EX-10 2 qs3ssfinal.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 MARCH 1, 2005, TO STANDARD TERMS OF POOLING AND SERVICING AGREEMENT dated as of August 1, 2004 Mortgage Asset-Backed Pass-Through Certificates Series 2005-QS3 =============================================================================== Article I DEFINITIONS....................................................................4 Section 1.01. Definitions..........................................................4 Section 1.02. Use of Words and Phrases............................................31 Section 1.03. Determination of LIBOR..............................................32 Article II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES...........................................................34 Section 2.01. Conveyance of Mortgage Loans.......................................34 Section 2.02. Acceptance by Trustee. (See Section 2.02 of the Standard Terms)...............................................................35 Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Company......................................35 Section 2.04. Representations and Warranties of Sellers............................39 Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates Evidencing Interests in REMIC I and REMIC II............39 Section 2.06. Conveyance of Uncertificated REMIC I Regular Interests and REMIC II Regular Interests; Acceptance by the Trustee................39 Section 2.07. Issuance of Certificates Evidencing Interests in REMIC III...........39 Section 2.08. Purposes and Powers of the Trust (See Section 2.08 of the Standard Terms)......................................................39 Article III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS................................40 Article IV PAYMENTS TO CERTIFICATEHOLDERS.................................................41 Section 4.01. Certificate Account. (See Section 4.01 of the Standard Terms) .....41 Section 4.02. Distributions. ......................................................41 Section 4.03. Statements to Certificateholders; Statements to the Rating Agencies; Exchange Act Reporting (See Section 4.03 of the Standard Terms)......................................................52 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)......................................................52 Section 4.05. Allocation of Realized Losses. ......................................52 Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property. (See Section 4.06 of the Standard Terms).............................54 Section 4.07. Optional Purchase of Defaulted Mortgage Loans. (See Section 4.07 of the Standard Terms)..........................................54 Section 4.08. Surety Bond. (See Section 4.08 of the Standard Terms)................54 Section 4.09. Reserve Fund.........................................................54 i Article V THE CERTIFICATES................................................................56 Article VI THE COMPANY AND THE MASTER SERVICER..........................................57 Article VII DEFAULT......................................................................58 Article VIII CONCERNING THE TRUSTEE.......................................................59 Article IX TERMINATION..................................................................60 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................................................60 Section 9.02. Additional Termination Requirements..................................60 Section 9.03. Termination of Multiple REMICs.......................................60 Article X REMIC PROVISIONS............................................................61 Section 10.01.REMIC Administration. (See Section 10.01 of the Standard Terms).....61 Section 10.02.Master Servicer; REMIC Administrator and Trustee Indemnification. (See Section 10.02 of the Standard Terms)..........61 Section 10.03.Designation of REMICs................................................61 Section 10.04.Distributions on the Uncertificated REMIC I and REMIC II Regular Interests....................................................61 Section 10.05.Compliance with Withholding Requirements.............................61 Article XI MISCELLANEOUS PROVISIONS......................................................65 Section 11.01.Amendment. (See Section 11.01 of the Standard Terms)................65 Section 11.02.Recordation of Agreement; Counterparts. (See Section 11.02 of the Standard Terms)..................................................65 Section 11.03.Limitation on Rights of Certificateholders. (See Section 11.03 of the Standard Terms)...............................................65 Section 11.04.Governing Laws. (See Section 11.04 of the Standard Terms)...........65 Section 11.05.Notices..............................................................65 Section 11.06.Required Notices to Rating Agency and Subservicer. (See Section 11.06 of the Standard Terms).................................66 Section 11.07.Severability of Provisions. (See Section 11.07 of the Standard Terms)...............................................................66 ii Section 11.08.Supplemental Provisions for Resecuritization. (See Section 11.08 of the Standard Terms).........................................66 Section 11.09.Allocation of Voting Rights..........................................66 Section 11.10.No Petition..........................................................66
iii EXHIBITS Exhibit One-I: Mortgage Loan Schedule (Sub-Group I-1 Loans) Exhibit One-II: Mortgage Loan Schedule (Sub-Group I-2 Loans) Exhibit One-III: Mortgage Loan Schedule (Group II Loans) Exhibit Two-I: Schedule of Discount Fractions for Sub-Group I-1 Loans Exhibit Two-II: Schedule of Discount Fractions for Group II Loans Exhibit Three: Information to be Included in Monthly Distribution Date Statement Exhibit Four: Standard Terms of Pooling and Servicing Agreement Dated as of August 1, 2004 iv This is a Series Supplement, dated as of March 1, 2005 (the "Series Supplement"), to the Standard Terms of Pooling and Servicing Agreement, dated as of August 1, 2004 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 defined herein. 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 three 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 Fitch/ Pass-Through Certificate Maturity ----------------- Minimum Designation Rate Principal Balance Features1 Date Moody's/S&P Denominations2 Class I-A1-1 5.50% $88,912,100.00 Senior/Fixed Rate March 25, 2035 AAA/Aaa/NA $25,000.00 Class I-A1-2 5.50% $10,000,000.00 Senior/Fixed Rate March 25, 2035 AAA/Aaa/NA $25,000.00 Class I-A1-3 5.50% $10,990,200.00 Senior/Lockout/Fixed Rate March 25, 2035 AAA/Aaa/NA $25,000.00 Senior/Super Adjustable3 $167,418,000.00 Senior/Floater/Adjustable Class I-A2-1 Rate Rate March 25, 2035 AAA/Aaa/AAA $25,000.00 Senior/Interest Adjustable3 Only/Inverse Class I-A2-2 Rate $0.00(4) Floater/Adjustable Rate March 25, 2035 AAA/Aaa/NA $2,000,000.00 $24,048,000.00 Class I-A2-3 5.50% Senior/Lockout/Fixed Rate March 25, 2035 AAA/Aaa/NA $25,000.00 Senior/Super Class I-A2-4 5.50% $41,338,100.00 Senior/Lockout/Fixed Rate March 25, 2035 AAA/Aaa/NA $25,000.00 Senior/Senior Support/ Class I-A2-5 5.50% $1,947,900.00 Lockout/Fixed Rate March 25, 2035 AAA/Aa1/NA $25,000.00 Adjustable $5,725,700.00 Senior/Senior Support/ Class I-A2-6 Rate3 Floater/Adjustable Rate March 25, 2035 AAA/Aa1/NA $25,000.00 March 25, 2020 Class II-A-1 5.00% $100,604,000.00 Senior/Fixed Rate March 25, 2020 AAA/Aaa/NA $25,000.00 Class I-A-P 0.00% $781,468.00 Senior/Principal Only AAA/Aaa/NA $25,000.00 March 25, 2035 Class I-A-V Variable $0.00 Senior/Interest AAA/Aaa/NA $2,000,000.00 Rate1 Only/Variable Rate March 25, 2035 Class II-A-P 0.00% $205,934.00 Senior/Principal Only March 25, 2020 AAA/Aaa/NA $25,000.00 Class II-A-V Variable $0.00 Senior/Interest March 25, 2020 AAA/Aaa/NA $2,000,000.00 Rate2 Only/Variable Rate Class R-I 5.50% $100.00 Senior/Residual/Fixed Rate March 25, 2035 AAA/Aaa/NA (3) Class R-II 5.00% $100.00 Senior/Residual/Fixed Rate March 25, 2020 AAA/Aaa/NA (7) Class R-III 5.50% $100.00 Senior/Residual/Fixed Rate March 25, 2035 AAA/Aaa/NA (7) Class I-M-1 5.50% $10,590,600.00 Mezzanine/Fixed Rate March 25, 2035 AA/NA/NA $25,000.00 Class I-M-2 5.50% $3,344,400.00 Mezzanine/Fixed Rate March 25, 2035 A/NA/NA $250,000.00 Class I-M-3 5.50% $1,858,000.00 Mezzanine/Fixed Rate March 25, 2035 BBB/NA/NA $250,000.00 Class II-M-1 5.00% $2,235,600.00 Mezzanine/Fixed Rate March 25, 2020 AA/NA/NA $25,000.00 Class II-M-2 5.00% $208,000.00 Mezzanine/Fixed Rate March 25, 2020 A/NA/NA $250,000.00 Class II-M-3 5.00% $312,000.00 Mezzanine/Fixed Rate March 25, 2020 BBB/NA/NA $250,000.00 Class I-B-1 5.50% $1,858,000.00 Subordinate/Fixed Rate March 25, 2035 BB/NA/NA $250,000.00 Class I-B-2 5.50% $1,114,800.00 Subordinate/Fixed Rate March 25, 2035 B/NA/NA $250,000.00 Class I-B-3 5.50% $1,672,286.00 Subordinate/Fixed Rate March 25, 2035 NA/NA/NA $250,000.00 Class II-B-1 5.00% $156,000.00 Subordinate/Fixed Rate March 25, 2020 BB/NA/NA (2) Class II-B-2 5.00% $104,000.00 Subordinate/Fixed Rate March 25, 2020 B/NA/NA (2) Class II-B-3 5.00% $156,040.00 Subordinate/Fixed Rate March 25, 2020 NA/NA/NA (2)
-------- 1 The Certificates, other than the Class B and Class R Certificates, shall be Book-Entry Certificates. The Class B and Class R Certificates shall be delivered to the holders thereof in physical form. 2 The Certificates, other than the 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 I-A-P, Class II-A-P, Class I-B-1, Class I-B-2, Class I-B-3, Class II-B-1, Class II-B-2 and Class II-B-3 Certificates) in excess thereof, except that one Certificate of any of the Class I-A-P, Class II-A-P, Class I-B-1, Class I-B-2, Class I-B-3, Class II-B-1, Class II-B-2 and Class II-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 (or in the case of the Class II-B-1, Class II-B-2 and Class II-B-3 Certificates in minimum original denominations equal to the initial Certificate Principal Balance of such Certificate) 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 I-A2-1 Certificates 3.35% LIBOR + 0.50% Subject to the 0.50% Available Funds Cap Class I-A2-2 Certificates 2.15% 5.00% - LIBOR 5.00% 0.00% Class I-A2-6 Certificates 3.35% LIBOR + 0.50% Subject to the 0.50% Available Funds Cap The Class I-A2-1 and Class I-A2-6 Certificates will represent ownership of the REMIC II together with certain rights to payments to be made from amounts received under the Yield Maintenance Agreement which will be deemed made for federal income tax purposes outside of REMIC II by the Underwriter, as the owner of the Yield Maintenance Agreement. 4 The Class I-A2-2 Certificates do not have a principal balance. For the purpose of calculating interest payments, interest on the Class I-A2-2 Certificates will accrue on a notional amount equal to aggregate Certificate Principal Balance of the Class I-A2-1 and Class I-A2-6 Certificates immediately prior to the related Distribution Date. 2 5 The initial Pass-Through Rate on the Class I-A-V Certificates is 0.4059%. 6 The initial Pass-Through Rate on the Class II-A-V Certificates is 0.4051%. 7 Each class of the Class R Certificates shall be issuable in minimum denominations of not less than a 20% Percentage Interest; provided, however, that one Class R Certificate of each Class will be issuable to Residential Funding as "tax matters person" pursuant to Section 10.01(c) and (e) in a minimum denomination representing a Percentage Interest of not less than 0.01%. The Group I Loans have an aggregate principal balance as of the Cut-off Date of $371,599,754. The Group II Loans have an aggregate principal balance as of the Cut-off Date of $103,981,675. 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. 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 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 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 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 on the Mortgage Loans in the related Loan Group and were not allocated solely to one or more specific Classes of Certificates pursuant to Section 4.05, and (iv) any other interest shortfalls not covered by the subordination provided by the related Class M Certificates and related Class B Certificates, including interest that is not collectible from the Mortgagor pursuant to the Servicemembers Civil Relief Act, as amended, or similar legislation or regulations as in effect from time to time, all allocated as described below. The Class I-A1 Percentage of these reductions with respect to the Sub-Group I-1 Loans, will be allocated among the Holders of the Class I-A-V, Sub-Group I-1 Senior, Class R-I and Class R-III Certificates, in proportion to the amounts of Accrued Certificate Interest that would have been payable to those Certificates from the Sub-Group I-1 Loans on that Distribution Date absent such reductions. The Class I-A2 Percentage of these reductions with respect to the Sub-Group I-2 Loans will be allocated among the Holders of the Class I-A-V Certificates and Sub-Group I-2 Senior Certificates, in proportion to the amounts of Accrued Certificate Interest that would have been payable to those Certificates from the Sub-Group I-2 Loans on that Distribution Date absent such reductions. The Class 4 II-A Percentage of these reductions with respect to the Group II Loans will be allocated among the Holders of the Group II Senior Certificates, other than the Class II-A-P Certificates, in proportion to the amounts of Accrued Certificate Interest that would have been payable to those Certificates from the Group II Loans on that Distribution Date absent such reductions. The remainder of all such reductions will be allocated among the Holders of the related Class M Certificates and related 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. Adjustable Rate Certificates: Any of the Class I-A2-1, the Class I-A2-2 and the Class I-A2-6 Certificates. Aggregate Available Distribution Amount: With respect to a Distribution Date, the sum of the Available Distribution Amounts for both Sub-Loan Groups for such Distribution Date. Aggregate Senior Interest Distribution Amount: With respect to a Distribution Date, the sum of the Senior Interest Distribution Amounts for both Sub-Loan Groups for such Distribution Date. Aggregate Senior Principal Distribution Amount: With respect to a Distribution Date, the sum of the Senior Principal Distribution Amounts for both Sub-Loan Groups for such Distribution Date. Available Distribution Amount: As to any Distribution Date and each Loan Group or Sub-Loan Group, as applicable, 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 and any additional amounts to 5 be included with respect to such Sub-Loan Group, as applicable, pursuant to Section 4.02(j), 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 in the related Loan Group or Sub-Loan Group, as applicable, pursuant to clauses (ii)-(x), inclusive, of Section 3.10(a). Available Funds Cap: With respect to any Distribution Date on or before the Distribution Date in July 2010 and the Class I-A2-1 Certificates or the Class I-A2-6 Certificates, as applicable, 5.50% per annum, plus amounts, if any, paid pursuant to the Yield Maintenance Agreement and allocated to that Class of Certificates, expressed as a per annum rate. With respect to any Distribution Date after July 2010 and the Class I-A2-1 Certificates or the Class I-A2-6 Certificates, 5.50% per annum. Bankruptcy Amount: With respect to each Loan Group 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) $156,694, in the case of Loan Group I, and $150,000, in the case of Loan Group II, over (B) the aggregate amount of Bankruptcy Losses allocated solely to one or more specific Classes of Certificates in the related Certificate Group 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 related 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 in the related Loan Group as of the Relevant Anniversary is less than 10% of the Stated Principal Balance of the Mortgage Loans in the related Loan Group as of the Relevant Anniversary, $0.00, or (ii) if the aggregate principal balance of the Non-Primary Residence Loans in the related Loan Group as of the Relevant Anniversary is equal to or greater than 10% of the Stated Principal Balance of the Mortgage Loans in the related Loan Group as of the Relevant Anniversary, the sum of (I) the aggregate principal balance of the Non-Primary Residence Loans in the related Loan Group 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 in the related Loan Group 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 in the related Loan Group with a Loan-to-Value Ratio of greater than 95.00% (other than Additional Collateral Loans) times 0.75%, in each case as of the Relevant Anniversary; and (B) the greater of (i) the product of (x) an amount equal to the largest difference in the related Monthly Payment for any Non-Primary Residence Loan remaining in the related Loan Group (other than Additional Collateral Loans) which had an original Loan-to-Value Ratio of 80% or greater that would result if the Net Mortgage Rate thereof was equal to the weighted average (based on the principal balance of the Mortgage Loans in the related Loan Group as of the Relevant Anniversary) of the Net 6 Mortgage Rates of all Mortgage Loans in the related Loan Group as of the Relevant Anniversary less 1.25% per annum, (y) a number equal to the weighted average remaining term to maturity, in months, of all Non-Primary Residence Loans remaining in the related Loan Group as of the Relevant Anniversary, and (z) one plus the quotient of the number of all Non-Primary Residence Loans remaining in the related Loan Group divided by the total number of Outstanding Mortgage Loans in the related Loan Group as of the Relevant Anniversary, and (ii) $50,000, over (2) the aggregate amount of Bankruptcy Losses on Mortgage Loans in the related Loan Group allocated solely to one or more specific Classes of related Certificates in accordance with Section 4.05 since the Relevant Anniversary. The Bankruptcy Amount for each Loan Group 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 related 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 or Sub-Loan Group, as applicable, the amount of Advances or Servicing Advances that were added to the Stated Principal Balance of the Mortgage Loans in such Loan Group or Sub-Loan Group, as applicable, 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 related 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, or Sub-Loan Group, as applicable, 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 or Sub-Loan Group, as applicable, 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 or Sub-Loan Group and Distribution Date. Certificate: Any Class I-A1-1, Class I-A1-2, Class I-A1-3, Class I-A2-1, Class I-A2-2, Class I-A2-3, Class I-A2-4, Class I-A2-5, Class I-A2-6, Class I-A-V, Class I-A-P, Class II-A-1, Class II-A-V, Class II-A-P, Class R-I, Class R-II, Class R-III, Class I-M-1, Class I-M-2, Class I-M-3, Class II-M-1, Class II-M-2, Class II-M-3, Class I-B-1, Class I-B-2, Class I-B-3, Class II-B-1, Class II-B-2 and Class II-B-3 Certificates. 7 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 2005-QS3" and which must be an Eligible Account. Certificate Group: With respect to (i) Loan Group I, the Group I Senior, Class I-M, Class I-B-1, Class I-B-2 and Class I-B-3 Certificates; and (ii) Loan Group II, the Group II Senior, Class II-M, Class II-B-1, Class II-B-2 and Class II-B-3 Certificates. Certificate Policy: None. 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, minus (iii) 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 in the related Certificate Group then outstanding over (B) the then aggregate Stated Principal Balance of the Mortgage Loans in the related Loan Group. Certificate Sub-Group: With respect to (i) Sub-Loan Group I-1, the Sub-Group I-1 Senior, Class R-I and Class R-III Certificates; and (ii) Sub-Loan Group I-2, the Sub-Group I-2 Senior Certificates. 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 extent to which the amount described in clause (C)(1) of the definition of Class A-P Principal Distribution Amount for such Loan Group or Sub-Loan Group, as applicable, is less than 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 or Sub-Loan Group, as applicable, an amount equal to the aggregate of: 8 (A) the related Discount Fraction of the principal portion of each Monthly Payment on each Discount Mortgage Loan in the related Loan Group or Sub-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 or Sub-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 Sub-Loan Group (or, in the case of a substitution of a Deleted Mortgage Loan in the related Loan Group or Sub-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 or Sub-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 (F) the related Discount Fraction of the portion of the Capitalization Reimbursement Amount for the related Loan Group or Sub-Loan Group for such Distribution Date, if any, related to each Discount Mortgage Loan in the related Loan Group or Sub-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 or Sub-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 or Sub-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. 9 Class A-P Certificates: The Class I-A-P Certificates and Class II-A-P Certificates, which relate to and are payable from the Group I Loans and Group II Loans, respectively. Class A-V Certificates: The Class I-A-V Certificates and Class II-A-V Certificates, which relate to and are payable from the Group I Loans and Group II Loans, respectively. Class B Certificates: The Class I-B-1, Class I-B-2, Class I-B-3, Class II-B-1, Class II-B-2 and Class II-B-3 Certificates. The Class I-B-1, Class I-B-2 and Class I-B-3 Certificates relate to and are payable from the Group I Loans. The Class II-B-1, Class II-B-2 and Class II-B-3 Certificates relate to and are payable from the Group II Loans. Class M Certificates: The Class I-M-1, Class I-M-2, Class I-M-3 Certificates, which relate to and are payable from the Group I Loans, and the Class II-M-1, Class II-M-2 and Class II-M-3 Certificates, which relate to and are payable from the Group II Loans. Class R Certificate: Any one of the Class R-I, Class R-II and Class R-III 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. Class R-III Certificate: Any one of the Class R-III 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 III for purposes of the REMIC Provisions. Class I-A1 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 Sub-Group I-1 Senior, Class R-I and Class R-III 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 Sub-Loan Group I-1 immediately prior to such Distribution Date. Class I-A2 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 Sub-Group I-2 Senior 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) in Sub-Loan Group I-2 immediately prior to such Distribution Date. 10 Class I-M Certificates: The Class I-M-1, Class I-M-2 and Class I-M-3 Certificates. Class II-A 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 Group II Senior Certificates (other than the Class II-A-P Certificates) immediately prior to such Distribution Date and the denominator of which is the aggregate Stated Principal Balance of all of the Mortgage Loans (or related REO Properties) (other than the related Discount Fraction of each Discount Mortgage Loan) in Loan Group II immediately prior to such Distribution Date. Class II-M Certificates: The Class II-M-1, Class II-M-2 and Class II-M-3 Certificates. Closing Date: March 30, 2005. Compensating Interest: With respect to any Distribution Date and each Loan Group or Sub-Loan Group, as applicable, 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 the such Loan Group or Sub-Loan Group, as applicable, on such Distribution Date, but not more than the lesser of (a) one-twelfth of 0.125% of the aggregate Stated Principal Balance of the Mortgage Loans in the related Loan Group or Sub-Loan Group, as applicable, 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 the Mortgage Loans in the related Loan Group or Sub-Loan Group, as applicable, and 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. 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 2005-QS3. Credit Support Depletion Date: With respect to Loan Group I, the first Distribution Date on which the Certificate Principal Balances of the Class I-M, Class I-B-1, Class I-B-2 and Class I-B-3 Certificates have been reduced to zero. With respect to Loan Group II, the first Distribution Date on which the Certificate Principal Balances of the Class II-M, Class II-B-1, Class II-B-2 and Class II-B-3 Certificates have been reduced to zero. Credit Repository: Equifax, Transunion and Experian, or their successors in interest. Cut-off Date: March 1, 2005. Determination Date: With respect to any Distribution Date, the second Business Day prior to each Distribution Date. 11 Discount Net Mortgage Rate: With respect to Loan Group I, 5.50% per annum. With respect to Loan Group II, 5.00% per annum. Due Period: With respect to each Distribution Date, the calendar month in which such Distribution Date occurs. 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 U.S. Bank, 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 assigned to any Class of Certificates by such Rating Agency below the then-current rating assigned to such Certificates by such Rating Agency). Eligible Funds: With respect to any Distribution Date and Loan Group, an amount equal to the excess of (a) the Available Distribution Amount for such Loan Group or the Aggregate Available Distribution Amount, as applicable, over (b) the sum of (i) the aggregate amount of Accrued Certificate Interest on the related Senior Certificates or the Aggregate Senior Interest Distribution Amount, as applicable, (ii) the related Senior Principal Distribution Amount or Aggregate Senior Principal Distribution Amount, as applicable, (determined without regard to Section 4.02(a)(ii)(Y)(D) hereof), (iii) the related Class A-P Principal Distribution Amount for both Sub-Loan Groups or Loan Group II, as applicable (determined without regard to clause (E) of the definition of Class A-P Principal Distribution Amount) and (iv) the aggregate amount of Accrued Certificate Interest on the Class I-M, Class I-B-1 and Class I-B-2 Certificates, or the Class II-M, Class II-B-1 and Class II-B-2 Certificates, as applicable. Excess Subordinate Principal Amount: With respect to any Distribution Date on which the aggregate Certificate Principal Balance of the Class of Subordinate Certificates in the Certificate Group related to a Loan Group 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 with respect to that 12 Loan Group pursuant to clause (E) of the definition of Class A-P Principal Distribution Amount. The Excess Subordinate Principal Amount will be allocated between the Sub-Loan Groups in Loan Group I on a pro rata basis in accordance with the amount of Realized Losses on the Mortgage Loans in each Sub-Loan Group allocated to the Certificates on that Distribution Date. Fraud Loss Amount: With respect to each Loan Group 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% (in the case of Group I Loans) or 2.25% (in the case of Group II Loans) of the aggregate outstanding principal balance of the Mortgage Loans in the related Loan Group as of the Cut-off Date minus the aggregate amount of Fraud Losses allocated solely to one or more specific Classes of related 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 for such Loan Group as of the most recent anniversary of the Cut-off Date and (b) 2.00% (in the case of Group I Loans) or 1.50% (in the case of Group II Loans) of the aggregate outstanding principal balance of all of the Mortgage Loans in the related Loan Group 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 related 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 for the related Loan Group 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 in the related Loan Group as of the most recent anniversary of the Cut-off Date minus (2) the aggregate amount of Fraud Losses for the related Loan Group 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 for such Loan Group shall be zero. The Fraud Loss Amount for a Loan Group 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 related 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. Group I Loans: The Mortgage Loans designated on the Mortgage Loan Schedule as Sub-Group I-1 Loans and Sub-Group I-2 Loans. Group II Loans: The Mortgage Loans designated on the Mortgage Loan Schedule as Group II Loans. Group I Senior Certificates: The Class I-A1-1, Class I-A1-2, Class I-A1-3, Class I-A2-1, Class I-A2-2, Class I-A2-3, Class I-A2-4, Class I-A2-5, Class I-A2-6, Class I-A-V, Class I-A-P, Class R-I and Class R-III Certificates. 13 Group II Senior Certificates: The Class II-A-1, Class II-A-V, Class II-A-P and Class R-II Certificates, which relate to and payable from the Group II Loans. Highest Priority: As of any date of determination, the Class of related 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: (a) for the Subordinate Certificates related to Loan Group I, Class I-M-1, Class I-M-2, Class I-M-3, Class I-B-1, Class I-B-2 and Class I-B-3 Certificates and (b) for the Subordinate Certificates related to Loan Group II, Class II-M-1, Class II-M-2, Class II-M-3, Class II-B-1, Class II-B-2 and Class II-B-3 Certificates. Initial Monthly Payment Fund: $0.00, representing scheduled principal amortization and interest at the Net Mortgage Rate payable during the April 2005 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 I-A-V Certificates, the aggregate Cut-off Date Principal Balance of the Group I Loans; with respect to the Class II-A-V Certificates, the aggregate Cut-off Date Principal Balance of the Group II Loans; and with respect to the Class I-A2-2 Certificates, an amount equal to the aggregate Certificate Principal Balance of the Class I-A2-1 and Class I-A2-6 Certificates as of the Cut-Off Date. With respect to any Subclass issued pursuant to Section 5.01(c), the aggregate Stated Principal Balance of the Mortgage Loans corresponding to such Subclass as of the Cut-Off Date. Initial Subordinate Class Percentage: With respect to each Class of related Subordinate Certificates, an amount which is equal to the initial aggregate Certificate Principal Balance of such related Class of Subordinate Certificates divided by the aggregate Stated Principal Balance of all the Mortgage Loans in the related Loan Group as of the Cut-off Date as follows: Class I-M-1: 2.85% Class I-B-1: 0.50% Class I-M-2: 0.90% Class I-B-2: 0.30% Class I-M-3: 0.50% Class I-B-3: 0.45% Class II-M-1: 2.15% Class II-B-1: 0.15% Class II-M-2: 0.20% Class II-B-2: 0.10% Class II-M-3: 0.30% Class II-B-3: 0.15% Interest Accrual Period: With respect to any Class of Certificates, other than the Adjustable Rate Certificates, and any Distribution Date, the calendar month preceding the month in which such Distribution Date occurs. The Interest Accrual Period for the Adjustable Rate Certificates is the one-month period commencing on the 25th day of the month preceding the month in which the Distribution Date occurs and ending on the 24th day of the month in which the Distribution Date occurs. Interest Only Certificates: Any one of the Class I-A-V, Class II-A-V and Class I-A2-2 Certificates. The Interest Only Certificates will have no Certificate Principal Balance. 14 LIBOR: With respect to any Distribution Date, the arithmetic mean of the London interbank offered rate quotations for one-month U.S. Dollar deposits, expressed on a per annum basis, determined in accordance with Section 1.03. Loan Group: Any of Loan Group I or Loan Group II. Loan Group I: The group of Mortgage Loans comprised of the Group I Loans. Loan Group II: The group of Mortgage Loans comprised of the Group II Loans. Lockout Percentage: For any Distribution Date occurring prior to the Distribution Date in April 2010, 0%, and for any Distribution Date thereafter, as follows: 30% for any Distribution Date on or after April 2010 and prior to April 2011; 40% for any Distribution Date on or after April 2011 and prior to April 2012; 60% for any Distribution Date on or after April 2012 and prior to April 2013; 80% for any Distribution Date on or after April 2013 and prior to April 2014; and 100% for any Distribution Date thereafter. Lockout Share Percentage: For any distribution date, is the product of (i) the Lockout Percentage and (ii) a fraction the numerator of which is the sum of the aggregate Certificate Principal Balance of the Class I-A2-4 Certificates, the Class I-A2-5 Certificates and $35,000,000, and the denominator of which is the sum of the Certificate Principal Balance of the Class I-A2-1, Class I-A2-4, Class I-A2-5 and Class I-A2-6 Certificates. Lower Priority: As of any date of determination and any Class of Subordinate Certificates, any other Class of related 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 related 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: (a) for the Subordinate Certificates related to Loan Group I, Class I-B-3, Class I-B-2, Class I-B-1, Class I-M-3, Class I-M-2 and Class I-M-1 Certificates and (b) for the Subordinate Certificates related to Loan Group II, Class II-B-3, Class II-B-2, Class II-B-1, Class II-M-3, Class II-M-2 and Class II-M-1 Certificates . Maturity Date: With respect to Certificates in the Certificate Group related to Loan Group I, March 25, 2035, the Distribution Date immediately following the latest scheduled maturity date of any Mortgage Loan in Loan Group I. With respect to Certificates in the Certificate Group related to Loan Group II, March 25, 2020, the Distribution Date immediately following the latest scheduled maturity date of any Mortgage Loan in Loan Group II. Mortgage Loan Schedule: The list or lists of the Mortgage Loans attached hereto as Exhibit One-I (with respect to Sub-Loan Group I-1), Exhibit One-II (with respect to Sub-Loan Group I-2) and Exhibit One-III (with respect to Loan Group II) (in each case, 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 in the related Loan Group or Sub-Loan Group, as applicable: 15 (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 I-A2-2 Certificates, an amount equal to the aggregate Certificate Principal Balance of the Class I-A2-1 and Class I-A2-6 Certificates immediately prior to the related Distribution Date; (ii) with respect to any Class I-A-V Certificates or Subclass thereof issued pursuant to Section 5.01(c), the aggregate Stated Principal Balance of the Group I Loans corresponding to the Uncertificated Class A-V REMIC Regular Interests represented by such Class or Subclass immediately prior to such date; and (iii) with respect to any Class II-A-V Certificates or Subclass thereof issued pursuant to Section 5.01(c), the aggregate Stated Principal Balance of the Group II Loans corresponding to the Uncertificated Class A-V REMIC Regular Interests 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 Certificates, Class A-V Certificates and Class A-P Certificates), Class M Certificates and Class B Certificates and any Distribution Date, the per annum rates set forth in the Preliminary Statement hereto. 16 o With respect to the Class I-A2-1 Certificates and the initial Interest Accrual Period, 3.35% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to LIBOR plus 0.50%, subject to a maximum rate equal to the Available Funds Cap and a minimum rate of 0. 50% per annum. o With respect to the Class I-A2-2 Certificates and the initial Interest Accrual Period, 2.15% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 5.00% minus LIBOR, subject to a maximum rate of 5.00% per annum and a minimum rate of 0.00% per annum. o With respect to the Class I-A2-6 Certificates and the initial Interest Accrual Period, 3.35% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to LIBOR plus 0.50%, subject to a maximum rate equal to the Available Funds Cap and a minimum rate of 0.50% per annum. With respect to each Class of 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 in the related Loan Group 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 I-A-V Certificates and the Class II-A-V Certificates and the initial Distribution Date the Pass-Through Rate is equal to 0.4059% and 0.4051% per annum, respectively. 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 in the related Loan Group corresponding to the Uncertificated Class A-V REMIC Regular Interests 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 Class A-P Certificates have no Pass-Through Rate and are not entitled to Accrued Certificate Interest. Pool Strip Rate: With respect to each Mortgage Loan in any Loan Group, 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 for such Loan Group (but not less than 0.00%) per annum. Permitted Investments: One or more of the following: (i) obligations of or guaranteed as to timely payment of 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 short-term debt 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; 17 (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 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 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 a 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) any mutual fund, money market fund, common trust fund or other pooled investment vehicle, the assets of which are limited to instruments that otherwise would constitute Permitted Investments hereunder and have been rated by each Rating Agency in its highest short-term rating available (in the case of Standard & Poor's such rating shall be either AAAm or AAAm-G), including any such fund that is managed by the Trustee or any affiliate of the Trustee or for which the Trustee or any of its affiliates acts as an adviser; 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 (without giving effect to any Certificate Policy (if any) in the case of Insured Certificates (if any)) below the then-current rating, as evidenced in writing; provided, however, that 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 for purposes of this Agreement, any references herein to the highest rating available on unsecured commercial paper and short-term debt obligations shall mean the following: A-1 in the case of Standard & Poor's, P-1 in the case of Moody's and F-1 in the case of Fitch; provided, however, that any Permitted Investment that is a short-term debt obligation rated A-1 by Standard & Poor's must satisfy the 18 following additional conditions: (i) the total amount of debt from A-1 issuers must be limited to the investment of monthly principal and interest payments (assuming fully amortizing collateral); (ii) the total amount of A-1 investments must not represent more than 20% of the aggregate outstanding Certificate Principal Balance of the Certificates and each investment must not mature beyond 30 days; (iii) the terms of the debt must have a predetermined fixed dollar amount of principal due at maturity that cannot vary; and (iv) if the investments may be liquidated prior to their maturity or are being relied on to meet a certain yield, interest must be tied to a single interest rate index plus a single fixed spread (if any) and must move proportionately with that index. Prepayment Assumption: With respect to Sub-Loan Group I-1, the prepayment assumption to be used for determining the accrual of original issue discount and premium and market discount on the related Certificates for federal income tax purposes, which assumes a constant prepayment rate of 6.0% per annum of the then outstanding principal balance of the Sub-Group I-1 Loans in the first month of the life of such Sub-Group I-1 Loans and an additional approximately 1.090909091% 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 Sub-Group I-1 Loans, a constant prepayment rate of 18.0% per annum. With respect to Sub-Loan Group I-2, the prepayment assumption to be used for determining the accrual of original issue discount and premium and market discount on the related 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 Sub-Group I-2 Loans in the first month of the life of such Sub-Group I-2 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 Sub-Group I-2 Loans, a constant prepayment rate of 20.0% per annum. With respect to Loan Group II, the prepayment assumption to be used for determining the accrual of original issue discount and premium and market discount on the related Certificates for federal income tax purposes, which assumes a constant prepayment rate of 6.0% per annum of the then outstanding principal balance of the Group II Loans in the first month of the life of such Group II Loans and an additional approximately 1.090909091% 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 Group II Mortgage Loans, a constant prepayment rate of 18.0% per annum. Prepayment Distribution Percentage: With respect to any Distribution Date and each Class of Subordinate Certificates in the Certificate Group for each Loan Group, under the applicable circumstances set forth below, the respective percentages set forth below: (i) For any Distribution Date prior to the Distribution Date in April 2010 (unless the Certificate Principal Balances of the related Senior Certificates (other than the related 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 related Subordinate Certificates are outstanding: (a) in the case of the Class of related 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 19 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 related Subordinate Certificates then outstanding with the Highest Priority and (2) all other Classes of related Subordinate Certificates for which the respective Prepayment Distribution Triggers have been satisfied; and (b) in the case of each other Class of related Subordinate Certificates for which the Prepayment Distribution Triggers have not been satisfied, 0%; and (iii) Notwithstanding the foregoing, if the application of the foregoing percentages on any Distribution Date as provided in Section 4.02 of this Series Supplement (determined without regard to the proviso to the definition of "Subordinate Principal Distribution Amount") would result in a distribution in respect of principal of any Class or Classes of Subordinate Certificates in an amount greater than the remaining Certificate Principal Balance thereof (any such class, a "Maturing Class"), then: (a) the Prepayment Distribution Percentage of each Maturing Class shall be reduced to a level that, when applied as described above, would exactly reduce the Certificate Principal Balance of such Class to zero; (b) the Prepayment Distribution Percentage of each other Class of Subordinate Certificates (any such Class, a "Non-Maturing Class") shall be recalculated in accordance with the provisions in paragraph (ii) above, as if the Certificate Principal Balance of each Maturing Class had been reduced to zero (such percentage as recalculated, the "Recalculated Percentage"); (c) the total amount of the reductions in the Prepayment Distribution Percentages of the Maturing Class or Classes pursuant to clause (a) of this sentence, expressed as an aggregate percentage, shall be allocated among the Non-Maturing Classes in proportion to their respective Recalculated Percentages (the portion of such aggregate reduction so allocated to any Non-Maturing Class, the "Adjustment Percentage"); and (d) for purposes of such Distribution Date, the Prepayment Distribution Percentage of each Non-Maturing Class shall be equal to the sum of (1) the Prepayment Distribution Percentage thereof, calculated in accordance with the provisions in paragraph (ii) above as if the Certificate Principal Balance of each Maturing Class had not been reduced to zero, plus (2) the related Adjustment Percentage. Prepayment Distribution Trigger: With respect to any Distribution Date and any Class of related Subordinate Certificates (other than the Class I-M-1 Certificates and the Class II-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 related 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) in the related Loan Group 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 related Subordinate Certificates. Principal Only Certificates: Any one of the Class I-A-P Certificates and Class II-A-P Certificates. 20 Record Date: With respect to each Distribution Date and each Class of Certificates, other than the Adjustable Rate Certificates for so long as the Adjustable Rate Certificates are in book-entry form, 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 the Adjustable Rate Certificates and any Distribution Date provided the Adjustable Rate Certificates are in book-entry form, the close of business on the Business Day prior to that 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. As to any Uncertificated REMIC II Regular Interest, those classes of Certificates identified as "Related Classes of Certificates" to such Uncertificated REMIC II Regular Interest in the definition of Uncertificated REMIC II Regular Interest. REMIC I: The segregated pool of assets (exclusive of the Yield Maintenance Agreement, which is not an asset of any REMIC), with respect to which a REMIC election is to be made, consisting of: (i) the Group I Loans and the related Mortgage Files, (ii) all payments and collections in respect of the Group I 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 Group I 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, in each case related to Group I Loans, 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, with respect to which a REMIC election is to be made, consisting of: (i) the Group II Loans and the related Mortgage Files, (ii) all payments and collections in respect of the Group II 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 21 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 Group II 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, in each case related to Group II Loans, and (v) all proceeds of clauses (i) through (iv) above. REMIC II Certificates: The Class R-II Certificates. REMIC III: The segregated pool of assets consisting of the Uncertificated REMIC I Regular Interests and the Uncertificated REMIC II 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 and the Class R-II Certificates) pursuant to Section 2.06, with respect to which a separate REMIC election is to be made. REMIC III Certificates: Any Class of Certificates (other than the Class R-I Certificates and the Class R-II Certificates). Senior Accelerated Distribution Percentage: With respect to any Distribution Date occurring on or prior to the 60th Distribution Date and any Loan Group or Sub-Loan Group, as applicable, 100%. With respect to any Distribution Date thereafter and such Loan Group or Sub-Loan Group, as 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 22 (v) for any Distribution Date thereafter, the related 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 in the related Loan Group delinquent 60 days or more (including Mortgage Loans which are in foreclosure, have been foreclosed or otherwise liquidated, or with respect to which the Mortgagor is in bankruptcy and any REO Property) averaged over the last six months, as a percentage of the aggregate outstanding Certificate Principal Balance of the related Subordinate Certificates, is less than 50% or (Y) the outstanding principal balance of Mortgage Loans in the related Loan Group delinquent 60 days or more (including Mortgage Loans which are in foreclosure, have been foreclosed or otherwise liquidated, or with respect to which the Mortgagor is in bankruptcy and any REO Property) averaged over the last six months, as a percentage of the aggregate outstanding principal balance of all Mortgage Loans in the related Loan Group averaged over the last six months, does not exceed 2% and (2) Realized Losses on the Mortgage Loans in the related Loan Group 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 related Subordinate Certificates; or (b)(1) the outstanding principal balance of Mortgage Loans in the related Loan Group delinquent 60 days or more (including Mortgage Loans which are in foreclosure, have been foreclosed or otherwise liquidated, or with respect to which the Mortgagor is in bankruptcy and any REO Property) averaged over the last six months, as a percentage of the aggregate outstanding principal balance of all Mortgage Loans in the related Loan Group averaged over the last six months, does not exceed 4% and (2) Realized Losses on the Mortgage Loans in the related Loan Group 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 related Subordinate Certificates; and (ii) that for any Distribution Date on which the related Senior Percentage is greater than the related Senior Percentage as of the Closing Date, the related Senior Accelerated Distribution Percentage for such Distribution Date shall be 100%. Notwithstanding the foregoing, upon the reduction of the Certificate Principal Balances of the Senior Certificates related to a Loan Group or Sub-Loan Group, as applicable, (other than the related Class A-P Certificates, if any) to zero, the related Senior Accelerated Distribution Percentage shall thereafter be 0%. 23 Senior Certificate: Any one of the Sub-Group I-1 Senior Certificates, Sub-Group I-2 Senior Certificates or Group II Senior 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 Interest Distribution Amount: With respect to any Distribution Date and a Sub-Loan Group the amount of Accrued Certificate Interest required to be distributed from the related Available Distribution Amount to the Holders of the Certificates in the related Certificate Sub-Group and the Class I-A-V Certificates on such Distribution Date pursuant to Sections 4.02(a)(i). Senior Percentage: The Class I-A1 Percentage, Class I-A2 Percentage or Class II-A Percentage, as applicable. Senior Principal Distribution Amount: With respect to any Distribution Date and Loan Group or Sub-Loan Group, as applicable, 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) and 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 or Certificate Sub-Group on such Distribution Date pursuant to Sections 4.02(a)(ii)(Y) and 4.02(a)(xvi). Special Hazard Amount: As of any Distribution Date and Loan Group, an amount equal to (a) with respect to Loan Group I, $3,715,998 and (b) with respect to Loan Group II, 1,978,376, in each case minus the sum of (i) the aggregate amount of Special Hazard Losses allocated solely to one or more specific Classes of Certificates in the related Certificate Group 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 related Special Hazard Percentage for such anniversary multiplied by the outstanding principal balance of all the Mortgage Loans in the related Loan Group on the Distribution Date immediately preceding such anniversary and (ii) twice the outstanding principal balance of the Mortgage Loan in the related Loan Group with the largest outstanding principal balance as of the Distribution Date immediately preceding such anniversary and (B) the greater of (i) the product of 0.50% multiplied by the outstanding principal balance of all Mortgage Loans in the related Loan Group on the Distribution Date immediately preceding such anniversary multiplied by a fraction, the numerator of which is equal to the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of all of the Mortgage Loans in the related Loan Group secured by Mortgaged Properties located in the State of California divided by the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of all of the Mortgage Loans in the related Loan Group, expressed as a percentage, and the denominator of which is equal to 22.66%, in the case of Loan Group I and 19.01%, in the case of Loan Group II (which percentages are equal to the respective percentages of Mortgage Loans in the related Loan Group by aggregate principal 24 balance initially secured by Mortgaged Properties located in the State of California) and (ii) the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of the largest Mortgage Loan in the related Loan Group secured by a Mortgaged Property (or, with respect to a Cooperative Loan, the related Cooperative Apartment) located in the State of California. The related 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 related 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: With respect to each Loan Group 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 in the related Loan Group 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 in the related Loan Group as of the immediately preceding Distribution Date. Sub-Group I-1 Loans: The Mortgage Loans designated on the Mortgage Loan Schedule as Sub-Group I-1 Loans. Sub-Group I-2 Loans: The Mortgage Loans designated on the Mortgage Loan Schedule as Sub-Group I-2 Loans. Sub-Group I-1 Senior Certificates: The Class I-A-1, Class I-A-2 and Class I-A-3 Certificates, which relate to and are payable primarily from the Sub-Group I-1 Loans. Sub-Group I-2 Senior Certificates: The Class I-A2-1, Class I-A2-2, Class I-A2-3, Class I-A2-4, Class I-A2-5 and Class I-A2-6 Certificates, which relate to and are payable primarily from the Sub-Group I-2 Loans. Sub-Group I-1 Loans: The Mortgage Loans designated on the Mortgage Loan Schedule as Sub-Group I-1 Loans. Sub-Loan Group: Any of Sub-Loan Group I-1 or Sub-Loan Group I-2. Sub-Loan Group I-1: The group of Mortgage Loans comprised of the Sub-Group I-1 Loans. Sub-Loan Group I-2: The group of Mortgage Loans comprised of the Sub-Group I-2 Loans. Subordinate Certificate: With respect to Loan Group I, any one of the Class I-M Certificates or Class I-B-1, Class I-B-2 and Class I-B-3 Certificates, executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit B and Exhibit C, respectively. With respect to Loan Group II, any one of the Class II-M Certificates or Class II-B-1, Class II-B-2 and Class II-B-3 Certificates, executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit B and Exhibit C, respectively. 25 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 in the related Loan Group (or related REO Properties) (other than the related Discount Fraction of each related Discount Mortgage Loan) immediately prior to such Distribution Date. Subordinate Component: With respect to each Sub-Loan Group and any Distribution Date, the aggregate Stated Principal Balance of the Mortgage Loans in the related Sub-Loan Group, less the Discount Fraction of the Discount Mortgage Loans in the case of Sub-Loan Group I-1, for that Distribution Date minus the aggregate Certificate Principal Balance of the Certificates in the related Certificate Sub-Group immediately prior to that distribution date. Subordinate Percentage: With respect to either Loan Group or Sub-Loan Group, as applicable, 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 related 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 related 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 related Senior Certificates; (ii) such Class's pro rata share, based on the Certificate Principal Balance of each Class of related 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 related 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 related Discount Mortgage Loan) to the extent not payable to the related Senior Certificates; (iv) if such Class is the Class of related Subordinate Certificates with the Highest Priority, any related Excess Subordinate Principal Amount for the related Loan Group for such Distribution Date not paid to the related Senior Certificates; 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 related Subordinate Certificates minus (b) the sum of (i) with respect to the Class of Subordinate Certificates with the Lowest Priority, any related Excess Subordinate Principal Amount for such Distribution Date; and (ii) the related Capitalization Reimbursement Amount for such Loan Group and Distribution Date, other than the 26 related Discount Fraction of any portion of that amount related to each related 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 related Subordinate Certificates, without giving effect to this clause (b)(ii), and the denominator of which is the sum of the principal distribution amounts for all Classes of Certificates in the related Certificate Group (other than the Class A-P Certificates), without giving effect to any reductions for the Capitalization Reimbursement Amount. Super Senior Certificates: Any of the Class I-A2-1 or Class I-A2-4 Certificates. Super Senior Optimal Percentage: As to any Distribution Date on and after the Credit Support Depletion Date for Sub-Loan Group I-2 and any class of Super Senior Certificates, a percentage expressed as a fraction, the numerator of which is the Certificate Principal Balance of that class of Super Senior Certificates immediately prior to that distribution date and the denominator of which is the aggregate Certificate Principal Balance of the Sub-Group I-2 Senior Certificates immediately prior to that distribution date. Super Senior Optimal Principal Distribution Amount: As to any Distribution Date on and after the Credit Support Depletion Date and any class of Super Senior Certificates, an amount equal to the product of (a) the then-applicable Super Senior Optimal Percentage for that class of Super Senior Certificates and (b) the amounts described in Section 4.02(a)(ii)(Y) with respect to Sub-Loan Group I-2. 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 III Regular Interest Z1, 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 I-A-V Certificates, (iii) as to each Uncertificated REMIC II Regular Interest other than each Uncertificated REMIC II 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 II Regular Interest and (iv) as to each Uncertificated REMIC II Regular Interest Z and each Uncertificated REMIC III Regular Interest Z2, 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 II-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 III Regular Interest Z1, the Pool Strip Rate for the related Mortgage Loan. With respect to each of 27 the Uncertificated REMIC II Regular Interests, other than the Uncertificated REMIC II Regular Interests Z, the per annum rate specified in the definition of Uncertificated REMIC II Regular Interests. With respect to each Uncertificated REMIC II Regular Interest Z and each Uncertificated REMIC III Regular Interest Z2, 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. With respect to each Uncertificated REMIC II Regular Interest, as defined in the definition of Uncertificated REMIC II 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). 28 ----------------------- --------------------------------- ------------------ -------------------- Uncertificated REMIC Related Classes of Certificates Pass-Through Rate Initial Principal I Regular Interest Balance ----------------------- --------------------------------- ------------------ -------------------- W Class I-A2-1, Class I-A2-2, 5.50% $173,143,700 Class I-A2-6 ----------------------- --------------------------------- ------------------ -------------------- X Class I-A-P 0.00% $781,468 ----------------------- --------------------------------- ------------------ -------------------- Y Class I-A1-1, Class I-A1-2, 5.50% $197,674,396 Class I-A1-3, Class I-A2-3, Class I-A2-4, Class I-A2-5, Class R-I, Class I-M-1, Class I-M-2, Class I-M-3, Class I-B-1, Class I-B-2, Class I-B-3 ----------------------- --------------------------------- ------------------ --------------------
Uncertificated REMIC II Regular Interests: The Uncertificated REMIC II Regular Interests Z together with the interests identified in the table below, each representing an undivided beneficial ownership interest in REMIC II, and having the following characteristics: 1. The principal balance from time to time of each Uncertificated REMIC II 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 II 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 II Regular Interest in such table. 2. The Uncertificated Pass-Through Rate for each Uncertificated REMIC II 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 II Distribution Amount for each REMIC II Regular Interest identified in the table below shall be, for any Distribution Date, the amount deemed distributed with respect to such Uncertificated REMIC II Regular Interest on such Distribution Date pursuant to the provisions of Section 10.04(a). 29
----------------------- --------------------------------- ------------------ -------------------- Uncertificated REMIC Related Classes of Certificates Pass-Through Rate Initial Principal II Regular Interest Balance ----------------------- --------------------------------- ------------------ -------------------- W Class II-A-1 5.00% $100,604,000 ----------------------- --------------------------------- ------------------ -------------------- X Class II-A-P 0.00% $781,468 ----------------------- --------------------------------- ------------------ -------------------- Y Class II-M-1, Class II-M-2, 5.00% $3,171,640 Class II-M-3, Class II-B-1, Class II-B-2, Class II-B-3 ----------------------- --------------------------------- ------------------ --------------------
Uncertificated REMIC I Regular Interests Z: Each of the 2,650 uncertificated partial undivided beneficial ownership interests in the Trust Fund, numbered sequentially from 1 to 2,650, 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 747 uncertificated partial undivided beneficial ownership interests in the Trust Fund, numbered sequentially from 1 to 747, 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 II Regular Interests Z Distribution Amount: With respect to any Distribution Date, the sum of the amounts deemed to be distributed on the Uncertificated REMIC II Regular Interests Z for such Distribution Date pursuant to Section 10.04(a). Uncertificated REMIC II Regular Interest Distribution Amounts: With respect to each Uncertificated REMIC II Regular Interest, other than the Uncertificated REMIC II Regular Interests Z, the amount specified as the Uncertificated REMIC II Regular Interest Distribution Amount with respect thereto in the definition of Uncertificated REMIC II Regular Interests. With respect to the Uncertificated REMIC II Regular Interests Z, the Uncertificated REMIC II Regular Interests Z Distribution Amount. Uncertificated REMIC III Regular Interests Z1: Each of the 2,650 uncertificated partial undivided beneficial ownership interests in REMIC III numbered sequentially from 1 through 2,650 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 III Regular Interests Z1's pro rata share of the amount distributed pursuant to Section 10.04(a). 30 Uncertificated REMIC III Regular Interests Z2: Each of the 747 uncertificated partial undivided beneficial ownership interests in REMIC III numbered sequentially from 1 through 747 each relating to the identically numbered Uncertificated REMIC II 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 II Regular Interests Z, comprising such Uncertificated REMIC III Regular Interests Z2's pro rata share of the amount distributed pursuant to Section 10.04(a). Uncertificated REMIC III 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 and Uncertificated REMIC II Regular Interests Z for such Distribution Date pursuant to Section 10.04(a). Undercollateralized Amount: With respect any Certificate Sub-Group and Distribution Date, the excess of (i) the aggregate Certificate Principal Balance of such Certificate Sub-Group over (ii) the aggregate Stated Principal Balance of the Mortgage Loans in the related Sub-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(j) on such Distribution Date). Undercollateralized Certificate Sub-Group: With respect any Distribution Date, a Certificate Sub-Group for which the related Undercollateralized Amount exceeds zero. Underwriter: Deutsche Bank Securities Inc. Yield Maintenance Agreement: The agreement dated as of the Closing Date, between the Trustee and the Yield Maintenance Agreement Provider, relating to each of the Class I-A2-1 and Class I-A2-6 Certificates, or any replacement, substitute, collateral or other arrangement in lieu thereto. Yield Maintenance Agreement Provider: Barclays Bank PLC, and its successors and assigns or any party to any replacement, substitute, collateral or other arrangement in lieu thereof. Yield Maintenance Payment: For any Distribution Date, the payment, if any, due under the Yield Maintenance Agreement in respect of such Distribution Date. 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. 31 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 for the Adjustable Rate Certificates, other than the initial Interest Accrual Period, LIBOR will equal the rate for United States dollar deposits for one month which 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 that Interest Accrual Period, or the LIBOR rate adjustment date. Telerate Screen Page 3750 means the display designated as page 3750 on the Telerate Service or any other page as may replace page 3750 on that service for the purpose of displaying London interbank offered rates of major banks. If the rate does not appear on that page or any other page as may replace that page on that service, or if the service is no longer offered, any other service for displaying LIBOR or comparable rates that 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 three major banks that are engaged in transactions in the London interbank market, selected by the trustee after consultation with the Master Servicer. The reference bank rate will be determined 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 quotations are provided, the rate will be the arithmetic mean of the quotations. If on that date fewer than two quotations are provided as requested, the rate will be the arithmetic mean of the rates quoted by one or more major banks in New York City, selected by the trustee after consultation with the Master Servicer, as of 11:00 A.M., New York City time, on that 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 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, 2.85% per annum; provided however, if, under the priorities listed previously in this paragraph, 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. 32 The establishment of LIBOR by the Trustee and the Master Servicer's subsequent calculation of the Pass-through Rates applicable to the Adjustable Rate Certificates for the relevant Interest Accrual Period, in the absence of manifest error, will be final and binding. 33 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, (ii) a "High-Cost Home Loan" as defined in the New Mexico Home Loan Protection Act effective January 1, 2004, (iii) a "High Cost Home Mortgage Loan" as defined in the Massachusetts Predatory Home Loan Practices Act effective November 7, 2004 or (iv) a "High-Cost Home Loan" as defined in the Indiana Home Loan Practices Act, effective as of January 1, 2005. (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). (i) In connection with such assignment, and contemporaneously with the delivery of this Agreement, the Company delivered or caused to be delivered hereunder to the Trustee, the Yield Maintenance Agreement (the delivery of which shall evidence that the fixed payment for the Yield Maintenance Agreement has been paid and the Trustee and the Trust Fund shall have no further payment obligation thereunder and that such fixed payment has been authorized hereby). 34 Section 2.02. Acceptance by Trustee. (See Section 2.02 of the Standard Terms) Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Company. (a) For representations, warranties and covenants of the Master Servicer, see Section 2.03(a) of the Standard Terms. (b) The Company hereby represents and warrants to the Trustee for the benefit of Certificateholders that as of the Closing Date (or, if otherwise specified below, as of the date so specified): (i) No Mortgage Loan is 30 or more days Delinquent in payment of principal and interest as of the Cut-off Date and no Mortgage Loan has been so Delinquent more than once in the 12-month period prior to the Cut-off Date; (ii) The information set forth in Exhibit One hereto with respect to each Mortgage Loan or the Mortgage Loans, as the case may be, is true and correct in all material respects at the date or dates respecting which such information is furnished; (iii) The Mortgage Loans are fully-amortizing (subject to interest only periods, if applicable), fixed-rate mortgage loans with level Monthly Payments due, with respect to a majority of the Mortgage Loans, on the first day of each month and terms to maturity at origination or modification of not more than 15 years, in the case of Group II Loans, and 30 years, in the case of Group I Loans; (iv) To the best of the Company's knowledge, if a Group I Loan is secured by a Mortgaged Property with a Loan-to-Value Ratio at origination in excess of 80%, such Mortgage Loan is the subject of a Primary Insurance Policy that insures (a) at least 35% of the Stated Principal Balance of the Mortgage Loan at origination if the Loan-to-Value Ratio is between 100.00% and 95.01%, (b) at least 30% of the Stated Principal Balance of the Mortgage Loan at origination if the Loan-to-Value Ratio is between 95.00% and 90.01%, (c) at least 25% of such balance if the Loan-to-Value Ratio is between 90.00% and 85.01% and (d) at least 12% of such balance if the Loan-to-Value Ratio is between 85.00% and 80.01% and, if a Group II 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 30% 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 25% 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 12% of such balance if the Loan-to-Value Ratio is between 90.00% and 85.01% and (d) at least 6% 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; 35 (vi) No more than 0.5% of the Group 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 Arizona, and no more than 0.4% of the Group 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 Arizona; no more than 0.9% of the Sub-Group I-1 Loans by aggregate Stated Principal Balance as of the Cut-off Date are secured by Mortgaged Properties located in any one zip code area in California, and no more than 0.9% of the Sub-Group I-1 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 0.7% of the Sub-Group I-2 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 Arizona, and no more than 0.5% of the Sub-Group I-2 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 Arizona; no more than 1.2% of the Group II 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 Maryland, and no more than 1.0% of the Group II 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 Maryland; (vii) The improvements upon the Mortgaged Properties are insured against loss by fire and other hazards as required by the Program Guide, including flood insurance if required under the National Flood Insurance Act of 1968, as amended. The Mortgage requires the Mortgagor to maintain such casualty insurance at the Mortgagor's expense, and on the Mortgagor's failure to do so, authorizes the holder of the Mortgage to obtain and maintain such insurance at the Mortgagor's expense and to seek reimbursement therefor from the Mortgagor; (viii) Immediately prior to the assignment of the Mortgage Loans to the Trustee, the Company had good title to, and was the sole owner of, each Mortgage Loan free and clear of any pledge, lien, encumbrance or security interest (other than rights to servicing and related compensation) and such assignment validly transfers ownership of the Mortgage Loans to the Trustee free and clear of any pledge, lien, encumbrance or security interest; (ix) Approximately 59.62% of the Group I Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a reduced loan documentation program, approximately 11.55% of the Group I Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a no-stated income program, and approximately 4.52% of the Group I Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a no income/no asset program; approximately 55.07% of the Sub-Group I-1 Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a reduced loan documentation program, approximately 6.80% of the Sub-Group I-1 Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a no-stated income program, and approximately 2.44% of the Sub-Group I-1 Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a no income/no asset program; approximately 61.71% of the Sub-Group I-2 Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a reduced loan documentation program, approximately 13.73% of the Sub-Group I-2 Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a no-stated income program, and approximately 5.47% of the Sub-Group I-2 Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a no income/no asset program; and approximately 73.36% of the Group II Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a reduced loan documentation program, approximately 17.52% of the Group II Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a no-stated income program, and approximately 7.18% of the Group II Loans were underwritten under a no income/no asset program; 36 (x) Except with respect to approximately 26.72% of the Group I Loans by aggregate Stated Principal Balance as of the Cut-off Date, approximately 12.18% of the Sub-Group I-1 Loans by aggregate Stated Principal Balance as of the Cut-off Date, approximately 33.41% of the Sub-Group I-2 Loans by aggregate Stated Principal Balance as of the Cut-off Date and approximately 23.30% of the Group II 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); (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; 37 (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 has been made to an International Borrower, 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 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. 38 Section 2.04. Representations and Warranties of Sellers.(See Section 2.04 of the Standard Terms) Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates Evidencing Interests in REMIC I and REMIC II. 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 (i) the Class R-I Certificates in authorized denominations which together with the Uncertificated REMIC I Regular Interests, evidence the beneficial interest in REMIC I and (ii) the Class R-II Certificates in authorized denominations which together with the Uncertificated REMIC II Regular Interests, evidence the beneficial interest in REMIC II. Section 2.06. Conveyance of Uncertificated REMIC I Regular Interests 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 and the Uncertificated REMIC II Regular Interests to the Trustee for the benefit of the Holders of each Class of Certificates (other than the Class R-I Certificates and the Class R-II Certificates). The Trustee acknowledges receipt of the Uncertificated REMIC I Regular Interests and the Uncertificated REMIC II 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 and the Class R-II Certificates). The rights of the Holders of each Class of Certificates (other than the Class R-I Certificates and the Class R-II Certificates) to receive distributions from the proceeds of REMIC III 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 III. The Trustee acknowledges the assignment to it of the Uncertificated REMIC I Regular Interests and the Uncertificated REMIC II 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 and the Class R-II Certificates) in authorized denominations, which evidence the beneficial interest in the entire REMIC III. Section 2.08. Purposes and Powers of the Trust. (See Section 2.08 of the Standard Terms). 39 ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS (SEE ARTICLE III OF THE STANDARD TERMS) 40 ARTICLE IV PAYMENTS TO CERTIFICATEHOLDERS Section 4.01. Certificate Account. (See Section 4.01 of the Standard Terms) Section 4.02. Distributions. ------------- (a) On each Distribution Date the Master Servicer on behalf of the Trustee (or the Paying Agent appointed by the Trustee) shall distribute to the Master Servicer, in the case of a distribution pursuant to Section 4.02(a)(iii) below, and to each Certificateholder of record on the next preceding Record Date (other than as provided in Section 9.01 respecting the final distribution) either in immediately available funds (by wire transfer or otherwise) to the account of such Certificateholder at a bank or other entity having appropriate facilities therefor, if such Certificateholder has so notified the Master Servicer or the Paying Agent, as the case may be, or, if such Certificateholder has not so notified the Master Servicer or the Paying Agent by the Record Date, by check mailed to such Certificateholder at the address of such Holder appearing in the Certificate Register such Certificateholder's share (which share (A) with respect to each Class of Certificates (other than any Subclass of the Class A-V Certificates), shall be based on the aggregate of the Percentage Interests represented by Certificates of the applicable Class held by such Holder or (B) with respect to any Subclass of the Class A-V Certificates, shall be equal to the amount (if any) distributed pursuant to Section 4.02(a)(i) below to each Holder of a Subclass thereof) of the following amounts, in the following order of priority (subject to the provisions of Section 4.02(b), (c), (e) and (j) below), in each case to the extent of the related Available Distribution Amount remaining: (i) (X) from the Available Distribution Amount related to the Sub-Loan Group I-1, to the holders of the Sub-Group I-1 Senior, Class R-I and Class R-III Certificates Accrued Certificate Interest on such Classes 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); (Y) from the Available Distribution Amount related to the Sub-Loan Group I-2, to the holders of the Sub-Group I-2 Senior Certificates Accrued Certificate Interest on such Classes of Certificates for such Distribution Date (provided that for the purpose of this Section 4.02(a)(i)(Y) the Available Funds Cap shall be 5.50%), 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); (Z) from the Available Distribution Amount related to each of Sub-Loan Group I-1 and Sub-Loan Group I-2, on a parity with the distributions in Sections 4.02(a)(i)(X) and 4.02 (a)(i)(Y), to the holders of the Class I-A-V Certificates 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 41 (AA) from the Available Distribution Amount related to the Loan Group II, to the holders of the Group II Senior Certificates (other than the Class II-A-P Certificates) Accrued Certificate Interest on such Class of Certificates (or Subclasses, if any, with respect to the Class II-A-V Certificates) for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date except as provided in the last paragraph of this Section 4.02(a); (ii) (X) to the Class I-A-P Certificates from the Available Distribution Amounts from Sub-Loan Group I-1 and Sub-Loan Group I-2 and to and the Class II-A-P Certificates, from the Available Distribution Amount for Loan Group II, the Class A-P Principal Distribution Amount for the related Loan Group or Sub-Loan Group (applied to reduce the Certificate Principal Balance of the related 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 or Sub-Loan Group, as applicable, 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 or Sub-Loan Group, as applicable, 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 or Sub-Loan Group (other than the related Discount Fraction of the principal portion of such payment with respect to a Discount Mortgage Loan, if any), 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, if any) which together with other Bankruptcy Losses exceeds the related Bankruptcy Amount; (2) the Stated Principal Balance of any Mortgage Loan in the related Loan Group or Sub-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 or Sub-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, if any); and (3) the principal portion of all other unscheduled collections with respect to the related Loan Group or Sub-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 42 without limitation Insurance Proceeds, Liquidation Proceeds and REO Proceeds), including Subsequent Recoveries, received during the preceding calendar month (or deemed to have been so received in accordance with Section 3.07(b)) to the extent applied by the Master Servicer as recoveries of principal of the related Mortgage Loan pursuant to Section 3.14 of the Standard Terms (other than the related Discount Fraction of the principal portion of such unscheduled collections, with respect to each Discount Mortgage Loan, if any, in the related Loan Group or Sub-Loan Group); (B) with respect to each Mortgage Loan in the related Loan Group or Sub-Loan Group, as applicable, 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, if any, in the related Loan Group or Sub-Loan Group) 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, if any, in the related Loan Group or Sub-Loan Group, 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 or Sub-Loan Group, as applicable, received in the related Prepayment Period and Curtailments with respect to the related Loan Group or Sub-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 in the related Loan Group or Sub-Loan Group); (D) any portion of the Excess Subordinate Principal Amount for such Distribution Date allocated with respect to such Loan Group or Sub-Loan Group; and (E) amounts allocated to the related Certificate Sub-Group, as applicable, pursuant to Section 4.02(j); and 43 (F) any amounts described in subsection (ii)(Y), clauses (A), (B) and (C) of this Section 4.02(a), as determined for any previous Distribution Date, which remain unpaid after application of amounts previously distributed pursuant to this clause (E) to the extent that such amounts are not attributable to Realized Losses which have been allocated to the Subordinate Certificates; minus (F) the 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, if any, in the related Loan Group or Sub-Loan Group, multiplied by a fraction, the numerator of which is the Senior Principal Distribution Amount, without giving effect to this clause (F), and the denominator of which is the sum of the principal distribution amounts for all Classes of related Certificates other than the related Class A-P Certificates, payable from the Available Distribution Amount for the related Loan Group or Sub-Loan Group without giving effect to any reductions for the Capitalization Reimbursement Amount; (iii) if the Certificate Principal Balances of the Subordinate Certificates relating to a Loan Group have not been reduced to zero, to the Master Servicer or a Subservicer, by remitting for deposit to the Custodial Account, to the extent of and in reimbursement for any Advances or Subservicer Advances previously made with respect to any related 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 I-M-1 Certificates or the Class II-M-1 Certificates, as applicable, 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 I-M-1 Certificates or the Class II-M-1 Certificates, as applicable, an amount equal to (x) the related Subordinate Principal Distribution Amount for such Class of Certificates for each Loan Group for such Distribution Date, minus (y) the amount of any related 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 I-M-1 Certificates or the Class II-M-1 Certificates, as applicable; (vi) to the Holders of the Class I-M-2 Certificates or the Class II-M-2 Certificates, as applicable, 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; 44 (vii) to the Holders of the Class I-M-2 Certificates or the Class II-M-2 Certificates, as applicable, an amount equal to (x) the related Subordinate Principal Distribution Amount for such Class of Certificates for each Loan Group for such Distribution Date, minus (y) the amount of any related 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 I-M-2 Certificates or the Class II-M-2 Certificates, as applicable; (viii) to the Holders of the Class I-M-3 Certificates or the Class II-M-3 Certificates, as applicable, 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 I-M-3 Certificates or the Class II-M-3 Certificates, as applicable, an amount equal to (x) the related Subordinate Principal Distribution Amount for such Class of Certificates for each Loan Group for such Distribution Date minus (y) the amount of any related 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 I-M-3 Certificates or the Class II-M-3 Certificates, as applicable; (x) to the Holders of the Class I-B-1 Certificates or the Class II-B-1 Certificates, as applicable, 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 I-B-1 Certificates or the Class II-B-1 Certificates, as applicable, an amount equal to (x) the related Subordinate Principal Distribution Amount for such Class of Certificates for each Loan Group for such Distribution Date minus (y) the amount of any related 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 I-B-1 Certificates or the Class II-B-1 Certificates, as applicable; (xii) to the Holders of the Class I-B-2 Certificates or the Class II-B-2 Certificates, as applicable, 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 I-B-2 Certificates or the Class II-B-2 Certificates, as applicable, an amount equal to (x) the related Subordinate Principal Distribution Amount for such Class of Certificates for each Loan Group for such Distribution Date minus (y) the amount of any related 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 I-B-2 Certificates or the Class II-B-2 Certificates, as applicable; 45 (xiv) to the Holders of the Class I-B-3 Certificates or the Class II-B-3 Certificates, as applicable, 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 related 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 I-B-3 Certificates or the Class II-B-3 Certificates, as applicable, an amount equal to (x) the related Subordinate Principal Distribution Amount for such Class of Certificates for each Loan Group for such Distribution Date minus (y) the amount of any related 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 I-B-3 Certificates or the Class II-B-3 Certificates, as applicable; (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 the related Loan Group or Sub-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 aggregate of the outstanding Certificate Principal Balances of each such Class of Senior Certificates, and thereafter, to each Class of related Subordinate Certificates then outstanding beginning with such Class with the Highest Priority, any portion of the related Available Distribution Amounts remaining after the related Senior Certificates have been retired, applied to reduce the Certificate Principal Balance of each such Class of related 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-III Certificates, the balance, if any, of the Available Distribution Amounts for all Loan Groups. Notwithstanding the foregoing, on any Distribution Date, with respect to the Class of related Subordinate Certificates outstanding on such Distribution Date with the Lowest Priority, or in the event the related Subordinate Certificates are no longer outstanding, the related 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. 