EXHIBIT 10.12


 


ASSIGNMENT OF REPRESENTATIONS AND WARRANTIES
AGREEMENT


 


This is an Assignment
of Representations and Warranties Agreement (the “Agreement”) made as of the 1st day of March, 2013, among
Redwood Residential Acquisition Corporation, a Delaware corporation (“Assignor”), Sequoia Residential Funding, Inc.,
a Delaware corporation (“Depositor”), Christiana Trust, a division of Wilmington Savings Fund Society, FSB, a federal
savings bank, not in its individual capacity but solely as trustee (in such capacity, the “Trustee” or the “Assignee”)
under a Pooling and Servicing Agreement dated as of February 1, 2013 (the “Pooling and Servicing Agreement”), and Flagstar
Capital Markets Corporation, a Delaware corporation (“Flagstar”).


 


In consideration of
the mutual promises contained herein, the parties hereto agree that the mortgage loans (the “Mortgage Loans”) listed
on Attachment 1 annexed hereto (the “Mortgage Loan Schedule”) are subject to the terms of the Flow Mortgage Loan Purchase
and Sale Agreement dated as of May 23, 2011, between Assignor and Flagstar (the “Purchase 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 Purchase 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 


 


1.           Assignor hereby grants, transfers
and assigns to Depositor all of its right, title and interest in, to and under the representations and warranties made by Flagstar
pursuant to the Purchase Agreement to the extent relating to the Mortgage Loans, and Depositor hereby accepts such assignment from
Assignor.


 


2.           Depositor hereby grants, transfers
and assigns to Assignee all of its right, title and interest in, to and under the representations and warranties made by Flagstar
pursuant to the Purchase Agreement to the extent relating to the Mortgage Loans, Depositor is released from all obligations under
the Purchase Agreement and Assignee hereby accepts such assignment from Depositor.


 


3.           Flagstar hereby acknowledges
the foregoing assignments.


 


Representations and Warranties


 


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


 




    	 



    	 



    

 


(a)           Attached hereto as Attachment
2 is a true and accurate copy of the Purchase Agreement, 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 and rights under the Purchase Agreement to the extent of the Mortgage Loans, free and clear from any and all claims
and encumbrances whatsoever, and upon the transfer of the representations and warranties to Assignee as contemplated herein, Assignee
shall have good title to such representations and warranties under the Purchase Agreement to the extent of the Mortgage Loans,
free and clear of all liens, claims and encumbrances;


 


(c)           There are no offsets, counterclaims
or other defenses available to Flagstar with respect to 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 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 Assignee, 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.


 


5.           Depositor warrants and represents
to, and covenants with, Assignor, Assignee and Flagstar 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;


 




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(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.


 


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


 


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


 


(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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7.           Flagstar warrants and represents
to, and covenants with, Assignor, Depositor and Assignee as of the date hereof that:


 


(a)           Attached hereto as Attachment
2 is a true and accurate copy of the Purchase Agreement, 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)           Flagstar 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 perform its obligations under the Purchase Agreement;


 


(c)           Flagstar 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 Flagstar’s
business and will not conflict with, or result in a breach of, any of the terms, conditions or provisions of Flagstar’s charter
or by-laws or any legal restriction, or any material agreement or instrument to which Flagstar 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 Flagstar or its property is
subject. The execution, delivery and performance by Flagstar 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 Flagstar. This Agreement has been duly executed
and delivered by Flagstar and, upon the due authorization, execution and delivery by Assignor, Assignee and the Depositor, will
constitute the valid and legally binding obligation of Flagstar enforceable against Flagstar 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
Flagstar in connection with the execution, delivery or performance by Flagstar of this Agreement, or the consummation by it of
the transactions contemplated hereby.


 


Restated Flagstar Representations and
Warranties


 


8.           Pursuant to Section 32(d) of
the Purchase Agreement, Flagstar hereby restates to Depositor and Assignee (a) the representations and warranties set forth in
Subsection 7.01 of the Purchase Agreement as of the related Closing Date and (b) the representations and warranties set forth
in Subsection 7.02 of the Purchase Agreement as of the date hereof, as if such representations and warranties were set forth herein
in full.


 




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In the event of a breach
of any representations and warranties referred to in clauses (a) or (b) above as of the related Closing Date or the date hereof,
as the case may be, Assignee shall be entitled to all the remedies under the Purchase Agreement, including, without limitation,
the right to compel Flagstar to repurchase Mortgage Loans pursuant to Section 7.03 of the Purchase Agreement, subject to the provisions
of Section 10.


 


Recognition of Assignee


 


9.           From and after the date hereof,
subject to Section 10 below, Flagstar shall recognize Assignee as owner of the Mortgage Loans and will perform its obligations
hereunder for the benefit of the Assignee in accordance with the Purchase Agreement, as modified hereby or as may be amended from
time to time, as if Assignee and Flagstar had entered into a separate purchase agreement for the purchase of the Mortgage Loans
in the form of the Purchase Agreement, the terms of which are incorporated herein by reference, as amended by this Agreement.


 


 


Enforcement of Rights 


 


10.           (a)           Controlling
Holder Rights. Flagstar 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 exercise all of Assignee's rights as Purchaser under the following section of the Purchase Agreement:


 





	Purchase Agreement:	 
	 	 
	Section or Subsection	Matter
	 	 
	7.03, other than 7.03(c)	Repurchase and Substitution


 


(b)           If there is no Controlling Holder
under the Pooling and Servicing Agreement, then all rights that are to be exercised by the Controlling Holder pursuant to Section
10(a) shall be exercised by Assignee.


 


Amendments to Purchase Agreement


 


11.           The parties agree that the Purchase
Agreement shall be amended, solely with respect to the Mortgage Loans, as follows:


 




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(a)           Definitions.


 


(i)           The definitions of “Arbitration,”
“Business Day” and “Repurchase Price” set forth in Section 1 of the Purchase Agreement shall be deleted
and replaced in their entirety as follows:


 


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 New York, New York or other place mutually acceptable to the
parties to the arbitration.


 


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


 


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 Interest 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 for future distribution in connection with such Mortgage Loan.


 


(b)           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.


 


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


 


Miscellaneous


 


12.           All demands, notices and communications
related to the Mortgage Loans, the Purchase 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:


 




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(a)           In the case of Flagstar,


 


Flagstar Capital Markets Corporation


5151 Corporate Drive


Troy, Michigan 48098


Attention : Product Development
Department


 





with a copy to


 


Legal Department at the same address


 


(b)           In the case of Assignee,


 


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


500 Delaware Avenue,
11th Floor


Wilmington, Delaware,
19801


Attention: Corporate
Trust - Sequoia Mortgage Trust 2013-3


 


(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 2013-3


 




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(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


 


13.           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.


 


14.           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.


 


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


 


16.           This Agreement shall survive
the conveyance of the Mortgage Loans, the assignment of the representations and warranties made by Flagstar pursuant to the Purchase
Agreement to the extent of the Mortgage Loans by Assignor to Depositor and by Depositor to Assignee, and the termination of the
Purchase Agreement.


 


17.           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.


 


18.            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. Flagstar hereby
consents to such exercise and enforcement.


