EXHIBIT 10.1




 


 


ASSIGNMENT, ASSUMPTION AND RECOGNITION
AGREEMENT


 


This is an Assignment,
Assumption and Recognition 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 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 Mortgage Loans”) listed on Attachment
1 annexed hereto (the “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. 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 Mortgage Loans, together with its obligations as “Purchaser” to the extent relating to the Mortgage Loans, and
Depositor hereby accepts such assignment from Assignor and assumes such obligations.


 


2.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 Mortgage Loans, together with its obligations as “Purchaser” to the extent relating to the 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.


 


3.Assignee agrees to be bound,
as “Purchaser,” by all of the terms, covenants and conditions of the Sale and Servicing Agreement relating to the 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 Mortgage Loans, and Assignor is released from such obligations.


 






    	 



    	 	



    
 


4. The Bank hereby acknowledges
the foregoing assignments and assumptions and agrees that Assignee shall be the “Purchaser” under the Sale and Servicing
Agreement with respect to the Mortgage Loans.


 


Representations and Warranties


 


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


 


(a)Attached hereto as Attachment
2 is a true and accurate copy of the Sale and Servicing 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, rights and obligations under the Sale and Servicing Agreement to the extent of the Mortgage Loans, 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 Mortgage Loans, 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;


 


(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 Sale and Servicing Agreement;


 


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


 



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


 


6.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.


 


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


 


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


 






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


 


8.The Bank 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 Sale and Servicing 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)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 and otherwise to perform its obligations under the Sale and Servicing 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


 






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(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.


 


Restated Bank Representations and Warranties


 


9.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 Mortgage Loan as of the related Closing Date (as such term is defined in the Sale and Servicing Agreement) and (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 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
13.


 


Repurchase by Assignor Upon Certain Breaches
of Representations and Warranties


 


10. (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 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 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, (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, 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 10(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 10, 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


 


11.(a)From and after the date
hereof, subject to Sections 13 and 14 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, 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, the terms of which are incorporated herein by reference, as amended
by this Agreement.


 


(b)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.


 


12.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



 


13.(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:


 


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 Sale and Servicing Agreement listed below:


 






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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:


  


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
13(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 13(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


 


14.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,” “Eligible Account,” “Eligible Investment,”
“Opinion of Counsel,” “Rating Agencies,” “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,” “Principal
Forbearance Amount,” “Securities Administrator” and “Servicing Modification” shall be added to Section
1 of the Sale and Servicing Agreement:


 


Affiliate:
With respect to any specified Person, another Person controlling or controlled by or under common control with such specified Person.
For the purposes of this definition, “control” when used with respect to any specified Person means the power to direct
the management and policies of such Person, directly or indirectly, whether through the ownership of voting securities, by contract
or otherwise; and the terms “controlling” and “controlled” have meanings correlative to the foregoing.





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


 


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


 


Clean-up
Call: The optional purchase of the mortgage loans subject to the Pooling and Servicing Agreement and all property acquired
in respect of any such mortgage loan remaining in the trust fund created pursuant to the Pooling and Servicing Agreement on any
date on which the aggregate stated principal balance is less than 10% of the aggregate stated principal balance as of February
1, 2013, in accordance with the Pooling and Servicing Agreement.


 






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


 


Eligible
Account: Any account or accounts maintained with a federal or state chartered depository institution or trust company the 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) satisfy each of the following criteria: (1) the short-term unsecured debt
obligations of such entity are rated in the highest rating category of Fitch Ratings, Inc. (“Fitch”) and Standard &
Poor’s Ratings Services (“S&P”) and the long-term unsecured debt obligations of such entity are rated in
one of the two highest rating categories of Fitch and S&P and (2) if the unsecured debt obligations of such entity are rated
by Kroll Bond Rating Agency, Inc. (“KBRA”), then the short-term unsecured debt obligations of such entity are rated
in the highest rating category of KBRA and the long-term unsecured debt obligations of such entity are rated in one of the three
highest rating categories of KBRA. If the ratings no longer satisfy each of these criteria, the funds on deposit therewith in connection
with this transaction shall be transferred to an Eligible Account within 30 days of such downgrade. Eligible Accounts may bear
interest.


 


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 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 Agencies for long-term unsecured debt with a maturity of more than one year
or in the highest rating category by the Rating Agencies with respect to short-term obligations (provided that, short-term obligations
with a maturity of at least 60 days are rated “A-1+” by S&P) 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 Agencies for long-term unsecured debt with a maturity of more than
one year or in the highest rating category by the Rating Agencies with respect to short-term obligations (provided that, short-term
obligations with a maturity of at least 60 days are rated “A-1+” by S&P), 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 Agencies for long-term
unsecured debt with a maturity of more than one year or in the highest rating category by the Rating Agencies with respect to short-term
obligations (provided that, short-term obligations with a maturity of at least 60 days are rated “A-1+” by S&P),
in each case at the time of such investment; and


 


(vi)any money market funds
rated in one of the two highest rating categories by the Rating Agencies for long-term unsecured debt with a maturity of more than
one year or in the highest rating category by the Rating Agencies with respect to short-term obligations (provided that, with respect
to S&P, shares of a money market fund are rated “AAAm”);


 


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.


 






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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.


 


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.


 


Rating Agencies:
Fitch Ratings, Inc. (“Fitch”), Kroll Bond Rating Agency, Inc. (“KBRA”) and Standard & Poor’s
Ratings Services (“S&P”); provided, however, that references to “Rating Agencies” as used in the definition
of “Eligible Investments” shall not include KBRA unless KBRA rates the applicable entity or investment.


 


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.


 


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.


 






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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.


 


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.


 


(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 2013-3 Mortgage Pass-Through Certificates
as a single class.


 


(c)Segregated Custodial Account.
The Servicer shall establish a Custodial Account pursuant to Subsection 11.04 of the Sale and Servicing Agreement which shall be
titled “First Republic Bank, in trust for Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as trustee
of the Sequoia Mortgage Trust 2013-3” (the “2013-3 Custodial Account”), which shall be the Custodial Account
under this Agreement for all purposes. If the 2013-3 Custodial Account is no longer an Eligible Account, the Servicer shall transfer
the 2013-3 Custodial Account to an account that is an Eligible Account. The 2013-3 Custodial Account shall qualify as an Eligible
Account. 


 


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


 


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


 


(e)Helping Families Act Notice.
The following sentence shall be added at the end of Subsection 6.04:


 


In connection with any
Mortgage Loan (i) repurchased by First Republic Bank from the trust created by the Pooling and Servicing Agreement (the “Trust”)
or (ii) purchased in the exercise of a Clean-up Call, First Republic Bank shall furnish to the related borrower, within thirty
(30) days following the date of such repurchase, the notice required by, and in accordance with, Section 404 of the Helping Families
Act.


 






    	13



    	 



    
 


(f)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 2013-3
Custodial Account, as appropriate, out of the Servicer’s own funds, with no right to reimbursement therefor.



 


(g)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.


 


(h)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.


 


(i)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;


 


(j)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.


 






    	14



    	 



    
 


(k)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:


 


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, 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.


 






    	15



    	 



    
 


(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.


 


(l)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,
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.


 






    	16



    	 



    
 


  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.




 


(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(i) of this Agreement above, to read in its entirety as follows:




 






    	17



    	 



    
 


  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.




 


(m)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.


 


(n)Modification
Payment Plans and Foreclosure Approvals.


 


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


 


Consistent
with the terms of this Agreement, and subject to the REMIC Provisions if the Mortgage Loans have been transferred to a REMIC, the
Servicer may waive, modify or vary any term of any Mortgage Loan or consent to the postponement of strict compliance with any such
term or in any manner grant indulgence to any Mortgagor; provided, however, that the Servicer shall not enter into any payment
plan or agreement to modify payments with a Mortgagor lasting more than twelve (12) months or permit any modification with
respect to any Mortgage Loan that would change the Mortgage Interest Rate, the Lifetime Rate Cap (if applicable), the Initial
Rate Cap (if applicable), the Periodic Rate Cap (if applicable) or the Gross Margin (if applicable), agree
to the capitalization of arrearages, including interest, fees or expenses owed under the Mortgage Loan, make any future advances
or extend the final maturity date with respect to such Mortgage Loan (provided that the Servicer shall in no event extend the final
maturity date past March 25, 2043 or, if such 25th day is not a Business Day, the next succeeding Business Day), or accept substitute
or additional collateral or release any collateral for such Mortgage Loan, unless (1) the Mortgagor is in default with respect
to the Mortgage Loan, or such default is, in the judgment of the Servicer, imminent, (2) the modification is in accordance with
the customary procedures of the Servicer, which may change from time to time, or industry-accepted programs, and (3) the Purchaser
has approved such action.


 






    	18



    	 



    
 


(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.


 


(o)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.


 


(p)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.


 


(q)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.


 


(r)Broker’s
Price Opinion. If, in accordance with the Pooling and Servicing Agreement, the Trustee has received notice that any governmental
entity intends to acquire a Mortgage Loan through the exercise of its power of eminent domain, and if there is no longer a Controlling
Holder, the Servicer, promptly upon the request and at the expense of the Trustee, shall obtain a valuation on the related Mortgaged
Property in the form of a broker’s price opinion, and provide the results of such valuation to the Trustee.


 






    	19



    	 



    
 


(s)Report on Assessment
of Compliance and Attestation. The Servicer shall disclose, and shall cause each Subservicer and Subcontractor determined to
be “participating in the servicing function” within the meaning of Item 1122 of Regulation AB to disclose, as part
of each assessment of compliance with the Servicing Criteria delivered pursuant to Subsection 2.05 of Addendum I of the Sale and
Servicing Agreement: (i) the extent and scope of any material instance of noncompliance, including any material impacts or effects
as a result of a material instance of noncompliance, that have affected payments or expected payments on the certificates issued
pursuant to the Pooling and Servicing Agreement; (ii) whether a material instance of noncompliance involved any certificate issued
pursuant to the Pooling and Servicing Agreement; and (iii) its plans, if any, or actions already undertaken, for remediating a
material instance of noncompliance or the impacts caused by such material instance of noncompliance.


 


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





 


Miscellaneous


 


15.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


  


		(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


 






    	20



    	 



    
 


		(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


 


		(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


  


16.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.


 






    	21



    	 



    
 


17.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.


 


18.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.


 


19.This Agreement shall survive
the conveyance of the Mortgage Loans, the assignment of the Sale and Servicing Agreement to the extent of the Mortgage Loans by
Assignor to Depositor and by Depositor to Assignee, and the termination of the Sale and Servicing Agreement.


 


20.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.


 


21. 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.


 


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


 






    	22



    	 



    
 


23.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 #39153400, Sequoia
Mortgage Trust 2013-3 Distribution Account


 


24.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.


 


25.Helping Families Act Notice.
Assignor hereby requests that the Bank furnish each Mortgagor with the notice described in Subsection 6.04 of the Sale and
Servicing Agreement, in the form attached as Exhibit 8 thereto and using Christiana Trust, a division of Wilmington Savings Fund
Society, FSB, as trustee of the Sequoia Mortgage Trust 2013-3 as the investor name, in accordance with the terms of Subsection
6.04 therein, and the Bank hereby covenants that it shall furnish each Mortgagor with such notice as provided therein. Assignor
and Assignee each agree that it will not send such notices to the Mortgagors.


 






    	23



    	 



    
 


26.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 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 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 26 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.


 






    	24



    	 



    



 


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


 


	 	REDWOOD RESIDENTIAL ACQUISITION CORPORATION	 
	 	Assignor	 
	 	 	 	 
	 	By:	/s/ John Isbrandtsen	 
	 	Name:	John Isbrandtsen	 
	 	Title:	Authorized Officer	 
	 	 	 	 
	 	 	 	 
	 	SEQUOIA RESIDENTIAL FUNDING, INC.	 
	 	Depositor	 
	 	 	 	 
	 	By:	/s/ John Isbrandtsen	 
	 	Name:	John Isbrandtsen	 
	 	Title:	Authorized Officer	 
	 	 	 	 
	 	Christiana Trust, a division of Wilmington Savings Fund Society, FSB, not in its individual capacity but solely as Trustee,	 
	 	Assignee	 
	 	 	 	 
	 	By:	/s/ Jeffrey R. Everhart	 
	 	Name:	Jeffrey R. Everhart	 
	 	Title:	AVP	 
	 	 	 	 
	 	 	 	 
	 	FIRST REPUBLIC BANK	 
	 	 	 	 
	 	 	 	 
	 	By:	/s/ Tony Sachs	 
	 	Name:	Tony Sachs	 
	 	Title:	Vice President	 


 


Accepted and agreed to by:


 


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



 


 





Signature Page to Assignment, Assumption
and Recognition Agreement – First Republic (SEMT 2013-3)




 






    	 



    	 



    



  


ATTACHMENT 1


 


MORTGAGE LOAN SCHEDULE


  