46 (b) (I) Distributions of principal from the Available Distribution Amount for Loan Group I on each Distribution Date will be made as follows: (i) first, the Class A-P Principal Distribution Amount for Loan Group I shall be distributed to the Class I-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 Sub-Loan Group I-1 shall be distributed as follows: (A) first, to the Class R-I Certificates and Class R-III Certificates, on a pro rata basis in accordance with their respective Certificate Principal Balances, until the Certificate Principal Balances of those classes have been reduced to zero; (B) second, any remaining amount to the Class I-A1-3 Certificates, until the Certificate Principal Balance of the Class I-A1-3 Certificates has been reduced to zero, an amount equal to the Lockout Percentage of the Class I-A1-3 Certificates' pro rata share (based on the Certificate Principal Balance of the Class I-A1-3 Certificates relative to the sum of the aggregate Certificate Principal Balance of the Sub-Group I-1 Senior Certificates and the Subordinate Component for Sub-Loan Group I-1) of the aggregate of the collections related to Sub-Loan Group I-1 described in clauses (A), (B), (C), (D), (E) and (F) (net of amounts set forth in clause (G)) of Section 4.02(a)(ii)(Y), without application of the related Senior Percentage or the related Senior Accelerated Distribution Percentage; provided, however, that if the aggregate of the amounts set forth in clauses (A), (B), (C), (D), (E) and (F) (net of amounts set forth in clause (G)) of Section 4.02(a)(ii)(Y) is more than the balance of the related Available Distribution Amount remaining after the related Senior Interest Distribution Amount and the related Class A-P Principal Distribution Amount have been distributed, the amount paid to the Class I-A1-3 Certificates pursuant to this Section 4.02(b)(I)(ii)(B) shall be reduced by an amount equal to the Class I-A1-3 Certificates' pro rata share (based on the Certificate Principal Balance of the Class I-A1-3 Certificates relative to the aggregate Certificate Principal Balance of the Sub-Group I-1 Senior Certificates) of such difference; (C) third, any remaining amount to the Class I-A1-1 Certificates, until the Certificate Principal Balance of that class has been reduced to zero; (D) fourth, any remaining amount to the Class I-A1-2 Certificates, until the Certificate Principal Balance of that class has been reduced to zero; and (E) fifth, any remaining amount to the Class I-A1-3 Certificates, until the Certificate Principal Balance of that class has been reduced to zero. 47 (iii) an amount equal to the Senior Principal Distribution Amount for Sub-Loan Group I-2 shall be distributed as follows: (A) first, to the Class I-A2-3 Certificates, until the Certificate Principal Balance of the Class I-A2-3 Certificates has been reduced to zero, an amount equal to the Lockout Percentage of the Class I-A2-3 Certificates' pro rata share (based on the Certificate Principal Balance of the Class I-A2-3 Certificates relative to the aggregate Certificate Principal Balance of the Sub-Group I-2 Senior Certificates and the Subordinate Component for Sub-Loan Group I-2) of the aggregate of the collections related to Sub-Loan Group I-2 described in clauses (A), (B), (C), (D), (E) and (F) (net of amounts set forth in clause (G)) of Section 4.02(a)(ii)(Y), without application of the related Senior Percentage or the related Senior Accelerated Distribution Percentage; provided, however, that if the aggregate of the amounts set forth in clauses (A), (B), (C), (D), (E) and (F) (net of amounts set forth in clause (G)) of Section 4.02(a)(ii)(Y) is more than the balance of the related Available Distribution Amount remaining after the related Senior Interest Distribution Amount and the related Class A-P Principal Distribution Amount have been distributed, the amount paid to the Class I-A2-3 Certificates pursuant to this Section 4.02(b)(I)(iii)(A) shall be reduced by an amount equal to the Class I-A2-3 Certificates' pro rata share (based on the Certificate Principal Balance of the Class I-A2-3 Certificates relative to the aggregate Certificate Principal Balance of the Sub-Group I-2 Senior Certificates) of such difference; (B) second, any remaining amount to the Class I-A2-4 Certificates and Class I-A2-5 Certificates, on a pro rata basis in accordance with their respective Certificate Principal Balances, until the Certificate Principal Balances of the Class I-A2-4 Certificates and Class I-A2-5 Certificates have been reduced to zero, an amount equal to the Lockout Share Percentage and the aggregate of the collections related to Sub-Loan Group I-2 described in clauses (A), (B), (C), (D), (E) and (F) (net of amounts set forth in clause (G)) of Section 4.02(a)(ii)(Y), with application of the related Senior Percentage and the related Senior Accelerated Distribution Percentage; provided, however, that if the aggregate of the amounts set forth in clauses (A), (B), (C), (D), (E) and (F) (net of amounts set forth in clause (G)) of Section 4.02(a)(ii)(Y) is more than the balance of the related Available Distribution Amount remaining after the related Senior Interest Distribution Amount and the related Class A-P Principal Distribution Amount have been distributed, the amount paid to the Class I-A2-4 Certificates and the Class I-A2-5 Certificates pursuant to this Section 4.02(b)(I)(iii)(B) shall be reduced by an amount equal to the Class I-A2-4 Certificates and the Class I-A2-5 Certificates' pro rata share (based on the Certificate Principal Balances of the Class I-A2-4 Certificates and the Class I-A2-5 Certificates relative to the aggregate Certificate Principal Balance of the Sub-Group I-2 Senior Certificates) of such difference; (C) third, any remaining amount to the Class I-A2-1 and Class I-A2-6 Certificates, on a pro rata basis in accordance with their respective Certificate Principal Balances, until the Certificate Principal Balance of those classes has been reduced to zero; 48 (D) fourth, any remaining amount to the Class I-A2-4 Certificates and the Class I-A2-5 Certificates, on a pro rata basis in accordance with their respective Certificate Principal Balances, until the Certificate Principal Balance of those classes has been reduced to zero; and (E) fifth, any remaining amount to the Class I-A2-3 Certificates, until the Certificate Principal Balance of that class has been reduced to zero. (II) Distributions of principal from the Available Distribution Amount for Loan Group II on each Distribution Date will be made as follows: (i) first, the Class A-P Principal Distribution Amount for Loan Group II shall be distributed to the Class II-A-P Certificates, until the Certificate Principal Balance of that class has been reduced to zero; and (ii) second, an amount equal to the Senior Principal Distribution Amount for Loan Group I shall be distributed as follows: (A) first, to the Class R-II Certificates, until the Certificate Principal Balance of that class has been reduced to zero; and (B) second, any remaining amount to the Class II-A-1 Certificates, until the Certificate Principal Balance of that class has been reduced to zero. (c) Notwithstanding Section 4.02(b)(I)(ii) and Section 4.02(b)(II)(ii), on or after the related Credit Support Depletion Date, the Senior Principal Distribution Amount for the related Loan Group will be distributed to the remaining Senior Certificates in the related Certificate Group (other than the related Class A-P Certificates and the related Class A-V Certificates) pro rata in accordance with their respective outstanding Certificate Principal Balances; provided, however, that until reduction of the Certificate Principal Balance of the Class I-A2-6 Certificates to zero, the aggregate amount distributable to the Class I-A2-1 Certificates and Class I-A2-6 Certificates in respect of the aggregate Accrued Certificate Interest thereon and in respect of their aggregate pro rata portion of the related Senior Principal Distribution Amount will be distributed among those Certificates in the following priority: first, to the Class I-A2-1 Certificates, up to an amount equal to the Accrued Certificate Interest on the Class I-A2-1 Certificates; second, to the Class I-A2-1 Certificates, up to an amount equal to the Super Senior Optimal Principal Distribution Amount for the Class I-A2-1 Certificates, in reduction of the Certificate Principal Balance thereof, until the Certificate Principal Balance thereof has been reduced to zero; third, to the Class I-A2-6 Certificates, up to an amount equal to the Accrued Certificate Interest thereon; and fourth, to the Class I-A2-6 Certificates, the remainder, until the Certificate Principal Balance thereof has been reduced to zero. In addition, until reduction of the Certificate Principal Balance of the Class I-A2-5 Certificates to zero, the aggregate amount distributable to the Class I-A2-4 Certificates and Class I-A2-5 Certificates in respect of the aggregate Accrued Certificate Interest thereon 49 and in respect of their aggregate pro rata portion of the related Senior Principal Distribution Amount will be distributed among those certificates in the following priority: first, to the Class I-A2-4 Certificates, up to an amount equal to the Accrued Certificate Interest on the Class I-A2-4 Certificates; second, to the Class I-A2-4 Certificates, up to an amount equal to the Super Senior Optimal Principal Distribution Amount for the Class I-A2-4 Certificates, in reduction of the Certificate Principal Balance thereof, until the Certificate Principal Balance thereof has been reduced to zero; third, to the Class I-A2-5 Certificates, up to an amount equal to the Accrued Certificate Interest thereon; and fourth, to the Class I-A2-5 Certificates, the remainder, until the Certificate Principal Balance thereof has been reduced to zero. (d) After the reduction of the Certificate Principal Balances of all Classes of Senior Certificates of a Certificate Group (other than the related Class A-P Certificates) to zero but prior to the related Credit Support Depletion Date, such Senior Certificates (other than the related Class A-P Certificates) will be entitled to no further distributions of principal thereon and the applicable Available Distribution Amount will be distributed solely to the holders of the related Class A-P Certificates, the related Class A-V Certificates and the related 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 related 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 related 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 related Certificates with the next lower payment priority up to the amount of Realized Losses previously allocated to that Class of Certificates pursuant to Section 4.05, and so on. Holders of such Certificates will not be entitled to any payment in respect of Accrued Certificate Interest on the amount of such increases for any Interest Accrual Period preceding the Interest Accrual Period that relates to the Distribution Date on which such increase occurs. Any such increases shall be applied to the Certificate Principal Balance of each Certificate of such Class in accordance with its respective Percentage Interest. (f) On each Distribution Date, the Yield Maintenance Payment will be distributed to the Class I-A2-1 Certificates and Class I-A2-6 Certificates, on a pro rata basis in accordance with their respective Certificate Principal Balances. (g) 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 50 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. (h) 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). (i) On any Distribution Date prior to the occurrence of the Credit Support Depletion Date for Loan Group I that occurs after the reduction of the aggregate Certificate Principal Balance of the Certificates of any Certificate Sub-Group to zero, the outstanding Certificates relating to the remaining Certificate Sub-Group will be entitled to receive 100% of the mortgagor prepayments on the Mortgage Loans in the Sub-Loan Group related to the Certificate Sub-Group that has been reduced to zero. Such amounts allocated to a Certificate Sub-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, the remaining Certificates in a Certificate Sub-Group will not be entitled to receive mortgagor prepayments on the Mortgage Loans in the Sub-Loan Group related to the Certificate Sub-Group that has been reduced to zero if the following two conditions are satisfied: (1) the weighted average of the Subordinate Percentages for both Sub-Loan Groups for such Distribution Date, weighted on the basis of the Stated Principal Balances of the Mortgage Loans in the related Sub-Loan Group, is at least two times the weighted average of the initial Subordinate Percentages for both Sub-Loan Groups, calculated on that basis and (2) the outstanding principal balance of the Mortgage Loans in both Sub-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 I-M Certificates and Class I-B Certificates, is less than 50%. (j) For any Undercollateralized Certificate Sub-Group on any Distribution Date prior to the Credit Support Depletion Date (i) 100% of the mortgagor prepayments allocable to the Class I-M Certificates and Class I-B Certificates on the Mortgage Loans in the non-related Sub-Loan Group will be distributed to such Undercollateralized Certificate Sub-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 Sub-Group, until such Certificate Principal Balance equals the aggregate Stated Principal Balance of the Mortgage Loans in the related Sub-Loan 51 Group and (ii) an amount equal to one month's interest at a rate of 5.50% per annum on the related Undercollateralized Amount will be distributed from that portion of the Available Distribution Amount for the non-related Sub-Loan Group that would be otherwise allocable to the Class I-M Certificates and Class I-B Certificates, in the following priority: first to pay any unpaid interest on such Undercollateralized Certificate Sub-Group, pro rata, and then to pay principal thereon in the manner described in clause (i) above. Section 4.03. Statements to Certificateholders; Statements to the Rating Agencies; 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 on Mortgage Loans in a Loan Group, other than Excess Special Hazard Losses, Extraordinary Losses, Excess Bankruptcy Losses or Excess Fraud Losses, shall be allocated to the Certificates in the related Certificate Group as follows: first, to the Class I-B-3 Certificates or the Class II-B-3 Certificates, as applicable, until the Certificate Principal Balance thereof has been reduced to zero; second, to the Class I-B-2 Certificates or the Class II-B-2 Certificates, as applicable, until the Certificate Principal Balance thereof has been reduced to zero; third, to the Class I-B-1 Certificates or the Class II-B-1 Certificates, as applicable, until the Certificate Principal Balance thereof has been reduced to zero; fourth, to the Class I-M-3 Certificates or the Class II-M-3 Certificates, as applicable, until the Certificate Principal Balance thereof has been reduced to zero; fifth, to the Class I-M-2 Certificates or the Class II-M-2 Certificates, as applicable, until the Certificate Principal Balance thereof has been reduced to zero; sixth, to the Class I-M-1 Certificates or the Class II-M-1 Certificates, as applicable, until the Certificate Principal Balance thereof has been reduced to zero; and, thereafter, if any such Realized Loss is on a Discount Mortgage Loan, to the related Class A-P Certificates in an amount equal to the related Discount Fraction of the principal portion of the Realized Loss until the Certificate Principal Balance of such Class A-P Certificates has been reduced to zero, and the remainder of such Realized Losses on the Discount Mortgage Loans in the related Loan Group or Sub-Loan Group and the entire amount of such Realized Losses on Non-Discount Mortgage Loans in the related Loan Group or Sub-Loan Group will be allocated among (i) the Sub-Group I-1 Senior, Class R-I and Class R-III Certificates and, in the case of the interest portion of such Realized Loss, the Class I-A-V Certificates (in the case of a Sub-Group I-1 Loan) on a pro rata basis, (ii) Class I-A2-1 Class I-A2-3, Class I-A2-4, Class I-A2-5, Class I-A2-6 and, in the case of the interest portion of such Realized Loss, Class I-A-V and Class I-A2-2 Certificates (in the case of a Sub-Group I-2 Loan) 52 on a pro rata basis or (iii) to the Class II-A-1 and Class R-II Certificates and, in the case of the interest portion of such Realized Loss, the Class II-A-V Certificates (in the case of a Group II Loan) on a pro rata basis, as described below; provided, however, that such Realized Losses otherwise allocable to the Class I-A2-1 Certificates will be allocated to the Class I-A2-6 Certificates until the Certificate Principal Balance of the Class I-A2-6 Certificates has been reduced to zero, and Realized Losses otherwise allocable to the Class I-A2-4 Certificates will be allocated to the Class I-A2-5 Certificates until the Certificate Principal Balance of the Class I-A2-5 Certificates has been reduced to zero. The principal portion of any Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses and Extraordinary Losses on Discount Mortgage Loans will be allocated to the related Class A-P Certificates in an amount equal to the related Discount Fraction thereof. The Class I-A1 Percentage, Class I-A2 Percentage or Class II-A Percentage (as applicable) of the remainder of the principal portion of such losses on Discount Mortgage Loans and the Class I-A1 Percentage, Class I-A2 Percentage or Class II-A Percentage (as applicable) of the entire amount of the principal portion of such losses on Non-Discount Mortgage Loans will be allocated to (i) the Sub-Group I-1 Senior, the Class R-I and the Class R-III Certificates, on a pro rata basis (in the case of a Realized Loss on a Sub-Group I-1 Loan), (ii) Sub-Group I-2 Senior Certificates, other than the Class I-A2-2 Certificates, on a pro rata basis (in the case of a Realized Loss on a Sub-Group I-2 Loan), provided, however, that such losses otherwise allocable to the Class I-A2-1 Certificates will be allocated to the Class I-A2-6 Certificates until the Certificate Principal Balance of the Class I-A2-6 Certificates has been reduced to zero, and such losses otherwise allocable to the Class I-A2-4 Certificates will be allocated to the Class I-A2-5 Certificates until the Certificate Principal Balance of the Class I-A2-5 Certificates has been reduced to zero, or (iii) to the Group II Senior Certificates, other than the Class II-A-P Certificates and Class II-A-V Certificates, on a pro rata basis (in the case of a Realized Loss on a Group II Loan). The remainder of the principal portion of such losses on Discount Mortgage Loans and Non-Discount Mortgage Loans will be allocated to the Class M Certificates in the related Certificate Group and Class B Certificates in the related Certificate Group on a pro rata basis. The interest portion of such losses will be allocated to all of the Certificates in the related Certificate Group or Certificate Sub-Group, as applicable, on a pro rata basis based on the Accrued Certificate Interest thereon payable from the related Loan Group or Sub-Loan Group in respect of the related Distribution Date. 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 or Sub-Loan Group in respect of such Distribution Date and derived from the related Loan Group or Sub-Loan Group (without regard to any Compensating Interest allocated to the Available Distribution Amount of such Loan Group or Sub-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 or Certificate Sub-Group, as applicable, below the aggregate Stated Principal Balance of the Mortgage Loans in the related Loan Group or Sub-Loan Group. Any allocation of the principal portion of Realized Losses (other than Debt Service Reductions) to the related 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 53 (other than any interest rate reduction resulting from a Servicing Modification) shall be made in proportion to the amount of Accrued Certificate Interest and by operation of the definition of "Accrued Certificate Interest" and by operation of the provisions of Section 4.02(a). Allocations of the interest portion of a Realized Loss resulting from an interest rate reduction in connection with a Servicing Modification shall be made by operation of the provisions of Section 4.02(a). Allocations of the principal portion of Debt Service Reductions shall be made by operation of the provisions of Section 4.02(a). All Realized Losses and all other losses allocated to a Class of Certificates hereunder will be allocated among the Certificates of such Class in proportion to the Percentage Interests evidenced thereby; provided that if any Subclasses of the Class A-V Certificates have been issued pursuant to Section 5.01(c), such Realized Losses and other losses allocated to the Class A-V Certificates shall be allocated among such Subclasses in proportion to the respective amounts of Accrued Certificate Interest payable on such Distribution Date that would have resulted absent such reductions. Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property. (See Section 4.06 of the Standard Terms) Section 4.07. Optional Purchase of Defaulted Mortgage Loans. (See Section 4.07 of the Standard Terms) Section 4.08. Surety Bond. (See Section 4.08 of the Standard Terms) Section 4.09. Reserve Fund. (a) On or before the Closing Date, the Trustee shall establish a Reserve Fund on behalf of the Holders of the Class I-A2-1 and Class I-A2-6 Certificates. The Reserve Fund must be an Eligible Account. The Reserve Fund shall be entitled "Reserve Fund, Deutsche Bank Trust Company Americas as Trustee for the benefit of holders of Residential Accredit Loans, Inc., Mortgage Asset-Backed Pass-Through Certificates, Series 2005-QS3". The Trustee shall demand payment of all money payable by the Yield Maintenance Agreement Provider under the Yield Maintenance Agreement. The Trustee shall deposit in the Reserve Fund all payments received by it from the Yield Maintenance Agreement Provider pursuant to the Yield Maintenance Agreement. On each Distribution Date, the Trustee shall remit amounts received by it from the Yield Maintenance Agreement Provider to the Holders of the Offered Certificates in the manner provided in Section 4.02(f) as it is directed by the Master Servicer. (b) The Reserve Fund is an "outside reserve fund" within the meaning of Treasury Regulation ss.1.860G-2(h) and shall be an asset of the Trust Fund but not an 54 asset of any 2005-QS3 REMIC. The Trustee on behalf of the Trust shall be the nominal owner of the Reserve Fund. The Underwriter shall be the beneficial owner of the Reserve Fund, subject to the power of the Trustee to distribute amounts under Section 4.02(f). Amounts in the Reserve Fund shall be held uninvested in a trust account of the Trustee with no liability for interest or other compensation thereon. 55 ARTICLE V THE CERTIFICATES (SEE ARTICLE V OF THE STANDARD TERMS) 56 ARTICLE VI THE COMPANY AND THE MASTER SERVICER (SEE ARTICLE VI OF THE STANDARD TERMS) 57 ARTICLE VII DEFAULT (SEE ARTICLE VII OF THE STANDARD TERMS) 58 ARTICLE VIII CONCERNING THE TRUSTEE (SEE ARTICLE VIII OF THE STANDARD TERMS) 59 ARTICLE IX TERMINATION Section 9.01 CONVEYANCE OF MORTGAGE LOANS. (a) (See Section 9.01(a) of the Standard Terms) (b) (See Section 9.01(b) of the Standard Terms) (c) (See Section 9.01(c) of the Standard Terms) (d) (See Section 9.01(d) of the Standard Terms) (e) (See Section 9.01(e) of the Standard Terms) (f) Upon termination of the Trust Fund pursuant to this Section 9.01, the Trustee on behalf of the Trust Fund shall, under documents prepared by the Master Servicer or Holders of the Class I-A2-1 and Class I-A2-6 Certificates, assign without recourse, representation or warranty all the right, title and interest of the Trustee and the Trust Fund in and to the Yield Maintenance Agreement to the Underwriter. 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) 60 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 shall make an election to treat the entire segregated pool of assets described in the definition of REMIC I, and subject to this Agreement (including the Group I Loans) as a REMIC ("REMIC I") for federal income tax purposes. The REMIC Administrator shall make an election to treat the entire segregated pool of assets described in the definition of REMIC II, and subject to this Agreement (including the Group II Loans) as a REMIC ("REMIC II") for federal income tax purposes. The REMIC Administrator shall make an election to treat the entire segregated pool of assets comprised of the Uncertificated REMIC I Regular Interests and Uncertificated REMIC II Regular Interests as a REMIC ("REMIC III") 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 Uncertificated REMIC II Regular Interests will be "regular interests" in REMIC II and the Class R-II Certificates will be the sole class of "residual interests" in REMIC II for purposes of the REMIC Provisions (as defined herein) under the federal income tax law. The Class I-A1-1, Class I-A1-2, Class I-A1-3, I-A2-1 (exclusive of any rights to payment of amounts received pursuant to the Yield Maintenance Agreement), Class I-A2-2, Class I-A2-3, Class I-A2-4, Class I-A2-5, Class I-A2-6 (exclusive of any rights to payment of amounts received pursuant to the Yield Maintenance Agreement), Class II-A-1, Class I-A-P, Class II-A-P, Class I-M-1, Class I-M-2, Class I-M-3, Class I-B-1, Class I-B-2, Class I-B-3, Class II-M-1, Class II-M-2, Class II-M-3, Class II-B-1, Class II-B-2 and Class II-B-3 Certificates and the Uncertificated REMIC III Regular Interests Z1 and the Uncertificated REMIC III Regular Interests Z2, the rights in and to which will be represented by the related Class A-V Certificates, will be "regular interests" in REMIC III, and the Class R-III 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 related Class A-V Certificates pursuant to Section 5.01(c) of the Standard Terms, any such Subclass will represent the related Uncertificated REMIC III Regular Interest or Interests Z1 or Interests Z2 specified by the initial Holder of the related 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 and Uncertificated REMIC II Regular Interests, the Uncertificated REMIC I Regular Interest Distribution Amounts and the Uncertificated REMIC II Regular Interest 61 Distribution Amounts, respectively, in the following order of priority to the extent of the related Available Distribution Amount, as reduced by distributions made to the Class R-I Certificates or the Class R-II Certificates, as applicable, pursuant to Section 4.02(a): (i) Uncertificated Accrued Interest on the Uncertificated REMIC I Regular Interests or the Uncertificated REMIC II Regular Interests, as applicable, 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 and the Class R-II Certificates) under Section 4.02(a), as allocated thereto pursuant to Section 4.02(b). (b)The amount described in Section 10.04(a)(ii) in respect of the Uncertificated REMIC I Regular Interest Distribution Amounts shall be deemed distributed to (i) Uncertificated REMIC I Regular Interest W, (ii) Uncertificated REMIC I Regular Interest X and (iii) 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. The amount described in Section 10.04(a)(ii) in respect of the Uncertificated REMIC II Regular Interest Distribution Amounts shall be deemed distributed to (i) Uncertificated REMIC II Regular Interest W, (ii) Uncertificated REMIC II Regular Interest X and (iii) Uncertificated REMIC II 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-II 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 III or REMIC II to REMIC III, as the case may be, in accordance with the priority assigned to the REMIC III Certificates relative to that assigned to the REMIC I Certificates and the REMIC II Certificates under Section 4.02(b). (d)In determining from time to time the Uncertificated REMIC I Regular Interest Distribution Amounts, the Uncertificated REMIC II Regular Interest Distribution Amounts and Uncertificated REMIC III 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 III Regular Interests Z1, in the case of the Class I-A-V Certificates, and the Uncertificated REMIC III Regular Interests Z2, in the case of the Class I-A-V Certificates, pro rata according to the respective amounts of Uncertificated Accrued Interest that would have accrued on such Uncertificated REMIC III Regular Interests Z1 or Z2 for the Distribution Date for which such allocation is being made in the absence of such allocation; 62 (ii) Realized Losses allocated to the Class I-A2-1, Class I-A2-2 and Class I-A2-6 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest W; (iii) Realized Losses allocated to the Class II-A-1 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC II Regular Interest W; (iv) Realized Losses allocated to the Class I-A-P Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest X; (v) Realized Losses allocated to the Class II-A-P Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC II Regular Interest X; (vi) Realized Losses allocated to the Class I-A1-1, Class I-A1-2, Class I-A1-3, Class I-A2-3, Class I-A2-4, Class I-A2-5, Class I-M-1, Class I-M-2, Class I-M-3, Class I-B-1, Class I-B-2, Class I-B-3 and Class R-I Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest Y; (vii) Realized Losses allocated to the Class II-M-1, Class II-M-2, Class II-M-3, Class II-B-1, Class II-B-2 and Class II-B-3 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC II Regular Interest Y; (viii) Realized Losses allocated to the Uncertificated REMIC II Regular Interests Z1 under clause (i), above, shall be deemed allocated, in each case, to the related Uncertificated REMIC I Regular Interest Z; and (ix) Realized Losses allocated to the Uncertificated REMIC II Regular Interests Z2 under clause (i), above, shall be deemed allocated, in each case, to the related Uncertificated REMIC II Regular Interest Z. (e)On each Distribution Date the Trustee shall be deemed to distribute from REMIC III, 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 and the Class R-II Certificates) the amounts distributable thereon from the Uncertificated REMIC I Regular Interest Distribution Amounts and the Uncertificated REMIC II Regular Interest Distribution Amounts deemed to have been received by REMIC III from REMIC I and REMIC II under this Section 10.04. The amounts deemed distributed hereunder with respect to the Class I-A-V Certificates and the Class II-A-V Certificates shall be deemed to have been distributed in respect of the Uncertificated REMIC III Regular Interests Z1 and the Uncertificated REMIC III Regular Interests Z2, respectively, in accordance with their respective Uncertificated REMIC III Regular Interest Distribution Amounts, as such Uncertificated REMIC III Regular Interests Z1 and the Uncertificated REMIC III Regular Interests Z2 comprise the Class I-A-V Certificates and the Class II-A-V Certificates, respectively. (f)Notwithstanding the deemed distributions on the Uncertificated REMIC I Regular Interests and the Uncertificated REMIC II 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. 63 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. 64 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 Law. (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-QS16 The Trustee designates its offices located at c/o DTC Transfer Services, 55 Water Street, Jeanette Street Park Entrance, New York, New York 10041, for the purposes of Section 8.12 of the Standard Terms Moody's Investors Service, Inc. 99 Church Street, 4th Floor New York, New York 10004 Fitch Ratings One State Street Plaza New York, New York 10041 65 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. 95.5% of all of the Voting Rights shall be allocated among Holders of Certificates, other than the Interest Only Certificates and Class R Certificates, in proportion to the outstanding Certificate Principal Balances of their respective Certificates; 1.0% of all Voting Rights shall be allocated among the Holders of each Class of Class A-V Certificates, in accordance with their respective Percentage Interests; 1.0% of all Voting Rights shall be allocated among the Holders of the Class I-A2-2 Certificates, in accordance with their respective Percentage Interests; and 0.5% of all Voting Rights shall be allocated among the Holders of each Class of Class R 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. 66 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/ Heather Anderson Name: Heather Anderson Title: Vice President Attest: /s/ Benita Bjorgo Name: Benita Bjorgo Title: Vice President RESIDENTIAL FUNDING CORPORATION [Seal] By: /s/ Benita Bjorgo Name: Benita Bjorgo Title: Associate Attest:/s/ Heather Anderson Name: Heather Anderson Title: Associate DEUTSCHE BANK TRUST COMPANY AMERICAS, as Trustee [Seal] By: /s/ Brent Hoyler Name: Brent Hoyler Title: Associate By: /s/ Barbara Campbell Name: Barbara Campbell Title: Vice President Attest:/s/ Nicholas Gisler Name: Nicholas Gisler Title: Associate STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 30th day of March, 2005 before me, a notary public in and for said State, personally appeared Heather Anderson, 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/ Amy Sue Olson Notary Public [Notarial Seal] STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 30th day of March, 2005 before me, a notary public in and for said State, personally appeared Benita Bjorgo, 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/ Amy Sue Olson Notary Public [Notarial Seal] STATE OF CALIFORNIA ) ) ss.: COUNTY OF ORANGE ) On the 30th day of March, 2005 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/ Amy Lynn Stoddard Notary Public [Notarial Seal] STATE OF CALIFORNIA ) ) ss.: COUNTY OF ORANGE ) On the 30th day of March, 2005 before me, a notary public in and for said State, personally appeared Barbara Campbell, known to me to be a(n) 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/ Amy Lynn Stoddard Notary Public [Notarial Seal] EXHIBIT ONE-I MORTGAGE LOAN SCHEDULE SUB-GROUP I-1 LOAN Fixed Rate Loan Loan Number S/S Code Payment Type Original Bal Loan Feature Orig Term Principal Bal # of Units Orig Rate Original PI LTV Net Curr Current PI City State Zip Loan Purp Note Date MI Co Code Servicer Loan # Prop Type First Pay Date MI Coverage Seller Loan # Occup Code Maturity Date Investor Loan # 4652379 U59/G02 F 50,175.00 ZZ 180 42,133.70 1 7.8750 475.89 75 7.6250 475.89 PORT RICHEY FL 34667 1 04/27/01 00 0432815009 05 05/27/01 0.0000 800773746 O 04/27/16 0 9003521 E22/G02 F 140,600.00 ZZ 180 136,103.41 1 6.0000 1186.46 95 5.7500 1186.46 WASHINGTON DC 20019 5 05/03/04 10 0420418683 07 07/01/04 25.0000 0420418683 O 06/01/19 0 9097137 E22/G02 F 215,000.00 ZZ 180 208,600.94 2 5.2500 1728.34 43 5.0000 1728.34 BERKELEY CA 94704 5 06/02/04 00 0420753899 05 08/01/04 0.0000 0420753899 O 07/01/19 0 9112147 E82/G02 F 95,750.00 T 180 92,760.39 1 5.8750 801.54 70 5.6250 801.54 CHICAGO IL 60605 2 06/16/04 00 0400989885 01 08/01/04 0.0000 0400989885 O 07/01/19 0 9473123 E22/G02 F 83,700.00 ZZ 180 81,809.54 1 5.7500 695.05 90 5.5000 695.05 CASPER WY 82601 1 08/16/04 10 0421730870 05 10/01/04 20.0000 0421730870 N 09/01/19 0 9494647 E22/G02 F 89,000.00 ZZ 180 87,121.26 1 5.8750 745.04 29 5.6250 745.04 SEATTLE WA 98103 2 08/18/04 00 0421429317 05 10/01/04 0.0000 0421429317 N 09/01/19 0 9515399 Y28/G02 F 94,688.00 ZZ 180 91,667.64 1 5.8750 792.66 80 5.6250 792.66 HOUSTON TX 77022 1 06/02/04 00 0438315889 05 07/01/04 0.0000 04005065 O 06/01/19 0 9515623 Y28/G02 F 336,000.00 TX 180 328,041.90 1 6.3750 2903.88 80 6.1250 2903.88 SUGAR LAND TX 77479 5 07/26/04 00 0438313462 03 09/01/04 0.0000 04008102 O 08/01/19 0 9538475 E22/G02 F 82,790.00 ZZ 180 80,547.38 2 5.8750 693.05 90 5.6250 693.05 NINEVEH IN 46164 1 09/03/04 04 0421762899 05 11/01/04 20.0000 0421762899 N 10/01/19 0 9539879 286/286 F 87,000.00 ZZ 180 82,937.40 1 4.8750 682.34 80 4.6250 682.34 HOUSTON TX 77065 2 03/31/04 00 3125221 05 05/01/04 0.0000 3125221 O 04/01/19 0 9539919 286/286 F 104,000.00 T 180 99,544.38 1 5.2500 836.04 75 5.0000 836.04 COATESVILLE IN 46121 2 03/09/04 00 3090384 05 05/01/04 0.0000 3090384 O 04/01/19 0 9539945 286/286 F 300,000.00 ZZ 180 293,534.95 1 5.6250 2471.20 31 5.3750 2471.20 EL CAJON CA 92021 2 08/31/04 00 2253643 05 10/01/04 0.0000 2253643 O 09/01/19 0 9540195 E22/G02 F 126,000.00 ZZ 180 123,788.99 2 5.8750 1054.77 90 5.6250 1054.77 WILMINGTON OH 45177 2 08/31/04 04 0421735101 05 11/01/04 12.0000 0421735101 O 10/01/19 0 9540692 E23/G02 F 88,000.00 ZZ 180 86,307.09 1 6.0000 742.59 80 5.7500 742.59 SUNSET UT 84015 5 10/25/04 00 0438593295 05 12/01/04 0.0000 42006060 O 11/01/19 0 9541909 Y21/G02 F 84,800.00 ZZ 180 82,953.61 1 5.5000 692.89 78 5.2500 692.89 NOGALES AZ 85621 1 08/25/04 00 0438348294 05 10/01/04 0.0000 204578728 O 09/01/19 0 9542499 Y21/G02 F 405,000.00 ZZ 180 395,878.35 1 5.5000 3309.19 51 5.2500 3309.19 NEWCASTLE WA 98059 1 08/20/04 00 0438348104 03 10/01/04 0.0000 204554730 O 09/01/19 0 9545201 E22/G02 F 76,800.00 ZZ 180 75,466.33 1 6.0000 648.08 80 5.7500 648.08 OGDEN UT 84403 2 09/02/04 00 0421410036 05 11/01/04 0.0000 0421410036 N 10/01/19 0 9546765 286/286 F 117,500.00 ZZ 180 112,615.73 1 6.2500 1007.48 80 6.0000 1007.48 CAPE CORAL FL 33909 1 08/26/04 00 3512228 05 10/01/04 0.0000 3512228 N 09/01/19 0 9546767 286/286 F 133,000.00 ZZ 180 130,232.30 4 6.2500 1140.38 70 6.0000 1140.38 ALBANY NY 12209 5 08/19/04 00 3507152 05 10/01/04 0.0000 3507152 N 09/01/19 0 9546783 286/286 F 88,800.00 ZZ 180 86,674.72 1 6.2500 761.40 80 6.0000 761.40 SAN ANTONIO TX 78212 2 07/19/04 00 3342032 01 09/01/04 0.0000 3342032 N 08/01/19 0 9546787 286/286 F 83,200.00 ZZ 180 81,208.76 2 6.2500 713.38 80 6.0000 713.38 WESTLAND MI 48186 5 07/22/04 00 3285118 05 09/01/04 0.0000 3285118 N 08/01/19 0 9546897 286/286 F 95,000.00 ZZ 180 93,076.50 4 6.3750 821.04 55 6.1250 821.04 ALBUQUERQUE NM 87108 5 08/04/04 00 3463467 05 10/01/04 0.0000 3463467 N 09/01/19 0 9546903 286/286 F 94,500.00 ZZ 180 92,238.34 2 6.2500 810.27 70 6.0000 810.27 FARMVILLE VA 23901 5 07/15/04 00 3356128 05 09/01/04 0.0000 3356128 N 08/01/19 0 9546905 286/286 F 126,000.00 ZZ 180 121,122.58 2 6.3750 1088.96 53 6.1250 1088.96 WEST HAVEN CT 06516 2 07/30/04 00 3499074 05 09/01/04 0.0000 3499074 N 08/01/19 0 9551077 196/G02 F 143,000.00 ZZ 180 134,540.21 2 6.5000 1245.69 58 6.2500 1245.69 SUMMIT IL 60501 2 08/09/04 00 0438392722 05 10/01/04 0.0000 2315889 O 09/01/19 0 9565149 E22/G02 F 98,500.00 ZZ 180 96,660.46 1 5.2500 791.82 45 5.0000 791.82 FALMOUTH ME 04105 2 09/10/04 00 0421807330 05 11/01/04 0.0000 0421807330 O 10/01/19 0 9569549 K15/G02 F 117,500.00 ZZ 180 114,915.22 1 5.3750 952.30 59 5.1250 952.30 RIDGECREST CA 93555 5 08/26/04 00 0438436396 05 10/01/04 0.0000 019805523857 O 09/01/19 0 9570251 E22/G02 F 99,800.00 ZZ 180 98,048.76 1 5.8750 835.44 67 5.6250 835.44 BROKEN ARROW OK 74014 2 09/13/04 00 0421779489 05 11/01/04 0.0000 0421779489 O 10/01/19 0 9571523 X21/G02 F 85,000.00 ZZ 180 83,554.51 1 6.2500 728.81 90 6.0000 728.81 STONY POINT NC 28678 2 08/30/04 12 0438433120 05 11/01/04 12.0000 716197 O 10/01/19 0 9574721 E22/G02 F 92,000.00 ZZ 180 90,317.26 1 5.3750 745.63 58 5.1250 745.63 DENVER CO 80219 2 09/15/04 00 0421848797 07 11/01/04 0.0000 0421848797 O 10/01/19 0 9578248 956/G02 F 328,000.00 ZZ 180 220,013.21 1 5.5000 2680.03 80 5.2500 2680.03 ARLETA CA 91331 5 11/18/04 00 0438768558 05 01/01/05 0.0000 1814090435 O 12/01/19 0 9578250 956/G02 F 168,000.00 ZZ 180 166,183.60 1 5.5000 1372.70 75 5.2500 1372.70 LANCASTER CA 93535 5 11/03/04 00 0438768566 05 01/01/05 0.0000 1914100042 O 12/01/19 0 9578252 956/G02 F 115,000.00 ZZ 180 113,743.58 2 5.3750 932.04 70 5.1250 932.04 PROVO UT 84606 2 11/11/04 00 0438768574 05 01/01/05 0.0000 2214100200 N 12/01/19 0 9578254 956/G02 F 324,000.00 ZZ 180 318,883.90 1 5.5000 2647.35 80 5.2500 2647.35 CENTENNIAL CO 80122 5 10/14/04 00 0438768582 03 12/01/04 0.0000 2414090082 O 11/01/19 0 9578256 956/G02 F 205,000.00 ZZ 180 202,037.96 1 5.5000 1675.02 74 5.2500 1675.02 SPRINGFIELD PA 19064 5 10/19/04 00 0438768590 05 12/01/04 0.0000 3814100019 O 11/01/19 0 9578258 956/G02 F 507,000.00 ZZ 180 497,101.28 1 5.5000 4142.61 54 5.2500 4142.61 VIENNA VA 22182 5 11/08/04 00 0438768616 03 01/01/05 0.0000 4414080062 N 12/01/19 0 9578260 956/G02 F 115,000.00 ZZ 180 113,162.65 1 5.6250 947.29 43 5.3750 947.29 SACRAMENTO CA 95828 5 10/27/04 00 0438768640 05 12/01/04 0.0000 4514100034 O 11/01/19 0 9578262 956/G02 F 200,000.00 ZZ 180 183,326.98 1 5.3750 1620.93 73 5.1250 1620.93 DULUTH GA 30097 2 11/18/04 00 0438768657 03 01/01/05 0.0000 4614100126 O 12/01/19 0 9581485 E22/G02 F 88,000.00 ZZ 180 86,255.82 1 5.8750 736.66 80 5.6250 736.66 WARREN MI 48091 1 09/22/04 00 0421861980 05 11/01/04 0.0000 0421861980 N 10/01/19 0 9585025 F09/G02 F 38,250.00 ZZ 180 37,070.49 1 6.5000 333.20 90 6.2500 333.20 DALLAS TX 75218 1 07/20/04 11 0438441776 05 09/01/04 30.0000 4000127385 O 08/01/19 0 9585151 F09/G02 F 63,500.00 ZZ 180 62,159.52 1 5.8750 531.58 67 5.6250 531.58 AKRON OH 44314 5 07/29/04 00 0438439135 05 10/01/04 0.0000 4000122693 O 09/01/19 0 9585217 F09/G02 F 84,000.00 ZZ 180 81,931.75 1 6.2500 720.24 80 6.0000 720.24 CLOQUET MN 55720 1 07/23/04 00 0438439424 05 09/01/04 0.0000 4000122013 O 08/01/19 0 9585251 F09/G02 F 47,300.00 ZZ 180 46,156.15 1 6.1250 402.35 79 5.8750 402.35 ELTON LA 70532 2 07/30/04 00 0438439556 05 09/01/04 0.0000 4000119815 O 08/01/19 0 9585375 F09/G02 F 305,000.00 ZZ 180 293,939.38 3 6.2500 2615.14 60 6.0000 2615.14 GUTTENBERG NJ 07093 5 07/15/04 00 0438440075 05 09/01/04 0.0000 4000113261 O 08/01/19 0 9585389 F09/G02 F 148,000.00 ZZ 180 144,940.11 1 6.1250 1258.93 79 5.8750 1258.93 STRONGSVILLE OH 44136 5 07/28/04 00 0438440141 05 10/01/04 0.0000 4000114196 O 09/01/19 0 9585395 F09/G02 F 111,250.00 ZZ 180 108,669.53 2 6.6250 976.77 56 6.3750 976.77 EAST HARTFORD CT 06108 5 07/23/04 00 0438440166 05 09/01/04 0.0000 4000114846 N 08/01/19 0 9585439 F09/G02 F 74,000.00 ZZ 180 72,173.09 2 5.8750 619.47 50 5.6250 619.47 SPRINGFIELD MA 01013 5 07/28/04 00 0438440364 05 09/01/04 0.0000 4000111935 N 08/01/19 0 9585445 F09/G02 F 81,600.00 ZZ 180 79,707.24 2 6.6250 716.45 80 6.3750 716.45 SAINT ANN MO 63074 5 07/16/04 00 0438440398 05 09/01/04 0.0000 4000112053 O 08/01/19 0 9585471 F09/G02 F 113,000.00 ZZ 180 109,093.00 2 6.6250 992.14 70 6.3750 992.14 MIDDLETOWN CT 06457 1 07/29/04 00 0438440513 05 09/01/04 0.0000 4000107623 O 08/01/19 0 9585523 F09/G02 F 102,800.00 ZZ 180 99,978.46 1 6.2500 881.44 79 6.0000 881.44 BRIGHAM CITY UT 84302 5 06/15/04 00 0438440745 05 08/01/04 0.0000 4000105415 O 07/01/19 0 9585579 F09/G02 F 89,950.00 ZZ 180 87,774.78 1 6.1250 765.14 50 5.8750 765.14 LOGANVILLE GA 30052 1 07/14/04 00 0438441008 05 09/01/04 0.0000 4000102118 O 08/01/19 0 9586763 944/G02 F 91,000.00 ZZ 180 89,335.52 1 5.3750 737.53 70 5.1250 737.53 MERRILLVILLE IN 46410 5 08/27/04 00 0438454589 05 11/01/04 0.0000 W01775653 O 10/01/19 0 9587839 J53/J53 F 125,000.00 ZZ 180 122,100.62 1 6.6250 1097.49 90 6.3750 1097.49 CANADIAN TX 79014 1 07/13/04 12 11140985 05 09/01/04 25.0000 11140985 O 08/01/19 0 9595425 E22/G02 F 100,000.00 TX 180 95,406.12 1 5.7500 830.41 69 5.5000 830.41 SAN ANTONIO TX 78230 5 09/24/04 00 0421962937 05 11/01/04 0.0000 0421962937 O 10/01/19 0 9600995 P27/G02 F 77,000.00 ZZ 180 75,391.39 1 6.0000 649.77 79 5.7500 649.77 KINGMAN AZ 86401 5 08/20/04 00 0438455214 05 10/01/04 0.0000 IA2110920998 O 09/01/19 0 9602224 E23/G02 F 67,000.00 T 180 66,533.16 1 5.8750 560.87 30 5.6250 560.87 SAN JACINTO CA 92582 2 12/07/04 00 0438804353 05 02/01/05 0.0000 51047798 O 01/01/20 0 9604767 225/G02 F 139,100.00 ZZ 180 132,898.95 1 6.3750 1202.18 80 6.1250 1202.18 TUCSON AZ 85747 1 06/22/04 00 0438474306 03 08/01/04 0.0000 9544663 N 07/01/19 0 9607004 E23/G02 F 325,600.00 ZZ 180 323,282.94 1 5.6250 2682.07 80 5.3750 2682.07 LINDEN CA 95236 5 12/15/04 00 0438810186 05 02/01/05 0.0000 82000432 O 01/01/20 0 9607710 956/956 F 290,000.00 ZZ 180 286,831.68 1 5.3750 2350.35 52 5.1250 2350.35 VENTURA CA 93003 5 11/24/04 00 2914110013 05 01/01/05 0.0000 2914110013 O 12/01/19 0 9608079 E22/G02 F 95,000.00 ZZ 180 93,315.53 1 5.7500 788.89 58 5.5000 788.89 VANCOUVER WA 98684 2 09/27/04 00 0422023713 05 11/01/04 0.0000 0422023713 N 10/01/19 0 9608087 E22/G02 F 94,000.00 ZZ 180 92,333.23 1 5.7500 780.59 58 5.5000 780.59 VANCOUVER WA 98684 2 09/27/04 00 0422034918 05 11/01/04 0.0000 0422034918 N 10/01/19 0 9608089 E22/G02 F 95,000.00 ZZ 180 93,315.53 1 5.7500 788.89 58 5.5000 788.89 VANCOUVER WA 98684 2 09/27/04 00 0422035659 05 11/01/04 0.0000 0422035659 N 10/01/19 0 9609229 U05/G02 F 94,400.00 ZZ 180 92,407.31 1 5.8750 790.24 80 5.6250 790.24 HOUSTON TX 77060 2 08/25/04 00 0438493629 03 10/01/04 0.0000 3000653620 O 09/01/19 0 9610045 E22/G02 F 96,000.00 ZZ 180 94,669.66 1 6.0000 810.10 80 5.7500 810.10 NASHVILLE TN 37217 5 10/07/04 00 0422020578 05 12/01/04 0.0000 0422020578 N 11/01/19 0 9610843 808/G02 F 93,000.00 ZZ 180 90,669.97 4 6.7500 822.97 62 6.5000 822.97 HILLSBORO OR 97123 2 07/12/04 00 0438502338 05 09/01/04 0.0000 9335060 N 08/01/19 0 9614456 Y21/G02 F 88,650.00 TX 180 87,730.93 1 6.0000 748.08 75 5.7500 748.08 KATY TX 77449 5 11/30/04 00 0438865230 03 01/01/05 0.0000 204727511 N 12/01/19 0 9614474 Y21/G02 F 175,000.00 ZZ 180 173,767.70 1 5.7500 1453.22 66 5.5000 1453.22 PLYMOUTH CT 06786 5 12/09/04 00 0438858151 05 02/01/05 0.0000 204823391 O 01/01/20 0 9614497 E22/G02 F 89,250.00 ZZ 180 88,038.96 1 6.2500 765.25 85 6.0000 765.25 CROCKER MO 65452 5 10/05/04 10 0422035212 05 12/01/04 6.0000 0422035212 O 11/01/19 0 9614506 Y21/G02 F 102,000.00 ZZ 180 101,266.46 1 5.5000 833.43 79 5.2500 833.43 PLANTATION FL 33325 2 12/23/04 00 0438857872 01 02/01/05 0.0000 204886121 O 01/01/20 0 9614526 Y21/G02 F 200,000.00 ZZ 180 198,065.33 1 5.3750 1620.94 61 5.1250 1620.94 SAN PEDRO CA 90732 5 12/15/04 00 0438860207 01 02/01/05 0.0000 204896878 O 01/01/20 0 9614532 Y21/G02 F 449,000.00 ZZ 180 447,372.16 1 5.3750 3638.99 41 5.1250 3638.99 HUNTERSVILLE NC 28078 2 12/28/04 00 0438851735 05 03/01/05 0.0000 204900824 O 02/01/20 0 9614552 Y21/G02 F 68,000.00 ZZ 180 67,471.17 1 6.2500 583.05 80 6.0000 583.05 METAIRIE LA 70005 1 12/31/04 00 0438862484 05 02/01/05 0.0000 204933935 N 01/01/20 0 9617601 601/G02 F 91,425.00 ZZ 180 88,447.69 1 5.6250 753.10 77 5.3750 753.10 DENHAM SPRINGSLA 70706 5 05/03/04 00 0438554164 05 07/01/04 0.0000 6419753 O 06/01/19 0 9618083 E11/G02 F 179,000.00 ZZ 180 176,418.04 1 5.8750 1498.44 73 5.6250 1498.44 SAINT PAUL MN 55104 5 10/07/04 00 0438545444 05 12/01/04 0.0000 0010001072417 O 11/01/19 0 9622801 E22/G02 F 87,200.00 ZZ 180 85,966.02 1 5.7500 724.12 80 5.5000 724.12 EL PASO TX 79938 1 10/14/04 00 0421923228 05 12/01/04 0.0000 0421923228 O 11/01/19 0 9624671 E22/G02 F 92,800.00 TX 180 91,473.03 1 5.6250 764.42 80 5.3750 764.42 WYLIE TX 75098 5 10/13/04 00 0422110643 05 12/01/04 0.0000 0422110643 O 11/01/19 0 9624755 E22/G02 F 94,500.00 ZZ 180 93,134.58 1 5.5000 772.14 46 5.2500 772.14 METAIRIE LA 70001 2 10/13/04 00 0422051912 05 12/01/04 0.0000 0422051912 O 11/01/19 0 9629937 E22/G02 F 119,900.00 ZZ 120 116,632.82 1 5.3750 1293.82 68 5.1250 1293.82 SAN ANTONIO TX 78258 2 10/15/04 00 0422119297 05 12/01/04 0.0000 0422119297 O 11/01/14 0 9629989 E22/G02 F 87,500.00 ZZ 180 86,134.32 1 5.5000 714.95 38 5.2500 714.95 WHEELING IL 60090 5 10/15/04 00 0422152744 05 12/01/04 0.0000 0422152744 O 11/01/19 0 9630219 E22/G02 F 95,000.00 ZZ 120 92,601.24 1 5.5000 1031.00 53 5.2500 1031.00 FORT COLLINS CO 80524 2 10/15/04 00 0422336305 05 12/01/04 0.0000 0422336305 O 11/01/14 0 9631817 Y40/G02 F 87,500.00 ZZ 180 86,248.79 1 5.6250 720.77 75 5.3750 720.77 VALDOSTA GA 31602 1 10/15/04 00 0438659039 05 12/01/04 0.0000 90262097 O 11/01/19 0 9632357 E82/G02 F 192,000.00 ZZ 180 189,311.25 2 5.8750 1607.27 77 5.6250 1607.27 BRIARWOOD NY 11435 2 10/20/04 00 0401032370 05 12/01/04 0.0000 0401032370 O 11/01/19 0 9633880 286/286 F 100,000.00 ZZ 180 99,303.22 2 5.8750 837.12 55 5.6250 837.12 CATONSVILLE MD 21228 5 01/04/05 00 0003735886 07 02/01/05 0.0000 0003735886 N 01/01/20 0 9633882 286/286 F 40,000.00 ZZ 180 39,798.02 1 7.0000 359.54 22 6.7500 359.54 LONDONDERRY NH 03053 1 01/05/05 00 0003737316 01 03/01/05 0.0000 0003737316 O 02/01/20 0 9633884 286/286 F 138,480.00 ZZ 180 138,008.87 1 6.1250 1177.95 80 5.8750 1177.95 CHARLOTTESVILLVA 22901 5 01/07/05 00 0003738508 07 03/01/05 0.0000 0003738508 N 02/01/20 0 9633886 286/286 F 152,000.00 ZZ 180 151,477.33 1 6.0000 1282.67 80 5.7500 1282.67 WATERFORD PA 16441 5 01/07/05 00 0003750201 05 03/01/05 0.0000 0003750201 O 02/01/20 0 9633888 286/286 F 127,000.00 ZZ 180 126,544.38 2 5.5000 1037.70 80 5.2500 1037.70 VERMILION OH 44089 1 01/14/05 00 0003758635 05 03/01/05 0.0000 0003758635 O 02/01/20 0 9633890 286/286 F 155,000.00 ZZ 180 154,008.45 3 6.8750 1382.38 57 6.6250 1382.38 WEBSTER MA 01570 5 01/05/05 00 0003761252 05 02/01/05 0.0000 0003761252 N 01/01/20 0 9633892 286/286 F 235,000.00 ZZ 180 234,191.93 1 6.0000 1983.07 80 5.7500 1983.07 FREEHOLD NJ 07728 1 01/10/05 00 0003768981 05 03/01/05 0.0000 0003768981 O 02/01/20 0 9633894 286/286 F 46,875.00 ZZ 180 46,709.97 1 6.2500 401.92 80 6.0000 401.92 TEXICO NM 88135 5 01/13/05 00 0003781115 05 03/01/05 0.0000 0003781115 N 02/01/20 0 9633898 286/286 F 100,000.00 ZZ 180 99,663.40 1 6.2500 857.43 26 6.0000 857.43 BALTIMORE MD 21231 1 01/07/05 00 0003791596 07 03/01/05 0.0000 0003791596 O 02/01/20 0 9633900 286/286 F 43,500.00 ZZ 180 43,351.10 1 6.2500 372.98 63 6.0000 372.98 WEST MIFFLIN PA 15122 2 01/06/05 00 0003794763 05 03/01/05 0.0000 0003794763 O 02/01/20 0 9633902 286/286 F 57,400.00 ZZ 180 57,210.90 1 6.5000 500.02 70 6.2500 500.02 TRENTON NJ 08611 5 01/20/05 00 0003795427 07 03/01/05 0.0000 0003795427 N 02/01/20 0 9633904 286/286 F 57,200.00 ZZ 180 57,007.47 1 6.2500 490.45 80 6.0000 490.45 VIRGINIA BEACHVA 23462 1 01/14/05 00 0003798955 01 03/01/05 0.0000 0003798955 N 02/01/20 0 9633906 286/286 F 50,400.00 ZZ 180 50,233.96 1 6.5000 439.04 80 6.2500 439.04 CLOVIS NM 88101 1 01/10/05 00 0003803072 05 03/01/05 0.0000 0003803072 N 02/01/20 0 9633908 286/286 F 100,000.00 T 180 99,677.59 1 6.7500 884.91 59 6.5000 884.91 ANNVILLE PA 17003 1 01/21/05 00 0003815443 05 03/01/05 0.0000 0003815443 O 02/01/20 0 9633910 286/286 F 236,000.00 ZZ 180 235,179.82 1 5.8750 1975.60 80 5.6250 1975.60 CIRCLE PINES MN 55014 2 01/13/05 00 0003826186 05 03/01/05 0.0000 0003826186 O 02/01/20 0 9633912 286/286 F 95,000.00 ZZ 180 94,662.76 1 5.6250 782.55 32 5.3750 782.55 CLE ELUM WA 98922 1 01/19/05 00 0003842615 05 03/01/05 0.0000 0003842615 O 02/01/20 0 9634096 286/286 F 76,000.00 ZZ 180 75,733.05 1 5.7500 631.12 45 5.5000 631.12 CALIFORNIA KY 41007 2 12/30/04 00 0003758521 05 03/01/05 0.0000 0003758521 O 02/01/20 0 9634142 286/286 F 308,000.00 ZZ 180 306,895.05 1 5.5000 2516.62 80 5.2500 2516.62 AUSTIN TX 78705 1 01/11/05 00 0003781100 05 03/01/05 0.0000 0003781100 N 02/01/20 0 9634673 286/286 F 95,000.00 ZZ 180 92,419.68 1 5.8750 795.27 63 5.6250 795.27 WASHINGTON DC 20019 2 08/31/04 00 3527483 07 10/01/04 0.0000 3527483 N 09/01/19 0 9634683 286/286 F 122,500.00 ZZ 180 120,121.91 4 6.8750 1092.53 70 6.6250 1092.53 MIAMISBURG OH 45342 2 08/10/04 00 3447458 05 10/01/04 0.0000 3447458 N 09/01/19 0 9634789 286/286 F 93,600.00 ZZ 120 90,152.52 1 6.1250 1045.04 33 5.8750 1045.04 COLUMBIA MD 21044 2 08/30/04 00 3521668 05 10/01/04 0.0000 3521668 N 09/01/14 0 9634807 286/286 F 88,400.00 ZZ 180 86,857.55 1 6.1250 751.96 87 5.8750 751.96 LYNCHBURG VA 24503 2 09/22/04 12 3488844 05 11/01/04 20.0000 3488844 N 10/01/19 0 9635886 F28/G02 F 381,000.00 ZZ 180 373,466.10 1 6.3750 3292.79 80 6.1250 3292.79 ANNAPOLIS MD 21401 5 08/31/04 00 0438917429 05 11/01/04 0.0000 1380347 O 10/01/19 0 9635924 F28/G02 F 479,280.00 ZZ 180 471,299.26 1 6.5000 4175.05 80 6.2500 4175.05 MIDDLEFIELD CT 06455 5 09/13/04 00 0438917361 05 11/01/04 0.0000 2043953 O 10/01/19 0 9635938 F28/G02 F 480,000.00 ZZ 180 474,337.54 1 5.7500 3985.97 80 5.5000 3985.97 MODESTO CA 95356 5 11/16/04 00 0438909129 03 01/01/05 0.0000 2367949 O 12/01/19 0 9636370 Y21/G02 F 107,500.00 ZZ 180 107,134.27 1 6.1250 914.43 68 5.8750 914.43 PATCHOGUE NY 11772 5 01/31/05 00 0438919995 01 03/01/05 0.0000 204939178 N 02/01/20 0 9639144 956/956 F 166,000.00 ZZ 180 165,385.41 1 5.1250 1323.55 59 4.8750 1323.55 SACRAMENTO CA 95821 2 01/14/05 00 314120040 05 03/01/05 0.0000 314120040 O 02/01/20 0 9639146 956/956 F 215,000.00 ZZ 180 214,195.62 1 5.0000 1700.21 52 4.7500 1700.21 SANTA ROSA CA 95407 5 01/13/05 00 814120049 05 03/01/05 0.0000 814120049 O 02/01/20 0 9639148 956/956 F 165,000.00 ZZ 180 164,401.79 1 5.3750 1337.27 62 5.1250 1337.27 LINDEN NJ 07036 5 01/12/05 00 915010008 05 03/01/05 0.0000 915010008 O 02/01/20 0 9639150 956/956 F 285,000.00 ZZ 180 283,944.83 1 5.1250 2272.36 50 4.8750 2272.36 NEWBURY PARK CA 91320 5 01/05/05 00 2914120054 05 03/01/05 0.0000 2914120054 O 02/01/20 0 9639152 956/956 F 222,300.00 ZZ 180 221,502.49 1 5.5000 1816.38 70 5.2500 1816.38 LAFAYETTE LA 70501 5 01/11/05 00 3215010018 05 03/01/05 0.0000 3215010018 O 02/01/20 0 9639154 956/956 F 110,000.00 ZZ 180 109,192.20 1 5.2500 884.27 49 5.0000 884.27 LEVITTOWN PA 19054 5 12/30/04 00 3814120060 05 02/01/05 0.0000 3814120060 O 01/01/20 0 9639156 956/956 F 189,000.00 ZZ 180 187,612.07 1 5.2500 1519.33 70 5.0000 1519.33 SEMINOLE FL 33772 5 12/30/04 00 4114120015 05 02/01/05 0.0000 4114120015 O 01/01/20 0 9642705 E22/G02 F 84,000.00 ZZ 180 82,823.67 2 5.8750 703.18 80 5.6250 703.18 KENNEWICK WA 99336 2 10/19/04 00 0422013961 05 12/01/04 0.0000 0422013961 O 11/01/19 0 9650118 Y21/G02 F 57,000.00 ZZ 180 56,797.02 1 5.6250 469.53 49 5.3750 469.53 PARIS TN 38242 2 01/27/05 00 0438978926 05 03/01/05 0.0000 204892856 O 02/01/20 0 9650120 Y21/G02 F 359,650.00 ZZ 180 358,386.75 1 5.7500 2986.57 63 5.5000 2986.57 CHARLOTTE NC 28226 5 01/24/05 00 0438986705 05 03/01/05 0.0000 204904862 O 02/01/20 0 9650122 Y21/G02 F 112,000.00 ZZ 180 111,602.42 1 5.6250 922.58 80 5.3750 922.58 KENNESAW GA 30144 2 01/25/05 00 0438977043 05 03/01/05 0.0000 204908833 O 02/01/20 0 9650124 Y21/G02 F 100,000.00 T 180 99,641.24 1 5.5000 817.09 80 5.2500 817.09 OCALA FL 34476 1 01/26/05 00 0438976730 09 03/01/05 0.0000 204921414 O 02/01/20 0 9650126 Y21/G02 F 523,000.00 ZZ 180 521,103.86 1 5.3750 4238.74 67 5.1250 4238.74 GLEN MILLS PA 19342 2 01/19/05 00 0438977829 03 03/01/05 0.0000 204947073 O 02/01/20 0 9650128 Y21/G02 F 152,950.00 ZZ 180 152,395.48 1 5.3750 1239.61 70 5.1250 1239.61 PENSACOLA FL 32504 5 01/26/05 00 0438976417 05 03/01/05 0.0000 205000762 O 02/01/20 0 9650130 Y21/G02 F 142,200.00 ZZ 180 141,705.80 1 5.8750 1190.39 90 5.6250 1190.39 PENNSAUKEN NJ 08110 1 01/28/05 14 0438976144 05 03/01/05 12.0000 205004881 O 02/01/20 0 9650132 Y21/G02 F 125,000.00 ZZ 180 124,546.81 1 5.3750 1013.09 79 5.1250 1013.09 LAWRENCEVILLE GA 30043 5 01/24/05 00 0438978496 05 03/01/05 0.0000 205008011 O 02/01/20 0 9650136 Y21/G02 F 180,000.00 ZZ 120 178,863.90 1 5.3750 1942.35 77 5.1250 1942.35 HANOVER PARK IL 60133 2 01/31/05 00 0438975377 05 03/01/05 0.0000 205061001 O 02/01/15 0 9650991 T53/G02 F 450,000.00 ZZ 180 443,497.95 1 5.5000 3676.88 75 5.2500 3676.88 CLAREMONT CA 91711 5 10/15/04 00 0438588261 05 12/01/04 0.0000 31002908 O 11/01/19 0 9653763 E22/G02 F 400,000.00 ZZ 180 394,220.43 1 5.5000 3268.33 80 5.2500 3268.33 SHREWSBURY BORNJ 07702 5 10/26/04 00 0422397745 05 12/01/04 0.0000 0422397745 O 11/01/19 0 9656205 M07/G02 F 94,000.00 ZZ 180 92,669.78 1 5.7500 780.59 34 5.5000 780.59 CHINO CA 91710 2 10/26/04 00 0438589756 05 12/01/04 0.0000 02410181 O 11/01/19 0 9656293 624/G02 F 93,600.00 ZZ 180 92,289.58 1 6.2500 802.55 80 6.0000 802.55 HOUSTON TX 77061 1 10/18/04 00 0438593246 05 12/01/04 0.0000 1000066872 O 11/01/19 0 9659885 F34/G02 F 165,000.00 ZZ 180 162,615.91 1 5.5000 1348.19 36 5.2500 1348.19 SAN MARCOS CA 92069 5 10/29/04 00 0438663742 05 12/04/04 0.0000 4900409269 N 11/04/19 0 9661943 U42/G02 F 88,800.00 ZZ 180 87,209.93 1 5.8750 743.36 80 5.6250 743.36 FORT WORTH TX 76133 1 10/28/04 00 0438597718 05 12/01/04 0.0000 12404328 N 11/01/19 0 9663169 E22/G02 F 96,000.00 TX 180 94,994.21 1 5.8750 803.63 80 5.6250 803.63 ENNIS TX 75119 5 11/03/04 00 0422201020 05 01/01/05 0.0000 0422201020 O 12/01/19 0 9667287 Y69/G02 F 485,250.00 ZZ 180 478,079.64 1 6.0000 4094.82 75 5.7500 4094.82 POTOMAC MD 20854 5 10/11/04 00 0438607186 05 12/01/04 0.0000 5010014597 N 11/01/19 0 9668883 Y69/G02 F 140,000.00 T 180 135,613.67 1 5.1250 1116.25 67 4.8750 1116.25 BRECKENRIDGE CO 80424 1 10/14/04 00 0438610347 01 12/01/04 0.0000 3030014817 O 11/01/19 0 9675015 E22/G02 F 90,000.00 ZZ 180 89,057.03 1 5.8750 753.41 75 5.6250 753.41 KENNER LA 70065 2 11/15/04 00 0422422972 05 01/01/05 0.0000 0422422972 N 12/01/19 0 9685025 E22/G02 F 133,000.00 ZZ 180 131,562.02 1 5.5000 1086.72 95 5.2500 1086.72 SPOKANE VALLEYWA 99216 2 11/11/04 01 0422549477 05 01/01/05 25.0000 0422549477 O 12/01/19 0 9687009 E22/G02 F 96,400.00 T 180 95,346.80 1 5.3750 781.29 80 5.1250 781.29 PRAIRIE VILLAGKS 66208 1 11/18/04 00 0422484923 05 01/01/05 0.0000 0422484923 O 12/01/19 0 9687249 286/286 F 72,000.00 ZZ 180 70,916.54 1 6.0000 607.58 72 5.7500 607.58 MELROSE NM 88124 5 10/08/04 00 3599863 05 12/01/04 0.0000 3599863 O 11/01/19 0 9687251 286/286 F 35,900.00 ZZ 180 34,581.01 1 5.6250 295.72 31 5.3750 295.72 BOSSIER CITY LA 71111 1 10/29/04 00 3671524 03 12/01/04 0.0000 3671524 O 11/01/19 0 9687259 286/286 F 380,000.00 ZZ 180 373,390.84 1 5.2500 3054.74 40 5.0000 3054.74 HADDONFIELD NJ 08033 2 10/28/04 00 3659638 05 12/01/04 0.0000 3659638 O 11/01/19 0 9687271 286/286 F 341,600.00 ZZ 180 335,542.99 1 5.7500 2836.68 80 5.5000 2836.68 BLOOMINGTON IN 47408 1 09/24/04 00 3535057 05 11/01/04 0.0000 3535057 O 10/01/19 0 9687279 286/286 F 62,500.00 ZZ 180 61,605.39 1 6.1250 531.65 53 5.8750 531.65 SAN DIEGO CA 92104 5 10/04/04 00 3574872 01 12/01/04 0.0000 3574872 N 11/01/19 0 9687311 286/286 F 71,000.00 ZZ 180 70,016.09 1 6.0000 599.14 35 5.7500 599.14 CHARLOTTESVILLVA 22903 2 10/20/04 00 3616358 05 12/01/04 0.0000 3616358 N 11/01/19 0 9687319 286/286 F 64,800.00 ZZ 180 63,605.83 1 5.8750 542.46 80 5.6250 542.46 ASHLAND KY 41102 1 09/30/04 00 3572407 05 11/01/04 0.0000 3572407 O 10/01/19 0 9687333 286/286 F 41,600.00 ZZ 180 41,011.27 1 5.7500 345.46 80 5.5000 345.46 ELKTON MD 21921 1 10/22/04 00 3642536 05 12/01/04 0.0000 3642536 N 11/01/19 0 9687347 286/286 F 74,000.00 ZZ 180 72,900.52 1 5.5000 604.65 22 5.2500 604.65 POTOMAC MD 20854 2 10/19/04 00 3557812 03 12/01/04 0.0000 3557812 O 11/01/19 0 9689991 X05/G02 F 176,000.00 ZZ 180 174,136.53 1 5.7500 1461.52 80 5.5000 1461.52 LOS ANGELES CA 90222 5 11/09/04 00 0438663288 05 01/01/05 0.0000 11410150 O 12/01/19 0 9690207 E22/G02 F 291,000.00 ZZ 180 287,754.01 1 5.1250 2320.20 70 4.8750 2320.20 FONTANA CA 92337 5 11/12/04 00 0422462903 05 01/01/05 0.0000 0422462903 O 12/01/19 0 9692023 742/G02 F 84,500.00 ZZ 180 83,552.67 1 5.7500 701.70 65 5.5000 701.70 MANLIUS NY 13104 5 11/09/04 00 0438662157 05 01/01/05 0.0000 10550978 O 12/01/19 0 9692561 E22/G02 F 79,000.00 ZZ 180 78,154.74 1 5.6250 650.75 64 5.3750 650.75 JOLIET IL 60436 1 11/22/04 00 0422460915 01 01/01/05 0.0000 0422460915 O 12/01/19 0 9694141 E82/G02 F 92,700.00 ZZ 180 91,406.75 1 5.6250 763.60 49 5.3750 763.60 GRAND JUNCTIONCO 81503 2 11/23/04 00 0401039615 05 01/01/05 0.0000 0401039615 O 12/01/19 0 9694991 E22/G02 F 90,000.00 TX 180 89,086.47 1 6.2500 771.68 72 6.0000 771.68 DALLAS TX 75219 5 11/17/04 00 0422110619 06 01/01/05 0.0000 0422110619 O 12/01/19 0 9696501 E22/G02 F 89,100.00 ZZ 180 87,682.92 1 5.8750 745.87 90 5.6250 745.87 PASADENA TX 77503 2 11/19/04 10 0422451161 05 01/01/05 12.0000 0422451161 O 12/01/19 0 9696791 E22/G02 F 124,000.00 ZZ 180 121,999.90 1 5.8750 1038.03 100 5.6250 1038.03 OMAHA NE 68138 2 11/19/04 04 0422591289 05 01/01/05 30.0000 0422591289 O 12/01/19 0 9697185 462/G02 F 147,200.00 ZZ 180 145,625.02 1 5.6250 1212.54 50 5.3750 1212.54 MESA AZ 85212 1 11/10/04 00 0438664070 03 01/01/05 0.0000 0004826889 O 12/01/19 0 9697443 286/286 F 612,500.00 TX 180 602,564.32 1 5.5000 5004.64 70 5.2500 5004.64 DENTON TX 76210 5 11/04/04 00 3663397 05 01/01/05 0.0000 3663397 O 12/01/19 0 9697447 286/286 F 438,750.00 TX 180 432,277.72 1 5.2500 3527.02 75 5.0000 3527.02 COPPELL TX 75019 5 10/29/04 00 3614110 03 12/01/04 0.0000 3614110 O 11/01/19 0 9697451 286/286 F 336,700.00 ZZ 180 331,550.86 1 5.3750 2728.84 52 5.1250 2728.84 CANYON COUNTRYCA 91387 2 11/03/04 00 3596347 05 01/01/05 0.0000 3596347 O 12/01/19 0 9697455 286/286 F 150,000.00 ZZ 120 147,147.02 1 5.3750 1618.62 38 5.1250 1618.62 SILVER SPRING MD 20904 5 11/03/04 00 3645730 05 01/01/05 0.0000 3645730 O 12/01/14 0 9697459 286/286 F 550,000.00 ZZ 180 543,928.27 1 5.2500 4421.33 67 5.0000 4421.33 SHAKER HEIGHTSOH 44120 1 11/05/04 00 3537999 05 01/01/05 0.0000 3537999 O 12/01/19 0 9697463 286/286 F 360,000.00 ZZ 180 351,384.20 1 6.2500 3086.73 80 6.0000 3086.73 PORTAGE MI 49002 5 07/13/04 00 3304404 05 09/01/04 0.0000 3304404 O 08/01/19 0 9697467 286/286 F 525,000.00 ZZ 180 519,264.22 1 5.3750 4254.95 70 5.1250 4254.95 LOS ANGELES CA 90025 5 11/02/04 00 3678413 05 01/01/05 0.0000 3678413 O 12/01/19 0 9697471 286/286 F 480,000.00 ZZ 180 473,064.50 1 5.5000 3922.00 75 5.2500 3922.00 MIAMI BEACH FL 33139 1 10/13/04 00 3571045 05 12/01/04 0.0000 3571045 O 11/01/19 0 9697475 286/286 F 263,000.00 ZZ 180 259,178.98 1 5.6250 2166.42 43 5.3750 2166.42 FALMOUTH ME 04105 2 11/09/04 00 3692237 05 01/01/05 0.0000 3692237 O 12/01/19 0 9697479 286/286 F 368,650.00 TX 180 361,907.17 1 5.3750 2987.78 75 5.1250 2987.78 DALLAS TX 75287 5 09/24/04 00 3617554 05 11/01/04 0.0000 3617554 O 10/01/19 0 9697483 286/286 F 624,000.00 TX 180 615,169.75 1 5.7500 5181.76 80 5.5000 5181.76 PARKER TX 75002 5 10/25/04 00 3649007 05 12/01/04 0.0000 3649007 O 11/01/19 0 9697491 286/286 F 650,000.00 ZZ 180 642,933.11 1 5.5000 5311.05 78 5.2500 5311.05 LA MIRADA CA 90638 5 10/29/04 00 3198985 05 01/01/05 0.0000 3198985 O 12/01/19 0 9697495 286/286 F 90,000.00 TX 180 89,096.10 1 6.3750 777.83 60 6.1250 777.83 DENTON TX 76201 5 11/05/04 00 3696522 05 01/01/05 0.0000 3696522 O 12/01/19 0 9697593 U05/G02 F 115,000.00 TX 180 113,832.70 1 6.2500 986.04 27 6.0000 986.04 MAGNOLIA TX 77354 5 11/05/04 00 0438670267 05 01/01/05 0.0000 3000678511 O 12/01/19 0 9701171 E22/G02 F 405,000.00 ZZ 180 399,515.20 1 5.5000 3309.19 75 5.2500 3309.19 OCEANSIDE CA 92057 5 11/22/04 00 0422569137 05 01/01/05 0.0000 0422569137 O 12/01/19 0 9703355 U42/G02 F 18,495.00 ZZ 180 18,313.19 1 6.6250 162.38 75 6.3750 162.38 MADILL OK 73446 1 11/22/04 00 0438669830 05 01/01/05 0.0000 14400558 N 12/01/19 0 9703791 E22/G02 F 100,000.00 TX 180 98,952.27 1 5.8750 837.12 47 5.6250 837.12 CHANNELVIEW TX 77530 5 11/24/04 00 0422409482 05 01/01/05 0.0000 0422409482 O 12/01/19 0 9703803 E22/G02 F 65,600.00 ZZ 180 64,934.14 1 6.2500 562.47 80 6.0000 562.47 PENSACOLA FL 32505 5 11/24/04 00 0422419200 05 01/01/05 0.0000 0422419200 O 12/01/19 0 9703991 E22/G02 F 307,000.00 ZZ 180 303,916.46 1 6.3750 2653.25 63 6.1250 2653.25 SIMI VALLEY CA 93063 5 11/22/04 00 0422499285 05 01/01/05 0.0000 0422499285 N 12/01/19 0 9704105 E22/G02 F 87,000.00 TX 180 86,078.85 1 5.7500 722.46 56 5.5000 722.46 POOLVILLE TX 76487 5 11/24/04 00 0422547158 05 01/01/05 0.0000 0422547158 O 12/01/19 0 9705031 944/U57 F 366,000.00 ZZ 180 360,345.43 1 5.3750 2966.30 74 5.1250 2966.30 PITTSBURG CA 94565 5 10/25/04 00 0438686461 05 12/01/04 0.0000 01785768 O 11/01/19 0 9705395 E22/G02 F 26,000.00 ZZ 180 25,736.09 1 6.2500 222.93 73 6.0000 222.93 HOUSTON TX 77099 1 11/30/04 00 0422424671 01 01/01/05 0.0000 0422424671 O 12/01/19 0 9705445 E22/G02 F 244,000.00 ZZ 180 241,306.37 1 5.2500 1961.46 80 5.0000 1961.46 MANSFIELD TOWNNJ 07840 5 11/22/04 00 0422496661 05 01/01/05 0.0000 0422496661 O 12/01/19 0 9707481 N74/G02 F 27,250.00 ZZ 180 26,641.23 1 6.0000 229.95 55 5.7500 229.95 HALIFAX VA 24558 5 11/18/04 00 0438680142 05 12/23/04 0.0000 0035496010 O 11/23/19 0 9708819 E22/G02 F 90,900.00 TX 180 89,937.57 1 5.7500 754.84 64 5.5000 754.84 IRVING TX 75062 5 11/29/04 00 0422514596 03 01/01/05 0.0000 0422514596 O 12/01/19 0 9708965 E82/G02 F 92,250.00 ZZ 120 91,098.41 1 5.6250 1006.87 80 5.3750 1006.87 MISHAWAKA IN 46544 2 12/02/04 00 0401050372 05 02/01/05 0.0000 0401050372 O 01/01/15 0 9709175 E82/G02 F 226,300.00 ZZ 180 224,689.60 1 5.6250 1864.10 27 5.3750 1864.10 GROSSE ILE MI 48138 2 11/30/04 00 0401026406 05 02/01/05 0.0000 0401026406 O 01/01/20 0 9709393 477/G02 F 95,000.00 ZZ 180 93,972.87 1 5.5000 776.23 41 5.2500 776.23 CHINO HILLS CA 91709 5 11/16/04 00 0438711723 01 01/01/05 0.0000 250970 O 12/01/19 0 9711437 696/G02 F 715,000.00 T 180 715,000.00 1 5.6250 3351.56 65 5.3750 3351.56 REHOBOTH DE 19971 5 11/19/04 00 0438682247 05 01/01/05 0.0000 25104236 O 12/01/19 0 9711771 E22/G02 F 68,300.00 ZZ 180 67,839.02 2 6.2500 585.62 48 6.0000 585.62 MANSFIELD TX 76063 2 12/07/04 00 0422473173 05 02/01/05 0.0000 0422473173 N 01/01/20 0 9711781 E22/G02 F 145,800.00 ZZ 180 144,740.43 1 5.3750 1181.66 90 5.1250 1181.66 GREENE ME 04236 5 12/02/04 04 0422486126 05 02/01/05 25.0000 0422486126 O 01/01/20 0 9711809 E22/G02 F 75,500.00 ZZ 180 74,957.04 1 5.5000 616.90 63 5.2500 616.90 HAMPDEN ME 04444 5 12/02/04 00 0422516674 05 02/01/05 0.0000 0422516674 O 01/01/20 0 9712253 944/G02 F 456,000.00 ZZ 180 451,069.77 1 5.5000 3725.90 57 5.2500 3725.90 SAN RAMON CA 94583 5 10/22/04 00 0438696692 03 01/01/05 0.0000 W01787967 O 12/01/19 0 9712335 M27/G02 F 122,400.00 ZZ 180 121,104.05 1 5.7500 1016.42 80 5.5000 1016.42 TYRONZA AR 72386 2 11/29/04 00 0438763898 05 01/01/05 0.0000 5000072310 O 12/01/19 0 9712883 E22/G02 F 318,400.00 ZZ 180 316,157.92 1 5.7500 2644.03 80 5.5000 2644.03 WALNUT SHADE MO 65771 5 12/03/04 00 0422421222 05 02/01/05 0.0000 0422421222 O 01/01/20 0 9712887 E22/G02 F 60,000.00 ZZ 120 59,260.98 1 5.8750 662.36 49 5.6250 662.36 METAIRIE LA 70003 5 12/03/04 00 0422432047 05 02/01/05 0.0000 0422432047 O 01/01/15 0 9712987 E22/G02 F 114,000.00 ZZ 180 113,171.54 1 5.3750 923.93 60 5.1250 923.93 HILLSBORO OR 97123 5 12/03/04 00 0422623462 05 02/01/05 0.0000 0422623462 N 01/01/20 0 9712989 E22/G02 F 123,000.00 ZZ 180 122,106.14 1 5.3750 996.87 60 5.1250 996.87 BEAVERTON OR 97006 5 12/02/04 00 0422623470 05 02/01/05 0.0000 0422623470 N 01/01/20 0 9712991 E22/G02 F 118,800.00 ZZ 180 117,936.67 1 5.3750 962.83 60 5.1250 962.83 HILLSBORO OR 97123 5 12/03/04 00 0422623496 05 02/01/05 0.0000 0422623496 N 01/01/20 0 9712993 E22/G02 F 135,000.00 ZZ 180 134,018.93 1 5.3750 1094.13 60 5.1250 1094.13 WEST LINN OR 97068 5 12/02/04 00 0422623538 07 02/01/05 0.0000 0422623538 N 01/01/20 0 9713263 E82/G02 F 119,000.00 ZZ 180 118,153.16 1 5.6250 980.24 78 5.3750 980.24 LAKE CHARLES LA 70607 2 12/06/04 00 0401049622 05 02/01/05 0.0000 0401049622 O 01/01/20 0 9713645 X05/G02 F 114,000.00 ZZ 180 112,754.52 1 5.3750 923.93 41 5.1250 923.93 TACOMA WA 98445 1 11/29/04 00 0438741175 05 01/01/05 0.0000 09410076 N 12/01/19 0 9713651 X05/G02 F 177,100.00 ZZ 180 175,224.87 1 5.7500 1470.66 70 5.5000 1470.66 MCKINLEYVILLE CA 95519 5 11/23/04 00 0438741183 05 01/01/05 0.0000 014100103 O 12/01/19 0 9714581 U05/G02 F 171,000.00 ZZ 180 168,649.32 2 5.5000 1397.21 90 5.2500 1397.21 HOLLYWOOD FL 33024 1 11/17/04 10 0438769689 05 01/01/05 25.0000 3000679001 O 12/01/19 0 9714583 U85/G02 F 60,300.00 ZZ 180 59,879.85 3 5.8750 504.78 90 5.6250 504.78 DAVENPORT IA 52803 1 12/06/04 48 0438736258 05 02/01/05 12.0000 TQSNGUYEN O 01/01/20 0 9714773 E22/G02 F 171,500.00 ZZ 180 166,667.96 1 5.5000 1401.30 70 5.2500 1401.30 SUGAR LAND TX 77479 1 12/08/04 00 0422791038 03 02/01/05 0.0000 0422791038 O 01/01/20 0 9714911 E82/G02 F 187,500.00 ZZ 180 186,193.55 1 5.8750 1569.60 79 5.6250 1569.60 NEWNAN GA 30263 2 12/08/04 00 0401038807 05 02/01/05 0.0000 0401038807 O 01/01/20 0 9718197 Y65/G02 F 314,000.00 ZZ 180 310,533.59 1 5.2500 2524.18 39 5.0000 2524.18 SOLANA BEACH CA 92075 1 11/11/04 00 0438771198 01 01/01/05 0.0000 40213172 N 12/01/19 0 9718277 Y65/G02 F 204,500.00 ZZ 180 202,242.43 1 5.2500 1643.93 63 5.0000 1643.93 APOPKA FL 32703 5 11/15/04 00 0438770661 03 01/01/05 0.0000 40216634 O 12/01/19 0 9718295 Y65/G02 F 325,500.00 ZZ 180 322,089.67 2 5.8750 2724.82 77 5.6250 2724.82 RICHMOND HILL NY 11419 1 11/19/04 00 0438783581 05 01/01/05 0.0000 40203297 O 12/01/19 0 9718297 Y65/G02 F 1,000,000.00 ZZ 180 989,188.10 1 5.5000 8170.83 45 5.2500 8170.83 NEW YORK NY 10021 5 11/12/04 00 0438765901 08 01/01/05 0.0000 40210997 O 12/01/19 0 9718299 Y65/G02 F 100,000.00 ZZ 180 98,896.05 1 5.2500 803.88 40 5.0000 803.88 COMPTON CA 90222 2 11/04/04 00 0438783557 05 01/01/05 0.0000 40217259 O 12/01/19 0 9718303 Y65/G02 F 136,000.00 ZZ 180 134,498.64 2 5.2500 1093.27 72 5.0000 1093.27 ELGIN IL 60120 2 11/09/04 00 0438772865 05 01/01/05 0.0000 40209277 O 12/01/19 0 9718309 Y65/G02 F 60,000.00 TX 180 59,364.72 1 5.7500 498.25 39 5.5000 498.25 HICKORY CREEK TX 75065 5 11/09/04 00 0438783797 05 01/01/05 0.0000 40216295 O 12/01/19 0 9718311 Y65/G02 F 94,400.00 TX 180 93,368.65 1 5.3750 765.08 80 5.1250 765.08 PLANO TX 75023 5 11/12/04 00 0438784233 05 01/01/05 0.0000 40220378 N 12/01/19 0 9718335 Y65/G02 F 200,000.00 ZZ 180 197,792.08 1 5.2500 1607.76 53 5.0000 1607.76 LOS ANGELES CA 91335 5 10/31/04 00 0438770794 05 01/01/05 0.0000 40213443 N 12/01/19 0 9718341 Y65/G02 F 650,000.00 ZZ 180 625,981.76 1 5.8750 5441.27 45 5.6250 5441.27 UPLAND CA 91784 2 06/28/04 00 0438770620 05 08/01/04 0.0000 40160771 O 07/01/19 0 9718363 Y65/G02 F 178,000.00 ZZ 180 176,014.48 1 5.1250 1419.23 75 4.8750 1419.23 STOCKTON CA 95204 2 11/01/04 00 0438768541 05 01/01/05 0.0000 40213628 N 12/01/19 0 9718365 Y65/G02 F 195,000.00 ZZ 180 192,847.31 1 5.2500 1567.56 26 5.0000 1567.56 LOS ANGELES CA 91344 5 11/11/04 00 0438765968 05 01/01/05 0.0000 40214068 O 12/01/19 0 9718367 Y65/G02 F 384,000.00 ZZ 180 379,760.83 1 5.2500 3086.89 23 5.0000 3086.89 OXNARD CA 93035 2 11/04/04 00 0438770711 03 01/01/05 0.0000 40218885 N 12/01/19 0 9718647 E22/G02 F 75,000.00 ZZ 180 74,477.42 1 5.8750 627.84 39 5.6250 627.84 SPOKANE VALLEYWA 99016 1 12/03/04 00 0422547307 05 02/01/05 0.0000 0422547307 N 01/01/20 0 9718657 E22/G02 F 65,000.00 ZZ 180 64,547.09 1 5.8750 544.13 55 5.6250 544.13 MOBILE AL 36604 5 12/06/04 00 0422557314 05 02/01/05 0.0000 0422557314 O 01/01/20 0 9718691 E22/G02 F 110,400.00 ZZ 180 109,646.90 2 6.1250 939.09 79 5.8750 939.09 SPOKANE VALLEYWA 99206 2 12/07/04 00 0422603928 05 02/01/05 0.0000 0422603928 N 01/01/20 0 9718699 E22/G02 F 136,000.00 ZZ 180 135,042.33 1 5.7500 1129.36 80 5.5000 1129.36 ALLEN PARK MI 48101 5 12/06/04 00 0422608745 05 02/01/05 0.0000 0422608745 O 01/01/20 0 9719321 U42/G02 F 136,800.00 ZZ 180 135,336.33 1 5.6250 1126.86 80 5.3750 1126.86 PLANO TX 75025 1 12/06/04 00 0438736050 03 01/01/05 0.0000 12404630 N 12/01/19 0 9720237 E82/G02 F 77,600.00 ZZ 180 77,059.32 1 5.8750 649.60 24 5.6250 649.60 WHITTIER CA 90606 2 12/07/04 00 0401043666 05 02/01/05 0.0000 0401043666 O 01/01/20 0 9720253 E82/G02 F 150,500.00 ZZ 180 148,969.91 1 5.8750 1259.86 95 5.6250 1259.86 STONE MOUNTAINGA 30088 2 12/09/04 04 0401049036 05 02/01/05 25.0000 0401049036 O 01/01/20 0 9720285 E22/G02 F 67,000.00 ZZ 180 66,533.16 1 5.8750 560.87 79 5.6250 560.87 SHAWNEE OK 74804 5 12/08/04 00 0422396432 05 02/01/05 0.0000 0422396432 O 01/01/20 0 9720367 E22/G02 F 107,200.00 ZZ 180 106,429.08 1 5.5000 875.91 80 5.2500 875.91 HOUSTON TX 77095 2 12/13/04 00 0422579532 03 02/01/05 0.0000 0422579532 N 01/01/20 0 9720461 E22/G02 F 197,500.00 ZZ 180 194,771.63 1 5.8750 1653.31 83 5.6250 1653.31 KENNEDALE TX 76060 2 12/07/04 10 0422647172 05 02/01/05 6.0000 0422647172 O 01/01/20 0 9720473 E22/G02 F 330,000.00 ZZ 180 327,018.18 1 5.5000 2696.38 59 5.2500 2696.38 DUTCH FLAT CA 95714 5 12/03/04 00 0422660159 05 02/01/05 0.0000 0422660159 O 01/01/20 0 9720541 E22/G02 F 114,900.00 ZZ 180 114,073.70 1 5.5000 938.83 95 5.2500 938.83 PENSACOLA FL 32534 5 12/08/04 01 0422695486 05 02/01/05 25.0000 0422695486 O 01/01/20 0 9720613 E22/G02 F 64,000.00 ZZ 180 63,558.76 1 6.0000 540.07 89 5.7500 540.07 CHARLOTTE NC 28262 2 12/13/04 10 0422723221 01 02/01/05 20.0000 0422723221 N 01/01/20 0 9720631 E22/G02 F 69,200.00 ZZ 180 68,711.68 1 5.7500 574.64 80 5.5000 574.64 MESQUITE TX 75149 2 12/08/04 00 0422736256 05 02/01/05 0.0000 0422736256 O 01/01/20 0 9720663 E22/G02 F 77,300.00 ZZ 180 76,778.27 1 6.2500 662.79 72 6.0000 662.79 HOUSTON TX 77072 2 12/08/04 00 0422768648 03 02/01/05 0.0000 0422768648 O 01/01/20 0 9721379 U05/G02 F 113,808.00 ZZ 180 112,615.60 1 5.8750 952.71 74 5.6250 952.71 PINEHURST TX 77362 2 11/22/04 00 0438740375 03 01/01/05 0.0000 3000670479 N 12/01/19 0 9721445 W96/G02 F 122,171.00 ZZ 180 120,530.68 1 6.3750 1055.86 65 6.1250 1055.86 DELTONA FL 32725 1 10/29/04 00 0438715062 03 12/01/04 0.0000 24090064 O 11/01/19 0 9721641 W96/G02 F 50,000.00 ZZ 180 49,492.49 1 6.2500 428.71 39 6.0000 428.71 INDIANTOWN FL 34956 5 11/11/04 00 0438716177 05 01/01/05 0.0000 24110030 O 12/01/19 0 9721653 W96/G02 F 84,000.00 ZZ 180 82,770.46 1 6.6250 737.51 100 6.3750 737.51 RALEIGH NC 27615 1 11/22/04 11 0438716243 01 01/01/05 35.0000 24110066 O 12/01/19 0 9721993 X89/G02 F 89,000.00 ZZ 180 88,373.28 1 5.7500 739.07 53 5.5000 739.07 FAIRFAX VA 22030 2 12/07/04 00 0438784423 01 02/01/05 0.0000 2069830 N 01/01/20 0 9722049 Q87/G02 F 50,000.00 TX 180 49,465.02 1 5.6250 411.87 42 5.3750 411.87 SAN ANTONIO TX 78233 5 11/24/04 00 0438749301 05 01/01/05 0.0000 DOHE02 O 12/01/19 0 9722243 E22/G02 F 56,000.00 ZZ 180 55,613.92 1 6.0000 472.56 80 5.7500 472.56 BOARDMAN OH 44512 2 12/14/04 00 0422665380 05 02/01/05 0.0000 0422665380 N 01/01/20 0 9722249 E22/G02 F 42,500.00 ZZ 180 42,210.08 1 6.1250 361.52 68 5.8750 361.52 FORT WAYNE IN 46806 2 12/14/04 00 0422668764 05 02/01/05 0.0000 0422668764 N 01/01/20 0 9722261 E22/G02 F 62,400.00 ZZ 180 61,960.59 1 5.7500 518.18 80 5.5000 518.18 FORT WAYNE IN 46806 2 12/14/04 00 0422682260 05 02/01/05 0.0000 0422682260 N 01/01/20 0 9722277 E22/G02 F 76,000.00 TX 180 75,464.84 1 5.7500 631.11 58 5.5000 631.11 HURST TX 76054 5 12/09/04 00 0422693275 05 02/01/05 0.0000 0422693275 O 01/01/20 0 9722355 E22/G02 F 75,000.00 ZZ 180 74,449.23 4 5.2500 602.91 75 5.0000 602.91 SPOKANE WA 99201 1 12/09/04 00 0422613075 05 02/01/05 0.0000 0422613075 N 01/01/20 0 9722391 E22/G02 F 64,500.00 ZZ 180 64,045.82 1 5.7500 535.61 90 5.5000 535.61 LAWTON OK 73505 5 12/09/04 10 0422725994 05 02/01/05 12.0000 0422725994 O 01/01/20 0 9722465 E22/G02 F 125,500.00 T 180 124,625.56 1 5.8750 1050.58 62 5.6250 1050.58 ARLEY AL 35541 5 12/14/04 00 0422827451 05 02/01/05 0.0000 0422827451 O 01/01/20 0 9722477 E22/G02 F 60,000.00 ZZ 180 59,577.49 1 5.7500 498.25 16 5.5000 498.25 OAKLAND NJ 07436 5 12/09/04 00 0421962325 05 02/01/05 0.0000 0421962325 O 01/01/20 0 9722827 U05/G02 F 140,000.00 ZZ 180 138,502.09 1 5.6250 1153.22 59 5.3750 1153.22 PORT SAINT LUCFL 34953 1 11/12/04 00 0438740888 05 01/01/05 0.0000 3000680150 O 12/01/19 0 9722843 U05/G02 F 126,500.00 ZZ 180 125,174.65 1 5.8750 1058.95 54 5.6250 1058.95 HYATTSVILLE MD 20783 5 11/11/04 00 0438738403 05 01/01/05 0.0000 3000668430 O 12/01/19 0 9722849 U05/G02 F 203,000.00 ZZ 180 200,157.12 1 6.2500 1740.57 28 6.0000 1740.57 CHICAGO IL 60610 5 12/01/04 00 0438738007 01 01/01/05 0.0000 3000687433 N 12/01/19 0 9722873 U05/G02 F 116,000.00 ZZ 180 114,235.12 1 4.8750 909.79 63 4.6250 909.79 RIVERSIDE CA 92509 5 10/22/04 00 0438736480 05 12/01/04 0.0000 3000676624 O 11/01/19 0 9722889 U05/G02 F 180,000.00 ZZ 180 177,963.89 1 5.5000 1470.75 75 5.2500 1470.75 LOS ANGELES CA 90003 5 11/09/04 00 0438740094 05 01/01/05 0.0000 3000684720 O 12/01/19 0 9724133 N74/G02 F 129,000.00 ZZ 180 127,193.52 1 5.8750 1079.88 74 5.6250 1079.88 NOTTINGHAM MD 21236 2 11/24/04 00 0438742157 05 12/30/04 0.0000 0035559010 O 11/30/19 0 9724511 E82/G02 F 115,200.00 ZZ 180 114,380.22 1 5.6250 948.93 72 5.3750 948.93 WEST PALM BEACFL 33417 2 12/13/04 00 0401041249 03 02/01/05 0.0000 0401041249 O 01/01/20 0 9724517 E82/G02 F 115,900.00 ZZ 180 115,066.51 1 5.5000 947.00 83 5.2500 947.00 SUTHERLIN OR 97479 2 12/13/04 04 0401040662 05 02/01/05 6.0000 0401040662 O 01/01/20 0 9724521 E82/G02 F 132,000.00 ZZ 180 131,040.74 1 5.3750 1069.81 76 5.1250 1069.81 HOUSTON TX 77049 2 12/13/04 00 0401049275 05 02/01/05 0.0000 0401049275 O 01/01/20 0 9724667 E22/G02 F 82,800.00 TX 180 82,210.78 1 5.6250 682.05 79 5.3750 682.05 MANSFIELD TX 76063 5 12/10/04 00 0422524629 05 02/01/05 0.0000 0422524629 O 01/01/20 0 9724683 E22/G02 F 80,000.00 ZZ 180 79,418.62 1 5.3750 648.37 80 5.1250 648.37 NEWINGTON CT 06111 1 12/15/04 00 0422551572 01 02/01/05 0.0000 0422551572 N 01/01/20 0 9724857 E22/G02 F 128,000.00 ZZ 180 127,136.09 2 6.2500 1097.50 70 6.0000 1097.50 PUEBLO WEST CO 81005 2 12/15/04 00 0422602854 05 02/01/05 0.0000 0422602854 N 01/01/20 0 9724867 E22/G02 F 45,000.00 ZZ 180 44,689.75 1 6.0000 379.74 45 5.7500 379.74 PROVO UT 84601 5 12/09/04 00 0422608281 05 02/01/05 0.0000 0422608281 N 01/01/20 0 9724937 E22/G02 F 124,400.00 ZZ 180 123,560.40 2 6.2500 1066.63 68 6.0000 1066.63 PUEBLO WEST CO 81007 2 12/15/04 00 0422659854 05 02/01/05 0.0000 0422659854 N 01/01/20 0 9726055 E82/G02 F 111,150.00 ZZ 180 110,423.50 1 6.6250 975.89 95 6.3750 975.89 STONE MOUNTAINGA 30083 2 12/13/04 04 0401050968 05 02/01/05 30.0000 0401050968 O 01/01/20 0 9726497 N74/G02 F 77,500.00 ZZ 180 76,729.89 1 6.5000 675.11 78 6.2500 675.11 ALMA AR 72921 5 12/02/04 00 0438769515 05 01/07/05 0.0000 0035598010 O 12/07/19 0 9726505 Y65/G02 F 102,000.00 ZZ 180 99,733.07 1 5.2500 819.96 56 5.0000 819.96 HOBE SOUND FL 33455 5 08/17/04 00 0438784530 05 10/01/04 0.0000 40184457 O 09/01/19 0 9726509 Y65/G02 F 267,300.00 ZZ 180 262,461.17 1 5.5000 2184.06 90 5.2500 2184.06 PAHRUMP NV 89048 1 09/02/04 12 0438772717 05 11/01/04 25.0000 40192992 O 10/01/19 0 9726541 Y65/G02 F 400,000.00 ZZ 180 395,809.14 1 5.8750 3348.47 48 5.6250 3348.47 MOUNTAIN VIEW CA 94043 1 11/18/04 00 0438781973 05 01/01/05 0.0000 40209405 N 12/01/19 0 9726561 Y65/G02 F 161,500.00 ZZ 180 159,698.54 1 5.1250 1287.67 63 4.8750 1287.67 COMPTON CA 90222 5 11/04/04 00 0438781684 05 01/01/05 0.0000 40211385 O 12/01/19 0 9726593 Y65/G02 F 165,000.00 ZZ 180 161,241.76 1 5.3750 1337.27 31 5.1250 1337.27 SAN DIEGO CA 92126 5 10/22/04 00 0438779613 05 12/01/04 0.0000 40209353 N 11/01/19 0 9726611 Y65/G02 F 85,000.00 ZZ 180 83,970.89 1 5.3750 688.90 60 5.1250 688.90 MILWAUKEE WI 53209 2 11/10/04 00 0438784217 05 01/01/05 0.0000 40221080 O 12/01/19 0 9726627 Y65/G02 F 94,500.00 ZZ 180 93,520.27 1 6.0000 797.45 75 5.7500 797.45 KATY TX 77450 2 11/11/04 00 0438783300 03 01/01/05 0.0000 40208650 N 12/01/19 0 9726637 Y65/G02 F 150,000.00 ZZ 180 148,378.20 1 5.5000 1225.63 45 5.2500 1225.63 SANTA CLARITA CA 91321 5 11/01/04 00 0438780793 05 01/01/05 0.0000 40209701 O 12/01/19 0 9726709 Y65/G02 F 150,000.00 ZZ 180 148,283.25 1 5.2500 1205.82 61 5.0000 1205.82 CLERMONT FL 34711 1 11/18/04 00 0438780645 05 01/01/05 0.0000 40224365 O 12/01/19 0 9726721 Y65/G02 F 150,000.00 ZZ 180 147,373.61 1 5.5000 1225.63 40 5.2500 1225.63 JASPER TX 75951 1 11/04/04 00 0438781304 05 01/01/05 0.0000 40214023 O 12/01/19 0 9726725 Y65/G02 F 494,000.00 ZZ 180 488,824.26 1 5.8750 4135.37 68 5.6250 4135.37 COLUMBIA MO 65203 2 11/10/04 00 0438782328 05 01/01/05 0.0000 40214692 O 12/01/19 0 9726729 Y65/G02 F 126,050.00 ZZ 180 124,543.87 1 5.3750 1021.60 71 5.1250 1021.60 CANYON LAKE TX 78133 2 11/04/04 00 0438780959 03 01/01/05 0.0000 40212658 O 12/01/19 0 9727517 B42/G02 F 250,000.00 ZZ 180 247,297.01 1 5.5000 2042.71 50 5.2500 2042.71 VALLEJO CA 94591 5 11/10/04 00 0438752958 05 01/01/05 0.0000 67668 N 12/01/19 0 9727545 Y65/G02 F 121,000.00 ZZ 180 119,622.98 1 5.5000 988.67 63 5.2500 988.67 HANOVER PARK IL 60133 5 11/15/04 00 0438784126 05 01/01/05 0.0000 40221224 O 12/01/19 0 9727569 Y65/G02 F 198,250.00 ZZ 180 196,061.41 1 5.2500 1593.69 80 5.0000 1593.69 MANSFIELD TX 76063 1 11/16/04 00 0438782906 05 01/01/05 0.0000 40216663 O 12/01/19 0 9727589 Y65/G02 F 130,000.00 ZZ 180 128,666.41 1 6.1250 1105.81 62 5.8750 1105.81 BAKERSFIELD CA 93314 5 11/01/04 00 0438782823 05 01/01/05 0.0000 40217947 O 12/01/19 0 9727597 Y65/G02 F 160,000.00 ZZ 180 158,177.98 1 4.8750 1254.88 54 4.6250 1254.88 LA PUENTE CA 91744 5 11/01/04 00 0438782146 05 01/01/05 0.0000 40206960 O 12/01/19 0 9727635 Y65/G02 F 60,000.00 ZZ 180 59,330.73 1 5.1250 478.39 65 4.8750 478.39 NEW PORT RICHEFL 34653 5 11/17/04 00 0438783607 05 01/01/05 0.0000 40221925 N 12/01/19 0 9728629 E22/G02 F 28,500.00 ZZ 180 28,303.51 1 6.0000 240.50 75 5.7500 240.50 HARRISBURG PA 17103 1 12/17/04 00 0422429894 07 02/01/05 0.0000 0422429894 N 01/01/20 0 9728685 E22/G02 F 27,750.00 ZZ 180 27,558.68 1 6.0000 234.17 75 5.7500 234.17 HARRISBURG PA 17103 1 12/17/04 00 0422544833 07 02/01/05 0.0000 0422544833 N 01/01/20 0 9728789 E22/G02 F 27,750.00 ZZ 180 27,558.68 1 6.0000 234.17 75 5.7500 234.17 HARRISBURG PA 17110 1 12/17/04 00 0422735050 07 02/01/05 0.0000 0422735050 N 01/01/20 0 9728823 E22/G02 F 128,000.00 ZZ 180 127,069.78 1 5.3750 1037.40 80 5.1250 1037.40 LAS VEGAS NV 89102 1 12/10/04 00 0422838508 05 02/01/05 0.0000 0422838508 N 01/01/20 0 9728833 E22/G02 F 28,500.00 ZZ 180 28,303.51 1 6.0000 240.50 75 5.7500 240.50 HARRISBURG PA 17103 1 12/17/04 00 0422842781 07 02/01/05 0.0000 0422842781 N 01/01/20 0 9728995 E22/G02 F 224,150.00 ZZ 180 222,554.89 1 5.6250 1846.39 80 5.3750 1846.39 HOUSTON TX 77008 1 12/17/04 00 0422776799 05 02/01/05 0.0000 0422776799 O 01/01/20 0 9729261 462/G02 F 200,000.00 ZZ 180 197,792.08 1 5.2500 1607.76 60 5.0000 1607.76 ORLANDO FL 32829 1 11/17/04 00 0438770497 05 01/01/05 0.0000 6595284 O 12/01/19 0 9729321 462/G02 F 114,300.00 ZZ 180 113,064.19 1 5.5000 933.93 75 5.2500 933.93 SUGAR LAND TX 77478 1 11/29/04 00 0438780934 03 01/01/05 0.0000 6395388 O 12/01/19 0 9729761 U05/G02 F 75,000.00 TX 180 65,940.43 1 6.0000 632.89 44 5.7500 632.89 SEALY TX 77474 5 12/06/04 00 0438777997 05 02/01/05 0.0000 3000673680 O 01/01/20 0 9729769 M27/G02 F 60,000.00 ZZ 180 59,402.53 1 6.5000 522.66 75 6.2500 522.66 GREENSBORO NC 27406 5 12/14/04 00 0438780751 05 02/01/05 0.0000 0100143808 N 01/01/20 0 9731307 E22/G02 F 59,200.00 ZZ 120 58,456.00 1 5.5000 642.48 60 5.2500 