EXHIBIT 10.2


 


EXECUTION COPY


 


ASSIGNMENT,
ASSUMPTION AND RECOGNITION AGREEMENT


 


This
is an Assignment, Assumption and Recognition Agreement (the “Agreement”) made as of the 27th day of June,
2012, among Redwood Residential Acquisition Corporation, a Delaware corporation (“Assignor”), Sequoia Residential
Funding, Inc., a Delaware corporation (“Depositor”), Christiana Trust, a division of Wilmington Savings Fund Society,
FSB, a federal savings bank, not in its individual capacity but solely as trustee (in such capacity, the “Trustee”
or the “Assignee”) under a Pooling and Servicing Agreement dated as of June 1, 2012 (the “Pooling and Servicing
Agreement”), and First Republic Bank, a California-chartered bank (the “Bank”).


 


In
consideration of the mutual promises contained herein, the parties hereto agree that the mortgage loans (the “Attachment
1A Mortgage Loans”) listed on Attachment 1A annexed hereto (the “Attachment 1A Mortgage Loan Schedule”) now
serviced by the Bank (together with its successors and assigns, the “Servicer”) for Assignor and its successors and
assigns pursuant to the Flow Mortgage Loan Sale and Servicing Agreement dated as of July 1, 2010, between Assignor and the Bank
(the “Sale and Servicing Agreement”) and the servicing thereof shall be subject to the terms of the Sale and Servicing
Agreement as modified or supplemented by this Agreement. In consideration of the mutual promises contained herein, the parties
hereto further agree that the servicing of the mortgage loans (the “Attachment 1B Mortgage Loans” and, together with
the Attachment 1A Mortgage Loans, the “Mortgage Loans”) listed on Attachment 1B annexed hereto (the “Attachment
1B Mortgage Loan Schedule” and, together with the Attachment 1A Mortgage Loan Schedule, the “Mortgage Loan Schedule”)
delivered under the Flow Mortgage Loan Sale and Servicing Agreement dated as of March 16, 2012, between Barclays Bank PLC and
the Bank, as modified by the Assignment, Assumption and Recognition Agreement, dated as of March 29, 2012 (the “Barclays
AAR”), among Barclays Capital PLC, Redwood Residential Acquisition Corporation and the Bank (together, the “Purchase
Agreement”) shall be subject to the terms of the Sale and Servicing Agreement as modified or supplemented by this Agreement.
Unless otherwise specified herein, capitalized terms used herein but not defined shall have the meanings ascribed to them in the
Sale and Servicing Agreement. Assignor will sell the Mortgage Loans to Depositor pursuant to a Mortgage Loan Purchase and Sale
Agreement dated the date hereof, and Depositor will sell the Mortgage Loans to Assignee pursuant to the Pooling and Servicing
Agreement.


 


Assignment
and Assumption


 


1.          Assignor
hereby grants, transfers and assigns to Depositor all of its right, title and interest in, to and under the Sale and Servicing
Agreement to the extent relating to the Attachment 1A Mortgage Loans, together with its obligations as “Purchaser”
to the extent relating to the Attachment 1A Mortgage Loans, and Depositor hereby accepts such assignment from Assignor and assumes
such obligations.


 



    	 



    	 



    

 


2.          Assignor
hereby grants, transfers and assigns to Depositor all of its right, title and interest in, to and under the Purchase Agreement
to the extent relating to the Attachment 1B Mortgage Loans, together with its obligations as “Purchaser” (as such
term is defined in the Purchase Agreement) to the extent relating to the Attachment 1B Mortgage Loans, and Depositor hereby accepts
such assignment from Assignor and assumes such obligations.


 


3.          Depositor
hereby grants, transfers and assigns to Assignee all of its right, title and interest in, to and under the Sale and Servicing
Agreement to the extent relating to the Attachment 1A Mortgage Loans, together with its obligations as “Purchaser”
to the extent relating to the Attachment 1A Mortgage Loans, Depositor is released from all obligations under the Sale and Servicing
Agreement, and Assignee hereby accepts such assignment from Depositor and assumes such obligations.


 


4.          Depositor
hereby grants, transfers and assigns to Assignee all of its right, title and interest in, to and under the Purchase Agreement
to the extent relating to the Attachment 1B Mortgage Loans, together with its obligations as “Purchaser” (as such
term is defined in the Purchase Agreement) to the extent relating to the Attachment 1B Mortgage Loans, Depositor is released from
all obligations under the Purchase Agreement, and Assignee hereby accepts such assignment from Depositor and assumes such obligations.


 


5.          Assignee
agrees to be bound, as “Purchaser,” by all of the terms, covenants and conditions of the Sale and Servicing Agreement
relating to the Attachment 1A Mortgage Loans, and from and after the date hereof, Assignee assumes for the benefit of each of
Assignor, Depositor and the Bank all of Assignor's obligations as Purchaser thereunder in respect of the Attachment 1A Mortgage
Loans, and Assignor is released from such obligations.


 


6.          Assignee
agrees to be bound, as “Purchaser” (as such term is defined in the Purchase Agreement), by all of the terms, covenants
and conditions of the Purchase Agreement relating to the Attachment 1B Mortgage Loans, and from and after the date hereof, Assignee
assumes for the benefit of each of Assignor, Depositor and the Bank all of Assignor's obligations as Purchaser thereunder in respect
of the Attachment 1B Mortgage Loans, and Assignor is released from such obligations.


 


7.
          The Bank hereby acknowledges the foregoing assignments and assumptions
and agrees that Assignee shall be the “Purchaser” under both the Sale and Servicing Agreement with respect to the
Attachment 1A Mortgage Loans and the Purchase Agreement with respect to the Attachment 1B Mortgage Loans.


 


Representations
and Warranties


 


8.          Assignor
warrants and represents to, and covenants with, Depositor, Assignee and the Bank as of the date hereof that:


 



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(a)          Attached
hereto as Attachment 2A is a true and accurate copy of the Sale and Servicing Agreement, and as Attachment 2B is a true and accurate
copy of the Purchase Agreement, each of which agreement is in full force and effect as of the date hereof and the provisions of
which have not been waived, amended or modified in any respect, nor has any notice of termination been given thereunder;


 


(b)          Assignor
is the lawful owner of its interests, rights and obligations under the Sale and Servicing Agreement to the extent of the Attachment
1A Mortgage Loans and the Purchase Agreement to the extent of the Attachment 1B Mortgage Loans, in each case free and clear from
any and all claims and encumbrances whatsoever, and upon the transfer of such interests, rights and obligations to Assignee as
contemplated herein, Assignee shall have good title to all of Assignee's interests, rights and obligations under the Sale and
Servicing Agreement to the extent of the Attachment 1A Mortgage Loans and the Purchase Agreement to the extent of the Attachment
1B Mortgage Loans, in each case free and clear of all liens, claims and encumbrances;


 


(c)          There
are no offsets, counterclaims or other defenses available to the Bank with respect to the Sale and Servicing Agreement or the
Purchase Agreement;


 


(d)          Assignor
is duly organized, validly existing and in good standing under the laws of the jurisdiction of its incorporation, and has all
requisite power and authority to enter into and perform its obligations under each of the Sale and Servicing Agreement and the
Purchase Agreement;


 


(e)          Assignor
has full corporate power and authority to execute, deliver and perform its obligations under this Agreement, and to consummate
the transactions set forth herein. The consummation of the transactions contemplated by this Agreement is in the ordinary course
of Assignor’s business and will not conflict with, or result in a breach of, any of the terms, conditions or provisions
of Assignor’s charter or by-laws or any legal restriction, or any material agreement or instrument to which Assignor is
now a party or by which it is bound, or result in the violation of any law, rule, regulation, order, judgment or decree to which
Assignor or its property is subject. The execution, delivery and performance by Assignor of this Agreement and the consummation
by it of the transactions contemplated hereby, have been duly authorized by all necessary corporate action on the part of Assignor.
This Agreement has been duly executed and delivered by Assignor and, upon the due authorization, execution and delivery by the
other parties hereto, will constitute the valid and legally binding obligation of Assignor enforceable against Assignor in accordance
with its terms except as enforceability may be limited by bankruptcy, reorganization, insolvency, moratorium or other similar
laws now or hereafter in effect relating to creditors’ rights generally, and by general principles of equity regardless
of whether enforceability is considered in a proceeding in equity or at law; and


 



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(f)          No
consent, approval, order or authorization of, or declaration, filing or registration with, any governmental entity is required
to be obtained or made by Assignor in connection with the execution, delivery or performance by Assignor of this Agreement, or
the consummation by it of the transactions contemplated hereby.


 


9.            Depositor
warrants and represents to, and covenants with, Assignor, Assignee and the Bank that as of the date hereof:


 


(a)          Depositor
is a Delaware corporation duly organized, validly existing and in good standing under the laws of the jurisdiction of its incorporation;


 


(b)          Depositor
has full corporate power and authority to execute, deliver and perform its obligations under this Agreement, and to consummate
the transactions set forth herein. The consummation of the transactions contemplated by this Agreement is in the ordinary course
of Depositor’s business and will not conflict with, or result in a breach of, any of the terms, conditions or provisions
of Depositor’s charter or by-laws or any legal restriction, or any material agreement or instrument to which Depositor is
now a party or by which it is bound, or result in the violation of any law, rule, regulation, order, judgment or decree to which
Depositor or its property is subject. The execution, delivery and performance by Depositor of this Agreement and the consummation
by it of the transactions contemplated hereby, have been duly authorized by all necessary corporate action on part of Depositor.
This Agreement has been duly executed and delivered by Depositor and, upon the due authorization, execution and delivery by the
other parties hereto, will constitute the valid and legally binding obligation of Depositor enforceable against Depositor in accordance
with its terms except as enforceability may be limited by bankruptcy, reorganization, insolvency, moratorium or other similar
laws now or hereafter in effect relating to creditors’ rights generally, and by general principles of equity regardless
of whether enforceability is considered in a proceeding in equity or at law; and


 


(c)          No
consent, approval, order or authorization of, or declaration, filing or registration with, any governmental entity is required
to be obtained or made by Depositor in connection with the execution, delivery or performance by Depositor of this Agreement,
or the consummation by it of the transactions contemplated hereby other than any that have been obtained or made.


 


10.         Assignee
warrants and represents to, and covenants with, Assignor, Depositor and the Bank that as of the date hereof:


 


(a)          Assignee
is a federal savings bank duly organized, validly existing and in good standing under the laws of the jurisdiction of its organization;
and


 



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(b)          Assignee
has been directed to enter into this Agreement pursuant to the provisions of the Pooling and Servicing Agreement. The execution,
delivery and performance by Assignee of this Agreement and the consummation by it of the transactions contemplated hereby, have
been duly authorized by all necessary action on part of Assignee. This Agreement has been duly executed and delivered by Assignee
and, upon the due authorization, execution and delivery by the other parties hereto, will constitute the valid and legally binding
obligation of Assignee enforceable against Assignee in accordance with its terms except as enforceability may be limited by bankruptcy,
reorganization, insolvency, moratorium or other similar laws now or hereafter in effect relating to creditors’ rights generally,
and by general principles of equity regardless of whether enforceability is considered in a proceeding in equity or at law.


 


11.         The
Bank warrants and represents to, and covenants with, Assignor, Depositor and Assignee as of the date hereof that:


 


(a)          Attached
hereto as Attachment 2A is a true and accurate copy of the Sale and Servicing Agreement and as Attachment 2B is a true and accurate
copy of the Purchase Agreement, each of which agreement is in full force and effect as of the date hereof and the provisions of
which have not been waived, amended or modified in any respect, nor has any notice of termination been given thereunder;


 


(b)          The
Bank is duly organized, validly existing and in good standing under the laws of the jurisdiction of its incorporation, and has
all requisite power and authority to service the Mortgage Loans pursuant to the Sale and Servicing Agreement and otherwise to
perform its obligations under the Sale and Servicing Agreement and the Purchase Agreement;


 


(c)          The
Bank has full corporate power and authority to execute, deliver and perform its obligations under this Agreement, and to consummate
the transactions set forth herein. The consummation of the transactions contemplated by this Agreement is in the ordinary course
of the Bank’s business and will not conflict with, or result in a breach of, any of the terms, conditions or provisions
of the Bank’s charter or by-laws or any legal restriction, or any material agreement or instrument to which the Bank is
now a party or by which it is bound, or result in the violation of any law, rule, regulation, order, judgment or decree to which
the Bank or its property is subject. The execution, delivery and performance by the Bank of this Agreement and the consummation
by it of the transactions contemplated hereby, have been duly authorized by all necessary corporate action on part of the Bank.
This Agreement has been duly executed and delivered by the Bank and, upon the due authorization, execution and delivery by Assignor,
Assignee and the Depositor, will constitute the valid and legally binding obligation of the Bank enforceable against the Bank
in accordance with its terms except as enforceability may be limited by bankruptcy, reorganization, insolvency, moratorium or
other similar laws now or hereafter in effect relating to creditors’ rights generally, and by general principles of equity
regardless of whether enforceability is considered in a proceeding in equity or at law; and


 


(d)          No
consent, approval, order or authorization of, or declaration, filing or registration with, any governmental entity is required
to be obtained or made by the Bank in connection with the execution, delivery or performance by the Bank of this Agreement, or
the consummation by it of the transactions contemplated hereby.


 



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Restated
Bank Representations and Warranties


 


12.         The
Bank hereby restates to Depositor and Assignee (a) the representations and warranties set forth in Subsection 7.01 of the Sale
and Servicing Agreement with respect to each Attachment 1A Mortgage Loan as of the related Closing Date (as such term is defined
in the Sale and Servicing Agreement), (b) the representations and warranties set forth in Subsection 7.02 of the Sale and
Servicing Agreement as of the date hereof, with respect to each Attachment 1A Mortgage Loan, (c) the representations and warranties
set forth in Subsection 7.01 of the Purchase Agreement with respect to each Attachment 1B Mortgage Loan as of the related Closing
Date (as such term is defined in the Purchase Agreement) and (d) the representations and warranties set forth in Subsection
7.02 of the Purchase Agreement as of the date hereof, with respect to each Attachment 1B Mortgage Loan, in each case as if such
representations and warranties were set forth herein in full.


 


In
the event of a breach of any representations and warranties referred to in clauses (a) or (b) above as of the date specified,
Assignee shall be entitled to all the remedies under the Sale and Servicing Agreement, subject to the rights of the Controlling
Holder pursuant to Section 16.


 


Repurchase
by Assignor Upon Certain Breaches of Representations and Warranties


 


13.         
(a)          Assignor hereby covenants and agrees that, if a breach of any representation
and warranty set forth in Subsection 7.01 of the Sale and Servicing Agreement or Subsection 7.01 of the Purchase Agreement exists
on the date hereof that materially and adversely affects the value of any Mortgage Loan or the interest of Assignee in any Mortgage
Loan and such breach did not exist as of the Closing Date of that Mortgage Loan, Assignor shall have a period of 60 days from
the earlier of either discovery by or receipt of written notice from Assignee to Assignor of such breach within which to correct
or cure such breach. Each determination as to whether there has been such a breach shall be conducted on a Mortgage Loan-by-Mortgage
Loan basis. A breach of representations and warranties in Subsections 7.01(h), (bb), and (vv) of the Sale and Servicing Agreement
or the Purchase Agreement shall be deemed to materially and adversely affect the value of the related Mortgage Loan or the interest
of the Assignee therein. Assignor hereby covenants and agrees that if any breach cannot be corrected or cured within such 60 day
period, then Assignor shall, at its option, (i) substitute a mortgage loan for the defective Mortgage Loan in accordance with
the Sale and Servicing Agreement or the Purchase Agreement, as applicable, (ii) repurchase the related Mortgage Loan at the Repurchase
Price or (iii) except for a breach of a representation and warranty in Subsection 7.01(bb) of the Sale and Servicing Agreement
or the Purchase Agreement, make an indemnification payment in an amount equal to the reduction in value of such Mortgage Loan
as a result of such breach not later than 90 days after its discovery or receipt of notice of such breach and in the case of clauses
(ii) and (iii) above, by wire transfer of immediately available funds to such account as Assignee shall specify to Assignor.


 



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(b)          Assignor
and Assignee agree that the resolution of any controversy or claim arising out of or relating to an obligation or alleged obligation
of Assignor to repurchase a Mortgage Loan or Mortgage Loans pursuant to Section 13(a) above shall be by Arbitration administered
by the American Arbitration Association. If any such controversy or claim has not been resolved to the satisfaction of both Assignor
and Assignee, either party may commence Arbitration to resolve the dispute; provided that a party may commence Arbitration with
respect to one or more unresolved allegations only during the months of January, April, July and October, and all matters with
respect to which Arbitration has been commenced in any such month shall be heard in a single Arbitration in the immediately following
month or as soon as practicable thereafter; and provided further that if any Arbitration arising out of or relating to an obligation
or alleged obligation of the Bank to repurchase a Mortgage Loan relating to the same representation and warranty, has commenced
and is continuing, then such Arbitration shall be joined with the Arbitration commenced hereunder.


 


(c)          To
commence Arbitration, the moving party shall deliver written notice to the other party that it has elected to pursue Arbitration
in accordance with this Section 13, provided that if Assignor has not responded to Assignee's notification of a breach of a representation
and warranty, Assignee shall not commence Arbitration with respect to that breach before 60 days following such notification in
order to provide Assignor with an opportunity to respond to such notification. Within ten Business Days after a party has provided
notice that it has elected to pursue Arbitration, each party may submit the names of one or more proposed Arbitrators to the other
party in writing. If the parties have not agreed on the selection of an Arbitrator within five Business Days after the first such
submission, then the party commencing Arbitration shall, within the next five Business Days, notify the American Arbitration Association
in San Francisco, California and request that it appoint a single Arbitrator with experience in arbitrating disputes arising in
the financial services industry.


 


(d)          It
is the intention of the parties that Arbitration shall be conducted in as efficient and cost-effective a manner as is reasonably
practicable, without the burden of discovery. Accordingly, the Arbitrator will resolve the dispute on the basis of a review of
the written correspondence between the parties (including any supporting materials attached to such correspondence) conveyed by
the parties to each other in connection with the dispute prior to the delivery of notice to commence Arbitration; however, upon
a showing of good cause, a party may request the Arbitrator to direct the production of such additional information, evidence
and/or documentation from the parties that the Arbitrator deems appropriate. If requested by the Arbitrator or any party, any
hearing with respect to an Arbitration shall be conducted by video conference or teleconference except upon the agreement of both
parties or the request of the Arbitrator.


 


(e)          The
finding of the Arbitrator shall be final and binding upon the parties. Judgment upon any arbitration award rendered may be entered
and enforced in any court of competent jurisdiction. The costs of the Arbitrator shall be shared equally between both parties.
Each party, however, shall bear its own attorneys fees and costs in connection with the Arbitration.         


 



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Recognition
of Assignee


 


14.         (a)          From
and after the date hereof, subject to Sections 16 and 17 below, the Bank shall recognize Assignee as owner of the Mortgage Loans
and will service the Mortgage Loans and perform its obligations hereunder for the benefit of the Assignee in accordance with the
Sale and Servicing Agreement and the Purchase Agreement, each as modified hereby or as may be amended from time to time, as if
Assignee and the Bank had entered into a separate servicing agreement for the purchase and servicing of the Mortgage Loans.


 


(b)          From
and after the date hereof, the Bank further agrees that the provisions of the Sale and Servicing Agreement shall apply to all
of the Mortgage Loans as though all of the Mortgage Loans were sold by the Bank thereunder; provided, however, that Subsection
7.04 (Repurchase of Mortgage Loans with Early Payment Default) and Subsection 7.05 (Purchase Price Protection) of the Purchase
Agreement shall apply to the Attachment 1B Mortgage Loans as though set forth in the Sale and Servicing Agreement.


 


(c)          It
is the intention of Assignor, Depositor, the Bank and Assignee that this Agreement, which includes the Sale and Servicing Agreement,
shall constitute a separate and distinct servicing agreement, and the entire servicing agreement, between the Bank and Assignee
to the extent of the Mortgage Loans and shall be binding upon and for the benefit of the respective successors and assigns of
the parties hereto.


 


15.         The
Mortgage Loans shall be serviced by the Bank for Assignee in accordance with all applicable state, federal and local laws as well
as in conformity with the provisions of the applicable Mortgages and Mortgage Notes, and pursuant to the terms and conditions
of this Agreement.


 


Continuing
Rights and Responsibilities 


 


16.         (a)          Controlling
Holder Rights. The Bank agrees and acknowledges that Sequoia Mortgage Funding Corporation, an Affiliate of the Depositor,
in its capacity as the initial Controlling Holder pursuant to the Pooling and Servicing Agreement, and for so long as it is the
Controlling Holder, will assume all of Assignee's rights and all related responsibilities as Purchaser under each of the following
sections of the Sale and Servicing Agreement:


 



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Sale
and Servicing Agreement:


 


	 	Section
    or Subsection	 	Matter
	 	 	 	 
	 	7.03, other than 7.03(c)	 	Repurchase
    and Substitution
	 	 	 	 
	 	11.20	 	Seller
    and Servicer Shall Provide Access and Information as Reasonably Required


 


(b)          Notwithstanding
Sections 1 and 2 above, Assignor reserves its rights under, and does not assign to Assignee or Depositor, the ongoing rights to
take action and the responsibilities of the Purchaser under the sections of the Purchase Agreement and the Sale and Servicing
Agreement listed below:


 


Purchase
Agreement:


 


	 	Section	 	Matter
	 	7.04	 	Repurchase
    of Mortgage Loans with Early Payment Default
	 	 	 	 
	 	7.05	 	Purchase
    Price Protection


 


Sale
and Servicing Agreement:


 


	 	Subsection	 	Matter
	 	7.05	 	Purchase
        Price Protection

         

	 	Addendum
    I	 	Regulation
    AB Compliance Addendum


 


(c)          In
addition, the Bank agrees to furnish to Assignor and to Wells Fargo Bank, N.A., as master servicer or securities administrator
under the Pooling and Servicing Agreement (the “Master Servicer”), copies of reports, notices, statements and other
communications required to be delivered to the Purchaser by the Bank pursuant to any of the sections of the Sale and Servicing
Agreement referred to above and under the following sections, at the times therein specified:


  



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Sale
and Servicing Agreement:


 


	 	Subsection	 	 
	 	 	 	 
	 	11.09	 	Transfer
    of Accounts
	 	 	 	 
	 	11.16	 	Statements
    to the Purchaser
	 	 	 	 
	 	Subsection
    2.04 of Addendum I	 	Servicer
    Compliance Statement
	 	 	 	 
	 	Subsection
    2.05 of Addendum I	 	Report
    on Assessment of Compliance and Attestation


 


(d)          If
there is no Controlling Holder under the Pooling and Servicing Agreement, then all rights and responsibilities assumed by the
Controlling Holder pursuant to Section 16(a) shall terminate and revert to Assignee. Assignor will provide thirty (30) days notice
to the Bank of any such termination of which Assignor has knowledge. Upon the first exercise of an enforcement of any rights pursuant
to Section 16(a), Assignee shall notify (or cause the Master Servicer to notify) the Bank that there is no longer a Controlling
Holder.


 



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Amendments
to Sale and Servicing Agreement


 


17.         The
parties agree that the Sale and Servicing Agreement shall be amended, solely with respect to the Mortgage Loans, as follows:


 


(a)          Definitions.


 


(i)          The
definitions of “Arbitration,” “Business Day,” “Opinion of Counsel,” “Repurchase Price”
and “Servicing Fee Rate” set forth in Section 1 of the Sale and Servicing Agreement shall be deleted and replaced
in their entirety as follows, and the following definitions of “Affiliate,” “Clean-up Call,” “Controlling
Holder,” “Eligible Account,” “Eligible Investment,” “Principal Forbearance Amount,”
“Securities Administrator” and “Servicing Modification” shall be added to Section 1 of the Sale and Servicing
Agreement:


 


Affiliate:
With respect to any specified Person, another Person controlling or controlled by or under common control with such specified
Person. For the purposes of this definition, “control” when used with respect to any specified Person 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.


 





Arbitration:
Arbitration in accordance with the then governing Commercial Arbitration Rules of the American Arbitration Association and administered
by the American Arbitration Association, which shall be conducted in San Francisco, California or other place mutually acceptable
to the parties to the arbitration.


 


Business
Day: Any day other than (i) a Saturday or a Sunday, (ii) a legal holiday in the states of California, Delaware, Maryland,
Minnesota, Missouri or New York, (iii) a day on which banks in the states of California, Delaware, Maryland, Minnesota, Missouri
or New York, are authorized or obligated by law or executive order to be closed or (iv) a day on which the New York Stock Exchange
or the Federal Reserve Bank of New York is closed.


 


Clean-up
Call: The optional purchase of the mortgage loans subject to the Pooling and Servicing Agreement and all property acquired
in respect of any such mortgage loan remaining in the trust fund created pursuant to the Pooling and Servicing Agreement on any
date on which the aggregate stated principal balance is less than 10% of the aggregate stated principal balance as of June 1,
2012, in accordance with the Pooling and Servicing Agreement.


 



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Controlling
Holder: At any time, the holder of the majority of the class principal amount of the most subordinate class of certificates
issued pursuant to the Pooling and Servicing Agreement or, if the class principal amount of the most subordinate class of certificates
issued pursuant to the Pooling and Servicing Agreement is zero, the holder of the majority of the class principal amount of the
second most subordinate class of certificates issued pursuant to the Pooling and Servicing Agreement. If the class principal amount
of the second most subordinate class of certificates issued pursuant to the Pooling and Servicing Agreement is zero, then no entity
will have any rights as a Controlling Holder.


 


Eligible
Account: Any account or accounts maintained with a federal or state chartered depository institution or trust company the
short-term and long-term unsecured debt obligations of which (or, in the case of a depository institution or trust company that
is the principal subsidiary of a holding company, the debt obligations of such holding company) are rated in the highest rating
category of the Rating Agency with respect to short-term unsecured debt obligations and in one of the two highest rating categories
of Fitch, Inc. (the “Rating Agency”) with respect to long-term unsecured debt obligations at the time any amounts
are held on deposit therein. Eligible Accounts may bear interest. If the rating of the short-term or long-term unsecured debt
obligations of the depository institution or trust company that maintains the account or accounts is no longer in the highest
rating category of the Rating Agency with respect to short-term unsecured debt obligations or in one of the two highest rating
categories of the Rating Agency with respect to long-term unsecured debt obligations, the funds on deposit therewith in connection
with this transaction shall be transferred to an Eligible Account within 30 days of such downgrade.


 


Eligible
Investments: At any time, any one or more of the following obligations and securities:


 


(i)          direct
obligations of, and obligations fully guaranteed by the United States of America or any agency or instrumentality of the United
States of America the obligations of which are backed by the full faith and credit of the United States of America;


 


(ii)         (a)
demand or time deposits, federal funds or bankers’ acceptances issued by any depository institution or trust company incorporated
under the laws of the United States of America or any state thereof and subject to supervision and examination by federal and/or
state banking authorities, provided that the commercial paper and/or the short-term deposit rating and/or the long-term unsecured
debt obligations or deposits of such depository institution or trust company at the time of such investment or contractual commitment
providing for such investment are rated in the highest rating category by the Rating Agency for long-term unsecured debt with
a maturity of more than one year or in the highest rating category with respect to short-term obligations and (b) any other demand
or time deposit or certificate of deposit that is fully insured by the FDIC;


 



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(iii)        repurchase
obligations with a term not to exceed thirty (30) days and with respect to any security described in clause (i) above and entered
into with a depository institution or trust company (acting as principal) described in clause (ii)(a) above;


 


(iv)        securities
bearing interest or sold at a discount issued by any corporation incorporated under the laws of the United States of America or
any state thereof that are rated in the highest rating category by the Rating Agency for long-term unsecured debt with a maturity
of more than one year or in the highest rating category with respect to short-term obligations, in each case at the time of such
investment or contractual commitment providing for such investment; provided, however, that securities issued by any particular
corporation will not be Eligible Investments to the extent that investments therein will cause the then outstanding principal
amount of securities issued by such corporation and held as Eligible Investments to exceed 10% of the aggregate outstanding principal
balances of all of the Mortgage Loans and Eligible Investments;


 


(v)         commercial
paper (including both non-interest-bearing discount obligations and interest-bearing obligations payable on demand or on a specified
date not more than one year after the date of issuance thereof) that is rated in the highest rating category by the Rating Agency
at the time of such investment; and


 


(vi)        any
money market funds rated in one of the two highest rating categories by the Rating Agency for long-term unsecured debt with a
maturity of more than one year or in the highest rating category with respect to short-term obligations;


 


provided,
however, that no instrument or security shall be an Eligible Investment if such instrument or security evidences a right to receive
only interest payments with respect to the obligations underlying such instrument or if such security provides for payment of
both principal and interest with a yield to maturity in excess of 120% of the yield to maturity at par or if such instrument or
security is purchased at a price greater than par.


 


Opinion
of Counsel: A written opinion of counsel, who may be salaried counsel for the Person on behalf of whom the opinion is being
given, reasonably acceptable to each Person to whom such opinion is addressed, and which must be Independent outside counsel with
respect to any such opinion of counsel concerning the taxation or the federal income tax status of each REMIC.


 



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Principal
Forbearance Amount: With respect to a Mortgage Loan that was the subject of a Servicing Modification, the amount, if any,
of principal of the Mortgage Loan that has been deferred and that does not accrue interest.


 


Repurchase
Price: With respect to any Mortgage Loan, a price equal to (i) the unpaid principal balance of the Mortgage Loan, plus (ii) interest
on such unpaid principal balance at the related Mortgage Loan Remittance Rate from the last date through which interest was last
paid by or on behalf of the Mortgagor to the last day of the month in which such repurchase occurs, plus (iii) reasonable and
customary third party expenses incurred in connection with the transfer of the Mortgage Loan being repurchased, minus (iv) any
amounts received in respect of such repurchased Mortgage Loan and being held in the Custodial Account for future distribution
in connection with such Mortgage Loan; which Repurchase Price proceeds shall be deposited in the Custodial Account for withdrawal
by the Servicer in accordance with Subsection 11.05; provided, however, that if at the time of repurchase the Servicer is not
the Seller or an Affiliate of the Seller, the amount described in clause (ii) shall be computed as the sum of (a) the Mortgage
Loan Remittance Rate and (b) the Servicing Fee Rate.


 


Servicing
Fee Rate: With respect to each Mortgage Loan, the per annum rate set forth on the related Mortgage Loan Schedule or if not
specified thereon, in the related PPTL, which rate shall be increased by the amount of any increase in the Mortgage Interest Rate
for any such Mortgage Loan pursuant to the terms of the related Mortgage Note due to the termination of an automatic debit or
direct deposit account.


 


Securities
Administrator: Wells Fargo Bank, N.A., not in its individual capacity but solely as Securities Administrator under the Pooling
and Servicing Agreement, or any successor in interest, or if any successor Securities Administrator shall be appointed as provided
in the Pooling and Servicing Agreement, then such successor Securities Administrator.


 


Servicing
Modification: Any reduction of the Mortgage Interest Rate on or the outstanding principal balance of a Mortgage Loan, any
extension of the final maturity date of a Mortgage Loan, any increase to the outstanding principal balance of a Mortgage Loan
by adding to the Stated Principal Balance unpaid principal and interest and other amounts owing under the Mortgage Loan, any Principal
Forbearance Amount and any other modification, in each case pursuant to a modification of a Mortgage Loan that is in default or
for which, in the judgment of the Servicer, default is reasonably foreseeable in accordance with the Sale and Servicing Agreement.


 



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(b)          Servicing
Standard. In servicing the Mortgage Loans in accordance with this Agreement and Customary Servicing Procedures, the Servicer
shall service the Mortgage Loans with a view to the best interests of all holders of the Sequoia Mortgage Trust 2012-3 Mortgage
Pass-Through Certificates as a single class.


 


(c)          Segregated
Custodial Account. The Servicer shall establish a Custodial Account pursuant to Subsection 11.04 of the Sale and Servicing
Agreement which shall be titled “First Republic Bank, in trust for Christiana Trust, a division of Wilmington Savings Fund
Society, FSB, as trustee of the Sequoia Mortgage Trust 2012-3” (the “2012-3 Custodial Account”), which shall
be the Custodial Account under this Agreement for all purposes. If the 2012-3 Custodial Account is no longer an Eligible Account,
the Servicer shall transfer the 2012-3 Custodial Account to an account that is an Eligible Account. The 2012-3 Custodial Account
shall qualify as an Eligible Account. 


 


(d)          Determination
of Breach of Representations and Warranties. The following sentence shall be added as the new third sentence of Subsection
7.03(a):


 


Each
determination as to whether there has been such a breach shall be conducted on a Mortgage Loan-by-Mortgage Loan basis.


 


(e)          Transfer
of Eligible Investments. The following sentences shall be added at the end of the last paragraph of Subsection 11.04:


 


			Notwithstanding
                                                            anything to the contrary in this Agreement, for all Eligible Investments
                                                            rated at least "F1/A+"(short/long) that have terms greater
                                                            than 60 days, in the event of a downgrade of such Eligible Investment
                                                            below "F1" (or "A+" if no short term rating) Servicer
                                                            agrees to remove such Eligible Investment within 60 days of such downgrade.
                                                            Servicer acknowledges and agrees that Servicer shall bear any losses
                                                            incurred with respect to removal of such Eligible Investment following
                                                            such a downgrade and that any losses shall be immediately deposited
                                                            by the Servicer in the 2012-3 Custodial Account, as appropriate, out
                                                            of the Servicer’s own funds, with no right to reimbursement
                                                            therefor.



 



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(f)          Transfer
of Accounts. The second sentence of Subsection 11.09 shall be deleted and replaced in its entirety as follows:


 


Pursuant to Subsections
11.04 and 11.06, such transfer shall be made only with the Purchaser’s approval, which shall not unreasonably be withheld.


 


(g)          Form
of Monthly Report. The Servicer shall provide monthly accounting reports to the Purchaser and Master Servicer, pursuant to
Subsection 11.16 of the Sale and Servicing Agreement, with the information required by the monthly reporting format of the Master
Servicer as previously provided to the Servicer by Assignor. Such reports shall be provided not later than the fifth (5th)
Business Day of each calendar month.


 


(h)          Shorter
Cure Period for Failure to Provide Distribution Data. An additional “Event of Default” shall be listed in Subsection
13.01, to be inserted after clause (h), to read in its entirety as follows:


 


or
(i) Servicer shall fail to provide to Purchaser the data required to be provided pursuant to the first paragraph of Subsection
11.16 and such failure shall continue for three Business Days after notice of such failure has been given to Servicer by Purchaser;


 


(i)          Clean-up
Call. A new Section 33 shall be added to the Sale and Servicing Agreement, to read in its entirety as follows:


 


SECTION
33. Clean-up Call. In the event a Clean-up Call is exercised, the purchaser of the remaining Mortgage Loans (a) shall have
all right, title and interest in, to and under the Sale and Servicing Agreement to the extent relating to such Mortgage Loans
and (b) shall be bound as “Purchaser” under the Sale and Servicing Agreement from and after the date it exercises
the Clean-up Call. The remaining Mortgage Loans shall be serviced by the Bank for such purchaser in accordance with the terms
and conditions of the Sale and Servicing Agreement.         


 


(j)          REMIC
Provisions.


 


(i)          The
following definition of “REMIC Provisions” is hereby added to Section 1 of the Sale and Servicing Agreement:


 


REMIC
Provisions:Sections 860A through 860G of the Internal Revenue Code; such other provisions of the Code as relate to an
entity created thereunder; the regulations promulgated pursuant such sections and provisions of the Code; and published guidance
issued by the Internal Revenue Service relating to such Code sections and regulations.


 





(ii)         The
following paragraph shall be added to the end of Subsection 11.13, to read in its entirety as follows:


 



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If
a Mortgage Loan is held by a REMIC, the Servicer shall not acquire any real property (or personal property incident to such real
property) in respect of such Mortgage Loan except in connection with a default or imminent default of such Mortgage Loan. In the
event that a REMIC acquires any real property (or personal property incident to such real property) in connection with a default
or imminent default of a Mortgage Loan, such property shall be disposed of by the Servicer as soon as practicable in a manner
that, consistent with prudent mortgage loan servicing practices, maximizes the net present value of the recovery to the trust
formed pursuant to the Pooling and Servicing Agreement (the “Trust”), but in any event within three years after its
acquisition by such REMIC unless the Servicer provides to the Purchaser and the Securities Administrator an Opinion of Counsel
to the effect that the holding by such REMIC of such Mortgaged Property subsequent to three years after its acquisition will not
result in the imposition of taxes on “prohibited transactions” on such REMIC as defined in Section 860F of the Code
or under the law of any state in which real property securing a Mortgage Loan owned by such REMIC is located or cause such REMIC
to fail to qualify as a REMIC for federal income tax purposes or for state tax purposes under the laws of any state in which real
property securing a Mortgage Loan owned by such REMIC is located at any time that any mortgage pass-through certificates representing
interests in such REMIC are outstanding. The Servicer shall conserve, protect and operate each such property for such REMIC solely
for the purpose of its prompt disposition and sale in a manner which does not cause such property to fail to qualify as “foreclosure
property” within the meaning of Section 860G(a)(8) or result in the receipt by such REMIC of any “income from non-permitted
assets” within the meaning of Section 860F(a)(2)(B) of the Code or any “net income from foreclosure property”
which is subject to taxation under the REMIC Provisions. Pursuant to its efforts to sell such property, the Servicer shall either
itself or through an agent selected by the Servicer protect and conserve such property in the same manner and to such extent as
is customary in the locality where such property is located and may, incident to its conservation and protection of the assets
of the Trust, rent the same, or any part thereof, as the Servicer deems to be in the best interest of the Trust for the period
prior to the sale of such property. Additionally, the Servicer shall perform the tax withholding and 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 Purchaser and the Securities
Administrator 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.


 



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(iii)        The
following additional provisions shall be added after Subsection 11.23, to read in its entirety as follows:


 


Subsection
11.24 Compliance with REMIC Provisions. If a REMIC election has been made with respect to the arrangement under which the
Mortgage Loans and REO Property are held, the Servicer shall not take any action, cause the REMIC to take any action or fail to
take (or fail to cause to be taken) any action that, under the REMIC Provisions, if taken or not taken, as the case may be, could
(i) endanger the status of the REMIC as a REMIC or (ii) result in the imposition of a tax upon the 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 “contribution”
to a REMIC set forth in Section 860G(d) of the Code unless the Servicer has received an Opinion of Counsel (at the expense of
the party seeking to take such actions) to the effect that the contemplated action will not endanger such REMIC status or result
in the imposition of any such tax.


 


(k)          Avoidance
of Consolidation.


 


(i)          The
following Subsection 7.06 shall be added at the end of Section 7, to read in its entirety as follows:


 


Subsection
7.06 Avoidance of Consolidation.


 


			(a)          The
                                                        Servicer covenants and agrees that it shall not hold or purchase any certificate
                                                        (a “Certificate”) issued by the trust created by the Pooling
                                                        and Servicing Agreement (the “Trust”) if its holding or purchase
                                                        of such Certificate (or interest therein) would cause the Servicer to
                                                        be required to consolidate any assets of the Trust on its financial statements
                                                        under U.S. generally accepted accounting principles (“Consolidate”
                                                        or “Consolidation”). The Servicer shall be deemed to have
                                                        represented by virtue of its purchase or holding of such Certificate (or
                                                        interest therein) that its holding or purchase of such Certificate (or
                                                        interest therein) will not cause the Servicer to be required to Consolidate
                                                        any assets of the Trust on its financial statements.



 


			If
                                                        the Servicer's holding or purchase of a Certificate (or interest therein)
                                                        does in fact cause such Consolidation, then the last preceding transferee
                                                        that is not required to Consolidate shall be restored, to the extent permitted
                                                        by law, to all rights and obligations as owner of such Certificate retroactive
                                                        to the date of such transfer of such Certificate. If the Servicer holds
                                                        or purchases a Certificate (or interest therein) in violation of the restrictions
                                                        in this Subsection 7.06 and to the extent that the retroactive restoration
                                                        of the rights of the owner of such Certificate as described in the immediately
                                                        preceding sentence shall be invalid, illegal or unenforceable, then the
                                                        Securities Administrator shall have the right, without notice to the owner
                                                        or any prior owner of such Certificate, to sell such Certificate to a
                                                        purchaser selected by the Securities Administrator on such terms as the
                                                        Securities Administrator may choose. The Servicer shall promptly endorse
                                                        and deliver such Certificate (or otherwise transfer a book-entry Certificate)
                                                        in accordance with the instructions of the Securities Administrator. The
                                                        proceeds of such sale, net of the commissions (which may include commissions
                                                        payable to the Securities Administrator or its Affiliates), expenses and
                                                        taxes due, if any, shall be remitted by the Securities Administrator to
                                                        the Servicer. The terms and conditions of any sale under this Subsection
                                                        7.06 shall be determined in the sole discretion of the Securities Administrator,
                                                        and the Securities Administrator shall not be liable to any owner of a
                                                        Certificate as a result of its exercise of such discretion. The Servicer
                                                        shall indemnify and hold harmless the Depositor and the Trust from and
                                                        against any and all losses, liabilities, claims, costs or expenses incurred
                                                        by such parties as a result of such holding or purchase resulting in a
                                                        Consolidation.



