.30 1 7.125 384.36 75 6.875 384.36 SUSANVILLE CA 96130 1 10/14/03 00 2800846 05 12/01/03 0 2800846 N 11/01/33 0 8963152 286/286 F 45,000.00 ZZ 360 44,888.68 1 7.000 299.39 90 6.750 299.39 MIDDLETOWN OH 45044 1 10/09/03 12 2855866 05 12/01/03 25 2855866 N 11/01/33 0 8963154 286/286 F 131,600.00 ZZ 360 131,337.32 1 6.000 789.01 70 5.750 789.01 DALE CITY VA 22193 5 11/10/03 00 2877660 03 01/01/04 0 1 2877660 N 12/01/33 0 8963156 286/286 F 257,400.00 ZZ 360 256,731.38 1 6.750 1,669.50 90 6.500 1,669.50 CANYON LAKE CA 92587 1 10/03/03 11 2819226 05 12/01/03 25 2819226 N 11/01/33 0 8963160 286/286 F 96,750.00 ZZ 360 96,598.59 1 7.250 660.01 90 7.000 660.01 COLUMBIA CITY OR 97056 1 11/07/03 11 2869075 05 01/01/04 25 2869075 N 12/01/33 0 8963162 286/286 F 223,200.00 ZZ 360 222,620.21 1 6.750 1,447.68 80 6.500 1,447.68 VIRGINIA BEACH VA 23452 1 10/23/03 00 2860413 05 12/01/03 0 2860413 N 11/01/33 0 8963164 286/286 F 150,000.00 ZZ 360 149,549.76 1 6.000 899.33 31 5.750 899.33 SANTA CRUZ CA 95062 5 10/14/03 00 2870748 05 12/01/03 0 2870748 N 11/01/33 0 8963166 286/286 F 156,800.00 ZZ 360 156,372.42 1 6.500 991.09 80 6.250 991.09 BROOKINGS OR 97415 1 10/16/03 00 2777802 05 12/01/03 0 2777802 N 11/01/33 0 1 8963168 286/286 F 192,000.00 ZZ 360 191,488.98 1 6.625 1,229.40 80 6.375 1,229.40 BROOKLYN NY 11206 1 10/01/03 00 2784221 01 12/01/03 0 2784221 N 11/01/33 0 8963170 286/286 F 288,000.00 ZZ 360 286,871.72 1 6.125 1,749.92 80 5.875 1,749.92 WILMINGTON MA 01887 1 09/30/03 00 2773103 01 11/01/03 0 2773103 N 10/01/33 0 8963172 286/286 F 168,750.00 ZZ 360 168,458.60 1 6.750 1,094.51 90 6.500 1,094.51 STOCKTON CA 95210 1 11/07/03 12 2884292 05 01/01/04 25 2884292 N 12/01/33 0 8963174 286/286 F 94,500.00 ZZ 360 94,229.58 2 6.250 581.86 90 6.000 581.86 EL PASO TX 79930 1 10/08/03 25 2727104 05 12/01/03 12 2727104 N 11/01/33 0 8963176 286/286 F 216,550.00 ZZ 360 215,643.68 1 6.250 1,333.34 80 6.000 1,333.34 SACRAMENTO CA 95835 1 09/19/03 00 2717242 05 11/01/03 0 2717242 N 10/01/33 0 8963180 286/286 F 308,000.00 ZZ 360 307,159.99 1 6.500 1,946.77 70 6.250 1,946.77 1 DALY CITY CA 94014 5 10/02/03 00 2649941 05 12/01/03 0 2649941 N 11/01/33 0 8963528 P01/G02 F 153,500.00 ZZ 360 153,354.35 1 6.250 945.13 41 6.000 945.13 CONGERS NY 10920 2 12/08/03 00 0437118235 05 02/01/04 0 03010575 O 01/01/34 0 8963662 956/956 F 179,000.00 ZZ 360 177,672.80 1 5.750 1,044.60 43 5.500 1,044.60 FAIRFIELD CA 94533 2 06/17/03 00 313050204 03 08/01/03 0 313050204 O 07/01/33 0 8963668 956/956 F 140,000.00 ZZ 360 139,112.42 1 5.750 817.00 56 5.500 817.00 SAN DIEGO CA 91916 5 07/30/03 00 1513070239 05 09/01/03 0 1513070239 O 08/01/33 0 8963674 956/956 F 104,000.00 ZZ 360 103,558.07 1 6.875 683.21 80 6.625 683.21 HESPERIA CA 92345 5 08/18/03 00 1913070040 05 10/01/03 0 1913070040 O 09/01/33 0 8963678 956/956 F 117,000.00 ZZ 360 116,465.39 1 6.500 739.52 39 6.250 739.52 COVINA CA 91723 5 08/22/03 00 1913080029 05 10/01/03 0 1913080029 O 09/01/33 0 1 8963686 956/956 F 145,000.00 ZZ 360 144,767.41 1 7.125 976.89 60 6.875 976.89 CARSON CITY NV 89701 1 11/06/03 00 3713100049 05 01/01/04 0 3713100049 O 12/01/33 0 8963690 956/956 F 50,000.00 ZZ 360 49,879.34 1 7.125 336.86 80 6.875 336.86 INDIANAPOLIS IN 46241 1 10/28/03 00 4913090037 05 12/01/03 0 4913090037 O 11/01/33 0 8963692 956/956 F 100,000.00 ZZ 360 99,823.06 1 6.625 640.31 77 6.375 640.31 INDIANAPOLIS IN 46208 2 11/12/03 00 4913100058 05 01/01/04 0 4913100058 O 12/01/33 0 8964126 X64/G02 F 97,600.00 ZZ 360 97,515.97 1 6.750 633.03 80 6.500 633.03 FERNDALE MI 48220 5 12/09/03 00 0437277403 05 02/01/04 0 0000189643 N 01/01/34 0 8964338 Y21/G02 F 150,300.00 ZZ 360 150,064.77 1 7.250 1,025.32 90 7.000 1,025.32 SEATTLE WA 98106 1 11/17/03 12 0437276199 05 01/01/04 25 203716051 O 12/01/33 0 8964644 E22/G02 F 153,600.00 ZZ 360 153,450.71 1 1 6.125 933.29 80 5.875 933.29 JACKSONVILLE FL 32246 1 12/12/03 00 0418982989 03 02/01/04 0 0418982989 O 01/01/34 0 8964724 E22/G02 F 116,000.00 ZZ 360 115,889.94 1 6.250 714.23 80 6.000 714.23 HOWELL MI 48855 1 12/12/03 00 0419073093 05 02/01/04 0 0419073093 O 01/01/34 0 8964820 E22/G02 F 176,800.00 ZZ 360 176,632.24 1 6.250 1,088.59 80 6.000 1,088.59 BRIGHTON MI 48116 1 12/12/03 00 0419141858 05 02/01/04 0 0419141858 O 01/01/34 0 8964874 E22/G02 F 138,400.00 ZZ 360 138,265.49 1 6.125 840.93 80 5.875 840.93 BIRMINGHAM AL 35244 1 12/12/03 00 0419171582 05 02/01/04 0 0419171582 O 01/01/34 0 8965024 E22/G02 F 84,000.00 ZZ 360 83,920.30 1 6.250 517.20 80 6.000 517.20 HOUSTON TX 77072 1 12/08/03 00 0419241195 03 02/01/04 0 0419241195 N 01/01/34 0 8965084 E22/G02 F 95,600.00 ZZ 360 95,502.53 1 5.875 565.51 80 5.625 565.51 HUNTINGTON IN 46750 1 12/12/03 00 0419285986 05 02/01/04 0 1 0419285986 O 01/01/34 0 8965090 E22/G02 F 160,080.00 ZZ 360 159,924.42 1 6.125 972.66 80 5.875 972.66 BENNETT CO 80102 1 12/12/03 00 0419289855 05 02/01/04 0 0419289855 O 01/01/34 0 8965136 E22/G02 F 76,400.00 ZZ 360 76,332.59 1 6.625 489.20 80 6.375 489.20 SLIDELL LA 70458 1 12/12/03 00 0419332937 05 02/01/04 0 0419332937 N 01/01/34 0 8965152 E22/G02 F 85,000.00 ZZ 360 84,926.82 1 6.750 551.31 100 6.500 551.31 EL PASO TX 79932 1 12/11/03 01 0419048970 05 02/01/04 35 0419048970 O 01/01/34 0 8965232 E82/G02 F 60,000.00 ZZ 360 59,950.82 1 7.000 399.18 43 6.750 399.18 SUTTONS BAY MI 49682 5 12/11/03 00 0400927794 05 02/01/04 0 0400927794 O 01/01/34 0 8965260 E82/G02 F 114,000.00 ZZ 360 113,889.20 1 6.125 692.68 80 5.875 692.68 CO SPGS CO 80907 2 12/11/03 00 0400932109 05 02/01/04 0 0400932109 O 01/01/34 0 1 8965282 U35/G02 F 72,000.00 ZZ 360 71,946.57 1 7.500 503.43 90 7.250 503.43 HAMMOND IN 46324 1 12/09/03 01 0437157159 05 02/01/04 25 14235028 N 01/01/34 0 8965368 P32/G02 F 80,000.00 ZZ 360 79,932.79 1 6.875 525.54 80 6.625 525.54 ROME GA 30161 1 12/10/03 00 0437183379 05 02/01/04 0 1313120804 O 01/01/34 0 8966052 G34/G02 F 85,500.00 ZZ 360 85,348.70 1 6.625 547.47 90 6.375 547.47 DALLAS TX 75254 1 12/01/03 04 0437192032 01 01/01/04 25 47012507 O 12/01/33 0 8966348 U35/G02 F 130,400.00 ZZ 360 130,276.27 1 6.250 802.90 80 6.000 802.90 DAVENPORT IA 52803 5 12/12/03 00 0437178775 05 02/02/04 0 14307758 O 01/02/34 0 8968230 E22/G02 F 64,000.00 ZZ 360 63,950.08 1 7.250 436.59 80 7.000 436.59 ENNIS TX 75119 5 12/15/03 00 0418687224 05 02/01/04 0 0418687224 N 01/01/34 0 8968306 E22/G02 F 81,600.00 ZZ 360 81,516.81 1 5.875 482.69 80 5.625 482.69 1 BELLEVUE OH 44811 5 12/10/03 00 0418934709 05 02/01/04 0 0418934709 O 01/01/34 0 8968328 E22/G02 F 141,600.00 ZZ 360 141,462.37 1 6.125 860.38 80 5.875 860.38 FEDERAL WAY WA 98023 5 12/04/03 00 0418980728 05 02/01/04 0 0418980728 O 01/01/34 0 8968450 E22/G02 F 198,400.00 ZZ 360 198,220.65 1 6.500 1,254.02 80 6.250 1,254.02 SACRAMENTO CA 95838 2 12/08/03 00 0419077201 05 02/01/04 0 0419077201 O 01/01/34 0 8968478 E22/G02 F 92,000.00 ZZ 360 91,930.00 1 7.375 635.42 93 7.125 635.42 SALISBURY MD 21804 2 12/10/03 01 0419108576 05 02/01/04 30 0419108576 O 01/01/34 0 8968492 E22/G02 F 178,000.00 ZZ 360 177,818.52 1 5.875 1,052.94 32 5.625 1,052.94 NEVADA CITY CA 95959 5 11/26/03 00 0419116405 05 02/01/04 0 0419116405 O 01/01/34 0 8968494 E22/G02 F 136,000.00 ZZ 360 135,882.91 1 6.750 882.09 80 6.500 882.09 LEDYARD CT 06335 5 12/10/03 00 0419119615 05 02/01/04 0 0419119615 O 01/01/34 0 1 8968504 E22/G02 F 123,200.00 TX 360 123,088.62 1 6.500 778.71 80 6.250 778.71 SAN ANTONIO TX 78247 5 12/08/03 00 0419131602 03 02/01/04 0 0419131602 O 01/01/34 0 8968506 E22/G02 F 74,000.00 ZZ 360 73,933.10 1 6.500 467.73 80 6.250 467.73 BIRMINGHAM AL 35215 1 12/15/03 00 0419131669 05 02/01/04 0 0419131669 O 01/01/34 0 8968564 E82/G02 F 131,600.00 ZZ 360 131,481.03 1 6.500 831.80 88 6.250 831.80 VIRGINIA BEACH VA 23455 2 12/12/03 10 0400924593 05 02/01/04 25 0400924593 O 01/01/34 0 8968598 E82/G02 F 176,100.00 ZZ 360 175,948.38 2 6.750 1,142.18 83 6.500 1,142.18 BUENA VISTA CO 81211 2 12/12/03 10 0400917282 05 02/01/04 12 0400917282 O 01/01/34 0 8968656 E22/G02 F 128,000.00 ZZ 360 127,869.50 1 5.875 757.17 43 5.625 757.17 PITTSFIELD NH 03263 5 12/09/03 00 0419196332 05 02/01/04 0 0419196332 O 01/01/34 0 8968672 E22/G02 F 322,700.00 ZZ 360 322,378.75 1 1 6.000 1,934.75 25 5.750 1,934.75 SONOMA CA 95476 5 12/04/03 00 0419202023 05 02/01/04 0 0419202023 O 01/01/34 0 8968674 E22/G02 F 115,200.00 ZZ 360 115,090.69 1 6.250 709.31 80 6.000 709.31 REDFORD MI 48239 1 12/15/03 00 0419202866 05 02/01/04 0 0419202866 O 01/01/34 0 8968876 E22/G02 F 104,100.00 ZZ 360 104,005.90 1 6.500 657.98 84 6.250 657.98 OKLAHOMA CITY OK 73110 5 12/09/03 01 0419304944 05 02/01/04 12 0419304944 O 01/01/34 0 8968912 E22/G02 F 81,000.00 ZZ 360 80,924.98 1 6.375 505.33 90 6.125 505.33 KANSAS CITY MO 64138 5 12/09/03 01 0419329016 05 02/01/04 25 0419329016 O 01/01/34 0 8970100 721/G02 F 141,600.00 ZZ 360 141,232.17 1 6.750 918.42 80 6.500 918.42 PLANO TX 75024 1 10/30/03 00 0437279557 03 12/01/03 0 7883074382 N 11/01/33 0 8971246 H49/G02 F 116,000.00 ZZ 360 115,794.75 1 6.625 742.76 70 6.375 742.76 AURORA CO 80014 5 11/21/03 00 0437221286 03 01/20/04 0 1 53859825 O 12/20/33 0 8972092 E22/G02 F 144,000.00 ZZ 360 143,504.72 1 6.375 898.37 88 6.125 898.37 NUCLA CO 81424 5 12/11/03 01 0419038195 05 02/01/04 25 0419038195 O 01/01/34 0 8972192 E22/G02 F 120,300.00 ZZ 360 120,183.07 1 6.125 730.96 69 5.875 730.96 INDIAN TRAIL NC 28079 2 12/10/03 00 0419130760 05 02/01/04 0 0419130760 O 01/01/34 0 8972210 E22/G02 F 89,250.00 ZZ 360 89,176.84 1 7.000 593.78 85 6.750 593.78 HIALEAH FL 33016 1 12/16/03 04 0419144274 08 02/01/04 12 0419144274 O 01/01/34 0 8972218 E22/G02 F 85,500.00 ZZ 360 85,424.56 1 6.625 547.47 95 6.375 547.47 COOPER TX 75432 1 12/15/03 04 0419147251 05 02/01/04 30 0419147251 O 01/01/34 0 8972316 E22/G02 F 68,000.00 ZZ 360 67,940.01 3 6.625 435.41 57 6.375 435.41 NEW ORLEANS LA 70119 5 12/11/03 00 0419174297 05 02/01/04 0 0419174297 O 01/01/34 0 1 8972382 E22/G02 F 72,000.00 TX 360 71,931.68 1 6.250 443.32 78 6.000 443.32 HOUSTON TX 77041 5 12/10/03 00 0419196050 03 02/01/04 0 0419196050 O 01/01/34 0 8972426 E22/G02 F 360,000.00 ZZ 360 359,605.32 2 6.125 2,187.40 65 5.875 2,187.40 SOMERVILLE MA 02144 5 12/11/03 00 0419211511 05 02/01/04 0 0419211511 O 01/01/34 0 8972570 E22/G02 F 175,750.00 ZZ 360 175,594.94 1 6.625 1,125.35 95 6.375 1,125.35 BIRMINGHAM AL 35213 1 12/16/03 10 0419324405 05 02/01/04 30 0419324405 O 01/01/34 0 8972576 E22/G02 F 124,000.00 ZZ 360 123,882.34 1 6.250 763.49 80 6.000 763.49 NEAPOLIS OH 43547 1 12/16/03 00 0419330675 05 02/01/04 0 0419330675 O 01/01/34 0 8972692 H58/G02 F 119,600.00 ZZ 360 119,506.70 1 7.250 815.88 80 7.000 815.88 PORTLAND OR 97266 1 12/04/03 00 0437199946 05 02/01/04 0 0000201963 N 01/01/34 0 8973060 N34/G02 F 93,000.00 ZZ 360 92,927.46 1 7.250 634.42 90 7.000 634.42 1 GLENDALE HEIGHT IL 60139 1 12/16/03 10 0437244312 01 02/01/04 30 14356643 O 01/01/34 0 8973412 Q14/G02 F 140,000.00 ZZ 360 139,857.27 1 5.875 828.15 59 5.625 828.15 LENEXA KS 66219 5 12/11/03 00 0437198641 05 02/01/04 0 00003-17175 O 01/01/34 0 8973646 W93/G02 F 161,550.00 ZZ 360 161,277.78 1 6.875 1,061.27 52 6.625 1,061.27 CLOVIS CA 93611 1 11/25/03 00 0437211006 05 01/01/04 0 45443867 O 12/01/33 0 8973668 W93/G02 F 143,600.00 ZZ 360 143,326.79 1 6.250 884.17 80 6.000 884.17 PORTLAND OR 97229 1 11/21/03 00 0437218746 09 01/01/04 0 82440195 O 12/01/33 0 8973704 W93/G02 F 100,000.00 ZZ 300 99,742.44 1 6.750 690.92 70 6.500 690.92 DENVER CO 80204 5 12/01/03 00 0437220213 05 01/01/04 0 30517486 O 12/01/28 0 8973708 W93/G02 F 178,450.00 ZZ 360 178,118.56 1 6.375 1,113.30 74 6.125 1,113.30 SUGAR CITY ID 83448 2 11/19/03 00 0437219355 05 01/01/04 0 35513440 O 12/01/33 0 1 8973720 W93/G02 F 151,500.00 ZZ 360 151,372.72 1 6.875 995.25 69 6.625 995.25 PAYSON AZ 85541 5 12/01/03 00 0437219934 05 02/01/04 0 35513868 O 01/01/34 0 8974382 E22/G02 F 185,000.00 ZZ 360 184,832.75 3 6.500 1,169.33 58 6.250 1,169.33 SANTA CLARITA CA 91321 5 12/08/03 00 0419024245 05 02/01/04 0 0419024245 O 01/01/34 0 8974386 E22/G02 F 140,250.00 ZZ 240 139,950.93 1 6.125 1,014.93 85 5.875 1,014.93 GORHAM ME 04038 5 12/12/03 04 0419024476 05 02/01/04 12 0419024476 O 01/01/24 0 8974398 E22/G02 F 95,000.00 ZZ 360 94,909.86 1 6.250 584.93 72 6.000 584.93 TACOMA WA 98406 1 12/15/03 00 0419031349 01 02/01/04 0 0419031349 O 01/01/34 0 8974554 E22/G02 F 99,000.00 ZZ 360 98,926.53 1 7.500 692.22 90 7.250 692.22 FORT WORTH TX 76116 2 12/12/03 01 0419123377 01 02/01/04 25 0419123377 O 01/01/34 0 8974560 E82/G02 F 116,500.00 ZZ 360 116,392.10 1 1 6.375 726.81 25 6.125 726.81 MIAMI FL 33176 2 12/12/03 00 0400930327 03 02/01/04 0 0400930327 O 01/01/34 0 8974562 E22/G02 F 97,200.00 ZZ 360 97,133.11 1 7.875 704.77 90 7.625 704.77 ALBUQUERQUE NM 87110 1 12/16/03 01 0419126511 05 02/01/04 25 0419126511 N 01/01/34 0 8974750 E22/G02 F 124,640.00 ZZ 360 124,521.74 1 6.250 767.43 95 6.000 767.43 BURLESON TX 76028 1 12/17/03 04 0419189634 05 02/01/04 30 0419189634 O 01/01/34 0 8974772 E22/G02 F 129,200.00 ZZ 360 129,074.43 1 6.125 785.03 85 5.875 785.03 FRAZIER PARK CA 93225 5 12/08/03 04 0419206503 05 02/01/04 12 0419206503 O 01/01/34 0 8974786 E22/G02 F 94,000.00 ZZ 360 93,922.95 1 7.000 625.38 77 6.750 625.38 LOUISVILLE KY 40258 2 12/17/03 00 0419211594 05 02/01/04 0 0419211594 N 01/01/34 0 8974804 E22/G02 F 93,600.00 ZZ 360 93,526.98 1 7.250 638.52 90 7.000 638.52 BAKERSFIELD CA 93306 5 12/10/03 11 0419222138 05 02/01/04 25 1 0419222138 O 01/01/34 0 8974866 E22/G02 F 128,000.00 ZZ 360 127,875.59 1 6.125 777.74 80 5.875 777.74 BOISE ID 83709 2 12/12/03 00 0419236559 05 02/01/04 0 0419236559 N 01/01/34 0 8974876 E22/G02 F 274,500.00 ZZ 360 274,251.85 1 6.500 1,735.03 90 6.250 1,735.03 ELIZABETH NJ 07208 1 12/17/03 04 0419239504 05 02/01/04 25 0419239504 O 01/01/34 0 8974934 E22/G02 F 104,000.00 ZZ 360 103,905.98 1 6.500 657.35 49 6.250 657.35 UPPER MARLBORO MD 20772 5 12/12/03 00 0419266960 05 02/01/04 0 0419266960 O 01/01/34 0 8974954 E22/G02 F 110,000.00 ZZ 360 109,905.29 1 6.750 713.46 74 6.500 713.46 CHICAGO IL 60629 5 12/12/03 00 0419283155 05 02/01/04 0 0419283155 O 01/01/34 0 8974960 E22/G02 F 120,000.00 ZZ 360 119,877.65 1 5.875 709.85 78 5.625 709.85 SPRING TX 77388 5 12/12/03 00 0419285523 03 02/01/04 0 0419285523 O 01/01/34 0 1 8975332 952/G02 F 101,000.00 ZZ 360 100,737.46 1 6.500 638.39 23 6.250 638.39 NEW MILFORD NJ 07646 5 11/24/03 00 0437227515 05 01/01/04 0 03531399 O 12/01/33 0 8975334 A03/G02 F 144,000.00 ZZ 360 143,883.27 1 7.500 1,006.87 85 7.250 1,006.87 ALLEN PARK MI 48101 5 12/11/03 11 0437255441 05 02/01/04 12 00031124328 O 01/01/34 0 8975378 Q87/G02 F 232,750.00 ZZ 360 232,385.76 1 7.250 1,587.77 95 7.000 1,587.77 SPRINGDALE AR 72764 1 11/25/03 10 0437233794 05 01/01/04 30 DERO02 O 12/01/33 0 8977704 E82/G02 F 163,100.00 ZZ 360 162,956.10 1 6.625 1,044.35 94 6.375 1,044.35 EUGENE OR 97405 2 12/15/03 04 0400924312 05 02/01/04 30 0400924312 O 01/01/34 0 8977886 E22/G02 F 78,175.00 ZZ 360 78,107.69 2 6.750 507.04 100 6.500 507.04 MONROEVILLE OH 44847 1 12/18/03 01 0419334610 05 02/01/04 35 0419334610 O 01/01/34 0 8978024 M07/G02 F 139,000.00 ZZ 360 138,864.90 1 6.125 844.58 63 5.875 844.58 1 POMONA CA 91768 5 12/15/03 00 0437237530 05 02/01/04 0 02311022 O 01/01/34 0 8978052 E22/G02 F 120,000.00 ZZ 360 119,888.86 1 6.375 748.64 65 6.125 748.64 NAPLES FL 34117 1 12/18/03 00 0419293881 05 02/01/04 0 0419293881 O 01/01/34 0 8978102 E22/G02 F 187,650.00 ZZ 360 187,488.44 2 6.750 1,217.09 90 6.500 1,217.09 LONG BRANCH NJ 07740 1 12/18/03 01 0419331210 05 02/01/04 25 0419331210 N 01/01/34 0 8978138 E22/G02 F 74,250.00 ZZ 360 74,181.23 1 6.375 463.22 90 6.125 463.22 NEVADA MO 64772 1 12/18/03 01 0418928065 05 02/01/04 25 0418928065 O 01/01/34 0 8978210 E22/G02 F 262,000.00 ZZ 360 261,751.40 1 6.250 1,613.18 69 6.000 1,613.18 LA VERNE CA 91750 2 12/12/03 00 0419139738 05 02/01/04 0 0419139738 O 01/01/34 0 8981100 E86/G02 F 116,000.00 ZZ 360 115,892.56 1 6.375 723.69 80 6.125 723.69 SMYRNA GA 30082 1 12/15/03 00 0437216518 05 02/01/04 0 0000465899 O 01/01/34 0 1 8981384 X78/G02 F 104,300.00 ZZ 360 104,210.20 1 6.750 676.49 73 6.500 676.49 ATLANTA GA 30305 1 12/17/03 00 0437230204 01 02/01/04 0 990787 O 01/01/34 0 8981566 E47/G02 F 100,000.00 TX 360 99,823.06 1 6.625 640.31 69 6.375 640.31 LAKEHILLS TX 78063 5 11/20/03 00 0437234859 05 01/01/04 0 7362512296 O 12/01/33 0 8981688 W68/G02 F 227,000.00 ZZ 360 226,131.69 1 6.250 1,397.68 74 6.000 1,397.68 WEST COVINA CA 91791 5 09/16/03 00 0437299837 05 11/01/03 0 8724110 O 10/01/33 0 8981848 E86/G02 F 108,000.00 ZZ 360 107,904.71 1 6.625 691.54 80 6.375 691.54 JACKSON TN 38305 1 12/04/03 00 0437216997 05 02/01/04 0 0000443591 O 01/01/34 0 8981888 E22/G02 F 126,000.00 ZZ 360 125,886.09 1 6.500 796.41 30 6.250 796.41 WEST PALM BEACH FL 33418 5 12/15/03 00 0418959896 05 02/01/04 0 0418959896 O 01/01/34 0 8981946 E22/G02 F 174,000.00 ZZ 360 173,838.85 1 1 6.375 1,085.53 75 6.125 1,085.53 LAKE WORTH FL 33467 1 12/19/03 00 0419090709 03 02/01/04 0 0419090709 O 01/01/34 0 8981964 E22/G02 F 124,000.00 ZZ 360 123,887.91 2 6.500 783.76 80 6.250 783.76 NEW ORLEANS LA 70117 5 12/15/03 00 0419164355 05 02/01/04 0 0419164355 O 01/01/34 0 8982000 E22/G02 F 84,000.00 ZZ 360 83,939.20 2 7.625 594.55 80 7.375 594.55 IMPERIAL MO 63052 2 12/19/03 00 0419197504 05 02/01/04 0 0419197504 N 01/01/34 0 8982048 E22/G02 F 201,666.00 ZZ 360 201,465.24 1 6.000 1,209.09 75 5.750 1,209.09 GLENDORA CA 91741 1 12/10/03 00 0419250139 05 02/01/04 0 0419250139 N 01/01/34 0 8982068 E22/G02 F 72,000.00 TX 360 71,942.42 1 7.125 485.08 80 6.875 485.08 AUSTIN TX 78745 5 12/12/03 00 0419293899 01 02/01/04 0 0419293899 O 01/01/34 0 8982100 E22/G02 F 140,000.00 ZZ 360 139,863.93 1 6.125 850.65 80 5.875 850.65 STOCKTON CA 95205 1 12/15/03 00 0419306816 05 02/01/04 0 1 0419306816 O 01/01/34 0 8982120 E22/G02 F 101,700.00 ZZ 360 101,610.27 1 6.625 651.20 90 6.375 651.20 SAINT LOUIS MO 63114 5 12/15/03 04 0419345624 05 02/01/04 25 0419345624 O 01/01/34 0 8982130 E22/G02 F 111,600.00 ZZ 360 111,503.91 1 6.750 723.84 90 6.500 723.84 AUSTIN TX 78723 1 12/19/03 01 0419347745 05 02/01/04 25 0419347745 O 01/01/34 0 8982192 E22/G02 F 136,000.00 ZZ 360 135,877.06 1 6.500 859.61 80 6.250 859.61 MIAMI FL 33193 1 12/19/03 00 0419421433 05 02/01/04 0 0419421433 N 01/01/34 0 8982196 E22/G02 F 70,000.00 ZZ 360 69,928.63 1 5.875 414.08 80 5.625 414.08 YUKON OK 73099 1 12/19/03 00 0419425194 05 02/01/04 0 0419425194 O 01/01/34 0 8982202 E22/G02 F 108,000.00 ZZ 360 107,902.37 1 6.500 682.63 80 6.250 682.63 LANTANA FL 33462 1 12/19/03 00 0419444070 05 02/01/04 0 0419444070 N 01/01/34 0 1 8982306 E22/G02 F 49,500.00 ZZ 360 49,465.93 1 7.875 358.91 90 7.625 358.91 ESCALANTE UT 84726 1 12/09/03 04 0419138391 05 02/01/04 30 0419138391 O 01/01/34 0 8982316 E22/G02 F 160,000.00 ZZ 360 159,840.72 1 6.000 959.28 87 5.750 959.28 HEMET CA 92545 5 12/08/03 01 0419147822 05 02/01/04 25 0419147822 O 01/01/34 0 8982330 E22/G02 F 113,980.00 ZZ 360 113,871.86 1 6.250 701.79 80 6.000 701.79 PORTLAND OR 97213 1 12/08/03 00 0419202130 05 02/01/04 0 0419202130 O 01/01/34 0 8982362 E22/G02 F 166,500.00 ZZ 360 166,353.10 4 6.625 1,066.12 90 6.375 1,066.12 GLADSTONE MO 64118 1 12/19/03 01 0419218300 05 02/01/04 25 0419218300 N 01/01/34 0 8982420 E22/G02 F 125,000.00 ZZ 360 124,881.39 1 6.250 769.65 93 6.000 769.65 OCEAN SPRINGS MS 39464 5 12/15/03 01 0419282579 05 02/01/04 35 0419282579 O 01/01/34 0 8982464 E22/G02 F 72,960.00 ZZ 360 72,890.77 1 6.250 449.23 80 6.000 449.23 1 RIO RANCHO NM 87124 1 12/12/03 00 0419327382 05 02/01/04 0 0419327382 O 01/01/34 0 8982472 E22/G02 F 55,500.00 ZZ 360 55,449.83 1 6.500 350.80 100 6.250 350.80 RICHMOND VA 23224 1 12/19/03 11 0419330642 05 02/01/04 35 0419330642 O 01/01/34 0 8982480 E86/G02 F 120,000.00 ZZ 360 119,680.64 1 6.625 768.37 80 6.375 768.37 MOUNT PLEASANT NC 28124 1 10/29/03 00 0437231137 05 12/01/03 0 0000400222 O 11/01/33 0 8982482 E22/G02 F 67,500.00 ZZ 360 67,444.67 1 7.000 449.08 90 6.750 449.08 HAZEL PARK MI 48030 1 12/19/03 01 0419364518 05 02/01/04 25 0419364518 N 01/01/34 0 8982484 E22/G02 F 84,900.00 ZZ 360 84,825.10 1 6.625 543.62 78 6.375 543.62 TAMPA FL 33615 1 12/19/03 00 0419366273 05 02/01/04 0 0419366273 O 01/01/34 0 8982522 E22/G02 F 114,400.00 ZZ 360 114,310.76 2 7.250 780.41 80 7.000 780.41 ATLANTA GA 30315 5 12/19/03 00 0419402607 05 02/01/04 0 0419402607 N 01/01/34 0 1 8984118 H49/G02 F 85,500.00 ZZ 360 85,366.20 1 7.250 583.26 90 7.000 583.26 SOUTH CHICAGO H IL 60411 1 12/04/03 11 0437221625 05 01/01/04 25 544886 O 12/01/33 0 8984174 477/G02 F 124,000.00 ZZ 360 123,780.58 1 6.625 793.99 79 6.375 793.99 ARTESIA CA 90701 2 11/20/03 00 0437224082 01 01/01/04 0 264793 O 12/01/33 0 8984276 313/G02 F 96,700.00 ZZ 360 96,490.06 1 6.375 603.29 80 6.125 603.29 PORT SAINT LUCI FL 34953 1 11/19/03 00 0437220999 05 01/01/04 0 9512088 O 12/01/33 0 8984278 313/G02 F 132,700.00 ZZ 360 132,459.41 1 6.500 838.76 80 6.250 838.76 BUFORD GA 30519 1 11/26/03 00 0437226376 03 01/01/04 0 9980046 O 12/01/33 0 8984300 313/G02 F 96,000.00 ZZ 360 95,646.24 1 7.375 663.05 80 7.125 663.05 CAROLINE WI 54928 5 11/17/03 00 0437242878 05 01/01/04 0 9945999 O 12/01/33 0 8984326 313/G02 F 95,900.00 ZZ 360 95,813.30 1 1 6.500 606.16 80 6.250 606.16 SPRINGFIELD OR 97478 1 12/01/03 00 0437224892 07 02/01/04 0 9982869 O 01/01/34 0 8984332 313/G02 F 309,100.00 ZZ 360 308,553.05 1 6.625 1,979.21 80 6.375 1,979.21 SAUGUS MA 01906 5 12/02/03 00 0437243223 05 01/01/04 0 9928862 O 12/01/33 0 8984930 R55/G02 F 59,500.00 ZZ 360 59,446.21 1 6.500 376.08 85 6.250 376.08 DETROIT MI 48219 2 12/17/03 27 0437221609 05 02/01/04 12 194600000239519 O 01/01/34 0 8985038 E65/G02 F 97,600.00 ZZ 360 97,515.97 1 6.750 633.03 80 6.500 633.03 LIVONIA MI 48152 1 12/12/03 00 0437234925 05 02/01/04 0 264462 O 01/01/34 0 8985192 P09/G02 F 219,000.00 ZZ 360 218,792.20 1 6.250 1,348.42 79 6.000 1,348.42 BELTSVILLE MD 20705 2 12/12/03 00 0437219751 05 02/01/04 0 3007240625 O 01/01/34 0 8985286 N74/G02 F 132,050.00 ZZ 360 131,773.60 1 5.750 770.61 95 5.500 770.61 LEWISVILLE NC 27023 2 12/12/03 10 0437226459 05 01/17/04 30 1 8702990 O 12/17/33 0 8985742 S27/G02 F 136,000.00 ZZ 360 135,870.95 1 6.250 837.38 80 6.000 837.38 KODAK TN 37764 5 12/15/03 00 0437217508 05 02/01/04 0 1900007588 O 01/01/34 0 8986692 U42/G02 F 105,300.00 ZZ 360 105,209.34 2 6.750 682.97 90 6.500 682.97 FORT WORTH TX 76133 1 12/15/03 12 0437241151 05 02/01/04 25 33301231 O 01/01/34 0 8986728 E77/G02 F 256,500.00 ZZ 360 256,309.64 4 7.500 1,793.49 90 7.250 1,793.49 WASHINGTON DC 20002 1 12/19/03 11 0437364581 05 02/01/04 25 1080004892 N 01/01/34 0 8986900 X67/G02 F 178,500.00 ZZ 360 178,353.69 1 7.000 1,187.56 70 6.750 1,187.56 VALLEJO CA 94590 5 12/15/03 00 0437235518 05 02/01/04 0 0000429319 N 01/01/34 0 8987090 K31/G02 F 150,000.00 ZZ 360 149,864.40 1 6.500 948.10 75 6.250 948.10 MARIETTA GA 30068 1 12/17/03 00 0437240807 05 02/01/04 0 3015050189 O 01/01/34 0 1 8987100 E22/G02 F 135,200.00 ZZ 360 135,062.16 1 5.875 799.76 80 5.625 799.76 NOBLE OK 73068 2 12/18/03 00 0418647863 05 02/01/04 0 0418647863 O 01/01/34 0 8987124 E22/G02 F 119,000.00 ZZ 360 118,892.42 1 6.500 752.16 89 6.250 752.16 NORFOLK VA 23502 5 12/17/03 04 0418847596 05 02/01/04 25 0418847596 O 01/01/34 0 8987148 E22/G02 F 228,700.00 ZZ 360 228,483.00 1 6.250 1,408.15 92 6.000 1,408.15 CYPRESS TX 77429 2 12/18/03 01 0418911541 03 02/01/04 30 0418911541 O 01/01/34 0 8987196 E22/G02 F 28,400.00 ZZ 360 28,376.14 1 6.875 186.57 75 6.625 186.57 WADESBORO NC 28170 5 12/23/03 00 0419025507 05 02/01/04 0 0419025507 N 01/01/34 0 8987198 E22/G02 F 58,100.00 ZZ 360 58,047.48 1 6.500 367.23 79 6.250 367.23 SAN ANTONIO TX 78245 2 12/22/03 00 0419026885 05 02/01/04 0 0419026885 N 01/01/34 0 8987224 E22/G02 F 56,200.00 TX 360 56,150.42 1 6.625 359.85 75 6.375 359.85 1 GREENVILLE TX 75402 5 12/12/03 00 0419066048 05 02/01/04 0 0419066048 O 01/01/34 0 8987266 E22/G02 F 90,000.00 ZZ 240 89,816.48 1 6.500 671.02 57 6.250 671.02 DALLAS TX 75209 5 12/18/03 00 0419126891 05 02/01/04 0 0419126891 O 01/01/24 0 8987290 E22/G02 F 152,000.00 ZZ 360 151,862.59 1 6.500 960.74 78 6.250 960.74 SILVER SPRING MD 20902 2 12/23/03 00 0419133731 07 02/01/04 0 0419133731 N 01/01/34 0 8987304 E22/G02 F 106,200.00 ZZ 360 106,112.95 4 7.000 706.55 90 6.750 706.55 PONTIAC MI 48382 1 12/23/03 10 0419161807 05 02/01/04 25 0419161807 N 01/01/34 0 8987338 E82/G02 F 79,700.00 ZZ 360 79,626.19 1 6.375 497.22 80 6.125 497.22 MILLERS CREEK NC 28651 2 12/18/03 00 0400931630 05 02/01/04 0 0400931630 O 01/01/34 0 8987348 E22/G02 F 95,800.00 ZZ 360 95,706.89 1 6.125 582.09 41 5.875 582.09 PRAIRIEVILLE LA 70769 2 12/18/03 00 0419186671 05 02/01/04 0 0419186671 O 01/01/34 0 1 8987362 E22/G02 F 239,000.00 ZZ 360 238,783.94 1 6.500 1,510.64 69 6.250 1,510.64 MONUMENT CO 80132 5 12/18/03 00 0419191101 03 02/01/04 0 0419191101 O 01/01/34 0 8987372 E22/G02 F 147,250.00 ZZ 360 147,135.14 1 7.250 1,004.50 89 7.000 1,004.50 CATONSVILLE MD 21228 5 12/16/03 01 0419202049 09 02/01/04 25 0419202049 O 01/01/34 0 8987386 E22/G02 F 120,700.00 ZZ 360 120,588.21 1 6.375 753.01 85 6.125 753.01 FORT LAUDERDALE FL 33308 1 12/23/03 01 0419214507 01 02/01/04 12 0419214507 O 01/01/34 0 8987396 E22/G02 F 158,400.00 ZZ 360 158,249.70 1 6.250 975.30 80 6.000 975.30 SEATTLE WA 98133 1 12/10/03 00 0419218151 05 02/01/04 0 0419218151 O 01/01/34 0 8987424 E22/G02 F 93,341.00 ZZ 360 93,254.54 1 6.375 582.33 75 6.125 582.33 FORT WAYNE IN 46804 1 12/23/03 00 0419228671 05 02/01/04 0 0419228671 N 01/01/34 0 8987438 E22/G02 F 174,000.00 ZZ 360 173,830.89 1 1 6.125 1,057.24 93 5.875 1,057.24 HENDERSON NV 89074 1 12/11/03 01 0419234943 03 02/01/04 30 0419234943 O 01/01/34 0 8987446 E22/G02 F 82,802.00 ZZ 360 82,715.81 2 6.250 509.83 95 6.000 509.83 NORWALK OH 44857 1 12/23/03 01 0419243373 05 02/01/04 30 0419243373 O 01/01/34 0 8987448 E22/G02 F 68,000.00 ZZ 360 67,929.69 1 6.375 424.23 85 6.125 424.23 BROOK PARK OH 44142 1 12/23/03 01 0419246251 01 02/01/04 12 0419246251 O 01/01/34 0 8987460 E22/G02 F 116,000.00 ZZ 360 115,889.94 1 6.250 714.23 80 6.000 714.23 BOISE ID 83706 5 12/18/03 00 0419255666 05 02/01/04 0 0419255666 O 01/01/34 0 8987516 E22/G02 F 244,000.00 ZZ 360 243,779.42 1 6.500 1,542.25 80 6.250 1,542.25 NORTH BABYLON NY 11703 5 12/17/03 00 0419283841 05 02/01/04 0 0419283841 O 01/01/34 0 8987530 E22/G02 F 150,900.00 ZZ 360 150,749.78 1 6.000 904.72 90 5.750 904.72 OVERLAND PARK KS 66210 2 12/23/03 01 0419296546 05 02/01/04 25 1 0419296546 N 01/01/34 0 8987560 E22/G02 F 120,500.00 ZZ 360 119,977.15 1 7.375 832.26 67 7.125 832.26 STERLING HEIGHT MI 48310 5 12/23/03 00 0419306428 05 02/01/04 0 0419306428 N 01/01/34 0 8987566 E22/G02 F 78,000.00 ZZ 360 77,414.38 1 6.375 486.62 73 6.125 486.62 CRAFTSBURY VT 05826 5 12/17/03 00 0418988671 05 02/01/04 0 0418988671 O 01/01/34 0 8987574 E22/G02 F 85,547.50 ZZ 360 85,462.34 2 6.000 512.90 95 5.750 512.90 FORT WORTH TX 76133 1 12/22/03 10 0418992368 05 02/01/04 30 0418992368 O 01/01/34 0 8987624 E22/G02 F 157,380.00 ZZ 360 157,223.33 1 6.000 943.57 70 5.750 943.57 FRESNO CA 93722 1 12/18/03 00 0419327515 05 02/01/04 0 0419327515 O 01/01/34 0 8987638 E22/G02 F 103,700.00 ZZ 360 103,612.87 1 6.875 681.24 84 6.625 681.24 SUMMERVILLE SC 29483 5 12/18/03 04 0419328273 05 02/01/04 12 0419328273 O 01/01/34 0 1 8987654 E22/G02 F 240,500.00 ZZ 360 240,271.80 1 6.250 1,480.80 83 6.000 1,480.80 WEATHERFORD TX 76088 4 12/23/03 04 0419331483 05 02/01/04 12 0419331483 O 01/01/34 0 8987660 E22/G02 F 53,100.00 ZZ 360 53,060.60 3 7.500 371.28 90 7.250 371.28 BAY CITY MI 48708 1 12/22/03 10 0419050141 05 02/01/04 25 0419050141 N 01/01/34 0 8987682 E22/G02 F 103,500.00 ZZ 360 103,406.44 2 6.500 654.19 90 6.250 654.19 LARGO FL 33770 1 12/23/03 01 0419336359 05 02/01/04 25 0419336359 O 01/01/34 0 8987684 E22/G02 F 160,000.00 ZZ 360 159,844.49 1 6.125 972.18 80 5.875 972.18 REDDING CA 96001 5 12/16/03 00 0419071568 05 02/01/04 0 0419071568 O 01/01/34 0 8987706 E22/G02 F 264,000.00 ZZ 360 263,755.48 1 6.375 1,647.02 80 6.125 1,647.02 CLOVIS CA 93611 2 12/18/03 00 0419338850 05 02/01/04 0 0419338850 O 01/01/34 0 8987784 E22/G02 F 242,000.00 ZZ 360 241,781.23 1 6.500 1,529.60 61 6.250 1,529.60 1 HARDY VA 24101 5 12/17/03 00 0419130265 05 02/01/04 0 0419130265 O 01/01/34 0 8987816 F89/G02 F 160,000.00 ZZ 360 159,855.36 1 6.500 1,011.31 78 6.250 1,011.31 BAKERSFIELD CA 93314 1 12/17/03 00 0437220098 05 02/01/04 0 13637954 O 01/01/34 0 8987818 E22/G02 F 235,000.00 ZZ 360 234,787.56 1 6.500 1,485.36 72 6.250 1,485.36 SOUTH LAKE TAHO CA 96150 2 12/12/03 00 0419148168 05 02/01/04 0 0419148168 O 01/01/34 0 8987856 E22/G02 F 108,500.00 ZZ 360 107,590.29 1 6.125 659.26 78 5.875 659.26 ELKHART IN 46514 5 12/17/03 00 0419154216 05 02/01/04 0 0419154216 O 01/01/34 0 8987876 E22/G02 F 234,000.00 ZZ 360 233,817.46 3 7.250 1,596.29 65 7.000 1,596.29 WEST PALM BEACH FL 33401 5 12/22/03 00 0419160460 05 02/01/04 0 0419160460 N 01/01/34 0 8987898 E22/G02 F 119,999.00 ZZ 360 119,898.18 1 6.875 788.31 90 6.625 788.31 OWINGS MD 20736 1 12/23/03 04 0419401237 05 02/01/04 25 0419401237 N 01/01/34 0 1 8987900 E22/G02 F 160,000.00 TX 360 159,848.18 1 6.250 985.15 80 6.000 985.15 KEMP TX 75143 5 12/17/03 00 0419169438 05 02/01/04 0 0419169438 O 01/01/34 0 8987902 E22/G02 F 104,450.00 ZZ 360 104,343.51 1 5.875 617.86 35 5.625 617.86 COLORADO SPRING CO 80908 2 12/18/03 00 0419402490 05 02/01/04 0 0419402490 O 01/01/34 0 8987912 E22/G02 F 265,000.00 ZZ 360 264,736.19 1 6.000 1,588.81 75 5.750 1,588.81 OAKLAND CA 94602 2 12/17/03 00 0419403571 05 02/01/04 0 0419403571 O 01/01/34 0 8987914 E22/G02 F 176,000.00 ZZ 360 175,840.89 1 6.500 1,112.44 80 6.250 1,112.44 JACKSONVILLE BE FL 32250 5 12/16/03 00 0419176102 05 02/01/04 0 0419176102 O 01/01/34 0 8987928 E22/G02 F 120,000.00 ZZ 240 119,751.62 1 6.375 885.88 84 6.125 885.88 MADISON AL 35758 5 12/17/03 04 0419179825 05 02/01/04 12 0419179825 O 01/01/24 0 8987946 E22/G02 F 292,500.00 ZZ 360 292,229.09 1 1 6.375 1,824.82 90 6.125 1,824.82 ORLANDO FL 32804 1 12/23/03 11 0419414636 05 02/01/04 25 0419414636 O 01/01/34 0 8987986 E22/G02 F 93,000.00 ZZ 360 92,902.91 1 5.750 542.72 80 5.500 542.72 GREER SC 29650 5 12/16/03 00 0419218383 05 02/01/04 0 0419218383 O 01/01/34 0 8988074 E22/G02 F 197,600.00 ZZ 360 197,438.03 1 7.000 1,314.64 80 6.750 1,314.64 MIDLAND MI 48642 5 12/16/03 00 0419253844 05 02/01/04 0 0419253844 O 01/01/34 0 8988086 E22/G02 F 266,000.00 ZZ 360 265,765.31 1 6.625 1,703.23 70 6.375 1,703.23 LITTLETON MA 01460 