 




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


 


20.           Master Servicer. Flagstar
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 Flagstar hereunder and under the Purchase Agreement and the right to exercise the remedies
of the Purchaser hereunder and under the Purchase Agreement.


 


Flagstar 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 #39153400, Sequoia
Mortgage Trust 2013-3 Distribution Account


 


21.           Flagstar acknowledges that the
custodian will be Wells Fargo Bank, N.A. acting pursuant to the Custodial Agreement. Notwithstanding Section 10 of the Purchase
Agreement, Flagstar 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 Purchase Agreement.


 




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22.           Rule 17g-5 Compliance.
Flagstar hereby agrees that it shall provide information with respect to the Mortgage Loans or the origination 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 2013-3” and an identification of the type of information being provided in the body
of such electronic mail. The Securities Administrator, as the initial Rule 17g-5 Information Provider (the “Rule 17g-5 Information
Provider”) shall notify Flagstar in writing of any change in the identity or contact information of the Rule 17g-5 Information
Provider. Flagstar 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 22 prohibit or restrict oral or written communications,
or providing information, between Flagstar, 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 Flagstar or (ii) such Rating Agency’s
or NRSRO’s evaluation of Flagstar’s operations in general; provided, however, that Flagstar 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.


 




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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:	 	 
	 	 	 
	 	Christiana Trust, a division of Wilmington Savings Fund
    Society, FSB, not in its individual capacity but solely as Trustee, Assignee
	 		 
	 	By:	 	 
	 	Name:	 	 
	 	Title:	 	 
	 	 	 
	 	FLAGSTAR CAPITAL MARKETS CORPORATION	 
	 	 	 
	 	By:	 	 
	 	Name:	 	 
	 	Title:	 	 


 


Accepted and agreed to by:


 


	WELLS FARGO BANK, N.A.	 
	Master Servicer	 
	 	 
	By:	 	 
	Name:	 	 
	Title:	 	 


 


Signature Page – Assignment of Representations and Warranties – Flagstar Capital (SEMT 2013-3)


 









    	 



    	 	



    
 


ATTACHMENT 1


 


MORTGAGE LOAN SCHEDULE


 





	 	1	2	3	4	5	6	7	8
	 	Primary Servicer	Servicing Fee %	Servicing Fee—Flatdollar	Servicing Advance Methodology	Originator	Originator Name	Loan Number	Amortization Type
	1	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503620526	1
	2	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503635382	1
	3	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503659350	1
	4	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503667712	1
	5	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503705258	1
	6	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503711334	1
	7	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503712401	1
	8	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503716390	1
	9	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503719031	1
	10	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503721624	1
	11	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503722111	1
	12	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503725963	1
	13	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503728136	1
	14	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503729057	1
	15	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503730269	1
	16	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503733300	1
	17	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503733454	1
	18	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503734387	1
	19	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503734541	1
	20	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503735054	1
	21	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503739374	1
	22	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503743344	1
	23	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503745270	1
	24	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503751017	1
	25	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503759759	1
	26	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503761587	1
	27	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503563132	1
	28	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503609425	1
	29	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503653872	1
	30	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503659064	1
	31	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503677289	1
	32	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503691845	1
	33	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503712122	1
	34	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503718172	1
	35	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503720529	1
	36	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503728097	1
	37	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503732736	1
	38	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503740725	1
	39	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503748823	1
	40	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503753317	1
	41	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503758527	1
	42	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503763588	1
	43	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503764889	1
	44	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503771084	1
	45	1000383	0.002500	 	 	1008498	Flagstar Bank, F.S.B.	503771755	1







 





	 	9	10	11	12	13	14	15	16	17	18	19
	 	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	Escrow Indicator	Senior Loan
 Amount(s)
	1	1	0	9	 	 	 	 	 	2	0	0
	2	1	0	9	 	 	 	 	 	1	0	0
	3	1	0	9	 	 	 	 	 	2	0	0
	4	1	0	9	 	 	 	 	 	5	4	0
	5	1	0	7	 	 	 	 	 	1	1	0
	6	1	0	7	 	 	 	 	 	2	4	0
	7	1	0	9	 	 	 	 	 	2	4	0
	8	1	0	9	 	 	 	 	 	5	0	0
	9	1	0	9	 	 	 	 	 	5	4	0
	10	1	0	9	 	 	 	 	 	2	0	0
	11	1	0	9	 	 	 	 	 	2	4	0
	12	1	0	9	 	 	 	 	 	2	4	0
	13	1	0	7	 	 	 	 	 	2	0	0
	14	1	0	9	 	 	 	 	 	2	4	0
	15	1	0	7	 	 	 	 	 	2	4	0
	16	1	0	9	 	 	 	 	 	5	0	0
	17	1	0	9	 	 	 	 	 	5	0	0
	18	1	0	7	 	 	 	 	 	2	0	0
	19	1	0	9	 	 	 	 	 	5	0	0
	20	1	0	9	 	 	 	 	 	2	0	0
	21	1	0	3	 	 	 	 	 	2	0	0
	22	1	0	7	 	 	 	 	 	5	4	0
	23	1	0	7	 	 	 	 	 	2	4	0
	24	1	0	9	 	 	 	 	 	5	0	0
	25	1	0	7	 	 	 	 	 	2	4	0
	26	1	0	7	 	 	 	 	 	2	0	0
	27	1	0	9	 	 	 	 	 	1	0	0
	28	1	0	3	 	 	 	 	 	5	0	0
	29	1	0	9	 	 	 	 	 	5	0	0
	30	1	0	9	 	 	 	 	 	2	4	0
	31	1	0	9	 	 	 	 	 	5	0	0
	32	1	0	9	 	 	 	 	 	5	0	0
	33	1	0	3	 	 	 	 	 	5	4	0
	34	1	0	9	 	 	 	 	 	5	0	0
	35	1	0	9	 	 	 	 	 	2	0	0
	36	1	0	9	 	 	 	 	 	1	0	0
	37	1	0	9	 	 	 	 	 	5	0	0
	38	1	0	9	 	 	 	 	 	2	0	0
	39	1	0	7	 	 	 	 	 	2	4	0
	40	1	0	9	 	 	 	 	 	2	4	0
	41	1	0	3	 	 	 	 	 	5	0	0
	42	1	0	3	 	 	 	 	 	2	1	0
	43	1	0	9	 	 	 	 	 	5	4	0
	44	1	0	7	 	 	 	 	 	5	0	0
	45	1	0	9	 	 	 	 	 	5	0	0







 





