Document:

Unassociated Document

 

EXHIBIT 10.1

SEQUOIA RESIDENTIAL FUNDING, INC.

Depositor

WELLS FARGO BANK, N.A.

 Master Servicer and Securities Administrator

and

U.S. BANK NATIONAL ASSOCIATION

 Trustee

 

 

POOLING AND SERVICING AGREEMENT

dated as of September 1, 2011

 

  

SEQUOIA MORTGAGE TRUST 2011-2

  

 

  

TABLE OF CONTENTS

	
ARTICLE I DEFINITIONS

	 	
7

	  	  	 	  
	
Section 1.01

	
Definitions

	 	
7

	
Section 1.02

	
Calculations Respecting Mortgage Loans

	 	
29

	  	  	 	  
	
ARTICLE II DECLARATION OF TRUST; ISSUANCE OF CERTIFICATES

	 	
30

	  	  	 	  
	
Section 2.01

	
Creation and Declaration of Trust Fund; Conveyance of Mortgage Loans

	 	
30

	
Section 2.02

	
Acceptance of Trust Fund by Trustee; Review of Documentation for Trust Fund

	 	
30

	
Section 2.03

	
Representations and Warranties of the Depositor

	 	
31

	
Section 2.04

	
Discovery of Seller Breach; Repurchase of Mortgage Loans

	 	
32

	
Section 2.05

	
Obligations in Respect of Alleged Breach of Originator Representations and Warranties

	 	
34

	
Section 2.06

	
Intention of Parties

	 	
35

	
Section 2.07

	
Controlling Holder Purchase Right and Assumption of Servicing Agreement Rights

	 	
36

	  	  	 	  
	
ARTICLE III THE CERTIFICATES

	 	
37

	  	  	 	  
	
Section 3.01

	
The Certificates

	 	
37

	
Section 3.02

	
Registration

	 	
37

	
Section 3.03

	
Transfer and Exchange of Certificates

	 	
38

	
Section 3.04

	
Cancellation of Certificates

	 	
41

	
Section 3.05

	
Replacement of Certificates

	 	
41

	
Section 3.06

	
Persons Deemed Owners

	 	
42

	
Section 3.07

	
Temporary Certificates

	 	
42

	
Section 3.08

	
Appointment of Paying Agent

	 	
42

	
Section 3.09

	
Book-Entry Certificates

	 	
42

	  	  	 	  
	
ARTICLE IV ADMINISTRATION OF THE TRUST FUND

	 	
44

	  	  	 	  
	
Section 4.01

	
Custodial Accounts; Distribution Account

	 	
44

	
Section 4.02

	
Reports to Trustee and Certificateholders

	 	
45

	
Section 4.03

	
Rule 17g-5 Compliance

	 	
47

	
Section 4.04

	
Rule 15Ga-1 Compliance

	 	
49

	  	  	 	  
	
ARTICLE V DISTRIBUTIONS TO HOLDERS OF CERTIFICATES

	 	
49

	  	  	 	  
	
Section 5.01

	
Distributions Generally

	 	
49

	
Section 5.02

	
Distributions From the Distribution Account

	 	
49

	
Section 5.03

	
Allocation of Losses

	 	
51

	
Section 5.04

	
Servicer Obligations

	 	
52

	
Section 5.05

	
Advances by Master Servicer

	 	
52

	
Section 5.06

	
Master Servicer Compensating Interest Payments

	 	
52

	  	  	 	  
	
ARTICLE VI CONCERNING THE TRUSTEE AND THE SECURITIES ADMINISTRATOR; EVENTS OF DEFAULT

	 	
52

	  	  	 	  
	
Section 6.01

	
Duties of Trustee and the Securities Administrator

	 	
52

	
Section 6.02

	
Certain Matters Affecting the Trustee and the Securities Administrator

	 	
55

	
Section 6.03

	
Trustee and Securities Administrator Not Liable for Certificates

	 	
56

	
Section 6.04

	
Trustee and Securities Administrator May Own Certificates

	 	
57

	
Section 6.05

	
Eligibility Requirements for Trustee and Securities Administrator

	 	
57

	
Section 6.06

	
Resignation and Removal of Trustee and the Securities Administrator

	 	
57

	
Section 6.07

	
Successor Trustee and Successor Securities Administrator

	 	
59

	
Section 6.08

	
Merger or Consolidation of Trustee or Securities Administrator

	 	
59

	
Section 6.09

	
Appointment of Co-Trustee, Separate Trustee or Custodian

	 	
59

	
Section 6.10

	
Authenticating Agents

	 	
61

  

2

  

	
Section 6.11

	
Indemnification of the Trustee, the Securities Administrator and the Master Servicer

	 	
61

	
Section 6.12

	
Fees and Expenses of the Securities Administrator, the Certificate Registrar, the Paying Agent, Authenticating Agent, the Trustee and the Custodian

	 	
62

	
Section 6.13

	
Collection of Monies

	 	
63

	
Section 6.14

	
Events of Default; Trustee to Act; Appointment of Successor

	 	
63

	
Section 6.15

	
Additional Remedies of Trustee Upon Event of Default

	 	
66

	
Section 6.16

	
Waiver of Defaults

	 	
67

	
Section 6.17

	
Notification to Holders

	 	
67

	
Section 6.18

	
Directions by Certificateholders and Duties of Trustee During Event of Defaul

	 	
67

	
Section 6.19

	
Action Upon Certain Failures of the Master Servicer and Upon Event of Default

	 	
67

	
Section 6.20

	
Preparation of Tax Returns and Other Reports

	 	
68

	
Section 6.21

	
Reporting to the Commission

	 	
68

	
Section 6.22

	
Annual Statements of Compliance

	 	
73

	
Section 6.23

	
Annual Assessments of Compliance

	 	
73

	
Section 6.24

	
Accountant’s Attestation

	 	
75

	
Section 6.25

	
Intention of the Parties and Interpretation; Indemnification

	 	
75

	  	  	 	  
	
ARTICLE VII PURCHASE OF MORTGAGE LOANS AND TERMINATION OF THE TRUST FUND

	 	
76

	  	  	 	  
	
Section 7.01

	
Purchase of Mortgage Loans; Termination of Trust Fund Upon Purchase or Liquidation of All Mortgage Loans

	 	
76

	
Section 7.02

	
Procedure Upon Redemption and Termination of Trust Fund

	 	
77

	
Section 7.03

	
Additional Trust Fund Termination Requirements

	 	
78

	  	  	 	  
	
ARTICLE VIII RIGHTS OF CERTIFICATEHOLDERS

	 	
78

	  	  	 	  
	
Section 8.01

	
Limitation on Rights of Holders

	 	
78

	
Section 8.02

	
Access to List of Holders

	 	
79

	
Section 8.03

	
Acts of Holders of Certificates

	 	
80

	  	  	 	  
	
ARTICLE IX  ADMINISTRATION AND SERVICING OF MORTGAGE LOANS BY THE MASTER SERVICER

	 	
80

	  	  	 	  
	
Section 9.01

	
Duties of the Master Servicer; Enforcement of Servicer’s and Master Servicer’s Obligations

	 	
80

	
Section 9.02

	
Assumption of Master Servicing by Trustee

	 	
82

	
Section 9.03

	
Representations, Warranties and Covenants of the Master Servicer

	 	
83

	
Section 9.04

	
Compensation to the Master Servicer

	 	
85

	
Section 9.05

	
Merger or Consolidation

	 	
85

	
Section 9.06

	
Resignation of Master Servicer

	 	
85

	
Section 9.07

	
Assignment or Delegation of Duties by the Master Servicer

	 	
86

	
Section 9.08

	
Limitation on Liability of the Master Servicer and Others

	 	
86

	
Section 9.09

	
Indemnification; Third-Party Claims

	 	
86

	
Section 9.10

	
Master Servicer Fidelity Bond and Master Servicer Errors and Omissions Insurance Policy

	 	
87

	  	  	 	  
	
ARTICLE X REMIC ADMINISTRATION

	 	
87

	  	  	 	  
	
Section 10.01

	
REMIC Administration

	 	
87

	
Section 10.02

	
Prohibited Transactions and Activities

	 	
89

	
Section 10.03

	
Indemnification With Respect to Prohibited Transactions or Loss of REMIC Status

	 	
89

	
Section 10.04

	
REO Property

	 	
89

  

3

  

 

	
ARTICLE XI MISCELLANEOUS PROVISIONS

	 	
90

	  	  	 	  
	
Section 11.01

	
Binding Nature of Agreement; Assignment

	 	
90

	
Section 11.02

	
Entire Agreement

	 	
90

	
Section 11.03

	
Amendment

	 	
90

	
Section 11.04

	
Voting Rights

	 	
91

	
Section 11.05

	
Provision of Information

	 	
92

	
Section 11.06

	
Governing Law

	 	
92

	
Section 11.07

	
Notices

	 	
92

	
Section 11.08

	
Severability of Provisions

	 	
94

	
Section 11.09

	
Indulgences; No Waivers

	 	
94

	
Section 11.10

	
Headings Not to Affect Interpretation

	 	
94

	
Section 11.11

	
Benefits of Agreement

	 	
94

	
Section 11.12

	
Special Notices to the Rating Agency

	 	
94

	
Section 11.13

	
Conflicts

	 	
95

	
Section 11.14

	
Counterparts

	 	
95

	
Section 11.15

	
No Petitions

	 	
95

ATTACHMENTS

	
Exhibit A

	
Forms of Certificates

	
Exhibit B

	
Form of Residual Certificate Transfer Affidavit (Transferee)

	
Exhibit C

	
Residual Certificate Transfer Affidavit (Transferor)

	
Exhibit D

	
Form of Custodial Agreement

	
Exhibit E-1

	
Form of Rule 144A Transfer Certificate

	
Exhibit E-2

	
Form of Purchaser’s Letter for Qualified Institutional Buyers

	
Exhibit F

	
Form of Purchaser’s Letter for Institutional Accredited Investor

	
Exhibit G

	
Form of ERISA Transfer Affidavit

	
Exhibit H-1  

	
List of Purchase Agreements

	
Exhibit H-2

	
List of Servicing Agreements

	
Exhibit I

	
Additional Disclosure Notification

	
Exhibit J

	
Back-up Certificate to Form 10-K Certificate

	
Exhibit K

	
Servicing Criteria to Be Addressed in Assessment of Compliance

	
Exhibit L

	
Additional Form 10-D Disclosure

	
Exhibit M

	
Additional Form 10-K Disclosure

	
Exhibit N

	
Additional Form 8-K Disclosure

	
Exhibit O

	
Form of NRSRO Certification

	  	  
	
Schedule A

	
Mortgage Loan Schedule

  

4

  

This POOLING AND SERVICING AGREEMENT, dated as of September 1, 2011 (the “Agreement”), by and among SEQUOIA RESIDENTIAL FUNDING, INC., a Delaware corporation, as depositor (the “Depositor”), U.S. BANK NATIONAL ASSOCIATION, a national banking association, as trustee (the “Trustee”), and WELLS FARGO BANK, N.A., a national banking association, in its dual capacities as master servicer (the “Master Servicer”) and securities administrator (the “Securities Administrator”).

 

PRELIMINARY STATEMENT

 

The Depositor has acquired the Mortgage Loans from the Seller and at the Closing Date is the owner of the Mortgage Loans and related property being conveyed by the Depositor to the Trustee hereunder for inclusion in the Trust Fund.  On the Closing Date, the Depositor will acquire the Certificates from the Trustee as consideration for the Depositor’s transfer to the Trust Fund of the Mortgage Loans, and the other property constituting the Trust Fund.  The Depositor has duly authorized the execution and delivery of this Agreement to provide for the conveyance to the Trustee of the Mortgage Loans and the related property constituting the Trust Fund.  All covenants and agreements made by the Seller in the Mortgage Loan Purchase and Sale Agreement, each Purchase Agreement, each Servicing Agreement and in this Agreement and by the Depositor, the Master Servicer, the Securities Administrator and the Trustee herein, with respect to the Mortgage Loans and the other property constituting the Trust Fund, are for the benefit of the Holders from time to time of the Certificates.  The Depositor, the Master Servicer, the Securities Administrator and the Trustee are entering into this Agreement, and the Trustee is accepting the Trust Fund created hereby, for good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged.

 

As provided herein, the Trustee, at the direction of the Securities Administrator, shall elect that the Trust Fund be treated for federal income tax purposes as comprising two real estate mortgage investment conduits (each, a “REMIC” or, in the alternative, the “Lower-Tier REMIC” and the “Upper-Tier REMIC,” respectively).  Each Certificate, other than the Class R Certificate and the Class LT-R Certificate, is hereby designated as a regular interest in the Upper-Tier REMIC, as described herein.  The Class R Certificate represents and is hereby designated as the sole class of residual interest in the Upper-Tier REMIC.

 

The Class LT-R Certificate evidences ownership of the sole class of residual interest in the Lower-Tier REMIC (the “LT-R Interest”).  The Lower-Tier REMIC shall hold as its assets all property of the Trust Fund, other than the interests in any REMIC formed hereby.  Each Lower-Tier Interest other than the LT-R Interest shall be uncertificated and is hereby designated as a regular interest in the Lower-Tier REMIC and the LT-R Interest is hereby designated as the sole Class of residual interest in the Lower-Tier REMIC.  The Upper-Tier REMIC shall hold as its assets the Lower-Tier Interests other than the LT-R Interest.  

 

The Lower-Tier REMIC Interests

 

The following table sets forth (or describes) the Class designation, interest rate, and initial Class Principal Amount for each Class of Lower-Tier Interests:

 

	
Lower-Tier

REMIC Interest

Designation

	  	
Interest Rate

	  	
Initial Class

Principal

Amount

	  	
Corresponding

Class of

Certificate(s)

	
LT-A1

	  	
(1)

	  	
(2)

	  	
A-1, A-IO

	
LT-B1

	  	
(1)

	  	
(2)

	  	
B-1

	
LT-B2

	  	
(1)

	  	
(2)

	  	
B-2

	
LT-B3

	  	
(1)

	  	
(2)

	  	
B-3

	
LT-B4

	  	
(1)

	  	
(2)

	  	
B-4

	
LT-B5

	  	
(1)

	  	
(2)

	  	
B-5

	
LT-R

	  	
(1)

	  	
(3)

	  	
N/A

  

5

  

	
(1)

	
The interest rate with respect to any Distribution Date (and the related Accrual Period) for this Lower-Tier Interest will be a per annum rate equal to the Net WAC Rate for such Distribution Date.

	
(2)

	
This interest shall have an initial class principal amount equal to the aggregate Initial Class Principal Amount of its Corresponding Class(es) of Certificates (other than any interest-only certificates).

	
(3)

	
The LT-R Interest is the sole class of residual interest in the Lower-Tier REMIC.

 

On each Distribution Date, the Available Distribution Amount distributable as interest shall be deemed to have been distributed as interest with respect to the Lower-Tier Interests based on the interest rates described above.  On each Distribution Date, Interest Shortfalls shall be allocated to each Lower-Tier Interest to the same extent that such Interest Shortfalls are allocated to the related Class of Upper-Tier Interests.

 

On each Distribution Date, the remaining Available Distribution Amount distributable with respect to principal shall be deemed to have been distributed to the Lower-Tier Interests as follows:

 

	
  

	
(i)

	
first, to the Lower-Tier Interest LT-A1, until its Class Principal Amount equals the sum of the Class Principal Amount of the Class A-1 Certificate immediately after taking account of the distributions to such Class of Certificates pursuant to Section 5.02;

	
  

	
(ii)

	
second, to the LT-B1 Interest until its Class Principal Amount equals the Class Principal Amount of the Class B-1 Certificate immediately after taking account of the distributions to such Class of Certificates pursuant to Section 5.02;

	
  

	
(iii)

	
third, to the LT-B2 Interest until its Class Principal Amount equals the Class Principal Amount of the Class B-2 Certificate immediately after taking account of the distributions to such Class of Certificates pursuant to Section 5.02;

	
  

	
(iv)

	
fourth, to the LT-B3 Interest until its Class Principal Amount equals the Class Principal Amount of the Class B-3 Certificate immediately after taking account of the distributions to such Class of Certificates pursuant to Section 5.02;

	
  

	
(v)

	
fifth, to the LT-B4 Interest until its Class Principal Amount equals the Class Principal Amount of the Class B-4 Certificate immediately after taking account of the distributions to such Class of Certificates pursuant to Section 5.02;

	
  

	
(vi)

	
sixth, to the LT-B5 Interest until its Class Principal Amount equals the Class Principal Amount of the Class B-5 Certificate immediately after taking account of the distributions to such Class of Certificates pursuant to Section 5.02; and

	
  

	
(vii)

	
finally, to the LT-R Interest, any remaining amounts.

 

The Certificates and the Upper-Tier REMIC

 

The following table sets forth (or describes) the Class designation, Certificate Interest Rate, initial Class Principal Amount (or initial Class Notional Amount) and minimum denomination for each Class of Certificates comprising interests in the Trust Fund created hereunder.  The Class A-1, Class A-IO, Class B-1, Class B-2, Class B-3, Class B-4 and Class B-5 Certificates represent regular interests in the Upper-Tier REMIC; the Class R Certificate represents the sole class of residual interest in the Upper-Tier REMIC; and the Class LT-R Certificate represents the sole class of residual interest in the Lower-Tier REMIC and does not represent an interest in the Upper Tier REMIC.

  

6

  

	
Class

Designation

	  	
Certificate

Interest Rate

	  	
Initial

Class Principal

Amount or

Class Notional

Amount

	  	
Minimum

Denominations

or Percentage

Interest

	
Class A-1

	  	
(1)

	  	
$347,460,000

	  	
$100,000

	
Class A-IO

	  	
(2)

	  	
(3)

	  	
100%

	
Class B-1

	  	
Net WAC Rate

	  	
$10,319,000

	  	
$100,000

	
Class B-2

	  	
Net WAC Rate

	  	
$4,878,000

	  	
$100,000

	
Class B-3

	  	
Net WAC Rate

	  	
$5,440,000

	  	
$100,000

	
Class B-4

	  	
Net WAC Rate

	  	
$3,002,000

	  	
$100,000

	
Class B-5

	  	
Net WAC Rate

	  	
$4,128,254

	  	
$100,000

	
Class R

	  	
Net WAC Rate

	  	
(4)

	  	
100%

 

	
(1)

	
The Certificate Interest Rate of the Class A-1 Certificates will be an annual rate equal to the lesser of (a) the Net WAC Rate and (b) 3.900%.

	
(2)

	
The Certificate Interest Rate of the Class A-IO Certificates will be an annual rate equal to the excess, if any, of the Net WAC Rate over 3.900%.

	
(3)

	
The Class A-IO Certificate is an interest only Certificate and for any Distribution Date the Class Notional Amount of the Class A-IO Certificates is equal to the Class Principal Amount of the Class A-1 Certificates immediately before such Distribution Date.  The initial Class Notional Amount of the Class A-IO Certificates is $347,460,000.

	
(4)

	
Amounts allocated to the Class LT-R Certificate pursuant to Sections 5.02(a)(xiii) and 5.02(d) shall be excluded from the Available Distribution Amount for the Upper-Tier REMIC.

As of the Cut-off Date, the Mortgage Loans had an Aggregate Stated Principal Balance of $375,227,254.13.

 

In consideration of the mutual agreements herein contained, the Depositor, the Master Servicer, the Securities Administrator and the Trustee hereby agree as follows.

ARTICLE I

DEFINITIONS

 

Section 1.01              Definitions.  The following words and phrases, unless the context otherwise requires, shall have the following meanings:

 

10-K Filing Deadline:  As defined in Section 6.21(b)(i) hereof.

  

Accepted Master Servicing Practices:  With respect to any Mortgage Loan, those mortgage master servicing practices of prudent mortgage master servicing institutions which master service mortgage loans of the same type as such Mortgage Loan in the jurisdiction where the related Mortgaged Property is located.

  

7

  

Accountant:  A Person engaged in the practice of accounting who (except when this Agreement provides that an Accountant must be Independent) may be employed by or affiliated with the Depositor or an Affiliate of the Depositor.

 

Accountant’s Attestation:  As defined in Section 6.24.

 

Accrual Period:  With respect to any Distribution Date and for each Class of Certificates, the calendar month preceding the month in which the Distribution Date occurs.  Interest shall accrue on all Classes of Certificates and on all Lower-Tier Interests on the basis of a 360-day year consisting of twelve 30-day months.

 

Acknowledgements:  The Assignment of Representations and Warranties Agreements and the Assignment, Assumption and Recognition Agreements, each dated September 27, 2011, assigning rights under the Purchase Agreements and the Servicing Agreements, respectively, from the Seller to the Depositor and from the Depositor to the Trustee, for the benefit of the Certificateholders, acknowledged by the Master Servicer, and providing certain rights to the Controlling Holder.

 

Additional Form 10-D Disclosure:  As defined in Section 6.21(a)(i).

 

Additional Form 10-K Disclosure:  As defined in Section 6.21(b)(i).

 

Additional Servicer: Each affiliate of a Servicer that services any of the Mortgage Loans and each Person who is not an affiliate of the Depositor or a Servicer, who services 10% or more of the Mortgage Loans (measured by aggregate Stated Principal Balance of the Mortgage Loans annually at the commencement of the calendar year prior to the year in which an Item 1123 Certificate is required to be delivered).  For clarification purposes, the Master Servicer and the Securities Administrator are Additional Servicers.

Advance:  The payments required to be made by the Master Servicer or the applicable Servicer with respect to any Distribution Date pursuant to this Agreement or the Servicing Agreements, as applicable, the amount of any such payment being equal to the aggregate of the payments of principal and interest (net of the Master Servicing Fee and/or the applicable Servicing Fee) on the Mortgage Loans that were due on the related Due Date and not received as of the close of business on the related Determination Date, less the aggregate amount of any such delinquent payments that the Master Servicer or the Servicers have determined would constitute Nonrecoverable Advances if advanced.

 

Adverse REMIC Event:  Either (i) loss of status as a REMIC, within the meaning of Section 860D of the Code, for any group of assets identified as a REMIC in the Preliminary Statement to this Agreement, or (ii) imposition of any tax, including the tax imposed under Section 860F(a)(1) on prohibited transactions, and the tax imposed under Section 860G(d) on certain contributions to a REMIC, on any REMIC created hereunder to the extent such tax would be payable from assets held as part of the Trust Fund.

 

Affiliate:  With respect to any specified Person, any other 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.

 Aggregate Expense Rate:  The sum of the Master Servicing Fee Rate and the applicable Servicing Fee Rate.

  

8

  

Aggregate Stated Principal Balance:  As to any Distribution Date, the aggregate of the Stated Principal Balances for all Mortgage Loans which were outstanding on the Due Date in the month preceding the month of such Distribution Date.

 

Aggregate Voting Interests:  The aggregate of the Voting Interests of all the Certificates under this Agreement.

 

Agreement:  This Pooling and Servicing Agreement and all amendments and supplements hereto.

 

Applicable Credit Support Percentage:  As to any Class of Subordinate Certificates and any Distribution Date, the sum of the Class Subordination Percentage of such Class and the aggregate of the Class Subordination Percentages of all other Classes (if any) of Subordinate Certificates having higher numerical Class designations than such Class.

 

Appraised Value:  With respect to any Mortgage Loan, the Appraised Value of the related Mortgaged Property shall be the lesser of:  (i) the value (or the Reconciled Market Value if more than one appraisal is received) thereof as determined by a Qualified Appraiser at the time of origination of the Mortgage Loan, and (ii) the purchase price paid for the related Mortgaged Property by the Mortgagor with the proceeds of the Mortgage Loan; provided, however, that in the case of a Refinancing Mortgage Loan, such value (or the Reconciled Market Value if more than one appraisal is received) of the Mortgaged Property is based solely upon the value determined by an appraisal or appraisals made for the originator of such Refinancing Mortgage Loan at the time of origination of such Refinancing Mortgage Loan by a Qualified Appraiser.

 

Appraiser Independence Requirements: The Appraiser Independence Requirements effective as of October 15, 2010, as amended and in effect from time to time.

Assessment of Compliance:  As defined in Section 6.23(a).

 

Authenticating Agent:  Any authenticating agent appointed by the Trustee pursuant to Section 6.10 until any successor authenticating agent for the Certificates is named, and thereafter  “Authenticating Agent” shall mean any such successor.  The initial Authenticating Agent shall be the Securities Administrator under this Agreement.

 

Authorized Officer:  Any Person who may execute an Officer’s Certificate on behalf of the Depositor.

 

Available Distribution Amount:  With respect to any Distribution Date, the sum of the following amounts: (i) all scheduled payments of interest (net of the Servicing Fees and the Master Servicing Fee) and principal due during the related Due Period, together with any Advances in respect thereof; (ii) Insurance Proceeds received during the related Prepayment Period; (iii) Liquidation Proceeds received during the related Prepayment Period (net of unreimbursed expenses incurred in connection with a liquidation or foreclosure and unreimbursed Advances and Servicing Advances, if any); (iv) Subsequent Recoveries received during the related Prepayment Period; (v) all Principal Prepayments, together with any accrued interest thereon, identified as having been received on the Mortgage Loans during the related Prepayment Period, plus any amounts received from the Servicers or the Master Servicer in respect of Prepayment Interest Shortfalls on such Mortgage Loans; (vi) amounts received with respect to such Distribution Date as the Substitution Amount and the Repurchase Price in respect of a Deleted Mortgage Loan or a Mortgage Loan purchased by an Originator or the Seller as of such Distribution Date as a result of a breach of a representation or warranty or by the Controlling Holder pursuant to Section 2.07; and (vii) the Clean-up Call Price paid by the party exercising its right to purchase the Mortgage Loans and terminate the Trust Fund, if applicable; minus

  

9

  

(A) amounts applied to reimburse Advances and Servicing Advances previously made and other amounts as to which the Servicers are entitled to be reimbursed pursuant to the Servicing Agreements; (B) amounts applied to reimburse Advances and Servicing Advances previously made as to which the Master Servicer is entitled to be reimbursed pursuant to this Agreement; and (C) the sum of all related fees, charges and other costs, including indemnification amounts and costs of arbitration (other than the Master Servicing Fee and amounts required to be paid by the Master Servicer from the Master Servicing Fee) payable or reimbursable to the Master Servicer, the Securities Administrator and the Trustee from the Trust Fund under this Agreement and the Custodian under the Custodial Agreement, subject to an aggregate maximum amount of $300,000 annually (per year from the Closing Date to the first anniversary of the Closing Date and each subsequent anniversary year thereafter) to be paid to such parties collectively, in the order claims for payment of such amounts are received by the Securities Administrator; provided, however, that if a claim is presented for an amount that, when combined with the amount of prior claims paid during that year, would exceed $300,000, then only a portion of such claim will be paid that will make the total amount paid during that year equal to $300,000 and the excess remaining unpaid, together with any additional claims received during that year, will be deferred until the following anniversary year and if the total amount of such deferred claims exceeds $300,000 then payment in such following anniversary year (and each subsequent anniversary year as may be needed until such deferred claims are paid in full) shall be apportioned among the Master Servicer, the Securities Administrator, the Custodian and the Trustee, in proportion to the aggregate amount of deferred claims submitted by such entity as of the last day of the prior year; provided that, in no event will the aggregate amount reimbursable to the Trustee exceed $100,000 annually (per year from the Closing Date to the first anniversary of the Closing Date and each subsequent anniversary year thereafter).

Back-Up Certificate:  As defined in Section 6.21(e).

 

Bankruptcy:  As to any Person, the making of an assignment for the benefit of creditors, the filing of a voluntary petition in bankruptcy, adjudication as a bankrupt or insolvent, the entry of an order for relief in a bankruptcy or insolvency proceeding, the seeking of reorganization, arrangement, composition, readjustment, liquidation, dissolution or similar relief, or seeking, consenting to or acquiescing in the appointment of a trustee, receiver or liquidator, dissolution, or termination, as the case may be, of such Person pursuant to the provisions of either the Bankruptcy Code or any other similar state laws.

 

Bankruptcy Code:  The United States Bankruptcy Code, as amended.

 

Benefit Plan Opinion:  An Opinion of Counsel satisfactory to the Certificate Registrar, the Depositor and the Trustee to the effect that any proposed transfer will not (i) cause the assets of the Trust Fund to be regarded as plan assets for purposes of the Plan Asset Regulations or (ii) give rise to any fiduciary duty on the part of the Depositor or the Trustee.

 

Book-Entry Certificates:  Beneficial interests in Certificates designated as “Book-Entry Certificates” in this Agreement, ownership and transfers of which shall be evidenced or made through book entries by a Clearing Agency as described in Section 3.09; provided, that after the occurrence of a Book-Entry Termination whereupon book-entry registration and transfer are no longer permitted and Definitive Certificates are to be issued to Certificate Owners, such Book-Entry Certificates shall no longer be “Book-Entry Certificates.”  As of the Closing Date, the following Classes of Certificates constitute Book-Entry Certificates:  Class A-1, Class A-IO, Class B-1, Class B-2 and Class B-3.

Book-Entry Termination:  As defined in Section 3.09(c).

 

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

  

10

  

Certificate:  Any one of the certificates signed by the Trustee and authenticated by the Securities Administrator as Authenticating Agent in substantially the forms attached hereto as Exhibit A.

 

Certificate Interest Rate:  With respect to each Class of Certificates and any Distribution Date, the applicable per annum rate described in the Preliminary Statement to this Agreement.

 

Certificate Owner:  With respect to a Book-Entry Certificate, the Person who is the owner of such Book-Entry Certificate, as reflected on the books of the Clearing Agency, or on the books of a Person maintaining an account with such Clearing Agency (directly or as an indirect participant, in accordance with the rules of such Clearing Agency).

 

Certificate Principal Amount:  With respect to any Certificate (other than the Class A-IO, Class R and Class LT-R Certificates), at the time of determination, the maximum specified dollar amount of principal to which the Holder thereof is then entitled hereunder, such amount being equal to the initial principal amount set forth on the face of such Certificate, less (i) the amount of all principal distributions previously made with respect to such Certificate; (ii) the principal portion of all Realized Losses previously allocated to such Certificate; and (iii) any Certificate Writedown Amount previously allocated to such Certificate; provided, however, that on any Distribution Date on which a Subsequent Recovery is distributed, the Certificate Principal Amount of any Certificate then outstanding to which a Certificate Writedown Amount or Realized Loss amount has been applied will be increased sequentially, in order of seniority, by an amount equal to the lesser of (A) the principal portion of any Certificate Writedown Amount or Realized Loss amount previously allocated to that Certificate to the extent not previously recovered and (B) the principal portion of any Subsequent Recovery allocable to such Certificate after application (for this purpose) to more senior Classes of Certificates pursuant to this Agreement; and provided further that on any Distribution Date on which the Aggregate Stated Principal Balance of the Mortgage Loans exceeds the aggregate Certificate Principal Amount, such excess will be allocated to increase the Certificate Principal Amount of any Certificate then outstanding to which a Certificate Writedown Amount or Realized Loss amount has previously been allocated, sequentially in order of seniority, up to the principal amount of such Certificate Writedown Amount or Realized Loss to the extent not previously recovered.  The Class A-IO, Class R and Class LT-R Certificates are issued without Certificate Principal Amounts.

 

Certificate Register and Certificate Registrar:  The register maintained and the registrar appointed pursuant to Section 3.02.  The Securities Administrator will act as the initial Certificate Registrar.

Certificate Writedown Amount:  The amount by which the aggregate Certificate Principal Amount of all the Certificates (other than the Class A-IO, Class R and Class LT-R Certificates) on any Distribution Date (after giving effect to distributions of principal and allocations of Realized Losses on that Distribution Date) exceeds the Aggregate Stated Principal Balance of the Mortgage Loans for the Distribution Date.

 

Certificateholder:  The meaning provided in the definition of “Holder.”

 

Certification:  As defined in the Custodial Agreement.

Civil Relief Act:  The Servicemembers Civil Relief Act, as amended, or any similar state or local law.

 

Class:  Collectively, Certificates bearing the same class designation.  In the case of the Lower-Tier REMIC, the term “Class” refers to all Lower-Tier Interests having the same alphanumeric designation.

 

Class LT-R Certificate:  The Class LT-R Certificate executed by the Trustee and authenticated and delivered by the Authenticating Agent, substantially in the form annexed as Exhibit A and evidencing ownership of the LT-R Interest.

  

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Class R Certificate:  The Class R Certificate executed by the Trustee, and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A, and evidencing the ownership of the sole residual interest in the Upper-Tier REMIC.

Class Notional Amount:  With respect to the Interest-Only Certificates, the applicable class notional amount calculated as provided in the Preliminary Statement to this Agreement.

 

Class Principal Amount:  With respect to each Class of Certificates (other than the Class A-IO, Class R and Class LT-R Certificates), the aggregate of the Certificate Principal Amounts of all Certificates of such Class at the date of determination.  With respect to any Lower-Tier Interest, the initial Class Principal Amount as shown or described in the table set forth in the Preliminary Statement to this Agreement for the Lower-Tier REMIC, as reduced by principal distributed with respect to such Lower-Tier Interest and Realized Losses allocated to such Lower-Tier Interest at the date of determination.

 

Class Subordination Percentage:  With respect to each Class of Subordinate Certificates, for each Distribution Date, the percentage obtained by dividing the Class Principal Amount of such Class prior to any distributions of principal or allocations of Realized Losses on that Distribution Date by the aggregate of the Class Principal Amounts of all Classes of Certificates (other than the Class A-IO, Class R and Class LT-R Certificates) prior to any distributions of principal or allocations of Realized Losses on that Distribution Date.

 

Clean-up Call:  The optional purchase of the Mortgage Loans and all property acquired in respect of any Mortgage Loan remaining in the Trust Fund on any date on which the Aggregate Stated Principal Balance is less than 20% or 5%, as applicable, of the Aggregate Stated Principal Balance as of the Cut-off Date, in accordance with Section 7.01(d) or (e) of this Agreement.

Clean-up Call Price:  The price paid by the party exercising the Clean-up Call pursuant to Section 7.01(d) or (e) of this Agreement, which is equal to the sum of (i) 100% of the aggregate outstanding principal balance of the Mortgage Loans plus accrued interest thereon, to, but not including, the first day of the month in which the Clean-up Call Price is to be distributed and (ii) the fair market value of any REO Property; provided, however, that such purchase price may be increased as is necessary, as determined by the Depositor, to avoid disqualification of any REMIC created under this Agreement as a REMIC.

Clearing Agency:  An organization registered as a “clearing agency” pursuant to Section 17A of the Exchange Act.  As of the Closing Date, the Clearing Agency shall be The Depository Trust Company.

 

Clearing Agency Participant:  A broker, dealer, bank, other financial institution or other Person for whom from time to time a Clearing Agency effects book-entry transfers and pledges of securities deposited with the Clearing Agency.

 

Closing Date:  September 27, 2011.

 

Code:  The Internal Revenue Code of 1986, as amended, and as it may be further amended from time to time, any successor statutes thereto, and applicable U.S. Department of Treasury regulations issued pursuant thereto in temporary or final form.

 

Commission:  U.S. Securities and Exchange Commission.

  

Controlling Holder:  At any time, any Affiliate of the Depositor other than the Seller, so long as such entity is the Holder of the majority of the Class Principal Amount of the most subordinate Class of Certificates then outstanding with a Class Principal Amount greater than zero; if an Affiliate of the Depositor other than the Seller is no longer the Holder of such Certificates, then no entity will have any rights under this Agreement as a Controlling Holder.  Neither the Depositor nor the Seller shall be a Controlling Holder.

  

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Cooperative Corporation:  The entity that holds title (fee or an acceptable leasehold estate) to the real property and improvements constituting the Cooperative Property and which governs the Cooperative Property, which Cooperative Corporation must qualify as a Cooperative Housing Corporation under Section 216 of the Code.

 

Cooperative Loan:  Any Mortgage Loan secured by Cooperative Shares and a Proprietary Lease.

 

Cooperative Property:  The real property and improvements owned by the Cooperative Corporation, that includes the allocation of individual dwelling units to the holders of the shares of the Cooperative Corporation.

 

Cooperative Shares:  Shares issued by a Cooperative Corporation.

 

Corporate Trust Office:  With respect to the Trustee, the corporate trust office of the Trustee located at 60 Livingston Avenue, EP-MN-WS3D, St. Paul, Minnesota, 55107, Attention: Structured Finance/Sequoia Mortgage Loan Trust 2011-2, or at such other address as the Trustee may designate from time to time by notice to the Certificateholders, the Depositor, the Master Servicer and the Securities Administrator or the principal corporate trust office of any successor Trustee.  With respect to the Certificate Registrar and presentment of Certificates for registration of transfer, exchange or final payment, Sixth Street and Marquette Avenue, Minneapolis, Minnesota  55479, Attention:  Corporate Trust Services Sequoia Mortgage Trust 2011-2.

 

Corresponding Class of Certificates:  With respect to each Lower-Tier Interest, the Class or Classes of Certificates appearing opposite such Lower-Tier Interest, as described in the Preliminary Statement to this Agreement.

 

Credit Support Depletion Date:  The first Distribution Date, if any, on which the aggregate of the Class Principal Amounts of the Subordinate Certificates has been reduced to zero.

 

Current Interest:  With respect to each Class of Certificates and any Distribution Date, the aggregate amount of interest accrued at the applicable Certificate Interest Rate during the related Accrual Period on the Class Principal Amount or Class Notional Amount, as applicable, of such Class prior to any distributions of principal or allocations of Realized Losses prior to such Distribution Date.

 

Custodial Accounts:  Each Custodial Account (other than an Escrow Account) established and maintained by a Servicer pursuant to a Servicing Agreement with respect to the Mortgage Loans.

Custodial Agreement:  The Custodial Agreement, dated as of September 1, 2011, among the Depositor, the Seller, the Trustee, Wells Fargo Bank, N.A., as Custodian and Wells Fargo Bank, N.A., as Master Servicer, as amended from time to time.  A copy of the Custodial Agreement is attached hereto as Exhibit D.

 

Custodian:  A Person who is at any time appointed by the Trustee as a custodian of all or a portion of the Mortgage Documents and the Trustee Mortgage Files and listed on the Mortgage Loan Schedule as the Custodian of such Mortgage Documents and Trustee Mortgage Files.  The initial Custodian is Wells Fargo Bank, N.A.

 

Cut-off Date:  September 1, 2011.

  

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Debt Service Reduction:  With respect to any Mortgage Loan, a reduction in the Scheduled Payment for such Mortgage Loan by a court of competent jurisdiction in a proceeding under the Bankruptcy Code, which became final and non-appealable, except such a reduction resulting from a Deficient Valuation or any reduction that results in a permanent forgiveness of principal.

 

Defective Mortgage Loan:  The meaning specified in Section 2.04.

 

Deficient Valuation:  With respect to any Mortgage Loan, a valuation of the related Mortgaged Property by a court of competent jurisdiction in an amount less than the then outstanding indebtedness under the Mortgage Loan, or any reduction in the amount of principal to be paid in connection with any Scheduled Payment that results in a permanent forgiveness of principal, which valuation or reduction results from an order of such court which is final and non-appealable in a proceeding under the Bankruptcy Code.

 

Definitive Certificate:  A Certificate of any Class issued in definitive, fully registered, certificated form, which shall initially be the Class B-4, Class B-5, Class LT-R and Class R Certificates.

 

Deleted Mortgage Loan:  A Mortgage Loan replaced or to be replaced with a Qualified Substitute Mortgage Loan in accordance with a Purchase Agreement or Servicing Agreement.

 

Delinquent:  Any Mortgage Loan with respect to which the Scheduled Payment due on a Due Date is not received, based on the Mortgage Bankers Association method of calculating delinquency.

 

Demand:  As defined in Section 4.04(a).

 

Depositor:  Sequoia Residential Funding, Inc., a Delaware corporation having its principal place of business in California, or its successors in interest.

 

Determination Date:  With respect to each Distribution Date, the 16th day of the month in which such Distribution Date occurs, or, if such 16th day is not a Business Day, the next succeeding Business Day; provided, however, that with respect to a Servicer and such Servicer's Advance obligations pursuant to the related Servicing Agreement, the Determination Date is the date set forth in the related Servicing Agreement.

 

Disqualified Organization:  A “disqualified organization” as defined in Section 860E(e)(5) of the Code.

 

Distribution Account:  The separate Eligible Account created and maintained by the Securities Administrator, on behalf of the Trustee, pursuant to Section 4.01.  Funds in the Distribution Account (exclusive of any earnings on investments made with funds deposited in the Distribution Account) shall be held in trust for the Certificateholders for the uses and purposes set forth in this Agreement.

 

Distribution Date:  The 25th day of each month or, if such 25th day is not a Business Day, the next succeeding Business Day, commencing in October 2011.

 

Distribution Date Statement:  As defined in Section 4.02.

 

Due Date:  With respect to any Mortgage Loan, the date on which a Scheduled Payment is due under the related Mortgage Note as indicated in the applicable Servicing Agreement, exclusive of any days of grace.

 

Due Period:  As to any Distribution Date, the period beginning on the second day of the calendar month preceding the month in which such Distribution Date occurs, and ending on the first day of the calendar month in which such Distribution Date occurs.

  

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Eligible Account:  Any account or accounts maintained with a federal or state chartered depository institution or trust company the short-term and long-term unsecured debt obligations of which (or, in the case of a depository institution or trust company that is the principal subsidiary of a holding company, the debt obligations of such holding company) are rated in the highest rating category of the Rating Agency with respect to short-term unsecured debt obligations and in one of the two highest rating categories of the Rating Agency with respect to long-term unsecured debt obligations at the time any amounts are held on deposit therein. Eligible Accounts may bear interest, and may include, if otherwise qualified under this definition, accounts maintained with the Trustee or the Paying Agent.  If the rating of the short-term or long-term unsecured debt obligations of the depository institution or trust company that maintains the account or accounts is no longer in the highest rating category of the Rating Agency with respect to short-term unsecured debt obligations or in one of the two highest rating categories of the Rating Agency with respect to long-term unsecured debt obligations, the funds on deposit therewith in connection with this transaction shall be transferred to an Eligible Account within 30 days of such downgrade.

 

Eligible Investments:  At any time, any one or more of the following obligations and securities:

 

(i)           direct obligations of, and obligations fully guaranteed by the United States of America or any agency or instrumentality of the United States of America the obligations of which are backed by the full faith and credit of the United States of America;

(ii)          (a) demand or time deposits, federal funds or bankers’ acceptances issued by any depository institution or trust company incorporated under the laws of the United States of America or any state thereof and subject to supervision and examination by federal and/or state banking authorities, provided that the commercial paper and/or the short-term deposit rating and/or the long-term unsecured debt obligations or deposits of such depository institution or trust company at the time of such investment or contractual commitment providing for such investment are rated in the highest rating category by the Rating Agency for long-term unsecured debt with a maturity of more than one year or in the highest rating category with respect to short-term obligations and (b) any other demand or time deposit or certificate of deposit that is fully insured by the FDIC;

(iii)         repurchase obligations with a term not to exceed thirty (30) days and with respect to any security described in clause (i)  above and entered into with a depository institution or trust company (acting as principal) described in clause (ii)(a) above;

(iv)         securities bearing interest or sold at a discount issued by any corporation incorporated under the laws of the United States of America or any state thereof that are rated in the highest rating category by the Rating Agency for long-term unsecured debt with a maturity of more than one year or in the highest rating category with respect to short-term obligations, in each case at the time of such investment or contractual commitment providing for such investment; provided, however, that securities issued by any particular corporation will not be Eligible Investments to the extent that investments therein will cause the then outstanding principal amount of securities issued by such corporation and held as Eligible Investments to exceed 10% of the aggregate outstanding principal balances of all of the Mortgage Loans and Eligible Investments;

(v)          commercial paper (including both non-interest-bearing discount obligations and interest-bearing obligations payable on demand or on a specified date not more than one year after the date of issuance thereof) that is rated in the highest rating category by the Rating Agency at the time of such investment; and

(vi)         any money market funds rated in one of the two highest rating categories by the Rating Agency for long-term unsecured debt with a maturity of more than one year or in the highest rating category with respect to short-term obligations, including any such fund managed or advised by the Trustee or any of its Affiliates;

  

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provided, however, that no instrument or security shall be a 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.

ERISA:  The Employee Retirement Income Security Act of 1974, as amended.

 

ERISA-Qualifying Underwriting:  A best efforts or firm commitment underwriting or private placement that meets the requirements of an Underwriter’s Exemption.

 

ERISA-Restricted Certificate:  The Class R, Class LT-R, Class B-2, Class B-3, Class B-4 or Class B-5 Certificates and any Certificate that does not satisfy the applicable rating requirement under the Underwriter’s Exemption.

 

Escrow Account:  As defined in Section 1.01 of each Servicing Agreement.

 

Event of Default:  Any one of the conditions or circumstances enumerated in Section 6.14.

 

Exception Report:  As defined in the Custodial Agreement.

Exchange Act:  The Securities Exchange Act of 1934, as amended, and the rules and regulations thereunder.

 

Fannie Mae:  Fannie Mae or any successor thereto.

 

FDIC:  The Federal Deposit Insurance Corporation or any successor thereto.

 

FIRREA:  The Financial Institutions Reform, Recovery, and Enforcement Act of 1989, as amended and in effect from time to time.

Fitch:  Fitch, Inc., or any successor in interest.

Form 8-K Disclosure Information:  As defined in Section 6.21(c)(i).

 

Freddie Mac:  Freddie Mac, or any successor thereto.

Holder or Certificateholder:  The registered owner of any Certificate as recorded on the books of the Certificate Registrar except that, solely for the purposes of taking any action or giving any consent pursuant to this Agreement, any Certificate registered in the name of the Trustee, the Master Servicer, the Securities Administrator or either Servicer, or any Affiliate thereof shall be deemed not to be outstanding in determining whether the requisite percentage necessary to take such action or effect such consent has been obtained, and, in determining whether the Trustee shall be protected in taking such action or in relying upon such consent, only Certificates which a Responsible Officer of the Trustee actually knows to be so owned shall be disregarded.  The Trustee, the Certificate Registrar and the Securities Administrator may request and conclusively rely on certifications by the Master Servicer, the Securities Administrator  or either Servicer in determining whether any Certificates are registered to an Affiliate of the Master Servicer, the Securities Administrator  or either Servicer.

 

HUD:  The United States Department of Housing and Urban Development, or any successor thereto.

  

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Independent:  When used with respect to any Accountants, a Person who is “independent” within the meaning of Rule 2-01(b) of the Securities and Exchange Commission’s Regulation S-X.  When used with respect to any other Person, a Person who (a) is in fact independent of another specified Person and any Affiliate of such other Person, (b) does not have any material direct financial interest in such other Person or any Affiliate of such other Person, and (c) is not connected with such other Person or any Affiliate of such other Person as an officer, employee, promoter, underwriter, trustee, partner, director or Person performing similar functions.

 

Insurance Policy:  With respect to any Mortgage Loan, any insurance policy, including all names and endorsements thereto in effect, including any replacement policy or policies for any Insurance Policies.

 

Insurance Proceeds:  Proceeds paid by any Insurance Policy (excluding proceeds required to be applied to the restoration and repair of the related Mortgaged Property or released to the Mortgagor), in each case other than any amount included in such Insurance Proceeds in respect of Insured Expenses.

 

Insured Expenses:  Expenses covered by an Insurance Policy or any other insurance policy with respect to the Mortgage Loans.

 

Interest Distribution Amount:  For each Class of Certificates on any Distribution Date, the Current Interest for such Class as reduced by such Class’s share of Net Prepayment Interest Shortfalls and Relief Act Shortfalls, which shall be allocated to each Class on a pro rata basis based on the amount of Current Interest payable to each such Class.  

 

Interest-Only Certificates:  The Class A-IO Certificates.

 

Interest Shortfall:  As to any Class of Certificates and any Distribution Date, the amount by which (i) the Interest Distribution Amount for such Class on all prior Distribution Dates exceeds (ii) amounts distributed in respect of interest to such Class on prior Distribution Dates.

  

Item 1123 Certificate:  As defined in Section 6.22.

Latest Possible Maturity Date:  The Distribution Date occurring in September 2041.

 

Liquidated Mortgage Loan:  With respect to any Distribution Date, a defaulted Mortgage Loan (including any REO Property) as to which, prior to the close of business on the Business Day immediately preceding the Due Date, the applicable Servicer has determined that all recoverable Liquidation Proceeds and Insurance Proceeds have been received.

 

Liquidation Proceeds:  All cash amounts, including Insurance Proceeds, received in connection with the partial or complete liquidation of defaulted Mortgage Loans, whether through trustee’s sale, foreclosure sale or otherwise or amounts received in connection with any condemnation or partial release of a Mortgaged Property and any other net proceeds received in connection with the disposition of an REO Property.

 

Loan-To-Value Ratio:  With respect to any Mortgage Loan and as to any date of determination, the fraction (expressed as a percentage) the numerator of which is the principal balance of the related Mortgage Loan at such date of determination and the denominator of which is the Appraised Value of the related Mortgaged Property.

 

Lower-Tier Interest:  Any one of the interests in the Lower-Tier REMIC as described in the Preliminary Statement to this Agreement.

 

Lower-Tier REMIC:  As described in the Preliminary Statement to this Agreement.

  

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LT-R Interest:  The residual interest in the Lower-Tier REMIC, as described in the Preliminary Statement to this Agreement.

 

Master Servicer:  Wells Fargo Bank, N.A., a national banking association organized under the laws of the United States in its capacity as Master Servicer and any successor in interest, or if any successor master servicer shall be appointed as herein provided, then such successor master servicer.

Master Servicer Compensating Interest Payment:  As to any Distribution Date and the Master Servicer, the lesser of (1) the Master Servicing Fee for such date and (2) any Prepayment Interest Shortfalls for such date (to the extent such Prepayment Interest Shortfalls are required to be paid but are not actually paid by the Servicers as a Servicer Compensating Interest Payment).

Master Servicing Fee:  With respect to any Distribution Date, an amount equal to the product of one-twelfth of the Master Servicing Fee Rate and the Stated Principal Balance of each Mortgage Loan as of the first day of the related Due Period.

Master Servicing Fee Rate:  0.0175% per annum.

Master Servicing Transfer Costs:  All reasonable costs and expenses incurred by the Trustee in connection with the appointment of a successor master servicer and the transfer of master servicing from a predecessor master servicer, including, without limitation, any reasonable costs or expenses associated with the identification and engagement of a successor master servicer, the documentation of the assumption of master servicing by the successor master servicer, the complete transfer of all master servicing data and the completion, correction or manipulation of such master servicing data as may be required by the Trustee or the successor master servicer to correct any errors or insufficiencies in the master servicing data or otherwise to enable the Trustee or other successor master servicer to master service the Mortgage Loans properly and effectively.

Moody’s:  Moody’s Investors Service, Inc., or any successor in interest.

Mortgage:  A mortgage, deed of trust or other instrument creating a first lien on, or first priority ownership interest in, an estate in fee simple in real property securing a Mortgage Note, together with improvements thereto.

 

Mortgage Documents:  With respect to each Mortgage Loan, the mortgage documents required to be delivered to the Custodian pursuant to the Custodial Agreement.

 

Mortgage Loan:  A Mortgage and the related Mortgage Note or other evidences of indebtedness secured by each such Mortgage conveyed, transferred, sold, assigned to or deposited with the Trustee pursuant to Section 2.01 (including any Qualified Substitute Mortgage Loan and REO Property), including without limitation, each Mortgage Loan listed on the Mortgage Loan Schedule, as amended from time to time.

 

Mortgage Loan Purchase and Sale Agreement:  The mortgage loan purchase and sale agreement, dated as of September 27, 2011, between the Seller and the Depositor.

 

Mortgage Loan Schedule:  The schedule attached hereto as Schedule A, which shall identify each Mortgage Loan, as such schedule may be amended by the Depositor or the Servicer from time to time to reflect the addition of Qualified Substitute Mortgage Loans to, or the deletion of Deleted Mortgage Loans from, the Trust Fund. 

  

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Mortgage Note:  The original executed note or other evidence of the indebtedness of a Mortgagor secured by a Mortgage under a Mortgage Loan.

  

Mortgaged Property:  The underlying property securing a Mortgage Loan which, with respect to a Cooperative Loan, is the related Cooperative Shares and Proprietary Lease.

 

Mortgage Rate:  As to any Mortgage Loan and any Distribution Date, the annual rate of interest borne by the related Mortgage Note as of the related Due Date, taking into account any Servicing Modification or other amendments to the Mortgage Note.

 

Mortgagor:  The obligor on a Mortgage Note.

 

Net Liquidation Proceeds:  With respect to any Liquidated Mortgage Loan or any other disposition of related Mortgaged Property, the related Liquidation Proceeds net of Advances, Servicing Advances, related Servicing Fees and/or Master Servicing Fees and any other accrued and unpaid servicing fees received and retained in connection with the liquidation of such Mortgage Loan or Mortgaged Property.

 

Net Mortgage Rate:  With respect to any Mortgage Loan and any Distribution Date, the related Mortgage Rate as of the Due Date in the month preceding the month of such Distribution Date reduced by the Aggregate Expense Rate.

 

Net Prepayment Interest Shortfall:  With respect to any Mortgage Loan and any Distribution Date, the amount by which any Prepayment Interest Shortfall for the related Due Period exceeds the amount of Master Servicer Compensating Interest Payment paid by the Master Servicer and Servicer Compensating Interest Payment paid by the applicable Servicer in respect of such shortfall for such Due Period.

  

Net WAC Rate:  With respect to any Distribution Date, the weighted average of the Net Mortgage Rates for all the Mortgage Loans as of the first day of the calendar month immediately preceding the calendar month of that Distribution Date, weighted on the basis of their Stated Principal Balances.

Non-Book-Entry Certificate:  Any Certificate other than a Book-Entry Certificate.

 

Non-permitted Foreign Holder:  As defined in Section 3.03(f).

 

Nonrecoverable Advance:  Any portion of an Advance or Servicing Advance previously made or proposed to be made by the Master Servicer and/or a Servicer (as certified in an Officer’s Certificate of the Master Servicer and/or Servicer, as applicable), which in the good faith judgment of such party, shall not be ultimately recoverable by such party from the related Mortgagor, related Liquidation Proceeds or otherwise.

 

Non-Upper-Tier REMIC:  As defined in Section 10.01(d).

 

Non-U.S. Person:  Any person other than a “United States person” within the meaning of Section 7701(a)(30) of the Code.

 

Notional Amount:  With respect to an Interest-Only Certificate and any Distribution Date, such Certificate’s Percentage Interest of the Class Notional Amount of such Class of Certificates for such Distribution Date.

 

NRSRO:  Any nationally recognized statistical rating organization for purposes of Rule 17g-5 under the Exchange Act.

 

NRSRO Certification:  A certification in the form of Exhibit O hereto.

  

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Officer’s Certificate:  (a) With respect to the Depositor, a certificate signed by two Authorized Officers of the Depositor, (b) with respect to the Master Servicer or the Securities Administrator, a certificate signed by the Chairman of the Board, any Vice Chairman, the President, any Vice President or any Assistant Vice President of the Master Servicer or the Securities Administrator, (c) with respect to a Servicer, a certificate signed by the Chairman of the Board, the Vice Chairman of the Board, the President, a Managing Director, a Vice President (however denominated), an Assistant Vice President, the Treasurer, the Secretary, one of the Assistant Treasurers or Assistant Secretaries of a Servicer, or any other duly authorized officers or agents of a Servicer, and in each case delivered to the Trustee, the Securities Administrator or the Master Servicer, as required hereby.

 

Opinion of Counsel:  A written opinion of counsel, reasonably acceptable in form and substance to the Trustee, the Securities Administrator or the Master Servicer, as required hereby, and who may be in-house or outside counsel to the Depositor, the Master Servicer, the Securities Administrator or the Trustee but which must be Independent outside counsel with respect to any such opinion of counsel concerning the transfer of any Residual Certificate or concerning certain matters with respect to ERISA or the taxation, or the federal income tax status, of each REMIC.

Original Applicable Credit Support Percentage:  With respect to each Class of Subordinate Certificates, the related Applicable Credit Support Percentage as of the Closing Date, which shall be equal to the corresponding approximate percentage set forth in the table below opposite its Class designation:

	
Class B-1

	
7.40%

	
Class B-2

	
4.65%

	
Class B-3

	
3.35%

	
Class B-4

	
1.90%

	
Class B-5

	
1.10%

 

Original Subordinate Class Principal Amount:  The aggregate of the Class Principal Amounts of the Classes of Subordinate Certificates as of the Closing Date.

 

Originator:  Each of First Republic Bank, PHH Mortgage Corporation, Wells Fargo Bank, N.A., SunTrust Mortgage, Inc., PrimeLending, a PlainsCapital Company, and Sterling Savings Bank, each as seller under the related Purchase Agreement, and any successor thereto.

Paying Agent:  Any paying agent appointed pursuant to Section 3.08.  The initial Paying Agent shall be the Securities Administrator under this Agreement.

 

Percentage Interest:  With respect to any Certificate, its percentage interest in the undivided beneficial ownership interest in the Trust Fund evidenced by all Certificates of the same Class as such Certificate.  With respect to any Certificate, other than an Interest-Only Certificate, if applicable, or the Class R Certificates and the Class LT-R Certificates, the Percentage Interest evidenced thereby shall equal the initial Certificate Principal Amount thereof divided by the initial Class Principal Amount of all Certificates of the same Class.  With respect to each of the Class R Certificates and the Class LT-R Certificates, the Percentage Interest evidenced thereby shall be as specified on the face thereof, or otherwise, be equal to 100%.  With respect to an Interest-Only Certificate, the Percentage Interest evidenced thereby shall equal its initial Notional Amount as set forth on the face thereof divided by the initial Class Notional Amount of such Class.

 

Person:  Any individual, corporation, partnership, joint venture, association, joint-stock company, limited liability company, trust, unincorporated organization or government or any agency or political subdivision thereof.

  

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Plan:  An employee benefit plan or other retirement arrangement which is subject to Section 406 of ERISA and/or Section 4975 of the Code or any entity whose underlying assets include “plan assets” of such plan or arrangement under the Plan Asset Regulations by reason of their investment in the entity.

 

Plan Asset Regulations:  The U.S. Department of Labor regulations set forth in 29 C.F.R. Section 2510.3-101, as modified by Section 3(42) of ERISA.

 

Prepayment Interest Shortfall:  With respect to a Mortgage Loan and any Distribution Date, the amount by which interest paid by the related Mortgagor in connection with a Principal Prepayment on the Mortgage Loan is less than one month’s interest at the related Mortgage Rate on the Stated Principal Balance of that Mortgage Loan as of the preceding Distribution Date.

 

Prepayment Period:  With respect to each Distribution Date, the calendar month immediately preceding the month in which the Distribution Date occurs.

 

Primary Mortgage Insurance Policy:  Each policy of primary mortgage guaranty insurance or any replacement policy therefor with respect to any Mortgage Loan.

 

Principal Distribution Amount:  With respect to any Distribution Date, the sum of (a) the principal portion of each Scheduled Payment (before taking into account any Deficient Valuations or Debt Service Reductions) due on the related Due Date, whether or not received, (b) the principal portion of each Principal Prepayment made by a Mortgagor during the related Prepayment Period; (c) the principal portion of each other unscheduled collection, including any Subsequent Recoveries, Insurance Proceeds and Net Liquidation Proceeds (other than with respect to any Mortgage Loan that became a Liquidated Mortgage Loan during the related Prepayment Period) received during the related Prepayment Period; (d) that portion of the Repurchase Price representing principal of any Mortgage Loans repurchased by an Originator or the Seller in accordance with a Purchase Agreement, by the Seller in accordance with Section 2.04 herein or by the Controlling Holder in accordance with Section 2.07 herein, in each case to the extent received during the related Prepayment Period; (e) the principal portion of any related Substitution Amount received during the related Prepayment Period; and (f) on the Distribution Date on which the Trust Fund is to be terminated pursuant to Article VII hereof, that portion of the Clean-up Call Price in respect of principal.

 

Principal Forbearance Amount:  With respect to a Mortgage Loan that was the subject of a Servicing Modification, the amount of principal of the Mortgage Loan, if any, that has been deferred and that does not accrue interest.

Principal Prepayment:  Any full or partial payment or other recovery of principal on a Mortgage Loan that is received in advance of its scheduled Due Date and that is not accompanied by an amount of interest representing scheduled interest due on any date or dates in any month or months subsequent to the month of prepayment.

 

Proceeding:  Any suit in equity, action at law or other judicial or administrative proceeding.

 

Proprietary Lease:  With respect to any Cooperative Property, a lease or occupancy agreement between a Cooperative Corporation and a holder of related Cooperative Shares.

 

Prospectus:  The prospectus supplement dated September  23, 2011 and the accompanying prospectus dated February 16, 2011, relating to the Class A-1, Class B-1, Class B-2 and Class B-3 Certificates, together with any supplement thereto.

 

Purchase Agreement: Each agreement listed on Exhibit H-1, as amended or supplemented from time to time as permitted thereunder and as modified by the related Acknowledgment.

  

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Qualified Appraiser:  With respect to each Mortgage Loan, an appraiser, duly appointed by the originator, who had no interest, direct or indirect in the Mortgaged Property or in any loan made on the security thereof, and whose compensation is not affected by the approval or disapproval of the Mortgage Loan, and such appraiser and the appraisal made by such appraiser both satisfy the requirements of Fannie Mae or Freddie Mac (including but not limited to the Appraiser Independence Requirements) and Title XI of FIRREA and the regulations promulgated thereunder, all as in effect on the date the Mortgage Loan was originated.

Qualified Substitute Mortgage Loan:  A mortgage loan substituted by the Originator or the Seller, as applicable, for a Deleted Mortgage Loan in accordance with the applicable Purchase Agreement or the Mortgage Loan Purchase and Sale Agreement, as applicable, which must, on the date of such substitution, (a) have an outstanding principal balance, after deduction of all scheduled payments due in the month of substitution (or in the case of a substitution of more than one mortgage loan for a Deleted Mortgage Loan, an aggregate principal balance), not in excess of the Stated Principal Balance of the Deleted Mortgage Loan (the amount of any shortfall will be paid by the Originator or the Seller, as applicable, and distributed to Trust Fund in the month of substitution), (b) have a Mortgage Rate not less than, and not more than one percentage point greater than, the Mortgage Rate of the Deleted Mortgage Loan, (c) have a remaining term to maturity not greater than (and not more than one year less than) that of the Deleted Mortgage Loan, (d) have a Loan-to-Value Ratio at origination no greater than that of the Deleted Mortgage Loan and (e) comply as of the date of substitution with each representation and warranty relating to the Mortgage Loans set forth in the applicable Purchase Agreement.

Rating Agency:  Fitch.

Rating Agency Information:  The notices, information, reports, certifications and oral and written statements required to be provided to the Rating Agency pursuant to this Agreement or Rule 17g-5 under the Exchange Act.

Realized Loss:  (a) With respect to each Liquidated Mortgage Loan, an amount (not less than zero or more than the Stated Principal Balance of the Mortgage Loan plus accrued interest) as of the date of such liquidation, equal to (i) the unpaid principal balance of the Liquidated Mortgage Loan as of the date of such liquidation, plus (ii) interest at the Net Mortgage Rate from the Due Date as to which interest was last paid by the borrower to Certificateholders up to the Due Date in the month in which Liquidation Proceeds are required to be distributed on the Stated Principal Balance of such Liquidated Mortgage Loan from time to time, minus (iii) the Net Liquidation Proceeds received during the month in which such liquidation occurred, to the extent not previously applied as recoveries of interest at the Net Mortgage Rate and to principal of the Liquidated Mortgage Loan;

(b) with respect to each Mortgage Loan that has become the subject of a Deficient Valuation, if the principal amount due under the related Mortgage Note has been reduced, the difference between the principal balance of the Mortgage Loan outstanding immediately prior to such Deficient Valuation and the principal balance of the Mortgage Loan as reduced by the Deficient Valuation;

(c) with respect to each Mortgage Loan that has been the subject of a Servicing Modification, any principal due on the Mortgage Loan that has been written off by a Servicer and any Principal Forbearance Amount; and

(d)  with respect to each Class of Certificates, the amount by which the Class Principal Amount is reduced as a result of clauses (a), (b) or (c) above.

 

Reconciled Market Value:  The estimated market value of a Mortgaged Property or REO Property as reasonably determined by the applicable Servicer based on different results obtained from different permitted valuation methods or at different time periods, all in accordance with such Servicer's customary servicing procedures.

  

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Record Date:  As to any Distribution Date, the last Business Day of the month preceding the month of such Distribution Date (or the Closing Date, in the case of the first Distribution Date).

 

Refinancing Mortgage Loan:  Any Mortgage Loan originated in connection with the refinancing of an existing mortgage loan.

 

Regulation AB:  Subpart 229.1100 – Asset Backed Securities (Regulation AB), 17 C.F.R. §§229.1100-229.1123, as such may be amended from time to time, and subject to such clarifications and interpretations as have been provided by the Commission in the adopting release (Asset-Backed Securities, Securities Act Release No. 33-8518, 70 Fed. Reg. 1,506, 1,531 (Jan. 7, 2005)) or by the staff of the Commission, or as may be provided by the Commission or its staff from time to time.

 

Relevant Servicing Criteria:  The Servicing Criteria applicable to each party, as set forth on an exhibit to each Servicing Agreement and Exhibit K hereto.  Multiple parties can have responsibility for the same Relevant Servicing Criteria.  With respect to a Servicing Function Participant engaged by the Master Servicer, the Securities Administrator  or any Servicer, the term “Relevant Servicing Criteria” may refer to a portion of the Relevant Servicing Criteria applicable to such parties.

 

Relief Act Shortfalls:  With respect to any Distribution Date and any Mortgage Loan as to which there has been a reduction in the amount of interest collectible thereon for the most recently ended calendar month as a result of the application of the Civil Relief Act, the amount, if any, by which (i) interest collectible on such Mortgage Loan for the most recently ended calendar month is less than (ii) interest accrued thereon for such month pursuant to the Mortgage Note.

 

REMIC:  Each pool of assets in the Trust Fund designated as a REMIC as described in the Preliminary Statement to this Agreement.

 

REMIC Provisions:  The provisions of the federal income tax law relating to real estate mortgage investment conduits, which appear at sections 860A through 860G of the Code, and related provisions, and regulations, including proposed regulations and rulings, and administrative pronouncements promulgated thereunder, as the foregoing may be in effect from time to time.

 

REO Property:  A Mortgaged Property acquired by the Trust Fund through foreclosure or deed-in-lieu of foreclosure in connection with a defaulted Mortgage Loan or otherwise treated as having been acquired pursuant to the REMIC Provisions.

 

Reportable Event:  As defined in Section 6.21(c)(i).

 

Reporting Servicer:  As defined in Section 6.21(b)(i).

 

Repurchase Price: With respect to any Mortgage Loan and the applicable Originator, the “Repurchase Price” as defined in the applicable Purchase Agreement or Servicing Agreement or in the case of the Seller, the “Repurchase Price” as defined in the Mortgage Loan Purchase and Sale Agreement.

 

Residual Certificate:  The Class LT-R Certificates and the Class R Certificates.

 

Responsible Officer:  With respect to any party, any officer in the corporate trust, servicing or master servicing department or similar group of such party with direct responsibility for the administration of this Agreement and also, with respect to a particular matter related to this transaction, any other officer to whom such matter is referred because of his or her knowledge of and familiarity with the particular subject.

 

Restricted Certificate:   Any Class A-IO, Class B-4, Class B-5, Class R or Class LT-R Certificate.

 

Rule 15Ga-1 Information:  As defined in Section 4.04(a).

  

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Rule 17g-5 Information Provider:  The Securities Administrator.

Rule 17g-5 Website:  The website maintained by the Securities Administrator pursuant to Section 4.03.

S&P:  Standard & Poor’s Ratings Services, a Standard & Poor’s Financial Services LLC business, or any successor in interest.

Scheduled Payment:  The scheduled monthly payment on a Mortgage Loan due on any Due Date allocable to principal and/or interest on such Mortgage Loan which, unless otherwise specified in the Servicing Agreements, shall give effect to any related Debt Service Reduction, any Deficient Valuation and any Servicing Modification that affects the amount of the monthly payment due on such Mortgage Loan.

 

Securities Act:  The Securities Act of 1933, as amended, and the rules and regulations thereunder.

 

Securities Administrator:  Wells Fargo Bank, N.A., not in its individual capacity but solely as Securities Administrator, or any successor in interest, or if any successor Securities Administrator shall be appointed as herein provided, then such successor Securities Administrator.  Wells Fargo Bank, N.A. shall act as Securities Administrator for so long as it is Master Servicer under this Agreement.

Seller:  Redwood Residential Acquisition Corporation, a Delaware corporation.

 

Senior Certificate:  Any one of the Class A-1 and Class A-IO Certificates, as applicable.

 

Senior Percentage:  With respect to each Distribution Date, the percentage equivalent of a fraction, the numerator of which is the Class Principal Amount of the Class A-1 Certificates prior any distributions of principal or allocations of Realized Losses on such Distribution Date, and the denominator of which is the Aggregate Stated Principal Balance of all of the Mortgage Loans as of the preceding Distribution Date.

 

Senior Prepayment Percentage:  With respect to any Distribution Date occurring before the Distribution Date in October 2016, 100%.  Except as provided herein, the Senior Prepayment Percentage for any Distribution Date occurring in or after October 2016 shall be as follows:

(i) in or after October 2016 to and including September 2017, the Senior Percentage plus 70% of the Subordinate Percentage for that Distribution Date;

(ii) in or after October 2017 to and including September 2018, the Senior Percentage plus 60% of the Subordinate Percentage for that Distribution Date;

(iii) in or after October 2018 to and including September 2019, the Senior Percentage plus 40% of the Subordinate Percentage for that Distribution Date;

(iv) in or after October 2019 to and including September 2020, the Senior Percentage plus 20% of the Subordinate Percentage for that Distribution Date; and

(v) in or after October 2020, the Senior Percentage for that Distribution Date;

provided, however, that there shall be no reduction in the Senior Prepayment Percentage unless the Step-Down Test is satisfied; and provided, further, that if on any such Distribution Date on or after the Distribution Date in October 2016, the Senior Percentage exceeds the initial Senior Percentage, the Senior Prepayment Percentage for that Distribution Date shall again equal 100%.

  

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If on any Distribution Date the allocation to the Senior Certificates then entitled to distributions of principal of Principal Prepayments and other amounts in the percentage required above would reduce the aggregate of the Class Principal Amounts of those Certificates to below zero, the Senior Prepayment Percentage of those amounts for such Distribution Date shall be limited to the percentage necessary to reduce that Class Principal Amount to zero.

 

Senior Principal Distribution Amount:  With respect to the Mortgage Loans and any Distribution Date, the sum of:

 

(1)          the Senior Percentage of all amounts described in clause (a) of the definition of “Principal Distribution Amount” for that Distribution Date;

 

(2)          the Senior Prepayment Percentage of the amounts described in clauses (b), (c), (d), (e) and (f) of the definition of “Principal Distribution Amount”;

 

(3)          with respect to each Mortgage Loan that became a Liquidated Mortgage Loan during the related Prepayment Period, the lesser of:

(x)           Net Liquidation Proceeds allocable to principal received with respect to that Mortgage Loan; and

(y)           the Senior Prepayment Percentage of the Stated Principal Balance of that Mortgage Loan; and

 

(4)          any amounts described in clauses (1) through (3) that remain unpaid with respect to the Senior Certificates from prior Distribution Dates;

provided, however, that

	
  

	
(A)

	
if on any Distribution Date the allocation to the Class A-1 Certificates then entitled to distributions of principal of Principal Prepayments and other amounts in the percentage required above would reduce the Class Principal Amount of those Certificates to below zero, the distribution to the Class of Certificates of the Senior Prepayment Percentage of those amounts  for such Distribution Date shall be limited to the percentage necessary to reduce that Class Principal Amount to zero;

	
  

	
(B)

	
if on any Distribution Date the aggregate of the Class Principal Amounts of the Subordinate Certificates has been reduced to less than or equal to 0.85% of the Stated Principal Balance of the Mortgage Loans as of the Closing Date, the Senior Principal Distribution Amount for each succeeding Distribution Date will include all principal collections on the Mortgage Loans distributable on that Distribution Date, and the Subordinate Principal Distribution Amount will  be zero, until the aggregate of the Class Principal Amount of the Class A-1 Certificates is reduced to zero; and

	
  

	
(C)

	
until the Class Principal Amount of the Class A-1 Certificates is reduced to zero, if on any Distribution Date, the Subordinate Percentage for such Distribution Date is less than 7.40%, the Senior Principal Distribution Amount for such Distribution Date will include all principal collections on the Mortgage Loans distributable on that Distribution Date, and the Subordinate Principal Distribution Amount will be zero.

 

Servicer:  Each Servicer under a Servicing Agreement.

  

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Servicer Compensating Interest Payment:  As to any Distribution Date and either Servicer, the lesser of (1) the Servicing Fee for such Servicer for such date and (2) any Prepayment Interest Shortfalls with respect to any Mortgage Loans serviced by such Servicer for such date.

Servicer Remittance Date:  The 18th day of each calendar month or, if such 18th day is not a Business Day, the next succeeding Business Day, commencing in October 2011.

Servicing Advances:  As defined in the applicable Servicing Agreement.

 

Servicing Agreement:  Each agreement listed on Exhibit H-2, as amended or supplemented from time to time as permitted thereunder and as modified by the related Acknowledgment.

Servicing Criteria:  The criteria set forth in paragraph (d) of Item 1122 of Regulation AB, as such may be amended from time to time.

 

Servicing Fee:  As to any Distribution Date and each Mortgage Loan, an amount equal to the product of (a) one-twelfth of the Servicing Fee Rate and (b) the Stated Principal Balance of such Mortgage Loan as of the first day of the related Due Period.

 

Servicing Fee Rate:   A per annum rate equal to 0.25%, or such other rate as may be agreed to by the Master Servicer pursuant to Section 9.01(b) of this Agreement and the related Servicing Agreement.

 

Servicing Function Participant:  Any Subservicer or Subcontractor, other than each Servicer, the Master Servicer, the Securities Administrator or the Trustee, that is participating in the servicing function within the meaning of Regulation AB, unless such Person’s activities relate only to 5% or less of the Mortgage Loans.

 

Servicing Modification:  Any reduction of the Mortgage 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 Stated 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 of such Mortgage Loan, default is reasonably foreseeable in accordance with the related Servicing Agreement.

Servicing Officer:  Any officer of a Servicer involved in, or responsible for, the administration and servicing of the Mortgage Loans whose name and facsimile signature appear on a list of servicing officers furnished to the Master Servicer by the Servicers on the Closing Date pursuant to the Servicing Agreements, as such list may from time to time be amended.

Sponsor:  RWT Holdings, Inc., a Delaware corporation.

Startup Day:  The day designated as such pursuant to Section 10.01(b) hereof.

 

Stated Principal Balance:  As to any Mortgage Loan and date of determination, the unpaid principal balance of such Mortgage Loan as of the most recent Due Date as determined by the amortization schedule for the Mortgage Loan at the time relating thereto (before any adjustment to such amortization schedule by reason of any moratorium or similar waiver or grace period) after giving effect to any previous Servicing Modification, Principal Prepayments and related Liquidation Proceeds allocable to principal and to the payment of principal due on such Due Date (but not unscheduled Principal Prepayments received on such Due Date) and irrespective of any delinquency in payment by the related Mortgagor.

  

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Step-Down Test:  As to any Distribution Date, the test will be satisfied if both of the following conditions are met:

First, the aggregate outstanding principal balance of all Mortgage Loans 60 days or more Delinquent (including Mortgage Loans in foreclosure, REO or bankruptcy status), Mortgage Loans subject to a Servicing Modification within the twelve months prior to that Distribution Date and any Mortgage Loans 120 or more days Delinquent that were purchased by the Controlling Holder within the 12 months prior to that Distribution Date, averaged over the preceding six month period, as a percentage of the aggregate Class Principal Amount of the Subordinate Certificates on such Distribution Date (without giving effect to any payments on such Distribution Date), does not equal or exceed 50%; and

Second, cumulative Realized Losses with respect to the Mortgage Loans do not exceed (a) with respect to each Distribution Date occurring in the period from October 2016 to and including September 2017, 30% of the Original Subordinate Class Principal Amount, (b) with respect to each Distribution Date occurring in the period from October 2017 to and including September 2018, 35% of the Original Subordinate Class Principal Amount, (c) with respect to each Distribution Date occurring in the period from October 2018 to and including September 2019, 40% of the Original Subordinate Class Principal Amount, (d) with respect to each Distribution Date in the period from October 2019 to and including September 2020, 45% of the Original Subordinate Class Principal Amount and (e) with respect to the Distribution Date occurring in October 2020 and thereafter, 50% of the Original Subordinate Class Principal Amount.

  

Subcontractor:  Any vendor, subcontractor or other Person that is not responsible for the overall servicing of Mortgage Loans but performs one or more discrete functions identified in Item 1122(d) of Regulation AB with respect to Mortgage Loans under the direction or authority of any Servicer (or a Subservicer of any Servicer), the Master Servicer or the Securities Administrator.

 

Subordinate Certificate:  Any of the Class B-1, Class B-2, Class B-3, Class B-4 or Class B-5 Certificates.

 

Subordinate Class Percentage:  As to any Distribution Date and any Class of Subordinate Certificates, a fraction, expressed as a percentage, the numerator of which is the Class Principal Amount of such Class on such date, and the denominator of which is the aggregate of the Class Principal Amounts of all Classes of Subordinate Certificates on such date.

Subordinate Percentage:  With respect to any Distribution Date, the difference between 100% and the Senior Percentage for such Distribution Date.  The initial Subordinate Percentage is 7.40%.

  

Subordinate Prepayment Percentage:  With respect to any Distribution Date, the difference between 100% and the Senior Prepayment Percentage for that Distribution Date.

 

Subordinate Principal Distribution Amount:  With respect to any Distribution Date and the Mortgage Loans, an amount equal to the sum of:

 

(1)           the Subordinate Percentage of all amounts described in clause (a) of the definition of “Principal Distribution Amount” for that Distribution Date;

 

(2)           the Subordinate Prepayment Percentage of all amounts described in clauses (b), (c), (d), (e) and (f) of the definition of “Principal Distribution Amount” for that Distribution Date; and

 

(3)           with respect to each Mortgage Loan that became a Liquidated Mortgage Loan during the related Prepayment Period, the amount of the Net Liquidation Proceeds allocated to principal received with respect thereto remaining after application thereof pursuant to clause (3) of the definition of “Senior Principal Distribution Amount” for that Distribution Date; and

  

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(4)           any amounts described in clauses (1) through (3) for any previous Distribution Date that remain unpaid.

Notwithstanding the above, with respect to any Class of Subordinate Certificates (other than the Class B-1 Certificates), if on any Distribution Date the sum of the Class Subordination Percentage of such Class and the aggregate Class Subordinate Percentages of all Classes of Subordinate Certificates which have higher numerical Class designations than that Class is less than the  Original Applicable Credit Support Percentage for that Class, no distribution of principal will be made to any such Classes on that Distribution Date.  Instead, the Subordinate Principal Distribution Amount on that Distribution Date will be allocated among the more senior Classes of Subordinate Certificates, pro rata, based on their respective Class Principal Amounts.

Notwithstanding the above, with respect to each Class of Subordinate Certificates other than the Class B-1 Certificates, if on any Distribution Date the Class Principal Amount of that Class and the aggregate of the Class Principal Amount of all Classes of Subordinate Certificates that have a lower payment priority than that Class was reduced to less than or equal to 0.85% of the Stated Principal Balance of the Mortgage Loans as of the Closing Date, the portion of the Subordinate Principal Distribution Amount otherwise distributable to such Class or Classes on each succeeding Distribution Date will be allocated among the Subordinate Certificates with a higher payment priority, pro rata, based on their respective Class Principal Amounts and the excess, if any, will be included in the Senior Principal Distribution Amount for such Distribution Date.

In addition, until the Class Principal Amount of the Class A-1 Certificates is reduced to zero, if on any Distribution Date, the Subordinate Percentage for such Distribution Date is less than 7.40%, the Senior Principal Distribution Amount for such Distribution Date will include all principal collections on the Mortgage Loans distributable on that Distribution Date, and the Subordinate Principal Distribution Amount will be zero.

If on any Distribution Date the aggregate of the Class Principal Amounts of the Subordinate Certificates was reduced to less than or equal to 0.85% of the Stated Principal Balance of the Mortgage Loans as of the Closing Date, the Senior Principal Distribution Amount on each succeeding Distribution Date will include all principal collections on the Mortgage Loans on that Distribution Date, and the Subordinate Principal Distribution Amount will  be zero, until the aggregate of the Class Principal Amounts of the Senior Certificates is reduced to zero, then all principal collections on the Mortgage Loans distributable on that Distribution Date will be paid  to the Subordinate Certificates then outstanding, sequentially in order of payment priority, until the Class Principal Amount of each such Certificate is reduced to zero.

 

Subsequent Recovery:  Any amount recovered by a Servicer (i) with respect to a Liquidated Mortgage Loan (after reimbursement of any unreimbursed Advances or expenses relating to such Liquidated Mortgage Loan as well as any other previously Liquidated Mortgage Loans) with respect to which a Realized Loss was incurred after the liquidation or disposition of such Mortgage Loan or (ii) as a Principal Forbearance Amount.

 

Subservicer:  Any Person that (i) services Mortgage Loans on behalf of any Servicer, and (ii) is responsible for the performance (whether directly or through sub-servicers or Subcontractors) of Servicing functions that are identified in Item 1122(d) of Regulation AB required to be performed under this Agreement, any related Servicing Agreement or any sub-servicing agreement.

 

Substitution Amount:  For any month in which an Originator or the Seller substitutes one or more Qualified Substitute Mortgage Loans for one or more Deleted Mortgage Loans pursuant to a Purchase Agreement or the Mortgage Loan Purchase and Sale Agreement, as applicable, the amount by which the aggregate Repurchase Price of all such Deleted Mortgage Loans exceeds the aggregate Stated Principal Balance of the Qualified Substitute Mortgage Loans, together with one month's interest at the applicable Net Mortgage Rate.

  

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Tax Matters Person:  With respect to each of the Lower Tier REMIC and the Upper Tier REMIC, the “tax matters person” as specified in the REMIC Provisions which shall initially be the party described as such in Section 10.01(k).

 

Trust Fund:  As defined in Section 2.01 herein.

 

Trustee:  U.S. Bank National Association, not in its individual capacity but solely as Trustee, or any successor in interest, or if any successor trustee or any co-trustee shall be appointed as herein provided, then such successor trustee and such co-trustee, as the case may be.

 

Trustee Mortgage Files:  With respect to each Mortgage Loan, the Mortgage Documents to be retained in the custody and possession of the Trustee or the Custodian on behalf of the Trustee pursuant to the Custodial Agreement.

 

UCC:  The Uniform Commercial Code as enacted in any applicable jurisdiction from time to time.

  

Underwriter:  Each of Credit Suisse Securities (USA) LLC and Wells Fargo Securities, LLC.

 

Underwriter’s Exemption:  Prohibited Transaction Exemption (“PTE”) 89-90 (58 Fed. Reg. 52899 (1990)), as most recently amended and restated by PTE 2007-5 (72 Fed. Reg. 13130 (March 20, 2007)) or any substantially similar administrative exemption granted by the U.S. Department of Labor to the Underwriters.

 

Underwriting Agreement:  The Underwriting Agreement, dated September 16, 2011, among the Seller, the Depositor, Redwood Trust, Inc. and the Underwriters.

 

Upper-Tier REMIC:  As described in the Preliminary Statement to this Agreement.

 

Voting Interests:  The portion of the voting rights of all the Certificates that is allocated to any Certificate for purposes of the voting provisions of this Agreement.  At all times during the term of this Agreement, 99.00% of all Voting Interests shall be allocated to the Class A-1, Class B-1, Class B-2, Class B-3, Class B-4 and Class B-5 Certificates in proportion to their respective Certificate Principal Amounts.  At all times during the term of this Agreement, 1.00% of all Voting Interests shall be allocated to the Class A-IO Certificates.  Voting Interests shall be allocated among the Certificates of each Class based on their Percentage Interests and no Certificate with a principal amount equal to zero will have any voting rights.  The Class R Certificates and Class LT-R Certificate shall not have any voting rights.

 

Section 1.02                    Calculations Respecting Mortgage Loans.

 

Calculations required to be made pursuant to this Agreement with respect to any Mortgage Loan in the Trust Fund shall be made based upon current information as to the terms of the Mortgage Loans and reports of payments received from the Mortgagor on such Mortgage Loans and payments to be made to the Securities Administrator as supplied to the Securities Administrator by the Master Servicer.  The Securities Administrator shall not be required to recompute, verify or recalculate the information supplied to it by the Master Servicer or any Servicer.

  

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ARTICLE II

DECLARATION OF TRUST; ISSUANCE OF CERTIFICATES

 

Section 2.01                    Creation and Declaration of Trust Fund; Conveyance of Mortgage Loans.

 

Concurrently with the execution and delivery of this Agreement, the Depositor does hereby sell, transfer, assign, set over, deposit with and otherwise convey to the Trustee, without recourse, subject to Sections 2.02 and 2.04, in trust, all right, title and interest of the Depositor in and to the Trust Fund consisting of: (i) the Mortgage Loans, including the Mortgage Notes, the Mortgages, and the right to all payments of principal and interest received on or with respect to the Mortgage Loans after the Cut-off Date (other than Scheduled Payments due on or before such date), and all such payments due after such date but received on or prior to such date and intended by the related Mortgagors to be applied after such date; (ii) all of the Depositor’s right, title and interest, if any, in and to all amounts from time to time credited to and the proceeds of the Distribution Account, any Custodial Accounts or any Escrow Account established with respect to the Mortgage Loans; (iii) with respect to the Mortgage Loans, to the extent set forth in the Acknowledgements, the Depositor’s rights under the Purchase Agreements and the Servicing Agreements and all of the Depositor’s rights under the Mortgage Loan Purchase and Sale Agreement; (iv) all of the Depositor’s right, title and interest, if any, in REO Property and the proceeds thereof; (v) all of the Depositor’s rights under any Insurance Policies related to the Mortgage Loans; and (vi) the Depositor’s security interest in any collateral pledged to secure the Mortgage Loans, including the Mortgaged Properties (collectively, the “Trust Fund”); and the Trustee declares that, subject to the Custodian's review provided for in Section 2.02, it has received and shall hold the Trust Fund, as trustee, in trust, for the benefit and use of the Holders of the Certificates and for the purposes and subject to the terms and conditions set forth in this Agreement, and, concurrently with such receipt, has caused to be executed, authenticated and delivered to or upon the order of the Depositor, in exchange for the Trust Fund, all of the Certificates in the authorized denominations specified by the Depositor pursuant to Section 3.01(b).

 

The foregoing sale, transfer, assignment, set-over, deposit and conveyance does not and is not intended to result in the creation or assumption by the Trustee of any obligation of the Depositor, the Seller or any other Person in connection with the Mortgage Loans or any other agreement or instrument relating thereto except as specifically set forth therein.

Notwithstanding anything to the contrary contained herein, the parties hereto acknowledge that the functions of the Trustee with respect to the custody, acceptance and inspection of the Trustee Mortgage Files and release of Mortgage Documents, and preparation and delivery of the certifications relating to the Trustee Mortgage Files shall be performed by the Custodian pursuant to the terms and conditions of the Custodial Agreement.  In addition, the Trustee is hereby directed to execute, not in its individual capacity but solely as Trustee hereunder, and deliver the Acknowledgements and the Custodial Agreement.  The Master Servicer, the Depositor, the Securities Administrator and the Certificateholders (by their acceptance of such Certificates) acknowledge and agree that the Trustee is executing and delivering the Custodial Agreement and the Acknowledgements solely in its capacity as Trustee and not in its individual capacity.

In connection with such sale, transfer and assignment of the Mortgage Loans, the Depositor does hereby deliver to, and deposit with, or cause to be delivered to and deposited with, the Custodian acting on the Trustee's behalf, the Trustee Mortgage Files.

Section 2.02                    Acceptance of Trust Fund by Trustee; Review of Documentation for Trust Fund. 