5 12/16/03 00 0419261268 05 02/01/04 0 0419261268 O 01/01/34 0 8988254 168/168 F 46,800.00 ZZ 360 46,763.49 3 7.250 319.26 90 7.000 319.26 BINGHAMTON NY 13904 1 12/11/03 04 3762563 05 02/01/04 25 0379625636 N 01/01/34 0 8988422 E22/G02 F 80,000.00 ZZ 360 79,931.12 2 6.750 518.88 80 6.500 518.88 NEW ORLEANS LA 70119 1 12/22/03 00 0419399639 05 02/01/04 0 1 0419399639 N 01/01/34 0 8988490 E22/G02 F 82,000.00 ZZ 360 81,936.04 2 7.250 559.38 87 7.000 559.38 NEW ORLEANS LA 70119 2 12/23/03 01 0419203542 05 02/01/04 25 0419203542 N 01/01/34 0 8988534 E22/G02 F 100,000.00 ZZ 360 99,900.45 1 6.000 599.55 80 5.750 599.55 ALBANY OR 97322 2 12/17/03 00 0419215033 05 02/01/04 0 0419215033 O 01/01/34 0 8988552 E22/G02 F 118,600.00 ZZ 360 118,500.36 1 6.875 779.12 85 6.625 779.12 SEBAGO ME 04029 5 12/16/03 01 0419270863 05 02/01/04 12 0419270863 O 01/01/34 0 8988572 E22/G02 F 228,000.00 ZZ 360 227,778.40 1 6.125 1,385.35 80 5.875 1,385.35 MONROE WA 98272 2 12/10/03 00 0419287008 05 02/01/04 0 0419287008 O 01/01/34 0 8988606 E22/G02 F 60,000.00 TX 360 59,944.43 1 6.375 374.32 80 6.125 374.32 BURLESON TX 76028 5 12/17/03 00 0419288378 05 02/01/04 0 0419288378 O 01/01/34 0 1 8988772 E22/G02 F 129,248.00 ZZ 360 129,131.15 1 6.500 816.94 80 6.250 816.94 SOUTH JORDAN UT 84095 1 12/18/03 00 0419309174 01 02/01/04 0 0419309174 O 01/01/34 0 8988806 E22/G02 F 203,250.00 ZZ 360 203,075.00 1 6.750 1,318.28 73 6.500 1,318.28 PORTLAND OR 97213 5 12/16/03 00 0419313812 05 02/01/04 0 0419313812 O 01/01/34 0 8988822 E22/G02 F 74,400.00 ZZ 360 74,332.74 1 6.500 470.26 80 6.250 470.26 RICHMOND VA 23224 5 12/17/03 00 0419324595 05 02/01/04 0 0419324595 O 01/01/34 0 8988932 E22/G02 F 233,800.00 ZZ 360 233,603.58 4 6.875 1,535.90 70 6.625 1,535.90 METAIRIE LA 70006 2 12/22/03 00 0419352331 05 02/01/04 0 0419352331 N 01/01/34 0 8988956 E22/G02 F 54,400.00 ZZ 360 54,350.82 1 6.500 343.85 80 6.250 343.85 SAN ANTONIO TX 78245 1 12/19/03 00 0419362751 03 02/01/04 0 0419362751 O 01/01/34 0 8988958 E22/G02 F 160,110.00 ZZ 360 159,961.70 1 6.375 998.88 90 6.125 998.88 1 RIVERDALE GA 30296 1 12/22/03 10 0419366000 05 02/01/04 25 0419366000 O 01/01/34 0 8988962 E22/G02 F 133,000.00 ZZ 360 132,870.73 1 6.125 808.12 70 5.875 808.12 WEST PALM BEACH FL 33404 1 12/22/03 00 0419369673 03 02/01/04 0 0419369673 O 01/01/34 0 8989018 168/168 F 38,800.00 ZZ 360 38,696.71 1 6.625 248.45 80 6.375 248.45 GENEVA NY 14456 1 10/10/03 00 0359965415 05 12/01/03 0 0359965415 N 11/01/33 0 8989228 X91/G02 F 284,000.00 ZZ 360 283,723.97 1 6.125 1,725.61 80 5.875 1,725.61 WAIPAHU HI 96797 5 12/06/03 00 0437228307 05 02/01/04 0 810573 O 01/01/34 0 8989456 M27/G02 F 119,200.00 ZZ 360 119,097.37 1 6.750 773.13 95 6.500 773.13 WILMINGTON NC 28409 1 12/19/03 01 0437249253 05 02/01/04 30 0100125677 O 01/01/34 0 8989530 G27/G02 F 136,800.00 ZZ 360 136,676.33 1 6.500 864.67 76 6.250 864.67 FONTANA CA 92335 5 12/09/03 00 0437255011 05 02/01/04 0 30103065 O 01/01/34 0 1 8990050 E82/G02 F 84,600.00 ZZ 360 84,521.65 1 6.375 527.79 87 6.125 527.79 NORFOLK VA 23504 2 12/23/03 10 0400935698 05 02/01/04 25 0400935698 O 01/01/34 0 8990072 E82/G02 F 78,200.00 ZZ 360 78,129.30 1 6.500 494.28 72 6.250 494.28 GODFREY IL 62035 2 12/22/03 00 0400933420 05 02/01/04 0 0400933420 O 01/01/34 0 8990080 E82/G02 F 128,800.00 ZZ 360 128,686.36 1 6.625 824.72 77 6.375 824.72 LAWRENCEBURG KY 40342 2 12/23/03 00 0400934782 05 02/01/04 0 0400934782 O 01/01/34 0 8991488 A50/G02 F 93,600.00 ZZ 360 93,509.02 1 6.125 568.73 80 5.875 568.73 ALBANY GA 31707 1 12/23/03 00 0437227176 05 02/01/04 0 02048569 O 01/01/34 0 8991772 N74/G02 F 74,700.00 ZZ 360 74,580.17 1 7.125 503.27 90 6.875 503.27 DURHAM NC 27704 1 12/18/03 10 0437365026 05 01/18/04 25 2200001575 N 12/18/33 0 8991930 E22/G02 F 92,000.00 ZZ 360 91,912.71 1 1 6.250 566.46 78 6.000 566.46 COTTAGE GROVE OR 97424 5 12/18/03 00 0419062047 05 02/01/04 0 0419062047 O 01/01/34 0 8992080 E22/G02 F 148,000.00 ZZ 360 147,856.16 1 6.125 899.26 80 5.875 899.26 MAPLE VALLEY WA 98038 2 12/17/03 00 0419185798 03 02/01/04 0 0419185798 O 01/01/34 0 8992138 E22/G02 F 142,000.00 ZZ 360 141,865.26 1 6.250 874.32 44 6.000 874.32 OXNARD CA 93030 5 12/11/03 00 0419227509 05 02/01/04 0 0419227509 O 01/01/34 0 8992248 E22/G02 F 200,600.00 ZZ 360 200,375.47 1 6.500 1,267.93 85 6.250 1,267.93 BEULAH MI 49617 5 12/19/03 10 0419248695 05 02/01/04 12 0419248695 O 01/01/34 0 8992264 E22/G02 F 155,000.00 ZZ 360 154,841.97 1 5.875 916.88 76 5.625 916.88 FRANKLIN NH 03235 5 12/19/03 00 0419252143 05 02/01/04 0 0419252143 O 01/01/34 0 8992316 E22/G02 F 96,400.00 ZZ 360 96,306.30 1 6.125 585.74 50 5.875 585.74 DRUMMONDS TN 38023 2 12/19/03 00 0419274410 05 02/01/04 0 1 0419274410 O 01/01/34 0 8992320 L20/G02 F 96,000.00 ZZ 360 95,906.69 1 6.125 583.31 80 5.875 583.31 WEISER ID 83672 2 12/18/03 00 0437244924 05 02/01/04 0 1151070210 O 01/01/34 0 8992418 E22/G02 F 74,500.00 T 360 74,119.06 1 6.750 483.21 80 6.500 483.21 HEMPSTED TX 77455 2 12/24/03 00 0419320411 05 02/01/04 0 0419320411 O 01/01/34 0 8992456 E22/G02 F 70,000.00 ZZ 360 69,945.40 2 7.250 477.52 43 7.000 477.52 FELLSMERE FL 32948 5 12/24/03 00 0419345061 05 02/01/04 0 0419345061 N 01/01/34 0 8992588 E22/G02 F 265,000.00 ZZ 360 264,760.44 1 6.500 1,674.98 75 6.250 1,674.98 WINTHROP MA 02130 5 12/19/03 00 0419369541 05 02/01/04 0 0419369541 O 01/01/34 0 8992702 E22/G02 F 216,000.00 ZZ 360 215,804.73 2 6.500 1,365.27 80 6.250 1,365.27 SALT LAKE CITY UT 84107 2 12/18/03 00 0419386891 05 02/01/04 0 0419386891 N 01/01/34 0 1 8992774 E22/G02 F 104,500.00 ZZ 360 104,414.34 1 7.000 695.24 95 6.750 695.24 PINSON AL 35126 5 12/19/03 11 0419391354 05 02/01/04 30 0419391354 O 01/01/34 0 8993048 P44/G02 F 185,000.00 ZZ 360 184,836.77 1 6.625 1,184.58 57 6.375 1,184.58 SOUTH YARMOUTH MA 02664 5 12/17/03 00 0437227739 05 02/01/04 0 0308210006 O 01/01/34 0 8993072 N74/G02 F 98,440.00 ZZ 360 98,293.42 1 7.500 688.31 92 7.250 688.31 DISTRICT HEIGHT MD 20747 5 12/16/03 10 0437226913 05 01/22/04 30 2200001563 O 12/22/33 0 8993808 952/G02 F 144,000.00 ZZ 360 143,881.96 1 7.000 958.04 90 6.750 958.04 APOLLO BEACH FL 33572 5 12/18/03 01 0437229396 03 02/01/04 25 1 O 01/01/34 0 8996292 E22/G02 F 52,000.00 ZZ 360 51,954.12 1 6.625 332.96 80 6.375 332.96 BIRMINGHAM AL 35211 2 12/26/03 00 0419323969 05 02/01/04 0 0419323969 N 01/01/34 0 8996302 E22/G02 F 112,000.00 ZZ 360 111,896.27 1 6.375 698.73 80 6.125 698.73 1 LEAGUE CITY TX 77573 5 12/19/03 00 0419366786 05 02/01/04 0 0419366786 O 01/01/34 0 8996320 E22/G02 F 115,000.00 ZZ 360 114,898.54 1 6.625 736.36 80 6.375 736.36 FERNDALE WA 98248 1 12/19/03 00 0419439849 05 02/01/04 0 0419439849 N 01/01/34 0 8996344 E22/G02 F 128,800.00 ZZ 360 128,704.41 4 7.500 900.59 80 7.250 900.59 FAYETTEVILLE NC 28301 1 12/26/03 00 0419303904 05 02/01/04 0 0419303904 N 01/01/34 0 8996346 E22/G02 F 121,600.00 T 360 121,476.02 1 5.875 719.31 78 5.625 719.31 SEVIERVILLE TN 37876 1 12/26/03 00 0419313853 03 02/01/04 0 0419313853 O 01/01/34 0 8996468 E86/G02 F 67,600.00 ZZ 360 67,544.59 1 7.000 449.74 80 6.750 449.74 RIDGECREST CA 93555 1 12/16/03 00 0437230840 05 02/01/04 0 0000448404 O 01/01/34 0 8996536 X53/G02 F 127,200.00 ZZ 360 127,094.70 2 6.950 842.00 80 6.700 842.00 EAST POINT GA 30344 5 12/15/03 00 0437231830 05 02/01/04 0 12050310401 N 01/01/34 0 1 8996612 952/G02 F 140,000.00 ZZ 360 139,854.41 1 6.625 896.44 80 6.375 896.44 OLD BRIDGE NJ 08857 1 12/11/03 00 0437225436 01 02/01/04 0 03534846 O 01/01/34 0 8996806 P27/G02 F 149,600.00 ZZ 360 149,461.44 1 6.375 933.31 76 6.125 933.31 ATWATER CA 95301 5 12/11/03 00 0437232887 05 02/01/04 0 8617921 O 01/01/34 0 8996808 U05/G02 F 116,000.00 TX 360 115,889.94 1 6.250 714.23 80 6.000 714.23 ARLINGTON TX 76017 5 12/17/03 00 0437267776 05 02/01/04 0 3000453423 O 01/01/34 0 8996814 P27/G02 F 147,800.00 ZZ 360 147,675.83 1 6.875 970.94 78 6.625 970.94 BOISE ID 83709 2 12/17/03 00 0437232929 05 02/01/04 0 8710346 O 01/01/34 0 8997588 758/G02 F 101,950.00 ZZ 360 101,866.43 1 7.000 678.28 95 6.750 678.28 CHANNELVIEW TX 77530 1 12/17/03 11 0437234917 05 02/01/04 30 303747 O 01/01/34 0 8999068 E22/G02 F 59,500.00 ZZ 360 59,443.55 1 1 6.250 366.35 48 6.000 366.35 RANCHO VIEJO TX 78575 5 12/22/03 00 0419256797 05 02/01/04 0 0419256797 O 01/01/34 0 8999098 E22/G02 F 102,500.00 ZZ 360 102,407.34 1 6.500 647.87 35 6.250 647.87 NORTH KINGSTOWN RI 02852 5 12/18/03 00 0419269667 05 02/01/04 0 0419269667 O 01/01/34 0 8999102 E22/G02 F 76,950.00 ZZ 360 76,886.93 1 7.000 511.95 95 6.750 511.95 CADILLAC MI 49601 5 12/23/03 04 0419270608 05 02/01/04 30 0419270608 O 01/01/34 0 8999120 E82/G02 F 76,500.00 ZZ 360 76,432.50 1 6.625 489.84 85 6.375 489.84 TEMPLE GA 30179 2 12/26/03 10 0400920740 05 02/01/04 25 0400920740 O 01/01/34 0 8999154 E82/G02 F 137,200.00 ZZ 360 137,072.93 1 6.375 855.95 39 6.125 855.95 BELTSVILLE MD 20705 5 12/22/03 00 0400930442 03 02/01/04 0 0400930442 O 01/01/34 0 8999158 E82/G02 F 149,350.00 ZZ 360 149,218.24 1 6.625 956.30 84 6.375 956.30 ALBANY NY 12211 2 12/24/03 04 0400920690 05 02/01/04 12 1 0400920690 O 01/01/34 0 8999174 E82/G02 F 137,200.00 ZZ 360 137,084.73 1 6.875 901.31 84 6.625 901.31 CENTREVILLE VA 20121 5 12/26/03 10 0400929097 01 02/01/04 12 0400929097 O 01/01/34 0 8999216 E22/G02 F 153,200.00 ZZ 360 153,058.11 1 6.375 955.77 80 6.125 955.77 FORT WORTH TX 76132 1 12/29/03 00 0419418355 03 02/01/04 0 0419418355 O 01/01/34 0 8999238 E22/G02 F 99,400.00 ZZ 360 99,305.69 1 6.250 612.02 74 6.000 612.02 AULT CO 80610 2 12/23/03 00 0419431333 05 02/01/04 0 0419431333 O 01/01/34 0 8999240 Y21/G02 F 104,000.00 ZZ 360 103,797.32 1 6.125 631.91 79 5.875 631.91 HACKETTSTOWN NJ 07840 5 11/26/03 00 0437233562 05 01/01/04 0 203934822 O 12/01/33 0 8999246 E22/G02 F 152,950.00 ZZ 360 152,804.87 1 6.250 941.74 95 6.000 941.74 PALMETTO FL 34221 1 12/29/03 01 0419436613 05 02/01/04 30 0419436613 O 01/01/34 0 1 8999314 E22/G02 F 95,000.00 ZZ 360 94,914.12 1 6.500 600.46 87 6.250 600.46 WEST VALLEY CIT UT 84119 1 12/19/03 04 0419347729 05 02/01/04 25 0419347729 N 01/01/34 0 8999328 E22/G02 F 61,625.00 ZZ 360 61,567.92 1 6.375 384.46 85 6.125 384.46 BOSSIER CITY LA 71111 5 12/23/03 01 0419353925 05 02/01/04 12 0419353925 O 01/01/34 0 8999364 E22/G02 F 272,000.00 ZZ 360 271,754.10 1 6.500 1,719.23 80 6.250 1,719.23 LA MESA CA 91942 2 12/17/03 00 0419329321 05 02/01/04 0 0419329321 O 01/01/34 0 8999374 E22/G02 F 144,000.00 ZZ 360 143,876.02 1 6.750 933.98 90 6.500 933.98 OMRO WI 54963 2 12/22/03 01 0419332903 05 02/01/04 25 0419332903 O 01/01/34 0 8999398 E22/G02 F 300,000.00 ZZ 360 299,715.35 1 6.250 1,847.15 89 6.000 1,847.15 WILSALL MT 59086 1 12/29/03 01 0419299938 05 02/01/04 25 0419299938 O 01/01/34 0 8999436 E22/G02 F 58,720.00 ZZ 360 58,665.61 1 6.375 366.34 80 6.125 366.34 1 OMAHA NE 68104 1 12/29/03 00 0419318183 05 02/01/04 0 0419318183 N 01/01/34 0 8999440 E22/G02 F 220,400.00 ZZ 360 220,095.87 1 6.375 1,375.01 95 6.125 1,375.01 MC DAVID FL 32568 5 12/23/03 01 0419319645 05 02/01/04 30 0419319645 O 01/01/34 0 8999444 E22/G02 F 74,000.00 ZZ 360 73,936.29 1 6.750 479.96 78 6.500 479.96 BRANSON MO 65616 5 12/22/03 00 0419282744 05 02/01/04 0 0419282744 O 01/01/34 0 8999468 E22/G02 F 120,000.00 ZZ 360 119,689.29 1 6.000 719.46 80 5.750 719.46 DAVENPORT FL 33897 1 12/29/03 00 0419288519 03 02/01/04 0 0419288519 O 01/01/34 0 8999474 E22/G02 F 89,400.00 ZZ 360 89,315.18 1 6.250 550.45 60 6.000 550.45 CLERMONT FL 34711 1 12/29/03 00 0419291315 05 02/01/04 0 0419291315 O 01/01/34 0 8999490 E22/G02 F 275,000.00 ZZ 360 274,712.88 2 5.750 1,604.83 79 5.500 1,604.83 KIRKLAND WA 98033 1 12/23/03 00 0419296892 05 02/01/04 0 0419296892 N 01/01/34 0 1 8999492 E22/G02 F 60,000.00 ZZ 360 59,941.68 1 6.125 364.57 79 5.875 364.57 CHATTANOOGA TN 37412 5 12/23/03 00 0419298336 05 02/01/04 0 0419298336 O 01/01/34 0 8999516 E22/G02 F 78,000.00 ZZ 360 77,897.98 1 6.500 493.01 75 6.250 493.01 CONKLIN MI 49403 5 12/23/03 00 0419242391 05 02/01/04 0 0419242391 O 01/01/34 0 8999532 E22/G02 F 84,800.00 ZZ 360 84,723.34 1 6.500 535.99 80 6.250 535.99 DALLAS TX 75228 5 12/29/03 00 0419250386 05 02/01/04 0 0419250386 N 01/01/34 0 8999584 E22/G02 F 67,025.00 ZZ 360 66,968.69 1 6.875 440.31 90 6.625 440.31 HOLDEN MO 64040 2 12/22/03 01 0419220595 05 02/01/04 25 0419220595 O 01/01/34 0 8999648 E22/G02 F 141,000.00 ZZ 360 140,872.53 3 6.500 891.22 79 6.250 891.22 TOLEDO OH 43620 5 12/23/03 00 0419150131 05 02/01/04 0 0419150131 O 01/01/34 0 8999652 E22/G02 F 164,000.00 TX 360 163,840.60 1 1 6.125 996.48 80 5.875 996.48 KERRVILLE TX 78028 5 12/19/03 00 0419155270 03 02/01/04 0 0419155270 O 01/01/34 0 8999660 E22/G02 F 69,700.00 ZZ 360 69,635.44 1 6.375 434.84 85 6.125 434.84 VIRGINIA BEACH VA 23452 5 12/23/03 04 0419161476 07 02/01/04 12 0419161476 O 01/01/34 0 8999686 E22/G02 F 129,600.00 ZZ 360 129,474.04 1 6.125 787.46 80 5.875 787.46 GREENACRES WA 99016 2 12/22/03 00 0419132550 05 02/01/04 0 0419132550 O 01/01/34 0 8999722 E22/G02 F 298,000.00 ZZ 360 297,717.24 1 6.250 1,834.84 80 6.000 1,834.84 WESTON FL 33326 1 12/29/03 00 0419064332 03 02/01/04 0 0419064332 O 01/01/34 0 8999760 E22/G02 F 189,900.00 ZZ 360 189,710.95 1 6.000 1,138.55 62 5.750 1,138.55 LINCOLN PARK NJ 07035 2 12/19/03 00 0418995866 05 02/01/04 0 0418995866 O 01/01/34 0 8999778 E22/G02 F 190,000.00 ZZ 360 189,836.41 2 6.750 1,232.34 67 6.500 1,232.34 TURLOCK CA 95382 5 12/17/03 00 0419043021 05 02/01/04 0 1 0419043021 N 01/01/34 0 8999810 E22/G02 F 155,000.00 ZZ 360 154,852.93 1 6.250 954.36 77 6.000 954.36 ASHFORD CT 06278 5 12/22/03 00 0418796918 05 02/01/04 0 0418796918 O 01/01/34 0 8999812 Y21/G02 F 85,000.00 ZZ 360 84,923.16 1 6.500 537.26 31 6.250 537.26 MEDFORD OR 97501 5 12/03/03 00 0437229321 05 02/01/04 0 203926285 O 01/01/34 0 8999834 E22/G02 F 147,200.00 ZZ 360 147,076.33 1 6.875 967.00 80 6.625 967.00 NEW PORT RICHEY FL 34655 5 12/22/03 00 0419361779 03 02/01/04 0 0419361779 O 01/01/34 0 8999852 E22/G02 F 56,000.00 ZZ 360 55,950.60 1 6.625 358.57 70 6.375 358.57 SAINT LOUIS MO 63022 5 12/29/03 00 0419372990 01 02/01/04 0 0419372990 N 01/01/34 0 8999928 P21/G02 F 61,300.00 ZZ 360 61,207.29 1 6.500 387.46 94 6.250 387.46 EL PASO TX 79936 2 12/17/03 01 0437262108 05 02/01/04 30 8606704 O 01/01/34 0 1 9000050 B23/G02 F 160,000.00 ZZ 360 159,855.36 1 6.500 1,011.31 80 6.250 1,011.31 LONG BEACH CA 90805 5 12/04/03 00 0437243918 05 02/01/04 0 80004197 O 01/01/34 0 9000234 Y21/G02 F 100,000.00 ZZ 360 99,905.11 1 6.250 615.72 80 6.000 615.72 BLOOMINGTON MN 55438 1 12/15/03 00 0437229768 01 02/01/04 0 223014486 O 01/01/34 0 9000390 P09/G02 F 212,568.00 ZZ 360 212,361.39 1 6.125 1,291.59 74 5.875 1,291.59 PROSPECT CT 06712 5 12/20/03 00 0437266281 05 02/01/04 0 8554768 O 01/01/34 0 9000544 Y21/G02 F 238,000.00 ZZ 360 237,784.84 1 6.500 1,504.33 76 6.250 1,504.33 WHITTIER CA 90601 5 12/05/03 00 0437229867 05 02/01/04 0 203946928 O 01/01/34 0 9000820 U36/G02 F 89,200.00 ZZ 360 89,117.38 1 6.375 556.50 80 6.125 556.50 DALTON GA 30721 1 12/19/03 00 0437229693 05 02/01/04 0 310962003 O 01/01/34 0 9000972 T23/G02 F 83,600.00 ZZ 360 83,529.77 1 6.875 549.19 71 6.625 549.19 1 MOUNT VERNON OH 43050 5 12/22/03 00 0437233406 05 02/01/04 0 7146 O 01/01/34 0 9001166 N47/G02 F 280,000.00 ZZ 360 279,721.26 1 6.000 1,678.74 68 5.750 1,678.74 ESCONDIDO CA 92025 5 12/18/03 00 0437387756 05 02/01/04 0 30508750 O 01/01/34 0 9001216 A42/G02 F 79,600.00 ZZ 360 79,529.77 2 6.625 509.69 80 6.375 509.69 TUCSON AZ 85713 5 12/11/03 00 0437232135 05 02/01/04 0 1002129 O 01/01/34 0 9001386 Y21/G02 F 95,200.00 ZZ 360 95,111.82 1 6.375 593.93 80 6.125 593.93 PORTLAND OR 97206 1 12/09/03 00 0437234677 05 02/01/04 0 203938615 O 01/01/34 0 9001402 Y21/G02 F 160,550.00 ZZ 360 160,404.86 1 6.500 1,014.79 95 6.250 1,014.79 ST. PETERSBURG FL 33704 1 12/12/03 04 0437229636 05 02/01/04 30 203911067 O 01/01/34 0 9001408 Y21/G02 F 69,000.00 ZZ 360 68,858.94 1 5.875 408.17 42 5.625 408.17 BEND OR 97701 2 11/25/03 00 0437232739 05 01/01/04 0 203892828 O 12/01/33 0 1 9001426 Y21/G02 F 247,000.00 ZZ 360 246,754.11 1 6.000 1,480.89 95 5.750 1,480.89 YUBA CITY CA 95993 1 12/09/03 11 0437231731 05 02/01/04 30 203927214 O 01/01/34 0 9001448 Y21/G02 F 127,780.00 ZZ 360 127,675.25 3 7.000 850.13 90 6.750 850.13 AUBURN ME 04210 1 12/01/03 01 0437237357 05 02/01/04 25 203892445 N 01/01/34 0 9001454 Y21/G02 F 117,200.00 ZZ 360 117,113.02 1 7.500 819.48 80 7.250 819.48 WEST PALM BEACH FL 33405 1 12/08/03 00 0437237605 05 02/01/04 0 203947274 O 01/01/34 0 9001462 Y21/G02 F 140,000.00 ZZ 360 139,758.24 1 6.750 908.04 78 6.500 908.04 ELKINS PARK PA 19027 1 11/25/03 00 0437262645 05 01/01/04 0 203895321 O 12/01/33 0 9001468 Y21/G02 F 148,410.00 ZZ 360 148,282.22 1 6.750 962.59 90 6.500 962.59 CRYSTAL MN 55422 1 12/02/03 14 0437236177 05 02/01/04 25 203936485 O 01/01/34 0 9001484 Y21/G02 F 140,000.00 ZZ 360 139,764.07 1 1 6.875 919.71 80 6.625 919.71 NASHVILLE TN 37218 1 12/05/03 00 0437235807 05 01/01/04 0 203929764 O 12/01/33 0 9001500 Y21/G02 F 244,800.00 ZZ 360 244,562.06 1 6.125 1,487.44 90 5.875 1,487.44 PRIOR LAKE MN 55372 1 12/02/03 11 0437236938 05 02/01/04 25 203959850 O 01/01/34 0 9001506 Y21/G02 F 175,200.00 ZZ 360 175,033.76 1 6.250 1,078.74 80 6.000 1,078.74 PORTLAND OR 97212 1 12/05/03 00 0437231764 05 02/01/04 0 203865308 O 01/01/34 0 9001512 Y21/G02 F 89,100.00 ZZ 360 89,021.39 1 6.625 570.52 90 6.375 570.52 WILLIAMSTOWN NJ 08094 1 12/12/03 14 0437230352 07 02/01/04 25 223002992 O 01/01/34 0 9001518 Y21/G02 F 122,400.00 ZZ 360 122,178.08 1 6.500 773.66 80 6.250 773.66 BEAVERTON OR 97007 1 11/26/03 00 0437230568 09 01/01/04 0 203922301 O 12/01/33 0 9001586 Y21/G02 F 82,500.00 ZZ 360 82,423.58 1 6.375 514.70 94 6.125 514.70 TIGARD OR 97224 1 12/01/03 01 0437234941 01 02/01/04 25 1 203905733 O 01/01/34 0 9001608 Y21/G02 F 85,693.00 ZZ 360 85,622.76 1 7.000 570.12 75 6.750 570.12 MURFREESBORO TN 37130 1 12/15/03 00 0437229479 05 02/01/04 0 203932633 O 01/01/34 0 9001622 Y21/G02 F 140,000.00 ZZ 360 139,752.27 1 6.625 896.44 80 6.375 896.44 SUSSEX NJ 07461 5 11/24/03 00 0437238462 07 01/01/04 0 203856201 O 12/01/33 0 9001630 Y21/G02 F 240,000.00 ZZ 360 239,798.37 1 6.875 1,576.63 57 6.625 1,576.63 NORCROSS GA 30092 5 12/05/03 00 0437237795 03 02/01/04 0 203939344 O 01/01/34 0 9001638 Y21/G02 F 93,600.00 ZZ 360 93,517.41 1 6.625 599.34 80 6.375 599.34 CHARLOTTE NC 28205 2 12/05/03 00 0437235310 05 02/01/04 0 203957288 O 01/01/34 0 9001640 Y21/G02 F 280,000.00 ZZ 360 279,758.92 1 6.750 1,816.08 80 6.500 1,816.08 LOS ANGELES CA 91324 5 12/03/03 00 0437235971 05 02/01/04 0 203930207 O 01/01/34 0 1 9001644 Y21/G02 F 156,000.00 ZZ 360 155,858.97 1 6.500 986.03 68 6.250 986.03 SAYREVILLE NJ 08872 1 12/11/03 00 0437235336 01 02/01/04 0 203903005 O 01/01/34 0 9001652 Y21/G02 F 115,425.00 ZZ 360 115,315.48 1 6.250 710.69 95 6.000 710.69 HOUSTON TX 77057 1 12/05/03 12 0437235534 01 02/01/04 30 203960416 O 01/01/34 0 9001654 Y21/G02 F 280,000.00 ZZ 360 279,714.52 1 5.875 1,656.31 69 5.625 1,656.31 VENTURA CA 93003 5 12/09/03 00 0437232234 05 02/01/04 0 203922743 O 01/01/34 0 9001656 Y21/G02 F 273,600.00 ZZ 360 273,115.87 1 6.625 1,751.90 95 6.375 1,751.90 NAPLES FL 34109 1 12/03/03 04 0437234594 05 01/01/04 30 203945476 O 12/01/33 0 9001674 Y21/G02 F 131,000.00 ZZ 360 130,887.21 1 6.750 849.67 50 6.500 849.67 TAUNTON MA 02780 2 12/05/03 00 0437234552 05 02/01/04 0 203892232 N 01/01/34 0 9001676 Y21/G02 F 132,975.00 ZZ 360 132,854.78 1 6.500 840.50 90 6.250 840.50 1 RIO RICO AZ 85648 1 12/01/03 04 0437234867 03 02/01/04 25 203935683 O 01/01/34 0 9001680 Y21/G02 F 225,000.00 ZZ 360 224,571.89 1 6.250 1,385.37 40 6.000 1,385.37 CARLSBAD CA 92009 2 11/20/03 00 0437231459 05 01/01/04 0 203921194 O 12/01/33 0 9001682 Y21/G02 F 161,120.00 ZZ 360 160,805.98 1 6.125 978.99 80 5.875 978.99 MINNETONKA MN 55343 1 12/05/03 00 0437230170 05 01/01/04 0 203945701 O 12/01/33 0 9001684 Y21/G02 F 58,000.00 ZZ 360 57,956.95 1 7.500 405.55 80 7.250 405.55 HOLIDAY FL 34691 1 12/11/03 00 0437231194 05 02/01/04 0 203958594 O 01/01/34 0 9001690 Y21/G02 F 147,500.00 ZZ 360 147,366.65 1 6.500 932.31 80 6.250 932.31 KENNESAW GA 30144 2 12/05/03 00 0437231368 01 02/01/04 0 203933311 O 01/01/34 0 9001696 Y21/G02 F 152,000.00 ZZ 360 151,439.11 1 5.875 899.14 76 5.625 899.14 PERRIS CA 92571 5 11/24/03 00 0437230766 05 01/01/04 0 203825233 O 12/01/33 0 1 9001710 Y21/G02 F 320,000.00 ZZ 360 319,405.65 1 6.375 1,996.39 80 6.125 1,996.39 SPRING VALLEY CA 91977 1 11/24/03 00 0437235229 05 01/01/04 0 203873866 O 12/01/33 0 9001712 Y21/G02 F 98,200.00 ZZ 360 98,104.55 1 6.125 596.68 36 5.875 596.68 LITTLETON CO 80128 5 12/10/03 00 0437236219 05 02/01/04 0 223004421 O 01/01/34 0 9001738 P01/G02 F 62,000.00 ZZ 360 61,950.42 1 7.125 417.71 80 6.875 417.71 BALLSTON SPA NY 12020 1 12/12/03 00 0437227986 05 02/01/04 0 03005351 N 01/01/34 0 9001772 P01/G02 F 108,000.00 ZZ 360 107,909.27 1 6.875 709.48 80 6.625 709.48 ATHENS NY 12015 5 12/19/03 00 0437288806 05 02/01/04 0 03005363 O 01/01/34 0 9002050 E22/G02 F 78,000.00 ZZ 360 77,924.19 1 6.125 473.94 75 5.875 473.94 SAN ANTONIO TX 78233 2 12/24/03 00 0419443601 05 02/01/04 0 0419443601 O 01/01/34 0 9002070 E22/G02 F 179,920.00 ZZ 360 179,757.35 1 1 6.500 1,137.22 80 6.250 1,137.22 CLYDE TOWNSHIP MI 48049 1 12/30/03 00 0419480397 05 02/01/04 0 0419480397 O 01/01/34 0 9002082 E22/G02 F 56,800.00 ZZ 360 56,749.88 1 6.625 363.70 80 6.375 363.70 JACKSON MS 39212 2 12/30/03 00 0419415740 05 02/01/04 0 0419415740 N 01/01/34 0 9002094 E22/G02 F 176,000.00 ZZ 360 175,855.74 3 7.000 1,170.93 80 6.750 1,170.93 EAST ORANGE CIT NJ 07018 1 12/30/03 00 0419425079 05 02/01/04 0 0419425079 N 01/01/34 0 9002104 E22/G02 F 112,500.00 ZZ 360 112,405.49 1 6.875 739.04 90 6.625 739.04 SPRINGTOWN TX 76082 1 12/30/03 01 0419432372 05 02/01/04 25 0419432372 O 01/01/34 0 9002112 E22/G02 F 40,000.00 ZZ 360 39,967.21 1 7.000 266.12 75 6.750 266.12 JACKSON MS 39212 2 12/30/03 00 0419435078 05 02/01/04 0 0419435078 N 01/01/34 0 9002126 E22/G02 F 50,800.00 ZZ 360 50,755.18 1 6.625 325.28 76 6.375 325.28 JACKSON MS 39212 2 12/30/03 00 0419435094 05 02/01/04 0 1 0419435094 N 01/01/34 0 9002134 E22/G02 F 262,400.00 ZZ 360 262,156.97 1 6.375 1,637.03 80 6.125 1,637.03 TROY MI 48098 1 12/30/03 00 0419439955 05 02/01/04 0 0419439955 O 01/01/34 0 9002152 E22/G02 F 56,000.00 ZZ 360 55,952.95 1 6.875 367.88 80 6.625 367.88 HOUSTON TX 77048 5 12/30/03 00 0419400080 05 02/01/04 0 0419400080 N 01/01/34 0 9002158 E22/G02 F 54,500.00 ZZ 360 54,451.92 1 6.625 348.97 78 6.375 348.97 JACKSON MS 39212 2 12/30/03 00 0419401344 05 02/01/04 0 0419401344 N 01/01/34 0 9002194 E22/G02 F 109,900.00 ZZ 360 109,798.21 1 6.375 685.63 65 6.125 685.63 HOUSTON TX 77066 1 12/29/03 00 0419365788 03 02/01/04 0 0419365788 O 01/01/34 0 9002224 E22/G02 F 130,000.00 ZZ 360 129,873.65 2 6.125 789.89 54 5.875 789.89 FORT PIERCE FL 34949 5 12/24/03 00 0419384540 05 02/01/04 0 0419384540 O 01/01/34 0 1 9002244 E22/G02 F 98,100.00 ZZ 360 98,021.55 1 7.125 660.92 90 6.875 660.92 BRANSON MO 65616 5 12/24/03 01 0419345640 05 02/01/04 25 0419345640 O 01/01/34 0 9002298 E22/G02 F 134,910.00 ZZ 360 134,796.66 1 6.875 886.26 90 6.625 886.26 ST. LOUIS MO 63126 1 12/30/03 01 0419350574 05 02/01/04 25 0419350574 N 01/01/34 0 9002302 E22/G02 F 84,000.00 ZZ 360 83,932.83 1 7.125 565.92 69 6.875 565.92 SAINT LOUIS MO 63139 5 12/30/03 00 0419353347 05 02/01/04 0 0419353347 N 01/01/34 0 9002304 E22/G02 F 100,999.00 ZZ 360 100,905.46 1 6.375 630.10 80 6.125 630.10 HOUSTON TX 77091 1 12/30/03 00 0419354774 03 02/01/04 0 0419354774 O 01/01/34 0 9002318 E22/G02 F 140,000.00 ZZ 360 139,882.38 1 6.875 919.70 80 6.625 919.70 MINNEAPOLIS MN 55410 1 12/30/03 00 0419322607 05 02/01/04 0 0419322607 N 01/01/34 0 9002328 E22/G02 F 95,600.00 ZZ 240 95,305.83 1 7.000 741.19 87 6.750 741.19 1 HOUSTON TX 77049 2 12/19/03 04 0419331426 03 02/01/04 25 0419331426 O 01/01/24 0 9002340 E22/G02 F 189,000.00 ZZ 360 188,852.57 3 7.250 1,289.31 90 7.000 1,289.31 NORTH LAUDERDAL FL 33068 1 12/30/03 04 0419335880 05 02/01/04 25 0419335880 N 01/01/34 0 9002358 E22/G02 F 114,300.00 ZZ 360 114,188.91 1 6.125 694.50 90 5.875 694.50 RICHMOND VA 23228 1 12/29/03 04 0419282108 05 02/01/04 25 0419282108 N 01/01/34 0 9002362 E22/G02 F 79,500.00 ZZ 360 79,426.36 1 6.375 495.98 75 6.125 495.98 VIRGINIA BEACH VA 23452 1 12/30/03 00 0419284716 07 02/01/04 0 0419284716 N 01/01/34 0 9002388 E22/G02 F 196,000.00 ZZ 360 195,809.50 1 6.125 1,190.92 80 5.875 1,190.92 RAYNHAM MA 02767 1 12/30/03 00 0419312053 05 02/01/04 0 0419312053 O 01/01/34 0 9002394 E22/G02 F 185,000.00 ZZ 360 184,815.83 1 6.000 1,109.17 76 5.750 1,109.17 WINDSOR CA 95492 5 12/09/03 00 0419313291 09 02/01/04 0 0419313291 O 01/01/34 0 1 9002404 E22/G02 F 164,000.00 ZZ 360 163,844.39 1 6.250 1,009.78 95 6.000 1,009.78 CHARLESTON SC 29414 2 12/24/03 04 0419256029 05 02/01/04 30 0419256029 O 01/01/34 0 9002408 E22/G02 F 81,500.00 ZZ 360 81,390.95 1 6.125 495.20 78 5.875 495.20 GLEN BURNIE MD 21061 5 12/24/03 00 0419257639 09 02/01/04 0 0419257639 O 01/01/34 0 9002414 E22/G02 F 60,000.00 ZZ 360 59,955.47 4 7.500 419.53 43 7.250 419.53 SAINT PETERSBUR FL 33701 5 12/30/03 00 0419265541 05 02/01/04 0 0419265541 N 01/01/34 0 9002416 E22/G02 F 56,100.00 ZZ 360 56,046.77 1 6.250 345.42 85 6.000 345.42 ST LOUIS MO 63117 2 12/24/03 04 0419267778 05 02/01/04 12 0419267778 O 01/01/34 0 9002458 E22/G02 F 30,000.00 ZZ 360 29,975.41 1 7.000 199.59 75 6.750 199.59 DUNEDIN FL 34698 5 12/24/03 00 0419280334 01 02/01/04 0 0419280334 N 01/01/34 0 9002462 U35/G02 F 96,000.00 ZZ 360 95,857.05 2 1 7.500 671.25 60 7.250 671.25 CHICAGO IL 60637 2 11/11/03 00 0437273642 05 01/01/04 0 8739833 O 12/01/33 0 9002508 E22/G02 F 108,375.00 T 360 108,272.17 1 6.250 667.28 75 6.000 667.28 HOUSTON TX 77066 1 12/29/03 00 0419245287 03 02/01/04 0 0419245287 O 01/01/34 0 9002514 E22/G02 F 64,000.00 ZZ 360 63,940.72 2 6.375 399.28 64 6.125 399.28 RICHLAND WA 99352 5 12/23/03 00 0419127097 05 02/01/04 0 0419127097 O 01/01/34 0 9002518 E22/G02 F 88,000.00 ZZ 360 87,926.07 1 6.875 578.10 80 6.625 578.10 KALAMAZOO MI 49001 5 12/30/03 00 0419134994 05 02/01/04 0 0419134994 N 01/01/34 0 9002536 E22/G02 F 58,400.00 TX 240 58,282.70 1 6.625 439.72 80 6.375 439.72 HOUSTON TX 77066 5 12/23/03 00 0419167820 03 02/01/04 0 0419167820 O 01/01/24 0 9002566 E22/G02 F 95,000.00 ZZ 360 94,903.14 1 5.875 561.96 24 5.625 561.96 ANAHEIM CA 92804 5 12/16/03 00 0419038997 05 02/01/04 0 1 0419038997 O 01/01/34 0 9002594 E22/G02 F 90,000.00 ZZ 360 89,926.23 2 7.000 598.77 90 6.750 598.77 GRAND RAPIDS MI 49503 2 12/30/03 01 0419098892 05 02/01/04 25 0419098892 N 01/01/34 0 9002626 U85/G02 F 147,000.00 ZZ 360 146,822.46 1 6.750 953.44 65 6.500 953.44 GERMANTOWN WI 53022 5 12/22/03 00 0437237076 05 02/01/04 0 TQS567 O 01/01/34 0 9002686 G33/G02 F 100,000.00 TX 360 99,918.03 1 7.000 665.30 80 6.750 665.30 AUSTIN TX 78745 5 12/18/03 00 0437233943 05 02/01/04 0 814381 O 01/01/34 0 9002794 F89/G02 F 217,500.00 ZZ 360 217,303.38 1 6.500 1,374.75 80 6.250 1,374.75 MAYWOOD CA 90270 2 12/11/03 00 0437364441 05 02/01/04 0 13938196 O 01/01/34 0 9002886 562/G02 F 65,000.00 ZZ 360 64,948.02 1 7.125 437.92 17 6.875 437.92 MOUNT VERNON NY 10552 5 12/10/03 00 0437231905 05 02/01/04 0 297115389 O 01/01/34 0 1 9003092 Q73/G02 F 105,600.00 ZZ 360 105,497.36 1 6.125 641.64 80 5.875 641.64 WEST POINT MS 39773 5 12/18/03 00 0437279334 05 02/01/04 0 3155761 O 01/01/34 0 9003128 F36/G02 F 65,000.00 ZZ 360 64,945.40 1 6.875 427.00 62 6.625 427.00 GRAPEVIEW WA 98546 5 12/17/03 00 0437236615 05 02/01/04 0 06407743 O 01/01/34 0 9003286 P09/G02 F 175,000.00 ZZ 360 174,856.55 1 7.000 1,164.28 88 6.750 1,164.28 LAUREL MD 20707 2 12/15/03 10 0437234222 05 02/01/04 25 3007240054 O 01/01/34 0 9003344 B28/G02 F 147,200.00 ZZ 360 147,082.28 1 7.125 991.72 80 6.875 991.72 SAINT CHARLES IL 60174 5 12/18/03 00 0437236797 05 02/01/04 0 03003447 O 01/01/34 0 9003414 N74/G02 F 80,000.00 ZZ 360 79,840.32 1 6.000 479.64 80 5.750 479.64 STANLEY NC 28164 5 12/22/03 00 0437244593 05 01/29/04 0 0033936010 O 12/29/33 0 9003494 U96/G02 F 312,000.00 ZZ 360 311,703.96 1 6.250 1,921.04 80 6.000 1,921.04 1 HAWI HI 96719 5 12/23/03 00 0437262652 05 02/01/04 0 031200031 O 01/01/34 0 9003500 L20/G02 F 75,120.00 ZZ 360 75,052.09 1 6.500 474.81 80 6.250 474.81 WEST POINT UT 84015 1 12/24/03 00 0437231574 05 02/01/04 0 8689759 O 01/01/34 0 9003526 N74/G02 F 174,250.00 ZZ 360 173,956.38 1 6.875 1,144.70 85 6.625 1,144.70 ARODA VA 22709 5 12/19/03 10 0437236581 05 01/24/04 12 0033927010 O 12/24/33 0 9003538 225/G02 F 331,500.00 ZZ 360 328,813.27 1 6.000 1,987.51 78 5.750 1,987.51 SPRING HILL KS 66083 2 05/27/03 00 0437236748 05 07/01/03 0 007469268 O 06/01/33 0 9003542 225/G02 F 64,000.00 ZZ 360 63,766.66 1 6.500 404.53 45 6.250 404.53 ROTONDA WEST FL 33947 2 09/22/03 00 0437235732 05 11/01/03 0 007500082 O 10/01/33 0 9003566 225/G02 F 84,800.00 ZZ 360 84,579.71 1 6.750 550.02 80 6.500 550.02 LOUISVILLE KY 40216 2 10/06/03 00 0437234453 05 12/01/03 0 007506737 O 11/01/33 0 1 9003586 225/G02 F 187,625.00 ZZ 360 187,300.99 3 6.750 1,216.94 95 6.500 1,216.94 BIDDEFORD ME 04005 1 11/25/03 10 0437235393 05 01/01/04 30 007510049 O 12/01/33 0 9003594 225/G02 F 53,025.00 T 360 52,878.96 1 7.125 357.24 13 6.875 357.24 BEAUFORT SC 29907 4 10/02/03 00 0437235898 05 12/01/03 0 006595043 O 11/01/33 0 9003616 225/G02 F 150,000.00 ZZ 360 149,589.16 1 6.750 972.90 44 6.500 972.90 EAST BERLIN CT 06023 5 10/08/03 00 0437236680 05 12/01/03 0 006928467 O 11/01/33 0 9003620 225/G02 F 327,000.00 ZZ 360 326,150.61 1 6.750 2,120.92 62 6.500 2,120.92 FAIRFIELD CT 06824 5 10/07/03 00 0437234586 05 12/01/03 0 006928831 O 11/01/33 0 9003746 X21/G02 F 138,000.00 ZZ 360 137,878.25 1 6.625 883.63 80 6.375 883.63 SILVER SPRING MD 20904 1 12/22/03 00 0437241508 01 02/01/04 0 711392 O 01/01/34 0 9004294 E22/G02 F 99,000.00 ZZ 360 98,914.77 2 1 6.750 642.11 90 6.500 642.11 KENNER LA 70065 1 12/31/03 01 0419311113 05 02/01/04 25 0419311113 N 01/01/34 0 9004296 E22/G02 F 100,400.00 ZZ 360 100,311.42 1 6.625 642.87 80 6.375 642.87 HENDERSONVILLE NC 28791 1 12/31/03 00 0419312202 29 02/01/04 0 0419312202 O 01/01/34 0 9004440 E22/G02 F 148,500.00 ZZ 360 148,372.14 1 6.750 963.17 90 6.500 963.17 MIAMI FL 33175 1 12/31/03 11 0419280276 09 02/01/04 25 0419280276 O 01/01/34 0 9004562 E22/G02 F 142,000.00 ZZ 360 142,000.00 1 6.000 851.36 80 5.750 851.36 TANGENT OR 97389 1 12/30/03 00 0419206180 05 03/01/04 0 0419206180 O 02/01/34 0 9004592 E22/G02 F 160,000.00 ZZ 