Loan
Standard & Poor's Home Loan Categorization
State/Jurisdiction
Name of Anti-Predatory Lending Law/Effective Date
Category under Applicable Anti-Predatory Lending Law
Georgia (Oct. 1, 2002 - Mar. 6, 2003)
Georgia Fair Lending Act, Ga. Code Ann. §§ 7-6A-1 et seq.
Effective October 1, 2002 - March 6, 2003
Home Loan
E-6-4
New Jersey
New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et
seq.
Effective for loans closed on or after November 27, 2003
Home Loan
New Mexico
Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq.
Effective as of January 1, 2004; Revised as of February 26, 2004
Home Loan
North Carolina
Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E
et seq.
Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of
credit)
Consumer Home Loan
South Carolina
South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. §§ 37-23-10
et seq.
Effective for loans taken on or after January 1, 2004
Consumer Home Loan
E-6-5
SCHEDULE A
REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES
Certificates
Class
Standard & Poor's
Moody's
I-A-1
AAA
Aaa
I-A-2a
AAA
Aaa
Grantor Trust I-A-2b
AAA
Aaa
I-A-3
AAA
Aaa
II-A-1
AAA
Aaa
II-A-2
AAA
Aaa
III-A-1
AAA
Aaa
III-A-2
AAA
Aaa
IV-A-1a
AAA
Aaa
Grantor Trust IV-A-1b
AAA
Aaa
IV-A-2
AAA
Aaa
IV-A-3
AAA
Aaa
X-1
AAA
Aaa
X-2
AAA
Aaa
X-3
AAA
Aaa
X-4
AAA
Aaa
M-X
AA+
Aa1
M-1
AA+/
Aa1
M-2
AA+/
Aa2
M-3
AA
Aa3
M-4
AA
A1
M-5
A+
A2
M-6
A
A3
B-1
A-
Baa1
B-2
BBB+
Baa2
B-3
BBB
Baa3
R
AAA
NR
A-1
Class
Standard & Poor's
Moody's
Underlying I-A-2b
AAA
Aaa
Underlying IV-A-1b
AAA
Aaa
B-4
BB
NR
B-5
B
NR
B-6
NR
NR
XP
NR
NR
None of the above ratings has been lowered, qualified or withdrawn since the
dates of issuance of such ratings by the Rating Agencies.
A-2
SCHEDULE B
MORTGAGE LOAN SCHEDULE
(Provided upon request)
EXHIBIT I
FORM OF TRUSTEE LIMITED POWER OF ATTORNEY
KNOW ALL MEN BY THESE PRESENTS, that Wells Fargo Bank, National Association, a
banking corporation, having a place of business at 9062 Old Annapolis Road,
Columbia, Maryland, as Trustee (and in no personal or other representative
capacity) under the Pooling and Servicing Agreement, dated as of July 1, 2005,
by and among Structured Asset Mortgage Investments II Inc., the Trustee and EMC
Mortgage Corporation (as amended, restated, supplemented or otherwise modified
from time to time, the "Agreement" capitalized terms not defined herein have the
definitions assigned to such terms in the Agreement), relating to the GreenPoint
Mortgage Funding Trust 2005-AR4, Mortgage Pass-Through Certificates, Series
2005-AR4, hereby appoints _______________, in its capacity as Servicer under the
Agreement, as the Trustee's true and lawful Special Attorney-in-Fact, in the
Trustee's name, place and stead and for the Trustee's benefit, but only in its
capacity as Trustee aforesaid, to perform all acts and execute all documents as
may be customary, necessary