	 	1	2	3	4	5	6	7	8	9	10
	 	Primary Servicer	Servicing Fee %	Servicing Fee—Flatdollar	Servicing Advance Methodology	Originator	Originator Name	Loan Number	Amortization Type	Lien Position	HELOC Indicator
	1	1002338	0.002500	 	 	1002338	First Republic	12-485623-3	1	1	0
	2	1002338	0.002500	 	 	1002338	First Republic	12-486860-0	1	1	0
	3	1002338	0.002500	 	 	1002338	First Republic	12-489895-3	1	1	0
	4	1002338	0.002500	 	 	1002338	First Republic	12-490871-1	1	1	0
	5	1002338	0.002500	 	 	1002338	First Republic	12-491833-0	1	1	0
	6	1002338	0.002500	 	 	1002338	First Republic	12-492388-4	1	1	0
	7	1002338	0.002500	 	 	1002338	First Republic	12-492394-2	1	1	0
	8	1002338	0.002500	 	 	1002338	First Republic	12-492872-7	1	1	0
	9	1002338	0.002500	 	 	1002338	First Republic	12-493022-8	1	1	0
	10	1002338	0.002500	 	 	1002338	First Republic	12-493101-0	1	1	0
	11	1002338	0.002500	 	 	1002338	First Republic	12-493108-5	1	1	0
	12	1002338	0.002500	 	 	1002338	First Republic	12-493125-9	1	1	0
	13	1002338	0.002500	 	 	1002338	First Republic	12-493136-6	1	1	0
	14	1002338	0.002500	 	 	1002338	First Republic	12-493154-9	1	1	0
	15	1002338	0.002500	 	 	1002338	First Republic	12-493371-9	1	1	0
	16	1002338	0.002500	 	 	1002338	First Republic	12-493480-8	1	1	0
	17	1002338	0.002500	 	 	1002338	First Republic	12-493597-9	1	1	0
	18	1002338	0.002500	 	 	1002338	First Republic	12-493639-9	1	1	0
	19	1002338	0.002500	 	 	1002338	First Republic	12-493696-9	1	1	0
	20	1002338	0.002500	 	 	1002338	First Republic	12-494102-7	1	1	0
	21	1002338	0.002500	 	 	1002338	First Republic	12-494187-8	1	1	0
	22	1002338	0.002500	 	 	1002338	First Republic	12-494225-6	1	1	0
	23	1002338	0.002500	 	 	1002338	First Republic	12-494227-2	1	1	0
	24	1002338	0.002500	 	 	1002338	First Republic	12-494290-0	1	1	0
	25	1002338	0.002500	 	 	1002338	First Republic	12-494401-3	1	1	0
	26	1002338	0.002500	 	 	1002338	First Republic	12-494438-5	1	1	0
	27	1002338	0.002500	 	 	1002338	First Republic	12-494449-2	1	1	0
	28	1002338	0.002500	 	 	1002338	First Republic	12-494479-9	1	1	0
	29	1002338	0.002500	 	 	1002338	First Republic	12-494498-9	1	1	0
	30	1002338	0.002500	 	 	1002338	First Republic	12-494507-7	1	1	0
	31	1002338	0.002500	 	 	1002338	First Republic	12-494521-8	1	1	0
	32	1002338	0.002500	 	 	1002338	First Republic	12-494526-7	1	1	0
	33	1002338	0.002500	 	 	1002338	First Republic	12-494551-5	1	1	0
	34	1002338	0.002500	 	 	1002338	First Republic	12-494566-3	1	1	0
	35	1002338	0.002500	 	 	1002338	First Republic	12-494572-1	1	1	0
	36	1002338	0.002500	 	 	1002338	First Republic	12-494579-6	1	1	0
	37	1002338	0.002500	 	 	1002338	First Republic	12-494624-0	1	1	0
	38	1002338	0.002500	 	 	1002338	First Republic	12-494632-3	1	1	0
	39	1002338	0.002500	 	 	1002338	First Republic	12-494736-2	1	1	0
	40	1002338	0.002500	 	 	1002338	First Republic	12-494788-3	1	1	0
	41	1002338	0.002500	 	 	1002338	First Republic	12-494830-3	1	1	0
	42	1002338	0.002500	 	 	1002338	First Republic	12-494914-5	1	1	0
	43	1002338	0.002500	 	 	1002338	First Republic	12-494937-6	1	1	0
	44	1002338	0.002500	 	 	1002338	First Republic	12-494942-6	1	1	0
	45	1002338	0.002500	 	 	1002338	First Republic	12-494987-1	1	1	0
	46	1002338	0.002500	 	 	1002338	First Republic	12-495000-2	1	1	0
	47	1002338	0.002500	 	 	1002338	First Republic	12-495004-4	1	1	0
	48	1002338	0.002500	 	 	1002338	First Republic	12-495015-0	1	1	0
	49	1002338	0.002500	 	 	1002338	First Republic	12-495040-8	1	1	0
	50	1002338	0.002500	 	 	1002338	First Republic	12-495112-5	1	1	0
	51	1002338	0.002500	 	 	1002338	First Republic	12-495128-1	1	1	0
	52	1002338	0.002500	 	 	1002338	First Republic	12-495159-6	1	1	0
	53	1002338	0.002500	 	 	1002338	First Republic	12-495249-5	1	1	0
	54	1002338	0.002500	 	 	1002338	First Republic	12-495386-5	1	1	0
	55	1002338	0.002500	 	 	1002338	First Republic	12-495637-1	1	1	0
	56	1002338	0.002500	 	 	1002338	First Republic	12-495680-1	1	1	0
	57	1002338	0.002500	 	 	1002338	First Republic	12-492309-0	1	1	0
	58	1002338	0.002500	 	 	1002338	First Republic	12-494499-7	1	1	0
	59	1002338	0.002500	 	 	1002338	First Republic	12-494578-8	1	1	0
	60	1002338	0.002500	 	 	1002338	First Republic	12-494621-6	1	1	0
	61	1002338	0.002500	 	 	1002338	First Republic	12-494613-3	1	1	0
	62	1002338	0.002500	 	 	1002338	First Republic	12-495143-0	1	1	0
	63	1002338	0.002500	 	 	1002338	First Republic	12-494979-8	1	1	0
	64	1002338	0.002500	 	 	1002338	First Republic	12-495181-0	1	1	0
	65	1002338	0.002500	 	 	1002338	First Republic	12-492185-4	1	1	0
	66	1002338	0.002500	 	 	1002338	First Republic	12-493939-3	1	1	0
	67	1002338	0.002500	 	 	1002338	First Republic	12-495208-1	1	1	0
	68	1002338	0.002500	 	 	1002338	First Republic	12-493728-0	1	1	0
	69	1002338	0.002500	 	 	1002338	First Republic	12-495297-4	1	1	0
	70	1002338	0.002500	 	 	1002338	First Republic	12-495144-8	1	1	0
	71	1002338	0.002500	 	 	1002338	First Republic	12-495205-7	1	1	0
	72	1002338	0.002500	 	 	1002338	First Republic	12-494214-0	1	1	0
	73	1002338	0.002500	 	 	1002338	First Republic	12-495568-8	1	1	0
	74	1002338	0.002500	 	 	1002338	First Republic	12-495663-7	1	1	0
	75	1002338	0.002500	 	 	1002338	First Republic	12-493708-2	1	1	0
	76	1002338	0.002500	 	 	1002338	First Republic	12-494767-7	1	1	0
	77	1002338	0.002500	 	 	1002338	First Republic	12-495103-4	1	1	0
	78	1002338	0.002500	 	 	1002338	First Republic	12-495743-7	1	1	0
	79	1002338	0.002500	 	 	1002338	First Republic	12-494719-8	1	1	0
	80	1002338	0.002500	 	 	1002338	First Republic	12-495720-5	1	1	0
	81	1002338	0.002500	 	 	1002338	First Republic	12-491084-0	1	1	0
	82	1002338	0.002500	 	 	1002338	First Republic	12-495789-0	1	1	0
	83	1002338	0.002500	 	 	1002338	First Republic	12-495944-1	1	1	0
	84	1002338	0.002500	 	 	1002338	First Republic	12-496058-9	1	1	0







 





	 	11	12	13	14	15	16	17	18	19	20	21	22
	 	Loan Purpose	Cash Out Amount	Total Origination and Discount Points	Covered/High Cost Loan Indicator	Relocation Loan Indicator	Broker Indicator	Channel	Escrow Indicator	Senior Loan
 Amount(s)	Loan Type of Most
 Senior Lien	Hybrid Period of
 Most Senior Lien (in
 months)	Neg Am Limit of
 Most Senior Lien
	1	9	 	 	 	 	 	1	0	0	 	 	 
	2	3	 	 	 	 	 	1	0	0	 	 	 
	3	9	 	 	 	 	 	1	0	0	 	 	 
	4	7	 	 	 	 	 	1	0	0	 	 	 
	5	9	 	 	 	 	 	1	0	0	 	 	 
	6	9	 	 	 	 	 	1	0	0	 	 	 
	7	9	 	 	 	 	 	1	0	0	 	 	 
	8	9	 	 	 	 	 	1	0	0	 	 	 
	9	3	 	 	 	 	 	1	0	0	 	 	 
	10	3	 	 	 	 	 	1	0	0	 	 	 
	11	3	 	 	 	 	 	1	0	0	 	 	 
	12	9	 	 	 	 	 	1	0	0	 	 	 
	13	6	 	 	 	 	 	1	0	0	 	 	 
	14	3	 	 	 	 	 	1	0	0	 	 	 
	15	7	 	 	 	 	 	1	1	0	 	 	 
	16	7	 	 	 	 	 	1	0	0	 	 	 
	17	7	 	 	 	 	 	1	0	0	 	 	 
	18	9	 	 	 	 	 	1	0	0	 	 	 
	19	6	 	 	 	 	 	1	0	0	 	 	 
	20	3	 	 	 	 	 	1	0	0	 	 	 
	21	9	 	 	 	 	 	1	0	0	 	 	 
	22	7	 	 	 	 	 	1	4	0	 	 	 
	23	7	 	 	 	 	 	1	0	0	 	 	 
	24	7	 	 	 	 	 	1	0	0	 	 	 
	25	7	 	 	 	 	 	1	0	0	 	 	 
	26	7	 	 	 	 	 	1	0	0	 	 	 
	27	9	 	 	 	 	 	1	0	0	 	 	 
	28	7	 	 	 	 	 	1	0	0	 	 	 
	29	6	 	 	 	 	 	1	0	0	 	 	 
	30	7	 	 	 	 	 	1	0	0	 	 	 
	31	9	 	 	 	 	 	1	0	0	 	 	 
	32	9	 	 	 	 	 	1	0	0	 	 	 
	33	7	 	 	 	 	 	1	0	0	 	 	 
	34	7	 	 	 	 	 	1	0	0	 	 	 
	35	7	 	 	 	 	 	1	0	0	 	 	 
	36	7	 	 	 	 	 	1	0	0	 	 	 
	37	9	 	 	 	 	 	1	0	0	 	 	 
	38	7	 	 	 	 	 	1	0	0	 	 	 
	39	6	 	 	 	 	 	1	0	0	 	 	 
	40	3	 	 	 	 	 	1	0	0	 	 	 
	41	7	 	 	 	 	 	1	0	0	 	 	 
	42	3	 	 	 	 	 	1	0	0	 	 	 
	43	9	 	 	 	 	 	1	0	0	 	 	 
	44	7	 	 	 	 	 	1	0	0	 	 	 
	45	7	 	 	 	 	 	1	0	0	 	 	 
	46	3	 	 	 	 	 	1	1	0	 	 	 
	47	9	 	 	 	 	 	1	1	0	 	 	 
	48	9	 	 	 	 	 	1	0	0	 	 	 
	49	6	 	 	 	 	 	1	0	0	 	 	 
	50	7	 	 	 	 	 	1	0	0	 	 	 
	51	9	 	 	 	 	 	1	0	0	 	 	 
	52	6	 	 	 	 	 	1	0	0	 	 	 
	53	7	 	 	 	 	 	1	0	0	 	 	 
	54	9	 	 	 	 	 	1	0	0	 	 	 
	55	6	 	 	 	 	 	1	0	0	 	 	 
	56	7	 	 	 	 	 	1	0	0	 	 	 
	57	6	 	 	 	 	 	1	0	0	 	 	 
	58	7	 	 	 	 	 	1	0	0	 	 	 
	59	9	 	 	 	 	 	1	0	0	 	 	 
	60	9	 	 	 	 	 	1	0	0	 	 	 
	61	9	 	 	 	 	 	1	0	0	 	 	 
	62	9	 	 	 	 	 	1	0	0	 	 	 
	63	9	 	 	 	 	 	1	0	0	 	 	 
	64	7	 	 	 	 	 	1	0	0	 	 	 
	65	9	 	 	 	 	 	1	0	0	 	 	 
	66	7	 	 	 	 	 	1	0	0	 	 	 
	67	7	 	 	 	 	 	1	0	0	 	 	 
	68	9	 	 	 	 	 	1	0	0	 	 	 
	69	9	 	 	 	 	 	1	0	0	 	 	 
	70	3	 	 	 	 	 	1	1	0	 	 	 
	71	7	 	 	 	 	 	1	0	0	 	 	 
	72	3	 	 	 	 	 	1	0	0	 	 	 
	73	3	 	 	 	 	 	1	0	0	 	 	 
	74	6	 	 	 	 	 	1	0	0	 	 	 
	75	7	 	 	 	 	 	1	0	0	 	 	 
	76	9	 	 	 	 	 	1	0	0	 	 	 
	77	3	 	 	 	 	 	1	0	0	 	 	 
	78	9	 	 	 	 	 	1	0	0	 	 	 
	79	7	 	 	 	 	 	1	0	0	 	 	 
	80	7	 	 	 	 	 	1	0	0	 	 	 
	81	3	 	 	 	 	 	1	0	0	 	 	 
	82	7	 	 	 	 	 	1	0	0	 	 	 
	83	9	 	 	 	 	 	1	0	0	 	 	 
	84	3	 	 	 	 	 	1	0	0	 	 	 







 