360 159,836.87 1 5.875 946.46 64 5.625 946.46 MINDEN NV 89423 1 12/22/03 00 0419082441 05 02/01/04 0 0419082441 O 01/01/34 0 9004640 E22/G02 F 200,000.00 ZZ 360 199,800.90 1 6.000 1,199.10 52 5.750 1,199.10 SAN JOSE CA 95111 5 12/22/03 00 0418891743 05 02/01/04 0 1 0418891743 O 01/01/34 0 9004686 E22/G02 F 65,000.00 ZZ 360 64,936.82 1 6.125 394.95 73 5.875 394.95 BREAUX BRIDGE LA 70517 5 12/26/03 00 0419004163 05 02/01/04 0 0419004163 O 01/01/34 0 9004702 E22/G02 F 204,000.00 ZZ 360 203,796.92 1 6.000 1,223.08 62 5.750 1,223.08 HOLLISTER CA 95023 5 12/11/03 00 0417811684 05 02/01/04 0 0417811684 N 01/01/34 0 9004752 E82/G02 F 172,600.00 ZZ 360 172,451.40 2 6.750 1,119.48 50 6.500 1,119.48 FORT LAUDERDALE FL 33302 5 12/17/03 00 0400922878 05 02/01/04 0 0400922878 O 01/01/34 0 9004788 E22/G02 F 155,655.00 ZZ 360 155,344.32 4 6.000 933.23 90 5.750 933.23 ALBUQUERQUE NM 87123 1 12/31/03 01 0419472485 05 02/01/04 25 0419472485 N 01/01/34 0 9004802 E22/G02 F 87,000.00 ZZ 360 86,921.35 1 6.500 549.90 70 6.250 549.90 ANDERSON IN 46011 5 12/26/03 00 0419479621 05 02/01/04 0 0419479621 O 01/01/34 0 1 9004814 E22/G02 F 87,300.00 ZZ 360 87,035.22 3 7.500 610.41 90 7.250 610.41 BISMARCK ND 58501 1 12/31/03 01 0419444039 05 02/01/04 25 0419444039 N 01/01/34 0 9004940 E22/G02 F 115,000.00 ZZ 360 114,888.23 1 6.125 698.75 39 5.875 698.75 PITTSBURG CA 94565 5 12/22/03 00 0419418678 05 02/01/04 0 0419418678 O 01/01/34 0 9004980 E22/G02 F 80,000.00 ZZ 360 79,922.24 1 6.125 486.09 54 5.875 486.09 ELKHORN NE 68022 1 12/31/03 00 0419391164 05 02/01/04 0 0419391164 O 01/01/34 0 9005006 E22/G02 F 132,000.00 ZZ 360 131,880.67 1 6.500 834.33 80 6.250 834.33 AUSTIN TX 78723 5 12/24/03 00 0419358783 05 02/01/04 0 0419358783 O 01/01/34 0 9005408 Y72/G02 F 176,000.00 ZZ 360 175,862.70 1 7.250 1,200.63 80 7.000 1,200.63 BRYAN OH 43506 5 12/19/03 00 0437258619 05 02/01/04 0 10059382 O 01/01/34 0 9005534 E86/G02 F 168,800.00 ZZ 360 168,651.08 1 6.625 1,080.84 80 6.375 1,080.84 1 FARMINGTON NM 87401 1 12/18/03 00 0437239577 05 02/01/04 0 8719874 O 01/01/34 0 9005578 H49/G02 F 113,000.00 ZZ 360 112,918.21 1 7.625 799.81 95 7.375 799.81 CEDAR LAKE IN 46303 1 12/15/03 01 0437236417 05 02/01/04 30 53682196 O 01/01/34 0 9005598 P44/G02 F 195,700.00 ZZ 360 195,535.59 1 6.875 1,285.61 95 6.625 1,285.61 NAPLES FL 34117 1 12/24/03 11 0437272297 05 02/01/04 30 8725568 O 01/01/34 0 9005648 R49/G02 F 157,500.00 ZZ 360 157,350.56 1 6.250 969.75 79 6.000 969.75 PACOIMA CA 91331 2 12/11/03 00 0437242191 01 02/01/04 0 9732239000 N 01/01/34 0 9005662 N74/G02 F 88,000.00 T 360 87,858.84 1 7.125 592.87 80 6.875 592.87 GREENACRES FL 33463 1 12/24/03 00 0437261464 09 01/24/04 0 8655566 O 12/24/33 0 9005910 588/G02 F 152,000.00 ZZ 360 151,865.90 1 6.625 973.27 80 6.375 973.27 EAST MALBOROUGH PA 19348 1 12/22/03 00 0437239205 03 02/01/04 0 00011110375 O 01/01/34 0 1 9005912 M27/G02 F 79,550.00 ZZ 360 79,472.69 1 6.125 483.35 59 5.875 483.35 CARY NC 27511 2 12/19/03 00 0437261308 05 02/01/04 0 0100013848 O 01/01/34 0 9006030 H93/G02 F 97,275.00 ZZ 240 96,945.94 1 6.500 725.26 76 6.250 725.26 OVERLAND PARK KS 66214 2 12/23/03 00 0437238173 05 02/01/04 0 2003001558 O 01/01/24 0 9006698 H49/G02 F 51,500.00 ZZ 360 51,458.81 1 7.125 346.97 80 6.875 346.97 SPRINGFIELD MO 65803 5 12/12/03 00 0437315195 05 02/01/04 0 542051 N 01/01/34 0 9006700 H49/G02 F 38,200.00 ZZ 360 38,169.45 1 7.125 257.36 75 6.875 257.36 SPRINGFIELD MO 65802 5 12/12/03 00 0437315237 05 02/01/04 0 542044301 N 01/01/34 0 9006748 H49/G02 F 50,100.00 ZZ 360 50,059.94 1 7.125 337.53 80 6.875 337.53 SPRINGFIELD MO 65803 5 12/12/03 00 0437313315 05 02/01/04 0 542088 N 01/01/34 0 9007096 E22/G02 F 96,030.00 ZZ 360 95,953.21 3 1 7.125 646.97 90 6.875 646.97 CHEYENNE WY 82001 1 12/30/03 01 0419356795 05 02/01/04 25 0419356795 N 01/01/34 0 9007108 E22/G02 F 161,455.00 ZZ 360 161,301.80 1 6.250 994.11 80 6.000 994.11 VANCOUVER WA 98662 1 12/26/03 00 0419396965 03 02/01/04 0 0419396965 O 01/01/34 0 9007136 E22/G02 F 165,000.00 ZZ 360 164,839.63 1 6.125 1,002.56 100 5.875 1,002.56 KENNEWICK WA 99337 1 12/16/03 04 0419139654 05 02/01/04 35 0419139654 O 01/01/34 0 9007178 E22/G02 F 99,920.00 ZZ 360 99,831.84 1 6.625 639.80 80 6.375 639.80 MIAMI FL 33176 1 12/23/03 00 0419225636 01 02/01/04 0 0419225636 N 01/01/34 0 9007190 E22/G02 F 87,850.00 ZZ 360 87,770.58 1 6.500 555.27 90 6.250 555.27 GULFPORT MS 39503 1 01/02/04 01 0419285218 03 02/01/04 25 0419285218 O 01/01/34 0 9007194 E22/G02 F 95,000.00 ZZ 360 95,000.00 1 7.125 640.03 70 6.875 640.03 AMARILLO TX 79109 5 01/02/04 00 0419305214 05 03/01/04 0 1 0419305214 N 02/01/34 0 9007234 E22/G02 F 85,500.00 ZZ 360 85,424.56 3 6.625 547.47 90 6.375 547.47 SAN ANTONIO TX 78201 1 01/02/04 01 0419480801 05 02/01/04 25 0419480801 N 01/01/34 0 9007286 E82/G02 F 199,300.00 ZZ 360 199,300.00 4 7.000 1,325.95 52 6.750 1,325.95 BRONX NY 10469 2 01/06/04 00 0400932737 05 03/01/04 0 0400932737 N 02/01/34 0 9007288 E82/G02 F 148,900.00 ZZ 360 148,900.00 1 6.500 941.15 80 6.250 941.15 TROY MT 59935 2 12/31/03 00 0400925343 05 03/01/04 0 0400925343 O 02/01/34 0 9007816 W84/G02 F 136,400.00 ZZ 360 136,273.67 1 6.375 850.96 80 6.125 850.96 SYRACUSE UT 84075 1 12/15/03 00 0437242613 05 02/01/04 0 10086354 O 01/01/34 0 9008192 K60/G02 F 270,000.00 ZZ 360 269,778.68 2 7.000 1,796.32 95 6.750 1,796.32 BRONX NY 10469 1 12/23/03 04 0437256191 05 02/01/04 30 84368 O 01/01/34 0 1 9008194 P01/G02 F 94,050.00 ZZ 360 93,970.98 1 6.875 617.85 95 6.625 617.85 ROME NY 13440 1 12/19/03 10 0437242522 05 02/01/04 30 03005355 O 01/01/34 0 9008498 N46/G02 F 82,500.00 ZZ 360 82,428.97 1 6.750 535.09 75 6.500 535.09 SUNSET BEACH NC 28468 1 12/31/03 00 0437265093 20 02/01/04 0 8725541 O 01/01/34 0 9008514 Y72/G02 F 119,600.00 ZZ 360 119,506.70 1 7.250 815.88 90 7.000 815.88 SIOUX FALLS SD 57106 5 12/17/03 14 0437259161 05 02/01/04 25 10068157 O 01/01/34 0 9008850 168/168 F 288,000.00 ZZ 240 285,867.84 2 7.375 2,298.15 80 7.125 2,298.15 BROOKLYN NY 11230 1 10/02/03 00 3595169 07 11/01/03 0 0359951694 O 10/01/23 0 9009206 E82/G02 F 118,400.00 ZZ 360 117,996.54 1 6.875 777.80 49 6.625 777.80 SHORELINE WA 98155 2 11/17/03 00 0400921011 05 01/01/04 0 0400921011 O 12/01/33 0 9009326 883/G02 F 105,962.00 ZZ 360 105,679.34 1 7.250 722.85 88 7.000 722.85 1 PORT SAINT LUCI FL 34983 1 12/30/03 04 0437240997 05 02/01/04 25 48001373 O 01/01/34 0 9009422 E82/G02 F 120,000.00 ZZ 360 119,896.68 1 6.750 778.32 58 6.500 778.32 BIG BEAR CA 92315 5 12/16/03 00 0400925533 05 02/01/04 0 0400925533 O 01/01/34 0 9009426 E82/G02 F 138,500.00 ZZ 360 138,383.64 1 6.875 909.85 82 6.625 909.85 MACON GA 31211 2 12/16/03 10 0400924536 05 02/01/04 12 0400924536 O 01/01/34 0 9009790 Q30/G02 F 54,000.00 ZZ 360 53,948.76 1 6.250 332.49 12 6.000 332.49 HEWLETT NY 11557 5 12/12/03 00 0437238579 05 02/01/04 0 32013964 O 01/01/34 0 9010038 T29/G02 F 153,000.00 ZZ 360 152,865.01 1 6.625 979.68 80 6.375 979.68 LAKESIDE AZ 85929 2 12/19/03 00 0437239395 05 02/01/04 0 1595150 O 01/01/34 0 9010448 696/G02 F 142,000.00 ZZ 360 141,865.26 1 6.250 874.32 80 6.000 874.32 COLLEGE PARK MD 20740 1 12/31/03 00 0437237092 05 02/01/04 0 32703368 O 01/01/34 0 1 9010452 U05/G02 F 258,750.00 ZZ 360 258,527.22 4 6.750 1,678.25 90 6.500 1,678.25 PHOENIX AZ 85032 1 12/10/03 10 0437255185 03 02/01/04 25 3445330 N 01/01/34 0 9010690 825/G02 F 168,000.00 ZZ 360 168,000.00 1 5.875 993.78 69 5.625 993.78 TRACY CA 95376 2 12/30/03 00 0437246267 01 03/01/04 0 66585 O 02/01/34 0 9011052 E22/G02 F 210,000.00 ZZ 360 209,795.90 1 6.125 1,275.98 56 5.875 1,275.98 STOCKTON CA 95215 5 12/23/03 00 0419462221 05 02/01/04 0 0419462221 O 01/01/34 0 9011068 E22/G02 F 128,250.00 ZZ 360 128,149.95 1 7.250 874.89 95 7.000 874.89 COLUMBUS OH 43230 5 12/30/03 01 0419484779 05 02/01/04 30 0419484779 O 01/01/34 0 9011158 E22/G02 F 60,000.00 ZZ 360 59,945.76 1 6.500 379.24 64 6.250 379.24 SAINT PETERSBUR FL 33710 5 12/29/03 00 0419456397 05 02/01/04 0 0419456397 O 01/01/34 0 9011166 E22/G02 F 236,800.00 ZZ 360 236,800.00 1 1 6.250 1,458.02 80 6.000 1,458.02 KELLER TX 76248 1 01/02/04 00 0419408638 03 03/01/04 0 0419408638 O 02/01/34 0 9011172 E22/G02 F 170,000.00 ZZ 360 169,838.70 1 6.250 1,046.72 54 6.000 1,046.72 MODESTO CA 95351 5 12/24/03 00 0419410410 05 02/01/04 0 0419410410 O 01/01/34 0 9011186 E22/G02 F 192,500.00 ZZ 360 192,187.02 1 6.250 1,185.26 69 6.000 1,185.26 EDMOND OK 73003 5 12/30/03 00 0419421474 05 02/01/04 0 0419421474 O 01/01/34 0 9011200 E22/G02 F 271,200.00 ZZ 360 270,936.41 1 6.125 1,647.84 80 5.875 1,647.84 MINDEN NV 89423 1 12/18/03 00 0419426952 05 02/01/04 0 0419426952 N 01/01/34 0 9011350 E22/G02 F 63,900.00 ZZ 360 63,848.90 4 7.125 430.51 90 6.875 430.51 LORAIN OH 44052 1 01/05/04 01 0419394333 05 02/01/04 25 0419394333 N 01/01/34 0 9011372 E22/G02 F 167,200.00 ZZ 360 167,037.50 1 6.125 1,015.92 80 5.875 1,015.92 CHELSEA AL 35043 5 12/30/03 00 0419349493 05 02/01/04 0 1 0419349493 O 01/01/34 0 9011376 E22/G02 F 76,500.00 ZZ 360 76,443.23 1 7.500 534.90 82 7.250 534.90 OCALA FL 34471 5 12/29/03 04 0419350335 05 02/01/04 25 0419350335 O 01/01/34 0 9011388 E22/G02 F 144,900.00 ZZ 360 144,775.24 1 6.750 939.82 90 6.500 939.82 SOUTH EUCLID OH 44143 1 01/05/04 01 0419357868 05 02/01/04 25 0419357868 N 01/01/34 0 9011390 E82/G02 F 117,500.00 ZZ 360 117,500.00 1 6.375 733.05 59 6.125 733.05 GRASS VALLEY CA 95945 5 12/30/03 00 0400932901 05 03/01/04 0 0400932901 O 02/01/34 0 9011392 E22/G02 F 58,100.00 ZZ 360 58,055.79 4 7.375 401.28 90 7.125 401.28 MEMPHIS TN 38103 1 01/05/04 04 0419360078 05 02/01/04 25 0419360078 N 01/01/34 0 9011410 E22/G02 F 200,000.00 ZZ 360 199,805.61 1 6.125 1,215.22 77 5.875 1,215.22 LYNWOOD CA 90262 5 12/22/03 00 0419363312 05 02/01/04 0 0419363312 O 01/01/34 0 1 9011428 E22/G02 F 165,000.00 ZZ 360 164,854.43 3 6.625 1,056.51 53 6.375 1,056.51 DIXON CA 95620 2 12/17/03 00 0419367925 05 02/01/04 0 0419367925 N 01/01/34 0 9011432 E22/G02 F 168,450.00 ZZ 360 168,282.31 1 6.000 1,009.94 79 5.750 1,009.94 BOISE ID 83709 2 12/29/03 00 0419371091 05 02/01/04 0 0419371091 O 01/01/34 0 9011436 E22/G02 F 152,000.00 ZZ 360 151,869.13 1 6.750 985.87 95 6.500 985.87 IVINS UT 84738 2 12/30/03 04 0419371927 05 02/01/04 30 0419371927 O 01/01/34 0 9011446 E22/G02 F 171,700.00 ZZ 360 171,524.94 1 5.875 1,015.67 93 5.625 1,015.67 RICHMOND VA 23227 2 12/29/03 10 0419376181 05 02/01/04 30 0419376181 O 01/01/34 0 9011448 E22/G02 F 280,000.00 ZZ 360 279,721.26 1 6.000 1,678.74 80 5.750 1,678.74 DURANGO CO 81301 2 12/30/03 00 0419299300 05 02/01/04 0 0419299300 O 01/01/34 0 9011466 E22/G02 F 168,000.00 ZZ 360 167,844.40 1 6.375 1,048.10 90 6.125 1,048.10 1 JUPITER FL 33477 5 12/29/03 10 0419309489 09 02/01/04 25 0419309489 O 01/01/34 0 9011526 E22/G02 F 144,000.00 TX 360 143,872.95 1 6.625 922.05 80 6.375 922.05 COPPELL TX 75019 5 12/30/03 00 0419339932 05 02/01/04 0 0419339932 O 01/01/34 0 9011552 E22/G02 F 94,800.00 ZZ 360 94,710.05 1 6.250 583.70 80 6.000 583.70 WENATCHEE WA 98801 1 12/31/03 00 0419271457 05 02/01/04 0 0419271457 N 01/01/34 0 9011578 E22/G02 F 102,400.00 ZZ 360 102,302.84 1 6.250 630.49 80 6.000 630.49 TULSA OK 74136 5 12/29/03 00 0419281696 05 02/01/04 0 0419281696 O 01/01/34 0 9011582 E22/G02 F 240,000.00 TX 360 239,777.71 1 6.375 1,497.29 80 6.125 1,497.29 AUSTIN TX 78701 5 12/29/03 00 0419283197 01 02/01/04 0 0419283197 O 01/01/34 0 9011584 E22/G02 F 125,500.00 ZZ 360 125,264.49 1 6.250 772.73 80 6.000 772.73 WALKER LA 70785 5 12/30/03 00 0419283213 05 02/01/04 0 0419283213 O 01/01/34 0 1 9011592 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 6.250 615.72 80 6.000 615.72 ANNISTON AL 36207 1 01/05/04 00 0419286505 05 03/01/04 0 0419286505 O 02/01/34 0 9011672 E22/G02 F 159,000.00 ZZ 360 158,856.26 1 6.500 1,004.99 67 6.250 1,004.99 CORAL SPRINGS FL 33065 5 12/30/03 00 0419228242 05 02/01/04 0 0419228242 O 01/01/34 0 9011708 E22/G02 F 148,500.00 ZZ 360 148,500.00 1 6.625 950.86 79 6.375 950.86 HOOD RIVER OR 97031 2 12/23/03 00 0419244728 05 03/01/04 0 0419244728 O 02/01/34 0 9011810 E22/G02 F 135,900.00 ZZ 240 135,601.48 1 5.875 963.86 80 5.625 963.86 PIGEON FORGE TN 37863 1 01/05/04 00 0419170691 03 02/01/04 0 0419170691 O 01/01/24 0 9011872 E22/G02 F 186,000.00 ZZ 240 185,591.44 1 5.875 1,319.18 47 5.625 1,319.18 MILTON MA 02186 5 12/30/03 00 0418627295 05 02/01/04 0 0418627295 O 01/01/24 0 9011888 E22/G02 F 280,000.00 ZZ 360 279,727.86 1 1 6.125 1,701.31 80 5.875 1,701.31 SANTA ROSA CA 95404 1 12/24/03 00 0418866141 05 02/01/04 0 0418866141 O 01/01/34 0 9011898 E22/G02 F 240,000.00 ZZ 360 239,793.36 3 6.750 1,556.64 75 6.500 1,556.64 NORTH BERGEN NJ 07047 1 01/05/04 00 0418909982 05 02/01/04 0 0418909982 N 01/01/34 0 9011912 E22/G02 F 322,000.00 ZZ 360 321,687.03 1 6.125 1,956.51 59 5.875 1,956.51 EAST HAMPTON NY 11937 5 12/29/03 00 0418965935 05 02/01/04 0 0418965935 O 01/01/34 0 9012012 E22/G02 F 132,750.00 ZZ 360 132,629.99 2 6.500 839.07 75 6.250 839.07 HOLLYWOOD FL 33021 1 01/05/04 00 0419337787 05 02/01/04 0 0419337787 N 01/01/34 0 9012808 H58/G02 F 217,000.00 ZZ 360 216,808.54 1 6.625 1,389.48 80 6.375 1,389.48 RIVERSIDE CA 92503 5 12/09/03 00 0437384167 05 02/01/04 0 0000199513 O 01/01/34 0 9013158 Y12/G02 F 272,000.00 ZZ 360 272,000.00 1 6.625 1,741.65 80 6.375 1,741.65 SPRINGFIELD PA 19064 1 01/13/04 00 0437334428 05 03/01/04 0 1 53679 O 02/01/34 0 9013822 P34/G02 F 178,200.00 ZZ 360 178,053.93 2 7.000 1,185.57 90 6.750 1,185.57 PROVIDENCE RI 02908 1 12/26/03 10 0437287691 05 02/01/04 25 62677 N 01/01/34 0 9013852 P34/G02 F 115,000.00 ZZ 360 114,900.99 2 6.750 745.89 57 6.500 745.89 KILLINGLY CT 06239 5 12/09/03 00 0437287535 05 02/01/04 0 62661 O 01/01/34 0 9013922 P34/G02 F 225,000.00 ZZ 360 224,796.59 1 6.500 1,422.16 90 6.250 1,422.16 JOHNSTON RI 02919 1 12/19/03 10 0437287873 05 02/01/04 30 62671 O 01/01/34 0 9014498 X89/G02 F 127,000.00 ZZ 360 126,879.49 1 6.250 781.97 72 6.000 781.97 MAITLAND FL 32751 5 12/29/03 00 0437287089 05 02/01/04 0 2021155 O 01/01/34 0 9014514 S27/G02 F 85,125.00 ZZ 360 85,053.48 1 6.875 559.22 75 6.625 559.22 GREENSBORO NC 27406 2 12/31/03 00 0437281504 05 02/01/04 0 1900007885 N 01/01/34 0 1 9014624 S27/G02 F 128,000.00 ZZ 360 127,872.57 1 6.000 767.43 80 5.750 767.43 COLUMBIA MD 21044 5 12/29/03 00 0437354715 09 02/01/04 0 1130017524 O 01/01/34 0 9015016 U85/G02 F 104,800.00 ZZ 360 104,709.77 4 6.750 679.73 80 6.500 679.73 DAVENPORT IA 52803 1 12/30/03 00 0437306541 05 02/01/04 0 TQSPILLA O 01/01/34 0 9015018 Q14/G02 F 232,000.00 ZZ 360 232,000.00 1 6.250 1,428.46 80 6.000 1,428.46 MESA AZ 85207 5 12/31/03 00 0437259872 05 03/01/04 0 8685520 O 02/01/34 0 9015302 Q87/G02 F 248,000.00 ZZ 360 247,781.20 1 6.625 1,587.97 85 6.375 1,587.97 TY TY GA 31795 5 12/23/03 10 0437260953 05 02/01/04 12 6720777922 O 01/01/34 0 9015628 E22/G02 F 115,200.00 ZZ 360 115,095.86 1 6.500 728.14 80 6.250 728.14 ALLEN TX 75002 5 12/30/03 00 0419374921 05 02/01/04 0 0419374921 O 01/01/34 0 9015630 E22/G02 F 177,000.00 ZZ 360 176,832.05 1 6.250 1,089.82 45 6.000 1,089.82 1 NORTHBROOK IL 60062 2 12/31/03 00 0419374947 01 02/01/04 0 0419374947 O 01/01/34 0 9015636 E22/G02 F 52,190.00 ZZ 360 52,142.82 1 6.500 329.88 85 6.250 329.88 HOUSTON TX 77003 1 01/06/04 01 0419378740 05 02/01/04 20 0419378740 N 01/01/34 0 9015652 E22/G02 F 40,375.00 ZZ 360 40,339.37 1 6.625 258.53 95 6.375 258.53 RAVIA OK 73455 2 12/31/03 01 0419386735 05 02/01/04 30 0419386735 O 01/01/34 0 9015654 E22/G02 F 109,800.00 ZZ 360 109,700.74 1 6.500 694.01 90 6.250 694.01 JUNCTION CITY CA 96048 5 12/22/03 04 0419387592 05 02/01/04 35 0419387592 O 01/01/34 0 9015738 E22/G02 F 163,988.00 TX 360 163,843.32 1 6.625 1,050.03 80 6.375 1,050.03 RIO FRIO TX 78873 5 12/29/03 00 0419164504 03 02/01/04 0 0419164504 O 01/01/34 0 9015772 E22/G02 F 173,750.00 ZZ 360 173,514.89 1 6.500 1,098.22 95 6.250 1,098.22 WILSON NC 27896 1 12/29/03 01 0419192091 05 02/01/04 30 0419192091 O 01/01/34 0 1 9015852 E22/G02 F 110,700.00 ZZ 360 110,700.00 2 6.875 727.22 90 6.625 727.22 AUSTIN TX 78702 1 01/05/04 01 0419453691 05 03/01/04 25 0419453691 N 02/01/34 0 9015872 E22/G02 F 106,000.00 ZZ 360 105,894.48 1 6.000 635.52 77 5.750 635.52 GLENDALE AZ 85304 2 12/23/03 00 0419460928 05 02/01/04 0 0419460928 O 01/01/34 0 9015890 E22/G02 F 248,000.00 ZZ 360 248,000.00 2 6.750 1,608.52 80 6.500 1,608.52 ANCHORAGE AK 99508 1 01/05/04 00 0419465877 05 03/01/04 0 0419465877 N 02/01/34 0 9015914 E22/G02 F 248,000.00 ZZ 360 248,000.00 2 6.750 1,608.52 80 6.500 1,608.52 ANCHORAGE AK 99508 1 01/05/04 00 0419483607 05 03/01/04 0 0419483607 N 02/01/34 0 9015918 E22/G02 F 248,000.00 ZZ 360 248,000.00 2 6.750 1,608.52 80 6.500 1,608.52 ANCHORAGE AK 99508 1 01/05/04 00 0419483680 05 03/01/04 0 0419483680 N 02/01/34 0 9016006 E22/G02 F 92,000.00 ZZ 360 91,914.79 1 1 6.375 573.96 80 6.125 573.96 CHARLOTTE NC 28227 5 12/31/03 00 0419427273 05 02/01/04 0 0419427273 O 01/01/34 0 9016024 408/G02 F 60,325.00 ZZ 360 60,266.36 1 6.125 366.55 95 5.875 366.55 SHEFFIELD AL 35660 2 12/29/03 04 0437272701 05 02/01/04 30 703039607 O 01/01/34 0 9016052 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 6.875 656.93 38 6.625 656.93 CLIO MI 48420 5 01/06/04 00 0419325782 05 03/01/04 0 0419325782 N 02/01/34 0 9016058 E22/G02 F 66,000.00 ZZ 360 65,941.77 1 6.625 422.61 70 6.375 422.61 MONTEVALLO AL 35115 2 12/31/03 00 0419326319 05 02/01/04 0 0419326319 O 01/01/34 0 9016078 E22/G02 F 121,500.00 ZZ 360 121,381.91 1 6.125 738.25 63 5.875 738.25 SUWANEE GA 30024 2 12/31/03 00 0419336821 03 02/01/04 0 0419336821 O 01/01/34 0 9016306 H93/G02 F 37,500.00 ZZ 360 37,469.26 1 7.000 249.49 75 6.750 249.49 KANSAS CITY MO 64110 1 12/15/03 00 0437275837 05 02/01/04 0 1 JMS1145 N 01/01/34 0 9016326 M82/G02 F 200,000.00 ZZ 360 199,810.23 1 6.250 1,231.44 80 6.000 1,231.44 OXFORD GA 30054 5 12/22/03 00 0437330210 05 02/01/04 0 10511 O 01/01/34 0 9016368 H93/G02 F 56,000.00 ZZ 360 55,954.10 1 7.000 372.57 80 6.750 372.57 KANSAS CITY MO 64127 1 12/15/03 00 0437256928 05 02/01/04 0 2003001570 N 01/01/34 0 9016470 N74/G02 F 52,650.00 ZZ 360 52,604.67 1 6.750 341.49 90 6.500 341.49 RICHMOND VA 23224 1 12/31/03 10 0437259369 05 02/01/04 25 33975010 N 01/01/34 0 9016990 A50/G02 F 280,250.00 ZZ 360 280,002.73 1 6.625 1,794.48 95 6.375 1,794.48 JACKSONVILLE FL 32223 2 12/19/03 11 0437290141 03 02/01/04 30 02042612 O 01/01/34 0 9017018 U05/G02 F 94,500.00 ZZ 360 94,420.61 3 6.875 620.80 90 6.625 620.80 RIVER ROUGE MI 48218 1 12/18/03 25 0437262538 05 02/01/04 25 3444317 N 01/01/34 0 1 9017086 758/G02 F 69,750.00 ZZ 360 69,691.40 1 6.875 458.21 90 6.625 458.21 BRYAN TX 77803 1 12/23/03 04 0437256027 05 02/01/04 25 202477 N 01/01/34 0 9019258 A03/G02 F 195,000.00 ZZ 360 194,827.95 1 6.625 1,248.61 80 6.375 1,248.61 CANTON MI 48187 5 12/19/03 00 0437289192 05 02/01/04 0 00031224438 O 01/01/34 0 9019626 E40/G02 F 277,425.00 ZZ 360 277,425.00 3 6.250 1,708.15 75 6.000 1,708.15 BEVERLY MA 01915 1 01/06/04 00 0437288111 05 03/01/04 0 200302445 O 02/01/34 0 9019774 B23/G02 F 283,500.00 ZZ 360 283,267.62 1 7.000 1,886.13 90 6.750 1,886.13 MONTCLAIR CA 91763 1 12/24/03 11 0437265564 05 02/01/04 25 80004843 O 01/01/34 0 9020098 M37/G02 F 158,400.00 ZZ 360 158,266.92 2 6.875 1,040.58 90 6.625 1,040.58 FLAGSTAFF AZ 86004 1 12/19/03 04 0437263148 05 02/01/04 25 616514 N 01/01/34 0 9020202 E44/G02 F 120,000.00 ZZ 360 119,896.68 1 6.750 778.32 49 6.500 778.32 1 HUNTSVILLE UT 84317 2 12/30/03 00 0437266075 05 02/01/04 0 58030596 N 01/01/34 0 9020358 M07/G02 F 156,400.00 ZZ 360 156,400.00 1 6.250 962.98 80 6.000 962.98 DESERT HOT SPRI CA 92240 1 01/02/04 00 0437321797 05 03/01/04 0 02312190 O 02/01/34 0 9020662 G51/G02 F 148,000.00 ZZ 360 147,862.92 1 6.375 923.33 78 6.125 923.33 COLORADO SPRING CO 80918 5 12/26/03 00 0437258973 05 02/01/04 0 04000944 O 01/01/34 0 9020950 N34/G02 F 267,750.00 ZZ 360 267,750.00 1 6.750 1,736.62 90 6.500 1,736.62 SCHEREVILLE IN 46375 1 01/07/04 10 0437265614 05 03/01/04 25 124477101 O 02/01/34 0 9021244 642/G02 F 72,250.00 ZZ 360 72,189.30 1 6.875 474.63 85 6.625 474.63 RALEIGH NC 27616 5 12/29/03 11 0437270093 09 02/01/04 12 11161903 O 01/01/34 0 9021334 G34/G02 F 167,850.00 ZZ 360 167,705.49 1 6.750 1,088.67 90 6.500 1,088.67 ANTHEM AZ 85086 1 12/12/03 10 0437361611 03 02/01/04 25 77309243 N 01/01/34 0 1 9021448 E57/G02 F 200,000.00 ZZ 360 199,814.76 1 6.375 1,247.74 77 6.125 1,247.74 LYNWOOD CA 90262 2 12/03/03 00 0437309776 05 02/01/04 0 06020406 O 01/01/34 0 9021666 E22/G02 F 202,450.00 ZZ 360 202,450.00 1 6.375 1,263.02 80 6.125 1,263.02 SEATTLE WA 98115 1 01/05/04 00 0419491550 05 03/01/04 0 0419491550 O 02/01/34 0 9021670 E22/G02 F 292,140.00 ZZ 360 291,869.42 2 6.375 1,822.57 78 6.125 1,822.57 AUSTIN TX 78703 2 01/06/04 00 0419468400 05 02/01/04 0 0419468400 N 01/01/34 0 9021700 E22/G02 F 117,000.00 ZZ 360 116,904.10 1 7.000 778.40 90 6.750 778.40 ECLECTIC AL 36024 5 01/02/04 04 0419168794 05 02/01/04 25 0419168794 O 01/01/34 0 9021730 E22/G02 F 156,800.00 ZZ 360 156,640.14 1 5.875 927.53 80 5.625 927.53 AURORA CO 80011 2 12/26/03 00 0419252523 05 02/01/04 0 0419252523 O 01/01/34 0 9021780 E22/G02 F 78,000.00 ZZ 360 78,000.00 1 1 6.375 486.62 80 6.125 486.62 NORTH LAS VEGAS NV 89030 2 12/31/03 00 0419359641 05 03/01/04 0 0419359641 N 02/01/34 0 9021786 E22/G02 F 280,000.00 ZZ 360 280,000.00 1 6.375 1,746.84 80 6.125 1,746.84 DURANGO CO 81301 1 01/07/04 00 0419365465 05 03/01/04 0 0419365465 N 02/01/34 0 9021800 E22/G02 F 322,700.00 ZZ 360 322,378.75 1 6.000 1,934.75 42 5.750 1,934.75 GRANITE BAY CA 95746 5 12/26/03 00 0419379888 05 02/01/04 0 0419379888 O 01/01/34 0 9021804 E22/G02 F 187,500.00 ZZ 360 187,500.00 1 6.500 1,185.13 75 6.250 1,185.13 LA PUENTE CA 91744 5 12/31/03 00 0419382205 05 03/01/04 0 0419382205 O 02/01/34 0 9021818 E22/G02 F 108,800.00 ZZ 360 108,800.00 1 6.000 652.31 80 5.750 652.31 ANNISTON AL 36207 1 01/07/04 00 0419391180 05 03/01/04 0 0419391180 O 02/01/34 0 9021836 E22/G02 F 172,000.00 ZZ 360 171,832.83 1 6.125 1,045.09 80 5.875 1,045.09 SAN ANTONIO TX 78209 5 12/31/03 00 0419403951 03 02/01/04 0 1 0419403951 O 01/01/34 0 9021838 E22/G02 F 98,500.00 ZZ 360 98,500.00 1 6.250 606.48 80 6.000 606.48 THE COLONY TX 75056 2 01/07/04 00 0419407648 05 03/01/04 0 0419407648 N 02/01/34 0 9021842 E22/G02 F 242,250.00 ZZ 360 242,250.00 1 6.500 1,531.18 95 6.250 1,531.18 NASHVILLE NC 27856 1 01/07/04 01 0419410840 05 03/01/04 30 0419410840 O 02/01/34 0 9021852 E22/G02 F 53,820.00 ZZ 360 53,820.00 1 6.750 349.08 90 6.500 349.08 MARTINEZ GA 30907 2 01/07/04 10 0419412317 05 03/01/04 25 0419412317 N 02/01/34 0 9021860 E22/G02 F 68,850.00 ZZ 360 68,850.00 1 6.000 412.79 90 5.750 412.79 SOUTH BEND IN 46614 1 01/07/04 04 0419417316 05 03/01/04 25 0419417316 N 02/01/34 0 9021890 E22/G02 F 245,000.00 ZZ 360 245,000.00 1 6.000 1,468.90 34 5.750 1,468.90 HEALDSBURG CA 95448 5 12/30/03 00 0419438312 05 03/01/04 0 0419438312 O 02/01/34 0 1 9021892 E22/G02 F 264,800.00 ZZ 360 264,800.00 1 7.000 1,761.72 80 6.750 1,761.72 ENGLEWOOD CO 80111 1 01/07/04 00 0419438361 05 03/01/04 0 0419438361 N 02/01/34 0 9021896 E22/G02 F 47,000.00 ZZ 360 46,962.41 1 7.125 316.65 73 6.875 316.65 SPOKANE WA 99207 2 12/29/03 00 0419441803 05 02/01/04 0 0419441803 N 01/01/34 0 9021906 G34/G02 F 164,390.00 ZZ 360 164,241.39 1 6.500 1,039.06 80 6.250 1,039.06 NUEVO CA 92567 1 12/05/03 00 0437264260 03 02/01/04 0 41002055 O 01/01/34 0 9021918 E22/G02 F 67,000.00 ZZ 360 66,837.95 1 6.375 417.99 73 6.125 417.99 LARGO FL 33773 2 01/07/04 00 0419498084 05 02/01/04 0 0419498084 N 01/01/34 0 9021928 E22/G02 F 78,600.00 ZZ 360 78,600.00 2 6.875 516.35 78 6.625 516.35 PUEBLO CO 81001 2 01/07/04 00 0419505607 05 03/01/04 0 0419505607 N 02/01/34 0 9021966 E22/G02 F 88,500.00 ZZ 360 88,409.77 1 5.875 523.51 60 5.625 523.51 1 RIVER PINES CA 95675 5 12/19/03 00 0419300025 05 02/01/04 0 0419300025 O 01/01/34 0 9021974 E22/G02 F 114,930.00 ZZ 360 114,930.00 1 6.250 707.64 90 6.000 707.64 MEMPHIS TN 38116 5 01/02/04 10 0419304571 05 03/01/04 25 0419304571 O 02/01/34 0 9021980 E22/G02 F 132,300.00 ZZ 360 132,300.00 1 6.500 836.23 90 6.250 836.23 CLINTON TWP NJ 08801 1 01/07/04 01 0419310206 01 03/01/04 25 0419310206 N 02/01/34 0 9021998 E22/G02 F 132,000.00 ZZ 360 131,889.10 2 6.875 867.15 80 6.625 867.15 HALLANDALE FL 33009 2 01/07/04 00 0419319108 05 02/01/04 0 0419319108 N 01/01/34 0 9022026 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.125 1,215.22 71 5.875 1,215.22 JUPITER FL 33458 2 01/02/04 00 0419040761 03 03/01/04 0 0419040761 O 02/01/34 0 9022036 E22/G02 F 200,480.00 ZZ 360 200,480.00 4 6.875 1,317.01 90 6.625 1,317.01 SPRINGHILL UNIT FL 34606 1 01/07/04 01 0419088588 05 03/01/04 25 0419088588 N 02/01/34 0 1 9022048 E22/G02 F 160,000.00 ZZ 360 159,851.81 1 6.375 998.19 73 6.125 998.19 HIALEAH FL 33012 5 01/02/04 00 0419136239 05 02/01/04 0 0419136239 O 01/01/34 0 9022080 952/G02 F 270,000.00 ZZ 360 269,799.62 2 7.500 1,887.88 90 7.250 1,887.88 PERTH AMBOY NJ 08861 1 12/31/03 01 0437277478 05 02/01/04 25 03530420 O 01/01/34 0 9022142 P01/G02 F 112,500.00 ZZ 360 112,407.78 1 7.000 748.47 90 6.750 748.47 RED HOOK NY 12571 1 12/17/03 10 0437264757 05 02/01/04 25 03005337 O 01/01/34 0 9022146 E82/G02 F 84,000.00 ZZ 360 84,000.00 1 7.500 587.34 94 7.250 587.34 CHATTANOOGA TN 37412 2 01/05/04 10 0400922472 05 03/01/04 30 0400922472 O 02/01/34 0 9022156 P01/G02 F 126,000.00 ZZ 360 125,906.49 4 7.500 881.01 90 7.250 881.01 TROY NY 12180 1 12/31/03 10 0437267339 05 02/01/04 25 038610 N 01/01/34 0 9023100 Q57/G02 F 306,000.00 ZZ 360 305,709.66 3 1 6.250 1,884.09 65 6.000 1,884.09 SANTA ANA CA 92701 2 12/16/03 00 0437271224 05 02/01/04 0 48401128 N 01/01/34 0 9024102 N74/G02 F 295,000.00 ZZ 360 294,720.09 1 6.250 1,816.37 85 6.000 1,816.37 STAFFORD VA 22554 5 12/30/03 10 0437298540 03 02/05/04 12 0033958010 O 01/05/34 0 9024182 P44/G02 F 175,000.00 ZZ 360 175,000.00 1 6.625 1,120.54 63 6.375 1,120.54 SWANZEY NH 03446 5 12/30/03 00 0437267438 05 03/01/04 0 0312120005 O 02/01/34 0 9025108 H49/G02 F 45,000.00 ZZ 360 45,000.00 1 7.250 306.98 67 7.000 306.98 MANHATTAN KS 66503 5 01/20/04 00 0437372998 05 03/01/04 0 546194306 N 02/01/34 0 9025294 Q57/G02 F 111,200.00 ZZ 360 111,108.85 1 7.000 739.82 80 6.750 739.82 SALISBURY MD 21801 2 12/18/03 00 0437275589 05 02/01/04 0 52601470 O 01/01/34 0 9025298 Q57/G02 F 220,000.00 ZZ 360 219,801.12 1 6.500 1,390.55 62 6.250 1,390.55 ANAHEIM CA 92802 5 12/23/03 00 0437264799 05 02/01/04 0 1 48401102 O 01/01/34 0 9025542 E22/G02 F 120,000.00 ZZ 360 120,000.00 1 6.250 738.86 80 6.000 738.86 EASTPOINTE MI 48021 1 01/08/04 00 0419502786 05 03/01/04 0 0419502786 O 02/01/34 0 9025548 E22/G02 F 110,250.00 ZZ 360 110,250.00 1 6.375 687.82 90 6.125 687.82 EASTPOINTE MI 48021 1 01/08/04 01 0419506381 05 03/01/04 35 0419506381 O 02/01/34 0 9025566 E22/G02 F 80,000.00 ZZ 360 80,000.00 1 6.000 479.64 80 5.750 479.64 LONGVIEW TX 75602 1 01/08/04 00 0419382676 05 03/01/04 0 0419382676 O 02/01/34 0 9025610 E22/G02 F 50,000.00 ZZ 360 50,000.00 1 7.000 332.65 90 6.750 332.65 BAY CITY MI 48708 1 01/08/04 01 0419399332 05 03/01/04 25 0419399332 N 02/01/34 0 9025618 E22/G02 F 105,000.00 ZZ 360 105,000.00 1 6.000 629.53 45 5.750 629.53 KELSEYVILLE CA 95451 1 12/30/03 00 0419408307 05 03/01/04 0 0419408307 O 02/01/34 0 1 9025620 E22/G02 F 104,000.00 ZZ 360 104,000.00 1 6.625 665.92 80 6.375 665.92 BIRMINGHAM AL 35235 2 01/08/04 00 0419416953 05 03/01/04 0 0419416953 N 02/01/34 0 9025642 E22/G02 F 121,950.00 ZZ 360 121,950.00 3 6.875 801.12 90 6.625 801.12 CHATTANOOGA TN 37412 1 01/08/04 10 0418716197 05 03/01/04 25 0418716197 N 02/01/34 0 9025644 E22/G02 F 87,500.00 ZZ 360 87,426.49 1 6.875 574.81 70 6.625 574.81 BREMERTON WA 98312 5 12/26/03 00 0418593604 05 02/01/04 0 0418593604 N 01/01/34 0 9025646 E22/G02 F 202,000.00 ZZ 360 201,798.91 1 6.000 1,211.09 80 5.750 1,211.09 WESTMISTER CO 80020 1 01/08/04 00 0418740221 03 02/01/04 0 0418740221 O 01/01/34 0 9025674 E22/G02 F 264,000.00 ZZ 360 264,000.00 1 6.625 1,690.42 80 6.375 1,690.42 STERLING VA 20164 1 01/08/04 00 0419115506 05 03/01/04 0 0419115506 O 02/01/34 0 9025704 E22/G02 F 204,000.00 ZZ 360 204,000.00 2 5.875 1,206.74 39 5.625 1,206.74 1 DALY CITY CA 94014 2 12/26/03 00 0419251418 05 03/01/04 0 0419251418 O 02/01/34 0 9025716 E22/G02 F 166,250.00 ZZ 360 166,250.00 2 6.250 1,023.63 95 6.000 1,023.63 DALLAS TX 75218 1 01/09/04 04 0419287362 05 03/01/04 30 0419287362 O 02/01/34 0 9025738 E22/G02 F 110,000.00 ZZ 360 110,000.00 1 6.750 713.46 80 6.500 713.46 MIAMI FL 33189 1 01/08/04 00 0419318985 07 03/01/04 0 0419318985 N 02/01/34 0 9025824 E22/G02 F 236,000.00 ZZ 360 235,806.56 1 7.000 1,570.11 91 6.750 1,570.11 SPANISH FORK UT 84660 2 12/24/03 10 0419500640 05 02/01/04 30 0419500640 O 01/01/34 0 9025890 U05/G02 F 73,500.00 ZZ 360 73,430.26 1 6.250 452.55 80 6.000 452.55 VERMILION OH 44089 5 12/23/03 00 0437267982 05 02/01/04 0 3451047 O 01/01/34 0 9025974 Q73/G02 F 279,400.00 ZZ 360 279,153.49 1 6.625 1,789.03 82 6.375 1,789.03 FLOWOOD MS 39232 4 12/24/03 11 0437275902 05 02/01/04 12 3037902 O 01/01/34 0 1 9026112 X67/G02 F 137,500.00 ZZ 360 137,390.05 1 7.125 926.36 68 6.875 926.36 VALLEJO CA 94590 5 12/30/03 00 0437329998 05 02/01/04 0 0000434881 N 01/01/34 0 9026266 W08/G02 F 145,000.00 ZZ 360 144,868.92 2 6.500 916.50 79 6.250 916.50 MIAMI FL 33133 1 12/31/03 00 0437362049 05 02/01/04 0 03419MG N 01/01/34 0 9026374 U05/G02 F 89,800.00 ZZ 360 89,726.39 1 7.000 597.44 78 6.750 597.44 GARLAND TX 75044 2 12/31/03 00 0437275480 05 02/01/04 0 3404967 O 01/01/34 0 9026392 U35/G02 F 170,910.00 ZZ 360 170,910.00 1 7.375 1,180.43 90 7.125 1,180.43 SOUTH HOLLAND IL 60473 1 01/08/04 01 0437309990 05 03/01/04 25 14520558 N 02/01/34 0 9026446 F64/G02 F 70,000.00 ZZ 360 69,946.74 4 7.375 483.47 70 7.125 483.47 NORFOLK VA 23518 1 12/19/03 00 0437272263 05 02/01/04 0 WALKE5800001191 N 01/01/34 0 9026466 253/253 F 204,200.00 TX 360 204,006.25 1 1 6.250 1,257.29 72 6.000 1,257.29 GRANBURY TX 76049 5 12/31/03 00 335107 03 02/01/04 0 335107 O 01/01/34 0 9026508 X81/G02 F 176,000.00 ZZ 360 176,000.00 1 6.750 1,141.53 79 6.500 1,141.53 NEW RICHMOND WI 54017 5 01/02/04 00 0437279425 05 03/01/04 0 9540951620 O 02/01/34 0 9026544 S43/G02 F 272,800.00 ZZ 360 272,800.00 1 6.375 1,701.92 80 6.125 1,701.92 PUEBLO WEST CO 81007 2 01/06/04 00 0437274640 05 03/01/04 0 000030017000 O 02/01/34 0 9027086 G34/G02 F 225,000.00 ZZ 360 224,592.10 1 6.500 1,422.15 54 6.250 1,422.15 SAN GABRIEL CA 91775 5 11/19/03 00 0437286529 05 01/01/04 0 41002188 O 