 

(a)           The Trustee, by execution and delivery hereof and the below-referenced delivery to the Trustee of the Certification and Exception Report, acknowledges receipt by it (or by the Custodian on its behalf) of the Trustee Mortgage Files pertaining to the Mortgage Loans listed on the Mortgage Loan Schedule, subject to review thereof by the Custodian on behalf of the Trustee in accordance with Section 3.2 of the Custodial Agreement and the exceptions set forth on the Exception Report.  The Custodian, on behalf of the Trustee, will execute and deliver to the Trustee and the Depositor a Certification and Exception Report on the Closing Date in the forms required by the Custodial Agreement.

  

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(b)           Within 270 days after the Closing Date, the Custodian, on behalf of the Trustee, will, for the benefit of Holders of the Certificates, review each related Trustee Mortgage File to ascertain that all required documents set forth in the Custodial Agreement have been received and appear on their face to conform with the requirements set forth in Sections 3.2 and 3.3 of the Custodial Agreement.

 

(c)           Nothing in this Agreement shall be construed to constitute an assumption by the Trust Fund, the Trustee, the Custodian or the Certificateholders of any unsatisfied duty, claim or other liability on any Mortgage Loan or to any Mortgagor.

 

(d)           Each of the parties hereto acknowledges that the Custodian shall perform the applicable review of the related Mortgage Loans and respective certifications as provided in the Custodial Agreement.

 

(e)           Upon execution of this Agreement, the Depositor hereby delivers to the Trustee and the Trustee acknowledges receipt of the Acknowledgements, together with the Purchase Agreements, the Servicing Agreements and the Mortgage Loan Purchase and Sale Agreement.

 

Section 2.03                    Representations and Warranties of the Depositor.  

 

(a)           The Depositor hereby represents and warrants to the Trustee, for the benefit of the Certificateholders, and to the Master Servicer and the Securities Administrator, as of the Closing Date or such other date as is specified, that:

 

(i)           the Depositor is a corporation duly organized, validly existing and in good standing under the laws governing its creation and existence and has full corporate power and authority to own its property, to carry on its business as presently conducted, to enter into and perform its obligations under this Agreement, and to create the trust pursuant hereto;

 

(ii)           the execution and delivery by the Depositor of this Agreement have been duly authorized by all necessary corporate action on the part of the Depositor; neither the execution and delivery of this Agreement, nor the consummation of the transactions herein contemplated, nor compliance with the provisions hereof, will conflict with or result in a breach of, or constitute a default under, any of the provisions of any law, governmental rule, regulation, judgment, decree or order binding on the Depositor or its properties or the certificate of incorporation or bylaws of the Depositor;

 

(iii)           the execution, delivery and performance by the Depositor of this Agreement and the consummation of the transactions contemplated hereby do not require the consent or approval of, the giving of notice to, the registration with, or the taking of any other action in respect of, any state, federal or other governmental authority or agency, except such as has been obtained, given, effected or taken prior to the date hereof;

 

(iv)           this Agreement has been duly executed and delivered by the Depositor and, assuming due authorization, execution and delivery by the Trustee, the Master Servicer and the Securities Administrator, constitutes a valid and binding obligation of the Depositor enforceable against it in accordance with its terms except as such enforceability may be subject to (A) applicable bankruptcy and insolvency laws and other similar laws affecting the enforcement of the rights of creditors generally and (B) general principles of equity regardless of whether such enforcement is considered in a proceeding in equity or at law;

 

(v)           there are no actions, suits or proceedings pending or, to the knowledge of the Depositor, threatened or likely to be asserted, against or affecting the Depositor, before or by any court, administrative agency, arbitrator or governmental body (A) with respect to any of the transactions contemplated by this Agreement or (B) with respect to any other matter which in the judgment of the Depositor will be determined adversely to the Depositor and will if determined adversely to the Depositor materially and adversely affect it or its business, assets, operations or condition, financial or otherwise, or adversely affect its ability to perform its obligations under this Agreement;

  

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(vi)           immediately prior to the transfer and assignment of the Mortgage Loans to the Trustee, the Depositor was the sole owner and holder of each Mortgage Loan, and the Depositor had good and marketable title thereto, and had full right to transfer and sell each Mortgage Loan to the Trustee free and clear, subject only to (1) liens of current real property taxes and assessments not yet due and payable and, if the related Mortgaged Property is a condominium unit, any lien for common charges permitted by statute, (2) covenants, conditions and restrictions, rights of way, easements and other matters of public record as of the date of recording of such Mortgage acceptable to mortgage lending institutions in the area in which the related Mortgaged Property is located and specifically referred to in the lender’s title insurance policy or attorney’s opinion of title and abstract of title delivered to the originator of such Mortgage Loan, and (3) such other matters to which like properties are commonly subject which do not, individually or in the aggregate, materially interfere with the benefits of the security intended to be provided by the Mortgage, of any encumbrance, equity, participation interest, lien, pledge, charge, claim or security interest, and had full right and authority, subject to no interest or participation of, or agreement with, any other party, to sell and assign each Mortgage Loan pursuant to this Agreement;

 

(vii)           This Agreement creates either a sale or a valid and continuing security interest (as defined in the UCC), in the Mortgage Loans in favor of the Trustee, which security interest is prior to all other liens, and is enforceable as such against creditors of and purchasers from the Depositor;

 

(viii)          The Mortgage Notes constitute “instruments” within the meaning of the applicable UCC;

 

(ix)           Other than the security interest granted to the Trustee pursuant to this Agreement, the Depositor has not pledged, assigned, sold, granted a security interest in, or otherwise conveyed any of the Mortgage Loans.  The Depositor has not authorized the filing of and is not aware of any financing statement against the Depositor that includes a description of the collateral covering the Mortgage Loans other than a financing statement relating to the security interest granted to the Trustee hereunder or that has been terminated.  The Depositor is not aware of any judgment or tax lien filings against the Depositor;

 

(x)           None of the Mortgage Loans have any marks or notations indicating that such Mortgage Loans have been pledged, assigned or otherwise conveyed to any Person other than the Trustee; and

 

(xi)           The Depositor has received all consents and approvals required by the terms of the Mortgage Loans to convey the Mortgage Loans hereunder to the Trustee.

 

The foregoing representations made in this Section 2.03 shall survive the termination of this Agreement and shall not be waived by any party hereto.

 

Section 2.04                    Discovery of Seller Breach; Repurchase of Mortgage Loans.

 

(a)           Pursuant to Section 2 of the Mortgage Loan Purchase and Sale Agreement, the Seller has (i)  represented and warranted as of the Closing Date that, immediately prior to its transfer of Mortgage Loans under the Mortgage Loan Purchase and Sale Agreement, the Seller owned and had good, valid and marketable title to the Mortgage Loans free and clear of any Lien, claim or encumbrance of any Person and (ii) made certain other representations and warranties with respect to the Mortgage Loans, and each of the Depositor and the Trustee intend that the Mortgage Loans (including any Qualified Substitute Mortgage Loans) included in the Trust Fund satisfy such representations and warranties.  The Depositor, for the benefit of the Trustee and the Certificateholders, hereby assigns any rights it has against the Seller with respect to such representations and warranties to the Trustee, and the Seller acknowledges that it has agreed to comply with the provisions of this Section 2.04 in respect of a breach of any of such representations and warranties.

  

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It is understood and agreed that the representations and warranties set forth in Section 2 of the Mortgage Loan Purchase and Sale Agreement shall survive delivery of the Trustee Mortgage Files and the sale and assignment of each Mortgage Loan to the Trustee and shall continue throughout the term of this Agreement.  Upon discovery by the Depositor or the Seller of the breach by the Seller of any representation or warranty under the Mortgage Loan Purchase and Sale Agreement in respect of any Mortgage Loan, which materially adversely affects the value of that Mortgage Loan or the interest therein of the Certificateholders (a “Defective Mortgage Loan”) (each of such parties hereby agreeing to give written notice thereof to the Trustee and the other of such parties), the Trustee, or its designee, shall promptly notify the Depositor in writing of such breach and request that the Depositor cure or cause the cure of such breach within 90 days from the earlier of the date that the Depositor discovered or was notified of such breach, and if the Depositor does not cure or cause the cure of such breach in all material respects during such period, the Trustee shall enforce the Seller’s obligation under the Mortgage Loan Purchase and Sale Agreement to repurchase at the Repurchase Price or substitute that Mortgage Loan from the Trust Fund on or prior to the Determination Date following the expiration of such 90-day period; provided, however, that, in connection with any such breach that could not reasonably have been cured within such 90-day period, the Seller shall be required to repurchase or substitute the Mortgage Loan no later than 120 days after its discovery or notice of such breach, and provided further, that, if such breach would cause the Mortgage Loan to be other than a “qualified mortgage” (as defined in the Code), then notwithstanding the previous provisions of this paragraph, the Seller shall be required to repurchase or substitute  the Defective Mortgage Loan within 60 days from the date the defect was discovered.  The Repurchase Price for the repurchased Mortgage Loan shall be deposited in the Distribution Account, and the Trustee, or its designee, upon receipt of written certification of such deposit, shall release to the Seller, the related Trustee Mortgage File and shall execute and deliver such instruments of transfer or assignment, in each case without recourse, representation or warranties, as either party shall furnish to the Trustee and as shall be necessary to vest in such party any Mortgage Loan released pursuant hereto and the Trustee, or its designee, shall have no further responsibility with regard to such Trustee Mortgage File (it being understood that the Trustee shall have no responsibility for determining the sufficiency of such assignment for its intended purpose).  It is understood and agreed that the obligation of the Seller to cure, to cause the cure of or to repurchase or substitute any Mortgage Loan as to which such a breach has occurred and is continuing shall constitute the sole remedy against the such party respecting such omission, defect or breach available to the Trustee on behalf of the Certificateholders. Costs and expenses incurred by the Trustee pursuant to this Section 2.04, to the extent not reimbursed by the Seller, shall be reimbursed by the Trust Fund, subject to the limitation in clause (C) of the definition of Available Distribution Amount.  The Trustee hereby directs the Master Servicer, and the Master Servicer hereby accepts such direction, to pursue any such claim in accordance with this Section 2.04(a) on behalf of the Trustee.

 

(b)          The Seller indemnifies and holds the Trust Fund, the Trustee, the Master Servicer, the Securities Administrator, the Depositor and each Certificateholder harmless against any and all taxes, claims, losses, penalties, fines, forfeitures, reasonable legal fees and related costs, judgments, and any other costs, fees and expenses that the Trust Fund, the Trustee, the Master Servicer, the Securities Administrator, the Depositor and any Certificateholder may sustain in connection with any actions of the Seller relating to a repurchase of a Mortgage Loan other than in compliance with the terms of this Section 2.04 and the Mortgage Loan Purchase and Sale Agreement, to the extent that any such action causes an Adverse REMIC Event.

  

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Section 2.05                    Obligations in Respect of Alleged Breach of Originator Representations and Warranties.

(a)           For so long as there is a Controlling Holder under this Agreement, the Trustee may pursue an action against an Originator, or may direct the Master Servicer to pursue an action against an Originator (other than an action against Wells Fargo Bank, N.A., as Originator) in respect of any alleged breach of a representation and warranty set forth in the applicable Purchase Agreement only upon its receipt of (i) written direction to do so by the Holders of 66 2/3% of the aggregate Voting Interests of the Class A-1 and Class A-IO Certificates and (ii) an agreement by Holders directing the Trustee to take such action to provide in advance to the Trustee funds to pay for any costs and expenses incurred by the Trustee or the Master Servicer, and to provide any indemnification reasonably requested by the Trustee and the Master Servicer.  The Trustee shall provide notice to the Controlling Holder prior to taking any such action.  However, Certificateholders shall not have the right to require the Trustee to pursue any action with respect to any Mortgage Loan as to which a final and binding decision by an arbitrator has already been issued, regardless of the particular claims made.  In connection with any such action, the Master Servicer shall seek reimbursement for the Master Servicer's costs and expenses from the applicable Originator under the terms of the related Purchase Agreement.  If the Master Servicer recovers any such costs and expenses from the Originator, the Master Servicer will pay such amounts to the Certificateholders that provided funds to the Trustee pursuant to the agreement described in clause (ii) above.  Costs and expenses incurred by the Trustee and the Master Servicer pursuant to this Section 2.05(a) shall not be reimbursed by the Trust Fund.  The Trustee hereby directs the Master Servicer, and the Master Servicer hereby accepts such direction, to pursue any such claim in accordance with this Section 2.05(a) on behalf of the Trustee.

(b)           If there is no Controlling Holder under this Agreement, the Master Servicer shall review or cause to be reviewed each Mortgage Loan that has been Delinquent for more than 120 days, other than any such Mortgage Loan that was the subject of a previous arbitration proceeding under the related Purchase Agreement, to review whether there is evidence of the occurrence of any breaches of the representations and warranties given by an Originator under the related Purchase Agreement or if the Seller has a related repurchase obligation in the case of such breach that existed only as of the Closing Date.  The Master Servicer may engage a third party to perform, or may itself perform, such review and report its findings to the Master Servicer; provided, however that with respect to any Mortgage Loan originated by Wells Fargo Bank, N.A., the Master Servicer will engage a third party to provide such review.  Any such review shall include, at a minimum, a review as to whether the Mortgage Loan was underwritten in accordance with the Originator's underwriting standards in effect at the time of origination, whether the Mortgage Loan was originated in accordance with all applicable laws and regulations, and whether any fraud may have occurred in connection with the origination of the Mortgage Loan.   If as a result of such review, there is evidence that a breach of representation or warranty may have occurred requiring the Originator or the Seller to repurchase the related Mortgage Loan, then the Master Servicer will enforce such repurchase obligation, including participating in an arbitration proceeding pursuant to the related Purchase Agreement, if necessary.  Any fees, costs and expenses incurred by the Master Servicer pursuant to this Section 2.05(b), to the extent not reimbursed by the Originator within ninety days of written request from the Master Servicer, shall be reimbursed by the Trust Fund, subject to the limitation in clause (C) of the definition of Available Distribution Amount.  In connection with any such action against an Originator, the Master Servicer shall pursue reimbursement for the fees, costs and expenses of the Master Servicer from such Originator under the terms of the related Purchase Agreement.  If the Master Servicer recovers any such fees, costs and expenses from the Originator, the Master Servicer will pay such amounts to the Trust Fund.

(c)           Furthermore, if there is no Controlling Holder under this Agreement, the Trustee may pursue an action against an Originator, or may direct the Master Servicer to pursue an action against an Originator (other than an action against Wells Fargo Bank, N.A., as originator), in respect of any alleged breach by an Originator of a representation and warranty set forth in the applicable Purchase Agreement, or against the Seller in the case of a circumstance where the Seller has an obligation to cure a breach, or repurchase or substitute for a Mortgage Loan, relating to the characteristics of the Mortgage Loans only upon its receipt of  (i) written direction to do so by the Holders of more than 50% of the Aggregate Voting Interests of the Certificates and (ii) an agreement by Holders directing the Trustee to take such action to provide in advance to the Trustee funds to pay for any costs and expenses incurred by the Trustee and the Master Servicer, and to provide any indemnification reasonably requested by the Trustee and the Master Servicer.  In connection with any such action, the Master Servicer shall seek reimbursement for the Master Servicer’s costs and expenses from such Originator under the terms of the applicable Purchase Agreement.  If the Master Servicer recovers any such costs and expenses from the Originator, the Master Servicer will pay such amounts to the Certificateholders that provided funds to the Trustee pursuant to the agreement described in clause (ii) above.  Costs and expenses incurred by the Trustee and the Master Servicer pursuant to this Section 2.05(c), to the extent not reimbursed by the Originator or the applicable Certificateholders, shall be reimbursed by the Trust Fund, subject to the limitation in clause (C) of the definition of Available Distribution Amount.  The Trustee hereby directs the Master Servicer, and the Master Servicer hereby accepts such direction, to pursue any such claim in accordance with this Section 2.05(c) on behalf of the Trustee.

  

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(d)           If an Originator has breached a representation under the related Purchase Agreement stating that a Mortgage Loan is a “qualified mortgage” (as defined in the REMIC Provisions) and the Originator fails to repurchase such non-qualified Mortgage Loan within ninety days from the date the defect was discovered, the Depositor shall use commercially reasonable efforts to sell such Mortgage Loan for its fair market value, as determined by the Depositor and which may be less than its outstanding principal balance, within ninety days from the date the defect was discovered.  The Trustee will release the applicable Mortgage Loan upon receipt of the sale price in accordance with the procedures set forth in Section 2.04(a) hereof.

Section 2.06                    Intention of Parties.

 

(a)           Notwithstanding any other provision of this Agreement, it is intended by each of the parties hereto that the conveyance of the Depositor’s right, title and interest in and to property constituting the Trust Fund pursuant to this Agreement shall constitute, and shall be construed as, a sale of such property and not a grant of a security interest to secure a loan or other obligation, so that the Trustee shall be the owner of the Trust Fund for the benefit of the holders of the Certificates.

 

However, in the event that, notwithstanding the intent of the parties, the Trust Fund is held to be the property of the Depositor, or if for any other reason this Agreement is held or deemed to create a security interest in the Trust Fund, then (a) this Agreement shall constitute a security agreement, and (b) the conveyance provided for in Section 2.01 shall be deemed to be a grant by the Depositor to the Trustee of, and the Depositor hereby grants to the Trustee, to secure all of the Depositor’s obligations hereunder, a security interest in all of the Depositor’s right, title, and interest, whether now owned or hereafter acquired, in and to (i) the Mortgage Loans, (ii) all other property in the Trust Fund, (iii) all accounts, chattel paper, deposit accounts, documents, general intangibles, goods, instruments, investment property, letter of credit rights, letters of credit, money, and oil, gas, and other minerals, consisting of, arising from, or relating to, any of the foregoing, and (iv) all proceeds of the foregoing.

 

(b)           The Depositor shall, to the extent consistent with this Agreement, take such reasonable actions as may be necessary to ensure that, if this Agreement were deemed to create a security interest in the Trust Fund, such security interest would be a perfected security interest of first priority under applicable law and will be maintained as such throughout the term of this Agreement.  The Depositor will, at its own expense, make all initial filings on or about the Closing Date and shall forward a copy of such filing or filings to the Trustee.  Without limiting the generality of the foregoing, the Depositor shall prepare and forward for filing, or shall cause to be forwarded for filing, at the expense of the Depositor, all filings necessary to maintain the effectiveness of any original filings necessary under the relevant UCC to perfect the Trustee’s security interest in the Trust Fund, including without limitation (i) continuation statements, and (ii) such other statements as may be occasioned by (A) any change of name of the Seller, the Depositor or the Trustee, (B) any change of location of the Seller or the Depositor, or (C) any change under the relevant UCC or other applicable laws.  Neither of the Seller nor the Depositor shall organize under the law of any jurisdiction other than the State under which each is organized as of the Closing Date (whether changing its jurisdiction of organization or organizing under the laws of an additional jurisdiction) without giving 30 days prior written notice of such action to its immediate and intermediate transferee, including the Trustee.  Before effecting such change, the Seller or the Depositor proposing to change its jurisdiction of organization shall prepare and file in the appropriate filing office any financing statements or other statements necessary to continue the perfection of the interests of its immediate and mediate transferees, including the Trustee, in the Mortgage Loans.  In connection with the transactions contemplated by this Agreement, each of the Seller and the Depositor authorizes its immediate or mediate transferee to file in any filing office any initial financing statements, any amendments to financing statements, any continuation statements, or any other statements or filings described in this paragraph (b).

  

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Section 2.07                    Controlling Holder Purchase Right and Assumption of Purchase Agreement and Servicing Agreement Rights.

 

(a)           The Controlling Holder may, at its option, purchase from the Trust Fund any Mortgage Loan that is 120 days or more Delinquent for a purchase price, determined in accordance with guidelines adopted by the Controlling Holder, to be the then fair market value of such Mortgage Loan at the time of purchase, provided that at the time of repurchase the Mortgage Loan remains Delinquent.  Upon receipt of such purchase price from the Controlling Holder, the Trustee shall release the applicable Mortgage Loan to the Controlling Holder in accordance with the procedures set forth in Section 2.04(a) hereof.   Pursuant to each Servicing Agreement, any purchase under this Section 2.07 shall be subject to the prior consent of the applicable Servicer, which consent shall be governed by the “Servicing Standard” section of the applicable  Acknowledgement.

(b)           By its purchase of the applicable Class of Subordinate Certificates, the Controlling Holder assumes the rights and all related responsibilities of the Trustee as “Purchaser” under each Purchase Agreement and Servicing Agreement as set forth in the “Controlling Holder Rights” section of each applicable Acknowledgement, and shall be entitled to exercise such rights in its sole discretion.  The Depositor, the Controlling Holder and each other Certificateholder, by its acceptance of any Certificate or any beneficial ownership interest therein, each acknowledges and agrees that (i) the Controlling Holder may exercise such rights in such a manner that may not be in the best interests of all of the Certificateholders, (ii) none of the Master Servicer, the Securities Administrator or the Trustee shall have any liability with respect to any acts or omissions of the Controlling Holder in the exercise of such rights, and (iii) none of the Master Servicer, the Securities Administrator or the Trustee shall have any duty or obligation to exercise any such rights in the place or stead of the Controlling Holder (so long as there is a Controlling Holder) or to monitor or oversee the exercise of any such rights by the Controlling Holder.  The Controlling Holder agrees that it shall exercise its rights in such a manner as will maximize returns to all Classes of Certificateholders taken as a whole.

(c)           Each of the Master Servicer, the Securities Administrator and the Trustee shall cooperate with the Controlling Holder as may be reasonably necessary for the Controlling Holder to exercise its rights hereunder and under the Purchase Agreements and the Servicing Agreements; provided, however, that, except as otherwise provided in Section 2.05, neither the Master Servicer nor the Trustee shall be required to take any legal action or participate in or facilitate any arbitration proceeding or other litigation relating to the Mortgage Loans or the obligations of the Originators or Servicers with respect thereto unless and until it is directed in writing by the Controlling Holder and it is assured of the recovery of its expenses from the Controlling Holder.

(d)           The Controlling Holder shall indemnify each of the Master Servicer, the Securities Administrator and the Trustee and hold it harmless from and against any claim, loss, liability, damage, cost or expense (including, without limitation, reasonable legal fees and expenses) incurred or expended by the Master Servicer, the Securities Administrator or the Trustee (without negligence or willful misconduct on the part of the Master Servicer, the Securities Administrator or the Trustee) with respect to claims of a third party arising from any act or omission of the Controlling Holder in the exercise of its rights as Controlling Holder hereunder and under the Purchase Agreements and the Servicing Agreements.

(e)           If  the Controlling Holder transfers its ownership interest in any Class of Certificates in a manner resulting in there being no Controlling Holder under this Agreement or a change in the Controlling Holder, it shall so notify the Master Servicer, the Securities Administrator and the Trustee.   If the Depositor has actual knowledge of a change in Controlling Holder or that there is no Controlling Holder under this Agreement, it shall so notify the Master Servicer, the Securities Administrator and the Trustee.

  

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ARTICLE III

THE CERTIFICATES

 

Section 3.01                    The Certificates. 

 

(a)           The Certificates shall be issuable in registered form only and shall be securities governed by Article 8 of the New York UCC.  The Certificates will be evidenced by one or more certificates, ownership of which will be held in the minimum denominations in Certificate Principal Amount or Notional Amount specified in the Preliminary Statement to this Agreement and in integral multiples of $1 in excess thereof, or in the Percentage Interests specified in the Preliminary Statement to this Agreement, as applicable.

 

(b)           The Certificates shall be executed by manual or facsimile signature on behalf of the Trustee by an authorized officer of the Trustee.  Each Certificate shall, on original issue, be authenticated by the Authenticating Agent upon the order of the Depositor upon the sale of the Mortgage Loans to the Trustee  as described in Section 2.01.  No Certificate shall be entitled to any benefit under this Agreement, or be valid for any purpose, unless there appears on such Certificate a certificate of authentication substantially in the form provided for herein, executed by an authorized officer of the Authenticating Agent, by manual signature, and such certification upon any Certificate shall be conclusive evidence, and the only evidence, that such Certificate has been duly authenticated and delivered hereunder.  All Certificates shall be dated the date of their authentication.  

(c)           The Class A-IO, Class B-4, Class B-5, Class R and Class LT-R Certificates are offered and sold in reliance on the exemption from registration under Rule 144A under the Securities Act and shall be issued with the applicable legends set forth in Exhibit A.  The Class B-4 and Class B-5 Certificates shall be issued initially as Definitive Certificates and the Class R and Class LT-R Certificates shall be issued only as Definitive Certificates.  

Section 3.02                    Registration. 

 

The Securities Administrator is hereby appointed, and the Securities Administrator hereby accepts its appointment as, initial Certificate Registrar in respect of the Certificates and shall maintain books for the registration and for the transfer of Certificates (the “Certificate Register”).  A registration book shall be maintained for the Certificates collectively.  The Certificate Registrar may at any time resign by giving at least 30 days' advance written notice of resignation to the Trustee, the Depositor and the Master Servicer.  The Trustee may at any time remove the Certificate Registrar by giving written notice of such removal to such Certificate Registrar, the Depositor and the Master Servicer.  Upon receiving a notice of resignation or upon such a removal, the Trustee may appoint a bank or trust company to act as successor certificate registrar, shall give written notice of such appointment to the Depositor and the Master Servicer and shall mail notice of such appointment to all Holders of Certificates.  Any successor certificate registrar upon acceptance of its appointment hereunder shall become vested with all the rights, powers, duties and responsibilities of its predecessor hereunder, with like effect as if originally named as Certificate Registrar. The Certificate Registrar may appoint, by a written instrument delivered to the Holders and the Master Servicer, any bank or trust company to act as co-registrar under such conditions as the Certificate Registrar may prescribe; provided, however, that the Certificate Registrar shall not be relieved of any of its duties or responsibilities hereunder by reason of such appointment.

  

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Section 3.03                    Transfer and Exchange of Certificates. 

 

(a)           A Certificate (other than Book-Entry Certificates which shall be subject to Section 3.09 hereof) may be transferred by the Holder thereof only upon presentation and surrender of such Certificate at the office of the Certificate Registrar duly endorsed or accompanied by an assignment duly executed by such Holder or his duly authorized attorney in such form as shall be satisfactory to the Certificate Registrar.  Upon the transfer of any Certificate in accordance with the preceding sentence, the Trustee shall execute, and the Authenticating Agent shall authenticate and deliver to the transferee, one or more new Certificates of the same Class and evidencing, in the aggregate, the same aggregate Certificate Principal Amount (or Notional Amount) as the Certificate being transferred.  No service charge shall be made to a Certificateholder for any registration of transfer of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or governmental charge that may be imposed in connection with any registration of transfer of Certificates.

 

(b)           A Certificate may be exchanged by the Holder thereof for any number of new Certificates of the same Class, in authorized denominations, representing in the aggregate the same Certificate Principal Amount (or Notional Amount) as the Certificate surrendered, upon surrender of the Certificate to be exchanged at the office of the Certificate Registrar duly endorsed or accompanied by a written instrument of transfer duly executed by such Holder or his duly authorized attorney in such form as is satisfactory to the Certificate Registrar.  Certificates delivered upon any such exchange will evidence the same obligations, and will be entitled to the same rights and privileges, as the Certificates surrendered.  No service charge shall be made to a Certificateholder for any exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or governmental charge that may be imposed in connection with any exchange of Certificates.  Whenever any Certificates are so surrendered for exchange, the Trustee shall execute, and the Authenticating Agent shall authenticate, date and deliver the Certificates which the Certificateholder making the exchange is entitled to receive.

 

(c)           By acceptance of a Restricted Certificate, whether upon original issuance or subsequent transfer, each Holder of such a Certificate acknowledges the restrictions on the transfer of such Certificate set forth thereon and agrees that it will transfer such a Certificate only as provided herein.  The Class A-IO Certificates may be purchased by and transferred only to QIBs (as defined in clause (i) below).

The following restrictions shall apply with respect to the transfer and registration of transfer of a Restricted Certificate to a transferee that takes delivery in the form of a Definitive Certificate:

 

(i)           The Certificate Registrar shall register the transfer of a Restricted Certificate if the requested transfer is (x) to the Depositor or an affiliate (as defined in Rule 405 under the Securities Act) of the Depositor or (y) being made to a “qualified institutional buyer” (a “QIB”) as defined in Rule 144A under the Securities Act by a transferor that has provided the Certificate Registrar with a certificate in the form of Exhibit E-1 hereto and has furnished to the Certificate Registrar a certificate of the transferee in the form of Exhibit E-2 hereto; and

 

(ii)           The Certificate Registrar shall register the transfer of a Restricted Certificate, other than a Class A-IO Certificate, if the requested transfer is being made to an “accredited investor” under Rule 501(a)(1), (2), (3) or (7) under the Securities Act, or to any Person all of the equity owners in which are such accredited investors, by a transferor who furnishes to the Certificate Registrar a letter of the transferee substantially in the form of Exhibit F hereto.

 

(d)    (i) No transfer of an ERISA-Restricted Certificate in the form of a Definitive Certificate shall be made to any Person or shall be effective unless the Certificate Registrar, on behalf of the Securities Administrator, has received (A) a certificate substantially in the form of Exhibit G hereto (or Exhibit B, in the case of a Residual Certificate) from such transferee or (B) an Opinion of Counsel satisfactory to the Certificate Registrar to the effect that the purchase and holding of such a Certificate will not constitute or result in prohibited transactions under Title I of ERISA or Section 4975 of the Code and will not subject the Certificate Registrar, the Trustee, the Master Servicer, the Depositor or the Securities Administrator to any obligation in addition to those undertaken in this Agreement; provided, however, that the Certificate Registrar will not require such certificate or opinion in the event that, as a result of a change of law or otherwise, counsel satisfactory to the Certificate Registrar has rendered an opinion to the effect that the purchase and holding of an ERISA-Restricted Certificate by a Plan or a Person that is purchasing or holding such a Certificate with the assets of a Plan will not constitute or result in a prohibited transaction under Title I of ERISA or Section 4975 of the Code.  Each Transferee of an ERISA-Restricted Certificate or a Certificate that is not an ERISA-Restricted Certificate but is not subject to an ERISA-Qualifying Underwriting that is a Book-Entry Certificate shall be deemed to have made the representations set forth in Exhibit G.  The preparation and delivery of the certificate and opinions referred to above shall not be an expense of the Trust Fund, the Certificate Registrar, the Trustee, the Master Servicer, the Depositor or the Securities Administrator.

  

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Notwithstanding the foregoing, no opinion or certificate shall be required for the initial issuance of the ERISA-Restricted Certificates.  The Certificate Registrar shall have no obligation to monitor transfers of Book-Entry Certificates that are ERISA-Restricted Certificates and shall have no liability for transfers of such Certificates in violation of the transfer restrictions.  The Certificate Registrar shall be under no liability to any Person for any registration of transfer of any ERISA-Restricted Certificate that is in fact not permitted by this Section 3.03(d) and none of the Securities Administrator, the Trustee or the Paying Agent shall have any liability for making any payments due on such Certificate to the Holder thereof or taking any other action with respect to such Holder under the provisions of this Agreement so long as the transfer was registered by the Certificate Registrar in accordance with the foregoing requirements.  The Securities Administrator, on behalf of the Trustee, shall be entitled, but not obligated, to recover from any Holder of any ERISA-Restricted Certificate that was in fact a Plan or a Person acting on behalf of, or an entity holding “plan assets” of, a Plan any payments made on such ERISA-Restricted Certificate at and after either such time.  Any such payments so recovered by the Securities Administrator shall be paid and delivered by the Securities Administrator to the last preceding Holder of such Certificate that is not such a Plan or Person acting on behalf of, or an entity holding “plan assets” of, a Plan.

 

(ii) If any ERISA-Restricted Certificate, or any interest therein, is acquired or held in violation of the provisions of the preceding two paragraphs, then upon receipt by the Certificate Registrar of written notice that the registration of transfer of such ERISA-Restricted Certificate was not permitted by this Section 3.03(d), the next preceding permitted beneficial owner will be treated as the beneficial owner of that ERISA-Restricted Certificate, retroactive to the date of transfer to the purported beneficial owner.  Any purported beneficial owner whose acquisition or holding of an ERISA-Restricted Certificate, or interest therein, was effected in violation of the provisions of the preceding paragraph shall indemnify to the extent permitted by law and hold harmless the Depositor and the Certificate Registrar from and against any and all liabilities, claims, costs or expenses incurred by such parties as a result of such acquisition or holding.

 

(e)           As a condition of the registration of transfer or exchange of any Certificate, the Certificate Registrar may require the certified taxpayer identification number of the owner of the Certificate and the payment of a sum sufficient to cover any tax or other governmental charge imposed in connection therewith; provided, however, that the Certificate Registrar shall have no obligation to require such payment or to determine whether or not any such tax or charge may be applicable.  No service charge shall be made to the Certificateholder for any registration, transfer or exchange of a Certificate.

 

(f)           Notwithstanding anything to the contrary contained herein, no Residual Certificate may be owned, pledged or transferred, directly or indirectly, by or to (i) a Disqualified Organization or (ii) an individual, corporation or partnership or other person unless such person is (A) not a Non-U.S. Person or (B) is a Non-U.S. Person that holds a Residual Certificate in connection with the conduct of a trade or business within the United States and has furnished the transferor and the Certificate Registrar with an effective Internal Revenue Service Form W-8ECI or successor form at the time and in the manner required by the Code (any such person who is not covered by clause (A) or (B) above is referred to herein as a “Non-permitted Foreign Holder”).

  

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Prior to and as a condition of the registration of any transfer, sale or other disposition of a Residual Certificate, the proposed transferee shall deliver to the Certificate Registrar, on behalf of the Trustee, an affidavit in substantially the form attached hereto as Exhibit B representing and warranting, among other things, that such transferee is neither a Disqualified Organization, an agent or nominee acting on behalf of a Disqualified Organization, nor a Non-permitted Foreign Holder (any such transferee, a “Permitted Transferee”), and the proposed transferor shall deliver to the Certificate Registrar an affidavit in substantially the form attached hereto as Exhibit C.  In addition, the Certificate Registrar may (but shall have no obligation to) require, prior to and as a condition of any such transfer, the delivery by the proposed transferee of an Opinion of Counsel, addressed to the Certificate Registrar and the Depositor, that such proposed transferee or, if the proposed transferee is an agent or nominee, the proposed beneficial owner, is not a Disqualified Organization, agent or nominee thereof, or a Non-permitted Foreign Holder.  Notwithstanding the registration in the Certificate Register of any transfer, sale, or other disposition of a Residual Certificate to a Disqualified Organization, an agent or nominee thereof, or Non-permitted Foreign Holder, such registration shall be deemed to be of no legal force or effect whatsoever and such Disqualified Organization, agent or nominee thereof, or Non-permitted Foreign Holder shall not be deemed to be a Certificateholder for any purpose hereunder, including, but not limited to, the receipt of distributions on such Residual Certificate.  The Depositor, the Certificate Registrar, the Trustee, the Securities Administrator and the Paying Agent shall be under no liability to any Person for any registration or transfer of a Residual Certificate to a Disqualified Organization, agent or nominee thereof or Non-permitted Foreign Holder or for the Paying Agent making any payments due on such Residual Certificate to the Holder thereof or for taking any other action with respect to such Holder under the provisions of this Agreement, so long as the transfer was effected in accordance with this Section 3.03(f), unless a Responsible Officer of the Certificate Registrar shall have actual knowledge at the time of such transfer or the time of such payment or other action that the transferee is a Disqualified Organization, or an agent or nominee thereof, or Non-permitted Foreign Holder.  The Certificate Registrar shall be entitled, but not obligated, to recover from any Holder of a Residual Certificate that was a Disqualified Organization, agent or nominee thereof, or Non-permitted Foreign Holder at the time it became a Holder or any subsequent time it became a Disqualified Organization, agent or nominee thereof, or Non-permitted Foreign Holder, all payments made on such Residual Certificate at and after either such times (and all costs and expenses, including but not limited to attorneys’ fees, incurred in connection therewith).  Any payment (not including any such costs and expenses) so recovered by the Certificate Registrar shall be paid and delivered to the last preceding Holder of such Residual Certificate.

 

If any purported transferee shall become a registered Holder of a Residual Certificate in violation of the provisions of this Section 3.03(f), then upon receipt by the Certificate Registrar of written notice that the registration of transfer of such Residual Certificate was not in fact permitted by this Section 3.03(f), the last preceding Permitted Transferee shall be restored to all rights as Holder thereof retroactive to the date of such registration of transfer of such Residual Certificate.  The Depositor, the Certificate Registrar, the Securities Administrator, the Trustee and the Paying Agent shall be under no liability to any Person for any registration of transfer of a Residual Certificate that is in fact not permitted by this Section 3.03(f), or for the Paying Agent making any payment due on such Certificate to the registered Holder thereof or for taking any other action with respect to such Holder under the provisions of this Agreement so long as the transfer was registered upon receipt of the affidavit described in the preceding paragraph of this Section 3.03(f).

The following legend shall appear on all Residual Certificates:

ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY IF THE PROPOSED TRANSFEREE PROVIDES A TRANSFER AFFIDAVIT TO THE DEPOSITOR AND THE CERTIFICATE REGISTRAR, ON BEHALF OF THE TRUSTEE THAT (1) SUCH TRANSFEREE IS NOT EITHER (A) THE UNITED STATES, ANY STATE OR POLITICAL SUBDIVISION THEREOF, ANY FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR ANY AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING, (B) ANY ORGANIZATION (OTHER THAN A COOPERATIVE DESCRIBED IN SECTION 521 OF THE CODE) WHICH IS EXEMPT FROM THE TAX IMPOSED BY CHAPTER 1 OF THE CODE UNLESS SUCH ORGANIZATION IS SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF THE CODE, (C) ANY ORGANIZATION DESCRIBED IN SECTION 1381(a)(2)(C) OF THE CODE, (D) AN ELECTING LARGE-PARTNERSHIP WITHIN THE MEANING OF SECTION 775 OF THE CODE (ANY SUCH PERSON DESCRIBED IN THE FOREGOING CLAUSES (A), (B), (C) OR (D) BEING HEREINAFTER REFERRED TO AS A “DISQUALIFIED ORGANIZATION”), OR (E) AN AGENT OF A DISQUALIFIED ORGANIZATION AND (2) NO PURPOSE OF SUCH TRANSFER IS TO ENABLE THE TRANSFEROR TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX.  SUCH AFFIDAVIT SHALL INCLUDE CERTAIN REPRESENTATIONS AS TO THE FINANCIAL CONDITION OF THE PROPOSED TRANSFEREE AND ITS STATUS AS A NON-US PERSON (IF APPLICABLE). NOTWITHSTANDING THE REGISTRATION IN THE CERTIFICATE REGISTER OF ANY TRANSFER, SALE OR OTHER DISPOSITION OF THIS CLASS [R] [LT-R] CERTIFICATE TO A DISQUALIFIED ORGANIZATION OR AN AGENT OF A DISQUALIFIED ORGANIZATION, SUCH REGISTRATION SHALL BE DEEMED TO BE OF NO LEGAL FORCE OR EFFECT WHATSOEVER AND SUCH PERSON SHALL NOT BE DEEMED TO BE A CERTIFICATEHOLDER FOR ANY PURPOSE HEREUNDER, INCLUDING, BUT NOT LIMITED TO, THE RECEIPT OF DISTRIBUTIONS ON THIS CERTIFICATE. EACH HOLDER OF THE CLASS [R] [LT-R] CERTIFICATE BY ACCEPTANCE OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF THIS PARAGRAPH.

  

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(g)           Each Holder or Certificate Owner of a Restricted Certificate, ERISA-Restricted Certificate or Residual Certificate, or an interest therein, by such Holder’s or Owner’s acceptance thereof, shall be deemed for all purposes to have consented to the provisions of this section.

(h)  Neither the Seller nor the Depositor shall be the Holder of any Subordinate Certificates.

 

Section 3.04                    Cancellation of Certificates. 

 

Any Certificate surrendered for registration of transfer or exchange shall be cancelled and retained in accordance with normal retention policies with respect to cancelled certificates maintained by the Trustee or the Certificate Registrar.

 

Section 3.05                    Replacement of Certificates. 

 

If (i) any Certificate is mutilated and is surrendered to the Certificate Registrar or (ii) the Certificate Registrar receives evidence to its satisfaction of the destruction, loss or theft of any Certificate, and there is delivered to the Certificate Registrar such security or indemnity as may be required by them to save each of them harmless, then, in the absence of written notice to the Certificate Registrar that such destroyed, lost or stolen Certificate has been acquired by a protected purchaser, the Trustee shall execute and the Authenticating Agent shall authenticate and deliver, in exchange for or in lieu of any such mutilated, destroyed, lost or stolen Certificate, a new Certificate of like tenor and Certificate Principal Amount.  Upon the issuance of any new Certificate under this Section 3.05, the Depositor or the Certificate Registrar may require the payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in relation thereto and any other expenses (including the fees and expenses of the Trustee, the Depositor, the Certificate Registrar or the Securities Administrator) connected therewith.  Any replacement Certificate issued pursuant to this Section 3.05 shall constitute complete and indefeasible evidence of ownership in the applicable Trust Fund, as if originally issued, whether or not the lost, stolen or destroyed Certificate shall be found at any time.

 

If after the delivery of such new Certificate, a protected purchaser of the original Certificate in lieu of which such new Certificate was issued presents for payment such original Certificate, the Depositor, the Securities Administrator, the Certificate Registrar, the Paying Agent and the Trustee or any agent shall be entitled to recover such new Certificate from the Person to whom it was delivered or any Person taking therefrom, except a protected purchaser, and shall be entitled to recover upon the security or indemnity provided therefor to the extent of any loss, damage, cost or expenses incurred by the Depositor, the Securities Administrator, the Certificate Registrar, the Paying Agent, the Trustee or any agent in connection therewith.

  

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Section 3.06                    Persons Deemed Owners. 

 

Subject to the provisions of Section 3.09 with respect to Book-Entry Certificates, the Depositor, the Securities Administrator, the Master Servicer, the Trustee, the Certificate Registrar, the Paying Agent and any agent of any of them shall treat the Person in whose name any Certificate is registered upon the books of the Certificate Registrar as the owner of such Certificate for the purpose of receiving distributions pursuant to Sections 5.01 and 5.02 and for all other purposes whatsoever, and none of the Depositor, the Securities Administrator, the Master Servicer, the Trustee, the Certificate Registrar, the Paying Agent or any agent of any of them shall be affected by notice to the contrary.

 

Section 3.07                    Temporary Certificates. 

 

(a)           Pending the preparation of definitive Certificates, upon the order of the Depositor, the Trustee shall execute and the Authenticating Agent shall authenticate and deliver temporary Certificates that are printed, lithographed, typewritten, mimeographed or otherwise produced, in any authorized denomination, substantially of the tenor of the definitive Certificates in lieu of which they are issued and with such variations as the authorized officers executing such Certificates may determine, as evidenced by their execution of such Certificates.

 

(b)           If temporary Certificates are issued, the Depositor will cause definitive Certificates to be prepared without unreasonable delay.  After the preparation of definitive Certificates, the temporary Certificates shall be exchangeable for definitive Certificates upon surrender of the temporary Certificates at the office or agency of the Certificate Registrar without charge to the Holder.  Upon surrender for cancellation of any one or more temporary Certificates, the Trustee shall execute and the Authenticating Agent shall authenticate and deliver in exchange therefor a like aggregate Certificate Principal Amount of definitive Certificates of the same Class in the authorized denominations.  Until so exchanged, the temporary Certificates shall in all respects be entitled to the same benefits under this Agreement as definitive Certificates of the same Class.

 

Section 3.08                    Appointment of Paying Agent. 

 

The Trustee may appoint a Paying Agent (which may be the Trustee) for the purpose of making distributions to the Certificateholders hereunder.  The Trustee hereby appoints the Securities Administrator as the initial Paying Agent.  The Trustee shall cause any Paying Agent, other than the Securities Administrator or itself, to execute and deliver to the Trustee an instrument in which such Paying Agent shall agree with the Trustee and the Securities Administrator, and the Securities Administrator as initial Paying Agent hereby agrees with the Trustee, that such Paying Agent will hold all sums held by it for the payment to the Certificateholders in an Eligible Account (which shall be the Distribution Account) in trust for the benefit of the Certificateholders entitled thereto until such sums shall be paid to the Certificateholders.  All funds remitted by the Securities Administrator to any such Paying Agent for the purpose of making distributions shall be paid to the Certificateholders on each Distribution Date and any amounts not so paid shall be returned on such Distribution Date to the Securities Administrator.  If the Paying Agent is not the Securities Administrator, the Securities Administrator shall cause to be remitted to the Paying Agent on or before the Business Day prior to each Distribution Date, by wire transfer in immediately available funds, the funds to be distributed on such Distribution Date.  Any Paying Agent shall be either a bank or trust company or otherwise authorized under law to exercise corporate trust powers.

 

Section 3.09                    Book-Entry Certificates. 

 

(a)           Each Class of Book-Entry Certificates, upon original issuance, shall be issued in the form of one or more typewritten Certificates representing the Book-Entry Certificates.  The Book-Entry Certificates shall initially be registered on the Certificate Register in the name of the nominee of the Clearing Agency, and no Certificate Owner will receive a definitive certificate representing such Certificate Owner’s interest in the Book-Entry Certificates, except as provided in Section 3.09(c).  Unless Definitive Certificates have been issued to Certificate Owners of Book-Entry Certificates pursuant to Section 3.09(c):

  

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(i)           the provisions of this Section 3.09 shall be in full force and effect;

 

(ii)          the Certificate Registrar, the Securities Administrator, the Paying Agent and the Trustee shall deal with the Clearing Agency for all purposes (including the making of distributions on the Book-Entry Certificates) as the authorized representatives of the Certificate Owners and the Clearing Agency and shall be responsible for crediting the amount of such distributions to the accounts of such Persons entitled thereto, in accordance with the Clearing Agency’s normal procedures;

 

(iii)         to the extent that the provisions of this Section 3.09 conflict with any other provisions of this Agreement, the provisions of this Section 3.09 shall control; and

 

(iv)         the rights of Certificate Owners shall be exercised only through the Clearing Agency and the Clearing Agency Participants and shall be limited to those established by law and agreements between such Certificate Owners and the Clearing Agency and/or the Clearing Agency Participants.  Unless and until Definitive Certificates are issued pursuant to Section 3.09(c), the initial Clearing Agency will make book-entry transfers among the Clearing Agency Participants and receive and transmit distributions of principal of and interest on the Book-Entry Certificates to such Clearing Agency Participants.

 

(b)          Whenever notice or other communication to the Certificateholders is required under this Agreement, unless and until Definitive Certificates shall have been issued to Certificate Owners pursuant to Section 3.09(c), the Securities Administrator or the Trustee, as the case may be, shall give all such notices and communications specified herein to be given to Holders of the Book-Entry Certificates to the Clearing Agency.

 

(c)           If (i) (A) the Clearing Agency or the Depositor advises the Paying Agent in writing that the Clearing Agency is no longer willing or able to discharge properly its responsibilities with respect to the Book-Entry Certificates, and (B) the Depositor is unable to locate a qualified successor satisfactory to the Depositor and the Paying Agent or (ii) after the occurrence of an Event of Default, Certificate Owners representing beneficial interests aggregating not less than 50% of the Class Principal Amount of a Class of Book-Entry Certificates advise the Paying Agent and the Clearing Agency through the Clearing Agency Participants in writing that the continuation of a book-entry system through the Clearing Agency is no longer in the best interests of the Certificate Owners of a Class of Book-Entry Certificates (each such event, a “Book-Entry Termination”), the Certificate Registrar shall notify the Clearing Agency to effect notification to all Certificate Owners, through the Clearing Agency, of the occurrence of any such event and of the availability of Definitive Certificates to Certificate Owners.  Upon surrender to the Certificate Registrar of the Book-Entry Certificates by the Clearing Agency, accompanied by registration instructions from the Clearing Agency for registration, the Certificate Registrar shall issue the Definitive Certificates.  None of the Depositor, the Certificate Registrar, the Securities Administrator, the Paying Agent or the Trustee shall be liable for any delay in delivery of such instructions and may conclusively rely on, and shall be protected in relying on, such instructions.  Upon the issuance of Definitive Certificates all references herein to obligations imposed upon or to be performed by the Clearing Agency shall be deemed to be imposed upon and performed by the Certificate Registrar, to the extent applicable, with respect to such Definitive Certificates and the Certificate Registrar shall recognize the holders of the Definitive Certificates as Certificateholders hereunder.  

  

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ARTICLE IV

ADMINISTRATION OF THE TRUST FUND

 

Section 4.01                    Custodial Accounts; Distribution Account. 

 

(a)           On or prior to the Closing Date, each Servicer will be required to establish and maintain one or more Custodial Accounts, as provided in the related Servicing Agreements, into which all Scheduled Payments and unscheduled payments with respect to the Mortgage Loans, net of any deductions or reimbursements permitted under the related Servicing Agreement, shall be deposited.  On each Servicer Remittance Date, the Servicers will remit to the Securities Administrator, for deposit into the Distribution Account, all amounts so required to be deposited into such account in accordance with the terms of the related Servicing Agreement.

 

(b)           The Securities Administrator, as Paying Agent for the Trustee, shall establish and maintain an Eligible Account entitled “Distribution Account of U.S. Bank National Association, as Trustee for the benefit of Sequoia Mortgage Trust 2011-2 Holders of Mortgage Pass-Through Certificates.”  The Securities Administrator shall hold the Distribution Account and all money and other property therein in trust for the benefit of the Certificateholders.  The Securities Administrator shall, promptly upon receipt from the Servicers on each Servicer Remittance Date, deposit into the Distribution Account and retain on deposit until the related Distribution Date the following amounts:

 

(i)           the aggregate of collections with respect to the Mortgage Loans remitted by the Servicers from the related Custodial Accounts in accordance with the Servicing Agreements;

(ii)           any amounts required to be deposited by the Master Servicer with respect to the Mortgage Loans for the related Due Period pursuant to this Agreement, including the amount of any Advances or Master Servicer Compensating Interest Payments with respect to the Mortgage Loans not paid by the Servicers; and

 

(iii)          any other amounts so required to be deposited in the Distribution Account in the related Due Period pursuant to this Agreement.

 

(c)           In the event the Master Servicer or a Servicer has remitted in error to the Distribution Account any amount not required to be remitted in accordance with the definition of Available Distribution Amount, it may at any time direct the Securities Administrator to withdraw such amount from the Distribution Account for repayment to the Master Servicer or Servicer, as applicable, by delivery of an Officer’s Certificate to the Securities Administrator and the Trustee which describes the amount deposited in error.

 

(d)           On each Distribution Date and the final Distribution Date of the Certificates in accordance with Section 7.01, the Securities Administrator, as Paying Agent, shall distribute the Available Distribution Amount to the Certificateholders and any other parties entitled thereto in the amounts and priorities set forth in Section 5.02.  The Securities Administrator may, with the consent of the Depositor,  from time to time withdraw from the Distribution Account and pay to itself, the Master Servicer, the Trustee, the Custodian or the Servicers any amounts permitted to be paid or reimbursed to such Person from funds in the Distribution Account pursuant to clauses (A) and (B) of the definition of Available Distribution Amount.

 

(e)          Funds in the Distribution Account for the period from each Servicer Remittance Date to the related Distribution Date shall, if invested, be invested in Eligible Investments selected by the Securities Administrator, which shall mature not later than the Distribution Date and any such Eligible Investment shall not be sold or disposed of prior to its maturity.  All such Eligible Investments shall be made in the name of the Trustee in trust for the benefit of the Trustee and Holders of the Sequoia Mortgage Trust 2011-2 Certificates.  All income and gain realized from any Eligible Investment in the Distribution Account shall be compensation to the Securities Administrator.  The Securities Administrator shall deposit the amount of any losses incurred in respect of any such investments out of its own funds, without any right of reimbursement therefor, immediately as realized.

  

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Section 4.02                    Reports to Trustee and Certificateholders. 

 

On each Distribution Date, the Securities Administrator shall have prepared and shall make available to the Trustee and each Certificateholder a written report setting forth the following information (on the basis of Mortgage Loan level information obtained from the Master Servicer and the Servicers) (the “Distribution Date Statement”):

 

(a)           the amount of the distributions, separately identified, with respect to each Class of Certificates;

 

(b)           the amount of the distributions set forth in clause (a) allocable to principal, separately identifying the aggregate amount of any Principal Prepayments or other unscheduled recoveries of principal included in that amount;

 

(c)           the amount of the distributions set forth in clause (a) allocable to interest;

 

(d)           the amount of any unpaid Interest Shortfall, Net Prepayment Interest Shortfalls and Relief Act Shortfalls with respect to each Class of Certificates;

 

(e)           the Class Principal Amount of each Class of Certificates (other than the Interest-Only Certificates) and the Class Notional Amount of the Interest-Only Certificates, in each case after giving effect to the distribution of principal on that Distribution Date;

 

(f)           the Aggregate Stated Principal Balance of the Mortgage Loans, the Mortgage Rates (in incremental ranges) and the weighted average remaining term of the Mortgage Loans, at the beginning and at the end of the related Prepayment Period;

 

(g)           the aggregate Substitution Amount and the aggregate Repurchase Price deposited into the Distribution Account with respect to the Mortgage Loans and, to the extent set forth in a written notice from the Depositor, the purchase price deposited into the Distribution Account with respect to each Mortgage Loan purchased by the Controlling Holder pursuant to Section 2.07, which information may be presented in a footnote;

 

(h)           the Senior Percentage and the Subordinate Percentage for the following Distribution Date;

 

(i)            the Senior Prepayment Percentage and the Subordinate Prepayment Percentage for the following Distribution Date;

 

(j)            the amount of the Master Servicing Fee and the Servicing Fee paid to or retained by the Master Servicer and by each Servicer, respectively, and the amount of any fees paid to the Securities Administrator, the Custodian and the Trustee;

 

(k)           the aggregate amount of Advances for the related Due Period;

 

(l)            the number and Stated Principal Balance of the Mortgage Loans that were (A) Delinquent (exclusive of Mortgage Loans in foreclosure) (1) 30 to 59 days, (2) 60 to 89 days and (3) 90 or more days, (B) in foreclosure and Delinquent (1) 30 to 59 days, (2) 60 to 89 days and (3) 90 or more days and (C) in bankruptcy as of the close of business on the last day of the calendar month preceding that Distribution Date;

  

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(m)          the amount of cash flow received for such Distribution Date, and the sources thereof;

 

(n)           for any Mortgage Loan as to which the related Mortgaged Property was an REO Property during the preceding calendar month, the principal balance of such Mortgage Loan as of the close of business on the last day of the related Due Period;

 

(o)           the aggregate number and principal balance of any REO Properties as of the close of business on the last day of the preceding Due Period;

 

(p)           the amount of Realized Losses incurred during the preceding calendar month;

 

(q)           the cumulative amount of Realized Losses incurred since the Closing Date;

 

(r)           the Realized Losses, if any, allocated to each Class of Certificates on that Distribution Date;

 

(s)           the Certificate Interest Rate for each Class of Certificates for that Distribution Date;

 

(t)           any Servicing Modifications with respect to any Mortgage Loan during the related Due Period;

 

(u)          the applicable Record Date, Accrual Period and calculation date for each Class of Certificates and such Distribution Date;

 

(v)          the amount on deposit in the Distribution Account as of such Distribution Date (after giving effect to distributions on such date) and as of the prior Distribution Date;

(w)          the nature of any material breach of a representation and warranty relating to the characteristics of the Mortgage Loans or any transaction covenants;

(x)           the amount of Advances and Servicing Advances reimbursed during the related Due Period;

(y)          the amount of any Subsequent Recoveries;

(z)           the amount of any fees, charges and costs paid or reimbursed to the Master Servicer and the Custodian from the Distribution Account pursuant to this Agreement or the Custodial Agreement;

(aa)         the amounts of any Master Servicer Compensating Interest Payments and Servicer Compensating Interest Payments for such Distribution Date; and

(bb)        whether the Step-Down Test has been satisfied for such Distribution Date.

 

On each Distribution Date, the Securities Administrator shall provide Bloomberg Financial Markets, L.P. (“Bloomberg”) CUSIP level factors for each Class of Offered Certificates as of such Distribution Date, using a format and media mutually acceptable to the Securities Administrator and Bloomberg.

  

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In addition to the information listed above, such Distribution Date Statement shall also include such other information as is required to be reported on Form 10-D by Item 1121(a) and (b) (§229.1121) of Regulation AB.

 

The Securities Administrator shall make such reports, any Form 10-K's and Form 10-D's relating to the Certificates filed under the Exchange Act and such other loan level information as the Depositor and the Securities Administrator shall agree available each month via the Securities Administrator’s website at http://www.ctslink.com. Assistance in using the website may be obtained by calling the Securities Administrator’s customer service desk at 1-866-846-4526. Certificateholders and other parties that are unable to use the website are entitled to have a paper copy mailed to them via first class mail by contacting the Securities Administrator and indicating such. In preparing or furnishing the foregoing information to the Certificateholders, the Securities Administrator shall be entitled to rely conclusively on the accuracy of the information or data regarding the Mortgage Loans and the related REO Properties that has been provided to the Securities Administrator by the Master Servicer and the Servicers, and the Securities Administrator shall not be obligated to verify, recompute, reconcile or recalculate any such information or data.

 

Upon request, within a reasonable period of time after the end of each calendar year, the Securities Administrator shall cause to be furnished to each Person who at any time during the calendar year was a Certificateholder, a statement containing the information listed above aggregated for such calendar year or applicable portion thereof during which such Person was a Certificateholder.  Such obligation of the Securities Administrator shall be deemed to have been satisfied to the extent that substantially comparable information shall be provided by the Securities Administrator pursuant to any requirements of the Code as from time to time in effect.

 

Upon the reasonable advance written request of any Certificateholder that is a savings and loan, bank or insurance company (which request, if received by the Trustee or the Certificate Registrar, shall be promptly forwarded to the Securities Administrator), the Securities Administrator shall provide, or cause to be provided (or, to the extent that such information or documentation is not required to be provided by a Servicer under the applicable Servicing Agreement, shall use reasonable efforts to obtain such information and documentation from such Servicer, and provide) to such Certificateholders such reports and access to information and documentation regarding the Mortgage Loans as such Certificateholders may reasonably deem necessary to comply with applicable regulations of the Office of Thrift Supervision or its successor or other regulatory authorities with respect to an investment in the Certificates; provided, however, that (i) such Certificateholders shall pay in advance for the Securities Administrator’s actual expenses incurred in providing such reports and access and such expenses shall not be paid by the Trust Fund and (ii) the Securities Administrator shall provide such information and documentation only to the extent that the Securities Administrator would not be in violation of any applicable privacy laws.

 

Section 4.03              Rule 17g-5 Compliance.

(a)           The Rule 17g-5 Information Provider shall, upon receipt of an NRSRO certification in the form of Exhibit O, make available on its Rule 17g-5 Website solely to the Depositor, the Rating Agency and to any NRSRO the following items, but only to the extent such items are delivered to it by electronic mail to rmbs17g5informationprovider@wellsfargo.com, specifically with a subject reference of “SEMT 2011-2” and an identification of the type of information being provided in the body of such notice, or any other delivery method established or approved by the Rule 17g-5 Information Provider if or as may be necessary or beneficial, :

	
  

	
(i)

	
any Rating Agency Information provided to the Rule 17g-5 Information Provider in accordance with Sections 6.06, 6.07, 6.14, 9.01, 9.02, 11.03 and 11.12 of this Agreement, as well as reports prepared in accordance with Sections 6.21, 6.22, 6.23 and 6.24 (provided that the Rule 17g-5 Information Provider shall not be required to post to its Rule 17g-5 Website any such information previously posted to and available on the Securities Administrator’s website);

  

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(ii)

	
any notice of any amendment that modifies the procedures herein relating to Exchange Act Rule 17g-5 pursuant to this Agreement; and

	
  

	
(iii)

	
a summary of any oral conversation with the Rating Agency regarding any Mortgage Loan, any Mortgaged Property or any REO Property, to the extent required to be provided pursuant to Rule 17g-5.

The foregoing information shall be made available by the Rule 17g-5 Information Provider on its Rule 17g-5 Website.   Such information shall be posted to the Rule 17g-5 Website on the same Business Day as it is received, provided that such information is received by 12:00 p.m. (eastern time) or, if received after 12:00 p.m., on the next Business Day.  The Rule 17g-5 Information Provider shall have no obligation or duty to verify, confirm or otherwise determine whether the information being delivered is accurate, complete, conforms to the requirements of this Agreement, or otherwise is or is not anything other than what it purports to be.  The Rule 17g-5 Information Provider shall not be deemed to have obtained actual knowledge of any information by virtue of the receipt and posting of such information to the Rule 17g-5 Website.  Further, notwithstanding anything to the contrary herein, in the event the Depositor determines that any information previously posted to the Rule 17g-5 Website should not have been posted thereto pursuant to the terms of this Agreement, the Depositor shall direct the Rule 17g-5 Information Provider in writing to remove such information from the Rule 17g-5 Website, such written notice to specify the information to be so removed.  The Rule 17g-5 Information Provider (i) shall have no obligation or duty to verify, confirm or otherwise determine the accuracy of the information contained in such written direction, (ii) shall be entitled to rely fully upon such written direction and (iii) shall not be held liable in connection with removing any such information from the Rule 17g-5 Website upon the receipt of such written direction.

The Rule 17g-5 Information Provider shall provide a mechanism to notify any party that has submitted an NRSRO Certification each time the Rule 17g-5 Information Provider posts an additional document to the Rule 17g-5 Website.

In connection with providing access to the Rule 17g-5 Website, the Rule 17g-5 Information Provider may require registration and the acceptance of a disclaimer.  The Rule 17g-5 Information Provider shall not be liable for the dissemination of information in accordance with the terms of this Agreement, makes no representations or warranties as to the accuracy or completeness of such information being made available, has no obligation to review such information, and assumes no responsibility for such information.  The Rule 17g-5 Information Provider shall not be liable for its failure to make any information available to the Rating Agency or NRSROs unless such information was delivered to the Rule 17g-5 Information Provider at the email address specified in writing to the Depositor, with a subject heading of “SEMT 2011-2” and sufficient detail to indicate that such information is required to be posted on the Rule 17g-5 Website.

If any NRSRO that has previously submitted an NRSRO Certification and whose NRSRO Certification has been accepted, notifies the Rule 17g-5 Information Provider that it is unable to access information posted to the Rule 17g-5 Website and such access issue is determined to be the result of a problem with the Rule 17g-5 Website, if such access issue is not resolved within one Business Day of such determination, the Rule 17g-5 Information Provider shall so notify the Depositor.

(b)           Each of the Master Servicer and the Trustee hereby agrees that, except as otherwise expressly permitted herein, it shall not communicate with (including verbally) or provide information to the Rating Agency without the prior consent of and consultation with the Depositor, and that any permitted communication by it to the Rating Agency will be made by it only in the manner prescribed by the procedures established by the Depositor to ensure compliance with Rule 17g-5 under the Exchange Act, including to the extent set forth herein, providing any such communications to the Depositor for posting on the Rule 17g-5 Website pursuant to this Section 4.03 prior to communicating with such Rating Agency.

  

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Section 4.04                    Rule 15Ga-1 Compliance. 

 

(a)           To the extent a Responsible Officer of the Master Servicer receives a demand for the repurchase or substitution of a Mortgage Loan based on a breach of a representation or warranty made by the Seller or the Originator of such Mortgage Loan (each, a “Demand”), the Master Servicer agrees (i) if such Demand is in writing, promptly to forward such Demand to the Trustee, and (ii) if such Demand is oral, to instruct the requesting party to submit such Demand in writing to the Trustee.  To the extent a Responsible Officer of the Trustee receives a Demand, it shall provide the Depositor with prompt written notice of such Demand.

(b)           In connection with the repurchase or substitution of a Mortgage Loan pursuant to a Demand, any dispute with respect to a Demand, or the withdrawal or final rejection of a Demand (i) the Master Servicer agrees, to the extent a Responsible Officer of the Master Servicer has actual knowledge thereof, promptly to notify the Trustee in writing, and (ii) the Trustee agrees, to the extent a Responsible Officer of the Trustee has actual knowledge thereof, promptly to notify the Depositor in writing.

(c)           To the extent in its possession, the Trustee shall provide the Depositor with any applicable information required under Rule 15Ga-1 of the Exchange Act (the “Rule 15Ga-1 Information”) in a timely manner so as to enable the Depositor to meet its reporting obligations under Rule 15Ga-1.  The Depositor shall be entitled conclusively to rely on the Rule 15Ga-1 Information provided to it by the Trustee in connection with the compilation by the Depositor of the Rule 15Ga-1 Information required to be reported on Form 10-D.  For the avoidance of doubt, the Depositor shall have sole responsibility for compiling the Rule 15Ga-1 Information required to be reported on Form 10-D, and the Securities Administrator shall be entitled conclusively to rely on any Rule 15Ga-1 Information provided to it by the Depositor for inclusion on each Form 10-D.

ARTICLE V

DISTRIBUTIONS TO HOLDERS OF CERTIFICATES

 

Section 5.01                    Distributions Generally. 

 

(a)           Subject to Section 7.01 respecting the final distribution on the Certificates, on each Distribution Date the Paying Agent on behalf of the Trustee shall make distributions to holders of Certificates as of the related Record Date in accordance with this Article V.  Such distributions shall be made by check mailed to each Certificateholder’s address as it appears on the Certificate Register of the Certificate Registrar or, upon written request made to the Securities Administrator at least five Business Days prior to the related Record Date by any Certificateholder owning an aggregate initial Certificate Principal Amount of at least $1,000,000, or in the case of the Class A-IO Certificates or any Residual Certificate, a Percentage Interest of not less than 100%, by wire transfer in immediately available funds to an account specified in the request and at the expense of such Certificateholder; provided, however, that the final distribution in respect of any Certificate shall be made only upon presentation and surrender of such Certificate at the Certificate Registrar’s Corporate Trust Office; provided, further, that the foregoing provisions shall not apply to any Class of Certificates as long as such Certificate remains a Book-Entry Certificate in which case all payments made shall be made through the Clearing Agency and its Clearing Agency Participants.  Wire transfers will be made at the expense of the Holder requesting such wire transfer by deducting a wire transfer fee from the related distribution.  Notwithstanding such final payment of principal of any of the Certificates, each Certificate will remain outstanding until the termination of each REMIC and the payment in full of all other amounts due with respect to the Certificates and at such time such final payment in retirement of any Certificate will be made only upon presentation and surrender of such Certificate at the Certificate Registrar’s Corporate Trust Office.  If any payment required to be made on the Certificates is to be made on a day that is not a Business Day, then such payment will be made on the next succeeding Business Day.

 

(b)           All distributions or allocations made with respect to the Certificateholders within each Class on each Distribution Date shall be allocated among the outstanding Certificates in such Class equally in proportion to their respective initial Class Principal Amounts or initial Class Notional Amounts (or Percentage Interests).

Section 5.02                    Distributions From the Distribution Account.

 

(a)           Subject to Sections 5.02(b) and (c), on each Distribution Date, the Available Distribution Amount, to the extent received by the Securities Administrator, shall be withdrawn by the Paying Agent from funds in the Distribution Account and allocated among the Classes of Senior Certificates and Subordinate Certificates in the following order of priority:

  

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(i)           to the payment of the Interest Distribution Amount and any accrued but unpaid Interest Shortfalls on the Class A-1 Certificates, and then to the Class A-IO Certificates, the Interest Distribution Amount for such Class on such date and any accrued but unpaid Interest Shortfalls for such date and Class;

 

(ii)           to the Class A-1 Certificates, the Senior Principal Distribution Amount, until its Class Principal Amount has been reduced to zero;

  

(iii)          to the Class B-1 Certificates, the Interest Distribution Amount and any accrued but unpaid Interest Shortfalls, in each case, for such Class on such date;

 

(iv)         to the Class B-1 Certificates, such Class’ Subordinate Class Percentage of the aggregate Subordinate Principal Distribution Amount, until its Class Principal Amount has been reduced to zero;

 

(v)           to the Class B-2 Certificates, the Interest Distribution Amount and any accrued but unpaid Interest Shortfalls, in each case, for such Class on such date;

 

(vi)         to the Class B-2 Certificates, such Class’ Subordinate Class Percentage of the aggregate Subordinate Principal Distribution Amount, until its Class Principal Amount has been reduced to zero;

 

(vii)        to the Class B-3 Certificates, the Interest Distribution Amount and any accrued but unpaid Interest Shortfalls, in each case, for such Class on such date;

 

(viii)       to the Class B-3 Certificates, such Class’ Subordinate Class Percentage of the aggregate Subordinate Principal Distribution Amount, until its Class Principal Amount has been reduced to zero;

 

(ix)          to the Class B-4 Certificates, the Interest Distribution Amount and any accrued but unpaid Interest Shortfalls, in each case, for such Class on such date;

 

(x)           to the Class B-4 Certificates, such Class’ Subordinate Class Percentage of the aggregate Subordinate Principal Distribution Amount, until its Class Principal Amount has been reduced to zero;

(xi)          to the Class B-5 Certificates, the Interest Distribution Amount and any accrued but unpaid Interest Shortfalls, in each case, for such Class on such date;

 

(xii)         to the Class B-5 Certificates, such Class’ Subordinate Class Percentage of the aggregate Subordinate Principal Distribution Amount, until its Class Principal Amount has been reduced to zero; and

 

(xiii)        To the Class LT-R Certificates and the Class R Certificates, any remaining amount of the Available Distribution Amount allocated as provided in Section 5.02(d).

  

(b)           On each Distribution Date on and after the Credit Support Depletion Date, the Available Distribution Amount shall be distributed to the remaining Senior Certificates, first, to pay the Interest Distribution Amount and any accrued but unpaid Interest Shortfalls on a pro rata basis in accordance with any such amounts due, and second, to pay principal to the Class A-1 Certificates.

 

(c)           Notwithstanding the priority and allocation set forth in Section 5.02(a), if with respect to any Class of Subordinate Certificates other than the Class B-1 Certificates on any Distribution Date the sum of the Class Subordination Percentages of such Class and of all other Classes of Subordinate Certificates which have a higher numerical Class designation than such Class is less than the Original Applicable Credit Support Percentage for such Class, no distribution of principal shall be made to any such Classes.  The Subordinate Principal Distribution Amount shall be allocated among the Classes of Subordinate Certificates having lower numerical Class designations than such Class, pro rata, based on the Class Principal Amounts of the respective Classes immediately prior to such Distribution Date and shall be distributed in the sequential order provided in Section 5.02(a) above.

  

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(d)           Amounts distributed to the Residual Certificates pursuant to Section 5.02(a)(xiii) on any Distribution Date shall be allocated among the REMIC residual interests represented thereby such that each such interest is allocated the excess of funds available to the related REMIC over required distributions to the regular interests in such REMIC on such Distribution Date; provided, however, that the Class LT-R Certificate shall be entitled to any amounts representing net gain resulting from the sale of any REO Properties or other Liquidation Proceeds due to the Residual Certificates with respect to the Mortgage Loans.

 

(e)           For purposes of distributions of interest in Section 5.02(a) such distributions to a Class of Certificates on any Distribution Date shall be made first, in respect of Current Interest; and second, in respect of Interest Shortfalls.

(f)           Amounts distributed to the Certificates (other than the Class LT-R Certificate) pursuant to this Section shall be deemed to have first been distributed from the Lower Tier REMIC to the Upper Tier REMIC in respect of the Lower Tier REMIC regular interests in accord with the distribution provisions for the Lower Tier REMIC set forth in the Preliminary Statement.

Section 5.03                    Allocation of Losses.

 

(a)           On or prior to each Distribution Date, the Master Servicer shall calculate the aggregate Realized Losses for such Distribution Date based on the information with respect to losses as reported to it by each Servicer.

 

(b)           On each Distribution Date, the Securities Administrator shall allocate the principal portion of Realized Losses as follows:

 

first, to the Classes of Subordinate Certificates in reverse order of their respective numerical Class designations (beginning with the Class B-5 Certificates and ending with the Class B-1 Certificates) until the Class Principal Amount of each such Class is reduced to zero; and

 

second, to the Class A-1 Certificates, until the Class Principal Amount of the Class A-1 Certificates is reduced to zero.

 

(c)           On each Distribution Date, the Class Principal Amount of the Class of Subordinate Certificates then outstanding with the highest numerical Class designation shall be reduced on each Distribution Date by the Certificate Writedown Amount and if no Subordinate Certificates are then outstanding the Class Principal Amount of the Class A-1 Certificates shall be reduced by the Certificate Writedown Amount.

 

(d)           Any allocation of a loss pursuant to this section to a Class of Certificates shall be achieved by reducing the Class Principal Amount thereof by the amount of such loss.

 

(e)           Subsequent Recoveries in respect of the Mortgage Loans shall be distributed to the Certificates still outstanding, in accordance with Section 5.02, and the Class Principal Amount of each Class of Certificates then outstanding that has been reduced due to application of a Certificate Writedown Amount or Realized Loss will be increased, in order of seniority, by the amount of such Subsequent Recovery.

  

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(f)           Realized Losses and the amount of any Certificate Writedown Amount allocated by this Section to a Class of Certificates shall be allocated to the corresponding Lower Tier REMIC Interest and shall reduce the Class Principal Amount of such Lower Tier REMIC Interest to the same extent that the Class Principal Amount of such Class of Certificates is reduced pursuant to the provisions of this Section.  Subsequent Recoveries distributed to a Class of Certificates pursuant to the provisions of subsection 5.03(e) shall be deemed to have been distributed to the corresponding  Lower Tier REMIC Interest.  To the extent that the Class Principal Amount of any Class of Certificates has been increased on account of Subsequent Recoveries pursuant to the provisions of subsection 5.03(e), the principal balance of the corresponding Lower Tier REMIC Interest shall be increased by the same amount.

(g)           Any Class of Certificates whose Class Principal Amount has been reduced to zero due to the allocation of Realized Losses will nonetheless remain outstanding under this Agreement and will continue to be entitled to receive Subsequent Recoveries until the termination of the Trust Fund; provided, however, that any such Class of Certificates will not have any voting rights with respect to matters under this Agreement requiring or permitting actions to be taken by any Certificateholders.

Section 5.04                    Servicer Obligations.

In the event of any inconsistency between this Agreement and a Servicing Agreement with respect to obligations of a Servicer, the provisions of the applicable Servicing Agreement shall govern such obligations.

Section 5.05                    Advances by Master Servicer.

If any Servicer fails to remit any Advance required to be made under the applicable Servicing Agreement, the Master Servicer shall itself make, or shall cause the successor Servicer to make, such Advance. If the Master Servicer determines that an Advance is required, it shall on the Business Day preceding the related Distribution Date immediately following such Determination Date remit to the Securities Administrator from its own funds (or funds advanced by the applicable Servicer) for deposit in the Distribution Account immediately available funds in an amount equal to such Advance. The Master Servicer and each Servicer shall be entitled to be reimbursed for all Advances made by it. Notwithstanding anything to the contrary herein, in the event the Master Servicer determines in its reasonable judgment that an Advance is nonrecoverable, the Master Servicer shall be under no obligation to make such Advance. If the Master Servicer determines that an Advance is nonrecoverable, it shall, on or prior to the related Distribution Date, deliver an Officer’s Certificate to the Trustee to such effect.

Section 5.06                    Master Servicer Compensating Interest Payments.

The amount of the aggregate Master Servicing Fees payable to the Master Servicer in respect of any Distribution Date shall be reduced (but not below zero) by the amount of any Master Servicer Compensating Interest Payment for such Distribution Date. Such amount shall not be treated as an Advance and shall not be reimbursable to the Master Servicer.

ARTICLE VI

CONCERNING THE TRUSTEE AND THE SECURITIES ADMINISTRATOR; EVENTS OF DEFAULT

 

Section 6.01                    Duties of Trustee and the Securities Administrator. 

 

(a)           The Trustee, except during the continuance of an Event of Default, and the Securities Administrator each undertake to perform their respective duties and only such duties as are specifically set forth in this Agreement.  Any permissive right of the Trustee and the Securities Administrator provided for in this Agreement shall not be construed as a duty of the Trustee or the Securities Administrator, as the case may be. If an Event of Default has occurred and has not otherwise been cured or waived, the Trustee shall exercise such of the rights and powers vested in it by this Agreement and use the same degree of care and skill in their exercise as a prudent Person would exercise or use under the circumstances in the conduct of such Person’s own affairs.

  

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(b)           Each of the Trustee and the Securities Administrator, upon receipt of all resolutions, certificates, statements, opinions, reports, documents, orders or other instruments furnished to the Trustee or the Securities Administrator, as applicable, which are specifically required to be furnished pursuant to any provision of this Agreement, shall examine them to determine whether they are in the form required by this Agreement; provided, however, that neither the Trustee nor the Securities Administrator shall be responsible for the accuracy or content of any such resolution, certificate, statement, opinion, report, document, order or other instrument furnished to the Trustee or the Securities Administrator pursuant to this Agreement and shall not be required to recalculate or verify any numerical information furnished to the Trustee or the Securities Administrator pursuant this Agreement.  Subject to the immediately preceding sentence, if any such resolution, certificate, statement, opinion, report, document, order or other instrument is found not to conform to the form required by this Agreement in a material manner the Trustee or the Securities Administrator, as applicable, shall take such action as it deems appropriate to cause the instrument to be corrected, and if the instrument is not corrected to the Trustee’s or the Securities Administrator’s satisfaction, the Trustee or the Securities Administrator, as applicable, will provide notice thereof to the Certificateholders and take such further action as directed by the Certificateholders pursuant to Sections 6.02(d) and 6.02(f).

 

(c)           None of the Trustee, the Securities Administrator, the Paying Agent or the Certificate Registrar shall have any liability arising out of or in connection with this Agreement, except for its negligence or willful misconduct.   No provision of this Agreement shall be construed to relieve the Trustee, the Securities Administrator, the Paying Agent or the Certificate Registrar from liability for its own negligent action, its own negligent failure to act or its own willful misconduct; provided, however, that:

 

(i)            The Trustee shall not be personally liable with respect to any action taken, suffered or omitted to be taken by it in good faith in accordance with the direction of Holders of Certificates as provided in Section 6.18 hereof;

 

(ii)           For all purposes under this Agreement, the Trustee shall not be deemed to have notice of any Event of Default unless a Responsible Officer of the Trustee has actual knowledge thereof or unless written notice of any event which is in fact such a default is received by the Trustee at the Corporate Trust Office of the Trustee, and such notice references the Holders of the Certificates and this Agreement;

(iii)          For all purposes under this Agreement, except when the Master Servicer is the Securities Administrator, the Securities Administrator shall not be deemed to have notice of any Event of Default (other than resulting from a failure by the Master Servicer to furnish information to the Securities Administrator or payment on a Distribution Date when required to do so) unless a Responsible Officer of the Securities Administrator has actual knowledge thereof or unless written notice of any event which is in fact such a default is received by the Securities Administrator at the at the address provided in Section 11.07, and such notice references the Holders of the Certificates and this Agreement;

 

(iv)          No provision of this Agreement shall require the Trustee or the Securities Administrator (regardless of the capacity in which it is acting) to expend or risk its own funds or otherwise incur any financial liability in the performance of any of its duties hereunder, or in the exercise of any of its rights or powers, if it shall have reasonable grounds for believing that repayment of such funds or adequate indemnity against such risk or liability is not reasonably assured to it; and none of the provisions contained in this Agreement shall in any event require the Trustee or the Securities Administrator to perform, or be responsible for the manner of performance of, any of the obligations of the Depositor, the Master Servicer or any other Person under this Agreement, the Servicing Agreements or the Custodial Agreement; and

  

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(v)           None of the Trustee, the Securities Administrator, the Paying Agent or the Certificate Registrar shall be responsible for any act or omission of the Master Servicer (other than, in the case of the Securities Administrator, as provided in the next sentence), the Depositor, the Seller, the Servicers, the Custodian or the Controlling Holder.  If the Master Servicer is the Securities Administrator, the Securities Administrator shall be responsible for any act or omission of the Master Servicer.

 

(d)           The Trustee shall have no duty hereunder with respect to any complaint, claim, demand, notice or other document it may receive or which may be alleged to have been delivered to or served upon it by the parties as a consequence of the assignment of any Mortgage Loan hereunder; provided, however, that the Trustee shall promptly remit to the applicable Servicer (with a copy to the Master Servicer) upon receipt any such complaint, claim, demand, notice or other document (i) which is delivered to the Corporate Trust Office of the Trustee, (ii) of which a Responsible Officer has actual knowledge, and (iii) which contains information sufficient to permit the Trustee to make a determination that the real property to which such document relates is a Mortgaged Property.

 

(e)           None of the Trustee, the Securities Administrator or the Master Servicer shall be personally liable with respect to any action taken, suffered or omitted to be taken by it in good faith in accordance with the direction of the Certificateholders of any Class holding Certificates which evidence, as to such Class, Percentage Interests aggregating not less than 25% as to the time, method and place of conducting any proceeding for any remedy available to the Trustee, the Securities Administrator or the Master Servicer or exercising any trust or power conferred upon the Trustee, the Securities Administrator or the Master Servicer under this Agreement.

 

(f)            Neither the Trustee nor the Securities Administrator shall be required to perform services under this Agreement, or to expend or risk its own funds or otherwise incur financial liability for the performance of any of its duties hereunder or the exercise of any of its rights or powers if there is reasonable ground for believing that the timely payment of its fees and expenses or the repayment of such funds or adequate indemnity against such risk or liability is not reasonably assured to it, and none of the provisions contained in this Agreement shall in any event require the Trustee or the Securities Administrator to perform, or be responsible for the manner of performance of, any of the obligations of the Master Servicer or any Servicer under this Agreement or any Servicing Agreement except, with respect to the Master Servicer, during such time, if any, as the Trustee shall be the successor to, and be vested with the rights, duties, powers and privileges of, the Master Servicer in accordance with the terms of this Agreement.

 

(g)           Except as otherwise provided herein, neither the Trustee nor the Securities Administrator shall have any duty (A) to see to any recording, filing, or depositing of this Agreement or any agreement referred to herein or any financing statement or continuation statement evidencing a security interest, or to see to the maintenance of any such recording or filing or depositing or to any rerecording, refiling or redepositing of any thereof, (B) to see to any insurance, (C) to see to the payment or discharge of any tax, assessment, or other governmental charge or any lien or encumbrance of any kind owing with respect to, assessed or levied against, any part of the Trust Fund other than from funds available in the Distribution Account, or (D) to confirm or verify the contents of any reports or certificates of the Master Servicer or any Servicer delivered to the Trustee or the Securities Administrator pursuant to this Agreement or any Servicing Agreement believed by the Trustee or the Securities Administrator, as applicable, to be genuine and to have been signed or presented by the proper party or parties.

 

(h)           None of the Trustee, the Securities Administrator, the Paying Agent or the Certificate Registrar shall be liable in its individual capacity for an error of judgment made in good faith by a Responsible Officer or other officers of the Trustee, the Securities Administrator, the Paying Agent or the Certificate Registrar, as applicable, unless it shall be proved that the Trustee, the Securities Administrator, the Paying Agent or the Certificate Registrar, as applicable, was negligent in ascertaining the pertinent facts.

  

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(i)            Notwithstanding anything in this Agreement to the contrary, none of the Trustee, the Securities Administrator, the Paying Agent or the Certificate Registrar shall be liable for special, indirect or consequential losses or damages of any kind whatsoever (including, but not limited to, lost profits), even if the Trustee, the Securities Administrator, the Paying Agent or the Certificate Registrar, as applicable, has been advised of the likelihood of such loss or damage and regardless of the form of action.

(j)            Neither the Trustee nor the Securities Administrator (regardless of the capacity in which it is acting) shall be responsible for the acts or omissions of the other, it being understood that this Agreement shall not be construed to render them agents of one another.

(k)           The duties and obligations of the Trustee, the Securities Administrator, the Paying Agent and the Certificate Registrar shall be determined solely by the express provisions of this Agreement, none of the Trustee, the Securities Administrator, the Paying Agent or the Certificate Registrar shall be liable except for the performance of its duties and obligations as are specifically set forth in this Agreement, no implied covenants or obligations shall be read into this Agreement against the Trustee, the Securities Administrator, the Paying Agent or the Certificate Registrar and, in the absence of bad faith on the part of the Trustee, the Securities Administrator, the Paying Agent or the Certificate Registrar, the Trustee, the Securities Administrator, the Paying Agent or the Certificate Registrar, as applicable, may conclusively rely, as to the truth of the statements and the correctness of the opinions expressed therein, upon any certificates or opinions furnished to such party that conform to the requirements of this Agreement.

  

Section 6.02                    Certain Matters Affecting the Trustee and the Securities Administrator. 

 

Except as otherwise provided in Section 6.01:

 

(a)           Before taking or refraining from taking any actions hereunder, each of the Trustee and the Securities Administrator may request, and may rely and shall be protected in acting or refraining from acting upon, any resolution, Officer’s Certificate, certificate of auditors or any other certificate, statement, instrument, opinion, report, notice, request, consent, order, approval, bond or other paper or document believed by it to be genuine and to have been signed or presented by the proper party or parties;

 

(b)           Each of the Trustee and the Securities Administrator may consult with counsel and any advice of its counsel or Opinion of Counsel shall be full and complete authorization and protection in respect of any action taken or suffered or omitted by it hereunder in good faith and in accordance with such advice or Opinion of Counsel;

 

(c)           Neither the Trustee nor the Securities Administrator shall be personally liable for any action taken, suffered or omitted by it in good faith and reasonably believed by it to be authorized or within the discretion or rights or powers conferred upon it by this Agreement;

 

(d)           Unless an Event of Default shall have occurred and be continuing, the Trustee shall not be bound to make any investigation into the facts or matters stated in any resolution, certificate, statement, instrument, opinion, report, notice, request, consent, order, approval, bond or other paper or document (provided the same appears regular on its face), unless requested in writing to do so by the Holders of at least a majority in Class Principal Amount (or Percentage Interest) of each Class of Certificates or such other percentage specified in Section 2.05 with respect to actions described in Section 2.05; provided, however, that, if the payment within a reasonable time to the Trustee of the costs, expenses or liabilities likely to be incurred by it in the making of such investigation is, in the opinion of the Trustee, not reasonably assured to the Trustee by the security afforded to it by the terms of this Agreement, the Trustee may require reasonable indemnity against such expense or liability or payment of such estimated expenses from the Certificateholders as a condition to proceeding.  Except as otherwise provided in Section 2.05, the reasonable expense thereof shall be paid by the party requesting such investigation and shall not be paid by the Trust Fund; and, provided further, that in the case of an alleged breach of an Originator's representations and warranties, the provisions of Section 2.05 must be satisfied.

  

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(e)           Each of the Trustee and the Securities Administrator may execute any of the trusts or powers hereunder or perform any duties hereunder either directly or by or through agents, custodians or attorneys, which agents, custodians or attorneys shall have any and all of the rights, powers, duties and obligations of the Trustee and the Securities Administrator conferred on them by such appointment; provided that each of the Trustee and the Securities Administrator shall continue to be responsible for its duties and obligations hereunder to the extent provided herein; provided further that the Trustee shall not be responsible for the duties and obligations of Wells Fargo Bank, N.A. in its capacity as any of the Custodian, the Paying Agent, the Authenticating Agent, the Securities Administrator or the Certificate Registrar under this Agreement or the Custodial Agreement, as applicable;

 

(f)            Neither the Trustee nor the Securities Administrator shall be under any obligation to exercise any of the trusts or powers vested in it by this Agreement, and the Trustee shall not be under any obligation to institute, conduct or defend any litigation hereunder or in relation hereto, in each case at the request, order or direction of any of the Certificateholders pursuant to the provisions of this Agreement, unless such Certificateholders shall have offered to the Trustee or the Securities Administrator, as applicable, security or indemnity reasonably satisfactory to the Trustee or the Securities Administrator against the costs, expenses and liabilities which may be incurred therein or thereby;

 

(g)           The right of the Trustee and the Securities Administrator to perform any discretionary act enumerated in this Agreement shall not be construed as a duty, and neither the Trustee nor the Securities Administrator shall be answerable for other than its negligence or willful misconduct in the performance of such act;

 

(h)           Neither the Trustee nor the Securities Administrator shall be required to give any bond or surety in respect of the execution of the Trust Fund created hereby or the powers granted hereunder; and

 

(i)            Neither the Trustee nor the Securities Administrator shall have any duty to conduct any affirmative investigation (including, but not limited to, reviewing any reports delivered to the Trustee in connection with the review of the Trustee Mortgage Files) as to the occurrence of any condition requiring the repurchase of any Mortgage Loan pursuant to this Agreement, the Mortgage Loan Purchase and Sale Agreement, the Purchase Agreements or the Servicing Agreements, as applicable, or the eligibility of any Mortgage Loan for purposes of this Agreement including, without limitation, whether any mortgage loan is a Qualified Substitute Mortgage Loan, except as set forth in Section 2.05 with respect to the Trustee.  In the event that the Trustee receives written direction from the requisite percentage of Certificateholders in accordance with Section 2.05 to make such investigation, then the Trustee shall direct the Master Servicer to engage a third party or Wells Fargo Bank, N.A. to perform such investigation and report its findings, the expense of which shall be included in the costs and expenses for which the Master Servicer is entitled to be reimbursed in accordance with Section 2.05.