	 	20	21	22	23	24	25	26	27	28	29	30
	 	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
	1	 	 	 	0.00	 	20121115	708750.00	0.040000	360	360	20130101
	2	 	 	 	100000.00	 	20121213	764650.00	0.036250	360	360	20130201
	3	 	 	 	37500.00	 	20121211	579000.00	0.040000	360	360	20130201
	4	 	 	 	0.00	 	20121203	1078000.00	0.040000	360	360	20130201
	5	 	 	 	0.00	 	20121205	2000000.00	0.037500	360	360	20130101
	6	 	 	 	0.00	 	20121207	999000.00	0.042500	360	360	20130201
	7	 	 	 	0.00	 	20121215	650000.00	0.038750	360	360	20130201
	8	 	 	 	0.00	 	20121207	1190000.00	0.038750	360	360	20130201
	9	 	 	 	0.00	 	20121207	524800.00	0.038750	360	360	20130201
	10	 	 	 	0.00	 	20121204	651000.00	0.036250	360	360	20130201
	11	 	 	 	0.00	 	20121127	460000.00	0.037500	360	360	20130101
	12	 	 	 	125000.00	 	20121207	675000.00	0.037500	360	360	20130201
	13	 	 	 	0.00	 	20121119	960000.00	0.037500	360	360	20130101
	14	 	 	 	0.00	 	20121217	499000.00	0.038750	360	360	20130201
	15	 	 	 	0.00	 	20121119	546400.00	0.043750	360	360	20130101
	16	 	 	 	0.00	 	20121211	704600.00	0.037500	360	360	20130201
	17	 	 	 	0.00	 	20121201	707000.00	0.035000	360	360	20130201
	18	 	 	 	0.00	 	20121120	935200.00	0.042500	360	360	20130101
	19	 	 	 	0.00	 	20121212	1044000.00	0.038750	360	360	20130201
	20	 	 	 	0.00	 	20121214	710000.00	0.041250	360	360	20130201
	21	 	 	 	0.00	 	20121205	800000.00	0.036250	360	360	20130201
	22	 	 	 	0.00	 	20121210	723750.00	0.041250	360	360	20130201
	23	 	 	 	0.00	 	20121220	1746000.00	0.038750	360	360	20130201
	24	 	 	 	0.00	 	20121214	545000.00	0.038750	360	360	20130201
	25	 	 	 	0.00	 	20121214	607400.00	0.042500	360	360	20130201
	26	 	 	 	0.00	 	20121217	511875.00	0.042500	360	360	20130201
	27	 	 	 	0.00	 	20121215	577900.00	0.036250	360	360	20130201
	28	 	 	 	0.00	 	20121217	930000.00	0.038750	360	360	20130201
	29	 	 	 	250000.00	 	20121211	969000.00	0.038750	360	360	20130201
	30	 	 	 	0.00	 	20121130	1382500.00	0.038750	360	360	20130101
	31	 	 	 	0.00	 	20121204	673500.00	0.038750	360	360	20130201
	32	 	 	 	100000.00	 	20121205	518000.00	0.042500	360	360	20130201
	33	 	 	 	0.00	 	20121218	550000.00	0.038750	360	360	20130201
	34	 	 	 	250000.00	 	20121206	888000.00	0.037500	360	360	20130201
	35	 	 	 	500000.00	 	20121227	900000.00	0.038750	360	360	20130201
	36	 	 	 	0.00	 	20121221	680000.00	0.038750	360	360	20130201
	37	 	 	 	0.00	 	20121127	716000.00	0.038750	360	360	20130101
	38	 	 	 	0.00	 	20121205	712000.00	0.042500	360	360	20130201
	39	 	 	 	0.00	 	20121220	825000.00	0.043750	360	360	20130201
	40	 	 	 	0.00	 	20121212	495000.00	0.037500	360	360	20130201
	41	 	 	 	500000.00	 	20121219	990000.00	0.037500	360	360	20130201
	42	 	 	 	0.00	 	20121218	797000.00	0.040000	360	360	20130201
	43	 	 	 	0.00	 	20121219	579000.00	0.038750	360	360	20130201
	44	 	 	 	0.00	 	20121212	993750.00	0.037500	360	360	20130201
	45	 	 	 	0.00	 	20121221	685000.00	0.038750	360	360	20130201







 





	 	31	32	33	34	35	36	37	38	39	40	41
	 	Interest Type
 Indicator	Original Interest
 Only Term	Buy Down Period	HELOC Draw Period	Current Loan
 Amount	Current Interest
 Rate	Current Payment
 Amount Due	Interest Paid
 Through Date	Current Payment
 Status	Index Type	ARM Look-back
 Days
	1	1	0	0	 	706704.24	0.040000	3383.68	20130201	0	0	 
	2	1	0	0	 	763472.68	0.036250	3487.20	20130201	0	0	 
	3	1	0	0	 	578165.77	0.040000	2764.23	20130201	0	0	 
	4	1	0	0	 	1076446.79	0.040000	5146.54	20130201	0	0	 
	5	1	0	0	 	1992962.84	0.037500	9262.31	20130201	0	0	 
	6	1	0	0	 	997623.65	0.042500	4914.48	20130201	0	0	 
	7	1	0	0	 	649042.42	0.038750	3056.54	20130201	0	0	 
	8	1	0	0	 	1188246.89	0.038750	5595.82	20130201	0	0	 
	9	1	0	0	 	524026.87	0.038750	2467.80	20130201	0	0	 
	10	1	0	0	 	649997.67	0.036250	2968.89	20130201	0	0	 
	11	1	0	0	 	458593.41	0.037500	2130.33	20130201	0	0	 
	12	1	0	0	 	673983.35	0.037500	3126.03	20130201	0	0	 
	13	1	0	0	 	957103.66	0.037500	4445.91	20130201	0	0	 
	14	1	0	0	 	498264.87	0.038750	2346.48	20130201	0	0	 
	15	1	0	0	 	544925.28	0.043750	2728.09	20130201	0	0	 
	16	1	0	0	 	703538.77	0.037500	3263.11	20130201	0	0	 
	17	1	0	0	 	705887.33	0.035000	3174.75	20130201	0	0	 
	18	1	0	0	 	933911.55	0.042500	4600.62	20130201	0	0	 
	19	1	0	0	 	1040461.97	0.038750	4909.28	20130201	0	0	 
	20	1	0	0	 	708999.61	0.041250	3441.01	20130201	0	0	 
	21	1	0	0	 	798768.26	0.036250	3648.41	20130201	0	0	 
	22	1	0	0	 	722730.24	0.041250	3507.65	20130201	0	0	 
	23	1	0	0	 	1743427.79	0.038750	8210.34	20130201	0	0	 
	24	1	0	0	 	544197.11	0.038750	2562.79	20130201	0	0	 
	25	1	0	0	 	606563.17	0.042500	2988.04	20130201	0	0	 
	26	1	0	0	 	511169.77	0.042500	2518.12	20130201	0	0	 
	27	1	0	0	 	577010.22	0.036250	2635.52	20130201	0	0	 
	28	1	0	0	 	928629.92	0.038750	4373.20	20130201	0	0	 
	29	1	0	0	 	967572.46	0.038750	4556.60	20130201	0	0	 
	30	1	0	0	 	1373830.70	0.038750	6501.03	20130201	0	0	 
	31	1	0	0	 	672507.79	0.038750	3167.05	20130201	0	0	 
	32	1	0	0	 	517286.33	0.042500	2548.25	20130201	0	0	 
	33	1	0	0	 	549189.74	0.038750	2586.30	20130201	0	0	 
	34	1	0	0	 	886662.53	0.037500	4112.47	20130201	0	0	 
	35	1	0	0	 	898674.12	0.038750	4232.13	20130201	0	0	 
	36	1	0	0	 	678998.22	0.038750	3197.61	20130201	0	0	 
	37	1	0	0	 	713886.96	0.038750	3366.90	20130201	0	0	 
	38	1	0	0	 	711019.06	0.042500	3502.61	20130201	0	0	 
	39	1	0	0	 	823888.71	0.043750	4119.10	20130201	0	0	 
	40	1	0	0	 	494254.46	0.037500	2292.42	20130201	0	0	 
	41	1	0	0	 	988508.91	0.037500	4584.84	20130201	0	0	 
	42	1	0	0	 	795851.67	0.040000	3805.00	20130201	0	0	 
	43	1	0	0	 	578147.02	0.038750	2722.67	20130201	0	0	 
	44	1	0	0	 	992253.26	0.037500	4602.21	20130201	0	0	 
	45	1	0	0	 	683990.86	0.038750	3221.12	20130201	0	0	 