 



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(b)          The
Servicer covenants and agrees that it shall not transfer its servicing rights and duties under this Agreement and the Sale and
Servicing Agreement to an insured depository institution, as such
term is defined in the Federal Deposit Insurance Act (an “IDI”) (an IDI in such capacity, an “IDI Servicer Transferee”)
unless the Purchaser and the Servicer shall have received a representation from the IDI Servicer Transferee that the acquisition
of such servicing rights and duties will not cause the IDI Servicer Transferee to be required to Consolidate any assets of the
Trust on its financial statements. Any IDI Servicer Transferee shall be deemed to have represented by virtue of its acquisition
of such servicing rights and duties that such acquisition will not cause Consolidation. Any IDI Servicer Transferee who acquires
such servicing rights and duties without providing the representation described above or whose acquisition of such servicing rights
and duties has required it to Consolidate any assets of the Trust on its financial statements shall indemnify and hold harmless
the Servicer, the Depositor and the Trust from and against any and all losses, liabilities, claims, costs or expenses incurred
by such parties as a result of such acquisition.


 


			(ii)
                                                        An additional “Event of Default” shall be listed in Subsection
                                                        13.01, to be inserted after clause (i) added in Section 14(f) of this
                                                        Agreement above, to read in its entirety as follows:



 


			or
                                                            (j)(A) the purchase or holding by the Servicer of any Certificate
                                                            such that the Servicer is required to Consolidate any assets of the
                                                            Trust on its financial statements, provided that such purchase or
                                                            holding of a Certificate shall not constitute an Event of Default
                                                            if, within 45 days of (1) the date of such purchase or acquisition
                                                            or (2) if such requirement to Consolidate is not effective on the
                                                            date of such purchase or acquisition, the date the Servicer becomes
                                                            aware of such requirement to Consolidate, the Servicer causes such
                                                            requirement to Consolidate not to apply; or (B) the failure of the
                                                            Servicer to obtain from an IDI Servicer Transferee the representation
                                                            described in Section 7.06(b) prior to the transfer to such IDI Servicer
                                                            Transferee of any servicing rights or duties.



 



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(l)          Foreclosure
Proceedings. The first sentence of Subsection 11.13 is hereby deleted and replaced in its entirety with the following:


 


Subject
to Subsection 11.02, in the event that title to the Mortgaged Property is acquired in foreclosure or by deed in lieu of foreclosure,
the deed or certificate of sale shall be taken in the name of the Trust, where permitted by applicable law or regulation, and
where not so permitted, in the name of the trustee of the Trust or its nominee.


 


(m)          Modification
Payment Plans and Foreclosure Approvals.


 


(i)          The
first sentence of the fifth paragraph of Subsection 11.01 is hereby deleted and replaced in its entirety with the following:


 


Consistent
with the terms of this Agreement, and subject to the REMIC Provisions if the Mortgage Loans have been transferred to a REMIC,
the Servicer may 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; provided, however, that the Servicer shall not enter
into any payment plan or agreement to modify payments with a Mortgagor lasting more than twelve (12) months or permit any
modification with respect to any Mortgage Loan that would change the Mortgage Interest Rate, the Lifetime Rate Cap (if applicable),
the Initial Rate Cap (if applicable), the Periodic Rate Cap (if applicable) or the Gross Margin (if applicable), agree to the
capitalization of arrearages, including interest, fees or expenses owed under the Mortgage Loan, make any future advances or extend
the final maturity date with respect to such Mortgage Loan (provided that the Servicer shall in no event extend the final maturity
date past July 25, 2042 or, if such 25th day is not a Business Day, the next succeeding Business Day), or accept substitute or
additional collateral or release any collateral for such Mortgage Loan, unless (1) the Mortgagor is in default with respect to
the Mortgage Loan, or such default is, in the judgment of the Servicer, imminent, (2) the modification is in accordance with the
customary procedures of the Servicer, which may change from time to time, or industry-accepted programs, and (3) the Purchaser
has approved such action.


 


(ii)         The
third sentence of the last paragraph of Subsection 11.01 is hereby deleted and replaced in its entirety with the following:


 


In
the event (a) the environmental inspection report indicates that the Mortgaged Property is contaminated by hazardous or toxic
substances or wastes and (b) the Purchaser provides written approval for the Servicer to proceed with foreclosure or acceptance
of a deed in lieu of foreclosure, the Servicer shall be reimbursed for all reasonable costs associated with such foreclosure or
acceptance of a deed in lieu of foreclosure and any related environmental clean up costs, as applicable, from the related Liquidation
Proceeds, or if the Liquidation Proceeds are insufficient fully to reimburse the Servicer, the Servicer shall be entitled to be
reimbursed from amounts in the Custodial Account pursuant to Subsection 11.05 hereof.


 



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(n)          Servicer
Reports. The Servicer shall provide monthly reports to the Purchaser pursuant to Subsection 11.16 of the Sale and Servicing
Agreement in the formats attached hereto as Exhibits 10 and 11, or in such other format as the Servicer, the Purchaser and the
Depositor shall agree in writing.


 


(o)          Assumption
Agreements. The first sentence of Subsection 11.18 is hereby deleted and replaced in its entirety with the following:


 


The
Servicer will use its best efforts to enforce any “due-on-sale” provision contained in any Mortgage or Mortgage Note;
provided that, subject to the Purchaser’s prior approval for the release of liability from the original borrower,
the Servicer shall permit such assumption if so required in accordance with the terms of the Mortgage or the Mortgage Note.


 


(p)          Indemnification
Expenses. The first sentence of Subsection 12.01(b) is hereby deleted and replaced in its entirety with the following:


 


The
Servicer shall immediately notify the Purchaser if a claim is made by a third party with respect to this Agreement or the Mortgage
Loans, and the Servicer shall assume the defense of any such claim and pay all expenses in connection therewith, including counsel
fees.


 


(q)          The
rights under the Purchase Agreement and the Sale and Servicing Agreement assigned to the Depositor and the Assignee pursuant to
this Agreement shall be under the Purchase Agreement and the Sale and Servicing Agreement as amended by this Agreement.


 


Miscellaneous


 


18.         All
demands, notices and communications related to the Mortgage Loans, the Sale and Servicing Agreement and this Agreement shall be
in writing and shall be deemed to have been duly given if personally delivered at or mailed by registered mail, postage prepaid,
as follows:


 


(a)          In
the case of the Bank,


 


First
Republic Bank


111
Pine Street


San
Francisco, CA 94111


Attention:
Tony Sachs


 



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with
a copy to the General Counsel at the same address


 


(b)          In
the case of Assignee,


 


Christiana
Trust, a division of Wilmington Savings Fund Society, FSB


500
Delaware Avenue, 11th Floor


Wilmington,
Delaware, 19801


Attention:
Corporate Trust


 


(c)          In
the case of Depositor,


 


Sequoia
Residential Funding, Inc.


One
Belvedere Place, Suite 360


Mill
Valley, California 94941


Attention:
William Moliski


 


with
a copy to


 


General
Counsel at the same address


 


(d)          In
the case of Assignor,


 


Redwood
Residential Acquisition Corporation


One
Belvedere Place, Suite 360


Mill
Valley, California 94941


Attention:
William Moliski


 


with
a copy to


 


General
Counsel at the same address


 


(e)          In
the case of Master Servicer,


 


Wells
Fargo Bank, N.A.


9062
Old Annapolis Road


Columbia,
Maryland 21045


Telephone
number: (410) 884-2000


Facsimile
number: (410) 715-2380


Attention:
Client Manager — Sequoia Mortgage Trust 2012-3


 


(f)          In
the case of the initial Controlling Holder,


 


Sequoia
Mortgage Funding Corporation


One
Belvedere Place, Suite 360


Mill
Valley, California 94941


 



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Attention:
William Moliski


 


with
a copy to


 


General
Counsel at the same address


 


19.         This
Agreement shall be construed in accordance with the laws of the State of New York, except to the extent preempted by Federal law,
and the obligations, rights and remedies of the parties hereunder shall be determined in accordance with such laws, without regard
to the conflicts of laws provisions of the State of New York or any other jurisdiction.


 


20.         No
term or provision of this Agreement may be waived or modified unless such waiver or modification is in writing and signed by the
party against whom such waiver or modification is sought to be enforced.


 


21.         This
Agreement shall inure to the benefit of the successors and assigns of the parties hereto. Any entity into which Assignor, Depositor,
Assignee or the Bank may be merged or consolidated shall, without the requirement for any further writing, be deemed Assignor,
Depositor, Assignee or the Bank, respectively, hereunder.


 


22.         This
Agreement shall survive the conveyance of the Mortgage Loans, the assignment of each of the Sale and Servicing Agreement to the
extent of the Attachment 1A Mortgage Loans and the assignment of the Purchase Agreement to the extent of the Attachment 1B Mortgage
Loans by Assignor to Depositor and by Depositor to Assignee, and the termination of each of the Sale and Servicing Agreement and
the Purchase Agreement.


 


23.         This
Agreement may be executed simultaneously in any number of counterparts. Each counterpart shall be deemed to be an original, and
all such counterparts shall constitute one and the same instrument.


 


24.
         The Controlling Holder under the Pooling and Servicing Agreement is an express
third party beneficiary of this Agreement, and shall have the same power and ability to exercise and enforce the rights stated
to be provided to it hereunder as if it were a signatory hereto. The Bank hereby consents to such exercise and enforcement.


 



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25.         It
is expressly understood and agreed by the parties hereto that insofar as this Agreement is executed by the Trustee (i) this Agreement
is executed and delivered by Christiana Trust, a division of Wilmington Savings Fund Society, FSB (“Christiana Trust”)
not in its individual capacity but solely as Trustee on behalf of the trust created by the Pooling and Servicing Agreement referred
to herein (the “Trust”) in the exercise of the powers and authority conferred upon and vested in it, and as directed
in the Pooling and Servicing Agreement, (ii) each of the undertakings and agreements herein made on behalf of the Trust is made
and intended not as a personal undertaking or agreement of or by Christiana Trust but is made and intended for purposes of binding
only the Trust, (iii) nothing herein contained shall be construed as creating any liability on the part of Christiana Trust, individually
or personally, to perform any covenant either express or implied in this Agreement, all such liability, if any, being expressly
waived by the parties hereto and by any person claiming by, through or under the parties hereto, and (iv) under no circumstances
shall Christiana Trust in its individual capacity or in its capacity as Trustee be personally liable for the payment of any indebtedness,
amounts or expenses owed by the Purchaser under the Sale and Servicing Agreement (such indebtedness, expenses and other amounts
being payable solely from and to the extent of funds of the Trust) or be personally liable for the breach or failure of any obligation,
representation, warranty or covenant made under this Agreement or any other related documents.


 


26.         Master
Servicer. The Bank hereby acknowledges that the Assignee has appointed Wells Fargo Bank, N.A. to act as master servicer and
securities administrator under the Pooling and Servicing Agreement and hereby agrees to treat all inquiries, demands, instructions,
authorizations and other communications from the Master Servicer as if the same had been received from the Assignee. The Master
Servicer, acting on behalf of the Assignee, shall have the rights of the Assignee as the Purchaser under this Agreement, including,
without limitation, the right to enforce the obligations of the Bank and the Servicer hereunder and under the Sale and Servicing
Agreement and the right to exercise the remedies of the Purchaser hereunder and under the Sale and Servicing Agreement, other
than the rights assumed by the Controlling Holder assumed under Section 13(a) above.


 


The
Bank shall make all remittances due by it to the Purchaser with respect to the Mortgage Loans to the following account by wire
transfer of immediately available funds:


 


Wells
Fargo Bank, N.A.


San
Francisco, California


ABA#
121-000-248


Account
#3970771416


Account
Name: SAS Clearing


FFC:
Account #48066700, Sequoia Mortgage Trust 2012-3 Distribution Account


 


27.         The
Bank acknowledges that the custodian will be Wells Fargo Bank, N.A. acting pursuant to the Custodial Agreement. Requests for Mortgage
Loan Documents required by the Bank to perform its duties under the Sale and Servicing Agreement shall be directed to Wells Fargo
Bank, N.A., as custodian, using the form of Request for Release in the form of Exhibit F hereto. The Bank shall provide the Custodian
with the specimen signatures of the Bank's authorized servicing representatives using the form in Exhibit D-3 hereto. Notwithstanding
Section 10 of the Sale and Servicing Agreement, the Bank shall pay shipping expenses for any Mortgage Loan Documents if there
has been a breach of any representation or warranty made with respect to the related Mortgage Loan in Subsection 7.01 of the Sale
and Servicing Agreement.


 



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28.         Helping
Families Act Notice. Assignor hereby requests that the Bank furnish each Mortgagor with the notice described in Subsection
6.04 of the Sale and Servicing Agreement, in the form attached as Exhibit 8 thereto and using Christiana Trust, a division of
Wilmington Savings Fund Society, FSB, as trustee of the Sequoia Mortgage Trust 2012-3 as the investor name, in accordance with
the terms of Subsection 6.04 therein, and the Bank hereby covenants that it shall furnish each Mortgagor with such notice as provided
therein.


 


29.         Rule
17g-5 Compliance. The Bank hereby agrees that it shall provide information with respect to the Mortgage Loans or the origination
or servicing thereof to any Rating Agency or nationally recognized statistical rating organization (“NRSRO”) via electronic
mail at rmbs17g5informationprovider@wellsfargo.com, with a subject reference of “SEMT 2012-3” and an identification
of the type of information being provided in the body of such electronic mail. The Securities Administrator, as the initial Rule
17g-5 Information Provider (the “Rule 17g-5 Information Provider”) shall notify the Bank in writing of any change
in the identity or contact information of the Rule 17g-5 Information Provider. The Bank shall have no liability for (i) the Rule
17g-5 Information Provider’s failure to post information provided by it in accordance with the terms of this Agreement or
(ii) any malfunction or disabling of the website maintained by the Rule 17g-5 Information Provider. None of the foregoing restrictions
in this Section 29 prohibit or restrict oral or written communications, or providing information, between the Bank, on the one
hand, and any Rating Agency or NRSRO, on the other hand, with regard to (i) such Rating Agency’s or NRSRO’s review
of the ratings it assigns to the Bank, (ii) such Rating Agency’s or NRSRO’s approval of the Bank as a residential
mortgage master, special or primary servicer, or (iii) such Rating Agency’s or NRSRO’s evaluation of the Bank’s
servicing operations in general; provided, however, that the Bank shall not provide any information relating to the Mortgage Loans
to such Rating Agency or NRSRO in connection with such review and evaluation by such Rating Agency or NRSRO unless: (x) borrower,
property or deal specific identifiers are redacted; or (y) such information has already been provided to the Rule 17g-5 Information
Provider.


 



    	25



    	 



    

 













 


IN
WITNESS WHEREOF, the parties hereto have executed this Agreement the day and year first above written.


 


	 	REDWOOD RESIDENTIAL ACQUISITION 

    CORPORATION
	 	Assignor
	 	 	 
	 	By:	/s/ John Isbrandtsen
	 	Name:    	John Isbrandtsen
	 	Title:	Authorized Officer


 


	 	SEQUOIA RESIDENTIAL FUNDING, INC.
	 	Depositor
	 	 	 
	 	By:	/s/ John Isbrandtsen
	 	Name:    	John Isbrandtsen
	 	Title:	Authorized Officer 
	 	 	 
	 	Christiana
                    Trust, a division of 

        Wilmington
        Savings Fund Society, FSB,

        not in its individual capacity
        but solely as Trustee,

	 	Assignee
	 	 	 
	 	By:	/s/ Jeffrey R. Everhart 
	 	Name:	Jeffrey R. Everhart 
	 	Title:	AVP 
	 	 	 
	 	FIRST REPUBLIC BANK
	 	 	 
	 	By:	/s/ Tony Sachs 
	 	Name:	Tony Sachs
	 	Title:	VP Lending Strategy, Products & Sales












 


	Accepted and agreed to by:
	 
	WELLS FARGO BANK, N.A.
	Master Servicer
	 
	By:	/s/ Graham M. Oglesby
	Name:	Graham M. Oglesby
	Title:	Vice President 


 


Signature
Page to Assignment, Assumption and Recognition Agreement – First Republic (SEMT 2012-3)



  



    	 



    	 



    

 


ATTACHMENT
1A


 


MORTGAGE
LOAN SCHEDULE


 





	 	1	2	3	4	5	6	7	8	9	10
	KEY	Primary Servicer	Servicing Fee %	Servicing
    Fee — Flatdollar	Servicing Advance Methodology	Originator	Loan Group	Loan Number	Amortization Type	Lien Position	HELOC Indicator
	1	1002338	0.002500	 	 	1002338	First Republic	993000014	1	1	0
	2	1002338	0.002500	 	 	1002338	First Republic	3000002931	1	1	0
	3	1002338	0.002500	 	 	1002338	First Republic	3000001420	1	1	0
	4	1002338	0.002500	 	 	1002338	First Republic	993000106	1	1	0
	5	1002338	0.002500	 	 	1002338	First Republic	3000002039	1	1	0
	6	1002338	0.002500	 	 	1002338	First Republic	3000003448	1	1	0
	7	1002338	0.002500	 	 	1002338	First Republic	3000002935	1	1	0
	8	1002338	0.002500	 	 	1002338	First Republic	3000002815	1	1	0
	9	1002338	0.002500	 	 	1002338	First Republic	3000002920	1	1	0
	10	1002338	0.002500	 	 	1002338	First Republic	3000004196	1	1	0
	11	1002338	0.002500	 	 	1002338	First Republic	3000002912	1	1	0
	12	1002338	0.002500	 	 	1002338	First Republic	3000002949	1	1	0
	13	1002338	0.002500	 	 	1002338	First Republic	3000002951	1	1	0
	14	1002338	0.002500	 	 	1002338	First Republic	3000002280	1	1	0
	15	1002338	0.002500	 	 	1002338	First Republic	3000002909	1	1	0
	16	1002338	0.002500	 	 	1002338	First Republic	3000002904	1	1	0
	17	1002338	0.002500	 	 	1002338	First Republic	3000002289	1	1	0
	18	1002338	0.002500	 	 	1002338	First Republic	3000002938	1	1	0
	19	1002338	0.002500	 	 	1002338	First Republic	3000002557	1	1	0
	20	1002338	0.002500	 	 	1002338	First Republic	3000002910	1	1	0
	21	1002338	0.002500	 	 	1002338	First Republic	3000002915	1	1	0
	22	1002338	0.002500	 	 	1002338	First Republic	3000002916	1	1	0
	23	1002338	0.002500	 	 	1002338	First Republic	3000002917	1	1	0
	24	1002338	0.002500	 	 	1002338	First Republic	3000002964	1	1	0
	25	1002338	0.002500	 	 	1002338	First Republic	3000002922	1	1	0
	26	1002338	0.002500	 	 	1002338	First Republic	3000002946	1	1	0
	27	1002338	0.002500	 	 	1002338	First Republic	3000002939	1	1	0
	28	1002338	0.002500	 	 	1002338	First Republic	3000003266	1	1	0
	29	1002338	0.002500	 	 	1002338	First Republic	3000002972	1	1	0
	30	1002338	0.002500	 	 	1002338	First Republic	3000002955	1	1	0
	31	1002338	0.002500	 	 	1002338	First Republic	3000002928	1	1	0
	32	1002338	0.002500	 	 	1002338	First Republic	3000002930	1	1	0
	33	1002338	0.002500	 	 	1002338	First Republic	3000002933	1	1	0
	34	1002338	0.002500	 	 	1002338	First Republic	3000002936	1	1	0
	35	1002338	0.002500	 	 	1002338	First Republic	3000003381	1	1	0
	36	1002338	0.002500	 	 	1002338	First Republic	3000002944	1	1	0
	37	1002338	0.002500	 	 	1002338	First Republic	3000002942	1	1	0
	38	1002338	0.002500	 	 	1002338	First Republic	3000002943	1	1	0
	39	1002338	0.002500	 	 	1002338	First Republic	3000003132	1	1	0
	40	1002338	0.002500	 	 	1002338	First Republic	3000002948	1	1	0
	41	1002338	0.002500	 	 	1002338	First Republic	3000002983	1	1	0
	42	1002338	0.002500	 	 	1002338	First Republic	3000002816	1	1	0
	43	1002338	0.002500	 	 	1002338	First Republic	3000002719	1	1	0
	44	1002338	0.002500	 	 	1002338	First Republic	3000002953	1	1	0
	45	1002338	0.002500	 	 	1002338	First Republic	3000002973	1	1	0
	46	1002338	0.002500	 	 	1002338	First Republic	3000002706	1	1	0
	47	1002338	0.002500	 	 	1002338	First Republic	3000003267	1	1	0
	48	1002338	0.002500	 	 	1002338	First Republic	3000003457	1	1	0
	49	1002338	0.002500	 	 	1002338	First Republic	3000002817	1	1	0
	50	1002338	0.002500	 	 	1002338	First Republic	3000002828	1	1	0
	51	1002338	0.002500	 	 	1002338	First Republic	3000003629	1	1	0
	52	1002338	0.002500	 	 	1002338	First Republic	3000002789	1	1	0
	53	1002338	0.002500	 	 	1002338	First Republic	3000003269	1	1	0
	54	1002338	0.002500	 	 	1002338	First Republic	3000003303	1	1	0
	55	1002338	0.002500	 	 	1002338	First Republic	3000003240	1	1	0
	56	1002338	0.002500	 	 	1002338	First Republic	3000003270	1	1	0
	57	1002338	0.002500	 	 	1002338	First Republic	3000003362	1	1	0
	58	1002338	0.002500	 	 	1002338	First Republic	3000003776	1	1	0
	59	1002338	0.002500	 	 	1002338	First Republic	3000003106	1	1	0
	60	1002338	0.002500	 	 	1002338	First Republic	3000003051	1	1	0
	61	1002338	0.002500	 	 	1002338	First Republic	3000003052	1	1	0
	62	1002338	0.002500	 	 	1002338	First Republic	3000003315	1	1	0
	63	1002338	0.002500	 	 	1002338	First Republic	3000003116	1	1	0
	64	1002338	0.002500	 	 	1002338	First Republic	3000003304	1	1	0
	65	1002338	0.002500	 	 	1002338	First Republic	3000003151	1	1	0
	66	1002338	0.002500	 	 	1002338	First Republic	3000004125	1	1	0
	67	1002338	0.002500	 	 	1002338	First Republic	3000003757	1	1	0
	68	1002338	0.002500	 	 	1002338	First Republic	3000003758	1	1	0
	69	1002338	0.002500	 	 	1002338	First Republic	3000003383	1	1	0
	70	1002338	0.002500	 	 	1002338	First Republic	3000003460	1	1	0
	71	1002338	0.002500	 	 	1002338	First Republic	3000003461	1	1	0
	72	1002338	0.002500	 	 	1002338	First Republic	3000003650	1	1	0
	73	1002338	0.002500	 	 	1002338	First Republic	3000003598	1	1	0
	74	1002338	0.002500	 	 	1002338	First Republic	3000003493	1	1	0
	75	1002338	0.002500	 	 	1002338	First Republic	3000003754	1	1	0
	76	1002338	0.002500	 	 	1002338	First Republic	3000003753	1	1	0
	77	1002338	0.002500	 	 	1002338	First Republic	3000003962	1	1	0
	78	1002338	0.002500	 	 	1002338	First Republic	3000004004	1	1	0
	79	1002338	0.002500	 	 	1002338	First Republic	3000004006	1	1	0




 





	 	11	12	13	14	15	16	17	18	19	20
	KEY	Loan Purpose	Cash Out Amount	Total Origination and Discount Points	Covered/High Cost Loan Indicator	Relocation Loan Indicator	Broker Indicator	Channel	Escrow Indicator	Senior Loan
 Amount(s)	Loan Type of Most
 Senior Lien
	1	3	 	 	 	 	 	1	0	0	 
	2	9	 	 	 	 	 	1	0	0	 
	3	9	 	 	 	 	 	1	0	0	 
	4	7	 	 	 	 	 	1	0	0	 
	5	9	 	 	 	 	 	1	0	0	 
	6	9	 	 	 	 	 	1	0	0	 
	7	7	 	 	 	 	 	1	0	0	 
	8	9	 	 	 	 	 	1	0	0	 
	9	3	 	 	 	 	 	1	0	0	 
	10	7	 	 	 	 	 	1	0	0	 
	11	3	 	 	 	 	 	1	0	0	 
	12	9	 	 	 	 	 	1	0	0	 
	13	9	 	 	 	 	 	1	0	0	 
	14	9	 	 	 	 	 	1	0	0	 
	15	3	 	 	 	 	 	1	0	0	 
	16	9	 	 	 	 	 	1	0	0	 
	17	9	 	 	 	 	 	1	0	0	 
	18	9	 	 	 	 	 	1	0	0	 
	19	7	 	 	 	 	 	1	0	0	 
	20	3	 	 	 	 	 	1	0	0	 
	21	9	 	 	 	 	 	1	0	0	 
	22	3	 	 	 	 	 	1	0	0	 
	23	9	 	 	 	 	 	1	0	0	 
	24	9	 	 	 	 	 	1	0	0	 
	25	9	 	 	 	 	 	1	0	0	 
	26	7	 	 	 	 	 	1	0	0	 
	27	9	 	 	 	 	 	1	0	0	 
	28	9	 	 	 	 	 	1	0	0	 
	29	7	 	 	 	 	 	1	0	0	 
	30	6	 	 	 	 	 	1	0	0	 
	31	9	 	 	 	 	 	1	0	0	 
	32	9	 	 	 	 	 	1	4	0	 
	33	9	 	 	 	 	 	1	0	0	 
	34	6	 	 	 	 	 	1	0	0	 
	35	7	 	 	 	 	 	1	0	0	 
	36	7	 	 	 	 	 	1	0	0	 
	37	9	 	 	 	 	 	1	0	0	 
	38	7	 	 	 	 	 	1	0	0	 
	39	7	 	 	 	 	 	1	0	0	 
	40	9	 	 	 	 	 	1	0	0	 
	41	7	 	 	 	 	 	1	0	0	 
	42	7	 	 	 	 	 	1	0	0	 
	43	9	 	 	 	 	 	1	0	0	 
	44	9	 	 	 	 	 	1	0	0	 
	45	3	 	 	 	 	 	1	0	0	 
	46	9	 	 	 	 	 	1	0	0	 
	47	3	 	 	 	 	 	1	0	0	 
	48	9	 	 	 	 	 	1	0	0	 
	49	9	 	 	 	 	 	1	0	0	 
	50	7	 	 	 	 	 	1	0	0	 
	51	9	 	 	 	 	 	1	0	0	 
	52	3	 	 	 	 	 	1	0	0	 
	53	7	 	 	 	 	 	1	0	0	 
	54	7	 	 	 	 	 	1	0	0	 
	55	7	 	 	 	 	 	1	0	0	 
	56	7	 	 	 	 	 	1	0	0	 
	57	9	 	 	 	 	 	1	0	0	 
	58	9	 	 	 	 	 	1	0	0	 
	59	7	 	 	 	 	 	1	4	0	 
	60	9	 	 	 	 	 	1	0	0	 
	61	6	 	 	 	 	 	1	0	0	 
	62	7	 	 	 	 	 	1	0	0	 
	63	9	 	 	 	 	 	1	0	0	 
	64	7	 	 	 	 	 	1	0	0	 
	65	6	 	 	 	 	 	1	0	0	 
	66	9	 	 	 	 	 	1	0	0	 
	67	7	 	 	 	 	 	1	0	0	 
	68	7	 	 	 	 	 	1	0	0	 
	69	7	 	 	 	 	 	1	0	0	 
	70	7	 	 	 	 	 	1	0	0	 
	71	9	 	 	 	 	 	1	0	0	 
	72	9	 	 	 	 	 	1	0	0	 
	73	6	 	 	 	 	 	1	0	0	 
	74	7	 	 	 	 	 	1	0	0	 
	75	7	 	 	 	 	 	1	0	0	 
	76	7	 	 	 	 	 	1	0	0	 
	77	3	 	 	 	 	 	1	0	0	 
	78	7	 	 	 	 	 	1	0	0	 
	79	7	 	 	 	 	 	1	4	0	 




 





	 	21	22	23	24	25	26	27	28	29	30
	KEY	Hybrid Period of
 Most Senior Lien (in
 months)	Neg Am Limit of
 Most Senior Lien	Junior Mortgage
 Balance	Origination Date of
 Most Senior Lien	Origination Date	Original Loan
 Amount	Original Interest
 Rate	Original
 Amortization Term	Original Term to
 Maturity	First Payment Date
 of Loan
	1	 	 	0.00	 	20110712	1625000.00	0.047000	360	360	20110901
	2	 	 	400000.00	 	20120302	800000.00	0.043500	360	360	20120501
	3	 	 	0.00	 	20111025	549000.00	0.045500	360	360	20120101
	4	 	 	0.00	 	20110924	1750000.00	0.041000	360	360	20111101
	5	 	 	0.00	 	20111208	783000.00	0.044000	360	360	20120201
	6	 	 	0.00	 	20120503	450000.00	0.046000	360	360	20120701
	7	 	 	0.00	 	20120227	1000000.00	0.040500	360	360	20120401
	8	 	 	0.00	 	20120330	544000.00	0.042000	360	360	20120601
	9	 	 	250000.00	 	20120207	1320000.00	0.043500	360	360	20120401
	10	 	 	0.00	 	20120507	1140000.00	0.044000	360	360	20120701
	11	 	 	250000.00	 	20120112	1500000.00	0.041000	360	360	20120401
	12	 	 	0.00	 	20120131	1000000.00	0.043000	360	360	20120401
	13	 	 	360000.00	 	20120201	1500000.00	0.041500	360	360	20120401
	14	 	 	237500.00	 	20120229	700000.00	0.048000	360	360	20120501
	15	 	 	0.00	 	20120214	2000000.00	0.041500	360	360	20120401
	16	 	 	135000.00	 	20120307	1995000.00	0.043000	360	360	20120501
	17	 	 	500000.00	 	20111229	850000.00	0.044500	360	360	20120301
	18	 	 	0.00	 	20120301	950000.00	0.041000	360	360	20120501
	19	 	 	0.00	 	20120130	924000.00	0.044000	360	360	20120301
	20	 	 	0.00	 	20120208	1480000.00	0.040500	360	360	20120401
	21	 	 	147500.00	 	20120213	1000000.00	0.043000	360	360	20120401
	22	 	 	0.00	 	20120319	700000.00	0.044500	360	360	20120501
	23	 	 	0.00	 	20120229	1115000.00	0.040500	360	360	20120501
	24	 	 	0.00	 	20120125	653000.00	0.042000	360	360	20120401
	25	 	 	0.00	 	20120119	1700000.00	0.041500	360	360	20120301
	26	 	 	0.00	 	20120201	671200.00	0.042000	360	360	20120401
	27	 	 	0.00	 	20120322	1000000.00	0.043500	360	360	20120501
	28	 	 	0.00	 	20120313	300000.00	0.044000	360	360	20120501
	29	 	 	0.00	 	20120301	1500000.00	0.044500	360	360	20120501
	30	 	 	0.00	 	20120302	884000.00	0.041000	360	360	20120501
	31	 	 	120000.00	 	20120206	1350000.00	0.041000	360	360	20120401
	32	 	 	0.00	 	20120217	568000.00	0.041500	360	360	20120401
	33	 	 	0.00	 	20120307	720000.00	0.043500	360	360	20120501
	34	 	 	0.00	 	20120217	524000.00	0.042500	360	360	20120401
	35	 	 	0.00	 	20120501	340000.00	0.044500	360	360	20120701
	36	 	 	0.00	 	20120323	705000.00	0.042500	360	360	20120501
	37	 	 	0.00	 	20120208	1280000.00	0.040000	360	360	20120401
	38	 	 	0.00	 	20120213	1052000.00	0.041000	360	360	20120401
	39	 	 	0.00	 	20120305	1948000.00	0.041500	360	360	20120501
	40	 	 	0.00	 	20120416	935000.00	0.040500	360	360	20120601
	41	 	 	0.00	 	20120214	594000.00	0.044000	360	360	20120401
	42	 	 	364000.00	 	20120313	1100000.00	0.042500	360	360	20120501
	43	 	 	0.00	 	20120314	1952000.00	0.043500	360	360	20120501
	44	 	 	100000.00	 	20120309	880000.00	0.041000	360	360	20120501
	45	 	 	0.00	 	20120402	417000.00	0.042500	360	360	20120601
	46	 	 	0.00	 	20120313	900000.00	0.042500	360	360	20120501
	47	 	 	750000.00	 	20120313	1000000.00	0.042500	360	360	20120501
	48	 	 	0.00	 	20120330	1000000.00	0.043750	360	360	20120601
	49	 	 	0.00	 	20120210	600000.00	0.045000	360	360	20120401
	50	 	 	0.00	 	20120214	1076400.00	0.043500	360	360	20120401
	51	 	 	0.00	 	20120405	1000000.00	0.044000	360	360	20120601
	52	 	 	0.00	 	20120319	1348100.00	0.045000	360	360	20120501
	53	 	 	0.00	 	20120316	1168000.00	0.042500	360	360	20120601
	54	 	 	0.00	 	20120514	899000.00	0.043500	360	360	20120701
	55	 	 	0.00	 	20120313	1000000.00	0.043000	360	360	20120501
	56	 	 	450000.00	 	20120309	645200.00	0.042500	360	360	20120501
	57	 	 	0.00	 	20120316	1129000.00	0.043000	360	360	20120501
	58	 	 	0.00	 	20120410	915000.00	0.044500	360	360	20120601
	59	 	 	100000.00	 	20120315	1350000.00	0.042000	360	360	20120501
	60	 	 	400000.00	 	20120315	990000.00	0.042000	360	360	20120501
	61	 	 	0.00	 	20120316	700000.00	0.043500	360	360	20120501
	62	 	 	0.00	 	20120309	1230000.00	0.045000	360	360	20120501
	63	 	 	0.00	 	20120413	900000.00	0.045000	360	360	20120601
	64	 	 	0.00	 	20120329	825000.00	0.044500	360	360	20120501
	65	 	 	0.00	 	20120503	1996000.00	0.041500	360	360	20120701
	66	 	 	500000.00	 	20120510	1004000.00	0.042500	360	360	20120701
	67	 	 	0.00	 	20120321	1148000.00	0.042000	360	360	20120601
	68	 	 	0.00	 	20120326	880000.00	0.041500	360	360	20120601
	69	 	 	720000.00	 	20120328	1100000.00	0.045000	360	360	20120601
	70	 	 	0.00	 	20120430	1020000.00	0.045000	360	360	20120601
	71	 	 	140500.00	 	20120423	977300.00	0.042500	360	360	20120601
	72	 	 	400000.00	 	20120418	1250000.00	0.043500	360	360	20120601
	73	 	 	0.00	 	20120405	832000.00	0.045500	360	360	20120601
	74	 	 	0.00	 	20120420	930000.00	0.046000	360	360	20120601
	75	 	 	0.00	 	20120417	1140000.00	0.042000	360	360	20120701
	76	 	 	0.00	 	20120419	1268000.00	0.043500	360	360	20120601
	77	 	 	0.00	 	20120510	575000.00	0.045500	360	360	20120701
	78	 	 	0.00	 	20120424	900000.00	0.041500	360	360	20120601
	79	 	 	0.00	 	20120504	679200.00	0.043000	360	360	20120701







 





	 	31	32	33	34	35	36	37	38	39	40
	KEY	Interest Type
 Indicator	Original Interest
 Only Term	Buy Down Period	HELOC Draw Period	Current Loan
 Amount	Current Interest
 Rate	Current Payment
 Amount Due	Interest Paid
 Through Date	Current Payment
 Status	Index Type
	1	1	0	0	0	1603999.65	0.047000	8427.86	20120601	0	0
	2	1	0	0	0	797831.08	0.043500	3982.49	20120601	0	0
	3	1	0	0	0	544660.56	0.045500	2798.04	20120601	0	0
	4	1	0	0	0	1729834.08	0.038500	8204.14	20120601	0	0
	5	1	0	0	0	777711.57	0.044000	3920.96	20120601	0	0
	6	1	120	0	0	450000.00	0.046000	1725.00	20120601	0	0
	7	1	0	0	0	995701.43	0.040500	4803.02	20120601	0	0
	8	1	0	0	0	543243.74	0.042000	2660.25	20120601	0	0
	9	1	0	0	0	1314622.20	0.043500	6571.12	20120601	0	0
	10	1	120	0	0	1140000.00	0.044000	4180.00	20120601	0	0
	11	1	0	0	0	1493609.28	0.041000	7247.98	20120601	0	0
	12	1	0	0	0	995889.14	0.043000	4948.71	20120601	0	0
	13	1	0	0	0	1493665.99	0.041500	7291.55	20120601	0	0
	14	1	0	0	0	698251.19	0.048000	3672.66	20120601	0	0
	15	1	0	0	0	1991554.65	0.041500	9722.07	20120601	0	0
	16	1	0	0	0	1989542.36	0.043000	9872.69	20120601	0	0
	17	1	0	0	0	845456.69	0.044500	4281.61	20120601	0	0
	18	1	0	0	0	947306.29	0.041000	4590.38	20120601	0	0
	19	1	0	0	0	918982.80	0.043500	4599.78	20120601	0	0
	20	1	0	0	0	1473638.14	0.040500	7108.47	20120601	0	0
	21	1	0	0	0	995889.14	0.043000	4948.71	20120601	0	0
	22	1	0	0	0	698136.13	0.044500	3526.03	20120601	0	0
	23	1	0	0	0	1111810.12	0.040500	5355.37	20120601	0	0
	24	1	120	0	0	653000.00	0.042000	2285.50	20120601	0	0
	25	1	0	0	0	1690412.03	0.041500	8263.76	20120601	0	0
	26	1	0	0	0	668390.92	0.042000	3282.28	20120601	0	0
	27	1	0	0	0	997288.85	0.043500	4978.12	20120601	0	0
	28	1	0	0	0	299193.94	0.044000	1502.28	20120601	0	0
	29	1	120	0	0	1500000.00	0.044500	5562.50	20120601	0	0
	30	1	0	0	0	881493.43	0.041000	4271.47	20120601	0	0
	31	1	0	0	0	1344248.35	0.041000	6523.18	20120601	0	0
	32	1	0	0	0	565601.51	0.041500	2761.07	20120601	0	0
	33	1	0	0	0	718047.97	0.043500	3584.24	20120601	0	0
	34	1	0	0	0	521826.51	0.042500	2577.77	20120601	0	0
	35	1	120	0	0	340000.00	0.044500	1260.83	20120601	0	0
	36	1	0	0	0	703053.95	0.042500	3468.18	20120601	0	0
	37	1	0	0	0	1274448.78	0.040000	6110.92	20120601	0	0
	38	1	0	0	0	1047517.97	0.041000	5083.25	20120601	0	0
	39	1	0	0	0	1942525.61	0.041500	9469.29	20120601	0	0
	40	1	0	0	0	933664.80	0.040500	4490.83	20120601	0	0
	41	1	0	0	0	591601.67	0.044000	2974.52	20120601	0	0
	42	1	0	0	0	1096963.62	0.042500	5411.34	20120601	0	0
	43	1	0	0	0	1946707.85	0.043500	9717.29	20120601	0	0
	44	1	0	0	0	877504.78	0.041000	4252.15	20120601	0	0
	45	1	120	0	0	417000.00	0.042500	1476.88	20120601	0	0
	46	1	0	0	0	897515.69	0.042500	4427.46	20120601	0	0
	47	1	0	0	0	997239.66	0.042500	4919.40	20120601	0	0
	48	1	120	0	0	1000000.00	0.043750	3645.83	20120601	0	0
	49	1	0	0	0	597620.74	0.045000	3040.11	20120601	0	0
	50	1	0	0	0	1072014.64	0.043500	5358.45	20120601	0	0
	51	1	0	0	0	998659.06	0.044000	5007.61	20120601	0	0
	52	1	120	0	0	1348100.00	0.045000	5055.38	20120601	0	0
	53	1	120	0	0	1168000.00	0.042500	4136.67	20120601	0	0
	54	1	0	0	0	899000.00	0.043500	4475.33	20120601	0	0
	55	1	120	0	0	1000000.00	0.043000	3583.33	20120601	0	0
	56	1	0	0	0	643419.02	0.042500	3174.00	20120601	0	0
	57	1	0	0	0	1125911.44	0.043000	5587.10	20120601	0	0
	58	1	0	0	0	913784.10	0.044500	4609.03	20120601	0	0
	59	1	120	0	0	1350000.00	0.042000	4725.00	20120601	0	0
	60	1	0	0	0	987242.62	0.042000	4841.27	20120601	0	0
	61	1	0	0	0	698102.19	0.043500	3484.68	20120601	0	0
	62	1	0	0	0	1226754.47	0.045000	6232.23	20120601	0	0
	63	1	0	0	0	898814.83	0.045000	4560.17	20120601	0	0
	64	1	0	0	0	822803.33	0.044500	4155.68	20120601	0	0
	65	1	0	0	0	1996000.00	0.041500	9702.62	20120601	0	0
	66	1	0	0	0	1004000.00	0.042500	4939.08	20120601	0	0
	67	1	0	0	0	1146404.08	0.042000	5613.92	20120601	0	0
	68	1	0	0	0	878765.62	0.041500	4277.71	20120601	0	0
	69	1	0	0	0	1098551.46	0.045000	5573.54	20120601	0	0
	70	1	120	0	0	1020000.00	0.045000	3825.00	20120601	0	0
	71	1	0	0	0	975953.54	0.042500	4807.73	20120601	0	0
	72	1	0	0	0	1248308.60	0.043500	6222.65	20120601	0	0
	73	1	0	0	0	830914.29	0.045500	4240.38	20120601	0	0
	74	1	0	0	0	928797.40	0.046000	4767.59	20120601	0	0
	75	1	0	0	0	1140000.00	0.042000	5574.80	20120601	0	0
	76	1	120	0	0	1268000.00	0.043500	4596.50	20120601	0	0
	77	1	120	0	0	575000.00	0.045500	2180.21	20120601	0	0
	78	1	0	0	0	898737.57	0.041500	4374.93	20120601	0	0
	79	1	0	0	0	679200.00	0.043000	3361.17	20120601	0	0