642.48 HOUSTON TX 77018 2 12/14/04 00 0422693952 05 02/01/05 0.0000 0422693952 O 01/01/15 0 9731311 E22/G02 F 162,400.00 TX 180 161,268.44 1 5.8750 1359.48 80 5.6250 1359.48 CARROLLTON TX 75006 5 12/15/04 00 0422695247 05 02/01/05 0.0000 0422695247 O 01/01/20 0 9731313 E22/G02 F 118,000.00 ZZ 180 117,169.09 1 5.7500 979.88 72 5.5000 979.88 SOUTH HOLLAND IL 60473 2 12/15/04 00 0422697425 05 02/01/05 0.0000 0422697425 O 01/01/20 0 9731435 E22/G02 F 98,400.00 ZZ 180 97,686.34 1 5.5000 804.01 80 5.2500 804.01 PUEBLO CO 81005 2 12/20/04 00 0422608687 05 02/01/05 0.0000 0422608687 N 01/01/20 0 9731569 E22/G02 F 102,000.00 ZZ 180 101,266.46 1 5.5000 833.43 45 5.2500 833.43 MIAMI FL 33155 2 12/15/04 00 0422478248 05 02/01/05 0.0000 0422478248 O 01/01/20 0 9731811 X51/G02 F 438,750.00 ZZ 180 435,427.57 1 5.2500 3527.01 80 5.0000 3527.01 ESCONDIDO CA 92027 5 12/15/04 00 0438807620 05 02/01/05 0.0000 0041118012 O 01/01/20 0 9732887 Q14/G02 F 81,000.00 ZZ 180 80,418.54 1 5.6250 667.22 90 5.3750 667.22 WAPELLO IA 52653 2 12/10/04 11 0438783813 05 02/01/05 25.0000 0000423676 O 01/01/20 0 9732991 E84/G02 F 640,000.00 ZZ 180 633,152.36 1 5.6250 5271.88 80 5.3750 5271.88 ATLANTA GA 30342 5 11/23/04 00 0438788572 05 01/01/05 0.0000 93011872 O 12/01/19 0 9733651 E22/G02 F 280,000.00 ZZ 180 278,049.04 2 5.8750 2343.93 54 5.6250 2343.93 BALDWIN PARK CA 91706 5 12/13/04 00 0422793356 05 02/01/05 0.0000 0422793356 N 01/01/20 0 9733833 E22/G02 F 260,000.00 ZZ 180 258,130.22 1 5.5000 2124.42 80 5.2500 2124.42 KENNEWICK WA 99337 5 12/16/04 00 0422580787 05 02/01/05 0.0000 0422580787 O 01/01/20 0 9735481 944/G02 F 339,000.00 ZZ 180 336,536.41 1 5.3750 2747.48 78 5.1250 2747.48 ALBUQUERQUE NM 87114 2 12/03/04 00 0438791162 05 02/01/05 0.0000 W01792669 O 01/01/20 0 9735799 P01/G02 F 51,200.00 ZZ 180 50,839.46 4 5.7500 425.17 80 5.5000 425.17 UTICA NY 13501 1 12/15/04 00 0438784191 05 02/01/05 0.0000 04005258 N 01/01/20 0 9735805 M37/G02 F 147,250.00 ZZ 180 146,213.10 1 5.7500 1222.78 65 5.5000 1222.78 PRESCOTT VALLEAZ 86314 5 12/10/04 00 0438800799 05 02/01/05 0.0000 621687 O 01/01/20 0 9736455 U85/G02 F 50,000.00 ZZ 180 49,644.18 1 5.6250 411.87 32 5.3750 411.87 ONTARIO WI 54651 5 12/17/04 00 0438784969 05 02/01/05 0.0000 1217200401 O 01/01/20 0 9736511 N74/G02 F 119,700.00 ZZ 180 118,445.88 1 5.8750 1002.03 95 5.6250 1002.03 TROY NC 27371 5 12/15/04 10 0438806168 05 01/20/05 30.0000 0035626010 O 12/20/19 0 9738217 E22/G02 F 149,645.00 ZZ 180 148,568.84 2 5.5000 1222.72 76 5.2500 1222.72 AUSTIN TX 78759 2 12/22/04 00 0422553891 05 02/01/05 0.0000 0422553891 N 01/01/20 0 9738249 E22/G02 F 110,000.00 ZZ 180 108,295.30 1 5.6250 906.10 50 5.3750 906.10 OMAHA NE 68152 2 12/17/04 00 0422779314 05 02/01/05 0.0000 0422779314 O 01/01/20 0 9738397 E22/G02 F 55,620.00 ZZ 120 54,962.13 1 6.6250 635.10 90 6.3750 635.10 RICHMOND VA 23234 1 12/22/04 04 0422584599 09 02/01/05 25.0000 0422584599 N 01/01/15 0 9738415 E22/G02 F 106,500.00 ZZ 180 105,757.94 1 5.8750 891.53 61 5.6250 891.53 MARIETTA GA 30062 2 12/17/04 00 0422607739 05 02/01/05 0.0000 0422607739 O 01/01/20 0 9738463 E22/G02 F 180,000.00 ZZ 180 178,785.12 2 6.2500 1543.36 80 6.0000 1543.36 NEW ORLEANS LA 70119 1 12/22/04 00 0422674655 05 02/01/05 0.0000 0422674655 N 01/01/20 0 9738641 E82/G02 F 147,300.00 ZZ 180 146,284.47 1 6.0000 1243.00 66 5.7500 1243.00 BROOMFIELD CO 80020 2 12/21/04 00 0401060207 05 02/01/05 0.0000 0401060207 N 01/01/20 0 9738933 642/G02 F 144,000.00 ZZ 180 142,932.05 1 5.7500 1195.79 79 5.5000 1195.79 INDIANAPOLIS IN 46205 5 12/20/04 00 0438787210 05 02/01/05 0.0000 12120804 O 01/01/20 0 9738935 U05/G02 F 104,000.00 TX 180 103,298.07 1 6.2500 891.72 80 6.0000 891.72 WICHITA FALLS TX 76301 5 12/17/04 00 0438787541 05 02/01/05 0.0000 3000689242 O 01/01/20 0 9739137 313/G02 F 156,750.00 ZZ 180 155,072.87 1 5.6250 1291.20 95 5.3750 1291.20 INDIANAPOLIS IN 46227 2 11/24/04 11 0438795007 05 01/01/05 25.0000 10461192 O 12/01/19 0 9739971 E22/G02 F 116,400.00 ZZ 180 115,580.34 2 5.7500 966.60 80 5.5000 966.60 STATE COLLEGE PA 16803 1 12/23/04 00 0422351353 05 02/01/05 0.0000 0422351353 N 01/01/20 0 9739975 E22/G02 F 116,400.00 ZZ 180 115,562.91 2 5.5000 951.09 80 5.2500 951.09 STATE COLLEGE PA 16801 1 12/23/04 00 0422373969 05 02/01/05 0.0000 0422373969 N 01/01/20 0 9739977 E22/G02 F 116,400.00 ZZ 180 115,562.91 2 5.5000 951.09 80 5.2500 951.09 STATE COLLEGE PA 16803 1 12/23/04 00 0422374256 05 02/01/05 0.0000 0422374256 N 01/01/20 0 9739997 E22/G02 F 110,000.00 ZZ 180 109,217.22 1 5.6250 906.10 69 5.3750 906.10 KALAMAZOO MI 49004 5 12/20/04 00 0422666255 05 02/01/05 0.0000 0422666255 O 01/01/20 0 9740015 E22/G02 F 55,000.00 TX 180 54,596.11 1 5.2500 442.13 22 5.0000 442.13 HOUSTON TX 77055 5 12/17/04 00 0422697359 05 02/01/05 0.0000 0422697359 O 01/01/20 0 9740159 E22/G02 F 65,000.00 ZZ 180 64,318.97 1 5.8750 544.13 100 5.6250 544.13 BLESSING TX 77419 1 12/23/04 10 0422528182 05 01/01/05 35.0000 0422528182 O 12/01/19 0 9740315 E22/G02 F 80,000.00 ZZ 180 79,268.35 1 6.5000 696.89 80 6.2500 696.89 ARLINGTON TX 76001 1 12/20/04 00 0422773861 05 02/01/05 0.0000 0422773861 N 01/01/20 0 9740401 E82/G02 F 119,000.00 ZZ 180 118,099.50 1 5.3750 964.45 83 5.1250 964.45 INTERNATIONAL MN 56649 5 12/22/04 04 0401048830 05 02/01/05 6.0000 0401048830 O 01/01/20 0 9740665 Y28/G02 F 92,700.00 ZZ 180 90,900.46 1 6.8750 826.75 90 6.6250 826.75 LAREDO TX 78045 1 08/20/04 11 0438793499 05 10/01/04 25.0000 04009793 O 09/01/19 0 9740841 Y28/G02 F 155,000.00 ZZ 180 153,409.94 1 6.1250 1318.47 76 5.8750 1318.47 TULSA OK 74186 1 11/12/04 00 0438795148 05 01/01/05 0.0000 04013667 O 12/01/19 0 9740845 Y28/G02 F 182,400.00 TX 180 179,924.99 1 6.2500 1563.94 80 6.0000 1563.94 HOUSTON TX 77062 5 10/26/04 00 0438798449 03 12/01/04 0.0000 04013006 O 11/01/19 0 9740853 Y28/G02 F 119,600.00 ZZ 180 118,247.46 1 5.8750 1001.19 80 5.6250 1001.19 HOUSTON TX 77089 1 11/30/04 00 0438795643 03 01/01/05 0.0000 04015114 N 12/01/19 0 9740927 Y28/G02 F 55,039.00 ZZ 180 52,751.10 1 6.2500 471.92 90 6.0000 471.92 ROBINSON TX 76706 1 01/30/04 11 0438790396 05 04/01/04 12.0000 04000059 N 03/01/19 0 9741297 N67/G02 F 700,000.00 ZZ 180 692,352.32 1 5.3750 5673.26 74 5.1250 5673.26 WOODWAY WA 98020 5 11/17/04 00 0438823668 05 01/01/05 0.0000 3339000811 O 12/01/19 0 9741471 U42/G02 F 43,500.00 ZZ 180 43,218.71 1 6.7500 384.94 75 6.5000 384.94 DURANT OK 74701 5 12/13/04 00 0438795486 05 02/01/05 0.0000 14400572 N 01/01/20 0 9741591 B57/G02 F 293,600.00 ZZ 180 291,443.93 1 5.2500 2360.18 80 5.0000 2360.18 GARLAND TX 75044 1 12/09/04 00 0438798498 03 02/01/05 0.0000 21028073 O 01/01/20 0 9741649 B57/U57 F 137,400.00 ZZ 180 135,883.17 1 5.2500 1104.53 37 5.0000 1104.53 CARSON CA 90745 5 11/30/04 00 0438795650 05 01/01/05 0.0000 21027316 O 12/01/19 0 9741787 E22/G02 F 57,000.00 ZZ 180 56,442.62 2 6.8750 508.36 55 6.6250 508.36 WILLIAMSPORT PA 17701 5 12/27/04 00 0422658690 05 02/01/05 0.0000 0422658690 N 01/01/20 0 9741841 E22/G02 F 79,800.00 ZZ 180 79,249.83 1 6.0000 673.40 94 5.7500 673.40 ALTOONA PA 16601 5 12/20/04 04 0422708347 05 02/01/05 25.0000 0422708347 O 01/01/20 0 9741911 E22/G02 F 148,000.00 TX 180 146,841.24 1 6.0000 1248.91 80 5.7500 1248.91 FORT WORTH TX 76103 5 12/21/04 00 0422784181 05 02/01/05 0.0000 0422784181 O 01/01/20 0 9741939 E22/U57 F 99,750.00 ZZ 180 99,083.90 1 6.3750 862.09 95 6.1250 862.09 RUTHERFORD COLNC 28612 5 12/20/04 01 0422822882 05 02/01/05 25.0000 0422822882 O 01/01/20 0 9741991 E22/G02 F 200,000.00 ZZ 180 198,531.27 2 5.2500 1607.76 21 5.0000 1607.76 SAN FRANCISCO CA 94121 5 12/13/04 00 0422511485 05 02/01/05 0.0000 0422511485 O 01/01/20 0 9742095 E22/G02 F 117,500.00 ZZ 180 116,655.01 2 5.5000 960.07 70 5.2500 960.07 VANCOUVER WA 98661 5 12/22/04 00 0422880419 05 02/01/05 0.0000 0422880419 N 01/01/20 0 9742509 K60/U56 F 91,200.00 TX 180 90,597.47 1 6.5000 794.45 80 6.2500 794.45 DALLAS TX 75220 5 12/10/04 00 0438797177 05 02/01/05 0.0000 98181 N 01/01/20 0 9745543 E22/G02 F 117,500.00 ZZ 180 116,655.01 2 5.5000 960.07 71 5.2500 960.07 VANCOUVER WA 98661 5 12/22/04 00 0422879726 05 02/01/05 0.0000 0422879726 N 01/01/20 0 9745719 E22/G02 F 70,300.00 ZZ 180 69,830.56 1 6.3750 607.57 83 6.1250 607.57 DALLAS TX 75228 2 12/22/04 04 0422702944 05 02/01/05 25.0000 0422702944 O 01/01/20 0 9746051 B57/U57 F 512,000.00 ZZ 180 508,240.09 1 5.2500 4115.85 65 5.0000 4115.85 REDLANDS CA 92373 5 12/03/04 00 0438795783 05 02/01/05 0.0000 16008555 O 01/01/20 0 9747597 H76/G02 F 35,000.00 ZZ 120 34,333.83 1 5.7500 384.20 54 5.5000 384.20 HANOVER TWP PA 18706 5 12/18/04 00 0438797979 05 02/01/05 0.0000 45951157466 O 01/01/15 0 9748057 E22/G02 F 62,500.00 ZZ 180 62,059.89 1 5.7500 519.01 80 5.5000 519.01 FORT WAYNE IN 46808 2 12/29/04 00 0422687400 05 02/01/05 0.0000 0422687400 N 01/01/20 0 9748095 E22/G02 F 100,000.00 ZZ 180 99,273.27 1 5.3750 810.47 49 5.1250 810.47 WASILLA AK 99654 2 12/22/04 00 0422743013 05 02/01/05 0.0000 0422743013 O 01/01/20 0 9748117 E22/G02 F 185,500.00 ZZ 180 184,207.50 1 5.8750 1552.85 78 5.6250 1552.85 MILTON-FREEWATOR 97862 2 12/22/04 00 0422448159 05 02/01/05 0.0000 0422448159 O 01/01/20 0 9748187 E22/G02 F 58,000.00 ZZ 180 57,600.12 1 6.0000 489.44 62 5.7500 489.44 WICHITA FALLS TX 76301 2 12/28/04 00 0422854752 05 02/01/05 0.0000 0422854752 N 01/01/20 0 9748227 E22/G02 F 120,000.00 ZZ 180 119,158.87 1 6.1250 1020.75 69 5.8750 1020.75 METAIRIE LA 70003 2 12/29/04 00 0422876763 05 02/01/05 0.0000 0422876763 N 01/01/20 0 9748255 E82/G02 F 62,400.00 ZZ 180 61,969.79 1 6.0000 526.57 42 5.7500 526.57 CASCO ME 04015 2 12/27/04 00 0401043070 05 02/01/05 0.0000 0401043070 O 01/01/20 0 9748273 E82/G02 F 49,000.00 ZZ 180 48,458.09 1 5.8750 410.19 63 5.6250 410.19 CHICOPEE MA 01020 2 12/21/04 00 0401056031 01 02/01/05 0.0000 0401056031 O 01/01/20 0 9749547 E22/G02 F 57,000.00 ZZ 180 56,611.17 1 6.1250 484.86 68 5.8750 484.86 N. CHARLESTON SC 29406 5 12/30/04 00 0422843961 05 02/01/05 0.0000 0422843961 N 01/01/20 0 9749549 E22/G02 F 180,500.00 TX 180 179,215.50 2 5.6250 1486.84 44 5.3750 1486.84 HOUSTON TX 77006 5 12/30/04 00 0422844530 05 02/01/05 0.0000 0422844530 N 01/01/20 0 9749553 E22/G02 F 180,500.00 TX 180 179,215.50 2 5.6250 1486.84 44 5.3750 1486.84 HOUSTON TX 77006 5 12/30/04 00 0422846147 05 02/01/05 0.0000 0422846147 N 01/01/20 0 9749775 E22/G02 F 33,500.00 ZZ 180 33,273.89 1 6.2500 287.24 48 6.0000 287.24 SPOKANE WA 99207 5 12/27/04 00 0422820340 05 02/01/05 0.0000 0422820340 N 01/01/20 0 9749969 Q14/G02 F 67,250.00 ZZ 180 66,575.97 1 5.7500 558.45 80 5.5000 558.45 CEDAR RAPIDS IA 52404 2 12/17/04 00 0438796765 05 02/01/05 0.0000 0000423809 O 01/01/20 0 9750389 742/G02 F 85,500.00 ZZ 180 84,887.72 1 6.6250 750.68 95 6.3750 750.68 TOWN OF GREECENY 14616 5 12/13/04 11 0438812588 05 02/01/05 30.0000 0010604254 O 01/01/20 0 9750645 E22/G02 F 80,000.00 ZZ 180 79,442.60 1 5.8750 669.69 43 5.6250 669.69 MIAMI FL 33177 5 12/27/04 00 0422732271 05 02/01/05 0.0000 0422732271 O 01/01/20 0 9750799 E22/G02 F 152,000.00 ZZ 180 150,940.91 1 5.8750 1272.42 80 5.6250 1272.42 RICHMOND HEIGHMO 63117 5 12/27/04 00 0422877274 05 02/01/05 0.0000 0422877274 O 01/01/20 0 9750823 E22/U57 F 60,000.00 ZZ 180 59,586.35 1 6.0000 506.31 77 5.7500 506.31 NASHVILLE TN 37209 5 12/31/04 00 0422903278 05 02/01/05 0.0000 0422903278 N 01/01/20 0 9750829 E22/U57 F 88,000.00 ZZ 180 87,393.31 1 6.0000 742.59 80 5.7500 742.59 FRANKLIN TN 37064 5 12/31/04 00 0422907378 05 02/01/05 0.0000 0422907378 N 01/01/20 0 9750871 E22/G02 F 100,000.00 ZZ 180 99,303.22 1 5.8750 837.12 78 5.6250 837.12 DETROIT MI 48224 5 12/27/04 00 0422942573 05 02/01/05 0.0000 0422942573 O 01/01/20 0 9750979 E82/G02 F 132,900.00 ZZ 180 131,934.18 1 5.3750 1077.11 76 5.1250 1077.11 GLOVERSVILLE NY 12078 2 12/23/04 00 0401050869 05 02/01/05 0.0000 0401050869 O 01/01/20 0 9751041 X89/G02 F 103,000.00 ZZ 180 102,282.31 1 5.8750 862.24 65 5.6250 862.24 MOUNT JULIET TN 37122 2 12/22/04 00 0438805798 05 02/01/05 0.0000 2075497 O 01/01/20 0 9751531 E22/G02 F 55,500.00 ZZ 180 55,100.87 1 5.5000 453.48 59 5.2500 453.48 SALT LAKE CITYUT 84104 5 12/27/04 00 0422757625 05 02/01/05 0.0000 0422757625 O 01/01/20 0 9751619 E22/G02 F 54,000.00 ZZ 120 53,315.86 1 5.7500 592.75 68 5.5000 592.75 HOUSTON TX 77040 2 12/28/04 00 0422875658 03 02/01/05 0.0000 0422875658 O 01/01/15 0 9751845 E82/G02 F 129,700.00 ZZ 180 128,676.55 1 5.6250 1068.38 25 5.3750 1068.38 GARDNERVILLE NV 89410 2 12/23/04 00 0401061205 05 02/01/05 0.0000 0401061205 O 01/01/20 0 9755313 K60/G02 F 135,000.00 ZZ 180 134,029.16 1 5.5000 1103.06 37 5.2500 1103.06 CORONA CA 92882 5 12/16/04 00 0438803009 09 02/01/05 0.0000 0001099657 O 01/01/20 0 9755319 F62/F62 F 100,000.00 ZZ 180 99,295.83 1 5.7500 830.41 77 5.5000 830.41 MARGATE FL 33063 5 12/28/04 00 44100 01 02/02/05 0.0000 44100 O 01/02/20 0 9755389 U42/G02 F 89,800.00 ZZ 180 89,180.90 1 6.0000 757.78 70 5.7500 757.78 POTEET TX 78065 2 12/27/04 00 0438848301 05 02/01/05 0.0000 49400813 N 01/01/20 0 9755523 E22/G02 F 116,000.00 ZZ 180 114,337.98 1 5.8750 971.06 80 5.6250 971.06 FORT WAYNE IN 46825 5 12/29/04 00 0422693465 05 02/01/05 0.0000 0422693465 O 01/01/20 0 9755557 E22/G02 F 145,700.00 ZZ 180 145,171.76 1 5.3750 1180.85 62 5.1250 1180.85 HIALEAH FL 33016 5 12/29/04 00 0422763177 05 03/01/05 0.0000 0422763177 O 02/01/20 0 9755567 E22/G02 F 52,500.00 ZZ 180 51,340.67 1 6.5000 457.33 75 6.2500 457.33 MABELVALE AR 72103 2 01/04/05 00 0422769794 05 03/01/05 0.0000 0422769794 N 02/01/20 0 9755671 E22/G02 F 68,000.00 ZZ 180 67,526.20 1 5.8750 569.24 80 5.6250 569.24 GADSDEN AL 35901 5 01/04/05 00 0422889899 05 02/01/05 0.0000 0422889899 N 01/01/20 0 9755723 944/G02 F 408,000.00 ZZ 180 404,972.41 1 5.1250 3253.07 49 4.8750 3253.07 LOS ANGELES CA 90291 2 12/10/04 00 0438859613 05 02/01/05 0.0000 W01796958 O 01/01/20 0 9755725 944/G02 F 190,000.00 ZZ 180 188,633.62 1 5.5000 1552.46 55 5.2500 1552.46 SACRAMENTO CA 95841 5 12/20/04 00 0438859621 05 02/01/05 0.0000 W01799312 O 01/01/20 0 9755817 944/G02 F 500,000.00 ZZ 180 496,366.38 1 5.3750 4052.33 27 5.1250 4052.33 BRICK NJ 08723 5 12/17/04 00 0438822579 05 02/01/05 0.0000 W01796945 O 01/01/20 0 9757001 U42/G02 F 60,700.00 ZZ 180 60,281.52 1 6.0000 512.22 75 5.7500 512.22 SAN ANTONIO TX 78213 2 12/21/04 00 0438809147 05 02/01/05 0.0000 49400812 N 01/01/20 0 9757067 J53/J53 F 649,500.00 ZZ 180 644,974.47 1 5.8750 5437.08 73 5.6250 5437.08 BOURBON MO 65441 2 12/11/04 00 975491202211 05 02/01/05 0.0000 975491202211 O 01/01/20 0 9757089 N74/G02 F 211,850.00 ZZ 180 210,373.25 1 5.8750 1773.44 95 5.6250 1773.44 ASHEBORO NC 27205 5 12/20/04 10 0438803934 05 02/01/05 30.0000 0035653010 O 01/01/20 0 9757253 E22/G02 F 100,000.00 ZZ 180 99,295.83 1 5.7500 830.41 32 5.5000 830.41 FRESNO CA 93711 5 12/23/04 00 0422110411 03 02/01/05 0.0000 0422110411 N 01/01/20 0 9757287 E22/G02 F 81,600.00 TX 180 81,313.39 1 5.7500 677.61 80 5.5000 677.61 HOUSTON TX 77034 5 12/30/04 00 0422596148 05 03/01/05 0.0000 0422596148 O 02/01/20 0 9757431 E22/G02 F 58,400.00 ZZ 180 57,980.02 1 5.5000 477.18 83 5.2500 477.18 HAGUE VA 22469 5 12/30/04 10 0422842724 05 02/01/05 6.0000 0422842724 O 01/01/20 0 9757511 E22/G02 F 68,000.00 ZZ 180 67,138.77 1 6.1250 578.42 68 5.8750 578.42 HOUSTON TX 77038 2 12/30/04 00 0422917336 05 02/01/05 0.0000 0422917336 O 01/01/20 0 9757513 E22/G02 F 161,000.00 ZZ 180 159,829.98 1 5.3750 1304.85 74 5.1250 1304.85 VALPARAISO IN 46383 5 12/30/04 00 0422919019 05 02/01/05 0.0000 0422919019 O 01/01/20 0 9757843 E82/G02 F 122,200.00 ZZ 180 121,336.26 1 5.8750 1022.96 85 5.6250 1022.96 RICHMOND VA 23294 2 12/29/04 04 0401058276 05 02/01/05 6.0000 0401058276 O 01/01/20 0 9757967 U05/G02 F 80,000.00 ZZ 180 79,117.23 1 6.0000 675.09 46 5.7500 675.09 BOLINGBROOK IL 60440 2 12/23/04 00 0438843245 05 02/01/05 0.0000 3000697376 O 01/01/20 0 9758015 U05/G02 F 189,000.00 ZZ 180 187,640.81 1 5.5000 1544.29 90 5.2500 1544.29 FORT LAUDERDALFL 33324 1 12/08/04 10 0438841595 09 02/01/05 25.0000 3000690298 N 01/01/20 0 9758027 U05/G02 F 129,650.00 ZZ 180 128,248.24 1 5.5000 1059.35 42 5.2500 1059.35 RESEDA AREA CA 91335 1 11/29/04 00 0438841686 01 01/01/05 0.0000 3000682494 O 12/01/19 0 9758029 U05/G02 F 250,000.00 ZZ 180 248,258.06 1 5.8750 2092.80 49 5.6250 2092.80 ELK GROVE CA 95758 1 12/01/04 00 0438841611 05 02/01/05 0.0000 3000684852 O 01/01/20 0 9758031 U05/G02 F 160,000.00 ZZ 180 158,885.16 1 5.8750 1339.39 69 5.6250 1339.39 MIAMI FL 33185 5 12/16/04 00 0438842536 03 02/01/05 0.0000 3000694060 O 01/01/20 0 9758033 U05/G02 F 60,300.00 ZZ 180 59,879.85 1 5.8750 504.78 90 5.6250 504.78 BRIDGTON ME 04009 1 12/07/04 10 0438844078 05 02/01/05 25.0000 3000687565 O 01/01/20 0 9758035 U05/G02 F 148,000.00 ZZ 180 146,957.83 1 5.7500 1229.01 71 5.5000 1229.01 DONIPHAN MO 63935 2 12/23/04 00 0438840027 05 02/01/05 0.0000 3000690728 O 01/01/20 0 9758037 U05/G02 F 156,000.00 ZZ 180 154,878.13 1 5.5000 1274.65 75 5.2500 1274.65 WINCHESTER VA 22602 5 12/23/04 00 0438826018 05 02/01/05 0.0000 3000697305 O 01/01/20 0 9758039 U05/G02 F 104,000.00 ZZ 180 103,275.37 4 5.8750 870.60 40 5.6250 870.60 DYER IN 46311 2 12/10/04 00 0438840043 05 02/01/05 0.0000 3000679139 O 01/01/20 0 9758143 Q14/G02 F 134,400.00 ZZ 180 133,975.97 2 7.0000 1208.03 80 6.7500 1208.03 LEES SUMMIT MO 64063 5 01/05/05 00 0438807950 05 03/01/05 0.0000 0000424158 N 02/01/20 0 9758319 196/G02 F 337,500.00 ZZ 180 335,047.30 1 5.3750 2735.33 75 5.1250 2735.33 LONDON OH 43140 2 12/06/04 00 0438841991 05 02/01/05 0.0000 2340679 O 01/01/20 0 9758341 E22/G02 F 65,000.00 TX 180 64,561.30 1 6.2500 557.32 75 6.0000 557.32 CANYON TX 79015 5 12/31/04 00 0422950550 05 02/01/05 0.0000 0422950550 O 01/01/20 0 9758343 E22/G02 F 196,700.00 ZZ 180 195,986.86 1 5.3750 1594.19 58 5.1250 1594.19 MIDLOTHIAN TX 76065 2 12/31/04 00 0422954412 05 03/01/05 0.0000 0422954412 O 02/01/20 0 9758417 E22/G02 F 144,000.00 ZZ 180 143,483.40 1 5.5000 1176.60 62 5.2500 1176.60 BIDDEFORD ME 04005 5 12/31/04 00 0422572073 05 03/01/05 0.0000 0422572073 O 02/01/20 0 9758453 E22/G02 F 91,000.00 ZZ 180 90,696.97 3 6.3750 786.47 61 6.1250 786.47 HAMMOND LA 70404 5 01/06/05 00 0422703884 05 03/01/05 0.0000 0422703884 N 02/01/20 0 9758701 E82/G02 F 67,600.00 ZZ 180 67,374.89 1 6.3750 584.24 68 6.1250 584.24 ORLANDO FL 32819 2 01/04/05 00 0401058300 05 03/01/05 0.0000 0401058300 N 02/01/20 0 9759693 E22/G02 F 125,000.00 ZZ 180 124,165.29 3 6.3750 1080.31 63 6.1250 1080.31 WILMINGTON NC 28401 5 01/07/05 00 0422716787 05 02/01/05 0.0000 0422716787 N 01/01/20 0 9759767 E22/G02 F 175,000.00 ZZ 180 173,780.64 2 5.8750 1464.96 68 5.6250 1464.96 WORCESTER MA 01602 5 01/07/05 00 0422839308 05 02/01/05 0.0000 0422839308 N 01/01/20 0 9759811 E22/G02 F 273,000.00 ZZ 180 272,020.61 1 5.5000 2230.64 75 5.2500 2230.64 BIG SKY MT 59716 1 01/06/05 00 0422880567 21 03/01/05 0.0000 0422880567 N 02/01/20 0 9759879 E22/G02 F 70,000.00 ZZ 180 69,751.52 1 5.6250 576.61 73 5.3750 576.61 ST PETERSBURG FL 33714 1 01/07/05 00 0422940536 05 03/01/05 0.0000 0422940536 N 02/01/20 0 9759907 E22/U57 F 50,000.00 TX 180 49,829.90 1 6.1250 425.31 77 5.8750 425.31 FORT WORTH TX 76133 5 01/07/05 00 0422954487 05 03/01/05 0.0000 0422954487 N 02/01/20 0 9760981 B43/G02 F 135,200.00 ZZ 180 134,725.12 1 5.7500 1122.71 80 5.5000 1122.71 GREENVILLE SC 29605 2 01/07/05 00 0438814345 03 03/01/05 0.0000 54752 N 02/01/20 0 9762225 E22/G02 F 157,600.00 ZZ 180 157,046.44 1 5.7500 1308.73 80 5.5000 1308.73 CHARLESTON SC 29407 1 01/10/05 00 0422763607 05 03/01/05 0.0000 0422763607 O 02/01/20 0 9762275 E22/G02 F 144,500.00 ZZ 180 143,987.05 1 5.6250 1190.29 75 5.3750 1190.29 GONZALES LA 70737 2 01/05/04 00 0422822833 05 03/01/05 0.0000 0422822833 O 02/01/20 0 9762345 E22/G02 F 250,000.00 ZZ 180 249,093.63 1 5.3750 2026.16 65 5.1250 2026.16 DOVER TWP. NJ 08753 5 01/05/05 00 0422877407 05 03/01/05 0.0000 0422877407 O 02/01/20 0 9762361 E22/G02 F 246,500.00 ZZ 180 244,567.54 1 5.1250 1965.39 71 4.8750 1965.39 ANTELOPE CA 95843 2 12/20/04 00 0422889626 05 02/01/05 0.0000 0422889626 O 01/01/20 0 9762493 E22/G02 F 120,000.00 ZZ 180 119,578.51 2 5.7500 996.49 80 5.5000 996.49 MIAMI FL 33133 1 01/10/05 00 0422975961 05 03/01/05 0.0000 0422975961 O 02/01/20 0 9762741 944/G02 F 519,000.00 ZZ 180 515,188.68 1 5.2500 4172.13 77 5.0000 4172.13 WILBRAHAM MA 01095 2 12/20/05 00 0438830945 05 02/01/05 0.0000 W01790602 O 01/01/20 0 9764147 944/G02 F 51,500.00 ZZ 180 51,125.74 1 5.3750 417.39 15 5.1250 417.39 PORTLAND OR 97221 5 12/17/04 00 0438859712 03 02/01/05 0.0000 W01796505 O 01/01/20 0 9764161 944/G02 F 116,000.00 T 180 115,157.00 1 5.3750 940.14 30 5.1250 940.14 WALNUT CREEK CA 94596 2 12/09/04 00 0438859720 01 02/01/05 0.0000 W01795894 O 01/01/20 0 9764375 E22/G02 F 140,000.00 ZZ 180 139,538.78 4 6.5000 1219.55 70 6.2500 1219.55 FORT MYERS FL 33907 5 01/11/05 00 0422751149 05 03/01/05 0.0000 0422751149 N 02/01/20 0 9764531 E22/G02 F 109,000.00 ZZ 180 108,629.17 1 6.1250 927.18 94 5.8750 927.18 WILMINGTON NC 28411 2 01/06/05 10 0422881912 03 03/01/05 25.0000 0422881912 O 02/01/20 0 9764699 E84/G02 F 45,000.00 ZZ 180 44,696.28 1 6.2500 385.84 75 6.0000 385.84 STATESVILLE NC 28677 5 12/22/04 00 0438866998 05 02/01/05 0.0000 0047121382 N 01/01/20 0 9764737 E84/G02 F 112,200.00 ZZ 180 111,401.55 1 5.6250 924.23 60 5.3750 924.23 HILLSBORO OR 97123 5 12/07/04 00 0438880411 05 02/01/05 0.0000 32829345 N 01/01/20 0 9764789 E84/G02 F 93,000.00 ZZ 180 92,338.19 1 5.6250 766.07 60 5.3750 766.07 BEAVERTON OR 97006 5 12/07/04 00 0438831745 07 02/01/05 0.0000 32829347 N 01/01/20 0 9764799 E84/G02 F 93,000.00 ZZ 180 92,338.19 1 5.6250 766.07 60 5.3750 766.07 BEAVERTON OR 97006 5 12/07/04 00 0438832230 07 02/01/05 0.0000 32829346 N 01/01/20 0 9765125 N74/G02 F 67,000.00 ZZ 180 66,507.98 1 5.2500 538.60 59 5.0000 538.60 MEMPHIS TN 38112 5 12/30/04 00 0438861106 05 02/05/05 0.0000 2200002882 O 01/05/20 0 9765363 E22/U57 F 153,000.00 ZZ 180 152,468.27 1 5.8750 1280.79 85 5.6250 1280.79 CORDOVA TN 38016 2 01/12/05 10 0422654376 05 03/01/05 12.0000 0422654376 N 02/01/20 0 9765365 E22/G02 F 90,000.00 ZZ 180 89,683.88 1 5.7500 747.37 88 5.5000 747.37 OKC OK 73107 5 01/07/05 04 0422662031 05 03/01/05 12.0000 0422662031 O 02/01/20 0 9765441 E22/G02 F 46,550.00 ZZ 180 46,242.47 1 6.5000 405.50 95 6.2500 405.50 PITTSBURGH PA 15220 2 12/27/04 01 0422824342 01 02/01/05 25.0000 0422824342 O 01/01/20 0 9765477 E22/G02 F 119,000.00 ZZ 180 118,582.02 1 5.7500 988.19 70 5.5000 988.19 KENNEWICK WA 99337 1 01/03/05 00 0422866079 05 03/01/05 0.0000 0422866079 O 02/01/20 0 9765543 E22/U57 F 140,250.00 ZZ 180 139,762.58 1 5.8750 1174.06 85 5.6250 1174.06 BARTLETT TN 38135 2 01/12/05 10 0422905190 05 03/01/05 12.0000 0422905190 N 02/01/20 0 9765667 E22/G02 F 176,000.00 TX 180 175,388.34 1 5.8750 1473.33 80 5.6250 1473.33 ARGYLE TX 76226 5 01/07/05 00 0422990267 05 03/01/05 0.0000 0422990267 O 02/01/20 0 9765673 E22/G02 F 115,200.00 ZZ 180 114,799.64 1 5.8750 964.36 80 5.6250 964.36 WEST VALLEY CIUT 84120 1 01/07/05 00 0423008630 05 03/01/05 0.0000 0423008630 O 02/01/20 0 9766539 E22/U57 F 99,000.00 ZZ 180 98,673.85 1 6.5000 862.40 75 6.2500 862.40 FORT MYERS FL 33907 1 01/13/05 00 0422750653 05 03/01/05 0.0000 0422750653 N 02/01/20 0 9766589 E22/U57 F 97,600.00 ZZ 180 97,274.99 1 6.3750 843.51 80 6.1250 843.51 BOAZ AL 35980 1 01/06/05 00 0422864041 05 03/01/05 0.0000 0422864041 O 02/01/20 0 9770659 A52/G02 F 95,200.00 ZZ 180 94,869.14 1 5.8750 796.94 80 5.6250 796.94 GRIFFIN GA 30224 5 01/17/05 00 0438847931 05 03/01/05 0.0000 32110 N 02/01/20 0 9771935 E82/G02 F 142,000.00 ZZ 180 141,501.23 1 5.7500 1179.19 79 5.5000 1179.19 FORT WORTH TX 76109 1 01/14/05 00 0401067665 05 03/01/05 0.0000 0401067665 N 02/01/20 0 9772043 E22/G02 F 250,000.00 ZZ 180 249,176.40 1 6.5000 2177.77 72 6.2500 2177.77 DURANGO CO 81303 1 01/14/05 00 0423045210 05 03/01/05 0.0000 0423045210 N 02/01/20 0 9772391 E22/G02 F 51,000.00 ZZ 180 50,824.63 1 6.0000 430.37 68 5.7500 430.37 JACKSONVILLE FL 32244 5 01/14/05 00 0422691857 05 03/01/05 0.0000 0422691857 N 02/01/20 0 9772689 E82/G02 F 105,000.00 ZZ 180 104,627.28 1 5.6250 864.91 84 5.3750 864.91 CLAYTON NJ 08312 5 01/12/05 04 0401058037 05 03/01/05 6.0000 0401058037 O 02/01/20 0 9772693 E82/G02 F 182,000.00 ZZ 180 181,367.48 1 5.8750 1523.56 76 5.6250 1523.56 HANFORD CA 93230 2 01/10/05 00 0401057302 05 03/01/05 0.0000 0401057302 N 02/01/20 0 9772995 477/G02 F 63,500.00 ZZ 180 63,043.34 1 5.5000 518.85 34 5.2500 518.85 LAKE HAVASU AZ 86404 2 12/30/04 00 0438872756 05 02/01/05 0.0000 230425 N 01/01/20 0 9773047 Q87/G02 F 64,800.00 ZZ 180 64,343.69 1 5.7500 538.11 90 5.5000 538.11 DRAKES BRANCH VA 23937 5 01/12/05 04 0438897514 05 02/18/05 25.0000 AYRO01 O 01/18/20 0 9773583 E22/G02 F 19,500.00 ZZ 180 19,437.81 1 6.8750 173.91 75 6.6250 173.91 HOUSTON TX 77099 1 01/13/05 00 0422970749 01 03/01/05 0.0000 0422970749 N 02/01/20 0 9773645 E22/G02 F 94,800.00 ZZ 180 94,477.49 1 6.1250 806.39 95 5.8750 806.39 HOUSTON TX 77066 2 01/12/05 10 0422863498 03 03/01/05 25.0000 0422863498 O 02/01/20 0 9773657 E22/U57 F 70,000.00 TX 180 69,751.52 1 5.6250 576.61 68 5.3750 576.61 SAN ANTONIO TX 78228 5 01/11/05 00 0422874354 03 03/01/05 0.0000 0422874354 O 02/01/20 0 9773747 E22/G02 F 150,000.00 ZZ 180 149,467.53 1 5.6250 1235.60 53 5.3750 1235.60 LITTLETON CO 80120 5 01/12/05 00 0423018589 05 03/01/05 0.0000 0423018589 O 02/01/20 0 9773761 E22/G02 F 56,250.00 ZZ 180 56,054.51 1 5.8750 470.88 75 5.6250 470.88 JEFFERSONVILLEIN 47130 5 01/18/05 00 0423030147 05 03/01/05 0.0000 0423030147 N 02/01/20 0 9773885 E22/G02 F 69,000.00 ZZ 180 68,765.26 1 6.1250 586.93 69 5.8750 586.93 LITTLE ROCK AR 72204 2 01/18/05 00 0422721332 05 03/01/05 0.0000 0422721332 N 02/01/20 0 9773921 E22/G02 F 42,000.00 ZZ 180 41,867.49 1 7.0000 377.51 68 6.7500 377.51 COLUMBUS OH 43222 5 01/15/05 00 0422780601 05 03/01/05 0.0000 0422780601 N 02/01/20 0 9774609 U05/G02 F 220,000.00 ZZ 180 218,546.53 4 6.5000 1916.44 56 6.2500 1916.44 ANCHORAGE AK 99507 5 12/20/04 00 0438876484 05 02/01/05 0.0000 3000698116 O 01/01/20 0 9776775 E22/G02 F 48,800.00 ZZ 120 48,500.20 1 5.8750 538.72 43 5.6250 538.72 HOUSTON TX 77072 2 01/13/05 00 0422693853 03 03/01/05 0.0000 0422693853 O 02/01/15 0 9776833 E22/G02 F 142,200.00 ZZ 180 141,689.86 1 5.5000 1161.89 90 5.2500 1161.89 PUEBLO CO 81003 2 01/13/05 10 0422845933 05 03/01/05 12.0000 0422845933 O 02/01/20 0 9776845 E22/G02 F 97,840.00 ZZ 120 97,247.01 1 6.1250 1092.38 80 5.8750 1092.38 RIDGELAND MS 39157 2 01/19/05 00 0422856765 05 03/01/05 0.0000 0422856765 N 02/01/15 0 9776921 E22/G02 F 125,000.00 ZZ 180 124,565.58 4 5.8750 1046.40 42 5.6250 1046.40 LANTANA FL 33462 5 01/13/05 00 0422935809 05 03/01/05 0.0000 0422935809 O 02/01/20 0 9776973 E22/G02 F 80,000.00 TX 180 79,719.00 1 5.7500 664.33 77 5.5000 664.33 HOUSTON TX 77089 5 01/13/05 00 0422974733 03 03/01/05 0.0000 0422974733 O 02/01/20 0 9777551 E22/G02 F 270,000.00 ZZ 180 269,051.64 2 5.7500 2242.11 75 5.5000 2242.11 GARDNERVILLE NV 89460 2 01/13/05 00 0422382515 05 03/01/05 0.0000 0422382515 N 02/01/20 0 9777793 E22/U57 F 750,000.00 ZZ 180 747,280.89 1 5.3750 6078.49 69 5.1250 6078.49 SAN JUAN BAUTICA 95045 5 01/13/05 00 0422947747 05 03/01/05 0.0000 0422947747 O 02/01/20 0 9777859 E22/G02 F 72,800.00 ZZ 180 72,544.29 1 5.7500 604.54 80 5.5000 604.54 HOUSTON TX 77017 2 01/14/05 00 0422982041 03 03/01/05 0.0000 0422982041 O 02/01/20 0 9777997 E22/G02 F 67,000.00 ZZ 180 66,776.89 2 6.3750 579.05 86 6.1250 579.05 MEMPHIS TN 38111 2 01/20/05 10 0423107663 05 03/01/05 20.0000 0423107663 N 02/01/20 0 9778031 E82/G02 F 268,800.00 ZZ 180 267,855.86 1 5.7500 2232.14 80 5.5000 2232.14 CORDOVA TN 38018 5 01/19/05 00 0401050257 05 03/01/05 0.0000 0401050257 O 02/01/20 0 9778225 E82/G02 F 235,800.00 ZZ 180 234,980.51 1 5.8750 1973.93 90 5.6250 1973.93 HUMBLE TX 77346 2 01/14/05 04 0401040704 03 03/01/05 12.0000 0401040704 O 02/01/20 0 9780971 477/G02 F 112,400.00 ZZ 180 112,001.01 1 5.6250 925.87 61 5.3750 925.87 CALIFORNIA CITCA 93505 5 01/04/05 00 0438878852 05 03/01/05 0.0000 251056 O 02/01/20 0 9781867 E22/G02 F 156,000.00 ZZ 180 155,452.06 1 5.7500 1295.44 60 5.5000 1295.44 STERLING HEIGHMI 48314 2 01/21/05 00 0422937599 29 03/01/05 0.0000 0422937599 N 02/01/20 0 9782043 E22/G02 F 209,000.00 ZZ 180 208,234.28 1 5.2500 1680.10 76 5.0000 1680.10 SWEET VALLEY PA 18656 5 01/17/05 00 0423095660 05 03/01/05 0.0000 0423095660 O 02/01/20 0 9782211 U05/G02 F 103,000.00 TX 180 102,634.37 1 5.6250 848.44 80 5.3750 848.44 LAREDO TX 78041 5 01/12/05 00 0438892218 05 03/01/05 0.0000 3000699452 O 02/01/20 0 9782301 X64/G02 F 112,000.00 T 180 111,593.95 1 5.3750 907.72 75 5.1250 907.72 ANN ARBOR MI 48105 2 01/21/05 00 0438884181 01 03/01/05 0.0000 000039049 O 02/01/20 0 9782345 W08/G02 F 325,000.00 ZZ 180 323,870.51 1 5.8750 2720.64 75 5.6250 2720.64 HOLLYWOOD FL 33026 5 01/19/05 00 0438891806 03 03/01/05 0.0000 046284M O 02/01/20 0 9782915 E22/G02 F 147,200.00 ZZ 180 146,532.28 1 5.2500 1183.31 80 5.0000 1183.31 HAWKS MI 49743 5 01/18/05 00 0422847012 05 03/01/05 0.0000 0422847012 O 02/01/20 0 9783007 E22/G02 F 287,000.00 ZZ 180 285,970.39 1 5.5000 2345.03 70 5.2500 2345.03 ALEXANDRIA VA 22303 5 01/18/05 00 0422962126 05 03/01/05 0.0000 0422962126 O 02/01/20 0 9783075 E22/G02 F 60,000.00 ZZ 120 59,641.27 1 6.3750 677.48 71 6.1250 677.48 INDIANA PA 15701 5 01/24/05 00 0423012962 05 03/01/05 0.0000 0423012962 N 02/01/15 0 9783199 E82/G02 F 91,300.00 ZZ 180 90,982.70 1 5.8750 764.29 66 5.6250 764.29 FORT MYERS FL 33905 2 01/21/05 00 0401057617 05 03/01/05 0.0000 0401057617 O 02/01/20 0 9783209 E82/G02 F 92,300.00 ZZ 180 91,975.80 1 5.7500 766.47 42 5.5000 766.47 SURRY NH 03431 2 01/21/05 00 0401051248 05 03/01/05 0.0000 0401051248 O 02/01/20 0 9783213 E82/G02 F 103,200.00 ZZ 180 99,837.52 1 5.7500 856.98 77 5.5000 856.98 PULLMAN WA 99163 2 01/21/05 00 0401060249 05 03/01/05 0.0000 0401060249 O 02/01/20 0 9783379 E82/G02 F 127,000.00 ZZ 180 126,553.92 1 5.7500 1054.62 27 5.5000 1054.62 ASTORIA NY 11102 2 01/19/05 00 0401056270 05 03/01/05 0.0000 0401056270 O 02/01/20 0 9783399 E82/G02 F 149,000.00 ZZ 180 148,465.47 1 5.5000 1217.45 55 5.2500 1217.45 CUDAHY CA 90201 2 01/19/05 00 0401060132 01 03/01/05 0.0000 0401060132 O 02/01/20 0 9783517 253/253 F 395,200.00 ZZ 180 393,782.21 1 5.5000 3229.12 80 5.2500 3229.12 ROSEMEAD CA 91770 1 01/14/05 00 376664 05 03/01/05 0.0000 376664 O 02/01/20 0 9783623 144/144 F 65,000.00 ZZ 180 64,527.64 1 5.3750 526.80 42 5.1250 526.80 HURLEY NY 12443 2 12/21/04 00 160764811 05 02/01/05 0.0000 160764811 O 01/01/20 0 9783981 E22/U57 F 58,900.00 ZZ 180 58,705.96 2 6.5000 513.08 95 6.2500 513.08 MEMPHIS TN 38104 1 01/25/05 04 0422806174 05 03/01/05 25.0000 0422806174 O 02/01/20 0 9784049 E22/U57 F 137,000.00 TX 180 136,518.80 1 5.7500 1137.66 45 5.5000 1137.66 CLEBURNE TX 76033 5 01/20/05 00 0422925826 05 03/01/05 0.0000 0422925826 O 02/01/20 0 9784131 E22/G02 F 128,700.00 ZZ 180 127,974.73 1 5.8750 1077.37 89 5.6250 1077.37 HAMMOND IN 46324 2 01/20/05 04 0423000165 05 03/01/05 25.0000 0423000165 O 02/01/20 0 9784205 E22/U57 F 136,800.00 ZZ 180 136,329.60 1 6.0000 1154.40 90 5.7500 1154.40 GRAND JUNCTIONCO 81501 5 01/20/05 04 0423069350 05 03/01/05 25.0000 0423069350 O 02/01/20 0 9785093 E82/G02 F 52,640.00 ZZ 180 52,457.06 1 5.8750 440.66 80 5.6250 440.66 REDKEY IN 47373 2 01/24/05 00 0401039706 05 03/01/05 0.0000 0401039706 O 02/01/20 0 9785111 E82/G02 F 83,000.00 ZZ 180 82,708.47 1 5.7500 689.24 56 5.5000 689.24 GROVELAND FL 34736 5 01/24/05 00 0401054663 05 03/01/05 0.0000 0401054663 O 02/01/20 0 9785835 253/253 F 198,400.00 ZZ 180 197,717.78 1 6.0000 1674.22 80 5.7500 1674.22 KELLER TX 76262 1 01/21/05 00 377548 05 03/01/05 0.0000 377548 O 02/01/20 0 9785969 H81/G02 F 92,500.00 ZZ 180 92,178.53 2 5.8750 774.33 74 5.6250 774.33 MILWAUKEE WI 53207 5 01/20/05 00 0438935371 05 03/01/05 0.0000 40040121 O 02/01/20 0 9786157 E82/G02 F 175,000.00 ZZ 180 174,404.64 1 6.1250 1488.59 90 5.8750 1488.59 NORTHGLENN CO 80233 2 01/25/05 04 0401070636 05 03/01/05 20.0000 0401070636 N 02/01/20 0 9786223 E82/G02 F 55,500.00 ZZ 180 55,311.18 1 6.1250 472.10 62 5.8750 472.10 BARTLESVILLE OK 74003 2 01/26/05 00 0401056932 05 03/01/05 0.0000 0401056932 O 02/01/20 0 9786325 E22/G02 F 56,700.00 ZZ 180 56,500.85 1 5.7500 470.84 90 5.5000 470.84 CLEBURNE TX 76033 1 01/27/05 10 0423036169 05 03/01/05 20.0000 0423036169 N 02/01/20 0 9786413 E22/U57 F 127,200.00 ZZ 180 126,743.67 1 5.5000 1039.33 80 5.2500 1039.33 ALBUQUERQUE NM 87109 1 01/26/05 00 0423091560 09 03/01/05 0.0000 0423091560 O 02/01/20 0 9786487 E22/G02 F 221,600.00 ZZ 180 220,829.87 1 5.8750 1855.05 80 5.6250 1855.05 ANGELS CAMP CA 95222 1 01/20/05 00 0422806141 05 03/01/05 0.0000 0422806141 N 02/01/20 0 9786491 E22/G02 F 68,000.00 ZZ 180 67,763.68 1 5.8750 569.24 28 5.6250 569.24 HONOLULU HI 96822 2 01/18/05 00 0422818740 06 03/01/05 0.0000 0422818740 N 02/01/20 0 9786611 U05/G02 F 101,500.00 TX 180 101,154.69 2 6.1250 863.38 80 5.8750 863.38 SAN MARCOS TX 78666 5 01/24/05 00 0438909723 05 03/01/05 0.0000 3000704900 O 02/01/20 0 9786619 U05/G02 F 126,400.00 ZZ 180 125,960.71 1 5.8750 1058.12 80 5.6250 1058.12 EL MIRAGE AZ 85335 1 01/20/05 00 0438907917 03 03/01/05 0.0000 3000702537 N 02/01/20 0 9787479 E22/G02 F 45,000.00 ZZ 180 44,853.34 1 6.6250 395.10 100 6.3750 395.10 NORWICH KS 67118 2 01/24/05 10 0422796904 05 03/01/05 35.0000 0422796904 O 02/01/20 0 9787649 E22/G02 F 67,000.00 ZZ 180 66,722.40 1 5.5000 547.45 50 5.2500 547.45 CALDWELL TX 77836 2 01/24/05 00 0422986323 05 03/01/05 0.0000 0422986323 O 02/01/20 0 9787781 E22/G02 F 156,000.00 TX 180 155,457.85 1 5.8750 1305.90 80 5.6250 1305.90 SUGAR LAND TX 77479 5 01/24/05 00 0423044205 03 03/01/05 0.0000 0423044205 O 02/01/20 0 9787801 E22/G02 F 101,500.00 ZZ 180 101,158.37 1 6.2500 870.28 79 6.0000 870.28 PICKERINGTON OH 43147 2 01/24/05 00 0423063205 05 03/01/05 0.0000 0423063205 O 02/01/20 0 9789145 Q87/G02 F 83,200.00 ZZ 180 82,620.29 1 5.8750 696.48 80 5.6250 696.48 TEMPLE GA 30179 5 01/21/05 00 0438899486 05 02/26/05 0.0000 ARJO01 O 01/26/20 0 9789215 E22/G02 F 125,000.00 TX 180 124,565.58 1 5.8750 1046.40 66 5.6250 1046.40 OVILLA TX 75154 5 01/26/05 00 0423049972 05 03/01/05 0.0000 0423049972 O 02/01/20 0 9789343 E22/G02 F 100,000.00 TX 180 99,648.76 1 5.7500 830.41 80 5.5000 830.41 LEAGUE CITY TX 77573 5 01/26/05 00 0422946897 03 03/01/05 0.0000 0422946897 O 02/01/20 0 9789479 E22/U57 F 92,000.00 ZZ 180 91,696.91 1 6.5000 801.42 80 6.2500 801.42 DETROIT MI 48219 5 01/31/05 00 0423087444 05 03/01/05 0.0000 0423087444 N 02/01/20 0 9789539 E22/G02 F 101,000.00 ZZ 180 100,652.70 1 6.0000 852.30 99 5.7500 852.30 BRANDON MS 39047 2 01/25/05 10 0423108331 05 03/01/05 30.0000 0423108331 O 02/01/20 0 9789599 E22/U57 F 83,500.00 ZZ 180 83,227.87 2 6.6250 733.12 65 6.3750 733.12 ROGERSVILLE MO 65742 2 01/31/05 00 0422560243 05 03/01/05 0.0000 0422560243 N 02/01/20 0 9789843 E22/G02 F 116,000.00 ZZ 180 115,588.22 1 5.6250 955.53 74 5.3750 955.53 WAUKEGAN IL 60085 5 01/26/05 00 0423041995 05 03/01/05 0.0000 0423041995 O 02/01/20 0 9789877 E22/U57 F 261,000.00 ZZ 180 260,092.93 1 5.8750 2184.88 70 5.6250 2184.88 PATCHOGUE NY 11772 2 01/26/05 00 0423131523 05 03/01/05 0.0000 0423131523 O 02/01/20 0 9789925 E22/G02 F 50,000.00 ZZ 180 49,822.51 1 5.6250 411.87 76 5.3750 411.87 YORK PA 17403 1 01/31/05 00 0423158294 05 03/01/05 0.0000 0423158294 N 02/01/20 0 9789965 E22/G02 F 176,000.00 ZZ 180 175,375.23 1 5.6250 1449.77 80 5.3750 1449.77 TUCSON AZ 85735 2 01/25/05 00 0423168483 05 03/01/05 0.0000 0423168483 O 02/01/20 0 9790353 U05/G02 F 75,200.00 TX 180 74,944.16 1 6.1250 639.67 80 5.8750 639.67 BALCH SPRINGS TX 75180 5 01/21/05 00 0438898611 05 03/01/05 0.0000 3000705687 O 02/01/20 0 9792021 Q87/G02 F 75,400.00 ZZ 180 75,137.96 1 5.8750 631.19 65 5.6250 631.19 FAYETTEVILLE NC 28304 5 01/21/05 00 0438911331 05 03/01/05 0.0000 TARO01 O 02/01/20 0 9792389 144/144 F 500,000.00 T 180 498,243.78 2 5.7500 4152.05 65 5.5000 4152.05 WINDHAM NY 12496 4 01/25/05 00 02EVERGAM 05 03/01/05 0.0000 02EVERGAM O 02/01/20 0 9792441 E22/G02 F 131,250.00 TX 180 130,784.08 1 5.6250 1081.15 75 5.3750 1081.15 ARLINGTON TX 76017 5 01/27/05 00 0423132372 05 03/01/05 0.0000 0423132372 O 02/01/20 0 9792663 E22/G02 F 180,000.00 ZZ 180 179,347.41 1 5.3750 1458.84 80 5.1250 1458.84 ELKHART IN 46516 5 01/27/05 00 0422948455 05 03/01/05 0.0000 0422948455 O 02/01/20 0 9794841 H76/G02 F 148,200.00 ZZ 180 147,684.95 1 5.8750 1240.61 73 5.6250 1240.61 THURMONT MD 21788 5 01/25/05 00 0438901258 05 03/01/05 0.0000 607303 O 02/01/20 0 9794851 H76/G02 F 247,500.00 ZZ 180 246,693.37 3 6.6250 2173.04 55 6.3750 2173.04 BROOKLYN NY 11208 5 01/20/05 00 0438914277 05 03/01/05 0.0000 594487 N 02/01/20 0 9795801 U05/G02 F 111,900.00 ZZ 180 111,523.35 1 6.2500 959.46 80 6.0000 959.46 MIAMI FL 33126 1 01/19/05 00 0438934622 01 03/01/05 0.0000 3000704561 N 02/01/20 0 9795865 U05/G02 F 140,000.00 T 180 139,508.26 1 5.7500 1162.57 80 5.5000 1162.57 EL MIRAGE AZ 85335 1 01/20/05 00 0438937427 03 03/01/05 0.0000 3000702545 O 02/01/20 0 9795881 U05/G02 F 170,000.00 ZZ 180 169,402.88 1 5.7500 1411.70 74 5.5000 1411.70 CHICAGO IL 60645 5 01/19/05 00 0438938581 01 03/01/05 0.0000 3000703431 O 02/01/20 0 9795939 U05/G02 F 49,500.00 ZZ 180 49,333.39 1 6.2500 424.42 57 6.0000 424.42 DALLAS TX 75217 2 01/11/05 00 0438956104 05 03/01/05 0.0000 3000690897 N 02/01/20 0 9795951 U05/G02 F 158,000.00 ZZ 180 157,456.71 1 6.0000 1333.29 42 5.7500 1333.29 PINE BUSH NY 12566 5 01/20/05 00 0438956211 05 03/01/05 0.0000 3000694280 O 02/01/20 0 9796093 944/G02 F 129,600.00 ZZ 180 128,667.99 1 5.5000 1058.94 80 5.2500 1058.94 CHICAGO IL 60638 5 12/23/04 00 0438908824 05 02/01/05 0.0000 01799959 O 01/01/20 0 9796351 E22/U57 F 155,000.00 TX 180 154,483.85 1 6.3750 1339.59 77 6.1250 1339.59 PLANO TX 75023 5 01/28/05 00 0423118215 05 03/01/05 0.0000 0423118215 O 02/01/20 0 9796375 E22/G02 F 27,500.00 ZZ 180 27,373.41 1 6.5000 239.55 55 6.2500 239.55 ALTON IL 62002 5 02/02/05 00 0423158310 05 03/01/05 0.0000 0423158310 N 02/01/20 0 9797837 N74/G02 F 141,400.00 ZZ 180 140,881.95 1 5.2500 1136.68 70 5.0000 1136.68 SUMMERFIELD NC 27358 5 01/26/05 00 0438930059 05 03/01/05 0.0000 0035780010 O 02/01/20 0 9798081 E22/G02 F 80,000.00 ZZ 180 79,716.01 1 5.6250 658.99 80 5.3750 658.99 KNIGHTDALE NC 27545 2 02/03/05 00 0422905737 03 03/01/05 0.0000 0422905737 N 02/01/20 0 9798147 E22/G02 F 91,100.00 ZZ 180 90,786.75 4 6.0000 768.75 47 5.7500 768.75 HARVEY LA 70058 2 02/03/05 00 0423069541 05 03/01/05 0.0000 0423069541 N 02/01/20 0 9798181 E22/G02 F 86,000.00 TX 180 86,000.00 1 5.8750 719.92 76 5.6250 719.92 EULESS TX 76040 5 02/03/05 00 0423129667 05 04/01/05 0.0000 0423129667 N 03/01/20 0 9798251 E22/U57 F 66,800.00 ZZ 180 66,565.37 1 5.7500 554.71 80 5.5000 554.71 SOUTH BEND IN 46635 2 02/03/05 00 0421773094 05 03/01/05 0.0000 0421773094 N 02/01/20 0 9798659 950/U57 F 61,600.00 ZZ 180 61,390.44 1 6.1250 523.98 80 5.8750 523.98 KLAMATH FALLS OR 97603 1 01/24/05 00 0438939209 05 03/01/05 0.0000 HW4C002 N 02/01/20 0 9798847 025/025 F 98,000.00 ZZ 180 96,047.80 1 5.3750 794.26 52 5.1250 794.26 ORLANDO FL 32818 5 10/20/04 00 0141900340 05 12/01/04 0.0000 0141900340 O 11/01/19 0 9798891 025/025 F 250,000.00 ZZ 180 247,408.16 1 6.0000 2109.64 77 5.7500 2109.64 WONEWOC WI 53968 5 11/18/04 00 0142699370 05 01/01/05 0.0000 0142699370 O 12/01/19 0 9798903 025/025 F 64,000.00 ZZ 180 63,350.34 1 6.2500 548.76 80 6.0000 548.76 HOUSTON TX 77089 1 11/09/04 00 0142808583 05 01/01/05 0.0000 0142808583 N 12/01/19 0 9798965 025/025 F 150,000.00 ZZ 180 148,943.74 4 5.7500 1245.62 44 5.5000 1245.62 SPENCER MA 01562 5 12/09/04 00 0142872563 05 02/01/05 0.0000 0142872563 N 01/01/20 0 9798979 025/025 F 127,000.00 ZZ 180 125,659.86 1 5.8750 1063.15 64 5.6250 1063.15 LAKEWORTH FL 33463 2 11/24/04 00 0142904838 03 01/01/05 0.0000 0142904838 O 12/01/19 0 9799055 025/025 F 400,000.00 ZZ 180 395,853.04 1 6.0000 3375.43 44 5.7500 3375.43 CANTON GA 30114 5 11/22/04 00 0030093801 05 01/01/05 0.0000 0030093801 O 12/01/19 0 9799071 025/025 F 81,200.00 ZZ 180 80,349.22 1 5.8750 679.75 80 5.6250 679.75 DALTON GA 30721 1 11/22/04 00 0142924794 05 01/01/05 0.0000 0142924794 N 12/01/19 0 9799105 025/025 F 85,000.00 ZZ 180 84,080.96 1 5.5000 694.53 50 5.2500 694.53 OLYMPIA WA 98512 5 11/24/04 00 0142950757 05 01/01/05 0.0000 0142950757 N 12/01/19 0 9799221 025/025 F 300,000.00 ZZ 180 297,953.53 1 6.1250 2551.88 77 5.8750 2551.88 GLEN SPEY NY 12737 1 12/13/04 00 0134959204 05 02/01/05 0.0000 0134959204 O 01/01/20 0 9799253 025/025 F 113,750.00 ZZ 180 112,595.39 2 6.2500 975.32 65 6.0000 975.32 CHAPEL HILL NC 27516 5 11/29/04 00 0201037280 05 01/01/05 0.0000 0201037280 N 12/01/19 0 9799271 025/025 F 37,680.00 ZZ 180 37,249.24 1 6.5000 328.23 80 6.2500 328.23 EUSTACE TX 75124 1 11/19/04 00 0201065968 05 01/01/05 0.0000 0201065968 N 12/01/19 0 9799273 025/025 F 120,000.00 ZZ 180 118,386.24 1 6.5000 1045.33 49 6.2500 1045.33 LONGWOOD FL 32779 5 11/30/04 00 0030280424 05 01/01/05 0.0000 0030280424 O 12/01/19 0 9799281 025/025 F 73,000.00 ZZ 180 71,964.05 1 6.3750 630.90 45 6.1250 630.90 SNELLVILLE GA 30078 5 11/30/04 00 0030668644 05 01/01/05 0.0000 0030668644 N 12/01/19 0 9799283 025/025 F 92,900.00 ZZ 180 91,946.99 1 6.1250 790.23 48 5.8750 790.23 SMYRNA GA 30080 2 11/19/04 00 0030678361 05 01/01/05 0.0000 0030678361 N 12/01/19 0 9799315 025/025 F 57,000.00 ZZ 180 56,216.26 1 6.1250 484.86 72 5.8750 484.86 HOLIDAY FL 34690 5 11/30/04 00 0031453582 05 01/01/05 0.0000 0031453582 N 12/01/19 0 9799319 025/025 F 75,000.00 ZZ 180 74,197.53 1 5.6250 617.80 58 5.3750 617.80 PARRISH AL 35580 5 11/09/04 00 0143009256 05 01/01/05 0.0000 0143009256 O 12/01/19 0 9799337 025/025 F 225,000.00 ZZ 180 223,398.83 1 5.6250 1853.40 51 5.3750 1853.40 URBANA IL 61801 5 12/21/04 00 0143027969 05 02/01/05 0.0000 0143027969 O 01/01/20 0 9799461 025/025 F 350,000.00 ZZ 180 347,687.66 1 6.5000 3048.88 73 6.2500 3048.88 DAVIS CA 95616 5 12/16/04 00 0201139870 05 02/01/05 0.0000 0201139870 O 01/01/20 0 9799465 025/025 F 84,500.00 ZZ 180 83,916.20 1 6.7500 747.75 57 6.5000 747.75 BARNESVILLE GA 30204 2 12/15/04 00 0201141298 05 02/01/05 0.0000 0201141298 O 01/01/20 0 9799471 025/025 F 51,800.00 TX 180 51,457.78 1 6.5000 451.23 70 6.2500 451.23 GRANBURY TX 76049 5 12/17/04 00 0201147634 05 02/01/05 0.0000 0201147634 N 01/01/20 0 9799513 025/025 F 385,000.00 ZZ 180 380,749.80 1 5.2500 3094.93 43 5.0000 3094.93 NORTH AUGUSTA SC 29841 2 11/29/04 00 0031745946 03 01/01/05 0.0000 0031745946 O 12/01/19 0 9799525 025/025 F 77,000.00 ZZ 180 74,457.63 1 5.7500 639.42 41 5.5000 639.42 MONROE GA 30656 5 11/08/04 00 0032007379 05 12/01/04 0.0000 0032007379 O 11/01/19 0 9799629 E22/G02 F 110,000.00 ZZ 180 110,000.00 3 5.5000 898.79 44 5.2500 898.79 SONORA CA 95370 2 01/28/05 00 0423161777 05 04/01/05 0.0000 0423161777 N 03/01/20 0 9799687 E22/G02 F 80,000.00 ZZ 180 80,000.00 1 5.5000 653.67 80 5.2500 653.67 BARSTOW CA 92311 1 02/01/05 00 0423207000 05 04/01/05 0.0000 0423207000 N 03/01/20 0 9799845 E22/U57 F 69,500.00 ZZ 180 69,258.46 1 5.8750 581.80 57 5.6250 581.80 JACKSONVILLE FL 32207 2 02/04/05 00 0423060680 05 03/01/05 0.0000 0423060680 N 02/01/20 0 9799863 E22/G02 F 95,000.00 TX 120 95,000.00 1 5.6250 1036.89 78 5.3750 1036.89 NORTH RICHLANDTX 76180 5 01/31/05 00 0423076306 05 04/01/05 0.0000 0423076306 O 03/01/15 0 9799943 E22/G02 F 130,000.00 ZZ 180 130,000.00 1 6.2500 1114.65 64 6.0000 1114.65 WOODLAND PARK CO 80901 5 02/04/05 00 0422971994 05 04/01/05 0.0000 0422971994 N 03/01/20 0 9800017 E22/U57 F 98,000.00 ZZ 180 97,666.60 1 6.1250 833.61 86 5.8750 833.61 ABBEVILLE SC 29620 5 01/31/05 10 0422918433 05 03/01/05 12.0000 0422918433 O 02/01/20 0 9800033 E22/G02 F 82,000.00 ZZ 180 81,711.98 1 5.7500 680.94 76 5.5000 680.94 MIDDLESEX NC 27557 2 02/04/05 00 0422620146 05 03/01/05 0.0000 0422620146 N 02/01/20 0 9800035 E22/G02 F 66,800.00 ZZ 180 66,565.37 1 5.7500 554.71 80 5.5000 554.71 MIDDLESEX NC 27557 2 02/04/05 00 0422620609 05 03/01/05 0.0000 0422620609 N 02/01/20 0 9800037 E22/G02 F 80,000.00 ZZ 180 79,719.00 1 5.7500 664.33 75 5.5000 664.33 MIDDLESEX NC 27557 2 02/04/05 00 0422620724 05 03/01/05 0.0000 0422620724 N 02/01/20 0 9800073 E82/G02 F 437,000.00 ZZ 180 437,000.00 1 5.8750 3658.21 44 5.6250 3658.21 EDMOND OK 73003 2 02/01/05 00 0401060876 05 04/01/05 0.0000 0401060876 O 03/01/20 0 9800081 E82/G02 F 138,200.00 ZZ 180 138,200.00 1 5.5000 1129.21 68 5.2500 1129.21 DE BARY FL 32713 2 02/03/05 00 0401075668 03 04/01/05 0.0000 0401075668 O 03/01/20 0 9800089 E82/G02 F 176,500.00 ZZ 180 176,500.00 1 5.6250 1453.88 43 5.3750 1453.88 HOLBROOK NY 11741 2 02/02/05 00 0401059407 05 04/01/05 0.0000 0401059407 O 03/01/20 0 9800431 N74/G02 F 150,000.00 ZZ 180 149,461.87 1 5.5000 1225.63 39 5.2500 1225.63 GREENSBORO NC 27408 1 02/01/05 00 0438912842 05 03/01/05 0.0000 20002983 O 02/01/20 0 9800439 N74/G02 F 88,000.00 ZZ 180 87,677.59 1 5.2500 707.41 80 5.0000 707.41 FAYETTEVILLE AR 72701 1 01/19/05 00 0438914632 05 03/01/05 0.0000 0035746010 O 02/01/20 0 9800695 E22/G02 F 64,500.00 ZZ 180 64,500.00 1 6.1250 548.65 72 5.8750 548.65 OAKLAND MD 21550 5 02/07/05 00 0423028521 05 04/01/05 0.0000 0423028521 N 03/01/20 0 9800765 E22/G02 F 300,000.00 ZZ 180 298,946.27 1 5.7500 2491.23 79 5.5000 2491.23 RAPID CITY SD 57702 2 02/01/05 00 0423097138 05 03/01/05 0.0000 0423097138 O 02/01/20 0 9800803 E22/G02 F 92,500.00 TX 180 92,168.16 1 5.5000 755.80 58 5.2500 755.80 GARLAND TX 75040 5 02/02/05 00 0423138056 05 03/01/05 0.0000 0423138056 O 02/01/20 0 9800917 E22/G02 F 269,500.00 ZZ 180 269,500.00 1 5.5000 2202.04 70 5.2500 2202.04 PONTIAC MI 48341 5 02/02/05 00 0423230788 05 04/01/05 0.0000 0423230788 O 03/01/20 0 9800919 E22/G02 F 75,000.00 ZZ 180 75,000.00 1 5.3750 607.85 64 5.1250 607.85 CONVERSE TX 78109 2 02/07/05 00 0423234467 05 04/01/05 0.0000 0423234467 N 03/01/20 0 9801139 E82/G02 F 48,300.00 ZZ 180 48,300.00 1 5.7500 401.09 69 5.5000 401.09 WOOD RIVER IL 62095 2 02/02/05 00 0401076641 05 04/01/05 0.0000 0401076641 O 03/01/20 0 9801369 168/G02 F 600,000.00 ZZ 180 597,870.10 1 5.6250 4942.40 52 5.3750 4942.40 BURR RIDGE IL 60527 2 01/05/05 00 0438925133 05 03/01/05 0.0000 0539911283 O 02/01/20 0 9801405 168/G02 F 500,000.00 ZZ 180 493,953.27 1 5.7500 4152.06 70 5.5000 4152.06 ANTIOCH CA 94531 2 11/30/04 00 0438931644 05 01/01/05 0.0000 0539468606 O 12/01/19 0 9802109 A50/G02 F 404,000.00 ZZ 180 402,535.30 1 5.3750 3274.28 80 5.1250 3274.28 CLEVELAND TN 37312 5 01/28/05 00 0438928715 05 03/01/05 0.0000 10008560001 O 02/01/20 0 9802123 P01/G02 F 63,000.00 ZZ 180 62,776.36 2 5.6250 518.95 70 5.3750 518.95 NEW YORK MILLSNY 13417 1 01/28/05 00 0438924334 05 03/01/05 0.0000 04006329 O 02/01/20 0 9802347 E22/G02 F 128,000.00 ZZ 180 127,545.62 1 5.6250 1054.38 80 5.3750 1054.38 QUILCENE WA 98376 5 01/28/05 00 0422991596 05 03/01/05 0.0000 0422991596 O 02/01/20 0 9802389 E22/U57 F 108,000.00 ZZ 180 108,000.00 1 5.6250 889.63 80 5.3750 889.63 WINTER HAVEN FL 33830 5 02/03/05 00 0423043132 05 04/01/05 0.0000 0423043132 O 03/01/20 0 9802391 E22/G02 F 77,000.00 ZZ 120 77,000.00 1 5.7500 845.22 58 5.5000 845.22 HOUSTON TX 77043 2 02/03/05 00 0423043694 03 04/01/05 0.0000 0423043694 O 03/01/15 0 9802489 E22/G02 F 105,000.00 ZZ 180 105,000.00 1 5.7500 871.93 79 5.5000 871.93 IMPERIAL NE 69033 5 02/04/05 00 0423179290 05 04/01/05 0.0000 0423179290 O 03/01/20 0 9802495 E22/U57 F 86,250.00 TX 180 86,250.00 1 6.0000 727.83 75 5.7500 727.83 HOUSTON TX 77071 5 02/03/05 00 0423183474 03 04/01/05 0.0000 0423183474 O 03/01/20 0 9802547 E22/G02 F 38,500.00 ZZ 180 38,500.00 1 5.8750 322.29 25 5.6250 322.29 KERSEY CO 80644 5 02/08/05 00 0423226299 05 04/01/05 0.0000 0423226299 N 03/01/20 0 9803287 E22/G02 F 137,827.00 ZZ 180 137,327.31 1 5.3750 1117.04 80 5.1250 1117.04 RIO RANCHO NM 87124 1 01/18/05 00 0423087402 05 03/01/05 0.0000 0423087402 O 02/01/20 0 9803329 E22/G02 F 31,000.00 ZZ 180 31,000.00 1 6.3750 267.92 36 6.1250 267.92 BALTIMORE MD 21222 5 02/09/05 00 0423110238 07 04/01/05 0.0000 0423110238 N 03/01/20 0 9803415 E22/G02 F 88,500.00 ZZ 180 88,500.00 1 5.3750 717.26 77 5.1250 717.26 HUMBLE TX 77338 2 02/04/05 00 0423204296 05 04/01/05 0.0000 0423204296 O 03/01/20 0 9803829 U85/G02 F 40,000.00 ZZ 180 40,000.00 1 6.5000 348.44 38 6.2500 348.44 NEW VIRGINIA IA 50210 5 02/08/05 00 0438930554 05 04/01/05 0.0000 TQSREEDER O 03/01/20 0 9803911 E47/G02 F 101,800.00 ZZ 180 101,449.95 1 6.0000 859.05 53 5.7500 859.05 WALDORF MD 20601 2 01/31/05 00 0438927618 09 03/01/05 0.0000 7342511186 N 02/01/20 0 9804521 E82/G02 F 453,000.00 ZZ 180 453,000.00 1 6.0000 3822.67 70 5.7500 3822.67 BERKELEY HEIGHNJ 07922 5 02/09/05 00 0401072863 05 04/01/05 0.0000 0401072863 O 03/01/20 0 9804529 E82/G02 F 176,000.00 ZZ 180 176,000.00 1 5.7500 1461.52 79 5.5000 1461.52 WATERLOO IA 50701 2 02/07/05 00 0401079629 05 04/01/05 0.0000 0401079629 O 03/01/20 0 9804547 E22/G02 F 152,000.00 ZZ 180 152,000.00 1 5.3750 1231.91 80 5.1250 1231.91 MIDWAY UT 84049 5 02/03/05 00 0422818427 05 04/01/05 0.0000 0422818427 O 03/01/20 0 9804553 E22/G02 F 50,000.00 ZZ 180 50,000.00 1 6.1250 425.31 80 5.8750 425.31 WICHITA KS 67213 2 02/10/05 00 0422911552 05 04/01/05 0.0000 0422911552 N 03/01/20 0 9804697 E22/G02 F 37,500.00 ZZ 120 37,500.00 1 6.3750 423.42 75 6.1250 423.42 STATESVILLE NC 28677 5 02/10/05 00 0423188820 05 04/01/05 0.0000 0423188820 N 03/01/15 0 9804729 E22/U57 F 52,000.00 ZZ 120 52,000.00 1 6.0000 577.31 80 5.7500 577.31 STATESVILLE NC 28677 5 02/10/05 00 0423228030 05 04/01/05 0.0000 0423228030 N 03/01/15 0 9804731 E22/U57 F 52,000.00 ZZ 120 52,000.00 1 6.0000 577.31 80 5.7500 577.31 STATESVILLE NC 28677 5 02/10/05 00 0423229459 05 04/01/05 0.0000 0423229459 N 03/01/15 0 9805247 B76/G02 F 211,500.00 ZZ 180 211,500.00 4 6.6250 1856.96 90 6.3750 1856.96 GRAND RAPIDS MI 49503 1 02/04/05 01 0438938532 05 04/01/05 25.0000 5046271 N 03/01/20 0 9805321 U05/G02 F 156,000.00 E 180 156,000.00 1 6.0000 1316.42 80 5.7500 1316.42 ENGLEWOOD CO 80110 1 02/07/05 00 0438940298 05 04/01/05 0.0000 3000708876 N 03/01/20 0 9805777 E22/G02 F 384,000.00 ZZ 180 384,000.00 2 5.7500 3188.77 80 5.5000 3188.77 CHICAGO IL 60618 5 02/07/05 00 0423203892 05 04/01/05 0.0000 0423203892 O 03/01/20 0 9806037 E22/G02 F 70,000.00 ZZ 180 70,000.00 1 5.8750 585.98 56 5.6250 585.98 WINTERVILLE NC 28590 5 02/11/05 00 0423225259 05 04/01/05 0.0000 0423225259 N 03/01/20 0 9806057 E22/G02 F 277,500.00 ZZ 180 277,500.00 1 6.2500 2379.35 75 6.0000 2379.35 CENTRAL ISLIP NY 11722 5 02/11/05 00 0423240696 05 04/01/05 0.0000 0423240696 N 03/01/20 0 9806275 Y69/G02 F 119,600.00 ZZ 180 119,170.93 1 5.5000 977.24 80 5.2500 977.24 GAINESVILLE FL 32609 1 01/19/05 00 0438975096 05 03/01/05 0.0000 5010024076 O 02/01/20 0 9806285 Y69/G02 F 642,800.00 ZZ 180 640,469.53 1 5.3750 5209.68 66 5.1250 5209.68 POTOMAC MD 20854 2 01/28/05 00 0438975120 03 03/01/05 0.0000 5010023734 O 02/01/20 0 9806293 Y69/G02 F 91,500.00 ZZ 180 91,171.73 1 5.5000 747.64 70 5.2500 747.64 LAKE WALES FL 33853 2 01/07/05 00 0438975138 05 03/01/05 0.0000 5020022943 O 02/01/20 0 9808795 E22/G02 F 76,000.00 ZZ 180 76,000.00 1 6.3750 656.83 92 6.1250 656.83 MOBILE AL 36605 5 02/09/05 10 0423157338 05 04/01/05 30.0000 0423157338 O 03/01/20 0 9808833 E22/G02 F 252,000.00 ZZ 180 252,000.00 1 5.3750 2042.37 54 5.1250 2042.37 FORESTHILL CA 95631 5 02/04/05 00 0423183409 05 04/01/05 0.0000 0423183409 O 03/01/20 0 9808979 E22/G02 F 200,000.00 ZZ 180 200,000.00 1 6.2500 1714.85 80 6.0000 1714.85 SANTA FE NM 87507 1 02/07/05 00 0423087592 05 04/01/05 0.0000 0423087592 N 03/01/20 0 9809055 E22/G02 F 188,000.00 ZZ 180 188,000.00 1 5.8750 1573.78 79 5.6250 1573.78 BLOOMINGTON MN 55425 5 02/04/05 00 0422955104 05 04/01/05 0.0000 0422955104 O 03/01/20 0 9809127 E22/G02 F 152,000.00 ZZ 180 152,000.00 2 5.2500 1221.89 56 5.0000 1221.89 MANCHESTER NH 03102 5 02/09/05 00 0423056910 05 04/01/05 0.0000 0423056910 O 03/01/20 0 9809137 E22/G02 F 159,500.00 ZZ 180 159,500.00 1 5.2500 1282.18 58 5.0000 1282.18 OCEANSIDE CA 92057 5 02/03/05 00 0423065622 03 04/01/05 0.0000 0423065622 O 03/01/20 0 9809207 E82/G02 F 84,700.00 ZZ 180 84,700.00 1 6.0000 714.75 65 5.7500 714.75 GLENDALE AZ 85304 2 02/11/05 00 0401077615 05 04/01/05 0.0000 0401077615 O 03/01/20 0 9810327 E82/G02 F 119,800.00 ZZ 180 119,800.00 1 5.6250 986.82 78 5.3750 986.82 GREAT FALLS MT 59404 5 02/07/05 00 0401061536 05 04/01/05 0.0000 0401061536 O 03/01/20 0 9811751 N74/U57 F 185,250.00 ZZ 180 184,606.19 1 5.8750 1550.76 95 5.6250 1550.76 WINSTON SALEM NC 27103 2 01/31/05 10 0438955346 05 03/04/05 30.0000 2200002982 O 02/04/20 0 9811985 025/025 F 455,750.00 ZZ 180 450,075.91 1 4.7500 3544.97 80 4.5000 3544.97 REDMOND WA 98052 5 11/09/04 00 0142950690 03 01/01/05 0.0000 0142950690 O 12/01/19 0 9812803 N74/G02 F 65,550.00 ZZ 180 65,324.60 1 6.0000 553.15 76 5.7500 553.15 SPRING VALLEY NC 27406 5 01/31/05 00 0438947707 05 03/04/05 0.0000 0035815010 O 02/04/20 0 9812835 H49/G02 F 291,300.00 ZZ 180 290,287.63 1 5.8750 2438.53 80 5.6250 2438.53 NORTH LAS VEGANV 89081 1 01/31/05 00 0438973612 03 03/01/05 0.0000 632138 O 02/01/20 0 9812839 U05/G02 F 169,128.00 ZZ 180 169,128.00 1 6.0000 1427.20 80 5.7500 1427.20 ENGLEWOOD CO 80111 1 02/07/05 00 0438956146 09 04/01/05 0.0000 3000708865 N 03/01/20 0 9813021 E82/G02 F 257,500.00 ZZ 180 257,500.00 1 5.5000 2103.98 50 5.2500 2103.98 NEWARK CA 94560 5 02/09/05 00 0401066915 05 04/01/05 0.0000 0401066915 O 03/01/20 0 9813465 E22/G02 F 50,000.00 TX 180 50,000.00 1 5.8750 418.56 39 5.6250 418.56 BRIDGEPORT TX 76426 5 02/09/05 00 0423031210 05 04/01/05 0.0000 0423031210 O 03/01/20 0 9815061 E22/U57 F 206,000.00 TX 180 206,000.00 1 5.8750 1724.46 75 5.6250 1724.46 DALLAS TX 75228 5 02/11/05 00 0423299908 05 04/01/05 0.0000 0423299908 O 03/01/20 0 9815117 E22/G02 F 76,800.00 ZZ 180 76,800.00 1 5.7500 637.75 80 5.5000 637.75 SPRING HOPE NC 27882 2 02/16/05 00 0422613380 05 04/01/05 0.0000 0422613380 N 03/01/20 0 9815167 E22/U57 F 120,000.00 TX 180 120,000.00 1 5.5000 980.50 80 5.2500 980.50 HOUSTON TX 77062 5 02/11/05 00 0423018076 03 04/01/05 0.0000 0423018076 O 03/01/20 0 9815223 E22/G02 F 75,650.00 ZZ 180 75,650.00 1 5.7500 628.21 85 5.5000 628.21 CHAMPION NE 69023 5 02/11/05 04 0423135078 05 04/01/05 6.0000 0423135078 O 03/01/20 0 9815321 E22/U57 F 171,000.00 ZZ 180 171,000.00 4 6.2500 1466.19 75 6.0000 1466.19 FORT WORTH TX 76133 2 02/16/05 00 0423223387 05 04/01/05 0.0000 0423223387 N 03/01/20 0 9815865 W02/G02 F 127,500.00 ZZ 180 127,500.00 1 5.1250 1016.58 74 4.8750 1016.58 DIXON SPRINGS TN 37057 5 02/11/05 00 0438968513 05 04/01/05 0.0000 0090094995 O 03/01/20 0 9816403 E22/G02 F 90,000.00 TX 180 90,000.00 1 6.3750 777.83 72 6.1250 777.83 HOUSTON TX 77084 5 02/17/05 00 0423118553 03 04/01/05 0.0000 0423118553 N 03/01/20 0 9816461 E22/G02 F 64,000.00 ZZ 180 64,000.00 2 6.5000 557.51 80 6.2500 557.51 SLIDELL LA 70460 5 02/16/05 00 0423203645 05 04/01/05 0.0000 0423203645 N 03/01/20 0 9816493 E22/G02 F 64,000.00 ZZ 180 64,000.00 2 6.5000 557.51 80 6.2500 557.51 SLIDELL LA 70460 5 02/16/05 00 0423241686 05 04/01/05 0.0000 0423241686 N 03/01/20 0 9816497 E22/G02 F 64,000.00 ZZ 180 64,000.00 2 6.5000 557.51 80 6.2500 557.51 SLIDELL LA 70460 5 02/16/05 00 0423243971 05 04/01/05 0.0000 0423243971 N 03/01/20 0 9817535 E82/G02 F 148,500.00 ZZ 180 148,500.00 1 5.3750 1203.54 73 5.1250 1203.54 CEDER MN 55011 2 02/11/05 00 0401051883 05 04/01/05 0.0000 0401051883 O 03/01/20 0 9817651 L14/G02 F 193,000.00 ZZ 180 192,336.35 1 6.0000 1628.65 65 5.7500 1628.65 PORT LUCIE FL 34986 1 01/28/05 00 0438987406 03 03/01/05 0.0000 210352091 N 02/01/20 0 9817829 L14/G02 F 260,000.00 ZZ 180 258,110.50 1 5.3750 2107.22 80 5.1250 2107.22 BOCA RATON FL 33433 1 12/22/04 00 0438984148 09 02/01/05 0.0000 220002641 O 01/01/20 0 9818031 E22/U57 F 498,400.00 TX 180 498,400.00 1 5.5000 4072.34 77 5.2500 4072.34 AUSTIN TX 78731 5 02/14/05 00 0422471714 05 04/01/05 0.0000 0422471714 O 03/01/20 0 9818049 E22/G02 F 105,600.00 ZZ 180 105,600.00 1 6.0000 891.11 80 5.7500 891.11 PRAIRIEVILLE LA 70769 2 02/18/05 00 0422854232 05 04/01/05 0.0000 0422854232 N 03/01/20 0 9818101 E22/U57 F 600,000.00 ZZ 180 600,000.00 1 5.5000 4902.50 79 5.2500 4902.50 GILBERT AZ 85233 2 02/04/05 00 0423039114 03 04/01/05 0.0000 0423039114 O 03/01/20 0 9818245 E22/G02 F 52,000.00 ZZ 180 52,000.00 1 5.5000 424.88 80 5.2500 424.88 SYLVA NC 28779 1 02/18/05 00 0423195841 07 04/01/05 0.0000 0423195841 N 03/01/20 0 9818261 E22/G02 F 54,400.00 ZZ 180 54,400.00 1 5.5000 444.49 80 5.2500 444.49 SYLVA NC 28779 1 02/18/05 00 0423207349 07 04/01/05 0.0000 0423207349 N 03/01/20 0 9818317 E22/G02 F 61,000.00 ZZ 180 61,000.00 1 5.8750 510.64 74 5.6250 510.64 ANTIOCH TN 37013 2 02/18/05 00 0423269935 07 04/01/05 0.0000 0423269935 N 03/01/20 0 9818419 E22/U57 F 123,300.00 ZZ 180 123,300.00 1 5.8750 1032.17 90 5.6250 1032.17 GASTONIA NC 28054 5 02/14/05 01 0423324045 05 04/01/05 12.0000 0423324045 O 03/01/20 0 9818435 E22/U57 F 70,400.00 ZZ 180 70,400.00 1 5.5000 575.23 80 5.2500 575.23 HUBER HEIGHTS OH 45424 5 02/18/05 00 0423335777 05 04/01/05 0.0000 0423335777 N 03/01/20 0 9818439 E22/U57 F 165,600.00 ZZ 180 165,600.00 1 6.0000 1397.43 80 5.7500 1397.43 WATERFORD MI 48327 1 02/21/05 00 0423338326 03 04/01/05 0.0000 0423338326 O 03/01/20 0 9818927 L14/G02 F 60,950.00 ZZ 180 60,721.97 1 5.0000 481.99 44 4.7500 481.99 CHARLOTTE NC 28215 1 01/20/05 00 0438982712 03 03/01/05 0.0000 101150755 O 02/01/20 0 9818935 L14/G02 F 75,201.00 ZZ 180 74,928.36 1 5.3750 609.48 39 5.1250 609.48 BOULDER CO 80302 2 01/03/05 00 0438980096 01 03/01/05 0.0000 232806276 O 02/01/20 0 9818939 L14/G02 F 244,300.00 ZZ 180 243,414.29 1 5.3750 1979.97 80 5.1250 1979.97 NORTH RICHLANDTX 76180 1 01/12/05 00 0438979536 03 03/01/05 0.0000 210331774 O 02/01/20 0 9818963 L14/G02 F 128,884.00 ZZ 180 128,411.80 1 5.2500 1036.07 80 5.0000 1036.07 BOERNE TX 78006 1 01/14/05 00 0438982159 03 03/01/05 0.0000 1038119681 O 02/01/20 0 9819063 L14/G02 F 150,000.00 ZZ 180 149,473.13 1 5.7500 1245.62 43 5.5000 1245.62 WILMINGTON CA 90744 5 01/11/05 00 0438986630 05 03/01/05 0.0000 217304040 O 02/01/20 0 9819097 L14/G02 F 55,675.00 ZZ 180 55,489.59 1 6.3750 481.18 84 6.1250 481.18 WILMINGTON NC 28412 1 01/12/05 11 0438982704 01 03/01/05 25.0000 207133758 N 02/01/20 0 9819205 N74/G02 F 152,000.00 ZZ 180 151,471.75 1 5.8750 1272.42 73 5.6250 1272.42 FORT SMITH AR 72916 5 02/11/05 00 0438980484 05 03/16/05 0.0000 0035851010 O 02/16/20 0 9819231 L14/G02 F 131,600.00 ZZ 180 131,142.64 1 5.8750 1101.65 75 5.6250 1101.65 ALTAMONTE SPRIFL 32714 1 01/28/05 00 0438983157 09 03/01/05 0.0000 100626929 O 02/01/20 0 9819401 E22/U57 F 103,000.00 ZZ 180 103,000.00 1 5.5000 841.60 39 5.2500 841.60 NORTH HIGHLANDCA 95660 5 02/15/05 00 0423128719 05 04/01/05 0.0000 0423128719 O 03/01/20 0 9819413 E22/G02 F 128,000.00 TX 180 128,000.00 1 5.7500 1062.92 80 5.5000 1062.92 HOUSTON TX 77015 5 02/15/05 00 0423137785 03 04/01/05 0.0000 0423137785 O 03/01/20 0 9819507 E22/U57 F 116,000.00 TX 180 116,000.00 1 5.5000 947.82 80 5.2500 947.82 CARROLLTON TX 75007 5 02/14/05 00 0423319425 05 04/01/05 0.0000 0423319425 O 03/01/20 0 9819545 E22/G02 F 49,000.00 ZZ 180 49,000.00 1 5.7500 406.90 75 5.5000 406.90 FORT WAYNE IN 46808 2 02/22/05 00 0423352517 05 04/01/05 0.0000 0423352517 N 03/01/20 0 9819547 E22/G02 F 215,000.00 ZZ 180 215,000.00 1 5.6250 1771.02 57 5.3750 1771.02 COLTON CA 92324 5 02/16/05 00 0423354497 05 04/01/05 0.0000 0423354497 O 03/01/20 0 9819615 E22/G02 F 40,000.00 T 120 40,000.00 1 5.7500 439.08 34 5.5000 439.08 MEMPHIS TN 38128 1 02/22/05 00 0423203306 05 04/01/05 0.0000 0423203306 O 03/01/15 0 9819755 E22/G02 F 228,000.00 TX 180 228,000.00 1 5.8750 1908.63 80 5.6250 1908.63 AMARILLO TX 79015 5 02/15/05 00 0423006121 05 04/01/05 0.0000 0423006121 O 03/01/20 0 9820157 642/G02 F 149,000.00 ZZ 180 149,000.00 1 5.6250 1227.36 69 5.3750 1227.36 EMIGRANT MT 59027 5 02/18/05 00 0438977035 05 04/01/05 0.0000 02107305 O 03/01/20 0 9820189 L14/G02 F 192,000.00 ZZ 180 191,332.73 1 5.8750 1607.27 80 5.6250 1607.27 YUMA AZ 85364 5 01/14/05 00 0438980997 05 03/01/05 0.0000 225510114 O 02/01/20 0 9820717 E22/G02 F 200,000.00 ZZ 180 200,000.00 1 6.0000 1687.71 79 5.7500 1687.71 COPPEROPOLIS CA 95228 5 02/15/05 00 0422915454 03 04/01/05 0.0000 0422915454 N 03/01/20 0 9820731 E22/G02 F 135,200.00 ZZ 180 135,200.00 1 6.5000 1177.74 80 6.2500 1177.74 NEW SQUARE NY 10977 1 02/23/05 00 0423016898 01 04/01/05 0.0000 0423016898 N 03/01/20 0 9820889 E82/G02 F 74,500.00 ZZ 180 74,500.00 1 5.7500 618.66 48 5.5000 618.66 WEST MONROE LA 71291 2 02/21/05 00 0401085428 05 04/01/05 0.0000 0401085428 O 03/01/20 0 9821181 T44/G02 F 99,900.00 ZZ 180 99,900.00 1 6.0000 843.01 93 5.7500 843.01 LOUISVILLE KY 40229 1 02/14/05 14 0438987422 05 04/01/05 25.0000 1134906 O 03/01/20 0 9822551 E22/G02 F 97,200.00 ZZ 180 97,200.00 1 6.2500 833.42 90 6.0000 833.42 MIDLAND TX 79707 1 02/23/05 10 0422929778 05 04/01/05 30.0000 0422929778 O 03/01/20 0 9822575 E22/G02 F 177,000.00 ZZ 180 177,000.00 1 5.5000 1446.24 94 5.2500 1446.24 BIRMINGHAM AL 35222 2 02/18/05 10 0423042126 05 04/01/05 25.0000 0423042126 O 03/01/20 0 9822749 E22/G02 F 95,000.00 ZZ 180 95,000.00 1 5.6250 782.55 31 5.3750 782.55 RANCHO CUCAMONCA 91730 5 02/18/05 00 0423429570 05 04/01/05 0.0000 0423429570 O 03/01/20 0 9822853 E22/G02 F 260,000.00 ZZ 180 260,000.00 1 5.7500 2159.07 80 5.5000 2159.07 GREENSBORO MD 21639 5 02/18/05 00 0423197532 05 04/01/05 0.0000 0423197532 O 03/01/20 0 9823037 E22/G02 F 90,000.00 ZZ 120 90,000.00 1 5.7500 987.92 75 5.5000 987.92 JOLIET IL 60435 5 02/18/05 00 0423327311 05 04/01/05 0.0000 0423327311 O 03/01/15 0 9823091 E82/G02 F 50,000.00 ZZ 180 50,000.00 2 6.5000 435.56 63 6.2500 435.56 NEWPORT NEWS VA 23607 2 02/23/05 00 0401079413 05 04/01/05 0.0000 0401079413 N 03/01/20 0 9823093 E82/G02 F 80,400.00 ZZ 180 80,400.00 1 5.6250 662.28 31 5.3750 662.28 HAMPSTEAD NH 03841 2 02/23/05 00 0401085121 05 04/01/05 0.0000 0401085121 O 03/01/20 0 9823099 E82/G02 F 55,500.00 ZZ 180 55,500.00 2 5.8750 464.60 14 5.6250 464.60 LOS ANGELES CA 90016 5 02/23/05 00 0401081047 05 04/01/05 0.0000 0401081047 O 03/01/20 0 9823117 E82/G02 F 166,000.00 ZZ 180 166,000.00 1 5.6250 1367.39 34 5.3750 1367.39 LONG BEACH CA 90815 2 02/26/05 00 0401062856 05 04/01/05 0.0000 0401062856 N 03/01/20 0 9823129 E82/G02 F 107,950.00 ZZ 180 107,950.00 1 6.1250 918.25 85 5.8750 918.25 SAINT MARYS GA 31558 5 02/23/05 04 0401061510 03 04/01/05 12.0000 0401061510 O 03/01/20 0 9824175 Q87/G02 F 60,000.00 ZZ 180 59,793.51 1 5.9900 505.99 75 5.7400 505.99 MOBILE AL 36617 5 02/11/05 00 0438993495 05 03/16/05 0.0000 JACR01 O 02/16/20 0 9824367 E22/G02 F 128,000.00 ZZ 180 128,000.00 1 5.8750 1071.51 93 5.6250 1071.51 MAYWOOD IL 60153 2 02/23/05 04 0423430222 05 04/01/05 25.0000 0423430222 O 03/01/20 0 9824419 E22/G02 F 119,925.00 ZZ 180 119,925.00 1 5.8750 1003.91 75 5.6250 1003.91 FRUITA CO 81521 2 02/25/05 00 0423358167 03 04/01/05 0.0000 0423358167 N 03/01/20 0 9824519 E22/G02 F 81,500.00 ZZ 180 81,500.00 1 6.0000 687.74 80 5.7500 687.74 BALTIMORE MD 21224 1 02/24/05 00 0423323294 07 04/01/05 0.0000 0423323294 O 03/01/20 0 9824571 E22/G02 F 80,000.00 TX 180 80,000.00 1 5.8750 669.69 80 5.6250 669.69 CONVERSE TX 78109 5 02/25/05 00 0423245901 03 04/01/05 0.0000 0423245901 N 03/01/20 0 9824593 E22/G02 F 68,000.00 T 180 68,000.00 1 5.8750 569.24 80 5.6250 569.24 WEST PALM BEACFL 33415 1 02/24/05 00 0423255934 01 04/01/05 0.0000 0423255934 O 03/01/20 0 9824669 E22/G02 F 59,200.00 ZZ 180 59,200.00 1 5.8750 495.57 80 5.6250 495.57 VALLEY VIEW TX 76272 1 02/25/05 00 0423239011 05 04/01/05 0.0000 0423239011 O 03/01/20 0 9825697 X12/G02 F 312,000.00 ZZ 180 306,351.97 1 5.5000 2549.30 80 5.2500 2549.30 RALEIGH NC 27614 1 09/17/04 00 0438994436 03 11/01/04 0.0000 1630900320 O 10/01/19 0 9826153 E22/G02 F 54,600.00 ZZ 180 54,600.00 1 5.7500 453.40 28 5.5000 453.40 HOUSTON TX 77008 2 02/23/05 00 0423345339 05 04/01/05 0.0000 0423345339 O 03/01/20 0 9826263 E22/G02 F 80,000.00 TX 180 80,000.00 1 5.3750 648.37 55 5.1250 648.37 FLORESVILLE TX 78114 5 02/22/05 00 0423378553 05 04/01/05 0.0000 0423378553 O 03/01/20 0 9826435 E22/G02 F 169,600.00 ZZ 180 169,600.00 1 5.6250 1397.05 80 5.3750 1397.05 KENT WA 98042 5 02/21/05 00 0423466697 05 04/01/05 0.0000 0423466697 O 03/01/20 0 9826715 E22/G02 F 77,700.00 ZZ 180 77,700.00 1 6.0000 655.68 70 5.7500 655.68 HOUSTON TX 77061 2 02/22/05 00 0423244029 03 04/01/05 0.0000 0423244029 O 03/01/20 0 9826801 E22/G02 F 65,000.00 ZZ 180 65,000.00 1 5.8750 544.13 60 5.6250 544.13 KALAMAZOO MI 49009 2 02/28/05 00 0423267301 05 04/01/05 0.0000 0423267301 N 03/01/20 0 9826887 E22/G02 F 209,700.00 ZZ 180 209,700.00 4 6.5000 1826.71 90 6.2500 1826.71 COLUMBIA SC 29201 1 02/28/05 04 0423308931 05 04/01/05 20.0000 0423308931 N 03/01/20 0 9826997 X12/G02 F 340,000.00 ZZ 180 336,285.42 1 5.3750 2755.58 58 5.1250 2755.58 GLENDORA CA 91741 5 11/22/04 00 0438993289 05 01/01/05 0.0000 1622101440 O 12/01/19 0 9827375 W35/G02 F 208,000.00 ZZ 180 208,000.00 1 5.5000 1699.53 80 5.2500 1699.53 COVINGTON KY 41015 2 02/23/05 00 0438998502 05 04/01/05 0.0000 43560 O 03/01/20 0 9827651 E22/G02 F 56,700.00 ZZ 180 56,700.00 1 6.1250 482.30 70 5.8750 482.30 WAWAKA IN 46794 5 03/01/05 00 0422891747 05 04/01/05 0.0000 0422891747 N 03/01/20 0 9827831 E22/G02 F 117,000.00 ZZ 180 117,000.00 1 6.0000 987.31 90 5.7500 987.31 AUBURN KS 66402 1 03/01/05 04 0423321488 05 04/01/05 25.0000 0423321488 O 03/01/20 0 9828205 W68/G02 F 175,000.00 TX 180 175,000.00 1 5.5000 1429.90 70 5.2500 1429.90 SUGAR LAND TX 77478 5 02/23/05 00 0439002742 03 04/01/05 0.0000 5011673 O 03/01/20 0 9828213 L68/G02 F 88,000.00 ZZ 180 88,000.00 1 5.3750 713.21 80 5.1250 713.21 FRANKFORT KY 40601 2 02/04/05 00 0438998197 05 04/01/05 0.0000 000010301 O 03/01/20 0 9828285 E84/G02 F 70,400.00 ZZ 180 70,400.00 1 5.8750 589.33 80 5.6250 589.33 AKRON OH 44312 5 02/11/05 00 0438996746 05 04/01/05 0.0000 93012034 N 03/01/20 0 9828463 N74/G02 F 40,000.00 ZZ 120 39,770.49 1 7.1250 467.01 75 6.8750 467.01 EMMET AR 71835 5 02/15/05 00 0438996837 05 03/22/05 0.0000 0035863010 O 02/22/15 0 9828647 E22/G02 F 126,000.00 TX 180 126,000.00 1 6.0000 1063.26 62 5.7500 1063.26 BRENHAM TX 77833 5 02/25/05 00 0423172873 05 04/01/05 0.0000 0423172873 O 03/01/20 0 9828785 E22/G02 F 71,800.00 ZZ 180 71,800.00 1 6.5000 625.46 86 6.2500 625.46 CAMDEN SC 29020 5 02/25/05 04 0423341973 05 04/01/05 12.0000 0423341973 O 03/01/20 0 9828843 E22/G02 F 308,000.00 ZZ 180 308,000.00 1 5.2500 2475.94 80 5.0000 2475.94 HOLBROOK NY 11741 5 02/25/05 00 0423412121 05 04/01/05 0.0000 0423412121 O 03/01/20 0 9828899 E82/G02 F 76,000.00 ZZ 180 76,000.00 1 5.8750 636.21 29 5.6250 636.21 CANTON GA 30115 2 02/28/05 00 0401079710 05 04/01/05 0.0000 0401079710 O 03/01/20 0 9829553 U05/G02 F 152,800.00 TX 180 152,800.00 1 5.8750 1279.12 80 5.6250 1279.12 DEL RIO TX 78840 5 02/25/05 00 0439006396 03 04/01/05 0.0000 3000709707 O 03/01/20 0 9831877 N74/G02 F 115,620.00 ZZ 180 115,620.00 1 5.7500 960.12 94 5.5000 960.12 APPOMATTOX VA 24522 5 02/17/05 10 0439004086 05 04/01/05 30.0000 0035878010 O 03/01/20 0 9831923 642/G02 F 112,000.00 ZZ 180 112,000.00 1 6.2500 960.31 80 6.0000 960.31 LAKE ELSINORE CA 92530 1 02/25/05 00 0439001801 05 04/01/05 0.0000 01138505 N 03/01/20 0 9831959 U05/G02 F 158,241.00 ZZ 180 158,241.00 1 6.0000 1335.33 80 5.7500 1335.33 CENTENNIAL CO 80122 1 02/07/05 00 0439004649 05 04/01/05 0.0000 3000709875 N 03/01/20 0 9832489 E22/G02 F 69,950.00 ZZ 180 69,950.00 1 5.7500 580.87 85 5.5000 580.87 OFALLON IL 62269 5 02/28/05 10 0423396993 01 04/01/05 6.0000 0423396993 O 03/01/20 0 9832535 E22/G02 F 58,400.00 ZZ 180 58,400.00 1 5.7500 484.96 80 5.5000 484.96 WATERFORD MS 38685 5 02/28/05 00 0423434562 05 04/01/05 0.0000 0423434562 O 03/01/20 0 9833595 E22/G02 F 50,000.00 TX 180 50,000.00 1 5.8750 418.56 77 5.6250 418.56 ATHENS TX 75752 5 02/28/05 00 0423351014 05 04/01/05 0.0000 0423351014 O 03/01/20 0 Total Number of Loans 695 Total Original Balance 105,028,702.00 Total Principal Balance 103,981,674.59 Total Original P+I 872,569.51 Total Current P+I 872,569.51 Fixed Rate Passthru Loan Number Sub Serv Fee Principal Bal Mstr Serv Fee Curr Note Rate Alloc Exp Net Curr Misc Exp Investor Rate Spread Post Strip Rate Strip 4652379 0.2500 42133.70 0.0800 7.8750 0.0000 7.6250 0.0000 7.5450 5.0000 2.5450 9003521 0.2500 136103.41 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.0000 0.6700 9097137 0.2500 208600.94 0.0300 5.2500 0.0000 5.0000 0.0000 4.9700 4.9700 0.0000 9112147 0.2500 92760.39 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9473123 0.2500 81809.54 0.0800 5.7500 0.0000 5.5000 0.0000 5.4200 5.0000 0.4200 9494647 0.2500 87121.26 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9515399 0.2500 91667.64 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9515623 0.2500 328041.90 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.0000 1.0450 9538475 0.2500 80547.38 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9539879 0.2500 82937.40 0.0300 4.8750 0.0000 4.6250 0.0000 4.5950 4.5950 0.0000 9539919 0.2500 99544.38 0.0300 5.2500 0.0000 5.0000 0.0000 4.9700 4.9700 0.0000 9539945 0.2500 293534.95 0.0800 5.6250 0.0000 5.3750 0.0000 5.2950 5.0000 0.2950 9540195 0.2500 123788.99 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9540692 0.2500 86307.09 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.0000 0.6700 9541909 0.2500 82953.61 0.0800 5.5000 0.0000 5.2500 0.0000 5.1700 5.0000 0.1700 9542499 0.2500 395878.35 0.0800 5.5000 0.0000 5.2500 0.0000 5.1700 5.0000 0.1700 9545201 0.2500 75466.33 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.0000 0.6700 9546765 0.2500 112615.73 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.0000 0.9200 9546767 0.2500 130232.30 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.0000 0.9200 9546783 0.2500 86674.72 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.0000 0.9200 9546787 0.2500 81208.76 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.0000 0.9200 9546897 0.2500 93076.50 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.0000 1.0450 9546903 0.2500 92238.34 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.0000 0.9200 9546905 0.2500 121122.58 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.0000 1.0450 9551077 0.2500 134540.21 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.0000 1.1700 9565149 0.2500 96660.46 0.0300 5.2500 0.0000 5.0000 0.0000 4.9700 4.9700 0.0000 9569549 0.2500 114915.22 0.0800 5.3750 0.0000 5.1250 0.0000 5.0450 5.0000 0.0450 9570251 0.2500 98048.76 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9571523 0.2500 83554.51 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.0000 0.9200 9574721 0.2500 90317.26 0.0800 5.3750 0.0000 5.1250 0.0000 5.0450 5.0000 0.0450 9578248 0.2500 220013.21 0.0800 5.5000 0.0000 5.2500 0.0000 5.1700 5.0000 0.1700 9578250 0.2500 166183.60 0.0800 5.5000 0.0000 5.2500 0.0000 5.1700 5.0000 0.1700 9578252 0.2500 113743.58 0.0800 5.3750 0.0000 5.1250 0.0000 5.0450 5.0000 0.0450 9578254 0.2500 318883.90 0.0800 5.5000 0.0000 5.2500 0.0000 5.1700 5.0000 0.1700 9578256 0.2500 202037.96 0.0800 5.5000 0.0000 5.2500 0.0000 5.1700 5.0000 0.1700 9578258 0.2500 497101.28 0.0800 5.5000 0.0000 5.2500 0.0000 5.1700 5.0000 0.1700 9578260 0.2500 113162.65 0.0800 5.6250 0.0000 5.3750 0.0000 5.2950 5.0000 0.2950 9578262 0.2500 183326.98 0.0800 5.3750 0.0000 5.1250 0.0000 5.0450 5.0000 0.0450 9581485 0.2500 86255.82 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9585025 0.2500 37070.49 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.0000 1.1700 9585151 0.2500 62159.52 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9585217 0.2500 81931.75 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.0000 0.9200 9585251 0.2500 46156.15 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.0000 0.7950 9585375 0.2500 293939.38 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.0000 0.9200 9585389 0.2500 144940.11 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.0000 0.7950 9585395 0.2500 108669.53 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.0000 1.2950 9585439 0.2500 72173.09 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9585445 0.2500 79707.24 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.0000 1.2950 9585471 0.2500 109093.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.0000 1.2950 9585523 0.2500 99978.46 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.0000 0.9200 9585579 0.2500 87774.78 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.0000 0.7950 9586763 0.2500 89335.52 0.0800 5.3750 0.0000 5.1250 0.0000 5.0450 5.0000 0.0450 9587839 0.2500 122100.62 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.0000 1.2950 9595425 0.2500 95406.12 0.0800 5.7500 0.0000 5.5000 0.0000 5.4200 5.0000 0.4200 9600995 0.2500 75391.39 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.0000 0.6700 9602224 0.2500 66533.16 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9604767 0.2500 132898.95 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.0000 1.0450 9607004 0.2500 323282.94 0.0800 5.6250 0.0000 5.3750 0.0000 5.2950 5.0000 0.2950 9607710 0.2500 286831.68 0.0800 5.3750 0.0000 5.1250 0.0000 5.0450 5.0000 0.0450 9608079 0.2500 93315.53 0.0800 5.7500 0.0000 5.5000 0.0000 5.4200 5.0000 0.4200 9608087 0.2500 92333.23 0.0800 5.7500 0.0000 5.5000 0.0000 5.4200 5.0000 0.4200 9608089 0.2500 93315.53 0.0800 5.7500 0.0000 5.5000 0.0000 5.4200 5.0000 0.4200 9609229 0.2500 92407.31 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9610045 0.2500 94669.66 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.0000 0.6700 9610843 0.2500 90669.97 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.0000 1.4200 9614456 0.2500 87730.93 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.0000 0.6700 9614474 0.2500 173767.70 0.0800 5.7500 0.0000 5.5000 0.0000 5.4200 5.0000 0.4200 9614497 0.2500 88038.96 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.0000 0.9200 9614506 0.2500 101266.46 0.0800 5.5000 0.0000 5.2500 0.0000 5.1700 5.0000 0.1700 9614526 0.2500 198065.33 0.0800 5.3750 0.0000 5.1250 0.0000 5.0450 5.0000 0.0450 9614532 0.2500 447372.16 0.0800 5.3750 0.0000 5.1250 0.0000 5.0450 5.0000 0.0450 9614552 0.2500 67471.17 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.0000 0.9200 9617601 0.2500 88447.69 0.0800 5.6250 0.0000 5.3750 0.0000 5.2950 5.0000 0.2950 9618083 0.2500 176418.04 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9622801 0.2500 85966.02 0.0800 5.7500 0.0000 5.5000 0.0000 5.4200 5.0000 0.4200 9624671 0.2500 91473.03 0.0800 5.6250 0.0000 5.3750 0.0000 5.2950 5.0000 0.2950 9624755 0.2500 93134.58 0.0800 5.5000 0.0000 5.2500 0.0000 5.1700 5.0000 0.1700 9629937 0.2500 116632.82 0.0800 5.3750 0.0000 5.1250 0.0000 5.0450 5.0000 0.0450 9629989 0.2500 86134.32 0.0800 5.5000 0.0000 5.2500 0.0000 5.1700 5.0000 0.1700 9630219 0.2500 92601.24 0.0800 5.5000 0.0000 5.2500 0.0000 5.1700 5.0000 0.1700 9631817 0.2500 86248.79 0.0800 5.6250 0.0000 5.3750 0.0000 5.2950 5.0000 0.2950 9632357 0.2500 189311.25 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9633880 0.2500 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0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9811985 0.2500 450075.91 0.0300 4.7500 0.0000 4.5000 0.0000 4.4700 4.4700 0.0000 9812803 0.2500 65324.60 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.0000 0.6700 9812835 0.2500 290287.63 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9812839 0.2500 169128.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.0000 0.6700 9813021 0.2500 257500.00 0.0800 5.5000 0.0000 5.2500 0.0000 5.1700 5.0000 0.1700 9813465 0.2500 50000.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9815061 0.2500 206000.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9815117 0.2500 76800.00 0.0800 5.7500 0.0000 5.5000 0.0000 5.4200 5.0000 0.4200 9815167 0.2500 120000.00 0.0800 5.5000 0.0000 5.2500 0.0000 5.1700 5.0000 0.1700 9815223 0.2500 75650.00 0.0800 5.7500 0.0000 5.5000 0.0000 5.4200 5.0000 0.4200 9815321 0.2500 171000.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.0000 0.9200 9815865 0.2500 127500.00 0.0300 5.1250 0.0000 4.8750 0.0000 4.8450 4.8450 0.0000 9816403 0.2500 90000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.0000 1.0450 9816461 0.2500 64000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.0000 1.1700 9816493 0.2500 64000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.0000 1.1700 9816497 0.2500 64000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.0000 1.1700 9817535 0.2500 148500.00 0.0800 5.3750 0.0000 5.1250 0.0000 5.0450 5.0000 0.0450 9817651 0.2500 192336.35 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.0000 0.6700 9817829 0.2500 258110.50 0.0800 5.3750 0.0000 5.1250 0.0000 5.0450 5.0000 0.0450 9818031 0.2500 498400.00 0.0800 5.5000 0.0000 5.2500 0.0000 5.1700 5.0000 0.1700 9818049 0.2500 105600.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.0000 0.6700 9818101 0.2500 600000.00 0.0800 5.5000 0.0000 5.2500 0.0000 5.1700 5.0000 0.1700 9818245 0.2500 52000.00 0.0800 5.5000 0.0000 5.2500 0.0000 5.1700 5.0000 0.1700 9818261 0.2500 54400.00 0.0800 5.5000 0.0000 5.2500 0.0000 5.1700 5.0000 0.1700 9818317 0.2500 61000.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9818419 0.2500 123300.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9818435 0.2500 70400.00 0.0800 5.5000 0.0000 5.2500 0.0000 5.1700 5.0000 0.1700 9818439 0.2500 165600.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.0000 0.6700 9818927 0.2500 60721.97 0.0300 5.0000 0.0000 4.7500 0.0000 4.7200 4.7200 0.0000 9818935 0.2500 74928.36 0.0800 5.3750 0.0000 5.1250 0.0000 5.0450 5.0000 0.0450 9818939 0.2500 243414.29 0.0800 5.3750 0.0000 5.1250 0.0000 5.0450 5.0000 0.0450 9818963 0.2500 128411.80 0.0300 5.2500 0.0000 5.0000 0.0000 4.9700 4.9700 0.0000 9819063 0.2500 149473.13 0.0800 5.7500 0.0000 5.5000 0.0000 5.4200 5.0000 0.4200 9819097 0.2500 55489.59 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.0000 1.0450 9819205 0.2500 151471.75 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9819231 0.2500 131142.64 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9819401 0.2500 103000.00 0.0800 5.5000 0.0000 5.2500 0.0000 5.1700 5.0000 0.1700 9819413 0.2500 128000.00 0.0800 5.7500 0.0000 5.5000 0.0000 5.4200 5.0000 0.4200 9819507 0.2500 116000.00 0.0800 5.5000 0.0000 5.2500 0.0000 5.1700 5.0000 0.1700 9819545 0.2500 49000.00 0.0800 5.7500 0.0000 5.5000 0.0000 5.4200 5.0000 0.4200 9819547 0.2500 215000.00 0.0800 5.6250 0.0000 5.3750 0.0000 5.2950 5.0000 0.2950 9819615 0.2500 40000.00 0.0800 5.7500 0.0000 5.5000 0.0000 5.4200 5.0000 0.4200 9819755 0.2500 228000.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9820157 0.2500 149000.00 0.0800 5.6250 0.0000 5.3750 0.0000 5.2950 5.0000 0.2950 9820189 0.2500 191332.73 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9820717 0.2500 200000.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.0000 0.6700 9820731 0.2500 135200.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.0000 1.1700 9820889 0.2500 74500.00 0.0800 5.7500 0.0000 5.5000 0.0000 5.4200 5.0000 0.4200 9821181 0.2500 99900.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.0000 0.6700 9822551 0.2500 97200.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.0000 0.9200 9822575 0.2500 177000.00 0.0800 5.5000 0.0000 5.2500 0.0000 5.1700 5.0000 0.1700 9822749 0.2500 95000.00 0.0800 5.6250 0.0000 5.3750 0.0000 5.2950 5.0000 0.2950 9822853 0.2500 260000.00 0.0800 5.7500 0.0000 5.5000 0.0000 5.4200 5.0000 0.4200 9823037 0.2500 90000.00 0.0800 5.7500 0.0000 5.5000 0.0000 5.4200 5.0000 0.4200 9823091 0.2500 50000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.0000 1.1700 9823093 0.2500 80400.00 0.0800 5.6250 0.0000 5.3750 0.0000 5.2950 5.0000 0.2950 9823099 0.2500 55500.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9823117 0.2500 166000.00 0.0800 5.6250 0.0000 5.3750 0.0000 5.2950 5.0000 0.2950 9823129 0.2500 107950.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.0000 0.7950 9824175 0.2500 59793.51 0.0800 5.9900 0.0000 5.7400 0.0000 5.6600 5.0000 0.6600 9824367 0.2500 128000.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9824419 0.2500 119925.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9824519 0.2500 81500.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.0000 0.6700 9824571 0.2500 80000.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9824593 0.2500 68000.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9824669 0.2500 59200.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9825697 0.2500 306351.97 0.0800 5.5000 0.0000 5.2500 0.0000 5.1700 5.0000 0.1700 9826153 0.2500 54600.00 0.0800 5.7500 0.0000 5.5000 0.0000 5.4200 5.0000 0.4200 9826263 0.2500 80000.00 0.0800 5.3750 0.0000 5.1250 0.0000 5.0450 5.0000 0.0450 9826435 0.2500 169600.00 0.0800 5.6250 0.0000 5.3750 0.0000 5.2950 5.0000 0.2950 9826715 0.2500 77700.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.0000 0.6700 9826801 0.2500 65000.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9826887 0.2500 209700.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.0000 1.1700 9826997 0.2500 336285.42 0.0800 5.3750 0.0000 5.1250 0.0000 5.0450 5.0000 0.0450 9827375 0.2500 208000.00 0.0800 5.5000 0.0000 5.2500 0.0000 5.1700 5.0000 0.1700 9827651 0.2500 56700.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.0000 0.7950 9827831 0.2500 117000.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.0000 0.6700 9828205 0.2500 175000.00 0.0800 5.5000 0.0000 5.2500 0.0000 5.1700 5.0000 0.1700 9828213 0.2500 88000.00 0.0800 5.3750 0.0000 5.1250 0.0000 5.0450 5.0000 0.0450 9828285 0.2500 70400.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9828463 0.2500 39770.49 0.0800 7.1250 0.0000 6.8750 0.0000 6.7950 5.0000 1.7950 9828647 0.2500 126000.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.0000 0.6700 9828785 0.2500 71800.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.0000 1.1700 9828843 0.2500 308000.00 0.0300 5.2500 0.0000 5.0000 0.0000 4.9700 4.9700 0.0000 9828899 0.2500 76000.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9829553 0.2500 152800.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 9831877 0.2500 115620.00 0.0800 5.7500 0.0000 5.5000 0.0000 5.4200 5.0000 0.4200 9831923 0.2500 112000.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.0000 0.9200 9831959 0.2500 158241.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.0000 0.6700 9832489 0.2500 69950.00 0.0800 5.7500 0.0000 5.5000 0.0000 5.4200 5.0000 0.4200 9832535 0.2500 58400.00 0.0800 5.7500 0.0000 5.5000 0.0000 5.4200 5.0000 0.4200 9833595 0.2500 50000.