 





	 	42	43	44	45	46	47	48	49	50	51	52	53
	 	Gross Margin	ARM Round Flag	ARM Round Factor	Initial Fixed Rate
 Period	Initial Interest Rate
 Cap (Change Up)	Initial Interest Rate
 Cap (Change Down)	Subsequent Interest
 Rate Reset Period	Subsequent Interest
 Rate Cap (Change Down)	Subsequent Interest
 Rate Cap (Change
 Up)	Lifetime Maximum
 Rate (Ceiling)	Lifetime Minimum
 Rate (Floor)	Negative
 Amortization Limit
	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	 	 	 	 	 	 	 	 	 	 	 	 







 





	 	54	55	56	57	58	59	60	61	62	63	64	65
	 	Initial Negative
 Amortization Recast
 Period	Subsequent
 Negative
 Amortization Recast
 Period	Initial Fixed
 Payment Period	Subsequent
 Payment Reset
 Period	Initial Periodic
 Payment Cap	Subsequent
 Periodic Payment
 Cap	Initial Minimum
 Payment Reset
 Period	Subsequent
 Minimum Payment
 Reset Period	Option ARM
 Indicator	Options at Recast	Initial Minimum
 Payment	Current Minimum
 Payment
	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	 	 	 	 	 	 	 	 	 	 	 	 







 





	 	66	67	68	69	70	71	72	73	74	75	76
	 	Prepayment Penalty
 Calculation	Prepayment Penalty
 Type	Prepayment Penalty
 Total Term	Prepayment Penalty
 Hard Term	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
	1	 	 	0	 	548	3	 	0	 	1	6.25
	2	 	 	0	 	16	3	 	1	 	12	 
	3	 	 	0	 	495	1	 	0	 	10.25	 
	4	 	 	0	 	326	1	 	0	 	19	 
	5	 	 	0	 	785	2	 	1	 	20	20.25
	6	 	 	0	 	79	1	 	0	 	6	 
	7	 	 	0	 	575	2	 	0	 	2	 
	8	 	 	0	 	859	3	 	1	 	18	 
	9	 	 	0	 	536	1	 	0	 	25	 
	10	 	 	0	 	452	3	 	1	 	7.5	7.5
	11	 	 	0	 	749	4	 	0	 	0	 
	12	 	 	0	 	766	2	 	0	 	8	 
	13	 	 	0	 	605	1	 	0	 	6.75	 
	14	 	 	0	 	981	4	 	1	 	21	 
	15	 	 	0	 	993	1	 	0	 	12	 
	16	 	 	0	 	673	1	 	0	 	10	15
	17	 	 	0	 	1027	3	 	1	 	9	1.25
	18	 	 	0	 	772	2	 	1	 	5.5	3.25
	19	 	 	0	 	935	3	 	1	 	18	 
	20	 	 	0	 	829	1	 	0	 	2	 
	21	 	 	0	 	663	1	 	1	 	19	 
	22	 	 	0	 	293	2	 	1	 	11.5	6
	23	 	 	0	 	119	1	 	1	 	5.5	 
	24	 	 	0	 	538	2	 	0	 	3	 
	25	 	 	0	 	298	1	 	1	 	6.75	 
	26	 	 	0	 	137	2	 	0	 	0.25	 
	27	 	 	0	 	462	1	 	0	 	1	 
	28	 	 	0	 	160	1	 	0	 	18	12
	29	 	 	0	 	457	1	 	0	 	0	4.25
	30	 	 	0	 	1025	2	 	1	 	6	9
	31	 	 	0	 	170	2	 	1	 	17	 
	32	 	 	0	 	932	2	 	0	 	13	 
	33	 	 	0	 	682	2	 	0	 	2.5	 
	34	 	 	0	 	487	1	 	1	 	3	5
	35	 	 	0	 	800	1	 	0	 	0	 
	36	 	 	0	 	469	2	 	0	 	4	2
	37	 	 	0	 	751	2	 	0	 	21	11
	38	 	 	0	 	736	1	 	0	 	3	10
	39	 	 	0	 	544	2	 	1	 	17	17
	40	 	 	0	 	150	1	 	0	 	0	 
	41	 	 	0	 	598	1	 	0	 	14	 
	42	 	 	0	 	823	1	 	0	 	6.5	1
	43	 	 	0	 	568	1	 	0	 	2	 
	44	 	 	0	 	959	1	 	1	 	12	 
	45	 	 	0	 	1020	1	 	0	 	0	 







 





	 	77	78	79	80	81	82	83	84	85	86	87	88
	 	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	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
	1	2.5	1	 	 	 	 	 	 	 	753	 	 
	2	5	1	 	 	 	 	 	 	 	731	 	 
	3	4	1	 	 	 	 	 	 	 	791	 	 
	4	16	1	 	 	 	 	 	 	 	766	 	 
	5	0	1	 	 	 	 	 	 	 	783	 	 
	6	0	1	 	 	 	 	 	 	 	780	 	 
	7	6	1	 	 	 	 	 	 	 	785	 	 
	8	2	1	 	 	 	 	 	 	 	779	 	 
	9	5	1	 	 	 	 	 	 	 	730	 	 
	10	10	1	 	 	 	 	 	 	 	720	 	 
	11	4	1	 	 	 	 	 	 	 	793	 	 
	12	6	1	 	 	 	 	 	 	 	780	 	 
	13	0	1	 	 	 	 	 	 	 	795	 	 
	14	9	1	 	 	 	 	 	 	 	750	 	 
	15	0	1	 	 	 	 	 	 	 	763	 	 
	16	2	1	 	 	 	 	 	 	 	814	 	 
	17	5	1	 	 	 	 	 	 	 	780	 	 
	18	0	1	 	 	 	 	 	 	 	789	 	 
	19	2.75	1	 	 	 	 	 	 	 	769	 	 
	20	2	1	 	 	 	 	 	 	 	809	 	 
	21	1	1	 	 	 	 	 	 	 	778	 	 
	22	0	1	 	 	 	 	 	 	 	768	 	 
	23	0	1	 	 	 	 	 	 	 	800	 	 
	24	3	1	 	 	 	 	 	 	 	807	 	 
	25	0	1	 	 	 	 	 	 	 	801	 	 
	26	0	1	 	 	 	 	 	 	 	771	 	 
	27	6	1	 	 	 	 	 	 	 	784	 	 
	28	10	1	 	 	 	 	 	 	 	778	 	 
	29	7	1	 	 	 	 	 	 	 	728	 	 
	30	5	1	 	 	 	 	 	 	 	724	 	 
	31	4	1	 	 	 	 	 	 	 	780	 	 
	32	18	1	 	 	 	 	 	 	 	784	 	 
	33	11	1	 	 	 	 	 	 	 	758	 	 
	34	9	1	 	 	 	 	 	 	 	784	 	 
	35	10	1	 	 	 	 	 	 	 	812	 	 
	36	2	1	 	 	 	 	 	 	 	791	 	 
	37	1.75	1	 	 	 	 	 	 	 	782	 	 
	38	10	1	 	 	 	 	 	 	 	762	 	 
	39	0	1	 	 	 	 	 	 	 	801	 	 
	40	6	1	 	 	 	 	 	 	 	756	 	 
	41	14	1	 	 	 	 	 	 	 	803	 	 
	42	5	1	 	 	 	 	 	 	 	791	 	 
	43	2.5	1	 	 	 	 	 	 	 	722	 	 
	44	0	1	 	 	 	 	 	 	 	745	 	 
	45	1.5	1	 	 	 	 	 	 	 	791	 	 







