EXECUTION COPY


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                        RESIDENTIAL ACCREDIT LOANS, INC.,

                                    Company,

                        RESIDENTIAL FUNDING CORPORATION,

                                Master Servicer,

                                       and

                      DEUTSCHE BANK TRUST COMPANY AMERICAS,

                                     Trustee

                               SERIES SUPPLEMENT,

                          DATED AS OF DECEMBER 1, 2002,

                                       TO

                                STANDARD TERMS OF
                         POOLING AND SERVICING AGREEMENT
                           dated as of August 1, 2002

                 Mortgage Asset-Backed Pass-Through Certificates

                                Series 2002-QS18


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<PAGE>

<TABLE>
<CAPTION>

                               Table of Contents


                                                                                          PAGE

<S>                                                                                        <C>
Article I    DEFINITIONS....................................................................4

        Section 1.01.  Definitions..........................................................4
        Section 1.02.  Use of Words and Phrases............................................12

Article II   CONVEYANCE OF MORTGAGE LOANS; ORIGINAL
        ISSUANCE OF CERTIFICATES...........................................................13

        Section 2.01.   Conveyance of Mortgage Loans.  (See Section 2.01 of the Standard
        Terms).............................................................................13
        Section 2.02.   Acceptance by Trustee.  (See Section 2.02 of the Standard Terms)...13
        Section 2.03.   Representations, Warranties and Covenants of the
        Master Servicer and the Company....................................................13
        Section 2.04.   Representations and Warranties of Sellers. (See Section 2.04 of the
        Standard Terms)....................................................................16
        Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates
        Evidencing Interests in Certificates...............................................16
        Section 2.06. [Reserved]...........................................................16
        Section 2.07. [Reserved]...........................................................16
        Section 2.08. Purposes and Powers of the Trust (See Section 2.08 of the Standard
        Terms).............................................................................16

Article III  ADMINISTRATION AND SERVICING OF MORTGAGE LOANS................................17

Article IV  PAYMENTS TO CERTIFICATEHOLDERS.................................................18

        Section 4.01. Certificate Account.  (See Section 4.01 of the Standard Terms).......18
        Section 4.02. Distributions. ......................................................18
        Section 4.03. Statements to Certificateholders; Exchange Act Reporting.............25
        Section 4.04. Distribution of Reports to the Trustee and the Company; Advances by the
        Master Servicer....................................................................26
        Section 4.05. Allocation of Realized Losses. ......................................26
        Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property.  (See
        Section 4.06 of the Standard Terms)................................................28
        Section 4.07. Optional Purchase of Defaulted Mortgage Loans.  (See Section 4.07 of
        the Standard Terms)................................................................28
        Section 4.08. Surety Bond. (See Section 4.08 of the Standard Terms)................28

Article V  THE CERTIFICATES................................................................29

        Section 5.01. The Certificates.  (See Section 5.01 of the Standard Terms)..........29

        Section 5.02. Registration of Transfer and Exchange of Certificates................29

        Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates. (See Section
                      5.03 of the Standard Terms)..........................................29

        Section 5.04. Persons Deemed Owners. (See Section 5.04 of the Standard Terms)......29

                                        i

<PAGE>


        Section 5.05. Appointment of Paying Agent. (See Section 5.05 of the Standard
                      Terms)...............................................................29

Article VI    THE COMPANY AND THE MASTER SERVICER..........................................30

Article VII   DEFAULT......................................................................31

Article VIII  CONCERNING THE TRUSTEE.......................................................32

Article IX    TERMINATION..................................................................33

Article X      REMIC PROVISIONS............................................................34

        Section 10.01. REMIC Administration.  (See Section 10.01 of the Standard Terms)....34
        Section 10.02.Master Servicer; REMIC Administrator and Trustee Indemnification.
        (See Section 10.02 of the Standard Terms)..........................................34
        Section 10.03. Designation of REMIC................................................34
        Section 10.04. [Reserved]..........................................................34
        Section 10.05. Compliance with Withholding Requirements............................34

Article XI   MISCELLANEOUS PROVISIONS......................................................35

        Section 11.01. Amendment.  (See Section 11.01 of the Standard Terms)...............35
        Section 11.02. Recordation of Agreement;  Counterparts.  (See Section 11.02 of the
        Standard Terms)....................................................................35
        Section 11.03. Limitation on Rights of Certificateholders.  (See Section 11.03 of the
        Standard Terms)....................................................................35
        Section 11.04. Governing Laws.  (See Section 11.04 of the Standard Terms)..........35
        Section 11.05. Notices.............................................................35
        Section 11.06. Required Notices to Rating Agency and Subservicer.  (See Section 11.06
        of the Standard Terms).............................................................36
        Section 11.07.Severability of Provisions. (See Section 11.07 of the Standard Terms)36
        Section 11.08. Supplemental Provisions for Resecuritization.  (See Section 11.08 of
        the Standard Terms)................................................................36
        Section 11.09. Allocation of Voting Rights.........................................36
        Section 11.10. No Petition.........................................................36
</TABLE>

                                        ii
<PAGE>

                                    EXHIBITS

Exhibit One:          Mortgage Loan Schedule
Exhibit Two:          Schedule of Discount Fractions
Exhibit Three:        Information to be Included in
                      Monthly Distribution Date Statement
Exhibit Four:         Standard Terms of Pooling and Servicing
                      Agreement Dated as of August 1, 2002
Exhibit Five:..       Form of Form 10-K Certification
Exhibit Six:          Form of Back-Up Certification to Form 10-K Certificate


                                        iii
<PAGE>



        This is a Series  Supplement,  dated as of December 1, 2002 (the "Series
Supplement"), to the Standard Terms of Pooling and Servicing Agreement, dated as
of August 1, 2002 and attached as Exhibit Four hereto (the "Standard Terms" and,
together with this Series Supplement,  the "Pooling and Servicing  Agreement" or
"Agreement"),  among RESIDENTIAL  ACCREDIT LOANS, INC., as the company (together
with its permitted successors and assigns,  the "Company"),  RESIDENTIAL FUNDING
CORPORATION,  as master  servicer  (together  with its permitted  successors and
assigns,  the "Master Servicer"),  and DEUTSCHE BANK TRUST COMPANY AMERICAS,  as
Trustee (together with its permitted successors and assigns, the "Trustee").

                             PRELIMINARY STATEMENT:

        The  Company   intends  to  sell  mortgage   asset-backed   pass-through
certificates  (collectively,  the  "Certificates"),  to be issued  hereunder  in
multiple  classes,  which in the aggregate  will evidence the entire  beneficial
ownership  interest  in the  Mortgage  Loans.  As  provided  herein,  the  REMIC
Administrator  will make an  election  to treat the  entire  segregated  pool of
assets  described in the definition of Trust Fund, and subject to this Agreement
(including the Mortgage Loans but excluding the Initial  Monthly  Payment Fund),
as a real estate mortgage  investment conduit (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.


<PAGE>


        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.


<TABLE>
<CAPTION>

                              AGGREGATE
                               INITIAL
                             CERTIFICATE
               PASS-THROUGH   PRINCIPAL                            MATURITY             FITCH/        MINIMUM
 DESIGNATION      RATE         BALANCE      FEATURES1                DATE                MOODY'S     DENOMINATIONS2



<S>     <C>       <C>      <C>                                              <C> <C>                   <C>
Class A-1         5.50%    $250,566,000.00   Senior/Fixed Rate     December 25, 2017      AAA/Aaa     $25,000.00
Class A-P         0.00%      $1,674,591.17   Senior/Principal      December 25, 2017      AAA/Aaa     $25,000.00
                                                   Only
Class A-V       Variable             $0.00    Senior/Interest      December 25, 2017      AAA/Aaa        4
               Rate3                        Only/Variable Rate
Class R           5.50%            $100.00    Senior/Residual      December 25, 2017      AAA/Aaa        5

Class M-1         5.50%      $4,798,700.00       Mezzanine         December 25, 2017      AA/NA       $25,000.00

Class M-2         5.50%        $518,800.00       Mezzanine         December 25, 2017       A/NA       $250,000.00

Class M-3         5.50%        $778,200.00       Mezzanine         December 25, 2017      BBB/NA      $250,000.00

Class B-1         5.50%        $389,100.00      Subordinate        December 25, 2017      BB/NA       $250,000.00

Class B-2         5.50%        $259,400.00      Subordinate        December 25, 2017      B/NA        $250,000.00

Class B-3         5.50%        $389,126.18      Subordinate        December 25, 2017      NA/NA       $250,000.00

</TABLE>
1    The Certificates,  other than the Class A-P, Class A-V, Class B and Class R
     Certificates  shall be Book-Entry  Certificates.  The Class A-P, Class A-V,
     Class B and Class R Certificates  shall be delivered to the holders thereof
     in physical form.

2    The Certificates,  other than the Class A-V and Class R Certificates, shall
     be  issuable  in  minimum  dollar  denominations  as  indicated  above  (by
     Certificate  Principal  Balance or  Notional  Amount,  as  applicable)  and
     integral  multiples  of $1 (or $1,000 in the case of Class A-P,  Class B-1,
     Class B-2 and Class B-3  Certificates)  in excess thereof,  except that one
     Certificate  of any of the Class A-P and Class B-1, Class B-2 and Class B-3
     Certificates that contain an uneven multiple of $1,000 shall be issued in a
     denomination equal to the sum of the related minimum denomination set forth
     above  and  such  uneven  multiple  for  such  Class  or the  sum  of  such
     denomination      and     an      integral      multiple     of     $1,000.

3    The initial Pass-Through Rate on the Class A-V Certificates is 0.2394%.

4    The Class A-V  Certificates  shall be issuable in minimum  denominations of
     not less than a 20% Percentage Interest.

5    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 will be issuable to Residential Funding as "tax matters person"
     pursuant to Section 10.01(c) and (e) in a minimum denomination representing
     a Percentage Interest of not less than 0.01%.


                                       2
<PAGE>

        The Mortgage Loans have an aggregate principal balance as of the Cut-off
Date of $259,374,017.35.

        In consideration of the mutual agreements herein contained, the Company,
the Master Servicer and the Trustee agree as follows:

                                       3
<PAGE>

                                    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.

        Bankruptcy  Amount:  As of any date of determination  prior to the first
anniversary  of the Cut-off Date, an amount equal to the excess,  if any, of (A)
$100,000 over (B) the aggregate amount of Bankruptcy  Losses allocated solely to
one or more specific  Classes of Certificates in accordance with Section 4.05 of
this Series  Supplement.  As of any date of  determination on or after the first
anniversary of the Cut-off Date, an amount equal to the excess, if any, of

               (1) the lesser of (a) the Bankruptcy  Amount calculated as of the
        close of business on the Business  Day  immediately  preceding  the most
        recent anniversary of the Cut-off Date coinciding with or preceding such
        date  of  determination  (or,  if  such  date  of  determination  is  an
        anniversary of the Cut-off Date, the Business Day immediately  preceding
        such  date of  determination)  (for  purposes  of this  definition,  the
        "Relevant Anniversary") and (b) the greater of

                      (A)  (i)  if  the  aggregate   principal  balance  of  the
               Non-Primary  Residence  Loans as of the Relevant  Anniversary  is
               less than 10% of the Stated  Principal  Balance  of the  Mortgage
               Loans  as of the  Relevant  Anniversary,  $0.00,  or  (ii) if the
               aggregate principal balance of the Non-Primary Residence Loans as
               of the  Relevant  Anniversary  is equal to or greater than 10% of
               the  Stated  Principal  Balance of the  Mortgage  Loans as of the
               Relevant  Anniversary,  the  sum of (I) the  aggregate  principal
               balance of the  Non-Primary  Residence Loans with a Loan-to-Value
               Ratio of  greater  than  80.00%  but less than or equal to 90.00%
               (other than Additional  Collateral Loans),  times 0.25%, (II) the
               aggregate  principal  balance of the Non-Primary  Residence Loans
               with a  Loan-to-Value  Ratio of greater than 90.00% but less than
               or equal to 95.00%  (other  than  Additional  Collateral  Loans),
               times 0.50%,  and (III) the  aggregate  principal  balance of the
               Non-Primary Residence Loans with a Loan-to-Value Ratio of greater
               than 95.00% (other than Additional Collateral Loans) times 0.75%,
               in each case as of the Relevant Anniversary; and

                      (B) the greater of (i) the product of (x) an amount  equal
               to the largest  difference in the related Monthly Payment for any
               Non-Primary  Residence Loan remaining in the Mortgage Pool (other
               than   Additional   Collateral   Loans)  which  had  an  original
               Loan-to-Value  Ratio of 80% or greater  that would  result if the
               Net  Mortgage  Rate  thereof  was equal to the  weighted  average
               (based on the principal  balance of the Mortgage  Loans as of the
               Relevant  Anniversary)  of the Net Mortgage Rates of all Mortgage
               Loans as of the Relevant  Anniversary less 1.25% per annum, (y) a
               number equal to the weighted average  remaining term to maturity,


                                       4
<PAGE>

               in months,  of all  Non-Primary  Residence Loans remaining in the
               Mortgage  Pool as of the Relevant  Anniversary,  and (z) one plus
               the  quotient of the number of all  Non-Primary  Residence  Loans
               remaining  in the  Mortgage  Pool  divided by the total number of
               Outstanding  Mortgage  Loans  in  the  Mortgage  Pool  as of  the
               Relevant Anniversary, and (ii) $50,000,

               over (2) the  aggregate  amount of  Bankruptcy  Losses  allocated
        solely to one or more  specific  Classes of  Certificates  in accordance
        with Section 4.05 since the Relevant Anniversary.

        The  Bankruptcy  Amount  may be further  reduced by the Master  Servicer
(including  accelerating the manner in which such coverage is reduced)  provided
that prior to any such  reduction,  the Master Servicer shall (i) obtain written
confirmation  from each Rating Agency that such  reduction  shall not reduce the
rating  assigned to any Class of  Certificates  by such Rating  Agency below the
lower of the then-current  rating or the rating assigned to such Certificates as
of the  Closing  Date by such  Rating  Agency  and (ii)  provide  a copy of such
written confirmation to the Trustee.

        Certificate:  Any Class A, Class M, Class B or Class R Certificate.

        Certificate  Account:  The  separate  account or  accounts  created  and
maintained  pursuant  to Section  4.01 of the  Standard  Terms,  which  shall be
entitled  "Deutsche Bank Trust Company  Americas,  as trustee,  in trust for the
registered holders of Residential  Accredit Loans, Inc.,  Mortgage  Asset-Backed
Pass-Through  Certificates,  Series  2002-QS18"  and which  must be an  Eligible
Account.

        Certificate Policy:  None.

        Class A  Certificate:  Any one of the Class A-1,  Class A-P or Class A-V
Certificates,  executed  by the  Trustee and  authenticated  by the  Certificate
Registrar substantially in the form annexed to the Standard Terms as Exhibit A.

        Class R Certificate: Any one of the Class R 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 the REMIC for purposes of the REMIC Provisions.

        Closing Date:  December 30, 2002.

        Commission:  The Securities and Exchange Commission.

     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 2002-QS18.

        Cut-off Date:  December 1, 2002.

                                       5
<PAGE>

     Determination  Date:  With  respect to any  Distribution  Date,  the second
Business Day prior to each Distribution Date.

        Discount Net Mortgage Rate:  5.50% per annum.

        Due Period:  With  respect to each  Distribution  Date and any  Mortgage
Loan, the period commencing on the second day of the month prior to the month in
which such  Distribution Date occurs and ending on the first day of the month in
which such Distribution Date occurs.

        Eligible Funds: On any  Distribution  Date, the portion,  if any, of the
Available  Distribution  Amount  remaining after reduction by the sum of (i) the
aggregate  amount of Accrued  Certificate  Interest on the Senior  Certificates,
(ii) the Senior  Principal  Distribution  Amount  (determined  without regard to
Section  4.02(a)(ii)(Y)(D)  hereof),  (iii) the Class A-P Principal Distribution
Amount (determined without regard to Section  4.02(b)(i)(E) hereof) and (iv) the
aggregate amount of Accrued  Certificate  Interest on the Class M, Class B-1 and
Class B-2 Certificates.

        Exchange Act:  The Securities and Exchange Act of 1934, as amended.

        Fraud Loss  Amount:  As of any date of  determination  after the Cut-off
Date, an amount equal to: (X) prior to the first anniversary of the Cut-off Date
an amount equal to 2.50% of the aggregate  outstanding  principal balance of all
of the Mortgage Loans as of the Cut-off Date minus the aggregate amount of Fraud
Losses  allocated  solely to one or more  specific  Classes of  Certificates  in
accordance with Section 4.05 of this Series Supplement since the Cut-off Date up
to such date of  determination,  (Y) from the first to, but not  including,  the
second anniversary of the Cut-off Date, an amount equal to (1) the lesser of (a)
the Fraud Loss Amount as of the most recent  anniversary of the Cut-off Date and
(b) 1.75% of the aggregate  outstanding principal balance of all of the Mortgage
Loans as of the most  recent  anniversary  of the  Cut-off  Date  minus  (2) the
aggregate  amount  of Fraud  Losses  allocated  solely  to one or more  specific
Classes of  Certificates  in accordance  with Section 4.05 since the most recent
anniversary of the Cut-off Date up to such date of  determination,  and (Z) from
the second to, but not including,  the fifth anniversary of the Cut-off Date, an
amount  equal to (1) the  lesser  of (a) the  Fraud  Loss  Amount as of the most
recent  anniversary  of  the  Cut-off  Date  and  (b)  1.00%  of  the  aggregate
outstanding principal balance of all of the Mortgage Loans as of the most recent
anniversary  of the Cut-off Date minus (2) the aggregate  amount of Fraud Losses
allocated  solely to one or more specific  Classes of Certificates in accordance
with  Section 4.05 since the most recent  anniversary  of the Cut-off Date up to
such date of  determination.  On and after the fifth  anniversary of the Cut-off
Date, the Fraud Loss Amount shall be zero.

        The Fraud  Loss  Amount may be  further  reduced by the Master  Servicer
(including  accelerating the manner in which such coverage is reduced)  provided
that prior to any such  reduction,  the Master Servicer shall (i) obtain written
confirmation  from each Rating Agency that such  reduction  shall not reduce the
rating  assigned to any Class of  Certificates  by such Rating  Agency below the
lower of the then-current  rating or the rating assigned to such Certificates as
of the  Closing  Date by such  Rating  Agency  and (ii)  provide  a copy of such
written confirmation to the Trustee.

                                       6
<PAGE>

        Initial Monthly Payment Fund: $80,282,  representing scheduled principal
amortization  and interest at the Net Mortgage Rate during the Due Period ending
on December 1, 2002,  for those Mortgage Loans for which the Trustee will not be
entitled to receive such payment.

        Initial Notional  Amount:  With respect to the Class A-V Certificates or
Subclass thereof issued pursuant to Section 5.01(c),  the aggregate Cut-off Date
Principal  Balance of the Mortgage  Loans  corresponding  to the  Uncertificated
Class A-V REMIC Regular Interests  represented by such Class or Subclass on such
date.

        Initial  Subordinate  Class  Percentage:  With  respect to each Class of
Subordinate  Certificates,  an amount  which is equal to the  initial  aggregate
Certificate Principal Balance of such Class of Subordinate  Certificates divided
by the aggregate  Stated  Principal  Balance of all the Mortgage Loans as of the
Cut-off Date as follows:

        Class M-1:  1.85%           Class B-1:  0.15%
        Class M-2:  0.20%           Class B-2:  0.10%
        Class M-3:  0.30%           Class B-3:  0.15%

        Interest  Accrual Period:  With respect to any Class of Certificates and
any  Distribution  Date,  the calendar  month  preceding the month in which such
Distribution Date occurs.

     Interest  Only  Certificates:  Any one of the Class A-V  Certificates.  The
Interest Only Certificates will have no Certificate Principal Balance.

     Maturity  Date:  December  25,  2017,  the  Distribution  Date  immediately
following the latest scheduled maturity date of any Mortgage Loan.

        Mortgage Loan Schedule: The list or lists of the Mortgage Loans attached
hereto as Exhibit One (as amended  from time to time to reflect the  addition of
Qualified  Substitute  Mortgage Loans),  which list or lists shall set forth the
following information as to each Mortgage Loan:

(i)     the Mortgage Loan identifying number ("RFC LOAN #");

(ii)    the maturity of the Mortgage Note ("MATURITY DATE");

(iii)   the Mortgage Rate ("ORIG RATE");

(iv)    the Subservicer pass-through rate ("CURR NET");

(v)     the Net Mortgage Rate ("NET MTG RT");

(vi)    the Pool Strip Rate ("STRIP");

(vii)the initial  scheduled  monthly payment of principal,  if any, and interest
     ("ORIGINAL P & I");

(viii)  the Cut-off Date Principal Balance ("PRINCIPAL BAL");

                                       7
<PAGE>

(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, with respect to any Class
A-V  Certificates or Subclass  thereof issued pursuant to Section  5.01(c),  the
aggregate  Stated Principal  Balance of the Mortgage Loans  corresponding to the
Uncertificated  Class 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 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.

With respect to the Class A-V Certificates (other than any Subclass thereof) and
any  Distribution  Date,  a rate equal to the weighted  average,  expressed as a
percentage,  of the Pool Strip Rates of all Mortgage Loans as of the Due Date in
the related Due Period, weighted on the basis of the respective Stated Principal
Balances  of such  Mortgage  Loans  as of the  day  immediately  preceding  such
Distribution  Date (or,  with respect to the initial  Distribution  Date, at the
close  of  business  on  the  Cut-off  Date).  With  respect  to the  Class  A-V
Certificates and the initial Distribution Date the Pass-Through Rate is equal to
0.2394% per annum.  With respect to any Subclass of Class A-V  Certificates  and
any  Distribution  Date,  a rate equal to the weighted  average,  expressed as a
percentage,  of the Pool Strip Rates of all Mortgage Loans  corresponding to the
Uncertificated 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 Principal
Only  Certificates  have no  Pass-Through  Rate and are not  entitled to Accrued
Certificate Interest.

        Prepayment  Assumption:   The  prepayment  assumption  to  be  used  for
determining  the  accrual of  original  issue  discount  and  premium and market
discount on the  Certificates  for federal income tax purposes,  which assumes a
constant prepayment rate of 18% per annum.

        Prepayment  Distribution  Percentage:  With respect to any  Distribution
Date  and  each  Class  of  Subordinate   Certificates,   under  the  applicable
circumstances set forth below, the respective percentages set forth below:

                                       8
<PAGE>

        (i)    For any  Distribution  Date  prior  to the  Distribution  Date in
               January 2008 (unless the  Certificate  Principal  Balances of the
               Senior Certificates (other than the Class A-P Certificates), have
               been reduced to zero), 0%.

        (ii)   For any  Distribution  Date not  discussed in clause (i) above on
               which any Class of Subordinate Certificates are outstanding:

                      (a) in the case of the Class of  Subordinate  Certificates
               then  outstanding  with the Highest Priority and each other Class
               of  Subordinate  Certificates  for which the  related  Prepayment
               Distribution Trigger has been satisfied, a fraction, expressed as
               a percentage, the numerator of which is the Certificate Principal
               Balance  of such  Class  immediately  prior to such  date and the
               denominator  of  which  is the sum of the  Certificate  Principal
               Balances  immediately  prior  to such  date of (1) the  Class  of
               Subordinate   Certificates  then  outstanding  with  the  Highest
               Priority and (2) all other  Classes of  Subordinate  Certificates
               for which the respective  Prepayment  Distribution  Triggers have
               been satisfied; and

                      (b) in  the  case  of  each  other  Class  of  Subordinate
               Certificates for which the Prepayment  Distribution Triggers have
               not been satisfied, 0%; and

     (iii)Notwithstanding  the  foregoing,  if the  application of the foregoing
          percentages  on any  Distribution  Date as provided in Section 4.02 of
          this Series  Supplement  (determined  without regard to the proviso to
          the definition of "Subordinate  Principal  Distribution Amount") would
          result in a  distribution  in  respect  of  principal  of any Class or
          Classes of  Subordinate  Certificates  in an amount  greater  than the
          remaining  Certificate  Principal  Balance  thereof (any such class, a
          "Maturing Class"), then: (a) the Prepayment Distribution Percentage of
          each Maturing Class shall be reduced to a level that,  when applied as
          described  above,  would  exactly  reduce  the  Certificate  Principal
          Balance  of  such  Class  to  zero;  (b) the  Prepayment  Distribution
          Percentage of each other Class of Subordinate  Certificates  (any such
          Class, a  "Non-Maturing  Class") shall be  recalculated  in accordance
          with the  provisions in paragraph  (ii) above,  as if the  Certificate
          Principal  Balance  of each  Maturing  Class had been  reduced to zero
          (such percentage as recalculated,  the "Recalculated Percentage"); (c)
          the total  amount of the  reductions  in the  Prepayment  Distribution
          Percentages of the Maturing Class or Classes pursuant to clause (a) of
          this  sentence,   expressed  as  an  aggregate  percentage,  shall  be
          allocated  among  the  Non-Maturing  Classes  in  proportion  to their
          respective  Recalculated  Percentages  (the portion of such  aggregate
          reduction so  allocated to any  Non-Maturing  Class,  the  "Adjustment
          Percentage");  and (d) for  purposes of such  Distribution  Date,  the
          Prepayment Distribution Percentage of each Non-Maturing Class shall be
          equal  to the  sum  of  (1)  the  Prepayment  Distribution  Percentage
          thereof,  calculated  in accordance  with the  provisions in paragraph
          (ii) above as if the  Certificate  Principal  Balance of each Maturing
          Class had not been  reduced to zero,  plus (2) the related  Adjustment
          Percentage.

        Principal Only Certificates:  Any one of the Class A-P Certificates.

                                       9
<PAGE>

        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.

        Senior  Certificate:  Any one of the  Class A  Certificates  or  Class R
Certificates,  executed  by the  Trustee and  authenticated  by the  Certificate
Registrar  substantially  in the form annexed to the Standard Terms as Exhibit A
and Exhibit D.

        Senior Percentage: As of any Distribution Date, the lesser of 100% and a
fraction,  expressed as a  percentage,  the  numerator of which is the aggregate
Certificate  Principal Balance of the Senior  Certificates (other than the Class
A-P   Certificates)   immediately  prior  to  such  Distribution  Date  and  the
denominator  of which is the aggregate  Stated  Principal  Balance of all of the
Mortgage  Loans (or related  REO  Properties)  (other than the related  Discount
Fraction of each Discount  Mortgage Loan) immediately prior to such Distribution
Date.

        Senior Principal Distribution Amount: As to any Distribution Date before
the  Credit  Support  Depletion  Date,  the  lesser  of (a) the  balance  of the
Available  Distribution  Amount  remaining after the distribution of all amounts
required  to  be  distributed   pursuant  to  Section   4.02(a)(i)  and  Section
4.02(a)(ii)(X) of this Series Supplement and (b) the sum of the amounts required
to be distributed to the Senior  Certificateholders  on such  Distribution  Date
pursuant to Sections  4.02(a)(ii)(Y),  4.02(a)(xvi)  and  4.02(a)(xvii)  of this
Series  Supplement.  As to any Distribution  Date on or after the Credit Support
Depletion  Date,  the lesser of (a) the  balance of the  Available  Distribution
Amount  remaining  after the  distribution  of (i) all  amounts  required  to be
distributed  pursuant to Section  4.02(a)(i) and (ii) the amount  required to be
distributed to the Class A-P  Certificateholders  pursuant to Section 4.02(c) of
this  Series  Supplement,  and  (b)  the  sum  of  the  amounts  required  to be
distributed to the Senior  Certificateholders on such Distribution Date pursuant
to  Sections  4.02(a)(ii)(Y),  4.02(a)(xvi)  and  4.02(a)(xvii)  of this  Series
Supplement.

        Special Hazard Amount:  As of any Distribution  Date, an amount equal to
$2,593,740  minus the sum of (i) the aggregate  amount of Special  Hazard Losses
allocated  solely to one or more specific  Classes of Certificates in accordance
with Section 4.05 of this Series  Supplement and (ii) the Adjustment  Amount (as
defined below) as most recently calculated.  For each anniversary of the Cut-off
Date, the Adjustment  Amount shall be equal to the amount,  if any, by which the
amount  calculated in accordance  with the preceding  sentence  (without  giving
effect to the deduction of the Adjustment Amount for such  anniversary)  exceeds
the  greater  of (A)  the  greater  of (i) the  product  of the  Special  Hazard
Percentage for such anniversary  multiplied by the outstanding principal balance
of all the Mortgage Loans on the Distribution  Date  immediately  preceding such
anniversary  and (ii) twice the  outstanding  principal  balance of the Mortgage
Loan with the largest outstanding  principal balance as of the Distribution Date


                                       10
<PAGE>

immediately preceding such anniversary and (B) the greater of (i) the product of
0.50% multiplied by the outstanding  principal  balance of all Mortgage Loans on
the  Distribution  Date immediately  preceding such anniversary  multiplied by a
fraction, the numerator of which is equal to the aggregate outstanding principal
balance  (as of  the  immediately  preceding  Distribution  Date)  of all of the
Mortgage  Loans  secured  by  Mortgaged  Properties  located  in  the  State  of
California  divided by the aggregate  outstanding  principal  balance (as of the
immediately preceding Distribution Date) of all of the Mortgage Loans, expressed
as a  percentage,  and the  denominator  of  which is  equal  to  28.95%  (which
percentage is equal to the percentage of Mortgage  Loans by aggregate  principal
balance  initially  secured  by  Mortgaged  Properties  located  in the State of
California)  and (ii) the  aggregate  outstanding  principal  balance (as of the
immediately preceding Distribution Date) of the largest Mortgage Loan secured by
a Mortgaged  Property  (or,  with  respect to a  Cooperative  Loan,  the related
Cooperative Apartment) located in the State of California.

        The Special Hazard Amount may be further  reduced by the Master Servicer
(including  accelerating the manner in which coverage is reduced)  provided that
prior to any such  reduction,  the  Master  Servicer  shall (i)  obtain  written
confirmation  from each Rating Agency that such  reduction  shall not reduce the
rating  assigned to any Class of  Certificates  by such Rating  Agency below the
lower of the then-current  rating or the rating assigned to such Certificates as
of the  Closing  Date by such  Rating  Agency  and (ii)  provide  a copy of such
written confirmation to the Trustee.

        Special Hazard  Percentage:  As of each anniversary of the Cut-off Date,
the greater of (i) 1.0% and (ii) the largest percentage obtained by dividing the
aggregate   outstanding   principal   balance  (as  of   immediately   preceding
Distribution Date) of the Mortgage Loans secured by Mortgaged Properties located
in a  single,  five-digit  zip  code  area in the  State  of  California  by the
outstanding  principal  balance of all the Mortgage Loans as of the  immediately
preceding Distribution Date.

        Subordinate   Principal   Distribution   Amount:  With  respect  to  any
Distribution Date and each Class of Subordinate Certificates, (a) the sum of (i)
the product of (x) the related  Subordinate  Class Percentage for such Class and
(y) the  aggregate  of the  amounts  calculated  (without  giving  effect to the
related Senior  Percentages) for such  Distribution  Date under clauses (1), (2)
and (3) of Section 4.02(a)(ii)(Y)(A); (ii) such Class's pro rata share, based on
the Certificate Principal Balance of each Class of Subordinate Certificates then
outstanding,    of   the    principal    collections    described   in   Section
4.02(a)(ii)(Y)(B)(b)   (without   giving   effect  to  the  Senior   Accelerated
Distribution  Percentage)  to the  extent  such  collections  are not  otherwise
distributed  to the Senior  Certificates;  (iii) the  product of (x) the related
Prepayment  Distribution  Percentage  and (y)  the  aggregate  of all  Principal
Prepayments in Full received in the related  Prepayment  Period and Curtailments
received in the  preceding  calendar  month  (other  than the  related  Discount
Fraction of such Principal  Prepayments in Full and Curtailments with respect to
a Discount Mortgage Loan) to the extent not payable to the Senior  Certificates;
(iv) if such Class is the Class of  Subordinate  Certificates  with the  Highest
Priority,  any Excess  Subordinate  Principal Amount for such Distribution Date;
and (v) any amounts  described in clauses (i), (ii) and (iii) as determined  for
any previous  Distribution  Date, that remain  undistributed  to the extent that
such amounts are not  attributable  to Realized Losses which have been allocated
to a Class of  Subordinate  Certificates  minus (b) with respect to the Class of
Subordinate  Certificates  with the  Lowest  Priority,  any  Excess  Subordinate
Principal  Amount  for  such  Distribution  Date;  provided,  however,  that the
Subordinate   Principal   Distribution  Amount  for  any  Class  of  Subordinate
Certificates on any  Distribution  Date shall in no event exceed the outstanding
Certificate Principal Balance of such Class of Certificates immediately prior to
such date.

                                       11
<PAGE>

        Uncertificated Class A-V REMIC Regular Interests or Uncertificated REMIC
Regular Interests: Each of the 1,611 uncertificated partial undivided beneficial
ownership  interests in the Trust Fund,  numbered  sequentially from 1 to 1,611,
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.

     Underwriters:  Salomon Smith Barney Inc. and Residential Funding Securities
Corporation.

Section 1.02...Use of Words and Phrases.

        "Herein," "hereby," "hereunder," "hereof," "hereinbefore," "hereinafter"
and other  equivalent  words refer to the Pooling and  Servicing  Agreement as a
whole. All references herein to Articles, Sections or Subsections shall mean the
corresponding  Articles,  Sections and  Subsections in the Pooling and Servicing
Agreement.  The  definitions  set forth herein include both the singular and the
plural.


                                       12
<PAGE>


                                   ARTICLE II


                          CONVEYANCE OF MORTGAGE LOANS;

                        ORIGINAL ISSUANCE OF CERTIFICATES

     Section  2.01...Conveyance  of Mortgage  Loans.  (See  Section  2.01 of the
          Standard Terms)

     Section 2.02.  Acceptance  by Trustee.  (See  Section  2.02 of the Standard
          Terms)

     Section 2.03.  Representations,  Warranties  and  Covenants  of the  Master
          Servicer and the Company.

(a) For  representations,  warranties and covenants of the Master Servicer,  see
Section 2.03(a) of the Standard Terms.

(b) The Company hereby represents and warrants to the Trustee for the benefit of
Certificateholders  that as of the  Closing  Date (or,  if  otherwise  specified
below, as of the date so specified):

(i)     No Mortgage  Loan is 30 or more days  Delinquent in payment of principal
        and  interest  as of the Cut-off  Date and no Mortgage  Loan has been so
        Delinquent  more than once in the  12-month  period prior to the Cut-off
        Date;

(ii)    The  information  set forth in Exhibit One hereto  with  respect to each
        Mortgage  Loan or the  Mortgage  Loans,  as the case may be, is true and
        correct in all material  respects at the date or dates  respecting which
        such information is furnished;

(iii)   The Mortgage Loans are fully-amortizing,  fixed-rate mortgage loans with
        level  Monthly  Payments due, with respect to a majority of the Mortgage
        Loans,  on the  first  day of each  month,  and  terms  to  maturity  at
        origination or modification of not more than 15 years;

(iv) To the best of the Company's knowledge, except with respect to one Mortgage
     Loan,  representing  approximately  0.04% of the  principal  balance of the
     Mortgage Loans at origination, if a Mortgage Loan is secured by a Mortgaged
     Property with a  Loan-to-Value  Ratio at origination in excess of 80%, such
     Mortgage Loan is the subject of a Primary Insurance Policy that insures (a)
     at least  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;

                                       13
<PAGE>

(vi)    No more than 0.7% of the Mortgage  Loans by aggregate  Stated  Principal
        Balance  as of the  Cut-off  Date are  secured by  Mortgaged  Properties
        located in any one zip code area in California  and no more than 0.4% of
        the  Mortgage  Loans by  aggregate  Stated  Principal  Balance as of the
        Cut-off Date are secured by Mortgaged  Properties located in any one zip
        code area outside California;

(vii)   The improvements upon the Mortgaged  Properties are insured against loss
        by fire and other  hazards as required by the Program  Guide,  including
        flood  insurance if required under the National  Flood  Insurance Act of
        1968, as amended.  The Mortgage  requires the Mortgagor to maintain such
        casualty  insurance at the Mortgagor's  expense,  and on the Mortgagor's
        failure to do so,  authorizes  the holder of the  Mortgage to obtain and
        maintain  such  insurance  at  the  Mortgagor's   expense  and  to  seek
        reimbursement therefor from the Mortgagor;

(viii)  Immediately  prior  to the  assignment  of  the  Mortgage  Loans  to the
        Trustee,  the Company had good title to, and was the sole owner of, each
        Mortgage  Loan  free  and  clear of any  pledge,  lien,  encumbrance  or
        security   interest   (other  than  rights  to  servicing   and  related
        compensation)  and such assignment  validly  transfers  ownership of the
        Mortgage  Loans to the  Trustee  free and  clear  of any  pledge,  lien,
        encumbrance or security interest;

(ix)    Approximately 63.36% of the Mortgage Loans by aggregate Stated Principal
        Balance as of the Cut-off  Date were  underwritten  under a reduced loan
        documentation  program,  approximately  17.82% of the Mortgage  Loans by
        aggregate  Stated  Principal   Balance  as  of  the  Cut-off  Date  were
        underwritten under a no-stated income program,  and approximately  2.12%
        of the Mortgage Loans by aggregate  Stated  Principal  Balance as of the
        Cut-off Date were underwritten under a no income/no asset program;

(x)     Except with respect to  approximately  15.37% of the  Mortgage  Loans by
        aggregate Stated Principal Balance as of the Cut-off Date, the Mortgagor
        represented in its loan application with respect to the related Mortgage
        Loan that the Mortgaged Property would be owner-occupied;

(xi)    None of the Mortgage Loans is a Buy-Down Mortgage Loan;

(xii)   Each  Mortgage  Loan  constitutes  a qualified  mortgage  under  Section
        860G(a)(3)(A)   of   the   Code   and   Treasury   Regulations   Section
        1.860G-2(a)(1);

(xiii)  A policy of title  insurance  was  effective  as of the  closing of each
        Mortgage  Loan and is valid and  binding  and  remains in full force and
        effect, unless the Mortgaged Properties are located in the State of Iowa
        and an  attorney's  certificate  has been  provided as  described in the
        Program Guide;

(xiv)   None of the  Mortgage  Loans is a  Cooperative  Loan;  with respect to a
        Mortgage Loan that is a Cooperative  Loan, the Cooperative Stock that is
        pledged  as  security  for the  Mortgage  Loan is held by a person  as a
        tenant-stockholder  (as  defined  in  Section  216  of  the  Code)  in a
        cooperative housing corporation (as defined in Section 216 of the Code);

                                       14
<PAGE>

(xv) With  respect  to each  Mortgage  Loan  originated  under  a  "streamlined"
     Mortgage  Loan  program  (through  which no new or  updated  appraisals  of
     Mortgaged  Properties  are  obtained  in  connection  with the  refinancing
     thereof),  the related Seller has represented  that either (a) the value of
     the  related  Mortgaged  Property  as of the  date  the  Mortgage  Loan was
     originated  was not less than the  appraised  value of such property at the
     time  of  origination   of  the   refinanced   Mortgage  Loan  or  (b)  the
     Loan-to-Value  Ratio of the Mortgage Loan as of the date of  origination of
     the Mortgage Loan generally meets the Company's underwriting guidelines;

(xvi)Interest  on each  Mortgage  Loan is  calculated  on the basis of a 360-day
     year consisting of twelve 30-day months;

(xvii) None of the  Mortgage  Loans  contains  in the  related  Mortgage  File a
     Destroyed Mortgage Note;

(xviii) None  of the  Mortgage  Loans  will  have  been  made  to  International
     Borrowers;

(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


                                       15
<PAGE>

is continuing shall constitute the sole remedy  respecting such breach available
to the  Certificateholders  or the Trustee on behalf of the  Certificateholders.
Notwithstanding  the  foregoing,  the  Company  shall  not be  required  to cure
breaches  or  purchase  or  substitute  for  Mortgage  Loans as provided in this
Section  2.03(b) if the  substance of the breach of a  representation  set forth
above also constitutes fraud in the origination of the Mortgage Loan.

Section 2.04.  Representations  and Warranties of Sellers.  (See Section 2.04 of
     the Standard Terms)

Section  2.05.   Execution  and  Authentication  of   Certificates/Issuance   of
     Certificates.

        The Trustee  acknowledges the assignment to it of the Mortgage Loans and
the  delivery  of the  Mortgage  Files to it, or any  Custodian  on its  behalf,
subject to any exceptions noted, together with the assignment to it of all other
assets included in the Trust Fund and/or the applicable REMIC,  receipt of which
is  hereby  acknowledged.  Concurrently  with  such  delivery  and  in  exchange
therefor,  the Trustee,  pursuant to the written request of the Company executed
by an officer of the Company,  has executed and caused to be  authenticated  and
delivered  to or upon the order of the Company the  Certificates  in  authorized
denominations that evidence ownership of the Trust Fund.

Section 2.06.  [Reserved].

Section 2.07.  [Reserved].

Section 2.08.  Purposes  and  Powers  of the  Trust.  (See  Section  2.08 of the
     Standard Terms)

                                       16
<PAGE>

                                  ARTICLE III

                          ADMINISTRATION AND SERVICING

                                OF MORTGAGE LOANS

                     (SEE ARTICLE III OF THE STANDARD TERMS)



                                       17
<PAGE>

                                   ARTICLE IV

                         PAYMENTS TO CERTIFICATEHOLDERS

Section 4.01.  Certificate Account.  (See Section 4.01 of the Standard Terms)

Section 4.02.  Distributions.

(a) On each  Distribution  Date (x) the Master Servicer on behalf of the Trustee
or (y) the Paying Agent appointed by the Trustee, shall distribute to the Master
Servicer,  in the case of a distribution pursuant to Section 4.02(a)(iii) below,
the amount  required to be distributed to the Master  Servicer or a Sub-Servicer
pursuant to Section 4.02(a)(iii) below, and to each  Certificateholder of record
on the next  preceding  Record Date  (other  than as  provided  in Section  9.01
respecting the final  distribution)  either in immediately  available  funds (by
wire transfer or otherwise) to the account of such  Certificateholder  at a bank
or   other   entity   having   appropriate    facilities   therefor,   if   such
Certificateholder  has so notified the Master  Servicer or the Paying Agent,  as
the case may be, or, if such  Certificateholder  has not so notified  the Master
Servicer  or the  Paying  Agent by the  Record  Date,  by check  mailed  to such
Certificateholder  at the address of such Holder  appearing  in the  Certificate
Register  such  Certificateholder's  share (which share (A) with respect to each
Class of Certificates  (other than any Subclass of the Class A-V  Certificates),
shall be based on the  aggregate  of the  Percentage  Interests  represented  by
Certificates of the applicable  Class held by such Holder or (B) with respect to
any  Subclass  of the Class A-V  Certificates,  shall be equal to the amount (if
any)  distributed  pursuant  to  Section  4.02(a)(i)  below to each  Holder of a
Subclass thereof) of the following  amounts,  in the following order of priority
(subject to the provisions of Section 4.02(b),  (c) and (e) below), in each case
to the extent of the Available Distribution Amount remaining:

               (i)  to  the  Senior  Certificates  (other  than  the  Class  A-P
        Certificates), on a pro rata basis based on Accrued Certificate Interest
        payable on such  Certificates  with respect to such  Distribution  Date,
        Accrued  Certificate  Interest  on  such  Classes  of  Certificates  (or
        Subclasses, if any, with respect to the Class A-V Certificates) for such
        Distribution  Date,  plus  any  Accrued  Certificate   Interest  thereon
        remaining unpaid from any previous  Distribution Date except as provided
        in the last paragraph of this Section 4.02(a); and

               (ii) (X) to the Class A-P  Certificates,  the Class A-P Principal
        Distribution  Amount  (applied  to  reduce  the  Certificate   Principal
        Balances of such Senior Certificates); and

                      (Y) to the Senior  Certificates  (other than the Class A-P
        Certificates),  in the  priorities  and  amounts  set  forth in  Section
        4.02(b)  and  (c),  the sum of the  following  (applied  to  reduce  the
        Certificate   Principal  Balances  of  such  Senior   Certificates,   as
        applicable):

(A) the  Senior  Percentage  for such  Distribution  Date  times  the sum of the
following:

     (1)  the principal  portion of each Monthly  Payment due during the related
          Due Period on each  Outstanding  Mortgage Loan (other than the related


                                       18
<PAGE>

          Discount  Fraction  of the  principal  portion  of such  payment  with
          respect to a Discount  Mortgage  Loan),  whether or not received on or
          prior to the related  Determination  Date, minus the principal portion
          of any  Debt  Service  Reduction  (other  than  the  related  Discount
          Fraction of the principal portion of such Debt Service Reductions with
          respect to each  Discount  Mortgage  Loan) which  together  with other
          Bankruptcy Losses exceeds the Bankruptcy Amount;

     (2)  the Stated Principal  Balance of any Mortgage Loan repurchased  during
          the preceding calendar month (or deemed to have been so repurchased in
          accordance with Section 3.07(b))  pursuant to Section 2.02, 2.03, 2.04
          or 4.07 and the amount of any  shortfall  deposited  in the  Custodial
          Account in connection with the substitution of a Deleted Mortgage Loan
          pursuant to Section 2.03 or 2.04 during the preceding  calendar  month
          (other than the  related  Discount  Fraction of such Stated  Principal
          Balance or shortfall with respect to each Discount Mortgage Loan); and

     (3)  the principal portion of all other unscheduled collections (other than
          Principal Prepayments in Full and Curtailments and amounts received in
          connection  with a Cash  Liquidation or REO  Disposition of a Mortgage
          Loan described in Section 4.02(a)(ii)(Y)(B) of this Series Supplement,
          including without limitation Insurance Proceeds,  Liquidation Proceeds
          and REO Proceeds),  including Subsequent  Recoveries,  received during
          the  preceding  calendar  month (or deemed to have been so received in
          accordance  with Section  3.07(b) of the Standard Terms) to the extent
          applied by the Master  Servicer  as  recoveries  of  principal  of the
          related  Mortgage Loan pursuant to Section 3.14 of the Standard  Terms
          (other than the related Discount  Fraction of the principal portion of
          such unscheduled  collections,  with respect to each Discount Mortgage
          Loan);

     (B) with respect to each  Mortgage Loan for which a Cash  Liquidation  or a
REO Disposition  occurred during the preceding  calendar month (or was deemed to
have  occurred  during such period in  accordance  with  Section  3.07(b) of the
Standard  Terms) and did not result in any Excess Special Hazard Losses,  Excess
Fraud Losses,  Excess Bankruptcy Losses or Extraordinary Losses, an amount equal
to the lesser of (a) the Senior  Percentage for such Distribution Date times the
Stated Principal  Balance of such Mortgage Loan (other than the related Discount
Fraction  of such  Stated  Principal  Balance,  with  respect  to each  Discount
Mortgage Loan) and (b) the Senior Accelerated  Distribution  Percentage for such
Distribution Date times the related unscheduled  collections  (including without
limitation  Insurance  Proceeds,  Liquidation  Proceeds and REO Proceeds) to the
extent applied by the Master  Servicer as recoveries of principal of the related
Mortgage Loan pursuant to Section 3.14 of the Standard Terms (in each case other
than the portion of such  unscheduled  collections,  with  respect to a Discount
Mortgage Loan, included in Section 4.02(b)(i)(C) of this Series Supplement);

                                       19
<PAGE>

     (C) the Senior  Accelerated  Distribution  Percentage for such Distribution
Date times the  aggregate of all Principal  Prepayments  in Full received in the
related  Prepayment Period and Curtailments  received in the preceding  calendar
month (other than the related Discount Fraction of such Principal Prepayments in
Full and Curtailments, with respect to each Discount Mortgage Loan);

(D)     any Excess Subordinate Principal Amount for such Distribution Date; and

     (E) any amounts described in subsection  (ii)(Y),  clauses (A), (B) and (C)
of this Section 4.02(a), as determined for any previous Distribution Date, which
remain unpaid after application of amounts  previously  distributed  pursuant to
this clause (E) to the extent that such amounts are not attributable to Realized
Losses which have been allocated to the Subordinate Certificates;

               (iii) if the  Certificate  Principal  Balances of the Subordinate
        Certificates  have not been reduced to zero, to the Master Servicer or a
        Sub-Servicer,  by remitting for deposit to the Custodial Account, to the
        extent of and in reimbursement for any Advances or Sub-Servicer Advances
        previously  made with respect to any Mortgage Loan or REO Property which
        remain  unreimbursed in whole or in part following the Cash  Liquidation
        or REO Disposition of such Mortgage Loan or REO Property, minus any such
        Advances that were made with respect to  delinquencies  that  ultimately
        constituted  Excess Special Hazard Losses,  Excess Fraud Losses,  Excess
        Bankruptcy Losses or Extraordinary Losses;

               (iv) to the  Holders of the Class M-1  Certificates,  the Accrued
        Certificate  Interest  thereon  for  such  Distribution  Date,  plus any
        Accrued Certificate  Interest thereon remaining unpaid from any previous
        Distribution Date, except as provided below;

               (v) to the Holders of the Class M-1 Certificates, an amount equal
        to (x) the Subordinate  Principal  Distribution Amount for such Class of
        Certificates  for such  Distribution  Date,  minus (y) the amount of any
        Class A-P Collection  Shortfalls for such Distribution Date or remaining
        unpaid for all previous  Distribution  Dates,  to the extent the amounts
        available pursuant to clause (x) of Sections  4.02(a)(vii),  (ix), (xi),
        (xiii),  (xiv)  and  (xv) of this  Series  Supplement  are  insufficient
        therefor,  applied in reduction of the Certificate  Principal Balance of
        the Class M-1 Certificates;

               (vi) to the  Holders of the Class M-2  Certificates,  the Accrued
        Certificate  Interest  thereon  for  such  Distribution  Date,  plus any
        Accrued Certificate  Interest thereon remaining unpaid from any previous
        Distribution Date, except as provided below;

               (vii) to the  Holders  of the Class M-2  Certificates,  an amount
        equal to (x) the  Subordinate  Principal  Distribution  Amount  for such
        Class of Certificates for such  Distribution  Date, minus (y) the amount
        of any Class A-P  Collection  Shortfalls for such  Distribution  Date or
        remaining unpaid for all previous  Distribution Dates, to the extent the
        amounts available pursuant to clause (x) of Sections 4.02(a) (ix), (xi),


                                       20
<PAGE>

        (xiii), (xiv) and (xv) are insufficient  therefor,  applied in reduction
        of the Certificate Principal Balance of the Class M-2 Certificates;

               (viii) to the Holders of the Class M-3 Certificates,  the Accrued
        Certificate  Interest  thereon  for  such  Distribution  Date,  plus any
        Accrued Certificate  Interest thereon remaining unpaid from any previous
        Distribution Date, except as provided below;

               (ix) to the  Holders  of the  Class M-3  Certificates,  an amount
        equal to (x) the  Subordinate  Principal  Distribution  Amount  for such
        Class of Certificates for such Distribution Date minus (y) the amount of
        any  Class  A-P  Collection  Shortfalls  for such  Distribution  Date or
        remaining unpaid for all previous  Distribution Dates, to the extent the
        amounts  available  pursuant  to  clause  (x) of  Sections  4.02(a)(xi),
        (xiii), (xiv) and (xv) are insufficient  therefor,  applied in reduction
        of the Certificate Principal Balance of the Class M-3 Certificates;

               (x) to the  Holders of the Class B-1  Certificates,  the  Accrued
        Certificate  Interest  thereon  for  such  Distribution  Date,  plus any
        Accrued Certificate  Interest thereon remaining unpaid from any previous
        Distribution Date, except as provided below;

               (xi) to the  Holders  of the  Class B-1  Certificates,  an amount
        equal to (x) the  Subordinate  Principal  Distribution  Amount  for such
        Class of Certificates for such Distribution Date minus (y) the amount of
        any  Class  A-P  Collection  Shortfalls  for such  Distribution  Date or
        remaining unpaid for all previous  Distribution Dates, to the extent the
        amounts  available  pursuant  to clause (x) of  Sections  4.02(a)(xiii),
        (xiv) and (xv) are  insufficient  therefor,  applied in reduction of the
        Certificate Principal Balance of the Class B-1 Certificates;

               (xii) to the Holders of the Class B-2  Certificates,  the Accrued
        Certificate  Interest  thereon  for  such  Distribution  Date,  plus any
        Accrued Certificate  Interest thereon remaining unpaid from any previous
        Distribution Date, except as provided below;

               (xiii) to the  Holders of the Class B-2  Certificates,  an amount
        equal to (x) the  Subordinate  Principal  Distribution  Amount  for such
        Class of Certificates for such Distribution Date minus (y) the amount of
        any  Class  A-P  Collection  Shortfalls  for such  Distribution  Date or
        remaining unpaid for all previous  Distribution Dates, to the extent the
        amounts  available  pursuant to clause (x) of Sections  4.02(a)(xiv) and
        (xv) are insufficient therefor,  applied in reduction of the Certificate
        Principal Balance of the Class B-2 Certificates;

               (xiv) to the  Holders  of the Class B-3  Certificates,  an amount
        equal  to  (x)  the  Accrued  Certificate   Interest  thereon  for  such
        Distribution  Date,  plus  any  Accrued  Certificate   Interest  thereon
        remaining unpaid from any previous Distribution Date, except as provided
        below,  minus (y) the amount of any Class A-P Collection  Shortfalls for
        such Distribution Date or remaining unpaid for all previous Distribution
        Dates,  to the extent the  amounts  available  pursuant to clause (x) of
        Section 4.02(a) (xv) are insufficient therefor;

                                       21
<PAGE>

               (xv) to the  Holders  of the  Class B-3  Certificates,  an amount
        equal to (x) the  Subordinate  Principal  Distribution  Amount  for such
        Class of Certificates for such Distribution Date minus (y) the amount of
        any  Class  A-P  Collection  Shortfalls  for such  Distribution  Date or
        remaining  unpaid  for  all  previous   Distribution  Dates  applied  in
        reduction  of  the  Certificate  Principal  Balance  of  the  Class  B-3
        Certificates;

               (xvi)  to  the  Senior  Certificates,  on a  pro  rata  basis  in
        accordance  with  their  respective  outstanding  Certificate  Principal
        Balances,  the portion,  if any, of the  Available  Distribution  Amount
        remaining  after the  foregoing  distributions,  applied  to reduce  the
        Certificate  Principal Balances of such Senior  Certificates,  but in no
        event more than the aggregate of the outstanding  Certificate  Principal
        Balances of each such Class of Senior Certificates,  and thereafter,  to
        each Class of Subordinate  Certificates then outstanding  beginning with
        such Class  with the  Highest  Priority,  any  portion of the  Available
        Distribution  Amount remaining after the Senior  Certificates  have been
        retired,  applied to reduce the  Certificate  Principal  Balance of each
        such Class of  Subordinate  Certificates,  but in no event more than the
        outstanding   Certificate  Principal  Balance  of  each  such  Class  of
        Subordinate Certificates; and

          (xvii)  to the  Class R  Certificates,  the  balance,  if any,  of the
     Available Distribution Amount.

        Notwithstanding the foregoing, on any Distribution Date, with respect to
the Class of Subordinate Certificates outstanding on such Distribution Date with
the Lowest Priority, or in the event the Subordinate  Certificates are no longer
outstanding,  the Senior  Certificates,  Accrued  Certificate  Interest  thereon
remaining unpaid from any previous  Distribution Date will be distributable only
to the extent that such unpaid Accrued Certificate  Interest was attributable to
interest  shortfalls  relating to the failure of the Master Servicer to make any
required Advance,  or the determination by the Master Servicer that any proposed
Advance would be a  Nonrecoverable  Advance with respect to the related Mortgage
Loan where such Mortgage Loan has not yet been the subject of a Cash Liquidation
or REO Disposition or the related Liquidation  Proceeds,  Insurance Proceeds and
REO Proceeds have not yet been distributed to the Certificateholders.

(b)  Distributions of principal on the Senior  Certificates on each Distribution
Date  occurring  prior to the  Credit  Support  Depletion  Date  will be made as
follows:

(i)     first, to the Class A-P  Certificates,  until the Certificate  Principal
        Balance  thereof is reduced to zero, an amount (the "Class A-P Principal
        Distribution Amount") equal to the aggregate of:

     (A)  the related Discount Fraction of the principal portion of each Monthly
          Payment on each  Discount  Mortgage  Loan due during the  related  Due
          Period,   whether  or  not   received  on  or  prior  to  the  related
          Determination  Date,  minus the  Discount  Fraction  of the  principal
          portion of any related  Debt Service  Reduction  which  together  with
          other Bankruptcy Losses exceeds the Bankruptcy Amount;

                                       22
<PAGE>

     (B)  the  related  Discount  Fraction  of  the  principal  portion  of  all
          unscheduled collections on each Discount Mortgage Loan received during
          the preceding calendar month or, in the case of Principal  Prepayments
          in Full,  during the related  Prepayment  Period  (other than  amounts
          received in connection with a Cash Liquidation or REO Disposition of a
          Discount  Mortgage  Loan  described  in clause (C)  below),  including
          Principal Prepayments in Full, Curtailments, Subsequent Recoveries and
          repurchases (including deemed repurchases under Section 3.07(b) of the
          Standard  Terms) of  Discount  Mortgage  Loans  (or,  in the case of a
          substitution of a Deleted Mortgage Loan, the Discount  Fraction of the
          amount  of  any  shortfall  deposited  in  the  Custodial  Account  in
          connection with such substitution);

     (C)  in  connection  with  the Cash  Liquidation  or REO  Disposition  of a
          Discount  Mortgage  Loan  that did not  result in any  Excess  Special
          Hazard  Losses,  Excess  Fraud  Losses,  Excess  Bankruptcy  Losses or
          Extraordinary  Losses,  an  amount  equal  to the  lesser  of (1)  the
          applicable  Discount  Fraction of the Stated Principal Balance of such
          Discount Mortgage Loan immediately prior to such Distribution Date and
          (2) the aggregate  amount of the  collections on such Mortgage Loan to
          the extent applied as recoveries of principal;

     (D)  any amounts allocable to principal for any previous  Distribution Date
          (calculated  pursuant  to clauses  (A)  through (C) above) that remain
          undistributed; and

     (E)  the  amount  of  any  Class  A-P   Collection   Shortfalls   for  such
          Distribution   Date  and  the  amount  of  any  Class  A-P  Collection
          Shortfalls  remaining unpaid for all previous  Distribution Dates, but
          only to the extent of the Eligible Funds for such  Distribution  Date;
          and

(ii)    second, the Senior Principal Distribution Amount shall be distributed in
        the following manner and priority:

     (A)  first,  to the Class R Certificates  until the  Certificate  Principal
          Balance thereof has been reduced to zero; and

     (B)  second, the Senior Principal  Distribution  Amount remaining after the
          payments of principal made in accordance  with Section  4.02(b)(ii)(A)
          above,  shall be distributed to the Class A-1 Certificates,  until the
          Certificate Principal Balance thereof has been reduced to zero.

(c) On or after the Credit Support  Depletion  Date, all priorities  relating to
distributions  as  described  in Section  4.02(b)  above in respect of principal
among the  various  classes  of Senior  Certificates  (other  than the Class A-P
Certificates)  will be  disregarded,  and (i) an  amount  equal to the  Discount
Fraction  of  the  principal  portion  of  scheduled  payments  and  unscheduled
collections  received or advanced in respect of the Discount Mortgage Loans will
be  distributed  to the  Class  A-P  Certificates,  (ii)  the  Senior  Principal


                                       23
<PAGE>

Distribution  Amount will be  distributed to the remaining  Senior  Certificates
(other  than the Class  A-P  Certificates)  pro rata in  accordance  with  their
respective  outstanding  Certificate Principal Balances and (iii) the amount set
forth in Section 4.02(a)(i) will be distributed as set forth therein.

(d) After the  reduction  of the  Certificate  Principal  Balances of the Senior
Certificates  (other than the Class A-P  Certificates)  to zero but prior to the
Credit Support Depletion Date, the Senior Certificates (other than the Class A-P
Certificates) will be entitled to no further  distributions of principal thereon
and the Available  Distribution Amount will be paid solely to the holders of the
Class A-P,  Class A-V and  Subordinate  Certificates,  in each case as described
herein.

(e) In addition to the foregoing  distributions,  with respect to any Subsequent
Recoveries,  the Master  Servicer  shall  deposit such funds into the  Custodial
Account  pursuant to Section  3.07(b)(iii).  If,  after taking into account such
Subsequent  Recoveries,  the amount of a Realized Loss is reduced, the amount of
such Subsequent Recoveries will be applied to increase the Certificate Principal
Balance of the Class of Subordinate  Certificates  with a Certificate  Principal
Balance  greater than zero with the highest  payment  priority to which Realized
Losses, other than Excess Bankruptcy Losses, Excess Fraud Losses, Excess Special
Hazard Losses and  Extraordinary  Losses,  have been allocated,  but not by more
than the  amount  of  Realized  Losses  previously  allocated  to that  Class of
Certificates  pursuant to Section 4.05.  The amount of any remaining  Subsequent
Recoveries  will be  applied to  increase  from zero the  Certificate  Principal
Balance of the Class of Certificates with the next lower payment priority, up to
the amount of Realized Losses previously allocated to that Class of Certificates
pursuant to Section 4.05. Any remaining  Subsequent  Recoveries  will in turn be
applied to increase from zero the Certificate  Principal Balance of the Class of
Certificates  with the next lower payment  priority up to the amount of Realized
Losses  previously  allocated to that Class of Certificates  pursuant to Section
4.05,  and so on.  Holders  of such  Certificates  will not be  entitled  to any
payment  in  respect  of  Accrued  Certificate  Interest  on the  amount of such
increases for any Interest  Accrual Period preceding the Interest Accrual Period
that relates to the Distribution  Date on which such increase  occurs.  Any such
increases  shall  be  applied  to the  Certificate  Principal  Balance  of  each
Certificate of such Class in accordance with its respective Percentage Interest.

(f) Each distribution with respect to a Book-Entry  Certificate shall be paid to
the  Depository,   as  Holder  thereof,  and  the  Depository  shall  be  solely
responsible for crediting the amount of such distribution to the accounts of its
Depository   Participants  in  accordance  with  its  normal  procedures.   Each
Depository  Participant shall be responsible for disbursing such distribution to
the  Certificate  Owners that it represents  and to each indirect  participating
brokerage firm (a "brokerage  firm") for which it acts as agent.  Each brokerage
firm shall be responsible for disbursing funds to the Certificate Owners that it
represents.  None of the Trustee, the Certificate Registrar,  the Company or the
Master Servicer shall have any responsibility therefor.

(g) Except as  otherwise  provided  in  Section  9.01,  if the  Master  Servicer
anticipates that a final  distribution with respect to any Class of Certificates
will be made on the next Distribution  Date, the Master Servicer shall, no later
than the Determination Date in the month of such final distribution,  notify the


                                       24
<PAGE>

Trustee and the Trustee  shall,  no later than two (2) Business  Days after such
Determination  Date,  mail  on  such  date  to each  Holder  of  such  Class  of
Certificates a notice to the effect that: (i) the Trustee  anticipates  that the
final  distribution  with respect to such Class of Certificates  will be made on
such  Distribution  Date  but  only  upon  presentation  and  surrender  of such
Certificates at the office of the Trustee or as otherwise specified therein, and
(ii) no interest shall accrue on such Certificates from and after the end of the
related Interest Accrual Period. In the event that  Certificateholders  required
to surrender  their  Certificates  pursuant to Section  9.01(c) do not surrender
their  Certificates  for final  cancellation,  the  Trustee  shall  cause  funds
distributable  with  respect  to such  Certificates  to be  withdrawn  from  the
Certificate Account and credited to a separate escrow account for the benefit of
such Certificateholders as provided in Section 9.01(d).

Section 4.03.  Statements to Certificateholders; Exchange Act Reporting.

        (a)  Concurrently  with each  distribution  charged  to the  Certificate
Account and with respect to each  Distribution  Date the Master  Servicer  shall
forward to the  Trustee  and the Trustee  shall  either  forward by 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  Exhibit  Three  attached  hereto,
including 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.

        (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
Exhibit Three hereto  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


                                       25
<PAGE>

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 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 this 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  Five  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 Six. 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.  (See  Section  4.04 of the Standard
          Terms)

     Section 4.05. Allocation of Realized Losses.

        Prior to each Distribution Date, the Master Servicer shall determine the
total  amount  of  Realized  Losses,   if  any,  that  resulted  from  any  Cash
Liquidation, Servicing Modification, Debt Service Reduction, Deficient Valuation
or REO Disposition that occurred during the related Prepayment Period or, in the
case of a Servicing  Modification  that  constitutes a reduction of the interest
rate on a Mortgage Loan, the amount of the reduction in the interest  portion of
the  Monthly  Payment  due during the  related  Due  Period.  The amount of each
Realized  Loss shall be  evidenced  by an  Officers'  Certificate.  All Realized
Losses, other than Excess Special Hazard Losses,  Extraordinary  Losses,  Excess
Bankruptcy Losses or Excess Fraud Losses, shall be allocated as follows:  first,
to the Class B-3 Certificates,  until the Certificate  Principal Balance thereof
has been  reduced  to zero;  second,  to the  Class B-2  Certificates  until the
Certificate  Principal  Balance thereof has been reduced to zero;  third, to the
Class B-1 Certificates until the Certificate  Principal Balance thereof has been
reduced to zero;  fourth,  to the Class M-3  Certificates  until the Certificate


                                       26
<PAGE>

Principal  Balance  thereof has been  reduced to zero;  fifth,  to the Class M-2
Certificates until the Certificate Principal Balance thereof has been reduced to
zero;  sixth,  to the Class M-1  Certificates  until the  Certificate  Principal
Balance thereof has been reduced to zero; and, thereafter,  if any such Realized
Losses are on a Discount  Mortgage  Loan,  to the Class A-P  Certificates  in an
amount equal to the Discount Fraction of the principal portion thereof,  and the
remainder of such Realized Losses on the Discount  Mortgage Loans and the entire
amount of such Realized Losses on Non-Discount  Mortgage Loans will be allocated
among all Senior  Certificates  (other than the Class A-P Certificates) on a pro
rata basis,  as described  below.  The principal  portion of any Excess  Special
Hazard Losses,  Excess Bankruptcy Losses,  Excess Fraud Losses and Extraordinary
Losses  on  Discount   Mortgage  Loans  will  be  allocated  to  the  Class  A-P
Certificates  in an  amount  equal  to the  Discount  Fraction  thereof  and the
remainder of the principal  portion of such Realized Losses on Discount Mortgage
Loans and the entire amount of such  Realized  Losses on  Non-Discount  Mortgage
Loans will be allocated among the Senior  Certificates (other than the Class A-P
Certificates)  and Subordinate  Certificates,  on a pro rata basis, as described
below.  The  interest  portion  of any  Excess  Special  Hazard  Losses,  Excess
Bankruptcy  Losses,  Excess  Fraud  Losses  and  Extraordinary  Losses  will  be
allocated to all the Certificates on a pro rata basis.

        As used herein,  an  allocation of a Realized Loss on a "pro rata basis"
among two or more specified Classes of Certificates means an allocation on a pro
rata  basis,  among the  various  Classes  so  specified,  to each such Class of
Certificates,  on the  basis of their  then  outstanding  Certificate  Principal
Balances prior to giving effect to distributions to be made on such Distribution
Date in the case of the  principal  portion of a  Realized  Loss or based on the
Accrued Certificate  Interest thereon payable on such Distribution Date (without
regard to any Compensating  Interest for such Distribution  Date) in the case of
an interest  portion of a Realized  Loss.  Except as  provided in the  following
sentence, any allocation of the principal portion of Realized Losses (other than
Debt Service  Reductions) to a Class of  Certificates  shall be made by reducing
the  Certificate  Principal  Balance  thereof by the amount so allocated,  which
allocation  shall be deemed to have  occurred  on such  Distribution  Date.  Any
allocation of the principal  portion of Realized Losses (other than Debt Service
Reductions) to the Subordinate  Certificates  then  outstanding  with the Lowest
Priority shall be made by operation of the definition of "Certificate  Principal
Balance" and by operation of the provisions of Section  4.02(a).  Allocations of
the  interest  portions of Realized  Losses 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 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.

                                       27
<PAGE>

     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)


                                       28
<PAGE>


                                   ARTICLE V


                                THE CERTIFICATES


        Section 5.01. The Certificates. (See Section 5.01 of the Standard Terms)

        Section 5.02. Registration of Transfer and Exchange of Certificates.
        (a) - (e)(i). (See Section 5.02(a) - (e)(i) of the Standard Terms)

     (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.

       (e)(iii) - (h). (See Section 5.02(e)(iii) - (h) of the Standard Terms)


     Section 5.03.  Mutilated,  Destroyed,  Lost or  Stolen  Certificates.  (See
          Section 5.03 of the Standard Terms)

     Section 5.04.  Persons  Deemed  Owners.  (See  Section 5.04 of the Standard
          Terms)

     Section  5.05.  Appointment  of  Paying  Agent.  (See  Section  5.05 of the
          Standard Terms)


                                       29
<PAGE>


                                   ARTICLE VI

                       THE COMPANY AND THE MASTER SERVICER

                     (SEE ARTICLE VI OF THE STANDARD TERMS)

                                       30
<PAGE>

                                  ARTICLE VII
                                     DEFAULT

                     (SEE ARTICLE VII OF THE STANDARD TERMS)

                                       31
<PAGE>

                                  ARTICLE VIII
                             CONCERNING THE TRUSTEE

                    (SEE ARTICLE VIII OF THE STANDARD TERMS)



                                       32
<PAGE>

                                   ARTICLE IX
                                   TERMINATION

                     (SEE ARTICLE IX OF THE STANDARD TERMS)


                                       33
<PAGE>


                                   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 REMIC.

        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 but  excluding  the Initial
Monthly Payment Fund) as a REMIC for federal income tax purposes.

        The Class A-1,  Class A-P,  Class M-1,  Class M-2, Class M-3, Class B-1,
Class B-2 and  Class B-3  Certificates  and the  Uncertificated  Class A-V REMIC
Regular  Interests,  the rights in and to which will be represented by the Class
A-V  Certificates,  will be "regular  interests"  in the REMIC,  and the Class R
Certificates will be the sole class of "residual interests" therein for purposes
of the REMIC Provisions (as defined herein) under federal income tax law. On and
after the date of issuance of any Subclass of Class A-V Certificates pursuant to
Section 5.01(c),  any such Subclass will represent the Uncertificated  Class A-V
REMIC Regular Interest or Interests specified by the initial Holder of the Class
A-V Certificates pursuant to said Section.

Section 10.04..[Reserved]

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.

                                       34
<PAGE>

                                   ARTICLE XI

                            MISCELLANEOUS PROVISIONS

Section 11.01..Amendment.  (See Section 11.01 of the Standard Terms)

Section 11.02..Recordation of Agreement; Counterparts. (See Section 11.02 of the
     Standard Terms)

Section 11.03..Limitation on Rights of Certificateholders. (See Section 11.03 of
     the Standard Terms)

Section 11.04..Governing Laws.  (See Section 11.04 of the Standard Terms)

Section  11.05..Notices.  All demands and notices  hereunder shall be in writing
and shall be deemed to have been duly given if personally delivered at or mailed
by registered  mail,  postage  prepaid  (except for notices to the Trustee which
shall be deemed to have been duly given only when received),  to the appropriate
address  for each  recipient  listed in the table  below or, in each case,  such
other address as may  hereafter be furnished in writing to the Master  Servicer,
the Trustee and the Company, as applicable:

            RECIPIENT                                         ADDRESS

Company                         8400 Normandale Lake Boulevard
                                Suite 250, Minneapolis, Minnesota  55437,
                                Attention: President

Master Servicer                 2255 N. Ontario Street, Suite 400
                                Burbank, California 91504-2130,
                                Attention:  Managing Director/Master Servicing

Trustee                         Corporate Trust Office
                                1761 East St. Andrew Place
                                Santa Ana, California 92705-4934,
                                Attention:  Residential Accredit Loans, Inc.
                                Series 2002-QS18

                                The Trustee designates its offices located at
                                c/o DTC Transfer  Services,  55 Water Street,
                                Jeanette Street Park Entrance,  New York, New
                                York 10041,  for the purposes of Section 8.12
                                of the Standard Terms

Fitch Ratings                   One State Street Plaza
                                New York, New York 10004

Moody's Investors Service, Inc. 99 Church Street, 4th Floor
                                New York, New York 10004


Any notice  required or permitted to be mailed to a  Certificateholder  shall be
given by first class  mail,  postage  prepaid,  at the address of such holder as
shown  in the  Certificate  Register.  Any  notice  so  mailed  within  the time
prescribed in this Agreement  shall be  conclusively  presumed to have been duly
given, whether or not the Certificateholder receives such notice....

                                       35
<PAGE>

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.

               98% of all of the Voting Rights shall be allocated  among Holders
of  Certificates,  other  than  the  Interest  Only  Certificates  and  Class  R
Certificates, in proportion to the outstanding Certificate Principal Balances of
their respective Certificates;  1% of all Voting Rights shall be allocated among
the Holders of the Class A-V  Certificates,  in accordance with their respective
Percentage  Interests;  and 1% of all Voting Rights shall be allocated among the
Holders  of the  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.


                                       36
<PAGE>



        IN WITNESS  WHEREOF,  the Company,  the Master  Servicer and the Trustee
have  caused  their  names to be  signed  hereto  by their  respective  officers
thereunto  duly  authorized and their  respective  seals,  duly attested,  to be
hereunto affixed, all as of the day and year first above written.



                                       RESIDENTIAL ACCREDIT LOANS, INC.
[Seal]


                                            By: //s// Joseph Orning
                                                --------------------------------
                                                 Name:   Joseph Orning
                                                 Title:  Vice President

Attest: //s// Julie Steinhagen
        -------------------------------------
      Name:   Julie Steinhagen
      Title:  Vice President


                                       RESIDENTIAL FUNDING CORPORATION
[Seal]


                                            By://s// Julie Steinhagen
                                               ---------------------------------
                                                 Name:  Julie Steinhagen
                                                 Title: Director

Attest://s// Lisa Lundsten
       -----------------------------
      Name: Lisa Lundsten
      Title: Managing Director

                                DEUTSCHE BANK TRUST COMPANY AMERICAS, as Trustee
[Seal]



                                            By: //s// Ronaldo Reyes
                                                --------------------------------
                                                 Name: Ronaldo Reyes
                                                 Title:   Associate


                                            By: //s// James F. Noriega
                                               ---------------------------------
                                                 Name: James F. Noriega
                                                 Title:   Associate


Attest://s// Barbara Campbell
       -------------------------------------
      Name: Barbara Campbell
      Title:  Assistant Secretary

<PAGE>


STATE OF MINNESOTA
                                  )
                                  ) ss.:
COUNTY OF HENNEPIN                )
               On 30th day of December,  2002 before me, a notary  public in and
for said State,  personally  appeared  Joseph  Orning,  known to me to be a Vice
President of Residential  Accredit  Loans,  Inc., one of the  corporations  that
executed  the  within  instrument,  and also  known to me to be the  person  who
executed  it on behalf of said  corporation,  and  acknowledged  to me that such
corporation executed the within instrument.

               IN WITNESS  WHEREOF,  I have  hereunto set my hand and affixed my
official seal the day and year in this certificate first above written.

                                                   //s// Brian S. Bangerter
                                                   ----------------------------
                                                          Notary Public


[Notarial Seal]


<PAGE>


STATE OF MINNESOTA
                                  )
                                  ) ss.:
COUNTY OF HENNEPIN                )
               On the 30th day of December,  2002 before me, a notary  public in
and for said State,  personally  appeared Julie Steinhagen,  known to me to be a
Director  of  Residential  Funding  Corporation,  one of the  corporations  that
executed  the  within  instrument,  and also  known to me to be the  person  who
executed  it on behalf of said  corporation,  and  acknowledged  to me that such
corporation executed the within instrument.

               IN WITNESS  WHEREOF,  I have  hereunto set my hand and affixed my
official seal the day and year in this certificate first above written.

                                                   //s// Brian S. Bangerter
                                                   -----------------------------
                                                          Notary Public


[Notarial Seal]


<PAGE>


STATE OF CALIFORNIA
                                  )
                                  ) ss.:
COUNTY OF ORANGE                  )
               On the 30th day of December,  2002 before me, a notary  public in
and for said State,  personally  appeared  Ronaldo  Reyes,  known to me to be an
Associate  of  Deutsche  Bank  Trust  Company  Americas,  the New  York  banking
corporation that executed the within instrument,  and also known to me to be the
person who executed it on behalf of said banking corporation and acknowledged to
me that such banking corporation executed the within instrument.

               IN WITNESS  WHEREOF,  I have  hereunto set my hand and affixed my
official seal the day and year in this certificate first, above written.


                                                   //s// Brent Wayne Hoyler
                                                   -----------------------------
                                                          Notary Public

[Notarial Seal]



STATE OF CALIFORNIA               )
                                  ) ss.:
COUNTY OF ORANGE                  )
               On the 30th day of December,  2002 before me, a notary  public in
and for said State,  personally appeared James F. Noriega,  known to me to be an
Associate  of  Deutsche  Bank  Trust  Company  Americas,  the New  York  banking
corporation that executed the within instrument,  and also known to me to be the
person who executed it on behalf of said banking corporation and acknowledged to
me that such banking corporation executed the within instrument.

               IN WITNESS  WHEREOF,  I have  hereunto set my hand and affixed my
official seal the day and year in this certificate first above written.

                                                   //s// Brent Wayne Hoyler
                                                   -----------------------------
                                                          Notary Public

[Notarial Seal]







<PAGE>


                                   EXHIBIT ONE

                             MORTGAGE LOAN SCHEDULE

  RUN ON     : 12/23/02           RFC DISCLOSURE SYSTEM       RFFSDFIX-01
  AT         : 12.58.31           FIXED PASSTHRU REPORT       AMORTIZED BALANCE
  SERIES     : RALI 2002-QS18                                 CUTOFF : 12/01/02
  POOL       : 0004647
             :
             :
  POOL STATUS: F

    RFC LOAN NUMBER                      SUB SERV FEE
    PRINCIPAL BALANCE                    MSTR SERV FEE
    CURR NOTE RATE                       ALL EXP
    RFC NET RATE                         MISC EXP
    NET MTG RATE(INVSTR RATE)            SPREAD
    POST STRIP RATE                      STRIP
  --------------------------------------------------------------------------

      3997330                              .2500
       29,819.29                          .0800
            9.2500                         .0000
            9.0000                         .0000
            8.9200                         .0000
            5.5000                        3.4200

      7071619                              .2500
       56,012.06                          .0800
            6.2500                         .0000
            6.0000                         .0000
            5.9200                         .0000
            5.5000                         .4200

      7071625                              .2500
       87,272.94                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            5.5000                         .6700

      7083229                              .2500
      102,043.06                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            5.5000                         .9200

      7128249                              .2500
       72,073.62                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            5.5000                        1.0450

      7219273                              .2500
       35,332.82                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            5.5000                        2.0450
1



      7349259                              .2500
      100,298.59                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            5.5000                        1.0450

      7474767                              .2500
       87,850.84                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            5.5000                         .6700

      7475409                              .2500
       53,802.53                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            5.5000                        1.5450

      7634488                              .2500
       58,256.00                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            5.5000                        1.1700

      7667985                              .2500
      424,697.10                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            5.5000                         .5450

      7698871                              .2500
       40,245.32                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            5.5000                        1.6700

      7708489                              .2500
      126,220.99                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            5.5000                         .7950

      7721987                              .2500
       76,289.73                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            5.5000                        1.0450
1



      7748359                              .2500
       56,348.60                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            5.5000                        1.0450

      7759473                              .2500
      249,997.24                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            5.5000                         .9200

      7775829                              .2500
      167,537.70                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            5.5000                         .5450

      7795517                              .2500
       41,357.78                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            5.5000                        1.6700

      7795697                              .2500
       70,775.61                          .0800
            6.2500                         .0000
            6.0000                         .0000
            5.9200                         .0000
            5.5000                         .4200

      7803649                              .2500
       48,098.08                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            5.5000                        1.6700

      7812173                              .2500
       48,579.03                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            5.5000                        1.4200

      7814415                              .2500
      125,823.28                          .0800
            6.2500                         .0000
            6.0000                         .0000
            5.9200                         .0000
            5.5000                         .4200
1



      7815791                              .2500
      376,689.50                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            5.5000                         .7950

      7821641                              .2500
      108,206.69                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            5.5000                         .9200

      7829941                              .2500
      102,249.90                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            5.5000                         .5450

      7838340                              .2500
      100,137.17                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            5.5000                         .9200

      7856923                              .2500
       44,355.27                          .0800
            8.2500                         .0000
            8.0000                         .0000
            7.9200                         .0000
            5.5000                        2.4200

      7857539                              .2500
       88,200.17                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            5.5000                         .7950

      7871013                              .2500
      408,302.64                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            5.5000                         .6700

      7877937                              .2500
       93,665.76                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            5.5000                         .9200
1



      7878779                              .2500
       59,144.14                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            5.5000                         .5450

      7883853                              .2500
       97,283.54                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            5.5000                        1.1700

      7883855                              .2500
      344,110.23                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            5.5000                         .5450

      7903295                              .2500
       35,556.24                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            5.5000                        1.5450

      7916825                              .2500
       86,842.95                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            5.5000                         .5450

      7924115                              .2500
      379,939.24                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            5.5000                         .7950

      7931199                              .2500
       46,532.96                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            5.5000                         .6700

      7936433                              .2500
       55,814.16                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            5.5000                        1.4200
1



      7936451                              .2500
       57,910.71                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            5.5000                        1.1700

      7936459                              .2500
       48,930.26                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            5.5000                         .7950

      7936475                              .2500
       46,615.09                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            5.5000                        1.5450

      7936563                              .2500
       93,525.98                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            5.5000                        1.5450

      7936577                              .2500
       58,897.86                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            5.5000                        1.1700

      7936583                              .2500
       45,234.04                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            5.5000                         .6700

      7945095                              .2500
      178,346.71                          .0800
            6.2500                         .0000
            6.0000                         .0000
            5.9200                         .0000
            5.5000                         .4200

      7948453                              .2500
      206,914.13                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            5.5000                         .6700
1



      7949641                              .2500
      419,161.74                          .0800
            6.2500                         .0000
            6.0000                         .0000
            5.9200                         .0000
            5.5000                         .4200

      7958105                              .2500
      120,800.58                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            5.5000                         .7950

      7963185                              .2500
      125,101.55                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            5.5000                         .9200

      7964189                              .2500
       45,112.66                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            5.5000                        1.0450

      7964205                              .2500
       77,159.33                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            5.5000                         .5450

      7964221                              .2500
      230,982.63                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            5.5000                         .6700

      7964227                              .2500
       98,685.49                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            5.5000                         .7950

      7964231                              .2500
      161,281.43                          .0800
            6.2500                         .0000
            6.0000                         .0000
            5.9200                         .0000
            5.5000                         .4200
1



      7965731                              .2500
       97,973.63                          .0800
            6.0000                         .0000
            5.7500                         .0000
            5.6700                         .0000
            5.5000                         .1700

      7965869                              .2500
       47,507.60                          .0800
            6.1250                         .0000
            5.8750                         .0000
            5.7950                         .0000
            5.5000                         .2950

      7967579                              .2500
       55,232.07                          .0800
            6.1250                         .0000
            5.8750                         .0000
            5.7950                         .0000
            5.5000                         .2950

      7976811                              .2500
      163,462.72                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            5.5000                        1.4200

      7980813                              .2500
       65,559.51                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            5.5000                         .9200

      7983293                              .2500
      150,440.71                          .0800
            6.1250                         .0000
            5.8750                         .0000
            5.7950                         .0000
            5.5000                         .2950

      7984111                              .2500
      197,926.54                          .0800
            6.0000                         .0000
            5.7500                         .0000
            5.6700                         .0000
            5.5000                         .1700

      7984123                              .2500
      103,152.83                          .0800
            6.0000                         .0000
            5.7500                         .0000
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            5.0950                         .0000
            5.0950                         .0000

      8239321                              .2500
       97,300.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8240301                              .2500
      348,500.00                          .0800
            6.0000                         .0000
            5.7500                         .0000
            5.6700                         .0000
            5.5000                         .1700

      8240341                              .2500
      200,000.00                          .0300
            5.6250                         .0000
            5.3750                         .0000
            5.3450                         .0000
            5.3450                         .0000

      8240371                              .2500
       87,395.21                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8241185                              .2500
       65,000.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8241579                              .2500
       55,800.00                          .0800
            6.2500                         .0000
            6.0000                         .0000
            5.9200                         .0000
            5.5000                         .4200
1



      8242011                              .2500
      344,000.00                          .0800
            6.0000                         .0000
            5.7500                         .0000
            5.6700                         .0000
            5.5000                         .1700

      8242531                              .2500
       63,000.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8242767                              .2500
      177,000.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8242837                              .2500
      109,000.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8242839                              .2500
       91,500.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8242871                              .2500
      480,000.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8242901                              .2500
      148,000.00                          .0800
            6.2500                         .0000
            6.0000                         .0000
            5.9200                         .0000
            5.5000                         .4200

      8243097                              .2500
       80,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            5.5000                         .6700
1



      8243135                              .2500
      164,350.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8243155                              .2500
       95,000.00                          .0300
            5.6250                         .0000
            5.3750                         .0000
            5.3450                         .0000
            5.3450                         .0000

      8243157                              .2500
       56,700.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            5.5000                        1.0450

      8243163                              .2500
       66,250.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            5.5000                         .6700

      8243185                              .2500
      136,500.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8243187                              .2500
       87,500.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            5.5000                         .6700

      8243193                              .2500
      112,500.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8243195                              .2500
      125,000.00                          .0300
            5.7500                         .0000
            5.5000                         .0000
            5.4700                         .0000
            5.4700                         .0000
1



      8243209                              .2500
      621,000.00                          .0800
            6.1250                         .0000
            5.8750                         .0000
            5.7950                         .0000
            5.5000                         .2950

      8243251                              .2500
      110,000.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8243263                              .2500
      121,500.00                          .0300
            5.7500                         .0000
            5.5000                         .0000
            5.4700                         .0000
            5.4700                         .0000

      8243285                              .2500
       77,500.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8243297                              .2500
      184,000.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8243365                              .2500
       95,200.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            5.5000                         .9200

      8243415                              .2500
       44,100.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            5.5000                         .7950

      8243603                              .2500
      102,000.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450
1



      8244483                              .2500
       91,300.00                          .0300
            5.7500                         .0000
            5.5000                         .0000
            5.4700                         .0000
            5.4700                         .0000

      8244495                              .2500
       48,600.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            5.5000                         .5450

      8244753                              .2500
       85,400.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8244771                              .2500
       74,350.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8244797                              .2500
       69,000.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            5.5000                         .7950

      8244843                              .2500
       68,000.00                          .0300
            5.7500                         .0000
            5.5000                         .0000
            5.4700                         .0000
            5.4700                         .0000

      8244927                              .2500
      139,500.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            5.5000                         .9200

      8244963                              .2500
      237,000.00                          .0800
            6.0000                         .0000
            5.7500                         .0000
            5.6700                         .0000
            5.5000                         .1700
1



      8245455                              .2500
      114,596.07                          .0300
            5.7500                         .0000
            5.5000                         .0000
            5.4700                         .0000
            5.4700                         .0000

      8245467                              .2500
      379,986.10                          .0800
            6.1250                         .0000
            5.8750                         .0000
            5.7950                         .0000
            5.5000                         .2950

      8245667                              .2500
       91,500.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8248975                              .2500
       65,600.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8248977                              .2500
       58,300.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8249191                              .2500
      100,000.00                          .0800
            6.2500                         .0000
            6.0000                         .0000
            5.9200                         .0000
            5.5000                         .4200

      8249215                              .2500
      165,000.00                          .0300
            5.7500                         .0000
            5.5000                         .0000
            5.4700                         .0000
            5.4700                         .0000

      8249285                              .2500
      177,600.00                          .0300
            5.6250                         .0000
            5.3750                         .0000
            5.3450                         .0000
            5.3450                         .0000
1



      8249309                              .2500
      187,500.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8249317                              .2500
      160,000.00                          .0300
            5.7500                         .0000
            5.5000                         .0000
            5.4700                         .0000
            5.4700                         .0000

      8249329                              .2500
       56,000.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8249339                              .2500
      119,600.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8249341                              .2500
       98,400.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8249401                              .2500
       71,300.00                          .0300
            5.3750                         .0000
            5.1250                         .0000
            5.0950                         .0000
            5.0950                         .0000

      8249473                              .2500
      148,000.00                          .0300
            5.5000                         .0000
            5.2500                         .0000
            5.2200                         .0000
            5.2200                         .0000

      8249503                              .2500
      155,000.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450
1



      8249505                              .2500
       60,000.00                          .0300
            5.7500                         .0000
            5.5000                         .0000
            5.4700                         .0000
            5.4700                         .0000

      8249557                              .2500
      251,700.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8249659                              .2500
       30,650.00                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            5.5000                        1.1700

      8250075                              .2500
      221,000.00                          .0300
            5.5000                         .0000
            5.2500                         .0000
            5.2200                         .0000
            5.2200                         .0000

      8250217                              .2500
       63,318.00                          .0300
            5.7500                         .0000
            5.5000                         .0000
            5.4700                         .0000
            5.4700                         .0000

      8250643                              .2500
      127,000.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8250993                              .2500
       51,000.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8253725                              .2500
      105,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            5.5000                         .6700
1



      8253735                              .2500
       40,000.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            5.5000                         .9200

      8253875                              .2500
       66,500.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            5.5000                         .5450

      8253877                              .2500
       98,100.00                          .0800
            6.0000                         .0000
            5.7500                         .0000
            5.6700                         .0000
            5.5000                         .1700

      8253923                              .2500
       93,500.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            5.5000                         .5450

      8253925                              .2500
       72,000.00                          .0300
            5.5000                         .0000
            5.2500                         .0000
            5.2200                         .0000
            5.2200                         .0000

      8254133                              .2500
       74,000.00                          .0300
            5.7500                         .0000
            5.5000                         .0000
            5.4700                         .0000
            5.4700                         .0000

      8255373                              .2500
       93,800.00                          .0300
            5.3750                         .0000
            5.1250                         .0000
            5.0950                         .0000
            5.0950                         .0000

      8255439                              .2500
      118,000.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            5.5000                         .9200
1



      8255445                              .2500
       61,200.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            5.5000                        1.0450

      8255615                              .2500
      216,000.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8255717                              .2500
       91,500.00                          .0300
            5.7500                         .0000
            5.5000                         .0000
            5.4700                         .0000
            5.4700                         .0000

      8256465                              .2500
       58,100.00                          .0800
            6.1250                         .0000
            5.8750                         .0000
            5.7950                         .0000
            5.5000                         .2950

      8256477                              .2500
      118,600.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8256483                              .2500
       98,800.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8256635                              .2500
       82,000.00                          .0800
            6.0000                         .0000
            5.7500                         .0000
            5.6700                         .0000
            5.5000                         .1700

      8256739                              .2500
      193,000.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450
1



      8256783                              .2500
      496,000.00                          .0300
            5.6250                         .0000
            5.3750                         .0000
            5.3450                         .0000
            5.3450                         .0000

      8257033                              .2500
       77,000.00                          .0800
            6.2500                         .0000
            6.0000                         .0000
            5.9200                         .0000
            5.5000                         .4200

      8257469                              .2500
      130,400.00                          .0300
            5.3750                         .0000
            5.1250                         .0000
            5.0950                         .0000
            5.0950                         .0000

      8257535                              .2500
      481,500.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8259349                              .2500
      138,500.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8259379                              .2500
       42,500.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            5.5000                         .9200

      8260370                              .2500
       62,372.07                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            5.5000                        1.5450

      8260394                              .2500
       88,951.10                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            5.5000                        1.9200
1



      8262693                              .2500
       95,000.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8262815                              .2500
       90,000.00                          .0300
            5.5000                         .0000
            5.2500                         .0000
            5.2200                         .0000
            5.2200                         .0000

      8262917                              .2500
      131,200.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            5.5000                         .9200

      8266745                              .2500
      350,000.00                          .0300
            5.7500                         .0000
            5.5000                         .0000
            5.4700                         .0000
            5.4700                         .0000

      8266787                              .2500
      100,000.00                          .0800
            6.2500                         .0000
            6.0000                         .0000
            5.9200                         .0000
            5.5000                         .4200

      8266813                              .2500
      252,000.00                          .0800
            6.1250                         .0000
            5.8750                         .0000
            5.7950                         .0000
            5.5000                         .2950

      8268053                              .2500
       61,500.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8269415                              .2500
      300,000.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450
1



      8269477                              .2500
      445,000.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8269765                              .2500
      434,500.00                          .0800
            6.1250                         .0000
            5.8750                         .0000
            5.7950                         .0000
            5.5000                         .2950

      8270833                              .2500
      255,000.00                          .0800
            6.2500                         .0000
            6.0000                         .0000
            5.9200                         .0000
            5.5000                         .4200

      8271015                              .2500
      212,800.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8271423                              .2500
      200,000.00                          .0800
            6.2500                         .0000
            6.0000                         .0000
            5.9200                         .0000
            5.5000                         .4200

      8271467                              .2500
       92,000.00                          .0300
            5.5000                         .0000
            5.2500                         .0000
            5.2200                         .0000
            5.2200                         .0000

      8271673                              .2500
      120,000.00                          .0800
            6.2500                         .0000
            6.0000                         .0000
            5.9200                         .0000
            5.5000                         .4200

      8273019                              .2500
      160,000.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450
1



      8273099                              .2500
       88,900.00                          .0800
            6.0000                         .0000
            5.7500                         .0000
            5.6700                         .0000
            5.5000                         .1700

      8273145                              .2500
      650,000.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8274157                              .2500
      300,000.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8274589                              .2500
       83,700.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8274691                              .2500
      100,000.00                          .0300
            5.5000                         .0000
            5.2500                         .0000
            5.2200                         .0000
            5.2200                         .0000

      8276631                              .2500
      282,000.00                          .0300
            5.7500                         .0000
            5.5000                         .0000
            5.4700                         .0000
            5.4700                         .0000

      8305762                              .2500
       37,506.42                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            5.5000                        1.4200

      8321540                              .2500
      224,971.02                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            5.5000                         .6700
1



      8325986                              .2500
      592,628.11                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8329998                              .2500
      163,423.96                          .0300
            5.7500                         .0000
            5.5000                         .0000
            5.4700                         .0000
            5.4700                         .0000

      8330230                              .2500
      369,477.29                          .0800
            6.2500                         .0000
            6.0000                         .0000
            5.9200                         .0000
            5.5000                         .4200

      8331368                              .2500
      348,770.64                          .0300
            5.7500                         .0000
            5.5000                         .0000
            5.4700                         .0000
            5.4700                         .0000

      8331776                              .2500
      647,741.02                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8331902                              .2500
       99,624.91                          .0800
            6.0000                         .0000
            5.7500                         .0000
            5.6700                         .0000
            5.5000                         .1700

      8333658                              .2500
      283,033.81                          .0800
            6.1250                         .0000
            5.8750                         .0000
            5.7950                         .0000
            5.5000                         .2950

      8334984                              .2500
       93,453.17                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            5.5000                        1.0450
1



      8335264                              .2500
      368,686.57                          .0300
            5.6250                         .0000
            5.3750                         .0000
            5.3450                         .0000
            5.3450                         .0000

      8336404                              .2500
      476,000.00                          .0800
            5.8750                         .0000
            5.6250                         .0000
            5.5450                         .0000
            5.5000                         .0450

      8337922                              .2500
      124,000.00                          .0800
            6.0000                         .0000
            5.7500                         .0000
            5.6700                         .0000
            5.5000                         .1700

      8338468                              .2500
      637,500.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            5.5000                         .5450

      8338884                              .2500
       73,000.00                          .0800
            6.0000                         .0000
            5.7500                         .0000
            5.6700                         .0000
            5.5000                         .1700

  TOTAL NUMBER OF LOANS:     1611
  TOTAL BALANCE........:        259,374,017.35


  RUN ON     : 12/23/02            RFC DISCLOSURE SYSTEM      RFFSDFIX-01
  AT         : 12.58.31            INITIAL SECURITY FEES      AMORTIZED BALANCE
  SERIES     : RALI 2002-QS18       FIXED SUMMARY REPORT      CUTOFF : 12/01/02
  POOL       : 0004647
             :
             :
  POOL STATUS: F

                                   WEIGHTED AVERAGES      FROM         TO
  ----------------------------------------------------------------------------
  CURR NOTE RATE                        6.0228            5.2500      9.2500
  RFC NET RATE                          5.7701            5.0000      9.0000
  NET MTG RATE(INVSTR RATE)             5.7039            4.9700      8.9200
  POST STRIP RATE                       5.4645            4.9700      5.5000
  SUB SERV FEE                           .2527             .2500       .7500
  MSTR SERV FEE                          .0662             .0300        .0800
  ALL EXP                                .0000             .0000       .0000
  MISC EXP                               .0000             .0000       .0000
  SPREAD                                 .0000             .0000       .0000
  STRIP                                  .2394             .0000      3.4200







  TOTAL NUMBER OF LOANS:  1611
  TOTAL BALANCE........:     259,374,017.35


                             ***************************
                             *      END OF REPORT      *
                             ***************************
  RUN ON     : 12/23/02           RFC DISCLOSURE SYSTEM       RFFSD177-01
  AT         : 12.58.31          FIXED RATE LOAN LISTING      AMORTIZED BALANCE
  SERIES     : RALI 2002-QS18                                 CUTOFF : 12/01/02
  POOL       : 0004647
             :
             :
  POOL STATUS: F

  RFC LOAN #     S/S CODE          PMT TYPE      ORIGINAL BAL     LOAN FEATURE
                                   ORIG TERM     PRINCIPAL BAL    # OF UNITS
  ORIG RATE                                      ORIGINAL P+I     LTV
  CURR NET                                       CURRENT P+I
  CITY           STATE  ZIP        LOAN PURP     NOTE DATE        MI CO CODE
  SERVICER LOAN #                  PROP TYPE     1ST PMT DATE     MI CVG
  SELLER LOAN #                    OCCP CODE     MATURITY DATE
  INVESTOR LOAN #
  ______________________________________________________________________________


    3997330          E22/G02             F           32,000.00         ZZ
                                         180         29,819.29          1
                                       9.250            329.34         85
                                       9.000            329.34
    KANSAS CITY      MO   64128          5            11/08/00         04
    0412222333                           05           01/01/01         12
    0412222333                           O            12/01/15
    0


    7071619          196/G02             F           57,800.00         ZZ
                                         180         56,012.06          1
                                       6.250            495.60         68
                                       6.000            495.60
    SHARON HILL      PA   19079          2            02/08/02         00
    0433851052                           05           04/01/02          0
    1490212                              O            03/01/17
    0


    7071625          196/G02             F           90,000.00         ZZ
                                         180         87,272.94          1
                                       6.500            784.00         60
                                       6.250            784.00
    NORTH HIGHLANDS  CA   95660          2            02/22/02         00
    0433928553                           05           04/01/02          0
    1493513                              O            03/01/17
    0


    7083229          E22/G02             F          104,800.00         ZZ
                                         180        102,043.06          1
                                       6.750            927.39         80
                                       6.500            927.39
    NOTTINGHAM       MD   21236          1            03/22/02         00
    0413811290                           05           05/01/02          0
1


    0413811290                           O            04/01/17
    0


    7128249          E22/G02             F           74,000.00         ZZ
                                         180         72,073.62          1
                                       6.875            659.97         80
                                       6.625            659.97
    ALLYN            WA   98524          1            03/20/02         00
    0413753138                           05           05/01/02          0
    0413753138                           O            04/01/17
    0


    7219273          E22/G02             F           37,000.00         ZZ
                                         120         35,332.82          1
                                       7.875            446.47         68
                                       7.625            446.47
    BAKERSFIELD      CA   93308          5            03/22/02         00
    0413834185                           05           05/01/02          0
    0413834185                           O            04/01/12
    0


    7349259          286/286             F          104,000.00         ZZ
                                         180        100,298.59          1
                                       6.875            927.53         80
                                       6.625            927.53
    COMPTON AREA     CA   90222          5            01/17/02         00
    0715076                              05           03/01/02          0
    715076                               O            02/01/17
    0


    7474767          E22/G02             F           90,000.00         ZZ
                                         180         87,850.84          2
                                       6.500            784.00         79
                                       6.250            784.00
    MIAMI            FL   33147          2            04/09/02         00
    0413705674                           05           06/01/02          0
    0413705674                           O            05/01/17
    0


    7475409          E82/G02             F           55,000.00         ZZ
                                         180         53,802.53          1
                                       7.375            505.96         70
                                       7.125            505.96
    JERSEY           GA   30018          5            04/12/02         00
    0400606786                           05           06/01/02          0
    0400606786                           O            05/01/17
    0


1


    7634488          W02/G02             F           60,000.00         ZZ
                                         180         58,256.00          1
                                       7.000            539.30         76
                                       6.750            539.30
    JACKSONVILLE     FL   32218          5            02/04/02         00
    0433704962                           05           04/01/02          0
    1000796904                           O            03/01/17
    0


    7667985          F28/G02             F          435,000.00         ZZ
                                         180        424,697.10          1
                                       6.375          3,759.49         84
                                       6.125          3,759.49
    BROADVIEW HEIGH  OH   44147          2            04/09/02         10
    0433979606                           05           06/01/02          6
    1371688                              O            05/01/17
    0


    7698871          E22/G02             F           41,000.00         ZZ
                                         180         40,245.32          1
                                       7.500            380.08        100
                                       7.250            380.08
    ALAMO            TN   38001          2            05/10/02         10
    0414073874                           05           07/01/02         30
    0414073874                           O            06/01/17
    0


    7708489          E82/G02             F          128,800.00         ZZ
                                         180        126,220.99          1
                                       6.625          1,130.86         72
                                       6.375          1,130.86
    DETROIT          MI   48235          2            05/17/02         00
    0400633392                           05           07/01/02          0
    4002428                              O            06/01/17
    0


    7721987          E22/G02             F           77,800.00         ZZ
                                         180         76,289.73          1
                                       6.875            693.86         71
                                       6.625            693.86
    OMAHA            NE   68117          2            05/21/02         00
    0414059352                           05           07/01/02          0
    0414059352                           O            06/01/17
    0


    7748359          E22/G02             F           57,600.00         ZZ
                                         180         56,348.60          1
                                       6.875            513.71         80
                                       6.625            513.71
1


    BALTIMORE        MD   21211          5            06/04/02         00
    0414136952                           07           07/01/02          0
    0414136952                           N            06/01/17
    0


    7759473          E22/G02             F          255,000.00         ZZ
                                         180        249,997.24          1
                                       6.750          2,256.52         74
                                       6.500          2,256.52
    FORT WORTH       TX   76135          5            06/03/02         00
    0414186015                           03           07/01/02          0
    0414186015                           O            06/01/17
    0


    7775829          964/G02             F          171,000.00         ZZ
                                         180        167,537.70          1
                                       6.375          1,477.87         53
                                       6.125          1,477.87
    INDIAN WELLS     CA   92210          1            05/30/02         00
    0434136487                           03           07/01/02          0
    212257                               O            06/01/17
    0


    7795517          E22/G02             F           42,000.00         ZZ
                                         180         41,357.78          1
                                       7.500            389.35         88
                                       7.250            389.35
    MEMPHIS          TN   38108          2            06/20/02         10
    0414296491                           05           08/01/02         20
    0414296491                           N            07/01/17
    0


    7795697          E82/G02             F           72,000.00         ZZ
                                         180         70,775.61          1
                                       6.250            617.34         61
                                       6.000            617.34
    SACRAMENTO       CA   95815          5            06/17/02         00
    0400629440                           05           08/01/02          0
    0400629440                           O            07/01/17
    0


    7803649          W02/G02             F           49,000.00         ZZ
                                         180         48,098.08          1
                                       7.500            454.24         95
                                       7.250            454.24
    COCOA            FL   32922          5            05/30/02         12
    0434205241                           05           07/01/02         25
    1001142289                           O            06/01/17
    0
1