12/01/33 0 9027474 B43/G02 F 100,000.00 TX 360 99,907.38 1 6.375 623.87 80 6.125 623.87 CONROE TX 77385 5 12/22/03 00 0437274749 05 02/01/04 0 41944 O 01/01/34 0 9028028 U05/G02 F 96,000.00 TX 360 95,917.35 1 6.750 622.65 80 6.500 622.65 SAN ANTONIO TX 78254 5 12/31/03 00 0437272750 03 02/01/04 0 1 3000445702 O 01/01/34 0 9028552 U19/G02 F 104,130.00 ZZ 360 104,130.00 1 6.250 641.15 89 6.000 641.15 PHEONIX AZ 85006 5 01/02/04 01 0437301633 05 03/01/04 30 11002862 O 02/01/34 0 9028580 253/253 F 85,600.00 ZZ 360 85,452.19 1 6.750 555.20 80 6.500 555.20 CINCINNATI OH 45224 2 11/28/03 00 335641 05 01/01/04 0 335641 O 12/01/33 0 9028644 T53/G02 F 175,000.00 ZZ 360 174,833.95 1 6.250 1,077.51 77 6.000 1,077.51 ONTARIO CA 91762 5 12/24/03 00 0437277379 05 02/01/04 0 31002511 O 01/01/34 0 9028652 Q87/G02 F 192,500.00 ZZ 360 192,166.38 1 6.750 1,248.55 77 6.500 1,248.55 BRYAN TX 77808 2 12/16/03 00 0437348386 05 01/22/04 0 PRRO03 O 12/22/33 0 9028824 F44/G02 F 160,000.00 ZZ 360 159,553.06 1 6.375 998.19 48 6.125 998.19 EAST ROCKAWAY NY 11518 2 10/24/03 00 0437313547 05 12/01/03 0 53007310 O 11/01/33 0 1 9029046 N74/G02 F 130,000.00 ZZ 360 129,764.32 1 6.500 821.69 76 6.250 821.69 CONWAY SC 29527 2 12/22/03 00 0437281843 05 01/29/04 0 2200001588 O 12/29/33 0 9029048 U05/G02 F 261,500.00 ZZ 360 261,500.00 1 6.375 1,631.42 63 6.125 1,631.42 MAMMOTH LAKES CA 93546 1 01/01/04 00 0437278278 01 03/01/04 0 3450599 N 02/01/34 0 9029288 E22/G02 F 273,029.00 ZZ 360 273,029.00 1 5.875 1,615.07 80 5.625 1,615.07 DULUTH GA 30096 1 01/09/04 00 0419506159 03 03/01/04 0 0419506159 O 02/01/34 0 9029302 E22/G02 F 148,800.00 ZZ 360 148,800.00 1 6.750 965.11 80 6.500 965.11 MINNEAPOLIS MN 55414 1 01/09/04 00 0419518303 05 03/01/04 0 0419518303 N 02/01/34 0 9029314 E22/G02 F 159,600.00 ZZ 360 159,600.00 1 6.500 1,008.78 95 6.250 1,008.78 OLATHE KS 66062 1 01/09/04 01 0419526645 09 03/01/04 30 0419526645 O 02/01/34 0 9029318 E22/G02 F 210,000.00 ZZ 360 210,000.00 1 6.250 1,293.01 80 6.000 1,293.01 1 MYRTLE BEACH SC 29577 1 01/09/04 00 0419550975 03 03/01/04 0 0419550975 O 02/01/34 0 9029322 E22/G02 F 264,000.00 ZZ 360 263,755.48 1 6.375 1,647.02 79 6.125 1,647.02 SANDPOINT ID 83864 1 12/29/03 00 0419478235 05 02/01/04 0 0419478235 O 01/01/34 0 9029342 E22/G02 F 91,700.00 ZZ 360 91,700.00 1 6.500 579.61 77 6.250 579.61 ALVIN TX 77511 2 01/09/04 00 0419494604 03 03/01/04 0 0419494604 N 02/01/34 0 9029354 E22/G02 F 27,000.00 ZZ 360 27,000.00 1 6.375 168.44 75 6.125 168.44 TOLEDO OH 43605 5 01/09/04 00 0419502091 05 03/01/04 0 0419502091 N 02/01/34 0 9029416 E22/G02 F 320,000.00 ZZ 360 319,681.44 1 6.000 1,918.56 80 5.750 1,918.56 TRACY CA 95304 2 12/30/03 00 0419455571 05 02/01/04 0 0419455571 O 01/01/34 0 9029428 E22/G02 F 242,000.00 ZZ 360 242,000.00 1 6.375 1,509.77 100 6.125 1,509.77 YUBA CITY CA 95993 2 01/02/04 01 0419465976 05 03/01/04 35 0419465976 O 02/01/34 0 1 9029438 F36/G02 F 137,363.00 ZZ 360 137,253.15 1 7.125 925.44 80 6.875 925.44 TACOMA WA 98422 1 12/23/03 00 0437282106 05 02/01/04 0 06407792 N 01/01/34 0 9029460 E22/G02 F 122,200.00 ZZ 360 122,200.00 1 7.000 813.00 73 6.750 813.00 GOOSE CREEK SC 29445 2 01/09/04 00 0419412762 03 03/01/04 0 0419412762 N 02/01/34 0 9029462 E82/G02 F 99,500.00 T 360 99,500.00 1 7.250 678.77 60 7.000 678.77 PHOENIX AZ 85022 5 01/12/04 00 0400933792 05 03/01/04 0 0400933792 O 02/01/34 0 9029476 E82/G02 F 125,000.00 ZZ 360 125,000.00 1 6.625 800.39 56 6.375 800.39 MIAMI FL 33137 5 01/05/04 00 0400929576 06 03/01/04 0 0400929576 O 02/01/34 0 9029500 E22/G02 F 80,800.00 ZZ 360 80,800.00 1 6.250 497.50 80 6.000 497.50 SAINT PETERSBUR FL 33702 5 01/05/04 00 0419427539 05 03/01/04 0 0419427539 O 02/01/34 0 9029514 E22/G02 F 245,000.00 ZZ 360 245,000.00 1 1 6.375 1,528.48 95 6.125 1,528.48 SACRAMENTO CA 95820 5 12/30/03 04 0419379987 05 03/01/04 30 0419379987 O 02/01/34 0 9029520 E22/G02 F 89,100.00 ZZ 360 89,100.00 1 6.125 541.38 90 5.875 541.38 FLORENCE AL 35630 5 01/05/04 11 0419385570 05 03/01/04 22 0419385570 O 02/01/34 0 9029524 E22/G02 F 78,000.00 ZZ 360 78,000.00 1 7.000 518.94 88 6.750 518.94 ROCKFORD IA 50468 5 01/05/04 10 0419386719 05 03/01/04 25 0419386719 O 02/01/34 0 9029538 E22/G02 F 157,250.00 ZZ 360 157,250.00 3 7.000 1,046.19 85 6.750 1,046.19 DEPTFORD NJ 08090 1 01/09/04 01 0419399134 05 03/01/04 20 0419399134 N 02/01/34 0 9029544 E22/G02 F 132,000.00 T 360 132,000.00 1 6.250 812.75 80 6.000 812.75 MANCHESTER NJ 08759 1 01/09/04 00 0419401427 01 03/01/04 0 0419401427 O 02/01/34 0 9029550 E22/G02 F 139,000.00 TX 360 139,000.00 1 6.250 855.85 52 6.000 855.85 FRISCO TX 75034 5 01/05/04 00 0419405493 05 03/01/04 0 1 0419405493 O 02/01/34 0 9029564 E22/G02 F 185,000.00 ZZ 360 185,000.00 1 6.625 1,184.58 58 6.375 1,184.58 LOS ANGELES CA 90016 5 01/06/04 00 0419351408 05 03/01/04 0 0419351408 N 02/01/34 0 9029574 E22/G02 F 130,500.00 ZZ 360 130,500.00 1 6.375 814.15 90 6.125 814.15 PUEBLO CO 81001 2 01/09/04 01 0419355110 05 03/01/04 25 0419355110 N 02/01/34 0 9029578 E22/G02 F 78,000.00 ZZ 360 78,000.00 1 6.375 486.62 80 6.125 486.62 NORTH LAS VEGAS NV 89030 2 01/02/04 00 0419356696 05 03/01/04 0 0419356696 N 02/01/34 0 9029582 E22/G02 F 248,000.00 ZZ 360 248,000.00 2 6.875 1,629.18 80 6.625 1,629.18 CHICAGO IL 60646 2 01/09/04 00 0419359658 05 03/01/04 0 0419359658 N 02/01/34 0 9029594 E22/G02 F 125,000.00 ZZ 360 125,000.00 1 6.500 790.09 80 6.250 790.09 COMMERCE TOWNSH MI 48382 2 01/05/04 00 0419370069 05 03/01/04 0 0419370069 O 02/01/34 0 1 9029598 E22/G02 F 120,000.00 ZZ 360 120,000.00 1 6.375 748.64 80 6.125 748.64 WEST PALM BEACH FL 33417 2 01/05/04 00 0419283635 05 03/01/04 0 0419283635 O 02/01/34 0 9029610 E22/G02 F 144,000.00 ZZ 360 144,000.00 4 6.750 933.98 90 6.500 933.98 LOUISVILLE KY 40217 1 01/09/04 01 0419318035 05 03/01/04 25 0419318035 N 02/01/34 0 9029648 E22/G02 F 42,300.00 ZZ 240 42,088.53 1 7.250 334.33 54 7.000 334.33 PHARR TX 78577 2 12/31/03 00 0419341151 05 02/01/04 0 0419341151 O 01/01/24 0 9029668 E22/G02 F 98,950.00 ZZ 360 98,950.00 1 6.250 609.25 90 6.000 609.25 EL PASO TX 79928 1 01/09/04 01 0419236005 03 03/01/04 25 0419236005 O 02/01/34 0 9029674 E22/G02 F 148,000.00 ZZ 360 148,000.00 2 6.625 947.66 80 6.375 947.66 BRIDGEPORT CT 06610 1 01/09/04 00 0419244876 05 03/01/04 0 0419244876 O 02/01/34 0 9029680 E22/G02 F 67,200.00 ZZ 360 67,200.00 1 7.375 464.13 80 7.125 464.13 1 STANFORD KY 40484 5 01/09/04 00 0419258603 05 03/01/04 0 0419258603 N 02/01/34 0 9029684 E22/G02 F 135,600.00 ZZ 360 135,600.00 1 6.250 834.91 85 6.000 834.91 NORTH RIDGEVILL OH 44039 2 01/05/04 01 0419273198 05 03/01/04 12 0419273198 O 02/01/34 0 9029808 E22/G02 F 121,600.00 ZZ 360 121,600.00 1 6.125 738.85 80 5.875 738.85 ORTONVILLE MN 56278 5 01/05/04 00 0419195979 05 03/01/04 0 0419195979 O 02/01/34 0 9029816 E22/G02 F 160,600.00 ZZ 360 160,600.00 2 6.750 1,041.65 60 6.500 1,041.65 SACRAMENTO CA 95828 2 01/02/04 00 0419206115 05 03/01/04 0 0419206115 N 02/01/34 0 9029820 E22/G02 F 285,000.00 ZZ 360 285,000.00 1 6.750 1,848.50 75 6.500 1,848.50 DALLAS TX 75209 1 01/09/04 00 0419208335 05 03/01/04 0 0419208335 N 02/01/34 0 9029822 E22/G02 F 50,000.00 ZZ 360 50,000.00 1 6.375 311.93 80 6.125 311.93 TOLEDO OH 43605 2 01/09/04 00 0419208426 05 03/01/04 0 0419208426 N 02/01/34 0 1 9029826 E22/G02 F 37,500.00 ZZ 360 37,500.00 1 6.375 233.95 75 6.125 233.95 TOLEDO OH 43605 5 01/09/04 00 0419209572 05 03/01/04 0 0419209572 N 02/01/34 0 9029828 E22/G02 F 289,600.00 ZZ 360 289,600.00 1 6.375 1,806.73 80 6.125 1,806.73 PICKERINGTON OH 43147 2 01/05/04 00 0419210349 05 03/01/04 0 0419210349 O 02/01/34 0 9029832 E22/G02 F 36,500.00 ZZ 360 36,500.00 1 6.375 227.71 71 6.125 227.71 TOLEDO OH 43605 2 01/09/04 00 0419212238 05 03/01/04 0 0419212238 N 02/01/34 0 9029854 E22/G02 F 83,200.00 ZZ 360 83,200.00 1 7.250 567.57 80 7.000 567.57 PALM COAST FL 32137 1 01/08/04 00 0419284708 03 03/01/04 0 0419284708 N 02/01/34 0 9030406 K15/G02 F 62,000.00 TX 360 62,000.00 1 6.000 371.72 66 5.750 371.72 MISSOURI CITY TX 77489 5 01/02/04 00 0437294127 05 03/01/04 0 017805515093 O 02/01/34 0 9030806 T23/G02 F 216,001.00 ZZ 360 215,815.03 1 1 6.750 1,400.98 90 6.500 1,400.98 UNION KY 41091 1 12/29/03 11 0437353576 03 02/01/04 25 7164 N 01/01/34 0 9030930 Q57/G02 F 125,970.00 ZZ 360 125,970.00 1 6.875 827.53 95 6.625 827.53 BELLWOOD IL 60104 1 01/05/04 14 0437280928 05 03/01/04 30 36002372 O 02/01/34 0 9030968 G33/G02 F 128,000.00 TX 360 128,000.00 1 6.875 840.87 80 6.625 840.87 MAGNOLIA TX 77355 5 01/05/04 00 0437285000 05 03/01/04 0 816550 O 02/01/34 0 9030970 G34/G02 F 186,200.00 ZZ 360 185,878.47 2 6.750 1,207.69 95 6.500 1,207.69 SALEM OR 97302 1 11/24/03 11 0437277973 05 01/01/04 30 48001471 O 12/01/33 0 9031098 S27/G02 F 45,000.00 ZZ 360 45,000.00 1 6.750 291.87 75 6.500 291.87 WINSTON SALEM NC 27107 1 01/08/04 00 0437294804 05 03/01/04 0 818123 N 02/01/34 0 9031128 U42/G02 F 225,000.00 TX 360 224,801.49 1 6.625 1,440.70 67 6.375 1,440.70 AUSTIN TX 78704 5 12/24/03 00 0437276827 05 02/01/04 0 1 818123 O 01/01/34 0 9031132 B39/G02 F 216,000.00 ZZ 360 216,000.00 1 6.375 1,347.56 80 6.125 1,347.56 CANNON FALLS MN 55009 5 01/07/04 00 0437356199 05 03/01/04 0 2004 O 02/01/34 0 9031176 B39/G02 F 245,250.00 ZZ 360 245,250.00 1 6.750 1,590.69 90 6.500 1,590.69 HUDSON WI 54016 1 01/12/04 12 0437275886 05 03/01/04 25 2004800016F O 02/01/34 0 9031342 F96/G02 F 61,600.00 ZZ 360 61,548.25 1 6.875 404.67 80 6.625 404.67 WILMINGTON DE 19801 1 12/31/03 00 0437289374 07 02/01/04 0 502700073 N 01/01/34 0 9031432 H93/G02 F 38,000.00 ZZ 360 38,000.00 1 6.625 243.32 53 6.375 243.32 KANSAS CITY KS 66101 2 01/12/04 00 0437357692 05 03/01/04 0 2003001607 N 02/01/34 0 9031892 E22/G02 F 132,000.00 ZZ 360 132,000.00 1 6.250 812.75 80 6.000 812.75 BAKERSFIELD CA 93306 1 01/02/04 00 0419508122 05 03/01/04 0 0419508122 O 02/01/34 0 1 9031932 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 6.500 632.07 90 6.250 632.07 TITUSVILLE FL 32796 5 01/07/04 04 0419465265 05 03/01/04 25 0419465265 O 02/01/34 0 9031936 E22/G02 F 130,000.00 ZZ 360 130,000.00 2 6.250 800.43 77 6.000 800.43 AUSTIN TX 78757 2 01/07/04 00 0419468384 05 03/01/04 0 0419468384 N 02/01/34 0 9031948 E22/G02 F 28,500.00 ZZ 360 28,500.00 1 7.250 194.42 75 7.000 194.42 SEVIERVILLE TN 37862 1 01/12/04 00 0419480579 05 03/01/04 0 0419480579 N 02/01/34 0 9031970 E22/G02 F 209,000.00 ZZ 360 208,824.42 1 6.875 1,372.98 95 6.625 1,372.98 SACRAMENTO CA 95828 5 01/07/04 04 0419443866 05 02/01/04 30 0419443866 O 01/01/34 0 9031980 E22/G02 F 237,000.00 ZZ 360 237,000.00 1 6.000 1,420.93 65 5.750 1,420.93 SACRAMENTO CA 95834 5 01/02/04 00 0419447685 05 03/01/04 0 0419447685 O 02/01/34 0 9031994 E22/G02 F 152,000.00 ZZ 360 152,000.00 1 6.125 923.57 80 5.875 923.57 1 MIAMISBURG OH 45342 5 01/07/04 00 0419450572 05 03/01/04 0 0419450572 O 02/01/34 0 9032014 E22/G02 F 154,000.00 ZZ 360 154,000.00 1 5.875 910.97 63 5.625 910.97 CENTREVILLE MD 21617 5 01/07/04 00 0419457460 05 03/01/04 0 0419457460 O 02/01/34 0 9032018 E22/G02 F 125,000.00 ZZ 360 125,000.00 1 6.125 759.51 64 5.875 759.51 WENATCHEE WA 98801 5 01/02/04 00 0419458641 05 03/01/04 0 0419458641 O 02/01/34 0 9032038 E22/G02 F 106,400.00 TX 360 106,400.00 1 5.875 629.40 80 5.625 629.40 AUSTIN TX 78723 5 01/06/04 00 0419422506 05 03/01/04 0 0419422506 O 02/01/34 0 9032048 E22/G02 F 177,000.00 ZZ 360 177,000.00 1 6.375 1,104.25 79 6.125 1,104.25 RICHMOND VA 23221 2 01/12/04 00 0419424536 05 03/01/04 0 0419424536 N 02/01/34 0 9032072 E22/G02 F 85,700.00 ZZ 360 85,700.00 2 6.250 527.67 74 6.000 527.67 GRAND RAPIDS MI 49506 2 01/07/04 00 0419384482 05 03/01/04 0 0419384482 O 02/01/34 0 1 9032076 E47/G02 F 117,000.00 ZZ 360 116,901.70 1 6.875 768.61 90 6.625 768.61 COBB CA 95426 1 12/01/03 11 0437276140 05 02/01/04 25 7359517182 O 01/01/34 0 9032090 E22/G02 F 45,000.00 ZZ 360 45,000.00 1 7.375 310.80 75 7.125 310.80 QUINLAN TX 75474 2 01/12/04 00 0419391313 05 03/01/04 0 0419391313 N 02/01/34 0 9032102 E22/G02 F 256,000.00 ZZ 360 256,000.00 1 6.000 1,534.85 68 5.750 1,534.85 CHANTILLY VA 20152 2 01/06/04 00 0419400007 09 03/01/04 0 0419400007 O 02/01/34 0 9032118 E22/G02 F 284,700.00 ZZ 360 284,700.00 1 6.125 1,729.87 80 5.875 1,729.87 FLOWER MOUND TX 75022 5 01/07/04 00 0419411764 03 03/01/04 0 0419411764 O 02/01/34 0 9032128 E22/G02 F 32,500.00 ZZ 360 32,500.00 1 7.500 227.24 62 7.250 227.24 KANSAS CITY MO 64130 5 01/12/04 00 0419353362 05 03/01/04 0 0419353362 N 02/01/34 0 9032132 E22/G02 F 67,500.00 ZZ 360 67,500.00 1 1 6.375 421.11 90 6.125 421.11 HARTSELLE AL 35640 5 01/06/04 11 0419353644 05 03/01/04 25 0419353644 O 02/01/34 0 9032152 E22/G02 F 211,750.00 ZZ 360 211,750.00 4 6.250 1,303.78 80 6.000 1,303.78 POMONA CA 91766 2 12/24/03 00 0419367651 05 03/01/04 0 0419367651 N 02/01/34 0 9032162 E22/G02 F 128,000.00 TX 360 128,000.00 1 6.500 809.05 80 6.250 809.05 BLANCO TX 78606 5 01/06/04 00 0419375126 05 03/01/04 0 0419375126 O 02/01/34 0 9032168 E22/G02 F 222,000.00 ZZ 360 222,000.00 2 6.375 1,384.99 80 6.125 1,384.99 RICHMOND VA 23220 2 01/12/04 00 0419378724 05 03/01/04 0 0419378724 N 02/01/34 0 9032180 E22/G02 F 71,500.00 ZZ 360 71,500.00 1 6.250 440.24 63 6.000 440.24 GEORGETOWN TX 78628 5 01/06/04 00 0419313200 05 03/01/04 0 0419313200 O 02/01/34 0 9032184 E22/G02 F 33,750.00 ZZ 360 33,750.00 1 7.375 233.10 75 7.125 233.10 GADSDEN AL 35903 5 01/12/04 00 0419318795 05 03/01/04 0 1 0419318795 N 02/01/34 0 9032188 E22/G02 F 58,500.00 ZZ 360 58,500.00 1 6.500 369.76 78 6.250 369.76 CARRIERE MS 39426 5 01/05/04 00 0419325113 05 03/01/04 0 0419325113 O 02/01/34 0 9032194 E22/G02 F 140,000.00 ZZ 360 140,000.00 1 6.375 873.42 80 6.125 873.42 BEND OR 97701 1 01/02/04 00 0419328315 05 03/01/04 0 0419328315 N 02/01/34 0 9032196 E22/G02 F 191,100.00 ZZ 360 191,100.00 1 6.625 1,223.63 84 6.375 1,223.63 WYLIE TX 75098 2 01/06/04 04 0419332820 05 03/01/04 25 0419332820 O 02/01/34 0 9032230 E22/G02 F 61,750.00 ZZ 360 61,750.00 1 6.750 400.51 95 6.500 400.51 WHITE CLOUD KS 66094 5 01/07/04 01 0419350368 05 03/01/04 30 0419350368 O 02/01/34 0 9032232 E82/G02 F 112,000.00 ZZ 360 112,000.00 1 6.250 689.60 76 6.000 689.60 PHOENIX AZ 85024 2 01/09/04 00 0400937348 03 03/01/04 0 0400937348 O 02/01/34 0 1 9032252 E22/G02 F 103,000.00 TX 360 103,000.00 1 6.625 659.52 72 6.375 659.52 MESQUITE TX 75149 5 01/06/04 00 0419256730 05 03/01/04 0 0419256730 O 02/01/34 0 9032256 E22/G02 F 133,000.00 ZZ 360 133,000.00 1 7.125 896.05 95 6.875 896.05 VINITA OK 74301 2 01/07/04 01 0419260245 05 03/01/04 30 0419260245 O 02/01/34 0 9032296 E22/G02 F 150,980.00 TX 360 150,980.00 1 6.375 941.92 78 6.125 941.92 CEDAR PARK TX 78613 5 01/07/04 00 0419289392 03 03/01/04 0 0419289392 O 02/01/34 0 9032298 E22/G02 F 148,000.00 ZZ 360 147,862.92 1 6.375 923.33 74 6.125 923.33 SUTTER CA 95982 5 12/24/03 00 0419291372 05 02/01/04 0 0419291372 O 01/01/34 0 9032312 E22/G02 F 187,000.00 ZZ 360 187,000.00 1 6.500 1,181.97 85 6.250 1,181.97 WINTERPORT ME 04496 5 01/06/04 04 0419102298 05 03/01/04 12 0419102298 O 02/01/34 0 9032314 E22/G02 F 127,500.00 ZZ 240 127,500.00 2 6.000 913.45 73 5.750 913.45 1 NEW LONDON CT 06320 5 01/07/04 00 0419119169 05 03/01/04 0 0419119169 O 02/01/24 0 9032322 E22/G02 F 210,510.00 ZZ 360 210,510.00 1 6.250 1,296.15 90 6.000 1,296.15 EUGENE OR 97405 1 01/07/04 04 0419150354 05 03/01/04 25 0419150354 O 02/01/34 0 9032336 E22/G02 F 96,800.00 ZZ 360 96,800.00 1 6.750 627.84 80 6.500 627.84 CHAROLTTE NC 28269 2 01/12/04 00 0419201678 05 03/01/04 0 0419201678 N 02/01/34 0 9032352 E22/G02 F 211,750.00 ZZ 360 211,750.00 4 6.250 1,303.78 80 6.000 1,303.78 POMONA CA 91766 2 12/24/03 00 0419233937 05 03/01/04 0 0419233937 N 02/01/34 0 9032408 E22/G02 F 304,000.00 ZZ 360 304,000.00 3 6.750 1,971.74 80 6.500 1,971.74 BRONX NY 10472 1 01/12/04 00 0418951802 05 03/01/04 0 0418951802 O 02/01/34 0 9032410 E22/G02 F 81,900.00 ZZ 240 81,900.00 1 5.750 575.01 90 5.500 575.01 SAN ANTONIO TX 78250 2 01/07/04 01 0418953741 05 03/01/04 25 0418953741 O 02/01/24 0 1 9032418 E22/G02 F 136,000.00 ZZ 360 136,000.00 1 6.375 848.46 80 6.125 848.46 DRIFTWOOD TX 78619 5 01/05/04 00 0419046024 05 03/01/04 0 0419046024 O 02/01/34 0 9032424 E22/G02 F 152,000.00 ZZ 360 152,000.00 1 6.750 985.87 90 6.500 985.87 BRIGHAM CITY UT 84302 2 01/02/04 04 0419070297 05 03/01/04 25 0419070297 O 02/01/34 0 9032426 E22/G02 F 74,200.00 TX 360 74,200.00 1 6.750 481.26 70 6.500 481.26 EL PASO TX 79902 5 01/07/04 00 0419071196 07 03/01/04 0 0419071196 O 02/01/34 0 9032430 E22/G02 F 195,997.00 ZZ 360 195,997.00 2 6.125 1,190.90 80 5.875 1,190.90 EDMONDS WA 98026 1 01/08/04 00 0419083423 05 03/01/04 0 0419083423 N 02/01/34 0 9032728 X91/G02 F 58,000.00 ZZ 360 57,942.26 1 6.000 347.74 67 5.750 347.74 WAIANAE HI 96792 1 12/24/03 00 0437308612 06 02/01/04 0 810808 N 01/01/34 0 9033578 U85/G02 F 76,410.00 ZZ 360 76,345.81 2 1 6.875 501.96 90 6.625 501.96 MILWAUKEE WI 53221 1 12/31/03 11 0437319817 05 02/01/04 25 5469915240 N 01/01/34 0 9033614 U85/G02 F 74,500.00 ZZ 360 74,500.00 1 6.500 470.89 74 6.250 470.89 LISBON IA 52253 2 01/12/04 00 0437278377 05 03/01/04 0 TQSBROWNTERRIE O 02/01/34 0 9033894 U05/G02 F 149,150.00 ZZ 360 149,024.70 1 6.875 979.81 95 6.625 979.81 MIAMI FL 33169 1 12/30/03 14 0437300841 05 02/01/04 30 3000451227 O 01/01/34 0 9033926 950/G02 F 88,500.00 ZZ 360 88,423.80 1 6.750 574.01 90 6.500 574.01 PORT ORCHARD WA 98367 1 12/23/03 11 0437364946 05 02/01/04 25 E23C1499 N 01/01/34 0 9034172 A46/G02 F 152,000.00 ZZ 360 151,859.21 1 6.375 948.29 80 6.125 948.29 SANTA FE NM 87507 5 12/23/03 00 0437292386 05 02/01/04 0 0474168 O 01/01/34 0 9034542 P59/G02 F 116,400.00 ZZ 360 116,400.00 2 6.875 764.67 80 6.625 764.67 BAKERSFIELD CA 93309 1 01/07/04 00 0437346349 05 03/01/04 0 1 AT008379 N 02/01/34 0 9035170 N34/G02 F 88,500.00 ZZ 360 88,500.00 1 7.375 611.25 75 7.125 611.25 SCHAUMBURG IL 60193 2 01/08/04 00 0437346018 08 03/01/04 0 12691261 N 02/01/34 0 9035332 E22/G02 F 112,000.00 ZZ 360 112,000.00 1 6.375 698.73 80 6.125 698.73 MISSOULA MT 59801 5 01/08/04 00 0419551163 05 03/01/04 0 0419551163 O 02/01/34 0 9035340 E22/G02 F 46,200.00 ZZ 360 46,200.00 1 7.375 319.09 67 7.125 319.09 ANDERSON SC 29625 2 01/13/04 00 0419494083 07 03/01/04 0 0419494083 N 02/01/34 0 9035370 E22/G02 F 124,650.00 ZZ 360 124,650.00 1 6.750 808.48 90 6.500 808.48 BLUE SPRINGS MO 64015 1 01/13/04 01 0419504147 05 03/01/04 25 0419504147 O 02/01/34 0 9035382 E22/G02 F 182,300.00 ZZ 360 182,300.00 1 6.375 1,137.31 70 6.125 1,137.31 TWAIN HARTE CA 95383 5 01/06/04 00 0419507488 05 03/01/04 0 0419507488 O 02/01/34 0 1 9035394 E22/G02 F 57,500.00 ZZ 360 57,500.00 1 6.625 368.18 75 6.375 368.18 JACKSON MS 39212 2 01/13/04 00 0419521422 05 03/01/04 0 0419521422 N 02/01/34 0 9035456 E22/G02 F 75,700.00 ZZ 360 75,700.00 2 7.000 503.63 75 6.750 503.63 MARS HILL NC 28754 1 01/13/04 00 0419473913 05 03/01/04 0 0419473913 N 02/01/34 0 9035474 E22/G02 F 327,000.00 ZZ 360 327,000.00 1 6.000 1,960.53 76 5.750 1,960.53 FAIR OAKS CA 95628 1 12/30/03 00 0419489422 05 03/01/04 0 0419489422 O 02/01/34 0 9035500 E22/G02 F 89,834.00 ZZ 360 89,834.00 1 6.500 567.81 90 6.250 567.81 LA PORTE TX 77571 2 01/08/04 01 0419439518 03 03/01/04 25 0419439518 O 02/01/34 0 9035502 E22/G02 F 245,000.00 TX 360 245,000.00 1 6.250 1,508.51 77 6.000 1,508.51 LA PORTE TX 77571 5 01/08/04 00 0419441993 05 03/01/04 0 0419441993 O 02/01/34 0 9035508 E22/G02 F 150,000.00 ZZ 360 150,000.00 1 6.000 899.33 62 5.750 899.33 1 AREA OF INGLEWO CA 90304 5 01/05/04 00 0419442686 05 03/01/04 0 0419442686 O 02/01/34 0 9035526 E22/G02 F 142,000.00 ZZ 360 142,000.00 1 6.625 909.24 89 6.375 909.24 WARWICK RI 02888 5 01/08/04 01 0419446307 05 03/01/04 30 0419446307 O 02/01/34 0 9035552 E22/G02 F 133,500.00 ZZ 360 133,500.00 1 6.250 821.98 70 6.000 821.98 CROFTON MD 21114 5 01/08/04 00 0419379722 09 03/01/04 0 0419379722 O 02/01/34 0 9035556 E22/G02 F 280,000.00 ZZ 360 280,000.00 1 6.000 1,678.74 80 5.750 1,678.74 POMONA CA 91766 1 12/31/03 00 0419382825 05 03/01/04 0 0419382825 O 02/01/34 0 9035576 E22/G02 F 68,000.00 ZZ 360 68,000.00 1 6.500 429.81 80 6.250 429.81 SOUTHAVEN MS 38671 2 01/13/04 00 0419401351 05 03/01/04 0 0419401351 N 02/01/34 0 9035584 E22/G02 F 174,400.00 TX 360 174,400.00 1 6.125 1,059.67 80 5.875 1,059.67 GATESVILLE TX 76528 5 01/08/04 00 0419414305 05 03/01/04 0 0419414305 O 02/01/34 0 1 9035592 E22/G02 F 115,800.00 ZZ 360 115,800.00 2 6.375 722.44 80 6.125 722.44 REDMOND OR 97756 1 01/08/04 00 0419421219 05 03/01/04 0 0419421219 N 02/01/34 0 9035610 E22/G02 F 246,000.00 ZZ 360 246,000.00 1 7.375 1,699.06 75 7.125 1,699.06 (WHITTIER AREA) CA 90605 5 01/07/04 00 0419339395 05 03/01/04 0 0419339395 N 02/01/34 0 9035628 E22/G02 F 112,000.00 TX 360 112,000.00 1 7.000 745.14 80 6.750 745.14 HOUSTON TX 77084 5 01/08/04 00 0419355789 03 03/01/04 0 0419355789 O 02/01/34 0 9035638 E22/G02 F 74,250.00 ZZ 360 74,250.00 1 6.875 487.77 75 6.625 487.77 DETROIT MI 48224 5 01/13/04 00 0419365226 05 03/01/04 0 0419365226 N 02/01/34 0 9035648 E22/G02 F 129,600.00 ZZ 360 129,600.00 1 6.875 851.38 90 6.625 851.38 HOWEY IN THE HI FL 34737 5 01/08/04 04 0419368626 05 03/01/04 25 0419368626 O 02/01/34 0 9035748 E22/G02 F 235,000.00 ZZ 360 235,000.00 1 1 6.000 1,408.94 80 5.750 1,408.94 RICHMOND HILL NY 11419 2 01/08/04 00 0419293220 07 03/01/04 0 0419293220 O 02/01/34 0 9035792 E22/G02 F 158,000.00 ZZ 360 158,000.00 1 6.500 998.67 87 6.250 998.67 STUART FL 34997 2 01/08/04 11 0419322417 03 03/01/04 25 0419322417 O 02/01/34 0 9035796 E22/G02 F 90,000.00 TX 360 90,000.00 1 6.500 568.86 73 6.250 568.86 DALLAS TX 75230 5 01/08/04 00 0419331129 01 03/01/04 0 0419331129 O 02/01/34 0 9035816 E47/G02 F 188,000.00 ZZ 360 187,821.62 1 6.250 1,157.55 80 6.000 1,157.55 LEICESTER MA 01524 1 01/31/03 00 0437317993 05 02/01/04 0 7359010346 O 01/01/34 0 9035822 E22/G02 F 140,000.00 TX 360 140,000.00 1 5.875 828.15 74 5.625 828.15 HOUSTON TX 77004 5 01/07/04 00 0419177704 05 03/01/04 0 0419177704 O 02/01/34 0 9035826 E22/G02 F 37,800.00 ZZ 360 37,800.00 1 6.500 238.92 90 6.250 238.92 OBERLIN OH 44074 1 01/13/04 01 0419201157 05 03/01/04 25 1 0419201157 O 02/01/34 0 9035858 E22/G02 F 90,000.00 ZZ 360 89,929.79 1 7.250 613.96 90 7.000 613.96 WILSON NC 27893 2 12/31/03 01 0419239272 05 02/01/04 30 0419239272 N 01/01/34 0 9038890 A52/G02 F 117,000.00 ZZ 360 117,000.00 1 7.000 778.40 90 6.750 778.40 ATLANTA GA 30305 1 01/12/04 11 0437285125 08 03/01/04 25 28514 O 02/01/34 0 9038934 E82/G02 F 83,000.00 ZZ 360 83,000.00 1 6.375 517.81 67 6.125 517.81 REDMOND WA 98052 2 01/05/04 00 0400932539 01 03/01/04 0 0400932539 O 02/01/34 0 9039048 F34/G02 F 101,900.00 ZZ 360 101,900.00 1 6.500 644.08 80 6.250 644.08 CAPE CORAL FL 33909 1 01/09/04 00 0437308364 05 03/01/04 0 4900309158 N 02/01/34 0 9039126 P09/G02 F 103,295.00 ZZ 360 103,199.32 1 6.375 644.43 80 6.125 644.43 JONESTOWN PA 17038 1 12/12/03 00 0437302631 03 02/01/04 0 3007240249 O 01/01/34 0 1 9039140 P09/G02 F 112,000.00 ZZ 360 112,000.00 2 6.250 689.60 80 6.000 689.60 ELIZABETHTOWN PA 17022 1 01/02/04 00 0437368251 05 03/01/04 0 KLEINHANS N 02/01/34 0 9039182 W40/G02 F 140,850.00 ZZ 360 140,850.00 1 6.500 890.27 90 6.250 890.27 STURGIS MI 49091 2 01/06/04 04 0437292683 05 03/01/04 25 1022000020 O 02/01/34 0 9039288 P44/G02 F 175,000.00 ZZ 360 175,000.00 1 6.250 1,077.51 78 6.000 1,077.51 WORCESTER MA 01604 5 12/30/03 00 0437374648 05 03/01/04 0 01 O 02/01/34 0 9040822 E22/G02 F 72,000.00 ZZ 360 72,000.00 1 5.750 420.17 80 5.500 420.17 VIRGINIA BEACH VA 23462 5 01/09/04 00 0419522362 07 03/01/04 0 0419522362 O 02/01/34 0 9040844 E22/G02 F 154,592.00 ZZ 360 154,592.00 1 6.250 951.85 80 6.000 951.85 GILBERT AZ 85297 1 01/09/04 00 0419544028 03 03/01/04 0 0419544028 O 02/01/34 0 9040888 E22/G02 F 135,000.00 ZZ 360 135,000.00 1 6.250 831.22 75 6.000 831.22 1 OREM UT 84097 2 01/08/04 00 0419508502 05 03/01/04 0 0419508502 O 02/01/34 0 9040958 E22/G02 F 184,000.00 TX 360 184,000.00 1 6.375 1,147.92 80 6.125 1,147.92 DALLAS TX 75226 5 01/09/04 00 0419435037 07 03/01/04 0 0419435037 O 02/01/34 0 9040970 E22/G02 F 148,750.00 ZZ 360 148,750.00 1 6.625 952.46 85 6.375 952.46 SCIO OR 97374 5 01/05/04 10 0419440011 05 03/01/04 12 0419440011 O 02/01/34 0 9040974 E22/G02 F 116,100.00 ZZ 360 116,100.00 1 6.875 762.69 90 6.625 762.69 LITTLETON CO 80128 2 01/14/04 01 0419440946 09 03/01/04 25 0419440946 N 02/01/34 0 9040980 E22/G02 F 228,000.00 ZZ 360 228,000.00 1 6.125 1,385.35 79 5.875 1,385.35 GRANITE BAY CA 95746 2 01/08/04 00 0419442587 05 03/01/04 0 0419442587 O 02/01/34 0 9040994 E22/G02 F 152,000.00 ZZ 360 152,000.00 1 6.375 948.28 80 6.125 948.28 YAKIMA WA 98903 2 01/07/04 00 0419389762 05 03/01/04 0 0419389762 O 02/01/34 0 1 9041002 E22/G02 F 154,000.00 T 360 154,000.00 1 6.375 960.76 80 6.125 960.76 ST. AGUSTINE FL 32086 1 01/14/04 00 0419400239 05 03/01/04 0 0419400239 O 02/01/34 0 9041006 E22/G02 F 84,000.00 TX 360 84,000.00 1 6.125 510.39 80 5.875 510.39 ABILENE TX 79606 5 01/09/04 00 0419400544 05 03/01/04 0 0419400544 O 02/01/34 0 9041012 E22/G02 F 311,200.00 TX 360 311,200.00 1 6.125 1,890.88 78 5.875 1,890.88 HOUSTON TX 77025 5 01/09/04 00 0419404306 09 03/01/04 0 0419404306 O 02/01/34 0 9041022 E22/G02 F 180,000.00 ZZ 240 180,000.00 1 6.875 1,382.06 65 6.625 1,382.06 KRUM TX 76249 5 01/09/04 00 0419411707 05 03/01/04 0 0419411707 O 02/01/24 0 9041034 E22/G02 F 127,120.00 TX 360 127,120.00 1 6.375 793.06 80 6.125 793.06 FORT WORTH TX 76137 5 01/08/04 00 0419386289 03 03/01/04 0 0419386289 O 02/01/34 0 9041064 E22/G02 F 148,000.00 ZZ 360 148,000.00 1 1 5.875 875.48 80 5.625 875.48 IMPERIAL NE 69033 2 01/09/04 00 0419366505 05 03/01/04 0 0419366505 O 02/01/34 0 9041072 E22/G02 F 168,000.00 ZZ 360 168,000.00 1 6.500 1,061.87 75 6.250 1,061.87 HENDERSONVILLE NC 28739 5 01/09/04 00 0419371786 05 03/01/04 0 0419371786 O 02/01/34 0 9041084 E22/G02 F 153,000.00 ZZ 360 153,000.00 2 6.500 967.06 85 6.250 967.06 AUDUBON NJ 08106 2 01/14/04 01 0419271697 05 03/01/04 12 0419271697 N 02/01/34 0 9041092 E22/G02 F 54,000.00 ZZ 360 54,000.00 1 6.125 328.11 34 5.875 328.11 MIAMI FL 33055 5 01/09/04 00 0419301858 05 03/01/04 0 0419301858 O 02/01/34 0 9041102 E22/G02 F 138,400.00 ZZ 360 138,400.00 1 6.250 852.15 80 6.000 852.15 MCALLEN TX 78501 5 01/09/04 00 0419315825 05 03/01/04 0 0419315825 O 02/01/34 0 9041134 E22/G02 F 309,000.00 ZZ 360 309,000.00 3 6.500 1,953.09 75 6.250 1,953.09 HARBOR CITY ARE CA 90710 1 01/02/04 00 0419191309 05 03/01/04 0 1 0419191309 N 02/01/34 0 9041146 E22/G02 F 285,000.00 ZZ 360 285,000.00 1 6.000 1,708.72 75 5.750 1,708.72 SOMERVILLE MA 02145 2 01/09/04 00 0419220066 05 03/01/04 0 0419220066 O 02/01/34 0 9041150 E22/G02 F 102,125.00 ZZ 360 102,125.00 1 6.625 653.92 95 6.375 653.92 HUNTSVILLE AL 35811 5 01/09/04 04 0419225388 05 03/01/04 30 0419225388 O 02/01/34 0 9041190 E22/G02 F 140,000.00 ZZ 360 140,000.00 1 6.500 884.90 78 6.250 884.90 PORTLAND OR 97227 1 01/09/04 00 0418993044 05 03/01/04 0 0418993044 N 02/01/34 0 9041198 E22/G02 F 161,600.00 ZZ 360 161,600.00 1 6.750 1,048.13 80 6.500 1,048.13 COMMERCE MI 48382 1 01/14/04 00 0419034137 05 03/01/04 0 0419034137 N 02/01/34 0 9041202 E22/G02 F 104,055.00 ZZ 360 104,055.00 2 6.125 632.25 75 5.875 632.25 TAYLORS SC 29687 1 01/14/04 00 0419059605 05 03/01/04 0 0419059605 N 02/01/34 0 1 9041224 Q14/G02 F 76,500.00 ZZ 360 76,435.73 1 6.875 502.55 90 6.625 502.55 CHANDLER AZ 85225 1 12/10/03 01 0437374218 03 02/01/04 25 0000316950 N 01/01/34 0 9041248 E82/G02 F 227,000.00 ZZ 360 227,000.00 1 6.500 1,434.79 76 6.250 1,434.79 UNIONDALE NY 11553 2 01/12/04 00 0400925913 05 03/01/04 0 0400925913 O 02/01/34 0 9041260 E82/G02 F 150,000.00 ZZ 360 150,000.00 1 6.750 972.90 48 6.500 972.90 LAGUNA NIGUEL CA 92677 5 01/09/04 00 0400930020 01 03/01/04 0 0400930020 O 02/01/34 0 9041286 369/G02 F 33,150.00 ZZ 360 33,103.03 1 7.750 237.50 75 7.500 237.50 LEESBURG FL 34748 1 11/21/03 00 0437291917 05 01/01/04 0 36575443 N 12/01/33 0 9041326 N47/G02 F 119,200.00 ZZ 360 119,200.00 1 6.000 714.66 74 5.750 714.66 SEVIERVILLE TN 37862 2 01/06/04 00 0437311194 05 03/01/04 0 30510445 O 02/01/34 0 9041406 X89/G02 F 54,000.00 ZZ 360 54,000.00 1 6.750 350.25 90 6.500 350.25 1 AUBURNDALE FL 33823 1 01/05/04 04 0437364714 05 03/01/04 25 8706563 N 02/01/34 0 9041584 742/G02 F 58,500.00 ZZ 360 58,500.00 3 6.875 384.30 89 6.625 384.30 SYRACUSE NY 13206 1 01/06/04 04 0437302326 05 03/01/04 25 10011583 N 02/01/34 0 9041598 F89/G02 F 112,000.00 ZZ 360 111,905.91 1 6.875 735.76 79 6.625 735.76 LANCASTER CA 93535 5 12/29/03 00 0437323561 05 02/01/04 0 10638553 N 01/01/34 0 9041730 369/G02 F 135,850.00 ZZ 360 135,652.72 1 7.625 961.54 95 7.375 961.54 DELAND FL 32720 1 12/04/03 14 0437296809 05 01/01/04 30 0077139137 O 12/01/33 0 9041774 W84/G02 F 167,200.00 ZZ 360 167,041.35 1 6.250 1,029.48 80 6.000 1,029.48 RIVERDALE UT 84405 1 12/29/03 00 0437347339 05 02/01/04 0 10086130 O 01/01/34 0 9041820 U05/G02 F 240,000.00 ZZ 360 240,000.00 2 6.875 1,576.63 80 6.625 1,576.63 DENVER CO 80221 1 01/06/04 00 0437314123 05 03/01/04 0 3000445467 N 02/01/34 0 1 9041858 U05/G02 F 113,600.00 TX 360 113,600.00 1 6.750 736.81 55 6.500 736.81 MAGNOLIA TX 77354 5 01/07/04 00 0437320740 05 03/01/04 0 3000472146 O 02/01/34 0 9041982 K60/G02 F 170,000.00 ZZ 360 169,846.31 1 6.500 1,074.52 85 6.250 1,074.52 TALLAHASSEE FL 32303 1 01/05/04 04 0437295769 03 02/01/04 12 0001072768 O 01/01/34 0 9042096 W39/G02 F 121,000.00 ZZ 360 121,000.00 1 6.375 754.88 78 6.125 754.88 NEW ORLEANS LA 70122 5 01/14/04 00 0437374630 05 03/01/04 0 LA036699 N 02/01/34 0 9042150 144/144 F 75,000.00 ZZ 360 74,928.84 1 6.250 461.79 62 6.000 461.79 SAUGERTIES NY 12477 1 12/29/03 00 160746966000000 05 02/01/04 0 1 O 01/01/34 0 9042494 E47/G02 F 140,000.00 ZZ 360 140,000.00 1 6.625 896.44 53 6.375 896.44 LEICESTER MA 01524 5 01/07/04 00 0437316466 05 03/01/04 0 7359010491 O 02/01/34 0 9042530 U85/G02 F 242,910.00 ZZ 360 242,910.00 1 1 6.750 1,575.51 90 6.500 1,575.51 SOLON IA 52333 1 01/15/04 11 0437349350 05 03/01/04 30 TQSDAVIS O 02/01/34 0 9042542 F62/F62 F 168,000.00 ZZ 360 167,848.13 1 6.500 1,061.87 80 6.250 1,061.87 PLANTATION FL 33324 1 12/22/03 00 38832 03 02/01/04 0 38832 O 01/01/34 0 9042546 H58/G02 F 122,000.00 ZZ 360 121,878.55 1 6.000 731.45 65 5.750 731.45 MORENO VALLEY CA 92553 5 12/01/03 00 0437326036 05 02/01/04 0 199877 O 01/01/34 0 9043172 W68/G02 F 64,000.00 TX 360 63,939.27 1 6.250 394.06 72 6.000 394.06 DALLAS TX 75228 5 12/26/03 00 0437318728 05 02/01/04 0 3111254 O 01/01/34 0 9043298 X91/G02 