EXHIBIT 10.5


 





ASSIGNMENT, ASSUMPTION AND RECOGNITION
AGREEMENT


 


This is an Assignment,
Assumption and Recognition Agreement (the “Agreement”) made as of the 29th day of March, 2012, among Redwood
Residential Acquisition Corporation, a Delaware corporation (“Assignor”), Sequoia Residential Funding, Inc., a Delaware
corporation (“Depositor”), U.S. Bank National Association, a national banking association, 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 March 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


 


(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.






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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 national banking
association duly organized, validly existing and in good standing under the laws of the jurisdiction of its organization; and


 


(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.


 



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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

         

        7.05
	
        Repurchase of Mortgage Loans
        with Early Payment Default

         

        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, Maryland, Minnesota,
Missouri or New York, (iii) a day on which banks in the states of California, 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 March 1,
2012, in accordance with the Pooling and Servicing Agreement.


 


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.


 



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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.


 



    	13



    	 



    



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.


 



    	14



    	 



    



(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 2012-2 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 U.S. Bank National Association, as trustee of the Sequoia Mortgage Trust 2012-2”
(the “2012-2 Custodial Account”), which shall be the Custodial Account under this Agreement for all purposes. If the
2012-2 Custodial Account is no longer an Eligible Account, the Servicer shall transfer the 2012-2 Custodial Account to an account
that is an Eligible Account. The 2012-2 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 2012-2
Custodial Account, as appropriate, out of the Servicer’s own funds, with no right to reimbursement therefor.



 



    	15



    	 



    



(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:


 



    	16



    	 



    



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.


 



    	17



    	 



    



(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.


 



    	18



    	 



    



(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.


 



    	19



    	 



    



(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, 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.


 



    	20



    	 



    



(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


 


with a copy to the General
Counsel at the same address






    	21



    	 



    
 


 


		(b)	In the case of Assignee,



 


U.S. Bank National Association


60 Livingston Avenue


EP-MN-WS3D


St. Paul, Minnesota,
55107


Attention: Structured
Finance – Sequoia Mortgage Loan Trust 2012-2


 


		(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 2012-2


 


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



 


Sequoia Mortgage Funding
Corporation


One Belvedere Place,
Suite 360


Mill Valley, California
94941


Attention: William Moliski


 


with a copy to


 


General Counsel at the
same address


 



    	22



    	 



    



 


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.


 


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 U.S. Bank National Association (“U.S. Bank”) 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 U.S.
Bank 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 U.S. Bank, 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 U.S. Bank 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.


 



    	23



    	 



    



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 #6188200, Sequoia
Mortgage Trust 2012-2 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.


 



    	24



    	 



    



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 U.S. Bank National Association, as trustee of the Sequoia
Mortgage Trust 2012-2 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 2012-2” 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:                                                                


Name:                                                           


Title:                                                             


 


 


SEQUOIA RESIDENTIAL FUNDING, INC.


Depositor





 


By:                                                                


Name:                                                           


Title:                                                             


 





 


U.S. BANK NATIONAL ASSOCIATION, not in its 

individual
capacity but solely as Trustee,


Assignee





 


By:                                                                


Name:                                                           


Title:                                                             


 





 


FIRST REPUBLIC BANK


Bank





 


By:                                                                


Name:                                                           


Title:                                                             


 








Accepted and agreed to by:


 


WELLS FARGO BANK, N.A.


Master Servicer





 


By:                                                                


Name:                                                           


Title:                                                             


 









    	26



    	 



    
 


 


 





ATTACHMENT 1A


 


MORTGAGE LOAN SCHEDULE


 


 






    	27



    	 



    
 





	KEY	CounterParty	Primary Servicer	Servicing Fee %	Servicing Fee—Flatdollar	Servicing Advance Methodology	Originator	Loan Group	Loan Number	Servicer Loan Number	Amortization Type	Lien Position
	1	FRB	1002338	0.0025	 	 	1002338	1	3000001081	12-473006-5	1	1
	2	FRB	1002338	0.0025	 	 	1002338	1	993000189	22-468595-4	1	1
	3	FRB	1002338	0.0025	 	 	1002338	1	993000160	12-476337-1	1	1
	4	FRB	1002338	0.0025	 	 	1002338	1	993000156	12-476256-3	1	1
	5	FRB	1002338	0.0025	 	 	1002338	1	993000148	12-476049-2	1	1
	6	FRB	1002338	0.0025	 	 	1002338	1	993000130	12-475821-5	1	1
	7	FRB	1002338	0.0025	 	 	1002338	1	993000125	12-475753-0	1	1
	8	FRB	1002338	0.0025	 	 	1002338	1	993000124	12-475750-6	1	1
	9	FRB	1002338	0.0025	 	 	1002338	1	993000121	12-475717-5	1	1
	10	FRB	1002338	0.0025	 	 	1002338	1	993000120	12-475709-2	1	1
	11	FRB	1002338	0.0025	 	 	1002338	1	993000114	12-475549-2	1	1
	12	FRB	1002338	0.0025	 	 	1002338	1	993000111	12-475426-3	1	1
	13	FRB	1002338	0.0025	 	 	1002338	1	993000109	12-475299-4	1	1
	14	FRB	1002338	0.0025	 	 	1002338	1	993000108	12-475259-8	1	1
	15	FRB	1002338	0.0025	 	 	1002338	1	993000107	12-475211-9	1	1
	16	FRB	1002338	0.0025	 	 	1002338	1	3000001419	12-475113-7	1	1
	17	FRB	1002338	0.0025	 	 	1002338	1	993000105	12-475083-2	1	1
	18	FRB	1002338	0.0025	 	 	1002338	1	993000104	12-475069-1	1	1
	19	FRB	1002338	0.0025	 	 	1002338	1	993000102	12-474971-9	1	1
	20	FRB	1002338	0.0025	 	 	1002338	1	993000101	12-474943-8	1	1
	21	FRB	1002338	0.0025	 	 	1002338	1	993000098	12-474835-6	1	1
	22	FRB	1002338	0.0025	 	 	1002338	1	993000096	12-474804-2	1	1
	23	FRB	1002338	0.0025	 	 	1002338	1	993000095	12-474790-3	1	1
	24	FRB	1002338	0.0025	 	 	1002338	1	993000094	12-474765-5	1	1
	25	FRB	1002338	0.0025	 	 	1002338	1	993000093	12-474723-4	1	1
	26	FRB	1002338	0.0025	 	 	1002338	1	993000092	12-474700-2	1	1
	27	FRB	1002338	0.0025	 	 	1002338	1	993000090	12-474566-7	1	1
	28	FRB	1002338	0.0025	 	 	1002338	1	993000089	12-474556-8	1	1
	29	FRB	1002338	0.0025	 	 	1002338	1	993000088	12-474537-8	1	1
	30	FRB	1002338	0.0025	 	 	1002338	1	993000087	12-474373-8	1	1
	31	FRB	1002338	0.0025	 	 	1002338	1	993000086	12-474369-6	1	1
	32	FRB	1002338	0.0025	 	 	1002338	1	993000085	12-474277-1	1	1
	33	FRB	1002338	0.0025	 	 	1002338	1	993000084	12-474196-3	1	1
	34	FRB	1002338	0.0025	 	 	1002338	1	993000083	12-474066-8	1	1
	35	FRB	1002338	0.0025	 	 	1002338	1	993000082	12-474059-3	1	1
	36	FRB	1002338	0.0025	 	 	1002338	1	993000079	12-473781-3	1	1
	37	FRB	1002338	0.0025	 	 	1002338	1	993000078	12-473707-8	1	1
	38	FRB	1002338	0.0025	 	 	1002338	1	993000077	12-473677-3	1	1
	39	FRB	1002338	0.0025	 	 	1002338	1	993000076	12-473669-0	1	1
	40	FRB	1002338	0.0025	 	 	1002338	1	993000073	12-473570-0	1	1
	41	FRB	1002338	0.0025	 	 	1002338	1	993000070	12-473350-7	1	1
	42	FRB	1002338	0.0025	 	 	1002338	1	993000069	12-473327-5	1	1
	43	FRB	1002338	0.0025	 	 	1002338	1	993000067	12-473233-5	1	1
	44	FRB	1002338	0.0025	 	 	1002338	1	993000064	12-473092-5	1	1
	45	FRB	1002338	0.0025	 	 	1002338	1	993000063	12-473018-0	1	1
	46	FRB	1002338	0.0025	 	 	1002338	1	993000062	12-472990-1	1	1
	47	FRB	1002338	0.0025	 	 	1002338	1	993000061	12-472966-1	1	1
	48	FRB	1002338	0.0025	 	 	1002338	1	993000059	12-472902-6	1	1
	49	FRB	1002338	0.0025	 	 	1002338	1	993000058	12-472876-2	1	1
	50	FRB	1002338	0.0025	 	 	1002338	1	993000057	12-472867-1	1	1
	51	FRB	1002338	0.0025	 	 	1002338	1	993000054	12-472768-1	1	1
	52	FRB	1002338	0.0025	 	 	1002338	1	993000053	12-472714-5	1	1
	53	FRB	1002338	0.0025	 	 	1002338	1	993000052	12-472673-3	1	1
	54	FRB	1002338	0.0025	 	 	1002338	1	993000051	12-472668-3	1	1
	55	FRB	1002338	0.0025	 	 	1002338	1	993000046	12-472495-1	1	1
	56	FRB	1002338	0.0025	 	 	1002338	1	993000045	12-472455-5	1	1
	57	FRB	1002338	0.0025	 	 	1002338	1	993000044	12-472425-8	1	1
	58	FRB	1002338	0.0025	 	 	1002338	1	993000043	12-472421-7	1	1
	59	FRB	1002338	0.0025	 	 	1002338	1	993000041	12-472407-6	1	1
	60	FRB	1002338	0.0025	 	 	1002338	1	993000040	12-472315-1	1	1
	61	FRB	1002338	0.0025	 	 	1002338	1	993000039	12-472310-2	1	1
	62	FRB	1002338	0.0025	 	 	1002338	1	993000038	12-472266-6	1	1
	63	FRB	1002338	0.0025	 	 	1002338	1	993000036	12-472241-9	1	1
	64	FRB	1002338	0.0025	 	 	1002338	1	993000034	12-472083-5	1	1
	65	FRB	1002338	0.0025	 	 	1002338	1	993000033	12-472070-2	1	1
	66	FRB	1002338	0.0025	 	 	1002338	1	993000031	12-471985-2	1	1
	67	FRB	1002338	0.0025	 	 	1002338	1	993000027	12-471761-7	1	1
	68	FRB	1002338	0.0025	 	 	1002338	1	993000026	12-471754-2	1	1
	69	FRB	1002338	0.0025	 	 	1002338	1	993000024	12-471618-9	1	1
	70	FRB	1002338	0.0025	 	 	1002338	1	993000023	12-471609-8	1	1
	71	FRB	1002338	0.0025	 	 	1002338	1	993000022	12-471590-0	1	1
	72	FRB	1002338	0.0025	 	 	1002338	1	993000020	12-471562-9	1	1
	73	FRB	1002338	0.0025	 	 	1002338	1	993000013	12-471003-4	1	1
	74	FRB	1002338	0.0025	 	 	1002338	1	993000011	12-470045-6	1	1
	75	FRB	1002338	0.0025	 	 	1002338	1	993000010	12-469847-8	1	1
	76	FRB	1002338	0.0025	 	 	1002338	1	993000008	12-467546-8	1	1
	77	FRB	1002338	0.0025	 	 	1002338	1	993000004	12-114266-0	1	1
	78	FRB	1002338	0.0025	 	 	1002338	1	3000001950	22-476873-5	1	1
	79	FRB	1002338	0.0025	 	 	1002338	1	3000001986	12-477137-4	1	1
	80	FRB	1002338	0.0025	 	 	1002338	1	993000016	12-471133-9	1	1
	81	FRB	1002338	0.0025	 	 	1002338	1	993000017	12-471297-2	1	1
	82	FRB	1002338	0.0025	 	 	1002338	1	993000018	12-471471-3	1	1
	83	FRB	1002338	0.0025	 	 	1002338	1	993000019	12-471514-0	1	1
	84	FRB	1002338	0.0025	 	 	1002338	1	993000003	12-114252-0	1	1
	85	FRB	1002338	0.0025	 	 	1002338	1	993000028	12-471820-1	1	1
	86	FRB	1002338	0.0025	 	 	1002338	1	993000029	12-471847-4	1	1
	87	FRB	1002338	0.0025	 	 	1002338	1	993000025	12-471684-1	1	1
	88	FRB	1002338	0.0025	 	 	1002338	1	993000048	12-472624-6	1	1
	89	FRB	1002338	0.0025	 	 	1002338	1	993000037	12-472247-6	1	1
	90	FRB	1002338	0.0025	 	 	1002338	1	993000056	12-472804-4	1	1
	91	FRB	1002338	0.0025	 	 	1002338	1	993000050	12-472660-0	1	1
	92	FRB	1002338	0.0025	 	 	1002338	1	993000060	12-472947-1	1	1
	93	FRB	1002338	0.0025	 	 	1002338	1	993000190	22-473341-6	1	1
	94	FRB	1002338	0.0025	 	 	1002338	1	993000068	12-473288-9	1	1
	95	FRB	1002338	0.0025	 	 	1002338	1	993000015	12-471102-4	1	1
	96	FRB	1002338	0.0025	 	 	1002338	1	993000072	12-473507-2	1	1
	97	FRB	1002338	0.0025	 	 	1002338	1	993000047	12-472530-5	1	1
	98	FRB	1002338	0.0025	 	 	1002338	1	993000097	12-474825-7	1	1
	99	FRB	1002338	0.0025	 	 	1002338	1	993000146	12-476014-6	1	1
	100	FRB	1002338	0.0025	 	 	1002338	1	993000123	12-475738-1	1	1
	101	FRB	1002338	0.0025	 	 	1002338	1	3000002103	12-475757-1	1	1
	102	FRB	1002338	0.0025	 	 	1002338	1	3000002417	12-479062-2	1	1
	103	FRB	1002338	0.0025	 	 	1002338	1	3000002911	12-478603-4	1	1
	104	FRB	1002338	0.0025	 	 	1002338	1	3000001896	12-475996-5	1	1
	105	FRB	1002338	0.0025	 	 	1002338	1	3000002104	12-477461-8	1	1
	106	FRB	1002338	0.0025	 	 	1002338	1	3000002906	12-475616-9	1	1
	107	FRB	1002338	0.0025	 	 	1002338	1	3000002967	12-477408-9	1	1
	108	FRB	1002338	0.0025	 	 	1002338	1	3000002913	12-478656-2	1	1
	109	FRB	1002338	0.0025	 	 	1002338	1	3000002961	12-478692-7	1	1
	110	FRB	1002338	0.0025	 	 	1002338	1	3000002908	12-478762-8	1	1
	111	FRB	1002338	0.0025	 	 	1002338	1	3000002923	12-478892-3	1	1
	112	FRB	1002338	0.0025	 	 	1002338	1	3000002914	12-478971-5	1	1
	113	FRB	1002338	0.0025	 	 	1002338	1	3000002924	12-479189-3	1	1
	114	FRB	1002338	0.0025	 	 	1002338	1	3000002957	12-479199-2	1	1
	115	FRB	1002338	0.0025	 	 	1002338	1	3000002940	12-479289-1	1	1
	116	FRB	1002338	0.0025	 	 	1002338	1	3000002927	12-479398-0	1	1
	117	FRB	1002338	0.0025	 	 	1002338	1	3000002969	12-479777-5	1	1
	118	FRB	1002338	0.0025	 	 	1002338	1	3000002947	12-479872-4	1	1
	119	FRB	1002338	0.0025	 	 	1002338	1	993000001	12-114172-0	1	1
	120	FRB	1002338	0.0025	 	 	1002338	1	3000002291	12-478541-6	1	1
	121	FRB	1002338	0.0025	 	 	1002338	1	3000002038	12-476326-4	1	1


 


	KEY	HELOC Indicator	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)
	1	0	7	 	 	 	 	 	1	0	0
	2	0	7	 	 	 	 	 	1	0	0
	3	0	7	 	 	 	 	 	1	0	0
	4	0	7	 	 	 	 	 	1	0	0
	5	0	7	 	 	 	 	 	1	0	0
	6	0	6	 	 	 	 	 	1	0	0
	7	0	7	 	 	 	 	 	1	0	0
	8	0	7	 	 	 	 	 	1	0	0
	9	0	9	 	 	 	 	 	1	0	0
	10	0	9	 	 	 	 	 	1	0	0
	11	0	7	 	 	 	 	 	1	0	0
	12	0	9	 	 	 	 	 	1	0	0
	13	0	9	 	 	 	 	 	1	0	0
	14	0	9	 	 	 	 	 	1	0	0
	15	0	9	 	 	 	 	 	1	0	0
	16	0	9	 	 	 	 	 	1	0	0
	17	0	9	 	 	 	 	 	1	0	0
	18	0	7	 	 	 	 	 	1	0	0
	19	0	7	 	 	 	 	 	1	0	0
	20	0	9	 	 	 	 	 	1	0	0
	21	0	9	 	 	 	 	 	1	0	0
	22	0	9	 	 	 	 	 	1	0	0
	23	0	9	 	 	 	 	 	1	0	0
	24	0	7	 	 	 	 	 	1	0	0
	25	0	9	 	 	 	 	 	1	0	0
	26	0	9	 	 	 	 	 	1	0	0
	27	0	9	 	 	 	 	 	1	0	0
	28	0	9	 	 	 	 	 	1	0	0
	29	0	9	 	 	 	 	 	1	0	0
	30	0	9	 	 	 	 	 	1	0	0
	31	0	9	 	 	 	 	 	1	0	0
	32	0	7	 	 	 	 	 	1	0	0
	33	0	9	 	 	 	 	 	1	0	0
	34	0	9	 	 	 	 	 	1	0	0
	35	0	3	 	 	 	 	 	1	0	0
	36	0	7	 	 	 	 	 	1	0	0
	37	0	3	 	 	 	 	 	1	0	0
	38	0	9	 	 	 	 	 	1	0	0
	39	0	7	 	 	 	 	 	1	0	0
	40	0	9	 	 	 	 	 	1	0	0
	41	0	7	 	 	 	 	 	1	0	0
	42	0	7	 	 	 	 	 	1	0	0
	43	0	9	 	 	 	 	 	1	0	0
	44	0	9	 	 	 	 	 	1	0	0
	45	0	7	 	 	 	 	 	1	0	0
	46	0	7	 	 	 	 	 	1	0	0
	47	0	9	 	 	 	 	 	1	0	0
	48	0	7	 	 	 	 	 	1	0	0
	49	0	9	 	 	 	 	 	1	0	0
	50	0	3	 	 	 	 	 	1	4	0
	51	0	7	 	 	 	 	 	1	0	0
	52	0	7	 	 	 	 	 	1	0	0
	53	0	9	 	 	 	 	 	1	0	0
	54	0	9	 	 	 	 	 	1	0	0
	55	0	7	 	 	 	 	 	1	0	0
	56	0	3	 	 	 	 	 	1	0	0
	57	0	6	 	 	 	 	 	1	0	0
	58	0	7	 	 	 	 	 	1	0	0
	59	0	9	 	 	 	 	 	1	0	0
	60	0	9	 	 	 	 	 	1	0	0
	61	0	3	 	 	 	 	 	1	0	0
	62	0	7	 	 	 	 	 	1	0	0
	63	0	9	 	 	 	 	 	1	0	0
	64	0	6	 	 	 	 	 	1	0	0
	65	0	7	 	 	 	 	 	1	0	0
	66	0	7	 	 	 	 	 	1	0	0
	67	0	7	 	 	 	 	 	1	0	0
	68	0	9	 	 	 	 	 	1	0	0
	69	0	7	 	 	 	 	 	1	0	0
	70	0	7	 	 	 	 	 	1	0	0
	71	0	7	 	 	 	 	 	1	0	0
	72	0	7	 	 	 	 	 	1	0	0
	73	0	7	 	 	 	 	 	1	0	0
	74	0	9	 	 	 	 	 	1	0	0
	75	0	9	 	 	 	 	 	1	0	0
	76	0	9	 	 	 	 	 	1	0	0
	77	0	3	 	 	 	 	 	1	0	0
	78	0	9	 	 	 	 	 	1	0	0
	79	0	7	 	 	 	 	 	1	0	0
	80	0	7	 	 	 	 	 	1	0	0
	81	0	7	 	 	 	 	 	1	0	0
	82	0	7	 	 	 	 	 	1	0	0
	83	0	9	 	 	 	 	 	1	0	0
	84	0	7	 	 	 	 	 	1	0	0
	85	0	7	 	 	 	 	 	1	0	0
	86	0	9	 	 	 	 	 	1	0	0
	87	0	7	 	 	 	 	 	1	0	0
	88	0	9	 	 	 	 	 	1	0	0
	89	0	3	 	 	 	 	 	1	0	0
	90	0	7	 	 	 	 	 	1	0	0
	91	0	3	 	 	 	 	 	1	0	0
	92	0	7	 	 	 	 	 	1	0	0
	93	0	7	 	 	 	 	 	1	0	0
	94	0	9	 	 	 	 	 	1	0	0
	95	0	9	 	 	 	 	 	1	0	0
	96	0	7	 	 	 	 	 	1	0	0
	97	0	7	 	 	 	 	 	1	0	0
	98	0	7	 	 	 	 	 	1	0	0
	99	0	7	 	 	 	 	 	1	0	0
	100	0	7	 	 	 	 	 	1	0	0
	101	0	6	 	 	 	 	 	1	0	0
	102	0	6	 	 	 	 	 	1	0	0
	103	0	9	 	 	 	 	 	1	0	0
	104	0	7	 	 	 	 	 	1	0	0
	105	0	9	 	 	 	 	 	1	0	0
	106	0	7	 	 	 	 	 	1	0	0
	107	0	9	 	 	 	 	 	1	0	0
	108	0	9	 	 	 	 	 	1	0	0
	109	0	7	 	 	 	 	 	1	0	0
	110	0	9	 	 	 	 	 	1	0	0
	111	0	7	 	 	 	 	 	1	0	0
	112	0	3	 	 	 	 	 	1	0	0
	113	0	7	 	 	 	 	 	1	0	0
	114	0	3	 	 	 	 	 	1	0	0
	115	0	7	 	 	 	 	 	1	0	0
	116	0	3	 	 	 	 	 	1	0	0
	117	0	7	 	 	 	 	 	1	0	0
	118	0	7	 	 	 	 	 	1	0	0
	119	0	9	 	 	 	 	 	1	0	0
	120	0	7	 	 	 	 	 	1	0	0
	121	0	9	 	 	 	 	 	1	0	0


 


