be Included in
Monthly Distribution Date Statement
Exhibit Four:
Standard Terms of Pooling and Servicing
Agreement Dated as of February 1, 2006
Exhibit Five:
Planned Principal Balances and Targeted Principal Balances
Exhibit Six:
Jump Schedule Balance
This is a Series
Supplement,
dated as of February 1, 2006 (the
"Series
Supplement"),
to the
Standard
Terms of Pooling and
Servicing
Agreement,
dated as of February 1, 2006 and
attached as Exhibit Four hereto (the
"Standard Terms" and, together with this Series Supplement,
the "Pooling and Servicing Agreement" or "Agreement"),
among RESIDENTIAL
ACCREDIT LOANS,
INC., as the company (together with its permitted
successors and assigns,
the
"Company"),
RESIDENTIAL
FUNDING
CORPORATION,
as master
servicer
(together
with its permitted
successors and
assigns,
the "Master
Servicer"),
and U.S. BANK NATIONAL
ASSOCIATION,
as Trustee
(together
with its permitted
successors and assigns, the "Trustee").
PRELIMINARY STATEMENT:
The
Company
intends
to
sell
mortgage
asset-backed
pass-through
certificates
(collectively,
the
"Certificates"),
to be issued
hereunder in multiple
classes,
which in the
aggregate
will
evidence the entire
beneficial
ownership
interest
in the
Mortgage
Loans
(as
defined
herein).
As
provided
herein,
the
REMIC
Administrator
will make an election to treat the entire
segregated pool of assets
described in the definition of
Trust Fund,
and subject to this
Agreement
(including
the Mortgage
Loans),
exclusive of the Yield
Maintenance
Agreements, as three real estate mortgage investment conduits (each, a "REMIC") for federal income tax purposes.
The terms and provisions of the Standard Terms are hereby
incorporated by reference
herein as though set
forth in full herein.
If any term or provision
contained
herein shall conflict with or be inconsistent
with any
provision
contained in the Standard Terms, the terms and provisions of this Series
Supplement
shall govern.
All
capitalized
terms not
otherwise
defined
herein shall have the meanings
set forth in the
Standard
Terms.
The
Pooling and Servicing Agreement shall be dated as of the date of this Series Supplement.
The following table sets forth the designation,
type,
Pass-Through Rate,
aggregate Initial
Certificate
Principal Balance,
Maturity Date,
initial ratings and certain features for each Class of Certificates
comprising
the interests in the Trust Fund created hereunder.
Aggregate
Fitch/
Initial
Pass-Through
Certificate
Maturity
Moody's/S&P/
Minimum
Designation
Rate
Principal Balance
Features(1)
Date
DBRS
Denominations(2)
I-A-1
5.50%
$65,456,500.00
Senior/PAC/Fixed Rate
February 25,
AAA/Aaa/AAA/AAA
$25,000.00
2036
I-A-2
Adjustable
$49,800,000.00 Senior/TAC/Floater/Adjustable February 25,
AAA/Aaa/AAA/AAA
$25,000.00
Rate(3)
Rate
2036
(4)
Senior/Interest
I-A-3
Adjustable
$0.00
Only/Inverse
February 25,
AAA/Aaa/AAA/AAA
$2,000,000.00
Rate(3)
Floater/Adjustable Rate
2036
I-A-4
5.50%
$14,457,800.00
Senior/Super Senior/
February 25,
AAA/Aaa/AAA/AAA
$25,000.00
Lockout/Fixed Rate
2036
I-A-5
Adjustable
$15,512,750.00 Senior/Companion/Floater/
February 25,
AAA/Aaa/AAA/AAA
$25,000.00
Rate(3)
Adjustable Rate
2036
I-A-6
Adjustable
$4,230,750.00
Senior/Companion/Inverse
February 25,
AAA/Aaa/AAA/AAA
$25,000.00
Rate(3)
Floater/Adjustable Rate
2036
I-A-7
6.00%
$0.00(4)
Senior/Interest
February 25,
AAA/Aaa/AAA/AAA
$2,000,000.00
Only/Fixed Rate
2036
I-A-8
6.00%
$40,000,000.00
Senior/Fixed Rate
February 25,
AAA/Aaa/AAA/AAA
$25,000.00
2036
I-A-9
5.50%
$153,030,000.00
Senior/Fixed Rate
February 25,
AAA/Aaa/AAA/AAA
$25,000.00
2036
I-A-10
Adjustable
$105,672,000.00 Senior/Accretion Directed/
February 25,
AAA/Aaa/AAA/AAA
$25,000.00
Rate(3)
Floater/ Adjustable Rate
2036
(4)Senior/Interest Only/
I-A-11
Adjustable
$0.00
Inverse
February 25,
AAA/Aaa/AAA/AAA
$2,000,000.00
Rate(3)
Floater/Adjustable Rate
2036
I-A-12
5.50%