 





	 	89	90	91	92	93	94	95	96	97	98	99	100
	 	Most Recent FICO
 Method	VantageScore:
 Primary Borrower	VantageScore: Co-
 Borrower	Most Recent
 VantageScore
 Method	VantageScore Date	Credit Report:
 Longest Trade Line	Credit Report:
 Maximum Trade
 Line	Credit Report:
 Number of Trade
 Lines	Credit Line Usage
 Ratio	Most Recent 12-
 month Pay History	Months Bankruptcy	Months Foreclosure
	1	 	 	 	 	 	 	 	 	 	000000000000	 	 
	2	 	 	 	 	 	 	 	 	 	000000000000	 	 
	3	 	 	 	 	 	 	 	 	 	000000000000	 	 
	4	 	 	 	 	 	 	 	 	 	000000000000	 	 
	5	 	 	 	 	 	 	 	 	 	000000000000	 	 
	6	 	 	 	 	 	 	 	 	 	000000000000	 	 
	7	 	 	 	 	 	 	 	 	 	000000000000	 	 
	8	 	 	 	 	 	 	 	 	 	000000000000	 	 
	9	 	 	 	 	 	 	 	 	 	000000000000	 	 
	10	 	 	 	 	 	 	 	 	 	000000000000	 	 
	11	 	 	 	 	 	 	 	 	 	000000000000	 	 
	12	 	 	 	 	 	 	 	 	 	000000000000	 	 
	13	 	 	 	 	 	 	 	 	 	000000000000	 	 
	14	 	 	 	 	 	 	 	 	 	000000000000	 	 
	15	 	 	 	 	 	 	 	 	 	000000000000	 	 
	16	 	 	 	 	 	 	 	 	 	000000000000	 	 
	17	 	 	 	 	 	 	 	 	 	000000000000	 	 
	18	 	 	 	 	 	 	 	 	 	000000000000	 	 
	19	 	 	 	 	 	 	 	 	 	000000000000	 	 
	20	 	 	 	 	 	 	 	 	 	000000000000	 	 
	21	 	 	 	 	 	 	 	 	 	000000000000	 	 
	22	 	 	 	 	 	 	 	 	 	000000000000	 	 
	23	 	 	 	 	 	 	 	 	 	000000000000	 	 
	24	 	 	 	 	 	 	 	 	 	000000000000	 	 
	25	 	 	 	 	 	 	 	 	 	000000000000	 	 
	26	 	 	 	 	 	 	 	 	 	000000000000	 	 
	27	 	 	 	 	 	 	 	 	 	000000000000	 	 
	28	 	 	 	 	 	 	 	 	 	000000000000	 	 
	29	 	 	 	 	 	 	 	 	 	000000000000	 	 
	30	 	 	 	 	 	 	 	 	 	000000000000	 	 
	31	 	 	 	 	 	 	 	 	 	000000000000	 	 
	32	 	 	 	 	 	 	 	 	 	000000000000	 	 
	33	 	 	 	 	 	 	 	 	 	000000000000	 	 
	34	 	 	 	 	 	 	 	 	 	000000000000	 	 
	35	 	 	 	 	 	 	 	 	 	000000000000	 	 
	36	 	 	 	 	 	 	 	 	 	000000000000	 	 
	37	 	 	 	 	 	 	 	 	 	000000000000	 	 
	38	 	 	 	 	 	 	 	 	 	000000000000	 	 
	39	 	 	 	 	 	 	 	 	 	000000000000	 	 
	40	 	 	 	 	 	 	 	 	 	000000000000	 	 
	41	 	 	 	 	 	 	 	 	 	000000000000	 	 
	42	 	 	 	 	 	 	 	 	 	000000000000	 	 
	43	 	 	 	 	 	 	 	 	 	000000000000	 	 
	44	 	 	 	 	 	 	 	 	 	000000000000	 	 
	45	 	 	 	 	 	 	 	 	 	000000000000	 	 







 





	 	101	102	103	104	105	106	107	108	109	110	111
	 	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	Co-Borrower
 Employment
 Verification
	1	8441.6	13250	0	0	21691.6	21691.6	1	5	 	3	 
	2	16279.08	 	0	 	16279.08	16279.08	1	5	 	3	 
	3	15078.99	0	0	0	15078.99	15078.99	1	5	 	3	 
	4	24041.66	 	0	 	24041.66	24041.66	1	5	 	3	 
	5	23418.81	8631.33	0	0	32050.14	32050.14	1	5	 	3	 
	6	8437.87	0	6936.59	2337.34	8437.87	17711.8	1	5	 	3	 
	7	27009.58	0	0	0	27009.58	27009.58	1	5	 	3	 
	8	152105.3	0	0	0	152105.3	152105.3	1	5	 	3	 
	9	14416.66	 	0	 	14416.66	14416.66	1	5	 	3	 
	10	12990.01	1500	163.59	0	14490.01	14653.6	1	5	 	3	 
	11	1780.75	8403.35	0	0	10184.1	10184.1	1	5	 	3	 
	12	10208.33	0	7795.74	0	10208.33	18004.07	1	5	 	3	 
	13	12500	 	12769	 	12500	25269	1	5	 	3	 
	14	11017.27	 	0	 	11017.27	11017.27	1	5	 	3	 
	15	15500	0	3420.33	0	15500	18920.33	1	5	 	3	 
	16	14209.87	11476.4	0	0	25686.27	25686.27	1	5	 	3	 
	17	0	33936.79	0	0	33936.79	33936.79	1	5	 	3	 
	18	20464.26	7500	0	0	27964.26	27964.26	1	5	 	3	 
	19	163264.4	0	0	0	163264.4	163264.4	1	5	 	3	 
	20	15322.34	 	0	 	15322.34	15322.34	1	5	 	3	 
	21	23500	0	0	0	23500	23500	1	5	 	3	 
	22	0	9079.86	53171.21	0	9079.86	62251.07	1	5	 	3	 
	23	38917.21	 	0	 	38917.21	38917.21	1	5	 	3	 
	24	21200.01	 	0	 	21200.01	21200.01	1	5	 	3	 
	25	16088.79	 	0	 	16088.79	16088.79	1	5	 	3	 
	26	25000	 	0	 	25000	25000	1	5	 	3	 
	27	17500	 	0	 	17500	17500	1	5	 	3	 
	28	12122.06	11616.8	0	0	23738.86	23738.86	1	5	 	3	 
	29	12499.99	18145.83	0	0	30645.82	30645.82	1	5	 	3	 
	30	26221.5	5518	0	0	31739.5	31739.5	1	5	 	3	 
	31	12744.79	 	0	 	12744.79	12744.79	1	5	 	3	 
	32	11750	0	0	0	11750	11750	1	5	 	3	 
	33	13511.33	0	2295.32	4995.06	13511.33	20801.71	1	5	 	3	 
	34	2101.17	12327.84	0	0	14429.01	14429.01	1	5	 	3	 
	35	1975.8	4830.88	5036.67	2300.18	6806.68	14143.53	1	5	 	3	 
	36	8972.23	24999.87	0	0	33972.1	33972.1	1	5	 	3	 
	37	9202.55	10404.43	0	0	19606.98	19606.98	1	5	 	3	 
	38	11875	15741.18	0	0	27616.18	27616.18	1	5	 	3	 
	39	14366.25	2166.67	0	0	16532.92	16532.92	1	5	 	3	 
	40	0	 	10903.5	 	0	10903.5	1	5	 	3	 
	41	42686.3	0	0	0	42686.3	42686.3	1	5	 	3	 
	42	8691.8	10416.67	0	0	19108.47	19108.47	1	5	 	3	 
	43	12016.66	 	1317.88	 	12016.66	13334.54	1	5	 	3	 
	44	18306.71	 	0	 	18306.71	18306.71	1	5	 	3	 
	45	13623	 	0	 	13623	13623	1	5	 	3	 