 





	 	41	42	43	44	45	46	47	48	49	50
	KEY	ARM Look-back
 Days	Gross Margin	ARM Round Flag	ARM Round Factor	Initial Fixed Rate
 Period	Initial Interest Rate
 Cap (Change Up)	Initial Interest Rate
 Cap (Change Down)	Subsequent Interest
 Rate Reset Period	Subsequent Interest
 Rate Cap (Change Down)	Subsequent Interest
 Rate Cap (Change
 Up)
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	78	 	 	 	 	 	 	 	 	 	 
	79	 	 	 	 	 	 	 	 	 	 







 





	 	51	52	53	54	55	56	57	58	59	60
	KEY	Lifetime Maximum
 Rate (Ceiling)	Lifetime Minimum
 Rate (Floor)	Negative
 Amortization Limit	Initial Negative
 Amortization Recast
 Period	Subsequent
 Negative
 Amortization Recast
 Period	Initial Fixed
 Payment Period	Subsequent
 Payment Reset
 Period	Initial Periodic
 Payment Cap	Subsequent
 Periodic Payment
 Cap	Initial Minimum
 Payment Reset
 Period
	1	 	 	 	 	 	 	 	 	 	 
	2	 	 	 	 	 	 	 	 	 	 
	3	 	 	 	 	 	 	 	 	 	 
	4	 	 	 	 	 	 	 	 	 	 
	5	 	 	 	 	 	 	 	 	 	 
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	78	 	 	 	 	 	 	 	 	 	 
	79	 	 	 	 	 	 	 	 	 	 







 





	 	61	62	63	64	65	66	67	68	69	70
	KEY	Subsequent
 Minimum Payment
 Reset Period	Option ARM
 Indicator	Options at Recast	Initial Minimum
 Payment	Current Minimum
 Payment	Prepayment Penalty
 Calculation	Prepayment Penalty
 Type	Prepayment Penalty
 Total Term	Prepayment Penalty
 Hard Term	Primary
    Borrower ID
	1	 	 	 	 	 	99	99	60	 	3
	2	 	 	 	 	 	99	99	60	 	232
	3	 	 	 	 	 	99	99	60	 	249
	4	 	 	 	 	 	99	99	60	 	89
	5	 	 	 	 	 	99	99	60	 	287
	6	 	 	 	 	 	99	99	60	 	61
	7	 	 	 	 	 	99	99	60	 	60
	8	 	 	 	 	 	99	99	60	 	100
	9	 	 	 	 	 	99	99	60	 	65
	10	 	 	 	 	 	99	99	60	 	326
	11	 	 	 	 	 	99	99	60	 	307
	12	 	 	 	 	 	99	99	60	 	59
	13	 	 	 	 	 	99	99	60	 	306
	14	 	 	 	 	 	 	 	0	 	226
	15	 	 	 	 	 	99	99	60	 	223
	16	 	 	 	 	 	99	99	60	 	43
	17	 	 	 	 	 	99	99	60	 	263
	18	 	 	 	 	 	99	99	60	 	31
	19	 	 	 	 	 	99	99	36	 	50
	20	 	 	 	 	 	99	99	60	 	303
	21	 	 	 	 	 	99	99	60	 	311
	22	 	 	 	 	 	99	99	60	 	18
	23	 	 	 	 	 	99	99	60	 	41
	24	 	 	 	 	 	99	99	60	 	278
	25	 	 	 	 	 	99	99	60	 	51
	26	 	 	 	 	 	99	99	60	 	255
	27	 	 	 	 	 	99	99	60	 	155
	28	 	 	 	 	 	99	99	60	 	30
	29	 	 	 	 	 	99	99	60	 	12
	30	 	 	 	 	 	99	99	60	 	26
	31	 	 	 	 	 	99	99	60	 	270
	32	 	 	 	 	 	99	99	60	 	5
	33	 	 	 	 	 	99	99	60	 	218
	34	 	 	 	 	 	99	99	60	 	6
	35	 	 	 	 	 	99	99	60	 	135
	36	 	 	 	 	 	99	99	60	 	220
	37	 	 	 	 	 	99	99	60	 	66
	38	 	 	 	 	 	99	99	60	 	157
	39	 	 	 	 	 	99	99	60	 	295
	40	 	 	 	 	 	99	99	60	 	36
	41	 	 	 	 	 	99	99	60	 	181
	42	 	 	 	 	 	99	99	60	 	45
	43	 	 	 	 	 	99	99	60	 	230
	44	 	 	 	 	 	99	99	60	 	190
	45	 	 	 	 	 	99	99	60	 	33
	46	 	 	 	 	 	99	99	60	 	182
	47	 	 	 	 	 	99	99	60	 	282
	48	 	 	 	 	 	99	99	60	 	10
	49	 	 	 	 	 	99	99	60	 	71
	50	 	 	 	 	 	99	99	36	 	251
	51	 	 	 	 	 	99	99	60	 	305
	52	 	 	 	 	 	99	99	60	 	229
	53	 	 	 	 	 	99	99	60	 	280
	54	 	 	 	 	 	99	99	60	 	327
	55	 	 	 	 	 	99	99	24	 	103
	56	 	 	 	 	 	99	99	60	 	257
	57	 	 	 	 	 	99	99	60	 	243
	58	 	 	 	 	 	99	99	60	 	246
	59	 	 	 	 	 	99	99	60	 	124
	60	 	 	 	 	 	99	99	60	 	58
	61	 	 	 	 	 	99	99	60	 	120
	62	 	 	 	 	 	99	99	60	 	272
	63	 	 	 	 	 	99	99	60	 	64
	64	 	 	 	 	 	99	99	60	 	159
	65	 	 	 	 	 	99	99	60	 	48
	66	 	 	 	 	 	99	99	60	 	328
	67	 	 	 	 	 	99	99	60	 	4
	68	 	 	 	 	 	99	99	60	 	233
	69	 	 	 	 	 	 	 	0	 	74
	70	 	 	 	 	 	99	99	60	 	269
	71	 	 	 	 	 	99	99	60	 	63
	72	 	 	 	 	 	99	99	60	 	209
	73	 	 	 	 	 	99	99	60	 	185
	74	 	 	 	 	 	99	99	60	 	14
	75	 	 	 	 	 	99	99	60	 	329
	76	 	 	 	 	 	99	99	60	 	227
	77	 	 	 	 	 	99	99	60	 	330
	78	 	 	 	 	 	99	99	60	 	39
	79	 	 	 	 	 	99	99	60	 	331







 





	 	71	72	73	74	75	76	77	78	79	80
	KEY	Number of
 Mortgaged
 Properties	Total Number of
 Borrowers	Self-
    employment
 Flag	Current ‘Other’
 Monthly Payment	Length of
 Employment:
 Borrower	Length of
 Employment: Co-Borrower	Years in Home	FICO Model Used	Most Recent FICO
 Date	Primary Wage
 Earner Original
 FICO: Equifax
	1	3	 	0	 	11	 	6	1	5/16/2012	 
	2	1	 	1	 	20	 	6	1	 	 
	3	5	 	1	 	33	 	26	1	5/16/2012	 
	4	2	 	0	 	1	0	0	1	5/16/2012	 
	5	5	 	0	 	99	2	24	1	5/16/2012	 
	6	1	 	0	 	10	 	8	1	 	 
	7	2	 	0	 	1	 	0	1	 	 
	8	3	 	0	 	40	 	5	1	 	 
	9	2	 	0	 	3	20	30	1	 	 
	10	9	 	1	 	30	30	0	1	 	 
	11	1	 	0	 	1	 	1	1	 	 
	12	1	 	0	 	3	 	4	1	 	 
	13	2	 	1	 	11	 	12	1	 	 
	14	1	 	0	 	28	 	2	1	 	 
	15	1	 	0	 	20	 	11	1	 	 
	16	2	 	0	 	4	 	4	1	 	 
	17	1	 	0	 	6	3	5	1	5/16/2012	 
	18	1	 	0	 	15	 	2	1	 	 
	19	1	 	0	 	8	 	0	1	 	 
	20	1	 	0	 	5	2	1	1	 	 
	21	1	 	0	 	5	11	1	1	 	 
	22	1	 	0	 	14	 	0.8	1	 	 
	23	3	 	1	 	16	27	6	1	 	 
	24	2	 	0	 	25	 	4	1	 	 
	25	1	 	0	 	10	0	0.75	1	 	 
	26	2	 	0	 	5	6	0	1	 	 
	27	1	 	0	 	5.6	5	5	1	 	 
	28	2	 	0	 	0	 	8	1	 	 
	29	4	 	1	 	4	7	0	1	 	 
	30	1	 	0	 	8	 	0	1	 	 
	31	1	 	0	 	12	8	1	1	 	 
	32	1	 	0	 	0	 	8	1	 	 
	33	4	 	1	 	40	5	11	1	 	 
	34	1	 	0	 	7	4	0	1	 	 
	35	1	 	0	 	10	 	0	1	 	 
	36	1	 	0	 	0	 	0	1	 	 
	37	1	 	0	 	10	1	6	1	 	 
	38	2	 	0	 	99	 	0	1	 	 
	39	2	 	0	 	30	 	0	1	 	 
	40	1	 	1	 	7	15	6	1	 	 
	41	1	 	0	 	10	6	0	1	 	 
	42	1	 	0	 	5	1	0	1	 	 
	43	4	 	1	 	99	 	2	1	 	 
	44	2	 	0	 	1	 	2	1	 	 
	45	1	 	0	 	5	 	9	1	 	 
	46	1	 	0	 	8	 	2	1	 	 
	47	2	 	0	 	12	 	10	1	 	 
	48	1	 	0	 	1	12	4	1	 	 
	49	1	 	0	 	0	 	14	1	 	 
	50	1	 	1	 	0	 	0	1	 	 
	51	2	 	0	 	7	6	1	1	 	 
	52	1	 	0	 	1	5	0.1	1	 	 
	53	3	 	0	 	4	 	0	1	 	 
	54	1	 	0	 	12	8	0	1	 	 
	55	1	 	0	 	5	5	0	1	 	 
	56	2	 	0	 	3	5	0	1	 	 
	57	2	 	0	 	9	 	6	1	 	 
	58	3	 	0	 	12	 	15	1	 	 
	59	1	 	0	 	18	 	0	1	 	 
	60	1	 	0	 	6	11	1	1	 	 
	61	1	 	0	 	0	 	0	1	 	 
	62	3	 	1	 	99	 	0	1	 	 
	63	1	 	0	 	18	20	14	1	 	 
	64	2	 	0	 	14	 	0	1	 	 
	65	1	 	0	 	3	 	0	1	 	 
	66	1	 	0	 	20	3	7	1	 	 
	67	1	 	1	 	4	 	0	1	 	 
	68	2	 	1	 	5	8	0	1	 	 
	69	2	 	0	 	12	3	0	1	 	 
	70	1	 	0	 	3	1	0	1	 	 
	71	1	 	0	 	5	2	2	1	 	 
	72	1	 	0	 	4	 	1	1	 	 
	73	1	 	1	 	8	 	0	1	 	 
	74	1	 	0	 	99	12	0	1	 	 
	75	2	 	0	 	9	24	0	1	 	 
	76	1	 	0	 	14	14	0	1	 	 
	77	2	 	0	 	17	 	18	1	 	 
	78	3	 	0	 	12	 	0	1	 	 
	79	2	 	0	 	3	 	0	1	 	 







 





	 	81	82	83	84	85	86	87	88	89	90
	KEY	Primary Wage
 Earner Original
 FICO: Experian	Primary Wage
 Earner Original
 FICO: TransUnion	Secondary Wage
 Earner Original
 FICO: Equifax	Secondary Wage
 Earner Original
 FICO: Experian	Secondary Wage
 Earner Original
 FICO: TransUnion	Original
 Primary Borrower
 FICO	Most Recent
 Primary Borrower
 FICO	Most Recent Co-
 Borrower FICO	Most Recent FICO
 Method	VantageScore:
 Primary Borrower
	1	 	 	 	 	 	762	778	 	 	 
	2	 	 	 	 	 	795	 	 	 	 
	3	 	 	 	 	 	776	761	 	 	 
	4	 	 	 	 	 	775	753	 	 	 
	5	 	 	 	 	 	812	786	 	 	 
	6	 	 	 	 	 	711	 	 	 	 
	7	 	 	 	 	 	729	 	 	 	 
	8	 	 	 	 	 	734	 	 	 	 
	9	 	 	 	 	 	717	 	 	 	 
	10	 	 	 	 	 	775	 	 	 	 
	11	 	 	 	 	 	735	 	 	 	 
	12	 	 	 	 	 	811	 	 	 	 
	13	 	 	 	 	 	672	 	 	 	 
	14	 	 	 	 	 	733	 	 	 	 
	15	 	 	 	 	 	809	 	 	 	 
	16	 	 	 	 	 	784	 	 	 	 
	17	 	 	 	 	 	737	789	 	 	 
	18	 	 	 	 	 	771	 	 	 	 
	19	 	 	 	 	 	725	 	 	 	 
	20	 	 	 	 	 	703	 	 	 	 
	21	 	 	 	 	 	760	 	 	 	 
	22	 	 	 	 	 	757	 	 	 	 
	23	 	 	 	 	 	724	 	 	 	 
	24	 	 	 	 	 	785	 	 	 	 
	25	 	 	 	 	 	732	 	 	 	 
	26	 	 	 	 	 	785	 	 	 	 
	27	 	 	 	 	 	763	 	 	 	 
	28	 	 	 	 	 	763	 	 	 	 
	29	 	 	 	 	 	796	 	 	 	 
	30	 	 	 	 	 	803	 	 	 	 
	31	 	 	 	 	 	789	 	 	 	 
	32	 	 	 	 	 	795	 	 	 	 
	33	 	 	 	 	 	744	 	 	 	 
	34	 	 	 	 	 	786	 	 	 	 
	35	 	 	 	 	 	798	 	 	 	 
	36	 	 	 	 	 	801	 	 	 	 
	37	 	 	 	 	 	775	 	 	 	 
	38	 	 	 	 	 	695	 	 	 	 
	39	 	 	 	 	 	768	 	 	 	 
	40	 	 	 	 	 	803	 	 	 	 
	41	 	 	 	 	 	727	 	 	 	 
	42	 	 	 	 	 	747	 	 	 	 
	43	 	 	 	 	 	804	 	 	 	 
	44	 	 	 	 	 	714	 	 	 	 
	45	 	 	 	 	 	705	 	 	 	 
	46	 	 	 	 	 	748	 	 	 	 
	47	 	 	 	 	 	714	 	 	 	 
	48	 	 	 	 	 	780	 	 	 	 
	49	 	 	 	 	 	790	 	 	 	 
	50	 	 	 	 	 	700	 	 	 	 
	51	 	 	 	 	 	736	 	 	 	 
	52	 	 	 	 	 	784	 	 	 	 
	53	 	 	 	 	 	768	 	 	 	 
	54	 	 	 	 	 	776	 	 	 	 
	55	 	 	 	 	 	755	 	 	 	 
	56	 	 	 	 	 	786	 	 	 	 
	57	 	 	 	 	 	798	 	 	 	 
	58	 	 	 	 	 	763	 	 	 	 
	59	 	 	 	 	 	787	 	 	 	 
	60	 	 	 	 	 	809	 	 	 	 
	61	 	 	 	 	 	807	 	 	 	 
	62	 	 	 	 	 	729	 	 	 	 
	63	 	 	 	 	 	764	 	 	 	 
	64	 	 	 	 	 	748	 	 	 	 
	65	 	 	 	 	 	754	 	 	 	 
	66	 	 	 	 	 	746	 	 	 	 
	67	 	 	 	 	 	783	 	 	 	 
	68	 	 	 	 	 	783	 	 	 	 
	69	 	 	 	 	 	791	 	 	 	 
	70	 	 	 	 	 	715	 	 	 	 
	71	 	 	 	 	 	788	 	 	 	 
	72	 	 	 	 	 	801	 	 	 	 
	73	 	 	 	 	 	763	 	 	 	 
	74	 	 	 	 	 	815	 	 	 	 
	75	 	 	 	 	 	762	 	 	 	 
	76	 	 	 	 	 	786	 	 	 	 
	77	 	 	 	 	 	741	 	 	 	 
	78	 	 	 	 	 	756	 	 	 	 
	79	 	 	 	 	 	791	 	 	 	 







 





	 	91	92	93	94	95	96	97	98	99	100
	KEY	VantageScore: Co-
 Borrower	Most Recent
 VantageScore
 Method	VantageScore Date	Credit Report:
 Longest Trade Line	Credit Report:
 Maximum Trade
 Line	Credit Report:
 Number of Trade
 Lines	Credit Line Usage
 Ratio	Most Recent 12-
 month Pay History	Months Bankruptcy	Months Foreclosure
	1	 	 	 	 	 	 	 	000000000000	 	 
	2	 	 	 	 	 	 	 	000000000000	 	 
	3	 	 	 	 	 	 	 	000000000000	 	 
	4	 	 	 	 	 	 	 	000000000000	 	 
	5	 	 	 	 	 	 	 	000000000000	 	 
	6	 	 	 	 	 	 	 	000000000000	 	 
	7	 	 	 	 	 	 	 	000000000000	 	 
	8	 	 	 	 	 	 	 	000000000000	 	 
	9	 	 	 	 	 	 	 	000000000000	 	 
	10	 	 	 	 	 	 	 	000000000000	 	 
	11	 	 	 	 	 	 	 	000000000000	 	 
	12	 	 	 	 	 	 	 	000000000000	 	 
	13	 	 	 	 	 	 	 	000000000000	 	 
	14	 	 	 	 	 	 	 	000000000000	 	 
	15	 	 	 	 	 	 	 	000000000000	 	 
	16	 	 	 	 	 	 	 	000000000000	 	 
	17	 	 	 	 	 	 	 	000000000000	 	 
	18	 	 	 	 	 	 	 	000000000000	 	 
	19	 	 	 	 	 	 	 	000000000000	 	 
	20	 	 	 	 	 	 	 	000000000000	 	 
	21	 	 	 	 	 	 	 	000000000000	 	 
	22	 	 	 	 	 	 	 	000000000000	 	 
	23	 	 	 	 	 	 	 	000000000000	 	 
	24	 	 	 	 	 	 	 	000000000000	 	 
	25	 	 	 	 	 	 	 	000000000000	 	 
	26	 	 	 	 	 	 	 	000000000000	 	 
	27	 	 	 	 	 	 	 	000000000000	 	 
	28	 	 	 	 	 	 	 	000000000000	 	 
	29	 	 	 	 	 	 	 	000000000000	 	 
	30	 	 	 	 	 	 	 	000000000000	 	 
	31	 	 	 	 	 	 	 	000000000000	 	 
	32	 	 	 	 	 	 	 	000000000000	 	 
	33	 	 	 	 	 	 	 	000000000000	 	 
	34	 	 	 	 	 	 	 	000000000000	 	 
	35	 	 	 	 	 	 	 	000000000000	 	 
	36	 	 	 	 	 	 	 	000000000000	 	 
	37	 	 	 	 	 	 	 	000000000000	 	 
	38	 	 	 	 	 	 	 	000000000000	 	 
	39	 	 	 	 	 	 	 	000000000000	 	 
	40	 	 	 	 	 	 	 	000000000000	 	 
	41	 	 	 	 	 	 	 	000000000000	 	 
	42	 	 	 	 	 	 	 	000000000000	 	 
	43	 	 	 	 	 	 	 	000000000000	 	 
	44	 	 	 	 	 	 	 	000000000000	 	 
	45	 	 	 	 	 	 	 	000000000000	 	 
	46	 	 	 	 	 	 	 	000000000000	 	 
	47	 	 	 	 	 	 	 	000000000000	 	 
	48	 	 	 	 	 	 	 	000000000000	 	 
	49	 	 	 	 	 	 	 	000000000000	 	 
	50	 	 	 	 	 	 	 	000000000000	 	 
	51	 	 	 	 	 	 	 	000000000000	 	 
	52	 	 	 	 	 	 	 	000000000000	 	 
	53	 	 	 	 	 	 	 	000000000000	 	 
	54	 	 	 	 	 	 	 	000000000000	 	 
	55	 	 	 	 	 	 	 	000000000000	 	 
	56	 	 	 	 	 	 	 	000000000000	 	 
	57	 	 	 	 	 	 	 	000000000000	 	 
	58	 	 	 	 	 	 	 	000000000000	 	 
	59	 	 	 	 	 	 	 	000000000000	 	 
	60	 	 	 	 	 	 	 	000000000000	 	 
	61	 	 	 	 	 	 	 	000000000000	 	 
	62	 	 	 	 	 	 	 	000000000000	 	 
	63	 	 	 	 	 	 	 	000000000000	 	 
	64	 	 	 	 	 	 	 	000000000000	 	 
	65	 	 	 	 	 	 	 	000000000000	 	 
	66	 	 	 	 	 	 	 	000000000000	 	 
	67	 	 	 	 	 	 	 	000000000000	 	 
	68	 	 	 	 	 	 	 	000000000000	 	 
	69	 	 	 	 	 	 	 	000000000000	 	 
	70	 	 	 	 	 	 	 	000000000000	 	 
	71	 	 	 	 	 	 	 	000000000000	 	 
	72	 	 	 	 	 	 	 	000000000000	 	 
	73	 	 	 	 	 	 	 	000000000000	 	 
	74	 	 	 	 	 	 	 	000000000000	 	 
	75	 	 	 	 	 	 	 	000000000000	 	 
	76	 	 	 	 	 	 	 	000000000000	 	 
	77	 	 	 	 	 	 	 	000000000000	 	 
	78	 	 	 	 	 	 	 	000000000000	 	 
	79	 	 	 	 	 	 	 	000000000000	 	 







 





	 	101	102	103	104	105	106	107	108	109	110
	KEY	Primary Borrower
 Wage Income	Co-Borrower Wage
 Income	Primary Borrower
 Other Income	Co-Borrower Other
 Income	All Borrower Wage
 Income	All Borrower Total
 Income	4506-T Indicator	Borrower Income
 Verification Level	Co-Borrower
 Income Verification	Borrower
 Employment
 Verification
	1	0.00	 	241275.59	 	0.00	241275.59	0	5	 	2
	2	0.00	 	32504.83	 	0.00	32504.83	0	4	 	2
	3	25546.00	0.00	4980.45	0.00	25546.00	30526.45	0	4	 	2
	4	57083.34	0.00	-3062.00	0.00	57083.34	54021.34	0	5	 	2
	5	0.00	0.00	9878.00	0.00	0.00	9878.00	0	5	 	2
	6	0.00	0.00	26583.00	0.00	0.00	26583.00	0	5	 	2
	7	30833.00	 	0.00	 	30833.00	30833.00	0	5	 	2
	8	0.00	0.00	9979.00	0.00	0.00	9979.00	0	5	 	2
	9	19230.77	29727.61	0.00	0.00	48958.38	48958.38	0	5	 	3
	10	0.00	0.00	25803.40	0.00	0.00	25803.40	0	4	 	2
	11	96986.00	 	2407.83	 	96986.00	99393.83	0	5	 	3
	12	50000.00	 	0.00	 	50000.00	50000.00	0	5	 	3
	13	40015.00	0.00	-110.00	0.00	40015.00	39905.00	0	4	 	3
	14	0.00	0.00	44855.35	0.00	0.00	44855.35	0	5	 	2
	15	0.00	0.00	30104.00	0.00	0.00	30104.00	0	5	 	3
	16	0.00	0.00	59637.17	0.00	0.00	59637.17	0	5	 	2
	17	15416.66	0.00	24375.00	0.00	15416.66	39791.66	0	5	 	3
	18	23001.00	0.00	0.00	0.00	23001.00	23001.00	0	5	 	3
	19	0.00	 	20833.00	 	0.00	20833.00	0	5	 	2
	20	17191.20	9500.02	0.00	0.00	26691.22	26691.22	0	5	 	3
	21	18147.78	1891.83	0.00	0.00	20039.61	20039.61	0	5	 	2
	22	0.00	 	13467.35	 	0.00	13467.35	0	5	 	2
	23	0.00	0.00	6648.67	34667.42	0.00	41316.09	0	4	 	2
	24	0.00	 	29314.26	 	0.00	29314.26	0	5	 	2
	25	33333.34	0.00	20000.00	0.00	33333.34	53333.34	0	5	 	3
	26	10953.26	10625.84	-1417.65	0.00	21579.10	20161.45	0	5	 	3
	27	0.00	0.00	11751.08	15833.34	0.00	27584.42	0	5	 	2
	28	6161.67	2311.16	1925.44	0.00	8472.83	10398.27	0	5	 	3
	29	0.00	0.00	23438.67	30000.00	0.00	53438.67	0	4	 	2
	30	0.00	 	24402.00	 	0.00	24402.00	0	5	 	2
	31	36000.00	0.00	0.00	0.00	36000.00	36000.00	0	5	 	3
	32	29166.67	0.00	0.00	0.00	29166.67	29166.67	0	5	 	3
	33	0.00	0.00	46657.66	2130.21	0.00	48787.87	0	4	 	2
	34	0.00	0.00	24612.92	0.00	0.00	24612.92	0	5	 	2
	35	7965.34	 	0.00	 	7965.34	7965.34	0	5	 	2
	36	0.00	 	17742.33	 	0.00	17742.33	0	5	 	2
	37	43352.00	12434.00	0.00	0.00	55786.00	55786.00	0	5	 	2
	38	0.00	 	36853.98	 	0.00	36853.98	0	5	 	2
	39	0.00	0.00	189584.00	0.00	0.00	189584.00	0	5	 	2
	40	0.00	0.00	19992.00	94969.00	0.00	114961.00	0	4	 	2
	41	11000.21	4551.89	0.00	0.00	15552.10	15552.10	0	5	 	3
	42	0.00	0.00	96434.75	0.00	0.00	96434.75	0	5	 	2
	43	0.00	0.00	23120.56	23037.92	0.00	46158.48	0	4	 	2
	44	19025.22	0.00	746.08	0.00	19025.22	19771.30	0	5	 	3
	45	0.00	0.00	20897.19	0.00	0.00	20897.19	0	5	 	2
	46	0.00	 	17153.06	 	0.00	17153.06	0	5	 	2
	47	4727.33	44144.00	-1459.00	0.00	48871.33	47412.33	0	5	 	3
	48	13333.33	0.00	19831.50	0.00	13333.33	33164.83	0	5	 	3
	49	0.00	 	10045.77	 	0.00	10045.77	0	5	 	2
	50	97361.00	 	0.00	 	97361.00	97361.00	0	4	 	3
	51	0.00	0.00	16666.67	13743.77	0.00	30410.44	0	5	 	2
	52	0.00	0.00	29318.35	0.00	0.00	29318.35	0	5	 	2
	53	18923.50	0.00	-510.00	0.00	18923.50	18413.50	0	5	 	3
	54	0.00	0.00	9441.40	18333.00	0.00	27774.40	0	5	 	2
	55	0.00	0.00	13750.00	10000.00	0.00	23750.00	0	5	 	2
	56	10416.00	6991.87	1816.00	0.00	17407.87	19223.87	0	5	 	3
	57	24847.87	0.00	-1945.00	0.00	24847.87	22902.87	0	5	 	3
	58	0.00	 	34259.75	 	0.00	34259.75	0	5	 	2
	59	0.00	0.00	41451.83	0.00	0.00	41451.83	0	5	 	2
	60	17085.34	17035.45	0.00	0.00	34120.79	34120.79	0	5	 	3
	61	17916.00	 	0.00	 	17916.00	17916.00	0	5	 	2
	62	0.00	 	32841.61	 	0.00	32841.61	0	4	 	2
	63	0.00	0.00	71482.00	0.00	0.00	71482.00	0	5	 	2
	64	0.00	 	190479.09	 	0.00	190479.09	0	5	 	2
	65	152092.37	 	0.00	 	152092.37	152092.37	0	5	 	2
	66	0.00	0.00	0.00	45115.84	0.00	45115.84	0	5	 	2
	67	0.00	0.00	10791.00	22389.00	0.00	33180.00	0	4	 	2
	68	20208.00	20194.00	0.00	0.00	40402.00	40402.00	0	4	 	2
	69	0.00	0.00	34247.00	4433.10	0.00	38680.10	0	5	 	2
	70	0.00	0.00	0.00	50000.00	0.00	50000.00	0	5	 	2
	71	0.00	0.00	47581.00	5028.00	0.00	52609.00	0	5	 	2
	72	166667.00	0.00	0.00	0.00	166667.00	166667.00	0	5	 	2
	73	0.00	0.00	21477.96	3583.33	0.00	25061.29	0	4	 	2
	74	31788.18	0.00	0.00	3274.16	31788.18	35062.34	0	5	 	3
	75	0.00	0.00	69713.00	5916.00	0.00	75629.00	0	5	 	2
	76	11715.77	9583.32	0.00	0.00	21299.09	21299.09	0	5	 	2
	77	0.00	0.00	89542.00	0.00	0.00	89542.00	0	5	 	2
	78	0.00	0.00	35715.68	0.00	0.00	35715.68	0	5	 	2
	79	14166.00	 	9846.79	 	14166.00	24012.79	0	5	 	3







 





	 	111	112	113	114	115	116	117	118	119	120
	KEY	Co-Borrower
 Employment
 Verification	Borrower Asset
 Verification	Co-Borrower Asset
 Verification	Liquid / Cash
 Reserves	Monthly Debt All
 Borrowers	Originator DTI	Fully Indexed Rate	Qualification
 Method	Percentage of Down
 Payment from
 Borrower Own
 Funds	City
	1	 	3	 	10221347.00	31032.63	0.1286	 	 	 	ATHERTON
	2	 	4	 	376727.29	10308.42	0.3171	 	 	 	PALISADES
	3	 	3	 	395168.62	10815.06	0.3543	 	 	0	MILL VALLEY
	4	 	3	 	1098451.15	13333.11	0.2468	 	 	100	SAN DIEGO
	5	 	3	 	3061319.59	4046.03	0.4096	 	 	 	GOLETA AREA
	6	 	4	 	596081.36	3390.00	0.1275	 	 	 	NEW YORK
	7	 	4	 	2591519.88	11781.69	0.3821	 	 	100	TENAFLY
	8	 	4	 	420514.55	4290.97	0.4300	 	 	 	Sonoma
	9	 	4	 	2309533.00	18183.09	0.3714	 	 	 	CHESTNUT HILL
	10	 	4	 	779984.74	7333.56	0.2842	 	 	0	LOS ANGELES
	11	 	4	 	1474123.62	10851.22	0.1092	 	 	 	HILLSBOROUGH
	12	 	3	 	1021279.85	6737.75	0.1348	 	 	 	LOS ANGELES
	13	 	4	 	1127376.58	16087.26	0.4031	 	 	 	SARATOGA
	14	 	4	 	730432.96	5594.90	0.1247	 	 	 	NAPA
	15	 	3	 	352004.27	11695.25	0.3885	 	 	 	SAN FRANCISCO
	16	 	4	 	112246.35	16632.33	0.2789	 	 	 	Los Angeles
	17	 	4	 	93634.97	9717.24	0.2442	 	 	 	MENLO PARK
	18	 	4	 	444625.22	8214.90	0.3572	 	 	 	Great Neck
	19	 	4	 	330186.27	6276.32	0.3013	 	 	100	BRONX
	20	 	3	 	1365460.90	9652.05	0.3616	 	 	 	LOS ALTOS HILLS
	21	 	4	 	494890.90	8792.96	0.4388	 	 	 	Los Altos
	22	 	4	 	138921.94	5781.52	0.4293	 	 	 	CONCORD
	23	 	4	 	2192097.23	11266.32	0.2727	 	 	 	GREAT NECK
	24	 	4	 	4375776.73	6973.01	0.2379	 	 	 	SAN FRANCISCO
	25	 	3	 	1846857.99	11872.96	0.2226	 	 	 	SAN ANSELMO
	26	 	3	 	497432.27	7612.74	0.3776	 	 	100	SAN CARLOS
	27	 	4	 	383049.00	6923.55	0.2510	 	 	 	NEW YORK
	28	 	4	 	958710.22	4662.39	0.4484	 	 	 	WEST ORANGE
	29	 	4	 	1434465.30	9026.65	0.1689	 	 	0	NEW YORK
	30	 	4	 	96008.67	7569.16	0.3102	 	 	100	NEW YORK
	31	 	3	 	252788.94	9903.89	0.2751	 	 	 	Menlo Park
	32	 	3	 	416201.03	5654.66	0.1939	 	 	 	WAYLAND
	33	 	4	 	1147887.55	10742.85	0.2202	 	 	 	Portland
	34	 	4	 	153411.62	3944.12	0.1602	 	 	100	MILTON
	35	 	3	 	93072.81	2333.34	0.2929	 	 	100	NEW YORK
	36	 	4	 	3642899.05	6744.60	0.3801	 	 	0	SAYVILLE
	37	 	4	 	939239.00	9441.06	0.1692	 	 	 	BURLINGAME
	38	 	4	 	240558.50	10702.17	0.2904	 	 	0	DANVILLE
	39	 	4	 	4984557.61	24700.90	0.1303	 	 	0	SAN FRANCISCO
	40	 	4	 	712956.22	4681.33	0.0407	 	 	 	Larchmont
	41	 	3	 	496188.29	4023.45	0.2587	 	 	100	SAN JOSE
	42	 	4	 	602775.86	11187.88	0.1160	 	 	0	NORWALK
	43	 	4	 	140301.54	16493.86	0.3573	 	 	 	Aptos
	44	 	3	 	452555.08	7400.89	0.3743	 	 	 	DANVILLE
	45	 	4	 	157349.85	5268.60	0.2521	 	 	 	BROOKLYN
	46	 	4	 	189131.60	5931.43	0.3458	 	 	 	BOULDER CREEK
	47	 	4	 	4194780.00	14257.55	0.3007	 	 	 	HILLSBOROUGH
	48	 	3	 	434862.64	5486.16	0.1654	 	 	 	COHASSET
	49	 	4	 	1787051.23	3969.18	0.3951	 	 	 	LONG BEACH
	50	 	3	 	7056275.80	7957.31	0.0817	 	 	100	LA JOLLA
	51	 	4	 	918750.71	8220.49	0.2703	 	 	 	LOS ANGELES
	52	 	4	 	502254.00	10793.49	0.3681	 	 	 	Los Angeles
	53	 	3	 	1397708.00	7029.85	0.3818	 	 	100	LOS ANGELES
	54	 	4	 	116838.42	5896.53	0.2123	 	 	0	BROOKLINE
	55	 	4	 	4510565.93	4965.84	0.2091	 	 	0	Menlo Park
	56	 	3	 	1103420.86	7254.86	0.3774	 	 	100	WASHINGTON
	57	 	3	 	453627.83	9190.44	0.4013	 	 	 	Rancho Palos Verdes
	58	 	4	 	1937105.54	16253.75	0.4744	 	 	 	NEWPORT BEACH
	59	 	4	 	1029302.48	8125.51	0.1960	 	 	0	LA JOLLA
	60	 	3	 	2335346.84	9950.78	0.2916	 	 	 	Piedmont
	61	 	4	 	269060.07	5688.53	0.3175	 	 	100	LEXINGTON
	62	 	4	 	3075438.45	14391.88	0.4382	 	 	0	San Diego
	63	 	4	 	333153.27	13614.10	0.1905	 	 	 	WENHAM
	64	 	4	 	2827979.34	17165.40	0.0901	 	 	0	STRATTON
	65	 	3	 	4022427.30	15255.32	0.1003	 	 	100	BROOKLYN
	66	 	4	 	6281099.58	11339.01	0.2513	 	 	 	NEWTON
	67	 	4	 	1205918.01	7366.39	0.2220	 	 	100	NEWPORT BEACH
	68	 	4	 	302027.82	11144.04	0.2758	 	 	0	STUDIO CITY
	69	 	4	 	306650.92	16058.47	0.4152	 	 	0	PALO ALTO
	70	 	4	 	362755.04	7372.60	0.1475	 	 	0	NEW CANAAN
	71	 	4	 	314651.82	8191.80	0.1557	 	 	 	BOSTON
	72	 	3	 	3081889.19	11899.02	0.0714	 	 	 	WESTPORT
	73	 	4	 	411667.34	7381.95	0.2946	 	 	0	LOS ANGELES
	74	 	3	 	1231360.70	7489.18	0.2136	 	 	100	PACIFIC GROVE
	75	 	4	 	734904.99	9848.11	0.1302	 	 	0	ENCINITAS
	76	 	3	 	437151.48	6992.96	0.3283	 	 	100	MOUNTAIN VIEW
	77	 	4	 	4346030.00	11346.05	0.1267	 	 	 	WASHINGTON DEPOT
	78	 	4	 	1084380.98	14610.78	0.4091	 	 	0	BERKELEY
	79	 	3	 	286686.42	6831.73	0.2845	 	 	100	BOSTON







 





	 	121	122	123	124	125	126	127	128	129	130
	KEY	State	Postal Code	Property Type	Occupancy	Sales Price	Original Appraised
 Property Value	Original Property
 Valuation Type	Original Property
 Valuation Date	Original Automated
 Valuation Model
 (AVM) Model Name	Original AVM
 Confidence Score
	1	CA	94027	1	1	 	5350000.00	3	20110606	 	 
	2	NY	10964	1	1	 	2250000.00	3	20111217	 	 
	3	CA	94941	13	3	 	915000.00	3	20111003	 	 
	4	CA	92037	1	1	2685000.00	2685000.00	3	20110914	 	 
	5	CA	93117	15	3	 	1375000.00	3	20111117	 	 
	6	NY	10025	2	1	 	1350000.00	3	20120126	 	 
	7	NJ	07670	1	1	1370000.00	1400000.00	3	20120111	 	 
	8	CA	95476	1	1	 	680000.00	3	20111122	 	 
	9	MA	02467	1	1	 	2400000.00	3	20111205	 	 
	10	CA	90024	1	1	1425000.00	1425000.00	3	20120419	 	 
	11	CA	94010	1	1	 	2500000.00	3	20111213	 	 
	12	CA	90036	1	1	 	1250000.00	3	20111207	 	 
	13	CA	95070	1	1	 	3100000.00	3	20111214	 	 
	14	CA	94558	1	1	 	1250000.00	3	20111209	 	 
	15	CA	94133	13	1	 	2550000.00	3	20111214	 	 
	16	CA	90068	1	1	 	2850000.00	3	20111215	 	 
	17	CA	94025	1	1	 	2600000.00	3	20111213	 	 
	18	NY	11023	1	1	 	2200000.00	3	20111222	 	 
	19	NY	10463	6	1	1155000.00	1155000.00	3	20111216	 	 
	20	CA	94022	1	1	 	2200000.00	3	20120125	 	 
	21	CA	94024	1	1	 	1530000.00	3	20120126	 	 
	22	MA	01742	1	1	 	1187500.00	3	20120210	 	 
	23	NY	11023	1	1	 	2050000.00	3	20120117	 	 
	24	CA	94115	2	1	 	2350000.00	3	20120103	 	 
	25	CA	94960	1	1	 	2150000.00	3	20111223	 	 
	26	CA	94070	6	1	839000.00	839000.00	3	20120118	 	 
	27	NY	10038	4	1	 	1400000.00	3	20120130	 	 
	28	NJ	07052	3	2	 	425000.00	3	20120112	 	 
	29	NY	10128	1	1	3357500.00	3500000.00	3	20120119	 	 
	30	NY	10011	4	1	1105000.00	1120000.00	3	20120103	 	 
	31	CA	94025	1	1	 	2325000.00	3	20120106	 	 
	32	MA	01778	1	1	 	710000.00	3	20120119	 	 
	33	OR	97219	1	1	 	1260000.00	3	20120224	 	 
	34	MA	02186	1	1	655000.00	655000.00	3	20120116	 	 
	35	NY	10003	2	1	425000.00	430000.00	3	20120229	 	 
	36	NY	11782	1	2	940000.00	940000.00	3	20120203	 	 
	37	CA	94010	1	1	 	2000000.00	3	20120118	 	 
	38	CA	94526	1	1	1315000.00	1315000.00	3	20120119	 	 
	39	CA	94105	4	1	2515000.00	2515000.00	3	20120222	 	 
	40	NY	10538	1	1	 	2100000.00	3	20120220	 	 
	41	CA	95125	1	1	742500.00	743000.00	3	20120203	 	 
	42	CT	06853	1	1	1830000.00	2075000.00	3	20120130	 	 
	43	CA	95003	1	2	 	3200000.00	3	20120210	 	 
	44	CA	94506	7	1	 	1300000.00	3	20120214	 	 
	45	NY	11228	1	1	 	655000.00	3	20120207	 	 
	46	CA	95006	1	1	 	1200000.00	3	20120203	 	 
	47	CA	94010	1	1	 	3900000.00	3	20120210	 	 
	48	MA	02025	1	1	 	1300000.00	3	20120203	 	 
	49	CA	90807	1	1	 	915000.00	3	20120201	 	 
	50	CA	92037	1	1	1345500.00	1345500.00	3	20120202	 	 
	51	CA	90036	1	1	 	2150000.00	3	20120206	 	 
	52	CA	90034	1	1	 	1839000.00	3	20111215	 	 
	53	CA	90035	7	1	1460000.00	1460000.00	3	20120211	 	 
	54	MA	02445	3	1	1299000.00	1300000.00	3	20120228	 	 
	55	CA	94025	1	1	2499000.00	2499000.00	3	20120222	 	 
	56	DC	20008	1	1	1369000.00	1370000.00	3	20120221	 	 
	57	CA	90275	1	1	 	1550000.00	3	20120224	 	 
	58	CA	92663	1	1	 	2300000.00	3	20120323	 	 
	59	CA	92037	1	1	1950000.00	1950000.00	3	20120221	 	 
	60	CA	94611	1	1	 	2100000.00	3	20120228	 	 
	61	MA	02420	1	1	875000.00	885000.00	3	20120224	 	 
	62	CA	92106	1	3	2050000.00	2050000.00	3	20120224	 	 
	63	MA	01984	1	1	 	1200000.00	3	20120307	 	 
	64	VT	05360	3	2	1100000.00	1100000.00	3	20120302	 	 
	65	NY	11249	4	1	2495000.00	2500000.00	3	20120307	 	 
	66	MA	02465	1	1	 	3300000.00	3	20120406	 	 
	67	CA	92625	6	1	1435000.00	1435000.00	3	20120314	 	 
	68	CA	91604	1	1	1100000.00	1100000.00	3	20120313	 	 
	69	CA	94306	1	1	2425000.00	2275000.00	3	20120315	 	 
	70	CT	06840	1	1	1275000.00	1275000.00	3	20120321	 	 
	71	MA	02116	4	1	 	1750000.00	3	20120404	 	 
	72	CT	06880	1	1	 	2450000.00	3	20120327	 	 
	73	CA	90064	1	1	1040000.00	1350000.00	3	20120322	 	 
	74	CA	93950	1	2	1240000.00	1240000.00	3	20120323	 	 
	75	CA	92007	1	1	1425000.00	1425000.00	3	20120322	 	 
	76	CA	94040	1	1	1585000.00	1585000.00	3	20120402	 	 
	77	CT	06794	1	1	 	1300000.00	3	20120413	 	 
	78	CA	94705	1	1	1502000.00	1500000.00	3	20120411	 	 
	79	MA	02118	3	1	849000.00	850000.00	3	20120419	 	 