    7812173          Q87/G02             F           49,350.00         ZZ
                                         180         48,579.03          1
                                       7.250            450.50         50
                                       7.000            450.50
    EIGHT MILE       AL   36613          5            06/24/02         00
    0434213856                           05           08/01/02          0
    HACA01                               O            07/01/17
    0


    7814415          E82/G02             F          128,000.00         ZZ
                                         180        125,823.28          1
                                       6.250          1,097.50         78
                                       6.000          1,097.50
    RIVERSIDE        CA   92505          2            06/21/02         00
    0400641825                           05           08/01/02          0
    0400641825                           O            07/01/17
    0


    7815791          U05/G02             F          383,000.00         ZZ
                                         180        376,689.50          1
                                       6.625          3,362.72         70
                                       6.375          3,362.72
    THE WOODLANDS    TX   77380          5            06/14/02         00
    0434260329                           05           08/01/02          0
    3235032                              O            07/01/17
    0


    7821641          642/G02             F          110,000.00         ZZ
                                         180        108,206.69          1
                                       6.750            973.40         66
                                       6.500            973.40
    BALTIMORE        MD   21214          2            06/24/02         00
    0434225165                           05           08/01/02          0
    06142602                             O            07/01/17
    0


    7829941          E22/G02             F          104,000.00         ZZ
                                         180        102,249.90          1
                                       6.375            898.82         65
                                       6.125            898.82
    BRADENTON        FL   34208          5            06/28/02         00
    0414331512                           05           08/01/02          0
    0414331512                           O            07/01/17
    0


    7838340          601/G02             F          103,200.00         ZZ
                                         180        100,137.17          1
1


                                       6.750            913.23         80
                                       6.500            913.23
    HOUSTON          TX   77034          1            02/26/02         00
    0433795457                           05           04/01/02          0
    61261822                             O            03/01/17
    0


    7856923          N67/G02             F           45,000.00         ZZ
                                         180         44,355.27          1
                                       8.250            436.56         70
                                       8.000            436.56
    JACKSONVILLE     FL   32209          5            06/05/02         00
    0434285748                           05           08/01/02          0
    3252001986A                          O            07/01/17
    0


    7857539          E22/G02             F           89,375.00         ZZ
                                         180         88,200.17          1
                                       6.625            784.71         65
                                       6.375            784.71
    SAINT LOUIS      MO   63121          5            07/09/02         00
    0414363317                           05           09/01/02          0
    0414363317                           O            08/01/17
    0


    7871013          E22/G02             F          413,800.00         ZZ
                                         180        408,302.64          1
                                       6.500          3,604.64         80
                                       6.250          3,604.64
    SUGARLAND        TX   77478          2            07/15/02         00
    0414319970                           05           09/01/02          0
    0414319970                           O            08/01/17
    0


    7877937          E22/G02             F           94,900.00         ZZ
                                         180         93,665.76          1
                                       6.750            839.78         65
                                       6.500            839.78
    MCCALLA          AL   35111          5            07/18/02         00
    0414012617                           05           09/01/02          0
    0414012617                           O            08/01/17
    0


    7878779          F36/G02             F           60,000.00         ZZ
                                         180         59,144.14          1
                                       6.375            518.55         47
                                       6.125            518.55
    TACOMA           WA   98407          1            07/11/02         00
    0434336152                           05           09/01/02          0
1


    06504996                             N            08/01/17
    0


    7883853          313/G02             F           99,000.00         ZZ
                                         180         97,283.54          1
                                       7.000            889.84         90
                                       6.750            889.84
    MEMPHIS          TN   38141          1            06/27/02         11
    0434352928                           05           08/01/02         20
    8806598                              N            07/01/17
    0


    7883855          313/G02             F          350,000.00         ZZ
                                         180        344,110.23          1
                                       6.375          3,024.88         77
                                       6.125          3,024.88
    ALTA LOMA (AREA  CA   91737          2            06/19/02         00
    0434339024                           03           08/01/02          0
    8665747                              O            07/01/17
    0


    7903295          E22/G02             F           36,000.00         ZZ
                                         180         35,556.24          1
                                       7.375            331.17         90
                                       7.125            331.17
    COLUMBUS         GA   31909          1            08/01/02         10
    0414534065                           05           09/01/02         20
    0414534065                           N            08/01/17
    0


    7916825          X08/G02             F           89,000.00         ZZ
                                         120         86,842.95          1
                                       6.375          1,004.93         71
                                       6.125          1,004.93
    WEST VALLEY CIT  UT   84120          2            07/22/02         00
    0434384954                           03           09/01/02          0
    6010258                              N            08/01/12
    0


    7924115          E22/G02             F          385,000.00         ZZ
                                         180        379,939.24          1
                                       6.625          3,380.28         74
                                       6.375          3,380.28
    FORT WORTH       TX   76109          5            08/02/02         00
    0414227488                           03           09/01/02          0
    0414227488                           O            08/01/17
    0


1


    7931199          N34/G02             F           47,000.00         ZZ
                                         180         46,532.96          1
                                       6.500            409.42         53
                                       6.250            409.42
    HARVEY           IL   60429          5            08/02/02         00
    0434404125                           05           10/01/02          0
    0598938                              O            09/01/17
    0


    7936433          286/286             F           56,700.00         ZZ
                                         180         55,814.16          2
                                       7.250            517.60         70
                                       7.000            517.60
    CLEVELAND        OH   44110          1            06/13/02         00
    1300061                              05           08/01/02          0
    1300061                              N            07/01/17
    0


    7936451          286/286             F           58,850.00         ZZ
                                         180         57,910.71          1
                                       7.000            528.97         75
                                       6.750            528.97
    MESQUITE         TX   75150          5            06/26/02         00
    1376759                              05           08/01/02          0
    1376759                              N            07/01/17
    0


    7936459          286/286             F           49,750.00         ZZ
                                         180         48,930.26          1
                                       6.625            436.81         74
                                       6.375            436.81
    DAYTON           OH   45439          2            06/26/02         00
    1320377                              05           08/01/02          0
    1320377                              N            07/01/17
    0


    7936475          286/286             F           47,500.00         ZZ
                                         180         46,615.09          1
                                       7.375            436.96         64
                                       7.125            436.96
    DETROIT          MI   48219          5            05/28/02         00
    1330292                              05           07/01/02          0
    1330292                              O            06/01/17
    0


    7936563          286/286             F           96,000.00         ZZ
                                         180         93,525.98          1
                                       7.375            883.13         80
                                       7.125            883.13
1


    PHILADELPHIA     PA   19152          1            06/25/02         00
    1318709                              05           08/01/02          0
    1318709                              N            07/01/17
    0


    7936577          286/286             F           60,000.00         ZZ
                                         180         58,897.86          1
                                       7.000            539.30         56
                                       6.750            539.30
    STOCKTON         CA   95205          5            06/05/02         00
    792129                               05           08/01/02          0
    792129                               N            07/01/17
    0


    7936583          286/286             F           46,000.00         ZZ
                                         180         45,234.04          1
                                       6.500            400.71         70
                                       6.250            400.71
    RENO             NV   89512          1            06/21/02         00
    814387                               01           08/01/02          0
    814387                               O            07/01/17
    0


    7945095          F89/G02             F          180,800.00         ZZ
                                         180        178,346.71          1
                                       6.250          1,550.22         80
                                       6.000          1,550.22
    GRAND TERRACE    CA   92313          5            07/23/02         00
    0434408746                           05           09/01/02          0
    21971                                O            08/01/17
    0


    7948453          F89/G02             F          209,700.00         ZZ
                                         180        206,914.13          3
                                       6.500          1,826.71         90
                                       6.250          1,826.71
    LANCASTER        CA   93534          1            07/24/02         11
    0434434973                           05           09/01/02         25
    10621850                             N            08/01/17
    0


    7949641          514/G02             F          440,000.00         ZZ
                                         180        419,161.74          1
                                       6.250          3,772.66         75
                                       6.000          3,772.66
    TALLAHASSEE      FL   32312          5            12/05/01         00
    0434464483                           05           02/01/02          0
    664387                               O            01/01/17
    0
1




    7958105          U05/G02             F          122,000.00         ZZ
                                         180        120,800.58          1
                                       6.625          1,071.15         74
                                       6.375          1,071.15
    NORTH HOLLYWOOD  CA   91601          2            08/06/02         00
    0434995288                           01           10/01/02          0
    3249028                              N            09/01/17
    0


    7963185          N67/G02             F          126,750.00         ZZ
                                         180        125,101.55          1
                                       6.750          1,121.62         65
                                       6.500          1,121.62
    BAYSHORE         NY   11706          2            07/24/02         00
    0434439600                           05           09/01/02          0
    3274003282A                          O            08/01/17
    0


    7964189          286/286             F           50,000.00         ZZ
                                         180         45,112.66          1
                                       6.875            445.93         42
                                       6.625            445.93
    HERPERIA         CA   92345          2            06/19/02         00
    805325                               05           08/01/02          0
    805325                               O            07/01/17
    0


    7964205          286/286             F           78,480.00         T
                                         180         77,159.33          1
                                       6.375            678.27         80
                                       6.125            678.27
    SPOKANE          WA   99208          1            06/14/02         00
    1339717                              05           08/01/02          0
    1339717                              O            07/01/17
    0


    7964221          286/286             F          234,500.00         ZZ
                                         180        230,982.63          1
                                       6.500          2,042.75         84
                                       6.250          2,042.75
    LA VERNE         CA   91750          2            07/18/02         14
    806947                               05           09/01/02         12
    806947                               O            08/01/17
    0


    7964227          286/286             F          100,000.00         ZZ
                                         180         98,685.49          1
1


                                       6.625            878.00         71
                                       6.375            878.00
    BANNING          CA   92220          1            07/10/02         00
    811922                               05           09/01/02          0
    811922                               O            08/01/17
    0


    7964231          286/286             F          163,500.00         ZZ
                                         180        161,281.43          1
                                       6.250          1,401.89         75
                                       6.000          1,401.89
    HEMET            CA   92544          2            07/22/02         00
    808472                               05           09/01/02          0
    808472                               O            08/01/17
    0


    7965731          R84/G02             F           99,000.00         ZZ
                                         180         97,973.63          1
                                       6.000            835.42         75
                                       5.750            835.42
    LAS VEGAS        NV   89120          5            08/07/02         00
    0434468088                           05           10/01/02          0
    LVW4259                              O            09/01/17
    0


    7965869          E47/G02             F           48,000.00         ZZ
                                         180         47,507.60          1
                                       6.125            408.30         80
                                       5.875            408.30
    TAMPA            FL   33612          1            08/09/02         00
    0434467684                           05           10/01/02          0
    KIM                                  O            09/01/17
    0


    7967579          N74/G02             F           56,000.00         ZZ
                                         180         55,232.07          1
                                       6.125            476.35         80
                                       5.875            476.35
    CHARLOTTE        NC   28212          5            08/15/02         00
    0434503256                           01           09/20/02          0
    0030580010                           O            08/20/17
    0


    7976811          T44/G02             F          165,000.00         T
                                         180        163,462.72          1
                                       7.250          1,506.22         75
                                       7.000          1,506.22
    HENDERSON        NV   89015          5            08/14/02         00
    0434467973                           05           10/01/02          0
1


    1049167                              O            09/01/17
    0


    7980813          E45/G02             F           66,750.00         ZZ
                                         180         65,559.51          1
                                       6.750            590.68         80
                                       6.500            590.68
    NASHVILLE        TN   37211          2            06/12/02         00
    0434478962                           05           08/01/02          0
    245035                               O            07/01/17
    0


    7983293          477/G02             F          152,000.00         ZZ
                                         180        150,440.71          1
                                       6.125          1,292.95         80
                                       5.875          1,292.95
    AVONDALE         AZ   85323          2            08/05/02         00
    0434477402                           03           10/01/02          0
    237724                               O            09/01/17
    0


    7984111          964/G02             F          200,000.00         ZZ
                                         180        197,926.54          1
                                       6.000          1,687.71         80
                                       5.750          1,687.71
    PUYALLUP         WA   98371          1            08/14/02         00
    0434484317                           05           10/01/02          0
    242249                               O            09/01/17
    0


    7984123          964/G02             F          104,250.00         ZZ
                                         180        103,152.83          2
                                       6.000            879.72         60
                                       5.750            879.72
    SACRAMENTO       CA   95822          2            08/08/02         00
    0434484119                           05           10/01/02          0
    224628                               N            09/01/17
    0


    7986463          Q87/G02             F           54,000.00         ZZ
                                         180         53,319.88          1
                                       7.125            489.15         90
                                       6.875            489.15
    CULLMAN          AL   35058          5            08/14/02         10
    0434507703                           05           09/19/02         25
    ROTO01                               O            08/19/17
    0


1


    7986607          U05/G02             F          300,650.00         ZZ
                                         180        297,565.82          1
                                       6.125          2,557.40         71
                                       5.875          2,557.40
    SUGAR LAND       TX   77479          5            08/09/02         00
    0434782827                           03           10/01/02          0
    3251003                              O            09/01/17
    0


    7990265          X31/G02             F          107,500.00         ZZ
                                         180        106,047.35          1
                                       6.500            936.44         75
                                       6.250            936.44
    COMPTON          CA   90221          2            08/22/02         00
    0434604872                           05           10/01/02          0
    40103500                             O            09/01/17
    0


    7995775          E22/G02             F           71,250.00         ZZ
                                         180         70,578.98          1
                                       7.125            645.40         75
                                       6.875            645.40
    DALLAS           TX   75217          5            08/30/02         00
    0414549857                           05           10/01/02          0
    0414549857                           N            09/01/17
    0


    7997423          K15/G02             F          366,400.00         ZZ
                                         180        362,680.89          1
                                       6.250          3,141.60         80
                                       6.000          3,141.60
    NORTH MASSAPEQU  NY   11758          5            08/27/02         00
    0434733515                           05           10/01/02          0
    021205502340                         O            09/01/17
    0


    8000053          P59/G02             F          108,360.00         ZZ
                                         180        107,328.37          1
                                       7.000            973.98         90
                                       6.750            973.98
    LANCASTER        CA   93535          1            08/09/02         01
    0434508362                           05           10/01/02         20
    AT004134                             N            09/01/17
    0


    8000775          W39/G02             F          245,000.00         ZZ
                                         180        242,513.15          1
                                       6.250          2,100.69         68
                                       6.000          2,100.69
1


    WAXAHACHLE       TX   75167          5            08/21/02         00
    0434900577                           05           10/01/02          0
    PNI20864                             O            09/01/17
    0


    8001347          E22/G02             F          120,000.00         ZZ
                                         180        119,172.68          1
                                       6.000          1,012.63         71
                                       5.750          1,012.63
    BARTLETT         TN   38135          5            08/27/02         00
    0414760439                           05           11/01/02          0
    0414760439                           O            10/01/17
    0


    8002419          168/168             F           45,500.00         ZZ
                                         120         44,712.13          4
                                       7.125            531.23         65
                                       6.875            531.23
    BUFFALO          NY   14207          5            08/27/02         00
    0089381483                           05           10/01/02          0
    0089381483                           N            09/01/12
    0


    8004933          G34/G02             F           80,600.00         ZZ
                                         180         79,849.05          1
                                       7.250            735.77         75
                                       7.000            735.77
    FORT WORTH       TX   76137          5            08/27/02         00
    0434560850                           05           10/01/02          0
    85206210                             N            09/01/17
    0


    8004955          G34/G02             F           80,600.00         ZZ
                                         180         79,849.05          1
                                       7.250            735.77         75
                                       7.000            735.77
    FORT WORTH       TX   76137          5            08/27/02         00
    0434560892                           05           10/01/02          0
    85206209                             N            09/01/17
    0


    8007011          K15/G02             F           90,300.00         ZZ
                                         180         89,368.79          1
                                       6.375            780.42         79
                                       6.125            780.42
    MILTON           FL   32583          5            08/27/02         00
    0434510657                           05           10/01/02          0
    009305314524                         O            09/01/17
    0
1




    8009571          E22/G02             F          166,000.00         ZZ
                                         180        164,289.42          1
                                       6.750          1,468.95         95
                                       6.500          1,468.95
    LAS VEGAS        NV   89147          2            08/24/02         01
    0414745281                           05           10/01/02         30
    0414745281                           O            09/01/17
    0


    8011297          U05/G02             F          240,000.00         ZZ
                                         180        237,589.64          1
                                       6.375          2,074.20         77
                                       6.125          2,074.20
    OLATHE           KS   66062          5            08/26/02         00
    0434997565                           05           10/01/02          0
    3249499                              O            09/01/17
    0


    8012019          P59/G02             F          108,000.00         ZZ
                                         180        106,971.80          1
                                       7.000            970.74         90
                                       6.750            970.74
    LANCASTER        CA   93535          1            08/13/02         01
    0434530028                           05           10/01/02         20
    AT004143                             N            09/01/17
    0


    8013771          E22/G02             F           67,500.00         ZZ
                                         180         67,086.52          1
                                       7.375            620.95         75
                                       7.125            620.95
    FRISCO           TX   75034          5            09/06/02         00
    0414691600                           05           11/01/02          0
    0414691600                           N            10/01/17
    0


    8022229          M18/G02             F          290,000.00         ZZ
                                         180        286,966.25          1
                                       6.375          2,506.33         72
                                       6.125          2,506.33
    GLENDALE         CA   91207          2            08/06/02         00
    0434567871                           05           10/01/02          0
    980101985                            O            09/01/17
    0


    8025273          E22/G02             F           55,200.00         ZZ
                                         180         54,850.68          1
1


                                       7.000            496.15         80
                                       6.750            496.15
    ARLINGTON        TX   76015          1            09/09/02         00
    0414469205                           05           11/01/02          0
    0414469205                           N            10/01/17
    0


    8030133          E22/G02             F           56,800.00         ZZ
                                         180         56,366.37          1
                                       6.250            487.02         80
                                       6.000            487.02
    PASADENA         TX   77506          5            09/06/02         00
    0414808535                           05           11/01/02          0
    0414808535                           O            10/01/17
    0


    8032845          E45/G02             F           94,400.00         ZZ
                                         180         93,441.80          1
                                       6.250            809.41         80
                                       6.000            809.41
    WINSTON-SALEM    NC   27107          1            08/15/02         00
    0434593240                           05           10/01/02          0
    26769                                O            09/01/17
    0


    8035617          H93/G02             F           53,000.00         ZZ
                                         180         52,657.29          1
                                       6.750            469.00         66
                                       6.500            469.00
    OVERLAND PARK    KS   66203          5            09/06/02         00
    0434772448                           05           11/01/02          0
    2002001498                           O            10/01/17
    0


    8037535          K15/G02             F           49,500.00         ZZ
                                         180         49,183.34          1
                                       6.875            441.47         80
                                       6.625            441.47
    PENSACOLA        FL   32505          5            09/10/02         00
    0434598165                           05           11/01/02          0
    009305314549                         O            10/01/17
    0


    8039487          K15/G02             F          116,500.00         ZZ
                                         180        115,722.70          1
                                       6.375          1,006.53         80
                                       6.125          1,006.53
    NEW DURHAM       NH   03855          5            09/10/02         00
    0434598249                           04           11/01/02          0
1


    032005502663                         O            10/01/17
    0


    8040809          E82/G02             F           73,000.00         ZZ
                                         180         72,454.17          1
                                       6.125            620.96         49
                                       5.875            620.96
    GAINESVILLE      FL   32606          2            09/09/02         00
    0400673786                           05           11/02/02          0
    1638474                              O            10/02/17
    0


    8042187          975/G02             F          116,800.00         ZZ
                                         180        115,589.10          1
                                       6.000            985.62         80
                                       5.750            985.62
    RIVERSIDE        CA   92501          2            08/22/02         00
    0434607347                           05           10/01/02          0
    2023310                              O            09/01/17
    0


    8042349          975/G02             F          116,500.00         ZZ
                                         180        115,696.82          1
                                       6.000            983.09         62
                                       5.750            983.09
    POMONA           CA   91766          2            09/04/02         00
    0434609285                           05           11/01/02          0
    2023272                              N            10/01/17
    0


    8042943          P59/G02             F          108,000.00         ZZ
                                         180        106,971.80          1
                                       7.000            970.74         90
                                       6.750            970.74
    LANCASTER        CA   93535          1            08/08/02         01
    0434605903                           05           10/01/02         20
    AT004161                             N            09/01/17
    0


    8043225          X62/G02             F          125,000.00         ZZ
                                         180        124,119.79          1
                                       5.750          1,038.01         50
                                       5.500          1,038.01
    LOS ANGELES      CA   90047          5            09/04/02         00
    0434641254                           05           11/01/02          0
    01208047                             O            10/01/17
    0


1


    8045741          U05/G02             F           35,000.00         ZZ
                                         180         34,648.49          1
                                       6.375            302.49         21
                                       6.125            302.49
    LOXAHATCHEE      FL   33470          1            08/22/02         00
    0434649125                           05           10/01/02          0
    3253798                              O            09/01/17
    0


    8045939          A52/G02             F           74,300.00         T
                                         180         73,577.29          1
                                       6.750            657.49         80
                                       6.500            657.49
    MYRTLE BEACH     SC   29577          1            08/29/02         00
    0434608709                           01           10/01/02          0
    20288                                O            09/01/17
    0


    8046855          S27/G02             F          104,000.00         ZZ
                                         180        103,282.97          1
                                       6.000            877.62         74
                                       5.750            877.62
    DAVENPORT        FL   33897          5            09/09/02         00
    0434618088                           03           11/01/02          0
    1010022612                           O            10/01/17
    0


    8049621          F62/G02             F           74,000.00         ZZ
                                         180         73,172.27          1
                                       5.875            619.47         60
                                       5.625            619.47
    N. MIAMI         FL   33168          2            09/04/02         00
    0434653812                           05           11/01/02          0
    1                                    O            10/01/17
    0


    8050783          E45/G02             F           26,400.00         ZZ
                                         120         25,920.75          1
                                       6.250            296.42         58
                                       6.000            296.42
    OCALA            FL   34472          2            08/30/02         00
    0434643482                           05           10/01/02          0
    259860                               N            09/01/12
    0


    8055793          Q59/G02             F          300,700.00         ZZ
                                         180        298,604.80          1
                                       5.875          2,517.22         79
                                       5.625          2,517.22
1


    ANAHEIM          CA   92808          2            09/11/02         00
    0434622809                           05           11/01/02          0
    401816                               O            10/01/17
    0


    8058279          U28/G02             F          237,600.00         ZZ
                                         180        235,979.21          1
                                       6.125          2,021.08         80
                                       5.875          2,021.08
    CUMMING          GA   30041          5            09/17/02         00
    0434718359                           03           11/01/02          0
    2000004622                           O            10/01/17
    0


    8058349          X82/G02             F          340,000.00         ZZ
                                         180        334,567.04          1
                                       6.500          2,961.77         67
                                       6.250          2,961.77
    PORT REPUBLIC    MD   20676          5            09/16/02         00
    0434641379                           05           11/01/02          0
    835480                               O            10/01/17
    0


    8058371          Q87/G02             F           31,500.00         ZZ
                                         120         30,943.35          1
                                       6.750            361.70         90
                                       6.500            361.70
    ATMORE           AL   36502          5            09/06/02         10
    0434640181                           05           10/11/02         25
    BAGR01                               O            09/11/12
    0


    8058403          Q87/G02             F           99,200.00         ZZ
                                         180         98,544.61          1
                                       6.500            864.14         80
                                       6.250            864.14
    SHADY SHORES     TX   76208          5            09/09/02         00
    0434677464                           05           11/10/02          0
    OLJ101                               O            10/10/17
    0


    8058695          N74/G02             F           50,700.00         ZZ
                                         120         50,100.33          1
                                       6.625            578.92         74
                                       6.375            578.92
    SAN ELIZARIO     TX   79849          5            09/20/02         00
    0434667473                           05           11/01/02          0
    0030742010                           O            10/01/12
    0
1




    8058809          Q87/G02             F           50,000.00         ZZ
                                         180         49,503.16          1
                                       6.500            435.55         37
                                       6.250            435.55
    RED OAK          TX   75154          5            09/13/02         00
    0434745170                           05           10/18/02          0
    HOGI01                               O            09/18/17
    0


    8058871          Q87/G02             F           69,600.00         ZZ
                                         180         68,923.01          1
                                       6.750            615.90         80
                                       6.500            615.90
    HOUSTON          TX   77013          5            09/11/02         00
    0434742847                           05           10/16/02          0
    CHJE03                               O            09/16/17
    0


    8059533          E22/G02             F          140,000.00         ZZ
                                         180        139,044.99          1
                                       6.125          1,190.87         79
                                       5.875          1,190.87
    CHESTERFIELD TW  MI   48051          5            09/19/02         00
    0414807768                           29           11/01/02          0
    0414807768                           O            10/01/17
    0


    8059561          E22/G02             F           95,000.00         ZZ
                                         180         94,345.05          1
                                       6.000            801.66         76
                                       5.750            801.66
    HOUSTON          TX   77034          2            09/19/02         00
    0414844472                           05           11/01/02          0
    0414844472                           O            10/01/17
    0


    8059651          E22/G02             F          209,000.00         ZZ
                                         180        207,528.28          1
                                       5.750          1,735.56         34
                                       5.500          1,735.56
    CUMMING          GA   30041          2            09/19/02         00
    0414932806                           05           11/01/02          0
    0414932806                           O            10/01/17
    0


    8062187          E82/G02             F           75,700.00         ZZ
                                         180         75,166.95          1
1


                                       5.750            628.62         43
                                       5.500            628.62
    WAKE FOREST      NC   27587          2            09/23/02         00
    0400703815                           05           11/01/02          0
    4993617                              O            10/01/17
    0


    8062251          E82/G02             F           41,200.00         ZZ
                                         180         40,927.80          1
                                       6.500            358.90         23
                                       6.250            358.90
    STRATFORD        CT   06497          2            09/17/02         00
    0400689535                           05           11/01/02          0
    1538488                              O            10/01/17
    0


    8062375          E45/G02             F          120,000.00         ZZ
                                         180        118,807.58          4
                                       6.500          1,045.33         75
                                       6.250          1,045.33
    MILWAUKEE        WI   53211          2            09/09/02         00
    0434666053                           05           10/01/02          0
    261801                               N            09/01/17
    0


    8062729          E22/G02             F          114,100.00         ZZ
                                         180        113,304.98          1
                                       5.875            955.15         70
                                       5.625            955.15
    ANDOVER          MN   55304          5            09/20/02         00
    0414925131                           05           11/01/02          0
    0414925131                           O            10/01/17
    0


    8062747          E22/G02             F          390,000.00         ZZ
                                         180        387,311.21          1
                                       6.000          3,291.04         80
                                       5.750          3,291.04
    METAMORA         MI   48440          5            09/20/02         00
    0414944454                           05           11/01/02          0
    0414944454                           O            10/01/17
    0


    8063811          737/G02             F           91,650.00         ZZ
                                         180         91,020.98          1
                                       6.500            798.37         95
                                       6.250            798.37
    TUCSON           AZ   85713          5            09/10/02         12
    0434657243                           05           11/01/02         25
1


    2084076                              O            10/01/17
    0


    8065213          E82/G02             F          140,500.00         T
                                         180        139,561.79          1
                                       6.375          1,214.27         47
                                       6.125          1,214.27
    CHERRY GROVE     NY   11782          2            09/27/02         00
    0400677076                           05           11/01/02          0
    1675861                              O            10/01/17
    0


    8065259          E82/G02             F          134,200.00         ZZ
                                         180        133,274.77          1
                                       6.000          1,132.46         34
                                       5.750          1,132.46
    KILLINGWORTH     CT   06419          2            09/24/02         00
    0400684908                           05           11/01/02          0
    1684212                              O            10/01/17
    0


    8066197          E47/G02             F          131,200.00         ZZ
                                         180        130,305.02          1
                                       6.125          1,116.02         80
                                       5.875          1,116.02
    MISSION VIEJO    CA   92691          1            09/10/02         00
    0434727756                           01           11/01/02          0
    7331014255                           N            10/01/17
    0


    8066807          E22/G02             F           31,410.00         ZZ
                                         180         31,205.47          1
                                       6.750            277.95         90
                                       6.500            277.95
    FORT WAYNE       IN   46807          1            09/26/02         01
    0414423939                           05           11/01/02         20
    0414423939                           N            10/01/17
    0


    8067967          E47/G02             F           97,000.00         ZZ
                                         180         96,390.77          1
                                       7.250            885.48         61
                                       7.000            885.48
    STOCKTON         CA   95206          5            09/11/02         00
    0434659389                           05           11/01/02          0
    7333012445                           N            10/01/17
    0


1


    8069031          E22/G02             F          180,000.00         ZZ
                                         180        178,634.11          1
                                       6.375          1,555.65         54
                                       6.125          1,555.65
    LIVONIA          MI   48152          5            09/23/02         00
    0414378539                           05           11/01/02          0
    0414378539                           O            10/01/17
    0


    8070121          W02/G02             F           55,000.00         ZZ
                                         180         54,620.79          1
                                       6.000            464.13         68
                                       5.750            464.13
    PORT ST JOHN     FL   32927          5            09/23/02         00
    0434649406                           05           11/01/02          0
    1001430121                           O            10/01/17
    0


    8070699          168/168             F          180,000.00         ZZ
                                         180        178,848.53          1
                                       6.875          1,605.34         75
                                       6.625          1,605.34
    BAYSHORE         NY   11706          5            09/19/02         00
    0089579755                           05           11/01/02          0
    0089579755                           O            10/01/17
    0


    8072685          E22/G02             F          122,400.00         ZZ
                                         180        121,617.00          1
                                       6.875          1,091.63         80
                                       6.625          1,091.63
    WASILLA          AK   99654          5            09/19/02         00
    0414719682                           05           11/01/02          0
    0414719682                           O            10/01/17
    0


    8072947          E22/G02             F           84,800.00         ZZ
                                         180         84,245.73          1
                                       6.625            744.54         80
                                       6.375            744.54
    PLANO            TX   75074          5            09/24/02         00
    0414866152                           05           11/01/02          0
    0414866152                           O            10/01/17
    0


    8073081          E22/G02             F          177,000.00         ZZ
                                         180        175,792.58          1
                                       6.125          1,505.61         77
                                       5.875          1,505.61
1


    STERLING HEIGHT  MI   48310          2            09/24/02         00
    0414912576                           05           11/01/02          0
    0414912576                           O            10/01/17
    0


    8073097          E22/G02             F          100,000.00         ZZ
                                         120         98,784.76          1
                                       6.125          1,116.49         44
                                       5.875          1,116.49
    HURST            TX   76054          5            09/24/02         00
    0414916833                           05           11/01/02          0
    0414916833                           O            10/01/12
    0


    8073139          E22/G02             F           46,900.00         ZZ
                                         120         46,337.71          1
                                       6.375            529.56         62
                                       6.125            529.56
    TULSA            OK   74429          2            09/30/02         00
    0414927111                           05           11/01/02          0
    0414927111                           N            10/01/12
    0


    8073665          K15/G02             F           50,000.00         ZZ
                                         180         49,673.18          1
                                       6.625            439.00         79
                                       6.375            439.00
    AKRON            OH   44306          5            09/24/02         00
    0434667424                           05           11/01/02          0
    028005502222                         O            10/01/17
    0


    8073693          624/G02             F          105,000.00         ZZ
                                         180        104,260.63          1
                                       5.750            871.93         64
                                       5.500            871.93
    SAN BERNARDINO   CA   92407          5            09/20/02         00
    0434651923                           05           11/01/02          0
    1000010628                           O            10/01/17
    0


    8073815          L16/G02             F           62,100.00         ZZ
                                         180         61,694.11          1
                                       6.625            545.23         90
                                       6.375            545.23
    BAKERSFIELD      CA   93308          1            09/25/02         04
    0434653101                           05           11/01/02         12
    6825                                 N            10/01/17
    0
1




    8074501          601/G02             F          100,000.00         ZZ
                                         180         99,006.31          1
                                       6.500            871.11         43
                                       6.250            871.11
    ST AUGUSTINE     FL   32080          5            09/05/02         00
    0434659439                           05           10/01/02          0
    61764478                             O            09/01/17
    0


    8075271          E82/G02             F          171,650.00         ZZ
                                         180        170,551.94          4
                                       6.875          1,530.87         59
                                       6.625          1,530.87
    NEWPORT          MN   55055          2            09/25/02         00
    0400699963                           05           11/01/02          0
    3892404                              N            10/01/17
    0


    8075493          E22/G02             F           60,300.00         ZZ
                                         180         59,891.33          1
                                       6.250            517.03         84
                                       6.000            517.03
    WAUKEGAN         IL   60085          2            09/26/02         11
    0414763110                           09           11/01/02          6
    0414763110                           O            10/01/17
    0


    8075623          E22/G02             F          170,000.00         ZZ
                                         180        168,790.25          1
                                       5.625          1,400.34         68
                                       5.375          1,400.34
    BIRMINGHAM       AL   35216          5            09/26/02         00
    0414960914                           05           11/01/02          0
    0414960914                           O            10/01/17
    0


    8076653          K39/G02             F           64,800.00         ZZ
                                         180         64,169.67          1
                                       6.750            573.43         90
                                       6.500            573.43
    CHESHIRE         CT   06410          5            09/19/02         11
    0434663217                           01           10/24/02         12
    040801378                            O            09/24/17
    0


    8076745          M27/G02             F          241,000.00         ZZ
                                         180        239,284.99          1
1


                                       5.625          1,985.19         64
                                       5.375          1,985.19
    HUNTERSVILLE     NC   28078          5            09/19/02         00
    0434712352                           05           11/01/02          0
    600814559                            O            10/01/17
    0


    8077031          X10/G02             F          186,000.00         ZZ
                                         180        184,717.66          1
                                       6.000          1,569.57         69
                                       5.750          1,569.57
    HOUSTON          TX   77024          2            09/16/02         00
    0434695797                           05           11/01/02          0
    50001848                             O            10/01/17
    0


    8077099          E45/G02             F          170,000.00         ZZ
                                         180        168,790.25          1
                                       5.625          1,400.34         75
                                       5.375          1,400.34
    GAITHERSBURG     MD   20879          2            09/03/02         00
    0434660148                           09           11/01/02          0
    273345                               O            10/01/17
    0


    8077109          X07/G02             F           60,000.00         ZZ
                                         180         59,628.44          4
                                       7.250            547.72         80
                                       7.000            547.72
    MILWAUKEE        WI   53215          1            09/30/02         00
    0434689097                           05           11/01/02          0
    6910000757                           N            10/01/17
    0


    8077123          E45/G02             F           50,000.00         ZZ
                                         120         49,092.34          1
                                       6.250            561.40         57
                                       6.000            561.40
    PELHAM           AL   35124          5            08/20/02         00
    0434703245                           05           10/01/02          0
    575440886                            N            09/01/12
    0


    8077953          K68/G02             F          550,000.00         ZZ
                                         180        548,108.78          1
                                       6.000          4,641.22         59
                                       5.750          4,641.22
    JACKSON          MS   39211          5            09/27/02         00
    0434671087                           09           12/01/02          0
1


    1347640                              O            11/01/17
    0


    8078533          P34/G02             F          157,800.00         ZZ
                                         180        156,768.58          1
                                       6.625          1,385.48         88
                                       6.375          1,385.48
    NEWBURGH         NY   12550          5            09/14/02         10
    0434670097                           05           11/01/02         25
    15351                                O            10/01/17
    0


    8078537          E82/G02             F           82,500.00         ZZ
                                         180         82,222.32          1
                                       6.250            707.37         49
                                       6.000            707.37
    ALPHARETTA       GA   30005          2            10/03/02         00
    0400708814                           05           12/01/02          0
    1528703                              N            11/01/17
    0


    8078553          E82/G02             F           40,850.00         ZZ
                                         180         40,723.90          1
                                       7.250            372.90         67
                                       7.000            372.90
    ROSENBERG        TX   77471          2            09/30/02         00
    0400695177                           05           12/01/02          0
    1581537                              O            11/01/17
    0


    8078727          E22/G02             F           50,000.00         ZZ
                                         120         49,388.27          1
                                       6.000            555.10         32
                                       5.750            555.10
    PLACENTIA        CA   92870          2            09/25/02         00
    0414822239                           01           11/01/02          0
    0414822239                           N            10/01/12
    0


    8078761          E22/G02             F           49,050.00         ZZ
                                         180         48,732.83          1
                                       6.750            434.05         90
                                       6.500            434.05
    WINSTON SALEM    NC   27105          1            10/02/02         01
    0414875526                           05           11/01/02         20
    0414875526                           N            10/01/17
    0


1


    8080503          E57/G02             F          367,500.00         ZZ
                                         180        364,993.08          1
                                       6.125          3,126.05         73
                                       5.875          3,126.05
    MISSION VIEJO    CA   92692          5            09/19/02         00
    0434705380                           05           11/01/02          0
    17003791                             O            10/01/17
    0


    8081375          P09/G02             F          100,000.00         ZZ
                                         180         99,659.80          1
                                       6.125            850.62         80
                                       5.875            850.62
    ELKTON           MD   21921          5            09/30/02         00
    0434684494                           05           12/01/02          0
    R0209105                             O            11/01/17
    0


    8082417          E82/G02             F           68,500.00         ZZ
                                         180         68,261.93          1
                                       5.875            573.43         39
                                       5.625            573.43
    LAS VEGAS        NV   89117          2            10/03/02         00
    0400710034                           05           12/01/02          0
    1560368                              N            11/01/17
    0


    8082439          E82/G02             F          107,100.00         ZZ
                                         180        106,723.82          1
                                       5.750            889.37         42
                                       5.500            889.37
    COLORADO SP      CO   80920          2            10/01/02         00
    0400706503                           05           12/01/02          0
    1955346                              O            11/01/17
    0


    8082441          E82/G02             F          139,000.00         ZZ
                                         180        138,051.81          1
                                       6.125          1,182.37         31
                                       5.875          1,182.37
    PHILADELPHIA     PA   19102          2            10/02/02         00
    0400685707                           05           11/01/02          0
    1640159                              O            10/01/17
    0


    8082455          E82/G02             F          137,000.00         ZZ
                                         180        136,523.88          1
                                       5.875          1,146.85         95
                                       5.625          1,146.85
1


    FARMINGTON       NM   87401          2            09/30/02         10
    0400700852                           05           12/01/02         25
    0400700852                           O            11/01/17
    0


    8082469          E82/G02             F           87,400.00         ZZ
                                         180         87,102.65          1
                                       6.125            743.45         76
                                       5.875            743.45
    OKLAHOMA CITY    OK   73142          2            09/30/02         00
    0400685582                           09           12/01/02          0
    2820501                              O            11/01/17
    0


    8082551          X80/G02             F           93,000.00         ZZ
                                         180         92,338.19          1
                                       5.625            766.07         67
                                       5.375            766.07
    LOS ANGELES      CA   90044          2            09/17/02         00
    0434689907                           05           11/01/02          0
    14100494                             O            10/01/17
    0


    8082837          N74/G02             F           65,000.00         ZZ
                                         180         64,778.86          1
                                       6.125            552.91         77
                                       5.875            552.91
    STAUNTON         VA   24401          2            09/26/02         00
    0434671061                           05           12/01/02          0
    0030792010                           O            11/01/17
    0


    8083141          W35/G02             F           87,000.00         ZZ
                                         180         86,574.48          1
                                       5.625            716.65         76
                                       5.375            716.65
    MC HENRY         IL   60050          5            09/27/02         00
    0434670501                           05           12/01/02          0
    14363                                O            11/01/17
    0


    8084455          Q73/G02             F           59,200.00         ZZ
                                         180         58,787.52          1
                                       5.875            495.57         80
                                       5.625            495.57
    SENATOBIA        MS   38668          1            09/30/02         00
    0434685152                           05           11/01/02          0
    2978693                              O            10/01/17
    0
1




    8084469          K79/G02             F          249,000.00         ZZ
                                         180        248,179.69          4
                                       6.500          2,169.06         48
                                       6.250          2,169.06
    WALTHAM          MA   02453          2            10/04/02         00
    0434684460                           05           12/01/02          0
    15207                                N            11/01/17
    0


    8084541          K79/G02             F          159,000.00         ZZ
                                         180        158,476.19          2
                                       6.500          1,385.06         26
                                       6.250          1,385.06
    NEWTON           MA   02460          5            10/04/02         00
    0434687356                           05           12/01/02          0
    15205                                N            11/01/17
    0


    8084559          E47/G02             F           77,400.00         ZZ
                                         180         76,849.19          1
                                       5.625            637.57         69
                                       5.375            637.57
    SAN ANTONIO      TX   78210          2            09/17/02         00
    0434697942                           05           11/01/02          0
    7362511422                           O            10/01/17
    0


    8085069          N74/G02             F          106,205.00         ZZ
                                         180        105,839.81          1
                                       6.000            896.22         69
                                       5.750            896.22
    CREWE            VA   23930          5            09/30/02         00
    0434663522                           05           12/01/02          0
    0030830010                           O            11/01/17
    0


    8085149          N74/G02             F           57,500.00         ZZ
                                         180         57,095.09          1
                                       5.750            477.49         39
                                       5.500            477.49
    CROSSETT         AR   71635          2            09/27/02         00
    0434687729                           05           11/02/02          0
    0030805010                           O            10/02/17
    0


    8085535          U05/G02             F          129,000.00         ZZ
                                         180        128,174.79          1
1


                                       6.875          1,150.49         61
                                       6.625          1,150.49
    CORNING          CA   96021          2            09/10/02         00
    0434838819                           05           11/01/02          0
    3259231                              O            10/01/17
    0


    8085751          N74/G02             F           48,000.00         T
                                         180         47,834.95          1
                                       6.000            405.05         80
                                       5.750            405.05
    SKIPWITH         VA   23968          5            09/30/02         00
    0434668216                           05           12/01/02          0
    0030832010                           O            11/01/17
    0


    8085891          E82/G02             F           74,400.00         ZZ
                                         180         74,144.17          1
                                       6.000            627.83         56
                                       5.750            627.83
    ATLANTA          GA   30327          2            10/04/02         00
    0400708616                           01           12/01/02          0
    1660620                              N            11/01/17
    0


    8085897          E82/G02             F          123,800.00         ZZ
                                         180        123,025.05          1
                                       6.500          1,078.43         75
                                       6.250          1,078.43
    KIHEI            HI   96753          2            10/04/02         00
    0400708152                           08           12/01/02          0
    7261619                              N            11/01/17
    0


    8085899          E82/G02             F          124,000.00         ZZ
                                         180        123,587.08          1
                                       6.375          1,071.67         90
                                       6.125          1,071.67
    MYRTLE BEACH     SC   29577          2            10/01/02         04
    0400681474                           05           12/01/02         25
    1743591                              O            11/01/17
    0


    8085929          E82/G02             F          184,900.00         ZZ
                                         180        183,564.17          1
                                       6.625          1,623.41         61
                                       6.375          1,623.41
    HAWLEY           PA   18428          2            10/04/02         00
    0400686515                           03           11/01/02          0
1


    0400686515                           N            10/01/17
    0


    8085947          N74/G02             F          100,000.00         ZZ
                                         180         99,339.33          1
                                       6.500            871.11         79
                                       6.250            871.11
    GROTTOES         VA   24441          5            09/27/02         00
    0434668265                           05           11/02/02          0
    0030791010                           O            10/02/17
    0


    8086097          E22/G02             F          332,000.00         ZZ
                                         180        329,806.58          1
                                       6.500          2,892.08         75
                                       6.250          2,892.08
    ROCHESTER HILLS  MI   48309          2            09/26/02         00
    0414901249                           05           11/01/02          0
    0414901249                           O            10/01/17
    0


    8086179          E22/G02             F          200,000.00         ZZ
                                         180        199,171.77          1
                                       5.875          1,674.24         80
                                       5.625          1,674.24
    WELLINGTON       FL   33414          1            10/04/02         00
    0414993022                           03           12/01/02          0
    0414993022                           O            11/01/17
    0


    8086239          E22/G02             F          236,000.00         ZZ
                                         180        234,372.94          1
                                       6.000          1,991.50         80
                                       5.750          1,991.50
    WADSWORTH        IL   60083          5            09/30/02         00
    0415065705                           05           11/01/02          0
    0415065705                           O            10/01/17
    0


    8086335          W68/G02             F          150,000.00         ZZ
                                         180        149,040.45          1
                                       6.875          1,337.78         57
                                       6.625          1,337.78
    FLOWER MOUND     TX   75028          5            09/17/02         00
    0434722245                           03           11/01/02          0
    28645                                O            10/01/17
    0


1


    8086611          X44/G02             F          200,000.00         ZZ
                                         180        198,576.75          1
                                       5.625          1,647.46         45
                                       5.375          1,647.46
    WHITE PLAINS     NY   10605          5            09/27/02         00
    0434689634                           05           11/01/02          0
    6483                                 O            10/01/17
    0


    8086615          X44/G02             F          119,000.00         ZZ
                                         180        118,188.25          1
                                       6.125          1,012.24         30
                                       5.875          1,012.24
    MORRIS PLAINS    NJ   07950          5            09/27/02         00
    0434865515                           05           11/01/02          0
    6518                                 O            10/01/17
    0


    8086897          N47/G02             F          384,000.00         ZZ
                                         180        381,324.39          1
                                       5.875          3,214.54         80
                                       5.625          3,214.54
    LAS FLORES       CA   92688          5            09/25/02         00
    0434787529                           03           11/01/02          0
    30220183                             O            10/01/17
    0


    8087133          S11/G02             F          175,000.00         ZZ
                                         180        173,793.49          1
                                       6.000          1,476.75         66
                                       5.750          1,476.75
    FRESNO           CA   93711          5            09/25/02         00
    0434723268                           05           11/01/02          0
    10209228                             O            10/01/17
    0


    8087175          S11/G02             F           77,000.00         ZZ
                                         180         76,474.74          1
                                       6.125            654.98         44
                                       5.875            654.98
    LAGUNA HILLS AR  CA   92656          5            09/25/02         00
    0434692000                           01           11/01/02          0
    10209384                             O            10/01/17
    0


    8087183          U42/G02             F          326,500.00         ZZ
                                         180        324,272.77          1
                                       6.125          2,777.29         73
                                       5.875          2,777.29
1


    FORT WORTH       TX   76132          5            09/25/02         00
    0434773735                           05           11/01/02          0
    33200971                             O            10/01/17
    0


    8087211          E45/G02             F           70,000.00         ZZ
                                         120         68,668.59          1
                                       5.375            755.36         67
                                       5.125            755.36
    HOLLYWOOD        FL   33021          2            09/03/02         00
    0434663324                           01           10/01/02          0
    276530                               O            09/01/12
    0


    8087459          T09/G02             F          300,000.00         ZZ
                                         180        297,887.49          1
                                       5.750          2,491.23         66
                                       5.500          2,491.23
    MORRO BAY        CA   93442          5            09/18/02         00
    0434753828                           05           11/01/02          0
    20021648                             O            10/01/17
    0


    8087533          P34/G02             F          126,000.00         ZZ
                                         180        125,131.31          1
                                       6.000          1,063.26         84
                                       5.750          1,063.26
    WOONSOCKET       RI   02895          5            09/25/02         10
    0434692810                           05           11/01/02         25
    15396                                O            10/01/17
    0


    8087607          N74/G02             F           60,350.00         ZZ
                                         180         59,951.30          1
                                       6.500            525.71         85
                                       6.250            525.71
    SEARCY           AR   72143          2            09/30/02         10
    0434684007                           27           11/04/02         12
    0030823030                           O            10/04/17
    0


    8087639          964/G02             F          137,500.00         ZZ
                                         180        136,571.97          1
                                       6.250          1,178.96         50
                                       6.000          1,178.96
    SANTA ANA        CA   92706          2            09/16/02         00
    0434692364                           05           11/01/02          0
    263781                               O            10/01/17
    0
1




    8087651          964/G02             F          206,250.00         ZZ
                                         180        204,857.94          1
                                       6.250          1,768.44         75
                                       6.000          1,768.44
    VAN NUYS (AREA)  CA   91405          5            09/18/02         00
    0434697710                           05           11/01/02          0
    245132                               O            10/01/17
    0


    8087731          964/G02             F          297,000.00         ZZ
                                         180        294,930.59          1
                                       5.875          2,486.24         66
                                       5.625          2,486.24
    MISSION VIEJO    CA   92691          2            09/18/02         00
    0434705570                           05           11/01/02          0
    254709                               O            10/01/17
    0


    8087739          964/G02             F           47,600.00         ZZ
                                         180         47,054.09          1
                                       5.375            385.78         47
                                       5.125            385.78
    HOUSTON          TX   77082          2            09/16/02         00
    0434691572                           03           11/01/02          0
    261159                               O            10/01/17
    0


    8087763          964/G02             F          266,000.00         ZZ
                                         180        264,185.48          1
                                       6.125          2,262.66         58
                                       5.875          2,262.66
    CERRITOS         CA   90703          1            09/23/02         00
    0434697314                           05           11/01/02          0
    262187                               O            10/01/17
    0


    8087767          964/G02             F          300,700.00         ZZ
                                         180        298,582.54          1
                                       5.750          2,497.05         70
                                       5.500          2,497.05
    ANTIOCH          CA   94509          1            09/17/02         00
    0434683330                           05           11/01/02          0
    263841                               O            10/01/17
    0


    8087769          964/G02             F          109,000.00         ZZ
                                         180        108,248.53          1
1


                                       6.000            919.80         80
                                       5.750            919.80
    MCMINNVILLE      OR   97128          5            09/18/02         00
    0434697512                           05           11/01/02          0
    265300                               O            10/01/17
    0


    8087777          964/G02             F          272,200.00         ZZ
                                         180        270,242.49          1
                                       5.500          2,224.10         72
                                       5.250          2,224.10
    LAKEWOOD         CO   80215          2            09/19/02         00
    0434695581                           05           11/01/02          0
    241503                               O            10/01/17
    0


    8087943          F25/G02             F          200,000.00         ZZ
                                         180        199,326.82          2
                                       6.250          1,714.85         43
                                       6.000          1,714.85
    PORT WASHINGTON  NY   11050          5            10/01/02         00
    0434682274                           05           12/01/02          0
    590335                               O            11/01/17
    0


    8088021          P21/G02             F           42,200.00         ZZ
                                         180         41,899.70          1
                                       5.625            347.61         51
                                       5.375            347.61
    LAKELAND         FL   33801          2            09/21/02         00
    0434822011                           05           11/01/02          0
    0208053                              O            10/01/17
    0


    8088831          E82/G02             F           99,700.00         ZZ
                                         180         98,288.50          1
                                       6.125            848.07         61
                                       5.875            848.07
    AUSTIN           TX   78701          2            10/04/02         00
    0400698270                           01           12/01/02          0
    1793185                              O            11/01/17
    0


    8088853          E82/G02             F          192,600.00         ZZ
                                         180        191,937.73          1
                                       6.000          1,625.27         80
                                       5.750          1,625.27
    MIAMI            FL   33175          2            10/01/02         00
    0400690376                           05           12/01/02          0
1


    1896653                              O            11/01/17
    0


    8088859          E82/G02             F           44,900.00         ZZ
                                         180         44,745.61          1
                                       6.000            378.89         36
                                       5.750            378.89
    BELOIT           WI   53511          2            10/01/02         00
    0400698734                           05           12/01/02          0
    1920151                              O            11/01/17
    0


    8088861          E82/G02             F          226,000.00         ZZ
                                         180        225,214.57          1
                                       5.875          1,891.89         61
                                       5.625          1,891.89
    SABATTUS         ME   04280          2            10/02/02         00
    0400704052                           05           12/01/02          0
    0400704052                           O            11/01/17
    0


    8088863          E82/G02             F          105,000.00         ZZ
                                         180        104,638.95          1
                                       6.000            886.05         29
                                       5.750            886.05
    PEMBROKE PINES   FL   33028          2            10/03/02         00
    0400693628                           03           12/01/02          0
    0400693628                           O            11/01/17
    0


    8088867          E82/G02             F          138,500.00         ZZ
                                         180        138,033.82          1
                                       6.250          1,187.53         61
                                       6.000          1,187.53
    HATBORO          PA   19040          5            10/02/02         00
    0400682324                           05           12/01/02          0
    0400682324                           O            11/01/17
    0


    8088893          E82/G02             F          233,500.00         ZZ
                                         180        232,705.61          1
                                       6.125          1,986.21         51
                                       5.875          1,986.21
    SAN JOSE         CA   95131          2            10/02/02         00
    0400686853                           05           12/01/02          0
    2848921                              O            11/01/17
    0


1


    8088987          K79/G02             F          275,000.00         ZZ
                                         180        274,094.03          3
                                       6.500          2,395.55         61
                                       6.250          2,395.55
    WALTHAM          MA   02453          2            10/04/02         00
    0434692869                           05           12/01/02          0
    15206                                N            11/01/17
    0


    8089105          E22/G02             F          160,000.00         ZZ
                                         180        159,472.90          1
                                       6.500          1,393.77         46
                                       6.250          1,393.77
    BELLEVUE         WA   98006          5            10/01/02         00
    0414702001                           05           12/01/02          0
    0414702001                           O            11/01/17
    0


    8089269          E22/G02             F           33,000.00         ZZ
                                         180         32,891.28          1
                                       6.500            287.47         44
                                       6.250            287.47
    GREENVILLE       SC   29605          5            10/07/02         00
    0414910539                           05           12/01/02          0
    0414910539                           N            11/01/17
    0


    8089337          E22/G02             F          185,000.00         ZZ
                                         180        184,377.31          1
                                       6.250          1,586.23         57
                                       6.000          1,586.23
    BROOMFIELD       CO   80020          5            10/02/02         00
    0414969782                           03           12/01/02          0
    0414969782                           O            11/01/17
    0


    8089369          E22/G02             F           99,450.00         ZZ
                                         180         99,129.37          1
                                       6.750            880.04         65
                                       6.500            880.04
    CHEYENNE         WY   82001          5            10/02/02         00
    0414984757                           05           12/01/02          0
    0414984757                           O            11/01/17
    0


    8089463          E22/G02             F          135,500.00         ZZ
                                         180        135,029.09          1
                                       5.875          1,134.30         67
                                       5.625          1,134.30
1


    LOVELAND         CO   80537          5            10/04/02         00
    0415037126                           05           12/01/02          0
    0415037126                           O            11/01/17
    0


    8089851          758/G02             F           69,600.00         ZZ
                                         180         69,140.18          1
                                       6.500            606.29         80
                                       6.250            606.29
    CONROE           TX   77301          1            09/23/02         00
    0434731980                           05           11/01/02          0
    720323                               N            10/01/17
    0


    8090063          M24/G02             F          100,000.00         ZZ
                                         180         99,310.57          1
                                       6.000            843.86         59
                                       5.750            843.86
    NORWALK          CA   90650          1            09/20/02         00
    0434973756                           01           11/01/02          0
    SG0L3932                             O            10/01/17
    0


    8090113          964/G02             F           44,250.00         ZZ
                                         180         43,954.52          1
                                       6.375            382.43         75
                                       6.125            382.43
    CIBOLO           TX   78108          5            09/27/02         00
    0434681896                           05           11/01/02          0
    273400                               N            10/01/17
    0


    8091257          E57/G02             F          274,300.00         ZZ
                                         180        272,368.47          1
                                       5.750          2,277.81         70
                                       5.500          2,277.81
    ALISO VIEJO ARE  CA   92656          2            09/21/02         00
    0434700811                           01           11/01/02          0
    06009312                             O            10/01/17
    0


    8091429          964/G02             F          286,000.00         ZZ
                                         180        283,986.06          1
                                       5.750          2,374.98         34
                                       5.500          2,374.98
    ANTHEM           AZ   85086          2            09/17/02         00
    0434695979                           05           11/01/02          0
    248415                               O            10/01/17
    0
1




    8091601          313/G02             F          341,700.00         ZZ
                                         180        339,369.07          1
                                       6.125          2,906.59         90
                                       5.875          2,906.59
    MIDDLETON        WI   53562          1            09/06/02         11
    0434712683                           05           11/01/02         12
    8850349                              O            10/01/17
    0


    8092175          J40/G02             F           62,000.00         ZZ
                                         180         61,599.10          1
                                       6.750            548.64         63
                                       6.500            548.64
    CORINTH          MS   38834          2            09/25/02         00
    0434815650                           05           11/01/02          0
    7757520                              O            10/01/17
    0


    8092355          286/286             F          122,000.00         ZZ
                                         180        120,735.16          1
                                       6.000          1,029.51         26
                                       5.750          1,029.51
    DALY CITY        CA   94015          2            08/08/02         00
    1440125                              05           10/01/02          0
    1440125                              N            09/01/17
    0


    8092451          286/286             F          100,000.00         ZZ
                                         180         98,643.10          1
                                       6.250            857.42         35
                                       6.000            857.42
    HAMPTON          NH   03842          1            07/26/02         00
    1427209                              01           09/01/02          0
    1427209                              O            08/01/17
    0


    8092503          286/286             F           55,500.00         ZZ
                                         180         54,778.17          2
                                       6.750            491.13         44
                                       6.500            491.13
    PROVIDENCE       RI   02909          2            07/10/02         00
    1341196                              05           09/01/02          0
    1341196                              N            08/01/17
    0


    8092507          286/286             F           60,000.00         ZZ
                                         180         59,233.46          1
1


                                       7.250            547.72         75
                                       7.000            547.72
    PINEVILLE        LA   71360          5            07/17/02         00
    1406313                              05           09/01/02          0
    1406313                              N            08/01/17
    0


    8092565          E47/G02             F           72,800.00         ZZ
                                         180         72,298.09          1
                                       6.000            614.33         80
                                       5.750            614.33
    BURLESON         TX   76028          5            09/25/02         00
    0434755724                           05           11/01/02          0
    7362511405                           O            10/01/17
    0


    8092575          286/286             F           61,000.00         ZZ
                                         180         60,206.69          1
                                       6.750            539.79         44
                                       6.500            539.79
    FONTANA          CA   92335          1            07/10/02         00
    0000807367                           05           09/01/02          0
    0000807367                           N            08/01/17
    0


    8092889          286/286             F           92,500.00         ZZ
                                         180         91,489.38          1
                                       5.375            749.69         28
                                       5.125            749.69
    TYLER            TX   75703          2            08/19/02         00
    1450518                              05           10/01/02          0
    1450518                              O            09/01/17
    0


    8092953          286/286             F          150,000.00         ZZ
                                         180        148,477.46          1
                                       6.250          1,286.13         24
                                       6.000          1,286.13
    SAN FRANCISCO    CA   94116          2            08/06/02         00
    0001110206                           05           10/01/02          0
    0001110206                           O            09/01/17
    0


    8092969          286/286             F          137,000.00         ZZ
                                         180        135,549.47          1
                                       5.750          1,137.66         27
                                       5.500          1,137.66
    SAN JOSE         CA   95123          2            08/12/02         00
    0001109104                           05           10/01/02          0
1


    0001109104                           O            09/01/17
    0


    8093749          L76/G02             F          139,750.00         ZZ
                                         180        139,248.65          1
                                       5.500          1,141.87         65
                                       5.250          1,141.87
    EAGAN            MN   55122          2            10/03/02         00
    0434777371                           07           12/01/02          0
    9505671                              O            11/01/17
    0


    8093811          G34/G02             F          413,950.00         ZZ
                                         180        411,035.09          1
                                       5.750          3,437.48         40
                                       5.500          3,437.48
    DALLAS           TX   75230          2            09/23/02         00
    0434883302                           05           11/01/02          0
    85206613                             O            10/01/17
    0


    8093877          E22/G02             F           91,000.00         ZZ
                                         180         90,690.41          1
                                       6.125            774.07         68
                                       5.875            774.07
    DEARBORN         MI   48126          2            10/03/02         00
    0414759340                           05           12/01/02          0
    0414759340                           O            11/01/17
    0


    8093897          E22/G02             F          195,000.00         ZZ
                                         180        194,329.48          1
                                       6.000          1,645.52         78
                                       5.750          1,645.52
    PULLMAN          MI   49450          5            10/03/02         00
    0414809665                           05           12/01/02          0
    0414809665                           O            11/01/17
    0


    8093997          E22/G02             F           34,000.00         ZZ
                                         120         33,705.42          1
                                       7.250            399.16         40
                                       7.000            399.16
    EL PASO          TX   79936          5            10/08/02         00
    0414909028                           05           12/01/02          0
    0414909028                           N            11/01/12
    0


1


    8094019          E22/G02             F          300,000.00         ZZ
                                         180        298,957.39          1
                                       5.875          2,511.36         75
                                       5.625          2,511.36
    HAUPPAUGE        NY   11788          5            10/03/02         00
    0414929364                           05           12/01/02          0
    0414929364                           O            11/01/17
    0


    8094063          E22/G02             F          109,800.00         ZZ
                                         180        109,422.45          4
                                       6.000            926.55         90
                                       5.750            926.55
    SAN ANTONIO      TX   78201          1            10/08/02         04
    0414991737                           05           12/01/02         12
    0414991737                           N            11/01/17
    0


    8094065          E22/G02             F          176,000.00         ZZ
                                         180        175,375.23          1
                                       5.625          1,449.77         80
                                       5.375          1,449.77
    TACOMA           WA   98446          5            09/26/02         00
    0414993774                           05           12/01/02          0
    0414993774                           O            11/01/17
    0


    8094069          E22/G02             F          191,000.00         ZZ
                                         180        190,377.51          2
                                       6.625          1,676.97         73
                                       6.375          1,676.97
    NORTH PLAINFIEL  NJ   07060          2            10/08/02         00
    0414994194                           05           12/01/02          0
    0414994194                           N            11/01/17
    0


    8094075          E22/G02             F          140,000.00         ZZ
                                         180        139,503.03          1
                                       5.625          1,153.22         48
                                       5.375          1,153.22
    TULSA            OK   74137          5            10/03/02         00
    0414996819                           03           12/01/02          0
    0414996819                           O            11/01/17
    0


    8094081          E22/G02             F          175,000.00         ZZ
                                         180        170,754.69          1
                                       5.625          1,441.53         75
                                       5.375          1,441.53
1


    RATON            NM   87740          5            10/01/02         00
    0415007814                           05           11/01/02          0
    0415007814                           O            10/01/17
    0


    8094089          E22/G02             F          399,999.00         ZZ
                                         180        398,594.03          1
                                       5.750          3,321.63         37
                                       5.500          3,321.63
    FORT WORTH       TX   76107          2            10/03/02         00
    0415019553                           05           12/01/02          0
    0415019553                           O            11/01/17
    0


    8094279          A50/G02             F           92,000.00         ZZ
                                         180         91,405.09          1
                                       6.750            814.12         80
                                       6.500            814.12
    ST MARYS         GA   31558          1            09/12/02         00
    0434692737                           05           11/01/02          0
    863122                               N            10/01/17
    0


    8095053          601/G02             F          126,900.00         ZZ
                                         180        126,088.20          4
                                       6.875          1,131.77         90
                                       6.625          1,131.77
    ORANGE PARK      FL   32073          1            09/25/02         11
    0435001805                           05           11/01/02         20
    6179644                              N            10/01/17
    0


    8095181          Q14/G02             F           58,000.00         ZZ
                                         180         57,804.77          1
                                       6.250            497.31         78
                                       6.000            497.31
    WOODWARD         IA   50276          5            10/04/02         00
    0434699559                           05           12/01/02          0
    0209341                              O            11/01/17
    0


    8095271          964/G02             F          235,000.00         ZZ
                                         180        233,345.19          1
                                       5.750          1,951.47         58
                                       5.500          1,951.47
    WALNUT           CA   91789          2            09/04/02         00
    0434732582                           05           11/01/02          0
    248991                               O            10/01/17
    0
1




    8095279          964/G02             F          151,000.00         ZZ
                                         180        149,925.43          1
                                       5.625          1,243.84         43
                                       5.375          1,243.84
    SAN LEANDRO      CA   94579          2            09/12/02         00
    0434730503                           05           11/01/02          0
    257858                               O            10/01/17
    0


    8095281          964/G02             F          128,000.00         ZZ
                                         180        127,136.09          1
                                       6.250          1,097.50         48
                                       6.000          1,097.50
    CENTERVILLE      UT   84014          5            09/16/02         00
    0434682431                           05           11/01/02          0
    258544                               O            10/01/17
    0


    8095289          964/G02             F          134,400.00         ZZ
                                         180        133,502.52          2
                                       6.375          1,161.55         80
                                       6.125          1,161.55
    MESA             AZ   85202          2            09/03/02         00
    0434695490                           05           11/01/02          0
    237505                               N            10/01/17
    0


    8095293          964/G02             F           60,000.00         ZZ
                                         180         59,590.70          1
                                       6.125            510.38         71
                                       5.875            510.38
    BAKERSFIELD      CA   93306          5            09/11/02         00
    0434695763                           05           11/01/02          0
    244815                               N            10/01/17
    0


    8095313          964/G02             F          151,200.00         ZZ
                                         180        150,124.02          1
                                       5.625          1,245.48         80
                                       5.375          1,245.48
    LAS VEGAS        NV   89142          2            09/17/02         00
    0434730297                           05           11/01/02          0
    262600                               O            10/01/17
    0


    8095319          964/G02             F          155,000.00         ZZ
                                         180        153,861.75          1
1


                                       5.250          1,246.01         61
                                       5.000          1,246.01
    NORWALK          CA   90650          5            09/16/02         00
    0434698478                           05           11/01/02          0
    248736                               O            10/01/17
    0


    8095333          U42/G02             F          100,000.00         ZZ
                                         180         99,656.14          1
                                       6.000            843.86         79
                                       5.750            843.86
    WINNSBORO        TX   75494          5            10/02/02         00
    0434887956                           05           12/01/02          0
    15208550                             O            11/01/17
    0


    8096403          624/G02             F          150,000.00         ZZ
                                         120        149,084.69          1
                                       6.000          1,665.31         67
                                       5.750          1,665.31
    SANTA MARIA      CA   93458          5            10/01/02         00
    0434718797                           05           12/01/02          0
    1000012753                           O            11/01/12
    0


    8096519          U05/G02             F           59,000.00         ZZ
                                         180         58,601.79          1
                                       6.250            505.88         23
                                       6.000            505.88
    OREGON CITY      OR   97045          2            09/20/02         00
    0434851390                           05           11/01/02          0
    3258238                              O            10/01/17
    0


    8096739          964/G02             F          125,000.00         ZZ
                                         180        124,129.03          1
                                       5.875          1,046.40         40
                                       5.625          1,046.40
    GROVER BEACH     CA   93433          5            09/23/02         00
    0434691713                           05           11/01/02          0
    258847                               O            10/01/17
    0


    8096741          964/G02             F          300,700.00         ZZ
                                         180        298,537.53          1
                                       5.500          2,456.97         31
                                       5.250          2,456.97
    TAMPA            FL   33611          5            09/23/02         00
    0434705109                           05           11/01/02          0
1


    259413                               O            10/01/17
    0


    8096747          964/G02             F          115,500.00         ZZ
                                         180        114,502.71          1
                                       6.000            974.65         80
                                       5.750            974.65
    PROVO            UT   84606          5            09/27/02         00
    0434695805                           01           11/01/02          0
    261338                               N            10/01/17
    0


    8096751          964/G02             F           65,700.00         T
                                         180         65,242.22          1
                                       5.875            549.99         90
                                       5.625            549.99
    HOOD RIVER       OR   97031          1            09/13/02         04
    0434697751                           01           11/01/02         25
    250345                               O            10/01/17
    0


    8096755          964/G02             F           80,500.00         ZZ
                                         180         79,921.09          1
                                       5.500            657.75         31
                                       5.250            657.75
    FRESNO           CA   93711          2            09/23/02         00
    0434707477                           09           11/01/02          0
    253389                               O            10/01/17
    0


    8096769          964/G02             F          195,000.00         ZZ
                                         180        193,597.67          1
                                       5.500          1,593.31         60
                                       5.250          1,593.31
    SMARTVILLE       CA   95977          5            09/17/02         00
    0434685665                           05           11/01/02          0
    245331                               O            10/01/17
    0


    8096771          964/G02             F          160,000.00         ZZ
                                         180        158,896.91          1
                                       6.000          1,350.17         48
                                       5.750          1,350.17
    SAN JOSE         CA   95131          5            09/13/02         00
    0434691721                           05           11/01/02          0
    245638                               O            10/01/17
    0


1


    8096773          964/G02             F          147,500.00         ZZ
                                         180        146,450.36          1
                                       5.625          1,215.00         64
                                       5.375          1,215.00
    ARLETA (AREA)    CA   91331          2            09/20/02         00
    0434732749                           05           11/01/02          0
    246750                               O            10/01/17
    0


    8096775          964/G02             F          159,000.00         ZZ
                                         180        157,880.38          1
                                       5.750          1,320.35         74
                                       5.500          1,320.35
    SANTA MARIA      CA   93458          5            09/16/02         00
    0434691044                           05           11/01/02          0
    248875                               O            10/01/17
    0


    8096783          964/G02             F          240,000.00         ZZ
                                         180        238,309.98          1
                                       5.750          1,992.99         77
                                       5.500          1,992.99
    KATY             TX   77450          1            09/30/02         00
    0434694709                           03           11/01/02          0
    252388                               O            10/01/17
    0


    8096787          964/G02             F          131,700.00         ZZ
                                         180        130,782.34          1
                                       5.875          1,102.49         41
                                       5.625          1,102.49
    DENVER           CO   80231          2            09/24/02         00
    0434696167                           05           11/01/02          0
    258434                               O            10/01/17
    0


    8096789          964/G02             F          180,000.00         ZZ
                                         180        178,705.54          1
                                       5.500          1,470.75         36
                                       5.250          1,470.75
    SAN FRANCISCO    CA   94112          5            09/13/02         00
    0434706958                           05           11/01/02          0
    247193                               O            10/01/17
    0


    8096791          964/G02             F          268,000.00         ZZ
                                         180        266,132.64          1
                                       5.875          2,243.48         61
                                       5.625          2,243.48
1


    SAN FRANCISCO    CA   94134          2            09/11/02         00
    0434697140                           05           11/01/02          0
    248938                               O            10/01/17
    0


    8096811          964/G02             F          202,000.00         ZZ
                                         180        200,607.35          1
                                       6.000          1,704.59         45
                                       5.750          1,704.59
    SAN FRANCISCO    CA   94116          2            09/16/02         00
    0434692133                           05           11/01/02          0
    254051                               O            10/01/17
    0


    8096813          964/G02             F          220,000.00         ZZ
                                         180        218,450.83          1
                                       5.750          1,826.90         48
                                       5.500          1,826.90
    SAN FRANCISCO    CA   94132          2            09/17/02         00
    0434691739                           05           11/01/02          0
    254087                               O            10/01/17
    0


    8096971          E22/G02             F          160,000.00         ZZ
                                         180        159,443.94          1
                                       5.875          1,339.39         80
                                       5.625          1,339.39
    KEYPORT          NJ   07735          2            10/04/02         00
    0415022052                           05           12/01/02          0
    0415022052                           O            11/01/17
    0


    8097031          E22/G02             F          121,410.00         ZZ
                                         180        121,001.34          1
                                       6.250          1,041.00         90
                                       6.000          1,041.00
    LOUISVILLE       KY   40299          1            10/09/02         10
    0414858407                           05           12/01/02         20
    0414858407                           N            11/01/17
    0


    8097039          E22/G02             F          442,400.00         ZZ
                                         180        439,317.49          1
                                       5.875          3,703.41         69
                                       5.625          3,703.41
    HOUSTON          TX   77005          5            10/01/02         00
    0414871194                           05           11/01/02          0
    0414871194                           O            10/01/17
    0
1




    8097057          E22/G02             F          150,000.00         ZZ
                                         180        149,050.00          1
                                       6.000          1,265.79         71
                                       5.750          1,265.79
    HIGHLAND         IL   62249          5            10/04/02         00
    0414897801                           05           12/01/02          0
    0414897801                           O            11/01/17
    0


    8097063          E22/G02             F          118,400.00         ZZ
                                         180        117,582.77          1
                                       6.000            999.13         80
                                       5.750            999.13
    SOUTHGATE        MI   48195          2            09/27/02         00
    0414922385                           05           11/01/02          0
    0414922385                           O            10/01/17
    0


    8097105          E22/G02             F           46,400.00         ZZ
                                         180         46,252.01          1
                                       6.875            413.82         80
                                       6.625            413.82
    SAGINAW          MI   48603          2            10/08/02         00
    0414978932                           05           12/01/02          0
    0414978932                           N            11/01/17
    0


    8097219          E82/G02             F          121,500.00         ZZ
                                         180        121,082.21          1
                                       6.000          1,025.29         68
                                       5.750          1,025.29
    CAMARILLO        CA   93010          2            09/30/02         00
    0400710240                           05           12/01/02          0
    1760103                              O            11/01/17
    0


    8097253          E82/G02             F           63,700.00         ZZ
                                         180         63,476.26          1
                                       5.750            528.97         45
                                       5.500            528.97
    LOS ANGELES      CA   90037          2            10/02/02         00
    0400709796                           05           12/01/02          0
    1701569                              O            11/01/17
    0


    8097257          E82/G02             F          123,600.00         ZZ
                                         180        123,165.86          1
1


                                       5.750          1,026.39         75
                                       5.500          1,026.39
    OKLAHOMA CITY    OK   73159          2            10/04/02         00
    0400702965                           05           12/01/02          0
    0400702965                           O            11/01/17
    0


    8097269          E82/G02             F           62,000.00         ZZ
                                         180         61,797.93          1
                                       6.625            544.36         37
                                       6.375            544.36
    AMITYVILLE       NY   11701          2            10/10/02         00
    0400695250                           05           12/01/02          0
    0400695250                           N            11/01/17
    0


    8097271          E82/G02             F           86,900.00         ZZ
                                         180         86,585.64          1
                                       6.000            733.31         73
                                       5.750            733.31
    LAPORTE          IN   46350          2            10/04/02         00
    0400693917                           05           12/01/02          0
    1880827                              O            11/01/17
    0


    8097743          642/G02             F          275,000.00         ZZ
                                         180        274,044.27          1
                                       5.875          2,302.08         78
                                       5.625          2,302.08
    EATON RAPIDS     MI   48827          5            10/03/02         00
    0434699484                           05           12/01/02          0
    08219202                             O            11/01/17
    0


    8097781          X67/G02             F          141,000.00         ZZ
                                         180        140,027.90          1
                                       6.000          1,189.84         63
                                       5.750          1,189.84
    LONG BEACH       CA   90805          5            09/23/02         00
    0434703880                           05           11/01/02          0
    00269086                             O            10/01/17
    0


    8099069          N74/G02             F           50,000.00         ZZ
                                         180         49,651.61          1
                                       5.875            418.56         46
                                       5.625            418.56
    PARKVILLE        MO   64152          5            10/03/02         00
    0434692901                           05           11/08/02          0
1


    0030853010                           O            10/08/17
    0


    8100135          738/G02             F          544,000.00         ZZ
                                         180        539,761.31          1
                                       5.875          4,553.92         50
                                       5.625          4,553.92
    DELRAY BEACH     FL   33483          2            09/25/02         00
    0434721239                           05           11/01/02          0
    40636836                             O            10/01/17
    0


    8100171          L03/G02             F           95,000.00         ZZ
                                         180         94,345.05          1
                                       6.000            801.66         59
                                       5.750            801.66
    DENVER           CO   80221          2            09/30/02         00
    0434681789                           05           11/01/02          0
    40007748                             N            10/01/17
    0


    8100341          X44/G02             F          130,000.00         ZZ
                                         180        129,452.99          1
                                       6.000          1,097.01         54
                                       5.750          1,097.01
    BOROUGH OFWALLI  NJ   07057          2            10/04/02         00
    0434723763                           07           12/01/02          0
    6741                                 O            11/01/17
    0


    8100371          X44/G02             F          209,000.00         ZZ
                                         180        207,619.21          1
                                       6.500          1,820.61         64
                                       6.250          1,820.61
    PARSIPPANY       NJ   07054          5            09/28/02         00
    0434777470                           05           11/01/02          0
    6761                                 O            10/01/17
    0


    8100673          E82/G02             F           96,000.00         ZZ
                                         180         95,669.90          2
                                       6.000            810.10         73
                                       5.750            810.10
    HOOD RIVER       OR   97031          2            10/04/02         00
    0400675302                           05           12/01/02          0
    4532142                              O            11/01/17
    0


1


    8100829          E22/G02             F          540,000.00         ZZ
                                         180        538,123.31          1
                                       5.875          4,520.44         75
                                       5.625          4,520.44
    OCEAN RIDGE      FL   33435          1            10/10/02         00
    0414992701                           01           12/01/02          0
    0414992701                           O            11/01/17
    0


    8100931          E22/G02             F           63,000.00         ZZ
                                         180         62,777.13          1
                                       6.875            561.87         60
                                       6.625            561.87
    LA (PACOIMA)     CA   91331          2            10/03/02         00
    0414813824                           05           12/01/02          0
    0414813824                           N            11/01/17
    0


    8101777          964/G02             F          185,000.00         ZZ
                                         180        183,655.57          1
                                       5.375          1,499.36         31
                                       5.125          1,499.36
    SAN FRANCISCO    CA   94122          2            09/17/02         00
    0434699120                           07           11/01/02          0
    253865                               O            10/01/17
    0


    8101787          G51/G02             F          194,000.00         ZZ
                                         180        192,731.97          1
                                       6.625          1,703.31         68
                                       6.375          1,703.31
    CONIFER          CO   80433          5            09/26/02         00
    0434778411                           05           11/01/02          0
    20001000                             O            10/01/17
    0


    8101827          U05/G02             F          203,000.00         ZZ
                                         180        201,570.54          1
                                       5.750          1,685.73         58
                                       5.500          1,685.73
    VAN NUYS         CA   91405          5            09/24/02         00
    0434824868                           05           11/01/02          0
    3264688                              O            10/01/17
    0


    8102669          X64/G02             F           82,500.00         ZZ
                                         180         82,216.32          1
                                       6.000            696.18         66
                                       5.750            696.18
1


    OAK PARK         MI   48237          5            10/07/02         00
    0434702718                           05           12/01/02          0
    0620102                              O            11/01/17
    0


    8102757          A21/G02             F          202,900.00         ZZ
                                         180        202,194.84          1
                                       5.875          1,698.52         72
                                       5.625          1,698.52
    MIDDLETOWN       NJ   07748          2            10/03/02         00
    0434718219                           05           12/01/02          0
    0100133556                           O            11/01/17
    0


    8102975          624/G02             F          520,000.00         ZZ
                                         180        518,323.47          2
                                       6.750          4,601.53         65
                                       6.500          4,601.53
    SANTA BARBARA    CA   93101          5            10/02/02         00
    0434734208                           05           12/01/02          0
    10000121131                          N            11/01/17
    0


    8103037          X66/G02             F          135,500.00         ZZ
                                         180        135,053.61          1
                                       6.500          1,180.35         85
                                       6.250          1,180.35
    FORT LAUDERDALE  FL   33311          5            10/04/02         04
    0434972873                           09           12/01/02          6
    919189                               O            11/01/17
    0


    8103979          E82/G02             F          217,000.00         ZZ
                                         180        216,253.83          2
                                       6.000          1,831.17         58
                                       5.750          1,831.17
    LONG BEACH       NY   11561          5            10/10/02         00
    0400695292                           05           12/01/02          0
    0400695292                           O            11/01/17
    0


    8103981          E82/G02             F           62,500.00         ZZ
                                         180         62,282.79          1
                                       5.875            523.20         28
                                       5.625            523.20
    EMERSON          NJ   07630          2            10/08/02         00
    0400711370                           05           12/01/02          0
    2796367                              O            11/01/17
    0
1




    8104009          E82/G02             F          107,200.00         ZZ
                                         180        106,823.47          2
                                       5.750            890.20         70
                                       5.500            890.20
    WHITMAN          MA   02382          2            10/08/02         00
    0400712972                           05           12/01/02          0
    1713971                              O            11/01/17
    0


    8104015          E82/G02             F           56,300.00         ZZ
                                         180         56,106.41          1
                                       6.000            475.09         82
                                       5.750            475.09
    HOUSTON          TX   77067          2            10/10/02         04
    0400695573                           05           12/01/02         12
    3997343                              O            11/01/17
    0


    8104091          K39/G02             F           63,000.00         ZZ
                                         180         62,796.88          1
                                       6.750            557.50         79
                                       6.500            557.50
    BELMONT          MS   38827          5            09/20/02         00
    0434695789                           05           12/01/02          0
    427373162                            O            11/01/17
    0


    8104129          E22/G02             F          315,000.00         ZZ
                                         180        313,984.42          1
                                       6.750          2,787.46         88
                                       6.500          2,787.46
    CARTER LAKE      IA   51510          5            10/07/02         04
    0414791962                           05           12/01/02         12
    0414791962                           O            11/01/17
    0


    8104149          E22/G02             F           63,700.00         ZZ
                                         180         63,485.59          1
                                       6.250            546.18         47
                                       6.000            546.18
    CHESTER          PA   19013          2            10/07/02         00
    0414837328                           05           12/01/02          0
    0414837328                           O            11/01/17
    0


    8104185          E22/G02             F           97,500.00         ZZ
                                         180         97,171.82          2
1


                                       6.250            835.99         75
                                       6.000            835.99
    AUSTIN           TX   78702          5            10/11/02         00
    0414887133                           05           12/01/02          0
    0414887133                           N            11/01/17
    0


    8104199          E22/G02             F           50,000.00         ZZ
                                         180         49,835.28          1
                                       6.500            435.55         68
                                       6.250            435.55
    LA MIRADA        CA   90638          5            10/04/02         00
    0414907105                           01           12/01/02          0
    0414907105                           N            11/01/17
    0


    8104243          E22/G02             F          116,300.00         ZZ
                                         180        115,891.50          1
                                       5.750            965.77         51
                                       5.500            965.77
    KENDALL PARK     NJ   08824          2            10/07/02         00
    0414965384                           05           12/01/02          0
    0414965384                           O            11/01/17
    0


    8104317          E22/G02             F          138,000.00         ZZ
                                         180        137,510.13          1
                                       5.625          1,136.75         80
                                       5.375          1,136.75
    YUMA             CO   80759          2            10/07/02         00
    0415031194                           05           12/01/02          0
    0415031194                           O            11/01/17
    0


    8104367          E22/G02             F          175,000.00         ZZ
                                         180        174,435.79          4
                                       6.750          1,548.59         57
                                       6.500          1,548.59
    TAUNTON          MA   02780          5            10/11/02         00
    0415081116                           05           12/01/02          0
    0415081116                           N            11/01/17
    0


    8104371          E22/G02             F          175,000.00         ZZ
                                         180        174,435.79          4
                                       6.750          1,548.59         57
                                       6.500          1,548.59
    TAUNTON          MA   02780          5            10/11/02         00
    0415082080                           05           12/01/02          0
1


    0415082080                           N            11/01/17
    0


    8104379          E22/G02             F          216,000.00         ZZ
                                         120        214,672.99          1
                                       5.875          2,384.51         78
                                       5.625          2,384.51
    SOUTHGATE        MI   48195          2            10/09/02         00
    0415088574                           05           12/01/02          0
    0415088574                           O            11/01/12
    0


    8104681          U28/G02             F           94,500.00         ZZ
                                         180         94,181.93          1
                                       6.250            810.26         75
                                       6.000            810.26
    CARTERSVILLE     GA   30120          5            10/04/02         00
    0434737854                           05           12/01/02          0
    2000005319                           O            11/01/17
    0


    8104801          U05/G02             F          450,000.00         ZZ
                                         180        448,419.40          1
                                       5.750          3,736.85         66
                                       5.500          3,736.85
    CALABASAS        CA   91302          5            10/01/02         00
    0434726287                           05           12/01/02          0
    3264394                              O            11/01/17
    0


    8105581          X51/G02             F          374,100.00         ZZ
                                         180        372,799.87          1
                                       5.875          3,131.66         87
                                       5.625          3,131.66
    LOS ANGELES      CA   90065          5            10/05/02         10
    0434733614                           05           12/01/02         25
    R2053954                             O            11/01/17
    0


    8105815          E45/G02             F           40,000.00         ZZ
                                         180         39,724.23          1
                                       6.000            337.54         64
                                       5.750            337.54
    EDGEWATER        FL   32132          1            09/18/02         00
    0434753489                           09           11/01/02          0
    279898                               N            10/01/17
    0


1


    8106219          K15/G02             F           43,200.00         ZZ
                                         180         43,062.22          1
                                       6.875            385.28         38
                                       6.625            385.28
    GLOUCESTER TOWN  NJ   08081          5            10/01/02         00
    0434737474                           05           12/01/02          0
    013805310166                         O            11/01/17
    0


    8106375          N47/G02             F          405,500.00         ZZ
                                         180        404,075.71          1
                                       5.750          3,367.31         23
                                       5.500          3,367.31
    MORGAN HILL      CA   95037          2            10/02/02         00
    0434732954                           05           12/01/02          0
    20321300                             O            11/01/17
    0


    8106735          E45/G02             F          136,500.00         ZZ
                                         180        135,214.43          2
                                       7.125          1,236.46         75
                                       6.875          1,236.46
    SMYRNA           GA   30080          2            08/08/02         00
    0434753703                           05           10/01/02          0
    257396                               N            09/01/17
    0


    8107617          E82/G02             F           66,000.00         ZZ
                                         180         65,775.47          1
                                       6.125            561.41         78
                                       5.875            561.41
    IDAHO FALLS      ID   83402          5            10/03/02         00
    0400688974                           05           12/01/02          0
    0400688974                           O            11/01/17
    0


    8107641          E82/G02             F           55,600.00         ZZ
                                         180         55,240.47          1
                                       6.750            492.01         35
                                       6.500            492.01
    WASHINGTON       DC   20002          2            09/30/02         00
    0400681649                           05           11/01/02          0
    1559943                              N            10/01/17
    0


    8107651          E82/G02             F          102,000.00         ZZ
                                         180        101,649.27          1
                                       6.000            860.73         56
                                       5.750            860.73
1


    HEFLIN           LA   71039          2            10/08/02         00
    0400688388                           05           12/01/02          0
    0400688388                           O            11/01/17
    0


    8107665          E82/G02             F          104,100.00         ZZ
                                         180        103,745.84          1
                                       6.125            885.50         52
                                       5.875            885.50
    ATLANTA          GA   30340          2            10/01/02         00
    0400694691                           05           12/01/02          0
    1547956                              O            11/01/17
    0


    8107695          E82/G02             F          163,800.00         ZZ
                                         180        163,260.38          3
                                       6.500          1,426.87         60
                                       6.250          1,426.87
    BROCKTON         MA   02301          2            10/15/02         00
    0400693636                           05           12/01/02          0
    3909960                              N            11/01/17
    0


    8107697          E82/G02             F          143,500.00         ZZ
                                         180        143,017.00          1
                                       6.250          1,230.40         56
                                       6.000          1,230.40
    CORAL SPRINGS    FL   33065          2            10/08/02         00
    0400683371                           05           12/01/02          0
    1600261                              O            11/01/17
    0


    8107713          E82/G02             F          118,500.00         ZZ
                                         180        118,092.53          1
                                       6.000            999.97         68
                                       5.750            999.97
    TUPELO           MS   38802          2            10/08/02         00
    0400695151                           05           12/01/02          0
    5189898                              O            11/01/17
    0


    8107723          E82/G02             F          106,600.00         ZZ
                                         180        106,252.58          1
                                       6.625            935.94         63
                                       6.375            935.94
    SUNRIVER         OR   97707          2            10/14/02         00
    0400689907                           03           12/01/02          0
    1985655                              N            11/01/17
    0
1




    8108069          U35/G02             F           73,500.00         ZZ
                                         180         73,249.95          1
                                       6.125            625.21         78
                                       5.875            625.21
    FRESNO           CA   93705          5            10/10/02         00
    0434714424                           05           12/01/02          0
    9785022                              O            11/01/17
    0


    8108211          T29/G02             F          250,000.00         ZZ
                                         180        249,121.89          1
                                       5.750          2,076.03         41
                                       5.500          2,076.03
    LAKESIDE         AZ   85929          2            10/01/02         00
    0434789111                           05           12/01/02          0
    1523599                              O            11/01/17
    0


    8108217          W35/G02             F          138,800.00         ZZ
                                         180        138,307.29          1
                                       5.625          1,143.34         80
                                       5.375          1,143.34
    FARMINGTON       NM   87402          5            10/01/02         00
    0434743696                           05           12/01/02          0
    14438                                O            11/01/17
    0


    8108229          A06/G02             F          165,000.00         ZZ
                                         180        164,432.63          1
                                       6.000          1,392.37         56
                                       5.750          1,392.37
    NOVI             MI   48375          5            10/02/02         00
    0434719050                           05           12/01/02          0
    1                                    O            11/01/17
    0


    8108555          E45/G02             F          224,000.00         ZZ
                                         180        221,677.71          2
                                       6.000          1,890.24         80
                                       5.750          1,890.24
    WEST PALM BEACH  FL   33411          5            08/30/02         00
    0434712576                           05           10/01/02          0
    276313                               N            09/01/17
    0


    8108577          E45/G02             F          224,000.00         ZZ
                                         180        221,677.71          2
1


                                       6.000          1,890.24         80
                                       5.750          1,890.24
    ROYAL PALM BEAC  FL   33411          5            08/30/02         00
    0434712246                           05           10/01/02          0
    276310                               N            09/01/17
    0


    8108639          E45/G02             F           83,700.00         ZZ
                                         120         82,118.57          1
                                       5.500            908.36         50
                                       5.250            908.36
    NASHVILLE        TN   37211          2            08/30/02         00
    0434712022                           05           10/01/02          0
    274434                               O            09/01/12
    0


    8108703          E45/G02             F           50,000.00         ZZ
                                         120         49,364.91          1
                                       6.375            564.57         60
                                       6.125            564.57
    CARTERSVILLE     GA   30121          5            09/09/02         00
    0434716221                           05           11/01/02          0
    252684                               O            10/01/12
    0


    8109183          M37/G02             F          155,250.00         ZZ
                                         180        154,716.16          1
                                       6.000          1,310.09         90
                                       5.750          1,310.09
    SCOTTSDALE       AZ   85258          1            10/03/02         04
    0434734687                           01           12/01/02         30
    609068                               O            11/01/17
    0


    8109213          W35/G02             F          139,200.00         ZZ
                                         120        137,401.54          1
                                       5.750          1,527.99         80
                                       5.500          1,527.99
    BURLINGTON       WI   53105          5            09/24/02         00
    0434731709                           05           11/01/02          0
    14097                                O            10/01/12
    0


    8109305          822/G02             F           35,000.00         ZZ
                                         180         34,758.70          1
                                       6.000            295.35         70
                                       5.750            295.35
    SHAMOKIN         PA   17862          1            09/27/02         00
    0434848594                           05           11/01/02          0
1


    3636074636                           N            10/01/17
    0


    8109471          K15/G02             F           99,300.00         ZZ
                                         180         98,965.77          1
                                       6.250            851.42         50
                                       6.000            851.42
    YORK BEACH       ME   03910          5            10/09/02         00
    0434744082                           05           12/01/02          0
    007605503580                         O            11/01/17
    0


    8109495          M27/G02             F          561,600.00         ZZ
                                         180        557,487.99          1
                                       5.875          4,701.26         80
                                       5.625          4,701.26
    GREENSBORO       NC   27455          5            09/26/02         00
    0434774139                           03           11/01/02          0
    0600817287                           O            10/01/17
    0


    8109983          E82/G02             F           45,200.00         ZZ
                                         180         45,054.27          1
                                       6.750            399.98         47
                                       6.500            399.98
    ALLISON PARK     PA   15101          5            10/10/02         00
    0400680203                           03           12/01/02          0
    0400680203                           O            11/01/17
    0


    8109995          E82/G02             F          128,300.00         ZZ
                                         180        127,849.35          1
                                       5.750          1,065.42         22
                                       5.500          1,065.42
    CARMICHAEL       CA   95608          2            10/08/02         00
    0400713392                           05           12/01/02          0
    1801531                              O            11/01/17
    0


    8110005          E82/G02             F           97,500.00         ZZ
                                         180         97,168.30          1
                                       6.125            829.36         33
                                       5.875            829.36
    SANTA ROSA       CA   95404          2            10/11/02         00
    0400689782                           05           12/01/02          0
    1864130                              N            11/01/17
    0


1


    8110055          K15/G02             F          201,600.00         ZZ
                                         180        200,891.89          2
                                       5.750          1,674.11         80
                                       5.500          1,674.11
    MANCHESTER       NH   03102          5            10/09/02         00
    0434777173                           05           12/01/02          0
    033605503716                         O            11/01/17
    0


    8110077          E22/G02             F          343,625.00         ZZ
                                         180        342,418.04          1
                                       5.750          2,853.50         68
                                       5.500          2,853.50
    BRIGHTWOOD       VA   22715          2            10/07/02         00
    0414699421                           05           12/01/02          0
    0414699421                           O            11/01/17
    0


    8110139          E22/G02             F          106,500.00         ZZ
                                         180        106,133.79          1
                                       6.000            898.71         79
                                       5.750            898.71
    OKLAHOMA CITY    OK   73132          5            10/08/02         00
    0414896951                           05           12/01/02          0
    0414896951                           O            11/01/17
    0


    8110145          E22/G02             F          268,850.00         ZZ
                                         180        267,905.68          1
                                       5.750          2,232.56         27
                                       5.500          2,232.56
    DALLAS           TX   75209          2            10/09/02         00
    0414901181                           03           12/01/02          0
    0414901181                           O            11/01/17
    0


    8110179          E22/G02             F          257,250.00         ZZ
                                         180        256,420.60          3
                                       6.750          2,276.43         70
                                       6.500          2,276.43
    RARITAN          NJ   08869          1            10/15/02         00
    0414934349                           05           12/01/02          0
    0414934349                           O            11/01/17
    0


    8110185          E22/G02             F          239,200.00         ZZ
                                         180        238,350.88          1
                                       5.625          1,970.37         80
                                       5.375          1,970.37
1


    SAN ANTONIO      TX   78258          1            10/11/02         00
    0414935940                           03           12/01/02          0
    0414935940                           O            11/01/17
    0


    8110197          E22/G02             F           86,400.00         ZZ
                                         180         86,106.06          1
                                       6.125            734.94         80
                                       5.875            734.94
    CONROE           TX   77385          5            10/08/02         00
    0414945634                           03           12/01/02          0
    0414945634                           O            11/01/17
    0


    8110219          E22/G02             F           84,000.00         ZZ
                                         180         83,708.07          1
                                       5.875            703.18         70
                                       5.625            703.18
    MIAMI            FL   33157          2            10/09/02         00
    0414967620                           05           12/01/02          0
    0414967620                           O            11/01/17
    0


    8110221          E22/G02             F           96,600.00         ZZ
                                         180         96,264.28          1
                                       5.875            808.66         60
                                       5.625            808.66
    SOUTHSIDE        AL   35907          5            10/09/02         00
    0414967703                           05           12/01/02          0
    0414967703                           O            11/01/17
    0


    8110241          E22/G02             F          262,500.00         ZZ
                                         180        261,577.98          1
                                       5.750          2,179.83         75
                                       5.500          2,179.83
    SANTA CLARITA    CA   91390          5            10/07/02         00
    0414985390                           05           12/01/02          0
    0414985390                           O            11/01/17
    0


    8110253          E22/G02             F           80,000.00         ZZ
                                         180         79,724.91          1
                                       6.000            675.09         77
                                       5.750            675.09
    WEST COLUMBIA    SC   29169          5            10/09/02         00
    0414996058                           05           12/01/02          0
    0414996058                           O            11/01/17
    0
1




    8110291          E22/G02             F           64,000.00         ZZ
                                         180         63,777.57          1
                                       5.875            535.76         80
                                       5.625            535.76
    HOUSTON          TX   77045          5            10/08/02         00
    0415025220                           05           12/01/02          0
    0415025220                           O            11/01/17
    0


    8110301          E22/G02             F          317,000.00         ZZ
                                         180        315,886.56          1
                                       5.750          2,632.40         57
                                       5.500          2,632.40
    SAN LEANDRO      CA   94578          5            10/04/02         00
    0415031889                           05           12/01/02          0
    0415031889                           O            11/01/17
    0


    8110367          E22/G02             F           28,000.00         ZZ
                                         120         27,831.45          1
                                       6.250            314.38         80
                                       6.000            314.38
    HOUSTON          TX   77053          1            10/14/02         00
    0415064591                           05           12/01/02          0
    0415064591                           N            11/01/12
    0


    8110381          E22/G02             F          493,000.00         ZZ
                                         180        491,286.66          1
                                       5.875          4,126.99         42
                                       5.625          4,126.99
    HOLMDEL          NJ   07733          2            10/09/02         00
    0415072966                           05           12/01/02          0
    0415072966                           O            11/01/17
    0


    8110389          E22/G02             F           90,000.00         ZZ
                                         180         89,690.53          1
                                       6.000            759.47         77
                                       5.750            759.47
    HOUSTON          TX   77036          5            10/09/02         00
    0415076397                           03           12/01/02          0
    0415076397                           O            11/01/17
    0


    8110427          E22/G02             F          250,000.00         ZZ
                                         180        249,176.40          1
1


                                       6.500          2,177.77         76
                                       6.250          2,177.77
    BRIDGEWATER TOW  NJ   08805          5            10/09/02         00
    0415096635                           05           12/01/02          0
    0415096635                           O            11/01/17
    0


    8110433          E22/G02             F          529,750.00         T
                                         180        528,042.03          1
                                       6.750          4,687.81         65
                                       6.500          4,687.81
    BEAVER CREEK     CO   81620          1            10/11/02         00
    0415104595                           21           12/01/02          0
    0415104595                           O            11/01/17
    0


    8110449          E22/G02             F           78,500.00         ZZ
                                         180         78,230.07          1
                                       6.000            662.43         27
                                       5.750            662.43
    FRUITA           CO   81521          5            10/08/02         00
    0415117951                           05           12/01/02          0
    0415117951                           O            11/01/17
    0


    8110519          E22/G02             F           57,375.00         ZZ
                                         180         57,185.98          1
                                       6.500            499.80         75
                                       6.250            499.80
    MERRILLVILLE     IN   46410          1            10/15/02         00
    0415194299                           05           12/01/02          0
    0415194299                           O            11/01/17
    0


    8110721          L03/G02             F          630,000.00         ZZ
                                         180        624,982.88          1
                                       6.000          5,316.30         75
                                       5.750          5,316.30
    HIGHLANDS RANCH  CO   80129          1            09/27/02         00
    0434766267                           03           11/01/02          0
    40001646                             O            10/01/17
    0


    8110863          Q87/G02             F           60,000.00         ZZ
                                         180         59,581.94          1
                                       5.875            502.27         73
                                       5.625            502.27
    SILVERHILL       AL   36576          5            10/08/02         00
    0434768131                           05           11/15/02          0
1


    JEJU01                               O            10/15/17
    0


    8110959          Q87/G02             F           74,800.00         ZZ
                                         180         74,321.49          1
                                       6.875            667.11         85
                                       6.625            667.11
    MOBILE           AL   36618          5            10/11/02         10
    0434789020                           05           11/17/02          6
    GREM01                               O            10/17/17
    0


    8113713          N67/G02             F          338,300.00         ZZ
                                         180        335,487.68          1
                                       5.625          2,786.68         60
                                       5.375          2,786.68
    PHOENIX          AZ   85018          2            09/03/02         00
    0434746400                           05           11/01/02          0
    1760003039A                          O            10/01/17
    0


    8114101          N67/G02             F          103,000.00         ZZ
                                         180        102,081.19          1
                                       7.750            969.51         73
                                       7.500            969.51
    PORTLAND         TX   78374          2            08/27/02         00
    0434750105                           05           10/01/02          0
    1161002060A                          O            09/01/17
    0


    8114175          N67/G02             F           93,075.00         ZZ
                                         180         92,244.72          1
                                       7.750            876.09         73
                                       7.500            876.09
    AUSTELL          GA   30106          5            08/26/02         00
    0434751269                           05           10/01/02          0
    3255003097A                          N            09/01/17
    0


    8114773          367/367             F          462,000.00         ZZ
                                         180        460,394.38          1
                                       5.875          3,867.49         51
                                       5.625          3,867.49
    BETHESDA         MD   20817          2            10/04/02         00
    99095733                             03           12/01/02          0
    99095733                             N            11/01/17
    0


1


    8114823          P34/G02             F          105,700.00         ZZ
                                         180        105,045.43          1
                                       7.250            964.90         90
                                       7.000            964.90
    NOTTINGHAM       MD   21236          2            09/24/02         10
    0434848842                           01           11/01/02         12
    15387                                O            10/01/17
    0


    8114955          U05/G02             F          390,000.00         ZZ
                                         180        388,644.61          1
                                       5.875          3,264.76         80
                                       5.625          3,264.76
    LOUISVILLE       CO   80027          5            10/03/02         00
    0434738530                           03           12/01/02          0
    3264539                              O            11/01/17
    0


    8114983          U05/G02             F           49,000.00         ZZ
                                         180         48,692.86          2
                                       6.750            433.61         77
                                       6.500            433.61
    INDIANAPOLIS     IN   46201          2            10/07/02         00
    0434774360                           05           11/01/02          0
    3264493                              N            10/01/17
    0


    8114985          E57/G02             F          277,200.00         ZZ
                                         180        276,236.63          1
                                       5.875          2,320.49         66
                                       5.625          2,320.49
    SILVERADO        CA   92676          5            10/02/02         00
    0434789087                           05           12/01/02          0
    061010100                            O            11/01/17
    0


    8115227          N74/G02             F           77,000.00         ZZ
                                         180         76,738.04          3
                                       6.125            654.98         70
                                       5.875            654.98
    DANVILLE         VA   24540          1            10/11/02         00
    0434820775                           05           12/01/02          0
    0030877010                           O            11/01/17
    0


    8115291          W68/G02             F           60,000.00         ZZ
                                         180         59,607.82          1
                                       6.625            526.80         80
                                       6.375            526.80
1


    FORT WORTH       TX   76107          1            09/23/02         00
    0434782603                           05           11/01/02          0
    30003                                N            10/01/17
    0


    8115737          E82/G02             F          248,000.00         ZZ
                                         180        247,165.26          1
                                       6.250          2,126.41         80
                                       6.000          2,126.41
    BOULDER CREEK    CA   95006          5            10/08/02         00
    0400697124                           05           12/01/02          0
    0400697124                           O            11/01/17
    0


    8115769          E82/G02             F          139,500.00         ZZ
                                         180        139,025.41          1
                                       6.125          1,186.62         90
                                       5.875          1,186.62
    INDIANAPOLIS     IN   46227          2            10/11/02         10
    0400708079                           05           12/01/02         12
    7299520                              O            11/01/17
    0


    8115775          E82/G02             F           63,100.00         ZZ
                                         180         62,885.33          1
                                       6.125            536.74         46
                                       5.875            536.74
    GREEN MOUNTAIN   CO   80819          2            10/11/02         00
    0400698130                           05           12/01/02          0
    1945552                              O            11/01/17
    0


    8115859          144/144             F           71,000.00         ZZ
                                         180         70,510.50          1
                                       6.000            599.14         51
                                       5.750            599.14
    KINGSTON         NY   12401          5            09/23/02         00
    160698753                            05           11/01/02          0
    160698753                            O            10/01/17
    0


    8116329          E22/G02             F           45,000.00         ZZ
                                         180         44,848.53          1
                                       6.250            385.84         57
                                       6.000            385.84
    PAPILLION        NE   68046          5            10/10/02         00
    0415011832                           05           12/01/02          0
    0415011832                           O            11/01/17
    0
1




    8116355          E22/G02             F           59,600.00         ZZ
                                         180         59,397.24          2
                                       6.125            506.97         80
                                       5.875            506.97
    PUEBLO           CO   81001          2            10/16/02         00
    0415029719                           05           12/01/02          0
    0415029719                           N            11/01/17
    0