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.0000 0.5450 Total Number of Loans: 695 Total Original Balance: 105,028,702.00 Total Principal Balance: 103,981,674.59 Total Original P+I: 872,569.51 Total Current P+I: 872,569.51 EXHIBIT ONE-II MORTGAGE LOAN SCHEDULE SUB-GROUP I-2 LOAN Fixed Rate Loan Loan Number S/S Code Payment Type Original Bal Loan Feature Orig Term Principal Bal # of Units Orig Rate Original PI LTV Net Curr Current PI City State Zip Loan Purp Note Date MI Co Code Servicer Loan # Prop Type First Pay Date MI Coverage Seller Loan # Occup Code Maturity Date Investor Loan # 9578476 956/G02 F 336,000.00 ZZ 360 334,596.14 1 5.5000 1907.77 80 5.2500 1907.77 BELLEVUE WA 98005 5 11/22/04 00 0438769200 09 01/01/05 0.0000 5514110009 O 12/01/34 0 9592152 956/G02 F 420,000.00 ZZ 360 418,866.23 1 5.8750 2484.46 79 5.6250 2484.46 CAMARILLO CA 93010 5 12/09/04 00 0438830366 05 02/01/05 0.0000 2914110040 O 01/01/35 0 9614520 Y21/G02 F 512,000.00 ZZ 360 510,953.42 1 5.8750 3028.68 76 5.6250 3028.68 GLENDALE CA 91201 2 12/29/04 00 0438857922 05 02/01/05 0.0000 204893135 O 01/01/35 0 9626653 944/U57 F 400,000.00 ZZ 360 397,939.84 1 5.8750 2366.15 80 5.6250 2366.15 LA MIRADA CA 90637 5 09/22/04 00 0438546780 05 11/01/04 0.0000 W01780306 O 10/01/34 0 9628922 286/286 F 168,000.00 ZZ 360 167,613.74 2 5.2500 927.71 58 5.0000 927.71 MILFORD NH 03055 5 01/05/05 00 0003476968 05 02/01/05 0.0000 0003476968 N 01/01/35 0 9628924 286/286 F 137,500.00 ZZ 360 137,183.85 2 5.2500 759.29 49 5.0000 759.29 MILFORD NH 03055 2 01/05/05 00 0003476993 05 02/01/05 0.0000 0003476993 N 01/01/35 0 9628946 286/286 F 84,300.00 ZZ 360 83,953.67 1 5.8750 498.67 35 5.6250 498.67 ATLANTA GA 30345 2 10/20/04 00 0003663112 05 12/01/04 0.0000 0003663112 N 11/01/34 0 9628956 286/286 F 115,200.00 ZZ 360 114,845.89 1 5.8750 681.46 80 5.6250 681.46 MIDLOATHIAN VA 23112 1 11/19/04 00 0003680700 03 01/01/05 0.0000 0003680700 N 12/01/34 0 9628980 286/286 F 100,000.00 ZZ 360 99,677.77 2 5.6250 575.66 67 5.3750 575.66 ELLIJAY GA 30540 2 11/30/04 00 0003714273 05 01/01/05 0.0000 0003714273 N 12/01/34 0 9628982 286/286 F 100,000.00 ZZ 360 99,677.77 2 5.6250 575.66 67 5.3750 575.66 ELLIJAY GA 30540 2 11/30/04 00 0003714282 05 01/01/05 0.0000 0003714282 N 12/01/34 0 9628984 286/286 F 100,000.00 ZZ 360 99,677.77 2 5.6250 575.66 67 5.3750 575.66 ELLIJAY GA 30540 2 11/30/04 00 0003714292 05 01/01/05 0.0000 0003714292 N 12/01/34 0 9628994 286/286 F 186,000.00 ZZ 360 185,610.67 1 5.7500 1085.45 63 5.5000 1085.45 FRUITA CO 81521 1 12/15/04 00 0003716628 03 02/01/05 0.0000 0003716628 N 01/01/35 0 9628996 286/286 F 200,000.00 ZZ 360 199,590.08 2 5.8750 1183.08 77 5.6250 1183.08 BEND OR 97702 1 12/15/04 00 0003717315 05 02/01/05 0.0000 0003717315 N 01/01/35 0 9629000 286/286 F 255,164.00 ZZ 360 254,629.90 1 5.7500 1489.07 80 5.5000 1489.07 RESTON VA 20190 1 01/04/05 00 0003719485 01 02/01/05 0.0000 0003719485 N 01/01/35 0 9629006 286/286 F 165,000.00 ZZ 360 164,492.84 1 5.8750 976.04 39 5.6250 976.04 LEESBURG VA 20175 2 11/23/04 00 0003721615 05 01/01/05 0.0000 0003721615 N 12/01/34 0 9629014 286/286 F 110,000.00 ZZ 360 109,653.78 1 5.7500 641.94 69 5.5000 641.94 MEDFORD NJ 08055 1 11/09/04 00 0003728604 05 01/01/05 0.0000 0003728604 N 12/01/34 0 9629018 286/286 F 155,300.00 ZZ 360 154,974.94 2 5.7500 906.29 68 5.5000 906.29 AKRON OH 44333 2 12/08/04 00 0003731458 05 02/01/05 0.0000 0003731458 N 01/01/35 0 9629020 286/286 F 129,000.00 ZZ 360 128,603.48 1 5.8750 763.09 75 5.6250 763.09 HOUSTON TX 77056 1 11/23/04 00 0003731635 05 01/01/05 0.0000 0003731635 N 12/01/34 0 9629028 286/286 F 58,500.00 ZZ 360 58,320.19 1 5.8750 346.05 17 5.6250 346.05 OCEAN CITY MD 21842 5 11/29/04 00 0003733197 01 01/01/05 0.0000 0003733197 N 12/01/34 0 9629044 286/286 F 106,500.00 ZZ 360 106,391.42 2 5.8750 629.99 39 5.6250 629.99 WENATCHEE WA 98801 1 12/27/04 00 0003741301 05 03/01/05 0.0000 0003741301 N 02/01/35 0 9629060 286/286 F 262,500.00 ZZ 360 261,963.43 1 5.8750 1552.79 75 5.6250 1552.79 WEST COVINA CA 91791 1 12/09/04 00 0003752069 05 02/01/05 0.0000 0003752069 N 01/01/35 0 9629074 286/286 F 236,000.00 ZZ 360 235,517.60 1 5.8750 1396.03 51 5.6250 1396.03 OCEANSIDE CA 92057 5 12/28/04 00 0003756822 05 02/01/05 0.0000 0003756822 N 01/01/35 0 9629076 286/286 F 128,000.00 ZZ 360 127,866.35 2 5.7500 746.98 80 5.5000 746.98 AUSTIN TX 78758 1 01/03/05 00 0003757821 05 03/01/05 0.0000 0003757821 N 02/01/35 0 9629084 286/286 F 135,950.00 ZZ 360 135,672.10 1 5.8750 804.20 66 5.6250 804.20 ST GEORGE UT 84770 1 12/10/04 00 0003760866 05 02/01/05 0.0000 0003760866 N 01/01/35 0 9629088 286/286 F 122,600.00 ZZ 360 122,349.39 1 5.8750 725.23 66 5.6250 725.23 ST GEORGE UT 84770 1 12/10/04 00 0003763497 07 02/01/05 0.0000 0003763497 N 01/01/35 0 9629096 286/286 F 275,000.00 ZZ 360 274,437.87 4 5.8750 1626.73 48 5.6250 1626.73 SACRAMENTO CA 95825 1 12/28/04 00 0003766980 05 02/01/05 0.0000 0003766980 N 01/01/35 0 9629098 286/286 F 191,000.00 ZZ 360 190,589.31 1 5.8750 1129.84 36 5.6250 1129.84 SAN FRANCISCO CA 94117 5 12/30/04 00 0003768017 01 02/01/05 0.0000 0003768017 N 01/01/35 0 9629102 286/286 F 264,000.00 ZZ 360 263,460.36 1 5.8750 1561.66 80 5.6250 1561.66 SPRING VALLEY NY 10977 1 01/04/05 00 0003769345 05 02/01/05 0.0000 0003769345 N 01/01/35 0 9629104 286/286 F 230,000.00 ZZ 300 229,213.41 4 5.8750 1464.37 69 5.6250 1464.37 WAUWATOSA WI 53213 5 12/29/04 00 0003769636 05 02/01/05 0.0000 0003769636 N 01/01/30 0 9629114 286/286 F 131,250.00 ZZ 360 130,975.28 1 5.7500 765.94 75 5.5000 765.94 SAHUARITA AZ 85629 1 12/21/04 00 0003773416 03 02/01/05 0.0000 0003773416 N 01/01/35 0 9629116 286/286 F 70,000.00 ZZ 360 69,856.91 2 5.8750 414.08 67 5.6250 414.08 CLEVELAND OH 44128 5 01/03/05 00 0003774445 05 02/01/05 0.0000 0003774445 N 01/01/35 0 9629122 286/286 F 150,300.00 ZZ 360 149,977.87 1 5.6250 865.22 56 5.3750 865.22 MT PLEASANT SC 29464 2 12/06/04 00 0003775583 03 02/01/05 0.0000 0003775583 N 01/01/35 0 9629126 286/286 F 85,000.00 ZZ 360 84,822.08 1 5.7500 496.04 61 5.5000 496.04 LAWRENCEVILLE GA 30043 2 01/05/05 00 0003776339 05 02/01/05 0.0000 0003776339 N 01/01/35 0 9629128 286/286 F 260,000.00 ZZ 360 259,455.78 3 5.7500 1517.29 44 5.5000 1517.29 ALHAMBRA CA 91801 5 12/23/04 00 0003776557 05 02/01/05 0.0000 0003776557 N 01/01/35 0 9629150 286/286 F 104,900.00 ZZ 360 104,592.18 1 5.7500 612.17 70 5.5000 612.17 DALLAS TX 75235 2 01/03/05 00 0003782544 05 02/01/05 0.0000 0003782544 N 01/01/35 0 9629156 286/286 F 232,000.00 ZZ 360 231,737.50 1 5.6250 1335.53 75 5.3750 1335.53 COLLEGE PARK MD 20740 1 01/04/05 00 0003783344 05 03/01/05 0.0000 0003783344 N 02/01/35 0 9629164 286/286 F 138,750.00 ZZ 360 138,601.66 2 5.6250 798.73 75 5.3750 798.73 AUSTIN TX 78750 1 01/05/05 00 0003786630 05 03/01/05 0.0000 0003786630 N 02/01/35 0 9629168 286/286 F 128,000.00 ZZ 360 127,606.17 1 5.8750 757.17 80 5.6250 757.17 PEARLAND TX 77584 2 11/11/04 00 0003786932 03 01/01/05 0.0000 0003786932 N 12/01/34 0 9629174 286/286 F 128,000.00 ZZ 360 127,732.07 2 5.7500 746.97 51 5.5000 746.97 MADISON WI 53704 5 12/30/04 00 0003789303 05 02/01/05 0.0000 0003789303 N 01/01/35 0 9629188 286/286 F 61,000.00 ZZ 360 60,875.31 1 5.8750 360.84 63 5.6250 360.84 BOISE ID 83706 5 12/29/04 00 0003793658 05 02/01/05 0.0000 0003793658 N 01/01/35 0 9629190 286/286 F 75,000.00 ZZ 360 74,684.52 3 5.7500 437.68 43 5.5000 437.68 CHICAGO IL 60609 2 10/22/04 00 0003794096 05 12/01/04 0.0000 0003794096 N 11/01/34 0 9629196 286/286 F 108,800.00 ZZ 360 107,667.32 1 5.5000 617.75 80 5.2500 617.75 CHARLOTTE NC 28277 1 10/21/04 00 0003795527 03 12/01/04 0.0000 0003795527 N 11/01/34 0 9629200 286/286 F 128,250.00 ZZ 360 127,723.13 1 5.8750 758.65 75 5.6250 758.65 BELLINGHAM WA 98229 1 10/22/04 00 0003795715 05 12/01/04 0.0000 0003795715 N 11/01/34 0 9629216 286/286 F 72,799.00 ZZ 360 72,724.77 1 5.8750 430.64 80 5.6250 430.64 ROCKWALL TX 75087 1 01/05/05 00 0003799504 05 03/01/05 0.0000 0003799504 N 02/01/35 0 9629218 286/286 F 244,000.00 ZZ 360 242,949.23 1 5.6250 1404.60 68 5.3750 1404.60 SACRAMENTO CA 95829 2 10/19/04 00 0003799800 05 12/01/04 0.0000 0003799800 N 11/01/34 0 9629232 286/286 F 105,600.00 ZZ 360 105,378.95 1 5.7500 616.26 80 5.5000 616.26 RALEIGH NC 27604 1 01/03/05 00 0003801824 05 02/01/05 0.0000 0003801824 N 01/01/35 0 9629234 286/286 F 135,000.00 ZZ 360 127,866.53 1 5.8750 798.58 26 5.6250 798.58 INDIO CA 92201 1 12/28/04 00 0003801935 03 02/01/05 0.0000 0003801935 N 01/01/35 0 9629246 286/286 F 90,000.00 ZZ 360 89,630.25 1 5.8750 532.39 70 5.6250 532.39 MESA AZ 85208 1 10/22/04 00 0003806011 03 12/01/04 0.0000 0003806011 N 11/01/34 0 9629262 286/286 F 178,500.00 ZZ 360 178,318.01 1 5.8750 1055.90 70 5.6250 1055.90 SACRAMENTO CA 95822 5 01/04/05 00 0003814186 05 03/01/05 0.0000 0003814186 N 02/01/35 0 9631302 956/956 F 173,000.00 ZZ 360 172,819.38 1 5.7500 1009.58 41 5.5000 1009.58 FULLERTON CA 92832 5 01/04/05 00 614120072 05 03/01/05 0.0000 614120072 O 02/01/35 0 9631304 956/956 F 220,000.00 ZZ 360 219,747.65 1 5.2500 1214.85 45 5.0000 1214.85 SANTA ANA CA 92707 5 01/10/05 00 1914110008 05 03/01/05 0.0000 1914110008 O 02/01/35 0 9631306 956/956 F 170,000.00 ZZ 360 169,818.26 1 5.6250 978.62 63 5.3750 978.62 PALMER MA 01069 5 01/03/05 00 2814120059 05 03/01/05 0.0000 2814120059 O 02/01/35 0 9631308 956/956 F 100,000.00 ZZ 360 99,785.68 1 5.6250 575.66 19 5.3750 575.66 CAMARILLO CA 93012 5 12/23/04 00 2914120043 03 02/01/05 0.0000 2914120043 O 01/01/35 0 9631312 956/956 F 229,400.00 ZZ 360 228,919.83 1 5.7500 1338.72 51 5.5000 1338.72 LOUISVILLE KY 40245 2 12/20/04 00 3314120020 05 02/01/05 0.0000 3314120020 O 01/01/35 0 9631314 956/956 F 100,000.00 ZZ 360 99,785.68 1 5.6250 575.66 12 5.3750 575.66 WESTPORT CT 06880 5 12/31/04 00 3414120056 05 02/01/05 0.0000 3414120056 O 01/01/35 0 9631316 956/956 F 229,600.00 ZZ 360 229,354.54 1 5.6250 1321.71 80 5.3750 1321.71 NEW MILFORD CT 06776 5 01/11/05 00 3414120109 05 03/01/05 0.0000 3414120109 O 02/01/35 0 9631318 956/956 F 187,000.00 ZZ 360 186,804.76 1 5.7500 1091.28 68 5.5000 1091.28 MINNETONKA MN 55345 2 01/06/05 00 3514120054 05 03/01/05 0.0000 3514120054 O 02/01/35 0 9631320 956/956 F 208,000.00 ZZ 360 207,777.63 1 5.6250 1197.37 80 5.3750 1197.37 FORT COLLINS CO 80524 2 01/11/05 00 3614120068 03 03/01/05 0.0000 3614120068 O 02/01/35 0 9631322 956/956 F 219,900.00 ZZ 360 219,450.51 1 5.8750 1300.79 80 5.6250 1300.79 CRANBERRY TOWNPA 16066 1 12/31/04 00 3814120077 03 02/01/05 0.0000 3814120077 O 01/01/35 0 9631624 956/956 F 404,000.00 ZZ 360 403,011.33 1 5.7500 2357.63 72 5.5000 2357.63 SANTA CLARA CA 95051 2 12/23/04 00 214120048 05 02/01/05 0.0000 214120048 O 01/01/35 0 9631628 956/956 F 268,800.00 ZZ 360 268,237.38 1 5.7500 1568.64 80 5.5000 1568.64 LOS ANGELES CA 90047 5 12/22/04 00 514120015 05 02/01/05 0.0000 514120015 O 01/01/35 0 9631630 956/956 F 465,000.00 ZZ 360 463,848.52 1 5.8750 2750.65 70 5.6250 2750.65 BURBANK CA 91504 5 12/21/04 00 514120030 05 02/01/05 0.0000 514120030 O 01/01/35 0 9631634 956/956 F 396,000.00 ZZ 360 395,171.12 1 5.7500 2310.95 80 5.5000 2310.95 PALMDALE CA 93551 5 12/17/04 00 614110079 05 02/01/05 0.0000 614110079 O 01/01/35 0 9631636 956/956 F 505,000.00 ZZ 360 503,917.73 1 5.6250 2907.06 78 5.3750 2907.06 WHITTIER CA 90605 5 12/29/04 00 614120036 05 02/01/05 0.0000 614120036 O 01/01/35 0 9631638 956/956 F 341,250.00 ZZ 360 339,281.55 1 5.7500 1991.44 65 5.5000 1991.44 SAN JOSE CA 95128 5 09/13/04 00 714080063 05 11/01/04 0.0000 714080063 N 10/01/34 0 9631640 956/956 F 497,000.00 ZZ 360 495,959.71 1 5.7500 2900.36 78 5.5000 2900.36 SANTA ROSA CA 95409 5 12/17/04 00 814120024 05 02/01/05 0.0000 814120024 O 01/01/35 0 9631642 956/956 F 416,000.00 ZZ 360 415,575.87 1 5.8750 2460.80 80 5.6250 2460.80 TRACY CA 95377 5 01/07/05 00 814120071 05 03/01/05 0.0000 814120071 O 02/01/35 0 9631644 956/956 F 359,650.00 ZZ 360 359,265.51 1 5.6250 2070.35 79 5.3750 2070.35 FRESNO CA 93722 1 01/07/05 00 815010003 05 03/01/05 0.0000 815010003 O 02/01/35 0 9631646 956/956 F 415,000.00 ZZ 360 414,545.76 1 5.5000 2356.32 70 5.2500 2356.32 TOWNSHIP OF WANJ 07853 5 01/06/05 00 914120049 05 03/01/05 0.0000 914120049 O 02/01/35 0 9631652 956/956 F 104,000.00 ZZ 360 103,893.97 1 5.8750 615.20 80 5.6250 615.20 RIVERTON WY 82501 5 01/14/05 00 1314120025 05 03/01/05 0.0000 1314120025 O 02/01/35 0 9631654 956/956 F 160,000.00 ZZ 360 159,836.87 1 5.8750 946.46 80 5.6250 946.46 FOREST GROVE OR 97116 5 01/06/05 00 1314120059 05 03/01/05 0.0000 1314120059 O 02/01/35 0 9631656 956/956 F 150,000.00 ZZ 360 149,847.06 1 5.8750 887.31 75 5.6250 887.31 HAYDEN ID 83835 5 01/10/05 00 1314120065 03 03/01/05 0.0000 1314120065 N 02/01/35 0 9631658 956/956 F 71,250.00 ZZ 360 71,177.36 1 5.8750 421.47 75 5.6250 421.47 LIVINGSTON MT 59047 1 01/20/05 00 1315010003 05 03/01/05 0.0000 1315010003 O 02/01/35 0 9631660 956/956 F 322,000.00 ZZ 360 321,309.92 1 5.6250 1853.61 63 5.3750 1853.61 SAN DIEGO CA 92123 2 12/22/04 00 1514120010 05 02/01/05 0.0000 1514120010 N 01/01/35 0 9631662 956/956 F 350,000.00 ZZ 360 349,267.40 1 5.7500 2042.50 43 5.5000 2042.50 SAN DIEGO CA 92110 5 12/16/04 00 1514120012 05 02/01/05 0.0000 1514120012 O 01/01/35 0 9631664 956/956 F 323,000.00 ZZ 360 322,339.75 1 5.8750 1910.67 60 5.6250 1910.67 SAN DIEGO CA 92104 5 12/31/04 00 1514120033 05 02/01/05 0.0000 1514120033 N 01/01/35 0 9631666 956/956 F 179,000.00 ZZ 360 178,616.38 1 5.6250 1030.42 44 5.3750 1030.42 SAN DIEGO CA 92105 5 12/17/04 00 1514120034 05 02/01/05 0.0000 1514120034 O 01/01/35 0 9631668 956/956 F 360,000.00 ZZ 360 359,264.12 1 5.8750 2129.54 75 5.6250 2129.54 IMPERIAL BEACHCA 91932 2 12/31/04 00 1514120036 05 02/01/05 0.0000 1514120036 N 01/01/35 0 9631670 956/956 F 333,700.00 ZZ 360 332,984.83 1 5.6250 1920.97 80 5.3750 1920.97 LEMON GROVE CA 91945 1 12/16/04 00 1514120042 05 02/01/05 0.0000 1514120042 O 01/01/35 0 9631672 956/956 F 600,000.00 ZZ 360 598,744.12 1 5.7500 3501.44 62 5.5000 3501.44 BONITA CA 91902 5 12/21/04 00 1514120054 05 02/01/05 0.0000 1514120054 O 01/01/35 0 9631676 956/956 F 101,600.00 ZZ 360 101,392.33 1 5.8750 601.00 80 5.6250 601.00 FRISCO TX 75035 1 12/29/04 00 1614120094 03 02/01/05 0.0000 1614120094 N 01/01/35 0 9631678 956/956 F 408,000.00 ZZ 360 407,126.89 1 5.7500 2380.98 53 5.5000 2380.98 SAN BRUNO CA 94066 2 12/15/04 00 1814100299 05 02/01/05 0.0000 1814100299 O 01/01/35 0 9631680 956/956 F 359,000.00 ZZ 360 358,266.17 1 5.8750 2123.62 62 5.6250 2123.62 SONOMA CA 95476 5 12/14/04 00 1814110124 05 02/01/05 0.0000 1814110124 O 01/01/35 0 9631684 956/956 F 132,000.00 ZZ 360 131,784.75 1 5.7500 770.32 65 5.5000 770.32 LAS VEGAS NV 89108 5 01/12/05 00 1814110390 05 03/01/05 0.0000 1814110390 O 02/01/35 0 9631686 956/956 F 490,000.00 ZZ 360 489,500.42 1 5.8750 2898.54 70 5.6250 2898.54 YORBA LINDA CA 92887 5 01/07/05 00 1814120152 03 03/01/05 0.0000 1814120152 O 02/01/35 0 9631690 956/956 F 210,000.00 ZZ 360 209,549.94 1 5.6250 1208.88 59 5.3750 1208.88 INDIO CA 92201 5 12/15/04 00 1914120010 03 02/01/05 0.0000 1914120010 O 01/01/35 0 9631692 956/956 F 335,650.00 ZZ 360 334,913.55 1 5.5000 1905.78 77 5.2500 1905.78 LOS ANGELES CA 91401 5 12/27/04 00 1914120014 05 02/01/05 0.0000 1914120014 O 01/01/35 0 9631694 956/956 F 346,000.00 ZZ 360 345,630.11 1 5.6250 1991.77 80 5.3750 1991.77 CARSON CA 90745 2 01/07/05 00 1914120039 05 03/01/05 0.0000 1914120039 O 02/01/35 0 9631696 956/956 F 406,000.00 ZZ 360 405,525.69 4 5.7500 2369.31 70 5.5000 2369.31 LONG BEACH CA 90804 5 01/11/05 00 1915010001 05 03/01/05 0.0000 1915010001 O 02/01/35 0 9631700 956/956 F 426,500.00 ZZ 360 425,585.96 1 5.6250 2455.17 73 5.3750 2455.17 SANDY UT 84093 2 12/17/04 00 2214120058 05 02/01/05 0.0000 2214120058 O 01/01/35 0 9631702 956/956 F 246,000.00 ZZ 360 245,485.09 1 5.7500 1435.59 79 5.5000 1435.59 DILLON CO 80435 5 12/13/04 00 2414120007 03 02/01/05 0.0000 2414120007 O 01/01/35 0 9631706 956/956 F 500,000.00 ZZ 360 498,977.96 1 5.8750 2957.69 80 5.6250 2957.69 FRANKTOWN CO 80116 5 12/22/04 00 2414120027 05 02/01/05 0.0000 2414120027 O 01/01/35 0 9631708 956/956 F 224,000.00 ZZ 360 223,519.94 1 5.6250 1289.47 80 5.3750 1289.47 LITTLETON CO 80127 1 12/17/04 00 2414120035 03 02/01/05 0.0000 2414120035 O 01/01/35 0 9631710 956/956 F 240,000.00 ZZ 360 239,509.42 2 5.8750 1419.69 80 5.6250 1419.69 BOULDER CO 80302 1 12/28/04 00 2414120037 05 02/01/05 0.0000 2414120037 N 01/01/35 0 9631714 956/956 F 333,700.00 ZZ 360 333,001.53 1 5.7500 1947.38 73 5.5000 1947.38 DECATUR GA 30030 5 12/23/04 00 2714120018 05 02/01/05 0.0000 2714120018 O 01/01/35 0 9631716 956/956 F 180,000.00 ZZ 360 179,736.48 1 5.8750 1064.77 74 5.6250 1064.77 WARWICK RI 02886 5 01/13/05 00 2814120131 05 03/01/05 0.0000 2814120131 O 02/01/35 0 9631718 956/956 F 156,000.00 ZZ 360 155,573.00 1 5.7500 910.37 80 5.5000 910.37 CLOVIS CA 93612 5 12/15/04 00 2914080029 05 02/01/05 0.0000 2914080029 O 01/01/35 0 9631720 956/956 F 230,000.00 ZZ 360 229,765.50 1 5.8750 1360.54 43 5.6250 1360.54 ARROYO GRANDE CA 93420 5 01/05/05 00 2914110017 05 03/01/05 0.0000 2914110017 O 02/01/35 0 9631722 956/956 F 439,200.00 ZZ 360 438,236.34 1 5.5000 2493.73 80 5.2500 2493.73 OXNARD CA 93036 1 12/15/04 00 2914120018 03 02/01/05 0.0000 2914120018 O 01/01/35 0 9631724 956/956 F 244,000.00 ZZ 360 243,745.25 1 5.7500 1423.92 79 5.5000 1423.92 PERRIS CA 92571 2 01/05/05 00 2914120035 05 03/01/05 0.0000 2914120035 O 02/01/35 0 9631726 956/956 F 414,000.00 ZZ 360 413,151.86 1 5.8750 2448.97 72 5.6250 2448.97 NEW ORLEANS LA 70125 5 12/13/04 00 3214110021 05 02/01/05 0.0000 3214110021 O 01/01/35 0 9631728 956/956 F 220,000.00 ZZ 360 219,513.87 1 5.7500 1283.86 80 5.5000 1283.86 MANDEVILLE LA 70471 5 12/09/04 00 3214110039 03 02/01/05 0.0000 3214110039 O 01/01/35 0 9631734 956/956 F 488,000.00 ZZ 360 487,002.50 1 5.8750 2886.70 80 5.6250 2886.70 GREENWICH CT 06831 1 12/20/04 00 3414120022 05 02/01/05 0.0000 3414120022 O 01/01/35 0 9631736 956/956 F 466,400.00 ZZ 360 465,924.49 2 5.8750 2758.93 80 5.6250 2758.93 STAMFORD CT 06902 1 01/13/05 00 3414120057 05 03/01/05 0.0000 3414120057 O 02/01/35 0 9631738 956/956 F 180,000.00 ZZ 360 179,623.24 1 5.7500 1050.43 80 5.5000 1050.43 NEW FAIRFIELD CT 06812 5 12/31/04 00 3414120070 05 02/01/05 0.0000 3414120070 O 01/01/35 0 9631740 956/956 F 142,500.00 ZZ 360 141,872.23 1 5.8750 842.94 70 5.6250 842.94 AITKIN MN 56431 5 10/13/04 00 3514090024 05 12/01/04 0.0000 3514090024 O 11/01/34 0 9631742 956/956 F 189,600.00 ZZ 360 189,212.43 1 5.8750 1121.56 80 5.6250 1121.56 ST. LOUIS PARKMN 55416 5 12/27/04 00 3514120050 05 02/01/05 0.0000 3514120050 O 01/01/35 0 9631744 956/956 F 400,000.00 ZZ 360 399,592.18 1 5.8750 2366.15 69 5.6250 2366.15 OKLAHOMA CITY OK 73121 5 01/06/05 00 3614120046 05 03/01/05 0.0000 3614120046 O 02/01/35 0 9631746 956/956 F 537,600.00 ZZ 360 536,474.73 1 5.7500 3137.29 80 5.5000 3137.29 LAS VEGAS NV 89131 5 12/17/04 00 3714120041 03 02/01/05 0.0000 3714120041 O 01/01/35 0 9631750 956/956 F 287,000.00 ZZ 360 286,707.39 1 5.8750 1697.71 66 5.6250 1697.71 RENO NV 89511 5 01/10/05 00 3715010011 05 03/01/05 0.0000 3715010011 O 02/01/35 0 9631752 956/956 F 350,000.00 ZZ 360 349,249.90 1 5.6250 2014.80 70 5.3750 2014.80 LANDENBERG PA 19350 2 12/10/04 00 3814120010 03 02/01/05 0.0000 3814120010 O 01/01/35 0 9631756 956/956 F 375,000.00 ZZ 360 374,617.67 1 5.8750 2218.27 76 5.6250 2218.27 AURORA OH 44202 1 01/19/05 00 3814120061 03 03/01/05 0.0000 3814120061 O 02/01/35 0 9631758 956/956 F 276,000.00 ZZ 360 275,422.30 1 5.7500 1610.66 77 5.5000 1610.66 DURHAM NC 27705 5 12/17/04 00 3914110081 03 02/01/05 0.0000 3914110081 O 01/01/35 0 9631760 956/956 F 240,000.00 ZZ 360 239,743.42 1 5.6250 1381.58 80 5.3750 1381.58 HARRISBURG NC 28075 2 01/11/05 00 3914120001 03 03/01/05 0.0000 3914120001 O 02/01/35 0 9631762 956/956 F 153,000.00 ZZ 360 152,840.26 1 5.7500 892.87 57 5.5000 892.87 CHARLOTTE NC 28270 5 01/14/05 00 3914120075 05 03/01/05 0.0000 3914120075 O 02/01/35 0 9631764 956/956 F 217,500.00 ZZ 360 217,055.42 1 5.8750 1286.59 80 5.6250 1286.59 PALM COAST FL 32164 5 12/29/04 00 4214110065 03 02/01/05 0.0000 4214110065 O 01/01/35 0 9631766 956/956 F 162,400.00 ZZ 360 162,234.42 1 5.8750 960.66 80 5.6250 960.66 SAINT CLOUD FL 34772 5 01/07/05 00 4214120023 03 03/01/05 0.0000 4214120023 O 02/01/35 0 9631768 956/956 F 207,000.00 ZZ 360 206,788.96 1 5.8750 1224.48 75 5.6250 1224.48 OVIEDO FL 32765 1 01/10/05 00 4214120067 03 03/01/05 0.0000 4214120067 O 02/01/35 0 9631772 956/956 F 380,000.00 ZZ 360 379,185.62 1 5.6250 2187.49 47 5.3750 2187.49 RESTON VA 20194 2 12/21/04 00 4414110131 03 02/01/05 0.0000 4414110131 N 01/01/35 0 9631774 956/956 F 381,000.00 ZZ 360 380,592.69 1 5.6250 2193.25 70 5.3750 2193.25 BOYDS MD 20841 2 01/11/05 00 4414120008 03 03/01/05 0.0000 4414120008 O 02/01/35 0 9631776 956/956 F 418,000.00 ZZ 360 417,573.83 1 5.8750 2472.63 71 5.6250 2472.63 DAVIDSONVILLE MD 21035 5 01/07/05 00 4414120035 05 03/01/05 0.0000 4414120035 O 02/01/35 0 9631784 956/956 F 588,000.00 ZZ 360 586,139.27 1 5.5000 3338.60 80 5.2500 3338.60 ZIONSVILLE IN 46077 1 12/31/04 00 4914120038 05 02/01/05 0.0000 4914120038 O 01/01/35 0 9631786 956/956 F 56,000.00 ZZ 360 55,942.91 1 5.8750 331.26 68 5.6250 331.26 INDIANAPOLIS IN 46226 5 01/17/05 00 4914120042 05 03/01/05 0.0000 4914120042 N 02/01/35 0 9631788 956/956 F 196,000.00 ZZ 360 195,589.76 1 5.7500 1143.80 80 5.5000 1143.80 ZIONSVILLE IN 46077 1 12/29/04 00 4914120055 03 02/01/05 0.0000 4914120055 O 01/01/35 0 9631790 956/956 F 190,000.00 ZZ 360 189,796.88 1 5.6250 1093.75 80 5.3750 1093.75 SPOKANE WA 99223 2 01/13/05 00 5515010002 05 03/01/05 0.0000 5515010002 O 02/01/35 0 9631792 956/956 F 191,000.00 ZZ 360 190,609.57 1 5.8750 1129.84 71 5.6250 1129.84 FRESNO CA 93720 1 12/31/04 00 6214120004 05 02/01/05 0.0000 6214120004 N 01/01/35 0 9633740 286/286 F 230,000.00 ZZ 360 229,765.50 1 5.8750 1360.54 77 5.6250 1360.54 SCOTTSDALE AZ 85260 2 01/03/05 00 0003800438 03 03/01/05 0.0000 0003800438 O 02/01/35 0 9633744 286/286 F 350,000.00 ZZ 360 349,625.83 1 5.6250 2014.80 61 5.3750 2014.80 KNOXVILLE MD 21758 5 01/05/05 00 0003801745 05 03/01/05 0.0000 0003801745 O 02/01/35 0 9633794 286/286 F 328,000.00 ZZ 360 327,665.58 2 5.8750 1940.25 80 5.6250 1940.25 EVERETT MA 02149 1 01/21/05 00 0003811921 05 03/01/05 0.0000 0003811921 N 02/01/35 0 9633832 286/286 F 173,000.00 ZZ 360 172,823.61 1 5.8750 1023.37 83 5.6250 1023.37 VANCOUVER WA 98685 2 01/06/05 10 0003821394 05 03/01/05 12.0000 0003821394 O 02/01/35 0 9634040 286/286 F 158,000.00 ZZ 360 157,838.91 1 5.8750 934.63 79 5.6250 934.63 KENT WA 98042 5 12/30/04 00 0003707861 01 03/01/05 0.0000 0003707861 N 02/01/35 0 9634054 286/286 F 165,000.00 ZZ 360 164,827.72 1 5.7500 962.90 48 5.5000 962.90 PINE BEACH NJ 08741 5 01/11/05 00 0003729169 05 03/01/05 0.0000 0003729169 O 02/01/35 0 9634086 286/286 F 273,200.00 ZZ 360 272,921.45 1 5.8750 1616.09 80 5.6250 1616.09 VIRGINIA BEACHVA 23454 1 01/04/05 00 0003752725 05 03/01/05 0.0000 0003752725 O 02/01/35 0 9634176 286/286 F 119,200.00 ZZ 360 119,075.55 1 5.7500 695.62 80 5.5000 695.62 SPRINGFIELD IL 62704 1 01/05/05 00 0003792309 05 03/01/05 0.0000 0003792309 O 02/01/35 0 9635302 286/286 F 147,200.00 ZZ 360 147,049.92 1 5.8750 870.75 80 5.6250 870.75 HIGHLAND VILLATX 75077 1 01/14/05 00 0003783873 05 03/01/05 0.0000 0003783873 O 02/01/35 0 9635304 286/286 F 139,200.00 ZZ 360 138,915.46 1 5.8750 823.43 80 5.6250 823.43 GEORGETOWN TX 78628 1 12/22/04 00 0003784932 05 02/01/05 0.0000 0003784932 O 01/01/35 0 9635312 286/286 F 304,000.00 ZZ 360 303,682.60 1 5.7500 1774.07 80 5.5000 1774.07 DOWNINGTOWN PA 19335 1 01/21/05 00 0003787076 05 03/01/05 0.0000 0003787076 O 02/01/35 0 9635314 286/286 F 144,000.00 ZZ 360 143,705.64 1 5.8750 851.82 80 5.6250 851.82 MCKINNEY TX 75070 1 12/29/04 00 0003787785 03 02/01/05 0.0000 0003787785 O 01/01/35 0 9635316 286/286 F 112,000.00 ZZ 360 111,883.06 1 5.7500 653.61 80 5.5000 653.61 MONROE NC 28110 1 01/07/05 00 0003789584 05 03/01/05 0.0000 0003789584 O 02/01/35 0 9635334 286/286 F 154,480.00 ZZ 360 154,005.18 1 5.8750 913.81 80 5.6250 913.81 KATY TX 77493 1 11/24/04 00 0003793798 03 01/01/05 0.0000 0003793798 O 12/01/34 0 9635338 286/286 F 100,000.00 ZZ 360 99,898.04 1 5.8750 591.54 80 5.6250 591.54 LONGVIEW WA 98632 1 01/05/05 00 0003795028 05 03/01/05 0.0000 0003795028 O 02/01/35 0 9635340 286/286 F 147,200.00 ZZ 360 147,046.31 1 5.7500 859.02 80 5.5000 859.02 PEARLAND TX 77584 1 01/07/05 00 0003795900 03 03/01/05 0.0000 0003795900 O 02/01/35 0 9635342 286/286 F 153,000.00 ZZ 360 152,844.00 1 5.8750 905.06 80 5.6250 905.06 KELLER TX 76248 1 01/10/05 00 0003796122 03 03/01/05 0.0000 0003796122 O 02/01/35 0 9635344 286/286 F 187,200.00 ZZ 360 186,999.87 1 5.6250 1077.63 80 5.3750 1077.63 THORNTON CO 80241 1 01/21/05 00 0003796388 05 03/01/05 0.0000 0003796388 O 02/01/35 0 9635346 286/286 F 332,000.00 ZZ 360 331,653.36 1 5.7500 1937.47 80 5.5000 1937.47 PHILADELPHIA PA 19107 1 01/14/05 00 0003796922 05 02/01/05 0.0000 0003796922 O 01/01/35 0 9635348 286/286 F 159,920.00 ZZ 360 159,756.95 1 5.8750 945.99 80 5.6250 945.99 QUINCY WA 98848 1 01/03/05 00 0003797155 05 03/01/05 0.0000 0003797155 O 02/01/35 0 9635360 286/286 F 179,120.00 ZZ 360 178,923.94 1 5.5000 1017.03 80 5.2500 1017.03 DALLAS TX 75287 1 01/05/05 00 0003801703 05 03/01/05 0.0000 0003801703 O 02/01/35 0 9635366 286/286 F 146,000.00 ZZ 360 145,847.56 1 5.7500 852.02 80 5.5000 852.02 DENVER CO 80219 1 01/14/05 00 0003802221 05 03/01/05 0.0000 0003802221 O 02/01/35 0 9635374 286/286 F 155,900.00 ZZ 360 155,741.05 1 5.8750 922.21 80 5.6250 922.21 SOUTHAVEN MS 38672 1 01/06/05 00 0003804015 03 03/01/05 0.0000 0003804015 O 02/01/35 0 9635376 286/286 F 107,200.00 ZZ 360 107,086.14 1 5.7500 625.60 80 5.5000 625.60 AUSTIN TX 78729 1 01/10/05 00 0003804467 05 03/01/05 0.0000 0003804467 O 02/01/35 0 9635378 286/286 F 122,050.00 ZZ 360 121,925.56 1 5.8750 721.98 80 5.6250 721.98 KELLER TX 76248 1 01/11/05 00 0003805142 03 03/01/05 0.0000 0003805142 O 02/01/35 0 9635382 286/286 F 180,000.00 ZZ 360 179,816.48 1 5.8750 1064.77 80 5.6250 1064.77 OXFORD GA 30054 1 01/12/05 00 0003805653 05 03/01/05 0.0000 0003805653 O 02/01/35 0 9635384 286/286 F 183,450.00 ZZ 360 183,066.00 1 5.7500 1070.57 80 5.5000 1070.57 SCHERTZ TX 78154 1 12/29/04 00 0003805844 03 02/01/05 0.0000 0003805844 O 01/01/35 0 9635386 286/286 F 147,920.00 ZZ 360 147,610.37 1 5.7500 863.23 80 5.5000 863.23 FRISCO TX 75035 1 12/22/04 00 0003805910 03 02/01/05 0.0000 0003805910 O 01/01/35 0 9635396 286/286 F 172,000.00 ZZ 360 171,811.73 1 5.5000 976.60 80 5.2500 976.60 DALLAS TX 75287 1 01/14/05 00 0003810301 05 03/01/05 0.0000 0003810301 O 02/01/35 0 9635400 286/286 F 183,120.00 ZZ 360 182,933.29 1 5.8750 1083.23 80 5.6250 1083.23 ALBUQUERQUE NM 87120 1 01/14/05 00 0003810641 05 03/01/05 0.0000 0003810641 O 02/01/35 0 9635412 286/286 F 158,400.00 ZZ 360 158,238.50 1 5.8750 937.00 80 5.6250 937.00 NICEVILLE FL 32578 1 01/07/05 00 0003814178 03 03/01/05 0.0000 0003814178 O 02/01/35 0 9635414 286/286 F 140,876.00 ZZ 360 140,728.91 1 5.7500 822.12 80 5.5000 822.12 SAN ANTONIO TX 78260 1 01/04/05 00 0003814772 03 03/01/05 0.0000 0003814772 O 02/01/35 0 9635416 286/286 F 204,000.00 ZZ 360 203,731.67 1 5.8750 1206.74 80 5.6250 1206.74 SEATTLE WA 98106 1 01/04/05 00 0003814843 05 03/01/05 0.0000 0003814843 O 02/01/35 0 9635434 286/286 F 125,200.00 ZZ 360 125,069.28 1 5.7500 730.64 80 5.5000 730.64 KANSAS CITY MO 64116 1 01/18/05 00 0003821633 05 03/01/05 0.0000 0003821633 O 02/01/35 0 9635444 286/286 F 200,000.00 ZZ 360 199,796.09 1 5.8750 1183.08 80 5.6250 1183.08 TULSA OK 74136 1 01/07/05 00 0003826762 05 03/01/05 0.0000 0003826762 O 02/01/35 0 9635446 286/286 F 140,800.00 ZZ 360 140,656.44 1 5.8750 832.89 80 5.6250 832.89 FLOWER MOUND TX 75028 1 01/12/05 00 0003826838 03 03/01/05 0.0000 0003826838 O 02/01/35 0 9635448 286/286 F 88,000.00 ZZ 360 87,910.27 1 5.8750 520.56 80 5.6250 520.56 SHREVEPORT LA 71106 1 01/19/05 00 0003827812 05 03/01/05 0.0000 0003827812 O 02/01/35 0 9635452 286/286 F 267,200.00 ZZ 360 266,908.17 1 5.8750 1580.59 80 5.6250 1580.59 HOUSTON TX 77008 1 01/14/05 00 0003832478 05 03/01/05 0.0000 0003832478 O 02/01/35 0 9635460 286/286 F 118,800.00 ZZ 360 118,678.87 1 5.8750 702.75 80 5.6250 702.75 YUKON OK 73099 1 01/21/05 00 0003838683 05 03/01/05 0.0000 0003838683 O 02/01/35 0 9635462 286/286 F 199,288.00 ZZ 360 199,079.92 1 5.7500 1163.00 80 5.5000 1163.00 WYLIE TX 75098 1 01/18/05 00 0003838953 03 03/01/05 0.0000 0003838953 O 02/01/35 0 9635542 286/286 F 202,996.00 ZZ 360 202,581.05 1 5.8750 1200.80 80 5.6250 1200.80 COLORADO SPRINCO 80925 1 12/23/04 00 0003403761 05 02/01/05 0.0000 0003403761 O 01/01/35 0 9635544 286/286 F 324,000.00 ZZ 360 323,661.72 1 5.7500 1890.78 80 5.5000 1890.78 LAKEWOOD, WA WA 98498 1 01/05/05 00 0003483662 05 03/01/05 0.0000 0003483662 O 02/01/35 0 9635546 286/286 F 129,600.00 ZZ 360 128,846.47 1 5.7500 756.32 80 5.5000 756.32 STERLING HEIGHMI 48310 1 09/28/04 00 0003633813 03 11/01/04 0.0000 0003633813 O 10/01/34 0 9635556 286/286 F 166,000.00 ZZ 360 165,318.01 1 5.8750 981.96 80 5.6250 981.96 WINDSOR CO 80550 1 10/21/04 00 0003693256 05 12/01/04 0.0000 0003693256 O 11/01/34 0 9635568 286/286 F 185,592.00 ZZ 360 185,203.53 1 5.7500 1083.07 80 5.5000 1083.07 HOLLY SPRINGS NC 27540 1 12/20/04 00 0003706563 05 02/01/05 0.0000 0003706563 O 01/01/35 0 9635570 286/286 F 140,116.00 ZZ 360 139,685.33 1 5.8750 828.84 80 5.6250 828.84 EDMOND OK 73003 1 11/17/04 00 0003709352 03 01/01/05 0.0000 0003709352 O 12/01/34 0 9635576 286/286 F 178,650.00 ZZ 360 178,267.11 1 5.6250 1028.41 80 5.3750 1028.41 ALPHARETTA GA 30004 1 12/17/04 00 0003712946 09 02/01/05 0.0000 0003712946 O 01/01/35 0 9635578 286/286 F 121,139.00 ZZ 360 121,012.52 1 5.7500 706.94 80 5.5000 706.94 JEANNETTE PA 15644 1 01/07/05 00 0003717910 03 03/01/05 0.0000 0003717910 O 02/01/35 0 9635582 286/286 F 140,000.00 ZZ 360 139,487.87 1 5.8750 828.16 80 5.6250 828.16 MCKINNEY TX 75070 1 11/12/04 00 0003723349 03 01/01/05 0.0000 0003723349 O 12/01/34 0 9635584 286/286 F 128,450.00 ZZ 360 128,187.42 1 5.8750 759.84 80 5.6250 759.84 GRANBURY TX 76049 1 12/17/04 00 0003725943 03 02/01/05 0.0000 0003725943 O 01/01/35 0 9635590 286/286 F 261,200.00 ZZ 360 260,666.08 1 5.8750 1545.10 80 5.6250 1545.10 HOUSTON TX 77044 1 12/16/04 00 0003728724 03 02/01/05 0.0000 0003728724 O 01/01/35 0 9635594 286/286 F 151,333.00 ZZ 360 150,867.84 1 5.8750 895.20 80 5.6250 895.20 ACWORTH GA 30101 1 11/23/04 00 0003731148 03 01/01/05 0.0000 0003731148 O 12/01/34 0 9635596 286/286 F 119,920.00 ZZ 360 119,674.86 1 5.8750 709.38 80 5.6250 709.38 NASHVILLE TN 37216 1 12/15/04 00 0003731528 05 02/01/05 0.0000 0003731528 O 01/01/35 0 9635602 286/286 F 244,000.00 ZZ 360 243,501.23 1 5.8750 1443.36 80 5.6250 1443.36 THE WOODLANDS TX 77381 1 12/10/04 00 0003736534 03 02/01/05 0.0000 0003736534 O 01/01/35 0 9635604 286/286 F 239,750.00 ZZ 360 239,256.96 1 5.8750 1418.21 80 5.6250 1418.21 AUSTIN TX 78717 1 12/22/04 00 0003736898 03 02/01/05 0.0000 0003736898 O 01/01/35 0 9635610 286/286 F 181,050.00 ZZ 360 180,679.92 1 5.8750 1070.98 80 5.6250 1070.98 WILLISTON TN 38076 1 12/09/04 00 0003739412 05 02/01/05 0.0000 0003739412 O 01/01/35 0 9635612 286/286 F 147,200.00 ZZ 360 146,747.55 1 5.8750 870.75 80 5.6250 870.75 SHORELINE WA 98155 1 11/19/04 00 0003739833 05 01/01/05 0.0000 0003739833 O 12/01/34 0 9635614 286/286 F 123,834.00 ZZ 360 123,360.19 1 5.8750 732.53 80 5.6250 732.53 FRISCO TX 75035 1 11/23/04 00 0003740642 03 01/01/05 0.0000 0003740642 O 12/01/34 0 9635620 286/286 F 117,600.00 ZZ 360 117,359.31 1 5.8750 695.65 80 5.6250 695.65 EDINBURG TX 78539 1 12/06/04 00 0003745635 05 02/01/05 0.0000 0003745635 O 01/01/35 0 9635626 286/286 F 149,600.00 ZZ 360 149,286.85 1 5.7500 873.03 80 5.5000 873.03 HOUSTON TX 77059 1 12/14/04 00 0003747891 03 02/01/05 0.0000 0003747891 O 01/01/35 0 9635644 286/286 F 116,600.00 ZZ 360 116,478.26 1 5.7500 680.45 80 5.5000 680.45 OGDEN IL 61859 1 01/10/05 00 0003755785 05 03/01/05 0.0000 0003755785 O 02/01/35 0 9635650 286/286 F 300,000.00 ZZ 360 299,694.13 1 5.8750 1774.62 80 5.6250 1774.62 MT VERNON OH 43050 1 01/14/05 00 0003758610 05 03/01/05 0.0000 0003758610 O 02/01/35 0 9635670 286/286 F 189,120.00 ZZ 360 188,723.62 1 5.7500 1103.66 80 5.5000 1103.66 KYLE TX 78640 1 12/17/04 00 0003767011 03 02/01/05 0.0000 0003767011 O 01/01/35 0 9635676 286/286 F 114,800.00 ZZ 360 114,682.95 1 5.8750 679.09 80 5.6250 679.09 TIGARD OR 97224 1 12/31/04 00 0003770507 03 03/01/05 0.0000 0003770507 O 02/01/35 0 9635678 286/286 F 236,000.00 ZZ 360 235,517.60 1 5.8750 1396.03 80 5.6250 1396.03 SEQUIN TX 78155 1 12/15/04 00 0003771802 03 02/01/05 0.0000 0003771802 O 01/01/35 0 9635682 286/286 F 175,200.00 ZZ 360 175,015.43 1 5.8750 1036.38 80 5.6250 1036.38 BELLEFONTE PA 16823 1 01/14/05 00 0003773137 05 03/01/05 0.0000 0003773137 O 02/01/35 0 9635684 286/286 F 132,960.00 ZZ 360 132,821.18 1 5.7500 775.92 80 5.5000 775.92 SHADY SHORES TX 76208 1 01/10/05 00 0003773850 05 03/01/05 0.0000 0003773850 O 02/01/35 0 9635688 286/286 F 124,000.00 ZZ 360 123,721.47 1 5.3750 694.37 80 5.1250 694.37 AUSTIN TX 78758 1 01/03/05 00 0003775348 03 02/01/05 0.0000 0003775348 O 01/01/35 0 9635690 286/286 F 97,640.00 ZZ 360 97,440.41 1 5.8750 577.58 80 5.6250 577.58 FORT WORTH TX 76120 1 12/03/04 00 0003775352 05 02/01/05 0.0000 0003775352 O 01/01/35 0 9635698 286/286 F 359,650.00 ZZ 360 358,914.84 1 5.8750 2127.47 77 5.6250 2127.47 JACKSON TN 38305 1 12/17/04 00 0003776406 05 02/01/05 0.0000 0003776406 O 01/01/35 0 9635702 286/286 F 180,000.00 ZZ 360 179,611.83 1 5.8750 1064.77 80 5.6250 1064.77 AUSTIN TX 78732 1 12/14/04 00 0003778016 03 02/01/05 0.0000 0003778016 O 01/01/35 0 9635710 286/286 F 108,000.00 ZZ 360 107,779.22 1 5.8750 638.87 80 5.6250 638.87 HOUSTON TX 77083 1 12/21/04 00 0003780847 03 02/01/05 0.0000 0003780847 O 01/01/35 0 9635716 286/286 F 156,000.00 ZZ 360 155,681.12 1 5.8750 922.80 80 5.6250 922.80 ROSEVILLE MN 55113 1 12/23/04 00 0003781968 05 02/01/05 0.0000 0003781968 O 01/01/35 0 9635742 Y21/G02 F 480,000.00 ZZ 360 479,510.61 1 5.8750 2839.39 80 5.6250 2839.39 OAKLAND NJ 07436 2 01/10/05 00 0438896193 05 03/01/05 0.0000 204810892 O 02/01/35 0 9635750 Y21/G02 F 423,000.00 ZZ 360 422,568.73 2 5.8750 2502.21 68 5.6250 2502.21 FOREST HILLS NY 11375 1 01/14/05 00 0438907180 05 03/01/05 0.0000 204865247 O 02/01/35 0 9635756 Y21/G02 F 587,250.00 ZZ 360 586,651.27 1 5.8750 3473.81 75 5.6250 3473.81 SAINT AUGUSTINFL 32080 1 01/14/05 00 0438894453 03 03/01/05 0.0000 204911168 O 02/01/35 0 9635762 Y21/G02 F 466,400.00 ZZ 360 465,901.38 1 5.6250 2684.87 80 5.3750 2684.87 CLAYTON CA 94517 1 01/01/05 00 0438894214 05 03/01/05 0.0000 204913764 O 02/01/35 0 9635880 F28/G02 F 385,600.00 ZZ 360 383,614.97 1 5.8750 2280.97 80 5.6250 2280.97 GAINESVILLE VA 20155 1 09/17/04 00 0438914640 03 11/01/04 0.0000 1224570 O 10/01/34 0 9635926 F28/G02 F 356,800.00 ZZ 360 355,334.16 1 5.8750 2110.61 80 5.6250 2110.61 BETHEL CT 06801 5 10/15/04 00 0438906349 05 12/01/04 0.0000 2119680 O 11/01/34 0 9635934 F28/G02 F 468,000.00 ZZ 360 465,936.82 1 5.5000 2657.26 80 5.2500 2657.26 SAN DIEGO CA 92115 1 10/14/04 00 0438908857 05 12/01/04 0.0000 2267067 O 11/01/34 0 9635936 F28/G02 F 551,880.00 ZZ 360 550,059.47 1 5.5000 3133.52 70 5.2500 3133.52 ALBUQUERQUE NM 87122 1 11/19/04 00 0438914582 05 01/01/05 0.0000 2269319 O 12/01/34 0 9635944 F28/G02 F 456,000.00 ZZ 360 455,067.88 1 5.8750 2697.42 80 5.6250 2697.42 SARASOTA FL 34238 1 12/28/04 00 0438906059 03 02/01/05 0.0000 2425251 O 01/01/35 0 9635948 F28/G02 F 502,502.00 ZZ 360 500,920.50 1 5.7500 2932.47 71 5.5000 2932.47 LOS ANGELES CA 90045 1 11/10/04 00 0438905614 05 01/01/05 0.0000 2448394 O 12/01/34 0 9635960 F28/G02 F 468,000.00 ZZ 360 467,522.85 1 5.8750 2768.40 80 5.6250 2768.40 HAUPPAUGE NY 11788 1 01/04/05 00 0438898116 05 03/01/05 0.0000 2505757 O 02/01/35 0 9635970 F28/G02 F 456,000.00 ZZ 360 455,067.88 1 5.8750 2697.42 80 5.6250 2697.42 GRANT MN 55082 5 12/07/04 00 0438911232 05 02/01/05 0.0000 2586484 O 01/01/35 0 9635984 F28/G02 F 454,500.00 ZZ 360 453,570.97 1 5.8750 2688.54 80 5.6250 2688.54 LOS ANGELES CA 90039 2 12/13/04 00 0438909582 05 02/01/05 0.0000 3105258 O 01/01/35 0 9639204 B44/G02 F 195,000.00 ZZ 360 194,801.19 1 5.8750 1153.50 37 5.6250 1153.50 DIXON CA 95620 1 01/25/05 00 0438929119 05 03/01/05 0.0000 2043420 O 02/01/35 0 9649986 Y21/G02 F 88,000.00 ZZ 360 88,000.00 1 5.7500 513.55 80 5.5000 513.55 HOUSTON TX 77036 1 02/07/05 00 0438977423 03 04/01/05 0.0000 204747597 O 03/01/35 0 9649988 Y21/G02 F 204,460.00 ZZ 360 204,246.52 1 5.7500 1193.18 80 5.5000 1193.18 COLORADO SPRINCO 80925 1 01/21/05 00 0438974396 05 03/01/05 0.0000 204755875 O 02/01/35 0 9649992 Y21/G02 F 741,750.00 ZZ 360 740,975.56 1 5.7500 4328.66 75 5.5000 4328.66 LOS ANGELES CA 90094 1 01/07/05 00 0438977407 01 03/01/05 0.0000 204808308 O 02/01/35 0 9649996 Y21/G02 F 646,750.00 ZZ 360 646,750.00 1 5.8750 3166.38 65 5.6250 3166.38 EL DORADO HILLCA 95762 1 01/25/05 00 0438978298 05 03/01/05 0.0000 204837723 O 02/01/35 0 9650002 Y21/G02 F 289,000.00 ZZ 360 288,705.35 1 5.8750 1709.55 87 5.6250 1709.55 SMITHVILLE MO 64089 2 01/26/05 14 0438977050 05 03/01/05 25.0000 204881200 O 02/01/35 0 9650006 Y21/G02 F 270,000.00 ZZ 360 269,724.71 1 5.8750 1597.16 75 5.6250 1597.16 STOCKTON CA 95206 5 01/25/05 00 0438976748 05 03/01/05 0.0000 204890209 O 02/01/35 0 9650008 Y21/G02 F 376,000.00 ZZ 360 375,616.64 1 5.8750 2224.19 80 5.6250 2224.19 CHULA VISTA CA 91913 2 01/13/05 00 0438979445 01 03/01/05 0.0000 204898897 O 02/01/35 0 9650010 Y21/G02 F 93,600.00 ZZ 360 93,504.57 1 5.8750 553.68 80 5.6250 553.68 PORTLAND TN 37148 1 01/31/05 00 0438974560 05 03/01/05 0.0000 204908264 O 02/01/35 0 9650028 Y21/G02 F 288,000.00 ZZ 360 287,706.37 1 5.8750 1703.63 68 5.6250 1703.63 CENTERVILLE MA 02632 2 01/13/05 00 0438979601 05 03/01/05 0.0000 204935873 O 02/01/35 0 9650038 Y21/G02 F 256,000.00 ZZ 360 255,738.99 1 5.8750 1514.34 80 5.6250 1514.34 VANCOUVER WA 98682 1 01/25/05 00 0438972978 05 03/01/05 0.0000 204941725 O 02/01/35 0 9650046 Y21/G02 F 216,000.00 ZZ 360 215,779.77 1 5.8750 1277.73 80 5.6250 1277.73 SAN DIEGO CA 92129 1 01/21/05 00 0438976847 01 03/01/05 0.0000 204946433 O 02/01/35 0 9650058 Y21/G02 F 147,920.00 ZZ 360 147,765.55 1 5.7500 863.23 80 5.5000 863.23 SAINT PAUL MN 55106 1 01/25/05 00 0438976599 05 03/01/05 0.0000 205010474 O 02/01/35 0 9650064 Y21/G02 F 331,688.00 ZZ 360 331,349.83 1 5.8750 1962.06 80 5.6250 1962.06 ORLANDO FL 32836 1 01/28/05 00 0438976722 03 03/01/05 0.0000 205012817 O 02/01/35 0 9650068 Y21/G02 F 117,800.00 ZZ 360 117,800.00 1 5.8750 696.84 80 5.6250 696.84 MIDDLETOWN CT 06457 1 02/01/05 00 0438976318 01 04/01/05 0.0000 205015263 O 03/01/35 0 9650070 Y21/G02 F 704,000.00 ZZ 360 703,282.24 1 5.8750 4164.43 80 5.6250 4164.43 CLEARWATER FL 33767 1 01/14/05 00 0438976490 03 03/01/05 0.0000 205016537 O 02/01/35 0 9650072 Y21/G02 F 455,000.00 ZZ 360 455,000.00 1 5.8750 2691.50 59 5.6250 2691.50 LONG BEACH NY 11561 5 02/01/05 00 0438976011 05 04/01/05 0.0000 205019781 O 03/01/35 0 9650074 Y21/G02 F 439,000.00 ZZ 360 438,552.41 1 5.8750 2596.86 70 5.6250 2596.86 CHULA VISTA CA 91914 5 01/21/05 00 0438977795 03 03/01/05 0.0000 205020518 O 02/01/35 0 9650088 Y21/G02 F 108,000.00 ZZ 360 107,889.88 1 5.8750 638.87 80 5.6250 638.87 COLORADO SPRINCO 80916 1 01/31/05 00 0438975229 05 03/01/05 0.0000 205028730 O 02/01/35 0 9650092 Y21/G02 F 139,900.00 ZZ 360 139,757.36 1 5.8750 827.57 80 5.6250 827.57 LAWRENCEVILLE GA 30043 1 01/26/05 00 0438974990 03 03/01/05 0.0000 205031749 O 02/01/35 0 9650094 Y21/G02 F 155,900.00 ZZ 360 155,900.00 1 5.8750 922.21 80 5.6250 922.21 PORTLAND OR 97203 1 02/01/05 00 0438986853 05 04/01/05 0.0000 205032257 O 03/01/35 0 9650096 Y21/G02 F 161,500.00 ZZ 360 161,500.00 1 5.8750 955.34 95 5.6250 955.34 ROYAL PALM BEAFL 33411 1 02/04/05 12 0438977241 05 04/01/05 30.0000 205033032 O 03/01/35 0 9650102 Y21/G02 F 456,000.00 ZZ 360 455,523.90 1 5.7500 2661.10 74 5.5000 2661.10 WOODINVILLE WA 98072 2 01/26/05 00 0438979007 05 03/01/05 0.0000 205042449 O 02/01/35 0 9650104 Y21/G02 F 112,000.00 ZZ 360 111,885.80 1 5.8750 662.53 80 5.6250 662.53 DENVER CO 80209 1 01/28/05 00 0438978553 01 03/01/05 0.0000 205043895 O 02/01/35 0 9650110 Y21/G02 F 148,400.00 ZZ 360 148,400.00 1 5.8750 877.85 80 5.6250 877.85 EUGENE OR 97401 1 02/02/05 00 0438976300 05 04/01/05 0.0000 205064736 O 03/01/35 0 9672164 696/G02 F 484,400.00 ZZ 360 484,400.00 1 5.7500 2826.83 80 5.5000 2826.83 MCLEAN VA 22102 1 02/25/05 00 0438998114 09 04/01/05 0.0000 40105045 O 03/01/35 0 9712237 944/U57 F 273,500.00 ZZ 360 272,659.35 1 5.8750 1617.86 34 5.6250 1617.86 ENCINITAS CA 92007 2 10/11/04 00 0438695694 01 12/01/04 0.0000 W01780629 N 11/01/34 0 9719699 B42/U57 F 318,000.00 ZZ 360 318,000.00 1 5.8750 1556.88 60 5.6250 1556.88 LAS VEGAS NV 89109 5 11/12/04 00 0438741811 05 01/01/05 0.0000 25389 N 12/01/34 0 9722665 X05/G02 F 530,000.00 ZZ 240 527,665.96 1 5.8750 3758.96 75 5.6250 3758.96 CHULA VISTA CA 91911 5 11/30/04 00 0438746430 05 02/01/05 0.0000 014110277 O 01/01/25 0 9722675 X05/U57 F 649,900.00 ZZ 360 649,864.10 1 5.7500 3114.10 49 5.5000 3114.10 SAN DIEGO CA 92130 5 12/02/04 00 0438741951 03 02/01/05 0.0000 014110323 O 01/01/35 0 9727571 Y65/G02 F 136,800.00 ZZ 360 135,925.12 1 5.8750 809.22 90 5.6250 809.22 ALTAMONTE SPRIFL 32701 2 11/12/04 01 0438779571 05 01/01/05 25.0000 40213977 O 12/01/34 0 9727603 Y65/G02 F 388,500.00 ZZ 360 387,277.31 1 5.7500 2267.18 70 5.5000 2267.18 RANCHO SANTA MCA 92688 5 11/12/04 00 0438783961 09 01/01/05 0.0000 40222411 O 12/01/34 0 9735423 944/U57 F 340,000.00 ZZ 360 339,288.34 1 5.7500 1984.15 80 5.5000 1984.15 TURLOCK CA 95380 5 11/29/04 00 0438788747 05 02/01/05 0.0000 W01794488 O 01/01/35 0 9739183 L21/U56 F 459,000.00 ZZ 360 457,935.48 1 5.7500 2678.60 85 5.5000 2678.60 POINT PLEASANTNJ 08742 1 12/17/04 14 0438790644 05 02/01/05 12.0000 28503404 O 01/01/35 0 9740855 944/U57 F 340,000.00 ZZ 360 339,305.01 1 5.8750 2011.23 66 5.6250 2011.23 BURBANK CA 91506 5 11/29/04 00 0438789984 05 02/01/05 0.0000 W01795677 O 01/01/35 0 9741019 944/U57 F 360,000.00 ZZ 360 358,886.99 1 5.8750 2129.54 80 5.6250 2129.54 NUTLEY NJ 07110 5 11/19/04 00 0438791337 05 01/01/05 0.0000 W01794355 O 12/01/34 0 9741371 N67/G02 F 975,000.00 ZZ 360 975,000.00 2 5.8750 4773.44 75 5.6250 4773.44 BERKELEY CA 94705 5 11/23/04 00 0438813842 05 01/01/05 0.0000 3347000664 O 12/01/34 0 9741391 N67/U56 F 594,450.00 ZZ 360 594,450.00 2 5.8750 2910.33 90 5.6250 2910.33 BROOKLYN NY 11218 1 11/30/04 01 0438815169 05 01/01/05 25.0000 3274022164 O 12/01/34 0 9742323 B57/U57 F 775,000.00 ZZ 360 775,000.00 1 5.8750 3794.27 65 5.6250 3794.27 TOPANGA CA 90290 2 10/04/04 00 0438798035 03 12/01/04 0.0000 21024206 O 11/01/34 0 9742341 B57/U57 F 616,000.00 ZZ 360 616,000.00 1 5.8750 3015.83 80 5.6250 3015.83 VALLEY GLEN ARCA 91401 1 12/03/04 00 0438795429 05 02/01/05 0.0000 21027761 O 01/01/35 0 9742391 B57/U57 F 510,000.00 ZZ 360 508,957.52 1 5.8750 3016.84 75 5.6250 3016.84 LA CRESCENTA CA 91214 1 12/01/04 00 0438796039 05 02/01/05 0.0000 21027806 O 01/01/35 0 9742435 B57/U57 F 89,500.00 ZZ 360 89,500.00 1 5.5000 410.21 20 5.2500 410.21 LOS ANGELES CA 90066 2 11/22/04 00 0438795247 01 01/01/05 0.0000 21027328 O 12/01/34 0 9746065 B57/U57 F 1,000,000.00 ZZ 360 997,955.91 1 5.8750 5915.38 63 5.6250 5915.38 SANTA BARBARA CA 93110 5 12/08/04 00 0438796336 03 02/01/05 0.0000 16008122 O 01/01/35 0 9749141 Y65/U57 F 452,000.00 ZZ 360 451,031.29 1 5.6250 2601.97 80 5.3750 2601.97 MAPLEWOOD MN 55119 5 12/07/04 00 0438801284 05 02/01/05 0.0000 40219479 O 01/01/35 0 9749175 Y65/U57 F 432,000.00 ZZ 360 430,640.42 1 5.7500 2521.03 77 5.5000 2521.03 MURRIETA CA 92562 5 11/30/04 00 0438802092 05 01/01/05 0.0000 40227096 O 12/01/34 0 9750753 E22/U57 F 504,000.00 ZZ 360 502,969.78 1 5.8750 2981.35 80 5.6250 2981.35 HOCKESSIN DE 19707 5 12/27/04 00 0422842013 05 02/01/05 0.0000 0422842013 O 01/01/35 0 9756937 975/U57 F 376,000.00 ZZ 360 375,231.43 1 5.8750 2224.18 79 5.6250 2224.18 (NORTH HOLLYWOCA 91605 5 12/01/04 00 0438812950 05 02/01/05 0.0000 2044843 O 01/01/35 0 9758315 196/G02 F 163,000.00 ZZ 360 162,498.99 1 5.8750 964.21 65 5.6250 964.21 LOS ANGELES CA 90002 2 11/30/04 00 0438829319 05 01/01/05 0.0000 2344461 O 12/01/34 0 9758823 E84/G02 F 518,000.00 ZZ 360 516,941.16 1 5.8750 3064.17 80 5.6250 3064.17 LA GRANGE IL 60525 2 12/10/04 00 0438876856 05 02/01/05 0.0000 69947262 O 01/01/35 0 9758829 E84/G02 F 581,000.00 ZZ 360 579,754.85 1 5.6250 3344.56 80 5.3750 3344.56 ALAMEDA CA 94502 5 12/17/04 00 0438874794 03 02/01/05 0.0000 93508071 O 01/01/35 0 9759861 E22/U57 F 132,000.00 ZZ 360 131,865.42 1 5.8750 780.83 80 5.6250 780.83 BAKERSFIELD CA 93309 1 01/04/05 00 0422918003 05 03/01/05 0.0000 0422918003 N 02/01/35 0 9761177 944/G02 F 456,600.00 ZZ 360 455,621.43 1 5.6250 2628.45 50 5.3750 2628.45 TORRANCE CA 90505 1 12/10/04 00 0438824484 05 02/01/05 0.0000 W01794629 N 01/01/35 0 9762323 E22/U57 F 616,800.00 ZZ 360 616,171.15 1 5.8750 3648.60 80 5.6250 3648.60 SEATTLE WA 98116 5 01/04/05 00 0422868364 05 03/01/05 0.0000 0422868364 O 02/01/35 0 9762773 225/225 F 340,000.00 ZZ 360 338,722.11 1 5.7500 1984.15 80 5.5000 1984.15 GALLOWAY TWP NJ 08205 5 11/29/04 00 005703224 05 01/01/05 0.0000 005703224 O 12/01/34 0 9762819 225/225 F 448,000.00 ZZ 360 447,039.87 1 5.6250 2578.94 80 5.3750 2578.94 STERLING VA 20164 1 12/15/04 00 005704750 03 02/01/05 0.0000 005704750 O 01/01/35 0 9762825 225/225 F 1,000,000.00 ZZ 360 996,852.78 1 5.7500 5835.73 56 5.5000 5835.73 RICHMOND VA 23233 2 11/10/04 00 006947934 05 01/01/05 0.0000 006947934 O 12/01/34 0 9764037 L49/U57 F 354,800.00 ZZ 360 354,074.75 1 5.8750 2098.78 80 5.6250 2098.78 LAKE WORTH FL 33467 1 12/23/04 00 0438848921 03 02/01/05 0.0000 10019012 O 01/01/35 0 9766773 Y69/U57 F 512,000.00 ZZ 360 510,928.30 1 5.7500 2987.90 80 5.5000 2987.90 BETHESDA MD 20817 1 12/29/04 00 0438854697 05 02/01/05 0.0000 5010022023 O 01/01/35 0 9766779 Y69/U57 F 572,000.00 ZZ 360 570,802.72 1 5.7500 3338.04 69 5.5000 3338.04 SAN RAMON CA 94583 2 12/20/04 00 0438854473 05 02/01/05 0.0000 1040022175 O 01/01/35 0 9770375 Y69/U57 F 172,800.00 ZZ 360 172,438.29 1 5.7500 1008.42 80 5.5000 1008.42 ARLINGTON TX 76017 1 12/27/04 00 0438855413 05 02/01/05 0.0000 3010022667 O 01/01/35 0 9770423 Y69/U57 F 273,600.00 ZZ 360 272,888.04 1 5.6250 1575.00 80 5.3750 1575.00 LEAGUE CITY TX 77573 1 12/22/04 00 0438854192 03 02/01/05 0.0000 3010022435 O 01/01/35 0 9770467 Y69/U57 F 111,900.00 ZZ 360 111,783.17 1 5.7500 653.02 80 5.5000 653.02 NEWNAN GA 30265 1 01/03/05 00 0438854101 05 03/01/05 0.0000 5010022397 O 02/01/35 0 9770487 Y69/U57 F 170,950.00 ZZ 360 170,600.55 1 5.8750 1011.24 91 5.6250 1011.24 LAWRENCEVILLE GA 30045 1 12/31/04 01 0438853954 03 02/01/05 30.0000 5010022641 O 01/01/35 0 9770493 Y69/U57 F 123,920.00 ZZ 360 123,660.60 1 5.7500 723.17 80 5.5000 723.17 GARLAND TX 75043 1 12/14/04 00 0438854937 05 02/01/05 0.0000 3010021122 O 01/01/35 0 9770505 Y69/U57 F 126,800.00 ZZ 360 126,534.57 1 5.7500 739.98 95 5.5000 739.98 MARIETTA GA 30066 1 12/15/04 01 0438855066 05 02/01/05 35.0000 5010021961 O 01/01/35 0 9777811 E22/U57 F 524,000.00 ZZ 360 523,465.76 1 5.8750 3099.66 80 5.6250 3099.66 ROSEMEAD CA 91770 1 01/12/05 00 0422958207 05 03/01/05 0.0000 0422958207 O 02/01/35 0 9781971 E22/U57 F 650,000.00 ZZ 360 649,337.29 1 5.8750 3845.00 75 5.6250 3845.00 GOLETA CA 93117 5 01/14/05 00 0423009745 05 03/01/05 0.0000 0423009745 O 02/01/35 0 9782323 944/G02 F 360,000.00 ZZ 360 359,264.12 1 5.8750 2129.54 80 5.6250 2129.54 EL CAJON CA 92021 5 12/22/04 00 0438894370 05 02/01/05 0.0000 W01801058 O 01/01/35 0 9783555 W02/G02 F 176,000.00 ZZ 360 175,820.56 1 5.8750 1041.11 80 5.6250 1041.11 RICHMOND VA 23221 5 01/10/05 00 0438887408 05 03/01/05 0.0000 0090080116 O 02/01/35 0 9783617 944/G02 F 360,000.00 ZZ 360 359,246.48 1 5.7500 2100.86 77 5.5000 2100.86 CHICO CA 95928 5 12/22/04 00 0438891855 05 02/01/05 0.0000 W01798656 O 01/01/35 0 9783627 944/G02 F 360,000.00 ZZ 360 359,264.12 1 5.8750 2129.54 77 5.6250 2129.54 EL CAJON CA 92021 5 12/22/04 00 0438891970 05 02/01/05 0.0000 W01800970 O 01/01/35 0 9783655 944/G02 F 392,000.00 ZZ 360 391,590.72 1 5.7500 2287.61 80 5.5000 2287.61 SEATTLE WA 98178 1 01/04/05 00 0438893216 05 03/01/05 0.0000 W01802277 O 02/01/35 0 9783665 944/G02 F 677,600.00 ZZ 360 676,214.93 1 5.8750 4008.26 80 5.6250 4008.26 SCOTTSDALE AZ 85255 1 12/27/04 00 0438891889 03 02/01/05 0.0000 W01801083 O 01/01/35 0 9786631 944/G02 F 495,000.00 ZZ 360 494,495.33 1 5.8750 2928.11 75 5.6250 2928.11 GRANITE BAY CA 95746 5 01/10/05 00 0438895625 03 03/01/05 0.0000 W01802813 O 02/01/35 0 9789127 Q30/G02 F 252,000.00 ZZ 360 251,743.07 1 5.8750 1490.68 77 5.6250 1490.68 MATTAPAN MA 02126 5 01/25/05 00 0438897043 05 03/01/05 0.0000 40037981 O 02/01/35 0 9792447 E22/G02 F 416,000.00 ZZ 360 416,000.00 1 5.8750 2036.67 79 5.6250 2036.67 BERTHOUD CO 80513 2 01/27/05 00 0423140029 05 04/01/05 0.0000 0423140029 O 03/01/35 0 9795821 U05/G02 F 223,920.00 ZZ 360 223,691.71 1 5.8750 1324.57 80 5.6250 1324.57 INVER GROVE HEMN 55076 1 01/31/05 00 0438936486 05 03/01/05 0.0000 3000707126 O 02/01/35 0 9795837 U05/G02 F 359,650.00 ZZ 360 359,265.51 1 5.6250 2070.35 72 5.3750 2070.35 PLANTATION FL 33324 1 01/27/05 00 0438943474 03 03/01/05 0.0000 3000707951 O 02/01/35 0 9795859 U05/G02 F 147,000.00 ZZ 360 146,842.85 1 5.6250 846.21 63 5.3750 846.21 HIALEAH FL 33018 5 01/21/05 00 0438955999 05 03/01/05 0.0000 3000702472 O 02/01/35 0 9795869 U05/G02 F 168,000.00 ZZ 360 167,828.72 1 5.8750 993.78 80 5.6250 993.78 WEST DUNDEE IL 60118 2 01/12/05 00 0438955676 05 03/01/05 0.0000 3000702857 O 02/01/35 0 9795897 U05/G02 F 335,000.00 ZZ 360 334,298.80 1 5.7500 1954.97 75 5.5000 1954.97 GLENDALE CA 91206 5 12/28/04 00 0438958902 05 02/01/05 0.0000 3000699183 O 01/01/35 0 9795917 U05/G02 F 241,500.00 ZZ 360 241,253.78 1 5.8750 1428.56 82 5.6250 1428.56 ROWLETT TX 75089 2 01/14/05 10 0438938409 03 03/01/05 25.0000 3000700542 O 02/01/35 0 9795925 U05/G02 F 170,000.00 ZZ 360 169,822.51 1 5.7500 992.07 39 5.5000 992.07 DOWNEY CA 90241 5 01/03/05 00 0438937914 05 03/01/05 0.0000 3000701171 O 02/01/35 0 9795927 U05/G02 F 270,000.00 ZZ 360 269,718.10 1 5.7500 1575.65 78 5.5000 1575.65 PHOENIX AZ 85013 5 01/12/05 00 0438943573 05 03/01/05 0.0000 3000701242 O 02/01/35 0 9795957 U05/G02 F 129,000.00 ZZ 360 128,868.48 1 5.8750 763.08 62 5.6250 763.08 CARSON CA 90745 5 01/05/05 00 0438934374 03 03/01/05 0.0000 3000694709 O 02/01/35 0 9795977 U05/G02 F 91,000.00 ZZ 360 90,907.22 1 5.8750 538.39 70 5.6250 538.39 SMYRNA GA 30082 5 01/06/05 00 0438937286 05 03/01/05 0.0000 3000683080 N 02/01/35 0 9795979 U05/G02 F 176,000.00 ZZ 360 175,631.60 1 5.7500 1027.09 50 5.5000 1027.09 PANORAMA CITY CA 91402 5 12/22/04 00 0438957474 05 02/01/05 0.0000 3000683143 O 01/01/35 0 9796041 944/G02 F 424,000.00 ZZ 360 423,567.71 1 5.8750 2508.12 80 5.6250 2508.12 HERCULES CA 94547 5 01/06/05 00 0438910150 05 03/01/05 0.0000 01801747 O 02/01/35 0 9796073 944/G02 F 650,000.00 ZZ 360 649,321.36 1 5.7500 3793.22 74 5.5000 3793.22 CHULA VISTA CA 91913 5 01/05/05 00 0438908642 03 03/01/05 0.0000 01796478 O 02/01/35 0 9796075 944/G02 F 555,000.00 ZZ 360 554,434.16 1 5.8750 3283.03 75 5.6250 3283.03 PLACENTIA CA 92870 5 01/07/05 00 0438910804 05 03/01/05 0.0000 01801942 O 02/01/35 0 9796551 E82/G02 F 315,200.00 ZZ 360 314,878.64 1 5.8750 1864.53 80 5.6250 1864.53 PORT JEFFERSONNY 11776 5 01/20/05 00 0401059043 05 03/01/05 0.0000 0401059043 O 02/01/35 0 9797033 F36/G02 F 150,000.00 ZZ 360 150,000.00 1 5.8750 734.37 41 5.6250 734.38 KENT WA 98042 5 01/21/05 00 0438918708 05 03/01/05 0.0000 06507873 O 02/01/35 0 9798823 025/025 F 130,875.00 ZZ 360 130,337.31 1 5.8750 774.18 75 5.6250 774.18 OMAHA NE 68127 1 10/22/04 00 0134984038 05 12/01/04 0.0000 0134984038 O 11/01/34 0 9798865 025/025 F 447,200.00 ZZ 360 447,200.00 1 5.8750 2189.42 80 5.6250 2189.42 CYPRESS CA 90630 1 11/15/04 00 0142212570 05 01/01/05 0.0000 0142212570 O 12/01/34 0 9798923 025/025 F 312,000.00 ZZ 360 311,841.77 1 5.8750 1527.50 70 5.6250 1527.11 ESCONDIDO CA 92026 5 12/21/04 00 0201165313 05 02/01/05 0.0000 0201165313 O 01/01/35 0 9798971 025/025 F 100,000.00 ZZ 360 99,795.58 1 5.8750 591.54 29 5.6250 591.54 BROCKTON MA 02301 1 12/17/04 00 0142875467 05 02/01/05 0.0000 0142875467 O 01/01/35 0 9799013 025/025 F 85,000.00 ZZ 360 83,734.22 1 5.8750 502.81 52 5.6250 502.81 SUN CITY CA 92586 1 11/23/04 00 0142919984 05 01/01/05 0.0000 0142919984 N 12/01/34 0 9799015 025/025 F 85,000.00 ZZ 360 84,236.29 1 5.8750 502.81 49 5.6250 502.81 SUN CITY CA 92586 1 11/23/04 00 0142919992 05 01/01/05 0.0000 0142919992 N 12/01/34 0 9799067 025/025 F 331,250.00 ZZ 360 330,207.47 1 5.7500 1933.09 70 5.5000 1933.09 SAN JOSE CA 95135 5 11/24/04 00 0142922830 01 01/01/05 0.0000 0142922830 O 12/01/34 0 9799091 025/025 F 170,400.00 ZZ 360 169,775.33 1 5.8750 1007.99 80 5.6250 1007.99 MEDFORD OR 97504 1 11/24/04 00 0142938174 05 01/01/05 0.0000 0142938174 O 12/01/34 0 9799101 025/025 F 760,000.00 ZZ 360 759,995.79 1 5.8750 3720.83 63 5.6250 3720.81 ORINDA CA 94563 2 11/22/04 00 0142944164 05 01/01/05 0.0000 0142944164 O 12/01/34 0 9799119 025/025 F 308,000.00 ZZ 360 306,642.21 1 5.8750 1821.94 80 5.6250 1821.94 BAINBRIDGE ISLWA 98110 1 10/29/04 00 0142954262 05 12/01/04 0.0000 0142954262 O 11/01/34 0 9799131 025/025 F 168,500.00 ZZ 360 167,807.73 1 5.8750 996.75 71 5.6250 996.75 FARMINGTON NM 87402 2 10/29/04 00 0142973262 05 12/01/04 0.0000 0142973262 O 11/01/34 0 9799223 025/025 F 139,840.00 ZZ 360 139,399.89 1 5.7500 816.07 80 5.5000 816.07 WILLIAMSON GA 30292 1 11/16/04 00 0134965706 05 01/01/05 0.0000 0134965706 O 12/01/34 0 9799241 025/025 F 132,000.00 ZZ 360 131,730.18 1 5.8750 780.83 75 5.6250 780.83 AMSTERDAM MT 59741 5 12/10/04 00 0201034675 05 02/01/05 0.0000 0201034675 N 01/01/35 0 9799289 025/025 F 99,700.00 ZZ 360 99,280.64 1 5.7500 581.82 80 5.5000 581.82 CHARLOTTE NC 28216 1 10/21/04 00 0030737415 05 12/01/04 0.0000 0030737415 O 11/01/34 0 9799395 025/025 F 276,500.00 ZZ 360 275,934.82 1 5.8750 1635.60 77 5.6250 1635.60 MENOMONEE WI 53051 2 12/08/04 00 0201016490 05 02/01/05 0.0000 0201016490 O 01/01/35 0 9799399 025/025 F 406,250.00 ZZ 360 405,419.59 1 5.8750 2403.12 65 5.6250 2403.12 ST SIMONS ISLAGA 31522 5 12/09/04 00 0201018835 05 02/01/05 0.0000 0201018835 O 01/01/35 0 9799431 025/025 F 116,000.00 ZZ 360 115,762.90 1 5.8750 686.18 80 5.6250 686.18 ANOKA MN 55303 1 12/10/04 00 0201108297 05 02/01/05 0.0000 0201108297 O 01/01/35 0 9799489 025/025 F 314,000.00 ZZ 360 313,034.87 1 5.8750 1857.43 61 5.6250 1857.43 KEY LARGO FL 33037 1 11/08/04 00 0031477599 01 01/01/05 0.0000 0031477599 N 12/01/34 0 9799495 025/025 F 242,000.00 ZZ 360 240,579.83 1 5.8750 1431.52 76 5.6250 1431.52 SMYRNA GA 30082 2 11/10/04 00 0031545403 05 01/01/05 0.0000 0031545403 O 12/01/34 0 9799681 E22/G02 F 131,920.00 ZZ 360 131,785.50 1 5.8750 780.36 80 5.6250 780.36 NORFOLK VA 23502 1 02/04/05 00 0423196567 05 03/01/05 0.0000 0423196567 O 02/01/35 0 9799841 E22/G02 F 113,600.00 ZZ 360 113,600.00 1 5.8750 671.99 80 5.6250 671.99 COEUR D ALENE ID 83815 1 02/01/05 00 0423059781 03 04/01/05 0.0000 0423059781 O 03/01/35 0 9800825 E22/G02 F 216,000.00 ZZ 360 216,000.00 1 5.8750 1277.72 80 5.6250 1277.72 VERNON NJ 07422 5 02/02/05 00 0423150036 05 04/01/05 0.0000 0423150036 O 03/01/35 0 9802487 E22/G02 F 280,000.00 ZZ 360 279,714.52 1 5.8750 1656.31 80 5.6250 1656.31 TIGARD OR 97224 5 01/28/05 00 0423165877 05 03/01/05 0.0000 0423165877 O 02/01/35 0 9803027 S43/G02 F 83,164.00 ZZ 360 83,164.00 1 5.7500 398.49 80 5.5000 398.49 EL PASO TX 79938 1 02/01/05 00 0438933012 05 03/01/05 0.0000 0954989000 N 02/01/35 0 9803417 E22/G02 F 228,800.00 ZZ 360 228,800.00 1 5.8750 1353.44 80 5.6250 1353.44 DERRY NH 03038 5 02/04/05 00 0423205210 05 04/01/05 0.0000 0423205210 O 03/01/35 0 9803469 E22/G02 F 171,000.00 ZZ 360 171,000.00 1 5.8750 837.19 80 5.6250 837.19 DENVER CO 80229 2 02/04/05 00 0423275049 05 04/01/05 0.0000 0423275049 O 03/01/35 0 9803887 Q30/G02 F 280,000.00 ZZ 360 279,720.73 1 5.9900 1676.94 80 5.7400 1676.94 BRONX NY 10467 5 01/21/05 00 0438927634 05 03/01/05 0.0000 40038383 O 02/01/35 0 9804181 Q30/G02 F 202,000.00 ZZ 360 202,000.00 1 5.8750 1194.91 75 5.6250 1194.91 STATEN ISLAND NY 10312 1 01/31/05 00 0438926297 09 04/01/05 0.0000 32027593 O 03/01/35 0 9804541 E22/G02 F 332,000.00 ZZ 360 331,661.51 1 5.8750 1963.91 80 5.6250 1963.91 GLENDALE CA 91203 5 01/28/05 00 0422648329 01 03/01/05 0.0000 0422648329 O 02/01/35 0 9804621 E22/G02 F 190,000.00 ZZ 360 190,000.00 1 5.8750 1123.92 65 5.6250 1123.92 HOLLYWOOD FL 33021 1 02/10/05 00 0423076439 05 04/01/05 0.0000 0423076439 O 03/01/35 0 9804631 E22/G02 F 175,000.00 ZZ 360 175,000.00 1 5.7500 1021.25 75 5.5000 1021.25 AUBURN WA 98001 5 02/04/05 00 0423092618 03 04/01/05 0.0000 0423092618 O 03/01/35 0 9804675 E22/G02 F 66,375.00 ZZ 360 66,375.00 1 5.8750 392.63 75 5.6250 392.63 MARIETTA GA 30060 1 02/10/05 00 0423161215 07 04/01/05 0.0000 0423161215 N 03/01/35 0 9806189 Y69/G02 F 230,000.00 ZZ 360 229,765.50 1 5.8750 1360.54 63 5.6250 1360.54 LONG BEACH CA 90805 5 01/25/05 00 0438951949 05 03/01/05 0.0000 1030024341 O 02/01/35 0 9806191 Y69/G02 F 304,000.00 ZZ 360 303,690.05 1 5.8750 1798.28 80 5.6250 1798.28 STOCKTON CA 95210 1 01/13/05 00 0438963522 05 03/01/05 0.0000 1040023501 O 02/01/35 0 9806193 Y69/G02 F 616,000.00 ZZ 360 615,356.86 1 5.7500 3594.81 79 5.5000 3594.81 PURCELLVILLE VA 20132 1 01/27/05 00 0438957359 03 03/01/05 0.0000 5010023031 O 02/01/35 0 9806201 Y69/G02 F 139,920.00 ZZ 360 139,777.34 1 5.8750 827.68 80 5.6250 827.68 TEMPE AZ 85282 1 01/06/05 00 0438958449 05 03/01/05 0.0000 1010022744 O 02/01/35 0 9806223 Y69/G02 F 129,200.00 ZZ 360 129,065.10 1 5.7500 753.98 95 5.5000 753.98 VALDOSTA GA 31602 1 01/28/05 01 0438961344 05 03/01/05 30.0000 5010023533 O 02/01/35 0 9806233 Y69/G02 F 632,000.00 ZZ 360 631,355.65 1 5.8750 3738.52 80 5.6250 3738.52 SAN PEDRO AREACA 90731 2 01/13/05 00 0438955320 05 03/01/05 0.0000 1030022974 O 02/01/35 0 9806237 Y69/G02 F 254,700.00 T 360 254,440.32 1 5.8750 1506.65 90 5.6250 1506.65 MARICOPA AZ 85239 1 01/10/05 12 0438961302 03 03/01/05 25.0000 1010023930 O 02/01/35 0 9806239 Y69/G02 F 960,000.00 ZZ 360 959,021.23 1 5.8750 5678.77 80 5.6250 5678.77 SAN MARINO CA 91108 1 01/20/05 00 0438957532 05 03/01/05 0.0000 1030022181 O 02/01/35 0 9806243 Y69/G02 F 407,200.00 ZZ 360 406,784.83 1 5.8750 2408.75 80 5.6250 2408.75 FAIRFAX VA 22032 1 01/28/05 00 0438946121 05 03/01/05 0.0000 5010024182 O 02/01/35 0 9806247 Y69/G02 F 139,000.00 ZZ 360 138,854.87 1 5.7500 811.17 90 5.5000 811.17 SACHSE TX 75048 1 01/13/05 11 0438960932 05 03/01/05 25.0000 3010024143 O 02/01/35 0 9806259 Y69/G02 F 134,800.00 ZZ 360 134,652.45 1 5.5000 765.38 80 5.2500 765.38 AIKEN SC 29805 1 01/25/05 00 0438961096 05 03/01/05 0.0000 5010024000 O 02/01/35 0 9806269 Y69/G02 F 375,000.00 ZZ 360 374,617.67 1 5.8750 2218.27 65 5.6250 2218.27 GLENDALE CA 91201 5 01/04/05 00 0438951154 05 03/01/05 0.0000 1030023288 O 02/01/35 0 9806305 Y69/G02 F 400,000.00 ZZ 360 399,592.17 1 5.8750 2366.16 76 5.6250 2366.16 FALLS CHURCH VA 22042 1 01/28/05 00 0438950750 09 03/01/05 0.0000 5010023224 O 02/01/35 0 9806325 Y69/G02 F 487,900.00 ZZ 360 487,378.40 1 5.6250 2808.63 80 5.3750 2808.63 TUCKER GA 30084 1 01/31/05 00 0438960437 05 03/01/05 0.0000 5010024344 O 02/01/35 0 9806329 Y69/G02 F 367,000.00 ZZ 360 366,625.82 1 5.8750 2170.95 75 5.6250 2170.95 WILMINGTON CA 90744 5 01/11/05 00 0438961351 05 03/01/05 0.0000 1030020834 O 02/01/35 0 9806331 Y69/G02 F 170,000.00 ZZ 360 169,826.67 1 5.8750 1005.62 30 5.6250 1005.62 EL DORADO HILLCA 95762 1 01/04/05 00 0438951394 03 03/01/05 0.0000 1020023447 O 02/01/35 0 9806357 Y69/G02 F 172,000.00 ZZ 360 171,824.63 1 5.8750 1017.45 80 5.6250 1017.45 MONTGOMERY TX 77356 1 01/17/05 00 0438932030 03 03/01/05 0.0000 3010022966 O 02/01/35 0 9806485 D03/G02 F 172,000.00 T 360 172,000.00 1 5.7500 1003.75 80 5.5000 1003.75 LONG BARN CA 95335 1 02/01/05 00 0438977456 05 04/01/05 0.0000 1050005039 O 03/01/35 0 9806971 U85/G02 F 113,444.00 ZZ 360 113,444.00 1 5.8750 671.06 80 5.6250 671.06 INDIANAPOLIS IN 46259 1 02/09/05 00 0438933103 05 04/01/05 0.0000 TQS236IN O 03/01/35 0 9808805 E22/U57 F 108,500.00 ZZ 360 108,500.00 1 5.8750 641.82 19 5.6250 641.82 GRANITE BAY CA 95746 5 02/08/05 00 0423168954 05 04/01/05 0.0000 0423168954 O 03/01/35 0 9808851 E22/G02 F 120,000.00 ZZ 360 120,000.00 1 5.8750 709.85 80 5.6250 709.85 MARIETTA GA 30066 2 02/14/05 00 0423194109 03 04/01/05 0.0000 0423194109 N 03/01/35 0 9808855 E22/U57 F 180,000.00 ZZ 360 180,000.00 1 5.8750 1064.77 80 5.6250 1064.77 LOVELAND CO 80538 5 02/09/05 00 0423195304 03 04/01/05 0.0000 0423195304 O 03/01/35 0 9808887 E22/G02 F 121,960.00 ZZ 360 121,960.00 1 5.8750 721.44 80 5.6250 721.44 CLARKSVILLE IN 47129 1 02/14/05 00 0423218577 05 04/01/05 0.0000 0423218577 O 03/01/35 0 9808903 E22/U57 F 320,000.00 ZZ 360 320,000.00 1 5.8750 1892.92 77 5.6250 1892.92 HICKSVILLE NY 11801 5 02/08/05 00 0423231125 05 04/01/05 0.0000 0423231125 O 03/01/35 0 9808947 E22/G02 F 715,000.00 ZZ 360 715,000.00 1 5.8750 4229.50 65 5.6250 4229.50 BERKELEY CA 94704 1 02/10/05 00 0423266170 05 04/01/05 0.0000 0423266170 O 03/01/35 0 9808951 E22/G02 F 260,000.00 ZZ 360 260,000.00 1 5.8750 1272.92 80 5.6250 1272.92 CULVER OR 97734 5 02/07/05 00 0423277987 05 04/01/05 0.0000 0423277987 O 03/01/35 0 9809139 E22/G02 F 150,000.00 ZZ 360 150,000.00 1 5.8750 887.31 34 5.6250 887.31 WEST COVINA CA 91790 5 02/03/05 00 0423066190 05 04/01/05 0.0000 0423066190 O 03/01/35 0 9809153 E22/G02 F 165,600.00 TX 360 165,600.00 1 5.8750 979.59 80 5.6250 979.59 SPRING TX 77379 5 02/08/05 00 0423297217 03 04/01/05 0.0000 0423297217 O 03/01/35 0 9812805 L20/G02 F 140,800.00 ZZ 360 140,800.00 1 5.5000 799.45 80 5.2500 799.45 UINTAH UT 84405 1 02/10/05 00 0438981508 05 04/01/05 0.0000 1061070886 O 03/01/35 0 9813151 E22/G02 F 84,000.00 ZZ 360 84,000.00 1 5.8750 411.25 80 5.6250 411.25 HOUSTON TX 77008 1 02/14/05 00 0423221068 05 04/01/05 0.0000 0423221068 N 03/01/35 0 9813317 E22/G02 F 220,800.00 ZZ 360 220,800.00 1 5.7500 1288.53 80 5.5000 1288.53 EUSTIS FL 32736 1 02/15/05 00 0422923763 05 04/01/05 0.0000 0422923763 O 03/01/35 0 9813323 E22/G02 F 640,000.00 ZZ 360 640,000.00 1 5.8750 3785.84 57 5.6250 3785.84 HOPLAND CA 95449 5 02/04/05 00 0422940999 05 04/01/05 0.0000 0422940999 O 03/01/35 0 9813355 E22/G02 F 344,000.00 ZZ 360 344,000.00 1 5.7500 2007.49 80 5.5000 2007.49 ARLINGTON TN 38002 5 02/10/05 00 0423137439 05 04/01/05 0.0000 0423137439 O 03/01/35 0 9813359 E22/G02 F 254,900.00 ZZ 360 254,900.00 1 5.8750 1247.95 80 5.6250 1247.95 CARSON CITY NV 89701 1 02/04/05 00 0423140953 03 04/01/05 0.0000 0423140953 O 03/01/35 0 9814723 477/U57 F 510,000.00 ZZ 360 510,000.00 1 5.8750 3016.84 79 5.6250 3016.84 LAKE FOREST CA 92630 5 02/02/05 00 0438966186 03 04/01/05 0.0000 266616 O 03/01/35 0 9814929 Q30/G02 F 398,000.00 ZZ 360 398,000.00 2 5.8750 1948.54 80 5.6250 1948.54 BETHEL CT 06801 1 02/14/05 00 0438968190 05 04/01/05 0.0000 32027040 N 03/01/35 0 9815049 E22/G02 F 168,800.00 ZZ 360 168,800.00 1 5.7500 808.83 80 5.5000 808.83 DENVER CO 80239 2 02/11/05 00 0423288042 03 04/01/05 0.0000 0423288042 O 03/01/35 0 9815339 E22/U57 F 244,000.00 ZZ 360 244,000.00 1 5.8750 1443.35 88 5.6250 1443.35 HOT SPRINGS AR 71913 5 02/11/05 04 0423234723 05 04/01/05 25.0000 0423234723 O 03/01/35 0 9815873 W02/G02 F 228,750.00 ZZ 360 228,750.00 1 5.3750 1280.93 75 5.1250 1280.93 WOODBRIDGE VA 22193 5 02/05/05 00 0438968802 05 04/01/05 0.0000 0090091135 O 03/01/35 0 9816005 L21/G02 F 180,000.00 ZZ 360 179,812.06 1 5.7500 1050.44 80 5.5000 1050.44 ATLANTA GA 30308 1 01/31/05 00 0438976250 01 03/01/05 0.0000 26503751 O 02/01/35 0 9816049 L21/G02 F 408,000.00 ZZ 360 408,000.00 1 5.8750 2413.48 80 5.6250 2413.48 CITY OF NORTHPNY 11768 5 02/09/05 00 0438973703 05 04/01/05 0.0000 1460000880 O 03/01/35 0 9816353 E22/G02 F 57,000.00 ZZ 360 57,000.00 1 5.8750 337.18 75 5.6250 337.18 EDMOND OK 73013 2 02/17/05 00 0421640822 05 04/01/05 0.0000 0421640822 N 03/01/35 0 9816361 E22/G02 F 221,600.00 ZZ 360 221,600.00 1 5.8750 1084.92 80 5.6250 1084.92 JENSEN BEACH FL 34957 1 02/17/05 00 0422958470 09 04/01/05 0.0000 0422958470 O 03/01/35 0 9816389 E22/G02 F 88,000.00 ZZ 360 88,000.00 1 5.8750 520.55 80 5.6250 520.55 TACOMA WA 98406 1 02/11/05 00 0423076389 05 04/01/05 0.0000 0423076389 O 03/01/35 0 9816401 E22/G02 F 121,500.00 ZZ 360 121,500.00 1 5.8750 718.72 75 5.6250 718.72 EDMOND OK 73013 2 02/17/05 00 0423115955 05 04/01/05 0.0000 0423115955 N 03/01/35 0 9817583 L14/G02 F 187,960.00 ZZ 360 187,960.00 1 5.8750 920.22 80 5.6250 920.22 KENT WA 98032 1 01/01/05 00 0438984056 07 03/01/05 0.0000 220626944 O 02/01/35 0 9817589 L14/G02 F 212,000.00 ZZ 360 211,778.65 1 5.7500 1237.18 80 5.5000 1237.18 DALLAS TX 75214 1 01/18/05 00 0438983124 05 03/01/05 0.0000 215508460 O 02/01/35 0 9817615 L14/G02 F 225,138.00 ZZ 360 224,893.33 1 5.6250 1296.03 80 5.3750 1296.03 GRESHAM OR 97080 1 01/10/05 00 0438987067 03 03/01/05 0.0000 106001743 O 02/01/35 0 9817653 L14/G02 F 166,066.00 ZZ 360 165,896.68 1 5.8750 982.35 80 5.6250 982.35 SOUTH JORDAN UT 84095 1 01/19/05 00 0438984577 05 03/01/05 0.0000 282100514 O 02/01/35 0 9817663 L14/G02 F 338,981.00 ZZ 360 338,981.00 1 5.8750 1659.59 80 5.6250 1659.59 JACKSONVILLE FL 32258 1 01/26/05 00 0438983116 03 03/01/05 0.0000 260203066 O 02/01/35 0 9817677 L14/G02 F 167,311.00 ZZ 360 167,140.42 1 5.8750 989.71 80 5.6250 989.71 BAKERSFIELD CA 93312 1 01/03/05 00 0438978629 05 03/01/05 0.0000 121506023 O 02/01/35 0 9817681 L14/G02 F 130,900.00 ZZ 360 130,760.05 1 5.6250 753.54 80 5.3750 753.54 DURHAM NC 27703 1 01/25/05 00 0438984320 03 03/01/05 0.0000 103108958 O 02/01/35 0 9817711 L14/G02 F 112,000.00 ZZ 360 111,883.06 1 5.7500 653.61 80 5.5000 653.61 DICKINSON TX 77539 1 01/24/05 00 0438984684 05 03/01/05 0.0000 224600235 O 02/01/35 0 9817761 L14/G02 F 120,104.00 ZZ 360 119,852.60 1 5.7500 700.90 80 5.5000 700.90 MINNEOLA FL 34715 1 01/07/05 00 0438979080 05 02/01/05 0.0000 208029747 O 01/01/35 0 9817789 L14/G02 F 309,100.00 ZZ 360 308,777.27 1 5.7500 1803.83 80 5.5000 1803.83 LAKE MARY FL 32746 1 01/06/05 00 0438983454 03 03/01/05 0.0000 100626139 O 02/01/35 0 9817797 L14/G02 F 592,000.00 ZZ 360 592,000.00 1 5.6250 2775.00 80 5.3750 2775.00 PARADISE VALLEAZ 85253 1 01/19/05 00 0438984312 05 03/01/05 0.0000 281001985 O 02/01/35 0 9817801 L14/G02 F 323,360.00 ZZ 360 323,030.32 1 5.8750 1912.80 80 5.6250 1912.80 MIRA LOMA CA 91752 1 01/05/05 00 0438977738 05 03/01/05 0.0000 103318440 O 02/01/35 0 9817853 L14/G02 F 291,900.00 ZZ 360 291,595.24 1 5.7500 1703.45 80 5.5000 1703.45 WAKE FOREST NC 27587 1 01/20/05 00 0438978694 05 03/01/05 0.0000 203108821 O 02/01/35 0 9818241 E22/G02 F 98,400.00 ZZ 360 98,400.00 1 5.8750 582.07 80 5.6250 582.07 LAKELAND FL 33811 5 02/14/05 00 0423194687 05 04/01/05 0.0000 0423194687 O 03/01/35 0 9818293 E22/G02 F 250,000.00 ZZ 360 250,000.00 1 5.8750 1478.84 63 5.6250 1478.84 KITTY HAWK NC 27949 5 02/14/05 00 0423255694 05 04/01/05 0.0000 0423255694 O 03/01/35 0 9818461 E22/G02 F 194,400.00 ZZ 360 194,400.00 1 5.8750 1149.95 80 5.6250 1149.95 GILBERT AZ 85236 1 02/15/05 00 0423367101 03 04/01/05 0.0000 0423367101 N 03/01/35 0 9818925 L14/G02 F 193,615.00 ZZ 360 193,219.23 1 5.8750 1145.31 80 5.6250 1145.31 THORNTON CO 80602 1 12/22/04 00 0438989709 03 02/01/05 0.0000 104129604 O 01/01/35 0 9818941 L14/G02 F 137,600.00 ZZ 360 137,500.00 1 5.8750 673.67 80 5.6250 673.67 STAFFORD TX 77477 1 01/26/05 00 0438981821 03 03/01/05 0.0000 224604990 O 02/01/35 0 9818997 L14/G02 F 165,920.00 ZZ 360 165,834.21 1 5.8750 812.32 80 5.6250 812.32 MARYSVILLE WA 98270 1 01/26/05 00 0438982985 03 03/01/05 0.0000 220207445 O 02/01/35 0 9819007 L14/G02 F 98,400.00 ZZ 360 98,297.26 1 5.7500 574.24 80 5.5000 574.24 FREMONT NE 68025 1 01/13/05 00 0438978702 05 03/01/05 0.0000 224200557 O 02/01/35 0 9819023 L14/G02 F 262,500.00 ZZ 360 262,232.37 1 5.8750 1552.79 80 5.6250 1552.79 CARMEL IN 46032 1 01/31/05 00 0438988016 03 03/01/05 0.0000 113904915 O 02/01/35 0 9819031 L14/G02 F 197,600.00 ZZ 360 197,196.09 1 5.8750 1168.88 80 5.6250 1168.88 RENO NV 89503 1 12/23/04 00 0438988099 05 02/01/05 0.0000 204030740 O 01/01/35 0 9819041 L14/G02 F 227,300.00 ZZ 360 227,068.25 1 5.8750 1344.57 80 5.6250 1344.57 THORNTON CO 80602 1 01/25/05 00 0438981482 03 03/01/05 0.0000 104129336 O 02/01/35 0 9819051 L14/G02 F 116,000.00 ZZ 360 116,000.00 1 5.8750 567.92 80 5.6250 567.92 CHANDLER AZ 85249 1 12/30/04 00 0438988065 03 02/01/05 0.0000 202127114 O 01/01/35 0 9819087 L14/G02 F 184,116.00 ZZ 360 184,116.00 1 5.8750 901.40 59 5.6250 901.40 ST AUGUSTINE FL 32092 1 12/31/04 00 0438986671 03 02/01/05 0.0000 260203203 O 01/01/35 0 9819099 L14/G02 F 112,440.00 ZZ 360 112,440.00 1 5.8750 550.49 80 5.6250 550.49 LEANDER TX 78641 1 01/24/05 00 0438986101 03 03/01/05 0.0000 100727001 N 02/01/35 0 9819101 L14/G02 F 166,002.00 ZZ 360 165,832.75 1 5.8750 981.97 80 5.6250 981.97 VISALIA CA 93291 1 01/11/05 00 0438985418 05 03/01/05 0.0000 121505952 O 02/01/35 0 9819113 L14/G02 F 236,445.00 ZZ 360 236,203.93 1 5.8750 1398.67 80 5.6250 1398.67 THORNTON CO 80602 1 01/07/05 00 0438980179 03 03/01/05 0.0000 104129471 O 02/01/35 0 9819133 L14/G02 F 340,338.00 ZZ 360 339,642.32 1 5.8750 2013.23 80 5.6250 2013.23 MURRIETA CA 92563 1 12/21/04 00 0438982746 05 02/01/05 0.0000 103319170 O 01/01/35 0 9819179 F36/G02 F 140,000.00 ZZ 360 140,000.00 1 5.8750 685.42 45 5.6250 685.42 FIRCREST WA 98466 5 02/08/05 00 0438981284 05 04/01/05 0.0000 06507880 O 03/01/35 0 9819183 F36/G02 F 180,000.00 ZZ 360 180,000.00 1 5.8750 1064.77 80 5.6250 1064.77 LAKEWOOD WA 98498 1 02/09/05 00 0438982456 05 04/01/05 0.0000 06507900 N 03/01/35 0 9819281 714/G02 F 485,000.00 ZZ 360 485,000.00 1 5.6250 2791.94 53 5.3750 2791.94 JACKSON WI 53037 2 02/16/05 00 0438996563 05 04/01/05 0.0000 1 O 03/01/35 0 9819513 E22/G02 F 90,000.00 ZZ 360 90,000.00 1 5.8750 532.38 75 5.6250 532.38 LANDER WY 82520 2 02/22/05 00 0423322692 05 04/01/05 0.0000 0423322692 N 03/01/35 0 9819517 E22/G02 F 84,000.00 ZZ 360 84,000.00 1 5.8750 496.89 80 5.6250 496.89 LANDER WY 82520 2 02/22/05 00 0423325315 05 04/01/05 0.0000 0423325315 N 03/01/35 0 9819669 E22/G02 F 112,000.00 ZZ 360 112,000.00 1 5.8750 662.52 79 5.6250 662.52 ATLANTA GA 30318 2 02/22/05 00 0423240688 05 04/01/05 0.0000 0423240688 N 03/01/35 0 9819687 E22/U57 F 204,500.00 ZZ 360 204,500.00 1 5.8750 1209.69 64 5.6250 1209.69 POMONA CA 91768 2 02/09/05 00 0423253749 05 04/01/05 0.0000 0423253749 O 03/01/35 0 9819705 E22/U57 F 154,320.00 ZZ 360 154,320.00 1 5.8750 912.86 80 5.6250 912.86 HENDERSON NC 27537 1 02/22/05 00 0423274083 05 04/01/05 0.0000 0423274083 O 03/01/35 0 9819725 E22/G02 F 285,000.00 ZZ 360 285,000.00 2 5.7500 1663.18 80 5.5000 1663.18 BALDWIN PARK CA 91706 5 02/09/05 00 0422780387 05 04/01/05 0.0000 0422780387 O 03/01/35 0 9820135 E65/G02 F 100,000.00 ZZ 360 100,000.00 1 5.8750 591.54 36 5.6250 591.54 SOUTHFIELD MI 48034 5 02/03/05 00 0438985368 05 04/01/05 0.0000 269793 O 03/01/35 0 9820169 L14/G02 F 143,920.00 ZZ 360 143,920.00 1 5.5000 659.63 80 5.2500 659.63 ORANGE PARK FL 32065 1 01/28/05 00 0438987745 03 03/01/05 0.0000 260203117 O 02/01/35 0 9820305 L14/G02 F 202,000.00 ZZ 360 201,653.05 1 5.6250 1162.83 80 5.3750 1162.83 NASHVILLE TN 37221 1 01/28/05 00 0438979809 05 03/01/05 0.0000 230329878 O 02/01/35 0 9820539 E22/G02 F 56,200.00 ZZ 360 56,200.00 1 5.8750 332.44 90 5.6250 332.44 NEW WAVERLY TX 77358 1 02/23/05 10 0423242098 05 04/01/05 25.0000 0423242098 N 03/01/35 0 9821021 696/G02 F 595,200.00 ZZ 360 595,200.00 1 5.7500 2852.00 80 5.5000 2852.00 OAK HILL VA 20171 5 02/16/05 00 0438980088 05 04/01/05 0.0000 23305028 O 03/01/35 0 9821461 H81/G02 F 297,600.00 ZZ 360 297,600.00 1 5.8750 1457.00 80 5.6250 1457.00 SACRAMENTO CA 95823 1 02/14/05 00 0438988479 05 04/01/05 0.0000 44050096 O 03/01/35 0 9822643 E22/G02 F 96,000.00 ZZ 360 96,000.00 1 5.8750 470.00 80 5.6250 470.00 SPOKANE WA 99205 5 02/17/05 00 0423343896 05 04/01/05 0.0000 0423343896 O 03/01/35 0 9822737 E22/G02 F 148,000.00 ZZ 360 148,000.00 1 5.8750 875.48 80 5.6250 875.48 GRAND JUNCTIONCO 81504 5 02/18/05 00 0423412451 03 04/01/05 0.0000 0423412451 O 03/01/35 0 9822795 E22/G02 F 184,000.00 ZZ 360 184,000.00 1 5.8750 1088.43 80 5.6250 1088.43 VICTORVILLE CA 92394 5 02/15/05 00 0423126994 05 04/01/05 0.0000 0423126994 O 03/01/35 0 9823029 E22/G02 F 96,800.00 ZZ 360 96,800.00 1 5.8750 572.61 80 5.6250 572.61 GONZALES LA 70737 5 02/18/05 00 0423318054 05 04/01/05 0.0000 0423318054 O 03/01/35 0 9824407 E22/G02 F 169,200.00 ZZ 360 169,200.00 1 5.8750 1000.88 90 5.6250 1000.88 VISALIA CA 93277 1 02/18/05 01 0423414705 05 04/01/05 25.0000 0423414705 O 03/01/35 0 9824425 E22/G02 F 151,600.00 ZZ 360 151,600.00 1 5.8750 896.77 80 5.6250 896.77 GRANDVIEW TX 76050 1 02/25/05 00 0423371657 05 04/01/05 0.0000 0423371657 O 03/01/35 0 9825401 144/144 F 120,000.00 T 360 119,877.65 1 5.8750 709.85 22 5.6250 709.85 HAMPTON BAYS NY 11946 5 01/31/05 00 160766238 05 03/01/05 0.0000 160766238 O 02/01/35 0 9826283 E22/G02 F 104,000.00 ZZ 360 104,000.00 1 5.8750 615.20 80 5.6250 615.20 LAKELAND TN 38002 2 02/28/05 00 0423383439 05 04/01/05 0.0000 0423383439 N 03/01/35 0 9826357 E22/G02 F 91,200.00 TX 360 91,200.00 1 5.8750 539.48 44 5.6250 539.48 SPRING TX 77388 5 02/22/05 00 0423422062 03 04/01/05 0.0000 0423422062 O 03/01/35 0 9826385 E22/G02 F 297,000.00 ZZ 360 297,000.00 1 5.8750 1756.87 73 5.6250 1756.87 SEATTLE WA 98122 5 02/24/05 00 0423426733 05 04/01/05 0.0000 0423426733 N 03/01/35 0 9826409 E22/G02 F 168,000.00 ZZ 360 168,000.00 1 5.8750 993.78 68 5.6250 993.78 ORANGE NJ 07050 5 02/23/05 00 0423443639 05 04/01/05 0.0000 0423443639 O 03/01/35 0 9826483 E22/G02 F 280,000.00 ZZ 360 280,000.00 1 5.8750 1656.31 66 5.6250 1656.31 TUOLUMNE CA 95379 5 02/18/05 00 0422950352 05 04/01/05 0.0000 0422950352 O 03/01/35 0 9826599 E22/G02 F 101,000.00 ZZ 360 101,000.00 1 5.8750 597.45 58 5.6250 597.45 TAMPA FL 33635 5 02/22/05 00 0423168582 03 04/01/05 0.0000 0423168582 O 03/01/35 0 9826651 E22/G02 F 152,000.00 ZZ 360 152,000.00 2 5.8750 899.14 80 5.6250 899.14 MESA AZ 85204 2 02/17/05 00 0423205475 05 04/01/05 0.0000 0423205475 N 03/01/35 0 9826701 E22/G02 F 152,000.00 ZZ 360 152,000.00 2 5.8750 899.14 80 5.6250 899.14 MESA AZ 85204 2 02/17/05 00 0423231398 05 04/01/05 0.0000 0423231398 N 03/01/35 0 9826855 E22/G02 F 336,750.00 ZZ 360 336,750.00 1 5.8750 1992.00 78 5.6250 1992.00 LOS ANGELES CA 90018 5 02/23/05 00 0423298942 05 04/01/05 0.0000 0423298942 O 03/01/35 0 9826869 E22/G02 F 193,500.00 ZZ 360 193,500.00 1 5.8750 1144.63 90 5.6250 1144.63 COLORADO SPRINCO 80918 5 02/22/05 10 0423303932 05 04/01/05 25.0000 0423303932 O 03/01/35 0 9826939 E22/G02 F 218,400.00 ZZ 360 218,400.00 1 5.8750 1291.92 78 5.6250 1291.92 ENUMCLAW WA 98022 2 02/23/05 00 0423321017 03 04/01/05 0.0000 0423321017 O 03/01/35 0 9827423 F36/G02 F 260,000.00 ZZ 360 260,000.00 1 5.8750 1272.92 50 5.6250 1272.92 GIG HARBOR WA 98335 1 02/24/05 00 0438997702 03 04/01/05 0.0000 06507893 O 03/01/35 0 9827751 E22/G02 F 219,920.00 ZZ 360 219,920.00 2 5.8750 1300.91 80 5.6250 1300.91 BLAINE WA 98230 1 02/22/05 00 0423244367 05 04/01/05 0.0000 0423244367 N 03/01/35 0 9827837 E22/G02 F 154,320.00 ZZ 360 154,320.00 1 5.8750 912.86 80 5.6250 912.86 FT. DUCHESNE UT 84026 2 02/15/05 00 0423324110 05 04/01/05 0.0000 0423324110 O 03/01/35 0 9827845 E22/G02 F 168,000.00 ZZ 360 168,000.00 1 5.7500 980.40 80 5.5000 980.40 OLYMPIA WA 98512 1 02/23/05 00 0423330968 05 04/01/05 0.0000 0423330968 O 03/01/35 0 9827853 E22/G02 F 161,600.00 ZZ 360 161,600.00 1 5.8750 955.93 80 5.6250 955.93 CHARLOTTE NC 28277 1 03/01/05 00 0423340454 03 04/01/05 0.0000 0423340454 O 03/01/35 0 9828245 F36/G02 F 355,000.00 ZZ 360 355,000.00 1 5.8750 1738.02 71 5.6250 1738.02 SEATTLE WA 98101 1 02/23/05 00 0439000589 06 04/01/05 0.0000 06507908 O 03/01/35 0 9828669 E22/G02 F 484,000.00 ZZ 360 484,000.00 1 5.8750 2369.58 80 5.6250 2369.58 PARIS VA 20130 5 02/25/05 00 0423227305 05 04/01/05 0.0000 0423227305 O 03/01/35 0 9832121 E22/G02 F 140,625.00 ZZ 360 140,625.00 1 5.8750 831.85 75 5.6250 831.85 CHANDLER AZ 85226 1 03/01/05 00 0423455955 05 04/01/05 0.0000 0423455955 N 03/01/35 0 Total Number of Loans 451 Total Original Balance 117,303,776.00 Total Principal Balance 117,125,952.14 Total Original P+I 676,280.16 Total Current P+I 676,279.76 Fixed Rate Passthru Loan Number Sub Serv Fee Principal Bal Mstr Serv Fee Curr Note Rate Alloc Exp Net Curr Misc Exp Investor Rate Spread Post Strip Rate Strip 9578476 0.2500 334596.14 0.0300 5.5000 0.0000 5.2500 0.0000 5.2200 5.2200 0.0000 9592152 0.2500 418866.23 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9614520 0.2500 510953.42 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9626653 0.2500 397939.84 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9628922 0.2500 167613.74 0.0300 5.2500 0.0000 5.0000 0.0000 4.9700 4.9700 0.0000 9628924 0.2500 137183.85 0.0300 5.2500 0.0000 5.0000 0.0000 4.9700 4.9700 0.0000 9628946 0.2500 83953.67 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9628956 0.2500 114845.89 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9628980 0.2500 99677.77 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 9628982 0.2500 99677.77 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 9628984 0.2500 99677.77 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 9628994 0.2500 185610.67 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9628996 0.2500 199590.08 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9629000 0.2500 254629.90 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9629006 0.2500 164492.84 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9629014 0.2500 109653.78 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9629018 0.2500 154974.94 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9629020 0.2500 128603.48 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9629028 0.2500 58320.19 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9629044 0.2500 106391.42 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9629060 0.2500 261963.43 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9629074 0.2500 235517.60 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9629076 0.2500 127866.35 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9629084 0.2500 135672.10 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9629088 0.2500 122349.39 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9629096 0.2500 274437.87 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9629098 0.2500 190589.31 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9629102 0.2500 263460.36 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9629104 0.2500 229213.41 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9629114 0.2500 130975.28 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9629116 0.2500 69856.91 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9629122 0.2500 149977.87 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 9629126 0.2500 84822.08 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9629128 0.2500 259455.78 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9629150 0.2500 104592.18 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9629156 0.2500 231737.50 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 9629164 0.2500 138601.66 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 9629168 0.2500 127606.17 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9629174 0.2500 127732.07 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9629188 0.2500 60875.31 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9629190 0.2500 74684.52 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9629196 0.2500 107667.32 0.0300 5.5000 0.0000 5.2500 0.0000 5.2200 5.2200 0.0000 9629200 0.2500 127723.13 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9629216 0.2500 72724.77 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9629218 0.2500 242949.23 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 9629232 0.2500 105378.95 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9629234 0.2500 127866.53 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9629246 0.2500 89630.25 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9629262 0.2500 178318.01 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9631302 0.2500 172819.38 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9631304 0.2500 219747.65 0.0300 5.2500 0.0000 5.0000 0.0000 4.9700 4.9700 0.0000 9631306 0.2500 169818.26 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 9631308 0.2500 99785.68 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 9631312 0.2500 228919.83 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9631314 0.2500 99785.68 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 9631316 0.2500 229354.54 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 9631318 0.2500 186804.76 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9631320 0.2500 207777.63 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 9631322 0.2500 219450.51 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9631624 0.2500 403011.33 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9631628 0.2500 268237.38 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9631630 0.2500 463848.52 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9631634 0.2500 395171.12 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9631636 0.2500 503917.73 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 9631638 0.2500 339281.55 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9631640 0.2500 495959.71 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9631642 0.2500 415575.87 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9631644 0.2500 359265.51 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 9631646 0.2500 414545.76 0.0300 5.5000 0.0000 5.2500 0.0000 5.2200 5.2200 0.0000 9631652 0.2500 103893.97 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9631654 0.2500 159836.87 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9631656 0.2500 149847.06 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9631658 0.2500 71177.36 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9631660 0.2500 321309.92 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 9631662 0.2500 349267.40 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9631664 0.2500 322339.75 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9631666 0.2500 178616.38 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 9631668 0.2500 359264.12 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9631670 0.2500 332984.83 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 9631672 0.2500 598744.12 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9631676 0.2500 101392.33 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9631678 0.2500 407126.89 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9631680 0.2500 358266.17 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9631684 0.2500 131784.75 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9631686 0.2500 489500.42 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9631690 0.2500 209549.94 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 9631692 0.2500 334913.55 0.0300 5.5000 0.0000 5.2500 0.0000 5.2200 5.2200 0.0000 9631694 0.2500 345630.11 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 9631696 0.2500 405525.69 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9631700 0.2500 425585.96 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 9631702 0.2500 245485.09 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9631706 0.2500 498977.96 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9631708 0.2500 223519.94 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 9631710 0.2500 239509.42 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9631714 0.2500 333001.53 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9631716 0.2500 179736.48 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 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5.6250 0.0000 5.5450 5.5000 0.0450 9819705 0.2500 154320.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9819725 0.2500 285000.00 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9820135 0.2500 100000.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9820169 0.2500 143920.00 0.0300 5.5000 0.0000 5.2500 0.0000 5.2200 5.2200 0.0000 9820305 0.2500 201653.05 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 9820539 0.2500 56200.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9821021 0.2500 595200.00 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9821461 0.2500 297600.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9822643 0.2500 96000.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9822737 0.2500 148000.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9822795 0.2500 184000.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9823029 0.2500 96800.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9824407 0.2500 169200.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9824425 0.2500 151600.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9825401 0.2500 119877.65 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9826283 0.2500 104000.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9826357 0.2500 91200.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9826385 0.2500 297000.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9826409 0.2500 168000.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9826483 0.2500 280000.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9826599 0.2500 101000.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9826651 0.2500 152000.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9826701 0.2500 152000.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9826855 0.2500 336750.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9826869 0.2500 193500.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9826939 0.2500 218400.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9827423 0.2500 260000.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9827751 0.2500 219920.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9827837 0.2500 154320.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9827845 0.2500 168000.00 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9827853 0.2500 161600.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9828245 0.2500 355000.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9828669 0.2500 484000.