 





	 	131	132	133	134	135	136	137	138	139	140
	KEY	Most Recent
 Property Value2	Most Recent
 Property Valuation
 Type	Most Recent
 Property Valuation
 Date	Most Recent AVM
 Model Name	Most Recent AVM
 Confidence Score	Original CLTV	Original LTV	Original Pledged
 Assets	Mortgage Insurance
 Company Name	Mortgage Insurance
 Percent
	1	 	 	 	 	 	0.3037	0.3037	0	0	0
	2	 	 	 	 	 	0.5333	0.3555	0	0	0
	3	 	 	 	 	 	0.6000	0.6000	0	0	0
	4	 	 	 	 	 	0.6517	0.6517	0	0	0
	5	 	 	 	 	 	0.5694	0.5694	0	0	0
	6	 	 	 	 	 	0.3333	0.3333	0	0	0
	7	 	 	 	 	 	0.7299	0.7299	0	0	0
	8	 	 	 	 	 	0.8000	0.8000	0	0	0
	9	 	 	 	 	 	0.6541	0.5500	0	0	0
	10	 	 	 	 	 	0.8000	0.8000	0	0	0
	11	 	 	 	 	 	0.7000	0.6000	0	0	0
	12	 	 	 	 	 	0.8000	0.8000	0	0	0
	13	 	 	 	 	 	0.6000	0.4838	0	0	0
	14	 	 	 	 	 	0.7500	0.5600	0	0	0
	15	 	 	 	 	 	0.7843	0.7843	0	0	0
	16	 	 	 	 	 	0.7473	0.7000	0	0	0
	17	 	 	 	 	 	0.5192	0.3269	0	0	0
	18	 	 	 	 	 	0.4318	0.4318	0	0	0
	19	 	 	 	 	 	0.8000	0.8000	0	0	0
	20	 	 	 	 	 	0.6727	0.6727	0	0	0
	21	 	 	 	 	 	0.7500	0.6535	0	0	0
	22	 	 	 	 	 	0.5894	0.5894	0	0	0
	23	 	 	 	 	 	0.5439	0.5439	0	0	0
	24	 	 	 	 	 	0.2778	0.2778	0	0	0
	25	 	 	 	 	 	0.7906	0.7906	0	0	0
	26	 	 	 	 	 	0.8000	0.8000	0	0	0
	27	 	 	 	 	 	0.7142	0.7142	0	0	0
	28	 	 	 	 	 	0.7058	0.7058	0	0	0
	29	 	 	 	 	 	0.4467	0.4467	0	0	0
	30	 	 	 	 	 	0.8000	0.8000	0	0	0
	31	 	 	 	 	 	0.6322	0.5806	0	0	0
	32	 	 	 	 	 	0.8000	0.8000	0	0	0
	33	 	 	 	 	 	0.5714	0.5714	0	0	0
	34	 	 	 	 	 	0.8000	0.8000	0	0	0
	35	 	 	 	 	 	0.8000	0.8000	0	0	0
	36	 	 	 	 	 	0.7500	0.7500	0	0	0
	37	 	 	 	 	 	0.6400	0.6400	0	0	0
	38	 	 	 	 	 	0.8000	0.8000	0	0	0
	39	 	 	 	 	 	0.7745	0.7745	0	0	0
	40	 	 	 	 	 	0.4452	0.4452	0	0	0
	41	 	 	 	 	 	0.8000	0.8000	0	0	0
	42	 	 	 	 	 	0.8000	0.6010	0	0	0
	43	 	 	 	 	 	0.6100	0.6100	0	0	0
	44	 	 	 	 	 	0.7538	0.6769	0	0	0
	45	 	 	 	 	 	0.6366	0.6366	0	0	0
	46	 	 	 	 	 	0.7500	0.7500	0	0	0
	47	 	 	 	 	 	0.4487	0.2564	0	0	0
	48	 	 	 	 	 	0.7692	0.7692	0	0	0
	49	 	 	 	 	 	0.6557	0.6557	0	0	0
	50	 	 	 	 	 	0.8000	0.8000	0	0	0
	51	 	 	 	 	 	0.4651	0.4651	0	0	0
	52	 	 	 	 	 	0.7330	0.7330	0	0	0
	53	 	 	 	 	 	0.8000	0.8000	0	0	0
	54	 	 	 	 	 	0.6920	0.6920	0	0	0
	55	 	 	 	 	 	0.4001	0.4001	0	0	0
	56	 	 	 	 	 	0.8000	0.4712	0	0	0
	57	 	 	 	 	 	0.7283	0.7283	0	0	0
	58	 	 	 	 	 	0.3978	0.3978	0	0	0
	59	 	 	 	 	 	0.7435	0.6923	0	0	0
	60	 	 	 	 	 	0.6619	0.4714	0	0	0
	61	 	 	 	 	 	0.8000	0.8000	0	0	0
	62	 	 	 	 	 	0.6000	0.6000	0	0	0
	63	 	 	 	 	 	0.7500	0.7500	0	0	0
	64	 	 	 	 	 	0.7500	0.7500	0	0	0
	65	 	 	 	 	 	0.8000	0.8000	0	0	0
	66	 	 	 	 	 	0.4557	0.3042	0	0	0
	67	 	 	 	 	 	0.8000	0.8000	0	0	0
	68	 	 	 	 	 	0.8000	0.8000	0	0	0
	69	 	 	 	 	 	0.8000	0.4835	0	0	0
	70	 	 	 	 	 	0.8000	0.8000	0	0	0
	71	 	 	 	 	 	0.6387	0.5584	0	0	0
	72	 	 	 	 	 	0.6734	0.5102	0	0	0
	73	 	 	 	 	 	0.8000	0.8000	0	0	0
	74	 	 	 	 	 	0.7500	0.7500	0	0	0
	75	 	 	 	 	 	0.8000	0.8000	0	0	0
	76	 	 	 	 	 	0.8000	0.8000	0	0	0
	77	 	 	 	 	 	0.4423	0.4423	0	0	0
	78	 	 	 	 	 	0.6000	0.6000	0	0	0
	79	 	 	 	 	 	0.8000	0.8000	0	0	0







 





	 	141	142	143	144	145	146	147	148	149	150
	KEY	MI: Lender or
 Borrower Paid?	Pool Insurance Co.
 Name	Pool Insurance Stop
 Loss %	MI Certificate
 Number	Updated DTI
 (Front-end)	Updated DTI
 (Back-end)	Modification
 Effective Payment
 Date	Total Capitalized
 Amount	Total Deferred
 Amount	Pre-Modification
 Interest (Note) Rate
	1	 	 	 	 	 	 	 	 	 	 
	2	 	 	 	 	 	 	 	 	 	 
	3	 	 	 	 	 	 	 	 	 	 
	4	 	 	 	 	 	 	4/27/2012	0	0	0.041
	5	 	 	 	 	 	 	 	 	 	 
	6	 	 	 	 	 	 	 	 	 	 
	7	 	 	 	 	 	 	 	 	 	 
	8	 	 	 	 	 	 	 	 	 	 
	9	 	 	 	 	 	 	 	 	 	 
	10	 	 	 	 	 	 	 	 	 	 
	11	 	 	 	 	 	 	 	 	 	 
	12	 	 	 	 	 	 	 	 	 	 
	13	 	 	 	 	 	 	 	 	 	 
	14	 	 	 	 	 	 	 	 	 	 
	15	 	 	 	 	 	 	 	 	 	 
	16	 	 	 	 	 	 	 	 	 	 
	17	 	 	 	 	 	 	 	 	 	 
	18	 	 	 	 	 	 	 	 	 	 
	19	 	 	 	 	 	 	2/24/2012	0	0	0.044
	20	 	 	 	 	 	 	 	 	 	 
	21	 	 	 	 	 	 	 	 	 	 
	22	 	 	 	 	 	 	 	 	 	 
	23	 	 	 	 	 	 	 	 	 	 
	24	 	 	 	 	 	 	 	 	 	 
	25	 	 	 	 	 	 	 	 	 	 
	26	 	 	 	 	 	 	 	 	 	 
	27	 	 	 	 	 	 	 	 	 	 
	28	 	 	 	 	 	 	 	 	 	 
	29	 	 	 	 	 	 	 	 	 	 
	30	 	 	 	 	 	 	 	 	 	 
	31	 	 	 	 	 	 	 	 	 	 
	32	 	 	 	 	 	 	 	 	 	 
	33	 	 	 	 	 	 	 	 	 	 
	34	 	 	 	 	 	 	 	 	 	 
	35	 	 	 	 	 	 	 	 	 	 
	36	 	 	 	 	 	 	 	 	 	 
	37	 	 	 	 	 	 	 	 	 	 
	38	 	 	 	 	 	 	 	 	 	 
	39	 	 	 	 	 	 	 	 	 	 
	40	 	 	 	 	 	 	 	 	 	 
	41	 	 	 	 	 	 	 	 	 	 
	42	 	 	 	 	 	 	 	 	 	 
	43	 	 	 	 	 	 	 	 	 	 
	44	 	 	 	 	 	 	 	 	 	 
	45	 	 	 	 	 	 	 	 	 	 
	46	 	 	 	 	 	 	 	 	 	 
	47	 	 	 	 	 	 	 	 	 	 
	48	 	 	 	 	 	 	 	 	 	 
	49	 	 	 	 	 	 	 	 	 	 
	50	 	 	 	 	 	 	 	 	 	 
	51	 	 	 	 	 	 	 	 	 	 
	52	 	 	 	 	 	 	 	 	 	 
	53	 	 	 	 	 	 	 	 	 	 
	54	 	 	 	 	 	 	 	 	 	 
	55	 	 	 	 	 	 	 	 	 	 
	56	 	 	 	 	 	 	 	 	 	 
	57	 	 	 	 	 	 	 	 	 	 
	58	 	 	 	 	 	 	 	 	 	 
	59	 	 	 	 	 	 	 	 	 	 
	60	 	 	 	 	 	 	 	 	 	 
	61	 	 	 	 	 	 	 	 	 	 
	62	 	 	 	 	 	 	 	 	 	 
	63	 	 	 	 	 	 	 	 	 	 
	64	 	 	 	 	 	 	 	 	 	 
	65	 	 	 	 	 	 	 	 	 	 
	66	 	 	 	 	 	 	 	 	 	 
	67	 	 	 	 	 	 	 	 	 	 
	68	 	 	 	 	 	 	 	 	 	 
	69	 	 	 	 	 	 	 	 	 	 
	70	 	 	 	 	 	 	 	 	 	 
	71	 	 	 	 	 	 	 	 	 	 
	72	 	 	 	 	 	 	 	 	 	 
	73	 	 	 	 	 	 	 	 	 	 
	74	 	 	 	 	 	 	 	 	 	 
	75	 	 	 	 	 	 	 	 	 	 
	76	 	 	 	 	 	 	 	 	 	 
	77	 	 	 	 	 	 	 	 	 	 
	78	 	 	 	 	 	 	 	 	 	 
	79	 	 	 	 	 	 	 	 	 	 







 





	 	151	152	153	154	155	156	157	158	159	160
	KEY	Pre-Modification P&I
 Payment	Pre-Modification
 Initial Interest Rate
 Change Downward
 Cap	Pre-Modification
 Subsequent Interest
 Rate Cap	Pre-Modification
 Next Interest Rate
 Change Date	Pre-Modification I/O
 Term	Forgiven Principal
 Amount	Forgiven Interest
 Amount	Number of
 Modifications	Cash To/From Brrw at Closing	Brrw - Yrs at in Industry
	1	 	 	 	 	 	 	 	 	25553.83	11
	2	 	 	 	 	 	 	 	 	1720.47	20
	3	 	 	 	 	 	 	 	 	-98420.05	33
	4	8455.97	 	 	 	0	0	0	1	3429	1
	5	 	 	 	 	 	 	 	 	-7458.92	37
	6	 	 	 	 	 	 	 	 	-5424.64	12
	7	 	 	 	 	 	 	 	 	-255793.69	15
	8	 	 	 	 	 	 	 	 	-406	40
	9	 	 	 	 	 	 	 	 	86744.77	34
	10	 	 	 	 	 	 	 	 	416.19	30
	11	 	 	 	 	 	 	 	 	35582.16	14
	12	 	 	 	 	 	 	 	 	42.05	15
	13	 	 	 	 	 	 	 	 	0	11
	14	 	 	 	 	 	 	 	 	305.27	28
	15	 	 	 	 	 	 	 	 	0	30
	16	 	 	 	 	 	 	 	 	854.53	14
	17	 	 	 	 	 	 	 	 	0	16
	18	 	 	 	 	 	 	 	 	-27723.79	15
	19	4627.04	 	 	 	0	0	0	1	-141919.73	10
	20	 	 	 	 	 	 	 	 	304980.08	21
	21	 	 	 	 	 	 	 	 	304980.08	13
	22	 	 	 	 	 	 	 	 	695925.48	14
	23	 	 	 	 	 	 	 	 	-11672.77	16
	24	 	 	 	 	 	 	 	 	-21060.27	25
	25	 	 	 	 	 	 	 	 	-9101.04	10
	26	 	 	 	 	 	 	 	 	968.27	25
	27	 	 	 	 	 	 	 	 	-15922.85	17
	28	 	 	 	 	 	 	 	 	-34655.78	0
	29	 	 	 	 	 	 	 	 	-1619176.7	20
	30	 	 	 	 	 	 	 	 	-186268.33	8
	31	 	 	 	 	 	 	 	 	25	12
	32	 	 	 	 	 	 	 	 	-48101.97	 
	33	 	 	 	 	 	 	 	 	-101.48	40
	34	 	 	 	 	 	 	 	 	-105040.16	10
	35	 	 	 	 	 	 	 	 	-46495.68	10
	36	 	 	 	 	 	 	 	 	-200641.95	0
	37	 	 	 	 	 	 	 	 	4.78	10
	38	 	 	 	 	 	 	 	 	-242240	 
	39	 	 	 	 	 	 	 	 	-358510.39	30
	40	 	 	 	 	 	 	 	 	-7076.28	10
	41	 	 	 	 	 	 	 	 	1411.01	14
	42	 	 	 	 	 	 	 	 	-570654.14	11
	43	 	 	 	 	 	 	 	 	-7773.46	 
	44	 	 	 	 	 	 	 	 	420.44	8
	45	 	 	 	 	 	 	 	 	22657.73	10
	46	 	 	 	 	 	 	 	 	-5229.4	13
	47	 	 	 	 	 	 	 	 	0	25
	48	 	 	 	 	 	 	 	 	-13515.11	17
	49	 	 	 	 	 	 	 	 	157.71	0
	50	 	 	 	 	 	 	 	 	2000	0
	51	 	 	 	 	 	 	 	 	0	8
	52	 	 	 	 	 	 	 	 	69135.93	9
	53	 	 	 	 	 	 	 	 	1079.11	19
	54	 	 	 	 	 	 	 	 	-347119.9	12
	55	 	 	 	 	 	 	 	 	-1416195.07	5
	56	 	 	 	 	 	 	 	 	-227023.14	6
	57	 	 	 	 	 	 	 	 	-4956.17	15
	58	 	 	 	 	 	 	 	 	7407.76	22
	59	 	 	 	 	 	 	 	 	443.15	18
	60	 	 	 	 	 	 	 	 	-6468.16	13
	61	 	 	 	 	 	 	 	 	-94318.33	5
	62	 	 	 	 	 	 	 	 	-774561.55	 
	63	 	 	 	 	 	 	 	 	-195111.73	24
	64	 	 	 	 	 	 	 	 	-196294.93	14
	65	 	 	 	 	 	 	 	 	-380498.7	8
	66	 	 	 	 	 	 	 	 	-1786.31	25
	67	 	 	 	 	 	 	 	 	-260012.81	5
	68	 	 	 	 	 	 	 	 	22128.52	5
	69	 	 	 	 	 	 	 	 	3243.35	18
	70	 	 	 	 	 	 	 	 	-139538.96	10
	71	 	 	 	 	 	 	 	 	408.93	12
	72	 	 	 	 	 	 	 	 	-433900.45	21
	73	 	 	 	 	 	 	 	 	-200895.66	11
	74	 	 	 	 	 	 	 	 	0	0
	75	 	 	 	 	 	 	 	 	-293332.01	32
	76	 	 	 	 	 	 	 	 	3165.1	14
	77	 	 	 	 	 	 	 	 	6234.64	40
	78	 	 	 	 	 	 	 	 	1357.3	18
	79	 	 	 	 	 	 	 	 	-140037.99	3







 





	 	161	162	163	164	165	166	167	168	169	170
	KEY	CoBrrw - Yrs at in Industry	Junior Mortgage Drawn Amount	Maturity Date	Primary Borrower Wage Income (Salary)	Primary Borrower Wage Income (Bonus)	Primary Borrower Wage Income (Commission)	Co-Borrower Wage Income (Salary)	Co-Borrower Wage Income (Bonus)	Co-Borrower Wage Income (Commission)	Originator Doc Code
	1	 	0	20410801	0.00	0.00	0.00	 	 	 	Full
	2	 	400000	20420401	0.00	0.00	0.00	 	 	 	Full
	3	 	0	20411201	25546.00	0.00	0.00	0.00	0.00	0.00	Full
	4	0	0	20411001	57083.34	0.00	0.00	0.00	0.00	0.00	Full
	5	 	0	20420101	0.00	0.00	0.00	0.00	0.00	0.00	Full
	6	 	0	20420601	0.00	0.00	0.00	0.00	0.00	0.00	Full
	7	 	0	20420301	30833.00	0.00	0.00	 	 	 	Full
	8	 	0	20420501	0.00	0.00	0.00	0.00	0.00	0.00	Full
	9	20	250000	20420301	19230.77	0.00	0.00	29727.61	0.00	0.00	Full
	10	30	0	20420601	0.00	0.00	0.00	0.00	0.00	0.00	Full
	11	 	250000	20420301	96986.00	0.00	0.00	 	 	 	Full
	12	 	0	20420301	50000.00	0.00	0.00	 	 	 	Full
	13	 	360000	20420301	40015.00	0.00	0.00	0.00	0.00	0.00	Full
	14	 	237500	20420401	0.00	0.00	0.00	0.00	0.00	0.00	Full
	15	 	0	20420301	0.00	0.00	0.00	0.00	0.00	0.00	Full
	16	 	135000	20420401	0.00	0.00	0.00	0.00	0.00	0.00	Full
	17	3	500000	20420201	15416.66	24375.00	0.00	0.00	0.00	0.00	Full
	18	 	0	20420401	23001.00	0.00	0.00	0.00	0.00	0.00	Full
	19	 	0	20420201	0.00	0.00	0.00	 	 	 	Full
	20	11	0	20420301	17191.20	0.00	0.00	9500.02	0.00	0.00	Full
	21	11	58522.3	20420301	18147.78	0.00	0.00	1891.83	0.00	0.00	Full
	22	 	0	20420401	0.00	0.00	0.00	 	 	 	Full
	23	35	0	20420401	0.00	0.00	0.00	0.00	0.00	0.00	Full
	24	 	0	20420301	0.00	0.00	0.00	 	 	 	Full
	25	0	0	20420201	33333.34	20000.00	0.00	0.00	0.00	0.00	Full
	26	6	0	20420301	10953.26	0.00	0.00	10625.84	0.00	0.00	Full
	27	17	0	20420401	0.00	0.00	0.00	0.00	0.00	0.00	Full
	28	 	0	20420401	6161.67	0.00	0.00	2311.16	0.00	0.00	Full
	29	14	0	20420401	0.00	0.00	0.00	0.00	0.00	0.00	Full
	30	 	0	20420401	0.00	0.00	0.00	 	 	 	Full
	31	8	120000	20420301	36000.00	0.00	0.00	0.00	0.00	0.00	Full
	32	 	0	20420301	29166.67	0.00	0.00	0.00	0.00	0.00	Full
	33	5	0	20420401	0.00	0.00	0.00	0.00	0.00	0.00	Full
	34	10	0	20420301	0.00	0.00	0.00	0.00	0.00	0.00	Full
	35	 	0	20420601	7965.34	0.00	0.00	 	 	 	Full
	36	 	0	20420401	0.00	0.00	0.00	 	 	 	Full
	37	11	0	20420301	43352.00	0.00	0.00	12434.00	0.00	0.00	Full
	38	 	0	20420301	0.00	0.00	0.00	 	 	 	Full
	39	 	0	20420401	0.00	0.00	0.00	0.00	0.00	0.00	Full
	40	15	0	20420501	0.00	0.00	0.00	0.00	0.00	0.00	Full
	41	12	0	20420301	11000.21	0.00	0.00	4551.89	0.00	0.00	Full
	42	1	364000	20420401	0.00	0.00	0.00	0.00	0.00	0.00	Full
	43	 	0	20420401	0.00	0.00	0.00	0.00	0.00	0.00	Full
	44	 	100000	20420401	19025.22	0.00	0.00	0.00	0.00	0.00	Full
	45	 	0	20420501	0.00	0.00	0.00	0.00	0.00	0.00	Full
	46	 	0	20420401	0.00	0.00	0.00	 	 	 	Full
	47	 	750000	20420401	4727.33	0.00	0.00	44144.00	0.00	0.00	Full
	48	12	0	20420501	13333.33	0.00	19303.25	0.00	0.00	0.00	Full
	49	 	0	20420301	0.00	0.00	0.00	 	 	 	Full
	50	 	0	20420301	97361.00	0.00	0.00	 	 	 	Full
	51	6	0	20420501	0.00	0.00	0.00	0.00	0.00	0.00	Full
	52	5	0	20420401	0.00	0.00	0.00	0.00	0.00	0.00	Full
	53	 	0	20420501	18923.50	0.00	0.00	0.00	0.00	0.00	Full
	54	8	0	20420601	0.00	0.00	0.00	0.00	0.00	0.00	Full
	55	5	0	20420401	0.00	0.00	0.00	0.00	0.00	0.00	Full
	56	5	450000	20420401	10416.00	0.00	0.00	6991.87	0.00	0.00	Full
	57	 	0	20420401	24847.87	0.00	0.00	0.00	0.00	0.00	Full
	58	 	0	20420501	0.00	0.00	0.00	 	 	 	Full
	59	 	100000	20420401	0.00	0.00	0.00	0.00	0.00	0.00	Full
	60	16	400000	20420401	17085.34	0.00	0.00	17035.45	0.00	0.00	Full
	61	 	0	20420401	17916.00	0.00	0.00	 	 	 	Full
	62	 	0	20420401	0.00	0.00	0.00	 	 	 	Full
	63	22	0	20420501	0.00	0.00	0.00	0.00	0.00	0.00	Full
	64	 	0	20420401	0.00	0.00	0.00	 	 	 	Full
	65	 	0	20420601	152092.37	0.00	0.00	 	 	 	Full
	66	25	500000	20420601	0.00	0.00	0.00	0.00	0.00	0.00	Full
	67	 	0	20420501	0.00	0.00	0.00	0.00	0.00	0.00	Full
	68	26	0	20420501	20208.00	0.00	0.00	20194.00	0.00	0.00	Full
	69	19	720000	20420501	0.00	0.00	0.00	0.00	0.00	0.00	Full
	70	11	0	20420501	0.00	0.00	0.00	0.00	0.00	0.00	Full
	71	3	140500	20420501	0.00	0.00	0.00	0.00	0.00	0.00	Full
	72	 	400000	20420501	166667.00	0.00	0.00	0.00	0.00	0.00	Full
	73	 	0	20420501	0.00	0.00	0.00	0.00	0.00	0.00	Full
	74	12	0	20420501	31788.18	0.00	0.00	0.00	0.00	0.00	Full
	75	27	0	20420601	0.00	0.00	0.00	0.00	0.00	0.00	Full
	76	14	0	20420501	11715.77	0.00	0.00	9583.32	0.00	0.00	Full
	77	 	0	20420601	0.00	0.00	0.00	0.00	0.00	0.00	Full
	78	 	0	20420501	0.00	0.00	0.00	0.00	0.00	0.00	Full
	79	 	0	20420601	14166.00	9846.79	0.00	 	 	 	Full







 





	 	171	172
	KEY	RWT Income Verification	RWT Asset Verification
	1	2 Years	1 Month
	2	2 Years	2 Months
	3	2 Years	1 Month
	4	2 Years	1 Month
	5	2 Years	1 Month
	6	2 Years	2 Months
	7	2 Years	2 Months
	8	2 Years	2 Months
	9	2 Years	2 Months
	10	2 Years	2 Months
	11	2 Years	2 Months
	12	2 Years	1 Month
	13	2 Years	2 Months
	14	2 Years	2 Months
	15	2 Years	1 Month
	16	2 Years	2 Months
	17	2 Years	2 Months
	18	2 Years	2 Months
	19	2 Years	2 Months
	20	2 Years	1 Month
	21	2 Years	2 Months
	22	2 Years	2 Months
	23	2 Years	2 Months
	24	2 Years	2 Months
	25	2 Years	1 Month
	26	2 Years	1 Month
	27	2 Years	2 Months
	28	2 Years	2 Months
	29	2 Years	2 Months
	30	2 Years	2 Months
	31	2 Years	1 Month
	32	2 Years	1 Month
	33	2 Years	2 Months
	34	2 Years	2 Months
	35	2 Years	1 Month
	36	2 Years	2 Months
	37	2 Years	2 Months
	38	2 Years	2 Months
	39	2 Years	2 Months
	40	2 Years	2 Months
	41	2 Years	1 Month
	42	2 Years	2 Months
	43	2 Years	2 Months
	44	2 Years	1 Month
	45	2 Years	2 Months
	46	2 Years	2 Months
	47	2 Years	2 Months
	48	2 Years	1 Month
	49	2 Years	2 Months
	50	2 Years	1 Month
	51	2 Years	2 Months
	52	2 Years	2 Months
	53	2 Years	1 Month
	54	2 Years	2 Months
	55	2 Years	2 Months
	56	2 Years	1 Month
	57	2 Years	1 Month
	58	2 Years	2 Months
	59	2 Years	2 Months
	60	2 Years	1 Month
	61	2 Years	2 Months
	62	2 Years	2 Months
	63	2 Years	2 Months
	64	2 Years	2 Months
	65	2 Years	1 Month
	66	2 Years	2 Months
	67	2 Years	2 Months
	68	2 Years	2 Months
	69	2 Years	2 Months
	70	2 Years	2 Months
	71	2 Years	2 Months
	72	2 Years	1 Month
	73	2 Years	2 Months
	74	2 Years	1 Month
	75	2 Years	2 Months
	76	2 Years	1 Month
	77	2 Years	2 Months
	78	2 Years	2 Months
	79	2 Years	1 Month







 


 





	ASF RMBS DISCLOSURE PACKAGE



The American Securitization Forum is a broad-based professional forum through which participants in the U.S. securitization market advocate their common interests on important legal, regulatory and market practice issues. ASF members include over 380 firms, including issuers, investors, servicers, financial intermediaries, rating agencies, financial guarantors, legal and accounting firms, and other professional organizations involved in securitization transactions. The ASF also provides information, education and training on a range of securitization market issues and topics through industry conferences, seminars and similar initiatives. For more information about ASF, its members and activities, please go to www.americansecuritization.com.	 
	Field
    Number	Field
    Name	Field
    Description	Type
    of Field	Data
    Type	Sample
    Data	Format	When
    Applicable?	Valid
    Values	Proposed
    Unique Coding	Notes	 
	1	Primary
    Servicer	The
    MERS Organization ID of the company that has or will have the right to service the loan.	General
    Information	Numeric
    – Integer	2351805	9(7)	Always	”9999999”
    if Unknown	 	 	 
	2	Servicing
    Fee—Percentage	Aggregate
    monthly fee paid to all servicers, stated in decimal form.	General
    Information	Numeric
    - Decimal	0.0025	9.999999	Loans
    without flat-dollar servicing fees	>=
    0 and < 1	 	Must
    be populated if Field 3 is Null	 
	3	Servicing
    Fee—Flat-dollar	Aggregate
    monthly fee paid to all servicers, stated as a dollar amount.	General
    Information	Numeric
    – Decimal	7.5	9(3).99	Loans
    with flat-dollar servicing fees	>=
    0 and <= 999	 	Must
    be populated if 2 is Null	 
	4	Servicing
    Advance Methodology	The
    manner in which principal and/or interest are to be advanced by the servicer.	General
    Information	Numeric
    – Integer	2	99	Always	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Scheduled
                                                                                                                                                           Interest,
                                                                                                                                                           Scheduled
                                                                                                                                                           Principal

        2 = Actual Interest, Actual
        Principal

        3 = Scheduled Interest,
        Actual Principal

        99 = Unknown
	 	 
	5	Originator	The
    MERS Organization ID of the entity that lends funds to the borrower and, in return, places a lien on the mortgage property
    as collateral.	General
    Information	Numeric
    – Integer	5938671	9(7)	Always	”9999999”
    if Unknown	 	 	 
	6	Loan
    Group	Indicates
    the collateral group number in which the loan falls (for structures with multiple collateral groups). Use “1”
    if there is only one loan group.	General
    Information	Text	1A	XXXX	Always	“UNK”
    if Unknown	 	 	 
	7	Loan
    Number	Unique
    National Mortgage Loan ID Number (Vendor TBD).	General
    Information	Numeric
    – Integer	TBD	TBD	Always	TBD	 	Details
    to be provided by Vendor	 
	8	Amortization
    Type	Indicates
    whether the loan’s interest rate is fixed or adjustable (Hybrid ARMs are adjustable).	Loan
    Type	Numeric
    – Integer	2	99	Always	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Fixed

        2 = Adjustable

        99 = Unknown
	 	 
	9	Lien
    Position	A
    number indicating the loan’s lien position (1 = first lien, etc.).	Loan
    Type	Numeric
    – Integer	1	99	Always	>0	99
    = Unknown	 	 
	10	HELOC
    Indicator	Indicates
    whether the loan is a home equity line of credit.	Loan
    Type	Numeric
    – Integer	1	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unknown
	 	 
	11	Loan
    Purpose	Indicates
    the purpose of the loan.	Loan
    Type	Numeric
    – Integer	9	99	Always	See
    Coding	See
    Appendix A	 	 
	12	Cash
    Out Amount	Cash
    Out Amount:   [New Loan] – [PIF Prior First Lien] – [Payoff of all Seasoned Seconds] – [Closing
    Costs] – [Prepays]
 
 For delayed purchases (refinances on homes purchased < 12 months prior to the mortgage
    application) with cash)  Cash Out Amount = 0.	Loan
    Type	Numeric
    – Decimal	72476.5	9(10).99	Always	>=
    0	 	 	 
	 
	 
	13	Total
    Origination and Discount Points (in dollars)	Amount
    paid to the lender to increase the lender’s effective yield and, in the case of discount points, to reduce the interest
    rate paid by the borrower.	Loan
    Type	Numeric
    – Decimal	5250	9(10).99	Always	>=
    0	 	Typically
    Lines 801 and 802 of HUD Settlement Statement	 
	14	Covered/High
    Cost Loan Indicator	Indicates
    whether the loan is categorized as “high cost” or “covered” according to state or federal statutes
    or regulations.	Loan
    Type	Numeric
    – Integer	1	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unknown
	 	 
	15	Relocation
    Loan Indicator	Indicates
    whether the loan is part of a corporate relocation program.	Loan
    Type	Numeric
    – Integer	1	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unknown
	 	 
	16	Broker
    Indicator	Indicates
    whether a broker took the application.	Loan
    Type	Numeric
    – Integer	1	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unknown
	 	 
	17	Channel	Code
    indicating the source (channel) from which the Issuer obtained the mortgage loan.	Loan
    Type	Numeric
    – Integer	2	99	Always	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Retail

        2 = Broker

        3 = Correspondent Bulk

        4 = Correspondent Flow
        with delegated underwriting

        5 = Correspondent Flow
        without delegated underwriting

        99 = Unknown
	 	 
	18	Escrow
    Indicator	Indicates
    whether various homeownership expenses are paid by the borrower directly or through an escrow account (as of securitization
    cut-off date).	Loan
    Type	Numeric
    – Integer	3	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No
                                                                                                                                                           Escrows

        1 = Taxes

        2 = Insurance

        3 = HOA dues

        4 = Taxes and Insurance

        5 = All

        99 =Unknown
	 	 
	19	Senior
    Loan Amount(s)	For
    non-first mortgages, the sum of the balances of all associated senior mortgages at the time of origination of the subordinate
    lien. 	Mortgage
    Lien Info	Numeric
    – Decimal	611004.25	9(10).99	If
    Lien Position > 1	>=
    0	 	 	 
	20	Loan
    Type of Most Senior Lien	For
    non-first mortgages, indicates whether the associated first mortgage is a Fixed, ARM, Hybrid, or negative amortization loan.	Mortgage
    Lien Info	Numeric
    – Integer	2	99	If
    Lien Position > 1	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Fixed
                                                                                                                                                           Rate

        2 = ARM

        3 = Hybrid

        4 = Neg Am

        99 = Unknown
	 	 
	21	Hybrid
    Period of Most Senior Lien (in months)	For
    non-first mortgages where the associated first mortgage is a hybrid ARM, the number of months remaining in the initial fixed
    interest rate period for the hybrid first mortgage.	Mortgage
    Lien Info	Numeric
    – Integer	23	999	If
    Lien Position > 1	>=
    0	 	 	 
	AND
    the most senior lien is a hybrid ARM (see Field 20)	 
	22	Neg
    Am Limit of Most Senior Lien	For
    non-first mortgages where the associated first mortgage features negative amortization, the maximum percentage by which the
    negatively amortizing balance may increase (expressed as a proportion of the senior lien’s original balance).	Mortgage
    Lien Info	Numeric
    – Decimal	1.25	9.999999	If
                                                                                                                                                           Lien
                                                                                                                                                           Position
                                                                                                                                                           >
                                                                                                                                                           1

        AND
        the senior lien is Neg Am (see Field 20)
	>=
    1 and <= 2	 	 	 
	23	Junior
    Mortgage Balance	For
    first mortgages with subordinate liens at the time of origination, the combined balance of the subordinate liens (if known).	Mortgage
    Lien Info	Numeric
    – Decimal	51775.12	9(10).99	If
    Lien Position = 1 and there is a 2nd lien on the subject property	>=
    0	 	Subject
    to Regulatory Confirmation	 
	24	Origination
    Date of Most Senior Lien	For
    non-first mortgages, the origination date of the associated first mortgage.	Mortgage
    Lien Info	Date	20090914	YYYYMMDD	If
    Lien Position > 1 and there is a 2nd lien on the subject property	“19010101”
    if unknown	 	 	 
	25	Origination
    Date	The
    date of the Mortgage Note and Mortgage/Deed of Trust	Loan
    Term and Amortization Type	Date	20090914	YYYYMMDD	Always	“19010101”
    if unknown	 	 	 
	26	Original
    Loan Amount	The
    dollar amount of the mortgage loan, as specified on the mortgage note at the time of the loan’s origination. For HELOCs,
    the maximum available line of credit.	Loan
    Term and Amortization Type	Numeric
    – Decimal	150000	9(10).99	Always	>0	 	 	 
	27	Original
    Interest Rate	The
    original note rate as indicated on the mortgage note.	Loan
    Term and Amortization Type	Numeric
    – Decimal	0.0475	9.999999	Always	>
    0 and <= 1	 	 	 
	28	Original
    Amortization Term	The
    number of months in which the loan would be retired if the amortizing principal and interest payment were to be paid each
    month.	Loan
    Term and Amortization Type	Numeric
    – Integer	360	999	Always	>=
    60	 	 	 
	29	Original
    Term to Maturity	The
    initial number of months between loan origination and the loan maturity date, as specified on the mortgage note.	Loan
    Term and Amortization Type	Numeric
    – Integer	60	999	Always	>0	N/A	 	 
	30	First
    Payment Date of Loan	The
    date of the first scheduled mortgage payment to be made by the borrower as specified on the mortgage note.	Loan
    Term and Amortization Type	Date	20090914	YYYYMMDD	Always	“19010101”
    if unknown	N/A	 	 
	31	Interest
    Type Indicator	Indicates
    whether the interest rate calculation method is simple or actuarial.	Loan
    Term and Amortization Type	Numeric
    – Integer	2	99	Always	See
    Coding	1=
                                                                                                                                                                       Simple

        2 = Actuarial

        99 = Unknown

         
	 	 
	32	Original
    Interest Only Term	Original
    interest-only term for a loan in months (including NegAm Loans).	Loan
    Term and Amortization Type	Numeric
    – Integer	60	999	Always	>=
                                                                                                                                                           0
                                                                                                                                                           and
                                                                                                                                                           <=
                                                                                                                                                           240

        Unknown
        = Blank;

        No
        Interest Only Term = 0
	 	 
	33	Buy
    Down Period	The
    total number of months during which any buy down is in effect, representing the accumulation of all buy down periods.	Loan
    Term and Amortization Type	Numeric
    – Integer	65	999	Always	>=
                                                                                                                                                           0
                                                                                                                                                           and
                                                                                                                                                           <=
                                                                                                                                                           100

        Unknown
        = Blank;

        No
        Buy Down = 0
	 	 	 
	34	HELOC
    Draw Period	The
    original number of months during which the borrower may draw funds against the HELOC account.	Loan
    Term and Amortization Type	Numeric
    – Integer	24	999	HELOCs
    Only	>=
    12 and <= 120	 	 	 
	35	Scheduled
    Loan Amount	Mortgage
    loan scheduled principal balance as of cut-off date. For HELOCs, the current drawn amount.	Loan
    Term and Amortization Type	Numeric
    – Decimal	248951.19	9(10).99	Always	>=
    0	 	 	 
	36	Current
    Interest Rate	The
    interest rate used to calculate the current P&I or I/O payment.	Loan
    Term and Amortization Type	Numeric
    – Decimal	0.05875	9.999999	Always	>
    0 and <= 1	 	 	 
	37	Current
    Payment Amount Due	Next
    Total Payment due to be collected (including principal, interest or both—but Exclude Escrow Amounts).	Loan
    Term and Amortization Type	Numeric
    – Decimal	1250.15	9(10).99	Always	>
    0	 	 	 
	38	Scheduled
    Interest Paid
 Through Date	 	Loan
    Term and Amortization Type	Date	20090429	YYYYMMDD	Always	“19010101”
    if unknown	 	 	 
	39	Current
    Payment Status	Number
    of payments the borrower is past due as of the securitization cut-off date.	Loan
    Term and Amortization Type	Numeric
    – Integer	3	99	Always	>=
    0	 	 	 
	40	Index
    Type	Specifies
    the type of index to be used to determine the interest rate at each adjustment.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Integer	18	99	ARMs
    Only	See
    Coding	See
    Appendix B	 	 
	41	ARM
    Look-back Days	The
    number of days prior to the interest rate adjustment date to retrieve the index value.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Integer	45	99	ARMs
    Only	>=
    0 to <=99	 	 	 
	42	Gross
    Margin	The
    percentage stated on the mortgage note representing the spread between the ARM Index value and the mortgage interest rate.
    The gross mortgage margin is added to the index value to establish a new gross interest rate in the manner prescribed on the
    mortgage note.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.03	9.999999	ARMs
    Only	>0
    and <= 1	 	 	 
	43	ARM
    Round Flag	An
    indicator of whether an adjusted interest rate is rounded to the next higher ARM round factor, to the next lower round factor,
    or to the nearest round factor.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Integer	3	9	ARMs
    Only	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No
                                                                                                                                                           Rounding

        1 = Up

        2 = Down

        3 = Nearest

        99=Unknown
	 	 
	44	ARM
    Round Factor	The
    percentage to which an adjusted interest rate is to be rounded.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.0025
    or 0.00125	9.999999	ARMs
                                                                                                                                                           Only