 





	 	112	113	114	115	116	117	118	119	120	121	122	123
	 	Borrower Asset
 Verification	Co-Borrower Asset
 Verification	Liquid / Cash
 Reserves	Monthly Debt All
 Borrowers	Originator DTI	Fully Indexed Rate	Qualification
 Method	Percentage of Down
 Payment from
 Borrower Own
 Funds	City	State	Postal Code	Property Type
	1	4	 	95847.11	6239.48	0.287645	 	 	 	SAN CARLOS	CA	94070	1
	2	4	 	68029	5327.8	0.327279	 	 	 	NEWTON CENTER	MA	02459	1
	3	4	 	48214.54	5596.14	0.371122	 	 	 	PULASKI	WI	54162	1
	4	4	 	138023	6658.19	0.276944	 	 	 	PASADENA	CA	91105	1
	5	4	 	625205.2	14284.14	0.445681	 	 	100	NEW YORK	NY	10007	4
	6	4	 	775444	6571.56	0.371027	 	 	100	SAN DIEGO	CA	92109	1
	7	4	 	112926.3	9144.09	0.338550	 	 	 	NEW CANAAN	CT	06840	1
	8	4	 	677359.6	14877.27	0.097809	 	 	 	NEWPORT BEACH	CA	92660	7
	9	4	 	455302.8	4411.67	0.306012	 	 	 	DALLAS	TX	75205	1
	10	4	 	100324.8	6615.32	0.451447	 	 	 	MURRIETA	CA	92562	7
	11	4	 	59297.39	4521.84	0.444010	 	 	 	RIVERSIDE	CA	92506	1
	12	4	 	68894.74	7321.36	0.406650	 	 	 	CARLSBAD	CA	92011	7
	13	4	 	167434.2	6673.34	0.264092	 	 	100	HALF MOON BAY	CA	94019	7
	14	4	 	118735.4	3961.09	0.359535	 	 	 	ALTO	NM	88312	6
	15	4	 	278501.6	8207.43	0.433789	 	 	100	MIAMI	FL	33143	1
	16	4	 	703217.9	4515.93	0.175811	 	 	 	IRVINE	CA	92620	6
	17	4	 	327342	13331.63	0.392837	 	 	 	SARATOGA	CA	95070	1
	18	4	 	119556.7	9001.58	0.321896	 	 	100	ENCINO	CA	91436	1
	19	4	 	902126.4	14007.76	0.085798	 	 	 	NEWPORT BEACH	CA	92660	7
	20	4	 	60910.83	6203.79	0.404885	 	 	 	CUPERTINO	CA	95014	1
	21	4	 	285561.2	5992.83	0.255014	 	 	 	DRAPER	UT	84020	1
	22	4	 	174900.3	5285.18	0.084901	 	 	100	BEL AIR	MD	21015	7
	23	4	 	167245.1	11695.24	0.300516	 	 	92.349	GREENWICH	CT	06831	1
	24	4	 	123693.4	8044.28	0.379447	 	 	 	HOUSTON	TX	77056	7
	25	4	 	80546.08	5918.9	0.367890	 	 	100	PALM SPRINGS	CA	92262	1
	26	4	 	409797.3	7575.88	0.303035	 	 	100	MIAMI BEACH	FL	33140	1
	27	4	 	370132.8	4779.23	0.273099	 	 	 	GROSSE POINTE FARMS	MI	48236	1
	28	4	 	40960.41	5871.14	0.247322	 	 	 	SARATOGA	CA	95070	1
	29	4	 	73017.74	6723.48	0.219393	 	 	 	LOS ALTOS	CA	94022	1
	30	4	 	74563.93	12435.69	0.391805	 	 	 	ENCINITAS	CA	92024	1
	31	4	 	717503.5	4715.67	0.370008	 	 	 	ENCINITAS	CA	92024	1
	32	4	 	318271.7	4479.42	0.381227	 	 	 	EL DORADO HILLS	CA	95762	7
	33	4	 	246230.8	5519.86	0.265356	 	 	 	WOODWAY	WA	98020	7
	34	4	 	285851	4875.68	0.337908	 	 	 	PARK CITY	UT	84060	1
	35	4	 	48403.74	6053.77	0.428024	 	 	 	CORONA DEL MAR	CA	92625	1
	36	4	 	145267.2	6882.17	0.202583	 	 	 	ANN ARBOR	MI	48103	3
	37	4	 	55565.94	6144.61	0.313389	 	 	 	LA CANADA FLINTRIDGE	CA	91011	1
	38	4	 	1378330	5707.46	0.206671	 	 	 	NEWPORT BEACH	CA	92660	7
	39	4	 	161987.8	7426.79	0.449212	 	 	100	CAPITAN	NM	88316	1
	40	4	 	632095.4	3954.91	0.362719	 	 	 	LA QUINTA	CA	92253	7
	41	4	 	98043.08	8852.2	0.207378	 	 	 	CORONA DEL MAR	CA	92625	7
	42	4	 	246279.2	5357.23	0.280359	 	 	 	LOS ALTOS	CA	94024	1
	43	4	 	36123.59	4363.07	0.327201	 	 	 	SAN DIEGO	CA	92109	1
	44	4	 	214790.4	8016.18	0.437882	 	 	100	HERMOSA BEACH	CA	90254	3
	45	4	 	142125.5	4437.56	0.325740	 	 	 	ALTADENA	CA	91001	1







 