 

In the event either the Trustee or the Securities Administrator deems the nature of any action required on its part to be unclear, the Trustee or the Securities Administrator, as applicable, may require prior to such action that it be provided by the Depositor with reasonable further written instructions.

 

Section 6.03                    Trustee and Securities Administrator Not Liable for Certificates.

 

The Trustee and the Securities Administrator make no representations as to the validity or sufficiency of this Agreement, the Custodial Agreement, the Purchase Agreements, the Servicing Agreements, the Mortgage Loan Purchase and Sale Agreement or the Certificates (other than the certificate of authentication on the Certificates) or of any Mortgage Loan or related document, save that the Trustee and the Securities Administrator represent that, assuming due execution and delivery by the other parties hereto, this Agreement has been duly authorized, executed and delivered by it and constitutes its valid and binding obligation, enforceable against it in accordance with its terms except that such enforceability may be subject to (A) applicable bankruptcy and insolvency laws and other similar laws affecting the enforcement of the rights of creditors generally, and (B) general principles of equity regardless of whether such enforcement is considered in a proceeding in equity or at law.   The recitals contained herein and in the Certificates (other than the signature of the Trustee on the Certificates and the acknowledgements of the Trustee contained in Article II) shall not be taken as the statements of the Trustee and the Trustee does not assume any responsibility for their correctness.  Neither the Trustee nor the Securities Administrator shall be accountable for the use or application by the Depositor of any of the Certificates or of the proceeds of such Certificates, or of funds paid to the Depositor in consideration of the sale of the Mortgage Loans to the Trustee by the Depositor or for the use or application of any funds deposited into the Distribution Account or any other fund or account maintained with respect to the Certificates.  Neither the Trustee nor the Securities Administrator shall be responsible for the legality or validity of this Agreement or the validity, priority, perfection or sufficiency of the security for the Certificates issued or intended to be issued hereunder.  Neither the Trustee nor the Securities Administrator shall have any responsibility for filing any financing or continuation statement in any public office at any time or to otherwise perfect or maintain the perfection of any security interest or lien granted to it hereunder or to record this Agreement.

  

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Section 6.04                    Trustee and Securities Administrator May Own Certificates. 

 

Each of the Trustee and the Securities Administrator (and any Affiliate or agent of either of them) in its individual or any other capacity may become the owner or pledgee of Certificates and may transact banking and trust business with the other parties hereto and their Affiliates with the same rights it would have if it were not Trustee, Securities Administrator or such Affiliate or agent, as applicable.

 

Section 6.05                    Eligibility Requirements for Trustee and Securities Administrator. 

 

The Trustee hereunder shall at all times (i) be an institution insured by the FDIC, (ii) be a corporation or national banking association, organized and doing business under the laws of any State or the United States of America, authorized under such laws to exercise corporate trust powers, having a combined capital and surplus of not less than $50,000,000 and subject to supervision or examination by federal or state authority and (iii) not be an Affiliate of the Master Servicer or any Servicer.  If such corporation or national banking association publishes reports of condition at least annually, pursuant to law or to the requirements of the aforesaid supervising or examining authority, then, for the purposes of this Section, the combined capital and surplus of such corporation or national banking association shall be deemed to be its combined capital and surplus as set forth in its most recent report of condition so published.  In case at any time the Trustee shall cease to be eligible in accordance with provisions of this Section, the Trustee shall resign immediately in the manner and with the effect specified in Section 6.06.

The Securities Administrator hereunder shall at all times (i) be an institution authorized to exercise corporate trust powers under the laws of its jurisdiction of organization, (ii) be rated at least “A/F1” by Fitch, or if not rated by Fitch, the equivalent rating by Moody’s or S&P, and (iii) not be the originator of any of the Mortgage Loans, a Servicer, the Depositor or an Affiliate of the Depositor.

     

Section 6.06                    Resignation and Removal of Trustee and the Securities Administrator. 

 

(a)           Each of the Trustee and the Securities Administrator may at any time resign and be discharged from the trust hereby created by giving 60 days’ written notice thereof to the Trustee or the Securities Administrator, as applicable, the Depositor and the Master Servicer.  Upon receiving such notice of resignation, the Depositor will promptly appoint a successor trustee or a successor securities administrator, as applicable, by written instrument, one copy of which instrument shall be delivered to the resigning Trustee or resigning Securities Administrator, as applicable, one copy to the successor trustee or successor securities administrator, as applicable, and one copy to the Master Servicer.  If no successor trustee or successor securities administrator shall have been so appointed and shall have accepted appointment within 30 days after the giving of such notice of resignation, the resigning Trustee or resigning Securities Administrator, as applicable, may petition any court of competent jurisdiction for the appointment of a successor trustee or successor securities administrator, as applicable.  In the case of any such resignation by the Securities Administrator, if no successor securities administrator shall have been appointed and shall have accepted appointment within 60 days after the Securities Administrator ceases to be the Securities Administrator pursuant to this Section 6.06, then the Trustee shall perform the duties of the Securities Administrator pursuant to this Agreement and shall be entitled to the fees of the Securities Administrator for so long as the Trustee performs such duties; provided, however, that the Trustee may engage a qualified entity to perform the duties of the Securities Administrator under Sections 6.21, 6.22, 6.23, 6.24 and 11.16 of this Agreement.  The successor trustee shall notify the Rating Agency through the Rule 17g-5 Information Provider, the Servicers and the Master Servicer of any change of Trustee and the successor securities administrator shall notify the Rating Agency through the Rule 17g-5 Information Provider, the Servicers and the Master Servicer of any change of Securities Administrator.

  

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(b)           If at any time any of the following events shall occur: (i) the Trustee or the Securities Administrator ceases to be eligible in accordance with the provisions of Section 6.05 and fails to resign after written request therefor by the Depositor, (ii) the Securities Administrator fails to perform its obligations pursuant to Section 5.02 to make distributions to Certificateholders, which failure continues unremedied for a period of one Business Day after the date upon which written notice of such failure shall have been given to the Securities Administrator by the Trustee or the Depositor, (iii) the Securities Administrator fails to provide a Back-up Certificate, Assessment of Compliance or an Accountant’s Attestation required under Sections 6.20, 6.21 and 6.22, respectively, by March 15 of each year in which Exchange Act reports are required, (iv) the Trustee or the Securities Administrator becomes incapable of acting, or is adjudged a bankrupt or insolvent, or a receiver of the Trustee or the Securities Administrator of its property is appointed, or any public officer takes charge or control of the Trustee or the Securities Administrator or of the property or affairs of either for the purpose of rehabilitation, conservation or liquidation, (v) a tax is imposed or threatened with respect to the Trust Fund by any state in which the Trustee or the Trust Fund held by the Trustee is located, or (vi) the continued use of the Trustee or the Securities Administrator would result in a downgrading of the rating by the Rating Agency of any Class of Certificates with a rating; then, in each such case, the Depositor shall remove the Trustee or the Securities Administrator, as applicable, and the Depositor shall appoint a successor trustee or successor securities administrator, as applicable, by written instrument, one copy of which instrument shall be delivered to the Trustee or Securities Administrator so removed, one copy to the successor trustee or successor securities administrator, as applicable, and one copy to the Master Servicer.  If the same Person is acting as both the Securities Administrator and the Master Servicer, then the Depositor shall direct the Trustee to remove the Master Servicer in accordance with the provisions of Section 6.14, and the Trustee promptly upon such direction shall remove the Master Servicer in accordance therewith.

 

(c)           The Holders of more than 50% of the Class Principal Amount (or Percentage Interest) of each Class of Certificates may at any time upon 30 days’ written notice to the Trustee or the Securities Administrator, as applicable, and to the Depositor remove the Trustee or the Securities Administrator, as applicable, by such written instrument, signed by such Holders or their attorney-in-fact duly authorized, one copy of which instrument shall be delivered to the Depositor, one copy to the Trustee or Securities Administrator, as applicable, and one copy to the Master Servicer.  The Depositor shall thereupon appoint a successor trustee or successor securities administrator, as applicable, in accordance with this Section.

 

(d)           Any resignation or removal of the Trustee or the Securities Administrator, as applicable, and appointment of a successor trustee or successor securities administrator pursuant to any of the provisions of this Section shall only become effective upon acceptance of appointment by the successor trustee or the successor securities administrator, as applicable, as provided in Section 6.07.

  

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Section 6.07                    Successor Trustee and Successor Securities Administrator. 

 

(a)           Any successor trustee or successor securities administrator appointed as provided in Section 6.06 shall execute, acknowledge and deliver to the Depositor and to its predecessor trustee or predecessor securities administrator, as applicable, an instrument accepting such appointment hereunder, and thereupon the resignation or removal of the predecessor trustee or predecessor securities administrator, as applicable, shall become effective and such successor trustee or successor securities administrator, as applicable, without any further act, deed or conveyance, shall become fully vested with all the rights, powers, duties and obligations of its predecessor hereunder, with like effect as if originally named as trustee or securities administrator, as applicable, herein.  The predecessor trustee shall deliver to the successor trustee (or assign to the Trustee its interest under the Custodial Agreement, to the extent permitted thereunder), all Trustee Mortgage Files and documents and statements related to each Trustee Mortgage File held by it hereunder, the predecessor trustee shall duly assign, transfer, deliver and pay over to the successor trustee the entire Trust Fund, together with all necessary instruments of transfer and assignment or other documents properly executed necessary to effect such transfer and the predecessor trustee or the predecessor securities administrator, as applicable, shall deliver such of the records or copies thereof maintained by the predecessor trustee or predecessor securities administrator, as applicable, in the administration hereof as may be requested by the successor trustee and shall thereupon be discharged from all duties and responsibilities under this Agreement.  In addition, the Depositor and the predecessor trustee or predecessor securities administrator, as applicable, shall execute and deliver such other instruments and do such other things as may reasonably be required to more fully and certainly vest and confirm in the successor trustee or successor securities administrator, as applicable, all such rights, powers, duties and obligations.  The predecessor securities administrator shall also deliver to the Depositor the Back-up Certificate with respect to the portion of the calendar year in which the predecessor securities administrator acted as Securities Administrator hereunder.

 

(b)           No successor trustee or successor securities administrator shall accept appointment as provided in this Section unless at the time of such appointment such successor trustee or successor securities administrator, as applicable, shall be eligible under the provisions of Section 6.05.

 

(c)           Upon acceptance of appointment by a successor trustee or successor securities administrator, as applicable, as provided in this Section 6.07, the predecessor trustee or predecessor securities administrator, as applicable, shall mail notice of the succession of such trustee or securities administrator, as applicable, hereunder to all Holders of Certificates at their addresses as shown in the Certificate Register and to the Rating Agency through the Rule 17g-5 Information Provider.  The expenses of such mailing shall be borne by the Master Servicer.

 

Section 6.08                    Merger or Consolidation of Trustee or Securities Administrator. 

 

Any Person into which the Trustee or Securities Administrator may be merged or with which it may be consolidated, or any Person resulting from any merger, conversion or consolidation to which the Trustee or Securities Administrator shall be a party, or any Persons succeeding to the corporate trust business of the Trustee or Securities Administrator, shall be the successor to the Trustee or Securities Administrator hereunder, without the execution or filing of any paper or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding, provided that such Person shall be eligible under the applicable provisions of Section 6.05.

 

Section 6.09                    Appointment of Co-Trustee, Separate Trustee or Custodian. 

(a)           Notwithstanding any other provisions hereof, at any time, the Trustee, the Depositor or the Certificateholders evidencing more than 50% of the Class Principal Amount (or Percentage Interest) of every Class of Certificates shall have the power from time to time to appoint one or more Persons, approved by the Trustee, to act either as co-trustees jointly with the Trustee, or as separate trustees, or as custodians, for the purpose of holding title to, foreclosing or otherwise taking action with respect to any Mortgage Loan outside the state where the Trustee has its principal place of business where such separate trustee or co-trustee is necessary or advisable (or the Trustee has been advised by the Master Servicer that such separate trustee or co-trustee is necessary or advisable) under the laws of any state in which a property securing a Mortgage Loan is located or for the purpose of otherwise conforming to any legal requirement, restriction or condition in any state in which a property securing a Mortgage Loan is located or in any state in which any portion of the Trust Fund is located.  The separate trustees, co-trustees, or custodians so appointed shall be trustees or custodians for the benefit of all the Certificateholders and shall have such powers, rights and remedies as shall be specified in the instrument of appointment; provided, however, that no such appointment shall, or shall be deemed to, constitute the appointee an agent of the Trustee.  The obligation of the Master Servicer to make Advances pursuant to Section 5.05 hereof shall not be affected or assigned by the appointment of a co-trustee.

  

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(b)           Every separate trustee, co-trustee, and custodian shall, to the extent permitted by law, be appointed and act subject to the following provisions and conditions:

 

(i)            all powers, duties, obligations and rights conferred upon the Trustee in respect of the receipt, custody and payment of moneys shall be exercised solely by the Trustee;

 

(ii)           all other rights, powers, duties and obligations conferred or imposed upon the Trustee shall be conferred or imposed upon and exercised or performed by the Trustee and such separate trustee, co-trustee, or custodian jointly, except to the extent that under any law of any jurisdiction in which any particular act or acts are to be performed the Trustee shall be incompetent or unqualified to perform such act or acts, in which event such rights, powers, duties and obligations, including the holding of title to the Trust Fund or any portion thereof in any such jurisdiction, shall be exercised and performed by such separate trustee, co-trustee, or custodian;

 

(iii)          no trustee or custodian hereunder shall be personally liable by reason of any act or omission of any other trustee or custodian hereunder; and

 

(iv)          the Trustee may at any time, by an instrument in writing executed by it, with the concurrence of the Depositor, accept the resignation of or remove any separate trustee, co-trustee or custodian, so appointed by it or them, if such resignation or removal does not violate the other terms of this Agreement.

 

(c)           Any notice, request or other writing given to the Trustee shall be deemed to have been given to each of the then separate trustees and co-trustees, as effectively as if given to each of them.  Every instrument appointing any separate trustee, co-trustee or custodian shall refer to this Agreement and the conditions of this Article VI.  Each separate trustee and co-trustee, upon its acceptance of the trusts conferred, shall be vested with the estates or property specified in its instrument of appointment, either jointly with the Trustee or separately, as may be provided therein, subject to all the provisions of this Agreement, specifically including every provision of this Agreement relating to the conduct of, affecting the liability of, or affording protection to, the Trustee.  Every such instrument shall be filed with the Trustee and a copy given to the Master Servicer.

 

(d)           Any separate trustee, co-trustee or custodian may, at any time, constitute the Trustee, its agent or attorney-in-fact with full power and authority, to the extent not prohibited by law, to do any lawful act under or in respect of this Agreement on its behalf and in its name.  If any separate trustee, co-trustee or custodian shall die, become incapable of acting, resign or be removed, all of its estates, properties, rights, remedies and trusts shall vest in and be exercised by the Trustee, to the extent permitted by law, without the appointment of a new or successor trustee.

 

(e)           No separate trustee, co-trustee or custodian hereunder shall be required to meet the terms of eligibility as a successor trustee under Section 6.05 hereunder and no notice to the Certificateholders of the appointment shall be required under Section 6.07 hereof.

 

(f)            The Trustee agrees to instruct the co-trustees, if any, to the extent necessary to fulfill the Trustee’s obligations hereunder.

 

(g)           The Trust Fund shall pay the reasonable compensation of the co-trustees (which compensation shall not reduce any compensation payable to the Trustee).

  

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Section 6.10                    Authenticating Agents. 

 

(a)           The Trustee may appoint one or more Authenticating Agents which shall be authorized to act on behalf of the Trustee in authenticating Certificates.  The Trustee hereby appoints the Securities Administrator as initial Authenticating Agent, and the Securities Administrator hereby accepts such appointment.  Wherever reference is made in this Agreement to the authentication of Certificates by the Trustee or the Trustee’s certificate of authentication, such reference shall be deemed to include authentication on behalf of the Trustee by an Authenticating Agent and a certificate of authentication executed on behalf of the Trustee by an Authenticating Agent.  Each Authenticating Agent must be a national banking association or a corporation organized and doing business under the laws of the United States of America or of any state, having a combined capital and surplus of at least $15,000,000, authorized under such laws to exercise corporate trust powers and subject to supervision or examination by federal or state authorities.

 

(b)           Any Person into which any Authenticating Agent may be merged or converted or with which it may be consolidated, or any Person resulting from any merger, conversion or consolidation to which any Authenticating Agent shall be a party, or any Person succeeding to the corporate agency business of any Authenticating Agent, shall continue to be the Authenticating Agent without the execution or filing of any paper or any further act on the part of the Trustee or the Authenticating Agent.

 

(c)           Any Authenticating Agent may at any time resign by giving at least 30 days’ advance written notice of resignation to the Trustee and the Depositor.  The Trustee may at any time terminate the agency of any Authenticating Agent by giving written notice of termination to such Authenticating Agent and the Depositor.  Upon receiving a notice of resignation or upon such a termination, or in case at any time any Authenticating Agent shall cease to be eligible in accordance with the provisions of this Section 6.10, the Trustee may appoint a successor authenticating agent, shall give written notice of such appointment to the Depositor and shall mail notice of such appointment to all Holders of Certificates.  Any successor authenticating agent upon acceptance of its appointment hereunder shall become vested with all the rights, powers, duties and responsibilities of its predecessor hereunder, with like effect as if originally named as Authenticating Agent.  No successor authenticating agent shall be appointed unless eligible under the provisions of this Section 6.10.  No Authenticating Agent shall have responsibility or liability for any action taken by it as such at the direction of the Trustee or in accordance with the provisions of this Agreement.

 

Section 6.11                    Indemnification of the Trustee, the Securities Administrator and the Master Servicer. 

 

Subject to the limitations described in clause (C) of  the definition of Available Distribution Amount, U.S. Bank National Association, both in its individual capacity and in its capacity as Trustee hereunder, and Wells Fargo Bank, N.A., both in its individual capacity and in its capacities as Securities Administrator, Certificate Registrar, Paying Agent, Authenticating Agent and Master Servicer hereunder, and each of their respective directors, officers, employees and agents shall be indemnified and held harmless by, and entitled to reimbursement from, the Trust Fund for any claim, loss, liability, damage, cost or expense, including without limitation any reasonable legal fees and expenses and any extraordinary or unanticipated expense, incurred or expended (without negligence or willful misconduct on its or their part) in connection with, (a) investigating, preparing for, defending itself or themselves against, or prosecuting for itself or themselves or for the sake of the Trust Fund any legal proceeding, whether pending or threatened, that is related directly or indirectly in any way to the Trust Fund, this Agreement, the Purchase Agreements, the Servicing Agreements, the Mortgage Loan Purchase and Sale Agreement, the Custodial Agreement, the Mortgage Loans or other assets of the Trust Fund, or  the Certificates (including without limitation the initial offering, any secondary trading and any transfer and exchange of the Certificates), (b) the acceptance or administration of the trusts created hereunder, (c) the performance or exercise or the lack of performance or exercise of any or all of its or their powers, duties, rights, responsibilities, or privileges hereunder, including without limitation (i) complying with any new or updated laws or regulations directly related to the performance by the Trustee, the Securities Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent or the Master Servicer as applicable, of its obligations under this Agreement and (ii) addressing any bankruptcy in any way related to or affecting this Agreement, the Purchase Agreements, the Servicing Agreements, the Custodial Agreement, the Mortgage Loan Purchase and Sale Agreement or any party to such agreements, including, as applicable, all costs incurred in connection with the use of default specialists within or outside U.S. Bank National Association (in the case of U.S. Bank National Association personnel, such costs to be calculated using standard market rates), in the case of the Trustee, or Wells Fargo Bank, N.A. (in the case of Wells Fargo Bank, N.A. personnel, such costs to be calculated using standard market rates), in the case of the Securities Administrator.

  

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In connection with any claim as to which indemnification is to be sought hereunder:

(i)            the Trustee, the Securities Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent or the Master Servicer as applicable, shall give the Depositor written notice thereof promptly after the Trustee, the Securities Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent or the Master Servicer as applicable, shall have knowledge thereof; provided that failure of the Trustee, the Securities Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent or the Master Servicer, as applicable, to provide such written notice shall not relieve the Trust Fund of the obligation to indemnify the Trustee, the Securities Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent or the Master Servicer as applicable, under this Section 6.11;

 

(ii)           while maintaining control over its own defense, the Trustee, the Securities Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent or the Master Servicer as applicable, shall cooperate and consult fully with the Depositor in preparing such defense; and

 

(iii)          notwithstanding anything to the contrary in this Section 6.11, the Trust Fund shall not be liable for settlement of any such claim by the Trustee, the Securities Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent or the Master Servicer, as applicable, entered into without the prior consent of the Depositor, which consent shall not be unreasonably withheld.

 

The indemnification obligations set forth in this Section shall survive the discharge of this Agreement and the termination or resignation of the Trustee, the Securities Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent or the Master Servicer, as applicable.

Section 6.12                    Fees and Expenses of the Securities Administrator, the Certificate Registrar, the Paying Agent, Authenticating Agent, the Trustee and the Custodian. 

 

(a)           Compensation for the services of the Securities Administrator, the Certificate Registrar, the Paying Agent and the Authenticating Agent hereunder shall be paid from the Master Servicing Fee. The Securities Administrator shall be entitled to all disbursements and advancements incurred or made by the Securities Administrator in accordance with this Agreement (including fees and expenses of its counsel and all persons not regularly in its employment), except any such expenses arising from its negligence, bad faith or willful misconduct. Wells Fargo Bank, N.A. shall act as Securities Administrator for so long as it is Master Servicer under this Agreement.

(b)           As compensation for its services hereunder, the Trustee shall be entitled to receive a Trustee fee equal to $3,500  per annum, which shall be paid by the Master Servicer pursuant to a separate agreement between the Trustee and the Master Servicer.  Each successor master servicer and each successor trustee hereby agree to be bound by the terms of such agreement.  Any costs and expenses incurred by the Trustee shall be reimbursed in accordance with Section 6.11.

  

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(c)           The Master Servicer shall pay, from the Master Servicing Fee, the fees and expenses of the Custodian as specified in the Custodial Agreement, and if the Custodial Agreement is terminated, the Master Servicer shall pay such fees and expenses of any successor custodian pursuant to a new custodial agreement to be entered into among the Depositor, the Seller, the Trustee, the successor custodian and the Master Servicer.

Section 6.13                    Collection of Monies. 

 

Except as otherwise expressly provided in this Agreement, the Trustee and the Securities Administrator may demand payment or delivery of, and shall receive and collect, all money and other property payable to or receivable by it pursuant to this Agreement.  The Trustee or the Securities Administrator, as applicable, shall hold all such money and property received by it as part of the Trust Fund and shall distribute it as provided in this Agreement.

 

Section 6.14                    Events of Default; Trustee to Act; Appointment of Successor. 

 

(a)           The occurrence of any one or more of the following events shall constitute an “Event of Default”:

(i)            Any failure by the Master Servicer to furnish the Securities Administrator the Mortgage Loan data sufficient to prepare the reports described in Section 4.02 which continues unremedied for a period of one Business Day after the date upon which written notice of such failure shall have been given to the Master Servicer by the Trustee or the Securities Administrator or to the Master Servicer, the Securities Administrator and the Trustee by the Holders of not less than 25% of the Class Principal Amount (or Class Notional Amount) of each Class of Certificates affected thereby;

 

(ii)           Any failure on the part of the Master Servicer duly to observe or perform in any material respect any other of the covenants or agreements (other than those referred to in (vii) and (viii) below) on the part of the Master Servicer contained in this Agreement which continues unremedied for a period of 30 days after the date on which written notice of such failure, requiring the same to be remedied, shall have been given to the Master Servicer by the Trustee or the Securities Administrator, or to the Master Servicer, the Securities Administrator and the Trustee by the Holders of more than 50% of the Aggregate Voting Interests of the Certificates (or in the case of a breach of its obligation to provide an Item 1123 Certificate, an Assessment of Compliance or an Accountant’s Attestation pursuant to Sections 6.22, 6.23 and 6.24, immediately without a cure period);

(iii)          A decree or order of a court or agency or supervisory authority having jurisdiction for the appointment of a conservator or receiver or liquidator in any insolvency, readjustment of debt, marshalling of assets and liabilities or similar proceedings, or for the winding-up or liquidation of its affairs, shall have been entered against the Master Servicer, and such decree or order shall have remained in force undischarged or unstayed for a period of 60 days or the Rating Agency reduces or withdraws or threatens to reduce or withdraw the rating of the Certificates because of the financial condition or loan servicing capability of such Master Servicer;

(iv)          The Master Servicer shall consent to the appointment of a conservator or receiver or liquidator in any insolvency, readjustment of debt, marshalling of assets and liabilities, voluntary liquidation or similar proceedings of or relating to the Master Servicer or of or relating to all or substantially all of its property;

(v)           The Master Servicer shall admit in writing its inability to pay its debts generally as they become due, file a petition to take advantage of any applicable insolvency or reorganization statute, make an assignment for the benefit of its creditors or voluntarily suspend payment of its obligations;

(vi)          The Master Servicer shall be dissolved, or shall dispose of all or substantially all of its assets, or consolidate with or merge into another entity or shall permit another entity to consolidate or merge into it, such that the resulting entity does not meet the criteria for a successor servicer as specified in Section 9.05 hereof;

  

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(vii)         If a representation or warranty set forth in Section 9.03 hereof shall prove to be incorrect as of the time made in any respect that materially and adversely affects the interests of the Certificateholders, and the circumstance or condition in respect of which such representation or warranty was incorrect shall not have been eliminated or cured within 30 days after the date on which written notice of such incorrect representation or warranty shall have been given to the Master Servicer by the Trustee or the Securities Administrator, or to the Master Servicer, the Securities Administrator and the Trustee by the Holders of more than 50% of the Aggregate Voting Interests of the Certificates;

(viii)        A sale or pledge of any of the rights of the Master Servicer hereunder or an assignment of this Agreement by the Master Servicer or a delegation of the rights or duties of the Master Servicer hereunder shall have occurred in any manner not otherwise permitted hereunder and without the prior written consent of the Trustee and Certificateholders holding more than 50% of the Aggregate Voting Interests of the Certificates;

(ix)           The purchase or holding of any Certificates by the Master Servicer or any master servicer transferee that is an insured depository institution (as such term is defined in the Federal Deposit Insurance Act) such that the Master Servicer or such master servicer transferee is required to consolidate any assets of the issuing entity on its financial statements under U.S. generally accepted accounting principles;

(x)            Any failure of the Master Servicer to make any Advances when such Advances are due, which failure continues unremedied for a period of one Business Day.

If an Event of Default described in clauses (i) through (ix) of this Section shall occur, then, in each and every case, subject to applicable law, so long as any such Event of Default shall not have been remedied within any period of time as prescribed by this Section, the Trustee, by notice in writing to the Master Servicer may, and, if so directed in writing by Certificateholders evidencing either (i) more than 50% of the Class Principal Amount (or Class Notional Amount) of each Class of Certificates, or (ii) 50% of the aggregate Class Principal Amount of the Subordinate Certificates, or upon the occurrence of an Event of Default described in clause (x) of this Section, shall, terminate all of the rights and obligations of the Master Servicer hereunder and in and to the Mortgage Loans and the proceeds thereof; provided, however, that in the case of the preceding clause (ii), the Trustee shall provide written notice to all of the Certificateholders within two Business Days of receiving such direction and shall not terminate the Master Servicer if, within 30 days of sending such written notice, the Trustee has received contrary instructions from Certificateholders evidencing more than 50% of the Aggregate Voting Interests of the Certificateholders.  On or after the receipt by the Master Servicer of such written notice, all authority and power of the Master Servicer, and only in its capacity as Master Servicer under this Agreement, whether with respect to the Mortgage Loans or otherwise, shall pass to and be vested in the Trustee; and the Trustee is hereby authorized and empowered to execute and deliver, on behalf of the defaulting Master Servicer as attorney-in-fact or otherwise, any and all documents and other instruments, and to do or accomplish all other acts or things necessary or appropriate to effect the purposes of such notice of termination, whether to complete the transfer and endorsement or assignment of the Mortgage Loans and related documents or otherwise. The defaulting Master Servicer agrees to cooperate with the Trustee and the Securities Administrator in effecting the termination of the defaulting Master Servicer’s responsibilities and rights hereunder as Master Servicer including, without limitation, notifying Servicers of the assignment of the master servicing function and providing the Trustee or its designee all documents and records in electronic or other form reasonably requested by it to enable the Trustee or its designee to assume the defaulting Master Servicer’s functions hereunder and the transfer to the Trustee for administration by it of all amounts which shall at the time be or should have been deposited by the defaulting Master Servicer in the Distribution Account and any other account or fund maintained with respect to the Certificates or thereafter received with respect to the Mortgage Loans. The Master Servicer being terminated pursuant to this Section 6.14 shall bear all costs of a master servicing transfer, including but not limited to those of the Trustee or Securities Administrator reasonably allocable to specific employees and overhead, legal fees and expenses, accounting and financial consulting fees and expenses, and costs of amending this Agreement, if necessary.  If the same Person is acting as both the Securities Administrator and the Master Servicer, then the Trustee shall direct the Depositor to remove the Securities Administrator in accordance with the provisions of Section 6.06(b), and the Depositor promptly upon such direction shall remove the Securities Administrator in accordance therewith.

  

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Notwithstanding the termination of its activities as Master Servicer, each terminated Master Servicer shall continue to be entitled to reimbursement under this Agreement to the extent such reimbursement relates to the period prior to such Master Servicer’s termination.  The successor master servicer shall not be required to purchase or reimburse the terminated Master Servicer's Advance receivables.  For the avoidance of doubt, to the extent that the terminated Master Servicer and a successor master servicer have each made Advances in respect of the same Mortgage Loan, recovered amounts shall be used to reimburse the terminated Master Servicer and a successor master servicer in the order in which such Advances were made.

     

When a Responsible Officer of the Trustee has actual knowledge of the occurrence of an Event of Default, the Trustee shall promptly notify the Securities Administrator and the Rating Agency through the  Rule 17g-5 Information Provider of the nature and extent of such Event of Default. The Trustee or the Securities Administrator shall promptly give written notice to the Master Servicer upon the Master Servicer’s failure to make Advances as required under this Agreement.

     

(b)           On and after the time the Master Servicer receives a notice of termination from the Trustee pursuant to Section 6.14(a) or the Trustee receives the written resignation of the Master Servicer pursuant to Section 9.06, the Trustee, unless, in either case,  another master servicer shall have been appointed by the Trustee, shall be the successor in all respects to the Master Servicer in its capacity as such under this Agreement and with respect to the transactions set forth or provided for herein and shall have all the rights and powers and be subject to all the responsibilities, duties and liabilities relating thereto and arising thereafter placed on the Master Servicer hereunder, including the obligation to make Advances in accordance with Section 5.04; provided, however, that any failure to perform such duties or responsibilities caused by the Master Servicer’s failure to provide information required by this Agreement shall not be considered a default by the Trustee hereunder. The Trustee shall have no responsibility for any act or omission of the Master Servicer other than any act or omission performed by the Trustee in its capacity as a successor master servicer. In addition, the Trustee shall have no liability relating to the representations and warranties of the Master Servicer set forth in Section 9.03. In the Trustee’s capacity as successor master servicer, the Trustee shall have the same limitations on liability herein granted to the Master Servicer. As compensation for acting as successor master servicer hereunder, the Trustee shall be entitled to receive all compensation payable to the Master Servicer under this Agreement, including the Master Servicing Fee, subject to Section 6.14(d).

(c)           Notwithstanding the above, the Trustee may, if it shall be unwilling to continue to so act, or shall, if it is unable to so act, petition a court of competent jurisdiction to appoint, or appoint on its own behalf any established housing and home finance institution servicer, master servicer, servicing or mortgage servicing institution having a net worth of not less than $15,000,000, which is a Fannie Mae or Freddie Mac-approved master servicer, and meeting such other standards for a successor master servicer as are set forth in this Agreement, as the successor to such Master Servicer in the assumption of all of the responsibilities, duties and liabilities of a master servicer, like the Master Servicer. Any entity designated by the Trustee as a successor master servicer may be an Affiliate of the Trustee; provided, however, that, unless such Affiliate meets the net worth requirements and other standards set forth herein for a successor master servicer, the Trustee, in its individual capacity, shall agree, at the time of such designation, to be and remain liable to the Trust Fund for such Affiliate’s actions and omissions in performing its duties hereunder.

  

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The Trustee and such successor shall take such actions, consistent with this Agreement, as shall be necessary to effectuate any such succession and may make other arrangements with respect to the master servicing to be conducted hereunder which are not inconsistent herewith. The Master Servicer shall cooperate with the Trustee and any successor master servicer in effecting the termination of the Master Servicer’s responsibilities and rights hereunder including, without limitation, notifying Mortgagors of the assignment of the master servicing functions and providing the Trustee and successor master servicer, as applicable, all documents and records in electronic or other form reasonably requested by it to enable it to assume the Master Servicer’s functions hereunder and transferring to the Trustee or such successor master servicer, as applicable, all amounts which shall at the time be or which should have been deposited by the Master Servicer in the Distribution Account and any other account or fund maintained with respect to the Certificates or thereafter be received with respect to the Mortgage Loans. Neither the Trustee nor any other successor master servicer shall be deemed to be in default hereunder by reason of any failure to make, or any delay in making, any distribution hereunder or any portion thereof caused by (i) the failure of the predecessor master servicer to deliver, or any delay in delivering, cash, documents or records to it, (ii) the failure of the predecessor master servicer to cooperate as required by this Agreement, (iii) the failure of the predecessor master servicer to deliver the Mortgage Loan data to the Securities Administrator as required by this Agreement or (iv) restrictions imposed by any regulatory authority having jurisdiction over the predecessor master servicer. No successor master servicer (other than the Trustee, with respect to the failure of the Trustee to cooperate as set forth in subclause (ii) below) shall be deemed to be in default hereunder by reason of any failure to make, or any delay in making, any distribution hereunder or any portion thereof caused by (i) the failure of the Securities Administrator to deliver, or any delay in delivering cash, documents or records to it related to such distribution, or (ii) the failure of Trustee or the Securities Administrator to cooperate as required by this Agreement.

Any successor master servicer shall execute and deliver to the Depositor, the Seller and the predecessor master servicer the certification required pursuant to the first sentence of Section 6.20(e).

(d)           In connection with such appointment and assumption of a successor master servicer, the Trustee may make such arrangements for the compensation of such successor out of payments on Mortgage Loans as it and such successor shall agree; provided, however, that no such compensation shall be in excess of that permitted to the Master Servicer hereunder. 

(e)           To the extent that the costs and expenses incurred by the Trustee in connection with any alleged or actual default by the Master Servicer, the termination of the Master Servicer, any appointment of a successor master servicer and/or any transfer and assumption of master servicing by the Trustee or any successor master servicer (including, without limitation, (i) all legal costs and expenses and all due diligence costs and expenses associated with the investigation of any alleged or actual default by the Master Servicer, the evaluation of the potential termination and/or the actual termination of the Master Servicer and the appointment of a successor master servicer and (ii) all Master Servicing Transfer Costs) are not fully and timely reimbursed by the terminated master servicer, then (a) the successor master servicer shall deduct such amounts from any amounts that it otherwise would have paid to the predecessor master servicer in reimbursement of outstanding Advances, and the successor master servicer shall reimburse itself and the Trustee for any unreimbursed costs and expenses, and (b) if the Trustee is not required to be reimbursed by the Master Servicer or if such costs and expenses are not satisfied pursuant to clause (a) within 90 days, then the Trustee and the successor master servicer shall be entitled to reimbursement of such costs and expenses from the Distribution Account, subject to the limitations described in clause (C) of the definition of Available Distribution Amount.

Section 6.15                    Additional Remedies of Trustee Upon Event of Default. 

 

During the continuance of any Event of Default, so long as such Event of Default shall not have been remedied, the Trustee, in addition to the rights specified in Section 6.14, shall have the right, in its own name and as trustee of the Trust Fund, to take all actions now or hereafter existing at law, in equity or by statute to enforce its rights and remedies and to protect the interests, and enforce the rights and remedies, of the Certificateholders (including the institution and prosecution of all judicial, administrative and other proceedings and the filing of proofs of claim and debt in connection therewith). Except as otherwise expressly provided in this Agreement, no remedy provided for by this Agreement shall be exclusive of any other remedy, and each and every remedy shall be cumulative and in addition to any other remedy, and no delay or omission to exercise any right or remedy shall impair any such right or remedy or shall be deemed to be a waiver of any Event of Default. 

  

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Section 6.16                    Waiver of Defaults. 

 

More than 50% of the Aggregate Voting Interests of the Certificateholders may waive any event of default of a Servicer under the related Servicing Agreement or Event of Default by the Master Servicer in the performance of its obligations hereunder, except that a default in the making of any Advances or any required deposit to the Distribution Account that would result in a failure of the Paying Agent to make any required payment of principal of or interest on the Certificates may only be waived with the consent of 100% of the Certificateholders.  Upon any such waiver of a past default, such default shall cease to exist, and any event of default under a Servicing Agreement or Event of Default hereunder arising therefrom shall be deemed to have been remedied for every purpose of the related Servicing Agreement and/or this Agreement, as applicable.  No such waiver shall extend to any subsequent or other default or impair any right consequent thereon except to the extent expressly so waived. 

 

Section 6.17                    Notification to Holders. 

 

Upon termination of the Master Servicer or appointment of a successor to the Master Servicer, in each case as provided herein, the Trustee (i) so long as the Master Servicer and the Securities Administrator are not the same Person, shall promptly notify the Securities Administrator in writing, and (ii) shall promptly mail notice thereof by first class mail to the Certificateholders at their respective addresses appearing on the Certificate Register.  The Trustee shall also, within 45 days after the date when a Responsible Officer of the Trustee has actual knowledge of the occurrence of any Event of Default, give written notice thereof to the Securities Administrator and the Certificateholders, unless such Event of Default shall have been cured or waived prior to the issuance of such notice and within such 45-day period.

  

Section 6.18                    Directions by Certificateholders and Duties of Trustee During Event of Default. 

 

Subject to the provisions of Sections 6.16 and 8.01 hereof, during the continuance of any Event of Default, Holders of Certificates evidencing not less than 25% of the Class Principal Amount (or Percentage Interest) of each Class of Certificates affected thereby may direct the time, method and place of conducting any proceeding for any remedy available to the Trustee, or exercising any trust or power conferred upon the Trustee, under this Agreement; provided, however, that the Trustee shall be under no obligation to pursue any such remedy, or to exercise any of the trusts or powers vested in it by this Agreement (including, without limitation, (i) the conducting or defending of any administrative action or litigation hereunder or in relation hereto and (ii) the terminating of the Master Servicer or any successor master servicer from its rights and duties as Master Servicer hereunder) at the request, order or direction of any of the Certificateholders, unless such Certificateholders shall have offered to the Trustee reasonable security or indemnity against the cost, expenses and liabilities which may be incurred therein or thereby; and, provided further, that, subject to the provisions of Section 8.01, the Trustee shall have the right to decline to follow any such direction if the Trustee, in accordance with an Opinion of Counsel, (a) determines that the action or proceeding so directed may not lawfully be taken or (b) in good faith determines that the action or proceeding so directed would involve it in personal liability for which it is not indemnified to its satisfaction or be unjustly prejudicial to the non-assenting Certificateholders. 

 

Section 6.19                    Action Upon Certain Failures of the Master Servicer and Upon Event of Default.

In the event that a Responsible Officer of the Trustee shall have actual knowledge of any action or inaction of the Master Servicer that would become an Event of Default upon the Master Servicer’s failure to remedy the same after notice, the Trustee shall give prompt written notice thereof to the Master Servicer.

  

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Section 6.20                    Preparation of Tax Returns and Other Reports.

 

(a)           The Securities Administrator shall prepare or cause to be prepared on behalf of the Trust Fund, based upon information calculated in accordance with this Agreement pursuant to instructions given by the Depositor, and the Securities Administrator shall file federal tax returns, all in accordance with Article X hereof.  If the Securities Administrator is notified in writing that a state tax return or other return is required, then, at the sole expense of the Trust Fund, the Securities Administrator shall prepare and file such state income tax returns and such other returns as may be required by applicable law relating to the Trust Fund, and, if required by state law, and shall file any other documents to the extent required by applicable state tax law (to the extent such documents are in the Securities Administrator’s possession).  The Securities Administrator shall forward copies to the Depositor of all such returns and Form 1099 supplemental tax information and such other information within the control of the Securities Administrator as the Depositor may reasonably request in writing, and shall distribute to each Certificateholder such forms and furnish such information within the control of the Securities Administrator as are required by the Code and the REMIC Provisions to be furnished to them, and will prepare and distribute to Certificateholders Form 1099 (supplemental tax information) (or otherwise furnish information within the control of the Securities Administrator) to the extent required by applicable law.  The Master Servicer will indemnify the Securities Administrator and the Trustee for any liability of or assessment against the Securities Administrator and the Trustee, as applicable, resulting from any error in any of such tax or information returns directly resulting from errors in the information provided by such Master Servicer.  

 

(b)           The Securities Administrator shall prepare and file with the Internal Revenue Service (“IRS”), on behalf of the Trust Fund and each REMIC created hereunder, an application for an employer identification number on IRS Form SS-4 or by any other acceptable method.  The Securities Administrator shall also file a Form 8811 as required.  The Securities Administrator, upon receipt from the IRS of the Notice of Taxpayer Identification Number Assigned, shall upon request promptly forward a copy of such notice to the Depositor.  The Securities Administrator shall furnish any other information that is required by the Code and regulations thereunder to be made available to the Certificateholders.  The Master Servicer shall cause each Servicer to provide the Securities Administrator with such information as is necessary for the Securities Administrator to prepare such reports.

 

Section 6.21                    Reporting to the Commission.

 

Each of Form 10-D and Form 10-K requires the registrant to indicate (by checking “yes” or “no”) that it “(1) has filed all reports required to be filed by Section 13 or 15(d) of the Exchange Act during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.”  The Depositor hereby represents to the Securities Administrator that the Depositor has filed all such required reports during the preceding 12 months and that it has been subject to such filing requirement for the past 90 days.  The Depositor shall notify the Securities Administrator in writing, no later than the fifth calendar day after the related Distribution Date with respect to the filing of a report on Form 10-D and no later than March 15th with respect to the filing of a report on Form 10-K, if the answer to the questions should be “no.”  The Securities Administrator shall be entitled to rely on such representations in preparing and/or filing any such report.

 

(a)           Reports Filed on Form 10-D.

 

(i)            Within 15 days after each Distribution Date (subject to permitted extensions under the Exchange Act), the Securities Administrator shall prepare and file on behalf of the Trust Fund any Form 10-D required by the Exchange Act, in form and substance as required by the Exchange Act.  The Securities Administrator shall file each Form 10-D with a copy of the related Distribution Date Statement attached thereto.  Any disclosure in addition to the Distribution Date Statement that is required to be included on Form 10-D (“Additional Form 10-D Disclosure”) shall be reported by the parties set forth on Exhibit L hereto to the Depositor and the Securities Administrator and reviewed and approved or disapproved by the Depositor pursuant to the following paragraph and the Securities Administrator will have no duty or liability for any failure hereunder to determine or prepare any Additional Form 10-D Disclosure, except as set forth in the next paragraph.

  

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(ii)           As set forth on Exhibit L hereto, within 5 calendar days after the related Distribution Date, (1) the parties set forth thereon shall be required to provide to the Securities Administrator (at cts.sec.notifications@wellsfargo.com, with a copy by facsimile to 410-715-2380) and the Depositor, to the extent known by a Responsible Officer thereof, in EDGAR-compatible form, or in such other form as otherwise agreed upon by the Securities Administrator and such party, the form and substance of any Additional Form 10-D Disclosure, if applicable together with an additional disclosure notification in the form of Exhibit I hereto (an “Additional Disclosure Notification”) and (2) the Depositor will approve, as to form and substance, or disapprove, as the case may be, the inclusion of the Additional Form 10-D Disclosure on Form 10-D.  The Depositor will be responsible for any reasonable fees and expenses assessed or incurred by the Securities Administrator in connection with including any Additional Form 10-D Disclosure on Form 10-D pursuant to this paragraph.

(iii)          After preparing the Form 10-D, the Securities Administrator shall forward electronically a copy of the Form 10-D to the Depositor for review.  The Securities Administrator will provide a copy of the Form 10-D to the Depositor by the 11th calendar day after the related Distribution Date. On the 12th calendar day after the related Distribution Date, the Depositor will provide any changes or approval to the Securities Administrator (which may be furnished electronically).  In the absence of receipt of any written changes or approval, the Securities Administrator shall be entitled to assume that such Form 10-D is in final form and the Securities Administrator may proceed with the filing of the Form 10-D.  No later than the 13th calendar day after the related Distribution Date, a duly authorized representative of the Depositor shall sign the Form 10-D and return an electronic or fax copy of such signed Form 10-D (with an original executed hard copy to follow by overnight mail) to the Securities Administrator.  If a Form 10-D cannot be filed on time or if a previously filed Form 10-D needs to be amended, the Securities Administrator will follow the procedures set forth in subsection (d)(ii) of this Section 6.21.  Promptly (but no later than 1 Business Day) after filing with the Commission, the Securities Administrator will make available on its internet website a final executed copy of each Form 10-D prepared and filed by the Securities Administrator.  Each party to this Agreement acknowledges that the performance by the Securities Administrator of its duties under this Section 6.21(a) related to the timely preparation and filing of Form 10-D is contingent upon such parties strictly observing all applicable deadlines in the performance of their duties.  The Securities Administrator shall not have any liability for any loss, expense, damage or claim arising out of or with respect to any failure to properly prepare, execute and/or timely file such Form 10-D, where such failure results from the Securities Administrator’s inability or failure to obtain or receive, on a timely basis, any information from any other party needed to prepare, arrange for execution or file such Form 10-D, not resulting from its own negligence, bad faith or willful misconduct.

(b)           Reports Filed on Form 10-K.

 

(i)            On or prior to the 90th day after the end of each fiscal year of the Trust Fund or such earlier date as may be required by the Exchange Act (the “10-K Filing Deadline”) (it being understood that the fiscal year for the Trust Fund ends on December 31st of each year), commencing in March 2012, the Securities Administrator shall prepare and file on behalf of the Trust Fund any Form 10-K required by the Exchange Act, in form and substance as required by the Exchange Act.  Each such Form 10-K shall include the following items, in each case to the extent they have been delivered to the Securities Administrator within the applicable time frames set forth in this Agreement, the Custodial Agreement and the related Servicing Agreement, (1) the Item 1123 Certificate for each Servicer, each Additional Servicer, the Master Servicer and the Securities Administrator as described under Section 6.22, (2)(A) the Assessment of Compliance with servicing criteria for each Servicer, the Custodian, each Servicing Function Participant, the Master Servicer, the Securities Administrator and any Servicing Function Participant engaged by such parties (each, a “Reporting Servicer”), as described under Section 6.23 and the Custodial Agreement and (B) if any Reporting Servicer’s Assessment of Compliance identifies any material instance of noncompliance, disclosure identifying such instance of noncompliance, or if any Reporting Servicer’s Assessment of Compliance is not included as an exhibit to such Form 10-K, disclosure that such report is not included and an explanation why such report is not included, (3)(A) the Accountant’s Attestation for each Reporting Servicer, as described under Section 6.24 and (B) if any Accountant’s Attestation identifies any material instance of noncompliance, disclosure identifying such instance of noncompliance, or if any such Accountant’s Attestation is not included as an exhibit to such Form 10-K, disclosure that such report is not included and an explanation why such report is not included, and (4) the certification required under Rule 13a-14(d) and 15d-14(d) under the Exchange Act executed by the Depositor (provided, however, that the Securities Administrator, at its discretion, may omit from the Form 10-K any annual compliance statement, Assessment of Compliance or Accountant’s Attestation that is not required to be filed with such Form 10-K pursuant to Regulation AB). Any disclosure or information in addition to (1) through (4) above that is required to be included on Form 10-K (“Additional Form 10-K Disclosure”) shall be reported by the parties set forth on Exhibit M hereto to the Depositor and the Securities Administrator and reviewed and approved or disapproved by the Depositor pursuant to the following paragraph and the Securities Administrator will have no duty or liability for any failure hereunder to determine or prepare any Additional Form 10-K Disclosure, except as set forth in the next paragraph.

  

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(ii)           As set forth on Exhibit M hereto, no later than March 15 following each fiscal year that the Trust Fund is subject to the Exchange Act reporting requirements, commencing in March 2012, (1) the parties set forth on Exhibit M shall be required to provide to the Securities Administrator (at cts.sec.notifications@wellsfargo.com with a copy by facsimile to 410-715-2380) and the Depositor, to the extent known by a Responsible Officer thereof, a notice in the form of Exhibit I hereto, along with, in EDGAR-compatible form, or in such other form as otherwise agreed upon by the Securities Administrator and such party, the form and substance of any Additional Form 10-K Disclosure, if applicable, together with any applicable Additional Disclosure Notification and (2) the Depositor will approve, as to form and substance, or disapprove, as the case may be, the inclusion of the Additional Form 10-K Disclosure or information in the Additional Disclosure Notification on Form 10-K.  The Depositor will be responsible for any reasonable fees and expenses assessed or incurred by the Securities Administrator in connection with including any Additional Form 10-K Disclosure or information from the Additional Disclosure Notification in  Form 10-K pursuant to this paragraph.

(iii)          After preparing the Form 10-K, the Securities Administrator shall forward electronically a copy of the Form 10-K to the Depositor for review. Within three (3) business days of receipt, but in no event later than March 25, the Depositor shall notify the Securities Administrator in writing (which may be furnished electronically) of any changes to or approval of such Form 10-K.  In the absence of any written changes or approval, the Securities Administrator shall be entitled to assume that such Form 10-K is in final form.  No later than the close of business on the 4th Business Day prior to the 10-K Filing Deadline, a senior officer in charge of securitization of the Depositor shall sign the Form 10-K and related certifications required under the Exchange Act and return an electronic or fax copy of such documents  (with an original executed hard copy to follow by overnight mail) to the Securities Administrator.  If a Form 10-K cannot be filed on time or if a previously filed Form 10-K needs to be amended, the Securities Administrator will follow the procedures set forth in Section 6.21(d).  Promptly (but no later than 1 Business Day) after filing with the Commission, the Securities Administrator will make available on its internet website a final executed copy of each Form 10-K prepared and filed by the Securities Administrator.  The parties to this Agreement acknowledge that the performance by the Securities Administrator of its duties under this Section 6.21(b) related to the timely preparation and filing of Form 10-K is contingent upon such parties (and the Custodian, the Servicers and any Additional Servicer or Servicing Function Participant) strictly observing all applicable deadlines in the performance of their duties.  The Securities Administrator shall not have any liability for any loss, expense, damage or claim arising out of or with respect to any failure to properly prepare and/or timely file such Form 10-K, where such failure results from the Securities Administrator’s inability or failure to obtain or receive, on a timely basis, any information from any other party needed to prepare, arrange for execution or file such Form 10-K, not resulting from its own negligence, bad faith or willful misconduct.

  

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(c)           Reports Filed on Form 8-K.

 

(i)            Within four (4) Business Days after the occurrence of an event requiring disclosure on Form 8-K (each such event, a “Reportable Event”), and if requested by the Depositor, the Securities Administrator shall prepare and file on behalf of the Trust Fund any Form 8-K, as required by the Exchange Act, provided that the Depositor shall file the initial Form 8-K in connection with the issuance of the Certificates.  Any disclosure or information related to a Reportable Event or that is otherwise required to be included on Form 8-K (“Form 8-K Disclosure Information”) shall be reported by the parties set forth on Exhibit N hereto to the Depositor and the Securities Administrator and reviewed and approved or disapproved by the Depositor pursuant to the following paragraph and the Securities Administrator will have no duty or liability for any failure hereunder to determine or prepare any Form 8-K Disclosure Information or any Form 8-K, except as set forth in the next paragraph.

(ii)           As set forth on Exhibit N hereto, for so long as the Trust Fund is subject to the Exchange Act reporting requirements, no later than the end of business (New York City time) on the 2nd Business Day after the occurrence of a Reportable Event (1) the parties to this transaction shall be required to provide to the Securities Administrator (at cts.sec.notifications@wellsfargo.com with a copy by facsimile to 410-715-2380) and the Depositor, to the extent known by a Responsible Officer thereof, a notice in the form of Exhibit I attached hereto, along with, in EDGAR-compatible form, or in such other form as otherwise agreed upon by the Securities Administrator and such party, the form and substance of any Form 8-K Disclosure Information, if applicable, together with an Additional Disclosure Notification and (2) the Depositor will approve, as to form and substance, or disapprove, as the case may be, the inclusion of the Form 8-K Disclosure Information.  The Depositor will be responsible for any reasonable fees and expenses assessed or incurred by the Securities Administrator in connection with including any Form 8-K Disclosure Information on Form 8-K pursuant to this paragraph.  The Securities Administrator has no duty under this Agreement to monitor or enforce the performance by the parties listed in Exhibit N of their duties under this paragraph and will not solicit from such parties any Form 8-K Disclosure Notification.

 

(iii)          After preparing the Form 8-K, the Securities Administrator shall forward electronically a copy of the Form 8-K to the Depositor for review. Promptly, but no later than the close of business on the 3rd Business Day after the Reportable Event, the Depositor shall notify the Securities Administrator in writing (which may be furnished electronically) of any changes to or approval of such Form 8-K. In the absence of receipt of any written changes or approval, the Securities Administrator shall be entitled to assume that such Form 8-K is in final form and the Securities Administrator may proceed with the filing of the Form 8-K. No later than noon (New York City time) on the 4th Business Day after the Reportable Event, a duly authorized officer of the Depositor shall sign the Form 8-K and return an electronic or fax copy of such signed Form 8-K (with an original executed hard copy to follow by overnight mail) to the Securities Administrator. If a Form 8-K cannot be filed on time or if a previously filed Form 8-K needs to be amended, the Securities Administrator will follow the procedures set forth in Section 6.21(d). Promptly (but no later than 1 Business Day) after filing with the Commission, the Securities Administrator will make available on its internet website a final executed copy of each Form 8-K prepared and filed by the Securities Administrator. The parties to this Agreement acknowledge that the performance by the Securities Administrator of its duties under this Section 6.21(c) related to the timely preparation and filing of Form 8-K is contingent upon such parties strictly observing all applicable deadlines in the performance of their duties. The Securities Administrator shall not have any liability for any loss, expense, damage or claim arising out of or with respect to any failure to properly prepare and/or timely file such Form 8-K, where such failure results from the Securities Administrator’s inability or failure to obtain or receive, on a timely basis, any information from any other party hereto needed to prepare, arrange for execution or file such Form 8-K, not resulting from its own negligence, bad faith or willful misconduct.

(d)           Delisting; Amendments; Late Filings.

 

(i)            If the Depositor determines that the requirements for suspension of  the Trust Fund’s Exchange Act reporting requirements set forth in Rule 15d-22(b) of the Exchange Act and  any other applicable regulation are satisfied, it shall so notify the Securities Administrator.  Following receipt of such notice, the Securities Administrator shall prepare and file a Form 15 Suspension Notification with respect to the Trust Fund under the Exchange Act (a “Form 15”).  Subsequent to the filing of a Form 15, if the Depositor determines that the Trust Fund has once again become subject to the Exchange Act reporting requirements, then it shall promptly notify the Securities Administrator, and the Securities Administrator shall recommence preparing and filing required Exchange Act reports.  Prior to January 30 of the following calendar year, the Securities Administrator shall, if directed to do so by the Depositor, in accordance with industry standards, prepare and file a Form 15.

  

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In connection with any direct offering of Certificates by the Depositor, in an offering registered with the Commission, subsequent to the filing of a Form 15 pursuant to the preceding paragraph: (1) the Depositor shall notify the Securities Administrator in writing not less than 10 days prior to the date on which such offering will be made; (2) the Depositor shall cause to be prepared and filed the initial current report on Form 8-K required to be filed in connection with such offering; (3) the Securities Administrator, as directed by the Depositor, shall file a report on Form 10-D for the Distribution Date following the month in which such offering occurs and, thereafter, any reports on forms 8-K, 10-K and 10-D in respect of the Trust Fund as and to the extent required under the Exchange Act, as set forth in this Section (other than the report referred to in clause (2) above); (4) the Depositor shall be responsible for notifying the other parties to the transaction of such offering and that the obligations of such parties to provide information in connection with the Depositor’s  Exchange Act reporting requirements have been reinstated; and (5) the Depositor shall be responsible for all reasonable fees and expenses incurred by the Securities Administrator in connection with such offering, including its review and approval of any offering document and any amendment to any transaction document made in connection with such offering.

(ii)           In the event that the Securities Administrator is unable to timely file with the Commission all or any required portion of any Form 8-K, 10-D or 10-K required to be filed by this Agreement because required disclosure information was either not delivered to it or delivered to it after the delivery deadlines set forth in this Agreement or for any other reason, the Securities Administrator will promptly, but no later than within one Business Day, notify electronically the Depositor.  In the case of Form 10-D and 10-K, the parties to this Agreement will cooperate to prepare and file a Form 12b-25 and a 10-D/A or 10-K/A, as applicable, pursuant to Rule 12b-25 of the Exchange Act.  In the case of Form 8-K, the Securities Administrator will, upon receipt of all required Form 8-K Disclosure Information and upon the approval and direction of the Depositor, include such disclosure information on the next Form 10-D.  In the event that any previously filed Form 8-K, 10-D or 10-K needs to be amended to include additional disclosure in connection with any additional Form 10-D disclosure (other than for the purpose of restating any Distribution Date Statement), additional Form 10-K or Form 8-K disclosure information, the Securities Administrator will electronically notify the Depositor and the affected parties and the Securities Administrator shall prepare and file, and such parties will cooperate in the preparation and filing of any necessary Form 8-K/A, 10-D/A or 10-K/A.  Any Form 15, Form 12b-25 or any amendment to Form 8-K, 10-D or 10-K shall be signed by a senior officer in charge of securitization of the Depositor.  The parties to this Agreement acknowledge that the performance by the Securities Administrator of its duties under this Section 6.21(d) related to the timely preparation and filing of a Form 12b-25 or any amendment to Form 8-K, 10-D or 10-K is contingent upon each such party performing its duties under this Section.  The Securities Administrator shall have no liability for any loss, expense, damage or claim arising out of or with respect to any failure to properly prepare and/or timely file any such Form 15, Form 12b-25 or any amendments to Forms 8-K, 10-D or 10-K, where such failure results from the Securities Administrator’s inability or failure to obtain or receive, on a timely basis, any information from any other party needed to prepare, arrange for execution or file such Form 15, Form 12b-25 or any amendments to Forms 8-K, 10-D or 10-K, not resulting from its own negligence, bad faith or willful misconduct.

 

Notwithstanding anything to the contrary herein, the Securities Administrator shall not file any Form 8-K, Form 10-D or Form 10-K as to which it has received from the Depositor a notice to the effect that, upon review of the proposed filing, the Depositor does not approve of such filing.

  

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(e)           Sarbanes-Oxley Certification Back-up.

In connection with the annual certification to be delivered by the Depositor pursuant to Rules 13a-14d and 15d-14(d) of the Exchange Act, each Servicer, pursuant to the applicable Servicing Agreement, the Master Servicer and the Securities Administrator shall provide, and each Servicer, pursuant to the applicable Servicing Agreement, the Master Servicer and the Securities Administrator shall cause any Servicing Function Participant engaged by it to provide, to the Depositor, by March 15 following each year in which the Trust Fund is subject to the reporting requirements of the Exchange Act and otherwise within a reasonable period of time upon request, a certification (each, a “Back-Up Certificate”), in the form attached hereto as Exhibit J (or in such other form attached to the applicable Servicing Agreement), upon which the Depositor and its officers, directors and Affiliates can reasonably rely.  In the event that a Servicer, the Master Servicer, the Securities Administrator or any Servicing Function Participant engaged by any such party is terminated or resigns pursuant to the terms of this Agreement, the applicable Servicing Agreement or any applicable sub-servicing agreement, as the case may be, such party shall provide a Back-Up Certificate to the Depositor pursuant to this Section 6.21(e) with respect to the period of time it was subject to this Agreement, the applicable Servicing Agreement or any applicable sub-servicing agreement, as the case may be.

The Master Servicer shall enforce any obligation of the Servicers, to the extent set forth in the related Servicing Agreement, to deliver to the Master Servicer the Back-Up Certificate as may be required pursuant to the related Servicing Agreement.

 

Section 6.22                    Annual Statements of Compliance.

 

(a)           The Master Servicer, the Securities Administrator and each Servicer shall deliver or otherwise make available (and the Master Servicer, the Securities Administrator and each Servicer shall cause any Additional Servicer engaged by it to deliver or otherwise make available) to the Depositor, the Trustee and the Securities Administrator on or before March 1 of each year, commencing in March 2012, an Officer’s Certificate (an “Item 1123 Certificate”) stating, as to the signer thereof, that (A) a review of such party’s activities during the preceding calendar year or portion thereof and of such party’s performance under this Agreement, or such other applicable agreement in the case of an Additional Servicer, has been made under such officer’s supervision and (B) to the best of such officer’s knowledge, based on such review, such party has fulfilled all its obligations under this Agreement, the Servicing Agreement or such other applicable agreement in the case of an Additional Servicer, in all material respects throughout such year or portion thereof, or, if there has been a failure to fulfill any such obligation in any material respect, specifying each such failure known to such officer and the nature and status thereof.  Promptly after receipt of each such Item 1123 Certificate, the Depositor shall review such Item 1123 Certificate and, if applicable, consult with each such party, as applicable, as to the nature of any failures by such party, in the fulfillment of any of such party’s obligations hereunder or, in the case of an Additional Servicer, under such other applicable agreement.

(b)           In the event the Master Servicer, the Securities Administrator or any Additional Servicer engaged by any such party is terminated or resigns pursuant to the terms of this Agreement, or any applicable agreement in the case of an Additional Servicer, as the case may be, such party shall provide an Item 1123 Certificate pursuant to this Section 6.22 or as required under such other applicable agreement, as the case may be, notwithstanding any such termination, assignment or resignation.

(c)           The Master Servicer shall enforce any obligation of any Servicer, to the extent set forth in the related Servicing Agreement, to deliver to the Master Servicer an Item 1123 Certificate as may be required pursuant to the related Servicing Agreement. The Master Servicer shall include such Item 1123 Certificate with its own Item 1123 Certificate to be submitted to the Securities Administrator, the Depositor and the Trustee pursuant to this Section.

Section 6.23                    Annual Assessments of Compliance.

(a)         On or before March 1 of each calendar year, commencing in March 2012, the Master Servicer and the Securities Administrator and each Servicer, each at its own expense, shall furnish or otherwise make available, and each such party shall cause any Servicing Function Participant engaged by it to furnish or otherwise make available, each at its own expense, to the Securities Administrator, the Trustee and the Depositor, a report on an assessment of compliance with the Relevant Servicing Criteria (an “Assessment of Compliance”) that contains (A) a statement by such party of its responsibility for assessing compliance with the Relevant Servicing Criteria, (B) a statement that such party used the Relevant Servicing Criteria to assess compliance with the Relevant Servicing Criteria, (C) such party’s Assessment of Compliance with the Relevant Servicing Criteria as of and for the fiscal year covered by the Form 10-K required to be filed pursuant to Section 6.21(b), including, if there has been any material instance of noncompliance with the Relevant Servicing Criteria, a discussion of each such failure and the nature and status thereof, and (D) a statement that a registered public accounting firm has issued an Accountant’s Attestation on such party’s Assessment of Compliance with the Relevant Servicing Criteria as of and for such period.

  

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(b)           No later than the end of each fiscal year for the Trust Fund for which a 10-K is required to be filed, each Servicer and the Master Servicer shall each forward to the Securities Administrator the name of each Servicing Function Participant engaged by it and what Relevant Servicing Criteria will be addressed in the Assessment of Compliance prepared by such Servicing Function Participant (provided, however, that the Master Servicer need not provide such information to the Securities Administrator so long as the Master Servicer and the Securities Administrator are the same Person). When the Master Servicer and each Servicer (or any Servicing Function Participant engaged by them) submit their Assessments of Compliance to the Securities Administrator, such parties will also at such time include the Assessments of Compliance (and Accountant’s Attestation), pursuant to Sections 6.23 and 6.24, of each Servicing Function Participant engaged by it.

(c)           Promptly after receipt of each Assessment of Compliance, (i) the Depositor shall review each such report and, if applicable, consult with the Master Servicer, the Securities Administrator, a Servicer, the Custodian and any Servicing Function Participant engaged by such parties as to the nature of any material instance of noncompliance with the Relevant Servicing Criteria by each such party, and (ii) the Securities Administrator shall confirm that the Assessments of Compliance, taken individually, address the Relevant Servicing Criteria for each party as set forth on Exhibit K or the applicable exhibit to each Servicing Agreement in respect of each Servicer and notify the Depositor of any exceptions.  

 

(d)           In the event the Master Servicer, the Securities Administrator or any Servicing Function Participant engaged by any such party is terminated, assigns its rights and obligations under or resigns pursuant to, the terms of this Agreement, or any other applicable agreement, as the case may be, such party shall provide an Assessment of Compliance pursuant to this Section 6.23, or to such other applicable agreement, notwithstanding any termination, assignment or resignation.

(e)           The Master Servicer shall enforce any obligation of the Servicers and the Custodian, to the extent set forth in the related Servicing Agreement or the Custodial Agreement, as applicable, to deliver to the Master Servicer an Assessment of Compliance within the time frame set forth in, and in such form and substance as may be required pursuant to, the related Servicing Agreement or the Custodial Agreement, as applicable.  The Master Servicer shall include all Assessments of Compliance received by it from the Servicers and the Custodian with its own Assessment of Compliance to be submitted to the Securities Administrator pursuant to this Section.

(f)            The obligations of each party to provide assessments of compliance and attestations under this Section 6.22 and Section 6.23 shall terminate upon the filing of a Form 15 suspension notice on behalf of the Trust Fund, but shall become effective after such a filing if the Trust Fund is required to continue to file reports under the Exchange Act as contemplated in Section 6.21(d)(i).

  

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Section 6.24                    Accountant’s Attestation.

 

(a)           On or before March 1 of each calendar year, commencing in 2012, the Master Servicer, the Securities Administrator and each Servicer, each at its own expense, shall cause, and each such party shall cause any Servicing Function Participant engaged by it to cause, each at its own expense, a registered public accounting firm (which may also render other services to the Master Servicer, the Securities Administrator, a Servicer or such other Servicing Function Participants, as the case may be) and that is a member of the American Institute of Certified Public Accountants to furnish a report (the “Accountant’s Attestation”) to the Securities Administrator and to the Depositor, to the effect that (i) it has obtained a representation regarding certain matters from the management of such party, which includes an assertion that such party has complied with the Relevant Servicing Criteria, and (ii) on the basis of an examination conducted by such firm in accordance with standards for attestation engagements issued or adopted by the PCAOB, it is expressing an opinion as to whether such party’s compliance with the Relevant Servicing Criteria was fairly stated in all material respects, or it cannot express an overall opinion regarding such party’s Assessment of Compliance with the Relevant Servicing Criteria.  In the event that an overall opinion cannot be expressed, such registered public accounting firm shall state in such report why it was unable to express such an opinion.  Such report must be available for general use and not contain restricted use language.

 

(b)           Promptly after receipt of each Accountant’s Attestation from the Master Servicer, each Servicer, the Securities Administrator, the Custodian or any Servicing Function Participant engaged by such parties, (i) the Depositor shall review such reports and, if applicable, consult with such parties as to the nature of any defaults by such parties, in the fulfillment of any of each such party’s obligations hereunder or under any other applicable agreement, and (ii) the Securities Administrator shall confirm that each Assessment of Compliance is coupled with an Accountant’s Attestation meeting the requirements of this Section and notify the Depositor of any exceptions.

 

(c)           The Master Servicer shall include each Accountant’s Attestation furnished to it by the Servicers and the Custodian with its own Accountant’s Attestation to be submitted to the Securities Administrator pursuant to this Section.

(d)           In the event the Master Servicer, the Securities Administrator, the Custodian, any Servicer or Servicing Function Participant engaged by any such party, is terminated, assigns its rights and duties under, or resigns pursuant to the terms of, this Agreement, the Custody Agreement or a Servicing Agreement, as the case may be, such party shall at its own expense cause a registered public accounting firm to provide an Accountant’s Attestation pursuant to this Section 6.24, or other applicable agreement, notwithstanding any such termination, assignment or resignation.

(e)           The Master Servicer shall enforce any obligation of the Servicers and the Custodian, to the extent set forth in the related Servicing Agreement and the Custodial Agreement, as applicable, to deliver to the Master Servicer an Assessment of Compliance within the timeframe set forth in, and in such form and substance as may be required pursuant to, the related Servicing Agreement or the Custodial Agreement, as applicable.  

 

Section 6.25                    Intention of the Parties and Interpretation; Indemnification.

 

Each of the parties acknowledges and agrees that the purpose of Sections 6.21, 6.22 and 6.23 of this Agreement is to facilitate compliance by the Depositor with the provisions of Regulation AB promulgated by the Commission under the Exchange Act (17 C.F.R. §§ 229.1100 - 229.1123), as such may be amended from time to time and subject to such clarification and interpretive advice as may be issued by the staff of the Commission from time to time.  Therefore, each of the parties agrees that (a) the obligations of the parties hereunder shall be interpreted in such a manner as to accomplish that purpose, (b) the parties’ obligations hereunder will be supplemented and modified as necessary to be consistent with any such amendments, interpretive advice or guidance, convention or consensus among active participants in the asset-backed securities markets, advice of counsel, or otherwise in respect of the requirements of Regulation AB, (c) each party shall comply with the reasonable requests made by the Depositor for delivery of such additional or different information as the Depositor may determine in good faith is necessary to comply with the provisions of Regulation AB, which information is available to such party without unreasonable effort or expense and within such timeframe as may be reasonably requested, and (d) no amendment of this Agreement shall be required to effect any such changes in the parties’ obligations as are necessary to accommodate evolving interpretations of the provisions of Regulation AB.

  

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Each of the Master Servicer, the Securities Administrator, the Custodian and any Servicing Function Participant engaged by any such party shall indemnify and hold harmless the Depositor and its Affiliates and each of their directors, officers, employees, agents, and affiliates from and against any and all claims, losses, damages, penalties, fines, forfeitures, reasonable legal fees and related costs, judgments and other costs and expenses arising out of or based upon (a) any breach by such party of any of its obligations hereunder, including particularly its obligations to provide any Statement of Compliance, Assessment of Compliance or Accountant’s Attestation required under Sections 6.22, 6.23 and 6.24, respectively, or any information, data or materials required to be included in any Exchange Act report or (b) any material misstatement or material omission in any Statement of Compliance, Assessment of Compliance, Accountant’s Attestation delivered by it or by any Servicing Function Participation engaged by it pursuant to this Agreement or any Additional Form 10-D Disclosure, Additional Form 10-K Disclosure or Form 8-K Disclosure concerning such party.  If the indemnification provided for herein is unavailable or insufficient to hold harmless the Depositor or its Affiliates, as the case may be, then each such party agrees that it shall contribute to the amount paid or payable by the Depositor and its Affiliates, as applicable, as a result of any claims, losses, damages or liabilities incurred by such party, in such proportion as is appropriate to reflect the relative fault of the indemnified party on the one hand and the indemnifying party on the other.  This indemnification shall survive the termination of this Agreement or the termination of any party to this Agreement.

ARTICLE VII

PURCHASE OF MORTGAGE LOANS AND TERMINATION OF THE TRUST FUND

 

Section 7.01                    Purchase of Mortgage Loans; Termination of Trust Fund Upon Purchase or Liquidation of All Mortgage Loans.

 

(a)           The respective obligations and responsibilities of the Trustee, the Securities Administrator and the Master Servicer created hereby (other than the obligation of the Securities Administrator to make payments to the Certificateholders as set forth in Section 7.02), shall terminate on the earliest of (i) the final payment or other liquidation of the last Mortgage Loan remaining in the Trust Fund and the disposition of all REO Property, (ii) the distribution of proceeds in connection with the exercise of the Clean-up Call and (iii) the Distribution Date immediately following the Latest Possible Maturity Date; provided, however, that in no event shall the Trust Fund created hereby continue beyond the expiration of 21 years from the death of the last survivor of the descendants of Joseph P. Kennedy, the late Ambassador of the United States to the Court of St. James’s, living on the date hereof.  Any termination of the Trust Fund shall be carried out in such a manner so that the termination of each REMIC included therein shall qualify as a “qualified liquidation” under the REMIC Provisions.

 

(b)           In connection with an exercise of the Clean-up Call, the Trustee, at the direction of the Securities Administrator, shall cause each REMIC to adopt a plan of complete liquidation by complying with the provisions of Section 7.03. 

 

(c)           The Depositor, the Master Servicer, each Servicer, the Securities Administrator and the Custodian shall be reimbursed from the Clean-up Call Price for any Advances, Servicing Advances, accrued and unpaid Servicing Fees and Master Servicing Fees or other amounts with respect to the related Mortgage Loans that are reimbursable to such parties under this Agreement, the related Servicing Agreement or the Custodial Agreement prior to distributions to any Certificateholder.

  

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(d)           On any date on which the Aggregate Stated Principal Balance is less than twenty percent (20%) of the Aggregate Stated Principal Balance as of the Cut-off Date, the Holder of the Class LT-R Certificate may terminate the Trust Fund by purchasing all of the Mortgage Loans and all property acquired in respect of any Mortgage Loan for the Clean-up Call Price.  The Holder of the Class LT-R Certificate shall provide to the Securities Administrator not less than thirty (30) days prior written notice of its intent to exercise its purchase and termination right under this Section 7.01(d) and comply with the requirements of this Article VII to effect a “qualified liquidation” under the REMIC Provisions.  The Holder of the Class LT-R Certificate 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 Depositor, the Master Servicer, the Securities Administrator and the Trustee hereby consent to any such exercise.

(e)           If the Holder of the Class LT-R Certificate has not exercised its purchase and termination right pursuant to clause (d) above, then, on any date on which the Aggregate Stated Principal Balance is less than five percent (5%) of the Aggregate Stated Principal Balance as of the Cut-off Date, the Master Servicer may terminate the Trust Fund by purchasing all of the Mortgage Loans and all property acquired in respect of any Mortgage Loan for the Clean-up Call Price.  The Master Servicer shall provide to the Securities Administrator not less than thirty (30) days prior written notice of its intent to exercise its purchase and termination right under this Section 7.01(e) and comply with the requirements of this Article VII to effect a “qualified liquidation” under the REMIC Provisions.  The Depositor, the Securities Administrator and the Trustee hereby consent to any such exercise.

Section 7.02                    Procedure Upon Redemption and Termination of Trust Fund. 

 

(a)           If on any Determination Date the Master Servicer determines that there are no outstanding Mortgage Loans, and no other funds or assets in the Trust Fund other than the funds in the Distribution Account, the Master Servicer shall direct the Securities Administrator promptly to send a final distribution notice to each Certificateholder.  Such notice shall specify (A) the Distribution Date upon which final distribution on the Certificates of all amounts required to be distributed to Certificateholders pursuant to Section 5.02 will be made upon presentation and surrender of the Certificates at the Certificate Registrar’s Corporate Trust Office, and (B) that the Record Date otherwise applicable to such Distribution Date is not applicable, distribution being made only upon presentation and surrender of the Certificates at the office or agency of the Certificate Registrar therein specified.  The Securities Administrator shall give such notice to the Trustee, the Master Servicer and the Certificate Registrar at the time such notice is given to Holders of the Certificates.  Upon any such termination, the duties of the Certificate Registrar with respect to the Certificates shall terminate.

 

Upon termination of the Trust Fund, the Securities Administrator shall terminate, or request the Master Servicer to terminate, the Distribution Account and any other account or fund maintained with respect to the Certificates, subject to the Securities Administrator’s obligation hereunder to hold all amounts payable to Certificateholders in trust without interest pending such payment.

 

(b)           In the event that all of the Holders do not surrender their Certificates for cancellation within three months after the time specified in the termination notice, the Securities Administrator shall give a second written notice to the remaining Certificateholders to surrender their Certificates for cancellation and receive the final distribution with respect thereto.  If within one year after the second notice any Certificates shall not have been surrendered for cancellation, the Securities Administrator may take appropriate steps to contact the remaining Certificateholders concerning surrender of such Certificates, and the cost thereof shall be paid out of the amounts distributable to such Holders.  If within two years after the second notice any Certificates shall not have been surrendered for cancellation, the Securities Administrator shall, subject to applicable state law relating to escheatment, hold all amounts distributable to such Holders for the benefit of such Holders.  No interest shall accrue on any amount held by the Securities Administrator and not distributed to a Certificateholder due to such Certificateholder’s failure to surrender its Certificate(s) for payment of the final distribution thereon in accordance with this Section.

 

(c)           Any reasonable expenses incurred by the Securities Administrator or the Trustee in connection with any redemption or termination or liquidation of the Trust Fund shall be reimbursed from proceeds received from the liquidation of the Trust Fund.

  

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Section 7.03                    Additional Trust Fund Termination Requirements. 

 

(a)           Any termination of the Trust Fund in connection with the Clean-up Call or involving any other sale of assets of the Trust Fund prior to the final payment or other liquidation of the last Mortgage Loan remaining in the Trust Fund shall be effected in accordance with the following additional requirements, unless the Securities Administrator and the Trustee receive an Opinion of Counsel (at the expense of the party exercising any right of termination), addressed to the Securities Administrator and the Trustee to the effect that the failure of the Trust Fund to comply with the requirements of this Section 7.03 will not result in an Adverse REMIC Event:

 

(i)            Within 89 days prior to the time of the making of the final payment on the Certificates, upon notification that a party intends to exercise its option to cause the termination of the Trust Fund, the Trustee, at the direction of the Securities Administrator, shall adopt a plan of complete liquidation of the Trust Fund on behalf of each REMIC, meeting the requirements of a qualified liquidation under the REMIC Provisions, in the form prepared and provided by the party exercising its termination right in connection with a Clean-up Call or by the Depositor in connection with any other termination of the Trust Fund;

 

(ii)           Any sale of the Mortgage Loans upon the exercise of a Clean-up Call shall be a sale for cash and shall occur at or after the time of adoption of such a plan of complete liquidation and prior to the time of making of the final payment on or credit to the Certificates, and upon the closing of such a sale, the Trustee shall deliver or cause the Custodian to deliver the Mortgage Loans to the purchaser thereof as instructed by the party exercising the Clean-up Call;

 

(iii)          On the date specified for final payment of the Certificates, the Securities Administrator shall make final distributions of principal and interest on the Certificates in accordance with Section 5.02 and, after payment of, or provision for payment of any outstanding expenses, distribute or credit, or cause to be distributed or credited, to the Holders of the Residual Certificates all cash on hand after such final payment (other than cash retained to meet claims), and the Trust Fund (and each REMIC) shall terminate at that time; and

 

(iv)          In no event may the final payment on or credit to the Certificates or the final distribution or credit to the Holders of the Residual Certificates be made after the 89th day from the date on which the plan of complete liquidation is adopted.

 

(b)           By its acceptance of a Residual Certificate, each Holder thereof hereby agrees to accept the plan of complete liquidation adopted by the Trustee at the direction of the Securities Administrator under this Section and to take such other action in connection therewith as may be reasonably requested by the Securities Administrator or any Servicer.

ARTICLE VIII

RIGHTS OF CERTIFICATEHOLDERS

 

Section 8.01                    Limitation on Rights of Holders. 

 

(a)           The death or incapacity of any Certificateholder shall not operate to terminate this Agreement or the Trust Fund, nor entitle such Certificateholder’s legal representatives or heirs to claim an accounting or take any action or proceeding in any court for a partition or winding up of this Trust Fund, nor otherwise affect the rights, obligations and liabilities of the parties hereto or any of them.  Except as otherwise expressly provided herein, no Certificateholder, solely by virtue of its status as a Certificateholder, shall have any right to vote or in any manner otherwise control the Trustee, the Master Servicer or the operation and management of the Trust Fund, or the obligations of the parties hereto, nor shall anything herein set forth, or contained in the terms of the Certificates, be construed so as to constitute the Certificateholders from time to time as partners or members of an association, nor shall any Certificateholder be under any liability to any third person by reason of any action taken by the parties to this Agreement pursuant to any provision hereof.

  

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(b)           No Certificateholder, solely by virtue of its status as Certificateholder, shall have any right by virtue of or by availing itself of any provision of this Agreement to institute any suit, action or proceeding in equity or at law upon or under or with respect to this Agreement, unless such Holder previously shall have given to the Trustee a written notice of an Event of Default and of the continuance thereof, as hereinbefore provided, and unless, except as otherwise specified herein, the Holders of Certificates evidencing not less than 25% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) of Certificates of each Class affected thereby shall have made written request upon the Trustee to institute such action, suit or proceeding in its own name as Trustee hereunder and shall have offered to the Trustee such reasonable indemnity as it may require against the cost, expenses and liabilities to be incurred therein or thereby, and the Trustee, for sixty days after its receipt of such notice, request and offer of indemnity, shall have neglected or refused to institute any such action, suit or proceeding and no direction inconsistent with such written request has been given such Trustee during such sixty-day period by such Certificateholders; it being understood and intended, and being expressly covenanted by each Certificateholder with every other Certificateholder, the Securities Administrator and the Trustee, that no one or more Holders of Certificates shall have any right in any manner whatever by virtue of or by availing itself of any provision of this Agreement to affect, disturb or prejudice the rights of the Holders of any other of such Certificates, or to obtain or seek to obtain priority over or preference to any other such Holder, or to enforce any right under this Agreement, except in the manner herein provided and for the benefit of all Certificateholders.  For the protection and enforcement of the provisions of this Section, each and every Certificateholder and the Trustee shall be entitled to such relief as can be given either at law or in equity.

 

Section 8.02                    Access to List of Holders. 

 

(a)           If the Trustee is not acting as Certificate Registrar, the Certificate Registrar will furnish or cause to be furnished to the Trustee, within fifteen days after receipt by the Certificate Registrar of a request by the Trustee in writing, a list, in such form as the Trustee may reasonably require, of the names and addresses of the Certificateholders of each Class as of the most recent Record Date.

 

(b)           If three or more Holders or Certificate Owners (hereinafter referred to as “Applicants”) apply in writing to the Certificate Registrar, and such application states that the Applicants desire to communicate with other Holders with respect to their rights under this Agreement or under the Certificates and is accompanied by a copy of the communication which such Applicants propose to transmit, then the Certificate Registrar shall, within five Business Days after the receipt of such application, afford such Applicants reasonable access during the normal business hours of the Certificate Registrar to the most recent list of Certificateholders held by the Certificate Registrar or shall, as an alternative, send, at the Applicants’ expense, the written communication proffered by the Applicants to all Certificateholders at their addresses as they appear in the Certificate Register.

 

(c)           Every Holder or Certificate Owner, if the Holder is a Clearing Agency, by receiving and holding a Certificate, agrees with the Depositor, the Master Servicer, the Securities Administrator, the Certificate Registrar and the Trustee that neither the Depositor, Master Servicer, the Securities Administrator, the Certificate Registrar nor the Trustee shall be held accountable by reason of the disclosure of any such information as to the names and addresses of the Certificateholders hereunder, regardless of the source from which such information was derived.

  

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Section 8.03                    Acts of Holders of Certificates. 

 

(a)           Any request, demand, authorization, direction, notice, consent, waiver or other action provided by this Agreement to be given or taken by Holders or Certificate Owners, if the Holder is a Clearing Agency, may be embodied in and evidenced by one or more instruments of substantially similar tenor signed by such Holders in person or by an agent duly appointed in writing; and, except as herein otherwise expressly provided, such action shall become effective when such instrument or instruments are delivered to the Trustee and the Securities Administrator and, where expressly required herein, to the Master Servicer.  Such instrument or instruments (as the action embodies therein and evidenced thereby) are herein sometimes referred to as an “Act” of the Holders signing such instrument or instruments.  Proof of execution of any such instrument or of a writing appointing any such agents shall be sufficient for any purpose of this Agreement and conclusive in favor of the Trustee, the Securities Administrator and the Master Servicer, if made in the manner provided in this Section.  Each of the Trustee, the Securities Administrator and the Master Servicer shall promptly notify the others of receipt of any such instrument by it, and shall promptly forward a copy of such instrument to the others.

 

 (b)          The fact and date of the execution by any Person of any such instrument or writing may be proved by the affidavit of a witness of such execution or by the certificate of any notary public or other officer authorized by law to take acknowledgments or deeds, certifying that the individual signing such instrument or writing acknowledged to him the execution thereof.  Whenever such execution is by an officer of a corporation or a member of a partnership on behalf of such corporation or partnership, such certificate or affidavit shall also constitute sufficient proof of his authority.  The fact and date of the execution of any such instrument or writing, or the authority of the individual executing the same, may also be proved in any other manner which the Trustee or the Securities Administrator deems sufficient.

 

(c)           The ownership of Certificates (whether or not such Certificates shall be overdue and notwithstanding any notation of ownership or other writing thereon made by anyone other than the Trustee) shall be proved by the Certificate Register, and none of the Trustee, the Securities Administrator, the Master Servicer or the Depositor shall be affected by any notice to the contrary.

 

(d)           Any request, demand, authorization, direction, notice, consent, waiver or other action by the Holder of any Certificate shall bind every future Holder of the same Certificate and the Holder of every Certificate issued upon the registration of transfer thereof or in exchange therefor or in lieu thereof, in respect of anything done, omitted or suffered to be done by the Trustee, the Securities Administrator or the Master Servicer in reliance thereon, whether or not notation of such action is made upon such Certificate.

ARTICLE IX

ADMINISTRATION AND SERVICING OF MORTGAGE LOANS BY THE MASTER SERVICER

Section 9.01                    Duties of the Master Servicer; Enforcement of Servicer’s and Master Servicer’s Obligations.

(a)           The Master Servicer, on behalf of the Trustee and the Certificateholders shall, from and after the Closing Date, monitor the performance of the Servicers under the Servicing Agreements.  In performing its obligations hereunder, the Master Servicer shall act in a manner consistent with Accepted Master Servicing Practices. Furthermore, the Master Servicer shall consult with each Servicer as necessary from time to time to carry out the Master Servicer’s obligations hereunder, shall receive and review all reports, information and other data provided to the Master Servicer by each Servicer and shall enforce the obligation of each Servicer duly and punctually to perform and observe the covenants, duties, obligations and conditions to be performed or observed by such Servicer under the related Servicing Agreement.  The Master Servicer shall independently and separately monitor each Servicer’s servicing activities with respect to each related Mortgage Loan in respect of the provisions of the applicable Servicing Agreement, reconcile the reports and other data provided to the Master Servicer pursuant to the previous sentence on a monthly basis based on the Mortgage Loan data provided to the Master Servicer by or on behalf of the Depositor on the Closing Date (upon which data the Master Servicer shall be entitled to rely and with respect to which the Master Servicer shall have no obligation to confirm or verify) and coordinate corrective adjustments to each Servicer’s and the Master Servicer’s records, and based on such reconciled and corrected information, the Master Servicer shall provide such information to the Securities Administrator as shall be necessary in order for it to prepare the statements specified in Section 4.02, and prepare any other information and statements required to be forwarded by the Master Servicer hereunder. The Master Servicer shall reconcile the results of its Mortgage Loan monitoring with the actual remittances of each Servicer to the Distribution Account pursuant to the related Servicing Agreement.  In its review of the activities of any Servicer, the Master Servicer may rely upon an Officer’s Certificate of such Servicer (or similar document signed by an officer of such Servicer), and such Servicer’s Assessment of Compliance and related Accountant’s Attestation or other accountants’ report provided to the Master Servicer pursuant to the related Servicing Agreement, with regard to such Servicer’s compliance with the terms of its Servicing Agreement.  Subject to Section 9.08, the Master Servicer shall not be responsible or liable for the day-to-day servicing activities of any Servicer or for any unlawful act or omission, breach, negligence, fraud, willful misconduct or bad faith of any Servicer.  Notwithstanding any provision of this Agreement, the Master Servicer shall have no duty to review any loss mitigation decisions of any Servicer (including without limitation the calculation of realized losses and gains and the management and disposition of any REO Properties) or any actions of the Trustee or the Controlling Holder in connection therewith.