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 9832121 0.2500 140625.00 0.0800 5.8750 0.0000 5.6250 0.0000 5.5450 5.5000 0.0450 Total Number of Loans: 451 Total Original Balance: 117,303,776.00 Total Principal Balance: 117,125,952.14 Total Original P+I: 676,280.16 Total Current P+I: 676,279.76 EXHIBIT ONE-III MORTGAGE LOAN SCHEDULE GROUP II LOAN Fixed Rate Loan Loan Number S/S Code Payment Type Original Bal Loan Feature Orig Term Principal Bal # of Units Orig Rate Original PI LTV Net Curr Current PI City State Zip Loan Purp Note Date MI Co Code Servicer Loan # Prop Type First Pay Date MI Coverage Seller Loan # Occup Code Maturity Date Investor Loan # 8630001 E22/G02 F 267,000.00 ZZ 360 260,834.94 2 6.0000 1600.80 77 5.7500 1600.80 BRONX NY 10466 5 04/14/03 00 0416095073 07 06/01/03 0.0000 0416095073 O 05/01/33 0 9585423 F09/G02 F 159,200.00 ZZ 360 157,866.23 1 7.2500 1086.02 80 7.0000 1086.02 PRIOR LAKE MN 55372 1 07/30/04 00 0438440281 05 09/01/04 0.0000 4000110451 O 08/01/34 0 9592130 956/G02 F 160,000.00 ZZ 360 159,195.59 1 6.0000 959.28 79 5.7500 959.28 TALLAHASSEE FL 32309 2 09/14/04 00 0438830259 03 11/01/04 0.0000 1214070054 N 10/01/34 0 9604735 225/G02 F 89,000.00 ZZ 360 88,492.82 2 7.1250 599.61 90 6.8750 599.61 PITTSFIELD MA 01201 1 07/08/04 10 0438473571 05 09/01/04 25.0000 7543206 N 08/01/34 0 9613832 E23/G02 F 304,000.00 ZZ 360 303,462.08 1 6.6250 1946.55 80 6.3750 1946.55 LA HABRA CA 90631 5 12/20/04 00 0438877342 05 02/01/05 0.0000 51048181 O 01/01/35 0 9614452 Y21/G02 F 428,000.00 ZZ 360 427,145.71 1 6.0000 2566.08 80 5.7500 2566.08 ROHNERT PARK CA 94928 2 12/06/04 00 0438864019 05 02/01/05 0.0000 204719844 O 01/01/35 0 9614498 Y21/G02 F 96,000.00 ZZ 360 95,834.22 1 6.7500 622.66 77 6.5000 622.66 BLAIRSVILLE GA 30512 2 01/04/05 00 0438862732 05 02/01/05 0.0000 204872821 N 01/01/35 0 9628920 286/286 F 200,800.00 ZZ 360 200,604.83 1 6.1250 1220.09 80 5.8750 1220.09 HOLLYWOOD MD 20636 1 01/04/05 00 0003376587 05 03/01/05 0.0000 0003376587 N 02/01/35 0 9628928 286/286 F 64,000.00 ZZ 360 63,710.50 1 7.5000 447.50 79 7.2500 447.50 FT WAYNE IN 46807 5 08/30/04 00 0003568473 05 10/01/04 0.0000 0003568473 N 09/01/34 0 9628930 286/286 F 106,425.00 ZZ 360 106,328.79 1 6.5000 672.68 75 6.2500 672.68 MARTINSBURG WV 25401 1 01/05/05 00 0003583556 07 03/01/05 0.0000 0003583556 N 02/01/35 0 9628934 286/286 F 49,600.00 ZZ 360 49,347.58 1 6.8750 325.84 80 6.6250 325.84 ECORSE MI 48229 5 10/07/04 00 0003621302 05 12/01/04 0.0000 0003621302 N 11/01/34 0 9628936 286/286 F 64,000.00 ZZ 360 63,833.74 1 6.7500 415.11 80 6.5000 415.11 HOMOSASSA SPRFL 34445 1 11/09/04 00 0003622588 07 01/01/05 0.0000 0003622588 N 12/01/34 0 9628938 286/286 F 48,000.00 ZZ 360 47,875.31 2 6.7500 311.33 80 6.5000 311.33 CRYSTAL RIVER FL 34428 1 11/09/04 00 0003622594 05 01/01/05 0.0000 0003622594 N 12/01/34 0 9628944 286/286 F 84,800.00 ZZ 360 84,563.09 1 6.3750 529.05 80 6.1250 529.05 TANEYTOWN MD 21787 5 11/22/04 00 0003658208 07 01/01/05 0.0000 0003658208 N 12/01/34 0 9628948 286/286 F 129,000.00 ZZ 360 128,754.55 2 6.2500 794.28 68 6.0000 794.28 COLLINGSWOOD NJ 08108 1 12/16/04 00 0003667952 05 02/01/05 0.0000 0003667952 N 01/01/35 0 9628950 286/286 F 73,500.00 ZZ 360 73,199.72 1 6.2500 452.56 70 6.0000 452.56 OVERLAND MO 63114 2 11/16/04 00 0003669057 05 01/01/05 0.0000 0003669057 N 12/01/34 0 9628954 286/286 F 162,000.00 ZZ 360 161,536.44 1 6.2500 997.47 74 6.0000 997.47 FRUITA CO 81521 2 11/17/04 00 0003678655 05 01/01/05 0.0000 0003678655 N 12/01/34 0 9628958 286/286 F 132,800.00 ZZ 360 132,534.92 1 6.0000 796.21 54 5.7500 796.21 MANASSAS VA 20110 2 12/10/04 00 0003681063 01 02/01/05 0.0000 0003681063 N 01/01/35 0 9628960 286/286 F 119,000.00 ZZ 360 118,566.16 2 6.5000 752.17 70 6.2500 752.17 COLUMBUS OH 43201 2 10/28/04 00 0003684319 05 12/01/04 0.0000 0003684319 N 11/01/34 0 9628962 286/286 F 108,000.00 ZZ 360 107,902.36 2 6.5000 682.64 80 6.2500 682.64 INDIANAPOLIS IN 46201 5 01/05/05 00 0003686286 05 03/01/05 0.0000 0003686286 N 02/01/35 0 9628964 286/286 F 74,900.00 ZZ 360 74,754.01 2 6.1250 455.11 70 5.8750 455.11 TRENTON NJ 08611 1 12/15/04 00 0003696495 05 02/01/05 0.0000 0003696495 N 01/01/35 0 9628968 286/286 F 84,000.00 ZZ 360 83,693.77 1 6.5000 530.94 80 6.2500 530.94 WENATCHEE WA 98801 1 10/29/04 00 0003700004 05 12/01/04 0.0000 0003700004 N 11/01/34 0 9628970 286/286 F 84,000.00 ZZ 360 83,693.77 1 6.5000 530.94 80 6.2500 530.94 WENATCHEE WA 98801 1 10/29/04 00 0003700005 05 12/01/04 0.0000 0003700005 N 11/01/34 0 9628972 286/286 F 84,000.00 ZZ 360 83,693.77 1 6.5000 530.94 80 6.2500 530.94 WENATCHEE WA 98801 1 10/29/04 00 0003700011 05 12/01/04 0.0000 0003700011 N 11/01/34 0 9628976 286/286 F 238,500.00 ZZ 360 238,046.22 1 6.2500 1468.49 90 6.0000 1468.49 FREDERICKSBURGVA 22401 1 12/09/04 12 0003709334 07 02/01/05 25.0000 0003709334 N 01/01/35 0 9628986 286/286 F 140,000.00 ZZ 360 139,716.18 1 6.5000 884.90 78 6.2500 884.90 STOCKTON CA 95203 2 12/29/04 00 0003714671 05 02/01/05 0.0000 0003714671 N 01/01/35 0 9628988 286/286 F 60,000.00 ZZ 360 59,885.82 1 6.2500 369.44 80 6.0000 369.44 COLUMBIA FALLSMT 59912 1 12/15/04 00 0003715549 05 02/01/05 0.0000 0003715549 N 01/01/35 0 9628992 286/286 F 170,000.00 ZZ 360 169,489.73 1 6.0000 1019.24 80 5.7500 1019.24 COLORADO SPRINCO 80920 1 11/23/04 00 0003716287 03 01/01/05 0.0000 0003716287 N 12/01/34 0 9628998 286/286 F 30,000.00 ZZ 360 29,972.21 1 6.3750 187.17 62 6.1250 187.17 GRIFFIN GA 30223 5 01/03/05 00 0003718236 05 03/01/05 0.0000 0003718236 N 02/01/35 0 9629002 286/286 F 151,120.00 ZZ 360 150,832.46 1 6.2500 930.48 80 6.0000 930.48 DOVER DE 19904 1 12/17/04 00 0003719693 03 02/01/05 0.0000 0003719693 N 01/01/35 0 9629004 286/286 F 128,000.00 ZZ 360 127,750.53 2 6.1250 777.75 80 5.8750 777.75 MIDDLETOWN CT 06457 1 01/04/05 00 0003721594 05 02/01/05 0.0000 0003721594 N 01/01/35 0 9629008 286/286 F 175,000.00 ZZ 360 174,650.69 1 6.0000 1049.22 71 5.7500 1049.22 WALDORF MD 20603 5 12/07/04 00 0003721883 03 02/01/05 0.0000 0003721883 N 01/01/35 0 9629012 286/286 F 189,000.00 ZZ 360 188,811.84 2 6.0000 1133.16 50 5.7500 1133.16 VENICE FL 34285 2 01/05/05 00 0003726273 05 03/01/05 0.0000 0003726273 N 02/01/35 0 9629022 286/286 F 140,000.00 ZZ 360 139,720.54 1 6.0000 839.38 61 5.7500 839.38 DENVER CO 80210 2 12/14/04 00 0003732131 05 02/01/05 0.0000 0003732131 N 01/01/35 0 9629024 286/286 F 171,600.00 ZZ 360 171,433.22 1 6.1250 1042.66 80 5.8750 1042.66 COARSEGOLD CA 93614 1 12/15/04 00 0003732884 03 03/01/05 0.0000 0003732884 N 02/01/35 0 9629026 286/286 F 100,000.00 ZZ 360 99,905.11 2 6.2500 615.72 80 6.0000 615.72 PHILLIPSBURG NJ 08865 1 01/05/05 00 0003733074 05 03/01/05 0.0000 0003733074 N 02/01/35 0 9629032 286/286 F 190,500.00 ZZ 360 190,119.75 1 6.0000 1142.15 75 5.7500 1142.15 WHITE PLAINS MD 20695 2 12/07/04 00 0003733391 03 02/01/05 0.0000 0003733391 N 01/01/35 0 9629034 286/286 F 86,800.00 ZZ 360 86,557.54 1 6.3750 541.52 80 6.1250 541.52 VIRGINIA BEACHVA 23464 2 11/18/04 00 0003733893 03 01/01/05 0.0000 0003733893 N 12/01/34 0 9629038 286/286 F 32,000.00 ZZ 360 31,971.77 1 6.6250 204.90 79 6.3750 204.90 ANDERSON IN 46012 1 01/05/05 00 0003738096 05 03/01/05 0.0000 0003738096 N 02/01/35 0 9629042 286/286 F 147,000.00 ZZ 360 146,558.78 2 6.0000 881.34 74 5.7500 881.34 TALLAHASSEE FL 32308 1 11/23/04 00 0003741182 05 01/01/05 0.0000 0003741182 N 12/01/34 0 9629046 286/286 F 65,000.00 ZZ 360 64,879.26 1 6.3750 405.52 75 6.1250 405.52 PETERSBURG VA 23803 5 01/04/05 00 0003741502 05 02/01/05 0.0000 0003741502 N 01/01/35 0 9629048 286/286 F 82,400.00 ZZ 360 82,158.47 1 6.1250 500.68 80 5.8750 500.68 TRUSTVILLE AL 35173 1 11/23/04 00 0003743228 05 01/01/05 0.0000 0003743228 N 12/01/34 0 9629050 286/286 F 340,000.00 ZZ 360 339,050.25 2 6.3750 2121.16 80 6.1250 2121.16 QUEEN VILLAGE NY 11427 1 12/08/04 00 0003744253 05 01/01/05 0.0000 0003744253 N 12/01/34 0 9629052 286/286 F 92,000.00 ZZ 360 91,816.36 1 6.0000 551.59 80 5.7500 551.59 ASHEVILLE NC 28803 1 12/10/04 00 0003747677 05 02/01/05 0.0000 0003747677 N 01/01/35 0 9629054 286/286 F 84,000.00 ZZ 360 83,781.79 1 6.7500 544.83 74 6.5000 544.83 COATESVILLE PA 19320 5 11/30/04 00 0003747957 05 01/01/05 0.0000 0003747957 N 12/01/34 0 9629056 286/286 F 56,700.00 ZZ 360 56,602.08 1 6.7500 367.76 70 6.5000 367.76 HYATTSVILLE MD 20782 2 12/07/04 00 0003751322 08 02/01/05 0.0000 0003751322 N 01/01/35 0 9629062 286/286 F 128,000.00 ZZ 360 127,756.46 1 6.2500 788.12 80 6.0000 788.12 TOMS RIVER NJ 08757 1 12/15/04 00 0003752406 03 02/01/05 0.0000 0003752406 N 01/01/35 0 9629064 286/286 F 156,750.00 ZZ 360 156,301.47 1 6.2500 965.14 75 6.0000 965.14 TEANECK NJ 07666 1 11/10/04 00 0003753917 05 01/01/05 0.0000 0003753917 N 12/01/34 0 9629078 286/286 F 138,750.00 ZZ 360 138,618.35 4 6.2500 854.31 75 6.0000 854.31 BOWLING GREEN OH 43402 1 01/05/05 00 0003758823 05 03/01/05 0.0000 0003758823 N 02/01/35 0 9629082 286/286 F 162,100.00 ZZ 360 161,776.43 2 6.0000 971.88 80 5.7500 971.88 LUBBOCK TX 79416 2 12/13/04 00 0003760729 05 02/01/05 0.0000 0003760729 N 01/01/35 0 9629090 286/286 F 131,200.00 ZZ 360 130,967.84 1 6.6250 840.09 80 6.3750 840.09 COLORADO SPRINCO 80906 1 01/03/05 00 0003764654 05 02/01/05 0.0000 0003764654 N 01/01/35 0 9629092 286/286 F 150,000.00 ZZ 360 149,857.67 1 6.2500 923.58 45 6.0000 923.58 FAIRFIELD CA 94534 2 01/03/05 00 0003766744 05 03/01/05 0.0000 0003766744 N 02/01/35 0 9629094 286/286 F 135,000.00 ZZ 360 134,594.78 1 6.0000 809.40 80 5.7500 809.40 TOMBALL TX 77377 2 11/17/04 00 0003766817 05 01/01/05 0.0000 0003766817 N 12/01/34 0 9629100 286/286 F 112,800.00 ZZ 360 112,694.88 1 6.3750 703.73 79 6.1250 703.73 POMPANO BEACH FL 33062 1 01/03/05 00 0003768263 01 03/01/05 0.0000 0003768263 N 02/01/35 0 9629108 286/286 F 67,150.00 ZZ 360 66,966.88 1 6.5000 424.44 70 6.2500 424.44 HARLEM GA 30814 5 11/17/04 00 0003770662 05 01/01/05 0.0000 0003770662 N 12/01/34 0 9629118 286/286 F 63,000.00 ZZ 360 62,941.25 1 6.5000 398.21 77 6.2500 398.21 RUSSELLVILLE AR 72801 2 01/03/05 00 0003775383 05 03/01/05 0.0000 0003775383 N 02/01/35 0 9629120 286/286 F 73,600.00 ZZ 360 73,531.83 1 6.3750 459.17 74 6.1250 459.17 NEWPORT WA 99156 2 01/04/05 00 0003775448 05 03/01/05 0.0000 0003775448 N 02/01/35 0 9629130 286/286 F 423,750.00 ZZ 360 422,904.19 4 6.0000 2540.60 75 5.7500 2540.60 OAKLAND CA 94609 1 12/28/04 00 0003776583 05 02/01/05 0.0000 0003776583 N 01/01/35 0 9629134 286/286 F 220,000.00 ZZ 360 219,591.38 1 6.3750 1372.52 74 6.1250 1372.52 KIRKLAND WA 98034 2 12/23/04 00 0003777818 05 02/01/05 0.0000 0003777818 N 01/01/35 0 9629136 286/286 F 130,000.00 ZZ 360 129,514.52 1 6.3750 811.03 52 6.1250 811.03 SPARKS NV 89436 1 10/15/04 00 0003778462 03 12/01/04 0.0000 0003778462 N 11/01/34 0 9629144 286/286 F 160,000.00 ZZ 360 159,851.80 1 6.3750 998.20 80 6.1250 998.20 NORTH LAS VEGANV 89030 5 01/03/05 00 0003781125 05 03/01/05 0.0000 0003781125 N 02/01/35 0 9629146 286/286 F 221,600.00 ZZ 360 220,995.74 1 6.5000 1400.67 80 6.2500 1400.67 LINCOLN CA 95648 1 11/05/04 00 0003781683 05 01/01/05 0.0000 0003781683 N 12/01/34 0 9629148 286/286 F 54,250.00 ZZ 360 54,146.77 2 6.2500 334.03 76 6.0000 334.03 LANCASTER PA 17602 1 12/30/04 00 0003781702 05 02/01/05 0.0000 0003781702 N 01/01/35 0 9629152 286/286 F 97,200.00 ZZ 360 97,107.77 3 6.2500 598.48 45 6.0000 598.48 COLUMBUS OH 43215 2 01/03/05 00 0003783161 05 03/01/05 0.0000 0003783161 N 02/01/35 0 9629154 286/286 F 100,950.00 ZZ 360 100,854.21 4 6.2500 621.57 41 6.0000 621.57 COLUMBUS OH 43201 2 01/03/05 00 0003783169 05 03/01/05 0.0000 0003783169 N 02/01/35 0 9629160 286/286 F 204,400.00 ZZ 360 204,196.51 1 6.0000 1225.49 80 5.7500 1225.49 GLEN ALLEN VA 23059 2 01/05/05 00 0003786039 03 03/01/05 0.0000 0003786039 N 02/01/35 0 9629162 286/286 F 176,000.00 ZZ 360 175,673.09 1 6.3750 1098.02 80 6.1250 1098.02 CHANDLER AZ 85225 1 12/29/04 00 0003786373 03 02/01/05 0.0000 0003786373 N 01/01/35 0 9629166 286/286 F 50,500.00 ZZ 360 50,401.57 1 6.1250 306.85 71 5.8750 306.85 WARRENTON GA 30828 5 12/28/04 00 0003786632 05 02/01/05 0.0000 0003786632 N 01/01/35 0 9629170 286/286 F 142,400.00 ZZ 360 142,264.88 1 6.2500 876.79 80 6.0000 876.79 TACOMA WA 98408 2 01/03/05 00 0003786955 05 03/01/05 0.0000 0003786955 N 02/01/35 0 9629172 286/286 F 165,000.00 ZZ 360 164,835.74 1 6.0000 989.26 32 5.7500 989.26 BURBANK CA 91506 2 12/31/04 00 0003789274 05 03/01/05 0.0000 0003789274 N 02/01/35 0 9629178 286/286 F 90,000.00 ZZ 360 89,436.24 1 6.1250 546.85 72 5.8750 546.85 SUSANVILLE CA 96130 1 11/01/04 00 0003789966 05 01/01/05 0.0000 0003789966 N 12/01/34 0 9629180 286/286 F 66,320.00 ZZ 360 66,141.48 1 6.3750 413.76 80 6.1250 413.76 FT WALTON BCH FL 32548 2 12/14/04 00 0003790120 01 02/01/05 0.0000 0003790120 N 01/01/35 0 9629184 286/286 F 251,000.00 ZZ 360 250,756.04 1 6.1250 1525.11 72 5.8750 1525.11 RIVERSIDE CA 92507 2 01/03/05 00 0003792662 05 03/01/05 0.0000 0003792662 N 02/01/35 0 9629192 286/286 F 144,000.00 ZZ 360 143,567.77 1 6.0000 863.35 80 5.7500 863.35 LAWRENSVILLE GA 30043 2 11/16/04 00 0003795396 03 01/01/05 0.0000 0003795396 N 12/01/34 0 9629194 286/286 F 118,700.00 ZZ 360 118,223.77 1 6.0000 711.67 80 5.7500 711.67 BAKERSFIELD CA 93306 1 10/29/04 00 0003795425 05 12/01/04 0.0000 0003795425 N 11/01/34 0 9629198 286/286 F 60,000.00 ZZ 360 59,832.38 1 6.3750 374.33 80 6.1250 374.33 NETARTS OR 97141 1 10/28/04 00 0003795647 05 01/01/05 0.0000 0003795647 N 12/01/34 0 9629202 286/286 F 142,500.00 ZZ 360 141,980.51 1 6.5000 900.70 48 6.2500 900.70 SCOTTSDALE AZ 85254 1 10/20/04 00 0003795745 05 12/01/04 0.0000 0003795745 N 11/01/34 0 9629204 286/286 F 140,400.00 ZZ 360 139,836.70 1 6.0000 841.77 80 5.7500 841.77 NEWBERG OR 97132 1 10/28/04 00 0003795786 03 12/01/04 0.0000 0003795786 N 11/01/34 0 9629208 286/286 F 84,000.00 ZZ 360 83,916.37 1 6.0000 503.63 80 5.7500 503.63 DOUGLASVILLE GA 30135 2 01/05/05 00 0003796911 05 03/01/05 0.0000 0003796911 N 02/01/35 0 9629220 286/286 F 161,500.00 ZZ 360 160,882.25 2 6.2500 994.39 71 6.0000 994.39 CHICAGO IL 60629 2 10/25/04 00 0003799822 05 12/01/04 0.0000 0003799822 N 11/01/34 0 9629222 286/286 F 192,000.00 ZZ 360 191,433.09 1 6.1250 1166.61 70 5.8750 1166.61 CITRUS HEIGHTSCA 95610 5 11/04/04 00 0003799849 05 01/01/05 0.0000 0003799849 N 12/01/34 0 9629230 286/286 F 63,200.00 ZZ 360 63,035.66 1 6.7500 409.92 73 6.5000 409.92 YREKA CA 96097 5 11/09/04 00 0003800301 03 01/01/05 0.0000 0003800301 N 12/01/34 0 9629238 286/286 F 120,000.00 ZZ 360 119,888.85 2 6.3750 748.65 80 6.1250 748.65 SHERMAN TX 75090 1 01/06/05 00 0003802215 05 03/01/05 0.0000 0003802215 N 02/01/35 0 9629242 286/286 F 116,250.00 ZZ 360 116,002.51 1 6.5000 734.78 75 6.2500 734.78 DENVER CO 80223 1 12/16/04 00 0003803089 05 02/01/05 0.0000 0003803089 N 01/01/35 0 9629244 286/286 F 109,600.00 ZZ 360 108,523.68 1 6.5000 692.75 80 6.2500 692.75 ONTARIO OR 97914 1 12/29/04 00 0003804223 05 02/01/05 0.0000 0003804223 N 01/01/35 0 9629248 286/286 F 140,000.00 ZZ 360 139,447.09 1 6.3750 873.42 75 6.1250 873.42 RALEIGH NC 27612 2 12/01/04 00 0003806262 07 01/01/05 0.0000 0003806262 N 12/01/34 0 9629252 286/286 F 117,500.00 ZZ 360 117,147.31 1 6.0000 704.48 45 5.7500 704.48 OAKDALE CA 95361 2 11/29/04 00 0003808701 05 01/01/05 0.0000 0003808701 N 12/01/34 0 9629254 286/286 F 101,500.00 ZZ 360 101,195.33 1 6.0000 608.55 62 5.7500 608.55 EGG HARBOR TOWNJ 08234 2 11/22/04 00 0003808757 05 01/01/05 0.0000 0003808757 N 12/01/34 0 9629256 286/286 F 81,000.00 ZZ 360 80,779.11 1 6.5000 511.98 74 6.2500 511.98 ATLANTA GA 30315 5 11/23/04 00 0003808977 05 01/01/05 0.0000 0003808977 N 12/01/34 0 9629260 286/286 F 266,000.00 ZZ 360 265,747.60 2 6.5000 1681.31 70 6.2500 1681.31 SOUTH BOUND BRNJ 08880 5 12/31/04 00 0003812528 05 03/01/05 0.0000 0003812528 N 02/01/35 0 9631620 956/956 F 466,000.00 ZZ 360 465,536.09 1 6.0000 2793.91 25 5.7500 2793.91 MILL VALLEY CA 94941 2 01/11/05 00 114120032 05 03/01/05 0.0000 114120032 O 02/01/35 0 9631632 956/956 F 425,000.00 ZZ 360 424,191.38 1 6.2500 2616.80 66 6.0000 2616.80 CALISTOGA CA 94515 2 12/20/04 00 614110026 05 02/01/05 0.0000 614110026 N 01/01/35 0 9631648 956/956 F 178,500.00 ZZ 360 178,330.63 4 6.2500 1099.06 70 6.0000 1099.06 TALLAHASSEE FL 32304 1 01/20/05 00 1214120019 05 03/01/05 0.0000 1214120019 N 02/01/35 0 9631650 956/956 F 495,000.00 ZZ 360 494,011.98 1 6.0000 2967.78 76 5.7500 2967.78 SAMMAMISH WA 98075 5 12/18/04 00 1314120018 05 02/01/05 0.0000 1314120018 O 01/01/35 0 9631674 956/956 F 316,000.00 ZZ 360 315,685.42 1 6.0000 1894.58 80 5.7500 1894.58 OCEANSIDE CA 92056 5 01/03/05 00 1514120064 05 03/01/05 0.0000 1514120064 O 02/01/35 0 9631682 956/956 F 273,000.00 ZZ 360 272,734.66 1 6.1250 1658.78 73 5.8750 1658.78 NEVADA CITY CA 95959 5 01/11/05 00 1814110161 05 03/01/05 0.0000 1814110161 O 02/01/35 0 9631688 956/956 F 170,000.00 ZZ 360 169,668.69 2 6.1250 1032.94 47 5.8750 1032.94 LONG BEACH CA 90813 2 12/14/04 00 1914110028 05 02/01/05 0.0000 1914110028 N 01/01/35 0 9631704 956/956 F 283,500.00 ZZ 360 282,960.60 1 6.2500 1745.56 75 6.0000 1745.56 DENVER CO 80210 5 12/17/04 00 2414120015 05 02/01/05 0.0000 2414120015 N 01/01/35 0 9631730 956/956 F 75,000.00 ZZ 360 74,928.83 1 6.2500 461.79 72 6.0000 461.79 KENNER LA 70062 2 01/05/05 00 3214120024 05 03/01/05 0.0000 3214120024 N 02/01/35 0 9631780 956/956 F 323,200.00 ZZ 360 322,878.25 1 6.0000 1937.75 80 5.7500 1937.75 CHICAGO IL 60646 5 01/06/05 00 4714120033 05 03/01/05 0.0000 4714120033 O 02/01/35 0 9632154 U09/G02 F 101,040.00 ZZ 360 100,955.12 1 6.8750 663.76 80 6.6250 663.76 OAK PARK MI 48237 1 01/18/05 00 0438898819 05 03/01/05 0.0000 2402706 N 02/01/35 0 9633724 286/286 F 159,200.00 ZZ 360 159,045.26 1 6.1250 967.32 80 5.8750 967.32 FENTON MI 48430 1 01/19/05 00 0003795047 05 03/01/05 0.0000 0003795047 O 02/01/35 0 9633726 286/286 F 41,500.00 ZZ 360 41,465.13 1 6.8750 272.63 46 6.6250 272.63 ROSEVILLE MI 48066 1 01/14/05 00 0003795129 05 03/01/05 0.0000 0003795129 O 02/01/35 0 9633728 286/286 F 57,450.00 ZZ 360 57,394.15 1 6.1250 349.08 77 5.8750 349.08 MOORHEAD MN 56560 1 01/04/05 00 0003796876 05 03/01/05 0.0000 0003796876 N 02/01/35 0 9633730 286/286 F 285,300.00 ZZ 360 285,066.14 1 7.0000 1898.11 90 6.7500 1898.11 BOWIE MD 20720 1 01/18/05 11 0003798039 05 03/01/05 25.0000 0003798039 N 02/01/35 0 9633734 286/286 F 251,300.00 ZZ 360 251,088.87 1 6.8750 1650.87 70 6.6250 1650.87 FOUNTAIN HILLSAZ 85268 1 01/13/05 00 0003798821 03 03/01/05 0.0000 0003798821 O 02/01/35 0 9633736 286/286 F 48,800.00 ZZ 360 48,765.56 1 7.7500 349.61 80 7.5000 349.61 DEARBORN MI 48126 1 01/05/05 00 0003799061 05 03/01/05 0.0000 0003799061 N 02/01/35 0 9633738 286/286 F 168,000.00 ZZ 360 167,851.77 1 6.6250 1075.73 80 6.3750 1075.73 TALLAHASSEE FL 32312 1 01/06/05 00 0003799249 03 03/01/05 0.0000 0003799249 O 02/01/35 0 9633742 286/286 F 224,000.00 ZZ 360 223,797.49 3 6.5000 1415.84 70 6.2500 1415.84 PROVIDENCE RI 02908 5 01/21/05 00 0003800867 05 03/01/05 0.0000 0003800867 N 02/01/35 0 9633746 286/286 F 188,000.00 ZZ 360 187,834.13 3 6.6250 1203.79 80 6.3750 1203.79 SPARKS NV 89431 1 01/06/05 00 0003801793 05 03/01/05 0.0000 0003801793 N 02/01/35 0 9633748 286/286 F 299,000.00 ZZ 360 298,723.06 1 6.3750 1865.38 75 6.1250 1865.38 CEDAR CREST NM 87008 5 01/07/05 00 0003802169 05 03/01/05 0.0000 0003802169 O 02/01/35 0 9633750 286/286 F 149,520.00 ZZ 360 149,228.61 1 6.1250 908.50 80 5.8750 908.50 PRESCOTT VALLEAZ 86314 1 12/30/04 00 0003802258 03 02/01/05 0.0000 0003802258 N 01/01/35 0 9633754 286/286 F 97,500.00 ZZ 360 97,197.18 4 7.7500 698.51 65 7.5000 698.51 BARRE VT 05602 1 01/14/05 00 0003803450 05 03/01/05 0.0000 0003803450 N 02/01/35 0 9633760 286/286 F 106,400.00 ZZ 360 106,299.04 2 6.2500 655.13 80 6.0000 655.13 KANSAS CITY MO 64106 5 01/11/05 00 0003806357 05 03/01/05 0.0000 0003806357 N 02/01/35 0 9633762 286/286 F 142,500.00 ZZ 360 142,371.17 1 6.5000 900.70 72 6.2500 900.70 MILWAUKIE OR 97267 5 01/12/05 00 0003806390 05 03/01/05 0.0000 0003806390 N 02/01/35 0 9633764 286/286 F 116,350.00 ZZ 360 116,263.65 1 7.5000 813.54 65 7.2500 813.54 GLEN BURNIE MD 21061 1 01/14/05 00 0003806625 05 03/01/05 0.0000 0003806625 N 02/01/35 0 9633766 286/286 F 112,500.00 ZZ 360 112,398.29 4 6.5000 711.08 90 6.2500 711.08 CLEVELAND OH 44120 1 01/05/05 11 0003806807 05 03/01/05 25.0000 0003806807 N 02/01/35 0 9633770 286/286 F 175,000.00 ZZ 360 174,852.97 1 6.8750 1149.63 67 6.6250 1149.63 SAINT LOUIS MO 63139 2 12/29/04 00 0003807620 05 03/01/05 0.0000 0003807620 O 02/01/35 0 9633772 286/286 F 180,500.00 ZZ 360 180,336.82 1 6.5000 1140.89 95 6.2500 1140.89 ALBUQUERQUE NM 87120 5 01/05/05 12 0003808086 05 03/01/05 30.0000 0003808086 O 02/01/35 0 9633774 286/286 F 148,500.00 ZZ 360 148,368.97 3 6.6250 950.87 90 6.3750 950.87 PHOENIX AZ 85051 1 01/14/05 12 0003808204 05 03/01/05 25.0000 0003808204 N 02/01/35 0 9633776 286/286 F 68,800.00 ZZ 360 68,744.98 1 7.1250 463.52 80 6.8750 463.52 EAST CLEVELANDOH 44112 5 01/04/05 00 0003808479 05 03/01/05 0.0000 0003808479 N 02/01/35 0 9633778 286/286 F 112,800.00 ZZ 360 112,698.02 1 6.5000 712.98 78 6.2500 712.98 SAN ANTONIO TX 78212 2 01/18/05 00 0003808583 05 03/01/05 0.0000 0003808583 N 02/01/35 0 9633780 286/286 F 207,000.00 ZZ 360 206,834.46 1 7.1250 1394.60 80 6.8750 1394.60 ST. GEORGE UT 84790 5 01/03/05 00 0003809418 05 03/01/05 0.0000 0003809418 O 02/01/35 0 9633782 286/286 F 162,000.00 ZZ 360 161,870.45 3 7.1250 1091.43 90 6.8750 1091.43 JOLIET IL 60435 1 01/21/05 10 0003809460 05 03/01/05 25.0000 0003809460 N 02/01/35 0 9633784 286/286 F 57,500.00 ZZ 300 57,423.21 1 6.5000 388.25 72 6.2500 388.25 JAMESTOWN OH 45335 2 01/10/05 00 0003809775 05 03/01/05 0.0000 0003809775 N 02/01/30 0 9633786 286/286 F 112,500.00 ZZ 360 112,422.57 3 7.8750 815.71 90 7.6250 815.71 WATERBURY CT 06706 1 01/14/05 14 0003810046 05 03/01/05 25.0000 0003810046 N 02/01/35 0 9633788 286/286 F 136,000.00 ZZ 360 135,874.03 1 6.3750 848.47 80 6.1250 848.47 CHARLOTTE NC 28209 2 01/21/05 00 0003810336 05 03/01/05 0.0000 0003810336 N 02/01/35 0 9633792 286/286 F 116,000.00 ZZ 360 115,889.93 1 6.2500 714.24 80 6.0000 714.24 ALBUQUERQUE NM 87109 5 01/07/05 00 0003811231 05 03/01/05 0.0000 0003811231 N 02/01/35 0 9633796 286/286 F 397,600.00 ZZ 360 397,231.74 1 6.3750 2480.51 80 6.1250 2480.51 BAYFIELD CO 81122 5 01/06/05 00 0003814101 05 03/01/05 0.0000 0003814101 O 02/01/35 0 9633798 286/286 F 100,125.00 TX 360 99,960.36 2 7.0000 666.14 75 6.7500 666.14 BRYAN TX 77802 5 12/31/04 00 0003814264 05 02/01/05 0.0000 0003814264 N 01/01/35 0 9633800 286/286 F 90,000.00 TX 360 89,852.01 2 7.0000 598.78 75 6.7500 598.78 BRYAN TX 77802 5 12/31/04 00 0003814314 05 02/01/05 0.0000 0003814314 N 01/01/35 0 9633802 286/286 F 67,500.00 TX 360 67,389.02 2 7.0000 449.08 80 6.7500 449.08 BRYAN TX 77802 5 12/31/04 00 0003814330 05 02/01/05 0.0000 0003814330 N 01/01/35 0 9633804 286/286 F 180,000.00 ZZ 360 179,852.45 1 7.0000 1197.55 80 6.7500 1197.55 BOZEMAN MT 59715 2 01/12/05 00 0003814684 05 03/01/05 0.0000 0003814684 N 02/01/35 0 9633806 286/286 F 264,000.00 ZZ 360 263,755.48 1 6.3750 1647.02 80 6.1250 1647.02 SAGLE ID 83860 5 01/10/05 00 0003815054 05 03/01/05 0.0000 0003815054 O 02/01/35 0 9633808 286/286 F 80,000.00 ZZ 360 79,939.12 1 7.3750 552.55 62 7.1250 552.55 SHALIMAR FL 32579 1 01/13/05 00 0003815234 03 03/01/05 0.0000 0003815234 N 02/01/35 0 9633810 286/286 F 58,500.00 TX 360 58,456.58 1 7.5000 409.05 75 7.2500 409.05 ARLINGTON TX 76010 5 01/20/05 00 0003816387 05 03/01/05 0.0000 0003816387 N 02/01/35 0 9633812 286/286 F 454,750.00 ZZ 360 454,367.95 1 6.8750 2987.39 85 6.6250 2987.39 MIRAMAR FL 33029 1 01/12/05 11 0003816686 03 03/01/05 12.0000 0003816686 O 02/01/35 0 9633818 286/286 F 225,000.00 ZZ 360 224,781.31 1 6.1250 1367.13 85 5.8750 1367.13 SPOKANE WA 99223 5 01/03/05 14 0003818564 05 03/01/05 12.0000 0003818564 O 02/01/35 0 9633822 286/286 F 72,000.00 ZZ 360 71,946.56 1 7.5000 503.44 60 7.2500 503.44 FLORENCE KY 41042 2 01/10/05 00 0003819003 05 03/01/05 0.0000 0003819003 N 02/01/35 0 9633824 286/286 F 119,000.00 ZZ 360 118,789.42 1 6.6250 761.98 80 6.3750 761.98 MIAMI FL 33182 5 01/05/05 00 0003819385 01 02/01/05 0.0000 0003819385 N 01/01/35 0 9633828 286/286 F 228,000.00 ZZ 360 227,783.66 3 6.2500 1403.84 80 6.0000 1403.84 NEW BEDFORD MA 02740 1 01/14/05 00 0003820238 05 03/01/05 0.0000 0003820238 N 02/01/35 0 9633830 286/286 F 54,890.00 ZZ 360 54,842.74 1 6.7500 356.02 78 6.5000 356.02 SAN ANTONIO TX 78202 2 01/13/05 00 0003820780 05 03/01/05 0.0000 0003820780 N 02/01/35 0 9633838 286/286 F 152,000.00 ZZ 360 151,859.21 1 6.3750 948.29 80 6.1250 948.29 UPPER MARLBOROMD 20774 5 01/20/05 00 0003822552 03 03/01/05 0.0000 0003822552 N 02/01/35 0 9633842 286/286 F 149,200.00 T 360 149,089.27 1 7.5000 1043.23 74 7.2500 1043.23 LEHIGH ACRES FL 33936 5 01/19/05 00 0003823957 05 03/01/05 0.0000 0003823957 O 02/01/35 0 9633844 286/286 F 150,000.00 ZZ 360 149,864.39 2 6.5000 948.11 72 6.2500 948.11 DUNELLEN NJ 08812 2 01/07/05 00 0003825642 05 03/01/05 0.0000 0003825642 N 02/01/35 0 9633846 286/286 F 66,400.00 ZZ 360 66,346.90 1 7.1250 447.35 80 6.8750 447.35 EAST CLEVELANDOH 44112 2 01/14/05 00 0003826651 05 03/01/05 0.0000 0003826651 N 02/01/35 0 9633848 286/286 F 102,400.00 ZZ 360 102,302.83 1 6.2500 630.50 80 6.0000 630.50 MCKINNEY TX 75071 1 01/11/05 00 0003827091 03 03/01/05 0.0000 0003827091 N 02/01/35 0 9633852 286/286 F 135,200.00 ZZ 360 135,080.71 1 6.6250 865.71 80 6.3750 865.71 AUSTIN TX 78733 1 01/21/05 00 0003829588 05 03/01/05 0.0000 0003829588 N 02/01/35 0 9633854 286/286 F 308,800.00 ZZ 360 308,506.99 1 6.2500 1901.34 80 6.0000 1901.34 CORPUS CHRISTITX 78418 1 01/21/05 00 0003829798 03 03/01/05 0.0000 0003829798 O 02/01/35 0 9633856 286/286 F 268,000.00 ZZ 360 267,751.77 1 6.3750 1671.98 80 6.1250 1671.98 STOCKTON CA 95206 1 01/13/05 00 0003833062 05 03/01/05 0.0000 0003833062 O 02/01/35 0 9633858 286/286 F 258,800.00 ZZ 360 258,571.66 4 6.6250 1657.13 80 6.3750 1657.13 PHOENIX AZ 85051 1 01/13/05 00 0003833396 05 03/01/05 0.0000 0003833396 N 02/01/35 0 9633862 286/286 F 97,500.00 ZZ 360 97,413.97 1 6.6250 624.31 75 6.3750 624.31 WARRENTON MO 63383 5 01/14/05 00 0003836325 05 03/01/05 0.0000 0003836325 N 02/01/35 0 9633864 286/286 F 81,000.00 ZZ 360 80,933.60 1 7.0000 538.90 74 6.7500 538.90 FARGO ND 58103 2 01/11/05 00 0003836344 05 03/01/05 0.0000 0003836344 N 02/01/35 0 9633866 286/286 F 200,000.00 ZZ 360 199,843.97 1 7.2500 1364.36 56 7.0000 1364.36 RIVERDALE NJ 07457 5 01/14/05 00 0003836786 05 03/01/05 0.0000 0003836786 O 02/01/35 0 9633868 286/286 F 215,050.00 ZZ 360 214,898.21 1 7.7500 1540.65 85 7.5000 1540.65 UNION BEACH NJ 07735 1 01/21/05 14 0003837399 05 03/01/05 25.0000 0003837399 N 02/01/35 0 9633870 286/286 F 400,000.00 ZZ 360 399,717.68 1 7.7500 2865.65 88 7.5000 2865.65 WOODBRIDGE NJ 07095 1 01/13/05 01 0003837402 05 03/01/05 25.0000 0003837402 O 02/01/35 0 9633878 286/286 F 70,200.00 ZZ 360 70,146.58 1 7.3750 484.86 90 7.1250 484.86 NORFOLK VA 23513 1 01/21/05 14 0003849359 05 03/01/05 25.0000 0003849359 N 02/01/35 0 9633992 286/286 F 284,000.00 ZZ 360 283,723.96 1 6.1250 1725.62 80 5.8750 1725.62 TROUTVILLE VA 24175 1 01/14/05 00 0002911552 05 03/01/05 0.0000 0002911552 O 02/01/35 0 9633998 286/286 F 160,000.00 ZZ 360 159,161.73 1 6.7500 1037.76 22 6.5000 1037.76 BEDMINSTER PA 18910 1 08/02/04 00 0003359721 05 10/01/04 0.0000 0003359721 O 09/01/34 0 9634004 286/286 F 263,700.00 ZZ 360 262,090.80 1 6.8750 1732.33 90 6.6250 1732.33 RICHTON PARK IL 60471 1 07/23/04 19 0003485345 05 09/01/04 25.0000 0003485345 N 08/01/34 0 9634008 286/286 F 224,800.00 ZZ 360 224,581.51 1 6.1250 1365.91 80 5.8750 1365.91 LIVINGSTON CA 95334 1 01/13/05 00 0003560450 05 03/01/05 0.0000 0003560450 O 02/01/35 0 9634010 286/286 F 189,000.00 ZZ 360 188,848.86 1 7.1250 1273.33 75 6.8750 1273.33 BALTIMORE MD 21231 1 01/03/05 00 0003579670 01 03/01/05 0.0000 0003579670 N 02/01/35 0 9634012 286/286 F 402,360.00 ZZ 360 402,068.78 1 7.6250 2847.88 80 7.3750 2847.88 RANCHO CORDOVACA 95670 1 01/13/05 00 0003607987 05 03/01/05 0.0000 0003607987 O 02/01/35 0 9634014 286/286 F 173,200.00 ZZ 360 172,654.63 1 7.2500 1181.53 66 7.0000 1181.53 TEMPERANCE MI 48182 5 10/07/04 00 0003620428 05 12/01/04 0.0000 0003620428 O 11/01/34 0 9634016 286/286 F 200,250.00 ZZ 360 199,483.99 4 6.2500 1232.98 90 6.0000 1232.98 SHREVEPORT LA 71106 1 10/28/04 11 0003626602 05 12/01/04 25.0000 0003626602 N 11/01/34 0 9634020 286/286 F 236,000.00 ZZ 360 235,765.06 2 6.0000 1414.94 80 5.7500 1414.94 LONG BEACH CA 90805 1 01/06/05 00 0003633408 05 03/01/05 0.0000 0003633408 N 02/01/35 0 9634024 286/286 F 126,000.00 ZZ 360 125,640.83 4 7.7500 902.68 60 7.5000 902.68 PHOENIX AZ 85007 5 10/22/04 00 0003642389 05 12/01/04 0.0000 0003642389 N 11/01/34 0 9634026 286/286 F 243,000.00 ZZ 360 242,780.32 4 6.5000 1535.93 90 6.2500 1535.93 EAST ORANGE NJ 07018 1 01/12/05 14 0003665519 05 03/01/05 25.0000 0003665519 N 02/01/35 0 9634028 286/286 F 137,538.00 ZZ 360 137,416.64 2 6.6250 880.68 77 6.3750 880.68 ST PAUL MN 55101 2 01/07/05 00 0003676211 05 03/01/05 0.0000 0003676211 N 02/01/35 0 9634032 286/286 F 56,000.00 ZZ 360 55,950.59 1 6.6250 358.58 70 6.3750 358.58 VIRGINIA BEACHVA 23462 5 01/14/05 00 0003682614 07 03/01/05 0.0000 0003682614 N 02/01/35 0 9634034 286/286 F 108,000.00 ZZ 360 107,897.52 1 6.2500 664.98 90 6.0000 664.98 CLEVELAND HEIGOH 44118 1 01/05/05 14 0003686311 05 03/01/05 25.0000 0003686311 N 02/01/35 0 9634036 286/286 F 129,000.00 ZZ 360 128,888.93 1 6.7500 836.70 80 6.5000 836.70 VICTORVILLE CA 92395 1 01/12/05 00 0003688679 05 03/01/05 0.0000 0003688679 N 02/01/35 0 9634038 286/286 F 295,067.00 ZZ 360 294,505.60 1 6.2500 1816.78 80 6.0000 1816.78 ANSONIA CT 06401 1 01/03/05 00 0003692899 05 02/01/05 0.0000 0003692899 O 01/01/35 0 9634042 286/286 F 244,339.00 ZZ 324 243,815.72 1 6.8750 1660.75 74 6.6250 1660.75 WEYMOUTH MA 02191 5 12/30/04 00 0003707864 05 02/01/05 0.0000 0003707864 O 01/01/32 0 9634044 286/286 F 120,800.00 ZZ 360 120,637.91 1 6.1250 734.00 80 5.8750 734.00 CINCINNATI OH 45238 1 01/13/05 00 0003712254 05 03/01/05 0.0000 0003712254 O 02/01/35 0 9634056 286/286 F 100,125.00 TX 360 99,960.38 2 7.0000 666.13 75 6.7500 666.13 BRYAN TX 77802 5 12/31/04 00 0003730944 05 02/01/05 0.0000 0003730944 N 01/01/35 0 9634062 286/286 F 200,000.00 ZZ 360 199,814.76 4 6.3750 1247.74 80 6.1250 1247.74 PHILLIPSBURG NJ 08867 1 01/05/05 00 0003733072 05 03/01/05 0.0000 0003733072 N 02/01/35 0 9634064 286/286 F 173,600.00 ZZ 360 173,427.18 1 6.0000 1040.82 80 5.7500 1040.82 VISALIA CA 93292 1 01/13/05 00 0003735425 03 03/01/05 0.0000 0003735425 O 02/01/35 0 9634066 286/286 F 147,900.00 ZZ 360 147,604.78 1 6.0000 886.74 80 5.7500 886.74 SOUTH HADLEY MA 01075 1 01/03/05 00 0003735684 05 02/01/05 0.0000 0003735684 O 01/01/35 0 9634068 286/286 F 553,000.00 ZZ 360 552,475.29 1 6.2500 3404.92 70 6.0000 3404.92 VIRGINIA BEACHVA 23456 1 01/04/05 00 0003736147 05 03/01/05 0.0000 0003736147 N 02/01/35 0 9634070 286/286 F 201,000.00 ZZ 360 200,580.41 1 6.3750 1253.98 66 6.1250 1253.98 MODESTO CA 95351 5 12/27/04 00 0003741899 05 02/01/05 0.0000 0003741899 O 01/01/35 0 9634072 286/286 F 212,000.00 ZZ 360 211,798.84 1 6.2500 1305.33 80 6.0000 1305.33 LOUISVILLE KY 40204 1 01/06/05 00 0003742244 05 03/01/05 0.0000 0003742244 O 02/01/35 0 9634074 286/286 F 273,600.00 ZZ 360 273,346.59 1 6.3750 1706.91 80 6.1250 1706.91 MANCHESTER MD 21102 1 01/19/05 00 0003744543 05 03/01/05 0.0000 0003744543 O 02/01/35 0 9634082 286/286 F 235,400.00 ZZ 360 235,207.04 1 7.0000 1566.13 72 6.7500 1566.13 ESCONDIDO CA 92026 5 01/13/05 00 0003750420 01 03/01/05 0.0000 0003750420 O 02/01/35 0 9634084 286/286 F 165,150.00 ZZ 360 164,699.64 4 6.5000 1043.87 90 6.2500 1043.87 COLLEGE STATIOTX 77845 1 11/23/04 10 0003750990 05 01/01/05 25.0000 0003750990 N 12/01/34 0 9634088 286/286 F 175,500.00 ZZ 360 175,356.14 3 7.0000 1167.61 90 6.7500 1167.61 E ORANGE NJ 07018 1 01/10/05 12 0003752982 05 03/01/05 25.0000 0003752982 N 02/01/35 0 9634090 286/286 F 182,750.00 ZZ 360 182,579.73 1 6.3750 1140.13 84 6.1250 1140.13 SUFFOLK VA 23432 2 12/30/04 11 0003753019 05 03/01/05 12.0000 0003753019 O 02/01/35 0 9634092 286/286 F 59,600.00 ZZ 360 59,494.53 1 6.6250 381.63 75 6.3750 381.63 MIDDLETOWN OH 45044 5 01/03/05 00 0003753513 01 02/01/05 0.0000 0003753513 N 01/01/35 0 9634100 286/286 F 94,800.00 T 360 94,689.29 1 6.5000 599.21 80 6.2500 599.21 NORTH ADAMS MA 01247 1 01/03/05 00 0003763109 01 03/01/05 0.0000 0003763109 O 02/01/35 0 9634106 286/286 F 220,000.00 ZZ 360 219,780.98 1 6.0000 1319.02 80 5.7500 1319.02 KILL DEVIL HILNC 27948 1 01/18/05 00 0003765998 05 03/01/05 0.0000 0003765998 N 02/01/35 0 9634108 286/286 F 209,300.00 ZZ 360 209,132.11 1 7.1250 1410.10 70 6.8750 1410.10 PAOLI PA 19301 5 01/14/05 00 0003768154 05 03/01/05 0.0000 0003768154 O 02/01/35 0 9634110 286/286 F 148,500.00 ZZ 360 148,392.51 3 7.6250 1051.08 90 7.3750 1051.08 SPRINGFIELD MA 01108 1 01/14/05 11 0003769119 05 03/01/05 25.0000 0003769119 N 02/01/35 0 9634112 286/286 F 71,400.00 ZZ 360 71,335.45 2 6.5000 451.30 85 6.2500 451.30 PORTSMOUTH VA 23702 1 01/21/05 14 0003769146 05 03/01/05 20.0000 0003769146 N 02/01/35 0 9634116 286/286 F 167,200.00 ZZ 360 167,069.57 1 7.2500 1140.60 80 7.0000 1140.60 BROWNSVILLE KY 42210 1 01/04/05 00 0003771091 05 03/01/05 0.0000 0003771091 O 02/01/35 0 9634118 286/286 F 316,440.00 ZZ 360 316,153.93 4 6.5000 2000.12 90 6.2500 2000.12 NORMAL IL 61761 1 01/05/05 14 0003771400 03 03/01/05 25.0000 0003771400 N 02/01/35 0 9634120 286/286 F 243,200.00 ZZ 360 242,932.32 1 6.5000 1537.19 80 6.2500 1537.19 STRASBURG VA 22657 5 01/03/05 00 0003771737 03 03/01/05 0.0000 0003771737 O 02/01/35 0 9634122 286/286 F 65,000.00 ZZ 360 64,948.02 1 7.1250 437.92 55 6.8750 437.92 PEMBROKE PINESFL 33027 5 01/05/05 00 0003773009 01 03/01/05 0.0000 0003773009 O 02/01/35 0 9634124 286/286 F 187,650.00 ZZ 360 187,309.80 1 6.5000 1186.08 90 6.2500 1186.08 MIDDLEBURY CT 06762 1 01/04/05 12 0003774336 05 02/01/05 25.0000 0003774336 N 01/01/35 0 9634126 286/286 F 204,000.00 ZZ 360 203,806.43 1 6.2500 1256.07 80 6.0000 1256.07 MANCHESTER NH 03102 1 01/06/05 00 0003774392 05 03/01/05 0.0000 0003774392 O 02/01/35 0 9634130 286/286 F 107,000.00 ZZ 360 106,898.47 1 6.2500 658.82 76 6.0000 658.82 DAYTON TN 37321 5 01/05/05 00 0003776371 05 03/01/05 0.0000 0003776371 N 02/01/35 0 9634132 286/286 F 76,000.00 ZZ 360 75,934.56 1 6.7500 492.94 80 6.5000 492.94 CHESAPEAKE VA 23323 5 01/07/05 00 0003777418 05 03/01/05 0.0000 0003777418 N 02/01/35 0 9634134 286/286 F 93,600.00 ZZ 360 93,521.36 1 6.8750 614.89 80 6.6250 614.89 DANBURY CT 06811 1 01/12/05 00 0003777930 01 03/01/05 0.0000 0003777930 N 02/01/35 0 9634144 286/286 F 180,000.00 ZZ 360 179,484.93 1 6.2500 1108.30 72 6.0000 1108.30 NAPLES FL 34112 2 11/03/04 00 0003781673 05 01/01/05 0.0000 0003781673 O 12/01/34 0 9634146 286/286 F 118,750.00 ZZ 360 118,642.64 2 6.5000 750.59 90 6.2500 750.59 TORRINGTON CT 06790 1 01/10/05 14 0003782978 05 03/01/05 25.0000 0003782978 N 02/01/35 0 9634148 286/286 F 264,000.00 ZZ 360 263,497.70 1 6.2500 1625.50 80 6.0000 1625.50 GUADALUPE CA 93434 5 12/29/04 00 0003784009 05 02/01/05 0.0000 0003784009 O 01/01/35 0 9634150 286/286 F 108,800.00 ZZ 360 108,708.59 1 6.8750 714.74 80 6.6250 714.74 PORTLAND OR 97206 1 01/10/05 00 0003785653 05 03/01/05 0.0000 0003785653 N 02/01/35 0 9634152 286/286 F 188,000.00 ZZ 360 187,698.41 1 7.1250 1266.60 80 6.8750 1266.60 ROMEOVILLE IL 60446 5 12/30/04 00 0003785892 05 02/01/05 0.0000 0003785892 O 01/01/35 0 9634160 286/286 F 259,900.00 ZZ 360 259,681.65 1 6.8750 1707.36 77 6.6250 1707.36 SUFFOLK VA 23434 1 01/07/05 00 0003788762 05 03/01/05 0.0000 0003788762 O 02/01/35 0 9634162 286/286 F 248,000.00 ZZ 360 247,801.67 1 7.1250 1670.83 80 6.8750 1670.83 TUCSON AZ 85741 1 01/10/05 00 0003788898 05 03/01/05 0.0000 0003788898 O 02/01/35 0 9634164 286/286 F 146,250.00 ZZ 360 146,146.77 1 7.7500 1047.76 65 7.5000 1047.76 FT LAUDERDALE FL 33312 1 01/07/05 00 0003790343 05 03/01/05 0.0000 0003790343 N 02/01/35 0 9634166 286/286 F 82,000.00 ZZ 360 81,922.19 1 6.2500 504.89 52 6.0000 504.89 BALTIMORE MD 21224 5 01/13/05 00 0003791711 07 03/01/05 0.0000 0003791711 N 02/01/35 0 9634178 286/286 F 105,600.00 ZZ 360 105,426.38 1 7.0000 702.56 80 6.7500 702.56 FARGO ND 58103 2 12/30/04 00 0003792434 05 02/01/05 0.0000 0003792434 N 01/01/35 0 9634180 286/286 F 444,000.00 TX 360 443,113.77 1 6.0000 2662.01 78 5.7500 2662.01 DALLAS TX 75240 5 12/16/04 00 0003793022 05 02/01/05 0.0000 0003793022 N 01/01/35 0 9634186 286/286 F 266,400.00 ZZ 360 266,147.22 1 6.2500 1640.28 80 6.0000 1640.28 PEORIA AZ 85382 5 01/11/05 00 0003794624 03 03/01/05 0.0000 0003794624 O 02/01/35 0 9634188 286/286 F 387,500.00 ZZ 360 387,132.32 1 6.2500 2385.91 48 6.0000 2385.91 HILTON HEAD ISSC 29928 5 01/14/05 00 0003794837 03 03/01/05 0.0000 0003794837 N 02/01/35 0 9635306 286/286 F 216,000.00 ZZ 360 215,804.73 1 6.5000 1365.27 80 6.2500 1365.27 MAYS LANDING NJ 08330 1 01/21/05 00 0003785837 05 03/01/05 0.0000 0003785837 O 02/01/35 0 9635308 286/286 F 153,600.00 ZZ 360 153,293.42 1 6.0000 920.91 80 5.7500 920.91 DALLAS TX 75238 1 12/23/04 00 0003786874 05 02/01/05 0.0000 0003786874 O 01/01/35 0 9635318 286/286 F 160,000.00 ZZ 360 159,688.18 1 6.1250 972.18 80 5.8750 972.18 MANSFIELD TX 76063 1 12/22/04 00 0003789749 05 02/01/05 0.0000 0003789749 O 01/01/35 0 9635328 286/286 F 150,752.00 ZZ 360 150,451.09 1 6.0000 903.84 80 5.7500 903.84 LOGANVILLE GA 30052 1 12/16/04 00 0003792853 05 02/01/05 0.0000 0003792853 O 01/01/35 0 9635330 286/286 F 144,000.00 ZZ 360 143,712.56 1 6.0000 863.35 80 5.7500 863.35 LUBBOCK TX 79423 1 12/15/04 00 0003793425 05 02/01/05 0.0000 0003793425 O 01/01/35 0 9635332 286/286 F 122,050.00 ZZ 360 121,931.37 1 6.1250 741.59 80 5.8750 741.59 BATTLE GROUND WA 98604 1 01/04/05 00 0003793642 05 03/01/05 0.0000 0003793642 O 02/01/35 0 9635336 286/286 F 122,300.00 ZZ 360 122,078.24 1 6.0000 733.26 80 5.7500 733.26 ALLENDALE MI 49401 1 01/19/05 00 0003794639 05 03/01/05 0.0000 0003794639 O 02/01/35 0 9635354 286/286 F 176,320.00 ZZ 360 176,144.47 1 6.0000 1057.13 80 5.7500 1057.13 NORFOLK VA 23503 1 01/04/05 00 0003801066 05 03/01/05 0.0000 0003801066 O 02/01/35 0 9635362 286/286 F 350,400.00 ZZ 360 350,075.45 1 6.3750 2186.05 80 6.1250 2186.05 LA MIRADA CA 90638 1 01/12/05 00 0003801961 05 03/01/05 0.0000 0003801961 O 02/01/35 0 9635368 286/286 F 275,200.00 ZZ 360 274,938.87 1 6.2500 1694.46 80 6.0000 1694.46 DOWNERS GROVE IL 60516 1 01/20/05 00 0003803135 05 03/01/05 0.0000 0003803135 O 02/01/35 0 9635380 286/286 F 137,400.00 ZZ 360 137,222.02 1 6.0000 823.79 80 5.7500 823.79 WEST VALLEY CIUT 84128 1 01/06/05 00 0003805272 05 03/01/05 0.0000 0003805272 O 02/01/35 0 9635388 286/286 F 279,200.00 ZZ 360 278,922.05 1 6.0000 1673.95 80 5.7500 1673.95 WINDSOR MILL MD 21244 1 01/21/05 00 0003806503 03 03/01/05 0.0000 0003806503 O 02/01/35 0 9635390 286/286 F 71,200.00 ZZ 360 71,132.43 1 6.2500 438.40 80 6.0000 438.40 EL CENTRO CA 92243 1 01/04/05 00 0003808039 01 03/01/05 0.0000 0003808039 O 02/01/35 0 9635398 286/286 F 200,000.00 ZZ 360 199,800.89 1 6.0000 1199.11 80 5.7500 1199.11 NORTH AUGUSTA SC 29860 1 01/14/05 00 0003810523 03 03/01/05 0.0000 0003810523 O 02/01/35 0 9635404 286/286 F 146,000.00 ZZ 360 145,854.65 1 6.0000 875.35 80 5.7500 875.35 ALBUQUERQUE NM 87120 1 01/19/05 00 0003811199 05 03/01/05 0.0000 0003811199 O 02/01/35 0 9635406 286/286 F 168,000.00 ZZ 360 167,840.59 1 6.2500 1034.41 80 6.0000 1034.41 ANNAPOLIS MD 21403 1 01/14/05 00 0003811472 01 03/01/05 0.0000 0003811472 O 02/01/35 0 9635408 286/286 F 105,600.00 ZZ 360 105,502.19 1 6.3750 658.81 80 6.1250 658.81 KANSAS CITY MO 64105 1 01/14/05 00 0003812224 08 03/01/05 0.0000 0003812224 O 02/01/35 0 9635436 286/286 F 148,000.00 ZZ 360 147,859.56 1 6.2500 911.27 80 6.0000 911.27 TALLAHASSEE FL 32312 1 01/21/05 00 0003824332 03 03/01/05 0.0000 0003824332 O 02/01/35 0 9635442 286/286 F 158,600.00 ZZ 360 158,445.84 1 6.1250 963.68 80 5.8750 963.68 HERRIMAN UT 84065 1 01/19/05 00 0003826556 05 03/01/05 0.0000 0003826556 O 02/01/35 0 9635450 286/286 F 140,050.00 ZZ 360 139,910.57 1 6.0000 839.68 80 5.7500 839.68 TOMBALL TX 77377 1 01/21/05 00 0003828055 03 03/01/05 0.0000 0003828055 O 02/01/35 0 9635454 286/286 F 173,600.00 ZZ 360 173,439.21 1 6.3750 1083.04 80 6.1250 1083.04 HOUSTON TX 77035 1 01/14/05 00 0003833167 03 03/01/05 0.0000 0003833167 O 02/01/35 0 9635458 286/286 F 148,000.00 ZZ 360 147,859.56 1 6.2500 911.27 80 6.0000 911.27 NOTTINGHAM PA 19362 1 01/21/05 00 0003836687 05 03/01/05 0.0000 0003836687 O 02/01/35 0 9635538 286/286 F 276,000.00 ZZ 360 275,725.24 1 6.0000 1654.76 80 5.7500 1654.76 XENIA OH 45385 1 01/14/05 00 0003315549 05 03/01/05 0.0000 0003315549 O 02/01/35 0 9635548 286/286 F 125,600.00 ZZ 360 125,477.92 1 6.1250 763.16 80 5.8750 763.16 MARENGO OH 43334 1 01/14/05 00 0003644868 05 03/01/05 0.0000 0003644868 O 02/01/35 0 9635550 286/286 F 154,593.00 ZZ 360 154,150.64 1 6.2500 951.86 80 6.0000 951.86 FRISCO TX 75034 1 11/12/04 00 0003652586 03 01/01/05 0.0000 0003652586 O 12/01/34 0 9635560 286/286 F 133,520.00 ZZ 360 132,797.04 1 6.0000 800.52 80 5.7500 800.52 CHRISTIANSBURGVA 24073 1 11/10/04 00 0003694437 05 01/01/05 0.0000 0003694437 O 12/01/34 0 9635562 286/286 F 156,396.00 ZZ 360 155,817.81 1 6.2500 962.96 80 6.0000 962.96 TUCSON AZ 85739 1 11/23/04 00 0003694801 03 01/01/05 0.0000 0003694801 O 12/01/34 0 9635566 286/286 F 230,362.00 ZZ 360 229,913.05 1 6.1250 1399.71 80 5.8750 1399.71 ATLANTA GA 30331 1 12/15/04 00 0003702831 05 02/01/05 0.0000 0003702831 O 01/01/35 0 9635572 286/286 F 160,688.00 ZZ 360 160,374.84 1 6.1250 976.36 80 5.8750 976.36 ATLANTA GA 30331 1 12/09/04 00 0003709620 03 02/01/05 0.0000 0003709620 O 01/01/35 0 9635574 286/286 F 125,771.00 ZZ 360 125,402.40 1 6.1250 764.20 80 5.8750 764.20 MANFIELD TX 76063 1 11/12/04 00 0003710021 05 01/01/05 0.0000 0003710021 O 12/01/34 0 9635580 286/286 F 134,393.00 ZZ 360 134,131.08 1 6.1250 816.59 80 5.8750 816.59 TUSCON AZ 85739 1 12/03/04 00 0003721904 03 02/01/05 0.0000 0003721904 O 01/01/35 0 9635586 286/286 F 220,000.00 ZZ 360 219,560.86 1 6.0000 1319.02 80 5.7500 1319.02 LITTLETON CO 80130 1 01/05/05 00 0003727466 03 02/01/05 0.0000 0003727466 O 01/01/35 0 9635600 286/286 F 117,660.00 ZZ 360 117,306.82 1 6.0000 705.44 80 5.7500 705.44 CYPRESS TX 77433 1 11/24/04 00 0003731893 05 01/01/05 0.0000 0003731893 O 12/01/34 0 9635608 286/286 F 144,472.00 ZZ 360 144,328.17 1 6.0000 866.19 80 5.7500 866.19 CORVALLIS OR 97333 1 01/06/05 00 0003738383 03 03/01/05 0.0000 0003738383 O 02/01/35 0 9635618 286/286 F 181,600.00 ZZ 360 181,423.49 1 6.1250 1103.43 80 5.8750 1103.43 MECHANICSVILLEVA 23111 1 01/18/05 00 0003742219 05 03/01/05 0.0000 0003742219 O 02/01/35 0 9635624 286/286 F 74,000.00 ZZ 360 73,865.82 1 6.5000 467.74 80 6.2500 467.74 OKLAHOMA CITY OK 73116 1 12/17/04 00 0003747554 05 02/01/05 0.0000 0003747554 O 01/01/35 0 9635628 286/286 F 148,800.00 ZZ 360 148,510.01 1 6.1250 904.13 80 5.8750 904.13 ELGIN IL 60123 1 12/17/04 00 0003750578 05 02/01/05 0.0000 0003750578 O 01/01/35 0 9635630 286/286 F 206,000.00 ZZ 360 205,410.56 1 6.2500 1268.38 80 6.0000 1268.38 GILBERT AZ 85234 2 11/18/04 00 0003751445 05 01/01/05 0.0000 0003751445 O 12/01/34 0 9635632 286/286 F 177,500.00 ZZ 360 177,170.33 1 6.3750 1107.37 80 6.1250 1107.37 HOUSTON TX 77003 1 12/01/04 00 0003753606 07 02/01/05 0.0000 0003753606 O 01/01/35 0 9635634 286/286 F 137,625.00 ZZ 360 137,363.14 1 6.2500 847.39 80 6.0000 847.39 SACHSE TX 75048 1 12/01/04 00 0003754067 03 02/01/05 0.0000 0003754067 O 01/01/35 0 9635640 286/286 F 148,000.00 ZZ 360 147,538.59 1 6.0000 887.34 80 5.7500 887.34 COLORADO SPRINCO 80905 1 11/30/04 00 0003755091 05 01/01/05 0.0000 0003755091 O 12/01/34 0 9635642 286/286 F 240,000.00 ZZ 360 239,761.07 1 6.0000 1438.93 80 5.7500 1438.93 LANSDALE PA 19446 1 01/11/05 00 0003755166 05 03/01/05 0.0000 0003755166 O 02/01/35 0 9635656 286/286 F 133,156.00 ZZ 360 132,890.20 1 6.0000 798.34 80 5.7500 798.34 MYRTLE BEACH SC 29579 1 12/10/04 00 0003760744 03 02/01/05 0.0000 0003760744 O 01/01/35 0 9635658 286/286 F 128,196.00 ZZ 360 128,071.39 1 6.1250 778.94 80 5.8750 778.94 FISHERS IN 46038 1 01/13/05 00 0003761553 01 03/01/05 0.0000 0003761553 O 02/01/35 0 9635664 286/286 F 223,600.00 ZZ 360 223,164.23 1 6.1250 1358.62 80 5.8750 1358.62 EL PASO TX 79902 1 12/21/04 00 0003765045 05 02/01/05 0.0000 0003765045 O 01/01/35 0 9635666 286/286 F 224,000.00 ZZ 360 223,566.44 1 6.2500 1379.21 80 6.0000 1379.21 NORTHUMBERLANDPA 17857 1 01/05/05 00 0003765556 05 02/01/05 0.0000 0003765556 O 01/01/35 0 9635668 286/286 F 143,600.00 ZZ 360 143,460.43 1 6.1250 872.53 80 5.8750 872.53 HARRISON TWP MI 48045 1 01/20/05 00 0003765684 05 03/01/05 0.0000 0003765684 O 02/01/35 0 9635672 286/286 F 220,000.00 ZZ 360 219,355.26 1 6.1250 1336.75 80 5.8750 1336.75 S JORDAN UT 84095 1 12/01/04 00 0003767040 01 01/01/05 0.0000 0003767040 O 12/01/34 0 9635686 286/286 F 143,200.00 ZZ 360 142,927.54 1 6.2500 881.71 80 6.0000 881.71 FORT WORTH TX 76137 1 12/27/04 00 0003775062 03 02/01/05 0.0000 0003775062 O 01/01/35 0 9635692 286/286 F 179,800.00 ZZ 360 179,273.05 1 6.1250 1092.49 80 5.8750 1092.49 CANBY OR 97013 1 11/23/04 00 0003775576 05 01/01/05 0.0000 0003775576 O 12/01/34 0 9635696 286/286 F 99,999.00 ZZ 360 99,771.24 1 6.0000 599.55 80 5.7500 599.55 ROBSTOWN TX 78380 1 12/23/04 00 0003776235 05 02/01/05 0.0000 0003776235 O 01/01/35 0 9635700 286/286 F 144,000.00 ZZ 360 143,866.62 1 6.3750 898.38 80 6.1250 898.38 CHICOPEE MA 01022 1 01/18/05 00 0003777725 01 03/01/05 0.0000 0003777725 O 02/01/35 0 9635712 286/286 F 143,920.00 ZZ 360 143,646.15 1 6.2500 886.15 80 6.0000 886.15 CANTON GA 30115 1 12/16/04 00 0003781326 03 02/01/05 0.0000 0003781326 O 01/01/35 0 9635718 286/286 F 132,800.00 ZZ 360 132,410.78 1 6.1250 806.91 80 5.8750 806.91 COOS BAY OR 97420 1 11/30/04 00 0003783543 05 01/01/05 0.0000 0003783543 O 12/01/34 0 9635740 Y21/G02 F 916,000.00 ZZ 360 916,000.00 1 6.7500 5152.50 80 6.5000 5152.50 ENGLEWOOD NJ 07631 1 01/13/05 00 0438893992 05 03/01/05 0.0000 204729190 O 02/01/35 0 9635744 Y21/G02 F 333,700.00 ZZ 360 333,700.00 1 6.2500 1738.02 78 6.0000 1738.02 HAMPTON BAYS NY 11946 1 01/11/05 00 0438895807 05 03/01/05 0.0000 204816793 O 02/01/35 0 9635746 Y21/G02 F 490,000.00 ZZ 360 489,523.74 1 6.1250 2977.30 66 5.8750 2977.30 MELVILLE NY 11747 5 01/11/05 00 0438894404 05 03/01/05 0.0000 204853796 O 02/01/35 0 9635748 Y21/G02 F 203,000.00 ZZ 300 202,712.66 1 6.1250 1323.49 58 5.8750 1323.49 CLIFTON NJ 07013 2 01/07/05 00 0438895997 05 03/01/05 0.0000 204860113 O 02/01/30 0 9635758 Y21/G02 F 160,000.00 ZZ 360 159,840.71 1 6.0000 959.29 80 5.7500 959.29 BEAVERTON OR 97007 1 01/11/05 00 0438895914 05 03/01/05 0.0000 204911770 O 02/01/35 0 9635770 Y21/G02 F 188,900.00 ZZ 360 188,733.34 1 6.6250 1209.55 84 6.3750 1209.55 ALACHUA FL 32615 5 01/10/05 04 0438895963 03 03/01/05 25.0000 204934419 O 02/01/35 0 9635772 Y21/G02 F 317,000.00 ZZ 360 316,727.07 1 6.7500 2056.06 80 6.5000 2056.06 MERRIMACK NH 03054 5 01/04/05 00 0438896490 05 03/01/05 0.0000 204941407 O 02/01/35 0 9635776 Y21/G02 F 124,000.00 ZZ 360 123,882.34 2 6.2500 763.49 80 6.0000 763.49 PHILADELPHIA PA 19111 1 01/13/05 00 0438894503 05 03/01/05 0.0000 205000312 O 02/01/35 0 9635904 F28/G02 F 440,000.00 ZZ 360 437,797.61 1 6.5000 2781.10 80 6.2500 2781.10 MELBOURNE FL 32904 1 09/30/04 00 0438909236 05 11/01/04 0.0000 1774253 O 10/01/34 0 9635909 286/286 F 112,500.00 ZZ 360 111,902.91 1 6.8750 739.05 100 6.6250 739.05 KANKAKEE IL 60901 2 08/09/04 12 3482800 05 10/01/04 35.0000 3482800 O 09/01/34 0 9635916 F28/G02 F 438,950.00 TX 360 437,038.94 1 6.7500 2847.03 79 6.5000 2847.03 KATY TX 77450 2 09/17/04 00 0438910846 03 11/01/04 0.0000 1977526 O 10/01/34 0 9635918 F28/G02 F 562,500.00 ZZ 360 560,348.37 1 6.2500 3463.41 75 6.0000 3463.41 MEDWAY MA 02053 5 10/08/04 00 0438908428 05 12/01/04 0.0000 1982409 O 11/01/34 0 9635920 F28/G02 F 412,000.00 ZZ 360 410,117.40 1 6.5000 2604.13 80 6.2500 2604.13 MIAMI BEACH FL 33141 1 10/01/04 00 0438908964 05 11/01/04 0.0000 1993283 O 10/01/34 0 9635930 F28/G02 F 399,000.00 ZZ 360 397,545.44 1 6.5000 2521.95 70 6.2500 2521.95 FLAGSTAFF AZ 86004 1 10/12/04 00 0438909327 05 12/01/04 0.0000 2191471 O 11/01/34 0 9635954 F28/G02 F 223,300.00 ZZ 360 222,688.32 1 6.5000 1411.41 66 6.2500 1411.41 HUBBARDSTON MA 01452 5 11/19/04 00 0438905721 05 01/01/05 0.0000 2479348 O 12/01/34 0 9635958 F28/G02 F 427,000.00 ZZ 360 425,748.57 1 6.1250 2594.50 80 5.8750 2594.50 NORTH BRANFORDCT 06472 5 11/16/04 00 0438908618 05 01/01/05 0.0000 2498670 O 12/01/34 0 9635968 F28/G02 F 296,000.00 ZZ 360 295,231.14 1 6.7500 1919.85 80 6.5000 1919.85 CAVE CREEK AZ 85331 5 11/04/04 00 0438910598 05 01/01/05 0.0000 2549763 O 12/01/34 0 9635974 F28/G02 F 500,000.00 ZZ 360 498,646.62 1 6.2500 3078.59 77 6.0000 3078.59 FORT WALTON BEFL 32547 1 12/13/04 00 0438909269 05 02/01/05 0.0000 2630066 O 01/01/35 0 9635980 F28/G02 F 372,000.00 ZZ 360 371,341.77 1 6.6250 2381.96 80 6.3750 2381.96 GOLDEN CO 80403 1 12/13/04 00 0438897977 03 02/01/05 0.0000 2939715 O 01/01/35 0 9635982 F28/G02 F 434,000.00 ZZ 360 433,213.18 1 6.5000 2743.18 67 6.2500 2743.18 WAYNE NJ 07470 5 12/13/04 00 0438909079 05 02/01/05 0.0000 3003980 O 01/01/35 0 9636003 286/286 F 320,000.00 ZZ 360 318,572.24 1 6.6250 2049.00 89 6.3750 2049.00 ASHBURN VA 20147 2 10/05/04 11 3604182 09 11/01/04 25.0000 3604182 O 10/01/34 0 9636449 286/286 F 280,000.00 ZZ 360 278,657.70 3 6.2500 1724.01 80 6.0000 1724.01 LOUISVILLE KY 40206 2 09/23/04 00 3560536 05 11/01/04 0.0000 3560536 O 10/01/34 0 9638602 E23/G02 F 185,000.00 ZZ 360 184,820.19 1 6.1250 1124.08 89 5.8750 1124.08 ALBUQUERQUE NM 87114 2 01/19/05 04 0438918260 05 03/01/05 25.0000 75001196 O 02/01/35 0 9639036 E23/G02 F 444,000.00 ZZ 360 443,568.46 1 6.1250 2697.79 80 5.8750 2697.79 LOS ANGELES CA 91401 5 01/20/05 00 0438907958 05 03/01/05 0.0000 91003778 O 02/01/35 0 9640533 E82/G02 F 119,700.00 ZZ 360 119,231.06 1 6.1250 727.31 70 5.8750 727.31 ELLENSBURG WA 98926 5 10/20/04 00 0401033709 05 12/01/04 0.0000 0401033709 O 11/01/34 0 9645530 X78/G02 F 139,920.00 ZZ 360 139,920.00 1 6.5000 884.39 80 6.2500 884.39 TUCKER GA 30084 1 02/07/05 00 0438923419 05 04/01/05 0.0000 991265 O 03/01/35 0 9649982 Y21/G02 F 131,199.00 ZZ 360 130,867.39 1 6.0000 786.61 80 5.7500 786.61 ST. AUGUSTA MN 56301 1 01/21/05 00 0438979338 05 03/01/05 0.0000 204614902 O 02/01/35 0 9649990 Y21/G02 F 816,000.00 ZZ 360 815,187.66 1 6.0000 4892.34 80 5.7500 4892.34 PORT WASHINGTONY 11050 1 02/04/05 00 0438977712 05 03/01/05 0.0000 204778409 O 02/01/35 0 9650000 Y21/G02 F 104,000.00 ZZ 360 103,910.45 3 6.7500 674.55 58 6.5000 674.55 TUCSON AZ 85701 5 01/28/05 00 0438978397 05 03/01/05 0.0000 204862621 N 02/01/35 0 9650004 Y21/G02 F 209,600.00 ZZ 360 209,391.34 1 6.0000 1256.66 80 5.7500 1256.66 CENTENNIAL CO 80015 2 01/24/05 00 0438976946 03 03/01/05 0.0000 204889464 O 02/01/35 0 9650014 Y21/G02 F 291,000.00 ZZ 360 290,710.30 1 6.0000 1744.70 68 5.7500 1744.70 OCEANSIDE CA 92057 5 01/10/05 00 0438973133 03 03/01/05 0.0000 204911320 O 02/01/35 0 9650018 Y21/G02 F 176,000.00 ZZ 360 175,824.79 1 6.0000 1055.21 55 5.7500 1055.21 PACOIMA AREA CA 91331 5 01/13/05 00 0438975682 05 03/01/05 0.0000 204921490 O 02/01/35 0 9650024 Y21/G02 F 168,530.00 ZZ 360 168,530.00 1 6.5000 912.87 95 6.2500 912.87 CHALFONT PA 18914 1 01/18/05 12 0438975054 01 03/01/05 30.0000 204934958 O 02/01/35 0 9650032 Y21/G02 F 297,302.00 ZZ 360 297,052.22 1 6.8750 1953.07 95 6.6250 1953.07 YUBA CITY CA 95993 1 01/18/05 10 0438980237 05 03/01/05 30.0000 204938821 O 02/01/35 0 9650036 Y21/G02 F 384,000.00 ZZ 360 383,617.72 1 6.0000 2302.28 80 5.7500 2302.28 FOUNTAIN HILLSAZ 85268 1 01/18/05 00 0438976425 05 03/01/05 0.0000 204941351 O 02/01/35 0 9650040 Y21/G02 F 188,000.00 ZZ 360 187,812.84 1 6.0000 1127.16 80 5.7500 1127.16 ABINGDON MD 21009 1 01/20/05 00 0438979544 09 03/01/05 0.0000 204943051 O 02/01/35 0 9650048 Y21/G02 F 123,920.00 ZZ 360 123,796.63 1 6.0000 742.97 80 5.7500 742.97 SALEM OR 97301 1 01/20/05 00 0438977563 05 03/01/05 0.0000 204946549 O 02/01/35 0 9650054 Y21/G02 F 434,900.00 ZZ 360 434,477.30 1 6.1250 2642.50 67 5.8750 2642.50 OAKLAND CA 94611 1 01/14/05 00 0438976367 05 03/01/05 0.0000 205005616 O 02/01/35 0 9650056 Y21/G02 F 171,000.00 ZZ 360 170,833.79 1 6.1250 1039.02 80 5.8750 1039.02 BERKELEY IL 60163 2 01/21/05 00 0438977753 05 03/01/05 0.0000 205007414 O 02/01/35 0 9650066 Y21/G02 F 512,400.00 ZZ 360 511,889.90 1 6.0000 3072.10 70 5.7500 3072.10 MURFREESBORO TN 37129 5 01/31/05 00 0438978314 05 03/01/05 0.0000 205014275 O 02/01/35 0 9650076 Y21/G02 F 148,000.00 ZZ 360 147,856.15 1 6.1250 899.27 80 5.8750 899.27 DES PLAINES IL 60018 1 01/28/05 00 0438974248 01 03/01/05 0.0000 205021417 O 02/01/35 0 9650080 Y21/G02 F 220,000.00 ZZ 360 219,791.25 1 6.2500 1354.58 80 6.0000 1354.58 TINLEY PARK IL 60477 2 01/27/05 00 0438978371 05 03/01/05 0.0000 205023541 O 02/01/35 0 9650082 Y21/G02 F 128,000.00 ZZ 360 127,875.58 1 6.1250 777.75 80 5.8750 777.75 TALLAHASSEE FL 32312 1 01/26/05 00 0438976755 03 03/01/05 0.0000 205023975 O 02/01/35 0 9650084 Y21/G02 F 128,800.00 ZZ 360 128,689.10 3 6.7500 835.40 80 6.5000 835.40 TALLAHASSEE FL 32309 1 01/27/05 00 0438976805 05 03/01/05 0.0000 205024173 N 02/01/35 0 9650086 Y21/G02 F 196,800.00 ZZ 360 196,604.08 1 6.0000 1179.92 80 5.7500 1179.92 PORTLAND OR 97202 1 01/28/05 00 0438976334 05 03/01/05 0.0000 205027059 O 02/01/35 0 9650098 Y21/G02 F 280,000.00 ZZ 360 279,740.66 1 6.3750 1746.84 80 6.1250 1746.84 GREENCASTLE PA 17225 1 01/31/05 00 0438979478 05 03/01/05 0.0000 205037119 O 02/01/35 0 9650100 Y21/G02 F 412,000.00 ZZ 360 412,000.00 1 6.3750 2570.35 80 6.1250 2570.35 COCKEYSVILLE MD 21030 5 01/31/05 00 0438973950 05 04/01/05 0.0000 205041272 O 03/01/35 0 9650106 Y21/G02 F 470,000.00 ZZ 360 469,532.11 1 6.0000 2817.89 68 5.7500 2817.89 SAN FRANCISCO CA 94112 2 01/27/05 00 0438978421 05 03/01/05 0.0000 205046541 O 02/01/35 0 9650108 Y21/G02 F 194,400.00 ZZ 360 194,376.43 1 6.3750 1032.75 80 6.1250 1032.75 SUGAR GROVE IL 60554 1 01/31/05 00 0438976607 05 03/01/05 0.0000 205049460 O 02/01/35 0 9653574 E23/G02 F 125,000.00 ZZ 360 125,000.00 1 6.6250 800.39 79 6.3750 800.39 WEST JORDAN UT 84088 2 02/09/05 00 0438969099 05 04/01/05 0.0000 42007167 N 03/01/35 0 9655465 E22/G02 F 111,200.00 ZZ 360 110,885.16 2 6.6250 712.03 80 6.3750 712.03 COLLEGE PLACE WA 99324 1 11/01/04 00 0422019117 05 01/01/05 0.0000 0422019117 O 12/01/34 0 9655965 624/G02 F 366,950.00 ZZ 360 365,612.29 1 6.5000 2319.37 90 6.2500 2319.37 SEATTLE WA 98112 1 10/08/04 11 0438596272 05 12/01/04 25.0000 1000066733 O 11/01/34 0 9656183 624/G02 F 184,500.00 ZZ 360 183,774.00 1 6.2500 1136.00 47 6.0000 1136.00 ESCONDIDO CA 92025 5 10/15/04 00 0438609554 05 12/01/04 0.0000 1000066473 O 11/01/34 0 9657152 E23/G02 F 160,000.00 ZZ 360 160,000.00 1 6.5000 1011.31 80 6.2500 1011.31 PANAMA CITY BEFL 32407 1 02/04/05 00 0438984692 09 04/01/05 0.0000 51049184 N 03/01/35 0 9664590 E23/G02 F 148,750.00 ZZ 360 148,750.00 1 6.5000 940.20 85 6.2500 940.20 MOHAVE VALLEY AZ 86440 1 02/14/05 04 0438988073 05 04/01/05 12.0000 42007310 O 03/01/35 0 9674679 E22/G02 F 217,800.00 ZZ 360 217,206.12 1 6.5000 1376.64 90 6.2500 1376.64 BRONX NY 10466 1 11/15/04 01 0421002387 07 01/01/05 25.0000 0421002387 O 12/01/34 0 9678463 E22/G02 F 120,000.00 ZZ 360 119,648.33 1 6.1250 729.13 60 5.8750 729.13 LEBANON OH 45036 5 11/10/04 00 0422290643 05 01/01/05 0.0000 0422290643 O 12/01/34 0 9684273 575/G02 F 135,800.00 ZZ 360 135,292.85 1 6.3750 847.22 80 6.1250 847.22 BALTIMORE MD 21230 1 10/22/04 00 0438660383 02 12/01/04 0.0000 0017339235 N 11/01/34 0 9688047 286/286 F 161,500.00 ZZ 360 160,896.89 1 6.3750 1007.55 95 6.1250 1007.55 HONOLULU HI 96813 1 10/20/04 12 3627920 06 12/01/04 30.0000 3627920 O 11/01/34 0 9688503 286/286 F 280,800.00 ZZ 360 279,824.73 2 6.7500 1821.27 90 6.5000 1821.27 CHICAGO IL 60630 1 10/29/04 12 3652282 05 12/01/04 25.0000 3652282 O 11/01/34 0 9692049 313/G02 F 166,500.00 ZZ 360 166,126.96 4 7.5000 1164.20 90 7.2500 1164.20 MILWAUKEE WI 53218 1 11/12/04 10 0438660656 05 01/01/05 25.0000 10394237 N 12/01/34 0 9692055 313/G02 F 183,000.00 ZZ 360 182,332.84 1 6.5000 1156.69 75 6.2500 1156.69 DECATUR GA 30030 5 11/10/04 00 0438661647 05 12/01/04 0.0000 10422517 O 11/01/34 0 9703821 E22/G02 F 126,000.00 TX 360 125,595.97 1 6.1250 765.59 76 5.8750 765.59 MANVEL TX 77578 5 11/24/04 00 0422427906 05 01/01/05 0.0000 0422427906 O 12/01/34 0 9712257 944/U57 F 497,000.00 ZZ 360 495,186.43 1 6.0000 2979.77 75 5.7500 2979.77 CANYON LAKE CA 92587 5 10/20/04 00 0438699449 03 12/01/04 0.0000 W01783872 O 11/01/34 0 9712271 944/G02 F 435,000.00 ZZ 360 433,694.33 1 6.0000 2608.04 80 5.7500 2608.04 OCEANSIDE CA 92056 5 11/09/04 00 0438694937 05 01/01/05 0.0000 01788122 O 12/01/34 0 9712277 944/G02 F 560,000.00 ZZ 360 557,753.30 1 6.0000 3357.48 80 5.7500 3357.48 STOCKTON CA 95212 5 10/13/04 00 0438699944 05 12/01/04 0.0000 01785433 O 11/01/34 0 9712839 E22/G02 F 158,650.00 ZZ 360 158,348.14 1 6.2500 976.84 73 6.0000 976.84 GRANTS PASS OR 97527 5 12/01/04 00 0422251660 05 02/01/05 0.0000 0422251660 O 01/01/35 0 9713077 E22/G02 F 152,500.00 ZZ 360 152,100.63 2 6.7500 989.11 77 6.5000 989.11 LEHIGH ACRES FL 33971 2 12/08/04 00 0422683953 05 01/01/05 0.0000 0422683953 N 12/01/34 0 9713183 E22/G02 F 164,500.00 ZZ 360 164,148.65 1 6.3750 1026.27 47 6.1250 1026.27 WEST PALM BEACFL 33401 2 12/03/04 00 0422570101 05 02/01/05 0.0000 0422570101 O 01/01/35 0 9713251 E22/G02 F 158,500.00 ZZ 360 158,212.65 1 6.5000 1001.83 78 6.2500 1001.83 MC KINNEY TX 75070 2 12/03/04 00 0422536508 03 02/01/05 0.0000 0422536508 O 01/01/35 0 9714393 X05/U57 F 975,000.00 ZZ 360 972,073.56 1 6.0000 5845.62 74 5.7500 5845.62 VENTURA CA 93001 1 11/24/04 00 0438741464 05 01/01/05 0.0000 07411095 O 12/01/34 0 9718115 Y86/G02 F 157,500.00 ZZ 360 157,200.32 1 6.2500 969.76 70 6.0000 969.76 SMITHVILLE MO 64089 2 12/07/04 00 0438734311 05 02/01/05 0.0000 10001025 O 01/01/35 0 9718219 Y65/G02 F 448,000.00 ZZ 360 446,687.02 1 6.1250 2722.10 80 5.8750 2722.10 RANCHO CUCAMONCA 91737 5 11/02/04 00 0438765489 05 01/01/05 0.0000 40216951 O 12/01/34 0 9718259 Y65/G02 F 171,300.00 ZZ 360 170,821.49 1 6.3750 1068.69 67 6.1250 1068.69 VICTORVILLE CA 92395 5 11/04/04 00 0438784415 05 01/01/05 0.0000 40212561 O 12/01/34 0 9718369 Y65/G02 F 162,500.00 ZZ 360 162,012.26 1 6.0000 974.27 78 5.7500 974.27 SPANAWAY WA 98387 2 11/12/04 00 0438770950 05 01/01/05 0.0000 40201034 O 12/01/34 0 9718603 E22/G02 F 132,000.00 TX 360 131,742.75 1 6.1250 802.05 80 5.8750 802.05 LLANO TX 78643 5 12/06/04 00 0422408625 05 02/01/05 0.0000 0422408625 O 01/01/35 0 9718795 E22/G02 F 306,000.00 ZZ 360 305,471.60 3 6.7500 1984.71 90 6.5000 1984.71 NASHUA NH 03104 1 12/10/04 10 0422679910 05 02/01/05 25.0000 0422679910 O 01/01/35 0 9719683 B42/U57 F 236,000.00 ZZ 360 236,000.00 1 6.0000 1180.00 66 5.7500 1180.00 LAS VEGAS NV 89144 5 11/12/04 00 0438741803 03 01/01/05 0.0000 25390 N 12/01/34 0 9719691 B42/G02 F 80,650.00 T 360 80,430.09 1 6.5000 509.76 70 6.2500 509.76 MESA AZ 85204 1 11/22/04 00 0438741597 07 01/01/05 0.0000 25825 O 12/01/34 0 9719745 U42/G02 F 210,000.00 TX 360 209,537.32 1 6.7500 1362.08 75 6.5000 1362.08 PRINCETON TX 75407 5 12/06/04 00 0438749160 05 02/01/05 0.0000 12408126 O 01/01/35 0 9720375 E22/G02 F 163,000.00 ZZ 360 162,704.50 1 6.5000 1030.27 59 6.2500 1030.27 WAXHAW NC 28173 5 12/07/04 00 0422583559 05 02/01/05 0.0000 0422583559 O 01/01/35 0 9721381 U05/G02 F 134,400.00 ZZ 360 134,015.45 2 6.2500 827.52 80 6.0000 827.52 PHILADELPHIA PA 19149 1 11/17/04 00 0438739823 07 01/01/05 0.0000 3000677891 O 12/01/34 0 9721553 W96/G02 F 135,000.00 ZZ 360 134,471.12 1 6.1250 820.27 70 5.8750 820.27 PALM BEACH GARFL 33418 5 11/02/04 00 0438715609 03 12/01/04 0.0000 24100360 O 11/01/34 0 9721571 W96/G02 F 155,200.00 ZZ 360 154,766.46 1 6.3750 968.25 80 6.1250 968.25 WENTZVILLE MO 63385 5 11/03/04 00 0438715708 03 01/01/05 0.0000 24100426 O 12/01/34 0 9721635 W96/G02 F 229,000.00 ZZ 360 228,328.86 1 6.1250 1391.43 100 5.8750 1391.43 MIAMI LAKES FL 33014 1 11/19/04 11 0438716144 09 01/01/05 35.0000 24110019 O 12/01/34 0 9722265 E22/G02 F 188,480.00 ZZ 360 188,111.40 1 6.3750 1175.87 80 6.1250 1175.87 BLAINE MN 55434 2 12/09/04 00 0422687384 05 02/01/05 0.0000 0422687384 O 01/01/35 0 9722385 E22/G02 F 150,650.00 ZZ 360 150,376.88 1 6.5000 952.21 80 6.2500 952.21 HOPKINS MI 49328 2 12/09/04 00 0422633008 05 02/01/05 0.0000 0422633008 O 01/01/35 0 9722879 U05/G02 F 117,000.00 T 360 116,648.84 1 6.0000 701.47 90 5.7500 701.47 ORLANDO FL 32824 1 11/29/04 14 0438738213 09 01/01/05 25.0000 3000686250 O 12/01/34 0 9724409 T44/G02 F 250,000.00 ZZ 360 249,284.68 1 6.2500 1539.29 49 6.0000 1539.29 PROVIDENCE RI 02906 2 11/09/04 00 0438897308 01 01/01/05 0.0000 1126071 O 12/01/34 0 9724923 E22/G02 F 160,800.00 ZZ 360 160,501.35 1 6.3750 1003.18 80 6.1250 1003.18 FERNDALE MI 48220 5 12/11/04 00 0422655613 05 02/01/05 0.0000 0422655613 O 01/01/35 0 9726061 E82/G02 F 115,900.00 ZZ 360 115,684.73 1 6.3750 723.07 90 6.1250 723.07 INDIAN HEAD MD 20640 2 12/15/04 04 0401045323 09 02/01/05 25.0000 0401045323 O 01/01/35 0 9726081 E82/G02 F 157,000.00 ZZ 360 156,686.64 1 6.0000 941.29 65 5.7500 941.29 NOKOMIS FL 34275 2 12/15/04 00 0401035670 05 02/01/05 0.0000 0401035670 O 01/01/35 0 9726601 Y65/G02 F 146,000.00 ZZ 360 145,572.12 1 6.1250 887.11 33 5.8750 887.11 SAN DIEGO CA 92102 5 11/04/04 00 0438784548 05 01/01/05 0.0000 40220111 O 12/01/34 0 9726603 Y65/G02 F 140,000.00 ZZ 360 139,508.39 1 6.3750 873.42 70 6.1250 873.42 CHICAGO IL 60629 2 11/12/04 00 0438782179 05 01/01/05 0.0000 40222773 N 12/01/34 0 9726685 Y65/G02 F 152,000.00 ZZ 360 151,552.60 1 6.1250 923.57 80 5.8750 923.57 PHOENIX AZ 85023 5 11/15/04 00 0438771446 05 01/01/05 0.0000 40221092 O 12/01/34 0 9726693 Y65/G02 F 192,600.00 ZZ 360 191,977.65 1 6.2500 1185.87 90 6.0000 1185.87 CARPENTERSVILLIL 60110 2 11/10/04 04 0438779837 05 01/01/05 25.0000 40223205 O 12/01/34 0 9727735 N74/G02 F 71,100.00 ZZ 360 70,919.76 1 6.8750 467.08 90 6.6250 467.08 ANDERSON SC 29624 1 12/10/04 10 0438936825 05 01/10/05 25.0000 2200002795 N 12/10/34 0 9728879 E22/G02 F 134,100.00 ZZ 360 133,868.43 4 6.7500 869.77 90 6.5000 869.77 YAKIMA WA 98901 2 12/13/04 04 0422826172 05 02/01/05 25.0000 0422826172 N 01/01/35 0 9728883 E22/G02 F 134,100.00 ZZ 360 133,868.43 4 6.7500 869.77 90 6.5000 869.77 YAKIMA WA 98902 2 12/13/04 04 0422829499 05 02/01/05 25.0000 0422829499 N 01/01/35 0 9728885 E22/G02 F 134,100.00 ZZ 360 133,868.43 4 6.7500 869.77 90 6.5000 869.77 YAKIMA WA 98901 2 12/13/04 04 0422831685 05 02/01/05 25.0000 0422831685 N 01/01/35 0 9728991 E22/G02 F 134,100.00 ZZ 360 133,868.43 4 6.7500 869.77 90 6.5000 869.77 YAKIMA WA 98901 2 12/13/04 04 0422772913 05 02/01/05 25.0000 0422772913 N 01/01/35 0 9729195 462/U57 F 249,650.00 ZZ 360 248,935.66 1 6.2500 1537.14 90 6.0000 1537.14 WINTER GARDEN FL 34787 1 11/30/04 11 0438770687 03 01/01/05 25.0000 A5996 O 12/01/34 0 9729197 462/G02 F 474,550.00 ZZ 360 473,286.99 1 6.6250 3038.60 90 6.3750 3038.60 SEVEN VALLEYS PA 17360 1 11/30/04 04 0438781346 03 01/01/05 25.0000 6568489 N 12/01/34 0 9729215 462/G02 F 187,900.00 T 360 187,446.53 1 7.1250 1265.92 80 6.8750 1265.92 HOMESTEAD FL 33033 1 11/24/04 00 0438770547 03 01/01/05 0.0000 0006121487 O 12/01/34 0 9729267 462/G02 F 403,000.00 ZZ 360 401,591.96 1 6.0000 2416.19 95 5.7500 2416.19 SEVEN VALLEYS PA 17360 1 11/30/04 01 0438779811 03 01/01/05 30.0000 9664194 O 12/01/34 0 9729291 462/G02 F 158,200.00 ZZ 360 157,778.94 1 6.6250 1012.98 80 6.3750 1012.98 FORT MYERS FL 33912 1 11/30/04 00 0438781775 01 01/01/05 0.0000 0004879680 N 12/01/34 0 9729311 462/G02 F 80,000.00 ZZ 360 79,485.42 1 6.6250 512.25 47 6.3750 512.25 SHOREWOOD IL 60431 1 11/29/04 00 0438779548 09 01/01/05 0.0000 0006561385 O 12/01/34 0 9731429 E22/G02 F 144,000.00 ZZ 360 143,726.03 2 6.2500 886.63 80 6.0000 886.63 NEWPORT NH 03773 2 12/20/04 00 0422600775 05 02/01/05 0.0000 0422600775 N 01/01/35 0 9732961 E84/U57 F 132,750.00 ZZ 360 132,437.45 1 7.2500 905.59 90 7.0000 905.59 LEES SUMMIT MO 64086 1 11/22/04 12 0438790925 05 01/01/05 25.0000 32830650 N 12/01/34 0 9732999 E84/U57 F 391,700.00 ZZ 360 391,700.00 1 6.2500 2040.10 70 6.0000 2040.10 CHULA VISTA CA 91913 5 12/02/04 00 0438790826 03 02/01/05 0.0000 93508151 O 01/01/35 0 9733001 E84/U57 F 380,000.00 ZZ 360 378,859.45 1 6.0000 2278.29 80 5.7500 2278.29 CANYON COUNTRYCA 91387 5 11/26/04 00 0438789802 05 01/01/05 0.0000 304502371 O 12/01/34 0 9738231 E22/G02 F 250,425.00 ZZ 360 250,052.13 4 7.5000 1751.01 90 7.2500 1751.01 PAWTUCKET RI 02860 1 12/22/04 11 0422572412 05 02/01/05 25.0000 0422572412 O 01/01/35 0 9738461 E22/G02 F 152,800.00 ZZ 360 152,506.83 1 6.2500 940.82 80 6.0000 940.82 MENOMONIE WI 54751 2 12/17/04 00 0422674564 05 02/01/05 0.0000 0422674564 O 01/01/35 0 9738591 E22/G02 F 475,000.00 ZZ 360 474,096.25 1 6.2500 2924.66 66 6.0000 2924.66 EUGENE OR 97408 2 12/16/04 00 0422747071 03 02/01/05 0.0000 0422747071 O 01/01/35 0 9739157 742/G02 F 160,000.00 ZZ 360 159,726.96 1 6.8750 1051.09 80 6.6250 1051.09 BATAVIA NY 14020 5 12/03/04 00 0438789323 05 02/01/05 0.0000 10570943 O 01/01/35 0 9739199 L21/G02 F 144,000.00 ZZ 360 143,757.35 3 6.8750 945.98 80 6.6250 945.98 AUBURN ME 04210 1 12/15/04 00 0438788291 05 02/01/05 0.0000 28503291 N 01/01/35 0 9739241 L21/U56 F 128,725.00 ZZ 360 128,379.74 1 6.7500 834.91 95 6.5000 834.91 MANCHESTER NH 03104 1 12/16/04 19 0438789661 01 02/01/05 30.0000 28502733 O 01/01/35 0 9739861 L21/U56 F 407,967.00 ZZ 360 407,209.26 1 6.3750 2545.18 80 6.1250 2545.18 ATTLEBORO MA 02703 1 12/14/04 00 0438789505 05 02/01/05 0.0000 0409131120 O 01/01/35 0 9740253 E22/G02 F 112,500.00 ZZ 240 112,066.82 4 7.0000 872.21 90 6.7500 872.21 NEW ORLEANS LA 70125 2 12/23/04 10 0422876789 05 02/01/05 25.0000 0422876789 N 01/01/25 0 9740417 E82/G02 F 176,800.00 ZZ 360 176,455.45 1 6.1250 1074.26 70 5.8750 1074.26 EDGERTON WI 53534 2 12/22/04 00 0401045216 05 02/01/05 0.0000 0401045216 O 01/01/35 0 9740523 Y28/G02 F 155,410.00 ZZ 360 154,707.07 1 7.5000 1086.65 95 7.2500 1086.65 LAREDO TX 78045 1 08/06/04 11 0438794315 03 10/01/04 35.0000 04007418 O 09/01/34 0 9740647 Y28/G02 F 232,000.00 TX 360 231,194.24 1 6.7500 1504.75 80 6.5000 1504.75 BELLVILLE TX 77418 5 09/30/04 00 0438791717 03 12/01/04 0.0000 04012380 O 11/01/34 0 9740651 Y28/G02 F 600,000.00 ZZ 360 598,441.49 1 6.7500 3891.59 75 6.5000 3891.59 KEY WEST FL 33040 5 11/05/04 00 0438789299 05 01/01/05 0.0000 04013310 O 12/01/34 0 9740945 Y28/G02 F 298,000.00 TX 360 294,184.05 1 6.6250 1908.13 74 6.3750 1908.13 HOUSTON TX 77069 5 12/09/03 00 0438797920 03 02/01/04 0.0000 03006139 O 01/01/34 0 9741359 N67/U56 F 384,500.00 ZZ 360 383,476.65 1 6.6250 2462.00 95 6.3750 2462.00 FREEHOLD BORO NJ 07728 1 11/19/04 11 0438815532 05 01/01/05 35.0000 3274023103 O 12/01/34 0 9741381 N67/G02 F 420,000.00 ZZ 360 420,000.00 2 6.0000 2100.00 80 5.7500 2100.00 LAWNDALE CA 90260 5 11/15/04 00 0438815870 05 01/01/05 0.0000 3298001652 O 12/01/34 0 9741389 N67/U56 F 462,150.00 ZZ 360 462,149.65 1 6.1250 2358.89 90 5.8750 2358.89 ASTORIA NY 11105 1 12/02/04 01 0438815433 05 01/01/05 30.0000 3274022178 O 12/01/34 0 9741393 N67/U56 F 389,500.00 ZZ 360 389,500.00 1 6.7500 2190.94 95 6.5000 2190.94 HOLBROOK NY 11741 1 10/20/04 37 0438823353 05 12/01/04 30.0000 3274300647 O 11/01/34 0 9741675 L21/U56 F 770,000.00 ZZ 360 768,534.97 3 6.2500 4741.03 70 6.0000 4741.03 SOUTH BOSTON MA 02127 5 12/17/04 00 0438790107 05 02/01/05 0.0000 28502962 O 01/01/35 0 9742357 B57/U57 F 310,000.00 ZZ 360 309,650.00 1 6.0000 1550.00 80 5.7500 1548.25 SIMI VALLEY CA 93063 1 12/10/04 00 0438795338 01 02/01/05 0.0000 21028447 O 01/01/35 0 9742371 B57/U57 F 708,000.00 ZZ 360 708,000.00 1 6.0000 3540.00 80 5.7500 3540.00 CALABASAS CA 91302 5 12/07/04 00 0438796427 01 02/01/05 0.0000 21028344 O 01/01/35 0 9742695 A52/G02 F 125,400.00 ZZ 360 125,193.82 1 7.0000 834.29 95 6.7500 834.29 CARTERSVILLE GA 30120 2 12/20/04 11 0438802068 05 02/01/05 30.0000 31813 O 01/01/35 0 9742697 S27/G02 F 94,500.00 ZZ 360 94,336.80 1 6.7500 612.93 90 6.5000 612.93 CARROLLTON GA 30117 2 12/20/04 10 0438812760 05 02/01/05 25.0000 1900010322 N 01/01/35 0 9745507 E22/G02 F 112,500.00 ZZ 360 112,285.96 3 6.2500 692.68 42 6.0000 692.68 BRIDGEPORT CT 06606 5 12/28/04 00 0422857144 05 02/01/05 0.0000 0422857144 N 01/01/35 0 9745815 E22/G02 F 264,000.00 ZZ 360 263,544.12 1 6.7500 1712.30 78 6.5000 1712.30 BRISTOL RI 02809 5 12/22/04 00 0422814921 05 02/01/05 0.0000 0422814921 O 01/01/35 0 9745883 E22/G02 F 121,500.00 TX 360 121,263.21 1 6.1250 738.25 79 5.8750 738.25 STAFFORD TX 77477 5 12/22/04 00 0422772749 03 02/01/05 0.0000 0422772749 O 01/01/35 0 9746037 B57/G02 F 448,000.00 ZZ 360 448,000.00 1 6.0000 2240.00 80 5.7500 2240.00 INDIALANTIC FL 32903 5 12/04/04 00 0438795932 03 02/01/05 0.0000 16007899 O 01/01/35 0 9746041 B57/U57 F 918,000.00 ZZ 360 918,000.00 1 6.0000 4590.00 80 5.7500 4590.00 BENICIA CA 94510 1 12/07/04 00 0438795734 05 02/01/05 0.0000 16007281 O 01/01/35 0 9746043 B57/U57 F 525,000.00 ZZ 360 525,000.00 4 6.2500 2734.38 68 6.0000 2734.38 ANAHEIM CA 92806 5 11/11/04 00 0438796286 05 01/01/05 0.0000 16007655 N 12/01/34 0 9746049 B57/U57 F 516,500.00 ZZ 360 516,500.00 1 6.1250 2636.30 65 5.8750 2636.30 SALINAS CA 93908 1 12/06/04 00 0438795833 05 02/01/05 0.0000 16008652 N 01/01/35 0 9746061 B57/U57 F 420,000.00 ZZ 360 419,181.50 1 6.1250 2551.96 70 5.8750 2551.96 SAN FRANCISCO CA 94124 5 11/23/04 00 0438796559 05 02/01/05 0.0000 16007828 N 01/01/35 0 9747621 N74/U57 F 218,000.00 ZZ 360 217,604.78 1 6.5000 1377.91 95 6.2500 1377.91 KERNERSVILLE NC 27284 2 12/17/04 01 0438797904 03 02/01/05 30.0000 0035638010 O 01/01/35 0 9747795 E22/G02 F 220,000.00 ZZ 360 219,601.16 1 6.5000 1390.55 80 6.2500 1390.55 LITTLEROCK CA 93543 5 12/20/04 00 0422914630 05 02/01/05 0.0000 0422914630 O 01/01/35 0 9748231 E22/G02 F 196,000.00 ZZ 360 195,627.07 1 6.2500 1206.81 76 6.0000 1206.81 BRIGGSDALE CO 80611 4 12/23/04 00 0422876896 05 02/01/05 0.0000 0422876896 O 01/01/35 0 9748249 U05/G02 F 172,000.00 TX 360 171,688.17 3 6.5000 1087.16 80 6.2500 1087.16 LAREDO TX 78043 5 12/20/04 00 0438800344 05 02/01/05 0.0000 3000692051 O 01/01/35 0 9749027 B28/G02 F 123,500.00 ZZ 360 123,325.10 1 7.7500 884.77 95 7.5000 884.77 LITTLE ROCK AR 72211 5 12/06/04 01 0438805095 05 02/01/05 30.0000 02000367 O 01/01/35 0 9749657 E22/G02 F 332,000.00 ZZ 360 331,398.10 1 6.5000 2098.47 80 6.2500 2098.47 WAYNESVILLE NC 28786 5 12/30/04 00 0422709261 05 02/01/05 0.0000 0422709261 O 01/01/35 0 9749673 E22/G02 F 116,000.00 ZZ 360 115,773.93 1 6.1250 704.83 80 5.8750 704.83 STOCKBRIDGE MI 49285 5 12/24/04 00 0422723841 05 02/01/05 0.0000 0422723841 O 01/01/35 0 9749761 E22/G02 F 248,000.00 ZZ 360 247,539.38 2 6.3750 1547.20 80 6.1250 1547.20 SOUTH BURLINGTVT 05403 1 12/30/04 00 0422813980 05 02/01/05 0.0000 0422813980 O 01/01/35 0 9750589 E22/U57 F 380,000.00 ZZ 360 379,196.28 1 6.1250 2308.92 80 5.8750 2308.92 ESCONDIDO CA 92026 5 12/27/04 00 0422587774 03 02/01/05 0.0000 0422587774 O 01/01/35 0 9750619 E22/U57 F 176,000.00 ZZ 360 175,680.92 1 6.5000 1112.44 80 6.2500 1112.44 BROOMFIELD CO 80021 2 12/27/04 00 0422684282 05 02/01/05 0.0000 0422684282 O 01/01/35 0 9750691 E22/G02 F 159,800.00 ZZ 360 159,797.21 1 6.6250 882.23 73 6.3750 882.21 BENZONIA MI 49616 2 12/27/04 00 0422785618 05 02/01/05 0.0000 0422785618 O 01/01/35 0 9750761 E22/U57 F 81,000.00 ZZ 360 80,856.68 1 6.6250 518.65 80 6.3750 518.65 WICHITA FALLS TX 76301 2 12/31/04 00 0422850222 05 02/01/05 0.0000 0422850222 N 01/01/35 0 9750793 E22/U57 F 46,500.00 ZZ 360 46,437.39 1 8.0000 341.20 75 7.7500 341.20 DANVILLE VA 24540 1 12/31/04 00 0422875088 05 02/01/05 0.0000 0422875088 N 01/01/35 0 9750817 E22/U57 F 203,000.00 ZZ 360 202,640.81 1 6.6250 1299.83 72 6.3750 1299.83 SAN MARCOS CA 92069 2 12/23/04 00 0422897074 01 02/01/05 0.0000 0422897074 O 01/01/35 0 9751039 X89/G02 F 200,000.00 ZZ 360 199,600.78 1 6.0000 1199.11 78 5.7500 1199.11 IDAHO FALLS ID 83404 2 12/23/04 00 0438887416 03 02/01/05 0.0000 2071912 O 01/01/35 0 9751101 975/G02 F 500,000.00 ZZ 360 498,963.32 1 6.1250 3038.05 69 5.8750 3038.05 RANCHO CUCAMONCA 91737 2 12/07/04 00 0438800088 05 02/01/05 0.0000 2045008 O 01/01/35 0 9751325 Q30/G02 F 180,000.00 ZZ 360 179,681.50 1 6.6250 1152.56 80 6.3750 1152.56 PITTSBURGH PA 15221 5 12/08/04 00 0438800468 05 02/01/05 0.0000 32026793 O 01/01/35 0 9751615 E22/U57 F 84,000.00 ZZ 360 83,782.99 1 6.1250 510.39 80 5.8750 510.39 EUGENE OR 97402 1 12/29/04 00 0422867523 05 02/01/05 0.0000 0422867523 O 01/01/35 0 9754795 Y17/U56 F 251,020.00 ZZ 360 250,552.87 1 6.3650 1564.40 66 6.1150 1564.40 LYNDHURST NJ 07071 5 12/16/04 00 0438850000 05 02/01/05 0.0000 0041023599 O 01/01/35 0 9754815 Y17/U56 F 280,000.00 ZZ 360 279,467.26 1 6.2500 1724.01 80 6.0000 1724.01 COVINGTON LA 70435 5 11/30/04 00 0438831190 05 02/01/05 0.0000 0041036823 O 01/01/35 0 9755287 N74/U57 F 79,900.00 ZZ 360 79,711.87 1 7.2500 545.06 85 7.0000 545.06 NEW PORT RICHEFL 34652 1 12/23/04 01 0438824047 05 01/23/05 25.0000 2200002867 N 12/23/34 0 9755291 H93/G02 F 212,000.00 ZZ 360 211,497.98 1 6.1250 1288.13 80 5.8750 1288.13 SHAWNEE KS 66216 2 12/29/04 00 0438804783 03 02/01/05 0.0000 2004000871 O 01/01/35 0 9755327 X84/G02 F 257,600.00 ZZ 360 257,165.92 1 6.8750 1692.25 80 6.6250 1692.25 LUTHERVILLE MD 21093 1 12/31/04 00 0438981649 09 02/01/05 0.0000 EM000732 N 01/01/35 0 9755623 E22/U57 F 242,250.00 ZZ 360 241,870.90 1 7.2500 1652.57 85 7.0000 1652.57 TAMARAC FL 33319 1 01/04/05 10 0422838201 03 02/01/05 20.0000 0422838201 N 01/01/35 0 9755691 E22/U57 F 120,000.00 TX 360 119,777.13 1 6.3750 748.64 80 6.1250 748.64 HOUSTON TX 77036 5 12/28/04 00 0422929596 03 02/01/05 0.0000 0422929596 O 01/01/35 0 9757301 E22/G02 F 167,000.00 ZZ 360 166,596.70 1 6.5000 1055.55 71 6.2500 1055.55 WHITE HALL MD 21161 5 12/30/04 00 0422641282 05 02/01/05 0.0000 0422641282 O 01/01/35 0 9757305 E22/G02 F 142,000.00 ZZ 360 141,742.56 4 6.5000 897.54 87 6.2500 897.54 METAIRIE LA 70003 2 01/05/05 10 0422652362 05 02/01/05 25.0000 0422652362 N 01/01/35 0 9757369 E22/G02 F 144,000.00 ZZ 360 143,612.07 1 6.2500 886.63 80 6.0000 886.63 SAN BERNARDINOCA 92404 5 12/22/04 00 0422766576 05 02/01/05 0.0000 0422766576 O 01/01/35 0 9757415 E22/G02 F 128,000.00 ZZ 360 127,750.55 1 6.1250 777.74 80 5.8750 777.74 LAKEWOOD WA 98499 5 12/28/04 00 0422824987 05 02/01/05 0.0000 0422824987 O 01/01/35 0 9757451 E22/U57 F 156,000.00 ZZ 360 155,730.62 1 6.7500 1011.81 80 6.5000 1011.81 MARIETTA GA 30066 2 12/29/04 00 0422871731 05 02/01/05 0.0000 0422871731 O 01/01/35 0 9757479 E22/U57 F 88,160.00 ZZ 360 87,821.30 1 6.3750 550.00 80 6.1250 550.00 PASCO WA 99301 1 12/27/04 00 0422893123 05 02/01/05 0.0000 0422893123 O 01/01/35 0 9757499 E22/G02 F 123,750.00 ZZ 360 123,638.13 2 6.5000 782.18 75 6.2500 782.18 SPOKANE WA 99205 5 12/29/04 00 0422905075 05 03/01/05 0.0000 0422905075 N 02/01/35 0 9757569 E22/G02 F 103,500.00 ZZ 360 103,410.89 2 6.7500 671.30 90 6.5000 671.30 POMPANO BEACH FL 33060 1 01/05/05 10 0422976001 05 03/01/05 25.0000 0422976001 N 02/01/35 0 9757687 E77/G02 F 104,000.00 ZZ 360 103,837.25 1 7.2500 709.46 66 7.0000 709.46 BALTIMORE MD 21206 5 12/29/04 00 0438809501 05 02/01/05 0.0000 1011000174 N 01/01/35 0 9757695 U85/G01 F 64,000.00 ZZ 360 63,892.17 1 6.8750 420.43 80 6.6250 420.43 MOORESVILLE IN 46158 2 12/30/04 00 0438811598 05 02/01/05 0.0000 TQS201IN O 01/01/35 0 9757827 F62/F62 F 165,600.00 ZZ 360 165,292.43 1 6.3750 1033.13 80 6.1250 1033.13 HOLLYWOOD FL 33024 5 12/10/04 00 44119 05 02/01/05 0.0000 44119 O 01/01/35 0 9757859 883/G02 F 111,670.00 ZZ 360 111,490.87 1 7.1250 752.34 80 6.8750 752.34 PORT SAINT LUCFL 34953 1 12/30/04 00 0438843344 05 02/01/05 0.0000 48001913 N 01/01/35 0 9757869 U45/G02 F 89,600.00 ZZ 360 89,526.56 1 7.0000 596.11 80 6.7500 596.11 OGDEN UT 84404 2 01/04/05 00 0438813180 05 03/01/05 0.0000 50123927 N 02/01/35 0 9757937 U05/G02 F 154,000.00 ZZ 360 153,701.26 1 6.3750 960.76 69 6.1250 960.76 SEATTLE WA 98125 2 12/20/04 00 0438839110 05 02/01/05 0.0000 3000694385 N 01/01/35 0 9757945 U05/G02 F 172,000.00 ZZ 360 171,680.53 1 6.3750 1073.06 75 6.1250 1073.06 GLENDALE HIEGHIL 60139 5 12/20/04 00 0438838195 05 02/01/05 0.0000 3000652172 O 01/01/35 0 9757949 U05/G02 F 112,000.00 ZZ 360 111,791.99 4 6.3750 698.73 80 6.1250 698.73 HOUSTON TX 77091 1 12/02/04 00 0438841637 05 02/01/05 0.0000 3000680989 N 01/01/35 0 9757965 U05/G02 F 198,000.00 ZZ 360 197,649.64 2 6.6250 1267.82 90 6.3750 1267.82 FORT MYERS FL 33912 1 12/21/04 01 0438840175 05 02/01/05 25.0000 3000697553 N 01/01/35 0 9757995 U05/G02 F 147,600.00 ZZ 360 147,357.31 1 7.0000 981.99 90 6.7500 981.99 MC KINNEY TX 75070 1 12/23/04 10 0438846008 05 02/01/05 25.0000 3000694400 O 01/01/35 0 9757997 U05/G02 F 108,000.00 ZZ 360 107,804.21 2 6.5000 682.63 90 6.2500 682.63 OKEECHOBEE FL 34974 1 12/01/04 14 0438841413 05 02/01/05 25.0000 3000659828 N 01/01/35 0 9757999 U05/G02 F 178,000.00 ZZ 360 177,570.02 1 6.3750 1110.49 90 6.1250 1110.49 WEST VALLEY CIUT 84120 2 12/28/04 10 0438833386 05 02/01/05 25.0000 3000701011 O 01/01/35 0 9758003 U05/G02 F 158,079.00 ZZ 360 157,668.16 4 6.7500 1025.30 74 6.5000 1025.30 MARIETTA GA 30060 1 12/03/04 00 0438840662 05 01/01/05 0.0000 3000690479 O 12/01/34 0 9758011 U05/G02 F 183,600.00 ZZ 360 183,275.13 2 6.6250 1175.61 90 6.3750 1175.61 FORT MYERS FL 33912 1 12/20/04 01 0438825739 05 02/01/05 25.0000 3000697548 N 01/01/35 0 9758017 U05/G02 F 130,000.00 ZZ 360 129,746.66 1 6.1250 789.89 75 5.8750 789.89 WEST PALM BEACFL 33415 5 12/13/04 00 0438864852 05 02/01/05 0.0000 3000692991 O 01/01/35 0 9758021 U05/G02 F 193,000.00 ZZ 360 192,420.72 1 6.0000 1157.13 78 5.7500 1157.13 TURLOCK CA 95380 2 11/29/04 00 0438841066 05 01/01/05 0.0000 3000686721 O 12/01/34 0 9758045 U05/G02 F 198,750.00 ZZ 360 198,389.67 2 6.5000 1256.24 75 6.2500 1256.24 MIAMI FL 33161 1 12/16/04 00 0438847899 05 02/01/05 0.0000 3000689041 N 01/01/35 0 9758051 U05/G02 F 186,500.00 ZZ 360 186,153.60 1 6.3750 1163.52 55 6.1250 1163.52 SOUTH PORTLANDME 04106 2 12/10/04 00 0438823767 05 02/01/05 0.0000 3000691678 N 01/01/35 0 9758061 U05/G02 F 126,000.00 ZZ 360 125,777.05 1 6.6250 806.79 90 6.3750 806.79 MESA AZ 85205 1 12/10/04 01 0438841462 05 02/01/05 25.0000 3000692986 N 01/01/35 0 9758065 U05/G02 F 119,000.00 ZZ 360 118,778.97 2 6.3750 742.41 68 6.1250 742.41 TORRINGTON CT 06790 2 12/08/04 00 0438841181 05 02/01/05 0.0000 3000680826 N 01/01/35 0 9758075 U05/G02 F 215,600.00 ZZ 360 215,199.57 1 6.3750 1345.06 70 6.1250 1345.06 DEERFIELD BEACFL 33441 2 12/09/04 00 0438848962 05 02/01/05 0.0000 3000687098 O 01/01/35 0 9758077 U05/G02 F 124,800.00 ZZ 360 124,568.21 1 6.3750 778.59 80 6.1250 778.59 RIVIERA BEACH FL 33404 2 12/21/04 00 0438844672 05 02/01/05 0.0000 3000691736 N 01/01/35 0 9758093 U05/G02 F 138,000.00 ZZ 360 137,532.26 2 6.8750 906.56 80 6.6250 906.56 LAKE WORTH FL 33461 1 10/28/04 00 0438848145 05 12/01/04 0.0000 3000655028 N 11/01/34 0 9758207 E47/G02 F 80,000.00 ZZ 360 79,850.50 1 6.3750 499.10 80 6.1250 499.10 FT. MILL SC 29715 1 12/30/04 00 0438806028 09 02/01/05 0.0000 7350511694 N 01/01/35 0 9758359 E22/U57 F 56,000.00 ZZ 360 55,955.22 1 7.1250 377.28 80 6.8750 377.28 SPRINGFIELD MO 65803 1 01/06/05 00 0422973297 05 03/01/05 0.0000 0422973297 N 02/01/35 0 9758385 E22/U57 F 81,000.00 ZZ 360 80,928.54 1 6.6250 518.65 90 6.3750 518.65 COVINGTON PA 16917 2 01/06/05 04 0422212274 05 03/01/05 25.0000 0422212274 N 02/01/35 0 9758533 E22/U57 F 95,450.00 ZZ 360 95,359.44 1 6.2500 587.70 90 6.0000 587.70 SLIDELL LA 70461 1 01/06/05 10 0422829226 05 03/01/05 25.0000 0422829226 N 02/01/35 0 9758673 E82/G02 F 156,000.00 ZZ 360 155,844.70 1 6.0000 935.30 80 5.7500 935.30 TALLMADGE OH 44278 2 01/05/05 00 0401042288 05 03/01/05 0.0000 0401042288 O 02/01/35 0 9758703 E82/G02 F 238,000.00 ZZ 360 237,768.68 1 6.1250 1446.11 74 5.8750 1446.11 COLORADO SPRINCO 80920 2 01/03/05 00 0401054218 05 03/01/05 0.0000 0401054218 O 02/01/35 0 9758799 950/G02 F 95,535.00 ZZ 360 95,374.02 3 6.8750 627.60 90 6.6250 627.60 SPOKANE WA 99207 1 12/17/04 11 0438817314 05 02/01/05 25.0000 EW4A330 N 01/01/35 0 9758825 E84/G02 F 600,000.00 ZZ 360 598,802.41 1 6.0000 3597.30 80 5.7500 3597.30 CHICAGO IL 60657 5 12/20/04 00 0438874562 05 02/01/05 0.0000 69947443 O 01/01/35 0 9758827 E84/G02 F 392,000.00 ZZ 360 392,000.00 1 6.0000 1960.00 80 5.7500 1960.00 WINTERS CA 95694 5 12/09/04 00 0438878449 05 02/01/05 0.0000 75016939 O 01/01/35 0 9758831 E84/G02 F 637,500.00 ZZ 360 637,500.00 3 6.1250 3253.91 75 5.8750 3253.91 BROOKLYN NY 11217 1 12/14/04 00 0438877102 05 02/01/05 0.0000 1101191959 O 01/01/35 0 9758857 950/G02 F 95,535.00 ZZ 360 95,374.02 3 6.8750 627.60 90 6.6250 627.60 SPOKANE WA 99207 1 12/17/04 11 0438817546 05 02/01/05 25.0000 EW4A337 N 01/01/35 0 9758879 950/G02 F 95,535.00 ZZ 360 95,374.02 3 6.8750 627.60 90 6.6250 627.60 SPOKANE WA 99207 1 12/17/04 11 0438832412 05 02/01/05 25.0000 EW4A327 N 01/01/35 0 9758887 950/G02 F 95,535.00 ZZ 360 95,374.02 3 6.8750 627.60 90 6.6250 627.60 SPOKANE WA 99207 1 12/17/04 11 0438839904 05 02/01/05 25.0000 EW4A325 N 01/01/35 0 9759675 E22/G02 F 212,000.00 ZZ 360 211,803.65 1 6.3750 1322.60 80 6.1250 1322.60 ANTHONY NM 88021 2 01/03/05 00 0422622597 05 03/01/05 0.0000 0422622597 O 02/01/35 0 9759677 E22/G02 F 102,600.00 ZZ 360 102,511.67 1 6.7500 665.46 95 6.5000 665.46 BALTIMORE MD 21212 5 01/03/05 11 0422658450 07 03/01/05 30.0000 0422658450 O 02/01/35 0 9759781 E22/U57 F 105,600.00 ZZ 360 105,509.08 1 6.7500 684.92 80 6.5000 684.92 TAYLOR MI 48180 2 01/03/05 00 0422853390 05 03/01/05 0.0000 0422853390 O 02/01/35 0 9759805 E22/G02 F 241,500.00 ZZ 360 241,276.32 1 6.3750 1506.65 70 6.1250 1506.65 DOYLESTOWN PA 18901 1 01/07/05 00 0422876201 09 03/01/05 0.0000 0422876201 O 02/01/35 0 9759913 E22/G02 F 91,500.00 ZZ 360 91,421.22 1 6.7500 593.47 85 6.5000 593.47 KANSAS CITY MO 64130 2 01/07/05 10 0422958272 05 03/01/05 20.0000 0422958272 N 02/01/35 0 9759975 E22/U57 F 580,000.00 ZZ 360 579,436.28 1 6.1250 3524.14 80 5.8750 3524.14 EAST HANOVER NJ 07936 1 01/07/05 00 0423004563 05 03/01/05 0.0000 0423004563 O 02/01/35 0 9761013 588/G02 F 377,000.00 ZZ 360 376,349.01 1 6.7500 2445.21 52 6.5000 2445.21 TOWN OF TUXEDONY 10987 1 12/23/04 00 0438896706 05 02/01/05 0.0000 1139311 O 01/01/35 0 9762195 E22/U57 F 75,000.00 ZZ 360 74,857.29 1 6.2500 461.79 79 6.0000 461.79 CHERRY HILL NJ 08034 1 12/20/04 00 0422707216 06 02/01/05 0.0000 0422707216 O 01/01/35 0 9762213 E22/G02 F 91,200.00 ZZ 360 91,128.86 2 7.2500 622.14 80 7.0000 622.14 FORT WORTH TX 76110 1 01/10/05 00 0422747329 05 03/01/05 0.0000 0422747329 N 02/01/35 0 9762263 E22/G02 F 115,800.00 ZZ 360 115,433.16 1 6.2500 713.00 80 6.0000 713.00 MERIDIAN ID 83642 2 12/20/04 00 0422807107 09 02/01/05 0.0000 0422807107 N 01/01/35 0 9762273 E22/U57 F 562,500.00 ZZ 360 562,027.44 1 6.8750 3695.22 90 6.6250 3695.22 KNOXVILLE TN 37922 5 01/04/05 04 0422822759 05 03/01/05 25.0000 0422822759 O 02/01/35 0 9762283 E22/G02 F 200,000.00 ZZ 360 199,819.19 1 6.5000 1264.14 67 6.2500 1264.14 TACOMA WA 98407 2 01/04/05 00 0422826032 05 03/01/05 0.0000 0422826032 N 02/01/35 0 9762459 E22/G02 F 375,000.00 ZZ 360 374,652.68 1 6.3750 2339.51 79 6.1250 2339.51 CHESHIRE CT 06410 5 01/05/05 00 0422957514 05 03/01/05 0.0000 0422957514 O 02/01/35 0 9762471 E22/G02 F 91,200.00 ZZ 360 91,128.86 2 7.2500 622.14 80 7.0000 622.14 FORT WORTH TX 76110 1 01/10/05 00 0422962886 05 03/01/05 0.0000 0422962886 N 02/01/35 0 9762473 E22/G02 F 91,200.00 ZZ 360 91,128.86 2 7.2500 622.14 80 7.0000 622.14 FORT WORTH TX 76110 1 01/10/05 00 0422963207 05 03/01/05 0.0000 0422963207 N 02/01/35 0 9762823 225/225 F 456,000.00 ZZ 360 455,132.41 1 6.2500 2807.67 80 6.0000 2807.67 HOLMDEL NJ 07733 1 12/21/04 00 005709776 05 02/01/05 0.0000 005709776 N 01/01/35 0 9763911 N74/U57 F 173,000.00 ZZ 360 172,492.97 1 6.1250 1051.17 73 5.8750 1051.17 BOONE NC 28607 5 12/23/04 00 0438890113 05 01/29/05 0.0000 0035679010 O 12/29/34 0 9763935 A50/G02 F 100,000.00 ZZ 360 99,915.99 1 6.8750 656.93 59 6.6250 656.93 ALABASTER AL 35007 5 01/07/05 00 0438878761 05 03/01/05 0.0000 02182095 N 02/01/35 0 9764083 L49/U57 F 160,150.00 ZZ 360 159,859.65 1 6.5000 1012.26 87 6.2500 1012.26 MARGATE FL 33063 1 12/17/04 12 0438849879 01 02/01/05 25.0000 10025029 O 01/01/35 0 9764359 E22/U57 F 207,000.00 ZZ 360 206,803.59 1 6.2500 1274.53 74 6.0000 1274.53 SACRAMENTO CA 95842 5 01/03/05 00 0422729459 05 03/01/05 0.0000 0422729459 O 02/01/35 0 9764363 E22/G02 F 179,000.00 ZZ 360 178,830.16 1 6.2500 1102.13 80 6.0000 1102.13 MAPLE SHADE NJ 08052 2 01/06/05 00 0422730366 05 03/01/05 0.0000 0422730366 O 02/01/35 0 9764385 E22/U57 F 85,025.00 ZZ 360 84,958.67 1 7.2500 580.02 95 7.0000 580.02 AUSTIN TX 78753 1 01/11/05 04 0422939017 05 03/01/05 30.0000 0422939017 N 02/01/35 0 9764461 E22/G02 F 121,500.00 ZZ 360 121,405.22 4 7.2500 828.84 90 7.0000 828.84 PASCO WA 99301 1 01/10/05 10 0423025139 05 03/01/05 25.0000 0423025139 N 02/01/35 0 9764465 E22/G02 F 152,000.00 ZZ 360 151,869.13 2 6.7500 985.87 80 6.5000 985.87 VANCOUVER WA 98661 2 01/05/05 00 0423044577 05 03/01/05 0.0000 0423044577 N 02/01/35 0 9764485 E22/U57 F 55,000.00 ZZ 360 54,953.79 1 6.8750 361.31 65 6.6250 361.31 LEWISTON ID 83501 5 01/06/05 00 0422805739 05 03/01/05 0.0000 0422805739 N 02/01/35 0 9764525 E22/G02 F 172,000.00 ZZ 360 171,840.69 4 6.3750 1073.06 80 6.1250 1073.06 NEW ORLEANS LA 70117 2 01/11/05 00 0422877738 05 03/01/05 0.0000 0422877738 N 02/01/35 0 9764853 S27/G02 F 95,000.00 ZZ 360 94,914.11 3 6.5000 600.47 95 6.2500 600.47 ALLENTOWN PA 18102 1 01/10/05 01 0438860736 05 03/01/05 30.0000 1130020675 O 02/01/35 0 9765071 F89/G02 F 172,000.00 ZZ 360 171,688.17 1 6.5000 1087.16 80 6.2500 1087.16 VICTORVILLE CA 92394 1 12/27/04 00 0438833873 05 02/01/05 0.0000 14451184 N 01/01/35 0 9765081 X75/G02 F 476,000.00 ZZ 360 475,115.92 1 6.3750 2969.62 80 6.1250 2969.62 CORAL GABLES FL 33134 5 12/28/04 00 0438891731 05 02/01/05 0.0000 1041102130 O 01/01/35 0 9765097 N74/G02 F 167,000.00 ZZ 360 166,697.25 1 6.5000 1055.55 65 6.2500 1055.55 STANARDSVILLE VA 22973 5 12/30/04 00 0438863904 05 02/05/05 0.0000 0035707010 O 01/05/35 0 9765381 E22/U57 F 89,600.00 ZZ 360 89,514.99 1 6.2500 551.68 80 6.0000 551.68 RED OAK TX 75154 1 01/12/05 00 0422721084 03 03/01/05 0.0000 0422721084 O 02/01/35 0 9765417 E22/U57 F 188,800.00 ZZ 360 188,637.45 1 6.7500 1224.55 80 6.5000 1224.55 VANCOUVER WA 98662 5 01/06/05 00 0422795815 05 03/01/05 0.0000 0422795815 O 02/01/35 0 9765487 E22/G02 F 174,500.00 ZZ 360 174,349.76 1 6.7500 1131.80 80 6.5000 1131.80 NEW ORLEANS LA 70119 2 01/12/05 00 0422872572 05 03/01/05 0.0000 0422872572 N 02/01/35 0 