    8116377          E22/G02             F           80,600.00         ZZ
                                         180         80,325.80          1
                                       6.125            685.60         65
                                       5.875            685.60
    SACRAMENTO       CA   95815          5            10/07/02         00
    0415057900                           05           12/01/02          0
    0415057900                           O            11/01/17
    0


    8116403          E22/G02             F          103,210.00         ZZ
                                         180        102,847.48          1
                                       5.750            857.07         78
                                       5.500            857.07
    FLOWER MOUND     TX   75028          2            10/11/02         00
    0415077585                           05           12/01/02          0
    0415077585                           N            11/01/17
    0


    8116429          E22/G02             F           76,000.00         ZZ
                                         180         75,738.67          1
                                       6.000            641.33         80
                                       5.750            641.33
    MIDDLETON        ID   83644          5            10/07/02         00
    0415163229                           05           12/01/02          0
    0415163229                           O            11/01/17
    0


    8116459          E22/G02             F          130,200.00         ZZ
                                         180        129,742.69          1
                                       5.750          1,081.19         72
                                       5.500          1,081.19
    OMAHA            NE   68136          2            10/10/02         00
    0415103191                           05           12/01/02          0
    0415103191                           O            11/01/17
    0


    8116883          N67/G02             F           33,150.00         ZZ
                                         180         32,929.31          1
1


                                       7.250            302.61         67
                                       7.000            302.61
    TYLER            TX   75702          1            09/23/02         00
    0434758009                           05           11/01/02          0
    1161002247A                          O            10/01/17
    0


    8117937          W35/G02             F          129,500.00         ZZ
                                         180        129,035.41          1
                                       5.500          1,058.13         71
                                       5.250          1,058.13
    LOWELL           MA   01851          5            10/09/02         00
    0434768768                           05           12/01/02          0
    14508                                O            11/01/17
    0


    8118057          W35/G02             F          245,000.00         ZZ
                                         180        244,121.06          1
                                       5.500          2,001.86         62
                                       5.250          2,001.86
    NORFOLK          MA   02056          5            10/04/02         00
    0434768818                           05           12/01/02          0
    14361                                O            11/01/17
    0


    8118099          477/G02             F          143,000.00         ZZ
                                         180        142,518.68          1
                                       6.250          1,226.11         65
                                       6.000          1,226.11
    MODESTO          CA   95357          5            10/01/02         00
    0434796629                           05           12/01/02          0
    247470                               O            11/01/17
    0


    8118147          K15/G02             F          135,500.00         ZZ
                                         180        135,043.92          1
                                       6.250          1,161.81         85
                                       6.000          1,161.81
    NORTH PROVIDENC  RI   02904          5            10/08/02         41
    0434781787                           05           12/01/02          6
    029705502703                         O            11/01/17
    0


    8118203          G34/G02             F           84,000.00         ZZ
                                         180         83,717.26          1
                                       6.250            720.24         80
                                       6.000            720.24
    AMARILLO         TX   79109          5            10/03/02         00
    0434791703                           05           12/01/02          0
1


    85207398                             O            11/01/17
    0


    8118395          P01/G02             F           44,091.00         ZZ
                                         180         43,798.84          1
                                       6.750            390.17         69
                                       6.500            390.17
    UTICA            NY   13502          1            10/07/02         00
    0434786919                           05           12/01/02          0
    02003111                             N            11/01/17
    0


    8118409          R84/G02             F          540,000.00         ZZ
                                         180        538,123.31          1
                                       5.875          4,520.44         62
                                       5.625          4,520.44
    HOUSTON          TX   77005          5            10/09/02         00
    0434770244                           05           12/01/02          0
    627380                               O            11/01/17
    0


    8118613          R84/G02             F          163,500.00         ZZ
                                         180        162,925.72          1
                                       5.750          1,357.72         78
                                       5.500          1,357.72
    LAS VEGAS        NV   89123          5            10/08/02         00
    0434793378                           03           12/01/02          0
    LVW4834                              O            11/01/17
    0


    8118879          L20/G02             F           49,000.00         ZZ
                                         180         48,838.58          2
                                       6.500            426.84         59
                                       6.250            426.84
    TWIN FALLS       ID   83301          2            10/11/02         00
    0434789798                           05           12/01/02          0
    716205                               N            11/01/17
    0


    8119547          E82/G02             F           60,000.00         ZZ
                                         180         59,806.55          1
                                       6.750            530.95         52
                                       6.500            530.95
    ALPHARETTA       GA   30004          2            10/08/02         00
    0400705422                           05           12/01/02          0
    1653749                              N            11/01/17
    0


1


    8119553          E82/G02             F           66,500.00         ZZ
                                         180         66,271.34          1
                                       6.000            561.16         46
                                       5.750            561.16
    PENSACOLA        FL   32504          2            10/15/02         00
    0400715215                           05           12/01/02          0
    1607710                              O            11/01/17
    0


    8119579          E82/G02             F           72,000.00         ZZ
                                         180         71,747.10          1
                                       5.750            597.90         33
                                       5.500            597.90
    LONDONDERRY      NH   03053          2            10/14/02         00
    0400711834                           05           12/01/02          0
    1629810                              O            11/01/17
    0


    8119597          E82/G02             F          100,000.00         ZZ
                                         180         99,510.32          1
                                       6.500            871.11         53
                                       6.250            871.11
    SALEM            OR   97301          2            10/16/02         00
    0400698379                           05           12/01/02          0
    1805990                              N            11/01/17
    0


    8120757          A21/G02             F          165,000.00         ZZ
                                         120        163,979.43          2
                                       5.750          1,811.20         43
                                       5.500          1,811.20
    JERSEY CITY      NJ   07306          2            10/10/02         00
    0434942041                           05           12/01/02          0
    0700000038                           O            11/01/12
    0


    8120857          E22/G02             F           96,000.00         ZZ
                                         180         95,666.37          1
                                       5.875            803.63         34
                                       5.625            803.63
    LOON LAKE        WA   99148          5            10/01/02         00
    0414977819                           05           12/01/02          0
    0414977819                           O            11/01/17
    0


    8120921          E22/G02             F          105,600.00         ZZ
                                         180        105,252.11          1
                                       6.500            919.89         80
                                       6.250            919.89
1


    FRUITA           CO   81521          2            10/17/02         00
    0415008622                           03           12/01/02          0
    0415008622                           N            11/01/17
    0


    8120927          E22/G02             F           97,600.00         ZZ
                                         180         97,278.47          1
                                       6.500            850.20         80
                                       6.250            850.20
    FRUITA           CO   81521          2            10/17/02         00
    0415008739                           03           12/01/02          0
    0415008739                           N            11/01/17
    0


    8120969          E22/G02             F          270,000.00         ZZ
                                         180        269,091.21          2
                                       6.250          2,315.04         74
                                       6.000          2,315.04
    CLIFTON          NJ   07014          2            10/11/02         00
    0415040344                           05           12/01/02          0
    0415040344                           O            11/01/17
    0


    8121135          E22/G02             F          121,500.00         ZZ
                                         180        121,068.70          1
                                       5.625          1,000.83         76
                                       5.375          1,000.83
    DECATUR          AL   35603          2            10/11/02         00
    0415112853                           05           12/01/02          0
    0415112853                           O            11/01/17
    0


    8122025          964/G02             F          229,000.00         ZZ
                                         180        227,404.40          1
                                       5.875          1,917.00         71
                                       5.625          1,917.00
    PHOENIX          AZ   85044          2            09/30/02         00
    0434978862                           03           11/01/02          0
    247785                               O            10/01/17
    0


    8122235          U05/G02             F          576,000.00         ZZ
                                         180        573,998.20          1
                                       5.875          4,821.80         80
                                       5.625          4,821.80
    ALLEN            TX   75013          5            10/03/02         00
    0434975256                           03           12/01/02          0
    3260864                              O            11/01/17
    0
1




    8122589          624/G02             F          341,000.00         ZZ
                                         180        339,827.45          1
                                       6.000          2,877.55         78
                                       5.750          2,877.55
    STOCKTON         CA   95209          5            10/07/02         00
    0434775516                           05           12/01/02          0
    1000012895                           O            11/01/17
    0


    8123857          E84/G02             F          120,000.00         ZZ
                                         180        119,172.68          1
                                       6.000          1,012.63         80
                                       5.750          1,012.63
    ANNAPOLIS        MD   21403          1            09/30/02         00
    0434770103                           09           11/01/02          0
    86520123                             N            10/01/17
    0


    8125769          405/405             F          439,000.00         ZZ
                                         180        435,973.37          1
                                       6.000          3,704.54         74
                                       5.500          3,704.54
    SAN DIEGO        CA   92117          5            09/19/02         00
    0018771881                           05           11/01/02          0
    0018771881                           O            10/01/17
    0


    8125783          405/405             F          540,000.00         ZZ
                                         180        536,394.03          1
                                       6.375          4,666.96         62
                                       5.625          4,666.96
    VISTA            CA   92084          5            09/26/02         00
    0018806968                           05           11/01/02          0
    0018806968                           O            10/01/17
    0


    8127891          N67/G02             F           35,000.00         ZZ
                                         180         34,776.10          1
                                       6.875            312.15         42
                                       6.625            312.15
    KANSAS CITY      MO   64114          1            09/20/02         00
    0434745014                           05           11/01/02          0
    1161002229A                          O            10/01/17
    0


    8127967          N67/G02             F          447,600.00         ZZ
                                         180        444,414.77          1
1


                                       5.625          3,687.02         80
                                       5.375          3,687.02
    RENO             NV   89509          2            09/10/02         00
    0434745576                           05           11/01/02          0
    1260004823A                          O            10/01/17
    0


    8128905          168/168             F           41,600.00         ZZ
                                         180         41,462.95          1
                                       6.500            362.38         80
                                       6.250            362.38
    ONTARIO          NY   14519          1            10/04/02         00
    0089711262                           09           12/01/02          0
    0089711262                           N            11/01/17
    0


    8129039          E82/G02             F          141,500.00         ZZ
                                         180        141,008.24          1
                                       5.875          1,184.52         57
                                       5.625          1,184.52
    JACKSON          NJ   08527          2            10/17/02         00
    0400714572                           05           12/01/02          0
    1651844                              O            11/01/17
    0


    8129147          T24/G02             F           81,000.00         ZZ
                                         180         80,498.40          1
                                       7.250            739.42         90
                                       7.000            739.42
    KANSAS CITY      KS   66102          5            09/20/02         11
    0434930665                           05           11/01/02         25
    0001518285                           O            10/01/17
    0


    8129167          F89/G02             F          450,500.00         ZZ
                                         180        448,917.65          1
                                       5.750          3,741.00         48
                                       5.500          3,741.00
    LOS ANGELES      CA   90046          2            10/02/02         00
    0434782736                           05           12/01/02          0
    23856                                O            11/01/17
    0


    8129251          405/405             F          507,000.00         ZZ
                                         180        503,614.38          1
                                       6.375          4,381.75         72
                                       5.875          4,381.75
    NAPA             CA   94558          5            09/19/02         00
    0060081304                           05           11/01/02          0
1


    0060081304                           O            10/01/17
    0


    8129645          L76/G02             F          105,500.00         ZZ
                                         180        105,117.51          1
                                       5.375            855.04         44
                                       5.125            855.04
    FARIBAULT        MN   55021          2            10/17/02         00
    0434793683                           05           12/01/02          0
    9507047                              O            11/01/17
    0


    8129701          477/G02             F          175,000.00         ZZ
                                         180        173,497.02          1
                                       6.000          1,476.75         60
                                       5.750          1,476.75
    GILBERT          AZ   85234          5            09/27/02         00
    0434828588                           05           11/01/02          0
    238207                               O            10/01/17
    0


    8129969          E22/G02             F          229,500.00         ZZ
                                         180        228,719.23          1
                                       6.125          1,952.18         90
                                       5.875          1,952.18
    ELK GROVE        CA   95758          5            10/08/02         04
    0414883959                           05           12/01/02         12
    0414883959                           O            11/01/17
    0


    8130033          E22/G02             F          177,600.00         ZZ
                                         120        176,538.17          1
                                       6.375          2,005.33         93
                                       6.125          2,005.33
    VICTORVILLE      CA   92392          5            10/07/02         11
    0414998849                           05           12/01/02         25
    0414998849                           O            11/01/12
    0


    8130059          E22/G02             F          160,000.00         ZZ
                                         180        159,438.01          1
                                       5.750          1,328.66         44
                                       5.500          1,328.66
    ESTES PARK       CO   80517          1            10/18/02         00
    0415029214                           05           12/01/02          0
    0415029214                           O            11/01/17
    0


1


    8130269          E22/G02             F           63,000.00         ZZ
                                         180         62,781.06          1
                                       5.875            527.38         70
                                       5.625            527.38
    HURST            TX   76053          2            10/14/02         00
    0414995928                           05           12/01/02          0
    0414995928                           O            11/01/17
    0


    8130271          E22/G02             F           72,800.00         ZZ
                                         120         72,352.75          1
                                       5.875            803.67         77
                                       5.625            803.67
    BESSEMER         AL   35023          5            10/14/02         00
    0415050186                           05           12/01/02          0
    0415050186                           O            11/01/12
    0


    8130295          E22/G02             F          120,500.00         ZZ
                                         180        120,072.24          1
                                       5.625            992.60         90
                                       5.375            992.60
    DALLAS           TX   75234          2            10/11/02         04
    0415077312                           05           12/01/02         30
    0415077312                           O            11/01/17
    0


    8130299          E22/G02             F          111,200.00         ZZ
                                         180        110,744.42          1
                                       5.875            930.88         80
                                       5.625            930.88
    EL MONTE         CA   91732          1            10/15/02         00
    0415079755                           01           12/01/02          0
    0415079755                           O            11/01/17
    0


    8130317          E22/G02             F          152,000.00         ZZ
                                         180        150,974.11          1
                                       6.250          1,303.28         80
                                       6.000          1,303.28
    COUNCIL BLUFFS   IA   51503          5            09/30/02         00
    0415104199                           05           12/01/02          0
    0415104199                           O            11/01/17
    0


    8130321          E22/G02             F          249,600.00         ZZ
                                         180        248,732.55          1
                                       5.875          2,089.45         80
                                       5.625          2,089.45
1


    MORTON GROVE     IL   60053          5            10/14/02         00
    0415188432                           05           12/01/02          0
    0415188432                           O            11/01/17
    0


    8130341          E22/G02             F           78,100.00         ZZ
                                         180         77,834.30          1
                                       6.125            664.34         79
                                       5.875            664.34
    PUEBLO           CO   81001          2            10/18/02         00
    0415235043                           05           12/01/02          0
    0415235043                           N            11/01/17
    0


    8131277          405/405             F          350,000.00         ZZ
                                         180        347,637.74          1
                                       6.250          3,000.98         57
                                       5.750          3,000.98
    MONTEREY PARK    CA   91754          2            09/06/02         00
    0060095981                           05           11/01/02          0
    0060095981                           O            10/01/17
    0


    8131733          F28/G02             F          445,000.00         ZZ
                                         180        441,996.56          1
                                       6.250          3,815.53         60
                                       6.000          3,815.53
    GAITHERSBURG     MD   20878          1            09/10/02         00
    0434771481                           05           11/01/02          0
    3521894                              N            10/01/17
    0


    8131813          U05/G02             F           91,000.00         ZZ
                                         180         90,365.93          1
                                       5.875            761.78         76
                                       5.625            761.78
    MIAMI            FL   33137          5            09/20/02         00
    0434791943                           05           11/01/02          0
    3257034                              O            10/01/17
    0


    8132061          S11/G02             F           67,000.00         ZZ
                                         120         66,588.38          1
                                       5.875            739.64         48
                                       5.625            739.64
    STANTON          CA   90680          5            10/06/02         00
    0434803755                           01           12/01/02          0
    10209481                             O            11/01/12
    0
1




    8132075          S43/G02             F           87,000.00         ZZ
                                         180         86,694.42          1
                                       5.750            722.46         42
                                       5.500            722.46
    RIO RANCHO       NM   87124          5            10/16/02         00
    0434805354                           05           12/01/02          0
    011320                               O            11/01/17
    0


    8132619          Q30/G02             F           47,950.00         ZZ
                                         180         47,797.07          1
                                       6.875            427.64         70
                                       6.625            427.64
    PHILADELPHIA     PA   19131          1            10/10/02         00
    0434828752                           06           12/01/02          0
    21017469                             N            11/01/17
    0


    8133019          E82/G02             F           71,100.00         ZZ
                                         180         70,852.90          1
                                       5.875            595.19         56
                                       5.625            595.19
    CARSON CITY      NV   89703          2            10/17/02         00
    0400702544                           05           12/01/02          0
    1623425                              O            11/01/17
    0


    8133029          E82/G02             F           71,800.00         ZZ
                                         180         71,550.47          1
                                       5.875            601.05         45
                                       5.625            601.05
    MIAMI            FL   33125          2            10/17/02         00
    0400699310                           09           12/01/02          0
    1654780                              O            11/01/17
    0


    8133161          E82/G02             F          107,500.00         ZZ
                                         180        107,142.02          1
                                       6.375            929.07         59
                                       6.125            929.07
    CAPE GIRARDEAU   MO   63701          2            10/15/02         00
    0400668497                           05           12/01/02          0
    3298814                              O            11/01/17
    0


    8133237          E82/G02             F          106,150.00         ZZ
                                         180        105,788.87          2
1


                                       6.125            902.94         48
                                       5.875            902.94
    HEMPSTEAD        NY   11550          2            10/07/02         00
    0400691408                           05           12/01/02          0
    1933953                              N            11/01/17
    0


    8133245          E82/G02             F           64,600.00         ZZ
                                         180         64,377.87          1
                                       6.000            545.13         66
                                       5.750            545.13
    TALLAHASSEE      FL   32308          2            10/21/02         00
    0400700415                           05           12/01/02          0
    1859599                              N            11/01/17
    0


    8133267          E82/G02             F          138,950.00         ZZ
                                         180        138,477.28          1
                                       6.125          1,181.94         77
                                       5.875          1,181.94
    VENTURA          CA   93003          2            10/15/02         00
    0400693610                           05           12/01/02          0
    1705034                              O            11/01/17
    0


    8133293          E82/G02             F           36,400.00         ZZ
                                         180         36,283.91          1
                                       6.875            324.63         52
                                       6.625            324.63
    RENO             NV   89502          2            10/16/02         00
    0400691226                           01           12/01/02          0
    1646718                              O            11/01/17
    0


    8133317          E82/G02             F          128,000.00         ZZ
                                         180        127,555.16          1
                                       5.875          1,071.51         59
                                       5.625          1,071.51
    LAKEWOOD         CA   90712          2            10/10/02         00
    0400703252                           05           12/01/02          0
    2765082                              O            11/01/17
    0


    8133615          E22/G02             F          122,000.00         ZZ
                                         180        121,580.49          1
                                       6.000          1,029.51         77
                                       5.750          1,029.51
    HOUSTON          TX   77065          2            10/15/02         00
    0414955302                           03           12/01/02          0
1


    0414955302                           O            11/01/17
    0


    8133635          E22/G02             F           96,600.00         ZZ
                                         180         96,260.70          1
                                       5.750            802.18         80
                                       5.500            802.18
    LAMPASAS         TX   76550          5            10/14/02         00
    0414965996                           05           12/01/02          0
    0414965996                           O            11/01/17
    0


    8133785          E22/G02             F           31,000.00         ZZ
                                         180         30,904.30          1
                                       7.250            282.99         62
                                       7.000            282.99
    TOWN CREEK       AL   35672          2            10/16/02         00
    0414849471                           05           12/01/02          0
    0414849471                           O            11/01/17
    0


    8133845          E22/G02             F           72,000.00         ZZ
                                         180         71,760.24          1
                                       6.375            622.26         80
                                       6.125            622.26
    GRAND PRAIRIE    TX   75051          5            10/14/02         00
    0415049584                           05           12/01/02          0
    0415049584                           O            11/01/17
    0


    8133865          E22/G02             F          110,500.00         ZZ
                                         180        110,115.97          1
                                       5.875            925.02         75
                                       5.625            925.02
    WINDSOR LOCKS    CT   06096          2            10/16/02         00
    0415060755                           05           12/01/02          0
    0415060755                           O            11/01/17
    0


    8133903          E22/G02             F           59,850.00         ZZ
                                         180         59,654.94          1
                                       6.625            525.48         95
                                       6.375            525.48
    BIRMINGHAM       AL   35208          5            10/15/02         01
    0415075381                           05           12/01/02         25
    0415075381                           O            11/01/17
    0


1


    8133923          E22/G02             F          117,590.00         ZZ
                                         120        115,191.28          1
                                       5.625          1,283.46         37
                                       5.375          1,283.46
    HUMBLE           TX   77346          2            10/16/02         00
    0415100700                           03           12/01/02          0
    0415100700                           O            11/01/12
    0


    8133993          E22/G02             F           76,000.00         ZZ
                                         180         75,733.06          1
                                       5.750            631.11         80
                                       5.500            631.11
    COLUMBUS         OH   43223          5            10/16/02         00
    0415189232                           05           12/01/02          0
    0415189232                           O            11/01/17
    0


    8134003          E22/G02             F          180,000.00         ZZ
                                         180        179,381.06          1
                                       6.000          1,518.94         77
                                       5.750          1,518.94
    LA PUENTE        CA   91746          2            10/14/02         00
    0415218213                           05           12/01/02          0
    0415218213                           O            11/01/17
    0


    8134495          E85/G02             F          650,000.00         ZZ
                                         180        647,835.50          1
                                       6.375          5,617.63         45
                                       6.125          5,617.63
    TIBURON          CA   94920          5            10/10/02         00
    0434759395                           05           12/01/02          0
    9615862                              O            11/01/17
    0


    8134497          W39/G02             F          119,500.00         ZZ
                                         120        117,330.68          1
                                       6.250          1,341.75         50
                                       6.000          1,341.75
    DECATUR          TX   76234          2            08/16/02         00
    0434955225                           05           10/01/02          0
    PN121233                             O            09/01/12
    0


    8135491          U05/G02             F          125,000.00         ZZ
                                         180        124,565.58          1
                                       5.875          1,046.40         73
                                       5.625          1,046.40
1


    RICHMOND         TX   77469          5            10/07/02         00
    0434814091                           03           12/01/02          0
    3265731                              O            11/01/17
    0


    8136101          F96/G02             F          117,000.00         ZZ
                                         180        116,184.77          1
                                       5.875            979.43         42
                                       5.625            979.43
    BORROUGH OF TOT  NJ   07512          2            09/30/02         00
    0434804647                           05           11/01/02          0
    0110063                              O            10/01/17
    0


    8136169          896/G02             F          372,000.00         ZZ
                                         180        369,462.40          1
                                       6.125          3,164.32         80
                                       5.875          3,164.32
    WOODBRIDGE       CA   95258          5            09/27/02         00
    0434789269                           05           11/01/02          0
    28895                                O            10/01/17
    0


    8137375          U05/G02             F          155,000.00         ZZ
                                         180        154,461.32          1
                                       5.875          1,297.53         71
                                       5.625          1,297.53
    HOLLYWOOD        MD   20636          2            10/04/02         00
    0434791398                           05           12/01/02          0
    3266502                              O            11/01/17
    0


    8137735          U05/G02             F          148,000.00         ZZ
                                         180        147,491.09          1
                                       6.000          1,248.91         80
                                       5.750          1,248.91
    HUMBLE           TX   77338          5            10/16/02         00
    0434853974                           03           12/01/02          0
    3271427                              O            11/01/17
    0


    8137783          L76/G02             F          132,300.00         ZZ
                                         180        131,149.97          1
                                       5.750          1,098.63         63
                                       5.500          1,098.63
    BLOOMINGTON      MN   55420          5            10/16/02         00
    0434793485                           05           12/01/02          0
    9507210                              O            11/01/17
    0
1




    8137945          944/G02             F          314,200.00         ZZ
                                         180        313,142.44          1
                                       6.250          2,694.02         73
                                       6.000          2,694.02
    IRVINE           CA   92612          5            10/14/02         00
    0434823464                           09           12/01/02          0
    W02031618                            O            11/01/17
    0


    8138035          E22/G02             F          110,000.00         ZZ
                                         180        109,609.53          1
                                       5.625            906.10         45
                                       5.375            906.10
    SCHAUMBURG       IL   60194          2            10/17/02         00
    0414966945                           05           12/01/02          0
    0414966945                           O            11/01/17
    0


    8138081          E22/G02             F          106,785.00         ZZ
                                         120        106,120.03          1
                                       5.625          1,165.52         63
                                       5.375          1,165.52
    FRIENDSWOOD      TX   77546          2            10/16/02         00
    0415026293                           03           12/01/02          0
    0415026293                           O            11/01/12
    0


    8138111          E22/G02             F          300,000.00         ZZ
                                         180        298,946.27          1
                                       5.750          2,491.23         57
                                       5.500          2,491.23
    INGLEWOOD        CA   90302          2            10/12/02         00
    0415078971                           05           12/01/02          0
    0415078971                           O            11/01/17
    0


    8138151          E22/G02             F          144,000.00         ZZ
                                         180        143,494.21          1
                                       5.750          1,195.79         79
                                       5.500          1,195.79
    BUFFALO GROVE    IL   60089          2            10/17/02         00
    0415118041                           01           12/01/02          0
    0415118041                           O            11/01/17
    0


    8138155          E22/G02             F           88,800.00         ZZ
                                         180         88,491.39          1
1


                                       5.875            743.36         80
                                       5.625            743.36
    TACOMA           WA   98405          1            10/14/02         00
    0415120963                           05           12/01/02          0
    0415120963                           O            11/01/17
    0


    8138187          E22/G02             F          272,000.00         ZZ
                                         180        271,084.48          3
                                       6.250          2,332.19         80
                                       6.000          2,332.19
    LOS ANGELES      CA   90042          5            10/10/02         00
    0415146851                           05           12/01/02          0
    0415146851                           O            11/01/17
    0


    8138195          E22/G02             F          214,000.00         ZZ
                                         180        213,240.34          1
                                       5.625          1,762.79         80
                                       5.375          1,762.79
    GOODLETTSVILLE   TN   37072          2            10/17/02         00
    0415153071                           03           12/01/02          0
    0415153071                           O            11/01/17
    0


    8138261          E22/G02             F           76,900.00         ZZ
                                         180         76,632.75          1
                                       5.875            643.74         35
                                       5.625            643.74
    ANNAPOLIS        MD   21401          2            10/23/02         00
    0414681395                           05           12/01/02          0
    0414681395                           N            11/01/17
    0


    8138287          E22/G02             F          130,000.00         ZZ
                                         180        129,552.99          1
                                       6.000          1,097.01         39
                                       5.750          1,097.01
    ROCKLIN          CA   95677          5            10/16/02         00
    0414863654                           05           12/01/02          0
    0414863654                           O            11/01/17
    0


    8138297          S11/G02             F           89,000.00         ZZ
                                         180         88,700.43          1
                                       6.250            763.11         43
                                       6.000            763.11
    OROVILLE         CA   95966          1            10/01/02         00
    0434793303                           05           12/01/02          0
1


    10400053                             N            11/01/17
    0


    8139479          L76/G02             F           99,000.00         ZZ
                                         180         98,652.27          1
                                       5.750            822.11         57
                                       5.500            822.11
    OWATONNA         MN   55060          5            10/15/02         00
    0434809109                           05           12/01/02          0
    101502                               O            11/01/17
    0


    8139719          E47/G02             F          150,000.00         ZZ
                                         180        149,478.70          1
                                       5.875          1,255.68         64
                                       5.625          1,255.68
    SPRING VALLEY    CA   91977          5            10/07/02         00
    0434801502                           05           12/01/02          0
    7333012498                           O            11/01/17
    0


    8140259          M18/G02             F          189,000.00         ZZ
                                         180        188,377.36          1
                                       6.500          1,646.39         88
                                       6.250          1,646.39
    LONG BEACH       CA   90805          2            09/27/02         11
    0434802492                           05           12/01/02         12
    980102069                            O            11/01/17
    0


    8140459          A21/G02             F          360,000.00         ZZ
                                         180        358,788.27          1
                                       6.250          3,086.73         80
                                       6.000          3,086.73
    BERGENFIELD      NJ   07621          5            10/07/02         00
    0434845418                           05           12/01/02          0
    100133731                            O            11/01/17
    0


    8140567          W02/G02             F           73,150.00         ZZ
                                         180         72,903.78          1
                                       6.250            627.21         95
                                       6.000            627.21
    HOPKINSVILLE     KY   42240          5            10/10/02         12
    0434822532                           05           12/01/02         25
    1001527407                           O            11/01/17
    0


1


    8140591          W02/G02             F           63,950.00         ZZ
                                         180         63,730.10          1
                                       6.000            539.65         80
                                       5.750            539.65
    PENSACOLA        FL   32534          5            10/11/02         00
    0434864872                           05           12/01/02          0
    1001610244                           O            11/01/17
    0


    8140615          X31/G02             F          142,650.00         ZZ
                                         180        142,138.24          1
                                       5.500          1,165.57         68
                                       5.250          1,165.57
    BLOOMINGTON ARE  CA   92316          2            10/11/02         00
    0435014196                           05           12/01/02          0
    40104126                             O            11/01/17
    0


    8140635          W99/G02             F          140,000.00         ZZ
                                         180        138,563.84          1
                                       6.125          1,190.87         75
                                       5.875          1,190.87
    COLUMBIA         SC   29229          1            08/30/02         00
    0434808788                           03           10/01/02          0
    180894002                            O            09/01/17
    0


    8140715          W02/G02             F           60,000.00         ZZ
                                         180         59,793.68          1
                                       6.000            506.32         79
                                       5.750            506.32
    ORLANDO          FL   32807          5            10/10/02         00
    0434844981                           07           12/01/02          0
    1001575688                           O            11/01/17
    0


    8140721          W02/G02             F          150,300.00         ZZ
                                         180        149,285.57          2
                                       6.250          1,288.71         90
                                       6.000          1,288.71
    MIAMI            FL   33181          5            09/24/02         11
    0434947859                           05           11/01/02         12
    1001446574                           O            10/01/17
    0


    8140735          X67/G02             F          350,000.00         ZZ
                                         180        348,770.64          1
                                       5.750          2,906.44         48
                                       5.500          2,906.44
1


    UNION CITY       CA   94587          5            10/07/02         00
    0434815346                           05           12/01/02          0
    00270081                             O            11/01/17
    0


    8140747          L76/G02             F           85,000.00         ZZ
                                         180         84,698.27          1
                                       5.625            700.17         71
                                       5.375            700.17
    FARIBAULT        MN   55021          5            10/21/02         00
    0434809752                           05           12/01/02          0
    9507244                              O            11/01/17
    0


    8140753          N47/G02             F          380,000.00         ZZ
                                         180        378,679.37          1
                                       5.875          3,181.05         71
                                       5.625          3,181.05
    SAN JOSE         CA   95119          2            10/11/02         00
    0434844544                           05           12/01/02          0
    20620426                             O            11/01/17
    0


    8140857          624/G02             F           75,000.00         ZZ
                                         180         74,736.57          1
                                       5.750            622.81         47
                                       5.500            622.81
    GUADALUPE        CA   93434          5            10/11/02         00
    0434796090                           05           12/01/02          0
    1000012085                           O            11/01/17
    0


    8140879          X44/G02             F          225,697.00         ZZ
                                         180        224,904.25          1
                                       5.750          1,874.21         61
                                       5.500          1,874.21
    TOWN OF RAMAPO   NY   10952          2            10/17/02         00
    0434813846                           05           12/01/02          0
    MALICKA                              O            11/01/17
    0


    8140907          967/G02             F           83,250.00         ZZ
                                         180         82,978.68          1
                                       6.625            730.93         75
                                       6.375            730.93
    PORT ORCHARD     WA   98366          5            10/15/02         00
    0434814414                           05           12/01/02          0
    5775911                              N            11/01/17
    0
1




    8141271          E22/G02             F           71,000.00         ZZ
                                         180         70,771.09          1
                                       6.750            628.29         79
                                       6.500            628.29
    VIRGINIA BEACH   VA   23462          2            10/22/02         00
    0414736132                           05           12/01/02          0
    0414736132                           N            11/01/17
    0


    8141305          E22/G02             F          487,000.00         ZZ
                                         180        485,307.50          1
                                       5.875          4,076.77         77
                                       5.625          4,076.77
    ELLICOTT CITY    MD   21042          2            10/18/02         00
    0414886754                           05           12/01/02          0
    0414886754                           O            11/01/17
    0


    8141341          E22/G02             F           99,700.00         ZZ
                                         180         99,346.08          1
                                       5.625            821.26         76
                                       5.375            821.26
    ARLINGTON        TX   76013          2            10/18/02         00
    0414969832                           05           12/01/02          0
    0414969832                           O            11/01/17
    0


    8141425          144/144             F          260,000.00         ZZ
                                         180        258,106.97          1
                                       6.000          2,194.03         56
                                       5.750          2,194.03
    BROOKHAVEN       NY   11719          5            09/20/02         00
    160698068                            05           11/01/02          0
    160698068                            O            10/01/17
    0


    8141495          E22/G02             F          160,000.00         ZZ
                                         180        159,461.45          1
                                       6.250          1,371.88         66
                                       6.000          1,371.88
    GERMANTOWN       MD   20874          5            10/18/02         00
    0415018159                           09           12/01/02          0
    0415018159                           O            11/01/17
    0


    8141497          E22/G02             F           80,000.00         ZZ
                                         180         79,724.91          1
1


                                       6.000            675.09         63
                                       5.750            675.09
    CHANDLER         AZ   85224          2            10/15/02         00
    0415018688                           05           12/01/02          0
    0415018688                           N            11/01/17
    0


    8141533          E22/G02             F          355,000.00         ZZ
                                         180        353,766.25          1
                                       5.875          2,971.77         71
                                       5.625          2,971.77
    COSTA MESA       CA   92626          5            10/10/02         00
    0415055284                           05           12/01/02          0
    0415055284                           O            11/01/17
    0


    8141543          E22/G02             F          125,600.00         ZZ
                                         180        125,168.12          1
                                       6.000          1,059.88         80
                                       5.750          1,059.88
    FRISCO           TX   75035          2            10/18/02         00
    0415059930                           09           12/01/02          0
    0415059930                           O            11/01/17
    0


    8141565          E22/G02             F          345,000.00         ZZ
                                         180        343,838.76          1
                                       6.250          2,958.11         62
                                       6.000          2,958.11
    PFLUGERVILLE     TX   78660          5            10/18/02         00
    0415096114                           05           12/01/02          0
    0415096114                           O            11/01/17
    0


    8141587          E22/G02             F          160,000.00         ZZ
                                         180        159,443.94          1
                                       5.875          1,339.39         80
                                       5.625          1,339.39
    SUGAR LAND       TX   77478          5            10/18/02         00
    0415116607                           03           12/01/02          0
    0415116607                           O            11/01/17
    0


    8141595          E22/G02             F           90,750.00         ZZ
                                         180         90,437.95          1
                                       6.000            765.80         75
                                       5.750            765.80
    CHARLESTON       SC   29414          5            10/22/02         00
    0415118942                           03           12/01/02          0
1


    0415118942                           N            11/01/17
    0


    8141617          E22/G02             F           69,600.00         ZZ
                                         180         69,365.73          1
                                       6.250            596.77         80
                                       6.000            596.77
    LAKELAND         FL   33813          2            10/18/02         00
    0415168400                           05           12/01/02          0
    0415168400                           O            11/01/17
    0


    8141975          N74/G02             F           60,000.00         ZZ
                                         180         59,581.94          1
                                       5.875            502.27         64
                                       5.625            502.27
    DIXON            MO   65459          5            10/16/02         00
    0434805081                           05           11/21/02          0
    0030906010                           O            10/21/17
    0


    8142015          N74/G02             F           59,000.00         ZZ
                                         180         58,584.55          1
                                       5.750            489.94         54
                                       5.500            489.94
    CHINA GROVE      NC   28023          5            10/17/02         00
    0434848891                           05           11/22/02          0
    0030921010                           O            10/22/17
    0


    8142145          N74/G02             F          105,750.00         ZZ
                                         180        105,382.48          1
                                       5.875            885.25         75
                                       5.625            885.25
    GUTHRIE          OK   73044          5            10/14/02         00
    0434837225                           05           12/01/02          0
    0030890010                           O            11/01/17
    0


    8142153          N74/G02             F          104,000.00         ZZ
                                         180        103,634.70          1
                                       5.750            863.63         80
                                       5.500            863.63
    BASTROP          TX   78602          5            10/15/02         00
    0434856613                           05           12/01/02          0
    0030905010                           O            11/01/17
    0


1


    8142377          P01/G02             F           47,200.00         ZZ
                                         180         47,055.87          2
                                       7.375            434.21         80
                                       7.125            434.21
    BRISTOL          CT   06010          1            10/18/02         00
    0434811709                           05           12/01/02          0
    02004130                             N            11/01/17
    0


    8142491          A42/G02             F           44,750.00         ZZ
                                         180         44,599.37          1
                                       6.250            383.70         68
                                       6.000            383.70
    LATROBE          PA   15650          5            10/16/02         00
    0434796025                           05           12/01/02          0
    061020001140                         O            11/01/17
    0


    8142623          A21/G02             F          470,000.00         ZZ
                                         180        468,331.59          1
                                       5.625          3,871.54         73
                                       5.375          3,871.54
    TENAFLY          NJ   07670          2            10/11/02         00
    0434957932                           05           12/01/02          0
    0100133270                           O            11/01/17
    0


    8142793          X80/G02             F          112,500.00         ZZ
                                         180        112,104.85          2
                                       5.750            934.21         69
                                       5.500            934.21
    LOS ANGELES      CA   90007          2            10/10/02         00
    0434831384                           05           12/01/02          0
    1410061617                           O            11/01/17
    0


    8142819          E47/G02             F          106,000.00         ZZ
                                         180        105,631.61          1
                                       5.875            887.35         80
                                       5.625            887.35
    ENCINO AREA      CA   91316          1            10/03/02         00
    0434815890                           01           12/01/02          0
    7331014431                           O            11/01/17
    0


    8142943          944/G02             F          433,000.00         ZZ
                                         180        431,495.17          1
                                       5.875          3,624.73         80
                                       5.625          3,624.73
1


    LAKEWOOD         WA   98499          2            10/09/02         00
    0434793832                           03           12/01/02          0
    01615875                             O            11/01/17
    0


    8143101          X64/G02             F          162,000.00         ZZ
                                         180        161,430.99          1
                                       5.750          1,345.26         20
                                       5.500          1,345.26
    BLOOMFIELD HILL  MI   48302          2            10/08/02         00
    0434857934                           05           12/01/02          0
    1807723                              O            11/01/17
    0


    8143297          U05/G02             F          159,700.00         ZZ
                                         180        159,144.98          1
                                       5.875          1,336.88         52
                                       5.625          1,336.88
    DOWNEY           CA   90242          5            10/07/02         00
    0434826194                           05           12/01/02          0
    3262939                              O            11/01/17
    0


    8143451          Q87/G02             F           78,000.00         ZZ
                                         180         77,456.52          1
                                       5.875            652.95         78
                                       5.625            652.95
    MOULTON          AL   35650          2            10/21/02         00
    0434812699                           05           11/25/02          0
    LADA01                               O            10/25/17
    0


    8143487          Q87/G02             F           65,100.00         ZZ
                                         120         64,324.76          1
                                       6.500            739.20         42
                                       6.250            739.20
    POWHATAN         VA   23139          5            09/30/02         00
    0434821039                           05           11/04/02          0
    SORO01                               O            10/04/12
    0


    8143555          624/G02             F          186,000.00         ZZ
                                         180        185,339.74          1
                                       5.625          1,532.14         60
                                       5.375          1,532.14
    TRUCKEE          CA   96161          5            10/11/02         00
    0434795241                           05           12/01/02          0
    1000011929                           O            11/01/17
    0
1




    8143645          W93/G02             F          320,000.00         ZZ
                                         180        318,899.66          1
                                       6.000          2,700.34         62
                                       5.750          2,700.34
    SAN JOSE         CA   95124          5            10/02/02         00
    0434821336                           05           12/01/02          0
    20407648                             O            11/01/17
    0


    8143899          E82/G02             F           77,600.00         ZZ
                                         180         77,330.32          1
                                       5.875            649.60         58
                                       5.625            649.60
    WATSONVILLE      CA   95076          2            10/17/02         00
    0400714689                           03           12/01/02          0
    1839907                              O            11/01/17
    0


    8143949          E82/G02             F          141,700.00         ZZ
                                         180        141,217.92          1
                                       6.125          1,205.34         56
                                       5.875          1,205.34
    FAIR LAWN        NJ   07410          5            10/21/02         00
    0400714697                           05           12/01/02          0
    0400714697                           O            11/01/17
    0


    8143959          E82/G02             F           52,500.00         ZZ
                                         180         52,317.54          1
                                       5.875            439.49         25
                                       5.625            439.49
    BLAINE           MN   55434          2            10/21/02         00
    0400713806                           05           12/01/02          0
    0400713806                           O            11/01/17
    0


    8144011          E82/G02             F          103,000.00         T
                                         180        102,642.04          1
                                       5.875            862.23         51
                                       5.625            862.23
    MINDEN           NV   89423          2            10/24/02         00
    0400720157                           05           12/01/02          0
    1991873                              O            11/01/17
    0


    8144029          E82/G02             F          108,300.00         ZZ
                                         180        107,927.60          1
1


                                       6.000            913.90         18
                                       5.750            913.90
    BYRON            CA   94514          2            10/18/02         00
    0400687877                           03           12/01/02          0
    1864397                              O            11/01/17
    0


    8144033          E82/G02             F          115,800.00         ZZ
                                         180        115,397.56          1
                                       5.875            969.38         72
                                       5.625            969.38
    CHINO            CA   91710          2            10/18/02         00
    0400702098                           05           12/01/02          0
    4986081                              O            11/01/17
    0


    8144035          E82/G02             F          120,000.00         ZZ
                                         180        119,578.51          1
                                       5.750            996.49         47
                                       5.500            996.49
    LAKE FOREST      CA   92630          2            10/17/02         00
    0400711743                           03           12/01/02          0
    2797763                              O            11/01/17
    0


    8144041          E82/G02             F          107,800.00         ZZ
                                         180        107,429.32          1
                                       6.000            909.68         56
                                       5.750            909.68
    LOS ANGELES      CA   90039          2            10/18/02         00
    0400706487                           01           12/01/02          0
    1574411                              O            11/01/17
    0


    8144045          E82/G02             F           58,050.00         ZZ
                                         180         57,848.25          1
                                       5.875            485.95         55
                                       5.625            485.95
    SACRAMENTO       CA   95828          2            10/18/02         00
    0400713145                           05           12/01/02          0
    1541969                              O            11/01/17
    0


    8144047          E82/G02             F          258,300.00         ZZ
                                         180        257,411.82          1
                                       6.000          2,179.68         45
                                       5.750          2,179.68
    SUNNYVALE        CA   94087          2            10/17/02         00
    0400694972                           03           12/01/02          0
1


    1739793                              O            11/01/17
    0


    8144049          E82/G02             F           98,500.00         ZZ
                                         180         98,157.68          1
                                       5.875            824.56         69
                                       5.625            824.56
    MIAMI            FL   33193          2            10/21/02         00
    0400718094                           03           12/01/02          0
    1704656                              O            11/01/17
    0


    8144055          E82/G02             F          231,500.00         ZZ
                                         180        230,695.46          1
                                       5.875          1,937.93         46
                                       5.625          1,937.93
    CHICAGO          IL   60613          2            10/18/02         00
    0400717161                           05           12/01/02          0
    1709562                              O            11/01/17
    0


    8144093          E82/G02             F          148,500.00         ZZ
                                         180        147,983.91          1
                                       5.875          1,243.12         42
                                       5.625          1,243.12
    IDYLLWILD        CA   92549          2            10/18/02         00
    0400706651                           05           12/01/02          0
    5001416                              O            11/01/17
    0


    8144165          E82/G02             F          128,400.00         ZZ
                                         180        127,949.00          1
                                       5.750          1,066.25         38
                                       5.500          1,066.25
    TRUMBULL         CT   06611          2            10/22/02         00
    0400718433                           05           12/01/02          0
    1691444                              O            11/01/17
    0


    8144167          E82/G02             F          156,000.00         ZZ
                                         180        155,457.85          2
                                       5.875          1,305.90         83
                                       5.625          1,305.90
    CHICAGO          IL   60644          2            10/21/02         04
    0400699229                           05           12/01/02         12
    1950441                              O            11/01/17
    0


1


    8144177          E82/G02             F           70,600.00         ZZ
                                         180         69,959.81          1
                                       6.125            600.54         22
                                       5.875            600.54
    WEST GREENWICH   RI   02817          2            10/23/02         00
    0400695102                           05           12/01/02          0
    1822039                              O            11/01/17
    0


    8144191          E82/G02             F          121,800.00         ZZ
                                         180        121,372.19          1
                                       5.750          1,011.44         74
                                       5.500          1,011.44
    PEMBROKE PINES   FL   33029          2            10/23/02         00
    0400709911                           03           12/01/02          0
    8144191                              O            11/01/17
    0


    8144201          E82/G02             F           62,000.00         ZZ
                                         180         61,698.57          1
                                       5.750            514.85         44
                                       5.500            514.85
    POMONA           CA   91768          2            10/22/02         00
    0400707303                           05           12/01/02          0
    5846006                              O            11/01/17
    0


    8144221          E82/G02             F          297,000.00         ZZ
                                         180        295,967.82          1
                                       5.875          2,486.24         80
                                       5.625          2,486.24
    NORCO            CA   92860          2            10/19/02         00
    0400702445                           05           12/01/02          0
    4926420                              O            11/01/17
    0


    8144235          E82/G02             F          140,100.00         ZZ
                                         180        139,613.11          1
                                       5.875          1,172.80         69
                                       5.625          1,172.80
    COOPER CITY      FL   33328          2            10/23/02         00
    0400710802                           03           12/01/02          0
    2768896                              O            11/01/17
    0


    8144241          E82/G02             F           91,300.00         ZZ
                                         180         90,982.70          1
                                       5.875            764.29         50
                                       5.625            764.29
1


    BIG PINE KEY     FL   33043          2            10/22/02         00
    0400708947                           05           12/01/02          0
    5427991                              O            11/01/17
    0


    8144247          E82/G02             F          184,300.00         ZZ
                                         180        183,666.27          1
                                       6.000          1,555.23         52
                                       5.750          1,555.23
    WEEHAWKEN        NJ   07087          2            10/21/02         00
    0400682571                           05           12/01/02          0
    1790985                              O            11/01/17
    0


    8144249          E82/G02             F          119,000.00         ZZ
                                         180        118,586.43          2
                                       5.875            996.17         62
                                       5.625            996.17
    HOUSTON          TX   77019          2            10/22/02         00
    0400706859                           05           12/01/02          0
    2800390                              O            11/01/17
    0


    8144283          E82/G02             F          105,150.00         ZZ
                                         180        104,807.31          1
                                       6.625            923.21         37
                                       6.375            923.21
    LINDENHURST      NY   11757          2            10/23/02         00
    0400697785                           05           12/01/02          0
    1532738                              N            11/01/17
    0


    8144577          N47/G02             F          625,000.00         ZZ
                                         180        622,804.73          1
                                       5.750          5,190.06         58
                                       5.500          5,190.06
    LA CANADA FLINT  CA   91011          2            10/07/02         00
    0434828810                           05           12/01/02          0
    30321787                             O            11/01/17
    0


    8144587          Q59/G02             F          190,400.00         ZZ
                                         180        189,772.74          1
                                       6.500          1,658.59         80
                                       6.250          1,658.59
    ROWLANDS HEIGHT  CA   91748          1            10/04/02         00
    0434823449                           05           12/01/02          0
    402838                               N            11/01/17
    0
1




    8144653          E47/G02             F          435,000.00         ZZ
                                         180        433,488.22          1
                                       5.875          3,641.47         72
                                       5.625          3,641.47
    COLORADO SPRING  CO   80906          5            10/04/02         00
    0434816732                           05           12/01/02          0
    7332021561                           O            11/01/17
    0


    8144661          K15/G02             F          108,800.00         ZZ
                                         180        108,433.79          1
                                       6.250            932.88         69
                                       6.000            932.88
    MERCED           CA   95340          5            10/15/02         00
    0434834487                           05           12/01/02          0
    911                                  O            11/01/17
    0


    8144797          E22/G02             F          123,300.00         ZZ
                                         180        122,919.38          1
                                       7.250          1,125.56         90
                                       7.000          1,125.56
    NEW ORLEANS      LA   70116          1            10/24/02         04
    0414947101                           01           12/01/02         30
    0414947101                           N            11/01/17
    0


    8145069          E22/G02             F          131,000.00         ZZ
                                         180        130,549.55          1
                                       6.000          1,105.45         77
                                       5.750          1,105.45
    RENO             NV   89502          1            10/21/02         00
    0415263615                           05           12/01/02          0
    0415263615                           N            11/01/17
    0


    8145073          E22/G02             F           38,000.00         ZZ
                                         180         37,878.81          1
                                       6.875            338.90         74
                                       6.625            338.90
    TULSA            OK   74110          2            10/24/02         00
    0415265297                           05           12/01/02          0
    0415265297                           N            11/01/17
    0


    8145201          X44/G02             F          187,000.00         ZZ
                                         180        186,350.11          1
1


                                       5.875          1,565.41         52
                                       5.625          1,565.41
    AIRMONT          NY   10952          2            10/16/02         00
    0434811097                           05           12/01/02          0
    1                                    O            11/01/17
    0


    8145399          E22/G02             F          100,000.00         ZZ
                                         180         99,677.59          1
                                       6.750            884.91         60
                                       6.500            884.91
    MARIETTA         GA   30068          5            10/24/02         00
    0415108406                           05           12/01/02          0
    0415108406                           N            11/01/17
    0


    8145435          A52/G02             F           50,000.00         ZZ
                                         180         49,831.71          1
                                       6.250            428.71         48
                                       6.000            428.71
    CARROLLTON       GA   30117          5            10/21/02         00
    0434796637                           05           12/01/02          0
    21427                                O            11/01/17
    0


    8145619          X64/G02             F          429,500.00         ZZ
                                         180        428,007.34          1
                                       5.875          3,595.42         80
                                       5.625          3,595.42
    WASHINGTON       MI   48094          2            10/16/02         00
    0434846465                           05           12/01/02          0
    9672793                              O            11/01/17
    0


    8145979          U05/G02             F          123,000.00         ZZ
                                         180        122,076.56          1
                                       5.625          1,013.19         45
                                       5.375          1,013.19
    FORESTHILL       CA   95631          2            10/10/02         00
    0434817391                           05           12/01/02          0
    3270551                              O            11/01/17
    0


    8146123          477/G02             F          200,000.00         ZZ
                                         180        199,312.29          1
                                       6.000          1,687.71         41
                                       5.750          1,687.71
    SALINAS          CA   93906          2            10/10/02         00
    0434828638                           05           12/01/02          0
1


    227693                               O            11/01/17
    0


    8146159          T44/G02             F          176,000.00         ZZ
                                         180        175,381.81          1
                                       5.750          1,461.52         80
                                       5.500          1,461.52
    CAMERON PARK     CA   95682          1            10/21/02         00
    0434816849                           05           12/01/02          0
    1048004                              O            11/01/17
    0


    8146281          E47/G02             F           29,500.00         ZZ
                                         180         29,401.77          1
                                       6.375            254.95         54
                                       6.125            254.95
    CHARLOTTE        NC   28217          2            10/10/02         00
    0434826889                           05           12/01/02          0
    7350510447                           N            11/01/17
    0


    8146301          E47/G02             F           41,000.00         ZZ
                                         180         40,866.37          1
                                       6.625            359.98         55
                                       6.375            359.98
    CHARLOTTE        NC   28110          5            10/10/02         00
    0434828794                           05           12/01/02          0
    7350510446                           N            11/01/17
    0


    8146311          A06/G02             F          200,000.00         ZZ
                                         180        199,304.93          1
                                       5.875          1,674.24         80
                                       5.625          1,674.24
    ROCHESTER HILLS  MI   48307          5            10/14/02         00
    0434810958                           05           12/01/02          0
    021000020223026                      O            11/01/17
    0


    8146587          S07/G02             F           40,000.00         ZZ
                                         180         39,145.29          1
                                       6.500            348.44         66
                                       6.250            348.44
    PAONIA           CO   81428          1            10/10/02         00
    0434815007                           05           12/01/02          0
    1537168                              N            11/01/17
    0


1


    8146697          U96/G02             F           41,600.00         T
                                         180         41,456.96          1
                                       6.000            351.04         80
                                       5.750            351.04
    HILO             HI   96720          1            10/09/02         00
    0434877981                           01           12/01/02          0
    20900022                             O            11/01/17
    0


    8146731          M27/G02             F          150,000.00         ZZ
                                         180        149,467.53          1
                                       5.625          1,235.60         47
                                       5.375          1,235.60
    WILMINGTON       NC   28412          5            10/11/02         00
    0434856449                           05           12/01/02          0
    0600825020                           O            11/01/17
    0


    8146811          G34/G02             F          160,500.00         ZZ
                                         180        159,930.25          1
                                       5.625          1,322.09         59
                                       5.375          1,322.09
    LAS VEGAS        NV   89104          5            10/17/02         00
    0434847174                           05           12/01/02          0
    39012262                             O            11/01/17
    0


    8146967          E82/G02             F          126,900.00         ZZ
                                         180        126,458.98          1
                                       5.875          1,062.30         77
                                       5.625          1,062.30
    EL PASO          TX   79912          2            10/24/02         00
    0400704029                           05           12/01/02          0
    1993336                              O            11/01/17
    0


    8146979          E82/G02             F           62,100.00         ZZ
                                         180         61,884.18          1
                                       5.875            519.85         45
                                       5.625            519.85
    AUSTIN           TX   78757          2            10/29/02         00
    0400712386                           05           12/01/02          0
    1785123                              N            11/01/17
    0


    8147413          E22/G02             F          500,000.00         ZZ
                                         180        498,262.33          1
                                       5.875          4,185.59         61
                                       5.625          4,185.59
1


    HESPERUS         CO   81326          2            10/21/02         00
    0415041045                           05           12/01/02          0
    0415041045                           O            11/01/17
    0


    8147473          E22/G02             F          100,000.00         ZZ
                                         180         99,652.46          1
                                       5.875            837.12         49
                                       5.625            837.12
    ROCKWALL         TX   75087          5            10/21/02         00
    0415062793                           05           12/01/02          0
    0415062793                           O            11/01/17
    0


    8147491          E22/G02             F          252,000.00         ZZ
                                         180        251,105.45          1
                                       5.625          2,075.80         80
                                       5.375          2,075.80
    CHARLOTTE        NC   28226          5            10/21/02         00
    0415231828                           05           12/01/02          0
    0415231828                           O            11/01/17
    0


    8147563          E22/G02             F           57,195.00         ZZ
                                         180         56,994.11          1
                                       5.750            474.95         90
                                       5.500            474.95
    ROWLETT          TX   75088          1            10/25/02         01
    0414833558                           05           12/01/02         25
    0414833558                           N            11/01/17
    0


    8147583          E22/G02             F          146,800.00         ZZ
                                         180        146,289.82          1
                                       5.875          1,228.89         85
                                       5.625          1,228.89
    SPARKS           NV   89434          5            10/17/02         01
    0414892703                           05           12/01/02         25
    0414892703                           O            11/01/17
    0


    8147651          E22/G02             F           65,000.00         ZZ
                                         180         64,776.49          1
                                       6.000            548.51         90
                                       5.750            548.51
    LAFAYETTE        IN   47906          1            10/25/02         04
    0415112259                           05           12/01/02         25
    0415112259                           N            11/01/17
    0
1




    8147653          E22/G02             F           71,000.00         ZZ
                                         180         70,761.02          1
                                       6.250            608.77         64
                                       6.000            608.77
    WHITESBORO       TX   76273          2            10/25/02         00
    0415114370                           05           12/01/02          0
    0415114370                           N            11/01/17
    0


    8147677          E22/G02             F          152,000.00         T
                                         180        151,460.43          1
                                       5.625          1,252.07         80
                                       5.375          1,252.07
    LA PORTE         CA   95981          1            10/17/02         00
    0415132885                           05           12/01/02          0
    0415132885                           O            11/01/17
    0


    8147733          E22/G02             F           60,000.00         ZZ
                                         180         59,798.05          1
                                       6.250            514.45         75
                                       6.000            514.45
    RIDGELAND        MS   39157          2            10/25/02         00
    0415166065                           05           12/01/02          0
    0415166065                           N            11/01/17
    0


    8147751          E22/G02             F          117,000.00         ZZ
                                         120        116,271.42          1
                                       5.625          1,277.02         90
                                       5.375          1,277.02
    LARAMIE          WY   82072          5            10/21/02         01
    0415181668                           05           12/01/02         12
    0415181668                           O            11/01/12
    0


    8147959          S07/G02             F           80,000.00         ZZ
                                         180         79,716.01          1
                                       5.625            658.99         69
                                       5.375            658.99
    PAONIA           CO   81428          5            10/04/02         00
    0434887816                           05           12/01/02          0
    92406701                             O            11/01/17
    0


    8147987          737/G02             F           63,900.00         ZZ
                                         180         63,680.28          1
1


                                       6.000            539.22         80
                                       5.750            539.22
    PHARR            TX   78577          1            10/16/02         00
    0434856597                           05           12/01/02          0
    2090953                              O            11/01/17
    0


    8148227          M27/G02             F          192,000.00         ZZ
                                         180        191,339.79          1
                                       6.000          1,620.21         80
                                       5.750          1,620.21
    RALEIGH          NC   27615          5            10/11/02         00
    0434847752                           05           12/01/02          0
    0600825702                           O            11/01/17
    0


    8148237          R84/G02             F          347,000.00         ZZ
                                         180        344,632.93          4
                                       6.125          2,951.67         59
                                       5.875          2,951.67
    KIRKLAND         WA   98033          2            09/26/02         00
    0434997425                           05           11/01/02          0
    WA900119                             N            10/01/17
    0


    8148393          K15/G02             F           62,100.00         ZZ
                                         180         61,899.78          1
                                       6.750            549.53         42
                                       6.500            549.53
    BEACON FALLS     CT   06403          5            10/18/02         00
    0434819132                           05           12/01/02          0
    013405310179                         O            11/01/17
    0


    8148515          N47/G02             F          127,000.00         ZZ
                                         180        126,553.92          1
                                       5.750          1,054.62         31
                                       5.500          1,054.62
    DALY CITY        CA   94014          2            10/14/02         00
    0434869814                           01           12/01/02          0
    20620565                             O            11/01/17
    0


    8148575          Q14/G02             F           51,000.00         ZZ
                                         180         50,831.99          1
                                       6.500            444.26         80
                                       6.250            444.26
    DES MOINES       IA   50317          5            10/18/02         00
    0434930640                           05           12/01/02          0
1


    0209442                              O            11/01/17
    0


    8148617          E45/G02             F           37,950.00         ZZ
                                         120         37,482.58          2
                                       5.875            418.94         50
                                       5.625            418.94
    ORLANDO          FL   32839          1            09/18/02         00
    0434833042                           05           11/01/02          0
    280625                               O            10/01/12
    0


    8148697          U35/G02             F           76,000.00         ZZ
                                         180         75,765.39          1
                                       7.250            693.78         80
                                       7.000            693.78
    FORT WAYNE       IN   46816          2            10/16/02         00
    0434951380                           05           12/01/02          0
    7388650                              O            11/01/17
    0


    8148795          E45/G02             F          190,000.00         ZZ
                                          84        175,573.46          2
                                       6.875          2,856.01         37
                                       6.625          2,856.01
    BELMONT          MA   02178          5            04/22/02         00
    0434832929                           05           06/01/02          0
    226444                               N            05/01/09
    0


    8149013          624/G02             F          161,500.00         ZZ
                                         180        160,944.67          1
                                       6.000          1,362.83         95
                                       5.750          1,362.83
    EVERETT          WA   98205          5            10/14/02         11
    0434857322                           05           12/01/02         25
    1000013542                           O            11/01/17
    0


    8149029          964/G02             F          143,000.00         ZZ
                                         180        142,503.02          1
                                       5.875          1,197.08         86
                                       5.625          1,197.08
    CAVE CREEK       AZ   85331          2            10/10/02         21
    0434820445                           03           12/01/02         25
    265855                               O            11/01/17
    0


1


    8149039          964/G02             F          300,000.00         ZZ
                                         180        298,923.75          1
                                       5.500          2,451.25         60
                                       5.250          2,451.25
    DALY CITY        CA   94014          5            10/01/02         00
    0434820411                           05           12/01/02          0
    261710                               O            11/01/17
    0


    8149043          964/G02             F          250,000.00         ZZ
                                         180        249,093.62          1
                                       5.375          2,026.17         60
                                       5.125          2,026.17
    CASTRO VALLEY    CA   94546          5            10/04/02         00
    0434817912                           05           12/01/02          0
    262067                               O            11/01/17
    0


    8149047          964/G02             F          109,000.00         ZZ
                                         180        108,498.96          1
                                       5.500            890.62         39
                                       5.250            890.62
    SACRAMENTO       CA   95828          2            10/07/02         00
    0434819223                           05           12/01/02          0
    263178                               O            11/01/17
    0


    8149049          964/G02             F          565,000.00         ZZ
                                         180        563,015.47          1
                                       5.750          4,691.82         73
                                       5.500          4,691.82
    SCOTTSDALE       AZ   85259          2            10/01/02         00
    0434822706                           03           12/01/02          0
    270358                               O            11/01/17
    0


    8149057          964/G02             F          145,700.00         ZZ
                                         180        145,193.64          1
                                       5.875          1,219.68         57
                                       5.625          1,219.68
    FLAGSTAFF        AZ   86004          2            10/08/02         00
    0434822979                           05           12/01/02          0
    265042                               O            11/01/17
    0


    8149063          964/G02             F          376,000.00         ZZ
                                         180        374,707.10          1
                                       6.000          3,172.90         80
                                       5.750          3,172.90
1


    RENTON           WA   98056          5            10/08/02         00
    0434820338                           03           12/01/02          0
    271676                               O            11/01/17
    0


    8149075          964/G02             F          147,000.00         ZZ
                                         180        146,499.89          2
                                       6.125          1,250.42         70
                                       5.875          1,250.42
    ATWATER          CA   95301          2            10/09/02         00
    0434811980                           05           12/01/02          0
    273240                               N            11/01/17
    0


    8149079          964/G02             F          141,000.00         ZZ
                                         180        140,509.97          1
                                       5.875          1,180.34         76
                                       5.625          1,180.34
    UNIVERSITY PLAC  WA   98466          5            10/10/02         00
    0434816344                           05           12/01/02          0
    274955                               O            11/01/17
    0


    8149083          964/G02             F          124,000.00         ZZ
                                         180        123,569.05          1
                                       5.875          1,038.03         80
                                       5.625          1,038.03
    HENDERSON        NV   89014          1            10/04/02         00
    0434837746                           05           12/01/02          0
    278676                               N            11/01/17
    0


    8149087          964/G02             F          114,400.00         ZZ
                                         180        114,002.42          1
                                       5.875            957.66         80
                                       5.625            957.66
    HENDERSON        NV   89014          1            10/04/02         00
    0434823993                           03           12/01/02          0
    278698                               N            11/01/17
    0


    8149091          964/G02             F          180,000.00         ZZ
                                         180        179,361.03          1
                                       5.625          1,482.72         77
                                       5.375          1,482.72
    SPOKANE          WA   99204          2            10/04/02         00
    0434817607                           05           12/01/02          0
    279149                               O            11/01/17
    0
1




    8149093          964/G02             F          233,000.00         ZZ
                                         180        232,155.26          1
                                       5.375          1,888.39         59
                                       5.125          1,888.39
    LOS OSOS         CA   93402          5            10/09/02         00
    0434819298                           05           12/01/02          0
    261119                               O            11/01/17
    0


    8149103          964/G02             F          248,500.00         ZZ
                                         180        247,589.55          1
                                       5.250          1,997.64         36
                                       5.000          1,997.64
    STOCKTON         CA   95219          2            10/08/02         00
    0434821948                           03           12/01/02          0
    240900                               O            11/01/17
    0


    8149113          964/G02             F          145,000.00         ZZ
                                         180        144,496.08          1
                                       5.875          1,213.82         65
                                       5.625          1,213.82
    SANTA MARIA      CA   93458          5            10/11/02         00
    0434811063                           05           12/01/02          0
    256709                               N            11/01/17
    0


    8149115          964/G02             F          132,000.00         ZZ
                                         180        131,521.43          1
                                       5.375          1,069.82         65
                                       5.125          1,069.82
    NEWMAN           CA   95360          5            10/04/02         00
    0434822946                           05           12/01/02          0
    266798                               O            11/01/17
    0


    8149125          964/G02             F          218,000.00         ZZ
                                         180        217,242.37          1
                                       5.875          1,824.92         23
                                       5.625          1,824.92
    CUPERTINO        CA   95014          2            10/01/02         00
    0434817326                           05           12/01/02          0
    263583                               O            11/01/17
    0


    8149127          964/G02             F          300,700.00         ZZ
                                         180        299,621.24          1
1


                                       5.500          2,456.97         39
                                       5.250          2,456.97
    SAUSALITO        CA   94965          2            10/08/02         00
    0434815338                           01           12/01/02          0
    270644                               O            11/01/17
    0


    8149165          964/G02             F          374,400.00         ZZ
                                         180        373,098.82          1
                                       5.875          3,134.18         80
                                       5.625          3,134.18
    LIVERMORE        CA   94550          5            10/02/02         00
    0434818209                           05           12/01/02          0
    273980                               O            11/01/17
    0


    8149171          964/G02             F          260,000.00         ZZ
                                         180        259,086.76          1
                                       5.750          2,159.07         58
                                       5.500          2,159.07
    WATSONVILLE      CA   95076          5            10/02/02         00
    0434812475                           05           12/01/02          0
    259718                               O            11/01/17
    0


    8149175          964/G02             F          300,000.00         ZZ
                                         180        298,912.35          1
                                       5.375          2,431.40         38
                                       5.125          2,431.40
    SAN JOSE         CA   95120          5            10/01/02         00
    0434817094                           03           12/01/02          0
    262646                               O            11/01/17
    0


    8149181          964/G02             F          111,000.00         ZZ
                                         180        110,597.19          1
                                       5.375            899.62         74
                                       5.125            899.62
    NEWBERG          OR   97132          2            10/07/02         00
    0434819090                           05           12/01/02          0
    237575                               O            11/01/17
    0


    8149293          Q30/G02             F           73,500.00         ZZ
                                         180         73,273.10          3
                                       7.250            670.96         70
                                       7.000            670.96
    WATERBURY        CT   06704          2            10/11/02         00
    0434830485                           05           12/01/02          0
1


    21017575                             N            11/01/17
    0


    8149333          S64/G02             F          174,500.00         ZZ
                                         180        173,925.13          1
                                       6.500          1,520.08         77
                                       6.250          1,520.08
    ROLLING PRAIRIE  IN   46371          5            10/25/02         00
    0434888145                           05           12/01/02          0
    99210014                             O            11/01/17
    0


    8149575          E82/G02             F           77,000.00         ZZ
                                         180         76,729.54          1
                                       5.750            639.42         64
                                       5.500            639.42
    NILES            MI   49120          2            10/25/02         00
    0400717351                           05           12/01/02          0
    1794239                              O            11/01/17
    0


    8149577          E82/G02             F          227,000.00         ZZ
                                         180        226,202.68          1
                                       5.750          1,885.03         79
                                       5.500          1,885.03
    OREGON CITY      OR   97045          2            10/25/02         00
    0400714937                           05           12/01/02          0
    0400714937                           O            11/01/17
    0


    8149619          E82/G02             F           70,550.00         ZZ
                                         180         70,317.58          1
                                       6.500            614.57         50
                                       6.250            614.57
    JUPITER          FL   33477          2            10/23/02         00
    0400682209                           01           12/01/02          0
    0400682209                           O            11/01/17
    0


    8149657          E82/G02             F           96,800.00         ZZ
                                         180         96,467.15          1
                                       6.000            816.85         44
                                       5.750            816.85
    LODI             CA   95242          2            10/23/02         00
    0400712048                           05           12/01/02          0
    0400712048                           O            11/01/17
    0


1


    8149661          E82/G02             F          167,500.00         ZZ
                                         180        166,246.41          1
                                       5.875          1,402.17         52
                                       5.625          1,402.17
    WACO             TX   76708          2            10/25/02         00
    0400705984                           05           12/01/02          0
    1532295                              O            11/01/17
    0


    8149671          E82/G02             F          101,500.00         ZZ
                                         180        100,547.25          1
                                       5.875            849.68         16
                                       5.625            849.68
    GREENBROOK       NJ   08812          2            10/25/02         00
    0400719860                           05           12/01/02          0
    1843710                              O            11/01/17
    0


    8149679          E82/G02             F           71,500.00         ZZ
                                         180         71,264.45          1
                                       6.500            622.84         39
                                       6.250            622.84
    PORTLAND         OR   97217          5            10/25/02         00
    0400717633                           05           12/01/02          0
    0400717633                           O            11/01/17
    0


    8149699          E82/G02             F           90,000.00         ZZ
                                         180         89,687.21          1
                                       5.875            753.41         29
                                       5.625            753.41
    TORRANCE         CA   90501          5            10/21/02         00
    0400699732                           05           12/01/02          0
    0400699732                           O            11/01/17
    0


    8149713          E82/G02             F          136,450.00         ZZ
                                         180        136,010.07          4
                                       6.750          1,207.46         69
                                       6.500          1,207.46
    KENNETT SQUARE   PA   19348          2            10/25/02         00
    0400687778                           05           12/01/02          0
    1591291                              N            11/01/17
    0


    8149721          E82/G02             F          139,500.00         ZZ
                                         180        139,020.32          1
                                       6.000          1,177.18         49
                                       5.750          1,177.18
1


    WILLIAMSBURG     VA   23185          2            10/25/02         00
    0400708400                           05           12/01/02          0
    1682594                              O            11/01/17
    0


    8149727          E82/G02             F           78,000.00         ZZ
                                         180         77,734.64          1
                                       6.125            663.49         49
                                       5.875            663.49
    WEST PALM BEACH  FL   33413          2            10/25/02         00
    0400698163                           03           12/01/02          0
    1891849                              O            11/01/17
    0


    8149745          E82/G02             F           90,200.00         ZZ
                                         180         89,893.14          1
                                       6.125            767.26         49
                                       5.875            767.26
    BROCKTON         MA   02301          2            10/25/02         00
    0400695011                           05           12/01/02          0
    3141162                              O            11/01/17
    0


    8150101          E45/G02             F           51,900.00         ZZ
                                         120         51,265.02          1
                                       6.000            576.20         75
                                       5.750            576.20
    LOUISVILLE       KY   40222          1            10/01/02         00
    0434833828                           05           11/01/02          0
    289708                               N            10/01/12
    0


    8150221          E22/G02             F           96,000.00         ZZ
                                         180         95,697.12          4
                                       7.000            862.88         71
                                       6.750            862.88
    KENNEWICK        WA   99336          2            10/22/02         00
    0414932756                           05           12/01/02          0
    0414932756                           N            11/01/17
    0


    8150223          E22/G02             F           97,000.00         ZZ
                                         180         96,693.97          4
                                       7.000            871.86         71
                                       6.750            871.86
    KENNEWICK        WA   99336          2            10/22/02         00
    0414933051                           05           12/01/02          0
    0414933051                           N            11/01/17
    0
1




    8150297          E22/G02             F           59,200.00         ZZ
                                         180         58,992.07          1
                                       5.750            491.60         79
                                       5.500            491.60
    MUSCLE SHOALS    AL   35661          5            10/22/02         00
    0415072479                           05           12/01/02          0
    0415072479                           O            11/01/17
    0


    8150307          E22/G02             F          125,000.00         ZZ
                                         180        124,565.58          1
                                       5.875          1,046.40         70
                                       5.625          1,046.40
    KENNEWICK        WA   99336          2            10/18/02         00
    0415084508                           03           12/01/02          0
    0415084508                           O            11/01/17
    0


    8150375          E22/G02             F          151,200.00         ZZ
                                         180        150,674.53          1
                                       5.875          1,265.72         80
                                       5.625          1,265.72
    ENGLEWOOD        CO   80110          5            10/23/02         00
    0415038934                           05           12/01/02          0
    0415038934                           O            11/01/17
    0


    8150383          E22/G02             F          104,800.00         ZZ
                                         180        104,435.78          1
                                       5.875            877.30         80
                                       5.625            877.30
    FREDERICK        MD   21702          1            10/28/02         00
    0415110733                           01           12/01/02          0
    0415110733                           N            11/01/17
    0


    8150403          E22/G02             F          104,800.00         ZZ
                                         180        104,431.90          4
                                       5.750            870.27         80
                                       5.500            870.27
    ALBUQUERQUE      NM   87123          1            10/28/02         00
    0415120971                           05           12/01/02          0
    0415120971                           O            11/01/17
    0


    8150405          E22/G02             F          412,500.00         ZZ
                                         180        411,066.42          1
1


                                       5.875          3,453.11         75
                                       5.625          3,453.11
    SAN FRANCISCO    CA   94134          5            10/18/02         00
    0415122191                           05           12/01/02          0
    0415122191                           O            11/01/17
    0


    8150431          E22/G02             F          156,300.00         ZZ
                                         180        155,779.52          1
                                       6.375          1,350.82         43
                                       6.125          1,350.82
    GLEN ARM         MD   21057          2            10/21/02         00
    0415145572                           05           12/01/02          0
    0415145572                           O            11/01/17
    0


    8150493          E22/G02             F          100,000.00         ZZ
                                         180         99,648.76          1
                                       5.750            830.41         45
                                       5.500            830.41
    MIAMI            FL   33018          5            10/23/02         00
    0415166057                           05           12/01/02          0
    0415166057                           O            11/01/17
    0


    8150573          E22/G02             F          183,350.00         ZZ
                                         180        182,712.79          1
                                       5.875          1,534.86         95
                                       5.625          1,534.86
    LAWRENCEVILLE    GA   30043          5            10/22/02         01
    0415226612                           03           12/01/02         25
    0415226612                           O            11/01/17
    0


    8150589          E22/G02             F           98,000.00         ZZ
                                         180         97,659.41          1
                                       5.875            820.38         86
                                       5.625            820.38
    OMAHA            NE   68122          5            10/22/02         11
    0415230655                           05           12/01/02         12
    0415230655                           O            11/01/17
    0


    8150623          E22/G02             F          113,984.00         ZZ
                                         180        113,592.06          1
                                       6.000            961.86         80
                                       5.750            961.86
    ROYAL PALM BEAC  FL   33411          1            10/28/02         00
    0415250133                           09           12/01/02          0
1


    0415250133                           N            11/01/17
    0


    8150657          E22/G02             F          218,000.00         ZZ
                                         180        217,289.51          2
                                       6.625          1,914.03         66
                                       6.375          1,914.03
    NORTH BERGEN     NJ   07047          2            10/28/02         00
    0414959775                           05           12/01/02          0
    0414959775                           N            11/01/17
    0


    8150681          E22/G02             F           59,500.00         ZZ
                                         180         59,303.98          1
                                       6.500            518.31         60
                                       6.250            518.31
    ELLENSBURG       WA   98926          5            10/21/02         00
    0414996611                           05           12/01/02          0
    0414996611                           N            11/01/17
    0


    8151013          M27/G02             F          248,500.00         ZZ
                                         180        247,617.87          1
                                       5.625          2,046.97         55
                                       5.375          2,046.97
    RICHMOND         VA   23229          2            10/17/02         00
    0434848032                           03           12/01/02          0
    600829959                            O            11/01/17
    0


    8151025          964/G02             F           80,000.00         ZZ
                                         180         79,727.83          1
                                       6.125            680.50         54
                                       5.875            680.50
    SACRAMENTO       CA   95822          5            10/08/02         00
    0434817458                           05           12/01/02          0
    270169                               O            11/01/17
    0


    8151039          964/G02             F          300,700.00         ZZ
                                         180        299,632.57          1
                                       5.625          2,476.96         40
                                       5.375          2,476.96
    CORONA DEL MAR   CA   92625          2            10/08/02         00
    0434811543                           03           12/01/02          0
    255127                               O            11/01/17
    0


1


    8151041          964/G02             F          186,000.00         ZZ
                                         180        185,332.72          1
                                       5.500          1,519.78         67
                                       5.250          1,519.78
    COLORADO SPRING  CO   80906          5            10/11/02         00
    0434818373                           05           12/01/02          0
    259039                               O            11/01/17
    0


    8151053          964/G02             F          118,500.00         ZZ
                                         180        118,088.17          1
                                       5.875            991.99         67
                                       5.625            991.99
    BOUNTIFUL        UT   84010          5            10/11/02         00
    0434820478                           05           12/01/02          0
    265021                               O            11/01/17
    0


    8151059          964/G02             F          215,000.00         ZZ
                                         180        214,228.69          1
                                       5.500          1,756.73         70
                                       5.250          1,756.73
    OAKLAND          CA   94607          2            10/10/02         00
    0434822334                           01           12/01/02          0
    265853                               O            11/01/17
    0


    8151063          964/G02             F          332,000.00         ZZ
                                         180        330,846.18          1
                                       5.875          2,779.24         80
                                       5.625          2,779.24
    DENVER           CO   80209          5            10/11/02         00
    0434815502                           05           12/01/02          0
    267965                               O            11/01/17
    0


    8151071          964/G02             F          320,000.00         ZZ
                                         180        318,876.01          1
                                       5.750          2,657.32         70
                                       5.500          2,657.32
    ALPINE           UT   84004          2            10/11/02         00
    0434815940                           05           12/01/02          0
    268754                               O            11/01/17
    0


    8151077          964/G02             F           70,000.00         ZZ
                                         180         69,746.21          1
                                       5.375            567.33         47
                                       5.125            567.33
1


    HOUSTON          TX   77089          1            10/18/02         00
    0434810602                           03           12/01/02          0
    270225                               O            11/01/17
    0


    8151083          964/G02             F          225,000.00         ZZ
                                         180        224,201.29          1
                                       5.625          1,853.40         63
                                       5.375          1,853.40
    LINCOLN CITY     OR   97367          2            10/10/02         00
    0434822151                           03           12/01/02          0
    273620                               O            11/01/17
    0


    8151091          964/G02             F          224,000.00         ZZ
                                         180        223,196.40          1
                                       5.500          1,830.27         73
                                       5.250          1,830.27
    COLORADO SPRING  CO   80920          5            10/16/02         00
    0434818514                           05           12/01/02          0
    276769                               O            11/01/17
    0


    8151223          601/G02             F           66,000.00         ZZ
                                         180         65,787.20          2
                                       6.750            584.05         70
                                       6.500            584.05
    ROCKFORD         IL   61108          2            10/11/02         00
    0434819181                           05           12/01/02          0
    61834040                             N            11/01/17
    0


    8151227          601/G02             F          129,000.00         ZZ
                                         180        128,081.99          1
                                       5.625          1,062.62         69
                                       5.375          1,062.62
    ORMOND BEACH     FL   32174          5            09/25/02         00
    0434818811                           03           11/01/02          0
    61915229                             O            10/01/17
    0


    8151343          U05/G02             F          150,000.00         ZZ
                                         180        149,473.13          1
                                       5.750          1,245.62         72
                                       5.500          1,245.62
    PALMDALE         CA   93551          5            10/04/02         00
    0434822854                           05           12/01/02          0
    3267906                              O            11/01/17
    0
1




    8151395          601/G02             F          140,125.00         ZZ
                                         180        139,247.79          1
                                       7.125          1,269.30         95
                                       6.875          1,269.30
    OKLAHOMA CITY    OK   73170          5            10/01/02         10
    0434816708                           05           11/01/02         25
    61863775                             O            10/01/17
    0


    8151399          U05/G02             F          300,000.00         ZZ
                                         180        298,957.39          1
                                       5.875          2,511.36         77
                                       5.625          2,511.36
    DAVIE            FL   33325          5            10/21/02         00
    0434817888                           05           12/01/02          0
    3268988                              O            11/01/17
    0


    8151463          601/G02             F          161,085.00         ZZ
                                         180        159,873.93          1
                                       6.000          1,359.33         65
                                       5.750          1,359.33
    MARIETTA         GA   30066          2            09/30/02         00
    0434841730                           03           11/01/02          0
    61776407                             O            10/01/17
    0


    8153521          737/G02             F          150,000.00         ZZ
                                         180        149,489.69          1
                                       6.125          1,275.94         56
                                       5.875          1,275.94
    PHOENIX          AZ   85054          5            10/16/02         00
    0434983557                           05           12/01/02          0
    2082618                              O            11/01/17
    0


    8153897          601/G02             F          262,000.00         ZZ
                                         180        261,089.45          1
                                       5.875          2,193.26         85
                                       5.625          2,193.26
    KANSAS CITY      MO   64109          5            10/02/02         14
    0434819587                           05           12/01/02          6
    84311449                             O            11/01/17
    0


    8154031          E45/G02             F           60,900.00         ZZ
                                         180         60,697.20          1
1


                                       6.375            526.33         56
                                       6.125            526.33
    LITHIA SPINGS    GA   30127          2            10/16/02         00
    0434844163                           05           12/01/02          0
    283418                               N            11/01/17
    0


    8154033          601/G02             F          145,500.00         ZZ
                                         180        145,010.25          1
                                       6.250          1,247.56         75
                                       6.000          1,247.56
    FORT COLLINS     CO   80526          2            10/15/02         00
    0434822565                           05           12/01/02          0
    84451766                             N            11/01/17
    0


    8154055          E45/G02             F          132,800.00         ZZ
                                         180        132,348.20          1
                                       6.125          1,129.63         80
                                       5.875          1,129.63
    SAINT PETERSBUR  FL   33705          1            10/11/02         00
    0434844106                           05           12/01/02          0
    290138                               N            11/01/17
    0


    8154057          N74/G02             F           40,000.00         ZZ
                                         180         39,678.30          1
                                       6.375            345.70         49
                                       6.125            345.70
    STAUNTON         VA   24401          2            10/18/02         00
    0434843538                           05           11/23/02          0
    0030931010                           O            10/23/17
    0


    8154133          E45/G02             F          132,000.00         ZZ
                                         180        131,560.44          1
                                       6.375          1,140.81         80
                                       6.125          1,140.81
    YUCAIPA          CA   92399          5            10/01/02         00
    0434844064                           05           12/01/02          0
    275109                               O            11/01/17
    0


    8154195          E22/G02             F          317,900.00         ZZ
                                         180        316,841.39          1
                                       6.375          2,747.45         57
                                       6.125          2,747.45
    ARLINGTON        VA   22202          2            10/28/02         00
    0414943712                           05           12/01/02          0
1


    0414943712                           N            11/01/17
    0


    8154259          E22/G02             F          182,400.00         ZZ
                                         180        181,766.00          1
                                       5.875          1,526.90         80
                                       5.625          1,526.90
    SUGAR LAND       TX   77478          1            10/29/02         00
    0415022383                           03           12/01/02          0
    0415022383                           O            11/01/17
    0


    8154293          E22/G02             F          237,000.00         ZZ
                                         180        236,158.70          1
                                       5.625          1,952.24         53
                                       5.375          1,952.24
    FORT LAUDERDALE  FL   33331          5            10/24/02         00
    0415070929                           05           12/01/02          0
    0415070929                           O            11/01/17
    0


    8154349          E22/G02             F          150,000.00         ZZ
                                         180        149,478.69          1
                                       5.875          1,255.68         32
                                       5.625          1,255.68
    ANN ARBOR        MI   48108          2            10/24/02         00
    0415117993                           29           12/01/02          0
    0415117993                           O            11/01/17
    0


    8154393          E22/G02             F          146,000.00         ZZ
                                         180        145,414.79          1
                                       5.875          1,222.19         79
                                       5.625          1,222.19
    CITRUS HEIGHTS   CA   95621          5            10/21/02         00
    0415164185                           05           12/01/02          0
    0415164185                           O            11/01/17
    0


    8154629          N74/G02             F           65,000.00         ZZ
                                         180         64,579.70          1
                                       6.750            575.19         74
                                       6.500            575.19
    REIDSVILLE       NC   27320          5            10/17/02         00
    0434867610                           05           11/22/02          0
    0030924010                           O            10/22/17
    0


1


    8154653          N74/G02             F          126,800.00         ZZ
                                         180        125,925.80          1
                                       6.000          1,070.01         80
                                       5.750          1,070.01
    MECHANICSVILLE   VA   23111          5            10/18/02         00
    0434841433                           05           11/23/02          0
    0030940010                           O            10/23/17
    0


    8154775          E84/G02             F          128,000.00         ZZ
                                         180        127,136.09          1
                                       6.250          1,097.50         76
                                       6.000          1,097.50
    LITTLETON        CO   80123          2            09/23/02         00
    0434847232                           01           11/01/02          0
    32806023                             O            10/01/17
    0


    8154851          E45/G02             F          103,200.00         ZZ
                                         180        102,841.34          1
                                       5.875            863.91         80
                                       5.625            863.91
    SARASOTA         FL   34239          5            10/10/02         00
    0434846200                           05           12/01/02          0
    202123                               O            11/01/17
    0


    8154871          E45/G02             F          595,000.00         ZZ
                                         180        593,018.65          1
                                       6.375          5,142.29         56
                                       6.125          5,142.29
    GREAT FALLS      VA   22066          2            10/08/02         00
    0434841227                           05           12/01/02          0
    284239                               O            11/01/17
    0


    8154873          X78/G02             F          133,100.00         ZZ
                                         180        132,617.45          1
                                       5.375          1,078.73         64
                                       5.125          1,078.73
    POWDER SPRINGS   GA   30127          2            10/25/02         00
    0434832861                           05           12/01/02          0
    990216                               O            11/01/17
    0


    8155097          K15/G02             F           94,000.00         ZZ
                                         180         93,709.83          1
                                       7.250            858.09         90
                                       7.000            858.09
1


    WASHINGTON       WV   26181          5            10/22/02         41
    0434817276                           05           12/01/02         12
    038105502611                         O            11/01/17
    0


    8155183          U05/G02             F          179,250.00         ZZ
                                         180        178,627.05          1
                                       5.875          1,500.53         75
                                       5.625          1,500.53
    DALLAS           TX   75205          5            10/18/02         00
    0434845368                           01           12/01/02          0
    3265633                              O            11/01/17
    0


    8155215          U05/G02             F          216,000.00         ZZ
                                         180        215,257.27          1
                                       6.000          1,822.73         80
                                       5.750          1,822.73
    MISSOULA         MT   59801          5            10/18/02         00
    0434838546                           05           12/01/02          0
    3271695                              O            11/01/17
    0


    8155269          K15/G02             F          167,500.00         ZZ
                                         180        166,911.66          1
                                       5.750          1,390.94         84
                                       5.500          1,390.94
    UNIVERSITY HEIG  OH   44118          5            10/23/02         41
    0434839023                           05           12/01/02          6
    028605503398                         O            11/01/17
    0


    8155615          Q30/G02             F          278,295.00         ZZ
                                         180        277,123.34          1
                                       5.875          2,329.66         58
                                       5.625          2,329.66
    PORT WASHINGTON  NY   11050          2            10/24/02         00
    0434843025                           05           12/01/02          0
    21016800                             O            11/01/17
    0


    8156573          U36/G02             F          380,000.00         ZZ
                                         180        378,651.07          1
                                       5.625          3,130.18         59
                                       5.375          3,130.18
    SILVER SPRING    MD   20905          1            10/11/02         00
    0434840757                           03           12/01/02          0
    821332002                            O            11/01/17
    0
1




    8156575          U05/G02             F           81,600.00         ZZ
                                         180         81,319.41          1
                                       6.000            688.59         80
                                       5.750            688.59
    COOPER CITY      FL   33328          2            10/23/02         00
    0434838413                           07           12/01/02          0
    3265606                              N            11/01/17
    0


    8156771          Q87/G02             F           60,000.00         ZZ
                                         180         59,291.48          1
                                       5.875            502.27         54
                                       5.625            502.27
    BUFFALO          MO   65622          5            10/25/02         00
    0434841326                           05           12/01/02          0
    CAJA05                               O            11/01/17
    0


    8156773          Q87/G02             F           64,800.00         ZZ
                                         180         64,574.80          1
                                       5.875            542.45         87
                                       5.625            542.45
    MOBILE           AL   36608          2            10/24/02         10
    0434847315                           05           12/01/02         12
    BURI01                               O            11/01/17
    0


    8156827          L76/G02             F           87,375.00         ZZ
                                         180         87,105.28          1
                                       7.250            797.61         75
                                       7.000            797.61
    UNION            MO   63084          5            10/24/02         00
    0434841797                           05           12/01/02          0
    991382                               N            11/01/17
    0


    8156831          N74/G02             F           74,550.00         ZZ
                                         120         74,113.33          1
                                       6.750            856.01         71
                                       6.500            856.01
    STATESVILLE      NC   28625          5            10/23/02         00
    0434843272                           05           12/01/02          0
    0030973010                           O            11/01/12
    0


    8156833          N74/G02             F           39,200.00         ZZ
                                         180         38,929.75          1
1


                                       6.000            330.79         80
                                       5.750            330.79
    WICHITA          KS   67213          5            10/24/02         00
    0434843140                           05           11/29/02          0
    0030977010                           O            10/29/17
    0


    8156861          A35/G02             F          184,000.00         ZZ
                                         180        183,380.67          1
                                       6.250          1,577.66         80
                                       6.000          1,577.66
    WEST BABYLON     NY   11704          5            10/16/02         00
    0434840476                           05           12/01/02          0
    936825                               O            11/01/17
    0


    8157125          E82/G02             F           52,800.00         ZZ
                                         180         52,614.54          1
                                       5.750            438.46         38
                                       5.500            438.46
    RIVERSIDE        CA   92508          2            10/23/02         00
    0400716361                           05           12/01/02          0
    1602035                              O            11/01/17
    0


    8157149          E82/G02             F          103,100.00         ZZ
                                         180        102,741.69          1
                                       5.875            863.07         48
                                       5.625            863.07
    LEICESTER        MA   01524          2            10/25/02         00
    0400710968                           05           12/01/02          0
    7814337                              O            11/01/17
    0


    8157167          E82/G02             F           66,200.00         ZZ
                                         180         66,200.00          1
                                       5.875            554.17         45
                                       5.625            554.17
    GREEN ISLE       MN   55338          2            10/28/02         00
    0400699286                           05           01/01/03          0
    2865376                              O            12/01/17
    0


    8157205          E82/G02             F          241,000.00         T
                                         180        240,162.44          1
                                       5.875          2,017.46         72
                                       5.625          2,017.46
    TAOS             NM   87571          2            10/29/02         00
    0400712022                           05           12/01/02          0
1


    0400712022                           O            11/01/17
    0


    8157227          E82/G02             F          118,100.00         ZZ
                                         180        117,690.50          1
                                       6.000            996.59         62
                                       5.750            996.59
    KINGS MOUNTAIN   NC   28086          2            10/24/02         00
    0400696258                           05           12/01/02          0
    4585482                              O            11/01/17
    0


    8157251          E82/G02             F          171,500.00         ZZ
                                         180        170,903.98          4
                                       5.875          1,435.66         49
                                       5.625          1,435.66
    MANTECA          CA   95336          2            10/25/02         00
    0400704169                           05           12/01/02          0
    1618877                              N            11/01/17
    0


    8157255          E82/G02             F           85,900.00         ZZ
                                         180         85,598.28          1
                                       5.750            713.32         76
                                       5.500            713.32
    BAKERSFIELD      CA   93312          2            10/31/02         00
    0400723573                           05           12/01/02          0
    1664880                              N            11/01/17
    0


    8157331          G34/G02             F          148,300.00         ZZ
                                         180        147,767.98          1
                                       5.500          1,211.73         33
                                       5.250          1,211.73
    LAS VEGAS        NV   89123          2            10/24/02         00
    0434846440                           05           12/01/02          0
    39012292                             O            11/01/17
    0


    8157529          E22/G02             F           81,600.00         ZZ
                                         180         81,348.10          1
                                       7.250            744.90         80
                                       7.000            744.90
    HOUSTON          TX   77023          5            10/30/02         00
    0414499897                           05           12/01/02          0
    0414499897                           N            11/01/17
    0


1


    8157539          E22/G02             F          720,000.00         ZZ
                                         180        717,550.50          1
                                       6.125          6,124.50         63
                                       5.875          6,124.50
    SAN FRANCISCO    CA   94131          2            10/24/02         00
    0414806505                           05           12/01/02          0
    0414806505                           O            11/01/17
    0


    8157613          E22/G02             F          102,000.00         ZZ
                                         180        101,667.57          1
                                       6.625            895.55         74
                                       6.375            895.55
    HOUSTON          TX   77065          5            10/25/02         00
    0414999953                           03           12/01/02          0
    0414999953                           O            11/01/17
    0


    8157717          E22/G02             F           80,500.00         ZZ
                                         180         80,220.23          1
                                       5.875            673.88         65
                                       5.625            673.88
    LARAMIE          WY   82072          5            10/25/02         00
    0415099134                           05           12/01/02          0
    0415099134                           O            11/01/17
    0


    8157721          E22/G02             F          119,700.00         ZZ
                                         180        119,275.08          1
                                       5.625            986.01         66
                                       5.375            986.01
    LOVELAND         CO   80538          5            10/25/02         00
    0415104017                           05           12/01/02          0
    0415104017                           O            11/01/17
    0


    8157729          E22/G02             F          389,000.00         ZZ
                                         180        387,648.09          1
                                       5.875          3,256.39         66
                                       5.625          3,256.39
    FAIRFAX          VA   22030          1            10/30/02         00
    0415109503                           05           12/01/02          0
    0415109503                           O            11/01/17
    0


    8157735          E22/G02             F           60,000.00         ZZ
                                         180         59,793.69          1
                                       6.000            506.31         48
                                       5.750            506.31
1


    HIALEAH          FL   33018          1            10/30/02         00
    0415111640                           05           12/01/02          0
    0415111640                           O            11/01/17
    0


    8157737          E22/G02             F          184,000.00         ZZ
                                         180        183,367.30          1
                                       6.000          1,552.70         80
                                       5.750          1,552.70
    WHITESBORO       TX   76273          5            10/25/02         00
    0415113497                           05           12/01/02          0
    0415113497                           O            11/01/17
    0


    8157759          E22/G02             F          350,000.00         ZZ
                                         180        348,783.63          1
                                       5.875          2,929.91         59
                                       5.625          2,929.91
    MARLBORO         NJ   07746          5            10/25/02         00
    0415131242                           05           12/01/02          0
    0415131242                           O            11/01/17
    0


    8157771          E22/G02             F          200,000.00         ZZ
                                         180        199,304.93          1
                                       5.875          1,674.24         55
                                       5.625          1,674.24
    NUTLEY           NJ   07110          5            10/25/02         00
    0415139476                           05           12/01/02          0
    0415139476                           O            11/01/17
    0


    8157787          E22/G02             F          472,000.00         T
                                         180        470,359.63          1
                                       5.875          3,951.20         80
                                       5.625          3,951.20
    BOCA RATON       FL   33496          1            10/30/02         00
    0415151315                           03           12/01/02          0
    0415151315                           O            11/01/17
    0


    8157791          E22/G02             F          474,000.00         ZZ
                                         180        472,352.69          1
                                       5.875          3,967.94         73
                                       5.625          3,967.94
    COLLEYVILLE      TX   76034          5            10/25/02         00
    0415152891                           03           12/01/02          0
    0415152891                           O            11/01/17
    0
1




    8157801          E22/G02             F          298,000.00         ZZ
                                         180        296,953.30          1
                                       5.750          2,474.62         52
                                       5.500          2,474.62
    PARK RIDGE       IL   60068          2            10/25/02         00
    0415162924                           05           12/01/02          0
    0415162924                           O            11/01/17
    0


    8157803          E22/G02             F          232,000.00         ZZ
                                         180        231,176.44          1
                                       5.625          1,911.06         50
                                       5.375          1,911.06
    WILTON MANORS    FL   33305          2            10/25/02         00
    0415167386                           05           12/01/02          0
    0415167386                           O            11/01/17
    0


    8157805          E22/G02             F           90,000.00         ZZ
                                         180         89,687.21          1
                                       5.875            753.41         90
                                       5.625            753.41
    MOBILE           AL   36695          5            10/25/02         10
    0415170273                           05           12/01/02         12
    0415170273                           O            11/01/17
    0


    8157853          E22/G02             F          115,600.00         ZZ
                                         180        115,210.90          1
                                       6.250            991.18         80
                                       6.000            991.18
    RICHARDSON       TX   75081          1            10/30/02         00
    0415189877                           05           12/01/02          0
    0415189877                           N            11/01/17
    0


    8157855          E22/G02             F          116,000.00         ZZ
                                         180        115,596.86          1
                                       5.875            971.06         80
                                       5.625            971.06
    FISHERS          IN   46038          1            10/30/02         00
    0415192335                           05           12/01/02          0
    0415192335                           O            11/01/17
    0


    8157895          E22/G02             F           45,000.00         T
                                         180         44,848.53          1
1


                                       6.250            385.84         38
                                       6.000            385.84
    OJAI             CA   93023          2            10/24/02         00
    0415213842                           05           12/01/02          0
    0415213842                           O            11/01/17
    0


    8157911          E22/G02             F          130,000.00         ZZ
                                         180        129,548.21          1
                                       5.875          1,088.25         35
                                       5.625          1,088.25
    SAN JOSE         CA   95122          2            10/24/02         00
    0415229434                           05           12/01/02          0
    0415229434                           N            11/01/17
    0


    8157955          E22/G02             F          147,920.00         ZZ
                                         180        147,394.92          1
                                       5.625          1,218.46         80
                                       5.375          1,218.46
    RENO             NV   89506          1            10/28/02         00
    0415275783                           03           12/01/02          0
    0415275783                           O            11/01/17
    0


    8158133          M24/G02             F          263,500.00         ZZ
                                         180        262,613.09          1
                                       6.250          2,259.31         69
                                       6.000          2,259.31
    CAMARILLO        CA   93010          5            10/10/02         00
    0434845087                           05           12/01/02          0
    243105236                            O            11/01/17
    0


    8158491          X51/G02             F          185,000.00         ZZ
                                         180        184,357.06          1
                                       5.875          1,548.67         78
                                       5.625          1,548.67
    DOWNEY           CA   90241          2            10/23/02         00
    0434835393                           05           12/01/02          0
    R2090788                             O            11/01/17
    0


    8158541          K15/G02             F           56,700.00         ZZ
                                         180         56,524.97          1
                                       7.250            517.59         86
                                       7.000            517.59
    BREAUX BRIDGE    LA   70517          5            10/23/02         41
    0434841672                           05           12/01/02         12
1


    000905504601                         O            11/01/17
    0


    8158615          P09/G02             F          143,000.00         ZZ
                                         180        142,497.72          1
                                       5.750          1,187.49         40
                                       5.500          1,187.49
    FAIRFAX          VA   22030          2            10/25/02         00
    0434844247                           05           12/01/02          0
    209641                               O            11/01/17
    0


    8158621          940/G02             F           80,850.00         ZZ
                                         180         80,583.65          1
                                       6.500            704.29         77
                                       6.250            704.29
    HESPERIA         CA   92345          5            10/18/02         00
    0434840773                           05           12/01/02          0
    65020454                             O            11/01/17
    0


    8158653          T44/G02             F          137,500.00         ZZ
                                         180        137,037.19          1
                                       6.250          1,178.96         79
                                       6.000          1,178.96
    MEMPHIS          TN   38125          5            10/24/02         00
    0434832499                           05           12/01/02          0
    1052681                              O            11/01/17
    0


    8158851          H93/G02             F          368,000.00         ZZ
                                         180        366,721.07          1
                                       5.875          3,080.60         74
                                       5.625          3,080.60
    SAINT JOSEPH     MO   64505          2            10/16/02         00
    0434840666                           05           12/01/02          0
    GLH1231                              O            11/01/17
    0


    8159653          M29/G02             F          225,000.00         ZZ
                                         180        224,209.71          1
                                       5.750          1,868.42         79
                                       5.500          1,868.42
    PARKER           CO   80134          5            10/25/02         00
    0434906160                           03           12/01/02          0
    0210148WSCAH                         O            11/01/17
    0


1


    8159799          G34/G02             F          154,000.00         ZZ
                                         180        153,459.09          1
                                       5.750          1,278.83         62
                                       5.500          1,278.83
    ELK GROVE        CA   95624          2            10/08/02         00
    0434861092                           05           12/01/02          0
    48200582                             O            11/01/17
    0


    8161211          F25/G02             F          225,000.00         ZZ
                                         180        224,218.04          1
                                       5.875          1,883.52         24
                                       5.625          1,883.52
    KATONAH          NY   10536          5            10/26/02         00
    0434868402                           05           12/01/02          0
    992632                               O            11/01/17
    0


    8161303          E22/G02             F          410,000.00         ZZ
                                         180        405,050.00          1
                                       6.000          3,459.81         69
                                       5.750          3,459.81
    MISSION VIEJO    CA   92692          5            10/24/02         00
    0414279919                           03           12/01/02          0
    0414279919                           O            11/01/17
    0


    8161393          E22/G02             F          200,000.00         ZZ
                                         180        199,304.93          1
                                       5.875          1,674.24         42
                                       5.625          1,674.24
    NAPA             CA   94558          5            10/23/02         00
    0414974253                           01           12/01/02          0
    0414974253                           O            11/01/17
    0


    8161517          E22/G02             F          190,000.00         ZZ
                                         180        189,360.48          1
                                       6.250          1,629.10         43
                                       6.000          1,629.10
    BURBANK          CA   91504          5            10/28/02         00
    0415164599                           05           12/01/02          0
    0415164599                           N            11/01/17
    0


    8161553          X64/G02             F           60,000.00         ZZ
                                         180         59,804.45          1
                                       6.625            526.80         34
                                       6.375            526.80
1


    MACOMB           MI   48044          5            10/25/02         00
    0434875043                           05           12/01/02          0
    I94213501                            O            11/01/17
    0


    8161617          E22/G02             F          385,000.00         ZZ
                                         180        383,633.32          1
                                       5.625          3,171.37         80
                                       5.375          3,171.37
    BURBANK          CA   91504          5            10/24/02         00
    0415225366                           05           12/01/02          0
    0415225366                           O            11/01/17
    0


    8161739          E22/G02             F           29,000.00         ZZ
                                         180         28,906.51          1
                                       6.750            256.62         70
                                       6.500            256.62
    MIDFIELD         AL   35228          2            10/31/02         00
    0415311430                           05           12/01/02          0
    0415311430                           N            11/01/17
    0


    8161857          E47/G02             F          214,000.00         ZZ
                                         180        213,302.55          2
                                       6.625          1,878.91         77
                                       6.375          1,878.91
    SANTA ANA        CA   92704          2            10/09/02         00
    0434847588                           05           12/01/02          0
    7331014509                           O            11/01/17
    0


    8161911          W02/G02             F           93,700.00         ZZ
                                         180         93,377.71          1
                                       6.000            790.79         65
                                       5.750            790.79
    CARDINGTON       OH   43315          5            10/22/02         00
    0434857017                           05           12/01/02          0
    20157                                O            11/01/17
    0


    8161983          X08/G02             F          478,000.00         ZZ
                                         180        476,356.36          1
                                       6.000          4,033.64         73
                                       5.750          4,033.64
    OGDEN            UT   84404          5            10/07/02         00
    0434997250                           05           12/01/02          0
    2798351                              O            11/01/17
    0
1




    8162015          Q87/G02             F           84,500.00         ZZ
                                         120         83,980.87          1
                                       5.875            932.83         75
                                       5.625            932.83
    BIRMINGHAM       AL   35235          5            10/24/02         00
    0434870747                           05           12/01/02          0
    MYKE01                               O            11/01/12
    0


    8162293          U05/G02             F          225,000.00         ZZ
                                         180        224,218.04          1
                                       5.875          1,883.52         75
                                       5.625          1,883.52
    JOPPA            MD   21085          5            10/24/02         00
    0434901773                           05           12/01/02          0
    3273190                              N            11/01/17
    0