        Where
        ARM Round Flag = 1, 2, or 3
	>=
    0 and < 1	 	 	 
	45	Initial
    Fixed Rate Period	For
    hybrid ARMs, the period between the first payment date of the mortgage and the first interest rate adjustment date.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Integer	60	999	Hybrid
    ARMs Only	>=
    1 to <=240	 	 	 
	46	Initial
    Interest Rate Cap (Change Up)	The
    maximum percentage by which the mortgage note rate may increase at the first interest rate adjustment date.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.02	9.999999	ARMs
    Only	>=
    0 and <= 1	99=no
    cap	 	 
	47	Initial
    Interest Rate  Cap (Change Down)	The
    maximum percentage by which the mortgage note rate may decrease at the first interest rate adjustment date.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.02	9.999999	ARMs
    Only	>=
    0 and <= 1	99=no
    cap	 	 
	48	Subsequent
    Interest Rate Reset Period	The
    number of months between subsequent rate adjustments.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Integer	60	999	ARMs
    Only	>=0
    and <= 120	 	0
    = Loan does not adjust after initial reset	 
	49	Subsequent
    Interest Rate (Change Down)	The
    maximum percentage by which the interest rate may decrease at each rate adjustment date after the initial adjustment.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.02	9.999999	ARMs
    Only	>=
    0 and <= 1	99=no
    cap	 	 
	50	Subsequent
    Interest Rate Cap (Change Up)	The
    maximum percentage by which the interest rate may increase at each rate adjustment date after the initial adjustment.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.02	9.999999	ARMs
    Only	>=
    0 and <= 1	99=no
    cap	 	 
	51	Lifetime
    Maximum Rate (Ceiling)	The
    maximum interest rate that can be in effect during the life of the loan.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.125	9.999999	ARMs
    Only	>=
    0 and <= 1	 	=1
    if no ceiling specified	 
	 
	 
	52	Lifetime
    Minimum Rate (Floor)	The
    minimum interest rate that can be in effect during the life of the loan.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.015	9.999999	ARMs
    Only	>=
    0 and <= 1	 	If
    no floor is specified enter the greater of the margin or 0.	 
	53	Negative
    Amortization Limit	The
    maximum amount of negative amortization allowed before recast is required. (Expressed as a percentage of the original unpaid
    principal balance.)	Negative
    Amortization	Numeric
    – Decimal	1.25	9.999999	Negatively
    Amortizing ARMs Only	>=0,
    and <2	 	 	 
	54	Initial
    Negative Amortization Recast Period	The
    number of months in which the payment is required to recast if the loan does not reach the prescribed maximum balance earlier.	Negative
    Amortization	Numeric
    – Integer	60	999	Negatively
    Amortizing ARMs Only	>=0	 	 	 
	55	Subsequent
    Negative Amortization Recast Period	The
    number of months after which the payment is required to recast AFTER the first recast period.	Negative
    Amortization	Numeric
    – Integer	48	999	Negatively
    Amortizing ARMs Only	>=0	 	 	 
	56	Initial
    Fixed Payment Period	Number
    of months after origination during which the payment is fixed.	Negative
    Amortization	Numeric
    – Integer	60	999	Negatively
    Amortizing Hybrid ARMs Only	>=
    0 to <=120	 	 	 
	57	Subsequent
    Payment Reset Period	Number
    of months between payment adjustments after first payment reset.	Negative
    Amortization	Numeric
    – Integer	12	999	Negatively
    Amortizing ARMs Only	>=
    0 to <=120	 	 	 
	58	Initial
    Periodic Payment Cap	The
    maximum percentage by which a payment can change (increase or decrease) in the first period. 	Negative
    Amortization	Numeric
    – Decimal	0.075	9.999999	Negatively
    Amortizing ARMs Only	>=
    0 and < 1	 	 	 
	59	Subsequent
    Periodic Payment Cap	The
    maximum percentage by which a payment can change (increase or decrease) in one period after the initial cap. 	Negative
    Amortization	Numeric
    – Decimal	0.075	9.999999	Negatively
    Amortizing ARMs Only	>=
    0 and < 1	 	 	 
	60	Initial
    Minimum Payment Reset Period	The
    maximum number of months a borrower can initially pay the minimum payment before a new minimum payment is determined.	Negative
    Amortization	Numeric
    – Integer	12	999	Negatively
    Amortizing ARMs Only	>=
    0 to <=120	 	 	 
	61	Subsequent
    Minimum Payment Reset Period	The
    maximum number of months (after the initial period) a borrower can pay the minimum payment before a new minimum payment is
    determined after the initial period.	Negative
    Amortization	Numeric
    – Integer	12	999	Negatively
    Amortizing ARMs Only	>=
    0 to <=120	 	 	 
	62	Option
    ARM Indicator	An
    indicator of whether the loan is an Option ARM.	Negative
    Amortization	Numeric
    – Integer	1	99	ARMs
    Only	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unknown
	 	 
	63	Options
    at Recast	The
    means of computing the lowest monthly payment available to the borrower after recast.	Option
    ARM	Numeric
    – Integer	2	99	Option
    ARMs Only	N/A	1=
                                                                                                                                                           Fully
                                                                                                                                                           amortizing
                                                                                                                                                           30
                                                                                                                                                           year

        2= Fully amortizing 15
        year

        3=Fully amortizing 40
        year

        4 = Interest-Only

        5 = Minimum Payment

        99= Unknown
	 	 
	64	Initial
    Minimum Payment	The
    initial minimum payment the borrower is permitted to make.	Option
    ARM	Numeric
    – Decimal	879.52	99	Option
    ARMs Only	>=0	 	 	 
	65	Current
    Minimum Payment	Current
    Minimum Payment (in dollars).	Negative
    Amortization	Numeric
    – Decimal	250	9(10).99	Option
    ARMs Only	>=
    0	 	 	 
	66	Prepayment
    Penalty Calculation	A
    description of how the prepayment penalty would be calculated during each phase of the prepayment penalty term.	Prepayment
    Penalties	Numeric
    – Integer	12	99	Always	See
    Coding	See
    Appendix C	 	 
	67	Prepayment
    Penalty Type	•
                                                                                                                                                           Hard:
                                                                                                                                                           The
                                                                                                                                                           prepayment
                                                                                                                                                           penalty
                                                                                                                                                           is
                                                                                                                                                           incurred
                                                                                                                                                           regardless
                                                                                                                                                           of
                                                                                                                                                           the
                                                                                                                                                           reason
                                                                                                                                                           the
                                                                                                                                                           loan
                                                                                                                                                           is
                                                                                                                                                           prepaid
                                                                                                                                                           in
                                                                                                                                                           full.

        • Hybrid:
        The prepayment penalty can be characterized as hard for a certain amount of time and as soft during another period.

         

         
	Prepayment
    Penalties	Numeric
    – Integer	1	99	All
    loans with Prepayment Penalties (i.e., loans for which Field 66 = something other than “0”)	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Hard

        2 = Soft

        3 = Hybrid

        99 = Unknown
	 	 
	68	Prepayment
    Penalty Total Term	The
    total number of months that the prepayment penalty may be in effect.	Prepayment
    Penalties	Numeric
    – Integer	60	999	All
    loans with Prepayment Penalties (i.e., loans for which Field 66 = something other than “0”)	>0
    to <=120	 	 	 
	69	Prepayment
    Penalty Hard Term	For
    hybrid prepayment penalties, the number of months during which a “hard” prepayment penalty applies.	Prepayment
    Penalties	Numeric
    – Integer	12	999	Loans
    with Hybrid Prepayment Penalties (i.e., loans for which Field 67 = “3”)	>=
    0 to <=120	 	 	 
	70	Primary
    Borrower ID	A
    lender-generated ID number for the primary borrower on the mortgage	Borrower	Numeric—Integer	123456789	999999999	Always	>0	 	Used
    to identify the number of times a single borrower appears in a given deal.	 
	71	Number
    of Mortgaged Properties	The
    number of residential properties owned by the borrower that currently secure mortgage loans.	Borrower	Numeric
    – Integer	1	99	Always	>
    0	 	 	 
	72	Total
    Number of Borrowers	The
    number of Borrowers who are obligated to repay the mortgage note.	Borrower	Numeric
    – Integers	2	99	Always	>
    0	 	 	 
	73	Self-employment
    Flag	An
    indicator of whether the primary borrower is self-employed.	Borrower	Numeric
    – Integer	1	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unknown
	 	 
	74	Current
    ‘Other’ Monthly Payment	The
    aggregate of all payments pertaining to the subject property other than principal and interest (includes common charges, condo
    fees, T&I, HOA, etc.), whether escrowed or not.	Loan
    Term and Amortization Type	Numeric
    – Decimal	1789.25	9(10).99	Always	>
    0	 	 	 
	75	Length
    of Employment: Borrower	The
    number of years of service with the borrower’s current employer as of the date of the loan.	Borrower
    Qualification	Numeric
    – Decimal	3.5	99.99	Always	>=0	99
    = Retired, None employment income soure (social security, trust income, dividends, etc.)	 	 
	76	Length
    of Employment: Co-Borrower	The
    number of years of service with the co-borrower’s current employer as of the date of the loan.	Borrower
    Qualification	Numeric
    – Decimal	3.5	99.99	If
    “Total Number of Borrowers” > 1	>=
    0	99
    = Retired, None employment income soure (social security, trust income, dividends, etc.)	 	 
	77	Years
    in Home	Length
    of time that the borrower has been at current address.	Borrower
    Qualification	Numeric
    – Decimal	14.5	99.99	Refinances
    of Primary Residences Only (Loan Purpose = 1, 2, 3, 4, 8 or 9)	>
    0	 	 	 
	78	FICO
    Model Used	Indicates
    whether the FICO score was calculated using the Classic, Classic 08, or Next Generation model.	Borrower
    Qualification	Numeric
    – Integer	1	99	If
    a FICO score was obtained	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Classic

        2 = Classic 08

        3 = Next Generation

        99 = Unknown
	 	 
	79	Most
    Recent FICO Date	Specifies
    the date on which the most recent FICO score was obtained	Borrower
    Qualification	Date	20090914	YYYYMMDD	If
    a FICO score was obtained	“19010101”
    if unknown	 	Issuers
    unable to Provide may Rep and Warrant that the FICO score used for underwriting was not more than 4 months old at the date
    of issuance.	 
	80	Primary
    Wage Earner Original FICO:  Equifax	Equifax
    FICO score for primary borrower (if applicable).	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    a FICO score was obtained	>=
    350 and <= 850	 	 	 
	81	Primary
    Wage Earner Original FICO:  Experian	Experian
    FICO score for primary borrower (if applicable).	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    a FICO score was obtained	>=
    350 and <= 850	 	 	 
	82	Primary
    Wage Earner Original FICO:  TransUnion	TransUnion
    FICO score for primary borrower (if applicable).	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    a FICO score was obtained	>=
    350 and <= 850	 	 	 
	83	Secondary
    Wage Earner Original FICO:  Equifax	Equifax
    FICO score for Co-borrower (if applicable).	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    “Total Number of Borrowers” > 1	>=
    350 and <= 850	 	 	 
	84	Secondary
    Wage Earner Original FICO:  Experian	Experian
    FICO score for Co-borrower (if applicable).	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    “Total Number of Borrowers” > 1	>=
    350 and <= 850	 	 	 
	85	Secondary
    Wage Earner Original FICO: TransUnion	TransUnion
    FICO score for Co-borrower (if applicable).	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    “Total Number of Borrowers” > 1	>=
    350 and <= 850	 	 	 
	86	Most
    Recent Primary Borrower FICO	Most
    Recent Primary Borrower FICO score used by the lender to approve the loan.	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    a FICO score was obtained	>=
    350 and <= 850	 	 	 
	87	Most
    Recent Co-Borrower FICO	Most
    Recent Co-Borrower FICO score used by the lender to approve the loan.	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    “Total Number of Borrowers” > 1	>=
    350 and <= 850	 	 	 
	88	Most
    Recent FICO Method	Number
    of credit repositories used to update the FICO Score.	Borrower
    Qualification	Numeric
    – Integer	2	9	If
    a FICO score was obtained	>0	 	 	 
	89	VantageScore:
    Primary Borrower	Credit
    Score for the Primary Borrower used to approve the loan and obtained using the Vantage credit evaluation model.	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    a Vantage Credit Score was obtained	>=
    501 and <= 990	 	 	 
	90	VantageScore:
    Co-Borrower	Credit
    Score for the Co-borrower used to approve the loan and obtained using the Vantage credit evaluation model.	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    a VantageScore was obtained AND “Total Number of Borrowers” > 1	>=
    501 and <= 990	 	 	 
	91	Most
    Recent VantageScore Method	Number
    of credit repositories used to update the Vantage Score.	Borrower
    Qualification	Numeric
    – Integer	2	9	If
    a Vantage Credit Score was obtained	>0	 	 	 
	92	VantageScore
    Date	Date
    Vantage Credit Score was obtained.	Borrower
    Qualification	Date	20090914	YYYYMMDD	If
    a Vantage Credit Score was obtained	“19010101”
    if unknown	 	 	 
	93	Credit
    Report: Longest Trade Line	The
    length of time in months that the oldest active trade line, installment or revolving, has been outstanding. For a loan with
    more than one borrower, populate field based on status for the primary borrower.	Borrower
    Qualification	Numeric
    – Integer	999	999	Always	>
    =0	 	Subject
    to Regulatory Confirmation	 
	94	Credit
    Report: Maximum Trade Line	The
    dollar amount for the trade line, installment or revolving, with the largest unpaid balance. For revolving lines of credit,
    e.g. credit card, the dollar amount reported should reflect the maximum amount of credit available under the credit line whether
    used or not. For a loan with more than one borrower, populate field based on status for the primary borrower.	Borrower
    Qualification	Numeric
    – Decimal	339420.19	9(10).99	Always	>=0	 	Subject
    to Regulatory Confirmation	 
	95	Credit
    Report: Number of Trade Lines	A
    count of non-derogatory, currently open and active, consumer trade lines (installment or revolving) for the borrower. For
    a loan with more than one borrower, populate field based on status for the primary borrower.	Borrower
    Qualification	Numeric
    – Integer	57	999	Always	>=0	 	Subject
    to Regulatory Confirmation	 
	96	Credit
    Line Usage Ratio	Sum
    of credit balances divided by sum of total open credit available.	Borrower
    Qualification	Numeric
    – Decimal	0.27	9.999999	Always	>=
    0 and <= 1	 	Subject
    to Regulatory Confirmation	 
	97	Most
    Recent 12-month Pay History	String
    indicating the payment status per month listed from oldest to most recent.	Borrower
    Qualification	Text	77X123200001	X(12)	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           Current

        1 = 30-59 days delinquent

        2 = 60-89 days delinquent

        3 = 90-119 days delinquent

        4 = 120+ days delinquent

        5 = Foreclosure

        6 = REO

        7 = Loan did not exist
        in period

        X = Unavailable
	 	 
	98	Months
    Bankruptcy	Number
    of months since any borrower was discharged from bankruptcy. (Issuers unable to provide this information may rep and warrant
    that at least x years—as specified in the loan program—have passed since most recent discharge from bankruptcy.)	Borrower
    Qualification	Numeric
    – Integer	12	999	If
    Borrower has ever been in Bankruptcy	>=
    0	 	Blank
    = Borrower is not known to have been in bankruptcy	 
	99	Months
    Foreclosure	Number
    of months since foreclosure sale date. (Issuers unable to provide this information may rep and warrant that at least x
    years—as specified in the loan program— have passed since most recent foreclosure.)	Borrower
    Qualification	Numeric
    – Integer	12	999	If
    Borrower has ever been in Foreclosure	>=
    0	 	Blank
    = Borrower is not known to have been in foreclosure	 
	100	Primary
    Borrower Wage Income	Monthly
    base wage income for primary borrower.	Borrower
    Qualification	Numeric
    – Decimal	9000	9(9).99	Always	>=
    0	 	 	 
	101	Co-Borrower
    Wage Income	Monthly
    base wage income for all other borrowers.	Borrower
    Qualification	Numeric
    – Decimal	9000	9(9).99	If
    “Total Number of Borrowers” > 1	>=
    0	 	 	 
	102	Primary
    Borrower Other Income	Monthly
    Other (non-wage) income for primary borrower. (This figure should include net rental income and be reduced by any net rental
    loss.)	Borrower
    Qualification	Numeric
    – Decimal	9000	9(9).99	Always	>=
    0	 	 	 
	103	Co-Borrower
    Other Income	Monthly
    Other (non-wage) income for all other borrowers. (This figure should include net rental income and be reduced by any net rental
    loss.)	Borrower
    Qualification	Numeric
    – Decimal	9000	9(9).99	If
    “Total Number of Borrowers” > 1	>=
    0	 	 	 
	104	All
    Borrower Wage Income	Monthly
    income of all borrowers derived from base salary only.	Borrower
    Qualification	Numeric
    – Decimal	9000	9(9).99	Always	>=
    0	 	 	 
	105	All
    Borrower Total Income	Monthly
    income of all borrowers derived from base salary, commission, tips and gratuities, overtime and bonuses, part-time or second-job
    earnings, alimony, child support, interest and dividend income, notes receivable, trust income, net rental income,
    retirement income, social security, veterans income, military income, foster care income, and self-employed income.	Borrower
    Qualification	Numeric
    – Decimal	9000	9(9).99	Always	>=
    0	 	 	 
	106	4506-T
    Indicator	A
    yes/no indicator of whether a Transcript of Tax Return (received pursuant to the filing of IRS Form 4506-T) was obtained and
    considered.	Borrower
    Qualification	Numeric
    – Integer	1	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unknown
	 	 
	107	Borrower
    Income Verification Level	A
                                                                                                                                                           code
                                                                                                                                                           indicating
                                                                                                                                                           the
                                                                                                                                                           extent
                                                                                                                                                           to
                                                                                                                                                           which
                                                                                                                                                           the
                                                                                                                                                           borrower’s
                                                                                                                                                           income
                                                                                                                                                           has
                                                                                                                                                           been
                                                                                                                                                           verified:

        Level
        4 Income Verification = [W-2 (Prev. Yr.) OR TAX RETURNS* (Prev. Yr.)] AND PAY STUBS (YTD (at least one month)–if
        salaried)

        Level
        5 Income Verification = 24 months income verification (W-2s, pay stubs, bank statements and/or tax returns**)
	Borrower
    Qualification	Numeric
    – Integer	1	9	Always	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Not
                                                                                                                                                           Stated,
                                                                                                                                                           Not
                                                                                                                                                           Verified

        2 = Stated, Not Verified

        3 = Stated, “Partially”
        Verified

        4 = Stated, “Level
        4” Verified (as defined)

        5 = Stated, “Level
        5” Verified (as defined)
	 	 
	*For
    self-employed borrowers: Level 4 Income Verification:

    • 2 Years Tax Returns

    • Self-prepared tax returns (regardless of 4506 and tax transcripts)

    

    ** For self-employed borrowers: Level 5 Income Verification:

    • 2 Years tax returns

    • Tax returns prepared and not executed by a CPA, with 

    o CPA name & phone number shown on the Preparer section of the tax return

    o Executed 4506 and tax transcripts (matching returns in file) 

    • Tax returns prepared and executed by a CPA (regardless of 4506 and tax transcripts)	 	 
	108	Co-Borrower
    Income Verification	A
                                                                                                                                                           code
                                                                                                                                                           indicating
                                                                                                                                                           the
                                                                                                                                                           extent
                                                                                                                                                           to
                                                                                                                                                           which
                                                                                                                                                           the
                                                                                                                                                           co-borrower’s
                                                                                                                                                           income
                                                                                                                                                           has
                                                                                                                                                           been
                                                                                                                                                           verified:

         

        Level 4 Income Verification
        = [W-2 (Prev. Yr.) OR TAX RETURNS* (Prev. Yr.)] AND PAY STUBS (YTD (at least one month)–if salaried)

         

        Level 5 Income Verification
        = 24 months income verification (W-2s, pay stubs, bank statements and/or tax returns**)
	Borrower
    Qualification	Numeric
    – Integer	2	9	If
    “Total Number of Borrowers” > 1	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Not
                                                                                                                                                           Stated,
                                                                                                                                                           Not
                                                                                                                                                           Verified

        2 = Stated, Not Verified

        3 = Stated, “Partially”
        Verified

        4 = Stated, “Level
        4” Verified (as defined)

        5 = Stated, “Level
        5” Verified (as defined)
	 	 
	*For
    self-employed borrowers:  Level 4 Income Verification:
 • 2 Years Tax Returns
 • Self-prepared tax returns
    (regardless of 4506 and tax transcripts)
 
 ** For self-employed borrowers: Level 5 Income Verification:
 •
    2 Years tax returns
 • Tax returns prepared and not executed by a CPA, with 
          
    o CPA name & phone number shown on the Preparer section of the tax return
          
    o Executed 4506 and tax transcripts (matching returns in file)  
 • Tax returns prepared and executed by a CPA 
    (regardless of 4506 and tax transcripts)	 	 	 
	109	Borrower
    Employment Verification	A
                                                                                                                                                           code
                                                                                                                                                           indicating
                                                                                                                                                           the
                                                                                                                                                           extent
                                                                                                                                                           to
                                                                                                                                                           which
                                                                                                                                                           the
                                                                                                                                                           primary
                                                                                                                                                           borrower’s
                                                                                                                                                           employment
                                                                                                                                                           has
                                                                                                                                                           been
                                                                                                                                                           verified:

         

        Level 3 Verified = Direct
        Independent Verification with a third party of the borrower’s current employment.
	Borrower
    Qualification	Numeric
    – Integer	2	9	Always	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Not
                                                                                                                                                           Stated,
                                                                                                                                                           Not
                                                                                                                                                           Verified

        2 = Stated, Not Verified

        3 = Stated, Level 3 Verified
        (as defined)
	 	 
	110	Co-Borrower
    Employment Verification	A
                                                                                                                                                           code
                                                                                                                                                           indicating
                                                                                                                                                           the
                                                                                                                                                           extent
                                                                                                                                                           to
                                                                                                                                                           which
                                                                                                                                                           the
                                                                                                                                                           co-borrower’s
                                                                                                                                                           employment
                                                                                                                                                           has
                                                                                                                                                           been
                                                                                                                                                           verified:

         

        Level 3 Verified = Direct
        Independent Verification with a third party of the co-borrower’s current employment.
	Borrower
    Qualification	Numeric
    – Integer	1	9	If
    “Total Number of Borrowers” > 1	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Not
                                                                                                                                                           Stated,
                                                                                                                                                           Not
                                                                                                                                                           Verified

        2 = Stated, Not Verified

        3 = Stated, Level 3 Verified
        (as defined)
	 	 
	111	Borrower
    Asset Verification	A
                                                                                                                                                           code
                                                                                                                                                           indicating
                                                                                                                                                           the
                                                                                                                                                           extent
                                                                                                                                                           to
                                                                                                                                                           which
                                                                                                                                                           the
                                                                                                                                                           primary
                                                                                                                                                           borrower’s
                                                                                                                                                           assets
                                                                                                                                                           used
                                                                                                                                                           to
                                                                                                                                                           qualify
                                                                                                                                                           the
                                                                                                                                                           loan
                                                                                                                                                           have
                                                                                                                                                           been
                                                                                                                                                           verified:

         

        Level 4 Verified = 2 months
        of bank statements/balance documentation (written or electronic) for liquid assets (or gift letter).

         
	Borrower
    Qualification	Numeric
    – Integer	3	9	Always	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Not
                                                                                                                                                           Stated,
                                                                                                                                                           Not
                                                                                                                                                           Verified

        2 = Stated, Not Verified

        3 = Stated, “Partially”
        Verified

        4 = Stated, Level 4 Verified
        (as defined)
	 	 
	112	Co-Borrower
    Asset Verification	A
                                                                                                                                                           code
                                                                                                                                                           indicating
                                                                                                                                                           the
                                                                                                                                                           extent
                                                                                                                                                           to
                                                                                                                                                           which
                                                                                                                                                           the
                                                                                                                                                           co-borrower’s
                                                                                                                                                           assets
                                                                                                                                                           used
                                                                                                                                                           to
                                                                                                                                                           qualify
                                                                                                                                                           the
                                                                                                                                                           loan
                                                                                                                                                           have
                                                                                                                                                           been
                                                                                                                                                           verified:

         

        Level 4 = 2 months of
        bank statements/balance documentation (written or electronic) for liquid assets (or gift letter).

         
	Borrower
    Qualification	Numeric
    – Integer	2	9	If
    “Total Number of Borrowers” > 1	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Not
                                                                                                                                                           Stated,
                                                                                                                                                           Not
                                                                                                                                                           Verified

        2 = Stated, Not Verified

        3 = Stated, “Partially”
        Verified

        4 = Stated, Level 4 Verified
        (as defined)
	 	 
	113	Liquid
    / Cash Reserves	The
    actual dollar amount of remaining verified liquid assets after settlement. (This should not include cash out amount of subject
    loan.)	Borrower
    Qualification	Numeric
    – Decimal	3242.76	9(9).99	Always	>=
    0	 	 	 
	114	Monthly
    Debt All Borrowers	The
    aggregate monthly payment due on other debt (excluding only installment loans with fewer than 10 payments remaining and other
    real estate loans used to compute net rental income-- which is added/subtracted in the income fields).	Borrower
    Qualification	Numeric
    – Decimal	3472.43	9(9).99	Always	>=
    0	 	 	 
	115	Originator
    DTI	Total
    Debt to income ratio used by the originator to qualify the loan.	Borrower
    Qualification	Numeric
    – Decimal	0.35	9.999999	Always	>=
    0 and >= 1	 	 	 
	116	Fully
    Indexed Rate	The
    fully indexed interest rate as of securitization cut-off.	Borrower
    Qualification	Numeric
    – Decimal	0.0975	9.999999	ARMs
    Only	>=
    0 and >= 1	 	 	 
	117	Qualification
    Method	Type
    of mortgage payment used to qualify the borrower for the loan.	Borrower
    Qualification	Numeric
    – Integer	3	99	Always	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Start
                                                                                                                                                           Rate

        2 = First Year Cap Rate

        3 = I/O Amount

        4 = Fully Indexed

        5 = Min Payment

        98 = Other

        99 = Unknown
	 	 
	118	Percentage
    of Down Payment from Borrower Own Funds	Include
    only borrower funds, do not include any gift or borrowed funds. (Issuers may provide the actual percentage for each loan,
    or the guideline percentage and note departure concentration on the transaction summary.)	Borrower
    Qualification	Numeric
    – Decimal	0.5	9.999999	Purchase
    Loans Only	>=
    0 and >= 1	 	 	 
	119	City	The
    name of the city.	Subject
    Property	Text	New
    York	X(45)	Always	Unk=Unknown	 	 	 
	120	State	The
    name of the state as a 2-digit Abbreviation.	Subject
    Property	Text	NY	XX	Always	See
    Coding	See
    Appendix H	 	 
	121	Postal
    Code	The
    postal code (zip code in the US) where the subject property is located.	Subject
    Property	Text	10022	X(5)	Always	Unk=Unknown	 	 	 
	122	Property
    Type	Specifies
    the type of property being used to secure the loan.	Subject
    Property	Numeric
    – Integer	11	99	Always	See
    Coding	See
    Appendix D	 	 
	123	Occupancy	Specifies
    the property occupancy status (e.g., owner-occupied, investment property, second home, etc.).	Subject
    Property	Numeric
    – Integer	4	9	Always	See
    Coding	See
    Appendix E	 	 
	124	Sales
    Price	The
    negotiated price of a given property between the buyer and seller.	Subject
    Property	Numeric
    – Decimal	450000.23	9(10).99	Purchase
    Loans Only	>
    0	 	 	 
	125	Original
    Appraised Property Value	The
    appraised value of the property used to approve the loan.	Subject
    Property	Numeric
    – Decimal	550000.23	9(10).99	Always	>
    0	 	 	 
	126	Original
    Property Valuation Type	Specifies
    the method by which the property value (at the time of underwriting) was reported.	Subject
    Property	Numeric
    – Integer	8	99	Always	See
    Coding	See
    Appendix F	 	 
	127	Original
    Property Valuation Date	Specifies
    the date on which the original property value (at the time of underwriting) was reported. (Issuers unable to provide may
    Rep and Warrant that the appraisal used for underwriting was not more than x days old at time of loan closing.)	Subject
    Property	Date	20090914	YYYYMMDD	Always	“19010101”
    if unknown	 	 	 
	128	Original
    Automated Valuation Model (AVM) Model Name	The
    name of the AVM Vendor if an AVM was used to determine the original property valuation.	Subject
    Property	Numeric
    – Integer	1	99	Always	See
    Appendix I	See
    Appendix I	 	 
	129	Original
    AVM Confidence Score	The
    confidence range presented on the AVM report.	Subject
    Property	Numeric
    – Decimal	0.74	9.999999	If
    AVM Model Name (Field 127) > 0	>=
    0 to <= 1	 	 	 
	130	Most
    Recent Property Value[1]	If
    a valuation was obtained subsequent to the valuation used to calculate LTV, the most recent property value.	Subject
    Property	Numeric
    – Decimal	500000	9(10).99	If
    updated value was obtained subsequent to loan approval	>
    0	 	 	 
	131	Most
    Recent Property Valuation Type	If
    an additional property valuation was obtained after the valuation used for underwriting purposes, the method by which the
    property value was reported.	Subject
    Property	Numeric
    – Integer	6	9	If
    updated value was obtained subsequent to loan approval	See
    Coding	See
    Appendix F	 	 
	132	Most
    Recent Property Valuation Date	Specifies
    the date on which the updated property value was reported.	Subject
    Property	Date	20090914	YYYYMMDD	If
    updated value was obtained subsequent to loan approval	“19010101”
    if unknown	 	 	 
	133	Most
    Recent AVM Model Name	The
    name of the AVM Vendor if an AVM was used to determine the updated property valuation.	Subject
    Property	Numeric
    – Integer	19	99	If
    updated value was obtained subsequent to loan approval	See
    Coding	See
    Appendix I	 	 
	134	Most
    Recent AVM Confidence Score	If
    AVM used to determine the updated property valuation, the confidence range presented on the AVM report.	Subject
    Property	Numeric
    – Decimal	0.85	9.999999	If
    “Most Recent AVM Model Name” > 0	>=
    0 to <= 1	 	 	 
	135	Original
    CLTV	The
    ratio obtained by dividing the amount of all known outstanding mortgage liens on a property at origination by the lesser of
    the appraised value or the sales price.  The value is then truncated to four decimal places.	Loan-to-Value
    (LTV)	Numeric
    – Decimal	0.96	9.999999	Always	>=
    0 and <= 1.5	 	 	 
	136	Original
    LTV	The
    ratio obtained by dividing the original mortgage loan amount on the note date by the lesser of the mortgaged property’s
    appraised value on the note date or its purchase price.  The value is then truncated to four decimal places.	Loan-to-Value
    (LTV)	Numeric
    – Decimal	0.8	9.999999	Always	>=
    0 and <= 1.25	 	 	 
	137	Original
    Pledged Assets	The
    total value of assets pledged as collateral for the loan at the time of origination. Pledged assets may include cash or marketable
    securities.	Loan-to-Value
    (LTV)	Numeric
    – Decimal	75000	9(10).99	Always	>=0	 	 	 
	138	Mortgage
    Insurance Company Name	The
    name of the entity providing mortgage insurance for a loan.	Mortgage
    Insurance	Numeric
    – Integer	3	99	Always	See
    Coding	See
    Appendix G	 	 
	139	Mortgage
    Insurance Percent	Mortgage
    Insurance coverage percentage.	Mortgage
    Insurance	Numeric
    – Decimal	0.25	9.999999	“Mortgage
    Insurance Company Name” > 0	>=
    0 to <= 1	 	 	 
	140	MI:
    Lender or Borrower Paid?	An
    indicator of whether mortgage insurance is paid by the borrower or the lender.	Mortgage
    Insurance	Numeric
    – Integer	1	99	“Mortgage
    Insurance Company Name” > 0	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Borrower-Paid

        2 = Lender- Paid

        99 = Unknown
	 	 
	141	Pool
    Insurance Co. Name	Name
    of pool insurance provider.	Mortgage
    Insurance	Numeric
    – Integer	8	99	Always	See
    Coding	See
    Appendix G	 	 
	142	Pool
    Insurance Stop Loss %	The
    aggregate amount that a pool insurer will pay, calculated as a percentage of the pool balance.	Mortgage
    Insurance	Numeric
    – Decimal	0.25	9.999999	Pool
    MI Company > 0	>=
    0 to <= 1	 	 	 
	143	MI
    Certificate Number	The
    unique number assigned to each individual loan insured under an MI policy.	Mortgage
    Insurance	Text	123456789G	X(20)	MI
                                                                                                                                                           Company

        >
        0
	UNK
    = Unknown	 	 	 
	144	Updated
                                                                                                                                                           DTI

        (Front-end)
	Updated
    front-end DTI ratio (total monthly housing expense divided by total monthly income) used to qualify the loan modification.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	0.35	9.999999	Modified
    Loans Only	>=
    0 and >= 1	 	 	 
	145	Updated
                                                                                                                                                           DTI

        (Back-end)
	Updated
    back-end DTI ratio (total monthly debt expense divided by total monthly income) used to qualify the loan modification.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	0.35	9.999999	Modified
    Loans Only	>=
    0 and >= 1	 	 	 
	146	Modification
    Effective Payment Date	Date
    of first payment due post modification.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Date	20090914	YYYYMMDD	Modified
    Loans Only	“19010101”
    if unknown	 	 	 
	147	Total
    Capitalized Amount	Amount
    added to the principal balance of a loan due to the modification.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	12000	9(10).99	Modified
    Loans Only	>=
    0	 	 	 
	148	Total
    Deferred Amount	Any
    non-interest-bearing deferred amount (e.g., principal, interest and fees).	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	12000	9(10).99	Modified
    Loans Only	>=
    0	 	 	 
	149	Pre-Modification
    Interest (Note) Rate	Scheduled
    Interest Rate Of The Loan Immediately Preceding The Modification Effective Payment Date.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	0.075	9.999999	Modified
    Loans Only	>=
    0 to <= 1	 	 	 
	150	Pre-Modification
    P&I Payment	Scheduled
    Total Principal And Interest Payment Amount Preceding The Modification Effective Payment Date – or if servicer is no
    longer advancing P&I, the payment that would be in effect if the loan were current.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	2310.57	9(10).99	Modified
    Loans Only	>
    0	 	 	 
	151	Pre-Modification
    Initial Interest Rate Change Downward Cap	Maximum
    amount the rate can adjust downward on the first interest rate adjustment date (prior to modification) – Only provide
    if the rate floor is modified.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	0.015	9.999999	Modified
    Loans Only	>=
    0 to <= 1	 	 	 
	152	Pre-Modification
    Subsequent Interest Rate Cap	Maximum
    increment the rate can adjust upward AFTER the initial rate adjustment (prior to modification) – Only provide if the
    Cap is modified.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	0.015	9.999999	Modified
    Loans Only	>=
    0 to <= 1	 	 	 
	153	Pre-Modification
    Next Interest Rate Change Date	Next
    Interest Reset Date Under The Original Terms Of The Loan (one month prior to new payment due date).	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Date	20090914	YYYYMMDD	Modified
    Loans Only	“19010101”
    if unknown	 	 	 
	154	Pre-Modification
    I/O Term	Interest
    Only Term (in months) preceding The Modification Effective Payment Date.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Integer	36	999	Modified
    Loans Only	>=
    0 to <= 120	 	 	 
	155	Forgiven
    Principal Amount	The
    sum total of all principal balance reductions (as a result of loan modification) over the life of the loan.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	12000	9(10).99	Modified
    Loans Only	>=
    0	 	 	 
	156	Forgiven
    Interest Amount	The
    sum total of all interest incurred and forgiven (as a result of loan modification) over the life of the loan.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	12000	9(10).99	Modified
    Loans Only	>=
    0	 	 	 
	157	Number
    of Modifications	The
    number of times the loan has been modified.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Integer	1	9	Modified
    Loans Only	>=
    0	 	 	 
	158	Cash
    To/From Brrw at Closing	Indicates
    the amount of cash the borrower(s) paid into or received at closing. 
 