	KEY	Loan Type of Most
 Senior Lien	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	Interest Type
 Indicator	Original Interest
 Only Term
	1	 	 	 	0.00	 	20110823	980,000.00	0.0475	360	360	20111001	1	0
	2	 	 	 	0.00	 	20110817	1,272,000.00	0.0495	360	360	20111001	1	120
	3	 	 	 	0.00	 	20111021	843,750.00	0.0460	360	360	20120101	1	0
	4	 	 	 	0.00	 	20111024	918,400.00	0.0460	360	360	20111201	1	120
	5	 	 	 	0.00	 	20111013	1,436,050.00	0.0430	360	360	20111201	1	120
	6	 	 	 	0.00	 	20111019	675,600.00	0.0445	360	360	20111201	1	0
	7	 	 	 	0.00	 	20111018	1,020,000.00	0.0425	360	360	20111201	1	0
	8	 	 	 	300,000.00	 	20111028	1,600,000.00	0.0430	360	360	20111201	1	0
	9	 	 	 	0.00	 	20111007	400,000.00	0.0380	360	360	20111201	1	0
	10	 	 	 	67,500.00	 	20111017	1,473,000.00	0.0440	360	360	20111201	1	0
	11	 	 	 	0.00	 	20111011	1,050,000.00	0.0475	360	360	20111201	1	120
	12	 	 	 	130,000.00	 	20111014	487,500.00	0.0400	360	360	20111201	1	0
	13	 	 	 	0.00	 	20111012	1,000,000.00	0.0450	360	360	20111201	1	0
	14	 	 	 	200,000.00	 	20111007	878,000.00	0.0445	360	360	20111201	1	0
	15	 	 	 	183,000.00	 	20111019	985,000.00	0.0420	360	360	20111201	1	0
	16	 	 	 	0.00	 	20111025	1,225,000.00	0.0455	360	360	20120101	1	0
	17	 	 	 	0.00	 	20111005	1,400,000.00	0.0430	360	360	20111201	1	0
	18	 	 	 	0.00	 	20110929	1,815,450.00	0.0420	360	360	20111201	1	0
	19	 	 	 	0.00	 	20111004	940,000.00	0.0420	360	360	20111201	1	0
	20	 	 	 	0.00	 	20111017	500,000.00	0.0440	360	360	20111201	1	0
	21	 	 	 	110,000.00	 	20111003	1,000,000.00	0.0430	360	360	20111201	1	0
	22	 	 	 	700,000.00	 	20110928	1,341,000.00	0.0430	360	360	20111201	1	0
	23	 	 	 	0.00	 	20111019	640,000.00	0.0440	360	360	20111201	1	0
	24	 	 	 	0.00	 	20110908	500,000.00	0.0430	360	360	20111101	1	0
	25	 	 	 	0.00	 	20111007	1,050,000.00	0.0425	360	360	20111201	1	0
	26	 	 	 	150,000.00	 	20110921	900,000.00	0.0425	360	360	20111101	1	0
	27	 	 	 	250,000.00	 	20111001	407,000.00	0.0380	360	360	20111201	1	0
	28	 	 	 	0.00	 	20111017	1,000,000.00	0.0420	360	360	20111201	1	0
	29	 	 	 	371,250.00	 	20110929	915,000.00	0.0405	360	360	20111201	1	0
	30	 	 	 	425,000.00	 	20110927	2,500,000.00	0.0425	360	360	20111201	1	0
	31	 	 	 	240,000.00	 	20110923	2,000,000.00	0.0420	360	360	20111101	1	0
	32	 	 	 	0.00	 	20111021	1,100,000.00	0.0460	360	360	20111201	1	120
	33	 	 	 	150,000.00	 	20110915	1,300,000.00	0.0440	360	360	20111101	1	120
	34	 	 	 	0.00	 	20110913	150,000.00	0.0555	360	360	20111101	1	0
	35	 	 	 	0.00	 	20110913	112,000.00	0.0565	360	360	20111101	1	0
	36	 	 	 	0.00	 	20110822	417,000.00	0.0425	360	360	20111101	1	0
	37	 	 	 	0.00	 	20110909	44,135.00	0.0485	360	360	20111101	1	0
	38	 	 	 	0.00	 	20110909	452,000.00	0.0515	360	360	20111101	1	0
	39	 	 	 	0.00	 	20110819	1,000,000.00	0.0450	360	360	20111001	1	0
	40	 	 	 	0.00	 	20110824	1,100,000.00	0.0475	360	360	20111101	1	0
	41	 	 	 	0.00	 	20110805	280,000.00	0.0500	360	360	20111001	1	0
	42	 	 	 	0.00	 	20110822	1,000,000.00	0.0445	360	360	20111101	1	0
	43	 	 	 	70,000.00	 	20110819	870,000.00	0.0480	360	360	20111001	1	0
	44	 	 	 	0.00	 	20110812	1,000,000.00	0.0460	360	360	20111001	1	0
	45	 	 	 	0.00	 	20110815	378,900.00	0.0530	360	360	20111001	1	0
	46	 	 	 	0.00	 	20110815	304,500.00	0.0530	360	360	20111001	1	0
	47	 	 	 	0.00	 	20110804	1,100,000.00	0.0495	360	360	20111001	1	120
	48	 	 	 	118,750.00	 	20110818	2,000,000.00	0.0475	360	360	20111001	1	0
	49	 	 	 	250,000.00	 	20110822	990,000.00	0.0490	360	360	20111001	1	0
	50	 	 	 	100,000.00	 	20110901	1,650,000.00	0.0435	360	360	20111101	1	0
	51	 	 	 	0.00	 	20110715	1,700,000.00	0.0485	360	360	20110901	1	120
	52	 	 	 	0.00	 	20110802	622,500.00	0.0485	360	360	20111001	1	0
	53	 	 	 	0.00	 	20110801	825,000.00	0.0470	360	360	20111001	1	0
	54	 	 	 	0.00	 	20110726	2,065,000.00	0.0460	360	360	20111001	1	0
	55	 	 	 	0.00	 	20110726	716,000.00	0.0480	360	360	20111001	1	0
	56	 	 	 	0.00	 	20110812	1,700,000.00	0.0490	360	360	20111001	1	0
	57	 	 	 	0.00	 	20110729	610,000.00	0.0465	360	360	20110901	1	0
	58	 	 	 	0.00	 	20110719	1,400,000.00	0.0455	360	360	20110901	1	0
	59	 	 	 	0.00	 	20110725	127,500.00	0.0490	360	360	20111001	1	0
	60	 	 	 	500,000.00	 	20111003	1,100,000.00	0.0415	360	360	20111201	1	0
	61	 	 	 	0.00	 	20110721	150,000.00	0.0420	360	360	20111001	1	0
	62	 	 	 	0.00	 	20110818	288,750.00	0.0445	360	360	20111001	1	0
	63	 	 	 	0.00	 	20110914	835,000.00	0.0490	360	360	20111101	1	0
	64	 	 	 	0.00	 	20110721	1,481,250.00	0.0455	360	360	20110901	1	0
	65	 	 	 	0.00	 	20110722	959,200.00	0.0455	360	360	20110901	1	0
	66	 	 	 	0.00	 	20110624	1,387,500.00	0.0455	360	360	20110901	1	0
	67	 	 	 	0.00	 	20111007	787,500.00	0.0455	360	360	20111201	1	0
	68	 	 	 	900,000.00	 	20110802	1,100,000.00	0.0485	360	360	20111001	1	0
	69	 	 	 	220,000.00	 	20110808	1,500,000.00	0.0475	360	360	20111001	1	0
	70	 	 	 	900,000.00	 	20110615	1,100,000.00	0.0485	360	360	20110801	1	120
	71	 	 	 	0.00	 	20110809	829,000.00	0.0470	360	360	20111001	1	0
	72	 	 	 	0.00	 	20110627	1,172,000.00	0.0470	360	360	20110801	1	0
	73	 	 	 	275,000.00	 	20110809	1,569,000.00	0.0450	360	360	20111001	1	0
	74	 	 	 	800,000.00	 	20110606	1,000,000.00	0.0455	360	360	20110801	1	0
	75	 	 	 	0.00	 	20110721	394,860.00	0.0455	360	360	20111001	1	0
	76	 	 	 	0.00	 	20110727	412,000.00	0.0530	360	360	20110901	1	0
	77	 	 	 	183,000.00	 	20110830	417,000.00	0.0410	360	360	20111101	1	0
	78	 	 	 	0.00	 	20111123	1,757,134.00	0.0455	360	360	20120101	1	0
	79	 	 	 	0.00	 	20111202	740,000.00	0.0460	360	360	20120201	1	0
	80	 	 	 	0.00	 	20110622	556,800.00	0.0480	360	360	20110801	1	120
	81	 	 	 	0.00	 	20110805	956,250.00	0.0495	360	360	20111001	1	0
	82	 	 	 	0.00	 	20110706	2,000,000.00	0.0490	360	360	20110901	1	120
	83	 	 	 	0.00	 	20110712	1,120,740.00	0.0485	360	360	20110901	1	0
	84	 	 	 	0.00	 	20110623	512,000.00	0.0485	360	360	20110901	1	120
	85	 	 	 	0.00	 	20110708	1,537,500.00	0.0485	360	360	20110901	1	120
	86	 	 	 	0.00	 	20110706	1,500,000.00	0.0485	360	360	20110901	1	120
	87	 	 	 	500,000.00	 	20110816	1,000,000.00	0.0475	360	360	20111001	1	120
	88	 	 	 	0.00	 	20110715	1,210,000.00	0.0455	360	360	20110901	1	0
	89	 	 	 	750,000.00	 	20110729	1,000,000.00	0.0490	360	360	20111001	1	0
	90	 	 	 	570,000.00	 	20110727	900,000.00	0.0475	360	360	20111001	1	120
	91	 	 	 	0.00	 	20110804	400,000.00	0.0455	360	360	20111001	1	0
	92	 	 	 	0.00	 	20110830	960,000.00	0.0470	360	360	20111001	1	120
	93	 	 	 	0.00	 	20110803	540,000.00	0.0450	360	360	20111001	1	0
	94	 	 	 	0.00	 	20110729	825,000.00	0.0485	360	360	20111001	1	120
	95	 	 	 	0.00	 	20110817	1,750,000.00	0.0505	360	360	20111001	1	0
	96	 	 	 	0.00	 	20110906	337,000.00	0.0430	360	360	20111101	1	0
	97	 	 	 	0.00	 	20110822	280,000.00	0.0460	360	360	20111001	1	0
	98	 	 	 	0.00	 	20110919	3,000,000.00	0.0425	360	360	20111101	1	120
	99	 	 	 	450,000.00	 	20111020	850,000.00	0.0460	360	360	20111201	1	120
	100	 	 	 	0.00	 	20111019	275,000.00	0.0455	360	360	20111201	1	0
	101	 	 	 	0.00	 	20111122	1,100,000.00	0.0440	360	360	20120101	1	0
	102	 	 	 	0.00	 	20111223	1,075,000.00	0.0420	360	360	20120201	1	0
	103	 	 	 	0.00	 	20120126	520,000.00	0.0420	360	360	20120301	1	0
	104	 	 	 	0.00	 	20111027	2,000,000.00	0.0515	360	360	20120101	1	120
	105	 	 	 	0.00	 	20111208	1,480,000.00	0.0420	360	360	20120201	1	0
	106	 	 	 	0.00	 	20120131	686,250.00	0.0440	360	360	20120301	1	0
	107	 	 	 	0.00	 	20120202	1,970,000.00	0.0435	360	360	20120401	1	120
	108	 	 	 	0.00	 	20120201	1,540,000.00	0.0415	360	360	20120401	1	0
	109	 	 	 	0.00	 	20120123	900,000.00	0.0445	360	360	20120301	1	120
	110	 	 	 	0.00	 	20120123	1,400,000.00	0.0420	360	360	20120301	1	0
	111	 	 	 	0.00	 	20120203	537,600.00	0.0420	360	360	20120401	1	0
	112	 	 	 	0.00	 	20120118	675,000.00	0.0405	360	360	20120301	1	0
	113	 	 	 	0.00	 	20120131	980,000.00	0.0415	360	360	20120301	1	0
	114	 	 	 	0.00	 	20120203	875,000.00	0.0400	360	360	20120401	1	0
	115	 	 	 	0.00	 	20120110	1,400,000.00	0.0390	360	360	20120301	1	0
	116	 	 	 	0.00	 	20120131	568,750.00	0.0415	360	360	20120401	1	0
	117	 	 	 	0.00	 	20120124	712,500.00	0.0445	360	360	20120301	1	120
	118	 	 	 	0.00	 	20120123	615,000.00	0.0420	360	360	20120301	1	0
	119	 	 	 	0.00	 	20110729	340,000.00	0.0445	360	360	20111001	1	0
	120	 	 	 	0.00	 	20111227	1,143,750.00	0.0420	360	360	20120301	1	0
	121	 	 	 	0.00	 	20111208	756,000.00	0.0440	360	360	20120201	1	0


 


	KEY	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	ARM Look-back
 Days	Gross Margin	ARM Round Flag	ARM Round Factor	Initial Fixed Rate
 Period
	1	0	 	972,528.52	0.0475	5,112.15	20120301	0	0	 	 	 	 	 
	2	0	 	1,272,000.00	0.0495	5,247.00	20120301	0	0	 	 	 	 	 
	3	0	 	840,464.24	0.0460	4,325.44	20120301	0	0	 	 	 	 	 
	4	0	 	918,400.00	0.0460	3,520.53	20120301	0	0	 	 	 	 	 
	5	0	 	1,436,050.00	0.0430	5,145.85	20120301	0	0	 	 	 	 	 
	6	0	 	671,988.86	0.0445	3,403.13	20120301	0	0	 	 	 	 	 
	7	0	 	1,014,348.91	0.0425	5,017.79	20120301	0	0	 	 	 	 	 
	8	0	 	1,591,214.45	0.0430	7,917.95	20120301	0	0	 	 	 	 	 
	9	0	 	297,283.32	0.0380	1,863.83	20120301	0	0	 	 	 	 	 
	10	0	 	1,465,055.60	0.0440	7,376.21	20120301	0	0	 	 	 	 	 
	11	0	 	1,050,000.00	0.0475	4,156.25	20120301	0	0	 	 	 	 	 
	12	0	 	484,676.32	0.0400	2,327.40	20120301	0	0	 	 	 	 	 
	13	0	 	994,300.43	0.0450	5,066.86	20120301	0	0	 	 	 	 	 
	14	0	 	871,295.87	0.0445	4,422.66	20120301	0	0	 	 	 	 	 
	15	0	 	979,493.90	0.0420	4,816.82	20120301	0	0	 	 	 	 	 
	16	0	 	1,220,186.12	0.0455	6,243.35	20120301	0	0	 	 	 	 	 
	17	0	 	1,392,312.63	0.0430	6,928.21	20120301	0	0	 	 	 	 	 
	18	0	 	1,805,301.70	0.0420	8,877.87	20120301	0	0	 	 	 	 	 
	19	0	 	934,745.42	0.0420	4,596.77	20120301	0	0	 	 	 	 	 
	20	0	 	497,303.30	0.0440	2,503.81	20120301	0	0	 	 	 	 	 
	21	0	 	994,509.02	0.0430	4,948.72	20120301	0	0	 	 	 	 	 
	22	0	 	1,333,636.62	0.0430	6,636.23	20120301	0	0	 	 	 	 	 
	23	0	 	636,548.26	0.0440	3,204.87	20120301	0	0	 	 	 	 	 
	24	0	 	496,561.99	0.0430	2,474.36	20120301	0	0	 	 	 	 	 
	25	0	 	1,044,182.71	0.0425	5,165.37	20120301	0	0	 	 	 	 	 
	26	0	 	893,756.13	0.0425	4,427.46	20120301	0	0	 	 	 	 	 
	27	0	 	404,557.96	0.0380	1,896.45	20120301	0	0	 	 	 	 	 
	28	0	 	989,878.44	0.0420	4,890.18	20120301	0	0	 	 	 	 	 
	29	0	 	909,746.91	0.0405	4,394.77	20120301	0	0	 	 	 	 	 
	30	0	 	2,486,149.31	0.0425	12,298.50	20120301	0	0	 	 	 	 	 
	31	0	 	1,986,000.59	0.0420	9,780.35	20120301	0	0	 	 	 	 	 
	32	0	 	1,093,996.93	0.0460	4,193.65	20120301	0	0	 	 	 	 	 
	33	0	 	1,300,000.00	0.0440	4,766.67	20120301	0	0	 	 	 	 	 
	34	0	 	149,002.78	0.0555	856.40	20120301	0	0	 	 	 	 	 
	35	0	 	111,181.98	0.0565	646.51	20120301	0	0	 	 	 	 	 
	36	0	 	414,107.01	0.0425	2,051.39	20120301	0	0	 	 	 	 	 
	37	0	 	43,860.19	0.0485	232.90	20120301	0	0	 	 	 	 	 
	38	0	 	449,336.20	0.0515	2,468.04	20120301	0	0	 	 	 	 	 
	39	0	 	920,358.45	0.0450	5,066.86	20120301	0	0	 	 	 	 	 
	40	0	 	1,093,025.19	0.0475	5,738.13	20120301	0	0	 	 	 	 	 
	41	0	 	277,960.19	0.0500	1,503.11	20120301	0	0	 	 	 	 	 
	42	0	 	993,306.25	0.0445	5,037.19	20120301	0	0	 	 	 	 	 
	43	0	 	863,427.03	0.0480	4,564.59	20120301	0	0	 	 	 	 	 
	44	0	 	992,166.57	0.0460	5,126.45	20120301	0	0	 	 	 	 	 
	45	0	 	376,287.85	0.0530	2,104.05	20120301	0	0	 	 	 	 	 
	46	0	 	302,400.74	0.0530	1,690.91	20120301	0	0	 	 	 	 	 
	47	0	 	1,100,000.00	0.0495	4,537.50	20120301	0	0	 	 	 	 	 
	48	0	 	1,984,752.12	0.0475	10,432.95	20120301	0	0	 	 	 	 	 
	49	0	 	957,347.67	0.0490	5,254.20	20120301	0	0	 	 	 	 	 
	50	0	 	1,537,664.08	0.0435	8,213.90	20120301	0	0	 	 	 	 	 
	51	0	 	1,700,000.00	0.0485	6,870.83	20120301	0	0	 	 	 	 	 
	52	0	 	504,932.26	0.0485	3,284.89	20120301	0	0	 	 	 	 	 
	53	0	 	818,653.01	0.0470	4,278.77	20120301	0	0	 	 	 	 	 
	54	0	 	2,048,824.01	0.0460	10,586.11	20120301	0	0	 	 	 	 	 
	55	0	 	710,590.49	0.0480	3,756.61	20120301	0	0	 	 	 	 	 
	56	0	 	1,687,387.70	0.0490	9,022.36	20120301	0	0	 	 	 	 	 
	57	0	 	604,464.50	0.0465	3,145.39	20120301	0	0	 	 	 	 	 
	58	0	 	1,387,065.18	0.0455	7,135.25	20120301	0	0	 	 	 	 	 
	59	0	 	126,554.07	0.0490	676.68	20120301	0	0	 	 	 	 	 
	60	0	 	1,093,796.02	0.0415	5,347.14	20120301	0	0	 	 	 	 	 
	61	0	 	148,737.83	0.0420	733.53	20120301	0	0	 	 	 	 	 
	62	0	 	286,426.30	0.0445	1,454.49	20120301	0	0	 	 	 	 	 
	63	0	 	829,848.16	0.0490	4,431.57	20120301	0	0	 	 	 	 	 
	64	0	 	1,467,564.51	0.0455	7,549.35	20120301	0	0	 	 	 	 	 
	65	0	 	950,337.78	0.0455	4,888.67	20120301	0	0	 	 	 	 	 
	66	0	 	1,374,680.69	0.0455	7,071.54	20120301	0	0	 	 	 	 	 
	67	0	 	783,365.99	0.0455	4,013.58	20120301	0	0	 	 	 	 	 
	68	0	 	1,091,764.45	0.0485	5,804.62	20120301	0	0	 	 	 	 	 
	69	0	 	1,488,564.03	0.0475	7,824.72	20120301	0	0	 	 	 	 	 
	70	0	 	1,100,000.00	0.0485	4,445.83	20120301	0	0	 	 	 	 	 
	71	0	 	822,622.28	0.0470	4,299.51	20120301	0	0	 	 	 	 	 
	72	0	 	1,159,930.65	0.0470	6,078.44	20120301	0	0	 	 	 	 	 
	73	0	 	1,556,486.29	0.0450	7,949.90	20120301	0	0	 	 	 	 	 
	74	0	 	989,420.86	0.0455	5,096.61	20120301	0	0	 	 	 	 	 
	75	0	 	391,738.90	0.0455	2,012.45	20120301	0	0	 	 	 	 	 
	76	0	 	408,678.91	0.0530	2,287.86	20120301	0	0	 	 	 	 	 
	77	0	 	414,028.81	0.0410	2,014.94	20120301	0	0	 	 	 	 	 
	78	0	 	1,750,229.03	0.0455	8,955.42	20120301	0	0	 	 	 	 	 
	79	0	 	738,082.53	0.0460	3,793.57	20120301	0	0	 	 	 	 	 
	80	0	 	556,800.00	0.0480	2,227.20	20120301	0	0	 	 	 	 	 
	81	0	 	949,219.96	0.0495	5,104.18	20120301	0	0	 	 	 	 	 
	82	0	 	2,000,000.00	0.0490	8,166.67	20120301	0	0	 	 	 	 	 
	83	0	 	1,110,930.87	0.0485	5,914.06	20120301	0	0	 	 	 	 	 
	84	0	 	509,599.35	0.0485	2,063.52	20120301	0	0	 	 	 	 	 
	85	0	 	1,537,500.00	0.0485	6,214.06	20120301	0	0	 	 	 	 	 
	86	0	 	1,500,000.00	0.0485	6,062.50	20120301	0	0	 	 	 	 	 
	87	0	 	1,000,000.00	0.0475	3,958.33	20120301	0	0	 	 	 	 	 
	88	0	 	1,198,820.59	0.0455	6,166.90	20120301	0	0	 	 	 	 	 
	89	0	 	992,581.01	0.0490	5,307.27	20120301	0	0	 	 	 	 	 
	90	0	 	900,000.00	0.0475	3,562.50	20120301	0	0	 	 	 	 	 
	91	0	 	396,838.27	0.0455	2,038.65	20120301	0	0	 	 	 	 	 
	92	0	 	960,000.00	0.0470	3,760.00	20120301	0	0	 	 	 	 	 
	93	0	 	535,693.14	0.0450	2,736.11	20120301	0	0	 	 	 	 	 
	94	0	 	825,000.00	0.0485	3,334.38	20120301	0	0	 	 	 	 	 
	95	0	 	1,737,367.67	0.0505	9,447.93	20120301	0	0	 	 	 	 	 
	96	0	 	334,682.76	0.0430	1,667.72	20120301	0	0	 	 	 	 	 
	97	0	 	277,806.61	0.0460	1,435.41	20120301	0	0	 	 	 	 	 
	98	0	 	3,000,000.00	0.0425	10,625.00	20120301	0	0	 	 	 	 	 
	99	0	 	850,000.00	0.0460	3,258.33	20120301	0	0	 	 	 	 	 
	100	0	 	273,556.37	0.0455	1,401.57	20120301	0	0	 	 	 	 	 
	101	0	 	1,095,558.61	0.0440	5,508.38	20120301	0	0	 	 	 	 	 
	102	0	 	1,072,005.89	0.0420	5,256.94	20120301	0	0	 	 	 	 	 
	103	0	 	519,277.11	0.0420	2,542.89	20120301	0	0	 	 	 	 	 
	104	0	 	1,975,000.00	0.0515	8,476.04	20120301	0	0	 	 	 	 	 
	105	0	 	1,475,877.88	0.0420	7,237.46	20120301	0	0	 	 	 	 	 
	106	0	 	685,329.77	0.0440	3,436.48	20120301	0	0	 	 	 	 	 
	107	0	 	1,970,000.00	0.0435	7,141.25	20120301	0	0	 	 	 	 	 
	108	0	 	1,540,000.00	0.0415	7,486.00	20120301	0	0	 	 	 	 	 
	109	0	 	900,000.00	0.0445	3,337.50	20120301	0	0	 	 	 	 	 
	110	0	 	1,398,053.75	0.0420	6,846.25	20120301	0	0	 	 	 	 	 
	111	0	 	537,600.00	0.0420	2,628.96	20120301	0	0	 	 	 	 	 
	112	0	 	674,036.08	0.0405	3,242.05	20120301	0	0	 	 	 	 	 
	113	0	 	978,625.35	0.0415	4,763.82	20120301	0	0	 	 	 	 	 
	114	0	 	875,000.00	0.0400	4,177.39	20120301	0	0	 	 	 	 	 
	115	0	 	1,397,946.64	0.0390	6,603.36	20120301	0	0	 	 	 	 	 
	116	0	 	568,750.00	0.0415	2,764.72	20120301	0	0	 	 	 	 	 
	117	0	 	712,500.00	0.0445	2,642.19	20120301	0	0	 	 	 	 	 
	118	0	 	614,145.04	0.0420	3,007.46	20120301	0	0	 	 	 	 	 
	119	0	 	337,263.84	0.0445	1,712.65	20120301	0	0	 	 	 	 	 
	120	0	 	1,142,159.99	0.0420	5,593.14	20120301	0	0	 	 	 	 	 
	121	0	 	753,968.76	0.0440	3,785.76	20120301	0	0	 	 	 	 	 