    8162383          N74/G02             F          120,000.00         ZZ
                                         180        119,560.35          1
                                       5.250            964.65         58
                                       5.000            964.65
    NORTH WILKESBOR  NC   28659          1            10/24/02         00
    0434953451                           05           12/01/02          0
    0030983010                           O            11/01/17
    0


    8162663          642/G02             F          119,000.00         ZZ
                                         180        118,586.43          1
                                       5.875            996.17         75
                                       5.625            996.17
    PUEBLO           CO   81008          2            10/08/02         00
    0434883369                           05           12/01/02          0
    09154602                             O            11/01/17
    0


    8162903          883/G02             F          125,600.00         ZZ
                                         180        125,168.12          1
                                       6.000          1,059.88         80
                                       5.750          1,059.88
    NAPLES           FL   34116          2            10/18/02         00
    0434851317                           05           12/01/02          0
    05018818                             O            11/01/17
    0


    8162959          Q14/G02             F           95,300.00         ZZ
                                         180         94,961.70          1
1


                                       5.625            785.02         70
                                       5.375            785.02
    OVERLAND PARK    KS   66210          2            10/25/02         00
    0434842308                           09           12/01/02          0
    0000209654                           O            11/01/17
    0


    8163117          X64/G02             F          200,000.00         ZZ
                                         180        199,282.50          1
                                       5.500          1,634.17         53
                                       5.250          1,634.17
    BEVERLY HILLS    MI   48025          2            10/17/02         00
    0434846747                           05           12/01/02          0
    001988659                            O            11/01/17
    0


    8163123          G34/G02             F           99,300.00         ZZ
                                         180         98,943.76          1
                                       5.500            811.36         74
                                       5.250            811.36
    ROYSE CITY       TX   75189          5            10/22/02         00
    0434866554                           05           12/01/02          0
    85207427                             O            11/01/17
    0


    8163135          U05/G02             F          122,350.00         ZZ
                                         180        121,933.75          1
                                       6.125          1,040.74         79
                                       5.875          1,040.74
    TAMARAC          FL   33321          5            10/24/02         00
    0434870119                           05           12/01/02          0
    3268148                              O            11/01/17
    0


    8163175          E98/G02             F          495,000.00         ZZ
                                         180        493,351.65          1
                                       6.375          4,278.04         90
                                       6.125          4,278.04
    SHAKOPEE         MN   55379          1            11/01/02         04
    0434860516                           05           12/01/02         25
    8240001615979                        O            11/01/17
    0


    8163895          E82/G02             F           72,400.00         ZZ
                                         180         72,400.00          1
                                       5.875            606.07         21
                                       5.625            606.07
    VISTA            CA   92083          2            10/28/02         00
    0400705901                           05           01/01/03          0
1


    1790759                              O            12/01/17
    0


    8163911          E82/G02             F           86,300.00         ZZ
                                         180         86,300.00          1
                                       6.000            728.25         67
                                       5.750            728.25
    ELGIN            TX   78621          2            10/31/02         00
    0400689808                           05           01/01/03          0
    1777312                              O            12/01/17
    0


    8163919          E82/G02             F          275,000.00         ZZ
                                         180        274,044.27          1
                                       5.875          2,302.08         58
                                       5.625          2,302.08
    SEAL ROCK        OR   97376          2            10/30/02         00
    0400707428                           05           12/01/02          0
    1856587                              O            11/01/17
    0


    8163923          E82/G02             F           77,300.00         ZZ
                                         180         77,300.00          1
                                       5.875            647.09         66
                                       5.625            647.09
    MIAMI            FL   33186          2            10/31/02         00
    0400730834                           09           01/01/03          0
    5141590                              O            12/01/17
    0


    8163937          E82/G02             F          121,600.00         ZZ
                                         180        121,177.39          1
                                       5.875          1,017.94         80
                                       5.625          1,017.94
    BOYNTON BEACH    FL   33435          2            10/30/02         00
    0400726469                           05           12/01/02          0
    4142107                              O            11/01/17
    0


    8163941          E82/G02             F           74,900.00         ZZ
                                         180         74,900.00          1
                                       5.750            621.98         63
                                       5.500            621.98
    HOPATCONG        NJ   07843          2            10/31/02         00
    0400719597                           05           01/01/03          0
    2886678                              O            12/01/17
    0


1


    8163961          E22/G02             F          149,500.00         ZZ
                                         180        148,974.89          1
                                       5.750          1,241.46         95
                                       5.500          1,241.46
    BAYTOWN          TX   77521          2            10/28/02         04
    0415054634                           05           12/01/02         25
    0415054634                           O            11/01/17
    0


    8163975          E22/G02             F          110,000.00         ZZ
                                         180        109,629.75          1
                                       6.250            943.17         70
                                       6.000            943.17
    NORTHPORT        MI   49670          5            10/28/02         00
    0415059773                           05           12/01/02          0
    0415059773                           O            11/01/17
    0


    8163999          E82/G02             F          170,000.00         ZZ
                                         180        169,433.90          1
                                       6.375          1,469.23         54
                                       6.125          1,469.23
    NAVARRE          FL   32566          2            10/31/02         00
    0400725552                           05           12/01/02          0
    1556430                              N            11/01/17
    0


    8164007          E82/G02             F           97,300.00         ZZ
                                         180         97,300.00          1
                                       5.875            814.52         61
                                       5.625            814.52
    CHANDLER         AZ   85224          2            11/01/02         00
    0400718292                           05           01/01/03          0
    1685392                              N            12/01/17
    0


    8164075          E22/G02             F          105,600.00         ZZ
                                         180        105,266.84          1
                                       7.000            949.16         80
                                       6.750            949.16
    KEEGO HARBOR     MI   48320          5            10/28/02         00
    0415156660                           01           12/01/02          0
    0415156660                           O            11/01/17
    0


    8164091          E22/G02             F           59,250.00         ZZ
                                         180         59,050.57          1
                                       6.250            508.02         75
                                       6.000            508.02
1


    MUSKEGON         MI   49445          5            11/01/02         00
    0415172402                           05           12/01/02          0
    0415172402                           N            11/01/17
    0


    8164099          E22/G02             F           94,240.00         ZZ
                                         180         93,922.79          1
                                       6.250            808.04         80
                                       6.000            808.04
    TULARE           CA   93274          1            10/29/02         00
    0415176981                           05           12/01/02          0
    0415176981                           O            11/01/17
    0


    8164107          E22/G02             F           99,750.00         ZZ
                                         180         99,403.33          1
                                       5.875            835.03         92
                                       5.625            835.03
    OKLAHOMA CITY    OK   73135          5            10/28/02         01
    0415183748                           05           12/01/02         25
    0415183748                           O            11/01/17
    0


    8164179          E22/G02             F           72,000.00         ZZ
                                         180         71,757.66          1
                                       6.250            617.34         74
                                       6.000            617.34
    MOBILE           AL   36695          5            10/28/02         00
    0415267517                           05           12/01/02          0
    0415267517                           O            11/01/17
    0


    8164333          E84/G02             F          155,500.00         ZZ
                                         180        151,930.83          1
                                       6.750          1,376.03         73
                                       6.500          1,376.03
    CARY             NC   27511          1            04/12/02         00
    0434816112                           01           06/01/02          0
    65232832                             O            05/01/17
    0


    8166031          U05/G02             F           76,800.00         ZZ
                                         180         76,533.09          1
                                       5.875            642.91         74
                                       5.625            642.91
    WICHITA FALLS    TX   76310          5            10/23/02         00
    0434881371                           05           12/01/02          0
    3271513                              O            11/01/17
    0
1




    8166037          X81/G02             F          174,000.00         ZZ
                                         180        173,426.77          4
                                       6.500          1,515.73         60
                                       6.250          1,515.73
    BUFFALO          MN   55313          2            10/25/02         00
    0434848263                           05           12/01/02          0
    952614                               N            11/01/17
    0


    8166217          P09/G02             F           94,500.00         ZZ
                                         180         94,178.50          1
                                       6.125            803.84         60
                                       5.875            803.84
    ALEXANDRIA       VA   22304          5            10/29/02         00
    0434887246                           06           12/01/02          0
    0209637                              O            11/01/17
    0


    8166925          P21/G02             F           74,500.00         ZZ
                                         180         74,243.83          1
                                       6.000            628.67         89
                                       5.750            628.67
    EVANSVILLE       IN   47712          2            10/23/02         01
    0434962304                           05           12/01/02         12
    0210029                              O            11/01/17
    0


    8167481          E47/G02             F           73,600.00         ZZ
                                         180         73,341.49          1
                                       5.750            611.18         57
                                       5.500            611.18
    YORK             SC   29745          2            10/18/02         00
    0434876256                           05           12/01/02          0
    7350510433                           N            11/01/17
    0


    8167813          P09/G02             F           60,000.00         ZZ
                                         180         59,795.88          1
                                       6.125            510.37         46
                                       5.875            510.37
    COLUMBIA         MD   21046          5            10/28/02         00
    0434896551                           01           12/01/02          0
    WALKUPNOO                            N            11/01/17
    0


    8167893          P09/G02             F          107,500.00         ZZ
                                         180        107,122.41          1
1


                                       5.750            892.69         52
                                       5.500            892.69
    COLUMBIA         MD   21046          2            10/28/02         00
    0434884557                           09           12/01/02          0
    0209615                              O            11/01/17
    0


    8168127          477/G02             F          280,000.00         ZZ
                                         180        279,016.52          1
                                       5.750          2,325.15         80
                                       5.500          2,325.15
    LA PALMA         CA   90623          5            10/10/02         00
    0434858841                           05           12/01/02          0
    234207                               O            11/01/17
    0


    8168469          E22/G02             F          324,000.00         ZZ
                                         180        324,000.00          1
                                       6.000          2,734.10         80
                                       5.750          2,734.10
    PLANO            TX   75093          5            10/28/02         00
    0415103118                           03           01/01/03          0
    0415103118                           O            12/01/17
    0


    8168483          E22/G02             F          117,600.00         ZZ
                                         180        117,182.54          1
                                       5.625            968.71         80
                                       5.375            968.71
    RICHARDSON       TX   75082          5            10/30/02         00
    0415111277                           05           12/01/02          0
    0415111277                           O            11/01/17
    0


    8168557          E22/G02             F          160,550.00         ZZ
                                         180        160,026.75          1
                                       6.625          1,409.62         95
                                       6.375          1,409.62
    COOPER CITY      FL   33328          5            10/29/02         10
    0414948588                           05           12/01/02         30
    0414948588                           O            11/01/17
    0


    8168591          E22/G02             F           69,350.00         ZZ
                                         180         69,126.41          1
                                       6.750            613.68         95
                                       6.500            613.68
    SHORTER          AL   36075          5            10/29/02         01
    0415026228                           05           12/01/02         25
1


    0415026228                           O            11/01/17
    0


    8168645          E22/G02             F           61,750.00         ZZ
                                         180         61,537.67          1
                                       6.000            521.08         95
                                       5.750            521.08
    CLANTON          AL   35045          5            10/30/02         04
    0415169044                           05           12/01/02         25
    0415169044                           O            11/01/17
    0


    8168697          E22/G02             F          650,000.00         ZZ
                                         180        647,741.02          1
                                       5.875          5,441.27         73
                                       5.625          5,441.27
    SAN ANTONIO      TX   78257          5            10/30/02         00
    0415196930                           03           12/01/02          0
    0415196930                           O            11/01/17
    0


    8168703          E22/G02             F          120,000.00         ZZ
                                         180        119,582.96          1
                                       5.875          1,004.54         80
                                       5.625          1,004.54
    SAN ANTONIO      TX   78248          5            10/29/02         00
    0415202753                           03           12/01/02          0
    0415202753                           O            11/01/17
    0


    8168727          E22/G02             F          102,000.00         ZZ
                                         180        101,645.51          1
                                       5.875            853.86         89
                                       5.625            853.86
    DURHAM           NC   27704          5            10/30/02         10
    0415216787                           05           12/01/02         12
    0415216787                           O            11/01/17
    0


    8168863          E22/G02             F          105,000.00         ZZ
                                         180        104,570.47          1
                                       5.875            878.97         58
                                       5.625            878.97
    MIDDLETOWN       RI   02842          5            10/30/02         00
    0415321827                           05           12/01/02          0
    0415321827                           O            11/01/17
    0


1


    8168893          E82/G02             F           42,350.00         T
                                         180         42,204.38          1
                                       6.000            357.37         66
                                       5.750            357.37
    SHOW LOW         AZ   85901          2            10/25/02         00
    0400698825                           01           12/01/02          0
    1612459                              O            11/01/17
    0


    8168979          E82/G02             F           73,000.00         ZZ
                                         180         73,000.00          1
                                       5.750            606.20         25
                                       5.500            606.20
    FORT COLLINS     CO   80521          2            11/01/02         00
    0400715355                           05           01/01/03          0
    1838908                              O            12/01/17
    0


    8168987          E82/G02             F           49,500.00         ZZ
                                         180         49,327.97          1
                                       5.875            414.37         61
                                       5.625            414.37
    CINCINNATI       OH   45231          2            11/01/02         00
    0400722286                           05           12/01/02          0
    1640117                              N            11/01/17
    0


    8168993          E82/G02             F           95,700.00         ZZ
                                         180         95,700.00          1
                                       5.875            801.12         53
                                       5.625            801.12
    HAWTHORNE        CA   90250          2            10/30/02         00
    0400719407                           05           01/01/03          0
    1907623                              O            12/01/17
    0


    8168995          E82/G02             F          164,000.00         ZZ
                                         180        164,000.00          1
                                       5.750          1,361.87         41
                                       5.500          1,361.87
    GRASS VALLEY     CA   95945          2            10/30/02         00
    0400708848                           05           01/01/03          0
    1793802                              O            12/01/17
    0


    8169015          E82/G02             F           91,050.00         ZZ
                                         180         90,743.54          2
                                       6.250            780.68         53
                                       6.000            780.68
1


    STATEN ISLAND    NY   10302          2            10/28/02         00
    0400671418                           05           12/01/02          0
    1599205                              O            11/01/17
    0


    8169101          R65/G02             F          500,000.00         ZZ
                                         180        498,262.33          1
                                       5.875          4,185.59         56
                                       5.625          4,185.59
    OXBOW            ND   58047          5            10/25/02         00
    0434857942                           05           12/01/02          0
    151410013000000                      O            11/01/17
    0


    8169149          T29/G02             F          195,000.00         T
                                         180        194,343.65          1
                                       6.250          1,671.97         79
                                       6.000          1,671.97
    DILLON           CO   80435          2            10/18/02         00
    0435052139                           01           12/01/02          0
    1523276                              O            11/01/17
    0


    8169151          U05/G02             F           47,000.00         ZZ
                                         180         46,836.65          1
                                       5.875            393.45         35
                                       5.625            393.45
    PHOENIX          AZ   85016          5            10/15/02         00
    0434879037                           05           12/01/02          0
    3267884                              O            11/01/17
    0


    8169179          U05/G02             F          138,000.00         ZZ
                                         180        137,535.51          1
                                       6.250          1,183.24         41
                                       6.000          1,183.24
    ROSEMEAD         CA   91770          5            10/17/02         00
    0434989364                           05           12/01/02          0
    3264238                              O            11/01/17
    0


    8169271          E47/G02             F           82,700.00         ZZ
                                         180         82,412.59          1
                                       5.875            692.30         58
                                       5.625            692.30
    MADERA           CA   93638          2            10/14/02         00
    0434882577                           05           12/01/02          0
    7333012582                           O            11/01/17
    0
1




    8169781          M27/G02             F          256,000.00         ZZ
                                         180        255,129.07          1
                                       6.125          2,177.60         80
                                       5.875          2,177.60
    GERMAANTOWN      TN   38139          5            10/23/02         00
    0434904553                           05           12/01/02          0
    06008030322                          O            11/01/17
    0


    8169813          L16/G02             F          176,000.00         T
                                         180        175,407.61          1
                                       6.250          1,509.06         80
                                       6.000          1,509.06
    LAS VEGAS        NV   89117          1            10/21/02         00
    0434856605                           03           12/01/02          0
    7227                                 O            11/01/17
    0


    8169973          L16/G02             F          272,000.00         ZZ
                                         180        271,054.71          1
                                       5.875          2,276.96         80
                                       5.625          2,276.96
    DENVER           CO   80211          1            10/21/02         00
    0434856662                           05           12/01/02          0
    7426                                 O            11/01/17
    0


    8170275          X44/G02             F           40,000.00         ZZ
                                         180         39,869.63          1
                                       6.625            351.20         80
                                       6.375            351.20
    BRIDGETON        NJ   08302          1            10/24/02         00
    0434870549                           05           12/01/02          0
    7149                                 N            11/01/17
    0


    8170587          Q30/G02             F          137,900.00         ZZ
                                         180        137,420.75          1
                                       5.875          1,154.39         80
                                       5.625          1,154.39
    LAKE ARIEL       PA   18436          5            10/25/02         00
    0434892899                           03           12/01/02          0
    21018094                             O            11/01/17
    0


    8170671          W40/G02             F           58,000.00         ZZ
                                         180         57,804.77          1
1


                                       6.250            497.31         42
                                       6.000            497.31
    MIDLAND          MI   48640          2            10/31/02         00
    0434883526                           05           12/01/02          0
    101010853                            O            11/01/17
    0


    8170683          N74/G02             F           65,200.00         ZZ
                                         180         64,989.79          1
                                       6.750            576.96         71
                                       6.500            576.96
    MOAB             UT   84532          5            10/25/02         00
    0434948816                           05           12/01/02          0
    0030814010                           O            11/01/17
    0


    8170827          196/G02             F          338,000.00         ZZ
                                         180        335,742.94          1
                                       6.375          2,921.17         62
                                       6.125          2,921.17
    LONG BEACH       CA   90803          5            09/26/02         00
    0434950416                           05           11/01/02          0
    1326405                              O            10/01/17
    0


    8171079          K15/G02             F           40,000.00         ZZ
                                         180         40,000.00          1
                                       6.500            348.44         80
                                       6.250            348.44
    PENSACOLA        FL   32505          5            10/29/02         00
    0434878351                           05           01/01/03          0
    009305504116                         O            12/01/17
    0


    8171113          196/G02             F          550,000.00         ZZ
                                         180        548,068.16          1
                                       5.750          4,567.26         74
                                       5.500          4,567.26
    WAYNE            IL   60184          5            10/17/02         00
    0434878575                           05           12/01/02          0
    1576593                              O            11/01/17
    0


    8171125          196/G02             F          600,000.00         ZZ
                                         180        597,914.78          1
                                       5.875          5,022.72         75
                                       5.625          5,022.72
    VIENNA           VA   22182          5            10/09/02         00
    0434861209                           05           12/01/02          0
1


    1577094                              O            11/01/17
    0


    8171423          N47/G02             F          200,000.00         ZZ
                                         180        199,290.04          1
                                       5.625          1,647.46         52
                                       5.375          1,647.46
    CORONA           CA   92881          2            10/23/02         00
    0434886156                           05           12/01/02          0
    30520373                             O            11/01/17
    0


    8171425          X71/G02             F          172,200.00         ZZ
                                         180        171,614.16          1
                                       6.125          1,464.78         65
                                       5.875          1,464.78
    VALLEJO          CA   94589          5            10/18/02         00
    0434909628                           05           12/01/02          0
    7445765                              O            11/01/17
    0


    8171499          E23/G02             F          340,000.00         ZZ
                                         180        338,818.38          1
                                       5.875          2,846.20         66
                                       5.625          2,846.20
    CHULA VISTA      CA   91913          2            10/11/02         00
    0434849469                           03           12/01/02          0
    11014297                             O            11/01/17
    0


    8171577          N74/G02             F           79,200.00         ZZ
                                         180         78,921.82          1
                                       5.750            657.68         80
                                       5.500            657.68
    NORTH WILKESBOR  NC   28659          2            10/28/02         00
    0434953865                           05           12/01/02          0
    0030997010                           O            11/01/17
    0


    8171689          N74/G02             F          269,000.00         ZZ
                                         180        268,065.13          1
                                       5.875          2,251.85         71
                                       5.625          2,251.85
    FLOWER MOUND     TX   75028          2            10/28/02         00
    0434927778                           05           12/01/02          0
    0030959010                           O            11/01/17
    0


1


    8171785          K15/G02             F          107,300.00         ZZ
                                         180        106,927.09          1
                                       5.875            898.23         63
                                       5.625            898.23
    WEARE            NH   03281          5            10/26/02         00
    0434869574                           05           12/01/02          0
    03315044325                          O            11/01/17
    0


    8171813          624/G02             F          160,000.00         ZZ
                                         180        159,443.94          1
                                       5.875          1,339.39         66
                                       5.625          1,339.39
    SONORA           CA   95370          5            10/14/02         00
    0434856902                           05           12/01/02          0
    1000013989                           O            11/01/17
    0


    8171833          G34/G02             F          128,000.00         ZZ
                                         180        127,559.86          1
                                       6.000          1,080.14         72
                                       5.750          1,080.14
    RANCHO CUCAMONG  CA   91739          2            10/10/02         00
    0434875811                           05           12/01/02          0
    41000349                             O            11/01/17
    0


    8171859          N47/G02             F          340,000.00         ZZ
                                         180        338,818.38          1
                                       5.875          2,846.20         18
                                       5.625          2,846.20
    PIEDMONT         CA   94611          2            10/23/02         00
    0434888707                           05           12/01/02          0
    20500271                             O            11/01/17
    0


    8171891          975/G02             F          378,000.00         ZZ
                                         180        376,686.31          1
                                       5.875          3,164.31         70
                                       5.625          3,164.31
    SAN FRANCISCO    CA   94134          5            10/16/02         00
    0434864138                           07           12/01/02          0
    2023827                              O            11/01/17
    0


    8173397          950/G02             F          119,200.00         ZZ
                                         180        118,794.48          1
                                       6.125          1,013.94         80
                                       5.875          1,013.94
1


    PORT ORCHARD     WA   98367          1            10/30/02         00
    0434894937                           05           12/01/02          0
    E7210089                             N            11/01/17
    0


    8174037          X08/G02             F           50,000.00         ZZ
                                         180         49,835.28          1
                                       6.500            435.55         38
                                       6.250            435.55
    OREM             UT   84058          2            10/16/02         00
    0434884862                           05           12/01/02          0
    190JOH6012338                        N            11/01/17
    0


    8175912          U05/G02             F          101,520.00         ZZ
                                         180         98,904.75          1
                                       7.000            912.49         80
                                       6.750            912.49
    SAN JACINTO      CA   92583          1            03/08/02         00
    0433829116                           05           05/01/02          0
    3206000                              O            04/01/17
    0


    8176773          E82/G02             F           94,100.00         ZZ
                                         180         94,100.00          1
                                       5.750            781.42         56
                                       5.500            781.42
    GLENDALE         CA   91202          2            10/31/02         00
    0400707469                           05           01/01/03          0
    1508836                              O            12/01/17
    0


    8176775          E82/G02             F          135,000.00         ZZ
                                         180        135,000.00          1
                                       5.875          1,130.11         50
                                       5.625          1,130.11
    STATEN ISLAND    NY   10308          5            11/01/02         00
    0400711644                           05           01/01/03          0
    0400711644                           O            12/01/17
    0


    8176823          U28/G02             F          133,000.00         ZZ
                                         180        132,552.34          1
                                       6.250          1,140.37         54
                                       6.000          1,140.37
    DECATUR          GA   30030          5            10/24/02         00
    0434882981                           05           12/01/02          0
    BALKESLEE                            O            11/01/17
    0
1




    8177104          F28/G02             F          200,000.00         ZZ
                                         180        190,506.46          1
                                       6.750          1,769.82         80
                                       6.500          1,769.82
    FLEETWOOD        NC   28626          1            10/18/01         00
    0433746443                           05           12/01/01          0
    7491848                              O            11/01/16
    0


    8177941          K15/G02             F           61,000.00         ZZ
                                         180         60,794.68          1
                                       6.250            523.03         54
                                       6.000            523.03
    KINGSTON         NH   03848          5            10/26/02         00
    0434877015                           05           12/01/02          0
    033105504855                         O            11/01/17
    0


    8178853          N47/G02             F          250,000.00         ZZ
                                         180        249,131.16          1
                                       5.875          2,092.80         55
                                       5.625          2,092.80
    HUNTINGTON BEAC  CA   92648          5            10/24/02         00
    0434916730                           09           12/01/02          0
    30520486                             O            11/01/17
    0


    8178855          N47/G02             F          337,000.00         ZZ
                                         180        335,803.71          1
                                       5.625          2,775.98         45
                                       5.375          2,775.98
    PALOS VERDES ES  CA   90274          2            10/22/02         00
    0434899951                           05           12/01/02          0
    30500194                             O            11/01/17
    0


    8179137          N47/G02             F          300,700.00         ZZ
                                         180        299,654.96          1
                                       5.875          2,517.22         39
                                       5.625          2,517.22
    SAN JOSE         CA   95135          2            10/18/02         00
    0434886727                           05           12/01/02          0
    20620613                             O            11/01/17
    0


    8179219          N47/G02             F          500,000.00         ZZ
                                         180        498,280.72          1
1


                                       6.000          4,219.28         60
                                       5.750          4,219.28
    GILROY           CA   95020          1            10/22/02         00
    0434899704                           05           12/01/02          0
    20500417                             O            11/01/17
    0


    8179751          K15/G02             F          120,000.00         ZZ
                                         180        119,587.37          1
                                       6.000          1,012.63         80
                                       5.750          1,012.63
    BERWYN           IL   60402          5            10/09/02         00
    0434876520                           05           12/01/02          0
    029405314779                         O            11/01/17
    0


    8179775          Q59/G02             F          268,000.00         ZZ
                                         180        265,102.42          1
                                       5.500          2,189.78         64
                                       5.250          2,189.78
    FOUNTAIN VALLEY  CA   92708          5            08/16/02         00
    0434961538                           05           10/01/02          0
    401637                               O            09/01/17
    0


    8179831          M27/G02             F          170,000.00         ZZ
                                         180        169,396.54          1
                                       5.625          1,400.34         61
                                       5.375          1,400.34
    RALEIGH          NC   27614          2            10/29/02         00
    0434956512                           03           12/01/02          0
    0100018067                           O            11/01/17
    0


    8179833          M27/G02             F          262,400.00         ZZ
                                         180        261,497.72          1
                                       6.000          2,214.28         84
                                       5.750          2,214.28
    HIGH POINT       NC   27265          5            10/30/02         01
    0434920724                           05           12/01/02          6
    0100062080                           O            11/01/17
    0


    8180099          E22/G02             F           98,000.00         ZZ
                                         180         97,655.78          1
                                       5.750            813.80         84
                                       5.500            813.80
    ALBUQUERQUE      NM   87109          2            10/31/02         04
    0415205483                           07           12/01/02          6
1


    0415205483                           O            11/01/17
    0


    8180111          E22/G02             F          137,500.00         ZZ
                                         180        137,047.02          1
                                       6.500          1,197.77         88
                                       6.250          1,197.77
    OGDEN            UT   84403          2            10/24/02         04
    0415216860                           05           12/01/02         25
    0415216860                           O            11/01/17
    0


    8180115          E22/G02             F          549,000.00         ZZ
                                         180        547,152.13          1
                                       6.250          4,707.25         75
                                       6.000          4,707.25
    OAK PARK         IL   60302          5            10/31/02         00
    0415220615                           05           12/01/02          0
    0415220615                           O            11/01/17
    0


    8180163          E22/G02             F          147,600.00         ZZ
                                         180        147,092.47          1
                                       6.000          1,245.53         90
                                       5.750          1,245.53
    SCHAUMBURG       IL   60173          5            10/31/02         04
    0415264357                           01           12/01/02         25
    0415264357                           O            11/01/17
    0


    8180165          E22/G02             F          120,000.00         ZZ
                                         180        119,582.96          1
                                       5.875          1,004.54         89
                                       5.625          1,004.54
    HAMMONTON        NJ   08037          5            10/29/02         04
    0415267624                           05           12/01/02         12
    0415267624                           O            11/01/17
    0


    8180453          253/253             F           47,600.00         ZZ
                                         180         47,446.53          1
                                       6.750            421.22         85
                                       6.500            421.22
    GRAND PRAIRIE    TX   75052          1            10/31/02         10
    439194                               05           12/01/02          6
    439194                               N            11/01/17
    0


1


    8180493          E22/G02             F          107,000.00         ZZ
                                         180        107,000.00          1
                                       5.625            881.39         74
                                       5.375            881.39
    MIAMI            FL   33177          2            10/29/02         00
    0415116904                           05           01/01/03          0
    0415116904                           O            12/01/17
    0


    8180519          E22/G02             F          300,000.00         ZZ
                                         180        300,000.00          1
                                       5.625          2,471.20         80
                                       5.375          2,471.20
    COLORADO SPRING  CO   80906          5            11/01/02         00
    0415142777                           05           01/01/03          0
    0415142777                           O            12/01/17
    0


    8180539          E22/G02             F          130,000.00         ZZ
                                         180        129,548.21          1
                                       5.875          1,088.25         79
                                       5.625          1,088.25
    BAKERSFIELD      CA   93313          2            10/11/02         00
    0414842351                           05           12/01/02          0
    0414842351                           O            11/01/17
    0


    8180563          E22/G02             F          160,000.00         ZZ
                                         180        160,000.00          1
                                       5.750          1,328.66         80
                                       5.500          1,328.66
    BARTLETT         IL   60103          2            11/01/02         00
    0414971317                           05           01/01/03          0
    0414971317                           O            12/01/17
    0


    8180581          E22/G02             F          137,000.00         ZZ
                                         180        137,000.00          1
                                       6.000          1,156.08         62
                                       5.750          1,156.08
    NEWARK           DE   19711          2            11/01/02         00
    0415019454                           05           01/01/03          0
    0415019454                           O            12/01/17
    0


    8180595          E22/G02             F           92,000.00         ZZ
                                         180         92,000.00          1
                                       6.750            814.12         80
                                       6.500            814.12
1


    HELENA           MT   59602          2            11/06/02         00
    0415068782                           05           01/01/03          0
    0415068782                           N            12/01/17
    0


    8180603          E22/G02             F           78,000.00         ZZ
                                         180         78,000.00          1
                                       6.750            690.23         54
                                       6.500            690.23
    HIALEAH          FL   33013          5            11/06/02         00
    0415072255                           05           01/01/03          0
    0415072255                           N            12/01/17
    0


    8180745          E22/G02             F           72,000.00         ZZ
                                         180         72,000.00          1
                                       6.000            607.58         80
                                       5.750            607.58
    HOUSTON          TX   77066          5            11/01/02         00
    0415284561                           03           01/01/03          0
    0415284561                           O            12/01/17
    0


    8180779          E22/G02             F          110,700.00         ZZ
                                         180        110,327.39          1
                                       6.250            949.17         90
                                       6.000            949.17
    RINEYVILLE       KY   40162          5            11/01/02         04
    0415292150                           05           12/01/02         12
    0415292150                           O            11/01/17
    0


    8180799          E22/G02             F          122,000.00         ZZ
                                         180        121,584.95          1
                                       6.125          1,037.76         48
                                       5.875          1,037.76
    TROY             MI   48085          2            11/01/02         00
    0415320266                           05           12/01/02          0
    0415320266                           O            11/01/17
    0


    8180803          E22/G02             F          222,939.94         ZZ
                                         180        222,165.15          1
                                       5.875          1,866.27         75
                                       5.625          1,866.27
    LA MIRADA        CA   90638          5            10/31/02         00
    0415327717                           05           12/01/02          0
    0415327717                           O            11/01/17
    0
1




    8180807          E22/G02             F          119,000.00         ZZ
                                         180        118,599.46          1
                                       6.250          1,020.33         75
                                       6.000          1,020.33
    SAGINAW          MI   48609          2            11/01/02         00
    0415335959                           05           12/01/02          0
    0415335959                           O            11/01/17
    0


    8180813          E22/G02             F          275,000.00         ZZ
                                         180        274,013.44          1
                                       5.500          2,246.98         68
                                       5.250          2,246.98
    MISSION VIEJO    CA   92691          5            10/31/02         00
    0415343557                           05           12/01/02          0
    0415343557                           O            11/01/17
    0


    8180855          E22/G02             F          369,750.00         ZZ
                                         180        369,750.00          1
                                       6.000          3,120.16         85
                                       5.750          3,120.16
    CARMICHAEL       CA   95608          1            11/01/02         01
    0415424696                           05           01/01/03         20
    0415424696                           O            12/01/17
    0


    8180927          U05/G02             F           83,000.00         ZZ
                                         180         82,705.36          1
                                       5.625            683.70         31
                                       5.375            683.70
    HEMPSTEAD        TX   77445          5            10/23/02         00
    0435000617                           05           12/01/02          0
    3269129                              O            11/01/17
    0


    8180941          W82/G02             F           82,800.00         ZZ
                                         180         82,536.49          1
                                       6.900            739.61         56
                                       6.650            739.61
    CLEARWATER       FL   33765          5            10/26/02         00
    0434879896                           05           12/01/02          0
    910002838                            O            11/01/17
    0


    8180967          W82/G02             F           72,000.00         ZZ
                                         180         71,760.24          1
1


                                       6.375            622.26         80
                                       6.125            622.26
    DYERSBURG        TN   38024          5            10/24/02         00
    0434879334                           05           12/01/02          0
    910002777                            O            11/01/17
    0


    8181613          G34/G02             F          265,500.00         ZZ
                                         180        264,577.29          1
                                       5.875          2,222.55         90
                                       5.625          2,222.55
    LAS VEGAS        NV   89129          5            10/25/02         10
    0434925095                           05           12/01/02         25
    39042395                             O            11/01/17
    0


    8181673          F61/G02             F          146,750.00         ZZ
                                         180        146,245.39          1
                                       6.000          1,238.36         80
                                       5.750          1,238.36
    SEATTLE          WA   98102          1            10/22/02         00
    0434951307                           01           12/01/02          0
    022004B                              O            11/01/17
    0


    8181907          975/G02             F          124,500.00         ZZ
                                         180        124,067.32          1
                                       5.875          1,042.21         51
                                       5.625          1,042.21
    MONTEBELLO       CA   90640          2            10/23/02         00
    0434897724                           05           12/01/02          0
    2024145                              O            11/01/17
    0


    8182003          964/G02             F          506,000.00         ZZ
                                         180        504,222.70          1
                                       5.750          4,201.88         75
                                       5.500          4,201.88
    PARKLAND         FL   33067          2            11/04/02         00
    0434996732                           03           12/01/02          0
    297581                               O            11/01/17
    0


    8182733          X27/G02             F          193,370.00         ZZ
                                         180        192,697.97          1
                                       5.875          1,618.74         61
                                       5.625          1,618.74
    LOS ANGELES      CA   91411          5            10/09/02         00
    0434997797                           05           12/01/02          0
1


    10000391                             O            11/01/17
    0


    8182847          Q59/G02             F          320,000.00         ZZ
                                         180        320,000.00          1
                                       5.875          2,678.78         79
                                       5.625          2,678.78
    FULLERTON        CA   92833          2            10/29/02         00
    0434900460                           05           01/01/03          0
    0000403373                           O            12/01/17
    0


    8182937          964/G02             F          268,000.00         ZZ
                                         180        267,038.54          1
                                       5.500          2,189.79         40
                                       5.250          2,189.79
    UNION CITY       CA   94587          2            10/01/02         00
    0434856316                           05           12/01/02          0
    266587                               O            11/01/17
    0


    8182941          964/G02             F          268,000.00         ZZ
                                         180        267,068.60          1
                                       5.875          2,243.48         60
                                       5.625          2,243.48
    FREMONT          CA   94538          2            10/03/02         00
    0434847356                           05           12/01/02          0
    271382                               O            11/01/17
    0


    8182947          964/G02             F           65,500.00         ZZ
                                         180         65,265.02          1
                                       5.500            535.19         28
                                       5.250            535.19
    SCOTTS MILLS     OR   97375          2            10/11/02         00
    0434860169                           05           12/01/02          0
    262283                               O            11/01/17
    0


    8182953          964/G02             F           80,000.00         ZZ
                                         180         79,706.90          1
                                       5.250            643.10         27
                                       5.000            643.10
    NORTH HOLLYWOOD  CA   91605          2            10/21/02         00
    0434854774                           05           12/01/02          0
    268997                               O            11/01/17
    0


1


    8182955          964/G02             F          153,450.00         ZZ
                                         180        152,922.35          1
                                       6.000          1,294.90         75
                                       5.750          1,294.90
    SEATTLE          WA   98108          2            10/15/02         00
    0434859021                           09           12/01/02          0
    279535                               O            11/01/17
    0


    8182973          964/G02             F          236,500.00         ZZ
                                         180        235,669.31          1
                                       5.750          1,963.92         70
                                       5.500          1,963.92
    RENTON           WA   98059          2            10/21/02         00
    0434854667                           03           12/01/02          0
    267108                               O            11/01/17
    0


    8182977          964/G02             F          100,000.00         ZZ
                                         180         99,656.14          1
                                       6.000            843.86         45
                                       5.750            843.86
    SANTA MARIA      CA   93458          5            10/08/02         00
    0434855110                           05           12/01/02          0
    257051                               O            11/01/17
    0


    8182991          964/G02             F          256,000.00         ZZ
                                         180        255,071.88          1
                                       5.375          2,074.79         55
                                       5.125          2,074.79
    CERRITOS         CA   90703          2            10/17/02         00
    0434853222                           05           12/01/02          0
    265241                               O            11/01/17
    0


    8183035          964/G02             F          205,000.00         ZZ
                                         180        204,264.56          1
                                       5.500          1,675.02         60
                                       5.250          1,675.02
    SAN LEANDRO      CA   94577          5            10/11/02         00
    0434846663                           05           12/01/02          0
    273894                               O            11/01/17
    0


    8183043          964/G02             F          178,000.00         ZZ
                                         180        177,374.79          1
                                       5.750          1,478.13         30
                                       5.500          1,478.13
1


    SAN JOSE         CA   95148          2            10/11/02         00
    0434844775                           05           12/01/02          0
    271508                               O            11/01/17
    0


    8183049          964/G02             F          254,300.00         ZZ
                                         180        253,387.69          1
                                       5.500          2,077.85         54
                                       5.250          2,077.85
    LOVELAND         CO   80538          2            10/23/02         00
    0434857124                           05           12/01/02          0
    275820                               O            11/01/17
    0


    8183067          964/G02             F          290,000.00         ZZ
                                         180        288,948.61          1
                                       5.375          2,350.35         36
                                       5.125          2,350.35
    MILLBRAE         CA   94030          2            10/10/02         00
    0434843439                           05           12/01/02          0
    271999                               O            11/01/17
    0


    8183075          964/G02             F          250,000.00         ZZ
                                         180        249,103.12          1
                                       5.500          2,042.71         32
                                       5.250          2,042.71
    LAGUNA NIGUEL    CA   92677          1            10/18/02         00
    0434857405                           03           12/01/02          0
    278710                               O            11/01/17
    0


    8183105          964/G02             F          185,000.00         ZZ
                                         180        184,336.31          1
                                       5.500          1,511.61         39
                                       5.250          1,511.61
    SAN FRANCISCO    CA   94116          2            10/11/02         00
    0434847125                           05           12/01/02          0
    273871                               O            11/01/17
    0


    8183109          964/G02             F          220,000.00         ZZ
                                         180        219,210.74          1
                                       5.500          1,797.59         46
                                       5.250          1,797.59
    SAN FRANCISCO    CA   94112          2            10/11/02         00
    0434847349                           05           12/01/02          0
    271040                               O            11/01/17
    0
1




    8183111          964/G02             F          144,000.00         ZZ
                                         180        143,483.40          1
                                       5.500          1,176.60         74
                                       5.250          1,176.60
    SACRAMENTO       CA   95842          2            10/19/02         00
    0434843314                           05           12/01/02          0
    277802                               O            11/01/17
    0


    8183113          964/G02             F           95,000.00         ZZ
                                         180         94,669.84          2
                                       5.875            795.26         18
                                       5.625            795.26
    SAN FRANCISCO    CA   94131          2            10/07/02         00
    0434854501                           05           12/01/02          0
    275393                               O            11/01/17
    0


    8183125          964/G02             F          177,000.00         ZZ
                                         180        176,365.01          1
                                       5.500          1,446.24         41
                                       5.250          1,446.24
    SAN FRANCISCO    CA   94112          2            10/03/02         00
    0434856043                           05           12/01/02          0
    260262                               O            11/01/17
    0


    8183127          964/G02             F          150,000.00         ZZ
                                         180        149,467.53          1
                                       5.625          1,235.60         69
                                       5.375          1,235.60
    OLYMPIA          WA   98501          5            10/16/02         00
    0434853073                           05           12/01/02          0
    261537                               O            11/01/17
    0


    8183129          964/G02             F          260,000.00         ZZ
                                         180        259,077.05          1
                                       5.625          2,141.70         53
                                       5.375          2,141.70
    SAN FRANCISCO    CA   94112          2            10/08/02         00
    0434858783                           05           12/01/02          0
    261731                               O            11/01/17
    0


    8183131          964/G02             F          120,000.00         ZZ
                                         180        119,574.02          1
1


                                       5.625            988.48         80
                                       5.375            988.48
    PORTLAND         OR   97233          2            10/10/02         00
    0434849030                           05           12/01/02          0
    251962                               O            11/01/17
    0


    8183143          964/G02             F          255,000.00         ZZ
                                         180        254,085.18          1
                                       5.500          2,083.57         32
                                       5.250          2,083.57
    WALNUT CREEK     CA   94596          2            10/22/02         00
    0434858270                           05           12/01/02          0
    271128                               O            11/01/17
    0


    8183151          964/G02             F          150,000.00         ZZ
                                         180        149,489.69          1
                                       6.125          1,275.94         32
                                       5.875          1,275.94
    SAN LEANDRO      CA   94577          5            10/02/02         00
    0434854527                           05           12/01/02          0
    246230                               O            11/01/17
    0


    8183165          964/G02             F          256,000.00         ZZ
                                         180        255,110.30          2
                                       5.875          2,143.03         56
                                       5.625          2,143.03
    PASADENA         CA   91107          5            10/07/02         00
    0434853180                           05           12/01/02          0
    270190                               O            11/01/17
    0


    8183177          964/G02             F          300,000.00         ZZ
                                         180        298,935.05          1
                                       5.625          2,471.20         50
                                       5.375          2,471.20
    EL CERRITO       CA   94530          5            10/08/02         00
    0434859799                           05           12/01/02          0
    263500                               O            11/01/17
    0


    8183179          964/G02             F          205,500.00         ZZ
                                         180        204,754.96          1
                                       5.375          1,665.51         60
                                       5.125          1,665.51
    DIAMOND BAR      CA   91789          2            10/18/02         00
    0434845848                           05           12/01/02          0
1


    262065                               O            11/01/17
    0


    8183181          964/G02             F          246,000.00         ZZ
                                         180        245,098.71          1
                                       5.250          1,977.54         68
                                       5.000          1,977.54
    DIVIDE           CO   80814          2            10/21/02         00
    0434856522                           05           12/01/02          0
    280275                               O            11/01/17
    0


    8183183          964/G02             F          475,000.00         ZZ
                                         180        473,349.20          1
                                       5.875          3,976.32         55
                                       5.625          3,976.32
    RENO             NV   89509          2            10/21/02         00
    0434848859                           03           12/01/02          0
    262557                               O            11/01/17
    0


    8183185          964/G02             F          172,000.00         ZZ
                                         180        171,402.23          1
                                       5.875          1,439.85         67
                                       5.625          1,439.85
    WEST COVINA      CA   91790          2            10/01/02         00
    0434846390                           03           12/01/02          0
    234776                               O            11/01/17
    0


    8183187          964/G02             F          273,000.00         ZZ
                                         180        272,071.23          1
                                       6.125          2,322.21         65
                                       5.875          2,322.21
    SANTA MARIA      CA   93455          5            10/17/02         00
    0434853495                           05           12/01/02          0
    268786                               O            11/01/17
    0


    8183201          964/G02             F          195,000.00         ZZ
                                         180        194,285.57          1
                                       5.250          1,567.56         56
                                       5.000          1,567.56
    MISSION VIEJO    CA   92692          2            10/11/02         00
    0434844056                           01           12/01/02          0
    274103                               O            11/01/17
    0


1


    8183215          964/G02             F           93,000.00         ZZ
                                         180         92,669.87          1
                                       5.625            766.07         47
                                       5.375            766.07
    SACRAMENTO       CA   95827          5            10/11/02         00
    0434858627                           05           12/01/02          0
    264554                               O            11/01/17
    0


    8183247          964/G02             F          222,000.00         ZZ
                                         180        221,203.57          1
                                       5.500          1,813.93         26
                                       5.250          1,813.93
    ALAMO            CA   94507          2            10/09/02         00
    0434858049                           05           12/01/02          0
    260810                               O            11/01/17
    0


    8183249          964/G02             F          360,000.00         ZZ
                                         180        358,735.52          1
                                       5.750          2,989.48         80
                                       5.500          2,989.48
    SALEM            OR   97302          5            10/12/02         00
    0434850731                           05           12/01/02          0
    278060                               O            11/01/17
    0


    8183253          964/G02             F          135,000.00         ZZ
                                         180        134,530.83          1
                                       5.875          1,130.11         52
                                       5.625          1,130.11
    DURANGO          CO   81303          5            10/15/02         00
    0434850103                           05           12/01/02          0
    276146                               O            11/01/17
    0


    8183261          964/G02             F          225,800.00         ZZ
                                         180        224,981.37          1
                                       5.375          1,830.03         26
                                       5.125          1,830.03
    COTATI           CA   94931          5            10/15/02         00
    0434845780                           05           12/01/02          0
    270410                               O            11/01/17
    0


    8183269          964/G02             F          325,000.00         ZZ
                                         180        323,882.47          1
                                       6.000          2,742.53         90
                                       5.750          2,742.53
1


    ALBUQUERQUE      NM   87111          5            10/16/02         02
    0434859369                           05           12/01/02         25
    270961                               O            11/01/17
    0


    8183271          964/G02             F          175,000.00         ZZ
                                         180        174,365.53          1
                                       5.375          1,418.32         70
                                       5.125          1,418.32
    PORTLAND         OR   97212          5            10/11/02         00
    0434858932                           05           12/01/02          0
    267130                               O            11/01/17
    0


    8183273          964/G02             F          199,000.00         ZZ
                                         180        198,270.91          1
                                       5.250          1,599.72         70
                                       5.000          1,599.72
    BEAVERTON        OR   97006          5            10/17/02         00
    0434855839                           05           12/01/02          0
    276714                               O            11/01/17
    0


    8183285          Q49/G02             F           81,000.00         ZZ
                                         180         81,000.00          1
                                       6.250            694.51         37
                                       6.000            694.51
    BRONX            NY   10466          5            11/01/02         00
    0434891651                           05           01/01/03          0
    41908202                             O            12/01/17
    0


    8183421          E47/G02             F          128,000.00         ZZ
                                         120        127,202.92          1
                                       5.625          1,397.08         66
                                       5.375          1,397.08
    MATTHEWS         NC   28105          2            10/21/02         00
    0434905139                           05           12/01/02          0
    7350510410                           O            11/01/12
    0


    8183997          H58/G02             F          441,000.00         ZZ
                                         180        439,578.18          1
                                       6.750          3,902.45         68
                                       6.500          3,902.45
    STUDIO CITY      CA   91604          5            10/18/02         00
    0434861522                           05           12/01/02          0
    0000115296                           O            11/01/17
    0
1




    8184767          E22/G02             F          104,000.00         ZZ
                                         180        104,000.00          1
                                       6.000            877.61         78
                                       5.750            877.61
    PHOENIX          AZ   85016          2            11/01/02         00
    0415266592                           01           01/01/03          0
    0415266592                           N            12/01/17
    0


    8184773          E22/G02             F           34,400.00         ZZ
                                         180         34,400.00          1
                                       6.375            297.30         80
                                       6.125            297.30
    HOUSTON          TX   77086          1            11/07/02         00
    0415269877                           09           01/01/03          0
    0415269877                           N            12/01/17
    0


    8184890          624/G02             F           50,050.00         ZZ
                                         180         48,750.89          2
                                       7.125            453.37         41
                                       6.875            453.37
    TULARE           CA   93274          5            03/12/02         00
    0433795739                           05           05/01/02          0
    3650032158                           N            04/01/17
    0


    8184905          X67/G02             F          171,800.00         ZZ
                                         180        171,234.02          2
                                       6.500          1,496.56         77
                                       6.250          1,496.56
    MELROSE PARK     IL   60160          2            10/25/02         00
    0434911871                           05           12/01/02          0
    00270338                             O            11/01/17
    0


    8185055          M27/G02             F          155,000.00         ZZ
                                         180        154,455.57          1
                                       5.750          1,287.14         66
                                       5.500          1,287.14
    DURHAM           NC   27707          5            10/28/02         00
    0434925145                           05           12/01/02          0
    0600835492                           O            11/01/17
    0


    8185747          P09/G02             F          298,000.00         ZZ
                                         180        296,953.30          1
1


                                       5.750          2,474.62         76
                                       5.500          2,474.62
    SEVERNA PARK     MD   21146          5            11/04/02         00
    0434942181                           05           12/01/02          0
    0210005                              O            11/01/17
    0


    8185811          P09/G02             F          138,750.00         ZZ
                                         180        138,262.65          1
                                       5.750          1,152.19         75
                                       5.500          1,152.19
    SMITHSBURG       MD   21783          5            10/29/02         00
    0434922811                           05           12/01/02          0
    CARSON                               O            11/01/17
    0


    8185937          286/286             F          250,000.00         ZZ
                                         180        248,258.06          1
                                       5.875          2,092.80         77
                                       5.625          2,092.80
    COMMACK          NY   11725          5            09/20/02         00
    1552167                              05           11/01/02          0
    1552167                              N            10/01/17
    0


    8185941          286/286             F          160,000.00         ZZ
                                         180        158,931.55          1
                                       6.375          1,382.81         48
                                       6.125          1,382.81
    GREENBURGH       NY   10603          5            09/13/02         00
    1523535                              05           11/01/02          0
    1523535                              O            10/01/17
    0


    8185943          286/286             F           51,750.00         ZZ
                                         180         51,262.61          1
                                       7.125            468.77         75
                                       6.875            468.77
    WICHITA          KS   67218          5            08/26/02         00
    1502307                              05           10/01/02          0
    1502307                              N            09/01/17
    0


    8185945          286/286             F           50,250.00         ZZ
                                         180         49,776.71          1
                                       7.125            455.19         75
                                       6.875            455.19
    WICHITA          KS   67219          5            08/27/02         00
    1502310                              05           10/01/02          0
1


    1502310                              N            09/01/17
    0


    8185949          286/286             F           48,750.00         ZZ
                                         180         48,290.84          1
                                       7.125            441.60         75
                                       6.875            441.60
    WICHITA          KS   67213          5            08/27/02         00
    1502381                              05           10/01/02          0
    1502381                              N            09/01/17
    0


    8185951          286/286             F          168,000.00         ZZ
                                         180        165,849.70          1
                                       5.875          1,406.36         80
                                       5.625          1,406.36
    HOUSTON          TX   77082          1            08/27/02         00
    1515596                              03           10/01/02          0
    1515596                              O            09/01/17
    0


    8185955          286/286             F          131,250.00         ZZ
                                         180        130,354.66          1
                                       6.125          1,116.45         75
                                       5.875          1,116.45
    MURRAY           UT   84107          2            09/12/02         00
    1489175                              05           11/01/02          0
    1489175                              N            10/01/17
    0


    8185967          286/286             F           67,500.00         ZZ
                                         180         67,058.80          4
                                       6.625            592.65         90
                                       6.375            592.65
    IDAHO FALLS      ID   83402          1            09/19/02         11
    1561444                              05           11/01/02         25
    1561444                              N            10/01/17
    0


    8185971          286/286             F          125,000.00         ZZ
                                         180        123,704.05          1
                                       6.000          1,054.83         57
                                       5.750          1,054.83
    WESTLAKE         OH   44145          5            08/29/02         00
    1472908                              05           10/01/02          0
    1472908                              O            09/01/17
    0


1


    8185975          286/286             F          100,000.00         ZZ
                                         180         99,088.00          1
                                       6.125            850.63         41
                                       5.875            850.63
    SACRAMENTO       CA   95826          5            08/03/02         00
    1539774                              05           11/01/02          0
    1539774                              N            10/01/17
    0


    8185977          286/286             F           87,500.00         ZZ
                                         180         86,915.70          2
                                       6.375            756.22         77
                                       6.125            756.22
    PHOENIX          AZ   85029          1            09/18/02         00
    1569402                              05           11/01/02          0
    1569402                              N            10/01/17
    0


    8185979          286/286             F          980,000.00         ZZ
                                         180        969,839.97          1
                                       6.000          8,269.80         49
                                       5.750          8,269.80
    PALOS VERDES ES  CA   90274          2            08/27/02         00
    1444339                              05           10/01/02          0
    1444339                              O            09/01/17
    0


    8185981          286/286             F          456,000.00         ZZ
                                         180        451,468.79          1
                                       6.500          3,972.25         80
                                       6.250          3,972.25
    SCOTTSDALE       AZ   85262          5            08/28/02         00
    1502514                              03           10/01/02          0
    1502514                              O            09/01/17
    0


    8185983          286/286             F          129,000.00         ZZ
                                         180        127,648.42          1
                                       5.875          1,079.89         65
                                       5.625          1,079.89
    BLOOMINGTON      CA   92316          2            08/24/02         00
    1455724                              03           10/01/02          0
    1455724                              N            09/01/17
    0


    8185985          286/286             F          120,000.00         ZZ
                                         180        119,105.98          1
                                       6.500          1,045.33         67
                                       6.250          1,045.33
1


    TUCSON           AZ   85749          2            09/06/02         00
    1531084                              05           11/01/02          0
    1531084                              O            10/01/17
    0


    8185987          286/286             F          316,500.00         ZZ
                                         180        313,287.39          1
                                       6.250          2,713.75         75
                                       6.000          2,713.75
    TOPANGA          CA   90290          1            08/27/02         00
    1488075                              05           10/01/02          0
    1488075                              N            09/01/17
    0


    8185989          286/286             F          188,000.00         ZZ
                                         180        186,744.59          1
                                       6.375          1,624.79         79
                                       6.125          1,624.79
    HAYMARKET        VA   20169          1            09/27/02         00
    1542263                              09           11/01/02          0
    1542263                              N            10/01/17
    0


    8185991          286/286             F          313,000.00         ZZ
                                         180        309,754.99          1
                                       6.000          2,641.28         46
                                       5.750          2,641.28
    BETHESDA         MD   20816          2            08/26/02         00
    1466375                              05           10/01/02          0
    1466375                              N            09/01/17
    0


    8185993          286/286             F          100,000.00         T
                                         180         99,016.83          1
                                       6.625            878.00         59
                                       6.375            878.00
    FT MYERS         FL   33908          2            08/26/02         00
    1403895                              01           10/01/02          0
    1403895                              O            09/01/17
    0


    8185995          286/286             F           91,150.00         ZZ
                                         180         90,534.80          1
                                       6.250            781.54         54
                                       6.000            781.54
    GILBERT          AZ   85234          2            09/12/02         00
    1554283                              03           11/01/02          0
    1554283                              N            10/01/17
    0
1




    8185997          286/286             F          116,400.00         ZZ
                                         180        115,205.91          1
                                       6.125            990.13         33
                                       5.875            990.13
    BETHESDA         MD   20814          2            08/28/02         00
    1498510                              01           10/01/02          0
    1498510                              N            09/01/17
    0


    8185999          286/286             F           52,500.00         ZZ
                                         180         52,153.14          1
                                       6.500            457.34         74
                                       6.250            457.34
    AKRON            OH   44301          5            09/03/02         00
    1487655                              05           11/01/02          0
    1487655                              N            10/01/17
    0


    8186001          286/286             F           70,200.00         ZZ
                                         180         69,726.17          1
                                       6.250            601.92         90
                                       6.000            601.92
    BALTIMORE        MD   21211          1            09/13/02         14
    1449635                              05           11/01/02         25
    1449635                              N            10/01/17
    0


    8186003          286/286             F          136,000.00         ZZ
                                         180        135,042.33          1
                                       5.750          1,129.36         80
                                       5.500          1,129.36
    SPRINGVILLE      UT   84663          1            09/10/02         00
    1538066                              05           11/01/02          0
    1538066                              O            10/01/17
    0


    8186007          286/286             F          139,000.00         ZZ
                                         180        137,302.71          1
                                       6.000          1,172.97         43
                                       5.750          1,172.97
    BELLEVUE         OH   44811          2            08/23/02         00
    1437902                              05           10/01/02          0
    1437902                              O            09/01/17
    0


    8186011          286/286             F          266,000.00         ZZ
                                         180        264,146.58          1
1


                                       5.875          2,226.74         35
                                       5.625          2,226.74
    MONTGOMERY       NJ   08502          2            09/19/02         00
    1375985                              05           11/01/02          0
    1375985                              O            10/01/17
    0


    8186017          286/286             F           35,500.00         ZZ
                                         180         35,257.67          1
                                       6.125            301.98         61
                                       5.875            301.98
    CLEVELAND        OH   44109          2            09/20/02         00
    1498154                              05           11/01/02          0
    1498154                              N            10/01/17
    0


    8186021          286/286             F           99,750.00         ZZ
                                         180         99,104.97          1
                                       6.750            882.70         75
                                       6.500            882.70
    MORENO VALLEY    CA   92553          5            09/06/02         00
    1110357                              05           11/01/02          0
    1110357                              N            10/01/17
    0


    8186027          286/286             F           97,500.00         ZZ
                                         180         96,869.53          1
                                       6.750            862.79         75
                                       6.500            862.79
    MORENO VALLEY    CA   92553          5            09/06/02         00
    1110437                              05           11/01/02          0
    1110437                              N            10/01/17
    0


    8186029          286/286             F           96,000.00         ZZ
                                         180         95,379.22          1
                                       6.750            849.52         75
                                       6.500            849.52
    MORENO VALLEY    CA   92553          5            09/06/02         00
    1110458                              05           11/01/02          0
    1110458                              N            10/01/17
    0


    8186033          286/286             F           97,500.00         ZZ
                                         180         96,869.53          1
                                       6.750            862.79         75
                                       6.500            862.79
    MORENO VALLEY    CA   92553          5            09/06/02         00
    1110566                              05           11/01/02          0
1


    1110566                              N            10/01/17
    0


    8186037          286/286             F          172,300.00         ZZ
                                         180        171,173.80          1
                                       6.625          1,512.79         36
                                       6.375          1,512.79
    HALF MOON BAY    CA   94019          2            09/04/02         00
    1415087                              05           11/01/02          0
    1415087                              O            10/01/17
    0


    8186043          286/286             F           79,000.00         ZZ
                                         180         78,219.36          1
                                       6.625            693.62         30
                                       6.375            693.62
    BLACHLY          OR   97412          2            08/28/02         00
    1466178                              05           10/01/02          0
    1466178                              N            09/01/17
    0


    8186045          286/286             F          147,500.00         ZZ
                                         180        144,482.26          1
                                       6.625          1,295.05         79
                                       6.375          1,295.05
    DEERFIELD        OH   44411          5            08/23/02         00
    1479590                              05           10/01/02          0
    1479590                              O            09/01/17
    0


    8186051          286/286             F          258,000.00         ZZ
                                         180        256,202.32          4
                                       5.875          2,159.77         65
                                       5.625          2,159.77
    BROOKFIELD       IL   60513          2            09/18/02         00
    1517042                              05           11/01/02          0
    1517042                              O            10/01/17
    0


    8186057          286/286             F          150,000.00         ZZ
                                         180        148,094.47          1
                                       5.875          1,255.68         56
                                       5.625          1,255.68
    ARLINGTON HEIGH  IL   60004          5            09/09/02         00
    1459242                              05           11/01/02          0
    1459242                              O            10/01/17
    0


1


    8186063          286/286             F          108,800.00         ZZ
                                         180        108,073.46          1
                                       6.375            940.31         80
                                       6.125            940.31
    RENO             NV   89502          5            09/06/02         00
    1509886                              05           11/01/02          0
    1509886                              N            10/01/17
    0


    8186069          286/286             F           29,400.00         ZZ
                                         180         29,205.76          3
                                       6.500            256.11         70
                                       6.250            256.11
    ELKHART          IN   46516          1            09/06/02         00
    1519040                              05           11/01/02          0
    1519040                              N            10/01/17
    0


    8186075          286/286             F           60,650.00         ZZ
                                         180         60,240.65          1
                                       6.250            520.03         70
                                       6.000            520.03
    SAN ANTONIO      TX   78232          2            09/13/02         00
    1479629                              03           11/01/02          0
    1479629                              N            10/01/17
    0


    8186081          286/286             F          341,250.00         ZZ
                                         180        337,930.71          2
                                       6.750          3,019.76         65
                                       6.500          3,019.76
    CHICAGO          IL   60613          2            08/27/02         00
    1415878                              05           10/01/02          0
    1415878                              N            09/01/17
    0


    8186087          286/286             F          311,350.00         ZZ
                                         180        308,321.55          2
                                       6.750          2,755.17         60
                                       6.500          2,755.17
    CHICAGO          IL   60657          2            08/27/02         00
    1415879                              05           10/01/02          0
    1415879                              N            09/01/17
    0


    8186093          286/286             F          295,000.00         ZZ
                                         180        292,130.58          2
                                       6.750          2,610.49         57
                                       6.500          2,610.49
1


    CHICAGO          IL   60647          2            08/27/02         00
    1415880                              05           10/01/02          0
    1415880                              N            09/01/17
    0


    8186099          286/286             F           50,000.00         ZZ
                                         180         49,492.46          1
                                       6.250            428.72         33
                                       6.000            428.72
    CLAYTON          OH   45315          1            08/29/02         00
    1390118                              01           10/01/02          0
    1390118                              O            09/01/17
    0


    8186105          286/286             F          128,000.00         ZZ
                                         180        127,145.24          2
                                       6.375          1,106.25         73
                                       6.125          1,106.25
    SAINT PAUL       MN   55106          5            09/16/02         00
    1554131                              05           11/01/02          0
    1554131                              N            10/01/17
    0


    8186111          286/286             F           30,400.00         ZZ
                                         180         29,987.70          1
                                       6.125            258.59         80
                                       5.875            258.59
    SAN ANTONIO      TX   78209          1            08/30/02         00
    1537723                              01           10/01/02          0
    1537723                              N            09/01/17
    0


    8186117          286/286             F          123,000.00         ZZ
                                         180        122,221.62          4
                                       7.000          1,105.56         80
                                       6.750          1,105.56
    MILWAUKEE        WI   53210          5            09/18/02         00
    1539161                              05           11/01/02          0
    1539161                              N            10/01/17
    0


    8186123          286/286             F          138,600.00         ZZ
                                         180        137,664.54          4
                                       6.250          1,188.39         90
                                       6.000          1,188.39
    KETTERING        OH   45419          1            09/20/02         12
    1542030                              05           11/01/02         20
    1542030                              N            10/01/17
    0
1




    8186129          286/286             F          630,000.00         ZZ
                                         180        623,672.80          1
                                       6.375          5,444.78         74
                                       6.125          5,444.78
    FULLERTON        CA   92833          5            08/09/02         00
    1443618                              05           10/01/02          0
    1443618                              O            09/01/17
    0


    8186135          286/286             F          274,450.00         ZZ
                                         180        270,765.07          1
                                       6.375          2,371.94         39
                                       6.125          2,371.94
    DURANGO          CO   81301          2            07/22/02         00
    1354782                              03           09/01/02          0
    1354782                              O            08/01/17
    0


    8186141          286/286             F           50,000.00         ZZ
                                         180         49,487.06          1
                                       6.125            425.32         76
                                       5.875            425.32
    TOLEDO           OH   43606          1            08/29/02         00
    1477258                              05           10/01/02          0
    1477258                              N            09/01/17
    0


    8186147          286/286             F          144,000.00         ZZ
                                         180        142,569.08          1
                                       6.500          1,254.40         79
                                       6.250          1,254.40
    MIAMI            FL   33015          5            08/23/02         00
    1454084                              05           10/01/02          0
    1454084                              O            09/01/17
    0


    8186153          286/286             F          121,120.00         ZZ
                                         180        120,311.18          1
                                       6.375          1,046.79         80
                                       6.125          1,046.79
    ADDISON          IL   60101          5            09/18/02         00
    1485795                              05           11/01/02          0
    1485795                              O            10/01/17
    0


    8186159          286/286             F          239,900.00         ZZ
                                         180        238,298.01          2
1


                                       6.375          2,073.34         65
                                       6.125          2,073.34
    RIDGEFIELD       NJ   07657          5            08/30/02         00
    1431258                              05           11/01/02          0
    1431258                              N            10/01/17
    0


    8186167          286/286             F           97,600.00         ZZ
                                         180         96,596.41          1
                                       6.125            830.21         80
                                       5.875            830.21
    BROOKFIELD       OH   44403          5            08/22/02         00
    1467064                              05           10/01/02          0
    1467064                              O            09/01/17
    0


    8186175          286/286             F           51,000.00         ZZ
                                         180         50,293.50          1
                                       6.000            430.37         37
                                       5.750            430.37
    PHOENIX          AZ   85008          5            08/23/02         00
    1509388                              05           10/01/02          0
    1509388                              O            09/01/17
    0


    8186181          286/286             F           40,000.00         ZZ
                                         180         39,727.14          1
                                       6.125            340.25         76
                                       5.875            340.25
    RENO             NV   89512          2            09/09/02         00
    1256364                              01           11/01/02          0
    1256364                              N            10/01/17
    0


    8186197          286/286             F          154,000.00         ZZ
                                         180        152,436.81          1
                                       6.250          1,320.44         70
                                       6.000          1,320.44
    CARLSBAD         CA   92009          5            08/28/02         00
    1432594                              01           10/01/02          0
    1432594                              N            09/01/17
    0


    8186205          286/286             F          109,800.00         ZZ
                                         180        108,673.61          1
                                       6.125            933.99         90
                                       5.875            933.99
    RIVERSIDE        OH   45431          2            08/30/02         10
    1503682                              05           10/01/02         25
1


    1503682                              N            09/01/17
    0


    8186213          286/286             F          131,300.00         ZZ
                                         180        130,404.34          1
                                       6.125          1,116.87         80
                                       5.875          1,116.87
    FORT MYERS       FL   33912          1            09/16/02         00
    1490423                              03           11/01/02          0
    1490423                              N            10/01/17
    0


    8186221          286/286             F          184,000.00         ZZ
                                         180        182,717.93          1
                                       5.875          1,540.30         80
                                       5.625          1,540.30
    OKLAHOMA CITY    OK   73162          5            09/06/02         00
    1506356                              05           11/01/02          0
    1506356                              O            10/01/17
    0


    8186231          286/286             F           70,250.00         ZZ
                                         180         69,755.30          1
                                       5.750            583.37         57
                                       5.500            583.37
    GROVE CITY       OH   43123          5            09/04/02         00
    1528372                              05           11/01/02          0
    1528372                              O            10/01/17
    0


    8186239          286/286             F          109,600.00         ZZ
                                         180        108,463.73          1
                                       6.000            924.87         80
                                       5.750            924.87
    KENNESAW         GA   30152          1            08/30/02         00
    1537942                              03           10/01/02          0
    1537942                              N            09/01/17
    0


    8186249          286/286             F          300,700.00         ZZ
                                         180        297,679.99          1
                                       6.375          2,598.81         50
                                       6.125          2,598.81
    POLAND           OH   44514          2            08/23/02         00
    105283                               05           10/01/02          0
    105283                               O            09/01/17
    0


1


    8186257          286/286             F           29,600.00         ZZ
                                         180         29,206.75          1
                                       6.500            257.85         80
                                       6.250            257.85
    BALTIMORE        MD   21225          1            07/30/02         00
    1380696                              05           09/01/02          0
    1380696                              N            08/01/17
    0


    8186263          286/286             F          169,600.00         ZZ
                                         180        168,479.51          3
                                       6.500          1,477.40         80
                                       6.250          1,477.40
    SAN PEDRO        CA   90731          1            09/04/02         00
    1505638                              05           11/01/02          0
    1505638                              N            10/01/17
    0


    8186269          286/286             F           12,800.00         ZZ
                                         180         12,616.95          1
                                       6.750            113.27         80
                                       6.500            113.27
    READING          PA   19604          1            09/12/02         00
    1542956                              05           11/01/02          0
    1542956                              N            10/01/17
    0


    8186275          286/286             F          116,800.00         ZZ
                                         180        115,313.02          2
                                       7.000          1,049.84         80
                                       6.750          1,049.84
    WILLOW GROVE     PA   19090          1            07/30/02         00
    1329846                              05           09/01/02          0
    1329846                              N            08/01/17
    0


    8186281          286/286             F          425,000.00         ZZ
                                         180        421,943.63          1
                                       5.500          3,472.61         50
                                       5.250          3,472.61
    SAN ANTONIO      TX   78212          1            09/24/02         00
    1599985                              05           11/01/02          0
    1599985                              O            10/01/17
    0


    8186285          286/286             F          146,250.00         ZZ
                                         180        145,273.38          1
                                       6.375          1,263.97         70
                                       6.125          1,263.97
1


    COLUMBUS         OH   43201          5            09/20/02         00
    1416558                              05           11/01/02          0
    1416558                              N            10/01/17
    0


    8186289          286/286             F          137,250.00         ZZ
                                         180        136,333.47          1
                                       6.375          1,186.19         66
                                       6.125          1,186.19
    COLUMBUS         OH   43201          5            09/20/02         00
    1589228                              05           11/01/02          0
    1589228                              N            10/01/17
    0


    8186293          286/286             F           86,900.00         ZZ
                                         180         86,267.32          1
                                       5.875            727.46         47
                                       5.625            727.46
    FAIRFAX          VA   22033          2            09/20/02         00
    1560905                              01           11/01/02          0
    1560905                              N            10/01/17
    0


    8186299          286/286             F           96,000.00         ZZ
                                         180         95,352.06          2
                                       6.250            823.13         62
                                       6.000            823.13
    LAKEWOOD         OH   44107          2            09/09/02         00
    1505485                              05           11/01/02          0
    1505485                              N            10/01/17
    0


    8186305          286/286             F          600,000.00         ZZ
                                         180        593,713.66          1
                                       5.875          5,022.72         47
                                       5.625          5,022.72
    FULLERTON        CA   92833          2            08/21/02         00
    1486486                              05           10/01/02          0
    1486486                              O            09/01/17
    0


    8186309          286/286             F          169,500.00         ZZ
                                         180        167,724.10          1
                                       5.875          1,418.92         75
                                       5.625          1,418.92
    MIAMI            FL   33186          5            09/04/02         00
    1493891                              05           10/01/02          0
    1493891                              N            09/01/17
    0
1




    8186315          286/286             F          321,500.00         T
                                         180        319,236.09          1
                                       5.750          2,669.77         65
                                       5.500          2,669.77
    LITTLE RIVER     SC   29566          2            09/06/02         00
    1559011                              03           11/01/02          0
    1559011                              O            10/01/17
    0


    8186321          286/286             F           57,250.00         ZZ
                                         180         56,656.47          1
                                       6.000            483.11         64
                                       5.750            483.11
    GOSHEN           OH   45122          2            08/29/02         00
    1489937                              05           10/01/02          0
    1489937                              N            09/01/17
    0


    8186325          286/286             F           78,000.00         ZZ
                                         180         77,467.92          1
                                       6.125            663.49         80
                                       5.875            663.49
    HOUSTON          TX   77036          1            09/25/02         00
    1600361                              01           11/01/02          0
    1600361                              N            10/01/17
    0


    8186329          286/286             F          176,000.00         ZZ
                                         180        174,773.68          1
                                       5.875          1,473.33         80
                                       5.625          1,473.33
    ALLEN            TX   75013          1            09/24/02         00
    1548532                              03           11/01/02          0
    1548532                              O            10/01/17
    0


    8186335          286/286             F           63,200.00         ZZ
                                         180         62,759.64          1
                                       5.875            529.06         80
                                       5.625            529.06
    PHOENIX          AZ   85032          1            09/30/02         00
    1608188                              05           11/01/02          0
    1608188                              N            10/01/17
    0


    8186339          286/286             F          136,000.00         ZZ
                                         180        135,052.37          1
1


                                       5.875          1,138.49         54
                                       5.625          1,138.49
    WALNUT           CA   91789          2            09/06/02         00
    1112525                              05           11/01/02          0
    1112525                              N            10/01/17
    0


    8186345          286/286             F          130,000.00         ZZ
                                         180        129,003.16          1
                                       5.750          1,079.54         50
                                       5.500          1,079.54
    LAS VEGAS        NV   89139          2            09/24/02         00
    1019195                              03           11/01/02          0
    1019195                              O            10/01/17
    0


    8186349          286/286             F          120,000.00         ZZ
                                         180        119,207.20          2
                                       6.500          1,045.33         90
                                       6.250          1,045.33
    NORTH AURORA     IL   60542          1            09/26/02         11
    1581593                              05           11/01/02         25
    1581593                              N            10/01/17
    0


    8186353          286/286             F           53,120.00         ZZ
                                         180         52,753.77          1
                                       6.000            448.26         80
                                       5.750            448.26
    WAYNESBORO       VA   22980          1            09/17/02         00
    1511029                              05           11/01/02          0
    1511029                              N            10/01/17
    0


    8186357          286/286             F          128,500.00         ZZ
                                         180        127,153.67          1
                                       5.875          1,075.70         69
                                       5.625          1,075.70
    PLANO            TX   75025          1            08/28/02         00
    1517781                              05           10/01/02          0
    1517781                              O            09/01/17
    0


    8186361          286/286             F           91,500.00         ZZ
                                         180         90,615.82          1
                                       7.000            822.43         75
                                       6.750            822.43
    STEPHENVILLE     TX   76401          2            08/27/02         00
    1400987                              05           10/01/02          0
1


    1400987                              N            09/01/17
    0


    8186365          286/286             F          180,000.00         ZZ
                                         180        178,848.53          1
                                       6.875          1,605.34         68
                                       6.625          1,605.34
    COVINA           CA   91723          5            09/04/02         00
    1112690                              05           11/01/02          0
    1112690                              N            10/01/17
    0


    8186369          286/286             F          288,000.00         ZZ
                                         180        285,965.57          2
                                       5.875          2,410.91         80
                                       5.625          2,410.91
    DORCHESTER       MA   02122          5            09/10/02         00
    1534268                              05           11/01/02          0
    1534268                              O            10/01/17
    0


    8186373          286/286             F           78,750.00         ZZ
                                         180         78,223.76          1
                                       6.625            691.43         75
                                       6.375            691.43
    IRVING           TX   75060          5            09/13/02         00
    1476041                              05           11/01/02          0
    1476041                              N            10/01/17
    0


    8186377          286/286             F           36,650.00         ZZ
                                         180         36,407.87          1
                                       6.500            319.26         80
                                       6.250            319.26
    MILLEDGEVILLE    GA   31061          1            09/11/02         00
    1518727                              05           11/01/02          0
    1518727                              N            10/01/17
    0


    8186383          286/286             F           68,200.00         ZZ
                                         180         67,492.92          1
                                       6.000            575.52         55
                                       5.750            575.52
    SALT LAKE CITY   UT   84118          2            08/28/02         00
    1498361                              05           10/01/02          0
    1498361                              N            09/01/17
    0


1


    8186387          286/286             F          200,000.00         ZZ
                                         180        198,650.13          1
                                       6.250          1,714.85         68
                                       6.000          1,714.85
    MILAN            OH   44846          5            09/05/02         00
    1444909                              05           11/01/02          0
    1444909                              O            10/01/17
    0


    8186391          286/286             F          358,750.00         ZZ
                                         180        356,250.29          1
                                       5.875          3,003.17         56
                                       5.625          3,003.17
    EVANSTON         IL   60202          2            09/20/02         00
    1463015                              05           11/01/02          0
    1463015                              O            10/01/17
    0


    8186395          286/286             F          588,750.00         ZZ
                                         180        584,860.32          2
                                       6.500          5,128.65         75
                                       6.250          5,128.65
    LOS ANGELES      CA   90024          2            08/29/02         00
    1491626                              05           11/01/02          0
    1491626                              O            10/01/17
    0


    8186399          286/286             F           61,300.00         ZZ
                                         180         60,895.01          1
                                       6.500            533.99         90
                                       6.250            533.99
    AUSTIN           TX   78724          1            09/17/02         11
    1535348                              05           11/01/02         20
    1535348                              N            10/01/17
    0


    8186403          286/286             F          248,100.00         ZZ
                                         180        246,478.35          1
                                       6.625          2,178.31         90
                                       6.375          2,178.31
    ROSEVILLE        CA   95678          1            09/06/02         12
    1492416                              03           11/01/02         25
    1492416                              O            10/01/17
    0


    8186411          286/286             F          300,700.00         ZZ
                                         180        298,604.80          1
                                       5.875          2,517.22         61
                                       5.625          2,517.22
1


    VALLEY CITY      OH   44280          2            09/06/02         00
    1444888                              05           11/01/02          0
    1444888                              O            10/01/17
    0


    8186417          286/286             F          238,500.00         ZZ
                                         180        236,855.70          1
                                       6.000          2,012.60         60
                                       5.750          2,012.60
    LA PALMA         CA   90623          2            09/11/02         00
    1531176                              05           11/01/02          0
    1531176                              O            10/01/17
    0


    8186421          286/286             F           45,000.00         ZZ
                                         180         44,696.26          1
                                       6.250            385.85         77
                                       6.000            385.85
    CARLISLE         PA   17013          2            09/13/02         00
    1501784                              05           11/01/02          0
    1501784                              N            10/01/17
    0


    8186423          286/286             F          300,000.00         ZZ
                                         180        295,921.68          4
                                       6.000          2,531.58         80
                                       5.750          2,531.58
    MINNEAPOLIS      MN   55411          1            09/30/02         00
    1592554                              05           11/01/02          0
    1592554                              O            10/01/17
    0


    8186429          286/286             F           51,000.00         ZZ
                                         180         50,652.10          1
                                       6.125            433.82         65
                                       5.875            433.82
    DECATUR          IL   62522          1            09/23/02         00
    1540702                              05           11/01/02          0
    1540702                              O            10/01/17
    0


    8186433          286/286             F          109,000.00         ZZ
                                         180        108,256.43          1
                                       6.125            927.19         49
                                       5.875            927.19
    CENTREVILLE      VA   22021          2            09/11/02         00
    1519253                              03           11/01/02          0
    1519253                              N            10/01/17
    0
1




    8186437          286/286             F          120,000.00         ZZ
                                         180        119,198.68          1
                                       6.375          1,037.10         80
                                       6.125          1,037.10
    MIAMI            FL   33196          5            09/18/02         00
    1554880                              03           11/01/02          0
    1554880                              O            10/01/17
    0


    8186441          286/286             F          186,000.00         ZZ
                                         180        184,071.65          1
                                       6.000          1,569.58         78
                                       5.750          1,569.58
    UNIVERSITY PLAC  WA   98467          2            08/20/02         00
    1490576                              03           10/01/02          0
    1490576                              O            09/01/17
    0


    8186445          286/286             F          103,200.00         ZZ
                                         180        102,532.67          1
                                       6.750            913.23         80
                                       6.500            913.23
    MERRITT ISLAND   FL   32953          5            09/03/02         00
    1483291                              05           11/01/02          0
    1483291                              O            10/01/17
    0


    8186449          286/286             F           40,000.00         T
                                         180         39,721.28          1
                                       5.875            334.85         63
                                       5.625            334.85
    CARRIZOZO        NM   88301          5            09/19/02         00
    1549990                              05           11/01/02          0
    1549990                              O            10/01/17
    0


    8186453          286/286             F           67,800.00         ZZ
                                         180         67,334.29          1
                                       6.125            576.73         41
                                       5.875            576.73
    SEATTLE          WA   98109          2            09/10/02         00
    1524312                              01           11/01/02          0
    1524312                              O            10/01/17
    0


    8186457          286/286             F           94,950.00         ZZ
                                         180         93,986.20          1
1


                                       6.250            814.13         49
                                       6.000            814.13
    WATERFORD        MI   48328          2            08/23/02         00
    1441244                              05           10/01/02          0
    1441244                              O            09/01/17
    0


    8186461          286/286             F          135,000.00         ZZ
                                         180        134,088.82          4
                                       6.250          1,157.53         90
                                       6.000          1,157.53
    PHILADELPHIA     PA   19104          1            09/06/02         10
    1481829                              05           11/01/02         20
    1481829                              N            10/01/17
    0


    8186465          286/286             F          100,800.00         ZZ
                                         180         99,787.63          3
                                       6.375            871.17         90
                                       6.125            871.17
    ALLENTOWN        PA   18102          1            08/30/02         10
    1477296                              05           10/01/02         20
    1477296                              N            09/01/17
    0


    8186469          286/286             F           53,600.00         ZZ
                                         180         53,260.79          1
                                       7.000            481.78         80
                                       6.750            481.78
    RICHMOND         VA   23237          1            09/11/02         00
    1392810                              05           11/01/02          0
    1392810                              N            10/01/17
    0


    8186475          286/286             F          133,560.00         ZZ
                                         180        132,160.65          1
                                       5.875          1,118.06         80
                                       5.625          1,118.06
    PUYALLUP         WA   98375          1            08/28/02         00
    1540082                              03           10/01/02          0
    1540082                              O            09/01/17
    0


    8186479          286/286             F          118,400.00         ZZ
                                         180        117,565.32          2
                                       6.625          1,039.55         80
                                       6.375          1,039.55
    CORTLAND         OH   44410          1            09/13/02         00
    1466538                              05           11/01/02          0
1


    1466538                              N            10/01/17
    0


    8186483          286/286             F          400,000.00         ZZ
                                         180        397,183.30          1
                                       5.750          3,321.65         45
                                       5.500          3,321.65
    SAN FRANCISCO    CA   94109          1            09/16/02         00
    1550136                              01           11/01/02          0
    1550136                              O            10/01/17
    0


    8186487          286/286             F          135,600.00         ZZ
                                         180        134,655.16          1
                                       5.875          1,135.14         80
                                       5.625          1,135.14
    WOODBRIDGE       VA   22193          1            09/27/02         00
    1626821                              05           11/01/02          0
    1626821                              N            10/01/17
    0


    8186491          286/286             F          425,000.00         ZZ
                                         180        420,776.82          3
                                       6.500          3,702.21         54
                                       6.250          3,702.21
    SOMERVILLE       MA   02145          2            08/23/02         00
    1471775                              05           10/01/02          0
    1471775                              O            09/01/17
    0


    8186495          286/286             F          250,000.00         ZZ
                                         180        245,338.62          1
                                       5.750          2,076.03         53
                                       5.500          2,076.03
    JAMISON          PA   18929          2            08/27/02         00
    1045249                              05           10/01/02          0
    1045249                              O            09/01/17
    0


    8186499          286/286             F           75,000.00         ZZ
                                         180         74,457.57          1
                                       6.500            653.34         65
                                       6.250            653.34
    KANSAS CITY      MO   64131          5            09/09/02         00
    1554994                              05           11/01/02          0
    1554994                              O            10/01/17
    0


1


    8186503          286/286             F           41,000.00         ZZ
                                         180         40,720.31          1
                                       6.125            348.76         49
                                       5.875            348.76
    DAYTON           OH   45415          5            09/04/02         00
    1498231                              05           11/01/02          0
    1498231                              O            10/01/17
    0


    8186507          286/286             F           52,890.00         ZZ
                                         180         52,521.46          1
                                       5.875            442.76         43
                                       5.625            442.76
    PORTLAND         OR   97216          2            09/16/02         00
    1508154                              05           11/01/02          0
    1508154                              N            10/01/17
    0


    8186511          286/286             F          100,000.00         ZZ
                                         180         99,339.33          1
                                       6.500            871.11         20
                                       6.250            871.11
    WYCKOFF          NJ   07481          5            09/04/02         00
    1465657                              05           11/01/02          0
    1465657                              O            10/01/17
    0


    8186515          286/286             F          100,700.00         ZZ
                                         180         99,990.89          1
                                       5.750            836.23         91
                                       5.500            836.23
    LAWRENCEVILLE    GA   30044          1            09/26/02         21
    1591445                              03           11/01/02         20
    1591445                              N            10/01/17
    0


    8186519          286/286             F           77,500.00         ZZ
                                         180         76,849.29          1
                                       5.875            648.77         78
                                       5.625            648.77
    ROANOKE          VA   24015          2            09/20/02         00
    1520228                              05           11/01/02          0
    1520228                              N            10/01/17
    0


    8186523          286/286             F           30,930.00         ZZ
                                         180         30,531.22          1
                                       5.875            258.92         37
                                       5.625            258.92
1


    CHARLOTTE        NC   28209          2            09/17/02         00
    1512657                              01           11/01/02          0
    1512657                              O            10/01/17
    0


    8186527          286/286             F           50,000.00         ZZ
                                         180         49,406.54          1
                                       6.625            439.00         56
                                       6.375            439.00
    TONGANOXIE       KS   66086          5            08/29/02         00
    1474471                              05           10/01/02          0
    1474471                              N            09/01/17
    0


    8186531          286/286             F          108,000.00         ZZ
                                         180        107,271.07          1
                                       6.250            926.02         75
                                       6.000            926.02
    ANGOLA           IN   46703          5            09/16/02         00
    1537434                              05           11/01/02          0
    1537434                              O            10/01/17
    0


    8186535          286/286             F          236,000.00         ZZ
                                         180        233,654.88          1
                                       6.500          2,055.82         75
                                       6.250          2,055.82
    CHICAGO          IL   60641          5            08/23/02         00
    1456063                              05           10/01/02          0
    1456063                              O            09/01/17
    0


    8186539          286/286             F          126,750.00         ZZ
                                         180        125,866.84          1
                                       5.875          1,061.05         65
                                       5.625          1,061.05
    KEY WEST         FL   33040          5            09/16/02         00
    1477743                              01           11/01/02          0
    1477743                              N            10/01/17
    0


    8186543          286/286             F          265,000.00         ZZ
                                         180        263,153.55          1
                                       5.875          2,218.37         80
                                       5.625          2,218.37
    TALLAHASSEE      FL   32311          5            09/24/02         00
    1581738                              03           11/01/02          0
    1581738                              O            10/01/17
    0
1




    8186547          286/286             F           52,250.00         ZZ
                                         180         51,915.74          1
                                       6.875            466.00         95
                                       6.625            466.00
    FT WORTH         TX   76107          1            09/06/02         04
    1530689                              01           11/01/02         25
    1530689                              O            10/01/17
    0


    8186551          286/286             F          104,100.00         ZZ
                                         180        103,412.26          1
                                       6.500            906.82         66
                                       6.250            906.82
    MILLEDGEVILLE    GA   31061          5            09/13/02         00
    1554622                              05           11/01/02          0
    1554622                              N            10/01/17
    0


    8186557          286/286             F           71,920.00         ZZ
                                         180         71,408.20          1
                                       5.625            592.43         80
                                       5.375            592.43
    OKLAHOMA CITY    OK   73109          1            10/02/02         00
    1600242                              05           11/01/02          0
    1600242                              O            10/01/17
    0


    8186565          286/286             F           39,550.00         ZZ
                                         180         39,182.53          1
                                       6.250            339.12         75
                                       6.000            339.12
    SALT LAKE CITY   UT   84124          1            09/23/02         00
    1621138                              01           11/01/02          0
    1621138                              N            10/01/17
    0


    8186567          286/286             F          144,000.00         ZZ
                                         180        143,078.81          4
                                       6.875          1,284.28         87
                                       6.625          1,284.28
    MOUNT HOLLY      NJ   08060          2            09/19/02         11
    1500301                              05           11/01/02         25
    1500301                              N            10/01/17
    0


    8186573          286/286             F           85,000.00         ZZ
                                         180         84,393.05          1
1


                                       6.125            723.04         35
                                       5.875            723.04
    BLOOMINGTON      IL   61704          5            09/18/02         00
    1497268                              05           11/01/02          0
    1497268                              O            10/01/17
    0


    8186577          286/286             F          114,500.00         ZZ
                                         180        110,942.69          3
                                       7.250          1,045.23         89
                                       7.000          1,045.23
    PHILADELPHIA     PA   19128          2            02/28/02         12
    987099                               05           04/01/02         12
    987099                               N            03/01/17
    0


    8186581          286/286             F           75,500.00         ZZ
                                         180         75,006.50          2
                                       6.625            662.89         56
                                       6.375            662.89
    CINCINNATI       OH   45238          5            09/12/02         00
    1498267                              05           11/01/02          0
    1498267                              N            10/01/17
    0


    8186587          286/286             F          102,000.00         ZZ
                                         180        101,289.27          1
                                       5.875            853.87         75
                                       5.625            853.87
    CLAYTON          NC   27520          1            09/19/02         00
    1564505                              03           11/01/02          0
    1564505                              N            10/01/17
    0


    8186591          286/286             F           94,000.00         ZZ
                                         180         93,345.02          1
                                       5.875            786.90         74
                                       5.625            786.90
    FUQUAY VARINA    NC   27576          1            09/19/02         00
    1564510                              03           11/01/02          0
    1564510                              N            10/01/17
    0


    8186595          286/286             F          480,000.00         ZZ
                                         180        476,584.17          1
                                       5.625          3,953.92         80
                                       5.375          3,953.92
    LODI             CA   95240          5            09/13/02         00
    1577065                              05           11/01/02          0
1


    1577065                              O            10/01/17
    0


    8186599          286/286             F          165,600.00         ZZ
                                         180        163,883.15          2
                                       6.000          1,397.43         78
                                       5.750          1,397.43
    VANCOUVER        WA   98683          2            08/23/02         00
    0001256390                           05           10/01/02          0
    0001256390                           N            09/01/17
    0


    8186603          286/286             F          126,000.00         ZZ
                                         180        125,003.42          1
                                       6.000          1,063.26         47
                                       5.750          1,063.26
    ROCKVILLE        MD   20850          2            09/06/02         00
    0001255234                           03           11/01/02          0
    0001255234                           O            10/01/17
    0


    8186607          286/286             F          105,750.00         ZZ
                                         180        105,005.34          1
                                       5.750            878.16         90
                                       5.500            878.16
    RICHMOND         VA   23228          1            09/18/02         14
    0001253082                           05           11/01/02         25
    0001253082                           N            10/01/17
    0


    8188063          313/G02             F          180,000.00         ZZ
                                         180        178,133.86          1
                                       6.000          1,518.95         80
                                       5.750          1,518.95
    TAUNTON          MA   02780          5            08/21/02         00
    0434867032                           05           10/01/02          0
    8853616                              O            09/01/17
    0


    8188095          313/G02             F          400,000.00         ZZ
                                         180        397,242.26          1
                                       6.000          3,375.43         77
                                       5.750          3,375.43
    SAN FRANCISCO    CA   94134          5            09/06/02         00
    0434867123                           05           11/01/02          0
    8944803                              O            10/01/17
    0


1


    8188335          601/G02             F           53,500.00         ZZ
                                         180         53,314.07          1
                                       5.875            447.86         42
                                       5.625            447.86
    ST PETERSBURG    FL   33713          2            10/21/02         00
    0434880316                           05           12/01/02          0
    6204307                              O            11/01/17
    0


    8188383          K15/G02             F          193,500.00         ZZ
                                         180        192,820.35          1
                                       5.750          1,606.84         90
                                       5.500          1,606.84
    BURIEN           WA   98166          5            10/18/02         41
    0434945143                           05           12/01/02         12
    021005502535                         O            11/01/17
    0


    8188469          601/G02             F          196,000.00         ZZ
                                         180        195,340.28          4
                                       6.250          1,680.55         80
                                       6.000          1,680.55
    BELVIDERE        IL   61008          2            10/23/02         00
    0434886701                           05           12/01/02          0
    61615639                             N            11/01/17
    0


    8188495          K15/G02             F          140,100.00         ZZ
                                         180        140,100.00          1
                                       6.250          1,201.25         85
                                       6.000          1,201.25
    DOVER            NH   03820          5            11/01/02         41
    0434912630                           05           01/01/03          6
    007605310345                         O            12/01/17
    0


    8188513          601/G02             F          125,100.00         ZZ
                                         180        124,705.31          4
                                       7.000          1,124.44         90
                                       6.750          1,124.44
    ORANGE PARK      FL   32065          1            10/24/02         10
    0434892246                           05           12/01/02         20
    6199437-2                            N            11/01/17
    0


    8188521          N47/G02             F          116,000.00         ZZ
                                         180        115,588.22          1
                                       5.625            955.53         43
                                       5.375            955.53
1


    CHINO HILLS      CA   91709          5            10/26/02         00
    0434946703                           05           12/01/02          0
    30520425                             O            11/01/17
    0


    8188531          K15/G02             F           58,500.00         ZZ
                                         180         58,315.44          1
                                       7.000            525.81         90
                                       6.750            525.81
    FULTON           IL   61252          5            10/26/02         41
    0434912879                           05           12/01/02         25
    029405314844                         O            11/01/17
    0


    8188563          696/G02             F          140,000.00         ZZ
                                         180        139,523.71          1
                                       6.125          1,190.87         80
                                       5.875          1,190.87
    COLLEGE PARK     MD   20740          2            10/29/02         00
    0434851515                           05           12/01/02          0
    30102168                             N            11/01/17
    0


    8188567          696/G02             F          168,000.00         ZZ
                                         180        167,428.45          1
                                       6.125          1,429.05         80
                                       5.875          1,429.05
    COLLEGE PARK     MD   20740          2            10/29/02         00
    0434849428                           05           12/01/02          0
    30102167                             N            11/01/17
    0


    8188633          601/G02             F           30,000.00         ZZ
                                         180         29,906.38          1
                                       7.125            271.75         60
                                       6.875            271.75
    SAINT PETERSBUR  FL   33713          1            10/29/02         00
    0434880175                           05           12/01/02          0
    6207933-0                            N            11/01/17
    0


    8188653          601/G02             F          180,000.00         ZZ
                                         180        179,381.05          1
                                       6.000          1,518.95         51
                                       5.750          1,518.95
    COCONUT CREEK    FL   33073          5            10/25/02         00
    0434907119                           05           12/01/02          0
    6201701                              O            11/01/17
    0
1




    8188663          601/G02             F           42,000.00         ZZ
                                         180         41,864.59          1
                                       6.750            371.66         75
                                       6.500            371.66
    CHEYENNE         WY   82007          2            10/18/02         00
    0434879821                           05           12/01/02          0
    6206916                              N            11/01/17
    0


    8188675          601/G02             F           87,750.00         ZZ
                                         180         87,445.03          1
                                       5.875            734.58         65
                                       5.625            734.58
    PLANO            TX   75074          5            10/17/02         00
    0434879326                           05           12/01/02          0
    6196899                              N            11/01/17
    0


    8189261          313/G02             F           74,000.00         ZZ
                                         180         73,748.24          1
                                       6.125            629.47         63
                                       5.875            629.47
    PHOENIX          AZ   85044          2            10/28/02         00
    0435012976                           09           12/01/02          0
    8915274                              O            11/01/17
    0


    8189267          N74/G02             F           81,000.00         ZZ
                                         180         80,733.15          1
                                       6.500            705.60         63
                                       6.250            705.60
    LEXINGTON        NC   27295          2            10/31/02         00
    0434927810                           05           12/05/02          0
    31043010                             O            11/05/17
    0


    8189465          E82/G02             F           43,700.00         ZZ
                                         180         43,700.00          1
                                       5.875            365.82         63
                                       5.625            365.82
    AURORA           CO   80017          2            11/04/02         00
    0400723375                           01           01/01/03          0
    3213487                              O            12/01/17
    0


    8189479          E82/G02             F           50,400.00         ZZ
                                         180         50,400.00          1
1


                                       5.875            421.91         34
                                       5.625            421.91
    FALLS            PA   18615          2            11/04/02         00
    0400710984                           05           01/01/03          0
    1795445                              O            12/01/17
    0


    8189487          E82/G02             F           48,400.00         ZZ
                                         180         48,400.00          1
                                       6.125            411.70         36
                                       5.875            411.70
    PACE             FL   32571          2            11/04/02         00
    0400715835                           05           01/01/03          0
    1566689                              O            12/01/17
    0


    8189499          E82/G02             F          161,000.00         ZZ
                                         180        161,000.00          1
                                       5.875          1,347.76         54
                                       5.625          1,347.76
    HOLBROOK         NY   11741          2            11/04/02         00
    0400710745                           05           01/01/03          0
    2949294                              O            12/01/17
    0


    8189535          E82/G02             F          125,800.00         ZZ
                                         180        125,800.00          1
                                       5.875          1,053.10         35
                                       5.625          1,053.10
    RICHMOND         VA   23229          2            11/04/02         00
    0400705141                           05           01/01/03          0
    1737767                              O            12/01/17
    0


    8189545          E82/G02             F          150,000.00         ZZ
                                         180        150,000.00          3
                                       6.000          1,265.79         34
                                       5.750          1,265.79
    NEW ROCHELLE     NY   10805          2            11/04/02         00
    0400705844                           05           01/01/03          0
    1844152                              O            12/01/17
    0


    8189567          E82/G02             F           89,000.00         ZZ
                                         180         89,000.00          1
                                       5.750            739.06         59
                                       5.500            739.06
    SARASOTA         FL   34243          2            11/06/02         00
    0400725636                           01           01/01/03          0
1


    1565624                              N            12/01/17
    0


    8189569          E82/G02             F           78,800.00         ZZ
                                         180         78,800.00          1
                                       5.750            654.36         83
                                       5.500            654.36
    SAULT STE MARIE  MI   49783          2            11/04/02         04
    0400721536                           05           01/01/03          6
    5517059                              O            12/01/17
    0


    8189577          E82/G02             F          182,000.00         ZZ
                                         180        181,360.73          1
                                       5.750          1,511.35         70
                                       5.500          1,511.35
    CANYON LAKE      CA   92587          2            10/21/02         00
    0400705331                           05           12/01/02          0
    5618483                              O            11/01/17
    0


    8189977          E22/G02             F          140,250.00         ZZ
                                         180        140,250.00          1
                                       6.375          1,212.11         75
                                       6.125          1,212.11
    ALPENA           MI   49707          5            11/08/02         00
    0414833913                           05           01/01/03          0
    0414833913                           N            12/01/17
    0


    8189989          E22/G02             F          161,000.00         ZZ
                                         180        160,446.39          1
                                       6.000          1,358.61         72
                                       5.750          1,358.61
    ISLIP TERRACE    NY   11752          5            11/04/02         00
    0414868505                           05           12/01/02          0
    0414868505                           O            11/01/17
    0


    8189993          E22/G02             F           78,250.00         ZZ
                                         180         78,250.00          1
                                       6.125            665.61         28
                                       5.875            665.61
    PASO ROBLES      CA   93446          2            10/30/02         00
    0414899104                           05           01/01/03          0
    0414899104                           N            12/01/17
    0


1


    8190025          E22/G02             F           90,250.00         ZZ
                                         180         90,250.00          1
                                       6.875            804.90         95
                                       6.625            804.90
    MODALE           IA   51556          5            11/05/02         01
    0415031640                           05           01/01/03         35
    0415031640                           O            12/01/17
    0


    8190045          E22/G02             F          101,000.00         ZZ
                                         180        101,000.00          1
                                       6.250            866.00        100
                                       6.000            866.00
    TITUSVILLE       FL   32796          2            11/04/02         04
    0415073691                           05           01/01/03         35
    0415073691                           O            12/01/17
    0


    8190055          E22/G02             F          175,000.00         ZZ
                                         180        175,000.00          4
                                       6.500          1,524.44         17
                                       6.250          1,524.44
    BOSTON           MA   02116          5            11/04/02         00
    0415078443                           05           01/01/03          0
    0415078443                           O            12/01/17
    0


    8190147          E22/G02             F           50,000.00         ZZ
                                         180         50,000.00          1
                                       7.000            449.41         59
                                       6.750            449.41
    SOUTHFIELD       MI   48035          5            11/11/02         00
    0415102342                           05           01/01/03          0
    0415102342                           N            12/01/17
    0


    8190175          E22/G02             F          132,000.00         ZZ
                                         180        132,000.00          1
                                       5.875          1,105.00         80
                                       5.625          1,105.00
    GLENVIEW         IL   60025          5            11/04/02         00
    0415154731                           01           01/01/03          0
    0415154731                           O            12/01/17
    0


    8190193          E22/G02             F           91,300.00         ZZ
                                         180         91,300.00          1
                                       5.875            764.29         75
                                       5.625            764.29
1


    OMAHA            NE   68138          5            11/04/02         00
    0415178151                           05           01/01/03          0
    0415178151                           O            12/01/17
    0


    8190205          E22/G02             F           66,400.00         ZZ
                                         180         66,185.92          1
                                       6.750            587.58         80
                                       6.500            587.58
    DALLAS           TX   75230          5            10/29/02         00
    0415190792                           01           12/01/02          0
    0415190792                           O            11/01/17
    0


    8190229          E22/G02             F          127,000.00         ZZ
                                         180        127,000.00          1
                                       6.000          1,071.70         63
                                       5.750          1,071.70
    STERLING HEIGHT  MI   48310          2            11/04/02         00
    0415211093                           05           01/01/03          0
    0415211093                           O            12/01/17
    0


    8190233          E22/G02             F          155,000.00         ZZ
                                         180        155,000.00          1
                                       5.875          1,297.53         69
                                       5.625          1,297.53
    SAN FERNANDO     CA   91340          5            10/30/02         00
    0415212612                           05           01/01/03          0
    0415212612                           O            12/01/17
    0


    8190323          E22/G02             F          300,000.00         ZZ
                                         180        300,000.00          1
                                       5.875          2,511.36         71
                                       5.625          2,511.36
    FARMINGTON HILL  MI   48331          5            11/05/02         00
    0415279934                           05           01/01/03          0
    0415279934                           O            12/01/17
    0


    8190373          E22/G02             F          170,000.00         ZZ
                                         180        170,000.00          1
                                       5.875          1,423.10         71
                                       5.625          1,423.10
    ANN ARBOR        MI   48197          2            11/04/02         00
    0415296789                           05           01/01/03          0
    0415296789                           O            12/01/17
    0
1




    8190807          Q14/G02             F          137,600.00         ZZ
                                         180        137,126.85          1
                                       6.000          1,161.15         90
                                       5.750          1,161.15
    KANSAS CITY      MO   64154          5            11/01/02         01
    0434889994                           03           12/01/02         25
    0000209903                           O            11/01/17
    0


    8192037          A06/G02             F          196,800.00         ZZ
                                         180        196,130.47          1
                                       6.125          1,674.03         80
                                       5.875          1,674.03
    CANTON           MI   48188          2            10/26/02         00
    0434988911                           05           12/01/02          0
    025000020220578                      O            11/01/17
    0


    8192047          X27/G02             F          167,000.00         ZZ
                                         180        166,413.43          1
                                       5.750          1,386.78         70
                                       5.500          1,386.78
    NORTH HOLLYWOOD  CA   91605          5            10/25/02         00
    0434941035                           05           12/01/02          0
    10000469                             O            11/01/17
    0


    8192855          808/G02             F          146,200.00         ZZ
                                         180        145,718.36          1
                                       6.500          1,273.56         75
                                       6.250          1,273.56
    FRESNO           CA   93722          5            10/08/02         00
    0434878112                           05           12/01/02          0
    9105562                              O            11/01/17
    0


    8193383          U05/G02             F          375,000.00         ZZ
                                         180        373,696.75          1
                                       5.875          3,139.19         59
                                       5.625          3,139.19
    SAN ANTONIO      TX   78212          5            10/25/02         00
    0434916797                           05           12/01/02          0
    3274876                              O            11/01/17
    0


    8193547          225/G02             F          469,000.00         ZZ
                                         180        467,370.06          1
1


                                       5.875          3,926.09         72
                                       5.625          3,926.09
    LOUISVILLE       CO   80027          5            10/02/02         00
    0434981262                           03           12/01/02          0
    007409021                            O            11/01/17
    0