 [HUD-1 Bottom Line] + [Earnest money] + [Paid
    Outside Closing Items]	 	Numeric
    – Decimal	100000.01	9(10).99	 	 	 	 	 
	159	Brrw
    - Yrs at in Industry	Number
    of years the primary borrower has been working in their current industry	 	Numeric
    – Decimal	9.9	9.999999	 	 	 	 	 
	160	CoBrrw
    - Yrs at in Industry	Number
    of years the co-borrower has been working in their current industry	 	Numeric
    – Decimal	8	9.999999	 	 	 	 	 
	161	Junior
    Mortgage Drawn Amount	Applicable
    if the subject loan is a first mortgage.   At the time of origination for the subject loan, the sum of the outstanding
    balance(s) for any junior mortgages (HELOCs and closed-end).	 	Numeric
    – Decimal	100000.01	9(10).99	 	 	 	 	 
	162	Maturity
    Date	Maturity
    date of mortgage	 	Date	20420501	YYYYMMDD	 	 	 	 	 
	163	Primary
    Borrower Wage Income (Salary)	The
    primary borrower's salary wage income	 	Numeric
    – Decimal	10000.44	9(10).99	 	 	 	 	 
	164	Primary
    Borrower Wage Income (Bonus)	The
    primary borrower's bonus wage income	 	Numeric
    – Decimal	10000.44	9(10).99	 	 	 	 	 
	165	Primary
    Borrower Wage Income (Commission)	The
    primary borrower's commission wage income	 	Numeric
    – Decimal	10000.44	9(10).99	 	 	 	 	 
	166	Co-Borrower
    Wage Income (Salary)	The
    coborrower's salary wage income	 	Numeric
    – Decimal	10000.44	9(10).99	 	 	 	 	 
	167	Co-Borrower
    Wage Income (Bonus)	The
    coborrower's bonus wage income	 	Numeric
    – Decimal	10000.44	9(10).99	 	 	 	 	 
	168	Co-Borrower
    Wage Income (Commission)	The
    coborrower's commission wage income	 	Numeric
    – Decimal	10000.44	9(10).99	 	 	 	 	 
	169	Originator
    Doc Code	Documentation
    Code value as presented by the seller.	 	Text	Full	XXXX	 	 	 	 	 
	170	RWT
    Income Verification	Internal
    Redwood Derived field.  Due Diligence / Trade Desk derived value indicating the level of primary borrower asset verification	 	Text	2
    Years	XXXX	 	 	 	 	 
	171	RWT
    Asset Verification	Internal
    Redwood Derived field.  Due Diligence / Trade Desk derived value indicating the level of primary borrower Income verification	 	Text	2
    Months	XXXX	 	 	 	 	 
	MH-1	Real
    Estate Interest	Indicates
    whether the property on which the manufactured home is situated is owned outright or subject to the terms of a short- or long-term
    lease. (A long-term lease is defined as a lease whose term is greater than or equal to the loan term.)	Manufactured
    Housing	Numeric
    – Integer	2	99	Manufactured
    Housing Loans Only	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Owned

        2 = Short-term lease

        3 = Long-term lease

        99 = Unavailable
	 	 
	MH-2	Community
    Ownership Structure	If
    the manufactured home is situated in a community, a means of classifying ownership of the community.	Manufactured
    Housing	Numeric
    – Integer	2	99	Manufactured
    Housing Loans Only	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Public
                                                                                                                                                           Institutional

        2 = Public Non-Institutional

        3 = Private Institutional

        4 = Private Non-Institutional

        5 = HOA-Owned

        6 = Non-Community

        99 = Unavailable
	 	 
	MH-3	Year
    of Manufacture	The
    year in which the home was manufactured (Model Year -- YYYY Format). Required only in cases where a full appraisal is not
    provided.	Manufactured
    Housing	Numeric
    – Integer	2006	YYYY	Manufactured
    Housing Loans Only	1901
    = Unavailable	 	 	 
	MH-4	HUD
    Code Compliance  Indicator (Y/N)	Indicates
    whether the home was constructed in accordance with the 1976 HUD code. In general, homes manufactured after 1976 comply with
    this code.	Manufactured
    Housing	Numeric
    – Integer	1	9	Manufactured
    Housing Loans Only	See
    Codes	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unavailable
	 	 
	MH-5	Gross
    Manufacturer’s Invoice Price	The
    total amount that appears on the manufacturer’s invoice (typically includes intangible costs such as transportation,
    association, on-site setup, service and warranty costs, taxes, dealer incentives, and other fees).	Manufactured
    Housing	Numeric
    – Decimal	72570.62	9(10).99	Manufactured
    Housing Loans Only	>=
    0	 	 	 
	MH-6	LTI
    (Loan-to-Invoice) Gross	The
    ratio of the loan amount divided by the Gross Manufacturer’s Invoice Price (Field MH-5).	Manufactured
    Housing	Numeric
    – Decimal	0.75	9.999999	Manufactured
    Housing Loans Only	>=
    0 to <= 1	 	 	 
	MH-7	Net
    Manufacturer’s Invoice Price	The
    Gross Manufacturer’s Invoice Price (Field MH-5) minus intangible costs, including: transportation, association,
    on-site setup, service, and warranty costs, taxes, dealer incentives, and other fees.	Manufactured
    Housing	Numeric
    – Decimal	61570.62	9(10).99	Manufactured
    Housing Loans Only	>=
    0	 	 	 
	MH-8	LTI
    (Net)	The
    ratio of the loan amount divided by the Net Manufacturer’s Invoice Price (Field MH-7).	Manufactured
    Housing	Numeric
    – Decimal	0.62	9.999999	Manufactured
    Housing Loans Only	>=
    0 to <= 1	 	 	 
	MH-9	Manufacturer
    Name	The
    manufacturer of the subject property. (To be applied only in cases where no appraised value/other type of property valuation
    is available.)	Manufactured
    Housing	Text	“XYZ
    Corp”	Char
    (100)	Manufactured
    Housing Loans Only (where no appraised value is provided)	MH
    Manufacturer name in double quotation marks	 	 	 
	MH-10	Model
    Name	The
    model name of the subject property. (To be applied only in cases where no appraised value/other type of property valuation
    is available.)	Manufactured
    Housing	Text	“DX5-916-X”	Char
    (100)	Manufactured
    Housing Loans Only (where no appraised value is provided)	MH
    Model name in double quotation marks	 	 	 
	MH-11	Down
    Payment Source	An
    indicator of the source of the down payment used by the borrower to acquire the property and qualify for the mortgage.	Manufactured
    Housing	Numeric
    – Integer	2	99	Manufactured
    Housing Loans Only	See
    Codes	1
                                                                                                                                                           =
                                                                                                                                                           Cash

        2 = Proceeds from trade
        in

        3 = Land in Lieu

        4 = Other

        99 = Unavailable
	 	 
	MH-12	Community/Related
    Party Lender (Y/N)	An
    indicator of whether the loan was made by the community owner, an affiliate of the community owner or the owner of the real
    estate upon which the collateral is located.	Manufactured
    Housing	Numeric
    – Integer	1	99	Manufactured
    Housing Loans Only	See
    Codes	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unavailable
	 	 
	MH-13	Defined
    Underwriting Criteria (Y/N)	An
    indicator of whether the loan was made in accordance with a defined and/or standardized set of underwriting criteria.	Manufactured
    Housing	Numeric
    – Integer	1	99	Manufactured
    Housing Loans Only	See
    Codes	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unavailable
	 	 
	MH-14	Chattel
    Indicator	An
    Indicator of whether the secured property is classified as chattel or Real Estate.	Manufactured
    Housing	Numeric
    – Integer	1	99	Manufactured
    Housing Loans Only	See
    Codes	0
                                                                                                                                                           =
                                                                                                                                                           Real
                                                                                                                                                           Estate

        1 = Chattel

        99 = Unavailable
	 	 


 


 







 


 



    	27



    	 



    

 


ATTACHMENT
1B


 


MORTGAGE
LOAN SCHEDULE





 





	 	1	2	3	4	5	6	7	8	9	10
	KEY	Primary Servicer	Servicing Fee %	Servicing Fee—Flatdollar	Servicing Advance Methodology	Originator	Loan Group	Loan Number	Amortization Type	Lien Position	HELOC Indicator
	1	1002338	0.002500	 	 	1002338	Barclays Capital	3500003165	1	1	0
	2	1002338	0.002500	 	 	1002338	Barclays Capital	3500003168	1	1	0
	3	1002338	0.002500	 	 	1002338	Barclays Capital	3500003169	1	1	0
	4	1002338	0.002500	 	 	1002338	Barclays Capital	3500003172	1	1	0
	5	1002338	0.002500	 	 	1002338	Barclays Capital	3500003175	1	1	0
	6	1002338	0.002500	 	 	1002338	Barclays Capital	3500003176	1	1	0
	7	1002338	0.002500	 	 	1002338	Barclays Capital	3500003177	1	1	0
	8	1002338	0.002500	 	 	1002338	Barclays Capital	3500003180	1	1	0
	9	1002338	0.002500	 	 	1002338	Barclays Capital	3500003182	1	1	0
	10	1002338	0.002500	 	 	1002338	Barclays Capital	3500003183	1	1	0
	11	1002338	0.002500	 	 	1002338	Barclays Capital	3500003191	1	1	0
	12	1002338	0.002500	 	 	1002338	Barclays Capital	3500003194	1	1	0
	13	1002338	0.002500	 	 	1002338	Barclays Capital	3500003197	1	1	0
	14	1002338	0.002500	 	 	1002338	Barclays Capital	3500003201	1	1	0
	15	1002338	0.002500	 	 	1002338	Barclays Capital	3500003203	1	1	0
	16	1002338	0.002500	 	 	1002338	Barclays Capital	3500003207	1	1	0
	17	1002338	0.002500	 	 	1002338	Barclays Capital	3500003208	1	1	0
	18	1002338	0.002500	 	 	1002338	Barclays Capital	3500003209	1	1	0
	19	1002338	0.002500	 	 	1002338	Barclays Capital	3500003212	1	1	0
	20	1002338	0.002500	 	 	1002338	Barclays Capital	3500003213	1	1	0
	21	1002338	0.002500	 	 	1002338	Barclays Capital	3500003214	1	1	0
	22	1002338	0.002500	 	 	1002338	Barclays Capital	3500003216	1	1	0
	23	1002338	0.002500	 	 	1002338	Barclays Capital	3500003217	1	1	0
	24	1002338	0.002500	 	 	1002338	Barclays Capital	3500003223	1	1	0
	25	1002338	0.002500	 	 	1002338	Barclays Capital	3500003224	1	1	0
	26	1002338	0.002500	 	 	1002338	Barclays Capital	3500003227	1	1	0







 


 





	 	11	12	13	14	15	16	17	18	19	20
	KEY	Loan Purpose	Cash Out Amount	Total Origination and Discount Points	Covered/High Cost Loan Indicator	Relocation Loan Indicator	Broker Indicator	Channel	Escrow Indicator	Senior Loan
 Amount(s)	Loan Type of Most
 Senior Lien
	1	7	 	 	 	 	 	1	0	0	 
	2	9	 	 	 	 	 	1	0	0	 
	3	3	 	 	 	 	 	1	0	0	 
	4	9	 	 	 	 	 	1	0	0	 
	5	9	 	 	 	 	 	1	0	0	 
	6	7	 	 	 	 	 	1	4	0	 
	7	9	 	 	 	 	 	1	0	0	 
	8	9	 	 	 	 	 	1	0	0	 
	9	3	 	 	 	 	 	1	0	0	 
	10	9	 	 	 	 	 	1	0	0	 
	11	9	 	 	 	 	 	1	0	0	 
	12	7	 	 	 	 	 	1	0	0	 
	13	7	 	 	 	 	 	1	0	0	 
	14	7	 	 	 	 	 	1	0	0	 
	15	9	 	 	 	 	 	1	0	0	 
	16	7	 	 	 	 	 	1	0	0	 
	17	9	 	 	 	 	 	1	0	0	 
	18	9	 	 	 	 	 	1	0	0	 
	19	7	 	 	 	 	 	1	0	0	 
	20	9	 	 	 	 	 	1	0	0	 
	21	9	 	 	 	 	 	1	0	0	 
	22	6	 	 	 	 	 	1	0	0	 
	23	9	 	 	 	 	 	1	0	0	 
	24	6	 	 	 	 	 	1	0	0	 
	25	7	 	 	 	 	 	1	0	0	 
	26	6	 	 	 	 	 	1	0	0	 







 





	 	21	22	23	24	25	26	27	28	29	30
	KEY	Hybrid Period of
 Most Senior Lien (in
 months)	Neg Am Limit of
 Most Senior Lien	Junior Mortgage
 Balance	Origination Date of
 Most Senior Lien	Origination Date	Original Loan
 Amount	Original Interest
 Rate	Original
 Amortization Term	Original Term to
 Maturity	First Payment Date
 of Loan
	1	 	 	0.00	 	20111221	1650000.00	0.041000	360	360	20120201
	2	 	 	306000.00	 	20111123	1950000.00	0.041000	360	360	20120101
	3	 	 	0.00	 	20111117	910000.00	0.044000	360	360	20120101
	4	 	 	0.00	 	20111220	760000.00	0.044000	360	360	20120201
	5	 	 	0.00	 	20111122	1171500.00	0.043000	360	360	20120101
	6	 	 	0.00	 	20111115	1500000.00	0.045000	360	360	20120101
	7	 	 	125000.00	 	20111121	905000.00	0.042500	360	360	20120101
	8	 	 	250000.00	 	20111201	925000.00	0.044500	360	360	20120101
	9	 	 	0.00	 	20111128	1038050.00	0.043000	360	360	20120101
	10	 	 	0.00	 	20111222	1050000.00	0.042500	360	360	20120201
	11	 	 	326000.00	 	20111207	1673633.00	0.042500	360	360	20120101
	12	 	 	0.00	 	20111114	1960000.00	0.042500	360	360	20120101
	13	 	 	0.00	 	20111129	1650000.00	0.045000	360	360	20120101
	14	 	 	0.00	 	20111129	915000.00	0.043000	360	360	20120101
	15	 	 	500000.00	 	20111215	960000.00	0.042000	360	360	20120201
	16	 	 	0.00	 	20111129	606000.00	0.043000	360	360	20120101
	17	 	 	100000.00	 	20111221	1580000.00	0.044000	360	360	20120201
	18	 	 	0.00	 	20111220	1100000.00	0.044000	360	360	20120201
	19	 	 	0.00	 	20111228	1420000.00	0.041500	360	360	20120201
	20	 	 	125000.00	 	20111228	850000.00	0.044500	360	360	20120201
	21	 	 	100100.00	 	20111222	690000.00	0.044000	360	360	20120201
	22	 	 	108500.00	 	20111208	759500.00	0.043500	360	360	20120201
	23	 	 	200000.00	 	20111230	2335000.00	0.041500	360	360	20120201
	24	 	 	0.00	 	20111222	841600.00	0.043000	360	360	20120201
	25	 	 	0.00	 	20111229	838250.00	0.043500	360	360	20120201
	26	 	 	120000.00	 	20111229	920000.00	0.042500	360	360	20120201







 


 





	 	31	32	33	34	35	36	37	38	39	40
	KEY	Interest Type
 Indicator	Original Interest
 Only Term	Buy Down Period	HELOC Draw Period	Current Loan
 Amount	Current Interest
 Rate	Current Payment
 Amount Due	Interest Paid
 Through Date	Current Payment
 Status	Index Type
	1	1	0	0	0	1638243.53	0.041000	7972.77	20120601	0	0
	2	1	120	0	0	1950000.00	0.041000	6662.50	20120601	0	0
	3	1	0	0	0	887322.20	0.044000	4556.92	20120601	0	0
	4	1	0	0	0	754866.89	0.044000	3805.78	20120601	0	0
	5	1	0	0	0	1161816.34	0.043000	5797.42	20120601	0	0
	6	1	0	0	0	1488036.64	0.045000	7600.28	20120601	0	0
	7	1	0	0	0	892349.34	0.042500	4452.06	20120601	0	0
	8	1	0	0	0	911794.82	0.044500	4659.40	20120601	0	0
	9	1	0	0	0	1029469.40	0.043000	5137.01	20120601	0	0
	10	1	0	0	0	1042715.49	0.042500	5165.37	20120601	0	0
	11	1	0	0	0	1659675.00	0.042500	8233.27	20120601	0	0
	12	1	0	0	0	1943653.69	0.042500	9642.02	20120601	0	0
	13	1	0	0	0	1636840.29	0.045000	8360.31	20120601	0	0
	14	1	0	0	0	907436.55	0.043000	4528.07	20120601	0	0
	15	1	0	0	0	953280.28	0.042000	4694.56	20120601	0	0
	16	1	0	0	0	600990.74	0.043000	2998.92	20120601	0	0
	17	1	0	0	0	1569328.54	0.044000	7912.02	20120601	0	0
	18	1	0	0	0	1092570.48	0.044000	5508.37	20120601	0	0
	19	1	0	0	0	1409971.69	0.041500	6902.67	20120601	0	0
	20	1	0	0	0	844310.32	0.044500	4281.61	20120601	0	0
	21	1	0	0	0	685339.64	0.044000	3455.25	20120601	0	0
	22	1	0	0	0	754324.09	0.043500	3780.88	20120601	0	0
	23	1	0	0	0	2318509.77	0.041500	11350.51	20120601	0	0
	24	1	0	0	0	835813.14	0.043000	4164.84	20120601	0	0
	25	1	0	0	0	832537.47	0.043500	4172.91	20120601	0	0
	26	1	0	0	0	913617.36	0.042500	4525.85	20120601	0	0







 





	 	41	42	43	44	45	46	47	48	49	50
	KEY	ARM Look-back
 Days	Gross Margin	ARM Round Flag	ARM Round Factor	Initial Fixed Rate
 Period	Initial Interest Rate
 Cap (Change Up)	Initial Interest Rate
 Cap (Change Down)	Subsequent Interest
 Rate Reset Period	Subsequent Interest
 Rate Cap (Change Down)	Subsequent Interest
 Rate Cap (Change
 Up)
	1	 	 	 	 	 	 	 	 	 	 
	2	 	 	 	 	 	 	 	 	 	 
	3	 	 	 	 	 	 	 	 	 	 
	4	 	 	 	 	 	 	 	 	 	 
	5	 	 	 	 	 	 	 	 	 	 
	6	 	 	 	 	 	 	 	 	 	 
	7	 	 	 	 	 	 	 	 	 	 
	8	 	 	 	 	 	 	 	 	 	 
	9	 	 	 	 	 	 	 	 	 	 
	10	 	 	 	 	 	 	 	 	 	 
	11	 	 	 	 	 	 	 	 	 	 
	12	 	 	 	 	 	 	 	 	 	 
	13	 	 	 	 	 	 	 	 	 	 
	14	 	 	 	 	 	 	 	 	 	 
	15	 	 	 	 	 	 	 	 	 	 
	16	 	 	 	 	 	 	 	 	 	 
	17	 	 	 	 	 	 	 	 	 	 
	18	 	 	 	 	 	 	 	 	 	 
	19	 	 	 	 	 	 	 	 	 	 
	20	 	 	 	 	 	 	 	 	 	 
	21	 	 	 	 	 	 	 	 	 	 
	22	 	 	 	 	 	 	 	 	 	 
	23	 	 	 	 	 	 	 	 	 	 
	24	 	 	 	 	 	 	 	 	 	 
	25	 	 	 	 	 	 	 	 	 	 
	26	 	 	 	 	 	 	 	 	 	 







 





	 	51	52	53	54	55	56	57	58	59	60
	KEY	Lifetime Maximum
 Rate (Ceiling)	Lifetime Minimum
 Rate (Floor)	Negative
 Amortization Limit	Initial Negative
 Amortization Recast
 Period	Subsequent
 Negative
 Amortization Recast
 Period	Initial Fixed
 Payment Period	Subsequent
 Payment Reset
 Period	Initial Periodic
 Payment Cap	Subsequent
 Periodic Payment
 Cap	Initial Minimum
 Payment Reset
 Period
	1	 	 	 	 	 	 	 	 	 	 
	2	 	 	 	 	 	 	 	 	 	 
	3	 	 	 	 	 	 	 	 	 	 
	4	 	 	 	 	 	 	 	 	 	 
	5	 	 	 	 	 	 	 	 	 	 
	6	 	 	 	 	 	 	 	 	 	 
	7	 	 	 	 	 	 	 	 	 	 
	8	 	 	 	 	 	 	 	 	 	 
	9	 	 	 	 	 	 	 	 	 	 
	10	 	 	 	 	 	 	 	 	 	 
	11	 	 	 	 	 	 	 	 	 	 
	12	 	 	 	 	 	 	 	 	 	 
	13	 	 	 	 	 	 	 	 	 	 
	14	 	 	 	 	 	 	 	 	 	 
	15	 	 	 	 	 	 	 	 	 	 
	16	 	 	 	 	 	 	 	 	 	 
	17	 	 	 	 	 	 	 	 	 	 
	18	 	 	 	 	 	 	 	 	 	 
	19	 	 	 	 	 	 	 	 	 	 
	20	 	 	 	 	 	 	 	 	 	 
	21	 	 	 	 	 	 	 	 	 	 
	22	 	 	 	 	 	 	 	 	 	 
	23	 	 	 	 	 	 	 	 	 	 
	24	 	 	 	 	 	 	 	 	 	 
	25	 	 	 	 	 	 	 	 	 	 
	26	 	 	 	 	 	 	 	 	 	 







 





	 	61	62	63	64	65	66	67	68	69	70
	KEY	Subsequent
 Minimum Payment
 Reset Period	Option ARM
 Indicator	Options at Recast	Initial Minimum
 Payment	Current Minimum
 Payment	Prepayment Penalty
 Calculation	Prepayment Penalty
 Type	Prepayment Penalty
 Total Term	Prepayment Penalty
 Hard Term	Primary Borrower ID
	1	 	 	 	 	 	99	99	60	 	128
	2	 	 	 	 	 	99	99	60	 	15
	3	 	 	 	 	 	99	99	60	 	11
	4	 	 	 	 	 	99	99	60	 	225
	5	 	 	 	 	 	99	99	60	 	293
	6	 	 	 	 	 	99	99	60	 	290
	7	 	 	 	 	 	99	99	60	 	312
	8	 	 	 	 	 	99	99	60	 	47
	9	 	 	 	 	 	99	99	60	 	237
	10	 	 	 	 	 	99	99	60	 	273
	11	 	 	 	 	 	99	99	60	 	146
	12	 	 	 	 	 	99	99	60	 	57
	13	 	 	 	 	 	99	99	60	 	224
	14	 	 	 	 	 	99	99	60	 	81
	15	 	 	 	 	 	99	99	60	 	292
	16	 	 	 	 	 	99	99	60	 	68
	17	 	 	 	 	 	99	99	60	 	265
	18	 	 	 	 	 	99	99	60	 	28
	19	 	 	 	 	 	99	99	60	 	253
	20	 	 	 	 	 	99	99	60	 	277
	21	 	 	 	 	 	99	99	60	 	201
	22	 	 	 	 	 	99	99	60	 	309
	23	 	 	 	 	 	99	99	60	 	285
	24	 	 	 	 	 	99	99	60	 	55
	25	 	 	 	 	 	99	99	60	 	231
	26	 	 	 	 	 	99	99	60	 	80







 


 





	 	71	72	73	74	75	76	77	78	79	80
	KEY	Number of
 Mortgaged
 Properties	Total Number of
 Borrowers	Self-employment
 Flag	Current ‘Other’
 Monthly Payment	Length of
 Employment:
 Borrower	Length of
 Employment: Co-
 Borrower	Years in Home	FICO Model Used	Most Recent FICO
 Date	Primary Wage
 Earner Original
 FICO: Equifax
	1	2	 	0	 	1	0	0	1	5/16/2012	 
	2	1	 	0	 	3	6	1	1	5/16/2012	 
	3	1	 	0	 	20	22	8	1	5/16/2012	 
	4	1	 	0	 	4	4	4	1	5/16/2012	 
	5	1	 	1	 	6	11	2	1	5/16/2012	 
	6	5	 	1	 	20	 	0	1	5/16/2012	 
	7	2	 	0	 	3	 	2	1	5/16/2012	 
	8	1	 	0	 	0	 	5	1	 	 
	9	7	 	1	 	23	2	5	1	 	 
	10	2	 	0	 	6	1	1	1	5/16/2012	 
	11	1	 	0	 	3	2	4	1	5/16/2012	 
	12	1	 	0	 	5	5	0	1	5/16/2012	 
	13	1	 	0	 	4	2	0	1	5/16/2012	 
	14	2	 	0	 	15	 	0	1	5/16/2012	 
	15	2	 	1	 	20	14	20	1	5/16/2012	 
	16	2	 	0	 	0	 	0	1	5/16/2012	 
	17	1	 	0	 	2	 	10	1	5/16/2012	 
	18	1	 	0	 	4	7	4	1	5/16/2012	 
	19	2	 	0	 	2	25	0	1	5/16/2012	 
	20	2	 	0	 	16	16	12	1	5/16/2012	 
	21	1	 	0	 	10	29	11	1	 	 
	22	1	 	0	 	2	 	0	1	5/16/2012	 
	23	2	 	1	 	10	10	2	1	5/16/2012	 
	24	1	 	0	 	3	8	0	1	5/16/2012	 
	25	1	 	1	 	31	5	0	1	 	 
	26	2	 	0	 	4	 	0	1	5/16/2012	 







 





	 	81	82	83	84	85	86	87	88	89	90
	KEY	Primary Wage
 Earner Original
 FICO: Experian	Primary Wage
 Earner Original
 FICO: TransUnion	Secondary Wage
 Earner Original
 FICO: Equifax	Secondary Wage
 Earner Original
 FICO: Experian	Secondary Wage
 Earner Original
 FICO: TransUnion	Original
 Primary Borrower
 FICO	Most Recent
 Primary Borrower
 FICO	Most Recent Co-
 Borrower FICO	Most Recent FICO
 Method	VantageScore:
 Primary Borrower
	1	 	 	 	 	 	763	778	 	 	 
	2	 	 	 	 	 	779	753	 	 	 
	3	 	 	 	 	 	782	739	 	 	 
	4	 	 	 	 	 	808	790	 	 	 
	5	 	 	 	 	 	796	796	 	 	 
	6	 	 	 	 	 	744	707	 	 	 
	7	 	 	 	 	 	760	789	 	 	 
	8	 	 	 	 	 	801	 	 	 	 
	9	 	 	 	 	 	783	 	 	 	 
	10	 	 	 	 	 	783	761	 	 	 
	11	 	 	 	 	 	760	754	 	 	 
	12	 	 	 	 	 	800	801	 	 	 
	13	 	 	 	 	 	796	788	 	 	 
	14	 	 	 	 	 	758	760	 	 	 
	15	 	 	 	 	 	706	779	 	 	 
	16	 	 	 	 	 	809	800	 	 	 
	17	 	 	 	 	 	743	746	 	 	 
	18	 	 	 	 	 	794	783	 	 	 
	19	 	 	 	 	 	803	789	 	 	 
	20	 	 	 	 	 	791	792	 	 	 
	21	 	 	 	 	 	760	 	 	 	 
	22	 	 	 	 	 	767	767	 	 	 
	23	 	 	 	 	 	791	778	 	 	 
	24	 	 	 	 	 	709	682	 	 	 
	25	 	 	 	 	 	757	 	 	 	 
	26	 	 	 	 	 	732	721	 	 	 







 





	 	91	92	93	94	95	96	97	98	99	100
	KEY	VantageScore: Co-
 Borrower	Most Recent
 VantageScore
 Method	VantageScore Date	Credit Report:
 Longest Trade Line	Credit Report:
 Maximum Trade
 Line	Credit Report:
 Number of Trade
 Lines	Credit Line Usage
 Ratio	Most Recent 12-
 month Pay History	Months Bankruptcy	Months Foreclosure
	1	 	 	 	 	 	 	 	000000000000	 	 
	2	 	 	 	 	 	 	 	000000000000	 	 
	3	 	 	 	 	 	 	 	000000000000	 	 
	4	 	 	 	 	 	 	 	000000000000	 	 
	5	 	 	 	 	 	 	 	000000000000	 	 
	6	 	 	 	 	 	 	 	000000000000	 	 
	7	 	 	 	 	 	 	 	000000000000	 	 
	8	 	 	 	 	 	 	 	000000000000	 	 
	9	 	 	 	 	 	 	 	000000000000	 	 
	10	 	 	 	 	 	 	 	000000000000	 	 
	11	 	 	 	 	 	 	 	000000000000	 	 
	12	 	 	 	 	 	 	 	000000000000	 	 
	13	 	 	 	 	 	 	 	000000000000	 	 
	14	 	 	 	 	 	 	 	000000000000	 	 
	15	 	 	 	 	 	 	 	000000000000	 	 
	16	 	 	 	 	 	 	 	000000000000	 	 
	17	 	 	 	 	 	 	 	000000000000	 	 
	18	 	 	 	 	 	 	 	000000000000	 	 
	19	 	 	 	 	 	 	 	000000000000	 	 
	20	 	 	 	 	 	 	 	000000000000	 	 
	21	 	 	 	 	 	 	 	000000000000	 	 
	22	 	 	 	 	 	 	 	000000000000	 	 
	23	 	 	 	 	 	 	 	000000000000	 	 
	24	 	 	 	 	 	 	 	000000000000	 	 
	25	 	 	 	 	 	 	 	000000000000	 	 
	26	 	 	 	 	 	 	 	000000000000	 	 







 





	 	101	102	103	104	105	106	107	108	109	110
	KEY	Primary Borrower
 Wage Income	Co-Borrower Wage
 Income	Primary Borrower
 Other Income	Co-Borrower Other
 Income	All Borrower Wage
 Income	All Borrower Total
 Income	4506-T Indicator	Borrower Income
 Verification Level	Co-Borrower
 Income Verification	Borrower
 Employment
 Verification
	1	22939.40	8333.33	-417.00	0.00	31272.73	30855.73	0	5	 	2
	2	35416.67	4597.67	15270.83	0.00	40014.34	55285.17	0	5	 	2
	3	8197.58	7720.25	0.00	0.00	15917.83	15917.83	0	5	 	2
	4	0.00	2886.37	1315.25	7152.94	2886.37	11354.56	0	5	 	2
	5	3792.00	9395.83	0.00	6758.41	13187.83	19946.24	0	4	 	2
	6	19914.00	 	20356.25	 	19914.00	40270.25	0	4	 	2
	7	8636.00	 	1247.25	 	8636.00	9883.25	0	5	 	2
	8	0.00	0.00	22311.00	0.00	0.00	22311.00	0	5	 	3
	9	11050.00	0.00	9014.00	0.00	11050.00	20064.00	0	5	 	3
	10	0.00	18750.00	326.25	0.00	18750.00	19076.25	0	5	 	2
	11	25000.00	26250.00	0.00	0.00	51250.00	51250.00	0	5	 	2
	12	29166.67	 	15375.00	 	29166.67	44541.67	0	5	 	2
	13	56576.92	 	0.00	 	56576.92	56576.92	0	5	 	2
	14	20800.00	 	9592.00	 	20800.00	30392.00	0	5	 	2
	15	0.00	0.00	-664.00	36772.83	0.00	36108.83	0	4	 	2
	16	12083.33	 	-850.00	 	12083.33	11233.33	0	5	 	2
	17	73384.00	 	0.00	 	73384.00	73384.00	0	5	 	3
	18	12447.00	0.00	19306.00	15993.92	12447.00	47746.92	0	5	 	2
	19	42278.63	11469.54	-7069.00	0.00	53748.17	46679.17	0	5	 	2
	20	0.00	36169.33	-3470.50	0.00	36169.33	32698.83	0	5	 	2
	21	9416.67	0.00	0.00	10830.92	9416.67	20247.59	0	5	 	2
	22	16635.00	 	0.00	 	16635.00	16635.00	0	5	 	2
	23	0.00	 	115000.00	 	0.00	115000.00	0	4	 	2
	24	11375.00	7541.67	0.00	0.00	18916.67	18916.67	0	5	 	2
	25	190004.00	0.00	-637.00	0.00	190004.00	189367.00	0	4	 	3
	26	21238.00	 	0.00	 	21238.00	21238.00	0	5	 	2







 


 





	 	111	112	113	114	115	116	117	118	119	120
	KEY	Co-Borrower
 Employment
 Verification	Borrower Asset
 Verification	Co-Borrower Asset
 Verification	Liquid / Cash
 Reserves	Monthly Debt All
 Borrowers	Originator DTI	Fully Indexed Rate	Qualification
 Method	Percentage of Down
 Payment from
 Borrower Own
 Funds	City
	1	 	4	 	782655.29	9057.98	0.2936	 	 	100	HILLSBOROUGH
	2	 	4	 	184300.00	11339.65	0.2051	 	 	 	HILLSBOROUGH
	3	 	4	 	140989.88	6495.10	0.4080	 	 	 	SAN FRANCISCO
	4	 	4	 	820178.52	4419.10	0.3892	 	 	 	REDWOOD CITY
	5	 	4	 	292876.12	9629.43	0.4828	 	 	 	SAN ANSELMO
	6	 	4	 	670013.00	13791.84	0.3425	 	 	100	SAUSALITO
	7	 	4	 	74534.50	3557.97	0.3600	 	 	 	SAN FRANCISCO
	8	 	4	 	5276056.80	9792.21	0.4389	 	 	 	SAN FRANCISCO
	9	 	4	 	163842.00	6919.89	0.3449	 	 	 	REDWOOD CITY
	10	 	4	 	273479.96	8158.49	0.4277	 	 	 	BURLINGAME
	11	 	4	 	255431.79	15462.54	0.3017	 	 	 	SAN FRANCISCO
	12	 	4	 	1279406.33	12970.00	0.2912	 	 	100	SAN FRANCISCO
	13	 	4	 	3611722.87	11015.87	0.1947	 	 	100	SAN FRANCISCO
	14	 	4	 	776747.00	8644.94	0.2844	 	 	100	TIBURON
	15	 	4	 	1734425.00	14040.38	0.3888	 	 	 	PIEDMONT
	16	 	4	 	324403.01	4759.12	0.4237	 	 	100	BELMONT
	17	 	3	 	266034.00	13583.23	0.1851	 	 	 	PIEDMONT
	18	 	4	 	11811201.00	10199.12	0.2136	 	 	 	SAN FRANCISCO
	19	 	4	 	583065.00	14358.70	0.3076	 	 	100	LAFAYETTE
	20	 	4	 	313989.00	8971.77	0.2744	 	 	 	SAN ANSELMO
	21	 	4	 	257736.00	5471.10	0.2702	 	 	 	PIEDMONT
	22	 	4	 	335354.40	6549.33	0.3937	 	 	100	SAN FRANCISCO
	23	 	4	 	1008712.52	16691.79	0.1451	 	 	 	WOODSIDE
	24	 	4	 	373623.00	5492.66	0.2904	 	 	100	SAN FRANCISCO
	25	 	4	 	1027699.37	41093.59	0.2170	 	 	100	SAN FRANCISCO
	26	 	4	 	1014174.00	6695.13	0.3152	 	 	100	BERKELEY







 


 





	 	121	122	123	124	125	126	127	128	129	130
	KEY	State	Postal Code	Property Type	Occupancy	Sales Price	Original Appraised
 Property Value	Original Property
 Valuation Type	Original Property
 Valuation Date	Original Automated
 Valuation Model
 (AVM) Model Name	Original AVM
 Confidence Score
	1	CA	94010	1	1	2200000.00	2200000.00	3	20111121	 	 
	2	CA	94010	1	1	 	2825000.00	3	20111028	 	 
	3	CA	94127	1	1	 	1430000.00	3	20111017	 	 
	4	CA	94061	1	1	 	950000.00	3	20110921	 	 
	5	CA	94960	1	1	 	2250000.00	3	20110929	 	 
	6	CA	94965	1	1	1950000.00	1950000.00	3	20110930	 	 
	7	CA	94110	13	1	 	1475000.00	3	20111007	 	 
	8	CA	94123	3	1	 	2400000.00	3	20111007	 	 
	9	CA	94061	1	1	 	1400000.00	3	20111019	 	 
	10	CA	94010	1	1	 	1750000.00	3	20111110	 	 
	11	CA	94123	1	1	 	3100000.00	3	20111024	 	 
	12	CA	94121	1	1	2450000.00	2450000.00	3	20111026	 	 
	13	CA	94117	1	1	2175000.00	2175000.00	3	20111031	 	 
	14	CA	94920	1	1	1503007.00	1525000.00	3	20111103	 	 
	15	CA	94611	1	1	 	2400000.00	3	20111122	 	 
	16	CA	94002	13	1	808000.00	808000.00	3	20111111	 	 
	17	CA	94611	1	1	 	2700000.00	3	20111128	 	 
	18	CA	94110	1	1	 	2800000.00	3	20111122	 	 
	19	CA	94549	1	1	1775000.00	1775000.00	3	20111123	 	 
	20	CA	94960	1	1	 	1300000.00	3	20111118	 	 
	21	CA	94611	1	1	 	1400000.00	3	20111128	 	 
	22	CA	94115	4	1	1085000.00	1085000.00	3	20111116	 	 
	23	CA	94062	1	1	 	3900000.00	3	20111123	 	 
	24	CA	94122	13	1	1052000.00	1052000.00	3	20111206	 	 
	25	CA	94114	14	3	1197500.00	1200000.00	3	20111206	 	 
	26	CA	94708	1	1	1300000.00	1300000.00	3	20111209	 	 







 





	 	131	132	133	134	135	136	137	138	139	140
	KEY	Most Recent
 Property Value2	Most Recent
 Property Valuation
 Type	Most Recent
 Property Valuation
 Date	Most Recent AVM
 Model Name	Most Recent AVM
 Confidence Score	Original CLTV	Original LTV	Original Pledged
 Assets	Mortgage Insurance
 Company Name	Mortgage Insurance
 Percent
	1	 	 	 	 	 	0.7500	0.7500	0	0	0
	2	 	 	 	 	 	0.7985	0.6902	0	0	0
	3	 	 	 	 	 	0.6363	0.6363	0	0	0
	4	 	 	 	 	 	0.8000	0.8000	0	0	0
	5	 	 	 	 	 	0.5206	0.5206	0	0	0
	6	 	 	 	 	 	0.7692	0.7692	0	0	0
	7	 	 	 	 	 	0.6983	0.6135	0	0	0
	8	 	 	 	 	 	0.4895	0.3854	0	0	0
	9	 	 	 	 	 	0.7414	0.7414	0	0	0
	10	 	 	 	 	 	0.6000	0.6000	0	0	0
	11	 	 	 	 	 	0.6450	0.5398	0	0	0
	12	 	 	 	 	 	0.8000	0.8000	0	0	0
	13	 	 	 	 	 	0.7586	0.7586	0	0	0
	14	 	 	 	 	 	0.6087	0.6087	0	0	0
	15	 	 	 	 	 	0.6083	0.4000	0	0	0
	16	 	 	 	 	 	0.7500	0.7500	0	0	0
	17	 	 	 	 	 	0.6222	0.5851	0	0	0
	18	 	 	 	 	 	0.3928	0.3928	0	0	0
	19	 	 	 	 	 	0.8000	0.8000	0	0	0
	20	 	 	 	 	 	0.7500	0.6538	0	0	0
	21	 	 	 	 	 	0.5643	0.4928	0	0	0
	22	 	 	 	 	 	0.8000	0.7000	0	0	0
	23	 	 	 	 	 	0.6500	0.5987	0	0	0
	24	 	 	 	 	 	0.8000	0.8000	0	0	0
	25	 	 	 	 	 	0.7000	0.7000	0	0	0
	26	 	 	 	 	 	0.8000	0.7076	0	0	0







 





	 	141	142	143	144	145	146	147	148	149	150
	KEY	MI: Lender or
 Borrower Paid?	Pool Insurance Co.
 Name	Pool Insurance Stop
 Loss %	MI Certificate
 Number	Updated DTI
 (Front-end)	Updated DTI
 (Back-end)	Modification
 Effective Payment
 Date	Total Capitalized
 Amount	Total Deferred
 Amount	Pre-Modification
 Interest (Note) Rate
	1	 	 	 	 	 	 	 	 	 	 
	2	 	 	 	 	 	 	 	 	 	 
	3	 	 	 	 	 	 	 	 	 	 
	4	 	 	 	 	 	 	 	 	 	 
	5	 	 	 	 	 	 	 	 	 	 
	6	 	 	 	 	 	 	 	 	 	 
	7	 	 	 	 	 	 	 	 	 	 
	8	 	 	 	 	 	 	 	 	 	 
	9	 	 	 	 	 	 	 	 	 	 
	10	 	 	 	 	 	 	 	 	 	 
	11	 	 	 	 	 	 	 	 	 	 
	12	 	 	 	 	 	 	 	 	 	 
	13	 	 	 	 	 	 	 	 	 	 
	14	 	 	 	 	 	 	 	 	 	 
	15	 	 	 	 	 	 	 	 	 	 
	16	 	 	 	 	 	 	 	 	 	 
	17	 	 	 	 	 	 	 	 	 	 
	18	 	 	 	 	 	 	 	 	 	 
	19	 	 	 	 	 	 	 	 	 	 
	20	 	 	 	 	 	 	 	 	 	 
	21	 	 	 	 	 	 	 	 	 	 
	22	 	 	 	 	 	 	 	 	 	 
	23	 	 	 	 	 	 	 	 	 	 
	24	 	 	 	 	 	 	 	 	 	 
	25	 	 	 	 	 	 	 	 	 	 
	26	 	 	 	 	 	 	 	 	 	 







 





	 	151	152	153	154	155	156	157	158	159	160
	KEY	Pre-Modification P&I
 Payment	Pre-Modification
 Initial Interest Rate
 Change Downward
 Cap	Pre-Modification
 Subsequent Interest
 Rate Cap	Pre-Modification
 Next Interest Rate
 Change Date	Pre-Modification I/O
 Term	Forgiven Principal
 Amount	Forgiven Interest
 Amount	Number of
 Modifications	Cash To/From Brrw at Closing	Brrw - Yrs at in Industry
	1	 	 	 	 	 	 	 	 	0	7
	2	 	 	 	 	 	 	 	 	39.66	10
	3	 	 	 	 	 	 	 	 	204.36	20
	4	 	 	 	 	 	 	 	 	-78122.2	4
	5	 	 	 	 	 	 	 	 	0	 
	6	 	 	 	 	 	 	 	 	21	40
	7	 	 	 	 	 	 	 	 	506.88	20
	8	 	 	 	 	 	 	 	 	91.34	0
	9	 	 	 	 	 	 	 	 	11006.23	23
	10	 	 	 	 	 	 	 	 	1906.26	6
	11	 	 	 	 	 	 	 	 	0	20
	12	 	 	 	 	 	 	 	 	165	10
	13	 	 	 	 	 	 	 	 	29	14
	14	 	 	 	 	 	 	 	 	0	20
	15	 	 	 	 	 	 	 	 	389.88	20
	16	 	 	 	 	 	 	 	 	199.05	6
	17	 	 	 	 	 	 	 	 	-12000	23
	18	 	 	 	 	 	 	 	 	0	15
	19	 	 	 	 	 	 	 	 	625.34	26
	20	 	 	 	 	 	 	 	 	496.77	 
	21	 	 	 	 	 	 	 	 	882.95	12
	22	 	 	 	 	 	 	 	 	439	7
	23	 	 	 	 	 	 	 	 	0	19
	24	 	 	 	 	 	 	 	 	131	14
	25	 	 	 	 	 	 	 	 	475.37	38
	26	 	 	 	 	 	 	 	 	36	10







 





	 	161	162	163	164	165	166	167	168	169	170
	KEY	CoBrrw - Yrs at in Industry	Junior Mortgage Drawn Amount	Maturity Date	Primary Borrower Wage Income (Salary)	Primary Borrower Wage Income (Bonus)	Primary Borrower Wage Income (Commission)	Co-Borrower Wage Income (Salary)	Co-Borrower Wage Income (Bonus)	Co-Borrower Wage Income (Commission)	Originator Doc Code
	1	12	0	20420101	22939.40	0.00	0.00	8333.33	0.00	0.00	Full
	2	7	306000	20411201	35416.67	15270.83	0.00	4597.67	0.00	0.00	Full
	3	22	0	20411201	8197.58	0.00	0.00	7720.25	0.00	0.00	Full
	4	4	0	20420101	0.00	0.00	0.00	2886.37	0.00	0.00	Full
	5	27	0	20411201	3792.00	0.00	0.00	9395.83	0.00	0.00	Full
	6	 	0	20411201	19914.00	0.00	0.00	 	 	 	Full
	7	 	125000	20411201	8636.00	0.00	0.00	 	 	 	Full
	8	 	250000	20411201	0.00	0.00	0.00	0.00	0.00	0.00	Full
	9	2	0	20411201	11050.00	0.00	0.00	0.00	0.00	0.00	Full
	10	13	0	20420101	0.00	0.00	0.00	18750.00	0.00	0.00	Full
	11	20	326000	20411201	25000.00	0.00	0.00	26250.00	0.00	0.00	Full
	12	 	0	20411201	29166.67	15375.00	0.00	 	 	 	Full
	13	 	0	20411201	56576.92	0.00	0.00	 	 	 	Full
	14	 	0	20411201	20800.00	13250.00	0.00	 	 	 	Full
	15	27	500000	20420101	0.00	0.00	0.00	0.00	0.00	0.00	Full
	16	 	0	20411201	12083.33	0.00	0.00	 	 	 	Full
	17	 	100000	20420101	73384.00	0.00	0.00	 	 	 	Full
	18	14	0	20420101	12447.00	0.00	0.00	0.00	0.00	0.00	Full
	19	25	0	20420101	42278.63	0.00	0.00	11469.54	0.00	0.00	Full
	20	16	125000	20420101	0.00	0.00	0.00	36169.33	0.00	0.00	Full
	21	29	100100	20420101	9416.67	0.00	0.00	0.00	0.00	0.00	Full
	22	 	108500	20420101	16635.00	0.00	0.00	 	 	 	Full
	23	10	200000	20420101	0.00	0.00	0.00	 	 	 	Full
	24	10	0	20420101	11375.00	0.00	0.00	7541.67	0.00	0.00	Full
	25	7	0	20420101	190004.00	0.00	0.00	0.00	0.00	0.00	Full
	26	 	120000	20420101	21238.00	0.00	0.00	 	 	 	Full







 





	 	171	172
	KEY	RWT Income Verification	RWT Asset Verification
	1	2 Years	2 Months
	2	2 Years	2 Months
	3	2 Years	2 Months
	4	2 Years	2 Months
	5	2 Years	2 Months
	6	2 Years	2 Months
	7	2 Years	2 Months
	8	2 Years	2 Months
	9	2 Years	2 Months
	10	2 Years	2 Months
	11	2 Years	2 Months
	12	2 Years	2 Months
	13	2 Years	2 Months
	14	2 Years	2 Months
	15	2 Years	2 Months
	16	2 Years	2 Months
	17	2 Years	1 Month
	18	2 Years	2 Months
	19	2 Years	2 Months
	20	2 Years	2 Months
	21	2 Years	2 Months
	22	2 Years	2 Months
	23	2 Years	2 Months
	24	2 Years	2 Months
	25	2 Years	2 Months
	26	2 Years	2 Months