  

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Upon the occurrence of an event that, unless cured, would constitute grounds for termination of a Servicer under the related Servicing Agreement, the Master Servicer shall promptly notify the Trustee and the Depositor thereof, and shall specify in such notice the action, if any, the Master Servicer is taking in respect of such default.  So long as any such event of default shall be continuing, the Master Servicer may, and shall, if it determines such action to be in the best interests of Certificateholders, (i) terminate all of the rights and powers of such Servicer pursuant to the applicable provisions of the Servicing Agreement; (ii) exercise any rights it may have to enforce the Servicing Agreement against such Servicer; and/or (iii) waive any such default under the Servicing Agreement or take any other action with respect to such default as is permitted thereunder.  Notwithstanding the immediately preceding sentence, if the event of default is the failure of a Servicer to remit any payment required to be made under the terms of the applicable Servicing Agreement, and such failure continues unremedied for the duration of the applicable grace period, then the Master Servicer shall terminate all of the rights and powers of such Servicer pursuant to the applicable provisions of the related Servicing Agreement, unless any waiver described under Section 6.16 shall have been obtained.

(b)           Upon any termination by the Master Servicer of a Servicer’s rights and powers pursuant to the related Servicing Agreement, the rights and powers of the Servicer with respect to the related Mortgage Loans shall vest in the Master Servicer and the Master Servicer shall be the successor in all respects to such Servicer in its capacity as Servicer with respect to such Mortgage Loans under the related Servicing Agreement, unless or until the Master Servicer shall have appointed, with the consent of the Trustee, such consent not to be unreasonably withheld, and in accordance with the applicable provisions of the related Servicing Agreement, a new Fannie Mae- or Freddie Mac-approved Person that is a member in good standing of MERS to serve as successor to the Servicer; provided, however, that no Trustee consent shall be required if the successor servicer is a Person that was a Servicer on the Closing Date; provided, further, that it is understood and agreed by the parties hereto that there will be a period of transition (not to exceed 90 days) before the actual servicing functions can be fully transferred to a successor servicer (including the Master Servicer). With such consent, the Master Servicer may elect to continue to serve as successor servicer under the Servicing Agreement. Upon appointment of a successor servicer, as authorized under this Section 9.01(b), unless the successor servicer shall have assumed the obligations of the terminated Servicer under such Servicing Agreement, the Master Servicer, the Trustee and such successor servicer shall enter into a servicing agreement in a form substantially similar to the affected Servicing Agreement. In connection with any such appointment, the Master Servicer may make such arrangements for the compensation of such successor servicer as it and such successor shall agree.  The Master Servicer in its sole discretion shall have the right to agree to compensation of a successor servicer in excess of that permitted to a Servicer under the Servicing Agreements if such increase is, in its good faith and judgment,  necessary or advisable to engage a successor servicer.  Notwithstanding anything herein to the contrary, in no event shall the Master Servicer be liable for any Servicing Fee or for any differential between the amount of the Servicing Fee paid to the original servicer and the amount necessary to induce any successor servicer to act as successor servicer hereunder.  To the extent the successor servicer assumes the obligations of the terminated Servicer under the applicable Servicing Agreement, the Master Servicer may amend such Servicing Agreement to effect such change to the Servicing Fee without the consent of the Certificateholders.

  

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The Master Servicer shall pay the costs of such enforcement (including the termination of any Servicer, the appointment of a successor servicer or the transfer and assumption of the servicing by the Master Servicer) at its own expense and shall be reimbursed therefor initially (i) by the terminated Servicer, (ii) from a general recovery resulting from such enforcement only to the extent, if any, that such recovery exceeds all amounts due in respect of the related Mortgage Loans, (iii) from a specific recovery of costs, expenses or attorney’s fees against the party against whom such enforcement is directed, or (iv) to the extent that such amounts described in (i)-(iii) above are not received by the Master Servicer within 30 days of the Master Servicer's request for reimbursement therefor, from the Trust Fund, as provided in Section 9.04.  To the extent the Master Servicer recovers amounts described in (i)-(iii) above subsequent to its reimbursement from the Trust Fund pursuant to (iv) above, then the Master Servicer promptly will reimburse such amounts to the Trust Fund.

If the Master Servicer assumes the servicing with respect to any of the Mortgage Loans, it will not assume liability for the representations and warranties of any Servicer it replaces or for the errors or omissions of such Servicer.

(c)           Upon any termination of a Servicer’s rights and powers pursuant to the applicable Servicing Agreement, the Master Servicer shall promptly notify the Trustee, the Securities Administrator and the Rating Agency through the Rule 17g-5 Information Provider, specifying in such notice that the Master Servicer or any successor servicer, as the case may be, has succeeded the Servicer under the Servicing Agreement, which notice shall also specify the name and address of any such successor servicer.

Section 9.02                    Assumption of Master Servicing by Trustee.

(a)           In the event the Master Servicer shall for any reason no longer be the Master Servicer (including by reason of any Event of Default under this Agreement), the Trustee shall thereupon, in accordance with the terms of Section 6.14 hereof, assume all of the rights and obligations of such Master Servicer hereunder and under each Servicing Agreement entered into with respect to the Mortgage Loans or shall appoint as successor master servicer a Fannie-Mae or Freddie Mac-approved servicer that is acceptable to the Depositor and the Rating Agency. The Trustee, its designee or any successor master servicer appointed by the Trustee shall be deemed to have assumed all of the replaced Master Servicer’s interest herein and, with respect to each Servicing Agreement, shall be deemed to have assumed all of the replaced Master Servicer's interest therein to the same extent as if such Servicing Agreement had been assigned to the assuming party; provided that the replaced Master Servicer shall not thereby be relieved of any liability or obligations of such replaced Master Servicer under such Servicing Agreement accruing prior to its replacement as Master Servicer, and shall be liable to the Trustee or any successor master servicer therefor, and hereby agrees to indemnify and hold harmless the Trustee or any successor master servicer from and against all costs, damages, expenses and liabilities (including reasonable attorneys’ fees) incurred by the Trustee or any successor master servicer as a result of such liability or obligations of the replaced Master Servicer and in connection with the Trustee’s or such successor master servicer’s assumption (but not its performance, except to the extent that costs or liability of the Trustee or any successor master servicer are created or increased as a result of negligent or wrongful acts or omissions of the replaced Master Servicer prior to its replacement as Master Servicer) of the Master Servicer’s obligations, duties or responsibilities thereunder.

(b)           The replaced Master Servicer shall, upon request of the Trustee but at the expense of such replaced Master Servicer, deliver to the assuming party all documents and records relating to each Servicing Agreement and the related Mortgage Loans and an accounting of amounts collected and held by it, and otherwise use its best efforts to effect the orderly and efficient transfer of each Servicing Agreement to the assuming party.

  

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Section 9.03                    Representations, Warranties and Covenants of the Master Servicer.

(a)           The Master Servicer hereby represents and warrants to the Depositor, the Securities Administrator (to the extent that the Master Servicer and the Securities Administrator are not the same Person) and the Trustee, for the benefit of the Certificateholders, as of the Closing Date that:

    

(i)            it is validly existing and in good standing under the laws of the United States of America as a national banking association, and as Master Servicer has full power and authority to transact any and all business contemplated by this Agreement and to execute, deliver and comply with its obligations under the terms of this Agreement, the execution, delivery and performance of which have been duly authorized by all necessary corporate action on the part of the Master Servicer;

(ii)           the execution and delivery of this Agreement by the Master Servicer and its performance and compliance with the terms of this Agreement will not (A) violate the Master Servicer’s charter or bylaws, (B) violate any law or regulation or any administrative decree or order to which it is subject or (C) constitute a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, or result in the breach of, any material contract, agreement or other instrument to which the Master Servicer is a party or by which it is bound or to which any of its assets are subject, which violation, default or breach would materially and adversely affect the Master Servicer’s ability to perform its obligations under this Agreement;

(iii)          this Agreement constitutes, assuming due authorization, execution and delivery hereof by the other respective parties hereto, a legal, valid and binding obligation of the Master Servicer, enforceable against it in accordance with the terms hereof, except as such enforcement may be limited by bankruptcy, insolvency, reorganization, moratorium and other laws affecting the enforcement of creditors’ rights in general, and by general equity principles (regardless of whether such enforcement is considered in a proceeding in equity or at law);

(iv)          the Master Servicer is not in default with respect to any order or decree of any court or any order or regulation of any federal, state, municipal or governmental agency to the extent that any such default would materially and adversely affect its performance hereunder;

(v)           the Master Servicer is not a party to or bound by any agreement or instrument or subject to any charter provision, bylaw or any other corporate restriction or any judgment, order, writ, injunction, decree, law or regulation that may materially and adversely affect its ability as Master Servicer to perform its obligations under this Agreement or that requires the consent of any third person to the execution of this Agreement or the performance by the Master Servicer of its obligations under this Agreement;

(vi)          no litigation is pending or, to the best of the Master Servicer’s knowledge, threatened against the Master Servicer which would prohibit its entering into this Agreement or performing its obligations under this Agreement;

(vii)         the Master Servicer, or an affiliate thereof the primary business of which is the servicing of conventional residential mortgage loans, is a Fannie Mae- or Freddie Mac-approved seller/servicer;

  

(viii)        no consent, approval, authorization or order of any court or governmental agency or body is required for the execution, delivery and performance by the Master Servicer of or compliance by the Master Servicer with this Agreement or the consummation of the transactions contemplated by this Agreement, except such consents, approvals, authorizations and orders (if any) as have been obtained; and

(ix)           the consummation of the transactions contemplated by this Agreement are in the ordinary course of business of the Master Servicer.

  

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(b)           It is understood and agreed that the representations and warranties set forth in this Section shall survive the execution and delivery of this Agreement. In addition to any indemnity required pursuant to Section 6.25 hereof, the Master Servicer shall indemnify the Depositor, the Securities Administrator (to the extent that the Master Servicer and the Securities Administrator are not the same Person) and the Trustee and hold them harmless against any loss, damages, penalties, fines, forfeitures, legal fees and related costs, judgments, and other costs and expenses resulting from any claim, demand, defense or assertion based on or grounded upon, or resulting from, a material breach of the Master Servicer’s representations and warranties contained in Section 9.03(a) or any failure by the Master Servicer to deliver any information, report, certification, accountants’ letter or other material when and as required under this Agreement. It is understood and agreed that the enforcement of the obligation of the Master Servicer set forth in this Section to indemnify the Depositor, the Securities Administrator and the Trustee as provided in this Section 9.03(b) constitutes the sole remedy (other than as set forth in Section 6.14) of the Depositor, the Securities Administrator and the Trustee, respecting a breach of the foregoing representations and warranties. Such indemnification shall survive any termination of the Master Servicer as Master Servicer hereunder, and any termination of this Agreement.

Any cause of action against the Master Servicer relating to or arising out of the breach of any representations and warranties made in this Section 9.03(b) shall accrue upon discovery of such breach by either the Depositor, the Master Servicer or the Trustee or written notice thereof by any one of such parties to the other parties.

The Master Servicer shall not be responsible for the validity, priority, perfection or sufficiency of the security of the Certificates issued or intended to be issued hereunder.

(c)           The Master Servicer covenants and agrees that it shall not hold or purchase any Certificate if its holding or purchase of such Certificate (or interest therein) would cause the Master Servicer to be required to consolidate any assets of the Trust Fund on its financial statements under U.S. generally accepted accounting principles (“Consolidate” or “Consolidation”).  The Master 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 Master Servicer to be required to Consolidate any assets of the Trust on its financial statements.

If the Master 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 Master Servicer holds or purchases a Certificate (or interest therein) in violation of the restrictions in this Section 9.03(c) 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 Master Servicer shall promptly endorse and deliver such 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 Master Servicer.  The terms and conditions of any sale under this Section 9.03(c) 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 Master Servicer shall indemnify and hold harmless the Depositor and the Trust Fund from and against any and all losses, liabilities, claims, costs or expenses incurred by such parties as a result of such holding or purchase by the Master Servicer resulting in a Consolidation.

(b)           The Master Servicer covenants and agrees that it shall not transfer its master servicing rights and duties under this Agreement to an insured depository institution, as such term is defined in the Federal Deposit Insurance Act (an “insured depository institution”, and any such insured depository institution in such capacity, a “master servicer transferee”) unless the Master Servicer shall have received a representation from the master servicer transferee that the acquisition of such master servicing rights and duties will not cause the master servicer transferee to be required to Consolidate any assets of the Trust Fund on its financial statements.  Any master servicer transferee shall be deemed to have represented by virtue of its acquisition of such master servicing rights and duties that such acquisition will not cause Consolidation.  Any master servicer transferee whose acquisition of such master servicing rights and duties was effected in violation of the restrictions in this Section 9.03(b) shall indemnify and hold harmless the Master Servicer, the Depositor and the Trust Fund from and against any and all losses, liabilities, claims, costs or expenses incurred by such parties as a result of such acquisition.

  

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Section 9.04                    Compensation to the Master Servicer.

The Master Servicer shall be entitled to be paid from the Trust Fund, and shall either retain or withdraw from the Distribution Account, (i) its Master Servicing Fee with respect to each Distribution Date, (ii) all amounts necessary to reimburse itself for any previously unreimbursed Advances, Servicer Advances and Nonrecoverable Advances in accordance with the definition of “Available Distribution Amount” and (iii) in accordance with the second paragraph of Section 9.01(b), the cost of any enforcement action taken by it under Section 9.01 hereof, including, without limitation, any costs incurred in connection with the termination of a Servicer, the appointment of a successor servicer or the transfer and assumption of the servicing by the Master Servicer.  The Master Servicer shall be required to pay all expenses incurred by it in connection with its activities hereunder and shall not be entitled to reimbursement therefor except as provided in this Agreement.

In addition, the Depositor agrees, except as otherwise expressly provided herein, to reimburse the Master Servicer, upon its request, for all reasonable expenses, disbursements and advances incurred or made by the Master Servicer in connection with the performance of its duties hereunder (including the reasonable compensation and the expenses and disbursements of its agents and counsel), to the extent not otherwise reimbursed pursuant to this Agreement, except any such expense, disbursement or advance as may be attributable to its willful misfeasance, bad faith or negligence.

Section 9.05                    Merger or Consolidation.

Any Person into which the Master Servicer may be merged or consolidated, or any Person resulting from any merger, conversion, other change in form or consolidation to which the Master Servicer shall be a party, or any Person succeeding to the business of the Master Servicer, shall be the successor to the Master Servicer hereunder, without the execution or filing of any paper or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding; provided, however, that the successor or resulting Person to the Master Servicer or any Affiliate thereof whose primary business is the servicing of conventional residential mortgage loans shall be a Person that shall be qualified and approved to service mortgage loans for Fannie Mae or Freddie Mac and shall have a net worth of not less than $15,000,000.

Section 9.06                    Resignation of Master Servicer.

Except as otherwise provided in Sections 9.05 and 9.07 hereof, the Master Servicer shall not resign from the obligations and duties hereby imposed on it unless the Master Servicer’s duties hereunder are no longer permissible under applicable law or are in material conflict by reason of applicable law with any other activities carried on by it and such conflict cannot be cured. Any such determination permitting the resignation of the Master Servicer shall be evidenced by an Opinion of Counsel that shall be Independent to such effect delivered to the Trustee. No such resignation shall become effective until the Trustee shall have assumed, or a successor master servicer shall have been appointed by the Trustee and until such successor shall have assumed, the Master Servicer’s responsibilities and obligations under this Agreement. Notice of such resignation shall be given promptly by the Master Servicer and the Depositor to the Trustee.

If, at any time, the Master Servicer resigns under this Section 9.06, or transfers or assigns its rights and obligations under Section 9.07, or is removed as Master Servicer pursuant to Section 6.14, then at such time Wells Fargo Bank, N.A. also shall resign (and shall be entitled to resign) as Securities Administrator, Paying Agent, Authenticating Agent and Certificate Registrar under this Agreement. In such event, the obligations of each such party shall be assumed by the Trustee or such successor master servicer appointed by the Trustee (subject to the provisions of Section 9.02(a)).

  

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Section 9.07                    Assignment or Delegation of Duties by the Master Servicer.

Except as expressly provided herein, the Master Servicer shall not assign or transfer any of its rights, benefits or privileges hereunder to any other Person, or delegate to or subcontract with, or authorize or appoint any other Person to perform any of the duties, covenants or obligations to be performed by the Master Servicer hereunder; provided, however, that the Master Servicer shall have the right with the prior written consent of the Trustee and the Depositor (which consent shall not be unreasonably withheld), to delegate or assign to or subcontract with or authorize or appoint any qualified Person to perform and carry out any duties, covenants or obligations to be performed and carried out by the Master Servicer hereunder.  Notice of such permitted assignment shall be given promptly by the Master Servicer to the Depositor and the Trustee.  If, pursuant to any provision hereof, the duties of the Master Servicer are transferred to a successor master servicer, the entire amount of the Master Servicing Fee and other compensation payable to the Master Servicer pursuant hereto shall thereafter be payable to such successor master servicer. Such successor master servicer shall also pay the fees of the Trustee and the Securities Administrator, as provided herein, and of the Custodian, as provided in the Custodial Agreement.

Section 9.08                    Limitation on Liability of the Master Servicer and Others.

Neither the Master Servicer nor any of the directors, officers, employees or agents of the Master Servicer shall be under any liability to the Trustee or the Certificateholders for any action taken or for refraining from the taking of any action in good faith pursuant to this Agreement, or for errors in judgment; provided, however, that this provision shall not protect the Master Servicer or any such person against any liability that would otherwise be imposed by reason of willful misfeasance, bad faith or negligence in its performance of its duties or by reason of reckless disregard for its obligations and duties under this Agreement. The Master Servicer and any director, officer, employee or agent of the Master Servicer may rely in good faith on any document of any kind prima facie properly executed and submitted by any Person respecting any matters arising hereunder. The Master Servicer shall be under no obligation to appear in, prosecute or defend any legal action that is not incidental to its duties to master service the Mortgage Loans in accordance with this Agreement and that in its opinion may involve it in any expenses or liability; provided, however, that the Master Servicer may in its sole discretion undertake any such action that it may deem necessary or desirable in respect of this Agreement and the rights and duties of the parties hereto and the interests of the Certificateholders hereunder. In such event, the legal expenses and costs of such action and any liability resulting therefrom shall be expenses, costs and liabilities of the Trust Fund and the Master Servicer shall be entitled to be reimbursed therefor out of the Distribution Account.

The Master Servicer shall not be liable for any acts or omissions of any Servicer except to the extent that damages or expenses are incurred as a result of such act or omissions and such damages and expenses would not have been incurred but for the negligence, willful misfeasance, bad faith or recklessness of the Master Servicer in supervising, monitoring and overseeing the obligations of the Servicers under this Agreement.

Section 9.09                    Indemnification; Third-Party Claims.

In addition to any indemnity required pursuant to Section 6.25 hereof, the Master Servicer agrees to indemnify the Depositor, the Securities Administrator (to the extent that the Master Servicer and the Securities Administrator are not the same Person) and the Trustee, and hold them harmless against any and all claims, losses, penalties, fines, forfeitures, legal fees and related costs, judgments, and any other costs, liability, fees and expenses that the Depositor, the Securities Administrator or the Trustee may sustain as a result of the Master Servicer’s willful misfeasance, bad faith or negligence in the performance of its duties hereunder or by reason of its reckless disregard for its obligations and duties under this Agreement. The Depositor, the Securities Administrator (to the extent that the Master Servicer and the Securities Administrator are not the same Person) and the Trustee shall immediately notify the Master Servicer if a claim is made by a third party with respect to this Agreement or the Mortgage Loans entitling the Depositor, the Securities Administrator (to the extent that the Master Servicer and the Securities Administrator are not the same Person) or the Trustee to indemnification under this Section 9.09, whereupon the Master Servicer shall assume the defense of any such claim and pay all expenses in connection therewith, including counsel fees, and promptly pay, discharge and satisfy any judgment or decree which may be entered against it or them in respect of such claim.

  

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Section 9.10                    Master Servicer Fidelity Bond and Master Servicer Errors and Omissions Insurance Policy.

The Master Servicer, at its expense, shall maintain in effect a blanket fidelity bond and an errors and omissions insurance policy, affording coverage with respect to all directors, officers, employees and other Persons acting on such Master Servicer’s behalf, and covering errors and omissions in the performance of the Master Servicer’s obligations hereunder. The errors and omissions insurance policy and the fidelity bond shall be in such form and amount generally acceptable for entities serving as master servicers or trustees.

ARTICLE X

REMIC ADMINISTRATION

 

Section 10.01                  REMIC Administration. 

 

(a)           REMIC elections as set forth in the Preliminary Statement to this Agreement shall be made by the Trustee at the direction of the Securities Administrator on Forms 1066 or other appropriate federal tax or information return for the taxable year ending on the last day of the calendar year in which the Certificates are issued.  The regular interests and residual interest in each REMIC shall be as designated in the Preliminary Statement to this Agreement.

 

(b)           The Closing Date is hereby designated as the “Startup Day” of each REMIC within the meaning of section 86OG(a)(9) of the Code.  The “latest possible maturity date” for purposes of Treasury Regulation 1.86OG-1(a)(4) will be the Latest Possible Maturity Date.

 

(c)           The Securities Administrator shall represent the Trust Fund in any administrative or judicial proceeding relating to an examination or audit by any governmental taxing authority with respect thereto.  The Securities Administrator shall pay any and all tax-related expenses (not including taxes) of each REMIC, including but not limited to any professional fees or expenses related to audits or any administrative or judicial proceedings with respect to such REMIC that involve the Internal Revenue Service or state tax authorities, but only to the extent that (i) such expenses are ordinary or routine expenses, including expenses of a routine audit but not expenses of litigation (except as described in (ii)); or (ii) such expenses or liabilities (including taxes and penalties) are attributable to the negligence or willful misconduct of the Securities Administrator in fulfilling its duties hereunder (including its duties as tax return preparer).  The Securities Administrator shall be entitled to reimbursement of expenses to the extent provided in clause (i) above from the Distribution Account; provided, however, the Securities Administrator shall not be entitled to reimbursement for expenses incurred in connection with the preparation of tax returns and other reports required under Section 6.20 and this Section.

 

(d)           The Securities Administrator shall prepare and file, and the Trustee shall sign, as instructed by the Securities Administrator, all of each REMIC’s federal and appropriate state tax and information returns as such REMIC’s direct representative.  The expenses of preparing and filing such returns shall be borne by the Securities Administrator.  In preparing such returns, the Securities Administrator shall, with respect to each REMIC created hereunder other than the Upper-Tier REMIC (each such REMIC, a “Non-Upper-Tier REMIC”):  (i) treat the accrual period for interests in such Non-Upper-Tier REMIC as the calendar month; (ii) account for distributions made from such Non-Upper-Tier REMIC as made on the first day of each succeeding calendar month; (iii) use the aggregation method provided in Treasury Regulation section 1.1275-2(c); and (iv) account for income and expenses related to such Non-Upper-Tier REMIC in the manner resulting in the lowest amount of excess inclusion income possible accruing to the Holder of the residual interest in such Non-Upper-Tier REMIC.

  

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(e)           The Securities Administrator or its designee shall perform on behalf of each REMIC all reporting and other tax compliance duties that are the responsibility of such REMIC under the Code, the REMIC Provisions, or other compliance guidance issued by the Internal Revenue Service or any state or local taxing authority.  Among its other duties, if required by the Code, the REMIC Provisions, or other such guidance, the Securities Administrator shall provide (i) to the Treasury or other governmental authority such information as is necessary for the application of any tax relating to the transfer of a Residual Certificate to any disqualified person or organization pursuant to Treasury Regulation 1.860E-2(a)(5) and any person designated in Section 860E(e)(3) of the Code and (ii) to the Trustee such information as is necessary for the Trustee to provide to the Certificateholders such information or reports as are required by the Code or REMIC Provisions.

 

(f)            The Trustee, the Securities Administrator, the Master Servicer and the Holders of Certificates shall, to the extent within their knowledge and control, take such actions as may be necessary to maintain the status of each REMIC as a REMIC under the REMIC Provisions and shall assist each other as necessary to maintain such status.  None of the Trustee, the Securities Administrator, the Master Servicer or the Holder of any Residual Certificate shall knowingly take any action, cause any 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 result in an Adverse REMIC Event unless the Trustee, the Securities Administrator and the Master Servicer have received an Opinion of Counsel (at the expense of the party seeking to take such action or not to take such action) to the effect that the contemplated action (or inaction, as the case may be) will not cause an Adverse REMIC Event.  In addition, prior to taking any action with respect to any REMIC or the assets therein, or causing any REMIC to take any action, which is not expressly permitted under the terms of this Agreement, any Holder of a Residual Certificate will consult with the Trustee, the Securities Administrator, the Master Servicer or their respective designees, in writing, with respect to whether such action could cause an Adverse REMIC Event to occur with respect to any REMIC, and no such Person shall take any such action or cause any REMIC to take any such action as to which the Trustee, the Securities Administrator or the Master Servicer has advised it in writing that an Adverse REMIC Event could occur; provided, however, that if no Adverse REMIC Event would occur but such action could result in the imposition of additional taxes on the Residual Certificateholders, no such Person shall take any such action, or cause any REMIC to take any such action without the written consent of the other Residual Certificateholders.  The Trustee, the Securities Administrator and the Master Servicer may consult with counsel (and conclusively rely upon the advice of such counsel) to make such written advice, and the cost of the same shall be borne by the party seeking to take the action not expressly permitted by this Agreement, but in no event shall such cost be an expense of the Trustee, Securities Administrator or the Master Servicer.

 

(g)           Each Holder of a Residual Certificate shall pay when due any and all taxes imposed on the related REMIC by federal or state governmental authorities.  To the extent that such taxes are not paid by a Residual Certificateholder, the Securities Administrator or the Paying Agent shall pay any remaining REMIC taxes out of current or future amounts otherwise distributable to the Holder of the Residual Certificate in any such REMIC or, if no such amounts are available, out of other amounts held in the Distribution Account, and shall reduce amounts otherwise payable to holders of regular interests in any such REMIC, as the case may be.

 

(h)           The Securities Administrator shall, for federal income tax purposes, maintain books and records with respect to each REMIC on a calendar year and on an accrual basis.

 

(i)            No additional contributions of assets shall be made to any REMIC, except as expressly provided in this Agreement.

 

(j)            None of the Trustee, the Securities Administrator nor the Master Servicer shall enter into any arrangement by which any REMIC will receive a fee or other compensation for services.

  

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(k)           The Holder (or, if there is more than one such Holder, the Holder with the largest Percentage Interest) of the Class LT-R Certificate is hereby designated as “tax matters person” with respect to the Lower-Tier REMIC and the Holder of the Class R Certificate (or, if there is more than one such Holder, the Holder with the largest Percentage Interest) is hereby designated as “tax matters person” with respect to the Upper-Tier REMIC and each such Holder shall be deemed by the acceptance of its Certificate to have appointed the Securities Administrator to act as its agent to perform the duties of the “tax matters person” for each such REMIC.

 

Section 10.02                  Prohibited Transactions and Activities.

 

None of the Depositor, the Master Servicer or the Trustee shall sell, dispose of, or substitute for any of the Mortgage Loans, except in a disposition pursuant to (i) the foreclosure of a Mortgage Loan, (ii) the bankruptcy of the Trust Fund, (iii) the termination of each REMIC pursuant to Article VII of this Agreement or (iv) a repurchase of Mortgage Loans pursuant to Article II of this Agreement, nor acquire any assets for any REMIC, nor sell or dispose of any investments in the Distribution Account for gain, nor accept any contributions to any REMIC after the Closing Date, unless it has received an Opinion of Counsel (at the expense of the party causing such sale, disposition, or substitution) that such disposition, acquisition, substitution, or acceptance will not (a) result in an Adverse REMIC Event, (b)  adversely affect the distribution of interest or principal on the Certificates or (c) result in the encumbrance of the assets transferred or assigned to the Trust Fund (except pursuant to the provisions of this Agreement).

 

Section 10.03                  Indemnification With Respect to Prohibited Transactions or Loss of REMIC Status.

 

Upon the occurrence of an Adverse REMIC Event due to the negligent performance by either the Securities Administrator or the Master Servicer of its duties and obligations set forth herein, the Securities Administrator or the Master Servicer, as applicable, shall indemnify the Certificateholders of the related Residual Certificate against any and all losses, claims, damages, liabilities or expenses (“Losses”) resulting from such negligence; provided, however, that neither the Securities Administrator nor the Master Servicer shall be liable for any such Losses attributable to the action or inaction of the Depositor, the Trustee or the Holder of the Residual Certificate, nor for any such Losses resulting from misinformation provided by any of the foregoing parties on which the Securities Administrator or the Master Servicer, as applicable, has relied.  Notwithstanding the foregoing, however, in no event shall the Securities Administrator or the Master Servicer have any liability (1) for any action or omission that is taken in accordance with and in compliance with the express terms of, or which is expressly permitted by the terms of, this Agreement or under any Servicing Agreement, (2) for any Losses other than arising out of malfeasance, willful misconduct or negligent performance by the Securities Administrator or the Master Servicer, as applicable, of its duties and obligations set forth herein, and (3) for any special or consequential damages to Certificateholders of the related Residual Certificate (in addition to payment of principal and interest on the Certificates).

Section 10.04                  REO Property.

(a)           Notwithstanding any other provision of this Agreement, the Master Servicer, acting on behalf of the Trustee hereunder, shall not, except to the extent provided in the applicable Servicing Agreement, knowingly permit any Servicer to rent, lease, or otherwise earn income on behalf of any REMIC with respect to any REO Property which might cause an Adverse REMIC Event unless the applicable Servicer has provided to the Trustee and the Securities Administrator an Opinion of Counsel concluding that, under the REMIC Provisions, such action would not result in an Adverse REMIC Event.

  

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(b)           If there is no Controlling Holder under this Agreement, the Depositor shall cause the applicable Servicer (to the extent provided in the related Servicing Agreement) to make reasonable efforts to sell any REO Property for its fair market value. In any event, however, the Depositor shall, or shall cause the applicable Servicer (to the extent provided in the related Servicing Agreement) to, dispose of any REO Property within three years of its acquisition by the Trust Fund unless the Depositor or the applicable Servicer (on behalf of the Trust Fund) has received an extension from the Internal Revenue Service to the effect that, under the REMIC Provisions and any relevant proposed legislation and under applicable state law, the REMIC may hold REO Property for a longer period without causing an Adverse REMIC Event. If such an extension has been received, then the Depositor, acting on behalf of the Trustee hereunder, shall, or shall cause the applicable Servicer to, continue to attempt to sell the REO Property for its fair market value for such period longer than three years as such extension permits (the “Extended Period”). If such an extension has not been received and the Depositor or the applicable Servicer, acting on behalf of the Trust Fund hereunder, is unable to sell the REO Property within 33 months after its acquisition by the Trust Fund, or if such an extension has been received and the Depositor or the applicable Servicer is unable to sell the REO Property within the period ending three months before the close of the Extended Period, the Depositor shall cause the applicable Servicer, before the end of the three year period or the Extended Period, as applicable, to (i) purchase such REO Property at a price equal to the REO Property’s fair market value or (ii) auction the REO Property to the highest bidder (which may be the applicable Servicer) in an auction reasonably designed to produce a fair price prior to the expiration of the three-year period or the Extended Period, as the case may be.

 

ARTICLE XI

MISCELLANEOUS PROVISIONS

 

Section 11.01                  Binding Nature of Agreement; Assignment. 

 

This Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective successors and permitted assigns.

 

Section 11.02                  Entire Agreement. 

 

This Agreement contains the entire agreement and understanding among the parties hereto with respect to the subject matter hereof, and supersedes all prior and contemporaneous agreements, understandings, inducements and conditions, express or implied, oral or written, of any nature whatsoever with respect to the subject matter hereof.  The express terms hereof control and supersede any course of performance and/or usage of the trade inconsistent with any of the terms hereof.

 

Section 11.03                  Amendment. 

 

(a)           This Agreement may be amended from time to time by written agreement between the Depositor, the Master Servicer, the Securities Administrator and the Trustee, without notice to or the consent of any of the Holders, (i) to cure any ambiguity or mistake, (ii) to cause the provisions herein to conform to or be consistent with or in furtherance of the statements made with respect to the Certificates, the Trust Fund or this Agreement in the Prospectus, or to correct or supplement any provision herein which may be inconsistent with any other provisions herein or with the provisions of any Servicing Agreement, (iii) to make any other provisions with respect to matters or questions arising under this Agreement, (iv) to add, delete, or amend any provisions to the extent necessary or desirable to comply with any requirements imposed by the Code and the REMIC Provisions or (v) if necessary in order to avoid a violation of any applicable law or regulation.  No such amendment effected pursuant to the preceding sentence shall, as evidenced by an Opinion of Counsel, result in an Adverse REMIC Event, nor shall such amendment effected pursuant to clause (iii) of such sentence adversely affect in any material respect the interests of any Holder.  Prior to entering into any amendment without the consent of Holders pursuant to this paragraph, the Trustee shall be provided with an Opinion of Counsel (at the expense of the party requesting such amendment) to the effect that such amendment is permitted under this Agreement and, with respect to an amendment effected pursuant to clause (v) above, to the effect that such amendment is necessary in order to avoid a violation of such applicable law. 

  

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(b)           This Agreement may also be amended from time to time by the Depositor, the Master Servicer, the Securities Administrator and the Trustee, with the consent of the Holders of not less than 66-2/3% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of this Agreement or of modifying in any manner the rights of the Holders; provided, however, that no such amendment shall be made unless the Trustee and the Securities Administrator receive an Opinion of Counsel, at the expense of the party requesting the change, that such change will not cause an Adverse REMIC Event; and provided further, that no such amendment may (i) reduce in any manner the amount of, or delay the timing of, payments received on Mortgage Loans which are required to be distributed on any Certificate, without the consent of the Holder of such Certificate or (ii) reduce the aforesaid percentages of Class Principal Amount or Class Notional Amount (or Percentage Interest) of Certificates of each Class, the Holders of which are required to consent to any such amendment without the consent of the Holders of 100% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby.  For purposes of this paragraph, references to “Holder” or “Holders” shall be deemed to include, in the case of any Class of Book-Entry Certificates, the related Certificate Owners.

 

(c)           Promptly after the execution of any such amendment, the Trustee shall furnish written notification of the substance of such amendment to each Holder, the Depositor and the Rating Agency through the Rule 17g-5 Information Provider.  The Securities Administrator and the Certificate Registrar shall cooperate with the Trustee in connection with the Trustee's obligations under this Section 11.03.

 

(d)           It shall not be necessary for the consent of Holders under this Section 10.03 to approve the particular form of any proposed amendment, but it shall be sufficient if such consent shall approve the substance thereof.  The manner of obtaining such consents and of evidencing the authorization of the execution thereof by Holders shall be subject to such reasonable regulations as the Trustee may prescribe.

 

(e)           Notwithstanding anything to the contrary in any Servicing Agreement, the Trustee shall not consent to any amendment of any Servicing Agreement except pursuant to the standards provided in this Section with respect to amendment of this Agreement.  In addition, none of the Trustee, the Master Servicer, the Securities Administrator or the Depositor shall consent to any amendment to any Servicing Agreement unless prior written notice of the substance of such amendment has been delivered to the Rating Agency through the Rule 17g-5 Information Provider.

 

(f)            Prior to the execution of any amendment to this Agreement, each of the Trustee and the Securities Administrator shall be entitled to receive and conclusively rely on an Opinion of Counsel (at the expense of the Person seeking such amendment) stating that the execution of such amendment is authorized and permitted by this Agreement.  The Trustee and the Securities Administrator may, but shall not be obligated to, enter into any such amendment which affects the Trustee’s or the Securities Administrator’s own rights, duties or immunities under this Agreement.

Section 11.04                  Voting Rights. 

 

Except to the extent that the consent of all affected Certificateholders is required pursuant to this Agreement, with respect to any provision of this Agreement requiring the consent of Certificateholders representing specified percentages of aggregate outstanding Certificate Principal Amount or Class Notional Amount (or Percentage Interest), Certificates owned by the Depositor, the Master Servicer, the Securities Administrator, the Trustee, any Servicer or any Affiliate thereof are not to be counted so long as such Certificates are owned by the Depositor, the Master Servicer, the Securities Administrator, the Trustee, any Servicer or any Affiliate thereof.

  

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Section 11.05                  Provision of Information. 

 

(a)           For so long as any of the Certificates of any Class are “restricted securities” within the meaning of Rule 144(a)(3) under the Securities Act, each of the Depositor, the Master Servicer, the Securities Administrator and the Trustee agree to cooperate with each other to provide to any Certificateholders and to any prospective purchaser of Certificates designated by such holder, upon the request of such holder or prospective purchaser, any information required to be provided to such holder or prospective purchaser to satisfy the condition set forth in Rule 144A(d)(4) under the Securities Act.  Any reasonable, out-of-pocket expenses incurred by the Trustee, the Master Servicer or the Securities Administrator in providing such information shall be reimbursed by the Depositor.

(b)           The Securities Administrator shall provide to any person to whom a Prospectus was delivered, upon the written request of such person specifying the document or documents requested, (i) a copy (excluding exhibits) of any report on Form 8-K, Form 10-D or Form 10-K (or other prescribed form) filed with the Securities and Exchange Commission pursuant to Section 6.21 and (ii) a copy of any other document incorporated by reference in the Prospectus.  Any reasonable out-of-pocket expenses incurred by the Securities Administrator in providing copies of such documents shall be reimbursed by the Depositor.

 

(c)           On each Distribution Date, the Securities Administrator shall deliver or cause to be delivered by first class mail or make available on its website to the Depositor, Attention:  Contract Finance, a copy of the report delivered to Certificateholders pursuant to Section 4.02.

 

Section 11.06                  Governing Law. 

 

THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT REGARD TO CONFLICT OF LAWS PROVISIONS (OTHER THAN SECTION 5-1401 OF THE GENERAL OBLIGATIONS LAW), AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS.

 

Section 11.07                  Notices. 

 

(a)           All demands, notices and communications required to be delivered to the Depositor, the Seller, the Trustee, the Master Servicer, the Securities Administrator or the Certificate Registrar hereunder shall be in writing and shall be deemed to have been duly given if (i) personally delivered, (ii) mailed by registered mail, postage prepaid, (iii) delivered by overnight courier, or (iv) transmitted via email, telegraph or facsimile, in each instance at the address listed below, or such other address as may hereafter be furnished by any party to the other parties in writing:

For posting by the Rule 17g-5 Information Provider:

rmbs17g5informationprovider@wellsfargo.com

In the case of the Depositor:

Sequoia Residential Funding, Inc.

One Belvedere Place, Suite 330

Mill Valley, CA 94941

Facsimile number (415) 381-1773

Electronic mail address: Sequoia.Notices@redwoodtrust.com

Attention:  Sequoia Mortgage Trust 2011-2

  

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In the case of the Seller:

Redwood Residential Acquisition Corporation

One Belvedere Place, Suite 330

Mill Valley, CA 94941

Facsimile number (415) 381-1773

Electronic mail address: Sequoia.Notices@redwoodtrust.com

Attention:  Sequoia Mortgage Trust 2011-2

In the case of the Master Servicer and the Securities Administrator:

Wells Fargo Bank, N.A.

P.O. Box 98

Columbia, Maryland  21046

(or, for overnight deliveries:

9062 Old Annapolis Road

Columbia, Maryland 21045)

Telephone number:  (410) 884-2000

Facsimile number: (410) 715-2380

Electronic mail address:  g=cts-spg-team-a-5@wellsfargo.com

Attention:  Client Manager — Sequoia Mortgage Trust 2011-2

In the case of the Certificate Registrar:

Wells Fargo Bank, N.A.

Sixth Street and Marquette Avenue

Minneapolis, Minnesota  55479

Facsimile number: 1-866-614-1273

Electronic mail address: g=cts-spg-team-a-5@wellsfargo.com

Attention: Corporate Trust Services — Sequoia Mortgage Trust 2011-2

In the case of the Trustee:

U.S. Bank National Association

Structured Finance

60 Livingston Avenue

EP-MN-WS3D

St. Paul, Minnesota, 55107

Attention: Sequoia Mortgage Loan Trust 2011-2

Any such demand, notice or communication shall be deemed to have been received on the date delivered to the premises of the addressee and (A) if delivered by registered mail, overnight courier, or facsimile, as evidenced by the date noted on a return or confirmation of receipt and (B) if delivered by electronic mail, when sent to the address specified above, provided no error or rejection message has been received by the sender.

(b)           Notices to any Certificateholder shall be deemed to be duly given by any party hereto (i) in the case of any holder of a Definitive Certificate, on the date mailed, first class postage prepaid, to the address of such holder as included on the certificate register, or (ii) in the case of any book-entry certificate, on the date when such notice or communication is delivered to the Clearing Agency, it being understood that the Clearing Agency shall give such notices and communications to the related underlying participants in accordance with its applicable rules, regulations and procedures.

  

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All notices or communications to Certificateholders shall also be posted and made available to all Certificateholders, whether definitive or book-entry, as well as the Depositor, the Master Servicer, the Securities Administrator and the Trustee, by the Securities Administrator on the Securities Administrator website located at www.ctslink.com.  Unless otherwise expressly provided for herein, all notices and communications required to be delivered hereunder shall be delivered to such parties and Certificateholders and posted by the Securities Administrator on the Securities Administrator 's website, in each instance, as soon as reasonably practicable.

 

Section 11.08                  Severability of Provisions. 

 

If any one or more of the covenants, agreements, provisions or terms of this Agreement shall be for any reason whatsoever held invalid, then such covenants, agreements, provisions or terms shall be deemed severable from the remaining covenants, agreements, provisions or terms of this Agreement and shall in no way affect the validity or enforceability of the other provisions of this Agreement or of the Certificates or the rights of the Holders thereof.

 

Section 11.09                  Indulgences; No Waivers. 

 

Neither the failure nor any delay on the part of a party to exercise any right, remedy, power or privilege under this Agreement shall operate as a waiver thereof, nor shall any single or partial exercise of any right, remedy, power or privilege preclude any other or further exercise of the same or of any other right, remedy, power or privilege, nor shall any waiver of any right, remedy, power or privilege with respect to any occurrence be construed as a waiver of such right, remedy, power or privilege with respect to any other occurrence.  No waiver shall be effective unless it is in writing and is signed by the party asserted to have granted such waiver.

 

Section 11.10                  Headings Not to Affect Interpretation. 

 

The headings contained in this Agreement are for convenience of reference only, and they shall not be used in the interpretation hereof.

 

Section 11.11                  Benefits of Agreement. 

 

Nothing in this Agreement or in the Certificates, express or implied, shall give to any Person, other than the parties to this Agreement and their successors hereunder and the Holders of the Certificates, any benefit or any legal or equitable right, power, remedy or claim under this Agreement.

 

Section 11.12                  Special Notices to the Rating Agency. 

 

(a)           The Depositor shall give prompt notice to the Rating Agency through the Rule 17g-5 Information of the occurrence of any of the following events of which it has notice:

 

(i)            any amendment to this Agreement pursuant to Section 11.03, including prior advance written notice of any amendment to this Agreement pursuant to Section 11.03(a);

 

(ii)           any assignment by the Master Servicer of its rights hereunder or delegation of its duties hereunder;

(iii)          the occurrence of any Event of Default and any waiver of any Event of Default pursuant to Section 6.14;

  

94

  

(iv)          any notice of termination given to the Master Servicer pursuant to Section 6.14 and any resignation of the Master Servicer hereunder;

(v)           the termination of any successor to any Master Servicer pursuant to Section 6.14;

 

(vi)          the making of a final payment pursuant to Section 7.01; and

 

(vii)         any termination of the rights and obligations of a Servicer under any Servicing Agreement and any transfer of servicing under any Servicing Agreement.

 

(b)           All notices to the Rating Agency provided for in this Section shall be in writing and sent first to the Rule 17g-5 Information Provider and then by first class mail, telecopy, electronic mail or overnight courier, as follows:

Fitch, Inc.

One State Street Plaza, 30th Floor

New York, NY  10004

Attn: SEMT 2011-2

(c)           The Securities Administrator shall provide or make available to the Rating Agency through the Rule 17g-5 Information Provider reports prepared pursuant to Section 4.02 and the reports filed on Form 10-K pursuant to Section 6.21(b)(i)(1) through (4).  In addition, the Securities Administrator shall, at the expense of the Trust Fund, make available to the Rating Agency through the Rule 17g-5 Information Provider such information as the Rating Agency may reasonably request regarding the Certificates or the Trust Fund, to the extent that such information is reasonably available to the Securities Administrator; provided, the Securities Administrator shall not be required to post to the Rule 17g-5 Website any information previously posted to and available on the Securities Administrator’s website.

 

Section 11.13                  Conflicts. 

 

To the extent that the terms of this Agreement conflict with the terms of any Servicing Agreement, the related Servicing Agreement shall govern.

 

Section 11.14                  Counterparts. 

 

This Agreement may be executed in one or more counterparts, each of which shall be deemed to be an original, and all of which together shall constitute one and the same instrument.

 

Section 11.15                  No Petitions.

 

The Trustee and the Master Servicer, by entering into this Agreement, and each Certificateholder, by accepting a Certificate, hereby covenant and agree that they shall not at any time institute against the Depositor, or join in any institution against the Depositor of, any bankruptcy, reorganization, arrangement, insolvency or liquidation proceedings, or other proceedings under any United States federal or state bankruptcy or similar law in connection with any obligations relating to the Certificates, this Agreement or any of the documents entered into by the Depositor in connection with the transactions contemplated by this Agreement.

  

95

  

IN WITNESS WHEREOF, the parties hereto have caused their names to be signed hereto by their respective officers hereunto duly authorized as of the day and year first above written.

 

	
SEQUOIA RESIDENTIAL FUNDING, INC.,

	 
	
as Depositor

	 
	
 

	  	 
	
By:

	  	 
	
Name:

	 
	
Title:

	 

 

	
U.S. BANK NATIONAL ASSOCIATION,

	 
	
as Trustee

	 
	
 

	  	 
	
By:

	  	 
	
Name:

	 
	
Title:

	 

 

	
WELLS FARGO BANK, N.A.,

	 
	
as Master Servicer

	 
	
 

	  	 
	
By:

	  	 
	
Name:

	 
	
Title:

	 

	
WELLS FARGO BANK, N.A.,

	 
	
as Securities Administrator and Rule 17g-5 Information Provider

	
 

	   	 
	
By:

	  	 
	
Name:

	 
	
Title:

	 

  

96

  

	
Solely for purposes of Section 2.04 and Section 2.06(b)

	 
	
accepted and agreed to by:

	 
	  	  	 
	
REDWOOD RESIDENTIAL ACQUISITION CORPORATION,

	
as Seller

	 
	  	  	 
	
By:

	  	 
	  	
Name:

	 
	  	
Authorized Signatory

	 

	
Solely for purposes of Section 2.07

	 
	
accepted and agreed to by:

	 
	  	 
	
SEQUOIA MORTGAGE FUNDING CORPORATION,

	
as Controlling Holder

	 
	  	  	 
	
By:

	  	 
	  	
Name:

	 
	  	
Authorized Signatory

	 

  

97

  

EXHIBIT A

FORMS OF CERTIFICATES

 

 

THIS CERTIFICATE IS A REMIC REGULAR INTEREST CERTIFICATE. THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, AND IS NOT GUARANTEED BY, THE DEPOSITOR, THE TRUSTEE, THE SECURITIES ADMINISTRATOR, THE MASTER SERVICER OR ANY AFFILIATE OF ANY OF THEM AND IS NOT INSURED OR GUARANTEED BY ANY GOVERNMENTAL AGENCY OR PRIVATE INSURER.

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL AMOUNT OF THIS CERTIFICATE MAY BE MADE IN INSTALLMENTS AS SET FORTH HEREIN. ACCORDINGLY, THE CERTIFICATE PRINCIPAL AMOUNT OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ON THE FACE HEREOF.

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC, ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL, INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

THE HOLDER AND ANY TRANSFEREE OF THIS CERTIFICATE WILL BE DEEMED TO HAVE REPRESENTED BY VIRTUE OF ITS PURCHASE OR HOLDING OF THIS CERTIFICATE (OR INTEREST THEREIN) THAT EITHER (A) SUCH HOLDER OR TRANSFEREE IS NOT AN EMPLOYEE BENEFIT PLAN OR OTHER PLAN OR ARRANGEMENT SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR SECTION 4975 OF THE CODE OR A PERSON (INCLUDING AN INSURANCE COMPANY INVESTING ITS GENERAL ACCOUNT, AN INVESTMENT MANAGER, A NAMED FIDUCIARY OR A TRUSTEE OF ANY SUCH PLAN) WHO IS USING “PLAN ASSETS” OF ANY SUCH PLAN TO EFFECT SUCH ACQUISITION (EACH OF THE FOREGOING, A “PLAN INVESTOR”), (B) IT HAS ACQUIRED AND IS HOLDING THIS CERTIFICATE IN RELIANCE ON U.S. DEPARTMENT OF LABOR PROHIBITED TRANSACTION EXEMPTION (“PTE”) 89-90, AS AMENDED, (THE “UNDERWRITER EXEMPTION”), AND THAT IT UNDERSTANDS THAT THERE ARE CERTAIN CONDITIONS TO THE AVAILABILITY OF THE UNDERWRITER EXEMPTION INCLUDING THAT THIS CERTIFICATE MUST BE RATED, AT THE TIME OF PURCHASE, NOT LOWER THAN “BBB-” (OR ITS EQUIVALENT) BY STANDARD & POOR’S, FITCH, MOODY’S, DBRS LIMITED OR DBRS, INC. OR (C) (I) THE TRANSFEREE IS AN INSURANCE COMPANY, (II) THE SOURCE OF FUNDS USED TO PURCHASE OR HOLD THIS CERTIFICATE IS AN “INSURANCE COMPANY GENERAL ACCOUNT” (AS DEFINED IN U.S. DEPARTMENT OF LABOR PROHIBITED TRANSACTION CLASS EXEMPTION (“PTCE”) 95-60), AND (III) THE CONDITIONS SET FORTH IN SECTIONS I AND III OF PTCE 95-60 HAVE BEEN SATISFIED (EACH ENTITY 

 

  

A-1

  

 

THAT SATISFIES THIS CLAUSE (C), A “COMPLYING INSURANCE COMPANY”).

IF THIS CERTIFICATE (OR ANY INTEREST THEREIN) IS ACQUIRED OR HELD BY ANY PERSON THAT DOES NOT SATISFY THE CONDITIONS DESCRIBED IN THE PRECEDING PARAGRAPH, THEN THE LAST PRECEDING TRANSFEREE THAT EITHER (I) IS NOT A PLAN INVESTOR, (II) ACQUIRED SUCH CERTIFICATE IN COMPLIANCE WITH THE UNDERWRITER EXEMPTION, OR (III) IS A COMPLYING INSURANCE COMPANY SHALL BE RESTORED, TO THE EXTENT PERMITTED BY LAW, TO ALL RIGHTS AND OBLIGATIONS AS CERTIFICATE OWNER THEREOF RETROACTIVE TO THE DATE OF SUCH TRANSFER OF THIS CERTIFICATE. THE TRUSTEE SHALL BE UNDER NO LIABILITY TO ANY PERSON FOR MAKING ANY PAYMENTS DUE ON THIS CERTIFICATE TO SUCH PRECEDING TRANSFEREE.

ANY PURPORTED CERTIFICATE OWNER WHOSE ACQUISITION OR HOLDING OF THIS CERTIFICATE (OR INTEREST THEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS IN SECTION 3.03 OF THE AGREEMENT SHALL INDEMNIFY AND HOLD HARMLESS THE CERTIFICATE REGISTRAR, THE DEPOSITOR, THE TRUSTEE AND THE TRUST FUND FROM AND AGAINST ANY AND ALL LIABILITIES, CLAIMS, COSTS OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR HOLDING.

SEQUOIA MORTGAGE TRUST 2011-2

MORTGAGE PASS-THROUGH CERTIFICATES, CLASS A-l

Evidencing a beneficial interest in a pool of residential mortgage loans and any other assets established by

SEQUOIA RESIDENTIAL FUNDING, INC.

	
Initial Class Principal

Amount of the Class A-1

Certificates: $347,460,000

 

 

Certificate Interest Rate: Adjustable

 

 

Final Scheduled Distribution

Date: September 2041

 

 

NUMBER 1

	
Initial Certificate

Principal Amount of this

Certificates: $347,460,000

 

 

Cut-off Date: September 1, 2011

 

 

 

 

 

 

CUSIP: 81744Q AA1

  

A-2

  

THIS CERTIFIES THAT CEDE & CO. is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Amount of this Certificate by the initial Class Principal Amount of all Class A-1 Certificates, both as specified above) in a Trust Fund, the assets of which consist of the Mortgage Loans and all interest and principal received thereon after the Cut-off Date (other than Scheduled Payments due on or prior to the Cut-off Date), the rights of the Seller and the Depositor assigned to the Trustee under each Purchase Agreement, each Servicing Agreement, the Mortgage Loan Purchase and Sale Agreement, the Insurance Policies relating to the Mortgage Loans, all cash, instruments or property held or required to be held in the Custodial Accounts and the Distribution Account and property that secured a Mortgage Loan; and certain other assets, if any, as described in the Pooling and Servicing Agreement (the foregoing assets hereinafter collectively referred to as the “Trust Fund”).

Distributions on this Certificate will be made on the 25th day of each month or, if such day is not a Business Day, then on the succeeding Business Day, commencing in October 2011 (each, a “Distribution Date”), to the Person in whose name this Certificate is registered at the close of business on the last Business Day preceding such Distribution Date (the “Record Date”), in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount, if any, required to be distributed to all Certificates of the Class represented by this Certificate. All sums distributable on this Certificate are payable in the coin or currency of the United States of America which at the time of payment is legal tender for the payment of public and private debts.

Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which shall have the same effect as though fully set forth on the face of this Certificate.

Unless the certificate of authentication hereon has been executed by or on behalf of the Authenticating Agent, whose name appears below by manual signature, this Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose.

  

A-3

  

IN WITNESS WHEREOF, U.S. Bank National Association, as Trustee, has caused this Certificate to be duly executed.

U.S. BANK NATIONAL ASSOCIATION,

as Trustee

By:                                                   

AUTHORIZED SIGNATORY

Dated:                                               

CERTIFICATE AUTHENTICATION

This is one of the Certificates referred to in the within-mentioned Pooling and Servicing Agreement.

WELLS FARGO BANK, N.A.,

as Authenticating Agent

By:                                                   

AUTHORIZED SIGNATORY

Dated:                                               

  

A-4

  

SEQUOIA MORTGAGE TRUST 2011-2

MORTGAGE PASS-THROUGH CERTIFICATE

This Certificate is one of a duly authorized issue of certificates designated as Sequoia Mortgage Trust 2011-2 Mortgage Pass-Through Certificates (the “Certificates”), representing all or part of a beneficial ownership interest in a Trust Fund established pursuant to a Pooling and Servicing Agreement, dated as of September 1, 2011 (the “Pooling and Servicing Agreement”), among Sequoia Residential Funding, Inc., as depositor (the “Depositor”), Wells Fargo Bank, N.A., as master servicer (in such capacity, the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”) and U.S. Bank National Association, as trustee (the “Trustee”), to which terms, provisions and conditions thereof the Holder of this Certificate by virtue of the acceptance hereof assents, and by which such Holder is bound. Except as otherwise defined herein, all capitalized terms used herein shall have the meanings ascribed to them in the Pooling and Servicing Agreement. The Certificates consist of the following Classes: Class A-1, Class R, Class LT-R, Class A-IO, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5.

On each Distribution Date, the Paying Agent, on behalf of the Trustee, will make distributions from the Distribution Account to the Holders of Certificates according to the terms of the Pooling and Servicing Agreement.  All distributions or allocations made with respect to each Class of Certificates on each Distribution Date shall be allocated among the outstanding Certificates of such Class based on the Certificate Principal Amount (or Notional Amount) of each such Certificate.

Distributions on this Certificate will be made by check mailed to the Holder of record of this Certificate on the immediately preceding Record Date at the address of such Holder as its appears on the Certificate Register or, upon written request made to the Securities Administrator at least five Business Days prior to the related Record Date, by any Certificateholder owning an aggregate initial Certificate Principal Amount of at least $1,000,000 or, in the case of the Class of A-IO Certificates or any Residual Certificate, a Percentage Interest of 100%, by wire transfer in immediately available funds to an account specified in such request and at the expense of such Certificateholder requesting such wire transfer by deducting a wire transfer fee from the related distribution; provided, however, that the final distribution in respect of any Certificate shall be made only upon presentation and surrender of such Certificate at the Corporate Trust Office (as defined below); provided, further, that the foregoing provisions shall not apply to any Certificate as long as such Certificate remains a Book-Entry Certificate, in which case all payments made shall be made through the Clearing Agency and its Clearing Agency Participants.  Notwithstanding such final payment of principal of any of the Certificates, each Residual Certificate will remain outstanding until the termination of the related REMIC or REMICs and the payment in full of all other amounts due with respects to the Residual Certificates and at such time such final payment in retirement of any Residual Certificate will be made only upon presentation and surrender of such Certificate at the Corporate Trust Office.

The Corporate Trust Office with respect to the presentment and surrender of Certificates for the final distribution thereon is the corporate trust office of the Certificate Registrar at Sixth Street and Marquette Avenue, Minneapolis, Minnesota 55479, Attention: Corporate Trust Services -- Sequoia Mortgage Trust 2011-2 or at such other address as the Securities Administrator may designate from time to time.

  

A-5

  

The Pooling and Servicing Agreement may be amended by the Trustee, the Master Servicer, the Securities Administrator, and the Depositor with the consent of the Holders of not less than 66-2/3% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of the Pooling and Servicing Agreement or of modifying in any manner the rights of the Holders; provided, however, that no such amendment shall be made unless the Trustee and the Securities Administrator receive an Opinion of Counsel, at the expense of the party requesting the change, that such change will not cause an Adverse REMIC Event; and provided further, that no such amendment may (i) reduce in any manner the amount of, or delay the timing of, payments received on Mortgage Loans which are required to be distributed on any Certificate, without the consent of the Holder of such Certificate or (ii) reduce the aforesaid percentages of Class Principal Amount or Class Notional Amount (or Percentage Interest) of Certificates of each Class, the Holders of which are required to consent to any such amendment without the consent of the Holders of 100% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby.  For purposes of this paragraph, references to “Holder” or “Holders” shall be deemed to include, in the case of any Class of Book-Entry Certificates, the related Certificate Owners.  Any consent by the Holder of this Certificate will be conclusive and binding upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not consent is made with respect to such Certificate.  The Pooling and Servicing Agreement also permits the amendment thereof in certain limited circumstances without the consent of the Holders.

As provided in the Pooling and Servicing Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registerable in the Certificate Register upon surrender of this Certificate for registration of transfer at the Corporate Trust Office, duly endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by the Holder thereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class of authorized denominations evidencing the same initial Certificate Principal Amount (or Notional Amount) will be issued to the designated transferee or transferees.  As provided in the Pooling and Servicing Agreement and subject to certain limitations therein set forth, this Certificate is exchangeable for new Certificates of the same Class evidencing the same aggregate initial Certificate Principal Amount (or Notional Amount) as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or governmental charge that may be imposed in connection with any exchange of Certificates.

The Class A-1, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5 Certificates are issuable only in registered form in minimum denominations of $100,000 in initial Certificate Principal Amount and in integral multiples of $1 in excess thereof and, in the case of the A-1, Class B-1, Class B-2 and Class B-3 Certificates, will be registered in the name of the nominee of the Clearing Agency, which shall maintain such Certificates through its book-entry facilities and, in the case of the Class B-4 and Class B-5 Certificates, will be maintained in physical form.  The Class A-IO Certificate is issuable only in registered form as a single Certificate representing the entire Percentage Interest in that Class and will be registered in the name of the nominee of the Clearing Agency, which shall maintain such Certificates through its book-entry facilities.  The Class R, and Class LT-R Certificates will each be issued as a single Certificate representing the entire Percentage Interest in that Class and will be maintained in physical form. The Certificates shall remain outstanding until the final Distribution Date for the Certificates.

  

A-6

  

On any date on which the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 20% of the initial Aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date, subject to satisfaction of the conditions described in the Pooling and Servicing Agreement, the Holder of the Class LT-R Certificate may purchase all of the Mortgage Loans from the Trust Fund, thereby causing an early retirement of the Certificates.  If this right is not exercised by the Holder of the Class LT-R Certificate, the Master Servicer will have the option to purchase all of the Mortgage Loans from the Trust Fund on any date on which the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 5% of the initial Aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.

In no event will the trust created by the Pooling and Servicing Agreement continue beyond the expiration of 21 years from the death of the last survivor of the descendants living at the date of the Pooling and Servicing Agreement of a certain person named in the Pooling and Servicing Agreement.

The Depositor, the Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar and any agent of any of them may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar or any such agent shall be affected by any notice to the contrary.

As provided in the Pooling and Servicing Agreement, this Certificate and the Pooling and Servicing Agreement shall be construed in accordance with and governed by the laws of the State of New York without regard to the conflict of laws principles applied in the State of New York.  In the event of any conflict between the provisions of this Certificate and the Pooling and Servicing Agreement, the Pooling and Servicing Agreement shall be controlling.

  

A-7

  

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s) and assign(s) and transfer(s) unto

	  
	  

(Please print or type name and address, including postal zip code, of assignee and social security number or employer identification number)

	  

the within Certificate stating in the names of the undersigned in the Certificate Register and does hereby irrevocably constitute and appoint

	  

to transfer such Certificate in such Certificate Register.

 

I [we] further direct the Certificate Registrar to issue a new Certificate of the same Class of like principal to the above-named assignee and deliver such Certificate to the following address:

	  
	  
	  
	  	  	 	  
	
Dated:

	  	 	  
	  	 	
Signature by or on behalf of Assignor

	  	 	  
	
Authorized Officer

	 	
Signature Guaranteed

	  	 	  
	  	 	  
	
Name of Institution

	 	
NOTICE: The signature(s) of this assignment must correspond with the name(s) on the face of this Certificate without alteration or any change whatsoever.  The signature must be guaranteed by a participant in the Securities Transfer Agents Medallion Program, the New York Stock Exchange Medallion Signature Program or the Stock Exchanges Medallion Program.  Notarized or witnessed signatures are not acceptable as guaranteed signatures.

  

A-8

  

DISTRIBUTION INSTRUCTIONS

 

The assignee should include the following for the information of the Certificate Registrar.  Distributions shall be made by wire transfer in immediately available funds to

 

___________________________________________________________________________________________________________

 

for the account of ___________________________________  account number ___________________________ or, if mailed by check, 

 

to  ____________________________________

 

___________________________________________________________________________________________________________

 

Applicable reports and statements should be mailed to  _________________________________________________________________

 

___________________________________________________________________________________________________________

 

This information is provided by  ___________________________________________________________________________

 

the assignee named above, or ___________________________________________________ as its agent.

 

  

A-9

  

THIS CERTIFICATE IS A REMIC REGULAR INTEREST CERTIFICATE. THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, AND IS NOT GUARANTEED BY, THE DEPOSITOR, THE TRUSTEE, THE SECURITIES ADMINISTRATOR, THE MASTER SERVICER OR ANY AFFILIATE OF ANY OF THEM AND IS NOT INSURED OR GUARANTEED BY ANY GOVERNMENTAL AGENCY OR PRIVATE INSURER.

THIS IS AN INTEREST-ONLY CERTIFICATE THAT IS NOT ENTITLED TO ANY DISTRIBUTIONS WITH RESPECT TO PRINCIPAL.  THE CERTIFICATE NOTIONAL AMOUNT OF THIS CERTIFICATE WILL BE REDUCED AS SET FORTH HEREIN. ACCORDINGLY, THE CERTIFICATE NOTIONAL AMOUNT OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ON THE FACE HEREOF.

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC, ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL, INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "1933 ACT"), OR ANY STATE SECURITIES LAWS. NEITHER THIS CERTIFICATE NOR ANY INTEREST OR PARTICIPATION HEREIN MAY BE REOFFERED, SOLD, ASSIGNED, TRANSFERRED, PLEDGED, ENCUMBERED OR OTHERWISE DISPOSED OF IN THE ABSENCE OF SUCH REGISTRATION, UNLESS SUCH TRANSACTION IS EXEMPT FROM, OR NOT SUBJECT TO, REGISTRATION.

THE HOLDER OF THIS CERTIFICATE BY ITS ACCEPTANCE HEREOF AGREES TO OFFER, SELL OR OTHERWISE TRANSFER SUCH CERTIFICATE ONLY TO PERSON IT REASONABLY BELIEVES IS A "QUALIFIED INSTITUTIONAL BUYER" AS DEFINED IN RULE 144A UNDER THE 1933 ACT THAT PURCHASES FOR ITS OWN ACCOUNT OR FOR THE ACCOUNT OF A QUALIFIED INSTITUTIONAL BUYER TO WHOM NOTICE IS GIVEN THAT THE TRANSFER IS BEING MADE IN RELIANCE ON RULE 144A, SUBJECT TO THE CERTIFICATE REGISTRAR'S RIGHT PRIOR TO ANY SUCH OFFER, SALE OR TRANSFER TO REQUIRE THE DELIVERY OF A CERTIFICATE OF TRANSFER IN THE FORM APPEARING IN THE POOLING AND SERVICING AGREEMENT.

THE HOLDER AND ANY TRANSFEREE OF THIS CERTIFICATE WILL BE DEEMED TO HAVE REPRESENTED BY VIRTUE OF ITS PURCHASE OR HOLDING OF THIS CERTIFICATE (OR INTEREST THEREIN) THAT EITHER (A) SUCH HOLDER OR TRANSFEREE IS NOT AN EMPLOYEE BENEFIT PLAN OR OTHER PLAN OR

  

A-10

  

ARRANGEMENT SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR SECTION 4975 OF THE CODE OR A PERSON (INCLUDING AN INSURANCE COMPANY INVESTING ITS GENERAL ACCOUNT, AN INVESTMENT MANAGER, A NAMED FIDUCIARY OR A TRUSTEE OF ANY SUCH PLAN) WHO IS USING “PLAN ASSETS” OF ANY SUCH PLAN TO EFFECT SUCH ACQUISITION (EACH OF THE FOREGOING, A “PLAN INVESTOR”), (B) IT HAS ACQUIRED AND IS HOLDING THIS CERTIFICATE IN RELIANCE ON U.S. DEPARTMENT OF LABOR PROHIBITED TRANSACTION EXEMPTION (“PTE”) 89-90, AS AMENDED, (THE “UNDERWRITER EXEMPTION”), AND THAT IT UNDERSTANDS THAT THERE ARE CERTAIN CONDITIONS TO THE AVAILABILITY OF THE UNDERWRITER EXEMPTION INCLUDING THAT THIS CERTIFICATE MUST BE RATED, AT THE TIME OF PURCHASE, NOT LOWER THAN “BBB-” (OR ITS EQUIVALENT) BY STANDARD & POOR’S, FITCH, MOODY’S, DBRS LIMITED OR DBRS, INC. OR (C) (I) THE TRANSFEREE IS AN INSURANCE COMPANY, (II) THE SOURCE OF FUNDS USED TO PURCHASE OR HOLD THIS CERTIFICATE IS AN “INSURANCE COMPANY GENERAL ACCOUNT” (AS DEFINED IN U.S. DEPARTMENT OF LABOR PROHIBITED TRANSACTION CLASS EXEMPTION (“PTCE”) 95-60), AND (III) THE CONDITIONS SET FORTH IN SECTIONS I AND III OF PTCE 95-60 HAVE BEEN SATISFIED (EACH ENTITY THAT SATISFIES THIS CLAUSE (C), A “COMPLYING INSURANCE COMPANY”).

IF THIS CERTIFICATE (OR ANY INTEREST THEREIN) IS ACQUIRED OR HELD BY ANY PERSON THAT DOES NOT SATISFY THE CONDITIONS DESCRIBED IN THE PRECEDING PARAGRAPH, THEN THE LAST PRECEDING TRANSFEREE THAT EITHER (I) IS NOT A PLAN INVESTOR, (II) ACQUIRED SUCH CERTIFICATE IN COMPLIANCE WITH THE UNDERWRITER EXEMPTION, OR (III) IS A COMPLYING INSURANCE COMPANY SHALL BE RESTORED, TO THE EXTENT PERMITTED BY LAW, TO ALL RIGHTS AND OBLIGATIONS AS CERTIFICATE OWNER THEREOF RETROACTIVE TO THE DATE OF SUCH TRANSFER OF THIS CERTIFICATE. THE TRUSTEE SHALL BE UNDER NO LIABILITY TO ANY PERSON FOR MAKING ANY PAYMENTS DUE ON THIS CERTIFICATE TO SUCH PRECEDING TRANSFEREE.

ANY PURPORTED CERTIFICATE OWNER WHOSE ACQUISITION OR HOLDING OF THIS CERTIFICATE (OR INTEREST THEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS IN SECTION 3.03 OF THE AGREEMENT SHALL INDEMNIFY AND HOLD HARMLESS THE CERTIFICATE REGISTRAR, THE DEPOSITOR, THE TRUSTEE AND THE TRUST FUND FROM AND AGAINST ANY AND ALL LIABILITIES, CLAIMS, COSTS OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR HOLDING.

 

  

A-11

  

SEQUOIA MORTGAGE TRUST 2011-2

MORTGAGE PASS-THROUGH CERTIFICATES, CLASS A-IO

Evidencing a beneficial interest in a pool of residential mortgage loans and any other assets established by

SEQUOIA RESIDENTIAL FUNDING, INC.

	
Initial Class Notional

	
Initial Certificate

	
Amount of the Class A-IO

	
Notional Amount of this

	
Certificates: $347,460,000

	
Certificates: $347,460,000

	  	  
	  	  
	
Certificate Interest Rate: Adjustable

	
Cut-off Date: September 1, 2011

	  	  
	  	  
	
Final Scheduled Distribution

	  
	
Date: September 2041

	  
	  	  
	  	  
	
NUMBER 1

	
CUSIP: 81744Q AE3

  

A-12

  

THIS CERTIFIES THAT CEDE & CO. is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Notional Amount of this Certificate by the initial Class Notional Amount of all Class A-IO Certificates, both as specified above) in a Trust Fund, the assets of which consist of the Mortgage Loans and all interest and principal received thereon after the Cut-off Date (other than Scheduled Payments due on or prior to the Cut-off Date), the rights of the Seller and the Depositor assigned to the Trustee under each Purchase Agreement, each Servicing Agreement, the Mortgage Loan Purchase and Sale Agreement, the Insurance Policies relating to the Mortgage Loans, all cash, instruments or property held or required to be held in the Custodial Accounts and the Distribution Account and property that secured a Mortgage Loan; and certain other assets, if any, as described in the Pooling and Servicing Agreement (the foregoing assets hereinafter collectively referred to as the “Trust Fund”).

Distributions on this Certificate will be made on the 25th day of each month or, if such day is not a Business Day, then on the succeeding Business Day, commencing in October 2011 (each, a “Distribution Date”), to the Person in whose name this Certificate is registered at the close of business on the last Business Day preceding such Distribution Date (the “Record Date”), in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount, if any, required to be distributed to all Certificates of the Class represented by this Certificate. All sums distributable on this Certificate are payable in the coin or currency of the United States of America which at the time of payment is legal tender for the payment of public and private debts.

Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which shall have the same effect as though fully set forth on the face of this Certificate.

Unless the certificate of authentication hereon has been executed by or on behalf of the Authenticating Agent, whose name appears below by manual signature, this Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose.

  

A-13

  

IN WITNESS WHEREOF, U.S. Bank National Association, as Trustee, has caused this Certificate to be duly executed.

U.S. BANK NATIONAL ASSOCIATION,

as Trustee

By:                                                   

AUTHORIZED SIGNATORY

Dated:                                               

CERTIFICATE AUTHENTICATION

This is one of the Certificates referred to in the within-mentioned Pooling and Servicing Agreement.

WELLS FARGO BANK, N.A.,

as Authenticating Agent

By:                                                   

AUTHORIZED SIGNATORY

Dated:                                               

  

A-14

  

SEQUOIA MORTGAGE TRUST 2011-2

MORTGAGE PASS-THROUGH CERTIFICATE

This Certificate is one of a duly authorized issue of certificates designated as Sequoia Mortgage Trust 2011-2 Mortgage Pass-Through Certificates (the “Certificates”), representing all or part of a beneficial ownership interest in a Trust Fund established pursuant to a Pooling and Servicing Agreement, dated as of September 1, 2011 (the “Pooling and Servicing Agreement”), among Sequoia Residential Funding, Inc., as depositor (the “Depositor”), Wells Fargo Bank, N.A., as master servicer (in such capacity, the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”) and U.S. Bank National Association, as trustee (the “Trustee”), to which terms, provisions and conditions thereof the Holder of this Certificate by virtue of the acceptance hereof assents, and by which such Holder is bound. Except as otherwise defined herein, all capitalized terms used herein shall have the meanings ascribed to them in the Pooling and Servicing Agreement. The Certificates consist of the following Classes: Class A-1, Class R, Class LT-R, Class A-IO, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5.

On each Distribution Date, the Paying Agent, on behalf of the Trustee, will make distributions from the Distribution Account to the Holders of Certificates according to the terms of the Pooling and Servicing Agreement.  All distributions or allocations made with respect to each Class of Certificates on each Distribution Date shall be allocated among the outstanding Certificates of such Class based on the Certificate Principal Amount (or Notional Amount) of each such Certificate.

Distributions on this Certificate will be made by check mailed to the Holder of record of this Certificate on the immediately preceding Record Date at the address of such Holder as its appears on the Certificate Register or, upon written request made to the Securities Administrator at least five Business Days prior to the related Record Date, by any Certificateholder owning an aggregate initial Certificate Principal Amount of at least $1,000,000 or, in the case of a Class of Interest-Only Certificates and any Residual Certificate, a Percentage Interest of 100%, by wire transfer in immediately available funds to an account specified in such request and at the expense of such Certificateholder requesting such wire transfer by deducting a wire transfer fee from the related distribution; provided, however, that the final distribution in respect of any Certificate shall be made only upon presentation and surrender of such Certificate at the Corporate Trust Office (as defined below); provided, further, that the foregoing provisions shall not apply to any Certificate as long as such Certificate remains a Book-Entry Certificate, in which case all payments made shall be made through the Clearing Agency and its Clearing Agency Participants.  Notwithstanding such final payment of principal of any of the Certificates, each Residual Certificate will remain outstanding until the termination of the related REMIC or REMICs and the payment in full of all other amounts due with respects to the Residual Certificates and at such time such final payment in retirement of any Residual Certificate will be made only upon presentation and surrender of such Certificate at the Corporate Trust Office.

The Corporate Trust Office with respect to the presentment and surrender of Certificates for the final distribution thereon is the corporate trust office of the Certificate Registrar at Sixth Street and Marquette Avenue, Minneapolis, Minnesota 55479, Attention: Corporate Trust Services -- Sequoia Mortgage Trust 2011-2 or at such other address as the Securities Administrator may designate from time to time.

  

A-15

  

The Pooling and Servicing Agreement may be amended by the Trustee, the Master Servicer, the Securities Administrator, and the Depositor with the consent of the Holders of not less than 66-2/3% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of the Pooling and Servicing Agreement or of modifying in any manner the rights of the Holders; provided, however, that no such amendment shall be made unless the Trustee and the Securities Administrator receive an Opinion of Counsel, at the expense of the party requesting the change, that such change will not cause an Adverse REMIC Event; and provided further, that no such amendment may (i) reduce in any manner the amount of, or delay the timing of, payments received on Mortgage Loans which are required to be distributed on any Certificate, without the consent of the Holder of such Certificate or (ii) reduce the aforesaid percentages of Class Principal Amount or Class Notional Amount (or Percentage Interest) of Certificates of each Class, the Holders of which are required to consent to any such amendment without the consent of the Holders of 100% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby.  For purposes of this paragraph, references to “Holder” or “Holders” shall be deemed to include, in the case of any Class of Book-Entry Certificates, the related Certificate Owners.  Any consent by the Holder of this Certificate will be conclusive and binding upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not consent is made with respect to such Certificate.  The Pooling and Servicing Agreement also permits the amendment thereof in certain limited circumstances without the consent of the Holders.

As provided in the Pooling and Servicing Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registerable in the Certificate Register upon surrender of this Certificate for registration of transfer at the Corporate Trust Office, duly endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by the Holder thereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class of authorized denominations evidencing the same initial Certificate Principal Amount (or Notional Amount) will be issued to the designated transferee or transferees.  As provided in the Pooling and Servicing Agreement and subject to certain limitations therein set forth, this Certificate is exchangeable for new Certificates of the same Class evidencing the same aggregate initial Certificate Principal Amount (or Notional Amount) as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or governmental charge that may be imposed in connection with any exchange of Certificates.

The Class A-1, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5 Certificates are issuable only in registered form in minimum denominations of $100,000 in initial Certificate Principal Amount and in integral multiples of $1 in excess thereof and, in the case of the A-1, Class B-1, Class B-2 and Class B-3 Certificates, will be registered in the name of the nominee of the Clearing Agency, which shall maintain such Certificates through its book-entry facilities and, in the case of the Class B-4 and Class B-5 Certificates, will be maintained in physical form.  The Class A-IO Certificate is issuable only in registered form as a single Certificate representing the entire Percentage Interest in that Class and will be registered in the name of the nominee of the Clearing Agency, which shall maintain such Certificates through its book-entry facilities.  The Class R, and Class LT-R Certificates will each be issued as a single Certificate representing the entire Percentage Interest in that Class and will be maintained in physical form. The Certificates shall remain outstanding until the final Distribution Date for the Certificates.

  

A-16

  

On any date on which the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 20% of the initial Aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date, subject to satisfaction of the conditions described in the Pooling and Servicing Agreement, the Holder of the Class LT-R Certificate may purchase all of the Mortgage Loans from the Trust Fund, thereby causing an early retirement of the Certificates.  If this right is not exercised by the Holder of the Class LT-R Certificate, the Master Servicer will have the option to purchase all of the Mortgage Loans from the Trust Fund on any date on which the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 5% of the initial Aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.

In no event will the trust created by the Pooling and Servicing Agreement continue beyond the expiration of 21 years from the death of the last survivor of the descendants living at the date of the Pooling and Servicing Agreement of a certain person named in the Pooling and Servicing Agreement.

The Depositor, the Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar and any agent of any of them may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar or any such agent shall be affected by any notice to the contrary.

As provided in the Pooling and Servicing Agreement, this Certificate and the Pooling and Servicing Agreement shall be construed in accordance with and governed by the laws of the State of New York without regard to the conflict of laws principles applied in the State of New York.  In the event of any conflict between the provisions of this Certificate and the Pooling and Servicing Agreement, the Pooling and Servicing Agreement shall be controlling.

  

A-17

  

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s) and assign(s) and transfer(s) unto

	  
	  

(Please print or type name and address, including postal zip code, of assignee and social security number or employer identification number)

	  

the within Certificate stating in the names of the undersigned in the Certificate Register and does hereby irrevocably constitute and appoint

	  

to transfer such Certificate in such Certificate Register.

 

I [we] further direct the Certificate Registrar to issue a new Certificate of the same Class of like principal to the above-named assignee and deliver such Certificate to the following address:

	  
	 
	  
	 	 	 	 
	
Dated:

	  	 	  
	  	 	
Signature by or on behalf of Assignor

	  	 	  
	
Authorized Officer

	 	
Signature Guaranteed

	  	 	  
	  	 	  
	
Name of Institution

	 	
NOTICE: The signature(s) of this assignment must correspond with the name(s) on the face of this Certificate without alteration or any change whatsoever.  The signature must be guaranteed by a participant in the Securities Transfer Agents Medallion Program, the New York Stock Exchange Medallion Signature Program or the Stock Exchanges Medallion Program.  Notarized or witnessed signatures are not acceptable as guaranteed signatures.

  

A-18

  

DISTRIBUTION INSTRUCTIONS

 

The assignee should include the following for the information of the Certificate Registrar.  Distributions shall be made by wire transfer in immediately available funds to

 

___________________________________________________________________________________________________________

 

for the account of ___________________________________  account number ___________________________ or, if mailed by check, 

 

to  ____________________________________

 

___________________________________________________________________________________________________________

 

Applicable reports and statements should be mailed to  _________________________________________________________________

 

___________________________________________________________________________________________________________

 

This information is provided by  ___________________________________________________________________________

 

the assignee named above, or ___________________________________________________ as its agent.

 

  

A-19

  

THIS CERTIFICATE IS A REMIC REGULAR INTEREST CERTIFICATE. THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, AND IS NOT GUARANTEED BY, THE DEPOSITOR, THE TRUSTEE, THE SECURITIES ADMINISTRATOR, THE MASTER SERVICER OR ANY AFFILIATE OF ANY OF THEM AND IS NOT INSURED OR GUARANTEED BY ANY GOVERNMENTAL AGENCY OR PRIVATE INSURER.

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL AMOUNT OF THIS CERTIFICATE MAY BE MADE IN INSTALLMENTS AS SET FORTH HEREIN. ACCORDINGLY, THE CERTIFICATE PRINCIPAL AMOUNT OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ON THE FACE HEREOF.

THIS CERTIFICATE IS SUBORDINATE IN RIGHT OF PAYMENT AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC, ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL, INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

THE HOLDER AND ANY TRANSFEREE OF THIS CERTIFICATE WILL BE DEEMED TO HAVE REPRESENTED BY VIRTUE OF ITS PURCHASE OR HOLDING OF THIS CERTIFICATE (OR INTEREST THEREIN) THAT EITHER (A) SUCH HOLDER OR TRANSFEREE IS NOT AN EMPLOYEE BENEFIT PLAN OR OTHER PLAN OR ARRANGEMENT SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR SECTION 4975 OF THE CODE OR A PERSON (INCLUDING AN INSURANCE COMPANY INVESTING ITS GENERAL ACCOUNT, AN INVESTMENT MANAGER, A NAMED FIDUCIARY OR A TRUSTEE OF ANY SUCH PLAN) WHO IS USING “PLAN ASSETS” OF ANY SUCH PLAN TO EFFECT SUCH ACQUISITION (EACH OF THE FOREGOING, A “PLAN INVESTOR”). (B) 

IT HAS ACQUIRED AND IS HOLDING THIS CERTIFICATE IN RELIANCE ON U.S. DEPARTMENT OF LABOR PROHIBITED TRANSACTION EXEMPTION (“PTE”) 89-90, AS AMENDED, (THE “UNDERWRITER EXEMPTION”), AND THAT IT UNDERSTANDS THAT THERE ARE CERTAIN CONDITIONS TO THE AVAILABILITY OF THE UNDERWRITER EXEMPTION INCLUDING THAT THIS CERTIFICATE MUST BE RATED, AT THE TIME OF PURCHASE, NOT LOWER THAN “BBB-” (OR ITS EQUIVALENT) BY STANDARD & POOR’S, FITCH, MOODY’S, DBRS LIMITED OR DBRS, INC. OR (C) (I) THE TRANSFEREE IS AN INSURANCE COMPANY, (II) THE SOURCE OF FUNDS USED TO PURCHASE OR HOLD THIS CERTIFICATE IS AN “INSURANCE COMPANY GENERAL ACCOUNT” (AS DEFINED IN U.S. DEPARTMENT OF LABOR PROHIBITED TRANSACTION CLASS EXEMPTION (“PTCE”) 95-60), AND (III) THE  CONDITIONS SET FORTH IN SECTIONS I AND III OF PTCE 95-60 HAVE BEEN SATISFIED (EACH ENTITY THAT SATISFIES THIS CLAUSE (C), A “COMPLYING INSURANCE COMPANY”).

 

 

  

A-20

  

ANY PURPORTED CERTIFICATE OWNER WHOSE ACQUISITION OR HOLDING OF THIS CERTIFICATE (OR INTEREST THEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS IN SECTION 3.03 OF THE AGREEMENT SHALL INDEMNIFY AND HOLD HARMLESS THE CERTIFICATE REGISTRAR, THE DEPOSITOR, THE TRUSTEE AND THE TRUST FUND FROM AND AGAINST ANY AND ALL LIABILITIES, CLAIMS, COSTS OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR HOLDING.

SEQUOIA MORTGAGE TRUST 2011-2

MORTGAGE PASS-THROUGH CERTIFICATES, CLASS B-l

Evidencing a beneficial interest in a pool of residential mortgage loans and any other assets established by

SEQUOIA RESIDENTIAL FUNDING, INC.

	
Initial Class Principal

Amount of the Class B-1

Certificates: $10,319,000

 

 

Certificate Interest Rate: Adjustable

 

 

Final Scheduled Distribution

Date: September 2041

 

NUMBER 1

	
Initial Certificate

Principal Amount of this

Certificates: $10,319,000

 

 

Cut-off Date: September 1, 2011

 

 

 

 

 

CUSIP: 81744Q AB9

  

A-21

  

THIS CERTIFIES THAT CEDE & CO. is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Amount of this Certificate by the initial Class Principal Amount of all Class B-1 Certificates, both as specified above) in a Trust Fund, the assets of which consist of the Mortgage Loans and all interest and principal received thereon after the Cut-off Date (other than Scheduled Payments due on or prior to the Cut-off Date), the rights of the Seller and the Depositor assigned to the Trustee under each Purchase Agreement, each Servicing Agreement, the Mortgage Loan Purchase and Sale Agreement, the Insurance Policies relating to the Mortgage Loans, all cash, instruments or property held or required to be held in the Custodial Accounts and the Distribution Account and property that secured a Mortgage Loan; and certain other assets, if any, as described in the Pooling and Servicing Agreement (the foregoing assets hereinafter collectively referred to as the “Trust Fund”).

Distributions on this Certificate will be made on the 25th day of each month or, if such day is not a Business Day, then on the succeeding Business Day, commencing in October 2011 (each, a “Distribution Date”), to the Person in whose name this Certificate is registered at the close of business on the last Business Day preceding such Distribution Date (the “Record Date”), in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount, if any, required to be distributed to all Certificates of the Class represented by this Certificate. All sums distributable on this Certificate are payable in the coin or currency of the United States of America which at the time of payment is legal tender for the payment of public and private debts.

Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which shall have the same effect as though fully set forth on the face of this Certificate.

Unless the certificate of authentication hereon has been executed by or on behalf of the Authenticating Agent, whose name appears below by manual signature, this Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose.

  

A-22

  

IN WITNESS WHEREOF, U.S. Bank National Association, as Trustee, has caused this Certificate to be duly executed.

U.S. BANK NATIONAL ASSOCIATION,

as Trustee

By:                                                   

AUTHORIZED SIGNATORY

Dated:                                               

CERTIFICATE AUTHENTICATION

This is one of the Certificates referred to in the within-mentioned Pooling and Servicing Agreement.

WELLS FARGO BANK, N.A.,

as Authenticating Agent

By:                                                   

AUTHORIZED SIGNATORY

Dated:                                               

  

A-23

  

SEQUOIA MORTGAGE TRUST 2011-2

MORTGAGE PASS-THROUGH CERTIFICATE

This Certificate is one of a duly authorized issue of certificates designated as Sequoia Mortgage Trust 2011-2 Mortgage Pass-Through Certificates (the “Certificates”), representing all or part of a beneficial ownership interest in a Trust Fund established pursuant to a Pooling and Servicing Agreement, dated as of September 1, 2011 (the “Pooling and Servicing Agreement”), among Sequoia Residential Funding, Inc., as depositor (the “Depositor”), Wells Fargo Bank, N.A., as master servicer (in such capacity, the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”) and U.S. Bank National Association, as trustee (the “Trustee”), to which terms, provisions and conditions thereof the Holder of this Certificate by virtue of the acceptance hereof assents, and by which such Holder is bound. Except as otherwise defined herein, all capitalized terms used herein shall have the meanings ascribed to them in the Pooling and Servicing Agreement. The Certificates consist of the following Classes: Class A-1, Class R, Class LT-R, Class A-IO, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5.