	 	23	24	25	26	27	28	29	30	31	32
	 	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	 	20121113	832250.00	0.039000	360	360	20130101	1	0
	2	0.00	 	20120808	625000.00	0.038500	240	240	20121001	1	0
	3	0.00	 	20121119	855000.00	0.038000	360	360	20130101	1	0
	4	0.00	 	20121121	2000000.00	0.036000	360	360	20130101	1	120
	5	350000.00	 	20121029	855000.00	0.037000	240	240	20130101	1	0
	6	800000.00	 	20121130	860000.00	0.037500	360	360	20130201	1	120
	7	0.00	 	20121107	705000.00	0.037500	360	360	20130101	1	0
	8	302272.00	 	20121203	680000.00	0.037500	360	360	20130201	1	0
	9	0.00	 	20121111	587500.00	0.038500	360	360	20130101	1	0
	10	250000.00	 	20121119	1035000.00	0.037500	360	360	20130101	1	0
	11	45000.00	 	20121128	800000.00	0.039000	360	360	20130201	1	120
	12	0.00	 	20121126	1694000.00	0.035500	360	360	20130201	1	0
	13	0.00	 	20121205	1936000.00	0.035000	360	360	20130201	1	0
	14	200000.00	 	20121121	920000.00	0.035500	360	360	20130101	1	0
	15	0.00	 	20121203	932000.00	0.035000	360	360	20130201	1	0
	16	0.00	 	20121113	678750.00	0.037000	360	360	20130101	1	0
	17	0.00	 	20121102	928968.00	0.035500	360	360	20121201	1	0
	18	0.00	 	20121128	990000.00	0.035000	360	360	20130201	1	0
	19	0.00	 	20121128	1405000.00	0.034500	360	360	20130101	1	0
	20	200000.00	 	20121127	740000.00	0.037500	360	360	20130201	1	0
	21	245000.00	 	20121210	710000.00	0.038000	360	360	20130201	1	0
	22	0.00	 	20121109	1000000.00	0.035500	360	360	20130101	1	0
	23	0.00	 	20121109	1316250.00	0.035500	360	360	20130101	1	0
	24	0.00	 	20121107	1100000.00	0.035000	360	360	20130101	1	0
	25	0.00	 	20121109	810400.00	0.036500	360	360	20130101	1	0
	26	0.00	 	20121108	1240000.00	0.035000	360	360	20130101	1	0
	27	32500.00	 	20121123	980000.00	0.037500	360	360	20130101	1	0
	28	0.00	 	20121120	1792500.00	0.037000	360	360	20130101	1	120
	29	0.00	 	20121102	924000.00	0.035000	360	360	20130101	1	0
	30	0.00	 	20121114	1560000.00	0.036500	360	360	20130101	1	120
	31	0.00	 	20121211	1000000.00	0.035500	360	360	20130201	1	0
	32	0.00	 	20121206	1125000.00	0.039000	360	360	20130201	1	120
	33	0.00	 	20121113	725000.00	0.046500	360	360	20130101	1	0
	34	0.00	 	20121108	960000.00	0.036500	360	360	20130101	1	0
	35	0.00	 	20121120	800000.00	0.039000	360	360	20130201	1	0
	36	0.00	 	20121212	792000.00	0.034500	360	360	20130201	1	0
	37	0.00	 	20121217	913000.00	0.037500	360	360	20130201	1	0
	38	0.00	 	20121109	1293750.00	0.037500	360	360	20130101	1	0
	39	263750.00	 	20121108	1150000.00	0.035000	360	360	20130101	1	0
	40	0.00	 	20121207	875000.00	0.037500	360	360	20130201	1	0
	41	0.00	 	20121113	456000.00	0.036500	360	360	20130101	1	0
	42	0.00	 	20121130	949000.00	0.037500	360	360	20130201	1	0
	43	0.00	 	20121127	790000.00	0.037500	360	360	20130201	1	0
	44	0.00	 	20121112	626500.00	0.035000	360	360	20130101	1	0
	45	100000.00	 	20121107	1000000.00	0.035000	360	360	20130101	1	0
	46	0.00	 	20121220	365000.00	0.040500	360	360	20130201	1	0
	47	0.00	 	20121220	372000.00	0.040500	360	360	20130201	1	0
	48	0.00	 	20121129	904000.00	0.037000	360	360	20130201	1	0
	49	0.00	 	20121113	1215000.00	0.033500	360	360	20130101	1	0
	50	0.00	 	20121113	480000.00	0.037000	360	360	20130101	1	0
	51	0.00	 	20121206	900000.00	0.039000	360	360	20130201	1	120
	52	0.00	 	20121120	1162500.00	0.033000	360	360	20130101	1	0
	53	0.00	 	20121205	1000000.00	0.037000	360	360	20130201	1	120
	54	0.00	 	20121203	716204.00	0.037500	360	360	20130201	1	0
	55	0.00	 	20121128	1136000.00	0.035500	360	360	20130201	1	0
	56	616000.00	 	20121119	1000000.00	0.035000	360	360	20130101	1	0
	57	0.00	 	20121108	1868000.00	0.036000	360	360	20130101	1	120
	58	0.00	 	20121221	1350000.00	0.037500	360	360	20130201	1	0
	59	0.00	 	20121204	525000.00	0.037500	360	360	20130201	1	0
	60	500000.00	 	20121227	710000.00	0.037500	360	360	20130301	1	0
	61	0.00	 	20121219	1095000.00	0.036500	360	360	20130201	1	0
	62	0.00	 	20121214	1904000.00	0.035000	360	360	20130201	1	0
	63	350000.00	 	20121206	1300000.00	0.037500	360	360	20130201	1	0
	64	0.00	 	20121217	520000.00	0.036500	360	360	20130201	1	0
	65	250000.00	 	20121204	1000000.00	0.036000	360	360	20130201	1	0
	66	200000.00	 	20121228	800000.00	0.036500	360	360	20130201	1	0
	67	160000.00	 	20121206	1200000.00	0.038000	360	360	20130201	1	120
	68	0.00	 	20121114	1515000.00	0.036500	360	360	20130101	1	0
	69	0.00	 	20121218	1060000.00	0.036000	360	360	20130201	1	0
	70	0.00	 	20121224	700000.00	0.037500	360	360	20130201	1	0
	71	0.00	 	20121214	952000.00	0.036500	360	360	20130201	1	0
	72	0.00	 	20130102	2000000.00	0.035500	360	360	20130301	1	0
	73	0.00	 	20130108	750000.00	0.034000	240	240	20130301	1	0
	74	0.00	 	20121214	840000.00	0.036000	360	360	20130201	1	0
	75	0.00	 	20121221	570000.00	0.037000	360	360	20130201	1	0
	76	0.00	 	20121217	845000.00	0.036000	360	360	20130201	1	0
	77	415000.00	 	20121205	972000.00	0.034500	360	360	20130201	1	0
	78	0.00	 	20121219	1032500.00	0.037500	360	360	20130201	1	120
	79	0.00	 	20121221	1820000.00	0.034500	360	360	20130201	1	0
	80	0.00	 	20121231	1179000.00	0.035000	360	360	20130201	1	0
	81	0.00	 	20121221	1000000.00	0.034000	360	360	20130201	1	0
	82	0.00	 	20121218	960000.00	0.035500	360	360	20130201	1	0
	83	0.00	 	20121218	740000.00	0.036500	360	360	20130201	1	0
	84	0.00	 	20130109	825000.00	0.034000	360	360	20130301	1	0







 





	 	33	34	35	36	37	38	39	40	41	42	43	44	45
	 	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	 	829804.74	0.039000	3925.46	20130201	0	0	 	 	 	 	 
	2	0	 	616279.47	0.038500	3738.16	20130201	0	0	 	 	 	 	 
	3	0	 	852443.08	0.038000	3983.94	20130201	0	0	 	 	 	 	 
	4	0	 	2000000.00	0.036000	6000.00	20130201	0	0	 	 	 	 	 
	5	0	 	850171.11	0.037000	5046.98	20130201	0	0	 	 	 	 	 
	6	0	 	860000.00	0.037500	2687.50	20130201	0	0	 	 	 	 	 
	7	0	 	702873.00	0.037500	3264.96	20130201	0	0	 	 	 	 	 
	8	0	 	678975.81	0.037500	3149.19	20130201	0	0	 	 	 	 	 
	9	0	 	585758.51	0.038500	2754.25	20130201	0	0	 	 	 	 	 
	10	0	 	1031877.38	0.037500	4793.25	20130201	0	0	 	 	 	 	 
	11	0	 	800000.00	0.039000	2600.00	20130201	0	0	 	 	 	 	 
	12	0	 	1691357.24	0.035500	7654.18	20130201	0	0	 	 	 	 	 
	13	0	 	1932953.16	0.035000	8693.51	20130201	0	0	 	 	 	 	 
	14	0	 	917125.21	0.035500	4156.93	20130201	0	0	 	 	 	 	 
	15	0	 	930533.23	0.035000	4185.10	20130201	0	0	 	 	 	 	 
	16	0	 	676684.08	0.037000	3124.17	20130201	0	0	 	 	 	 	 
	17	0	 	924607.34	0.035500	4197.45	20130201	0	0	 	 	 	 	 
	18	0	 	988441.95	0.035000	4445.54	20130201	0	0	 	 	 	 	 
	19	0	 	1400532.48	0.034500	6269.93	20130201	0	0	 	 	 	 	 
	20	0	 	738885.44	0.037500	3427.06	20130201	0	0	 	 	 	 	 
	21	0	 	708940.03	0.038000	3308.30	20130201	0	0	 	 	 	 	 
	22	0	 	996875.23	0.035500	4518.40	20130201	0	0	 	 	 	 	 
	23	0	 	1312137.04	0.035500	5947.35	20130201	0	0	 	 	 	 	 
	24	0	 	1096532.61	0.035000	4939.49	20130201	0	0	 	 	 	 	 
	25	0	 	807911.64	0.036500	3707.25	20130201	0	0	 	 	 	 	 
	26	0	 	1236091.32	0.035000	5568.15	20130201	0	0	 	 	 	 	 
	27	0	 	977043.31	0.037500	4538.53	20130201	0	0	 	 	 	 	 
	28	0	 	1792500.00	0.037000	5526.88	20130201	0	0	 	 	 	 	 
	29	0	 	920986.82	0.035000	4149.17	20130201	0	0	 	 	 	 	 
	30	0	 	1560000.00	0.036500	4745.00	20130201	0	0	 	 	 	 	 
	31	0	 	998439.92	0.035500	4518.40	20130201	0	0	 	 	 	 	 
	32	0	 	1125000.00	0.039000	3656.25	20130201	0	0	 	 	 	 	 
	33	0	 	723138.42	0.046500	3738.37	20130201	0	0	 	 	 	 	 
	34	0	 	957052.28	0.036500	4391.61	20130201	0	0	 	 	 	 	 
	35	0	 	798826.65	0.039000	3773.35	20130201	0	0	 	 	 	 	 
	36	0	 	790742.63	0.034500	3534.37	20130201	0	0	 	 	 	 	 
	37	0	 	911624.88	0.037500	4228.25	20130201	0	0	 	 	 	 	 
	38	0	 	1289846.73	0.037500	5991.56	20130201	0	0	 	 	 	 	 
	39	0	 	1146375.02	0.035000	5164.01	20130201	0	0	 	 	 	 	 
	40	0	 	873682.11	0.037500	4052.26	20130201	0	0	 	 	 	 	 
	41	0	 	454599.83	0.036500	2086.02	20130201	0	0	 	 	 	 	 
	42	0	 	947570.66	0.037500	4394.97	20130201	0	0	 	 	 	 	 
	43	0	 	788810.13	0.037500	3658.61	20130201	0	0	 	 	 	 	 
	44	0	 	624525.17	0.035000	2813.26	20130201	0	0	 	 	 	 	 
	45	0	 	996847.85	0.035000	4490.45	20130201	0	0	 	 	 	 	 
	46	0	 	364478.77	0.040500	1753.10	20130201	0	0	 	 	 	 	 
	47	0	 	371468.77	0.040500	1786.72	20130201	0	0	 	 	 	 	 
	48	0	 	902626.37	0.037000	4160.96	20130201	0	0	 	 	 	 	 
	49	0	 	1211068.94	0.033500	5354.67	20130201	0	0	 	 	 	 	 
	50	0	 	478539.03	0.037000	2209.36	20130201	0	0	 	 	 	 	 
	51	0	 	900000.00	0.039000	2925.00	20130201	0	0	 	 	 	 	 
	52	0	 	1158706.09	0.033000	5091.23	20130201	0	0	 	 	 	 	 
	53	0	 	1000000.00	0.037000	3083.33	20130201	0	0	 	 	 	 	 
	54	0	 	715125.25	0.037500	3316.85	20130201	0	0	 	 	 	 	 
	55	0	 	1134227.76	0.035500	5132.91	20130201	0	0	 	 	 	 	 
	56	0	 	996847.85	0.035000	4490.45	20130201	0	0	 	 	 	 	 
	57	0	 	1868000.00	0.036000	5604.00	20130201	0	0	 	 	 	 	 
	58	0	 	1347966.68	0.037500	6252.06	20130201	0	0	 	 	 	 	 
	59	0	 	524209.27	0.037500	2431.36	20130201	0	0	 	 	 	 	 
	60	0	 	710000.00	0.037500	3288.12	20130201	0	0	 	 	 	 	 
	61	0	 	1093321.44	0.036500	5009.18	20130201	0	0	 	 	 	 	 
	62	0	 	1901003.51	0.035000	8549.81	20130201	0	0	 	 	 	 	 
	63	0	 	1298041.99	0.037500	6020.50	20130201	0	0	 	 	 	 	 
	64	0	 	519202.88	0.036500	2378.79	20130201	0	0	 	 	 	 	 
	65	0	 	998453.54	0.036000	4546.45	20130201	0	0	 	 	 	 	 
	66	0	 	798773.65	0.036500	3659.68	20130201	0	0	 	 	 	 	 
	67	0	 	1200000.00	0.038000	3800.00	20130201	0	0	 	 	 	 	 
	68	0	 	1510348.15	0.036500	6930.51	20130201	0	0	 	 	 	 	 
	69	0	 	1058360.75	0.036000	4819.24	20130201	0	0	 	 	 	 	 
	70	0	 	698945.69	0.037500	3241.81	20130201	0	0	 	 	 	 	 
	71	0	 	950540.65	0.036500	4355.02	20130201	0	0	 	 	 	 	 
	72	0	 	2000000.00	0.035500	9036.81	20130201	0	0	 	 	 	 	 
	73	0	 	750000.00	0.034000	4311.26	20130201	0	0	 	 	 	 	 
	74	0	 	838700.97	0.036000	3819.02	20130201	0	0	 	 	 	 	 
	75	0	 	569133.88	0.037000	2623.61	20130201	0	0	 	 	 	 	 
	76	0	 	843693.24	0.036000	3841.75	20130201	0	0	 	 	 	 	 
	77	0	 	970456.86	0.034500	4337.63	20130201	0	0	 	 	 	 	 
	78	0	 	1032500.00	0.037500	3226.56	20130201	0	0	 	 	 	 	 
	79	0	 	1817110.59	0.034500	8121.90	20130201	0	0	 	 	 	 	 
	80	0	 	1177144.51	0.035000	5294.24	20130201	0	0	 	 	 	 	 
	81	0	 	998398.51	0.034000	4434.81	20130201	0	0	 	 	 	 	 
	82	0	 	958502.33	0.035500	4337.67	20130201	0	0	 	 	 	 	 
	83	0	 	738865.62	0.036500	3385.20	20130201	0	0	 	 	 	 	 
	84	0	 	825000.00	0.034000	3658.72	20130201	0	0	 	 	 	 	 