    8193871          225/G02             F          405,000.00         ZZ
                                         180        402,087.46          1
                                       5.500          3,309.19         60
                                       5.250          3,309.19
    VIRGINIA BEAC    VA   23452          5            09/24/02         00
    0434990529                           05           11/01/02          0
    008480611                            O            10/01/17
    0


    8194363          225/G02             F          525,000.00         ZZ
                                         180        523,175.44          1
                                       5.875          4,394.87         75
                                       5.625          4,394.87
    COLTS NECK       NJ   07722          5            10/01/02         00
    0434993358                           05           12/01/02          0
    006714150                            O            11/01/17
    0


    8194629          K15/G02             F           44,600.00         ZZ
                                         120         44,345.85          3
                                       7.250            523.61         15
                                       7.000            523.61
    CARNEY           NJ   07032          5            10/26/02         00
    0434945051                           05           12/01/02          0
    013805505076                         O            11/01/12
    0


    8195419          P34/G02             F           88,000.00         ZZ
                                         180         87,697.40          2
                                       6.000            742.60         58
                                       5.750            742.60
    PROVIDENCE       RI   02908          5            10/25/02         00
    0434955183                           05           12/01/02          0
    62083                                O            11/01/17
    0


    8195509          883/G02             F          162,774.00         ZZ
                                         180        162,202.27          1
                                       5.750          1,351.69         78
                                       5.500          1,351.69
    BOWIE            MD   20715          5            10/30/02         00
    0434961868                           05           12/01/02          0
1


    23000633                             O            11/01/17
    0


    8195859          Q87/G02             F           81,000.00         ZZ
                                         180         80,718.49          1
                                       5.875            678.07         56
                                       5.625            678.07
    HERNANDO         MS   38632          2            11/06/02         00
    0434956652                           05           12/12/02          0
    MOAU02                               O            11/12/17
    0


    8196033          K15/G02             F           84,000.00         ZZ
                                         180         83,732.09          1
                                       6.875            749.16         76
                                       6.625            749.16
    SURVEYOR         WV   25932          5            10/26/02         00
    0434931085                           05           12/01/02          0
    381503490                            O            11/01/17
    0


    8196781          K15/G02             F           70,000.00         T
                                         180         69,779.15          1
                                       7.000            629.18         28
                                       6.750            629.18
    CORAL SPRINGS    FL   33071          5            10/31/02         00
    0434949012                           05           12/01/02          0
    126                                  O            11/01/17
    0


    8196789          L76/G02             F          133,000.00         ZZ
                                         180        133,000.00          1
                                       5.375          1,077.92         43
                                       5.125          1,077.92
    LAKEVILLE        MN   55044          5            11/08/02         00
    0434956553                           05           01/01/03          0
    9507301                              O            12/01/17
    0


    8197119          S25/G02             F          129,200.00         ZZ
                                         180        127,093.69          1
                                       6.750          1,143.30         95
                                       6.500          1,143.30
    WINSTON SALEM    NC   27101          2            08/29/02         11
    0435009345                           05           10/05/02         30
    284746123                            O            09/05/17
    0


1


    8197219          E22/G02             F           56,800.00         ZZ
                                         180         56,800.00          1
                                       6.000            479.31         80
                                       5.750            479.31
    DOUGLASVILLE     GA   30134          1            11/12/02         00
    0415208602                           05           01/01/03          0
    0415208602                           N            12/01/17
    0


    8197233          E22/G02             F          115,000.00         ZZ
                                         180        115,000.00          1
                                       5.875            962.69         62
                                       5.625            962.69
    FONTANA          CA   92335          2            11/07/02         00
    0415221274                           05           01/01/03          0
    0415221274                           N            12/01/17
    0


    8197243          E22/G02             F          144,000.00         ZZ
                                         180        144,000.00          1
                                       6.250          1,234.69         66
                                       6.000          1,234.69
    BOZEMAN          MT   59715          2            11/05/02         00
    0415228774                           05           01/01/03          0
    0415228774                           O            12/01/17
    0


    8197305          E22/G02             F           75,100.00         ZZ
                                         180         74,836.21          1
                                       5.750            623.64         43
                                       5.500            623.64
    ARLINGTON        TX   76012          2            10/29/02         00
    0415255306                           05           12/01/02          0
    0415255306                           O            11/01/17
    0


    8197321          E22/G02             F           80,600.00         ZZ
                                         180         80,600.00          1
                                       5.875            674.72         38
                                       5.625            674.72
    NEW MILFORD      CT   06776          2            11/06/02         00
    0415266881                           05           01/01/03          0
    0415266881                           O            12/01/17
    0


    8197325          E22/G02             F          109,000.00         ZZ
                                         180        109,000.00          1
                                       5.750            905.15         61
                                       5.500            905.15
1


    LAUREL           MD   20723          2            11/06/02         00
    0415268739                           07           01/01/03          0
    0415268739                           O            12/01/17
    0


    8197339          E22/G02             F           56,800.00         ZZ
                                         180         56,800.00          1
                                       6.875            506.57         80
                                       6.625            506.57
    ORLANDO          FL   32825          1            11/12/02         00
    0415274471                           05           01/01/03          0
    0415274471                           N            12/01/17
    0


    8197359          E22/G02             F           85,000.00         ZZ
                                         180         85,000.00          1
                                       6.500            740.44         64
                                       6.250            740.44
    ARLINGTON        TX   76013          5            11/05/02         00
    0415285139                           09           01/01/03          0
    0415285139                           O            12/01/17
    0


    8197435          E22/G02             F           53,100.00         ZZ
                                         180         53,100.00          2
                                       5.750            440.95         76
                                       5.500            440.95
    SAN ANTONIO      TX   78212          2            11/12/02         00
    0415348416                           05           01/01/03          0
    0415348416                           N            12/01/17
    0


    8197545          E22/G02             F          182,000.00         ZZ
                                         180        182,000.00          1
                                       6.375          1,572.94         75
                                       6.125          1,572.94
    CARSON CITY      NV   89701          2            11/05/02         00
    0414926196                           05           01/01/03          0
    0414926196                           N            12/01/17
    0


    8197569          E22/G02             F          191,300.00         ZZ
                                         180        191,300.00          1
                                       5.625          1,575.80         40
                                       5.375          1,575.80
    AUSTIN           TX   78731          5            11/06/02         00
    0415017664                           05           01/01/03          0
    0415017664                           O            12/01/17
    0
1




    8197649          E22/G02             F          180,000.00         ZZ
                                         180        180,000.00          1
                                       6.250          1,543.36         79
                                       6.000          1,543.36
    SOMERVILLE       NJ   08876          5            11/05/02         00
    0415135284                           05           01/01/03          0
    0415135284                           O            12/01/17
    0


    8197759          H81/G02             F           53,500.00         ZZ
                                         180         53,500.00          1
                                       6.375            462.37         72
                                       6.125            462.37
    MILWAUKEE        WI   53208          5            11/04/02         00
    0434955845                           05           01/01/03          0
    WH17038SP                            O            12/01/17
    0


    8197989          P01/G02             F          123,250.00         ZZ
                                         180        122,848.31          1
                                       6.625          1,082.13         85
                                       6.375          1,082.13
    CLIFTON PARK     NY   12065          1            10/28/02         04
    0434956934                           05           12/01/02         25
    02003040                             O            11/01/17
    0


    8198013          U05/G02             F           87,000.00         ZZ
                                         180         86,697.65          1
                                       5.875            728.29         71
                                       5.625            728.29
    BELGRADE         MT   59714          5            10/24/02         00
    0434931010                           05           12/01/02          0
    3273948                              O            11/01/17
    0


    8198095          G34/G02             F          123,500.00         ZZ
                                         180        123,093.14          1
                                       6.500          1,075.82         80
                                       6.250          1,075.82
    LAS VEGAS        NV   89123          2            10/30/02         00
    0434956744                           05           12/01/02          0
    39012199                             N            11/01/17
    0


    8201069          313/G02             F          375,900.00         ZZ
                                         180        374,621.16          1
1


                                       6.125          3,197.50         65
                                       5.875          3,197.50
    LOS ANGELES (NO  CA   91326          2            10/24/02         00
    0434905600                           05           12/01/02          0
    8970857                              O            11/01/17
    0


    8201079          313/G02             F          432,500.00         ZZ
                                         180        430,996.91          1
                                       5.875          3,620.54         69
                                       5.625          3,620.54
    SAN MATEO        CA   94403          2            10/28/02         00
    0434949715                           05           12/01/02          0
    8929192                              O            11/01/17
    0


    8201503          313/G02             F          432,000.00         ZZ
                                         180        428,957.97          1
                                       5.750          3,587.38         72
                                       5.500          3,587.38
    SAN JOSE         CA   95136          2            10/08/02         00
    0434904512                           05           11/01/02          0
    8834368                              O            10/01/17
    0


    8201615          A50/G02             F          160,000.00         ZZ
                                         180        159,443.94          1
                                       5.875          1,339.39         79
                                       5.625          1,339.39
    CALHOUN          GA   30701          2            10/30/02         00
    0434906830                           05           12/01/02          0
    886189                               O            11/01/17
    0


    8201937          P44/G02             F          130,000.00         ZZ
                                         180        130,000.00          1
                                       5.500          1,062.21         47
                                       5.250          1,062.21
    WAREHAM          MA   02558          5            01/07/02         00
    0434953840                           05           01/01/03          0
    1                                    O            12/01/17
    0


    8202089          738/G02             F          193,200.00         ZZ
                                         180        192,528.55          1
                                       5.875          1,617.32         80
                                       5.625          1,617.32
    BRADENTON        FL   34210          1            10/31/02         00
    0434921029                           05           12/01/02          0
1


    40704784                             O            11/01/17
    0


    8202819          E22/G02             F          122,600.00         ZZ
                                         180        122,600.00          1
                                       5.875          1,026.31         78
                                       5.625          1,026.31
    ARLINGTON        TX   76012          5            11/07/02         00
    0415181197                           05           01/01/03          0
    0415181197                           O            12/01/17
    0


    8202849          E22/G02             F          500,000.00         ZZ
                                         180        500,000.00          1
                                       5.875          4,185.59         76
                                       5.625          4,185.59
    GLEN ROCK        NJ   07452          1            11/13/02         00
    0415224856                           05           01/01/03          0
    0415224856                           O            12/01/17
    0


    8202869          E22/G02             F           59,000.00         ZZ
                                         180         59,000.00          1
                                       5.875            493.90         94
                                       5.625            493.90
    PUEBLO           CO   81001          2            11/07/02         01
    0415244201                           05           01/01/03         25
    0415244201                           O            12/01/17
    0


    8202871          E22/G02             F           90,000.00         ZZ
                                         180         90,000.00          1
                                       6.250            771.68         80
                                       6.000            771.68
    WHITESBORO       TX   76273          1            11/13/02         00
    0415254135                           05           01/01/03          0
    0415254135                           N            12/01/17
    0


    8202901          E22/G02             F          150,000.00         ZZ
                                         180        150,000.00          1
                                       6.000          1,265.79         79
                                       5.750          1,265.79
    LOXAHATCHEE      FL   33470          5            11/05/02         00
    0415284926                           05           01/01/03          0
    0415284926                           O            12/01/17
    0


1


    8203059          U33/G02             F          192,000.00         ZZ
                                         180        191,346.80          1
                                       6.125          1,633.20         79
                                       5.875          1,633.20
    FALLBROOK        CA   92028          5            10/24/02         00
    0434959425                           05           12/01/02          0
    429486                               O            11/01/17
    0


    8203083          W68/G02             F          136,000.00         ZZ
                                         180        135,561.52          1
                                       6.750          1,203.48         80
                                       6.500          1,203.48
    CARROLLTON       TX   75007          5            11/17/02         00
    0435000419                           05           12/01/02          0
    31306                                O            11/01/17
    0


    8203179          G51/G02             F          600,000.00         ZZ
                                         180        600,000.00          1
                                       5.750          4,982.47         80
                                       5.500          4,982.47
    ENGLEWOOD        CO   80111          5            11/08/02         00
    0434957213                           05           01/01/03          0
    11000080                             O            12/01/17
    0


    8203371          F89/G02             F          468,750.00         ZZ
                                         180        468,750.00          1
                                       6.125          3,987.30         75
                                       5.875          3,987.30
    SANTA CLARITA    CA   91321          5            11/01/02         00
    0434960043                           05           01/01/03          0
    24556                                O            12/01/17
    0


    8203985          U42/G02             F           40,350.00         ZZ
                                         120         40,113.65          1
                                       6.750            463.32         74
                                       6.500            463.32
    DUNCANVILLE      TX   75137          5            10/25/02         00
    0434974580                           05           12/01/02          0
    12202667                             O            11/01/12
    0


    8204011          F89/G02             F          444,000.00         ZZ
                                         180        442,489.48          1
                                       6.125          3,776.77         80
                                       5.875          3,776.77
1


    SANTA MONICA     CA   90403          1            10/29/02         00
    0434962882                           01           12/01/02          0
    24022                                O            11/01/17
    0


    8204095          N74/G02             F           65,600.00         ZZ
                                         180         65,166.59          1
                                       6.500            571.45         80
                                       6.250            571.45
    STAUNTON         VA   24401          1            10/29/02         00
    0434993861                           05           11/29/02          0
    0031017010                           N            10/29/17
    0


    8204215          N74/G02             F          104,000.00         ZZ
                                         180        103,634.70          1
                                       5.750            863.63         80
                                       5.500            863.63
    WILKESBORO       NC   28697          5            10/31/02         00
    0434956025                           05           12/05/02          0
    0031027010                           O            11/05/17
    0


    8204739          N74/G02             F          184,000.00         ZZ
                                         180        184,000.00          1
                                       5.875          1,540.30         80
                                       5.625          1,540.30
    GREENSBORO       NC   27410          5            10/31/02         00
    0434983151                           05           01/01/03          0
    326                                  O            12/01/17
    0


    8204807          144/144             F          113,000.00         ZZ
                                         180        112,611.44          4
                                       6.000            953.56         57
                                       5.750            953.56
    POUGHKEEPSIE     NY   12603          2            10/08/02         00
    160699900                            05           12/01/02          0
    160699900                            N            11/01/17
    0


    8204903          N74/G02             F           70,000.00         ZZ
                                         180         70,000.00          1
                                       5.875            585.98         83
                                       5.625            585.98
    BUENA VISTA      VA   24416          5            10/30/02         10
    0434983342                           05           01/01/03         12
    129                                  O            12/01/17
    0
1




    8205311          624/G02             F          275,000.00         ZZ
                                         180        275,000.00          1
                                       6.000          2,320.61         77
                                       5.750          2,320.61
    ROWLAND HEIGHTS  CA   91748          5            11/04/02         00
    0434955266                           05           01/01/03          0
    1000015942                           O            12/01/17
    0


    8205983          J40/G02             F           52,500.00         ZZ
                                         180         52,323.29          1
                                       6.250            450.15         74
                                       6.000            450.15
    WAYNESBORO       TN   38485          2            10/16/02         00
    0434990362                           05           12/01/02          0
    7753689                              O            11/01/17
    0


    8206103          E22/G02             F          304,000.00         ZZ
                                         180        304,000.00          1
                                       5.625          2,504.14         80
                                       5.375          2,504.14
    EUGENE           OR   97401          2            11/01/02         00
    0415070028                           05           01/01/03          0
    0415070028                           O            12/01/17
    0


    8206125          E22/G02             F          341,000.00         ZZ
                                         180        341,000.00          1
                                       5.875          2,854.57         57
                                       5.625          2,854.57
    HAZEL GREEN      AL   35750          2            11/08/02         00
    0415141720                           05           01/01/03          0
    0415141720                           O            12/01/17
    0


    8206141          E22/G02             F          123,250.00         ZZ
                                         180        123,250.00          1
                                       5.625          1,015.25         80
                                       5.375          1,015.25
    SPOKANE          WA   99223          2            11/05/02         00
    0415145879                           05           01/01/03          0
    0415145879                           O            12/01/17
    0


    8206159          E22/G02             F          120,000.00         ZZ
                                         180        120,000.00          1
1


                                       5.625            988.48         67
                                       5.375            988.48
    SAINT PAUL       MN   55124          2            11/08/02         00
    0415161850                           01           01/01/03          0
    0415161850                           O            12/01/17
    0


    8206205          E22/G02             F           41,600.00         ZZ
                                         180         41,600.00          1
                                       6.250            356.69         80
                                       6.000            356.69
    PORT SAINT LUCI  FL   34953          1            11/14/02         00
    0415192343                           05           01/01/03          0
    0415192343                           N            12/01/17
    0


    8206247          E22/G02             F          156,000.00         ZZ
                                         180        156,000.00          1
                                       5.875          1,305.90         57
                                       5.625          1,305.90
    WEST BLOOMFIELD  MI   48322          2            11/08/02         00
    0415230853                           05           01/01/03          0
    0415230853                           O            12/01/17
    0


    8206251          E22/G02             F          209,900.00         ZZ
                                         180        209,900.00          1
                                       5.625          1,729.01         72
                                       5.375          1,729.01
    CORPUS CHRISTI   TX   78418          2            11/05/02         00
    0415244219                           03           01/01/03          0
    0415244219                           O            12/01/17
    0


    8206259          E22/G02             F          408,000.00         ZZ
                                         180        408,000.00          1
                                       5.875          3,415.44         55
                                       5.625          3,415.44
    SUGAR LAND       TX   77479          2            11/06/02         00
    0415249192                           03           01/01/03          0
    0415249192                           O            12/01/17
    0


    8206303          E22/G02             F          136,500.00         ZZ
                                         180        136,500.00          1
                                       5.875          1,142.67         78
                                       5.625          1,142.67
    WINTER HAVEN     FL   33884          2            11/08/02         00
    0415287994                           05           01/01/03          0
1


    0415287994                           O            12/01/17
    0


    8206469          E22/G02             F          246,000.00         ZZ
                                         180        246,000.00          1
                                       6.250          2,109.26         80
                                       6.000          2,109.26
    FARMINGTON       MI   48331          5            11/08/02         00
    0415422245                           05           01/01/03          0
    0415422245                           O            12/01/17
    0


    8206539          W34/G02             F          220,500.00         ZZ
                                         180        220,500.00          1
                                       5.875          1,845.85         89
                                       5.625          1,845.85
    ZIMMERMAN        MN   55398          5            11/12/02         10
    0434972717                           05           01/01/03         12
    IF01010005057                        O            12/01/17
    0


    8206591          F62/F62             F          240,000.00         ZZ
                                         180        239,192.19          1
                                       6.250          2,057.81         80
                                       6.000          2,057.81
    MIAMI            FL   33157          5            11/01/02         00
    1                                    05           12/01/02          0
    1                                    O            11/01/17
    0


    8206693          X19/G02             F          150,000.00         T
                                         180        150,000.00          1
                                       5.750          1,245.62         68
                                       5.500          1,245.62
    MARGATE          FL   33063          1            11/12/02         00
    0434978813                           03           01/01/03          0
    22101802                             O            12/01/17
    0


    8206753          K15/G02             F          157,600.00         ZZ
                                         180        157,600.00          1
                                       5.750          1,308.73         80
                                       5.500          1,308.73
    MERRIMACK        NH   03054          5            11/08/02         00
    0434944922                           05           01/01/03          0
    033105505731                         O            12/01/17
    0


1


    8206787          E82/G02             F           51,000.00         ZZ
                                         180         51,000.00          1
                                       6.000            430.37         73
                                       5.750            430.37
    MANCHESTER       NJ   08733          2            11/05/02         00
    0400725024                           05           01/01/03          0
    1986311                              O            12/01/17
    0


    8206791          E82/G02             F          131,500.00         ZZ
                                         180        131,500.00          1
                                       6.000          1,109.67         83
                                       5.750          1,109.67
    METAIRIE         LA   70002          2            11/05/02         10
    0400708517                           05           01/01/03          6
    4494070                              O            12/01/17
    0


    8206799          E82/G02             F           71,400.00         ZZ
                                         180         71,400.00          1
                                       5.750            592.91         24
                                       5.500            592.91
    ELK RIVER        MN   55330          2            11/08/02         00
    0400725909                           05           01/01/03          0
    1672135                              O            12/01/17
    0


    8206811          E82/G02             F          132,300.00         ZZ
                                         180        132,300.00          3
                                       7.125          1,198.41         78
                                       6.875          1,198.41
    BRIDGEPORT       CT   06605          2            11/13/02         00
    0400709820                           05           01/01/03          0
    8154586                              N            12/01/17
    0


    8206819          E82/G02             F          152,000.00         ZZ
                                         180        152,000.00          1
                                       6.125          1,292.95         53
                                       5.875          1,292.95
    WHITE PLAINS     NY   10605          2            11/13/02         00
    0400668414                           01           01/01/03          0
    1798320                              O            12/01/17
    0


    8206823          E82/G02             F           38,200.00         ZZ
                                         180         38,200.00          2
                                       7.125            346.03         51
                                       6.875            346.03
1


    NIAGARA FALLS    NY   14303          2            11/14/02         00
    0400703955                           05           01/01/03          0
    1583841                              N            12/01/17
    0


    8206845          E82/G02             F           79,200.00         ZZ
                                         180         79,200.00          1
                                       5.750            657.68         59
                                       5.500            657.68
    FULLERTON        CA   92833          2            11/07/02         00
    0400727426                           05           01/01/03          0
    1514786                              O            12/01/17
    0


    8206849          E82/G02             F           73,000.00         ZZ
                                         180         73,000.00          1
                                       6.000            616.02         80
                                       5.750            616.02
    CONNELY SPRINGS  NC   28612          5            11/08/02         00
    0400713400                           05           01/01/03          0
    0400713400                           O            12/01/17
    0


    8206901          E82/G02             F          134,500.00         ZZ
                                         180        134,500.00          1
                                       5.875          1,125.92         38
                                       5.625          1,125.92
    SELDEN           NY   11784          2            11/12/02         00
    0400710380                           05           01/01/03          0
    3185697                              O            12/01/17
    0


    8206905          E82/G02             F           94,000.00         ZZ
                                         180         94,000.00          1
                                       5.875            786.89         47
                                       5.625            786.89
    SAN DIEGO        CA   92129          2            11/05/02         00
    0400711255                           05           01/01/03          0
    1536909                              O            12/01/17
    0


    8206917          E82/G02             F           84,000.00         ZZ
                                         180         84,000.00          1
                                       5.875            703.18         56
                                       5.625            703.18
    BURTON           MI   48519          2            11/11/02         00
    0400726329                           05           01/01/03          0
    1722033                              O            12/01/17
    0
1




    8206937          E82/G02             F           79,100.00         ZZ
                                         180         79,100.00          1
                                       5.875            662.16         48
                                       5.625            662.16
    BALTIMORE        MD   21212          2            11/11/02         00
    0400715348                           05           01/01/03          0
    1798161                              O            12/01/17
    0


    8206953          E82/G02             F           69,400.00         ZZ
                                         180         69,400.00          1
                                       6.125            590.33         42
                                       5.875            590.33
    ORLANDO          FL   32803          2            11/11/02         00
    0400722237                           05           01/01/03          0
    1844323                              N            12/01/17
    0


    8206961          E82/G02             F          113,500.00         ZZ
                                         180        113,500.00          1
                                       5.750            942.52         75
                                       5.500            942.52
    SEVERN           MD   21144          2            11/05/02         00
    0400715777                           05           01/01/03          0
    4316667                              O            12/01/17
    0


    8207001          E82/G02             F          138,000.00         ZZ
                                         180        138,000.00          1
                                       5.750          1,145.97         44
                                       5.500          1,145.97
    MIDDLETOWN       NJ   07738          2            11/13/02         00
    0400710695                           05           01/01/03          0
    2800357                              O            12/01/17
    0


    8207033          E82/G02             F          104,000.00         ZZ
                                         180        104,000.00          1
                                       5.875            870.60         88
                                       5.625            870.60
    APOPKA           FL   32703          2            11/11/02         10
    0400725503                           05           01/01/03         12
    0400725503                           O            12/01/17
    0


    8207051          K15/G02             F          116,000.00         ZZ
                                         180        116,000.00          1
1


                                       6.125            986.72         80
                                       5.875            986.72
    BIDDEFORD        ME   04005          5            11/08/02         00
    0434955498                           05           01/01/03          0
    007105504709                         O            12/01/17
    0


    8207147          Q73/G02             F           51,450.00         ZZ
                                         180         51,269.28          1
                                       5.750            427.25         37
                                       5.500            427.25
    NESBIT           MS   38651          2            11/01/02         00
    0434960647                           05           12/01/02          0
    2979197                              O            11/01/17
    0


    8207201          E82/G02             F          130,500.00         ZZ
                                         180        130,500.00          1
                                       5.875          1,092.44         62
                                       5.625          1,092.44
    AURORA           CO   80013          2            11/04/02         00
    0400722625                           03           01/01/03          0
    1797306                              O            12/01/17
    0


    8207231          E82/G02             F           57,900.00         ZZ
                                         180         57,900.00          1
                                       5.875            484.69         48
                                       5.625            484.69
    EAST ORANGE      NJ   07017          2            11/07/02         00
    0400730842                           05           01/01/03          0
    1585398                              O            12/01/17
    0


    8207235          E82/G02             F          139,000.00         ZZ
                                         180        139,000.00          1
                                       5.875          1,163.59         31
                                       5.625          1,163.59
    FRISCO           CO   80443          2            11/12/02         00
    0400713376                           03           01/01/03          0
    1733526                              N            12/01/17
    0


    8207251          E82/G02             F           42,800.00         ZZ
                                         180         42,800.00          1
                                       6.125            364.07         44
                                       5.875            364.07
    DALLAS           TX   75211          2            11/12/02         00
    0400711958                           05           01/01/03          0
1


    1630658                              N            12/01/17
    0


    8207269          E82/G02             F           89,800.00         ZZ
                                         180         89,800.00          1
                                       5.875            751.73         70
                                       5.625            751.73
    LEHIGH ACRES     FL   33936          2            11/06/02         00
    0400714804                           05           01/01/03          0
    1755313                              O            12/01/17
    0


    8207297          Q73/G02             F          372,000.00         ZZ
                                         180        370,679.47          1
                                       5.625          3,064.28         80
                                       5.375          3,064.28
    MEMPHIS          TN   38133          2            10/31/02         00
    0434966230                           05           12/01/02          0
    2982883                              O            11/01/17
    0


    8207325          E82/G02             F           93,000.00         ZZ
                                         180         93,000.00          1
                                       6.125            791.08         67
                                       5.875            791.08
    EUGENE           OR   97404          2            11/13/02         00
    0400725792                           05           01/01/03          0
    2828213                              N            12/01/17
    0


    8207327          E82/G02             F           42,900.00         ZZ
                                         180         42,900.00          1
                                       6.375            370.76         47
                                       6.125            370.76
    FARMINGTON HILL  MI   48334          2            11/13/02         00
    0400729612                           01           01/01/03          0
    1830819                              O            12/01/17
    0


    8207341          E82/G02             F          111,500.00         ZZ
                                         180        111,500.00          1
                                       5.875            933.39         59
                                       5.625            933.39
    JACKSON          CA   95642          2            11/04/02         00
    0400718771                           05           01/01/03          0
    1933403                              O            12/01/17
    0


1


    8207355          E82/G02             F          147,000.00         ZZ
                                         180        147,000.00          1
                                       5.875          1,230.56         55
                                       5.625          1,230.56
    SAN DIEGO        CA   92109          2            11/05/02         00
    0400724423                           05           01/01/03          0
    1730623                              O            12/01/17
    0


    8207377          E82/G02             F           65,900.00         ZZ
                                         180         65,900.00          1
                                       6.125            560.56         37
                                       5.875            560.56
    CARMEL           NY   10512          2            11/06/02         00
    0400706388                           05           01/01/03          0
    1584318                              O            12/01/17
    0


    8207387          E82/G02             F           56,450.00         ZZ
                                         180         56,450.00          1
                                       6.250            484.02         65
                                       6.000            484.02
    MOBILE           AL   36695          2            11/13/02         00
    0400733994                           05           01/01/03          0
    1841826                              N            12/01/17
    0


    8207393          E82/G02             F          277,700.00         ZZ
                                         180        277,700.00          1
                                       5.750          2,306.05         47
                                       5.500          2,306.05
    PARKER           CO   80134          2            11/07/02         00
    0400725479                           03           01/01/03          0
    1544639                              O            12/01/17
    0


    8207407          E82/G02             F           65,600.00         ZZ
                                         180         65,600.00          1
                                       6.500            571.45         80
                                       6.250            571.45
    RICHMOND         VA   23226          2            11/15/02         00
    0400726238                           05           01/01/03          0
    4699554                              N            12/01/17
    0


    8207419          E82/G02             F           42,500.00         ZZ
                                         180         42,500.00          1
                                       6.125            361.52         57
                                       5.875            361.52
1


    AVON PARK        FL   33825          2            11/12/02         00
    0400723623                           05           01/01/03          0
    1938527                              O            12/01/17
    0


    8207813          U96/G02             F          160,000.00         ZZ
                                         180        160,000.00          1
                                       5.750          1,328.66         64
                                       5.500          1,328.66
    HALEIWA          HI   96712          2            11/01/02         00
    0434962916                           05           01/01/03          0
    2100062                              N            12/01/17
    0


    8207899          G51/G02             F          219,000.00         ZZ
                                         180        219,000.00          1
                                       5.625          1,803.98         67
                                       5.375          1,803.98
    PARKER           CO   80134          2            11/08/02         00
    0434971883                           03           01/01/03          0
    20000681                             O            12/01/17
    0


    8207913          944/G02             F          368,000.00         ZZ
                                         180        368,000.00          1
                                       6.250          3,155.32         76
                                       6.000          3,155.32
    SCOTTSDALE       AZ   85255          5            10/31/02         00
    0434954269                           03           01/01/03          0
    W02028399                            O            12/01/17
    0


    8208185          M27/G02             F          175,500.00         ZZ
                                         180        174,890.08          1
                                       5.875          1,469.14         78
                                       5.625          1,469.14
    RALEIGH          NC   27604          2            10/30/02         00
    0434984282                           03           12/01/02          0
    0100020107                           O            11/01/17
    0


    8208197          M24/G02             F          138,000.00         ZZ
                                         180        137,499.69          1
                                       5.375          1,118.44         44
                                       5.125          1,118.44
    CORONA           CA   92882          2            10/23/02         00
    0434972808                           05           12/01/02          0
    201106473                            O            11/01/17
    0
1




    8208375          738/G02             F          112,500.00         ZZ
                                         180        112,500.00          1
                                       6.125            956.96         75
                                       5.875            956.96
    PLANTATION       FL   33324          2            11/01/02         00
    0434946695                           01           01/01/03          0
    40685557                             O            12/01/17
    0


    8209419          N74/G02             F           54,000.00         ZZ
                                         180         53,816.29          1
                                       6.125            459.34         57
                                       5.875            459.34
    NORTH CHARLESTO  SC   29405          5            11/07/02         00
    0434966057                           05           12/13/02          0
    31091010                             O            11/13/17
    0


    8209819          E22/G02             F          118,000.00         ZZ
                                         180        118,000.00          1
                                       5.875            987.80         72
                                       5.625            987.80
    ALBUQUERQUE      NM   87111          2            11/11/02         00
    0415232289                           05           01/01/03          0
    0415232289                           O            12/01/17
    0


    8209897          E22/G02             F          225,000.00         ZZ
                                         180        225,000.00          1
                                       6.375          1,944.56         75
                                       6.125          1,944.56
    KEENE            TX   76059          5            11/11/02         00
    0415131556                           05           01/01/03          0
    0415131556                           O            12/01/17
    0


    8209923          U09/G02             F          200,000.00         ZZ
                                         180        200,000.00          1
                                       5.875          1,674.24         31
                                       5.625          1,674.24
    FRANKLIN VILLAG  MI   48025          5            11/08/02         00
    0434968764                           05           01/01/03          0
    2202188                              O            12/01/17
    0


    8210027          E22/G02             F           99,500.00         ZZ
                                         120         99,500.00          1
1


                                       5.875          1,098.42         45
                                       5.625          1,098.42
    GRANDVILLE       MI   49418          2            11/15/02         00
    0415429810                           05           01/01/03          0
    0415429810                           N            12/01/12
    0


    8210051          E22/G02             F           52,400.00         ZZ
                                         180         52,400.00          1
                                       6.250            449.29         80
                                       6.000            449.29
    TAMPA            FL   33611          1            11/15/02         00
    0415504877                           05           01/01/03          0
    0415504877                           N            12/01/17
    0


    8210071          E22/G02             F           29,600.00         ZZ
                                         180         29,505.59          1
                                       6.875            263.99         80
                                       6.625            263.99
    MIAMI            FL   33142          5            11/11/02         00
    0415306471                           05           12/01/02          0
    0415306471                           O            11/01/17
    0


    8210089          E22/G02             F           98,000.00         ZZ
                                         180         98,000.00          1
                                       6.500            853.69         93
                                       6.250            853.69
    BAY CITY         MI   48706          2            11/11/02         04
    0415313949                           05           01/01/03         25
    0415313949                           O            12/01/17
    0


    8210097          E22/G02             F          304,000.00         ZZ
                                         180        304,000.00          1
                                       6.000          2,565.32         80
                                       5.750          2,565.32
    WEST LINN        OR   97068          2            11/06/02         00
    0415320134                           05           01/01/03          0
    0415320134                           O            12/01/17
    0


    8210273          X67/G02             F          266,000.00         ZZ
                                         180        265,075.55          1
                                       5.875          2,226.74         46
                                       5.625          2,226.74
    RIVERSIDE        CA   92507          5            10/25/02         00
    0434973376                           05           12/01/02          0
1


    00269925                             O            11/01/17
    0


    8210275          U42/G02             F          108,000.00         T
                                         180        108,000.00          1
                                       5.750            896.84         80
                                       5.500            896.84
    CROWLEY          TX   76036          1            11/01/02         00
    0434972675                           05           01/01/03          0
    33200957                             O            12/01/17
    0


    8211417          E82/G02             F          187,000.00         ZZ
                                         180        187,000.00          1
                                       5.750          1,552.87         58
                                       5.500          1,552.87
    BORING           OR   97009          2            11/14/02         00
    0400729430                           05           01/01/03          0
    1683368                              O            12/01/17
    0


    8211491          E82/G02             F           79,500.00         ZZ
                                         180         79,500.00          2
                                       6.625            698.01         73
                                       6.375            698.01
    RAYTOWN          MO   64138          2            11/16/02         00
    0400736583                           05           01/01/03          0
    1858775                              N            12/01/17
    0


    8211503          E82/G02             F          260,000.00         ZZ
                                         180        260,000.00          1
                                       6.500          2,264.88         72
                                       6.250          2,264.88
    RENO             NV   89511          2            11/08/02         00
    0400662532                           03           01/01/03          0
    1887719                              N            12/01/17
    0


    8211527          E82/G02             F           52,600.00         ZZ
                                         180         52,600.00          2
                                       6.500            458.20         73
                                       6.250            458.20
    OMAHA            NE   68105          2            11/18/02         00
    0400710398                           05           01/01/03          0
    2912862                              N            12/01/17
    0


1


    8211565          E82/G02             F          122,700.00         ZZ
                                         180        122,700.00          2
                                       5.875          1,027.14         62
                                       5.625          1,027.14
    BAYONNE          NJ   07002          2            11/14/02         00
    0400720793                           05           01/01/03          0
    1660650                              O            12/01/17
    0


    8211583          E82/G02             F          137,900.00         ZZ
                                         180        137,900.00          1
                                       5.875          1,154.39         69
                                       5.625          1,154.39
    LAS VEGAS        NV   89134          2            11/14/02         00
    0400732004                           03           01/01/03          0
    8211583                              O            12/01/17
    0


    8211589          E82/G02             F           90,500.00         ZZ
                                         180         90,500.00          1
                                       5.875            757.59         78
                                       5.625            757.59
    MILFORD          NH   03055          2            11/14/02         00
    0400727046                           05           01/01/03          0
    1732550                              O            12/01/17
    0


    8211855          E82/G02             F          115,000.00         ZZ
                                         180        115,000.00          1
                                       6.125            978.22         53
                                       5.875            978.22
    LAKEWOOD         CO   80227          5            10/30/02         00
    0400713574                           05           01/01/03          0
    0400713574                           O            12/01/17
    0


    8212917          N67/G02             F          340,000.00         ZZ
                                         180        337,580.46          1
                                       5.625          2,800.69         71
                                       5.375          2,800.69
    SCOTTSDALE       AZ   85260          2            09/23/02         00
    0434913695                           03           11/01/02          0
    1760003139A                          O            10/01/17
    0


    8212955          N67/G02             F          260,000.00         ZZ
                                         180        259,096.41          1
                                       5.875          2,176.51         75
                                       5.625          2,176.51
1


    FERNDALE         WA   98248          2            10/02/02         00
    0434913877                           05           12/01/02          0
    1781003282A                          O            11/01/17
    0


    8213013          M24/G02             F          380,000.00         ZZ
                                         180        378,679.37          1
                                       5.875          3,181.05         70
                                       5.625          3,181.05
    BUENA PARK       CA   90621          2            10/24/02         00
    0435010913                           05           12/01/02          0
    201104759                            O            11/01/17
    0


    8214053          P09/G02             F          118,820.00         ZZ
                                         180        118,820.00          1
                                       5.625            978.76         78
                                       5.375            978.76
    REISTERSTOWN     MD   21136          5            11/13/02         00
    0434970513                           05           01/01/03          0
    R0208809                             O            12/01/17
    0


    8214145          W02/G02             F           59,850.00         ZZ
                                         180         59,642.00          1
                                       5.875            501.02         90
                                       5.625            501.02
    JACKSONVILLE     FL   32254          5            10/21/02         11
    0434996104                           05           12/01/02         12
    1001581990                           O            11/01/17
    0


    8214297          N74/G02             F           70,400.00         ZZ
                                         180         70,400.00          1
                                       6.750            622.98         80
                                       6.500            622.98
    LEXINGTON        NC   27292          2            11/08/02         00
    0434961249                           27           01/01/03          0
    0031106030                           O            12/01/17
    0


    8214311          E82/G02             F          228,800.00         ZZ
                                         180        228,800.00          1
                                       6.375          1,977.40         80
                                       6.125          1,977.40
    CASTAIC          CA   91384          2            11/15/02         00
    0400727939                           03           01/01/03          0
    5443768                              N            12/01/17
    0
1




    8214447          E82/G02             F          220,000.00         ZZ
                                         180        220,000.00          1
                                       5.875          1,841.66         80
                                       5.625          1,841.66
    AURORA           IN   47001          2            11/15/02         00
    0400700373                           05           01/01/03          0
    3173240                              O            12/01/17
    0


    8214453          E82/G02             F           78,800.00         ZZ
                                         180         78,800.00          1
                                       5.875            659.65         77
                                       5.625            659.65
    MARGATE          FL   33063          2            11/15/02         00
    0400730370                           05           01/01/03          0
    1539678                              O            12/01/17
    0


    8214469          E82/G02             F           78,000.00         ZZ
                                         180         78,000.00          1
                                       6.000            658.21         38
                                       5.750            658.21
    ORTLEY BEACH     NJ   08751          2            11/15/02         00
    0400733861                           05           01/01/03          0
    5483406                              O            12/01/17
    0


    8214559          E82/G02             F          102,000.00         ZZ
                                         180        102,000.00          1
                                       6.125            867.64         57
                                       5.875            867.64
    ROCKLEDGE        FL   32955          2            11/15/02         00
    0400733358                           03           01/01/03          0
    1631780                              O            12/01/17
    0


    8214575          E82/G02             F           91,000.00         ZZ
                                         180         91,000.00          1
                                       5.875            761.78         83
                                       5.625            761.78
    LOUISVILLE       KY   40228          2            11/15/02         10
    0400726279                           01           01/01/03          6
    3213504                              O            12/01/17
    0


    8214591          E82/G02             F           90,600.00         ZZ
                                         180         90,600.00          1
1


                                       6.000            764.53         51
                                       5.750            764.53
    MADISON          WI   53703          2            11/15/02         00
    0400735668                           05           01/01/03          0
    1829759                              O            12/01/17
    0


    8214593          E82/G02             F          149,500.00         ZZ
                                         180        149,500.00          1
                                       5.875          1,251.49         68
                                       5.625          1,251.49
    HAMPSTEAD        NH   03841          2            11/15/02         00
    0400732889                           05           01/01/03          0
    1770362                              O            12/01/17
    0


    8214885          E22/G02             F           87,200.00         ZZ
                                         180         87,200.00          1
                                       5.875            729.97         43
                                       5.625            729.97
    PILOT POINT      TX   76258          5            11/13/02         00
    0415336742                           05           01/01/03          0
    0415336742                           O            12/01/17
    0


    8214889          E22/G02             F          150,185.00         ZZ
                                         180        150,185.00          1
                                       6.125          1,277.51         73
                                       5.875          1,277.51
    KELLER           TX   76248          5            11/07/02         00
    0415338680                           05           01/01/03          0
    0415338680                           O            12/01/17
    0


    8214909          E22/G02             F          412,500.00         ZZ
                                         180        412,500.00          1
                                       5.875          3,453.11         72
                                       5.625          3,453.11
    STRATFORD        CT   06614          5            11/13/02         00
    0415345651                           05           01/01/03          0
    0415345651                           O            12/01/17
    0


    8214977          E22/G02             F           34,500.00         T
                                         180         34,500.00          1
                                       6.875            307.69         75
                                       6.625            307.69
    MIAMI            FL   33160          5            11/14/02         00
    0415391051                           01           01/01/03          0
1


    0415391051                           O            12/01/17
    0


    8214985          E22/G02             F          107,350.00         ZZ
                                         180        107,350.00          1
                                       6.500            935.13         95
                                       6.250            935.13
    ROANOKE          VA   24014          5            11/12/02         04
    0415396878                           05           01/01/03         30
    0415396878                           O            12/01/17
    0


    8215007          E22/G02             F          118,000.00         ZZ
                                         120        118,000.00          1
                                       5.875          1,302.65         74
                                       5.625          1,302.65
    COON RAPIDS      MN   55433          5            11/13/02         00
    0415415553                           05           01/01/03          0
    0415415553                           O            12/01/12
    0


    8215041          E22/G02             F           75,000.00         ZZ
                                         180         75,000.00          1
                                       5.750            622.81         58
                                       5.500            622.81
    BONNERS FERRY    ID   83805          5            11/12/02         00
    0415475771                           05           01/01/03          0
    0415475771                           O            12/01/17
    0


    8215325          E22/G02             F          123,500.00         ZZ
                                         180        123,500.00          1
                                       6.625          1,084.32         95
                                       6.375          1,084.32
    CHEYENNE         WY   82009          5            11/12/02         01
    0415177377                           05           01/01/03         30
    0415177377                           O            12/01/17
    0


    8215355          E22/G02             F          241,600.00         ZZ
                                         180        241,600.00          1
                                       5.875          2,022.48         80
                                       5.625          2,022.48
    SAN MARCOS       TX   78666          5            11/13/02         00
    0415205004                           05           01/01/03          0
    0415205004                           O            12/01/17
    0


1


    8215371          E22/G02             F          128,100.00         ZZ
                                         180        128,100.00          1
                                       5.875          1,072.35         70
                                       5.625          1,072.35
    AVENTURA         FL   33180          5            11/12/02         00
    0415211358                           06           01/01/03          0
    0415211358                           O            12/01/17
    0


    8215391          E22/G02             F           65,000.00         ZZ
                                         180         65,000.00          2
                                       6.250            557.32         74
                                       6.000            557.32
    WESTVILLE        NJ   08093          5            11/13/02         00
    0415254655                           05           01/01/03          0
    0415254655                           O            12/01/17
    0


    8215441          E22/G02             F          158,000.00         ZZ
                                         180        158,000.00          1
                                       6.000          1,333.29         61
                                       5.750          1,333.29
    NEVADA CITY      CA   95959          5            11/12/02         00
    0415223114                           05           01/01/03          0
    0415223114                           N            12/01/17
    0


    8215445          E22/G02             F           86,000.00         ZZ
                                         180         86,000.00          1
                                       5.750            714.15         35
                                       5.500            714.15
    GRASS VALLEY     CA   95945          2            11/12/02         00
    0415224088                           05           01/01/03          0
    0415224088                           N            12/01/17
    0


    8215449          E22/G02             F           88,000.00         ZZ
                                         180         88,000.00          1
                                       5.750            730.76         36
                                       5.500            730.76
    GRASS VALLEY     CA   95945          5            11/12/02         00
    0415224682                           05           01/01/03          0
    0415224682                           N            12/01/17
    0


    8215535          E22/G02             F           32,000.00         ZZ
                                         180         32,000.00          1
                                       6.000            270.03         47
                                       5.750            270.03
1


    FRESNO           CA   93706          5            11/05/02         00
    0415309806                           05           01/01/03          0
    0415309806                           O            12/01/17
    0


    8215543          E22/G02             F          225,000.00         ZZ
                                         180        225,000.00          1
                                       5.500          1,838.44         79
                                       5.250          1,838.44
    SUGARLAND        TX   77478          5            11/12/02         00
    0415316231                           03           01/01/03          0
    0415316231                           O            12/01/17
    0


    8215781          L76/G02             F          125,500.00         ZZ
                                         180        125,500.00          1
                                       5.375          1,017.13         58
                                       5.125          1,017.13
    FARIBAULT        MN   55021          5            11/12/02         00
    0434983185                           05           01/01/03          0
    9507316                              O            12/01/17
    0


    8216293          E57/G02             F          172,500.00         ZZ
                                         180        172,500.00          2
                                       6.500          1,502.66         75
                                       6.250          1,502.66
    LOS ANGELES      CA   90018          5            11/05/02         00
    0435014527                           05           01/01/03          0
    06010274                             N            12/01/17
    0


    8216629          A21/G02             F          328,000.00         ZZ
                                         180        326,884.12          1
                                       6.125          2,790.05         50
                                       5.875          2,790.05
    ENGLEWOOD CLIFF  NJ   07632          2            10/25/02         00
    0434967014                           05           12/01/02          0
    0100133170                           O            11/01/17
    0


    8216671          642/G02             F          150,000.00         ZZ
                                         180        150,000.00          1
                                       5.875          1,255.68         58
                                       5.625          1,255.68
    SILVER SPRING    MD   20901          5            11/04/02         00
    0434951356                           05           01/01/03          0
    10-1010-02                           N            12/01/17
    0
1




    8216775          L20/G02             F          263,500.00         ZZ
                                         180        263,500.00          1
                                       5.750          2,188.13         65
                                       5.500          2,188.13
    SPARKS           NV   89436          2            11/11/02         00
    0434987830                           03           01/01/03          0
    1141080009                           O            12/01/17
    0


    8216817          K15/G02             F           70,200.00         ZZ
                                         180         70,200.00          1
                                       7.250            640.83         90
                                       7.000            640.83
    GUEYDAN          LA   70542          5            11/08/02         41
    0434991238                           05           01/01/03         12
    000805505242                         O            12/01/17
    0


    8216855          K15/G02             F          122,500.00         ZZ
                                         180        122,500.00          1
                                       7.250          1,118.26         95
                                       7.000          1,118.26
    MARYSVILLE       MI   48040          5            11/07/02         41
    0434969572                           05           01/01/03         25
    035205505093                         O            12/01/17
    0


    8216867          783/G02             F          345,000.00         ZZ
                                         180        343,801.00          1
                                       5.875          2,888.06         63
                                       5.625          2,888.06
    RAINIER          WA   98576          5            10/28/02         00
    0434989893                           05           12/01/02          0
    9420340005                           O            11/01/17
    0


    8217013          W35/G02             F           48,400.00         ZZ
                                         180         48,250.59          1
                                       7.250            441.83         74
                                       7.000            441.83
    GLEASON          WI   54435          5            10/31/02         00
    0434988432                           05           12/01/02          0
    14524                                N            11/01/17
    0


    8217439          N74/G02             F           72,000.00         ZZ
                                         180         72,000.00          1
1


                                       5.500            588.30         49
                                       5.250            588.30
    GOOSE CREEK      SC   29445          5            11/08/02         00
    0434989588                           05           01/01/03          0
    0031100010                           O            12/01/17
    0


    8218105          M37/G02             F          570,000.00         ZZ
                                         180        570,000.00          1
                                       5.750          4,733.34         52
                                       5.500          4,733.34
    FLAGSTAFF        AZ   86001          2            11/01/02         00
    0434997433                           03           01/01/03          0
    609832                               O            12/01/17
    0


    8218181          N74/G02             F          125,000.00         ZZ
                                         180        124,565.58          1
                                       5.875          1,046.40         90
                                       5.625          1,046.40
    CABOT            AR   72023          5            11/08/02         10
    0434955902                           05           12/14/02         25
    0031109010                           O            11/14/17
    0


    8218237          E22/G02             F          435,000.00         ZZ
                                         180        435,000.00          1
                                       5.875          3,641.47         78
                                       5.625          3,641.47
    PLANO            TX   75093          5            11/14/02         00
    0415244508                           03           01/01/03          0
    0415244508                           O            12/01/17
    0


    8218325          E22/G02             F          412,000.00         ZZ
                                         180        412,000.00          1
                                       5.750          3,421.29         80
                                       5.500          3,421.29
    SAINT PAUL       MN   55112          5            11/14/02         00
    0415382381                           05           01/01/03          0
    0415382381                           O            12/01/17
    0


    8218343          E22/G02             F          139,500.00         ZZ
                                         180        139,500.00          3
                                       6.250          1,196.10         88
                                       6.000          1,196.10
    NAUGATUCK        CT   06770          5            11/13/02         01
    0414908772                           05           01/01/03         12
1


    0414908772                           O            12/01/17
    0


    8218367          E22/G02             F           60,000.00         ZZ
                                         180         60,000.00          1
                                       6.375            518.55         48
                                       6.125            518.55
    STOCKTON         AL   36579          5            11/14/02         00
    0415051903                           05           01/01/03          0
    0415051903                           O            12/01/17
    0


    8218389          E22/G02             F          285,000.00         ZZ
                                         180        285,000.00          1
                                       5.750          2,366.67         80
                                       5.500          2,366.67
    WEST BLOOMFIELD  MI   48322          2            11/14/02         00
    0415202050                           05           01/01/03          0
    0415202050                           O            12/01/17
    0


    8218391          E22/G02             F          184,000.00         ZZ
                                         180        184,000.00          1
                                       5.875          1,540.30         80
                                       5.625          1,540.30
    WORLEY           ID   83876          5            11/11/02         00
    0415207091                           05           01/01/03          0
    0415207091                           O            12/01/17
    0


    8218411          E22/G02             F          182,000.00         ZZ
                                         180        182,000.00          4
                                       6.750          1,610.54         70
                                       6.500          1,610.54
    AUSTIN           TX   78724          5            11/19/02         00
    0415212836                           05           01/01/03          0
    0415212836                           N            12/01/17
    0


    8218437          E22/G02             F           70,600.00         ZZ
                                         180         70,600.00          1
                                       5.750            586.27         53
                                       5.500            586.27
    KALAMAZOO        MI   49006          2            11/14/02         00
    0415288729                           05           01/01/03          0
    0415288729                           O            12/01/17
    0


1


    8218449          E22/G02             F          142,500.00         ZZ
                                         180        142,500.00          1
                                       5.750          1,183.33         92
                                       5.500          1,183.33
    PALMYRA          NJ   08065          5            11/14/02         04
    0415293026                           05           01/01/03         25
    0415293026                           O            12/01/17
    0


    8218475          E22/G02             F          158,000.00         ZZ
                                         180        158,000.00          1
                                       5.875          1,322.65         52
                                       5.625          1,322.65
    LOS ANGELES      CA   90016          2            11/05/02         00
    0415388669                           05           01/01/03          0
    0415388669                           O            12/01/17
    0


    8218481          E22/G02             F          268,000.00         ZZ
                                         180        268,000.00          1
                                       5.750          2,225.50         77
                                       5.500          2,225.50
    ANN ARBOR        MI   48105          2            11/14/02         00
    0415399831                           05           01/01/03          0
    0415399831                           O            12/01/17
    0


    8218485          E22/G02             F           79,775.00         ZZ
                                         180         79,775.00          1
                                       6.000            673.19         80
                                       5.750            673.19
    TOPEKA           KS   66614          5            11/14/02         00
    0415405703                           05           01/01/03          0
    0415405703                           O            12/01/17
    0


    8218491          E22/G02             F          156,000.00         ZZ
                                         180        156,000.00          2
                                       6.125          1,326.97         80
                                       5.875          1,326.97
    IRVINGTON        NJ   07111          2            11/13/02         00
    0415413616                           05           01/01/03          0
    0415413616                           O            12/01/17
    0


    8219037          K15/G02             F           45,900.00         ZZ
                                         180         45,900.00          1
                                       6.875            409.36         90
                                       6.625            409.36
1


    MATHERVILLE      IL   61263          5            11/08/02         41
    0434971644                           05           01/01/03         12
    029405314851                         O            12/01/17
    0


    8219769          U05/G02             F          136,864.00         ZZ
                                         180        136,864.00          2
                                       5.500          1,118.29         50
                                       5.250          1,118.29
    ARVADA           CO   80002          2            11/08/02         00
    0434980983                           05           01/01/03          0
    3274480                              O            12/01/17
    0


    8219975          X07/G02             F           96,000.00         ZZ
                                         180         96,000.00          1
                                       6.250            823.13         80
                                       6.000            823.13
    OAK CREEK        WI   53154          1            11/20/02         00
    0435062062                           01           01/01/03          0
    6910000838                           O            12/01/17
    0


    8220019          601/G02             F          124,400.00         ZZ
                                         180        124,400.00          1
                                       5.875          1,041.38         88
                                       5.625          1,041.38
    KISSIMMEE        FL   34741          2            11/05/02         10
    0434956165                           05           01/01/03         25
    62105838                             O            12/01/17
    0


    8220539          975/G02             F           85,000.00         ZZ
                                         180         85,000.00          1
                                       6.000            717.28         46
                                       5.750            717.28
    LOS ANGELES      CA   91042          2            11/01/02         00
    0434956777                           05           01/01/03          0
    2024757                              O            12/01/17
    0


    8221213          E82/G02             F          131,000.00         ZZ
                                         180        131,000.00          1
                                       5.875          1,096.63         74
                                       5.625          1,096.63
    OXNARD           CA   93035          2            11/14/02         00
    0400715843                           05           01/01/03          0
    3298904                              O            12/01/17
    0
1




    8221219          E82/G02             F          233,000.00         ZZ
                                         180        233,000.00          1
                                       5.875          1,950.49         36
                                       5.625          1,950.49
    BENICIA          CA   94510          2            11/14/02         00
    0400727467                           05           01/01/03          0
    0400727467                           O            12/01/17
    0


    8221377          P09/G02             F          151,500.00         ZZ
                                         180        151,500.00          1
                                       5.500          1,237.88         45
                                       5.250          1,237.88
    SPRINGFIELD      VA   22153          2            11/13/02         00
    0435009501                           03           01/01/03          0
    R0210406                             O            12/01/17
    0


    8221395          A06/G02             F          392,000.00         ZZ
                                         180        392,000.00          1
                                       5.875          3,281.51         71
                                       5.625          3,281.51
    DEARBORN HEIGHT  MI   48127          2            11/11/02         00
    0434956579                           05           01/01/03          0
    021000020227251                      O            12/01/17
    0


    8221429          E86/G02             F          200,000.00         ZZ
                                         180        198,635.69          1
                                       6.125          1,701.25         60
                                       5.875          1,701.25
    MOUNT PROSPECT   IL   60056          1            09/26/02         00
    0434946018                           03           11/01/02          0
    0000218545                           O            10/01/17
    0


    8221501          N74/G02             F          109,800.00         ZZ
                                         180        109,800.00          1
                                       5.875            919.16         60
                                       5.625            919.16
    WOODBRIDGE       VA   22191          5            11/07/02         00
    0434966370                           05           01/01/03          0
    0031092010                           O            12/01/17
    0


    8221645          967/G02             F           90,000.00         ZZ
                                         180         90,000.00          1
1


                                       5.750            747.37         58
                                       5.500            747.37
    BEAVERTON        OR   97005          5            11/01/02         00
    0435005749                           05           01/01/03          0
    5683917                              O            12/01/17
    0


    8221703          N74/G02             F           57,000.00         ZZ
                                         180         57,000.00          1
                                       5.875            477.16         95
                                       5.625            477.16
    LITTLE ROCK      AR   72209          2            11/12/02         10
    0434975199                           05           01/01/03         30
    0031099010                           O            12/01/17
    0


    8221731          N34/G02             F          225,000.00         ZZ
                                         180        225,000.00          1
                                       5.625          1,853.40         57
                                       5.375          1,853.40
    SOUTH ELGIN      IL   60177          5            11/14/02         00
    0435005731                           03           01/01/03          0
    0626928                              O            12/01/17
    0


    8221815          N74/G02             F           77,000.00         ZZ
                                         180         76,729.54          1
                                       5.750            639.42         52
                                       5.500            639.42
    DALE             SC   29914          2            11/12/02         00
    0434992665                           05           12/18/02          0
    0031115010                           O            11/18/17
    0


    8221905          F36/G02             F           79,500.00         ZZ
                                         180         79,500.00          1
                                       5.875            665.51         75
                                       5.625            665.51
    OLYMPIA          WA   98503          2            11/14/02         00
    0434978763                           05           01/01/03          0
    06405419                             N            12/01/17
    0


    8222057          X67/G02             F          240,000.00         ZZ
                                         180        240,000.00          1
                                       6.250          2,057.81         75
                                       6.000          2,057.81
    WESTMINSTER      CA   92683          2            11/04/02         00
    0435005590                           05           01/01/03          0
1


    00280030                             N            12/01/17
    0


    8222065          X67/G02             F          190,000.00         ZZ
                                         180        190,000.00          1
                                       6.250          1,629.10         64
                                       6.000          1,629.10
    WESTMINSTER      CA   92683          2            11/04/02         00
    0435002845                           05           01/01/03          0
    00280029                             N            12/01/17
    0


    8222829          253/253             F          170,000.00         ZZ
                                         180        169,421.64          1
                                       6.125          1,446.07         73
                                       5.875          1,446.07
    WEST DES MOINES  IA   50265          2            10/31/02         00
    439933                               05           12/01/02          0
    439933                               O            11/01/17
    0


    8222859          K15/G02             F          119,000.00         ZZ
                                         180        119,000.00          1
                                       6.875          1,061.31         85
                                       6.625          1,061.31
    ROCKINGHAM       NC   28379          5            11/08/02         41
    0434971560                           05           01/01/03         12
    017305304995                         O            12/01/17
    0


    8222877          K15/G02             F           61,000.00         ZZ
                                         180         61,000.00          2
                                       6.250            523.03         24
                                       6.000            523.03
    LODI             NJ   07644          5            11/13/02         00
    0434989521                           05           01/01/03          0
    203505505036                         O            12/01/17
    0


    8222889          U05/G02             F          125,000.00         ZZ
                                         180        125,000.00          1
                                       6.000          1,054.82         63
                                       5.750          1,054.82
    HOUSTON          TX   77024          5            11/08/02         00
    0435058193                           03           01/01/03          0
    3276477                              O            12/01/17
    0


1


    8223139          405/405             F          438,700.00         ZZ
                                         180        437,175.36          1
                                       5.875          3,672.44         75
                                       5.500          3,672.44
    LINDENHURST      IL   60046          5            10/21/02         00
    0018944611                           03           12/01/02          0
    0018944611                           O            11/01/17
    0


    8223215          405/405             F          203,000.00         ZZ
                                         180        196,076.17          1
                                       6.375          1,754.43         71
                                       5.875          1,754.43
    EL CERRITO       CA   94530          5            01/08/02         00
    0019966696                           05           03/01/02          0
    0019966696                           O            02/01/17
    0


    8223377          940/G02             F          192,000.00         ZZ
                                         180        192,000.00          1
                                       5.625          1,581.56         48
                                       5.375          1,581.56
    PALMDALE         CA   93551          5            11/07/02         00
    0434977583                           05           01/01/03          0
    40021064                             O            12/01/17
    0


    8223679          E82/G02             F          235,000.00         ZZ
                                         180        235,000.00          1
                                       6.500          2,047.10         83
                                       6.250          2,047.10
    BISMARCK         ND   58503          2            11/18/02         04
    0400723441                           05           01/01/03         17
    0400723441                           O            12/01/17
    0


    8223703          E82/G02             F          247,000.00         ZZ
                                         180        247,000.00          1
                                       5.750          2,051.11         55
                                       5.500          2,051.11
    KATONAH          NY   10536          2            11/18/02         00
    0400718391                           05           01/01/03          0
    1835292                              O            12/01/17
    0


    8223705          E82/G02             F           90,100.00         ZZ
                                         180         90,100.00          1
                                       6.125            766.41         41
                                       5.875            766.41
1


    OCEANO           CA   93445          2            11/15/02         00
    0400701405                           01           01/01/03          0
    2876949                              O            12/01/17
    0


    8223905          E22/G02             F           40,000.00         ZZ
                                         180         40,000.00          1
                                       6.750            353.96         80
                                       6.500            353.96
    MEMPHIS          TN   38107          5            11/15/02         00
    0415192418                           05           01/01/03          0
    0415192418                           O            12/01/17
    0


    8223911          E22/G02             F          378,350.00         ZZ
                                         180        378,350.00          1
                                       5.750          3,141.86         42
                                       5.500          3,141.86
    BURLINGAME       CA   94010          2            11/13/02         00
    0415196724                           05           01/01/03          0
    0415196724                           O            12/01/17
    0


    8223917          E22/G02             F           62,400.00         ZZ
                                         180         62,400.00          1
                                       6.500            543.57         80
                                       6.250            543.57
    MEMPHIS          TN   38108          1            11/20/02         00
    0415209691                           05           01/01/03          0
    0415209691                           N            12/01/17
    0


    8223945          E22/G02             F          433,000.00         ZZ
                                         180        433,000.00          1
                                       5.750          3,595.68         78
                                       5.500          3,595.68
    SAMMAMISH        WA   98075          2            11/06/02         00
    0415236629                           03           01/01/03          0
    0415236629                           O            12/01/17
    0


    8223949          E22/G02             F          125,400.00         ZZ
                                         180        125,400.00          1
                                       5.750          1,041.33         95
                                       5.500          1,041.33
    LOS LUNAS        NM   87031          5            11/15/02         04
    0415237817                           05           01/01/03         25
    0415237817                           O            12/01/17
    0
1




    8224041          E22/G02             F           80,000.00         ZZ
                                         180         80,000.00          1
                                       5.875            669.69         68
                                       5.625            669.69
    LITTLE ROCK      AR   72211          5            11/15/02         00
    0415364603                           05           01/01/03          0
    0415364603                           O            12/01/17
    0


    8224053          E22/G02             F          140,000.00         ZZ
                                         180        140,000.00          1
                                       5.875          1,171.97         77
                                       5.625          1,171.97
    SPOKANE          WA   99223          1            11/13/02         00
    0415368489                           03           01/01/03          0
    0415368489                           O            12/01/17
    0


    8224155          E22/G02             F          113,500.00         ZZ
                                         180        113,500.00          1
                                       6.625            996.52         99
                                       6.375            996.52
    KANSAS CITY      MO   64151          2            11/15/02         10
    0415331206                           05           01/01/03         30
    0415331206                           O            12/01/17
    0


    8224173          E22/G02             F          383,000.00         ZZ
                                         180        383,000.00          1
                                       5.500          3,129.43         64
                                       5.250          3,129.43
    MILLSTONE TOWNS  NJ   07726          2            11/15/02         00
    0415351915                           05           01/01/03          0
    0415351915                           O            12/01/17
    0


    8224223          E22/G02             F           50,000.00         ZZ
                                         180         50,000.00          1
                                       7.000            449.41         24
                                       6.750            449.41
    MACON            GA   31216          5            11/20/02         00
    0415383116                           05           01/01/03          0
    0415383116                           N            12/01/17
    0


    8225017          T29/G02             F          160,000.00         ZZ
                                         180        160,000.00          1
1


                                       6.000          1,350.17         80
                                       5.750          1,350.17
    LAS VEGAS        NV   89130          2            11/07/02         00
    0434954582                           05           01/01/03          0
    1527572                              O            12/01/17
    0


    8225297          369/G02             F          190,230.00         ZZ
                                         180        189,568.87          1
                                       5.875          1,592.46         80
                                       5.625          1,592.46
    YUCAIPA          CA   92399          1            10/23/02         00
    0434996153                           03           12/01/02          0
    74515875                             O            11/01/17
    0


    8225327          369/G02             F          439,000.00         ZZ
                                         180        436,005.34          1
                                       6.125          3,734.25         80
                                       5.875          3,734.25
    BUTLER           PA   16001          5            09/18/02         00
    0435052733                           05           11/01/02          0
    0074426511                           O            10/01/17
    0


    8225733          U05/G02             F           45,500.00         ZZ
                                         180         45,500.00          1
                                       5.625            374.80         51
                                       5.375            374.80
    LUBBOCK          TX   79413          5            11/13/02         00
    0435008990                           05           01/01/03          0
    3274590                              O            12/01/17
    0


    8226771          964/G02             F          300,000.00         ZZ
                                         180        298,957.39          1
                                       5.875          2,511.36         58
                                       5.625          2,511.36
    SAN FRANCISCO    CA   94124          2            10/03/02         00
    0434953667                           09           12/01/02          0
    265817                               O            11/01/17
    0


    8226793          964/G02             F          100,000.00         ZZ
                                         180         99,648.76          1
                                       5.750            830.41         18
                                       5.500            830.41
    SAN FRANCISCO    CA   94116          2            09/26/02         00
    0434953691                           05           12/01/02          0
1


    267943                               O            11/01/17
    0


    8226831          964/G02             F          135,000.00         ZZ
                                         180        134,540.72          1
                                       6.125          1,148.34         32
                                       5.875          1,148.34
    SAN FRANCISCO    CA   94122          2            10/01/02         00
    0434953782                           07           12/01/02          0
    260252                               O            11/01/17
    0


    8226945          X75/G02             F          613,000.00         ZZ
                                         180        613,000.00          1
                                       5.750          5,090.41         80
                                       5.500          5,090.41
    RANCHO CUCMONGA  CA   91737          2            11/07/02         00
    0435039391                           05           01/01/03          0
    02100269                             O            12/01/17
    0


    8227017          624/G02             F          114,000.00         ZZ
                                         180        114,000.00          1
                                       5.875            954.32         57
                                       5.625            954.32
    SAN DIEGO        CA   92105          5            11/08/02         00
    0434962957                           05           01/01/03          0
    1000016710                           O            12/01/17
    0


    8227045          N47/G02             F          675,000.00         ZZ
                                         180        675,000.00          1
                                       5.875          5,650.55         50
                                       5.625          5,650.55
    LOS ANGELES      CA   90049          2            11/13/02         00
    0435043088                           05           01/01/03          0
    30500156                             O            12/01/17
    0


    8227145          964/G02             F          230,000.00         ZZ
                                         180        229,192.13          1
                                       5.750          1,909.95         37
                                       5.500          1,909.95
    SAN FRANCISCO    CA   94116          2            10/09/02         00
    0434953527                           05           12/01/02          0
    275445                               O            11/01/17
    0


1


    8227157          830/G02             F          272,000.00         ZZ
                                         180        271,034.00          1
                                       5.625          2,240.55         80
                                       5.375          2,240.55
    SALT LAKE CITY   UT   84121          5            11/01/02         00
    0435016878                           05           12/01/02          0
    02100216                             O            11/01/17
    0


    8227173          964/G02             F          228,200.00         ZZ
                                         180        227,381.33          1
                                       5.500          1,864.59         28
                                       5.250          1,864.59
    SEBASTOPOL       CA   95472          2            10/07/02         00
    0434953493                           05           12/01/02          0
    265610                               O            11/01/17
    0


    8227301          X08/G02             F          100,000.00         ZZ
                                         180        100,000.00          1
                                       5.875            837.12         61
                                       5.625            837.12
    SANDY            UT   84094          2            11/04/02         00
    0434995114                           07           01/01/03          0
    6015555                              N            12/01/17
    0


    8227661          E82/G02             F          115,600.00         ZZ
                                         180        115,600.00          1
                                       5.875            967.71         67
                                       5.625            967.71
    DENVER           CO   80231          2            11/19/02         00
    0400717583                           05           01/01/03          0
    1831794                              O            12/01/17
    0


    8227677          E82/G02             F          149,000.00         ZZ
                                         180        149,000.00          2
                                       5.750          1,237.31         73
                                       5.500          1,237.31
    RIDGEFIELD BORO  NJ   07657          2            11/19/02         00
    0400716676                           05           01/01/03          0
    1754876                              O            12/01/17
    0


    8227691          E82/G02             F           75,700.00         ZZ
                                         180         75,700.00          1
                                       6.000            638.80         38
                                       5.750            638.80
1


    COLORADO SPRING  CO   80910          2            11/20/02         00
    0400732897                           05           01/01/03          0
    1789961                              O            12/01/17
    0


    8227719          E82/G02             F           78,900.00         ZZ
                                         180         78,900.00          1
                                       5.750            655.19         88
                                       5.500            655.19
    JACKSONVILLE     FL   32207          2            11/08/02         04
    0400720298                           05           01/01/03         12
    5135206                              O            12/01/17
    0


    8227841          E22/G02             F          480,000.00         ZZ
                                         180        480,000.00          1
                                       5.750          3,985.97         80
                                       5.500          3,985.97
    PACIFICA         CA   94044          5            11/05/02         00
    0415175306                           05           01/01/03          0
    0415175306                           O            12/01/17
    0


    8227857          E22/G02             F          204,800.00         ZZ
                                         180        204,800.00          1
                                       5.625          1,687.00         79
                                       5.375          1,687.00
    SEDONA           AZ   86351          2            11/07/02         00
    0415206994                           05           01/01/03          0
    0415206994                           O            12/01/17
    0


    8227867          E22/G02             F          220,500.00         ZZ
                                         180        220,500.00          1
                                       6.875          1,966.54         75
                                       6.625          1,966.54
    FALLS CHURCH     VA   22043          5            11/21/02         00
    0415217140                           05           01/01/03          0
    0415217140                           N            12/01/17
    0


    8227921          E22/G02             F          280,000.00         ZZ
                                         180        280,000.00          1
                                       6.375          2,419.90         55
                                       6.125          2,419.90
    DALY CITY        CA   94015          5            11/12/02         00
    0415334515                           05           01/01/03          0
    0415334515                           O            12/01/17
    0
1




    8227945          E22/G02             F           47,250.00         ZZ
                                         180         47,250.00          4
                                       6.750            418.12         90
                                       6.500            418.12
    OKLAHOMA CITY    OK   73103          1            11/21/02         01
    0415372713                           05           01/01/03         25
    0415372713                           O            12/01/17
    0


    8227963          E22/G02             F          100,000.00         ZZ
                                         180        100,000.00          1
                                       5.875            837.12         79
                                       5.625            837.12
    EDMOND           OK   73003          2            11/21/02         00
    0415381896                           05           01/01/03          0
    0415381896                           N            12/01/17
    0


    8227983          E22/G02             F          135,900.00         ZZ
                                         180        135,900.00          1
                                       5.875          1,137.64         80
                                       5.625          1,137.64
    SUGAR LAND       TX   77479          1            11/21/02         00
    0415419258                           03           01/01/03          0
    0415419258                           O            12/01/17
    0


    8227985          E22/G02             F          320,000.00         ZZ
                                         180        320,000.00          4
                                       6.000          2,700.34         30
                                       5.750          2,700.34
    SAN FRANCISCO    CA   94118          2            11/14/02         00
    0415419282                           05           01/01/03          0
    0415419282                           N            12/01/17
    0


    8228023          E22/G02             F          195,000.00         ZZ
                                         180        195,000.00          1
                                       6.250          1,671.97         46
                                       6.000          1,671.97
    BURBANK          CA   91505          5            11/13/02         00
    0415490275                           05           01/01/03          0
    0415490275                           N            12/01/17
    0


    8228025          E22/G02             F          300,500.00         ZZ
                                         180        300,500.00          1
1


                                       5.875          2,515.54         49
                                       5.625          2,515.54
    GLENDALE         CA   91202          2            11/13/02         00
    0415490317                           05           01/01/03          0
    0415490317                           O            12/01/17
    0


    8228391          U05/G02             F           42,700.00         ZZ
                                         180         42,700.00          1
                                       6.750            377.86         35
                                       6.500            377.86
    BOZEMAN          MT   59718          5            11/05/02         00
    0435023429                           05           01/01/03          0
    3278627                              O            12/01/17
    0


    8228539          G51/G02             F          115,125.00         ZZ
                                         180        115,125.00          1
                                       6.875          1,026.75         75
                                       6.625          1,026.75
    GREENWOOD VILLA  CO   80111          5            11/21/02         00
    0435010418                           09           01/01/03          0
    20002331                             N            12/01/17
    0


    8229253          L76/G02             F          140,500.00         ZZ
                                         180        140,500.00          1
                                       5.625          1,157.34         76
                                       5.375          1,157.34
    COTTAGE GROVE    MN   55016          5            11/15/02         00
    0435000260                           05           01/01/03          0
    9507286                              O            12/01/17
    0


    8229345          G34/G02             F          142,400.00         ZZ
                                         180        142,400.00          1
                                       5.875          1,192.06         80
                                       5.625          1,192.06
    HENDERSON        NV   89015          2            11/14/02         00
    0434995973                           03           01/01/03          0
    39022224                             O            12/01/17
    0


    8229461          M27/G02             F          420,000.00         T
                                         180        420,000.00          1
                                       5.750          3,487.72         75
                                       5.500          3,487.72
    HUDDLESTON       VA   24104          2            11/13/02         00
    0435012372                           05           01/01/03          0
1


    600844952                            O            12/01/17
    0


    8229541          G34/G02             F          160,800.00         ZZ
                                         180        160,800.00          1
                                       5.875          1,346.09         74
                                       5.625          1,346.09
    CEDAR PARK       TX   78613          2            11/11/02         00
    0435000484                           03           01/01/03          0
    85209093                             O            12/01/17
    0


    8229605          P27/G02             F          128,500.00         ZZ
                                         180        128,500.00          1
                                       5.500          1,049.95         76
                                       5.250          1,049.95
    CLEARWATER       FL   33755          2            11/13/02         00
    0434967063                           05           01/01/03          0
    7701702989                           O            12/01/17
    0


    8230215          U35/G02             F          135,000.00         T
                                         180        135,000.00          1
                                       6.500          1,175.99         62
                                       6.250          1,175.99
    BRAINERD         MN   56401          5            11/19/02         00
    0434988861                           05           01/01/03          0
    0010125724                           O            12/01/17
    0


    8230299          G34/G02             F          235,000.00         ZZ
                                         180        235,000.00          1
                                       5.500          1,920.15         57
                                       5.250          1,920.15
    CHINO HILLS      CA   91709          2            11/18/02         00
    0435017132                           05           01/01/03          0
    41000615                             O            12/01/17
    0


    8230571          M27/G02             F          191,500.00         ZZ
                                         180        191,500.00          1
                                       5.625          1,577.45         72
                                       5.375          1,577.45
    CHARLOTTE        NC   28269          2            11/13/02         00
    0435026083                           03           01/01/03          0
    0100067054                           O            12/01/17
    0


1


    8230583          E82/G02             F           82,500.00         ZZ
                                         180         82,500.00          1
                                       5.875            690.62         51
                                       5.625            690.62
    POINT PLEASANT   NJ   08742          2            11/21/02         00
    0400730784                           05           01/01/03          0
    1741681                              O            12/01/17
    0


    8230593          E82/G02             F          171,000.00         ZZ
                                         180        171,000.00          1
                                       5.750          1,420.00         49
                                       5.500          1,420.00
    OCEANSIDE        CA   92057          2            11/18/02         00
    0400722385                           03           01/01/03          0
    1811682                              O            12/01/17
    0


    8230601          E82/G02             F           96,300.00         ZZ
                                         180         96,300.00          1
                                       5.875            806.15         64
                                       5.625            806.15
    MIAMI            FL   33135          2            11/21/02         00
    0400736989                           05           01/01/03          0
    1584522                              O            12/01/17
    0


    8230603          E82/G02             F           39,700.00         ZZ
                                         180         39,700.00          1
                                       6.750            351.31         80
                                       6.500            351.31
    GRANITE CITY     IL   62040          2            11/19/02         00
    0400736229                           05           01/01/03          0
    1571961                              N            12/01/17
    0


    8230621          E82/G02             F          103,400.00         ZZ
                                         180        103,400.00          1
                                       5.750            858.64         58
                                       5.500            858.64
    HILLSBOROUGH     NJ   08502          5            11/21/02         00
    0400739066                           09           01/01/03          0
    0400739066                           O            12/01/17
    0


    8230625          E82/G02             F           73,550.00         ZZ
                                         180         73,550.00          1
                                       5.875            615.70         67
                                       5.625            615.70
1


    LODI             CA   95240          2            11/18/02         00
    0400726253                           05           01/01/03          0
    1740803                              O            12/01/17
    0


    8230969          E22/G02             F           78,000.00         ZZ
                                         180         78,000.00          1
                                       6.500            679.46         80
                                       6.250            679.46
    PHOENIX          AZ   85029          2            11/14/02         00
    0415117332                           05           01/01/03          0
    0415117332                           N            12/01/17
    0


    8230983          E22/G02             F          488,000.00         ZZ
                                         180        488,000.00          1
                                       5.875          4,085.14         80
                                       5.625          4,085.14
    WASHINGTON TOWN  MI   48094          1            11/22/02         00
    0415192954                           05           01/01/03          0
    0415192954                           O            12/01/17
    0


    8230999          E22/G02             F          192,000.00         ZZ
                                         180        192,000.00          1
                                       6.500          1,672.53         80
                                       6.250          1,672.53
    MIAMI            FL   33175          5            11/18/02         00
    0415223387                           05           01/01/03          0
    0415223387                           O            12/01/17
    0


    8231001          E22/G02             F          175,200.00         ZZ
                                         180        175,200.00          1
                                       5.625          1,443.18         80
                                       5.375          1,443.18
    BALDWIN PARK     CA   91706          5            11/13/02         00
    0415223858                           05           01/01/03          0
    0415223858                           O            12/01/17
    0


    8231053          E22/G02             F          106,000.00         ZZ
                                         180        106,000.00          1
                                       5.750            880.23         58
                                       5.500            880.23
    BRUSH PRAIRIE    WA   98606          2            11/15/02         00
    0415321520                           27           01/01/03          0
    0415321520                           O            12/01/17
    0
1




    8231101          E22/G02             F           31,500.00         ZZ
                                         180         31,500.00          1
                                       6.875            280.93         58
                                       6.625            280.93
    INDIANAPOLIS     IN   46219          2            11/22/02         00
    0415370667                           05           01/01/03          0
    0415370667                           N            12/01/17
    0


    8231117          E22/G02             F           31,200.00         ZZ
                                         180         31,200.00          1
                                       6.875            278.26         55
                                       6.625            278.26
    INDIANAPOLIS     IN   46221          2            11/22/02         00
    0415384080                           05           01/01/03          0
    0415384080                           N            12/01/17
    0


    8231177          E22/G02             F           83,500.00         ZZ
                                         180         83,500.00          1
                                       5.875            698.99         57
                                       5.625            698.99
    SOUTH BEND       IN   46614          5            11/18/02         00
    0415463991                           05           01/01/03          0
    0415463991                           O            12/01/17
    0


    8231859          E47/G02             F          170,000.00         ZZ
                                         180        170,000.00          1
                                       5.625          1,400.34         36
                                       5.375          1,400.34
    MISSION VIEJO    CA   92692          2            11/05/02         00
    0435013958                           01           01/01/03          0
    7331014579                           O            12/01/17
    0


    8232597          420/G02             F          342,000.00         ZZ
                                         180        342,000.00          1
                                       5.875          2,862.95         63
                                       5.625          2,862.95
    SANTA ROSA       CA   95404          2            11/14/02         00
    0434978821                           03           01/01/03          0
    72004222                             O            12/01/17
    0


    8233133          P09/G02             F          181,500.00         ZZ
                                         180        181,500.00          1
1


                                       6.000          1,531.60         75
                                       5.750          1,531.60
    BELTSVILLE       MD   20705          5            11/19/02         00
    0435041520                           05           01/01/03          0
    MORENO                               O            12/01/17
    0


    8233223          N34/G02             F          103,000.00         ZZ
                                         180        103,000.00          2
                                       6.625            904.33         59
                                       6.375            904.33
    CHICAGO          IL   60623          5            11/18/02         00
    0435015409                           05           01/01/03          0
    7394934                              O            12/01/17
    0


    8233229          Q73/G02             F           42,500.00         ZZ
                                         180         42,500.00          1
                                       6.375            367.31         66
                                       6.125            367.31
    SLEDGE           MS   38670          2            11/13/02         00
    0435008305                           05           01/01/03          0
    2994868                              O            12/01/17
    0


    8233351          K15/G02             F          156,800.00         ZZ
                                         180        156,800.00          1
                                       5.500          1,281.19         80
                                       5.250          1,281.19
    MANCHESTER       NH   03104          5            11/08/02         00
    0435030499                           05           01/01/03          0
    033605505762                         O            12/01/17
    0


    8233353          P09/G02             F          259,000.00         ZZ
                                         180        259,000.00          1
                                       5.625          2,133.47         85
                                       5.375          2,133.47
    ARNOLD           MD   21012          2            11/25/02         10
    0435010889                           05           01/01/03         25
    R0210273                             O            12/01/17
    0


    8233377          X67/G02             F          138,000.00         ZZ
                                         180        138,000.00          2
                                       6.000          1,164.52         46
                                       5.750          1,164.52
    NORTH HOLLYWOOD  CA   91605          2            11/07/02         00
    0435012729                           05           01/01/03          0
1


    00280010                             O            12/01/17
    0


    8233487          N74/G02             F           42,400.00         ZZ
                                         180         42,400.00          1
                                       6.000            357.80         72
                                       5.750            357.80
    VAN BUREN        AR   72956          5            11/15/02         00
    0435027495                           05           01/01/03          0
    0031121010                           O            12/01/17
    0


    8233555          144/144             F           54,000.00         ZZ
                                         180         54,000.00          2
                                       5.750            448.42         54
                                       5.500            448.42
    POUGHKEEPSIE     NY   12601          2            11/04/02         00
    160702902                            05           01/01/03          0
    160702902                            O            12/01/17
    0


    8233813          K15/G02             F          147,700.00         ZZ
                                         180        147,700.00          1
                                       7.000          1,327.57         95
                                       6.750          1,327.57
    WARREN           VT   05674          5            11/09/02         41
    0435030465                           01           01/01/03         25
    037105503862                         O            12/01/17
    0


    8234261          F36/G02             F          147,500.00         ZZ
                                         180        147,500.00          1
                                       6.000          1,244.69         78
                                       5.750          1,244.69
    OLYMPIA          WA   98502          2            11/13/02         00
    0434988184                           05           01/01/03          0
    06405460                             O            12/01/17
    0


    8234853          E82/G02             F           77,000.00         ZZ
                                         180         77,000.00          1
                                       5.875            644.58         60
                                       5.625            644.58
    STILLWATER       MN   55082          2            11/22/02         00
    0400718607                           05           01/01/03          0
    4272508                              N            12/01/17
    0


1


    8234865          E82/G02             F           59,350.00         ZZ
                                         180         59,350.00          2
                                       6.125            504.85         60
                                       5.875            504.85
    CHALMETTE        LA   70043          2            11/26/02         00
    0400725180                           05           01/01/03          0
    1877343                              N            12/01/17
    0


    8234887          E82/G02             F           70,200.00         ZZ
                                         180         70,200.00          1
                                       6.625            616.35         65
                                       6.375            616.35
    ELLENSBURG       WA   98926          2            11/22/02         00
    0400719910                           05           01/01/03          0
    1673400                              N            12/01/17
    0


    8234889          E82/G02             F           65,600.00         ZZ
                                         180         65,600.00          4
                                       6.250            562.47         61
                                       6.000            562.47
    WESTLAND         MI   48186          2            11/26/02         00
    0400723433                           05           01/01/03          0
    1843686                              N            12/01/17
    0


    8234891          E82/G02             F           54,400.00         ZZ
                                         180         54,400.00          2
                                       6.250            466.44         64
                                       6.000            466.44
    WESTLAND         MI   48186          2            11/26/02         00
    0400723508                           05           01/01/03          0
    1689154                              N            12/01/17
    0


    8234893          E82/G02             F           67,000.00         ZZ
                                         180         67,000.00          4
                                       6.250            574.47         63
                                       6.000            574.47
    WESTLAND         MI   48186          2            11/26/02         00
    0400723474                           05           01/01/03          0
    2882767                              N            12/01/17
    0


    8234895          E82/G02             F           89,500.00         T
                                         180         89,500.00          1
                                       6.125            761.31         55
                                       5.875            761.31
1


    MONROE TOWNSHIP  NJ   08512          2            11/23/02         00
    0400716775                           01           01/01/03          0
    1668823                              O            12/01/17
    0


    8234901          E82/G02             F           66,500.00         ZZ
                                         180         66,500.00          1
                                       6.250            570.19         66
                                       6.000            570.19
    GREENACRES       FL   33463          2            11/22/02         00
    0400714887                           05           01/01/03          0
    1594641                              N            12/01/17
    0


    8234905          E82/G02             F          121,700.00         T
                                         180        121,700.00          1
                                       5.875          1,018.77         80
                                       5.625          1,018.77
    DAVENPORT        FL   33837          2            11/08/02         00
    0400704011                           05           01/01/03          0
    1857849                              O            12/01/17
    0


    8234917          E82/G02             F          271,400.00         ZZ
                                         180        271,400.00          1
                                       5.875          2,271.94         72
                                       5.625          2,271.94
    ROSEVILLE        MN   55113          2            11/20/02         00
    0400730388                           05           01/01/03          0
    1814878                              O            12/01/17
    0


    8234925          E82/G02             F           73,850.00         ZZ
                                         180         73,850.00          2
                                       6.125            628.19         67
                                       5.875            628.19
    LODI             OH   44254          2            11/22/02         00
    0400720306                           05           01/01/03          0
    1667718                              N            12/01/17
    0


    8234927          E82/G02             F           55,750.00         ZZ
                                         180         55,750.00          1
                                       5.875            466.69         62
                                       5.625            466.69
    DECATUR          GA   30032          2            11/14/02         00
    0400713194                           05           01/01/03          0
    1570469                              N            12/01/17
    0
1




    8234931          E82/G02             F          213,000.00         ZZ
                                         180        213,000.00          2
                                       6.125          1,811.83         69
                                       5.875          1,811.83
    CHICAGO          IL   60625          5            11/20/02         00
    0400720595                           05           01/01/03          0
    0400720595                           O            12/01/17
    0


    8234957          K60/G02             F           42,980.00         ZZ
                                         180         42,980.00          1
                                       6.500            374.40         94
                                       6.250            374.40
    WINTER GARDEN    FL   34787          2            11/11/02         04
    0435028238                           01           01/01/03         25
    71535                                O            12/01/17
    0


    8235027          E22/G02             F          287,973.00         ZZ
                                         180        287,973.00          1
                                       6.500          2,508.55         78
                                       6.250          2,508.55
    KENT             WA   98042          5            11/08/02         00
    0415275478                           05           01/01/03          0
    0415275478                           O            12/01/17
    0


    8235043          E22/G02             F          256,000.00         ZZ
                                         180        256,000.00          1
                                       6.000          2,160.27         80
                                       5.750          2,160.27
    DAVIE            FL   33325          5            11/19/02         00
    0415285758                           05           01/01/03          0
    0415285758                           O            12/01/17
    0


    8235123          E22/G02             F           64,000.00         ZZ
                                         180         64,000.00          1
                                       5.375            518.70         72
                                       5.125            518.70
    LAWTON           OK   73505          2            11/19/02         00
    0415375583                           05           01/01/03          0
    0415375583                           O            12/01/17
    0


    8235267          E22/G02             F           74,000.00         ZZ
                                         180         74,000.00          1
1


                                       5.750            614.50         75
                                       5.500            614.50
    POCAHONTAS       IL   62275          2            11/20/02         00
    0414980516                           05           01/01/03          0
    0414980516                           O            12/01/17
    0


    8235361          E22/G02             F          116,400.00         ZZ
                                         180        116,400.00          4
                                       6.500          1,013.97         56
                                       6.250          1,013.97
    DALLAS           TX   75240          2            11/21/02         00
    0415306547                           05           01/01/03          0
    0415306547                           N            12/01/17
    0


    8235367          E22/G02             F          137,000.00         ZZ
                                         180        137,000.00          4
                                       6.500          1,193.42         65
                                       6.250          1,193.42
    DALLAS           TX   75240          2            11/21/02         00
    0415308055                           05           01/01/03          0
    0415308055                           N            12/01/17
    0


    8235369          E22/G02             F          116,100.00         ZZ
                                         180        116,100.00          4
                                       6.500          1,011.36         55
                                       6.250          1,011.36
    DALLAS           TX   75240          2            11/21/02         00
    0415308071                           05           01/01/03          0
    0415308071                           N            12/01/17
    0


    8235389          E22/G02             F           50,250.00         ZZ
                                         180         50,250.00          1
                                       6.625            441.19         75
                                       6.375            441.19
    MIDFIELD         AL   35228          2            11/25/02         00
    0415319425                           05           01/01/03          0
    0415319425                           N            12/01/17
    0


    8235399          E22/G02             F          145,500.00         ZZ
                                         180        145,500.00          1
                                       6.375          1,257.48         79
                                       6.125          1,257.48
    DALLAS           TX   75214          5            11/14/02         00
    0415324557                           05           01/01/03          0
1


    0415324557                           O            12/01/17
    0


    8235441          E22/G02             F          120,000.00         ZZ
                                         180        120,000.00          1
                                       5.625            988.48         78
                                       5.375            988.48
    EUGENE           OR   97404          5            11/14/02         00
    0415384569                           05           01/01/03          0
    0415384569                           O            12/01/17
    0


    8235447          E22/G02             F           55,000.00         ZZ
                                         180         55,000.00          1
                                       6.375            475.34         44
                                       6.125            475.34
    PORT ISABEL      TX   78578          5            11/20/02         00
    0415390806                           05           01/01/03          0
    0415390806                           O            12/01/17
    0


    8235459          E22/G02             F           96,600.00         ZZ
                                         180         96,600.00          1
                                       5.875            808.66         63
                                       5.625            808.66
    GARLAND          TX   75044          2            11/18/02         00
    0415397066                           05           01/01/03          0
    0415397066                           O            12/01/17
    0


    8235513          E22/G02             F           86,400.00         ZZ
                                         180         86,400.00          1
                                       5.875            723.27         80
                                       5.625            723.27
    MEMPHIS          TN   38134          2            11/20/02         00
    0415469279                           05           01/01/03          0
    0415469279                           O            12/01/17
    0


    8235533          G27/G02             F          131,000.00         ZZ
                                         180        131,000.00          1
                                       5.750          1,087.84         79
                                       5.500          1,087.84
    SHAFTER          CA   93263          5            11/15/02         00
    0435012356                           05           01/01/03          0
    22802075                             O            12/01/17
    0


1


    8235595          W35/G02             F           77,800.00         ZZ
                                         180         77,800.00          1
                                       5.625            640.86         64
                                       5.375            640.86
    INDIANAPOLIS     IN   46236          2            11/19/02         00
    0434993556                           05           01/01/03          0
    14730                                O            12/01/17
    0


    8235825          Q73/G02             F           56,050.00         ZZ
                                         180         56,050.00          1
                                       5.625            461.70         64
                                       5.375            461.70
    CALEDONIA        MS   39740          2            11/12/02         00
    0434997409                           05           01/01/03          0
    2988861                              O            12/01/17
    0


    8236453          883/G02             F           95,000.00         ZZ
                                         180         95,000.00          3
                                       6.750            840.66         66
                                       6.500            840.66
    KISSIMMEE        FL   32741          2            11/18/02         00
    0434988689                           05           01/01/03          0
    05018695                             N            12/01/17
    0


    8237371          286/286             F           79,500.00         ZZ
                                         180         79,217.79          1
                                       5.625            654.87         75
                                       5.375            654.87
    DAYTON           OH   45459          2            10/11/02         00
    1552484                              05           12/01/02          0
    1552484                              N            11/01/17
    0


    8237373          286/286             F          259,000.00         ZZ
                                         180        257,233.22          4
                                       6.125          2,203.12         44
                                       5.875          2,203.12
    WASHINGTON       DC   20007          2            10/02/02         00
    1532813                              05           11/01/02          0
    1532813                              N            10/01/17
    0


    8237377          286/286             F          150,000.00         ZZ
                                         180        149,050.76          3
                                       7.000          1,348.24         37
                                       6.750          1,348.24
1


    NEPTUNE BEACH    FL   32266          5            09/05/02         00
    1538739                              05           11/01/02          0
    1538739                              O            10/01/17
    0


    8237379          286/286             F           91,900.00         ZZ
                                         180         91,214.52          1
                                       5.750            763.15         80
                                       5.500            763.15
    TOLEDO           OH   43623          1            09/30/02         00
    1584714                              05           11/01/02          0
    1584714                              O            10/01/17
    0


    8237383          286/286             F          365,000.00         ZZ
                                         180        363,717.96          1
                                       5.750          3,031.00         73
                                       5.500          3,031.00
    CHINO HILLS      CA   91709          5            10/02/02         00
    1562837                              05           12/01/02          0
    1562837                              O            11/01/17
    0


    8237385          286/286             F          190,000.00         ZZ
                                         180        188,635.15          1
                                       5.625          1,565.10         44
                                       5.375          1,565.10
    MIAMI            FL   33134          2            09/23/02         00
    1530525                              05           11/01/02          0
    1530525                              O            10/01/17
    0


    8237387          286/286             F           58,500.00         ZZ
                                         180         57,898.32          1
                                       5.750            485.79         54
                                       5.500            485.79
    TOLEDO           OH   43613          2            09/27/02         00
    1584414                              05           11/01/02          0
    1584414                              O            10/01/17
    0


    8237389          286/286             F          161,850.00         ZZ
                                         180        161,269.36          1
                                       5.500          1,322.45         61
                                       5.250          1,322.45
    ROUND ROCK       TX   78681          2            10/09/02         00
    1646508                              03           12/01/02          0
    1646508                              O            11/01/17
    0
1




    8237393          286/286             F           44,100.00         ZZ
                                         180         43,887.25          3
                                       6.750            390.25         90
                                       6.500            390.25
    DODGE CITY       KS   67801          1            10/18/02         11
    1591274                              05           12/01/02         12
    1591274                              N            11/01/17
    0


    8237395          286/286             F          154,000.00         ZZ
                                         180        151,944.36          1
                                       6.125          1,309.96         77
                                       5.875          1,309.96
    INDIANAPOLIS     IN   46239          2            09/27/02         00
    1515100                              05           11/01/02          0
    1515100                              O            10/01/17
    0


    8237397          286/286             F           56,250.00         ZZ
                                         180         55,849.92          1
                                       5.750            467.11         75
                                       5.500            467.11
    ELIZABETHTOWN    KY   42701          2            09/27/02         00
    1579226                              05           11/01/02          0
    1579226                              N            10/01/17
    0


    8237399          286/286             F          200,000.00         ZZ
                                         180        199,297.50          1
                                       5.750          1,660.83         47
                                       5.500          1,660.83
    PLAINSBORO       NJ   08536          2            10/07/02         00
    1589131                              03           12/01/02          0
    1589131                              O            11/01/17
    0


    8237401          286/286             F          146,250.00         ZZ
                                         180        145,219.72          2
                                       6.500          1,274.00         65
                                       6.250          1,274.00
    PITTSBURG        CA   94565          5            09/16/02         00
    1114197                              05           11/01/02          0
    1114197                              N            10/01/17
    0


    8237403          286/286             F          250,400.00         ZZ
                                         180        249,520.48          1
1


                                       5.750          2,079.35         41
                                       5.500          2,079.35
    NORWALK          OH   44857          2            10/10/02         00
    1559577                              05           12/01/02          0
    1559577                              O            11/01/17
    0


    8237407          286/286             F           22,400.00         ZZ
                                         180         22,243.92          2
                                       5.875            187.52         80
                                       5.625            187.52
    GREENVILLE       SC   29609          1            09/30/02         00
    1597340                              05           11/01/02          0
    1597340                              N            10/01/17
    0


    8237409          286/286             F          300,000.00         T
                                         180        293,253.90          1
                                       5.875          2,511.36         43
                                       5.625          2,511.36
    COROLLA          NC   27927          5            08/28/02         00
    1550468                              03           10/01/02          0
    1550468                              O            09/01/17
    0


    8237411          286/286             F          160,125.00         ZZ
                                         180        159,586.03          1
                                       6.250          1,372.95         70
                                       6.000          1,372.95
    PITTSBURGH       PA   15232          2            10/04/02         00
    1484444                              05           12/01/02          0
    1484444                              N            11/01/17
    0


    8237415          286/286             F           69,100.00         ZZ
                                         180         68,633.62          2
                                       6.250            592.48         31
                                       6.000            592.48
    AUSTIN           TX   78704          5            09/12/02         00
    1517678                              05           11/01/02          0
    1517678                              N            10/01/17
    0


    8237419          286/286             F           80,000.00         T
                                         180         79,724.91          1
                                       6.000            675.09         44
                                       5.750            675.09
    CHARLEVOIX       MI   49720          2            10/10/02         00
    1417175                              05           12/01/02          0
1


    1417175                              O            11/01/17
    0


    8237423          286/286             F           85,000.00         ZZ
                                         180         84,707.72          1
                                       6.000            717.28         46
                                       5.750            717.28
    BLOOMFIELD TWP   MI   48302          5            10/10/02         00
    1505037                              05           12/01/02          0
    1505037                              O            11/01/17
    0


    8237429          286/286             F           25,500.00         ZZ
                                         180         25,327.15          1
                                       7.000            229.21         75
                                       6.750            229.21
    NORRIS CITY      IL   62869          1            09/30/02         00
    1491924                              05           11/01/02          0
    1491924                              N            10/01/17
    0


    8237433          286/286             F           72,900.00         ZZ
                                         180         72,402.70          1
                                       6.125            620.11         90
                                       5.875            620.11
    TUCSON           AZ   85710          1            09/23/02         10
    1572791                              05           11/01/02         25
    1572791                              O            10/01/17
    0


    8237441          286/286             F          364,500.00         ZZ
                                         180        362,013.55          1
                                       6.125          3,100.53         73
                                       5.875          3,100.53
    MESA             AZ   85207          2            09/23/02         00
    1606843                              03           11/01/02          0
    1606843                              O            10/01/17
    0


    8237445          286/286             F          351,000.00         ZZ
                                         180        348,357.44          1
                                       5.750          2,914.74         80
                                       5.500          2,914.74
    IRVINE           CA   92606          1            09/24/02         00
    1588149                              03           11/01/02          0
    1588149                              O            10/01/17
    0


1


    8237449          286/286             F          408,000.00         ZZ
                                         180        405,126.97          1
                                       5.750          3,388.08         80
                                       5.500          3,388.08
    LINCOLNSHIRE     IL   60069          2            09/27/02         00
    1588763                              05           11/01/02          0
    1588763                              O            10/01/17
    0


    8237453          286/286             F           44,400.00         ZZ
                                         180         44,090.61          1
                                       5.875            371.69         60
                                       5.625            371.69
    MAUMEE           OH   43537          2            09/27/02         00
    1520971                              05           11/01/02          0
    1520971                              N            10/01/17
    0


    8237455          286/286             F           53,500.00         ZZ
                                         180         53,131.14          1
                                       6.000            451.47         61
                                       5.750            451.47
    WATERVILLE       OH   43566          2            09/27/02         00
    1520973                              05           11/01/02          0
    1520973                              N            10/01/17
    0


    8237463          286/286             F           68,000.00         ZZ
                                         180         67,531.17          1
                                       6.000            573.83         73
                                       5.750            573.83
    MAUMEE           OH   43537          2            09/27/02         00
    1520976                              05           11/01/02          0
    1520976                              N            10/01/17
    0


    8237465          286/286             F          114,000.00         ZZ
                                         120        113,318.42          2
                                       6.375          1,287.21         40
                                       6.125          1,287.21
    NEW BRUNSWICK    NJ   08901          2            10/15/02         00
    935704                               05           12/01/02          0
    935704                               N            11/01/12
    0


    8237469          286/286             F          177,100.00         ZZ
                                         180        176,510.25          2
                                       6.375          1,530.59         70
                                       6.125          1,530.59
1


    NEW BRUNSWICK    NJ   08901          5            10/15/02         00
    935706                               05           12/01/02          0
    935706                               N            11/01/17
    0


    8237473          286/286             F           75,000.00         ZZ
                                         180         74,733.76          1
                                       5.625            617.80         74
                                       5.375            617.80
    ALEXANDRIA       VA   22304          2            10/10/02         00
    1594329                              01           12/01/02          0
    1594329                              O            11/01/17
    0


    8237479          286/286             F          200,000.00         ZZ
                                         180        198,804.93          1
                                       5.875          1,674.24         36
                                       5.625          1,674.24
    PARK RIDGE       IL   60068          2            10/02/02         00
    1529944                              05           12/01/02          0
    1529944                              O            11/01/17
    0


    8237487          286/286             F           50,000.00         ZZ
                                         180         49,638.79          2
                                       6.750            442.46         47
                                       6.500            442.46
    CLEVELAND        OH   44144          2            10/08/02         00
    1564037                              05           12/01/02          0
    1564037                              N            11/01/17
    0


    8237491          286/286             F          650,000.00         ZZ
                                         180        645,374.42          1
                                       5.625          5,354.26         56
                                       5.375          5,354.26
    FAIRFIELD        CT   06430          2            09/27/02         00
    1572360                              05           11/01/02          0
    1572360                              O            10/01/17
    0


    8237495          286/286             F          262,000.00         ZZ
                                         180        260,135.54          1
                                       5.625          2,158.18         74
                                       5.375          2,158.18
    FRAMINGHAM       MA   01701          2            09/27/02         00
    1555365                              05           11/01/02          0
    1555365                              O            10/01/17
    0
1




    8237497          286/286             F          107,200.00         ZZ
                                         180        106,831.38          4
                                       6.000            904.62         80
                                       5.750            904.62
    MANSFIELD        OH   44903          1            10/08/02         00
    1593339                              05           12/01/02          0
    1593339                              N            11/01/17
    0


    8237507          286/286             F           77,600.00         ZZ
                                         180         77,036.04          1
                                       5.375            628.93         80
                                       5.125            628.93
    SACHSE           TX   75048          1            09/23/02         00
    1465991                              05           11/01/02          0
    1465991                              N            10/01/17
    0


    8237511          286/286             F          352,500.00         ZZ
                                         180        351,261.86          1
                                       5.750          2,927.20         37
                                       5.500          2,927.20
    SUFFOLK          VA   23435          2            10/04/02         00
    1625428                              03           12/01/02          0
    1625428                              O            11/01/17
    0


    8237519          286/286             F          153,000.00         ZZ
                                         180        151,933.92          1
                                       5.875          1,280.80         54
                                       5.625          1,280.80
    CINCINNATI       OH   45244          2            09/26/02         00
    1533010                              05           11/01/02          0
    1533010                              O            10/01/17
    0


    8237523          286/286             F           91,250.00         ZZ
                                         180         90,406.96          1
                                       5.750            757.75         42
                                       5.500            757.75
    PHOENIXVILLE     PA   19460          2            09/25/02         00
    1546155                              05           11/01/02          0
    1546155                              O            10/01/17
    0


    8237525          286/286             F          394,000.00         ZZ
                                         180        391,225.57          1
1


                                       5.750          3,271.82         48
                                       5.500          3,271.82
    SAN CARLOS       CA   94070          2            09/20/02         00
    1537937                              05           11/01/02          0
    1537937                              O            10/01/17
    0


    8237531          286/286             F          529,500.00         ZZ
                                         180        526,039.07          1
                                       6.625          4,648.98         38
                                       6.375          4,648.98
    ST GEORGE ISLAN  FL   32328          2            09/25/02         00
    1463675                              03           11/01/02          0
    1463675                              N            10/01/17
    0