F 187,100.00 ZZ 360 186,913.74 1 6.000 1,121.76 75 5.750 1,121.76 HONOLULU HI 96813 1 12/24/03 00 0437364417 06 02/01/04 0 809684 O 01/01/34 0 9043352 B39/G02 F 135,280.00 ZZ 360 135,280.00 1 6.999 899.93 95 6.749 899.93 MANKATO MN 56001 1 01/15/04 12 0437322027 05 03/01/04 30 1 2004800020F O 02/01/34 0 9043360 E44/G02 F 132,000.00 ZZ 360 132,000.00 1 6.375 823.51 80 6.125 823.51 SOUTH OGDEN UT 84403 1 01/07/04 00 0437308869 05 03/01/04 0 52030322 O 02/01/34 0 9043734 H81/G02 F 105,300.00 ZZ 360 105,300.00 2 7.375 727.28 90 7.125 727.28 MILWAUKEE WI 53225 1 01/16/04 11 0437364326 05 03/01/04 25 WH23160 N 02/01/34 0 9044174 742/G02 F 100,000.00 T 360 100,000.00 1 6.875 656.93 56 6.625 656.93 T/O CHESTER NY 12853 5 01/02/04 00 0437315518 05 03/01/04 0 10103919 O 02/01/34 0 9044432 758/G02 F 117,000.00 ZZ 360 117,000.00 1 6.375 729.93 90 6.125 729.93 COLLEGE STATION TX 77845 1 01/13/04 04 0437307648 05 03/01/04 25 202524 O 02/01/34 0 9044848 E22/G02 F 101,400.00 ZZ 360 101,400.00 1 6.875 666.13 77 6.625 666.13 SAINT LOUIS MO 63146 2 01/15/04 00 0419463005 01 03/01/04 0 0419463005 N 02/01/34 0 1 9044886 E22/G02 F 189,000.00 ZZ 360 189,000.00 3 7.250 1,289.31 90 7.000 1,289.31 N LAUDERDALE FL 33068 1 01/15/04 04 0419472105 05 03/01/04 25 0419472105 N 02/01/34 0 9044898 E22/G02 F 80,500.00 ZZ 360 80,500.00 1 6.500 508.81 71 6.250 508.81 ELLISVILLE MO 63011 5 01/15/04 00 0419484191 01 03/01/04 0 0419484191 N 02/01/34 0 9044928 E82/G02 F 108,000.00 ZZ 360 108,000.00 1 6.625 691.54 80 6.375 691.54 DISTRICT HEIGHT MD 20747 2 01/12/04 00 0400910733 05 03/01/04 0 0400910733 O 02/01/34 0 9044932 E22/G02 F 187,000.00 ZZ 360 187,000.00 1 5.875 1,106.18 59 5.625 1,106.18 OXNARD CA 93033 5 01/08/04 00 0419428685 05 03/01/04 0 0419428685 O 02/01/34 0 9044986 E22/G02 F 96,000.00 ZZ 360 96,000.00 1 6.250 591.09 80 6.000 591.09 COLORADO SPRING CO 80909 1 01/16/04 00 0419457155 05 03/01/04 0 0419457155 N 02/01/34 0 9044996 E22/G02 F 189,000.00 ZZ 360 189,000.00 3 7.250 1,289.31 90 7.000 1,289.31 1 N LAUDERDALE FL 33068 1 01/15/04 01 0419459797 05 03/01/04 25 0419459797 N 02/01/34 0 9045000 E22/G02 F 86,350.00 ZZ 360 86,350.00 1 6.500 545.79 70 6.250 545.79 PLEASANT GROVE UT 84062 1 01/13/04 00 0419338462 01 03/01/04 0 0419338462 N 02/01/34 0 9045012 E22/G02 F 60,000.00 ZZ 360 60,000.00 3 6.500 379.24 62 6.250 379.24 MULBERRY FL 33860 2 01/15/04 00 0419352679 05 03/01/04 0 0419352679 N 02/01/34 0 9045046 E22/G02 F 176,000.00 ZZ 360 176,000.00 1 6.375 1,098.01 80 6.125 1,098.01 HERRIMAN UT 84065 1 01/08/04 00 0419372545 05 03/01/04 0 0419372545 O 02/01/34 0 9045052 E22/G02 F 134,450.00 ZZ 360 134,450.00 1 6.500 849.82 80 6.250 849.82 SEVIERVILLE TN 37876 2 01/09/04 00 0419374392 05 03/01/04 0 0419374392 O 02/01/34 0 9045170 E22/G02 F 78,800.00 ZZ 360 78,800.00 2 6.250 485.19 80 6.000 485.19 TUSCALOOSA AL 35401 1 01/15/04 00 0419319975 05 03/01/04 0 0419319975 N 02/01/34 0 1 9045200 E22/G02 F 352,000.00 ZZ 360 352,000.00 3 6.500 2,224.88 80 6.250 2,224.88 SOUTH GATE CA 90280 1 01/08/04 00 0419063458 05 03/01/04 0 0419063458 N 02/01/34 0 9045224 E22/G02 F 112,500.00 ZZ 360 112,500.00 1 6.375 701.85 75 6.125 701.85 PORT ORCHARD WA 98366 1 01/07/04 00 0419124862 05 03/01/04 0 0419124862 N 02/01/34 0 9045270 E22/G02 F 63,750.00 ZZ 360 63,750.00 1 6.375 397.72 85 6.125 397.72 NILES MI 49120 1 01/15/04 04 0419574884 05 03/01/04 20 0419574884 N 02/01/34 0 9045282 E22/G02 F 74,000.00 ZZ 360 74,000.00 1 6.250 455.63 80 6.000 455.63 PALM COAST FL 32137 1 01/15/04 00 0419597919 05 03/01/04 0 0419597919 O 02/01/34 0 9045288 E22/G02 F 158,240.00 T 360 158,240.00 1 6.250 974.31 80 6.000 974.31 PHOENIX AZ 85032 5 01/08/04 00 0419557475 05 03/01/04 0 0419557475 O 02/01/34 0 9045354 E22/G02 F 257,000.00 ZZ 360 257,000.00 1 1 6.375 1,603.35 68 6.125 1,603.35 OCEANSIDE CA 92056 5 01/08/04 00 0419510599 05 03/01/04 0 0419510599 O 02/01/34 0 9045380 E22/G02 F 207,000.00 ZZ 360 207,000.00 4 6.875 1,359.84 90 6.625 1,359.84 FORT PIERCE FL 34946 1 01/15/04 04 0419534193 05 03/01/04 25 0419534193 N 02/01/34 0 9045384 E22/G02 F 64,000.00 ZZ 360 64,000.00 1 6.500 404.52 80 6.250 404.52 HOUSTON TX 77489 1 01/15/04 00 0419537170 03 03/01/04 0 0419537170 N 02/01/34 0 9045390 E22/G02 F 106,800.00 ZZ 360 106,800.00 1 6.250 657.59 80 6.000 657.59 STATHAM GA 30666 2 01/15/04 00 0419539432 05 03/01/04 0 0419539432 N 02/01/34 0 9046336 Q87/G02 F 50,000.00 ZZ 360 49,955.88 1 6.625 320.16 65 6.375 320.16 PENSACOLA FL 32503 5 12/19/03 00 0437324189 05 02/01/04 0 PEAN01 O 01/01/34 0 9046400 Y72/G02 F 61,000.00 ZZ 360 61,000.00 1 6.500 385.56 51 6.250 385.56 BLOOMINGTON IN 47403 5 01/07/04 00 0437323967 05 03/01/04 0 1 10094594 O 02/01/34 0 9046446 U42/G02 F 108,000.00 ZZ 360 107,911.47 1 7.000 718.53 90 6.750 718.53 AUSTIN TX 78747 1 12/26/03 14 0437304025 01 02/01/04 25 10301991 N 01/01/34 0 9046566 U42/G02 F 92,000.00 TX 360 91,922.71 1 6.875 604.37 80 6.625 604.37 THE COLONY TX 75056 5 12/23/03 00 0437352594 05 02/01/04 0 12304981 O 01/01/34 0 9046794 U05/G02 F 68,000.00 ZZ 360 68,000.00 4 6.250 418.69 42 6.000 418.69 WASHINGTON DC 20002 2 01/09/04 00 0437331754 05 03/01/04 0 3000500642 N 02/01/34 0 9048066 U05/G02 F 168,000.00 ZZ 360 168,000.00 1 6.500 1,061.87 77 6.250 1,061.87 PORTLAND OR 97227 5 01/02/04 00 0437323132 05 03/01/04 0 3454118 O 02/01/34 0 9048090 T09/G02 F 288,000.00 ZZ 360 287,739.64 1 6.500 1,820.36 90 6.250 1,820.36 PASO ROBLES CA 93446 5 12/23/03 01 0437320203 05 02/01/04 25 2003005257 O 01/01/34 0 1 9048096 G34/G02 F 168,200.00 ZZ 360 168,200.00 1 7.000 1,119.04 90 6.750 1,119.04 HENDERSON NV 89052 1 01/09/04 10 0437327893 05 03/01/04 25 77301727 N 02/01/34 0 9048100 A19/G02 F 270,000.00 ZZ 360 270,000.00 3 7.375 1,864.82 90 7.125 1,864.82 MANCHESTER NH 03103 1 01/16/04 04 0437368863 05 03/01/04 25 0313559 N 02/01/34 0 9048252 W68/G02 F 62,475.00 ZZ 360 62,418.53 1 6.500 394.88 51 6.250 394.88 ALLEN TX 75002 1 12/31/03 00 0437347685 05 02/01/04 0 3121238 O 01/01/34 0 9048272 G34/G02 F 277,000.00 ZZ 360 276,717.59 1 5.875 1,638.56 69 5.625 1,638.56 SIMI VALLEY CA 93065 5 12/31/03 00 0437347024 05 02/01/04 0 41002264 O 01/01/34 0 9048514 A52/G02 F 108,000.00 ZZ 360 108,000.00 1 7.000 718.53 88 6.750 718.53 JONESBOBO GA 30238 5 01/14/04 11 0437327745 05 03/01/04 25 28502 O 02/01/34 0 9052226 E22/G02 F 206,250.00 ZZ 360 206,250.00 1 6.625 1,320.64 55 6.375 1,320.64 1 CHARLOTTE NC 28204 5 01/16/04 00 0419568324 05 03/01/04 0 0419568324 N 02/01/34 0 9052230 E22/G02 F 72,000.00 ZZ 360 72,000.00 2 7.000 479.02 80 6.750 479.02 WEST PITTSTON PA 18643 5 01/16/04 00 0419570304 05 03/01/04 0 0419570304 N 02/01/34 0 9052254 E22/G02 F 148,500.00 ZZ 360 148,500.00 1 6.500 938.62 90 6.250 938.62 LAS VEGAS NV 89123 1 01/08/04 01 0419517842 03 03/01/04 25 0419517842 N 02/01/34 0 9052294 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 6.500 632.07 80 6.250 632.07 MILAN OH 44846 2 01/12/04 00 0419525001 05 03/01/04 0 0419525001 O 02/01/34 0 9052306 E22/G02 F 103,500.00 ZZ 360 103,500.00 1 6.500 654.19 90 6.250 654.19 VAN BUREN TOWNS MI 48111 1 01/19/04 01 0419529169 05 03/01/04 25 0419529169 N 02/01/34 0 9052318 Y60/G02 F 85,000.00 ZZ 360 85,000.00 1 7.375 587.07 85 7.125 587.07 PHILADELPHIA PA 19125 5 01/14/04 10 0437388150 07 03/01/04 12 STEINB O 02/01/34 0 1 9052320 E22/G02 F 133,000.00 ZZ 360 133,000.00 1 6.625 851.61 92 6.375 851.61 MABELVALE AR 72103 2 01/16/04 01 0419541230 05 03/01/04 30 0419541230 O 02/01/34 0 9052322 E22/G02 F 88,800.00 ZZ 360 88,800.00 1 7.125 598.26 80 6.875 598.26 BAY CITY MI 48706 1 01/16/04 00 0419491246 01 03/01/04 0 0419491246 N 02/01/34 0 9052326 E22/G02 F 62,000.00 ZZ 360 62,000.00 1 6.375 386.80 87 6.125 386.80 PONTIAC MI 48341 1 01/19/04 10 0419493408 05 03/01/04 25 0419493408 N 02/01/34 0 9052344 E22/G02 F 51,300.00 ZZ 360 51,300.00 1 7.500 358.70 90 7.250 358.70 BALTIMORE MD 21216 1 01/16/04 01 0419500558 07 03/01/04 25 0419500558 N 02/01/34 0 9052352 E22/G02 F 171,000.00 ZZ 360 171,000.00 1 6.750 1,109.10 90 6.500 1,109.10 MINNEAPOLIS MN 55418 1 01/16/04 01 0419502398 05 03/01/04 25 0419502398 N 02/01/34 0 9052410 E22/G02 F 113,500.00 ZZ 360 113,500.00 1 1 6.000 680.49 89 5.750 680.49 SUNRISE FL 33351 1 01/16/04 01 0419468392 09 03/01/04 25 0419468392 N 02/01/34 0 9052440 U42/G02 F 93,600.00 ZZ 360 93,528.78 1 7.375 646.47 90 7.125 646.47 DALLAS TX 75236 1 12/18/03 11 0437318686 05 02/01/04 25 12308149 N 01/01/34 0 9052444 E22/G02 F 106,400.00 ZZ 360 106,400.00 1 6.000 637.92 80 5.750 637.92 MIAMI FL 33150 1 01/16/04 00 0419477815 05 03/01/04 0 0419477815 N 02/01/34 0 9052458 E22/G02 F 78,000.00 ZZ 360 78,000.00 1 6.125 473.94 60 5.875 473.94 PORT CLINTON OH 43452 5 01/14/04 00 0419488481 05 03/01/04 0 0419488481 O 02/01/34 0 9052478 E22/G02 F 90,000.00 ZZ 360 90,000.00 2 7.125 606.35 90 6.875 606.35 ST. LOUIS MO 63118 1 01/16/04 04 0419445713 05 03/01/04 25 0419445713 N 02/01/34 0 9052492 E22/G02 F 61,600.00 ZZ 360 61,600.00 1 6.750 399.54 80 6.500 399.54 NEW ORLEANS LA 70117 2 01/16/04 00 0419453352 05 03/01/04 0 1 0419453352 N 02/01/34 0 9052496 E22/G02 F 96,000.00 ZZ 360 96,000.00 1 5.875 567.88 77 5.625 567.88 HOLLYWOOD FL 33024 5 01/12/04 00 0419455993 05 03/01/04 0 0419455993 O 02/01/34 0 9052546 E22/G02 F 75,000.00 ZZ 360 75,000.00 1 6.500 474.05 56 6.250 474.05 WETMORE CO 81253 5 01/16/04 00 0419431739 05 03/01/04 0 0419431739 N 02/01/34 0 9052566 E22/G02 F 84,000.00 ZZ 360 84,000.00 1 6.500 530.94 99 6.250 530.94 KINGMAN AZ 86401 2 01/09/04 11 0419441381 05 03/01/04 35 0419441381 O 02/01/34 0 9052568 E22/G02 F 159,000.00 ZZ 360 159,000.00 1 6.000 953.29 64 5.750 953.29 MIAMI FL 33165 5 01/12/04 00 0419441423 05 03/01/04 0 0419441423 O 02/01/34 0 9052608 E22/G02 F 93,500.00 ZZ 360 93,500.00 1 6.125 568.12 80 5.875 568.12 LAKELAND FL 33809 5 01/12/04 00 0419384730 05 03/01/04 0 0419384730 O 02/01/34 0 1 9052612 E22/G02 F 180,000.00 ZZ 360 180,000.00 1 6.250 1,108.29 94 6.000 1,108.29 SOUTH SAINT PAU MN 55075 2 01/14/04 01 0419386313 05 03/01/04 30 0419386313 O 02/01/34 0 9052634 E22/G02 F 127,200.00 ZZ 360 127,200.00 1 6.500 803.99 80 6.250 803.99 MEMPHIS IN 47143 2 01/16/04 00 0419405618 05 03/01/04 0 0419405618 N 02/01/34 0 9052762 E22/G02 F 200,000.00 TX 360 200,000.00 1 6.000 1,199.10 77 5.750 1,199.10 SAN ANTONIO TX 78209 5 01/07/04 00 0419207717 05 03/01/04 0 0419207717 O 02/01/34 0 9052850 E22/G02 F 99,000.00 ZZ 360 99,000.00 1 6.875 650.36 51 6.625 650.36 EAST JORDAN MI 49727 5 01/12/04 00 0419059167 05 03/01/04 0 0419059167 O 02/01/34 0 9053382 N74/G02 F 72,000.00 ZZ 360 71,926.59 1 5.875 425.91 85 5.625 425.91 BENTONVILLE AR 72712 5 01/14/04 01 0437361769 05 02/20/04 12 0034015010 O 01/20/34 0 9053450 H49/G02 F 253,500.00 ZZ 360 253,500.00 1 6.500 1,602.29 75 6.250 1,602.29 1 APACHE JUNCTION AZ 85219 2 01/07/04 00 0437345747 05 03/01/04 0 52356473 O 02/01/34 0 9053454 K60/G02 F 70,000.00 ZZ 360 70,000.00 1 6.625 448.22 70 6.375 448.22 MIDLAND MI 48640 5 01/14/04 00 0437334980 05 03/01/04 0 0001071846 O 02/01/34 0 9054032 U42/G02 F 70,800.00 ZZ 360 70,800.00 2 6.625 453.34 80 6.375 453.34 FORT WORTH TX 76107 1 01/12/04 00 0437324072 05 03/01/04 0 33301247 N 02/01/34 0 9054372 P01/G02 F 263,500.00 ZZ 360 263,500.00 1 6.990 1,751.31 89 6.740 1,751.31 MARLBORO NY 12542 1 01/13/04 10 0437331499 05 03/01/04 25 03017700 O 02/01/34 0 9054578 E22/G02 F 42,000.00 ZZ 360 42,000.00 1 6.500 265.47 75 6.250 265.47 COLUMBUS OH 43219 5 01/20/04 00 0419617683 05 03/01/04 0 0419617683 N 02/01/34 0 9054616 E22/G02 F 129,200.00 ZZ 360 129,200.00 1 6.875 848.75 95 6.625 848.75 PUEBLO CO 81005 5 01/14/04 01 0419564307 05 03/01/04 30 0419564307 O 02/01/34 0 1 9054618 E22/G02 F 76,000.00 ZZ 360 76,000.00 1 6.500 480.37 80 6.250 480.37 ALBURTIS PA 18011 5 01/13/04 00 0419568043 05 03/01/04 0 0419568043 O 02/01/34 0 9054622 E22/G02 F 270,000.00 ZZ 360 270,000.00 1 5.750 1,575.65 80 5.500 1,575.65 SAN DIEGO CA 92105 5 01/13/04 00 0419571211 05 03/01/04 0 0419571211 O 02/01/34 0 9054636 E22/G02 F 136,800.00 ZZ 240 136,800.00 1 6.125 989.97 80 5.875 989.97 RAPIDAN VA 22733 2 01/14/04 00 0419512553 05 03/01/04 0 0419512553 O 02/01/24 0 9054648 E22/G02 F 140,000.00 ZZ 360 140,000.00 1 6.250 862.00 76 6.000 862.00 WOODLAND PARK CO 80863 2 01/14/04 00 0419521794 05 03/01/04 0 0419521794 O 02/01/34 0 9054656 E22/G02 F 105,000.00 ZZ 360 105,000.00 1 6.375 655.06 38 6.125 655.06 ESCONDIDO CA 92027 5 01/14/04 00 0419527817 01 03/01/04 0 0419527817 O 02/01/34 0 9054708 E22/G02 F 288,966.00 ZZ 360 288,966.00 1 1 6.125 1,755.79 85 5.875 1,755.79 ST LEONARD MD 20685 5 01/09/04 04 0419501176 05 03/01/04 12 0419501176 O 02/01/34 0 9054734 E22/G02 F 164,700.00 ZZ 360 164,700.00 1 6.375 1,027.51 90 6.125 1,027.51 SEATAC WA 98188 2 01/09/04 04 0419475645 05 03/01/04 25 0419475645 O 02/01/34 0 9054770 E22/G02 F 156,000.00 ZZ 360 156,000.00 1 6.500 986.03 80 6.250 986.03 ORLANDO FL 32818 1 01/15/04 00 0419484456 03 03/01/04 0 0419484456 N 02/01/34 0 9054786 E22/G02 F 180,000.00 ZZ 360 180,000.00 1 6.000 1,079.19 58 5.750 1,079.19 WOODINVILLE WA 98072 5 01/12/04 00 0419490917 05 03/01/04 0 0419490917 O 02/01/34 0 9054792 E82/G02 F 173,000.00 ZZ 360 173,000.00 1 6.375 1,079.29 79 6.125 1,079.29 SACRAMENTO CA 95842 2 01/14/04 00 0400935938 05 03/01/04 0 0400935938 O 02/01/34 0 9054802 E82/G02 F 49,250.00 ZZ 360 49,250.00 2 7.250 335.97 75 7.000 335.97 PORT HURON MI 48060 2 01/16/04 00 0400938734 05 03/01/04 0 1 0400938734 N 02/01/34 0 9054846 E22/G02 F 80,000.00 TX 360 80,000.00 1 6.375 499.10 80 6.125 499.10 LITTLE ELM TX 75068 5 01/14/04 00 0419446695 05 03/01/04 0 0419446695 O 02/01/34 0 9054850 E22/G02 F 228,000.00 ZZ 360 228,000.00 1 5.875 1,348.71 80 5.625 1,348.71 CHEYENNE WY 82001 5 01/14/04 00 0419452008 05 03/01/04 0 0419452008 O 02/01/34 0 9054856 E22/G02 F 220,000.00 ZZ 360 220,000.00 1 6.125 1,336.74 90 5.875 1,336.74 CLEARWATER FL 33755 5 01/14/04 04 0419455274 05 03/01/04 25 0419455274 O 02/01/34 0 9054872 E22/G02 F 58,500.00 ZZ 360 58,500.00 4 7.125 394.13 90 6.875 394.13 HUNTINGTON IN 46750 1 01/20/04 01 0419471354 05 03/01/04 25 0419471354 N 02/01/34 0 9054892 E22/G02 F 68,900.00 ZZ 360 68,900.00 1 6.250 424.23 90 6.000 424.23 SPRINGFIELD OR 97477 1 01/05/04 04 0419418371 05 03/01/04 25 0419418371 N 02/01/34 0 1 9054898 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 7.250 682.18 80 7.000 682.18 PALM COAST FL 32137 1 01/16/04 00 0419419338 05 03/01/04 0 0419419338 N 02/01/34 0 9054908 E22/G02 F 49,000.00 ZZ 360 49,000.00 1 7.125 330.12 65 6.875 330.12 SAINT LOUIS MO 63118 2 01/20/04 00 0419423322 05 03/01/04 0 0419423322 N 02/01/34 0 9054912 E22/G02 F 74,400.00 ZZ 360 74,400.00 1 6.375 464.16 80 6.125 464.16 SAGINAW TX 76179 1 01/16/04 00 0419428800 05 03/01/04 0 0419428800 N 02/01/34 0 9054934 E22/G02 F 68,000.00 ZZ 360 68,000.00 1 6.250 418.69 83 6.000 418.69 BILOXI MS 39531 5 01/13/04 10 0419381082 05 03/01/04 12 0419381082 O 02/01/34 0 9054946 E22/G02 F 134,500.00 ZZ 360 134,500.00 1 6.375 839.11 95 6.125 839.11 CEDAR LAKE IN 46303 2 01/13/04 01 0419395405 05 03/01/04 30 0419395405 O 02/01/34 0 9054970 E22/G02 F 108,775.00 ZZ 360 108,775.00 1 6.625 696.50 95 6.375 696.50 1 TROY MO 63379 1 01/20/04 01 0419397468 05 03/01/04 30 0419397468 O 02/01/34 0 9054976 E22/G02 F 316,000.00 ZZ 360 316,000.00 1 6.500 1,997.33 80 6.250 1,997.33 FAIRVIEW OR 97024 5 01/12/04 00 0419399852 03 03/01/04 0 0419399852 O 02/01/34 0 9054982 E22/G02 F 84,000.00 ZZ 360 84,000.00 1 5.875 496.89 80 5.625 496.89 LOUISVILLE KY 40211 5 01/14/04 00 0419401484 05 03/01/04 0 0419401484 O 02/01/34 0 9054984 E22/G02 F 65,000.00 ZZ 360 65,000.00 1 6.500 410.84 80 6.250 410.84 HUNTSVILLE AL 35803 1 01/20/04 00 0419315775 05 03/01/04 0 0419315775 N 02/01/34 0 9055010 E22/G02 F 228,000.00 ZZ 360 228,000.00 1 6.625 1,459.91 90 6.375 1,459.91 KENMORE WA 98028 5 01/13/04 04 0419343090 05 03/01/04 25 0419343090 O 02/01/34 0 9055050 E22/G02 F 121,937.00 ZZ 360 121,937.00 1 6.125 740.90 85 5.875 740.90 NEWPORT NEWS VA 23602 2 01/13/04 04 0419285952 05 03/01/04 12 0419285952 O 02/01/34 0 1 9055054 E22/G02 F 268,000.00 ZZ 360 268,000.00 2 6.375 1,671.97 75 6.125 1,671.97 CHICAGO IL 60618 5 01/14/04 00 0419299540 05 03/01/04 0 0419299540 O 02/01/34 0 9055098 E22/G02 F 67,500.00 ZZ 360 67,500.00 3 6.875 443.43 75 6.625 443.43 HUNTINGTON IN 46750 1 01/20/04 00 0419182704 05 03/01/04 0 0419182704 N 02/01/34 0 9055104 E22/G02 F 256,750.00 ZZ 360 256,750.00 3 6.500 1,622.83 66 6.250 1,622.83 HAVERHILL MA 01832 5 01/13/04 00 0419194394 05 03/01/04 0 0419194394 O 02/01/34 0 9055124 E22/G02 F 72,750.00 ZZ 360 72,750.00 2 7.500 508.68 75 7.250 508.68 SAINT LOUIS MO 63118 5 01/20/04 00 0418614574 05 03/01/04 0 0418614574 N 02/01/34 0 9055730 U05/G02 F 100,000.00 TX 360 100,000.00 1 6.375 623.87 80 6.125 623.87 LAREDO TX 78043 5 01/09/04 00 0437367584 05 03/01/04 0 3000452445 O 02/01/34 0 9055736 K15/G02 F 119,600.00 ZZ 360 119,600.00 1 1 6.375 746.15 87 6.125 746.15 ST CHARLES MO 63301 2 12/31/03 41 0437355134 05 03/01/04 25 014905526361 O 02/01/34 0 9055740 U05/G02 F 88,000.00 TX 240 86,808.83 1 5.750 617.83 74 5.500 617.83 AUSTIN TX 78753 5 07/03/03 00 0437360951 05 09/01/03 0 3362362 O 08/01/23 0 9055852 E47/G02 F 215,000.00 ZZ 360 215,000.00 1 6.125 1,306.36 76 5.875 1,306.36 MANTECA CA 95337 5 01/02/04 00 0437364300 05 03/01/04 0 7359517829 O 02/01/34 0 9055954 N47/G02 F 150,000.00 ZZ 360 150,000.00 2 6.500 948.10 80 6.250 948.10 PHOENIX AZ 85040 1 01/07/04 00 0437387723 05 03/01/04 0 30510820 N 02/01/34 0 9056214 G34/G02 F 135,250.00 ZZ 360 135,250.00 1 6.500 854.87 51 6.250 854.87 LAS VEGAS NV 89138 1 01/09/04 00 0437352115 05 03/01/04 0 77321038 N 02/01/34 0 9056406 X84/G02 F 206,700.00 ZZ 360 206,700.00 1 6.125 1,255.94 65 5.875 1,255.94 WESTMINSTER MD 21158 5 01/15/04 00 0437361983 05 03/01/04 0 1 902212 O 02/01/34 0 9060008 U05/G02 F 135,920.00 ZZ 360 135,920.00 1 6.375 847.96 80 6.125 847.96 LIVINGSTON CA 95334 1 01/09/04 00 0437370067 05 03/01/04 0 3444208 N 02/01/34 0 9060138 E82/G02 F 82,000.00 ZZ 360 82,000.00 1 6.625 525.05 73 6.375 525.05 BRAHAM MN 55006 2 01/19/04 00 0400937686 05 03/01/04 0 0400937686 O 02/01/34 0 9060170 H49/G02 F 80,000.00 ZZ 360 80,000.00 2 7.500 559.37 80 7.250 559.37 LEXINGTON KY 40504 1 01/13/04 00 0437376056 05 03/01/04 0 547713401 N 02/01/34 0 9060176 T23/G02 F 40,500.00 ZZ 360 40,500.00 1 7.125 272.86 58 6.875 272.86 MANSFIELD OH 44905 5 01/16/04 00 0437378227 05 03/01/04 0 7179 O 02/01/34 0 9060220 K60/G02 F 110,400.00 ZZ 360 110,400.00 1 7.375 762.51 80 7.125 762.51 LITTLETON CO 80128 1 01/12/04 00 0437331721 09 03/01/04 0 87486 N 02/01/34 0 1 9060250 N74/G02 F 84,000.00 ZZ 360 83,914.36 1 5.875 496.89 78 5.625 496.89 STANLEY NC 28164 5 01/14/04 00 0437367683 05 02/20/04 0 0034013011 O 01/20/34 0 9060260 X81/G02 F 135,000.00 ZZ 360 135,000.00 1 7.000 898.16 80 6.750 898.16 SARTELL MN 56377 5 01/19/04 00 0437365018 07 03/01/04 0 9541401671 O 02/01/34 0 9060380 E22/G02 F 108,400.00 ZZ 360 108,400.00 1 6.000 649.91 80 5.750 649.91 SELAH WA 98942 1 01/15/04 00 0419477245 05 03/01/04 0 0419477245 O 02/01/34 0 9060434 E22/G02 F 210,400.00 TX 360 210,400.00 1 6.250 1,295.47 80 6.000 1,295.47 SUGAR LAND TX 77479 5 01/15/04 00 0419494919 03 03/01/04 0 0419494919 O 02/01/34 0 9060468 E22/G02 F 142,920.00 ZZ 360 142,920.00 1 6.250 879.98 80 6.000 879.98 WOODBURN OR 97071 1 01/16/04 00 0419442447 03 03/01/04 0 0419442447 O 02/01/34 0 9060480 E22/G02 F 220,000.00 ZZ 360 220,000.00 1 6.125 1,336.74 82 5.875 1,336.74 1 MILTON FL 32570 2 01/15/04 01 0419453535 05 03/01/04 12 0419453535 O 02/01/34 0 9060692 E22/G02 F 189,000.00 ZZ 360 189,000.00 1 6.125 1,148.38 79 5.875 1,148.38 CHAMBERSBURG PA 17201 5 01/15/04 00 0419418728 05 03/01/04 0 0419418728 O 02/01/34 0 9060716 E22/G02 F 152,400.00 ZZ 360 152,400.00 1 6.250 938.35 60 6.000 938.35 TUCKERTON NJ 08087 1 01/21/04 00 0419255369 05 03/01/04 0 0419255369 O 02/01/34 0 9060766 E22/G02 F 56,610.00 ZZ 360 56,610.00 1 6.500 357.81 90 6.250 357.81 KALAMAZOO MI 49001 1 01/21/04 04 0419305487 05 03/01/04 25 0419305487 N 02/01/34 0 9060842 E22/G02 F 128,000.00 ZZ 360 128,000.00 2 6.750 830.21 80 6.500 830.21 WELCHES OR 97067 5 01/02/04 00 0418964904 05 03/01/04 0 0418964904 N 02/01/34 0 9060878 E22/G02 F 57,510.00 ZZ 360 57,510.00 1 6.500 363.50 90 6.250 363.50 KALAMAZOO MI 49001 1 01/21/04 01 0419117346 05 03/01/04 30 0419117346 N 02/01/34 0 1 9060882 E22/G02 F 192,000.00 ZZ 360 192,000.00 1 6.500 1,213.57 80 6.250 1,213.57 FONTANA CA 92335 5 01/15/04 00 0419123278 05 03/01/04 0 0419123278 O 02/01/34 0 9060906 E22/G02 F 87,300.00 ZZ 360 87,300.00 4 7.500 610.41 90 7.250 610.41 OMAHA NE 68105 5 01/15/04 04 0418632857 05 03/01/04 25 0418632857 O 02/01/34 0 9061032 E22/G02 F 63,900.00 ZZ 360 63,900.00 1 6.750 414.45 90 6.500 414.45 ORIENT OH 43146 1 01/21/04 01 0419599899 05 03/01/04 25 0419599899 N 02/01/34 0 9061038 E22/G02 F 120,000.00 ZZ 360 120,000.00 2 6.750 778.32 74 6.500 778.32 NEW ORLEANS LA 70117 2 01/21/04 00 0419602347 05 03/01/04 0 0419602347 N 02/01/34 0 9061068 E22/G02 F 71,200.00 ZZ 360 71,200.00 1 6.125 432.62 80 5.875 432.62 GREAT FALLS MT 59401 5 01/21/04 00 0419538764 05 03/01/04 0 0419538764 N 02/01/34 0 9061160 E22/G02 F 156,800.00 ZZ 360 156,800.00 1 1 6.250 965.44 80 6.000 965.44 PORTLAND OR 97223 2 01/12/04 00 0419505946 05 03/01/04 0 0419505946 O 02/01/34 0 9061174 E22/G02 F 70,000.00 ZZ 360 70,000.00 1 6.375 436.71 47 6.125 436.71 PLEASANT GROVE AL 35127 5 01/15/04 00 0419513700 05 03/01/04 0 0419513700 O 02/01/34 0 9061196 E22/G02 F 94,000.00 ZZ 360 94,000.00 1 6.500 594.14 68 6.250 594.14 SLAUGHTER LA 70777 5 01/15/04 00 0419519640 05 03/01/04 0 0419519640 O 02/01/34 0 9061208 E22/G02 F 129,300.00 ZZ 360 129,300.00 1 6.500 817.26 90 6.250 817.26 LAS VEGAS NV 89128 1 01/08/04 01 0419521323 09 03/01/04 25 0419521323 N 02/01/34 0 9061356 S27/G02 F 136,336.00 ZZ 360 136,336.00 1 6.125 828.40 90 5.875 828.40 ORLANDO FL 32825 1 01/20/04 10 0437380330 05 03/01/04 25 1010035153 O 02/01/34 0 9061484 S27/G02 F 88,000.00 ZZ 360 88,000.00 2 6.625 563.48 80 6.375 563.48 PHILLIPSBURG NJ 08865 1 01/15/04 00 0437364870 05 03/01/04 0 1 1130017627 N 02/01/34 0 9061606 U85/G02 F 118,400.00 ZZ 360 118,400.00 1 6.500 748.37 80 6.250 748.37 WEST ALLIS WI 53227 1 01/20/04 00 0437362197 05 03/01/04 0 TQS603 O 02/01/34 0 9061646 L20/G02 F 128,800.00 ZZ 360 128,800.00 2 6.625 824.72 80 6.375 824.72 SALT LAKE CITY UT 84111 1 01/16/04 00 0437366719 05 03/01/04 0 1271000035 O 02/01/34 0 9061676 X60/G02 F 159,600.00 ZZ 360 159,600.00 1 6.125 969.75 80 5.875 969.75 TACOMA WA 98406 1 01/13/04 00 0437377096 05 03/01/04 0 127041201 O 02/01/34 0 9062076 313/G02 F 111,100.00 ZZ 360 111,100.00 1 6.125 675.06 80 5.875 675.06 MESA AZ 85208 1 01/16/04 00 0437364508 03 03/01/04 0 0010013548 O 02/01/34 0 9062084 L76/G02 F 57,600.00 ZZ 360 57,600.00 1 6.500 364.07 90 6.250 364.07 HURON KS 66041 5 01/20/04 11 0437380397 05 03/01/04 25 992410000 O 02/01/34 0 1 9062276 B39/G02 F 143,685.00 ZZ 360 143,685.00 1 7.250 980.18 90 7.000 980.18 RIVER FALLS WI 54022 1 01/20/04 12 0437353592 05 03/01/04 25 04800022F N 02/01/34 0 9062334 F36/G02 F 200,000.00 ZZ 360 200,000.00 1 6.625 1,280.62 80 6.375 1,280.62 OLYMPIA WA 98512 2 01/09/04 00 0437379928 05 03/01/04 0 06407842 O 02/01/34 0 9062686 P34/G02 F 90,000.00 ZZ 360 90,000.00 4 6.750 583.74 41 6.500 583.74 PROVIDENCE RI 02905 5 01/06/04 00 0437372154 05 03/01/04 0 16867 N 02/01/34 0 9063016 M27/G02 F 185,500.00 ZZ 360 185,500.00 1 6.375 1,157.28 75 6.125 1,157.28 NASHVILLE TN 37204 5 01/12/04 00 0437364722 05 03/01/04 0 630033463 O 02/01/34 0 9063450 P01/G02 F 121,500.00 ZZ 360 121,500.00 4 7.250 828.84 90 7.000 828.84 SCHENECTADY NY 12305 1 01/07/04 10 0437360969 05 03/01/04 25 03005359 N 02/01/34 0 9063536 E82/G02 F 91,300.00 ZZ 360 91,300.00 1 6.375 569.59 54 6.125 569.59 1 MOORESVILLE IN 46158 2 01/20/04 00 0400940896 05 03/01/04 0 0400940896 O 02/01/34 0 9063558 E82/G02 F 208,300.00 ZZ 360 208,300.00 3 6.375 1,299.52 50 6.125 1,299.52 DORCHESTER MA 02122 2 01/16/04 00 0400941514 05 03/01/04 0 0400941514 N 02/01/34 0 9063580 E82/G02 F 179,200.00 ZZ 360 179,200.00 1 6.500 1,132.67 80 6.250 1,132.67 SPRING TX 77379 2 01/16/04 00 0400926762 03 03/01/04 0 0400926762 O 02/01/34 0 9065182 E22/G02 F 56,700.00 ZZ 360 56,700.00 1 6.250 349.11 90 6.000 349.11 BESSEMER AL 35020 1 01/22/04 11 0419592795 05 03/01/04 25 0419592795 O 02/01/34 0 9065208 E22/G02 F 238,500.00 ZZ 360 238,500.00 4 7.250 1,626.99 90 7.000 1,626.99 MATAIRIE LA 70006 1 01/22/04 10 0419597570 05 03/01/04 25 0419597570 N 02/01/34 0 9065258 E22/G02 F 120,000.00 ZZ 360 120,000.00 2 6.625 768.37 69 6.375 768.37 NEW ORLEANS LA 70119 2 01/22/04 00 0419606207 05 03/01/04 0 0419606207 N 02/01/34 0 1 9065294 E22/G02 F 94,050.00 ZZ 360 94,050.00 1 7.000 625.72 95 6.750 625.72 SOUTH BEND IN 46614 5 01/16/04 04 0419548342 05 03/01/04 25 0419548342 O 02/01/34 0 9065378 E22/G02 F 280,000.00 ZZ 360 280,000.00 4 6.875 1,839.40 80 6.625 1,839.40 LAKE WORTH FL 33460 1 01/22/04 00 0419523055 05 03/01/04 0 0419523055 N 02/01/34 0 9065394 E22/G02 F 96,300.00 ZZ 360 96,300.00 1 6.250 592.94 23 6.000 592.94 GRANITE BAY CA 95746 2 01/07/04 00 0419529821 05 03/01/04 0 0419529821 N 02/01/34 0 9065452 E22/G02 F 312,000.00 ZZ 360 312,000.00 1 6.500 1,972.05 80 6.250 1,972.05 BELLEVUE WA 98006 5 01/14/04 00 0419532007 05 03/01/04 0 0419532007 O 02/01/34 0 9065462 E22/G02 F 64,000.00 ZZ 360 64,000.00 1 6.000 383.71 80 5.750 383.71 SARAH MS 38665 2 01/16/04 00 0419534599 05 03/01/04 0 0419534599 O 02/01/34 0 9065494 E22/G02 F 65,000.00 ZZ 360 65,000.00 1 1 6.875 427.00 60 6.625 427.00 APPLE VALLEY CA 92308 5 01/08/04 00 0419537014 05 03/01/04 0 0419537014 N 02/01/34 0 9065982 E22/G02 F 105,800.00 ZZ 360 105,800.00 1 5.875 625.85 59 5.625 625.85 GARDENDALE AL 35071 2 01/16/04 00 0419516653 05 03/01/04 0 0419516653 O 02/01/34 0 9066606 E22/G02 F 224,000.00 ZZ 240 224,000.00 1 6.375 1,653.64 79 6.125 1,653.64 MEMPHIS TN 38111 5 01/16/04 00 0419472063 05 03/01/04 0 0419472063 O 02/01/24 0 9067880 U05/G02 F 136,000.00 ZZ 360 136,000.00 1 6.250 837.38 80 6.000 837.38 COLUMBUS OH 43204 5 01/13/04 00 0437367949 05 03/01/04 0 3438899 N 02/01/34 0 9067894 Q14/G02 F 123,300.00 ZZ 300 123,300.00 3 6.500 832.53 90 6.250 832.53 RIO RICO AZ 85648 1 01/16/04 01 0437372139 05 03/01/04 25 0000417820 N 02/01/29 0 9068046 E22/G02 F 106,500.00 ZZ 360 106,500.00 2 6.250 655.74 75 6.000 655.74 REDMOND OR 97756 1 01/15/04 00 0419435797 05 03/01/04 0 1 0419435797 N 02/01/34 0 9068068 E22/G02 F 64,000.00 ZZ 360 64,000.00 1 7.125 431.18 72 6.875 431.18 WOODBRIDGE VA 22192 5 01/08/04 00 0419241575 01 03/01/04 0 0419241575 N 02/01/34 0 9068070 E22/G02 F 232,000.00 ZZ 360 232,000.00 1 6.000 1,390.96 68 5.750 1,390.96 BRISTOW VA 20136 5 01/16/04 00 0419247242 05 03/01/04 0 0419247242 O 02/01/34 0 9068074 E22/G02 F 146,850.00 ZZ 360 146,850.00 1 6.625 940.30 78 6.375 940.30 SAN ANTONIO TX 78255 2 01/14/04 00 0419265814 05 03/01/04 0 0419265814 O 02/01/34 0 9068088 F96/G02 F 175,500.00 ZZ 360 175,500.00 1 6.875 1,152.91 90 6.625 1,152.91 ELMSFORD NY 10523 2 01/06/04 12 0437360670 01 03/01/04 25 501000098 O 02/01/34 0 9068098 E22/G02 F 192,000.00 ZZ 360 192,000.00 1 6.125 1,166.61 80 5.875 1,166.61 MARIETTA GA 30068 5 01/16/04 00 0419308929 03 03/01/04 0 0419308929 O 02/01/34 0 1 9068114 E22/G02 F 173,600.00 ZZ 360 173,600.00 1 6.500 1,097.27 80 6.250 1,097.27 EAGLE MOUNTAIN UT 84043 2 01/16/04 00 0419349436 05 03/01/04 0 0419349436 O 02/01/34 0 9068142 E22/G02 F 272,000.00 ZZ 360 272,000.00 1 6.000 1,630.78 80 5.750 1,630.78 SEATTLE WA 98107 2 01/14/04 00 0419032305 05 03/01/04 0 0419032305 O 02/01/34 0 9068172 E22/G02 F 96,500.00 ZZ 360 96,500.00 1 5.875 570.83 54 5.625 570.83 BOYNTON BEACH FL 33435 2 01/16/04 00 0419108782 05 03/01/04 0 0419108782 O 02/01/34 0 9068174 E22/G02 F 288,000.00 ZZ 360 288,000.00 1 6.125 1,749.92 80 5.875 1,749.92 SANTA ANA CA 92707 2 01/06/04 00 0419109749 05 03/01/04 0 0419109749 O 02/01/34 0 9068186 E22/G02 F 94,500.00 TX 360 94,500.00 1 6.750 612.93 76 6.500 612.93 GAINESVILLE TX 76240 5 01/16/04 00 0419360722 05 03/01/04 0 0419360722 O 02/01/34 0 9068188 N47/G02 F 63,750.00 ZZ 360 63,750.00 1 6.500 402.94 75 6.250 402.94 1 INDEPENDENCE MO 64052 5 01/15/04 00 0437374911 05 03/01/04 0 30510491 N 02/01/34 0 9068196 E22/G02 F 104,000.00 ZZ 360 104,000.00 1 6.625 665.92 15 6.375 665.92 MANSON WA 98831 5 01/14/04 00 0419366018 05 03/01/04 0 0419366018 O 02/01/34 0 9068254 E22/G02 F 80,000.00 ZZ 360 80,000.00 1 6.125 486.09 80 5.875 486.09 SANDY UT 84070 5 01/14/04 00 0419393442 01 03/01/04 0 0419393442 O 02/01/34 0 9068260 E22/G02 F 167,680.00 ZZ 360 167,680.00 1 6.000 1,005.33 80 5.750 1,005.33 FREELAND WA 98249 1 01/16/04 00 0419394036 03 03/01/04 0 0419394036 O 02/01/34 0 9068296 E85/G02 F 320,000.00 ZZ 360 320,000.00 1 5.875 1,892.92 59 5.625 1,892.92 ALBANY CA 94706 5 01/13/04 00 0437375173 05 03/01/04 0 1008613 O 02/01/34 0 9068302 P44/G02 F 213,200.00 ZZ 360 213,200.00 1 6.000 1,278.24 80 5.750 1,278.24 ROCKLAND MA 02370 1 01/21/04 00 0437360878 01 03/01/04 0 RR20032434 O 02/01/34 0 1 9068326 U35/G02 F 55,620.00 ZZ 360 55,620.00 1 6.875 365.38 90 6.625 365.38 DES MOINES IA 50317 1 01/21/04 04 0437390941 05 03/01/04 25 14748874 N 02/01/34 0 9068372 E85/G02 F 333,700.00 ZZ 360 333,700.00 2 5.875 1,973.96 60 5.625 1,973.96 NOVATO CA 94949 2 01/09/04 00 0437375496 05 03/01/04 0 1008559 N 02/01/34 0 9068530 W68/G02 F 110,000.00 TX 360 110,000.00 1 6.625 704.34 34 6.375 704.34 AUSTIN TX 78756 5 01/13/04 00 0437367170 05 03/01/04 0 4010028 O 02/01/34 0 9068532 N74/G02 F 260,000.00 ZZ 360 260,000.00 1 5.875 1,538.00 80 5.625 1,538.00 SANDY UT 84093 5 01/16/04 00 0437375025 05 03/01/04 0 0034024011 O 02/01/34 0 9068608 H49/G02 F 62,900.00 ZZ 360 62,900.00 1 7.500 439.81 77 7.250 439.81 MARKHAM IL 60426 5 01/07/04 00 0437377187 05 03/01/04 0 54526696 N 02/01/34 0 9069194 E82/G02 F 136,800.00 ZZ 360 136,800.00 1 1 6.375 853.45 95 6.125 853.45 SALEM NJ 08079 2 01/19/04 10 0400936670 05 03/01/04 30 0400936670 O 02/01/34 0 9069248 E82/G02 F 113,000.00 ZZ 360 113,000.00 1 6.250 695.76 75 6.000 695.76 CORTLAND IL 60112 2 01/22/04 00 0400943932 05 03/01/04 0 0400943932 O 02/01/34 0 9069252 E82/G02 F 161,000.00 ZZ 360 161,000.00 1 6.875 1,057.66 70 6.625 1,057.66 COTTAGE GROVE MN 55016 2 01/22/04 00 0400942728 05 03/01/04 0 0400942728 N 02/01/34 0 9069426 E22/G02 F 215,500.00 ZZ 360 215,500.00 1 6.250 1,326.87 90 6.000 1,326.87 NORWALK CA 90650 5 01/15/04 01 0419647581 05 03/01/04 25 0419647581 