On each Distribution Date, the Paying Agent, on behalf of the Trustee, will make distributions from the Distribution Account to the Holders of Certificates according to the terms of the Pooling and Servicing Agreement.  All distributions or allocations made with respect to each Class of Certificates on each Distribution Date shall be allocated among the outstanding Certificates of such Class based on the Certificate Principal Amount (or Notional Amount) of each such Certificate.

Distributions on this Certificate will be made by check mailed to the Holder of record of this Certificate on the immediately preceding Record Date at the address of such Holder as its appears on the Certificate Register or, upon written request made to the Securities Administrator at least five Business Days prior to the related Record Date, by any Certificateholder owning an aggregate initial Certificate Principal Amount of at least $1,000,000 or, in the case of a Class of Interest-Only Certificates and any Residual Certificate, a Percentage Interest of 100%, by wire transfer in immediately available funds to an account specified in such request and at the expense of such Certificateholder requesting such wire transfer by deducting a wire transfer fee from the related distribution; provided, however, that the final distribution in respect of any Certificate shall be made only upon presentation and surrender of such Certificate at the Corporate Trust Office (as defined below); provided, further, that the foregoing provisions shall not apply to any Certificate as long as such Certificate remains a Book-Entry Certificate, in which case all payments made shall be made through the Clearing Agency and its Clearing Agency Participants.  Notwithstanding such final payment of principal of any of the Certificates, each Residual Certificate will remain outstanding until the termination of the related REMIC or REMICs and the payment in full of all other amounts due with respects to the Residual Certificates and at such time such final payment in retirement of any Residual Certificate will be made only upon presentation and surrender of such Certificate at the Corporate Trust Office.

The Corporate Trust Office with respect to the presentment and surrender of Certificates for the final distribution thereon is the corporate trust office of the Certificate Registrar at Sixth Street and Marquette Avenue, Minneapolis, Minnesota 55479, Attention: Corporate Trust Services -- Sequoia Mortgage Trust 2011-2 or at such other address as the Securities Administrator may designate from time to time.

  

A-24

  

The Pooling and Servicing Agreement may be amended by the Trustee, the Master Servicer, the Securities Administrator, and the Depositor with the consent of the Holders of not less than 66-2/3% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of the Pooling and Servicing Agreement or of modifying in any manner the rights of the Holders; provided, however, that no such amendment shall be made unless the Trustee and the Securities Administrator receive an Opinion of Counsel, at the expense of the party requesting the change, that such change will not cause an Adverse REMIC Event; and provided further, that no such amendment may (i) reduce in any manner the amount of, or delay the timing of, payments received on Mortgage Loans which are required to be distributed on any Certificate, without the consent of the Holder of such Certificate or (ii) reduce the aforesaid percentages of Class Principal Amount or Class Notional Amount (or Percentage Interest) of Certificates of each Class, the Holders of which are required to consent to any such amendment without the consent of the Holders of 100% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby.  For purposes of this paragraph, references to “Holder” or “Holders” shall be deemed to include, in the case of any Class of Book-Entry Certificates, the related Certificate Owners.  Any consent by the Holder of this Certificate will be conclusive and binding upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not consent is made with respect to such Certificate.  The Pooling and Servicing Agreement also permits the amendment thereof in certain limited circumstances without the consent of the Holders.

As provided in the Pooling and Servicing Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registerable in the Certificate Register upon surrender of this Certificate for registration of transfer at the Corporate Trust Office, duly endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by the Holder thereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class of authorized denominations evidencing the same initial Certificate Principal Amount (or Notional Amount) will be issued to the designated transferee or transferees.  As provided in the Pooling and Servicing Agreement and subject to certain limitations therein set forth, this Certificate is exchangeable for new Certificates of the same Class evidencing the same aggregate initial Certificate Principal Amount (or Notional Amount) as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or governmental charge that may be imposed in connection with any exchange of Certificates.

The Class A-1, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5 Certificates are issuable only in registered form in minimum denominations of $100,000 in initial Certificate Principal Amount and in integral multiples of $1 in excess thereof and, in the case of the A-1, Class B-1, Class B-2 and Class B-3 Certificates, will be registered in the name of the nominee of the Clearing Agency, which shall maintain such Certificates through its book-entry facilities and, in the case of the Class B-4 and Class B-5 Certificates, will be maintained in physical form.  The Class A-IO Certificate is issuable only in registered form as a single Certificate representing the entire Percentage Interest in that Class and will be registered in the name of the nominee of the Clearing Agency, which shall maintain such Certificates through its book-entry facilities.  The Class R, and Class LT-R Certificates will each be issued as a single Certificate representing the entire Percentage Interest in that Class and will be maintained in physical form. The Certificates shall remain outstanding until the final Distribution Date for the Certificates.

  

A-25

  

On any date on which the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 20% of the initial Aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date, subject to satisfaction of the conditions described in the Pooling and Servicing Agreement, the Holder of the Class LT-R Certificate may purchase all of the Mortgage Loans from the Trust Fund, thereby causing an early retirement of the Certificates.  If this right is not exercised by the Holder of the Class LT-R Certificate, the Master Servicer will have the option to purchase all of the Mortgage Loans from the Trust Fund on any date on which the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 5% of the initial Aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.

In no event will the trust created by the Pooling and Servicing Agreement continue beyond the expiration of 21 years from the death of the last survivor of the descendants living at the date of the Pooling and Servicing Agreement of a certain person named in the Pooling and Servicing Agreement.

The Depositor, the Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar and any agent of any of them may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar or any such agent shall be affected by any notice to the contrary.

As provided in the Pooling and Servicing Agreement, this Certificate and the Pooling and Servicing Agreement shall be construed in accordance with and governed by the laws of the State of New York without regard to the conflict of laws principles applied in the State of New York.  In the event of any conflict between the provisions of this Certificate and the Pooling and Servicing Agreement, the Pooling and Servicing Agreement shall be controlling.

  

A-26

  

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s) and assign(s) and transfer(s) unto

	  
	  

(Please print or type name and address, including postal zip code, of assignee and social security number or employer identification number)

	  

the within Certificate stating in the names of the undersigned in the Certificate Register and does hereby irrevocably constitute and appoint

	  

to transfer such Certificate in such Certificate Register.

 

I [we] further direct the Certificate Registrar to issue a new Certificate of the same Class of like principal to the above-named assignee and deliver such Certificate to the following address:

	 
	  
	  
	 	 	 	 
	
Dated:

	  	 	  
	  	 	
Signature by or on behalf of Assignor

	  	 	  
	
Authorized Officer

	 	
Signature Guaranteed

	  	 	  
	  	 	  
	
Name of Institution

	 	
NOTICE: The signature(s) of this assignment must correspond with the name(s) on the face of this Certificate without alteration or any change whatsoever.  The signature must be guaranteed by a participant in the Securities Transfer Agents Medallion Program, the New York Stock Exchange Medallion Signature Program or the Stock Exchanges Medallion Program.  Notarized or witnessed signatures are not acceptable as guaranteed signatures.

  

A-27

  

 

DISTRIBUTION INSTRUCTIONS

 

The assignee should include the following for the information of the Certificate Registrar.  Distributions shall be made by wire transfer in immediately available funds to

 

___________________________________________________________________________________________________________

 

for the account of ___________________________________  account number ___________________________ or, if mailed by check, 

 

to  ____________________________________

 

___________________________________________________________________________________________________________

 

Applicable reports and statements should be mailed to  _________________________________________________________________

 

___________________________________________________________________________________________________________

 

This information is provided by  ___________________________________________________________________________

 

the assignee named above, or ___________________________________________________ as its agent.

 

  

A-28

  

THIS CERTIFICATE IS A REMIC REGULAR INTEREST CERTIFICATE. THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, AND IS NOT GUARANTEED BY, THE DEPOSITOR, THE TRUSTEE, THE SECURITIES ADMINISTRATOR, THE MASTER SERVICER OR ANY AFFILIATE OF ANY OF THEM AND IS NOT INSURED OR GUARANTEED BY ANY GOVERNMENTAL AGENCY OR PRIVATE INSURER.

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL AMOUNT OF THIS CERTIFICATE MAY BE MADE IN INSTALLMENTS AS SET FORTH HEREIN. ACCORDINGLY, THE CERTIFICATE PRINCIPAL AMOUNT OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ON THE FACE HEREOF.

THIS CERTIFICATE IS SUBORDINATE IN RIGHT OF PAYMENT AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC, ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL, INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

NO TRANSFER OF THIS CERTIFICATE OR ANY INTEREST THEREIN SHALL BE MADE TO ANY EMPLOYEE BENEFIT PLAN OR OTHER PLAN OR ARRANGEMENT SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR SECTION 4975 OF THE CODE, OR ANY PERSON (INCLUDING AN INSURANCE COMPANY INVESTING ITS GENERAL ACCOUNT, AN INVESTMENT MANAGER, A NAMED FIDUCIARY OR A TRUSTEE OF ANY SUCH PLAN) WHO IS USING “PLAN ASSETS” OF ANY SUCH PLAN TO EFFECT SUCH ACQUISITION (EACH OF THE FOREGOING, A “PLAN INVESTOR”) UNLESS THE CERTIFICATE REGISTRAR IS PROVIDED WITH EITHER (I) A CERTIFICATION PURSUANT TO SECTION 3.03(d)(i) OF THE AGREEMENT OR (II) AN OPINION OF COUNSEL ACCEPTABLE TO AND IN FORM AND SUBSTANCE SATISFACTORY TO THE CERTIFICATE REGISTRAR TO THE EFFECT THAT THE PURCHASE OR HOLDING OF THIS CERTIFICATE IS PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT IN ANY NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE (OR COMPARABLE PROVISIONS OF ANY SUBSEQUENT ENACTMENTS), AND WILL NOT SUBJECT THE CERTIFICATE REGISTRAR, THE TRUSTEE  OR THE DEPOSITOR  TO ANY OBLIGATION OR LIABILITY (INCLUDING OBLIGATIONS OR LIABILITIES UNDER ERISA OR SECTION 4975 OF THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT,

  

A-29

  

WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE TRUST FUND, THE CERTIFICATE REGISTRAR, THE TRUSTEE OR THE DEPOSITOR.  EACH INVESTOR IN THIS CERTIFICATE WILL BE DEEMED TO REPRESENT THAT IT IS IN COMPLIANCE WITH THE FOREGOING AND WILL BE FURTHER DEEMED TO REPRESENT, WARRANT AND COVENANT THAT IT WILL NOT SELL, PLEDGE OR OTHERWISE TRANSFER SUCH ERISA-RESTRICTED CERTIFICATE IN VIOLATION OF THE FOREGOING.

ANY PURPORTED CERTIFICATE OWNER WHOSE ACQUISITION OR HOLDING OF THIS CERTIFICATE (OR INTEREST THEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS IN SECTION 3.03 OF THE AGREEMENT SHALL INDEMNIFY AND HOLD HARMLESS THE CERTIFICATE REGISTRAR, THE DEPOSITOR, THE TRUSTEE AND THE TRUST FUND FROM AND AGAINST ANY AND ALL LIABILITIES, CLAIMS, COSTS OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR HOLDING.

SEQUOIA MORTGAGE TRUST 2011-2

MORTGAGE PASS-THROUGH CERTIFICATES, CLASS B-2

Evidencing a beneficial interest in a pool of residential mortgage loans and any other assets established by

SEQUOIA RESIDENTIAL FUNDING, INC.

	
Initial Class Principal

Amount of the Class B-2

Certificates: $4,878,000

 

Certificate Interest Rate: Adjustable

 

 

Final Scheduled Distribution

Date: September 2041

 

 

NUMBER 1

	
Initial Certificate

Principal Amount of this

Certificates: $4,878,000

 

 

Cut-off Date: September 1, 2011

 

 

 

 

 

CUSIP: 81744Q AC7

  

A-30

  

THIS CERTIFIES THAT CEDE & CO. is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Amount of this Certificate by the initial Class Principal Amount of all Class B-2 Certificates, both as specified above) in a Trust Fund, the assets of which consist of the Mortgage Loans and all interest and principal received thereon after the Cut-off Date (other than Scheduled Payments due on or prior to the Cut-off Date), the rights of the Seller and the Depositor assigned to the Trustee under each Purchase Agreement, each Servicing Agreement, the Mortgage Loan Purchase and Sale Agreement, the Insurance Policies relating to the Mortgage Loans, all cash, instruments or property held or required to be held in the Custodial Accounts and the Distribution Account and property that secured a Mortgage Loan; and certain other assets, if any, as described in the Pooling and Servicing Agreement (the foregoing assets hereinafter collectively referred to as the “Trust Fund”).

Distributions on this Certificate will be made on the 25th day of each month or, if such day is not a Business Day, then on the succeeding Business Day, commencing in October 2011 (each, a “Distribution Date”), to the Person in whose name this Certificate is registered at the close of business on the last Business Day preceding such Distribution Date (the “Record Date”), in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount, if any, required to be distributed to all Certificates of the Class represented by this Certificate. All sums distributable on this Certificate are payable in the coin or currency of the United States of America which at the time of payment is legal tender for the payment of public and private debts.

Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which shall have the same effect as though fully set forth on the face of this Certificate.

Unless the certificate of authentication hereon has been executed by or on behalf of the Authenticating Agent, whose name appears below by manual signature, this Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose.

  

A-31

  

IN WITNESS WHEREOF, U.S. Bank National Association, as Trustee, has caused this Certificate to be duly executed.

U.S. BANK NATIONAL ASSOCIATION,

as Trustee

By:                                                   

AUTHORIZED SIGNATORY

Dated:                                               

CERTIFICATE AUTHENTICATION

This is one of the Certificates referred to in the within-mentioned Pooling and Servicing Agreement.

WELLS FARGO BANK, N.A.,

as Authenticating Agent

By:                                                   

AUTHORIZED SIGNATORY

Dated:                                               

  

A-32

  

SEQUOIA MORTGAGE TRUST 2011-2

MORTGAGE PASS-THROUGH CERTIFICATE

This Certificate is one of a duly authorized issue of certificates designated as Sequoia Mortgage Trust 2011-2 Mortgage Pass-Through Certificates (the “Certificates”), representing all or part of a beneficial ownership interest in a Trust Fund established pursuant to a Pooling and Servicing Agreement, dated as of September 1, 2011 (the “Pooling and Servicing Agreement”), among Sequoia Residential Funding, Inc., as depositor (the “Depositor”), Wells Fargo Bank, N.A., as master servicer (in such capacity, the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”) and U.S. Bank National Association, as trustee (the “Trustee”), to which terms, provisions and conditions thereof the Holder of this Certificate by virtue of the acceptance hereof assents, and by which such Holder is bound. Except as otherwise defined herein, all capitalized terms used herein shall have the meanings ascribed to them in the Pooling and Servicing Agreement. The Certificates consist of the following Classes: Class A-1, Class R, Class LT-R, Class A-IO, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5.

On each Distribution Date, the Paying Agent, on behalf of the Trustee, will make distributions from the Distribution Account to the Holders of Certificates according to the terms of the Pooling and Servicing Agreement.  All distributions or allocations made with respect to each Class of Certificates on each Distribution Date shall be allocated among the outstanding Certificates of such Class based on the Certificate Principal Amount (or Notional Amount) of each such Certificate.

Distributions on this Certificate will be made by check mailed to the Holder of record of this Certificate on the immediately preceding Record Date at the address of such Holder as its appears on the Certificate Register or, upon written request, made to the Securities Administrator at least five Business Days prior to the related Record Date, by any Certificateholder owning an aggregate initial Certificate Principal Amount of at least $1,000,000 or, in the case of a Class of Interest-Only Certificates and any Residual Certificate, a Percentage Interest of 100%, by wire transfer in immediately available funds to an account specified in the request and at the expense of such Certificateholder requesting such wire transfer by deducting a wire transfer fee from the related distribution; provided, however, that the final distribution in respect of any Certificate shall be made only upon presentation and surrender of such Certificate at the Corporate Trust Office (as defined below); provided, further, that the foregoing provisions shall not apply to any Certificate as long as such Certificate remains a Book-Entry Certificate, in which case all payments made shall be made through the Clearing Agency and its Clearing Agency Participants.  Notwithstanding such final payment of principal of any of the Certificates, each Residual Certificate will remain outstanding until the termination of the related REMIC or REMICs and the payment in full of all other amounts due with respects to the Residual Certificates and at such time such final payment in retirement of any Residual Certificate will be made only upon presentation and surrender of such Certificate at the Corporate Trust Office.

The Corporate Trust Office with respect to the presentment and surrender of Certificates for the final distribution thereon is the corporate trust office of the Certificate Registrar at Sixth Street and Marquette Avenue, Minneapolis, Minnesota 55479, Attention: Corporate Trust Services -- Sequoia Mortgage Trust 2011-2 or at such other address as the Securities Administrator may designate from time to time.

  

A-33

  

The Pooling and Servicing Agreement may be amended by the Trustee, the Master Servicer, the Securities Administrator, and the Depositor with the consent of the Holders of not less than 66-2/3% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of the Pooling and Servicing Agreement or of modifying in any manner the rights of the Holders; provided, however, that no such amendment shall be made unless the Trustee and the Securities Administrator receive an Opinion of Counsel, at the expense of the party requesting the change, that such change will not cause an Adverse REMIC Event; and provided further, that no such amendment may (i) reduce in any manner the amount of, or delay the timing of, payments received on Mortgage Loans which are required to be distributed on any Certificate, without the consent of the Holder of such Certificate or (ii) reduce the aforesaid percentages of Class Principal Amount or Class Notional Amount (or Percentage Interest) of Certificates of each Class, the Holders of which are required to consent to any such amendment without the consent of the Holders of 100% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby.  For purposes of this paragraph, references to “Holder” or “Holders” shall be deemed to include, in the case of any Class of Book-Entry Certificates, the related Certificate Owners.  Any consent by the Holder of this Certificate will be conclusive and binding upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not consent is made with respect to such Certificate.  The Pooling and Servicing Agreement also permits the amendment thereof in certain limited circumstances without the consent of the Holders.

As provided in the Pooling and Servicing Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registerable in the Certificate Register upon surrender of this Certificate for registration of transfer at the Corporate Trust Office, duly endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by the Holder thereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class of authorized denominations evidencing the same initial Certificate Principal Amount (or Notional Amount) will be issued to the designated transferee or transferees.  As provided in the Pooling and Servicing Agreement and subject to certain limitations therein set forth, this Certificate is exchangeable for new Certificates of the same Class evidencing the same aggregate initial Certificate Principal Amount (or Notional Amount) as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or governmental charge that may be imposed in connection with any exchange of Certificates.

The Class A-1, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5 Certificates are issuable only in registered form in minimum denominations of $100,000 in initial Certificate Principal Amount and in integral multiples of $1 in excess thereof and, in the case of the A-1, Class B-1, Class B-2 and Class B-3 Certificates, will be registered in the name of the nominee of the Clearing Agency, which shall maintain such Certificates through its book-entry facilities and, in the case of the Class B-4 and Class B-5 Certificates, will be maintained in physical form.  The Class A-IO Certificate is issuable only in registered form as a single Certificate representing the entire Percentage Interest in that Class and will be registered in the name of the nominee of the Clearing Agency, which shall maintain such Certificates through its book-entry facilities.  The Class R, and Class LT-R Certificates will each be issued as a single Certificate representing the entire Percentage Interest in that Class and will be maintained in physical form. The Certificates shall remain outstanding until the final Distribution Date for the Certificates.

  

A-34

  

On any date on which the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 20% of the initial Aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date, subject to satisfaction of the conditions described in the Pooling and Servicing Agreement, the Holder of the Class LT-R Certificate may purchase all of the Mortgage Loans from the Trust Fund, thereby causing an early retirement of the Certificates.  If this right is not exercised by the Holder of the Class LT-R Certificate, the Master Servicer will have the option to purchase all of the Mortgage Loans from the Trust Fund on any date on which the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 5% of the initial Aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.

In no event will the trust created by the Pooling and Servicing Agreement continue beyond the expiration of 21 years from the death of the last survivor of the descendants living at the date of the Pooling and Servicing Agreement of a certain person named in the Pooling and Servicing Agreement.

The Depositor, the Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar and any agent of any of them may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar or any such agent shall be affected by any notice to the contrary.

As provided in the Pooling and Servicing Agreement, this Certificate and the Pooling and Servicing Agreement shall be construed in accordance with and governed by the laws of the State of New York without regard to the conflict of laws principles applied in the State of New York.  In the event of any conflict between the provisions of this Certificate and the Pooling and Servicing Agreement, the Pooling and Servicing Agreement shall be controlling.

  

A-35

  

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s) and assign(s) and transfer(s) unto

	  
	  

(Please print or type name and address, including postal zip code, of assignee and social security number or employer identification number)

	  

the within Certificate stating in the names of the undersigned in the Certificate Register and does hereby irrevocably constitute and appoint

	  

to transfer such Certificate in such Certificate Register.

 

I [we] further direct the Certificate Registrar to issue a new Certificate of the same Class of like principal to the above-named assignee and deliver such Certificate to the following address:

	  
	 
	  
	 	 	 	 
	
Dated:

	  	 	  
	  	 	
Signature by or on behalf of Assignor

	  	 	  
	
Authorized Officer

	 	
Signature Guaranteed

	  	 	  
	  	 	  
	
Name of Institution

	 	
NOTICE: The signature(s) of this assignment must correspond with the name(s) on the face of this Certificate without alteration or any change whatsoever.  The signature must be guaranteed by a participant in the Securities Transfer Agents Medallion Program, the New York Stock Exchange Medallion Signature Program or the Stock Exchanges Medallion Program.  Notarized or witnessed signatures are not acceptable as guaranteed signatures.

  

A-36

  

 

DISTRIBUTION INSTRUCTIONS

 

The assignee should include the following for the information of the Certificate Registrar.  Distributions shall be made by wire transfer in immediately available funds to

 

___________________________________________________________________________________________________________

 

for the account of ___________________________________  account number ___________________________ or, if mailed by check, 

 

to  ____________________________________

 

___________________________________________________________________________________________________________

 

Applicable reports and statements should be mailed to  _________________________________________________________________

 

___________________________________________________________________________________________________________

 

This information is provided by  ___________________________________________________________________________

 

the assignee named above, or ___________________________________________________ as its agent.

 

  

A-37

  

THIS CERTIFICATE IS A REMIC REGULAR INTEREST CERTIFICATE. THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, AND IS NOT GUARANTEED BY, THE DEPOSITOR, THE TRUSTEE, THE SECURITIES ADMINISTRATOR, THE MASTER SERVICER OR ANY AFFILIATE OF ANY OF THEM AND IS NOT INSURED OR GUARANTEED BY ANY GOVERNMENTAL AGENCY OR PRIVATE INSURER.

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL AMOUNT OF THIS CERTIFICATE MAY BE MADE IN INSTALLMENTS AS SET FORTH HEREIN. ACCORDINGLY, THE CERTIFICATE PRINCIPAL AMOUNT OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ON THE FACE HEREOF.

THIS CERTIFICATE IS SUBORDINATE IN RIGHT OF PAYMENT AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC, ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL, INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

NO TRANSFER OF THIS CERTIFICATE OR ANY INTEREST THEREIN SHALL BE MADE TO ANY EMPLOYEE BENEFIT PLAN OR OTHER PLAN OR ARRANGEMENT SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR SECTION 4975 OF THE CODE, OR ANY PERSON (INCLUDING AN INSURANCE COMPANY INVESTING ITS GENERAL ACCOUNT, AN INVESTMENT MANAGER, A NAMED FIDUCIARY OR A TRUSTEE OF ANY SUCH PLAN) WHO IS USING “PLAN ASSETS” OF ANY SUCH PLAN TO EFFECT SUCH ACQUISITION (EACH OF THE FOREGOING, A “PLAN INVESTOR”) UNLESS THE CERTIFICATE REGISTRAR IS PROVIDED WITH EITHER (I) A CERTIFICATION PURSUANT TO SECTION 3.03(d)(i) OF THE AGREEMENT OR (II) AN OPINION OF COUNSEL ACCEPTABLE TO AND IN FORM AND SUBSTANCE SATISFACTORY TO THE CERTIFICATE REGISTRAR TO THE EFFECT THAT THE PURCHASE OR HOLDING OF THIS CERTIFICATE IS PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT IN ANY NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE (OR COMPARABLE PROVISIONS OF ANY SUBSEQUENT ENACTMENTS), AND WILL NOT SUBJECT THE CERTIFICATE REGISTRAR, THE TRUSTEE  OR THE DEPOSITOR  TO ANY OBLIGATION OR LIABILITY (INCLUDING OBLIGATIONS OR LIABILITIES UNDER ERISA OR SECTION 4975 OF THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT,

  

A-38

  

WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE TRUST FUND, THE CERTIFICATE REGISTRAR, THE TRUSTEE OR THE DEPOSITOR.  EACH INVESTOR IN THIS CERTIFICATE WILL BE DEEMED TO REPRESENT THAT IT IS IN COMPLIANCE WITH THE FOREGOING AND WILL BE FURTHER DEEMED TO REPRESENT, WARRANT AND COVENANT THAT IT WILL NOT SELL, PLEDGE OR OTHERWISE TRANSFER SUCH ERISA-RESTRICTED CERTIFICATE IN VIOLATION OF THE FOREGOING.

ANY PURPORTED CERTIFICATE OWNER WHOSE ACQUISITION OR HOLDING OF THIS CERTIFICATE (OR INTEREST THEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS IN SECTION 3.03 OF THE AGREEMENT SHALL INDEMNIFY AND HOLD HARMLESS THE CERTIFICATE REGISTRAR, THE DEPOSITOR, THE TRUSTEE AND THE TRUST FUND FROM AND AGAINST ANY AND ALL LIABILITIES, CLAIMS, COSTS OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR HOLDING.

  

A-39

  

SEQUOIA MORTGAGE TRUST 2011-2

MORTGAGE PASS-THROUGH CERTIFICATES, CLASS B-3

Evidencing a beneficial interest in a pool of residential mortgage loans and any other assets established by

SEQUOIA RESIDENTIAL FUNDING, INC.

	
Initial Class Principal

Amount of the Class B-3

Certificates: $5,440,000

 

Certificate Interest Rate: Adjustable

 

 

Final Scheduled Distribution

Date: September 2041

 

 

NUMBER 1

	
Initial Certificate

Principal Amount of this

Certificates: $5,440,000

 

 

Cut-off Date: September 1, 2011

 

 

 

 

 

CUSIP: 81744Q AD5

  

A-40

  

THIS CERTIFIES THAT CEDE & CO. is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Amount of this Certificate by the initial Class Principal Amount of all Class B-3 Certificates, both as specified above) in a Trust Fund, the assets of which consist of the Mortgage Loans and all interest and principal received thereon after the Cut-off Date (other than Scheduled Payments due on or prior to the Cut-off Date), the rights of the Seller and the Depositor assigned to the Trustee under each Purchase Agreement, each Servicing Agreement, the Mortgage Loan Purchase and Sale Agreement, the Insurance Policies relating to the Mortgage Loans, all cash, instruments or property held or required to be held in the Custodial Accounts and the Distribution Account and property that secured a Mortgage Loan; and certain other assets, if any, as described in the Pooling and Servicing Agreement (the foregoing assets hereinafter collectively referred to as the “Trust Fund”).

Distributions on this Certificate will be made on the 25th day of each month or, if such day is not a Business Day, then on the succeeding Business Day, commencing in October 2011 (each, a “Distribution Date”), to the Person in whose name this Certificate is registered at the close of business on the last Business Day preceding such Distribution Date (the “Record Date”), in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount, if any, required to be distributed to all Certificates of the Class represented by this Certificate. All sums distributable on this Certificate are payable in the coin or currency of the United States of America which at the time of payment is legal tender for the payment of public and private debts.

Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which shall have the same effect as though fully set forth on the face of this Certificate.

Unless the certificate of authentication hereon has been executed by or on behalf of the Authenticating Agent, whose name appears below by manual signature, this Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose.

  

A-41

  

IN WITNESS WHEREOF, U.S. Bank National Association, as Trustee, has caused this Certificate to be duly executed.

U.S. BANK NATIONAL ASSOCIATION,

as Trustee

By:                                                   

AUTHORIZED SIGNATORY

Dated:                                               

CERTIFICATE AUTHENTICATION

This is one of the Certificates referred to in the within-mentioned Pooling and Servicing Agreement.

WELLS FARGO BANK, N.A.,

as Authenticating Agent

By:                                                   

AUTHORIZED SIGNATORY

Dated:                                               

  

A-42

  

SEQUOIA MORTGAGE TRUST 2011-2

MORTGAGE PASS-THROUGH CERTIFICATE

This Certificate is one of a duly authorized issue of certificates designated as Sequoia Mortgage Trust 2011-2 Mortgage Pass-Through Certificates (the “Certificates”), representing all or part of a beneficial ownership interest in a Trust Fund established pursuant to a Pooling and Servicing Agreement, dated as of September 1, 2011 (the “Pooling and Servicing Agreement”), among Sequoia Residential Funding, Inc., as depositor (the “Depositor”), Wells Fargo Bank, N.A., as master servicer (in such capacity, the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”) and U.S. Bank National Association, as trustee (the “Trustee”), to which terms, provisions and conditions thereof the Holder of this Certificate by virtue of the acceptance hereof assents, and by which such Holder is bound. Except as otherwise defined herein, all capitalized terms used herein shall have the meanings ascribed to them in the Pooling and Servicing Agreement. The Certificates consist of the following Classes: Class A-1, Class R, Class LT-R, Class A-IO, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5.

On each Distribution Date, the Paying Agent, on behalf of the Trustee, will make distributions from the Distribution Account to the Holders of Certificates according to the terms of the Pooling and Servicing Agreement.  All distributions or allocations made with respect to each Class of Certificates on each Distribution Date shall be allocated among the outstanding Certificates of such Class based on the Certificate Principal Amount (or Notional Amount) of each such Certificate.

Distributions on this Certificate will be made by check mailed to the Holder of record of this Certificate on the immediately preceding Record Date at the address of such Holder as its appears on the Certificate Register or, upon written request made to the Securities Administrator at least five Business Days prior to the related Record Date, by any Certificateholder owning an aggregate initial Certificate Principal Amount of at least $1,000,000 or, in the case of a Class of Interest-Only Certificates and any Residual Certificate, a Percentage Interest of 100%, by wire transfer in immediately available funds to an account specified in such request and at the expense of such Certificateholder requesting such wire transfer by deducting a wire transfer fee from the related distribution; provided, however, that the final distribution in respect of any Certificate shall be made only upon presentation and surrender of such Certificate at the Corporate Trust Office (as defined below); provided, further, that the foregoing provisions shall not apply to any Certificate as long as such Certificate remains a Book-Entry Certificate, in which case all payments made shall be made through the Clearing Agency and its Clearing Agency Participants.  Notwithstanding such final payment of principal of any of the Certificates, each Residual Certificate will remain outstanding until the termination of the related REMIC or REMICs and the payment in full of all other amounts due with respects to the Residual Certificates and at such time such final payment in retirement of any Residual Certificate will be made only upon presentation and surrender of such Certificate at the Corporate Trust Office.

The Corporate Trust Office with respect to the presentment and surrender of Certificates for the final distribution thereon is the corporate trust office of the Certificate Registrar at Sixth Street and Marquette Avenue, Minneapolis, Minnesota 55479, Attention: Corporate Trust Services -- Sequoia Mortgage Trust 2011-2 or at such other address as the Securities Administrator may designate from time to time.

  

A-43

  

The Pooling and Servicing Agreement may be amended by the Trustee, the Master Servicer, the Securities Administrator, and the Depositor with the consent of the Holders of not less than 66-2/3% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of the Pooling and Servicing Agreement or of modifying in any manner the rights of the Holders; provided, however, that no such amendment shall be made unless the Trustee and the Securities Administrator receive an Opinion of Counsel, at the expense of the party requesting the change, that such change will not cause an Adverse REMIC Event; and provided further, that no such amendment may (i) reduce in any manner the amount of, or delay the timing of, payments received on Mortgage Loans which are required to be distributed on any Certificate, without the consent of the Holder of such Certificate or (ii) reduce the aforesaid percentages of Class Principal Amount or Class Notional Amount (or Percentage Interest) of Certificates of each Class, the Holders of which are required to consent to any such amendment without the consent of the Holders of 100% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby.  For purposes of this paragraph, references to “Holder” or “Holders” shall be deemed to include, in the case of any Class of Book-Entry Certificates, the related Certificate Owners.  Any consent by the Holder of this Certificate will be conclusive and binding upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not consent is made with respect to such Certificate.  The Pooling and Servicing Agreement also permits the amendment thereof in certain limited circumstances without the consent of the Holders.

As provided in the Pooling and Servicing Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registerable in the Certificate Register upon surrender of this Certificate for registration of transfer at the Corporate Trust Office, duly endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by the Holder thereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class of authorized denominations evidencing the same initial Certificate Principal Amount (or Notional Amount) will be issued to the designated transferee or transferees.  As provided in the Pooling and Servicing Agreement and subject to certain limitations therein set forth, this Certificate is exchangeable for new Certificates of the same Class evidencing the same aggregate initial Certificate Principal Amount (or Notional Amount) as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or governmental charge that may be imposed in connection with any exchange of Certificates.

The Class A-1, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5 Certificates are issuable only in registered form in minimum denominations of $100,000 in initial Certificate Principal Amount and in integral multiples of $1 in excess thereof and, in the case of the A-1, Class B-1, Class B-2 and Class B-3 Certificates, will be registered in the name of the nominee of the Clearing Agency, which shall maintain such Certificates through its book-entry facilities and, in the case of the Class B-4 and Class B-5 Certificates, will be maintained in physical form.  The Class A-IO Certificate is issuable only in registered form as a single Certificate representing the entire Percentage Interest in that Class and will be registered in the name of the nominee of the Clearing Agency, which shall maintain such Certificates through its book-entry facilities.  The Class R, and Class LT-R Certificates will each be issued as a single Certificate representing the entire Percentage Interest in that Class and will be maintained in physical form. The Certificates shall remain outstanding until the final Distribution Date for the Certificates.

  

A-44

  

On any date on which the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 20% of the initial Aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date, subject to satisfaction of the conditions described in the Pooling and Servicing Agreement, the Holder of the Class LT-R Certificate may purchase all of the Mortgage Loans from the Trust Fund, thereby causing an early retirement of the Certificates.  If this right is not exercised by the Holder of the Class LT-R Certificate, the Master Servicer will have the option to purchase all of the Mortgage Loans from the Trust Fund on any date on which the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 5% of the initial Aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.

In no event will the trust created by the Pooling and Servicing Agreement continue beyond the expiration of 21 years from the death of the last survivor of the descendants living at the date of the Pooling and Servicing Agreement of a certain person named in the Pooling and Servicing Agreement.

The Depositor, the Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar and any agent of any of them may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar or any such agent shall be affected by any notice to the contrary.

As provided in the Pooling and Servicing Agreement, this Certificate and the Pooling and Servicing Agreement shall be construed in accordance with and governed by the laws of the State of New York without regard to the conflict of laws principles applied in the State of New York.  In the event of any conflict between the provisions of this Certificate and the Pooling and Servicing Agreement, the Pooling and Servicing Agreement shall be controlling.

  

A-45

  

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s) and assign(s) and transfer(s) unto

	  
	  

(Please print or type name and address, including postal zip code, of assignee and social security number or employer identification number)

	  

the within Certificate stating in the names of the undersigned in the Certificate Register and does hereby irrevocably constitute and appoint

	  

to transfer such Certificate in such Certificate Register.

 

I [we] further direct the Certificate Registrar to issue a new Certificate of the same Class of like principal to the above-named assignee and deliver such Certificate to the following address:

	  
	 
	  
	 	 	 	 
	
Dated:

	  	 	  
	  	 	
Signature by or on behalf of Assignor

	  	 	  
	
Authorized Officer

	 	
Signature Guaranteed

	  	 	  
	  	 	  
	
Name of Institution

	 	
NOTICE: The signature(s) of this assignment must correspond with the name(s) on the face of this Certificate without alteration or any change whatsoever.  The signature must be guaranteed by a participant in the Securities Transfer Agents Medallion Program, the New York Stock Exchange Medallion Signature Program or the Stock Exchanges Medallion Program.  Notarized or witnessed signatures are not acceptable as guaranteed signatures.

  

A-46

  

DISTRIBUTION INSTRUCTIONS

 

The assignee should include the following for the information of the Certificate Registrar.  Distributions shall be made by wire transfer in immediately available funds to

 

___________________________________________________________________________________________________________

 

for the account of ___________________________________  account number ___________________________ or, if mailed by check, 

 

to  ____________________________________

 

___________________________________________________________________________________________________________

 

Applicable reports and statements should be mailed to  _________________________________________________________________

 

___________________________________________________________________________________________________________

 

This information is provided by  ___________________________________________________________________________

 

the assignee named above, or ___________________________________________________ as its agent.

 

  

A-47

  

THIS CERTIFICATE IS A REMIC REGULAR INTEREST CERTIFICATE. THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, AND IS NOT GUARANTEED BY, THE DEPOSITOR, THE TRUSTEE, THE SECURITIES ADMINISTRATOR, THE MASTER SERVICER OR ANY AFFILIATE OF ANY OF THEM AND IS NOT INSURED OR GUARANTEED BY ANY GOVERNMENTAL AGENCY OR PRIVATE INSURER.

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL AMOUNT OF THIS CERTIFICATE MAY BE MADE IN INSTALLMENTS AS SET FORTH HEREIN. ACCORDINGLY, THE CERTIFICATE PRINCIPAL AMOUNT OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ON THE FACE HEREOF.

THIS CERTIFICATE IS SUBORDINATE IN RIGHT OF PAYMENT AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "1933 ACT"), OR ANY STATE SECURITIES LAWS. NEITHER THIS CERTIFICATE NOR ANY INTEREST OR PARTICIPATION HEREIN MAY BE REOFFERED, SOLD, ASSIGNED, TRANSFERRED, PLEDGED, ENCUMBERED OR OTHERWISE DISPOSED OF IN THE ABSENCE OF SUCH REGISTRATION, UNLESS SUCH TRANSACTION IS EXEMPT FROM, OR NOT SUBJECT TO, REGISTRATION.

THE HOLDER OF THIS CERTIFICATE BY ITS ACCEPTANCE HEREOF AGREES TO OFFER, SELL OR OTHERWISE TRANSFER SUCH CERTIFICATE ONLY (A) PURSUANT TO A REGISTRATION STATEMENT WHICH HAS BEEN DECLARED EFFECTIVE UNDER THE 1933 ACT, (B) TO PERSON IT REASONABLY BELIEVES IS A "QUALIFIED INSTITUTIONAL BUYER" AS DEFINED IN RULE 144A UNDER THE 1933 ACT THAT PURCHASES FOR ITS OWN ACCOUNT OR FOR THE ACCOUNT OF A QUALIFIED INSTITUTIONAL BUYER TO WHOM NOTICE IS GIVEN THAT THE TRANSFER IS BEING MADE IN RELIANCE ON RULE 144A, OR (C) TO AN INSTITUTIONAL "ACCREDITED INVESTOR" WITHIN THE MEANING OF SUBPARAGRAPH (A)(1), (2), (3) OR (7) OF RULE 501 UNDER THE 1933 ACT THAT IS ACQUIRING THE CERTIFICATE FOR ITS OWN ACCOUNT, OR FOR THE ACCOUNT OF SUCH AN INSTITUTIONAL "ACCREDITED INVESTOR," FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO, OR FOR OFFER OR SALE IN CONNECTION WITH, ANY DISTRIBUTION VIOLATION OF THE 1933 ACT, SUBJECT TO THE CERTIFICATE REGISTRAR'S RIGHT PRIOR TO ANY SUCH OFFER, SALE OR TRANSFER TO REQUIRE THE DELIVERY OF A CERTIFICATE OF TRANSFER IN THE FORM APPEARING IN THE POOLING AND SERVICING AGREEMENT.

NO TRANSFER OF THIS CERTIFICATE OR ANY INTEREST THEREIN SHALL BE MADE TO ANY EMPLOYEE BENEFIT PLAN OR OTHER PLAN OR ARRANGEMENT SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR SECTION 4975 OF THE CODE, OR ANY PERSON (INCLUDING AN INSURANCE COMPANY INVESTING ITS GENERAL ACCOUNT, AN INVESTMENT MANAGER, A

  

A-48

  

NAMED FIDUCIARY OR A TRUSTEE OF ANY SUCH PLAN) WHO IS USING “PLAN ASSETS” OF ANY SUCH PLAN TO EFFECT SUCH ACQUISITION (EACH OF THE FOREGOING, A “PLAN INVESTOR”) UNLESS THE CERTIFICATE REGISTRAR IS PROVIDED WITH EITHER (I) A CERTIFICATION PURSUANT TO SECTION 3.03(d)(i) OF THE AGREEMENT OR (II) AN OPINION OF COUNSEL ACCEPTABLE TO AND IN FORM AND SUBSTANCE SATISFACTORY TO THE CERTIFICATE REGISTRAR TO THE EFFECT THAT THE PURCHASE OR HOLDING OF THIS CERTIFICATE IS PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT IN ANY NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE (OR COMPARABLE PROVISIONS OF ANY SUBSEQUENT ENACTMENTS), AND WILL NOT SUBJECT THE CERTIFICATE REGISTRAR, THE TRUSTEE  OR THE DEPOSITOR  TO ANY OBLIGATION OR LIABILITY (INCLUDING OBLIGATIONS OR LIABILITIES UNDER ERISA OR SECTION 4975 OF THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT, WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE TRUST FUND, THE CERTIFICATE REGISTRAR, THE TRUSTEE OR THE DEPOSITOR.  EACH INVESTOR IN THIS CERTIFICATE WILL BE DEEMED TO REPRESENT THAT IT IS IN COMPLIANCE WITH THE FOREGOING AND WILL BE FURTHER DEEMED TO REPRESENT, WARRANT AND COVENANT THAT IT WILL NOT SELL, PLEDGE OR OTHERWISE TRANSFER SUCH ERISA-RESTRICTED CERTIFICATE IN VIOLATION OF THE FOREGOING.

ANY PURPORTED CERTIFICATE OWNER WHOSE ACQUISITION OR HOLDING OF THIS CERTIFICATE (OR INTEREST THEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS IN SECTION 3.03 OF THE AGREEMENT SHALL INDEMNIFY AND HOLD HARMLESS THE CERTIFICATE REGISTRAR, THE DEPOSITOR, THE TRUSTEE AND THE TRUST FUND FROM AND AGAINST ANY AND ALL LIABILITIES, CLAIMS, COSTS OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR HOLDING.

  

A-49

  

SEQUOIA MORTGAGE TRUST 2011-2

MORTGAGE PASS-THROUGH CERTIFICATES, CLASS B-4

Evidencing a beneficial interest in a pool of residential mortgage loans and any other assets established by

SEQUOIA RESIDENTIAL FUNDING, INC.

	
Initial Class Principal

Amount of the Class B-4

Certificates: $3,002,000

 

Certificate Interest Rate: Adjustable

 

 

Final Scheduled Distribution

Date: September 2041

 

 

NUMBER 1

	
Initial Certificate

Principal Amount of this

Certificates: $3,002,000

 

 

Cut-off Date: September 1, 2011

 

 

 

 

 

CUSIP: 81744Q AF0

  

A-50

  

THIS CERTIFIES THAT NIMER & CO. is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Amount of this Certificate by the initial Class Principal Amount of all Class B-4 Certificates, both as specified above) in a Trust Fund, the assets of which consist of the Mortgage Loans and all interest and principal received thereon after the Cut-off Date (other than Scheduled Payments due on or prior to the Cut-off Date), the rights of the Seller and the Depositor assigned to the Trustee under each Purchase Agreement, each Servicing Agreement, the Mortgage Loan Purchase and Sale Agreement, the Insurance Policies relating to the Mortgage Loans, all cash, instruments or property held or required to be held in the Custodial Accounts and the Distribution Account and property that secured a Mortgage Loan; and certain other assets, if any, as described in the Pooling and Servicing Agreement (the foregoing assets hereinafter collectively referred to as the “Trust Fund”).

Distributions on this Certificate will be made on the 25th day of each month or, if such day is not a Business Day, then on the succeeding Business Day, commencing in October 2011 (each, a “Distribution Date”), to the Person in whose name this Certificate is registered at the close of business on the last Business Day preceding such Distribution Date (the “Record Date”), in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount, if any, required to be distributed to all Certificates of the Class represented by this Certificate. All sums distributable on this Certificate are payable in the coin or currency of the United States of America which at the time of payment is legal tender for the payment of public and private debts.

Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which shall have the same effect as though fully set forth on the face of this Certificate.

Unless the certificate of authentication hereon has been executed by or on behalf of the Authenticating Agent, whose name appears below by manual signature, this Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose.

  

A-51

  

IN WITNESS WHEREOF, U.S. Bank National Association, as Trustee, has caused this Certificate to be duly executed.

U.S. BANK NATIONAL ASSOCIATION,

as Trustee

By:                                                   

AUTHORIZED SIGNATORY

Dated:                                               

CERTIFICATE AUTHENTICATION

This is one of the Certificates referred to in the within-mentioned Pooling and Servicing Agreement.

WELLS FARGO BANK, N.A.,

as Authenticating Agent

By:                                                   

AUTHORIZED SIGNATORY

Dated:                                               

  

A-52

  

SEQUOIA MORTGAGE TRUST 2011-2

MORTGAGE PASS-THROUGH CERTIFICATE

This Certificate is one of a duly authorized issue of certificates designated as Sequoia Mortgage Trust 2011-2 Mortgage Pass-Through Certificates (the “Certificates”), representing all or part of a beneficial ownership interest in a Trust Fund established pursuant to a Pooling and Servicing Agreement, dated as of September 1, 2011 (the “Pooling and Servicing Agreement”), among Sequoia Residential Funding, Inc., as depositor (the “Depositor”), Wells Fargo Bank, N.A., as master servicer (in such capacity, the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”) and U.S. Bank National Association, as trustee (the “Trustee”), to which terms, provisions and conditions thereof the Holder of this Certificate by virtue of the acceptance hereof assents, and by which such Holder is bound. Except as otherwise defined herein, all capitalized terms used herein shall have the meanings ascribed to them in the Pooling and Servicing Agreement. The Certificates consist of the following Classes: Class A-1, Class R, Class LT-R, Class A-IO, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5.

On each Distribution Date, the Paying Agent, on behalf of the Trustee, will make distributions from the Distribution Account to the Holders of Certificates according to the terms of the Pooling and Servicing Agreement.  All distributions or allocations made with respect to each Class of Certificates on each Distribution Date shall be allocated among the outstanding Certificates of such Class based on the Certificate Principal Amount (or Notional Amount) of each such Certificate.

Distributions on this Certificate will be made by check mailed to the Holder of record of this Certificate on the immediately preceding Record Date at the address of such Holder as its appears on the Certificate Register or, upon written request made to the Securities Administrator at least five Business Days prior to the related Record Date, by any Certificateholder owning an aggregate initial Certificate Principal Amount of at least $1,000,000 or, in the case of a Class of Interest-Only Certificates and any Residual Certificate, a Percentage Interest of 100%, by wire transfer in immediately available funds to an account specified in such request and at the expense of such Certificateholder requesting such wire transfer by deducting a wire transfer fee from the related distribution; provided, however, that the final distribution in respect of any Certificate shall be made only upon presentation and surrender of such Certificate at the Corporate Trust Office (as defined below); provided, further, that the foregoing provisions shall not apply to any Certificate as long as such Certificate remains a Book-Entry Certificate, in which case all payments made shall be made through the Clearing Agency and its Clearing Agency Participants.  Notwithstanding such final payment of principal of any of the Certificates, each Residual Certificate will remain outstanding until the termination of the related REMIC or REMICs and the payment in full of all other amounts due with respects to the Residual Certificates and at such time such final payment in retirement of any Residual Certificate will be made only upon presentation and surrender of such Certificate at the Corporate Trust Office.

The Corporate Trust Office with respect to the presentment and surrender of Certificates for the final distribution thereon is the corporate trust office of the Certificate Registrar at Sixth Street and Marquette Avenue, Minneapolis, Minnesota 55479, Attention: Corporate Trust Services -- Sequoia Mortgage Trust 2011-2 or at such other address as the Securities Administrator may designate from time to time.

  

A-53

  

The Pooling and Servicing Agreement may be amended by the Trustee, the Master Servicer, the Securities Administrator, and the Depositor with the consent of the Holders of not less than 66-2/3% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of the Pooling and Servicing Agreement or of modifying in any manner the rights of the Holders; provided, however, that no such amendment shall be made unless the Trustee and the Securities Administrator receive an Opinion of Counsel, at the expense of the party requesting the change, that such change will not cause an Adverse REMIC Event; and provided further, that no such amendment may (i) reduce in any manner the amount of, or delay the timing of, payments received on Mortgage Loans which are required to be distributed on any Certificate, without the consent of the Holder of such Certificate or (ii) reduce the aforesaid percentages of Class Principal Amount or Class Notional Amount (or Percentage Interest) of Certificates of each Class, the Holders of which are required to consent to any such amendment without the consent of the Holders of 100% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby.  For purposes of this paragraph, references to “Holder” or “Holders” shall be deemed to include, in the case of any Class of Book-Entry Certificates, the related Certificate Owners.  Any consent by the Holder of this Certificate will be conclusive and binding upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not consent is made with respect to such Certificate.  The Pooling and Servicing Agreement also permits the amendment thereof in certain limited circumstances without the consent of the Holders.

As provided in the Pooling and Servicing Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registerable in the Certificate Register upon surrender of this Certificate for registration of transfer at the Corporate Trust Office, duly endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by the Holder thereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class of authorized denominations evidencing the same initial Certificate Principal Amount (or Notional Amount) will be issued to the designated transferee or transferees.  As provided in the Pooling and Servicing Agreement and subject to certain limitations therein set forth, this Certificate is exchangeable for new Certificates of the same Class evidencing the same aggregate initial Certificate Principal Amount (or Notional Amount) as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or governmental charge that may be imposed in connection with any exchange of Certificates.

The Class A-1, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5 Certificates are issuable only in registered form in minimum denominations of $100,000 in initial Certificate Principal Amount and in integral multiples of $1 in excess thereof and, in the case of the A-1, Class B-1, Class B-2 and Class B-3 Certificates, will be registered in the name of the nominee of the Clearing Agency, which shall maintain such Certificates through its book-entry facilities and, in the case of the Class B-4 and Class B-5 Certificates, will be maintained in physical form.  The Class A-IO Certificate is issuable only in registered form as a single Certificate representing the entire Percentage Interest in that Class and will be registered in the name of the nominee of the Clearing Agency, which shall maintain such Certificates through its book-entry facilities.  The Class R, and Class LT-R Certificates will each be issued as a single Certificate representing the entire Percentage Interest in that Class and will be maintained in physical form. The Certificates shall remain outstanding until the final Distribution Date for the Certificates.

  

A-54

  

On any date on which the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 20% of the initial Aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date, subject to satisfaction of the conditions described in the Pooling and Servicing Agreement, the Holder of the Class LT-R Certificate may purchase all of the Mortgage Loans from the Trust Fund, thereby causing an early retirement of the Certificates.  If this right is not exercised by the Holder of the Class LT-R Certificate, the Master Servicer will have the option to purchase all of the Mortgage Loans from the Trust Fund on any date on which the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 5% of the initial Aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.

In no event will the trust created by the Pooling and Servicing Agreement continue beyond the expiration of 21 years from the death of the last survivor of the descendants living at the date of the Pooling and Servicing Agreement of a certain person named in the Pooling and Servicing Agreement.

The Depositor, the Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar and any agent of any of them may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar or any such agent shall be affected by any notice to the contrary.

As provided in the Pooling and Servicing Agreement, this Certificate and the Pooling and Servicing Agreement shall be construed in accordance with and governed by the laws of the State of New York without regard to the conflict of laws principles applied in the State of New York.  In the event of any conflict between the provisions of this Certificate and the Pooling and Servicing Agreement, the Pooling and Servicing Agreement shall be controlling.

  

A-55

  

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s) and assign(s) and transfer(s) unto

	  
	  

(Please print or type name and address, including postal zip code, of assignee and social security number or employer identification number)

	  

the within Certificate stating in the names of the undersigned in the Certificate Register and does hereby irrevocably constitute and appoint

	  

to transfer such Certificate in such Certificate Register.

 

I [we] further direct the Certificate Registrar to issue a new Certificate of the same Class of like principal to the above-named assignee and deliver such Certificate to the following address:

	  
	 
	  
	 	 	 	 
	
Dated:

	  	 	  
	  	 	
Signature by or on behalf of Assignor

	  	 	  
	
Authorized Officer

	 	
Signature Guaranteed

	  	 	  
	  	 	  
	
Name of Institution

	 	
NOTICE: The signature(s) of this assignment must correspond with the name(s) on the face of this Certificate without alteration or any change whatsoever.  The signature must be guaranteed by a participant in the Securities Transfer Agents Medallion Program, the New York Stock Exchange Medallion Signature Program or the Stock Exchanges Medallion Program.  Notarized or witnessed signatures are not acceptable as guaranteed signatures.

  

A-56

  

DISTRIBUTION INSTRUCTIONS

 

The assignee should include the following for the information of the Certificate Registrar.  Distributions shall be made by wire transfer in immediately available funds to

 

___________________________________________________________________________________________________________

 

for the account of ___________________________________  account number ___________________________ or, if mailed by check, 

 

to  ____________________________________

 

___________________________________________________________________________________________________________

 

Applicable reports and statements should be mailed to  _________________________________________________________________

 

___________________________________________________________________________________________________________

 

This information is provided by  ___________________________________________________________________________

 

the assignee named above, or ___________________________________________________ as its agent.

 

  

A-57

  

THIS CERTIFICATE IS A REMIC REGULAR INTEREST CERTIFICATE. THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, AND IS NOT GUARANTEED BY, THE DEPOSITOR, THE TRUSTEE, THE SECURITIES ADMINISTRATOR, THE MASTER SERVICER OR ANY AFFILIATE OF ANY OF THEM AND IS NOT INSURED OR GUARANTEED BY ANY GOVERNMENTAL AGENCY OR PRIVATE INSURER.

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL AMOUNT OF THIS CERTIFICATE MAY BE MADE IN INSTALLMENTS AS SET FORTH HEREIN. ACCORDINGLY, THE CERTIFICATE PRINCIPAL AMOUNT OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ON THE FACE HEREOF.

THIS CERTIFICATE IS SUBORDINATE IN RIGHT OF PAYMENT AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "1933 ACT"), OR ANY STATE SECURITIES LAWS. NEITHER THIS CERTIFICATE NOR ANY INTEREST OR PARTICIPATION HEREIN MAY BE REOFFERED, SOLD, ASSIGNED, TRANSFERRED, PLEDGED, ENCUMBERED OR OTHERWISE DISPOSED OF IN THE ABSENCE OF SUCH REGISTRATION, UNLESS SUCH TRANSACTION IS EXEMPT FROM, OR NOT SUBJECT TO, REGISTRATION.

THE HOLDER OF THIS CERTIFICATE BY ITS ACCEPTANCE HEREOF AGREES TO OFFER, SELL OR OTHERWISE TRANSFER SUCH CERTIFICATE ONLY (A) PURSUANT TO A REGISTRATION STATEMENT WHICH HAS BEEN DECLARED EFFECTIVE UNDER THE 1933 ACT, (B) TO PERSON IT REASONABLY BELIEVES IS A "QUALIFIED INSTITUTIONAL BUYER" AS DEFINED IN RULE 144A UNDER THE 1933 ACT THAT PURCHASES FOR ITS OWN ACCOUNT OR FOR THE ACCOUNT OF A QUALIFIED INSTITUTIONAL BUYER TO WHOM NOTICE IS GIVEN THAT THE TRANSFER IS BEING MADE IN RELIANCE ON RULE 144A, OR (C) TO AN INSTITUTIONAL "ACCREDITED INVESTOR" WITHIN THE MEANING OF SUBPARAGRAPH (A)(1), (2), (3) OR (7) OF RULE 501 UNDER THE 1933 ACT THAT IS ACQUIRING THE CERTIFICATE FOR ITS OWN ACCOUNT, OR FOR THE ACCOUNT OF SUCH AN INSTITUTIONAL "ACCREDITED INVESTOR," FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO, OR FOR OFFER OR SALE IN CONNECTION WITH, ANY DISTRIBUTION VIOLATION OF THE 1933 ACT, SUBJECT TO THE CERTIFICATE REGISTRAR'S RIGHT PRIOR TO ANY SUCH OFFER, SALE OR TRANSFER TO REQUIRE THE DELIVERY OF A CERTIFICATE OF TRANSFER IN THE FORM APPEARING IN THE POOLING AND SERVICING AGREEMENT.

NO TRANSFER OF THIS CERTIFICATE OR ANY INTEREST THEREIN SHALL BE MADE TO ANY EMPLOYEE BENEFIT PLAN OR OTHER PLAN OR ARRANGEMENT SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR SECTION 4975 OF THE CODE, OR ANY PERSON (INCLUDING AN INSURANCE COMPANY INVESTING ITS GENERAL ACCOUNT, AN INVESTMENT MANAGER, A

  

A-58

  

NAMED FIDUCIARY OR A TRUSTEE OF ANY SUCH PLAN) WHO IS USING “PLAN ASSETS” OF ANY SUCH PLAN TO EFFECT SUCH ACQUISITION (EACH OF THE FOREGOING, A “PLAN INVESTOR”) UNLESS THE CERTIFICATE REGISTRAR IS PROVIDED WITH EITHER (I) A CERTIFICATION PURSUANT TO SECTION 3.03(d)(i) OF THE AGREEMENT OR (II) AN OPINION OF COUNSEL ACCEPTABLE TO AND IN FORM AND SUBSTANCE SATISFACTORY TO THE CERTIFICATE REGISTRAR TO THE EFFECT THAT THE PURCHASE OR HOLDING OF THIS CERTIFICATE IS PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT IN ANY NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE (OR COMPARABLE PROVISIONS OF ANY SUBSEQUENT ENACTMENTS), AND WILL NOT SUBJECT THE CERTIFICATE REGISTRAR, THE TRUSTEE  OR THE DEPOSITOR  TO ANY OBLIGATION OR LIABILITY (INCLUDING OBLIGATIONS OR LIABILITIES UNDER ERISA OR SECTION 4975 OF THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT, WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE TRUST FUND, THE CERTIFICATE REGISTRAR, THE TRUSTEE OR THE DEPOSITOR.  EACH INVESTOR IN THIS CERTIFICATE WILL BE DEEMED TO REPRESENT THAT IT IS IN COMPLIANCE WITH THE FOREGOING AND WILL BE FURTHER DEEMED TO REPRESENT, WARRANT AND COVENANT THAT IT WILL NOT SELL, PLEDGE OR OTHERWISE TRANSFER SUCH ERISA-RESTRICTED CERTIFICATE IN VIOLATION OF THE FOREGOING.

ANY PURPORTED CERTIFICATE OWNER WHOSE ACQUISITION OR HOLDING OF THIS CERTIFICATE (OR INTEREST THEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS IN SECTION 3.03 OF THE AGREEMENT SHALL INDEMNIFY AND HOLD HARMLESS THE CERTIFICATE REGISTRAR, THE DEPOSITOR, THE TRUSTEE AND THE TRUST FUND FROM AND AGAINST ANY AND ALL LIABILITIES, CLAIMS, COSTS OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR HOLDING.

  

A-59

  

SEQUOIA MORTGAGE TRUST 2011-2

MORTGAGE PASS-THROUGH CERTIFICATES, CLASS B-5

Evidencing a beneficial interest in a pool of residential mortgage loans and any other assets established by

SEQUOIA RESIDENTIAL FUNDING, INC.

	
Initial Class Principal

Amount of the Class B-5

Certificates: $4,128,254

 

Certificate Interest Rate: Adjustable

 

 

Final Scheduled Distribution

Date: September 2041

 

 

NUMBER 1

	
Initial Certificate

Principal Amount of this

Certificates: $4,128,254

 

 

Cut-off Date: September 1, 2011

 

 

 

 

 

CUSIP: 81744Q AG8

  

A-60

  

THIS CERTIFIES THAT NIMER & CO. is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Amount of this Certificate by the initial Class Principal Amount of all Class B-5 Certificates, both as specified above) in a Trust Fund, the assets of which consist of the Mortgage Loans and all interest and principal received thereon after the Cut-off Date (other than Scheduled Payments due on or prior to the Cut-off Date), the rights of the Seller and the Depositor assigned to the Trustee under each Purchase Agreement, each Servicing Agreement, the Mortgage Loan Purchase and Sale Agreement, the Insurance Policies relating to the Mortgage Loans, all cash, instruments or property held or required to be held in the Custodial Accounts and the Distribution Account and property that secured a Mortgage Loan; and certain other assets, if any, as described in the Pooling and Servicing Agreement (the foregoing assets hereinafter collectively referred to as the “Trust Fund”).

Distributions on this Certificate will be made on the 25th day of each month or, if such day is not a Business Day, then on the succeeding Business Day, commencing in October 2011 (each, a “Distribution Date”), to the Person in whose name this Certificate is registered at the close of business on the last Business Day preceding such Distribution Date (the “Record Date”), in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount, if any, required to be distributed to all Certificates of the Class represented by this Certificate. All sums distributable on this Certificate are payable in the coin or currency of the United States of America which at the time of payment is legal tender for the payment of public and private debts.

Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which shall have the same effect as though fully set forth on the face of this Certificate.

Unless the certificate of authentication hereon has been executed by or on behalf of the Authenticating Agent, whose name appears below by manual signature, this Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose.

  

A-61

  

IN WITNESS WHEREOF, U.S. Bank National Association, as Trustee, has caused this Certificate to be duly executed.

U.S. BANK NATIONAL ASSOCIATION,

as Trustee

By:                                                   

AUTHORIZED SIGNATORY

Dated:                                               

CERTIFICATE AUTHENTICATION

This is one of the Certificates referred to in the within-mentioned Pooling and Servicing Agreement.

WELLS FARGO BANK, N.A.,

as Authenticating Agent

By:                                                   

AUTHORIZED SIGNATORY

Dated:                                               

  

A-62

  

SEQUOIA MORTGAGE TRUST 2011-2

MORTGAGE PASS-THROUGH CERTIFICATE

This Certificate is one of a duly authorized issue of certificates designated as Sequoia Mortgage Trust 2011-2 Mortgage Pass-Through Certificates (the “Certificates”), representing all or part of a beneficial ownership interest in a Trust Fund established pursuant to a Pooling and Servicing Agreement, dated as of September 1, 2011 (the “Pooling and Servicing Agreement”), among Sequoia Residential Funding, Inc., as depositor (the “Depositor”), Wells Fargo Bank, N.A., as master servicer (in such capacity, the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”) and U.S. Bank National Association, as trustee (the “Trustee”), to which terms, provisions and conditions thereof the Holder of this Certificate by virtue of the acceptance hereof assents, and by which such Holder is bound. Except as otherwise defined herein, all capitalized terms used herein shall have the meanings ascribed to them in the Pooling and Servicing Agreement. The Certificates consist of the following Classes: Class A-1, Class R, Class LT-R, Class A-IO, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5.

On each Distribution Date, the Paying Agent, on behalf of the Trustee, will make distributions from the Distribution Account to the Holders of Certificates according to the terms of the Pooling and Servicing Agreement.  All distributions or allocations made with respect to each Class of Certificates on each Distribution Date shall be allocated among the outstanding Certificates of such Class based on the Certificate Principal Amount (or Notional Amount) of each such Certificate.

Distributions on this Certificate will be made by check mailed to the Holder of record of this Certificate on the immediately preceding Record Date at the address of such Holder as its appears on the Certificate Register or, upon written request made to the Securities Administrator at least five Business Days prior to the related Record Date, by any Certificateholder owning an aggregate initial Certificate Principal Amount of at least $1,000,000 or, in the case of a Class of Interest-Only Certificates and any Residual Certificate, a Percentage Interest of 100%, by wire transfer in immediately available funds to an account specified in such request and at the expense of such Certificateholder requesting such wire transfer by deducting a wire transfer fee from the related distribution; provided, however, that the final distribution in respect of any Certificate shall be made only upon presentation and surrender of such Certificate at the Corporate Trust Office (as defined below); provided, further, that the foregoing provisions shall not apply to any Certificate as long as such Certificate remains a Book-Entry Certificate, in which case all payments made shall be made through the Clearing Agency and its Clearing Agency Participants.  Notwithstanding such final payment of principal of any of the Certificates, each Residual Certificate will remain outstanding until the termination of the related REMIC or REMICs and the payment in full of all other amounts due with respects to the Residual Certificates and at such time such final payment in retirement of any Residual Certificate will be made only upon presentation and surrender of such Certificate at the Corporate Trust Office.

The Corporate Trust Office with respect to the presentment and surrender of Certificates for the final distribution thereon is the corporate trust office of the Certificate Registrar at Sixth Street and Marquette Avenue, Minneapolis, Minnesota 55479, Attention: Corporate Trust Services -- Sequoia Mortgage Trust 2011-2 or at such other address as the Securities Administrator may designate from time to time.

  

A-63

  

The Pooling and Servicing Agreement may be amended by the Trustee, the Master Servicer, the Securities Administrator, and the Depositor with the consent of the Holders of not less than 66-2/3% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of the Pooling and Servicing Agreement or of modifying in any manner the rights of the Holders; provided, however, that no such amendment shall be made unless the Trustee and the Securities Administrator receive an Opinion of Counsel, at the expense of the party requesting the change, that such change will not cause an Adverse REMIC Event; and provided further, that no such amendment may (i) reduce in any manner the amount of, or delay the timing of, payments received on Mortgage Loans which are required to be distributed on any Certificate, without the consent of the Holder of such Certificate or (ii) reduce the aforesaid percentages of Class Principal Amount or Class Notional Amount (or Percentage Interest) of Certificates of each Class, the Holders of which are required to consent to any such amendment without the consent of the Holders of 100% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby.  For purposes of this paragraph, references to “Holder” or “Holders” shall be deemed to include, in the case of any Class of Book-Entry Certificates, the related Certificate Owners.  Any consent by the Holder of this Certificate will be conclusive and binding upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not consent is made with respect to such Certificate.  The Pooling and Servicing Agreement also permits the amendment thereof in certain limited circumstances without the consent of the Holders.

As provided in the Pooling and Servicing Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registerable in the Certificate Register upon surrender of this Certificate for registration of transfer at the Corporate Trust Office, duly endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by the Holder thereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class of authorized denominations evidencing the same initial Certificate Principal Amount (or Notional Amount) will be issued to the designated transferee or transferees.  As provided in the Pooling and Servicing Agreement and subject to certain limitations therein set forth, this Certificate is exchangeable for new Certificates of the same Class evidencing the same aggregate initial Certificate Principal Amount (or Notional Amount) as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or governmental charge that may be imposed in connection with any exchange of Certificates.

The Class A-1, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5 Certificates are issuable only in registered form in minimum denominations of $100,000 in initial Certificate Principal Amount and in integral multiples of $1 in excess thereof and, in the case of the A-1, Class B-1, Class B-2 and Class B-3 Certificates, will be registered in the name of the nominee of the Clearing Agency, which shall maintain such Certificates through its book-entry facilities and, in the case of the Class B-4 and Class B-5 Certificates, will be maintained in physical form.  The Class A-IO Certificate is issuable only in registered form as a single Certificate representing the entire Percentage Interest in that Class and will be registered in the name of the nominee of the Clearing Agency, which shall maintain such Certificates through its book-entry facilities.  The Class R, and Class LT-R Certificates will each be issued as a single Certificate representing the entire Percentage Interest in that Class and will be maintained in physical form. The Certificates shall remain outstanding until the final Distribution Date for the Certificates.

  

A-64

  

On any date on which the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 20% of the initial Aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date, subject to satisfaction of the conditions described in the Pooling and Servicing Agreement, the Holder of the Class LT-R Certificate may purchase all of the Mortgage Loans from the Trust Fund, thereby causing an early retirement of the Certificates.  If this right is not exercised by the Holder of the Class LT-R Certificate, the Master Servicer will have the option to purchase all of the Mortgage Loans from the Trust Fund on any date on which the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 5% of the initial Aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.

In no event will the trust created by the Pooling and Servicing Agreement continue beyond the expiration of 21 years from the death of the last survivor of the descendants living at the date of the Pooling and Servicing Agreement of a certain person named in the Pooling and Servicing Agreement.

The Depositor, the Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar and any agent of any of them may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar or any such agent shall be affected by any notice to the contrary.

As provided in the Pooling and Servicing Agreement, this Certificate and the Pooling and Servicing Agreement shall be construed in accordance with and governed by the laws of the State of New York without regard to the conflict of laws principles applied in the State of New York.  In the event of any conflict between the provisions of this Certificate and the Pooling and Servicing Agreement, the Pooling and Servicing Agreement shall be controlling.

  

A-65

  

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s) and assign(s) and transfer(s) unto

	  
	  

(Please print or type name and address, including postal zip code, of assignee and social security number or employer identification number)

	  

the within Certificate stating in the names of the undersigned in the Certificate Register and does hereby irrevocably constitute and appoint

	  

to transfer such Certificate in such Certificate Register.

 

I [we] further direct the Certificate Registrar to issue a new Certificate of the same Class of like principal to the above-named assignee and deliver such Certificate to the following address:

	 
	  
	 
	  
	 	 	 	 
	
Dated:

	  	 	  
	  	 	
Signature by or on behalf of Assignor

	  	 	  
	
Authorized Officer

	 	
Signature Guaranteed

	  	 	  
	  	 	  
	
Name of Institution

	 	
NOTICE: The signature(s) of this assignment must correspond with the name(s) on the face of this Certificate without alteration or any change whatsoever.  The signature must be guaranteed by a participant in the Securities Transfer Agents Medallion Program, the New York Stock Exchange Medallion Signature Program or the Stock Exchanges Medallion Program.  Notarized or witnessed signatures are not acceptable as guaranteed signatures.

  

A-66

  

DISTRIBUTION INSTRUCTIONS

 

The assignee should include the following for the information of the Certificate Registrar.  Distributions shall be made by wire transfer in immediately available funds to

 

___________________________________________________________________________________________________________

 

for the account of ___________________________________  account number ___________________________ or, if mailed by check, 

 

to  ____________________________________

 

___________________________________________________________________________________________________________

 

Applicable reports and statements should be mailed to  _________________________________________________________________

 

___________________________________________________________________________________________________________

 

This information is provided by  ___________________________________________________________________________

 

the assignee named above, or ___________________________________________________ as its agent.

 

  

A-67

  

THIS CERTIFICATE IS A REMIC RESIDUAL INTEREST CERTIFICATE. THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, AND IS NOT GUARANTEED BY, THE DEPOSITOR, THE TRUSTEE, THE SECURITIES ADMINISTRATOR, THE MASTER SERVICER OR ANY AFFILIATE OF ANY OF THEM AND IS NOT INSURED OR GUARANTEED BY ANY GOVERNMENTAL AGENCY OR PRIVATE INSURER.

THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "1933 ACT"), OR ANY STATE SECURITIES LAWS. NEITHER THIS CERTIFICATE NOR ANY INTEREST OR PARTICIPATION HEREIN MAY BE REOFFERED, SOLD, ASSIGNED, TRANSFERRED, PLEDGED, ENCUMBERED OR OTHERWISE DISPOSED OF IN THE ABSENCE OF SUCH REGISTRATION, UNLESS SUCH TRANSACTION IS EXEMPT FROM, OR NOT SUBJECT TO, REGISTRATION.

THE HOLDER OF THIS CERTIFICATE BY ITS ACCEPTANCE HEREOF AGREES TO OFFER, SELL OR OTHERWISE TRANSFER SUCH CERTIFICATE ONLY (A) PURSUANT TO A REGISTRATION STATEMENT WHICH HAS BEEN DECLARED EFFECTIVE UNDER THE 1933 ACT, (B) TO PERSON IT REASONABLY BELIEVES IS A "QUALIFIED INSTITUTIONAL BUYER" AS DEFINED IN RULE 144A UNDER THE 1933 ACT THAT PURCHASES FOR ITS OWN ACCOUNT OR FOR THE ACCOUNT OF A QUALIFIED INSTITUTIONAL BUYER TO WHOM NOTICE IS GIVEN THAT THE TRANSFER IS BEING MADE IN RELIANCE ON RULE 144A, OR (C) TO AN INSTITUTIONAL "ACCREDITED INVESTOR" WITHIN THE MEANING OF SUBPARAGRAPH (A)(1), (2), (3) OR (7) OF RULE 501 UNDER THE 1933 ACT THAT IS ACQUIRING THE CERTIFICATE FOR ITS OWN ACCOUNT, OR FOR THE ACCOUNT OF SUCH AN INSTITUTIONAL "ACCREDITED INVESTOR," FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO, OR FOR OFFER OR SALE IN CONNECTION WITH, ANY DISTRIBUTION VIOLATION OF THE 1933 ACT, SUBJECT TO THE CERTIFICATE REGISTRAR'S RIGHT PRIOR TO ANY SUCH OFFER, SALE OR TRANSFER TO REQUIRE THE DELIVERY OF A CERTIFICATE OF TRANSFER IN THE FORM APPEARING IN THE POOLING AND SERVICING AGREEMENT.

ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY IF THE PROPOSED TRANSFEREE PROVIDES A TRANSFER AFFIDAVIT TO THE DEPOSITOR AND THE TRUSTEE THAT (1) SUCH TRANSFEREE IS NOT EITHER (A) THE UNITED STATES, ANY STATE OR POLITICAL SUBDIVISION THEREOF, ANY FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR ANY AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING, (B) ANY ORGANIZATION (OTHER THAN A COOPERATIVE DESCRIBED IN SECTION 521 OF THE CODE) WHICH IS EXEMPT FROM THE TAX IMPOSED BY CHAPTER 1 OF THE CODE UNLESS SUCH ORGANIZATION IS SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF THE CODE, (C) ANY ORGANIZATION DESCRIBED IN SECTION 1381(a)(2)(C) OF THE CODE, (D) AN ELECTING LARGE-PARTNERSHIP WITHIN THE MEANING OF SECTION 775 OF THE CODE (ANY SUCH PERSON DESCRIBED IN THE FOREGOING CLAUSES (A), (B), (C) OR (D) BEING HEREINAFTER REFERRED TO AS A “DISQUALIFIED ORGANIZATION”), OR (E) AN AGENT OF A DISQUALIFIED

  

A-68

  

ORGANIZATION AND (2) NO PURPOSE OF SUCH TRANSFER IS TO ENABLE THE TRANSFEROR TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX. SUCH AFFIDAVIT SHALL INCLUDE CERTAIN REPRESENTATIONS AS TO THE FINANCIAL CONDITION OF THE PROPOSED TRANSFEREE AND ITS STATUS AS A NON-US PERSON (IF APPLICABLE). NOTWITHSTANDING THE REGISTRATION IN THE CERTIFICATE REGISTER OF ANY TRANSFER, SALE OR OTHER DISPOSITION OF THIS CLASS R CERTIFICATE TO A DISQUALIFIED ORGANIZATION OR AN AGENT OF A DISQUALIFIED ORGANIZATION, SUCH REGISTRATION SHALL BE DEEMED TO BE OF NO LEGAL FORCE OR EFFECT WHATSOEVER AND SUCH PERSON SHALL NOT BE DEEMED TO BE A CERTIFICATEHOLDER FOR ANY PURPOSE HEREUNDER, INCLUDING, BUT NOT LIMITED TO, THE RECEIPT OF DISTRIBUTIONS ON THIS CERTIFICATE. EACH HOLDER OF THE CLASS R CERTIFICATE BY ACCEPTANCE OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF THIS PARAGRAPH.

NO TRANSFER OF THIS CERTIFICATE OR ANY INTEREST THEREIN SHALL BE MADE TO ANY EMPLOYEE BENEFIT PLAN OR OTHER PLAN OR ARRANGEMENT SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR SECTION 4975 OF THE CODE, OR ANY PERSON (INCLUDING AN INSURANCE COMPANY INVESTING ITS GENERAL ACCOUNT, AN INVESTMENT MANAGER, A NAMED FIDUCIARY OR A TRUSTEE OF ANY SUCH PLAN) WHO IS USING “PLAN ASSETS” OF ANY SUCH PLAN TO EFFECT SUCH ACQUISITION (EACH OF THE FOREGOING, A “PLAN INVESTOR”) UNLESS THE CERTIFICATE REGISTRAR IS PROVIDED WITH EITHER (I) A CERTIFICATION PURSUANT TO SECTION 3.03(d)(i) OF THE AGREEMENT OR (II) AN OPINION OF COUNSEL ACCEPTABLE TO AND IN FORM AND SUBSTANCE SATISFACTORY TO THE CERTIFICATE REGISTRAR TO THE EFFECT THAT THE PURCHASE OR HOLDING OF THIS CERTIFICATE IS PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT IN ANY NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE (OR COMPARABLE PROVISIONS OF ANY SUBSEQUENT ENACTMENTS), AND WILL NOT SUBJECT THE CERTIFICATE REGISTRAR, THE TRUSTEE  OR THE DEPOSITOR  TO ANY OBLIGATION OR LIABILITY (INCLUDING OBLIGATIONS OR LIABILITIES UNDER ERISA OR SECTION 4975 OF THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT, WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE TRUST FUND, THE CERTIFICATE REGISTRAR, THE TRUSTEE OR THE DEPOSITOR.  EACH INVESTOR IN THIS CERTIFICATE WILL BE DEEMED TO REPRESENT THAT IT IS IN COMPLIANCE WITH THE FOREGOING AND WILL BE FURTHER DEEMED TO REPRESENT, WARRANT AND COVENANT THAT IT WILL NOT SELL, PLEDGE OR OTHERWISE TRANSFER SUCH ERISA-RESTRICTED CERTIFICATE IN VIOLATION OF THE FOREGOING.

ANY PURPORTED CERTIFICATE OWNER WHOSE ACQUISITION OR HOLDING OF THIS CERTIFICATE (OR INTEREST THEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS IN SECTION 3.03 OF THE AGREEMENT SHALL INDEMNIFY AND

  

A-69

  

HOLD HARMLESS THE CERTIFICATE REGISTRAR, THE DEPOSITOR, THE TRUSTEE AND THE TRUST FUND FROM AND AGAINST ANY AND ALL LIABILITIES, CLAIMS, COSTS OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR HOLDING.

SEQUOIA MORTGAGE TRUST 2011-2

MORTGAGE PASS-THROUGH CERTIFICATES, CLASS R

Evidencing a beneficial interest in a pool of residential mortgage loans and any other assets established by

SEQUOIA RESIDENTIAL FUNDING, INC.

	
Percentage Interest of this

Certificate: 100%

 

Certificate Interest Rate: Adjustable

 

 

Final Scheduled Distribution

Date: September 2041

 

 

NUMBER 1

	
 

 

Cut-off Date: September 1, 2011

 

 

 

 

 

CUSIP: 81744Q AH6

  

A-70

  

THIS CERTIFIES THAT NIMER & CO. is the registered owner of the Percentage Interest evidenced by this Certificate in a Trust Fund, the assets of which consist of the Mortgage Loans and all interest and principal received thereon after the Cut-off Date (other than Scheduled Payments due on or prior to the Cut-off Date), the rights of the Seller and the Depositor assigned to the Trustee under each Purchase Agreement, each Servicing Agreement, the Mortgage Loan Purchase and Sale Agreement, the Insurance Policies relating to the Mortgage Loans, all cash, instruments or property held or required to be held in the Custodial Accounts and the Distribution Account and property that secured a Mortgage Loan; and certain other assets, if any, as described in the Pooling and Servicing Agreement (the foregoing assets hereinafter collectively referred to as the “Trust Fund”).

Distributions on this Certificate will be made on the 25th day of each month or, if such day is not a Business Day, then on the succeeding Business Day, commencing in October 2011 (each, a “Distribution Date”), to the Person in whose name this Certificate is registered at the close of business on the last Business Day preceding such Distribution Date (the “Record Date”), in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount, if any, required to be distributed to all Certificates of the Class represented by this Certificate. All sums distributable on this Certificate are payable in the coin or currency of the United States of America which at the time of payment is legal tender for the payment of public and private debts.

Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which shall have the same effect as though fully set forth on the face of this Certificate.

Unless the certificate of authentication hereon has been executed by or on behalf of the Authenticating Agent, whose name appears below by manual signature, this Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose.

  

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IN WITNESS WHEREOF, U.S. Bank National Association, as Trustee, has caused this Certificate to be duly executed.

U.S. BANK NATIONAL ASSOCIATION,

as Trustee

By:                                                   

AUTHORIZED SIGNATORY

Dated:                                               

CERTIFICATE AUTHENTICATION

This is one of the Certificates referred to in the within-mentioned Pooling and Servicing Agreement.

WELLS FARGO BANK, N.A.,

as Authenticating Agent

By:                                                   

AUTHORIZED SIGNATORY

Dated:                                               

  

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SEQUOIA MORTGAGE TRUST 2011-2

MORTGAGE PASS-THROUGH CERTIFICATE

This Certificate is one of a duly authorized issue of certificates designated as Sequoia Mortgage Trust 2011-2 Mortgage Pass-Through Certificates (the “Certificates”), representing all or part of a beneficial ownership interest in a Trust Fund established pursuant to a Pooling and Servicing Agreement, dated as of September 1, 2011 (the “Pooling and Servicing Agreement”), among Sequoia Residential Funding, Inc., as depositor (the “Depositor”), Wells Fargo Bank, N.A., as master servicer (in such capacity, the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”) and U.S. Bank National Association, as trustee (the “Trustee”), to which terms, provisions and conditions thereof the Holder of this Certificate by virtue of the acceptance hereof assents, and by which such Holder is bound. Except as otherwise defined herein, all capitalized terms used herein shall have the meanings ascribed to them in the Pooling and Servicing Agreement. The Certificates consist of the following Classes: Class A-1, Class R, Class LT-R, Class A-IO, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5.

On each Distribution Date, the Paying Agent, on behalf of the Trustee, will make distributions from the Distribution Account to the Holders of Certificates according to the terms of the Pooling and Servicing Agreement.  All distributions or allocations made with respect to each Class of Certificates on each Distribution Date shall be allocated among the outstanding Certificates of such Class based on the Certificate Principal Amount (or Notional Amount) of each such Certificate.

Distributions on this Certificate will be made by check mailed to the Holder of record of this Certificate on the immediately preceding Record Date at the address of such Holder as its appears on the Certificate Register or, upon written request made to the Securities Administrator at least five Business Days prior to the related Record Date, by any Certificateholder owning an aggregate initial Certificate Principal Amount of at least $1,000,000 or, in the case of a Class of Interest-Only Certificates and any Residual Certificate, a Percentage Interest of 100%, by wire transfer in immediately available funds to an account specified in such request and at the expense of such Certificateholder requesting such wire transfer by deducting a wire transfer fee from the related distribution; provided, however, that the final distribution in respect of any Certificate shall be made only upon presentation and surrender of such Certificate at the Corporate Trust Office (as defined below); provided, further, that the foregoing provisions shall not apply to any Certificate as long as such Certificate remains a Book-Entry Certificate, in which case all payments made shall be made through the Clearing Agency and its Clearing Agency Participants.  Notwithstanding such final payment of principal of any of the Certificates, each Residual Certificate will remain outstanding until the termination of the related REMIC or REMICs and the payment in full of all other amounts due with respects to the Residual Certificates and at such time such final payment in retirement of any Residual Certificate will be made only upon presentation and surrender of such Certificate at the Corporate Trust Office.

The Corporate Trust Office with respect to the presentment and surrender of Certificates for the final distribution thereon is the corporate trust office of the Certificate Registrar at Sixth Street and Marquette Avenue, Minneapolis, Minnesota 55479, Attention: Corporate Trust Services -- Sequoia Mortgage Trust 2011-2 or at such other address as the Securities Administrator may designate from time to time.

  

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The Pooling and Servicing Agreement may be amended by the Trustee, the Master Servicer, the Securities Administrator, and the Depositor with the consent of the Holders of not less than 66-2/3% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of the Pooling and Servicing Agreement or of modifying in any manner the rights of the Holders; provided, however, that no such amendment shall be made unless the Trustee and the Securities Administrator receive an Opinion of Counsel, at the expense of the party requesting the change, that such change will not cause an Adverse REMIC Event; and provided further, that no such amendment may (i) reduce in any manner the amount of, or delay the timing of, payments received on Mortgage Loans which are required to be distributed on any Certificate, without the consent of the Holder of such Certificate or (ii) reduce the aforesaid percentages of Class Principal Amount or Class Notional Amount (or Percentage Interest) of Certificates of each Class, the Holders of which are required to consent to any such amendment without the consent of the Holders of 100% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby.  For purposes of this paragraph, references to “Holder” or “Holders” shall be deemed to include, in the case of any Class of Book-Entry Certificates, the related Certificate Owners.  Any consent by the Holder of this Certificate will be conclusive and binding upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not consent is made with respect to such Certificate.  The Pooling and Servicing Agreement also permits the amendment thereof in certain limited circumstances without the consent of the Holders.

As provided in the Pooling and Servicing Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registerable in the Certificate Register upon surrender of this Certificate for registration of transfer at the Corporate Trust Office, duly endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by the Holder thereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class of authorized denominations evidencing the same initial Certificate Principal Amount (or Notional Amount) will be issued to the designated transferee or transferees.  As provided in the Pooling and Servicing Agreement and subject to certain limitations therein set forth, this Certificate is exchangeable for new Certificates of the same Class evidencing the same aggregate initial Certificate Principal Amount (or Notional Amount) as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or governmental charge that may be imposed in connection with any exchange of Certificates.

The Class A-1, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5 Certificates are issuable only in registered form in minimum denominations of $100,000 in initial Certificate Principal Amount and in integral multiples of $1 in excess thereof and, in the case of the A-1, Class B-1, Class B-2 and Class B-3 Certificates, will be registered in the name of the nominee of the Clearing Agency, which shall maintain such Certificates through its book-entry facilities and, in the case of the Class B-4 and Class B-5 Certificates, will be maintained in physical form.  The Class A-IO Certificate is issuable only in registered form as a single Certificate representing the entire Percentage Interest in that Class and will be registered in the name of the nominee of the Clearing Agency, which shall maintain such Certificates through its book-entry facilities.  The Class R, and Class LT-R Certificates will each be issued as a single Certificate representing the entire Percentage Interest in that Class and will be maintained in physical form. The Certificates shall remain outstanding until the final Distribution Date for the Certificates.

  

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On any date on which the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 20% of the initial Aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date, subject to satisfaction of the conditions described in the Pooling and Servicing Agreement, the Holder of the Class LT-R Certificate may purchase all of the Mortgage Loans from the Trust Fund, thereby causing an early retirement of the Certificates.  If this right is not exercised by the Holder of the Class LT-R Certificate, the Master Servicer will have the option to purchase all of the Mortgage Loans from the Trust Fund on any date on which the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 5% of the initial Aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.

In no event will the trust created by the Pooling and Servicing Agreement continue beyond the expiration of 21 years from the death of the last survivor of the descendants living at the date of the Pooling and Servicing Agreement of a certain person named in the Pooling and Servicing Agreement.

The Depositor, the Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar and any agent of any of them may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar or any such agent shall be affected by any notice to the contrary.

As provided in the Pooling and Servicing Agreement, this Certificate and the Pooling and Servicing Agreement shall be construed in accordance with and governed by the laws of the State of New York without regard to the conflict of laws principles applied in the State of New York.  In the event of any conflict between the provisions of this Certificate and the Pooling and Servicing Agreement, the Pooling and Servicing Agreement shall be controlling.

  

A-75

  

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s) and assign(s) and transfer(s) unto

	  
	  

(Please print or type name and address, including postal zip code, of assignee and social security number or employer identification number)

	  

the within Certificate stating in the names of the undersigned in the Certificate Register and does hereby irrevocably constitute and appoint

	  

to transfer such Certificate in such Certificate Register.