    8237533          286/286             F          244,000.00         ZZ
                                         180        242,387.96          1
                                       6.500          2,125.51         19
                                       6.250          2,125.51
    ST GEORGE ISLAN  FL   32328          2            09/25/02         00
    1463713                              05           11/01/02          0
    1463713                              N            10/01/17
    0


    8237537          286/286             F          443,000.00         ZZ
                                         180        439,913.29          1
                                       5.875          3,708.44         54
                                       5.625          3,708.44
    REDWOOD CITY     CA   94065          2            09/25/02         00
    1561341                              03           11/01/02          0
    1561341                              N            10/01/17
    0


    8237543          286/286             F           63,400.00         ZZ
                                         180         62,883.99          1
                                       5.625            522.25         52
                                       5.375            522.25
    KNOXVILLE        TN   37938          2            09/25/02         00
    1574850                              05           11/01/02          0
    1574850                              O            10/01/17
    0


    8237547          286/286             F          180,000.00         ZZ
                                         180        178,785.10          1
                                       6.250          1,543.37         72
                                       6.000          1,543.37
    HEATHROW         FL   32746          5            09/26/02         00
    1514804                              03           11/01/02          0
1


    1514804                              N            10/01/17
    0


    8237551          286/286             F          102,000.00         T
                                         180        101,649.26          1
                                       6.000            860.74         69
                                       5.750            860.74
    ROYAL PALM BEAC  FL   33411          5            10/04/02         00
    1411477                              05           12/01/02          0
    1411477                              O            11/01/17
    0


    8237559          286/286             F          300,000.00         ZZ
                                         180        297,739.54          1
                                       6.000          2,531.58         69
                                       5.750          2,531.58
    CLIFFSIDE PARK   NJ   07010          5            09/30/02         00
    1512110                              05           11/01/02          0
    1512110                              O            10/01/17
    0


    8237563          286/286             F          100,000.00         ZZ
                                         180         96,295.56          1
                                       6.000            843.86         45
                                       5.750            843.86
    AUSTIN           TX   78722          5            09/30/02         00
    1540809                              05           11/01/02          0
    1540809                              N            10/01/17
    0


    8237567          286/286             F          309,000.00         ZZ
                                         180        307,914.66          1
                                       5.750          2,565.97         79
                                       5.500          2,565.97
    MAGNA            UT   84044          5            10/14/02         00
    1637542                              03           12/01/02          0
    1637542                              O            11/01/17
    0


    8237571          286/286             F           71,250.00         ZZ
                                         180         70,189.32          3
                                       6.500            620.67         80
                                       6.250            620.67
    EASTON           PA   18042          2            09/26/02         00
    1595541                              05           11/01/02          0
    1595541                              N            10/01/17
    0


1


    8237575          286/286             F           54,000.00         ZZ
                                         180         53,419.73          1
                                       5.750            448.43         45
                                       5.500            448.43
    CENTRALIA        WA   98531          2            09/23/02         00
    1253675                              05           11/01/02          0
    1253675                              N            10/01/17
    0


    8237579          286/286             F           53,250.00         ZZ
                                         180         52,674.34          1
                                       5.750            442.20         50
                                       5.500            442.20
    CENTRALIA        WA   98531          2            09/17/02         00
    1253677                              05           11/01/02          0
    1253677                              N            10/01/17
    0


    8237583          286/286             F           84,500.00         ZZ
                                         180         83,929.66          1
                                       6.250            724.53         43
                                       6.000            724.53
    LA PUENTE        CA   91744          2            09/26/02         00
    1555290                              05           11/01/02          0
    1555290                              N            10/01/17
    0


    8237587          286/286             F           97,000.00         ZZ
                                         180         96,345.30          1
                                       6.250            831.71         54
                                       6.000            831.71
    LA HABRA         CA   90631          2            09/26/02         00
    1555334                              01           11/01/02          0
    1555334                              N            10/01/17
    0


    8237607          286/286             F          650,000.00         ZZ
                                         180        647,764.93          1
                                       6.000          5,485.07         65
                                       5.750          5,485.07
    MOUNT PLEASANT   NY   10570          2            10/08/02         00
    1543169                              05           12/01/02          0
    1543169                              O            11/01/17
    0


    8237617          286/286             F          176,800.00         ZZ
                                         180        176,185.55          1
                                       5.875          1,480.03         80
                                       5.625          1,480.03
1


    UPLAND           CA   91786          5            10/09/02         00
    1644821                              05           12/01/02          0
    1644821                              O            11/01/17
    0


    8237621          286/286             F          428,000.00         ZZ
                                         180        426,529.17          1
                                       6.250          3,669.78         80
                                       6.000          3,669.78
    LODI             CA   95240          5            10/09/02         00
    1470021                              05           12/01/02          0
    1470021                              O            11/01/17
    0


    8237625          286/286             F          126,400.00         ZZ
                                         180        125,496.70          1
                                       5.750          1,049.64         80
                                       5.500          1,049.64
    RENO             NV   89502          5            09/18/02         00
    1545881                              05           11/01/02          0
    1545881                              O            10/01/17
    0


    8237629          286/286             F           45,500.00         ZZ
                                         180         45,343.54          2
                                       6.000            383.96         70
                                       5.750            383.96
    MUNCIE           IN   47302          2            10/08/02         00
    1576799                              05           12/01/02          0
    1576799                              N            11/01/17
    0


    8237633          286/286             F          342,000.00         ZZ
                                         180        339,602.88          1
                                       6.125          2,909.14         51
                                       5.875          2,909.14
    SAN JOSE         CA   95133          2            09/23/02         00
    1116433                              05           11/01/02          0
    1116433                              O            10/01/17
    0


    8237637          286/286             F          192,500.00         ZZ
                                         180        191,862.82          4
                                       6.500          1,676.89         70
                                       6.250          1,676.89
    AUSTIN           TX   78704          5            10/17/02         00
    1578424                              05           12/01/02          0
    1578424                              N            11/01/17
    0
1




    8237641          286/286             F          528,000.00         ZZ
                                         180        526,165.01          1
                                       5.875          4,419.99         79
                                       5.625          4,419.99
    SACRAMENTO       CA   95818          5            10/10/02         00
    1606794                              05           12/01/02          0
    1606794                              O            11/01/17
    0


    8237647          286/286             F           78,700.00         ZZ
                                         180         78,174.45          1
                                       6.375            680.17         75
                                       6.125            680.17
    SACRAMENTO       CA   95824          5            09/25/02         00
    1116429                              05           11/01/02          0
    1116429                              N            10/01/17
    0


    8237653          286/286             F          174,000.00         ZZ
                                         180        173,382.33          1
                                       5.625          1,433.30         75
                                       5.375          1,433.30
    PORTLAND         OR   97219          5            10/17/02         00
    1661189                              05           12/01/02          0
    1661189                              O            11/01/17
    0


    8237657          286/286             F          526,350.00         ZZ
                                         180        522,797.49          1
                                       6.250          4,513.05         78
                                       6.000          4,513.05
    GEORGETOWN       TX   78628          2            09/24/02         00
    1555767                              05           11/01/02          0
    1555767                              O            10/01/17
    0


    8237661          286/286             F          243,000.00         ZZ
                                         180        242,146.48          1
                                       5.750          2,017.90         60
                                       5.500          2,017.90
    ROCKVILLE        MD   20850          2            10/16/02         00
    0001252654                           03           12/01/02          0
    0001252654                           N            11/01/17
    0


    8237665          286/286             F           48,000.00         ZZ
                                         180         47,831.40          1
1


                                       5.750            398.60         80
                                       5.500            398.60
    VIRGINIA BEACH   VA   23454          1            10/10/02         00
    0001251244                           01           12/01/02          0
    0001251244                           N            11/01/17
    0


    8237671          286/286             F          200,000.00         ZZ
                                         180        198,576.75          1
                                       5.625          1,647.46         54
                                       5.375          1,647.46
    GAITHERSBURG     MD   20877          2            10/08/02         00
    0001252653                           03           11/01/02          0
    0001252653                           O            10/01/17
    0


    8237675          286/286             F          201,700.00         ZZ
                                         180        200,976.40          1
                                       5.500          1,648.06         50
                                       5.250          1,648.06
    GAITHERSBURG     MD   20877          2            10/09/02         00
    0001252672                           05           12/01/02          0
    0001252672                           O            11/01/17
    0


    8237683          286/286             F          101,250.00         ZZ
                                         180        100,898.12          1
                                       5.875            847.58         55
                                       5.625            847.58
    GAITHERSBURG     MD   20878          2            10/08/02         00
    0001252484                           03           12/01/02          0
    0001252484                           O            11/01/17
    0


    8237687          286/286             F          178,000.00         ZZ
                                         180        176,746.58          1
                                       5.750          1,478.13         51
                                       5.500          1,478.13
    GAITHERSBURG     MD   20877          5            10/04/02         00
    0001252562                           03           11/01/02          0
    0001252562                           O            10/01/17
    0


    8237691          286/286             F          107,200.00         ZZ
                                         180        106,831.38          4
                                       6.000            904.62         80
                                       5.750            904.62
    MANSFIELD        OH   44903          1            10/08/02         00
    1593347                              05           12/01/02          0
1


    1593347                              N            11/01/17
    0


    8237695          286/286             F          455,000.00         ZZ
                                         180        453,452.05          1
                                       6.125          3,870.35         70
                                       5.875          3,870.35
    SCOTTSDALE       AZ   85262          1            10/04/02         00
    1646221                              03           12/01/02          0
    1646221                              N            11/01/17
    0


    8237699          286/286             F          189,500.00         ZZ
                                         180        188,056.42          3
                                       5.500          1,548.38         50
                                       5.250          1,548.38
    SANTA ANA        CA   92704          2            09/24/02         00
    1514472                              05           11/01/02          0
    1514472                              O            10/01/17
    0


    8237707          286/286             F          300,000.00         ZZ
                                         180        297,842.55          1
                                       5.500          2,451.26         65
                                       5.250          2,451.26
    SAN DIEGO        CA   92124          5            09/26/02         00
    1592262                              03           11/01/02          0
    1592262                              O            10/01/17
    0


    8237711          286/286             F           65,000.00         ZZ
                                         180         64,769.26          1
                                       5.625            535.43         52
                                       5.375            535.43
    HOUSTON          TX   77065          1            10/03/02         00
    1613462                              03           12/01/02          0
    1613462                              O            11/01/17
    0


    8237715          286/286             F          102,000.00         ZZ
                                         180        101,660.34          1
                                       6.375            881.54         75
                                       6.125            881.54
    GLENDALE         AZ   85304          5            10/04/02         00
    1532403                              05           12/01/02          0
    1532403                              N            11/01/17
    0


1


    8237723          286/286             F          103,750.00         ZZ
                                         180        103,400.78          1
                                       6.250            889.58         60
                                       6.000            889.58
    GLENDALE         AZ   85301          5            10/04/02         00
    1532431                              05           12/01/02          0
    1532431                              N            11/01/17
    0


    8237729          286/286             F           98,050.00         ZZ
                                         180         97,719.97          1
                                       6.250            840.71         57
                                       6.000            840.71
    GLENDALE         AZ   85301          2            10/04/02         00
    1533824                              05           12/01/02          0
    1533824                              N            11/01/17
    0


    8237733          286/286             F           77,500.00         ZZ
                                         180         76,586.48          1
                                       5.625            638.40         58
                                       5.375            638.40
    NORRISTOWN       PA   19403          2            10/09/02         00
    1584868                              01           12/01/02          0
    1584868                              N            11/01/17
    0


    8237741          286/286             F           70,000.00         ZZ
                                         180         69,756.72          1
                                       5.875            585.99         78
                                       5.625            585.99
    HAMILTON         NJ   08619          1            10/10/02         00
    1398699                              05           12/01/02          0
    1398699                              O            11/01/17
    0


    8238709          E82/G02             F          103,300.00         ZZ
                                         180        103,300.00          2
                                       5.750            857.81         40
                                       5.500            857.81
    EVANSTON         IL   60202          2            11/25/02         00
    0400732350                           05           01/01/03          0
    1755658                              O            12/01/17
    0


    8238711          E82/G02             F          101,700.00         ZZ
                                         180        101,700.00          1
                                       5.875            851.35         51
                                       5.625            851.35
1


    ROCKVILLE        MD   20850          2            11/29/02         00
    0400715330                           05           01/01/03          0
    1904853                              N            12/01/17
    0


    8238725          E82/G02             F           81,800.00         ZZ
                                         180         81,800.00          3
                                       7.000            735.24         66
                                       6.750            735.24
    ROCKLAND         ME   04841          2            11/26/02         00
    0400729257                           05           01/01/03          0
    3038895                              N            12/01/17
    0


    8238729          E22/G02             F          197,600.00         ZZ
                                         120        197,600.00          1
                                       6.125          2,206.19         80
                                       5.875          2,206.19
    DANBURY          CT   06811          5            11/21/02         00
    0415362912                           05           01/01/03          0
    0415362912                           O            12/01/12
    0


    8238737          E82/G02             F           90,700.00         T
                                         180         90,700.00          1
                                       5.750            753.18         66
                                       5.500            753.18
    MYRTLE BEACH     SC   29572          2            11/26/02         00
    0400724035                           01           01/01/03          0
    1689041                              O            12/01/17
    0


    8238797          E22/G02             F           88,500.00         ZZ
                                         180         88,500.00          1
                                       5.750            734.91         66
                                       5.500            734.91
    ROSEBURG         OR   97470          5            11/19/02         00
    0415409382                           05           01/01/03          0
    0415409382                           O            12/01/17
    0


    8238815          E22/G02             F           73,150.00         ZZ
                                         180         73,150.00          1
                                       5.875            612.35         95
                                       5.625            612.35
    PORTLAND         OR   97213          5            11/18/02         10
    0415421619                           05           01/01/03         30
    0415421619                           O            12/01/17
    0
1




    8238825          E22/G02             F          104,600.00         ZZ
                                         180        104,600.00          1
                                       6.250            896.86         80
                                       6.000            896.86
    PEARLAND         TX   77581          5            11/21/02         00
    0415450451                           05           01/01/03          0
    0415450451                           O            12/01/17
    0


    8238839          E22/G02             F          120,150.00         ZZ
                                         180        120,150.00          1
                                       5.750            997.74         90
                                       5.500            997.74
    LOUISVILLE       KY   40299          1            11/26/02         10
    0415465236                           05           01/01/03         12
    0415465236                           O            12/01/17
    0


    8238855          E22/G02             F           97,100.00         ZZ
                                         180         97,100.00          1
                                       5.875            812.84         74
                                       5.625            812.84
    SOUTHAVEN        MS   38671          5            11/21/02         00
    0415476837                           05           01/01/03          0
    0415476837                           O            12/01/17
    0


    8238871          E22/G02             F          109,600.00         ZZ
                                         180        109,600.00          1
                                       5.750            910.13         80
                                       5.500            910.13
    ARLINGTON        TX   76002          5            11/21/02         00
    0415494848                           05           01/01/03          0
    0415494848                           O            12/01/17
    0


    8238907          E22/G02             F          436,000.00         ZZ
                                         180        436,000.00          1
                                       6.250          3,738.36         80
                                       6.000          3,738.36
    HOLLIS HILLS     NY   11427          2            11/21/02         00
    0414727859                           05           01/01/03          0
    0414727859                           O            12/01/17
    0


    8238935          E22/G02             F          108,110.00         ZZ
                                         180        108,110.00          1
1


                                       6.500            941.75         95
                                       6.250            941.75
    BELLEVILLE       IL   62223          5            11/22/02         04
    0415066471                           05           01/01/03         30
    0415066471                           O            12/01/17
    0


    8238985          E22/G02             F          185,000.00         ZZ
                                         180        185,000.00          1
                                       6.000          1,561.14         73
                                       5.750          1,561.14
    HOUSTON          TX   77040          5            11/21/02         00
    0415429083                           03           01/01/03          0
    0415429083                           O            12/01/17
    0


    8239047          E22/G02             F           85,000.00         ZZ
                                         180         85,000.00          1
                                       5.875            711.55         44
                                       5.625            711.55
    AUSTIN           TX   78739          2            11/19/02         00
    0415208099                           03           01/01/03          0
    0415208099                           O            12/01/17
    0


    8239105          E22/G02             F          126,375.00         ZZ
                                         180        126,375.00          1
                                       6.875          1,127.08         75
                                       6.625          1,127.08
    FRESNO           CA   93727          5            11/16/02         00
    0415304443                           05           01/01/03          0
    0415304443                           N            12/01/17
    0


    8239293          L76/G02             F          122,700.00         ZZ
                                         180        122,700.00          1
                                       5.375            994.44         57
                                       5.125            994.44
    EDEN PRAIRIE     MN   55347          2            11/22/02         00
    0435046271                           07           01/01/03          0
    9507258                              O            12/01/17
    0


    8239321          K15/G02             F           97,300.00         ZZ
                                         180         97,300.00          1
                                       5.875            814.52         65
                                       5.625            814.52
    CUMBERLAND       RI   02864          5            11/08/02         00
    0435002837                           05           01/01/03          0
1


    029705502411                         O            12/01/17
    0


    8240301          W40/G02             F          348,500.00         ZZ
                                         180        348,500.00          1
                                       6.000          2,940.84         78
                                       5.750          2,940.84
    WEST BLOOMFIELD  MI   48324          5            11/19/02         00
    0435001474                           05           01/01/03          0
    101014832                            O            12/01/17
    0


    8240341          K60/G02             F          200,000.00         ZZ
                                         180        200,000.00          1
                                       5.625          1,647.46         80
                                       5.375          1,647.46
    SPRINGBORO       OH   45066          2            11/15/02         00
    0435029210                           05           01/01/03          0
    71437                                O            12/01/17
    0


    8240371          K15/G02             F           87,700.00         ZZ
                                         180         87,395.21          1
                                       5.875            734.15         75
                                       5.625            734.15
    KERNERSVILLE     NC   27284          5            10/31/02         00
    0435051883                           05           12/01/02          0
    0174055273                           N            11/01/17
    0


    8241185          K15/G02             F           65,000.00         ZZ
                                         180         65,000.00          1
                                       5.875            544.13         55
                                       5.625            544.13
    WINCHESTER       NH   03470          5            11/21/02         00
    0435009931                           05           01/01/03          0
    0336505702                           O            12/01/17
    0


    8241579          U05/G02             F           55,800.00         ZZ
                                         180         55,800.00          1
                                       6.250            478.44         75
                                       6.000            478.44
    PHILADELPHIA     PA   19136          2            11/18/02         00
    0435031638                           07           01/01/03          0
    3269492                              O            12/01/17
    0


1


    8242011          E84/G02             F          344,000.00         ZZ
                                         180        344,000.00          3
                                       6.000          2,902.87         58
                                       5.750          2,902.87
    CAMBRIDGE        MA   02139          2            10/30/02         00
    0435007232                           05           01/01/03          0
    45022701                             O            12/01/17
    0


    8242531          E22/G02             F           63,000.00         ZZ
                                         120         63,000.00          1
                                       5.875            695.48         75
                                       5.625            695.48
    HAMILTON         AL   35570          2            11/22/02         00
    0414929208                           05           01/01/03          0
    0414929208                           O            12/01/12
    0


    8242767          E22/G02             F          177,000.00         ZZ
                                         180        177,000.00          1
                                       5.875          1,481.70         80
                                       5.625          1,481.70
    HOUSTON          TX   77068          5            11/22/02         00
    0415147172                           03           01/01/03          0
    0415147172                           O            12/01/17
    0


    8242837          E22/G02             F          109,000.00         ZZ
                                         180        109,000.00          1
                                       5.875            912.46         39
                                       5.625            912.46
    DOWNEY           CA   90242          2            11/12/02         00
    0415235019                           05           01/01/03          0
    0415235019                           O            12/01/17
    0


    8242839          E22/G02             F           91,500.00         ZZ
                                         180         91,500.00          1
                                       5.875            765.96         95
                                       5.625            765.96
    CHOTEAU          MT   59422          5            11/22/02         04
    0415237312                           05           01/01/03         25
    0415237312                           O            12/01/17
    0


    8242871          E22/G02             F          480,000.00         ZZ
                                         180        480,000.00          1
                                       5.875          4,018.17         77
                                       5.625          4,018.17
1


    FOLSOM           CA   95630          2            11/21/02         00
    0415277318                           05           01/01/03          0
    0415277318                           O            12/01/17
    0


    8242901          E22/G02             F          148,000.00         ZZ
                                         180        148,000.00          1
                                       6.250          1,268.99         80
                                       6.000          1,268.99
    GARLAND          TX   75044          5            11/22/02         00
    0415294966                           05           01/01/03          0
    0415294966                           O            12/01/17
    0


    8243097          E22/G02             F           80,000.00         T
                                         180         80,000.00          1
                                       6.500            696.89         95
                                       6.250            696.89
    AFTON            OK   74331          1            11/26/02         04
    0415584044                           09           01/01/03         25
    0415584044                           O            12/01/17
    0


    8243135          E22/G02             F          164,350.00         ZZ
                                         180        164,350.00          1
                                       5.875          1,375.80         95
                                       5.625          1,375.80
    MEMPHIS          TN   38125          5            11/22/02         10
    0415415678                           05           01/01/03         25
    0415415678                           O            12/01/17
    0


    8243155          E22/G02             F           95,000.00         ZZ
                                         180         95,000.00          1
                                       5.625            782.55         75
                                       5.375            782.55
    HOUSTON          TX   77095          5            11/22/02         00
    0415425511                           03           01/01/03          0
    0415425511                           O            12/01/17
    0


    8243157          E22/G02             F           56,700.00         ZZ
                                         180         56,700.00          3
                                       6.875            505.68         90
                                       6.625            505.68
    BAY CITY         MI   48708          1            11/27/02         04
    0415425586                           05           01/01/03         25
    0415425586                           N            12/01/17
    0
1




    8243163          E22/G02             F           66,250.00         ZZ
                                         180         66,250.00          1
                                       6.500            577.11         58
                                       6.250            577.11
    GRETNA           LA   70056          5            11/22/02         00
    0415428622                           05           01/01/03          0
    0415428622                           O            12/01/17
    0


    8243185          E22/G02             F          136,500.00         ZZ
                                         180        136,500.00          1
                                       5.875          1,142.67         76
                                       5.625          1,142.67
    ROANOKE          VA   24019          2            11/22/02         00
    0415439876                           05           01/01/03          0
    0415439876                           O            12/01/17
    0


    8243187          E22/G02             F           87,500.00         ZZ
                                         180         87,500.00          1
                                       6.500            762.22         75
                                       6.250            762.22
    KINGWOOD         TX   77339          5            11/25/02         00
    0415440619                           03           01/01/03          0
    0415440619                           N            12/01/17
    0


    8243193          E22/G02             F          112,500.00         ZZ
                                         180        112,500.00          1
                                       5.875            941.76         94
                                       5.625            941.76
    BROKEN ARROW     OK   74012          2            11/22/02         01
    0415446459                           05           01/01/03         25
    0415446459                           O            12/01/17
    0


    8243195          E22/G02             F          125,000.00         ZZ
                                         180        125,000.00          1
                                       5.750          1,038.01         73
                                       5.500          1,038.01
    SPOKANE          WA   99223          5            11/19/02         00
    0415447655                           05           01/01/03          0
    0415447655                           O            12/01/17
    0


    8243209          E22/G02             F          621,000.00         ZZ
                                         180        621,000.00          1
1


                                       6.125          5,282.38         63
                                       5.875          5,282.38
    FLOWER MOUND     TX   75022          5            11/22/02         00
    0415451210                           03           01/01/03          0
    0415451210                           O            12/01/17
    0


    8243251          E22/G02             F          110,000.00         ZZ
                                         180        110,000.00          1
                                       5.875            920.83         64
                                       5.625            920.83
    CHESTERFILED TW  MI   48051          5            11/26/02         00
    0415465582                           29           01/01/03          0
    0415465582                           O            12/01/17
    0


    8243263          E22/G02             F          121,500.00         ZZ
                                         180        121,500.00          1
                                       5.750          1,008.95         90
                                       5.500          1,008.95
    DUBLIN           OH   43017          2            11/22/02         04
    0415467091                           05           01/01/03         12
    0415467091                           O            12/01/17
    0


    8243285          E82/G02             F           77,500.00         ZZ
                                         180         77,500.00          1
                                       5.875            648.77         62
                                       5.625            648.77
    ROCKWELL         IA   50469          2            11/26/02         00
    0400710091                           05           01/01/03          0
    1726700                              O            12/01/17
    0


    8243297          E22/G02             F          184,000.00         ZZ
                                         180        184,000.00          1
                                       5.875          1,540.30         80
                                       5.625          1,540.30
    LONG BEACH       CA   90805          5            11/15/02         00
    0415335629                           05           01/01/03          0
    0415335629                           O            12/01/17
    0


    8243365          E22/G02             F           95,200.00         ZZ
                                         180         95,200.00          1
                                       6.750            842.43         80
                                       6.500            842.43
    ROMEOVILLE       IL   60446          1            11/27/02         00
    0415500891                           05           01/01/03          0
1


    0415500891                           N            12/01/17
    0


    8243415          967/G02             F           44,100.00         ZZ
                                         180         44,100.00          1
                                       6.625            387.20         90
                                       6.375            387.20
    TACOMA           WA   98418          1            11/15/02         11
    0435020110                           05           01/01/03         25
    5816897                              N            12/01/17
    0


    8243603          X52/G02             F          102,000.00         T
                                         180        102,000.00          1
                                       5.875            853.86         57
                                       5.625            853.86
    DUNELLON         FL   34431          2            11/26/02         00
    0435038203                           05           01/01/03          0
    ELVERMG                              O            12/01/17
    0


    8244483          E82/G02             F           91,300.00         ZZ
                                         180         91,300.00          1
                                       5.750            758.16         77
                                       5.500            758.16
    ROYAL PALM BEAC  FL   33411          2            11/21/02         00
    0400728234                           05           01/01/03          0
    1778501                              O            12/01/17
    0


    8244495          E82/G02             F           48,600.00         ZZ
                                         180         48,600.00          1
                                       6.375            420.03         44
                                       6.125            420.03
    PRESCOTT VALLEY  AZ   86314          2            11/22/02         00
    0400725677                           05           01/01/03          0
    1539933                              O            12/01/17
    0


    8244753          E82/G02             F           85,400.00         ZZ
                                         180         85,400.00          1
                                       5.875            714.90         58
                                       5.625            714.90
    BRADENTON        FL   34203          2            11/22/02         00
    0400743555                           05           01/01/03          0
    1540198                              O            12/01/17
    0


1


    8244771          E82/G02             F           74,350.00         ZZ
                                         180         74,350.00          1
                                       5.875            622.40         80
                                       5.625            622.40
    BAKERSFIELD      CA   93307          2            11/20/02         00
    0400733069                           05           01/01/03          0
    3651487                              O            12/01/17
    0


    8244797          K15/G02             F           69,000.00         ZZ
                                         180         69,000.00          1
                                       6.625            605.82         80
                                       6.375            605.82
    BELEN            NM   87002          2            11/15/02         00
    0435009253                           05           01/01/03          0
    033505505774                         O            12/01/17
    0


    8244843          E82/G02             F           68,000.00         ZZ
                                         180         68,000.00          1
                                       5.750            564.68         51
                                       5.500            564.68
    LEVITTOWN        PA   19057          2            11/22/02         00
    0400744520                           05           01/01/03          0
    2903851                              O            12/01/17
    0


    8244927          U05/G02             F          139,500.00         ZZ
                                         180        139,500.00          4
                                       6.750          1,234.45         90
                                       6.500          1,234.45
    WEST PALM BEACH  FL   33407          1            11/18/02         14
    0435034459                           05           01/01/03         25
    3277502                              N            12/01/17
    0


    8244963          E84/G02             F          237,000.00         ZZ
                                         180        237,000.00          1
                                       6.000          1,999.94         79
                                       5.750          1,999.94
    PORT REPUBLIC    MD   20676          2            11/08/02         00
    0435007299                           05           01/01/03          0
    87320189                             O            12/01/17
    0


    8245455          144/144             F          115,000.00         ZZ
                                         180        114,596.07          1
                                       5.750            954.97         30
                                       5.500            954.97
1


    YORKTOWN HEIGHT  NY   10598          5            10/30/02         00
    02DUNNM                              05           12/01/02          0
    02DUNNM                              O            11/01/17
    0


    8245467          144/144             F          382,596.00         ZZ
                                         180        379,986.10          1
                                       6.125          3,254.46         42
                                       5.875          3,254.46
    STAMFORD         CT   06903          2            09/18/02         00
    160697698                            05           11/01/02          0
    160697698                            O            10/01/17
    0


    8245667          P09/G02             F           91,500.00         ZZ
                                         180         91,500.00          1
                                       5.875            765.96         51
                                       5.625            765.96
    WESTMINSTER      MD   21158          2            11/25/02         00
    0435044771                           05           01/01/03          0
    0210540                              O            12/01/17
    0


    8248975          E82/G02             F           65,600.00         ZZ
                                         180         65,600.00          1
                                       5.875            549.15         55
                                       5.625            549.15
    BILLINGS         MT   59102          2            11/25/02         00
    0400728481                           05           01/01/03          0
    1541972                              O            12/01/17
    0


    8248977          E82/G02             F           58,300.00         ZZ
                                         180         58,300.00          1
                                       5.875            488.04         46
                                       5.625            488.04
    CRYSTAL BEACH    FL   34681          2            11/26/02         00
    0400736518                           05           01/01/03          0
    2761418                              O            12/01/17
    0


    8249191          E22/G02             F          100,000.00         ZZ
                                         180        100,000.00          2
                                       6.250            857.42         54
                                       6.000            857.42
    REDMOND          OR   97756          5            11/21/02         00
    0415408012                           05           01/01/03          0
    0415408012                           N            12/01/17
    0
1




    8249215          E22/G02             F          165,000.00         ZZ
                                         180        165,000.00          1
                                       5.750          1,370.18         80
                                       5.500          1,370.18
    SAN ANTONIO      TX   78209          5            11/25/02         00
    0415419480                           05           01/01/03          0
    0415419480                           O            12/01/17
    0


    8249285          E22/G02             F          177,600.00         ZZ
                                         180        177,600.00          1
                                       5.625          1,462.95         65
                                       5.375          1,462.95
    MIAMI            FL   33186          2            11/26/02         00
    0415444405                           03           01/01/03          0
    0415444405                           O            12/01/17
    0


    8249309          E22/G02             F          187,500.00         ZZ
                                         180        187,500.00          1
                                       5.875          1,569.60         79
                                       5.625          1,569.60
    HOUSTON          TX   77009          5            11/22/02         00
    0415449701                           05           01/01/03          0
    0415449701                           O            12/01/17
    0


    8249317          E22/G02             F          160,000.00         ZZ
                                         180        160,000.00          1
                                       5.750          1,328.66         66
                                       5.500          1,328.66
    CASTORVILLE      TX   78009          5            11/22/02         00
    0415451921                           05           01/01/03          0
    0415451921                           O            12/01/17
    0


    8249329          E22/G02             F           56,000.00         ZZ
                                         180         56,000.00          1
                                       5.875            468.79         80
                                       5.625            468.79
    ALBUQUERQUE      NM   87108          5            11/25/02         00
    0415453505                           05           01/01/03          0
    0415453505                           O            12/01/17
    0


    8249339          E22/G02             F          119,600.00         ZZ
                                         180        119,600.00          1
1


                                       5.875          1,001.19         76
                                       5.625          1,001.19
    BEDFORD          TX   76021          5            11/25/02         00
    0415463967                           05           01/01/03          0
    0415463967                           O            12/01/17
    0


    8249341          E22/G02             F           98,400.00         ZZ
                                         180         98,400.00          1
                                       5.875            823.72         80
                                       5.625            823.72
    ROCKY POINT      NC   28457          5            11/26/02         00
    0415474774                           05           01/01/03          0
    0415474774                           O            12/01/17
    0


    8249401          E22/G02             F           71,300.00         ZZ
                                         180         71,300.00          1
                                       5.375            577.86         64
                                       5.125            577.86
    PINEVILLE        KY   40977          2            11/26/02         00
    0415521285                           05           01/01/03          0
    0415521285                           O            12/01/17
    0


    8249473          E22/G02             F          148,000.00         ZZ
                                         180        148,000.00          1
                                       5.500          1,209.28         80
                                       5.250          1,209.28
    SELAH            WA   98942          5            11/21/02         00
    0415316264                           05           01/01/03          0
    0415316264                           O            12/01/17
    0


    8249503          E22/G02             F          155,000.00         ZZ
                                         180        155,000.00          1
                                       5.875          1,297.53         79
                                       5.625          1,297.53
    AITKIN           MN   56431          5            11/26/02         00
    0415381169                           05           01/01/03          0
    0415381169                           O            12/01/17
    0


    8249505          E22/G02             F           60,000.00         ZZ
                                         180         60,000.00          1
                                       5.750            498.25         67
                                       5.500            498.25
    TAMPA            FL   33615          5            11/25/02         00
    0415381557                           05           01/01/03          0
1


    0415381557                           O            12/01/17
    0


    8249557          E22/G02             F          251,700.00         ZZ
                                         180        251,700.00          1
                                       5.875          2,107.03         66
                                       5.625          2,107.03
    HOUSTON          TX   77008          2            11/25/02         00
    0415015189                           05           01/01/03          0
    0415015189                           O            12/01/17
    0


    8249659          E22/G02             F           30,650.00         ZZ
                                         180         30,650.00          1
                                       7.000            275.49         80
                                       6.750            275.49
    NORTH CHARLESTO  SC   29405          2            11/27/02         00
    0415257070                           05           01/01/03          0
    0415257070                           N            12/01/17
    0


    8250075          975/G02             F          221,000.00         ZZ
                                         180        221,000.00          1
                                       5.500          1,805.75         70
                                       5.250          1,805.75
    TORRANCE         CA   90504          5            11/07/02         00
    0435020193                           05           01/01/03          0
    2024958                              O            12/01/17
    0


    8250217          Q14/G02             F           63,318.00         ZZ
                                         180         63,318.00          1
                                       5.750            525.80         58
                                       5.500            525.80
    BLUE SPRINGS     MO   64014          2            11/25/02         00
    0435027396                           05           01/01/03          0
    0000210118                           O            12/01/17
    0


    8250643          X82/G02             F          127,000.00         ZZ
                                         180        127,000.00          1
                                       5.875          1,063.14         41
                                       5.625          1,063.14
    BURKE            VA   22015          5            11/07/02         00
    0435027362                           05           01/01/03          0
    840180                               O            12/01/17
    0


1


    8250993          624/G02             F           51,000.00         ZZ
                                         180         51,000.00          1
                                       5.875            426.93         17
                                       5.625            426.93
    ROCKLIN          CA   95765          5            11/08/02         00
    0435017181                           05           01/01/03          0
    10000014787                          O            12/01/17
    0


    8253725          E22/G02             F          105,000.00         ZZ
                                         180        105,000.00          1
                                       6.500            914.66         75
                                       6.250            914.66
    DETROIT          MI   48224          5            12/03/02         00
    0415181627                           05           01/01/03          0
    0415181627                           N            12/01/17
    0


    8253735          E22/G02             F           40,000.00         ZZ
                                         180         40,000.00          1
                                       6.750            353.96         80
                                       6.500            353.96
    BESSEMER         AL   35022          5            11/27/02         00
    0415217132                           05           01/01/03          0
    0415217132                           O            12/01/17
    0


    8253875          E22/G02             F           66,500.00         ZZ
                                         180         66,500.00          1
                                       6.375            574.73         94
                                       6.125            574.73
    VERNON           AL   35592          5            11/27/02         04
    0415420652                           05           01/01/03         30
    0415420652                           O            12/01/17
    0


    8253877          E22/G02             F           98,100.00         ZZ
                                         180         98,100.00          1
                                       6.000            827.82         90
                                       5.750            827.82
    WOODBRIDGE       VA   22192          2            12/02/02         04
    0415423631                           01           01/01/03         25
    0415423631                           N            12/01/17
    0


    8253923          E22/G02             F           93,500.00         ZZ
                                         180         93,500.00          1
                                       6.375            808.07         95
                                       6.125            808.07
1


    MIDWEST CITY     OK   73130          2            11/27/02         04
    0415458579                           05           01/01/03         25
    0415458579                           O            12/01/17
    0


    8253925          E22/G02             F           72,000.00         ZZ
                                         180         72,000.00          1
                                       5.500            588.30         89
                                       5.250            588.30
    BROKEN ARROW     OK   74012          2            11/27/02         01
    0415461714                           05           01/01/03         12
    0415461714                           O            12/01/17
    0


    8254133          G51/G02             F           74,000.00         ZZ
                                         180         74,000.00          1
                                       5.750            614.51         40
                                       5.500            614.51
    ARVADA           CO   80005          5            11/21/02         00
    0435032933                           01           01/01/03          0
    20002095                             O            12/01/17
    0


    8255373          K15/G02             F           93,800.00         ZZ
                                         180         93,800.00          1
                                       5.375            760.22         66
                                       5.125            760.22
    DAYTON           OH   45424          2            11/22/02         00
    0435030051                           05           01/01/03          0
    027805504484                         O            12/01/17
    0


    8255439          K15/G02             F          118,000.00         ZZ
                                         180        118,000.00          1
                                       6.750          1,044.19         85
                                       6.500          1,044.19
    PARMA            OH   44130          5            11/22/02         41
    0435048236                           05           01/01/03          6
    028005504576                         O            12/01/17
    0


    8255445          K15/G02             F           61,200.00         ZZ
                                         180         61,200.00          1
                                       6.875            545.81         90
                                       6.625            545.81
    DORSET           OH   44032          5            11/25/02         41
    0435050992                           05           01/01/03         12
    028605504249                         O            12/01/17
    0
1




    8255615          P27/G02             F          216,000.00         ZZ
                                         180        216,000.00          1
                                       5.875          1,808.18         90
                                       5.625          1,808.18
    REDLANDS         CA   92374          5            11/18/02         01
    0435049432                           05           01/01/03         25
    7701897017                           O            12/01/17
    0


    8255717          F89/G02             F           91,500.00         ZZ
                                         120         91,500.00          1
                                       5.750          1,004.39         50
                                       5.500          1,004.39
    PACOIMA AREA     CA   91331          2            11/22/02         00
    0435049762                           05           01/01/03          0
    11125169                             O            12/01/12
    0


    8256465          E82/G02             F           58,100.00         ZZ
                                         180         58,100.00          1
                                       6.125            494.21         67
                                       5.875            494.21
    SAN MANUEL       AZ   85631          2            11/26/02         00
    0400730941                           05           01/01/03          0
    1750864                              N            12/01/17
    0


    8256477          E82/G02             F          118,600.00         ZZ
                                         180        118,600.00          1
                                       5.875            992.82         39
                                       5.625            992.82
    CHATSWORTH       CA   91311          2            11/20/02         00
    0400712410                           05           01/01/03          0
    8256477                              O            12/01/17
    0


    8256483          E82/G02             F           98,800.00         ZZ
                                         180         98,800.00          1
                                       5.875            827.07         48
                                       5.625            827.07
    FRESNO           CA   93720          2            11/22/02         00
    0400725578                           05           01/01/03          0
    1826181                              O            12/01/17
    0


    8256635          E22/G02             F           82,000.00         ZZ
                                         180         82,000.00          1
1


                                       6.000            691.96         74
                                       5.750            691.96
    PHOENIX          AZ   85042          5            11/15/02         00
    0415162460                           05           01/01/03          0
    0415162460                           N            12/01/17
    0


    8256739          E22/G02             F          193,000.00         ZZ
                                         180        193,000.00          1
                                       5.875          1,615.64         75
                                       5.625          1,615.64
    CHELAN           WA   98816          2            11/26/02         00
    0415439033                           05           01/01/03          0
    0415439033                           O            12/01/17
    0


    8256783          E22/G02             F          496,000.00         ZZ
                                         180        496,000.00          1
                                       5.625          4,085.71         80
                                       5.375          4,085.71
    SALT LAKE CITY   UT   84121          1            12/02/02         00
    0415520485                           05           01/01/03          0
    0415520485                           O            12/01/17
    0


    8257033          B57/G02             F           77,000.00         ZZ
                                         180         77,000.00          1
                                       6.250            660.22         74
                                       6.000            660.22
    PHOENIX          AZ   85012          5            11/18/02         00
    0435026992                           05           01/01/03          0
    20000995                             N            12/01/17
    0


    8257469          A06/G02             F          130,400.00         ZZ
                                         180        130,400.00          1
                                       5.375          1,056.85         80
                                       5.125          1,056.85
    OSCEOLA          IN   46561          5            11/27/02         00
    0435020870                           05           01/01/03          0
    0350000202305                        O            12/01/17
    0


    8257535          A50/G02             F          481,500.00         ZZ
                                         180        481,500.00          1
                                       5.875          4,030.73         69
                                       5.625          4,030.73
    TUSCALOOSA       AL   35405          2            11/22/02         00
    0435019385                           05           01/01/03          0
1


    914764                               O            12/01/17
    0


    8259349          Q14/G02             F          138,500.00         ZZ
                                         180        138,500.00          1
                                       5.875          1,159.41         73
                                       5.625          1,159.41
    OLATHE           KS   66061          2            11/22/02         00
    0435025788                           05           01/01/03          0
    0000210348                           O            12/01/17
    0


    8259379          U05/G02             F           42,500.00         ZZ
                                         180         42,500.00          1
                                       6.750            376.09         85
                                       6.500            376.09
    LEWISTOWN        MT   59457          5            11/21/02         10
    0435049077                           05           01/01/03         12
    3283092                              O            12/01/17
    0


    8260370          E22/G02             F           64,000.00         ZZ
                                         180         62,372.07          1
                                       7.375            588.75         80
                                       7.125            588.75
    EL PASO          TX   79936          5            03/04/02         00
    0413577305                           05           05/01/02          0
    0413577305                           O            04/01/17
    0


    8260394          E22/G02             F           91,200.00         ZZ
                                         180         88,951.10          1
                                       7.750            858.44         80
                                       7.500            858.44
    CEDAR HILL       TX   75104          5            03/04/02         00
    0413637257                           05           05/01/02          0
    0413637257                           O            04/01/17
    0


    8262693          E22/G02             F           95,000.00         ZZ
                                         180         95,000.00          1
                                       5.875            795.26         61
                                       5.625            795.26
    WINDSOR          CT   06095          2            12/05/02         00
    0415464361                           05           01/01/03          0
    0415464361                           N            12/01/17
    0


1


    8262815          W77/G02             F           90,000.00         ZZ
                                         180         90,000.00          1
                                       5.500            735.38         60
                                       5.250            735.38
    LAFAYETTE        LA   70506          5            11/22/02         00
    0435026315                           05           01/01/03          0
    W0211078                             O            12/01/17
    0


    8262917          W77/G02             F          131,200.00         ZZ
                                         180        131,200.00          4
                                       6.750          1,161.00         80
                                       6.500          1,161.00
    DALLAS           TX   75206          2            11/21/02         00
    0435026620                           05           01/01/03          0
    W0211023                             N            12/01/17
    0


    8266745          E22/G02             F          350,000.00         ZZ
                                         180        350,000.00          1
                                       5.750          2,906.44         74
                                       5.500          2,906.44
    FAIRVIEW         OR   97024          5            11/26/02         00
    0415435718                           05           01/01/03          0
    0415435718                           O            12/01/17
    0


    8266787          E22/G02             F          100,000.00         ZZ
                                         180        100,000.00          1
                                       6.250            857.42         77
                                       6.000            857.42
    BAY CITY         MI   48706          5            12/02/02         00
    0415478080                           01           01/01/03          0
    0415478080                           O            12/01/17
    0


    8266813          E22/G02             F          252,000.00         ZZ
                                         180        252,000.00          1
                                       6.125          2,143.57         65
                                       5.875          2,143.57
    LAKEVILLE        MA   02347          5            12/02/02         00
    0415572312                           05           01/01/03          0
    0415572312                           O            12/01/17
    0


    8268053          U05/G02             F           61,500.00         ZZ
                                         180         61,500.00          1
                                       5.875            514.83         65
                                       5.625            514.83
1


    HOUSTON          TX   77099          2            11/26/02         00
    0435045422                           03           01/01/03          0
    3287306                              O            12/01/17
    0


    8269415          E22/G02             F          300,000.00         ZZ
                                         180        300,000.00          1
                                       5.875          2,511.36         75
                                       5.625          2,511.36
    FORT WORTH       TX   76109          5            12/02/02         00
    0415075498                           03           01/01/03          0
    0415075498                           O            12/01/17
    0


    8269477          E22/G02             F          445,000.00         ZZ
                                         180        445,000.00          1
                                       5.875          3,725.18         63
                                       5.625          3,725.18
    LAFAYETTE        CA   94549          2            11/26/02         00
    0415310143                           05           01/01/03          0
    0415310143                           O            12/01/17
    0


    8269765          E22/G02             F          434,500.00         ZZ
                                         180        434,500.00          1
                                       6.125          3,695.97         57
                                       5.875          3,695.97
    SAN JOSE         CA   95124          2            11/26/02         00
    0415514934                           05           01/01/03          0
    0415514934                           O            12/01/17
    0


    8270833          A06/G02             F          255,000.00         ZZ
                                         180        255,000.00          1
                                       6.250          2,186.43         79
                                       6.000          2,186.43
    WEST BLOOMFIELD  MI   48322          5            11/26/02         00
    0435061809                           05           01/01/03          0
    021000020228229                      O            12/01/17
    0


    8271015          U05/G02             F          212,800.00         ZZ
                                         180        212,800.00          1
                                       5.875          1,781.39         70
                                       5.625          1,781.39
    LAKE WORTH       FL   33460          5            11/21/02         00
    0435047071                           05           01/01/03          0
    3278037                              O            12/01/17
    0
1




    8271423          U05/G02             F          200,000.00         ZZ
                                         180        200,000.00          1
                                       6.250          1,714.85         75
                                       6.000          1,714.85
    HOUSTON          TX   77082          5            11/22/02         00
    0435057450                           03           01/01/03          0
    3285835                              O            12/01/17
    0


    8271467          U05/G02             F           92,000.00         ZZ
                                         180         92,000.00          1
                                       5.500            751.72         80
                                       5.250            751.72
    HOUSTON          TX   77071          2            11/27/02         00
    0435058110                           05           01/01/03          0
    3286671                              O            12/01/17
    0


    8271673          738/G02             F          120,000.00         ZZ
                                         180        120,000.00          1
                                       6.250          1,028.91         42
                                       6.000          1,028.91
    HOLLYWOOD        FL   33019          5            11/22/02         00
    0435045950                           05           01/01/03          0
    40733700                             O            12/01/17
    0


    8273019          601/G02             F          160,000.00         ZZ
                                         180        160,000.00          1
                                       5.875          1,339.39         78
                                       5.625          1,339.39
    ROSEVILLE        MN   55113          2            11/20/02         00
    0435057757                           05           01/01/03          0
    62086574                             O            12/01/17
    0


    8273099          601/G02             F           88,900.00         ZZ
                                         180         88,900.00          1
                                       6.000            750.19         70
                                       5.750            750.19
    JOLIET           IL   60433          5            11/21/02         00
    0435045224                           05           01/01/03          0
    6204212                              O            12/01/17
    0


    8273145          E22/G02             F          650,000.00         ZZ
                                         180        650,000.00          1
1


                                       5.875          5,441.27         45
                                       5.625          5,441.27
    SAN FRANCISCO    CA   94122          5            11/15/02         00
    0415398734                           05           01/01/03          0
    0415398734                           O            12/01/17
    0


    8274157          601/G02             F          300,000.00         ZZ
                                         180        300,000.00          1
                                       5.875          2,511.36         66
                                       5.625          2,511.36
    NEW CITY         NY   10956          2            11/12/02         00
    0435052345                           05           01/01/03          0
    62015896                             O            12/01/17
    0


    8274589          601/G02             F           83,700.00         ZZ
                                         180         83,700.00          1
                                       5.875            700.67         83
                                       5.625            700.67
    ORLANDO          FL   32822          5            11/19/02         11
    0435058995                           05           01/01/03          6
    62169339                             O            12/01/17
    0


    8274691          624/G02             F          100,000.00         ZZ
                                         180        100,000.00          1
                                       5.500            817.08         45
                                       5.250            817.08
    NORWALK          CA   90650          5            11/25/02         00
    0435057039                           05           01/01/03          0
    1000017681                           O            12/01/17
    0


    8276631          G51/G02             F          282,000.00         ZZ
                                         180        282,000.00          1
                                       5.750          2,341.76         80
                                       5.500          2,341.76
    BENTON           AR   72015          2            11/26/02         00
    0435048244                           03           01/01/03          0
    2000246                              O            12/01/17
    0


    8305762          F36/G02             F           40,000.00         ZZ
                                         180         37,506.42          1
                                       7.250            365.15         32
                                       7.000            365.15
    SPANAWAY         WA   98387          5            03/22/02         00
    0433908902                           05           05/01/02          0
1


    06404313                             O            04/01/17
    0


    8321540          E23/G02             F          228,000.00         ZZ
                                         180        224,971.02          1
                                       6.500          1,986.12         70
                                       6.250          1,986.12
    FONTANA          CA   92336          2            07/25/02         00
    0434410064                           03           09/01/02          0
    51016613                             O            08/01/17
    0


    8325986          E23/G02             F          600,000.00         ZZ
                                         180        592,628.11          1
                                       5.875          5,022.71         66
                                       5.625          5,022.71
    PASADENA         CA   91107          2            08/27/02         00
    0434541264                           05           10/01/02          0
    51017383                             O            09/01/17
    0


    8329998          R68/G02             F          164,000.00         ZZ
                                         180        163,423.96          1
                                       5.750          1,361.87         80
                                       5.500          1,361.87
    PEMBROKE PINES   FL   33026          1            10/11/02         00
    0434784484                           05           12/01/02          0
    7361738                              O            11/01/17
    0


    8330230          W98/G02             F          373,000.00         T
                                         180        369,477.29          1
                                       6.250          3,198.19         65
                                       6.000          3,198.19
    BUMPASS          VA   23024          5            09/20/02         00
    0434684759                           05           11/01/02          0
    L0207008                             O            10/01/17
    0


    8331368          Q51/G02             F          350,000.00         ZZ
                                         180        348,770.64          1
                                       5.750          2,906.44         76
                                       5.500          2,906.44
    FOUNTAIN VALLEY  CA   92708          5            10/08/02         00
    0434805909                           05           12/01/02          0
    0621192S20919B1                      O            11/01/17
    0


1


    8331776          Q51/G02             F          650,000.00         ZZ
                                         180        647,741.02          1
                                       5.875          5,441.27         65
                                       5.625          5,441.27
    YORBA LINDA      CA   92887          2            10/07/02         00
    0434804365                           05           12/01/02          0
    0623270                              O            11/01/17
    0


    8331902          W98/G02             F          100,000.00         ZZ
                                         180         99,624.91          1
                                       6.000            843.86         63
                                       5.750            843.86
    BEALETON         VA   22712          5            10/15/02         00
    0434785028                           05           12/01/02          0
    L0209019                             O            11/01/17
    0


    8333658          E23/G02             F          284,000.00         ZZ
                                         180        283,033.81          1
                                       6.125          2,415.77         80
                                       5.875          2,415.77
    SAN DIEGO        CA   92120          5            10/10/02         00
    0434846762                           05           12/01/02          0
    11014113                             O            11/01/17
    0


    8334984          W98/G02             F           94,000.00         ZZ
                                         120         93,453.17          1
                                       6.875          1,085.37         50
                                       6.625          1,085.37
    DOWNINGTOWN      PA   19335          5            10/23/02         00
    0434950887                           05           12/01/02          0
    WA021010                             O            11/01/12
    0


    8335264          X67/G02             F          370,000.00         ZZ
                                         180        368,686.57          1
                                       5.625          3,047.81         63
                                       5.375          3,047.81
    WEST BLOOMFIELD  MI   48323          2            10/24/02         00
    0434885224                           05           12/01/02          0
    00270706                             O            11/01/17
    0


    8336404          Q51/G02             F          476,000.00         ZZ
                                         180        476,000.00          1
                                       5.875          3,984.68         80
                                       5.625          3,984.68
1


    CYPRESS          CA   90630          5            11/01/02         00
    0434998910                           05           01/01/03          0
    0631635                              O            12/01/17
    0


    8337922          E76/G02             F          124,000.00         ZZ
                                         180        124,000.00          1
                                       6.000          1,046.38         80
                                       5.750          1,046.38
    TAMPA            FL   33615          2            11/18/02         00
    0435007091                           05           01/01/03          0
    10018566                             O            12/01/17
    0


    8338468          F97/F97             F          637,500.00         ZZ
                                         180        637,500.00          1
                                       6.375          5,509.60         75
                                       6.125          5,509.60
    WINNETKA         IL   60093          5            11/05/02         00
    1                                    05           01/01/03          0
    1                                    O            12/01/17
    0


    8338884          E23/G02             F           73,000.00         ZZ
                                         180         73,000.00          1
                                       6.000            616.02         24
                                       5.750            616.02
    EL CAJON         CA   92021          2            11/15/02         00
    0435043997                           05           01/01/03          0
    11014034                             N            12/01/17
    0

   TOTAL NUMBER OF LOANS   :      1,611

   TOTAL ORIGINAL BALANCE  :   260,569,375.94

   TOTAL PRINCIPAL BALANCE :   259,374,017.35

   TOTAL ORIGINAL P+I      :     2,213,063.44

   TOTAL CURRENT P+I       :     2,213,063.44


                             ***************************
                             *      END OF REPORT      *
                             ***************************


<PAGE>

<TABLE>
<CAPTION>

                                   EXHIBIT TWO

                         SCHEDULE OF DISCOUNT FRACTIONS

                               Schedule of Discount Fractions

    Loan Number     Current Balance    Net Mortgage Rate  Discount Fraction   PO Balance
<S>   <C>             <C>                   <C>                <C>              <C>
      8043225         $124,119.79           5.470%             0.5455%          $677.02
      8059651         $207,528.28           5.470%             0.5455%         $1,131.97
      8062187         $75,166.95            5.470%             0.5455%          $410.00
      8073693         $104,260.63           5.470%             0.5455%          $568.69
      8075623         $168,790.25           5.345%             2.8182%         $4,756.82
      8076745         $239,284.99           5.345%             2.8182%         $6,743.49
      8077099         $168,790.25           5.345%             2.8182%         $4,756.82
      8082439         $106,723.82           5.470%             0.5455%          $582.13
      8082551         $92,338.19            5.345%             2.8182%         $2,602.26
      8083141         $86,574.48            5.345%             2.8182%         $2,439.83
      8084559         $76,849.19            5.345%             2.8182%         $2,165.75
      8085149         $57,095.09            5.470%             0.5455%          $311.43
      8086611         $198,576.75           5.345%             2.8182%         $5,596.25
      8087211         $68,668.59            5.095%             7.3636%         $5,056.51
      8087459         $297,887.49           5.470%             0.5455%         $1,624.84
      8087739         $47,054.09            5.095%             7.3636%         $3,464.89
      8087767         $298,582.54           5.470%             0.5455%         $1,628.63
      8087777         $270,242.49           5.220%             5.0909%        $13,757.80
      8088021         $41,899.70            5.345%             2.8182%         $1,180.81
      8091257         $272,368.47           5.470%             0.5455%         $1,485.65
      8091429         $283,986.06           5.470%             0.5455%         $1,549.01
      8092889         $91,489.38            5.095%             7.3636%         $6,736.95
      8092969         $135,549.47           5.470%             0.5455%          $739.36
      8093749         $139,248.65           5.220%             5.0909%         $7,089.02
      8093811         $411,035.09           5.470%             0.5455%         $2,242.01
      8094065         $175,375.23           5.345%             2.8182%         $4,942.39
      8094075         $139,503.03           5.345%             2.8182%         $3,931.45
      8094081         $170,754.69           5.345%             2.8182%         $4,812.18
      8094089         $398,594.03           5.470%             0.5455%         $2,174.15
      8095271         $233,345.19           5.470%             0.5455%         $1,272.79
      8095279         $149,925.43           5.345%             2.8182%         $4,225.17
      8095313         $150,124.02           5.345%             2.8182%         $4,230.77
      8095319         $153,861.75           4.970%             9.6364%        $14,826.68
      8096741         $298,537.53           5.220%             5.0909%        $15,198.27
      8096755         $79,921.09            5.220%             5.0909%         $4,068.71
      8096769         $193,597.67           5.220%             5.0909%         $9,855.88
      8096773         $146,450.36           5.345%             2.8182%         $4,127.24
      8096775         $157,880.38           5.470%             0.5455%          $861.17
      8096783         $238,309.98           5.470%             0.5455%         $1,299.87
      8096789         $178,705.54           5.220%             5.0909%         $9,097.74
      8096813         $218,450.83           5.470%             0.5455%         $1,191.55
      8097253         $63,476.26            5.470%             0.5455%          $346.23
      8097257         $123,165.86           5.470%             0.5455%          $671.81
      8101777         $183,655.57           5.095%             7.3636%        $13,523.73
      8101827         $201,570.54           5.470%             0.5455%         $1,099.48
      8104009         $106,823.47           5.470%             0.5455%          $582.67
      8104243         $115,891.50           5.470%             0.5455%          $632.14
      8104317         $137,510.13           5.345%             2.8182%         $3,875.29
      8104801         $448,419.40           5.470%             0.5455%         $2,445.92
      8106375         $404,075.71           5.470%             0.5455%         $2,204.05
      8108211         $249,121.89           5.470%             0.5455%         $1,358.85
      8108217         $138,307.29           5.345%             2.8182%         $3,897.75
      8108639         $82,118.57            5.220%             5.0909%         $4,180.58


 Friday, December 20, 2002                                                      Page 1 of 7


      8109213         $137,401.54           5.470%             0.5455%          $749.46
      8109995         $127,849.35           5.470%             0.5455%          $697.36
      8110055         $200,891.89           5.470%             0.5455%         $1,095.77
      8110077         $342,418.04           5.470%             0.5455%         $1,867.73
      8110145         $267,905.68           5.470%             0.5455%         $1,461.30
      8110185         $238,350.88           5.345%             2.8182%         $6,717.16
      8110241         $261,577.98           5.470%             0.5455%         $1,426.79
      8110301         $315,886.56           5.470%             0.5455%         $1,723.02
      8113713         $335,487.68           5.345%             2.8182%         $9,454.65
      8116403         $102,847.48           5.470%             0.5455%          $560.99
      8116459         $129,742.69           5.470%             0.5455%          $707.69
      8117937         $129,035.41           5.220%             5.0909%         $6,569.08
      8118057         $244,121.06           5.220%             5.0909%        $12,427.98
      8118613         $162,925.72           5.470%             0.5455%          $888.69
      8119579         $71,747.10            5.470%             0.5455%          $391.35
      8120757         $163,979.43           5.470%             0.5455%          $894.43
      8121135         $121,068.70           5.345%             2.8182%         $3,411.94
      8125769         $435,973.37           5.470%             0.5455%         $2,378.04
      8127967         $444,414.77           5.345%             2.8182%        $12,524.42
      8129167         $448,917.65           5.470%             0.5455%         $2,448.64
      8129645         $105,117.51           5.095%             7.3636%         $7,740.47
      8130059         $159,438.01           5.470%             0.5455%          $869.66
      8130295         $120,072.24           5.345%             2.8182%         $3,383.85
      8132075         $86,694.42            5.470%             0.5455%          $472.88
      8133635         $96,260.70            5.470%             0.5455%          $525.06
      8133923         $115,191.28           5.345%             2.8182%         $3,246.30
      8133993         $75,733.06            5.470%             0.5455%          $413.09
      8137783         $131,149.97           5.470%             0.5455%          $715.36
      8138035         $109,609.53           5.345%             2.8182%         $3,089.00
      8138081         $106,120.03           5.345%             2.8182%         $2,990.66
      8138111         $298,946.27           5.470%             0.5455%         $1,630.62
      8138151         $143,494.21           5.470%             0.5455%          $782.70
      8138195         $213,240.34           5.345%             2.8182%         $6,009.50
      8139479         $98,652.27            5.470%             0.5455%          $538.10
      8140615         $142,138.24           5.220%             5.0909%         $7,236.13
      8140735         $348,770.64           5.470%             0.5455%         $1,902.39
      8140747         $84,698.27            5.345%             2.8182%         $2,386.95
      8140857         $74,736.57            5.470%             0.5455%          $407.65
      8140879         $224,904.25           5.470%             0.5455%         $1,226.75
      8141341         $99,346.08            5.345%             2.8182%         $2,799.75
      8142015         $58,584.55            5.470%             0.5455%          $319.55
      8142153         $103,634.70           5.470%             0.5455%          $565.28
      8142623         $468,331.59           5.345%             2.8182%        $13,198.44
      8142793         $112,104.85           5.470%             0.5455%          $611.48
      8143101         $161,430.99           5.470%             0.5455%          $880.53
      8143555         $185,339.74           5.345%             2.8182%         $5,223.21
      8144035         $119,578.51           5.470%             0.5455%          $652.25
      8144165         $127,949.00           5.470%             0.5455%          $697.90
      8144191         $121,372.19           5.470%             0.5455%          $662.03
      8144201         $61,698.57            5.470%             0.5455%          $336.54
      8144577         $622,804.73           5.470%             0.5455%         $3,397.12
      8145979         $122,076.56           5.345%             2.8182%         $3,440.34
      8146159         $175,381.81           5.470%             0.5455%          $956.63
      8146731         $149,467.53           5.345%             2.8182%         $4,212.27
      8146811         $159,930.25           5.345%             2.8182%         $4,507.13
      8147491         $251,105.45           5.345%             2.8182%         $7,076.61
      8147563         $56,994.11            5.470%             0.5455%          $310.88


 Friday, December 20, 2002                                                      Page 2 of 7


      8147677         $151,460.43           5.345%             2.8182%         $4,268.43
      8147751         $116,271.42           5.345%             2.8182%         $3,276.74
      8147959         $79,716.01            5.345%             2.8182%         $2,246.54
      8148515         $126,553.92           5.470%             0.5455%          $690.29
      8149039         $298,923.75           5.220%             5.0909%        $15,217.94
      8149043         $249,093.62           5.095%             7.3636%        $18,342.35
      8149047         $108,498.96           5.220%             5.0909%         $5,523.58
      8149049         $563,015.47           5.470%             0.5455%         $3,070.99
      8149091         $179,361.03           5.345%             2.8182%         $5,054.72
      8149093         $232,155.26           5.095%             7.3636%        $17,095.07
      8149103         $247,589.55           4.970%             9.6364%        $23,858.63
      8149115         $131,521.43           5.095%             7.3636%         $9,684.76
      8149127         $299,621.24           5.220%             5.0909%        $15,253.44
      8149171         $259,086.76           5.470%             0.5455%         $1,413.20
      8149175         $298,912.35           5.095%             7.3636%        $22,010.82
      8149181         $110,597.19           5.095%             7.3636%         $8,143.97
      8149575         $76,729.54            5.470%             0.5455%          $418.52
      8149577         $226,202.68           5.470%             0.5455%         $1,233.83
      8150297         $58,992.07            5.470%             0.5455%          $321.77
      8150403         $104,431.90           5.470%             0.5455%          $569.63
      8150493         $99,648.76            5.470%             0.5455%          $543.54
      8151013         $247,617.87           5.345%             2.8182%         $6,978.32
      8151039         $299,632.57           5.345%             2.8182%         $8,444.19
      8151041         $185,332.72           5.220%             5.0909%         $9,435.12
      8151059         $214,228.69           5.220%             5.0909%        $10,906.19
      8151071         $318,876.01           5.470%             0.5455%         $1,739.32
      8151077         $69,746.21            5.095%             7.3636%         $5,135.86
      8151083         $224,201.29           5.345%             2.8182%         $6,318.40
      8151091         $223,196.40           5.220%             5.0909%        $11,362.73
      8151227         $128,081.99           5.345%             2.8182%         $3,609.58
      8151343         $149,473.13           5.470%             0.5455%          $815.31
      8154293         $236,158.70           5.345%             2.8182%         $6,655.38
      8154873         $132,617.45           5.095%             7.3636%         $9,765.47
      8155269         $166,911.66           5.470%             0.5455%          $910.43
      8156573         $378,651.07           5.345%             2.8182%        $10,671.08
      8157125         $52,614.54            5.470%             0.5455%          $286.99
      8157255         $85,598.28            5.470%             0.5455%          $466.90
      8157331         $147,767.98           5.220%             5.0909%         $7,522.73
      8157721         $119,275.08           5.345%             2.8182%         $3,361.39
      8157801         $296,953.30           5.470%             0.5455%         $1,619.75
      8157803         $231,176.44           5.345%             2.8182%         $6,514.97
      8157955         $147,394.92           5.345%             2.8182%         $4,153.86
      8158615         $142,497.72           5.470%             0.5455%          $777.26
      8159653         $224,209.71           5.470%             0.5455%         $1,222.96
      8159799         $153,459.09           5.470%             0.5455%          $837.05
      8161617         $383,633.32           5.345%             2.8182%        $10,811.48
      8162383         $119,560.35           4.970%             9.6364%        $11,521.27
      8162959         $94,961.70            5.345%             2.8182%         $2,676.19
      8163117         $199,282.50           5.220%             5.0909%        $10,145.29
      8163123         $98,943.76            5.220%             5.0909%         $5,037.14
      8163941         $74,900.00            5.470%             0.5455%          $408.55
      8163961         $148,974.89           5.470%             0.5455%          $812.59
      8167481         $73,341.49            5.470%             0.5455%          $400.04
      8167893         $107,122.41           5.470%             0.5455%          $584.30
      8168127         $279,016.52           5.470%             0.5455%         $1,521.91
      8168483         $117,182.54           5.345%             2.8182%         $3,302.42
      8168979         $73,000.00            5.470%             0.5455%          $398.18


 Friday, December 20, 2002                                                      Page 3 of 7

      8168995         $164,000.00           5.470%             0.5455%          $894.55
      8171113         $548,068.16           5.470%             0.5455%         $2,989.46
      8171423         $199,290.04           5.345%             2.8182%         $5,616.36
      8171577         $78,921.82            5.470%             0.5455%          $430.48
      8176773         $94,100.00            5.470%             0.5455%          $513.27
      8178855         $335,803.71           5.345%             2.8182%         $9,463.56
      8179775         $265,102.42           5.220%             5.0909%        $13,496.12
      8179831         $169,396.54           5.345%             2.8182%         $4,773.90
      8180099         $97,655.78            5.470%             0.5455%          $532.67
      8180493         $107,000.00           5.345%             2.8182%         $3,015.45
      8180519         $300,000.00           5.345%             2.8182%         $8,454.55
      8180563         $160,000.00           5.470%             0.5455%          $872.73
      8180813         $274,013.44           5.220%             5.0909%        $13,949.78
      8180927         $82,705.36            5.345%             2.8182%         $2,330.79
      8182003         $504,222.70           5.470%             0.5455%         $2,750.31
      8182937         $267,038.54           5.220%             5.0909%        $13,594.69
      8182947         $65,265.02            5.220%             5.0909%         $3,322.58
      8182953         $79,706.90            4.970%             9.6364%         $7,680.85
      8182973         $235,669.31           5.470%             0.5455%         $1,285.47
      8182991         $255,071.88           5.095%             7.3636%        $18,782.57
      8183035         $204,264.56           5.220%             5.0909%        $10,398.92
      8183043         $177,374.79           5.470%             0.5455%          $967.50
      8183049         $253,387.69           5.220%             5.0909%        $12,899.74
      8183067         $288,948.61           5.095%             7.3636%        $21,277.12
      8183075         $249,103.12           5.220%             5.0909%        $12,681.61
      8183105         $184,336.31           5.220%             5.0909%         $9,384.39
      8183109         $219,210.74           5.220%             5.0909%        $11,159.82
      8183111         $143,483.40           5.220%             5.0909%         $7,304.61
      8183125         $176,365.01           5.220%             5.0909%         $8,978.58
      8183127         $149,467.53           5.345%             2.8182%         $4,212.27
      8183129         $259,077.05           5.345%             2.8182%         $7,301.26
      8183131         $119,574.02           5.345%             2.8182%         $3,369.81
      8183143         $254,085.18           5.220%             5.0909%        $12,935.25
      8183177         $298,935.05           5.345%             2.8182%         $8,424.53
      8183179         $204,754.96           5.095%             7.3636%        $15,077.41
      8183181         $245,098.71           4.970%             9.6364%        $23,618.60
      8183201         $194,285.57           4.970%             9.6364%        $18,722.06
      8183215         $92,669.87            5.345%             2.8182%         $2,611.61
      8183247         $221,203.57           5.220%             5.0909%        $11,261.27
      8183249         $358,735.52           5.470%             0.5455%         $1,956.74
      8183261         $224,981.37           5.095%             7.3636%        $16,566.81
      8183271         $174,365.53           5.095%             7.3636%        $12,839.64
      8183273         $198,270.91           4.970%             9.6364%        $19,106.11
      8183421         $127,202.92           5.345%             2.8182%         $3,584.81
      8185055         $154,455.57           5.470%             0.5455%          $842.48
      8185747         $296,953.30           5.470%             0.5455%         $1,619.75
      8185811         $138,262.65           5.470%             0.5455%          $754.16
      8186003         $135,042.33           5.470%             0.5455%          $736.59
      8186231         $69,755.30            5.470%             0.5455%          $380.48
      8186281         $421,943.63           5.220%             5.0909%        $21,480.77
      8186315         $319,236.09           5.470%             0.5455%         $1,741.29
      8186345         $129,003.16           5.470%             0.5455%          $703.65
      8186483         $397,183.30           5.470%             0.5455%         $2,166.45
      8186495         $245,338.62           5.470%             0.5455%         $1,338.21
      8186515         $99,990.89            5.470%             0.5455%          $545.40
      8186557         $71,408.20            5.345%             2.8182%         $2,012.41
      8186595         $476,584.17           5.345%             2.8182%        $13,431.01


 Friday, December 20, 2002                                                      Page 4 of 7


      8186607         $105,005.34           5.470%             0.5455%          $572.76
      8188383         $192,820.35           5.470%             0.5455%         $1,051.75
      8188521         $115,588.22           5.345%             2.8182%         $3,257.49
      8189567         $89,000.00            5.470%             0.5455%          $485.45
      8189569         $78,800.00            5.470%             0.5455%          $429.82
      8189577         $181,360.73           5.470%             0.5455%          $989.24
      8192047         $166,413.43           5.470%             0.5455%          $907.71
      8193871         $402,087.46           5.220%             5.0909%        $20,469.91
      8195509         $162,202.27           5.470%             0.5455%          $884.74
      8196789         $133,000.00           5.095%             7.3636%         $9,793.64
      8197305         $74,836.21            5.470%             0.5455%          $408.20
      8197325         $109,000.00           5.470%             0.5455%          $594.55
      8197435         $53,100.00            5.470%             0.5455%          $289.64
      8197569         $191,300.00           5.345%             2.8182%         $5,391.18
      8201503         $428,957.97           5.470%             0.5455%         $2,339.77
      8201937         $130,000.00           5.220%             5.0909%         $6,618.18
      8203179         $600,000.00           5.470%             0.5455%         $3,272.73
      8204215         $103,634.70           5.470%             0.5455%          $565.28
      8206103         $304,000.00           5.345%             2.8182%         $8,567.27
      8206141         $123,250.00           5.345%             2.8182%         $3,473.41
      8206159         $120,000.00           5.345%             2.8182%         $3,381.82
      8206251         $209,900.00           5.345%             2.8182%         $5,915.36
      8206693         $150,000.00           5.470%             0.5455%          $818.18
      8206753         $157,600.00           5.470%             0.5455%          $859.64
      8206799         $71,400.00            5.470%             0.5455%          $389.45
      8206845         $79,200.00            5.470%             0.5455%          $432.00
      8206961         $113,500.00           5.470%             0.5455%          $619.09
      8207001         $138,000.00           5.470%             0.5455%          $752.73
      8207147         $51,269.28            5.470%             0.5455%          $279.65
      8207297         $370,679.47           5.345%             2.8182%        $10,446.42
      8207393         $277,700.00           5.470%             0.5455%         $1,514.73
      8207813         $160,000.00           5.470%             0.5455%          $872.73
      8207899         $219,000.00           5.345%             2.8182%         $6,171.82
      8208197         $137,499.69           5.095%             7.3636%        $10,124.98
      8210275         $108,000.00           5.470%             0.5455%          $589.09
      8211417         $187,000.00           5.470%             0.5455%         $1,020.00
      8212917         $337,580.46           5.345%             2.8182%         $9,513.63
      8214053         $118,820.00           5.345%             2.8182%         $3,348.56
      8215041         $75,000.00            5.470%             0.5455%          $409.09
      8215445         $86,000.00            5.470%             0.5455%          $469.09
      8215449         $88,000.00            5.470%             0.5455%          $480.00
      8215543         $225,000.00           5.220%             5.0909%        $11,454.55
      8215781         $125,500.00           5.095%             7.3636%         $9,241.36
      8216775         $263,500.00           5.470%             0.5455%         $1,437.27
      8217439         $72,000.00            5.220%             5.0909%         $3,665.45
      8218105         $570,000.00           5.470%             0.5455%         $3,109.09
      8218325         $412,000.00           5.470%             0.5455%         $2,247.27
      8218389         $285,000.00           5.470%             0.5455%         $1,554.55
      8218437         $70,600.00            5.470%             0.5455%          $385.09
      8218449         $142,500.00           5.470%             0.5455%          $777.27
      8218481         $268,000.00           5.470%             0.5455%         $1,461.82
      8219769         $136,864.00           5.220%             5.0909%         $6,967.62
      8221377         $151,500.00           5.220%             5.0909%         $7,712.73
      8221645         $90,000.00            5.470%             0.5455%          $490.91
      8221731         $225,000.00           5.345%             2.8182%         $6,340.91
      8221815         $76,729.54            5.470%             0.5455%          $418.52
      8223139         $437,175.36           5.470%             0.5455%         $2,384.59


 Friday, December 20, 2002                                                      Page 5 of 7


      8223377         $192,000.00           5.345%             2.8182%         $5,410.91
      8223703         $247,000.00           5.470%             0.5455%         $1,347.27
      8223911         $378,350.00           5.470%             0.5455%         $2,063.73
      8223945         $433,000.00           5.470%             0.5455%         $2,361.82
      8223949         $125,400.00           5.470%             0.5455%          $684.00
      8224173         $383,000.00           5.220%             5.0909%        $19,498.18
      8225733         $45,500.00            5.345%             2.8182%         $1,282.27
      8226793         $99,648.76            5.470%             0.5455%          $543.54
      8226945         $613,000.00           5.470%             0.5455%         $3,343.64
      8227145         $229,192.13           5.470%             0.5455%         $1,250.14
      8227157         $271,034.00           5.345%             2.8182%         $7,638.23
      8227173         $227,381.33           5.220%             5.0909%        $11,575.78
      8227677         $149,000.00           5.470%             0.5455%          $812.73
      8227719         $78,900.00            5.470%             0.5455%          $430.36
      8227841         $480,000.00           5.470%             0.5455%         $2,618.18
      8227857         $204,800.00           5.345%             2.8182%         $5,771.64
      8229253         $140,500.00           5.345%             2.8182%         $3,959.55
      8229461         $420,000.00           5.470%             0.5455%         $2,290.91
      8229605         $128,500.00           5.220%             5.0909%         $6,541.82
      8230299         $235,000.00           5.220%             5.0909%        $11,963.64
      8230571         $191,500.00           5.345%             2.8182%         $5,396.82
      8230593         $171,000.00           5.470%             0.5455%          $932.73
      8230621         $103,400.00           5.470%             0.5455%          $564.00
      8231001         $175,200.00           5.345%             2.8182%         $4,937.45
      8231053         $106,000.00           5.470%             0.5455%          $578.18
      8231859         $170,000.00           5.345%             2.8182%         $4,790.91
      8233351         $156,800.00           5.220%             5.0909%         $7,982.55
      8233353         $259,000.00           5.345%             2.8182%         $7,299.09
      8233555         $54,000.00            5.470%             0.5455%          $294.55
      8235123         $64,000.00            5.095%             7.3636%         $4,712.73
      8235267         $74,000.00            5.470%             0.5455%          $403.64
      8235441         $120,000.00           5.345%             2.8182%         $3,381.82
      8235533         $131,000.00           5.470%             0.5455%          $714.55
      8235595         $77,800.00            5.345%             2.8182%         $2,192.55
      8235825         $56,050.00            5.345%             2.8182%         $1,579.59
      8237371         $79,217.79            5.345%             2.8182%         $2,232.50
      8237379         $91,214.52            5.470%             0.5455%          $497.53
      8237383         $363,717.96           5.470%             0.5455%         $1,983.92
      8237385         $188,635.15           5.345%             2.8182%         $5,316.08
      8237387         $57,898.32            5.470%             0.5455%          $315.81
      8237389         $161,269.36           5.220%             5.0909%         $8,210.08
      8237397         $55,849.92            5.470%             0.5455%          $304.64
      8237399         $199,297.50           5.470%             0.5455%         $1,087.08
      8237403         $249,520.48           5.470%             0.5455%         $1,361.02
      8237445         $348,357.44           5.470%             0.5455%         $1,900.13
      8237449         $405,126.97           5.470%             0.5455%         $2,209.78
      8237473         $74,733.76            5.345%             2.8182%         $2,106.13
      8237491         $645,374.42           5.345%             2.8182%        $18,187.82
      8237495         $260,135.54           5.345%             2.8182%         $7,331.09
      8237507         $77,036.04            5.095%             7.3636%         $5,672.65
      8237511         $351,261.86           5.470%             0.5455%         $1,915.97
      8237523         $90,406.96            5.470%             0.5455%          $493.13
      8237525         $391,225.57           5.470%             0.5455%         $2,133.96
      8237543         $62,883.99            5.345%             2.8182%         $1,772.19
      8237567         $307,914.66           5.470%             0.5455%         $1,679.53
      8237575         $53,419.73            5.470%             0.5455%          $291.38
      8237579         $52,674.34            5.470%             0.5455%          $287.31


 Friday, December 20, 2002                                                      Page 6 of 7


      8237625         $125,496.70           5.470%             0.5455%          $684.53
      8237653         $173,382.33           5.345%             2.8182%         $4,886.23
      8237661         $242,146.48           5.470%             0.5455%         $1,320.80
      8237665         $47,831.40            5.470%             0.5455%          $260.90
      8237671         $198,576.75           5.345%             2.8182%         $5,596.25
      8237675         $200,976.40           5.220%             5.0909%        $10,231.53
      8237687         $176,746.58           5.470%             0.5455%          $964.07
      8237699         $188,056.42           5.220%             5.0909%         $9,573.78
      8237707         $297,842.55           5.220%             5.0909%        $15,162.89
      8237711         $64,769.26            5.345%             2.8182%         $1,825.32
      8237733         $76,586.48            5.345%             2.8182%         $2,158.35
      8238709         $103,300.00           5.470%             0.5455%          $563.45
      8238737         $90,700.00            5.470%             0.5455%          $494.73
      8238797         $88,500.00            5.470%             0.5455%          $482.73
      8238839         $120,150.00           5.470%             0.5455%          $655.36
      8238871         $109,600.00           5.470%             0.5455%          $597.82
      8239293         $122,700.00           5.095%             7.3636%         $9,035.18
      8240341         $200,000.00           5.345%             2.8182%         $5,636.36
      8243155         $95,000.00            5.345%             2.8182%         $2,677.27
      8243195         $125,000.00           5.470%             0.5455%          $681.82
      8243263         $121,500.00           5.470%             0.5455%          $662.73
      8244483         $91,300.00            5.470%             0.5455%          $498.00
      8244843         $68,000.00            5.470%             0.5455%          $370.91
      8245455         $114,596.07           5.470%             0.5455%          $625.07
      8249215         $165,000.00           5.470%             0.5455%          $900.00
      8249285         $177,600.00           5.345%             2.8182%         $5,005.09
      8249317         $160,000.00           5.470%             0.5455%          $872.73
      8249401         $71,300.00            5.095%             7.3636%         $5,250.27
      8249473         $148,000.00           5.220%             5.0909%         $7,534.55
      8249505         $60,000.00            5.470%             0.5455%          $327.27
      8250075         $221,000.00           5.220%             5.0909%        $11,250.91
      8250217         $63,318.00            5.470%             0.5455%          $345.37
      8253925         $72,000.00            5.220%             5.0909%         $3,665.45
      8254133         $74,000.00            5.470%             0.5455%          $403.64
      8255373         $93,800.00            5.095%             7.3636%         $6,907.09
      8255717         $91,500.00            5.470%             0.5455%          $499.09
      8256783         $496,000.00           5.345%             2.8182%        $13,978.18
      8257469         $130,400.00           5.095%             7.3636%         $9,602.18
      8262815         $90,000.00            5.220%             5.0909%         $4,581.82
      8266745         $350,000.00           5.470%             0.5455%         $1,909.09
      8271467         $92,000.00            5.220%             5.0909%         $4,683.64
      8274691         $100,000.00           5.220%             5.0909%         $5,090.91
      8276631         $282,000.00           5.470%             0.5455%         $1,538.18
      8329998         $163,423.96           5.470%             0.5455%          $891.40
      8331368         $348,770.64           5.470%             0.5455%         $1,902.39
      8335264         $368,686.57           5.345%             2.8182%        $10,390.26



 Friday, December 20, 2002                                                      Page 7 of 7

</TABLE>


<PAGE>






                                  EXHIBIT THREE

                          INFORMATION TO BE INCLUDED IN
                       MONTHLY DISTRIBUTION DATE STATEMENT

(i) (a) the amount of such distribution to the  Certificateholders of such Class
applied  to  reduce  the  Certificate  Principal  Balance  thereof,  and (b) the
aggregate amount included therein representing Principal Prepayments;

(ii) the amount of such  distribution  to Holders of such Class of  Certificates
allocable to interest;

(iii) if the  distribution  to the Holders of such Class of Certificates is less
than the full amount that would be  distributable  to such Holders if there were
sufficient funds available therefor, the amount of the shortfall;

(iv) the amount of any Advance by the Master Servicer pursuant to Section 4.04;

(v) the number and Pool Stated  Principal  Balance of the  Mortgage  Loans after
giving effect to the distribution of principal on such Distribution Date;

(vi) the aggregate  Certificate  Principal Balance of each Class of Certificates
and each of the Senior Percentage and Subordinate Class Percentage, after giving
effect  to  the  amounts  distributed  on  such  Distribution  Date,  separately
identifying any reduction  thereof due to Realized Losses other than pursuant to
an actual distribution of principal;

(vii) the  related  Subordinate  Principal  Distribution  Amount and  Prepayment
Distribution Percentage, if applicable;

(viii) on the basis of the most recent reports furnished to it by Sub-Servicers,
the  number  and  aggregate  principal  balances  of  Mortgage  Loans  that  are
Delinquent (A) 30-59 days, (B) 60-89 days and (C) 90 or more days and the number
and aggregate principal balance of Mortgage Loans that are in foreclosure;

(ix)  the  number,  aggregate  principal  balance  and  book  value  of any  REO
Properties;

(x) the aggregate  Accrued  Certificate  Interest  remaining unpaid, if any, for
each Class of Certificates, after giving effect to the distribution made on such
Distribution Date;

(xi) the Special  Hazard Amount,  Fraud Loss Amount and Bankruptcy  Amount as of
the close of business on such  Distribution Date and a description of any change
in the calculation of such amounts;

(xii) the weighted  average Pool Strip Rate for such  Distribution  Date and the
Pass-Through  Rate with respect to the Class A-V Certificates and each Subclass,
if any, thereof;

(xiii)  the  Notional  Amount  with  respect  to each  class  of  Interest  Only
Certificates and each Subclass Notional Amount;

(xiv)   the occurrence of the Credit Support Depletion Date;


<PAGE>


(xv) the related Senior Accelerated  Distribution  Percentage applicable to such
distribution;

(xvi)   the related Senior Percentage for such Distribution Date;

(xvii)  the aggregate amount of Realized Losses for such Distribution Date;

(xviii) the aggregate  amount of any recoveries on previously  foreclosed  loans
from  Sellers due to a breach of a  representation  or warranty  assigned to the
Trustee pursuant to Section 2.04;

(xix) the weighted  average  remaining  term to maturity of the  Mortgage  Loans
after giving effect to the amounts distributed on such Distribution Date; and

(xx) the weighted  average  Mortgage  Rates of the  Mortgage  Loans after giving
effect to the amounts distributed on such Distribution Date.

        In the case of  information  furnished  pursuant to clauses (i) and (ii)
above,  the amounts shall be expressed as a dollar amount per Certificate with a
$1,000 denomination.

        The Trustee's internet website, and assistance in using the website, can
be  obtained  by  calling  the  Trustee's  Shareholder  Relations  desk at (800)
735-7777.  To receive this statement via first class mail, telephone the Trustee
at (800) 735-7777.



<PAGE>






                                  EXHIBIT FOUR

                     STANDARD TERMS OF POOLING AND SERVICING
                      AGREEMENT DATED AS OF AUGUST 1, 2002


                                 EXECUTION COPY


================================================================================







                                STANDARD TERMS OF
                         POOLING AND SERVICING AGREEMENT



                           Dated as of August 1, 2002



                        Residential Accredit Loans, Inc.
                 Mortgage Asset-Backed Pass-Through Certificates




================================================================================




<PAGE>
<TABLE>
<CAPTION>


                                TABLE OF CONTENTS

                                                                                            PAGE


                                                -i-

<S>                                                                                        <C>
Article I         DEFINITIONS...............................................................2

        Section 1.01. Definitions...........................................................2

        Section 1.02. Use of Words and Phrases.............................................31

Article II        CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES..........32

        Section 2.01. Conveyance of Mortgage Loans.........................................32

        Section 2.02. Acceptance by Trustee................................................38

        Section 2.03. Representations, Warranties and Covenants of the Master Servicer
               and the Company.............................................................39

        Section 2.04. Representations and Warranties of Sellers............................41

        Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates
               Evidencing Interests in REMIC I Certificates................................43

        Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular Interests;
               Acceptance by the Trustee...................................................43

        Section 2.07. Issuance of Certificates Evidencing Interests in REMIC II............43

        Section 2.08. Purposes and Powers of the Trust.....................................43

Article III       ADMINISTRATION AND SERVICING OF MORTGAGE LOANS...........................44

        Section 3.01. Master Servicer to Act as Servicer...................................44

        Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement
               of Subservicers' and Sellers' Obligations...................................45

        Section 3.03. Successor Subservicers...............................................46

        Section 3.04. Liability of the Master Servicer.....................................47

        Section 3.05. No Contractual Relationship Between Subservicer and Trustee or
               Certificateholders..........................................................47

        Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee..... 47

        Section 3.07. Collection of Certain Mortgage Loan Payments;  Deposits to Custodial Account
               48

        Section 3.08. Subservicing Accounts; Servicing Accounts............................50

        Section 3.09. Access to Certain Documentation and  Information Regarding the
                        Mortgage Loans ....................................................52

        Section 3.10. Permitted Withdrawals from the Custodial Account.....................52

<PAGE>


        Section 3.11. Maintenance of the Primary Insurance  Policies; Collections Thereunder54

        Section 3.12. Maintenance of Fire Insurance and  Omissions and Fidelity Coverage...55

        Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and  Modification Agreements;
               Certain Assignments.........................................................56

        Section 3.14. Realization Upon Defaulted Mortgage Loans............................58

        Section 3.15. Trustee to Cooperate; Release of Mortgage Files......................61

        Section 3.16. Servicing and Other Compensation; Compensating Interest..............63

        Section 3.17. Reports to the Trustee and the Company...............................64

        Section 3.18. Annual Statement as to Compliance....................................64

        Section 3.19. Annual Independent Public Accountants' Servicing Report..............64

        Section 3.20. Rights of the Company in Respect of the Master Servicer..............65

        Section 3.21. Administration of Buydown Funds......................................65

Article IV        PAYMENTS TO CERTIFICATEHOLDERS...........................................67

        Section 4.01. Certificate Account..................................................67

        Section 4.02. Distributions........................................................67

        Section 4.03. Statements to Certificateholders.....................................67

        Section 4.04. Distribution of Reports to the Trustee and  the Company; Advances by the
               Master Servicer.............................................................68

        Section 4.05. Allocation of Realized Losses........................................70

        Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property........70

        Section 4.07. Optional Purchase of Defaulted Mortgage Loans........................70

        Section 4.08. Surety Bond..........................................................70

Article V         THE CERTIFICATES.........................................................72

        Section 5.01. The Certificates.....................................................72

        Section 5.02. Registration of Transfer and Exchange of Certificates................74

        Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates....................79

        Section 5.04. Persons Deemed Owners................................................80

        Section 5.05. Appointment of Paying Agent..........................................80
<PAGE>


Article VI        THE COMPANY AND THE MASTER SERVICER......................................81

        Section 6.01. Respective Liabilities of the Company and the Master Servicer........81

        Section 6.02. Merger or Consolidation of the Company or the Master Servicer; Assignment of
               Rights and Delegation of Duties by Master Servicer..........................81

        Section 6.03. Limitation on Liability of the Company,  the Master Servicer and Others 82

        Section 6.04. Company and Master Servicer Not to Resign............................83

Article VII       DEFAULT..................................................................84

        Section 7.01. Events of Default....................................................84

        Section 7.02. Trustee or Company to Act; Appointment of Successor..................86

        Section 7.03. Notification to Certificateholders...................................87

        Section 7.04. Waiver of Events of Default..........................................87

Article VIII      CONCERNING THE TRUSTEE...................................................88

        Section 8.01. Duties of Trustee....................................................88

        Section 8.02. Certain Matters Affecting the Trustee................................89

        Section 8.03. Trustee Not Liable for Certificates or Mortgage Loans................91

        Section 8.04. Trustee May Own Certificates.........................................91

        Section 8.05. Master Servicer to Pay Trustee's Fees  and Expenses; Indemnification.91

        Section 8.06. Eligibility Requirements for Trustee.................................92

        Section 8.07. Resignation and Removal of the Trustee...............................93

        Section 8.08. Successor Trustee....................................................93

        Section 8.09. Merger or Consolidation of Trustee...................................94

        Section 8.10. Appointment of Co-Trustee or Separate Trustee........................94

        Section 8.11. Appointment of Custodians............................................95

        Section 8.12. Appointment of Office or Agency......................................96

Article IX        TERMINATION OR OPTIONAL PURCHASE OF ALL CERTIFICATES.....................97

        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...97
<PAGE>


        Section 9.02. Additional Termination Requirements.................................100

        Section 9.03. Termination of Multiple REMICs......................................101

Article X         REMIC PROVISIONS........................................................102

        Section 10.01.REMIC Administration................................................102

        Section 10.02.Master Servicer, REMIC Administrator and Trustee Indemnification....105

        Section 10.03.Designation of REMIC(s).............................................106

Article XI        MISCELLANEOUS PROVISIONS................................................107

        Section 11.01.Amendment...........................................................107

        Section 11.02.Recordation of Agreement; Counterparts..............................109

        Section 11.03.Limitation on Rights of Certificateholders..........................110

        Section 11.04.Governing Law.......................................................110

        Section 11.05.Notices.............................................................111

        Section 11.06.Required Notices to Rating Agency and Subservicer...................111

        Section 11.07.Severability of Provisions..........................................111

        Section 11.08.Supplemental Provisions for Resecuritization........................112

        Section 11.09.Allocation of Voting Rights.........................................112

        Section 11.10.No Petition.........................................................112



<PAGE>



                                    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

</TABLE>


<PAGE>


        This is the Standard Terms of Pooling and Servicing Agreement,  dated as
of August 1, 2002 (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:


<PAGE>

                                   ARTICLE I

                                   DEFINITIONS

Section 1.01.  Definitions.

        Whenever used in this Agreement, the following words and phrases, unless
the  context  otherwise  requires,  shall have the  meanings  specified  in this
Article.

        Accretion Termination Date:  As defined in the Series Supplement.

        Accrual Certificates:  As defined in the Series Supplement.

        Accrued Certificate Interest: With respect to each Distribution Date, as
to any  Class  or  Subclass  of  Certificates  (other  than any  Principal  Only
Certificates),  interest  accrued during the related  Interest Accrual Period at
the related  Pass-Through Rate on the Certificate  Principal Balance or Notional
Amount thereof  immediately prior to such Distribution Date. Accrued Certificate
Interest will be calculated on the basis of a 360-day year, consisting of twelve
30-day  months.  In each  case  Accrued  Certificate  Interest  on any  Class or
Subclass of Certificates will be reduced by the amount of:

        (i)    Prepayment  Interest  Shortfalls on all Mortgage Loans or, if the
               Mortgage  Pool is comprised  of two or more Loan  Groups,  on the
               Mortgage  Loans in the  related  Loan  Group (to the  extent  not
               offset by the  Master  Servicer  with a payment  of  Compensating
               Interest as provided in Section 4.01),

         (ii)  the interest  portion  (adjusted to the Net Mortgage Rate (or the
               Modified  Net  Mortgage  Rate in the case of a Modified  Mortgage
               Loan))  of  Realized  Losses  on all  Mortgage  Loans  or, if the
               Mortgage  Pool is comprised  of two or more Loan  Groups,  on the
               Mortgage  Loans  in the  related  Loan  Group  (including  Excess
               Special Hazard  Losses,  Excess Fraud Losses,  Excess  Bankruptcy
               Losses and  Extraordinary  Losses) not allocated solely to one or
               more specific Classes of Certificates pursuant to Section 4.05,

         (iii) the interest  portion of Advances that were (A)  previously  made
               with  respect to a Mortgage  Loan or REO Property on all Mortgage
               Loans or, if the  Mortgage  Pool is comprised of two or more Loan
               Groups,  on the Mortgage  Loans in the related Loan Group,  which
               remained  unreimbursed  following  the  Cash  Liquidation  or REO
               Disposition  of such  Mortgage  Loan or REO Property and (B) made
               with respect to delinquencies that were ultimately  determined to
               be Excess  Special  Hazard  Losses,  Excess Fraud Losses,  Excess
               Bankruptcy Losses or Extraordinary Losses, and

        (iv)   any other interest  shortfalls  not covered by the  subordination
               provided by the Class M  Certificates  and Class B  Certificates,
               including  interest  that is not  collectible  from the Mortgagor
               pursuant to the Soldiers' and Sailors'  Civil Relief Act of 1940,
               as amended,  or similar  legislation  or regulations as in effect
               from time to time,

                                       2
<PAGE>

with  all  such  reductions  allocated  (A)  among  all of the  Certificates  in
proportion to their respective amounts of Accrued  Certificate  Interest payable
on such  Distribution Date absent such reductions or (B) if the Mortgage Pool is
comprised  of two or more Loan Groups,  the related  Senior  Percentage  of such
reductions among the related Senior Certificates in proportion to the amounts of
Accrued  Certificate  Interest  payable  from  the  related  Loan  Group on such
Distribution Date absent such reductions,  with the remainder of such reductions
allocated among the holders of the Class M Certificates and Class B Certificates
in  proportion  to their  respective  amounts  of Accrued  Certificate  Interest
payable on such  Distribution  Date absent such reductions.  In addition to that
portion of the reductions described in the preceding sentence that are allocated
to any  Class  of Class B  Certificates  or any  Class of Class M  Certificates,
Accrued Certificate Interest on such Class of Class B Certificates or such Class
of Class M Certificates will be reduced by the interest portion (adjusted to the
Net Mortgage Rate) of Realized Losses that are allocated solely to such Class of
Class B Certificates  or such Class of Class M Certificates  pursuant to Section
4.05.

     Addendum and Assignment  Agreement:  The Addendum and Assignment Agreement,
dated as of January 31, 1995, between MLCC and the Master Servicer.

        Additional  Collateral:  Any of the  following  held, in addition to the
related  Mortgaged  Property,  as security for a Mortgage  Loan:  (i) all money,
securities,  security  entitlements,   accounts,  general  intangibles,  payment
rights,  instruments,  documents,  deposit  accounts,  certificates  of deposit,
commodities  contracts  and other  investment  property  and other  property  of
whatever kind or description now existing or hereafter acquired which is pledged
as  security  for  the  repayment  of  such  Mortgage  Loan,  (ii)   third-party
guarantees,  and (A) all money,  securities,  security  entitlements,  accounts,
general intangibles,  payment rights, instruments,  documents, deposit accounts,
certificates of deposit, commodities contracts and other investment property and
other  property of  whatever  kind or  description  now  existing  or  hereafter
acquired  which is pledged as collateral for such guarantee or (B) any mortgaged
property  securing  the  performance  of such  guarantee,  or (iii)  such  other
collateral as may be set forth in the Series Supplement.

     Additional  Collateral  Loan:  Each  Mortgage  Loan  that is  supported  by
Additional Collateral.

        Adjusted  Mortgage Rate:  With respect to any Mortgage Loan and any date
of determination, the Mortgage Rate borne by the related Mortgage Note, less the
rate at which the related Subservicing Fee accrues.

     Advance:  As to any Mortgage Loan, any advance made by the Master Servicer,
pursuant to Section 4.04.

        Affiliate:  With respect to any Person,  any other  Person  controlling,
controlled by or under common  control with such first Person.  For the purposes
of this  definition,  "control"  means the power to direct  the  management  and
policies of such Person,  directly or indirectly,  whether through the ownership
of voting securities,  by contract or otherwise; and the terms "controlling" and
"controlled" have meanings correlative to the foregoing.

                                       3
<PAGE>

     Ambac:  Ambac  Assurance  Corporation  (formerly  known as AMBAC  Indemnity
Corporation).

        Amount Held for Future  Distribution:  As to any Distribution  Date and,
with respect to any Mortgage  Pool that is comprised of two or more Loan Groups,
each Loan Group,  the total of the amounts held in the Custodial  Account at the
close  of  business  on the  preceding  Determination  Date  on  account  of (i)
Liquidation Proceeds, Subsequent Recoveries,  Insurance Proceeds,  Curtailments,
Mortgage Loan  purchases made pursuant to Section 2.02,  2.03,  2.04 or 4.07 and
Mortgage  Loan  substitutions  made pursuant to Section 2.03 or 2.04 received or
made in the  month  of such  Distribution  Date  (other  than  such  Liquidation
Proceeds,  Insurance  Proceeds and  purchases of Mortgage  Loans that the Master
Servicer has deemed to have been received in the  preceding  month in accordance
with Section 3.07(b)),  and Principal Prepayments in Full made after the related
Prepayment  Period, and (ii) payments which represent early receipt of scheduled
payments of  principal  and interest  due on a date or dates  subsequent  to the
related Due Date.

        Appraised  Value:  As to any Mortgaged  Property,  the lesser of (i) the
appraised value of such Mortgaged  Property based upon the appraisal made at the
time of the  origination of the related  Mortgage Loan, and (ii) the sales price
of the Mortgaged  Property at such time of origination,  except in the case of a
Mortgaged  Property  securing a refinanced or modified Mortgage Loan as to which
it is  either  the  appraised  value  determined  above or the  appraised  value
determined in an appraisal at the time of  refinancing or  modification,  as the
case may be.

        Assigned  Contracts:  With respect to any Pledged Asset Loan: the Credit
Support Pledge Agreement; the Funding and Pledge Agreement,  among GMAC Mortgage
Corporation,  National Financial Services Corporation and the Mortgagor or other
person pledging the related Pledged Assets; the Additional Collateral Agreement,
between GMAC Mortgage Corporation and the Mortgagor or other person pledging the
related  Pledged  Assets;  or such  other  contracts  as may be set forth in the
Series Supplement.

        Assignment:  An  assignment  of the  Mortgage,  notice  of  transfer  or
equivalent  instrument,  in recordable  form,  sufficient  under the laws of the
jurisdiction  wherein  the related  Mortgaged  Property is located to reflect of
record  the  sale  of the  Mortgage  Loan to the  Trustee  for  the  benefit  of
Certificateholders,   which   assignment,   notice  of  transfer  or  equivalent
instrument  may be in the  form  of one or  more  blanket  assignments  covering
Mortgages  secured  by  Mortgaged  Properties  located  in the same  county,  if
permitted by law and accompanied by an Opinion of Counsel to that effect.

        Assignment Agreement: The Assignment and Assumption Agreement, dated the
Closing  Date,  between  Residential  Funding  and the  Company  relating to the
transfer and assignment of the Mortgage Loans.

        Assignment of Proprietary Lease: With respect to a Cooperative Loan, the
assignment of the related Cooperative Lease from the Mortgagor to the originator
of the Cooperative Loan.

        Available  Distribution  Amount:  As to any Distribution  Date and, with
respect to any Mortgage  Pool  comprised  of two or more Loan Groups,  each Loan
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


                                       4
<PAGE>

immediately preceding  Determination Date, including any Subsequent  Recoveries,
and  amounts   deposited  in  the  Custodial  Account  in  connection  with  the
substitution  of Qualified  Substitute  Mortgage  Loans,  (ii) the amount of any
Advance made on the  immediately  preceding  Certificate  Account  Deposit Date,
(iii) any amount deposited in the Certificate Account on the related Certificate
Account Deposit Date pursuant to the second paragraph of Section  3.12(a),  (iv)
any amount  deposited in the Certificate  Account  pursuant to Section 4.07, (v)
any amount  that the Master  Servicer  is not  permitted  to  withdraw  from the
Custodial Account or the Certificate  Account pursuant to Section 3.16(e),  (vi)
any amount  received  by the  Trustee  pursuant to the Surety Bond in respect of
such  Distribution Date and (vii) the proceeds of any Pledged Assets received by
the Master  Servicer,  reduced by (b) the sum as of the close of business on the
immediately  preceding  Determination Date of (w) aggregate Foreclosure Profits,
(x) the Amount Held for Future  Distribution,  and (y) amounts  permitted  to be
withdrawn by the Master  Servicer from the  Custodial  Account in respect of the
Mortgage Loans pursuant to clauses (ii)-(x), inclusive, of Section 3.10(a). Such
amount shall be determined  separately for each Loan Group.  Additionally,  with
respect to any Mortgage Pool that is comprised of two or more Loan Groups, if on
any Distribution  Date  Compensating  Interest provided pursuant to this Section
3.16(e) is less than  Prepayment  Interest  Shortfalls  incurred on the Mortgage
Loans in connection with Principal  Prepayments in Full and Curtailments made in
the prior calendar month, such Compensating  Interest shall be allocated on such
Distribution Date to the Available  Distribution Amount for each Loan Group on a
pro rata basis in  accordance  with the  respective  amounts of such  Prepayment
Interest Shortfalls incurred on the Mortgage Loans in such Loan Group in respect
of such Distribution Date.

        Bankruptcy Code:  The Bankruptcy Code of 1978, as amended.
        ---------------

        Bankruptcy  Loss:  With  respect  to  any  Mortgage  Loan,  a  Deficient
Valuation or Debt Service Reduction; provided, however, that neither a Deficient
Valuation  nor a Debt  Service  Reduction  shall  be  deemed a  Bankruptcy  Loss
hereunder  so long as the Master  Servicer  has  notified the Trustee in writing
that the Master  Servicer is diligently  pursuing any remedies that may exist in
connection  with the  representations  and warranties made regarding the related
Mortgage  Loan and either (A) the related  Mortgage  Loan is not in default with
regard to payments due  thereunder or (B)  delinquent  payments of principal and
interest  under the related  Mortgage  Loan and any  premiums on any  applicable
primary hazard  insurance  policy and any related escrow  payments in respect of
such Mortgage Loan are being advanced on a current basis by the Master  Servicer
or a  Subservicer,  in either case  without  giving  effect to any Debt  Service
Reduction.

        Book-Entry  Certificate:  Any Certificate  registered in the name of the
Depository or its nominee,  and designated as such in the Preliminary  Statement
to the Series Supplement.

        Business  Day:  Any day other than (i) a Saturday  or a Sunday or (ii) a
day on which  banking  institutions  in the  State  of New  York,  the  State of
Michigan, the State of California or the State of Illinois (and such other state
or states in which the Custodial  Account or the Certificate  Account are at the
time located) are required or authorized by law or executive order to be closed.