 





	 	46	47	48	49	50	51	52	53	54	55	56	57	58	59
	 	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	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	 	 	 	 	 	 	 	 	 	 	 	 	 	 
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	30	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	31	 	 	 	 	 	 	 	 	 	 	 	 	 	 
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	42	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	43	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	44	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	45	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	46	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	47	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	48	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	49	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	50	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	51	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	52	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	53	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	54	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	55	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	56	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	57	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	58	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	59	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	60	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	61	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	62	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	63	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	64	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	65	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	66	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	67	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	68	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	69	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	70	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	71	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	72	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	73	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	74	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	75	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	76	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	77	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	78	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	79	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	80	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	81	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	82	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	83	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	84	 	 	 	 	 	 	 	 	 	 	 	 	 	 







 





	 	60	61	62	63	64	65	66	67	68	69	70	71
	 	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	Primary Borrower ID	Number of
 Mortgaged
 Properties
	1	 	 	 	 	 	 	99	99	60	 	628	1
	2	 	 	 	 	 	 	99	99	60	 	733	1
	3	 	 	 	 	 	 	99	99	60	 	302	1
	4	 	 	 	 	 	 	99	99	60	 	1007	2
	5	 	 	 	 	 	 	99	99	60	 	720	1
	6	 	 	 	 	 	 	99	99	60	 	976	2
	7	 	 	 	 	 	 	99	99	60	 	517	3
	8	 	 	 	 	 	 	99	99	60	 	283	2
	9	 	 	 	 	 	 	 	 	0	 	26	2
	10	 	 	 	 	 	 	99	99	60	 	596	1
	11	 	 	 	 	 	 	99	99	60	 	11	1
	12	 	 	 	 	 	 	99	99	60	 	786	8
	13	 	 	 	 	 	 	99	99	60	 	483	1
	14	 	 	 	 	 	 	99	99	60	 	226	1
	15	 	 	 	 	 	 	99	99	60	 	52	1
	16	 	 	 	 	 	 	99	99	60	 	1035	1
	17	 	 	 	 	 	 	99	99	60	 	243	3
	18	 	 	 	 	 	 	99	99	60	 	941	1
	19	 	 	 	 	 	 	99	99	60	 	87	1
	20	 	 	 	 	 	 	99	99	60	 	40	1
	21	 	 	 	 	 	 	99	99	60	 	837	4
	22	 	 	 	 	 	 	99	99	60	 	171	1
	23	 	 	 	 	 	 	99	99	60	 	163	2
	24	 	 	 	 	 	 	99	99	60	 	501	3
	25	 	 	 	 	 	 	99	99	60	 	264	1
	26	 	 	 	 	 	 	99	99	60	 	819	3
	27	 	 	 	 	 	 	99	99	60	 	856	1
	28	 	 	 	 	 	 	99	99	60	 	142	1
	29	 	 	 	 	 	 	99	99	60	 	240	1
	30	 	 	 	 	 	 	99	99	60	 	338	2
	31	 	 	 	 	 	 	99	99	60	 	88	1
	32	 	 	 	 	 	 	99	99	60	 	224	3
	33	 	 	 	 	 	 	 	 	0	 	704	5
	34	 	 	 	 	 	 	99	99	60	 	374	1
	35	 	 	 	 	 	 	99	99	60	 	968	1
	36	 	 	 	 	 	 	99	99	60	 	51	1
	37	 	 	 	 	 	 	99	99	60	 	204	1
	38	 	 	 	 	 	 	99	99	60	 	875	1
	39	 	 	 	 	 	 	99	99	60	 	319	1
	40	 	 	 	 	 	 	99	99	60	 	910	1
	41	 	 	 	 	 	 	99	99	60	 	1040	2
	42	 	 	 	 	 	 	99	99	60	 	497	1
	43	 	 	 	 	 	 	99	99	60	 	624	2
	44	 	 	 	 	 	 	99	99	60	 	184	1
	45	 	 	 	 	 	 	99	99	60	 	846	2
	46	 	 	 	 	 	 	99	99	60	 	900	4
	47	 	 	 	 	 	 	99	99	60	 	900	4
	48	 	 	 	 	 	 	99	99	60	 	882	3
	49	 	 	 	 	 	 	99	99	60	 	435	1
	50	 	 	 	 	 	 	99	99	60	 	718	1
	51	 	 	 	 	 	 	99	99	60	 	195	1
	52	 	 	 	 	 	 	99	99	60	 	251	1
	53	 	 	 	 	 	 	99	99	60	 	712	2
	54	 	 	 	 	 	 	99	99	60	 	926	1
	55	 	 	 	 	 	 	99	99	60	 	1038	1
	56	 	 	 	 	 	 	99	99	60	 	808	1
	57	 	 	 	 	 	 	99	99	60	 	1031	1
	58	 	 	 	 	 	 	99	99	60	 	1113	2
	59	 	 	 	 	 	 	99	99	60	 	1112	2
	60	 	 	 	 	 	 	99	99	60	 	1111	2
	61	 	 	 	 	 	 	 	 	0	 	281	1
	62	 	 	 	 	 	 	99	99	60	 	620	1
	63	 	 	 	 	 	 	99	99	60	 	1103	3
	64	 	 	 	 	 	 	99	99	60	 	1102	1
	65	 	 	 	 	 	 	99	99	60	 	1101	2
	66	 	 	 	 	 	 	99	99	60	 	167	2
	67	 	 	 	 	 	 	99	99	60	 	55	2
	68	 	 	 	 	 	 	 	 	0	 	937	1
	69	 	 	 	 	 	 	99	99	60	 	1100	1
	70	 	 	 	 	 	 	99	99	60	 	1098	2
	71	 	 	 	 	 	 	99	99	60	 	72	2
	72	 	 	 	 	 	 	99	99	60	 	1093	1
	73	 	 	 	 	 	 	99	99	60	 	879	1
	74	 	 	 	 	 	 	99	99	60	 	12	1
	75	 	 	 	 	 	 	99	99	60	 	181	2
	76	 	 	 	 	 	 	99	99	60	 	775	1
	77	 	 	 	 	 	 	 	 	0	 	738	1
	78	 	 	 	 	 	 	99	99	60	 	925	1
	79	 	 	 	 	 	 	99	99	24	 	148	1
	80	 	 	 	 	 	 	 	 	0	 	793	2
	81	 	 	 	 	 	 	99	99	60	 	103	1
	82	 	 	 	 	 	 	99	99	60	 	418	3
	83	 	 	 	 	 	 	99	99	60	 	816	2
	84	 	 	 	 	 	 	99	99	60	 	1091	2







 





	 	72	73	74	75	76	77	78	79	80	81	82	83
	 	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	Secondary Wage
 Earner Original
 FICO: Equifax
	1	 	0	 	3.5	 	0	1	 	 	 	 	 
	2	 	0	 	5	 	18	1	2/6/2013	 	 	 	 
	3	 	0	 	10	 	2	1	 	 	 	 	 
	4	 	1	 	11	 	0	1	 	 	 	 	 
	5	 	0	 	14	 	0	1	 	 	 	 	 
	6	 	0	 	6	 	0	1	 	 	 	 	 
	7	 	0	 	9	 	0	1	 	 	 	 	 
	8	 	0	 	1	1	8	1	 	 	 	 	 
	9	 	1	 	22	 	0	1	 	 	 	 	 
	10	 	0	 	19	6	0	1	 	 	 	 	 
	11	 	0	 	1.5	2	0	1	 	 	 	 	 
	12	 	0	 	0	16	5	1	 	 	 	 	 
	13	 	1	 	7	 	0	1	 	 	 	 	 
	14	 	0	 	0	 	18	1	 	 	 	 	 
	15	 	0	 	2	3	0	1	 	 	 	 	 
	16	 	0	 	2	 	0	1	 	 	 	 	 
	17	 	0	 	6	 	0	1	 	 	 	 	 
	18	 	0	 	22	 	5	1	 	 	 	 	 
	19	 	0	 	2	1	0	1	 	 	 	 	 
	20	 	1	 	18	14	8	1	 	 	 	 	 
	21	 	0	 	0.25	2.5	3	1	 	 	 	 	 
	22	 	0	 	5.5	 	0	1	 	 	 	 	 
	23	 	0	 	13	30	0	1	 	 	 	 	 
	24	 	0	 	0	 	0	1	 	 	 	 	 
	25	 	0	 	0.25	 	0	1	 	 	 	 	 
	26	 	0	 	3	1.5	0	1	 	 	 	 	 
	27	 	0	 	3	 	2	1	 	 	 	 	 
	28	 	0	 	4	 	0	1	 	 	 	 	 
	29	 	0	 	2.5	0	0	1	 	 	 	 	 
	30	 	0	 	4.5	 	0	1	 	 	 	 	 
	31	 	0	 	7	 	1	1	 	 	 	 	 
	32	 	1	 	5	 	4	1	 	 	 	 	 
	33	 	0	 	40	 	0	1	 	 	 	 	 
	34	 	0	 	6.5	 	0	1	 	 	 	 	 
	35	 	0	 	3	 	0	1	 	 	 	 	 
	36	 	0	 	6	 	0	1	 	 	 	 	 
	37	 	1	 	6	8	1	1	 	 	 	 	 
	38	 	1	 	12	 	0	1	 	 	 	 	 
	39	 	0	 	3.5	1	0	1	 	 	 	 	 
	40	 	1	 	7	 	5	1	 	 	 	 	 
	41	 	0	 	9	 	0	1	 	 	 	 	 
	42	 	1	 	24	 	0	1	 	 	 	 	 
	43	 	0	 	20	15	25	1	 	 	 	 	 
	44	 	0	 	2	 	0	1	 	 	 	 	 
	45	 	1	 	26	6	0	1	 	 	 	 	 
	46	 	1	 	13	12	0	1	 	 	 	 	 
	47	 	1	 	13	12	0	1	 	 	 	 	 
	48	 	0	 	9	0	1	1	 	 	 	 	 
	49	 	0	 	4	2	0	1	 	 	 	 	 
	50	 	0	 	12	2	0	1	 	 	 	 	 
	51	 	1	 	7	10	14	1	 	 	 	 	 
	52	 	0	 	1.5	0.5	0	1	 	 	 	 	 
	53	 	0	 	1.5	 	0	1	 	 	 	 	 
	54	 	0	 	4.5	11	1	1	 	 	 	 	 
	55	 	0	 	0.25	2	0	1	 	 	 	 	 
	56	 	0	 	18	 	0	1	 	 	 	 	 
	57	 	0	 	1	3	0	1	 	 	 	 	 
	58	 	0	 	23	 	0	1	 	 	 	 	 
	59	 	0	 	20	 	0	1	 	 	 	 	 
	60	 	1	 	15	2.5	10	1	 	 	 	 	 
	61	 	0	 	0	5	12	1	 	 	 	 	 
	62	 	0	 	2.5	0	1	1	 	 	 	 	 
	63	 	0	 	7	 	7	1	 	 	 	 	 
	64	 	0	 	11	 	0	1	 	 	 	 	 
	65	 	0	 	12	 	3	1	 	 	 	 	 
	66	 	0	 	0	 	0	1	 	 	 	 	 
	67	 	0	 	7	 	0	1	 	 	 	 	 
	68	 	0	 	40	20	15	1	 	 	 	 	 
	69	 	1	 	4	 	2	1	 	 	 	 	 
	70	 	0	 	2.5	 	0	1	 	 	 	 	 
	71	 	0	 	3.5	 	0	1	 	 	 	 	 
	72	 	0	 	4	1	11	1	 	 	 	 	 
	73	 	1	 	48	 	28	1	 	 	 	 	 
	74	 	0	 	1.5	6	0	1	 	 	 	 	 
	75	 	0	 	12	26	0	1	 	 	 	 	 
	76	 	0	 	3	 	0	1	 	 	 	 	 
	77	 	1	 	4	2	7	1	 	 	 	 	 
	78	 	1	 	36	6	10	1	 	 	 	 	 
	79	 	0	 	7	 	0	1	 	 	 	 	 
	80	 	0	 	12	1	0	1	 	 	 	 	 
	81	 	0	 	2.5	 	0	1	 	 	 	 	 
	82	 	0	 	1.5	0	0	1	 	 	 	 	 
	83	 	0	 	12	 	6	1	 	 	 	 	 
	84	 	0	 	6	 	5	1	 	 	 	 	 







 