	 	124	125	126	127	128	129	130	131	132	133	134	135
	 	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	Most Recent
 Property Valuation
 Date	Most Recent AVM
 Model Name	Most Recent AVM
 Confidence Score
	1	1	 	1000000.00	3	20120814	 	 	 	 	 	 	 
	2	1	 	1200000.00	3	20120820	 	 	 	 	 	 	 
	3	1	 	815000.00	3	20120904	 	 	 	 	 	 	 
	4	1	 	1700000.00	3	20120921	 	 	 	 	 	 	 
	5	1	5800000.00	5800000.00	3	20121019	 	 	 	 	 	 	 
	6	1	1350000.00	1350000.00	3	20121011	 	 	 	 	 	 	 
	7	1	 	830000.00	3	20121115	 	 	 	 	 	 	 
	8	1	 	2300000.00	3	20121109	 	 	 	 	 	 	 
	9	1	 	700000.00	3	20121102	 	 	 	 	 	 	 
	10	1	 	900000.00	3	20121110	 	 	 	 	 	 	 
	11	1	 	575000.00	3	20121025	 	 	 	 	 	 	 
	12	1	 	1000000.00	3	20121025	 	 	 	 	 	 	 
	13	1	1200000.00	1200000.00	3	20121015	 	 	 	 	 	 	 
	14	1	 	675000.00	3	20121106	 	 	 	 	 	 	 
	15	1	705000.00	683000.00	3	20121018	 	 	 	 	 	 	 
	16	1	 	998000.00	3	20121120	 	 	 	 	 	 	 
	17	1	 	2222000.00	3	20121022	 	 	 	 	 	 	 
	18	1	1169000.00	1169000.00	3	20121030	 	 	 	 	 	 	 
	19	1	 	1650000.00	3	20121108	 	 	 	 	 	 	 
	20	1	 	1260000.00	3	20121109	 	 	 	 	 	 	 
	21	1	 	1460000.00	3	20121029	 	 	 	 	 	 	 
	22	1	1042795.00	965000.00	3	20121109	 	 	 	 	 	 	 
	23	1	2910000.00	2910000.00	3	20121106	 	 	 	 	 	 	 
	24	1	 	1670000.00	3	20121114	 	 	 	 	 	 	 
	25	1	760000.00	760000.00	3	20121112	 	 	 	 	 	 	 
	26	2	682500.00	685000.00	3	20121121	 	 	 	 	 	 	 
	27	1	 	848000.00	3	20121026	 	 	 	 	 	 	 
	28	1	 	1600000.00	3	20121127	 	 	 	 	 	 	 
	29	1	 	1990000.00	3	20120911	 	 	 	 	 	 	 
	30	1	 	1975000.00	3	20121103	 	 	 	 	 	 	 
	31	1	 	852000.00	3	20120905	 	 	 	 	 	 	 
	32	1	 	815000.00	3	20121008	 	 	 	 	 	 	 
	33	1	 	900000.00	3	20121207	 	 	 	 	 	 	 
	34	1	 	1815000.00	3	20121011	 	 	 	 	 	 	 
	35	1	 	2260000.00	3	20121010	 	 	 	 	 	 	 
	36	1	 	850000.00	3	20121109	 	 	 	 	 	 	 
	37	1	 	1100000.00	3	20121025	 	 	 	 	 	 	 
	38	1	 	1420000.00	3	20121101	 	 	 	 	 	 	 
	39	2	1100000.00	1100000.00	3	20121112	 	 	 	 	 	 	 
	40	1	 	700000.00	3	20121109	 	 	 	 	 	 	 
	41	1	 	2700000.00	3	20121121	 	 	 	 	 	 	 
	42	1	 	1500000.00	3	20121118	 	 	 	 	 	 	 
	43	1	 	775000.00	3	20121118	 	 	 	 	 	 	 
	44	1	1325000.00	1325000.00	3	20121129	 	 	 	 	 	 	 
	45	1	 	930000.00	3	20121125	 	 	 	 	 	 	 







 





	 	136	137	138	139	140	141	142	143	144	145	146
	 	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)	Updated DTI
 (Back-end)
	1	0.708700	0.708700	0	0	0	 	 	 	 	 	 
	2	0.720500	0.637200	0	0	0	 	 	 	 	 	 
	3	0.756400	0.710400	0	0	0	 	 	 	 	 	 
	4	0.634100	0.634100	0	0	0	 	 	 	 	 	 
	5	0.344800	0.344800	0	0	0	 	 	 	 	 	 
	6	0.740000	0.740000	0	0	0	 	 	 	 	 	 
	7	0.783100	0.783100	0	0	0	 	 	 	 	 	 
	8	0.517300	0.517300	0	0	0	 	 	 	 	 	 
	9	0.749700	0.749700	0	0	0	 	 	 	 	 	 
	10	0.723300	0.723300	0	0	0	 	 	 	 	 	 
	11	0.800000	0.800000	0	0	0	 	 	 	 	 	 
	12	0.800000	0.675000	0	0	0	 	 	 	 	 	 
	13	0.800000	0.800000	0	0	0	 	 	 	 	 	 
	14	0.739200	0.739200	0	0	0	 	 	 	 	 	 
	15	0.800000	0.800000	0	0	0	 	 	 	 	 	 
	16	0.706000	0.706000	0	0	0	 	 	 	 	 	 
	17	0.318100	0.318100	0	0	0	 	 	 	 	 	 
	18	0.800000	0.800000	0	0	0	 	 	 	 	 	 
	19	0.632700	0.632700	0	0	0	 	 	 	 	 	 
	20	0.563400	0.563400	0	0	0	 	 	 	 	 	 
	21	0.547900	0.547900	0	0	0	 	 	 	 	 	 
	22	0.750000	0.750000	0	0	0	 	 	 	 	 	 
	23	0.600000	0.600000	0	0	0	 	 	 	 	 	 
	24	0.326300	0.326300	0	0	0	 	 	 	 	 	 
	25	0.799200	0.799200	0	0	0	 	 	 	 	 	 
	26	0.750000	0.750000	0	0	0	 	 	 	 	 	 
	27	0.681400	0.681400	0	0	0	 	 	 	 	 	 
	28	0.581200	0.581200	0	0	0	 	 	 	 	 	 
	29	0.612500	0.486900	0	0	0	 	 	 	 	 	 
	30	0.700000	0.700000	0	0	0	 	 	 	 	 	 
	31	0.790400	0.790400	0	0	0	 	 	 	 	 	 
	32	0.758200	0.635500	0	0	0	 	 	 	 	 	 
	33	0.611100	0.611100	0	0	0	 	 	 	 	 	 
	34	0.626900	0.489200	0	0	0	 	 	 	 	 	 
	35	0.619400	0.398200	0	0	0	 	 	 	 	 	 
	36	0.800000	0.800000	0	0	0	 	 	 	 	 	 
	37	0.650900	0.650900	0	0	0	 	 	 	 	 	 
	38	0.501400	0.501400	0	0	0	 	 	 	 	 	 
	39	0.750000	0.750000	0	0	0	 	 	 	 	 	 
	40	0.707100	0.707100	0	0	0	 	 	 	 	 	 
	41	0.551800	0.366600	0	0	0	 	 	 	 	 	 
	42	0.531300	0.531300	0	0	0	 	 	 	 	 	 
	43	0.747000	0.747000	0	0	0	 	 	 	 	 	 
	44	0.750000	0.750000	0	0	0	 	 	 	 	 	 
	45	0.736500	0.736500	0	0	0	 	 	 	 	 	 







 