                                       5
<PAGE>

        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.

        Cash  Liquidation:  As to  any  defaulted  Mortgage  Loan  other  than a
Mortgage Loan as to which an REO Acquisition  occurred,  a determination  by the
Master  Servicer  that  it has  received  all  Insurance  Proceeds,  Liquidation
Proceeds  and  other  payments  or cash  recoveries  which the  Master  Servicer
reasonably and in good faith expects to be finally  recoverable  with respect to
such Mortgage Loan.

     Certificate Account Deposit Date: As to any Distribution Date, the Business
Day prior thereto.

        Certificateholder  or Holder:  The Person in whose name a Certificate is
registered  in  the  Certificate  Register,  and,  in  respect  of  any  Insured
Certificates,  the  Certificate  Insurer to the extent of  Cumulative  Insurance
Payments,  except that  neither a  Disqualified  Organization  nor a  Non-United
States  Person shall be a holder of a Class R  Certificate  for purposes  hereof
and, solely for the purpose of giving any consent or direction  pursuant to this
Agreement, any Certificate, other than a Class R Certificate,  registered in the
name of the Company,  the Master  Servicer or any  Subservicer  or any Affiliate
thereof shall be deemed not to be  outstanding  and the  Percentage  Interest or
Voting Rights  evidenced  thereby shall not be taken into account in determining
whether the requisite amount of Percentage  Interests or Voting Rights necessary
to effect any such consent or direction has been obtained. All references herein
to "Holders" or  "Certificateholders"  shall  reflect the rights of  Certificate
Owners as they may  indirectly  exercise such rights  through the Depository and
participating members thereof,  except as otherwise specified herein;  provided,
however,  that the  Trustee  shall be  required  to  recognize  as a "Holder" or
"Certificateholder" only the Person in whose name a Certificate is registered in
the Certificate Register.

        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

                                       6
<PAGE>

     (iii)in the  case of each  Accrual  Certificate,  an  amount  equal  to the
          aggregate  Accrued  Certificate  Interest  added  to  the  Certificate
          Principal Balance thereof prior to such date of determination, minus

     (iv) the sum of (x) the  aggregate  of all amounts  previously  distributed
          with respect to such Certificate (or any predecessor  Certificate) and
          applied to reduce the Certificate  Principal  Balance thereof pursuant
          to  Section  4.02(a)  and  (y)  the  aggregate  of all  reductions  in
          Certificate  Principal  Balance  deemed to have occurred in connection
          with  Realized  Losses  which  were   previously   allocated  to  such
          Certificate (or any predecessor Certificate) pursuant to Section 4.05;

provided,  that the  Certificate  Principal  Balance of each  Certificate of the
Class of  Subordinate  Certificates  with the Lowest  Priority at any given time
shall  be  further  reduced  by an  amount  equal  to  the  Percentage  Interest
represented  by such  Certificate  multiplied by the excess,  if any, of (A) the
then aggregate Certificate Principal Balance of all Classes of Certificates then
outstanding over (B) the then aggregate Stated Principal Balance of the Mortgage
Loans.

     Certificate Register and Certificate Registrar: The register maintained and
the registrar appointed pursuant to Section 5.02.

        Class:   Collectively,   all  of  the  Certificates   bearing  the  same
designation.  The initial Class A-V Certificates and any Subclass thereof issued
pursuant  to  Section  5.01(c)  shall be a single  Class  for  purposes  of this
Agreement.

     Class A-P Certificate:  Any one of the  Certificates  designated as a Class
A-P Certificate.

        Class A-P Collection Shortfall:  With respect to the Cash Liquidation or
REO  Disposition  of a Discount  Mortgage Loan and any  Distribution  Date,  the
excess of the  amount  described  in  Section  4.02(b)(i)(C)(1)  over the amount
described in Section 4.02(b)(i)(C)(2).

        Class A-P Principal Distribution Amount:  As defined in Section 4.02.

     Class A-V Certificate:  Any one of the  Certificates  designated as a Class
A-V Certificate, including any Subclass thereof.

        Class B Certificate:  Any one of the Certificates  designated as a Class
B-1 Certificate, Class B-2 Certificate or Class B-3 Certificate.

        Class M Certificate:  Any one of the Certificates  designated as a Class
M-1 Certificate, Class M-2 Certificate or Class M-3 Certificate.

        Closing Date:  As defined in the Series Supplement.

        Code:  The Internal Revenue Code of 1986.

     Combined  Collateral  LLC:  Combined  Collateral  LLC, a  Delaware  limited
liability company.

                                       7
<PAGE>

        Compensating Interest:  With respect to any Distribution Date, an amount
equal to Prepayment Interest Shortfalls resulting from Principal  Prepayments in
Full  during the related  Prepayment  Period and  Curtailments  during the prior
calendar  month and  included  in the  Available  Distribution  Amount  for such
Distribution  Date, but not more than the lesser of (a) one-twelfth of 0.125% of
the Stated Principal  Balance of the Mortgage Loans  immediately  preceding such
Distribution  Date and (b) the sum of the  Servicing Fee and all income and gain
on amounts held in the Custodial Account and the Certificate Account and payable
to the Certificateholders  with respect to such Distribution Date; provided that
for  purposes of this  definition  the amount of the  Servicing  Fee will not be
reduced pursuant to Section 7.02 except as may be required  pursuant to the last
sentence of such Section.

        Cooperative:  A private,  cooperative  housing corporation which owns or
leases land and all or part of a building or  buildings,  including  apartments,
spaces used for commercial  purposes and common areas therein and whose board of
directors authorizes, among other things, the sale of Cooperative Stock.

        Cooperative  Apartment:  A dwelling  unit in a  multi-dwelling  building
owned or leased by a  Cooperative,  which unit the  Mortgagor  has an  exclusive
right to  occupy  pursuant  to the  terms of a  proprietary  lease or  occupancy
agreement.

        Cooperative  Lease:  With respect to a Cooperative Loan, the proprietary
lease or occupancy agreement with respect to the Cooperative  Apartment occupied
by the Mortgagor and relating to the related  Cooperative  Stock, which lease or
agreement  confers an exclusive right to the holder of such Cooperative Stock to
occupy such apartment.

        Cooperative  Loans:  Any of the  Mortgage  Loans  made in  respect  of a
Cooperative  Apartment,  evidenced  by a  Mortgage  Note  and  secured  by (i) a
Security  Agreement,  (ii) the related  Cooperative Stock Certificate,  (iii) an
assignment of the Cooperative  Lease, (iv) financing  statements and (v) a stock
power (or other  similar  instrument),  and  ancillary  thereto,  a  recognition
agreement  between the Cooperative  and the originator of the Cooperative  Loan,
each of which was  transferred  and assigned to the Trustee  pursuant to Section
2.01 and are from time to time held as part of the Trust Fund.

     Cooperative   Stock:  With  respect  to  a  Cooperative  Loan,  the  single
outstanding class of stock,  partnership  interest or other ownership instrument
in the related Cooperative.

     Cooperative  Stock  Certificate:  With respect to a Cooperative  Loan,  the
stock certificate or other instrument evidencing the related Cooperative Stock.

        Credit Support Depletion Date: The first  Distribution Date on which the
Certificate Principal Balances of the Subordinate Certificates have been reduced
to zero.

        Credit Support Pledge  Agreement:  The Credit Support Pledge  Agreement,
dated as of  November  24,  1998,  among  the  Master  Servicer,  GMAC  Mortgage
Corporation, Combined Collateral LLC and The First National Bank of Chicago (now
known as Bank One, National Association), as custodian.

        Cumulative Insurance Payments:  As defined in the Series Supplement.

                                       8
<PAGE>

     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, 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.
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.

                                       9
<PAGE>

        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
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.

                                       10
<PAGE>

        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.

     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


                                       11
<PAGE>

immediately  prior to such  Distribution  Date  over  the  aggregate  amount  of
Realized  Losses  to be  allocated  to  such  classes  of  Certificates  on such
Distribution  Date as  reduced  by any  amount  calculated  pursuant  to Section
4.02(b)(i)(E).  With  respect to any  Mortgage  Pool that is comprised of two or
more Loan  Groups,  the Excess  Subordinate  Principal  Amount will be allocated
between  each Loan  Group on a pro rata basis in  accordance  with the amount of
Realized   Losses   attributable  to  each  Loan  Group  and  allocated  to  the
Certificates on such Distribution Date.

        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.

     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.

                                       12
<PAGE>

     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.

     Fraud Losses:  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.

        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.

                                       13
<PAGE>

        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.

        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.

                                       14
<PAGE>

        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.

     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.

                                       15
<PAGE>

        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.

     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.

                                       16
<PAGE>

     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 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.  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.

        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.

                                       17
<PAGE>

        Percentage Interest: With respect to any Certificate (other than a Class
R Certificate), the undivided percentage ownership interest in the related Class
evidenced by such  Certificate,  which  percentage  ownership  interest shall be
equal to the Initial  Certificate  Principal Balance thereof or Initial Notional
Amount (in the case of any Interest  Only  Certificate)  thereof  divided by the
aggregate Initial Certificate  Principal Balance or the aggregate of the Initial
Notional Amounts, as applicable, of all the Certificates of the same Class. With
respect to a Class R Certificate,  the interest in distributions to be made with
respect to such Class evidenced thereby, expressed as a percentage, as stated on
the face of each such Certificate.

        Permitted Investments:  One or more of the following:

(i)     obligations  of or guaranteed as to principal and interest by the United
        States or any agency or  instrumentality  thereof when such  obligations
        are backed by the full faith and credit of the United States;

(ii)    repurchase  agreements on  obligations  specified in clause (i) maturing
        not more than one month from the date of acquisition  thereof,  provided
        that the unsecured  obligations of the party agreeing to repurchase such
        obligations  are at the time rated by each Rating  Agency in its highest
        short-term rating available;

(iii)federal funds,  certificates of deposit, demand deposits, time deposits and
     bankers'  acceptances  (which  shall each have an original  maturity of not
     more than 90 days and,  in the case of  bankers'  acceptances,  shall in no
     event  have an  original  maturity  of more  than 365  days or a  remaining
     maturity of more than 30 days)  denominated in United States dollars of any
     U.S. depository institution or trust company incorporated under the laws of
     the  United  States or any state  thereof  or of any  domestic  branch of a
     foreign  depository  institution or trust  company;  provided that the debt
     obligations  of such  depository  institution  or trust company (or, if the
     only  Rating  Agency is  Standard  & Poor's,  in the case of the  principal
     depository  institution in a depository  institution holding company,  debt
     obligations of the depository  institution  holding company) at the date of
     acquisition  thereof  have been rated by each Rating  Agency in its highest
     short-term rating available;  and provided further that, if the only Rating
     Agency is  Standard & Poor's and if the  depository  or trust  company is a
     principal  subsidiary of a bank holding company and the debt obligations of
     such subsidiary are not separately  rated,  the applicable  rating shall be
     that of the bank  holding  company;  and,  provided  further  that,  if the
     original maturity of such short-term  obligations of a domestic branch of a
     foreign  depository  institution or trust company shall exceed 30 days, the
     short-term rating of such institution shall be A-1+ in the case of Standard
     & Poor's if Standard & Poor's is the Rating Agency;

(iv)    commercial  paper and demand notes  (having  original  maturities of not
        more than 365 days) of any  corporation  incorporated  under the laws of
        the United States or any state thereof which on the date of  acquisition
        has been rated by each Rating  Agency in its highest  short-term  rating
        available;  provided that such  commercial  paper shall have a remaining
        maturity of not more than 30 days;

                                       18
<PAGE>

(v)  a money  market  fund or a qualified  investment  fund rated by each Rating
     Agency in its highest long-term rating available; and

(vi) other  obligations or securities  that are acceptable to each Rating Agency
     as a Permitted Investment hereunder and will not reduce the rating assigned
     to any Class of  Certificates  by such Rating Agency below the lower of the
     then-current  rating or the rating assigned to such  Certificates as of the
     Closing Date by such Rating Agency, as evidenced in writing;

provided,  however,  no  instrument  shall  be  a  Permitted  Investment  if  it
represents,  either (1) the right to receive only interest payments with respect
to the underlying debt instrument or (2) the right to receive both principal and
interest  payments derived from  obligations  underlying such instrument and the
principal and interest payments with respect to such instrument  provide a yield
to maturity greater than 120% of the yield to maturity at par of such underlying
obligations.  References  herein to the highest  rating  available  on unsecured
long-term debt shall mean AAA in the case of Standard & Poor's and Fitch and Aaa
in the case of Moody's, and references herein to the highest rating available on
unsecured commercial paper and short-term debt obligations shall mean A-1 in the
case of Standard & Poor's, P-1 in the case of Moody's and either A-1 by Standard
& Poor's, P-1 by Moody's or F-1 by Fitch in the case of Fitch.

     Permitted Transferee: Any Transferee of a Class R Certificate, other than a
Disqualified Organization or Non-United States Person.

        Person:   Any  individual,   corporation,   limited  liability  company,
partnership,   joint   venture,   association,   joint-stock   company,   trust,
unincorporated organization or government or any agency or political subdivision
thereof.

     Pledged Amount: With respect to any Pledged Asset Loan, the amount of money
remitted to Combined  Collateral  LLC, at the direction of or for the benefit of
the related Mortgagor.

        Pledged  Asset Loan:  Any Mortgage Loan  supported by Pledged  Assets or
such other collateral,  other than the related Mortgaged Property,  set forth in
the Series Supplement.

        Pledged   Assets:   With  respect  to  any  Mortgage  Loan,  all  money,
securities,  security  entitlements,   accounts,  general  intangibles,  payment
intangibles,  instruments, documents, deposit accounts, certificates of deposit,
commodities  contracts  and other  investment  property  and other  property  of
whatever kind or description  pledged by Combined  Collateral LLC as security in
respect of any Realized  Losses in connection  with such Mortgage Loan up to the
Pledged Amount for such Mortgage Loan, and any related collateral, or such other
collateral as may be set forth in the Series Supplement.

        Pledged Asset Mortgage Servicing  Agreement:  The Pledged Asset Mortgage
Servicing  Agreement,  dated as of February 28, 1996 between MLCC and the Master
Servicer.

        Pooling  and  Servicing  Agreement  or  Agreement:  With  respect to any
Series, this Standard Terms together with the related Series Supplement.

                                       19
<PAGE>

     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
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.

                                       20
<PAGE>

     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);

        (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

                                       21
<PAGE>

        (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
               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 or 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) the amount
               by  which  the  interest  portion  of a  Monthly  Payment  or the
               principal balance of such Mortgage Loan was reduced, 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

                                       22
<PAGE>

        (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.

        Record  Date:  With  respect  to each  Distribution  Date,  the close of
business on the last Business Day of the month next preceding the month in which
the related Distribution Date occurs.

     Regular  Certificate:  Any  of  the  Certificates  other  than  a  Class  R
Certificate.

     REMIC: A "real estate  mortgage  investment  conduit" within the meaning of
Section 860D of the Code.

        REMIC  Administrator:  Residential Funding  Corporation.  If Residential
Funding  Corporation is found by a court of competent  jurisdiction to no longer
be able to fulfill its obligations as REMIC  Administrator  under this Agreement
the  Master  Servicer  or  Trustee  acting as Master  Servicer  shall  appoint a
successor REMIC Administrator,  subject to assumption of the REMIC Administrator
obligations under this Agreement.

        REMIC  Provisions:  Provisions of the federal income tax law relating to
real estate mortgage investment conduits,  which appear at Sections 860A through
860G of  Subchapter  M of Chapter 1 of the Code,  and  related  provisions,  and
temporary and final  regulations (or, to the extent not  inconsistent  with such
temporary or final  regulations,  proposed  regulations) and published  rulings,
notices and  announcements  promulgated  thereunder,  as the foregoing may be in
effect from time to time.

        REO Acquisition: The acquisition by the Master Servicer on behalf of the
Trustee for the benefit of the  Certificateholders  of any REO Property pursuant
to Section 3.14.

        REO Disposition:  As to any REO Property,  a determination by the Master
Servicer that it has received all Insurance Proceeds,  Liquidation Proceeds, REO
Proceeds and other payments and recoveries  (including proceeds of a final sale)
which the Master  Servicer  expects to be finally  recoverable  from the sale or
other disposition of the REO Property.

                                       23
<PAGE>

        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.

        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, 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.

                                       24
<PAGE>

        Seller's  Agreement:  An  agreement  for  the  origination  and  sale of
Mortgage  Loans  generally  in the form of the Seller  Contract  referred  to or
contained in the Program  Guide,  or in such other form as has been  approved by
the  Master  Servicer  and the  Company,  each  containing  representations  and
warranties in respect of one or more Mortgage  Loans  consistent in all material
respects with those set forth in the Program Guide.

        Senior  Accelerated  Distribution   Percentage:   With  respect  to  any
Distribution  Date occurring on or prior to the 60th Distribution Date and, with
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


                                       25
<PAGE>

        percentage  of  the  aggregate  outstanding  principal  balance  of  all
        Mortgage Loans averaged over the last six months, does not exceed 4% and
        (2) Realized Losses on the Mortgage Loans to date for such  Distribution
        Date, if occurring  during the sixth,  seventh,  eighth,  ninth or tenth
        year (or any year thereafter)  after the Closing Date are less than 10%,
        15%,  20%,  25%  or  30%,  respectively,  of  the  sum  of  the  Initial
        Certificate Principal Balances of the Subordinate Certificates, and

        (ii) that for any  Distribution  Date on which the Senior  Percentage is
greater  than  the  Senior  Percentage  as  of  the  Closing  Date,  the  Senior
Accelerated  Distribution  Percentage for such  Distribution Date shall be 100%,
or,  if the  Mortgage  Pool is  comprised  of two or more Loan  Groups,  for any
Distribution  Date on which the weighted  average of the Senior  Percentages for
each Loan Group,  weighted on the basis of the Stated Principal  Balances of the
Mortgage  Loans in the related Loan Group,  exceeds the weighted  average of the
initial Senior Percentages  (calculated on such basis) for each Loan Group, each
of the Senior  Accelerated  Distribution  Percentages for such Distribution Date
will equal 100%.

Notwithstanding the foregoing,  upon the reduction of the Certificate  Principal
Balances  of  the  related  Senior   Certificates  (other  than  the  Class  A-P
Certificates,  if any) to zero,  the  related  Senior  Accelerated  Distribution
Percentage shall thereafter be 0%.

        Senior Certificate:  As defined in the Series Supplement.

        Senior Percentage: As defined in the Series Supplement.

        Senior  Support   Certificate:   A  Senior   Certificate  that  provides
additional  credit  enhancement to certain other classes of Senior  Certificates
and designated as such in the Preliminary Statement of the Series Supplement.

     Series: All of the Certificates  issued pursuant to a Pooling and Servicing
Agreement and bearing the same series designation.

        Series  Supplement:  The  agreement  into which this  Standard  Terms is
incorporated and pursuant to which,  together with this Standard Terms, a Series
of Certificates is issued.

     Servicing Accounts: The account or accounts created and maintained pursuant
to Section 3.08.

        Servicing  Advances:  All  customary,  reasonable  and necessary "out of
pocket" costs and expenses incurred in connection with a default, delinquency or
other  unanticipated  event by the Master  Servicer  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 and (iv) 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.

                                       26
<PAGE>

        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 that is in  default,  or for
which,  in  the  judgment  of  the  Master   Servicer,   default  is  reasonably
foreseeable, pursuant to a modification of such Mortgage Loan 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,  a  division  of The  McGraw-Hill
Companies, Inc., or its successor in interest.

        Stated Principal  Balance:  With respect to any Mortgage Loan or related
REO Property,  at any given time, (i) the Cut-off Date Principal  Balance of the
Mortgage  Loan,  minus (ii) the sum of (a) the principal  portion of the Monthly
Payments due with respect to such Mortgage Loan or REO Property  during each Due
Period ending prior to the most recent  Distribution Date which were received or
with  respect to which an Advance was made,  and (b) all  Principal  Prepayments
with respect to such Mortgage Loan or REO Property,  and all Insurance Proceeds,
Liquidation  Proceeds  and REO  Proceeds,  to the  extent  applied by the Master
Servicer as recoveries of principal in accordance with Section 3.14 with respect
to such  Mortgage  Loan or REO  Property,  in each case which  were  distributed
pursuant to Section 4.02 on any previous Distribution Date, and (c) any Realized
Loss  allocated  to  Certificateholders  with  respect  thereto for any previous
Distribution Date.

        Subclass:  With  respect  to the Class A-V  Certificates,  any  Subclass
thereof issued pursuant to Section 5.01(c). Any such Subclass will represent the
Uncertificated  Class A-V REMIC Regular  Interest or Interests  specified by the
initial Holder of the Class A-V Certificates pursuant to Section 5.01(c).

                                       27
<PAGE>

        Subordinate Certificate:  Any one of the Class M Certificates or Class B
Certificates,  executed  by the  Trustee and  authenticated  by the  Certificate
Registrar  substantially  in the form annexed hereto as Exhibit B and Exhibit C,
respectively.

        Subordinate Class Percentage:  With respect to any Distribution Date and
any Class of Subordinate  Certificates,  a fraction,  expressed as a percentage,
the numerator of which is the aggregate  Certificate  Principal  Balance of such
Class  of  Subordinate  Certificates  immediately  prior  to such  date  and the
denominator  of which is the aggregate  Stated  Principal  Balance of all of the
Mortgage  Loans (or related  REO  Properties)  (other than the related  Discount
Fraction of each Discount  Mortgage Loan) immediately prior to such Distribution
Date.

        Subordinate Percentage: As of any Distribution Date and, with respect to
any Mortgage  Pool  comprised of two or more Loan Groups,  any Loan Group,  100%
minus the related Senior Percentage as of such Distribution Date.

        Subsequent Recoveries:  As of any Distribution Date, amounts received by
the Master  Servicer  (net of any related  expenses  permitted to be  reimbursed
pursuant  to Section  3.10) or surplus  amounts  held by the Master  Servicer to
cover estimated expenses  (including,  but not limited to, recoveries in respect
of the representations and warranties made by the related Seller pursuant to the
applicable  Seller's  Agreement and assigned to the Trustee  pursuant to Section
2.04)  specifically  related to a Mortgage  Loan that was the  subject of a Cash
Liquidation or an REO Disposition  prior to the related  Prepayment  Period that
resulted in a Realized Loss.

     Subserviced Mortgage Loan: Any Mortgage Loan that, at the time of reference
thereto, is subject to a Subservicing Agreement.

        Subservicer: Any Person with whom the Master Servicer has entered into a
Subservicing Agreement and who generally satisfied the requirements set forth in
the Program Guide in respect of the  qualification  of a  Subservicer  as of the
date of its approval as a Subservicer by the Master Servicer.

        Subservicer  Advance:  Any  delinquent   installment  of  principal  and
interest on a Mortgage Loan which is advanced by the related Subservicer (net of
its Subservicing Fee) pursuant to the Subservicing Agreement.

     Subservicing Account: An account established by a Subservicer in accordance
with Section 3.08.

        Subservicing Agreement: The written contract between the Master Servicer
and any Subservicer relating to servicing and administration of certain Mortgage
Loans as  provided  in  Section  3.02,  generally  in the  form of the  servicer
contract  referred to or contained in the Program Guide or in such other form as
has been  approved  by the Master  Servicer  and the  Company.  With  respect to
Additional  Collateral  Loans  subserviced by MLCC, the  Subservicing  Agreement
shall also include the Addendum and  Assignment  Agreement and the Pledged Asset
Mortgage Servicing Agreement. With respect to any Pledged Asset Loan subserviced
by GMAC Mortgage Corporation, the Addendum and Assignment Agreement, dated as of
November 24, 1998, between the Master Servicer and GMAC Mortgage Corporation, as
such agreement may be amended from time to time.

                                       28
<PAGE>

        Subservicing  Fee: As to any Mortgage Loan,  the fee payable  monthly to
the related  Subservicer (or, in the case of a Nonsubserviced  Mortgage Loan, to
the Master  Servicer) in respect of  subservicing  and other  compensation  that
accrues at an annual rate equal to the excess of the Mortgage  Rate borne by the
related  Mortgage  Note over the rate per annum  designated on the Mortgage Loan
Schedule as the "CURR NET" for such Mortgage Loan.

     Surety:  Ambac, or its successors in interest,  or such other surety as may
be identified in the Series Supplement.

        Surety Bond:  The Limited  Purpose  Surety Bond  (Policy No.  AB0039BE),
dated February 28, 1996 in respect to Mortgage Loans  originated by MLCC, or the
Surety Bond (Policy No.  AB0240BE),  dated March 17, 1999 in respect to Mortgage
Loans  originated by Novus Financial  Corporation,  in each case issued by Ambac
for the benefit of certain beneficiaries,  including the Trustee for the benefit
of the Holders of the Certificates, but only to the extent that such Surety Bond
covers any  Additional  Collateral  Loans,  or such other  Surety Bond as may be
identified in the Series Supplement.

        Tax Returns:  The federal income tax return on Internal  Revenue Service
Form 1066,  U.S.  Real Estate  Mortgage  Investment  Conduit  Income Tax Return,
including  Schedule Q thereto,  Quarterly Notice to Residual Interest Holders of
REMIC Taxable Income or Net Loss Allocation, or any successor forms, to be filed
on behalf of any REMIC  formed under the Series  Supplement  and under the REMIC
Provisions, together with any and all other information, reports or returns that
may be  required to be  furnished  to the  Certificateholders  or filed with the
Internal  Revenue Service or any other  governmental  taxing authority under any
applicable provisions of federal, state or local tax laws.

     Transfer: Any direct or indirect transfer,  sale, pledge,  hypothecation or
other form of assignment of any Ownership Interest in a Certificate.

     Transferee:  Any Person who is acquiring by Transfer any Ownership Interest
in a Certificate.

     Transferor:  Any Person  who is  disposing  by  Transfer  of any  Ownership
Interest in a Certificate.

        Trust Fund:  The  segregated  pool of assets  related to a Series,  with
respect to which one or more REMIC  elections  are to be made  pursuant  to this
Agreement, consisting of:

(i)  the Mortgage Loans and the related  Mortgage Files and collateral  securing
     such Mortgage Loans,

(ii)    all payments on and  collections  in respect of the  Mortgage  Loans due
        after the Cut-off Date as shall be on deposit in the  Custodial  Account
        or in the  Certificate  Account and identified as belonging to the Trust
        Fund,   including  the  proceeds  from  the  liquidation  of  Additional
        Collateral for any Additional  Collateral Loan or Pledged Assets for any
        Pledged Asset Loan, but not including  amounts on deposit in the Initial
        Monthly Payment Fund,

                                       29
<PAGE>

(iii)   property that secured a Mortgage Loan and that has been acquired for the
        benefit  of the  Certificateholders  by  foreclosure  or deed in lieu of
        foreclosure,

(iv)    the hazard insurance  policies and Primary Insurance  Policies,  if any,
        the Pledged  Assets with  respect to each  Pledged  Asset Loan,  and the
        interest  in the Surety  Bond  transferred  to the  Trustee  pursuant to
        Section 2.01, and

(v)     all proceeds of clauses (i) through (iv) above.

        Uniform Single  Attestation  Program for Mortgage  Bankers:  The Uniform
Single  Attestation  Program for Mortgage Bankers,  as published by the Mortgage
Bankers  Association  of America and  effective  with respect to fiscal  periods
ending on or after December 15, 1995.

        Uninsured  Cause:  Any cause of damage to property subject to a Mortgage
such that the complete restoration of such property is not fully reimbursable by
the hazard insurance policies.

        United  States Person or U.S.  Person:  (i) A citizen or resident of the
United  States,  (ii) a  corporation,  partnership  or other entity treated as a
corporation  or  partnership  for United  States  federal  income  tax  purposes
organized in or under the laws of the United  States or any state thereof or the
District of Columbia (unless, in the case of a partnership, Treasury regulations
provide  otherwise),  provided that, for purposes solely of the  restrictions on
the transfer of residual interests,  no partnership or other entity treated as a
partnership  for United States federal income tax purposes shall be treated as a
United States  Person or U.S.  Person unless all persons that own an interest in
such partnership  either directly or indirectly through any chain of entities no
one of which is a corporation  for United States federal income tax purposes are
required by the  applicable  operating  agreement to be United  States  Persons,
(iii) an estate the  income of which is  includible  in gross  income for United
States tax purposes, regardless of its source, or (iv) a trust if a court within
the  United   States  is  able  to  exercise   primary   supervision   over  the
administration of the trust and one or more United States persons have authority
to control all substantial decisions of the trust. Notwithstanding the preceding
sentence,  to the extent  provided in Treasury  regulations,  certain  Trusts in
existence on August 20, 1996, and treated as United States persons prior to such
date, that elect to continue to be treated as United States persons will also be
a U.S. Person.

     Voting Rights:  The portion of the voting rights of all of the Certificates
which is allocated  to any  Certificate,  and more  specifically  designated  in
Article XI of the Series Supplement.

Section 1.02.  Use of Words and Phrases.

        "Herein," "hereby," "hereunder," `hereof," "hereinbefore," "hereinafter"
and other  equivalent  words refer to the Pooling and  Servicing  Agreement as a
whole. All references herein to Articles, Sections or Subsections shall mean the
corresponding  Articles,  Sections and  Subsections in the Pooling and Servicing
Agreement.  The  definition  set forth herein  include both the singular and the
plural.

                                       30
<PAGE>

                                   ARTICLE II

                          CONVEYANCE OF MORTGAGE LOANS;

                        ORIGINAL ISSUANCE OF CERTIFICATES

Section 2.01.  Conveyance of Mortgage Loans.

(a) The Company,  concurrently  with the  execution  and delivery  hereof,  does
hereby assign to the Trustee without recourse all the right,  title and interest
of the  Company  in and  to the  Mortgage  Loans,  including  all  interest  and
principal  received on or with respect to the  Mortgage  Loans after the Cut-off
Date (other than payments of principal and interest due on the Mortgage Loans on
or before the Cut-off Date).  In connection  with such transfer and  assignment,
the Company  does  hereby  deliver to the  Trustee  the  Certificate  Policy (as
defined in the Series Supplement), if any.

(b) In connection with such  assignment,  except as set forth in Section 2.01(c)
and subject to Section  2.01(d)  below,  the Company does hereby deliver to, and
deposit with, the Trustee,  or to and with one or more  Custodians,  as the duly
appointed  agent or  agents  of the  Trustee  for such  purpose,  the  following
documents or  instruments  (or copies  thereof as permitted by this Section) (I)
with respect to each Mortgage Loan so assigned (other than a Cooperative Loan):

(i)     The original  Mortgage Note,  endorsed  without recourse to the order of
        the  Trustee,  and showing an unbroken  chain of  endorsements  from the
        originator  thereof to the Person  endorsing it to the Trustee,  or with
        respect to any Destroyed  Mortgage Note, an original lost note affidavit
        from the related Seller or Residential Funding stating that the original
        Mortgage Note was lost, misplaced or destroyed,  together with a copy of
        the related Mortgage Note;

(ii)    The  original  Mortgage,  noting the presence of the MIN of the Mortgage
        Loan and language indicating that the Mortgage Loan is a MOM Loan if the
        Mortgage  Loan is a MOM  Loan,  with  evidence  of  recording  indicated
        thereon or a copy of the Mortgage with  evidence of recording  indicated
        thereon;

(iii)   Unless  the  Mortgage  Loan is  registered  on the  MERS(R)  System,  an
        original  Assignment  of the  Mortgage to the Trustee  with  evidence of
        recording  indicated  thereon or a copy of such assignment with evidence
        of recording indicated thereon;

(iv)    The original recorded  assignment or assignments of the Mortgage showing
        an  unbroken  chain of title from the  originator  thereof to the Person
        assigning  it to the  Trustee  (or to  MERS,  if the  Mortgage  Loan  is
        registered on the MERS(R)  System and noting the presence of a MIN) with
        evidence of recordation noted thereon or attached thereto,  or a copy of
        such  assignment  or  assignments  of  the  Mortgage  with  evidence  of
        recording indicated thereon; and

(v)     The  original of each  modification,  assumption  agreement or preferred
        loan agreement, if any, relating to such Mortgage Loan or a copy of each
        modification, assumption agreement or preferred loan agreement.

                                       31
<PAGE>

        and (II) with respect to each Cooperative Loan so assigned:

(i)     The original  Mortgage Note,  endorsed  without recourse to the order of
        the  Trustee  and showing an  unbroken  chain of  endorsements  from the
        originator  thereof to the Person  endorsing it to the Trustee,  or with
        respect to any Destroyed  Mortgage Note, an original lost note affidavit
        from the related Seller or Residential Funding stating that the original
        Mortgage Note was lost, misplaced or destroyed,  together with a copy of
        the related Mortgage Note;

(ii)    A counterpart of the Cooperative Lease and the Assignment of Proprietary
        Lease  to  the  originator  of the  Cooperative  Loan  with  intervening
        assignments  showing an unbroken chain of title from such  originator to
        the Trustee;

(iii)   The related  Cooperative  Stock  Certificate,  representing  the related
        Cooperative  Stock  pledged  with  respect  to  such  Cooperative  Loan,
        together  with an  undated  stock  power (or other  similar  instrument)
        executed in blank;

(iv) The original  recognition  agreement by the Cooperative of the interests of
     the mortgagee with respect to the related Cooperative Loan;

(v)     The Security Agreement;

(vi)    Copies of the original UCC-1 financing  statement,  and any continuation
        statements,  filed by the originator of such Cooperative Loan as secured
        party, each with evidence of recording thereof,  evidencing the interest
        of the  originator  under the Security  Agreement and the  Assignment of
        Proprietary Lease;

(vii)   Copies  of  the  filed  UCC-3   assignments  of  the  security  interest
        referenced in clause (vi) above showing an unbroken  chain of title from
        the originator to the Trustee,  each with evidence of recording thereof,
        evidencing the interest of the originator  under the Security  Agreement
        and the Assignment of Proprietary Lease;

(viii)  An executed assignment of the interest of the originator in the Security
        Agreement, Assignment of Proprietary Lease and the recognition agreement
        referenced in clause (iv) above, showing an unbroken chain of title from
        the originator to the Trustee;

(ix)    The  original of each  modification,  assumption  agreement or preferred
        loan agreement, if any, relating to such Cooperative Loan; and

(x)     A duly completed UCC-1 financing  statement  showing the Master Servicer
        as debtor,  the Company as secured party and the Trustee as assignee and
        a duly completed UCC-1 financing statement showing the Company as debtor
        and the Trustee as secured party,  each in a form sufficient for filing,
        evidencing the interest of such debtors in the Cooperative Loans.

(c) The Company may, in lieu of  delivering  the original of the  documents  set
forth in Section  2.01(b)(I)(ii),  (iii), (iv) and (v) and Section  (b)(II)(ii),


                                       32
<PAGE>

(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.

(d)  Notwithstanding  the provisions of Section 2.01(c),  in connection with any
Mortgage Loan, if the Company  cannot deliver the original of the Mortgage,  any
assignment,  modification,  assumption agreement or preferred loan agreement (or
copy thereof as permitted by Section 2.01(b)) with evidence of recording thereon
concurrently  with the execution and delivery of this Agreement because of (i) a
delay caused by the public  recording  office where such  Mortgage,  assignment,
modification,  assumption  agreement or preferred loan agreement as the case may
be,  has been  delivered  for  recordation,  or (ii) a delay in the  receipt  of
certain information  necessary to prepare the related  assignments,  the Company
shall  deliver  or  cause  to be  delivered  to the  Trustee  or the  respective
Custodian  a  copy  of  such  Mortgage,  assignment,  modification,   assumption
agreement or preferred loan agreement.

        The Company  shall  promptly  cause to be  recorded  in the  appropriate
public office for real  property  records the  Assignment  referred to in clause
(I)(iii)  of Section  2.01(b),  except (a) in states  where,  in the  opinion of
counsel acceptable to the Trustee and the Master Servicer, such recording is not
required to protect the  Trustee's  interests in the  Mortgage  Loan against the
claim of any  subsequent  transferee  or any  successor  to or  creditor  of the
Company or the  originator of such Mortgage Loan or (b) if MERS is identified on
the  Mortgage  or on a  properly  recorded  assignment  of the  Mortgage  as the
mortgagee  of record  solely as nominee  for the Seller and its  successors  and
assigns,  and shall  promptly  cause to be filed the Form UCC-3  assignment  and
UCC-1 financing statement referred to in clause (II)(vii) and (x), respectively,
of Section 2.01(b). If any Assignment,  Form UCC-3 or Form UCC-1, as applicable,
is lost or returned unrecorded to the Company because of any defect therein, the
Company  shall  prepare a substitute  Assignment,  Form UCC-3 or Form UCC-1,  as
applicable,  or cure such defect,  as the case may be, and cause such Assignment
to be recorded in accordance  with this  paragraph.  The Company shall  promptly
deliver or cause to be delivered to the Trustee or the respective Custodian such
Mortgage or  Assignment  or Form UCC-3 or Form UCC-1,  as  applicable,  (or copy
thereof as permitted by Section  2.01(b)) with  evidence of recording  indicated
thereon  at the time  specified  in  Section  2.01(c).  In  connection  with its
servicing of Cooperative Loans, the Master Servicer will use its best efforts to
file timely continuation  statements with regard to each financing statement and
assignment  relating to  Cooperative  Loans as to which the related  Cooperative
Apartment is located outside of the State of New York.

        If the Company delivers to the Trustee or Custodian any Mortgage Note or
Assignment of Mortgage in blank, the Company shall, or shall cause the Custodian
to, complete the endorsement of the Mortgage Note and the Assignment of Mortgage
in the name of the Trustee in conjunction with the Interim  Certification issued
by the Custodian, as contemplated by Section 2.02.

                                       33
<PAGE>

        Any of the items set forth in Sections  2.01(b)(I)(ii),  (iii), (iv) and
(v) and  (II)(vi)  and (vii) and that may be delivered as a copy rather than the
original may be delivered to the Trustee or the Custodian.

        In connection with the assignment of any Mortgage Loan registered on the
MERS(R) System,  the Company further agrees that it will cause, at the Company's
own expense,  within 30 Business Days after the Closing Date, the MERS(R) System
to indicate  that such  Mortgage  Loans have been assigned by the Company to the
Trustee   in   accordance   with  this   Agreement   for  the   benefit  of  the
Certificateholders  by including  (or  deleting,  in the case of Mortgage  Loans
which are  repurchased in accordance with this Agreement) in such computer files
(a) the code in the field which identifies the specific Trustee and (b) the code
in the field "Pool Field" which identifies the series of the Certificates issued
in connection with such Mortgage Loans.  The Company further agrees that it will
not, and will not permit the Master  Servicer to, and the Master Servicer agrees
that it will not,  alter the codes  referenced in this paragraph with respect to
any  Mortgage  Loan  during  the term of this  Agreement  unless  and until such
Mortgage Loan is repurchased in accordance with the terms of this Agreement.


(e) Residential  Funding hereby assigns to the Trustee its security  interest in
and to any Additional Collateral or Pledged Assets, its right to receive amounts
due or to become due in respect of any  Additional  Collateral or Pledged Assets
pursuant to the related  Subservicing  Agreement  and its rights as  beneficiary
under the Surety  Bond in  respect  of any  Additional  Collateral  Loans.  With
respect to any  Additional  Collateral  Loan or Pledged Asset Loan,  Residential
Funding  shall  cause to be filed in the  appropriate  recording  office a UCC-3
statement  giving notice of the assignment of the related  security  interest to
the Trust Fund and shall  thereafter  cause the timely  filing of all  necessary
continuation statements with regard to such financing statements.

(f) It is  intended  that the  conveyance  by the  Company to the Trustee of the
Mortgage  Loans as provided for in this  Section 2.01 be and the  Uncertificated
REMIC Regular Interests,  if any (as provided for in Section 2.06), be construed
as a  sale  by the  Company  to  the  Trustee  of the  Mortgage  Loans  and  any
Uncertificated    REMIC    Regular    Interests   for   the   benefit   of   the
Certificateholders.  Further,  it is not intended that such conveyance be deemed
to be a pledge  of the  Mortgage  Loans  and any  Uncertificated  REMIC  Regular
Interests by the Company to the Trustee to secure a debt or other  obligation of
the Company.  Nonetheless,  (a) this Agreement is intended to be and hereby is a
security  agreement  within  the  meaning  of  Articles  8 and 9 of the New York
Uniform  Commercial Code and the Uniform Commercial Code of any other applicable
jurisdiction; (b) the conveyance provided for in Section 2.01 shall be deemed to
be,  and hereby  is,  (1) a grant by the  Company  to the  Trustee of a security
interest in all of the  Company's  right  (including  the power to convey  title
thereto), title and interest, whether now owned or hereafter acquired, in and to
any and all general intangibles,  payment intangibles,  accounts, chattel paper,
instruments, documents, money, deposit accounts, certificates of deposit, goods,
letters of credit,  advices of credit and investment property and other property
of whatever kind or description  now existing or hereafter  acquired  consisting
of,  arising from or relating to any of the following:  (A) the Mortgage  Loans,
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


                                       34
<PAGE>

than a Cooperative  Loan, the related Mortgage Note and Mortgage,  and (iii) any
insurance policies and all other documents in the related Mortgage File, (B) all
amounts  payable  pursuant to the Mortgage  Loans in  accordance  with the terms
thereof,  (C) any Uncertificated REMIC Regular Interests and (D) all proceeds of
the  conversion,   voluntary  or  involuntary,   of  the  foregoing  into  cash,
instruments,  securities or other  property,  including  without  limitation all
amounts  from time to time held or  invested in the  Certificate  Account or the
Custodial Account, whether in the form of cash, instruments, securities or other
property  and (2) an  assignment  by the Company to the Trustee of any  security
interest in any and all of Residential  Funding's right  (including the power to
convey  title  thereto),  title and  interest,  whether  now owned or  hereafter
acquired, in and to the property described in the foregoing clauses (1)(A), (B),
(C) and (D)  granted by  Residential  Funding  to the  Company  pursuant  to the
Assignment  Agreement;  (c) the possession by the Trustee,  the Custodian or any
other agent of the Trustee of Mortgage  Notes or such other items of property as
constitute instruments, money, payment intangibles, negotiable documents, goods,
deposit accounts,  letters of credit,  advices of credit,  investment  property,
certificated  securities or chattel paper shall be deemed to be  "possession  by
the secured party," or possession by a purchaser or a person  designated by such
secured party, for purposes of perfecting the security  interest pursuant to the
Minnesota Uniform  Commercial Code and the Uniform  Commercial Code of any other
applicable  jurisdiction as in effect (including,  without limitation,  Sections
8-106,  9-313 and 9-106 thereof);  and (d) notifications to persons holding such
property,  and  acknowledgments,  receipts or confirmations from persons holding
such property, shall be deemed notifications to, or acknowledgments, receipts or
confirmations from, securities intermediaries,  bailees or agents of, or persons
holding for (as  applicable)  the Trustee  for the  purpose of  perfecting  such
security interest under applicable law.

        The Company and, at the Company's direction, Residential Funding and the
Trustee  shall,  to  the  extent  consistent  with  this  Agreement,  take  such
reasonable  actions as may be necessary to ensure that, if this  Agreement  were
determined  to  create  a  security   interest  in  the  Mortgage   Loans,   any
Uncertificated  REMIC Regular Interests and the other property  described above,
such security  interest would be determined to be a perfected  security interest
of first priority under applicable law and will be maintained as such throughout
the term of this  Agreement.  Without  limiting the generality of the foregoing,
the Company shall prepare and deliver to the Trustee not less than 15 days prior
to any filing date and, the Trustee shall forward for filing,  or shall cause to
be forwarded for filing, at the expense of the Company, all filings necessary to
maintain the  effectiveness of any original filings  necessary under the Uniform
Commercial  Code as in effect  in any  jurisdiction  to  perfect  the  Trustee's
security interest in or lien on the Mortgage Loans and any Uncertificated  REMIC
Regular  Interests,  as evidenced by an  Officers'  Certificate  of the Company,
including  without  limitation (x) continuation  statements,  and (y) such other
statements  as may be  occasioned  by (1) any  change  of  name  of  Residential
Funding, the Company or the Trustee (such preparation and filing shall be at the
expense of the Trustee,  if occasioned by a change in the Trustee's  name),  (2)
any change of location of the place of business or the chief executive office of
Residential  Funding  or the  Company,  (3)  any  transfer  of any  interest  of
Residential  Funding or the Company in any Mortgage  Loan or (4) any transfer of
any interest of Residential  Funding or the Company in any Uncertificated  REMIC
Regular Interest.

                                       35
<PAGE>

(g) The Master  Servicer  hereby  acknowledges  the receipt by it of the Initial
Monthly  Payment  Fund.  The Master  Servicer  shall hold such  Initial  Monthly
Payment Fund in the  Custodial  Account and shall  include such Initial  Monthly
Payment Fund in the Available  Distribution Amount for the initial  Distribution
Date.  Notwithstanding  anything  herein to the  contrary,  the Initial  Monthly
Payment Fund shall not be an asset of any REMIC.  To the extent that the Initial
Monthly Payment Fund constitutes a reserve fund for federal income tax purposes,
(1) it shall be an outside  reserve  fund and not an asset of any REMIC,  (2) it
shall be owned by the Seller  and (3)  amounts  transferred  by any REMIC to the
Initial  Monthly  Payment Fund shall be treated as  transferred to the Seller or
any  successor,  all within the meaning of Section  1.860G-2(h)  of the Treasury
Regulations.

(h) The Company agrees that the sale of each Pledged Asset Loan pursuant to this
Agreement will also constitute the assignment, sale, setting-over,  transfer and
conveyance  to the  Trustee,  without  recourse  (but  subject to the  Company's
covenants,  representations and warranties specifically provided herein), of all
of the Company's  obligations and all of the Company's right, title and interest
in, to and under,  whether now  existing or  hereafter  acquired as owner of the
Mortgage  Loan  with  respect  to  any  and  all  money,  securities,   security
entitlements,  accounts, general intangibles, payment intangibles,  instruments,
documents, deposit accounts, certificates of deposit, commodities contracts, and
other  investment  property and other  property of whatever kind or  description
consisting of, arising from or related to (i) the Assigned  Contracts,  (ii) all
rights,  powers and remedies of the Company as owner of such Mortgage Loan under
or in connection with the Assigned Contracts, whether arising under the terms of
such Assigned  Contracts,  by statute, at law or in equity, or otherwise arising
out of any default by the  Mortgagor  under or in  connection  with the Assigned
Contracts,  including  all rights to exercise  any election or option or to make
any  decision  or  determination  or to give or  receive  any  notice,  consent,
approval  or  waiver  thereunder,  (iii)  the  Pledged  Amounts  and all  money,
securities,  security  entitlements,   accounts,  general  intangibles,  payment
intangibles,  instruments, documents, deposit accounts, certificates of deposit,
commodities  contracts,  and other  investment  property  and other  property of
whatever  kind or  description  and all cash and non-cash  proceeds of the sale,
exchange,  or  redemption  of,  and all stock or  conversion  rights,  rights to
subscribe,  liquidation  dividends or preferences,  stock  dividends,  rights to
interest, dividends, earnings, income, rents, issues, profits, interest payments
or other  distributions  of cash or other  property that secures a Pledged Asset
Loan, (iv) all documents,  books and records concerning the foregoing (including
all  computer  programs,  tapes,  disks and related  items  containing  any such
information) and (v) all insurance proceeds (including proceeds from the Federal
Deposit Insurance Corporation or the Securities Investor Protection  Corporation
or any other insurance company) of any of the foregoing or replacements  thereof
or substitutions therefor, proceeds of proceeds and the conversion, voluntary or
involuntary,  of any thereof.  The  foregoing  transfer,  sale,  assignment  and
conveyance does not constitute and is not intended to result in the creation, or
an assumption  by the Trustee,  of any  obligation of the Company,  or any other
person  in  connection  with the  Pledged  Assets  or  under  any  agreement  or
instrument  relating thereto,  including any obligation to the Mortgagor,  other
than as owner of the Mortgage Loan.

Section 2.02.  Acceptance by Trustee.
               ---------------------

        The Trustee  acknowledges  receipt (or,  with respect to Mortgage  Loans
subject  to  a  Custodial  Agreement,   and  based  solely  upon  a  receipt  or
certification executed by the Custodian,  receipt by the respective Custodian as


                                       36
<PAGE>

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
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


                                       37
<PAGE>

Mortgage is registered on the MERS(R) System,  the Master  Servicer,  at its own
expense and without any right of reimbursement,  shall cause MERS to execute and
deliver an  assignment  of the  Mortgage  in  recordable  form to  transfer  the
Mortgage from MERS to such  Subservicer  or Seller and shall cause such Mortgage
to be removed from  registration  on the MERS(R) System in accordance with MERS'
rules and  regulations.  It is understood  and agreed that the obligation of the
Seller  or the  Subservicer,  as the case  may be,  to so cure or  purchase  any
Mortgage  Loan as to which a material  and  adverse  defect in or  omission of a
constituent  document  exists shall  constitute the sole remedy  respecting such
defect or omission available to  Certificateholders  or the Trustee on behalf of
the Certificateholders.

Section 2.03.  Representations, Warranties and Covenants
                      of the Master Servicer and the Company.

(a) The Master  Servicer  hereby  represents and warrants to the Trustee for the
benefit of the Certificateholders that:

(i)     The Master Servicer is a corporation  duly organized,  validly  existing
        and in good standing under the laws governing its creation and existence
        and is or will be in compliance with the laws of each state in which any
        Mortgaged  Property  is located to the  extent  necessary  to ensure the
        enforceability  of each Mortgage  Loan in  accordance  with the terms of
        this Agreement;

(ii)    The execution and delivery of this Agreement by the Master  Servicer and
        its performance and compliance with the terms of this Agreement will not
        violate the Master Servicer's  Certificate of Incorporation or Bylaws or
        constitute a material  default (or an event which,  with notice or lapse
        of time, or both, would constitute a material  default) under, or result
        in the  material  breach of, any material  contract,  agreement or other
        instrument  to which  the  Master  Servicer  is a party or which  may be
        applicable to the Master Servicer or any of its assets;

(iii)   This Agreement,  assuming due  authorization,  execution and delivery by
        the  Trustee and the  Company,  constitutes  a valid,  legal and binding
        obligation of the Master Servicer,  enforceable against it in accordance
        with the terms  hereof  subject to  applicable  bankruptcy,  insolvency,
        reorganization,  moratorium and other laws affecting the  enforcement of
        creditors'  rights  generally  and  to  general  principles  of  equity,
        regardless of whether such  enforcement is considered in a proceeding in
        equity or at law;

(iv)    The  Master  Servicer  is not in  default  with  respect to any order or
        decree of any court or any order,  regulation  or demand of any federal,
        state,  municipal  or  governmental  agency,  which  default  might have
        consequences  that would  materially and adversely  affect the condition
        (financial  or  other)  or  operations  of the  Master  Servicer  or its
        properties or might have  consequences  that would materially  adversely
        affect its performance hereunder;

                                       38
<PAGE>

(v)     No  litigation  is  pending  or,  to the best of the  Master  Servicer's
        knowledge,  threatened  against the Master Servicer which would prohibit
        its entering into this  Agreement or performing  its  obligations  under
        this Agreement;

(vi)    The  Master  Servicer  will  comply  in  all  material  respects  in the
        performance of this Agreement with all reasonable rules and requirements
        of each insurer under each Required Insurance Policy;

(vii)   No  information,  certificate  of an  officer,  statement  furnished  in
        writing or report delivered to the Company, any Affiliate of the Company
        or the Trustee by the Master  Servicer  will,  to the  knowledge  of the
        Master Servicer, contain any untrue statement of a material fact or omit
        a  material  fact  necessary  to  make  the  information,   certificate,
        statement or report not misleading;

(viii)  The Master  Servicer has examined each  existing,  and will examine each
        new,  Subservicing  Agreement  and is or will be familiar with the terms
        thereof.  The terms of each  existing  Subservicing  Agreement  and each
        designated Subservicer are acceptable to the Master Servicer and any new
        Subservicing Agreements will comply with the provisions of Section 3.02;
        and

(ix)    The  Master  Servicer  is a member  of MERS in good  standing,  and will
        comply in all material respects with the rules and procedures of MERS in
        connection  with the servicing of the Mortgage Loans that are registered
        with MERS.

It is understood and agreed that the representations and warranties set forth in
this Section 2.03(a) shall survive delivery of the respective  Mortgage Files to
the Trustee or any Custodian.

        Upon discovery by either the Company,  the Master Servicer,  the Trustee
or any Custodian of a breach of any representation or warranty set forth in this
Section  2.03(a) which  materially  and  adversely  affects the interests of the
Certificateholders in any Mortgage Loan, the party discovering such breach shall
give  prompt  written  notice  to the  other  parties  (any  Custodian  being so
obligated under a Custodial  Agreement).  Within 90 days of its discovery or its
receipt of notice of such breach, the Master Servicer shall either (i) cure such
breach in all  material  respects or (ii) to the extent that such breach is with
respect to a Mortgage  Loan or a related  document,  purchase such Mortgage Loan
from the Trust Fund at the Purchase Price and in the manner set forth in Section
2.02;  provided  that if the omission or defect would cause the Mortgage Loan to
be other than a  "qualified  mortgage" as defined in Section  860G(a)(3)  of the
Code,  any such cure or repurchase  must occur within 90 days from the date such
breach was discovered. The obligation of the Master Servicer to cure such breach
or to so purchase such Mortgage Loan shall constitute the sole remedy in respect
of a breach of a  representation  and warranty set forth in this Section 2.03(a)
available   to  the   Certificateholders   or  the  Trustee  on  behalf  of  the
Certificateholders.

(b)  Representations and warranties relating to the Mortgage Loans are set forth
in Section 2.03(b) of the Series Supplement.

                                       39
<PAGE>

Section 2.04.  Representations and Warranties of Sellers.

        The Company,  as assignee of  Residential  Funding under the  Assignment
Agreement,  hereby assigns to the Trustee for the benefit of  Certificateholders
all of its right, title and interest in respect of the Assignment  Agreement and
each Seller's Agreement applicable to a Mortgage Loan. Insofar as the Assignment
Agreement or the Company's  rights under such Seller's  Agreement  relate to the
representations and warranties made by Residential Funding or the related Seller
in respect of such Mortgage Loan and any remedies  provided  thereunder  for any
breach of such  representations  and warranties,  such right, title and interest
may be  enforced  by the  Master  Servicer  on  behalf  of the  Trustee  and the
Certificateholders.  Upon the discovery by the Company, the Master Servicer, the
Trustee  or  any  Custodian  of a  breach  of any  of  the  representations  and
warranties  made in a Seller's  Agreement that have been assigned to the Trustee
pursuant to this Section 2.04 or of a breach of any of the  representations  and
warranties made in the Assignment Agreement (which, for purposes hereof, will be
deemed to include any other cause giving rise to a repurchase  obligation  under
the Assignment  Agreement) in respect of any Mortgage Loan which  materially and
adversely affects the interests of the Certificateholders in such Mortgage Loan,
the party  discovering such breach shall give prompt written notice to the other
parties (any  Custodian  being so obligated  under a Custodial  Agreement).  The
Master Servicer shall promptly notify the related Seller or Residential Funding,
as the case may be, of such breach and request  that such Seller or  Residential
Funding,  as the case  may be,  either  (i) cure  such  breach  in all  material
respects  within 90 days from the date the Master  Servicer was notified of such
breach or (ii)  purchase  such Mortgage Loan from the Trust Fund at the Purchase
Price and in the manner set forth in Section 2.02;  provided that in the case of
a breach  under the  Assignment  Agreement  Residential  Funding  shall have the
option to  substitute  a Qualified  Substitute  Mortgage  Loan or Loans for such
Mortgage Loan if such substitution occurs within two years following the Closing
Date; provided that if the breach would cause the Mortgage Loan to be other than
a "qualified  mortgage" as defined in Section  860G(a)(3) of the Code,  any such
cure,  repurchase  or  substitution  must occur within 90 days from the date the
breach  was  discovered.  In  the  event  that  Residential  Funding  elects  to
substitute a Qualified  Substitute Mortgage Loan or Loans for a Deleted Mortgage
Loan  pursuant to this Section  2.04,  Residential  Funding shall deliver to the
Trustee for the benefit of the Certificateholders with respect to such Qualified
Substitute Mortgage Loan or Loans, the original Mortgage Note, the Mortgage,  an
Assignment of the Mortgage in recordable  form, if required  pursuant to Section
2.01,  and such other  documents and agreements as are required by Section 2.01,
with the Mortgage Note  endorsed as required by Section  2.01.  No  substitution
will be made in any calendar month after the Determination  Date for such month.
Monthly Payments due with respect to Qualified  Substitute Mortgage Loans in the
month of  substitution  shall not be part of the Trust Fund and will be retained
by the Master  Servicer  and  remitted  by the Master  Servicer  to  Residential
Funding on the next succeeding Distribution Date. For the month of substitution,
distributions to the Certificateholders  will include the Monthly Payment due on
a Deleted Mortgage Loan for such month and thereafter  Residential Funding shall
be entitled to retain all amounts  received in respect of such Deleted  Mortgage
Loan.  The Master  Servicer shall amend or cause to be amended the Mortgage Loan
Schedule,  and, if the Deleted  Mortgage Loan was a Discount  Mortgage Loan, the
Schedule of Discount  Fractions,  for the benefit of the  Certificateholders  to
reflect the removal of such Deleted  Mortgage Loan and the  substitution  of the
Qualified  Substitute  Mortgage  Loan or Loans  and the  Master  Servicer  shall
deliver the amended  Mortgage Loan Schedule,  and, if the Deleted  Mortgage Loan
was a Discount Mortgage Loan, the amended Schedule of Discount Fractions, to the
Trustee. Upon such substitution, the Qualified Substitute Mortgage Loan or Loans
shall be subject to the terms of this  Agreement  and the  related  Subservicing


                                       40
<PAGE>

Agreement in all respects,  the related  Seller shall be deemed to have made the
representations and warranties with respect to the Qualified Substitute Mortgage
Loan contained in the related Seller's Agreement as of the date of substitution,
insofar as Residential  Funding's rights in respect of such  representations and
warranties are assigned to the Company pursuant to the Assignment Agreement, and
the Company and the Master Servicer shall be deemed to have made with respect to
any Qualified Substitute Mortgage Loan or Loans, as of the date of substitution,
the covenants, representations and warranties set forth in this Section 2.04, in
Section 2.03 hereof and in Section 4 of the Assignment Agreement, and the Master
Servicer  shall be obligated  to  repurchase  or  substitute  for any  Qualified
Substitute  Mortgage  Loan as to which a  Repurchase  Event (as  defined  in the
Assignment  Agreement)  has  occurred  pursuant  to Section 4 of the  Assignment
Agreement.

        In connection with the substitution of one or more Qualified  Substitute
Mortgage Loans for one or more Deleted  Mortgage Loans, the Master Servicer will
determine  the amount (if any) by which the aggregate  principal  balance of all
such Qualified  Substitute Mortgage Loans as of the date of substitution is less
than the aggregate Stated  Principal  Balance of all such Deleted Mortgage Loans
(in each case after application of the principal portion of the Monthly Payments
due  in  the  month  of   substitution   that  are  to  be  distributed  to  the
Certificateholders  in the month of  substitution).  Residential  Funding  shall
deposit the amount of such  shortfall  into the Custodial  Account on the day of
substitution, without any reimbursement therefor. Residential Funding shall give
notice  in  writing  to the  Trustee  of  such  event,  which  notice  shall  be
accompanied by an Officers'  Certificate as to the calculation of such shortfall
and  (subject to Section  10.01(f))  by an Opinion of Counsel to the effect that
such  substitution will not cause (a) any federal tax to be imposed on the Trust
Fund,  including  without  limitation,  any federal  tax imposed on  "prohibited
transactions"  under Section  860F(a)(1) of the Code or on "contributions  after
the startup date" under Section 860G(d)(1) of the Code or (b) any portion of any
REMIC  to  fail  to  qualify  as  such  at any  time  that  any  Certificate  is
outstanding.

        It is  understood  and  agreed  that the  obligation  of the  Seller  or
Residential  Funding, as the case may be, to cure such breach or purchase (or in
the case of  Residential  Funding to  substitute  for) such  Mortgage Loan as to
which such a breach has occurred and is  continuing  shall  constitute  the sole
remedy respecting such breach available to the Certificateholders or the Trustee
on behalf of Certificateholders.  If the Master Servicer is Residential Funding,
then the Trustee shall also have the right to give the  notification and require
the purchase or substitution  provided for in the second preceding  paragraph in
the event of such a breach of a  representation  or warranty made by Residential
Funding in the  Assignment  Agreement.  In  connection  with the  purchase of or
substitution  for any such Mortgage  Loan by  Residential  Funding,  the Trustee
shall  assign to  Residential  Funding  all of the  Trustee's  right,  title and
interest  in respect of the  Seller's  Agreement  and the  Assignment  Agreement
applicable to such Mortgage Loan.

Section  2.05.   Execution  and  Authentication  of   Certificates/Issuance   of
     Certificates Evidencing Interests in REMIC I Certificates.

               As provided in Section 2.05 of the Series Supplement.

                                       41
<PAGE>

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.

                                       42
<PAGE>

                                  ARTICLE III

                          ADMINISTRATION AND SERVICING

                                OF MORTGAGE LOANS

Section 3.01.  Master Servicer to Act as Servicer.

(a) The Master  Servicer  shall  service and  administer  the Mortgage  Loans in
accordance  with the terms of this Agreement and the  respective  Mortgage Loans
and shall have full power and authority, acting alone or through Subservicers as
provided in Section 3.02,  to do any and all things which it may deem  necessary
or desirable in  connection  with such  servicing  and  administration.  Without
limiting the generality of the foregoing, the Master Servicer in its own name or
in the name of a Subservicer  is hereby  authorized and empowered by the Trustee
when the Master  Servicer or the  Subservicer,  as the case may be,  believes it
appropriate  in its best  judgment,  to execute  and  deliver,  on behalf of the
Certificateholders  and the Trustee or any of them,  any and all  instruments of
satisfaction or cancellation,  or of partial or full release or discharge, or of
consent to assumption or modification in connection with a proposed  conveyance,
or of  assignment  of any  Mortgage  and Mortgage  Note in  connection  with the
repurchase  of a Mortgage  Loan and all other  comparable  instruments,  or with
respect to the  modification  or  re-recording  of a Mortgage for the purpose of
correcting the Mortgage,  the subordination of the lien of the Mortgage in favor
of a public utility company or government  agency or unit with powers of eminent
domain,  the  taking  of a  deed  in  lieu  of  foreclosure,  the  commencement,
prosecution  or  completion  of  judicial  or  non-judicial   foreclosure,   the
conveyance of a Mortgaged  Property to the related  Insurer,  the acquisition of
any property  acquired by  foreclosure  or deed in lieu of  foreclosure,  or the
management,  marketing and conveyance of any property acquired by foreclosure or
deed in lieu of foreclosure  with respect to the Mortgage Loans and with respect
to the Mortgaged  Properties.  The Master  Servicer  further is  authorized  and
empowered by the Trustee, on behalf of the  Certificateholders  and the Trustee,
in its own name or in the name of the  Subservicer,  when the Master Servicer or
the  Subservicer,  as the  case  may be,  believes  it  appropriate  in its best
judgment to register  any  Mortgage  Loan on the  MERS(R)  System,  or cause the
removal from the  registration  of any Mortgage Loan on the MERS(R)  System,  to
execute and deliver, on behalf of the Trustee and the  Certificateholders or any
of them, any and all instruments of assignment and other comparable  instruments
with respect to such  assignment  or  re-recording  of a Mortgage in the name of
MERS,  solely as nominee for the Trustee and its  successors  and  assigns.  Any
expenses  incurred in  connection  with the actions  described in the  preceding
sentence  shall be borne by the  Master  Servicer  in  accordance  with  Section
3.16(c), with no right of reimbursement;  provided, that if, as a result of MERS
discontinuing  or becoming unable to continue  operations in connection with the
MERS System,  it becomes necessary to remove any Mortgage Loan from registration
on the MERS System and to arrange for the assignment of the related Mortgages to
the  Trustee,  then any related  expenses  shall be  reimbursable  to the Master
Servicer.  Notwithstanding the foregoing, subject to Section 3.07(a), the Master
Servicer  shall not permit any  modification  with respect to any Mortgage  Loan
that would both  constitute a sale or exchange of such  Mortgage Loan within the
meaning  of  Section  1001 of the  Code  and any  proposed,  temporary  or final
regulations  promulgated  thereunder  (other than in connection  with a proposed
conveyance  or  assumption  of such Mortgage Loan that is treated as a Principal
Prepayment  in Full  pursuant  to Section  3.13(d)  hereof)  and cause any REMIC
formed under the Series Supplement to fail to qualify as a REMIC under the Code.
The Trustee  shall  furnish the Master  Servicer with any powers of attorney and
other  documents  necessary  or  appropriate  to enable the Master  Servicer  to


                                       43
<PAGE>

service and administer the Mortgage  Loans.  The Trustee shall not be liable for
any action  taken by the Master  Servicer  or any  Subservicer  pursuant to such
powers of attorney.  In servicing and administering any Nonsubserviced  Mortgage
Loan,  the Master  Servicer  shall,  to the extent  not  inconsistent  with this
Agreement,  comply with the Program  Guide as if it were the  originator of such
Mortgage Loan and had retained the servicing  rights and  obligations in respect
thereof.  In connection with servicing and administering the Mortgage Loans, the
Master  Servicer  and any  Affiliate  of the  Master  Servicer  (i) may  perform
services such as  appraisals  and  brokerage  services that are not  customarily
provided by servicers  of mortgage  loans,  and shall be entitled to  reasonable
compensation  therefor in accordance  with Section 3.10 and (ii) may, at its own
discretion and on behalf of the Trustee,  obtain credit  information in the form
of a "credit score" from a credit repository.

(b) All costs incurred by the Master  Servicer or by  Subservicers  in effecting
the timely payment of taxes and  assessments  on the  properties  subject to the
Mortgage Loans shall not, for the purpose of calculating  monthly  distributions
to the  Certificateholders,  be added to the  amount  owing  under  the  related
Mortgage Loans,  notwithstanding that the terms of such Mortgage Loan so permit,
and  such  costs  shall  be  recoverable  to the  extent  permitted  by  Section
3.10(a)(ii).

(c) The Master Servicer may enter into one or more agreements in connection with
the offering of pass-through certificates evidencing interests in one or more of
the  Certificates  providing  for the payment by the Master  Servicer of amounts
received by the Master Servicer as servicing compensation hereunder and required
to cover certain  Prepayment  Interest  Shortfalls on the Mortgage Loans,  which
payment  obligation  will  thereafter be an  obligation  of the Master  Servicer
hereunder.

Section 3.02.  Subservicing Agreements Between Master Servicer and Subservicers;
     Enforcement of Subservicers' and Sellers' Obligations.

(a) The Master Servicer may continue in effect  Subservicing  Agreements entered
into by Residential Funding and Subservicers prior to the execution and delivery
of  this  Agreement,  and  may  enter  into  new  Subservicing  Agreements  with
Subservicers,  for  the  servicing  and  administration  of all or  some  of the
Mortgage Loans. Each Subservicer of a Mortgage Loan shall be entitled to receive
and retain,  as provided in the related  Subservicing  Agreement  and in Section
3.07, the related  Subservicing  Fee from payments of interest  received on such
Mortgage Loan after payment of all amounts required to be remitted to the Master
Servicer  in respect of such  Mortgage  Loan.  For any  Mortgage  Loan that is a
Nonsubserviced  Mortgage Loan, the Master  Servicer shall be entitled to receive
and retain an amount equal to the  Subservicing  Fee from  payments of interest.
Unless the context otherwise  requires,  references in this Agreement to actions
taken or to be taken by the Master  Servicer in  servicing  the  Mortgage  Loans
include  actions taken or to be taken by a  Subservicer  on behalf of the Master
Servicer.  Each Subservicing Agreement will be upon such terms and conditions as
are  generally   required  or  permitted  by  the  Program  Guide  and  are  not
inconsistent  with this Agreement and as the Master Servicer and the Subservicer
have agreed. A representative form of Subservicing Agreement is attached to this


                                       44
<PAGE>

Agreement 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.

(b) As part of its servicing activities hereunder,  the Master Servicer, for the
benefit of the Trustee and the Certificateholders, shall use its best reasonable
efforts  to  enforce  the  obligations  of each  Subservicer  under the  related
Subservicing  Agreement and of each Seller under the related Seller's  Agreement
insofar as the  Company's  rights with respect to Seller's  obligation  has been
assigned to the Trustee hereunder, to the extent that the non-performance of any
such Seller's  obligation would have a material and adverse effect on a Mortgage
Loan, including,  without limitation, the obligation to purchase a Mortgage Loan
on account of  defective  documentation,  as described  in Section  2.02,  or on
account of a breach of a  representation  or  warranty,  as described in Section
2.04. Such enforcement,  including, without limitation, the legal prosecution of
claims,  termination  of  Subservicing  Agreements  or Seller's  Agreements,  as
appropriate,  and the pursuit of other  appropriate  remedies,  shall be in such
form and carried  out to such an extent and at such time as the Master  Servicer
would employ in its good faith business  judgment and which are normal and usual
in its general mortgage servicing activities.  The Master Servicer shall pay the
costs of such enforcement at its own expense,  and shall be reimbursed  therefor
only (i) from a general recovery  resulting from such enforcement to the extent,
if any,  that such  recovery  exceeds  all amounts due in respect of the related
Mortgage Loan or (ii) from a specific  recovery of costs,  expenses or attorneys
fees against the party against whom such  enforcement is directed.  For purposes
of clarification  only, the parties agree that the foregoing is not intended to,
and does not,  limit the  ability of the Master  Servicer to be  reimbursed  for
expenses  that are incurred in  connection  with the  enforcement  of a Seller's
obligations  (insofar  as the  Company's  rights with  respect to such  Seller's
obligations  have been assigned to the Trustee  hereunder) and are  reimbursable
pursuant to Section 3.10(a)(viii).

Section 3.03.  Successor Subservicers.

        The Master  Servicer  shall be entitled to  terminate  any  Subservicing
Agreement  that may exist in  accordance  with the terms and  conditions of such
Subservicing  Agreement and without any limitation by virtue of this  Agreement;
provided,  however,  that  in the  event  of  termination  of  any  Subservicing
Agreement by the Master Servicer or the  Subservicer,  the Master Servicer shall
either act as servicer of the related Mortgage Loan or enter into a Subservicing
Agreement with a successor  Subservicer  which will be bound by the terms of the
related  Subservicing  Agreement.  If the Master  Servicer or any  Affiliate  of
Residential  Funding  acts as  servicer,  it will not assume  liability  for the
representations  and  warranties of the  Subservicer  which it replaces.  If the
Master  Servicer   enters  into  a  Subservicing   Agreement  with  a  successor
Subservicer,  the  Master  Servicer  shall use  reasonable  efforts  to have the
successor  Subservicer assume liability for the  representations  and warranties
made by the terminated Subservicer in respect of the related Mortgage Loans and,


                                       45
<PAGE>

in the event of any such  assumption  by the successor  Subservicer,  the Master
Servicer may, in the exercise of its business  judgment,  release the terminated
Subservicer from liability for such representations and warranties.

Section 3.04.  Liability of the Master Servicer.
               --------------------------------

        Notwithstanding  any  Subservicing  Agreement,  any of the provisions of
this  Agreement  relating  to  agreements  or  arrangements  between  the Master
Servicer or a Subservicer or reference to actions taken through a Subservicer or
otherwise,  the Master Servicer shall remain obligated and liable to the Trustee
and the  Certificateholders  for the servicing and administering of the Mortgage
Loans in accordance  with the  provisions of Section 3.01 without  diminution of
such  obligation  or  liability  by virtue of such  Subservicing  Agreements  or
arrangements or by virtue of indemnification from the Subservicer or the Company
and to the same extent and under the same terms and  conditions as if the Master
Servicer alone were servicing and  administering  the Mortgage Loans. The Master
Servicer  shall be entitled to enter into any agreement  with a  Subservicer  or
Seller for  indemnification of the Master Servicer and nothing contained in this
Agreement shall be deemed to limit or modify such indemnification.

Section 3.05.  No Contractual Relationship Between Subservicer and
                      Trustee or Certificateholders.
                      -----------------------------

        Any  Subservicing  Agreement  that may be  entered  into  and any  other
transactions or services  relating to the Mortgage Loans involving a Subservicer
in its capacity as such and not as an  originator  shall be deemed to be between
the  Subservicer  and  the  Master  Servicer  alone  and  the  Trustee  and  the
Certificateholders shall not be deemed parties thereto and shall have no claims,
rights,  obligations,  duties or liabilities  with respect to the Subservicer in
its  capacity  as such  except  as set  forth in  Section  3.06.  The  foregoing
provision  shall  not in any way  limit a  Subservicer's  obligation  to cure an
omission or defect or to  repurchase  a Mortgage  Loan as referred to in Section
2.02 hereof.

Section 3.06.  Assumption or Termination of Subservicing Agreements by Trustee.
               ---------------------------------------------------------------

(a) If the Master Servicer shall for any reason no longer be the master servicer
(including by reason of an Event of Default),  the Trustee,  its designee or its
successor shall thereupon assume all of the rights and obligations of the Master
Servicer under each Subservicing  Agreement that may have been entered into. The
Trustee,  its designee or the successor servicer for the Trustee shall be deemed
to have  assumed  all of the  Master  Servicer's  interest  therein  and to have
replaced  the Master  Servicer as a party to the  Subservicing  Agreement to the
same extent as if the  Subservicing  Agreement had been assigned to the assuming
party  except  that the Master  Servicer  shall not  thereby be  relieved of any
liability or obligations under the Subservicing Agreement.

(b) The Master Servicer shall, upon request of the Trustee but at the expense of
the Master  Servicer,  deliver to the assuming  party all  documents and records
relating  to each  Subservicing  Agreement  and the  Mortgage  Loans  then being
serviced and an accounting of amounts collected and held by it and otherwise use
its  best  efforts  to  effect  the  orderly  and  efficient  transfer  of  each
Subservicing Agreement to the assuming party.

                                       46
<PAGE>

Section  3.07.  Collection  of  Certain  Mortgage  Loan  Payments;  Deposits  to
     Custodial Account.

(a) The Master  Servicer shall make  reasonable  efforts to collect all payments
called for under the terms and provisions of the Mortgage  Loans,  and shall, to
the extent such procedures shall be consistent with this Agreement and the terms
and provisions of any related Primary Insurance  Policy,  follow such collection
procedures as it would employ in its good faith business  judgment and which are
normal and usual in its general mortgage servicing  activities.  Consistent with
the  foregoing,  the Master  Servicer may in its  discretion  (i) waive any late
payment charge or any prepayment  charge or penalty  interest in connection with
the  prepayment of a Mortgage Loan and (ii) extend the Due Date for payments due
on a Mortgage Loan in accordance with the Program Guide; provided, however, that
the Master Servicer shall first determine that any such waiver or extension will
not impair the coverage of any related  Primary  Insurance  Policy or materially
adversely  affect  the lien of the  related  Mortgage.  In the event of any such
arrangement,  the Master  Servicer  shall make  timely  advances  on the related
Mortgage Loan during the scheduled  period in accordance  with the  amortization
schedule of such  Mortgage Loan without  modification  thereof by reason of such
arrangements  unless  otherwise  agreed  to by the  Holders  of the  Classes  of
Certificates affected thereby;  provided,  however, that no such extension shall
be made if any such advance would be a Nonrecoverable  Advance.  Consistent with
the terms of this Agreement,  the Master Servicer may also waive, modify or vary
any  term  of any  Mortgage  Loan  or  consent  to the  postponement  of  strict
compliance with any such term or in any manner grant indulgence to any Mortgagor
if  in  the  Master   Servicer's   determination   such  waiver,   modification,
postponement  or  indulgence is not  materially  adverse to the interests of the
Certificateholders  (taking into account any estimated  Realized Loss that might
result absent such action); provided,  however, that the Master Servicer may not
modify  materially  or permit  any  Subservicer  to modify  any  Mortgage  Loan,
including  without  limitation any  modification  that would change the Mortgage
Rate,  forgive the payment of any  principal or interest  (unless in  connection
with the  liquidation of the related  Mortgage Loan or except in connection with
prepayments to the extent that such  reamortization is not inconsistent with the
terms of the Mortgage  Loan), 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; and provided, further, that no
such  modification  shall reduce the interest  rate on a Mortgage Loan below the
sum of the Pool Strip Rate and the sum of the rates at which the  Servicing  Fee
and the  Subservicing  Fee  with  respect  to such  Mortgage  Loan  accrues.  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):

                                       47
<PAGE>

(i)     All payments on account of principal,  including  Principal  Prepayments
        made by Mortgagors on the Mortgage Loans and the principal  component of
        any  Subservicer  Advance or of any REO Proceeds  received in connection
        with an REO Property for which an REO Disposition has occurred;

(ii)    All payments on account of interest at the Adjusted Mortgage Rate on the
        Mortgage  Loans,  including  Buydown  Funds,  if any,  and the  interest
        component of any Subservicer  Advance or of any REO Proceeds received in
        connection  with  an REO  Property  for  which  an REO  Disposition  has
        occurred;

(iii)Insurance Proceeds,  Subsequent Recoveries and Liquidation Proceeds (net of
     any related expenses of the Subservicer);

(iv)    All proceeds of any Mortgage Loans  purchased  pursuant to Section 2.02,
        2.03,  2.04  or  4.07  and  all  amounts  required  to be  deposited  in
        connection with the substitution of a Qualified Substitute Mortgage Loan
        pursuant to Section 2.03 or 2.04;

(v)  Any amounts required to be deposited pursuant to Section 3.07(c) or 3.21;

(vi) All  amounts  transferred  from the  Certificate  Account to the  Custodial
     Account in accordance with Section 4.02(a);

(vii)Any  amounts  realized  by the  Subservicer  and  received  by  the  Master
     Servicer in respect of any Additional Collateral; and

(viii) Any amounts received by the Master Servicer in respect of Pledged Assets.

The  foregoing  requirements  for  deposit  in the  Custodial  Account  shall be
exclusive,  it being understood and agreed that, without limiting the generality
of the foregoing, payments on the Mortgage Loans which are not part of the Trust
Fund  (consisting  of  payments  in respect of  principal  and  interest  on the
Mortgage Loans due on or before the Cut-off Date) and payments or collections in
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.

                                       48
<PAGE>

(c) The Master  Servicer  shall use its best  efforts  to cause the  institution
maintaining the Custodial  Account to invest the funds in the Custodial  Account
attributable to the Mortgage Loans in Permitted  Investments  which shall mature
not later than the  Certificate  Account Deposit Date next following the date of
such investment (with the exception of the Amount Held for Future  Distribution)
and which shall not be sold or disposed of prior to their maturities. All income
and gain  realized  from any such  investment  shall be for the  benefit  of the
Master Servicer as additional servicing compensation and shall be subject to its
withdrawal  or order from time to time.  The amount of any  losses  incurred  in
respect of any such  investments  attributable  to the  investment of amounts in
respect of the Mortgage Loans shall be deposited in the Custodial Account by the
Master Servicer out of its own funds  immediately as realized  without any right
of reimbursement.

(d) The Master  Servicer shall give notice to the Trustee and the Company of any
change  in the  location  of the  Custodial  Account  and  the  location  of the
Certificate Account prior to the use thereof.

Section 3.08.  Subservicing Accounts; Servicing Accounts.

(a) In those cases where a Subservicer  is servicing a Mortgage Loan pursuant to
a  Subservicing  Agreement,  the Master  Servicer  shall cause the  Subservicer,
pursuant to the  Subservicing  Agreement,  to establish and maintain one or more
Subservicing  Accounts which shall be an Eligible Account or, if such account is
not an Eligible Account, shall generally satisfy the requirements of the Program
Guide and be otherwise acceptable to the Master Servicer and each Rating Agency.
The  Subservicer  will be  required  thereby  to deposit  into the  Subservicing
Account  on a daily  basis  all  proceeds  of  Mortgage  Loans  received  by the
Subservicer,  less its Subservicing Fees and unreimbursed advances and expenses,
to the extent  permitted  by the  Subservicing  Agreement.  If the  Subservicing
Account is not an Eligible Account,  the Master Servicer shall be deemed to have
received such monies upon receipt  thereof by the  Subservicer.  The Subservicer
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.

                                       49
<PAGE>

(b)  The  Subservicer  may  also  be  required,  pursuant  to  the  Subservicing
Agreement,  to remit to the Master Servicer for deposit in the Custodial Account
interest at the Adjusted  Mortgage  Rate (or Modified Net Mortgage Rate plus the
rate per annum at which the  Servicing  Fee  accrues  in the case of a  Modified
Mortgage Loan) on any Curtailment  received by such  Subservicer in respect of a
Mortgage Loan from the related  Mortgagor during any month that is to be applied
by the  Subservicer  to reduce  the  unpaid  principal  balance  of the  related
Mortgage Loan as of the first day of such month, from the date of application of
such  Curtailment to the first day of the following month. Any amounts paid by a
Subservicer  pursuant to the preceding  sentence shall be for the benefit of the
Master Servicer as additional servicing compensation and shall be subject to its
withdrawal or order from time to time pursuant to Sections 3.10(a)(iv) and (v).

(c) In addition to the Custodial Account and the Certificate Account, the Master
Servicer  shall  for any  Nonsubserviced  Mortgage  Loan,  and  shall  cause the
Subservicers  for Subserviced  Mortgage Loans to,  establish and maintain one or
more Servicing  Accounts and deposit and retain therein all collections from the
Mortgagors   (or  advances  from   Subservicers)   for  the  payment  of  taxes,
assessments,  hazard insurance premiums,  Primary Insurance Policy premiums,  if
applicable,  or  comparable  items  for  the  account  of the  Mortgagors.  Each
Servicing Account shall satisfy the requirements for a Subservicing Account and,
to the extent  permitted by the Program  Guide or as is otherwise  acceptable to
the Master Servicer, may also function as a Subservicing Account. Withdrawals of
amounts  related to the Mortgage  Loans from the Servicing  Accounts may be made
only to effect timely payment of taxes, assessments,  hazard insurance premiums,
Primary  Insurance  Policy  premiums,  if applicable,  or comparable  items,  to
reimburse the Master Servicer or Subservicer out of related  collections for any
payments made  pursuant to Sections 3.11 (with respect to the Primary  Insurance
Policy)  and  3.12(a)  (with  respect  to  hazard  insurance),  to refund to any
Mortgagors  any sums as may be  determined to be overages,  to pay interest,  if
required,  to Mortgagors  on balances in the  Servicing  Account or to clear and
terminate  the  Servicing  Account  at the  termination  of  this  Agreement  in
accordance with Section 9.01 or in accordance with the Program Guide. As part of
its servicing  duties,  the Master Servicer shall,  and the  Subservicers  will,
pursuant to the  Subservicing  Agreements,  be required to pay to the Mortgagors
interest on funds in this account to the extent required by law.

(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


                                       50
<PAGE>

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 or 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
     particular  Mortgage  Loans  (including,  for this  purpose,  REO Proceeds,
     Insurance Proceeds,  Liquidation Proceeds and proceeds from the purchase of
     a  Mortgage  Loan  pursuant  to Section  2.02,  2.03,  2.04 or 4.07)  which
     represent  (A) Late  Collections  of  Monthly  Payments  for which any such
     advance was made in the case of Subservicer  Advances or Advances  pursuant
     to  Section  4.04 and (B)  recoveries  of  amounts in respect of which such
     advances were made in the case of Servicing Advances;

(iii)to pay to itself or the related  Subservicer (if not previously retained by
     such  Subservicer)  out of each payment  received by the Master Servicer on
     account of interest on a Mortgage Loan as contemplated by Sections 3.14 and
     3.16, an amount equal to that  remaining  portion of any such payment as to
     interest (but not in excess of the Servicing Fee and the Subservicing  Fee,
     if not  previously  retained)  which,  when  deducted,  will  result in the
     remaining  amount of such interest  being interest at the Net Mortgage Rate
     (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;

                                       51
<PAGE>

(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, any Advance made in connection with a modification
        of a 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  has  been  added  to the
        outstanding  principal  balance of the  Mortgage  Loan,  or any  Advance
        reimbursable to the Master Servicer pursuant to Section 4.02(a);

(viii)  to  reimburse  itself  or  the  Company  for  expenses  incurred  by and
        reimbursable to it or the Company  pursuant to Sections  3.01(a),  3.11,
        3.13,  3.14(c),  6.03,  10.01  or  otherwise,   or  in  connection  with
        enforcing,   in  accordance   with  this   Agreement,   any  repurchase,
        substitution or indemnification  obligation of any Seller (other than an
        Affiliate of the Company) pursuant to the related Seller's Agreement;

(ix)    to reimburse itself for Servicing  Advances  expended by it (a) pursuant
        to Section  3.14 in good faith in  connection  with the  restoration  of
        property  damaged by an Uninsured  Cause, and (b) in connection with the
        liquidation  of a Mortgage Loan or disposition of an REO Property to the
        extent not otherwise reimbursed pursuant to clause (ii) or (viii) above;
        and

(x)  to withdraw  any amount  deposited  in the  Custodial  Account that was not
     required to be deposited therein pursuant to Section 3.07.

(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  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).

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<PAGE>

Section 3.11.  Maintenance of the Primary Insurance
                      Policies; Collections Thereunder.

(a) The Master  Servicer shall not take, or permit any  Subservicer to take, any
action which would result in non-coverage under any applicable Primary Insurance
Policy  of any  loss  which,  but for the  actions  of the  Master  Servicer  or
Subservicer,  would have been  covered  thereunder.  To the extent  coverage  is
available,  the Master Servicer shall keep or cause to be kept in full force and
effect each such Primary  Insurance  Policy until the  principal  balance of the
related Mortgage Loan secured by a Mortgaged  Property is reduced to 80% or less
of  the  Appraised  Value  in  the  case  of  such  a  Mortgage  Loan  having  a
Loan-to-Value  Ratio at origination in excess of 80%, provided that such Primary
Insurance  Policy  was in  place as of the  Cut-off  Date  and the  Company  had
knowledge  of such  Primary  Insurance  Policy.  The  Master  Servicer  shall be
entitled to cancel or permit the discontinuation of any Primary Insurance Policy
as to any Mortgage Loan, if the Stated Principal Balance of the Mortgage Loan is
reduced  below an  amount  equal to 80% of the  appraised  value of the  related
Mortgaged  Property as  determined  in any  appraisal  thereof after the Closing
Date,  or if the  Loan-to-Value  Ratio  is  reduced  below  80% as a  result  of
principal  payments on the Mortgage  Loan after the Closing  Date.  In the event
that the Company  gains  knowledge  that as of the Closing Date, a Mortgage Loan
had a Loan-to-Value Ratio at origination in excess of 80% and is not the subject
of a Primary  Insurance  Policy (and was not  included in any  exception  to the
representation in Section 2.03(b)(iv)) and that such Mortgage Loan has a current
Loan-to-Value  Ratio in excess  of 80% then the  Master  Servicer  shall use its
reasonable  efforts to obtain and  maintain  a Primary  Insurance  Policy to the
extent  that such a policy is  obtainable  at a  reasonable  price.  The  Master
Servicer shall not cancel or refuse to renew any such Primary  Insurance  Policy
applicable to a  Nonsubserviced  Mortgage  Loan,  or consent to any  Subservicer
canceling or refusing to renew any such Primary Insurance Policy applicable to a
Mortgage  Loan  subserviced  by it, that is in effect at the date of the initial
issuance  of the  Certificates  and is  required  to be kept in force  hereunder
unless the replacement Primary Insurance Policy for such canceled or non-renewed
policy is maintained with an insurer whose  claims-paying  ability is acceptable
to each Rating  Agency for mortgage  pass-through  certificates  having a rating
equal to or better  than the  lower of the  then-current  rating  or the  rating
assigned to the Certificates as of the Closing Date by such Rating Agency.

(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;


                                       53
<PAGE>

provided,  however,  that such coverage may not be less than the minimum  amount
required to fully compensate for any loss or damage on a replacement cost basis.
To the extent it may do so without breaching the related Subservicing Agreement,
the Master  Servicer  shall  replace  any  Subservicer  that does not cause such
insurance, to the extent it is available, to be maintained.  The Master Servicer
shall also cause to be maintained on property acquired upon foreclosure, or deed
in lieu of  foreclosure,  of any Mortgage Loan (other than a Cooperative  Loan),
fire  insurance  with extended  coverage in an amount which is at least equal to
the  amount  necessary  to avoid  the  application  of any  co-insurance  clause
contained in the related hazard insurance policy.  Pursuant to Section 3.07, any
amounts  collected by the Master  Servicer  under any such policies  (other than
amounts to be  applied to the  restoration  or repair of the  related  Mortgaged
Property  or property  thus  acquired or amounts  released to the  Mortgagor  in
accordance with the Master  Servicer's  normal  servicing  procedures)  shall be
deposited in the Custodial  Account,  subject to withdrawal  pursuant to Section
3.10. Any cost incurred by the Master Servicer in maintaining any such insurance
shall  not,  for  the  purpose  of  calculating  monthly  distributions  to  the
Certificateholders,  be added to the  amount  owing  under  the  Mortgage  Loan,
notwithstanding  that the terms of the Mortgage Loan so permit. Such costs shall
be  recoverable  by the Master  Servicer  out of related  late  payments  by the
Mortgagor or out of Insurance  Proceeds and  Liquidation  Proceeds to the extent
permitted by Section  3.10.  It is  understood  and agreed that no earthquake or
other  additional  insurance is to be required of any Mortgagor or maintained on
property  acquired  in respect of a Mortgage  Loan other than  pursuant  to such
applicable  laws and  regulations  as shall at any time be in force and as shall
require such additional insurance. Whenever the improvements securing a Mortgage
Loan (other than a Cooperative  Loan) are located at the time of  origination of
such Mortgage  Loan in a federally  designated  special  flood hazard area,  the
Master  Servicer  shall cause flood  insurance  (to the extent  available) to be
maintained in respect thereof.  Such flood insurance shall be in an amount equal
to the lesser of (i) the amount required to compensate for any loss or damage to
the Mortgaged  Property on a replacement  cost basis and (ii) the maximum amount
of such  insurance  available  for the  related  Mortgaged  Property  under  the
national flood insurance program (assuming that the area in which such Mortgaged
Property is located is participating in such program).

        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.

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<PAGE>

(b) The Master Servicer shall obtain and maintain at its own expense and keep in
full force and effect  throughout the term of this Agreement a blanket  fidelity
bond and an errors and omissions insurance policy covering the Master Servicer's
officers and employees and other persons acting on behalf of the Master Servicer
in connection with its activities  under this Agreement.  The amount of coverage
shall be at least equal to the coverage  that would be required by Fannie Mae or
Freddie Mac,  whichever is greater,  with respect to the Master  Servicer if the
Master Servicer were servicing and  administering  the Mortgage Loans for Fannie
Mae or Freddie  Mac.  In the event that any such bond or policy  ceases to be in
effect, the Master Servicer shall obtain a comparable replacement bond or policy
from an issuer or insurer, as the case may be, meeting the requirements, if any,
of the  Program  Guide and  acceptable  to the  Company.  Coverage of the Master
Servicer under a policy or bond obtained by an Affiliate of the Master  Servicer
and  providing the coverage  required by this Section  3.12(b) shall satisfy the
requirements of this Section 3.12(b).

Section 3.13.  Enforcement of Due-on-Sale Clauses; Assumption and
                      Modification Agreements; Certain Assignments.
                      ---------------------------------------------

(a) When any  Mortgaged  Property  is  conveyed  by the  Mortgagor,  the  Master
Servicer or  Subservicer,  to the extent it has  knowledge  of such  conveyance,
shall enforce any due-on-sale clause contained in any Mortgage Note or Mortgage,
to the extent permitted under applicable law and governmental  regulations,  but
only to the extent that such enforcement will not adversely affect or jeopardize
coverage under any Required Insurance Policy. Notwithstanding the foregoing:

(i)     the  Master  Servicer  shall not be deemed to be in  default  under this
        Section 3.13(a) by reason of any transfer or assumption which the Master
        Servicer is restricted by law from preventing; and

(ii)    if the Master Servicer  determines that it is reasonably likely that any
        Mortgagor will bring,  or if any Mortgagor  does bring,  legal action to
        declare invalid or otherwise avoid  enforcement of a due-on-sale  clause
        contained in any Mortgage Note or Mortgage,  the Master  Servicer  shall
        not be  required to enforce the  due-on-sale  clause or to contest  such
        action.

(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


                                       55
<PAGE>

the unpaid  balance and interest on the  Mortgage  Loan to be  uncollectible  in
whole or in part,  (ii) any  required  consents of insurers  under any  Required
Insurance Policies have been obtained and (iii) subsequent to the closing of the
transaction  involving  the  assumption  or transfer (A) the Mortgage  Loan will
continue  to be secured by a first  mortgage  lien  pursuant to the terms of the
Mortgage,  (B) such transaction will not adversely affect the coverage under any
Required Insurance Policies,  (C) the Mortgage Loan will fully amortize over the
remaining term thereof, (D) no material term of the Mortgage Loan (including the
interest  rate on the  Mortgage  Loan) will be altered  nor will the term of the
Mortgage  Loan be  changed  and (E) if the  seller/transferor  of the  Mortgaged
Property is to be released  from  liability on the Mortgage  Loan,  such release
will  not  (based  on  the  Master   Servicer's  or  Subservicer's   good  faith
determination)  adversely affect the  collectability  of the Mortgage Loan. Upon
receipt of appropriate  instructions from the Master Servicer in accordance with
the  foregoing,  the Trustee shall execute any  necessary  instruments  for such
assumption  or  substitution  of  liability as directed in writing by the Master
Servicer.  Upon the closing of the transactions  contemplated by such documents,
the Master  Servicer shall cause the originals or true and correct copies of the
assumption agreement, the release (if any), or the modification or supplement to
the Mortgage  Note or Mortgage to be  delivered to the Trustee or the  Custodian
and deposited  with the Mortgage File for such Mortgage  Loan. Any fee collected
by the  Master  Servicer  or  such  related  Subservicer  for  entering  into an
assumption or substitution of liability agreement will be retained by the Master
Servicer or such Subservicer as additional servicing compensation.

(c) The Master Servicer or the related Subservicer, as the case may be, shall be
entitled  to approve a request  from a  Mortgagor  for a partial  release of the
related  Mortgaged  Property,  the  granting of an easement  thereon in favor of
another Person,  any alteration or demolition of the related Mortgaged  Property
(or,  with respect to a Cooperative  Loan,  the 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


                                       56
<PAGE>

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.  In  connection  with  such  foreclosure  or  other
conversion, the Master Servicer shall, consistent with Section 3.11, follow such
practices and  procedures as it shall deem  necessary or advisable,  as shall be
normal and usual in its general  mortgage  servicing  activities and as shall be
required or permitted by the Program  Guide;  provided that the Master  Servicer
shall not be liable in any respect hereunder if the Master Servicer is acting in
connection  with any such  foreclosure  or other  conversion in a manner that is
consistent with the provisions of this Agreement. The Master Servicer,  however,
shall not be  required  to  expend  its own  funds or incur  other  reimbursable
charges in connection with any foreclosure,  or 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


                                       57
<PAGE>

accordance  with  procedures  that the Master Servicer would follow in servicing
loans  held for its own  account,  subject  to the terms and  conditions  of the
related  Mortgage  and  Mortgage  Note and to the  terms and  conditions  of any
security agreement,  guarantee agreement,  mortgage or other agreement governing
the  disposition  of the  proceeds  of  such  Additional  Collateral)  shall  be
deposited in the Custodial  Account,  subject to withdrawal  pursuant to Section
3.10.  Any other  payment  received  by the Master  Servicer  in respect of such
Additional  Collateral  shall be deposited in the Custodial  Account  subject to
withdrawal pursuant to Section 3.10.

               For so long as the Master  Servicer is the Master  Servicer under
the Credit  Support  Pledge  Agreement,  the Master  Servicer  shall perform its
obligations  under the Credit Support Pledge  Agreement in accordance  with such
Agreement   and  in  a   manner   that  is  in  the   best   interests   of  the
Certificateholders.  Further,  the Master Servicer shall use its best reasonable
efforts to realize upon any Pledged  Assets for such of the Pledged  Asset Loans
as  come  into  and  continue  in  default  and  as  to  which  no  satisfactory
arrangements  can be made for  collection  of  delinquent  payments  pursuant to
Section  3.07;  provided  that the Master  Servicer  shall not, on behalf of the
Trustee,  obtain title to any such  Pledged  Assets as a result of or in lieu of
the disposition  thereof or otherwise;  and provided further that (i) the Master
Servicer  shall not proceed with  respect to such  Pledged  Assets in any manner
that would impair the ability to recover against the related Mortgaged Property,
and (ii) the Master  Servicer shall proceed with any REO Acquisition in a manner
that  preserves the ability to apply the proceeds of such Pledged Assets against
amounts owed under the defaulted  Mortgage Loan. Any proceeds realized from such
Pledged  Assets  (other  than  amounts to be released  to the  Mortgagor  or the
related  guarantor in accordance  with procedures that the Master Servicer would
follow in  servicing  loans held for its own  account,  subject to the terms and
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


                                       58
<PAGE>

to either of the following provisions, (i) a Cash Liquidation or REO Disposition
may be deemed to have  occurred if  substantially  all  amounts  expected by the
Master Servicer to be received in connection with the related defaulted Mortgage
Loan or REO Property have been  received,  and (ii) for purposes of  determining
the amount of any Liquidation Proceeds,  Insurance Proceeds, REO Proceeds or any
other  unscheduled  collections  or the amount of any Realized  Loss, the Master
Servicer may take into account minimal amounts of additional  receipts  expected
to be received or any estimated  additional  liquidation expenses expected to be
incurred in connection with the related defaulted Mortgage Loan or REO Property.

(b) If title to any  Mortgaged  Property is acquired by the Trust Fund as an REO
Property  by  foreclosure  or by  deed  in  lieu  of  foreclosure,  the  deed or
certificate  of sale shall be issued to the  Trustee or to its nominee on behalf
of  Certificateholders.  Notwithstanding  any  such  acquisition  of  title  and
cancellation  of the related  Mortgage Loan,  such REO Property shall (except as
otherwise expressly provided herein) be considered to be an Outstanding Mortgage
Loan held in the Trust Fund until such time as the REO  Property  shall be sold.
Consistent with the foregoing for purposes of all calculations hereunder so long
as such REO Property shall be considered to be an  Outstanding  Mortgage Loan it
shall be assumed that,  notwithstanding  that the indebtedness  evidenced by the
related  Mortgage  Note shall have been  discharged,  such Mortgage Note and the
related  amortization  schedule in effect at the time of any such acquisition of
title  (after  giving  effect  to  any  previous  Curtailments  and  before  any
adjustment  thereto by reason of any  bankruptcy  or similar  proceeding  or any
moratorium or similar waiver or grace period) remain in effect.

(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


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<PAGE>

acquired by the Trust Fund shall be rented (or allowed to continue to be rented)
or otherwise used by or on behalf of the Trust Fund in such a manner or pursuant
to any terms  that  would (i) cause  such REO  Property  to fail to  qualify  as
"foreclosure  property" within the meaning of Section  860G(a)(8) of the Code or
(ii) subject the Trust Fund to the imposition of any federal income taxes on the
income earned from such REO  Property,  including any taxes imposed by reason of
Section 860G(c) of the Code,  unless the Master Servicer has agreed to indemnify
and hold  harmless  the Trust Fund with  respect to the  imposition  of any such
taxes.

(d) The  proceeds  of any Cash  Liquidation,  REO  Disposition  or  purchase  or
repurchase of any Mortgage Loan pursuant to the terms of this Agreement, as well
as any recovery resulting from a collection of Liquidation  Proceeds,  Insurance
Proceeds or REO Proceeds,  will be applied in the  following  order of priority:
first, to reimburse the Master Servicer or the related Subservicer in accordance
with Section  3.10(a)(ii);  second, to the  Certificateholders  to the extent of
accrued and unpaid  interest on the Mortgage  Loan,  and any related REO Imputed
Interest,  at the Net Mortgage  Rate (or the  Modified Net Mortgage  Rate in the
case of a Modified Mortgage Loan) to the Due Date prior to the Distribution Date
on which such amounts are to be distributed; third, to the Certificateholders as
a recovery of principal on the Mortgage Loan (or REO Property);  fourth,  to all
Servicing Fees and Subservicing  Fees payable therefrom (and the Master Servicer
and the Subservicer  shall have no claims for any  deficiencies  with respect to
such fees which result from the foregoing allocation); and fifth, to Foreclosure
Profits.

(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


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<PAGE>

Mortgage  and to  execute  and  deliver,  on  behalf  of  the  Trustee  and  the
Certificateholders  or any of them, any and all  instruments of  satisfaction or
cancellation or of partial or full release.  No expenses  incurred in connection
with any instrument of satisfaction or deed of reconveyance  shall be chargeable
to the Custodial Account or the Certificate Account.

(b) From time to time as is appropriate  for the servicing or foreclosure of any
Mortgage Loan, the Master  Servicer shall deliver to the Custodian,  with a copy
to the Trustee, a certificate of a Servicing Officer substantially in one of the
forms  attached  as  Exhibit F  hereto,  or,  in the case of the  Custodian,  an
electronic  request  in a form  acceptable  to the  Custodian,  requesting  that
possession  of all, or any document  constituting  part of, the Mortgage File be
released to the Master Servicer and certifying as to the reason for such release
and that such release will not  invalidate  any insurance  coverage  provided in
respect of the Mortgage Loan under any Required  Insurance Policy.  Upon receipt
of the foregoing,  the Trustee shall deliver, or cause the Custodian to deliver,
the Mortgage  File or any document  therein to the Master  Servicer.  The Master
Servicer  shall cause each Mortgage File or any document  therein so released to
be returned to the Trustee,  or the  Custodian as agent for the Trustee when the
need therefor by the Master  Servicer no longer exists,  unless (i) the Mortgage
Loan has been liquidated and the Liquidation  Proceeds  relating to the Mortgage
Loan have been  deposited in the Custodial  Account or (ii) the Mortgage File or
such  document  has been  delivered  directly  or  through a  Subservicer  to an
attorney,  or to a public  trustee or other public  official as required by law,
for purposes of initiating or pursuing legal action or other proceedings for the
foreclosure of the Mortgaged Property either judicially or  non-judicially,  and
the Master  Servicer  has  delivered  directly or through a  Subservicer  to the
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


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<PAGE>

Liquidation  Proceeds,  Insurance  Proceeds  and REO  Proceeds  (net of  amounts
reimbursable  therefrom  pursuant to Section  3.10(a)(ii))  in respect of a Cash
Liquidation  or REO  Disposition  exceed  the unpaid  principal  balance of such
Mortgage  Loan plus  unpaid  interest  accrued  thereon  (including  REO Imputed
Interest)  at a per annum rate equal to the  related Net  Mortgage  Rate (or the
Modified Net Mortgage Rate in the case of a Modified  Mortgage Loan), the Master
Servicer  shall be entitled to retain  therefrom and to pay to itself and/or the
related   Subservicer,   any  Foreclosure  Profits  and  any  Servicing  Fee  or
Subservicing Fee considered to be accrued but unpaid.

(b)  Additional  servicing  compensation  in the  form  of  prepayment  charges,
assumption  fees,  late  payment  charges,  investment  income on amounts in the
Custodial  Account or the Certificate  Account or otherwise shall be retained by
the Master Servicer or the Subservicer to the extent provided herein, subject to
clause (e) below.

(c) The Master  Servicer  shall be  required  to pay,  or cause to be paid,  all
expenses  incurred by it in connection with its servicing  activities  hereunder
(including  payment of premiums for the Primary Insurance  Policies,  if any, to
the extent such premiums are not required to be paid by the related  Mortgagors,
and the fees and  expenses of the Trustee  and any  Custodian)  and shall not be
entitled to reimbursement  therefor except as specifically  provided in Sections
3.10 and 3.14.