 


	KEY	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)	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
	1	 	 	 	 	 	 	 	 	 	 	 
	2	 	 	 	 	 	 	 	 	 	 	 
	3	 	 	 	 	 	 	 	 	 	 	 
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	59	 	 	 	 	 	 	 	 	 	 	 
	60	 	 	 	 	 	 	 	 	 	 	 
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	65	 	 	 	 	 	 	 	 	 	 	 
	66	 	 	 	 	 	 	 	 	 	 	 
	67	 	 	 	 	 	 	 	 	 	 	 
	68	 	 	 	 	 	 	 	 	 	 	 
	69	 	 	 	 	 	 	 	 	 	 	 
	70	 	 	 	 	 	 	 	 	 	 	 
	71	 	 	 	 	 	 	 	 	 	 	 
	72	 	 	 	 	 	 	 	 	 	 	 
	73	 	 	 	 	 	 	 	 	 	 	 
	74	 	 	 	 	 	 	 	 	 	 	 
	75	 	 	 	 	 	 	 	 	 	 	 
	76	 	 	 	 	 	 	 	 	 	 	 
	77	 	 	 	 	 	 	 	 	 	 	 
	78	 	 	 	 	 	 	 	 	 	 	 
	79	 	 	 	 	 	 	 	 	 	 	 
	80	 	 	 	 	 	 	 	 	 	 	 
	81	 	 	 	 	 	 	 	 	 	 	 
	82	 	 	 	 	 	 	 	 	 	 	 
	83	 	 	 	 	 	 	 	 	 	 	 
	84	 	 	 	 	 	 	 	 	 	 	 
	85	 	 	 	 	 	 	 	 	 	 	 
	86	 	 	 	 	 	 	 	 	 	 	 
	87	 	 	 	 	 	 	 	 	 	 	 
	88	 	 	 	 	 	 	 	 	 	 	 
	89	 	 	 	 	 	 	 	 	 	 	 
	90	 	 	 	 	 	 	 	 	 	 	 
	91	 	 	 	 	 	 	 	 	 	 	 
	92	 	 	 	 	 	 	 	 	 	 	 
	93	 	 	 	 	 	 	 	 	 	 	 
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	95	 	 	 	 	 	 	 	 	 	 	 
	96	 	 	 	 	 	 	 	 	 	 	 
	97	 	 	 	 	 	 	 	 	 	 	 
	98	 	 	 	 	 	 	 	 	 	 	 
	99	 	 	 	 	 	 	 	 	 	 	 
	100	 	 	 	 	 	 	 	 	 	 	 
	101	 	 	 	 	 	 	 	 	 	 	 
	102	 	 	 	 	 	 	 	 	 	 	 
	103	 	 	 	 	 	 	 	 	 	 	 
	104	 	 	 	 	 	 	 	 	 	 	 
	105	 	 	 	 	 	 	 	 	 	 	 
	106	 	 	 	 	 	 	 	 	 	 	 
	107	 	 	 	 	 	 	 	 	 	 	 
	108	 	 	 	 	 	 	 	 	 	 	 
	109	 	 	 	 	 	 	 	 	 	 	 
	110	 	 	 	 	 	 	 	 	 	 	 
	111	 	 	 	 	 	 	 	 	 	 	 
	112	 	 	 	 	 	 	 	 	 	 	 
	113	 	 	 	 	 	 	 	 	 	 	 
	114	 	 	 	 	 	 	 	 	 	 	 
	115	 	 	 	 	 	 	 	 	 	 	 
	116	 	 	 	 	 	 	 	 	 	 	 
	117	 	 	 	 	 	 	 	 	 	 	 
	118	 	 	 	 	 	 	 	 	 	 	 
	119	 	 	 	 	 	 	 	 	 	 	 
	120	 	 	 	 	 	 	 	 	 	 	 
	121	 	 	 	 	 	 	 	 	 	 	 


 


	KEY	Subsequent
 Payment Reset
 Period	Initial Periodic
 Payment Cap	Subsequent
 Periodic Payment
 Cap	Initial Minimum
 Payment Reset
 Period	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
	1	 	 	 	 	 	 	 	 	 	99	99	60	 
	2	 	 	 	 	 	 	 	 	 	99	99	60	 
	3	 	 	 	 	 	 	 	 	 	99	99	60	 
	4	 	 	 	 	 	 	 	 	 	99	99	60	 
	5	 	 	 	 	 	 	 	 	 	99	99	60	 
	6	 	 	 	 	 	 	 	 	 	99	99	60	 
	7	 	 	 	 	 	 	 	 	 	99	99	60	 
	8	 	 	 	 	 	 	 	 	 	99	99	60	 
	9	 	 	 	 	 	 	 	 	 	 	 	0	 
	10	 	 	 	 	 	 	 	 	 	99	99	60	 
	11	 	 	 	 	 	 	 	 	 	99	99	60	 
	12	 	 	 	 	 	 	 	 	 	 	 	0	 
	13	 	 	 	 	 	 	 	 	 	99	99	60	 
	14	 	 	 	 	 	 	 	 	 	99	99	60	 
	15	 	 	 	 	 	 	 	 	 	99	99	60	 
	16	 	 	 	 	 	 	 	 	 	99	99	60	 
	17	 	 	 	 	 	 	 	 	 	99	99	60	 
	18	 	 	 	 	 	 	 	 	 	99	99	60	 
	19	 	 	 	 	 	 	 	 	 	99	99	60	 
	20	 	 	 	 	 	 	 	 	 	 	 	0	 
	21	 	 	 	 	 	 	 	 	 	99	99	60	 
	22	 	 	 	 	 	 	 	 	 	99	99	60	 
	23	 	 	 	 	 	 	 	 	 	99	99	60	 
	24	 	 	 	 	 	 	 	 	 	99	99	60	 
	25	 	 	 	 	 	 	 	 	 	99	99	60	 
	26	 	 	 	 	 	 	 	 	 	99	99	60	 
	27	 	 	 	 	 	 	 	 	 	 	 	0	 
	28	 	 	 	 	 	 	 	 	 	99	99	60	 
	29	 	 	 	 	 	 	 	 	 	99	99	60	 
	30	 	 	 	 	 	 	 	 	 	99	99	60	 
	31	 	 	 	 	 	 	 	 	 	99	99	60	 
	32	 	 	 	 	 	 	 	 	 	99	99	60	 
	33	 	 	 	 	 	 	 	 	 	99	99	60	 
	34	 	 	 	 	 	 	 	 	 	 	 	0	 
	35	 	 	 	 	 	 	 	 	 	 	 	0	 
	36	 	 	 	 	 	 	 	 	 	 	 	0	 
	37	 	 	 	 	 	 	 	 	 	 	 	0	 
	38	 	 	 	 	 	 	 	 	 	 	 	0	 
	39	 	 	 	 	 	 	 	 	 	99	99	60	 
	40	 	 	 	 	 	 	 	 	 	99	99	60	 
	41	 	 	 	 	 	 	 	 	 	 	 	0	 
	42	 	 	 	 	 	 	 	 	 	99	99	60	 
	43	 	 	 	 	 	 	 	 	 	99	99	60	 
	44	 	 	 	 	 	 	 	 	 	99	99	60	 
	45	 	 	 	 	 	 	 	 	 	 	 	0	 
	46	 	 	 	 	 	 	 	 	 	 	 	0	 
	47	 	 	 	 	 	 	 	 	 	99	99	60	 
	48	 	 	 	 	 	 	 	 	 	99	99	60	 
	49	 	 	 	 	 	 	 	 	 	99	99	60	 
	50	 	 	 	 	 	 	 	 	 	99	99	60	 
	51	 	 	 	 	 	 	 	 	 	99	99	60	 
	52	 	 	 	 	 	 	 	 	 	 	 	0	 
	53	 	 	 	 	 	 	 	 	 	99	99	60	 
	54	 	 	 	 	 	 	 	 	 	99	99	60	 
	55	 	 	 	 	 	 	 	 	 	99	99	60	 
	56	 	 	 	 	 	 	 	 	 	99	99	60	 
	57	 	 	 	 	 	 	 	 	 	99	99	60	 
	58	 	 	 	 	 	 	 	 	 	99	99	60	 
	59	 	 	 	 	 	 	 	 	 	 	 	0	 
	60	 	 	 	 	 	 	 	 	 	99	99	60	 
	61	 	 	 	 	 	 	 	 	 	 	 	0	 
	62	 	 	 	 	 	 	 	 	 	 	 	0	 
	63	 	 	 	 	 	 	 	 	 	99	99	60	 
	64	 	 	 	 	 	 	 	 	 	99	99	60	 
	65	 	 	 	 	 	 	 	 	 	99	99	60	 
	66	 	 	 	 	 	 	 	 	 	99	99	60	 
	67	 	 	 	 	 	 	 	 	 	99	99	60	 
	68	 	 	 	 	 	 	 	 	 	99	99	60	 
	69	 	 	 	 	 	 	 	 	 	99	99	48	 
	70	 	 	 	 	 	 	 	 	 	99	99	60	 
	71	 	 	 	 	 	 	 	 	 	99	99	60	 
	72	 	 	 	 	 	 	 	 	 	99	99	60	 
	73	 	 	 	 	 	 	 	 	 	99	99	60	 
	74	 	 	 	 	 	 	 	 	 	99	99	60	 
	75	 	 	 	 	 	 	 	 	 	 	 	0	 
	76	 	 	 	 	 	 	 	 	 	 	 	0	 
	77	 	 	 	 	 	 	 	 	 	 	 	0	 
	78	 	 	 	 	 	 	 	 	 	99	99	60	 
	79	 	 	 	 	 	 	 	 	 	99	99	60	 
	80	 	 	 	 	 	 	 	 	 	99	99	60	 
	81	 	 	 	 	 	 	 	 	 	99	99	60	 
	82	 	 	 	 	 	 	 	 	 	99	99	60	 
	83	 	 	 	 	 	 	 	 	 	99	99	60	 
	84	 	 	 	 	 	 	 	 	 	99	99	60	 
	85	 	 	 	 	 	 	 	 	 	99	99	60	 
	86	 	 	 	 	 	 	 	 	 	99	99	60	 
	87	 	 	 	 	 	 	 	 	 	99	99	60	 
	88	 	 	 	 	 	 	 	 	 	99	99	60	 
	89	 	 	 	 	 	 	 	 	 	99	99	60	 
	90	 	 	 	 	 	 	 	 	 	99	99	60	 
	91	 	 	 	 	 	 	 	 	 	 	 	0	 
	92	 	 	 	 	 	 	 	 	 	99	99	60	 
	93	 	 	 	 	 	 	 	 	 	99	99	60	 
	94	 	 	 	 	 	 	 	 	 	99	99	60	 
	95	 	 	 	 	 	 	 	 	 	99	99	60	 
	96	 	 	 	 	 	 	 	 	 	 	 	0	 
	97	 	 	 	 	 	 	 	 	 	 	 	0	 
	98	 	 	 	 	 	 	 	 	 	99	99	36	 
	99	 	 	 	 	 	 	 	 	 	99	99	60	 
	100	 	 	 	 	 	 	 	 	 	 	 	0	 
	101	 	 	 	 	 	 	 	 	 	99	99	60	 
	102	 	 	 	 	 	 	 	 	 	99	99	60	 
	103	 	 	 	 	 	 	 	 	 	99	99	60	 
	104	 	 	 	 	 	 	 	 	 	 	 	0	 
	105	 	 	 	 	 	 	 	 	 	99	99	60	 
	106	 	 	 	 	 	 	 	 	 	99	99	60	 
	107	 	 	 	 	 	 	 	 	 	99	99	60	 
	108	 	 	 	 	 	 	 	 	 	99	99	60	 
	109	 	 	 	 	 	 	 	 	 	99	99	60	 
	110	 	 	 	 	 	 	 	 	 	99	99	60	 
	111	 	 	 	 	 	 	 	 	 	99	99	60	 
	112	 	 	 	 	 	 	 	 	 	99	99	60	 
	113	 	 	 	 	 	 	 	 	 	99	99	60	 
	114	 	 	 	 	 	 	 	 	 	 	 	0	 
	115	 	 	 	 	 	 	 	 	 	99	99	60	 
	116	 	 	 	 	 	 	 	 	 	 	 	0	 
	117	 	 	 	 	 	 	 	 	 	99	99	60	 
	118	 	 	 	 	 	 	 	 	 	99	99	60	 
	119	 	 	 	 	 	 	 	 	 	 	 	0	 
	120	 	 	 	 	 	 	 	 	 	99	99	60	 
	121	 	 	 	 	 	 	 	 	 	99	99	60	 


 


	KEY	Primary Borrower ID	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	Primary Wage
 Earner Original
 FICO: Experian	Primary Wage
 Earner Original
 FICO: TransUnion
	1	64	1	 	0	 	0.00	 	0.00	1	20120227	 	 	 
	2	55	1	 	0	 	5.60	 	0.00	1	20120223	 	 	 
	3	136	2	 	0	 	11.00	7.00	0.00	1	20120223	 	 	 
	4	276	2	 	1	 	7.00	1.00	0.00	1	20120223	 	 	 
	5	298	1	 	0	 	5.00	 	0.00	1	20120223	 	 	 
	6	322	1	 	0	 	9.00	 	0.00	1	20120223	 	 	 
	7	207	1	 	0	 	15.00	 	0.00	1	20120223	 	 	 
	8	24	2	 	0	 	4.60	 	0.00	1	20120223	 	 	 
	9	235	2	 	0	 	36.00	13.00	24.00	1	20120223	 	 	 
	10	80	2	 	0	 	3.00	6.00	3.00	1	20120223	 	 	 
	11	261	2	 	0	 	16.00	 	0.00	1	20120223	 	 	 
	12	21	1	 	1	 	11.00	 	10.00	1	20120223	 	 	 
	13	250	2	 	0	 	8.00	 	1.00	1	20120223	 	 	 
	14	227	1	 	0	 	13.00	 	13.00	1	20120223	 	 	 
	15	71	1	 	1	 	18.00	13.00	2.00	1	20120223	 	 	 
	16	254	5	 	1	 	33.00	 	26.00	1	 	 	 	 
	17	259	1	 	0	 	6.00	 	5.00	1	20120223	 	 	 
	18	53	1	 	0	 	1.90	0.00	0.00	1	20120223	 	 	 
	19	107	1	 	0	 	1.60	4.00	0.00	1	20120223	 	 	 
	20	13	1	 	0	 	4.00	2.00	0.50	1	20120223	 	 	 
	21	86	1	 	1	 	9.00	 	9.00	1	20120223	 	 	 
	22	299	1	 	1	 	5.00	15.00	12.00	1	20120223	 	 	 
	23	312	1	 	0	 	12.00	 	3.00	1	20120223	 	 	 
	24	305	2	 	1	 	2.00	 	0.00	1	20120223	 	 	 
	25	4	1	 	0	 	12.00	 	0.60	1	20120223	 	 	 
	26	70	2	 	0	 	2.00	 	0.20	1	20120223	 	 	 
	27	294	1	 	0	 	12.00	12.00	2.50	1	20120223	 	 	 
	28	105	1	 	0	 	40.00	 	9.00	1	20120223	 	 	 
	29	269	2	 	0	 	13.00	 	8.00	1	20120223	 	 	 
	30	35	1	 	1	 	9.00	2.00	18.00	1	20120223	 	 	 
	31	41	2	 	0	 	3.00	5.00	0.50	1	20120223	 	 	 
	32	321	1	 	0	 	2.50	 	0.00	1	20120223	 	 	 
	33	60	1	 	0	 	0.60	0.00	7.00	1	20120223	 	 	 
	34	2	3	 	1	 	5.00	25.00	20.00	1	20120223	 	 	 
	35	2	3	 	1	 	5.00	25.00	20.00	1	20120223	 	 	 
	36	285	1	 	0	 	1.00	0.00	0.00	1	20120223	 	 	 
	37	1	5	 	1	 	18.00	10.00	5.00	1	20120223	 	 	 
	38	1	6	 	1	 	18.00	10.00	5.00	1	20120223	 	 	 
	39	249	2	 	0	 	8.00	9.00	0.00	1	20120223	 	 	 
	40	63	2	 	1	 	31.00	10.00	17.00	1	20120223	 	 	 
	41	245	0	 	0	 	3.00	 	0.00	1	20120223	 	 	 
	42	320	1	 	0	 	13.00	7.00	0.00	1	20120223	 	 	 
	43	225	1	 	1	 	24.00	 	10.00	1	20120223	 	 	 
	44	48	2	 	0	 	2.60	 	4.00	1	20120223	 	 	 
	45	3	8	 	1	 	50.00	 	0.00	1	20120223	 	 	 
	46	3	7	 	1	 	50.00	 	0.00	1	20120223	 	 	 
	47	324	1	 	0	 	2.80	 	8.00	1	20120223	 	 	 
	48	297	3	 	1	 	2.00	2.00	0.00	1	20120223	 	 	 
	49	291	3	 	0	 	16.00	 	2.00	1	20120223	 	 	 
	50	287	8	 	1	 	35.00	 	35.00	1	20120223	 	 	 
	51	147	1	 	0	 	2.00	2.00	0.00	1	20120223	 	 	 
	52	17	1	 	0	 	7.00	 	0.00	1	20120223	 	 	 
	53	247	1	 	0	 	5.00	3.00	4.00	1	20120223	 	 	 
	54	278	1	 	0	 	5.00	3.00	3.00	1	20120223	 	 	 
	55	316	2	 	0	 	3.60	12.00	0.00	1	20120223	 	 	 
	56	201	1	 	0	 	5.00	 	8.00	1	20120223	 	 	 
	57	134	1	 	0	 	3.00	 	0.00	1	20120223	 	 	 
	58	242	3	 	1	 	22.00	 	0.00	1	20120223	 	 	 
	59	1	7	 	1	 	18.00	10.00	5.00	1	20120223	 	 	 
	60	262	1	 	0	 	1.00	 	2.00	1	20120223	 	 	 
	61	306	2	 	0	 	2.00	 	2.00	1	20120223	 	 	 
	62	169	3	 	0	 	26.00	2.00	0.00	1	20120223	 	 	 
	63	46	2	 	0	 	27.00	9.00	3.50	1	20120223	 	 	 
	64	18	1	 	0	 	5.00	 	0.00	1	20120223	 	 	 
	65	52	1	 	0	 	3.00	8.00	0.00	1	20120223	 	 	 
	66	181	2	 	0	 	6.00	 	0.00	1	20120223	 	 	 
	67	68	1	 	0	 	11.00	 	0.00	1	20120223	 	 	 
	68	311	3	 	1	 	28.00	 	9.00	1	20120223	 	 	 
	69	33	1	 	0	 	9.00	 	0.00	1	20120223	 	 	 
	70	284	2	 	1	 	15.00	 	0.00	1	20120223	 	 	 
	71	19	1	 	0	 	5.00	 	0.00	1	20120223	 	 	 
	72	110	1	 	0	 	9.00	1.00	0.00	1	20120223	 	 	 
	73	128	2	 	0	 	6.00	8.00	0.00	1	20120223	 	 	 
	74	319	1	 	0	 	6.00	1.00	1.00	1	20120223	 	 	 
	75	296	6	 	0	 	4.00	4.00	3.00	1	20120223	 	 	 
	76	237	8	 	1	 	15.00	 	10.00	1	20120223	 	 	 
	77	300	1	 	0	 	7.00	3.00	8.00	1	20120223	 	 	 
	78	140	1	 	0	 	5.00	1.60	4.00	1	 	 	 	 
	79	315	2	 	0	 	23.00	 	0.00	1	 	 	 	 
	80	75	1	 	0	 	2.00	2.00	0.00	1	20120223	 	 	 
	81	47	1	 	0	 	1.00	 	0.00	1	20120223	 	 	 
	82	282	1	 	1	 	2.00	1.00	0.00	1	20120223	 	 	 
	83	8	3	 	0	 	11.00	 	6.00	1	20120223	 	 	 
	84	318	3	 	0	 	4.00	4.00	0.00	1	20120223	 	 	 
	85	265	3	 	1	 	22.00	10.00	0.00	1	20120223	 	 	 
	86	255	3	 	0	 	20.00	20.00	4.00	1	20120223	 	 	 
	87	40	1	 	0	 	8.00	3.00	0.00	1	20120223	 	 	 
	88	273	1	 	0	 	6.00	11.00	1.00	1	20120223	 	 	 
	89	213	1	 	1	 	11.00	0.00	1.00	1	20120223	 	 	 
	90	240	3	 	0	 	11.00	0.00	0.00	1	20120223	 	 	 
	91	205	1	 	0	 	0.00	 	28.00	1	20120223	 	 	 
	92	44	1	 	0	 	9.00	7.00	0.00	1	20120223	 	 	 
	93	50	2	 	0	 	0.00	0.00	0.00	1	20120223	 	 	 
	94	288	2	 	0	 	12.00	 	17.00	1	20120223	 	 	 
	95	96	1	 	1	 	8.00	8.00	0.50	1	20120223	 	 	 
	96	43	8	 	0	 	1.00	 	0.00	1	20120223	 	 	 
	97	221	2	 	0	 	1.00	3.00	0.00	1	20120223	 	 	 
	98	34	1	 	1	 	8.00	 	0.00	1	20120223	 	 	 
	99	219	2	 	0	 	14.00	 	0.00	1	20120223	 	 	 
	100	164	3	 	0	 	23.00	 	0.00	1	20120223	 	 	 
	101	317	1	 	0	 	4.20	2.00	0.00	1	 	 	 	 
	102	67	1	 	0	 	5.00	 	0.00	1	 	 	 	 
	103	72	1	 	0	 	3.00	0.00	15.00	1	 	 	 	 
	104	234	2	 	1	 	7.00	10.00	0.00	1	 	 	 	 
	105	280	1	 	0	 	1.00	4.00	1.00	1	 	 	 	 
	106	54	2	 	0	 	4.00	 	0.00	1	 	 	 	 
	107	166	2	 	1	 	35.00	28.00	5.00	1	 	 	 	 
	108	114	2	 	1	 	0.00	30.00	2.00	1	 	 	 	 
	109	275	3	 	0	 	3.00	 	0.00	1	 	 	 	 
	110	233	1	 	0	 	7.00	7.00	7.00	1	 	 	 	 
	111	90	1	 	0	 	6.00	6.00	0.00	1	 	 	 	 
	112	326	1	 	0	 	0.00	2.00	1.00	1	 	 	 	 
	113	39	2	 	0	 	7.00	 	0.00	1	 	 	 	 
	114	115	1	 	0	 	6.00	0.00	1.00	1	 	 	 	 
	115	274	2	 	0	 	3.00	6.00	0.00	1	 	 	 	 
	116	304	2	 	1	 	25.00	24.00	41.00	1	 	 	 	 
	117	271	4	 	1	 	20.00	 	0.00	1	 	 	 	 
	118	307	2	 	0	 	4.00	0.00	0.00	1	 	 	 	 
	119	258	1	 	0	 	6.00	0.00	2.00	1	20120223	 	 	 
	120	129	2	 	0	 	3.00	7.00	0.00	1	 	 	 	 
	121	303	5	 	1	 	31.00	2.00	24.00	1	 	 	 	 


 