	 	84	85	86	87	88	89	90	91	92	93	94	95
	 	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	Credit Report:
 Maximum Trade
 Line
	1	 	 	736	 	 	 	 	 	 	 	 	 
	2	 	 	797	795	 	3	 	 	 	 	 	 
	3	 	 	771	 	 	 	 	 	 	 	 	 
	4	 	 	786	 	 	 	 	 	 	 	 	 
	5	 	 	757	 	 	 	 	 	 	 	 	 
	6	 	 	768	 	 	 	 	 	 	 	 	 
	7	 	 	774	 	 	 	 	 	 	 	 	 
	8	 	 	783	 	 	 	 	 	 	 	 	 
	9	 	 	749	 	 	 	 	 	 	 	 	 
	10	 	 	771	 	 	 	 	 	 	 	 	 
	11	 	 	791	 	 	 	 	 	 	 	 	 
	12	 	 	756	 	 	 	 	 	 	 	 	 
	13	 	 	816	 	 	 	 	 	 	 	 	 
	14	 	 	814	 	 	 	 	 	 	 	 	 
	15	 	 	754	 	 	 	 	 	 	 	 	 
	16	 	 	782	 	 	 	 	 	 	 	 	 
	17	 	 	778	 	 	 	 	 	 	 	 	 
	18	 	 	806	 	 	 	 	 	 	 	 	 
	19	 	 	804	 	 	 	 	 	 	 	 	 
	20	 	 	806	 	 	 	 	 	 	 	 	 
	21	 	 	806	 	 	 	 	 	 	 	 	 
	22	 	 	757	 	 	 	 	 	 	 	 	 
	23	 	 	754	 	 	 	 	 	 	 	 	 
	24	 	 	758	 	 	 	 	 	 	 	 	 
	25	 	 	784	 	 	 	 	 	 	 	 	 
	26	 	 	767	 	 	 	 	 	 	 	 	 
	27	 	 	794	 	 	 	 	 	 	 	 	 
	28	 	 	812	 	 	 	 	 	 	 	 	 
	29	 	 	772	 	 	 	 	 	 	 	 	 
	30	 	 	779	 	 	 	 	 	 	 	 	 
	31	 	 	793	 	 	 	 	 	 	 	 	 
	32	 	 	774	 	 	 	 	 	 	 	 	 
	33	 	 	728	 	 	 	 	 	 	 	 	 
	34	 	 	804	 	 	 	 	 	 	 	 	 
	35	 	 	806	 	 	 	 	 	 	 	 	 
	36	 	 	779	 	 	 	 	 	 	 	 	 
	37	 	 	797	 	 	 	 	 	 	 	 	 
	38	 	 	798	 	 	 	 	 	 	 	 	 
	39	 	 	799	 	 	 	 	 	 	 	 	 
	40	 	 	781	 	 	 	 	 	 	 	 	 
	41	 	 	769	 	 	 	 	 	 	 	 	 
	42	 	 	774	 	 	 	 	 	 	 	 	 
	43	 	 	725	 	 	 	 	 	 	 	 	 
	44	 	 	789	 	 	 	 	 	 	 	 	 
	45	 	 	762	 	 	 	 	 	 	 	 	 
	46	 	 	751	 	 	 	 	 	 	 	 	 
	47	 	 	751	 	 	 	 	 	 	 	 	 
	48	 	 	779	 	 	 	 	 	 	 	 	 
	49	 	 	767	 	 	 	 	 	 	 	 	 
	50	 	 	711	 	 	 	 	 	 	 	 	 
	51	 	 	791	 	 	 	 	 	 	 	 	 
	52	 	 	799	 	 	 	 	 	 	 	 	 
	53	 	 	761	 	 	 	 	 	 	 	 	 
	54	 	 	786	 	 	 	 	 	 	 	 	 
	55	 	 	781	 	 	 	 	 	 	 	 	 
	56	 	 	789	 	 	 	 	 	 	 	 	 
	57	 	 	693	 	 	 	 	 	 	 	 	 
	58	 	 	762	 	 	 	 	 	 	 	 	 
	59	 	 	796	 	 	 	 	 	 	 	 	 
	60	 	 	783	 	 	 	 	 	 	 	 	 
	61	 	 	801	 	 	 	 	 	 	 	 	 
	62	 	 	772	 	 	 	 	 	 	 	 	 
	63	 	 	770	 	 	 	 	 	 	 	 	 
	64	 	 	714	 	 	 	 	 	 	 	 	 
	65	 	 	722	 	 	 	 	 	 	 	 	 
	66	 	 	783	 	 	 	 	 	 	 	 	 
	67	 	 	725	 	 	 	 	 	 	 	 	 
	68	 	 	790	 	 	 	 	 	 	 	 	 
	69	 	 	776	 	 	 	 	 	 	 	 	 
	70	 	 	725	 	 	 	 	 	 	 	 	 
	71	 	 	796	 	 	 	 	 	 	 	 	 
	72	 	 	806	 	 	 	 	 	 	 	 	 
	73	 	 	810	 	 	 	 	 	 	 	 	 
	74	 	 	768	 	 	 	 	 	 	 	 	 
	75	 	 	798	 	 	 	 	 	 	 	 	 
	76	 	 	801	 	 	 	 	 	 	 	 	 
	77	 	 	683	 	 	 	 	 	 	 	 	 
	78	 	 	811	 	 	 	 	 	 	 	 	 
	79	 	 	806	 	 	 	 	 	 	 	 	 
	80	 	 	760	 	 	 	 	 	 	 	 	 
	81	 	 	706	 	 	 	 	 	 	 	 	 
	82	 	 	812	 	 	 	 	 	 	 	 	 
	83	 	 	781	 	 	 	 	 	 	 	 	 
	84	 	 	813	 	 	 	 	 	 	 	 	 







 













	 	96	97	98	99	100	101	102	103	104	105	106	107
	 	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	4506-T Indicator
	1	 	 	000000000000	 	 	22958	 	0	 	22958	22958	1
	2	 	 	000000000000	 	 	16055	 	0	 	16055	16055	0
	3	 	 	000000000000	 	 	19230	 	0	 	19230	19230	0
	4	 	 	000000000000	 	 	51006.77	 	0	 	51006.77	51006.77	1
	5	 	 	000000000000	 	 	24246.55	0	0	0	24246.55	24246.55	0
	6	 	 	000000000000	 	 	36848	 	22175	 	36848	59023	0
	7	 	 	000000000000	 	 	0	 	494552	 	0	494552	0
	8	 	 	000000000000	 	 	0	33413.67	0	0	33413.67	33413.67	1
	9	 	 	000000000000	 	 	0	 	36980.83	 	0	36980.83	0
	10	 	 	000000000000	 	 	24833.34	4201.66	0	0	29035	29035	1
	11	 	 	000000000000	 	 	15000	13750	0	0	28750	28750	1
	12	 	 	000000000000	 	 	4721.38	5963	27610.17	0	10684.38	38294.55	1
	13	 	 	000000000000	 	 	45909.56	 	0	 	45909.56	45909.56	0
	14	 	 	000000000000	 	 	44509	0	0	0	44509	44509	0
	15	 	 	000000000000	 	 	16666.67	10416.66	0	0	27083.33	27083.33	1
	16	 	 	000000000000	 	 	11250	 	0	 	11250	11250	1
	17	 	 	000000000000	 	 	88774.36	 	0	 	88774.36	88774.36	1
	18	 	 	000000000000	 	 	27500	0	0	0	27500	27500	0
	19	 	 	000000000000	 	 	10577	12500	0	0	23077	23077	0
	20	 	 	000000000000	 	 	18637.58	0	0	0	18637.58	18637.58	0
	21	 	 	000000000000	 	 	11166.68	7438.05	0	0	18604.73	18604.73	0
	22	 	 	000000000000	 	 	14167	 	12750	 	14167	26917	1
	23	 	 	000000000000	 	 	0	17191.92	125000	0	17191.92	142191.9	0
	24	 	 	000000000000	 	 	19767	 	0	 	19767	19767	0
	25	 	 	000000000000	 	 	14984	 	0	 	14984	14984	0
	26	 	 	000000000000	 	 	18247.15	0	7644	0	18247.15	25891.15	1
	27	 	 	000000000000	 	 	25923.96	0	0	0	25923.96	25923.96	0
	28	 	 	000000000000	 	 	31250	 	0	 	31250	31250	1
	29	 	 	000000000000	 	 	16183.34	3333.32	4791.67	0	19516.66	24308.33	1
	30	 	 	000000000000	 	 	20000	0	13738.56	0	20000	33738.56	1
	31	 	 	000000000000	 	 	25000	0	70000	0	25000	95000	1
	32	 	 	000000000000	 	 	21312	0	0	0	21312	21312	0
	33	 	 	000000000000	 	 	21982.9	 	29236.17	 	21982.9	51219.07	1
	34	 	 	000000000000	 	 	16700	 	0	 	16700	16700	0
	35	 	 	000000000000	 	 	32424	0	1437.5	0	32424	33861.5	1
	36	 	 	000000000000	 	 	11444	 	0	 	11444	11444	0
	37	 	 	000000000000	 	 	17583	0	0	0	17583	17583	0
	38	 	 	000000000000	 	 	75313.97	0	0	0	75313.97	75313.97	0
	39	 	 	000000000000	 	 	23749.92	10416.67	0	0	34166.59	34166.59	1
	40	 	 	000000000000	 	 	17500	0	0	0	17500	17500	0
	41	 	 	000000000000	 	 	20833.34	 	0	 	20833.34	20833.34	1
	42	 	 	000000000000	 	 	24285	0	0	0	24285	24285	1
	43	 	 	000000000000	 	 	14671.08	13806	0	0	28477.08	28477.08	1
	44	 	 	000000000000	 	 	22956	 	0	 	22956	22956	0
	45	 	 	000000000000	 	 	66666.67	2166.67	0	0	68833.34	68833.34	1
	46	 	 	000000000000	 	 	34634.33	0	0	0	34634.33	34634.33	0
	47	 	 	000000000000	 	 	53738	0	0	0	53738	53738	1
	48	 	 	000000000000	 	 	7159	1280	15493	0	8439	23932	0
	49	 	 	000000000000	 	 	12435	16376	0	0	28811	28811	0
	50	 	 	000000000000	 	 	14018.75	8138.17	0	0	22156.92	22156.92	0
	51	 	 	000000000000	 	 	0	0	30349.33	0	0	30349.33	0
	52	 	 	000000000000	 	 	12928	7333	0	0	20261	20261	0
	53	 	 	000000000000	 	 	0	 	24984	 	0	24984	0
	54	 	 	000000000000	 	 	9791.67	10800	0	0	20591.67	20591.67	0
	55	 	 	000000000000	 	 	20416.66	13500	0	0	33916.66	33916.66	1
	56	 	 	000000000000	 	 	18750	0	22354.17	0	18750	41104.17	0
	57	 	 	000000000000	 	 	0	0	41666	0	0	41666	0
	58	 	 	000000000000	 	 	79362.84	0	0	0	79362.84	79362.84	1
	59	 	 	000000000000	 	 	0	0	0	20758.42	0	20758.42	1
	60	 	 	000000000000	 	 	18049.06	12500	0	0	30549.06	30549.06	1
	61	 	 	000000000000	 	 	0	0	30761	0	0	30761	1
	62	 	 	000000000000	 	 	25000	16666.66	0	0	41666.66	41666.66	1
	63	 	 	000000000000	 	 	0	0	86281	0	0	86281	0
	64	 	 	000000000000	 	 	16666.67	 	0	 	16666.67	16666.67	1
	65	 	 	000000000000	 	 	29938	0	0	0	29938	29938	1
	66	 	 	000000000000	 	 	44250	 	0	 	44250	44250	1
	67	 	 	000000000000	 	 	0	0	156047	0	0	156047	0
	68	 	 	000000000000	 	 	0	0	47664	0	0	47664	0
	69	 	 	000000000000	 	 	72150.96	 	0	 	72150.96	72150.96	1
	70	 	 	000000000000	 	 	33333	 	19728	 	33333	53061	1
	71	 	 	000000000000	 	 	0	0	22314	0	0	22314	0
	72	 	 	000000000000	 	 	18750	0	227831	0	18750	246581	1
	73	 	 	000000000000	 	 	0	0	36228.76	0	0	36228.76	0
	74	 	 	000000000000	 	 	0	0	19166	17500	0	36666	0
	75	 	 	000000000000	 	 	0	0	31611.45	13611.55	0	45223	0
	76	 	 	000000000000	 	 	13600	 	0	 	13600	13600	1
	77	 	 	000000000000	 	 	12500	8384	3018	0	20884	23902	0
	78	 	 	000000000000	 	 	0	0	20423	1666	0	22089	0
	79	 	 	000000000000	 	 	0	0	108333	0	0	108333	0
	80	 	 	000000000000	 	 	15333.34	0	11632	0	15333.34	26965.34	1
	81	 	 	000000000000	 	 	8333.34	 	33333.66	 	8333.34	41667	1
	82	 	 	000000000000	 	 	25000	4732.68	0	0	29732.68	29732.68	1
	83	 	 	000000000000	 	 	8056.67	5417.25	0	0	13473.92	13473.92	1
	84	 	 	000000000000	 	 	15155	 	2997	 	15155	18152	1







 