 

I [we] further direct the Certificate Registrar to issue a new Certificate of the same Class of like principal to the above-named assignee and deliver such Certificate to the following address:

	 
	  
	 
	  
	 	 	 	 
	
Dated:

	  	 	  
	  	 	
Signature by or on behalf of Assignor

	  	 	  
	
Authorized Officer

	 	
Signature Guaranteed

	  	 	  
	  	 	  
	
Name of Institution

	 	
NOTICE: The signature(s) of this assignment must correspond with the name(s) on the face of this Certificate without alteration or any change whatsoever.  The signature must be guaranteed by a participant in the Securities Transfer Agents Medallion Program, the New York Stock Exchange Medallion Signature Program or the Stock Exchanges Medallion Program.  Notarized or witnessed signatures are not acceptable as guaranteed signatures.

  

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DISTRIBUTION INSTRUCTIONS

 

The assignee should include the following for the information of the Certificate Registrar.  Distributions shall be made by wire transfer in immediately available funds to

 

___________________________________________________________________________________________________________

 

for the account of ___________________________________  account number ___________________________ or, if mailed by check, 

 

to  ____________________________________

 

___________________________________________________________________________________________________________

 

Applicable reports and statements should be mailed to  _________________________________________________________________

 

___________________________________________________________________________________________________________

 

This information is provided by  ___________________________________________________________________________

 

the assignee named above, or ___________________________________________________ as its agent.

 

  

A-77

  

THIS CERTIFICATE IS A REMIC RESIDUAL INTEREST CERTIFICATE. THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, AND IS NOT GUARANTEED BY, THE DEPOSITOR, THE TRUSTEE, THE SECURITIES ADMINISTRATOR, THE MASTER SERVICER OR ANY AFFILIATE OF ANY OF THEM AND IS NOT INSURED OR GUARANTEED BY ANY GOVERNMENTAL AGENCY OR PRIVATE INSURER.

THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "1933 ACT"), OR ANY STATE SECURITIES LAWS. NEITHER THIS CERTIFICATE NOR ANY INTEREST OR PARTICIPATION HEREIN MAY BE REOFFERED, SOLD, ASSIGNED, TRANSFERRED, PLEDGED, ENCUMBERED OR OTHERWISE DISPOSED OF IN THE ABSENCE OF SUCH REGISTRATION, UNLESS SUCH TRANSACTION IS EXEMPT FROM, OR NOT SUBJECT TO, REGISTRATION.

THE HOLDER OF THIS CERTIFICATE BY ITS ACCEPTANCE HEREOF AGREES TO OFFER, SELL OR OTHERWISE TRANSFER SUCH CERTIFICATE ONLY (A) PURSUANT TO A REGISTRATION STATEMENT WHICH HAS BEEN DECLARED EFFECTIVE UNDER THE 1933 ACT, (B) TO PERSON IT REASONABLY BELIEVES IS A "QUALIFIED INSTITUTIONAL BUYER" AS DEFINED IN RULE 144A UNDER THE 1933 ACT THAT PURCHASES FOR ITS OWN ACCOUNT OR FOR THE ACCOUNT OF A QUALIFIED INSTITUTIONAL BUYER TO WHOM NOTICE IS GIVEN THAT THE TRANSFER IS BEING MADE IN RELIANCE ON RULE 144A, OR (C) TO AN INSTITUTIONAL "ACCREDITED INVESTOR" WITHIN THE MEANING OF SUBPARAGRAPH (A)(1), (2), (3) OR (7) OF RULE 501 UNDER THE 1933 ACT THAT IS ACQUIRING THE CERTIFICATE FOR ITS OWN ACCOUNT, OR FOR THE ACCOUNT OF SUCH AN INSTITUTIONAL "ACCREDITED INVESTOR," FOR INVESTMENT PURPOSES AND NOT WITH A VIEW TO, OR FOR OFFER OR SALE IN CONNECTION WITH, ANY DISTRIBUTION VIOLATION OF THE 1933 ACT, SUBJECT TO THE CERTIFICATE REGISTRAR'S RIGHT PRIOR TO ANY SUCH OFFER, SALE OR TRANSFER TO REQUIRE THE DELIVERY OF A CERTIFICATE OF TRANSFER IN THE FORM APPEARING IN THE POOLING AND SERVICING AGREEMENT.

ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY IF THE PROPOSED TRANSFEREE PROVIDES A TRANSFER AFFIDAVIT TO THE DEPOSITOR AND THE TRUSTEE THAT (1) SUCH TRANSFEREE IS NOT EITHER (A) THE UNITED STATES, ANY STATE OR POLITICAL SUBDIVISION THEREOF, ANY FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR ANY AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING, (B) ANY ORGANIZATION (OTHER THAN A COOPERATIVE DESCRIBED IN SECTION 521 OF THE CODE) WHICH IS EXEMPT FROM THE TAX IMPOSED BY CHAPTER 1 OF THE CODE UNLESS SUCH ORGANIZATION IS SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF THE CODE, (C) ANY ORGANIZATION DESCRIBED IN SECTION 1381(a)(2)(C) OF THE CODE, (D) AN ELECTING LARGE-PARTNERSHIP WITHIN THE MEANING OF SECTION 775 OF THE CODE (ANY SUCH PERSON DESCRIBED IN THE FOREGOING CLAUSES (A), (B), (C) OR (D) BEING HEREINAFTER REFERRED TO AS A “DISQUALIFIED ORGANIZATION”), OR (E) AN AGENT OF A DISQUALIFIED

  

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ORGANIZATION AND (2) NO PURPOSE OF SUCH TRANSFER IS TO ENABLE THE TRANSFEROR TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX. SUCH AFFIDAVIT SHALL INCLUDE CERTAIN REPRESENTATIONS AS TO THE FINANCIAL CONDITION OF THE PROPOSED TRANSFEREE AND ITS STATUS AS A NON-US PERSON (IF APPLICABLE). NOTWITHSTANDING THE REGISTRATION IN THE CERTIFICATE REGISTER OF ANY TRANSFER, SALE OR OTHER DISPOSITION OF THIS CLASS LT-R CERTIFICATE TO A DISQUALIFIED ORGANIZATION OR AN AGENT OF A DISQUALIFIED ORGANIZATION, SUCH REGISTRATION SHALL BE DEEMED TO BE OF NO LEGAL FORCE OR EFFECT WHATSOEVER AND SUCH PERSON SHALL NOT BE DEEMED TO BE A CERTIFICATEHOLDER FOR ANY PURPOSE HEREUNDER, INCLUDING, BUT NOT LIMITED TO, THE RECEIPT OF DISTRIBUTIONS ON THIS CERTIFICATE. EACH HOLDER OF THE CLASS LT-R CERTIFICATE BY ACCEPTANCE OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF THIS PARAGRAPH.

NO TRANSFER OF THIS CERTIFICATE OR ANY INTEREST THEREIN SHALL BE MADE TO ANY EMPLOYEE BENEFIT PLAN OR OTHER PLAN OR ARRANGEMENT SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR SECTION 4975 OF THE CODE, OR ANY PERSON (INCLUDING AN INSURANCE COMPANY INVESTING ITS GENERAL ACCOUNT, AN INVESTMENT MANAGER, A NAMED FIDUCIARY OR A TRUSTEE OF ANY SUCH PLAN) WHO IS USING “PLAN ASSETS” OF ANY SUCH PLAN TO EFFECT SUCH ACQUISITION (EACH OF THE FOREGOING, A “PLAN INVESTOR”) UNLESS THE CERTIFICATE REGISTRAR IS PROVIDED WITH EITHER (I) A CERTIFICATION PURSUANT TO SECTION 3.03(d)(i) OF THE AGREEMENT OR (II) AN OPINION OF COUNSEL ACCEPTABLE TO AND IN FORM AND SUBSTANCE SATISFACTORY TO THE CERTIFICATE REGISTRAR TO THE EFFECT THAT THE PURCHASE OR HOLDING OF THIS CERTIFICATE IS PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT IN ANY NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE (OR COMPARABLE PROVISIONS OF ANY SUBSEQUENT ENACTMENTS), AND WILL NOT SUBJECT THE CERTIFICATE REGISTRAR, THE TRUSTEE  OR THE DEPOSITOR  TO ANY OBLIGATION OR LIABILITY (INCLUDING OBLIGATIONS OR LIABILITIES UNDER ERISA OR SECTION 4975 OF THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT, WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE TRUST FUND, THE CERTIFICATE REGISTRAR, THE TRUSTEE OR THE DEPOSITOR.  EACH INVESTOR IN THIS CERTIFICATE WILL BE DEEMED TO REPRESENT THAT IT IS IN COMPLIANCE WITH THE FOREGOING AND WILL BE FURTHER DEEMED TO REPRESENT, WARRANT AND COVENANT THAT IT WILL NOT SELL, PLEDGE OR OTHERWISE TRANSFER SUCH ERISA-RESTRICTED CERTIFICATE IN VIOLATION OF THE FOREGOING.

ANY PURPORTED CERTIFICATE OWNER WHOSE ACQUISITION OR HOLDING OF THIS CERTIFICATE (OR INTEREST THEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS IN SECTION 3.03 OF THE AGREEMENT SHALL INDEMNIFY AND

  

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HOLD HARMLESS THE CERTIFICATE REGISTRAR, THE DEPOSITOR, THE TRUSTEE AND THE TRUST FUND FROM AND AGAINST ANY AND ALL LIABILITIES, CLAIMS, COSTS OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR HOLDING.

SEQUOIA MORTGAGE TRUST 2011-2

MORTGAGE PASS-THROUGH CERTIFICATES, CLASS LT-R

Evidencing a beneficial interest in a pool of residential mortgage loans and any other assets established by

SEQUOIA RESIDENTIAL FUNDING, INC.

	
Percentage Interest of this

Certificate: 100%

 

Certificate Interest Rate: Adjustable

 

 

Final Scheduled Distribution

Date: September 2041

 

 

NUMBER 1

	
 

 

 

Cut-off Date: September 1, 2011

 

 

 

 

 

 

CUSIP: 81744Q AJ2

  

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THIS CERTIFIES THAT NIMER & CO. is the registered owner of the Percentage Interest evidenced by this Certificate in a Trust Fund, the assets of which consist of the Mortgage Loans and all interest and principal received thereon after the Cut-off Date (other than Scheduled Payments due on or prior to the Cut-off Date), the rights of the Seller and the Depositor assigned to the Trustee under each Purchase Agreement, each Servicing Agreement, the Mortgage Loan Purchase and Sale Agreement, the Insurance Policies relating to the Mortgage Loans, all cash, instruments or property held or required to be held in the Custodial Accounts and the Distribution Account and property that secured a Mortgage Loan; and certain other assets, if any, as described in the Pooling and Servicing Agreement (the foregoing assets hereinafter collectively referred to as the “Trust Fund”).

Distributions on this Certificate will be made on the 25th day of each month or, if such day is not a Business Day, then on the succeeding Business Day, commencing in October 2011 (each, a “Distribution Date”), to the Person in whose name this Certificate is registered at the close of business on the last Business Day preceding such Distribution Date (the “Record Date”), in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount, if any, required to be distributed to all Certificates of the Class represented by this Certificate. All sums distributable on this Certificate are payable in the coin or currency of the United States of America which at the time of payment is legal tender for the payment of public and private debts.

Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which shall have the same effect as though fully set forth on the face of this Certificate.

Unless the certificate of authentication hereon has been executed by or on behalf of the Authenticating Agent, whose name appears below by manual signature, this Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose.

  

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IN WITNESS WHEREOF, U.S. Bank National Association, as Trustee, has caused this Certificate to be duly executed.

U.S. BANK NATIONAL ASSOCIATION,

as Trustee

By:                                                   

AUTHORIZED SIGNATORY

Dated:                                               

CERTIFICATE AUTHENTICATION

This is one of the Certificates referred to in the within-mentioned Pooling and Servicing Agreement.

WELLS FARGO BANK, N.A.,

as Authenticating Agent

By:                                                   

AUTHORIZED SIGNATORY

Dated:                                               

  

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SEQUOIA MORTGAGE TRUST 2011-2

MORTGAGE PASS-THROUGH CERTIFICATE

This Certificate is one of a duly authorized issue of certificates designated as Sequoia Mortgage Trust 2011-2 Mortgage Pass-Through Certificates (the “Certificates”), representing all or part of a beneficial ownership interest in a Trust Fund established pursuant to a Pooling and Servicing Agreement, dated as of September 1, 2011 (the “Pooling and Servicing Agreement”), among Sequoia Residential Funding, Inc., as depositor (the “Depositor”), Wells Fargo Bank, N.A., as master servicer (in such capacity, the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”) and U.S. Bank National Association, as trustee (the “Trustee”), to which terms, provisions and conditions thereof the Holder of this Certificate by virtue of the acceptance hereof assents, and by which such Holder is bound. Except as otherwise defined herein, all capitalized terms used herein shall have the meanings ascribed to them in the Pooling and Servicing Agreement. The Certificates consist of the following Classes: Class A-1, Class R, Class LT-R, Class A-IO, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5.

On each Distribution Date, the Paying Agent, on behalf of the Trustee, will make distributions from the Distribution Account to the Holders of Certificates according to the terms of the Pooling and Servicing Agreement.  All distributions or allocations made with respect to each Class of Certificates on each Distribution Date shall be allocated among the outstanding Certificates of such Class based on the Certificate Principal Amount (or Notional Amount) of each such Certificate.

Distributions on this Certificate will be made by check mailed to the Holder of record of this Certificate on the immediately preceding Record Date at the address of such Holder as its appears on the Certificate Register or, upon written request made to the Securities Administrator at least five Business Days prior to the related Record Date, by any Certificateholder owning an aggregate initial Certificate Principal Amount of at least $1,000,000 or, in the case of a Class of Interest-Only Certificates and any Residual Certificate, a Percentage Interest of 100%, by wire transfer in immediately available funds to an account specified in such request and at the expense of such Certificateholder requesting such wire transfer by deducting a wire transfer fee from the related distribution; provided, however, that the final distribution in respect of any Certificate shall be made only upon presentation and surrender of such Certificate at the Corporate Trust Office (as defined below); provided, further, that the foregoing provisions shall not apply to any Certificate as long as such Certificate remains a Book-Entry Certificate, in which case all payments made shall be made through the Clearing Agency and its Clearing Agency Participants.  Notwithstanding such final payment of principal of any of the Certificates, each Residual Certificate will remain outstanding until the termination of the related REMIC or REMICs and the payment in full of all other amounts due with respects to the Residual Certificates and at such time such final payment in retirement of any Residual Certificate will be made only upon presentation and surrender of such Certificate at the Corporate Trust Office.

The Corporate Trust Office with respect to the presentment and surrender of Certificates for the final distribution thereon is the corporate trust office of the Certificate Registrar at Sixth Street and Marquette Avenue, Minneapolis, Minnesota 55479, Attention: Corporate Trust Services -- Sequoia Mortgage Trust 2011-2 or at such other address as the Securities Administrator may designate from time to time.

  

A-83

  

The Pooling and Servicing Agreement may be amended by the Trustee, the Master Servicer, the Securities Administrator, and the Depositor with the consent of the Holders of not less than 66-2/3% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of the Pooling and Servicing Agreement or of modifying in any manner the rights of the Holders; provided, however, that no such amendment shall be made unless the Trustee and the Securities Administrator receive an Opinion of Counsel, at the expense of the party requesting the change, that such change will not cause an Adverse REMIC Event; and provided further, that no such amendment may (i) reduce in any manner the amount of, or delay the timing of, payments received on Mortgage Loans which are required to be distributed on any Certificate, without the consent of the Holder of such Certificate or (ii) reduce the aforesaid percentages of Class Principal Amount or Class Notional Amount (or Percentage Interest) of Certificates of each Class, the Holders of which are required to consent to any such amendment without the consent of the Holders of 100% of the Class Principal Amount or Class Notional Amount (or Percentage Interest) of each Class of Certificates affected thereby.  For purposes of this paragraph, references to “Holder” or “Holders” shall be deemed to include, in the case of any Class of Book-Entry Certificates, the related Certificate Owners.  Any consent by the Holder of this Certificate will be conclusive and binding upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not consent is made with respect to such Certificate.  The Pooling and Servicing Agreement also permits the amendment thereof in certain limited circumstances without the consent of the Holders.

As provided in the Pooling and Servicing Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registerable in the Certificate Register upon surrender of this Certificate for registration of transfer at the Corporate Trust Office, duly endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by the Holder thereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class of authorized denominations evidencing the same initial Certificate Principal Amount (or Notional Amount) will be issued to the designated transferee or transferees.  As provided in the Pooling and Servicing Agreement and subject to certain limitations therein set forth, this Certificate is exchangeable for new Certificates of the same Class evidencing the same aggregate initial Certificate Principal Amount (or Notional Amount) as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or governmental charge that may be imposed in connection with any exchange of Certificates.

The Class A-1, Class B-1, Class B-2, Class B-3, Class B-4, and Class B-5 Certificates are issuable only in registered form in minimum denominations of $100,000 in initial Certificate Principal Amount and in integral multiples of $1 in excess thereof and, in the case of the A-1, Class B-1, Class B-2 and Class B-3 Certificates, will be registered in the name of the nominee of the Clearing Agency, which shall maintain such Certificates through its book-entry facilities and, in the case of the Class B-4 and Class B-5 Certificates, will be maintained in physical form.  The Class A-IO Certificate is issuable only in registered form as a single Certificate representing the entire Percentage Interest in that Class and will be registered in the name of the nominee of the Clearing Agency, which shall maintain such Certificates through its book-entry facilities.  The Class R, and Class LT-R Certificates will each be issued as a single Certificate representing the entire Percentage Interest in that Class and will be maintained in physical form. The Certificates shall remain outstanding until the final Distribution Date for the Certificates.

  

A-84

  

On any date on which the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 20% of the initial Aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date, subject to satisfaction of the conditions described in the Pooling and Servicing Agreement, the Holder of the Class LT-R Certificate may purchase all of the Mortgage Loans from the Trust Fund, thereby causing an early retirement of the Certificates.  If this right is not exercised by the Holder of the Class LT-R Certificate, the Master Servicer will have the option to purchase all of the Mortgage Loans from the Trust Fund on any date on which the Aggregate Stated Principal Balance of the Mortgage Loans has declined to less than 5% of the initial Aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.

In no event will the trust created by the Pooling and Servicing Agreement continue beyond the expiration of 21 years from the death of the last survivor of the descendants living at the date of the Pooling and Servicing Agreement of a certain person named in the Pooling and Servicing Agreement.

The Depositor, the Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar and any agent of any of them may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Trustee, the Securities Administrator, the Master Servicer, the Certificate Registrar or any such agent shall be affected by any notice to the contrary.

As provided in the Pooling and Servicing Agreement, this Certificate and the Pooling and Servicing Agreement shall be construed in accordance with and governed by the laws of the State of New York without regard to the conflict of laws principles applied in the State of New York.  In the event of any conflict between the provisions of this Certificate and the Pooling and Servicing Agreement, the Pooling and Servicing Agreement shall be controlling.

  

A-85

  

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s) and assign(s) and transfer(s) unto

	  
	  

(Please print or type name and address, including postal zip code, of assignee and social security number or employer identification number)

	  

the within Certificate stating in the names of the undersigned in the Certificate Register and does hereby irrevocably constitute and appoint

	  

to transfer such Certificate in such Certificate Register.

 

I [we] further direct the Certificate Registrar to issue a new Certificate of the same Class of like principal to the above-named assignee and deliver such Certificate to the following address:

	 
	 
	  
	  
	 	 	 	 
	
Dated:

	  	 	  
	  	 	
Signature by or on behalf of Assignor

	  	 	  
	
Authorized Officer

	 	
Signature Guaranteed

	  	 	  
	  	 	  
	
Name of Institution

	 	
NOTICE: The signature(s) of this assignment must correspond with the name(s) on the face of this Certificate without alteration or any change whatsoever.  The signature must be guaranteed by a participant in the Securities Transfer Agents Medallion Program, the New York Stock Exchange Medallion Signature Program or the Stock Exchanges Medallion Program.  Notarized or witnessed signatures are not acceptable as guaranteed signatures.

  

A-86

  

DISTRIBUTION INSTRUCTIONS

 

The assignee should include the following for the information of the Certificate Registrar.  Distributions shall be made by wire transfer in immediately available funds to

 

___________________________________________________________________________________________________________

 

for the account of ___________________________________  account number ___________________________ or, if mailed by check, 

 

to  ____________________________________

 

___________________________________________________________________________________________________________

 

Applicable reports and statements should be mailed to  _________________________________________________________________

 

___________________________________________________________________________________________________________

 

This information is provided by  ___________________________________________________________________________

 

the assignee named above, or ___________________________________________________ as its agent.

 

  

A-87

  

 

EXHIBIT B

FORM OF RESIDUAL CERTIFICATE TRANSFER AFFIDAVIT (TRANSFEREE)

 

	
STATE OF

	
)

	  	
)           ss.:

	
COUNTY OF

	
)

 

[NAME OF OFFICER], _________________ being first duly sworn, deposes and says:

 

	
  

	
1.

	
That he [she] is [title of officer] ________________________ of [name of Purchaser] _________________________________________ (the “Purchaser”), a _______________________ [description of type of entity] duly organized and existing under the laws of the [State of __________] [United States], on behalf of which he [she] makes this affidavit.

 

	
  

	
2.

	
That the Purchaser’s Taxpayer Identification Number is [           ].

 

	
  

	
3.

	
That the Purchaser is not a “disqualified organization” within the meaning of Section 860E(e)(5) of the Internal Revenue Code of 1986, as amended (the “Code”) and will not be a “disqualified organization” as of [date of transfer], and that the Purchaser is not acquiring a Residual Certificate (as defined in the Agreement) for the account of, or as agent (including a broker, nominee, or other middleman) for, any person or entity from which it has not received an affidavit substantially in the form of this affidavit. For these purposes, a “disqualified organization” means the United States, any state or political subdivision thereof, any foreign government, any international organization, any agency or instrumentality of any of the foregoing (other than an instrumentality if all of its activities are subject to tax and a majority of its board of directors is not selected by such governmental entity), any cooperative organization furnishing electric energy or providing telephone service to persons in rural areas as described in Code Section 1381(a)(2)(C), any “electing large partnership” within the meaning of Section 775 of the Code, or any organization (other than a farmers’ cooperative described in Code Section 521) that is exempt from federal income tax unless such organization is subject to the tax on unrelated business income imposed by Code Section 511.

 

	
  

	
4.

	
That the Purchaser either (x) is not, and on __________________ [date of transfer] will not be, an employee benefit plan or other retirement arrangement subject to Section 406 of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), or Section 4975 of the Code (“Code”), (collectively, a “Plan”) or a person acting on behalf of any such Plan or investing the assets of any such Plan to acquire a Residual Certificate; or (y) herewith delivers to the Certificate Registrar an opinion of counsel (a “Benefit Plan Opinion”) satisfactory to the Certificate Registrar, the Depositor and the Trustee, and upon which the Certificate Registrar, the Trustee and the Depositor shall be entitled to rely, to the effect that the purchase or holding of such Residual Certificate by the Investor will not result in any non-exempt prohibited transactions under Title I of ERISA or Section 4975 of the Code and will not subject the Certificate Registrar, the Trustee or the Depositor to any obligation in addition to those undertaken by such entities in the Agreement, which opinion of counsel shall not be an expense of the Trust Fund or any of the above parties.

 

  

B-1

  

 

	
  

	
5.

	
That the Purchaser hereby acknowledges that under the terms of the Pooling and Servicing Agreement, dated as of  September 1, 2011 (the “Agreement”), by and among Sequoia Residential Funding, Inc., as Depositor, Wells Fargo Bank, N.A., as Master Servicer and Securities Administrator and U.S. Bank National Association, as Trustee with respect to Sequoia Mortgage Trust 2011-2 Mortgage Pass-Through Certificates, no transfer of the Residual Certificates shall be permitted to be made to any person unless the Certificate Registrar has received a certificate from such transferee containing the representations in paragraphs 3 and 4 hereof.

 

	 	
6.

	
That the Purchaser does not hold REMIC residual securities as nominee to facilitate the clearance and settlement of such securities through electronic book-entry changes in accounts of participating organizations (such entity, a “Book-Entry Nominee”).

	 	
7.

	
That the Purchaser does not have the intention to impede the assessment or collection of any federal, state or local taxes legally required to be paid with respect to such Residual Certificate.

	 	
8.

	
That the Purchaser will not transfer a Residual Certificate to any person or entity (i) as to which the Purchaser has actual knowledge that the requirements set forth in paragraph 3, paragraph 6 or paragraph 10 hereof are not satisfied or that the Purchaser has reason to believe does not satisfy the requirements set forth in paragraph 7 hereof, and (ii) without obtaining from the prospective Purchaser an affidavit substantially in this form and providing to the Certificate Registrar a written statement substantially in the form of Exhibit C to the Agreement.

	 	
9.

	
That the Purchaser understands that, as the holder of a Residual Certificate, the Purchaser may incur tax liabilities in excess of any cash flows generated by the interest and that the Purchaser has and expects to have sufficient net worth and/or liquidity to pay in full any tax liabilities attributable to ownership of a Residual Certificate and intends to pay taxes associated with holding such Residual Certificate as they become due.

	 	
10.

	
That the Purchaser (i) is not a Non-U.S. Person or (ii) is a Non-U.S. Person that holds a Residual Certificate in connection with the conduct of a trade or business within the United States and has furnished the transferor and the Certificate Registrar with an effective Internal Revenue Service Form W-8ECI (Certificate of Foreign Person’s Claim for Exemption From Withholding on Income Effectively Connected With the Conduct of a Trade or Business in the United States) or successor form at the time and in the manner required by the Code or (iii) is a Non-U.S. Person that has delivered to the transferor, the Depositor and the Certificate Registrar an opinion of a nationally recognized tax counsel to the effect that the transfer of such Residual Certificate to it is in accordance with the requirements of the Code and the regulations promulgated thereunder and that such transfer of a Residual Certificate will not be disregarded for federal income tax purposes.  “Non-U.S. Person” means an individual, corporation, partnership or other person other than (i) a citizen or resident of the United States; (ii) a corporation, partnership or other entity created or organized in or under the laws of the United States or any state thereof, including for this purpose, the District of Columbia; (iii) an estate that is subject to U.S. federal income tax regardless of the source of its income; (iv) a trust if a court within the United States is able to exercise primary supervision over the administration of the trust and one or more United States trustees have authority to control all substantial decisions of the trust; and, (v) to the extent provided in Treasury regulations, certain trusts in existence on August 20, 1996 that are treated as United States persons prior to such date and elect to continue to be treated as United States persons.

	 	
11.

	
The Purchaser will not cause income from the Residual Certificate to be attributable to a foreign permanent establishment or fixed base of the Purchaser or another U.S. taxpayer.

  

B-2

  

	 	
12.

	
That the Purchaser agrees to such amendments of the Agreement as may be required to further effectuate the restrictions on transfer of any Residual Certificate to such a “disqualified organization,” an agent thereof, a Book-Entry Nominee, or a person that does not satisfy the requirements of paragraph 7 and paragraph 10 hereof.

 

	 	
13.

	
That the Purchaser consents to the designation of the Securities Administrator to act as agent for the “tax matters person” of each REMIC created by the Trust Fund pursuant to the Agreement.

  

B-3

  

IN WITNESS WHEREOF, the Purchaser has caused this instrument to be executed on its behalf, pursuant to authority of its Board of Directors, by its [title of officer] this _____ day of __________ 20__.

 

	  	  
	
[name of Purchaser]

	  

	
By:

	  	  
	
Name:

	 
	
Title:

	 

 

Personally appeared before me the above-named [name of officer] ________________, known or proved to me to be the same person who executed the foregoing instrument and to be the [title of officer] _________________ of the Purchaser, and acknowledged to me that he [she] executed the same as his [her] free act and deed and the free act and deed of the Purchaser.

 

Subscribed and sworn before me this _____ day of __________ 20__.

 

NOTARY PUBLIC

 

______________________________

 

COUNTY OF_____________________

 

STATE OF______________________

 

My commission expires the _____ day of __________ 20__.

  

B-4

  

EXHIBIT C

RESIDUAL CERTIFICATE TRANSFER AFFIDAVIT (TRANSFEROR)

 

____________________________

Date

 

Re:          Sequoia Mortgage Trust 2011-2

Mortgage Pass-Through Certificates

 

_______________________ (the “Transferor”) has reviewed the attached affidavit of _____________________________ (the “Transferee”), and has no actual knowledge that such affidavit is not true and has no reason to believe that the information contained in paragraph 7 thereof is not true, and has no reason to believe that the Transferee has the intention to impede the assessment or collection of any federal, state or local taxes legally required to be paid with respect to a Residual Certificate. In addition, the Transferor has conducted a reasonable investigation at the time of the transfer and found that the Transferee had historically paid its debts as they came due and found no significant evidence to indicate that the Transferee will not continue to pay its debts as they become due.

 

	
Very truly yours,

	 
	
 

	 
	    	  
	
Name:

	 
	
Title:

	 

  

C-1

  

EXHIBIT D

FORM OF CUSTODIAL AGREEMENT

 

(Refer to Exhibit 10.20)

  

D-1

  

 

EXHIBIT E-1

FORM OF RULE 144A TRANSFER CERTIFICATE

 

	
Re:

	
Sequoia Mortgage Trust 2011-2

Mortgage Pass-Through Certificates

Reference is hereby made to the Pooling and Servicing Agreement, dated as of  September 1, 2011 (the “Pooling and Servicing Agreement”), by and among Sequoia Residential Funding, Inc., as Depositor, Wells Fargo Bank, N.A., as Master Servicer and Securities Administrator and U.S. Bank National Association, as Trustee.  Capitalized terms used but not defined herein shall have the meanings given to them in the Pooling and Servicing Agreement.

 

This letter relates to $__________ initial Certificate Principal Amount or Class Notional Amount, as applicable, of Class _____ Certificates which are held in the form of Definitive Certificates registered in the name of  ______________ (the “Transferor”). The Transferor has requested a transfer of such Definitive Certificates for Definitive Certificates of such Class registered in the name of [insert name of transferee].

 

In connection with such request, and in respect of such Certificates, the Transferor hereby certifies that such Certificates are being transferred in accordance with (i) the transfer restrictions set forth in the Pooling and Servicing Agreement and the Certificates and (ii) Rule 144A under the Securities Act to a purchaser that the Transferor reasonably believes is a “qualified institutional buyer” within the meaning of Rule 144A purchasing for its own account or for the account of a “qualified institutional buyer,” which purchaser is aware that the sale to it is being made in reliance upon Rule 144A, in a transaction meeting the requirements of Rule 144A and in accordance with any applicable securities laws of any state of the United States or any other applicable jurisdiction.

 

This certificate and the statements contained herein are made for your benefit and the benefit of the Underwriters, the Depositor and the Certificate Registrar.

 

	
       

	
[Name of Transferor]

	  
	
By:

	
       

	
Name:  

	  
	
Title:

	  
	  
	
Dated: ___________, ____

  

E-1-1

  

EXHIBIT E-2

FORM OF PURCHASER’S LETTER FOR

QUALIFIED INSTITUTIONAL BUYER

 

Date

 

Ladies and Gentlemen:

 

In connection with our proposed purchase of $______________Class Principal Amount or Class Notional Amount, as applicable, of Sequoia Mortgage Trust 2011-2 Mortgage Pass-Through Certificates, Class [___] (the “Restricted Certificates”), we confirm that:

 

	
(1)

	
We understand that the Restricted Certificates have not been, and will not be, registered under the Securities Act of 1933, as amended (the “Securities Act”), and may not be sold except as permitted in the following sentence. We agree, on our own behalf and on behalf of any accounts for which we are acting as hereinafter stated, that if we should sell any Restricted Certificates we will do so only (A) to the Depositor, (B) to “qualified institutional buyers” (within the meaning of Rule 144A under the Securities Act) in accordance with Rule 144A under the Securities Act (“QIBs”), (C) pursuant to the exemption from registration provided by Rule 144 under the Securities Act, or (D) to an institutional “accredited investor” within the meaning of Rule 501(a)(1), (2), (3) or (7) of Regulation D under the Securities Act that is not a QIB (an “Institutional Accredited Investor”) which, in the case of (B) or (D) above, prior to such transfer, delivers to the Certificate Registrar under the Pooling and Servicing Agreement, dated as of September 1, 2011 (the “Agreement”), by and among Sequoia Residential Funding, Inc., as Depositor, Wells Fargo Bank, N.A., as Master Servicer and Securities Administrator and U.S. Bank National Association, as Trustee, a signed letter in the form of this letter; and we further agree, in the capacities stated above, to provide to any person purchasing any of the Restricted Certificates from us a notice advising such purchaser that resales of the Restricted Certificates are restricted as stated herein.

	
  

	
 

	
(2)

	
We understand that, in connection with any proposed resale of any Restricted Certificates to QIB, we will be required to furnish to the Certificate Registrar a certification from such transferee in the form hereof to confirm that the proposed sale is being made pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the Securities Act. We further understand that the Restricted Certificates purchased by us will bear a legend to the foregoing effect.

	
  

	
 

	
(3)

	
We are acquiring the Restricted Certificates for investment purposes and not with a view to, or for offer or sale in connection with, any distribution in violation of the Securities Act. We have such knowledge and experience in financial and business matters as to be capable of evaluating the merits and risks of our investment in the Restricted Certificates, and we and any account for which we are acting are each able to bear the economic risk of such investment.

	
  

	
 

	
(4)

	
We are a QIB and we are acquiring the Restricted Certificates purchased by us for our own account or for one or more accounts (each of which is a QIB) as to each of which we exercise sole investment discretion.

	
  

	
 

	
(5)

	
We have received such information as we deem necessary in order to make our investment decision.

	
  

	
 

	
(6)

	
If we are acquiring ERISA-Restricted Certificates, we understand that in accordance with ERISA, the Code and the Underwriter's Exemption, no Plan and no person acting on behalf of such a Plan may acquire such Certificate except in accordance with Section 3.03(d) of the Agreement.

  

E-2-1

  

Terms used in this letter which are not otherwise defined herein have the respective meanings assigned thereto in the Agreement.

 

You are entitled to rely upon this letter and are irrevocably authorized to produce this letter or a copy hereof to any interested party in any administrative or legal proceeding or official inquiry with respect to the matters covered hereby.

 

	
Very truly yours,

	  
	
       

	
[Purchaser]

	  
	
By:

	
       

	
Name:  

	  
	
Title:

	  

  

E-2-2

  

EXHIBIT F

FORM OF PURCHASER’S LETTER FOR

INSTITUTIONAL ACCREDITED INVESTOR

 

Date

 

Ladies and Gentlemen:

 

In connection with our proposed purchase of $______________ Class Principal Amount or Class Notional Amount, as applicable, of Sequoia Mortgage Trust 2011-2 Mortgage Pass-Through Certificates, Class [___], (the “Restricted Certificates”), we confirm that:

 

	
(1)

	
We understand that the Restricted Certificates have not been, and will not be, registered under the Securities Act of 1933, as amended (the “Securities Act”), and may not be sold except as permitted in the following sentence. We agree, on our own behalf and on behalf of any accounts for which we are acting as hereinafter stated, that if we should sell any Restricted Certificates we will do so only (A) to the Depositor, (B) to “qualified institutional buyers” (within the meaning of Rule 144A under the Securities Act) in accordance with Rule 144A under the Securities Act (“QIBs”), (C) pursuant to the exemption from registration provided by Rule 144 under the Securities Act, or (D) to an institutional “accredited investor” within the meaning of Rule 501(a)(1), (2), (3) or (7) of Regulation D under the Securities Act that is not a QIB (an “Institutional Accredited Investor”) which, prior to such transfer, delivers to the Certificate Registrar under the Pooling and Servicing Agreement, dated as of  September 1, 2011 (the “Agreement”), by and among Sequoia Residential Funding, Inc., as Depositor, Wells Fargo Bank, N.A., as Master Servicer and Securities Administrator, and U.S. Bank National Association as Trustee, a signed letter in the form of this letter; and we further agree, in the capacities stated above, to provide to any person purchasing any of the Restricted Certificates from us a notice advising such purchaser that resales of the Restricted Certificates are restricted as stated herein.

	
(2)

	
We understand that, in connection with any proposed resale of any Restricted Certificates to an Institutional Accredited Investor, we will be required to furnish to the Certificate Registrar a certification from such transferee in the form hereof to confirm that the proposed sale is being made pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the Securities Act. We further understand that the Restricted Certificates purchased by us will bear a legend to the foregoing effect.

	
(3)

	
We are acquiring the Restricted Certificates for investment purposes and not with a view to, or for offer or sale in connection with, any distribution in violation of the Securities Act. We have such knowledge and experience in financial and business matters as to be capable of evaluating the merits and risks of our investment in the Restricted Certificates, and we and any account for which we are acting are each able to bear the economic risk of such investment.

	
(4)

	
We are an Institutional Accredited Investor and we are acquiring the Restricted Certificates purchased by us for our own account or for one or more accounts (each of which is an Institutional Accredited Investor) as to each of which we exercise sole investment discretion.

	
(5)

	
We have received such information as we deem necessary in order to make our investment decision.

	
(6)

	
If we are acquiring ERISA-Restricted Certificates, we understand that in accordance with ERISA, the Code and the Underwriter's Exemption, no Plan and no person acting on behalf of such a Plan may acquire such Certificate except in accordance with Section 3.03(d) of the Agreement.

  

F-1

  

Terms used in this letter which are not otherwise defined herein have the respective meanings assigned thereto in the Agreement.

 

You are entitled to rely upon this letter and are irrevocably authorized to produce this letter or a copy hereof to any interested party in any administrative or legal proceeding or official inquiry with respect to the matters covered hereby.

 

	
Very truly yours,

	  
	
       

	
[Purchaser]

	  
	
By:

	
       

	
Name:  

	  
	
Title:

	  

  

F-2

  

EXHIBIT G

FORM OF ERISA TRANSFER AFFIDAVIT

  

	
STATE OF

NEW YORK

	
)

	  	
)           ss.:

	
COUNTY OF

NEW YORK 

	
)

The undersigned, being first duly sworn, deposes and says as follows:

 

1.      The undersigned is the ______________________ of ______________ (the “Investor”), a [corporation duly organized] and existing under the laws of __________, on behalf of which he makes this affidavit.

 

2.      The Investor either (x) is not, and on ___________ [date of transfer] will not be, an employee benefit plan or other retirement arrangement subject to Section 406 of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), or Section 4975 of the Internal Revenue Code of 1986, as amended (the “Code”), (collectively, a “Plan”) or a person acting on behalf of any such Plan or investing the assets of any such Plan; (y) if the Certificate has been the subject of an ERISA-Qualifying Underwriting, is an insurance company that is purchasing the Certificate with funds contained in an “insurance company general account” as defined in Section V(e) of Prohibited Transaction Class Exemption (“PTCE”) 95-60 and the purchase and holding of the Certificate are covered under Sections I and III of PTCE 95-60; or (z) herewith delivers to the Certificate Registrar an opinion of counsel (a “Benefit Plan Opinion”) satisfactory to the Certificate Registrar, the Depositor and the Trustee, and upon which the Certificate Registrar, the Trustee, the Master Servicer, the Depositor and the Securities Administrator shall be entitled to rely, to the effect that the purchase or holding of such Certificate by the Investor will not constitute or result in any non-exempt prohibited transactions under Title I of ERISA or Section 4975 of the Code and will not subject the Certificate Registrar or the Trustee to any obligation in addition to those undertaken by such entities in the Pooling and Servicing Agreement, dated as of September 1, 2011 (the “Agreement”), by and among Sequoia Residential Funding, Inc., as Depositor, Wells Fargo Bank, N.A., as Master Servicer and Securities Administrator and U.S. Bank National Association, as Trustee, by which opinion of counsel shall not be an expense of the Trust Fund or the above parties.

 

Capitalized terms used but not defined herein have the meanings given in the Agreement.

IN WITNESS WHEREOF, the Investor has caused this instrument to be executed on its behalf, pursuant to proper authority, by its duly authorized officer, duly attested, this ____ day of _______________ 20___.

 

	
       

	
[Investor]

	  
	
By:

	
       

	
Name:  

	  
	
Title:

	  

 

ATTEST:

  

G-1

  

	
STATE OF

	
)

	  	
)           ss.:

	
COUNTY OF

	
)

Personally appeared before me the above-named ________________, known or proved to me to be the same person who executed the foregoing instrument and to be the ____________________ of the Investor, and acknowledged that he executed the same as his free act and deed and the free act and deed of the Investor.

 

Subscribed and sworn before me this _____ day of _________ 20___.

 

	
       

	
NOTARY PUBLIC

	  
	
My commission expires the

	
_____ day of __________ 20___.

  

G-2

  

EXHIBIT H-1

LIST OF PURCHASE AGREEMENTS

	
1.

	
Flow Mortgage Loan Sale and Servicing Agreement, dated as of July 1, 2010, between Redwood Residential Acquisition Corporation (“RRAC”) and First Republic Bank, as modified by the related Acknowledgement.

	
2.

	
Flow Mortgage Loan Sale and Servicing Agreement, dated as of April 8, 2011, between DLJ Mortgage Capital, Inc. and First Republic Bank, as modified by the related Acknowledgement.

	
3.

	
Mortgage Loan Flow Purchase, Sale & Servicing Agreement, dated as of July 21, 2010, between RRAC and PHH Mortgage Corporation, as modified by the related Acknowledgement.

	
4.

	
Mortgage Loan Sale and Servicing Agreement, dated as of July 1, 2011, between RRAC and Wells Fargo Bank, N.A., as modified by the related Acknowledgement.

	
5.

	
Flow Mortgage Loan Sale and Servicing Agreement, dated as of March 1, 2011, between RRAC and SunTrust Mortgage Inc., as modified by the related Acknowledgement.

	
6.

	
Flow Mortgage Loan Purchase and Sale Agreement, dated as of January 30, 2011, between RRAC and PrimeLending, a PlainsCapital Company, as modified by the related Acknowledgement.

	
7.

	
Flow Mortgage Loan Purchase and Sale Agreement, dated as of March 1, 2011, between RRAC and Sterling Savings Bank, as modified by the related Acknowledgement.

  

H-1

  

EXHIBIT H-2

LIST OF SERVICING AGREEMENTS

 

	
1.

	
Flow Mortgage Loan Sale and Servicing Agreement, dated as of July 1, 2010, between Redwood Residential Acquisition Corporation (“RRAC”) and First Republic Bank, as modified by the related Acknowledgement.

	
2.

	
Flow Mortgage Loan Sale and Servicing Agreement, dated as of April 8, 2011, between DLJ Mortgage Capital, Inc. and First Republic Bank, as modified by the related Acknowledgement.

	
3.

	
Mortgage Loan Flow Purchase, Sale & Servicing Agreement, dated as of July 21, 2010, between RRAC and PHH Mortgage Corporation, as modified by the related Acknowledgement.

	
4.

	
Mortgage Loan Sale and Servicing Agreement, dated as of July 1, 2011, between RRAC and Wells Fargo Bank, N.A., as modified by the related Acknowledgement.

	
5.

	
Flow Mortgage Loan Sale and Servicing Agreement, dated as of March 1, 2011, between RRAC and SunTrust Mortgage Inc., as modified by the related Acknowledgement.

	
6.

	
Flow Mortgage Loan Servicing Rights Sale and Servicing Agreement, dated as of May 5, 2011, among RRAC, Select Portfolio Servicing, Inc. and DLJ Mortgage Capital, Inc., as modified by the related Acknowledgement.

  

H-2

  

EXHIBIT I

ADDITIONAL DISCLOSURE NOTIFICATION

Additional Disclosure Notification

Wells Fargo Bank, N.A., as securities administrator

Fax:  443-367-3307

Email:  cts.sec.notifications@wellsfargo.com

Sequoia Residential Funding, Inc.

Fax:  415-381-1773

Email:  Sequoia.Notices@redwoodtrust.com

	
  

	
Attn:  Corporate Trust Services- Sequoia Mortgage Trust 2011-2, Mortgage Pass-Through Certificates, Series 2011-2_—SEC REPORT PROCESSING

 

RE:  **Additional Form [10-D][10-K][8-K] Disclosure** Required

 

Ladies and Gentlemen:

 

In accordance with Section 6.21[(a)][(b)][(c)] of the Pooling and Servicing Agreement, dated as of September 1, 2011 (the “Agreement”), by and among Sequoia Residential Funding, Inc., as Depositor, Wells Fargo Bank, N.A., as Master Servicer and Securities Administrator and U.S. Bank National Association, as Trustee, with respect to Sequoia Mortgage Trust 2011-2 Mortgage Pass-Through Certificate, the undersigned, as [          ], hereby notifies you that certain events have come to our attention that [will] [may] need to be disclosed on Form [10-D][10-K][8-K].

 

Description of Additional Form [10-D][10-K][8-K] Disclosure:

 

List of any Attachments hereto to be included in the Additional Form [10-D][10-K][8-K] Disclosure:

 

Any inquiries related to this notification should be directed to [                       ], phone number:  [         ]; email address:  [                   ].

 

	
[NAME OF PARTY],

	
as [role]

	  
	
By:

	
       

	
Name:  

	  
	
Title:

	  

  

I-1

  

EXHIBIT J

BACK-UP CERTIFICATE TO FORM 10-K CERTIFICATE

Sequoia Mortgage Trust 2011-2 (the “Trust”)

Mortgage Pass-Through Certificates

 

Re:          The Pooling and Servicing Agreement, dated as of  September 1, 2011 (the “Pooling and Servicing Agreement”), by and among Sequoia Residential Funding, Inc., as Depositor, Wells Fargo Bank, N.A., as Master Servicer and Securities Administrator and U.S. Bank National Association, as Trustee with respect to Sequoia Mortgage Trust 2011-2 Mortgage Pass-Through Certificates.

I, __________________________, the _________________________ of [NAME OF COMPANY] (the “Company”) certify to the Depositor and its officers, directors and affiliates, and with the knowledge and intent that they will rely upon this certification, that:

(1)           I have reviewed the annual report on Form 10-K for the fiscal year [____] (the “Annual Report”), and all reports on Form 10-D required to be filed in respect of period covered by the Annual Report (collectively with the Annual Report, the “Reports”), of the Trust Fund;

(2)           To my knowledge, (a) the Reports, taken as a whole, do not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by the Annual Report, and (b) the Company’s assessment of compliance and related attestation report referred to below, taken as a whole, do not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by such assessment of compliance and attestation report;

(3)           To my knowledge, the distribution information required to be provided by the Company under the Pooling and Servicing Agreement has been provided to the Securities Administrator for inclusion in the Reports is included in the Reports;

(4)           I am responsible for reviewing the activities performed by the Company under the Pooling and Servicing Agreement, and based on my knowledge and the compliance review conducted in preparing the assessment of compliance of the Company required by the Pooling and Servicing Agreement, and except as disclosed in the Reports, the Company has fulfilled its obligations under the Pooling and Servicing Agreement in all material respects; and

(5)           The report on assessment of compliance with servicing criteria applicable to the Company for asset-backed securities of the Company and each Subcontractor utilized by the Company and the related attestation report on assessment of compliance with servicing criteria applicable to it required to be included in the Annual Report in accordance with Item 1122 of Regulation AB and Exchange Act Rules 13a-18 and 15d-18 have been included as an exhibit to the Annual Report.  Any material instances of non-compliance are described in such report and have been disclosed in the Annual Report.

In giving the certifications above, the Company has reasonably relied on information provided to it by the following unaffiliated parties: [names of servicer(s), subservicer(s), custodian(s)]

Date:

	
By:  

	
       

	  
	
[Signature]

	
[Title]

  

J-1

  

EXHIBIT K

SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE

The Assessment of Compliance to be delivered by the parties listed in the table below shall address, at a minimum, the criteria identified below as “Applicable Servicing Criteria” for each such party:

 

	
Regulation

AB

Reference

	
Servicing Criteria

	
Master Servicer

	
Securities Administrator

	
Custodian

	  

	  	
General Servicing Considerations

	  	  	  	  

	
1122(d)(1)(i)

	
Policies and procedures are instituted to monitor any performance or other triggers and events of default in accordance with the transaction agreements.

	
X

	
X

	  	  
	
1122(d)(1)(ii)

	
If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party’s performance and compliance with such servicing activities.

	
X

	  	  	  
	
1122(d)(1)(iii)

	
Any requirements in the transaction agreements to maintain a back-up servicer for the pool assets are maintained.

	
N/A

	
N/A

	
N/A

	  
	
1122(d)(1)(iv)

	
A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of coverage required by and otherwise in accordance with the terms of the transaction agreements.

	
X

	  	  	  
	  	
Cash Collection and Administration

	  	  	  	  
	
1122(d)(2)(i)

	
Payments on pool assets are deposited into the appropriate bank collection accounts and related bank clearing accounts no more than two business days following receipt, or such other number of days specified in the transaction agreements.

	
X

	
X

	  	  
	
1122(d)(2)(ii)

	
Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel.

	
X

	
X

	  	  
	
1122(d)(2)(iii)

	
Advances of funds or guarantees regarding collections, cash flows or distributions, and any interest or other fees charged for such advances, are made, reviewed and approved as specified in the transaction agreements.

	
X

	  	  	  

  

K-1

  

	
1122(d)(2)(iv)

	
The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (e.g., with respect to commingling of cash) as set forth in the transaction agreements.

	
X

	
X

	  	  
	
1122(d)(2)(v)

	
Each collection account is maintained at a federally insured depository institution as set forth in the transaction agreements. For purposes of this criterion, “federally insured depository institution” with respect to a foreign financial institution means a foreign financial institution that meets the requirements of Rule 13k-1(b)(1) of the Securities Exchange Act.

	
X

	
X

	  	  
	
1122(d)(2)(vi)

	
Unissued checks are safeguarded so as to prevent unauthorized access.

	
X

	  	  	  
	
1122(d)(2)(vii)

	
Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including collection accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the transaction agreements.

	
X

	  	  	  

  

	  	
Investor Remittances and Reporting

	  	  	  	  
	
1122(d)(3)(i)

	
Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors’ or the trustee’s records as to the total unpaid principal balance and number of pool assets serviced by the Servicer.

	
X

	  	  	  
	
1122(d)(3)(ii)

	
Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other terms set forth in the transaction agreements.

	  	
X

	  	  

  

K-2

  

	
1122(d)(3)(iii)

	
Disbursements made to an investor are posted within two business days to the Servicer’s investor records, or such other number of days specified in the transaction agreements.

	
X

	  	  	  
	
1122(d)(3)(iv)

	
Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.

	
X

	  	  	  
	  	
Pool Asset Administration

	  	  	  	  
	
1122(d)(4)(i)

	
Collateral or security on pool assets is maintained as required by the transaction agreements or related pool asset documents.

	  	  	
X

	  
	
1122(d)(4)(ii)

	
Pool assets  and related documents are safeguarded as required by the transaction agreements

	  	  	
X

	  
	
1122(d)(4)(iii)

	
Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any conditions or requirements in the transaction agreements.

	
N/A

	
N/A

	
N/A

	  
	
1122(d)(4)(iv)

	
Payments on pool assets, including any payoffs, made in accordance with the related pool asset documents are posted to the Servicer’s obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in accordance with the related pool asset documents.

	
N/A

	
N/A

	
N/A

	  
	
1122(d)(4)(v)

	
The Servicer’s records regarding the pool assets agree with the Servicer’s records with respect to an obligor’s unpaid principal balance.

	
N/A

	
N/A

	
N/A

	  
	
1122(d)(4)(vi)

	
Changes with respect to the terms or status of an obligor's pool assets (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool asset documents.

	
N/A

	
N/A

	
N/A

	  
	
1122(d)(4)(vii)

	
Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other requirements established by the transaction agreements.

	
N/A

	
N/A

	
N/A

	  

  

K-3

  

	
1122(d)(4)(viii)

	
Records documenting collection efforts are maintained during the period a pool asset is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity’s activities in monitoring delinquent pool assets including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or unemployment).

	
N/A

	
N/A

	
N/A

	  
	
1122(d)(4)(ix)

	
Adjustments to interest rates or rates of return for pool assets with variable rates are computed based on the related pool asset documents.

	
N/A

	
N/A

	
N/A

	  
	
1122(d)(4)(x)

	
Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor’s pool asset documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable pool asset documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related pool assets, or such other number of days specified in the transaction agreements.

	
N/A

	
N/A

	
N/A

	  
	
1122(d)(4)(xi)

	
Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the transaction agreements.

	
N/A

	
N/A

	
N/A

	  
	
1122(d)(4)(xii)

	
Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicer’s funds and not charged to the obligor, unless the late payment was due to the obligor’s error or omission.

	
N/A

	
N/A

	
N/A

	  
	
1122(d)(4)(xiii)

	
Disbursements made on behalf of an obligor are posted within two business days to the obligor’s records maintained by the servicer, or such other number of days specified in the transaction agreements.

	
N/A

	
N/A

	
N/A

	  
	
1122(d)(4)(xiv)

	
Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction agreements.

	
X

	  	  	  
	
1122(d)(4)(xv)

	
Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is maintained as set forth in the transaction agreements.

	
N/A

	
N/A

	
N/A

	  

  

K-4

  

EXHIBIT L

ADDITIONAL FORM 10-D DISCLOSURE

 

	
ADDITIONAL FORM 10-D DISCLOSURE

	
Item on Form 10-D

	 	
Party Responsible

	
Item 1: Distribution and Pool Performance Information

	 	  
	
Information included in the Distribution Date Statement

	 	
Master Servicer

Securities Administrator

	
Any information required by 1121 which is NOT included on the Distribution Date Statement

	 	
Depositor

	
Item 2: Legal Proceedings

 

Any legal proceeding pending against the following entities or their respective property, that is material to Certificateholders, including any proceedings known to be contemplated by governmental authorities:

	 	  
	
▪ Issuing Entity (Trust Fund)

	 	
Trustee, Master Servicer, Securities Administrator and Depositor

	
▪ Sponsor (Seller)

	 	
Seller (if a party to the Pooling and Servicing Agreement) or Depositor

	
▪ Depositor

	 	
Depositor

	
▪ Trustee

	 	
Trustee

	
▪ Securities Administrator

	 	
Securities Administrator

	
▪ Master Servicer

	 	
Master Servicer

	
▪ Custodian

	 	
Custodian

	
▪ 1110(b) Originator

	 	
Depositor

	
▪ Any 1108(a)(2) Servicer (other than the Master Servicer or the Securities Administrator)

	 	
Servicer (as to itself)

	
▪ Any other party contemplated by 1100(d)(1)

	 	
Depositor

	
Item 3:  Sale of Securities and Use of Proceeds

 

Information from Item 2(a) of Part II of Form 10-Q:

 

With respect to any sale of securities by the sponsor, depositor or issuing entity, that are backed by the same asset pool or are otherwise issued by the issuing entity, whether or not registered, provide the sales and use of proceeds information in Item 701 of Regulation S-K.  Pricing information can be omitted if securities were not registered.

	 	
Depositor

  

L-1

  

	
ADDITIONAL FORM 10-D DISCLOSURE

	
Item on Form 10-D

	 	
Party Responsible

	
Item 4:  Defaults Upon Senior Securities

 

Information from Item 3 of Part II of Form 10-Q:

 

Report the occurrence of any Event of Default (after expiration of any grace period and provision of any required notice)

	 	
Securities Administrator

Trustee

	
Item 5:  Submission of Matters to a Vote of Security Holders

 

Information from Item 4 of Part II of Form 10-Q

	 	
Securities Administrator

Trustee

	
Item 6:  Significant Obligors of Pool Assets

 

Item 1112(b) – Significant Obligor Financial Information*

	 	
Depositor

	
*This information need only be reported on the Form 10-D for the distribution period in which updated information is required pursuant to the Item.

	 	  
	
Item 7:  Significant Enhancement Provider Information

 

Item 1114(b)(2) – Credit Enhancement Provider Financial Information*

	 	  
	
▪ Determining applicable disclosure threshold

	 	
Depositor

	
▪ Requesting required financial information (including any required accountants’ consent to the use thereof) or effecting incorporation by reference

	 	
Depositor

 

	
Item 1115(b) – Derivative Counterparty Financial Information*

	 	  
	
▪ Determining current maximum probable exposure

	 	
Depositor

	
▪ Determining current significance percentage

	 	
Depositor

	
▪ Requesting required financial information (including any required accountants’ consent to the use thereof) or effecting incorporation by reference

	 	
Depositor

 

	
*This information need only be reported on the Form 10-D for the distribution period in which updated information is required pursuant to the Items.

	 	  

  

L-2

  

	
ADDITIONAL FORM 10-D DISCLOSURE

	
Item on Form 10-D

	 	
Party Responsible

	
Item 8:  Other Information

 

Disclose any information required to be reported on Form 8-K during the period covered by the Form 10-D but not reported

	 	
Any party responsible for the applicable Form 8-K Disclosure item

	
Item 9:  Exhibits

	 	  
	
Distribution Date Statement to Certificate holders

	 	
Securities Administrator

	
Exhibits required by Item 601 of Regulation S-K, such as material agreements

	 	
Depositor

  

L-3

  

EXHIBIT M

ADDITIONAL FORM 10-K DISCLOSURE

 

	
ADDITIONAL FORM 10-K DISCLOSURE

	
Item on Form 10-K

	 	
Party Responsible

	
Item 1B: Unresolved Staff Comments

	 	
Depositor

	
Item 9B:  Other Information

Disclose any information required to be reported on Form 8-K during the fourth quarter covered by the Form 10-K but not reported

	 	
Any party responsible for disclosure items on Form 8-K

	
Item 15:  Exhibits, Financial Statement Schedules

	 	
Securities Administrator

Depositor

	
Reg AB Item 1112(b):  Significant Obligors of Pool Assets

	 	  
	
Significant Obligor Financial Information*

	 	
Depositor

	
*This information need only be reported on the Form 10-D for the distribution period in which updated information is required pursuant to the Item.

	 	  
	
Reg AB Item 1114(b)(2):  Credit Enhancement Provider Financial Information

	 	  
	
▪ Determining applicable disclosure threshold

	 	
Depositor

	
▪ Requesting required financial information (including any required accountants’ consent to the use thereof) or effecting incorporation by reference

	 	
Depositor

 

	
*This information need only be reported on the Form 10-D for the distribution period in which updated information is required pursuant to the Items.

	 	  
	
Reg AB Item 1115(b):  Derivative Counterparty Financial Information

	 	  
	
▪ Determining current maximum probable exposure

	 	
Depositor

	
▪ Determining current significance percentage

	 	
Depositor

	
▪ Requesting required financial information (including any required accountants’ consent to the use thereof) or effecting incorporation by reference

	 	
Depositor

	
*This information need only be reported on the Form 10-D for the distribution period in which updated information is required pursuant to the Items.

	 	  

  

M-1

  

	
ADDITIONAL FORM 10-K DISCLOSURE

	
Item on Form 10-K

	 	
Party Responsible

	
Reg AB Item 1117: Legal Proceedings

 

Any legal proceeding pending against the following entities or their respective property, that is material to Certificateholders, including any proceedings known to be contemplated by governmental authorities:

	 	  
	
▪ Issuing Entity (Trust Fund)

	 	
Trustee, Master Servicer, Securities Administrator and Depositor

	
▪ Sponsor (Seller)

	 	
Seller (if a party to the Pooling and Servicing Agreement) or Depositor

	
▪ Depositor

	 	
Depositor

	
▪ Trustee

	 	
Trustee

	
▪ Securities Administrator

	 	
Securities Administrator

	
▪ Master Servicer

	 	
Master Servicer

	
▪ Custodian

	 	
Custodian

	
▪ 1110(b) Originator

	 	
Depositor

	
▪ Any 1108(a)(2) Servicer (other than the Master Servicer or the Securities Administrator)

	 	
Servicer (as to itself)

	
▪ Any other party contemplated by 1100(d)(1)

	 	
Depositor

	
Reg AB Item 1119:  Affiliations and Relationships

	 	  
	
Whether (a) the Sponsor (Seller), Depositor or Issuing Entity is an affiliate of the following parties, and (b) to the extent known and material, any of the following parties are affiliated with one another:

	 	
Depositor as to (a)

Sponsor/Seller as to (b)

	
▪ Master Servicer

	 	
Master Servicer

	
▪ Securities Administrator

	 	
Securities Administrator

	
▪ Trustee

	 	
Depositor/Sponsor as to (a)

Trustee as to (b)

	
▪ Any other 1108(a)(3) servicer

	 	
Servicer (as to itself)

	
▪ Any 1110 Originator

	 	
Depositor/Sponsor

	
▪ Any 1112(b) Significant Obligor

	 	
Depositor/Sponsor

	
▪ Any 1114 Credit Enhancement Provider

	 	
Depositor/Sponsor

	
▪ Any 1115 Derivative Counterparty Provider

	 	
Depositor/Sponsor

	
▪ Any other 1101(d)(1) material party

	 	
Depositor/Sponsor

  

M-2

  

	
ADDITIONAL FORM 10-K DISCLOSURE

	
Item on Form 10-K

	 	
Party Responsible

	
Whether there are any “outside the ordinary course business arrangements” other than would be obtained in an arm’s length transaction between (a) the Sponsor (Seller), Depositor or Issuing Entity on the one hand, and (b) any of the following parties (or their affiliates) on the other hand, that exist currently or within the past two years and that are material to a Certificateholder’s understanding of the Certificates:

	 	
Depositor as to (a)

Sponsor/Seller as to (b)

	
▪ Master Servicer

	 	
Master Servicer

	
▪ Securities Administrator

	 	
Securities Administrator

	
▪ Trustee

	 	
Depositor/Sponsor

	
▪ Any other 1108(a)(3) servicer

	 	
Servicer (as to itself)

	
▪ Any 1110 Originator

	 	
Depositor/Sponsor

	
▪ Any 1112(b) Significant Obligor

	 	
Depositor/Sponsor

	
▪ Any 1114 Credit Enhancement Provider

	 	
Depositor/Sponsor

	
▪ Any 1115 Derivative Counterparty Provider

	 	
Depositor/Sponsor

	
▪ Any other 1101(d)(1) material party

	 	
Depositor/Sponsor

	
Whether there are any specific relationships involving the transaction or the pool assets between (a) the Sponsor (Seller), Depositor or Issuing Entity on the one hand, and (b) any of the following parties (or their affiliates) on the other hand, that exist currently or within the past two years and that are material:

	 	
Depositor as to (a)

Sponsor/Seller as to (b)

	
▪ Master Servicer

	 	
Master Servicer

	
▪ Securities Administrator

	 	
Securities Administrator

	
▪ Trustee

	 	
Depositor/Sponsor

	
▪ Any other 1108(a)(3) servicer

	 	
Servicer (as to itself)

	
▪ Any 1110 Originator

	 	
Depositor/Sponsor

	
▪ Any 1112(b) Significant Obligor

	 	
Depositor/Sponsor

	
▪ Any 1114 Credit Enhancement Provider

	 	
Depositor/Sponsor

	
▪ Any 1115 Derivative Counterparty Provider

	 	
Depositor/Sponsor

	
▪ Any other 1101(d)(1) material party

	 	
Depositor/Sponsor

  

M-3

  

EXHIBIT N

ADDITIONAL FORM 8-K DISCLOSURE

 

	
FORM 8-K DISCLOSURE INFORMATION

	
Item on Form 8-K

	 	
Party Responsible

	
Item 1.01- Entry into a Material Definitive Agreement

 

Disclosure is required regarding entry into or amendment of any definitive agreement that is material to the securitization, even if depositor is not a party.

 

Examples: servicing agreement, custody agreement.

 

Note: disclosure not required as to definitive agreements that are fully disclosed in the prospectus

	 	
All parties (as to themselves)

	
Item 1.02- Termination of a Material Definitive Agreement

 

Disclosure is required regarding termination of  any definitive agreement that is material to the securitization (other than expiration in accordance with its terms), even if depositor is not a party.

 

Examples: servicing agreement, custody agreement.

	 	
All parties (as to themselves)

	
Item 1.03- Bankruptcy or Receivership

 

Disclosure is required regarding the bankruptcy or receivership, with respect to any of the following:

	 	
Depositor

	
▪ Sponsor (Seller)

	 	
Depositor/Sponsor (Seller)

	
▪ Depositor

	 	
Depositor

	
▪ Master Servicer

	 	
Master Servicer

	
▪ Affiliated Servicer

	 	
Servicer (as to itself)

	
▪ Other Servicer servicing 20% or more of the pool assets at the time of the report

	 	
Servicer (as to itself)

	
▪ Other material servicers

	 	
Servicer (as to itself)

	
▪ Trustee

	 	
Trustee

	
▪ Securities Administrator

	 	
Securities Administrator

	
▪ Significant Obligor

	 	
Depositor

  

N-1

  

	
FORM 8-K DISCLOSURE INFORMATION

	
Item on Form 8-K

	 	
Party Responsible

	
▪ Credit Enhancer (10% or more)

	 	
Depositor

	
▪ Derivative Counterparty

	 	
Depositor

	
▪ Custodian

	 	
Custodian

	
Item 2.04- Triggering Events that Accelerate or Increase a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement

 

Includes an early amortization, performance trigger or other event, including event of default, that would materially alter the payment priority/distribution of cash flows/amortization schedule.

 

Disclosure will be made of events other than waterfall triggers which are disclosed in the Distribution Date Statements to the certificateholders.

	 	
Depositor

Master Servicer

Securities Administrator

	
Item 3.03- Material Modification to Rights of Security Holders

 

Disclosure is required of any material modification to documents defining the rights of Certificateholders, including the Pooling and Servicing Agreement.

	 	
Securities Administrator

Depositor

	
Item 5.03- Amendments of Articles of Incorporation or Bylaws; Change of Fiscal Year

 

Disclosure is required of any amendment “to the governing documents of the issuing entity”.

	 	
Depositor

	
Item 6.01- ABS Informational and Computational Material

	 	
Depositor

	
Item 6.02- Change of Servicer or Securities Administrator

 

Requires disclosure of any removal, replacement, substitution or addition of any master servicer, affiliated servicer, other servicer servicing 10% or more of pool assets at time of report, other material servicers or trustee.

	 	
Master Servicer/Securities Administrator/Depositor/

Servicer (as to itself)/Trustee

	
Reg AB disclosure about any new servicer or master servicer is also required.

	 	
Servicer (as to itself)/Master Servicer/Depositor

	
Reg AB disclosure about any new Trustee is also required.

	 	
Depositor/Securities Administrator

  

N-2

  

	
FORM 8-K DISCLOSURE INFORMATION

	
Item on Form 8-K

	 	
Party Responsible

	
Item 6.03- Change in Credit Enhancement or External Support

 

Covers termination of any enhancement in manner other than by its terms, the addition of an enhancement, or a material change in the enhancement provided.  Applies to external credit enhancements as well as derivatives.

	 	
Depositor/Securities Administrator

	
Reg AB disclosure about any new enhancement provider is also required.

	 	
Depositor

	
Item 6.04- Failure to Make a Required Distribution

	 	
Securities Administrator

	
Item 6.05- Securities Act Updating Disclosure

 

If any material pool characteristic differs by 5% or more at the time of issuance of the securities from the description in the final prospectus, provide updated Reg AB disclosure about the actual asset pool.

	 	
Depositor

	
If there are any new servicers or originators required to be disclosed under Regulation AB as a result of the foregoing, provide the information called for in Items 1108 and 1110 respectively.

	 	
Depositor

	
Item 7.01- Reg FD Disclosure

	 	
All parties (as to themselves)

	
Item 8.01- Other Events

 

Any event, with respect to which information is not otherwise called for in Form 8-K, that the registrant deems of importance to certificateholders.

	 	
Depositor

	
Item 9.01- Financial Statements and Exhibits

	 	
Responsible party for reporting/disclosing the financial statement or exhibit

  

N-3

  

EXHIBIT O

FORM OF CERTIFICATION FOR NRSROs AND DEPOSITOR

[Date]

Wells Fargo Bank, National Association

9062 Old Annapolis Road

Columbia, Maryland 21045

Attention: RMBS – SEMT 2011-2

	
Attention: 

	
Sequoia Mortgage Trust 2011-2,

Mortgage Pass-Through Certificates, Series 2011-2

In accordance with the requirements for obtaining certain information pursuant to the Pooling and Servicing Agreement, dated as of September 1, 2011 (the “Pooling and Servicing Agreement”), by and among Sequoia Residential Funding, Inc., as Depositor, Wells Fargo Bank, N.A., as Master Servicer and Securities Administrator, and U.S. Bank National Association, as Trustee with respect to the above-referenced certificates (the “Certificates”), the undersigned hereby certifies and agrees as follows:

With respect to any Nationally Recognized Statistical Rating Organization (“NRSRO”):

	
  

	
1.

	
The undersigned, an NRSRO, has provided the Depositor with the appropriate certifications under Exchange Act Rule 17g-5(e).

	
  

	
2.

	
The undersigned has access to the Depositor's 17g-5 website, and any confidentiality agreement applicable to the undersigned with respect to information obtained from the Depositor's 17g-5 website shall also be applicable to information obtained from the Rule 17g-5 Website.

	
  

	
3.

	
The undersigned shall be deemed to have recertified to the provisions herein each time it accesses any information on the Rule 17g-5 Website maintained by the Securities Administrator.

With respect to the Depositor:

	
  

	
1.

	
The undersigned is the Depositor under the Pooling and Servicing Agreement.

Capitalized terms used but not defined herein shall have the respective meanings assigned thereto in the Pooling and Servicing Agreement.

BY ITS CERTIFICATION HEREOF, the undersigned has made the representations above and shall be deemed to have caused its name to be signed hereto by its duly authorized signatory, as of the date certified.

  

O-1

  

SCHEDULE A

MORTGAGE LOAN SCHEDULE

 

  

Schedule A-1

  

 

	
KEY

	
Primary 

Servicer

	
Servicing 

Fee %

	
Servicing Fee—Flatdollar

	
Servicing 

Advance Methodology

	
Originator

	
Loan 

Group

	
Loan 

Number

	
Amortization Type

	
Lien Position

	
HELOC Indicator

	
1

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000169

	
1

	
1

	
0

	
2

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000189

	
1

	
1

	
0

	
3

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000012

	
1

	
1

	
0

	
4

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000005

	
1

	
1

	
0

	
5

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000022

	
1

	
1

	
0

	
6

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000007

	
1

	
1

	
0

	
7

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000013

	
1

	
1

	
0

	
8

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000001

	
1

	
1

	
0

	
9

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000004

	
1

	
1

	
0

	
10

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000036

	
1

	
1

	
0

	
11

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000028

	
1

	
1

	
0

	
12

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000008

	
1

	
1

	
0

	
13

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000011

	
1

	
1

	
0

	
14

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000002

	
1

	
1

	
0

	
15

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000029

	
1

	
1

	
0

	
16

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000023

	
1

	
1

	
0

	
17

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000003

	
1

	
1

	
0

	
18

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000009

	
1

	
1

	
0

	
19

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000016

	
1

	
1

	
0

	
20

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000035

	
1

	
1

	
0

	
21

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000027

	
1

	
1

	
0

	
22

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000017

	
1

	
1

	
0

	
23

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000018

	
1

	
1

	
0

	
24

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000006

	
1

	
1

	
0

	
25

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000015

	
1

	
1

	
0

	
26

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000034

	
1

	
1

	
0

	
27

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000045

	
1

	
1

	
0

	
28

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000021

	
1

	
1

	
0

	
29

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000031

	
1

	
1

	
0

	
30

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000026

	
1

	
1

	
0

	
31

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000030

	
1

	
1

	
0

	
32

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000044

	
1

	
1

	
0

	
33

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000038

	
1

	
1

	
0

	
34

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000042

	
1

	
1

	
0

	
35

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000048

	
1

	
1

	
0

	
36

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000047

	
1

	
1

	
0

	
37

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000051

	
1

	
1

	
0

	
38

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000053

	
1

	
1

	
0

	
39

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000052

	
1

	
1

	
0

	
40

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000050

	
1

	
1

	
0

	
41

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000062

	
1

	
1

	
0

	
42

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000057

	
1

	
1

	
0

	
43

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000055

	
1

	
1

	
0

	
44

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000060

	
1

	
1

	
0

	
45

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000061

	
1

	
1

	
0

	
46

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000064

	
1

	
1

	
0

	
47

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000063

	
1

	
1

	
0

	
48

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000070

	
1

	
1

	
0

	
49

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000067

	
1

	
1

	
0

	
50

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000068

	
1

	
1

	
0

	
51

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000164

	
1

	
1

	
0

	
52

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000071

	
1

	
1

	
0

	
53

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000092

	
1

	
1

	
0

	
54

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000096

	
1

	
1

	
0

	
55

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000078

	
1

	
1

	
0

	
56

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000082

	
1

	
1

	
0

	
57

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000110

	
1

	
1

	
0

	
58

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000089

	
1

	
1

	
0

	
59

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000083

	
1

	
1

	
0

	
60

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000079

	
1

	
1

	
0

	
61

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000074

	
1

	
1

	
0

	
62

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000085

	
1

	
1

	
0

	
63

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000094

	
1

	
1

	
0

	
64

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000093

	
1

	
1

	
0

	
65

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000084

	
1

	
1

	
0

	
66

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000102

	
1

	
1

	
0

	
67

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000081

	
1

	
1

	
0

	
68

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000098

	
1

	
1

	
0

	
69

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000099

	
1

	
1

	
0

	
70

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000090

	
1

	
1

	
0

	
71

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000087

	
1

	
1

	
0

	
72

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000095

	
1

	
1

	
0

	
73

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000101

	
1

	
1

	
0

	
74

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000100

	
1

	
1

	
0

	
75

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000200

	
1

	
1

	
0

	
76

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000104

	
1

	
1

	
0

	
77

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000124

	
1

	
1

	
0

	
78

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000125

	
1

	
1

	
0

	
79

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000117

	
1

	
1

	
0

	
80

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000107

	
1

	
1

	
0

	
81

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000097

	
1

	
1

	
0

	
82

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000103

	
1

	
1

	
0

	
83

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000112

	
1

	
1

	
0

	
84

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000115

	
1

	
1

	
0

	
85

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000114

	
1

	
1

	
0

	
86

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000116

	
1

	
1

	
0

	
87

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000122

	
1

	
1

	
0

	
88

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000127

	
1

	
1

	
0

	
89

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000138

	
1

	
1

	
0

	
90

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000111

	
1

	
1

	
0

	
91

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000105

	
1

	
1

	
0

	
92

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000108

	
1

	
1

	
0

	
93

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000129

	
1

	
1

	
0

	
94

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000157

	
1

	
1

	
0

	
95

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000137

	
1

	
1

	
0

	
96

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000143

	
1

	
1

	
0

	
97

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000201

	
1

	
1

	
0

	
98

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000149

	
1

	
1

	
0

	
99

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000131

	
1

	
1

	
0

	
100

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000139

	
1

	
1

	
0

	
101

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000167

	
1

	
1

	
0

	
102

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000159

	
1

	
1

	
0

	
103

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000188

	
1

	
1

	
0

	
104

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000147

	
1

	
1

	
0

	
105

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000202

	
1

	
1

	
0

	
106

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000144

	
1

	
1

	
0

	
107

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000171

	
1

	
1

	
0

	
108

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000133

	
1

	
1

	
0

	
109

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000152

	
1

	
1

	
0

	
110

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000121

	
1

	
1

	
0

	
111

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000186

	
1

	
1

	
0

	
112

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000146

	
1

	
1

	
0

	
113

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000168

	
1

	
1

	
0

	
114

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000141

	
1

	
1

	
0

	
115

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000176

	
1

	
1

	
0

	
116

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000162

	
1

	
1

	
0

	
117

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000174

	
1

	
1

	
0

	
118

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000181

	
1

	
1

	
0

	
119

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000175

	
1

	
1

	
0

	
120

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000163

	
1

	
1

	
0

	
121

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000161

	
1

	
1

	
0

	
122

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000180

	
1

	
1

	
0

	
123

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000182

	
1

	
1

	
0

	
124

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000191

	
1

	
1

	
0

	
125

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000185

	
1

	
1

	
0

	
126

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000198

	
1

	
1

	
0

	
127

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000170

	
1

	
1

	
0

	
128

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000166

	
1

	
1

	
0

	
129

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000184

	
1

	
1

	
0

	
130

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000207

	
1

	
1

	
0

	
131

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000196

	
1

	
1

	
0

	
132

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000194

	
1

	
1

	
0

	
133

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000120

	
1

	
1

	
0

	
134

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000020

	
1

	
1

	
0

	
135

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000032

	
1

	
1

	
0

	
136

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000033

	
1

	
1

	
0

	
137

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000037

	
1

	
1

	
0

	
138

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000076

	
1

	
1

	
0

	
139

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000109

	
1

	
1

	
0

	
140

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000128

	
1

	
1

	
0

	
141

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000118

	
1

	
1

	
0

	
142

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000187

	
1

	
1

	
0

	
143

	
1000938

	
0.002500

	  	  	
1001863

	  	
1000000556

	
1

	
1

	
0

	
144

	
1000938

	
0.002500

	  	  	
1001863

	  	
1000000853

	
1

	
1

	
0

	
145

	
1000938

	
0.002500

	  	  	
1001863

	  	
1000000858

	
1

	
1

	
0

	
146

	
1000938

	
0.002500

	  	  	
1001863

	  	
1000000878

	
1

	
1

	
0

	
147

	
1000938

	
0.002500

	  	  	
1001863

	  	
1000000932

	
1

	
1

	
0

	
148

	
1000938

	
0.002500

	  	  	
1000536

	  	
1050000555

	
1

	
1

	
0

	
149

	
1000938

	
0.002500

	  	  	
1000536

	  	
1050000606

	
1

	
1

	
0

	
150

	
1000938

	
0.002500

	  	  	
1000536

	  	
1050000626

	
1

	
1

	
0

	
151

	
1000938

	
0.002500

	  	  	
1000536

	  	
1050000644

	
1

	
1

	
0

	
152

	
1000938

	
0.002500

	  	  	
1000536

	  	
1050000646

	
1

	
1

	
0

	
153

	
1000938

	
0.002500

	  	  	
1000536

	  	
1050000647

	
1

	
1

	
0

	
154

	
1000938

	
0.002500

	  	  	
1000536

	  	
1050000648

	
1

	
1

	
0

	
155

	
1000938

	
0.002500

	  	  	
1000536

	  	
1050000658

	
1

	
1

	
0

	
156

	
1000938

	
0.002500

	  	  	
1000536

	  	
1050000770

	
1

	
1

	
0

	
157

	
1000938

	
0.002500

	  	  	
1000536

	  	
1050000789

	
1

	
1

	
0

	
158

	
1000938

	
0.002500

	  	  	
1000536

	  	
1050000793

	
1

	
1

	
0

	
159

	
1000938

	
0.002500

	  	  	
1000536

	  	
1050000798

	
1

	
1

	
0

	
160

	
1000938

	
0.002500

	  	  	
1000536

	  	
1050000826

	
1

	
1

	
0

	
161

	
1000938

	
0.002500

	  	  	
1000536

	  	
1050000827

	
1

	
1

	
0

	
162

	
1000938

	
0.002500

	  	  	
1000536

	  	
1050000838

	
1

	
1

	
0

	
163

	
1000938

	
0.002500

	  	  	
1000536

	  	
1050000862

	
1

	
1

	
0

	
164

	
1000938

	
0.002500

	  	  	
1000536

	  	
1050000887

	
1

	
1

	
0

	
165

	
1000938

	
0.002500

	  	  	
1000536

	  	
1050000891

	
1

	
1

	
0

	
166

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000025

	
1

	
1

	
0

	
167

	
1002338

	
0.002500

	  	  	
1002338

	  	
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1002338

	
0.002500

	  	  	
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1002338

	
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0.002500

	  	  	
1002338

	  	
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0.002500

	  	  	
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0.002500

	  	  	
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0.002500

	  	  	
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0.002500

	  	  	
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0.002500

	  	  	
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0.002500

	  	  	
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0.002500

	  	  	
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0.002500

	  	  	
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0.002500

	  	  	
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0.002500

	  	  	
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0.002500

	  	  	
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1000200

	
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1000200

	
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1000200

	
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1000200

	
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1000200

	
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1000200

	
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1000200

	
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1000200

	
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1000200

	
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1000200

	
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1000200

	
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1000200

	
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1000200

	
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1000200

	
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1

	
1

	
0

	
344

	
1000200

	
0.002500

	  	  	
1000200

	  	
817000018

	
1

	
1

	
0

	
345

	
1000200

	
0.002500

	  	  	
1000200

	  	
817000022

	
1

	
1

	
0

	
346

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000006

	
1

	
1

	
0

	
347

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000009

	
1

	
1

	
0

	
348

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000010

	
1

	
1

	
0

	
349

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000011

	
1

	
1

	
0

	
350

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000020

	
1

	
1

	
0

	
351

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000025

	
1

	
1

	
0

	
352

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000028

	
1

	
1

	
0

	
353

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000030

	
1

	
1

	
0

	
354

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000031

	
1

	
1

	
0

	
355

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000038

	
1

	
1

	
0

	
356

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000039

	
1

	
1

	
0

	
357

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000043

	
1

	
1

	
0

	
358

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000047

	
1

	
1

	
0

	
359

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000048

	
1

	
1

	
0

	
360

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000050

	
1

	
1

	
0

	
361

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000052

	
1

	
1

	
0

	
362

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000053

	
1

	
1

	
0

	
363

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000054

	
1

	
1

	
0

	
364

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000055

	
1

	
1

	
0

	
365

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000057

	
1

	
1

	
0

	
366

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000059

	
1

	
1

	
0

	
367

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000062

	
1

	
1

	
0

	
368

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000063

	
1

	
1

	
0

	
369

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000064

	
1

	
1

	
0

	
370

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000065

	
1

	
1

	
0

	
371

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000066

	
1

	
1

	
0

	
372

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000067

	
1

	
1

	
0

	
373

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000068

	
1

	
1

	
0

	
374

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000069

	
1

	
1

	
0

	
375

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000070

	
1

	
1

	
0

	
376

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000071

	
1

	
1

	
0

	
377

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000072

	
1

	
1

	
0

	
378

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000073

	
1

	
1

	
0

	
379

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000074

	
1

	
1

	
0

	
380

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000075

	
1

	
1

	
0

	
381

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000076

	
1

	
1

	
0

	
382

	
1000104

	
0.002500

	  	  	
1000104

	  	
836000077

	
1

	
1

	
0

	
383

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000001

	
1

	
1

	
0

	
384

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000002

	
1

	
1

	
0

	
385

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000003

	
1

	
1

	
0

	
386

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000004

	
1

	
1

	
0

	
387

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000005

	
1

	
1

	
0

	
388

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000006

	
1

	
1

	
0

	
389

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000008

	
1

	
1

	
0

	
390

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000009

	
1

	
1

	
0

	
391

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000010

	
1

	
1

	
0

	
392

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000011

	
1

	
1

	
0

	
393

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000012

	
1

	
1

	
0

	
394

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000013

	
1

	
1

	
0

	
395

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000014

	
1

	
1

	
0

	
396

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000015

	
1

	
1

	
0

	
397

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000016

	
1

	
1

	
0

	
398

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000017

	
1

	
1

	
0

	
399

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000018

	
1

	
1

	
0

	
400

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000019

	
1

	
1

	
0

	
401

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000020

	
1

	
1

	
0

	
402

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000021

	
1

	
1

	
0

	
403

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000023

	
1

	
1

	
0

	
404

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000025

	
1

	
1

	
0

	
405

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000026

	
1

	
1

	
0

	
406

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000027

	
1

	
1

	
0

	
407

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000030

	
1

	
1

	
0

	
408

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000031

	
1

	
1

	
0

	
409

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000032

	
1

	
1

	
0

	
410

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000033

	
1

	
1

	
0

	
411

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000034

	
1

	
1

	
0

	
412

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000035

	
1

	
1

	
0

	
413

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000036

	
1

	
1

	
0

	
414

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000037

	
1

	
1

	
0

	
415

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000038

	
1

	
1

	
0

	
416

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000039

	
1

	
1

	
0

	
417

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000040

	
1

	
1

	
0

	
418

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000132

	
1

	
1

	
0

	
419

	
1000200

	
0.002500

	  	  	
1000200

	  	
909000228

	
1

	
1

	
0

	
420

	
1000200

	
0.002500

	  	  	
1000200

	  	
909000199

	
1

	
1

	
0

	
421

	
1000200

	
0.002500

	  	  	
1000200

	  	
909000205

	
1

	
1

	
0

	
422

	
1000200

	
0.002500

	  	  	
1000200

	  	
909000239

	
1

	
1

	
0

	
423

	
1000200

	
0.002500

	  	  	
1000200

	  	
909000224

	
1

	
1

	
0

	
424

	
1000200

	
0.002500

	  	  	
1000200

	  	
909000218

	
1

	
1

	
0

	
425

	
1000200

	
0.002500

	  	  	
1000200

	  	
909000240

	
1

	
1

	
0

	
426

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000001

	
1

	
1

	
0

	
427

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000019

	
1

	
1

	
0

	
428

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000020

	
1

	
1

	
0

	
429

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000002

	
1

	
1

	
0

	
430

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000003

	
1

	
1

	
0

	
431

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000021

	
1

	
1

	
0

	
432

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000004

	
1

	
1

	
0

	
433

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000005

	
1

	
1

	
0

	
434

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000006

	
1

	
1

	
0

	
435

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000027

	
1

	
1

	
0

	
436

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000007

	
1

	
1

	
0

	
437

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000008

	
1

	
1

	
0

	
438

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000009

	
1

	
1

	
0

	
439

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000022

	
1

	
1

	
0

	
440

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000010

	
1

	
1

	
0

	
441

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000011

	
1

	
1

	
0

	
442

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000028

	
1

	
1

	
0

	
443

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000023

	
1

	
1

	
0

	
444

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000012

	
1

	
1

	
0

	
445

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000013

	
1

	
1

	
0

	
446

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000014

	
1

	
1

	
0

	
447

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000024

	
1

	
1

	
0

	
448

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000025

	
1

	
1

	
0

	
449

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000029

	
1

	
1

	
0

	
450

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000026

	
1

	
1

	
0

	
451

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000015

	
1

	
1

	
0

	
452

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000030

	
1

	
1

	
0

	
453

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000016

	
1

	
1

	
0

	
454

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000031

	
1

	
1

	
0

	
455

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000017

	
1

	
1

	
0

	
456

	
1000200

	
0.002500

	  	  	
1000200

	  	
854000032

	
1

	
1

	
0

	
457

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000039

	
1

	
1

	
0

	
458

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000080

	
1

	
1

	
0

	
459

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000091

	
1

	
1

	
0

	
460

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000178

	
1

	
1

	
0

	
461

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000130

	
1

	
1

	
0

	
462

	
1002338

	
0.002500

	  	  	
1002338

	  	
909000154

	
1

	
1

	
0

	
463

	
1000200

	
0.002500

	  	  	
1000200

	  	
2000000429

	
1

	
1

	
0

	
464

	
1000200

	
0.002500

	  	  	
1000200

	  	
2000000476

	
1

	
1

	
0

	
465

	
1000200

	
0.002500

	  	  	
1000200

	  	
2000000617

	
1

	
1

	
0

	
466

	
1002338

	
0.002500

	  	  	
1002338

	  	
3000000462

	
1

	
1

	
0

	
467

	
1002338

	
0.002500

	  	  	
1002338

	  	
3000000583

	
1

	
1

	
0

	
468

	
1002338

	
0.002500

	  	  	
1002338

	  	
3000000588

	
1

	
1

	
0

	
469

	
1002338

	
0.002500

	  	  	
1002338

	  	
3000000649

	
1

	
1

	
0

	
470

	
1002338

	
0.002500

	  	  	
1002338

	  	
3000000656

	
1

	
1

	
0

	
471

	
1002338

	
0.002500

	  	  	
1002338

	  	
3000000671

	
1

	
1

	
0

	
472

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000007

	
1

	
1

	
0

	
473

	
1006404

	
0.002500

	  	  	
1006404

	  	
864000022

	
1

	
1

	
0

 

 

 

 

 

	
KEY

	
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

	
1

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
2

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
3

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
4

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
5

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
6

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
7

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
8

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
9

	
6

	  	  	  	  	  	
1

	
0

	
0

	  
	