O 02/01/34 0 9069466 E22/G02 F 86,300.00 ZZ 360 86,300.00 1 7.125 581.42 90 6.875 581.42 HARVEY LA 70058 2 01/23/04 01 0419588231 05 03/01/04 25 0419588231 N 02/01/34 0 9069578 E22/G02 F 156,000.00 ZZ 360 156,000.00 2 5.875 922.80 80 5.625 922.80 CHICAGO IL 60624 5 01/23/04 00 0419547005 05 03/01/04 0 1 0419547005 N 02/01/34 0 9069606 E22/G02 F 46,000.00 ZZ 360 46,000.00 1 7.000 306.04 91 6.750 306.04 VIRGINIA BEACH VA 23462 1 01/23/04 04 0419488424 01 03/01/04 25 0419488424 O 02/01/34 0 9069616 E22/G02 F 143,100.00 ZZ 360 143,100.00 2 6.625 916.28 90 6.375 916.28 IRVINGTON NJ 07111 1 01/23/04 01 0419498860 05 03/01/04 25 0419498860 N 02/01/34 0 9069618 E22/G02 F 121,600.00 ZZ 360 121,600.00 1 6.250 748.71 80 6.000 748.71 PUEBLO CO 81004 2 01/23/04 00 0419500616 05 03/01/04 0 0419500616 N 02/01/34 0 9069674 E22/G02 F 99,200.00 TX 360 99,200.00 1 6.375 618.88 80 6.125 618.88 ANNA TX 75409 5 01/19/04 00 0419437470 05 03/01/04 0 0419437470 O 02/01/34 0 9069806 E22/G02 F 83,700.00 ZZ 360 83,700.00 1 6.125 508.57 90 5.875 508.57 SUTHERLIN OR 97479 1 01/15/04 10 0419371216 05 03/01/04 25 0419371216 N 02/01/34 0 1 9069810 E22/G02 F 294,000.00 ZZ 360 294,000.00 1 6.000 1,762.68 80 5.750 1,762.68 SANTA ROSA CA 95403 5 01/16/04 00 0419376991 05 03/01/04 0 0419376991 O 02/01/34 0 9069814 E22/G02 F 103,500.00 ZZ 360 103,500.00 1 6.250 637.27 75 6.000 637.27 COLORADO SPRING CO 80910 1 01/23/04 00 0419379011 05 03/01/04 0 0419379011 N 02/01/34 0 9069818 E22/G02 F 174,400.00 ZZ 360 174,400.00 1 6.125 1,059.67 80 5.875 1,059.67 MINDEN NV 89423 1 01/07/04 00 0419391610 05 03/01/04 0 0419391610 O 02/01/34 0 9069826 E22/G02 F 141,435.00 ZZ 360 141,435.00 4 7.125 952.87 90 6.875 952.87 GRAND RAPIDS MI 49508 1 01/23/04 10 0419410444 05 03/01/04 25 0419410444 N 02/01/34 0 9069830 E22/G02 F 80,900.00 ZZ 360 80,900.00 1 6.875 531.46 90 6.625 531.46 CONYERS GA 30012 1 01/23/04 10 0419412903 05 03/01/04 25 0419412903 N 02/01/34 0 9069840 E22/G02 F 64,700.00 ZZ 240 64,700.00 1 7.375 516.28 90 7.125 516.28 1 SHAWNEE OK 74801 5 01/19/04 01 0418670246 05 03/01/04 25 0418670246 O 02/01/24 0 9069926 E22/G02 F 148,800.00 ZZ 360 148,800.00 1 6.000 892.13 80 5.750 892.13 PORTLAND OR 97220 1 01/20/04 00 0419251673 05 03/01/04 0 0419251673 O 02/01/34 0 9070054 A50/G02 F 104,400.00 ZZ 360 104,400.00 1 6.625 668.49 90 6.375 668.49 ENTERPRISE AL 36330 1 01/09/04 11 0437379282 05 03/01/04 25 02045581 O 02/01/34 0 9070652 N47/G02 F 280,000.00 ZZ 360 280,000.00 1 6.250 1,724.01 68 6.000 1,724.01 SAN DIEGO CA 92111 5 01/16/04 00 0437378243 05 03/01/04 0 30510894 O 02/01/34 0 9071934 T29/G02 F 132,300.00 ZZ 360 132,300.00 1 6.000 793.21 90 5.750 793.21 PRESCOTT AZ 86303 1 01/08/04 10 0437374986 05 03/01/04 25 1595698 N 02/01/34 0 9072774 Y69/G02 F 144,000.00 ZZ 360 144,000.00 1 6.500 910.18 88 6.250 910.18 PEORIA AZ 85383 1 01/20/04 12 0437397615 05 03/01/04 25 1010000978 O 02/01/34 0 1 9072794 Y69/G02 F 121,500.00 ZZ 360 121,500.00 3 6.625 777.98 90 6.375 777.98 ALBUQUERQUE NM 87108 1 01/14/04 12 0437375918 05 03/01/04 25 1010000765 N 02/01/34 0 9073334 X91/G02 F 500,000.00 ZZ 360 500,000.00 1 6.625 3,201.55 60 6.375 3,201.55 KIHEI HI 96753 1 01/12/04 00 0437367824 05 03/01/04 0 811258 O 02/01/34 0 9074248 E22/G02 F 84,000.00 ZZ 240 84,000.00 1 6.250 613.98 80 6.000 613.98 DALLAS TX 75209 1 01/26/04 00 0419633912 05 03/01/04 0 0419633912 N 02/01/24 0 9074254 E22/G02 F 76,450.00 ZZ 360 76,450.00 2 7.000 508.62 90 6.750 508.62 EDMOND OK 73003 1 01/26/04 01 0419641378 05 03/01/04 25 0419641378 N 02/01/34 0 9074258 E22/G02 F 76,450.00 ZZ 360 76,450.00 2 7.000 508.62 90 6.750 508.62 OKLAHOMA CITY OK 73114 1 01/26/04 01 0419645577 05 03/01/04 25 0419645577 N 02/01/34 0 9074260 E22/G02 F 76,450.00 ZZ 360 76,450.00 2 1 7.000 508.62 90 6.750 508.62 EDMOND OK 73003 1 01/26/04 01 0419645668 05 03/01/04 25 0419645668 N 02/01/34 0 9074262 E22/G02 F 76,450.00 ZZ 360 76,450.00 2 7.000 508.62 90 6.750 508.62 EDMOND OK 73003 1 01/26/04 01 0419645742 05 03/01/04 25 0419645742 N 02/01/34 0 9074304 E22/G02 F 180,000.00 ZZ 360 180,000.00 3 6.875 1,182.47 80 6.625 1,182.47 EAST ORANGE NJ 07018 1 01/26/04 00 0419610985 05 03/01/04 0 0419610985 N 02/01/34 0 9074356 E22/G02 F 121,000.00 ZZ 240 121,000.00 1 6.125 875.63 73 5.875 875.63 COLORADO SPRING CO 80917 2 01/21/04 00 0419570478 05 03/01/04 0 0419570478 O 02/01/24 0 9074398 E22/G02 F 110,500.00 ZZ 360 110,500.00 1 6.125 671.41 80 5.875 671.41 PORT ST. LUCIE FL 34953 1 01/26/04 00 0419525324 05 03/01/04 0 0419525324 O 02/01/34 0 9074434 E22/G02 F 76,500.00 ZZ 360 76,500.00 3 6.750 496.18 90 6.500 496.18 NEWPORT KY 41071 1 01/26/04 01 0419494851 05 03/01/04 25 1 0419494851 N 02/01/34 0 9074436 E22/G02 F 83,970.00 ZZ 360 83,970.00 4 6.750 544.63 90 6.500 544.63 NEWPORT KY 41071 1 01/26/04 01 0419495015 05 03/01/04 25 0419495015 N 02/01/34 0 9074438 E22/G02 F 123,300.00 ZZ 360 123,300.00 1 6.750 799.72 90 6.500 799.72 COMMERCE TOWNSH MI 48390 5 01/20/04 01 0419495601 05 03/01/04 25 0419495601 O 02/01/34 0 9074454 E22/G02 F 90,400.00 TX 360 90,400.00 1 6.250 556.61 80 6.000 556.61 HOUSTON TX 77061 5 01/20/04 00 0419508056 05 03/01/04 0 0419508056 O 02/01/34 0 9074484 E22/G02 F 100,800.00 ZZ 360 100,800.00 2 6.250 620.64 90 6.000 620.64 SPOKANE VALLEY WA 99206 1 01/12/04 04 0419454582 05 03/01/04 25 0419454582 O 02/01/34 0 9074516 E22/G02 F 212,000.00 ZZ 360 212,000.00 1 6.625 1,357.46 80 6.375 1,357.46 COVINGTON WA 98042 5 01/16/04 00 0419466446 05 03/01/04 0 0419466446 O 02/01/34 0 1 9074642 E22/G02 F 135,000.00 ZZ 360 135,000.00 2 6.375 842.22 90 6.125 842.22 GARDEN CITY MI 48135 1 01/26/04 04 0419432208 05 03/01/04 25 0419432208 N 02/01/34 0 9074656 E22/G02 F 75,000.00 ZZ 360 75,000.00 1 6.250 461.79 52 6.000 461.79 CASPER WY 82604 5 01/21/04 00 0419449475 05 03/01/04 0 0419449475 O 02/01/34 0 9074664 E22/G02 F 150,000.00 ZZ 360 150,000.00 1 6.125 911.42 59 5.875 911.42 MUNFORD AL 36268 5 01/21/04 00 0419453907 05 03/01/04 0 0419453907 O 02/01/34 0 9074668 E22/G02 F 67,000.00 ZZ 360 67,000.00 1 6.875 440.14 89 6.625 440.14 OKLAHOMA CITY OK 73111 5 01/20/04 04 0419118450 05 03/01/04 25 0419118450 O 02/01/34 0 9074758 E22/G02 F 266,400.00 TX 360 266,400.00 1 6.625 1,705.79 80 6.375 1,705.79 HOUSTON TX 77079 5 01/21/04 00 0419388558 03 03/01/04 0 0419388558 O 02/01/34 0 9074762 E22/G02 F 99,000.00 ZZ 360 99,000.00 1 6.375 617.63 77 6.125 617.63 1 PORTLAND OR 97266 2 01/20/04 00 0419401948 05 03/01/04 0 0419401948 N 02/01/34 0 9075174 K60/G02 F 223,250.00 ZZ 360 223,250.00 1 7.125 1,504.08 95 6.875 1,504.08 LOUISBURG NC 27549 2 01/15/04 04 0437374853 05 03/01/04 30 88184 O 02/01/34 0 9075384 X67/G02 F 59,000.00 ZZ 360 59,000.00 2 6.000 353.73 59 5.750 353.73 CHICAGO IL 60609 2 01/07/04 00 0437373103 05 03/01/04 0 0000431531 N 02/01/34 0 9075730 U42/G02 F 219,766.00 ZZ 360 219,766.00 1 6.250 1,353.14 80 6.000 1,353.14 MCKINNEY TX 75071 1 01/22/04 00 0437379332 05 03/01/04 0 60040022 O 02/01/34 0 9076366 E82/G02 F 75,000.00 ZZ 360 75,000.00 1 6.125 455.71 60 5.875 455.71 PLANO TX 75074 2 01/20/04 00 0400939288 05 03/01/04 0 0400938288 O 02/01/34 0 9076376 E82/G02 F 142,100.00 ZZ 360 142,100.00 1 6.500 898.17 86 6.250 898.17 MARGATE FL 33068 2 01/21/04 04 0400936753 05 03/01/04 25 0400936753 O 02/01/34 0 1 9076378 E82/G02 F 53,400.00 ZZ 360 53,400.00 1 6.875 350.80 88 6.625 350.80 BAY CITY MI 48708 2 01/23/04 04 0400939617 05 03/01/04 25 0400939617 O 02/01/34 0 9076398 E82/G02 F 183,500.00 ZZ 360 183,500.00 1 7.125 1,236.27 95 6.875 1,236.27 BEALETON VA 22712 5 01/23/04 04 0400935110 09 03/01/04 6 0400935110 O 02/01/34 0 9076486 758/G02 F 87,750.00 ZZ 360 87,750.00 4 7.250 598.61 90 7.000 598.61 BRYAN TX 77801 1 01/19/04 04 0437375165 05 03/01/04 25 202479 N 02/01/34 0 9076568 758/G02 F 156,600.00 ZZ 360 156,600.00 2 7.000 1,041.86 90 6.750 1,041.86 COLLEGE STATION TX 77845 1 01/07/04 04 0437375447 05 03/01/04 25 202539 N 02/01/34 0 9076940 E22/G02 F 82,650.00 ZZ 240 82,650.00 1 7.000 640.78 95 6.750 640.78 LAURENS SC 29360 5 01/20/04 10 0419396221 05 03/01/04 30 0419396221 O 02/01/24 0 9076990 E22/G02 F 87,400.00 ZZ 360 87,400.00 1 1 6.750 566.87 84 6.500 566.87 COLUMBUS GA 31909 5 01/20/04 04 0419445416 05 03/01/04 12 0419445416 O 02/01/34 0 9077022 N47/G02 F 255,000.00 ZZ 360 255,000.00 1 5.875 1,508.42 80 5.625 1,508.42 PITTSBURG CA 94565 5 01/14/04 00 0437377369 05 03/01/04 0 3051198 O 02/01/34 0 9077040 E22/G02 F 119,250.00 ZZ 360 119,250.00 1 5.875 705.41 75 5.625 705.41 CLEARWATER FL 33755 1 01/27/04 00 0419606348 05 03/01/04 0 0419606348 N 02/01/34 0 9077046 E22/G02 F 182,000.00 ZZ 360 182,000.00 1 5.875 1,076.60 85 5.625 1,076.60 DENVER CO 80249 2 01/22/04 01 0419608880 03 03/01/04 25 0419608880 O 02/01/34 0 9077058 E22/G02 F 76,000.00 ZZ 240 76,000.00 1 6.000 544.49 83 5.750 544.49 HOUSTON TX 77083 2 01/22/04 04 0419612957 03 03/01/04 12 0419612957 O 02/01/24 0 9077062 E22/G02 F 41,175.00 ZZ 360 41,175.00 1 6.875 270.49 75 6.625 270.49 OROSI CA 93647 1 01/15/04 00 0419621263 05 03/01/04 0 1 0419621263 N 02/01/34 0 9077086 E22/G02 F 123,750.00 ZZ 360 123,750.00 1 6.125 751.92 75 5.875 751.92 HOLLISTER MO 65672 2 01/22/04 00 0419508254 05 03/01/04 0 0419508254 O 02/01/34 0 9077102 E22/G02 F 308,000.00 ZZ 360 308,000.00 1 6.500 1,946.77 80 6.250 1,946.77 SEATTLE WA 98107 2 01/20/04 00 0419526306 05 03/01/04 0 0419526306 O 02/01/34 0 9077106 Q14/G02 F 94,400.00 ZZ 360 94,400.00 1 6.000 565.98 80 5.750 565.98 MANSON IA 50563 2 01/30/04 00 0437373400 05 03/01/04 0 0000317678 O 02/01/34 0 9077122 E22/G02 F 194,800.00 ZZ 360 194,800.00 1 6.875 1,279.70 80 6.625 1,279.70 HENDERSON NV 89074 1 01/16/04 00 0419538244 03 03/01/04 0 0419538244 N 02/01/34 0 9077128 E22/G02 F 240,000.00 ZZ 360 240,000.00 1 6.750 1,556.64 80 6.500 1,556.64 MIAMI LAKES FL 33015 1 01/27/04 00 0419539366 05 03/01/04 0 0419539366 O 02/01/34 0 1 9077136 U05/G02 F 134,400.00 ZZ 360 134,400.00 1 6.375 838.48 80 6.125 838.48 MIAMI LAKES FL 33014 5 01/20/04 00 0437377443 09 03/01/04 0 3000535875 O 02/01/34 0 9077206 E22/G02 F 195,000.00 ZZ 360 195,000.00 1 5.875 1,153.50 78 5.625 1,153.50 OAKLAND CA 94605 2 01/14/04 00 0418795399 05 03/01/04 0 0418795399 O 02/01/34 0 9077358 E22/G02 F 121,000.00 T 360 121,000.00 1 6.500 764.80 78 6.250 764.80 PARK CITY UT 84060 2 01/21/04 00 0419577861 01 03/01/04 0 0419577861 O 02/01/34 0 9077370 E22/G02 F 203,000.00 ZZ 360 203,000.00 1 6.125 1,233.45 79 5.875 1,233.45 RENO NV 89510 2 01/14/04 00 0419578968 05 03/01/04 0 0419578968 O 02/01/34 0 9077434 E22/G02 F 317,500.00 ZZ 360 317,500.00 2 5.750 1,852.84 76 5.500 1,852.84 EVERETT MA 02149 2 01/22/04 00 0419477310 05 03/01/04 0 0419477310 O 02/01/34 0 9077530 E22/G02 F 70,400.00 ZZ 360 70,400.00 4 7.250 480.25 80 7.000 480.25 1 LEBANON IL 62254 2 01/27/04 00 0437383995 05 03/01/04 0 0419378005 N 02/01/34 0 9077534 E22/G02 F 93,650.00 ZZ 360 93,650.00 1 6.125 569.03 80 5.875 569.03 BEND OR 97701 1 01/20/04 00 0419379656 05 03/01/04 0 0419379656 N 02/01/34 0 9077608 E22/G02 F 284,400.00 ZZ 360 284,400.00 1 5.875 1,682.33 90 5.625 1,682.33 HEBRON CT 06248 1 01/27/04 10 0419148150 05 03/01/04 25 0419148150 N 02/01/34 0 9077810 W84/G02 F 103,425.00 ZZ 360 103,425.00 1 6.500 653.72 75 6.250 653.72 PROVO UT 84601 1 01/13/04 00 0437374903 01 03/01/04 0 10092016 N 02/01/34 0 9078014 A52/G02 F 108,750.00 ZZ 360 108,750.00 1 6.625 696.34 75 6.375 696.34 DOUGLASVILLE GA 30135 5 01/28/04 00 0437375942 05 03/01/04 0 28647 N 02/01/34 0 9078126 Y62/G02 F 276,500.00 ZZ 360 276,500.00 1 5.875 1,635.60 76 5.625 1,635.60 WHITTIER AREA CA 90604 1 01/13/04 00 0437375421 05 03/01/04 0 8909169000 O 02/01/34 0 1 9078172 X67/G02 F 243,000.00 ZZ 360 243,000.00 1 6.500 1,535.93 66 6.250 1,535.93 SAN GABRIEL CA 91776 5 01/13/04 00 0437376130 05 03/01/04 0 0000437035 O 02/01/34 0 9078488 742/G02 F 171,000.00 ZZ 240 171,000.00 1 6.250 1,249.89 95 6.000 1,249.89 LEVITTOWN PA 19057 5 01/14/04 11 0437373988 05 03/01/04 30 10159788 O 02/01/24 0 9078532 E22/G02 F 160,000.00 ZZ 360 160,000.00 1 6.500 1,011.31 80 6.250 1,011.31 SELMA CA 93662 5 01/15/04 00 0419455670 05 03/01/04 0 0419455670 O 02/01/34 0 9078552 E22/G02 F 187,000.00 ZZ 360 187,000.00 1 6.500 1,181.97 85 6.250 1,181.97 AURORA IL 60506 5 01/23/04 01 0419475967 05 03/01/04 12 0419475967 O 02/01/34 0 9078568 E22/G02 F 137,600.00 ZZ 360 137,600.00 1 6.375 858.44 80 6.125 858.44 HENDERSON NV 89015 5 01/16/04 00 0419483847 05 03/01/04 0 0419483847 O 02/01/34 0 9078574 E22/G02 F 240,000.00 ZZ 360 240,000.00 1 1 6.250 1,477.72 80 6.000 1,477.72 METHUEN MA 01844 2 01/23/04 00 0419376421 01 03/01/04 0 0419376421 O 02/01/34 0 9078658 E22/G02 F 270,000.00 ZZ 360 270,000.00 1 6.000 1,618.79 36 5.750 1,618.79 OAKLAND CA 94610 2 01/21/04 00 0419576830 05 03/01/04 0 0419576830 N 02/01/34 0 9078686 E22/G02 F 184,500.00 ZZ 360 184,500.00 1 6.375 1,151.04 90 6.125 1,151.04 SPRINGFIELD OR 97478 1 01/23/04 04 0419592530 05 03/01/04 30 0419592530 O 02/01/34 0 9078716 E22/G02 F 233,000.00 ZZ 360 233,000.00 1 6.000 1,396.95 79 5.750 1,396.95 ANTELOPE CA 95843 1 01/23/04 00 0419516968 05 03/01/04 0 0419516968 O 02/01/34 0 9078804 E22/G02 F 286,000.00 ZZ 360 286,000.00 4 6.875 1,878.82 80 6.625 1,878.82 EUGENE OR 97404 1 01/22/04 00 0419297791 05 03/01/04 0 0419297791 N 02/01/34 0 9078812 E22/G02 F 161,000.00 ZZ 360 161,000.00 1 6.625 1,030.90 70 6.375 1,030.90 HARRISVILLE MI 48740 5 01/23/04 00 0419311030 05 03/01/04 0 1 0419311030 O 02/01/34 0 9078814 E22/G02 F 134,500.00 ZZ 360 134,500.00 1 6.250 828.14 95 6.000 828.14 POMPANO BEACH FL 33064 2 01/23/04 10 0419315155 05 03/01/04 30 0419315155 O 02/01/34 0 9078818 E22/G02 F 98,400.00 ZZ 360 98,400.00 1 6.625 630.07 80 6.375 630.07 FRESNO CA 93727 1 01/08/04 00 0419338447 05 03/01/04 0 0419338447 N 02/01/34 0 9078860 E22/G02 F 46,750.00 ZZ 360 46,750.00 1 7.500 326.88 85 7.250 326.88 KANSAS CITY KS 66104 5 01/23/04 01 0419491063 05 03/01/04 12 0419491063 O 02/01/34 0 9078886 E22/G02 F 160,000.00 ZZ 360 160,000.00 1 6.125 972.18 80 5.875 972.18 SUMNER WA 98390 2 01/22/04 00 0419506647 29 03/01/04 0 0419506647 O 02/01/34 0 9078890 E22/G02 F 98,000.00 ZZ 360 98,000.00 1 6.125 595.46 72 5.875 595.46 PORT SAINT LUCI FL 34983 5 01/23/04 00 0419604715 05 03/01/04 0 0419604715 O 02/01/34 0 1 9078896 E22/G02 F 42,750.00 ZZ 360 42,750.00 1 7.375 295.26 95 7.125 295.26 BALTIMORE MD 21215 1 01/28/04 01 0419614698 07 03/01/04 30 0419614698 O 02/01/34 0 9078922 E22/G02 F 114,800.00 ZZ 360 114,800.00 1 6.750 744.59 80 6.500 744.59 PLANO TX 75023 1 01/28/04 00 0419642947 05 03/01/04 0 0419642947 N 02/01/34 0 9078976 E22/G02 F 166,155.00 ZZ 360 166,155.00 1 6.875 1,091.52 95 6.625 1,091.52 HARVEY IL 60426 1 01/28/04 10 0419118583 05 03/01/04 30 0419118583 O 02/01/34 0 9079292 T44/G02 F 125,000.00 ZZ 360 125,000.00 1 7.250 852.72 51 7.000 852.72 SHAVER LAKE CA 93664 5 01/07/04 00 0437374614 05 03/01/04 0 1098914 N 02/01/34 0 9079334 X81/G02 F 190,400.00 ZZ 360 190,400.00 4 6.625 1,219.15 80 6.375 1,219.15 MINNEAPOLIS MN 55409 1 01/15/04 00 0437380546 05 03/01/04 0 9902071675 O 02/01/34 0 9079338 588/G02 F 144,000.00 ZZ 360 144,000.00 1 6.500 910.18 36 6.250 910.18 1 KENNETT TOWNSHI PA 19317 5 01/21/04 00 0437399694 05 03/01/04 0 1114263 O 02/01/34 0 9079970 642/G02 F 228,000.00 ZZ 360 228,000.00 1 6.500 1,441.12 80 6.250 1,441.12 LANCASTER CA 93536 5 01/26/04 00 0437379753 05 03/01/04 0 01113504 O 02/01/34 0 9080012 A35/G02 F 142,200.00 ZZ 360 142,200.00 1 6.500 898.80 90 6.250 898.80 STATEN ISLAND NY 10314 1 01/23/04 01 0437375306 01 03/01/04 25 16281 O 02/01/34 0 9080056 W34/G02 F 194,750.00 ZZ 360 194,750.00 1 7.375 1,345.09 95 7.125 1,345.09 SPANAWAY WA 98387 5 01/09/04 10 0437412984 05 03/01/04 30 8709800 O 02/01/34 0 9080126 A52/G02 F 90,500.00 ZZ 360 90,500.00 1 6.625 579.48 75 6.375 579.48 LILBURN GA 30047 2 01/28/04 00 0437375454 05 03/01/04 0 28585 N 02/01/34 0 9080730 E82/G02 F 193,700.00 ZZ 360 193,700.00 4 6.875 1,272.47 75 6.625 1,272.47 CANBY OR 97013 2 01/26/04 00 0400943973 05 03/01/04 0 0400943973 N 02/01/34 0 1 9080734 E82/G02 F 140,000.00 ZZ 360 140,000.00 1 6.250 862.00 80 6.000 862.00 CHAPEL HILL TN 37034 5 01/26/04 00 0400940888 05 03/01/04 0 0400940888 O 02/01/34 0 9080766 E82/G02 F 90,000.00 ZZ 360 90,000.00 1 7.500 629.29 95 7.250 629.29 CICERO NY 13039 5 01/26/04 04 0400936738 05 03/01/04 30 0400936738 O 02/01/34 0 9080768 E82/G02 F 160,000.00 ZZ 360 160,000.00 1 6.500 1,011.31 75 6.250 1,011.31 SAN JACINTO CA 92582 5 01/23/04 00 0400944401 05 03/01/04 0 0400944401 O 02/01/34 0 9080808 E47/G02 F 69,150.00 TX 360 68,909.33 1 6.750 448.51 79 6.500 448.51 SAN ANTONIO TX 78238 5 09/29/03 00 0437426299 05 11/01/03 0 7329014657 O 10/01/33 0 9080820 E82/G02 F 249,600.00 ZZ 360 249,600.00 1 6.750 1,618.90 80 6.500 1,618.90 COCONUT CREEK FL 33073 5 01/26/04 00 0400937025 03 03/01/04 0 0400937025 O 02/01/34 0 9080886 W08/G02 F 89,600.00 ZZ 360 89,600.00 1 1 6.750 581.14 78 6.500 581.14 MIAMI FL 33193 2 01/26/04 00 0437376254 01 03/01/04 0 034448MG O 02/01/34 0 9080926 R55/G02 F 196,000.00 ZZ 360 196,000.00 1 6.875 1,287.58 80 6.625 1,287.58 MILAN MI 48160 2 01/26/04 00 0437386071 05 03/01/04 0 MIJOHNSON O 02/01/34 0 9080982 E22/G02 F 54,000.00 ZZ 360 54,000.00 1 6.375 336.89 90 6.125 336.89 TULSA OK 74106 1 01/29/04 04 0419370473 03 03/01/04 25 0419370473 N 02/01/34 0 9080984 E22/G02 F 54,000.00 ZZ 360 54,000.00 1 6.375 336.89 90 6.125 336.89 TULSA OK 74106 1 01/29/04 04 0419375449 05 03/01/04 25 0419375449 N 02/01/34 0 9080994 E22/G02 F 150,400.00 ZZ 360 150,400.00 1 6.250 926.04 80 6.000 926.04 BAKERSFIELD CA 93313 5 01/22/04 00 0419436076 05 03/01/04 0 0419436076 O 02/01/34 0 9081096 E22/G02 F 73,500.00 ZZ 360 73,500.00 1 6.375 458.54 84 6.125 458.54 PUEBLO CO 81003 2 01/28/04 10 0419557426 05 03/01/04 20 1 0419557426 N 02/01/34 0 9081104 E22/G02 F 75,000.00 ZZ 360 75,000.00 1 6.625 480.23 75 6.375 480.23 ALBUQUERQUE NM 87121 5 01/28/04 00 0419564497 05 03/01/04 0 0419564497 N 02/01/34 0 9081114 E22/G02 F 315,000.00 ZZ 360 315,000.00 2 6.125 1,913.97 47 5.875 1,913.97 OAKLAND CA 94618 2 01/21/04 00 0419574082 05 03/01/04 0 0419574082 N 02/01/34 0 9081120 E22/G02 F 300,000.00 ZZ 360 300,000.00 1 6.125 1,822.83 52 5.875 1,822.83 RANCHO CUCAMONG CA 91737 1 01/14/04 00 0419579370 05 03/01/04 0 0419579370 O 02/01/34 0 9081192 E22/G02 F 297,500.00 ZZ 360 297,500.00 1 6.250 1,831.76 85 6.000 1,831.76 VIRGINIA BEACH VA 23457 1 01/29/04 04 0419106489 05 03/01/04 12 0419106489 O 02/01/34 0 9081196 E22/G02 F 228,000.00 ZZ 360 228,000.00 1 5.875 1,348.71 80 5.625 1,348.71 FORT WORTH TX 76112 2 01/28/04 00 0419113444 05 03/01/04 0 0419113444 O 02/01/34 0 1 9081206 E22/G02 F 119,900.00 ZZ 360 119,900.00 1 6.500 757.85 80 6.250 757.85 GREENACRES WA 99016 1 01/16/04 00 4019250675 05 03/01/04 0 0419250675 N 02/01/34 0 9081218 E22/G02 F 129,300.00 ZZ 360 129,300.00 1 6.000 775.22 75 5.750 775.22 FORT COLLINS CO 80526 1 01/29/04 00 0419287115 05 03/01/04 0 0419287115 N 02/01/34 0 9081248 E22/G02 F 93,150.00 ZZ 360 93,150.00 3 7.250 635.45 90 7.000 635.45 GRAND RAPIDS MI 49504 1 01/29/04 01 0419511282 05 03/01/04 25 0419511282 N 02/01/34 0 9081280 E22/G02 F 232,000.00 ZZ 360 232,000.00 1 6.500 1,466.40 80 6.250 1,466.40 CLEARWATER FL 33755 1 01/29/04 00 0419639216 05 03/01/04 0 0419639216 O 02/01/34 0 9081284 E22/G02 F 162,000.00 ZZ 360 162,000.00 1 6.250 997.46 90 6.000 997.46 KAYSVILLE UT 84037 1 01/22/04 04 0419642731 05 03/01/04 25 0419642731 N 02/01/34 0 9081452 B39/G02 F 120,600.00 ZZ 360 120,600.00 2 6.125 732.78 90 5.875 732.78 1 WAUSAU WI 54403 1 01/29/04 12 0437385594 05 03/01/04 25 04800054F O 02/01/34 0 9081528 U05/G02 F 212,000.00 TX 360 212,000.00 1 6.500 1,339.98 80 6.250 1,339.98 SUNNYVALE TX 75182 5 01/20/04 00 0437387509 03 03/01/04 0 3000479544 O 02/01/34 0 9081542 U19/G02 F 191,025.00 ZZ 360 191,025.00 4 7.375 1,319.36 90 7.125 1,319.36 PHOENIX AZ 85029 1 01/27/04 10 0437387715 05 03/01/04 25 11002974 N 02/01/34 0 9081582 Q14/G02 F 84,500.00 ZZ 360 84,500.00 1 6.500 534.10 80 6.250 534.10 DAVENPORT IA 52806 5 01/26/04 00 0437379126 05 03/01/04 0 0000417967 O 02/01/34 0 9081612 S27/G02 F 104,400.00 ZZ 360 104,400.00 1 6.500 659.88 80 6.250 659.88 GASTONIA NC 28056 1 01/28/04 00 0437377781 05 03/01/04 0 1900008084 N 02/01/34 0 9081690 S27/G02 F 137,750.00 ZZ 360 137,750.00 1 6.750 893.45 95 6.500 893.45 ORLANDO FL 32817 5 01/26/04 10 0437379316 03 03/01/04 30 1010035285 O 02/01/34 0 1 9082614 M27/G02 F 151,700.00 ZZ 360 151,700.00 1 6.500 958.85 75 6.250 958.85 BEDFORD VA 24523 2 01/21/04 00 0437387889 05 03/01/04 0 630036191 O 02/01/34 0 9082648 X82/G02 F 149,500.00 ZZ 360 149,351.17 1 6.000 896.33 77 5.750 896.33 ST. INIGOES MD 20684 2 12/09/03 00 0437385446 05 02/01/04 0 854841 O 01/01/34 0 9082696 N74/G02 F 157,700.00 ZZ 360 157,700.00 1 6.500 996.77 95 6.250 996.77 SANDY UT 84094 2 01/26/04 10 0437388267 05 03/01/04 30 0034052010 O 02/01/34 0 9082926 A46/G02 F 55,100.00 ZZ 360 55,059.11 1 7.500 385.27 95 7.250 385.27 HOUSTON TX 77029 1 12/19/03 04 0437375793 05 02/01/04 30 0108151 O 01/01/34 0 9082956 N47/G02 F 205,000.00 T 360 205,000.00 1 6.000 1,229.08 61 5.750 1,229.08 TRUCKEE CA 96161 5 01/23/04 00 0437398498 03 03/01/04 0 60501704 O 02/01/34 0 9082966 477/G02 F 292,500.00 ZZ 360 292,500.00 1 1 6.375 1,824.82 90 6.125 1,824.82 EUREKA CA 95503 1 01/23/04 10 0437388556 05 03/01/04 25 206525 O 02/01/34 0 9083010 562/G02 F 159,200.00 ZZ 360 159,200.00 1 6.125 967.32 80 5.875 967.32 GREENWOOD LAKE NY 10925 5 01/27/04 00 0437383037 05 03/01/04 0 297117039 O 02/01/34 0 9083794 E22/G02 F 83,900.00 ZZ 360 83,900.00 1 6.875 551.16 82 6.625 551.16 EL PASO TX 79912 2 01/29/04 01 0419537857 05 03/01/04 20 0419537857 N 02/01/34 0 9083798 E22/G02 F 45,000.00 ZZ 360 45,000.00 1 6.250 277.07 75 6.000 277.07 PUEBLO CO 81006 2 01/30/04 00 0419538186 05 03/01/04 0 0419538186 N 02/01/34 0 9083886 E22/G02 F 61,200.00 ZZ 360 61,200.00 1 6.375 381.81 80 6.125 381.81 MEDFORD OR 97504 1 01/26/04 00 0419479787 01 03/01/04 0 0419479787 N 02/01/34 0 9083888 E22/G02 F 118,400.00 TX 240 118,400.00 1 6.000 848.25 80 5.750 848.25 GODLEY TX 76044 5 01/26/04 00 0419480355 05 03/01/04 0 1 0419480355 O 02/01/24 0 9083890 E22/G02 F 82,000.00 ZZ 360 82,000.00 1 6.125 498.24 80 5.875 498.24 PRINEVILLE OR 97754 1 01/26/04 00 0419482120 05 03/01/04 0 0419482120 O 02/01/34 0 9083898 E22/G02 F 123,000.00 ZZ 360 123,000.00 1 6.125 747.36 86 5.875 747.36 CLINTON LA 70722 5 01/26/04 01 0419485347 05 03/01/04 25 0419485347 O 02/01/34 0 9083902 E22/G02 F 185,000.00 ZZ 360 185,000.00 4 6.750 1,199.91 80 6.500 1,199.91 KENNER LA 70065 1 01/30/04 00 0419492376 05 03/01/04 0 0419492376 N 02/01/34 0 9083926 E22/G02 F 185,000.00 ZZ 360 185,000.00 4 6.750 1,199.91 80 6.500 1,199.91 KENNER LA 70065 1 01/30/04 00 0419599691 05 03/01/04 0 0419599691 N 02/01/34 0 9083932 E22/G02 F 136,800.00 ZZ 360 136,800.00 1 5.875 809.22 90 5.625 809.22 PALM BEACH GARD FL 33403 1 01/30/04 04 0419602115 09 03/01/04 25 0419602115 O 02/01/34 0 1 9083948 E22/G02 F 188,000.00 ZZ 360 188,000.00 1 6.000 1,127.15 80 5.750 1,127.15 PORTLAND OR 97220 1 01/26/04 00 0419608690 05 03/01/04 0 0419608690 O 02/01/34 0 9083958 E22/G02 F 186,400.00 ZZ 360 186,400.00 1 6.125 1,132.59 80 5.875 1,132.59 GEORGIA VT 05468 1 01/30/04 00 0419613401 05 03/01/04 0 0419613401 O 02/01/34 0 9083962 E22/G02 F 183,920.00 ZZ 360 183,920.00 1 6.125 1,117.52 80 5.875 1,117.52 ROCKWALL TX 75032 1 01/30/04 00 0419615182 05 03/01/04 0 0419615182 O 02/01/34 0 9083972 E22/G02 F 129,600.00 T 360 129,600.00 1 6.250 797.97 80 6.000 797.97 ORANGE BEACH AL 36561 1 01/30/04 00 0419523600 01 03/01/04 0 0419523600 O 02/01/34 0 9083984 E22/G02 F 132,000.00 ZZ 360 132,000.00 1 6.375 823.51 80 6.125 823.51 CTR BARNSTEAD NH 03225 5 01/26/04 00 0419528310 05 03/01/04 0 0419528310 O 02/01/34 0 9084010 E22/G02 F 104,000.00 TX 360 104,000.00 1 6.250 640.35 73 6.000 640.35 1 EULESS TX 76039 5 01/26/04 00 0419647235 05 03/01/04 0 0419647235 O 02/01/34 0 9084016 E22/G02 F 108,000.00 ZZ 360 108,000.00 1 6.125 656.22 80 5.875 656.22 AZTEC NM 87410 1 01/30/04 00 0419649553 05 03/01/04 0 0419649553 N 02/01/34 0 9084018 E22/G02 F 233,750.00 ZZ 360 233,750.00 1 6.625 1,496.73 85 6.375 1,496.73 CONIFER CO 80433 5 01/26/04 01 0419651286 05 03/01/04 20 0419651286 O 02/01/34 0 9084100 E22/G02 F 136,000.00 ZZ 360 136,000.00 1 6.375 848.46 80 6.125 848.46 GRABILL IN 46741 5 01/26/04 00 0419619051 05 03/01/04 0 0419619051 O 02/01/34 0 9084112 E22/G02 F 82,650.00 ZZ 360 82,650.00 1 6.875 542.95 95 6.625 542.95 HUEYTOWN AL 35023 2 01/26/04 11 0419620620 05 03/01/04 30 0419620620 O 02/01/34 0 9084114 E22/G02 F 159,900.00 ZZ 360 159,900.00 1 6.625 1,023.86 80 6.375 1,023.86 ASHEVILLE NC 28806 1 01/30/04 00 0419621784 05 03/01/04 0 0419621784 O 02/01/34 0 1 9084136 E22/G02 F 137,200.00 ZZ 360 137,200.00 1 6.250 844.76 80 6.000 844.76 COLLEGE PLACE WA 99324 1 01/23/04 00 0419628896 03 03/01/04 0 0419628896 O 02/01/34 0 9084156 E22/G02 F 84,600.00 ZZ 360 84,532.34 1 7.125 569.97 90 6.875 569.97 PULASKI TN 38478 2 12/17/03 01 0419036116 05 02/01/04 30 0419036116 O 01/01/34 0 9084180 E22/G02 F 92,000.00 ZZ 360 92,000.00 1 6.375 573.96 80 6.125 573.96 BREMERTON WA 98312 1 01/27/04 00 0419189030 05 03/01/04 0 0419189030 N 02/01/34 0 9084184 E22/G02 F 54,403.00 ZZ 360 54,403.00 1 6.375 339.40 72 6.125 339.40 TULSA OK 74112 5 01/26/04 00 0419425863 05 03/01/04 0 0419425863 O 02/01/34 0 9084224 E22/G02 F 243,000.00 ZZ 360 243,000.00 3 7.125 1,637.14 90 6.875 1,637.14 MONTCLAIR NJ 07042 1 01/30/04 04 0419444096 05 03/01/04 25 0419444096 N 02/01/34 0 9084242 U05/G02 F 180,000.00 ZZ 360 180,000.00 1 1 6.375 1,122.97 80 6.125 1,122.97 COTTONWOOD CA 96022 1 01/23/04 00 0437385065 05 03/01/04 0 3000548983 O 02/01/34 0 9084280 E22/G02 F 200,000.00 TX 360 200,000.00 1 6.625 1,280.62 80 6.375 1,280.62 DALLAS TX 75214 5 01/26/04 00 0419510094 05 03/01/04 0 0419510094 O 02/01/34 0 9084286 K15/G02 F 328,000.00 ZZ 360 328,000.00 1 6.500 2,073.18 85 6.250 2,073.18 WOODBRIDGE VA 22193 5 01/24/04 41 0437383649 03 03/01/04 12 034405526987 O 02/01/34 0 9084290 E22/G02 F 61,000.00 ZZ 240 61,000.00 1 5.875 432.64 68 5.625 432.64 ATHENS AL 35613 2 01/26/04 00 0419512793 05 03/01/04 0 0419512793 O 02/01/24 0 9084340 E22/G02 F 185,000.00 ZZ 360 185,000.00 4 6.750 1,199.91 80 6.500 1,199.91 KENNER LA 70065 1 01/30/04 00 0419521737 05 03/01/04 0 0419521737 N 02/01/34 0 9084346 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 6.125 607.61 80 5.875 607.61 HIGH HILL MO 63350 1 01/30/04 00 0419546353 05 03/01/04 0 1 0419546353 O 02/01/34 0 9084356 E22/G02 F 61,800.00 ZZ 360 61,800.00 1 6.500 390.62 80 6.250 390.62 SWANNANOA NC 28778 1 01/30/04 00 0419548482 05 03/01/04 0 0419548482 N 02/01/34 0 9084366 E22/G02 F 113,000.00 ZZ 360 113,000.00 2 6.500 714.24 67 6.250 714.24 ASBURY PARK NJ 07712 2 01/30/04 00 0419552997 05 03/01/04 0 0419552997 N 02/01/34 0 9084372 U05/G02 F 130,000.00 TX 360 130,000.00 1 6.625 832.40 76 6.375 832.40 KATY TX 77493 5 01/16/04 00 0437386170 05 03/01/04 0 3000453789 O 02/01/34 0 9084388 E22/G02 F 185,000.00 ZZ 360 185,000.00 4 6.750 1,199.91 80 6.500 1,199.91 KENNER LA 70065 1 01/30/04 00 0419560503 05 03/01/04 0 0419560503 N 02/01/34 0 9084442 E22/G02 F 73,500.00 ZZ 360 73,500.00 1 6.375 458.54 84 6.125 458.54 WICHITA KS 67217 2 01/26/04 04 0419574017 05 03/01/04 12 0419574017 O 02/01/34 0 1 9084460 E22/G02 F 63,805.00 ZZ 360 63,805.00 3 6.375 398.06 90 6.125 398.06 COLUMBUS OH 43219 1 01/30/04 01 0419580113 05 03/01/04 25 0419580113 N 02/01/34 0 9084468 E22/G02 F 90,000.00 ZZ 360 90,000.00 1 7.000 598.77 75 6.750 598.77 MIAMI FL 33127 5 01/30/04 00 0419580519 05 03/01/04 0 0419580519 N 02/01/34 0 9084530 E22/G02 F 115,500.00 ZZ 360 115,500.00 1 6.125 701.79 69 5.875 701.79 COLORADO SPRING CO 80917 1 01/30/04 00 0419590864 05 03/01/04 0 0419590864 O 02/01/34 0 9084554 E22/G02 F 50,000.00 ZZ 360 50,000.00 1 6.125 303.81 75 5.875 303.81 SAINT LOUIS MO 63137 5 01/26/04 00 0419629134 05 03/01/04 0 0419629134 O 02/01/34 0 9084576 E22/G02 F 247,900.00 ZZ 360 247,900.00 2 6.125 1,506.27 74 5.875 1,506.27 LOWELL MA 01850 2 01/26/04 00 0419636063 05 03/01/04 0 0419636063 O 02/01/34 0 9084596 E22/G02 F 56,000.00 ZZ 360 56,000.00 1 6.750 363.21 80 6.500 363.21 1 OCEAN SHORES WA 98569 1 01/27/04 00 0419645221 03 03/01/04 0 0419645221 N 02/01/34 0 9084614 E22/G02 F 128,000.00 ZZ 360 128,000.00 1 6.500 809.05 80 6.250 809.05 PORT HURON MI 48060 1 01/30/04 00 0419675400 05 03/01/04 0 0419675400 N 02/01/34 0 9084730 E22/G02 F 201,800.00 ZZ 360 201,800.00 1 6.000 1,209.89 56 5.750 1,209.89 BEND OR 97701 2 01/26/04 00 0419704762 05 03/01/04 0 0419704762 O 02/01/34 0 9084816 A35/G02 F 164,000.00 ZZ 360 164,000.00 1 6.250 1,009.78 80 6.000 1,009.78 LAS VEGAS NV 89144 1 01/06/04 00 0437378359 01 03/01/04 0 20365 O 02/01/34 0 9084834 E22/G02 F 103,860.00 ZZ 360 103,860.00 4 7.500 726.20 90 7.250 726.20 GREENVILLE NC 27834 1 01/30/04 01 0419207097 05 03/01/04 25 0419207097 N 02/01/34 0 9084858 E22/G02 F 193,000.00 ZZ 360 193,000.00 1 6.125 1,172.69 44 5.875 1,172.69 YORBA LINDA CA 92886 1 01/09/04 00 0419291950 05 03/01/04 0 0419291950 N 02/01/34 0 1 9084876 E22/G02 F 316,000.00 ZZ 360 316,000.00 1 6.125 1,920.05 80 5.875 1,920.05 ORANGEVALE CA 95662 5 01/26/04 00 0419309208 05 03/01/04 0 0419309208 O 02/01/34 0 9084882 144/144 F 92,500.00 ZZ 360 92,271.96 1 6.250 569.54 76 6.000 569.54 KINGSTON NY 12401 5 11/28/03 00 160745687 05 01/01/04 0 160745687 O 12/01/33 0 9084936 E22/G02 F 207,200.00 ZZ 360 207,200.00 1 5.875 1,225.67 80 5.625 1,225.67 COVINA CA 91724 1 01/26/04 00 0419325683 01 03/01/04 0 0419325683 O 02/01/34 0 9085498 883/G02 F 161,500.00 ZZ 360 161,500.00 1 6.625 1,034.10 95 6.375 1,034.10 COLLEGE PK MD 20740 1 01/26/04 04 0437383672 05 03/01/04 30 12002391 O 02/01/34 0 9085500 P59/G02 F 66,400.00 ZZ 360 66,400.00 1 6.750 430.67 80 6.500 430.67 BAKERSFIELD CA 93306 5 01/26/04 00 0437398324 05 03/01/04 0 AT008367 O 02/01/34 0 9085528 W08/G02 F 133,000.00 ZZ 360 133,000.00 1 1 6.750 862.64 95 6.500 862.64 HIALEAH FL 33012 1 01/29/04 11 0437390628 05 03/01/04 35 034407MG O 02/01/34 0 9085538 T53/G02 F 255,000.00 ZZ 360 255,000.00 1 6.500 1,611.78 75 6.250 1,611.78 ANAHEIM CA 92805 5 01/22/04 00 0437385321 05 03/01/04 0 32000064 O 02/01/34 0 9085570 U19/G02 F 191,025.00 ZZ 360 191,025.00 4 7.375 1,319.36 90 7.125 1,319.36 PHOENIX AZ 85029 1 01/27/04 10 0437388085 05 03/01/04 25 11002975 N 02/01/34 0 9085662 758/G02 F 93,550.00 TX 360 93,550.00 1 6.750 606.76 63 6.500 606.76 DALLAS TX 75205 5 01/21/04 00 0437385230 