	 	108	109	110	111	112	113	114	115	116	117	118
	 	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
	1	5	 	2	 	4	 	446164.1	6657.45	0.289984	 	 
	2	5	 	2	 	4	 	470432.6	4600.58	0.286551	 	 
	3	5	 	2	 	4	 	684469.1	6517.32	0.338914	 	 
	4	5	 	2	 	4	 	671531.5	14514.44	0.284559	 	 
	5	5	 	2	 	4	 	120157.5	8537.23	0.352101	 	 
	6	5	 	2	 	4	 	77232.55	15150.14	0.256682	 	 
	7	5	 	2	 	4	 	233260	28808.15	0.058251	 	 
	8	5	 	2	 	4	 	303912.5	11702.67	0.350236	 	 
	9	4	 	2	 	4	 	285252.7	9296.39	0.251384	 	 
	10	5	 	2	 	4	 	92980.56	9414.8	0.324257	 	 
	11	5	 	2	 	4	 	152001.3	7001.17	0.243519	 	 
	12	5	 	3	 	4	 	2416618	9708.63	0.253525	 	 
	13	4	 	2	 	4	 	756398.8	11598.5	0.252638	 	 
	14	5	 	3	 	4	 	1664308	7955.94	0.178749	 	 
	15	5	 	3	 	4	 	200409.6	6704.53	0.247552	 	 
	16	5	 	3	 	4	 	316039.8	4453.49	0.395866	 	 
	17	5	 	2	 	4	 	517731.6	13226.85	0.148994	 	 
	18	5	 	2	 	4	 	410251.1	6046.56	0.219875	 	 
	19	5	 	2	 	4	 	545772.7	9223.53	0.399685	 	 
	20	4	 	2	 	4	 	60028	6465.06	0.346883	 	 
	21	5	 	3	 	4	 	148676	6925.91	0.372266	 	 
	22	5	 	2	 	4	 	5323026	7414.93	0.275474	 	 
	23	5	 	2	 	4	 	8826672	25243.76	0.177533	 	 
	24	5	 	2	 	4	 	1191736	8786.73	0.444515	 	 
	25	5	 	2	 	4	 	393670.8	5465.8	0.364776	 	 
	26	5	 	2	 	4	 	254677	11670.82	0.450765	 	 
	27	5	 	3	 	4	 	619910.7	9638.94	0.371816	 	 
	28	5	 	2	 	4	 	1925516	8226.91	0.263261	 	 
	29	5	 	2	 	3	 	163878.4	8266.46	0.340067	 	 
	30	5	 	3	 	4	 	554719.3	8898.58	0.263751	 	 
	31	5	 	2	 	4	 	1427852	6450.79	0.067903	 	 
	32	4	 	2	 	4	 	1006557	7840	0.367868	 	 
	33	5	 	2	 	4	 	1230536	20177.8	0.393951	 	 
	34	5	 	2	 	4	 	740190.6	6125.63	0.366804	 	 
	35	5	 	2	 	4	 	571985.8	6999.88	0.206721	 	 
	36	5	 	2	 	4	 	153726.7	5006.37	0.437467	 	 
	37	4	 	2	 	4	 	892637.7	5934.98	0.337541	 	 
	38	4	 	2	 	4	 	2267820	6538.76	0.086820	 	 
	39	5	 	2	 	4	 	232176.4	8883.55	0.260007	 	 
	40	4	 	2	 	4	 	244845.2	7730.9	0.441766	 	 
	41	5	 	2	 	4	 	2041685	6974.77	0.334789	 	 
	42	4	 	2	 	4	 	348039.6	6340.18	0.261074	 	 
	43	5	 	2	 	3	 	275115.1	8167.57	0.286812	 	 
	44	5	 	2	 	4	 	300789.3	5633.47	0.245403	 	 
	45	4	 	2	 	4	 	291042.7	11070.4	0.160829	 	 
	46	4	 	2	 	4	 	852884	5177.76	0.149498	 	 
	47	4	 	2	 	4	 	224879.2	11098.03	0.206521	 	 
	48	5	 	2	 	4	 	1056089	5844.7	0.244221	 	 
	49	5	 	2	 	4	 	342745	7379.74	0.256143	 	 
	50	5	 	2	 	4	 	58501.36	6506.16	0.293640	 	 
	51	4	 	2	 	4	 	4663554	4369.03	0.143958	 	 
	52	5	 	2	 	4	 	600055.2	7194.24	0.355078	 	 
	53	5	 	2	 	4	 	1382277	8158.78	0.326560	 	 
	54	5	 	3	 	4	 	151763.7	4374.87	0.212458	 	 
	55	5	 	3	 	4	 	151439.3	7228.73	0.213132	 	 
	56	5	 	2	 	4	 	233509.8	13930.08	0.338897	 	 
	57	5	 	2	 	4	 	1734123	8427.37	0.202260	 	 
	58	5	 	2	 	4	 	1733745	14071.51	0.177306	 	 
	59	5	 	3	 	4	 	883256.4	5447.4	0.262419	 	 
	60	4	 	2	 	4	 	86543.48	12723.23	0.416485	 	 
	61	5	 	2	 	4	 	1167789	8637.69	0.280800	 	 
	62	5	 	2	 	4	 	470171.1	12516.33	0.300392	 	 
	63	5	 	2	 	4	 	249696.6	22460.93	0.260323	 	 
	64	5	 	2	 	4	 	225737	5290.87	0.317452	 	 
	65	5	 	2	 	4	 	1698720	11454.04	0.382592	 	 
	66	5	 	3	 	4	 	318592.2	10559.55	0.238634	 	 
	67	5	 	2	 	4	 	2259889	14353.83	0.091984	 	 
	68	5	 	2	 	4	 	2152050	10741.99	0.225369	 	 
	69	4	 	2	 	4	 	844025.2	6732.69	0.093314	 	 
	70	5	 	2	 	4	 	568612	7345.13	0.138428	 	 
	71	5	 	2	 	4	 	171370.6	10203.88	0.457286	 	 
	72	5	 	2	 	4	 	38869883	16165.11	0.065557	 	 
	73	4	 	2	 	4	 	382305	8190.53	0.226078	 	 
	74	5	 	2	 	4	 	340308	5829.01	0.158976	 	 
	75	5	 	2	 	4	 	1053987	20439.39	0.451969	 	 
	76	5	 	2	 	4	 	313655.9	5330.85	0.391974	 	 
	77	5	 	2	 	3	 	919908.5	10817.23	0.452566	 	 
	78	4	 	2	 	4	 	840860.2	5201.36	0.235473	 	 
	79	5	 	2	 	4	 	4225121	10616.96	0.098003	 	 
	80	5	 	2	 	4	 	696065.2	10366.31	0.384431	 	 
	81	5	 	2	 	4	 	704249.7	6326.76	0.151841	 	 
	82	5	 	2	 	4	 	124026	9875.92	0.332157	 	 
	83	5	 	2	 	3	 	207772.1	4883.93	0.362473	 	 
	84	5	 	2	 	4	 	250785.3	4773.07	0.262950	 	 







 





	 	119	120	121	122	123	124	125	126	127	128	129	130
	 	Percentage of Down
 Payment from
 Borrower Own
 Funds	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
	1	 	BROOKLYN	NY	11201	4	1	 	1100000.00	3	20120724	 	 
	2	 	SAUSALITO	CA	94965	1	1	 	970000.00	3	20120720	 	 
	3	 	SAN FRANCISCO	CA	94118	1	1	 	1265000.00	3	20120830	 	 
	4	100	DIABLO	CA	94528	1	1	2550000.00	2550000.00	3	20121107	 	 
	5	 	LARKSPUR	CA	94939	1	1	 	2050000.00	3	20121005	 	 
	6	 	WASHINGTON	DC	20008	12	1	 	2700000.00	3	20121011	 	 
	7	 	MILL VALLEY	CA	94941	1	2	 	2700000.00	3	20120927	 	 
	8	 	ENCINITAS	CA	92024	6	1	 	1530000.00	3	20121011	 	 
	9	 	SONOMA	CA	95476	1	2	 	1065000.00	3	20121012	 	 
	10	 	Piedmont	CA	94611	1	1	 	2400000.00	3	20121024	 	 
	11	 	SCARSDALE	NY	10583	1	1	 	1300000.00	3	20121025	 	 
	12	 	SAN JOSE	CA	95120	1	1	 	2420000.00	3	20121017	 	 
	13	100	Manhattan Beach	CA	90266	3	1	2420000.00	2420000.00	3	20121204	 	 
	14	 	COTO DE CAZA	CA	92679	7	1	 	2650000.00	3	20121031	 	 
	15	100	CONCORD	MA	01742	1	1	1165000.00	1165000.00	3	20121024	 	 
	16	100	SAN FRANCISCO	CA	94114	3	1	905000.00	905000.00	3	20121103	 	 
	17	100	SAN FRANCISCO	CA	94107	4	2	1238625.00	1239000.00	3	20121016	 	 
	18	 	Stanford	CA	94305	1	1	 	1475000.00	3	20121024	 	 
	19	100	WELLESLEY	MA	02481	1	1	1825000.00	1940000.00	3	20121018	 	 
	20	 	SAN FRANCISCO	CA	94117	1	1	 	1825000.00	3	20121102	 	 
	21	 	Mountain View	CA	94040	1	1	 	1325000.00	3	20121101	 	 
	22	100	LA JOLLA	CA	92037	1	1	2200000.00	2200000.00	3	20121022	 	 
	23	100	MENLO PARK	CA	94025	1	1	1755000.00	1755000.00	3	20121023	 	 
	24	100	SAN FRANCISCO	CA	94114	13	1	1600000.00	1600000.00	3	20121025	 	 
	25	100	CORTE MADERA	CA	94925	1	1	1013000.00	1020000.00	3	20121101	 	 
	26	100	LAFAYETTE	CA	94549	1	1	1550000.00	1560000.00	3	20121029	 	 
	27	 	ALISO VIEJO	CA	92656	7	1	 	1350000.00	3	20121104	 	 
	28	73.5311	CHERRY HILLS VILLAGE	CO	80113	1	1	2390000.00	2440000.00	3	20121108	 	 
	29	100	SAN FRANCISCO	CA	94114	3	1	1155000.00	1155000.00	3	20121029	 	 
	30	100	LAFAYETTE	CA	94549	1	1	1950000.00	1950000.00	3	20121029	 	 
	31	 	Greenwich	CT	06831	1	1	 	2800000.00	3	20121115	 	 
	32	 	LOS ANGELES VENICE AREA	CA	90291	1	1	 	1650000.00	3	20121109	 	 
	33	100	PORTLAND	OR	97239	3	3	1075000.00	1150000.00	3	20121026	 	 
	34	100	SAN FRANCISCO	CA	94114	3	1	1200000.00	1200000.00	3	20121031	 	 
	35	100	SAN FRANCISCO	CA	94109	4	3	1250000.00	1250000.00	3	20121025	 	 
	36	95.807	NEWTON	MA	02467	1	1	990000.00	995000.00	3	20121101	 	 
	37	 	SAN RAFAEL	CA	94901	1	1	 	1230000.00	3	20121206	 	 
	38	100	MENLO PARK	CA	94025	1	1	1725000.00	1725000.00	3	20121030	 	 
	39	100	PALO ALTO	CA	94301	1	1	1885000.00	1885000.00	3	20121105	 	 
	40	 	LAFAYETTE	CA	94549	1	1	 	1625000.00	3	20121109	 	 
	41	100	SAN FRANCISCO	CA	94131	3	1	570000.00	570000.00	3	20121029	 	 
	42	 	LAKE OSWEGO	OR	97034	1	1	 	1460000.00	3	20121106	 	 
	43	 	WALNUT CREEK	CA	94596	1	1	 	1185000.00	3	20121106	 	 
	44	100	SAN FRANCISCO	CA	94123	4	1	895000.00	895000.00	3	20121105	 	 
	45	100	LAFAYETTE	CA	94549	1	1	1510000.00	1510000.00	3	20121101	 	 
	46	 	Moraga	CA	94556	7	3	 	720500.00	3	20121129	 	 
	47	 	San Francisco	CA	94107	4	3	 	620000.00	3	20121116	 	 
	48	 	BERKELEY	CA	94705	1	1	 	1325000.00	3	20121102	 	 
	49	100	SAN FRANCISCO	CA	94117	1	1	1620000.00	1620000.00	3	20121102	 	 
	50	100	PORTLAND	OR	97212	1	1	600000.00	600000.00	3	20121106	 	 
	51	 	MALIBU AREA	CA	90265	1	1	 	1200000.00	3	20121115	 	 
	52	100	SAN FRANCISCO	CA	94117	3	1	1550000.00	1550000.00	3	20121109	 	 
	53	100	TUALATIN	OR	97062	1	1	1945000.00	1950000.00	3	20121114	 	 
	54	 	REDWOOD CITY	CA	94062	1	1	 	1080000.00	3	20121113	 	 
	55	100	BURLINGAME	CA	94010	1	1	1420000.00	1420000.00	3	20121114	 	 
	56	64.2291	SAN MATEO	CA	94402	1	1	2020000.00	2020000.00	3	20121114	 	 
	57	0	RIVERSIDE	CT	06878	1	1	2335000.00	2335000.00	3	20120920	 	 
	58	100	EDGARTOWN	MA	02539	1	2	1800000.00	1825000.00	3	20121112	 	 
	59	 	SANTA CRUZ	CA	95062	7	2	 	812000.00	3	20121102	 	 
	60	 	LOS GATOS	CA	95030	1	1	 	2500000.00	3	20121114	 	 
	61	 	WESTON	MA	02493	1	1	 	3900000.00	3	20121106	 	 
	62	 	PALO ALTO	CA	94303	1	1	 	2900000.00	3	20121116	 	 
	63	 	SANTA ANA	CA	92705	7	1	 	2200000.00	3	20121108	 	 
	64	100	MILTON	MA	02186	1	1	650000.00	695000.00	3	20121107	 	 
	65	 	COLTS NECK	NJ	07722	1	1	 	1700000.00	3	20121008	 	 
	66	100	WELLESLEY	MA	02481	1	1	1255000.00	1295000.00	3	20121112	 	 
	67	0	HAMILTON	MA	01982	1	1	1700000.00	1800000.00	3	20121113	 	 
	68	 	SANTA MONICA	CA	90402	1	1	 	3400000.00	3	20121029	 	 
	69	 	Los Angeles	CA	90004	1	1	 	1375000.00	3	20121128	 	 
	70	 	BIG BEAR CITY	CA	92314	1	2	 	1000000.00	3	20121114	 	 
	71	0	WELLESLEY	MA	02481	1	1	1190000.00	1195000.00	3	20121116	 	 
	72	 	ANDOVER	MA	01810	1	1	 	3350000.00	3	20121108	 	 
	73	 	Carpinteria	CA	93013	1	1	 	1450000.00	3	20121205	 	 
	74	0	NEWTON	MA	02459	1	1	1050000.00	1050000.00	3	20121126	 	 
	75	0	BROOKLYN	NY	11211	4	3	955000.00	955000.00	3	20121101	 	 
	76	 	SAN FRANCISCO	CA	94121	1	1	 	1200000.00	3	20121126	 	 
	77	 	PALO ALTO	CA	94301	1	1	 	2900000.00	3	20121115	 	 
	78	 	SONOMA	CA	95476	1	1	 	1475000.00	3	20121119	 	 
	79	0	DARIEN	CT	06820	1	1	2600000.00	2600000.00	3	20121116	 	 
	80	100	BOSTON	MA	02116	1	1	1965000.00	1930000.00	3	20121126	 	 
	81	 	PURCHASE	NY	10577	1	1	 	3200000.00	3	20121025	 	 
	82	63.6222	LINCOLN	MA	01773	1	1	1200000.00	1200000.00	3	20121120	 	 
	83	 	SAN FRANCISCO	CA	94131	13	1	 	1150000.00	3	20121120	 	 
	84	 	Palo Alto	CA	94301	13	1	 	1375000.00	3	20121218	 	 