10

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
11

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
12

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
13

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
14

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
15

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
16

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
17

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
18

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
19

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
20

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
21

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
22

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
23

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
24

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
25

	
6

	  	  	  	  	  	
1

	
0

	
0

	  
	
26

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
27

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
28

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
29

	
3

	  	  	  	  	  	
1

	
0

	
0

	  
	
30

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
31

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
32

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
33

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
34

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
35

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
36

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
37

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
38

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
39

	
6

	  	  	  	  	  	
1

	
0

	
0

	  
	
40

	
7

	  	  	  	  	  	
1

	
0

	
0

	  
	
41

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
42

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
43

	
7

	  	  	  	  	  	
1

	
0

	
0

	  
	
44

	
7

	  	  	  	  	  	
1

	
0

	
0

	  
	
45

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
46

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
47

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
48

	
7

	  	  	  	  	  	
1

	
4

	
0

	  
	
49

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
50

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
51

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
52

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
53

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
54

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
55

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
56

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
57

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
58

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
59

	
3

	  	  	  	  	  	
1

	
0

	
0

	  
	
60

	
6

	  	  	  	  	  	
1

	
0

	
0

	  
	
61

	
7

	  	  	  	  	  	
1

	
0

	
0

	  
	
62

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
63

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
64

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
65

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
66

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
67

	
7

	  	  	  	  	  	
1

	
0

	
0

	  
	
68

	
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4

	
0

	  
	
332

	
7

	  	  	  	  	  	
1

	
4

	
0

	  
	
333

	
6

	  	  	  	  	  	
1

	
4

	
0

	  
	
334

	
7

	  	  	  	  	  	
1

	
4

	
0

	  
	
335

	
7

	  	  	  	  	  	
1

	
4

	
0

	  
	
336

	
6

	  	  	  	  	  	
1

	
4

	
0

	  
	
337

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
338

	
7

	  	  	  	  	  	
1

	
0

	
0

	  
	
339

	
6

	  	  	  	  	  	
1

	
0

	
0

	  
	
340

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
341

	
7

	  	  	  	  	  	
1

	
4

	
0

	  
	
342

	
7

	  	  	  	  	  	
1

	
4

	
0

	  
	
343

	
3

	  	  	  	  	  	
1

	
0

	
0

	  
	
344

	
7

	  	  	  	  	  	
1

	
4

	
0

	  
	
345

	
7

	  	  	  	  	  	
1

	
4

	
0

	  
	
346

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
347

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
348

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
349

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
350

	
7

	  	  	  	  	  	
1

	
0

	
0

	  
	
351

	
7

	  	  	  	  	  	
1

	
4

	
0

	  
	
352

	
3

	  	  	  	  	  	
1

	
4

	
0

	  
	
353

	
7

	  	  	  	  	  	
1

	
4

	
0

	  
	
354

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
355

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
356

	
7

	  	  	  	  	  	
1

	
4

	
0

	  
	
357

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
358

	
7

	  	  	  	  	  	
1

	
4

	
0

	  
	
359

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
360

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
361

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
362

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
363

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
364

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
365

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
366

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
367

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
368

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
369

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
370

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
371

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
372

	
7

	  	  	  	  	  	
1

	
4

	
0

	  
	
373

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
374

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
375

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
376

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
377

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
378

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
379

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
380

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
381

	
10

	  	  	  	  	  	
1

	
0

	
0

	  
	
382

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
383

	
7

	  	  	  	  	  	
1

	
4

	
0

	  
	
384

	
7

	  	  	  	  	  	
1

	
4

	
0

	  
	
385

	
7

	  	  	  	  	  	
1

	
4

	
0

	  
	
386

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
387

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
388

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
389

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
390

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
391

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
392

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
393

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
394

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
395

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
396

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
397

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
398

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
399

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
400

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
401

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
402

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
403

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
404

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
405

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
406

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
407

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
408

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
409

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
410

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
411

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
412

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
413

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
414

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
415

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
416

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
417

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
418

	
7

	  	  	  	  	  	
1

	
0

	
0

	  
	
419

	
7

	  	  	  	  	  	
1

	
0

	
0

	  
	
420

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
421

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
422

	
7

	  	  	  	  	  	
1

	
4

	
0

	  
	
423

	
7

	  	  	  	  	  	
1

	
4

	
0

	  
	
424

	
7

	  	  	  	  	  	
1

	
4

	
0

	  
	
425

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
426

	
7

	  	  	  	  	  	
1

	
4

	
0

	  
	
427

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
428

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
429

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
430

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
431

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
432

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
433

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
434

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
435

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
436

	
6

	  	  	  	  	  	
1

	
4

	
0

	  
	
437

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
438

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
439

	
7

	  	  	  	  	  	
1

	
4

	
0

	  
	
440

	
7

	  	  	  	  	  	
1

	
4

	
0

	  
	
441

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
442

	
7

	  	  	  	  	  	
1

	
4

	
0

	  
	
443

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
444

	
6

	  	  	  	  	  	
1

	
0

	
0

	  
	
445

	
6

	  	  	  	  	  	
1

	
4

	
0

	  
	
446

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
447

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
448

	
7

	  	  	  	  	  	
1

	
4

	
0

	  
	
449

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
450

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
451

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
452

	
3

	  	  	  	  	  	
1

	
4

	
0

	  
	
453

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
454

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
455

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
456

	
7

	  	  	  	  	  	
1

	
0

	
0

	  
	
457

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
458

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
459

	
6

	  	  	  	  	  	
1

	
0

	
0

	  
	
460

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
461

	
9

	  	  	  	  	  	
1

	
0

	
0

	  
	
462

	
6

	  	  	  	  	  	
1

	
0

	
0

	  
	
463

	
6

	  	  	  	  	  	
1

	
0

	
0

	  
	
464

	
7

	  	  	  	  	  	
1

	
0

	
0

	  
	
465

	
7

	  	  	  	  	  	
1

	
4

	
0

	  
	
466

	
7

	  	  	  	  	  	
1

	
0

	
0

	  
	
467

	
7

	  	  	  	  	  	
1

	
0

	
0

	  
	
468

	
7

	  	  	  	  	  	
1

	
0

	
0

	  
	
469

	
7

	  	  	  	  	  	
1

	
0

	
0

	  
	
470

	
6

	  	  	  	  	  	
1

	
0

	
0

	  
	
471

	
7

	  	  	  	  	  	
1

	
0

	
0

	  
	
472

	
9

	  	  	  	  	  	
1

	
4

	
0

	  
	
473

	
9

	  	  	  	  	  	
1

	
4

	
0

	  

 

	
KEY

	
Hybrid Period 

of Most 

Senior 

Lien (in months)

	
Neg Am 

Limit of

Most Senior 

Lien

	
Junior 

Mortgage

Balance

	
Origination 

Date of

Most Senior 

Lien

	
Origination 

Date

	
Original 

Loan

Amount

	
Original 

Interest

Rate

	
Original

Amortization 

Term

	
Original 

Term to

Maturity

	
First 

Payment 

Date

of Loan

	
1

	  	  	
228800.00

	  	
20101229

	
700000.00

	
0.041000

	
360

	
360

	
20110201

	
2

	  	  	
250000.00

	  	
20110120

	
283000.00

	
0.044000

	
360

	
360

	
20110301

	
3

	  	  	
0.00

	  	
20090113

	
625000.00

	
0.045000

	
360

	
360

	
20090301

	
4

	  	  	
50000.00

	  	
20090112

	
500000.00

	
0.048500

	
360

	
360

	
20090301

	
5

	  	  	
0.00

	  	
20090114

	
625500.00

	
0.042500

	
360

	
360

	
20090301

	
6

	  	  	
120000.00

	  	
20090112

	
625000.00

	
0.047500

	
360

	
360

	
20090301

	
7

	  	  	
346000.00

	  	
20090113

	
625000.00

	
0.048000

	
360

	
360

	
20090301

	
8

	  	  	
100000.00

	  	
20090105

	
520950.00

	
0.047500

	
360

	
360

	
20090301

	
9

	  	  	
237750.00

	  	
20090108

	
625500.00

	
0.042500

	
360

	
360

	
20090301

	
10

	  	  	
0.00

	  	
20090223

	
219000.00

	
0.048500

	
360

	
360

	
20090401

	
11

	  	  	
0.00

	  	
20090123

	
516000.00

	
0.048000

	
360

	
360

	
20090301

	
12

	  	  	
400000.00

	  	
20090112

	
529000.00

	
0.040000

	
360

	
360

	
20090301

	
13

	  	  	
50000.00

	  	
20090113

	
550000.00

	
0.045000

	
360

	
360

	
20090301

	
14

	  	  	
0.00

	  	
20090106

	
455000.00

	
0.041500

	
360

	
360

	
20090301

	
15

	  	  	
155000.00

	  	
20090126

	
625000.00

	
0.043000

	
360

	
360

	
20090301

	
16

	  	  	
258200.00

	  	
20090115

	
417000.00

	
0.041500

	
360

	
360

	
20090301

	
17

	  	  	
0.00

	  	
20090108

	
495000.00

	
0.044500

	
360

	
360

	
20090301

	
18

	  	  	
300000.00

	  	
20090112

	
625000.00

	
0.039500

	
360

	
360

	
20090301

	
19

	  	  	
42500.00

	  	
20090114

	
637500.00

	
0.046000

	
360

	
360

	
20090301

	
20

	  	  	
0.00

	  	
20090213

	
402000.00

	
0.043000

	
360

	
360

	
20090401

	
21

	  	  	
125000.00

	  	
20090121

	
392000.00

	
0.041500

	
360

	
360

	
20090301

	
22

	  	  	
0.00

	  	
20090114

	
625000.00

	
0.042500

	
360

	
360

	
20090301

	
23

	  	  	
74000.00

	  	
20090114

	
625000.00

	
0.047500

	
360

	
360

	
20090301

	
24

	  	  	
85000.00

	  	
20090112

	
625000.00

	
0.045500

	
360

	
360

	
20090301

	
25

	  	  	
0.00

	  	
20090114

	
604000.00

	
0.045500

	
360

	
360

	
20090301

	
26

	  	  	
500000.00

	  	
20090212

	
625250.00

	
0.044500

	
360

	
360

	
20090301

	
27

	  	  	
70000.00

	  	
20090422

	
417000.00

	
0.041500

	
360

	
360

	
20090601

	
28

	  	  	
0.00

	  	
20090114

	
625500.00

	
0.044500

	
360

	
360

	
20090301

	
29

	  	  	
0.00

	  	
20090202

	
275000.00

	
0.049000

	
360

	
360

	
20090301

	
30

	  	  	
170000.00

	  	
20090121

	
625000.00

	
0.043500

	
360

	
360

	
20090301

	
31

	  	  	
100000.00

	  	
20090128

	
246000.00

	
0.042500

	
360

	
360

	
20090301

	
32

	  	  	
0.00

	  	
20090417

	
417000.00

	
0.042500

	
360

	
360

	
20090601

	
33

	  	  	
0.00

	  	
20090227

	
400000.00

	
0.040500

	
360

	
360

	
20090401

	
34

	  	  	
0.00

	  	
20090406

	
417000.00

	
0.042500

	
360

	
360

	
20090601

	
35

	  	  	
100000.00

	  	
20090528

	
729250.00

	
0.044500

	
360

	
360

	
20090701

	
36

	  	  	
0.00

	  	
20090504

	
386830.00

	
0.041500

	
360

	
360

	
20090701

	
37

	  	  	
0.00

	  	
20090622

	
690000.00

	
0.039500

	
360

	
360

	
20090801

	
38

	  	  	
0.00

	  	
20090629

	
318200.00

	
0.051000

	
360

	
360

	
20090801

	
39

	  	  	
0.00

	  	
20090623

	
70768.00

	
0.050000

	
360

	
360

	
20090801

	
40

	  	  	
0.00

	  	
20090615

	
656250.00

	
0.053000

	
360

	
360

	
20090801

	
41

	  	  	
0.00

	  	
20091214

	
290000.00

	
0.046500

	
360

	
360

	
20100201

	
42

	  	  	
0.00

	  	
20090729

	
625000.00

	
0.048750

	
360

	
360

	
20090901

	
43

	  	  	
0.00

	  	
20090727

	
360000.00

	
0.039500

	
360

	
360

	
20090901

	
44

	  	  	
0.00

	  	
20090918

	
417000.00

	
0.058000

	
360

	
360

	
20091101

	
45

	  	  	
0.00

	  	
20091104

	
170000.00

	
0.045000

	
360

	
360

	
20100101

	
46

	  	  	
175000.00

	  	
20100112

	
729750.00

	
0.046000

	
360

	
360

	
20100301

	
47

	  	  	
250000.00

	  	
20091229

	
417000.00

	
0.045000

	
360

	
360

	
20100201

	
48

	  	  	
0.00

	  	
20100617

	
157500.00

	
0.057500

	
360

	
360

	
20100801

	
49

	  	  	
0.00

	  	
20100324

	
73000.00

	
0.048000

	
360

	
360

	
20100501

	
50

	  	  	
500000.00

	  	
20100420

	
500000.00

	
0.050500

	
360

	
360

	
20100601

	
51

	  	  	
150000.00

	  	
20101228

	
900000.00

	
0.047000

	
360

	
360

	
20110201

	
52

	  	  	
0.00

	  	
20100817

	
1150000.00

	
0.052500

	
360

	
360

	
20101001

	
53

	  	  	
0.00

	  	
20100930

	
438500.00

	
0.039500

	
360

	
360

	
20101101

	
54

	  	  	
500400.00

	  	
20101006

	
1100000.00

	
0.043750

	
360

	
360

	
20101101

	
55

	  	  	
0.00

	  	
20100907

	
960000.00

	
0.047000

	
360

	
360

	
20101101

	
56

	  	  	
0.00

	  	
20100915

	
2000000.00

	
0.049000

	
360

	
360

	
20101101

	
57

	  	  	
800000.00

	  	
20101108

	
729750.00

	
0.048000

	
360

	
360

	
20110101

	
58

	  	  	
100000.00

	  	
20100928

	
960000.00

	
0.047500

	
360

	
360

	
20101101

	
59

	  	  	
200000.00

	  	
20100915

	
417000.00

	
0.051500

	
360

	
360

	
20101101

	
60

	  	  	
0.00

	  	
20100907

	
697500.00

	
0.045000

	
360

	
360

	
20101101

	
61

	  	  	
700000.00

	  	
20100826

	
729750.00

	
0.045000

	
360

	
360

	
20101001

	
62

	  	  	
0.00

	  	
20100921

	
642000.00

	
0.046500

	
360

	
360

	
20101101

	
63

	  	  	
0.00

	  	
20101005

	
417000.00

	
0.043500

	
360

	
360

	
20101101

	
64

	  	  	
500000.00

	  	
20101004

	
685000.00

	
0.049000

	
360

	
360

	
20101201

	
65

	  	  	
235000.00

	  	
20100916

	
1200000.00

	
0.045500

	
360

	
360

	
20101101

	
66

	  	  	
0.00

	  	
20101019

	
1100000.00

	
0.047500

	
360

	
360

	
20101201

	
67

	  	  	
0.00

	  	
20100914

	
1072000.00

	
0.046500

	
360

	
360

	
20101101

	
68

	  	  	
70000.00

	  	
20101007

	
710000.00

	
0.043500

	
360

	
360

	
20101201

	
69

	  	  	
0.00

	  	
20101007

	
1600000.00

	
0.047500

	
360

	
360

	
20101201

	
70

	  	  	
500290.00

	  	
20100928

	
1090000.00

	
0.047500

	
360

	
360

	
20101101

	
71

	  	  	
0.00

	  	
20100922

	
1000000.00

	
0.044500

	
360

	
360

	
20101101

	
72

	  	  	
0.00

	  	
20101005

	
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20110114

	
482000.00

	
0.048750

	
360

	
360

	
20110301

	
394

	  	  	
0.00

	  	
20110114

	
1025200.00

	
0.050000

	
360

	
360

	
20110301

	
395

	  	  	
0.00

	  	
20110113

	
938000.00

	
0.050000

	
360

	
360

	
20110301

	
396

	  	  	
250000.00

	  	
20110114

	
790000.00

	
0.047500

	
360

	
360

	
20110301

	
397

	  	  	
195000.00

	  	
20110114

	
992800.00

	
0.048750

	
360

	
360

	
20110301

	
398

	  	  	
0.00

	  	
20110113

	
498000.00

	
0.048750

	
360

	
360

	
20110301

	
399

	  	  	
500000.00

	  	
20110113

	
790000.00

	
0.048750

	
360

	
360

	
20110301

	
400

	  	  	
0.00

	  	
20110114

	
737500.00

	
0.050000

	
360

	
360

	
20110301

	
401

	  	  	
0.00

	  	
20110113

	
754000.00

	
0.050000

	
360

	
360

	
20110301

	
402

	  	  	
100000.00

	  	
20110114

	
920000.00

	
0.051250

	
360

	
360

	
20110301

	
403

	  	  	
0.00

	  	
20110113

	
760000.00

	
0.048750

	
360

	
360

	
20110301

	
404

	  	  	
38000.00

	  	
20110113

	
542900.00

	
0.048750

	
360

	
360

	
20110301

	
405

	  	  	
100000.00

	  	
20110113

	
686000.00

	
0.050000

	
360

	
360

	
20110301

	
406

	  	  	
0.00

	  	
20110110

	
920000.00

	
0.050000

	
360

	
360

	
20110301

	
407

	  	  	
165000.00

	  	
20110113

	
636700.00

	
0.048750

	
360

	
360

	
20110301

	
408

	  	  	
500000.00

	  	
20110112

	
996000.00

	
0.050000

	
360

	
360

	
20110301

	
409

	  	  	
0.00

	  	
20110111

	
1343000.00

	
0.053750

	
360

	
360

	
20110301

	
410

	  	  	
0.00

	  	
20110114

	
1100000.00

	
0.050000

	
360

	
360

	
20110301

	
411

	  	  	
0.00

	  	
20110114

	
735000.00

	
0.048750

	
360

	
360

	
20110301

	
412

	  	  	
0.00

	  	
20110118

	
546000.00

	
0.050000

	
360

	
360

	
20110301

	
413

	  	  	
0.00

	  	
20110111

	
895000.00

	
0.051250

	
360

	
360

	
20110301

	
414

	  	  	
0.00

	  	
20110114

	
669500.00

	
0.048750

	
360

	
360

	
20110301

	
415

	  	  	
0.00

	  	
20110114

	
608000.00

	
0.051250

	
360

	
360

	
20110301

	
416

	  	  	
100000.00

	  	
20110112

	
714270.00

	
0.048750

	
360

	
360

	
20110301

	
417

	  	  	
0.00

	  	
20110113

	
732000.00

	
0.051250

	
360

	
360

	
20110301

	
418

	  	  	
0.00

	  	
20101130

	
408000.00

	
0.052000

	
360

	
360

	
20110101

	
419

	  	  	
0.00

	  	
20110413

	
850000.00

	
0.053750

	
360

	
360

	
20110601

	
420

	  	  	
0.00

	  	
20110201

	
1000000.00

	
0.048750

	
360

	
360

	
20110401

	
421

	  	  	
0.00

	  	
20110204

	
498750.00

	
0.047500

	
360

	
360

	
20110401

	
422

	  	  	
0.00

	  	
20110307

	
550000.00

	
0.051250

	
360

	
360

	
20110501

	
423

	  	  	
0.00

	  	
20110331

	
848000.00

	
0.047500

	
360

	
360

	
20110501

	
424

	  	  	
0.00

	  	
20110328

	
910000.00

	
0.050000

	
360

	
360

	
20110501

	
425

	  	  	
0.00

	  	
20110524

	
509419.00

	
0.052500

	
360

	
360

	
20110701

	
426

	  	  	
0.00

	  	
20101207

	
479400.00

	
0.047500

	
360

	
360

	
20110201

	
427

	  	  	
0.00

	  	
20101223

	
1416440.00

	
0.051250

	
360

	
360

	
20110201

	
428

	  	  	
0.00

	  	
20101211

	
553900.00

	
0.052500

	
360

	
360

	
20110201

	
429

	  	  	
0.00

	  	
20101202

	
1025000.00

	
0.052500

	
360

	
360

	
20110201

	
430

	  	  	
0.00

	  	
20110104

	
615000.00

	
0.052500

	
360

	
360

	
20110301

	
431

	  	  	
0.00

	  	
20110121

	
880000.00

	
0.048750

	
360

	
360

	
20110301

	
432

	  	  	
0.00

	  	
20101220

	
820000.00

	
0.047500

	
360

	
360

	
20110201

	
433

	  	  	
0.00

	  	
20110118

	
997000.00

	
0.047500

	
360

	
360

	
20110301

	
434

	  	  	
0.00

	  	
20101220

	
572683.68

	
0.050000

	
360

	
360

	
20110201

	
435

	  	  	
0.00

	  	
20110119

	
742500.00

	
0.048750

	
360

	
360

	
20110301

	
436

	  	  	
0.00

	  	
20101228

	
664000.00

	
0.047500

	
360

	
360

	
20110201

	
437

	  	  	
0.00

	  	
20101227

	
1443750.00

	
0.047500

	
360

	
360

	
20110201

	
438

	  	  	
0.00

	  	
20101223

	
1105000.00

	
0.047500

	
360

	
360

	
20110201

	
439

	  	  	
0.00

	  	
20110106

	
647500.00

	
0.051250

	
360

	
360

	
20110301

	
440

	  	  	
0.00

	  	
20101215

	
552000.00

	
0.047500

	
360

	
360

	
20110201

	
441

	  	  	
0.00

	  	
20110117

	
811497.79

	
0.048750

	
360

	
360

	
20110301

	
442

	  	  	
0.00

	  	
20101209

	
548000.00

	
0.048750

	
360

	
360

	
20110201

	
443

	  	  	
0.00

	  	
20110121

	
846400.00

	
0.050000

	
360

	
360

	
20110301

	
444

	  	  	
0.00

	  	
20101202

	
928000.00

	
0.047500

	
360

	
360

	
20110201

	
445

	  	  	
0.00

	  	
20110105

	
560000.00

	
0.047500

	
360

	
360

	
20110301

	
446

	  	  	
0.00

	  	
20110120

	
1250000.00

	
0.048750

	
360

	
360

	
20110301

	
447

	  	  	
0.00

	  	
20101220

	
999999.00

	
0.048750

	
360

	
360

	
20110201

	
448

	  	  	
0.00

	  	
20110111

	
960000.00

	
0.047500

	
360

	
360

	
20110301

	
449

	  	  	
0.00

	  	
20110124

	
931000.00

	
0.047500

	
360

	
360

	
20110301

	
450

	  	  	
0.00

	  	
20101222

	
561000.00

	
0.053750

	
360

	
360

	
20110201

	
451

	  	  	
0.00

	  	
20110110

	
562721.31

	
0.048750

	
360

	
360

	
20110301

	
452

	  	  	
0.00

	  	
20110120

	
900000.00

	
0.050000

	
360

	
360

	
20110301

	
453

	  	  	
0.00

	  	
20110103

	
551866.00

	
0.048750

	
360

	
360

	
20110301

	
454

	  	  	
0.00

	  	
20110118

	
576000.00

	
0.050000

	
360

	
360

	
20110301

	
455

	  	  	
0.00

	  	
20110125

	
1098750.00

	
0.050000

	
360

	
360

	
20110301

	
456

	  	  	
0.00

	  	
20110112

	
744000.00

	
0.051250

	
360

	
360

	
20110301

	
457

	  	  	
0.00

	  	
20090303

	
350000.00

	
0.047500

	
360

	
360

	
20090501

	
458

	  	  	
0.00

	  	
20100913

	
955000.00

	
0.048500

	
360

	
360

	
20101101

	
459

	  	  	
0.00

	  	
20100930

	
1362500.00

	
0.044500

	
360

	
360

	
20101101

	
460

	  	  	
1000000.00

	  	
20110110

	
1497300.00

	
0.048000

	
360

	
360

	
20110301

	
461

	  	  	
0.00

	  	
20101129

	
729000.00

	
0.041000

	
360

	
360

	
20110101

	
462

	  	  	
0.00

	  	
20101217

	
1000000.00

	
0.044500

	
360

	
360

	
20110201

	
463

	  	  	
0.00

	  	
20110107

	
848250.00

	
0.046250

	
360

	
360

	
20110301

	
464

	  	  	
0.00

	  	
20110303

	
468000.00

	
0.053750

	
360

	
360

	
20110501

	
465

	  	  	
0.00

	  	
20110701

	
999999.00

	
0.050000

	
360

	
360

	
20110901

	
466

	  	  	
0.00

	  	
20110121

	
1137500.00

	
0.053500

	
360

	
360

	
20110301

	
467

	  	  	
0.00

	  	
20110421

	
850000.00

	
0.052000

	
360

	
360

	
20110601

	
468

	  	  	
0.00

	  	
20110415

	
1550000.00

	
0.049500

	
360

	
360

	
20110601

	
469

	  	  	
0.00

	  	
20110504

	
1000000.00

	
0.049000

	
360

	
360

	
20110701

	
470

	  	  	
0.00

	  	
20110606

	
1070000.00

	
0.051000

	
360

	
360

	
20110801

	
471

	  	  	
0.00

	  	
20110624

	
1000000.00

	
0.047000

	
360

	
360

	
20110801

	
472

	  	  	
0.00

	  	
20110114

	
999999.00

	
0.050000

	
360

	
360

	
20110301

	
473

	  	  	
0.00

	  	
20110114

	
1487000.00

	
0.048750

	
360

	
360

	
20110301

 

	
KEY

	
Interest Type

Indicator

	
Original Interest

Only Term

	
Buy Down Period

	
HELOC Draw Period

	
Current Loan

Amount

	
Current Interest

Rate

	
Current Payment

Amount Due

	
Interest Paid

Through Date

	
Current Payment

Status

	
Index Type

	
1

	
1

	
0

	
0

	  	
691978.80

	
0.041000

	
3382.39

	
20110901

	
0

	
0

	
2

	
1

	
0

	
0

	  	
280314.16

	
0.044000

	
1417.16

	
20110901

	
0

	
0

	
3

	
1

	
0

	
0

	  	
597997.17

	
0.045000

	
3166.79

	
20110901

	
0

	
0

	
4

	
1

	
0

	
0

	  	
479646.12

	
0.048500

	
2538.39

	
20110901

	
0

	
0

	
5

	
1

	
0

	
0

	  	
597315.86

	
0.042500

	
3077.09

	
20110901

	
0

	
0

	
6

	
1

	
0

	
0

	  	
522932.40

	
0.047500

	
3151.11

	
20110901

	
0

	
0

	
7

	
1

	
0

	
0

	  	
599339.16

	
0.048000

	
3154.11

	
20110901

	
0

	
0

	
8

	
1

	
0

	
0

	  	
497280.49

	
0.047500

	
2717.53

	
20110901

	
0

	
0

	
9

	
1

	
0

	
0

	  	
597315.86

	
0.042500

	
3077.09

	
20110901

	
0

	
0

	
10

	
1

	
0

	
0

	  	
210390.17

	
0.048500

	
1111.75

	
20110901

	
0

	
0

	
11

	
1

	
0

	
0

	  	
494814.21

	
0.048000

	
2604.04

	
20110901

	
0

	
0

	
12

	
1

	
0

	
0

	  	
504151.51

	
0.040000

	
2525.53

	
20110901

	
0

	
0

	
13

	
1

	
0

	
0

	  	
526237.68

	
0.045000

	
2786.77

	
20110901

	
0

	
0

	
14

	
1

	
0

	
0

	  	
434153.09

	
0.041500

	
2211.78

	
20110901

	
0

	
0

	
15

	
1

	
0

	
0

	  	
597073.22

	
0.043000

	
2968.36

	
20110901

	
0

	
0

	
16

	
1

	
0

	
0

	  	
397894.14

	
0.041500

	
1944.03

	
20110901

	
0

	
0

	
17

	
1

	
0

	
0

	  	
472828.21

	
0.044500

	
2394.71

	
20110901

	
0

	
0

	
18

	
1

	
0

	
0

	  	
595398.42

	
0.039500

	
2841.61

	
20110901

	
0

	
0

	
19

	
1

	
0

	
0

	  	
610419.50

	
0.046000

	
3268.11

	
20110901

	
0

	
0

	
20

	
1

	
0

	
0

	  	
384648.38

	
0.043000

	
1989.39

	
20110901

	
0

	
0

	
21

	
1

	
0

	
0

	  	
374039.21

	
0.041500

	
1827.48

	
20110901

	
0

	
0

	
22

	
1

	
0

	
0

	  	
596838.34

	
0.042500

	
2950.09

	
20110901

	
0

	
0

	
23

	
1

	
0

	
0

	  	
599119.08

	
0.047500

	
3135.30

	
20110901

	
0

	
0

	
24

	
1

	
0

	
0

	  	
598224.63

	
0.045500

	
3185.38

	
20110901

	
0

	
0

	
25

	
1

	
0

	
0

	  	
578124.34

	
0.045500

	
3078.35

	
20110901

	
0

	
0

	
26

	
1

	
0

	
0

	  	
598007.41

	
0.044500

	
3024.74

	
20110901

	
0

	
0

	
27

	
1

	
0

	
0

	  	
399833.74

	
0.041500

	
1943.63

	
20110901

	
0

	
0

	
28

	
1

	
0

	
0

	  	
598246.50

	
0.044500

	
3025.94

	
20110901

	
0

	
0

	
29

	
1

	
0

	
0

	  	
263900.91

	
0.049000

	
1459.50

	
20110901

	
0

	
0

	
30

	
1

	
0

	
0

	  	
597306.35

	
0.043500

	
3111.33

	
20110901

	
0

	
0

	
31

	
1

	
0

	
0

	  	
234915.42

	
0.042500

	
1161.16

	
20110901

	
0

	
0

	
32

	
1

	
0

	
0

	  	
400120.32

	
0.042500

	
1967.90

	
20110901

	
0

	
0

	
33

	
1

	
0

	
0

	  	
381998.06

	
0.040500

	
1921.21

	
20110901

	
0

	
0

	
34

	
1

	
0

	
0

	  	
400120.32

	
0.042500

	
2051.39

	
20110901

	
0

	
0

	
35

	
1

	
0

	
0

	  	
701783.98

	
0.044500

	
3673.37

	
20110901

	
0

	
0

	
36

	
1

	
0

	
0

	  	
371501.41

	
0.041500

	
1802.88

	
20110901

	
0

	
0

	
37

	
1

	
0

	
0

	  	
662818.60

	
0.039500

	
3274.31

	
20110901

	
0

	
0

	
38

	
1

	
0

	
0

	  	
307905.23

	
0.051000

	
1727.67

	
20110901

	
0

	
0

	
39

	
1

	
0

	
0

	  	
61609.58

	
0.050000

	
367.02

	
20110901

	
0

	
0

	
40

	
1

	
0

	
0

	  	
635751.18

	
0.053000

	
3644.19

	
20110901

	
0

	
0

	
41

	
1

	
0

	
0

	  	
282287.94

	
0.046500

	
1495.35

	
20110901

	
0

	
0

	
42

	
1

	
0

	
0

	  	
604821.13

	
0.048750

	
3307.56

	
20110901

	
0

	
0

	
43

	
1

	
0

	
0

	  	
346386.44

	
0.039500

	
1708.34

	
20110901

	
0

	
0

	
44

	
1

	
0

	
0

	  	
196299.63

	
0.058000

	
2403.48

	
20110901

	
0

	
0

	
45

	
1

	
0

	
0

	  	
165118.19

	
0.045000

	
826.92

	
20110901

	
0

	
0

	
46

	
1

	
0

	
0

	  	
711188.35

	
0.046000

	
3741.03

	
20110901

	
0

	
0

	
47

	
1

	
0

	
0

	  	
405617.22

	
0.045000

	
2112.88

	
20110901

	
0

	
0

	
48

	
1

	
0

	
0

	  	
155124.71

	
0.057500

	
919.13

	
20110901

	
0

	
0

	
49

	
1

	
0

	
0

	  	
71296.17

	
0.048000

	
368.14

	
20110901

	
0

	
0

	
50

	
1

	
0

	
0

	  	
490169.53

	
0.050500

	
2597.16

	
20110901

	
0

	
0

	
51

	
1

	
0

	
0

	  	
890731.69

	
0.047000

	
4481.94

	
20110901

	
0

	
0

	
52

	
1

	
0

	
0

	  	
1133784.29

	
0.052500

	
6350.35

	
20110901

	
0

	
0

	
53

	
1

	
0

	
0

	  	
431371.45

	
0.039500

	
1990.84

	
20110901

	
0

	
0

	
54

	
1

	
0

	
0

	  	
1083400.65

	
0.043750

	
5266.11

	
20110901

	
0

	
0

	
55

	
1

	
0

	
0

	  	
941003.41

	
0.047000

	
4978.93

	
20110901

	
0

	
0

	
56

	
1

	
0

	
0

	  	
1972516.86

	
0.049000

	
10614.54

	
20110901

	
0

	
0

	
57

	
1

	
0

	
0

	  	
721430.03

	
0.048000

	
3828.75

	
20110901

	
0

	
0

	
58

	
1

	
0

	
0

	  	
943957.60

	
0.047500

	
4810.80

	
20110901

	
0

	
0

	
59

	
1

	
0

	
0

	  	
411523.13

	
0.051500

	
2276.93

	
20110901

	
0

	
0

	
60

	
1

	
0

	
0

	  	
687204.74

	
0.045000

	
3390.78

	
20110901

	
0

	
0

	
61

	
1

	
0

	
0

	  	
717977.43

	
0.045000

	
3547.75

	
20110901

	
0

	
0

	
62

	
1

	
0

	
0

	  	
632773.57

	
0.046500

	
3310.39

	
20110901

	
0

	
0

	
63

	
1

	
0

	
0

	  	
410679.47

	
0.043500

	
2075.88

	
20110901

	
0

	
0

	
64

	
1

	
0

	
0

	  	
676460.28

	
0.049000

	
3635.48

	
20110901

	
0

	
0

	
65

	
1

	
0

	
0

	  	
1143002.20

	
0.045500

	
6115.93

	
20110901

	
0

	
0

	
66

	
1

	
0

	
0

	  	
1085911.24

	
0.047500

	
5511.59

	
20110901

	
0

	
0

	
67

	
1

	
0

	
0

	  	
1056593.88

	
0.046500

	
5307.21

	
20110901

	
0

	
0

	
68

	
1

	
0

	
0

	  	
700234.54

	
0.043500

	
3534.47

	
20110901

	
0

	
0

	
69

	
1

	
0

	
0

	  	
1579507.36

	
0.047500

	
8346.36

	
20110901

	
0

	
0

	
70

	
1

	
0

	
0

	  	
1074612.72

	
0.047500

	
5461.79

	
20110901

	
0

	
0

	
71

	
1

	
0

	
0

	  	
985108.50

	
0.044500

	
4831.68

	
20110901

	
0

	
0

	
72

	
1

	
0

	
0

	  	
410574.97

	
0.037000

	
1833.72

	
20110901

	
0

	
0

	
73

	
1

	
0

	
0

	  	
679368.72

	
0.037000

	
3034.20

	
20110901

	
0

	
0

	
74

	
1

	
0

	
0

	  	
1973687.05

	
0.046000

	
10252.89

	
20110901

	
0

	
0

	
75

	
1

	
0

	
0

	  	
703346.52

	
0.047500

	
3550.46

	
20110901

	
0

	
0

	
76

	
1

	
0

	
0

	  	
987076.72

	
0.047000

	
4980.47

	
20110901

	
0

	
0

	
77

	
1

	
0

	
0

	  	
720075.70

	
0.039500

	
3462.94

	
20110901

	
0

	
0

	
78

	
1

	
0

	
0

	  	
165868.37

	
0.042000

	
786.94

	
20110901

	
0

	
0

	
79

	
1

	
0

	
0

	  	
246221.90

	
0.041500

	
1224.99

	
20110901

	
0

	
0

	
80

	
1

	
0

	
0

	  	
410574.97

	
0.037000

	
1919.39

	
20110901

	
0

	
0

	
81

	
1

	
0

	
0

	  	
1775336.20

	
0.048500

	
9498.46

	
20110901

	
0

	
0

	
82

	
1

	
0

	
0

	  	
986487.47

	
0.044500

	
4831.38

	
20110901

	
0

	
0

	
83

	
1

	
0

	
0

	  	
411276.16

	
0.037500

	
1845.38

	
20110901

	
0

	
0

	
84

	
1

	
0

	
0

	  	
558754.96

	
0.041500

	
2634.78

	
20110901

	
0

	
0

	
85

	
1

	
0

	
0

	  	
765675.89

	
0.045000

	
3767.08

	
20110901

	
0

	
0

	
86

	
1

	
0

	
0

	  	
703299.24

	
0.041000

	
3296.05

	
20110901

	
0

	
0

	
87

	
1

	
0

	
0

	  	
1482113.74

	
0.045500

	
7644.91

	
20110901

	
0

	
0

	
88

	
1

	
0

	
0

	  	
695717.50

	
0.040500

	
3240.98

	
20110901

	
0

	
0

	
89

	
1

	
0

	
0

	  	
411471.77

	
0.039500

	
1892.97

	
20110901

	
0

	
0

	
90

	
1

	
0

	
0

	  	
1225645.80

	
0.047500

	
6212.28

	
20110901

	
0

	
0

	
91

	
1

	
0

	
0

	  	
1480265.27

	
0.046000

	
7689.67

	
20110901

	
0

	
0

	
92

	
1

	
0

	
0

	  	
389301.13

	
0.048500

	
2077.79

	
20110901

	
0

	
0

	
93

	
1

	
0

	
0

	  	
1190880.57

	
0.050500

	
6251.77

	
20110901

	
0

	
0

	
94

	
1

	
0

	
0

	  	
519036.79

	
0.041500

	
2443.76

	
20110901

	
0

	
0

	
95

	
1

	
0

	
0

	  	
297009.64

	
0.039500

	
1428.36

	
20110901

	
0

	
0

	
96

	
1

	
0

	
0

	  	
642218.29

	
0.038500

	
3047.26

	
20110901

	
0

	
0

	
97

	
1

	
0

	
0

	  	
183336.27

	
0.047000

	
921.23

	
20110901

	
0

	
0

	
98

	
1

	
0

	
0

	  	
1434522.48

	
0.045000

	
7346.94

	
20110901

	
0

	
0

	
99

	
1

	
0

	
0

	  	
705847.75

	
0.041500

	
3328.38

	
20110901

	
0

	
0

	
100

	
1

	
0

	
0

	  	
517853.31

	
0.042000

	
2561.23

	
20110901

	
0

	
0

	
101

	
1

	
0

	
0

	  	
720572.69

	
0.040500

	
3351.07

	
20110901

	
0

	
0

	
102

	
1

	
0

	
0

	  	
721239.70

	
0.040000

	
3483.94

	
20110901

	
0

	
0

	
103

	
1

	
0

	
0

	  	
373791.30

	
0.041000

	
1831.33

	
20110901

	
0

	
0

	
104

	
1

	
0

	
0

	  	
721314.03

	
0.040500

	
3505.01

	
20110901

	
0

	
0

	
105

	
1

	
0

	
0

	  	
712324.73

	
0.045500

	
3659.37

	
20110901

	
0

	
0

	
106

	
1

	
0

	
0

	  	
1347729.28

	
0.049000

	
6943.38

	
20110901

	
0

	
0

	
107

	
1

	
0

	
0

	  	
791384.05

	
0.044500

	
4029.76

	
20110901

	
0

	
0

	
108

	
1

	
0

	
0

	  	
816504.05

	
0.047000

	
4278.77

	
20110901

	
0

	
0

	
109

	
1

	
0

	
0

	  	
721461.23

	
0.041500

	
3396.82

	
20110901

	
0

	
0

	
110

	
1

	
0

	
0

	  	
720075.70

	
0.039500

	
3312.70

	
20110901

	
0

	
0

	
111

	
1

	
0

	
0

	  	
987900.05

	
0.050500

	
5192.62

	
20110901

	
0

	
0

	
112

	
1

	
0

	
0

	  	
217434.32

	
0.040000

	
1050.32

	
20110901

	
0

	
0

	
113

	
1

	
0

	
0

	  	
405091.52

	
0.038500

	
1922.12

	
20110901

	
0

	
0

	
114

	
1

	
0

	
0

	  	
757401.59

	
0.049000

	
3902.06

	
20110901

	
0

	
0

	
115

	
1

	
0

	
0

	  	
593821.15

	
0.047000

	
2987.95

	
20110901

	
0

	
0

	
116

	
1

	
0

	
0

	  	
407067.63

	
0.038500

	
1846.55

	
20110901

	
0

	
0

	
117

	
1

	
0

	
0

	  	
722699.83

	
0.043000

	
3611.33

	
20110901

	
0

	
0

	
118

	
1

	
0

	
0

	  	
722509.89

	
0.041500

	
3547.34

	
20110901

	
0

	
0

	
119

	
1

	
0

	
0

	  	
412600.54

	
0.038000

	
1943.05

	
20110901

	
0

	
0

	
120

	
1

	
0

	
0

	  	
1484828.96

	
0.048000

	
7869.99

	
20110901

	
0

	
0

	
121

	
1

	
0

	
0

	  	
392984.66

	
0.037500

	
1842.42

	
20110901

	
0

	
0

	
122

	
1

	
0

	
0

	  	
862246.28

	
0.047500

	
4358.48

	
20110901

	
0

	
0

	
123

	
1

	
0

	
0

	  	
1071050.79

	
0.051500

	
5897.09

	
20110901

	
0

	
0

	
124

	
1

	
0

	
0

	  	
1067720.22

	
0.042500

	
5081.50

	
20110901

	
0

	
0

	
125

	
1

	
0

	
0

	  	
296997.16

	
0.041000

	
1449.60

	
20110901

	
0

	
0

	
126

	
1

	
0

	
0

	  	
1148449.67

	
0.050500

	
6005.79

	
20110901

	
0

	
0

	
127

	
1

	
0

	
0

	  	
163316.05

	
0.047500

	
826.66

	
20110901

	
0

	
0

	
128

	
1

	
0

	
0

	  	
1980314.34

	
0.049500

	
10675.40

	
20110901

	
0

	
0

	
129

	
1

	
0

	
0

	  	
412826.08

	
0.041000

	
2014.94

	
20110901

	
0

	
0

	
130

	
1

	
0

	
0

	  	
724186.38

	
0.047500

	
3655.66

	
20110901

	
0

	
0

	
131

	
1

	
0

	
0

	  	
722762.25

	
0.043500

	
3632.79

	
20110901

	
0

	
0

	
132

	
1

	
0

	
0

	  	
435328.86

	
0.051000

	
2383.55

	
20110901

	
0

	
0

	
133

	
1

	
0

	
0

	  	
639710.68

	
0.040500

	
3228.60

	
20110901

	
0

	
0

	
134

	
1

	
0

	
0

	  	
596841.56

	
0.041500

	
2916.04

	
20110901

	
0

	
0

	
135

	
1

	
0

	
0

	  	
600053.90

	
0.046500

	
3100.12

	
20110901

	
0

	
0

	
136

	
1

	
0

	
0

	  	
598274.06

	
0.042500

	
2952.25

	
20110901

	
0

	
0

	
137

	
1

	
0

	
0

	  	
398388.52

	
0.041000

	
2014.94

	
20110901

	
0

	
0

	
138

	
1

	
0

	
0

	  	
1223990.91

	
0.046000

	
6111.71

	
20110901

	
0

	
0

	
139

	
1

	
0

	
0

	  	
1482113.74

	
0.045500

	
7335.72

	
20110901

	
0

	
0

	
140

	
1

	
0

	
0

	  	
1897511.61

	
0.046500

	
9504.39

	
20110901

	
0

	
0

	
141

	
1

	
0

	
0

	  	
1086528.19

	
0.044000

	
5508.38

	
20110901

	
0

	
0

	
142

	
1

	
0

	
0

	  	
1090459.43

	
0.049000

	
5610.54

	
20110901

	
0

	
0

	
143

	
1

	
0

	
0

	  	
906647.41

	
0.052500

	
5041.62

	
20110901

	
0

	
0

	
144

	
1

	
0

	
0

	  	
647753.49

	
0.052500

	
3589.32

	
20110901

	
0

	
0

	
145

	
1

	
0

	
0

	  	
636068.10

	
0.053750

	
3569.82

	
20110901

	
0

	
0

	
146

	
1

	
0

	
0

	  	
430506.91

	
0.052500

	
2385.52

	
20110901

	
0

	
0

	
147

	
1

	
0

	
0

	  	
804076.64

	
0.052500

	
4445.24

	
20110901

	
0

	
0

	
148

	
1

	
0

	
0

	  	
656100.94

	
0.055000

	
3747.41

	
20110901

	
0

	
0

	
149

	
1

	
0

	
0

	  	
965520.18

	
0.052500

	
5356.38

	
20110901

	
0

	
0

	
150

	
1

	
0

	
0

	  	
767338.73

	
0.052500

	
4251.97

	
20110901

	
0

	
0

	
151

	
1

	
0

	
0

	  	
517378.10

	
0.051250

	
2858.28

	
20110901

	
0

	
0

	
152

	
1

	
0

	
0

	  	
761538.02

	
0.055000

	
4357.78

	
20110901

	
0

	
0

	
153

	
1

	
0

	
0

	  	
696819.88

	
0.053750

	
3949.20

	
20110901

	
0

	
0

	
154

	
1

	
0

	
0

	  	
760362.94

	
0.052500

	
4213.31

	
20110901

	
0

	
0

	
155

	
1

	
0

	
0

	  	
1199934.44

	
0.053750

	
6742.05

	
20110901

	
0

	
0

	
156

	
1

	
0

	
0

	  	
996274.47

	
0.053750

	
5597.75

	
20110901

	
0

	
0

	
157

	
1

	
0

	
0

	  	
1644027.50

	
0.050000

	
8857.56

	
20110901

	
0

	
0

	
158

	
1

	
0

	
0

	  	
935231.29

	
0.053750

	
5254.77

	
20110901

	
0

	
0

	
159

	
1

	
0

	
0

	  	
995626.16

	
0.053750

	
5594.11

	
20110901

	
0

	
0

	
160

	
1

	
0

	
0

	  	
846050.36

	
0.052500

	
4682.69

	
20110901

	
0

	
0

	
161

	
1

	
0

	
0

	  	
494285.73

	
0.052500

	
2738.93

	
20110901

	
0

	
0

	
162

	
1

	
0

	
0

	  	
549431.56

	
0.055000

	
3129.94

	
20110901

	
0

	
0

	
163

	
1

	
0

	
0

	  	
1063895.36

	
0.053750

	
5977.69

	
20110901

	
0

	
0

	
164

	
1

	
0

	
0

	  	
470914.83

	
0.052500

	
2606.40

	
20110901

	
0

	
0

	
165

	
1

	
0

	
0

	  	
630475.99

	
0.052500

	
3485.51

	
20110901

	
0

	
0

	
166

	
1

	
0

	
0

	  	
396940.24

	
0.041500

	
2022.19

	
20110901

	
0

	
0

	
167

	
1

	
0

	
0

	  	
320860.34

	
0.042500

	
1585.97

	
20110901

	
0

	
0

	
168

	
1

	
0

	
0

	  	
573857.64

	
0.044500

	
3022.32

	
20110901

	
0

	
0

	
169

	
1

	
0

	
0

	  	
310304.66

	
0.042500

	
1648.00

	
20110901

	
0

	
0

	
170

	
1

	
0

	
0

	  	
434453.28

	
0.048500

	
2456.41

	
20110901

	
0

	
0

	
171

	
1

	
0

	
0

	  	
399040.07

	
0.041000

	
1931.67

	
20110901

	
0

	
0

	
172

	
1

	
0

	
0

	  	
264219.56

	
0.040000

	
1405.73

	
20110901

	
0

	
0

	
173

	
1

	
0

	
0

	  	
400542.71

	
0.044000

	
2088.18

	
20110901

	
0

	
0

	
174

	
1

	
0

	
0

	  	
92862.87

	
0.051500

	
525.28

	
20110901

	
0

	
0

	
175

	
1

	
0

	
0

	  	
405418.12

	
0.044000

	
2088.18

	
20110901

	
0

	
0

	
176

	
1

	
0

	
0

	  	
220340.10

	
0.039500

	
1086.70

	
20110901

	
0

	
0

	
177

	
1

	
0

	
0

	  	
906282.71

	
0.055500

	
5144.58

	
20110901

	
0

	
0

	
178

	
1

	
0

	
0

	  	
548978.46

	
0.050500

	
2949.31

	
20110901

	
0

	
0

	
179

	
1

	
0

	
0

	  	
603470.91

	
0.045000

	
3040.88

	
20110901

	
0

	
0

	
180

	
1

	
0

	
0

	  	
711245.94

	
0.044500

	
3673.37

	
20110901

	
0

	
0

	
181

	
1

	
0

	
0

	  	
1033652.43

	
0.047000

	
5230.07

	
20110901

	
0

	
0

	
182

	
1

	
0

	
0

	  	
1890636.62

	
0.048000

	
10073.58

	
20110901

	
0

	
0

	
183

	
1

	
0

	
0

	  	
991006.89

	
0.047000

	
4979.65

	
20110901

	
0

	
0

	
184

	
1

	
0

	
0

	  	
574521.86

	
0.046000

	
2988.59

	
20110901

	
0

	
0

	
185

	
1

	
0

	
0

	  	
1133472.89

	
0.046500

	
5693.37

	
20110901

	
0

	
0

	
186

	
1

	
0

	
0

	  	
715703.76

	
0.041000

	
3349.03

	
20110901

	
0

	
0

	
187

	
1

	
0

	
0

	  	
1084191.48

	
0.046500

	
5445.83

	
20110901

	
0

	
0

	
188

	
1

	
0

	
0

	  	
488421.32

	
0.042500

	
2324.50

	
20110901

	
0

	
0

	
189

	
1

	
0

	
0

	  	
1934349.75

	
0.046500

	
10312.74

	
20110901

	
0

	
0

	
190

	
1

	
0

	
0

	  	
592183.69

	
0.040500

	
2881.82

	
20110901

	
0

	
0

	
191

	
1

	
0

	
0

	  	
719750.29

	
0.042000

	
3564.94

	
20110901

	
0

	
0

	
192

	
1

	
0

	
0

	  	
710245.69

	
0.039000

	
3243.10

	
20110901

	
0

	
0

	
193

	
1

	
0

	
0

	  	
915037.87

	
0.044500

	
4468.51

	
20110901

	
0

	
0

	
194

	
1

	
0

	
0

	  	
1281543.55

	
0.046500

	
6410.15

	
20110901

	
0

	
0

	
195

	
1

	
0

	
0

	  	
721239.70

	
0.040000

	
3333.46

	
20110901

	
0

	
0

	
196

	
1

	
0

	
0

	  	
721387.81

	
0.041000

	
3375.64

	
20110901

	
0

	
0

	
197

	
1

	
0

	
0

	  	
940039.43

	
0.046000

	
4674.03

	
20110901

	
0

	
0

	
198

	
1

	
0

	
0

	  	
1110547.91

	
0.050500

	
6046.68

	
20110901

	
0

	
0

	
199

	
1

	
0

	
0

	  	
722384.63

	
0.046500

	
3608.30

	
20110901

	
0

	
0

	
200

	
1

	
0

	
0

	  	
346558.04

	
0.042000

	
1711.57

	
20110901

	
0

	
0

	
201

	
1

	
0

	
0

	  	
642810.28

	
0.043000

	
3082.57

	
20110901

	
0

	
0

	
202

	
1

	
0

	
0

	  	
450981.42

	
0.048000

	
2387.23

	
20110901

	
0

	
0

	
203

	
1

	
0

	
0

	  	
316553.57

	
0.044500

	
1611.91

	
20110901

	
0

	
0

	
204

	
1

	
0

	
0

	  	
262529.56

	
0.045000

	
1287.96

	
20110901

	
0

	
0

	
205

	
1

	
0

	
0

	  	
851063.09

	
0.051250

	
4688.04

	
20110901

	
0

	
0

	
206

	
1

	
0

	
0

	  	
990680.89

	
0.052500

	
5522.04

	
20110901

	
0

	
0

	
207

	
1

	
0

	
0

	  	
867376.35

	
0.048750

	
4630.58

	
20110901

	
0

	
0

	
208

	
1

	
0

	
0

	  	
589581.82

	
0.053750

	
3331.83

	
20110901

	
0

	
0

	
209

	
1

	
0

	
0

	  	
587346.37

	
0.051250

	
3228.81

	
20110901

	
0

	
0

	
210

	
1

	
0

	
0

	  	
959443.86

	
0.050000

	
5237.11

	
20110901

	
0

	
0

	
211

	
1

	
0

	
0

	  	
574877.60

	
0.051250

	
3152.58

	
20110901

	
0

	
0

	
212

	
1

	
0

	
0

	  	
522613.06

	
0.051250

	
2869.45

	
20110901

	
0

	
0

	
213

	
1

	
0

	
0

	  	
773203.75

	
0.048750

	
4127.83

	
20110901

	
0

	
0

	
214

	
1

	
0

	
0

	  	
714340.25

	
0.051250

	
3927.69

	
20110901

	
0

	
0

	
215

	
1

	
0

	
0

	  	
773356.94

	
0.050000

	
4187.21

	
20110901

	
0

	
0

	
216

	
1

	
0

	
0

	  	
1082239.34

	
0.051250

	
5934.91

	
20110901

	
0

	
0

	
217

	
1

	
0

	
0

	  	
572801.75

	
0.052500

	
3188.98

	
20110901

	
0

	
0

	
218

	
1

	
0

	
0

	  	
703827.09

	
0.052500

	
3918.44

	
20110901

	
0

	
0

	
219

	
1

	
0

	
0

	  	
758419.17

	
0.053750

	
4280.99

	
20110901

	
0

	
0

	
220

	
1

	
0

	
0

	  	
984704.62

	
0.053750

	
5599.72

	
20110901

	
0

	
0

	
221

	
1

	
0

	
0

	  	
712892.66

	
0.050000

	
3854.26

	
20110901

	
0

	
0

	
222

	
1

	
0

	
0

	  	
620651.25

	
0.052500

	
3451.28

	
20110901

	
0

	
0

	
223

	
1

	
0

	
0

	  	
512568.02

	
0.053750

	
2911.86

	
20110901

	
0

	
0

	
224

	
1

	
0

	
0

	  	
573942.25

	
0.051250

	
3147.46

	
20110901

	
0

	
0

	
225

	
1

	
0

	
0

	  	
913598.66

	
0.052500

	
5080.28

	
20110901

	
0

	
0

	
226

	
1

	
0

	
0

	  	
549082.75

	
0.052500

	
3053.30

	
20110901

	
0

	
0

	
227

	
1

	
0

	
0

	  	
442175.94

	
0.058750

	
2626.43

	
20110901

	
0

	
0

	
228

	
1

	
0

	
0

	  	
522032.09

	
0.053750

	
2939.85

	
20110901

	
0

	
0

	
229

	
1

	
0

	
0

	  	
1426887.72

	
0.053750

	
8035.59

	
20110901

	
0

	
0

	
230

	
1

	
0

	
0

	  	
605114.29

	
0.053750

	
3404.63

	
20110901

	
0

	
0

	
231

	
1

	
0

	
0

	  	
715024.01

	
0.055000

	
4082.41

	
20110901

	
0

	
0

	
232

	
1

	
0

	
0

	  	
680244.01

	
0.052500

	
3773.80

	
20110901

	
0

	
0

	
233

	
1

	
0

	
0

	  	
802920.57

	
0.052500

	
4449.14

	
20110901

	
0

	
0

	
234

	
1

	
0

	
0

	  	
543536.21

	
0.053750

	
3057.45

	
20110901

	
0

	
0

	
235

	
1

	
0

	
0

	  	
500208.93

	
0.051250

	
2744.22

	
20110901

	
0

	
0

	
236

	
1

	
0

	
0

	  	
709894.75

	
0.053750

	
3988.68

	
20110901

	
0

	
0

	
237

	
1

	
0

	
0

	  	
597926.26

	
0.052500

	
3313.23

	
20110901

	
0

	
0

	
238

	
1

	
0

	
0

	  	
801156.10

	
0.051250

	
4377.68

	
20110901

	
0

	
0

	
239

	
1

	
0

	
0

	  	
486133.81

	
0.053750

	
2729.86

	
20110901

	
0

	
0

	
240

	
1

	
0

	
0

	  	
906927.18

	
0.053750

	
5095.74

	
20110901

	
0

	
0

	
241

	
1

	
0

	
0

	  	
592908.69

	
0.052500

	
3285.42

	
20110901

	
0

	
0

	
242

	
1

	
0

	
0

	  	
1257035.10

	
0.051250

	
6860.54

	
20110901

	
0

	
0

	
243

	
1

	
0

	
0

	  	
583047.42

	
0.052500

	
3233.71

	
20110901

	
0

	
0

	
244

	
1

	
0

	
0

	  	
1187134.35

	
0.050000

	
6388.18

	
20110901

	
0

	
0

	
245

	
1

	
0

	
0

	  	
759065.51

	
0.048750

	
4021.99

	
20110901

	
0

	
0

	
246

	
1

	
0

	
0

	  	
564351.91

	
0.052500

	
3119.95

	
20110901

	
0

	
0

	
247

	
1

	
0

	
0

	  	
466792.82

	
0.046250

	
2406.18

	
20110901

	
0

	
0

	
248

	
1

	
0

	
0

	  	
697407.36

	
0.048750

	
3704.46

	
20110901

	
0

	
0

	
249

	
1

	
0

	
0

	  	
652062.02

	
0.051250

	
3558.77

	
20110901

	
0

	
0

	
250

	
1

	
0

	
0

	  	
1769270.12

	
0.050500

	
9669.28

	
20110901

	
0

	
0

	
251

	
1

	
0

	
0

	  	
1126058.57

	
0.047000

	
5948.78

	
20110901

	
0

	
0

	
252

	
1

	
0

	
0

	  	
1209450.55

	
0.048000

	
6427.16

	
20110901

	
0

	
0

	
253

	
1

	
0

	
0

	  	
1027069.61

	
0.049000

	
5512.66

	
20110901

	
0

	
0

	
254

	
1

	
0

	
0

	  	
1305353.06

	
0.049500

	
7045.77

	
20110901

	
0

	
0

	
255

	
1

	
0

	
0

	  	
1090196.46

	
0.047500

	
5738.13

	
20110901

	
0

	
0

	
256

	
1

	
0

	
0

	  	
1230708.14

	
0.051500

	
6784.38

	
20110901

	
0

	
0

	
257

	
1

	
0

	
0

	  	
1040569.83

	
0.051000

	
5697.42

	
20110901

	
0

	
0

	
258

	
1

	
0

	
0

	  	
991405.32

	
0.049500

	
5337.70

	
20110901

	
0

	
0

	
259

	
1

	
0

	
0

	  	
803060.06

	
0.049500

	
4312.87

	
20110901

	
0

	
0

	
260

	
1

	
0

	
0

	  	
994106.62

	
0.051500

	
5460.27

	
20110901

	
0

	
0

	
261

	
1

	
0

	
0

	  	
869937.57

	
0.052500

	
4831.79

	
20110901

	
0

	
0

	
262

	
1

	
0

	
0

	  	
995424.27

	
0.053000

	
5553.05

	
20110901

	
0

	
0

	
263

	
1

	
0

	
0

	  	
995338.71

	
0.052000

	
5491.11

	
20110901

	
0

	
0

	
264

	
1

	
0

	
0

	  	
962189.35

	
0.050500

	
5226.06

	
20110901

	
0

	
0

	
265

	
1

	
0

	
0

	  	
894695.97

	
0.051500

	
4914.24

	
20110901

	
0

	
0

	
266

	
1

	
0

	
0

	  	
796406.83

	
0.054000

	
4492.25

	
20110901

	
0

	
0

	
267

	
1

	
0

	
0

	  	
1938981.54

	
0.056000

	
11481.58

	
20110901

	
0

	
0

	
268

	
1

	
0

	
0

	  	
933587.10

	
0.051500

	
5121.73

	
20110901

	
0

	
0

	
269

	
1

	
0

	
0

	  	
1296835.52

	
0.053500

	
7266.36

	
20110901

	
0

	
0

	
270

	
1

	
0

	
0

	  	
995207.90

	
0.050500

	
5398.82

	
20110901

	
0

	
0

	
271

	
1

	
0

	
0

	  	
903230.61

	
0.051500

	
4955.19

	
20110901

	
0

	
0

	
272

	
1

	
0

	
0

	  	
1992760.60

	
0.050000

	
10736.44

	
20110901

	
0

	
0

	
273

	
1

	
0

	
0

	  	
940387.54

	
0.049500

	
5044.13

	
20110901

	
0

	
0

	
274

	
1

	
0

	
0

	  	
553081.79

	
0.052500

	
3064.74

	
20110901

	
0

	
0

	
275

	
1

	
0

	
0

	  	
1409971.72

	
0.051000

	
7682.74

	
20110901

	
0

	
0

	
276

	
1

	
0

	
0

	  	
1646206.48

	
0.052500

	
9111.37

	
20110901

	
0

	
0

	
277

	
1

	
0

	
0

	  	
1283506.93

	
0.052000

	
7072.55

	
20110901

	
0

	
0

	
278

	
1

	
0

	
0

	  	
1197136.83

	
0.050500

	
6478.58

	
20110901

	
0

	
0

	
279

	
1

	
0

	
0

	  	
1096162.77

	
0.052000

	
6040.22

	
20110901

	
0

	
0

	
280

	
1

	
0

	
0

	  	
1011225.92

	
0.051500

	
5534.53

	
20110901

	
0

	
0

	
281

	
1

	
0

	
0

	  	
917865.06

	
0.052000

	
5051.83

	
20110901

	
0

	
0

	
282

	
1

	
0

	
0

	  	
586648.13

	
0.052500

	
3246.96

	
20110901

	
0

	
0

	
283

	
1

	
0

	
0

	  	
1720959.68

	
0.051500

	
9418.96

	
20110901

	
0

	
0

	
284

	
1

	
0

	
0

	  	
2393563.05

	
0.050000

	
13420.55

	
20110901

	
0

	
0

	
285

	
1

	
0

	
0

	  	
1097447.38

	
0.052000

	
6040.22

	
20110901

	
0

	
0

	
286

	
1

	
0

	
0

	  	
805066.83

	
0.052000

	
4425.84

	
20110901

	
0

	
0

	
287

	
1

	
0

	
0

	  	
594311.12

	
0.052000

	
3267.21

	
20110901

	
0

	
0

	
288

	
1

	
0

	
0

	  	
1095174.60

	
0.049000

	
6899.45

	
20110901

	
0

	
0

	
289

	
1

	
0

	
0

	  	
1097276.93

	
0.048500

	
5804.62

	
20110901

	
0

	
0

	
290

	
1

	
0

	
0

	  	
1695830.12

	
0.049000

	
9022.36

	
20110901

	
0

	
0

	
291

	
1

	
0

	
0

	  	
768162.80

	
0.050500

	
4157.09

	
20110901

	
0

	
0

	
292

	
1

	
0

	
0

	  	
998809.51

	
0.050500

	
5398.82

	
20110901

	
0

	
0

	
293

	
1

	
0

	
0

	  	
479953.20

	
0.051500

	
2626.83

	
20110901

	
0

	
0

	
294

	
1

	
0

	
0

	  	
773167.87

	
0.051000

	
4207.87

	
20110901

	
0

	
0

	
295

	
1

	
0

	
0

	  	
498817.99

	
0.051000

	
2714.75

	
20110901

	
0

	
0

	
296

	
1

	
0

	
0

	  	
2494089.97

	
0.051000

	
13573.75

	
20110901

	
0

	
0

	
297

	
1

	
0

	
0

	  	
1444513.05

	
0.050000

	
7773.18

	
20110901

	
0

	
0

	
298

	
1

	
0

	
0

	  	
1578066.18

	
0.049000

	
8385.49

	
20110901

	
0

	
0

	
299

	
1

	
0

	
0

	  	
998776.06

	
0.049000

	
5307.27

	
20110901

	
0

	
0

	
300

	
1

	
120

	
0

	  	
1462500.00

	
0.049000

	
5971.87

	
20110901

	
0

	
0

	
301

	
1

	
0

	
0

	  	
1003758.57

	
0.048500

	
5303.31

	
20110901

	
0

	
0

	
302

	
1

	
0

	
0

	  	
1094680.04

	
0.050000

	
5905.04

	
20110901

	
0

	
0

	
303

	
1

	
0

	
0

	  	
995704.56

	
0.055000

	
5464.55

	
20110901

	
0

	
0

	
304

	
1

	
0

	
0

	  	
852895.47

	
0.051250

	
4504.59

	
20110901

	
0

	
0

	
305

	
1

	
0

	
0

	  	
948201.94

	
0.053750

	
5135.96

	
20110901

	
0

	
0

	
306

	
1

	
0

	
0

	  	
885138.64

	
0.056250

	
4927.23

	
20110901

	
0

	
0

	
307

	
1

	
0

	
0

	  	
1149250.16

	
0.047500

	
5817.11

	
20110901

	
0

	
0

	
308

	
1

	
0

	
0

	  	
741397.95

	
0.051250

	
4095.98

	
20110901

	
0

	
0

	
309

	
1

	
0

	
0

	  	
988524.78

	
0.051250

	
5228.01

	
20110901

	
0

	
0

	
310

	
1

	
0

	
0

	  	
1437363.49

	
0.047500

	
7275.44

	
20110901

	
0

	
0

	
311

	
1

	
0

	
0

	  	
772897.16

	
0.053750

	
4206.58

	
20110901

	
0

	
0

	
312

	
1

	
0

	
0

	  	
614009.15

	
0.053750

	
3329.77

	
20110901

	
0

	
0

	
313

	
1

	
0

	
0

	  	
929896.24

	
0.051250

	
4924.21

	
20110901

	
0

	
0

	
314

	
1

	
0

	
0

	  	
889846.11

	
0.050000

	
4632.30

	
20110901

	
0

	
0

	
315

	
1

	
0

	
0

	  	
497636.82

	
0.051250

	
2618.65

	
20110901

	
0

	
0

	
316

	
1

	
0

	
0

	  	
611692.82

	
0.047500

	
3096.19

	
20110901

	
0

	
0

	
317

	
1

	
0

	
0

	  	
628339.60

	
0.048750

	
3227.71

	
20110901

	
0

	
0

	
318

	
1

	
0

	
0

	  	
1041052.52

	
0.048750

	
5335.56

	
20110901

	
0

	
0

	
319

	
1

	
0

	
0

	  	
1379874.06

	
0.050000

	
7174.00

	
20110901

	
0

	
0

	
320

	
1

	
0

	
0

	  	
614737.26

	
0.047500

	
3103.17

	
20110901

	
0

	
0

	
321

	
1

	
0

	
0

	  	
748636.86

	
0.053750

	
4099.48

	
20110901

	
0

	
0

	
322

	
1

	
0

	
0

	  	
496188.03

	
0.047500

	
2504.73

	
20110901

	
0

	
0

	
323

	
1

	
0

	
0

	  	
1288211.19

	
0.047500

	
6485.40

	
20110901

	
0

	
0

	
324

	
1

	
0

	
0

	  	
692065.41

	
0.053750

	
3753.06

	
20110901

	
0

	
0

	
325

	
1

	
0

	
0

	  	
576767.58

	
0.053750

	
3124.08

	
20110901

	
0

	
0

	
326

	
1

	
0

	
0

	  	
664135.18

	
0.052500

	
3550.21

	
20110901

	
0

	
0

	
327

	
1

	
0

	
0

	  	
796390.08

	
0.053750

	
4313.67

	
20110901

	
0

	
0

	
328

	
1

	
0

	
0

	  	
1789343.01

	
0.051250

	
9427.54

	
20110901

	
0

	
0

	
329

	
1

	
0

	
0

	  	
662312.53

	
0.053750

	
3591.71

	
20110901

	
0

	
0

	
330

	
1

	
0

	
0

	  	
970200.38

	
0.052500

	
5209.11

	
20110901

	
0

	
0

	
331

	
1

	
0

	
0

	  	
446940.40

	
0.053750

	
2426.66

	
20110901

	
0

	
0

	
332

	
1

	
0

	
0

	  	
870570.27

	
0.047500

	
4382.82

	
20110901

	
0

	
0

	
333

	
1

	
0

	
0

	  	
1212679.58

	
0.052500

	
6497.65

	
20110901

	
0

	
0

	
334

	
1

	
0

	
0

	  	
618991.78

	
0.050000

	
3209.92

	
20110901

	
0

	
0

	
335

	
1

	
0

	
0

	  	
895843.46

	
0.052500

	
4782.99

	
20110901

	
0

	
0

	
336

	
1

	
0

	
0

	  	
890020.73

	
0.052500

	
4757.69

	
20110901

	
0

	
0

	
337

	
1

	
0

	
0

	  	
570298.95

	
0.051250

	
3022.74

	
20110901

	
0

	
0

	
338

	
1

	
0

	
0

	  	
759680.95

	
0.053750

	
4119.74

	
20110901

	
0

	
0

	
339

	
1

	
0

	
0

	  	
758270.88

	
0.048750

	
3879.69

	
20110901

	
0

	
0

	
340

	
1

	
0

	
0

	  	
1488715.44

	
0.051250

	
7824.12

	
20110901

	
0

	
0

	
341

	
1

	
0

	
0

	  	
617857.14

	
0.052500

	
3294.80

	
20110901

	
0

	
0

	
342

	
1

	
0

	
0

	  	
569765.78

	
0.045000

	
2783.44

	
20110901

	
0

	
0

	
343

	
1

	
0

	
0

	  	
522852.52

	
0.053750

	
2961.69

	
20110901

	
0

	
0

	
344

	
1

	
0

	
0

	  	
545536.72

	
0.050000

	
2968.63

	
20110901

	
0

	
0

	
345

	
1

	
0

	
0

	  	
450289.48

	
0.048750

	
2413.19

	
20110901

	
0

	
0

	
346

	
1

	
0

	
0

	  	
691414.10

	
0.049900

	
3753.48

	
20110901

	
0

	
0

	
347

	
1

	
0

	
0

	  	
530413.34

	
0.049900

	
2879.46

	
20110901

	
0

	
0

	
348

	
1

	
0

	
0

	  	
513955.89

	
0.049900

	
2793.66

	
20110901

	
0

	
0

	
349

	
1

	
0

	
0

	  	
655703.16

	
0.053750

	
3727.54

	
20110901

	
0

	
0

	
350

	
1

	
0

	
0

	  	
584982.46

	
0.049900

	
3179.73

	
20110901

	
0

	
0

	
351

	
1

	
0

	
0

	  	
740800.87

	
0.049900

	
4021.58

	
20110901

	
0

	
0

	
352

	
1

	
0

	
0

	  	
589920.22

	
0.049900

	
3211.91

	
20110901

	
0

	
0

	
353

	
1

	
0

	
0

	  	
591345.43

	
0.051250

	
3266.93

	
20110901

	
0

	
0

	
354

	
1

	
0

	
0

	  	
661136.04

	
0.051250

	
3634.46

	
20110901

	
0

	
0

	
355

	
1

	
0

	
0

	  	
919755.18

	
0.049900

	
4986.76

	
20110901

	
0

	
0

	
356

	
1

	
0

	
0

	  	
790187.55

	
0.049900

	
4289.69

	
20110901

	
0

	
0

	
357

	
1

	
0

	
0

	  	
743715.98

	
0.049900

	
4032.31

	
20110901

	
0

	
0

	
358

	
1

	
0

	
0

	  	
642352.54

	
0.046250

	
3341.91

	
20110901

	
0

	
0

	
359

	
1

	
0

	
0

	  	
732966.79

	
0.046250

	
3830.34

	
20110901

	
0

	
0

	
360

	
1

	
0

	
0

	  	
607123.06

	
0.047500

	
3208.14

	
20110901

	
0

	
0

	
361

	
1

	
0

	
0

	  	
919518.87

	
0.047500

	
4846.11

	
20110901

	
0

	
0

	
362

	
1

	
0

	
0

	  	
627282.08

	
0.047500

	
3305.95

	
20110901

	
0

	
0

	
363

	
1

	
0

	
0

	  	
716845.35

	
0.048750

	
3836.76

	
20110901

	
0

	
0

	
364

	
1

	
0

	
0

	  	
806821.79

	
0.048750

	
4318.34

	
20110901

	
0

	
0

	
365

	
1

	
0

	
0

	  	
534568.84

	
0.048750

	
2861.17

	
20110901

	
0

	
0

	
366

	
1

	
0

	
0

	  	
968977.08

	
0.048750

	
5186.25

	
20110901

	
0

	
0

	
367

	
1

	
0

	
0

	  	
823630.55

	
0.048750

	
4408.31

	
20110901

	
0

	
0

	
368

	
1

	
0

	
0

	  	
791001.73

	
0.048750

	
4233.67

	
20110901

	
0

	
0

	
369

	
1

	
0

	
0

	  	
538869.91

	
0.048750

	
2884.19

	
20110901

	
0

	
0

	
370

	
1

	
0

	
0

	  	
884652.29

	
0.048750

	
4919.00

	
20110901

	
0

	
0

	
371

	
1

	
0

	
0

	  	
890073.92

	
0.048750

	
4789.34

	
20110901

	
0

	
0

	
372

	
1

	
0

	
0

	  	
693015.61

	
0.048750

	
3704.46

	
20110901

	
0

	
0

	
373

	
1

	
0

	
0

	  	
631064.81

	
0.048750

	
3394.88

	
20110901

	
0

	
0

	
374

	
1

	
0

	
0

	  	
840703.96

	
0.049900

	
4552.43

	
20110901

	
0

	
0

	
375

	
1

	
0

	
0

	  	
613170.09

	
0.049900

	
3324.51

	
20110901

	
0

	
0

	
376

	
1

	
0

	
0

	  	
839524.86

	
0.049900

	
4557.53

	
20110901

	
0

	
0

	
377

	
1

	
0

	
0

	  	
642027.40

	
0.049900

	
3485.37

	
20110901

	
0

	
0

	
378

	
1

	
0

	
0

	  	
578318.46

	
0.049900

	
3139.52

	
20110901

	
0

	
0

	
379

	
1

	
0

	
0

	  	
963041.06

	
0.049900

	
5228.06

	
20110901

	
0

	
0

	
380

	
1

	
0

	
0

	  	
991467.70

	
0.049900

	
5362.11

	
20110901

	
0

	
0

	
381

	
1

	
0

	
0

	  	
900279.72

	
0.051250

	
5021.08

	
20110901

	
0

	
0

	
382

	
1

	
0

	
0

	  	
943273.54

	
0.051250

	
5198.22

	
20110901

	
0

	
0

	
383

	
1

	
0

	
0

	  	
884898.86

	
0.050000

	
4791.13

	
20110901

	
0

	
0

	
384

	
1

	
0

	
0

	  	
464192.63

	
0.052500

	
2584.31

	
20110901

	
0

	
0

	
385

	
1

	
0

	
0

	  	
743756.78

	
0.051250

	
4083.65

	
20110901

	
0

	
0

	
386

	
1

	
0

	
0

	  	
693024.39

	
0.051250

	
3811.41

	
20110901

	
0

	
0

	
387

	
1

	
0

	
0

	  	
863380.75

	
0.051250

	
4764.26

	
20110901

	
0

	
0

	
388

	
1

	
0

	
0

	  	
933311.32

	
0.047500

	
4912.37

	
20110901

	
0

	
0

	
389

	
1

	
0

	
0

	  	
595997.07

	
0.051250

	
3272.37

	
20110901

	
0

	
0

	
390

	
1

	
0

	
0

	  	
772807.56

	
0.048750

	
4125.71

	
20110901

	
0

	
0

	
391

	
1

	
0

	
0

	  	
983427.70

	
0.051250

	
5444.87

	
20110901

	
0

	
0

	
392

	
1

	
0

	
0

	  	
952008.64

	
0.051250

	
5227.08

	
20110901

	
0

	
0

	
393

	
1

	
0

	
0

	  	
477800.52

	
0.048750

	
2550.78

	
20110901

	
0

	
0

	
394

	
1

	
0

	
0

	  	
1013424.58

	
0.050000

	
5503.50

	
20110901

	
0

	
0

	
395

	
1

	
0

	
0

	  	
930011.30

	
0.050000

	
5035.39

	
20110901

	
0

	
0

	
396

	
1

	
0

	
0

	  	
782959.34

	
0.047500

	
4121.01

	
20110901

	
0

	
0

	
397

	
1

	
0

	
0

	  	
984150.03

	
0.048750

	
5253.98

	
20110901

	
0

	
0

	
398

	
1

	
0

	
0

	  	
493661.07

	
0.048750

	
2635.46

	
20110901

	
0

	
0

	
399

	
1

	
0

	
0

	  	
783117.02

	
0.048750

	
4180.74

	
20110901

	
0

	
0

	
400

	
1

	
0

	
0

	  	
728687.50

	
0.050000

	
3959.06

	
20110901

	
0

	
0

	
401

	
1

	
0

	
0

	  	
747578.43

	
0.050000

	
4047.63

	
20110901

	
0

	
0

	
402

	
1

	
0

	
0

	  	
906186.24

	
0.051250

	
5009.28

	
20110901

	
0

	
0

	
403

	
1

	
0

	
0

	  	
753378.36

	
0.048750

	
4021.98

	
20110901

	
0

	
0

	
404

	
1

	
0

	
0

	  	
538169.89

	
0.048750

	
2873.07

	
20110901

	
0

	
0

	
405

	
1

	
0

	
0

	  	
680157.51

	
0.050000

	
3682.60

	
20110901

	
0

	
0

	
406

	
1

	
0

	
0

	  	
879368.42

	
0.050000

	
4938.76

	
20110901

	
0

	
0

	
407

	
1

	
0

	
0

	  	
631152.61

	
0.048750

	
3369.47

	
20110901

	
0

	
0

	
408

	
1

	
0

	
0

	  	
987517.38

	
0.050000

	
5346.74

	
20110901

	
0

	
0

	
409

	
1

	
0

	
0

	  	
1332323.16

	
0.053750

	
7520.41

	
20110901

	
0

	
0

	
410

	
1

	
120

	
0

	  	
1100000.00

	
0.050000

	
4583.33

	
20110901

	
0

	
0

	
411

	
1

	
0

	
0

	  	
728596.18

	
0.048750

	
3889.68

	
20110901

	
0

	
0

	
412

	
1

	
0

	
0

	  	
541349.86

	
0.050000

	
2931.05

	
20110901

	
0

	
0

	
413

	
1

	
0

	
0

	  	
887549.75

	
0.051250

	
4873.16

	
20110901

	
0

	
0

	
414

	
1

	
0

	
0

	  	
663666.84

	
0.048750

	
3543.05

	
20110901

	
0

	
0

	
415

	
1

	
0

	
0

	  	
600930.29

	
0.051250

	
3310.48

	
20110901

	
0

	
0

	
416

	
1

	
0

	
0

	  	
702965.00

	
0.048750

	
3779.98

	
20110901

	
0

	
0

	
417

	
1

	
0

	
0

	  	
725906.63

	
0.051250

	
3985.64

	
20110901

	
0

	
0

	
418

	
1

	
0

	
0

	  	
403674.13

	
0.052000

	
2240.38

	
20110901

	
0

	
0

	
419

	
1

	
0

	
0

	  	
846164.46

	
0.053750

	
4583.27

	
20110901

	
0

	
0

	
420

	
1

	
0

	
0

	  	
992547.12

	
0.048750

	
5085.05

	
20110901

	
0

	
0

	
421

	
1

	
0

	
0

	  	
494947.53

	
0.047500

	
2498.47

	
20110901

	
0

	
0

	
422

	
1

	
0

	
0

	  	
546743.70

	
0.051250

	
2880.63

	
20110901

	
0

	
0

	
423

	
1

	
0

	
0

	  	
842488.32

	
0.047500

	
4247.83

	
20110901

	
0

	
0

	
424

	
1

	
0

	
0

	  	
904487.19

	
0.050000

	
4696.41

	
20110901

	
0

	
0

	
425

	
1

	
0

	
0

	  	
506560.06

	
0.052500

	
2707.38

	
20110901

	
0

	
0

	
426

	
1

	
0

	
0

	  	
474507.37

	
0.047500

	
2500.78

	
20110901

	
0

	
0

	
427

	
1

	
0

	
0

	  	
1397235.07

	
0.051250

	
7712.34

	
20110901

	
0

	
0

	
428

	
1

	
0

	
0

	  	
548738.70

	
0.052500

	
3058.66

	
20110901

	
0

	
0

	
429

	
1

	
0

	
0

	  	
1015448.99

	
0.052500

	
5660.09

	
20110901

	
0

	
0

	
430

	
1

	
0

	
0

	  	
609996.68

	
0.052500

	
3396.06

	
20110901

	
0

	
0

	
431

	
1

	
0

	
0

	  	
872332.78

	
0.048750

	
4657.04

	
20110901

	
0

	
0

	
432

	
1

	
0

	
0

	  	
811631.33

	
0.047500

	
4277.51

	
20110901

	
0

	
0

	
433

	
1

	
0

	
0

	  	
988114.43

	
0.047500

	
5200.83

	
20110901

	
0

	
0

	
434

	
1

	
0

	
0

	  	
567097.82

	
0.050000

	
3074.29

	
20110901

	
0

	
0

	
435

	
1

	
0

	
0

	  	
736030.77

	
0.048750

	
3929.38

	
20110901

	
0

	
0

	
436

	
1

	
0

	
0

	  	
655143.67

	
0.047500

	
3463.74

	
20110901

	
0

	
0

	
437

	
1

	
0

	
0

	  	
1429015.49

	
0.047500

	
7531.29

	
20110901

	
0

	
0

	
438

	
1

	
0

	
0

	  	
1093722.66

	
0.047500

	
5764.21

	
20110901

	
0

	
0

	
439

	
1

	
0

	
0

	  	
642109.96

	
0.051250

	
3525.56

	
20110901

	
0

	
0

	
440

	
1

	
0

	
0

	  	
546366.42

	
0.047500

	
2879.50

	
20110901

	
0

	
0

	
441

	
1

	
0

	
0

	  	
804427.43

	
0.048750

	
4294.52

	
20110901

	
0

	
0

	
442

	
1

	
0

	
0

	  	
542532.15

	
0.048750

	
2900.07

	
20110901

	
0

	
0

	
443

	
1

	
0

	
0

	  	
824062.23

	
0.050000

	
4543.66

	
20110901

	
0

	
0

	
444

	
1

	
0

	
0

	  	
917238.45

	
0.047500

	
4840.89

	
20110901

	
0

	
0

	
445

	
1

	
0

	
0

	  	
554666.58

	
0.047500

	
2921.23

	
20110901

	
0

	
0

	
446

	
1

	
0

	
0

	  	
1238281.66

	
0.048750

	
6615.11

	
20110901

	
0

	
0

	
447

	
1

	
0

	
0

	  	
990021.33

	
0.048750

	
5292.08

	
20110901

	
0

	
0

	
448

	
1

	
0

	
0

	  	
951444.20

	
0.047500

	
5007.82

	
20110901

	
0

	
0

	
449

	
1

	
0

	
0

	  	
922702.66

	
0.047500

	
4856.54

	
20110901

	
0

	
0

	
450

	
1

	
0

	
0

	  	
555891.44

	
0.053750

	
3141.44

	
20110901

	
0

	
0

	
451

	
1

	
0

	
0

	  	
550566.86

	
0.048750

	
2977.97

	
20110901

	
0

	
0

	
452

	
1

	
0

	
0

	  	
892334.91

	
0.050000

	
4831.40

	
20110901

	
0

	
0

	
453

	
1

	
0

	
0

	  	
547057.70

	
0.048750

	
2920.53

	
20110901

	
0

	
0

	
454

	
1

	
0

	
0

	  	
571094.32

	
0.050000

	
3092.10

	
20110901

	
0

	
0

	
455

	
1

	
0

	
0

	  	
1089392.23

	
0.050000

	
5898.33

	
20110901

	
0

	
0

	
456

	
1

	
0

	
0

	  	
737806.67

	
0.051250

	
4050.99

	
20110901

	
0

	
0

	
457

	
1

	
0

	
0

	  	
336496.18

	
0.047500

	
1755.57

	
20110901

	
0

	
0

	
458

	
1

	
0

	
0

	  	
941758.21

	
0.048500

	
4843.00

	
20110901

	
0

	
0

	
459

	
1

	
0

	
0

	  	
1342210.35

	
0.044500

	
6583.15

	
20110901

	
0

	
0

	
460

	
1

	
0

	
0

	  	
1484075.81

	
0.048000

	
7855.82

	
20110901

	
0

	
0

	
461

	
1

	
0

	
0

	  	
719586.15

	
0.041000

	
3522.52

	
20110901

	
0

	
0

	
462

	
1

	
0

	
0

	  	
989230.13

	
0.044500

	
4830.82

	
20110901

	
0

	
0

	
463

	
1

	
0

	
0

	  	
840236.61

	
0.046250

	
4361.19

	
20110901

	
0

	
0

	
464

	
1

	
0

	
0

	  	
460309.30

	
0.053750

	
2620.67

	
20110901

	
0

	
0

	
465

	
1

	
0

	
0

	  	
998797.44

	
0.050000

	
5368.22

	
20110901

	
0

	
0

	
466

	
1

	
0

	
0

	  	
1129730.20

	
0.053500

	
6351.96

	
20110901

	
0

	
0

	
467

	
1

	
0

	
0

	  	
847034.84

	
0.052000

	
4667.45

	
20110901

	
0

	
0

	
468

	
1

	
0

	
0

	  	
1544337.64

	
0.049500

	
8273.44

	
20110901

	
0

	
0

	
469

	
1

	
0

	
0

	  	
997547.13

	
0.049000

	
5307.27

	
20110901

	
0

	
0

	
470

	
1

	
0

	
0

	  	
1068737.93

	
0.051000

	
5809.57

	
20110901

	
0

	
0

	
471

	
1

	
0

	
0

	  	
998730.29

	
0.047000

	
5186.38

	
20110901

	
0

	
0

	
472

	
1

	
120

	
0

	  	
999999.00

	
0.050000

	
4166.66

	
20110901

	
0

	
0

	
473

	
1

	
0

	
0

	  	
1474044.21

	
0.048750

	
7869.33

	
20110901

	
0

	
0

 

	
KEY

	
ARM 

Look-back

Days

	
Gross 

Margin

	
ARM Round 

Flag

	
ARM Round 

Factor

	
Initial 

Fixed Rate

Period

	
Initial 

Interest 

Rate Cap 

(Change Up)

	
Initial 

Interest 

Rate Cap 

(Change Down)

	
Subsequent Interest

Rate Reset Period

	
Subsequent Interest

Rate Cap (Change Down)

	
Subsequent Interest

Rate Cap (Change

Up)

	
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

	  	  	  	  	  	  	  	  	  	  
	
85

	  	  	  	  	  	  	  	  	  	  
	
86

	  	  	  	  	  	  	  	  	  	  
	
87

	  	  	  	  	  	  	  	  	  	  
	
88

	  	  	  	  	  	  	  	  	  	  
	
89

	  	  	  	  	  	  	  	  	  	  
	
90

	  	  	  	  	  	  	  	  	  	  
	
91

	  	  	  	  	  	  	  	  	  	  
	
92

	  	  	  	  	  	  	  	  	  	  
	
93

	  	  	  	  	  	  	  	  	  	  
	
94

	  	  	  	  	  	  	  	  	  	  
	
95

	  	  	  	  	  	  	  	  	  	  
	
96

	  	  	  	  	  	  	  	  	  	  
	
97

	  	  	  	  	  	  	  	  	  	  
	
98

	  	  	  	  	  	  	  	  	  	  
	
99

	  	  	  	  	  	  	  	  	  	  
	
100

	  	  	  	  	  	  	  	  	  	  
	
101

	  	  	  	  	  	  	  	  	  	  
	
102

	  	  	  	  	  	  	  	  	  	  
	
103

	  	  	  	  	  	  	  	  	  	  
	
104

	  	  	  	  	  	  	  	  	  	  
	
105

	  	  	  	  	  	  	  	  	  	  
	
106

	  	  	  	  	  	  	  	  	  	  
	
107

	  	  	  	  	  	  	  	  	  	  
	
108

	  	  	  	  	  	  	  	  	  	  
	
109

	  	  	  	  	  	  	  	  	  	  
	