9765541 E22/G02 F 152,000.00 ZZ 360 151,852.26 1 6.1250 923.57 80 5.8750 923.57 SPIRIT LAKE ID 83869 5 01/06/05 00 0422902338 05 03/01/05 0.0000 0422902338 O 02/01/35 0 9765581 E22/G02 F 112,000.00 ZZ 360 111,903.57 4 6.7500 726.43 70 6.5000 726.43 PENNS GROVE NJ 08069 1 01/12/05 00 0422927053 05 03/01/05 0.0000 0422927053 N 02/01/35 0 9765611 E22/U57 F 271,450.00 ZZ 360 271,216.29 1 6.7500 1760.62 89 6.5000 1760.62 HOMOSASSA FL 34446 5 01/07/05 10 0422943944 03 03/01/05 25.0000 0422943944 O 02/01/35 0 9765657 E22/U57 F 180,000.00 ZZ 360 179,837.28 1 6.5000 1137.72 72 6.2500 1137.72 DUARTE CA 91010 5 01/06/05 00 0422980516 01 03/01/05 0.0000 0422980516 O 02/01/35 0 9765727 E82/G02 F 178,550.00 ZZ 360 178,376.46 1 6.1250 1084.89 80 5.8750 1084.89 BELLWOOD NE 68624 2 01/10/05 00 0401035969 05 03/01/05 0.0000 0401035969 O 02/01/35 0 9766179 G52/G02 F 146,250.00 TX 360 146,015.40 4 7.1250 985.31 65 6.8750 985.31 AUSTIN TX 78745 5 12/20/04 00 0438938789 05 02/01/05 0.0000 2110000173 N 01/01/35 0 9766353 Y69/U57 F 143,600.00 ZZ 360 143,358.03 1 6.8750 943.35 80 6.6250 943.35 SAN ANTONIO TX 78260 1 12/28/04 00 0438851792 03 02/01/05 0.0000 3010022800 O 01/01/35 0 9766375 Y69/U57 F 67,600.00 ZZ 360 67,477.45 1 6.5000 427.28 80 6.2500 427.28 FENTON MO 63026 1 12/29/04 00 0438851917 01 02/01/05 0.0000 3030022827 O 01/01/35 0 9766379 Y69/U57 F 77,800.00 ZZ 360 76,757.47 1 6.8750 511.09 88 6.6250 511.09 MESQUITE TX 75180 2 12/01/04 11 0438853251 05 01/01/05 25.0000 3010020715 O 12/01/34 0 9766419 X91/U57 F 620,000.00 ZZ 360 618,139.09 1 6.0000 3717.21 80 5.7500 3717.21 HONOLULU HI 96825 1 11/18/04 00 0438851362 05 01/01/05 0.0000 817022 O 12/01/34 0 9766577 E22/G02 F 78,300.00 ZZ 360 78,238.92 4 7.2500 534.14 90 7.0000 534.14 BATON ROUGE LA 70810 1 01/13/05 10 0422842914 05 03/01/05 25.0000 0422842914 N 02/01/35 0 9766593 E22/G02 F 127,500.00 ZZ 360 127,390.23 4 6.7500 826.96 78 6.5000 826.96 HARVEY LA 70058 2 01/13/05 00 0422868224 05 03/01/05 0.0000 0422868224 N 02/01/35 0 9766621 E22/G02 F 132,000.00 ZZ 360 131,886.35 4 6.7500 856.15 80 6.5000 856.15 HARVEY LA 70058 2 01/13/05 00 0422917237 05 03/01/05 0.0000 0422917237 N 02/01/35 0 9766677 E22/G02 F 127,000.00 ZZ 360 126,890.66 4 6.7500 823.72 77 6.5000 823.72 HARVEY LA 70058 2 01/13/05 00 0422994673 05 03/01/05 0.0000 0422994673 N 02/01/35 0 9766711 E22/U57 F 296,200.00 ZZ 360 295,944.98 1 6.7500 1921.15 75 6.5000 1921.15 BEAVERTON OR 97007 1 01/11/05 00 0423033182 05 03/01/05 0.0000 0423033182 O 02/01/35 0 9766757 E82/G02 F 207,500.00 ZZ 360 207,303.12 1 6.2500 1277.61 80 6.0000 1277.61 FARMINGTON HILMI 48334 2 01/12/05 00 0401061809 05 03/01/05 0.0000 0401061809 O 02/01/35 0 9766851 H49/G02 F 90,000.00 ZZ 360 89,855.63 2 7.1250 606.35 90 6.8750 606.35 RALEIGH NC 27601 1 12/22/04 11 0438872186 05 02/01/05 25.0000 623176 N 01/01/35 0 9766857 X91/U57 F 247,600.00 ZZ 360 247,105.79 1 6.0000 1484.49 77 5.7500 1484.49 KAILUA HI 96734 2 11/29/04 00 0438848392 01 02/01/05 0.0000 815673 O 01/01/35 0 9770449 Y69/U57 F 146,600.00 ZZ 360 145,825.04 1 6.3750 914.60 91 6.1250 914.60 LAWRENCEVILLE GA 30044 1 12/03/04 01 0438857393 05 02/01/05 35.0000 5010021365 O 01/01/35 0 9770605 962/G02 F 103,500.00 ZZ 360 103,415.16 4 7.0000 688.59 90 6.7500 688.59 MOORHEAD MN 56560 1 01/14/05 04 0438851453 05 03/01/05 25.0000 2004F4146 N 02/01/35 0 9772039 E22/G02 F 136,000.00 TX 360 135,877.06 1 6.5000 859.61 80 6.2500 859.61 RICHMOND TX 77469 5 01/10/05 00 0422855171 03 03/01/05 0.0000 0422855171 O 02/01/35 0 9772113 E22/U57 F 270,000.00 ZZ 360 269,755.92 2 6.5000 1706.58 90 6.2500 1706.58 NEW ORLEANS LA 70119 1 01/14/05 01 0423007327 05 03/01/05 30.0000 0423007327 O 02/01/35 0 9772121 E22/U57 F 179,600.00 ZZ 360 179,449.12 1 6.8750 1179.84 80 6.6250 1179.84 WEST HAVEN CT 06516 1 01/14/05 00 0422750745 05 03/01/05 0.0000 0422750745 O 02/01/35 0 9772133 E22/G02 F 89,000.00 ZZ 360 88,925.23 1 6.8750 584.67 80 6.6250 584.67 VILLA RICA GA 30180 2 01/14/05 00 0422773457 05 03/01/05 0.0000 0422773457 N 02/01/35 0 9772181 E22/G02 F 200,000.00 ZZ 360 199,836.07 2 7.0000 1330.60 80 6.7500 1330.60 DENVER CO 80211 1 01/14/05 00 0423003862 05 03/01/05 0.0000 0423003862 N 02/01/35 0 9772233 E22/G02 F 89,000.00 ZZ 360 88,842.51 1 6.6250 569.88 68 6.3750 569.88 POST FALLS ID 83854 2 12/27/04 00 0422955013 05 02/01/05 0.0000 0422955013 N 01/01/35 0 9772253 E22/U57 F 340,000.00 ZZ 360 339,700.02 1 6.6250 2177.06 80 6.3750 2177.06 RIDGEDALE MO 65739 1 01/14/05 00 0422959973 05 03/01/05 0.0000 0422959973 O 02/01/35 0 9772271 E22/U57 F 220,000.00 ZZ 360 219,848.60 1 7.8750 1595.15 80 7.6250 1595.15 BRIGHTON MI 48116 1 01/14/05 00 0422933051 05 03/01/05 0.0000 0422933051 O 02/01/35 0 9772401 E22/U57 F 99,000.00 ZZ 360 98,916.83 1 6.8750 650.36 90 6.6250 650.36 BAKERSFIELD CA 93306 1 01/07/05 04 0422702191 05 03/01/05 25.0000 0422702191 N 02/01/35 0 9772485 E22/U57 F 268,350.00 ZZ 360 268,130.03 2 7.0000 1785.34 95 6.7500 1785.34 MILAN NY 12572 1 01/14/05 01 0422874362 05 03/01/05 30.0000 0422874362 O 02/01/35 0 9772585 E82/G02 F 162,500.00 ZZ 360 162,342.06 1 6.1250 987.37 79 5.8750 987.37 HOMESTEAD FL 33031 2 01/13/05 00 0401061221 05 03/01/05 0.0000 0401061221 O 02/01/35 0 9772687 E82/G02 F 161,000.00 ZZ 360 160,843.52 1 6.1250 978.25 77 5.8750 978.25 COON RAPIDS MN 55448 2 01/12/05 00 0401060421 05 03/01/05 0.0000 0401060421 O 02/01/35 0 9772729 G27/G02 F 82,000.00 ZZ 360 81,936.04 2 7.2500 559.38 80 7.0000 559.38 INDPENDENCE MO 64052 5 01/10/05 00 0438854127 05 03/01/05 0.0000 25304393 N 02/01/35 0 9772887 477/G02 F 96,000.00 ZZ 360 95,808.38 1 6.0000 575.57 44 5.7500 575.57 LAKE HAVASU AZ 86404 2 12/30/04 00 0438871923 05 02/01/05 0.0000 230426 N 01/01/35 0 9772987 Y86/G02 F 132,600.00 ZZ 360 132,480.12 2 6.5000 838.13 80 6.2500 838.13 LANSING KS 66043 2 01/14/05 00 0438863433 05 03/01/05 0.0000 10001193 N 02/01/35 0 9772999 Y86/G02 F 132,600.00 ZZ 360 132,480.12 2 6.5000 838.13 80 6.2500 838.13 LANSING KS 66043 2 01/14/05 00 0438861742 05 03/01/05 0.0000 10001192 N 02/01/35 0 9773037 Y86/G02 F 132,600.00 ZZ 360 132,480.12 2 6.5000 838.13 80 6.2500 838.13 LANSING KS 66043 2 01/14/05 00 0438862104 05 03/01/05 0.0000 10001190 N 02/01/35 0 9773739 E22/G02 F 161,200.00 ZZ 360 161,200.00 1 6.3750 856.38 80 6.1250 856.38 DESTIN FL 32541 1 01/18/05 00 0423012624 09 03/01/05 0.0000 0423012624 N 02/01/35 0 9773763 E22/G02 F 115,200.00 ZZ 360 115,098.36 2 6.6250 737.64 80 6.3750 737.64 WEST PALM BEACFL 33407 1 01/18/05 00 0423030758 05 03/01/05 0.0000 0423030758 N 02/01/35 0 9773795 E22/U57 F 170,000.00 ZZ 360 169,842.55 1 6.3750 1060.58 74 6.1250 1060.58 MIAMI FL 33155 5 01/12/05 00 0421971367 05 03/01/05 0.0000 0421971367 O 02/01/35 0 9773831 E22/U57 F 85,000.00 ZZ 360 84,923.16 1 6.5000 537.26 85 6.2500 537.26 DECATUR TX 76234 2 01/14/05 10 0422613059 05 03/01/05 20.0000 0422613059 N 02/01/35 0 9773923 E22/G02 F 129,600.00 ZZ 360 129,600.00 1 6.7500 729.00 80 6.5000 729.00 LEICESTER NC 28748 2 01/18/05 00 0422782656 05 03/01/05 0.0000 0422782656 N 02/01/35 0 9773925 E22/G02 F 164,000.00 ZZ 360 163,844.39 1 6.2500 1009.78 80 6.0000 1009.78 SALT LAKE CITYUT 84121 2 01/07/05 00 0422784223 05 03/01/05 0.0000 0422784223 O 02/01/35 0 9773933 E22/G02 F 148,000.00 ZZ 360 148,000.00 1 6.1250 755.42 80 5.8750 755.42 ASHEVILLE NC 28801 5 01/11/05 00 0422801233 05 03/01/05 0.0000 0422801233 O 02/01/35 0 9773981 E22/U57 F 105,600.00 ZZ 360 105,494.87 1 6.0000 633.13 80 5.7500 633.13 KANNAPOLIS NC 28083 5 01/11/05 00 0422900613 05 03/01/05 0.0000 0422900613 O 02/01/35 0 9774057 E22/G02 F 146,400.00 ZZ 360 146,254.71 1 6.5000 925.35 80 6.2500 925.35 VIRGINIA BEACHVA 23464 5 01/12/05 00 0422946186 05 03/01/05 0.0000 0422946186 O 02/01/35 0 9774627 U05/G02 F 96,000.00 ZZ 360 95,921.31 1 7.0000 638.69 80 6.7500 638.69 GRAND PRAIRIE TX 75052 2 01/07/05 00 0438910788 05 03/01/05 0.0000 3000695108 N 02/01/35 0 9774649 H49/G02 F 77,600.00 ZZ 360 77,469.23 2 6.8750 509.78 80 6.6250 509.78 BLUE SPRINGS MO 64015 1 01/05/05 00 0438886103 05 02/01/05 0.0000 624205309 N 01/01/35 0 9776903 E22/G02 F 152,800.00 TX 360 152,655.01 1 6.2500 940.82 80 6.0000 940.82 DENISON TX 75020 5 01/13/05 00 0422914499 05 03/01/05 0.0000 0422914499 O 02/01/35 0 9776925 E22/G02 F 280,000.00 ZZ 360 279,752.96 1 6.6250 1792.87 80 6.3750 1792.87 CENTRAL ISLIP NY 11722 5 01/13/05 00 0422935908 05 03/01/05 0.0000 0422935908 O 02/01/35 0 9776951 E22/U57 F 189,000.00 ZZ 360 188,837.28 1 6.7500 1225.85 90 6.5000 1225.85 BELLEVILLE NJ 07109 1 01/19/05 04 0422956904 01 03/01/05 25.0000 0422956904 O 02/01/35 0 9777075 E22/G02 F 390,000.00 ZZ 360 389,647.43 1 6.5000 2465.07 75 6.2500 2465.07 PORT HUENEME CA 93041 5 01/10/05 00 0423048396 05 03/01/05 0.0000 0423048396 O 02/01/35 0 9777117 E82/G02 F 61,300.00 ZZ 360 61,248.50 1 6.8750 402.70 75 6.6250 402.70 WASHINGTON PA 15301 2 01/20/05 00 0401067350 05 03/01/05 0.0000 0401067350 N 02/01/35 0 9777317 Q30/G02 F 180,000.00 ZZ 360 180,000.00 1 6.5000 975.00 75 6.2500 975.00 DELMONT PA 15626 5 12/28/04 00 0438876658 05 02/01/05 0.0000 32027600 O 01/01/35 0 9777327 Q30/U57 F 360,000.00 ZZ 360 359,378.36 1 6.7500 2334.95 80 6.5000 2334.95 EAST MEADOW NY 11554 5 12/31/04 00 0438878076 05 02/01/05 0.0000 40037857 O 01/01/35 0 9777359 Y78/G02 F 54,600.00 ZZ 360 54,560.48 4 7.6250 386.46 70 7.3750 386.46 INDIANAPOLIS IN 46201 5 01/18/05 00 0438891921 05 03/01/05 0.0000 18754800 N 02/01/35 0 9777373 Y78/G02 F 54,600.00 ZZ 360 54,560.48 4 7.6250 386.46 70 7.3750 386.46 INDIANAPOLIS IN 46201 5 01/18/05 00 0438887168 05 03/01/05 0.0000 18754511 N 02/01/35 0 9777387 X91/U57 F 164,250.00 T 360 164,112.01 1 6.8750 1079.01 90 6.6250 1079.01 WAILUKU HI 96793 1 01/06/05 01 0438893760 01 03/01/05 25.0000 817692 O 02/01/35 0 9777403 Y78/G02 F 53,900.00 ZZ 360 53,860.99 4 7.6250 381.50 70 7.3750 381.50 INDIANAPOLIS IN 46201 5 01/18/05 00 0438887648 05 03/01/05 0.0000 18754686 N 02/01/35 0 9777421 Y78/G02 F 51,800.00 ZZ 360 51,762.51 3 7.6250 366.64 70 7.3750 366.64 INDIANAPOLIS IN 46201 5 01/18/05 00 0438887804 05 03/01/05 0.0000 18755055 N 02/01/35 0 9777891 E22/G02 F 132,000.00 ZZ 360 131,871.70 2 6.1250 802.05 80 5.8750 802.05 NEWBERG OR 97132 2 01/18/05 00 0422998187 05 03/01/05 0.0000 0422998187 N 02/01/35 0 9777903 E22/G02 F 132,000.00 ZZ 360 131,871.70 2 6.1250 802.05 80 5.8750 802.05 NEWBERG OR 97132 2 01/18/05 00 0423005156 05 03/01/05 0.0000 0423005156 N 02/01/35 0 9777965 E22/U57 F 212,000.00 ZZ 360 211,803.65 1 6.3750 1322.60 60 6.1250 1322.60 FORT MYERS BEAFL 33931 5 01/20/05 00 0423054782 05 03/01/05 0.0000 0423054782 N 02/01/35 0 9778013 E82/G02 F 107,200.00 ZZ 360 107,105.42 2 6.6250 686.41 40 6.3750 686.41 CARSON CITY NV 89706 2 01/19/05 00 0401051255 05 03/01/05 0.0000 0401051255 N 02/01/35 0 9778017 E82/G02 F 240,000.00 ZZ 360 239,775.00 1 6.5000 1516.96 80 6.2500 1516.96 MONROE NC 28110 2 01/17/05 00 0401061247 03 03/01/05 0.0000 0401061247 O 02/01/35 0 9778029 E82/G02 F 73,200.00 ZZ 360 73,138.51 2 6.8750 480.87 87 6.6250 480.87 MONTGOMERY AL 36111 2 01/21/05 04 0401067228 05 03/01/05 25.0000 0401067228 N 02/01/35 0 9780339 A52/G02 F 123,500.00 ZZ 360 123,398.77 1 7.0000 821.65 95 6.7500 821.65 MORROW GA 30260 2 01/21/05 11 0438884348 05 03/01/05 30.0000 32166 O 02/01/35 0 9781831 E22/G02 F 96,750.00 ZZ 360 96,644.64 2 6.6250 619.50 75 6.3750 619.50 PLUMMER ID 83851 5 01/13/05 00 0422891655 05 03/01/05 0.0000 0422891655 N 02/01/35 0 9781915 E22/G02 F 96,000.00 ZZ 360 95,915.30 2 6.6250 614.70 80 6.3750 614.70 WEST PALM BEACFL 33407 1 01/21/05 00 0422979294 05 03/01/05 0.0000 0422979294 N 02/01/35 0 9781921 E22/G02 F 127,000.00 ZZ 360 125,459.16 1 6.2500 661.46 63 6.0000 661.46 FORT MYERS FL 33919 1 01/21/05 00 0422983940 09 03/01/05 0.0000 0422983940 N 02/01/35 0 9782063 E22/G02 F 127,000.00 ZZ 360 127,000.00 1 6.2500 661.46 63 6.0000 661.46 FORT MYERS FL 33919 1 01/21/05 00 0423114461 09 03/01/05 0.0000 0423114461 N 02/01/35 0 9782329 Q57/G02 F 317,500.00 T 360 317,198.75 1 6.2500 1954.90 73 6.0000 1954.90 RANGELEY ME 04970 5 01/10/05 00 0438895328 05 03/01/05 0.0000 52602632 O 02/01/35 0 9782859 E22/U57 F 560,000.00 ZZ 360 559,455.71 1 6.1250 3402.62 70 5.8750 3402.62 SANTA MARIA CA 93455 5 01/13/05 00 0422606160 05 03/01/05 0.0000 0422606160 O 02/01/35 0 9782861 E22/U57 F 242,250.00 ZZ 360 242,025.63 1 6.3750 1511.32 95 6.1250 1511.32 PORT SAINT LUCFL 34984 1 01/24/05 01 0422627190 05 03/01/05 30.0000 0422627190 O 02/01/35 0 9782967 E22/G02 F 145,000.00 ZZ 360 144,862.42 1 6.2500 892.79 60 6.0000 892.79 LOWER TWP NJ 08251 5 01/18/05 00 0422933853 05 03/01/05 0.0000 0422933853 O 02/01/35 0 9783115 E22/U57 F 340,000.00 TX 360 339,685.09 1 6.3750 2121.16 80 6.1250 2121.16 COLLEYVILLE TX 76034 5 01/18/05 00 0423049410 05 03/01/05 0.0000 0423049410 O 02/01/35 0 9783149 E22/U57 F 164,000.00 ZZ 360 163,836.74 1 6.0000 983.26 84 5.7500 983.26 CHARLESTON SC 29412 5 01/18/05 10 0423085943 05 03/01/05 12.0000 0423085943 O 02/01/35 0 9783181 E22/U57 F 155,000.00 ZZ 360 154,849.35 1 6.1250 941.80 74 5.8750 941.80 STERLING HEIGHMI 48310 1 01/24/05 00 0422042796 05 03/01/05 0.0000 0422042796 O 02/01/35 0 9783219 E82/G02 F 164,200.00 T 360 164,044.20 1 6.2500 1011.01 74 6.0000 1011.01 HOLLAND MI 49424 2 01/24/05 00 0401064605 05 03/01/05 0.0000 0401064605 O 02/01/35 0 9783441 U05/G02 F 76,000.00 ZZ 360 75,937.70 1 7.0000 505.63 80 6.7500 505.63 LANCASTER TX 75134 2 01/19/05 00 0438910721 05 03/01/05 0.0000 3000695138 N 02/01/35 0 9783535 B43/G02 F 166,250.00 ZZ 360 166,099.71 1 6.5000 1050.81 95 6.2500 1050.81 RUCKERSVILLE VA 22968 1 01/20/05 01 0438890394 03 03/01/05 30.0000 55400 O 02/01/35 0 9783959 E22/U57 F 427,500.00 ZZ 360 427,174.70 1 7.3750 2952.64 94 7.1250 2952.64 EAST WINDSOR NJ 08520 5 01/06/05 01 0422755066 05 03/01/05 30.0000 0422755066 O 02/01/35 0 9783973 E22/U57 F 56,000.00 TX 360 55,952.95 1 6.8750 367.88 70 6.6250 367.88 ARLINGTON TX 76013 5 01/25/05 00 0422799668 05 03/01/05 0.0000 0422799668 N 02/01/35 0 9783983 E22/G02 F 65,600.00 ZZ 360 65,546.23 1 7.0000 436.44 80 6.7500 436.44 BATON ROUGE LA 70811 5 01/25/05 00 0422814723 05 03/01/05 0.0000 0422814723 N 02/01/35 0 9783997 E22/U57 F 83,700.00 ZZ 360 83,629.68 1 6.8750 549.85 90 6.6250 549.85 JOHNS ISLAND SC 29455 1 01/05/05 04 0422853580 05 03/01/05 25.0000 0422853580 N 02/01/35 0 9783999 E22/G02 F 164,500.00 ZZ 360 164,358.37 1 6.7500 1066.94 70 6.5000 1066.94 EATONTOWN NJ 07724 5 01/25/05 00 0422855304 05 03/01/05 0.0000 0422855304 N 02/01/35 0 9784001 E22/G02 F 131,250.00 ZZ 360 131,131.35 1 6.5000 829.59 75 6.2500 829.59 GLEN ALLEN VA 23060 5 01/25/05 00 0422857953 05 03/01/05 0.0000 0422857953 N 02/01/35 0 9784017 E22/U57 F 96,800.00 ZZ 360 96,716.66 1 6.7500 627.84 80 6.5000 627.84 ASHEVILLE NC 28806 2 01/25/05 00 0422879031 05 03/01/05 0.0000 0422879031 N 02/01/35 0 9784029 E22/G02 F 135,000.00 ZZ 360 134,641.79 2 6.6250 864.42 90 6.3750 864.42 MIAMI FL 33167 5 01/20/05 10 0422896852 05 03/01/05 25.0000 0422896852 O 02/01/35 0 9784247 E22/U57 F 71,600.00 ZZ 360 71,242.77 1 6.5000 452.56 76 6.2500 452.56 ARLINGTON TX 76010 2 01/25/05 00 0423114412 05 03/01/05 0.0000 0423114412 N 02/01/35 0 9784253 E22/U57 F 76,100.00 ZZ 360 75,215.61 1 6.5000 481.00 88 6.2500 481.00 ARLINGTON TX 76014 2 01/25/05 10 0423119569 05 03/01/05 25.0000 0423119569 N 02/01/35 0 9784263 E22/U57 F 52,500.00 ZZ 360 52,449.84 1 6.6250 336.16 69 6.3750 336.16 BURTON MI 48519 5 01/25/05 00 0423140813 05 03/01/05 0.0000 0423140813 N 02/01/35 0 9784273 E22/U57 F 116,640.00 ZZ 360 116,557.68 2 7.7500 835.62 90 7.5000 835.62 CHARLOTTE NC 28205 1 01/24/05 10 0422377473 05 03/01/05 25.0000 0422377473 N 02/01/35 0 9784441 H49/G02 F 63,750.00 ZZ 360 63,700.27 1 7.2500 434.89 71 7.0000 434.89 TULSA OK 74127 2 01/06/05 00 0438894842 05 03/01/05 0.0000 622723306 N 02/01/35 0 9784447 J53/J53 F 196,000.00 TX 360 195,319.29 1 6.7500 1271.25 80 6.5000 1271.25 ROCKPORT TX 78382 5 10/25/04 00 899040297 05 12/01/04 0.0000 899040297 O 11/01/34 0 9784467 F34/G02 F 123,500.00 ZZ 360 123,382.82 1 6.2500 760.41 60 6.0000 760.41 MARYSVILLE WA 98270 1 01/20/05 00 0438892119 03 03/01/05 0.0000 4900411166 N 02/01/35 0 9784559 Q14/G02 F 120,000.00 ZZ 360 119,891.52 1 6.5000 758.48 80 6.2500 758.48 OVERLAND PARK KS 66204 2 01/26/05 00 0438895773 05 03/01/05 0.0000 0000524529 N 02/01/35 0 9784567 H81/U57 F 63,000.00 ZZ 360 62,949.62 4 7.1250 424.44 90 6.8750 424.44 PESHTIGO WI 54157 1 01/18/05 10 0438894982 05 03/01/05 25.0000 40040171 N 02/01/35 0 9784827 E22/G02 F 91,000.00 ZZ 360 90,921.66 1 6.7500 590.22 73 6.5000 590.22 REDFORD MI 48240 5 01/26/05 00 0422976290 05 03/01/05 0.0000 0422976290 N 02/01/35 0 9784907 E22/G02 F 135,000.00 ZZ 360 134,877.96 4 6.5000 853.29 90 6.2500 853.29 KALAMZOO MI 49048 2 01/26/05 04 0423040872 05 03/01/05 25.0000 0423040872 N 02/01/35 0 9785015 E22/G02 F 185,000.00 ZZ 360 184,832.75 1 6.5000 1169.33 74 6.2500 1169.33 LEXINGTON KY 40511 5 01/26/05 00 0423126887 09 03/01/05 0.0000 0423126887 N 02/01/35 0 9785029 E22/G02 F 184,000.00 ZZ 360 183,829.58 1 6.3750 1147.92 80 6.1250 1147.92 METAIRIE LA 70002 5 01/20/05 00 0423158948 05 03/01/05 0.0000 0423158948 O 02/01/35 0 9785031 E22/G02 F 126,500.00 ZZ 360 126,388.40 4 6.6250 809.99 77 6.3750 809.99 HARVEY LA 70058 2 01/26/05 00 0423160589 05 03/01/05 0.0000 0423160589 N 02/01/35 0 9785049 E22/G02 F 167,000.00 TX 360 166,852.66 1 6.6250 1069.32 80 6.3750 1069.32 ARGYLE TX 76226 5 01/21/05 00 0422611848 05 03/01/05 0.0000 0422611848 O 02/01/35 0 9785103 E82/G02 F 86,700.00 ZZ 360 86,625.36 1 6.7500 562.33 85 6.5000 562.33 NEW BRAUNFELS TX 78130 2 01/24/05 04 0401062823 05 03/01/05 12.0000 0401062823 O 02/01/35 0 9785121 E82/G02 F 188,000.00 ZZ 360 187,817.27 1 6.1250 1142.31 80 5.8750 1142.31 UNIVERSITY PLAWA 98466 2 01/24/05 00 0401063318 05 03/01/05 0.0000 0401063318 O 02/01/35 0 9785125 E82/G02 F 131,800.00 ZZ 360 131,674.94 1 6.2500 811.52 84 6.0000 811.52 RIVERTON UT 84065 2 01/26/05 04 0401059084 05 03/01/05 20.0000 0401059084 N 02/01/35 0 9785831 H49/G02 F 155,000.00 ZZ 360 154,856.44 1 6.3750 967.00 72 6.1250 967.00 OAK FOREST IL 60452 5 12/30/04 00 0438895435 05 03/01/05 0.0000 622403 O 02/01/35 0 9785945 F36/G02 F 300,000.00 ZZ 360 299,722.14 1 6.3750 1871.61 80 6.1250 1871.61 OLYMPIA WA 98516 5 01/12/05 00 0438895401 05 03/01/05 0.0000 06408893 O 02/01/35 0 9785961 W08/G02 F 293,250.00 ZZ 360 292,984.90 1 6.5000 1853.54 85 6.2500 1853.54 MIAMI FL 33032 5 01/24/05 11 0438894784 05 03/01/05 12.0000 046309M O 02/01/35 0 9785981 S43/G02 F 211,500.00 ZZ 360 211,294.43 1 6.1250 1285.10 90 5.8750 1285.10 ALBUQUERQUE NM 87122 1 01/21/05 01 0438895005 05 03/01/05 25.0000 0948923000 O 02/01/35 0 9786059 N74/G02 F 54,000.00 ZZ 360 53,915.49 1 7.2500 368.38 90 7.0000 368.38 HIGH POINT NC 27262 1 01/14/05 10 0438893885 05 02/14/05 25.0000 2200002929 N 01/14/35 0 9786129 E82/G02 F 69,500.00 ZZ 360 69,440.16 1 6.7500 450.78 93 6.5000 450.78 SIX LAKES MI 48886 2 01/26/05 04 0401064423 05 03/01/05 30.0000 0401064423 O 02/01/35 0 9786145 E82/G02 F 206,500.00 ZZ 360 206,304.07 1 6.2500 1271.45 62 6.0000 1271.45 COLTON CA 92324 2 01/26/05 00 0401060942 05 03/01/05 0.0000 0401060942 O 02/01/35 0 9786155 E82/G02 F 66,000.00 ZZ 360 65,938.88 1 6.3750 411.75 80 6.1250 411.75 JACKSONVILLE FL 32209 2 01/28/05 00 0401070842 05 03/01/05 0.0000 0401070842 N 02/01/35 0 9786187 E82/G02 F 241,600.00 ZZ 360 241,359.49 1 6.0000 1448.51 80 5.7500 1448.51 LAKE WORTH FL 33467 5 01/26/05 00 0401065461 03 03/01/05 0.0000 0401065461 O 02/01/35 0 9786221 E82/G02 F 155,400.00 ZZ 360 155,256.06 1 6.3750 969.50 80 6.1250 969.50 MERRILL MI 48637 2 01/26/05 00 0401062401 05 03/01/05 0.0000 0401062401 O 02/01/35 0 9786251 E22/G02 F 182,400.00 ZZ 360 182,400.00 1 6.8750 1045.00 80 6.6250 1045.00 LAYTON UT 84040 2 01/21/05 00 0422978403 05 03/01/05 0.0000 0422978403 N 02/01/35 0 9786313 E22/G02 F 89,550.00 ZZ 360 89,478.39 4 7.1250 603.31 90 6.8750 603.31 DECATUR AL 35601 1 01/27/05 10 0423031863 05 03/01/05 25.0000 0423031863 N 02/01/35 0 9786461 E22/U57 F 52,250.00 ZZ 360 52,200.43 1 6.2500 321.71 95 6.0000 321.71 HIALEAH GARDENFL 33016 1 01/27/05 01 0422506121 08 03/01/05 30.0000 0422506121 O 02/01/35 0 9786525 E22/G02 F 200,000.00 ZZ 360 199,827.80 2 6.7500 1297.20 80 6.5000 1297.20 SAINT PAUL MN 55104 5 01/27/05 00 0422900258 05 03/01/05 0.0000 0422900258 N 02/01/35 0 9786849 U85/U57 F 105,400.00 ZZ 360 105,327.39 1 7.8700 763.86 85 7.6200 763.86 NEW BERLIN WI 53151 1 01/27/05 48 0438895856 05 03/01/05 25.0000 0501070000 N 02/01/35 0 9786871 962/G02 F 83,070.00 ZZ 360 83,001.90 2 7.0000 552.67 90 6.7500 552.67 MOORHEAD MN 56560 1 01/27/05 04 0438898843 05 03/01/05 25.0000 1 N 02/01/35 0 9786921 B43/G02 F 39,000.00 ZZ 360 38,968.81 1 7.1250 262.75 75 6.8750 262.75 ANDERSON SC 29621 2 01/25/05 00 0438895443 05 03/01/05 0.0000 55217 N 02/01/35 0 9786929 W49/G02 F 237,500.00 ZZ 360 237,274.65 1 6.2500 1462.33 93 6.0000 1462.33 GOODE VA 24556 5 01/22/05 14 0438896144 05 03/01/05 30.0000 591696 O 02/01/35 0 9787369 E22/U57 F 134,400.00 ZZ 360 134,281.42 2 6.6250 860.58 80 6.3750 860.58 PUEBLO CO 81005 1 01/28/05 00 0423083336 05 03/01/05 0.0000 0423083336 N 02/01/35 0 9787375 E22/U57 F 109,250.00 ZZ 360 109,146.34 1 6.2500 672.67 95 6.0000 672.67 HOUSTON TX 77064 1 01/28/05 04 0423085687 03 03/01/05 30.0000 0423085687 N 02/01/35 0 9787387 E22/U57 F 72,250.00 ZZ 360 72,187.80 1 6.7500 468.61 85 6.5000 468.61 SAN ANTONIO TX 78214 1 01/28/05 10 0423090117 05 03/01/05 20.0000 0423090117 N 02/01/35 0 9787397 E22/U57 F 188,900.00 ZZ 360 188,737.36 1 6.7500 1225.20 90 6.5000 1225.20 HAVERHILL MA 01835 1 01/28/05 01 0423096171 01 03/01/05 25.0000 0423096171 O 02/01/35 0 9787401 E22/U57 F 75,500.00 ZZ 360 75,430.07 1 6.3750 471.02 77 6.1250 471.02 MARTINEZ GA 30907 2 01/28/05 00 0423099738 05 03/01/05 0.0000 0423099738 N 02/01/35 0 9787429 E22/U57 F 167,300.00 ZZ 360 167,141.26 1 6.2500 1030.09 90 6.0000 1030.09 LENEXA KS 66215 5 01/24/05 10 0423116086 05 03/01/05 25.0000 0423116086 O 02/01/35 0 9787457 E22/G02 F 63,000.00 ZZ 360 62,943.05 1 6.5000 398.20 90 6.2500 398.20 WHITEVILLE NC 28472 1 01/28/05 10 0422705939 05 03/01/05 25.0000 0422705939 N 02/01/35 0 9787489 E22/U57 F 166,200.00 ZZ 360 166,042.30 1 6.2500 1023.32 95 6.0000 1023.32 PORT ST LUCIE FL 34953 1 01/28/05 10 0422826123 05 03/01/05 30.0000 0422826123 O 02/01/35 0 9787541 E22/U57 F 188,000.00 ZZ 360 187,845.90 1 7.0000 1250.77 79 6.7500 1250.77 VIRGINIA BEACHVA 23453 1 01/28/05 00 0422902999 05 03/01/05 0.0000 0422902999 N 02/01/35 0 9787563 E22/G02 F 58,500.00 ZZ 360 58,447.12 1 6.5000 369.76 90 6.2500 369.76 WHITEVILLE NC 28472 1 01/28/05 10 0422924712 05 03/01/05 25.0000 0422924712 N 02/01/35 0 9787565 E22/U57 F 342,000.00 ZZ 360 341,705.54 2 6.7500 2218.21 90 6.5000 2218.21 BELLEVILLE NJ 07109 1 01/28/05 04 0422924761 05 03/01/05 25.0000 0422924761 O 02/01/35 0 9787691 E22/G02 F 81,039.00 ZZ 360 80,972.58 4 7.0000 539.15 90 6.7500 539.15 KALAMAZOO MI 49001 1 01/28/05 04 0422999805 05 03/01/05 25.0000 0422999805 N 02/01/35 0 9787707 E22/U57 F 87,550.00 ZZ 360 87,481.70 1 7.2500 597.25 85 7.0000 597.25 PUEBLO CO 81005 1 01/28/05 10 0423010388 05 03/01/05 20.0000 0423010388 N 02/01/35 0 9787721 E22/U57 F 73,600.00 ZZ 360 73,539.67 4 7.0000 489.66 80 6.7500 489.66 SOUTH BEND IN 46616 1 01/28/05 00 0423015817 05 03/01/05 0.0000 0423015817 N 02/01/35 0 9787729 E22/U57 F 176,000.00 T 360 175,833.01 1 6.2500 1083.66 80 6.0000 1083.66 CAMANO ISLAND WA 98282 5 01/24/05 00 0423018027 05 03/01/05 0.0000 0423018027 O 02/01/35 0 9787735 E22/G02 F 132,000.00 ZZ 360 131,874.75 2 6.2500 812.75 80 6.0000 812.75 NEWBERG OR 97132 2 01/25/05 00 0423023399 05 03/01/05 0.0000 0423023399 N 02/01/35 0 9787737 E22/G02 F 132,000.00 ZZ 360 131,874.75 2 6.2500 812.75 80 6.0000 812.75 NEWBERG OR 97132 2 01/25/05 00 0423024645 05 03/01/05 0.0000 0423024645 N 02/01/35 0 9787739 E22/G02 F 132,000.00 ZZ 360 131,874.75 2 6.2500 812.75 80 6.0000 812.75 NEWBERG OR 97132 2 01/25/05 00 0423024850 05 03/01/05 0.0000 0423024850 N 02/01/35 0 9787757 E22/U57 F 219,000.00 ZZ 360 218,797.16 1 6.3750 1366.28 75 6.1250 1366.28 FIFE WA 98424 5 01/21/05 00 0423030402 05 03/01/05 0.0000 0423030402 O 02/01/35 0 9787797 E22/G02 F 90,400.00 ZZ 360 90,324.06 4 6.8750 593.86 80 6.6250 593.86 HUNTSVILLE AL 35816 1 01/28/05 00 0423057736 05 03/01/05 0.0000 0423057736 N 02/01/35 0 9787825 E22/U57 F 74,520.00 ZZ 360 74,460.40 1 7.1250 502.06 90 6.8750 502.06 FORT WORTH TX 76133 1 01/28/05 10 0423125574 05 03/01/05 25.0000 0423125574 N 02/01/35 0 9787827 E22/U57 F 181,050.00 ZZ 360 180,878.21 1 6.2500 1114.76 85 6.0000 1114.76 GOODYEAR AZ 85338 1 01/20/05 01 0423126424 03 03/01/05 20.0000 0423126424 N 02/01/35 0 9787847 E22/G02 F 108,500.00 ZZ 360 108,415.36 3 7.2500 740.16 65 7.0000 740.16 FORT MYERS FL 33916 5 01/28/05 00 0423136993 05 03/01/05 0.0000 0423136993 N 02/01/35 0 9787863 E22/G02 F 81,000.00 ZZ 360 80,928.54 1 6.6250 518.65 90 6.3750 518.65 FORT WORTH TX 76137 1 01/28/04 10 0423159946 09 03/01/05 25.0000 0423159946 N 02/01/35 0 9787917 E22/G02 F 297,000.00 ZZ 360 296,756.55 3 7.0000 1975.95 75 6.7500 1975.95 FRAMINGHAM MA 01702 1 01/28/05 00 0423209055 05 03/01/05 0.0000 0423209055 N 02/01/35 0 9788831 U05/G02 F 100,000.00 ZZ 360 99,909.60 1 6.5000 632.07 80 6.2500 632.07 BROWNSVILLE TX 78521 1 01/25/05 00 0438897399 05 03/01/05 0.0000 3000707642 N 02/01/35 0 9788909 A50/G02 F 82,500.00 ZZ 360 82,430.69 1 6.8750 541.97 75 6.6250 541.97 ALABASTER AL 35007 5 01/27/05 00 0438898868 05 03/01/05 0.0000 02186666 N 02/01/35 0 9788919 U85/G02 F 67,500.00 ZZ 360 67,441.89 1 6.7500 437.80 69 6.5000 437.80 PANORA IA 50216 5 01/25/05 00 0438900029 05 03/01/05 0.0000 TQSFLANERY N 02/01/35 0 9788931 T44/G02 F 233,500.00 ZZ 360 233,066.31 1 6.3750 1456.74 90 6.1250 1456.74 ALBANY OR 97321 2 12/17/04 14 0438959603 05 02/01/05 25.0000 1132824 O 01/01/35 0 9788991 950/U57 F 208,000.00 ZZ 360 207,829.50 1 7.0000 1383.83 80 6.7500 1383.83 OROVILLE WA 98844 5 01/17/05 00 0438933731 05 03/01/05 0.0000 EG4C366 O 02/01/35 0 9789087 A50/G02 F 100,000.00 ZZ 360 99,915.99 1 6.8750 656.93 65 6.6250 656.93 CHELSEA AL 35043 5 01/27/05 00 0438906604 05 03/01/05 0.0000 02186500 N 02/01/35 0 9789253 E22/U57 F 160,000.00 ZZ 240 159,673.75 1 6.5000 1192.92 70 6.2500 1192.92 CICERO IL 60804 5 01/26/05 00 0423071000 05 03/01/05 0.0000 0423071000 O 02/01/25 0 9789269 E22/U57 F 85,600.00 ZZ 360 85,524.47 1 6.6250 548.11 80 6.3750 548.11 WINDER GA 30680 2 01/31/05 00 0423075027 05 03/01/05 0.0000 0423075027 N 02/01/35 0 9789353 E22/G02 F 50,400.00 ZZ 360 50,357.66 1 6.8750 331.09 80 6.6250 331.09 SPRING LAKE NC 28390 5 01/31/05 00 0422954651 05 03/01/05 0.0000 0422954651 N 02/01/35 0 9789373 E22/G02 F 206,000.00 ZZ 360 205,794.93 1 6.0000 1235.07 61 5.7500 1235.07 LODI CA 95240 1 01/26/05 00 0422968180 05 03/01/05 0.0000 0422968180 N 02/01/35 0 9789385 E22/U57 F 136,000.00 ZZ 360 135,885.75 2 6.8750 893.42 80 6.6250 893.42 SALT LAKE CITYUT 84106 5 01/26/05 00 0422975276 05 03/01/05 0.0000 0422975276 N 02/01/35 0 9789449 E22/U57 F 86,700.00 ZZ 360 86,628.93 2 7.0000 576.82 85 6.7500 576.82 CHATTANOOGA TN 37411 2 01/31/05 10 0423081983 05 03/01/05 20.0000 0423081983 N 02/01/35 0 9789475 E22/U57 F 100,000.00 ZZ 360 99,911.77 1 6.6250 640.31 80 6.3750 640.31 WINDER GA 30680 2 01/31/05 00 0423087071 05 03/01/05 0.0000 0423087071 N 02/01/35 0 9789567 E22/U57 F 220,000.00 ZZ 360 219,810.58 1 6.7500 1426.92 80 6.5000 1426.92 GODDARD KS 67052 1 01/31/05 00 0423115609 05 03/01/05 0.0000 0423115609 O 02/01/35 0 9789571 E22/U57 F 188,000.00 ZZ 360 187,834.14 1 6.6250 1203.78 80 6.3750 1203.78 THORNTON CO 80602 2 01/25/05 00 0423117928 03 03/01/05 0.0000 0423117928 O 02/01/35 0 9789601 E22/G02 F 202,200.00 ZZ 360 201,912.73 1 6.3750 1261.46 84 6.1250 1261.46 SUMMERVILLE SC 29483 2 01/31/05 10 0422560250 05 03/01/05 25.0000 0422560250 O 02/01/35 0 9789677 E22/G02 F 65,250.00 ZZ 360 65,195.18 1 6.8750 428.65 90 6.6250 428.65 COLUMBUS OH 43219 1 01/31/05 01 0422797886 05 03/01/05 25.0000 0422797886 N 02/01/35 0 9789739 E22/G02 F 182,700.00 ZZ 360 182,700.00 1 7.1250 1084.78 95 6.8750 1084.78 BUNKER HILL WV 25413 5 01/25/05 10 0422995118 05 03/01/05 30.0000 0422995118 O 02/01/35 0 9789741 E22/U57 F 220,000.00 ZZ 360 219,805.90 1 6.6250 1408.68 85 6.3750 1408.68 ROSEDALE MD 21237 5 01/25/05 01 0422996231 05 03/01/05 12.0000 0422996231 O 02/01/35 0 9789779 E22/G02 F 73,300.00 ZZ 240 73,154.96 1 6.7500 557.35 75 6.5000 557.35 CREEKSIDE PA 15732 5 01/31/05 00 0423012830 05 03/01/05 0.0000 0423012830 N 02/01/25 0 9789797 E22/G02 F 55,640.00 ZZ 360 55,590.91 4 6.6250 356.27 80 6.3750 356.27 DAYTON OH 45414 1 01/31/05 00 0423022813 05 03/01/05 0.0000 0423022813 N 02/01/35 0 9789829 E22/U57 F 252,400.00 ZZ 360 252,182.69 1 6.7500 1637.06 80 6.5000 1637.06 MISSOURI CITY TX 77459 1 01/31/05 00 0423037316 03 03/01/05 0.0000 0423037316 O 02/01/35 0 9789837 E22/G02 F 54,713.00 ZZ 360 54,662.32 1 6.3750 341.34 80 6.1250 341.34 HARRISBURG PA 17110 1 01/31/05 00 0423038553 05 03/01/05 0.0000 0423038553 O 02/01/35 0 9789957 E22/U57 F 420,000.00 ZZ 360 419,154.65 1 6.1250 2551.96 80 5.8750 2551.96 DELAWARE OH 43015 5 01/26/05 00 0423167022 05 03/01/05 0.0000 0423167022 O 02/01/35 0 9790005 E22/G02 F 81,000.00 ZZ 360 80,928.54 1 6.6250 518.65 90 6.3750 518.65 FORT WORTH TX 76137 1 01/31/05 10 0423201169 09 03/01/05 25.0000 0423201169 N 02/01/35 0 9790011 E22/U57 F 53,550.00 ZZ 360 53,502.75 1 6.6250 342.89 85 6.3750 342.89 CANYON LAKE TX 78133 1 01/26/05 04 0423203900 05 03/01/05 35.0000 0423203900 N 02/01/35 0 9790025 E22/U57 F 83,500.00 ZZ 360 83,420.78 1 6.2500 514.12 26 6.0000 514.12 ORANGEVALE CA 95662 5 01/25/05 00 0423214469 05 03/01/05 0.0000 0423214469 N 02/01/35 0 9790041 E82/G02 F 83,680.00 ZZ 360 83,602.50 1 6.3750 522.05 80 6.1250 522.05 ATWATER OH 44201 1 01/31/05 00 0401065883 05 03/01/05 0.0000 0401065883 N 02/01/35 0 9790279 E82/G02 F 270,000.00 ZZ 360 269,743.82 1 6.2500 1662.43 47 6.0000 1662.43 GRASS VALLEY CA 95945 5 01/27/05 00 0401065909 05 03/01/05 0.0000 0401065909 O 02/01/35 0 9790369 U05/G02 F 89,000.00 ZZ 360 88,925.23 4 6.8750 584.67 78 6.6250 584.67 SAN ANTONIO TX 78209 1 01/28/05 00 0438899817 05 03/01/05 0.0000 3000705521 N 02/01/35 0 9790495 S27/G02 F 144,301.00 ZZ 360 144,170.54 1 6.5000 912.09 90 6.2500 912.09 WEST MELBOURNEFL 32904 1 01/28/05 10 0438898413 03 03/01/05 25.0000 1970001339 N 02/01/35 0 9790527 A50/G02 F 199,000.00 ZZ 360 198,801.89 1 6.0000 1193.11 69 5.7500 1193.11 JASPER AL 35504 5 01/10/05 00 0438899114 05 03/01/05 0.0000 1201649 O 02/01/35 0 9790557 L20/G02 F 192,000.00 ZZ 360 191,826.43 2 6.5000 1213.57 80 6.2500 1213.57 SALT LAKE CITYUT 84105 1 01/28/05 00 0438899528 05 03/01/05 0.0000 1031010715 N 02/01/35 0 9790563 Y21/G02 F 173,600.00 TX 360 173,443.06 1 6.5000 1097.27 80 6.2500 1097.27 AUSTIN TX 78749 5 01/20/05 00 0438899312 05 03/01/05 0.0000 204886911 O 02/01/35 0 9790613 Z03/G02 F 150,000.00 T 360 149,857.67 1 6.2500 923.58 70 6.0000 923.58 THE VILLAGES FL 32162 1 01/13/05 00 0438924375 05 03/01/05 0.0000 1068014487 O 02/01/35 0 9792481 E22/U57 F 153,000.00 ZZ 360 152,861.69 1 6.5000 967.06 90 6.2500 967.06 MESQUITE TX 75150 2 01/27/05 10 0423104546 05 03/01/05 25.0000 0423104546 O 02/01/35 0 9792527 E22/G02 F 125,400.00 ZZ 360 125,277.71 1 6.5000 792.61 95 6.2500 792.61 PALM HARBOR FL 34684 1 02/01/05 10 0423069517 03 03/01/05 30.0000 0423069517 O 02/01/35 0 9792549 E22/G02 F 55,000.00 ZZ 360 54,950.28 1 6.5000 347.64 70 6.2500 347.64 DETROIT MI 48224 5 02/01/05 00 0423100924 05 03/01/05 0.0000 0423100924 N 02/01/35 0 9792575 E22/G02 F 91,800.00 ZZ 360 91,726.59 1 7.1250 618.47 90 6.8750 618.47 VIRGINIA BEACHVA 23462 1 02/01/05 10 0423023829 07 03/01/05 25.0000 0423023829 N 02/01/35 0 9792597 E22/G02 F 55,575.00 ZZ 360 55,533.75 1 7.5000 388.59 95 7.2500 388.59 CENTRALIA IL 62801 5 01/27/05 10 0422957803 05 03/01/05 30.0000 0422957803 O 02/01/35 0 9792639 E22/U57 F 129,582.00 ZZ 360 129,473.14 1 6.8750 851.26 85 6.6250 851.26 NORTH PORT FL 34288 1 01/28/05 10 0422896894 05 03/01/05 20.0000 0422896894 N 02/01/35 0 9792681 E22/G02 F 59,805.00 ZZ 360 59,709.06 1 7.1250 402.92 90 6.8750 402.92 CONWAY AR 72032 1 12/21/04 10 0422745976 05 02/01/05 25.0000 0422745976 N 01/01/35 0 9792691 E22/G02 F 85,500.00 ZZ 360 85,429.92 1 7.0000 568.83 95 6.7500 568.83 BRIDGEPORT CT 06606 5 01/27/05 01 0422841726 01 03/01/05 30.0000 0422841726 O 02/01/35 0 9792841 H76/G02 F 240,000.00 ZZ 360 239,793.36 1 6.7500 1556.64 79 6.5000 1556.64 DULUTH MN 55811 5 01/20/05 00 0438906976 05 03/01/05 0.0000 607904 O 02/01/35 0 9794151 S27/G02 F 102,400.00 ZZ 360 102,302.84 1 6.2500 630.49 80 6.0000 630.49 MONROE LA 71201 2 02/01/05 00 0438911661 05 03/01/05 0.0000 2010030381 N 02/01/35 0 9794159 477/U57 F 220,000.00 ZZ 360 219,791.25 1 6.2500 1354.58 80 6.0000 1354.58 ANAHEIM CA 92801 5 01/24/05 00 0438911307 01 03/01/05 0.0000 266544 O 02/01/35 0 9794435 U28/G02 F 179,200.00 ZZ 360 179,038.00 1 6.5000 1132.67 80 6.2500 1132.67 CANTON GA 30115 1 01/31/05 00 0438911125 03 03/01/05 0.0000 2000037283 O 02/01/35 0 9794443 588/G02 F 142,000.00 ZZ 360 141,886.45 1 7.1250 956.68 67 6.8750 956.68 COLLINGSWOOD BNJ 08108 1 01/21/05 00 0438897431 05 03/01/05 0.0000 1141031 O 02/01/35 0 9794445 U28/G02 F 109,520.00 ZZ 360 109,425.71 1 6.7500 710.34 80 6.5000 710.34 ACWORTH GA 30102 1 01/28/05 00 0438909566 05 03/01/05 0.0000 2000036958 N 02/01/35 0 9794809 H76/G02 F 56,500.00 ZZ 360 56,455.92 1 7.2500 385.43 65 7.0000 385.43 RIO RANCHO NM 87144 5 01/11/05 00 0438929572 03 03/01/05 0.0000 595181 N 02/01/35 0 9794833 H76/G02 F 344,250.00 ZZ 360 343,960.79 1 6.8750 2261.48 85 6.6250 2261.48 BRISTOL RI 02809 1 01/14/05 01 0438927352 05 03/01/05 12.0000 607420 O 02/01/35 0 9794847 H76/G02 F 150,000.00 ZZ 360 149,870.85 1 6.7500 972.90 58 6.5000 972.90 GAITHERSBURG MD 20879 5 01/26/05 00 0438929846 09 03/01/05 0.0000 2005606723 N 02/01/35 0 9794929 X91/U57 F 304,700.00 ZZ 360 304,410.89 1 6.2500 1876.09 90 6.0000 1876.09 KAILUA KONA HI 96740 1 01/21/05 11 0438909830 03 03/01/05 25.0000 814993 N 02/01/35 0 9795579 962/G02 F 71,550.00 ZZ 360 71,550.00 1 6.7500 464.07 90 6.5000 464.07 MOORHEAD MN 56560 1 02/02/05 04 0438910762 05 04/01/05 25.0000 2005FN7065 N 03/01/35 0 9795783 U05/G02 F 78,000.00 ZZ 360 77,925.99 1 6.2500 480.26 75 6.0000 480.26 FORT PIERCE FL 34950 5 01/28/05 00 0438955379 05 03/01/05 0.0000 3000708564 N 02/01/35 0 9795785 U05/G02 F 144,000.00 ZZ 360 143,866.63 1 6.3750 898.37 75 6.1250 898.37 GILBERT AZ 85234 5 01/28/05 00 0438943425 03 03/01/05 0.0000 3000709006 N 02/01/35 0 9795787 U05/G02 F 89,100.00 ZZ 360 89,015.46 1 6.2500 548.60 90 6.0000 548.60 FORT LAUDERDALFL 33308 1 01/31/05 12 0438931974 01 03/01/05 25.0000 3000710790 N 02/01/35 0 9795789 U05/G02 F 151,150.00 ZZ 360 150,999.53 1 6.0000 906.22 80 5.7500 906.22 PHOENIX AZ 85086 1 01/27/05 00 0438945081 03 03/01/05 0.0000 3000711012 N 02/01/35 0 9795791 U05/G02 F 33,750.00 TX 360 33,722.33 1 7.0000 224.54 75 6.7500 224.54 DALLAS TX 75210 5 01/12/05 00 0438956245 05 03/01/05 0.0000 3000624750 N 02/01/35 0 9795793 U05/G02 F 263,750.00 ZZ 360 263,499.75 1 6.2500 1623.95 80 6.0000 1623.95 FORT LAUDERDALFL 33301 1 01/06/05 00 0438961013 01 03/01/05 0.0000 3000652158 N 02/01/35 0 9795795 U05/G02 F 190,000.00 ZZ 360 189,810.85 1 6.0000 1139.15 76 5.7500 1139.15 AVENTURA FL 33160 1 01/07/05 00 0438958779 01 03/01/05 0.0000 3000673400 O 02/01/35 0 9795797 U05/G02 F 45,000.00 ZZ 360 44,962.19 1 6.8750 295.62 90 6.6250 295.62 HARRISBURG PA 17110 1 01/05/05 10 0438958597 07 03/01/05 25.0000 3000679559 N 02/01/35 0 9795803 U05/G02 F 139,500.00 ZZ 360 139,370.79 1 6.3750 870.30 90 6.1250 870.30 RICHMOND ME 04357 1 01/28/05 10 0438943797 05 03/01/05 25.0000 3000704603 O 02/01/35 0 9795805 U05/G02 F 71,200.00 ZZ 360 71,138.70 1 6.7500 461.80 80 6.5000 461.80 HOLLYWOOD FL 33023 1 01/24/05 00 0438945370 05 03/01/05 0.0000 3000704622 N 02/01/35 0 9795807 U05/G02 F 190,000.00 ZZ 360 189,810.85 1 6.0000 1139.15 79 5.7500 1139.15 TAMPA FL 33614 5 01/14/05 00 0438958506 03 03/01/05 0.0000 3000705017 O 02/01/35 0 9795809 U05/G02 F 78,435.00 ZZ 360 78,369.11 1 6.8750 515.26 90 6.6250 515.26 LANCASTER TX 75146 1 01/12/05 10 0438956054 05 03/01/05 25.0000 3000705111 N 02/01/35 0 9795811 U05/G02 F 132,500.00 ZZ 360 132,368.10 1 6.0000 794.40 74 5.7500 794.40 SPOKANE WA 99212 5 01/14/05 00 0438961005 05 03/01/05 0.0000 3000705295 O 02/01/35 0 9795813 U05/G02 F 251,600.00 ZZ 360 251,393.77 1 7.0000 1673.90 80 6.7500 1673.90 SCOTTSDALE AZ 85254 1 01/27/05 00 0438926214 05 03/01/05 0.0000 3000706719 N 02/01/35 0 9795815 U05/G02 F 68,000.00 ZZ 360 67,937.02 2 6.3750 424.23 80 6.1250 424.23 FORT WAYNE IN 46808 1 01/26/05 00 0438934416 05 03/01/05 0.0000 3000706759 N 02/01/35 0 9795817 U05/G02 F 64,000.00 ZZ 360 63,940.72 2 6.3750 399.28 80 6.1250 399.28 FORT WAYNE IN 46808 1 01/26/05 00 0438943367 05 03/01/05 0.0000 3000706778 N 02/01/35 0 9795819 U05/G02 F 68,000.00 ZZ 360 67,937.02 2 6.3750 424.23 80 6.1250 424.23 FORT WAYNE IN 46808 1 01/26/05 00 0438943441 05 03/01/05 0.0000 3000706789 N 02/01/35 0 9795823 U05/G02 F 340,000.00 T 360 339,692.64 1 6.5000 2149.03 80 6.2500 2149.03 SPRING LAKE MI 49456 5 01/24/05 00 0438955437 29 03/01/05 0.0000 3000707152 O 02/01/35 0 9795825 U05/G02 F 91,800.00 ZZ 360 91,719.00 1 6.6250 587.81 90 6.3750 587.81 NAMPA ID 83651 1 01/24/05 12 0438938516 05 03/01/05 25.0000 3000707167 N 02/01/35 0 9795827 U05/G02 F 126,200.00 ZZ 360 126,091.35 2 6.7500 818.53 90 6.5000 818.53 CEDAR PARK TX 78613 1 01/31/05 10 0438933996 05 03/01/05 25.0000 3000707209 N 02/01/35 0 9795829 U05/G02 F 139,500.00 ZZ 360 139,373.90 1 6.5000 881.73 75 6.2500 881.73 AARONSBURG PA 16820 5 01/21/05 00 0438961021 05 03/01/05 0.0000 3000707255 O 02/01/35 0 9795831 U05/G02 F 161,250.00 ZZ 360 161,097.00 1 6.2500 992.84 75 6.0000 992.84 BANNING CA 92220 5 01/25/05 00 0438938433 05 03/01/05 0.0000 3000707275 N 02/01/35 0 9795833 U05/G02 F 198,750.00 ZZ 360 198,561.42 1 6.2500 1223.74 75 6.0000 1223.74 BANNING CA 92220 5 01/25/05 00 0438938474 05 03/01/05 0.0000 3000707285 N 02/01/35 0 9795839 U05/G02 F 195,000.00 ZZ 360 194,819.39 1 6.3750 1216.55 75 6.1250 1216.55 TAMPA FL 33606 1 01/31/05 00 0438957565 05 03/01/05 0.0000 3000708140 N 02/01/35 0 9795841 U05/G02 F 151,110.00 ZZ 360 150,976.68 1 6.6250 967.57 90 6.3750 967.57 MIAMI FL 33137 1 01/21/05 10 0438934127 01 03/01/05 25.0000 3000708170 N 02/01/35 0 9795843 U05/G02 F 56,700.00 ZZ 360 56,649.97 1 6.6250 363.06 90 6.3750 363.06 MIAMI FL 33161 1 01/20/05 10 0438934200 01 03/01/05 25.0000 3000703946 N 02/01/35 0 9795845 U05/G02 F 148,500.00 ZZ 360 148,372.14 1 6.7500 963.17 90 6.5000 963.17 NAPLES FL 34112 1 01/21/05 10 0438960643 01 03/01/05 25.0000 3000701635 N 02/01/35 0 9795847 U05/G02 F 132,000.00 ZZ 360 131,889.10 4 6.8750 867.15 80 6.6250 867.15 EAGLE PASS TX 78852 1 01/21/05 00 0438937906 05 03/01/05 0.0000 3000701663 N 02/01/35 0 9795849 U05/G02 F 196,000.00 ZZ 360 195,814.02 1 6.2500 1206.81 67 6.0000 1206.81 FT. LAUDERDALEFL 33309 5 01/07/05 00 0438961039 05 03/01/05 0.0000 3000701746 O 02/01/35 0 9795851 U05/G02 F 291,850.00 T 360 291,598.73 1 6.7500 1892.93 90 6.5000 1892.93 MIRAMAR FL 33027 1 01/14/05 10 0438956641 03 03/01/05 25.0000 3000701829 O 02/01/35 0 9795853 U05/G02 F 199,000.00 ZZ 360 198,806.59 1 6.1250 1209.14 55 5.8750 1209.14 MANTECA CA 95336 5 01/20/05 00 0438947442 05 03/01/05 0.0000 3000702014 O 02/01/35 0 9795855 U05/G02 F 153,000.00 ZZ 360 152,851.30 1 6.1250 929.64 67 5.8750 929.64 CORPUS CHRISTITX 78404 2 01/21/05 00 0438959322 05 03/01/05 0.0000 3000702164 O 02/01/35 0 9795861 U05/G02 F 102,400.00 ZZ 360 102,298.06 2 6.0000 613.94 80 5.7500 613.94 ALBUQUERQUE NM 87102 1 01/07/05 00 0438961195 05 03/01/05 0.0000 3000702521 N 02/01/35 0 9795863 U05/G02 F 66,000.00 ZZ 360 65,934.30 2 6.0000 395.70 80 5.7500 395.70 ALBUQUERQUE NM 87107 1 01/07/05 00 0438934507 05 03/01/05 0.0000 3000702529 N 02/01/35 0 9795867 U05/G02 F 69,600.00 ZZ 360 69,537.08 1 6.5000 439.92 86 6.2500 439.92 SEAGOVILLE TX 75159 2 01/21/05 10 0438937211 05 03/01/05 25.0000 3000702568 N 02/01/35 0 9795871 U05/G02 F 116,100.00 ZZ 360 115,997.57 1 6.6250 743.40 90 6.3750 743.40 NEWNAN GA 30263 1 01/10/05 10 0438943557 05 03/01/05 25.0000 3000702861 N 02/01/35 0 9795873 U05/G02 F 72,000.00 ZZ 360 71,934.91 2 6.5000 455.09 80 6.2500 455.09 SAN ANTONIO TX 78250 1 01/20/05 00 0438958928 05 03/01/05 0.0000 3000703161 N 02/01/35 0 9795875 U05/G02 F 66,400.00 ZZ 360 66,339.98 2 6.5000 419.69 80 6.2500 419.69 SAN ANTONIO TX 78250 1 01/20/05 00 0438961062 05 03/01/05 0.0000 3000703212 N 02/01/35 0 9795877 U05/G02 F 214,000.00 ZZ 360 213,806.54 1 6.5000 1352.63 77 6.2500 1352.63 ALBUQUERQUE NM 87105 2 01/19/05 00 0438943649 05 03/01/05 0.0000 3000703213 O 02/01/35 0 9795879 U05/G02 F 118,350.00 ZZ 360 118,250.57 1 6.8750 777.48 90 6.6250 777.48 ALBUQUERQUE NM 87111 1 01/07/05 10 0438943847 05 03/01/05 25.0000 3000703220 N 02/01/35 0 9795887 U05/G02 F 294,300.00 ZZ 360 294,052.75 2 6.8750 1933.34 90 6.6250 1933.34 MIAMI FL 33142 1 01/07/05 10 0438956583 07 03/01/05 25.0000 3000701511 N 02/01/35 0 9795889 U05/G02 F 105,200.00 ZZ 360 105,102.57 1 6.3750 656.31 90 6.1250 656.31 DORAL FL 33166 1 01/07/05 10 0438943565 01 03/01/05 25.0000 3000698422 N 02/01/35 0 9795893 U05/G02 F 239,900.00 T 360 239,666.83 1 6.1250 1457.66 80 5.8750 1457.66 NAPLES FL 34103 1 01/25/05 00 0438945479 01 03/01/05 0.0000 3000698835 O 02/01/35 0 9795895 U05/G02 F 160,000.00 ZZ 360 159,848.18 1 6.2500 985.15 80 6.0000 985.15 APOPKA FL 32703 1 01/17/05 00 0438937245 05 03/01/05 0.0000 3000698995 O 02/01/35 0 9795899 U05/G02 F 187,500.00 ZZ 360 187,326.33 1 6.3750 1169.76 77 6.1250 1169.76 LAS VEGAS NV 89110 5 01/04/05 00 0438936429 05 03/01/05 0.0000 3000699290 O 02/01/35 0 9795901 U05/G02 F 193,500.00 ZZ 360 193,316.40 1 6.2500 1191.41 90 6.0000 1191.41 FORT LAUDERDALFL 33312 1 01/06/05 10 0438934457 05 03/01/05 25.0000 3000699358 O 02/01/35 0 9795903 U05/G02 F 50,000.00 ZZ 360 49,958.00 1 6.8750 328.46 63 6.6250 328.46 EL PASO TX 79924 1 01/11/05 00 0438937237 05 03/01/05 0.0000 3000699850 N 02/01/35 0 9795905 U05/G02 F 264,000.00 ZZ 360 263,473.07 1 6.0000 1582.81 80 5.7500 1582.81 ROSEVILLE CA 95747 5 12/31/04 00 0438961088 05 02/01/05 0.0000 3000699886 O 01/01/35 0 9795907 U05/G02 F 77,000.00 TX 360 76,930.39 1 6.5000 486.69 70 6.2500 486.69 CORPUS CHRISTITX 78411 5 01/19/05 00 0438961112 05 03/01/05 0.0000 3000699903 N 02/01/35 0 9795909 U05/G02 F 313,200.00 ZZ 360 312,888.21 1 6.0000 1877.79 90 5.7500 1877.79 MIAMI FL 33136 1 02/01/05 10 0438956690 05 03/01/05 25.0000 3000700027 O 02/01/35 0 9795913 U05/G02 F 211,500.00 ZZ 360 211,317.91 1 6.7500 1371.78 90 6.5000 1371.78 FORT LAUDERDALFL 33311 1 01/14/05 14 0438929853 05 03/01/05 25.0000 3000700381 N 02/01/35 0 9795919 U05/G02 F 132,300.00 ZZ 360 132,188.71 1 6.8750 869.26 90 6.6250 869.26 GRAND PRAIRIE TX 75052 1 01/03/05 10 0438961138 05 03/01/05 25.0000 3000700700 N 02/01/35 0 9795923 U05/G02 F 125,050.00 ZZ 360 124,844.40 1 7.0000 831.96 90 6.7500 831.96 HOMESTEAD FL 33030 1 01/05/05 10 0438961187 03 02/01/05 25.0000 3000701087 N 01/01/35 0 9795929 U05/G02 F 198,000.00 ZZ 360 197,825.30 1 6.6250 1267.82 90 6.3750 1267.82 ROYAL OAK MI 48073 5 01/20/05 10 0438934333 05 03/01/05 25.0000 3000701288 O 02/01/35 0 9795931 U05/G02 F 248,000.00 ZZ 360 247,770.30 2 6.3750 1547.20 90 6.1250 1547.20 FORT LAUDERDALFL 33304 1 01/06/05 12 0438956716 05 03/01/05 25.0000 3000698261 O 02/01/35 0 9795933 U05/G02 F 295,900.00 T 360 295,363.55 1 6.5000 1870.29 80 6.2500 1870.29 BIG BEAR CITY CA 92314 1 12/22/04 00 0438934713 05 02/01/05 0.0000 3000685634 O 01/01/35 0 9795937 U05/G02 F 100,000.00 ZZ 360 99,902.81 1 6.1250 607.61 69 5.8750 607.61 BOYNTON BEACH FL 33436 1 01/04/05 00 0438943516 01 03/01/05 0.0000 3000690799 O 02/01/35 0 9795941 U05/G02 F 234,000.00 ZZ 360 233,575.77 1 6.5000 1479.04 80 6.2500 1479.04 FALMOUTH ME 04105 1 01/06/05 00 0438956021 05 02/01/05 0.0000 3000691680 N 01/01/35 0 9795943 U05/G02 F 266,300.00 ZZ 360 266,053.35 1 6.3750 1661.37 90 6.1250 1661.37 PALM BEACH GARFL 33410 1 01/11/05 10 0438956138 03 03/01/05 25.0000 3000692651 N 02/01/35 0 9795945 U05/G02 F 131,750.00 ZZ 360 131,627.97 1 6.3750 821.95 85 6.1250 821.95 NEW PALESTINE IN 46163 2 01/25/05 10 0438943912 05 03/01/05 25.0000 3000692841 N 02/01/35 0 9795947 U05/G02 F 308,000.00 T 360 307,399.76 1 6.1250 1871.44 80 5.8750 1871.44 GLENDALE CA 91202 1 12/29/04 00 0438959231 01 02/01/05 0.0000 3000693225 O 01/01/35 0 9795949 U05/G02 F 68,850.00 T 360 68,786.24 1 6.3750 429.53 90 6.1250 429.53 TAMPA FL 33604 1 01/25/05 10 0438956187 01 03/01/05 25.0000 3000694047 O 02/01/35 0 9795953 U05/G02 F 131,400.00 ZZ 360 131,289.61 1 6.8750 863.20 90 6.6250 863.20 MIAMI FL 33183 1 01/04/05 10 0438938557 05 03/01/05 25.0000 3000694676 N 02/01/35 0 9795955 U05/G02 F 143,500.00 T 360 143,220.35 1 6.1250 871.92 70 5.8750 871.92 WESTWOOD CA 96137 5 12/27/04 00 0438944019 05 02/01/05 0.0000 3000694682 O 01/01/35 0 9795959 U05/G02 F 180,000.00 ZZ 360 179,841.19 1 6.6250 1152.56 80 6.3750 1152.56 MIAMI FL 33179 1 01/20/05 00 0438931842 05 03/01/05 0.0000 3000696307 O 02/01/35 0 9795961 U05/G02 F 52,500.00 ZZ 360 52,456.97 1 7.0000 349.28 75 6.7500 349.28 WARREN MI 48091 5 01/07/05 00 0438938417 05 03/01/05 0.0000 3000696909 N 02/01/35 0 9795963 U05/G02 F 150,000.00 ZZ 360 149,857.67 1 6.2500 923.58 49 6.0000 923.58 JENSEN BEACH FL 34957 5 01/05/05 00 0438935579 01 03/01/05 0.0000 3000697296 O 02/01/35 0 9795965 U05/G02 F 359,650.00 ZZ 360 358,965.72 1 6.2500 2214.43 72 6.0000 2214.43 CRYSTAL RIVER FL 34428 2 12/30/04 00 0438961179 05 02/01/05 0.0000 3000697523 O 01/01/35 0 9795967 U05/G02 F 230,500.00 T 360 230,286.51 1 6.3750 1438.02 74 6.1250 1438.02 BIG BEAR CITY CA 92314 2 01/01/05 00 0438938466 05 03/01/05 0.0000 3000697673 O 02/01/35 0 9795969 U05/G02 F 227,500.00 ZZ 360 227,278.89 1 6.1250 1382.31 70 5.8750 1382.31 SAINT LOUIS MO 63146 5 01/10/05 00 0438937047 03 03/01/05 0.0000 3000697775 O 02/01/35 0 9795971 U05/G02 F 303,750.00 ZZ 360 303,447.62 1 6.0000 1821.13 75 5.7500 1821.13 NORTH LAS VEGANV 89084 5 01/12/05 00 0438935421 03 03/01/05 0.0000 3000697956 N 02/01/35 0 9795973 U05/G02 F 355,000.00 ZZ 360 354,671.20 1 6.3750 2214.74 75 6.1250 2214.74 VERO BEACH FL 32968 1 01/21/05 00 0438956617 03 03/01/05 0.0000 3000697987 N 02/01/35 0 9795983 U05/G02 F 322,800.00 T 360 322,493.71 1 6.2500 1987.54 80 6.0000 1987.54 SAN JOSE CA 95139 1 01/04/05 00 0438938540 03 03/01/05 0.0000 3000671771 O 02/01/35 0 9796153 E22/G02 F 76,000.00 ZZ 360 76,000.00 1 6.5000 480.37 80 6.2500 480.37 ROWLETT TX 75088 1 02/02/05 00 0423033562 05 04/01/05 0.0000 0423033562 N 03/01/35 0 9796157 E22/U57 F 184,450.00 ZZ 360 184,279.16 1 6.3750 1150.73 85 6.1250 1150.73 MARGATE FL 33068 5 01/26/05 10 0423042282 05 03/01/05 12.0000 0423042282 O 02/01/35 0 9796165 E22/G02 F 84,000.00 ZZ 360 83,929.43 4 6.8750 551.82 80 6.6250 551.82 HUNTSVILLE AL 35816 1 01/28/05 00 0423057694 05 03/01/05 0.0000 0423057694 N 02/01/35 0 9796185 E22/G02 F 170,600.00 ZZ 360 170,460.16 1 7.0000 1135.01 80 6.7500 1135.01 PLANO TX 75025 2 02/02/05 00 0423072594 05 03/01/05 0.0000 0423072594 N 02/01/35 0 9796219 E22/U57 F 330,000.00 ZZ 360 329,686.88 1 6.2500 2031.87 68 6.0000 2031.87 SHERMAN OAKS (CA 91403 5 01/27/05 00 0423025303 05 03/01/05 0.0000 0423025303 O 02/01/35 0 9796283 E22/G02 F 198,000.00 ZZ 360 197,833.66 4 6.8750 1300.72 90 6.6250 1300.72 WESTVILLE NJ 08093 1 01/21/05 04 0422911115 05 03/01/05 25.0000 0422911115 N 02/01/35 0 9796305 E22/U57 F 115,000.00 ZZ 360 114,893.49 1 6.3750 717.45 86 6.1250 717.45 KENNER LA 70065 5 01/28/05 10 0421174673 01 03/01/05 25.0000 0421174673 O 02/01/35 0 9796349 E22/U57 F 191,250.00 ZZ 360 191,250.00 1 7.0000 1272.39 75 6.7500 1272.39 ALLENHURST NJ 07755 1 02/02/05 00 0423117019 05 04/01/05 0.0000 0423117019 N 03/01/35 0 9796355 E22/G02 F 196,000.00 ZZ 360 195,814.02 1 6.2500 1206.81 70 6.0000 1206.81 RAHWAY NJ 07065 5 01/28/05 00 0423127943 05 03/01/05 0.0000 0423127943 O 02/01/35 0 9796365 E22/G02 F 140,800.00 ZZ 360 140,675.77 2 6.6250 901.56 80 6.3750 901.56 MERIDEN CT 06450 1 02/02/05 00 0423135367 05 03/01/05 0.0000 0423135367 O 02/01/35 0 9796369 E22/G02 F 235,600.00 ZZ 360 235,402.07 1 6.8750 1547.72 95 6.6250 1547.72 NORWALK OH 44857 1 02/02/05 04 0423140185 05 03/01/05 35.0000 0423140185 O 02/01/35 0 9796385 E22/G02 F 320,000.00 ZZ 360 319,696.37 1 6.2500 1970.30 80 6.0000 1970.30 UNIONDALE NY 11553 5 01/28/05 00 0423171776 05 03/01/05 0.0000 0423171776 O 02/01/35 0 9796429 E22/G02 F 52,800.00 ZZ 360 52,752.27 1 6.5000 333.73 80 6.2500 333.73 CARENCRO LA 70520 2 02/02/05 00 0423211085 05 03/01/05 0.0000 0423211085 N 02/01/35 0 9796553 E82/G02 F 56,200.00 ZZ 360 55,949.20 1 6.5000 355.22 79 6.2500 355.22 MEMPHIS TN 38111 2 01/20/05 00 0401064621 05 03/01/05 0.0000 0401064621 N 02/01/35 0 9797043 A35/G02 F 320,000.00 ZZ 360 319,681.44 1 6.0000 1918.56 80 5.7500 1918.56 BABYLON NY 11702 5 01/27/05 00 0438960148 05 03/01/05 0.0000 17874 O 02/01/35 0 9797801 P34/G02 F 648,000.00 ZZ 360 646,767.10 1 6.2500 3989.85 80 6.0000 3989.85 REHOBOTH MA 02769 2 12/21/04 00 0438922346 05 02/01/05 0.0000 62963 O 01/01/35 0 9797815 Q14/G02 F 236,000.00 ZZ 360 235,765.06 1 6.0000 1414.94 72 5.7500 1414.94 LEAVENWORTH KS 66048 5 01/26/05 00 0438922122 05 03/01/05 0.0000 0000524513 O 02/01/35 0 9797911 742/G02 F 65,700.00 ZZ 360 65,637.66 2 6.2500 404.53 90 6.0000 404.53 ONEIDA NY 13035 1 01/14/05 11 0438900193 05 03/01/05 25.0000 10625432 N 02/01/35 0 9798101 E22/U57 F 71,200.00 ZZ 360 71,130.80 1 6.1250 432.62 80 5.8750 432.62 SLIDELL LA 70461 5 02/03/05 00 0422962506 05 03/01/05 0.0000 0422962506 N 02/01/35 0 9798107 E22/G02 F 151,500.00 ZZ 360 151,349.18 1 6.0000 908.32 75 5.7500 908.32 LAS VEGAS NV 89142 5 01/27/05 00 0422982660 05 03/01/05 0.0000 0422982660 O 02/01/35 0 9798121 E22/G02 F 85,500.00 ZZ 360 85,500.00 1 7.2500 583.26 90 7.0000 583.26 MANHATTAN KS 66502 2 02/03/05 04 0423023159 05 04/01/05 25.0000 0423023159 N 03/01/35 0 9798157 E22/G02 F 560,000.00 ZZ 360 559,468.65 1 6.2500 3448.02 80 6.0000 3448.02 SANTA MONICA CA 90402 5 01/26/05 00 0423106038 01 03/01/05 0.0000 0423106038 O 02/01/35 0 9798159 E22/G02 F 58,500.00 ZZ 360 58,500.00 1 7.2500 399.07 90 7.0000 399.07 MANHATTAN KS 66502 2 02/03/05 04 0423109271 05 04/01/05 25.0000 0423109271 N 03/01/35 0 9798161 E22/G02 F 63,000.00 ZZ 360 63,000.00 1 7.2500 429.77 90 7.0000 429.77 MANHATTAN KS 66502 2 02/03/05 04 0423109347 05 04/01/05 25.0000 0423109347 N 03/01/35 0 9798163 E22/G02 F 78,320.00 T 360 78,242.03 1 6.0000 469.57 80 5.7500 469.57 SAINT GEORGE UT 84770 1 01/28/05 00 0423109891 01 03/01/05 0.0000 0423109891 O 02/01/35 0 9798165 E22/G02 F 78,320.00 ZZ 360 78,242.03 1 6.0000 469.57 80 5.7500 469.57 WASHINGTON UT 84780 1 01/28/05 00 0423109925 01 03/01/05 0.0000 0423109925 N 02/01/35 0 9798203 E22/G02 F 157,500.00 ZZ 360 157,364.40 1 6.7500 1021.54 90 6.5000 1021.54 GRAND JUNCTIONCO 81504 1 02/03/05 10 0423181536 05 03/01/05 30.0000 0423181536 O 02/01/35 0 9798213 E22/G02 F 84,300.00 ZZ 360 84,221.92 1 6.3750 525.92 77 6.1250 525.92 SLIDELL LA 70458 2 02/03/05 00 0423208842 05 03/01/05 0.0000 0423208842 N 02/01/35 0 9798247 E22/U57 F 85,500.00 ZZ 360 85,424.56 2 6.6250 547.47 90 6.3750 547.47 NEW ORLEANS LA 70116 1 02/03/05 10 0423286541 05 03/01/05 25.0000 0423286541 N 02/01/35 0 9798257 E22/G02 F 237,510.00 ZZ 360 237,284.64 1 6.2500 1462.39 90 6.0000 1462.39 ALBUQUERQUE NM 87122 1 02/02/05 10 0422617092 03 03/01/05 25.0000 0422617092 O 02/01/35 0 9798269 E22/G02 F 180,000.00 ZZ 360 179,876.13 3 7.8750 1305.12 90 7.6250 1305.12 GROVES TX 77619 1 01/31/05 04 0422762849 05 03/01/05 25.0000 0422762849 N 02/01/35 0 9798651 967/U57 F 197,439.00 ZZ 360 197,256.13 1 6.3750 1231.76 90 6.1250 1231.76 RIDGEFIELD WA 98642 1 01/21/05 11 0438925836 05 03/01/05 25.0000 10433456 N 02/01/35 0 9798819 025/025 F 175,000.00 ZZ 360 174,509.65 1 6.3750 1091.78 52 6.1250 1091.78 BEL AIR MD 21014 5 11/09/04 00 0134977040 03 01/01/05 0.0000 0134977040 O 12/01/34 0 9798825 025/025 F 200,000.00 ZZ 360 199,399.70 1 6.0000 1199.10 40 5.7500 1199.10 SCOTTSDALE AZ 85255 5 11/05/04 00 0134984475 03 01/01/05 0.0000 0134984475 O 12/01/34 0 9798835 025/025 F 176,000.00 ZZ 360 175,508.33 1 6.3750 1098.02 80 6.1250 1098.02 ARLINGTON VA 22204 1 11/17/04 00 0134994664 01 01/01/05 0.0000 0134994664 O 12/01/34 0 9798837 025/025 F 570,000.00 ZZ 360 568,329.47 1 6.1250 3463.39 75 5.8750 3463.39 SAN FRANCISCO CA 94110 1 11/15/04 00 0134995513 05 01/01/05 0.0000 0134995513 O 12/01/34 0 9798841 025/025 F 155,000.00 ZZ 360 154,378.15 1 6.0000 929.30 95 5.7500 929.30 CITY OF MILLVINJ 08332 1 10/29/04 04 0134998186 05 12/01/04 30.0000 0134998186 O 11/01/34 0 9798845 025/025 F 152,000.00 ZZ 360 152,000.00 1 6.1250 775.83 80 5.8750 775.83 SACHSE TX 75048 2 12/17/04 00 0141782896 03 02/01/05 0.0000 0141782896 O 01/01/35 0 9798849 025/025 F 143,000.00 ZZ 360 142,610.06 1 6.5000 903.86 59 6.2500 903.86 AVONDALE AZ 85323 1 12/03/04 00 0141919944 03 01/01/05 0.0000 0141919944 O 12/01/34 0 9798851 025/025 F 183,000.00 ZZ 360 182,634.73 1 6.0000 1097.18 80 5.7500 1097.18 MANNING SC 29102 2 12/14/04 00 0142136282 05 02/01/05 0.0000 0142136282 O 01/01/35 0 9798855 025/025 F 429,500.00 ZZ 360 428,513.33 1 6.0000 2575.07 80 5.7500 2575.07 FONTANA CA 92336 1 12/15/04 00 0142210277 05 02/01/05 0.0000 0142210277 O 01/01/35 0 9798857 025/025 F 304,500.00 ZZ 360 303,335.25 1 6.2500 1874.86 61 6.0000 1874.86 CHULA VISTA CA 91915 5 10/29/04 00 0142210368 05 12/01/04 0.0000 0142210368 O 11/01/34 0 9798861 025/025 F 228,000.00 ZZ 360 228,000.00 1 6.0000 1140.00 39 5.7500 1140.00 SAN DIEGO CA 92123 5 11/19/04 00 0142212521 05 01/01/05 0.0000 0142212521 O 12/01/34 0 9798863 025/025 F 540,000.00 ZZ 360 540,000.00 1 6.2500 2812.50 74 6.0000 2812.50 ORANGE CA 92869 5 11/23/04 00 0142212554 05 01/01/05 0.0000 0142212554 O 12/01/34 0 9798867 025/025 F 211,400.00 ZZ 360 211,388.30 1 6.2500 1101.04 90 6.0000 1100.98 FRAZIER PARK ACA 93225 5 10/28/04 04 0142214048 05 12/01/04 25.0000 0142214048 O 11/01/34 0 9798869 025/025 F 450,000.00 ZZ 360 448,500.00 1 6.1250 2296.88 60 5.8750 2289.22 TORRANCE CA 90501 5 11/01/04 00 0142214261 05 12/01/04 0.0000 0142214261 O 11/01/34 0 9798871 025/025 F 560,000.00 ZZ 360 558,290.77 1 6.5000 3539.59 70 6.2500 3539.59 LOS ANGELES CA 90019 5 12/06/04 00 0142214907 05 01/01/05 0.0000 0142214907 O 12/01/34 0 9798877 025/025 F 99,200.00 ZZ 360 98,863.74 1 6.8750 651.68 80 6.6250 651.68 WILMINGTON NC 28403 1 10/06/04 00 0142245315 05 12/01/04 0.0000 0142245315 N 11/01/34 0 9798879 025/025 F 99,200.00 ZZ 360 98,863.74 1 6.8750 651.68 80 6.6250 651.68 WILMINGTON NC 28403 1 10/06/04 00 0142245323 05 12/01/04 0.0000 0142245323 N 11/01/34 0 9798883 025/025 F 112,500.00 ZZ 360 112,230.30 1 6.7500 729.68 90 6.5000 729.68 MYRTLE BEACH SC 29577 1 12/16/04 11 0142245984 01 02/01/05 25.0000 0142245984 N 01/01/35 0 9798897 025/025 F 184,300.00 ZZ 360 183,820.36 1 6.7500 1195.37 95 6.5000 1195.37 BALTIMORE MD 21220 5 11/19/04 14 0142703487 05 01/01/05 30.0000 0142703487 O 12/01/34 0 9798905 025/025 F 399,000.00 ZZ 360 397,734.16 1 6.2500 2456.72 67 6.0000 2456.72 VIDA OR 97488 1 11/12/04 00 0142826114 05 01/01/05 0.0000 0142826114 O 12/01/34 0 9798909 025/025 F 117,500.00 ZZ 360 117,050.54 1 6.2500 723.47 50 6.0000 723.47 SCHAUMBURG IL 60193 1 10/29/04 00 0142857911 01 12/01/04 0.0000 0142857911 O 11/01/34 0 9798925 025/025 F 628,750.00 ZZ 360 627,664.27 1 6.7500 4078.06 78 6.5000 4078.06 PALMER TX 75152 2 12/22/04 00 0201172525 05 02/01/05 0.0000 0201172525 O 01/01/35 0 9798939 025/025 F 72,000.00 ZZ 360 71,741.91 1 6.7500 466.99 80 6.5000 466.99 FLORENCE SC 29501 2 12/15/04 00 0201183944 05 02/01/05 0.0000 0201183944 N 01/01/35 0 9798945 025/025 F 103,200.00 T 360 103,003.65 1 6.2500 635.42 60 6.0000 635.42 PONTE VEDRA BEFL 32082 1 12/20/04 00 0201195997 01 02/01/05 0.0000 0201195997 O 01/01/35 0 9798947 025/025 F 46,257.00 ZZ 360 46,180.94 1 7.0000 307.75 90 6.7500 307.75 WAKE VILLAGE TX 75501 1 12/17/04 12 0201199924 05 02/01/05 25.0000 0201199924 N 01/01/35 0 9798949 025/025 F 51,100.00 ZZ 360 51,015.98 1 7.0000 339.97 70 6.7500 339.97 TEXARKANA TX 75503 1 12/17/04 00 0201205002 05 02/01/05 0.0000 0201205002 N 01/01/35 0 9798983 025/025 F 145,000.00 ZZ 360 143,839.09 1 6.2500 892.79 60 6.0000 892.79 FT PIERCE FL 34949 5 10/22/04 00 0142905546 01 12/01/04 0.0000 0142905546 O 11/01/34 0 9799001 025/025 F 162,500.00 ZZ 360 160,626.08 1 6.2500 846.35 65 6.0000 836.59 CHICAGO IL 60634 1 11/19/04 00 0142914233 05 01/01/05 0.0000 0142914233 O 12/01/34 0 9799007 025/025 F 451,700.00 T 360 450,798.41 1 6.0000 2708.17 56 5.7500 2708.17 BAY HEAD NJ 08742 2 12/10/04 00 0142917616 05 02/01/05 0.0000 0142917616 O 01/01/35 0 9799017 025/025 F 124,000.00 ZZ 360 123,645.18 1 6.2500 763.49 80 6.0000 763.49 TEMPLE GA 30179 1 11/17/04 00 0142920222 05 01/01/05 0.0000 0142920222 N 12/01/34 0 9799021 025/025 F 232,000.00 ZZ 360 231,154.23 1 6.5000 1466.40 80 6.2500 1466.40 STATESBORO GA 30461 2 10/19/04 00 0029233418 05 12/01/04 0.0000 0029233418 O 11/01/34 0 9799025 025/025 F 43,000.00 ZZ 360 42,839.44 1 6.3750 268.26 14 6.1250 268.26 ROME GA 30161 5 10/29/04 00 0029319779 05 12/01/04 0.0000 0029319779 O 11/01/34 0 9799027 025/025 F 247,500.00 ZZ 360 246,791.81 1 6.2500 1523.90 90 6.0000 1523.90 PANAMA CITY FL 32401 1 11/12/04 11 0029319977 05 01/01/05 25.0000 0029319977 N 12/01/34 0 9799033 025/025 F 385,000.00 ZZ 360 385,000.00 1 6.6250 2125.52 77 6.3750 2125.52 MIAMI FL 33137 5 12/10/04 00 0029669645 05 02/01/05 0.0000 0029669645 O 01/01/35 0 9799035 025/025 F 112,500.00 ZZ 360 112,500.00 1 6.8750 644.53 90 6.6250 644.53 WARNER ROBINS GA 31093 1 11/03/04 14 0029684958 05 01/01/05 25.0000 0029684958 N 12/01/34 0 9799063 025/025 F 167,000.00 ZZ 360 166,510.57 1 6.1250 1014.71 28 5.8750 1014.71 LONG GROVE IL 60060 5 11/19/04 00 0142922574 05 01/01/05 0.0000 0142922574 O 12/01/34 0 9799073 025/025 F 147,100.00 ZZ 360 147,099.55 1 6.2500 766.15 80 6.0000 766.14 SHARPSBURG GA 30277 1 11/22/04 00 0142928175 05 01/01/05 0.0000 0142928175 O 12/01/34 0 9799077 025/025 F 171,000.00 ZZ 360 170,468.42 1 6.3750 1066.82 70 6.1250 1066.82 CENTRAL POINT OR 97502 1 11/04/04 00 0142933068 05 01/01/05 0.0000 0142933068 O 12/01/34 0 9799081 025/025 F 156,000.00 ZZ 360 155,574.62 1 6.5000 986.03 75 6.2500 986.03 WISHRAM WA 98673 5 11/30/04 00 0142934827 05 01/01/05 0.0000 0142934827 N 12/01/34 0 9799087 025/025 F 231,800.00 ZZ 360 231,800.00 1 6.2500 1207.29 80 6.0000 1207.29 BEAVERTON OR 97006 1 11/24/04 00 0142937697 03 01/01/05 0.0000 0142937697 O 12/01/34 0 9799089 025/025 F 140,000.00 ZZ 360 139,589.68 1 6.1250 850.66 77 5.8750 850.66 CENTRAL POINT OR 97502 5 11/30/04 00 0142938018 05 01/01/05 0.0000 0142938018 O 12/01/34 0 9799093 025/025 F 201,600.00 ZZ 360 201,600.00 1 6.2500 1050.00 80 6.0000 1050.00 PORTLAND OR 97206 1 11/10/04 00 0142938331 05 01/01/05 0.0000 0142938331 O 12/01/34 0 9799097 025/025 F 208,800.00 ZZ 360 208,800.00 1 6.5000 1131.00 90 6.2500 1131.00 FRESNO CA 93726 5 11/08/04 12 0142944016 05 12/01/04 30.0000 0142944016 O 11/01/34 0 9799099 025/025 F 160,000.00 ZZ 360 159,700.00 1 6.5000 866.67 77 6.2500 865.04 FRESNO CA 93725 5 10/25/04 00 0142944024 05 12/01/04 0.0000 0142944024 O 11/01/34 0 9799103 025/025 F 250,000.00 ZZ 360 249,267.30 1 6.1250 1519.03 49 5.8750 1519.03 PLEASANTON CA 94566 5 12/01/04 00 0142945955 05 01/01/05 0.0000 0142945955 N 12/01/34 0 9799109 025/025 F 432,000.00 ZZ 360 430,627.03 1 6.1250 2624.88 80 5.8750 2624.88 SEATTLE WA 98117 1 11/15/04 00 0142951839 05 01/01/05 0.0000 0142951839 O 12/01/34 0 9799111 025/025 F 205,000.00 ZZ 360 204,234.41 1 6.3750 1278.94 75 6.1250 1278.94 HAYDEN ID 83835 5 11/03/04 00 0142951946 05 12/01/04 0.0000 0142951946 O 11/01/34 0 9799117 025/025 F 140,000.00 ZZ 360 139,464.46 1 6.2500 862.01 80 6.0000 862.01 SAGLE ID 83860 5 11/03/04 00 0142954023 05 12/01/04 0.0000 0142954023 O 11/01/34 0 9799121 025/025 F 145,500.00 ZZ 360 145,500.00 1 6.0000 727.50 87 5.7500 727.50 TACOMA WA 98409 5 11/30/04 12 0142956291 05 01/01/05 25.0000 0142956291 O 12/01/34 0 9799129 025/025 F 133,000.00 ZZ 360 132,600.78 1 6.0000 797.41 69 5.7500 797.41 GEORGETOWN KY 40324 5 11/17/04 00 0142969815 05 01/01/05 0.0000 0142969815 O 12/01/34 0 9799133 025/025 F 93,350.00 ZZ 360 93,113.36 1 6.8750 613.25 90 6.6250 613.25 ALBUQUERQUE NM 87121 1 11/09/04 14 0142977537 05 01/01/05 25.0000 0142977537 N 12/01/34 0 9799143 025/025 F 120,000.00 ZZ 360 120,000.00 1 6.5000 650.00 80 6.2500 650.00 PEORIA AZ 85345 1 11/17/04 00 0142983865 05 01/01/05 0.0000 0142983865 O 12/01/34 0 9799147 025/025 F 102,400.00 ZZ 360 102,099.88 2 6.1250 622.20 80 5.8750 622.20 TUCSON AZ 85719 1 11/23/04 00 0142984459 05 01/01/05 0.0000 0142984459 N 12/01/34 0 9799161 025/025 F 279,000.00 ZZ 360 278,067.01 1 6.2500 1717.85 90 6.0000 1717.85 ROCHESTER MN 55901 1 11/05/04 14 0143007037 05 01/01/05 25.0000 0143007037 O 12/01/34 0 9799169 025/025 F 42,300.00 ZZ 360 42,205.23 1 7.5000 295.77 90 7.2500 295.77 COLUMBUS GA 31906 1 12/08/04 11 0032331902 05 01/01/05 25.0000 0032331902 N 12/01/34 0 9799171 025/025 F 298,950.00 ZZ 360 298,154.35 1 6.6250 1914.21 80 6.3750 1914.21 PALM BEACH GARFL 33410 5 11/24/04 00 0032349144 05 01/01/05 0.0000 0032349144 O 12/01/34 0 9799175 025/025 F 214,500.00 ZZ 360 213,886.22 1 6.2500 1320.72 75 6.0000 1320.72 BALDWIN GA 30511 5 11/17/04 00 0134066133 05 01/01/05 0.0000 0134066133 O 12/01/34 0 9799179 025/025 F 320,000.00 ZZ 360 319,084.36 1 6.2500 1970.30 61 6.0000 1970.30 CAPE MAY NJ 08204 5 11/18/04 00 0134670108 01 01/01/05 0.0000 0134670108 N 12/01/34 0 9799181 025/025 F 99,000.00 ZZ 360 98,856.23 3 7.6250 700.72 90 7.3750 700.72 NEW BRITAIN CT 06052 1 12/09/04 12 0134684554 05 02/01/05 25.0000 0134684554 N 01/01/35 0 9799197 025/025 F 208,000.00 ZZ 360 207,223.24 1 6.3750 1297.65 79 6.1250 1297.65 FLEETWOOD NC 28626 5 11/04/04 00 0134902691 05 12/01/04 0.0000 0134902691 O 11/01/34 0 9799203 025/025 F 283,500.00 ZZ 360 282,763.59 1 6.7500 1838.78 90 6.5000 1838.78 LINDEN NJ 07036 1 11/23/04 11 0134906734 05 01/01/05 25.0000 0134906734 O 12/01/34 0 9799215 025/025 F 232,000.00 ZZ 360 232,000.00 1 6.3750 1232.50 74 6.1250 1232.50 LEONARDTOWN MD 20650 5 11/12/04 00 0134947969 05 01/01/05 0.0000 0134947969 O 12/01/34 0 9799217 025/025 F 172,000.00 ZZ 360 171,519.52 1 6.3750 1073.06 80 6.1250 1073.06 JEFFERSON GA 30549 2 11/15/04 00 0134950633 05 01/01/05 0.0000 0134950633 O 12/01/34 0 9799227 025/025 F 168,000.00 ZZ 360 167,695.44 3 6.5000 1061.87 80 6.2500 1061.87 ALBUQUERQUE NM 87108 5 12/07/04 00 0134967546 05 02/01/05 0.0000 0134967546 N 01/01/35 0 9799229 025/025 F 191,250.00 ZZ 360 190,853.55 1 6.3750 1193.16 85 6.1250 1193.16 GREENVILLE ME 04441 1 12/15/04 14 0201022555 05 02/01/05 12.0000 0201022555 O 01/01/35 0 9799233 025/025 F 122,400.00 ZZ 360 122,131.55 1 6.1250 743.72 90 5.8750 743.72 CHAPEL HILL NC 27516 1 12/02/04 04 0201027380 01 02/01/05 25.0000 0201027380 N 01/01/35 0 9799235 025/025 F 264,000.00 ZZ 360 263,532.36 1 6.7500 1712.30 80 6.5000 1712.30 HARRISBURG PA 17112 5 12/08/04 00 0201027471 05 02/01/05 0.0000 0201027471 O 01/01/35 0 9799239 025/025 F 120,000.00 ZZ 360 119,486.61 1 6.7500 778.32 80 6.5000 778.32 GLENDALE AZ 85308 1 11/24/04 00 0201033404 05 01/01/05 0.0000 0201033404 N 12/01/34 0 9799249 025/025 F 228,000.00 ZZ 360 227,315.65 1 6.0000 1366.98 80 5.7500 1366.98 MASHPEE MA 02649 5 11/23/04 00 0201037009 05 01/01/05 0.0000 0201037009 O 12/01/34 0 9799251 M27/G02 F 374,000.00 ZZ 360 373,636.50 1 6.1250 2272.46 71 5.8750 2272.46 WAKE FOREST NC 27587 2 01/24/05 00 0438921769 05 03/01/05 0.0000 630142429 O 02/01/35 0 9799257 025/025 F 76,000.00 T 360 75,848.30 1 6.0000 455.66 50 5.7500 455.66 HERTFORD NC 27944 1 12/10/04 00 0201046489 05 02/01/05 0.0000 0201046489 O 01/01/35 0 9799259 025/025 F 212,000.00 ZZ 360 212,000.00 1 6.5000 1148.33 80 6.2500 1148.33 LITTLETON CO 80123 2 11/24/04 00 0201051851 05 01/01/05 0.0000 0201051851 O 12/01/34 0 9799263 025/025 F 574,000.00 ZZ 360 572,357.57 1 6.2500 3534.22 65 6.0000 3534.22 FORT MYERS FL 33916 2 12/02/04 00 0201057791 05 01/01/05 0.0000 0201057791 N 12/01/34 0 9799265 025/025 F 78,000.00 ZZ 360 77,738.16 1 6.5000 493.01 44 6.2500 493.01 BRANSON MO 65616 1 11/10/04 00 0201065364 05 01/01/05 0.0000 0201065364 O 12/01/34 0 9799269 025/025 F 283,500.00 ZZ 360 282,946.98 1 6.1250 1722.58 90 5.8750 1722.58 NEW BRAUNFELS TX 78132 1 12/20/04 14 0201065737 05 02/01/05 25.0000 0201065737 O 01/01/35 0 9799279 025/025 F 164,800.00 ZZ 360 164,305.36 1 6.0000 988.06 80 5.7500 988.06 CUMMING GA 30040 1 12/07/04 00 0030655930 05 01/01/05 0.0000 0030655930 O 12/01/34 0 9799287 025/025 F 52,500.00 ZZ 360 52,363.64 1 6.7500 340.51 75 6.5000 340.51 BALTIMORE MD 21210 2 12/01/04 00 0030712657 01 01/01/05 0.0000 0030712657 N 12/01/34 0 9799291 025/025 F 224,800.00 ZZ 360 224,361.90 1 6.1250 1365.91 80 5.8750 1365.91 ATLANTA GA 30315 1 12/02/04 00 0030755805 05 02/01/05 0.0000 0030755805 O 01/01/35 0 9799293 025/025 F 137,600.00 ZZ 360 137,350.53 4 6.5000 869.73 80 6.2500 869.73 OCALA FL 34471 5 12/06/04 00 0030823876 05 02/01/05 0.0000 0030823876 N 01/01/35 0 9799299 025/025 F 139,900.00 ZZ 360 139,899.32 1 6.2500 728.65 80 6.0000 728.65 LITHONIA GA 30058 1 10/29/04 00 0031025356 05 12/01/04 0.0000 0031025356 O 11/01/34 0 9799303 025/025 F 57,200.00 ZZ 360 57,019.90 1 7.2500 390.20 80 7.0000 390.20 COLUMBUS GA 31907 1 10/26/04 00 0031152176 05 12/01/04 0.0000 0031152176 N 11/01/34 0 9799305 025/025 F 71,910.00 ZZ 360 71,699.84 1 7.6250 508.97 90 7.3750 508.97 COLUMBUS GA 31907 1 10/27/04 14 0031160534 05 12/01/04 25.0000 0031160534 N 11/01/34 0 9799313 025/025 F 119,120.00 ZZ 360 118,661.65 1 6.2500 733.44 80 6.0000 733.44 GAINESVILLE GA 30507 1 10/22/04 00 0031451362 05 12/01/04 0.0000 0031451362 O 11/01/34 0 9799325 025/025 F 116,000.00 ZZ 360 115,768.46 1 6.0000 695.48 80 5.7500 695.48 BRIGHTON TN 38011 5 12/10/04 00 0143023315 05 02/01/05 0.0000 0143023315 O 01/01/35 0 9799331 025/025 F 284,000.00 ZZ 360 284,000.00 1 6.7500 1597.50 80 6.5000 1597.50 HILTON HEAD ISSC 29926 2 12/02/04 00 0143025468 01 01/01/05 0.0000 0143025468 O 12/01/34 0 9799333 025/025 F 172,000.00 ZZ 360 171,690.75 1 6.6250 1101.33 80 6.3750 1101.33 MONTROSE MN 55363 5 12/17/04 00 0143025765 05 02/01/05 0.0000 0143025765 O 01/01/35 0 9799355 025/025 F 182,400.00 ZZ 360 181,969.86 1 7.2500 1244.29 80 7.0000 1244.29 LAS VEGAS NV 89103 1 11/19/04 00 0143075091 05 01/01/05 0.0000 0143075091 N 12/01/34 0 9799357 025/025 F 113,600.00 ZZ 360 113,513.77 1 6.0000 568.00 80 5.7500 568.00 RAPID CITY SD 57703 1 12/01/04 00 0143075513 05 01/01/05 0.0000 0143075513 O 12/01/34 0 9799359 025/025 F 171,920.00 ZZ 360 171,403.97 1 6.0000 1030.75 80 5.7500 1030.75 RAPID CITY SD 57702 1 11/30/04 00 0143075539 05 01/01/05 0.0000 0143075539 O 12/01/34 0 9799363 025/025 F 60,800.00 ZZ 360 60,687.06 1 6.3750 379.32 95 6.1250 379.32 MARYSVILLE KS 66508 5 12/10/04 04 0143075695 05 02/01/05 30.0000 0143075695 O 01/01/35 0 9799369 025/025 F 67,800.00 ZZ 360 67,628.13 1 6.8750 445.40 80 6.6250 445.40 DOUGLASVILLE GA 30134 1 11/29/04 00 0143120137 05 01/01/05 0.0000 0143120137 N 12/01/34 0 9799375 025/025 F 70,000.00 ZZ 360 69,866.80 1 6.2500 431.01 80 6.0000 431.01 SPRING TX 77386 1 12/16/04 00 0143124808 03 02/01/05 0.0000 0143124808 N 01/01/35 0 9799379 025/025 F 350,000.00 ZZ 360 349,380.70 1 6.6250 2241.09 62 6.3750 2241.09 GERMANTOWN MD 20876 5 12/08/04 00 0201000478 05 02/01/05 0.0000 0201000478 O 01/01/35 0 9799381 025/025 F 64,350.00 ZZ 360 64,194.70 3 7.1250 433.54 90 6.8750 433.54 WATERBURY CT 06704 1 11/30/04 12 0201001443 05 01/01/05 25.0000 0201001443 N 12/01/34 0 9799383 025/025 F 220,000.00 ZZ 360 219,400.12 1 6.5000 1390.55 71 6.2500 1390.55 MIAMI FL 33180 5 11/17/04 00 0201003845 05 01/01/05 0.0000 0201003845 O 12/01/34 0 9799387 025/025 F 175,000.00 ZZ 360 174,674.98 1 6.3750 1091.77 77 6.1250 1091.77 JENKINSBURG GA 30234 5 12/22/04 00 0201009909 05 02/01/05 0.0000 0201009909 O 01/01/35 0 9799389 025/025 F 200,000.00 ZZ 360 199,399.70 1 6.0000 1199.10 49 5.7500 1199.10 NINE MILE FALLWA 99026 5 11/15/04 00 0201011715 03 01/01/05 0.0000 0201011715 O 12/01/34 0 9799391 025/025 F 78,000.00 ZZ 360 77,787.29 1 6.5000 493.02 64 6.2500 493.02 ONEIDA NY 13421 5 11/29/04 00 0201012226 05 01/01/05 0.0000 0201012226 N 12/01/34 0 9799397 025/025 F 144,000.00 ZZ 360 143,616.74 1 6.6250 922.05 90 6.3750 922.05 WINCHESTER VA 22603 1 11/30/04 12 0201017183 05 01/01/05 30.0000 0201017183 O 12/01/34 0 9799401 025/025 F 382,500.00 ZZ 360 381,403.99 1 6.3750 2386.30 75 6.1250 2386.30 SAN DIEGO CA 92126 5 11/18/04 00 0201021359 05 01/01/05 0.0000 0201021359 O 12/01/34 0 9799407 025/025 F 144,000.00 ZZ 360 144,000.00 1 6.2500 750.00 68 6.0000 750.00 WOODBRIDGE VA 22192 5 12/03/04 00 0201076973 01 01/01/05 0.0000 0201076973 O 12/01/34 0 9799413 025/025 F 83,700.00 ZZ 360 83,697.25 1 6.8750 479.53 90 6.6250 479.52 DALLAS TX 75216 1 12/06/04 14 0201093374 05 01/01/05 25.0000 0201093374 N 12/01/34 0 9799417 025/025 F 90,500.00 ZZ 360 90,228.38 1 6.0000 542.59 56 5.7500 542.59 SAN ANTONIO TX 78232 1 11/22/04 00 0201095213 03 01/01/05 0.0000 0201095213 N 12/01/34 0 9799433 025/025 F 132,525.00 ZZ 360 132,301.70 1 6.8750 870.59 95 6.6250 870.59 VALLES MINES MO 63087 1 12/17/04 12 0201109667 05 02/01/05 30.0000 0201109667 O 01/01/35 0 9799435 025/025 F 260,000.00 ZZ 360 259,593.12 1 7.2500 1773.66 75 7.0000 1773.66 TUCSON AZ 85715 5 12/06/04 00 0201112299 05 02/01/05 0.0000 0201112299 N 01/01/35 0 9799439 025/025 F 105,600.00 ZZ 360 105,413.15 1 6.6250 676.17 80 6.3750 676.17 PAPILLION NE 68046 1 12/20/04 00 0201119229 05 02/01/05 0.0000 0201119229 N 01/01/35 0 9799441 025/025 F 174,400.00 ZZ 360 174,106.12 1 6.8750 1145.69 80 6.6250 1145.69 ROANOKE VA 24018 5 12/17/04 00 0201119898 05 02/01/05 0.0000 0201119898 O 01/01/35 0 9799443 025/025 F 152,000.00 ZZ 360 151,710.81 1 6.2500 935.89 80 6.0000 935.89 ALBUQUERQUE NM 87106 1 12/16/04 00 0201120862 05 02/01/05 0.0000 0201120862 O 01/01/35 0 9799445 025/025 F 128,000.00 ZZ 360 127,778.96 1 6.7500 830.21 80 6.5000 830.21 OROVILLE CA 95966 1 12/10/04 00 0201122058 05 02/01/05 0.0000 0201122058 N 01/01/35 0 9799449 025/025 F 600,000.00 ZZ 360 600,000.00 1 6.1250 3062.50 73 5.8750 3062.50 MATTHEWS NC 28104 5 12/23/04 00 0201124831 03 02/01/05 0.0000 0201124831 O 01/01/35 0 9799451 025/025 F 335,200.00 ZZ 360 334,425.42 1 6.2500 2063.88 80 6.0000 2063.88 ONSTED MI 49265 5 12/23/04 00 0201133428 29 02/01/05 0.0000 0201133428 O 01/01/35 0 9799463 025/025 F 114,000.00 T 360 114,000.00 1 6.1250 581.88 80 5.8750 581.88 RIO DELL CA 95562 1 12/09/04 00 0201140290 05 02/01/05 0.0000 0201140290 O 01/01/35 0 9799469 025/025 F 160,000.00 ZZ 360 159,799.48 1 6.2500 833.33 80 6.0000 832.81 EUREKA CA 95501 1 12/20/04 00 0201144755 05 02/01/05 0.0000 0201144755 O 01/01/35 0 9799475 025/025 F 322,000.00 ZZ 360 320,211.75 1 6.7500 2088.49 80 6.5000 2088.49 WATKINS CO 80137 5 12/21/04 00 0201151537 05 02/01/05 0.0000 0201151537 O 01/01/35 0 9799477 025/025 F 71,700.00 ZZ 360 71,402.66 1 7.0000 477.03 79 6.7500 477.03 VIRGINIA BEACHVA 23456 1 09/07/04 00 0201153244 05 11/01/04 0.0000 0201153244 N 10/01/34 0 9799485 025/025 F 94,050.00 ZZ 360 93,871.06 1 6.2500 579.08 79 6.0000 579.08 PHOENIX AZ 85023 1 12/20/04 00 0201161452 09 02/01/05 0.0000 0201161452 O 01/01/35 0 9799487 025/025 F 650,000.00 ZZ 360 650,000.00 1 6.1250 3317.71 51 5.8750 3317.71 BRENTWOOD CA 94513 5 12/14/04 00 0201162047 05 02/01/05 0.0000 0201162047 O 01/01/35 0 9799501 025/025 F 222,550.00 ZZ 360 222,550.00 1 6.2500 1159.11 80 6.0000 1159.11 RIVERDALE GA 30298 1 11/16/04 00 0031595507 05 01/01/05 0.0000 0031595507 O 12/01/34 0 9799521 025/025 F 400,000.00 ZZ 360 398,873.54 1 6.3750 2495.48 27 6.1250 2495.48 HOLMES BEACH FL 34217 5 11/22/04 00 0031837271 05 01/01/05 0.0000 0031837271 O 12/01/34 0 9799527 025/025 F 169,600.00 ZZ 360 169,114.70 1 6.2500 1044.26 80 6.0000 1044.26 ROSWELL GA 30075 1 11/29/04 00 0032153827 05 01/01/05 0.0000 0032153827 O 12/01/34 0 9799567 H58/G02 F 111,000.00 ZZ 360 110,904.44 1 6.7500 719.94 75 6.5000 719.94 PORTLAND OR 97217 2 01/28/05 00 0438927196 05 03/01/05 0.0000 0000275744 N 02/01/35 0 9799601 E22/G02 F 128,000.00 ZZ 360 127,878.55 1 6.2500 788.12 80 6.0000 788.12 WEST PALM BEACFL 33407 1 02/04/05 00 0423140961 05 03/01/05 0.0000 0423140961 N 02/01/35 0 9799603 E22/G02 F 121,050.00 ZZ 360 121,050.00 2 7.0000 805.35 90 6.7500 805.35 LITITZ PA 17543 1 02/04/05 04 0423142538 05 04/01/05 25.0000 0423142538 N 03/01/35 0 9799609 E22/G02 F 650,000.00 ZZ 360 649,397.98 1 6.3750 4055.15 73 6.1250 4055.15 JACKSONVILLE FL 32224 5 01/31/05 00 0423149111 03 03/01/05 0.0000 0423149111 O 02/01/35 0 9799611 E22/G02 F 93,000.00 ZZ 360 92,921.87 1 6.8750 610.94 78 6.6250 610.94 WAYNE MI 48184 5 01/31/05 00 0423149434 05 03/01/05 0.0000 0423149434 O 02/01/35 0 9799643 E22/G02 F 95,200.00 ZZ 360 95,113.94 1 6.5000 601.73 80 6.2500 601.73 PROVO UT 84606 1 02/04/05 00 0423171966 01 03/01/05 0.0000 0423171966 N 02/01/35 0 9799685 E22/U57 F 80,000.00 ZZ 360 79,939.13 2 7.3750 552.54 80 7.1250 552.54 DETROIT MI 48224 5 02/04/05 00 0423206457 05 03/01/05 0.0000 0423206457 N 02/01/35 0 9799711 E22/G02 F 84,000.00 ZZ 360 84,000.00 1 6.5000 455.00 80 6.2500 455.00 LUTCHER LA 70071 1 02/04/05 00 0423237858 05 04/01/05 0.0000 0423237858 O 03/01/35 0 9799721 E22/G02 F 160,000.00 ZZ 360 159,858.83 3 6.6250 1024.50 80 6.3750 1024.50 WEST PALM BEACFL 33407 1 02/04/05 00 0423245612 05 03/01/05 0.0000 0423245612 N 02/01/35 0 9799723 E22/U57 F 245,100.00 ZZ 360 245,100.00 1 6.3750 1529.11 95 6.1250 1529.11 BRIDGEPORT CT 06606 1 02/04/05 04 0423245679 05 04/01/05 30.0000 0423245679 O 03/01/35 0 9799757 E22/G02 F 63,900.00 ZZ 360 63,842.24 1 6.5000 403.89 79 6.2500 403.89 RICHMOND VA 23224 2 02/04/05 00 0423118413 05 03/01/05 0.0000 0423118413 N 02/01/35 0 9799759 E22/G02 F 74,000.00 ZZ 360 73,933.10 1 6.5000 467.73 78 6.2500 467.73 RICHMOND VA 23225 2 02/04/05 00 0423118991 05 03/01/05 0.0000 0423118991 N 02/01/35 0 9799765 E22/G02 F 245,000.00 ZZ 360 245,000.00 1 6.6250 1568.76 90 6.3750 1568.76 KANSAS CITY MO 64151 5 01/31/05 04 0423120468 05 04/01/05 25.0000 0423120468 O 03/01/35 0 9799805 E22/G02 F 103,600.00 ZZ 360 103,504.05 3 6.3750 646.33 80 6.1250 646.33 PALISADE CO 81526 1 02/04/05 00 0423090430 05 03/01/05 0.0000 0423090430 N 02/01/35 0 9799811 E22/U57 F 301,750.00 ZZ 360 301,483.77 1 6.6250 1932.14 85 6.3750 1932.14 KILL DEVIL HILNC 27948 5 02/04/05 10 0423098912 05 03/01/05 12.0000 0423098912 O 02/01/35 0 9799815 E22/U57 F 136,000.00 ZZ 360 136,000.00 1 6.2500 837.38 80 6.0000 837.38 MILWAUKIE OR 97222 5 01/28/05 00 0423101450 01 04/01/05 0.0000 0423101450 O 03/01/35 0 9799819 E22/G02 F 67,500.00 ZZ 360 67,446.02 1 7.1250 454.76 90 6.8750 454.76 CHELAN WA 98816 1 01/28/05 10 0423106343 05 03/01/05 25.0000 0423106343 N 02/01/35 0 9799823 E22/G02 F 67,700.00 ZZ 360 67,638.80 1 6.5000 427.91 77 6.2500 427.91 RICHMOND VA 23224 2 02/04/05 00 0423108562 05 03/01/05 0.0000 0423108562 N 02/01/35 0 9799833 E22/G02 F 54,000.00 ZZ 360 53,954.64 1 6.8750 354.74 80 6.6250 354.74 BIRMINGHAM AL 35205 5 02/04/05 00 0423049378 05 03/01/05 0.0000 0423049378 N 02/01/35 0 9799881 E22/U57 F 166,500.00 ZZ 360 166,342.02 1 6.2500 1025.17 84 6.0000 1025.17 BLAIR NE 68008 2 01/31/05 04 0423033760 05 03/01/05 12.0000 0423033760 O 02/01/35 0 9799909 E22/G02 F 156,000.00 ZZ 360 156,000.00 2 6.8750 893.75 80 6.6250 893.75 FORT LAUDERDALFL 33311 1 02/04/05 00 0422976878 05 03/01/05 0.0000 0422976878 N 02/01/35 0 9799917 E22/G02 F 304,500.00 ZZ 360 304,500.00 1 6.2500 1585.94 75 6.0000 1585.94 BALLWIN MO 63021 5 01/31/05 00 0422989327 03 03/01/05 0.0000 0422989327 O 02/01/35 0 9799921 E22/G02 F 150,700.00 ZZ 360 150,700.00 1 6.3750 940.17 65 6.1250 940.17 SACRAMENTO CA 95826 1 01/28/05 00 0422992834 09 04/01/05 0.0000 0422992834 N 03/01/35 0 9799931 E22/G02 F 52,720.00 ZZ 360 52,720.00 1 6.5000 333.23 80 6.2500 333.23 BIRMINGHAM AL 35218 1 02/04/05 00 0423002963 05 04/01/05 0.0000 0423002963 N 03/01/35 0 9799945 E22/G02 F 165,000.00 ZZ 360 164,835.74 1 6.0000 989.26 80 5.7500 989.26 FORT SHAW MT 59443 5 01/31/05 00 0422925677 05 03/01/05 0.0000 0422925677 O 02/01/35 0 9800015 E22/G02 F 73,700.00 ZZ 360 73,633.38 1 6.5000 465.83 80 6.2500 465.83 RICHMOND VA 23224 2 02/04/05 00 0422906446 05 03/01/05 0.0000 0422906446 N 02/01/35 0 9800049 E22/G02 F 149,948.00 ZZ 360 149,948.00 1 6.0000 899.01 80 5.7500 899.01 PUEBLO WEST CO 81007 1 02/04/05 00 0422776005 05 04/01/05 0.0000 0422776005 O 03/01/35 0 9800079 E82/G02 F 286,500.00 ZZ 360 286,500.00 1 6.1250 1740.80 73 5.8750 1740.80 EATON CO 80615 2 02/02/05 00 0401059878 05 04/01/05 0.0000 0401059878 O 03/01/35 0 9800303 E82/G02 F 110,000.00 ZZ 360 109,900.55 1 6.5000 695.28 62 6.2500 695.28 YOUNG HARRIS GA 30582 5 01/25/05 00 0401051875 05 03/01/05 0.0000 0401051875 N 02/01/35 0 9800347 B28/G02 F 160,000.00 ZZ 360 160,000.00 1 6.6250 883.33 80 6.3750 883.33 GENEVA IL 60134 1 01/31/05 00 0438921751 05 03/01/05 0.0000 03005007 O 02/01/35 0 9800357 477/G02 F 135,500.00 T 360 135,374.50 1 6.3750 845.34 80 6.1250 845.34 SURPRISE AZ 85379 1 01/24/05 00 0438922643 03 03/01/05 0.0000 230477 O 02/01/35 0 9800369 U81/G02 F 66,000.00 ZZ 360 65,954.58 1 7.8750 478.55 75 7.6250 478.55 COLUMBIA TN 38401 1 01/28/05 00 0438931008 05 03/01/05 0.0000 1800009668 N 02/01/35 0 9800573 E22/G02 F 85,200.00 ZZ 360 85,200.00 2 8.1250 632.61 80 7.8750 632.61 WICHITA KS 67212 2 02/07/05 00 0422451112 05 04/01/05 0.0000 0422451112 N 03/01/35 0 9800575 E22/G02 F 108,000.00 ZZ 360 108,000.00 1 7.0000 718.53 88 6.7500 718.53 CHICAGO IL 60617 5 02/01/05 10 0422631515 05 04/01/05 25.0000 0422631515 O 03/01/35 0 9800587 E22/U57 F 148,800.00 ZZ 360 148,800.00 1 6.5000 940.52 80 6.2500 940.52 COLORADO SPRINCO 80903 2 02/02/05 00 0422732487 05 04/01/05 0.0000 0422732487 O 03/01/35 0 9800653 E22/G02 F 180,000.00 ZZ 360 180,000.00 1 6.1250 1093.70 74 5.8750 1093.70 SOUTH RIVER NJ 08882 5 02/02/05 00 0422978338 05 04/01/05 0.0000 0422978338 O 03/01/35 0 9800691 E22/G02 F 72,000.00 ZZ 360 71,946.57 1 7.5000 503.43 90 7.2500 503.43 NORTH POLE AK 99705 1 01/28/05 10 0423026475 05 03/01/05 25.0000 0423026475 N 02/01/35 0 9800701 E22/U57 F 82,125.00 ZZ 360 82,125.00 1 7.7500 588.35 90 7.5000 588.35 NORTH CHARLESTSC 29405 1 02/07/05 10 0423034552 05 04/01/05 25.0000 0423034552 N 03/01/35 0 9800709 E22/G02 F 167,000.00 ZZ 360 166,845.33 1 6.3750 1041.86 67 6.1250 1041.86 NORTH PORT FL 34286 5 02/01/05 00 0423041680 05 03/01/05 0.0000 0423041680 O 02/01/35 0 9800719 E22/G02 F 192,000.00 ZZ 360 192,000.00 1 6.3750 1197.83 80 6.1250 1197.83 BEAR DE 19701 5 02/01/05 00 0423055672 05 04/01/05 0.0000 0423055672 O 03/01/35 0 9800723 E22/G02 F 220,000.00 TX 360 220,000.00 1 6.5000 1390.55 77 6.2500 1390.55 RUSK TX 75785 5 02/01/05 00 0423063239 05 04/01/05 0.0000 0423063239 O 03/01/35 0 9800731 E22/G02 F 110,400.00 ZZ 360 110,400.00 1 6.6250 609.50 80 6.3750 609.50 DELRAY BEACH FL 33446 1 02/07/05 00 0423071380 09 04/01/05 0.0000 0423071380 N 03/01/35 0 9800775 E22/G02 F 193,500.00 ZZ 360 193,311.93 1 6.1250 1175.73 90 5.8750 1175.73 MOORESTOWN NJ 08057 5 01/31/05 10 0423110402 05 03/01/05 25.0000 0423110402 O 02/01/35 0 9800791 E22/G02 F 388,000.00 ZZ 360 388,000.00 1 6.2500 2388.98 80 6.0000 2388.98 PALM DESERT CA 92211 5 01/27/05 00 0423124833 03 04/01/05 0.0000 0423124833 O 03/01/35 0 9800813 E22/G02 F 233,000.00 ZZ 360 233,000.00 1 6.0000 1396.95 74 5.7500 1396.95 FONTANA CA 92335 5 02/01/05 00 0423142637 05 04/01/05 0.0000 0423142637 O 03/01/35 0 9800817 E22/G02 F 184,100.00 ZZ 360 184,100.00 1 6.2500 958.85 80 6.0000 958.85 NEW PORT RICHEFL 34655 5 02/02/05 00 0423147016 03 03/01/05 0.0000 0423147016 O 02/01/35 0 9800833 E22/U57 F 92,400.00 ZZ 360 92,400.00 1 6.8750 607.00 70 6.6250 607.00 DEARBORN MI 48126 2 02/07/05 00 0423163278 05 04/01/05 0.0000 0423163278 N 03/01/35 0 9800899 E22/G02 F 54,400.00 ZZ 360 54,400.00 1 7.0000 361.92 80 6.7500 361.92 BATON ROUGE LA 70817 5 02/07/05 00 0423216563 05 04/01/05 0.0000 0423216563 N 03/01/35 0 9800929 E22/G02 F 560,000.00 ZZ 360 560,000.00 1 7.1250 3772.82 80 6.8750 3772.82 FOUNTAIN HILLSAZ 85268 1 01/31/05 00 0423255058 05 04/01/05 0.0000 0423255058 O 03/01/35 0 9800939 E22/G02 F 92,660.00 ZZ 360 92,660.00 1 6.3750 578.08 80 6.1250 578.08 SPOKANE VALLEYWA 99216 1 02/02/05 00 0423280916 05 04/01/05 0.0000 0423280916 N 03/01/35 0 9801063 W84/G02 F 135,200.00 ZZ 360 135,071.72 1 6.2500 832.45 80 6.0000 832.45 AMERICAN FORK UT 84003 1 01/27/05 00 0438924995 03 03/01/05 0.0000 40016041 O 02/01/35 0 9801141 E82/G02 F 172,800.00 ZZ 360 172,800.00 1 6.3750 1078.05 77 6.1250 1078.05 ORLANDO FL 32819 2 02/04/05 00 0401069828 03 04/01/05 0.0000 0401069828 O 03/01/35 0 9801363 A50/G02 F 30,000.00 ZZ 360 29,972.88 1 6.5000 189.62 75 6.2500 189.62 BIRMINGHAM AL 35205 1 01/28/05 00 0438928418 05 03/01/05 0.0000 02176865 N 02/01/35 0 9802121 E84/G02 F 64,320.00 ZZ 360 64,059.73 2 7.1250 433.34 80 6.8750 433.34 CONCORD NC 28025 1 09/17/04 00 0438933194 05 11/01/04 0.0000 93009459 N 10/01/34 0 9802129 E84/G02 F 64,320.00 ZZ 360 64,059.73 2 7.1250 433.34 80 6.8750 433.34 CONCORD NC 28025 1 09/17/04 00 0438926305 05 11/01/04 0.0000 93009462 N 10/01/34 0 9802401 E22/G02 F 58,320.00 ZZ 360 58,320.00 1 6.6250 373.43 80 6.3750 373.43 BIRMINGHAM AL 35218 1 02/08/05 00 0423066570 05 04/01/05 0.0000 0423066570 N 03/01/35 0 9802415 E22/G02 F 80,000.00 ZZ 360 79,924.10 1 6.2500 492.57 80 6.0000 492.57 EXCELSIOR SPRIMO 64024 2 01/21/05 00 0423076280 05 03/01/05 0.0000 0423076280 N 02/01/35 0 9802431 E22/G02 F 108,800.00 ZZ 360 108,800.00 1 6.3750 678.77 80 6.1250 678.77 MONTROSE CO 81401 2 02/07/05 00 0423099639 05 04/01/05 0.0000 0423099639 N 03/01/35 0 9802435 E22/G02 F 132,000.00 ZZ 360 132,000.00 1 6.0000 791.41 80 5.7500 791.41 DANDRIDGE TN 37725 5 02/03/05 00 0423100676 05 04/01/05 0.0000 0423100676 O 03/01/35 0 9802437 E22/G02 F 102,160.00 ZZ 360 102,160.00 4 6.8750 671.12 90 6.6250 671.12 ST. LOUIS MO 63118 1 02/08/05 10 0423101500 05 04/01/05 25.0000 0423101500 N 03/01/35 0 9802445 E22/U57 F 97,750.00 ZZ 360 97,750.00 1 6.5000 617.85 85 6.2500 617.85 ALBUQUERQUE NM 87112 1 02/08/05 10 0423103431 05 04/01/05 20.0000 0423103431 N 03/01/35 0 9802471 E22/G02 F 112,500.00 ZZ 360 112,500.00 1 6.8750 739.04 90 6.6250 739.04 NORFOLK VA 23513 1 02/08/05 10 0423144104 05 04/01/05 25.0000 0423144104 N 03/01/35 0 9802485 E22/G02 F 126,000.00 ZZ 360 126,000.00 2 6.6250 806.79 90 6.3750 806.79 YAKIMA WA 98901 2 02/04/05 10 0423162643 05 04/01/05 25.0000 0423162643 N 03/01/35 0 9802499 E22/U57 F 152,000.00 ZZ 360 152,000.00 1 6.8750 998.53 80 6.6250 998.53 PUEBLO CO 81005 2 02/03/05 00 0423189810 05 04/01/05 0.0000 0423189810 O 03/01/35 0 9802513 E22/U57 F 132,000.00 ZZ 360 132,000.00 1 6.2500 812.75 80 6.0000 812.75 KENNESAW GA 30144 5 02/08/05 00 0423202068 05 04/01/05 0.0000 0423202068 N 03/01/35 0 9802527 E22/U57 F 61,000.00 ZZ 360 61,000.00 1 6.3750 380.56 77 6.1250 380.56 FAYETTEVILLE NC 28304 2 02/08/05 00 0423215615 05 04/01/05 0.0000 0423215615 N 03/01/35 0 9802551 E22/G02 F 108,000.00 ZZ 360 108,000.00 1 6.3750 673.78 80 6.1250 673.78 MONTROSE CO 81401 2 02/07/05 00 0423232198 05 04/01/05 0.0000 0423232198 N 03/01/35 0 9802559 E22/U57 F 67,000.00 ZZ 360 67,000.00 1 6.0000 401.70 90 5.7500 401.70 SAN ANTONIO TX 78210 2 02/08/05 10 0423242668 05 04/01/05 25.0000 0423242668 N 03/01/35 0 9802565 E22/G02 F 72,800.00 ZZ 360 72,800.00 1 6.2500 448.24 83 6.0000 448.24 PUEBLO CO 81008 2 02/08/05 10 0423256098 05 04/01/05 20.0000 0423256098 N 03/01/35 0 9802609 X81/G02 F 230,000.00 ZZ 360 229,786.98 1 6.3750 1434.90 48 6.1250 1434.90 CEDAR MN 55011 2 01/31/05 00 0438949984 05 03/01/05 0.0000 9554192785 O 02/01/35 0 9802843 975/G02 F 312,000.00 ZZ 360 311,689.40 1 6.0000 1870.60 80 5.7500 1870.60 PICO RIVERA CA 90660 5 01/21/05 00 0438957045 05 03/01/05 0.0000 2050196 O 02/01/35 0 9802941 477/G02 F 176,500.00 ZZ 240 176,118.00 1 6.0000 1264.50 43 5.7500 1264.50 LOS ANGELES CA 91405 5 01/19/05 00 0438931776 05 03/01/05 0.0000 251118 O 02/01/25 0 9803009 X64/G02 F 188,000.00 ZZ 360 188,000.00 1 6.2500 1157.55 80 6.0000 1157.55 CLINTON TOWNSHMI 48038 2 02/04/05 00 0438949976 05 04/01/05 0.0000 0000034707 O 03/01/35 0 9803075 253/253 F 183,600.00 ZZ 360 183,449.50 4 7.0000 1221.50 90 6.7500 1221.50 CINCINNATI OH 45212 1 01/28/05 11 377992 05 03/01/05 25.0000 377992 N 02/01/35 0 9803079 X51/G02 F 340,000.00 ZZ 360 340,000.00 1 6.0000 1700.00 80 5.7500 1700.00 ROHNERT PARK CA 94928 2 02/04/05 00 0438924284 05 04/01/05 0.0000 0041129009 N 03/01/35 0 9803223 E22/G02 F 244,000.00 ZZ 360 244,000.00 1 6.2500 1502.35 80 6.0000 1502.35 OXFORD PA 19363 5 02/04/05 00 0423006303 05 04/01/05 0.0000 0423006303 O 03/01/35 0 9803229 E22/G02 F 172,000.00 ZZ 360 172,000.00 1 6.2500 1059.03 80 6.0000 1059.03 FRANKENMUTH MI 48734 5 02/04/05 00 0423029180 05 04/01/05 0.0000 0423029180 O 03/01/35 0 9803233 E22/G02 F 96,200.00 ZZ 360 96,200.00 1 6.5000 608.05 90 6.2500 608.05 JACKSONVILLE NC 28540 1 02/09/05 10 0423033125 05 04/01/05 25.0000 0423033125 N 03/01/35 0 9803247 E22/G02 F 300,000.00 ZZ 360 300,000.00 1 6.1250 1822.83 75 5.8750 1822.83 MONROE CT 06468 5 02/04/05 00 0423050715 05 04/01/05 0.0000 0423050715 O 03/01/35 0 9803255 E22/G02 F 118,800.00 ZZ 360 118,800.00 1 6.3750 741.16 90 6.1250 741.16 LIVONIA MI 48154 1 02/09/05 04 0423060185 05 04/01/05 