	KEY	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	VantageScore: Co-
 Borrower	Most Recent
 VantageScore
 Method	VantageScore Date	Credit Report:
 Longest Trade Line
	1	 	 	 	781	782	 	 	 	 	 	 	 
	2	 	 	 	801	790	 	 	 	 	 	 	 
	3	 	 	 	737	738	 	 	 	 	 	 	 
	4	 	 	 	737	743	 	 	 	 	 	 	 
	5	 	 	 	778	751	 	 	 	 	 	 	 
	6	 	 	 	755	728	 	 	 	 	 	 	 
	7	 	 	 	728	743	 	 	 	 	 	 	 
	8	 	 	 	758	812	 	 	 	 	 	 	 
	9	 	 	 	805	793	 	 	 	 	 	 	 
	10	 	 	 	757	755	 	 	 	 	 	 	 
	11	 	 	 	765	703	 	 	 	 	 	 	 
	12	 	 	 	792	798	 	 	 	 	 	 	 
	13	 	 	 	796	779	 	 	 	 	 	 	 
	14	 	 	 	751	794	 	 	 	 	 	 	 
	15	 	 	 	774	768	 	 	 	 	 	 	 
	16	 	 	 	776	 	 	 	 	 	 	 	 
	17	 	 	 	795	799	 	 	 	 	 	 	 
	18	 	 	 	785	775	 	 	 	 	 	 	 
	19	 	 	 	714	712	 	 	 	 	 	 	 
	20	 	 	 	771	772	 	 	 	 	 	 	 
	21	 	 	 	761	740	 	 	 	 	 	 	 
	22	 	 	 	791	793	 	 	 	 	 	 	 
	23	 	 	 	787	769	 	 	 	 	 	 	 
	24	 	 	 	808	808	 	 	 	 	 	 	 
	25	 	 	 	731	777	 	 	 	 	 	 	 
	26	 	 	 	761	761	 	 	 	 	 	 	 
	27	 	 	 	768	739	 	 	 	 	 	 	 
	28	 	 	 	764	752	 	 	 	 	 	 	 
	29	 	 	 	733	753	 	 	 	 	 	 	 
	30	 	 	 	787	792	 	 	 	 	 	 	 
	31	 	 	 	775	742	 	 	 	 	 	 	 
	32	 	 	 	795	786	 	 	 	 	 	 	 
	33	 	 	 	796	789	 	 	 	 	 	 	 
	34	 	 	 	796	800	 	 	 	 	 	 	 
	35	 	 	 	796	800	 	 	 	 	 	 	 
	36	 	 	 	803	798	 	 	 	 	 	 	 
	37	 	 	 	798	784	 	 	 	 	 	 	 
	38	 	 	 	798	784	 	 	 	 	 	 	 
	39	 	 	 	779	765	 	 	 	 	 	 	 
	40	 	 	 	766	792	 	 	 	 	 	 	 
	41	 	 	 	803	795	 	 	 	 	 	 	 
	42	 	 	 	772	776	 	 	 	 	 	 	 
	43	 	 	 	708	764	 	 	 	 	 	 	 
	44	 	 	 	769	771	 	 	 	 	 	 	 
	45	 	 	 	726	751	 	 	 	 	 	 	 
	46	 	 	 	726	751	 	 	 	 	 	 	 
	47	 	 	 	775	788	 	 	 	 	 	 	 
	48	 	 	 	761	762	 	 	 	 	 	 	 
	49	 	 	 	736	733	 	 	 	 	 	 	 
	50	 	 	 	730	736	 	 	 	 	 	 	 
	51	 	 	 	787	795	 	 	 	 	 	 	 
	52	 	 	 	736	747	 	 	 	 	 	 	 
	53	 	 	 	798	695	 	 	 	 	 	 	 
	54	 	 	 	765	781	 	 	 	 	 	 	 
	55	 	 	 	791	744	 	 	 	 	 	 	 
	56	 	 	 	770	756	 	 	 	 	 	 	 
	57	 	 	 	791	790	 	 	 	 	 	 	 
	58	 	 	 	767	801	 	 	 	 	 	 	 
	59	 	 	 	800	784	 	 	 	 	 	 	 
	60	 	 	 	726	706	 	 	 	 	 	 	 
	61	 	 	 	757	764	 	 	 	 	 	 	 
	62	 	 	 	818	786	 	 	 	 	 	 	 
	63	 	 	 	777	764	 	 	 	 	 	 	 
	64	 	 	 	803	781	 	 	 	 	 	 	 
	65	 	 	 	783	752	 	 	 	 	 	 	 
	66	 	 	 	695	693	 	 	 	 	 	 	 
	67	 	 	 	686	673	 	 	 	 	 	 	 
	68	 	 	 	789	792	 	 	 	 	 	 	 
	69	 	 	 	782	696	 	 	 	 	 	 	 
	70	 	 	 	796	773	 	 	 	 	 	 	 
	71	 	 	 	801	784	 	 	 	 	 	 	 
	72	 	 	 	755	728	 	 	 	 	 	 	 
	73	 	 	 	783	785	 	 	 	 	 	 	 
	74	 	 	 	761	749	 	 	 	 	 	 	 
	75	 	 	 	698	796	 	 	 	 	 	 	 
	76	 	 	 	733	788	 	 	 	 	 	 	 
	77	 	 	 	751	744	 	 	 	 	 	 	 
	78	 	 	 	807	 	 	 	 	 	 	 	 
	79	 	 	 	792	 	 	 	 	 	 	 	 
	80	 	 	 	815	801	 	 	 	 	 	 	 
	81	 	 	 	770	769	 	 	 	 	 	 	 
	82	 	 	 	714	714	 	 	 	 	 	 	 
	83	 	 	 	762	736	 	 	 	 	 	 	 
	84	 	 	 	811	751	 	 	 	 	 	 	 
	85	 	 	 	711	733	 	 	 	 	 	 	 
	86	 	 	 	808	812	 	 	 	 	 	 	 
	87	 	 	 	757	779	 	 	 	 	 	 	 
	88	 	 	 	791	789	 	 	 	 	 	 	 
	89	 	 	 	804	799	 	 	 	 	 	 	 
	90	 	 	 	780	786	 	 	 	 	 	 	 
	91	 	 	 	766	785	 	 	 	 	 	 	 
	92	 	 	 	791	783	 	 	 	 	 	 	 
	93	 	 	 	786	782	 	 	 	 	 	 	 
	94	 	 	 	777	742	 	 	 	 	 	 	 
	95	 	 	 	686	673	 	 	 	 	 	 	 
	96	 	 	 	770	809	 	 	 	 	 	 	 
	97	 	 	 	793	795	 	 	 	 	 	 	 
	98	 	 	 	779	804	 	 	 	 	 	 	 
	99	 	 	 	790	798	 	 	 	 	 	 	 
	100	 	 	 	817	815	 	 	 	 	 	 	 
	101	 	 	 	762	 	 	 	 	 	 	 	 
	102	 	 	 	770	 	 	 	 	 	 	 	 
	103	 	 	 	737	 	 	 	 	 	 	 	 
	104	 	 	 	781	 	 	 	 	 	 	 	 
	105	 	 	 	773	 	 	 	 	 	 	 	 
	106	 	 	 	767	 	 	 	 	 	 	 	 
	107	 	 	 	770	 	 	 	 	 	 	 	 
	108	 	 	 	684	 	 	 	 	 	 	 	 
	109	 	 	 	759	 	 	 	 	 	 	 	 
	110	 	 	 	779	 	 	 	 	 	 	 	 
	111	 	 	 	765	 	 	 	 	 	 	 	 
	112	 	 	 	766	 	 	 	 	 	 	 	 
	113	 	 	 	771	 	 	 	 	 	 	 	 
	114	 	 	 	754	 	 	 	 	 	 	 	 
	115	 	 	 	801	 	 	 	 	 	 	 	 
	116	 	 	 	794	 	 	 	 	 	 	 	 
	117	 	 	 	740	 	 	 	 	 	 	 	 
	118	 	 	 	683	 	 	 	 	 	 	 	 
	119	 	 	 	791	786	 	 	 	 	 	 	 
	120	 	 	 	786	 	 	 	 	 	 	 	 
	121	 	 	 	812	 	 	 	 	 	 	 	 


 


	KEY	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	Primary Borrower
 Wage Income	Co-Borrower Wage
 Income	Primary Borrower
 Other Income	Co-Borrower Other
 Income	All Borrower Wage
 Income	All Borrower Total
 Income
	1	 	 	 	000000000000	 	 	27,083.33	0.00	0.00	0.00	27,083.33	27,083.33
	2	 	 	 	000000000000	 	 	28,560.00	 	0.00	 	28,560.00	28,560.00
	3	 	 	 	000000000000	 	 	12,375.00	9,750.00	2,916.00	3,747.00	22,125.00	28,788.00
	4	 	 	 	000000000000	 	 	6,666.67	8,568.00	1,362.00	4,053.00	15,234.67	20,649.92
	5	 	 	 	000000000000	 	 	27,944.88	0.00	3,416.58	0.00	27,944.88	31,361.46
	6	 	 	 	000000000000	 	 	20,791.67	0.00	0.00	0.00	20,791.67	20,791.67
	7	 	 	 	000000000000	 	 	21,666.68	0.00	8,544.08	0.00	21,666.68	30,210.76
	8	 	 	 	000000000000	 	 	25,000.00	0.00	36,450.92	0.00	25,000.00	61,450.92
	9	 	 	 	000000000000	 	 	21,041.67	18,240.00	0.00	4,104.00	39,281.67	43,385.16
	10	 	 	 	000000000000	 	 	32,500.00	20,898.00	9,750.00	6,608.00	53,398.00	69,755.58
	11	 	 	 	000000000000	 	 	16,921.00	0.00	15,583.00	0.00	16,921.00	32,504.33
	12	 	 	 	000000000000	 	 	0.00	 	22,365.75	 	0.00	22,365.75
	13	 	 	 	000000000000	 	 	0.00	0.00	25,089.25	0.00	0.00	25,089.25
	14	 	 	 	000000000000	 	 	59,116.75	0.00	0.00	0.00	59,116.75	59,116.75
	15	 	 	 	000000000000	 	 	0.00	25,375.00	39,059.84	0.00	25,375.00	64,434.84
	16	 	 	 	000000000000	 	 	25,546.00	0.00	738.00	0.00	25,546.00	26,284.00
	17	 	 	 	000000000000	 	 	29,166.67	0.00	0.00	0.00	29,166.67	29,166.67
	18	 	 	 	000000000000	 	 	13,333.34	9,167.00	3,199.69	0.00	22,500.34	25,699.69
	19	 	 	 	000000000000	 	 	16,667.00	0.00	8,333.00	0.00	16,667.00	25,000.00
	20	 	 	 	000000000000	 	 	16,505.00	5,028.00	0.00	0.00	21,533.00	21,533.00
	21	 	 	 	000000000000	 	 	0.00	 	48,709.00	 	0.00	48,709.00
	22	 	 	 	000000000000	 	 	0.00	41,666.00	0.00	0.00	41,666.00	41,666.00
	23	 	 	 	000000000000	 	 	19,375.00	0.00	9,000.00	0.00	19,375.00	28,375.00
	24	 	 	 	000000000000	 	 	0.00	 	13,962.00	 	0.00	13,962.00
	25	 	 	 	000000000000	 	 	37,338.00	0.00	0.00	0.00	37,338.00	37,338.00
	26	 	 	 	000000000000	 	 	23,997.00	0.00	3,606.00	0.00	23,997.00	27,603.00
	27	 	 	 	000000000000	 	 	52,635.80	0.00	2,427.83	0.00	52,635.80	55,063.63
	28	 	 	 	000000000000	 	 	0.00	0.00	38,668.21	0.00	0.00	38,668.21
	29	 	 	 	000000000000	 	 	27,464.42	0.00	0.00	0.00	27,464.42	27,464.42
	30	 	 	 	000000000000	 	 	0.00	0.00	158,913.62	158,914.00	0.00	317,827.24
	31	 	 	 	000000000000	 	 	50,000.00	14,167.00	0.00	0.00	64,167.00	64,167.00
	32	 	 	 	000000000000	 	 	20,000.00	0.00	6,520.00	0.00	20,000.00	26,520.00
	33	 	 	 	000000000000	 	 	12,500.00	8,333.00	5,417.50	0.00	20,833.00	26,250.84
	34	 	 	 	000000000000	 	 	2,550.00	6,886.00	2,067.83	2,004.00	9,436.00	13,508.12
	35	 	 	 	000000000000	 	 	2,550.00	6,886.00	2,064.96	2,001.00	9,436.00	13,501.92
	36	 	 	 	000000000000	 	 	3,333.34	5,667.00	0.00	0.00	9,000.34	9,000.34
	37	 	 	 	000000000000	 	 	6,205.31	0.00	23,391.63	3,322.00	6,205.31	32,918.95
	38	 	 	 	000000000000	 	 	6,205.31	0.00	23,393.37	1,690.00	6,205.31	31,288.96
	39	 	 	 	000000000000	 	 	21,600.00	11,617.00	500.00	0.00	33,217.00	33,716.67
	40	 	 	 	000000000000	 	 	10,833.00	12,218.00	707.00	0.00	23,051.00	23,758.00
	41	 	 	 	000000000000	 	 	0.00	0.00	7,330.32	0.00	0.00	7,330.32
	42	 	 	 	000000000000	 	 	12,500.00	17,234.00	16,833.00	6,025.00	29,734.00	52,591.42
	43	 	 	 	000000000000	 	 	20,638.00	0.00	0.00	0.00	20,638.00	20,638.00
	44	 	 	 	000000000000	 	 	25,516.00	0.00	19,407.67	0.00	25,516.00	44,923.34
	45	 	 	 	000000000000	 	 	0.00	0.00	33,211.29	0.00	0.00	33,211.29
	46	 	 	 	000000000000	 	 	0.00	0.00	33,211.29	0.00	0.00	33,211.29
	47	 	 	 	000000000000	 	 	13,917.00	0.00	2,840.00	0.00	13,917.00	16,756.67
	48	 	 	 	000000000000	 	 	20,000.00	9,583.00	19,683.33	0.00	29,583.00	49,266.67
	49	 	 	 	000000000000	 	 	26,216.00	0.00	5,857.50	0.00	26,216.00	32,073.50
	50	 	 	 	000000000000	 	 	1,923.08	 	23,229.75	 	1,923.08	25,152.83
	51	 	 	 	000000000000	 	 	22,981.00	0.00	10,000.00	0.00	22,981.00	32,980.51
	52	 	 	 	000000000000	 	 	82,916.67	 	0.00	 	82,916.67	82,916.67
	53	 	 	 	000000000000	 	 	12,500.00	15,917.00	0.00	0.00	28,417.00	28,416.67
	54	 	 	 	000000000000	 	 	30,346.00	4,780.00	105.00	0.00	35,126.00	35,231.00
	55	 	 	 	000000000000	 	 	20,934.33	0.00	0.00	0.00	20,934.33	20,934.33
	56	 	 	 	000000000000	 	 	19,166.67	0.00	9,746.00	0.00	19,166.67	28,912.67
	57	 	 	 	000000000000	 	 	17,083.00	 	0.00	 	17,083.00	17,083.00
	58	 	 	 	000000000000	 	 	4,000.00	 	51,447.25	 	4,000.00	55,447.25
	59	 	 	 	000000000000	 	 	0.00	6,205.00	22,619.83	485.00	6,205.00	29,310.06
	60	 	 	 	000000000000	 	 	33,388.00	0.00	41,667.00	0.00	33,388.00	75,054.67
	61	 	 	 	000000000000	 	 	3,777.00	 	1,922.28	 	3,777.00	5,699.28
	62	 	 	 	000000000000	 	 	2,986.00	6,020.00	1,072.00	0.00	9,006.00	10,077.67
	63	 	 	 	000000000000	 	 	11,375.42	6,458.00	294.00	0.00	17,833.42	18,127.75
	64	 	 	 	000000000000	 	 	125,000.00	0.00	0.00	0.00	125,000.00	125,000.00
	65	 	 	 	000000000000	 	 	10,416.67	8,333.00	0.00	0.00	18,749.67	18,749.67
	66	 	 	 	000000000000	 	 	44,037.42	0.00	0.00	0.00	44,037.42	44,037.42
	67	 	 	 	000000000000	 	 	13,789.00	 	3,985.50	 	13,789.00	17,774.83
	68	 	 	 	000000000000	 	 	0.00	 	35,319.00	 	0.00	35,319.00
	69	 	 	 	000000000000	 	 	16,666.00	0.00	25,291.00	0.00	16,666.00	41,957.00
	70	 	 	 	000000000000	 	 	8,625.00	0.00	59,113.51	0.00	8,625.00	67,738.51
	71	 	 	 	000000000000	 	 	20,417.00	0.00	0.00	0.00	20,417.00	20,417.00
	72	 	 	 	000000000000	 	 	8,333.34	14,583.00	1,065.67	0.00	22,916.34	23,982.35
	73	 	 	 	000000000000	 	 	92,500.00	5,167.00	0.00	0.00	97,667.00	97,666.67
	74	 	 	 	000000000000	 	 	16,722.00	15,000.00	5,000.00	1,583.00	31,722.00	38,304.89
	75	 	 	 	000000000000	 	 	0.00	0.00	1,227.00	11,574.00	0.00	12,801.27
	76	 	 	 	000000000000	 	 	19,500.00	 	3,278.00	 	19,500.00	22,778.00
	77	 	 	 	000000000000	 	 	14,645.00	0.00	17,037.00	0.00	14,645.00	31,682.00
	78	 	 	 	000000000000	 	 	20,833.34	16,250.00	0.00	31,322.34	37,083.34	68,405.68
	79	 	 	 	000000000000	 	 	12,500.00	 	0.00	 	12,500.00	12,500.00
	80	 	 	 	000000000000	 	 	0.00	24,218.00	11,196.51	0.00	24,218.00	35,414.51
	81	 	 	 	000000000000	 	 	26,187.50	 	5,820.35	 	26,187.50	32,007.85
	82	 	 	 	000000000000	 	 	3,000.00	0.00	19,682.00	9,166.00	3,000.00	31,848.00
	83	 	 	 	000000000000	 	 	0.00	 	235,201.73	 	0.00	235,201.73
	84	 	 	 	000000000000	 	 	11,916.67	5,951.24	-1,886.08	0.00	17,867.91	15,981.83
	85	 	 	 	000000000000	 	 	14,132.00	19,158.00	2,853.00	0.00	33,290.00	36,143.00
	86	 	 	 	000000000000	 	 	9,610.00	15,117.00	21,584.00	0.00	24,727.00	46,311.00
	87	 	 	 	000000000000	 	 	0.00	0.00	25,550.00	0.00	0.00	25,550.00
	88	 	 	 	000000000000	 	 	21,668.25	9,992.00	1,666.00	0.00	31,660.25	33,326.25
	89	 	 	 	000000000000	 	 	0.00	0.00	36,189.00	0.00	0.00	36,189.00
	90	 	 	 	000000000000	 	 	25,833.17	0.00	9,766.08	0.00	25,833.17	35,599.25
	91	 	 	 	000000000000	 	 	6,250.00	 	1,075.00	 	6,250.00	7,325.00
	92	 	 	 	000000000000	 	 	25,897.00	3,848.00	-4,876.00	0.00	29,745.00	24,869.00
	93	 	 	 	000000000000	 	 	5,697.64	0.00	5,840.31	0.00	5,697.64	11,537.95
	94	 	 	 	000000000000	 	 	11,362.50	 	887.70	 	11,362.50	12,250.20
	95	 	 	 	000000000000	 	 	17,237.21	22,043.58	0.00	0.00	39,280.79	39,280.79
	96	 	 	 	000000000000	 	 	11,041.68	 	-2,657.58	 	11,041.68	8,384.10
	97	 	 	 	000000000000	 	 	0.00	0.00	6,753.29	0.00	0.00	6,753.29
	98	 	 	 	000000000000	 	 	192,106.00	 	0.00	 	192,106.00	192,106.00
	99	 	 	 	000000000000	 	 	18,883.00	 	7,708.00	 	18,883.00	26,591.00
	100	 	 	 	000000000000	 	 	0.00	 	9,738.86	 	0.00	9,738.86
	101	 	 	 	000000000000	 	 	17,500.00	11,250.00	0.00	0.00	28,750.00	28,750.00
	102	 	 	 	000000000000	 	 	22,783.33	 	0.00	 	22,783.33	22,783.33
	103	 	 	 	000000000000	 	 	10,416.68	0.00	5,385.14	0.00	10,416.68	15,801.82
	104	 	 	 	000000000000	 	 	179,885.00	0.00	5,366.00	0.00	179,885.00	185,251.00
	105	 	 	 	000000000000	 	 	29,166.66	0.00	0.00	0.00	29,166.66	29,166.66
	106	 	 	 	000000000000	 	 	0.00	 	125,564.00	 	0.00	125,564.00
	107	 	 	 	000000000000	 	 	75,463.50	20,873.50	0.00	0.00	96,337.00	96,337.00
	108	 	 	 	000000000000	 	 	0.00	176,114.91	-1,000.00	769.78	176,114.91	175,884.69
	109	 	 	 	000000000000	 	 	0.00	 	34,605.92	 	0.00	34,605.92
	110	 	 	 	000000000000	 	 	42,469.28	0.00	-1,503.00	0.00	42,469.28	40,966.28
	111	 	 	 	000000000000	 	 	7,431.00	5,597.00	0.00	0.00	13,028.00	13,028.00
	112	 	 	 	000000000000	 	 	0.00	0.00	4,000.00	29,512.00	0.00	33,512.00
	113	 	 	 	000000000000	 	 	12,500.00	 	21,372.26	 	12,500.00	33,872.26
	114	 	 	 	000000000000	 	 	0.00	0.00	22,581.00	0.00	0.00	22,581.00
	115	 	 	 	000000000000	 	 	0.00	0.00	14,583.34	38,840.19	0.00	53,423.53
	116	 	 	 	000000000000	 	 	22,109.00	0.00	1,557.00	0.00	22,109.00	23,666.00
	117	 	 	 	000000000000	 	 	0.00	 	22,940.51	 	0.00	22,940.51
	118	 	 	 	000000000000	 	 	16,666.67	0.00	4,000.00	0.00	16,666.67	20,666.67
	119	 	 	 	000000000000	 	 	12,833.84	0.00	135.00	0.00	12,833.84	12,968.34
	120	 	 	 	000000000000	 	 	8,333.34	14,499.37	717.54	2,260.53	22,832.71	25,810.78
	121	 	 	 	000000000000	 	 	0.00	 	9,556.00	0.00	0.00	9,556.00


 