 





	 	131	132	133	134	135	136	137	138	139	140	141	142
	 	Most Recent
 Property Value2	Most Recent
 Property Valuation
 Type	Most Recent
 Property Valuation
 Date	Most Recent AVM
 Model Name	Most Recent AVM
 Confidence Score	Original CLTV	Original LTV	Original Pledged
 Assets	Mortgage Insurance
 Company Name	Mortgage Insurance
 Percent	MI: Lender or
 Borrower Paid?	Pool Insurance Co.
 Name
	1	 	 	 	 	 	0.756500	0.756500	0	0	0	 	 
	2	 	 	 	 	 	0.644300	0.644300	0	0	0	 	 
	3	 	 	 	 	 	0.675800	0.675800	0	0	0	 	 
	4	 	 	 	 	 	0.784300	0.784300	0	0	0	 	 
	5	 	 	 	 	 	0.587800	0.417000	0	0	0	 	 
	6	 	 	 	 	 	0.614800	0.318500	0	0	0	 	 
	7	 	 	 	 	 	0.261100	0.261100	0	0	0	 	 
	8	 	 	 	 	 	0.642000	0.444400	0	0	0	 	 
	9	 	 	 	 	 	0.551600	0.551600	0	0	0	 	 
	10	 	 	 	 	 	0.535400	0.431200	0	0	0	 	 
	11	 	 	 	 	 	0.650000	0.615300	0	0	0	 	 
	12	 	 	 	 	 	0.700000	0.700000	0	0	0	 	 
	13	 	 	 	 	 	0.800000	0.800000	0	0	0	 	 
	14	 	 	 	 	 	0.422600	0.347100	0	0	0	 	 
	15	 	 	 	 	 	0.800000	0.800000	0	0	0	 	 
	16	 	 	 	 	 	0.750000	0.750000	0	0	0	 	 
	17	 	 	 	 	 	0.749900	0.749900	0	0	0	 	 
	18	 	 	 	 	 	0.671100	0.671100	0	0	0	 	 
	19	 	 	 	 	 	0.769800	0.769800	0	0	0	 	 
	20	 	 	 	 	 	0.515000	0.405400	0	0	0	 	 
	21	 	 	 	 	 	0.720700	0.535800	0	0	0	 	 
	22	 	 	 	 	 	0.454500	0.454500	0	0	0	 	 
	23	 	 	 	 	 	0.750000	0.750000	0	0	0	 	 
	24	 	 	 	 	 	0.687500	0.687500	0	0	0	 	 
	25	 	 	 	 	 	0.800000	0.800000	0	0	0	 	 
	26	 	 	 	 	 	0.800000	0.800000	0	0	0	 	 
	27	 	 	 	 	 	0.750000	0.725900	0	0	0	 	 
	28	 	 	 	 	 	0.750000	0.750000	0	0	0	 	 
	29	 	 	 	 	 	0.800000	0.800000	0	0	0	 	 
	30	 	 	 	 	 	0.800000	0.800000	0	0	0	 	 
	31	 	 	 	 	 	0.357100	0.357100	0	0	0	 	 
	32	 	 	 	 	 	0.681800	0.681800	0	0	0	 	 
	33	 	 	 	 	 	0.674400	0.674400	0	0	0	 	 
	34	 	 	 	 	 	0.800000	0.800000	0	0	0	 	 
	35	 	 	 	 	 	0.640000	0.640000	0	0	0	 	 
	36	 	 	 	 	 	0.800000	0.800000	0	0	0	 	 
	37	 	 	 	 	 	0.742200	0.742200	0	0	0	 	 
	38	 	 	 	 	 	0.750000	0.750000	0	0	0	 	 
	39	 	 	 	 	 	0.750000	0.610000	0	0	0	 	 
	40	 	 	 	 	 	0.538400	0.538400	0	0	0	 	 
	41	 	 	 	 	 	0.800000	0.800000	0	0	0	 	 
	42	 	 	 	 	 	0.650000	0.650000	0	0	0	 	 
	43	 	 	 	 	 	0.666600	0.666600	0	0	0	 	 
	44	 	 	 	 	 	0.700000	0.700000	0	0	0	 	 
	45	 	 	 	 	 	0.728400	0.662200	0	0	0	 	 
	46	 	 	 	 	 	0.506500	0.506500	0	0	0	 	 
	47	 	 	 	 	 	0.600000	0.600000	0	0	0	 	 
	48	 	 	 	 	 	0.682200	0.682200	0	0	0	 	 
	49	 	 	 	 	 	0.750000	0.750000	0	0	0	 	 
	50	 	 	 	 	 	0.800000	0.800000	0	0	0	 	 
	51	 	 	 	 	 	0.750000	0.750000	0	0	0	 	 
	52	 	 	 	 	 	0.750000	0.750000	0	0	0	 	 
	53	 	 	 	 	 	0.514100	0.514100	0	0	0	 	 
	54	 	 	 	 	 	0.663100	0.663100	0	0	0	 	 
	55	 	 	 	 	 	0.800000	0.800000	0	0	0	 	 
	56	 	 	 	 	 	0.800000	0.495000	0	0	0	 	 
	57	 	 	 	 	 	0.800000	0.800000	0	0	0	 	 
	58	 	 	 	 	 	0.750000	0.750000	0	0	0	 	 
	59	 	 	 	 	 	0.646500	0.646500	0	0	0	 	 
	60	 	 	 	 	 	0.484000	0.284000	0	0	0	 	 
	61	 	 	 	 	 	0.280700	0.280700	0	0	0	 	 
	62	 	 	 	 	 	0.656500	0.656500	0	0	0	 	 
	63	 	 	 	 	 	0.750000	0.590900	0	0	0	 	 
	64	 	 	 	 	 	0.800000	0.800000	0	0	0	 	 
	65	 	 	 	 	 	0.735200	0.588200	0	0	0	 	 
	66	 	 	 	 	 	0.796800	0.637400	0	0	0	 	 
	67	 	 	 	 	 	0.800000	0.705800	0	0	0	 	 
	68	 	 	 	 	 	0.445500	0.445500	0	0	0	 	 
	69	 	 	 	 	 	0.770900	0.770900	0	0	0	 	 
	70	 	 	 	 	 	0.700000	0.700000	0	0	0	 	 
	71	 	 	 	 	 	0.800000	0.800000	0	0	0	 	 
	72	 	 	 	 	 	0.597000	0.597000	0	0	0	 	 
	73	 	 	 	 	 	0.517200	0.517200	0	0	0	 	 
	74	 	 	 	 	 	0.800000	0.800000	0	0	0	 	 
	75	 	 	 	 	 	0.596800	0.596800	0	0	0	 	 
	76	 	 	 	 	 	0.704100	0.704100	0	0	0	 	 
	77	 	 	 	 	 	0.478200	0.335100	0	0	0	 	 
	78	 	 	 	 	 	0.700000	0.700000	0	0	0	 	 
	79	 	 	 	 	 	0.700000	0.700000	0	0	0	 	 
	80	 	 	 	 	 	0.610800	0.610800	0	0	0	 	 
	81	 	 	 	 	 	0.312500	0.312500	0	0	0	 	 
	82	 	 	 	 	 	0.800000	0.800000	0	0	0	 	 
	83	 	 	 	 	 	0.643400	0.643400	0	0	0	 	 
	84	 	 	 	 	 	0.600000	0.600000	0	0	0	 	 







 





	 	143	144	145	146	147	148	149	150	151	152	153
	 	Pool Insurance Stop
 Loss %	MI Certificate
 Number	Updated DTI
 (Front-end)	Updated DTI
 (Back-end)	Modification
 Effective Payment
 Date	Total Capitalized
 Amount	Total Deferred
 Amount	Pre-Modification
 Interest (Note) Rate	Pre-Modification P&I
 Payment	Pre-Modification
 Initial Interest Rate
 Change Downward
 Cap	Pre-Modification
 Subsequent Interest
 Rate 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	 	 	 	 	 	 	 	 	 	 	 
	35	 	 	 	 	 	 	 	 	 	 	 
	36	 	 	 	 	 	 	 	 	 	 	 
	37	 	 	 	 	 	 	 	 	 	 	 
	38	 	 	 	 	 	 	 	 	 	 	 
	39	 	 	 	 	 	 	 	 	 	 	 
	40	 	 	 	 	 	 	 	 	 	 	 
	41	 	 	 	 	 	 	 	 	 	 	 
	42	 	 	 	 	 	 	 	 	 	 	 
	43	 	 	 	 	 	 	 	 	 	 	 
	44	 	 	 	 	 	 	 	 	 	 	 
	45	 	 	 	 	 	 	 	 	 	 	 
	46	 	 	 	 	 	 	 	 	 	 	 
	47	 	 	 	 	 	 	 	 	 	 	 
	48	 	 	 	 	 	 	 	 	 	 	 
	49	 	 	 	 	 	 	 	 	 	 	 
	50	 	 	 	 	 	 	 	 	 	 	 
	51	 	 	 	 	 	 	 	 	 	 	 
	52	 	 	 	 	 	 	 	 	 	 	 
	53	 	 	 	 	 	 	 	 	 	 	 
	54	 	 	 	 	 	 	 	 	 	 	 
	55	 	 	 	 	 	 	 	 	 	 	 
	56	 	 	 	 	 	 	 	 	 	 	 
	57	 	 	 	 	 	 	 	 	 	 	 
	58	 	 	 	 	 	 	 	 	 	 	 
	59	 	 	 	 	 	 	 	 	 	 	 
	60	 	 	 	 	 	 	 	 	 	 	 
	61	 	 	 	 	 	 	 	 	 	 	 
	62	 	 	 	 	 	 	 	 	 	 	 
	63	 	 	 	 	 	 	 	 	 	 	 
	64	 	 	 	 	 	 	 	 	 	 	 
	65	 	 	 	 	 	 	 	 	 	 	 
	66	 	 	 	 	 	 	 	 	 	 	 
	67	 	 	 	 	 	 	 	 	 	 	 
	68	 	 	 	 	 	 	 	 	 	 	 
	69	 	 	 	 	 	 	 	 	 	 	 
	70	 	 	 	 	 	 	 	 	 	 	 
	71	 	 	 	 	 	 	 	 	 	 	 
	72	 	 	 	 	 	 	 	 	 	 	 
	73	 	 	 	 	 	 	 	 	 	 	 
	74	 	 	 	 	 	 	 	 	 	 	 
	75	 	 	 	 	 	 	 	 	 	 	 
	76	 	 	 	 	 	 	 	 	 	 	 
	77	 	 	 	 	 	 	 	 	 	 	 
	78	 	 	 	 	 	 	 	 	 	 	 
	79	 	 	 	 	 	 	 	 	 	 	 
	80	 	 	 	 	 	 	 	 	 	 	 
	81	 	 	 	 	 	 	 	 	 	 	 
	82	 	 	 	 	 	 	 	 	 	 	 
	83	 	 	 	 	 	 	 	 	 	 	 
	84	 	 	 	 	 	 	 	 	 	 	 







 