	 	147	148	149	150	151	152	153	154	155	156
	 	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
	1	 	 	 	 	 	 	 	 	 	 
	2	 	 	 	 	 	 	 	 	 	 
	3	 	 	 	 	 	 	 	 	 	 
	4	 	 	 	 	 	 	 	 	 	 
	5	 	 	 	 	 	 	 	 	 	 
	6	 	 	 	 	 	 	 	 	 	 
	7	 	 	 	 	 	 	 	 	 	 
	8	 	 	 	 	 	 	 	 	 	 
	9	 	 	 	 	 	 	 	 	 	 
	10	 	 	 	 	 	 	 	 	 	 
	11	 	 	 	 	 	 	 	 	 	 
	12	 	 	 	 	 	 	 	 	 	 
	13	 	 	 	 	 	 	 	 	 	 
	14	 	 	 	 	 	 	 	 	 	 
	15	 	 	 	 	 	 	 	 	 	 
	16	 	 	 	 	 	 	 	 	 	 
	17	 	 	 	 	 	 	 	 	 	 
	18	 	 	 	 	 	 	 	 	 	 
	19	 	 	 	 	 	 	 	 	 	 
	20	 	 	 	 	 	 	 	 	 	 
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	45	 	 	 	 	 	 	 	 	 	 







 





	 	157	158	159	160	161	162	163	164
	 	Forgiven Interest
 Amount	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	 	 	 	13	6.25	0	20421201	8441.6
	2	 	 	 	14	 	45126	20430101	16279.08
	3	 	 	 	10.25	 	20754	20430101	15078.99
	4	 	 	 	20	 	0	20430101	24041.66
	5	 	 	 	28	21	0	20421201	23418.81
	6	 	 	 	6	 	0	20430101	8437.87
	7	 	 	 	16	 	0	20430101	27009.58
	8	 	 	 	18	 	0	20430101	152105.3
	9	 	 	 	25	 	0	20430101	14416.66
	10	 	 	 	10	10	0	20430101	12990.01
	11	 	 	 	0	 	0	20421201	1780.75
	12	 	 	 	15	 	125000	20430101	10208.33
	13	 	 	 	39	 	0	20421201	12500
	14	 	 	 	38	 	0	20430101	11017.27
	15	 	 	 	25	 	0	20421201	15500
	16	 	 	 	10	15	0	20430101	14209.87
	17	 	 	 	20	9	0	20430101	0
	18	 	 	 	5.5	3.25	0	20421201	20464.26
	19	 	 	 	18	 	0	20430101	163264.4
	20	 	 	 	5	 	0	20430101	15322.34
	21	 	 	 	19	 	0	20430101	23500
	22	 	 	 	11.5	6	0	20430101	0
	23	 	 	 	15	 	0	20430101	38917.21
	24	 	 	 	15	 	0	20430101	21200.01
	25	 	 	 	7	 	0	20430101	16088.79
	26	 	 	 	9	 	0	20430101	25000
	27	 	 	 	25	 	0	20430101	17500
	28	 	 	 	22	22	0	20430101	12122.06
	29	 	 	 	15	17	56505	20430101	12499.99
	30	 	 	 	23	9	0	20421201	26221.5
	31	 	 	 	20	 	0	20430101	12744.79
	32	 	 	 	25	 	87788	20430101	11750
	33	 	 	 	34	 	0	20430101	13511.33
	34	 	 	 	3	5	250000	20430101	2101.17
	35	 	 	 	0	 	110000	20430101	1975.8
	36	 	 	 	4	2	0	20430101	8972.23
	37	 	 	 	21	11	0	20421201	9202.55
	38	 	 	 	25	25	0	20430101	11875
	39	 	 	 	30	17	0	20430101	14366.25
	40	 	 	 	0	 	0	20430101	0
	41	 	 	 	20	 	101754.5	20430101	42686.3
	42	 	 	 	15	15	0	20430101	8691.8
	43	 	 	 	2	 	0	20430101	12016.66
	44	 	 	 	12	 	0	20430101	18306.71
	45	 	 	 	9	 	0	20430101	13623







 





	 	165	166	167	168	169	170	171	172
	 	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	0	13250	0	0	Full	Two Years	Two Months
	2	0	0	0	0	0	Full	Two Years	Two Months
	3	0	0	0	0	0	Full	Two Years	Two Months
	4	0	0	0	0	0	Full	Two Years	Two Months
	5	0	0	8631.33	0	0	Full	Two Years	Two Months
	6	0	6936.59	0	0	0	Full	Two Years	Two Months
	7	0	0	0	0	0	Full	Two Years	Two Months
	8	0	0	0	0	0	Full	Two Years	Two Months
	9	0	0	0	0	0	Full	Two Years	Two Months
	10	0	0	1500	0	0	Full	Two Years	Two Months
	11	0	0	8403.35	0	0	Full	Two Years	Two Months
	12	0	7795.74	0	0	0	Full	Two Years	Two Months
	13	0	0	0	0	0	Full	Two Years	Two Months
	14	0	0	0	0	0	Full	Two Years	Two Months
	15	3420.33	0	0	0	0	Full	Two Years	Two Months
	16	0	0	11476.4	0	0	Full	Two Years	Two Months
	17	0	0	33936.79	0	0	Full	Two Years	Two Months
	18	0	0	7500	0	0	Full	Two Years	Two Months
	19	0	0	0	0	0	Full	Two Years	Two Months
	20	0	0	0	0	0	Full	Two Years	Two Months
	21	0	0	0	0	0	Full	Two Years	Two Months
	22	35784	0	9079.86	0	0	Full	Two Years	Two Months
	23	0	0	0	0	0	Full	Two Years	Two Months
	24	0	0	0	0	0	Full	Two Years	Two Months
	25	0	0	0	0	0	Full	Two Years	Two Months
	26	0	0	0	0	0	Full	Two Years	Two Months
	27	0	0	0	0	0	Full	Two Years	Two Months
	28	0	0	11616.8	0	0	Full	Two Years	Two Months
	29	0	0	18145.83	0	0	Full	Two Years	Two Months
	30	0	0	5518	0	0	Full	Two Years	Two Months
	31	0	0	0	0	0	Full	Two Years	Two Months
	32	0	0	0	0	0	Full	Two Years	Two Months
	33	0	0	0	0	0	Full	Two Years	Two Months
	34	0	0	12327.84	0	0	Full	Two Years	Two Months
	35	0	0	4830.88	0	0	Full	Two Years	Two Months
	36	0	0	24999.87	0	0	Full	Two Years	Two Months
	37	0	0	10404.43	0	0	Full	Two Years	Two Months
	38	0	0	15741.18	0	0	Full	Two Years	Two Months
	39	0	0	2166.67	0	0	Full	Two Years	Two Months
	40	0	0	0	0	0	Full	Two Years	Two Months
	41	0	0	0	0	0	Full	Two Years	Two Months
	42	0	0	10416.67	0	0	Full	Two Years	Two Months
	43	1317.88	0	0	0	0	Full	Two Years	Two Months
	44	0	0	0	0	0	Full	Two Years	Two Months
	45	0	0	0	0	0	Full	Two Years	Two Months




 






    	 



    	 	



    
 


ATTACHMENT 2


 


PURCHASE AGREEMENT


 


See Exhibit 10.11