	KEY	4506-T Indicator	Borrower Income
 Verification Level	Co-Borrower
 Income Verification	Borrower
 Employment
 Verification	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
	1	0	5	 	3	 	3	 	115,751.14	8,751.25	0.3231	 	 	100.00
	2	0	5	 	2	 	4	 	406,727.31	9,710.40	0.3400	 	 	100.00
	3	0	5	 	2	 	4	 	520,123.64	7,484.88	0.2600	 	 	100.00
	4	0	4	 	2	 	4	 	585,892.35	7,433.97	0.3600	 	 	100.00
	5	0	5	 	2	 	4	 	1,402,938.80	11,917.35	0.3800	 	 	100.00
	6	0	5	 	2	 	4	 	151,065.15	4,574.17	0.2200	 	 	100.00
	7	0	5	 	2	 	4	 	663,155.10	10,875.87	0.3600	 	 	100.00
	8	0	5	 	2	 	4	 	280,138.00	17,820.77	0.2900	 	 	100.00
	9	0	5	 	2	 	4	 	2,182,186.54	6,941.63	0.1600	 	 	 
	10	0	5	 	2	 	4	 	167,431.72	15,346.23	0.2200	 	 	 
	11	0	5	 	2	 	4	 	473,001.73	14,301.91	0.4400	 	 	100.00
	12	0	4	 	2	 	4	 	463,320.50	6,486.07	0.2900	 	 	 
	13	0	5	 	2	 	4	 	202,575.48	8,781.24	0.3500	 	 	 
	14	0	5	 	2	 	4	 	1,609,606.87	7,094.01	0.1200	 	 	 
	15	0	4	 	2	 	4	 	953,792.08	8,376.53	0.1300	 	 	 
	16	0	4	 	3	 	3	 	653,321.57	10,979.54	0.4177	 	 	 
	17	0	5	 	2	 	4	 	1,431,822.50	9,916.67	0.3400	 	 	 
	18	0	5	 	2	 	4	 	1,497,061.30	11,307.86	0.4400	 	 	100.00
	19	0	5	 	2	 	4	 	481,597.39	6,750.00	0.2700	 	 	100.00
	20	0	5	 	2	 	4	 	177,229.02	4,737.26	0.2200	 	 	 
	21	0	4	 	2	 	4	 	662,433.24	8,767.62	0.1800	 	 	 
	22	0	4	 	2	 	4	 	1,625,556.00	13,333.12	0.3200	 	 	 
	23	0	5	 	2	 	4	 	2,107,118.77	5,391.25	0.1900	 	 	 
	24	0	4	 	2	 	4	 	1,697,796.00	5,864.04	0.4200	 	 	100.00
	25	0	5	 	2	 	4	 	1,031,935.00	7,467.60	0.2000	 	 	 
	26	0	5	 	2	 	4	 	1,447,585.00	11,041.20	0.4000	 	 	 
	27	0	5	 	2	 	4	 	1,054,399.90	7,158.27	0.1300	 	 	 
	28	0	5	 	2	 	4	 	3,505,735.00	10,827.10	0.2800	 	 	 
	29	0	5	 	2	 	4	 	518,742.64	10,436.48	0.3800	 	 	 
	30	0	4	 	2	 	4	 	1,568,245.00	38,139.27	0.1200	 	 	 
	31	0	5	 	2	 	4	 	1,515,905.00	20,533.44	0.3200	 	 	 
	32	0	5	 	2	 	4	 	2,799,010.98	8,221.20	0.3100	 	 	100.00
	33	0	5	 	2	 	4	 	1,300,622.87	9,975.32	0.3800	 	 	 
	34	0	4	 	2	 	4	 	38,356.72	3,241.95	0.2400	 	 	 
	35	0	4	 	2	 	4	 	50,887.71	3,240.46	0.2400	 	 	 
	36	0	5	 	2	 	4	 	103,869.16	3,150.12	0.3500	 	 	100.00
	37	0	4	 	2	 	4	 	667,853.00	6,254.60	0.1900	 	 	 
	38	0	4	 	2	 	4	 	667,852.00	6,257.79	0.2000	 	 	 
	39	0	5	 	2	 	4	 	408,887.10	13,823.83	0.4100	 	 	100.00
	40	0	4	 	2	 	4	 	759,228.79	8,552.88	0.3600	 	 	 
	41	0	5	 	2	 	4	 	1,445,553.70	3,298.64	0.4500	 	 	100.00
	42	0	5	 	2	 	4	 	956,593.80	7,362.80	0.1400	 	 	100.00
	43	0	4	 	2	 	4	 	636,123.00	5,159.50	0.2500	 	 	 
	44	0	5	 	2	 	4	 	989,954.76	18,418.57	0.4100	 	 	 
	45	0	4	 	2	 	4	 	13,426,249.00	14,280.85	0.4300	 	 	100.00
	46	0	4	 	2	 	4	 	9,901,220.52	13,616.63	0.4100	 	 	100.00
	47	0	5	 	2	 	4	 	854,209.83	6,199.97	0.3700	 	 	 
	48	0	4	 	2	 	4	 	469,167.47	19,214.00	0.3900	 	 	100.00
	49	0	5	 	2	 	4	 	424,098.90	9,301.32	0.2900	 	 	 
	50	0	4	 	2	 	4	 	2,978,037.00	6,036.68	0.2400	 	 	 
	51	0	5	 	2	 	4	 	667,826.00	10,883.57	0.3300	 	 	100.00
	52	0	5	 	2	 	4	 	3,256,834.98	8,291.67	0.1000	 	 	100.00
	53	0	5	 	2	 	4	 	441,733.07	6,820.00	0.2400	 	 	 
	54	0	5	 	2	 	4	 	345,531.67	14,092.40	0.4000	 	 	 
	55	0	5	 	2	 	4	 	116,557.21	9,001.76	0.4300	 	 	100.00
	56	0	5	 	2	 	4	 	3,231,582.33	12,721.57	0.4400	 	 	 
	57	0	5	 	2	 	4	 	466,695.28	4,783.24	0.2800	 	 	100.00
	58	0	4	 	2	 	4	 	537,369.29	19,961.01	0.3600	 	 	100.00
	59	0	4	 	2	 	4	 	572,101.59	5,862.01	0.2000	 	 	 
	60	0	5	 	2	 	4	 	4,377,488.00	18,763.67	0.2500	 	 	 
	61	0	5	 	2	 	4	 	133,898.78	2,222.72	0.3900	 	 	 
	62	0	5	 	2	 	4	 	658,302.64	4,635.73	0.4600	 	 	100.00
	63	0	5	 	2	 	4	 	1,297,673.49	5,800.88	0.3200	 	 	 
	64	0	5	 	2	 	4	 	2,503,160.46	11,250.00	0.0900	 	 	100.00
	65	0	5	 	2	 	4	 	441,492.32	6,749.88	0.3600	 	 	100.00
	66	0	5	 	2	 	4	 	779,996.59	14,972.72	0.3400	 	 	100.00
	67	0	5	 	2	 	4	 	377,995.87	5,687.95	0.3200	 	 	100.00
	68	0	4	 	2	 	4	 	2,202,223.19	14,833.98	0.4200	 	 	 
	69	0	5	 	2	 	4	 	1,808,943.18	12,587.10	0.3000	 	 	100.00
	70	0	4	 	2	 	4	 	1,739,938.61	23,708.48	0.3500	 	 	100.00
	71	0	5	 	2	 	4	 	298,577.30	7,758.46	0.3800	 	 	100.00
	72	0	5	 	2	 	4	 	249,525.37	8,633.65	0.3600	 	 	100.00
	73	0	5	 	2	 	4	 	115,381.45	22,463.33	0.2300	 	 	100.00
	74	0	5	 	2	 	4	 	566,271.09	12,257.56	0.3200	 	 	 
	75	0	5	 	2	 	4	 	436,903.39	4,224.42	0.3300	 	 	 
	76	0	4	 	2	 	4	 	464,521.17	9,566.76	0.4200	 	 	 
	77	0	5	 	2	 	4	 	363,693.76	6,336.40	0.2000	 	 	 
	78	0	5	 	2	 	4	 	811,769.18	10,944.91	0.1600	 	 	 
	79	0	5	 	2	 	4	 	118,540.20	5,000.00	0.4000	 	 	100.00
	80	1	5	 	3	 	4	 	2,839,034.61	11,628.14	0.3283	 	 	100.00
	81	1	5	 	3	 	3	 	249,540.24	9,847.54	0.3077	 	 	100.00
	82	1	5	 	3	 	4	 	5,542,100.83	11,231.83	0.3527	 	 	100.00
	83	1	5	 	2	 	3	 	10,215,239.19	30,294.92	0.1288	 	 	 
	84	1	5	 	3	 	4	 	255,840.02	4,196.99	0.2626	 	 	100.00
	85	1	4	 	2	 	3	 	371,903.50	11,309.43	0.3129	 	 	100.00
	86	1	5	 	3	 	3	 	4,602,126.00	13,524.85	0.2920	 	 	 
	87	1	5	 	3	 	4	 	76,951.71	9,717.97	0.3804	 	 	94.18
	88	1	5	 	3	 	3	 	356,413.61	7,661.17	0.2299	 	 	 
	89	1	5	 	2	 	3	 	975,696.85	14,812.85	0.4093	 	 	 
	90	1	5	 	3	 	3	 	317,534.66	12,414.10	0.3487	 	 	76.47
	91	1	5	 	3	 	3	 	611,557.45	3,837.01	0.5238	 	 	 
	92	1	5	 	2	 	4	 	366,000.64	9,653.42	0.3882	 	 	67.69
	93	1	5	 	3	 	3	 	1,217,776.00	5,409.15	0.4688	 	 	100.00
	94	1	5	 	3	 	3	 	825,844.95	4,776.45	0.3899	 	 	 
	95	1	4	 	3	 	3	 	430,330.96	12,735.11	0.3242	 	 	 
	96	1	5	 	2	 	3	 	254,567.62	3,678.01	0.4387	 	 	100.00
	97	1	5	 	3	 	4	 	114,199.04	2,840.12	0.4206	 	 	100.00
	98	1	5	 	3	 	4	 	3,122,349.70	17,399.04	0.0906	 	 	100.00
	99	1	5	 	3	 	4	 	1,003,063.18	7,880.54	0.2964	 	 	100.00
	100	1	5	 	3	 	3	 	1,089,925.00	2,296.58	0.2358	 	 	100.00
	101	0	5	 	2	 	4	 	61,613.05	8,337.50	0.2900	 	 	100.00
	102	1	5	 	3	 	3	 	267,877.24	7,810.51	0.3428	 	 	100.00
	103	1	5	 	3	 	3	 	2,590,598.33	5,253.95	0.3325	 	 	 
	104	0	4	 	3	 	3	 	436,223.16	40,699.64	0.2197	 	 	100.00
	105	0	5	 	2	 	3	 	384,685.87	9,887.50	0.3390	 	 	 
	106	0	5	 	2	 	4	 	1,555,508.30	11,270.50	0.0898	 	 	0.00
	107	0	4	 	2	 	4	 	1,656,928.90	17,092.88	0.1774	 	 	 
	108	1	4	 	3	 	4	 	1,173,283.82	13,747.15	0.0782	 	 	 
	109	0	5	 	2	 	4	 	209,908.08	13,596.11	0.3929	 	 	100.00
	110	1	5	 	3	 	4	 	430,284.00	11,387.89	0.2780	 	 	 
	111	1	5	 	3	 	3	 	104,631.73	3,913.66	0.3004	 	 	100.00
	112	0	5	 	2	 	4	 	6,823,163.00	5,579.55	0.1665	 	 	 
	113	1	5	 	3	 	3	 	508,649.60	16,012.77	0.4727	 	 	100.00
	114	0	5	 	2	 	4	 	699,243.00	9,182.07	0.4066	 	 	 
	115	0	5	 	2	 	4	 	4,693,102.50	8,353.78	0.1564	 	 	100.00
	116	1	5	 	3	 	4	 	572,957.68	3,181.14	0.1344	 	 	 
	117	0	4	 	2	 	4	 	192,971.43	7,653.21	0.3336	 	 	100.00
	118	0	5	 	3	 	3	 	1,606,955.19	7,528.54	0.3643	 	 	100.00
	119	0	5	 	2	 	4	 	560,144.91	2,659.81	0.2051	 	 	 
	120	0	5	 	3	 	4	 	434,149.69	8,592.41	0.3329	 	 	100.00
	121	0	4	 	3	 	3	 	3,060,687.58	4,008.74	0.4195	 	 	 


 


	KEY	City	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	Most Recent
 Property Value2	Most Recent
 Property Valuation
 Type
	1	San Marino	CA	91108	1	1	1,480,000.00	1,480,000.00	3	20110712	 	 	 	 
	2	HOBOKEN	NJ	07030	4	1	1,590,000.00	1,600,000.00	3	20110708	 	 	 	 
	3	TIBURON	CA	94920	1	1	1,125,000.00	1,125,000.00	3	20111007	 	 	 	 
	4	REDWOOD CITY	CA	94062	1	1	1,148,000.00	1,148,000.00	3	20111016	 	 	 	 
	5	MANHATTAN BEACH	CA	90266	1	1	2,051,500.00	2,051,500.00	3	20111003	 	 	 	 
	6	SAN FRANCISCO	CA	94127	1	1	844,500.00	845,000.00	3	20111011	 	 	 	 
	7	NAPA	CA	94558	1	1	1,275,000.00	1,285,000.00	3	20110927	 	 	 	 
	8	RYE	NY	10580	1	1	2,395,000.00	2,395,000.00	3	20110930	 	 	 	 
	9	LA QUINTA	CA	92253	6	2	 	930,000.00	3	20110927	 	 	 	 
	10	SAN MATEO	CA	94402	1	1	 	2,720,000.00	3	20110928	 	 	 	 
	11	KENTFIELD	CA	94904	1	2	1,400,000.00	1,500,000.00	3	20110921	 	 	 	 
	12	SANTA ROSA	CA	95404	1	2	 	950,000.00	3	20110919	 	 	 	 
	13	NEWPORT BEACH	CA	92657	6	1	 	1,350,000.00	3	20110916	 	 	 	 
	14	LARKSPUR	CA	94939	1	1	 	1,500,000.00	3	20110914	 	 	 	 
	15	ENCINO	CA	91436	1	1	 	1,685,000.00	3	20110906	 	 	 	 
	16	MILL VALLEY	CA	94941	1	1	 	1,800,000.00	3	20111003	 	 	 	 
	17	MENLO PARK	CA	94025	1	1	 	2,550,000.00	3	20110928	 	 	 	 
	18	MILL VALLEY	CA	94941	1	1	2,280,000.00	2,300,000.00	3	20110916	 	 	 	 
	19	MILL VALLEY	CA	94941	1	1	1,175,000.00	1,250,000.00	3	20110921	 	 	 	 
	20	TOPSFIELD	MA	01983	1	1	 	700,000.00	3	20110923	 	 	 	 
	21	SAUSALITO	CA	94965	1	1	 	1,800,000.00	3	20110909	 	 	 	 
	22	WOODSIDE	CA	94062	1	1	 	3,400,000.00	3	20110912	 	 	 	 
	23	BROOKLINE	MA	02467	1	1	 	2,425,000.00	3	20110916	 	 	 	 
	24	TIBURON	CA	94920	1	1	3,126,375.00	3,150,000.00	3	20110831	 	 	 	 
	25	NEW CANAAN	CT	06840	1	1	 	2,000,000.00	3	20110916	 	 	 	 
	26	HILLSBOROUGH	CA	94010	1	1	 	4,210,000.00	3	20110814	 	 	 	 
	27	LOS ANGELES	CA	91356	6	1	 	1,800,000.00	3	20110907	 	 	 	 
	28	BAY HARBOR ISLANDS	FL	33154	1	1	 	2,650,000.00	3	20110831	 	 	 	 
	29	MENLO PARK	CA	94025	1	1	 	1,715,000.00	3	20110915	 	 	 	 
	30	PACIFIC PALISADES	CA	90272	1	1	 	9,000,000.00	3	20110823	 	 	 	 
	31	TENAFLY	NJ	07670	1	1	 	3,360,000.00	3	20110907	 	 	 	 
	32	MENLO PARK	CA	94025	1	1	1,600,000.00	1,625,000.00	3	20111007	 	 	 	 
	33	SAN FRANCISCO	CA	94117	13	1	 	1,950,000.00	3	20110824	 	 	 	 
	34	BELL	CA	90201	13	3	 	200,000.00	3	20110820	 	 	 	 
	35	BELL	CA	90201	13	3	 	180,000.00	3	20110820	 	 	 	 
	36	SAN RAFAEL	CA	94903	6	1	895,000.00	895,000.00	3	20110808	 	 	 	 
	37	OAKLAND	CA	94601	1	3	 	68,000.00	3	20110809	 	 	 	 
	38	SAN FRANCISCO	CA	94107	15	3	 	950,000.00	3	20110817	 	 	 	 
	39	PALO ALTO	CA	94303	1	1	1,700,000.00	1,700,000.00	3	20110805	 	 	 	 
	40	SAN FRANCISCO	CA	94127	1	1	 	2,530,000.00	3	20110808	 	 	 	 
	41	WALNUT CREEK	CA	94597	13	3	530,000.00	530,000.00	3	20110722	 	 	 	 
	42	LOS ANGELES	CA	90035	1	1	1,295,000.00	1,295,000.00	3	20110725	 	 	 	 
	43	SAN FRANCISCO	CA	94118	13	1	 	1,475,000.00	3	20110728	 	 	 	 
	44	LOS ALTOS HILLS	CA	94022	1	1	 	3,900,000.00	3	20110726	 	 	 	 
	45	DAVIS	CA	95616	15	3	541,384.00	580,000.00	3	20110712	 	 	 	 
	46	DAVIS	CA	95616	13	3	435,000.00	445,000.00	3	20110712	 	 	 	 
	47	LOS ALTOS	CA	94024	1	1	 	1,450,000.00	3	20110216	 	 	 	 
	48	HILLSBOROUGH	CA	94010	1	1	2,825,000.00	2,825,000.00	3	20110713	 	 	 	 
	49	SAN FRANCISCO	CA	94114	13	3	 	3,500,000.00	3	20110721	 	 	 	 
	50	HILLSBOROUGH	CA	94010	1	1	 	4,800,000.00	3	20110803	 	 	 	 
	51	PALO ALTO	CA	94303	1	1	2,700,000.00	2,700,000.00	3	20110708	 	 	 	 
	52	PARK CITY	UT	84060	3	2	845,000.00	830,000.00	3	20110718	 	 	 	 
	53	SAN RAFAEL	CA	94901	1	1	 	1,100,000.00	3	20110713	 	 	 	 
	54	MENLO PARK	CA	94025	1	1	 	2,950,000.00	3	20110711	 	 	 	 
	55	PORTLAND	OR	97229	6	1	895,000.00	895,000.00	3	20110629	 	 	 	 
	56	PORTOLA VALLEY	CA	94028	1	1	 	3,200,000.00	3	20110714	 	 	 	 
	57	BOSTON	MA	02115	4	1	859,000.00	860,000.00	3	20110706	 	 	 	 
	58	HALEIWA	HI	96712	1	2	2,380,000.00	2,250,000.00	3	20110701	 	 	 	 
	59	HAYWARD	CA	94544	1	3	 	175,000.00	3	20110629	 	 	 	 
	60	PALO ALTO	CA	94301	1	1	 	9,000,000.00	3	20110713	 	 	 	 
	61	SAN MATEO	CA	94401	2	1	 	350,000.00	3	20110706	 	 	 	 
	62	PACIFICA	CA	94044	1	1	385,000.00	385,000.00	3	20110809	 	 	 	 
	63	NEW YORK	NY	10011	2	1	 	1,150,000.00	3	20110719	 	 	 	 
	64	NEW YORK	NY	10128	2	1	3,750,000.00	3,750,000.00	3	20110529	 	 	 	 
	65	RIDGEFIELD	CT	06877	1	1	1,199,000.00	1,225,000.00	3	20110628	 	 	 	 
	66	ORINDA	CA	94563	1	1	1,850,000.00	1,850,000.00	3	20110613	 	 	 	 
	67	LOS ANGELES	CA	90046	1	1	1,050,000.00	1,100,000.00	3	20110929	 	 	 	 
	68	LOS ANGELES	CA	90024	1	1	 	3,650,000.00	3	20110613	 	 	 	 
	69	ALAMO	CA	94507	1	1	2,150,000.00	2,200,000.00	3	20110606	 	 	 	 
	70	SAN DIEGO	CA	92130	6	1	2,900,000.00	2,900,000.00	3	20110602	 	 	 	 
	71	ARMONK	NY	10504	1	1	1,115,000.00	1,115,000.00	3	20110613	 	 	 	 
	72	NEW YORK	NY	10011	3	1	1,465,000.00	1,465,000.00	3	20110607	 	 	 	 
	73	LARCHMONT	NY	10538	1	1	2,305,000.00	2,305,000.00	3	20110610	 	 	 	 
	74	SARATOGA	CA	95070	1	1	 	2,600,000.00	3	20110518	 	 	 	 
	75	NOVATO	CA	94947	1	1	 	510,000.00	3	20110412	 	 	 	 
	76	SONOMA	CA	95476	13	3	 	550,000.00	3	20110713	 	 	 	 
	77	PACIFICA	CA	94044	1	1	 	750,000.00	3	20110802	 	 	 	 
	78	WELLESLEY	MA	02481	1	1	 	2,250,000.00	3	20111031	 	 	 	 
	79	BOSTON	MA	02115	3	1	925,000.00	930,000.00	3	20111109	 	 	 	 
	80	BROOKLYN	NY	11231	4	1	830,000.00	810,000.00	3	20110601	 	 	 	 
	81	NEW YORK	NY	10003	2	1	1,275,000.00	1,275,000.00	3	20110602	 	 	 	 
	82	NEW YORK	NY	10011	4	1	3,182,500.00	3,200,000.00	3	20110602	 	 	 	 
	83	ATHERTON	CA	94027	1	3	 	2,800,000.00	3	20110606	 	 	 	 
	84	CAMPBELL	CA	95008	1	1	640,207.00	645,000.00	3	20110610	 	 	 	 
	85	MILL VALLEY	CA	94941	1	1	2,050,000.00	2,050,000.00	3	20110613	 	 	 	 
	86	HEALDSBURG	CA	95448	1	1	 	5,100,000.00	3	20110623	 	 	 	 
	87	BROOKLYN	NY	11217	1	1	3,150,000.00	3,150,000.00	3	20110630	 	 	 	 
	88	MENLO PARK	CA	94025	1	1	 	1,700,000.00	3	20110706	 	 	 	 
	89	SAN FRANCISCO	CA	94121	1	1	 	3,300,000.00	3	20110707	 	 	 	 
	90	PORTOLA VALLEY	CA	94028	1	1	1,960,000.00	1,960,000.00	3	20110713	 	 	 	 
	91	PORTLAND	OR	97209	4	2	 	800,000.00	3	20110719	 	 	 	 
	92	NEW YORK	NY	10128	2	1	1,542,000.00	1,542,000.00	3	20110720	 	 	 	 
	93	SAN FRANCISCO	CA	94111	4	3	1,009,000.00	1,009,000.00	3	20110722	 	 	 	 
	94	WOODSIDE	CA	94062	1	1	 	1,600,000.00	3	20110726	 	 	 	 
	95	LA JOLLA	CA	92037	1	1	 	3,545,000.00	3	20110727	 	 	 	 
	96	PORTLAND	OR	97219	1	1	421,225.00	425,000.00	3	20110812	 	 	 	 
	97	VANCOUVER	WA	98686	6	1	351,000.00	354,000.00	3	20110815	 	 	 	 
	98	SAN FRANCISCO	CA	94103	4	1	4,975,000.00	4,350,000.00	3	20110831	 	 	 	 
	99	SAN FRANCISCO	CA	94123	1	1	1,625,000.00	1,625,000.00	3	20111004	 	 	 	 
	100	PORTLAND	OR	97212	13	3	625,000.00	630,000.00	3	20111006	 	 	 	 
	101	WOODSIDE	CA	94062	1	1	1,375,000.00	1,375,000.00	3	20111114	 	 	 	 
	102	SAN FRANCISCO	CA	94117	1	1	1,375,000.00	1,375,000.00	3	20111221	 	 	 	 
	103	SOUTHPORT	CT	06890	1	1	 	1,500,000.00	3	20111227	 	 	 	 
	104	SANTA ROSA	CA	95403	6	1	2,525,000.00	2,525,000.00	3	20111012	 	 	 	 
	105	MENLO PARK	CA	94025	1	1	 	2,225,000.00	3	20111118	 	 	 	 
	106	POINT PLEASANT BEACH	NJ	08742	1	2	915,000.00	975,000.00	3	20110928	 	 	 	 
	107	BEDFORD HILLS	NY	10507	1	1	 	3,000,000.00	3	20111128	 	 	 	 
	108	SANTA BARBARA	CA	93103	1	1	 	2,200,000.00	3	20111220	 	 	 	 
	109	PEBBLE BEACH	CA	93953	6	2	1,200,000.00	1,200,000.00	3	20111219	 	 	 	 
	110	LOS GATOS	CA	95032	1	1	 	2,150,000.00	3	20111227	 	 	 	 
	111	LEXINGTON	MA	02421	1	1	672,000.00	675,000.00	3	20120103	 	 	 	 
	112	WEST HOLLYWOOD	CA	90048	1	1	 	1,125,000.00	3	20120104	 	 	 	 
	113	TEANECK	NJ	07666	1	1	1,225,000.00	1,230,000.00	3	20120103	 	 	 	 
	114	BOSTON	MA	02118	4	1	 	1,250,000.00	3	20111228	 	 	 	 
	115	PORTOLA VALLEY	CA	94028	1	1	3,400,000.00	3,400,000.00	3	20120103	 	 	 	 
	116	Santa Barbara	CA	93111	1	1	 	875,000.00	3	20120104	 	 	 	 
	117	PETALUMA	CA	94952	1	2	950,000.00	970,000.00	3	20111213	 	 	 	 
	118	LOS ALAMITOS	CA	90720	1	1	820,000.00	820,000.00	3	20120116	 	 	 	 
	119	NORTHRIDGE	CA	91326	1	1	 	675,000.00	3	20110708	 	 	 	 
	120	PALO ALTO	CA	94303	1	1	1,515,000.00	1,550,000.00	3	20111205	 	 	 	 
	121	GOLETA AREA	CA	93117	15	3	 	1,450,000.00	3	20111117	 	 	 	 