01 03/01/04 0 7060000000 O 02/01/34 0 9085688 Y36/G02 F 40,000.00 ZZ 360 40,000.00 1 6.500 252.83 48 6.250 252.83 INDEPENDENCE MO 64052 5 01/24/04 00 0437404791 05 03/01/04 0 5901090 O 02/01/34 0 9086154 E22/G02 F 157,500.00 ZZ 360 157,500.00 3 7.125 1,061.11 75 6.875 1,061.11 N LAUDERDALE FL 33068 1 02/02/04 00 0419619754 05 03/01/04 0 1 0419619754 N 02/01/34 0 9086248 E22/G02 F 50,000.00 ZZ 360 50,000.00 1 6.250 307.86 20 6.000 307.86 SACRAMENTO CA 95864 5 01/22/04 00 0419496609 05 03/01/04 0 0419496609 O 02/01/34 0 9086276 E22/G02 F 155,000.00 ZZ 360 155,000.00 2 6.500 979.71 76 6.250 979.71 WINOOSKI VT 05404 5 01/27/04 00 0419530159 05 03/01/04 0 0419530159 O 02/01/34 0 9086326 E22/G02 F 144,000.00 ZZ 360 144,000.00 1 6.500 910.18 80 6.250 910.18 THE WOODLANDS TX 77382 5 01/27/04 00 0419262845 03 03/01/04 0 0419262845 O 02/01/34 0 9086460 E22/G02 F 50,000.00 ZZ 360 50,000.00 1 6.125 303.81 39 5.875 303.81 SOUTH BEND IN 46614 5 01/28/04 00 0419584446 05 03/01/04 0 0419584446 O 02/01/34 0 9086468 E22/G02 F 45,600.00 ZZ 360 45,600.00 1 7.250 311.07 95 7.000 311.07 DES MOINES IA 50317 5 01/28/04 10 0419586573 05 03/01/04 30 0419586573 O 02/01/34 0 1 9086554 E22/G02 F 108,000.00 ZZ 360 108,000.00 1 6.625 691.54 88 6.375 691.54 PORT SAINT LUCI FL 34984 5 01/27/04 04 0419441506 05 03/01/04 25 0419441506 O 02/01/34 0 9086656 E22/G02 F 73,800.00 ZZ 360 73,800.00 1 6.875 484.81 90 6.625 484.81 COLUMBUS OH 43211 5 01/27/04 01 0419728639 05 03/01/04 25 0419728639 O 02/01/34 0 9086720 E22/G02 F 66,750.00 ZZ 360 66,750.00 1 6.500 421.91 75 6.250 421.91 SUMMERVILLE SC 29483 2 02/02/04 00 0419684659 05 03/01/04 0 0419684659 N 02/01/34 0 9086732 E22/G02 F 75,000.00 TX 360 75,000.00 1 6.375 467.90 45 6.125 467.90 AUSTIN TX 78723 5 01/27/04 00 0419698857 05 03/01/04 0 0419698857 O 02/01/34 0 9086886 G27/G02 F 120,000.00 ZZ 360 120,000.00 1 6.625 768.37 80 6.375 768.37 VISALIA CA 93292 1 01/08/04 00 0437390339 05 03/01/04 0 20503330 N 02/01/34 0 9086926 G27/G02 F 247,500.00 ZZ 360 247,500.00 4 7.000 1,646.62 90 6.750 1,646.62 1 FRESNO CA 93703 1 01/15/04 11 0437392012 05 03/01/04 25 27203177 N 02/01/34 0 9086992 U05/G02 F 143,500.00 ZZ 360 143,500.00 1 6.250 883.55 80 6.000 883.55 HOUSTON TX 77082 2 01/20/04 00 0437393614 03 03/01/04 0 3000525722 O 02/01/34 0 9090268 742/G02 F 112,000.00 ZZ 360 112,000.00 4 6.500 707.92 80 6.250 707.92 ALBANY NY 12206 1 01/28/04 00 0437390560 05 03/01/04 0 10176766 N 02/01/34 0 9090284 W39/G02 F 47,500.00 ZZ 360 47,500.00 1 7.500 332.13 86 7.250 332.13 MOBILE AL 36611 5 01/26/04 01 0437410509 05 03/01/04 25 LA040103 O 02/01/34 0 9090478 E22/G02 F 77,400.00 ZZ 360 77,400.00 1 6.125 470.29 90 5.875 470.29 HARTSELLE AL 35640 5 01/29/04 04 0419561816 05 03/01/04 25 0419561816 O 02/01/34 0 9090490 E22/G02 F 64,400.00 ZZ 360 64,400.00 1 6.000 386.11 86 5.750 386.11 OKLAHOMA CITY OK 73120 5 01/29/04 01 0419568571 05 03/01/04 25 0419568571 O 02/01/34 0 1 9090496 E22/G02 F 66,000.00 ZZ 360 66,000.00 1 7.250 450.24 86 7.000 450.24 MAYSVILLE AR 72747 5 01/29/04 01 0419574520 05 03/01/04 25 0419574520 O 02/01/34 0 9090500 E22/G02 F 162,000.00 ZZ 360 162,000.00 1 6.375 1,010.67 90 6.125 1,010.67 REDINGTON BEACH FL 33708 1 02/03/04 04 0419579750 05 03/01/04 25 0419579750 N 02/01/34 0 9090508 E22/G02 F 157,500.00 ZZ 360 157,500.00 3 7.125 1,061.11 75 6.875 1,061.11 N LAUDERDALE FL 33068 1 02/03/04 00 0419581673 05 03/01/04 0 0419581673 N 02/01/34 0 9090548 E22/G02 F 146,000.00 ZZ 360 146,000.00 4 6.125 887.11 77 5.875 887.11 WOODLAND WA 98674 1 01/26/04 00 0419397104 05 03/01/04 0 0419397104 N 02/01/34 0 9090562 E22/G02 F 93,200.00 ZZ 360 93,200.00 1 6.500 589.09 80 6.250 589.09 BASTROP TX 78602 1 01/28/04 00 0419422944 03 03/01/04 0 0419422944 N 02/01/34 0 9090688 E22/G02 F 153,000.00 ZZ 360 153,000.00 1 1 6.250 942.05 72 6.000 942.05 OLIVE BRANCH MS 38654 2 01/29/04 00 0419640719 05 03/01/04 0 0419640719 O 02/01/34 0 9090704 E22/G02 F 333,700.00 ZZ 360 333,700.00 1 6.375 2,081.85 65 6.125 2,081.85 CAVE CREEK AZ 85331 5 01/26/04 00 0419650759 05 03/01/04 0 0419650759 O 02/01/34 0 9090746 E22/G02 F 225,223.00 ZZ 360 225,223.00 1 6.375 1,405.10 85 6.125 1,405.10 ORLANDO FL 32837 5 01/29/04 04 0419698493 03 03/01/04 12 0419698493 O 02/01/34 0 9090772 E22/G02 F 142,160.00 ZZ 360 142,160.00 1 6.250 875.30 75 6.000 875.30 SUMNER WA 98390 1 01/27/04 00 0419742697 05 03/01/04 0 0419742697 N 02/01/34 0 9091046 P34/G02 F 242,250.00 ZZ 360 242,250.00 3 6.500 1,531.19 95 6.250 1,531.19 PROVIDENCE RI 02909 1 01/30/04 10 0437402662 05 03/01/04 30 62698 O 02/01/34 0 9091096 P34/G02 F 228,000.00 ZZ 360 228,000.00 1 5.875 1,348.71 50 5.625 1,348.71 WARWICK RI 02886 2 01/27/04 00 0437387491 05 03/01/04 0 1 62692 O 02/01/34 0 9091102 950/G02 F 52,000.00 ZZ 360 52,000.00 3 6.500 328.68 80 6.250 328.68 HOQIUAM WA 98550 1 01/13/04 00 0437404445 05 03/01/04 0 E33A684 N 02/01/34 0 9091652 M96/G02 F 88,000.00 ZZ 360 88,000.00 4 7.250 600.32 80 7.000 600.32 GRAND RAPIDS MI 49506 1 01/30/04 00 0437410236 05 03/01/04 0 200400025 N 02/01/34 0 9093184 Q14/G02 F 60,000.00 ZZ 360 60,000.00 1 6.250 369.43 87 6.000 369.43 MULVANE KS 67110 5 01/29/04 01 0437389257 05 03/01/04 25 0000418076 O 02/01/34 0 9096010 738/G02 F 91,200.00 ZZ 360 91,200.00 1 6.250 561.53 80 6.000 561.53 ORLANDO FL 32824 1 01/16/04 00 0437387913 03 03/01/04 0 41642421 O 02/01/34 0 9096048 N74/G02 F 60,000.00 ZZ 360 60,000.00 1 6.500 379.24 74 6.250 379.24 REIDSVILLE NC 27320 5 01/30/04 00 0437397730 05 03/01/04 0 0034088010 N 02/01/34 0 1 9096294 E22/G02 F 90,900.00 ZZ 360 90,900.00 1 7.000 604.76 90 6.750 604.76 LA PLACE LA 70068 1 02/04/04 01 0419699061 05 03/01/04 25 0419699061 N 02/01/34 0 9096312 K15/G02 F 70,700.00 ZZ 360 70,700.00 1 5.750 412.59 71 5.500 412.59 FORT OGLETHORPE GA 30742 2 01/23/04 00 0437395940 05 03/01/04 0 008605526840 O 02/01/34 0 9096320 E22/G02 F 130,500.00 ZZ 360 130,500.00 2 6.875 857.29 90 6.625 857.29 ROY UT 84067 1 01/30/04 04 0419708649 05 03/01/04 25 0419708649 N 02/01/34 0 9096340 E22/G02 F 62,900.00 ZZ 360 62,900.00 1 6.875 413.21 85 6.625 413.21 MEMPHIS TN 38122 2 02/04/04 01 0419723895 05 03/01/04 12 0419723895 N 02/01/34 0 9096374 E22/G02 F 77,640.00 ZZ 240 77,640.00 1 6.750 590.35 80 6.500 590.35 SUGARLAND TX 77478 2 01/30/04 00 0419680632 03 03/01/04 0 0419680632 O 02/01/24 0 9096378 E22/G02 F 161,025.00 ZZ 240 161,025.00 1 6.625 1,212.44 95 6.375 1,212.44 1 BIRMINGHAM AL 35223 5 01/30/04 01 0419683701 05 03/01/04 30 0419683701 O 02/01/24 0 9096408 G34/G02 F 136,750.00 ZZ 360 136,750.00 1 6.375 853.14 90 6.125 853.14 LAS VEGAS NV 89134 1 01/26/04 10 0437409774 01 03/01/04 25 77309262 N 02/01/34 0 9096488 E22/G02 F 127,000.00 ZZ 360 127,000.00 1 6.250 781.96 61 6.000 781.96 TACOMA WA 98418 2 01/21/04 00 0419606892 05 03/01/04 0 0419606892 O 02/01/34 0 9096524 E22/G02 F 199,450.00 ZZ 360 199,450.00 1 7.000 1,326.95 90 6.750 1,326.95 LAS VEGAS NV 89135 1 01/27/04 01 0419571476 01 03/01/04 25 0419571476 N 02/01/34 0 9096604 E22/G02 F 102,000.00 ZZ 360 102,000.00 1 5.750 595.24 80 5.500 595.24 FREEDOM WY 83120 5 01/30/04 00 0419450622 05 03/01/04 0 0419450622 O 02/01/34 0 9096624 E22/G02 F 116,178.00 ZZ 360 116,178.00 1 6.375 724.80 67 6.125 724.80 TOMBALL TX 77375 5 01/30/04 00 0419476544 05 03/01/04 0 0419476544 O 02/01/34 0 1 9096632 E22/G02 F 189,000.00 ZZ 360 189,000.00 4 7.500 1,321.52 90 7.250 1,321.52 EAST ORAGNE NJ 07017 1 02/04/04 04 0419491436 05 03/01/04 25 0419491436 N 02/01/34 0 9096634 E22/G02 F 50,400.00 ZZ 360 50,400.00 1 7.500 352.40 90 7.250 352.40 RENTON WA 98058 1 01/22/04 04 0419503008 01 03/01/04 25 0419503008 N 02/01/34 0 9096636 E22/G02 F 50,400.00 ZZ 360 50,400.00 1 7.500 352.40 90 7.250 352.40 RENTON WA 98058 1 01/22/04 04 0419503057 01 03/01/04 25 0419503057 N 02/01/34 0 9096690 E22/G02 F 187,000.00 ZZ 360 187,000.00 1 6.500 1,181.97 67 6.250 1,181.97 WINTER SPRINGS FL 32708 2 01/30/04 00 0419417027 03 03/01/04 0 0419417027 O 02/01/34 0 9097726 U42/G02 F 260,000.00 ZZ 360 260,000.00 1 6.750 1,686.36 80 6.500 1,686.36 LITTLETON CO 80128 1 01/29/04 00 0437397417 05 03/01/04 0 28301360 N 02/01/34 0 9097734 952/G02 F 288,750.00 ZZ 360 288,750.00 2 1 6.750 1,872.83 75 6.500 1,872.83 BRONX NY 10461 5 01/29/04 00 0437400682 05 03/01/04 0 03538988 O 02/01/34 0 9098896 L20/G02 F 50,000.00 ZZ 360 50,000.00 1 6.875 328.46 26 6.625 328.46 RENO NV 89511 5 01/28/04 00 0437397458 05 03/01/04 0 1141080155 O 02/01/34 0 9099030 T44/G02 F 105,000.00 ZZ 360 105,000.00 1 6.500 663.67 48 6.250 663.67 FRESNO CA 93704 5 01/21/04 00 0437398399 05 03/01/04 0 1100505 O 02/01/34 0 9100052 T44/G02 F 284,000.00 ZZ 360 284,000.00 3 6.875 1,865.68 80 6.625 1,865.68 STOCKTON CA 95210 1 01/08/04 00 0437399199 05 03/01/04 0 1100452 N 02/01/34 0 9100066 E22/G02 F 318,500.00 ZZ 360 318,500.00 1 6.500 2,013.14 80 6.250 2,013.14 OSCEOLA IN 46561 5 01/30/04 00 0419460845 05 03/01/04 0 0419460845 O 02/01/34 0 9100314 X82/G02 F 163,800.00 ZZ 360 163,800.00 1 6.625 1,048.83 85 6.375 1,048.83 WOODBRIDGE VA 22193 5 12/30/03 12 0437409972 09 03/01/04 12 1 870848 O 02/01/34 0 9100808 U05/G02 F 120,000.00 ZZ 360 120,000.00 1 6.500 758.48 80 6.250 758.48 MIAMI FL 33179 5 01/28/04 00 0437426828 05 03/01/04 0 3000541777 O 02/01/34 0 9100814 U05/G02 F 137,300.00 ZZ 360 137,300.00 1 6.125 834.25 80 5.875 834.25 MEDFORD OR 97504 5 01/22/04 00 0437412554 05 03/01/04 0 3453294 O 02/01/34 0 9100820 U05/G02 F 238,800.00 TX 360 238,800.00 1 6.250 1,470.33 20 6.000 1,470.33 DALLAS TX 75205 5 01/26/04 00 0437412976 05 03/01/04 0 3000548520 O 02/01/34 0 9102176 E82/G02 F 207,800.00 ZZ 360 207,800.00 1 6.875 1,365.10 76 6.625 1,365.10 OAKLAND CA 94603 2 01/30/04 00 0400939369 05 03/01/04 0 0400939369 N 02/01/34 0 9103266 E22/G02 F 113,600.00 TX 360 113,600.00 1 6.750 736.81 80 6.500 736.81 LEWISVILLE TX 75067 5 02/02/04 00 0419669148 05 03/01/04 0 0419669148 O 02/01/34 0 1 9103456 E22/G02 F 89,000.00 ZZ 360 89,000.00 1 6.375 555.24 78 6.125 555.24 MOBILE AL 36618 5 02/02/04 00 0419681432 05 03/01/04 0 0419681432 O 02/01/34 0 9103714 E22/G02 F 96,000.00 ZZ 360 96,000.00 1 7.375 663.05 80 7.125 663.05 ARLINGTON TX 76010 5 02/04/04 00 0419651146 05 03/01/04 0 0419651146 N 02/01/34 0 9104082 E22/G02 F 113,600.00 ZZ 360 113,600.00 1 6.125 690.25 80 5.875 690.25 ROCKLAND MA 02370 2 02/02/04 00 0419625868 01 03/01/04 0 0419625868 O 02/01/34 0 9104846 S27/G02 F 108,900.00 ZZ 360 108,900.00 3 6.875 715.40 90 6.625 715.40 PHILADELPHIA PA 19124 1 02/04/04 10 0437402332 05 03/01/04 25 1130017618 N 02/01/34 0 9105160 U05/G02 F 60,000.00 ZZ 360 60,000.00 1 6.500 379.24 100 6.250 379.24 COLORADO SPRING CO 80917 1 01/30/04 04 0437430424 01 03/01/04 35 3000508673 O 02/01/34 0 1 TOTAL NUMBER OF LOANS : 1,688 TOTAL ORIGINAL BALANCE : 229,751,016.61 TOTAL PRINCIPAL BALANCE : 229,400,694.07 TOTAL ORIGINAL P+I : 1,455,877.95 TOTAL CURRENT P+I : 1,455,877.95 *************************** * END OF REPORT * *************************** 61 RUN ON : 02/24/04 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 09.38.45 FIXED PASSTHRU REPORT AMORTIZED BALANCE SERIES : RALI 2004-QS2 A-I FIXED CUTOFF : 02/01/04 POOL : 0004805 : : 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 ------------------------------------------------------------------------ 8706641 .2500 578,543.51 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8819696 .2500 480,050.56 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8851418 .2500 398,085.22 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8852530 .2500 393,689.61 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 5.7500 1.1700 8879892 .2500 375,711.13 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 5.7500 1.1700 8903669 .2500 379,639.44 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 1 8907534 .2500 384,231.54 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8908708 .2500 355,322.68 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8924486 .2500 535,466.41 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 8947460 .2500 392,599.32 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8973652 .2500 399,638.40 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 8977676 .2500 385,667.66 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 8982026 .2500 478,406.49 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8985818 .2500 421,508.28 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 1 8985838 .2500 479,018.84 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8989136 .2500 494,495.33 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8993264 .2500 561,979.01 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 8999198 .2500 391,600.34 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 8999706 .2500 383,635.65 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 8999726 .2500 335,703.56 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 8999764 .2500 499,536.90 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9001378 .2500 558,694.47 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 1 9001422 .2500 359,666.56 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9001430 .2500 483,622.43 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 5.7500 1.1700 9001444 .2500 399,663.95 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 9001554 .2500 443,557.99 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9001578 .2500 400,600.80 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9001664 .2500 374,902.44 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9001694 .2500 579,422.60 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9002636 .2500 391,228.43 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 1 9002854 .2500 423,625.91 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 9003534 .2500 408,240.35 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9003536 .2500 459,065.79 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9003540 .2500 440,859.20 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9003568 .2500 500,155.77 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 9003600 .2500 401,887.52 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 9003602 .2500 443,394.69 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9003614 .2500 515,702.66 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 1 9003630 .2500 434,522.19 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 9004582 .2500 491,086.74 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 9004996 .2500 348,644.18 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 9007102 .2500 378,631.64 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9011380 .2500 439,582.51 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9013458 .2500 391,179.09 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 5.7500 .9200 9015614 .2500 342,000.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 5.7500 1.0450 9015660 .2500 750,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 1 9016048 .2500 394,625.21 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9021908 .2500 379,630.66 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9025368 .2500 527,474.37 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9025370 .2500 399,611.23 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9025372 .2500 579,394.45 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 9025374 .2500 399,592.18 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 9025376 .2500 649,352.92 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9025378 .2500 431,569.94 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 1 9025380 .2500 526,921.00 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 9025382 .2500 471,019.29 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 9025384 .2500 571,897.31 .0300 5.6250 .0000 5.3750 .0000 5.3450 .0000 5.3450 .0000 9025386 .2500 529,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 9025388 .2500 519,469.83 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 9025564 .2500 390,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9025776 .2500 400,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9029604 .2500 497,600.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 1 9029716 .2500 449,152.42 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9029732 .2500 372,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9030568 .2500 420,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9030624 .2500 371,424.15 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 5.7500 1.4200 9031968 .2500 550,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9032192 .2500 396,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9032358 .2500 372,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9033612 .2500 352,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 1 9035586 .2500 412,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9036530 .2500 500,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 9038930 .2500 407,593.83 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9039086 .2500 474,549.30 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9039206 .2500 388,603.40 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 9040972 .2500 480,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9041294 .2500 459,205.65 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 9041548 .2500 435,500.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 1 9044506 .2500 366,782.45 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9044968 .2500 345,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9045008 .2500 592,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9047288 .2500 352,200.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 9052490 .2500 460,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9053514 .2500 474,504.07 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 9053526 .2500 447,105.79 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9053530 .2500 384,213.03 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 1 9053532 .2500 448,039.38 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 9053540 .2500 473,271.25 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 9053542 .2500 361,853.49 .0300 5.5000 .0000 5.2500 .0000 5.2200 .0000 5.2200 .0000 9053548 .2500 552,436.20 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 9053552 .2500 443,536.44 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 9053554 .2500 414,576.89 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 9053558 .2500 599,402.70 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9053560 .2500 379,603.25 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 1 9053566 .2500 443,547.32 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 9053570 .2500 366,616.83 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 9053588 .2500 499,514.03 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9053590 .2500 431,548.97 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 9053598 .2500 524,298.33 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9053600 .2500 414,586.87 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9053656 .2500 359,632.96 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 9053660 .2500 454,536.10 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 1 9053674 .2500 548,848.79 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 9054642 .2500 420,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9054730 .2500 649,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9056184 .2500 543,458.45 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9060474 .2500 570,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9061078 .2500 597,390.31 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 9061192 .2500 390,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9061254 .2500 480,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 1 9062298 .2500 405,614.77 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9063618 .2500 379,621.70 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9066326 .2500 388,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9068182 .2500 460,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9068222 .2500 356,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9068410 .2500 644,800.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 9068526 .2500 385,000.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 9068544 .2500 445,000.00 .0300 5.7500 .0000 5.5000 .0000 5.4700 .0000 5.4700 .0000 1 9068568 .2500 365,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9070006 .2500 390,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 5.7500 .6700 9072006 .2500 505,000.00 .0300 5.8750 .0000 5.6250 .0000 5.5950 .0000 5.5950 .0000 9074404 .2500 452,000.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9074738 .2500 480,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9076936 .2500 426,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9077500 .2500 490,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9077816 .2500 420,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 1 9078584 .2500 396,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9079448 .2500 440,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 5.7500 .2950 9081286 .2500 550,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9081506 .2500 392,000.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 5.7500 1.1700 9081614 .2500 362,400.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9083904 .2500 632,000.00 .0800 6.1250 .0000 5.8750 .0000 5.7950 .0000 5.7500 .0450 9084604 .2500 358,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9084814 .2500 456,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 5.7500 .7950 1 9084870 .2500 376,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9086668 .2500 385,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9087386 .2500 398,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 5.7500 .4200 9090576 .2500 380,000.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 9096066 .2500 382,700.00 .0800 6.2500 .0000 6.0000 .0000 5.9200 .0000 5.7500 .1700 9096530 .2500 400,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 9096714 .2500 479,200.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 5.7500 .5450 TOTAL NUMBER OF LOANS: 141 TOTAL BALANCE........: 62,938,495.30 RUN ON : 02/24/04 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 09.38.45 INITIAL SECURITY FEES AMORTIZED BALANCE SERIES : RALI 2004-QS2 A-I FIXED SUMMARY REPORT CUTOFF : 02/01/04 POOL : 0004805 : : POOL STATUS: F WEIGHTED AVERAGES FROM TO -------------------------------------------------------------------------- CURR NOTE RATE 6.1969 5.5000 7.5000 RFC NET RATE 5.9469 5.2500 7.2500 NET MTG RATE(INVSTR RATE) 5.8898 5.2200 7.1700 POST STRIP RATE 5.6859 5.2200 5.7500 SUB SERV FEE .2500 .2500 .2500 MSTR SERV FEE .0571 .0300 .0800 ALL EXP .0000 .0000 .0000 MISC EXP .0000 .0000 .0000 SPREAD .0000 .0000 .0000 STRIP .2039 .0000 1.4200 TOTAL NUMBER OF LOANS: 141 TOTAL BALANCE........: 62,938,495.30 *************************** * END OF REPORT * *************************** RUN ON : 02/24/04 RFC DISCLOSURE SYSTEM RFFSD177-01 AT : 09.38.45 FIXED RATE LOAN LISTING AMORTIZED BALANCE SERIES : RALI 2004-QS2 A-I CUTOFF : 02/01/04 POOL : 0004805 : : 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 # ______________________________________________________________________________ 8706641 736/M32 F 585,000.00 ZZ 360 578,543.51 1 5.875 3,460.50 80 5.625 3,460.50 TEMPE AZ 85284 5 03/17/03 00 260001402 05 05/01/03 0 0700003601 O 04/01/33 0 8819696 956/956 F 481,850.00 ZZ 360 480,050.56 1 6.375 3,006.12 75 6.125 3,006.12 WEST BLOOMFIELD MI 48322 1 09/17/03 00 4313090060 05 11/01/03 0 4313090060 O 10/01/33 0 8851418 E22/G02 F 399,000.00 ZZ 360 398,085.22 1 6.250 2,456.71 80 6.000 2,456.71 BURKE VA 22015 1 11/05/03 00 0418985644 03 01/01/04 0 0418985644 O 12/01/33 0 8852530 286/286 F 395,250.00 ZZ 360 393,689.61 1 7.250 2,696.30 85 7.000 2,696.30 SKOKIE IL 60076 1 08/13/03 14 2737482 05 10/01/03 12 1 2737482 O 09/01/33 0 8879892 286/286 F 376,300.00 ZZ 360 375,711.13 1 7.250 2,567.03 80 7.000 2,567.03 SHELBY TWP MI 48315 1 11/03/03 00 2879303 05 01/01/04 0 2879303 O 12/01/33 0 8903669 W98/G02 F 380,000.00 ZZ 360 379,639.44 1 6.250 2,339.73 80 6.000 2,339.73 MANASSAS VA 20111 1 12/22/03 00 0437273899 05 02/01/04 0 F0300401 O 01/01/34 0 8907534 E22/G02 F 385,000.00 ZZ 360 384,231.54 1 6.000 2,308.27 58 5.750 2,308.27 MIAMI BEACH FL 33140 2 11/21/03 00 0418565529 05 01/01/04 0 0418565529 O 12/01/33 0 8908708 E22/G02 F 356,000.00 ZZ 360 355,322.68 1 6.250 2,191.95 80 6.000 2,191.95 HOUSTON TX 77057 1 11/26/03 00 0419048434 03 01/01/04 0 0419048434 O 12/01/33 0 8924486 E22/G02 F 536,000.00 ZZ 360 535,466.41 1 6.000 3,213.59 80 5.750 3,213.59 SCOTTSDALE AZ 85255 1 11/24/03 00 0419121058 03 02/01/04 0 0419121058 O 01/01/34 0 1 8947460 E22/G02 F 393,000.00 ZZ 360 392,599.32 1 5.875 2,324.74 80 5.625 2,324.74 DUNSTABLE MA 01827 5 12/04/03 00 0419256441 05 02/01/04 0 0419256441 O 01/01/34 0 8973652 W93/G02 F 400,000.00 ZZ 360 399,638.40 1 6.500 2,528.27 80 6.250 2,528.27 DEER PARK WA 99006 1 12/02/03 00 0437220577 05 02/01/04 0 63510472 O 01/01/34 0 8977676 E82/G02 F 386,000.00 ZZ 360 385,667.66 1 6.750 2,503.59 74 6.500 2,503.59 MIAMI BEACH FL 33140 5 12/16/03 00 0400930285 05 02/01/04 0 0400930285 O 01/01/34 0 8982026 E22/G02 F 478,850.00 ZZ 360 478,406.49 1 6.375 2,987.40 77 6.125 2,987.40 SOUTH AMBOY NJ 08879 1 12/19/03 00 0419232418 03 02/01/04 0 0419232418 O 01/01/34 0 8985818 Y65/G02 F 423,000.00 ZZ 360 421,508.28 1 6.250 2,604.48 66 6.000 2,604.48 GLENVIEW IL 60025 5 10/23/03 00 0437224165 05 12/01/03 0 40107985 O 11/01/33 0 8985838 Y65/G02 F 480,000.00 ZZ 360 479,018.84 1 5.875 2,839.38 80 5.625 2,839.38 1 ROCKVILLE MD 20850 2 11/07/03 00 0437221245 05 01/01/04 0 40108139 O 12/01/33 0 8989136 G52/G02 F 495,000.00 ZZ 360 494,495.33 1 5.875 2,928.11 75 5.625 2,928.11 LONETREE CO 80124 2 12/12/03 00 0437229263 03 02/01/04 0 7505006604 O 01/01/34 0 8993264 N47/G02 F 562,500.00 ZZ 360 561,979.01 1 6.375 3,509.27 75 6.125 3,509.27 CARLSBAD CA 92008 5 12/09/03 00 0437350275 05 02/01/04 0 30510284 O 01/01/34 0 8999198 E22/G02 F 392,000.00 ZZ 360 391,600.34 1 5.875 2,318.83 80 5.625 2,318.83 SAN FRANCISCO CA 94127 1 12/22/03 00 0419470828 05 02/01/04 0 0419470828 O 01/01/34 0 8999706 E22/G02 F 384,000.00 ZZ 360 383,635.65 1 6.250 2,364.35 84 6.000 2,364.35 WOODBRIDGE VA 22192 5 12/18/03 10 0419147590 03 02/01/04 12 0419147590 O 01/01/34 0 8999726 E22/G02 F 336,000.00 ZZ 360 335,703.56 1 6.625 2,151.44 84 6.375 2,151.44 OAK LAWN IL 60453 2 12/23/03 01 0419065917 05 02/01/04 12 0419065917 O 01/01/34 0 1 8999764 E22/G02 F 500,000.00 ZZ 360 499,536.90 1 6.375 3,119.35 77 6.125 3,119.35 CANDLER NC 28715 5 12/23/03 00 0419019484 05 02/01/04 0 0419019484 O 01/01/34 0 9001378 Y21/G02 F 559,200.00 ZZ 360 558,694.47 1 6.500 3,534.53 80 6.250 3,534.53 WASHINGTON DC 20005 1 12/10/03 00 0437235146 05 02/01/04 0 203940229 O 01/01/34 0 9001422 Y21/G02 F 360,000.00 ZZ 360 359,666.56 1 6.375 2,245.94 90 6.125 2,245.94 JERSEY CITY NJ 07302 1 12/08/03 04 0437237043 01 02/01/04 25 203928997 O 01/01/34 0 9001430 Y21/G02 F 484,000.00 ZZ 360 483,622.43 1 7.250 3,301.74 80 7.000 3,301.74 IPSWICH MA 01938 1 12/12/03 00 0437234909 05 02/01/04 0 203875672 O 01/01/34 0 9001444 Y21/G02 F 400,000.00 ZZ 360 399,663.95 1 6.875 2,627.72 80 6.625 2,627.72 MADISON MS 39110 5 12/03/03 00 0437237415 03 02/01/04 0 203946057 O 01/01/34 0 9001554 Y21/G02 F 444,000.00 ZZ 360 443,557.99 1 1 6.000 2,662.01 80 5.750 2,662.01 WHITTIER CA 90603 1 12/03/03 00 0437239148 05 02/01/04 0 203942931 O 01/01/34 0 9001578 Y21/G02 F 401,000.00 ZZ 360 400,600.80 1 6.000 2,404.20 33 5.750 2,404.20 BRICK TOWNSHIP NJ 08723 2 12/03/03 00 0437229628 05 02/01/04 0 203916352 O 01/01/34 0 9001664 Y21/G02 F 375,250.00 ZZ 360 374,902.44 1 6.375 2,341.08 95 6.125 2,341.08 SEA GIRT NJ 08750 1 12/12/03 04 0437231426 05 02/01/04 30 203943007 O 01/01/34 0 9001694 Y21/G02 F 580,000.00 ZZ 360 579,422.60 1 6.000 3,477.40 80 5.750 3,477.40 WATSONVILLE CA 95076 1 12/09/03 00 0437239288 05 02/01/04 0 203942981 O 01/01/34 0 9002636 E22/G02 F 391,600.00 TX 360 391,228.43 1 6.250 2,411.15 80 6.000 2,411.15 AUSTIN TX 78733 5 12/24/03 00 0418936753 03 02/01/04 0 0418936753 O 01/01/34 0 9002854 P01/G02 F 424,000.00 ZZ 360 423,625.91 1 6.625 2,714.92 80 6.375 2,714.92 WEYMOUTH MA 02189 1 12/17/03 00 0437255292 05 02/01/04 0 1 03004193 O 01/01/34 0 9003534 225/G02 F 409,000.00 ZZ 360 408,240.35 1 6.375 2,551.63 69 6.125 2,551.63 PEACHTREE CITY GA 30269 5 11/17/03 00 0437259609 03 01/01/04 0 006935412 O 12/01/33 0 9003536 225/G02 F 459,920.00 ZZ 360 459,065.79 1 6.375 2,869.30 80 6.125 2,869.30 MARIETTA GA 30064 1 11/14/03 00 0437235575 03 01/01/04 0 006936687 O 12/01/33 0 9003540 225/G02 F 444,000.00 ZZ 360 440,859.20 1 6.000 2,662.00 80 5.750 2,662.00 FINKSBURG MD 21048 2 07/02/03 00 0437235716 05 08/01/03 0 007492344 O 07/01/33 0 9003568 225/G02 F 501,000.00 ZZ 360 500,155.77 1 6.875 3,291.22 70 6.625 3,291.22 MONEE IL 60449 2 11/12/03 00 0437235765 05 01/01/04 0 007513002 O 12/01/33 0 9003600 225/G02 F 402,960.00 ZZ 360 401,887.52 1 6.625 2,580.20 80 6.375 2,580.20 DELAND FL 32720 4 10/24/03 00 0437235039 05 12/01/03 0 006869229 O 11/01/33 0 1 9003602 225/G02 F 444,200.00 ZZ 360 443,394.69 1 6.500 2,807.65 80 6.250 2,807.65 JUPITER FL 33458 1 11/26/03 00 0437236607 03 01/01/04 0 006872767 O 12/01/33 0 9003614 225/G02 F 517,500.00 ZZ 360 515,702.66 1 6.750 3,356.50 75 6.500 3,356.50 STAMFORD CT 06903 1 09/26/03 00 0437236730 05 11/01/03 0 006927898 O 10/01/33 0 9003630 225/G02 F 436,000.00 ZZ 360 434,522.19 1 6.875 2,864.21 80 6.625 2,864.21 WASHINGTON DC 20002 1 10/01/03 00 0437259641 05 11/01/03 0 006933459 O 10/01/33 0 9004582 E22/G02 F 491,600.00 T 360 491,086.74 1 5.750 2,868.84 80 5.500 2,868.84 CAYUCOS CA 93430 1 12/26/03 00 0419236591 05 02/01/04 0 0419236591 O 01/01/34 0 9004996 E22/G02 F 349,000.00 ZZ 360 348,644.18 1 5.875 2,064.47 57 5.625 2,064.47 SAN FRANCISCO CA 94116 1 12/19/03 00 0419403043 05 02/01/04 0 0419403043 O 01/01/34 0 9007102 E22/G02 F 379,000.00 ZZ 360 378,631.64 1 6.125 2,302.84 80 5.875 2,302.84 1 SAN FRANCISCO CA 94134 1 12/18/03 00 0419382890 05 02/01/04 0 0419382890 O 01/01/34 0 9011380 E22/G02 F 440,000.00 TX 360 439,582.51 1 6.250 2,709.16 80 6.000 2,709.16 AUSTIN TX 78731 5 12/29/03 00 0419356860 05 02/01/04 0 