25.0000 0423060185 N 03/01/35 0 9803299 E22/U57 F 348,000.00 ZZ 360 348,000.00 1 6.2500 2142.70 80 6.0000 2142.70 ROSEVILLE CA 95747 5 02/03/05 00 0423092048 05 04/01/05 0.0000 0423092048 O 03/01/35 0 9803305 E22/U57 F 108,000.00 ZZ 360 108,000.00 1 7.0000 718.53 90 6.7500 718.53 TOPEKA KS 66619 5 02/09/05 10 0423095884 05 04/01/05 25.0000 0423095884 N 03/01/35 0 9803307 E22/U57 F 402,500.00 ZZ 360 402,500.00 1 6.2500 2478.26 72 6.0000 2478.26 SANTA CLARA CA 95050 5 02/02/05 00 0423096924 05 04/01/05 0.0000 0423096924 N 03/01/35 0 9803325 E22/G02 F 71,250.00 ZZ 360 71,250.00 1 6.6250 456.22 75 6.3750 456.22 HANOVERTON OH 44423 2 02/09/05 00 0423107325 05 04/01/05 0.0000 0423107325 N 03/01/35 0 9803327 E22/G02 F 108,800.00 ZZ 360 108,800.00 1 6.3750 678.77 75 6.1250 678.77 MONTROSE CO 81401 2 02/07/05 00 0423109255 05 04/01/05 0.0000 0423109255 N 03/01/35 0 9803377 E22/G02 F 176,175.00 ZZ 360 176,175.00 1 6.0000 1056.26 70 5.7500 1056.26 MORENO VALLEY CA 92551 5 02/01/05 00 0423156686 05 04/01/05 0.0000 0423156686 O 03/01/35 0 9803405 E22/G02 F 90,400.00 ZZ 360 90,400.00 2 6.6250 499.08 80 6.3750 499.08 CLEVELAND OH 44109 2 02/09/05 00 0423187483 05 04/01/05 0.0000 0423187483 N 03/01/35 0 9803459 E22/U57 F 153,900.00 ZZ 360 153,900.00 1 6.6250 985.44 95 6.3750 985.44 WEST JORDAN UT 84084 2 02/03/05 04 0423254002 05 04/01/05 30.0000 0423254002 O 03/01/35 0 9803499 E22/U57 F 100,000.00 ZZ 360 100,000.00 1 6.7500 648.60 42 6.5000 648.60 PORT ST. LUCIEFL 34986 1 02/09/05 00 0422600478 03 04/01/05 0.0000 0422600478 N 03/01/35 0 9803529 E22/G02 F 240,000.00 ZZ 360 240,000.00 1 6.1250 1458.27 80 5.8750 1458.27 OLYMPIA WA 98512 1 02/04/05 00 0422938696 05 04/01/05 0.0000 0422938696 O 03/01/35 0 9803705 Y69/G02 F 146,250.00 ZZ 360 146,120.96 1 6.6250 936.46 75 6.3750 936.46 TEMPE AZ 85281 5 01/26/05 00 0438930463 05 03/01/05 0.0000 1010023617 N 02/01/35 0 9803783 Y69/G02 F 76,500.00 ZZ 360 76,435.73 1 6.8750 502.55 90 6.6250 502.55 SAN ANTONIO TX 78251 1 01/20/05 14 0438936015 03 03/01/05 25.0000 3010024288 N 02/01/35 0 9803823 U05/G02 F 252,000.00 ZZ 360 252,000.00 4 6.7500 1634.47 90 6.5000 1634.47 SAN ANTONIO TX 78239 1 02/04/05 10 0438932311 05 04/01/05 25.0000 3000708094 N 03/01/35 0 9803855 W08/G02 F 247,000.00 ZZ 360 247,000.00 1 6.1250 1500.80 90 5.8750 1500.80 HIALEAH FL 33013 1 02/07/05 11 0438932709 05 04/01/05 25.0000 046183M O 03/01/35 0 9803871 A52/U57 F 178,350.00 ZZ 360 178,350.00 1 6.5000 1127.29 90 6.2500 1127.29 GAINESVILLE GA 30507 1 02/09/05 11 0438930471 03 04/01/05 25.0000 32199 O 03/01/35 0 9803955 Y69/G02 F 170,400.00 ZZ 360 170,242.17 1 6.3750 1063.08 60 6.1250 1063.08 LINDALE TX 75771 1 02/02/05 00 0438937658 05 03/01/05 0.0000 301002500 O 02/01/35 0 9803957 950/U57 F 188,000.00 ZZ 360 187,830.04 1 6.5000 1188.29 80 6.2500 1188.29 BREMERTON WA 98311 5 01/19/05 00 0438949968 05 03/01/05 0.0000 EW51139 O 02/01/35 0 9803971 E11/G02 F 157,250.00 ZZ 360 157,104.35 1 6.3750 981.04 85 6.1250 981.04 QUEEN CREEK AZ 85242 5 01/26/05 14 0438968489 03 03/01/05 12.0000 0006001076415 O 02/01/35 0 9804149 U85/G02 F 103,500.00 ZZ 360 103,500.00 1 6.0000 620.53 90 5.7500 620.53 INDIANAPOLIS IN 46226 5 02/07/05 48 0438932444 05 04/01/05 25.0000 TQS232 O 03/01/35 0 9804557 E22/G02 F 196,000.00 ZZ 360 196,000.00 1 6.3750 1041.25 80 6.1250 1041.25 CONCORD CA 94520 5 02/04/05 00 0422920421 09 04/01/05 0.0000 0422920421 O 03/01/35 0 9804559 E22/G02 F 86,250.00 ZZ 360 86,250.00 1 6.7500 559.42 75 6.5000 559.42 LAS VEGAS NM 87701 1 02/09/05 00 0422923623 05 04/01/05 0.0000 0422923623 N 03/01/35 0 9804573 E22/G02 F 73,150.00 ZZ 360 73,099.66 1 7.8750 530.39 95 7.6250 530.39 GOOSE CREEK SC 29445 5 01/27/05 10 0422953018 01 03/01/05 30.0000 0422953018 O 02/01/35 0 9804579 E22/G02 F 80,000.00 ZZ 360 80,000.00 1 6.6250 512.25 75 6.3750 512.25 REDFORD MI 48239 5 02/10/05 00 0422970459 05 04/01/05 0.0000 0422970459 N 03/01/35 0 9804591 E22/G02 F 52,500.00 ZZ 360 52,500.00 1 6.6250 336.16 70 6.3750 336.16 BALLWIN MO 63011 5 02/10/05 00 0422984419 01 04/01/05 0.0000 0422984419 N 03/01/35 0 9804599 E22/G02 F 476,000.00 ZZ 360 476,000.00 1 6.1250 2892.23 80 5.8750 2892.23 SLIDELL LA 70458 1 02/10/05 00 0423015437 03 04/01/05 0.0000 0423015437 O 03/01/35 0 9804609 E22/G02 F 69,000.00 ZZ 360 69,000.00 1 6.5000 436.13 58 6.2500 436.13 REDFORD MI 48239 5 02/10/05 00 0423054980 05 04/01/05 0.0000 0423054980 N 03/01/35 0 9804613 E22/G02 F 52,720.00 ZZ 360 52,720.00 1 6.6250 337.57 80 6.3750 337.57 BIRMINGHAM AL 35218 1 02/10/05 00 0423059740 05 04/01/05 0.0000 0423059740 N 03/01/35 0 9804655 E22/U57 F 233,750.00 ZZ 360 233,750.00 2 7.0000 1555.14 85 6.7500 1555.14 NEW ORLEANS LA 70115 1 02/10/05 10 0423137884 05 04/01/05 20.0000 0423137884 N 03/01/35 0 9804663 E22/G02 F 73,000.00 ZZ 360 73,000.00 1 6.2500 449.47 80 6.0000 449.47 BRANSON MO 65616 2 02/10/05 00 0423142462 05 04/01/05 0.0000 0423142462 N 03/01/35 0 9804667 E22/G02 F 174,040.00 ZZ 360 174,040.00 4 6.6250 1114.40 90 6.3750 1114.40 KILLEEN TX 76549 1 02/08/05 10 0423144658 05 04/01/05 25.0000 0423144658 N 03/01/35 0 9804695 E22/G02 F 52,200.00 ZZ 360 52,200.00 1 6.8750 299.06 90 6.6250 299.06 JACKSONVILLE FL 32216 1 02/10/05 10 0423185875 01 04/01/05 25.0000 0423185875 N 03/01/35 0 9804709 E22/G02 F 101,500.00 ZZ 360 101,500.00 1 6.1250 616.72 72 5.8750 616.72 WENATCHEE WA 98801 2 02/03/05 00 0423212307 05 04/01/05 0.0000 0423212307 N 03/01/35 0 9804711 E22/G02 F 101,500.00 ZZ 360 101,500.00 1 6.1250 616.72 72 5.8750 616.72 WENATCHEE WA 98801 2 02/03/05 00 0423213651 05 04/01/05 0.0000 0423213651 N 03/01/35 0 9804713 E22/U57 F 154,720.00 ZZ 360 154,720.00 4 6.3750 965.25 80 6.1250 965.25 SAVANNAH GA 31404 1 02/10/05 00 0423215748 05 04/01/05 0.0000 0423215748 N 03/01/35 0 9804741 E22/U57 F 133,600.00 ZZ 360 133,600.00 2 6.6250 855.46 80 6.3750 855.46 VANCOUVER WA 98663 5 02/03/05 00 0423244391 05 04/01/05 0.0000 0423244391 N 03/01/35 0 9804749 E22/G02 F 246,080.00 ZZ 360 246,080.00 1 6.1250 1495.21 80 5.8750 1495.21 EAGLE ID 83616 1 02/04/05 00 0423253434 03 04/01/05 0.0000 0423253434 O 03/01/35 0 9804755 E22/G02 F 378,000.00 ZZ 360 378,000.00 1 6.3750 2008.13 53 6.1250 2008.13 DUBLIN CA 94568 5 02/01/05 00 0423264605 05 04/01/05 0.0000 0423264605 O 03/01/35 0 9804769 E22/G02 F 74,000.00 ZZ 360 74,000.00 1 6.1250 449.63 57 5.8750 449.63 WENATCHEE WA 98801 2 02/03/05 00 0423283472 05 04/01/05 0.0000 0423283472 N 03/01/35 0 9804773 E22/G02 F 60,000.00 ZZ 360 60,000.00 1 6.3750 374.32 80 6.1250 374.32 MONTGOMERY AL 36116 5 02/10/05 00 0423289818 05 04/01/05 0.0000 0423289818 N 03/01/35 0 9804775 E22/G02 F 75,000.00 ZZ 360 75,000.00 1 6.1250 455.71 80 5.8750 455.71 MONTGOMERY AL 36116 2 01/10/05 00 0423289891 05 04/01/05 0.0000 0423289891 N 03/01/35 0 9804937 T44/G02 F 175,000.00 ZZ 360 175,000.00 1 6.5000 1106.12 61 6.2500 1106.12 BRISTOL RI 02809 5 02/03/05 00 0438947699 05 04/01/05 0.0000 1134093 O 03/01/35 0 9805245 T44/G02 F 193,600.00 ZZ 360 193,407.27 1 6.0000 1160.73 80 5.7500 1160.73 CENTRAL POINT OR 97502 5 01/24/05 00 0438945784 05 03/01/05 0.0000 1135342 O 02/01/35 0 9805285 P01/G02 F 100,000.00 ZZ 360 100,000.00 2 6.8750 656.93 80 6.6250 656.93 TROY NY 12182 1 02/03/05 00 0438932568 05 04/01/05 0.0000 04006408 N 03/01/35 0 9805307 E82/G02 F 99,200.00 ZZ 360 99,110.32 1 6.5000 627.01 80 6.2500 627.01 FREDERICKSBURGVA 22401 2 02/02/05 00 0401063482 09 03/01/05 0.0000 0401063482 N 02/01/35 0 9805309 E82/G02 F 99,200.00 ZZ 360 99,110.32 1 6.5000 627.01 80 6.2500 627.01 FREDERICKSBURGVA 22401 2 02/02/05 00 0401063490 09 03/01/05 0.0000 0401063490 N 02/01/35 0 9805311 E82/G02 F 100,000.00 ZZ 360 99,909.60 1 6.5000 632.07 80 6.2500 632.07 FREDERICKSBURGVA 22401 2 02/02/05 00 0401063516 09 03/01/05 0.0000 0401063516 N 02/01/35 0 9805313 E82/G02 F 99,200.00 ZZ 360 99,110.32 1 6.5000 627.01 80 6.2500 627.01 FREDERICKSBURGVA 22401 2 02/02/05 00 0401063508 09 03/01/05 0.0000 0401063508 N 02/01/35 0 9805413 N74/G02 F 179,120.00 ZZ 360 178,941.69 1 6.0000 1073.91 80 5.7500 1073.91 MIAMI FL 33143 1 02/02/05 00 0438937336 01 03/02/05 0.0000 2200002989 N 02/02/35 0 9805663 E82/G02 F 101,700.00 ZZ 360 101,700.00 1 6.8750 668.10 66 6.6250 668.10 ROCHESTER MI 48307 2 02/14/05 00 0401075221 01 04/01/05 0.0000 0401075221 N 03/01/35 0 9805665 E82/G02 F 115,500.00 ZZ 360 115,500.00 1 6.5000 730.04 70 6.2500 730.04 MINNEAPOLIS MN 55411 2 02/11/05 00 0401071261 05 04/01/05 0.0000 0401071261 N 03/01/35 0 9805667 E82/G02 F 90,700.00 ZZ 360 90,700.00 1 6.6250 580.76 59 6.3750 580.76 MINNEAPOLIS MN 55411 2 02/11/05 00 0401071303 05 04/01/05 0.0000 0401071303 N 03/01/35 0 9805677 E22/G02 F 116,000.00 ZZ 360 116,000.00 1 6.2500 714.23 80 6.0000 714.23 COLORADO SPRINCO 80909 2 02/11/05 00 0419505656 05 04/01/05 0.0000 0419505656 N 03/01/35 0 9805689 E22/G02 F 300,000.00 ZZ 360 300,000.00 4 6.3750 1871.61 80 6.1250 1871.61 ANCHORAGE AK 99501 5 02/04/05 00 0422926634 05 04/01/05 0.0000 0422926634 O 03/01/35 0 9805707 E22/G02 F 173,250.00 ZZ 360 173,250.00 4 6.6250 956.48 90 6.3750 956.48 CLIFTON CO 81521 1 02/11/05 10 0422952820 05 04/01/05 25.0000 0422952820 N 03/01/35 0 9805757 E22/G02 F 175,750.00 ZZ 360 175,750.00 1 6.5000 1110.86 95 6.2500 1110.86 COLORADO SPRINCO 80907 2 02/07/05 10 0423113877 05 04/01/05 30.0000 0423113877 O 03/01/35 0 9805769 E22/G02 F 148,000.00 ZZ 360 148,000.00 1 6.3750 923.33 80 6.1250 923.33 HILLSBORO NH 03244 5 02/07/05 00 0423196146 05 04/01/05 0.0000 0423196146 O 03/01/35 0 9805771 E22/G02 F 80,000.00 ZZ 360 80,000.00 1 6.5000 433.33 80 6.2500 433.33 DALLAS TX 75249 2 02/11/05 00 0423198324 05 04/01/05 0.0000 0423198324 N 03/01/35 0 9805827 E22/G02 F 85,000.00 ZZ 360 85,000.00 1 6.3750 530.29 90 6.1250 530.29 SPOKANE WA 99207 2 02/07/05 10 0423269455 05 04/01/05 25.0000 0423269455 N 03/01/35 0 9805833 E22/G02 F 99,000.00 ZZ 360 99,000.00 1 7.3750 683.77 80 7.1250 683.77 DOVER DE 19904 5 02/11/05 00 0423272780 07 04/01/05 0.0000 0423272780 N 03/01/35 0 9805863 E22/G02 F 135,450.00 ZZ 360 135,450.00 4 6.3750 845.03 90 6.1250 845.03 KALAMAZOO MI 49001 2 02/11/05 04 0423319151 05 04/01/05 25.0000 0423319151 N 03/01/35 0 9805871 E22/G02 F 330,000.00 ZZ 360 330,000.00 1 6.2500 1718.75 75 6.0000 1718.75 SNOHOMISH WA 98296 5 02/09/05 00 0423344886 05 04/01/05 0.0000 0423344886 N 03/01/35 0 9805875 E22/G02 F 52,000.00 ZZ 360 52,000.00 1 6.3750 324.41 80 6.1250 324.41 JACKSON MS 39202 1 02/11/05 00 0423372275 05 04/01/05 0.0000 0423372275 N 03/01/35 0 9805903 E22/G02 F 93,750.00 ZZ 360 93,750.00 2 6.8750 615.87 75 6.6250 615.87 NAMPA ID 83686 2 02/04/05 00 0422877381 05 04/01/05 0.0000 0422877381 N 03/01/35 0 9805919 E22/G02 F 82,700.00 ZZ 360 82,700.00 1 6.6250 529.54 90 6.3750 529.54 COLUMBIA SC 29229 1 02/11/05 10 0422998336 03 04/01/05 25.0000 0422998336 N 03/01/35 0 9805965 E22/G02 F 270,900.00 ZZ 360 270,900.00 1 6.6250 1734.60 90 6.3750 1734.60 PORT ST LUCIE FL 34983 5 02/07/05 01 0423129089 05 04/01/05 25.0000 0423129089 O 03/01/35 0 9805967 E22/G02 F 76,000.00 ZZ 360 76,000.00 1 6.5000 480.37 80 6.2500 480.37 ROUND ROCK TX 78664 1 02/11/05 00 0423130814 05 04/01/05 0.0000 0423130814 N 03/01/35 0 9805981 E22/G02 F 207,960.00 ZZ 360 207,960.00 1 6.0000 1246.83 80 5.7500 1246.83 PORTLAND OR 97229 1 02/08/05 00 0423139609 03 04/01/05 0.0000 0423139609 O 03/01/35 0 9806021 E22/G02 F 101,250.00 ZZ 360 101,250.00 3 6.6250 648.31 75 6.3750 648.31 ELY NV 89301 1 02/03/05 00 0423176270 05 04/01/05 0.0000 0423176270 N 03/01/35 0 9806023 E22/G02 F 133,200.00 ZZ 360 133,200.00 1 6.5000 841.91 90 6.2500 841.91 METAIRIE LA 70003 1 02/11/05 01 0423180561 05 04/01/05 25.0000 0423180561 O 03/01/35 0 9806067 E22/G02 F 83,250.00 ZZ 360 83,250.00 1 6.2500 433.59 90 6.0000 433.59 CHARLOTTE NC 28214 1 02/11/05 10 0423248657 05 04/01/05 25.0000 0423248657 N 03/01/35 0 9806081 E22/G02 F 66,400.00 ZZ 360 66,400.00 1 6.2500 408.84 80 6.0000 408.84 AUSTIN TX 78745 1 02/11/05 00 0423284801 05 04/01/05 0.0000 0423284801 N 03/01/35 0 9806085 E22/G02 F 247,200.00 ZZ 360 247,200.00 2 6.5000 1562.47 80 6.2500 1562.47 HAVERHILL MA 01832 1 02/11/05 00 0423288240 05 04/01/05 0.0000 0423288240 O 03/01/35 0 9806249 Y69/G02 F 175,750.00 ZZ 360 175,575.03 1 6.0000 1053.72 95 5.7500 1053.72 LAWRENCEVILLE GA 30044 1 01/12/05 01 0438958530 03 03/01/05 30.0000 5010023628 O 02/01/35 0 9806251 Y69/G02 F 370,500.00 ZZ 360 370,131.16 1 6.0000 2221.34 95 5.7500 2221.34 AUSTIN TX 78703 1 01/24/05 11 0438960882 05 03/01/05 30.0000 3010023428 O 02/01/35 0 9806261 Y69/G02 F 164,000.00 ZZ 360 163,840.59 1 6.1250 996.49 80 5.8750 996.49 OKLAHOMA CITY OK 73162 1 01/26/05 00 0438935397 05 03/01/05 0.0000 3010024573 O 02/01/35 0 9806315 Y69/G02 F 650,000.00 ZZ 360 649,352.92 1 6.0000 3897.08 77 5.7500 3897.08 JAMUL CA 91935 5 01/18/05 00 0438962607 05 03/01/05 0.0000 1020023786 O 02/01/35 0 9806317 Y69/G02 F 350,000.00 ZZ 360 349,675.83 1 6.3750 2183.55 78 6.1250 2183.55 SAN LEANDRO CA 94577 1 01/05/05 00 0438947483 05 03/01/05 0.0000 1040023721 O 02/01/35 0 9806333 Y69/G02 F 565,000.00 ZZ 360 564,437.53 1 6.0000 3387.47 57 5.7500 3387.47 OAKLAND CA 94611 1 01/05/05 00 0438967788 05 03/01/05 0.0000 1040020140 O 02/01/35 0 9806377 Y69/G02 F 83,000.00 ZZ 360 82,923.13 2 6.3750 517.81 71 6.1250 517.81 CEDAR CITY UT 84720 1 01/14/05 00 0438960312 05 03/01/05 0.0000 1010024303 N 02/01/35 0 9806383 Y69/G02 F 176,400.00 ZZ 360 176,236.62 1 6.3750 1100.51 61 6.1250 1100.51 NORTH PORT FL 34286 2 01/20/05 00 0438958837 05 03/01/05 0.0000 5020023987 O 02/01/35 0 9806455 H81/G02 F 206,000.00 ZZ 360 206,000.00 1 6.3750 1094.38 74 6.1250 1094.38 LIVONIA MI 48154 5 02/04/05 00 0438975914 05 04/01/05 0.0000 40050135 O 03/01/35 0 9806523 T76/G02 F 182,500.00 ZZ 360 182,500.00 1 6.5000 1153.52 70 6.2500 1153.52 SCHAUMBURG IL 60194 5 02/11/05 00 0438972408 05 04/01/05 0.0000 13410 N 03/01/35 0 9806773 H49/G02 F 102,400.00 ZZ 360 102,313.97 1 6.8750 672.70 80 6.6250 672.70 CARPENTERSVILLIL 60110 1 01/24/05 00 0438953036 05 03/01/05 0.0000 622658 N 02/01/35 0 9806965 U85/G02 F 137,500.00 ZZ 360 137,500.00 1 6.7500 891.82 95 6.5000 891.82 KANSAS CITY MO 64155 5 02/09/05 11 0438958050 05 04/01/05 30.0000 TQS59 O 03/01/35 0 9806987 U45/G02 F 58,500.00 ZZ 360 58,500.00 3 6.8750 384.30 90 6.6250 384.30 HANCOCK MI 49930 1 02/10/05 04 0438954901 07 04/01/05 25.0000 11361685 N 03/01/35 0 9807021 Y44/G02 F 298,000.00 ZZ 360 297,724.00 1 6.3750 1859.13 77 6.1250 1859.13 LA PUENTE CA 91744 5 01/20/05 00 0438970162 05 03/01/05 0.0000 143764301 O 02/01/35 0 9807063 U28/G02 F 58,800.00 ZZ 360 58,800.00 1 6.5000 371.66 80 6.2500 371.66 BESSEMER AL 35023 1 02/09/05 00 0438964603 05 04/01/05 0.0000 2000037457 N 03/01/35 0 9808737 E22/G02 F 178,000.00 ZZ 360 178,000.00 1 6.1250 1081.55 90 5.8750 1081.55 HEDGESVILLE WV 25427 5 02/09/05 10 0423107242 05 04/01/05 25.0000 0423107242 O 03/01/35 0 9808743 E22/G02 F 450,000.00 TX 360 450,000.00 1 6.6250 2881.40 75 6.3750 2881.40 HARPER TX 78631 5 02/09/05 00 0423110964 05 04/01/05 0.0000 0423110964 O 03/01/35 0 9808759 E22/U57 F 142,405.00 ZZ 360 142,405.00 1 6.6250 911.83 95 6.3750 911.83 FISHERSVILLE VA 22939 1 02/14/05 10 0423123256 05 04/01/05 30.0000 0423123256 O 03/01/35 0 9808769 E22/G02 F 115,000.00 ZZ 360 115,000.00 2 7.1250 682.81 74 6.8750 682.81 COLUMBUS OH 43203 5 02/14/05 00 0423135144 05 04/01/05 0.0000 0423135144 N 03/01/35 0 9808773 E22/G02 F 158,800.00 ZZ 360 158,800.00 1 6.8750 1043.20 80 6.6250 1043.20 GARDNER KS 66030 2 02/08/05 00 0423137728 05 04/01/05 0.0000 0423137728 O 03/01/35 0 9808787 E22/G02 F 76,000.00 ZZ 360 76,000.00 1 6.5000 480.37 80 6.2500 480.37 LAMAR CO 81052 1 02/14/05 00 0423146224 05 04/01/05 0.0000 0423146224 O 03/01/35 0 9808807 E22/G02 F 125,000.00 ZZ 360 125,000.00 1 6.1250 638.02 71 5.8750 638.02 WINCHESTER VA 22602 5 02/14/05 00 0423169846 05 04/01/05 0.0000 0423169846 N 03/01/35 0 9808817 E22/G02 F 146,500.00 TX 360 146,500.00 1 6.0000 878.34 74 5.7500 878.34 PLANO TX 75075 5 02/09/05 00 0423173764 05 04/01/05 0.0000 0423173764 O 03/01/35 0 9808827 E22/G02 F 39,700.00 ZZ 360 39,700.00 1 6.7500 257.49 75 6.5000 257.49 TULSA OK 74120 5 02/14/05 00 0423179381 05 04/01/05 0.0000 0423179381 N 03/01/35 0 9808845 E22/G02 F 51,000.00 ZZ 360 51,000.00 1 6.0000 305.77 79 5.7500 305.77 PUEBLO CO 81004 2 02/14/05 00 0423192442 05 04/01/05 0.0000 0423192442 N 03/01/35 0 9808865 E22/G02 F 84,000.00 TX 360 84,000.00 1 6.8750 551.82 80 6.6250 551.82 EL PASO TX 79936 5 02/09/05 00 0423204874 05 04/01/05 0.0000 0423204874 N 03/01/35 0 9808875 E22/G02 F 317,615.00 ZZ 360 317,615.00 1 6.7500 2060.04 90 6.5000 2060.04 PLEASANT GROVEUT 84062 1 02/09/05 04 0423212547 05 04/01/05 25.0000 0423212547 N 03/01/35 0 9808905 E22/U57 F 88,000.00 ZZ 360 88,000.00 1 6.5000 556.22 88 6.2500 556.22 GRAND RAPIDS MI 49507 5 02/14/05 04 0423232453 05 04/01/05 25.0000 0423232453 N 03/01/35 0 9808935 E22/G02 F 220,000.00 ZZ 360 220,000.00 1 6.2500 1354.58 80 6.0000 1354.58 SOUTHFIELD MI 48076 2 02/09/05 00 0423248590 05 04/01/05 0.0000 0423248590 O 03/01/35 0 9808967 E22/G02 F 150,300.00 ZZ 360 150,300.00 1 6.6250 962.39 90 6.3750 962.39 SPOKANE WA 99203 5 02/04/05 01 0423077601 05 04/01/05 25.0000 0423077601 O 03/01/35 0 9808977 E22/U57 F 80,100.00 ZZ 360 80,100.00 2 7.5000 560.07 89 7.2500 560.07 AUBURNDALE FL 33823 5 02/14/05 10 0423082627 05 04/01/05 25.0000 0423082627 N 03/01/35 0 9808989 E22/U57 F 268,000.00 ZZ 360 268,000.00 1 6.6250 1716.03 80 6.3750 1716.03 ALDEN MI 49612 5 02/09/05 00 0423096304 29 04/01/05 0.0000 0423096304 O 03/01/35 0 9809005 E22/G02 F 99,920.00 ZZ 360 99,920.00 4 6.8750 656.40 80 6.6250 656.40 HUNTSVILLE AL 35816 1 02/14/05 00 0422716480 05 04/01/05 0.0000 0422716480 N 03/01/35 0 9809071 E22/U57 F 150,400.00 ZZ 360 150,400.00 1 6.5000 950.63 80 6.2500 950.63 WEDOWEE AL 36278 5 02/09/05 00 0422994608 05 04/01/05 0.0000 0422994608 O 03/01/35 0 9809155 E22/G02 F 59,200.00 ZZ 360 59,200.00 1 6.6250 379.06 80 6.3750 379.06 ST LOUIS MO 63134 2 02/14/05 00 0423297522 05 04/01/05 0.0000 0423297522 N 03/01/35 0 9809157 E22/G02 F 57,446.00 ZZ 360 57,446.00 1 6.8750 377.38 79 6.6250 377.38 ST LOUIS MO 63134 2 02/14/05 00 0423297944 05 04/01/05 0.0000 0423297944 N 03/01/35 0 9809169 E22/G02 F 58,500.00 ZZ 360 58,500.00 1 7.0000 389.20 90 6.7500 389.20 SAINT LOUIS MO 63116 1 02/14/05 10 0423311083 05 04/01/05 25.0000 0423311083 N 03/01/35 0 9809179 E22/U57 F 106,650.00 ZZ 360 106,650.00 2 7.2500 727.54 90 7.0000 727.54 FORT MYERS FL 33905 1 02/14/05 10 0423337658 05 04/01/05 25.0000 0423337658 N 03/01/35 0 9809181 E22/U57 F 247,000.00 ZZ 360 247,000.00 1 6.3750 1540.96 75 6.1250 1540.96 ANCHORAGE AK 99508 5 02/08/05 00 0423339639 05 04/01/05 0.0000 0423339639 O 03/01/35 0 9809229 E82/G02 F 212,500.00 ZZ 360 212,500.00 1 6.5000 1343.14 49 6.2500 1343.14 ZIEGLERSVILLE PA 19492 5 02/11/05 00 0401074323 05 04/01/05 0.0000 0401074323 O 03/01/35 0 9809373 E82/G02 F 65,300.00 ZZ 360 65,243.78 1 6.7500 423.53 73 6.5000 423.53 RIVERDALE GA 30274 2 01/28/05 00 0401071337 05 03/01/05 0.0000 0401071337 N 02/01/35 0 9809401 E82/G02 F 69,600.00 ZZ 360 69,541.53 1 6.8750 457.22 87 6.6250 457.22 GREENSBORO NC 27406 2 01/31/05 04 0401066006 05 03/01/05 25.0000 0401066006 N 02/01/35 0 9811267 U85/G02 F 69,300.00 ZZ 360 69,300.00 3 7.7500 496.47 90 7.5000 496.47 MILWAUKEE WI 53206 1 02/14/05 11 0438969826 05 04/01/05 25.0000 0211200500 N 03/01/35 0 9811997 N74/G02 F 60,000.00 T 360 59,948.34 1 6.7500 389.16 55 6.5000 389.16 MYRTLE BEACH SC 29572 1 02/07/05 00 0438956393 01 03/07/05 0.0000 2200003013 O 02/07/35 0 9812011 758/G02 F 151,200.00 TX 360 151,056.54 1 6.2500 930.96 80 6.0000 930.96 HOUSTON TX 77008 5 01/28/05 00 0438972770 05 03/01/05 0.0000 1100000745 O 02/01/35 0 9812813 P44/G02 F 132,000.00 ZZ 360 132,000.00 2 6.6250 845.21 80 6.3750 845.21 PUTNAM CT 06260 1 02/04/05 00 0438969586 05 04/01/05 0.0000 0501050002 N 03/01/35 0 9812841 H49/G02 F 282,000.00 ZZ 360 282,000.00 1 6.1250 1713.46 80 5.8750 1713.46 SCHAUMBURG IL 60193 2 02/03/05 00 0438969529 05 04/01/05 0.0000 631106 O 03/01/35 0 9813095 E22/G02 F 132,000.00 ZZ 360 132,000.00 1 6.0000 791.41 80 5.7500 791.41 RICHFIELD UT 84701 1 02/09/05 00 0423181304 05 04/01/05 0.0000 0423181304 N 03/01/35 0 9813119 E22/G02 F 187,500.00 ZZ 360 187,500.00 2 6.2500 1154.47 75 6.0000 1154.47 CONCORD NH 03301 1 02/15/05 00 0423203413 05 04/01/05 0.0000 0423203413 N 03/01/35 0 9813185 E22/G02 F 112,900.00 ZZ 360 112,900.00 1 6.0000 676.89 80 5.7500 676.89 PLANO TX 75025 1 02/15/05 00 0423247311 09 04/01/05 0.0000 0423247311 N 03/01/35 0 9813207 E22/G02 F 389,000.00 ZZ 360 389,000.00 1 6.0000 2332.25 54 5.7500 2332.25 OROVILLE CA 95966 5 02/07/05 00 0423060052 05 04/01/05 0.0000 0423060052 O 03/01/35 0 9813249 E22/U57 F 124,400.00 ZZ 360 124,400.00 1 7.0000 827.64 80 6.7500 827.64 VERO BEACH FL 32967 1 02/15/05 00 0423268028 05 04/01/05 0.0000 0423268028 N 03/01/35 0 9813255 E22/G02 F 156,500.00 ZZ 360 156,500.00 1 6.2500 963.60 79 6.0000 963.60 OLYMPIA WA 98506 2 02/08/05 00 0423271204 03 04/01/05 0.0000 0423271204 O 03/01/35 0 9813267 E22/G02 F 91,875.00 ZZ 360 91,875.00 1 6.0000 550.84 75 5.7500 550.84 MOSCOW ID 83843 1 02/10/05 00 0423283811 05 04/01/05 0.0000 0423283811 N 03/01/35 0 9813275 E22/G02 F 76,000.00 ZZ 360 76,000.00 1 6.6250 486.64 80 6.3750 486.64 TOLEDO OH 43612 5 02/15/05 00 0423289719 05 04/01/05 0.0000 0423289719 N 03/01/35 0 9813279 E22/U57 F 66,400.00 ZZ 360 66,400.00 1 6.5000 419.69 80 6.2500 419.69 BAY CITY MI 48706 5 02/15/05 00 0423294321 05 04/01/05 0.0000 0423294321 N 03/01/35 0 9813327 E22/U57 F 200,000.00 ZZ 360 200,000.00 1 7.0000 1330.60 80 6.7500 1330.60 CRANSTON RI 02920 1 02/15/05 00 0422971895 05 04/01/05 0.0000 0422971895 O 03/01/35 0 9813337 E22/U57 F 280,000.00 TX 360 280,000.00 1 6.1250 1701.31 80 5.8750 1701.31 BULVERDE TX 78163 5 02/08/05 00 0423121755 05 04/01/05 0.0000 0423121755 O 03/01/35 0 9813341 E22/G02 F 337,400.00 ZZ 360 337,400.00 1 6.6250 1862.73 90 6.3750 1862.73 RATHDRUM ID 83858 1 02/08/05 10 0423124049 05 04/01/05 25.0000 0423124049 N 03/01/35 0 9813349 E22/G02 F 240,350.00 ZZ 360 240,350.00 1 6.8750 1578.93 95 6.6250 1578.93 GILBERT AZ 85296 5 02/07/05 04 0423131184 03 04/01/05 30.0000 0423131184 O 03/01/35 0 9813351 E22/G02 F 80,500.00 ZZ 360 80,500.00 1 6.2500 495.65 89 6.0000 495.65 PUEBLO CO 81005 2 02/15/05 10 0423134055 07 04/01/05 25.0000 0423134055 N 03/01/35 0 9813381 E22/U57 F 83,200.00 ZZ 360 83,200.00 2 7.2500 567.57 80 7.0000 567.57 CHICAGO IL 60628 2 02/15/05 00 0423157239 05 04/01/05 0.0000 0423157239 N 03/01/35 0 9813391 E22/G02 F 114,750.00 ZZ 360 114,750.00 4 6.2500 706.54 75 6.0000 706.54 ALBUQUERQUE NM 87108 1 02/14/05 00 0423166537 05 04/01/05 0.0000 0423166537 N 03/01/35 0 9813393 E22/G02 F 89,600.00 ZZ 360 89,600.00 4 6.1250 544.42 80 5.8750 544.42 ROANOKE VA 24016 1 02/15/05 00 0423168178 05 04/01/05 0.0000 0423168178 N 03/01/35 0 9813415 E22/G02 F 77,000.00 ZZ 360 77,000.00 1 6.2500 474.10 70 6.0000 474.10 OROSI CA 93647 5 02/09/05 00 0423329879 05 04/01/05 0.0000 0423329879 N 03/01/35 0 9813423 E22/G02 F 53,000.00 ZZ 360 53,000.00 1 6.3750 330.65 78 6.1250 330.65 DEARBORN HEIGHMI 48125 1 02/15/05 00 0423336577 05 04/01/05 0.0000 0423336577 N 03/01/35 0 9813425 E22/U57 F 288,000.00 ZZ 360 288,000.00 1 6.5000 1820.36 80 6.2500 1820.36 HOUSTON TX 77004 1 02/15/05 00 0423343987 09 04/01/05 0.0000 0423343987 O 03/01/35 0 9813429 E22/U57 F 52,000.00 ZZ 360 52,000.00 1 6.5000 328.68 80 6.2500 328.68 GRAND JUNCTIONCO 81501 5 02/15/05 00 0423351675 09 04/01/05 0.0000 0423351675 N 03/01/35 0 9813431 E22/U57 F 120,800.00 ZZ 360 120,800.00 1 6.5000 763.54 80 6.2500 763.54 GRAND JUNCTIONCO 81501 5 02/15/05 00 0423352376 05 04/01/05 0.0000 0423352376 N 03/01/35 0 9813433 E22/U57 F 123,200.00 ZZ 360 123,200.00 2 6.5000 778.71 80 6.2500 778.71 GRAND JUNCTIONCO 81501 5 02/15/05 00 0423357094 05 04/01/05 0.0000 0423357094 N 03/01/35 0 9813441 E22/G02 F 57,000.00 ZZ 360 57,000.00 1 6.2500 350.96 82 6.0000 350.96 PUEBLO CO 81001 2 02/15/05 10 0423385467 05 04/01/05 20.0000 0423385467 N 03/01/35 0 9813451 E22/G02 F 263,000.00 ZZ 360 263,000.00 1 6.0000 1576.82 95 5.7500 1576.82 BARBOURSVILLE VA 22923 1 02/15/05 04 0423007475 03 04/01/05 35.0000 0423007475 O 03/01/35 0 9813459 E22/U57 F 63,750.00 ZZ 360 63,750.00 1 7.0000 424.13 85 6.7500 424.13 FAYETTEVILLE NC 28311 1 02/15/05 01 0423026970 05 04/01/05 20.0000 0423026970 N 03/01/35 0 9813463 E22/G02 F 116,175.00 ZZ 360 116,086.60 4 7.3750 802.39 75 7.1250 802.39 LANCASTER PA 17602 1 01/26/05 00 0423027861 05 03/01/05 0.0000 0423027861 N 02/01/35 0 9813479 E22/U57 F 344,000.00 ZZ 360 344,000.00 1 6.5000 2174.31 80 6.2500 2174.31 WEIRSDALE FL 32195 5 02/10/05 00 0423050509 05 04/01/05 0.0000 0423050509 O 03/01/35 0 9814313 N74/G02 F 57,000.00 ZZ 360 57,000.00 1 6.5000 360.28 95 6.2500 360.28 GREENSBORO NC 27409 2 01/31/05 10 0438983538 01 04/01/05 30.0000 0035809010 O 03/01/35 0 9814737 T76/U57 F 88,000.00 ZZ 360 88,000.00 1 7.9750 644.18 80 7.7250 644.18 AUGUSTA GA 30909 5 02/11/05 00 0438963928 05 04/01/05 0.0000 90315994 N 03/01/35 0 9814817 U85/U57 F 127,500.00 ZZ 360 127,500.00 2 7.1250 858.99 85 6.8750 858.99 MENASHA WI 54952 5 02/11/05 48 0438973000 05 04/01/05 25.0000 001270020 N 03/01/35 0 9815011 U85/G02 F 89,600.00 ZZ 360 89,600.00 4 7.2500 611.23 78 7.0000 611.23 MOLINE IL 61265 2 02/15/05 00 0438953473 05 04/01/05 0.0000 TQSMORGAN N 03/01/35 0 9815103 E22/G02 F 115,200.00 ZZ 360 115,200.00 1 6.1250 699.97 90 5.8750 699.97 CORDOVA TN 38018 2 02/16/05 04 0423377852 05 04/01/05 25.0000 0423377852 N 03/01/35 0 9815107 E22/G02 F 59,484.00 ZZ 360 59,484.00 2 6.8750 390.77 67 6.6250 390.77 SAINT LOUIS MO 63115 5 02/16/05 00 0423382209 05 04/01/05 0.0000 0423382209 N 03/01/35 0 9815123 E22/G02 F 58,400.00 ZZ 360 58,400.00 1 6.2500 359.58 80 6.0000 359.58 GREENVILLE SC 29605 2 02/16/05 00 0422757328 05 04/01/05 0.0000 0422757328 N 03/01/35 0 9815149 E22/G02 F 176,000.00 ZZ 360 176,000.00 1 6.0000 1055.21 68 5.7500 1055.21 BRICK NJ 08724 2 02/16/05 00 0422976563 05 04/01/05 0.0000 0422976563 N 03/01/35 0 9815163 E22/G02 F 125,000.00 ZZ 360 125,000.00 1 6.1250 638.02 32 5.8750 638.02 BERKELEY CA 94703 5 02/09/05 00 0423007129 01 04/01/05 0.0000 0423007129 O 03/01/35 0 9815173 E22/U57 F 190,250.00 ZZ 360 190,250.00 1 6.0000 1140.64 80 5.7500 1140.64 AUBURN WA 98002 2 02/09/05 00 0423051861 03 04/01/05 0.0000 0423051861 N 03/01/35 0 9815181 E22/G02 F 472,000.00 ZZ 360 472,000.00 1 7.6250 3340.79 80 7.3750 3340.79 FREDERICKSBURGVA 22408 5 02/11/05 00 0423074053 03 04/01/05 0.0000 0423074053 O 03/01/35 0 9815203 E22/G02 F 292,000.00 ZZ 360 292,000.00 1 6.2500 1797.89 72 6.0000 1797.89 JASPER GA 30143 5 02/11/05 00 0423105519 05 04/01/05 0.0000 0423105519 O 03/01/35 0 9815215 E22/G02 F 156,000.00 ZZ 360 156,000.00 1 6.5000 986.03 80 6.2500 986.03 TACOMA WA 98444 2 02/11/05 00 0423120773 05 04/01/05 0.0000 0423120773 O 03/01/35 0 9815225 E22/G02 F 134,000.00 ZZ 360 134,000.00 1 7.1250 902.78 79 6.8750 902.78 CRESTVIEW FL 32539 5 02/10/05 00 0423135243 05 04/01/05 0.0000 0423135243 O 03/01/35 0 9815287 E22/U57 F 212,417.00 ZZ 360 212,417.00 1 6.5000 1342.62 90 6.2500 1342.62 DENVER CO 80249 1 02/16/05 04 0423200039 03 04/01/05 30.0000 0423200039 O 03/01/35 0 9815351 E22/G02 F 280,000.00 ZZ 360 280,000.00 1 6.3750 1746.84 75 6.1250 1746.84 HENDERSON NV 89015 5 02/08/05 00 0423244821 03 04/01/05 0.0000 0423244821 O 03/01/35 0 9815371 E22/G02 F 148,800.00 ZZ 360 148,800.00 1 6.5000 806.00 80 6.2500 806.00 BUCKEYE AZ 85326 5 02/15/05 00 0423261924 03 04/01/05 0.0000 0423261924 O 03/01/35 0 9815377 E22/G02 F 104,000.00 ZZ 360 104,000.00 1 6.7500 674.54 73 6.5000 674.54 MILTON-FREEWATOR 97862 5 02/11/05 00 0423266220 05 04/01/05 0.0000 0423266220 N 03/01/35 0 9815397 E22/G02 F 54,400.00 ZZ 360 54,400.00 1 6.0000 326.16 80 5.7500 326.16 AVENAL CA 93204 1 02/08/05 00 0423335223 05 04/01/05 0.0000 0423335223 N 03/01/35 0 9815405 E22/U57 F 84,700.00 ZZ 360 84,700.00 1 6.5000 535.36 70 6.2500 535.36 FRUITA CO 81521 5 02/16/05 00 0423349216 05 04/01/05 0.0000 0423349216 N 03/01/35 0 9815779 A52/G02 F 151,600.00 ZZ 360 151,600.00 1 6.1250 921.14 80 5.8750 921.14 MONTGOMERY AL 36117 1 02/17/05 00 0438963589 05 04/01/05 0.0000 32507 O 03/01/35 0 9815843 E11/G02 F 70,200.00 ZZ 360 70,200.00 3 6.2500 432.23 90 6.0000 432.23 AUSTIN MN 55912 1 02/15/05 04 0438975427 05 04/01/05 25.0000 0202001077020 N 03/01/35 0 9815925 L21/G02 F 155,900.00 ZZ 360 155,752.07 1 6.2500 959.91 80 6.0000 959.91 GRIFFIN GA 30223 1 02/01/05 00 0438974081 05 03/01/05 0.0000 26503832 O 02/01/35 0 9816027 L21/G02 F 224,000.00 ZZ 360 224,000.00 1 6.8750 1471.53 80 6.6250 1471.53 PALM BEACH FL 33480 5 02/04/05 00 0438974545 08 04/01/05 0.0000 70304920 O 03/01/35 0 9816359 E22/G02 F 200,700.00 ZZ 360 200,700.00 1 6.2500 1235.74 90 6.0000 1235.74 URSINE NV 89043 1 02/08/05 10 0422833731 05 04/01/05 25.0000 0422833731 O 03/01/35 0 9816413 E22/U57 F 553,000.00 ZZ 360 553,000.00 2 6.1250 3360.09 70 5.8750 3360.09 KENSINGTON CA 94706 5 02/10/05 00 0423139997 05 04/01/05 0.0000 0423139997 N 03/01/35 0 9816421 E22/G02 F 110,400.00 ZZ 360 110,400.00 1 6.0000 661.90 80 5.7500 661.90 NIXA MO 65714 1 02/17/05 00 0423154012 05 04/01/05 0.0000 0423154012 O 03/01/35 0 9816435 E22/G02 F 58,000.00 ZZ 360 58,000.00 1 6.5000 366.60 78 6.2500 366.60 MOORE OK 73160 2 02/11/05 00 0423168756 05 04/01/05 0.0000 0423168756 N 03/01/35 0 9816439 E22/G02 F 57,600.00 ZZ 360 57,600.00 1 6.5000 364.07 80 6.2500 364.07 MOORE OK 73160 2 02/11/05 00 0423168863 05 04/01/05 0.0000 0423168863 N 03/01/35 0 9816479 E22/G02 F 141,500.00 ZZ 360 141,500.00 1 6.5000 894.38 90 6.2500 894.38 STUART FL 34997 1 02/17/05 10 0423232644 09 04/01/05 25.0000 0423232644 N 03/01/35 0 9816489 E22/G02 F 139,500.00 ZZ 360 139,500.00 1 6.1250 847.62 90 5.8750 847.62 TUCSON AZ 85741 5 02/08/05 01 0423240316 05 04/01/05 25.0000 0423240316 O 03/01/35 0 9816549 E22/U57 F 147,150.00 ZZ 360 147,150.00 1 6.2500 906.03 90 6.0000 906.03 HOUSTON TX 77077 1 02/17/05 04 0423329770 03 04/01/05 25.0000 0423329770 O 03/01/35 0 9816571 E22/G02 F 156,000.00 ZZ 360 156,000.00 1 6.1250 947.87 80 5.8750 947.87 HARTVILLE MO 65667 1 02/17/05 00 0423403013 05 04/01/05 0.0000 0423403013 O 03/01/35 0 9816601 E82/G02 F 104,500.00 ZZ 360 104,500.00 1 7.1250 704.04 80 6.8750 704.04 SARALAND AL 36571 2 02/18/05 00 0401080858 05 04/01/05 0.0000 0401080858 N 03/01/35 0 9817517 E11/G02 F 135,900.00 ZZ 360 135,900.00 1 6.8750 892.77 80 6.6250 892.77 SPRING LAKE PAMN 55432 1 02/15/05 00 0438978173 05 04/01/05 0.0000 0010001076386 N 03/01/35 0 9817577 L14/G02 F 309,450.00 ZZ 360 309,141.94 1 6.0000 1855.31 80 5.7500 1855.31 N LAS VEGAS NV 89086 1 01/26/05 00 0438984940 03 03/01/05 0.0000 134303923 O 02/01/35 0 9817587 L14/G02 F 197,452.00 ZZ 360 197,452.00 1 6.5000 1069.53 80 6.2500 1069.53 FRISCO TX 75034 1 01/27/05 00 0438984700 03 03/01/05 0.0000 276201447 O 02/01/35 0 9817591 L14/G02 F 105,250.00 ZZ 360 105,250.00 1 6.3750 559.14 80 6.1250 559.14 LITTLE ELM TX 75068 1 01/01/05 00 0438983264 05 03/01/05 0.0000 114229171 N 02/01/35 0 9817605 L14/G02 F 138,000.00 ZZ 360 138,000.00 1 6.2500 718.75 80 6.0000 718.75 ALBUQUERQUE NM 87111 1 01/20/05 00 0438977399 05 03/01/05 0.0000 219305340 O 02/01/35 0 9817627 L14/G02 F 174,800.00 ZZ 360 174,800.00 1 6.3750 928.63 80 6.1250 928.63 BEACON NY 12508 1 01/05/05 00 0438980039 05 03/01/05 0.0000 218307127 O 02/01/35 0 9817665 L14/G02 F 219,920.00 ZZ 360 219,706.25 1 6.1250 1336.26 80 5.8750 1336.26 QUEEN CREEK AZ 85242 1 01/03/05 00 0438986697 03 03/01/05 0.0000 224501918 O 02/01/35 0 9817669 L14/G02 F 152,000.00 ZZ 360 151,862.58 1 6.5000 960.75 95 6.2500 960.75 MANCHESTER NH 03104 1 01/31/05 11 0438983868 01 03/01/05 30.0000 215741186 O 02/01/35 0 9817679 L14/G02 F 164,000.00 ZZ 360 163,836.73 1 6.0000 983.27 80 5.7500 983.27 RICHMOND VA 23229 1 01/28/05 00 0438979973 05 03/01/05 0.0000 210352056 O 02/01/35 0 9817715 L14/G02 F 132,000.00 ZZ 360 131,868.59 1 6.0000 791.41 80 5.7500 791.41 APACHE JUNCTIOAZ 85218 1 01/10/05 00 0438981466 03 03/01/05 0.0000 202126953 O 02/01/35 0 9817753 L14/G02 F 165,000.00 ZZ 360 164,854.42 1 6.6250 1056.52 95 6.3750 1056.52 HOLLAND OH 43528 1 01/25/05 11 0438983090 05 03/01/05 30.0000 119425491 O 02/01/35 0 9817757 L14/G02 F 178,106.00 ZZ 360 178,106.00 1 6.0000 1067.84 80 5.7500 1067.84 ROMULUS MI 48174 1 02/04/05 00 0438983033 05 04/01/05 0.0000 123103048 O 03/01/35 0 9817773 L14/G02 F 441,271.00 ZZ 360 441,271.00 1 6.1250 2252.32 80 5.8750 2252.32 YUMA AZ 85365 1 01/21/05 00 0438983843 05 03/01/05 0.0000 225500230 O 02/01/35 0 9817783 L14/G02 F 348,000.00 ZZ 360 348,000.00 1 6.1250 1776.25 80 5.8750 1776.25 ARLINGTON VA 22206 1 01/10/05 00 0438983827 01 03/01/05 0.0000 205839369 O 02/01/35 0 9817787 L14/G02 F 154,800.00 ZZ 360 154,645.89 1 6.0000 928.11 80 5.7500 928.11 CHARLOTTE NC 28277 1 01/19/05 00 0438984213 03 03/01/05 0.0000 101123448 O 02/01/35 0 9817807 L14/G02 F 112,000.00 ZZ 360 111,888.50 1 6.0000 671.50 80 5.7500 671.50 KANSAS CITY MO 64151 1 01/25/05 00 0438979270 05 03/01/05 0.0000 214507479 O 02/01/35 0 9817817 L14/G02 F 126,000.00 ZZ 360 125,748.49 1 6.0000 755.44 80 5.7500 755.44 SMITHFIELD NC 27577 1 01/06/05 00 0438989717 03 02/01/05 0.0000 282500683 O 01/01/35 0 9817855 L14/G02 F 194,004.00 ZZ 360 194,004.00 1 6.0000 970.02 80 5.7500 970.02 ST AUGUSTINE FL 32095 1 12/31/04 00 0438983967 03 02/01/05 0.0000 260202803 O 01/01/35 0 9817981 Y75/G02 F 134,000.00 T 360 134,000.00 1 6.3750 835.99 66 6.1250 835.99 CAPE CANAVERALFL 32920 1 02/11/05 00 0438978355 01 04/01/05 0.0000 530001910 O 03/01/35 0 9817983 S43/G02 F 72,360.00 ZZ 360 72,360.00 2 6.2500 445.53 80 6.0000 445.53 ALBUQUERQUE NM 87123 1 02/16/05 00 0438978413 05 04/01/05 0.0000 0957704000 N 03/01/35 0 9818033 E22/G02 F 319,990.00 ZZ 360 319,990.00 1 6.0000 1918.50 80 5.7500 1918.50 NORTH ARLINGTONJ 07031 1 02/07/05 00 0422614735 05 04/01/05 0.0000 0422614735 O 03/01/35 0 9818051 E22/U57 F 119,000.00 ZZ 360 119,000.00 1 6.2500 732.70 80 6.0000 732.70 TAFT CA 93268 1 02/15/05 00 0422876540 05 04/01/05 0.0000 0422876540 N 03/01/35 0 9818079 E22/U57 F 135,200.00 ZZ 360 135,200.00 1 6.1250 821.49 80 5.8750 821.49 CASHMERE WA 98815 1 02/15/05 00 0422966069 05 04/01/05 0.0000 0422966069 O 03/01/35 0 9818097 E22/U57 F 185,200.00 ZZ 360 185,200.00 1 6.6250 1185.86 80 6.3750 1185.86 EUGENE OR 97405 5 02/10/05 00 0423024355 05 04/01/05 0.0000 0423024355 O 03/01/35 0 9818119 E22/G02 F 300,000.00 ZZ 360 300,000.00 1 6.1250 1822.83 80 5.8750 1822.83 WEST CALDWELL NJ 07006 1 02/18/05 00 0423055995 05 04/01/05 0.0000 0423055995 O 03/01/35 0 9818123 E22/U57 F 219,000.00 ZZ 360 219,000.00 1 6.1250 1330.67 67 5.8750 1330.67 FONTANA CA 92337 2 02/10/05 00 0423059385 05 04/01/05 0.0000 0423059385 O 03/01/35 0 9818197 E22/G02 F 184,000.00 ZZ 360 184,000.00 1 6.2500 1132.92 79 6.0000 1132.92 ORLANDO FL 32817 5 02/14/05 00 0423135573 05 04/01/05 0.0000 0423135573 O 03/01/35 0 9818205 E22/G02 F 224,000.00 ZZ 360 224,000.00 1 6.0000 1342.99 73 5.7500 1342.99 SACRAMENTO CA 95842 5 02/08/05 00 0423140276 05 04/01/05 0.0000 0423140276 O 03/01/35 0 9818251 E22/U57 F 151,100.00 ZZ 360 151,100.00 1 7.3750 1043.61 80 7.1250 1043.61 SUMMERVILLE SC 29485 1 02/18/05 00 0423201664 05 04/01/05 0.0000 0423201664 O 03/01/35 0 9818269 E22/G02 F 188,000.00 ZZ 360 188,000.00 1 6.3750 998.75 80 6.1250 998.75 HUDSON FL 34669 1 02/18/05 00 0423211853 05 04/01/05 0.0000 0423211853 O 03/01/35 0 9818287 E22/G02 F 152,357.00 ZZ 360 152,357.00 2 6.7500 988.18 80 6.5000 988.18 HOUSTON TX 77004 1 02/15/05 00 0423252378 05 04/01/05 0.0000 0423252378 N 03/01/35 0 9818289 E22/G02 F 87,920.00 ZZ 360 87,920.00 1 6.5000 555.71 80 6.2500 555.71 HOUSTON TX 77073 1 02/15/05 00 0423252519 03 04/01/05 0.0000 0423252519 N 03/01/35 0 9818295 E22/G02 F 94,250.00 ZZ 360 94,250.00 2 6.5000 595.72 75 6.2500 595.72 WATERBURY CT 06708 2 02/18/05 00 0423255785 05 04/01/05 0.0000 0423255785 N 03/01/35 0 9818301 E22/U57 F 52,700.00 ZZ 360 52,700.00 1 7.1250 355.05 85 6.8750 355.05 SOUTH BEND IN 46619 1 02/21/05 04 0423257765 05 04/01/05 30.0000 0423257765 N 03/01/35 0 9818327 E22/G02 F 108,000.00 ZZ 360 108,000.00 1 6.0000 647.51 87 5.7500 647.51 GREAT FALLS MT 59401 1 02/18/05 01 0423278621 05 04/01/05 25.0000 0423278621 O 03/01/35 0 9818347 E22/G02 F 216,000.00 ZZ 360 216,000.00 1 6.2500 1125.00 80 6.0000 1125.00 BATON ROUGE LA 70810 1 02/18/05 00 0423289537 03 04/01/05 0.0000 0423289537 O 03/01/35 0 9818353 E22/G02 F 87,750.00 ZZ 360 87,750.00 1 7.8750 636.25 90 7.6250 636.25 CEDAR PARK TX 78613 1 02/18/05 10 0423297332 05 04/01/05 25.0000 0423297332 N 03/01/35 0 9818361 E22/U57 F 150,337.00 ZZ 360 150,337.00 1 6.8750 987.61 95 6.6250 987.61 COLUMBIA SC 29063 1 02/18/05 04 0423310051 03 04/01/05 30.0000 0423310051 O 03/01/35 0 9818365 E22/U57 F 183,000.00 ZZ 360 183,000.00 1 6.3750 1141.68 84 6.1250 1141.68 GILBERT AZ 85296 5 02/10/05 10 0423312081 03 04/01/05 12.0000 0423312081 O 03/01/35 0 9818377 E22/G02 F 77,760.00 ZZ 360 77,760.00 1 6.1250 472.48 75 5.8750 472.48 CLEARFIELD UT 84015 1 02/04/05 00 0423213297 05 04/01/05 0.0000 0423213297 N 03/01/35 0 9818379 E22/G02 F 208,000.00 ZZ 360 208,000.00 1 6.0000 1247.07 80 5.7500 1247.07 STONEHAM MA 02180 5 02/14/05 00 0423215102 01 04/01/05 0.0000 0423215102 O 03/01/35 0 9818397 E22/U57 F 359,650.00 T 360 359,650.00 1 6.5000 2273.23 72 6.2500 2273.23 REEDS SPRING MO 65737 5 02/18/05 00 0423233816 05 04/01/05 0.0000 0423233816 O 03/01/35 0 9818445 E22/G02 F 63,750.00 ZZ 360 63,750.00 4 6.5000 402.94 85 6.2500 402.94 JACKS0N MS 39213 1 02/14/05 10 0423340314 05 04/01/05 20.0000 0423340314 N 03/01/35 0 9818449 E22/G02 F 96,750.00 ZZ 360 96,750.00 1 6.5000 611.53 75 6.2500 611.53 CHALFONT PA 18914 1 02/18/05 00 0423346691 01 04/01/05 0.0000 0423346691 N 03/01/35 0 9818683 E82/G02 F 203,500.00 ZZ 360 203,500.00 1 6.1250 1236.49 80 5.8750 1236.49 RICHLAND WA 99352 2 02/11/05 00 0401062518 03 04/01/05 0.0000 0401062518 O 03/01/35 0 9818685 E82/G02 F 187,600.00 ZZ 360 187,600.00 1 6.1250 1139.88 67 5.8750 1139.88 RIO RANCHO NM 87144 2 02/11/05 00 0401062591 05 04/01/05 0.0000 0401062591 O 03/01/35 0 9818951 L14/G02 F 168,000.00 ZZ 360 167,832.75 1 6.0000 1007.25 80 5.7500 1007.25 AURORA CO 80018 1 01/25/05 00 0438985541 03 03/01/05 0.0000 104129389 O 02/01/35 0 9818965 L14/G02 F 124,260.00 ZZ 360 124,139.22 1 6.1250 755.02 80 5.8750 755.02 MURFREESBORO TN 37128 1 01/05/05 00 0438987927 05 03/01/05 0.0000 230329365 O 02/01/35 0 9818973 L14/G02 F 155,500.00 ZZ 360 155,352.45 1 6.2500 957.45 80 6.0000 957.45 GREENACRES FL 33467 1 01/26/05 00 0438987117 01 03/01/05 0.0000 120004291 O 02/01/35 0 9818995 L14/G02 F 359,650.00 ZZ 360 359,249.66 1 6.0000 2156.29 80 5.7500 2156.29 FRISCO TX 75034 1 01/13/05 00 0438987802 03 03/01/05 0.0000 215508184 O 02/01/35 0 9819043 L14/G02 F 150,000.00 ZZ 360 149,850.67 1 6.0000 899.33 53 5.7500 899.33 BAKERSFIELD CA 93311 1 01/06/05 00 0438987091 05 03/01/05 0.0000 121504825 O 02/01/35 0 9819047 L14/G02 F 176,800.00 ZZ 360 176,623.99 1 6.0000 1060.01 80 5.7500 1060.01 ROCHESTER MN 55901 1 01/28/05 00 0438986689 05 03/01/05 0.0000 208322313 O 02/01/35 0 9819121 L14/G02 F 142,400.00 ZZ 360 142,261.59 1 6.1250 865.24 80 5.8750 865.24 ALBUQUERQUE NM 87114 1 01/20/05 00 0438986184 05 03/01/05 0.0000 219305295 O 02/01/35 0 9819157 Q30/G02 F 288,000.00 ZZ 360 288,000.00 1 6.5000 1560.00 80 6.2500 1560.00 HAMDEN CT 06517 2 01/31/05 00 0438977944 05 03/01/05 0.0000 40038790 O 02/01/35 0 9819253 L20/G02 F 271,200.00 ZZ 360 271,200.00 1 6.0000 1625.98 80 5.7500 1625.98 NORTH SALT LAKUT 84054 1 02/15/05 00 0438982191 05 04/01/05 0.0000 1061070915 O 03/01/35 0 9819407 E22/G02 F 123,000.00 ZZ 360 123,000.00 1 6.0000 737.45 80 5.7500 737.45 LISBON ME 04250 5 02/15/05 00 0423131937 05 04/01/05 0.0000 0423131937 O 03/01/35 0 9819419 E22/G02 F 124,000.00 ZZ 360 124,000.00 1 6.3750 658.75 80 6.1250 658.75 PUEBLO CO 81007 5 02/15/05 00 0423144955 05 04/01/05 0.0000 0423144955 O 03/01/35 0 9819459 E22/G02 F 76,000.00 TX 360 76,000.00 1 6.8750 499.27 80 6.6250 499.27 EL PASO TX 79922 5 02/18/05 00 0423184845 05 04/01/05 0.0000 0423184845 N 03/01/35 0 9819467 E22/G02 F 260,000.00 ZZ 360 260,000.00 1 6.1250 1579.79 74 5.8750 1579.79 DENVER CO 80222 5 02/15/05 00 0423191535 05 04/01/05 0.0000 0423191535 O 03/01/35 0 9819475 E22/U57 F 148,665.00 ZZ 360 148,665.00 2 6.1250 903.30 85 5.8750 903.30 BOKEELIA FL 33922 1 02/22/05 10 0423286400 05 04/01/05 20.0000 0423286400 N 03/01/35 0 9819501 E22/G02 F 150,000.00 ZZ 360 150,000.00 1 6.2500 923.58 69 6.0000 923.58 FRESNO CA 93722 5 02/16/05 00 0423310358 05 04/01/05 0.0000 0423310358 O 03/01/35 0 9819521 E22/U57 F 232,000.00 ZZ 360 232,000.00 1 6.6250 1485.52 77 6.3750 1485.52 MARLBOROUGH CT 06447 5 02/16/05 00 0423332253 05 04/01/05 0.0000 0423332253 O 03/01/35 0 9819527 E22/G02 F 152,000.00 ZZ 360 152,000.00 1 6.6250 973.27 95 6.3750 973.27 STATE COLLEGE PA 16801 2 02/15/05 11 0423335991 05 04/01/05 30.0000 0423335991 O 03/01/35 0 9819571 E22/G02 F 64,400.00 ZZ 360 64,400.00 1 6.2500 396.52 80 6.0000 396.52 OLIVE BRANCH MS 38654 5 02/22/05 00 0423369958 05 04/01/05 0.0000 0423369958 N 03/01/35 0 9819577 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.0000 1199.10 73 5.7500 1199.10 SUN VALLEY NV 89433 5 02/10/05 00 0423372655 03 04/01/05 0.0000 0423372655 O 03/01/35 0 9819633 E22/U57 F 288,000.00 ZZ 360 288,000.00 1 6.5000 1820.36 80 6.2500 1820.36 OXNARD CA 93035 5 02/11/05 00 0423207711 01 04/01/05 0.0000 0423207711 O 03/01/35 0 9819635 E22/G02 F 186,000.00 ZZ 360 186,000.00 1 6.1250 1130.16 54 5.8750 1130.16 MIDDLETOWN NJ 07748 5 02/16/05 00 0423208115 05 04/01/05 0.0000 0423208115 O 03/01/35 0 9819637 E22/G02 F 200,000.00 TX 360 200,000.00 1 6.0000 1199.10 43 5.7500 1199.10 AUSTIN TX 78703 5 02/16/05 00 0423209717 05 04/01/05 0.0000 0423209717 O 03/01/35 0 9819645 E22/G02 F 208,000.00 ZZ 360 208,000.00 4 6.0000 1247.07 80 5.7500 1247.07 SALEM OR 97301 1 02/11/05 00 0423212992 05 04/01/05 0.0000 0423212992 N 03/01/35 0 9819651 E22/U57 F 142,400.00 TX 360 142,400.00 1 6.0000 853.76 80 5.7500 853.76 ALVARADO TX 76009 5 02/16/05 00 0423221282 05 04/01/05 0.0000 0423221282 O 03/01/35 0 9819683 E22/G02 F 620,000.00 ZZ 360 620,000.00 1 6.1250 3767.19 80 5.8750 3767.19 VANCOUVER WA 98685 1 02/16/05 00 0423253400 05 04/01/05 0.0000 0423253400 O 03/01/35 0 9819695 E22/U57 F 152,000.00 ZZ 360 152,000.00 1 6.7500 985.87 80 6.5000 985.87 OLDSMAR FL 34685 1 02/22/05 00 0423260868 03 04/01/05 0.0000 0423260868 N 03/01/35 0 9819697 E22/G02 F 276,000.00 ZZ 360 276,000.00 1 6.7500 1790.13 80 6.5000 1790.13 NORTHPORT NY 11768 5 02/22/05 00 0423263235 05 04/01/05 0.0000 0423263235 N 03/01/35 0 9819703 E22/G02 F 64,000.00 ZZ 360 64,000.00 1 6.2500 394.06 80 6.0000 394.06 OLIVE BRANCH MS 38654 5 02/22/05 00 0423271139 05 04/01/05 0.0000 0423271139 N 03/01/35 0 9819773 E22/G02 F 150,000.00 ZZ 360 150,000.00 1 6.1250 911.42 59 5.8750 911.42 COLCHESTER VT 05446 5 02/16/05 00 0423061027 05 04/01/05 0.0000 0423061027 O 03/01/35 0 9819779 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.3750 1247.74 80 6.1250 1247.74 SMOOT WY 83126 2 02/15/05 00 0423075894 05 04/01/05 0.0000 0423075894 O 03/01/35 0 9819799 E22/G02 F 183,920.00 ZZ 360 183,920.00 1 6.0000 1102.69 80 5.7500 1102.69 BOISE ID 83709 1 02/10/05 00 0423089788 05 04/01/05 0.0000 0423089788 O 03/01/35 0 9819811 E22/U57 F 137,640.00 ZZ 360 137,640.00 1 6.3750 858.69 80 6.1250 858.69 APOPKA FL 32703 1 02/22/05 00 0423108430 03 04/01/05 0.0000 0423108430 O 03/01/35 0 9820033 E82/G02 F 208,800.00 ZZ 360 208,800.00 1 6.5000 1319.76 80 6.2500 1319.76 DURANGO CO 81301 5 02/16/05 00 0401071402 05 04/01/05 0.0000 0401071402 O 03/01/35 0 9820053 A52/G02 F 94,000.00 ZZ 360 94,000.00 1 6.5000 594.14 70 6.2500 594.14 WINDER GA 30680 2 02/21/05 00 0438983082 05 04/01/05 0.0000 32481 N 03/01/35 0 9820063 A52/G02 F 86,500.00 ZZ 360 86,500.00 1 6.6250 553.87 76 6.3750 553.87 BRASELTON GA 30517 2 02/21/05 00 0438983413 05 04/01/05 0.0000 32479 N 03/01/35 0 9820187 A52/G02 F 171,000.00 ZZ 360 171,000.00 1 6.3750 1066.82 90 6.1250 1066.82 LARGO FL 33774 1 02/22/05 11 0438975609 05 04/01/05 25.0000 32341 O 03/01/35 0 9820193 A52/G02 F 98,000.00 ZZ 360 98,000.00 1 6.5000 619.43 80 6.2500 619.43 WINDER GA 30680 2 02/21/05 00 0438983926 05 04/01/05 0.0000 32482 N 03/01/35 0 9820197 A52/G02 F 105,000.00 ZZ 360 105,000.00 1 6.5000 663.67 73 6.2500 663.67 FLOWERY BRANCHGA 30542 5 02/21/05 00 0438983561 05 04/01/05 0.0000 32480 N 03/01/35 0 9820529 E22/G02 F 238,400.00 ZZ 360 238,400.00 1 6.2500 1241.67 80 6.0000 1241.67 OLYMPIA WA 98512 5 02/16/05 00 0423235639 05 04/01/05 0.0000 0423235639 O 03/01/35 0 9820549 E22/G02 F 179,350.00 ZZ 360 179,350.00 1 6.5000 971.48 85 6.2500 971.48 SPRING HILL FL 34609 5 02/17/05 10 0423248269 03 04/01/05 12.0000 0423248269 O 03/01/35 0 9820613 E22/G02 F 217,600.00 TX 360 217,600.00 1 6.5000 1375.38 80 6.2500 1375.38 DALLAS TX 75248 5 02/17/05 00 0423319490 05 04/01/05 0.0000 0423319490 O 03/01/35 0 9820625 E22/G02 F 96,800.00 ZZ 360 96,800.00 1 6.5000 524.33 80 6.2500 524.33 DESOTO TX 75115 2 02/23/05 00 0423335074 05 04/01/05 0.0000 0423335074 N 03/01/35 0 9820633 E22/G02 F 102,937.00 ZZ 360 102,937.00 1 6.3750 642.19 75 6.1250 642.19 ALBUQUERQUE NM 87114 1 02/17/05 00 0423339720 05 04/01/05 0.0000 0423339720 N 03/01/35 0 9820635 E22/G02 F 322,000.00 ZZ 360 322,000.00 3 6.5000 2035.26 68 6.2500 2035.26 BROCKTON MA 02301 2 02/23/05 00 0423343623 05 04/01/05 0.0000 0423343623 N 03/01/35 0 9820641 E22/G02 F 84,000.00 ZZ 360 84,000.00 4 6.6250 537.86 80 6.3750 537.86 BAYTOWN TX 77520 2 02/23/05 00 0423348416 05 04/01/05 0.0000 0423348416 N 03/01/35 0 9820657 E22/G02 F 103,200.00 ZZ 360 103,200.00 1 6.0000 618.74 80 5.7500 618.74 SPOKANE WA 99223 1 02/16/05 00 0423373216 05 04/01/05 0.0000 0423373216 N 03/01/35 0 9820691 E22/G02 F 95,920.00 ZZ 360 95,920.00 1 6.5000 606.28 80 6.2500 606.28 SALT LAKE CITYUT 84116 1 02/16/05 00 0423428325 05 04/01/05 0.0000 0423428325 N 03/01/35 0 9820693 E22/G02 F 108,000.00 ZZ 360 108,000.00 4 6.6250 691.54 80 6.3750 691.54 FARMINGTON NM 87410 1 02/18/05 00 0423428614 05 04/01/05 0.0000 0423428614 N 03/01/35 0 9820713 E22/G02 F 117,000.00 ZZ 360 117,000.00 1 6.5000 633.75 90 6.2500 633.75 LONG BRANCH NJ 07740 1 02/23/05 04 0422867374 01 04/01/05 25.0000 0422867374 N 03/01/35 0 9820761 E22/G02 F 116,800.00 ZZ 240 116,800.00 1 6.0000 836.79 80 5.7500 836.79 COLUMBIA TN 38401 5 02/07/05 00 0423089556 05 04/01/05 0.0000 0423089556 O 03/01/25 0 9820777 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.0000 1199.10 79 5.7500 1199.10 THORNFIELD MO 65762 5 02/17/05 00 0423106723 05 04/01/05 0.0000 0423106723 O 03/01/35 0 9820781 E22/G02 F 85,600.00 ZZ 360 85,600.00 2 6.5000 541.05 80 6.2500 541.05 SELINSGROVE PA 17870 5 02/23/05 00 0423114693 05 04/01/05 0.0000 0423114693 N 03/01/35 0 9820839 E22/G02 F 72,000.00 ZZ 360 72,000.00 2 6.1250 437.48 90 5.8750 437.48 ONTARIO OR 97914 1 02/03/05 10 0423202316 05 04/01/05 25.0000 0423202316 N 03/01/35 0 9820869 E22/G02 F 428,800.00 ZZ 360 428,800.00 1 6.1250 2605.43 80 5.8750 2605.43 TRACY CA 95377 1 02/14/05 00 0423224856 05 04/01/05 0.0000 0423224856 O 03/01/35 0 9821185 T44/G02 F 155,000.00 ZZ 360 155,000.00 1 6.5000 979.71 63 6.2500 979.71 COOS BAY OR 97420 5 02/08/05 00 0438987653 05 04/01/05 0.0000 11330636 O 03/01/35 0 9821417 U42/G02 F 72,000.00 ZZ 360 72,000.00 2 6.3750 449.19 90 6.1250 449.19 RINGGOLD GA 30736 1 02/22/05 12 0438991382 05 04/01/05 25.0000 69500038 N 03/01/35 0 9821423 H49/G02 F 79,000.00 ZZ 360 79,000.00 1 6.7500 512.39 79 6.5000 512.39 WAYNE MI 48184 2 02/15/05 00 0438988388 05 04/01/05 0.0000 632003 N 03/01/35 0 9821497 883/G02 F 134,562.00 ZZ 360 134,562.00 1 6.6250 861.62 84 6.3750 861.62 PORT SAINT LUCFL 34953 1 02/17/05 04 0438988867 05 04/01/05 12.0000 48002299 O 03/01/35 0 9822581 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.1250 1215.22 80 5.8750 1215.22 SPRINGVILLE AL 35146 5 02/18/05 00 0423052307 05 04/01/05 0.0000 0423052307 O 03/01/35 0 9822633 E22/G02 F 85,875.00 ZZ 360 85,875.00 1 6.3750 535.75 75 6.1250 535.75 ALBUQUERQUE NM 87114 1 02/17/05 00 0423339837 05 04/01/05 0.0000 0423339837 N 03/01/35 0 9822661 E22/G02 F 236,250.00 ZZ 360 236,250.00 1 6.0000 1181.25 75 5.7500 1181.25 DESTIN FL 32541 5 02/24/05 00 0423359520 05 04/01/05 0.0000 0423359520 N 03/01/35 0 9822669 E22/G02 F 210,000.00 ZZ 360 210,000.00 1 6.3750 1310.13 85 6.1250 1310.13 DE FOREST WI 53532 2 02/18/05 04 0423363902 05 04/01/05 25.0000 0423363902 O 03/01/35 0 9822731 E22/G02 F 62,000.00 ZZ 360 62,000.00 4 6.2500 381.74 39 6.0000 381.74 PRICE UT 84501 1 02/16/05 00 0423406594 05 04/01/05 0.0000 0423406594 N 03/01/35 0 9822791 E22/G02 F 158,000.00 ZZ 360 158,000.00 1 6.2500 972.83 82 6.0000 972.83 RANCHOS DE TAONM 87557 5 02/18/05 10 0423123850 05 04/01/05 12.0000 0423123850 O 03/01/35 0 9822845 E22/G02 F 125,000.00 ZZ 360 125,000.00 1 6.5000 790.09 45 6.2500 790.09 SACRAMENTO CA 95828 5 02/09/05 00 0423185453 05 04/01/05 0.0000 0423185453 N 03/01/35 0 9822849 E22/G02 F 79,500.00 ZZ 360 79,500.00 1 6.5000 502.49 75 6.2500 502.49 YPSILANTI MI 48198 5 02/24/05 00 0423187681 05 04/01/05 0.0000 0423187681 N 03/01/35 0 9822851 E22/G02 F 183,000.00 ZZ 360 183,000.00 1 6.1250 934.06 55 5.8750 934.06 LOS BANOS CA 93635 2 02/11/05 00 0423191121 05 04/01/05 0.0000 0423191121 O 03/01/35 0 9822927 E22/G02 F 171,900.00 ZZ 360 171,900.00 1 6.6250 1100.69 90 6.3750 1100.69 COHUTTA GA 30710 1 02/24/05 10 0423246297 05 04/01/05 30.0000 0423246297 O 03/01/35 0 9822943 E22/G02 F 169,000.00 ZZ 360 169,000.00 1 6.5000 1068.19 60 6.2500 1068.19 KINGSBURG CA 93631 5 02/11/05 00 0423257070 05 04/01/05 0.0000 0423257070 O 03/01/35 0 9822983 E22/G02 F 85,600.00 ZZ 360 85,600.00 1 6.3750 534.03 80 6.1250 534.03 BARSTOW CA 92311 1 02/17/05 00 0423285519 05 04/01/05 0.0000 0423285519 N 03/01/35 0 9823009 E22/G02 F 172,000.00 ZZ 360 172,000.00 1 6.3750 913.75 80 6.1250 913.75 BETHANY OK 73008 2 02/18/05 00 0423300490 05 04/01/05 0.0000 0423300490 O 03/01/35 0 9823017 E22/G02 F 126,900.00 ZZ 360 126,900.00 1 6.3750 791.69 90 6.1250 791.69 NOVI MI 48374 1 02/24/05 04 0423308196 05 04/01/05 25.0000 0423308196 N 03/01/35 0 9823023 E22/G02 F 62,910.00 ZZ 360 62,910.00 1 6.6250 402.82 90 6.3750 402.82 SAN ANTONIO TX 78214 1 02/23/05 04 0423309269 05 04/01/05 25.0000 0423309269 N 03/01/35 0 9823045 E82/G02 F 217,200.00 ZZ 360 217,200.00 1 6.2500 1337.34 68 6.0000 1337.34 SACRAMENTO CA 95823 2 02/23/05 00 0401079934 05 04/01/05 0.0000 0401079934 O 03/01/35 0 9823067 E82/G02 F 150,100.00 ZZ 360 150,100.00 1 6.5000 948.74 73 6.2500 948.74 BLAINE MN 55434 2 02/23/05 00 0401075460 05 04/01/05 0.0000 0401075460 O 03/01/35 0 9823069 E82/G02 F 114,400.00 ZZ 360 114,400.00 1 6.2500 704.38 38 6.0000 704.38 N HOLLYWOOD CA 91606 5 02/22/05 00 0401062526 01 04/01/05 0.0000 0401062526 O 03/01/35 0 9823323 E82/G02 F 422,700.00 ZZ 360 422,700.00 1 6.2500 2602.63 68 6.0000 2602.63 MOORHEAD MN 56560 2 02/18/05 00 0401066808 05 04/01/05 0.0000 0401066808 O 03/01/35 0 9823337 E82/G02 F 200,000.00 ZZ 360 200,000.00 1 6.1250 1215.22 76 5.8750 1215.22 BROOMFIELD CO 80020 2 02/17/05 00 0401073481 05 04/01/05 0.0000 0401073481 O 03/01/35 0 9824301 T29/G02 F 209,600.00 ZZ 360 209,600.00 1 6.5000 1135.33 76 6.2500 1135.33 PEORIA AZ 85345 5 02/11/05 00 0438983736 05 04/01/05 0.0000 0001611258 O 03/01/35 0 9824397 E22/G02 F 119,925.00 ZZ 360 119,925.00 1 6.0000 719.01 75 5.7500 719.01 SHERMAN TX 75092 1 02/25/05 00 0423404466 05 04/01/05 0.0000 0423404466 O 03/01/35 0 9824411 E22/G02 F 148,600.00 ZZ 360 148,600.00 2 6.8750 976.20 85 6.6250 976.20 TORRINGTON CT 06790 1 02/25/05 11 0423418102 05 04/01/05 20.0000 0423418102 N 03/01/35 0 9824509 E22/G02 F 269,640.00 ZZ 360 269,640.00 4 6.8750 1771.34 90 6.6250 1771.34 SLIDELL LA 70458 1 02/25/05 10 0423313279 05 04/01/05 25.0000 0423313279 N 03/01/35 0 9824545 E22/G02 F 132,000.00 T 360 132,000.00 1 6.5000 834.33 75 6.2500 834.33 DAYTONA BEACH FL 32118 1 02/25/05 00 0423282185 22 04/01/05 0.0000 0423282185 O 03/01/35 0 9824573 E22/G02 F 108,000.00 ZZ 360 108,000.00 1 6.8750 709.48 80 6.6250 709.48 FT. LAUDERDALEFL 33311 2 02/25/05 00 0423246768 05 04/01/05 0.0000 0423246768 N 03/01/35 0 9824581 E22/G02 F 106,400.00 ZZ 360 106,400.00 1 6.8750 698.97 80 6.6250 698.97 FT. LAUDERDALEFL 33311 2 02/25/05 00 0423249978 05 04/01/05 0.0000 0423249978 N 03/01/35 0 9824619 E22/G02 F 241,600.00 ZZ 360 241,600.00 1 6.5000 1308.67 80 6.2500 1308.67 BRIDGEWATER NJ 08807 1 02/25/05 00 0422588293 01 04/01/05 0.0000 0422588293 O 03/01/35 0 9824633 E22/G02 F 120,000.00 ZZ 360 120,000.00 1 6.1250 729.13 37 5.8750 729.13 BETHLEHEM PA 18017 1 02/25/05 00 0422817247 05 04/01/05 0.0000 0422817247 O 03/01/35 0 9824639 E22/G02 F 80,100.00 ZZ 360 80,100.00 2 6.6250 512.89 90 6.3750 512.89 FRANKLIN OH 45005 1 02/25/05 04 0422852939 05 04/01/05 25.0000 0422852939 N 03/01/35 0 9824667 E22/G02 F 156,000.00 ZZ 360 156,000.00 1 6.1250 947.87 63 5.8750 947.87 FEDERALSBURG MD 21632 5 02/18/05 00 0423238336 05 04/01/05 0.0000 0423238336 O 03/01/35 0 9824681 E22/G02 F 288,000.00 ZZ 360 288,000.00 1 6.2500 1773.27 80 6.0000 1773.27 JERSEY CITY NJ 07307 1 02/25/05 00 0422931220 07 04/01/05 0.0000 0422931220 O 03/01/35 0 9824693 E22/G02 F 180,000.00 ZZ 360 180,000.00 1 6.0000 1079.19 75 5.7500 1079.19 CALDWELL ID 83605 5 02/14/05 00 0423006865 05 04/01/05 0.0000 0423006865 O 03/01/35 0 9824697 E22/G02 F 195,200.00 T 360 195,200.00 1 6.2500 1201.88 80 6.0000 1201.88 BRANSON MO 65616 1 02/18/05 00 0423015015 01 04/01/05 0.0000 0423015015 O 03/01/35 0 9824699 E22/G02 F 164,000.00 ZZ 360 164,000.00 1 6.1250 996.48 80 5.8750 996.48 TYLER TX 75703 1 02/25/05 00 0423020718 05 04/01/05 0.0000 0423020718 O 03/01/35 0 9824749 E22/G02 F 153,600.00 ZZ 360 153,600.00 1 6.0000 920.91 80 5.7500 920.91 GIG HARBOR WA 98329 1 02/22/05 00 0423214196 05 04/01/05 0.0000 0423214196 O 03/01/35 0 9824787 E22/G02 F 128,000.00 ZZ 360 128,000.00 3 6.5000 809.05 77 6.2500 809.05 MEMPHIS TN 38111 2 02/25/05 00 0423186303 05 04/01/05 0.0000 0423186303 N 03/01/35 0 9824789 E22/G02 F 440,000.00 ZZ 360 440,000.00 1 6.2500 2709.16 80 6.0000 2709.16 PINETOP AZ 85935 1 02/07/05 00 0423187962 05 04/01/05 0.0000 0423187962 O 03/01/35 0 9825385 U05/G02 F 188,000.00 TX 360 188,000.00 1 6.2500 1157.55 80 6.0000 1157.55 SAN ANTONIO TX 78232 5 02/18/05 00 0438994642 05 04/01/05 0.0000 3000713851 O 03/01/35 0 9826141 E22/G02 F 125,000.00 ZZ 360 125,000.00 1 6.5000 790.09 70 6.2500 790.09 VA BEACH VA 23464 2 02/28/05 00 0423339803 05 04/01/05 0.0000 0423339803 N 03/01/35 0 9826175 E22/G02 F 234,000.00 ZZ 360 234,000.00 4 6.5000 1479.04 90 6.2500 1479.04 MANDEVILLE LA 70448 1 02/28/05 10 0423349521 05 04/01/05 25.0000 0423349521 N 03/01/35 0 9826213 E22/G02 F 240,000.00 ZZ 360 240,000.00 1 6.2500 1477.72 80 6.0000 1477.72 FEDERAL WAY WA 98023 2 02/18/05 00 0423356948 03 04/01/05 0.0000 0423356948 O 03/01/35 0 9826237 E22/G02 F 182,750.00 ZZ 360 182,750.00 1 6.5000 989.90 85 6.2500 989.90 ELMORE AL 36025 5 02/22/05 10 0423365808 05 04/01/05 12.0000 0423365808 O 03/01/35 0 9826273 E22/G02 F 165,000.00 ZZ 360 165,000.00 1 6.1250 1002.56 77 5.8750 1002.56 RIVIERA BEACH FL 33407 5 02/22/05 00 0423381508 03 04/01/05 0.0000 0423381508 O 03/01/35 0 9826279 E22/G02 F 464,000.00 ZZ 360 464,000.00 1 6.0000 2320.00 78 5.7500 2320.00 SANTA BARBARA CA 93111 5 02/18/05 00 0423382274 09 04/01/05 0.0000 0423382274 O 03/01/35 0 9826341 E22/G02 F 177,600.00 ZZ 360 177,600.00 1 6.3750 1107.99 80 6.1250 1107.99 ZIMMERMAN MN 55398 5 02/28/05 00 0423416304 05 04/01/05 0.0000 0423416304 N 03/01/35 0 9826353 E22/G02 F 440,000.00 ZZ 360 440,000.00 1 6.0000 2200.00 80 5.7500 2200.00 ESCONDIDO CA 92026 5 02/23/05 00 0423421080 05 04/01/05 0.0000 0423421080 O 03/01/35 0 9826363 E22/G02 F 62,250.00 ZZ 360 62,250.00 2 6.6250 398.59 75 6.3750 398.59 NEW ORLEANS LA 70119 1 02/28/05 00 0423423557 05 04/01/05 0.0000 0423423557 N 03/01/35 0 9826403 E22/G02 F 84,000.00 ZZ 360 84,000.00 1 6.0000 503.62 80 5.7500 503.62 ATHENS GA 30606 1 02/28/05 00 0423440411 05 04/01/05 0.0000 0423440411 N 03/01/35 0 9826405 E22/G02 F 145,875.00 ZZ 360 145,875.00 2 6.5000 922.03 75 6.2500 922.03 TACOMA WA 98409 1 02/24/05 00 0423441500 05 04/01/05 0.0000 0423441500 N 03/01/35 0 9826407 E22/G02 F 59,500.00 ZZ 360 59,500.00 1 6.6250 380.99 76 6.3750 380.99 JACKSONVILLE AR 72076 2 02/25/05 00 0423443274 05 04/01/05 0.0000 0423443274 N 03/01/35 0 9826447 E22/G02 F 80,000.00 ZZ 360 80,000.00 1 6.2500 492.57 80 6.0000 492.57 KANSAS CITY MO 64133 5 02/25/05 00 0423482124 05 04/01/05 0.0000 0423482124 N 03/01/35 0 9826461 E22/G02 F 260,000.00 ZZ 360 260,000.00 1 6.3750 1622.06 80 6.1250 1622.06 SAINT PETERSBUFL 33715 1 02/28/05 00 0423487248 01 04/01/05 0.0000 0423487248 O 03/01/35 0 9826513 E22/G02 F 216,900.00 ZZ 360 216,900.00 1 6.8750 1424.88 90 6.6250 1424.88 BEATRICE NE 68310 2 02/23/05 04 0423063312 05 04/01/05 25.0000 0423063312 O 03/01/35 0 9826555 E22/G02 F 88,500.00 ZZ 360 88,500.00 2 6.5000 559.38 75 6.2500 559.38 PUEBLO CO 81004 5 02/28/05 00 0423118421 05 04/01/05 0.0000 0423118421 N 03/01/35 0 9826577 E22/G02 F 80,625.00 ZZ 360 80,625.00 3 7.1250 543.19 75 6.8750 543.19 HAMBURG PA 19526 1 02/28/05 00 0423150978 05 04/01/05 0.0000 0423150978 N 03/01/35 0 9826601 E22/G02 F 50,000.00 ZZ 360 50,000.00 1 6.5000 316.03 73 6.2500 316.03 MOORE OK 73160 5 02/24/05 00 0423168590 05 04/01/05 0.0000 0423168590 N 03/01/35 0 9826603 E22/G02 F 60,000.00 ZZ 360 60,000.00 1 6.5000 379.24 80 6.2500 379.24 MOORE OK 73160 2 02/24/05 00 0423169044 05 04/01/05 0.0000 0423169044 N 03/01/35 0 9826605 E22/G02 F 56,800.00 ZZ 360 56,800.00 1 6.5000 359.01 80 6.2500 359.01 MOORE OK 73160 2 02/24/05 00 0423169127 05 04/01/05 0.0000 0423169127 N 03/01/35 0 9826609 E22/G02 F 92,800.00 ZZ 360 92,800.00 1 6.7500 522.00 80 6.5000 522.00 LAKE WORTH FL 33461 1 02/28/05 00 0423179696 09 04/01/05 0.0000 0423179696 N 03/01/35 0 9826635 E22/G02 F 108,000.00 ZZ 360 108,000.00 1 6.1250 656.22 80 5.8750 656.22 ATLANTA GA 30318 2 02/28/05 00 0423195569 05 04/01/05 0.0000 0423195569 N 03/01/35 0 9826745 E22/G02 F 56,000.00 ZZ 360 56,000.00 1 6.6250 358.57 80 6.3750 358.57 HENDERSON NC 27537 2 02/28/05 00 0422665562 05 04/01/05 0.0000 0422665562 N 03/01/35 0 9826769 E22/G02 F 64,500.00 ZZ 360 64,500.00 1 6.6250 413.00 75 6.3750 413.00 JACKSONVILLE FL 32209 5 02/28/05 00 0422843573 05 04/01/05 0.0000 0422843573 N 03/01/35 0 9826807 E22/G02 F 180,000.00 ZZ 360 180,000.00 3 6.5000 1137.72 80 6.2500 1137.72 FORT WALTON BEFL 32548 1 02/28/05 00 0423269919 05 04/01/05 0.0000 0423269919 N 03/01/35 0 9826813 E22/G02 F 76,500.00 ZZ 360 76,500.00 1 6.3750 477.26 90 6.1250 477.26 MARTINSBURG WV 25401 1 02/28/05 10 0423276450 05 04/01/05 25.0000 0423276450 N 03/01/35 0 9826835 E22/G02 F 124,000.00 ZZ 360 124,000.00 1 6.0000 743.44 94 5.7500 743.44 LOUDON TN 37774 5 02/23/05 04 0423289131 05 04/01/05 30.0000 0423289131 O 03/01/35 0 9826863 E22/G02 F 488,000.00 ZZ 360 488,000.00 1 6.1250 2490.83 80 5.8750 2490.83 LOS ANGELES CA 90731 1 02/16/05 00 0423300631 05 04/01/05 0.0000 0423300631 O 03/01/35 0 9826865 E22/G02 F 358,400.00 ZZ 360 358,400.00 1 6.2500 2206.73 80 6.0000 2206.73 LAKEWOOD CA 90713 5 02/15/05 00 0423300961 05 04/01/05 0.0000 0423300961 O 03/01/35 0 9826929 E22/G02 F 224,800.00 TX 360 224,800.00 1 6.0000 1347.79 80 5.7500 1347.79 SUGAR LAND TX 77478 5 02/23/05 00 0423319532 03 04/01/05 0.0000 0423319532 O 03/01/35 0 9826951 E22/G02 F 71,100.00 ZZ 360 71,100.00 2 6.6250 455.26 90 6.3750 455.26 FORT PIERCE FL 34950 1 02/28/05 10 0423325562 05 04/01/05 25.0000 0423325562 N 03/01/35 0 9827397 T29/G02 F 101,600.00 ZZ 360 101,600.00 1 6.3750 633.86 80 6.1250 633.86 GLENDALE AZ 85301 1 02/16/05 00 0438996498 05 04/01/05 0.0000 0001610806 N 03/01/35 0 9827413 H81/G02 F 230,400.00 ZZ 360 230,400.00 1 6.2500 1418.61 80 6.0000 1418.61 BROOKFIELD WI 53045 5 02/18/05 00 0438995730 05 04/01/05 0.0000 40050232 O 03/01/35 0 9827505 H49/G02 F 114,800.00 ZZ 360 114,800.00 2 7.1250 773.43 90 6.8750 773.43 ST JOSEPH MO 64505 1 02/21/05 01 0438998072 05 04/01/05 25.0000 637091 N 03/01/35 0 9827515 S27/G02 F 159,200.00 ZZ 360 159,200.00 1 6.1250 967.32 80 5.8750 967.32 ORMOND BEACH FL 32174 1 02/23/05 00 0438995094 05 04/01/05 0.0000 1010040267 O 03/01/35 0 9827541 P09/G02 F 320,800.00 ZZ 360 320,800.00 1 6.2500 1975.22 80 6.0000 1975.22 BELTSVILLE MD 20705 5 02/22/05 00 0438998056 05 04/01/05 0.0000 050207000 O 03/01/35 0 9827645 E22/G02 F 520,000.00 ZZ 360 520,000.00 1 6.0000 3117.66 80 5.7500 3117.66 BREA CA 92821 2 02/14/05 00 0422831677 03 04/01/05 0.0000 0422831677 O 03/01/35 0 9827659 E22/G02 F 33,915.00 ZZ 360 33,915.00 1 6.6250 217.16 85 6.3750 217.16 HARTFORD CT 06120 1 03/01/05 01 0422921619 01 04/01/05 12.0000 0422921619 O 03/01/35 0 9827693 E22/G02 F 83,700.00 ZZ 360 83,700.00 3 7.5000 585.24 90 7.2500 585.24 SOUTH BEND IN 46617 2 03/01/05 01 0423092030 05 04/01/05 25.0000 0423092030 N 03/01/35 0 9827701 E22/G02 F 125,100.00 ZZ 360 125,100.00 1 6.1250 760.12 73 5.8750 760.12 FITCHBURG MA 01420 5 02/24/05 00 0423109362 05 04/01/05 0.0000 0423109362 O 03/01/35 0 9827775 E22/G02 F 149,312.00 ZZ 360 149,312.00 1 6.0000 895.20 80 5.7500 895.20 PHOENIX AZ 85041 1 02/18/05 00 0423275767 03 04/01/05 0.0000 0423275767 O 03/01/35 0 9827779 E22/G02 F 112,000.00 ZZ 360 112,000.00 1 6.3750 698.73 80 6.1250 698.73 WINDHAM ME 04062 5 02/22/05 00 0423279124 01 04/01/05 0.0000 0423279124 O 03/01/35 0 9827821 E22/G02 F 140,000.00 ZZ 360 140,000.00 1 6.3750 873.42 80 6.1250 873.42 DENVER CO 80239 1 02/25/05 00 0423317510 05 04/01/05 0.0000 0423317510 O 03/01/35 0 9827829 E22/G02 F 135,900.00 ZZ 360 135,900.00 1 6.0000 814.79 80 5.7500 814.79 VANCOUVER WA 98662 1 02/23/05 00 0423321272 05 04/01/05 0.0000 0423321272 N 03/01/35 0 9827885 E22/G02 F 367,500.00 ZZ 360 367,500.00 1 6.1250 2232.97 75 5.8750 2232.97 FOUNTAIN HILLSAZ 85268 1 02/17/05 00 0423373984 03 04/01/05 0.0000 0423373984 N 03/01/35 0 9827889 E22/G02 F 136,000.00 ZZ 360 136,000.00 2 6.3750 848.46 80 6.1250 848.46 GRANTS PASS OR 97527 1 02/25/05 00 0423381474 05 04/01/05 0.0000 0423381474 N 03/01/35 0 9827895 E22/G02 F 155,200.00 ZZ 360 155,200.00 1 6.5000 980.97 80 6.2500 980.97 ANGIER NC 27501 5 02/23/05 00 0423390905 05 04/01/05 0.0000 0423390905 O 03/01/35 0 9827921 E22/G02 F 90,000.00 ZZ 360 90,000.00 1 6.1250 546.85 75 5.8750 546.85 PUEBLO WEST CO 81007 1 02/28/05 00 0423432335 05 04/01/05 0.0000 0423432335 N 03/01/35 0 9827931 E22/G02 F 136,000.00 ZZ 360 136,000.00 2 6.3750 848.46 80 6.1250 848.46 GRANTS PASS OR 97527 1 02/25/05 00 0423439272 05 04/01/05 0.0000 0423439272 N 03/01/35 0 9827933 E22/G02 F 85,500.00 ZZ 360 85,500.00 3 7.5000 597.83 90 7.2500 597.83 SOUTH BEND IN 46616 2 03/01/05 01 0423439900 05 04/01/05 25.0000 0423439900 N 03/01/35 0 9828215 E47/G02 F 202,000.00 ZZ 360 202,000.00 1 6.0000 1211.09 78 5.7500 1211.09 FLORESVILLE TX 78114 2 02/22/05 00 0438997165 05 04/01/05 0.0000 7362512947 O 03/01/35 0 9828231 G52/G02 F 101,250.00 ZZ 360 101,158.47 1 6.5000 639.97 75 6.2500 639.97 TUCSON AZ 85730 1 01/19/05 00 0439000837 05 03/01/05 0.0000 1610003528 N 02/01/35 0 9828461 N74/G02 F 41,250.00 ZZ 360 41,212.71 1 6.5000 260.73 75 6.2500 260.73 DENTON NC 27239 1 02/24/05 00 0438997397 05 03/24/05 0.0000 2200003068 N 02/24/35 0 9828469 N74/G02 F 52,000.00 ZZ 360 51,952.99 1 6.5000 328.68 80 6.2500 328.68 DENTON NC 27239 1 02/24/05 00 0438997330 05 03/24/05 0.0000 2200003067 N 02/24/35 0 9828529 E22/G02 F 133,080.00 ZZ 360 133,080.00 1 6.2500 819.40 80 6.0000 819.40 VANCOUVER WA 98682 1 02/24/05 00 0423427947 05 04/01/05 0.0000 0423427947 N 03/01/35 0 9828551 E22/G02 F 185,000.00 ZZ 360 185,000.00 4 6.8750 1215.32 64 6.6250 1215.32 MAYWOOD IL 60153 5 03/02/05 00 0423458140 05 04/01/05 0.0000 0423458140 N 03/01/35 0 9828611 E22/G02 F 195,000.00 ZZ 360 195,000.00 1 6.2500 1200.65 74 6.0000 1200.65 NORTH BRANCH MN 55056 5 02/25/05 00 0423011410 05 04/01/05 0.0000 0423011410 O 03/01/35 0 9828655 E22/G02 F 97,200.00 ZZ 360 97,200.00 1 6.7500 546.75 90 6.5000 546.75 METAIRIE LA 70003 2 03/02/05 04 0423195940 05 04/01/05 25.0000 0423195940 N 03/01/35 0 9828703 E22/G02 F 63,000.00 ZZ 360 63,000.00 4 6.6250 403.40 90 6.3750 403.40 BATON ROUGE LA 70810 1 03/02/05 10 0423271535 05 04/01/05 25.0000 0423271535 N 03/01/35 0 9828707 E22/G02 F 144,000.00 ZZ 360 144,000.00 1 6.0000 863.35 80 5.7500 863.35 BREMEN GA 30110 5 02/25/05 00 0423279355 05 04/01/05 0.0000 0423279355 O 03/01/35 0 9828723 E22/G02 F 90,000.00 ZZ 360 90,000.00 1 7.2500 543.75 75 7.0000 543.75 PALM BAY FL 32907 5 03/02/05 00 0423287606 05 04/01/05 0.0000 0423287606 N 03/01/35 0 9828727 E22/G02 F 279,900.00 ZZ 360 279,900.00 1 6.2500 1723.39 80 6.0000 1723.39 BOOTHBAY HARBOME 04538 5 02/25/05 00 0423287986 05 04/01/05 0.0000 0423287986 O 03/01/35 0 9828757 E22/G02 F 139,500.00 ZZ 360 139,500.00 1 6.0000 697.50 90 5.7500 697.50 VANCOUVER WA 98682 5 02/24/05 01 0423314921 05 04/01/05 25.0000 0423314921 O 03/01/35 0 9828759 E22/G02 F 151,250.00 ZZ 360 151,250.00 1 6.5000 956.00 44 6.2500 956.00 LA PLATA MD 20646 5 02/25/05 00 0423316561 05 04/01/05 0.0000 0423316561 O 03/01/35 0 9828797 E22/G02 F 151,272.00 ZZ 360 151,272.00 1 6.0000 906.95 80 5.7500 906.95 PHOENIX AZ 85041 1 02/18/05 00 0423357524 03 04/01/05 0.0000 0423357524 O 03/01/35 0 9828839 E22/G02 F 67,500.00 ZZ 360 67,500.00 2 6.7500 437.80 77 6.5000 437.80 MANHATTAN KS 66502 5 03/02/05 00 0423401751 05 04/01/05 0.0000 0423401751 N 03/01/35 0 9828859 E22/G02 F 197,200.00 ZZ 360 197,200.00 1 6.0000 1182.31 76 5.7500 1182.31 MORIARTY NM 87035 2 02/25/05 00 0423090927 05 04/01/05 0.0000 0423090927 O 03/01/35 0 9828867 E22/G02 F 120,000.00 ZZ 360 120,000.00 1 6.1250 729.13 35 5.8750 729.13 CARUTHERS CA 93609 5 02/24/05 00 0423129196 05 04/01/05 0.0000 0423129196 O 03/01/35 0 9828875 E22/G02 F 144,000.00 ZZ 360 144,000.00 1 6.1250 874.96 80 5.8750 874.96 SPOKANE WA 99223 1 02/19/05 00 0423139401 05 04/01/05 0.0000 0423139401 O 03/01/35 0 9829269 E82/G02 F 228,400.00 ZZ 360 228,400.00 1 6.1250 1387.78 80 5.8750 1387.78 CANON CITY CO 81212 5 02/21/05 00 0401067764 05 04/01/05 0.0000 0401067764 O 03/01/35 0 9829391 T29/G02 F 106,000.00 ZZ 360 106,000.00 1 6.5000 670.00 74 6.2500 670.00 EL MIRAGE AZ 85335 2 02/17/05 00 0438997454 03 04/01/05 0.0000 0001610987 N 03/01/35 0 9829489 U85/G02 F 225,000.00 ZZ 360 225,000.00 1 6.3750 1403.71 46 6.1250 1403.71 OAK PARK IL 60304 5 02/28/05 00 0438997512 05 04/01/05 0.0000 TQS77 O 03/01/35 0 9829533 A46/G02 F 112,500.00 ZZ 360 112,500.00 2 6.3750 701.86 75 6.1250 701.86 AUSTIN TX 78729 1 02/23/05 00 0438999021 05 04/01/05 0.0000 0720005 N 03/01/35 0 9829541 A46/G02 F 105,000.00 ZZ 360 105,000.00 2 6.3750 655.07 75 6.1250 655.07 AUSTIN TX 78729 1 02/23/05 00 0438998494 05 04/01/05 0.0000 0720003 N 03/01/35 0 9829547 U85/G02 F 60,640.00 ZZ 360 60,640.00 2 6.5000 383.29 80 6.2500 383.29 APPLETON WI 54914 1 03/01/05 00 0438997421 05 04/01/05 0.0000 0502280010 N 03/01/35 0 9829581 P01/G02 F 51,000.00 ZZ 360 50,959.21 3 7.1250 343.60 57 6.8750 343.60 ALBANY NY 12208 1 01/20/05 00 0439002320 07 03/01/05 0.0000 05000002 N 02/01/35 0 9829589 A46/G02 F 105,000.00 ZZ 360 105,000.00 2 6.3750 655.07 75 6.1250 655.07 AUSTIN TX 78729 1 02/23/05 00 0438998700 05 04/01/05 0.0000 0720006 N 03/01/35 0 9829607 A52/G02 F 200,000.00 ZZ 360 200,000.00 1 6.1250 1215.22 53 5.8750 1215.22 TAMPA FL 33613 1 02/25/05 00 0438997371 05 04/01/05 0.0000 32601 O 03/01/35 0 9830019 E22/G02 F 66,500.00 ZZ 360 66,500.00 3 6.5000 420.33 75 6.2500 420.33 MILWAUKEE WI 53204 1 03/03/05 00 0423228113 05 04/01/05 0.0000 0423228113 N 03/01/35 0 9830027 E22/G02 F 238,500.00 ZZ 360 238,500.00 4 6.1250 1449.15 90 5.8750 1449.15 ROSEBURG OR 97470 1 02/25/05 04 0423241546 05 04/01/05 25.0000 0423241546 N 03/01/35 0 9830039 E22/G02 F 220,400.00 ZZ 360 220,400.00 1 6.3750 1375.01 80 6.1250 1375.01 LACEY WA 98503 1 02/28/05 00 0423265735 05 04/01/05 0.0000 0423265735 O 03/01/35 0 9830071 E22/G02 F 60,000.00 ZZ 360 60,000.00 1 6.8750 394.16 75 6.6250 394.16 JACKSON TN 38305 5 03/03/05 00 0423327741 05 04/01/05 0.0000 0423327741 N 03/01/35 0 9830121 E22/G02 F 92,000.00 ZZ 360 92,000.00 1 6.2500 566.46 79 6.0000 566.46 CHICAGO IL 60609 1 03/03/05 00 0423418326 05 04/01/05 0.0000 0423418326 N 03/01/35 0 9830135 E22/G02 F 42,375.00 ZZ 360 42,375.00 1 6.8750 278.37 75 6.6250 278.37 JACKSON MS 39212 1 03/02/05 00 0423454966 05 04/01/05 0.0000 0423454966 N 03/01/35 0 9830147 E22/G02 F 357,100.00 ZZ 360 357,100.00 1 6.6250 2286.55 95 6.3750 2286.55 BRENTWOOD NY 11717 1 03/03/05 10 0423476514 05 04/01/05 30.0000 0423476514 O 03/01/35 0 9830165 E22/G02 F 127,425.00 ZZ 360 127,425.00 4 6.5000 690.22 75 6.2500 690.22 GRETNA LA 70053 1 03/03/05 00 0423505528 05 04/01/05 0.0000 0423505528 N 03/01/35 0 9830171 E22/G02 F 160,800.00 ZZ 360 160,800.00 1 6.0000 964.08 80 5.7500 964.08 HURRICANE UT 84737 1 03/02/05 00 0423519453 05 04/01/05 0.0000 0423519453 O 03/01/35 0 9831747 U05/G02 F 180,000.00 ZZ 360 180,000.00 3 6.5000 1137.72 90 6.2500 1137.72 MIDDLETOWN CT 06457 1 02/28/05 10 0439005398 05 04/01/05 25.0000 3000716971 N 03/01/35 0 9832235 E22/G02 F 292,500.00 ZZ 360 292,500.00 1 6.1250 1777.26 90 5.8750 1777.26 WARRENTON VA 20186 1 03/04/05 10 0423033174 05 04/01/05 30.0000 0423033174 O 03/01/35 0 9832371 E22/G02 F 90,900.00 ZZ 360 90,900.00 1 6.5000 574.55 90 6.2500 574.55 MARTINSBURG WV 25401 1 03/04/05 10 0423276757 05 04/01/05 25.0000 0423276757 N 03/01/35 0 9832401 E22/G02 F 184,000.00 TX 360 184,000.00 1 6.6250 1178.17 80 6.3750 1178.17 SAN ANTONIO TX 78216 5 02/28/05 00 0423318302 03 04/01/05 0.0000 0423318302 O 03/01/35 0 9832429 E22/G02 F 136,000.00 ZZ 360 136,000.00 1 6.1250 826.35 80 5.8750 826.35 CAPE CORAL FL 33990 1 03/04/05 00 0423340371 05 04/01/05 0.0000 0423340371 N 03/01/35 0 9833371 E22/G02 F 152,000.00 ZZ 360 152,000.00 2 6.6250 973.27 80 6.3750 973.27 LAKE WORTH FL 33460 1 03/07/05 00 0423526177 05 04/01/05 0.0000 0423526177 N 03/01/35 0 9833475 E22/G02 F 86,400.00 ZZ 360 86,400.00 2 6.2500 450.00 80 6.0000 450.00 HAMPTON GA 30228 1 03/07/05 00 0423428812 05 04/01/05 0.0000 0423428812 N 03/01/35 0 9833831 E22/G02 F 96,345.00 ZZ 360 96,345.00 1 6.0000 577.64 74 5.7500 577.64 SHEPHERDSVILLEKY 40165 1 03/07/05 00 0423067107 05 04/01/05 0.0000 0423067107 N 03/01/35 0 Total Number of Loans 1,440 Total Original Balance 254,777,975.00 Total Principal Balance 254,473,801.67 Total Original P+I 1,572,318.05 Total Current P+I 1,572,296.63 Fixed Rate Passthru Loan Number Sub Serv Fee Principal Bal Mstr Serv Fee Curr Note Rate Alloc Exp Net Curr Misc Exp Investor Rate Spread Post Strip Rate Strip 8630001 0.2500 260834.94 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9585423 0.2500 157866.23 0.0800 7.2500 0.0000 7.0000 0.0000 6.9200 5.5000 1.4200 9592130 0.2500 159195.59 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9604735 0.2500 88492.82 0.0800 7.1250 0.0000 6.8750 0.0000 6.7950 5.5000 1.2950 9613832 0.2500 303462.08 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9614452 0.2500 427145.71 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9614498 0.2500 95834.22 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.5000 0.9200 9628920 0.2500 200604.83 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9628928 0.2500 63710.50 0.0800 7.5000 0.0000 7.2500 0.0000 7.1700 5.5000 1.6700 9628930 0.2500 106328.79 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9628934 0.2500 49347.58 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.5000 1.0450 9628936 0.2500 63833.74 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.5000 0.9200 9628938 0.2500 47875.31 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.5000 0.9200 9628944 0.2500 84563.09 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9628948 0.2500 128754.55 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9628950 0.2500 73199.72 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9628954 0.2500 161536.44 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9628958 0.2500 132534.92 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9628960 0.2500 118566.16 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9628962 0.2500 107902.36 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9628964 0.2500 74754.01 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9628968 0.2500 83693.77 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9628970 0.2500 83693.77 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9628972 0.2500 83693.77 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9628976 0.2500 238046.22 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9628986 0.2500 139716.18 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9628988 0.2500 59885.82 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9628992 0.2500 169489.73 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9628998 0.2500 29972.21 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9629002 0.2500 150832.46 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9629004 0.2500 127750.53 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9629008 0.2500 174650.69 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9629012 0.2500 188811.84 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9629022 0.2500 139720.54 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9629024 0.2500 171433.22 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9629026 0.2500 99905.11 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9629032 0.2500 190119.75 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9629034 0.2500 86557.54 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9629038 0.2500 31971.77 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9629042 0.2500 146558.78 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9629046 0.2500 64879.26 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9629048 0.2500 82158.47 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9629050 0.2500 339050.25 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9629052 0.2500 91816.36 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9629054 0.2500 83781.79 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.5000 0.9200 9629056 0.2500 56602.08 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.5000 0.9200 9629062 0.2500 127756.46 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9629064 0.2500 156301.47 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9629078 0.2500 138618.35 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9629082 0.2500 161776.43 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9629090 0.2500 130967.84 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9629092 0.2500 149857.67 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9629094 0.2500 134594.78 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9629100 0.2500 112694.88 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9629108 0.2500 66966.88 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9629118 0.2500 62941.25 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9629120 0.2500 73531.83 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9629130 0.2500 422904.19 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9629134 0.2500 219591.38 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9629136 0.2500 129514.52 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9629144 0.2500 159851.80 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9629146 0.2500 220995.74 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9629148 0.2500 54146.77 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9629152 0.2500 97107.77 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9629154 0.2500 100854.21 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9629160 0.2500 204196.51 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9629162 0.2500 175673.09 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9629166 0.2500 50401.57 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9629170 0.2500 142264.88 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9629172 0.2500 164835.74 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9629178 0.2500 89436.24 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9629180 0.2500 66141.48 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9629184 0.2500 250756.04 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9629192 0.2500 143567.77 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9629194 0.2500 118223.77 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9629198 0.2500 59832.38 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9629202 0.2500 141980.51 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9629204 0.2500 139836.70 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9629208 0.2500 83916.37 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9629220 0.2500 160882.25 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9629222 0.2500 191433.09 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9629230 0.2500 63035.66 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.5000 0.9200 9629238 0.2500 119888.85 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9629242 0.2500 116002.51 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9629244 0.2500 108523.68 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9629248 0.2500 139447.09 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9629252 0.2500 117147.31 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9629254 0.2500 101195.33 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9629256 0.2500 80779.11 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9629260 0.2500 265747.60 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9631620 0.2500 465536.09 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9631632 0.2500 424191.38 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9631648 0.2500 178330.63 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9631650 0.2500 494011.98 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9631674 0.2500 315685.42 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9631682 0.2500 272734.66 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9631688 0.2500 169668.69 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9631704 0.2500 282960.60 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9631730 0.2500 74928.83 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9631780 0.2500 322878.25 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9632154 0.2500 100955.12 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.5000 1.0450 9633724 0.2500 159045.26 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9633726 0.2500 41465.13 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.5000 1.0450 9633728 0.2500 57394.15 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9633730 0.2500 285066.14 0.0800 7.0000 0.0000 6.7500 0.0000 6.6700 5.5000 1.1700 9633734 0.2500 251088.87 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.5000 1.0450 9633736 0.2500 48765.56 0.0800 7.7500 0.0000 7.5000 0.0000 7.4200 5.5000 1.9200 9633738 0.2500 167851.77 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9633742 0.2500 223797.49 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9633746 0.2500 187834.13 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9633748 0.2500 298723.06 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9633750 0.2500 149228.61 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9633754 0.2500 97197.18 0.0800 7.7500 0.0000 7.5000 0.0000 7.4200 5.5000 1.9200 9633760 0.2500 106299.04 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9633762 0.2500 142371.17 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9633764 0.2500 116263.65 0.0800 7.5000 0.0000 7.2500 0.0000 7.1700 5.5000 1.6700 9633766 0.2500 112398.29 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9633770 0.2500 174852.97 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.5000 1.0450 9633772 0.2500 180336.82 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9633774 0.2500 148368.97 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9633776 0.2500 68744.98 0.0800 7.1250 0.0000 6.8750 0.0000 6.7950 5.5000 1.2950 9633778 0.2500 112698.02 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9633780 0.2500 206834.46 0.0800 7.1250 0.0000 6.8750 0.0000 6.7950 5.5000 1.2950 9633782 0.2500 161870.45 0.0800 7.1250 0.0000 6.8750 0.0000 6.7950 5.5000 1.2950 9633784 0.2500 57423.21 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9633786 0.2500 112422.57 0.0800 7.8750 0.0000 7.6250 0.0000 7.5450 5.5000 2.0450 9633788 0.2500 135874.03 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9633792 0.2500 115889.93 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9633796 0.2500 397231.74 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9633798 0.2500 99960.36 0.0800 7.0000 0.0000 6.7500 0.0000 6.6700 5.5000 1.1700 9633800 0.2500 89852.01 0.0800 7.0000 0.0000 6.7500 0.0000 6.6700 5.5000 1.1700 9633802 0.2500 67389.02 0.0800 7.0000 0.0000 6.7500 0.0000 6.6700 5.5000 1.1700 9633804 0.2500 179852.45 0.0800 7.0000 0.0000 6.7500 0.0000 6.6700 5.5000 1.1700 9633806 0.2500 263755.48 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9633808 0.2500 79939.12 0.0800 7.3750 0.0000 7.1250 0.0000 7.0450 5.5000 1.5450 9633810 0.2500 58456.58 0.0800 7.5000 0.0000 7.2500 0.0000 7.1700 5.5000 1.6700 9633812 0.2500 454367.95 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.5000 1.0450 9633818 0.2500 224781.31 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9633822 0.2500 71946.56 0.0800 7.5000 0.0000 7.2500 0.0000 7.1700 5.5000 1.6700 9633824 0.2500 118789.42 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9633828 0.2500 227783.66 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9633830 0.2500 54842.74 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.5000 0.9200 9633838 0.2500 151859.21 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9633842 0.2500 149089.27 0.0800 7.5000 0.0000 7.2500 0.0000 7.1700 5.5000 1.6700 9633844 0.2500 149864.39 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9633846 0.2500 66346.90 0.0800 7.1250 0.0000 6.8750 0.0000 6.7950 5.5000 1.2950 9633848 0.2500 102302.83 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9633852 0.2500 135080.71 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9633854 0.2500 308506.99 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9633856 0.2500 267751.77 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9633858 0.2500 258571.66 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9633862 0.2500 97413.97 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9633864 0.2500 80933.60 0.0800 7.0000 0.0000 6.7500 0.0000 6.6700 5.5000 1.1700 9633866 0.2500 199843.97 0.0800 7.2500 0.0000 7.0000 0.0000 6.9200 5.5000 1.4200 9633868 0.2500 214898.21 0.0800 7.7500 0.0000 7.5000 0.0000 7.4200 5.5000 1.9200 9633870 0.2500 399717.68 0.0800 7.7500 0.0000 7.5000 0.0000 7.4200 5.5000 1.9200 9633878 0.2500 70146.58 0.0800 7.3750 0.0000 7.1250 0.0000 7.0450 5.5000 1.5450 9633992 0.2500 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0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.5000 0.9200 9818289 0.2500 87920.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9818295 0.2500 94250.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9818301 0.2500 52700.00 0.0800 7.1250 0.0000 6.8750 0.0000 6.7950 5.5000 1.2950 9818327 0.2500 108000.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9818347 0.2500 216000.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9818353 0.2500 87750.00 0.0800 7.8750 0.0000 7.6250 0.0000 7.5450 5.5000 2.0450 9818361 0.2500 150337.00 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.5000 1.0450 9818365 0.2500 183000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9818377 0.2500 77760.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9818379 0.2500 208000.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9818397 0.2500 359650.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9818445 0.2500 63750.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9818449 0.2500 96750.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9818683 0.2500 203500.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9818685 0.2500 187600.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9818951 0.2500 167832.75 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9818965 0.2500 124139.22 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9818973 0.2500 155352.45 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9818995 0.2500 359249.66 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9819043 0.2500 149850.67 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9819047 0.2500 176623.99 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9819121 0.2500 142261.59 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9819157 0.2500 288000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9819253 0.2500 271200.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9819407 0.2500 123000.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9819419 0.2500 124000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9819459 0.2500 76000.00 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.5000 1.0450 9819467 0.2500 260000.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9819475 0.2500 148665.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9819501 0.2500 150000.