 


	KEY	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	MI: Lender or
 Borrower Paid?	Pool Insurance Co.
 Name	Pool Insurance Stop
 Loss %	MI Certificate
 Number	Updated DTI
 (Front-end)
	1	 	 	 	0.6622	0.6622	0	0	0	 	 	 	 	 
	2	 	 	 	0.8000	0.8000	0	0	0	 	 	 	 	 
	3	 	 	 	0.7500	0.7500	0	0	0	 	 	 	 	 
	4	 	 	 	0.8000	0.8000	0	0	0	 	 	 	 	 
	5	 	 	 	0.7000	0.7000	0	0	0	 	 	 	 	 
	6	 	 	 	0.8000	0.8000	0	0	0	 	 	 	 	 
	7	 	 	 	0.8000	0.8000	0	0	0	 	 	 	 	 
	8	 	 	 	0.7933	0.6681	0	0	0	 	 	 	 	 
	9	 	 	 	0.4301	0.4301	0	0	0	 	 	 	 	 
	10	 	 	 	0.5664	0.5415	0	0	0	 	 	 	 	 
	11	 	 	 	0.7500	0.7500	0	0	0	 	 	 	 	 
	12	 	 	 	0.6500	0.5132	0	0	0	 	 	 	 	 
	13	 	 	 	0.7407	0.7407	0	0	0	 	 	 	 	 
	14	 	 	 	0.7187	0.5853	0	0	0	 	 	 	 	 
	15	 	 	 	0.6932	0.5846	0	0	0	 	 	 	 	 
	16	 	 	 	0.6806	0.6806	0	0	0	 	 	 	 	 
	17	 	 	 	0.5490	0.5490	0	0	0	 	 	 	 	 
	18	 	 	 	0.7963	0.7963	0	0	0	 	 	 	 	 
	19	 	 	 	0.8000	0.8000	0	0	0	 	 	 	 	 
	20	 	 	 	0.7143	0.7143	0	0	0	 	 	 	 	 
	21	 	 	 	0.6167	0.5556	0	0	0	 	 	 	 	 
	22	 	 	 	0.6003	0.3944	0	0	0	 	 	 	 	 
	23	 	 	 	0.2639	0.2639	0	0	0	 	 	 	 	 
	24	 	 	 	0.1599	0.1599	0	0	0	 	 	 	 	 
	25	 	 	 	0.5250	0.5250	0	0	0	 	 	 	 	 
	26	 	 	 	0.2494	0.2138	0	0	0	 	 	 	 	 
	27	 	 	 	0.3650	0.2261	0	0	0	 	 	 	 	 
	28	 	 	 	0.3774	0.3774	0	0	0	 	 	 	 	 
	29	 	 	 	0.7500	0.5335	0	0	0	 	 	 	 	 
	30	 	 	 	0.3250	0.2778	0	0	0	 	 	 	 	 
	31	 	 	 	0.6667	0.5952	0	0	0	 	 	 	 	 
	32	 	 	 	0.6875	0.6875	0	0	0	 	 	 	 	 
	33	 	 	 	0.7436	0.6667	0	0	0	 	 	 	 	 
	34	 	 	 	0.7500	0.7500	0	0	0	 	 	 	 	 
	35	 	 	 	0.6222	0.6222	0	0	0	 	 	 	 	 
	36	 	 	 	0.4659	0.4659	0	0	0	 	 	 	 	 
	37	 	 	 	0.6490	0.6490	0	0	0	 	 	 	 	 
	38	 	 	 	0.4758	0.4758	0	0	0	 	 	 	 	 
	39	 	 	 	0.5882	0.5882	0	0	0	 	 	 	 	 
	40	 	 	 	0.4348	0.4348	0	0	0	 	 	 	 	 
	41	 	 	 	0.5283	0.5283	0	0	0	 	 	 	 	 
	42	 	 	 	0.7722	0.7722	0	0	0	 	 	 	 	 
	43	 	 	 	0.6373	0.5898	0	0	0	 	 	 	 	 
	44	 	 	 	0.2564	0.2564	0	0	0	 	 	 	 	 
	45	 	 	 	0.6999	0.6999	0	0	0	 	 	 	 	 
	46	 	 	 	0.7000	0.7000	0	0	0	 	 	 	 	 
	47	 	 	 	0.7586	0.7586	0	0	0	 	 	 	 	 
	48	 	 	 	0.7500	0.7080	0	0	0	 	 	 	 	 
	49	 	 	 	0.3543	0.2829	0	0	0	 	 	 	 	 
	50	 	 	 	0.3646	0.3438	0	0	0	 	 	 	 	 
	51	 	 	 	0.6296	0.6296	0	0	0	 	 	 	 	 
	52	 	 	 	0.7500	0.7500	0	0	0	 	 	 	 	 
	53	 	 	 	0.7500	0.7500	0	0	0	 	 	 	 	 
	54	 	 	 	0.7000	0.7000	0	0	0	 	 	 	 	 
	55	 	 	 	0.8000	0.8000	0	0	0	 	 	 	 	 
	56	 	 	 	0.5313	0.5313	0	0	0	 	 	 	 	 
	57	 	 	 	0.7101	0.7101	0	0	0	 	 	 	 	 
	58	 	 	 	0.6222	0.6222	0	0	0	 	 	 	 	 
	59	 	 	 	0.7286	0.7286	0	0	0	 	 	 	 	 
	60	 	 	 	0.1778	0.1222	0	0	0	 	 	 	 	 
	61	 	 	 	0.4286	0.4286	0	0	0	 	 	 	 	 
	62	 	 	 	0.7500	0.7500	0	0	0	 	 	 	 	 
	63	 	 	 	0.7261	0.7261	0	0	0	 	 	 	 	 
	64	 	 	 	0.3950	0.3950	0	0	0	 	 	 	 	 
	65	 	 	 	0.8000	0.8000	0	0	0	 	 	 	 	 
	66	 	 	 	0.7500	0.7500	0	0	0	 	 	 	 	 
	67	 	 	 	0.7500	0.7500	0	0	0	 	 	 	 	 
	68	 	 	 	0.5480	0.3014	0	0	0	 	 	 	 	 
	69	 	 	 	0.8000	0.6977	0	0	0	 	 	 	 	 
	70	 	 	 	0.6897	0.3793	0	0	0	 	 	 	 	 
	71	 	 	 	0.7435	0.7435	0	0	0	 	 	 	 	 
	72	 	 	 	0.8000	0.8000	0	0	0	 	 	 	 	 
	73	 	 	 	0.8000	0.6807	0	0	0	 	 	 	 	 
	74	 	 	 	0.6923	0.3846	0	0	0	 	 	 	 	 
	75	 	 	 	0.7742	0.7742	0	0	0	 	 	 	 	 
	76	 	 	 	0.7491	0.7491	0	0	0	 	 	 	 	 
	77	 	 	 	0.8000	0.5560	0	0	0	 	 	 	 	 
	78	 	 	 	0.7810	0.7810	0	0	0	 	 	 	 	 
	79	 	 	 	0.8000	0.8000	0	0	0	 	 	 	 	 
	80	 	 	 	0.6874	0.6874	0	0	0	 	 	 	 	 
	81	 	 	 	0.7500	0.7500	0	0	0	 	 	 	 	 
	82	 	 	 	0.6284	0.6284	0	0	0	 	 	 	 	 
	83	 	 	 	0.4003	0.4003	0	0	0	 	 	 	 	 
	84	 	 	 	0.7997	0.7997	0	0	0	 	 	 	 	 
	85	 	 	 	0.7500	0.7500	0	0	0	 	 	 	 	 
	86	 	 	 	0.2941	0.2941	0	0	0	 	 	 	 	 
	87	 	 	 	0.4762	0.3174	0	0	0	 	 	 	 	 
	88	 	 	 	0.7118	0.7118	0	0	0	 	 	 	 	 
	89	 	 	 	0.5303	0.3030	0	0	0	 	 	 	 	 
	90	 	 	 	0.7500	0.4591	0	0	0	 	 	 	 	 
	91	 	 	 	0.5000	0.5000	0	0	0	 	 	 	 	 
	92	 	 	 	0.6226	0.6225	0	0	0	 	 	 	 	 
	93	 	 	 	0.5352	0.5352	0	0	0	 	 	 	 	 
	94	 	 	 	0.5156	0.5156	0	0	0	 	 	 	 	 
	95	 	 	 	0.4937	0.4937	0	0	0	 	 	 	 	 
	96	 	 	 	0.8000	0.8000	0	0	0	 	 	 	 	 
	97	 	 	 	0.7977	0.7977	0	0	0	 	 	 	 	 
	98	 	 	 	0.6897	0.6896	0	0	0	 	 	 	 	 
	99	 	 	 	0.8000	0.5230	0	0	0	 	 	 	 	 
	100	 	 	 	0.4400	0.4400	0	0	0	 	 	 	 	 
	101	 	 	 	0.8000	0.8000	0	0	0	 	 	 	 	 
	102	 	 	 	0.7818	0.7818	0	0	0	 	 	 	 	 
	103	 	 	 	0.3467	0.3467	0	0	0	 	 	 	 	 
	104	 	 	 	0.7921	0.7921	0	0	0	 	 	 	 	 
	105	 	 	 	0.6652	0.6652	0	0	0	 	 	 	 	 
	106	 	 	 	0.7500	0.7500	0	0	0	 	 	 	 	 
	107	 	 	 	0.6567	0.6567	0	0	0	 	 	 	 	 
	108	 	 	 	0.7000	0.7000	0	0	0	 	 	 	 	 
	109	 	 	 	0.7500	0.7500	0	0	0	 	 	 	 	 
	110	 	 	 	0.6512	0.6512	0	0	0	 	 	 	 	 
	111	 	 	 	0.8000	0.8000	0	0	0	 	 	 	 	 
	112	 	 	 	0.6000	0.6000	0	0	0	 	 	 	 	 
	113	 	 	 	0.8000	0.8000	0	0	0	 	 	 	 	 
	114	 	 	 	0.7000	0.7000	0	0	0	 	 	 	 	 
	115	 	 	 	0.4118	0.4118	0	0	0	 	 	 	 	 
	116	 	 	 	0.6500	0.6500	0	0	0	 	 	 	 	 
	117	 	 	 	0.7500	0.7500	0	0	0	 	 	 	 	 
	118	 	 	 	0.7500	0.7500	0	0	0	 	 	 	 	 
	119	 	 	 	0.5037	0.5037	0	0	0	 	 	 	 	 
	120	 	 	 	0.7550	0.7550	0	0	0	 	 	 	 	 
	121	 	 	 	0.5214	0.5214	0	0	0	 	 	 	 	 


 


	KEY	Updated DTI
 (Back-end)	Modification
 Effective Payment
 Date	Total Capitalized
 Amount	Total Deferred
 Amount	Pre-Modification
 Interest (Note) Rate	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
	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	 	 	 	 	 	 	 	 	 	 	 	 
	27	 	 	 	 	 	 	 	 	 	 	 	 
	28	 	 	 	 	 	 	 	 	 	 	 	 
	29	 	 	 	 	 	 	 	 	 	 	 	 
	30	 	 	 	 	 	 	 	 	 	 	 	 
	31	 	 	 	 	 	 	 	 	 	 	 	 
	32	 	 	 	 	 	 	 	 	 	 	 	 
	33	 	 	 	 	 	 	 	 	 	 	 	 
	34	 	 	 	 	 	 	 	 	 	 	 	 
	35	 	 	 	 	 	 	 	 	 	 	 	 
	36	 	 	 	 	 	 	 	 	 	 	 	 
	37	 	 	 	 	 	 	 	 	 	 	 	 
	38	 	 	 	 	 	 	 	 	 	 	 	 
	39	 	 	 	 	 	 	 	 	 	 	 	 
	40	 	 	 	 	 	 	 	 	 	 	 	 
	41	 	 	 	 	 	 	 	 	 	 	 	 
	42	 	 	 	 	 	 	 	 	 	 	 	 
	43	 	 	 	 	 	 	 	 	 	 	 	 
	44	 	 	 	 	 	 	 	 	 	 	 	 
	45	 	 	 	 	 	 	 	 	 	 	 	 
	46	 	 	 	 	 	 	 	 	 	 	 	 
	47	 	 	 	 	 	 	 	 	 	 	 	 
	48	 	 	 	 	 	 	 	 	 	 	 	 
	49	 	 	 	 	 	 	 	 	 	 	 	 
	50	 	 	 	 	 	 	 	 	 	 	 	 
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	121	 	 	 	 	 	 	 	 	 	 	 	 


 


	KEY	Number of
 Modifications	Cash To/From Brrw at Closing	Brrw - Yrs at in Industry	CoBrrw - Yrs at in Industry	Junior Mortgage Drawn Amount	Maturity Date	Primary Borrower Wage Income (Salary)
	1	 	 	9.00	 	0.00	20410901	27,083.00
	2	 	 	20.00	 	0.00	20410901	28,560.00
	3	 	 	25.00	11.00	0.00	20411201	12,375.00
	4	 	 	11.00	15.00	0.00	20411101	6,667.00
	5	 	 	21.00	 	0.00	20411101	27,945.00
	6	 	 	9.00	 	0.00	20411101	20,792.00
	7	 	 	15.00	 	0.00	20411101	21,667.00
	8	 	 	16.00	 	300,000.00	20411101	25,000.00
	9	 	 	36.00	13.00	0.00	20411101	21,042.00
	10	 	 	21.00	21.00	67,500.00	20411101	32,500.00
	11	 	 	20.00	 	0.00	20411101	16,921.00
	12	 	 	25.00	 	130,000.00	20411101	0.00
	13	 	 	10.00	 	0.00	20411101	0.00
	14	 	 	29.00	 	200,000.00	20411101	59,117.00
	15	 	 	18.00	15.00	183,000.00	20411101	0.00
	16	 	 	33.00	 	0.00	20411201	25,546.00
	17	 	 	10.00	 	0.00	20411101	29,167.00
	18	 	 	12.00	16.00	0.00	20411101	13,333.00
	19	 	 	13.00	4.00	0.00	20411101	16,667.00
	20	 	 	4.00	 	0.00	20411101	16,505.00
	21	 	 	23.00	 	110,000.00	20411101	0.00
	22	 	 	30.00	25.00	700,000.00	20411101	0.00
	23	 	 	12.00	 	0.00	20411101	19,375.00
	24	 	 	2.00	 	0.00	20411001	0.00
	25	 	 	12.00	 	0.00	20411101	37,338.00
	26	 	 	15.00	 	150,000.00	20411001	23,997.00
	27	 	 	12.00	12.00	250,000.00	20411101	52,636.00
	28	 	 	40.00	 	0.00	20411101	0.00
	29	 	 	15.00	 	371,250.00	20411101	27,464.00
	30	 	 	9.00	2.00	425,000.00	20411101	0.00
	31	 	 	13.00	11.00	240,000.00	20411001	50,000.00
	32	 	 	5.00	 	0.00	20411101	20,000.00
	33	 	 	12.00	20.00	150,000.00	20411001	12,500.00
	34	 	 	20.00	25.00	0.00	20411001	2,550.00
	35	 	 	20.00	25.00	0.00	20411001	2,550.00
	36	 	 	8.00	3.00	0.00	20411001	3,333.00
	37	 	 	18.00	10.00	0.00	20411001	6,205.00
	38	 	 	18.00	10.00	0.00	20411001	6,205.00
	39	 	 	12.00	15.00	0.00	20410901	21,600.00
	40	 	 	31.00	15.00	0.00	20411001	10,833.00
	41	 	 	0.00	 	0.00	20410901	0.00
	42	 	 	13.00	17.00	0.00	20411001	12,500.00
	43	 	 	33.00	 	70,000.00	20410901	20,638.00
	44	 	 	30.00	 	0.00	20410901	25,516.00
	45	 	 	50.00	 	0.00	20410901	0.00
	46	 	 	50.00	 	0.00	20410901	0.00
	47	 	 	14.00	 	0.00	20410901	13,917.00
	48	 	 	9.00	10.00	118,750.00	20410901	20,000.00
	49	 	 	16.00	 	250,000.00	20410901	26,216.00
	50	 	 	35.00	 	100,000.00	20411001	1,923.00
	51	 	 	10.00	2.00	0.00	20410801	22,981.00
	52	 	 	7.00	 	0.00	20410901	82,917.00
	53	 	 	17.00	16.00	0.00	20410901	12,500.00
	54	 	 	11.00	6.00	0.00	20410901	30,346.00
	55	 	 	20.00	20.00	0.00	20410901	20,934.00
	56	 	 	24.00	 	0.00	20410901	19,167.00
	57	 	 	20.00	 	0.00	20410801	17,083.00
	58	 	 	22.00	 	0.00	20410801	4,000.00
	59	 	 	18.00	10.00	0.00	20410901	0.00
	60	 	 	17.00	 	500,000.00	20411101	33,388.00
	61	 	 	2.00	 	0.00	20410901	3,777.00
	62	 	 	32.00	2.00	0.00	20410901	2,986.00
	63	 	 	27.00	14.00	0.00	20411001	11,375.00
	64	 	 	18.00	 	0.00	20410801	125,000.00
	65	 	 	12.00	7.00	0.00	20410801	10,417.00
	66	 	 	11.00	 	0.00	20410801	44,037.00
	67	 	 	25.00	 	0.00	20411101	13,789.00
	68	 	 	28.00	 	900,000.00	20410901	0.00
	69	 	 	15.00	 	220,000.00	20410901	16,666.00
	70	 	 	21.00	 	900,000.00	20410701	8,625.00
	71	 	 	10.00	 	0.00	20410901	20,417.00
	72	 	 	3.00	5.00	0.00	20410701	8,333.00
	73	 	 	8.00	10.00	275,000.00	20410901	92,500.00
	74	 	 	15.00	9.00	600,000.00	20410701	16,722.00
	75	 	 	4.00	4.00	0.00	20410901	0.00
	76	 	 	15.00	 	0.00	20410801	19,500.00
	77	 	 	24.00	3.00	183,000.00	20411001	14,645.00
	78	 	 	5.00	 	0.00	20411201	20,833.34
	79	 	 	23.00	 	0.00	20420101	12,500.00
	80	 	 	20.00	20.00	0.00	20410701	0.00
	81	 	 	1.00	 	0.00	20410901	26,187.50
	82	 	 	5.00	4.00	0.00	20410801	3,000.00
	83	 	 	11.00	 	0.00	20410801	0.00
	84	 	 	8.00	11.00	0.00	20410801	11,916.67
	85	 	 	22.00	10.00	0.00	20410801	14,132.00
	86	 	 	20.00	20.00	0.00	20410801	9,610.00
	87	 	 	17.00	19.00	500,000.00	20410901	0.00
	88	 	 	12.00	13.00	0.00	20410801	21,668.25
	89	 	 	18.00	0.00	750,000.00	20410901	0.00
	90	 	 	25.00	0.00	570,000.00	20410901	25,833.17
	91	 	 	0.00	 	0.00	20410901	6,250.00
	92	 	 	13.00	11.00	0.00	20410901	25,897.00
	93	 	 	0.00	0.00	0.00	20410901	5,697.64
	94	 	 	26.00	 	0.00	20410901	11,362.50
	95	 	 	26.00	26.00	0.00	20410901	17,237.21
	96	 	 	15.00	 	0.00	20411001	11,041.68
	97	 	 	4.00	7.00	0.00	20410901	0.00
	98	 	 	30.00	 	0.00	20411001	192,106.00
	99	 	 	20.00	 	450,000.00	20411101	18,883.00
	100	 	 	23.00	 	0.00	20411101	0.00
	101	 	 	4.00	5.00	0.00	20411201	17,500.00
	102	 	 	5.00	 	0.00	20420101	22,783.33
	103	 	 	25.00	0.00	0.00	20420201	10,416.68
	104	 	 	7.00	10.00	0.00	20411201	179,885.00
	105	 	 	11.00	13.00	0.00	20420101	29,166.66
	106	 	 	10.00	 	0.00	20420201	0.00
	107	 	 	35.00	28.00	0.00	20420301	75,463.50
	108	 	 	0.00	30.00	0.00	20420301	0.00
	109	 	 	15.00	 	0.00	20420201	0.00
	110	 	 	14.00	14.00	0.00	20420201	42,469.28
	111	 	 	10.00	9.00	0.00	20420301	7,431.00
	112	 	 	4.00	2.00	0.00	20420201	0.00
	113	 	 	13.00	 	0.00	20420201	12,500.00
	114	 	 	6.00	0.00	0.00	20420301	0.00
	115	 	 	10.00	10.00	0.00	20420201	0.00
	116	 	 	41.00	24.00	0.00	20420301	22,109.00
	117	 	 	20.00	 	0.00	20420201	0.00
	118	 	 	9.00	0.00	0.00	20420201	16,666.67
	119	 	 	18.00	0.00	0.00	20410901	12,833.84
	120	 	 	3.00	12.00	0.00	20420201	8,333.34
	121	 	 	37.00	2.00	0.00	20420101	0.00


 