0419356860 O 01/01/34 0 9013458 H58/G02 F 391,500.00 T 360 391,179.09 1 7.000 2,604.66 90 6.750 2,604.66 SAN DIEGO CA 92122 1 12/29/03 11 0437254071 01 02/01/04 25 0000203269 O 01/01/34 0 9015614 E22/G02 F 342,000.00 ZZ 360 342,000.00 1 7.125 2,304.12 95 6.875 2,304.12 MEBANE NC 27302 1 01/06/04 10 0419351135 05 03/01/04 30 0419351135 O 02/01/34 0 9015660 E22/G02 F 750,000.00 ZZ 360 750,000.00 1 6.125 4,557.08 79 5.875 4,557.08 SAN FRANCISCO CA 94107 1 12/31/03 00 0419393806 01 03/01/04 0 0419393806 O 02/01/34 0 9016048 E22/G02 F 395,000.00 ZZ 360 394,625.21 1 6.250 2,432.08 72 6.000 2,432.08 BREWSTER MA 02631 5 12/31/03 00 0419314166 05 02/01/04 0 0419314166 O 01/01/34 0 1 9021908 E22/G02 F 380,000.00 ZZ 360 379,630.66 1 6.125 2,308.92 80 5.875 2,308.92 SAN DIEGO CA 92124 5 12/22/03 00 0419451646 05 02/01/04 0 0419451646 O 01/01/34 0 9025368 956/956 F 528,000.00 ZZ 360 527,474.37 1 6.000 3,165.63 80 5.750 3,165.63 BOYDS MD 20841 2 12/08/03 00 8213110004 03 02/01/04 0 8213110004 O 01/01/34 0 9025370 956/956 F 400,000.00 ZZ 360 399,611.23 1 6.125 2,430.44 70 5.875 2,430.44 SANTA CLARITA A CA 91354 5 12/07/03 00 613120002 03 02/01/04 0 613120002 O 01/01/34 0 9025372 956/956 F 580,000.00 ZZ 360 579,394.45 1 5.750 3,384.72 67 5.500 3,384.72 SAN JOSE CA 95125 5 12/15/03 00 713120021 05 02/01/04 0 713120021 O 01/01/34 0 9025374 956/956 F 400,000.00 ZZ 360 399,592.18 1 5.875 2,366.15 75 5.625 2,366.15 LA PALMA CA 90623 2 12/01/03 00 1113120030 05 02/01/04 0 1113120030 O 01/01/34 0 9025376 956/956 F 650,000.00 ZZ 360 649,352.92 1 1 6.000 3,897.08 61 5.750 3,897.08 SAN DIEGO CA 92127 1 12/09/03 00 1113120091 03 02/01/04 0 1113120091 O 01/01/34 0 9025378 956/956 F 432,000.00 ZZ 360 431,569.94 1 6.000 2,590.06 73 5.750 2,590.06 PORTLAND OR 97210 2 12/03/03 00 1713100002 05 02/01/04 0 1713100002 O 01/01/34 0 9025380 956/956 F 528,000.00 ZZ 360 526,921.00 1 5.625 3,039.47 79 5.375 3,039.47 OGDEN UT 84403 2 12/12/03 00 2213120040 03 02/01/04 0 2213120040 O 01/01/34 0 9025382 956/956 F 471,500.00 ZZ 360 471,019.29 1 5.875 2,789.10 79 5.625 2,789.10 COLORADO SPRING CO 80906 2 12/08/03 00 2413110102 05 02/01/04 0 2413110102 O 01/01/34 0 9025384 956/956 F 575,000.00 ZZ 360 571,897.31 1 5.625 3,310.02 80 5.375 3,310.02 NEW HOPE PA 18938 1 08/25/03 00 3813070179 03 10/01/03 0 3813070179 O 09/01/33 0 9025386 956/956 F 529,000.00 ZZ 360 529,000.00 1 5.750 3,087.10 74 5.500 3,087.10 ATLANTA GA 30319 1 01/02/04 00 4613120013 05 03/01/04 0 1 4613120013 O 02/01/34 0 9025388 956/956 F 520,000.00 ZZ 360 519,469.83 1 5.875 3,076.00 80 5.625 3,076.00 BELMONT CA 94002 2 12/04/03 00 5313110005 05 02/01/04 0 5313110005 O 01/01/34 0 9025564 E22/G02 F 390,000.00 ZZ 360 390,000.00 1 6.000 2,338.25 46 5.750 2,338.25 SAN FRANCISCO CA 94118 2 01/02/04 00 0419381611 05 03/01/04 0 0419381611 N 02/01/34 0 9025776 E22/G02 F 400,000.00 ZZ 360 400,000.00 1 6.000 2,398.20 31 5.750 2,398.20 SAN FRANCISCO CA 94121 2 01/06/04 00 0419381512 05 03/01/04 0 0419381512 N 02/01/34 0 9029604 E22/G02 F 497,600.00 ZZ 360 497,600.00 1 6.500 3,145.17 80 6.250 3,145.17 R. SANTA MARGAR CA 92688 5 01/02/04 00 0419299789 03 03/01/04 0 0419299789 O 02/01/34 0 9029716 E22/G02 F 449,600.00 ZZ 360 449,152.42 1 6.000 2,695.58 80 5.750 2,695.58 RESCUE CA 95672 1 12/22/03 00 0419085642 05 02/01/04 0 0419085642 O 01/01/34 0 1 9029732 E22/G02 F 372,000.00 ZZ 360 372,000.00 1 6.250 2,290.47 80 6.000 2,290.47 PORTLAND OR 97229 1 01/02/04 00 0419139936 03 03/01/04 0 0419139936 O 02/01/34 0 9030568 X51/G02 F 420,000.00 ZZ 360 420,000.00 1 6.250 2,586.01 74 6.000 2,586.01 BELLEVUE WA 98004 5 01/07/04 00 0437290232 05 03/01/04 0 0031205004 O 02/01/34 0 9030624 588/G02 F 371,700.00 ZZ 360 371,424.15 1 7.500 2,598.98 90 7.250 2,598.98 BOROUGH FO GARD NJ 08826 1 12/18/03 01 0437284664 05 02/01/04 25 1113276 O 01/01/34 0 9031968 E22/G02 F 550,000.00 ZZ 360 550,000.00 1 6.125 3,341.86 74 5.875 3,341.86 HUNTINGTON BEAC CA 92646 1 01/02/04 00 0419443536 05 03/01/04 0 0419443536 O 02/01/34 0 9032192 E22/G02 F 396,000.00 ZZ 360 396,000.00 1 6.125 2,406.14 80 5.875 2,406.14 COSTA MESA CA 92626 5 12/30/03 00 0419327325 05 03/01/04 0 0419327325 O 02/01/34 0 9032358 E22/G02 F 372,000.00 ZZ 360 372,000.00 1 6.375 2,320.80 80 6.125 2,320.80 1 SNOHOMISH WA 98290 5 01/05/04 00 0418612800 03 03/01/04 0 0418612800 O 02/01/34 0 9033612 642/G02 F 352,000.00 ZZ 360 352,000.00 1 6.375 2,196.02 80 6.125 2,196.02 SANTEE CA 92071 1 01/02/04 00 0437356876 05 03/01/04 0 11158803 O 02/01/34 0 9035586 N47/G02 F 412,000.00 ZZ 360 412,000.00 1 6.375 2,570.34 75 6.125 2,570.34 SAN DIEGO CA 92129 5 01/02/04 00 0437400484 05 03/01/04 0 30511575 O 02/01/34 0 9036530 168/168 F 500,000.00 ZZ 360 500,000.00 2 6.750 3,243.00 76 6.500 3,243.00 ELMHURST NY 11373 1 01/06/04 00 3787045 05 03/01/04 0 0379870452 O 02/01/34 0 9038930 X05/G02 F 408,000.00 ZZ 360 407,593.83 1 6.000 2,446.17 80 5.750 2,446.17 SACRAMENTO CA 95821 1 12/10/03 00 0437316425 05 02/01/04 0 7312000 O 01/01/34 0 9039086 X05/G02 F 475,000.00 ZZ 360 474,549.30 2 6.250 2,924.66 54 6.000 2,924.66 BERKELEY CA 94703 5 12/01/03 00 0437320492 05 02/01/04 0 11311020 O 01/01/34 0 1 9039206 X05/G02 F 389,000.00 ZZ 360 388,603.40 1 5.875 2,301.08 80 5.625 2,301.08 VISTA CA 92084 2 12/22/03 00 0437324544 05 02/01/04 0 013100136 O 01/01/34 0 9040972 E22/G02 F 480,000.00 TX 360 480,000.00 1 6.375 2,994.58 75 6.125 2,994.58 DALLAS TX 75220 5 01/09/04 00 0419440441 05 03/01/04 0 0419440441 O 02/01/34 0 9041294 369/G02 F 460,000.00 ZZ 360 459,205.65 1 6.750 2,983.56 80 6.500 2,983.56 ORLANDO FL 32801 1 12/05/03 00 0437291842 05 01/01/04 0 0077214708 O 12/01/33 0 9041548 X51/G02 F 435,500.00 ZZ 360 435,500.00 1 6.000 2,611.04 75 5.750 2,611.04 REDONDO BEACH CA 90278 5 01/10/04 00 0437309511 05 03/01/04 0 0040105001 O 02/01/34 0 9044506 H58/G02 F 367,516.00 ZZ 360 366,782.45 1 6.000 2,203.44 79 5.750 2,203.44 DISCOVERY BAY CA 94514 1 11/24/03 00 0437326077 03 01/01/04 0 0000200409 O 12/01/33 0 9044968 E82/G02 F 345,000.00 ZZ 360 345,000.00 1 1 6.125 2,096.26 59 5.875 2,096.26 ARLINGTON VA 22207 5 01/14/04 00 0400937983 05 03/01/04 0 0400937983 O 02/01/34 0 9045008 E22/G02 F 592,000.00 ZZ 360 592,000.00 1 6.250 3,645.05 80 6.000 3,645.05 PLANTATION FL 33324 1 01/15/04 00 0419350350 03 03/01/04 0 0419350350 O 02/01/34 0 9047288 U05/G02 F 352,200.00 ZZ 360 352,200.00 1 6.875 2,313.70 69 6.625 2,313.70 AUSTIN TX 78705 2 01/12/04 00 0437354129 05 03/01/04 0 3000506537 N 02/01/34 0 9052490 E22/G02 F 460,000.00 TX 360 460,000.00 1 6.500 2,907.51 80 6.250 2,907.51 DALLAS TX 75225 5 01/12/04 00 0419450986 05 03/01/04 0 0419450986 O 02/01/34 0 9053514 Y65/G02 F 475,000.00 ZZ 360 474,504.07 1 5.750 2,771.97 68 5.500 2,771.97 RESCUE CA 95672 5 12/02/03 00 0437347800 05 02/01/04 0 40116744 O 01/01/34 0 9053526 Y65/G02 F 448,000.00 ZZ 360 447,105.79 1 6.000 2,685.99 80 5.750 2,685.99 LIVERMORE CA 94550 5 11/12/03 00 0437347289 05 01/01/04 0 1 40109870 O 12/01/33 0 9053530 Y65/G02 F 385,000.00 ZZ 360 384,213.03 1 5.875 2,277.42 61 5.625 2,277.42 NORTHRIDGE (ARE CA 91324 5 11/21/03 00 0437329287 05 01/01/04 0 40115494 O 12/01/33 0 9053532 Y65/G02 F 449,000.00 ZZ 360 448,039.38 1 5.875 2,656.00 75 5.625 2,656.00 LONG BEACH CA 90814 5 11/21/03 00 0437353436 05 01/01/04 0 40115711 O 12/01/33 0 9053540 Y65/G02 F 474,000.00 ZZ 360 473,271.25 1 5.750 2,766.14 68 5.500 2,766.14 SAN JOSE CA 95120 2 12/10/03 00 0437354103 05 02/01/04 0 40117846 O 01/01/34 0 9053542 Y65/G02 F 362,250.00 ZZ 360 361,853.49 1 5.500 2,056.82 80 5.250 2,056.82 ELK GROVE CA 95758 1 12/09/03 00 0437332000 05 02/01/04 0 40106820 O 01/01/34 0 9053548 Y65/G02 F 553,000.00 ZZ 360 552,436.20 1 5.875 3,271.20 52 5.625 3,271.20 ORANGE CA 92869 2 12/09/03 00 0437329691 05 02/01/04 0 40115937 O 01/01/34 0 1 9053552 Y65/G02 F 444,000.00 ZZ 360 443,536.44 1 5.750 2,591.06 69 5.500 2,591.06 SOUTH SAN FRANC CA 94080 2 12/10/03 00 0437348295 03 02/01/04 0 40116000 O 01/01/34 0 9053554 Y65/G02 F 415,000.00 ZZ 360 414,576.89 1 5.875 2,454.88 67 5.625 2,454.88 BERKELEY CA 94707 5 12/17/03 00 0437355308 05 02/01/04 0 40120319 O 01/01/34 0 9053558 Y65/G02 F 600,000.00 ZZ 360 599,402.70 1 6.000 3,597.30 69 5.750 3,597.30 NOVATO CA 94949 1 12/09/03 00 0437347438 03 02/01/04 0 40117615 O 01/01/34 0 9053560 Y65/G02 F 380,000.00 ZZ 360 379,603.25 1 5.750 2,217.58 73 5.500 2,217.58 CAMINO CA 95709 5 12/16/03 00 0437352024 05 02/01/04 0 40120503 O 01/01/34 0 9053566 Y65/G02 F 444,000.00 ZZ 360 443,547.32 1 5.875 2,626.43 54 5.625 2,626.43 STUDIO CITY CA 91604 5 12/05/03 00 0437358732 05 02/01/04 0 40116894 O 01/01/34 0 9053570 Y65/G02 F 367,000.00 ZZ 360 366,616.83 1 5.750 2,141.71 36 5.500 2,141.71 1 CUPERTINO CA 95014 2 12/03/03 00 0437332463 05 02/01/04 0 40102903 O 01/01/34 0 9053588 Y65/G02 F 500,000.00 ZZ 360 499,514.03 1 6.125 3,038.05 42 5.875 3,038.05 NOVATO CA 94947 5 12/08/03 00 0437356637 05 02/01/04 0 40115563 O 01/01/34 0 9053590 Y65/G02 F 432,000.00 ZZ 360 431,548.97 1 5.750 2,521.03 80 5.500 2,521.03 SAN RAMON CA 94583 2 12/11/03 00 0437329600 03 02/01/04 0 40120261 O 01/01/34 0 9053598 Y65/G02 F 525,000.00 ZZ 360 524,298.33 1 6.125 3,189.96 75 5.875 3,189.96 CARMICHAEL CA 95608 5 12/01/03 00 0437360977 05 02/01/04 0 40105800 O 01/01/34 0 9053600 Y65/G02 F 415,000.00 ZZ 360 414,586.87 1 6.000 2,488.13 55 5.750 2,488.13 DAVIS CA 95616 1 12/17/03 00 0437331366 05 02/10/04 0 40118732 O 01/10/34 0 9053656 Y65/G02 F 360,000.00 ZZ 360 359,632.96 1 5.875 2,129.54 48 5.625 2,129.54 SANTA MONICA CA 90405 5 12/10/03 00 0437349145 01 02/01/04 0 40119496 O 01/01/34 0 1 9053660 Y65/G02 F 455,000.00 ZZ 360 454,536.10 1 5.875 2,691.50 69 5.625 2,691.50 SAN JOSE CA 95133 2 12/16/03 00 0437351083 05 02/01/04 0 40119618 O 01/01/34 0 9053674 Y65/G02 F 550,000.00 ZZ 360 548,848.79 1 5.750 3,209.65 72 5.500 3,209.65 SAN JOSE CA 95125 5 11/19/03 00 0437353493 05 01/01/04 0 40114427 O 12/01/33 0 9054642 E22/G02 F 420,000.00 ZZ 360 420,000.00 1 6.250 2,586.01 80 6.000 2,586.01 WOODINVILLE WA 98077 1 01/15/04 00 0419516232 05 03/01/04 0 0419516232 O 02/01/34 0 9054730 E22/G02 F 649,000.00 ZZ 360 649,000.00 1 6.000 3,891.08 75 5.750 3,891.08 MINNEAPOLIS MN 55403 2 01/14/04 00 0419475017 05 03/01/04 0 0419475017 O 02/01/34 0 9056184 F99/G02 F 544,000.00 ZZ 360 543,458.45 1 6.000 3,261.55 80 5.750 3,261.55 ARDEN NC 28704 2 12/23/03 00 0437372741 05 02/01/04 0 4703185927 O 01/01/34 0 9060474 E22/G02 F 570,000.00 ZZ 360 570,000.00 1 1 6.375 3,556.06 72 6.125 3,556.06 NEW ORLEANS LA 70113 5 01/15/04 00 0419449285 05 03/01/04 0 0419449285 O 02/01/34 0 9061078 F99/G02 F 598,000.00 ZZ 360 597,390.31 1 5.875 3,537.40 73 5.625 3,537.40 SANTA MONICA CA 90405 2 12/15/03 00 0437372550 08 02/01/04 0 4703224190 O 01/01/34 0 9061192 E22/G02 F 390,000.00 ZZ 360 390,000.00 1 6.125 2,369.68 80 5.875 2,369.68 OXNARD CA 93030 2 01/12/04 00 0419517966 05 03/01/04 0 0419517966 O 02/01/34 0 9061254 975/G02 F 480,000.00 ZZ 360 480,000.00 2 6.000 2,877.84 64 5.750 2,877.84 REDONDO BEACH CA 90278 5 01/01/04 00 0437376767 05 03/01/04 0 2036979 O 02/01/34 0 9062298 X67/G02 F 406,000.00 ZZ 360 405,614.77 1 6.250 2,499.81 70 6.000 2,499.81 RANCHO CUCAMONG CA 91739 5 12/18/03 00 0437364409 05 02/01/04 0 0000433493 O 01/01/34 0 9063618 F99/G02 F 380,000.00 ZZ 360 379,621.70 1 6.000 2,278.30 78 5.750 2,278.30 LIVERMORE CA 94550 2 12/24/03 00 0437371461 05 02/01/04 0 1 4703238968 O 01/01/34 0 9066326 E22/G02 F 388,000.00 ZZ 360 388,000.00 1 6.250 2,388.98 78 6.000 2,388.98 NORTH HOLLYWOOD CA 91601 5 01/07/04 00 0419461116 05 03/01/04 0 0419461116 O 02/01/34 0 9068182 E22/G02 F 460,000.00 ZZ 360 460,000.00 1 6.250 2,832.30 58 6.000 2,832.30 SONOMA CA 95476 5 01/12/04 00 0419140348 05 03/01/04 0 0419140348 O 02/01/34 0 9068222 N47/G02 F 356,000.00 ZZ 360 356,000.00 1 6.125 2,163.09 80 5.875 2,163.09 SAN DIEGO CA 92126 1 01/16/04 00 0437387673 05 03/01/04 0 30512056 O 02/01/34 0 9068410 E85/G02 F 644,800.00 ZZ 360 644,800.00 1 5.750 3,762.88 80 5.500 3,762.88 SAN FRANCISCO CA 94110 1 01/12/04 00 0437375124 05 03/01/04 0 1008756 O 02/01/34 0 9068526 E85/G02 F 385,000.00 ZZ 360 385,000.00 1 5.875 2,277.42 44 5.625 2,277.42 SAN RAFAEL CA 94901 1 01/09/04 00 0437375249 05 03/01/04 0 1008616 O 02/01/34 0 1 9068544 E85/G02 F 445,000.00 ZZ 360 445,000.00 1 5.750 2,596.90 80 5.500 2,596.90 NOVATO CA 94945 2 01/09/04 00 0437375520 05 03/01/04 0 9620175 O 02/01/34 0 9068568 642/G02 F 365,000.00 ZZ 360 365,000.00 1 6.375 2,277.13 77 6.125 2,277.13 BAYSIDE NY 11361 5 01/16/04 00 0437380124 05 03/01/04 0 8729717 O 02/01/34 0 9070006 P01/G02 F 390,000.00 ZZ 360 390,000.00 1 6.750 2,529.53 70 6.500 2,529.53 HOPEWELL JUNCTI NY 12533 5 01/19/04 00 0437367188 05 03/01/04 0 003005348 O 02/01/34 0 9072006 X05/G02 F 505,000.00 ZZ 360 505,000.00 1 5.875 2,987.27 71 5.625 2,987.27 SANTA ANA CA 92705 5 01/15/04 00 0437377740 05 03/01/04 0 11312108 O 02/01/34 0 9074404 E22/G02 F 452,000.00 ZZ 360 452,000.00 1 6.250 2,783.04 80 6.000 2,783.04 DALLAS TX 75230 5 01/20/04 00 0419527379 05 03/01/04 0 0419527379 O 02/01/34 0 9074738 E22/G02 F 480,000.00 ZZ 360 480,000.00 1 6.000 2,877.84 80 5.750 2,877.84 1 EUGENE OR 97403 5 01/16/04 00 0419364872 05 03/01/04 0 0419364872 O 02/01/34 0 9076936 N47/G02 F 426,000.00 ZZ 360 426,000.00 1 6.125 2,588.42 78 5.875 2,588.42 DALY CITY CA 94014 2 01/09/04 00 0437374309 05 03/01/04 0 20513632 O 02/01/34 0 9077500 E22/G02 F 490,000.00 ZZ 360 490,000.00 2 6.125 2,977.29 60 5.875 2,977.29 SANTA BARBARA CA 93103 5 01/14/04 00 0419354733 05 03/01/04 0 0419354733 O 02/01/34 0 9077816 M18/G02 F 420,000.00 ZZ 360 420,000.00 1 6.625 2,689.31 67 6.375 2,689.31 LAGUNA NIGUEL CA 92677 5 01/16/04 00 0437391253 05 03/01/04 0 980102784 O 02/01/34 0 9078584 E22/G02 F 396,000.00 TX 360 396,000.00 1 6.375 2,470.52 80 6.125 2,470.52 BOERNE TX 78006 5 01/23/04 00 0419417563 05 03/01/04 0 0419417563 O 02/01/34 0 9079448 U37/U37 F 440,000.00 ZZ 360 440,000.00 1 6.375 2,745.03 79 6.125 2,745.03 ARROYO GRANDE CA 93420 2 01/22/04 00 8900012552 05 03/01/04 0 8900012552 O 02/01/34 0 1 9081286 E22/G02 F 550,000.00 ZZ 360 550,000.00 1 6.000 3,297.53 75 5.750 3,297.53 GREENLAWN NY 11740 1 01/29/04 00 0419643796 05 03/01/04 0 0419643796 O 02/01/34 0 9081506 588/G02 F 392,000.00 ZZ 360 392,000.00 1 7.250 2,674.13 80 7.000 2,674.13 WEST CHESTER BO PA 19380 1 01/23/04 00 0437384597 05 03/01/04 0 1113667 O 02/01/34 0 9081614 E22/G02 F 362,400.00 ZZ 360 362,400.00 1 6.500 2,290.61 80 6.250 2,290.61 PLANO TX 75093 5 01/24/04 00 0419535000 03 03/01/04 0 0419535000 O 02/01/34 0 9083904 E22/G02 F 632,000.00 ZZ 360 632,000.00 1 6.125 3,840.10 79 5.875 3,840.10 SHREWSBURY MA 01545 5 01/26/04 00 0419493788 05 03/01/04 0 0419493788 O 02/01/34 0 9084604 E22/G02 F 358,000.00 ZZ 360 358,000.00 1 6.000 2,146.39 80 5.750 2,146.39 SAN JOSE CA 95122 5 01/23/04 00 0419668850 05 03/01/04 0 0419668850 O 02/01/34 0 9084814 E22/G02 F 456,000.00 ZZ 360 456,000.00 1 1 6.875 2,995.60 79 6.625 2,995.60 PUYALLUP WA 98371 5 01/23/04 00 0419408703 05 03/01/04 0 0419408703 O 02/01/34 0 9084870 E22/G02 F 376,000.00 ZZ 360 376,000.00 1 6.500 2,376.58 80 6.250 2,376.58 DANVERS MA 01923 1 01/30/04 00 0419307806 05 03/01/04 0 0419307806 O 02/01/34 0 9086668 E22/G02 F 385,000.00 ZZ 360 385,000.00 1 6.000 2,308.27 80 5.750 2,308.27 SALINAS CA 93905 5 01/27/04 00 0419740881 05 03/01/04 0 0419740881 O 02/01/34 0 9087386 A52/G02 F 398,000.00 ZZ 360 398,000.00 1 6.500 2,515.63 79 6.250 2,515.63 JEFFERSON GA 30549 5 02/02/04 00 0437393028 05 03/01/04 0 28686 O 02/01/34 0 9090576 E22/G02 F 380,000.00 ZZ 360 380,000.00 1 6.000 2,278.29 89 5.750 2,278.29 FRESNO CA 93727 2 01/26/04 01 0419439781 05 03/01/04 25 0419439781 O 02/01/34 0 9096066 X82/G02 F 382,700.00 ZZ 360 382,700.00 1 6.250 2,356.35 80 6.000 2,356.35 BRISTOW VA 20136 1 01/28/04 00 0437388960 03 03/01/04 0 1 876516 O 02/01/34 0 9096530 E22/G02 F 400,000.00 ZZ 360 400,000.00 1 6.625 2,561.24 77 6.375 2,561.24 CORONA CA 92882 5 01/22/04 00 0419572854 05 03/01/04 0 0419572854 O 02/01/34 0 9096714 E22/G02 F 479,200.00 TX 360 479,200.00 1 6.625 3,068.37 80 6.375 3,068.37 SAN ANTONIO TX 78209 5 01/30/04 00 0419192885 05 03/01/04 0 0419192885 O 02/01/34 0 TOTAL NUMBER OF LOANS : 141 TOTAL ORIGINAL BALANCE : 63,001,446.00 TOTAL PRINCIPAL BALANCE : 62,938,495.30 TOTAL ORIGINAL P+I : 385,864.75 TOTAL CURRENT P+I : 385,864.75 *************************** * END OF REPORT * ***************************
EXHIBIT TWO SCHEDULE OF DISCOUNT FRACTIONS Schedule of Discount Fractions Loan Number Current Balance Net Mortgage Rate Discount Fraction PO Balance 8535030 $270,812.50 5.595% 2.6957% $7,300.16 8565932 $64,529.23 5.595% 2.6957% $1,739.48 8668224 $82,380.17 5.595% 2.6957% $2,220.68 8692614 $38,824.02 5.095% 11.3913% $4,422.56 8706641 $578,543.51 5.595% 2.6957% $15,595.52 8756438 $171,293.35 5.595% 2.6957% $4,617.47 8844998 $173,738.13 5.595% 2.6957% $4,683.38 8850986 $214,984.19 5.595% 2.6957% $5,795.23 8851008 $231,286.91 5.595% 2.6957% $6,234.69 8852000 $248,886.92 5.720% 0.5217% $1,298.54 8852526 $115,458.80 5.095% 11.3913% $13,152.26 8871102 $239,520.97 5.720% 0.5217% $1,249.67 8891646 $114,447.13 5.595% 2.6957% $3,085.10 8892014 $168,662.68 5.720% 0.5217% $879.98 8907534 $384,231.54 5.720% 0.5217% $2,004.69 8908992 $128,842.32 5.720% 0.5217% $672.22 8909809 $98,800.00 5.595% 2.6957% $2,663.30 8913820 $114,091.81 5.720% 0.5217% $595.26 8914000 $164,835.74 5.720% 0.5217% $860.01 8924486 $535,466.41 5.720% 0.5217% $2,793.74 8924554 $85,912.32 5.595% 2.6957% $2,315.90 8926626 $78,173.17 5.720% 0.5217% $407.86 8934300 $83,824.37 5.595% 2.6957% $2,259.61 8936328 $74,925.34 5.720% 0.5217% $390.91 8936456 $68,013.75 5.595% 2.6957% $1,833.41 8942460 $110,102.64 5.595% 2.6957% $2,967.98 8947460 $392,599.32 5.595% 2.6957% $10,583.11 8955552 $87,910.28 5.595% 2.6957% $2,369.76 8961920 $112,796.39 5.720% 0.5217% $588.50 8961966 $85,735.64 5.595% 2.6957% $2,311.13 8962016 $167,977.79 5.720% 0.5217% $876.41 8962248 $136,030.83 5.720% 0.5217% $709.73 8962292 $80,773.96 5.720% 0.5217% $421.43 8962316 $123,232.09 5.595% 2.6957% $3,321.91 8962320 $96,210.35 5.720% 0.5217% $501.97 8962366 $146,417.17 5.720% 0.5217% $763.92 8962396 $301,784.36 5.720% 0.5217% $1,574.53 8962466 $117,587.26 5.595% 2.6957% $3,169.74 8962470 $78,507.94 5.595% 2.6957% $2,116.30 8962494 $58,220.50 5.595% 2.6957% $1,569.42 8962518 $114,654.81 5.720% 0.5217% $598.20 8962558 $200,946.23 5.720% 0.5217% $1,048.42 8962606 $56,027.25 5.595% 2.6957% $1,510.30 8962710 $80,352.26 5.595% 2.6957% $2,166.02 8962730 $139,713.82 5.595% 2.6957% $3,766.20 8962746 $108,774.89 5.720% 0.5217% $567.52 8962756 $259,219.60 5.720% 0.5217% $1,352.45 8962766 $138,248.75 5.595% 2.6957% $3,726.71 8962768 $133,772.28 5.720% 0.5217% $697.94 8962774 $190,426.69 5.720% 0.5217% $993.53 8962816 $157,126.95 5.720% 0.5217% $819.79 8962820 $157,027.25 5.720% 0.5217% $819.27 8962890 $175,720.98 5.720% 0.5217% $916.81 Wednesday, February 18, 2004 Page 1 of 5 8962900 $202,085.97 5.720% 0.5217% $1,054.36 8962912 $209,369.51 5.720% 0.5217% $1,092.36 8962976 $108,672.81 5.720% 0.5217% $566.99 8963012 $99,492.62 5.595% 2.6957% $2,681.98 8963024 $74,702.15 5.595% 2.6957% $2,013.71 8963032 $169,078.71 5.595% 2.6957% $4,557.77 8963044 $61,809.41 5.595% 2.6957% $1,666.17 8963046 $233,280.76 5.595% 2.6957% $6,288.44 8963048 $155,520.51 5.595% 2.6957% $4,192.29 8963058 $96,609.14 5.720% 0.5217% $504.05 8963088 $179,253.80 5.720% 0.5217% $935.24 8963154 $131,337.32 5.720% 0.5217% $685.24 8963164 $149,549.76 5.720% 0.5217% $780.26 8963662 $177,672.80 5.470% 4.8696% $8,651.89 8963668 $139,112.42 5.470% 4.8696% $6,774.17 8965084 $95,502.53 5.595% 2.6957% $2,574.42 8968306 $81,516.81 5.595% 2.6957% $2,197.41 8968492 $177,818.52 5.595% 2.6957% $4,793.37 8968656 $127,869.50 5.595% 2.6957% $3,446.92 8968672 $322,378.75 5.720% 0.5217% $1,681.98 8973412 $139,857.27 5.595% 2.6957% $3,770.07 8974960 $119,877.65 5.595% 2.6957% $3,231.48 8982048 $201,465.24 5.720% 0.5217% $1,051.12 8982196 $69,928.63 5.595% 2.6957% $1,885.03 8982316 $159,840.72 5.720% 0.5217% $833.95 8985286 $131,773.60 5.470% 4.8696% $6,416.80 8985838 $479,018.84 5.595% 2.6957% $12,912.68 8987100 $135,062.16 5.595% 2.6957% $3,640.81 8987530 $150,749.78 5.720% 0.5217% $786.52 8987574 $85,462.34 5.720% 0.5217% $445.89 8987624 $157,223.33 5.720% 0.5217% $820.30 8987902 $104,343.51 5.595% 2.6957% $2,812.74 8987912 $264,736.19 5.720% 0.5217% $1,381.23 8987986 $92,902.91 5.470% 4.8696% $4,523.97 8988534 $99,900.45 5.720% 0.5217% $521.22 8989136 $494,495.33 5.595% 2.6957% $13,329.87 8992264 $154,841.97 5.595% 2.6957% $4,174.00 8996346 $121,476.02 5.595% 2.6957% $3,274.57 8999198 $391,600.34 5.595% 2.6957% $10,556.18 8999468 $119,689.29 5.720% 0.5217% $624.47 8999490 $274,712.88 5.470% 4.8696% $13,377.32 8999760 $189,710.95 5.720% 0.5217% $989.80 9001166 $279,721.26 5.720% 0.5217% $1,459.42 9001408 $68,858.94 5.595% 2.6957% $1,856.20 9001426 $246,754.11 5.720% 0.5217% $1,287.41 9001554 $443,557.99 5.720% 0.5217% $2,314.22 9001578 $400,600.80 5.720% 0.5217% $2,090.09 9001654 $279,714.52 5.595% 2.6957% $7,540.13 9001694 $579,422.60 5.720% 0.5217% $3,023.07 9001696 $151,439.11 5.595% 2.6957% $4,082.27 9002394 $184,815.83 5.720% 0.5217% $964.26 9002566 $94,903.14 5.595% 2.6957% $2,558.26 9003414 $79,840.32 5.720% 0.5217% $416.56 9003538 $328,813.27 5.720% 0.5217% $1,715.55 9003540 $440,859.20 5.720% 0.5217% $2,300.14 9004562 $142,000.00 5.720% 0.5217% $740.87 9004582 $491,086.74 5.470% 4.8696% $23,913.79 Wednesday, February 18, 2004 Page 2 of 5 9004592 $159,836.87 5.595% 2.6957% $4,308.65 9004640 $199,800.90 5.720% 0.5217% $1,042.44 9004702 $203,796.92 5.720% 0.5217% $1,063.29 9004788 $155,344.32 5.720% 0.5217% $810.49 9004996 $348,644.18 5.595% 2.6957% $9,398.23 9010690 $168,000.00 5.595% 2.6957% $4,528.70 9011432 $168,282.31 5.720% 0.5217% $877.99 9011446 $171,524.94 5.595% 2.6957% $4,623.72 9011448 $279,721.26 5.720% 0.5217% $1,459.42 9011810 $135,601.48 5.595% 2.6957% $3,655.34 9011872 $185,591.44 5.595% 2.6957% $5,002.90 9014624 $127,872.57 5.720% 0.5217% $667.16 9015872 $105,894.48 5.720% 0.5217% $552.49 9021730 $156,640.14 5.595% 2.6957% $4,222.47 9021800 $322,378.75 5.720% 0.5217% $1,681.98 9021818 $108,800.00 5.720% 0.5217% $567.65 9021860 $68,850.00 5.720% 0.5217% $359.22 9021890 $245,000.00 5.720% 0.5217% $1,278.26 9021966 $88,409.77 5.595% 2.6957% $2,383.22 9025368 $527,474.37 5.720% 0.5217% $2,752.04 9025372 $579,394.45 5.470% 4.8696% $28,213.99 9025374 $399,592.18 5.595% 2.6957% $10,771.62 9025376 $649,352.92 5.720% 0.5217% $3,387.93 9025378 $431,569.94 5.720% 0.5217% $2,251.67 9025380 $526,921.00 5.345% 7.0435% $37,113.57 9025382 $471,019.29 5.595% 2.6957% $12,697.04 9025384 $571,897.31 5.345% 7.0435% $40,281.46 9025386 $529,000.00 5.470% 4.8696% $25,760.00 9025388 $519,469.83 5.595% 2.6957% $14,003.10 9025564 $390,000.00 5.720% 0.5217% $2,034.78 9025566 $80,000.00 5.720% 0.5217% $417.39 9025618 $105,000.00 5.720% 0.5217% $547.83 9025646 $201,798.91 5.720% 0.5217% $1,052.86 9025704 $204,000.00 5.595% 2.6957% $5,499.13 9025776 $400,000.00 5.720% 0.5217% $2,086.96 9029288 $273,029.00 5.595% 2.6957% $7,359.91 9029416 $319,681.44 5.720% 0.5217% $1,667.90 9029716 $449,152.42 5.720% 0.5217% $2,343.40 9030406 $62,000.00 5.720% 0.5217% $323.48 9031980 $237,000.00 5.720% 0.5217% $1,236.52 9032014 $154,000.00 5.595% 2.6957% $4,151.30 9032038 $106,400.00 5.595% 2.6957% $2,868.17 9032102 $256,000.00 5.720% 0.5217% $1,335.65 9032314 $127,500.00 5.720% 0.5217% $665.22 9032410 $81,900.00 5.470% 4.8696% $3,988.17 9032728 $57,942.26 5.720% 0.5217% $302.31 9035474 $327,000.00 5.720% 0.5217% $1,706.09 9035508 $150,000.00 5.720% 0.5217% $782.61 9035556 $280,000.00 5.720% 0.5217% $1,460.87 9035748 $235,000.00 5.720% 0.5217% $1,226.09 9035822 $140,000.00 5.595% 2.6957% $3,773.91 9038930 $407,593.83 5.720% 0.5217% $2,126.58 9039206 $388,603.40 5.595% 2.6957% $10,475.40 9040822 $72,000.00 5.470% 4.8696% $3,506.09 9041064 $148,000.00 5.595% 2.6957% $3,989.57 9041146 $285,000.00 5.720% 0.5217% $1,486.96 9041326 $119,200.00 5.720% 0.5217% $621.91 Wednesday, February 18, 2004 Page 3 of 5 9041548 $435,500.00 5.720% 0.5217% $2,272.17 9042546 $121,878.55 5.720% 0.5217% $635.89 9043298 $186,913.74 5.720% 0.5217% $975.20 9044506 $366,782.45 5.720% 0.5217% $1,913.65 9044932 $187,000.00 5.595% 2.6957% $5,040.87 9048272 $276,717.59 5.595% 2.6957% $7,459.34 9052410 $113,500.00 5.720% 0.5217% $592.17 9052444 $106,400.00 5.720% 0.5217% $555.13 9052496 $96,000.00 5.595% 2.6957% $2,587.83 9052568 $159,000.00 5.720% 0.5217% $829.57 9052762 $200,000.00 5.720% 0.5217% $1,043.48 9053382 $71,926.59 5.595% 2.6957% $1,938.89 9053514 $474,504.07 5.470% 4.8696% $23,106.29 9053526 $447,105.79 5.720% 0.5217% $2,332.73 9053530 $384,213.03 5.595% 2.6957% $10,357.05 9053532 $448,039.38 5.595% 2.6957% $12,077.58 9053540 $473,271.25 5.470% 4.8696% $23,046.25 9053542 $361,853.49 5.220% 9.2174% $33,353.45 9053548 $552,436.20 5.595% 2.6957% $14,891.76 9053552 $443,536.44 5.470% 4.8696% $21,598.30 9053554 $414,576.89 5.595% 2.6957% $11,175.55 9053558 $599,402.70 5.720% 0.5217% $3,127.32 9053560 $379,603.25 5.470% 4.8696% $18,485.03 9053566 $443,547.32 5.595% 2.6957% $11,956.49 9053570 $366,616.83 5.470% 4.8696% $17,852.65 9053590 $431,548.97 5.470% 4.8696% $21,014.56 9053600 $414,586.87 5.720% 0.5217% $2,163.06 9053656 $359,632.96 5.595% 2.6957% $9,694.45 9053660 $454,536.10 5.595% 2.6957% $12,252.71 9053674 $548,848.79 5.470% 4.8696% $26,726.55 9054622 $270,000.00 5.470% 4.8696% $13,147.83 9054730 $649,000.00 5.720% 0.5217% $3,386.09 9054786 $180,000.00 5.720% 0.5217% $939.13 9054850 $228,000.00 5.595% 2.6957% $6,146.09 9054982 $84,000.00 5.595% 2.6957% $2,264.35 9055740 $86,808.83 5.470% 4.8696% $4,227.21 9056184 $543,458.45 5.720% 0.5217% $2,835.44 9060250 $83,914.36 5.595% 2.6957% $2,262.04 9060380 $108,400.00 5.720% 0.5217% $565.57 9061078 $597,390.31 5.595% 2.6957% $16,103.56 9061254 $480,000.00 5.720% 0.5217% $2,504.35 9063618 $379,621.70 5.720% 0.5217% $1,980.64 9065462 $64,000.00 5.720% 0.5217% $333.91 9065982 $105,800.00 5.595% 2.6957% $2,852.00 9068070 $232,000.00 5.720% 0.5217% $1,210.43 9068142 $272,000.00 5.720% 0.5217% $1,419.13 9068172 $96,500.00 5.595% 2.6957% $2,601.30 9068260 $167,680.00 5.720% 0.5217% $874.85 9068296 $320,000.00 5.595% 2.6957% $8,626.09 9068302 $213,200.00 5.720% 0.5217% $1,112.35 9068372 $333,700.00 5.595% 2.6957% $8,995.39 9068410 $644,800.00 5.470% 4.8696% $31,398.96 9068526 $385,000.00 5.595% 2.6957% $10,378.26 9068532 $260,000.00 5.595% 2.6957% $7,008.70 9068544 $445,000.00 5.470% 4.8696% $21,669.57 9069578 $156,000.00 5.595% 2.6957% $4,205.22 9069810 $294,000.00 5.720% 0.5217% $1,533.91 Wednesday, February 18, 2004 Page 4 of 5 9069926 $148,800.00 5.720% 0.5217% $776.35 9071934 $132,300.00 5.720% 0.5217% $690.26 9072006 $505,000.00 5.595% 2.6957% $13,613.04 9074738 $480,000.00 5.720% 0.5217% $2,504.35 9075384 $59,000.00 5.720% 0.5217% $307.83 9077022 $255,000.00 5.595% 2.6957% $6,873.91 9077040 $119,250.00 5.595% 2.6957% $3,214.57 9077046 $182,000.00 5.595% 2.6957% $4,906.09 9077058 $76,000.00 5.720% 0.5217% $396.52 9077106 $94,400.00 5.720% 0.5217% $492.52 9077206 $195,000.00 5.595% 2.6957% $5,256.52 9077434 $317,500.00 5.470% 4.8696% $15,460.87 9077608 $284,400.00 5.595% 2.6957% $7,666.43 9078126 $276,500.00 5.595% 2.6957% $7,453.48 9078658 $270,000.00 5.720% 0.5217% $1,408.70 9078716 $233,000.00 5.720% 0.5217% $1,215.65 9081196 $228,000.00 5.595% 2.6957% $6,146.09 9081218 $129,300.00 5.720% 0.5217% $674.61 9081286 $550,000.00 5.720% 0.5217% $2,869.57 9082648 $149,351.17 5.720% 0.5217% $779.22 9082956 $205,000.00 5.720% 0.5217% $1,069.57 9083888 $118,400.00 5.720% 0.5217% $617.74 9083932 $136,800.00 5.595% 2.6957% $3,687.65 9083948 $188,000.00 5.720% 0.5217% $980.87 9084290 $61,000.00 5.595% 2.6957% $1,644.35 9084604 $358,000.00 5.720% 0.5217% $1,867.83 9084730 $201,800.00 5.720% 0.5217% $1,052.87 9084936 $207,200.00 5.595% 2.6957% $5,585.39 9086668 $385,000.00 5.720% 0.5217% $2,008.70 9090490 $64,400.00 5.720% 0.5217% $336.00 9090576 $380,000.00 5.720% 0.5217% $1,982.61 9091096 $228,000.00 5.595% 2.6957% $6,146.09 9096312 $70,700.00 5.470% 4.8696% $3,442.78 9096604 $102,000.00 5.470% 4.8696% $4,966.96 Wednesday, February 18, 2004 Page 5 of 5
62 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, in the aggregate and for each Loan Group; (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) for all Loan Groups together and for each Loan Group separately, 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) for all Loan Groups together and for each Loan Group separately, the number, aggregate principal balance and book value of any REO Properties; (x) the aggregate Accrued Certificate Interest remaining unpaid, if any, for each Class of Certificates, after giving effect to the distribution made on such Distribution Date; (xi) the Special Hazard Amount, Fraud Loss Amount and Bankruptcy Amount as of the close of business on such Distribution Date and a description of any change in the calculation of such amounts; (xii) the weighted average Pool Strip Rate for such Distribution Date and the Pass-Through Rate with respect to the Class A-V Certificates and each Subclass, if any, thereof; (xiii) the Pass-Through Rates on the Floater Certificates and Inverse Floater Certificates for such Distribution Date, separately identifying LIBOR for such Distribution Date; (xiv) the Notional Amount with respect to each class of Interest Only Certificates and each Subclass Notional Amount; (xv) the occurrence of the Credit Support Depletion Date; (xvi) the related Senior Accelerated Distribution Percentage applicable to such distribution; (xvii) the related Senior Percentage for such Distribution Date; (xviii) for all Loan Groups together and for each Loan Group separately, the aggregate amount of Realized Losses for such Distribution Date; (xix) for all Loan Groups together and for each Loan Group separately, the aggregate amount of any recoveries on previously foreclosed loans from Sellers due to a breach of a representation or warranty assigned to the Trustee pursuant to Section 2.04; (xx) for all Loan Groups together and for each Loan Group separately, the weighted average remaining term to maturity of the Mortgage Loans after giving effect to the amounts distributed on such Distribution Date; and (xxi) for all Loan Groups together and for each Loan Group separately, 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