(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


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<PAGE>

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,  the Trustee and any
Certificate Insurer on or before March 31 of each year, beginning with the first
March 31 that occurs at least six months  after the Cut-off  Date,  an Officers'
Certificate  stating,  as to each  signer  thereof,  that  (i) a  review  of the
activities of the Master Servicer during the preceding  calendar year related to
its servicing of mortgage loans and its performance  under pooling and servicing
agreements,  including  this  Agreement,  has been  made  under  such  officers'
supervision, (ii) to the best of such officers' knowledge, based on such review,
the Master  Servicer  has  complied in all  material  respects  with the minimum
servicing  standards  set forth in the Uniform  Single  Attestation  Program for
Mortgage Bankers and has fulfilled all of its material  obligations  relating to
this Agreement in all material  respects  throughout such year, or, if there has
been material  noncompliance  with such servicing  standards or a default in the
fulfillment  in all material  respects of any such  obligation  relating to this
Agreement,  such statement shall include a description of such  noncompliance or
specify  each such  default,  as the case may be,  known to such officer and the
nature and status  thereof  and (iii) to the best of such  officers'  knowledge,
each  Subservicer  has  complied  in all  material  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  March 31 of each year,  beginning  with the first March 31
that occurs at least six months after the Cut-off Date,  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.

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<PAGE>

Section 3.20.  Rights of the Company in Respect of the Master Servicer.
               --------------------------------------------------------

        The Master Servicer shall afford the Company,  upon  reasonable  notice,
during  normal  business  hours access to all records  maintained  by the Master
Servicer  in  respect  of its rights  and  obligations  hereunder  and access to
officers of the Master Servicer responsible for such obligations.  Upon request,
the Master  Servicer  shall  furnish the Company with its most recent  financial
statements and such other information as the Master Servicer possesses regarding
its business,  affairs,  property and  condition,  financial or  otherwise.  The
Master   Servicer  shall  also  cooperate  with  all  reasonable   requests  for
information  including,  but not limited to, notices, tapes and copies of files,
regarding  itself,  the Mortgage  Loans or the  Certificates  from any Person or
Persons identified by the Company or Residential  Funding.  The Company may, but
is not obligated to, enforce the  obligations of the Master  Servicer  hereunder
and may, but is not obligated to, perform,  or cause a designee to perform,  any
defaulted  obligation of the Master Servicer hereunder or exercise the rights of
the Master  Servicer  hereunder;  provided that the Master Servicer shall not be
relieved of any of its  obligations  hereunder by virtue of such  performance by
the Company or its designee.  The Company shall not have any  responsibility  or
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


                                      64
<PAGE>

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.

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<PAGE>

                                   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.

Section 4.02.  Distributions.
               -------------

                      As provided in Section 4.02 of the Series Supplement.

Section 4.03.  Statements to Certificateholders.
               --------------------------------

     (a) Concurrently with each distribution  charged to the Certificate Account
and with respect to each  Distribution Date the Master Servicer shall forward to
the Trustee and the Trustee  shall either  forward by 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


                                       66
<PAGE>

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.

     (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.

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.

                                       67
<PAGE>

(b) On or before 2:00 P.M.  New York time on each  Certificate  Account  Deposit
Date, the Master  Servicer shall either (i) deposit in the  Certificate  Account
from its own funds, or funds received therefor from the Subservicers,  an amount
equal to the  Advances  to be made by the  Master  Servicer  in  respect  of the
related  Distribution  Date,  which shall be in an aggregate amount equal to the
aggregate  amount of  Monthly  Payments  (with  each  interest  portion  thereof
adjusted to the Net  Mortgage  Rate),  less the amount of any related  Servicing
Modifications,  Debt Service  Reductions or reductions in the amount of interest
collectable  from the Mortgagor  pursuant to the  Soldiers'  and Sailors'  Civil
Relief Act of 1940, as amended,  or similar  legislation or regulations  then in
effect,  on the  Outstanding  Mortgage  Loans as of the related Due Date,  which
Monthly  Payments were  delinquent as of the close of business as of the related
Determination  Date;  provided  that no  Advance  shall be made if it would be a
Nonrecoverable  Advance,  (ii) withdraw from amounts on deposit in the Custodial
Account  and deposit in the  Certificate  Account all or a portion of the Amount
Held for Future  Distribution  in discharge of any such  Advance,  or (iii) make
advances in the form of any  combination of (i) and (ii)  aggregating the amount
of such Advance.  Any portion of the Amount Held for Future Distribution so used
shall be replaced by the Master Servicer by deposit in the  Certificate  Account
on or before 11:00 A.M. New York time on any future Certificate  Account Deposit
Date to the  extent  that  funds  attributable  to the  Mortgage  Loans that are
available in the  Custodial  Account for deposit in the  Certificate  Account on
such   Certificate   Account  Deposit  Date  shall  be  less  than  payments  to
Certificateholders  required to be made on the following  Distribution Date. The
Master  Servicer  shall be entitled to use any Advance made by a Subservicer  as
described in Section 3.07(b) that has been deposited in the Custodial Account on
or before  such  Distribution  Date as part of the  Advance  made by the  Master
Servicer pursuant to this Section 4.04. The amount of any reimbursement pursuant
to Section 4.02(a) in respect of outstanding  Advances on any Distribution  Date
shall be allocated to specific  Monthly Payments due but delinquent for previous
Due Periods,  which  allocation  shall be made,  to the extent  practicable,  to
Monthly Payments which have been delinquent for the longest period of time. Such
allocations  shall be  conclusive  for purposes of  reimbursement  to the Master
Servicer from recoveries on related Mortgage Loans pursuant to Section 3.10.

        The   determination   by  the  Master   Servicer  that  it  has  made  a
Nonrecoverable Advance or that any proposed Advance, if made, would constitute a
Nonrecoverable  Advance,  shall be evidenced by an Officers'  Certificate of the
Master Servicer delivered to the Company and the Trustee.

        If the Master  Servicer  determines as of the Business Day preceding any
Certificate  Account  Deposit  Date  that it will be unable  to  deposit  in the
Certificate  Account an amount equal to the Advance  required to be made for the
immediately succeeding Distribution Date, it shall give notice to the Trustee of
its inability to advance (such notice may be given by telecopy),  not later than
3:00 P.M.,  New York time, on such Business Day,  specifying the portion of such
amount  that it will be unable to  deposit.  Not later than 3:00 P.M.,  New York
time, on the Certificate Account Deposit Date the Trustee shall, unless by 12:00
Noon, New York time, on such day the Trustee shall have been notified in writing
(by  telecopy)  that the Master  Servicer  shall  have  directly  or  indirectly
deposited in the  Certificate  Account such portion of the amount of the Advance
as to which  the  Master  Servicer  shall  have  given  notice  pursuant  to the
preceding  sentence,  pursuant to Section 7.01,  (a) terminate all of the rights
and  obligations of the Master  Servicer under this Agreement in accordance with


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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.

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.

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<PAGE>

(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.

(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.

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<PAGE>

                                   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


                                       71
<PAGE>

directions  from,  and  votes  of,  the  Depository  as  Holder  of any Class of
Book-Entry  Certificates  with  respect to any  particular  matter  shall not be
deemed  inconsistent  if they are made with  respect  to  different  Certificate
Owners.  The Trustee may establish a reasonable  record date in connection  with
solicitations  of consents from or voting by  Certificateholders  and shall give
notice to the Depository of such record date.

        If (i)(A) the Company advises the Trustee in writing that the Depository
is no longer  willing or able to  properly  discharge  its  responsibilities  as
Depository and (B) the Company is unable to locate a qualified successor or (ii)
the  Company  at its option  advises  the  Trustee in writing  that it elects to
terminate the book-entry system through the Depository, the Trustee shall notify
all Certificate  Owners,  through the Depository,  of the occurrence of any such
event and of the availability of Definitive  Certificates to Certificate  Owners
requesting   the  same.   Upon  surrender  to  the  Trustee  of  the  Book-Entry
Certificates by the Depository,  accompanied by registration  instructions  from
the  Depository  for  registration  of  transfer,  the  Trustee  shall issue the
Definitive  Certificates.  Neither  the  Company,  the Master  Servicer  nor the
Trustee shall be liable for any actions taken by the  Depository or its nominee,
including,  without  limitation,  any delay in delivery of such instructions and
may  conclusively   rely  on,  and  shall  be  protected  in  relying  on,  such
instructions. Upon the issuance of Definitive Certificates all references herein
to obligations imposed upon or to be performed by the Company in connection with
the issuance of the Definitive  Certificates pursuant to this Section 5.01 shall
be deemed to be imposed upon and  performed by the Trustee,  and the Trustee and
the Master Servicer shall  recognize the Holders of the Definitive  Certificates
as Certificateholders hereunder.

(c) From time to time  Residential  Funding,  as the initial Holder of the Class
A-V  Certificates,  may  exchange  such  Holder's  Class  A-V  Certificates  for
Subclasses  of Class A-V  Certificates  to be issued  under  this  Agreement  by
delivering a "Request for Exchange" substantially in the form attached hereto as
Exhibit N executed by an authorized officer, which Subclasses, in the aggregate,
will   represent  the   Uncertificated   Class  A-V  REMIC   Regular   Interests
corresponding  to the Class A-V  Certificates so surrendered  for exchange.  Any
Subclass so issued  shall bear a  numerical  designation  commencing  with Class
A-V-1 and continuing sequentially thereafter, and will evidence ownership of the
Uncertificated  REMIC Regular Interest or Interests specified in writing by such
initial  Holder to the  Trustee.  The  Trustee  may  conclusively,  without  any
independent  verification,  rely on,  and  shall be  protected  in  relying  on,
Residential  Funding's  determinations  of the  Uncertificated  Class  A-V REMIC
Regular Interests corresponding to any Subclass, the Initial Notional Amount and
the initial  Pass-Through  Rate on a Subclass  as set forth in such  Request for
Exchange and the Trustee  shall have no duty to determine if any  Uncertificated
Class  A-V  REMIC  Regular  Interest   designated  on  a  Request  for  Exchange
corresponds  to a Subclass which has  previously  been issued.  Each Subclass so
issued shall be  substantially  in the form set forth in Exhibit A and shall, on
original  issue,  be executed and  delivered  by the Trustee to the  Certificate
Registrar for  authentication  and delivery in accordance with Section  5.01(a).
Every  Certificate  presented or surrendered  for exchange by the initial Holder
shall (if so  required  by the  Trustee or the  Certificate  Registrar)  be duly
endorsed by, or be accompanied by a written  instrument of transfer  attached to
such  Certificate and shall be completed to the  satisfaction of the Trustee and
the  Certificate  Registrar  duly executed by, the initial Holder thereof or his
attorney duly authorized in writing.  The  Certificates of any Subclass of Class
A-V  Certificates  may be transferred  in whole,  but not in part, in accordance
with the provisions of Section 5.02.

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<PAGE>

Section 5.02.  Registration of Transfer and Exchange of Certificates.
               ------------------------------------------------------

(a) The  Trustee  shall cause to be kept at one of the offices or agencies to be
appointed by the Trustee in  accordance  with the  provisions  of Section 8.12 a
Certificate Register in which, subject to such reasonable  regulations as it may
prescribe, the Trustee shall provide for the registration of Certificates and of
transfers  and  exchanges of  Certificates  as herein  provided.  The Trustee is
initially  appointed  Certificate  Registrar  for  the  purpose  of  registering
Certificates and transfers and exchanges of Certificates as herein provided. The
Certificate Registrar,  or the Trustee, shall provide the Master Servicer with a
certified list of Certificateholders as of each Record Date prior to the related
Determination Date.

(b) Upon surrender for registration of transfer of any Certificate at any office
or agency of the Trustee  maintained  for such purpose  pursuant to Section 8.12
and,  in the  case  of any  Class  M,  Class  B or  Class  R  Certificate,  upon
satisfaction  of the conditions  set forth below,  the Trustee shall execute and
the Certificate  Registrar shall  authenticate  and deliver,  in the name of the
designated  transferee or  transferees,  one or more new  Certificates of a like
Class (or Subclass) and aggregate Percentage Interest.

(c) At the option of the  Certificateholders,  Certificates may be exchanged for
other Certificates of authorized denominations of a like Class (or Subclass) and
aggregate  Percentage  Interest,  upon  surrender  of  the  Certificates  to  be
exchanged  at any such  office  or  agency.  Whenever  any  Certificates  are so
surrendered for exchange the Trustee shall execute and the Certificate Registrar
shall  authenticate  and  deliver  the  Certificates  of such  Class  which  the
Certificateholder  making the exchange is entitled to receive. Every Certificate
presented or  surrendered  for transfer or exchange shall (if so required by the
Trustee or the Certificate  Registrar) be duly endorsed by, or be accompanied by
a written  instrument  of transfer in form  satisfactory  to the Trustee and the
Certificate  Registrar duly executed by, the Holder thereof or his attorney duly
authorized in writing.

(d) No transfer,  sale,  pledge or other  disposition  of a Class B  Certificate
shall be made unless such transfer,  sale, pledge or other disposition is exempt
from the  registration  requirements  of the Securities Act of 1933, as amended,
and any applicable  state securities laws or is made in accordance with said Act
and laws.  In the event that a transfer of a Class B  Certificate  is to be made
either (i)(A) the Trustee shall require a written Opinion of Counsel  acceptable
to and in form and  substance  satisfactory  to the Trustee and the Company that
such transfer may be made pursuant to an exemption,  describing  the  applicable
exemption  and the  basis  therefor,  from  said Act and  laws or is being  made
pursuant to said Act and laws,  which Opinion of Counsel shall not be an expense
of the  Trustee,  the  Company  or the Master  Servicer  (except  that,  if such
transfer is made by the Company or the Master Servicer or any Affiliate thereof,
the Company or the Master  Servicer  shall  provide  such  Opinion of Counsel at
their own  expense);  provided that such Opinion of Counsel will not be required
in connection with the initial  transfer of any such  Certificate by the Company
or any  Affiliate  thereof to the Company or an Affiliate of the Company and (B)
the Trustee shall require the  transferee  to execute a  representation  letter,
substantially in the form of Exhibit H hereto, and the Trustee shall require the
transferor  to execute a  representation  letter,  substantially  in the form of
Exhibit I hereto,  each acceptable to and in form and substance  satisfactory to
the Company and the Trustee  certifying to the Company and the Trustee the facts
surrounding such transfer,  which representation letters shall not be an expense
of the Trustee, the Company or the Master Servicer; provided, however, that such
representation  letters will not be 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


                                       73
<PAGE>

rely upon a representation  (which, upon the request of the Trustee,  shall be a
written representation) from the Company, of the status of such transferee as an
Affiliate  of  the  Company  or  (ii)  the  prospective  transferee  of  such  a
Certificate shall be required to provide the Trustee, the Company and the Master
Servicer  with an  investment  letter  substantially  in the form of  Exhibit  J
attached hereto (or such other form as the Company in its sole discretion  deems
acceptable), which investment letter shall not be an expense of the Trustee, the
Company or the Master Servicer,  and which investment  letter states that, among
other  things,  such  transferee  (A) is a  "qualified  institutional  buyer" as
defined  under Rule 144A,  acting for its own  account or the  accounts of other
"qualified  institutional  buyers" as defined under Rule 144A,  and (B) is aware
that the proposed  transferor intends to rely on the exemption from registration
requirements  under the  Securities  Act of 1933,  as amended,  provided by Rule
144A. The Holder of any such  Certificate  desiring to effect any such transfer,
sale, pledge or other disposition shall, and does hereby agree to, indemnify the
Trustee, the Company, the Master Servicer and the Certificate  Registrar against
any liability that may result if the transfer, sale, pledge or other disposition
is not so exempt or is not made in accordance with such federal and state laws.

(e)  (i) In the  case  of any  Class  B or  Class R  Certificate  presented  for
     registration  in the  name of any  Person,  either  (A) the  Trustee  shall
     require  an  Opinion of  Counsel  acceptable  to and in form and  substance
     satisfactory  to the  Trustee,  the Company and the Master  Servicer to the
     effect that the purchase or holding of such Class B or Class R  Certificate
     is permissible  under  applicable law, will not constitute or result in any
     non-exempt  prohibited  transaction  under  Section  406  of  the  Employee
     Retirement  Income Security Act of 1974, as amended  ("ERISA"),  or Section
     4975 of the Code (or comparable  provisions of any subsequent  enactments),
     and will not subject the Trustee, the Company or the Master Servicer to any
     obligation or liability  (including  obligations or liabilities under ERISA
     or  Section  4975 of the  Code) in  addition  to those  undertaken  in this
     Agreement, which Opinion of Counsel shall not be an expense of the Trustee,
     the Company or the Master Servicer or (B) the prospective  Transferee shall
     be  required to provide the  Trustee,  the Company and the Master  Servicer
     with a certification  to the effect set forth in paragraph six of Exhibit H
     (with respect to any Class B Certificate) or paragraph  fourteen 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


                                       74
<PAGE>

     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),  and PTE 2000-58,
               65 Fed. Reg. 67765 (November 13, 2000) (the "RFC Exemption"), and
               that it  understands  that there are  certain  conditions  to the
               availability of the RFC Exemption including that such Certificate
               must be rated, at the time of purchase, not lower than "BBB-" (or
               its  equivalent)  by  Standard & Poor's,  Fitch or Moody's or (c)
               such Transferee is a Complying Insurance Company.

               (iii) (A) If any Class M Certificate (or any interest therein) is
               acquired  or  held  by any  Person  that  does  not  satisfy  the
               conditions  described  in  paragraph  (ii)  above,  then the last
               preceding Transferee that either (i) is not a Plan Investor, (ii)
               acquired such  Certificate in compliance  with the RFC Exemption,
               or (iii) is a Complying  Insurance Company shall be restored,  to
               the extent  permitted  by law, to all rights and  obligations  as
               Certificate  Owner  thereof  retroactive  to  the  date  of  such
               Transfer of such Class M Certificate.  The Trustee shall be under
               no  liability  to any Person for making any  payments due on such
               Certificate to such preceding Transferee.

                      (B) Any purported  Certificate  Owner whose acquisition or
               holding of any Class M  Certificate  (or  interest  therein)  was
               effected in violation of the restrictions in this Section 5.02(e)
               shall indemnify and hold harmless the Company,  the Trustee,  the
               Master Servicer, any Subservicer,  the Underwriters and the Trust
               Fund from and against any and all liabilities,  claims,  costs or
               expenses incurred by such parties as a result of such acquisition
               or holding.

(f) (i) Each Person who has or who acquires any Ownership  Interest in a Class R
Certificate  shall be deemed by the  acceptance or acquisition of such Ownership
Interest  to have  agreed to be bound by the  following  provisions  and to have
irrevocably  authorized the Trustee or its designee under clause  (iii)(A) below
to deliver  payments  to a Person  other than such Person and to  negotiate  the
terms of any  mandatory  sale under  clause  (iii)(B)  below and to execute  all
instruments of transfer and to do all other things  necessary in connection with
any such sale. The rights of each Person  acquiring any Ownership  Interest in a
Class R Certificate are expressly subject to the following provisions:

(A)  Each  Person  holding or  acquiring  any  Ownership  Interest  in a Class R
     Certificate  shall be a Permitted  Transferee and shall promptly notify the
     Trustee of any  change or  impending  change in its  status as a  Permitted
     Transferee.

                                       75
<PAGE>

(B)  In connection  with any proposed  Transfer of any  Ownership  Interest in a
     Class R  Certificate,  the Trustee shall require  delivery to it, and shall
     not register the Transfer of any Class R Certificate  until its receipt of,
     (I) an affidavit and agreement (a "Transfer  Affidavit and  Agreement,"  in
     the form attached hereto as Exhibit G-1) from the proposed  Transferee,  in
     form and substance  satisfactory to the Master  Servicer,  representing and
     warranting,  among other things, that it is a Permitted Transferee, that it
     is not acquiring its Ownership  Interest in the Class R Certificate that is
     the subject of the proposed Transfer as a nominee, trustee or agent for any
     Person who is not a  Permitted  Transferee,  that for so long as it retains
     its Ownership Interest in a Class R Certificate, it will endeavor to remain
     a Permitted  Transferee,  and that it has reviewed the  provisions  of this
     Section 5.02(f) and agrees to be bound by them, and (II) a certificate,  in
     the form  attached  hereto as  Exhibit  G-2,  from the  Holder  wishing  to
     transfer the Class R Certificate, in form and substance satisfactory to the
     Master Servicer,  representing and warranting,  among other things, that no
     purpose of the proposed  Transfer is to impede the assessment or collection
     of tax.

(C)  Notwithstanding  the delivery of a Transfer  Affidavit  and  Agreement by a
     proposed Transferee under clause (B) above, if a Responsible Officer of the
     Trustee who is assigned to this  Agreement  has actual  knowledge  that the
     proposed  Transferee  is not a  Permitted  Transferee,  no  Transfer  of an
     Ownership  Interest in a Class R Certificate  to such  proposed  Transferee
     shall be effected.

(D)  Each  Person  holding or  acquiring  any  Ownership  Interest  in a Class R
     Certificate  shall agree (x) to require a Transfer  Affidavit and Agreement
     from any  other  Person  to whom  such  Person  attempts  to  transfer  its
     Ownership  Interest in a Class R  Certificate  and (y) not to transfer  its
     Ownership  Interest  unless it provides a certificate to the Trustee in the
     form attached hereto as Exhibit G-2.

(E)  Each  Person  holding  or  acquiring  an  Ownership  Interest  in a Class R
     Certificate,  by  purchasing  an  Ownership  Interest in such  Certificate,
     agrees  to give  the  Trustee  written  notice  that it is a  "pass-through
     interest  holder"  within the  meaning of  Temporary  Treasury  Regulations
     Section   1.67-3T(a)(2)(i)(A)   immediately  upon  acquiring  an  Ownership
     Interest  in a Class R  Certificate,  if it is, or is holding an  Ownership
     Interest in a Class R Certificate  on behalf of, a  "pass-through  interest
     holder."

(ii)    The Trustee will register the Transfer of any Class R  Certificate  only
        if it shall have  received  the  Transfer  Affidavit  and  Agreement,  a
        certificate of the Holder  requesting such transfer in the form attached
        hereto as Exhibit G-2 and all of such other documents as shall have been
        reasonably  required by the Trustee as a condition to such registration.
        Transfers of the Class R Certificates  to Non-United  States Persons and
        Disqualified  Organizations  (as  defined in Section  860E(e)(5)  of the
        Code) are prohibited.

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<PAGE>

(iii)(A) If any  Disqualified  Organization  shall  become a holder of a Class R
     Certificate,   then  the  last  preceding  Permitted  Transferee  shall  be
     restored,  to the extent permitted by law, to all rights and obligations as
     Holder thereof  retroactive to the date of registration of such Transfer of
     such Class R  Certificate.  If a  Non-United  States  Person shall become a
     holder of a Class R  Certificate,  then the last  preceding  United  States
     Person shall be restored, to the extent permitted by law, to all rights and
     obligations as Holder thereof  retroactive to the date of  registration  of
     such  Transfer  of such Class R  Certificate.  If a  transfer  of a Class R
     Certificate  is   disregarded   pursuant  to  the  provisions  of  Treasury
     Regulations  Section 1.860E-1 or Section 1.860G-3,  then the last preceding
     Permitted Transferee shall be restored,  to the extent permitted by law, to
     all rights and  obligations  as Holder  thereof  retroactive to the date of
     registration  of such  Transfer  of such Class R  Certificate.  The Trustee
     shall be under no liability to any Person for any  registration of Transfer
     of a Class R  Certificate  that is in fact not  permitted  by this  Section
     5.02(f) or for making any  payments due on such  Certificate  to the holder
     thereof or for taking any other  action with  respect to such holder  under
     the provisions of this Agreement.

     (B)  If any  purported  Transferee  shall  become  a  Holder  of a  Class R
          Certificate in violation of the  restrictions  in this Section 5.02(f)
          and to the extent that the  retroactive  restoration  of the rights of
          the Holder of such Class R Certificate as described in clause (iii)(A)
          above  shall be  invalid,  illegal or  unenforceable,  then the Master
          Servicer  shall  have the right,  without  notice to the holder or any
          prior  holder  of such  Class R  Certificate,  to  sell  such  Class R
          Certificate  to a purchaser  selected  by the Master  Servicer on such
          terms as the Master  Servicer may choose.  Such  purported  Transferee
          shall  promptly  endorse  and  deliver  each  Class R  Certificate  in
          accordance  with  the  instructions  of  the  Master  Servicer.   Such
          purchaser  may be the Master  Servicer  itself or any Affiliate of the
          Master  Servicer.  The proceeds of such sale,  net of the  commissions
          (which may include  commissions  payable to the Master Servicer or its
          Affiliates),  expenses and taxes due, if any,  will be remitted by the
          Master Servicer to such purported Transferee. The terms and conditions
          of any sale under this clause (iii)(B) shall be determined in the sole
          discretion of the Master  Servicer,  and the Master Servicer shall not
          be liable to any  Person  having an  Ownership  Interest  in a Class R
          Certificate as a result of its exercise of such discretion.

(iv) The Master Servicer, on behalf of the Trustee,  shall make available,  upon
     written request from the Trustee, all information  necessary to compute any
     tax imposed (A) as a result of the Transfer of an  Ownership  Interest in a
     Class R  Certificate  to any  Person  who is a  Disqualified  Organization,
     including the  information  regarding  "excess  inclusions" of such Class R
     Certificates  required to be provided to the Internal  Revenue  Service and
     certain   Persons   as   described   in   Treasury   Regulations   Sections
     1.860D-1(b)(5)  and  1.860E-2(a)(5),  and (B) as a result of any  regulated
     investment  company,  real  estate  investment  trust,  common  trust fund,
     partnership, trust, estate or organization described in Section 1381 of the
     Code that holds an Ownership  Interest in a Class R  Certificate  having as
     among its  record  holders  at any time any  Person  who is a  Disqualified
     Organization. Reasonable compensation for providing such information may be
     required by the Master Servicer from such Person.

                                       77
<PAGE>

(v)     The  provisions  of this Section  5.02(f) set forth prior to this clause
        (v) may be modified,  added to or eliminated,  provided that there shall
        have been delivered to the Trustee the following:

     (A)  written  notification  from each Rating  Agency to the effect that the
          modification,  addition to or elimination of such  provisions will not
          cause such Rating Agency to downgrade  its  then-current  ratings,  if
          any, of any Class of the Senior, Class M or Class B Certificates below
          the lower of the  then-current  rating or the rating  assigned to such
          Certificates as of the Closing Date by such Rating Agency; and

     (B)  subject to Section  10.01(f),  an Officers'  Certificate of the Master
          Servicer  stating that the Master  Servicer has received an Opinion of
          Counsel, in form and substance satisfactory to the Master Servicer, to
          the  effect  that such  modification,  addition  to or absence of such
          provisions  will not cause any portion of any REMIC  formed  under the
          Series  Supplement  to cease to  qualify as a REMIC and will not cause
          (x) any portion of any REMIC formed under the Series  Supplement to be
          subject to an  entity-level  tax caused by the Transfer of any Class R
          Certificate to a Person that is a Disqualified  Organization  or (y) a
          Certificateholder  or another Person to be subject to a  REMIC-related
          tax caused by the Transfer of a Class R  Certificate  to a Person that
          is not a Permitted Transferee.

     (g) No  service  charge  shall  be made for any  transfer  or  exchange  of
Certificates  of any  Class,  but  the  Trustee  may  require  payment  of a sum
sufficient  to cover  any tax or  governmental  charge  that may be  imposed  in
connection with any transfer or exchange of Certificates.

     (h) All  Certificates  surrendered  for  transfer  and  exchange  shall  be
destroyed by the Certificate Registrar.

Section 5.03.  Mutilated, Destroyed, Lost or Stolen Certificates.
               --------------------------------------------------

        If (i) any  mutilated  Certificate  is  surrendered  to the  Certificate
Registrar,  or the Trustee and the  Certificate  Registrar  receive  evidence to
their  satisfaction of the destruction,  loss or theft of any  Certificate,  and
(ii) there is  delivered  to the  Trustee  and the  Certificate  Registrar  such
security or indemnity as may be required by them to save each of them  harmless,
then, in the absence of notice to the Trustee or the Certificate  Registrar that
such  Certificate has been acquired by a bona fide purchaser,  the Trustee shall
execute  and the  Certificate  Registrar  shall  authenticate  and  deliver,  in
exchange  for or in lieu  of any  such  mutilated,  destroyed,  lost  or  stolen
Certificate,  a new Certificate of like tenor, Class and Percentage Interest but
bearing a number not contemporaneously outstanding. Upon the issuance of any new
Certificate  under this  Section,  the  Trustee may require the payment of a sum


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<PAGE>

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.

        The Trustee  shall cause each Paying Agent to execute and deliver to the
Trustee an  instrument  in which such Paying  Agent shall agree with the Trustee
that such  Paying  Agent  will hold all sums held by it for the  payment  to the
Certificateholders in trust for the benefit of the  Certificateholders  entitled
thereto  until such sums shall be paid to such  Certificateholders.  Any sums so
held by such Paying Agent shall be held only in Eligible  Accounts to the extent
such sums are not distributed to the  Certificateholders  on the date of receipt
by such Paying Agent.

                                       79
<PAGE>

                                   ARTICLE VI

                       THE COMPANY AND THE MASTER SERVICER

Section 6.01.  Respective Liabilities of the Company and the Master Servicer.
               --------------------------------------------------------------

        The Company and the Master  Servicer  shall each be liable in accordance
herewith only to the extent of the  obligations  specifically  and  respectively
imposed upon and undertaken by the Company and the Master  Servicer  herein.  By
way of  illustration  and not  limitation,  the  Company  is not  liable for the
servicing  and  administration  of the  Mortgage  Loans,  nor is it obligated by
Section 7.01 or Section 10.01 to assume any  obligations of the Master  Servicer
or to appoint a designee  to assume such  obligations,  nor is it liable for any
other  obligation  hereunder that it may, but is not obligated to, assume unless
it elects to assume such obligation in accordance herewith.

Section 6.02.  Merger or  Consolidation  of the Company or the Master  Servicer;
     Assignment of Rights and Delegation of Duties by Master Servicer.

(a) The  Company  and the  Master  Servicer  will each keep in full  effect  its
existence, rights and franchises as a corporation under the laws of the state of
its  incorporation,  and will each obtain and preserve its  qualification  to do
business  as  a  foreign   corporation  in  each   jurisdiction  in  which  such
qualification   is  or  shall  be   necessary   to  protect  the   validity  and
enforceability of this Agreement,  the Certificates or any of the Mortgage Loans
and to perform its respective duties under this Agreement.

(b) Any Person  into which the Company or the Master  Servicer  may be merged or
consolidated,  or any corporation  resulting from any merger or consolidation to
which  the  Company  or the  Master  Servicer  shall be a party,  or any  Person
succeeding to the business of the Company or the Master  Servicer,  shall be the
successor of the Company or the Master Servicer,  as the case may be, hereunder,
without the  execution  or filing of any paper or any further act on the part of
any of the parties  hereto,  anything  herein to the  contrary  notwithstanding;
provided, however, that the successor or surviving Person to the Master Servicer
shall be qualified to service  mortgage loans on behalf of Fannie Mae or Freddie
Mac; and  provided  further that each Rating  Agency's  ratings,  if any, of the
Senior,  Class M or Class B  Certificates  in effect  immediately  prior to such
merger or consolidation will not be qualified,  reduced or withdrawn as a result
thereof (as evidenced by a letter to such effect from each Rating Agency).

(c)  Notwithstanding  anything else in this Section 6.02 and Section 6.04 to the
contrary,  the Master Servicer may assign its rights and delegate its duties and
obligations  under  this  Agreement;  provided  that the Person  accepting  such
assignment  or  delegation  shall be a  Person  which is  qualified  to  service
mortgage   loans  on  behalf  of  Fannie  Mae  or  Freddie  Mac,  is  reasonably
satisfactory to the Trustee and the Company,  is willing to service the Mortgage
Loans and executes and delivers to the Company and the Trustee an agreement,  in
form and substance reasonably satisfactory to the Company and the Trustee, which
contains an  assumption by such Person of the due and punctual  performance  and
observance  of each  covenant  and  condition to be performed or observed by the
Master Servicer under this Agreement; provided further that each Rating Agency's


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<PAGE>

rating of the Classes of Certificates 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
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.

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<PAGE>

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.


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<PAGE>

ARTICLE VII

<PAGE>




                                     DEFAULT

Section 7.01.  Events of Default.
               -----------------

        Event of Default,  wherever used herein,  means any one of the following
events  (whatever  reason  for such  Event of  Default  and  whether it shall be
voluntary or  involuntary  or be effected by operation of law or pursuant to any
judgment,  decree or order of any court or any order,  rule or regulation of any
administrative or governmental body):

(i)     the Master  Servicer shall fail to distribute or cause to be distributed
        to the Holders of Certificates of any Class any distribution required to
        be made  under  the  terms of the  Certificates  of such  Class and this
        Agreement and, in either case,  such failure shall  continue  unremedied
        for a period of 5 days after the date upon which written  notice of such
        failure, requiring such failure to be remedied, shall have been given to
        the  Master  Servicer  by the  Trustee  or the  Company or to the Master
        Servicer,  the Company and the Trustee by the Holders of Certificates of
        such Class  evidencing  Percentage  Interests  aggregating not less than
        25%; or

(ii) the Master  Servicer  shall  fail to  observe  or  perform in any  material
     respect any other of the  covenants or agreements on the part of the Master
     Servicer  contained in the  Certificates  of any Class or in this Agreement
     and such failure shall continue  unremedied for a period of 30 days (except
     that such  number of days  shall be 15 in the case of a failure  to pay the
     premium for any Required  Insurance Policy) after the date on which written
     notice of such failure,  requiring the same to be remedied, shall have been
     given to the  Master  Servicer  by the  Trustee or the  Company,  or to the
     Master Servicer, the Company and the Trustee by the Holders of Certificates
     of  any  Class  evidencing,  in the  case  of any  such  Class,  Percentage
     Interests aggregating not less than 25%; or

(iii)   a decree or order of a court or agency or supervisory  authority  having
        jurisdiction in the premises in an involuntary case under any present or
        future  federal  or  state  bankruptcy,  insolvency  or  similar  law or
        appointing a conservator  or receiver or  liquidator in any  insolvency,
        readjustment  of debt,  marshalling of assets and liabilities or similar
        proceedings,  or for the winding-up or liquidation of its affairs, shall
        have been entered  against the Master  Servicer and such decree or order
        shall have remained in force undischarged or unstayed for a period of 60
        days; or

(iv)    the Master Servicer shall consent to the appointment of a conservator or
        receiver  or  liquidator  in  any  insolvency,   readjustment  of  debt,
        marshalling of assets and  liabilities,  or similar  proceedings  of, or
        relating  to,  the  Master  Servicer  or  of,  or  relating  to,  all or
        substantially all of the property of the Master Servicer; or

(v)     the Master  Servicer  shall  admit in writing its  inability  to pay its
        debts  generally as they become due,  file a petition to take  advantage
        of, or commence a voluntary  case under,  any  applicable  insolvency or
        reorganization  statute,  make  an  assignment  for the  benefit  of its
        creditors, or voluntarily suspend payment of its obligations; or

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<PAGE>

(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.

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<PAGE>

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

                                       85
<PAGE>


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.

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<PAGE>

                                  ARTICLE VIII

                             CONCERNING THE TRUSTEE

Section 8.01.  Duties of Trustee.
               -----------------

(a) The Trustee,  prior to the  occurrence  of an Event of Default and after the
curing or waiver of all Events of Default which may have occurred, undertakes to
perform such duties and only such duties as are  specifically  set forth in this
Agreement. In case an Event of Default has occurred (which has not been cured or
waived),  the Trustee shall  exercise such of the rights and powers vested in it
by this  Agreement,  and use the same degree of care and skill in their exercise
as a prudent  investor  would  exercise  or use under the  circumstances  in the
conduct of such investor's own affairs.

(b) The Trustee,  upon  receipt of all  resolutions,  certificates,  statements,
opinions,  reports,  documents,  orders or other  instruments  furnished  to the
Trustee  which  are  specifically  required  to be  furnished  pursuant  to  any
provision  of this  Agreement,  shall  examine  them to  determine  whether they
conform to the  requirements  of this  Agreement.  The Trustee  shall notify the
Certificateholders  of any such documents which do not materially conform to the
requirements  of  this  Agreement  in the  event  that  the  Trustee,  after  so
requesting, does not receive satisfactorily corrected documents.

        The Trustee shall  forward or cause to be forwarded in a timely  fashion
the  notices,  reports and  statements  required to be  forwarded by the Trustee
pursuant to Sections 4.03,  4.06, 7.03 and 10.01. The Trustee shall furnish in a
timely fashion to the Master  Servicer such  information as the Master  Servicer
may reasonably  request from time to time for the Master Servicer to fulfill its
duties as set forth in this Agreement.  The Trustee covenants and agrees that it
shall perform its obligations hereunder in a manner so as to maintain the status
of any portion of any REMIC formed under the Series  Supplement as a REMIC under
the REMIC Provisions and (subject to Section 10.01(f)) to prevent the imposition
of any federal, state or local income,  prohibited transaction,  contribution or
other tax on the Trust  Fund to the  extent  that  maintaining  such  status and
avoiding  such taxes are  reasonably  within the  control of the Trustee and are
reasonably within the scope of its duties under this Agreement.

(c) No  provision  of this  Agreement  shall be construed to relieve the Trustee
from liability for its own negligent action, its own negligent failure to act or
its own willful misconduct; provided, however, that:

(i)  Prior to the  occurrence  of an Event of  Default,  and after the curing or
     waiver of all such Events of Default  which may have  occurred,  the duties
     and  obligations  of the Trustee shall be determined  solely by the express
     provisions  of this  Agreement,  the Trustee shall not be liable except for
     the  performance  of such duties and  obligations as are  specifically  set
     forth in this Agreement,  no implied covenants or obligations shall be read
     into this Agreement against the Trustee and, in the absence of bad faith on
     the part of the Trustee, the Trustee may conclusively rely, as to the truth
     of the statements and the  correctness of the opinions  expressed  therein,
     upon any  certificates or opinions  furnished to the Trustee by the Company
     or the Master  Servicer  and which on their  face,  do not  contradict  the
     requirements of this Agreement;

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<PAGE>

(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;

                                       88
<PAGE>

(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.

                                       89
<PAGE>

(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.

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<PAGE>

(b) The Master  Servicer  agrees to  indemnify  the Trustee for, and to hold the
Trustee  harmless  against,  any loss,  liability  or expense  incurred  without
negligence or willful  misconduct on the Trustee's  part,  arising out of, or in
connection with, the acceptance and administration of the Trust Fund,  including
the costs  and  expenses  (including  reasonable  legal  fees and  expenses)  of
defending   itself  against  any  claim  in  connection  with  the  exercise  or
performance  of any of its  powers  or  duties  under  this  Agreement  and  the
Custodial Agreement, provided that:

(i)     with respect to any such claim,  the Trustee shall have given the Master
        Servicer  written notice  thereof  promptly after the Trustee shall have
        actual knowledge thereof;

(ii)    while  maintaining  control  over its own  defense,  the  Trustee  shall
        cooperate and consult fully with the Master  Servicer in preparing  such
        defense; and

(iii)   notwithstanding  anything in this Agreement to the contrary,  the Master
        Servicer  shall not be liable for settlement of any claim by the Trustee
        entered  into  without the prior  consent of the Master  Servicer  which
        consent shall not be unreasonably withheld.

No termination of this Agreement  shall affect the  obligations  created by this
Section  8.05(b) of the Master  Servicer  to  indemnify  the  Trustee  under the
conditions and to the extent set forth herein.

        Notwithstanding  the  foregoing,  the  indemnification  provided  by the
Master Servicer in this Section 8.05(b) shall not pertain to any loss, liability
or expense of the Trustee,  including the costs and expenses of defending itself
against any claim,  incurred in connection with any actions taken by the Trustee
at the  direction  of the  Certificateholders  pursuant  to the  terms  of  this
Agreement.

Section 8.06.  Eligibility Requirements for Trustee.
               ------------------------------------

        The Trustee  hereunder shall at all times be a corporation or a national
banking  association  having its principal office in a state and city acceptable
to the Company and organized and doing  business under the laws of such state or
the United States of America,  authorized under such laws to exercise  corporate
trust powers,  having a combined capital and surplus of at least $50,000,000 and
subject to supervision or  examination  by federal or state  authority.  If such
corporation or national banking  association  publishes  reports of condition at
least  annually,  pursuant  to  law  or to the  requirements  of  the  aforesaid
supervising  or examining  authority,  then for the purposes of this Section the
combined  capital  and  surplus  of such  corporation  shall be deemed to be its
combined capital and surplus as set forth in its most recent report of condition
so  published.  In case at any time the  Trustee  shall  cease to be eligible in
accordance  with the  provisions  of this  Section,  the  Trustee  shall  resign
immediately in the manner and with the effect specified in Section 8.07.

Section 8.07.  Resignation and Removal of the Trustee.
               --------------------------------------

(a) The Trustee may at any time resign and be discharged  from the trusts hereby
created by giving  written  notice  thereof to the Company.  Upon receiving such
notice of resignation, the Company shall promptly appoint a successor trustee by


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<PAGE>

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,


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<PAGE>

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
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.

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<PAGE>

(b) In the case of any appointment of a co-trustee or separate  trustee pursuant
to this Section 8.10 all rights,  powers,  duties and  obligations  conferred or
imposed upon the Trustee  shall be  conferred  or imposed upon and  exercised or
performed by the  Trustee,  and such  separate  trustee or  co-trustee  jointly,
except  to the  extent  that  under  any law of any  jurisdiction  in which  any
particular act or acts are to be performed  (whether as Trustee  hereunder or as
successor to the Master Servicer hereunder), the Trustee shall be incompetent or
unqualified  to perform such act or acts,  in which event such  rights,  powers,
duties and obligations  (including the holding of title to the Trust Fund or any
portion  thereof in any such  jurisdiction)  shall be exercised and performed by
such separate trustee or co-trustee at the direction of the Trustee.

(c) Any notice, request or other writing given to the Trustee shall be deemed to
have  been  given to each of the then  separate  trustees  and  co-trustees,  as
effectively  as if  given  to each of  them.  Every  instrument  appointing  any
separate  trustee or co-trustee shall refer to this Agreement and the conditions
of this Article VIII. Each separate trustee and co-trustee,  upon its acceptance
of the trusts conferred,  shall be vested with the estates or property specified
in its instrument of appointment, either jointly with the Trustee or separately,
as may be provided  therein,  subject to all the  provisions of this  Agreement,
specifically including every provision of this Agreement relating to the conduct
of, affecting the liability of, or affording  protection to, the Trustee.  Every
such instrument shall be filed with the Trustee.

(d) Any separate trustee or co-trustee may, at any time, constitute the Trustee,
its agent or attorney-in-fact,  with full power and authority, to the extent not
prohibited by law, to do any lawful act under or in respect of this Agreement on
its behalf and in its name.  If any separate  trustee or  co-trustee  shall die,
become  incapable  of  acting,  resign  or  be  removed,  all  of  its  estates,
properties,  rights,  remedies  and trusts shall vest in and be exercised by the
Trustee,  to the extent  permitted by law,  without the  appointment of a new or
successor trustee.

Section 8.11.  Appointment of Custodians.
               -------------------------

        The  Trustee  may,  with the  consent  of the  Master  Servicer  and the
Company,  appoint one or more  Custodians who are not Affiliates of the Company,
the Master Servicer or any Seller to hold all or a portion of the Mortgage Files
as agent for the Trustee,  by entering  into a Custodial  Agreement.  Subject to
Article  VIII,  the Trustee  agrees to comply  with the terms of each  Custodial
Agreement and to enforce the terms and provisions  thereof against the Custodian
for the benefit of the Certificateholders.  Each Custodian shall be a depository
institution  subject to supervision by federal or state authority,  shall have a
combined  capital and surplus of at least  $15,000,000 and shall be qualified to
do  business  in the  jurisdiction  in which it holds any  Mortgage  File.  Each
Custodial  Agreement  may be amended  only as  provided  in Section  11.01.  The
Trustee shall notify the  Certificateholders of the appointment of any Custodian
(other than the  Custodian  appointed as of the Closing  Date)  pursuant to this
Section 8.11.

Section 8.12.  Appointment of Office or Agency.
               -------------------------------

        The Trustee will maintain an office or agency in the City of New York at
the  address  designated  in  Section  11.05  of  the  Series  Supplement  where


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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.

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                                   ARTICLE IX


              TERMINATION OR OPTIONAL PURCHASE OF ALL CERTIFICATES

Section 9.01.  Optional  Purchase by the Master  Servicer  of All  Certificates;
     Termination  Upon  Purchase by the Master  Servicer or  Liquidation  of All
     Mortgage Loans


(a) Subject to Section 9.02, the respective  obligations and responsibilities of
the Company,  the Master  Servicer and the Trustee  created hereby in respect of
the  Certificates  (other than the  obligation  of the  Trustee to make  certain
payments  after  the  Final  Distribution  Date  to  Certificateholders  and the
obligation  of the Company to send  certain  notices as  hereinafter  set forth)
shall  terminate upon the last action required to be taken by the Trustee on the
Final Distribution Date pursuant to this Article IX following the earlier of:

(i)  the later of the final  payment or other  liquidation  (or any Advance with
     respect  thereto) of the last Mortgage Loan  remaining in the Trust Fund or
     the disposition of all property  acquired upon  foreclosure or deed in lieu
     of foreclosure of any Mortgage Loan, or

(ii) the purchase by the Master  Servicer of all Mortgage Loans and all property
     acquired in respect of any Mortgage  Loan  remaining in the Trust Fund at a
     price equal to 100% of the unpaid  principal  balance of each Mortgage Loan
     or, if less than such unpaid  principal  balance,  the fair market value of
     the related  underlying  property  of such  Mortgage  Loan with  respect to
     Mortgage  Loans as to which  title has been  acquired  if such fair  market
     value is less than such unpaid  principal  balance (net of any unreimbursed
     Advances  attributable  to principal) on the day of repurchase plus accrued
     interest thereon at the Net Mortgage Rate (or Modified Net Mortgage Rate in
     the case of any Modified  Mortgage Loan) to, but not  including,  the first
     day of the month in which such repurchase  price is distributed,  provided,
     however,  that in no event shall the trust created hereby  continue  beyond
     the  expiration  of 21 years  from the  death of the last  survivor  of the
     descendants of Joseph P. Kennedy,  the late ambassador of the United States
     to the Court of St. James,  living on the date hereof and provided  further
     that the purchase price set forth above shall be increased as is necessary,
     as  determined by the Master  Servicer,  to avoid  disqualification  of any
     portion of any REMIC formed under the Series Supplement as a REMIC.

        The right of the Master Servicer to purchase all the assets of the Trust
Fund pursuant to clause (ii) above is conditioned upon the Pool Stated Principal
Balance  as  of  the  Final   Distribution  Date,  prior  to  giving  effect  to
distributions to be made on such Distribution  Date, being less than ten percent
of the Cut-off Date Principal Balance of the Mortgage Loans.

        If such right is exercised by the Master  Servicer,  the Master Servicer
shall be deemed to have been reimbursed for the full amount of any  unreimbursed
Advances theretofore made by it with respect to the Mortgage Loans. In addition,
the Master Servicer shall provide to the Trustee the  certification  required by
Section 3.15 and the Trustee and any Custodian shall, promptly following payment
of the  purchase  price,  release  to the Master  Servicer  the  Mortgage  Files
pertaining to the Mortgage Loans being purchased.

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<PAGE>

        In addition to the foregoing, on any Distribution Date on which the Pool
Stated Principal Balance,  prior to giving effect to distributions to be made on
such  Distribution  Date, is less than ten percent of the Cut-off Date Principal
Balance of the Mortgage Loans,  the Master Servicer shall have the right, at its
option, to purchase the Certificates in whole, but not in part, at a price equal
to the outstanding  Certificate  Principal Balance of such Certificates plus the
sum of Accrued  Certificate  Interest  thereon for the related  Interest Accrual
Period and any previously  unpaid Accrued  Certificate  Interest.  If the Master
Servicer  exercises  this right to purchase the  outstanding  Certificates,  the
Master  Servicer  will  promptly   terminate  the  respective   obligations  and
responsibilities  created hereby in respect of the Certificates pursuant to this
Article IX.

(b) The Master  Servicer  shall give the  Trustee  not less than 60 days'  prior
notice of the  Distribution  Date on which the Master Servicer  anticipates that
the final distribution will be made to  Certificateholders  (whether as a result
of the  exercise by the Master  Servicer of its right to purchase  the assets of
the Trust Fund or otherwise) or on which the Master  Servicer  anticipates  that
the  Certificates  will be purchased  (as a result of the exercise by the Master
Servicer to purchase the  outstanding  Certificates).  Notice of any termination
specifying the anticipated  Final  Distribution Date (which shall be a date that
would otherwise be a Distribution  Date) upon which the  Certificateholders  may
surrender their Certificates to the Trustee (if so required by the terms hereof)
for payment of the final distribution and cancellation or notice of any purchase
of the outstanding Certificates, specifying the Distribution Date upon which the
Holders may surrender their  Certificates  to the Trustee for payment,  shall be
given promptly by the Master Servicer (if it is exercising its right to purchase
the assets of the Trust Fund or to purchase the outstanding Certificates), or by
the Trustee (in any other case) by letter to the  Certificateholders  mailed not
earlier  than the 15th day and not  later  than the 25th day of the  month  next
preceding the month of such final distribution specifying:

(i)     the anticipated Final  Distribution Date upon which final payment of the
        Certificates is anticipated to be made upon  presentation  and surrender
        of  Certificates  at  the  office  or  agency  of  the  Trustee  therein
        designated where required  pursuant to this Agreement or, in the case of
        the purchase by the Master Servicer of the outstanding Certificates, the
        Distribution Date on which such purchase is to be made,

(ii)    the amount of any such final payment,  or in the case of the purchase of
        the  outstanding  Certificates,  the purchase  price, in either case, if
        known, and

(iii)   that the Record Date otherwise  applicable to such  Distribution Date is
        not applicable,  and in the case of the Senior  Certificates,  or in the
        case of all of the  Certificates  in connection with the exercise by the
        Master Servicer of its right to purchase the Certificates,  that payment
        will be made only upon presentation and surrender of the Certificates at
        the office or agency of the Trustee therein specified.

If the Master  Servicer is  obligated  to give notice to  Certificateholders  as
aforesaid,  it shall give such notice to the  Certificate  Registrar at the time
such  notice is given to  Certificateholders  and,  if the  Master  Servicer  is
exercising its rights to purchase the  outstanding  Certificates,  it shall give
such  notice  to each  Rating  Agency  at the  time  such  notice  is  given  to


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Certificateholders.  As a result of the  exercise by the Master  Servicer of its
right to  purchase  the  assets of the Trust  Fund,  the Master  Servicer  shall
deposit  in the  Certificate  Account,  before  the Final  Distribution  Date in
immediately available funds an amount equal to the purchase price for the assets
of the Trust Fund,  computed as provided  above.  As a result of the exercise by
the Master Servicer of its right to purchase the outstanding  Certificates,  the
Master Servicer shall deposit in an Eligible Account,  established by the Master
Servicer on behalf of the Trustee and separate from the  Certificate  Account in
the name of the Trustee in trust for the registered holders of the Certificates,
before the  Distribution  Date on which such purchase is to occur in immediately
available  funds an amount  equal to the  purchase  price for the  Certificates,
computed as above  provided,  and provide notice of such deposit to the Trustee.
The Trustee will withdraw  from such account the amount  specified in subsection
(c) below.

(c) In the case of the Senior  Certificates,  upon presentation and surrender of
the Certificates by the Certificateholders thereof, and in the case of the Class
M and Class B Certificates,  upon presentation and surrender of the Certificates
by the Certificateholders  thereof in connection with the exercise by the Master
Servicer of its right to purchase the Certificates,  and otherwise in accordance
with Section 4.01(a), the Trustee shall distribute to the Certificateholders (i)
the  amount  otherwise  distributable  on  such  Distribution  Date,  if  not in
connection with the Master  Servicer's  election to repurchase the assets of the
Trust  Fund or the  outstanding  Certificates,  or (ii) if the  Master  Servicer
elected  to so  repurchase  the  assets  of the  Trust  Fund or the  outstanding
Certificates,  an  amount  determined  as  follows:  (A)  with  respect  to each
Certificate the outstanding  Certificate Principal Balance thereof, plus Accrued
Certificate  Interest for the related  Interest  Accrual  Period thereon and any
previously  unpaid  Accrued  Certificate  Interest,  subject to the priority set
forth in Section 4.02(a), and (B) with respect to the Class R Certificates,  any
excess of the amounts available for distribution (including the repurchase price
specified  in clause  (ii) of  subsection  (a) of this  Section)  over the total
amount distributed under the immediately  preceding clause (A).  Notwithstanding
the reduction of the Certificate  Principal  Balance of any Class of Subordinate
Certificates  to zero,  such  Class  will be  outstanding  hereunder  until  the
termination of the respective  obligations and  responsibilities of the Company,
the Master Servicer and the Trustee hereunder in accordance with Article IX.

(d) If any  Certificateholders  shall not surrender their Certificates for final
payment  and  cancellation  on or  before  the  Final  Distribution  Date (if so
required by the terms hereof), the Trustee shall on such date cause all funds in
the   Certificate   Account   not   distributed   in   final   distribution   to
Certificateholders  to be  withdrawn  therefrom  and  credited to the  remaining
Certificateholders by depositing such funds in a separate escrow account for the
benefit of such Certificateholders, and the Master Servicer (if it exercised its
right to purchase  the assets of the Trust  Fund),  or the Trustee (in any other
case) shall give a second written notice to the remaining  Certificateholders to
surrender their Certificates for cancellation and receive the final distribution
with  respect  thereto.  If within  six  months  after  the  second  notice  any
Certificate shall not have been surrendered for cancellation,  the Trustee shall
take  appropriate  steps as  directed  by the Master  Servicer  to  contact  the
remaining  Certificateholders  concerning  surrender of their Certificates.  The
costs  and  expenses  of  maintaining  the  escrow  account  and  of  contacting
Certificateholders  shall be paid out of the assets  which  remain in the escrow
account.  If within nine months after the second notice any  Certificates  shall


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<PAGE>

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.

(e) If any  Certificateholders  do not surrender their Certificates on or before
the Distribution Date on which a purchase of the outstanding  Certificates is to
be made,  the  Trustee  shall on such date  cause  all funds in the  Certificate
Account  deposited therein by the Master Servicer pursuant to Section 9.01(b) to
be  withdrawn  therefrom  and  deposited  in a separate  escrow  account for the
benefit of such Certificateholders,  and the Master Servicer shall give a second
written notice to such  Certificateholders  to surrender their  Certificates for
payment of the purchase  price  therefor.  If within six months after the second
notice any Certificate  shall not have been  surrendered for  cancellation,  the
Trustee  shall take  appropriate  steps as  directed  by the Master  Servicer to
contact  the  Holders  of  such  Certificates   concerning  surrender  of  their
Certificates.  The costs and expenses of  maintaining  the escrow account and of
contacting  Certificateholders  shall be paid out of the assets  which remain in
the  escrow  account.  If  within  nine  months  after  the  second  notice  any
Certificates shall not have been surrendered for cancellation in accordance with
this  Section  9.01,  the Trustee  shall pay to the Master  Servicer all amounts
distributable  to the Holders thereof and the Master  Servicer shall  thereafter
hold such amounts until distributed to such Holders. No interest shall accrue or
be payable to any  Certificateholder on any amount held in the escrow account or
by the  Master  Servicer  as a result  of such  Certificateholder's  failure  to
surrender its  Certificate(s)  for payment in accordance with this Section 9.01.
Any  Certificate  that is not  surrendered on the  Distribution  Date on which a
purchase  pursuant to this Section 9.01 occurs as provided  above will be deemed
to have been  purchased  and the Holder as of such date will have no rights with
respect  thereto  except to receive the purchase  price therefor minus any costs
and expenses  associated with such escrow account and notices allocated thereto.
Any  Certificates  so  purchased  or  deemed  to  have  been  purchased  on such
Distribution Date shall remain  outstanding  hereunder until the Master Servicer
has terminated the respective obligations and responsibilities created hereby in
respect of the  Certificates  pursuant to this  Article IX. The Master  Servicer
shall be for all purposes the Holder thereof as of such date.

Section 9.02.  Additional Termination Requirements.
               -----------------------------------

(a) Each REMIC that  comprises  the Trust Fund shall be terminated in accordance
with the following additional requirements, unless (subject to Section 10.01(f))
the Trustee and the Master  Servicer have received an Opinion of Counsel  (which
Opinion of Counsel  shall not be an expense of the  Trustee)  to the effect that
the failure of each such REMIC to comply with the  requirements  of this Section
9.02 will not (i) result in the  imposition on the Trust of taxes on "prohibited
transactions,"  as described in Section 860F of the Code, or (ii) cause any such
REMIC  to fail to  qualify  as a REMIC  at any  time  that  any  Certificate  is
outstanding:

(i)     The Master Servicer shall establish a 90-day liquidation period for each
        such  REMIC and  specify  the first  day of such  period in a  statement
        attached  to the Trust  Fund's  final Tax Return  pursuant  to  Treasury
        regulations Section 1.860F-1. The Master Servicer also shall satisfy all
        of the requirements of a qualified liquidation for a REMIC under Section
        860F of the Code and regulations thereunder;

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<PAGE>

(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.


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<PAGE>


                                   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.

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<PAGE>

(e) The REMIC  Administrator  shall  provide (i) to any  Transferor of a Class R
Certificate  such  information  as is necessary for the  application  of any tax
relating  to the  transfer of a Class R  Certificate  to any Person who is not a
Permitted Transferee,  (ii) to the Trustee, and the Trustee shall forward to the
Certificateholders,  such  information or reports as are required by the Code or
the REMIC  Provisions  including  reports  relating to interest,  original issue
discount and market  discount or premium (using the Prepayment  Assumption)  and
(iii) to the Internal  Revenue  Service the name,  title,  address and telephone
number of the person who will serve as the representative of each REMIC.

(f) The Master Servicer and the REMIC  Administrator shall take such actions and
shall cause each REMIC created  hereunder to take such actions as are reasonably
within the Master Servicer's or the REMIC Administrator's  control and the scope
of its  duties  more  specifically  set forth  herein as shall be  necessary  or
desirable  to  maintain  the  status  of each  REMIC as a REMIC  under the REMIC
Provisions  (and the  Trustee  shall  assist the Master  Servicer  and the REMIC
Administrator, to the extent reasonably requested by the Master Servicer and the
REMIC  Administrator to do so). The Master Servicer and the REMIC  Administrator
shall not knowingly or  intentionally  take any action,  cause the Trust Fund to
take any  action  or fail to take (or fail to  cause  to be  taken)  any  action
reasonably within their respective control that, under the REMIC Provisions,  if
taken or not taken,  as the case may be,  could (i)  endanger  the status of any
portion  of any REMIC  formed  under the  Series  Supplement  as a REMIC or (ii)
result in the imposition of a tax upon any such REMIC (including but not limited
to the tax on prohibited  transactions  as defined in Section  860F(a)(2) of the
Code and the tax on contributions to a REMIC set forth in Section 860G(d) of the
Code)  (either  such  event,  in the  absence  of an  Opinion  of Counsel or the
indemnification  referred to in this sentence,  an "Adverse REMIC Event") unless
the Master Servicer or the REMIC Administrator,  as applicable,  has received an
Opinion of Counsel (at the expense of the party  seeking to take such action or,
if such party fails to pay such  expense,  and the Master  Servicer or the REMIC
Administrator, as applicable,  determines that taking such action is in the best
interest  of the Trust Fund and the  Certificateholders,  at the  expense of the
Trust  Fund,  but in no event at the expense of the Master  Servicer,  the REMIC
Administrator  or the Trustee) to the effect that the  contemplated  action will
not,  with respect to each REMIC  created  hereunder,  endanger  such status or,
unless the Master  Servicer,  the REMIC  Administrator  or both, as  applicable,
determine in its or their sole  discretion  to indemnify  the Trust Fund against
the imposition of such a tax,  result in the imposition of such a tax.  Wherever
in this Agreement a  contemplated  action may not be taken because the timing of
such action might result in the  imposition  of a tax on the Trust Fund,  or may
only be taken  pursuant  to an  Opinion of Counsel  that such  action  would not
impose a tax on the Trust Fund,  such action may  nonetheless  be taken provided
that the  indemnity  given in the  preceding  sentence with respect to any taxes
that  might be  imposed  on the  Trust  Fund has been  given  and that all other
preconditions  to the taking of such  action  have been  satisfied.  The Trustee
shall not take or fail to take any action (whether or not authorized  hereunder)
as to which the Master Servicer or the REMIC Administrator,  as applicable,  has
advised it in writing  that it has  received an Opinion of Counsel to the effect
that an Adverse  REMIC  Event  could  occur  with  respect  to such  action.  In
addition, prior to taking any action with respect to any REMIC created hereunder
or any  related  assets  thereof,  or causing any such REMIC to take any action,
which is not expressly permitted under the terms of this Agreement,  the Trustee


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<PAGE>

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.

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<PAGE>

(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.

                                      104
<PAGE>

(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.

                                      105
<PAGE>

                                   ARTICLE XI
                            MISCELLANEOUS PROVISIONS

Section 11.01. Amendment.

(a) This  Agreement or any Custodial  Agreement may be amended from time to time
by the Company, the Master Servicer and the Trustee,  without the consent of any
of the Certificateholders:

(i)     to cure any ambiguity,

(ii)    to correct or supplement any provisions herein or therein,  which may be
        inconsistent  with any other provisions  herein or therein or to correct
        any error,

(iii)to modify,  eliminate  or add to any of its  provisions  to such  extent as
     shall be necessary or desirable to maintain the  qualification of the Trust
     Fund as a REMIC at all times  that any  Certificate  is  outstanding  or to
     avoid or minimize the risk of the  imposition  of any tax on the Trust Fund
     pursuant to the Code that would be a claim against the Trust Fund, provided
     that the Trustee has  received an Opinion of Counsel to the effect that (A)
     such action is necessary or desirable to maintain such  qualification or to
     avoid or minimize the risk of the  imposition  of any such tax and (B) such
     action will not adversely  affect in any material  respect the interests of
     any Certificateholder,

(iv) to change the timing and/or  nature of deposits into the Custodial  Account
     or the  Certificate  Account or to change  the name in which the  Custodial
     Account is maintained,  provided that (A) the  Certificate  Account Deposit
     Date shall in no event be later than the  related  Distribution  Date,  (B)
     such change  shall not, as  evidenced  by an Opinion of Counsel,  adversely
     affect in any material respect the interests of any  Certificateholder  and
     (C) such change shall not result in a reduction  of the rating  assigned to
     any Class of Certificates below the lower of the then-current rating or the
     rating  assigned to such  Certificates as of the Closing Date, as evidenced
     by a letter from each Rating Agency to such effect,

(v)  to modify,  eliminate or add to the  provisions  of Section  5.02(f) or any
     other provision hereof restricting transfer of the Class R Certificates, by
     virtue of their being the "residual  interests"  in a REMIC,  provided that
     (A) such change shall not result in reduction of the rating assigned to any
     such Class of Certificates  below the lower of the  then-current  rating or
     the  rating  assigned  to such  Certificates  as of the  Closing  Date,  as
     evidenced by a letter from each Rating Agency to such effect,  and (B) such
     change shall not (subject to Section 10.01(f)),  as evidenced by an Opinion
     of Counsel (at the expense of the party seeking so to modify,  eliminate or
     add such  provisions),  cause any  REMIC  created  hereunder  or any of the
     Certificateholders  (other than the  transferor) to be subject to a federal
     tax caused by a transfer to a Person that is not a Permitted Transferee,

(vi) to make any other  provisions with respect to matters or questions  arising
     under  this  Agreement  or such  Custodial  Agreement  which  shall  not 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

                                      106
<PAGE>

(vii)to amend any  provision  herein or therein  that is not  material to any of
     the Certificateholders.

(b) This  Agreement or any Custodial  Agreement may also be amended from time to
time by the Company, the Master Servicer and the Trustee with the consent of the
Holders of  Certificates  evidencing  in the  aggregate not less than 66% of the
Percentage Interests of each Class of Certificates with a Certificate  Principal
Balance  greater  than zero  affected  thereby  for the  purpose  of adding  any
provisions to or changing in any manner or eliminating  any of the provisions of
this  Agreement  or such  Custodial  Agreement or of modifying in any manner the
rights of the Holders of Certificates of such Class; provided,  however, that no
such amendment shall:

(i)  reduce in any manner the amount of, or delay the timing of,  payments which
     are required to be  distributed on any  Certificate  without the consent of
     the Holder of such Certificate,

(ii)    reduce the aforesaid percentage of Certificates of any Class the Holders
        of which are required to consent to any such amendment, in any such case
        without  the consent of the  Holders of all  Certificates  of such Class
        then outstanding.

(c) Notwithstanding any contrary provision of this Agreement,  the Trustee shall
not  consent  to any  amendment  to this  Agreement  unless it shall  have first
received an Opinion of Counsel  (subject to Section  10.01(f) and at the expense
of the party seeking such  amendment)  to the effect that such  amendment or the
exercise of any power granted to the Master Servicer, the Company or the Trustee
in accordance with such amendment will not result in the imposition of a federal
tax on the Trust Fund or cause any REMIC created under the Series  Supplement to
fail to qualify as a REMIC at any time that any Certificate is outstanding.

(d) Promptly after the execution of any such amendment the Trustee shall furnish
written  notification  of the  substance of such  amendment to the Custodian and
each   Certificateholder.   It  shall  not  be  necessary  for  the  consent  of
Certificateholders  under this Section 11.01 to approve the  particular  form of
any proposed amendment, but it shall be sufficient if such consent shall approve
the substance  thereof.  The manner of obtaining such consents and of evidencing
the  authorization  of the  execution  thereof  by  Certificateholders  shall be
subject to such reasonable regulations as the Trustee may prescribe.

(e) The Company  shall have the option,  in its sole  discretion,  to obtain and
deliver to the Trustee any corporate guaranty,  payment obligation,  irrevocable
letter of credit,  surety  bond,  insurance  policy or similar  instrument  or a
reserve fund, or any combination of the foregoing, for the purpose of protecting
the Holders of the Class B  Certificates  against any or all Realized  Losses or
other  shortfalls.  Any such instrument or fund shall be held by the Trustee for
the benefit of the Class B Certificateholders, but shall not be and shall not be
deemed to be under any  circumstances  included in the Trust Fund. To the extent
that any such  instrument or fund  constitutes a reserve fund for federal 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


                                      107
<PAGE>

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.

                                      108
<PAGE>

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.

                                      109
<PAGE>

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,  shall
notify each Rating  Agency and 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), (d), (g), (h), (i) or (j) below or
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)  the termination or appointment of a successor Master Servicer or 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)  a change  in the  location  of the  Custodial  Account  or 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  of any such
event known to the Master Servicer.

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.

                                      110
<PAGE>

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.


                                      111
<PAGE>


                                    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.]
<PAGE>

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"),

<PAGE>

formed and sold by Residential  Accredit  Loans,  Inc.  (hereinafter  called the
"Company," which term includes any successor entity under the Agreement referred
to below).  The Trust  Fund was  created  pursuant  to a Pooling  and  Servicing
Agreement  dated as specified  above (the  "Agreement")  among the Company,  the
Master Servicer and __________________, as trustee (the "Trustee"), a summary of
certain of the  pertinent  provisions  of which is set forth  hereafter.  To the
extent not defined herein,  the capitalized  terms used herein have the meanings
assigned in the  Agreement.  This  Certificate is issued under and is subject to
the terms,  provisions and conditions of the Agreement,  to which  Agreement the
Holder of this  Certificate  by virtue of the  acceptance  hereof assents and by
which such Holder is bound.

               Pursuant to the terms of the Agreement,  a  distribution  will be
made on the 25th day of each month or, if such 25th day is not a  Business  Day,
the Business Day immediately following (the "Distribution Date"),  commencing as
described  in the  Agreement,  to the Person in whose name this  Certificate  is
registered  at the close of business on the last day (or if such last day is not
a Business  Day, the Business Day  immediately  preceding  such last day) of the
month immediately  preceding the month of such distribution (the "Record Date"),
from the Available  Distribution Amount in an amount equal to the product of the
Percentage  Interest  evidenced by this Certificate and the amount [(of interest
and  principal,  if any)]  required  to be  distributed  to  Holders of Class 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
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.
<PAGE>

               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
Master  Servicer,  the Trustee nor any such agent shall be affected by notice to
the contrary.
<PAGE>

               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.



<PAGE>




               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



<PAGE>




                                   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.



<PAGE>


                                    EXHIBIT B

                           FORM OF CLASS M CERTIFICATE

        THIS  CERTIFICATE  IS  SUBORDINATED  IN RIGHT OF  PAYMENT  TO THE SENIOR
CERTIFICATES  [CLASS M-1 CERTIFICATES] [AND CLASS M-2 CERTIFICATES] AS DESCRIBED
IN THE AGREEMENT (AS DEFINED BELOW).

        SOLELY FOR U.S.  FEDERAL  INCOME TAX  PURPOSES,  THIS  CERTIFICATE  IS A
"REGULAR  INTEREST" IN A "REAL  ESTATE  MORTGAGE  INVESTMENT  CONDUIT," AS THOSE
TERMS ARE  DEFINED,  RESPECTIVELY,  IN  SECTIONS  860G AND 860D OF THE  INTERNAL
REVENUE CODE OF 1986 (THE "CODE").

        UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED  REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION  ("DTC"),  TO ISSUER OR ITS
AGENT FOR REGISTRATION OF TRANSFER,  EXCHANGE,  OR PAYMENT,  AND ANY CERTIFICATE
ISSUED  IS  REGISTERED  IN THE NAME OF CEDE & CO.  OR IN SUCH  OTHER  NAME AS IS
REQUESTED  BY AN  AUTHORIZED  REPRESENTATIVE  OF DTC (AND ANY PAYMENT IS MADE TO
CEDE  &  CO.  OR  TO  SUCH  OTHER  ENTITY  AS  IS  REQUESTED  BY  AN  AUTHORIZED
REPRESENTATIVE  OF DTC), ANY TRANSFER,  PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE  BY OR TO ANY PERSON IS  WRONGFUL  INASMUCH  AS THE  REGISTERED  OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

        THE  FOLLOWING  INFORMATION  IS  PROVIDED  SOLELY  FOR THE  PURPOSES  OF
APPLYING THE U.S.  FEDERAL INCOME TAX ORIGINAL  ISSUE DISCOUNT  ("OID") RULES TO
THIS  CERTIFICATE.  THE ISSUE DATE OF THIS  CERTIFICATE IS ___________ __, ____.
ASSUMING  THAT THE  MORTGAGE  LOANS  PREPAY AT [___]%  OF THE  PREPAYMENT  SPEED
ASSUMPTION (AS DESCRIBED IN THE PROSPECTUS  SUPPLEMENT),  THIS  CERTIFICATE  HAS
BEEN ISSUED WITH NO MORE THAN $[____] OF OID PER $[1,000] OF INITIAL CERTIFICATE
PRINCIPAL  BALANCE,  THE YIELD TO  MATURITY  IS  [_____]%  AND THE AMOUNT OF OID
ATTRIBUTABLE  TO THE INITIAL ACCRUAL PERIOD IS NO MORE THAN $[____] PER $[1,000]
OF INITIAL CERTIFICATE PRINCIPAL BALANCE, COMPUTED UNDER THE APPROXIMATE METHOD.
NO REPRESENTATION IS MADE THAT THE MORTGAGE LOANS WILL PREPAY AT A RATE BASED ON
THE PREPAYMENT SPEED ASSUMPTION OR AT ANY OTHER RATE.


        Any Transferee of this Certificate will be deemed to have represented by
virtue of its purchase or holding of this  Certificate (or interest herein) that
EITHER (a) such Transferee is not an investment  manager, a named fiduciary or a
trustee of any Plan) 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

<PAGE>

97-34, 62 Fed. Reg. 39021 (July 21, 1997),  and PTE 2000-58,  65 Fed. Reg. 67765
(November 13, 2000) (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.
<PAGE>

Certificate No.                                   [      ]% Pass-Through Rate

Class M-    Subordinate                           Aggregate Certificate
                                                  Principal Balance
Date of Pooling and Servicing                     of the Class M Certificates:
Agreement and Cut-off Date:                       $
___________ 1, ____
                                                  Initial Certificate Principal
First Distribution Date:                          Balance of this Certificate:
_________ 25, ____                                $

Master Servicer:                                  CUSIP: 76110F-
Residential Funding Corporation

Assumed Final Distribution Date:
___________ 25, ____

                              MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE,
                                 SERIES ____-___

        evidencing a percentage  interest in any distributions  allocable to the
        Class  M-  Certificates  with  respect  to  the  Trust  Fund  consisting
        primarily of a pool of conventional  one- to four-family  fixed interest
        rate first mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS,
        INC.

     This  Certificate  is payable solely from the assets of the Trust Fund, and
does not represent an obligation of or interest in Residential  Accredit  Loans,
Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group,
Inc. or any of their  affiliates.  Neither this  Certificate  nor the underlying
Mortgage  Loans  are  guaranteed  or  insured  by  any  governmental  agency  or
instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the
Trustee or GMAC Mortgage  Group,  Inc. or any of their  affiliates.  None of the
Company,  the  Master  Servicer,  GMAC  Mortgage  Group,  Inc.  or any of  their
affiliates  will have any  obligation  with respect to any  certificate or other
obligation secured by or payable from payments on the Certificates.

     This  certifies  that  ________________  is  the  registered  owner  of the
Percentage  Interest  evidenced  by this  Certificate  (obtained by dividing the
Certificate  Principal Balance of this Certificate by the aggregate  Certificate
Principal  Balance of all Class M-  Certificates,  both as  specified  above) in
certain  distributions  with respect to a Trust Fund  consisting  primarily of a
pool of  conventional  one- to  four-family  fixed  interest rate first mortgage
loans (the "Mortgage  Loans"),  formed and sold by Residential  Accredit  Loans,
Inc. (hereinafter called the "Company," which term includes any successor entity
under the Agreement referred to below). The Trust Fund was created pursuant to a
Pooling and Servicing Agreement dated as specified above (the "Agreement") among
the  Company,  the Master  Servicer  and  __________________,  as  trustee  (the
"Trustee"),  a summary of certain of the  pertinent  provisions  of which is set
forth hereafter.  To the extent not defined herein,  the capitalized  terms used
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.
<PAGE>

               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
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.
<PAGE>

               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
Master  Servicer,  the Trustee nor any such agent shall be affected by notice to
the contrary.
<PAGE>

               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.


<PAGE>


               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


<PAGE>




                                   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.



<PAGE>


                                    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.
<PAGE>

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
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.

<PAGE>

               Pursuant to the terms of the Agreement,  a  distribution  will be
made on the 25th day of each month or, if such 25th day is not a  Business  Day,
the Business Day immediately following (the "Distribution Date"),  commencing on
the first  Distribution  Date specified  above, to the Person in whose name this
Certificate  is  registered at the close of business on the last day (or if such
last day is not a Business Day, the Business Day immediately preceding such last
day) of the month next  preceding  the month of such  distribution  (the "Record
Date"), from the Available Distribution Amount in an amount equal to the product
of the  Percentage  Interest  evidenced by this  Certificate  and the amount (of
interest and principal, if any) required to be distributed to Holders of Class B
Certificates on such Distribution Date.

               Distributions  on this  Certificate  will be made  either  by the
Master  Servicer  acting on behalf of the Trustee or by a Paying Agent appointed
by the Trustee in  immediately  available  funds (by wire transfer or otherwise)
for the  account of the Person  entitled  thereto if such  Person  shall have so
notified  the Master  Servicer or such Paying  Agent,  or by check mailed to the
address of the Person entitled thereto, as such name and address shall appear on
the Certificate Register.

               Notwithstanding   the  above,  the  final  distribution  on  this
Certificate  will be made after due notice of the pendency of such  distribution
and only upon  presentation  and surrender of this  Certificate at the office or
agency  appointed  by the Trustee for that  purpose in the City and State of New
York. The Initial Certificate Principal Balance of this Certificate is set forth
above. The Certificate Principal Balance hereof will be reduced to the extent of
the  distributions  allocable to principal  and any  Realized  Losses  allocable
hereto.

               No transfer of this Class B Certificate  will be made unless such
transfer is exempt from the  registration  requirements of the Securities Act of
1933,  as  amended,  and  any  applicable  state  securities  laws or is made in
accordance  with said Act and laws.  In the event that such a transfer  is to be
made,  (i) the  Trustee  or the  Company  may  require  an  opinion  of  counsel
acceptable  to and in form and  substance  satisfactory  to the  Trustee and the
Company that such transfer is exempt  (describing  the applicable  exemption and
the  basis  therefor)  from  or is  being  made  pursuant  to  the  registration
requirements  of the Securities  Act of 1933, as amended,  and of any applicable
statute of any state and (ii) the transferee shall execute an investment  letter
in the form  described by the  Agreement.  The Holder hereof  desiring to effect
such  transfer  shall,  and does hereby agree to,  indemnify  the  Trustee,  the
Company,  the Master Servicer and the Certificate  Registrar acting on behalf of
the Trustee  against  any  liability  that may result if the  transfer is not so
exempt  or is not made in  accordance  with such  Federal  and  state  laws.  In
connection  with any such transfer,  the Trustee will also require either (i) an
opinion of counsel  acceptable to and in form and substance  satisfactory to the
Trustee,  the Company and the Master Servicer with respect to the permissibility
of such transfer under the Employee  Retirement  Income Security Act of 1974, as
amended  ("ERISA"),  and Section 4975 of the Internal  Revenue Code (the "Code")
and stating, among other things, that the transferee's  acquisition of a Class B
Certificate will not constitute or result in a non-exempt prohibited transaction
under Section 406 of ERISA or Section 4975 of the Code or (ii) a  representation
letter,  in the form as described by Section  5.02(e) of the  Agreement,  either

<PAGE>

stating that the transferee is not an employee  benefit or other plan subject to
the  prohibited  transaction  provisions of ERISA or Section 4975 of the Code (a
"Plan"), or any other person (including an investment manager, a named fiduciary
or a trustee  of any  Plan)  acting,  directly  or  indirectly,  on behalf of or
purchasing any  Certificate  with "plan assets" of any Plan, or stating that the
transferee  is an  insurance  company,  the  source of funds to be used by it to
purchase the Certificate is an "insurance  company general  account" (within the
meaning of Department of Labor Prohibited  Transaction Class Exemption  ("PTCE")
95-60),  and the purchase is being made in reliance upon the availability of the
exemptive relief afforded under Sections I and III of PTCE 95-60.

               This   Certificate  is  one  of  a  duly   authorized   issue  of
Certificates  issued in several  Classes  designated  as  Mortgage  Asset-Backed
Pass-Through  Certificates of the Series specified  hereon (herein  collectively
called the "Certificates").

               The  Certificates  are  limited  in right of  payment  to certain
collections  and  recoveries   respecting  the  Mortgage  Loans,   all  as  more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds  are  advanced  with  respect  to  any  Mortgage  Loan,  such  advance  is
reimbursable  to the Master  Servicer,  to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.

               As  provided in the  Agreement,  withdrawals  from the  Custodial
Account   and/or  the   Certificate   Account   created   for  the   benefit  of
Certificateholders  may be made by the  Master  Servicer  from  time to time for
purposes other than distributions to Certificateholders, such purposes including
without  limitation  reimbursement  to the  Company  and the Master  Servicer of
advances made, or certain expenses incurred, by either of them.

               The Agreement permits,  with certain exceptions therein provided,
the  amendment  of  the  Agreement  and  the  modification  of  the  rights  and
obligations of the Company,  the Master  Servicer and the Trustee and the rights
of the  Certificateholders  under the Agreement at any time by the Company,  the
Master  Servicer and the Trustee with the consent of the Holders of Certificates
evidencing  in the aggregate  not less than 66% of the  Percentage  Interests of
each Class of Certificates  affected thereby.  Any such consent by the Holder of
this  Certificate  shall be  conclusive  and binding on such Holder and upon all
future  holders  of this  Certificate  and of any  Certificate  issued  upon the
transfer hereof or in exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the  Certificate.  The  Agreement  also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain  additional  circumstances,  without the
consent of the Holders of certain Classes of Certificates.

               As provided in the Agreement  and subject to certain  limitations
therein  set forth,  the  transfer of this  Certificate  is  registrable  in the
Certificate  Register upon surrender of this  Certificate  for  registration  of
transfer  at the offices or  agencies  appointed  by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form
below or other  written  instrument  of  transfer  in form  satisfactory  to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's  attorney  duly  authorized  in writing,  and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.
<PAGE>

               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.


<PAGE>


               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


<PAGE>



                                   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.



<PAGE>



                                    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.
<PAGE>

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
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.
<PAGE>

               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.
<PAGE>

               As provided in the Agreement  and subject to certain  limitations
therein  set forth,  the  transfer of this  Certificate  is  registrable  in the
Certificate  Register upon surrender of this  Certificate  for  registration  of
transfer  at the offices or  agencies  appointed  by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form
below or other  written  instrument  of  transfer  in form  satisfactory  to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's  attorney  duly  authorized  in writing,  and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.

               The  Certificates  are issuable only as  registered  Certificates
without coupons in Classes and in denominations  specified in the Agreement.  As
provided in the Agreement and subject to certain  limitations therein set forth,
Certificates are  exchangeable for new Certificates of authorized  denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.

               No  service  charge  will be made  for any such  registration  of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.

               The Company, the Master Servicer, the Trustee and the Certificate
Registrar and any agent of the Company, the Master Servicer,  the Trustee or the
Certificate  Registrar  may treat the Person in whose name this  Certificate  is
registered  as the owner hereof for all purposes,  and neither the Company,  the
Master  Servicer,  the Trustee nor any such agent shall be affected by notice to
the contrary.

               This Certificate shall be governed by and construed in accordance
with the laws of the State of New York.

               The  obligations  created  by the  Agreement  in  respect  of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to  Certificateholders  of all  amounts  held by or on behalf of the Trustee and
required to be paid to them pursuant to the  Agreement  following the earlier of
(i) the maturity or other  liquidation of the last Mortgage Loan subject thereto
or the disposition of all property  acquired upon foreclosure or deed in lieu of
foreclosure  of any Mortgage  Loan and (ii) the purchase by the Master  Servicer
from the Trust Fund of all remaining Mortgage Loans and all property acquired in
respect of such  Mortgage  Loans,  thereby  effecting  early  retirement  of the
Certificates.  The Agreement permits,  but does not require, the Master Servicer
to (i) purchase at a price determined as provided in the Agreement all remaining
Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii)
purchase in whole,  but not in part,  all of the  Certificates  from the Holders
thereof; provided, that any such option may only be exercised if the Pool Stated
Principal  Balance of the Mortgage Loans as of the Distribution  Date upon which
the proceeds of any such  purchase are  distributed  is less than ten percent of
the Cut-off Date Principal Balance of the Mortgage Loans.

               Reference  is  hereby  made  to the  further  provisions  of this
Certificate set forth on the reverse hereof,  which further provisions shall for
all purpose have the same effect as if set forth at this place.

               Unless the certificate of authentication hereon has been executed
by the Certificate Registrar, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.


<PAGE>


               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


<PAGE>


                                   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.



<PAGE>




                                    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:
<PAGE>

(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.
<PAGE>

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.
<PAGE>

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.


<PAGE>


        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:
      ------------------------------




<PAGE>


                                    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:
     ------------------------


<PAGE>




                                   EXHIBIT G-1

                    FORM OF TRANSFER AFFIDAVIT AND AGREEMENT

STATE OF                         )
                                 )    ss.:
COUNTY OF                        )
               [NAME OF OFFICER], being first duly sworn, deposes and says:

1. That he is [Title of Officer] of [Name of Owner] (record or beneficial  owner
of the Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, Class R
(the  "Owner")),  a  [savings  institution]  [corporation]  duly  organized  and
existing  under the laws of [the State  of__________ ] [the United  States],  on
behalf of which he makes this affidavit and agreement.

2. That the Owner (i) is not and will not be a "disqualified organization" or an
electing  large  partnership  as of [date of  transfer]  within  the  meaning of
Sections 860E(e)(5) and 775, respectively, of the Internal Revenue Code of 1986,
as amended (the "Code") or an electing large partnership under Section 775(a) of
the Code,  (ii) will endeavor to remain other than a  disqualified  organization
for so long as it retains its  ownership  interest in the Class R  Certificates,
and (iii) is acquiring the Class R  Certificates  for its own account or for the
account of another  Owner from which it has received an affidavit  and agreement
in  substantially  the same  form as this  affidavit  and  agreement.  (For this
purpose, a "disqualified organization" means an electing large partnership under
Section 775 of the Code, the United States,  any state or political  subdivision
thereof,  any agency or  instrumentality  of any of the foregoing (other than an
instrumentality  all of the  activities of which are subject to tax and,  except
for the Federal  Home Loan  Mortgage  Corporation,  a majority of whose board of
directors  is not  selected  by any such  governmental  entity)  or any  foreign
government,  international organization or any agency or instrumentality of such
foreign government or organization, any rural electric or telephone cooperative,
or any organization (other than certain farmers' cooperatives) that is generally
exempt from federal income tax unless such organization is subject to the tax on
unrelated business taxable income).

3. That the Owner is aware (i) of the tax that would be imposed on  transfers of
Class  R  Certificates   to   disqualified   organizations   or  electing  large
partnerships,  under  the  Code,  that  applies  to all  transfers  of  Class  R
Certificates after March 31, 1988; (ii) that such tax would be on the transferor
(or,  with  respect to transfers to electing  large  partnerships,  on each such
partnership),  or, if such transfer is through an agent (which person includes a
broker,  nominee or middleman)  for a disqualified  organization,  on the agent;
(iii) that the person  (other than with respect to  transfers to electing  large
partnerships)  otherwise  liable for the tax shall be relieved of liability  for
the tax if the  transferee  furnishes  to such  person  an  affidavit  that  the
transferee is not a disqualified organization and, at the time of transfer, such
person does not have actual knowledge that the affidavit is false; and (iv) that
the Class R Certificates  may be  "noneconomic  residual  interests"  within the
meaning of Treasury  regulations  promulgated  pursuant to the Code and that the
transferor of a noneconomic  residual  interest will remain liable for any taxes
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.
<PAGE>

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 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.
<PAGE>

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 Internal Revenue Code of
1986, as amended (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.


<PAGE>


               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___.


<PAGE>


                                    EXHIBIT 1

DEPARTMENT OF THE TREASURY

Internal Revenue Service

26 CFR Parts 1 and 602

[TD 9004]
RIN 1545-AW98


Real Estate Mortgage Investment Conduits

AGENCY: Internal Revenue Service (IRS), Treasury.

ACTION: Final regulations.

-----------------------------------------------------------------------

SUMMARY:  This  document  contains  final  regulations  relating  to safe harbor
transfers of noneconomic  residual interests in real estate mortgage  investment
conduits (REMICs).  The final regulations provide additional  limitations on the
circumstances under which transferors may claim safe harbor treatment.

DATES: Effective Date: These regulations are effective July 19, 2002.
    Applicability Date: For dates of applicability, see Sec. 1.860E-
(1)(c)(10).

FOR FURTHER INFORMATION CONTACT: Courtney Shepardson at (202) 622-3940
(not a toll-free number).

SUPPLEMENTARY INFORMATION:

Paperwork Reduction Act

    The  collection  of  information  in this final rule has been  reviewed and,
pending  receipt and  evaluation of public  comments,  approved by the Office of
Management  and Budget (OMB) under 44 U.S.C.  3507 and assigned  control  number
1545-1675.
    The  collection  of  information  in  this  regulation  is in  Sec.  1.860E-
1(c)(5)(ii).  This  information  is  required to enable the IRS to verify that a
taxpayer is complying with the conditions of this regulation.  The collection of
information  is mandatory  and is  required.  Otherwise,  the taxpayer  will not
receive the benefit of safe harbor treatment as provided in the regulation.  The
likely respondents are businesses and other for-profit institutions.
<PAGE>

    Comments on the  collection of  information  should be sent to the Office of
Management  and Budget,  Attn:  Desk Officer for the Department of the Treasury,
Office of Information and Regulatory Affairs, Washington, DC, 20503, with copies
to  the  Internal  Revenue  Service,   Attn:  IRS  Reports  Clearance   Officer,
W:CAR:MP:FP:S,  Washington,  DC 20224. Comments on the collection of information
should be received by September 17, 2002.  Comments are  specifically  requested
concerning:

    Whether  the   collection  of   information  is  necessary  for  the  proper
performance of the functions of the Internal Revenue Service,  including whether
the information will have practical utility;

    The accuracy of the estimated burden associated with the collection
of information (see below);

    How the quality, utility, and clarity of the information to be
collected may be enhanced;

    How the  burden of  complying  with the  collection  of  information  may be
minimized,  including through the application of automated collection techniques
or other forms of information technology; and

    Estimates of capital or start-up costs and costs of operation,  maintenance,
and purchase of service to provide information.

    An agency  may not  conduct  or  sponsor,  and a person is not  required  to
respond to, a  collection  of  information  unless it  displays a valid  control
number assigned by the Office of Management and Budget.

    The  estimated  total  annual  reporting  burden is 470  hours,  based on an
estimated  number of respondents  of 470 and an estimated  average annual burden
hours per respondent of one hour.

    Books or records relating to a collection of information must be retained as
long as their contents may become material in the administration of any internal
revenue law. Generally, tax returns and tax return information are confidential,
as required by 26 U.S.C. 6103.

Background

    This document contains final regulations  regarding the proposed  amendments
to 26 CFR part 1 under  section  860E of the Internal  Revenue Code (Code).  The
regulations  provide the circumstances under which a transferor of a noneconomic
REMIC  residual   interest   meeting  the   investigation   and   representation
requirements  may avail  itself  of the safe  harbor by  satisfying  either  the
formula test or the asset test.

    Final regulations  governing REMICs, issued in 1992, contain rules governing
the transfer of noneconomic REMIC residual interests.  In general, a transfer of
a  noneconomic  residual  interest  is  disregarded  for all tax  purposes  if a
significant purpose of the transfer is to

[[Page 47452]]

enable the  transferor to impede the  assessment or collection of tax. A purpose
to impede the assessment or collection of tax (a wrongful purpose) exists if the
transferor,  at the time of the transfer,  either knew or should have known that
the transferee would be unwilling or unable to pay taxes due on its share of the
REMIC's taxable income.

<PAGE>

    Under a safe harbor, the transferor of a REMIC noneconomic residual interest
is presumed not to have a wrongful  purpose if two  requirements  are satisfied:
(1) the  transferor  conducts a  reasonable  investigation  of the  transferee's
financial  condition  (the  investigation  requirement);  and (2) the transferor
secures a  representation  from the transferee to the effect that the transferee
understands the tax obligations  associated with holding a residual interest and
intends to pay those taxes (the representation requirement).

    The  IRS  and  Treasury  have  been  concerned  that  some   transferors  of
noneconomic  residual  interests  claim they  satisfy  the safe  harbor  even in
situations  where the economics of the transfer  clearly indicate the transferee
is unwilling or unable to pay the tax associated with holding the interest.  For
this reason,  on February 7, 2000, the IRS published in the Federal Register (65
FR 5807) a notice of proposed rulemaking (REG-100276-97; REG-122450-98) designed
to clarify the safe harbor by adding the "formula  test," an economic  test. The
proposed  regulation  provides  that the safe harbor is  unavailable  unless the
present value of the  anticipated  tax  liabilities  associated with holding the
residual  interest  does not  exceed the sum of:  (1) The  present  value of any
consideration  given to the transferee to acquire the interest;  (2) the present
value of the expected future distributions on the interest;  and (3) the present
value of the anticipated tax savings associated with holding the interest as the
REMIC generates losses.

    The notice of proposed  rulemaking also contained rules for FASITs.  Section
1.860H-6(g) of the proposed regulations  provides  requirements for transfers of
FASIT  ownership  interests  and adopts a safe harbor by  reference  to the safe
harbor provisions of the REMIC regulations.

    In January 2001, the IRS published Rev. Proc. 2001-12 (2001-3 I.R.B. 335) to
set forth an alternative  safe harbor that taxpayers could use while the IRS and
the  Treasury  considered  comments  on  the  proposed  regulations.  Under  the
alternative safe harbor, if a transferor meets the investigation requirement and
the representation  requirement but the transfer fails to meet the formula test,
the transferor  may invoke the safe harbor if the transferee  meets a two- prong
test (the asset test). A transferee generally meets the first prong of this test
if, at the time of the transfer, and in each of the two years preceding the year
of  transfer,  the  transferee's  gross  assets  exceed $100 million and its net
assets exceed $10 million. A transferee generally meets the second prong of this
test if it is a  domestic,  taxable  corporation  and agrees in  writing  not to
transfer  the  interest  to any person  other  than  another  domestic,  taxable
corporation that also satisfies the requirements of the asset test. A transferor
cannot rely on the asset test if the  transferor  knows,  or has reason to know,
that the  transferee  will not comply  with its written  agreement  to limit the
restrictions on subsequent transfers of the residual interest.

<PAGE>

    Rev. Proc. 2001-12 provides that the asset test fails to be satisfied in the
case of a transfer or assignment of a noneconomic residual interest to a foreign
branch of an otherwise  eligible  transferee.  If such a transfer or  assignment
were permitted,  a corporate taxpayer might seek to claim that the provisions of
an  applicable  income tax treaty  would  resource  excess  inclusion  income as
foreign  source  income,  and that,  as a  consequence,  any U.S. tax  liability
attributable  to the excess  inclusion  income  could be offset by  foreign  tax
credits.  Such a claim would impede the  assessment or collection of U.S. tax on
excess inclusion income,  contrary to the congressional purpose of assuring that
such income will be taxable in all events. See, e.g., sections 860E(a)(1),  (b),
(e) and 860G(b) of the Code.

    The Treasury and the IRS have  learned that certain  taxpayers  transferring
noneconomic residual interests to foreign branches have attempted to rely on the
formula  test to obtain  safe  harbor  treatment  in an  effort  to  impede  the
assessment or collection of U.S. tax on excess  inclusion  income.  Accordingly,
the  final  regulations  provide  that if a  noneconomic  residual  interest  is
transferred  to a  foreign  permanent  establishment  or  fixed  base  of a U.S.
taxpayer,  the transfer is not eligible for safe harbor  treatment  under either
the asset  test or the  formula  test.  The  final  regulations  also  require a
transferee  to  represent  that it will not cause  income  from the  noneconomic
residual  interest to be attributable to a foreign  permanent  establishment  or
fixed base.

    Section 1.860E-1(c)(8)  provides computational rules that a taxpayer may use
to  qualify  for  safe  harbor   status   under  the   formula   test.   Section
1.860E-1(c)(8)(i)  provides that the transferee is presumed to pay tax at a rate
equal to the highest rate of tax specified in section 11(b).  Some  commentators
were  concerned that this presumed rate of taxation was too high because it does
not take into  consideration  taxpayers  subject to the alternative  minimum tax
rate. In light of the comments received,  this provision has been amended in the
final regulations to allow certain transferees that compute their taxable income
using the alternative  minimum tax rate to use the alternative  minimum tax rate
applicable to corporations.

    Additionally,  Sec.  1.860E-1(c)(8)(iii) provides that the present values in
the  formula  test  are to be  computed  using  a  discount  rate  equal  to the
applicable  Federal  short-term  rate prescribed by section  1274(d).  This is a
change  from  the  proposed   regulation  and  Rev.  Proc.   2001-12.  In  those
publications  the  provision  stated that "present  values are computed  using a
discount rate equal to the applicable Federal rate prescribed in section 1274(d)
compounded  semiannually"  and that "[a] lower  discount rate may be used if the
transferee can demonstrate that it regularly borrows, in the course of its trade
or  business,  substantial  funds at such  lower  rate from an  unrelated  third
party." The IRS and the Treasury  Department  have learned  that,  based on this
provision,  certain taxpayers have been attempting to use unrealistically low or
zero interest rates to satisfy the formula test,  frustrating  the intent of the
test.  Furthermore,  the  Treasury  Department  and the IRS believe  that a rule
allowing  for a rate  other than a rate based on an  objective  index  would add
unnecessary complexity to the safe harbor. As a result, the rule in the proposed

<PAGE>

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

    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.
<PAGE>

Drafting Information

    The principal author of these regulations is Courtney  Shepardson.  However,
other  personnel  from the IRS and  Treasury  Department  participated  in their
development.

List of Subjects

26 CFR Part 1

    Income taxes, Reporting and record keeping requirements.

26 CFR Part 602

    Reporting and record keeping requirements.

Adoption of Amendments to the Regulations

    Accordingly, 26 CFR parts 1 and 602 are amended as follows:

PART 1--INCOME TAXES

    Paragraph 1. The authority  citation for part 1 continues to read in part as
follows:

    Authority: 26 U.S.C. 7805 * * *


<PAGE>



                                   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,   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
indicate  that the  Purchaser  will not continue to pay its debts as they become
due in the  future.  The  Seller  understands  that  the  transfer  of a Class R
Certificate  may not be respected for United States income tax purposes (and the
Seller may  continue  to be liable for United  States  income  taxes  associated
therewith) unless the Seller has conducted such an investigation.

4. The Seller has no actual knowledge that the proposed Transferee is not both a
United States Person and a Permitted Transferee.


                                Very truly yours,


                                            (Seller)



                                            By:
                                               ---------------------------------
                                            Name:
                                                 -------------------------------
                                            Title:
                                                  ------------------------------


<PAGE>




                                    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.
<PAGE>

2.   The  Purchaser  is  acquiring  the  Certificates  for its own  account  for
     investment  only and not with a view to or for sale in connection  with any
     distribution  thereof  in any  manner  that  would  violate  the Act or any
     applicable state securities laws.

3.   The Purchaser is (a) a substantial,  sophisticated  institutional  investor
     having such  knowledge and  experience  in financial and business  matters,
     and, in particular,  in such matters  related to securities  similar to the
     Certificates, such that it is capable of evaluating the merits and risks of
     investment in the Certificates, (b) able to bear the economic risks of such
     an investment and (c) an "accredited  investor"  within the meaning of Rule
     501(a) promulgated pursuant to the Act.

4.   The Purchaser has been furnished with, and has had an opportunity to review
     (a) [a copy of the Private  Placement  Memorandum,  dated  ________,  20__,
     relating  to the  Certificates  (b)] a copy of the  Pooling  and  Servicing
     Agreement and [b] [c] such other  information  concerning the Certificates,
     the Mortgage  Loans and the Company as has been  requested by the Purchaser
     from the Company or the Seller and is relevant to the Purchaser's  decision
     to purchase the  Certificates.  The Purchaser has had any questions arising
     from such review answered by the Company or the Seller to the  satisfaction
     of the Purchaser.  [If the Purchaser did not purchase the Certificates from
     the Seller in connection with the initial  distribution of the Certificates
     and was  provided  with a copy of the  Private  Placement  Memorandum  (the
     "Memorandum")  relating to the original sale (the  "Original  Sale") of the
     Certificates  by  the  Company,   the  Purchaser   acknowledges  that  such
     Memorandum  was  provided  to it by the  Seller,  that the  Memorandum  was
     prepared by the Company solely for use in connection with the Original Sale
     and  the  Company  did  not  participate  in or  facilitate  in any way the
     purchase of the  Certificates  by the  Purchaser  from the Seller,  and the
     Purchaser  agrees  that it will look  solely to the  Seller  and not to the
     Company with respect to any damage, liability, claim or expense arising out
     of, resulting from or in connection with (a) error or omission,  or alleged
     error or omission,  contained in the  Memorandum,  or (b) any  information,
     development or event arising after the date of the Memorandum.]

5.   The  Purchaser  has not and  will  not  nor  has it  authorized  or will it
     authorize any person to (a) offer,  pledge,  sell,  dispose of or otherwise
     transfer  any  Certificate,  any interest in any  Certificate  or any other
     similar security to any person in any manner,  (b) solicit any offer to buy
     or to accept a pledge,  disposition of other  transfer of any  Certificate,
     any interest in any  Certificate  or any other  similar  security  from any
     person in any manner,  (c) otherwise  approach or negotiate with respect to
     any  Certificate,  any  interest in any  Certificate  or any other  similar
     security with any person in any manner,  (d) make any general  solicitation
     by means of  general  advertising  or in any  other  manner or (e) take any
     other action,  that (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.
<PAGE>

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:
                                                  ------------------------------



<PAGE>



                                    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:
                                                  ------------------------------


<PAGE>





                                    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.
<PAGE>

(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.
<PAGE>

               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:
     ----------------------------------------



<PAGE>



                              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.
<PAGE>

--   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.
<PAGE>

                           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:
                                                 -------------------------------

<PAGE>


                              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.
<PAGE>

13. The undersigned will notify each of the parties to which this  certification
is made of any changes in the  information and  conclusions  herein.  Until such
notice,  the  Buyer's  purchase  of  Rule  144A  Securities  will  constitute  a
reaffirmation  of this  certification  by the undersigned as of the date of such
purchase.




                               Print Name of Buyer


                                            By:
                                                 -------------------------------
                                                 Name:
                                                      --------------------------
                                                 Title:
                                                       -------------------------


                                            IF AN ADVISER:



                               Print Name of Buyer


                                            Date:
                                                 -------------------------------


<PAGE>




                                    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

<PAGE>

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

<PAGE>

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.

<PAGE>




                                    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.

<PAGE>

               (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.
<PAGE>

               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:
      ---------------------------------------------


<PAGE>


                                    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:
                                                  ------------------------------


<PAGE>



                                               1



                                    EXHIBIT N


                          FORM OF REQUEST FOR EXCHANGE

                                             [DATE]

==================
------------------

               Re:    Residential Accredit Loans, Inc.,
                      Mortgage Asset-Backed Pass-Through Certificates,
                      Series ____-___

               Residential Funding Corporation,  as the Holder of a % Percentage
Interest of the [Interest Only/Class A-V][-1] Certificates,  hereby requests the
Trustee  to  exchange  the  above-referenced  Certificates  for  the  Subclasses
referred to below:

1.   [Interest  Only/Class  A-V]-  Certificates,  corresponding to the following
     Uncertificated REMIC Regular Interests:  [List numbers corresponding to the
     related  loans and Pool Strip Rates from the Mortgage Loan  Schedule].  The
     initial Subclass  Notional Amount and the Initial  Pass-Through Rate on the
     [Interest Only/Class A-V]- Certificates will be $ and %, respectively.

2.      [Repeat as appropriate.]

               The  Subclasses  requested  above will represent in the aggregate
all of the Uncertificated  REMIC Regular Interests  represented by the [Interest
Only/Class A-V][-1] Certificates surrendered for exchange.

               All capitalized  terms used but not defined herein shall have the
meanings  set  forth  in  the  Pooling  and  Servicing  Agreement,  dated  as of
___________ 1, ____, among Residential Accredit Loans, Inc., Residential Funding
Corporation and __________________, as trustee.



                                            RESIDENTIAL FUNDING CORPORATION



                                            By:
                                               ---------------------------------
                                            Name:
                                            Title:



<PAGE>

<PAGE>


                                  EXHIBIT FIVE

                         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 that 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  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 the review  required  under the
P&S Agreement,  and, except as disclosed in the report,  the Master Servicer has
fulfilled its obligations under the P&S Agreement; and

        5. I have disclosed to the Company's  certified  public  accountants all
significant  deficiencies  relating to the Master Servicer's compliance with the
minimum servicing  standards in accordance with a review conducted in compliance
with the Uniform Single Attestation Program for Mortgage Bankers as set forth in
the P&S Agreement.

Date:_______________________



____________________________*
Name:
Title:

*    to be signed by the senior officer in charge of the servicing  functions of
     the Master Servicer


<PAGE>


                                   EXHIBIT SIX

                   [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  [_________],  2002  (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  information  that is  provided  by the
Trustee  pursuant to Section  4.03(e)(I)  of 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:


<PAGE>