	KEY	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	RWT Income Verification	RWT Asset Verification
	1	0.00	0.00	0.00	0.00	0.00	Full	2 years	1 Month
	2	0.00	0.00	 	 	 	Full	2 years	2 Months
	3	2,916.00	0.00	9,750.00	3,747.00	0.00	Full	2 years	2 Months
	4	0.00	0.00	8,568.00	0.00	0.00	Full	2 years	2 Months
	5	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	6	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	7	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	8	10,189.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	9	0.00	0.00	18,240.00	0.00	0.00	Full	2 years	2 Months
	10	9,750.00	0.00	20,898.00	6,608.00	0.00	Full	2 years	2 Months
	11	15,583.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	12	0.00	0.00	 	 	 	Full	2 years	2 Months
	13	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	14	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	15	0.00	0.00	25,375.00	0.00	0.00	Full	2 years	2 Months
	16	0.00	0.00	0.00	0.00	0.00	Full	2 years	1 Month
	17	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	18	0.00	0.00	9,167.00	0.00	0.00	Full	2 years	2 Months
	19	8,333.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	20	0.00	0.00	5,028.00	0.00	0.00	Full	2 years	2 Months
	21	0.00	0.00	 	 	 	Full	2 years	2 Months
	22	0.00	0.00	41,666.00	0.00	0.00	Full	2 years	2 Months
	23	9,000.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	24	0.00	0.00	 	 	 	Full	2 years	2 Months
	25	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	26	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	27	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	28	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	29	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	30	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	31	0.00	0.00	14,167.00	0.00	0.00	Full	2 years	2 Months
	32	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	33	0.00	0.00	8,333.00	0.00	0.00	Full	2 years	2 Months
	34	0.00	0.00	6,886.00	0.00	0.00	Full	2 years	2 Months
	35	0.00	0.00	6,886.00	0.00	0.00	Full	2 years	2 Months
	36	0.00	0.00	5,667.00	0.00	0.00	Full	2 years	2 Months
	37	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	38	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	39	0.00	0.00	11,617.00	0.00	0.00	Full	2 years	2 Months
	40	0.00	0.00	12,218.00	0.00	0.00	Full	2 years	2 Months
	41	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	42	16,833.00	0.00	17,234.00	6,025.00	0.00	Full	2 years	2 Months
	43	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	44	7,917.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	45	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	46	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	47	1,250.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	48	0.00	0.00	9,583.00	0.00	0.00	Full	2 years	2 Months
	49	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	50	0.00	0.00	 	 	 	Full	2 years	2 Months
	51	10,000.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	52	0.00	0.00	 	 	 	Full	2 years	2 Months
	53	0.00	0.00	15,917.00	0.00	0.00	Full	2 years	2 Months
	54	0.00	0.00	4,780.00	0.00	0.00	Full	2 years	2 Months
	55	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	56	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	57	0.00	0.00	 	 	 	Full	2 years	2 Months
	58	0.00	0.00	 	 	 	Full	2 years	2 Months
	59	0.00	0.00	6,205.00	0.00	0.00	Full	2 years	2 Months
	60	41,667.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	61	0.00	0.00	 	 	 	Full	2 years	2 Months
	62	0.00	0.00	6,020.00	0.00	0.00	Full	2 years	2 Months
	63	0.00	0.00	6,458.00	0.00	0.00	Full	2 years	2 Months
	64	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	65	0.00	0.00	8,333.00	0.00	0.00	Full	2 years	2 Months
	66	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	67	3,098.00	0.00	 	 	 	Full	2 years	2 Months
	68	0.00	0.00	 	 	 	Full	2 years	2 Months
	69	25,291.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	70	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	71	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	72	0.00	0.00	14,583.00	0.00	0.00	Full	2 years	2 Months
	73	0.00	0.00	5,167.00	0.00	0.00	Full	2 years	2 Months
	74	5,000.00	0.00	15,000.00	1,583.00	0.00	Full	2 years	2 Months
	75	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	76	0.00	0.00	 	 	 	Full	2 years	2 Months
	77	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	78	31,322.34	0.00	16,250.00	0.00	0.00	Full	2 years	2 Months
	79	0.00	0.00	 	 	 	Full	2 years	2 Months
	80	0.00	0.00	24,218.00	0.00	0.00	Full	2 years	2 Months
	81	9,820.35	0.00	 	 	 	Full	2 years	1 Month
	82	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	83	0.00	0.00	 	 	 	Full	2 years	1 Month
	84	0.00	0.00	5,951.24	0.00	0.00	Full	2 years	2 Months
	85	0.00	0.00	19,158.00	0.00	0.00	Full	2 years	1 Month
	86	0.00	0.00	15,117.00	0.00	0.00	Full	2 years	1 Month
	87	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	88	1,666.00	0.00	9,992.00	0.00	0.00	Full	2 years	1 Month
	89	0.00	0.00	0.00	0.00	0.00	Full	2 years	1 Month
	90	8,740.58	0.00	0.00	0.00	0.00	Full	2 years	1 Month
	91	0.00	0.00	 	 	 	Full	2 years	1 Month
	92	0.00	0.00	3,848.00	0.00	0.00	Full	2 years	2 Months
	93	0.00	0.00	0.00	0.00	0.00	Full	2 years	1 Month
	94	0.00	0.00	 	 	 	Full	2 years	1 Month
	95	0.00	0.00	22,043.58	0.00	0.00	Full	2 years	1 Month
	96	0.00	0.00	 	 	 	Full	2 years	1 Month
	97	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	98	0.00	0.00	 	 	 	Full	2 years	2 Months
	99	7,708.00	0.00	 	 	 	Full	2 years	2 Months
	100	0.00	0.00	 	 	 	Full	2 years	1 Month
	101	0.00	0.00	11,250.00	0.00	0.00	Full	2 years	2 Months
	102	0.00	0.00	 	 	 	Full	2 years	1 Month
	103	4,166.67	0.00	0.00	0.00	0.00	Full	2 years	1 Month
	104	0.00	0.00	0.00	0.00	0.00	Full	2 years	1 Month
	105	0.00	0.00	0.00	0.00	0.00	Full	2 years	1 Month
	106	0.00	0.00	 	 	 	Full	2 years	2 Months
	107	0.00	0.00	20,873.50	0.00	0.00	Full	2 years	2 Months
	108	0.00	0.00	176,114.91	0.00	0.00	Full	2 years	2 Months
	109	0.00	0.00	 	 	 	Full	2 years	2 Months
	110	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	111	0.00	0.00	5,597.00	0.00	0.00	Full	2 years	1 Month
	112	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	113	18,333.34	0.00	 	 	 	Full	2 years	1 Month
	114	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	115	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	116	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	117	0.00	0.00	 	 	 	Full	2 years	2 Months
	118	0.00	0.00	0.00	0.00	0.00	Full	2 years	1 Month
	119	0.00	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	120	0.00	0.00	14,499.37	2,702.70	 	Full	2 years	2 Months
	121	0.00	0.00	 	 	 	Full	2 years	1 Month


 








    	 



    	 



    



ASF RMBS DISCLOSURE PACKAGE



















	
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

	
For “Cash-out” loans (see Glossary):


 


[NEW LOAN AMOUNT] – [PAID-OFF FIRST MORTGAGE LOAN AMOUNT] – [PAID-OFF SECOND MORTGAGE LOAN AMOUNT (if Second was used to purchase the property)] – [CLOSING COSTS].

	
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


AND the most senior lien is a hybrid ARM (see Field 20)

	
>= 0

	  	  
	
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**)


*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)

	
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)


 

	  
	
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**)


*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)

	
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)


 

	  
	
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.

	
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.

	
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

	  	  
	
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

	  







    	 



    	 



    


 


ATTACHMENT 1B


 


MORTGAGE LOAN SCHEDULE


 


 






    	28



    	 



    
 








	KEY	CounterParty	Primary Servicer	Servicing Fee %	Servicing Fee—Flatdollar	Servicing Advance Methodology	Originator	Loan Group	Loan Number	Servicer Loan Number	Amortization Type
	1	Barclays	1002338	0.0025	 	 	1002338	1	3500003231	12-479299-0	1
	2	Barclays	1002338	0.0025	 	 	1002338	1	3500003228	12-478970-7	1
	3	Barclays	1002338	0.0025	 	 	1002338	1	3500003226	12-478634-9	1
	4	Barclays	1002338	0.0025	 	 	1002338	1	3500003225	12-478554-9	1
	5	Barclays	1002338	0.0025	 	 	1002338	1	3500003222	12-478376-7	1
	6	Barclays	1002338	0.0025	 	 	1002338	1	3500003221	12-478308-0	1
	7	Barclays	1002338	0.0025	 	 	1002338	1	3500003220	12-478297-5	1
	8	Barclays	1002338	0.0025	 	 	1002338	1	3500003219	12-478272-8	1
	9	Barclays	1002338	0.0025	 	 	1002338	1	3500003215	12-477918-7	1
	10	Barclays	1002338	0.0025	 	 	1002338	1	3500003211	12-477792-6	1
	11	Barclays	1002338	0.0025	 	 	1002338	1	3500003204	12-477567-2	1
	12	Barclays	1002338	0.0025	 	 	1002338	1	3500003202	12-477485-7	1
	13	Barclays	1002338	0.0025	 	 	1002338	1	3500003200	12-477188-7	1
	14	Barclays	1002338	0.0025	 	 	1002338	1	3500003199	12-477147-3	1
	15	Barclays	1002338	0.0025	 	 	1002338	1	3500003198	12-477112-7	1
	16	Barclays	1002338	0.0025	 	 	1002338	1	3500003196	12-477060-8	1
	17	Barclays	1002338	0.0025	 	 	1002338	1	3500003195	12-476906-3	1
	18	Barclays	1002338	0.0025	 	 	1002338	1	3500003193	12-476871-9	1
	19	Barclays	1002338	0.0025	 	 	1002338	1	3500003190	12-476580-6	1
	20	Barclays	1002338	0.0025	 	 	1002338	1	3500003189	12-476563-2	1
	21	Barclays	1002338	0.0025	 	 	1002338	1	3500003188	12-476561-6	1
	22	Barclays	1002338	0.0025	 	 	1002338	1	3500003187	12-476534-3	1
	23	Barclays	1002338	0.0025	 	 	1002338	1	3500003186	12-476523-6	1
	24	Barclays	1002338	0.0025	 	 	1002338	1	3500003185	12-476450-2	1
	25	Barclays	1002338	0.0025	 	 	1002338	1	3500003184	12-476376-9	1
	26	Barclays	1002338	0.0025	 	 	1002338	1	3500003181	12-476228-2	1
	27	Barclays	1002338	0.0025	 	 	1002338	1	3500003179	12-476057-5	1
	28	Barclays	1002338	0.0025	 	 	1002338	1	3500003178	12-476007-0	1
	29	Barclays	1002338	0.0025	 	 	1002338	1	3500003174	12-475677-1	1
	30	Barclays	1002338	0.0025	 	 	1002338	1	3500003173	12-475614-4	1
	31	Barclays	1002338	0.0025	 	 	1002338	1	3500003171	12-475438-8	1
	32	Barclays	1002338	0.0025	 	 	1002338	1	3500003170	12-475278-8	1
	33	Barclays	1002338	0.0025	 	 	1002338	1	3500003167	12-474532-9	1
	34	 	1002338	0.0025	 	 	1002338	1	3500003166	12-474314-2	1


 


	KEY	Lien Position	HELOC Indicator	Loan Purpose	Cash Out Amount	Total Origination and Discount Points	Covered/High Cost Loan Indicator	Relocation Loan Indicator	Broker Indicator	Channel
	1	1	0	7	 	 	 	 	 	1
	2	1	0	7	 	 	 	 	 	1
	3	1	0	6	 	 	 	 	 	1
	4	1	0	7	 	 	 	 	 	1
	5	1	0	9	 	 	 	 	 	1
	6	1	0	7	 	 	 	 	 	1
	7	1	0	7	 	 	 	 	 	1
	8	1	0	9	 	 	 	 	 	1
	9	1	0	9	 	 	 	 	 	1
	10	1	0	7	 	 	 	 	 	1
	11	1	0	9	 	 	 	 	 	1
	12	1	0	9	 	 	 	 	 	1
	13	1	0	7	 	 	 	 	 	1
	14	1	0	7	 	 	 	 	 	1
	15	1	0	7	 	 	 	 	 	1
	16	1	0	9	 	 	 	 	 	1
	17	1	0	7	 	 	 	 	 	1
	18	1	0	7	 	 	 	 	 	1
	19	1	0	3	 	 	 	 	 	1
	20	1	0	9	 	 	 	 	 	1
	21	1	0	9	 	 	 	 	 	1
	22	1	0	7	 	 	 	 	 	1
	23	1	0	7	 	 	 	 	 	1
	24	1	0	3	 	 	 	 	 	1
	25	1	0	3	 	 	 	 	 	1
	26	1	0	9	 	 	 	 	 	1
	27	1	0	9	 	 	 	 	 	1
	28	1	0	9	 	 	 	 	 	1
	29	1	0	9	 	 	 	 	 	1
	30	1	0	9	 	 	 	 	 	1
	31	1	0	9	 	 	 	 	 	1
	32	1	0	9	 	 	 	 	 	1
	33	1	0	9	 	 	 	 	 	1
	34	1	0	7	 	 	 	 	 	1


 


	KEY	Escrow Indicator	Senior Loan
 Amount(s)	Loan Type of Most
 Senior Lien	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
	1	0	0	 	 	 	113,000.00	 	20120124	1,254,000.00	0.0405	360
	2	0	0	 	 	 	179,000.00	 	20120124	2,000,000.00	0.0395	360
	3	0	0	 	 	 	0.00	 	20120103	672,000.00	0.0430	360
	4	4	0	 	 	 	0.00	 	20111227	694,800.00	0.0435	360
	5	0	0	 	 	 	0.00	 	20120123	990,000.00	0.0440	360
	6	0	0	 	 	 	0.00	 	20111227	1,000,000.00	0.0445	360
	7	0	0	 	 	 	0.00	 	20120110	675,000.00	0.0430	360
	8	0	0	 	 	 	0.00	 	20120125	2,930,000.00	0.0430	360
	9	0	0	 	 	 	0.00	 	20120117	955,000.00	0.0440	360
	10	0	0	 	 	 	60,000.00	 	20111228	1,000,000.00	0.0415	360
	11	0	0	 	 	 	71,000.00	 	20111230	1,000,000.00	0.0440	360
	12	0	0	 	 	 	150,000.00	 	20120124	1,000,000.00	0.0415	360
	13	0	0	 	 	 	1,000,000.00	 	20111115	1,500,000.00	0.0450	360
	14	0	0	 	 	 	0.00	 	20111208	800,000.00	0.0435	360
	15	0	0	 	 	 	307,500.00	 	20111121	2,000,000.00	0.0420	360
	16	0	0	 	 	 	500,000.00	 	20111221	1,155,000.00	0.0445	360
	17	0	0	 	 	 	0.00	 	20120118	1,225,000.00	0.0420	360
	18	0	0	 	 	 	0.00	 	20111129	1,860,000.00	0.0420	360
	19	0	0	 	 	 	0.00	 	20111212	1,400,000.00	0.0450	360
	20	0	0	 	 	 	0.00	 	20111220	915,000.00	0.0445	360
	21	0	0	 	 	 	1,200,000.00	 	20111215	880,000.00	0.0450	360
	22	0	0	 	 	 	0.00	 	20111123	1,157,600.00	0.0435	360
	23	0	0	 	 	 	0.00	 	20111221	825,000.00	0.0440	360
	24	0	0	 	 	 	500,000.00	 	20111128	2,500,000.00	0.0435	360
	25	0	0	 	 	 	0.00	 	20111222	1,450,000.00	0.0440	360
	26	0	0	 	 	 	0.00	 	20120112	1,550,000.00	0.0420	360
	27	0	0	 	 	 	0.00	 	20111122	1,000,000.00	0.0430	360
	28	0	0	 	 	 	500,000.00	 	20111202	1,250,000.00	0.0430	360
	29	0	0	 	 	 	534,000.00	 	20111207	713,000.00	0.0435	360
	30	0	0	 	 	 	1,245,000.00	 	20120111	900,000.00	0.0435	360
	31	0	0	 	 	 	0.00	 	20111117	1,585,000.00	0.0415	360
	32	0	0	 	 	 	0.00	 	20111118	1,682,328.00	0.0440	360
	33	0	0	 	 	 	0.00	 	20111107	1,448,000.00	0.0440	360
	34	0	0	 	 	 	0.00	 	20111209	900,000.00	0.0425	360


 


	KEY	Original Term to
 Maturity	First Payment Date
 of Loan	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
	1	360	20120301	1	0	0	 	1,252,209.25	0.0405	6,023.00	20120301	0
	2	360	20120301	1	0	0	 	1,997,092.58	0.0395	9,490.75	20120301	0
	3	360	20120201	1	0	0	 	670,161.63	0.0430	3,325.54	20120301	0
	4	360	20120201	1	0	0	 	692,916.29	0.0435	3,458.80	20120301	0
	5	360	20120301	1	0	0	 	988,672.46	0.0440	4,957.54	20120301	0
	6	360	20120201	1	120	0	 	1,000,000.00	0.0445	3,708.33	20120301	0
	7	360	20120301	1	0	0	 	674,078.36	0.0430	3,340.39	20120301	0
	8	360	20120301	1	0	0	 	2,925,999.43	0.0430	14,499.74	20120301	0
	9	360	20120301	1	0	0	 	953,719.40	0.0440	4,782.27	20120301	0
	10	360	20120201	1	0	0	 	997,189.73	0.0415	4,861.04	20120301	0
	11	360	20120201	1	0	0	 	997,313.20	0.0440	5,007.61	20120301	0
	12	360	20120301	1	0	0	 	998,597.29	0.0415	4,861.04	20120301	0
	13	360	20120101	1	0	0	 	1,494,051.91	0.0450	7,600.28	20120301	0
	14	360	20120201	1	0	0	 	797,831.08	0.0435	3,982.50	20120301	0
	15	360	20120101	1	0	0	 	1,991,629.72	0.0420	9,780.35	20120301	0
	16	360	20120201	1	0	0	 	1,151,924.64	0.0445	5,817.96	20120301	0
	17	360	20120301	1	0	0	 	1,223,297.03	0.0420	5,990.47	20120301	0
	18	360	20120101	1	0	0	 	1,852,215.66	0.0420	9,095.72	20120301	0
	19	360	20120201	1	0	0	 	1,396,305.89	0.0450	7,093.60	20120301	0
	20	360	20120201	1	0	0	 	912,563.69	0.0445	4,609.03	20120301	0
	21	360	20120201	1	0	0	 	877,677.97	0.0450	4,458.84	20120301	0
	22	360	20120101	1	0	0	 	1,152,883.83	0.0435	5,762.67	20120301	0
	23	360	20120201	1	0	0	 	822,783.38	0.0440	4,131.28	20120301	0
	24	360	20120101	1	0	0	 	2,489,814.77	0.0435	12,445.30	20120301	0
	25	360	20120201	1	0	0	 	1,446,104.13	0.0440	7,261.04	20120301	0
	26	360	20120301	1	0	0	 	1,547,845.23	0.0420	7,579.77	20120301	0
	27	360	20120101	1	0	0	 	995,889.14	0.0430	4,948.72	20120301	0
	28	360	20120101	1	0	0	 	1,244,861.43	0.0430	6,185.90	20120301	0
	29	360	20120201	1	0	0	 	711,066.96	0.0435	3,549.40	20120301	0
	30	360	20120201	1	0	0	 	897,559.97	0.0435	4,480.31	20120301	0
	31	360	20120101	1	0	0	 	1,578,307.06	0.0415	7,704.74	20120301	0
	32	360	20120101	1	120	0	 	1,682,328.00	0.0440	6,168.54	20120301	0
	33	360	20120101	1	0	0	 	1,442,153.55	0.0440	7,251.02	20120301	0
	34	360	20120201	1	0	0	 	897,515.69	0.0425	4,427.46	20120301	0


 


	KEY	Index Type	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)
	1	0	 	 	 	 	 	 	 	 	 
	2	0	 	 	 	 	 	 	 	 	 
	3	0	 	 	 	 	 	 	 	 	 
	4	0	 	 	 	 	 	 	 	 	 
	5	0	 	 	 	 	 	 	 	 	 
	6	0	 	 	 	 	 	 	 	 	 
	7	0	 	 	 	 	 	 	 	 	 
	8	0	 	 	 	 	 	 	 	 	 
	9	0	 	 	 	 	 	 	 	 	 
	10	0	 	 	 	 	 	 	 	 	 
	11	0	 	 	 	 	 	 	 	 	 
	12	0	 	 	 	 	 	 	 	 	 
	13	0	 	 	 	 	 	 	 	 	 
	14	0	 	 	 	 	 	 	 	 	 
	15	0	 	 	 	 	 	 	 	 	 
	16	0	 	 	 	 	 	 	 	 	 
	17	0	 	 	 	 	 	 	 	 	 
	18	0	 	 	 	 	 	 	 	 	 
	19	0	 	 	 	 	 	 	 	 	 
	20	0	 	 	 	 	 	 	 	 	 
	21	0	 	 	 	 	 	 	 	 	 
	22	0	 	 	 	 	 	 	 	 	 
	23	0	 	 	 	 	 	 	 	 	 
	24	0	 	 	 	 	 	 	 	 	 
	25	0	 	 	 	 	 	 	 	 	 
	26	0	 	 	 	 	 	 	 	 	 
	27	0	 	 	 	 	 	 	 	 	 
	28	0	 	 	 	 	 	 	 	 	 
	29	0	 	 	 	 	 	 	 	 	 
	30	0	 	 	 	 	 	 	 	 	 
	31	0	 	 	 	 	 	 	 	 	 
	32	0	 	 	 	 	 	 	 	 	 
	33	0	 	 	 	 	 	 	 	 	 
	34	0	 	 	 	 	 	 	 	 	 


 


	KEY	Subsequent Interest
 Rate Cap (Change
 Up)	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
	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	 	 	 	 	 	 	 	 	 	 
	27	 	 	 	 	 	 	 	 	 	 
	28	 	 	 	 	 	 	 	 	 	 
	29	 	 	 	 	 	 	 	 	 	 
	30	 	 	 	 	 	 	 	 	 	 
	31	 	 	 	 	 	 	 	 	 	 
	32	 	 	 	 	 	 	 	 	 	 
	33	 	 	 	 	 	 	 	 	 	 
	34	 	 	 	 	 	 	 	 	 	 


 


	KEY	Initial Minimum
 Payment Reset
 Period	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
	1	 	 	 	 	 	 	99	99	60	 
	2	 	 	 	 	 	 	99	99	60	 
	3	 	 	 	 	 	 	99	99	60	 
	4	 	 	 	 	 	 	99	99	60	 
	5	 	 	 	 	 	 	99	99	60	 
	6	 	 	 	 	 	 	99	99	36	 
	7	 	 	 	 	 	 	99	99	60	 
	8	 	 	 	 	 	 	99	99	60	 
	9	 	 	 	 	 	 	99	99	60	 
	10	 	 	 	 	 	 	99	99	60	 
	11	 	 	 	 	 	 	99	99	60	 
	12	 	 	 	 	 	 	99	99	60	 
	13	 	 	 	 	 	 	99	99	60	 
	14	 	 	 	 	 	 	99	99	60	 
	15	 	 	 	 	 	 	99	99	60	 
	16	 	 	 	 	 	 	99	99	60	 
	17	 	 	 	 	 	 	99	99	60	 
	18	 	 	 	 	 	 	99	99	60	 
	19	 	 	 	 	 	 	 	 	0	 
	20	 	 	 	 	 	 	99	99	60	 
	21	 	 	 	 	 	 	99	99	60	 
	22	 	 	 	 	 	 	99	99	60	 
	23	 	 	 	 	 	 	99	99	60	 
	24	 	 	 	 	 	 	99	99	60	 
	25	 	 	 	 	 	 	99	99	60	 
	26	 	 	 	 	 	 	99	99	60	 
	27	 	 	 	 	 	 	99	99	60	 
	28	 	 	 	 	 	 	99	99	60	 
	29	 	 	 	 	 	 	99	99	60	 
	30	 	 	 	 	 	 	99	99	60	 
	31	 	 	 	 	 	 	99	99	60	 
	32	 	 	 	 	 	 	99	99	60	 
	33	 	 	 	 	 	 	99	99	60	 
	34	 	 	 	 	 	 	99	99	60	 


 


	KEY	Primary Borrower ID	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	329	2	 	1	 	9.00	9.00	0.00	1	 	 
	2	328	1	 	0	 	5.00	2.00	0.00	1	 	 
	3	362	1	 	0	 	7.00	10.00	0.00	1	 	 
	4	345	2	 	0	 	7.00	6.00	0.00	1	 	 
	5	352	1	 	0	 	0.00	36.00	29.00	1	 	 
	6	355	1	 	0	 	6.00	 	0.00	1	 	 
	7	339	2	 	0	 	2.00	6.00	0.00	1	 	 
	8	361	1	 	1	 	27.00	17.00	7.00	1	 	 
	9	351	1	 	1	 	5.00	27.00	5.00	1	 	 
	10	360	1	 	0	 	2.00	4.00	0.00	1	 	 
	11	350	2	 	0	 	6.00	1.00	2.00	1	 	 
	12	331	1	 	0	 	16.00	2.00	6.00	1	 	 
	13	358	2	 	0	 	10.00	8.00	0.00	1	 	 
	14	344	1	 	1	 	25.00	3.00	0.00	1	 	 
	15	335	4	 	1	 	25.00	20.00	0.00	1	 	 
	16	354	3	 	1	 	10.00	10.00	7.00	1	 	 
	17	334	2	 	0	 	11.00	2.00	0.00	1	 	 
	18	333	2	 	1	 	25.00	 	0.00	1	 	 
	19	357	4	 	0	 	20.00	 	6.00	1	 	 
	20	353	3	 	1	 	20.00	 	17.00	1	 	 
	21	356	1	 	1	 	7.00	3.00	27.00	1	 	 
	22	343	5	 	0	 	30.00	 	0.00	1	 	 
	23	349	1	 	0	 	1.00	 	0.00	1	 	 
	24	342	1	 	1	 	14.00	 	4.00	1	 	 
	25	348	2	 	1	 	40.00	 	3.00	1	 	 
	26	332	1	 	0	 	1.00	1.00	7.00	1	 	 
	27	338	2	 	1	 	0.00	2.00	9.00	1	 	 
	28	337	1	 	0	 	8.00	 	8.00	1	 	 
	29	341	8	 	1	 	15.00	 	2.00	1	 	 
	30	340	2	 	0	 	19.00	 	3.00	1	 	 
	31	330	1	 	0	 	13.00	5.00	6.00	1	 	 
	32	347	1	 	0	 	9.00	6.00	2.50	1	 	 
	33	346	1	 	1	 	7.00	7.00	13.00	1	 	 
	34	336	1	 	0	 	14.00	 	0.00	1	 	 