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9819521 0.2500 232000.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9819527 0.2500 152000.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9819571 0.2500 64400.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9819577 0.2500 200000.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9819633 0.2500 288000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9819635 0.2500 186000.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9819637 0.2500 200000.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9819645 0.2500 208000.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9819651 0.2500 142400.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9819683 0.2500 620000.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9819695 0.2500 152000.00 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.5000 0.9200 9819697 0.2500 276000.00 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.5000 0.9200 9819703 0.2500 64000.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9819773 0.2500 150000.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9819779 0.2500 200000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9819799 0.2500 183920.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9819811 0.2500 137640.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9820033 0.2500 208800.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9820053 0.2500 94000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9820063 0.2500 86500.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9820187 0.2500 171000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9820193 0.2500 98000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9820197 0.2500 105000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9820529 0.2500 238400.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9820549 0.2500 179350.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9820613 0.2500 217600.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9820625 0.2500 96800.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9820633 0.2500 102937.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9820635 0.2500 322000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9820641 0.2500 84000.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9820657 0.2500 103200.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9820691 0.2500 95920.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9820693 0.2500 108000.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9820713 0.2500 117000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9820761 0.2500 116800.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9820777 0.2500 200000.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9820781 0.2500 85600.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9820839 0.2500 72000.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9820869 0.2500 428800.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9821185 0.2500 155000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9821417 0.2500 72000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9821423 0.2500 79000.00 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.5000 0.9200 9821497 0.2500 134562.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9822581 0.2500 200000.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9822633 0.2500 85875.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9822661 0.2500 236250.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9822669 0.2500 210000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9822731 0.2500 62000.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9822791 0.2500 158000.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9822845 0.2500 125000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9822849 0.2500 79500.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9822851 0.2500 183000.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9822927 0.2500 171900.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9822943 0.2500 169000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9822983 0.2500 85600.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9823009 0.2500 172000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9823017 0.2500 126900.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9823023 0.2500 62910.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9823045 0.2500 217200.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9823067 0.2500 150100.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9823069 0.2500 114400.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9823323 0.2500 422700.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9823337 0.2500 200000.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9824301 0.2500 209600.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9824397 0.2500 119925.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9824411 0.2500 148600.00 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.5000 1.0450 9824509 0.2500 269640.00 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.5000 1.0450 9824545 0.2500 132000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9824573 0.2500 108000.00 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.5000 1.0450 9824581 0.2500 106400.00 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.5000 1.0450 9824619 0.2500 241600.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9824633 0.2500 120000.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9824639 0.2500 80100.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9824667 0.2500 156000.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9824681 0.2500 288000.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9824693 0.2500 180000.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9824697 0.2500 195200.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9824699 0.2500 164000.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9824749 0.2500 153600.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9824787 0.2500 128000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9824789 0.2500 440000.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9825385 0.2500 188000.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9826141 0.2500 125000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9826175 0.2500 234000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9826213 0.2500 240000.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9826237 0.2500 182750.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9826273 0.2500 165000.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9826279 0.2500 464000.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9826341 0.2500 177600.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9826353 0.2500 440000.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9826363 0.2500 62250.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9826403 0.2500 84000.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9826405 0.2500 145875.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9826407 0.2500 59500.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9826447 0.2500 80000.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9826461 0.2500 260000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9826513 0.2500 216900.00 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.5000 1.0450 9826555 0.2500 88500.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9826577 0.2500 80625.00 0.0800 7.1250 0.0000 6.8750 0.0000 6.7950 5.5000 1.2950 9826601 0.2500 50000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9826603 0.2500 60000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9826605 0.2500 56800.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9826609 0.2500 92800.00 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.5000 0.9200 9826635 0.2500 108000.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9826745 0.2500 56000.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9826769 0.2500 64500.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9826807 0.2500 180000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9826813 0.2500 76500.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9826835 0.2500 124000.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9826863 0.2500 488000.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9826865 0.2500 358400.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9826929 0.2500 224800.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9826951 0.2500 71100.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9827397 0.2500 101600.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9827413 0.2500 230400.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9827505 0.2500 114800.00 0.0800 7.1250 0.0000 6.8750 0.0000 6.7950 5.5000 1.2950 9827515 0.2500 159200.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9827541 0.2500 320800.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9827645 0.2500 520000.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9827659 0.2500 33915.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9827693 0.2500 83700.00 0.0800 7.5000 0.0000 7.2500 0.0000 7.1700 5.5000 1.6700 9827701 0.2500 125100.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9827775 0.2500 149312.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9827779 0.2500 112000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9827821 0.2500 140000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9827829 0.2500 135900.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9827885 0.2500 367500.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9827889 0.2500 136000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9827895 0.2500 155200.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9827921 0.2500 90000.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9827931 0.2500 136000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9827933 0.2500 85500.00 0.0800 7.5000 0.0000 7.2500 0.0000 7.1700 5.5000 1.6700 9828215 0.2500 202000.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9828231 0.2500 101158.47 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9828461 0.2500 41212.71 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9828469 0.2500 51952.99 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9828529 0.2500 133080.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9828551 0.2500 185000.00 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.5000 1.0450 9828611 0.2500 195000.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9828655 0.2500 97200.00 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.5000 0.9200 9828703 0.2500 63000.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9828707 0.2500 144000.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9828723 0.2500 90000.00 0.0800 7.2500 0.0000 7.0000 0.0000 6.9200 5.5000 1.4200 9828727 0.2500 279900.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9828757 0.2500 139500.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9828759 0.2500 151250.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9828797 0.2500 151272.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9828839 0.2500 67500.00 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.5000 0.9200 9828859 0.2500 197200.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9828867 0.2500 120000.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9828875 0.2500 144000.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9829269 0.2500 228400.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9829391 0.2500 106000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9829489 0.2500 225000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9829533 0.2500 112500.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9829541 0.2500 105000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9829547 0.2500 60640.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9829581 0.2500 50959.21 0.0800 7.1250 0.0000 6.8750 0.0000 6.7950 5.5000 1.2950 9829589 0.2500 105000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9829607 0.2500 200000.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9830019 0.2500 66500.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9830027 0.2500 238500.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9830039 0.2500 220400.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.5000 0.5450 9830071 0.2500 60000.00 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.5000 1.0450 9830121 0.2500 92000.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9830135 0.2500 42375.00 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.5000 1.0450 9830147 0.2500 357100.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9830165 0.2500 127425.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9830171 0.2500 160800.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 9831747 0.2500 180000.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9832235 0.2500 292500.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9832371 0.2500 90900.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.5000 0.6700 9832401 0.2500 184000.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9832429 0.2500 136000.00 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.5000 0.2950 9833371 0.2500 152000.00 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.5000 0.7950 9833475 0.2500 86400.00 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.5000 0.4200 9833831 0.2500 96345.00 0.0800 6.0000 0.0000 5.7500 0.0000 5.6700 5.5000 0.1700 Total Number of Loans: 1,440 Total Original Balance: 254,777,975.00 Total Principal Balance: 254,473,801.67 Total Original P+I: 1,572,318.05 Total Current P+I: 1,572,296.63 EXHIBIT TWO-I SCHEDULE OF DISCOUNT FRACTIONS FOR SUB-GROUP I-1- LOANS Schedule of Discount Fractions Loan Number Current Balance Net Mortgage Rate Discount Fraction PO Balance 9097137 $208,600.94 4.970% .6000% $1,251.61 9539879 $82,937.40 4.595% 8.1000% $6,717.93 9539919 $99,544.38 4.970% .6000% $597.27 9565149 $96,660.46 4.970% .6000% $579.96 9578476 $334,596.14 5.220% 5.0909% $17,033.99 9628922 $167,613.74 4.970% 9.6364% $16,151.87 9628924 $137,183.85 4.970% 9.6364% $13,219.53 9628980 $99,677.77 5.345% 2.8182% $2,809.10 9628982 $99,677.77 5.345% 2.8182% $2,809.10 9628984 $99,677.77 5.345% 2.8182% $2,809.10 9628994 $185,610.67 5.470% .5455% $1,012.42 9629000 $254,629.90 5.470% .5455% $1,388.89 9629014 $109,653.78 5.470% .5455% $598.11 9629018 $154,974.94 5.470% .5455% $845.32 9629076 $127,866.35 5.470% .5455% $697.45 9629114 $130,975.28 5.470% .5455% $714.41 9629122 $149,977.87 5.345% 2.8182% $4,226.65 9629126 $84,822.08 5.470% .5455% $462.67 9629128 $259,455.78 5.470% .5455% $1,415.21 9629150 $104,592.18 5.470% .5455% $570.50 9629156 $231,737.50 5.345% 2.8182% $6,530.78 9629164 $138,601.66 5.345% 2.8182% $3,906.05 9629174 $127,732.07 5.470% .5455% $696.72 9629190 $74,684.52 5.470% .5455% $407.37 9629196 $107,667.32 5.220% 5.0909% $5,481.25 9629218 $242,949.23 5.345% 2.8182% $6,846.75 9629232 $105,378.95 5.470% .5455% $574.79 9631302 $172,819.38 5.470% .5455% $942.65 9631304 $219,747.65 4.970% 9.6364% $21,175.68 9631306 $169,818.26 5.345% 2.8182% $4,785.79 9631308 $99,785.68 5.345% 2.8182% $2,812.14 9631312 $228,919.83 5.470% .5455% $1,248.65 9631314 $99,785.68 5.345% 2.8182% $2,812.14 9631316 $229,354.54 5.345% 2.8182% $6,463.63 9631318 $186,804.76 5.470% .5455% $1,018.94 9631320 $207,777.63 5.345% 2.8182% $5,855.55 9631624 $403,011.33 5.470% .5455% $2,198.24 9631628 $268,237.38 5.470% .5455% $1,463.11 9631634 $395,171.12 5.470% .5455% $2,155.48 9631636 $503,917.73 5.345% 2.8182% $14,201.32 9631638 $339,281.55 5.470% .5455% $1,850.63 9631640 $495,959.71 5.470% .5455% $2,705.23 9631644 $359,265.51 5.345% 2.8182% $10,124.76 9631646 $414,545.76 5.220% 5.0909% $21,104.15 9631660 $321,309.92 5.345% 2.8182% $9,055.10 9631662 $349,267.40 5.470% .5455% $1,905.09 9631666 $178,616.38 5.345% 2.8182% $5,033.73 9631670 $332,984.83 5.345% 2.8182% $9,384.12 9631672 $598,744.12 5.470% .5455% $3,265.88 9631678 $407,126.89 5.470% .5455% $2,220.69 9631684 $131,784.75 5.470% .5455% $718.83 9631690 $209,549.94 5.345% 2.8182% $5,905.50 9631692 $334,913.55 5.220% 5.0909% $17,050.14 9631694 $345,630.11 5.345% 2.8182% $9,740.48 9631696 $405,525.69 5.470% .5455% $2,211.96 9631700 $425,585.96 5.345% 2.8182% $11,993.79 9631702 $245,485.09 5.470% .5455% $1,339.01 9631708 $223,519.94 5.345% 2.8182% $6,299.20 9631714 $333,001.53 5.470% .5455% $1,816.37 9631718 $155,573.00 5.470% .5455% $848.58 9631722 $438,236.34 5.220% 5.0909% $22,310.21 9631724 $243,745.25 5.470% .5455% $1,329.52 9631728 $219,513.87 5.470% .5455% $1,197.35 9631738 $179,623.24 5.470% .5455% $979.76 9631746 $536,474.73 5.470% .5455% $2,926.23 9631752 $349,249.90 5.345% 2.8182% $9,842.50 9631758 $275,422.30 5.470% .5455% $1,502.30 9631760 $239,743.42 5.345% 2.8182% $6,756.41 9631762 $152,840.26 5.470% .5455% $833.67 9631772 $379,185.62 5.345% 2.8182% $10,686.14 9631774 $380,592.69 5.345% 2.8182% $10,725.79 9631784 $586,139.27 5.220% 5.0909% $29,839.82 9631788 $195,589.76 5.470% .5455% $1,066.85 9631790 $189,796.88 5.345% 2.8182% $5,348.82 9633744 $349,625.83 5.345% 2.8182% $9,853.09 9634054 $164,827.72 5.470% .5455% $899.06 9634176 $119,075.55 5.470% .5455% $649.50 9635312 $303,682.60 5.470% .5455% $1,656.45 9635316 $111,883.06 5.470% .5455% $610.27 9635340 $147,046.31 5.470% .5455% $802.07 9635344 $186,999.87 5.345% 2.8182% $5,270.00 9635346 $331,653.36 5.470% .5455% $1,809.02 9635360 $178,923.94 5.220% 5.0909% $9,108.86 9635366 $145,847.56 5.470% .5455% $795.53 9635376 $107,086.14 5.470% .5455% $584.11 9635384 $183,066.00 5.470% .5455% $998.54 9635386 $147,610.37 5.470% .5455% $805.15 9635396 $171,811.73 5.220% 5.0909% $8,746.78 9635414 $140,728.91 5.470% .5455% $767.61 9635434 $125,069.28 5.470% .5455% $682.20 9635462 $199,079.92 5.470% .5455% $1,085.89 9635544 $323,661.72 5.470% .5455% $1,765.43 9635546 $128,846.47 5.470% .5455% $702.80 9635568 $185,203.53 5.470% .5455% $1,010.20 9635576 $178,267.11 5.345% 2.8182% $5,023.89 9635578 $121,012.52 5.470% .5455% $660.07 9635626 $149,286.85 5.470% .5455% $814.29 9635644 $116,478.26 5.470% .5455% $635.34 9635670 $188,723.62 5.470% .5455% $1,029.40 9635684 $132,821.18 5.470% .5455% $724.48 9635688 $123,721.47 5.095% 7.3636% $9,110.40 9635762 $465,901.38 5.345% 2.8182% $13,129.95 9635934 $465,936.82 5.220% 5.0909% $23,720.42 9635936 $550,059.47 5.220% 5.0909% $28,003.03 9635948 $500,920.50 5.470% .5455% $2,732.29 9639144 $165,385.41 4.845% 3.1000% $5,126.95 9639146 $214,195.62 4.720% 5.6000% $11,994.95 9639150 $283,944.83 4.845% 3.1000% $8,802.29 9639154 $109,192.20 4.970% .6000% $655.15 9639156 $187,612.07 4.970% .6000% $1,125.67 9649986 $88,000.00 5.470% .5455% $480.00 9649988 $204,246.52 5.470% .5455% $1,114.07 9649992 $740,975.56 5.470% .5455% $4,041.68 9650058 $147,765.55 5.470% .5455% $805.99 9650102 $455,523.90 5.470% .5455% $2,484.68 9668883 $135,613.67 4.845% 3.1000% $4,204.02 9672164 $484,400.00 5.470% .5455% $2,642.18 9687259 $373,390.84 4.970% .6000% $2,240.35 9690207 $287,754.01 4.845% 3.1000% $8,920.37 9697447 $432,277.72 4.970% .6000% $2,593.67 9697459 $543,928.27 4.970% .6000% $3,263.57 9705445 $241,306.37 4.970% .6000% $1,447.84 9718197 $310,533.59 4.970% .6000% $1,863.20 9718277 $202,242.43 4.970% .6000% $1,213.45 9718299 $98,896.05 4.970% .6000% $593.38 9718303 $134,498.64 4.970% .6000% $806.99 9718335 $197,792.08 4.970% .6000% $1,186.75 9718363 $176,014.48 4.845% 3.1000% $5,456.45 9718365 $192,847.31 4.970% .6000% $1,157.08 9718367 $379,760.83 4.970% .6000% $2,278.57 9722355 $74,449.23 4.970% .6000% $446.70 9722675 $649,864.10 5.470% .5455% $3,544.71 9722873 $114,235.12 4.595% 8.1000% $9,253.04 9726505 $99,733.07 4.970% .6000% $598.40 9726561 $159,698.54 4.845% 3.1000% $4,950.65 9726709 $148,283.25 4.970% .6000% $889.70 9727569 $196,061.41 4.970% .6000% $1,176.37 9727597 $158,177.98 4.595% 8.1000% $12,812.42 9727603 $387,277.31 5.470% .5455% $2,112.42 9727635 $59,330.73 4.845% 3.1000% $1,839.25 9729261 $197,792.08 4.970% .6000% $1,186.75 9731811 $435,427.57 4.970% .6000% $2,612.57 9735423 $339,288.34 5.470% .5455% $1,850.66 9739183 $457,935.48 5.470% .5455% $2,497.83 9740015 $54,596.11 4.970% .6000% $327.58 9741591 $291,443.93 4.970% .6000% $1,748.66 9741649 $135,883.17 4.970% .6000% $815.30 9741991 $198,531.27 4.970% .6000% $1,191.19 9742435 $89,500.00 5.220% 5.0909% $4,556.36 9746051 $508,240.09 4.970% .6000% $3,049.44 9749141 $451,031.29 5.345% 2.8182% $12,710.88 9749175 $430,640.42 5.470% .5455% $2,348.95 9755723 $404,972.41 4.845% 3.1000% $12,554.14 9758829 $579,754.85 5.345% 2.8182% $16,338.55 9761177 $455,621.43 5.345% 2.8182% $12,840.24 9762361 $244,567.54 4.845% 3.1000% $7,581.59 9762741 $515,188.68 4.970% .6000% $3,091.13 9762773 $338,722.11 5.470% .5455% $1,847.58 9762819 $447,039.87 5.345% 2.8182% $12,598.40 9762825 $996,852.78 5.470% .5455% $5,437.38 9765125 $66,507.98 4.970% .6000% $399.05 9766773 $510,928.30 5.470% .5455% $2,786.88 9766779 $570,802.72 5.470% .5455% $3,113.47 9770375 $172,438.29 5.470% .5455% $940.57 9770423 $272,888.04 5.345% 2.8182% $7,690.48 9770467 $111,783.17 5.470% .5455% $609.73 9770493 $123,660.60 5.470% .5455% $674.51 9770505 $126,534.57 5.470% .5455% $690.19 9782043 $208,234.28 4.970% .6000% $1,249.41 9782915 $146,532.28 4.970% .6000% $879.19 9783617 $359,246.48 5.470% .5455% $1,959.53 9783655 $391,590.72 5.470% .5455% $2,135.95 9795837 $359,265.51 5.345% 2.8182% $10,124.76 9795859 $146,842.85 5.345% 2.8182% $4,138.30 9795897 $334,298.80 5.470% .5455% $1,823.45 9795925 $169,822.51 5.470% .5455% $926.30 9795927 $269,718.10 5.470% .5455% $1,471.19 9795979 $175,631.60 5.470% .5455% $957.99 9796073 $649,321.36 5.470% .5455% $3,541.75 9797837 $140,881.95 4.970% .6000% $845.29 9799067 $330,207.47 5.470% .5455% $1,801.13 9799223 $139,399.89 5.470% .5455% $760.36 9799289 $99,280.64 5.470% .5455% $541.53 9799513 $380,749.80 4.970% .6000% $2,284.50 9800439 $87,677.59 4.970% .6000% $526.07 9803027 $83,164.00 5.470% .5455% $453.62 9804631 $175,000.00 5.470% .5455% $954.55 9806193 $615,356.86 5.470% .5455% $3,356.49 9806223 $129,065.10 5.470% .5455% $703.99 9806247 $138,854.87 5.470% .5455% $757.39 9806259 $134,652.45 5.220% 5.0909% $6,855.03 9806325 $487,378.40 5.345% 2.8182% $13,735.21 9806485 $172,000.00 5.470% .5455% $938.18 9809127 $152,000.00 4.970% .6000% $912.00 9809137 $159,500.00 4.970% .6000% $957.00 9811985 $450,075.91 4.470% 10.6000% $47,708.05 9812805 $140,800.00 5.220% 5.0909% $7,168.00 9813317 $220,800.00 5.470% .5455% $1,204.36 9813355 $344,000.00 5.470% .5455% $1,876.36 9815049 $168,800.00 5.470% .5455% $920.73 9815865 $127,500.00 4.845% 3.1000% $3,952.50 9815873 $228,750.00 5.095% 7.3636% $16,844.32 9816005 $179,812.06 5.470% .5455% $980.79 9817589 $211,778.65 5.470% .5455% $1,155.16 9817615 $224,893.33 5.345% 2.8182% $6,337.90 9817681 $130,760.05 5.345% 2.8182% $3,685.06 9817711 $111,883.06 5.470% .5455% $610.27 9817761 $119,852.60 5.470% .5455% $653.74 9817789 $308,777.27 5.470% .5455% $1,684.24 9817797 $592,000.00 5.345% 2.8182% $16,683.64 9817853 $291,595.24 5.470% .5455% $1,590.52 9818927 $60,721.97 4.720% 5.6000% $3,400.43 9818963 $128,411.80 4.970% .6000% $770.47 9819007 $98,297.26 5.470% .5455% $536.17 9819281 $485,000.00 5.345% 2.8182% $13,668.18 9819725 $285,000.00 5.470% .5455% $1,554.55 9820169 $143,920.00 5.220% 5.0909% $7,326.84 9820305 $201,653.05 5.345% 2.8182% $5,682.95 9821021 $595,200.00 5.470% .5455% $3,246.55 9827845 $168,000.00 5.470% .5455% $916.36 9828843 $308,000.00 4.970% .6000% $1,848.00 EXHIBIT TWO-II SCHEDULE OF DISCOUNT FRACTIONS FOR GROUP II LOANS Schedule of Discount Fractions Loan Number Current Balance Net Mortgage Rate Discount Fraction PO Balance 9578476 $334,596.14 5.220% 5.0909% $17,033.99 9628922 $167,613.74 4.970% 9.6364% $16,151.87 9628924 $137,183.85 4.970% 9.6364% $13,219.53 9628980 $99,677.77 5.345% 2.8182% $2,809.10 9628982 $99,677.77 5.345% 2.8182% $2,809.10 9628984 $99,677.77 5.345% 2.8182% $2,809.10 9628994 $185,610.67 5.470% .5455% $1,012.42 9629000 $254,629.90 5.470% .5455% $1,388.89 9629014 $109,653.78 5.470% .5455% $598.11 9629018 $154,974.94 5.470% .5455% $845.32 9629076 $127,866.35 5.470% .5455% $697.45 9629114 $130,975.28 5.470% .5455% $714.41 9629122 $149,977.87 5.345% 2.8182% $4,226.65 9629126 $84,822.08 5.470% .5455% $462.67 9629128 $259,455.78 5.470% .5455% $1,415.21 9629150 $104,592.18 5.470% .5455% $570.50 9629156 $231,737.50 5.345% 2.8182% $6,530.78 9629164 $138,601.66 5.345% 2.8182% $3,906.05 9629174 $127,732.07 5.470% .5455% $696.72 9629190 $74,684.52 5.470% .5455% $407.37 9629196 $107,667.32 5.220% 5.0909% $5,481.25 9629218 $242,949.23 5.345% 2.8182% $6,846.75 9629232 $105,378.95 5.470% .5455% $574.79 9631302 $172,819.38 5.470% .5455% $942.65 9631304 $219,747.65 4.970% 9.6364% $21,175.68 9631306 $169,818.26 5.345% 2.8182% $4,785.79 9631308 $99,785.68 5.345% 2.8182% $2,812.14 9631312 $228,919.83 5.470% .5455% $1,248.65 9631314 $99,785.68 5.345% 2.8182% $2,812.14 9631316 $229,354.54 5.345% 2.8182% $6,463.63 9631318 $186,804.76 5.470% .5455% $1,018.94 9631320 $207,777.63 5.345% 2.8182% $5,855.55 9631624 $403,011.33 5.470% .5455% $2,198.24 9631628 $268,237.38 5.470% .5455% $1,463.11 9631634 $395,171.12 5.470% .5455% $2,155.48 9631636 $503,917.73 5.345% 2.8182% $14,201.32 9631638 $339,281.55 5.470% .5455% $1,850.63 9631640 $495,959.71 5.470% .5455% $2,705.23 9631644 $359,265.51 5.345% 2.8182% $10,124.76 9631646 $414,545.76 5.220% 5.0909% $21,104.15 9631660 $321,309.92 5.345% 2.8182% $9,055.10 9631662 $349,267.40 5.470% .5455% $1,905.09 9631666 $178,616.38 5.345% 2.8182% $5,033.73 9631670 $332,984.83 5.345% 2.8182% $9,384.12 9631672 $598,744.12 5.470% .5455% $3,265.88 9631678 $407,126.89 5.470% .5455% $2,220.69 9631684 $131,784.75 5.470% .5455% $718.83 9631690 $209,549.94 5.345% 2.8182% $5,905.50 9631692 $334,913.55 5.220% 5.0909% $17,050.14 9631694 $345,630.11 5.345% 2.8182% $9,740.48 9631696 $405,525.69 5.470% .5455% $2,211.96 9631700 $425,585.96 5.345% 2.8182% $11,993.79 9631702 $245,485.09 5.470% .5455% $1,339.01 9631708 $223,519.94 5.345% 2.8182% $6,299.20 9631714 $333,001.53 5.470% .5455% $1,816.37 9631718 $155,573.00 5.470% .5455% $848.58 9631722 $438,236.34 5.220% 5.0909% $22,310.21 9631724 $243,745.25 5.470% .5455% $1,329.52 9631728 $219,513.87 5.470% .5455% $1,197.35 9631738 $179,623.24 5.470% .5455% $979.76 9631746 $536,474.73 5.470% .5455% $2,926.23 9631752 $349,249.90 5.345% 2.8182% $9,842.50 9631758 $275,422.30 5.470% .5455% $1,502.30 9631760 $239,743.42 5.345% 2.8182% $6,756.41 9631762 $152,840.26 5.470% .5455% $833.67 9631772 $379,185.62 5.345% 2.8182% $10,686.14 9631774 $380,592.69 5.345% 2.8182% $10,725.79 9631784 $586,139.27 5.220% 5.0909% $29,839.82 9631788 $195,589.76 5.470% .5455% $1,066.85 9631790 $189,796.88 5.345% 2.8182% $5,348.82 9633744 $349,625.83 5.345% 2.8182% $9,853.09 9634054 $164,827.72 5.470% .5455% $899.06 9634176 $119,075.55 5.470% .5455% $649.50 9635312 $303,682.60 5.470% .5455% $1,656.45 9635316 $111,883.06 5.470% .5455% $610.27 9635340 $147,046.31 5.470% .5455% $802.07 9635344 $186,999.87 5.345% 2.8182% $5,270.00 9635346 $331,653.36 5.470% .5455% $1,809.02 9635360 $178,923.94 5.220% 5.0909% $9,108.86 9635366 $145,847.56 5.470% .5455% $795.53 9635376 $107,086.14 5.470% .5455% $584.11 9635384 $183,066.00 5.470% .5455% $998.54 9635386 $147,610.37 5.470% .5455% $805.15 9635396 $171,811.73 5.220% 5.0909% $8,746.78 9635414 $140,728.91 5.470% .5455% $767.61 9635434 $125,069.28 5.470% .5455% $682.20 9635462 $199,079.92 5.470% .5455% $1,085.89 9635544 $323,661.72 5.470% .5455% $1,765.43 9635546 $128,846.47 5.470% .5455% $702.80 9635568 $185,203.53 5.470% .5455% $1,010.20 9635576 $178,267.11 5.345% 2.8182% $5,023.89 9635578 $121,012.52 5.470% .5455% $660.07 9635626 $149,286.85 5.470% .5455% $814.29 9635644 $116,478.26 5.470% .5455% $635.34 9635670 $188,723.62 5.470% .5455% $1,029.40 9635684 $132,821.18 5.470% .5455% $724.48 9635688 $123,721.47 5.095% 7.3636% $9,110.40 9635762 $465,901.38 5.345% 2.8182% $13,129.95 9635934 $465,936.82 5.220% 5.0909% $23,720.42 9635936 $550,059.47 5.220% 5.0909% $28,003.03 9635948 $500,920.50 5.470% .5455% $2,732.29 9649986 $88,000.00 5.470% .5455% $480.00 9649988 $204,246.52 5.470% .5455% $1,114.07 9649992 $740,975.56 5.470% .5455% $4,041.68 9650058 $147,765.55 5.470% .5455% $805.99 9650102 $455,523.90 5.470% .5455% $2,484.68 9672164 $484,400.00 5.470% .5455% $2,642.18 9722675 $649,864.10 5.470% .5455% $3,544.71 9727603 $387,277.31 5.470% .5455% $2,112.42 9735423 $339,288.34 5.470% .5455% $1,850.66 9739183 $457,935.48 5.470% .5455% $2,497.83 9742435 $89,500.00 5.220% 5.0909% $4,556.36 9749141 $451,031.29 5.345% 2.8182% $12,710.88 9749175 $430,640.42 5.470% .5455% $2,348.95 9758829 $579,754.85 5.345% 2.8182% $16,338.55 9761177 $455,621.43 5.345% 2.8182% $12,840.24 9762773 $338,722.11 5.470% .5455% $1,847.58 9762819 $447,039.87 5.345% 2.8182% $12,598.40 9762825 $996,852.78 5.470% .5455% $5,437.38 9766773 $510,928.30 5.470% .5455% $2,786.88 9766779 $570,802.72 5.470% .5455% $3,113.47 9770375 $172,438.29 5.470% .5455% $940.57 9770423 $272,888.04 5.345% 2.8182% $7,690.48 9770467 $111,783.17 5.470% .5455% $609.73 9770493 $123,660.60 5.470% .5455% $674.51 9770505 $126,534.57 5.470% .5455% $690.19 9783617 $359,246.48 5.470% .5455% $1,959.53 9783655 $391,590.72 5.470% .5455% $2,135.95 9795837 $359,265.51 5.345% 2.8182% $10,124.76 9795859 $146,842.85 5.345% 2.8182% $4,138.30 9795897 $334,298.80 5.470% .5455% $1,823.45 9795925 $169,822.51 5.470% .5455% $926.30 9795927 $269,718.10 5.470% .5455% $1,471.19 9795979 $175,631.60 5.470% .5455% $957.99 9796073 $649,321.36 5.470% .5455% $3,541.75 9799067 $330,207.47 5.470% .5455% $1,801.13 9799223 $139,399.89 5.470% .5455% $760.36 9799289 $99,280.64 5.470% .5455% $541.53 9803027 $83,164.00 5.470% .5455% $453.62 9804631 $175,000.00 5.470% .5455% $954.55 9806193 $615,356.86 5.470% .5455% $3,356.49 9806223 $129,065.10 5.470% .5455% $703.99 9806247 $138,854.87 5.470% .5455% $757.39 9806259 $134,652.45 5.220% 5.0909% $6,855.03 9806325 $487,378.40 5.345% 2.8182% $13,735.21 9806485 $172,000.00 5.470% .5455% $938.18 9812805 $140,800.00 5.220% 5.0909% $7,168.00 9813317 $220,800.00 5.470% .5455% $1,204.36 9813355 $344,000.00 5.470% .5455% $1,876.36 9815049 $168,800.00 5.470% .5455% $920.73 9815873 $228,750.00 5.095% 7.3636% $16,844.32 9816005 $179,812.06 5.470% .5455% $980.79 9817589 $211,778.65 5.470% .5455% $1,155.16 9817615 $224,893.33 5.345% 2.8182% $6,337.90 9817681 $130,760.05 5.345% 2.8182% $3,685.06 9817711 $111,883.06 5.470% .5455% $610.27 9817761 $119,852.60 5.470% .5455% $653.74 9817789 $308,777.27 5.470% .5455% $1,684.24 9817797 $592,000.00 5.345% 2.8182% $16,683.64 9817853 $291,595.24 5.470% .5455% $1,590.52 9819007 $98,297.26 5.470% .5455% $536.17 9819281 $485,000.00 5.345% 2.8182% $13,668.18 9819725 $285,000.00 5.470% .5455% $1,554.55 9820169 $143,920.00 5.220% 5.0909% $7,326.84 9820305 $201,653.05 5.345% 2.8182% $5,682.95 9821021 $595,200.00 5.470% .5455% $3,246.55 9827845 $168,000.00 5.470% .5455% $916.36 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 or Sub-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 both Loan Groups together and for each Loan Group separately, and for both Sub-Loan Groups together and Sub-Loan Group separately, on the basis of the most recent reports furnished to it by Subservicers, (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 both Loan Groups together and for each Loan Group separately, and for both Sub-Loan Groups together and Sub-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 amount, if any, required to be paid under the Yield Maintenance Agreement for such Distribution Date and any shortfall in amounts previously required to be paid under the Yield Maintenance Agreement for prior Distribution Dates; (xii) 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; (xiii) 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; (xiv) the occurrence of the Credit Support Depletion Date; (xv) the related Senior Accelerated Distribution Percentage applicable to such distribution; (xvi) the related Senior Percentage for such Distribution Date; (xvii) for both Loan Groups together and for each Loan Group separately, and for both Sub-Loan Groups together and Sub-Loan Group separately, the aggregate amount of Realized Losses for such Distribution Date; (xviii) for both Loan Groups together and for each Loan Group separately, and for both Sub-Loan Groups together and Sub-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; (xix) for both Loan Groups together and for each Loan Group separately, and for both Sub-Loan Groups together and Sub-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; (xx) the Notional Amount with respect to each Class of Interest Only Certificates; and (xxi) for both Loan Groups together and for each Loan Group separately, and for both Sub-Loan Groups together and Sub-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 August 1, 2004 =============================================================================== STANDARD TERMS OF POOLING AND SERVICING AGREEMENT Dated as of August 1, 2004 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 Thereunder..................................................................55 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 Section 3.22 Advance Facility.....................................................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 ii Section 5.05. Appointment of Paying Agent..........................................82 Section 5.06. U.S.A. Patriot Act Compliance........................................82 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
v This is the Standard Terms of Pooling and Servicing Agreement, dated as of August 1, 2004 (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 Servicemembers 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. Advance Facility: As defined in Section 3.22. Advance Facility Notice: As defined in Section 3.22. Advance Facility Trustee: As defined in Section 3.22. Advancing Person: As defined in Section 3.22. 3 Advance Reimbursement Amounts: As defined in Section 3.22. 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. 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. 4 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 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. 5 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. 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: With respect to any Distribution Date and, with respect to any Mortgage Pool comprised of two or more Loan Groups, each Loan Group, the amount of Advances or Servicing Advances that were added to the Stated Principal Balance of 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, 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: With respect to any Distribution Date and, with respect to any Mortgage Pool comprised of two or more Loan Groups, each Loan Group, the amount, if any, by which the amount of Advances or Servicing Advances that were added to the Stated Principal Balance of 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) during the preceding calendar month exceeds the amount of principal payments on the Mortgage Loans included in the Available Distribution Amount (or, if the Mortgage Pool is comprised of two or more Loan Groups, Available Distribution Amount for the related Loan Group) 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 6 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. 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. 7 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, any Distribution Date and, with respect to any Mortgage Pool comprised of two or more Loan Groups, each Loan Group, the excess of the amount described in clause (C)(1) of the definition of Class A-P Principal Distribution Amount (for the related Loan Group, if applicable) over the amount described in clause (C)(2) of such definition. Class A-P Principal Distribution Amount: With respect to any Distribution Date and, with respect to any Mortgage Pool comprised of two or more Loan Groups, each 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 (or, with respect to any Mortgage Pool comprised of two or more Loan Groups, 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 (or, with respect to any Mortgage Pool comprised of two or more Loan Groups, 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 such Discount Mortgage Loans (or, in the case of a substitution of a Deleted Mortgage Loan, the Discount Fraction of the amount of any shortfall deposited in the Custodial Account in connection with such substitution); (C) in connection with the Cash Liquidation or REO Disposition of a Discount Mortgage Loan (or, with respect to any Mortgage Pool comprised of two or more Loan Groups, each 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; 8 (D) any amounts allocable to principal for any previous Distribution Date (calculated pursuant to clauses (A) through (C) above) that remain undistributed; and (E) the amount of any Class A-P Collection Shortfalls for such Distribution Date and the related Loan Group, if applicable, and the amount of any Class A-P Collection Shortfalls (for the related Loan Group, if applicable) remaining unpaid for all previous Distribution Dates, but only to the extent of the Eligible Funds for such Distribution Date; minus (F) the related Discount Fraction of the portion of the Capitalization Reimbursement Amount (for the related Loan Group, if applicable) for such Distribution Date, if any, related to each Discount Mortgage Loan (in the related Loan Group, if applicable). 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, if applicable) 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, if applicable) 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 related Discount Fraction of the aggregate amount of unscheduled collections described in clauses (B) and (C) above over (ii) the amount calculated pursuant to clause (F) above. 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, as amended. 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 9 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. Compliance With Laws Representation: The following representation and warranty (or any representation and warranty that is substantially similar) made by Residential Funding in Section 4 of Assignment Agreement: "Each Mortgage Loan at the time it was made complied in all material respects with applicable local, state, and federal laws, including, but not limited to, all applicable anti-predatory lending laws". 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, 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 Repository: Equifax, Transunion and Experian, or their successors in interest. Credit Support Depletion Date: The first Distribution Date on which the Certificate Principal Balances of the Subordinate Certificates have been reduced to zero. 10 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. 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. 11 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. 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 12 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 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. 13 Excess Special Hazard Loss: Any Special Hazard Loss, or portion thereof, that exceeds the then applicable 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 clause (E) of the definition of Class A-P Principal Distribution Amount. 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 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. 14 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: Realized Losses on Mortgage Loans as to which there was fraud in the origination of such Mortgage Loan. 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. 15 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. 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. 16 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. 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. 17 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 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. 18 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. 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. 19 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 timely payment of 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 short-term debt 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; (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 short-term debt obligations of such depository institution or trust company (or, if the only Rating Agency is Standard & Poor's, in the case 20 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 debt 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) any mutual fund, money market fund, common trust fund or other pooled investment vehicle, the assets of which are limited to instruments that otherwise would constitute Permitted Investments hereunder and have been rated by each Rating Agency in its highest short-term rating available (in the case of Standard & Poor's such rating shall be either AAAm or AAAm-G), including any such fund that is managed by the Trustee or any affiliate of the Trustee or for which the Trustee or any of its affiliates acts as an adviser; 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 (without giving effect to any Certificate Policy (as defined in the Series Supplement) in the case of Insured Certificates (as defined in the Series Supplement) 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 rating category available 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 rating category available obligations shall mean A-1 in the case of Standard & Poor's, P-1 in the case of Moody's and either A-+ by Standard & Poor's, P-1 by Moody's or F-1 by Fitch in the case of Fitch. Permitted Transferee: Any Transferee of a Class R Certificate, other than a Disqualified Organization or Non-United States Person. 21 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 (adjusted to the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of 22 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 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); 23 (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 Imputed Interest, if any) at the Net Mortgage Rate from the Due Date as to which interest was last paid or advanced to 24 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. 25 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. Reimbursement Amounts: As defined in Section 3.22. 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, 26 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 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. 27 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 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 28 (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 (excluding the Discount Fraction of the Discount Mortgage Loans 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 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 Advance Reimbursement Amounts: As defined in Section 3.22. 29 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. 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, as of any Distribution Date, (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 with the Due Period related to the previous 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 30 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). 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 31 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. 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. Successor Master Servicer: As defined in Section 3.22. 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, 32 (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, (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. U.S.A. Patriot Act: Uniting and Strengthening America by Providing Appropriate Tools to Intercept and Obstruct Terrorism Act of 2001, as amended. 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. 33 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. 34 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 for the benefit of the Certificateholders 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 for the benefit of the Holders of the Insured Certificates (as defined in the Series Supplement). (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 in blank or 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 35 (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. 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. 36 (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) 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 37 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 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 38 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, 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, 9-314 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 39 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 type or jurisdiction of organization 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. (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 40 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 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 41 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 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; 42 (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; (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 43 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. 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 a breach of the Compliance With Laws Representation has given rise to the obligation to repurchase or substitute a Mortgage Loan pursuant to Section 4 of the Assignment Agreement, 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 44 Section 2.01, with the Mortgage Note endorsed as required by Section 2.01. No substitution will be made in any calendar month after the Determination Date for such month. Monthly Payments due with respect to Qualified Substitute Mortgage Loans in the month of substitution shall not be part of the Trust Fund and will be retained by the Master Servicer and remitted by the Master Servicer to Residential Funding on the next succeeding Distribution Date. For the month of substitution, distributions to the Certificateholders will include the Monthly Payment due on a Deleted Mortgage Loan for such month and thereafter Residential Funding shall be entitled to retain all amounts received in respect of such Deleted Mortgage Loan. The Master Servicer shall amend or cause to be amended the Mortgage Loan Schedule, and, if the Deleted Mortgage Loan was a Discount Mortgage Loan, the Schedule of Discount Fractions, for the benefit of the Certificateholders to reflect the removal of such Deleted Mortgage Loan and the substitution of the Qualified Substitute Mortgage Loan or Loans and the Master Servicer shall deliver the amended Mortgage Loan Schedule, and, if the Deleted Mortgage Loan was a Discount Mortgage Loan, the amended Schedule of Discount Fractions, to the Trustee. Upon such substitution, the Qualified Substitute Mortgage Loan or Loans shall be subject to the terms of this Agreement and the related Subservicing Agreement in all respects, the related Seller shall be deemed to have made the representations and warranties with respect to the Qualified Substitute Mortgage Loan contained in the related Seller's Agreement as of the date of substitution, insofar as Residential Funding's rights in respect of such representations and warranties are assigned to the Company pursuant to the Assignment Agreement, and the Company and the Master Servicer shall be deemed to have made with respect to any Qualified Substitute Mortgage Loan or Loans, as of the date of substitution, the covenants, representations and warranties set forth in this Section 2.04, in Section 2.03 hereof and in Section 4 of the Assignment Agreement, and the Master Servicer shall be obligated to repurchase or substitute for any Qualified Substitute Mortgage Loan as to which a Repurchase Event (as defined in the Assignment Agreement) has occurred pursuant to Section 4 of the Assignment Agreement. In connection with the substitution of one or more Qualified Substitute Mortgage Loans for one or more Deleted Mortgage Loans, the Master Servicer will determine the amount (if any) by which the aggregate principal balance of all such Qualified Substitute Mortgage Loans as of the date of substitution is less than the aggregate Stated Principal Balance of all such Deleted Mortgage Loans (in each case after application of the principal portion of the Monthly Payments due in the month of substitution that are to be distributed to the Certificateholders in the month of substitution). Residential Funding shall deposit the amount of such shortfall into the Custodial Account on the day of substitution, without any reimbursement therefor. Residential Funding shall give notice in writing to the Trustee of such event, which notice shall be accompanied by an Officers' Certificate as to the calculation of such shortfall and (subject to Section 10.01(f)) by an Opinion of Counsel to the effect that such substitution will not cause (a) any federal tax to be imposed on the Trust Fund, including without limitation, any federal tax imposed on "prohibited transactions" under Section 860F(a)(1) of the Code or on "contributions after the startup date" under Section 860G(d)(1) of the Code or (b) any portion of any REMIC to fail to qualify as such at any time that any Certificate is outstanding. It is understood and agreed that the obligation of the Seller or Residential Funding, as the case may be, to cure such breach or purchase (or in the case of Residential Funding to substitute for) such Mortgage Loan as to which such a breach has occurred and is continuing and to make any additional payments required under the Assignment Agreement in connection with a breach of the Compliance With Laws Representation shall constitute the sole remedy 45 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. 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. 46 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 47 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. 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 hereto 48 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) 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 49 Subservicer, the Master Servicer shall use reasonable efforts to have the successor Subservicer assume liability for the representations and warranties 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 50 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. 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 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 51 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 remaining term of such Mortgage Loan, and such amounts may be added to the outstanding principal balance of a Mortgage Loan only once during the life of such Mortgage Loan. Also, the addition of such amounts described in the preceding sentence shall be implemented in accordance with the Program Guide and may be implemented only by Subservicers that have been approved by the Master Servicer for such purpose. In connection with any Curtailment of a Mortgage Loan, the Master Servicer, to the extent not inconsistent with the terms of the Mortgage Note and local law and practice, may permit the Mortgage Loan to be reamortized such that the Monthly Payment is recalculated as an amount that will fully amortize the remaining Stated Principal Balance thereof by the original Maturity Date based on the original Mortgage Rate; provided, that such re-amortization shall not be permitted if it would constitute a reissuance of the Mortgage Loan for federal income tax purposes, except if such reissuance is described in Treasury Regulation Section 1.860G-2(b)(3). (b) The Master Servicer shall establish and maintain a Custodial Account in which the Master Servicer shall deposit or cause to be deposited on a daily basis, except as otherwise specifically provided herein, the following payments and collections remitted by Subservicers or received by it in respect of the Mortgage Loans subsequent to the Cut-off Date (other than in respect of principal and interest on the Mortgage Loans due on or before the Cut-off Date): (i) All payments on account of principal, including Principal Prepayments made by Mortgagors on the Mortgage Loans and the principal component of any Subservicer Advance or of any REO Proceeds received in connection with an REO Property for which an REO Disposition has occurred; (ii) All payments on account of interest at the Adjusted Mortgage Rate on the Mortgage Loans, including Buydown Funds, if any, and the interest component of any Subservicer Advance or of any REO Proceeds received in connection with an REO Property for which an REO Disposition has occurred; (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 Compliance With Laws Representation 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 52 (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) 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 53 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 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 54 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. (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; 55 (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 (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 a 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 56 (x) to withdraw any amount deposited in the Custodial Account that was not required to be deposited therein pursuant to Section 3.07. (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 57 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. (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 58 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). 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: 59 (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. (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 60 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 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 61 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 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 62 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 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 63 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. (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 64 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. (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 65 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 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 66 (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 co-trustee (as provided in Section 8.05) and the fees and expense of any Custodian) and shall not be entitled to reimbursement therefor except as specifically provided in Sections 3.10 and 3.14. (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 67 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 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 68 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 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. Section 3.22. Advance Facility (a) The Master Servicer is hereby authorized to enter into a financing or other facility (any such arrangement, an "Advance Facility") under which (1) the Master Servicer sells, assigns or pledges to another Person (an "Advancing Person") the Master Servicer's rights under this Agreement to be reimbursed for any Advances or Servicing Advances and/or (2) an Advancing Person agrees to fund some or all Advances and/or Servicing Advances required to be made by the Master Servicer pursuant to this Agreement. No consent of the Depositor, the Trustee, the Certificateholders or any other party shall be required before the Master Servicer may enter into an Advance Facility. Notwithstanding the existence of any Advance Facility under which an Advancing Person agrees to fund Advances and/or Servicing Advances on the Master Servicer's behalf, the Master Servicer shall remain obligated pursuant to this Agreement to make Advances and Servicing Advances pursuant to and as required by this Agreement. If the Master Servicer enters into an Advance Facility, and for so long as an Advancing Person remains entitled to receive reimbursement for any Advances including Nonrecoverable 69 Advances ("Advance Reimbursement Amounts") and/or Servicing Advances including Nonrecoverable Advances ("Servicing Advance Reimbursement Amounts" and together with Advance Reimbursement Amounts, "Reimbursement Amounts") (in each case to the extent such type of Reimbursement Amount is included in the Advance Facility), as applicable, pursuant to this Agreement, then the Master Servicer shall identify such Reimbursement Amounts consistent with the reimbursement rights set forth in Section 3.10(a)(ii) and (vii) and remit such Reimbursement Amounts in accordance with this Section 3.22 or otherwise in accordance with the documentation establishing the Advance Facility to such Advancing Person or to a trustee, agent or custodian (an "Advance Facility Trustee") designated by such Advancing Person in an Advance Facility Notice described below in Section 3.22(b). Notwithstanding the foregoing, if so required pursuant to the terms of the Advance Facility, the Master Servicer may direct, and if so directed in writing the Trustee is hereby authorized to and shall pay to the Advance Facility Trustee the Reimbursement Amounts identified pursuant to the preceding sentence. An Advancing Person whose obligations hereunder are limited to the funding of Advances and/or Servicing Advances shall not be required to meet the qualifications of a Master Servicer or a Subservicer pursuant to Section 3.02(a) or 6.02(c) hereof and shall not be deemed to be a Subservicer under this Agreement. Notwithstanding anything to the contrary herein, in no event shall Advance Reimbursement Amounts or Servicing Advance Reimbursement Amounts be included in the Available Distribution Amount or distributed to Certificateholders. (b) If the Master Servicer enters into an Advance Facility and makes the election set forth in Section 3.22(a), the Master Servicer and the related Advancing Person shall deliver to the Certificate Insurer and the Trustee a written notice and payment instruction (an "Advance Facility Notice"), providing the Trustee with written payment instructions as to where to remit Advance Reimbursement Amounts and/or Servicing Advance Reimbursement Amounts (each to the extent such type of Reimbursement Amount is included within the Advance Facility) on subsequent Distribution Dates. The payment instruction shall require the applicable Reimbursement Amounts to be distributed to the Advancing Person or to an Advance Facility Trustee designated in the Advance Facility Notice. An Advance Facility Notice may only be terminated by the joint written direction of the Master Servicer and the related Advancing Person (and any related Advance Facility Trustee). The Master Servicer shall provide the Certificate Insurer, if any, with notice of any termination of any Advance Facility pursuant to this Section 3.22(b). (c) Reimbursement Amounts shall consist solely of amounts in respect of Advances and/or Servicing Advances made with respect to the Mortgage Loans for which the Master Servicer would be permitted to reimburse itself in accordance with Section 3.10(a)(ii) and (vii) hereof, assuming the Master Servicer or the Advancing Person had made the related Advance(s) and/or Servicing Advance(s). Notwithstanding the foregoing, except with respect to reimbursement of Nonrecoverable Advances as set forth in Section 3.10(c) of this Agreement, no Person shall be entitled to reimbursement from funds held in the Collection Account for future distribution to Certificateholders pursuant to this Agreement. Neither the Depositor nor the Trustee shall have any duty or liability with respect to the calculation of any Reimbursement Amount, nor shall the Depositor or the Trustee have any responsibility to track or monitor the administration of the Advance Facility or have any responsibility to track, 70 Person or Advance Facility Trustee; provided, however, the Trustee shall maintain records with respect to the payment of such Reimbursement Amounts as it does with respect to other distributions made pursuant to this Agreement. The Master Servicer shall maintain and provide to any Successor Master Servicer a detailed accounting on a loan-by-loan basis as to amounts advanced by, sold, pledged or assigned to, and reimbursed to any Advancing Person. The Successor Master Servicer shall be entitled to rely on any such information provided by the Master Servicer and the Successor Master Servicer shall not be liable for any errors in such information. (d) Upon the direction of and at the expense of the Master Servicer, the Trustee agrees to execute such acknowledgments reasonably satisfactory to the Trustee provided by the Master Servicer recognizing the interests of any Advancing Person or Advance Facility Trustee in such Reimbursement Amounts as the Master Servicer may cause to be made subject to Advance Facilities pursuant to this Section 3.22. (e) Reimbursement Amounts collected with respect to each Mortgage Loan shall be allocated to outstanding unreimbursed Advances or Servicing Advances (as the case may be) made with respect to that Mortgage Loan on a "first-in, first out" ("FIFO") basis, subject to the qualifications set forth below: (i) Any successor Master Servicer to Residential Funding (a "Successor Master Servicer") and the Advancing Person or Advance Facility Trustee shall be required to apply all amounts available in accordance with this Section 3.22(e) to the reimbursement of Advances and Servicing Advances in the manner provided for herein; provided, however, that after the succession of a Successor Master Servicer, (A) to the extent that any Advances or Servicing Advances with respect to any particular Mortgage Loan are reimbursed from payments or recoveries, if any, from the related Mortgagor, and Liquidation Proceeds or Insurance Proceeds, if any, with respect to that Mortgage Loan, reimbursement shall be made, first, to the Advancing Person or Advance Facility Trustee in respect of Advances and/or Servicing Advances related to that Mortgage Loan to the extent of the interest of the Advancing Person or Advance Facility Trustee in such Advances and/or Servicing Advances, second to the Master Servicer in respect of Advances and/or Servicing Advances related to that Mortgage Loan in excess of those in which the Advancing Person or Advance Facility Trustee Person has an interest, and third, to the Successor Master Servicer in respect of any other Advances and/or Servicing Advances related to that Mortgage Loan, from such sources as and when collected, and (B) reimbursements of Advances and Servicing Advances that are Nonrecoverable Advances shall be made pro rata to the Advancing Person or Advance Facility Trustee, on the one hand, and any such Successor Master Servicer, on the other hand, on the basis of the respective aggregate outstanding unreimbursed Advances and Servicing Advances that are Nonrecoverable Advances owed to the Advancing Person, Advance Facility Trustee or Master Servicer pursuant to this Agreement, on the one hand, and any such Successor Master Servicer, on the other hand, and without regard to the date on which any such Advances or Servicing Advances shall have been made. In the event that, as a result of the FIFO allocation made pursuant to this Section 3.22(e), some or all of a Reimbursement Amount paid to the Advancing Person or Advance Facility Trustee relates to Advances or Servicing Advances that were made by a Person other than Residential Funding or the Advancing Person or Advance Facility Trustee, then the Advancing Person or Advance Facility Trustee shall be required to remit 71 any portion of such Reimbursement Amount to the Person entitled to such portion of such Reimbursement Amount. Without limiting the generality of the foregoing, Residential Funding shall remain entitled to be reimbursed by the Advancing Person or Advance Facility Trustee for all Advances and Servicing Advances funded by Residential Funding to the extent the related Reimbursement Amount(s) have not been assigned or pledged to an Advancing Person or Advance Facility Trustee. The documentation establishing any Advance Facility shall require Residential Funding to provide to the related Advancing Person or Advance Facility Trustee loan by loan information with respect to each Reimbursement Amount distributed to such Advancing Person or Advance Facility Trustee on each date of remittance thereof to such Advancing Person or Advance Facility Trustee, to enable the Advancing Person or Advance Facility Trustee to make the FIFO allocation of each Reimbursement Amount with respect to each Mortgage Loan. (ii) By way of illustration, and not by way of limiting the generality of the foregoing, if the Master Servicer resigns or is terminated at a time when the Master Servicer is a party to an Advance Facility, and is replaced by a Successor Master Servicer, and the Successor Master Servicer directly funds Advances or Servicing Advances with respect to a Mortgage Loan and does not assign or pledge the related Reimbursement Amounts to the related Advancing Person or Advance Facility Trustee, then all payments and recoveries received from the related Mortgagor or received in the form of Liquidation Proceeds with respect to such Mortgage Loan (including Insurance Proceeds collected in connection with a liquidation of such Mortgage Loan) will be allocated first to the Advancing Person or Advance Facility Trustee until the related Reimbursement Amounts attributable to such Mortgage Loan that are owed to the Master Servicer and the Advancing Person, which were made prior to any Advances or Servicing Advances made by the Successor Master Servicer, have been reimbursed in full, at which point the Successor Master Servicer shall be entitled to retain all related Reimbursement Amounts subsequently collected with respect to that Mortgage Loan pursuant to Section 3.10 of this Agreement. To the extent that the Advances or Servicing Advances are Nonrecoverable Advances to be reimbursed on an aggregate basis pursuant to Section 3.10 of this Agreement, the reimbursement paid in this manner will be made pro rata to the Advancing Person or Advance Facility Trustee, on the one hand, and the Successor Master Servicer, on the other hand, as described in clause (i)(B) above. (f) The Master Servicer shall remain entitled to be reimbursed for all Advances and Servicing Advances funded by the Master Servicer to the extent the related rights to be reimbursed therefor have not been sold, assigned or pledged to an Advancing Person. (g) Any amendment to this Section 3.22 or to any other provision of this Agreement that may be necessary or appropriate to effect the terms of an Advance Facility as described generally in this Section 3.22, including amendments to add provisions relating to a successor master servicer, may be entered into by the Trustee, the Certificate Insurer, Depositor and the Master Servicer without 72 the consent of any Certificateholder, with written confirmation from each Rating Agency that the amendment 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, notwithstanding anything to the contrary in Section 11.01 of or elsewhere in this Agreement. (h) Any rights of set-off that the Trust Fund, the Trustee, the Depositor, any Successor Master Servicer or any other Person might otherwise have against the Master Servicer under this Agreement shall not attach to any rights to be reimbursed for Advances or Servicing Advances that have been sold, transferred, pledged, conveyed or assigned to any Advancing Person. (i) At any time when an Advancing Person shall have ceased funding Advances and/or Servicing Advances (as the case may be) and the Advancing Person or related Advance Facility Trustee shall have received Reimbursement Amounts sufficient in the aggregate to reimburse all Advances and/or Servicing Advances (as the case may be) the right to reimbursement for which were assigned to the Advancing Person, then upon the delivery of a written notice signed by the Advancing Person and the Master Servicer or its successor or assign) to the Trustee terminating the Advance Facility Notice (the "Notice of Facility Termination"), the Master Servicer or its Successor Master Servicer shall again be entitled to withdraw and retain the related Reimbursement Amounts from the Custodial Account pursuant to Section 3.10. (j) After delivery of any Advance Facility Notice, and until any such Advance Facility Notice has been terminated by a Notice of Facility Termination, this Section 3.22 may not be amended or otherwise modified without the prior written consent of the related Advancing Person. 73 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 74 Servicer shall forward to the Trustee and the Trustee shall either forward by 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, and the rules and regulations of the Commission thereunder. In connection with 75 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 Servicemembers Civil Relief Act, as amended, or similar legislation or regulations then in effect, on the Outstanding Mortgage Loans as of the related Due Date, which 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 76 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. 77 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 in the Certificate Account and shall distribute such Required Surety Payment, or the proceeds thereof, in accordance with the provisions of Section 4.02. 78 (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. 79 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 80 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 a request, such Certificate Owner shall, subject to the rules and procedures of the Depository, provide the Depository or the related Depository Participant with directions for the Certificate Registrar to exchange or cause the exchange of the Certificate Owner's interest in such Class of Certificates for an equivalent Percentage Interest in fully registered definitive form. Upon receipt by the Certificate Registrar of instructions from the Depository directing the Certificate Registrar to effect such exchange (such instructions shall contain information regarding the Class of Certificates and the Certificate Principal Balance being exchanged, the Depository Participant account to be debited with the decrease, the registered holder of and delivery instructions for the Definitive Certificate, and any other information reasonably required by the Certificate Registrar), (i) the Certificate Registrar shall instruct the Depository to reduce the related Depository Participant's account by the aggregate Certificate Principal Balance of the Definitive Certificate, (ii) the Trustee shall execute and the Certificate Registrar shall authenticate and deliver, in accordance with the registration and delivery instructions provided by the Depository, a Definitive Certificate evidencing such Certificate Owner's Percentage Interest in such Class of Certificates and (iii) the Trustee shall execute and the Certificate Registrar shall authenticate a new Book-Entry Certificate reflecting the reduction in the aggregate Certificate Principal Balance of such Class of Certificates by the Certificate Principal Balance of the Definitive Certificate. 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) If the Class A-V Certificates are Definitive Certificates, 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 to this Agreement as Exhibit N executed by an authorized officer, which Subclasses, in the aggregate, will 81 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. 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 82 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 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 83 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 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. 84 (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. (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. 85 (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 shall 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. (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. 86 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, shall 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. (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 (in the case of the Insured Certificates (as defined in the Series Supplement), such determination shall be made without giving effect to the Certificate Policy (as defined in the Series Supplement)), 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. 87 (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 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. 88 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 shall 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 distributed 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. Section 5.06. U.S.A. Patriot Act Compliance. In order for it to comply with its duties under the U.S.A. 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. 89 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 shall each keep in full effect its existence, rights and franchises as a corporation under the laws of the state of its incorporation, and shall 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 (in the case of the Insured Certificates (as defined in the Series Supplement), such determination shall be made without giving effect to the Certificate Policy (as defined in the Series Supplement)), 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 (in the case of the Insured Certificates (as defined in the Series Supplement), such determination shall be made without giving effect to the Certificate Policy (as defined in the Series Supplement)) 90 that have been rated in effect immediately 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 91 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. 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. 92 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 deposit or cause to be deposited into the Certificate Account any amounts required to be so deposited therein at the time required pursuant to Section 4.01 or otherwise or 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 each 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 93 (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. 94 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 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 95 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. 96 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 97 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 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; 98 (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 laws, provided that the Master Servicer shall indemnify the Trustee for signing any such Tax Returns that contain errors or omissions. 99 (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. 100 (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, including, without limitation, all costs, liabilities and expenses (including reasonable legal fees and expenses) of investigating and defending itself against any claim, action or proceeding, pending or threatened, relating to the provisions of this paragraph, 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. 101 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 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, 102 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 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 103 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. (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. 104 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 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. 105 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 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 Compliance With Laws Representation, 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. 106 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) 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. Such notice shall be prepared 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) and mailed by the Trustee to the Certificateholders 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: (iii) 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, (iv) 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 107 (v) 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 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. (b) 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. (c) 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 108 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 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. (d) 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 109 comply with the requirements of this Section 9.02 will not (i) result in the imposition on the Trust Fund 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; (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. 110 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. 111 (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 112 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 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. 113 (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. 114 (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. Section 10.04. Distributions on the Uncertificated REMIC I and REMIC II Regular Interests. As provided in Section 10.04 of the Series Supplement. Section 10.05. Compliance with Withholding Requirements. As provided in Section 10.05 of the Series Supplement. 115 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 (in the case of the Insured Certificates (as defined in the Series Supplement), such determination shall be made without giving effect to the Certificate Policy (as defined in the Series Supplement)), 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 (in the case of the Insured Certificates (as defined in the Series Supplement), such determination shall be made without giving effect to the Certificate Policy (as defined in the Series Supplement)), 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, 116 (vi) to make any other provisions with respect to matters or questions arising under this Agreement or such Custodial Agreement which shall not 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 117 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 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. 118 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. 119 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. 120 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. 121 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.] 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 A-2 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 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 A-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 registered as the owner hereof for all purposes, and neither the Company, the A-4 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. A-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 A-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. A-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. B-1 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, 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. B-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 B-3 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 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 funds are advanced with respect to any Mortgage Loan, such advance is B-4 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 B-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. B-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 B-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. B-7 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. 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 C-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 C-3 under Section 406 of ERISA or Section 4975 of the Code or (ii) a representation 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 C-4 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. 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. C-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 C-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. C-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 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. 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 D-2 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 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. D-3 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. D-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. D-5 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. D-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 R Certificates referred to in the within-mentioned Agreement. [____________________________], as Certificate Registrar By: Authorized Signatory D-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. D-8 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) 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. E-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. E-3 10. MISCELLANEOUS. 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. E-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: E-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: 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 G-1-1 transferor of a noneconomic residual interest will remain liable for any taxes 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. G-2-1 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. G-3-1 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__. G-4-1 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 G-5-1 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. 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. G-6-1 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 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. G-7-1 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 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 G-8-1 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 G-9-1 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 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 G-10-1 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 G-11-1 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 * * * G-12-1 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 G-2-1 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: __________________________ Title: G-2-2 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. 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, H-2 (d) make any general solicitation by means of general advertising or in any other manner or (e) take any other action, that (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: H-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. Very truly yours, __________________________ (Seller) By: ________________________ Name: Title: 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. (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 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: 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. -- 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. J-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: J-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. 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: IF AN ADVISER: Print Name of Buyer Date: 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 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 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. 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 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. L-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: L-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: Title: 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: 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: 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