	 	154	155	156	157	158	159	160	161	162	163
	 	Pre-Modification
 Next Interest Rate
 Change Date	Pre-Modification I/O
 Term	Forgiven Principal
 Amount	Forgiven Interest
 Amount	Number of
 Modifications	Cash To/From Brrw at Closing	Brrw - Yrs at in Industry	CoBrrw - Yrs at in Industry	Junior Mortgage Drawn Amount	Maturity Date
	1	 	 	 	 	 	 	14	 	0	20421201
	2	 	 	 	 	 	 	22	 	0	20320901
	3	 	 	 	 	 	 	16	 	0	20421201
	4	 	 	 	 	 	 	11	 	0	20421201
	5	 	 	 	 	 	 	14	 	249925	20321201
	6	 	 	 	 	 	 	23	 	800000	20430101
	7	 	 	 	 	 	 	13	 	0	20421201
	8	 	 	 	 	 	 	12	12	302272	20430101
	9	 	 	 	 	 	 	25	 	0	20421201
	10	 	 	 	 	 	 	19	20	250000	20421201
	11	 	 	 	 	 	 	12	12	45000	20430101
	12	 	 	 	 	 	 	0	28	0	20430101
	13	 	 	 	 	 	 	7	 	0	20430101
	14	 	 	 	 	 	 	0	 	200000	20421201
	15	 	 	 	 	 	 	15	10	0	20430101
	16	 	 	 	 	 	 	12	 	0	20421201
	17	 	 	 	 	 	 	20	 	0	20421101
	18	 	 	 	 	 	 	22	 	0	20430101
	19	 	 	 	 	 	 	2	10	0	20421201
	20	 	 	 	 	 	 	18	14	200000	20430101
	21	 	 	 	 	 	 	12	10	245000	20430101
	22	 	 	 	 	 	 	19	 	0	20421201
	23	 	 	 	 	 	 	45	35	0	20421201
	24	 	 	 	 	 	 	5	 	0	20421201
	25	 	 	 	 	 	 	30	 	0	20421201
	26	 	 	 	 	 	 	18	9	0	20421201
	27	 	 	 	 	 	 	9	 	32500	20421201
	28	 	 	 	 	 	 	25	 	0	20421201
	29	 	 	 	 	 	 	6	6	0	20421201
	30	 	 	 	 	 	 	11	 	0	20421201
	31	 	 	 	 	 	 	9	 	0	20430101
	32	 	 	 	 	 	 	5	 	0	20430101
	33	 	 	 	 	 	 	40	 	0	20421201
	34	 	 	 	 	 	 	6.5	 	0	20421201
	35	 	 	 	 	 	 	20	 	0	20430101
	36	 	 	 	 	 	 	25	 	0	20430101
	37	 	 	 	 	 	 	20	18	0	20430101
	38	 	 	 	 	 	 	14	 	0	20421201
	39	 	 	 	 	 	 	12	7	263750	20421201
	40	 	 	 	 	 	 	7	 	0	20430101
	41	 	 	 	 	 	 	12	 	0	20421201
	42	 	 	 	 	 	 	26	 	0	20430101
	43	 	 	 	 	 	 	50	30	0	20430101
	44	 	 	 	 	 	 	2	 	0	20421201
	45	 	 	 	 	 	 	26	25	100000	20421201
	46	 	 	 	 	 	 	13	12	0	20430101
	47	 	 	 	 	 	 	13	12	0	20430101
	48	 	 	 	 	 	 	14	9	0	20430101
	49	 	 	 	 	 	 	4	6	0	20421201
	50	 	 	 	 	 	 	12	8	0	20421201
	51	 	 	 	 	 	 	27	10	0	20430101
	52	 	 	 	 	 	 	20	20	0	20421201
	53	 	 	 	 	 	 	25	 	0	20430101
	54	 	 	 	 	 	 	10	11	0	20430101
	55	 	 	 	 	 	 	10	10	0	20430101
	56	 	 	 	 	 	 	18	 	616000	20421201
	57	 	 	 	 	 	 	8	3	0	20421201
	58	 	 	 	 	 	 	30	 	0	20430101
	59	 	 	 	 	 	 	20	 	0	20430101
	60	 	 	 	 	 	 	15	18	500000	20430201
	61	 	 	 	 	 	 	0	7	0	20430101
	62	 	 	 	 	 	 	16	8	0	20430101
	63	 	 	 	 	 	 	22	 	170530.8	20430101
	64	 	 	 	 	 	 	13	 	0	20430101
	65	 	 	 	 	 	 	14	 	250000	20430101
	66	 	 	 	 	 	 	18	 	200000	20430101
	67	 	 	 	 	 	 	24	 	160000	20430101
	68	 	 	 	 	 	 	44	20	0	20421201
	69	 	 	 	 	 	 	4	 	0	20430101
	70	 	 	 	 	 	 	18	 	0	20430101
	71	 	 	 	 	 	 	19	 	0	20430101
	72	 	 	 	 	 	 	4	2	0	20430201
	73	 	 	 	 	 	 	48	 	0	20330201
	74	 	 	 	 	 	 	5	6	0	20430101
	75	 	 	 	 	 	 	30	26	0	20430101
	76	 	 	 	 	 	 	15	 	0	20430101
	77	 	 	 	 	 	 	14	2	23013.19	20430101
	78	 	 	 	 	 	 	40	20	0	20430101
	79	 	 	 	 	 	 	10	 	0	20430101
	80	 	 	 	 	 	 	15	1	0	20430101
	81	 	 	 	 	 	 	10	 	0	20430101
	82	 	 	 	 	 	 	12	9	0	20430101
	83	 	 	 	 	 	 	20	 	0	20430101
	84	 	 	 	 	 	 	15	 	0	20430201







 





	 	164	165	166	167	168	169	170	171	172
	 	Primary Borrower Wage Income (Salary)	Primary Borrower Wage Income (Bonus)	Primary Borrower Wage Income (Commission)	Co-Borrower Wage Income (Salary)	Co-Borrower Wage Income (Bonus)	Co-Borrower Wage Income (Commission)	Originator Doc Code	RWT Income Verification	RWT Asset Verification
	1	22958	0	0	0	0	0	Full	Two Years	Two Months
	2	16055	0	0	0	0	0	Full	Two Years	Two Months
	3	19230	0	0	0	0	0	Full	Two Years	Two Months
	4	51006.77	0	0	0	0	0	Full	Two Years	Two Months
	5	24246.55	0	0	0	0	0	Full	Two Years	Two Months
	6	36848	0	0	0	0	0	Full	Two Years	Two Months
	7	0	0	0	0	0	0	Full	Two Years	Two Months
	8	0	0	0	33413.67	0	0	Full	Two Years	Two Months
	9	0	0	0	0	0	0	Full	Two Years	Two Months
	10	24833.34	0	0	4201.66	0	0	Full	Two Years	Two Months
	11	15000	0	0	13750	0	0	Full	Two Years	Two Months
	12	4721.38	0	0	5963	0	0	Full	Two Years	Two Months
	13	45909.56	0	0	0	0	0	Full	Two Years	Two Months
	14	44509	0	0	0	0	0	Full	Two Years	Two Months
	15	16666.67	0	0	10416.66	0	0	Full	Two Years	Two Months
	16	11250	0	0	0	0	0	Full	Two Years	Two Months
	17	88774.36	0	0	0	0	0	Full	Two Years	Two Months
	18	27500	0	0	0	0	0	Full	Two Years	Two Months
	19	10577	0	0	12500	0	0	Full	Two Years	Two Months
	20	18637.58	0	0	0	0	0	Full	Two Years	Two Months
	21	11166.68	0	0	7438.05	0	0	Full	Two Years	Two Months
	22	14167	0	0	0	0	0	Full	Two Years	Two Months
	23	0	0	0	17191.92	0	0	Full	Two Years	Two Months
	24	19767	0	0	0	0	0	Full	Two Years	Two Months
	25	14984	0	0	0	0	0	Full	Two Years	Two Months
	26	18247.15	7644	0	0	0	0	Full	Two Years	Two Months
	27	25923.96	0	0	0	0	0	Full	Two Years	Two Months
	28	31250	0	0	0	0	0	Full	Two Years	Two Months
	29	16183.34	4791.67	0	3333.32	0	0	Full	Two Years	One Month
	30	20000	13738.56	0	0	0	0	Full	Two Years	Two Months
	31	25000	70000	0	0	0	0	Full	Two Years	Two Months
	32	21312	0	0	0	0	0	Full	Two Years	Two Months
	33	21982.9	0	0	0	0	0	Full	Two Years	Two Months
	34	16700	0	0	0	0	0	Full	Two Years	Two Months
	35	32424	0	0	0	0	0	Full	Two Years	Two Months
	36	11444	0	0	0	0	0	Full	Two Years	Two Months
	37	17583	0	0	0	0	0	Full	Two Years	Two Months
	38	75313.97	0	0	0	0	0	Full	Two Years	Two Months
	39	23749.92	0	0	10416.67	0	0	Full	Two Years	Two Months
	40	17500	0	0	0	0	0	Full	Two Years	Two Months
	41	20833.34	0	0	0	0	0	Full	Two Years	Two Months
	42	24285	0	0	0	0	0	Full	Two Years	Two Months
	43	14671.08	0	0	13806	0	0	Full	Two Years	One Month
	44	22956	0	0	0	0	0	Full	Two Years	Two Months
	45	66666.67	0	0	2166.67	0	0	Full	Two Years	Two Months
	46	34634.33	0	0	0	0	0	Full	Two Years	Two Months
	47	53738	0	0	0	0	0	Full	Two Years	Two Months
	48	7159	0	0	1280	0	0	Full	Two Years	Two Months
	49	12435	0	0	16376	0	0	Full	Two Years	Two Months
	50	14018.75	0	0	8138.17	0	0	Full	Two Years	Two Months
	51	0	0	0	0	0	0	Full	Two Years	Two Months
	52	12928	0	0	7333	0	0	Full	Two Years	Two Months
	53	0	0	24984	0	0	0	Full	Two Years	Two Months
	54	9791.67	0	0	10800	0	0	Full	Two Years	Two Months
	55	20416.66	0	0	13500	0	0	Full	Two Years	Two Months
	56	18750	22354.17	0	0	0	0	Full	Two Years	Two Months
	57	0	0	0	0	0	0	Full	Two Years	Two Months
	58	79362.84	0	0	0	0	0	Full	Two Years	Two Months
	59	0	0	0	0	0	0	Full	Two Years	Two Months
	60	18049.06	0	0	12500	0	0	Full	Two Years	Two Months
	61	0	0	0	8939.8	0	0	Full	Two Years	Two Months
	62	25000	0	0	16666.66	0	0	Full	Two Years	Two Months
	63	0	0	0	0	0	0	Full	Two Years	Two Months
	64	16666.67	0	0	0	0	0	Full	Two Years	Two Months
	65	29938	0	0	0	0	0	Full	Two Years	Two Months
	66	44250	0	0	0	0	0	Full	Two Years	Two Months
	67	0	0	0	0	0	0	Full	Two Years	Two Months
	68	0	0	0	0	0	0	Full	Two Years	Two Months
	69	72150.96	0	0	0	0	0	Full	Two Years	Two Months
	70	33333	0	0	0	0	0	Full	Two Years	Two Months
	71	0	0	0	0	0	0	Full	Two Years	Two Months
	72	18750	227831	0	0	0	0	Full	Two Years	Two Months
	73	0	0	0	0	0	0	Full	Two Years	Two Months
	74	0	0	0	0	0	0	Full	Two Years	Two Months
	75	0	0	0	0	0	0	Full	Two Years	Two Months
	76	13600	0	0	0	0	0	Full	Two Years	Two Months
	77	12500	3018	0	8384	0	0	Full	Two Years	One Month
	78	0	0	0	0	0	0	Full	Two Years	Two Months
	79	0	0	0	0	0	0	Full	Two Years	Two Months
	80	15333.34	11632	0	0	0	0	Full	Two Years	Two Months
	81	8333.34	0	33333.66	0	0	0	Full	Two Years	Two Months
	82	25000	0	0	4732.68	0	0	Full	Two Years	Two Months
	83	8056.67	0	0	5417.25	0	0	Full	Two Years	One Month
	84	15155	0	0	0	0	0	Full	Two Years	Two Months







 






    	 



    	 



    
 


ATTACHMENT 2


 


SALE AND SERVICING AGREEMENT


 


See Exhibit 10.1 to the Form 8-K filed by


the Issuing Entity on February 28, 2013


 






    	 



    	 



    
 


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 February 1, 2013, among Christiana Trust, a division of Wilmington Savings Fund Society, FSB,
as Trustee, Wells Fargo Bank, N.A., as Custodian, Sequoia Residential Funding, Inc., as Depositor, and Redwood Residential Acquisition
Corporation, as Seller



 


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


 


	Mortgage Loan Number: 	 	 	Investor Number: 	 



 


	Mortgagor Name, Address & Zip Code:	 	 	Pool Number:	 


 


Reason for Requesting Documents (check one):


 


	 	 	1. Mortgage Paid in Full 	 	 
	 	 	 	 	 
	 	 	2. Foreclosure	 	 
	 	 	 	 	 
	 	 	3. Substitution	 	 
	 	 	 	 	 
	 	 	4. Other Liquidation 	 	 
	 	 	 	 	 
	 	 	5. Non-liquidation	Reason:	 


 


	 	 	For CMI Use Only:	 


 


	By:	 	 
	 	(Authorized Signature)	 


 


	Printed Name 	 	 
	 	 	 
	Servicer Name:	 	 
	 	 	 
	Ship To Address:	 	 
	 	 	 
	 	 	 
	 	 	 
	Phone:	 	 


  



    	 



    	 



    



  


Custodian


 


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


 


	 	 	Date	 


Signature


 


Documents returned to Custodian:


 


	 	 	Date	 


Custodian


 






    	 



    	 



    



 


EXHIBIT 10


 


FORM OF MONTHLY LOSS REPORT


 






    	 



    	 



    
 


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


 


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


  


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


 


Liquidation and Acquisition Expenses:


 


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



  


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



 


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



 


		4-12.	Complete as applicable. Required documentation:



 


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


 


* For escrow
advances - complete payment history (to calculate advances from last positive escrow balance forward)


 


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


 


* REO repairs
> $1500 require explanation


 


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


 


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


 


* Unusual
or extraordinary items may require further documentation.


 


		13.	The total of lines 1 through 12.



 


Credits:


 


		14-21.	Complete as applicable. Required documentation:



 


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


 


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


 


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


         


		22.	The total of lines 14 through 21.



 


 


 















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







 






    	Page 1 of 5



    	 



    
  


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 ( ).



  


 


 















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



 



    	Page 2 of 5



    	 



    



 


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)	 	 
	(12)	Other (itemize)	 	 
	 	(12)	 	 



  


 


 















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



 


 



    	Page 3 of 5



    	 



    



 


 


	 	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)	 	 



  


 


 















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



 






    	Page 4 of 5



    	 



    
 


Escrow Disbursement Detail


  


	
        Type

        (Tax /Ins.)
	Date Paid	Period of Coverage	Total Paid	Base Amount	Penalties	Interest
	 

                                                                                 
	 	 	 	 	 	 
	 

                                                                                 
	 	 	 	 	 	 
	 

                                                                                 
	 	 	 	 	 	 
	 

                                                                                 
	 	 	 	 	 	 
	 

                                                                                 
	 	 	 	 	 	 
	 

                                                                                 
	 	 	 	 	 	 
	 

                                                                                 
	 	 	 	 	 	 
	 

                                                                                 
	 	 	 	 	 	 


 


 


 


 















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



  



    	Page 5 of 5



    	 



    



 


EXHIBIT 11


 


FORM OF DELINQUENCY REPORTING


 


 


 





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




 






    	Page 1 of 7



    	 



    
 


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



 


 





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




 









    	Page 1 of 7



    	 



    
 


 


	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	 
	REPAIRED_PROP_VAL	The amount the property would be worth if repairs are completed pursuant to a broker's price opinion or appraisal.	2	 



 


 





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




 






    	Page 2 of 7



    	 



    



  


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



 


 


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


 






    	Page 3 of 7



    	 



    
 



 


	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



		·	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



 






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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



    	 



    
 


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



    	 



    
  


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