 


 


 


 





	ASF RMBS DISCLOSURE PACKAGE



The American Securitization Forum is a broad-based professional forum through which participants in the U.S. securitization market advocate their common interests on important legal, regulatory and market practice issues. ASF members include over 380 firms, including issuers, investors, servicers, financial intermediaries, rating agencies, financial guarantors, legal and accounting firms, and other professional organizations involved in securitization transactions. The ASF also provides information, education and training on a range of securitization market issues and topics through industry conferences, seminars and similar initiatives. For more information about ASF, its members and activities, please go to www.americansecuritization.com.	 
	Field
    Number	Field
    Name	Field
    Description	Type
    of Field	Data
    Type	Sample
    Data	Format	When
    Applicable?	Valid
    Values	Proposed
    Unique Coding	Notes	 
	1	Primary
    Servicer	The
    MERS Organization ID of the company that has or will have the right to service the loan.	General
    Information	Numeric
    – Integer	2351805	9(7)	Always	”9999999”
    if Unknown	 	 	 
	2	Servicing
    Fee—Percentage	Aggregate
    monthly fee paid to all servicers, stated in decimal form.	General
    Information	Numeric
    - Decimal	0.0025	9.999999	Loans
    without flat-dollar servicing fees	>=
    0 and < 1	 	Must
    be populated if Field 3 is Null	 
	3	Servicing
    Fee—Flat-dollar	Aggregate
    monthly fee paid to all servicers, stated as a dollar amount.	General
    Information	Numeric
    – Decimal	7.5	9(3).99	Loans
    with flat-dollar servicing fees	>=
    0 and <= 999	 	Must
    be populated if 2 is Null	 
	4	Servicing
    Advance Methodology	The
    manner in which principal and/or interest are to be advanced by the servicer.	General
    Information	Numeric
    – Integer	2	99	Always	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Scheduled
                                                                                                                                                           Interest,
                                                                                                                                                           Scheduled
                                                                                                                                                           Principal

        2 = Actual Interest, Actual
        Principal

        3 = Scheduled Interest,
        Actual Principal

        99 = Unknown
	 	 
	5	Originator	The
    MERS Organization ID of the entity that lends funds to the borrower and, in return, places a lien on the mortgage property
    as collateral.	General
    Information	Numeric
    – Integer	5938671	9(7)	Always	”9999999”
    if Unknown	 	 	 
	6	Loan
    Group	Indicates
    the collateral group number in which the loan falls (for structures with multiple collateral groups). Use “1”
    if there is only one loan group.	General
    Information	Text	1A	XXXX	Always	“UNK”
    if Unknown	 	 	 
	7	Loan
    Number	Unique
    National Mortgage Loan ID Number (Vendor TBD).	General
    Information	Numeric
    – Integer	TBD	TBD	Always	TBD	 	Details
    to be provided by Vendor	 
	8	Amortization
    Type	Indicates
    whether the loan’s interest rate is fixed or adjustable (Hybrid ARMs are adjustable).	Loan
    Type	Numeric
    – Integer	2	99	Always	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Fixed

        2 = Adjustable

        99 = Unknown
	 	 
	9	Lien
    Position	A
    number indicating the loan’s lien position (1 = first lien, etc.).	Loan
    Type	Numeric
    – Integer	1	99	Always	>0	99
    = Unknown	 	 
	10	HELOC
    Indicator	Indicates
    whether the loan is a home equity line of credit.	Loan
    Type	Numeric
    – Integer	1	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unknown
	 	 
	11	Loan
    Purpose	Indicates
    the purpose of the loan.	Loan
    Type	Numeric
    – Integer	9	99	Always	See
    Coding	See
    Appendix A	 	 
	12	Cash
    Out Amount	Cash
    Out Amount:   [New Loan] – [PIF Prior First Lien] – [Payoff of all Seasoned Seconds] – [Closing
    Costs] – [Prepays]
 
 For delayed purchases (refinances on homes purchased < 12 months prior to the mortgage
    application) with cash)  Cash Out Amount = 0.	Loan
    Type	Numeric
    – Decimal	72476.5	9(10).99	Always	>=
    0	 	 	 
	 
	 
	13	Total
    Origination and Discount Points (in dollars)	Amount
    paid to the lender to increase the lender’s effective yield and, in the case of discount points, to reduce the interest
    rate paid by the borrower.	Loan
    Type	Numeric
    – Decimal	5250	9(10).99	Always	>=
    0	 	Typically
    Lines 801 and 802 of HUD Settlement Statement	 
	14	Covered/High
    Cost Loan Indicator	Indicates
    whether the loan is categorized as “high cost” or “covered” according to state or federal statutes
    or regulations.	Loan
    Type	Numeric
    – Integer	1	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unknown
	 	 
	15	Relocation
    Loan Indicator	Indicates
    whether the loan is part of a corporate relocation program.	Loan
    Type	Numeric
    – Integer	1	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unknown
	 	 
	16	Broker
    Indicator	Indicates
    whether a broker took the application.	Loan
    Type	Numeric
    – Integer	1	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unknown
	 	 
	17	Channel	Code
    indicating the source (channel) from which the Issuer obtained the mortgage loan.	Loan
    Type	Numeric
    – Integer	2	99	Always	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Retail

        2 = Broker

        3 = Correspondent Bulk

        4 = Correspondent Flow
        with delegated underwriting

        5 = Correspondent Flow
        without delegated underwriting

        99 = Unknown
	 	 
	18	Escrow
    Indicator	Indicates
    whether various homeownership expenses are paid by the borrower directly or through an escrow account (as of securitization
    cut-off date).	Loan
    Type	Numeric
    – Integer	3	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No
                                                                                                                                                           Escrows

        1 = Taxes

        2 = Insurance

        3 = HOA dues

        4 = Taxes and Insurance

        5 = All

        99 =Unknown
	 	 
	19	Senior
    Loan Amount(s)	For
    non-first mortgages, the sum of the balances of all associated senior mortgages at the time of origination of the subordinate
    lien. 	Mortgage
    Lien Info	Numeric
    – Decimal	611004.25	9(10).99	If
    Lien Position > 1	>=
    0	 	 	 
	20	Loan
    Type of Most Senior Lien	For
    non-first mortgages, indicates whether the associated first mortgage is a Fixed, ARM, Hybrid, or negative amortization loan.	Mortgage
    Lien Info	Numeric
    – Integer	2	99	If
    Lien Position > 1	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Fixed
                                                                                                                                                           Rate

        2 = ARM

        3 = Hybrid

        4 = Neg Am

        99 = Unknown
	 	 
	21	Hybrid
    Period of Most Senior Lien (in months)	For
    non-first mortgages where the associated first mortgage is a hybrid ARM, the number of months remaining in the initial fixed
    interest rate period for the hybrid first mortgage.	Mortgage
    Lien Info	Numeric
    – Integer	23	999	If
    Lien Position > 1	>=
    0	 	 	 
	AND
    the most senior lien is a hybrid ARM (see Field 20)	 
	22	Neg
    Am Limit of Most Senior Lien	For
    non-first mortgages where the associated first mortgage features negative amortization, the maximum percentage by which the
    negatively amortizing balance may increase (expressed as a proportion of the senior lien’s original balance).	Mortgage
    Lien Info	Numeric
    – Decimal	1.25	9.999999	If
                                                                                                                                                           Lien
                                                                                                                                                           Position
                                                                                                                                                           >
                                                                                                                                                           1

        AND
        the senior lien is Neg Am (see Field 20)
	>=
    1 and <= 2	 	 	 
	23	Junior
    Mortgage Balance	For
    first mortgages with subordinate liens at the time of origination, the combined balance of the subordinate liens (if known).	Mortgage
    Lien Info	Numeric
    – Decimal	51775.12	9(10).99	If
    Lien Position = 1 and there is a 2nd lien on the subject property	>=
    0	 	Subject
    to Regulatory Confirmation	 
	24	Origination
    Date of Most Senior Lien	For
    non-first mortgages, the origination date of the associated first mortgage.	Mortgage
    Lien Info	Date	20090914	YYYYMMDD	If
    Lien Position > 1 and there is a 2nd lien on the subject property	“19010101”
    if unknown	 	 	 
	25	Origination
    Date	The
    date of the Mortgage Note and Mortgage/Deed of Trust	Loan
    Term and Amortization Type	Date	20090914	YYYYMMDD	Always	“19010101”
    if unknown	 	 	 
	26	Original
    Loan Amount	The
    dollar amount of the mortgage loan, as specified on the mortgage note at the time of the loan’s origination. For HELOCs,
    the maximum available line of credit.	Loan
    Term and Amortization Type	Numeric
    – Decimal	150000	9(10).99	Always	>0	 	 	 
	27	Original
    Interest Rate	The
    original note rate as indicated on the mortgage note.	Loan
    Term and Amortization Type	Numeric
    – Decimal	0.0475	9.999999	Always	>
    0 and <= 1	 	 	 
	28	Original
    Amortization Term	The
    number of months in which the loan would be retired if the amortizing principal and interest payment were to be paid each
    month.	Loan
    Term and Amortization Type	Numeric
    – Integer	360	999	Always	>=
    60	 	 	 
	29	Original
    Term to Maturity	The
    initial number of months between loan origination and the loan maturity date, as specified on the mortgage note.	Loan
    Term and Amortization Type	Numeric
    – Integer	60	999	Always	>0	N/A	 	 
	30	First
    Payment Date of Loan	The
    date of the first scheduled mortgage payment to be made by the borrower as specified on the mortgage note.	Loan
    Term and Amortization Type	Date	20090914	YYYYMMDD	Always	“19010101”
    if unknown	N/A	 	 
	31	Interest
    Type Indicator	Indicates
    whether the interest rate calculation method is simple or actuarial.	Loan
    Term and Amortization Type	Numeric
    – Integer	2	99	Always	See
    Coding	1=
                                                                                                                                                                       Simple

        2 = Actuarial

        99 = Unknown

         
	 	 
	32	Original
    Interest Only Term	Original
    interest-only term for a loan in months (including NegAm Loans).	Loan
    Term and Amortization Type	Numeric
    – Integer	60	999	Always	>=
                                                                                                                                                           0
                                                                                                                                                           and
                                                                                                                                                           <=
                                                                                                                                                           240

        Unknown
        = Blank;

        No
        Interest Only Term = 0
	 	 
	33	Buy
    Down Period	The
    total number of months during which any buy down is in effect, representing the accumulation of all buy down periods.	Loan
    Term and Amortization Type	Numeric
    – Integer	65	999	Always	>=
                                                                                                                                                           0
                                                                                                                                                           and
                                                                                                                                                           <=
                                                                                                                                                           100

        Unknown
        = Blank;

        No
        Buy Down = 0
	 	 	 
	34	HELOC
    Draw Period	The
    original number of months during which the borrower may draw funds against the HELOC account.	Loan
    Term and Amortization Type	Numeric
    – Integer	24	999	HELOCs
    Only	>=
    12 and <= 120	 	 	 
	35	Scheduled
    Loan Amount	Mortgage
    loan scheduled principal balance as of cut-off date. For HELOCs, the current drawn amount.	Loan
    Term and Amortization Type	Numeric
    – Decimal	248951.19	9(10).99	Always	>=
    0	 	 	 
	36	Current
    Interest Rate	The
    interest rate used to calculate the current P&I or I/O payment.	Loan
    Term and Amortization Type	Numeric
    – Decimal	0.05875	9.999999	Always	>
    0 and <= 1	 	 	 
	37	Current
    Payment Amount Due	Next
    Total Payment due to be collected (including principal, interest or both—but Exclude Escrow Amounts).	Loan
    Term and Amortization Type	Numeric
    – Decimal	1250.15	9(10).99	Always	>
    0	 	 	 
	38	Scheduled
    Interest Paid
 Through Date	 	Loan
    Term and Amortization Type	Date	20090429	YYYYMMDD	Always	“19010101”
    if unknown	 	 	 
	39	Current
    Payment Status	Number
    of payments the borrower is past due as of the securitization cut-off date.	Loan
    Term and Amortization Type	Numeric
    – Integer	3	99	Always	>=
    0	 	 	 
	40	Index
    Type	Specifies
    the type of index to be used to determine the interest rate at each adjustment.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Integer	18	99	ARMs
    Only	See
    Coding	See
    Appendix B	 	 
	41	ARM
    Look-back Days	The
    number of days prior to the interest rate adjustment date to retrieve the index value.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Integer	45	99	ARMs
    Only	>=
    0 to <=99	 	 	 
	42	Gross
    Margin	The
    percentage stated on the mortgage note representing the spread between the ARM Index value and the mortgage interest rate.
    The gross mortgage margin is added to the index value to establish a new gross interest rate in the manner prescribed on the
    mortgage note.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.03	9.999999	ARMs
    Only	>0
    and <= 1	 	 	 
	43	ARM
    Round Flag	An
    indicator of whether an adjusted interest rate is rounded to the next higher ARM round factor, to the next lower round factor,
    or to the nearest round factor.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Integer	3	9	ARMs
    Only	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No
                                                                                                                                                           Rounding

        1 = Up

        2 = Down

        3 = Nearest

        99=Unknown
	 	 
	44	ARM
    Round Factor	The
    percentage to which an adjusted interest rate is to be rounded.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.0025
    or 0.00125	9.999999	ARMs
                                                                                                                                                           Only

        Where
        ARM Round Flag = 1, 2, or 3
	>=
    0 and < 1	 	 	 
	45	Initial
    Fixed Rate Period	For
    hybrid ARMs, the period between the first payment date of the mortgage and the first interest rate adjustment date.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Integer	60	999	Hybrid
    ARMs Only	>=
    1 to <=240	 	 	 
	46	Initial
    Interest Rate Cap (Change Up)	The
    maximum percentage by which the mortgage note rate may increase at the first interest rate adjustment date.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.02	9.999999	ARMs
    Only	>=
    0 and <= 1	99=no
    cap	 	 
	47	Initial
    Interest Rate  Cap (Change Down)	The
    maximum percentage by which the mortgage note rate may decrease at the first interest rate adjustment date.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.02	9.999999	ARMs
    Only	>=
    0 and <= 1	99=no
    cap	 	 
	48	Subsequent
    Interest Rate Reset Period	The
    number of months between subsequent rate adjustments.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Integer	60	999	ARMs
    Only	>=0
    and <= 120	 	0
    = Loan does not adjust after initial reset	 
	49	Subsequent
    Interest Rate (Change Down)	The
    maximum percentage by which the interest rate may decrease at each rate adjustment date after the initial adjustment.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.02	9.999999	ARMs
    Only	>=
    0 and <= 1	99=no
    cap	 	 
	50	Subsequent
    Interest Rate Cap (Change Up)	The
    maximum percentage by which the interest rate may increase at each rate adjustment date after the initial adjustment.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.02	9.999999	ARMs
    Only	>=
    0 and <= 1	99=no
    cap	 	 
	51	Lifetime
    Maximum Rate (Ceiling)	The
    maximum interest rate that can be in effect during the life of the loan.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.125	9.999999	ARMs
    Only	>=
    0 and <= 1	 	=1
    if no ceiling specified	 
	 
	 
	52	Lifetime
    Minimum Rate (Floor)	The
    minimum interest rate that can be in effect during the life of the loan.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.015	9.999999	ARMs
    Only	>=
    0 and <= 1	 	If
    no floor is specified enter the greater of the margin or 0.	 
	53	Negative
    Amortization Limit	The
    maximum amount of negative amortization allowed before recast is required. (Expressed as a percentage of the original unpaid
    principal balance.)	Negative
    Amortization	Numeric
    – Decimal	1.25	9.999999	Negatively
    Amortizing ARMs Only	>=0,
    and <2	 	 	 
	54	Initial
    Negative Amortization Recast Period	The
    number of months in which the payment is required to recast if the loan does not reach the prescribed maximum balance earlier.	Negative
    Amortization	Numeric
    – Integer	60	999	Negatively
    Amortizing ARMs Only	>=0	 	 	 
	55	Subsequent
    Negative Amortization Recast Period	The
    number of months after which the payment is required to recast AFTER the first recast period.	Negative
    Amortization	Numeric
    – Integer	48	999	Negatively
    Amortizing ARMs Only	>=0	 	 	 
	56	Initial
    Fixed Payment Period	Number
    of months after origination during which the payment is fixed.	Negative
    Amortization	Numeric
    – Integer	60	999	Negatively
    Amortizing Hybrid ARMs Only	>=
    0 to <=120	 	 	 
	57	Subsequent
    Payment Reset Period	Number
    of months between payment adjustments after first payment reset.	Negative
    Amortization	Numeric
    – Integer	12	999	Negatively
    Amortizing ARMs Only	>=
    0 to <=120	 	 	 
	58	Initial
    Periodic Payment Cap	The
    maximum percentage by which a payment can change (increase or decrease) in the first period. 	Negative
    Amortization	Numeric
    – Decimal	0.075	9.999999	Negatively
    Amortizing ARMs Only	>=
    0 and < 1	 	 	 
	59	Subsequent
    Periodic Payment Cap	The
    maximum percentage by which a payment can change (increase or decrease) in one period after the initial cap. 	Negative
    Amortization	Numeric
    – Decimal	0.075	9.999999	Negatively
    Amortizing ARMs Only	>=
    0 and < 1	 	 	 
	60	Initial
    Minimum Payment Reset Period	The
    maximum number of months a borrower can initially pay the minimum payment before a new minimum payment is determined.	Negative
    Amortization	Numeric
    – Integer	12	999	Negatively
    Amortizing ARMs Only	>=
    0 to <=120	 	 	 
	61	Subsequent
    Minimum Payment Reset Period	The
    maximum number of months (after the initial period) a borrower can pay the minimum payment before a new minimum payment is
    determined after the initial period.	Negative
    Amortization	Numeric
    – Integer	12	999	Negatively
    Amortizing ARMs Only	>=
    0 to <=120	 	 	 
	62	Option
    ARM Indicator	An
    indicator of whether the loan is an Option ARM.	Negative
    Amortization	Numeric
    – Integer	1	99	ARMs
    Only	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unknown
	 	 
	63	Options
    at Recast	The
    means of computing the lowest monthly payment available to the borrower after recast.	Option
    ARM	Numeric
    – Integer	2	99	Option
    ARMs Only	N/A	1=
                                                                                                                                                           Fully
                                                                                                                                                           amortizing
                                                                                                                                                           30
                                                                                                                                                           year

        2= Fully amortizing 15
        year

        3=Fully amortizing 40
        year

        4 = Interest-Only

        5 = Minimum Payment

        99= Unknown
	 	 
	64	Initial
    Minimum Payment	The
    initial minimum payment the borrower is permitted to make.	Option
    ARM	Numeric
    – Decimal	879.52	99	Option
    ARMs Only	>=0	 	 	 
	65	Current
    Minimum Payment	Current
    Minimum Payment (in dollars).	Negative
    Amortization	Numeric
    – Decimal	250	9(10).99	Option
    ARMs Only	>=
    0	 	 	 
	66	Prepayment
    Penalty Calculation	A
    description of how the prepayment penalty would be calculated during each phase of the prepayment penalty term.	Prepayment
    Penalties	Numeric
    – Integer	12	99	Always	See
    Coding	See
    Appendix C	 	 
	67	Prepayment
    Penalty Type	•
                                                                                                                                                           Hard:
                                                                                                                                                           The
                                                                                                                                                           prepayment
                                                                                                                                                           penalty
                                                                                                                                                           is
                                                                                                                                                           incurred
                                                                                                                                                           regardless
                                                                                                                                                           of
                                                                                                                                                           the
                                                                                                                                                           reason
                                                                                                                                                           the
                                                                                                                                                           loan
                                                                                                                                                           is
                                                                                                                                                           prepaid
                                                                                                                                                           in
                                                                                                                                                           full.

        • Hybrid:
        The prepayment penalty can be characterized as hard for a certain amount of time and as soft during another period.

         

         
	Prepayment
    Penalties	Numeric
    – Integer	1	99	All
    loans with Prepayment Penalties (i.e., loans for which Field 66 = something other than “0”)	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Hard

        2 = Soft

        3 = Hybrid

        99 = Unknown
	 	 
	68	Prepayment
    Penalty Total Term	The
    total number of months that the prepayment penalty may be in effect.	Prepayment
    Penalties	Numeric
    – Integer	60	999	All
    loans with Prepayment Penalties (i.e., loans for which Field 66 = something other than “0”)	>0
    to <=120	 	 	 
	69	Prepayment
    Penalty Hard Term	For
    hybrid prepayment penalties, the number of months during which a “hard” prepayment penalty applies.	Prepayment
    Penalties	Numeric
    – Integer	12	999	Loans
    with Hybrid Prepayment Penalties (i.e., loans for which Field 67 = “3”)	>=
    0 to <=120	 	 	 
	70	Primary
    Borrower ID	A
    lender-generated ID number for the primary borrower on the mortgage	Borrower	Numeric—Integer	123456789	999999999	Always	>0	 	Used
    to identify the number of times a single borrower appears in a given deal.	 
	71	Number
    of Mortgaged Properties	The
    number of residential properties owned by the borrower that currently secure mortgage loans.	Borrower	Numeric
    – Integer	1	99	Always	>
    0	 	 	 
	72	Total
    Number of Borrowers	The
    number of Borrowers who are obligated to repay the mortgage note.	Borrower	Numeric
    – Integers	2	99	Always	>
    0	 	 	 
	73	Self-employment
    Flag	An
    indicator of whether the primary borrower is self-employed.	Borrower	Numeric
    – Integer	1	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unknown
	 	 
	74	Current
    ‘Other’ Monthly Payment	The
    aggregate of all payments pertaining to the subject property other than principal and interest (includes common charges, condo
    fees, T&I, HOA, etc.), whether escrowed or not.	Loan
    Term and Amortization Type	Numeric
    – Decimal	1789.25	9(10).99	Always	>
    0	 	 	 
	75	Length
    of Employment: Borrower	The
    number of years of service with the borrower’s current employer as of the date of the loan.	Borrower
    Qualification	Numeric
    – Decimal	3.5	99.99	Always	>=0	99
    = Retired, None employment income soure (social security, trust income, dividends, etc.)	 	 
	76	Length
    of Employment: Co-Borrower	The
    number of years of service with the co-borrower’s current employer as of the date of the loan.	Borrower
    Qualification	Numeric
    – Decimal	3.5	99.99	If
    “Total Number of Borrowers” > 1	>=
    0	99
    = Retired, None employment income soure (social security, trust income, dividends, etc.)	 	 
	77	Years
    in Home	Length
    of time that the borrower has been at current address.	Borrower
    Qualification	Numeric
    – Decimal	14.5	99.99	Refinances
    of Primary Residences Only (Loan Purpose = 1, 2, 3, 4, 8 or 9)	>
    0	 	 	 
	78	FICO
    Model Used	Indicates
    whether the FICO score was calculated using the Classic, Classic 08, or Next Generation model.	Borrower
    Qualification	Numeric
    – Integer	1	99	If
    a FICO score was obtained	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Classic

        2 = Classic 08

        3 = Next Generation

        99 = Unknown
	 	 
	79	Most
    Recent FICO Date	Specifies
    the date on which the most recent FICO score was obtained	Borrower
    Qualification	Date	20090914	YYYYMMDD	If
    a FICO score was obtained	“19010101”
    if unknown	 	Issuers
    unable to Provide may Rep and Warrant that the FICO score used for underwriting was not more than 4 months old at the date
    of issuance.	 
	80	Primary
    Wage Earner Original FICO:  Equifax	Equifax
    FICO score for primary borrower (if applicable).	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    a FICO score was obtained	>=
    350 and <= 850	 	 	 
	81	Primary
    Wage Earner Original FICO:  Experian	Experian
    FICO score for primary borrower (if applicable).	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    a FICO score was obtained	>=
    350 and <= 850	 	 	 
	82	Primary
    Wage Earner Original FICO:  TransUnion	TransUnion
    FICO score for primary borrower (if applicable).	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    a FICO score was obtained	>=
    350 and <= 850	 	 	 
	83	Secondary
    Wage Earner Original FICO:  Equifax	Equifax
    FICO score for Co-borrower (if applicable).	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    “Total Number of Borrowers” > 1	>=
    350 and <= 850	 	 	 
	84	Secondary
    Wage Earner Original FICO:  Experian	Experian
    FICO score for Co-borrower (if applicable).	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    “Total Number of Borrowers” > 1	>=
    350 and <= 850	 	 	 
	85	Secondary
    Wage Earner Original FICO: TransUnion	TransUnion
    FICO score for Co-borrower (if applicable).	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    “Total Number of Borrowers” > 1	>=
    350 and <= 850	 	 	 
	86	Most
    Recent Primary Borrower FICO	Most
    Recent Primary Borrower FICO score used by the lender to approve the loan.	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    a FICO score was obtained	>=
    350 and <= 850	 	 	 
	87	Most
    Recent Co-Borrower FICO	Most
    Recent Co-Borrower FICO score used by the lender to approve the loan.	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    “Total Number of Borrowers” > 1	>=
    350 and <= 850	 	 	 
	88	Most
    Recent FICO Method	Number
    of credit repositories used to update the FICO Score.	Borrower
    Qualification	Numeric
    – Integer	2	9	If
    a FICO score was obtained	>0	 	 	 
	89	VantageScore:
    Primary Borrower	Credit
    Score for the Primary Borrower used to approve the loan and obtained using the Vantage credit evaluation model.	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    a Vantage Credit Score was obtained	>=
    501 and <= 990	 	 	 
	90	VantageScore:
    Co-Borrower	Credit
    Score for the Co-borrower used to approve the loan and obtained using the Vantage credit evaluation model.	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    a VantageScore was obtained AND “Total Number of Borrowers” > 1	>=
    501 and <= 990	 	 	 
	91	Most
    Recent VantageScore Method	Number
    of credit repositories used to update the Vantage Score.	Borrower
    Qualification	Numeric
    – Integer	2	9	If
    a Vantage Credit Score was obtained	>0	 	 	 
	92	VantageScore
    Date	Date
    Vantage Credit Score was obtained.	Borrower
    Qualification	Date	20090914	YYYYMMDD	If
    a Vantage Credit Score was obtained	“19010101”
    if unknown	 	 	 
	93	Credit
    Report: Longest Trade Line	The
    length of time in months that the oldest active trade line, installment or revolving, has been outstanding. For a loan with
    more than one borrower, populate field based on status for the primary borrower.	Borrower
    Qualification	Numeric
    – Integer	999	999	Always	>
    =0	 	Subject
    to Regulatory Confirmation	 
	94	Credit
    Report: Maximum Trade Line	The
    dollar amount for the trade line, installment or revolving, with the largest unpaid balance. For revolving lines of credit,
    e.g. credit card, the dollar amount reported should reflect the maximum amount of credit available under the credit line whether
    used or not. For a loan with more than one borrower, populate field based on status for the primary borrower.	Borrower
    Qualification	Numeric
    – Decimal	339420.19	9(10).99	Always	>=0	 	Subject
    to Regulatory Confirmation	 
	95	Credit
    Report: Number of Trade Lines	A
    count of non-derogatory, currently open and active, consumer trade lines (installment or revolving) for the borrower. For
    a loan with more than one borrower, populate field based on status for the primary borrower.	Borrower
    Qualification	Numeric
    – Integer	57	999	Always	>=0	 	Subject
    to Regulatory Confirmation	 
	96	Credit
    Line Usage Ratio	Sum
    of credit balances divided by sum of total open credit available.	Borrower
    Qualification	Numeric
    – Decimal	0.27	9.999999	Always	>=
    0 and <= 1	 	Subject
    to Regulatory Confirmation	 
	97	Most
    Recent 12-month Pay History	String
    indicating the payment status per month listed from oldest to most recent.	Borrower
    Qualification	Text	77X123200001	X(12)	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           Current

        1 = 30-59 days delinquent

        2 = 60-89 days delinquent

        3 = 90-119 days delinquent

        4 = 120+ days delinquent

        5 = Foreclosure

        6 = REO

        7 = Loan did not exist
        in period

        X = Unavailable
	 	 
	98	Months
    Bankruptcy	Number
    of months since any borrower was discharged from bankruptcy. (Issuers unable to provide this information may rep and warrant
    that at least x years—as specified in the loan program—have passed since most recent discharge from bankruptcy.)	Borrower
    Qualification	Numeric
    – Integer	12	999	If
    Borrower has ever been in Bankruptcy	>=
    0	 	Blank
    = Borrower is not known to have been in bankruptcy	 
	99	Months
    Foreclosure	Number
    of months since foreclosure sale date. (Issuers unable to provide this information may rep and warrant that at least x
    years—as specified in the loan program— have passed since most recent foreclosure.)	Borrower
    Qualification	Numeric
    – Integer	12	999	If
    Borrower has ever been in Foreclosure	>=
    0	 	Blank
    = Borrower is not known to have been in foreclosure	 
	100	Primary
    Borrower Wage Income	Monthly
    base wage income for primary borrower.	Borrower
    Qualification	Numeric
    – Decimal	9000	9(9).99	Always	>=
    0	 	 	 
	101	Co-Borrower
    Wage Income	Monthly
    base wage income for all other borrowers.	Borrower
    Qualification	Numeric
    – Decimal	9000	9(9).99	If
    “Total Number of Borrowers” > 1	>=
    0	 	 	 
	102	Primary
    Borrower Other Income	Monthly
    Other (non-wage) income for primary borrower. (This figure should include net rental income and be reduced by any net rental
    loss.)	Borrower
    Qualification	Numeric
    – Decimal	9000	9(9).99	Always	>=
    0	 	 	 
	103	Co-Borrower
    Other Income	Monthly
    Other (non-wage) income for all other borrowers. (This figure should include net rental income and be reduced by any net rental
    loss.)	Borrower
    Qualification	Numeric
    – Decimal	9000	9(9).99	If
    “Total Number of Borrowers” > 1	>=
    0	 	 	 
	104	All
    Borrower Wage Income	Monthly
    income of all borrowers derived from base salary only.	Borrower
    Qualification	Numeric
    – Decimal	9000	9(9).99	Always	>=
    0	 	 	 
	105	All
    Borrower Total Income	Monthly
    income of all borrowers derived from base salary, commission, tips and gratuities, overtime and bonuses, part-time or second-job
    earnings, alimony, child support, interest and dividend income, notes receivable, trust income, net rental income,
    retirement income, social security, veterans income, military income, foster care income, and self-employed income.	Borrower
    Qualification	Numeric
    – Decimal	9000	9(9).99	Always	>=
    0	 	 	 
	106	4506-T
    Indicator	A
    yes/no indicator of whether a Transcript of Tax Return (received pursuant to the filing of IRS Form 4506-T) was obtained and
    considered.	Borrower
    Qualification	Numeric
    – Integer	1	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unknown
	 	 
	107	Borrower
    Income Verification Level	A
                                                                                                                                                           code
                                                                                                                                                           indicating
                                                                                                                                                           the
                                                                                                                                                           extent
                                                                                                                                                           to
                                                                                                                                                           which
                                                                                                                                                           the
                                                                                                                                                           borrower’s
                                                                                                                                                           income
                                                                                                                                                           has
                                                                                                                                                           been
                                                                                                                                                           verified:

        Level
        4 Income Verification = [W-2 (Prev. Yr.) OR TAX RETURNS* (Prev. Yr.)] AND PAY STUBS (YTD (at least one month)–if
        salaried)

        Level
        5 Income Verification = 24 months income verification (W-2s, pay stubs, bank statements and/or tax returns**)
	Borrower
    Qualification	Numeric
    – Integer	1	9	Always	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Not
                                                                                                                                                           Stated,
                                                                                                                                                           Not
                                                                                                                                                           Verified

        2 = Stated, Not Verified

        3 = Stated, “Partially”
        Verified

        4 = Stated, “Level
        4” Verified (as defined)

        5 = Stated, “Level
        5” Verified (as defined)
	 	 
	*For
    self-employed borrowers: Level 4 Income Verification:

    • 2 Years Tax Returns

    • Self-prepared tax returns (regardless of 4506 and tax transcripts)

    

    ** For self-employed borrowers: Level 5 Income Verification:

    • 2 Years tax returns

    • Tax returns prepared and not executed by a CPA, with 

    o CPA name & phone number shown on the Preparer section of the tax return

    o Executed 4506 and tax transcripts (matching returns in file) 

    • Tax returns prepared and executed by a CPA (regardless of 4506 and tax transcripts)	 	 
	108	Co-Borrower
    Income Verification	A
                                                                                                                                                           code
                                                                                                                                                           indicating
                                                                                                                                                           the
                                                                                                                                                           extent
                                                                                                                                                           to
                                                                                                                                                           which
                                                                                                                                                           the
                                                                                                                                                           co-borrower’s
                                                                                                                                                           income
                                                                                                                                                           has
                                                                                                                                                           been
                                                                                                                                                           verified:

         

        Level 4 Income Verification
        = [W-2 (Prev. Yr.) OR TAX RETURNS* (Prev. Yr.)] AND PAY STUBS (YTD (at least one month)–if salaried)

         

        Level 5 Income Verification
        = 24 months income verification (W-2s, pay stubs, bank statements and/or tax returns**)
	Borrower
    Qualification	Numeric
    – Integer	2	9	If
    “Total Number of Borrowers” > 1	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Not
                                                                                                                                                           Stated,
                                                                                                                                                           Not
                                                                                                                                                           Verified

        2 = Stated, Not Verified

        3 = Stated, “Partially”
        Verified

        4 = Stated, “Level
        4” Verified (as defined)

        5 = Stated, “Level
        5” Verified (as defined)
	 	 
	*For
    self-employed borrowers:  Level 4 Income Verification:
 • 2 Years Tax Returns
 • Self-prepared tax returns
    (regardless of 4506 and tax transcripts)
 
 ** For self-employed borrowers: Level 5 Income Verification:
 •
    2 Years tax returns
 • Tax returns prepared and not executed by a CPA, with 
          
    o CPA name & phone number shown on the Preparer section of the tax return
          
    o Executed 4506 and tax transcripts (matching returns in file)  
 • Tax returns prepared and executed by a CPA 
    (regardless of 4506 and tax transcripts)	 	 	 
	109	Borrower
    Employment Verification	A
                                                                                                                                                           code
                                                                                                                                                           indicating
                                                                                                                                                           the
                                                                                                                                                           extent
                                                                                                                                                           to
                                                                                                                                                           which
                                                                                                                                                           the
                                                                                                                                                           primary
                                                                                                                                                           borrower’s
                                                                                                                                                           employment
                                                                                                                                                           has
                                                                                                                                                           been
                                                                                                                                                           verified:

         

        Level 3 Verified = Direct
        Independent Verification with a third party of the borrower’s current employment.
	Borrower
    Qualification	Numeric
    – Integer	2	9	Always	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Not
                                                                                                                                                           Stated,
                                                                                                                                                           Not
                                                                                                                                                           Verified

        2 = Stated, Not Verified

        3 = Stated, Level 3 Verified
        (as defined)
	 	 
	110	Co-Borrower
    Employment Verification	A
                                                                                                                                                           code
                                                                                                                                                           indicating
                                                                                                                                                           the
                                                                                                                                                           extent
                                                                                                                                                           to
                                                                                                                                                           which
                                                                                                                                                           the
                                                                                                                                                           co-borrower’s
                                                                                                                                                           employment
                                                                                                                                                           has
                                                                                                                                                           been
                                                                                                                                                           verified:

         

        Level 3 Verified = Direct
        Independent Verification with a third party of the co-borrower’s current employment.
	Borrower
    Qualification	Numeric
    – Integer	1	9	If
    “Total Number of Borrowers” > 1	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Not
                                                                                                                                                           Stated,
                                                                                                                                                           Not
                                                                                                                                                           Verified

        2 = Stated, Not Verified

        3 = Stated, Level 3 Verified
        (as defined)
	 	 
	111	Borrower
    Asset Verification	A
                                                                                                                                                           code
                                                                                                                                                           indicating
                                                                                                                                                           the
                                                                                                                                                           extent
                                                                                                                                                           to
                                                                                                                                                           which
                                                                                                                                                           the
                                                                                                                                                           primary
                                                                                                                                                           borrower’s
                                                                                                                                                           assets
                                                                                                                                                           used
                                                                                                                                                           to
                                                                                                                                                           qualify
                                                                                                                                                           the
                                                                                                                                                           loan
                                                                                                                                                           have
                                                                                                                                                           been
                                                                                                                                                           verified:

         

        Level 4 Verified = 2 months
        of bank statements/balance documentation (written or electronic) for liquid assets (or gift letter).

         
	Borrower
    Qualification	Numeric
    – Integer	3	9	Always	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Not
                                                                                                                                                           Stated,
                                                                                                                                                           Not
                                                                                                                                                           Verified

        2 = Stated, Not Verified

        3 = Stated, “Partially”
        Verified

        4 = Stated, Level 4 Verified
        (as defined)
	 	 
	112	Co-Borrower
    Asset Verification	A
                                                                                                                                                           code
                                                                                                                                                           indicating
                                                                                                                                                           the
                                                                                                                                                           extent
                                                                                                                                                           to
                                                                                                                                                           which
                                                                                                                                                           the
                                                                                                                                                           co-borrower’s
                                                                                                                                                           assets
                                                                                                                                                           used
                                                                                                                                                           to
                                                                                                                                                           qualify
                                                                                                                                                           the
                                                                                                                                                           loan
                                                                                                                                                           have
                                                                                                                                                           been
                                                                                                                                                           verified:

         

        Level 4 = 2 months of
        bank statements/balance documentation (written or electronic) for liquid assets (or gift letter).