 


	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	 	 	 	 	 	792	 	 	 	 
	2	 	 	 	 	 	732	 	 	 	 
	3	 	 	 	 	 	760	 	 	 	 
	4	 	 	 	 	 	728	 	 	 	 
	5	 	 	 	 	 	701	 	 	 	 
	6	 	 	 	 	 	776	 	 	 	 
	7	 	 	 	 	 	788	 	 	 	 
	8	 	 	 	 	 	751	 	 	 	 
	9	 	 	 	 	 	790	 	 	 	 
	10	 	 	 	 	 	785	 	 	 	 
	11	 	 	 	 	 	753	 	 	 	 
	12	 	 	 	 	 	732	 	 	 	 
	13	 	 	 	 	 	811	 	 	 	 
	14	 	 	 	 	 	779	 	 	 	 
	15	 	 	 	 	 	783	 	 	 	 
	16	 	 	 	 	 	786	 	 	 	 
	17	 	 	 	 	 	767	 	 	 	 
	18	 	 	 	 	 	792	 	 	 	 
	19	 	 	 	 	 	804	 	 	 	 
	20	 	 	 	 	 	772	 	 	 	 
	21	 	 	 	 	 	778	 	 	 	 
	22	 	 	 	 	 	785	 	 	 	 
	23	 	 	 	 	 	718	 	 	 	 
	24	 	 	 	 	 	741	 	 	 	 
	25	 	 	 	 	 	785	 	 	 	 
	26	 	 	 	 	 	776	 	 	 	 
	27	 	 	 	 	 	793	 	 	 	 
	28	 	 	 	 	 	778	 	 	 	 
	29	 	 	 	 	 	689	 	 	 	 
	30	 	 	 	 	 	770	 	 	 	 
	31	 	 	 	 	 	792	 	 	 	 
	32	 	 	 	 	 	720	 	 	 	 
	33	 	 	 	 	 	769	 	 	 	 
	34	 	 	 	 	 	795	 	 	 	 


 


	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	 	 


 


	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	19,305.56	12,916.67	23,145.67	0.00	32,222.23	55,367.90	0	4	 	2
	2	15,171.00	18,083.33	13,303.00	0.00	33,254.33	46,557.33	0	5	 	2
	3	14,447.00	5,521.00	0.00	0.00	19,968.00	19,968.00	1	5	 	3
	4	8,166.67	5,543.59	3,134.34	0.00	13,710.26	16,844.60	0	5	 	2
	5	0.00	0.00	0.00	41,947.12	0.00	41,947.12	0	5	 	2
	6	8,833.35	 	6,325.00	 	8,833.35	15,158.35	0	5	 	2
	7	6,813.00	6,667.00	0.00	0.00	13,480.00	13,480.00	1	5	 	3
	8	83,133.00	 	4,909.00	 	83,133.00	88,042.00	1	5	 	3
	9	3,770.00	0.00	0.00	14,829.28	3,770.00	18,599.28	0	4	 	2
	10	15,423.00	17,448.00	-4,012.00	0.00	32,871.00	28,859.00	1	5	 	3
	11	36,472.00	2,184.48	5,712.38	0.00	38,656.48	44,368.86	0	5	 	2
	12	20,833.34	16,666.67	-6,000.00	29,166.67	37,500.01	60,666.68	0	5	 	2
	13	23,983.00	16,608.32	3,906.00	4,750.00	40,591.32	49,247.32	0	5	 	2
	14	12,500.00	5,785.07	-221.91	386.92	18,285.07	18,450.08	0	4	 	2
	15	86,395.83	0.00	58,649.20	89,087.87	86,395.83	234,132.90	0	4	 	2
	16	10,083.34	 	30,400.75	 	10,083.34	40,484.09	0	4	 	2
	17	40,371.00	1,076.00	-1,832.00	0.00	41,447.00	39,615.00	1	5	 	3
	18	0.00	 	41,857.94	 	0.00	41,857.94	0	4	 	2
	19	0.00	 	205,764.75	 	0.00	205,764.75	0	5	 	2
	20	11,784.00	 	22,506.12	 	11,784.00	34,290.12	0	4	 	2
	21	0.00	 	70,225.25	 	0.00	70,225.25	0	4	 	2
	22	3,291.88	 	133,636.58	 	3,291.88	136,928.46	0	5	 	2
	23	17,656.25	 	0.00	 	17,656.25	17,656.25	0	5	 	2
	24	0.00	 	65,239.00	 	0.00	65,239.00	0	4	 	2
	25	50,000.00	 	5,615.00	 	50,000.00	55,615.00	0	4	 	2
	26	30,000.00	17,628.00	0.00	0.00	47,628.00	47,628.00	1	5	 	2
	27	0.00	0.00	-3,860.00	33,480.31	0.00	29,620.31	0	4	 	2
	28	34,666.67	 	5,570.81	 	34,666.67	40,237.48	0	5	 	2
	29	0.00	 	30,875.42	 	0.00	30,875.42	0	4	 	2
	30	0.00	5,500.00	0.00	58,024.42	5,500.00	63,524.42	0	5	 	2
	31	19,026.00	22,679.00	0.00	0.00	41,705.00	41,705.00	1	5	 	3
	32	78,747.12	21,140.50	0.00	0.00	99,887.62	99,887.62	0	5	 	2
	33	18,145.00	22,044.00	-6,126.00	0.00	40,189.00	34,063.00	1	4	 	3
	34	67,624.00	 	0.00	 	67,624.00	67,624.00	1	5	 	3


 


	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
	1	 	4	 	418,885.96	12,703.78	0.2294	 	 	100.00
	2	 	4	 	422,962.17	16,598.43	0.3565	 	 	100.00
	3	 	4	 	347,689.78	4,592.54	0.2300	 	 	100.00
	4	 	4	 	306,970.95	6,816.62	0.4047	 	 	100.00
	5	 	4	 	11,887,669.00	9,960.51	0.2375	 	 	 
	6	 	4	 	3,087,852.00	6,374.86	0.4206	 	 	100.00
	7	 	3	 	390,827.72	5,925.17	0.4396	 	 	100.00
	8	 	4	 	2,688,944.45	30,796.65	0.3498	 	 	 
	9	 	4	 	639,454.99	7,241.48	0.3893	 	 	 
	10	 	3	 	257,875.51	9,960.63	0.3451	 	 	100.00
	11	 	4	 	105,950.91	9,253.53	0.2086	 	 	 
	12	 	4	 	258,573.75	12,521.54	0.2064	 	 	 
	13	 	4	 	4,410,543.44	18,654.20	0.3788	 	 	100.00
	14	 	4	 	401,708.95	7,720.21	0.4184	 	 	100.00
	15	 	4	 	26,135,842.01	38,800.50	0.1657	 	 	100.00
	16	 	4	 	437,307.98	12,545.98	0.3099	 	 	 
	17	 	4	 	1,135,368.58	11,018.83	0.2781	 	 	100.00
	18	 	4	 	449,942.73	16,920.82	0.4042	 	 	100.00
	19	 	4	 	331,250.57	22,059.42	0.1072	 	 	 
	20	 	4	 	10,902,433.37	10,895.14	0.3177	 	 	 
	21	 	4	 	122,067.31	12,635.14	0.1799	 	 	 
	22	 	4	 	3,033,544.72	24,780.35	0.1810	 	 	100.00
	23	 	4	 	291,332.75	5,921.02	0.3354	 	 	100.00
	24	 	4	 	2,693,820.00	21,488.49	0.3294	 	 	 
	25	 	4	 	2,352,233.00	10,278.49	0.1848	 	 	 
	26	 	4	 	1,014,288.30	13,411.52	0.2816	 	 	 
	27	 	4	 	6,771,237.21	10,064.03	0.3398	 	 	 
	28	 	4	 	207,306.94	13,070.30	0.3248	 	 	 
	29	 	4	 	2,079,286.00	14,107.47	0.4569	 	 	 
	30	 	4	 	1,329,709.46	16,963.12	0.2670	 	 	 
	31	 	4	 	731,989.00	11,428.75	0.2740	 	 	 
	32	 	4	 	1,307,577.92	9,236.51	0.0925	 	 	 
	33	 	4	 	284,957.03	13,676.64	0.4015	 	 	 
	34	 	4	 	1,019,977.84	7,316.51	0.1082	 	 	100.00


 


	KEY	City	State	Postal Code	Property Type	Occupancy	Sales Price	Original Appraised
 Property Value	Original Property
 Valuation Type	Original Property
 Valuation Date
	1	SAN FRANCISCO	CA	94105	4	2	2,004,000.00	2,004,000.00	3	20120105
	2	WESTON	MA	02493	1	1	2,905,750.00	2,910,000.00	3	20120103
	3	SAN FRANCISCO	CA	94131	1	1	870,000.00	840,000.00	3	20111209
	4	CHARLESTOWN	MA	02129	4	1	868,500.00	870,000.00	3	20111213
	5	MONTE SERENO	CA	95030	1	1	 	2,500,000.00	3	20111214
	6	SAN FRANCISCO	CA	94118	4	1	1,540,000.00	1,540,000.00	3	20111130
	7	SANTA BARBARA	CA	93103	1	1	1,175,000.00	1,175,000.00	3	20111205
	8	SAN FRANCISCO	CA	94109	1	1	 	7,100,000.00	3	20111212
	9	SAN FRANCISCO	CA	94117	4	1	 	1,200,000.00	3	20111212
	10	NEWTON	MA	02458	1	1	1,325,000.00	1,325,000.00	3	20111128
	11	LOS GATOS	CA	95030	1	1	 	1,530,000.00	3	20111207
	12	EAST HAMPTON	NY	11937	1	2	 	2,000,000.00	3	20111214
	13	PALO ALTO	CA	94301	1	1	3,440,000.00	3,440,000.00	3	20111101
	14	SONOMA	CA	95476	1	1	1,281,083.00	1,300,000.00	3	20111102
	15	LOS ANGELES	CA	90077	1	1	3,550,000.00	3,550,000.00	3	20111031
	16	LOS ALTOS HILLS	CA	94022	1	1	 	2,500,000.00	3	20111115
	17	NEW YORK	NY	10024	2	1	2,775,000.00	2,775,000.00	3	20111104
	18	LOS ALTOS	CA	94024	1	1	2,325,000.00	2,325,000.00	3	20111028
	19	DEL MAR	CA	92014	1	1	 	2,700,000.00	3	20111024
	20	LOS ANGELES	CA	90291	13	3	 	1,525,000.00	3	20111104
	21	BEVERLY HILLS	CA	90212	1	1	 	3,350,000.00	3	20111102
	22	LAGUNA BEACH	CA	92651	1	1	1,447,000.00	1,447,000.00	3	20111031
	23	NEW YORK	NY	10026	4	1	1,401,000.00	1,401,000.00	3	20111024
	24	WESTON	MA	02493	1	1	 	6,500,000.00	3	20110914
	25	ST HELENA	CA	94574	1	1	 	2,600,000.00	3	20111130
	26	SAN FRANCISCO	CA	94121	1	1	 	2,425,000.00	3	20111214
	27	GLEN ELLEN	CA	95442	1	1	 	5,200,000.00	3	20111017
	28	LOS ANGELES  SHERMAN OAKS	CA	91423	1	1	 	2,300,000.00	3	20111028
	29	LOS ANGELES	CA	90291	13	1	 	1,805,000.00	3	20111006
	30	SAN JOSE	CA	95138	6	1	 	3,300,000.00	3	20111004
	31	LOS ALTOS	CA	94024	1	1	 	2,975,000.00	3	20110926
	32	NEW YORK	NY	10013	2	1	 	3,300,000.00	3	20110926
	33	LOS ANGELES	CA	91436	1	1	 	2,000,000.00	3	20110908
	34	NEW YORK	NY	10065	2	1	1,218,000.00	1,400,000.00	3	20110908


 


	KEY	Original Automated
 Valuation Model
 (AVM) Model Name	Original AVM
 Confidence Score	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
	1	 	 	 	 	 	 	 	0.6821	0.6258	0
	2	 	 	 	 	 	 	 	0.7499	0.6883	0
	3	 	 	 	 	 	 	 	0.8000	0.8000	0
	4	 	 	 	 	 	 	 	0.8000	0.8000	0
	5	 	 	 	 	 	 	 	0.3960	0.3960	0
	6	 	 	 	 	 	 	 	0.6494	0.6494	0
	7	 	 	 	 	 	 	 	0.5745	0.5745	0
	8	 	 	 	 	 	 	 	0.4127	0.4127	0
	9	 	 	 	 	 	 	 	0.7958	0.7958	0
	10	 	 	 	 	 	 	 	0.8000	0.7547	0
	11	 	 	 	 	 	 	 	0.7000	0.6536	0
	12	 	 	 	 	 	 	 	0.5750	0.5000	0
	13	 	 	 	 	 	 	 	0.7267	0.4361	0
	14	 	 	 	 	 	 	 	0.6245	0.6245	0
	15	 	 	 	 	 	 	 	0.6500	0.5634	0
	16	 	 	 	 	 	 	 	0.6620	0.4620	0
	17	 	 	 	 	 	 	 	0.4414	0.4414	0
	18	 	 	 	 	 	 	 	0.8000	0.8000	0
	19	 	 	 	 	 	 	 	0.5185	0.5185	0
	20	 	 	 	 	 	 	 	0.6000	0.6000	0
	21	 	 	 	 	 	 	 	0.6209	0.2627	0
	22	 	 	 	 	 	 	 	0.8000	0.8000	0
	23	 	 	 	 	 	 	 	0.5889	0.5889	0
	24	 	 	 	 	 	 	 	0.4615	0.3846	0
	25	 	 	 	 	 	 	 	0.5577	0.5577	0
	26	 	 	 	 	 	 	 	0.6392	0.6392	0
	27	 	 	 	 	 	 	 	0.1923	0.1923	0
	28	 	 	 	 	 	 	 	0.7609	0.5435	0
	29	 	 	 	 	 	 	 	0.6909	0.3950	0
	30	 	 	 	 	 	 	 	0.6500	0.2727	0
	31	 	 	 	 	 	 	 	0.5328	0.5328	0
	32	 	 	 	 	 	 	 	0.5098	0.5098	0
	33	 	 	 	 	 	 	 	0.7240	0.7240	0
	34	 	 	 	 	 	 	 	0.7389	0.7389	0


 


	KEY	Mortgage Insurance
 Company Name	Mortgage Insurance
 Percent	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
	1	0	0	 	 	 	 	 	 	 	 	 
	2	0	0	 	 	 	 	 	 	 	 	 
	3	0	0	 	 	 	 	 	 	 	 	 
	4	0	0	 	 	 	 	 	 	 	 	 
	5	0	0	 	 	 	 	 	 	 	 	 
	6	0	0	 	 	 	 	 	 	 	 	 
	7	0	0	 	 	 	 	 	 	 	 	 
	8	0	0	 	 	 	 	 	 	 	 	 
	9	0	0	 	 	 	 	 	 	 	 	 
	10	0	0	 	 	 	 	 	 	 	 	 
	11	0	0	 	 	 	 	 	 	 	 	 
	12	0	0	 	 	 	 	 	 	 	 	 
	13	0	0	 	 	 	 	 	 	 	 	 
	14	0	0	 	 	 	 	 	 	 	 	 
	15	0	0	 	 	 	 	 	 	 	 	 
	16	0	0	 	 	 	 	 	 	 	 	 
	17	0	0	 	 	 	 	 	 	 	 	 
	18	0	0	 	 	 	 	 	 	 	 	 
	19	0	0	 	 	 	 	 	 	 	 	 
	20	0	0	 	 	 	 	 	 	 	 	 
	21	0	0	 	 	 	 	 	 	 	 	 
	22	0	0	 	 	 	 	 	 	 	 	 
	23	0	0	 	 	 	 	 	 	 	 	 
	24	0	0	 	 	 	 	 	 	 	 	 
	25	0	0	 	 	 	 	 	 	 	 	 
	26	0	0	 	 	 	 	 	 	 	 	 
	27	0	0	 	 	 	 	 	 	 	 	 
	28	0	0	 	 	 	 	 	 	 	 	 
	29	0	0	 	 	 	 	 	 	 	 	 
	30	0	0	 	 	 	 	 	 	 	 	 
	31	0	0	 	 	 	 	 	 	 	 	 
	32	0	0	 	 	 	 	 	 	 	 	 
	33	0	0	 	 	 	 	 	 	 	 	 
	34	0	0	 	 	 	 	 	 	 	 	 


 


	KEY	Pre-Modification
 Interest (Note) Rate	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
	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	 	 	 	 	 	 	 	 
	27	 	 	 	 	 	 	 	 
	28	 	 	 	 	 	 	 	 
	29	 	 	 	 	 	 	 	 
	30	 	 	 	 	 	 	 	 
	31	 	 	 	 	 	 	 	 
	32	 	 	 	 	 	 	 	 
	33	 	 	 	 	 	 	 	 
	34	 	 	 	 	 	 	 	 


 


	Number of
 Modifications	Cash To/From Brrw at Closing	Brrw - Yrs at in Industry	CoBrrw - Yrs at in Industry	Junior Mortgage Drawn Amount	Maturity Date	Primary Borrower Wage Income (Salary)	Primary Borrower Wage Income (Bonus)
	 	 	16.00	12.00	0.00	20420201	19,305.56	19,305.56
	 	 	1.00	 	0.00	20420201	15,171.00	13,303.00
	 	 	23.00	12.00	0.00	20420101	14,447.00	0.00
	 	 	19.00	14.00	0.00	20420101	8,166.67	0.00
	 	 	1.00	36.00	0.00	20420201	0.00	0.00
	 	 	17.00	 	0.00	20420101	8,833.35	0.00
	 	 	28.00	32.00	0.00	20420201	6,813.00	0.00
	 	 	27.00	17.00	0.00	20420201	83,133.00	0.00
	 	 	34.00	34.00	0.00	20420201	3,770.00	0.00
	 	 	2.00	4.00	60,000.00	20420101	15,423.00	0.00
	 	 	15.00	18.00	0.00	20420101	36,472.00	6,199.38
	 	 	16.00	15.00	0.00	20420201	20,833.34	0.00
	 	 	12.00	8.00	0.00	20411201	23,983.00	7,813.00
	 	 	25.00	26.00	0.00	20420101	12,500.00	0.00
	 	 	25.00	20.00	0.00	20411201	86,395.83	0.00
	 	 	30.00	30.00	0.00	20420101	10,083.34	0.00
	 	 	22.00	7.00	0.00	20420201	40,371.00	0.00
	 	 	25.00	 	0.00	20411201	0.00	0.00
	 	 	27.00	 	0.00	20420101	0.00	0.00
	 	 	20.00	 	0.00	20420101	11,784.00	0.00
	 	 	20.00	3.00	0.00	20420101	0.00	0.00
	 	 	30.00	 	0.00	20411201	3,291.88	0.00
	 	 	16.00	 	0.00	20420101	17,656.25	0.00
	 	 	1.00	 	0.00	20411201	0.00	0.00
	 	 	40.00	 	0.00	20420101	50,000.00	0.00
	 	 	10.00	14.00	0.00	20420201	30,000.00	0.00
	 	 	2.00	2.00	0.00	20411201	0.00	0.00
	 	 	17.00	 	0.00	20411201	34,666.67	5,570.81
	 	 	17.00	 	0.00	20420101	0.00	0.00
	 	 	19.00	 	0.00	20420101	0.00	0.00
	 	 	20.00	10.00	0.00	20411201	19,026.00	0.00
	 	 	16.00	14.00	0.00	20411201	78,747.12	0.00
	 	 	7.00	7.00	0.00	20411201	18,145.00	0.00
	 	 	15.00	 	0.00	20420101	67,624.00	0.00


 


	KEY	Primary Borrower Wage Income (Commission)	Co-Borrower Wage Income (Salary)	Co-Borrower Wage Income (Bonus)	Co-Borrower Wage Income (Commission)	Originator Doc Code	RWT Income Verification	RWT Asset Verification
	1	0.00	12,916.67	0.00	0.00	Full	2 years	2 Months
	2	0.00	18,083.33	0.00	0.00	Full	2 years	2 Months
	3	0.00	5,521.00	0.00	0.00	Full	2 years	2 Months
	4	0.00	5,543.59	0.00	0.00	Full	2 years	2 Months
	5	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	6	0.00	 	 	 	Full	2 years	2 Months
	7	0.00	6,667.00	0.00	0.00	Full	2 years	1 Month
	8	0.00	 	 	 	Full	2 years	2 Months
	9	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	10	0.00	17,448.00	0.00	0.00	Full	2 years	1 Month
	11	0.00	2,184.48	0.00	0.00	Full	2 years	2 Months
	12	0.00	16,666.67	29,166.67	0.00	Full	2 years	2 Months
	13	0.00	16,608.32	4,750.00	0.00	Full	2 years	2 Months
	14	0.00	5,785.07	0.00	0.00	Full	2 years	2 Months
	15	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	16	0.00	 	 	 	Full	2 years	2 Months
	17	0.00	1,076.00	0.00	0.00	Full	2 years	2 Months
	18	0.00	 	 	 	Full	2 years	2 Months
	19	0.00	 	 	 	Full	2 years	2 Months
	20	0.00	 	 	 	Full	2 years	2 Months
	21	0.00	 	 	 	Full	2 years	2 Months
	22	0.00	 	 	 	Full	2 years	2 Months
	23	0.00	 	 	 	Full	2 years	2 Months
	24	0.00	 	 	 	Full	2 years	2 Months
	25	0.00	 	 	 	Full	2 years	2 Months
	26	0.00	17,628.00	0.00	0.00	Full	2 years	2 Months
	27	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	28	0.00	 	 	 	Full	2 years	2 Months
	29	0.00	 	 	 	Full	2 years	2 Months
	30	0.00	5,500.00	0.00	0.00	Full	2 years	2 Months
	31	0.00	22,679.00	0.00	0.00	Full	2 years	2 Months
	32	0.00	21,140.50	0.00	0.00	Full	2 years	2 Months
	33	0.00	22,044.00	0.00	0.00	Full	2 years	2 Months
	34	0.00	 	 	 	Full	2 years	2 Months


 



    	 



    	 



    

  



ASF RMBS DISCLOSURE PACKAGE
















	
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

	
For “Cash-out” loans (see Glossary):


 


[NEW LOAN AMOUNT] – [PAID-OFF FIRST MORTGAGE LOAN AMOUNT] – [PAID-OFF SECOND MORTGAGE LOAN AMOUNT (if Second was used to purchase the property)] – [CLOSING COSTS].

	
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


AND the most senior lien is a hybrid ARM (see Field 20)

	
>= 0

	  	  
	
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**)


*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)

	
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)


 

	  
	
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**)


*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)

	
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)


 

	  
	
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.

	
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.

	
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

	  	  
	
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

	  






    	 



    	 



    

  


ATTACHMENT 2A


   


SALE AND SERVICING AGREEMENT


 


Refer to Exhibit 10.3


 


 


 


 


 






    	29



    	 



    
 


ATTACHMENT 2B


 


PURCHASE AGREEMENT


 


Refer to Exhibit 10.4


 


 


 






    	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 January 1, 2012, among U.S. Bank National Association, 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
	LOSS_MIT_ACT_COMP_DATE	THE DATE THE LOSS MITIGATION IS ACTUALLY COMPLETED	 	MM/DD/YYYY


 


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	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
	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


 


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	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


 


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Trust Services


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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