         
	Borrower
    Qualification	Numeric
    – Integer	2	9	If
    “Total Number of Borrowers” > 1	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Not
                                                                                                                                                           Stated,
                                                                                                                                                           Not
                                                                                                                                                           Verified

        2 = Stated, Not Verified

        3 = Stated, “Partially”
        Verified

        4 = Stated, Level 4 Verified
        (as defined)
	 	 
	113	Liquid
    / Cash Reserves	The
    actual dollar amount of remaining verified liquid assets after settlement. (This should not include cash out amount of subject
    loan.)	Borrower
    Qualification	Numeric
    – Decimal	3242.76	9(9).99	Always	>=
    0	 	 	 
	114	Monthly
    Debt All Borrowers	The
    aggregate monthly payment due on other debt (excluding only installment loans with fewer than 10 payments remaining and other
    real estate loans used to compute net rental income-- which is added/subtracted in the income fields).	Borrower
    Qualification	Numeric
    – Decimal	3472.43	9(9).99	Always	>=
    0	 	 	 
	115	Originator
    DTI	Total
    Debt to income ratio used by the originator to qualify the loan.	Borrower
    Qualification	Numeric
    – Decimal	0.35	9.999999	Always	>=
    0 and >= 1	 	 	 
	116	Fully
    Indexed Rate	The
    fully indexed interest rate as of securitization cut-off.	Borrower
    Qualification	Numeric
    – Decimal	0.0975	9.999999	ARMs
    Only	>=
    0 and >= 1	 	 	 
	117	Qualification
    Method	Type
    of mortgage payment used to qualify the borrower for the loan.	Borrower
    Qualification	Numeric
    – Integer	3	99	Always	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Start
                                                                                                                                                           Rate

        2 = First Year Cap Rate

        3 = I/O Amount

        4 = Fully Indexed

        5 = Min Payment

        98 = Other

        99 = Unknown
	 	 
	118	Percentage
    of Down Payment from Borrower Own Funds	Include
    only borrower funds, do not include any gift or borrowed funds. (Issuers may provide the actual percentage for each loan,
    or the guideline percentage and note departure concentration on the transaction summary.)	Borrower
    Qualification	Numeric
    – Decimal	0.5	9.999999	Purchase
    Loans Only	>=
    0 and >= 1	 	 	 
	119	City	The
    name of the city.	Subject
    Property	Text	New
    York	X(45)	Always	Unk=Unknown	 	 	 
	120	State	The
    name of the state as a 2-digit Abbreviation.	Subject
    Property	Text	NY	XX	Always	See
    Coding	See
    Appendix H	 	 
	121	Postal
    Code	The
    postal code (zip code in the US) where the subject property is located.	Subject
    Property	Text	10022	X(5)	Always	Unk=Unknown	 	 	 
	122	Property
    Type	Specifies
    the type of property being used to secure the loan.	Subject
    Property	Numeric
    – Integer	11	99	Always	See
    Coding	See
    Appendix D	 	 
	123	Occupancy	Specifies
    the property occupancy status (e.g., owner-occupied, investment property, second home, etc.).	Subject
    Property	Numeric
    – Integer	4	9	Always	See
    Coding	See
    Appendix E	 	 
	124	Sales
    Price	The
    negotiated price of a given property between the buyer and seller.	Subject
    Property	Numeric
    – Decimal	450000.23	9(10).99	Purchase
    Loans Only	>
    0	 	 	 
	125	Original
    Appraised Property Value	The
    appraised value of the property used to approve the loan.	Subject
    Property	Numeric
    – Decimal	550000.23	9(10).99	Always	>
    0	 	 	 
	126	Original
    Property Valuation Type	Specifies
    the method by which the property value (at the time of underwriting) was reported.	Subject
    Property	Numeric
    – Integer	8	99	Always	See
    Coding	See
    Appendix F	 	 
	127	Original
    Property Valuation Date	Specifies
    the date on which the original property value (at the time of underwriting) was reported. (Issuers unable to provide may
    Rep and Warrant that the appraisal used for underwriting was not more than x days old at time of loan closing.)	Subject
    Property	Date	20090914	YYYYMMDD	Always	“19010101”
    if unknown	 	 	 
	128	Original
    Automated Valuation Model (AVM) Model Name	The
    name of the AVM Vendor if an AVM was used to determine the original property valuation.	Subject
    Property	Numeric
    – Integer	1	99	Always	See
    Appendix I	See
    Appendix I	 	 
	129	Original
    AVM Confidence Score	The
    confidence range presented on the AVM report.	Subject
    Property	Numeric
    – Decimal	0.74	9.999999	If
    AVM Model Name (Field 127) > 0	>=
    0 to <= 1	 	 	 
	130	Most
    Recent Property Value[1]	If
    a valuation was obtained subsequent to the valuation used to calculate LTV, the most recent property value.	Subject
    Property	Numeric
    – Decimal	500000	9(10).99	If
    updated value was obtained subsequent to loan approval	>
    0	 	 	 
	131	Most
    Recent Property Valuation Type	If
    an additional property valuation was obtained after the valuation used for underwriting purposes, the method by which the
    property value was reported.	Subject
    Property	Numeric
    – Integer	6	9	If
    updated value was obtained subsequent to loan approval	See
    Coding	See
    Appendix F	 	 
	132	Most
    Recent Property Valuation Date	Specifies
    the date on which the updated property value was reported.	Subject
    Property	Date	20090914	YYYYMMDD	If
    updated value was obtained subsequent to loan approval	“19010101”
    if unknown	 	 	 
	133	Most
    Recent AVM Model Name	The
    name of the AVM Vendor if an AVM was used to determine the updated property valuation.	Subject
    Property	Numeric
    – Integer	19	99	If
    updated value was obtained subsequent to loan approval	See
    Coding	See
    Appendix I	 	 
	134	Most
    Recent AVM Confidence Score	If
    AVM used to determine the updated property valuation, the confidence range presented on the AVM report.	Subject
    Property	Numeric
    – Decimal	0.85	9.999999	If
    “Most Recent AVM Model Name” > 0	>=
    0 to <= 1	 	 	 
	135	Original
    CLTV	The
    ratio obtained by dividing the amount of all known outstanding mortgage liens on a property at origination by the lesser of
    the appraised value or the sales price.  The value is then truncated to four decimal places.	Loan-to-Value
    (LTV)	Numeric
    – Decimal	0.96	9.999999	Always	>=
    0 and <= 1.5	 	 	 
	136	Original
    LTV	The
    ratio obtained by dividing the original mortgage loan amount on the note date by the lesser of the mortgaged property’s
    appraised value on the note date or its purchase price.  The value is then truncated to four decimal places.	Loan-to-Value
    (LTV)	Numeric
    – Decimal	0.8	9.999999	Always	>=
    0 and <= 1.25	 	 	 
	137	Original
    Pledged Assets	The
    total value of assets pledged as collateral for the loan at the time of origination. Pledged assets may include cash or marketable
    securities.	Loan-to-Value
    (LTV)	Numeric
    – Decimal	75000	9(10).99	Always	>=0	 	 	 
	138	Mortgage
    Insurance Company Name	The
    name of the entity providing mortgage insurance for a loan.	Mortgage
    Insurance	Numeric
    – Integer	3	99	Always	See
    Coding	See
    Appendix G	 	 
	139	Mortgage
    Insurance Percent	Mortgage
    Insurance coverage percentage.	Mortgage
    Insurance	Numeric
    – Decimal	0.25	9.999999	“Mortgage
    Insurance Company Name” > 0	>=
    0 to <= 1	 	 	 
	140	MI:
    Lender or Borrower Paid?	An
    indicator of whether mortgage insurance is paid by the borrower or the lender.	Mortgage
    Insurance	Numeric
    – Integer	1	99	“Mortgage
    Insurance Company Name” > 0	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Borrower-Paid

        2 = Lender- Paid

        99 = Unknown
	 	 
	141	Pool
    Insurance Co. Name	Name
    of pool insurance provider.	Mortgage
    Insurance	Numeric
    – Integer	8	99	Always	See
    Coding	See
    Appendix G	 	 
	142	Pool
    Insurance Stop Loss %	The
    aggregate amount that a pool insurer will pay, calculated as a percentage of the pool balance.	Mortgage
    Insurance	Numeric
    – Decimal	0.25	9.999999	Pool
    MI Company > 0	>=
    0 to <= 1	 	 	 
	143	MI
    Certificate Number	The
    unique number assigned to each individual loan insured under an MI policy.	Mortgage
    Insurance	Text	123456789G	X(20)	MI
                                                                                                                                                           Company

        >
        0
	UNK
    = Unknown	 	 	 
	144	Updated
                                                                                                                                                           DTI

        (Front-end)
	Updated
    front-end DTI ratio (total monthly housing expense divided by total monthly income) used to qualify the loan modification.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	0.35	9.999999	Modified
    Loans Only	>=
    0 and >= 1	 	 	 
	145	Updated
                                                                                                                                                           DTI

        (Back-end)
	Updated
    back-end DTI ratio (total monthly debt expense divided by total monthly income) used to qualify the loan modification.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	0.35	9.999999	Modified
    Loans Only	>=
    0 and >= 1	 	 	 
	146	Modification
    Effective Payment Date	Date
    of first payment due post modification.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Date	20090914	YYYYMMDD	Modified
    Loans Only	“19010101”
    if unknown	 	 	 
	147	Total
    Capitalized Amount	Amount
    added to the principal balance of a loan due to the modification.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	12000	9(10).99	Modified
    Loans Only	>=
    0	 	 	 
	148	Total
    Deferred Amount	Any
    non-interest-bearing deferred amount (e.g., principal, interest and fees).	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	12000	9(10).99	Modified
    Loans Only	>=
    0	 	 	 
	149	Pre-Modification
    Interest (Note) Rate	Scheduled
    Interest Rate Of The Loan Immediately Preceding The Modification Effective Payment Date.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	0.075	9.999999	Modified
    Loans Only	>=
    0 to <= 1	 	 	 
	150	Pre-Modification
    P&I Payment	Scheduled
    Total Principal And Interest Payment Amount Preceding The Modification Effective Payment Date – or if servicer is no
    longer advancing P&I, the payment that would be in effect if the loan were current.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	2310.57	9(10).99	Modified
    Loans Only	>
    0	 	 	 
	151	Pre-Modification
    Initial Interest Rate Change Downward Cap	Maximum
    amount the rate can adjust downward on the first interest rate adjustment date (prior to modification) – Only provide
    if the rate floor is modified.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	0.015	9.999999	Modified
    Loans Only	>=
    0 to <= 1	 	 	 
	152	Pre-Modification
    Subsequent Interest Rate Cap	Maximum
    increment the rate can adjust upward AFTER the initial rate adjustment (prior to modification) – Only provide if the
    Cap is modified.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	0.015	9.999999	Modified
    Loans Only	>=
    0 to <= 1	 	 	 
	153	Pre-Modification
    Next Interest Rate Change Date	Next
    Interest Reset Date Under The Original Terms Of The Loan (one month prior to new payment due date).	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Date	20090914	YYYYMMDD	Modified
    Loans Only	“19010101”
    if unknown	 	 	 
	154	Pre-Modification
    I/O Term	Interest
    Only Term (in months) preceding The Modification Effective Payment Date.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Integer	36	999	Modified
    Loans Only	>=
    0 to <= 120	 	 	 
	155	Forgiven
    Principal Amount	The
    sum total of all principal balance reductions (as a result of loan modification) over the life of the loan.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	12000	9(10).99	Modified
    Loans Only	>=
    0	 	 	 
	156	Forgiven
    Interest Amount	The
    sum total of all interest incurred and forgiven (as a result of loan modification) over the life of the loan.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	12000	9(10).99	Modified
    Loans Only	>=
    0	 	 	 
	157	Number
    of Modifications	The
    number of times the loan has been modified.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Integer	1	9	Modified
    Loans Only	>=
    0	 	 	 
	158	Cash
    To/From Brrw at Closing	Indicates
    the amount of cash the borrower(s) paid into or received at closing. 
 
 [HUD-1 Bottom Line] + [Earnest money] + [Paid
    Outside Closing Items]	 	Numeric
    – Decimal	100000.01	9(10).99	 	 	 	 	 
	159	Brrw
    - Yrs at in Industry	Number
    of years the primary borrower has been working in their current industry	 	Numeric
    – Decimal	9.9	9.999999	 	 	 	 	 
	160	CoBrrw
    - Yrs at in Industry	Number
    of years the co-borrower has been working in their current industry	 	Numeric
    – Decimal	8	9.999999	 	 	 	 	 
	161	Junior
    Mortgage Drawn Amount	Applicable
    if the subject loan is a first mortgage.   At the time of origination for the subject loan, the sum of the outstanding
    balance(s) for any junior mortgages (HELOCs and closed-end).	 	Numeric
    – Decimal	100000.01	9(10).99	 	 	 	 	 
	162	Maturity
    Date	Maturity
    date of mortgage	 	Date	20420501	YYYYMMDD	 	 	 	 	 
	163	Primary
    Borrower Wage Income (Salary)	The
    primary borrower's salary wage income	 	Numeric
    – Decimal	10000.44	9(10).99	 	 	 	 	 
	164	Primary
    Borrower Wage Income (Bonus)	The
    primary borrower's bonus wage income	 	Numeric
    – Decimal	10000.44	9(10).99	 	 	 	 	 
	165	Primary
    Borrower Wage Income (Commission)	The
    primary borrower's commission wage income	 	Numeric
    – Decimal	10000.44	9(10).99	 	 	 	 	 
	166	Co-Borrower
    Wage Income (Salary)	The
    coborrower's salary wage income	 	Numeric
    – Decimal	10000.44	9(10).99	 	 	 	 	 
	167	Co-Borrower
    Wage Income (Bonus)	The
    coborrower's bonus wage income	 	Numeric
    – Decimal	10000.44	9(10).99	 	 	 	 	 
	168	Co-Borrower
    Wage Income (Commission)	The
    coborrower's commission wage income	 	Numeric
    – Decimal	10000.44	9(10).99	 	 	 	 	 
	169	Originator
    Doc Code	Documentation
    Code value as presented by the seller.	 	Text	Full	XXXX	 	 	 	 	 
	170	RWT
    Income Verification	Internal
    Redwood Derived field.  Due Diligence / Trade Desk derived value indicating the level of primary borrower asset verification	 	Text	2
    Years	XXXX	 	 	 	 	 
	171	RWT
    Asset Verification	Internal
    Redwood Derived field.  Due Diligence / Trade Desk derived value indicating the level of primary borrower Income verification	 	Text	2
    Months	XXXX	 	 	 	 	 
	MH-1	Real
    Estate Interest	Indicates
    whether the property on which the manufactured home is situated is owned outright or subject to the terms of a short- or long-term
    lease. (A long-term lease is defined as a lease whose term is greater than or equal to the loan term.)	Manufactured
    Housing	Numeric
    – Integer	2	99	Manufactured
    Housing Loans Only	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Owned

        2 = Short-term lease

        3 = Long-term lease

        99 = Unavailable
	 	 
	MH-2	Community
    Ownership Structure	If
    the manufactured home is situated in a community, a means of classifying ownership of the community.	Manufactured
    Housing	Numeric
    – Integer	2	99	Manufactured
    Housing Loans Only	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Public
                                                                                                                                                           Institutional

        2 = Public Non-Institutional

        3 = Private Institutional

        4 = Private Non-Institutional

        5 = HOA-Owned

        6 = Non-Community

        99 = Unavailable
	 	 
	MH-3	Year
    of Manufacture	The
    year in which the home was manufactured (Model Year -- YYYY Format). Required only in cases where a full appraisal is not
    provided.	Manufactured
    Housing	Numeric
    – Integer	2006	YYYY	Manufactured
    Housing Loans Only	1901
    = Unavailable	 	 	 
	MH-4	HUD
    Code Compliance  Indicator (Y/N)	Indicates
    whether the home was constructed in accordance with the 1976 HUD code. In general, homes manufactured after 1976 comply with
    this code.	Manufactured
    Housing	Numeric
    – Integer	1	9	Manufactured
    Housing Loans Only	See
    Codes	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unavailable
	 	 
	MH-5	Gross
    Manufacturer’s Invoice Price	The
    total amount that appears on the manufacturer’s invoice (typically includes intangible costs such as transportation,
    association, on-site setup, service and warranty costs, taxes, dealer incentives, and other fees).	Manufactured
    Housing	Numeric
    – Decimal	72570.62	9(10).99	Manufactured
    Housing Loans Only	>=
    0	 	 	 
	MH-6	LTI
    (Loan-to-Invoice) Gross	The
    ratio of the loan amount divided by the Gross Manufacturer’s Invoice Price (Field MH-5).	Manufactured
    Housing	Numeric
    – Decimal	0.75	9.999999	Manufactured
    Housing Loans Only	>=
    0 to <= 1	 	 	 
	MH-7	Net
    Manufacturer’s Invoice Price	The
    Gross Manufacturer’s Invoice Price (Field MH-5) minus intangible costs, including: transportation, association,
    on-site setup, service, and warranty costs, taxes, dealer incentives, and other fees.	Manufactured
    Housing	Numeric
    – Decimal	61570.62	9(10).99	Manufactured
    Housing Loans Only	>=
    0	 	 	 
	MH-8	LTI
    (Net)	The
    ratio of the loan amount divided by the Net Manufacturer’s Invoice Price (Field MH-7).	Manufactured
    Housing	Numeric
    – Decimal	0.62	9.999999	Manufactured
    Housing Loans Only	>=
    0 to <= 1	 	 	 
	MH-9	Manufacturer
    Name	The
    manufacturer of the subject property. (To be applied only in cases where no appraised value/other type of property valuation
    is available.)	Manufactured
    Housing	Text	“XYZ
    Corp”	Char
    (100)	Manufactured
    Housing Loans Only (where no appraised value is provided)	MH
    Manufacturer name in double quotation marks	 	 	 
	MH-10	Model
    Name	The
    model name of the subject property. (To be applied only in cases where no appraised value/other type of property valuation
    is available.)	Manufactured
    Housing	Text	“DX5-916-X”	Char
    (100)	Manufactured
    Housing Loans Only (where no appraised value is provided)	MH
    Model name in double quotation marks	 	 	 
	MH-11	Down
    Payment Source	An
    indicator of the source of the down payment used by the borrower to acquire the property and qualify for the mortgage.	Manufactured
    Housing	Numeric
    – Integer	2	99	Manufactured
    Housing Loans Only	See
    Codes	1
                                                                                                                                                           =
                                                                                                                                                           Cash

        2 = Proceeds from trade
        in

        3 = Land in Lieu

        4 = Other

        99 = Unavailable
	 	 
	MH-12	Community/Related
    Party Lender (Y/N)	An
    indicator of whether the loan was made by the community owner, an affiliate of the community owner or the owner of the real
    estate upon which the collateral is located.	Manufactured
    Housing	Numeric
    – Integer	1	99	Manufactured
    Housing Loans Only	See
    Codes	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unavailable
	 	 
	MH-13	Defined
    Underwriting Criteria (Y/N)	An
    indicator of whether the loan was made in accordance with a defined and/or standardized set of underwriting criteria.	Manufactured
    Housing	Numeric
    – Integer	1	99	Manufactured
    Housing Loans Only	See
    Codes	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unavailable
	 	 
	MH-14	Chattel
    Indicator	An
    Indicator of whether the secured property is classified as chattel or Real Estate.	Manufactured
    Housing	Numeric
    – Integer	1	99	Manufactured
    Housing Loans Only	See
    Codes	0
                                                                                                                                                           =
                                                                                                                                                           Real
                                                                                                                                                           Estate

        1 = Chattel

        99 = Unavailable
	 	 


 


 







 


 


 



    	28



    	 



    

 


ATTACHMENT
2A


 


SALE AND
SERVICING AGREEMENT


 


 


See Exhibit 10.4 to Form 8-K filed by
the Issuing Entity on June 29, 2012


 


 



    	29



    	 



    

 


ATTACHMENT
2B


 


PURCHASE
AGREEMENT


 


See Exhibit
10.5 to Form 8-K filed by the Issuing Entity on June 29, 2012


 



    	30



    	 



    

 


EXHIBIT
D-3


 


INITIAL
AUTHORIZED REPRESENTATIVES OF THE SERVICER


 


	Name	 	Title	 	Specimen Signature
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 


 



    	 



    	 



    

 


EXHIBIT F


 


REQUEST FOR
RELEASE OF DOCUMENTS


 


	To:	Wells Fargo Bank, N.A.	Date:  _______________
	 	751 Kasota Avenue	 
	 	Minneapolis, MN  55414	 
	 	Attn:  WFDC Release Department.	 
	 	 	 


 


Re:         Custodial
Agreement, dated as of June 1, 2012, among Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as Trustee, Wells
Fargo Bank, N.A., as Custodian, Sequoia Residential Funding, Inc., as Depositor, and Redwood Residential Acquisition Corporation,
as Seller


 


In connection
with the administration of the Mortgage Loans held by you as Custodian for the Trustee pursuant to the above-captioned Custodial
Agreement, we request the release of the Custodian’s Mortgage File for the Mortgage Loan described below, for the reason
indicated.


 





	Mortgage Loan Number:	 	Investor Number:
	 	 	 
	Mortgagor Name, Address & Zip Code:	 	Pool Number:




 





	Reason for Requesting Documents (check one):
	 
	_______ 1. Mortgage Paid in Full
	 
	_______ 2. Foreclosure
	 
	_______ 3.  Substitution
	 
	_______  4. Other Liquidation


 


	_______ 5. Non-liquidation	 	Reason:__________________
	 	 	 
	 	 	For CMI Use Only:_____________


 


	By:	 	 
	             (Authorized
    Signature)


 


	Printed Name	 	 
	 	 	 
	Servicer Name:	 	 
	 	 	 
	Ship To Address:	 	 
	 	 	 
	 	 	 




 



    	 



    	 



    
 


Phone:                _________________________


 


Custodian


 


Please acknowledge the execution
of the above request by your signature and date below:


 


	 	 	Date
	Signature	 	 
	 	 	 
	Documents returned to Custodian:	 	 
	 	 	 
	 	 	Date
	Custodian	 	 


 



    	 



    	 



    

 


EXHIBIT
10


 


FORM OF
MONTHLY LOSS REPORT


 



    	 



    	 



    

 


Exhibit
: Calculation of Realized Loss/Gain Form 332– Instruction Sheet


NOTE:
Do not net or combine items. Show all expenses individually and all credits as separate line items. Claim packages are due on
the remittance report date. Late submissions may result in claims not being passed until the following month. The Servicer is
responsible to remit all funds pending loss approval and /or resolution of any disputed items. 


 


The
numbers on the 332 form correspond with the numbers listed below.


 


Liquidation
and Acquisition Expenses:


1.          The
Actual Unpaid Principal Balance of the Mortgage Loan. For documentation, an Amortization Schedule from date of default through
liquidation breaking out the net interest and servicing fees advanced is required.


 


2.          The
Total Interest Due less the aggregate amount of servicing fee that would have been earned if all delinquent payments had been
made as agreed. For documentation, an Amortization Schedule from date of default through liquidation breaking out the net interest
and servicing fees advanced is required.


		3.	Accrued
                                                                                                                                                      Servicing
                                                                                                                                                      Fees
                                                                                                                                                      based
                                                                                                                                                      upon
                                                                                                                                                      the
                                                                                                                                                      Scheduled
                                                                                                                                                      Principal
                                                                                                                                                      Balance
                                                                                                                                                      of
                                                                                                                                                      the
                                                                                                                                                      Mortgage
                                                                                                                                                      Loan
                                                                                                                                                      as
                                                                                                                                                      calculated
                                                                                                                                                      on
                                                                                                                                                      a
                                                                                                                                                      monthly
                                                                                                                                                      basis.
                                                                                                                                                      For
                                                                                                                                                      documentation,
                                                                                                                                                      an
                                                                                                                                                      Amortization
                                                                                                                                                      Schedule
                                                                                                                                                      from
                                                                                                                                                      date
                                                                                                                                                      of
                                                                                                                                                      default
                                                                                                                                                      through
                                                                                                                                                      liquidation
                                                                                                                                                      breaking
                                                                                                                                                      out
                                                                                                                                                      the
                                                                                                                                                      net
                                                                                                                                                      interest
                                                                                                                                                      and
                                                                                                                                                      servicing
                                                                                                                                                      fees
                                                                                                                                                      advanced
                                                                                                                                                      is
                                                                                                                                                      required.



4-12.     Complete
as applicable. Required documentation:


*
For taxes and insurance advances – see page 2 of 332 form - breakdown required showing period of coverage, base tax,
interest, penalty. Advances prior to default require evidence of servicer efforts to recover advances.


*
For escrow advances - complete payment history


   (to
calculate advances from last positive escrow balance forward)


*
Other expenses -  copies of corporate advance history showing all payments


*
REO repairs > $1500 require explanation


*
REO repairs >$3000 require evidence of at least 2 bids.


*
Short Sale or Charge Off require P&L supporting the decision and WFB’s approved Officer Certificate


*
Unusual or extraordinary items may require further documentation.


13.         The
total of lines 1 through 12.


 


Credits:



14-21.         Complete
as applicable. Required documentation:


*
Copy of the HUD 1 from the REO sale. If a 3rd Party Sale, bid instructions and Escrow Agent / Attorney Letter of
Proceeds Breakdown.


*
Copy of EOB for any MI or gov't guarantee


*
All other credits need to be clearly defined on the 332 form            


22.         The
total of lines 14 through 21.


 


	 
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		Please Note:	For
                                                                                               HUD/VA loans, use line (18a) for
                                                                                               Part A/Initial proceeds and line
                                                                                               (18b) for Part B/Supplemental proceeds.



 


Total
Realized Loss (or Amount of Any Gain)


23.         The
total derived from subtracting line 22 from 13. If the amount represents a realized gain, show the amount in parenthesis
( ).


 


	 
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Exhibit
3A: Calculation of Realized Loss/Gain Form 332


 





	 	Prepared by:  __________________	Date:  _______________
	 	Phone:  ______________________       Email
    Address:_____________________










	Servicer
                                                                                                    Loan No.

         
	 	Servicer
                                                                                                    Name

         
	 	Servicer
                                                                                                    Address

         

         



 


WELLS FARGO BANK, N.A.
Loan No._____________________________


 


Borrower's Name:


_________________________________________________________


Property Address: _________________________________________________________


 




	Liquidation Type:   
    REO Sale	3rd Party Sale	Short Sale	Charge Off	 







 


Was this loan granted
a Bankruptcy deficiency or cramdown                     Yes        
No


If “Yes”,
provide deficiency or cramdown amount _______________________________


 


Liquidation and Acquisition
Expenses:





	 	(1)	Actual Unpaid Principal Balance of Mortgage Loan	$ ______________  (1)
	 	 		 
	 	(2)	Interest accrued at Net Rate	 ________________(2)
	 	 		 
	 	(3)	Accrued Servicing Fees	 ________________(3)
	 	 		 
	 	(4)	Attorney's Fees	 ________________(4)
	 	 		 
	 	(5)	Taxes (see page 2)	 ________________(5)
	 	 		 
	 	(6)	Property Maintenance	________________(6)
	 	 		 
	 	(7)	MI/Hazard Insurance Premiums (see page 2)	 ________________(7)
	 	 		 
	 	(8)	Utility Expenses	 ________________(8)
	 	 		 
	 	(9)	Appraisal/BPO	 ________________(9)
	 	 		 
	 	(10)	Property Inspections	 ________________(10)
	 	 		 
	 	(11)	FC Costs/Other Legal Expenses	 ________________(11)







 


	 
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	 	(12)	Other (itemize)	 ________________(12)
	 	 		 
	 	 	Cash for Keys__________________________	 ________________(12)
	 	 		 
	 	 	HOA/Condo Fees_______________________	 ________________(12)
	 	 		 
	 	 	______________________________________	 ________________(12)
	 	 		 
	 	 	 	 
	 	 	 	 
	 	 	 	 
	 	 	Total Expenses	$ _______________(13)
	 	 		 
	 	Credits:	 
	 	(14)	Escrow Balance	$ _______________(14)
	 	 		 
	 	(15)	HIP Refund	________________(15)
	 	 		 
	 	(16)	Rental Receipts	________________(16)
	 	 		 
	 	(17)	Hazard Loss Proceeds	________________(17) 
	 	 		 
	 	(18)	Primary Mortgage Insurance / Gov’t Insurance	________________(18a) HUD Part A
	 	 		 
	 	 	 	________________ (18b)HUD Part B
	 			 
	 	(19)	Pool Insurance Proceeds	________________(19)
	 	 		 
	 	(20)	Proceeds from Sale of Acquired Property	________________(20)
	 	 		 
	 	(21)	Other (itemize)	________________(21)
	 	 		 
	 	 	_________________________________________	________________(21)
	 	 		 
	 	 	 	 
	 	 	Total Credits	$________________(22)
	 	 		 
	 	Total Realized Loss (or Amount of Gain)	$________________(23)







 


	 
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Escrow
Disbursement Detail


 


	Type

        (Tax

        /Ins.)
	 	Date

        Paid
	 	Period of

        Coverage
	 	Total

        Paid
	 	Base

        Amount
	 	Penalties	 	Interest
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 


 


	 
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EXHIBIT
11


 


FORM OF
DELINQUENCY REPORTING


 


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Exhibit
: Standard File Layout – Delinquency Reporting


 


*The column/header
names in bold are the minimum fields Wells Fargo must receive from every Servicer


 


	Column/Header
    Name	 	Description	 	Decimal	 	Format 
    Comment
	 	 	 	 	 	 	 
	SERVICER_LOAN_NBR	 	A
    unique number assigned to a loan by the Servicer.  This may be different than the LOAN_NBR	 	 	 	 
	 	 	 	 	 	 	 
	LOAN_NBR	 	A
    unique identifier assigned to each loan by the originator.	 	 	 	 
	 	 	 	 	 	 	 
	CLIENT_NBR	 	Servicer
    Client Number	 	 	 	 
	 	 	 	 	 	 	 
	SERV_INVESTOR_NBR	 	Contains
    a unique number as assigned by an external servicer to identify a group of loans in their system.	 	 	 	 
	 	 	 	 	 	 	 
	BORROWER_FIRST_NAME	 	First
    Name of the Borrower.	 	 	 	 
	 	 	 	 	 	 	 
	BORROWER_LAST_NAME	 	Last
    name of the borrower.	 	 	 	 
	 	 	 	 	 	 	 
	PROP_ADDRESS	 	Street
    Name and Number of Property	 	 	 	 
	 	 	 	 	 	 	 
	PROP_STATE	 	The
    state where the  property located.	 	 	 	 
	 	 	 	 	 	 	 
	PROP_ZIP	 	Zip
    code where the property is located.	 	 	 	 
	 	 	 	 	 	 	 
	BORR_NEXT_PAY_DUE_DATE	 	The
    date that the borrower's next payment is due to the servicer at the end of processing cycle, as reported by Servicer.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	LOAN_TYPE	 	Loan
    Type (i.e. FHA, VA, Conv)	 	 	 	 
	 	 	 	 	 	 	 
	BANKRUPTCY_FILED_DATE	 	The
    date a particular bankruptcy claim was filed.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	BANKRUPTCY_CHAPTER_CODE	 	The
    chapter under which the bankruptcy was filed.	 	 	 	 
	 	 	 	 	 	 	 
	BANKRUPTCY_CASE_NBR	 	The
    case number assigned by the court to the bankruptcy filing.	 	 	 	 
	 	 	 	 	 	 	 
	POST_PETITION_DUE_DATE	 	The
    payment due date once the bankruptcy has been approved by the courts	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	BANKRUPTCY_DCHRG_DISM_DATE	 	The
    Date The Loan Is Removed From Bankruptcy. Either by Dismissal, Discharged and/or a Motion For Relief Was Granted.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	LOSS_MIT_APPR_DATE	 	The
    Date The Loss Mitigation Was Approved By The Servicer	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	LOSS_MIT_TYPE	 	The
    Type Of Loss Mitigation Approved For A Loan Such As;	 	 	 	 
	 	 	 	 	 	 	 
	LOSS_MIT_EST_COMP_DATE	 	The
    Date The Loss Mitigation /Plan Is Scheduled To End/Close	 	 	 	MM/DD/YYYY








	 
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	LOSS_MIT_ACT_COMP_DATE	 	The
    Date The Loss Mitigation Is Actually Completed	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FRCLSR_APPROVED_DATE	 	The
    date DA Admin sends a letter to the servicer with instructions to begin foreclosure proceedings.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	ATTORNEY_REFERRAL_DATE	 	Date
    File Was Referred To Attorney to Pursue Foreclosure	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FIRST_LEGAL_DATE	 	Notice
    of 1st legal filed by an Attorney in a Foreclosure Action	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FRCLSR_SALE_EXPECTED_DATE	 	The
    date by which a foreclosure sale is expected to occur.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FRCLSR_SALE_DATE	 	The
    actual date of the foreclosure sale.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FRCLSR_SALE_AMT	 	The
    amount a property sold for at the foreclosure sale.	 	2	 	No
    commas(,) or dollar signs ($)
	 	 	 	 	 	 	 
	EVICTION_START_DATE	 	The
    date the servicer initiates eviction of the borrower.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	EVICTION_COMPLETED_DATE	 	The
    date the court revokes legal possession of the property from the borrower.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	LIST_PRICE	 	The
    price at which an REO property is marketed.	 	2	 	No
    commas(,) or dollar signs ($)
	 	 	 	 	 	 	 
	LIST_DATE	 	The
    date an REO property is listed at a particular price.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	OFFER_AMT	 	The
    dollar value of an offer for an REO property.	 	2	 	No
    commas(,) or dollar signs ($)
	 	 	 	 	 	 	 
	OFFER_DATE_TIME	 	The
    date an offer is received by DA Admin or by the Servicer.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	REO_CLOSING_DATE	 	The
    date the REO sale of the property is scheduled to close.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	REO_ACTUAL_CLOSING_DATE	 	Actual
    Date Of REO Sale	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	OCCUPANT_CODE	 	Classification
    of how the property is occupied.	 	 	 	 
	 	 	 	 	 	 	 
	PROP_CONDITION_CODE	 	A
    code that indicates the condition of the property.	 	 	 	 
	 	 	 	 	 	 	 
	PROP_INSPECTION_DATE	 	The
    date a  property inspection is performed.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	APPRAISAL_DATE	 	The
    date the appraisal was done.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	CURR_PROP_VAL	 	The
    current "as is" value of the property based on brokers price opinion or appraisal.	 	2	 	 


 


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	REPAIRED_PROP_VAL	 	The
    amount the property would be worth if repairs are completed pursuant to a broker's price opinion or appraisal.	 	2	 	 
	 	 	 	 	 	 	 
	If
    applicable:	 	 	 	 	 	 
	 	 	 	 	 	 	 
	DELINQ_STATUS_CODE	 	FNMA
    Code Describing Status of Loan	 	 	 	 
	 	 	 	 	 	 	 
	DELINQ_REASON_CODE	 	The
    circumstances which caused a borrower to stop paying on a loan.   Code indicates the reason why the loan is in default
    for this cycle.	 	 	 	 
	 	 	 	 	 	 	 
	MI_CLAIM_FILED_DATE	 	Date
    Mortgage Insurance Claim Was Filed With Mortgage Insurance Company.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	MI_CLAIM_AMT	 	Amount
    of Mortgage Insurance Claim Filed	 	 	 	No
    commas(,) 

or dollar 

signs ($)
	 	 	 	 	 	 	 
	MI_CLAIM_PAID_DATE	 	Date
    Mortgage Insurance Company Disbursed Claim Payment	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	MI_CLAIM_AMT_PAID	 	Amount
    Mortgage Insurance Company Paid On Claim	 	2	 	No
    commas(,) 

or dollar 

signs ($)
	 	 	 	 	 	 	 
	POOL_CLAIM_FILED_DATE	 	Date
    Claim Was Filed With Pool Insurance Company	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	POOL_CLAIM_AMT	 	Amount
    of Claim Filed With Pool Insurance Company	 	2	 	No
    commas(,) 

or dollar 

signs ($)
	 	 	 	 	 	 	 
	POOL_CLAIM_PAID_DATE	 	Date
    Claim Was Settled and The Check Was Issued By The Pool Insurer	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	POOL_CLAIM_AMT_PAID	 	Amount
    Paid On Claim By Pool Insurance Company	 	2	 	No
    commas(,) 

or dollar 

signs ($)
	 	 	 	 	 	 	 
	FHA_PART_A_CLAIM_FILED_DATE	 	 Date
    FHA Part A Claim Was Filed With HUD	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FHA_PART_A_CLAIM_AMT	 	 Amount
    of FHA Part A Claim Filed	 	2	 	No
    commas(,) 

or dollar 

signs ($)
	 	 	 	 	 	 	 
	FHA_PART_A_CLAIM_PAID_DATE	 	 Date
    HUD Disbursed Part A Claim Payment	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FHA_PART_A_CLAIM_PAID_AMT	 	 Amount
    HUD Paid on Part A Claim	 	2	 	No
    commas(,) 

or dollar 

signs ($)
	 	 	 	 	 	 	 
	FHA_PART_B_CLAIM_FILED_DATE	 	  Date
    FHA Part B Claim Was Filed With HUD	 	 	 	MM/DD/YYYY


 





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	FHA_PART_B_CLAIM_AMT	 	  Amount
    of FHA Part B Claim Filed	 	2	 	No
    commas(,) 

or dollar 

signs ($)
	 	 	 	 	 	 	 
	FHA_PART_B_CLAIM_PAID_DATE	 	   Date
    HUD Disbursed Part B Claim Payment	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FHA_PART_B_CLAIM_PAID_AMT	 	 Amount
    HUD Paid on Part B Claim	 	2	 	No
    commas(,) 

or dollar 

signs ($)
	 	 	 	 	 	 	 
	VA_CLAIM_FILED_DATE	 	 Date
    VA Claim Was Filed With the Veterans Admin	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	VA_CLAIM_PAID_DATE	 	 Date
    Veterans Admin. Disbursed VA Claim Payment	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	VA_CLAIM_PAID_AMT	 	 Amount
    Veterans Admin. Paid on VA Claim	 	2	 	No
    commas(,) 

or dollar 

signs ($)
	 	 	 	 	 	 	 
	MOTION_FOR_RELIEF_DATE	 	The
    date the Motion for Relief was filed	 	10	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FRCLSR_BID_AMT	 	The
    foreclosure sale bid amount	 	11	 	No
    commas(,) or dollar signs ($)
	 	 	 	 	 	 	 
	FRCLSR_SALE_TYPE	 	The
    foreclosure sales results: REO, Third Party, Conveyance to HUD/VA	 	 	 	 
	 	 	 	 	 	 	 
	REO_PROCEEDS	 	The
    net proceeds from the sale of the REO property. 	 	 	 	No
    commas(,) or dollar signs ($)
	 	 	 	 	 	 	 
	BPO_DATE	 	The
    date the BPO was done.	 	 	 	 
	 	 	 	 	 	 	 
	CURRENT_FICO	 	The
    current FICO score	 	 	 	 
	 	 	 	 	 	 	 
	HAZARD_CLAIM_FILED_DATE	 	The
    date the Hazard Claim was filed with the Hazard Insurance Company.	 	10	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	HAZARD_CLAIM_AMT	 	The
    amount of the Hazard Insurance Claim filed.	 	11	 	No
    commas(,) or dollar signs ($)
	 	 	 	 	 	 	 
	HAZARD_CLAIM_PAID_DATE	 	The
    date the Hazard Insurance Company disbursed the claim payment.	 	10	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	HAZARD_CLAIM_PAID_AMT	 	The
    amount the Hazard Insurance Company paid on the claim.	 	11	 	No
    commas(,) or dollar signs ($)
	 	 	 	 	 	 	 
	ACTION_CODE	 	Indicates
    loan status	 	 	 	Number
	 	 	 	 	 	 	 
	NOD_DATE	 	 	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	NOI_DATE	 	 	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	ACTUAL_PAYMENT_PLAN_START_DATE	 	 	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	ACTUAL_PAYMENT_
    PLAN_END_DATE	 	 	 	 	 	 
	 	 	 	 	 	 	 
	ACTUAL_REO_START_DATE	 	 	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	REO_SALES_PRICE	 	 	 	 	 	Number
	 	 	 	 	 	 	 
	REALIZED_LOSS/GAIN	 	As
    defined in the Servicing Agreement	 	 	 	Number



 


Exhibit
2: Standard File Codes – Delinquency Reporting


 


The Loss Mit Type
field should show the approved Loss Mitigation Code as follows:





		·	ASUM-   Approved
                                                                                                                                Assumption



		·	BAP-       Borrower
                                                                                                                                Assistance
                                                                                                                                Program



		·	CO-          Charge
                                                                                                                              Off






 











	Page 4 of  7
	Please be advised that failure
    to comply with ANY or all of the guidelines entailed herein may result in issuance of late reporting fees.
	© Copyright Wells Fargo Bank, Corporate Trust
    Services
	Contact us with Reporting Questions: CTSDefaultSRG@WellsFargo.com










 






    	 



    	 



    
 


	 	·	DIL-	Deed-in-Lieu
	 	·	FFA-	Formal Forbearance Agreement
	 	·	MOD-	Loan Modification
	 	·	PRE-	Pre-Sale
	 	·	SS-	Short Sale
	 	·	MISC-	Anything else approved by the PMI or Pool Insurer







 


NOTE: Wells Fargo Bank
will accept alternative Loss Mitigation Types to those above, provided that they are consistent with industry standards. If Loss
Mitigation Types other than those above are used, the Servicer must supply Wells Fargo Bank with a description of each of the
Loss Mitigation Types prior to sending the file.


 


The Occupant Code field
should show the current status of the property code as follows:







  





	 	·	Mortgagor
	 	·	Tenant
	 	·	Unknown
	 	·	Vacant







 


The Property Condition
field should show the last reported condition of the property as follows: 


  





	 	·	Damaged
	 	·	Excellent
	 	·	Fair
	 	·	Gone
	 	·	Good
	 	·	Poor
	 	·	Special Hazard
	 	·	Unknown




  





	Page 5
    of  7
	Please
    be advised that failure to comply with ANY or all of the guidelines entailed herein may result in issuance of late reporting
    fees.
	© Copyright Wells Fargo
    Bank, Corporate Trust Services
	Contact us with Reporting Questions: CTSDefaultSRG@WellsFargo.com





 






    	 



    	 



    
  


Exhibit
2: Standard File Codes – Delinquency Reporting, Continued


 


The FNMA Delinquent Reason
Code field should show the Reason for Delinquency as follows:


 


	Delinquency
                                                                

        Code
	 	Delinquency Description
	001	 	FNMA-Death of principal mortgagor
	002	 	FNMA-Illness of principal mortgagor
	003	 	FNMA-Illness of mortgagor’s family member
	004	 	FNMA-Death of mortgagor’s family member
	005	 	FNMA-Marital difficulties
	006	 	FNMA-Curtailment of income
	007	 	FNMA-Excessive Obligation
	008	 	FNMA-Abandonment of property
	009	 	FNMA-Distant employee transfer
	011	 	FNMA-Property problem
	012	 	FNMA-Inability to sell property
	013	 	FNMA-Inability to rent property
	014	 	FNMA-Military Service
	015	 	FNMA-Other
	016	 	FNMA-Unemployment
	017	 	FNMA-Business failure
	019	 	FNMA-Casualty loss
	022	 	FNMA-Energy environment costs
	023	 	FNMA-Servicing problems
	026	 	FNMA-Payment adjustment
	027	 	FNMA-Payment dispute
	029	 	FNMA-Transfer of ownership pending
	030	 	FNMA-Fraud
	031	 	FNMA-Unable to contact borrower
	INC	 	FNMA-Incarceration


 


	Page 6
    of  7
	Please
    be advised that failure to comply with ANY or all of the guidelines entailed herein may result in issuance of late reporting
    fees.
	© Copyright Wells Fargo
    Bank, Corporate Trust Services
	Contact us with Reporting Questions: CTSDefaultSRG@WellsFargo.com







  






    	 



    	 



    
  


Exhibit
2: Standard File Codes – Delinquency Reporting, Continued


 


The FNMA Delinquent Status
Code field should show the Status of Default as follows:


 


	Status
    Code	 	Status Description
	09	 	Forbearance
	17	 	Pre-foreclosure Sale Closing Plan Accepted
	24	 	Government Seizure
	26	 	Refinance
	27	 	Assumption
	28	 	Modification
	29	 	Charge-Off
	30	 	Third Party Sale
	31	 	Probate
	32	 	Military Indulgence
	43	 	Foreclosure Started
	44	 	Deed-in-Lieu Started
	49	 	Assignment Completed
	61	 	Second Lien Considerations
	62	 	Veteran’s Affairs-No Bid
	63	 	Veteran’s Affairs-Refund
	64	 	Veteran’s Affairs-Buydown
	65	 	Chapter 7 Bankruptcy
	66	 	Chapter 11 Bankruptcy
	67	 	Chapter 13 Bankruptcy


 


	Page 7
    of  7
	Please
    be advised that failure to comply with ANY or all of the guidelines entailed herein may result in issuance of late reporting
    fees.
	© Copyright Wells Fargo
    Bank, Corporate Trust Services
	Contact us with Reporting Questions: CTSDefaultSRG@WellsFargo.com