110

	  	  	  	  	  	  	  	  	  	  
	
111

	  	  	  	  	  	  	  	  	  	  
	
112

	  	  	  	  	  	  	  	  	  	  
	
113

	  	  	  	  	  	  	  	  	  	  
	
114

	  	  	  	  	  	  	  	  	  	  
	
115

	  	  	  	  	  	  	  	  	  	  
	
116

	  	  	  	  	  	  	  	  	  	  
	
117

	  	  	  	  	  	  	  	  	  	  
	
118

	  	  	  	  	  	  	  	  	  	  
	
119

	  	  	  	  	  	  	  	  	  	  
	
120

	  	  	  	  	  	  	  	  	  	  
	
121

	  	  	  	  	  	  	  	  	  	  
	
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187

	  	  	  	  	  	  	  	  	  	  
	
188

	  	  	  	  	  	  	  	  	  	  
	
189

	  	  	  	  	  	  	  	  	  	  
	
190

	  	  	  	  	  	  	  	  	  	  
	
191

	  	  	  	  	  	  	  	  	  	  
	
192

	  	  	  	  	  	  	  	  	  	  
	
193

	  	  	  	  	  	  	  	  	  	  
	
194

	  	  	  	  	  	  	  	  	  	  
	
195

	  	  	  	  	  	  	  	  	  	  
	
196

	  	  	  	  	  	  	  	  	  	  
	
197

	  	  	  	  	  	  	  	  	  	  
	
198

	  	  	  	  	  	  	  	  	  	  
	
199

	  	  	  	  	  	  	  	  	  	  
	
200

	  	  	  	  	  	  	  	  	  	  
	
201

	  	  	  	  	  	  	  	  	  	  
	
202

	  	  	  	  	  	  	  	  	  	  
	
203

	  	  	  	  	  	  	  	  	  	  
	
204

	  	  	  	  	  	  	  	  	  	  
	
205

	  	  	  	  	  	  	  	  	  	  
	
206

	  	  	  	  	  	  	  	  	  	  
	
207

	  	  	  	  	  	  	  	  	  	  
	
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213

	  	  	  	  	  	  	  	  	  	  
	
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215

	  	  	  	  	  	  	  	  	  	  
	
216

	  	  	  	  	  	  	  	  	  	  
	
217

	  	  	  	  	  	  	  	  	  	  
	
218

	  	  	  	  	  	  	  	  	  	  
	
219

	  	  	  	  	  	  	  	  	  	  
	
220

	  	  	  	  	  	  	  	  	  	  
	
221

	  	  	  	  	  	  	  	  	  	  
	
222

	  	  	  	  	  	  	  	  	  	  
	
223

	  	  	  	  	  	  	  	  	  	  
	
224

	  	  	  	  	  	  	  	  	  	  
	
225

	  	  	  	  	  	  	  	  	  	  
	
226

	  	  	  	  	  	  	  	  	  	  
	
227

	  	  	  	  	  	  	  	  	  	  
	
228

	  	  	  	  	  	  	  	  	  	  
	
229

	  	  	  	  	  	  	  	  	  	  
	
230

	  	  	  	  	  	  	  	  	  	  
	
231

	  	  	  	  	  	  	  	  	  	  
	
232

	  	  	  	  	  	  	  	  	  	  
	
233

	  	  	  	  	  	  	  	  	  	  
	
234

	  	  	  	  	  	  	  	  	  	  
	
235

	  	  	  	  	  	  	  	  	  	  
	
236

	  	  	  	  	  	  	  	  	  	  
	
237

	  	  	  	  	  	  	  	  	  	  
	
238

	  	  	  	  	  	  	  	  	  	  
	
239

	  	  	  	  	  	  	  	  	  	  
	
240

	  	  	  	  	  	  	  	  	  	  
	
241

	  	  	  	  	  	  	  	  	  	  
	
242

	  	  	  	  	  	  	  	  	  	  
	
243

	  	  	  	  	  	  	  	  	  	  
	
244

	  	  	  	  	  	  	  	  	  	  
	
245

	  	  	  	  	  	  	  	  	  	  
	
246

	  	  	  	  	  	  	  	  	  	  
	
247

	  	  	  	  	  	  	  	  	  	  
	
248

	  	  	  	  	  	  	  	  	  	  
	
249

	  	  	  	  	  	  	  	  	  	  
	
250

	  	  	  	  	  	  	  	  	  	  
	
251

	  	  	  	  	  	  	  	  	  	  
	
252

	  	  	  	  	  	  	  	  	  	  
	
253

	  	  	  	  	  	  	  	  	  	  
	
254

	  	  	  	  	  	  	  	  	  	  
	
255

	  	  	  	  	  	  	  	  	  	  
	
256

	  	  	  	  	  	  	  	  	  	  
	
257

	  	  	  	  	  	  	  	  	  	  
	
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259

	  	  	  	  	  	  	  	  	  	  
	
260

	  	  	  	  	  	  	  	  	  	  
	
261

	  	  	  	  	  	  	  	  	  	  
	
262

	  	  	  	  	  	  	  	  	  	  
	
263

	  	  	  	  	  	  	  	  	  	  
	
264

	  	  	  	  	  	  	  	  	  	  
	
265

	  	  	  	  	  	  	  	  	  	  
	
266

	  	  	  	  	  	  	  	  	  	  
	
267

	  	  	  	  	  	  	  	  	  	  
	
268

	  	  	  	  	  	  	  	  	  	  
	
269

	  	  	  	  	  	  	  	  	  	  
	
270

	  	  	  	  	  	  	  	  	  	  
	
271

	  	  	  	  	  	  	  	  	  	  
	
272

	  	  	  	  	  	  	  	  	  	  
	
273

	  	  	  	  	  	  	  	  	  	  
	
274

	  	  	  	  	  	  	  	  	  	  
	
275

	  	  	  	  	  	  	  	  	  	  
	
276

	  	  	  	  	  	  	  	  	  	  
	
277

	  	  	  	  	  	  	  	  	  	  
	
278

	  	  	  	  	  	  	  	  	  	  
	
279

	  	  	  	  	  	  	  	  	  	  
	
280

	  	  	  	  	  	  	  	  	  	  
	
281

	  	  	  	  	  	  	  	  	  	  
	
282

	  	  	  	  	  	  	  	  	  	  
	
283

	  	  	  	  	  	  	  	  	  	  
	
284

	  	  	  	  	  	  	  	  	  	  
	
285

	  	  	  	  	  	  	  	  	  	  
	
286

	  	  	  	  	  	  	  	  	  	  
	
287

	  	  	  	  	  	  	  	  	  	  
	
288

	  	  	  	  	  	  	  	  	  	  
	
289

	  	  	  	  	  	  	  	  	  	  
	
290

	  	  	  	  	  	  	  	  	  	  
	
291

	  	  	  	  	  	  	  	  	  	  
	
292

	  	  	  	  	  	  	  	  	  	  
	
293

	  	  	  	  	  	  	  	  	  	  
	
294

	  	  	  	  	  	  	  	  	  	  
	
295

	  	  	  	  	  	  	  	  	  	  
	
296

	  	  	  	  	  	  	  	  	  	  
	
297

	  	  	  	  	  	  	  	  	  	  
	
298

	  	  	  	  	  	  	  	  	  	  
	
299

	  	  	  	  	  	  	  	  	  	  
	
300

	  	  	  	  	  	  	  	  	  	  
	
301

	  	  	  	  	  	  	  	  	  	  
	
302

	  	  	  	  	  	  	  	  	  	  
	
303

	  	  	  	  	  	  	  	  	  	  
	
304

	  	  	  	  	  	  	  	  	  	  
	
305

	  	  	  	  	  	  	  	  	  	  
	
306

	  	  	  	  	  	  	  	  	  	  
	
307

	  	  	  	  	  	  	  	  	  	  
	
308

	  	  	  	  	  	  	  	  	  	  
	
309

	  	  	  	  	  	  	  	  	  	  
	
310

	  	  	  	  	  	  	  	  	  	  
	
311

	  	  	  	  	  	  	  	  	  	  
	
312

	  	  	  	  	  	  	  	  	  	  
	
313

	  	  	  	  	  	  	  	  	  	  
	
314

	  	  	  	  	  	  	  	  	  	  
	
315

	  	  	  	  	  	  	  	  	  	  
	
316

	  	  	  	  	  	  	  	  	  	  
	
317

	  	  	  	  	  	  	  	  	  	  
	
318

	  	  	  	  	  	  	  	  	  	  
	
319

	  	  	  	  	  	  	  	  	  	  
	
320

	  	  	  	  	  	  	  	  	  	  
	
321

	  	  	  	  	  	  	  	  	  	  
	
322

	  	  	  	  	  	  	  	  	  	  
	
323

	  	  	  	  	  	  	  	  	  	  
	
324

	  	  	  	  	  	  	  	  	  	  
	
325

	  	  	  	  	  	  	  	  	  	  
	
326

	  	  	  	  	  	  	  	  	  	  
	
327

	  	  	  	  	  	  	  	  	  	  
	
328

	  	  	  	  	  	  	  	  	  	  
	
329

	  	  	  	  	  	  	  	  	  	  
	
330

	  	  	  	  	  	  	  	  	  	  
	
331

	  	  	  	  	  	  	  	  	  	  
	
332

	  	  	  	  	  	  	  	  	  	  
	
333

	  	  	  	  	  	  	  	  	  	  
	
334

	  	  	  	  	  	  	  	  	  	  
	
335

	  	  	  	  	  	  	  	  	  	  
	
336

	  	  	  	  	  	  	  	  	  	  
	
337

	  	  	  	  	  	  	  	  	  	  
	
338

	  	  	  	  	  	  	  	  	  	  
	
339

	  	  	  	  	  	  	  	  	  	  
	
340

	  	  	  	  	  	  	  	  	  	  
	
341

	  	  	  	  	  	  	  	  	  	  
	
342

	  	  	  	  	  	  	  	  	  	  
	
343

	  	  	  	  	  	  	  	  	  	  
	
344

	  	  	  	  	  	  	  	  	  	  
	
345

	  	  	  	  	  	  	  	  	  	  
	
346

	  	  	  	  	  	  	  	  	  	  
	
347

	  	  	  	  	  	  	  	  	  	  
	
348

	  	  	  	  	  	  	  	  	  	  
	
349

	  	  	  	  	  	  	  	  	  	  
	
350

	  	  	  	  	  	  	  	  	  	  
	
351

	  	  	  	  	  	  	  	  	  	  
	
352

	  	  	  	  	  	  	  	  	  	  
	
353

	  	  	  	  	  	  	  	  	  	  
	
354

	  	  	  	  	  	  	  	  	  	  
	
355

	  	  	  	  	  	  	  	  	  	  
	
356

	  	  	  	  	  	  	  	  	  	  
	
357

	  	  	  	  	  	  	  	  	  	  
	
358

	  	  	  	  	  	  	  	  	  	  
	
359

	  	  	  	  	  	  	  	  	  	  
	
360

	  	  	  	  	  	  	  	  	  	  
	
361

	  	  	  	  	  	  	  	  	  	  
	
362

	  	  	  	  	  	  	  	  	  	  
	
363

	  	  	  	  	  	  	  	  	  	  
	
364

	  	  	  	  	  	  	  	  	  	  
	
365

	  	  	  	  	  	  	  	  	  	  
	
366

	  	  	  	  	  	  	  	  	  	  
	
367

	  	  	  	  	  	  	  	  	  	  
	
368

	  	  	  	  	  	  	  	  	  	  
	
369

	  	  	  	  	  	  	  	  	  	  
	
370

	  	  	  	  	  	  	  	  	  	  
	
371

	  	  	  	  	  	  	  	  	  	  
	
372

	  	  	  	  	  	  	  	  	  	  
	
373

	  	  	  	  	  	  	  	  	  	  
	
374

	  	  	  	  	  	  	  	  	  	  
	
375

	  	  	  	  	  	  	  	  	  	  
	
376

	  	  	  	  	  	  	  	  	  	  
	
377

	  	  	  	  	  	  	  	  	  	  
	
378

	  	  	  	  	  	  	  	  	  	  
	
379

	  	  	  	  	  	  	  	  	  	  
	
380

	  	  	  	  	  	  	  	  	  	  
	
381

	  	  	  	  	  	  	  	  	  	  
	
382

	  	  	  	  	  	  	  	  	  	  
	
383

	  	  	  	  	  	  	  	  	  	  
	
384

	  	  	  	  	  	  	  	  	  	  
	
385

	  	  	  	  	  	  	  	  	  	  
	
386

	  	  	  	  	  	  	  	  	  	  
	
387

	  	  	  	  	  	  	  	  	  	  
	
388

	  	  	  	  	  	  	  	  	  	  
	
389

	  	  	  	  	  	  	  	  	  	  
	
390

	  	  	  	  	  	  	  	  	  	  
	
391

	  	  	  	  	  	  	  	  	  	  
	
392

	  	  	  	  	  	  	  	  	  	  
	
393

	  	  	  	  	  	  	  	  	  	  
	
394

	  	  	  	  	  	  	  	  	  	  
	
395

	  	  	  	  	  	  	  	  	  	  
	
396

	  	  	  	  	  	  	  	  	  	  
	
397

	  	  	  	  	  	  	  	  	  	  
	
398

	  	  	  	  	  	  	  	  	  	  
	
399

	  	  	  	  	  	  	  	  	  	  
	
400

	  	  	  	  	  	  	  	  	  	  
	
401

	  	  	  	  	  	  	  	  	  	  
	
402

	  	  	  	  	  	  	  	  	  	  
	
403

	  	  	  	  	  	  	  	  	  	  
	
404

	  	  	  	  	  	  	  	  	  	  
	
405

	  	  	  	  	  	  	  	  	  	  
	
406

	  	  	  	  	  	  	  	  	  	  
	
407

	  	  	  	  	  	  	  	  	  	  
	
408

	  	  	  	  	  	  	  	  	  	  
	
409

	  	  	  	  	  	  	  	  	  	  
	
410

	  	  	  	  	  	  	  	  	  	  
	
411

	  	  	  	  	  	  	  	  	  	  
	
412

	  	  	  	  	  	  	  	  	  	  
	
413

	  	  	  	  	  	  	  	  	  	  
	
414

	  	  	  	  	  	  	  	  	  	  
	
415

	  	  	  	  	  	  	  	  	  	  
	
416

	  	  	  	  	  	  	  	  	  	  
	
417

	  	  	  	  	  	  	  	  	  	  
	
418

	  	  	  	  	  	  	  	  	  	  
	
419

	  	  	  	  	  	  	  	  	  	  
	
420

	  	  	  	  	  	  	  	  	  	  
	
421

	  	  	  	  	  	  	  	  	  	  
	
422

	  	  	  	  	  	  	  	  	  	  
	
423

	  	  	  	  	  	  	  	  	  	  
	
424

	  	  	  	  	  	  	  	  	  	  
	
425

	  	  	  	  	  	  	  	  	  	  
	
426

	  	  	  	  	  	  	  	  	  	  
	
427

	  	  	  	  	  	  	  	  	  	  
	
428

	  	  	  	  	  	  	  	  	  	  
	
429

	  	  	  	  	  	  	  	  	  	  
	
430

	  	  	  	  	  	  	  	  	  	  
	
431

	  	  	  	  	  	  	  	  	  	  
	
432

	  	  	  	  	  	  	  	  	  	  
	
433

	  	  	  	  	  	  	  	  	  	  
	
434

	  	  	  	  	  	  	  	  	  	  
	
435

	  	  	  	  	  	  	  	  	  	  
	
436

	  	  	  	  	  	  	  	  	  	  
	
437

	  	  	  	  	  	  	  	  	  	  
	
438

	  	  	  	  	  	  	  	  	  	  
	
439

	  	  	  	  	  	  	  	  	  	  
	
440

	  	  	  	  	  	  	  	  	  	  
	
441

	  	  	  	  	  	  	  	  	  	  
	
442

	  	  	  	  	  	  	  	  	  	  
	
443

	  	  	  	  	  	  	  	  	  	  
	
444

	  	  	  	  	  	  	  	  	  	  
	
445

	  	  	  	  	  	  	  	  	  	  
	
446

	  	  	  	  	  	  	  	  	  	  
	
447

	  	  	  	  	  	  	  	  	  	  
	
448

	  	  	  	  	  	  	  	  	  	  
	
449

	  	  	  	  	  	  	  	  	  	  
	
450

	  	  	  	  	  	  	  	  	  	  
	
451

	  	  	  	  	  	  	  	  	  	  
	
452

	  	  	  	  	  	  	  	  	  	  
	
453

	  	  	  	  	  	  	  	  	  	  
	
454

	  	  	  	  	  	  	  	  	  	  
	
455

	  	  	  	  	  	  	  	  	  	  
	
456

	  	  	  	  	  	  	  	  	  	  
	
457

	  	  	  	  	  	  	  	  	  	  
	
458

	  	  	  	  	  	  	  	  	  	  
	
459

	  	  	  	  	  	  	  	  	  	  
	
460

	  	  	  	  	  	  	  	  	  	  
	
461

	  	  	  	  	  	  	  	  	  	  
	
462

	  	  	  	  	  	  	  	  	  	  
	
463

	  	  	  	  	  	  	  	  	  	  
	
464

	  	  	  	  	  	  	  	  	  	  
	
465

	  	  	  	  	  	  	  	  	  	  
	
466

	  	  	  	  	  	  	  	  	  	  
	
467

	  	  	  	  	  	  	  	  	  	  
	
468

	  	  	  	  	  	  	  	  	  	  
	
469

	  	  	  	  	  	  	  	  	  	  
	
470

	  	  	  	  	  	  	  	  	  	  
	
471

	  	  	  	  	  	  	  	  	  	  
	
472

	  	  	  	  	  	  	  	  	  	  
	
473

	  	  	  	  	  	  	  	  	  	  

 

	
KEY

	
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

	
Initial Minimum

Payment Reset

Period

	
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107

	  	  	  	  	  	  	  	  	  	  
	
108

	  	  	  	  	  	  	  	  	  	  
	
109

	  	  	  	  	  	  	  	  	  	  
	
110

	  	  	  	  	  	  	  	  	  	  
	
111

	  	  	  	  	  	  	  	  	  	  
	
112

	  	  	  	  	  	  	  	  	  	  
	
113

	  	  	  	  	  	  	  	  	  	  
	
114

	  	  	  	  	  	  	  	  	  	  
	
115

	  	  	  	  	  	  	  	  	  	  
	
116

	  	  	  	  	  	  	  	  	  	  
	
117

	  	  	  	  	  	  	  	  	  	  
	
118

	  	  	  	  	  	  	  	  	  	  
	
119

	  	  	  	  	  	  	  	  	  	  
	
120

	  	  	  	  	  	  	  	  	  	  
	
121

	  	  	  	  	  	  	  	  	  	  
	
122

	  	  	  	  	  	  	  	  	  	  
	
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124

	  	  	  	  	  	  	  	  	  	  
	
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126

	  	  	  	  	  	  	  	  	  	  
	
127

	  	  	  	  	  	  	  	  	  	  
	
128

	  	  	  	  	  	  	  	  	  	  
	
129

	  	  	  	  	  	  	  	  	  	  
	
130

	  	  	  	  	  	  	  	  	  	  
	
131

	  	  	  	  	  	  	  	  	  	  
	
132

	  	  	  	  	  	  	  	  	  	  
	
133

	  	  	  	  	  	  	  	  	  	  
	
134

	  	  	  	  	  	  	  	  	  	  
	
135

	  	  	  	  	  	  	  	  	  	  
	
136

	  	  	  	  	  	  	  	  	  	  
	
137

	  	  	  	  	  	  	  	  	  	  
	
138

	  	  	  	  	  	  	  	  	  	  
	
139

	  	  	  	  	  	  	  	  	  	  
	
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141

	  	  	  	  	  	  	  	  	  	  
	
142

	  	  	  	  	  	  	  	  	  	  
	
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144

	  	  	  	  	  	  	  	  	  	  
	
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149

	  	  	  	  	  	  	  	  	  	  
	
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151

	  	  	  	  	  	  	  	  	  	  
	
152

	  	  	  	  	  	  	  	  	  	  
	
153

	  	  	  	  	  	  	  	  	  	  
	
154

	  	  	  	  	  	  	  	  	  	  
	
155

	  	  	  	  	  	  	  	  	  	  
	
156

	  	  	  	  	  	  	  	  	  	  
	
157

	  	  	  	  	  	  	  	  	  	  
	
158

	  	  	  	  	  	  	  	  	  	  
	
159

	  	  	  	  	  	  	  	  	  	  
	
160

	  	  	  	  	  	  	  	  	  	  
	
161

	  	  	  	  	  	  	  	  	  	  
	
162

	  	  	  	  	  	  	  	  	  	  
	
163

	  	  	  	  	  	  	  	  	  	  
	
164

	  	  	  	  	  	  	  	  	  	  
	
165

	  	  	  	  	  	  	  	  	  	  
	
166

	  	  	  	  	  	  	  	  	  	  
	
167

	  	  	  	  	  	  	  	  	  	  
	
168

	  	  	  	  	  	  	  	  	  	  
	
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170

	  	  	  	  	  	  	  	  	  	  
	
171

	  	  	  	  	  	  	  	  	  	  
	
172

	  	  	  	  	  	  	  	  	  	  
	
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174

	  	  	  	  	  	  	  	  	  	  
	
175

	  	  	  	  	  	  	  	  	  	  
	
176

	  	  	  	  	  	  	  	  	  	  
	
177

	  	  	  	  	  	  	  	  	  	  
	
178

	  	  	  	  	  	  	  	  	  	  
	
179

	  	  	  	  	  	  	  	  	  	  
	
180

	  	  	  	  	  	  	  	  	  	  
	
181

	  	  	  	  	  	  	  	  	  	  
	
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185

	  	  	  	  	  	  	  	  	  	  
	
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187

	  	  	  	  	  	  	  	  	  	  
	
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190

	  	  	  	  	  	  	  	  	  	  
	
191

	  	  	  	  	  	  	  	  	  	  
	
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195

	  	  	  	  	  	  	  	  	  	  
	
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197

	  	  	  	  	  	  	  	  	  	  
	
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229

	  	  	  	  	  	  	  	  	  	  
	
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232

	  	  	  	  	  	  	  	  	  	  
	
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244

	  	  	  	  	  	  	  	  	  	  
	
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255

	  	  	  	  	  	  	  	  	  	  
	
256

	  	  	  	  	  	  	  	  	  	  
	
257

	  	  	  	  	  	  	  	  	  	  
	
258

	  	  	  	  	  	  	  	  	  	  
	
259

	  	  	  	  	  	  	  	  	  	  
	
260

	  	  	  	  	  	  	  	  	  	  
	
261

	  	  	  	  	  	  	  	  	  	  
	
262

	  	  	  	  	  	  	  	  	  	  
	
263

	  	  	  	  	  	  	  	  	  	  
	
264

	  	  	  	  	  	  	  	  	  	  
	
265

	  	  	  	  	  	  	  	  	  	  
	
266

	  	  	  	  	  	  	  	  	  	  
	
267

	  	  	  	  	  	  	  	  	  	  
	
268

	  	  	  	  	  	  	  	  	  	  
	
269

	  	  	  	  	  	  	  	  	  	  
	
270

	  	  	  	  	  	  	  	  	  	  
	
271

	  	  	  	  	  	  	  	  	  	  
	
272

	  	  	  	  	  	  	  	  	  	  
	
273

	  	  	  	  	  	  	  	  	  	  
	
274

	  	  	  	  	  	  	  	  	  	  
	
275

	  	  	  	  	  	  	  	  	  	  
	
276

	  	  	  	  	  	  	  	  	  	  
	
277

	  	  	  	  	  	  	  	  	  	  
	
278

	  	  	  	  	  	  	  	  	  	  
	
279

	  	  	  	  	  	  	  	  	  	  
	
280

	  	  	  	  	  	  	  	  	  	  
	
281

	  	  	  	  	  	  	  	  	  	  
	
282

	  	  	  	  	  	  	  	  	  	  
	
283

	  	  	  	  	  	  	  	  	  	  
	
284

	  	  	  	  	  	  	  	  	  	  
	
285

	  	  	  	  	  	  	  	  	  	  
	
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287

	  	  	  	  	  	  	  	  	  	  
	
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315

	  	  	  	  	  	  	  	  	  	  
	
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350

	  	  	  	  	  	  	  	  	  	  
	
351

	  	  	  	  	  	  	  	  	  	  
	
352

	  	  	  	  	  	  	  	  	  	  
	
353

	  	  	  	  	  	  	  	  	  	  
	
354

	  	  	  	  	  	  	  	  	  	  
	
355

	  	  	  	  	  	  	  	  	  	  
	
356

	  	  	  	  	  	  	  	  	  	  
	
357

	  	  	  	  	  	  	  	  	  	  
	
358

	  	  	  	  	  	  	  	  	  	  
	
359

	  	  	  	  	  	  	  	  	  	  
	
360

	  	  	  	  	  	  	  	  	  	  
	
361

	  	  	  	  	  	  	  	  	  	  
	
362

	  	  	  	  	  	  	  	  	  	  
	
363

	  	  	  	  	  	  	  	  	  	  
	
364

	  	  	  	  	  	  	  	  	  	  
	
365

	  	  	  	  	  	  	  	  	  	  
	
366

	  	  	  	  	  	  	  	  	  	  
	
367

	  	  	  	  	  	  	  	  	  	  
	
368

	  	  	  	  	  	  	  	  	  	  
	
369

	  	  	  	  	  	  	  	  	  	  
	
370

	  	  	  	  	  	  	  	  	  	  
	
371

	  	  	  	  	  	  	  	  	  	  
	
372

	  	  	  	  	  	  	  	  	  	  
	
373

	  	  	  	  	  	  	  	  	  	  
	
374

	  	  	  	  	  	  	  	  	  	  
	
375

	  	  	  	  	  	  	  	  	  	  
	
376

	  	  	  	  	  	  	  	  	  	  
	
377

	  	  	  	  	  	  	  	  	  	  
	
378

	  	  	  	  	  	  	  	  	  	  
	
379

	  	  	  	  	  	  	  	  	  	  
	
380

	  	  	  	  	  	  	  	  	  	  
	
381

	  	  	  	  	  	  	  	  	  	  
	
382

	  	  	  	  	  	  	  	  	  	  
	
383

	  	  	  	  	  	  	  	  	  	  
	
384

	  	  	  	  	  	  	  	  	  	  
	
385

	  	  	  	  	  	  	  	  	  	  
	
386

	  	  	  	  	  	  	  	  	  	  
	
387

	  	  	  	  	  	  	  	  	  	  
	
388

	  	  	  	  	  	  	  	  	  	  
	
389

	  	  	  	  	  	  	  	  	  	  
	
390

	  	  	  	  	  	  	  	  	  	  
	
391

	  	  	  	  	  	  	  	  	  	  
	
392

	  	  	  	  	  	  	  	  	  	  
	
393

	  	  	  	  	  	  	  	  	  	  
	
394

	  	  	  	  	  	  	  	  	  	  
	
395

	  	  	  	  	  	  	  	  	  	  
	
396

	  	  	  	  	  	  	  	  	  	  
	
397

	  	  	  	  	  	  	  	  	  	  
	
398

	  	  	  	  	  	  	  	  	  	  
	
399

	  	  	  	  	  	  	  	  	  	  
	
400

	  	  	  	  	  	  	  	  	  	  
	
401

	  	  	  	  	  	  	  	  	  	  
	
402

	  	  	  	  	  	  	  	  	  	  
	
403

	  	  	  	  	  	  	  	  	  	  
	
404

	  	  	  	  	  	  	  	  	  	  
	
405

	  	  	  	  	  	  	  	  	  	  
	
406

	  	  	  	  	  	  	  	  	  	  
	
407

	  	  	  	  	  	  	  	  	  	  
	
408

	  	  	  	  	  	  	  	  	  	  
	
409

	  	  	  	  	  	  	  	  	  	  
	
410

	  	  	  	  	  	  	  	  	  	  
	
411

	  	  	  	  	  	  	  	  	  	  
	
412

	  	  	  	  	  	  	  	  	  	  
	
413

	  	  	  	  	  	  	  	  	  	  
	
414

	  	  	  	  	  	  	  	  	  	  
	
415

	  	  	  	  	  	  	  	  	  	  
	
416

	  	  	  	  	  	  	  	  	  	  
	
417

	  	  	  	  	  	  	  	  	  	  
	
418

	  	  	  	  	  	  	  	  	  	  
	
419

	  	  	  	  	  	  	  	  	  	  
	
420

	  	  	  	  	  	  	  	  	  	  
	
421

	  	  	  	  	  	  	  	  	  	  
	
422

	  	  	  	  	  	  	  	  	  	  
	
423

	  	  	  	  	  	  	  	  	  	  
	
424

	  	  	  	  	  	  	  	  	  	  
	
425

	  	  	  	  	  	  	  	  	  	  
	
426

	  	  	  	  	  	  	  	  	  	  
	
427

	  	  	  	  	  	  	  	  	  	  
	
428

	  	  	  	  	  	  	  	  	  	  
	
429

	  	  	  	  	  	  	  	  	  	  
	
430

	  	  	  	  	  	  	  	  	  	  
	
431

	  	  	  	  	  	  	  	  	  	  
	
432

	  	  	  	  	  	  	  	  	  	  
	
433

	  	  	  	  	  	  	  	  	  	  
	
434

	  	  	  	  	  	  	  	  	  	  
	
435

	  	  	  	  	  	  	  	  	  	  
	
436

	  	  	  	  	  	  	  	  	  	  
	
437

	  	  	  	  	  	  	  	  	  	  
	
438

	  	  	  	  	  	  	  	  	  	  
	
439

	  	  	  	  	  	  	  	  	  	  
	
440

	  	  	  	  	  	  	  	  	  	  
	
441

	  	  	  	  	  	  	  	  	  	  
	
442

	  	  	  	  	  	  	  	  	  	  
	
443

	  	  	  	  	  	  	  	  	  	  
	
444

	  	  	  	  	  	  	  	  	  	  
	
445

	  	  	  	  	  	  	  	  	  	  
	
446

	  	  	  	  	  	  	  	  	  	  
	
447

	  	  	  	  	  	  	  	  	  	  
	
448

	  	  	  	  	  	  	  	  	  	  
	
449

	  	  	  	  	  	  	  	  	  	  
	
450

	  	  	  	  	  	  	  	  	  	  
	
451

	  	  	  	  	  	  	  	  	  	  
	
452

	  	  	  	  	  	  	  	  	  	  
	
453

	  	  	  	  	  	  	  	  	  	  
	
454

	  	  	  	  	  	  	  	  	  	  
	
455

	  	  	  	  	  	  	  	  	  	  
	
456

	  	  	  	  	  	  	  	  	  	  
	
457

	  	  	  	  	  	  	  	  	  	  
	
458

	  	  	  	  	  	  	  	  	  	  
	
459

	  	  	  	  	  	  	  	  	  	  
	
460

	  	  	  	  	  	  	  	  	  	  
	
461

	  	  	  	  	  	  	  	  	  	  
	
462

	  	  	  	  	  	  	  	  	  	  
	
463

	  	  	  	  	  	  	  	  	  	  
	
464

	  	  	  	  	  	  	  	  	  	  
	
465

	  	  	  	  	  	  	  	  	  	  
	
466

	  	  	  	  	  	  	  	  	  	  
	
467

	  	  	  	  	  	  	  	  	  	  
	
468

	  	  	  	  	  	  	  	  	  	  
	
469

	  	  	  	  	  	  	  	  	  	  
	
470

	  	  	  	  	  	  	  	  	  	  
	
471

	  	  	  	  	  	  	  	  	  	  
	
472

	  	  	  	  	  	  	  	  	  	  
	
473

	  	  	  	  	  	  	  	  	  	  

 

 

 

	
KEY

	
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

	
1

	  	
0

	  	  	  	  	  	
0

	  	
109

	
2

	  	
0

	  	  	  	  	  	
0

	  	
165

	
3

	  	
0

	  	  	  	  	  	
0

	  	
186

	
4

	  	
0

	  	  	  	  	  	
0

	  	
127

	
5

	  	
0

	  	  	  	  	  	
0

	  	
269

	
6

	  	
0

	  	  	  	  	  	
0

	  	
70

	
7

	  	
0

	  	  	  	  	  	
0

	  	
270

	
8

	  	
0

	  	  	  	  	  	
0

	  	
428

	
9

	  	
0

	  	  	  	  	  	
0

	  	
344

	
10

	  	
0

	  	  	  	  	  	
0

	  	
385

	
11

	  	
0

	  	  	  	  	  	
0

	  	
446

	
12

	  	
0

	  	  	  	  	  	
0

	  	
100

	
13

	  	
0

	  	  	  	  	  	
0

	  	
351

	
14

	  	
0

	  	  	  	  	  	
0

	  	
427

	
15

	  	
0

	  	  	  	  	  	
0

	  	
370

	
16

	  	
0

	  	  	  	  	  	
0

	  	
81

	
17

	  	
0

	  	  	  	  	  	
0

	  	
13

	
18

	  	
0

	  	  	  	  	  	
0

	  	
369

	
19

	  	
0

	  	  	  	  	  	
0

	  	
14

	
20

	  	
0

	  	  	  	  	  	
0

	  	
117

	
21

	  	
0

	  	  	  	  	  	
0

	  	
342

	
22

	  	
0

	  	  	  	  	  	
0

	  	
17

	
23

	  	
0

	  	  	  	  	  	
0

	  	
9

	
24

	  	
0

	  	  	  	  	  	
0

	  	
84

	
25

	  	
0

	  	  	  	  	  	
0

	  	
215

	
26

	  	
0

	  	  	  	  	  	
0

	  	
395

	
27

	  	
0

	  	  	  	  	  	
0

	  	
348

	
28

	  	
0

	  	  	  	  	  	
0

	  	
140

	
29

	  	
0

	  	  	  	  	  	
0

	  	
37

	
30

	  	
0

	  	  	  	  	  	
0

	  	
302

	
31

	  	
0

	  	  	  	  	  	
0

	  	
12

	
32

	  	
0

	  	  	  	  	  	
0

	  	
226

	
33

	  	
0

	  	  	  	  	  	
0

	  	
413

	
34

	  	
0

	  	  	  	  	  	
0

	  	
379

	
35

	  	
0

	  	  	  	  	  	
0

	  	
434

	
36

	  	
0

	  	  	  	  	  	
0

	  	
142

	
37

	  	
0

	  	  	  	  	  	
0

	  	
406

	
38

	  	
0

	  	  	  	  	  	
0

	  	
73

	
39

	  	
0

	  	  	  	  	  	
0

	  	
110

	
40

	  	
0

	  	  	  	  	  	
0

	  	
99

	
41

	  	
0

	  	  	  	  	  	
0

	  	
77

	
42

	  	
0

	  	  	  	  	  	
0

	  	
49

	
43

	  	
0

	  	  	  	  	  	
0

	  	
441

	
44

	  	
0

	  	  	  	  	  	
0

	  	
223

	
45

	  	
0

	  	  	  	  	  	
0

	  	
221

	
46

	  	
0

	  	  	  	  	  	
0

	  	
79

	
47

	  	
0

	  	  	  	  	  	
0

	  	
391

	
48

	  	
0

	  	  	  	  	  	
0

	  	
330

	
49

	  	
0

	  	  	  	  	  	
0

	  	
33

	
50

	  	
0

	  	  	  	  	  	
0

	  	
243

	
51

	  	
0

	  	  	  	
20

	
1

	
60

	  	
47

	
52

	  	
0

	  	  	  	
20

	
1

	
60

	  	
255

	
53

	  	
0

	  	  	  	  	  	
0

	  	
174

	
54

	  	
0

	  	  	  	
20

	
1

	
36

	  	
449

	
55

	  	
0

	  	  	  	
20

	
1

	
60

	  	
58

	
56

	  	
0

	  	  	  	
20

	
1

	
60

	  	
224

	
57

	  	
0

	  	  	  	  	  	
0

	  	
242

	
58

	  	
0

	  	  	  	
20

	
1

	
60

	  	
445

	
59

	  	
0

	  	  	  	  	  	
0

	  	
343

	
60

	  	
0

	  	  	  	
20

	
1

	
60

	  	
414

	
61

	  	
0

	  	  	  	  	  	
0

	  	
244

	
62

	  	
0

	  	  	  	
20

	
1

	
60

	  	
141

	
63

	  	
0

	  	  	  	  	  	
0

	  	
411

	
64

	  	
0

	  	  	  	
20

	
1

	
60

	  	
213

	
65

	  	
0

	  	  	  	
20

	
1

	
60

	  	
340

	
66

	  	
0

	  	  	  	
20

	
1

	
60

	  	
133

	
67

	  	
0

	  	  	  	
20

	
1

	
60

	  	
314

	
68

	  	
0

	  	  	  	  	  	
0

	  	
375

	
69

	  	
0

	  	  	  	
20

	
1

	
60

	  	
248

	
70

	  	
0

	  	  	  	
20

	
1

	
60

	  	
101

	
71

	  	
0

	  	  	  	
20

	
1

	
60

	  	
7

	
72

	  	
0

	  	  	  	  	  	
0

	  	
420

	
73

	  	
0

	  	  	  	  	  	
0

	  	
35

	
74

	  	
0

	  	  	  	
20

	
1

	
36

	  	
146

	
75

	  	
0

	  	  	  	  	  	
0

	  	
208

	
76

	  	
0

	  	  	  	
20

	
1

	
60

	  	
367

	
77

	  	
0

	  	  	  	  	  	
0

	  	
260

	
78

	  	
0

	  	  	  	  	  	
0

	  	
260

	
79

	  	
0

	  	  	  	  	  	
0

	  	
452

	
80

	  	
0

	  	  	  	  	  	
0

	  	
138

	
81

	  	
0

	  	  	  	
20

	
1

	
60

	  	
324

	
82

	  	
0

	  	  	  	
20

	
1

	
60

	  	
93

	
83

	  	
0

	  	  	  	  	  	
0

	  	
278

	
84

	  	
0

	  	  	  	  	  	
0

	  	
256

	
85

	  	
0

	  	  	  	
20

	
1

	
60

	  	
364

	
86

	  	
0

	  	  	  	  	  	
0

	  	
119

	
87

	  	
0

	  	  	  	
20

	
1

	
60

	  	
163

	
88

	  	
0

	  	  	  	  	  	
0

	  	
67

	
89

	  	
0

	  	  	  	  	  	
0

	  	
18

	
90

	  	
0

	  	  	  	
20

	
1

	
60

	  	
21

	
91

	  	
0

	  	  	  	
20

	
1

	
60

	  	
377

	
92

	  	
0

	  	  	  	  	  	
0

	  	
122

	
93

	  	
0

	  	  	  	
20

	
1

	
60

	  	
279

	
94

	  	
0

	  	  	  	  	  	
0

	  	
257

	
95

	  	
0

	  	  	  	  	  	
0

	  	
48

	
96

	  	
0

	  	  	  	  	  	
0

	  	
241

	
97

	  	
0

	  	  	  	  	  	
0

	  	
292

	
98

	  	
0

	  	  	  	
20

	
1

	
60

	  	
150

	
99

	  	
0

	  	  	  	  	  	
0

	  	
311

	
100

	  	
0

	  	  	  	  	  	
0

	  	
68

	
101

	  	
0

	  	  	  	  	  	
0

	  	
350

	
102

	  	
0

	  	  	  	  	  	
0

	  	
197

	
103

	  	
0

	  	  	  	  	  	
0

	  	
229

	
104

	  	
0

	  	  	  	  	  	
0

	  	
304

	
105

	  	
0

	  	  	  	  	  	
0

	  	
300

	
106

	  	
0

	  	  	  	
20

	
1

	
60

	  	
239

	
107

	  	
0

	  	  	  	  	  	
0

	  	
464

	
108

	  	
0

	  	  	  	
20

	
1

	
60

	  	
438

	
109

	  	
0

	  	  	  	  	  	
0

	  	
166

	
110

	  	
0

	  	  	  	  	  	
0

	  	
11

	
111

	  	
0

	  	  	  	
20

	
1

	
60

	  	
363

	
112

	  	
0

	  	  	  	  	  	
0

	  	
156

	
113

	  	
0

	  	  	  	  	  	
0

	  	
308

	
114

	  	
0

	  	  	  	
20

	
1

	
60

	  	
170

	
115

	  	
0

	  	  	  	  	  	
0

	  	
419

	
116

	  	
0

	  	  	  	  	  	
0

	  	
212

	
117

	  	
0

	  	  	  	  	  	
0

	  	
465

	
118

	  	
0

	  	  	  	  	  	
0

	  	
323

	
119

	  	
0

	  	  	  	  	  	
0

	  	
272

	
120

	  	
0

	  	  	  	
20

	
1

	
60

	  	
453

	
121

	  	
0

	  	  	  	  	  	
0

	  	
193

	
122

	  	
0

	  	  	  	  	  	
0

	  	
360

	
123

	  	
0

	  	  	  	
20

	
1

	
60

	  	
191

	
124

	  	
0

	  	  	  	  	  	
0

	  	
422

	
125

	  	
0

	  	  	  	  	  	
0

	  	
53

	
126

	  	
0

	  	  	  	
20

	
1

	
60

	  	
175

	
127

	  	
0

	  	  	  	  	  	
0

	  	
346

	
128

	  	
0

	  	  	  	
20

	
1

	
60

	  	
178

	
129

	  	
0

	  	  	  	  	  	
0

	  	
403

	
130

	  	
0

	  	  	  	  	  	
0

	  	
125

	
131

	  	
0

	  	  	  	  	  	
0

	  	
106

	
132

	  	
0

	  	  	  	
20

	
1

	
60

	  	
143

	
133

	  	
0

	  	  	  	  	  	
0

	  	
136

	
134

	  	
0

	  	  	  	  	  	
0

	  	
5

	
135

	  	
0

	  	  	  	  	  	
0

	  	
312

	
136

	  	
0

	  	  	  	  	  	
0

	  	
312

	
137

	  	
0

	  	  	  	  	  	
0

	  	
322

	
138

	  	
0

	  	  	  	
20

	
1

	
60

	  	
194

	
139

	  	
0

	  	  	  	
20

	
1

	
60

	  	
262

	
140

	  	
0

	  	  	  	
20

	
1

	
60

	  	
120

	
141

	  	
0

	  	  	  	
20

	
1

	
60

	  	
211

	
142

	  	
0

	  	  	  	
20

	
1

	
60

	  	
92

	
143

	  	
0

	  	  	  	  	  	
0

	  	
281

	
144

	  	
0

	  	  	  	  	  	
0

	  	
214

	
145

	  	
0

	  	  	  	  	  	
0

	  	
415

	
146

	  	
0

	  	  	  	  	  	
0

	  	
290

	
147

	  	
0

	  	  	  	  	  	
0

	  	
456

	
148

	  	
0

	  	  	  	  	  	
0

	  	
42

	
149

	  	
0

	  	  	  	  	  	
0

	  	
83

	
150

	  	
0

	  	  	  	  	  	
0

	  	
164

	
151

	  	
0

	  	  	  	  	  	
0

	  	
463

	
152

	  	
0

	  	  	  	  	  	
0

	  	
80

	
153

	  	
0

	  	  	  	  	  	
0

	  	
228

	
154

	  	
0

	  	  	  	  	  	
0

	  	
394

	
155

	  	
0

	  	  	  	  	  	
0

	  	
265

	
156

	  	
0

	  	  	  	  	  	
0

	  	
195

	
157

	  	
0

	  	  	  	  	  	
0

	  	
440

	
158

	  	
0

	  	  	  	  	  	
0

	  	
171

	
159

	  	
0

	  	  	  	  	  	
0

	  	
307

	
160

	  	
0

	  	  	  	  	  	
0

	  	
66

	
161

	  	
0

	  	  	  	  	  	
0

	  	
390

	
162

	  	
0

	  	  	  	  	  	
0

	  	
45

	
163

	  	
0

	  	  	  	  	  	
0

	  	
398

	
164

	  	
0

	  	  	  	  	  	
0

	  	
72

	
165

	  	
0

	  	  	  	  	  	
0

	  	
210

	
166

	  	
0

	  	  	  	  	  	
0

	  	
111

	
167

	  	
0

	  	  	  	  	  	
0

	  	
103

	
168

	  	
0

	  	  	  	  	  	
0

	  	
359

	
169

	  	
0

	  	  	  	  	  	
0

	  	
378

	
170

	  	
0

	  	  	  	  	  	
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437

	
171

	  	
0

	  	  	  	  	  	
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442

	
172

	  	
0

	  	  	  	  	  	
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40

	
173

	  	
0

	  	  	  	  	  	
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249

	
174

	  	
0

	  	  	  	  	  	
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407

	
175

	  	
0

	  	  	  	  	  	
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64

	
176

	  	
0

	  	  	  	  	  	
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75

	
177

	  	
0

	  	  	  	  	  	
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383

	
178

	  	
0

	  	  	  	  	  	
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331

	
179

	  	
0

	  	  	  	  	  	
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49

	
180

	  	
0

	  	  	  	  	  	
0

	  	
368

	
181

	  	
0

	  	  	  	
20

	
1

	
60

	  	
189

	
182

	  	
0

	  	  	  	
20

	
1

	
48

	  	
287

	
183

	  	
0

	  	  	  	  	  	
0

	  	
209

	
184

	  	
0

	  	  	  	  	  	
0

	  	
118

	
185

	  	
0

	  	  	  	
20

	
1

	
60

	  	
10

	
186

	  	
0

	  	  	  	  	  	
0

	  	
61

	
187

	  	
0

	  	  	  	
20

	
1

	
60

	  	
284

	
188

	  	
0

	  	  	  	  	  	
0

	  	
366

	
189

	  	
0

	  	  	  	
20

	
1

	
60

	  	
145

	
190

	  	
0

	  	  	  	  	  	
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157

	
191

	  	
0

	  	  	  	  	  	
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169

	
192

	  	
0

	  	  	  	  	  	
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280

	
193

	  	
0

	  	  	  	
20

	
1

	
60

	  	
325

	
194

	  	
0

	  	  	  	
20

	
1

	
60

	  	
26

	
195

	  	
0

	  	  	  	  	  	
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39

	
196

	  	
0

	  	  	  	  	  	
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88

	
197

	  	
0

	  	  	  	
20

	
1

	
60

	  	
352

	
198

	  	
0

	  	  	  	
20

	
1

	
60

	  	
392

	
199

	  	
0

	  	  	  	  	  	
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266

	
200

	  	
0

	  	  	  	  	  	
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273

	
201

	  	
0

	  	  	  	  	  	
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115

	
202

	  	
0

	  	  	  	  	  	
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57

	
203

	  	
0

	  	  	  	  	  	
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34

	
204

	  	
0

	  	  	  	  	  	
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355

	
205

	  	
0

	  	  	  	  	  	
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327

	
206

	  	
0

	  	  	  	  	  	
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43

	
207

	  	
0

	  	  	  	  	  	
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113

	
208

	  	
0

	  	  	  	  	  	
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200

	
209

	  	
0

	  	  	  	  	  	
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430

	
210

	  	
0

	  	  	  	  	  	
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54

	
211

	  	
0

	  	  	  	  	  	
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268

	
212

	  	
0

	  	  	  	  	  	
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167

	
213

	  	
0

	  	  	  	  	  	
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159

	
214

	  	
0

	  	  	  	  	  	
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126

	
215

	  	
0

	  	  	  	  	  	
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400

	
216

	  	
0

	  	  	  	  	  	
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258

	
217

	  	
0

	  	  	  	  	  	
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469

	
218

	  	
0

	  	  	  	  	  	
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135

	
219

	  	
0

	  	  	  	  	  	
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345

	
220

	  	
0

	  	  	  	  	  	
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85

	
221

	  	
0

	  	  	  	  	  	
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203

	
222

	  	
0

	  	  	  	  	  	
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408

	
223

	  	
0

	  	  	  	  	  	
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60

	
224

	  	
0

	  	  	  	  	  	
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128

	
225

	  	
0

	  	  	  	  	  	
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416

	
226

	  	
0

	  	  	  	  	  	
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423

	
227

	  	
0

	  	  	  	  	  	
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357

	
228

	  	
0

	  	  	  	  	  	
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371

	
229

	  	
0

	  	  	  	  	  	
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231

	
230

	  	
0

	  	  	  	  	  	
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455

	
231

	  	
0

	  	  	  	  	  	
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62

	
232

	  	
0

	  	  	  	  	  	
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275

	
233

	  	
0

	  	  	  	  	  	
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225

	
234

	  	
0

	  	  	  	  	  	
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29

	
235

	  	
0

	  	  	  	  	  	
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467

	
236

	  	
0

	  	  	  	  	  	
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294

	
237

	  	
0

	  	  	  	  	  	
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32

	
238

	  	
0

	  	  	  	  	  	
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288

	
239

	  	
0

	  	  	  	  	  	
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86

	
240

	  	
0

	  	  	  	  	  	
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201

	
241

	  	
0

	  	  	  	  	  	
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298

	
242

	  	
0

	  	  	  	  	  	
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295

	
243

	  	
0

	  	  	  	  	  	
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71

	
244

	  	
0

	  	  	  	  	  	
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246

	
245

	  	
0

	  	  	  	  	  	
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421

	
246

	  	
0

	  	  	  	  	  	
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282

	
247

	  	
0

	  	  	  	  	  	
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332

	
248

	  	
0

	  	  	  	  	  	
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432

	
249

	  	
0

	  	  	  	  	  	
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321

	
250

	  	
0

	  	  	  	
20

	
1

	
60

	  	
196

	
251

	  	
0

	  	  	  	
20

	
1

	
60

	  	
220

	
252

	  	
0

	  	  	  	
20

	
1

	
60

	  	
402

	
253

	  	
0

	  	  	  	
20

	
1

	
60

	  	
365

	
254

	  	
0

	  	  	  	
20

	
1

	
60

	  	
180

	
255

	  	
0

	  	  	  	
20

	
1

	
60

	  	
139

	
256

	  	
0

	  	  	  	
20

	
1

	
60

	  	
310

	
257

	  	
0

	  	  	  	
20

	
1

	
60

	  	
267

	
258

	  	
0

	  	  	  	
20

	
1

	
60

	  	
27

	
259

	  	
0

	  	  	  	
20

	
1

	
60

	  	
313

	
260

	  	
0

	  	  	  	
20

	
1

	
60

	  	
250

	
261

	  	
0

	  	  	  	
20

	
1

	
60

	  	
168

	
262

	  	
0

	  	  	  	
20

	
1

	
60

	  	
417

	
263

	  	
0

	  	  	  	
20

	
1

	
60

	  	
462

	
264

	  	
0

	  	  	  	
20

	
1

	
60

	  	
78

	
265

	  	
0

	  	  	  	
20

	
1

	
60

	  	
457

	
266

	  	
0

	  	  	  	
20

	
1

	
60

	  	
418

	
267

	  	
0

	  	  	  	
20

	
1

	
60

	  	
286

	
268

	  	
0

	  	  	  	
20

	
1

	
60

	  	
31

	
269

	  	
0

	  	  	  	
20

	
1

	
60

	  	
316

	
270

	  	
0

	  	  	  	
20

	
1

	
60

	  	
301

	
271

	  	
0

	  	  	  	
20

	
1

	
60

	  	
254

	
272

	  	
0

	  	  	  	
20

	
1

	
60

	  	
121

	
273

	  	
0

	  	  	  	
20

	
1

	
60

	  	
460

	
274

	  	
0

	  	  	  	
20

	
1

	
60

	  	
166

	
275

	  	
0

	  	  	  	
20

	
1

	
60

	  	
396

	
276

	  	
0

	  	  	  	
20

	
1

	
60

	  	
87

	
277

	  	
0

	  	  	  	
20

	
1

	
60

	  	
155

	
278

	  	
0

	  	  	  	
20

	
1

	
60

	  	
124

	
279

	  	
0

	  	  	  	
20

	
1

	
60

	  	
444

	
280

	  	
0

	  	  	  	
20

	
1

	
60

	  	
318

	
281

	  	
0

	  	  	  	
20

	
1

	
60

	  	
153

	
282

	  	
0

	  	  	  	
20

	
1

	
60

	  	
397

	
283

	  	
0

	  	  	  	
20

	
1

	
60

	  	
16

	
284

	  	
0

	  	  	  	
20

	
1

	
60

	  	
362

	
285

	  	
0

	  	  	  	
20

	
1

	
60

	  	
372

	
286

	  	
0

	  	  	  	
20

	
1

	
60

	  	
401

	
287

	  	
0

	  	  	  	
20

	
1

	
60

	  	
28

	
288

	  	
0

	  	  	  	
20

	
1

	
60

	  	
252

	
289

	  	
0

	  	  	  	
20

	
1

	
60

	  	
134

	
290

	  	
0

	  	  	  	
20

	
1

	
60

	  	
271

	
291

	  	
0

	  	  	  	
20

	
1

	
60

	  	
46

	
292

	  	
0

	  	  	  	
20

	
1

	
60

	  	
461

	
293

	  	
0

	  	  	  	
20

	
1

	
60

	  	
192

	
294

	  	
0

	  	  	  	
20

	
1

	
60

	  	
89

	
295

	  	
0

	  	  	  	
20

	
1

	
60

	  	
317

	
296

	  	
0

	  	  	  	
20

	
1

	
60

	  	
247

	
297

	  	
0

	  	  	  	
20

	
1

	
60

	  	
38

	
298

	  	
0

	  	  	  	
20

	
1

	
60

	  	
50

	
299

	  	
0

	  	  	  	
20

	
1

	
60

	  	
1

	
300

	  	
0

	  	  	  	
20

	
1

	
60

	  	
65

	
301

	  	
0

	  	  	  	
20

	
1

	
60

	  	
470

	
302

	  	
0

	  	  	  	
20

	
1

	
60

	  	
349

	
303

	  	
0

	  	  	  	  	  	
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3

	
304

	  	
0

	  	  	  	  	  	
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276

	
305

	  	
0

	  	  	  	  	  	
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274

	
306

	  	
0

	  	  	  	  	  	
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185

	
307

	  	
0

	  	  	  	  	  	
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236

	
308

	  	
0

	  	  	  	  	  	
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161

	
309

	  	
0

	  	  	  	  	  	
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253

	
310

	  	
0

	  	  	  	  	  	
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131

	
311

	  	
0

	  	  	  	  	  	
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339

	
312

	  	
0

	  	  	  	  	  	
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296

	
313

	  	
0

	  	  	  	  	  	
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459

	
314

	  	
0

	  	  	  	  	  	
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22

	
315

	  	
0

	  	  	  	  	  	
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51

	
316

	  	
0

	  	  	  	  	  	
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429

	
317

	  	
0

	  	  	  	  	  	
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356

	
318

	  	
0

	  	  	  	  	  	
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237

	
319

	  	
0

	  	  	  	  	  	
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173

	
320

	  	
0

	  	  	  	  	  	
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388

	
321

	  	
0

	  	  	  	  	  	
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315

	
322

	  	
0

	  	  	  	  	  	
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104

	
323

	  	
0

	  	  	  	  	  	
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334

	
324

	  	
0

	  	  	  	  	  	
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114

	
325

	  	
0

	  	  	  	  	  	
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184

	
326

	  	
0

	  	  	  	  	  	
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297

	
327

	  	
0

	  	  	  	  	  	
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95

	
328

	  	
0

	  	  	  	  	  	
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108

	
329

	  	
0

	  	  	  	  	  	
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320

	
330

	  	
0

	  	  	  	  	  	
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25

	
331

	  	
0

	  	  	  	  	  	
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23

	
332

	  	
0

	  	  	  	  	  	
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431

	
333

	  	
0

	  	  	  	  	  	
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309

	
334

	  	
0

	  	  	  	  	  	
0

	  	
116

	
335

	  	
0

	  	  	  	  	  	
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41

	
336

	  	
0

	  	  	  	  	  	
0

	  	
162

	
337

	  	
0

	  	  	  	  	  	
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96

	
338

	  	
0

	  	  	  	  	  	
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451

	
339

	  	
0

	  	  	  	  	  	
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199

	
340

	  	
0

	  	  	  	  	  	
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299

	
341

	  	
0

	  	  	  	  	  	
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380

	
342

	  	
0

	  	  	  	  	  	
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107

	
343

	  	
0

	  	  	  	  	  	
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181

	
344

	  	
0

	  	  	  	  	  	
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74

	
345

	  	
0

	  	  	  	  	  	
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382

	
346

	  	
0

	  	  	  	  	  	
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2

	
347

	  	
0

	  	  	  	  	  	
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102

	
348

	  	
0

	  	  	  	  	  	
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436

	
349

	  	
0

	  	  	  	  	  	
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439

	
350

	  	
0

	  	  	  	  	  	
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55

	
351

	  	
0

	  	  	  	  	  	
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147

	
352

	  	
0

	  	  	  	  	  	
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458

	
353

	  	
0

	  	  	  	  	  	
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448

	
354

	  	
0

	  	  	  	  	  	
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410

	
355

	  	
0

	  	  	  	  	  	
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381

	
356

	  	
0

	  	  	  	  	  	
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234

	
357

	  	
0

	  	  	  	  	  	
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466

	
358

	  	
0

	  	  	  	  	  	
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198

	
359

	  	
0

	  	  	  	  	  	
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399

	
360

	  	
0

	  	  	  	  	  	
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217

	
361

	  	
0

	  	  	  	  	  	
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91

	
362

	  	
0

	  	  	  	  	  	
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105

	
363

	  	
0

	  	  	  	  	  	
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303

	
364

	  	
0

	  	  	  	  	  	
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354

	
365

	  	
0

	  	  	  	  	  	
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283

	
366

	  	
0

	  	  	  	  	  	
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251

	
367

	  	
0

	  	  	  	  	  	
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341

	
368

	  	
0

	  	  	  	  	  	
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336

	
369

	  	
0

	  	  	  	  	  	
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148

	
370

	  	
0

	  	  	  	  	  	
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424

	
371

	  	
0

	  	  	  	  	  	
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329

	
372

	  	
0

	  	  	  	  	  	
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245

	
373

	  	
0

	  	  	  	  	  	
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319

	
374

	  	
0

	  	  	  	  	  	
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384

	
375

	  	
0

	  	  	  	  	  	
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137

	
376

	  	
0

	  	  	  	  	  	
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233

	
377

	  	
0

	  	  	  	  	  	
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187

	
378

	  	
0

	  	  	  	  	  	
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376

	
379

	  	
0

	  	  	  	  	  	
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63

	
380

	  	
0

	  	  	  	  	  	
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59

	
381

	  	
0

	  	  	  	  	  	
0

	  	
44

	
382

	  	
0

	  	  	  	  	  	
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277

	
383

	  	
0

	  	  	  	  	  	
0

	  	
412

	
384

	  	
0

	  	  	  	  	  	
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291

	
385

	  	
0

	  	  	  	  	  	
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24

	
386

	  	
0

	  	  	  	  	  	
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259

	
387

	  	
0

	  	  	  	  	  	
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389

	
388

	  	
0

	  	  	  	  	  	
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435

	
389

	  	
0

	  	  	  	  	  	
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206

	
390

	  	
0

	  	  	  	  	  	
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289

	
391

	  	
0

	  	  	  	  	  	
0

	  	
468

	
392

	  	
0

	  	  	  	  	  	
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4

	
393

	  	
0

	  	  	  	  	  	
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338

	
394

	  	
0

	  	  	  	  	  	
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219

	
395

	  	
0

	  	  	  	  	  	
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305

	
396

	  	
0

	  	  	  	  	  	
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132

	
397

	  	
0

	  	  	  	  	  	
0

	  	
218

	
398

	  	
0

	  	  	  	  	  	
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450

	
399

	  	
0

	  	  	  	  	  	
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76

	
400

	  	
0

	  	  	  	  	  	
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97

	
401

	  	
0

	  	  	  	  	  	
0

	  	
261

	
402

	  	
0

	  	  	  	  	  	
0

	  	
433

	
403

	  	
0

	  	  	  	  	  	
0

	  	
306

	
404

	  	
0

	  	  	  	  	  	
0

	  	
393

	
405

	  	
0

	  	  	  	  	  	
0

	  	
188

	
406

	  	
0

	  	  	  	  	  	
0

	  	
90

	
407

	  	
0

	  	  	  	  	  	
0

	  	
216

	
408

	  	
0

	  	  	  	  	  	
0

	  	
20

	
409

	  	
0

	  	  	  	  	  	
0

	  	
149

	
410

	  	
0

	  	  	  	  	  	
0

	  	
264

	
411

	  	
0

	  	  	  	  	  	
0

	  	
123

	
412

	  	
0

	  	  	  	  	  	
0

	  	
227

	
413

	  	
0

	  	  	  	  	  	
0

	  	
337

	
414

	  	
0

	  	  	  	  	  	
0

	  	
19

	
415

	  	
0

	  	  	  	  	  	
0

	  	
235

	
416

	  	
0

	  	  	  	  	  	
0

	  	
129

	
417

	  	
0

	  	  	  	  	  	
0

	  	
205

	
418

	  	
0

	  	  	  	  	  	
0

	  	
263

	
419

	  	
0

	  	  	  	  	  	
0

	  	
112

	
420

	  	
0

	  	  	  	  	  	
0

	  	
443

	
421

	  	
0

	  	  	  	  	  	
0

	  	
204

	
422

	  	
0

	  	  	  	  	  	
0

	  	
447

	
423

	  	
0

	  	  	  	  	  	
0

	  	
158

	
424

	  	
0

	  	  	  	  	  	
0

	  	
176

	
425

	  	
0

	  	  	  	  	  	
0

	  	
404

	
426

	  	
0

	  	  	  	  	  	
0

	  	
409

	
427

	  	
0

	  	  	  	  	  	
0

	  	
425

	
428

	  	
0

	  	  	  	  	  	
0

	  	
160

	
429

	  	
0

	  	  	  	  	  	
0

	  	
144

	
430

	  	
0

	  	  	  	  	  	
0

	  	
335

	
431

	  	
0

	  	  	  	  	  	
0

	  	
405

	
432

	  	
0

	  	  	  	  	  	
0

	  	
182

	
433

	  	
0

	  	  	  	  	  	
0

	  	
52

	
434

	  	
0

	  	  	  	  	  	
0

	  	
358

	
435

	  	
0

	  	  	  	  	  	
0

	  	
190

	
436

	  	
0

	  	  	  	  	  	
0

	  	
347

	
437

	  	
0

	  	  	  	  	  	
0

	  	
386

	
438

	  	
0

	  	  	  	  	  	
0

	  	
454

	
439

	  	
0

	  	  	  	  	  	
0

	  	
230

	
440

	  	
0

	  	  	  	  	  	
0

	  	
202

	
441

	  	
0

	  	  	  	  	  	
0

	  	
238

	
442

	  	
0

	  	  	  	  	  	
0

	  	
15

	
443

	  	
0

	  	  	  	  	  	
0

	  	
326

	
444

	  	
0

	  	  	  	  	  	
0

	  	
154

	
445

	  	
0

	  	  	  	  	  	
0

	  	
152

	
446

	  	
0

	  	  	  	  	  	
0

	  	
8

	
447

	  	
0

	  	  	  	  	  	
0

	  	
151

	
448

	  	
0

	  	  	  	  	  	
0

	  	
293

	
449

	  	
0

	  	  	  	  	  	
0

	  	
373

	
450

	  	
0

	  	  	  	  	  	
0

	  	
30

	
451

	  	
0

	  	  	  	  	  	
0

	  	
333

	
452

	  	
0

	  	  	  	  	  	
0

	  	
98

	
453

	  	
0

	  	  	  	  	  	
0

	  	
94

	
454

	  	
0

	  	  	  	  	  	
0

	  	
56

	
455

	  	
0

	  	  	  	  	  	
0

	  	
130

	
456

	  	
0

	  	  	  	  	  	
0

	  	
328

	
457

	  	
0

	  	  	  	  	  	
0

	  	
6

	
458

	  	
0

	  	  	  	
20

	
1

	
60

	  	
232

	
459

	  	
0

	  	  	  	
20

	
1

	
60

	  	
240

	
460

	  	
0

	  	  	  	
20

	
1

	
60

	  	
374

	
461

	  	
0

	  	  	  	  	  	
0

	  	
353

	
462

	  	
0

	  	  	  	
20

	
1

	
60

	  	
222

	
463

	  	
0

	  	  	  	  	  	
0

	  	
285

	
464

	  	
0

	  	  	  	  	  	
0

	  	
426

	
465

	  	
0

	  	  	  	  	  	
0

	  	
183

	
466

	  	
0

	  	  	  	
20

	
1

	
60

	  	
387

	
467

	  	
0

	  	  	  	
20

	
1

	
60

	  	
361

	
468

	  	
0

	  	  	  	
20

	
1

	
60

	  	
36

	
469

	  	
0

	  	  	  	
20

	
1

	
60

	  	
179

	
470

	  	
0

	  	  	  	
20

	
1

	
60

	  	
207

	
471

	  	
0

	  	  	  	
20

	
1

	
60

	  	
177

	
472

	  	
0

	  	  	  	  	  	
0

	  	
82

	
473

	  	
0

	  	  	  	  	  	
0

	  	
69

 

	
KEY

	
Number of

Mortgaged

Properties

	
Total Number of

Borrowers

	
Self-employment

Flag

	
Current 

‘Other’

Monthly 

Payment

	
Length of

Employment:

Borrower

	
Length of

Employment: Co-

Borrower

	
Years 

in Home

	
FICO Model Used

	
Most 

Recent FICO

Date

	
Primary Wage

Earner Original

FICO: Equifax

	
1

	
1

	
3

	
0

	  	
5

	
13

	
2

	
1

	
20110825

	  
	
2

	
2

	
2

	
0

	  	
0

	
27

	
23

	
1

	
20110825

	  
	
3

	
1

	
2

	
0

	  	
5

	
1

	
2

	
1

	
20110825

	  
	
4

	
1

	
2

	
0

	  	
18

	
3

	
11

	
1

	
20110825

	  
	
5

	
1

	
1

	
0

	  	
0

	
0

	
7

	
1

	
20110825

	  
	
6

	
1

	
2

	
0

	  	
10

	
3

	
4

	
1

	
20110825

	  
	
7

	
1

	
2

	
1

	  	
2

	
3

	
7

	
1

	
20110825

	  
	
8

	
2

	
2

	
0

	  	
9

	
2

	
4

	
1

	
20110825

	  
	
9

	
1

	
2

	
0

	  	
7

	
2

	
2

	
1

	
20110825

	  
	
10

	
3

	
1

	
0

	  	
3

	
0

	
1

	
1

	
20110825

	  
	
11

	
1

	
2

	
0

	  	
3

	
10

	
6

	
1

	
20110825

	  
	
12

	
1

	
2

	
0

	  	
3

	
0

	
2

	
1

	
20110825

	  
	
13

	
1

	
2

	
0

	  	
20

	
9

	
3

	
1

	
20110825

	  
	
14

	
1

	
1

	
1

	  	
1

	
0

	
31

	
1

	
20110825

	  
	
15

	
1

	
2

	
0

	  	
10

	
0

	
11

	
1

	
20110825

	  
	
16

	
1

	
2

	
0

	  	
4

	
13

	
7

	
1

	
20110825

	  
	
17

	
1

	
1

	
0

	  	
11

	
0

	
5

	
1

	
20110825

	  
	
18

	
1

	
2

	
0

	  	
2

	
0

	
9

	
1

	
20110825

	  
	
19

	
1

	
1

	
0

	  	
1

	
0

	
1

	
1

	
20110825

	  
	
20

	
3

	
1

	
1

	  	
20

	
0

	
3

	
1

	
20110825

	  
	
21

	
2

	
2

	
0

	  	
0

	
0

	
4

	
1

	
20110825

	  
	
22

	
1

	
1

	
0

	  	
7

	
0

	
2

	
1

	
20110825

	  
	
23

	
1

	
2

	
1

	  	
3

	
5

	
1

	
1

	
20110825

	  
	
24

	
1

	
2

	
0

	  	
7

	
0

	
3

	
1

	
20110825

	  
	
25

	
1

	
2

	
1

	  	
4

	
10

	
2

	
1

	
20110825

	  
	
26

	
3

	
2

	
0

	  	
2

	
0

	
1

	
1

	
20110825

	  
	
27

	
1

	
2

	
1

	  	
7

	
11

	
2

	
1

	
20110825

	  
	
28

	
1

	
2

	
0

	  	
3

	
3

	
5

	
1

	
20110825

	  
	
29

	
2

	
2

	
0

	  	
18

	
0

	
12

	
1

	
20110825

	  
	
30

	
1

	
2

	
0

	  	
1

	
0

	
2

	
1

	
20110825

	  
	
31

	
2

	
1

	
0

	  	
3

	
0

	
10

	
1

	
20110825

	  
	
32

	
1

	
1

	
0

	  	
22

	
0

	
9

	
1

	
20110825

	  
	
33

	
1

	
1

	
0

	  	
3

	
0

	
1

	
1

	
20110825

	  
	
34

	
2

	
2

	
1

	  	
11

	
0

	
2

	
1

	
20110825

	  
	
35

	
1

	
2

	
1

	  	
7

	
0

	
7

	
1

	
20110825

	  
	
36

	
1

	
1

	
0

	  	
16

	
0

	
9

	
1

	
20110825

	  
	
37

	
2

	
1

	
0

	  	
3

	
0

	
1

	
1

	
20110825

	  
	
38

	
2

	
2

	
0

	  	
7

	
11

	
1

	
1

	
20110825

	  
	
39

	
1

	
1

	
0

	  	
15

	
0

	
5

	
1

	
20110825

	  
	
40

	
1

	
2

	
0

	  	
6

	
3

	
11

	
1

	
20110825

	  
	
41

	
1

	
2

	
0

	  	
0

	
16

	
13

	
1

	
20110825

	  
	
42

	
2

	
2

	
0

	  	
10

	
0

	
6

	
1

	
20110825

	  
	
43

	
2

	
1

	
0

	  	
27

	
0

	
21

	
1

	
20110825

	  
	
44

	
3

	
2

	
0

	  	
6

	
0

	
12

	
1

	
20110825

	  
	
45

	
1

	
2

	
0

	  	
0

	
0

	
35

	
1

	
20110825

	  
	
46

	
1

	
2

	
0

	  	
10

	
0

	
1

	
1

	
20110825

	  
	
47

	
1

	
2

	
0

	  	
12

	
0

	
0

	
1

	
20110825

	  
	
48

	
3

	
2

	
1

	  	
17

	
0

	
4

	
1

	
20110825

	  
	
49

	
1

	
2

	
1

	  	
7

	
0

	
19

	
1

	
20110825

	  
	
50

	
3

	
2

	
0

	  	
0

	
0

	
20

	
1

	
20110825

	  
	
51

	
3

	
2

	
1

	  	
33

	
0

	
8

	
1

	
20110825

	  
	
52

	
1

	
2

	
1

	  	
39

	
0

	
11

	
1

	
20110825

	  
	
53

	
1

	
1

	
0

	  	
4

	
0

	
1

	
1

	
20110825

	  
	
54

	
1

	
1

	
1

	  	
3

	
0

	
21

	
1

	
20110825

	  
	
55

	
1

	
2

	
1

	  	
7

	
0

	
6

	
1

	
20110825

	  
	
56

	
3

	
2

	
1

	  	
17

	
10

	
2

	
1

	
20110825

	  
	
57

	
2

	
1

	
0

	  	
28

	
0

	
25

	
1

	
20110825

	  
	
58

	
1

	
2

	
0

	  	
20

	
0

	
4

	
1

	
20110825

	  
	
59

	
1

	
1

	
0

	  	
35

	
0

	
35

	
1

	
20110825

	  
	
60

	
1

	
1

	
0

	  	
1

	
0

	
4

	
1

	
20110825

	  
	
61

	
2

	
2

	
0

	  	
1

	
0

	
6

	
1

	
20110825

	  
	
62

	
1

	
2

	
0

	  	
9

	
0

	
10

	
1

	
20110825

	  
	
63

	
1

	
1

	
0

	  	
1

	
0

	
20

	
1

	
20110825

	  
	
64

	
1

	
2

	
1

	  	
5

	
0

	
4

	
1

	
20110825

	  
	
65

	
1

	
2

	
0

	  	
6

	
0

	
5

	
1

	
20110825

	  
	
66

	
1

	
2

	
0

	  	
0

	
0

	
17

	
1

	
20110825

	  
	
67

	
2

	
1

	
0

	  	
1

	
0

	
6

	
1

	
20110825

	  
	
68

	
1

	
1

	
0

	  	
0

	
0

	
20

	
1

	
20110825

	  
	
69

	
3

	
2

	
0

	  	
16

	
0

	
9

	
1

	
20110825

	  
	
70

	
2

	
2

	
0

	  	
28

	
0

	
13

	
1

	
20110825

	  
	
71

	
1

	
2

	
1

	  	
20

	
0

	
2

	
1

	
20110825

	  
	
72

	
1

	
2

	
0

	  	
20

	
0

	
8

	
1

	
20110825

	  
	
73

	
2

	
1

	
1

	  	
39

	
0

	
10

	
1

	
20110825

	  
	
74

	
1

	
2

	
1

	  	
10

	
0

	
2

	
1

	
20110825

	  
	
75

	
2

	
2

	
0

	  	
2

	
0

	
9

	
1

	
20110825

	  
	
76

	
2

	
2

	
1

	  	
10

	
10

	
1

	
1

	
20110825

	  
	
77

	
2

	
2

	
0

	  	
2

	
2

	
5

	
1

	
20110825

	  
	
78

	
2

	
2

	
0

	  	
2

	
2

	
5

	
1

	
20110825

	  
	
79

	
1

	
1

	
0

	  	
3

	
0

	
4

	
1

	
20110825

	  
	
80

	
3

	
2

	
0

	  	
0

	
0

	
11

	
1

	
20110825

	  
	
81

	
2

	
2

	
1

	  	
13

	
0

	
13

	
1

	
20110825

	  
	
82

	
2

	
2

	
0

	  	
13

	
0

	
12

	
1

	
20110825

	  
	
83

	
2

	
2

	
0

	  	
24

	
0

	
24

	
1

	
20110825

	  
	
84

	
1

	
2

	
1

	  	
15

	
15

	
4

	
1

	
20110825

	  
	
85

	
1

	
2

	
0

	  	
3

	
3

	
2

	
1

	
20110825

	  
	
86

	
1

	
2

	
1

	  	
20

	
0

	
10

	
1

	
20110825

	  
	
87

	
1

	
2

	
0

	  	
3

	
0

	
3

	
1

	
20110825

	  
	
88

	
6

	
1

	
0

	  	
27

	
0

	
7

	
1

	
20110825

	  
	
89

	
1

	
2

	
1

	  	
4

	
0

	
3

	
1

	
20110825

	  
	
90

	
1

	
2

	
0

	  	
8

	
4

	
1

	
1

	
20110825

	  
	
91

	
1

	
2

	
0

	  	
2

	
0

	
2

	
1

	
20110825

	  
	
92

	
3

	
2

	
0

	  	
12

	
3

	
3

	
1

	
20110825

	  
	
93

	
1

	
1

	
1

	  	
19

	
0

	
7

	
1

	
20110825

	  
	
94

	
1

	
2

	
1

	  	
20

	
0

	
12

	
1

	
20110825

	  
	
95

	
2

	
1

	
0

	  	
17

	
0

	
16

	
1

	
20110825

	  
	
96

	
1

	
4

	
1

	  	
5

	
5

	
1

	
1

	
20110825

	  
	
97

	
2

	
2

	
0

	  	
5

	
7

	
3

	
1

	
20110825

	  
	
98

	
3

	
1

	
1

	  	
11

	
0

	
8

	
1

	
20110825

	  
	
99

	
1

	
2

	
1

	  	
2

	
3

	
10

	
1

	
20110825

	  
	
100

	
2

	
2

	
0

	  	
3

	
0

	
10

	
1

	
20110825

	  
	
101

	
1

	
2

	
0

	  	
1

	
0

	
7

	
1

	
20110825

	  
	
102

	
2

	
1

	
0

	  	
1

	
0

	
11

	
1

	
20110825

	  
	
103

	
1

	
1

	
0

	  	
3

	
0

	
10

	
1

	
20110825

	  
	
104

	
1

	
1

	
1

	  	
2

	
0

	
2

	
1

	
20110825

	  
	
105

	
1

	
2

	
0

	  	
6

	
1

	
6

	
1

	
20110825

	  
	
106

	
2

	
2

	
1

	  	
11

	
2

	
0

	
1

	
20110825

	  
	
107

	
3

	
1

	
0

	  	
6

	
0

	
3

	
1

	
20110825

	  
	
108

	
3

	
2

	
1

	  	
21

	
21

	
8

	
1

	
20110825

	  
	
109

	
2

	
2

	
1

	  	
8

	
8

	
5

	
1

	
20110825

	  
	
110

	
1

	
2

	
0

	  	
6

	
0

	
1

	
1

	
20110825

	  
	
111

	
1

	
2

	
0

	  	
4

	
0

	
10

	
1

	
20110825

	  
	
112

	
1

	
1

	
0

	  	
13

	
0

	
14

	
1

	
20110825

	  
	
113

	
1

	
2

	
1

	  	
4

	
14

	
1

	
1

	
20110825

	  
	
114

	
1

	
2

	
0

	  	
1

	
0

	
4

	
1

	
20110825

	  
	
115

	
1

	
3

	
0

	  	
3

	
0

	
2

	
1

	
20110825

	  
	
116

	
2

	
2

	
0

	  	
21

	
5

	
2

	
1

	
20110825

	  
	
117

	
1

	
2

	
1

	  	
43

	
0

	
7

	
1

	
20110825

	  
	
118

	
2

	
2

	
0

	  	
1

	
0

	
0

	
1

	
20110825

	  
	
119

	
1

	
2

	
0

	  	
3

	
0

	
2

	
1

	
20110825

	  
	
120

	
1

	
2

	
0

	  	
4

	
1

	
2

	
1

	
20110825

	  
	
121

	
1

	
2

	
0

	  	
23

	
12

	
27

	
1

	
20110825

	  
	
122

	
1

	
2

	
1

	  	
34

	
7

	
16

	
1

	
20110825

	  
	
123

	
1

	
2

	
0

	  	
6

	
5

	
0

	
1

	
20110825

	  
	
124

	
1

	
2

	
1

	  	
20

	
21

	
3

	
1

	
20110825

	  
	
125

	
4

	
1

	
1

	  	
23

	
0

	
11

	
1

	
20110825

	  
	
126

	
1

	
2

	
0

	  	
3

	
2

	
1

	
1

	
20110825

	  
	
127

	
1

	
2

	
0

	  	
0

	
0

	
2

	
1

	
20110825

	  
	
128

	
2

	
2

	
0

	  	
3

	
0

	
5

	
1

	
20110825

	  
	
129

	
2

	
1

	
1

	  	
0

	
0

	
12

	
1

	
20110825

	  
	
130

	
1

	
2

	
1

	  	
31

	
30

	
1

	
1

	
20110825

	  
	
131

	
1

	
1

	
0

	  	
25

	
0

	
36

	
1

	
20110825

	  
	
132

	
3

	
3

	
0

	  	
10

	
14

	
3

	
1

	
20110825

	  
	
133

	
2

	
2

	
0

	  	
0

	
0

	
7

	
1

	
20110825

	  
	
134

	
1

	
1

	
0

	  	
2

	
0

	
2

	
1

	
20110825

	  
	
135

	
2

	
2

	
0

	  	
13

	
0

	
1

	
1

	
20110825

	  
	
136

	
2

	
1

	
0

	  	
10

	
0

	
6

	
1

	
20110825

	  
	
137

	
1

	
2

	
0

	  	
1

	
1

	
5

	
1

	
20110825

	  
	
138

	
1

	
1

	
0

	  	
5

	
0

	
10

	
1

	
20110825

	  
	
139

	
2

	
2

	
1

	  	
7

	
1

	
1

	
1

	
20110825

	  
	
140

	
3

	
2

	
1

	  	
16

	
5

	
0

	
1

	
20110825

	  
	
141

	
1

	
1

	
0

	  	
18

	
0

	
5

	
1

	
20110825

	  
	
142

	
2

	
2

	
1

	  	
2

	
0

	
7

	
1

	
20110825

	  
	
143

	
1

	
2

	
0

	  	
7

	
13

	
4

	
1

	
20110825

	  
	
144

	
1

	
2

	
1

	  	
10

	
6

	
0

	
1

	  	  
	
145

	
3

	
1

	
1

	  	
3

	  	
0

	
1

	  	  
	
146

	
1

	
2

	
0

	  	
11

	  	
0

	
1

	  	  
	
147

	
1

	
2

	
1

	  	
3

	  	
8

	
1

	  	  
	
148

	
1

	
2

	
0

	  	
10

	
8

	
0

	
1

	
20110825

	  
	
149

	
2

	
2

	
0

	  	
7

	
15

	
0

	
1

	  	  
	
150

	
1

	
2

	
0

	  	
7

	
10

	
3

	
1

	  	  
	
151

	
1

	
2

	
1

	  	
30

	  	
6

	
1

	
20110825

	  
	
152

	
1

	
2

	
0

	  	
8

	  	
2

	
1

	
20110825

	  
	
153

	
1

	
2

	
0

	  	
8

	  	
4

	
1

	
20110825

	  
	
154

	
2

	
2

	
0

	  	
0

	  	
0

	
1

	  	  
	
155

	
1

	
2

	
0

	  	
8

	
11

	
11

	
1

	  	  
	
156

	
1

	
2

	
0

	  	
1

	  	
1

	
1

	  	  
	
157

	
1

	
2

	
1

	  	
13

	
8

	
0

	
1

	  	  
	
158

	
1

	
2

	
0

	  	
9

	  	
0

	
1

	  	  
	
159

	
1

	
2

	
0

	  	
1

	  	
0

	
1

	  	  
	
160

	
2

	
2

	
0

	  	
1

	  	
0

	
1

	  	  
	
161

	
1

	
1

	
0

	  	
0

	  	
0

	
1

	  	  
	
162

	
1

	
2

	
1

	  	
17

	  	
0

	
1

	  	  
	
163

	
1

	
1

	
1

	  	
2

	  	
0

	
1

	  	  
	
164

	
1

	
2

	
0

	  	
3

	
3

	
0

	
1

	  	  
	
165

	
2

	
2

	
0

	  	
2

	  	
0

	
1

	  	  
	
166

	
1

	
2

	
0

	  	
0

	  	
4

	
1

	
20110825

	  
	
167

	
1

	
1

	
0

	  	
8

	  	
6

	
1

	
20110825

	  
	
168

	
3

	
2

	
0

	  	
1

	  	
9

	
1

	
20110825

	  
	
169

	
1

	
1

	
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99

	  	
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20110825

	  
	
170

	
1

	
2

	
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20110825

	  
	
171

	
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7

	
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20110825

	  
	
172

	
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20110825

	  
	
173

	
2

	
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20110825

	  
	
174

	
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20110825

	  
	
175

	
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20110825

	  
	
176

	
2

	
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28

	  	
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20110825

	  
	
177

	
2

	
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40

	  	
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1

	
20110825

	  
	
178

	
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20110825

	  
	
179

	
2

	
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10

	  	
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20110825

	  
	
180

	
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20110825

	  
	
181

	
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1

	
20110825

	  
	
182

	
3

	
1

	
1

	  	
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20110825

	  
	
183

	
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1

	
20110825

	  
	
184

	
5

	
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7

	
7

	
38

	
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20110825

	  
	
185

	
1

	
2

	
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20110825

	  
	
186

	
1

	
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1

	  	
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2

	
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1

	
20110825

	  
	
187

	
2

	
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15

	
5

	
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1

	
20110825

	  
	
188

	
2

	
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1

	  	
19

	
9

	
9

	
1

	
20110825

	  
	
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1

	
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1

	  	
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10

	
8

	
1

	
20110825

	  
	
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1

	
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6

	
8

	
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20110825

	  
	
191

	
1

	
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10

	
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1

	
20110825

	  
	
192

	
1

	
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7

	
3

	
6

	
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20110825

	  
	
193

	
6

	
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1

	  	
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8

	
1

	
1

	
20110825

	  
	
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3

	
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3

	
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20110825

	  
	
195

	
1

	
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5

	
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20110825

	  
	
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1

	
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3

	  	
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20110825

	  
	
197

	
2

	
1

	
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15

	  	
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20110825

	  
	
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2

	
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20110825

	  
	
199

	
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25

	  	
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20110825

	  
	
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22

	  	
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20110825

	  
	
201

	
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2

	
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20110825

	  
	
202

	
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13

	
1

	
20110825

	  
	
203

	
2

	
1

	
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8

	  	
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1

	
20110825

	  
	
204

	
1

	
2

	
0

	  	
99

	
27

	
36

	
1

	
20110825

	  
	
205

	
1

	
2

	
1

	  	
4

	
11

	
14

	
1

	
20110825

	  
	
206

	
1

	
1

	
1

	  	
5

	  	
14

	
1

	
20110825

	  
	
207

	
1

	
2

	
0

	  	
8

	  	
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20110825

	  
	
208

	
3

	
2

	
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99

	  	
7

	
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20110825

	  
	
209

	
2

	
2

	
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12

	  	
10

	
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20110825

	  
	
210

	
1

	
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4

	
4

	
1

	
20110825

	  
	
211

	
3

	
2

	
1

	  	
13

	
14

	
15

	
1

	
20110825

	  
	
212

	
3

	
2

	
1

	  	
39

	  	
5

	
1

	
20110825

	  
	
213

	
1

	
1

	
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35

	  	
19

	
1

	
20110825

	  
	
214

	
1

	
2

	
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19

	
20

	
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20110825

	  
	
215

	
3

	
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1

	  	
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1

	
20110825

	  
	
216

	
4

	
2

	
1

	  	
36

	
36

	
8

	
1

	
20110825

	  
	
217

	
2

	
1

	
1

	  	
16

	  	
0

	
1

	
20110825

	  
	
218

	
1

	
2

	
0

	  	
10

	  	
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1

	
20110825

	  
	
219

	
2

	
2

	
0

	  	
4

	  	
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1

	
20110825

	  
	
220

	
4

	
1

	
1

	  	
9

	  	
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20110825

	  
	
221

	
1

	
2

	
0

	  	
24

	  	
14

	
1

	
20110825

	  
	
222

	
1

	
1

	
0

	  	
3

	  	
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1

	
20110825

	  
	
223

	
1

	
2

	
0

	  	
2

	  	
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1

	
20110825

	  
	
224

	
1

	
2

	
1

	  	
16

	  	
14

	
1

	
20110825

	  
	
225

	
1

	
2

	
0

	  	
10

	  	
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1

	
20110825

	  
	
226

	
1

	
2

	
0

	  	
19

	  	
0

	
1

	
20110825

	  
	
227

	
1

	
2

	
0

	  	
5

	
21

	
6

	
1

	  	  
	
228

	
3

	
2

	
1

	  	
6

	
7

	
0

	
1

	
20110825

	  
	
229

	
2

	
2

	
0

	  	
13

	  	
0

	
1

	
20110825

	  
	
230

	
2

	
2

	
0

	  	
4

	
9

	
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1

	  	  
	
231

	
1

	
2

	
0

	  	
12

	
5

	
5

	
1

	
20110825

	  
	
232

	
2

	
2

	
1

	  	
11

	  	
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1

	  	  
	
233

	
1

	
2

	
0

	  	
3

	
5

	
3

	
1

	  	  
	
234

	
2

	
2

	
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26

	
27

	
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1

	  	  
	
235

	
1

	
2

	
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5

	
5

	
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1

	  	  
	
236

	
1

	
2

	
1

	  	
7

	  	
11

	
1

	  	  
	
237

	
1

	
2

	
1

	  	
4

	  	
10

	
1

	  	  
	
238

	
1

	
2

	
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1

	  	
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1

	  	  
	
239

	
1

	
2

	
0

	  	
1

	  	
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1

	  	  
	
240

	
2

	
2

	
1

	  	
7

	
7

	
0

	
1

	  	  
	
241

	
2

	
2

	
1

	  	
30

	  	
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1

	  	  
	
242

	
2

	
2

	
1

	  	
6

	
4

	
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1

	  	  
	
243

	
2

	
2

	
0

	  	
8

	
2

	
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1

	  	  
	
244

	
2

	
2

	
1

	  	
3

	  	
0

	
1

	  	  
	
245

	
2

	
2

	
0

	  	
9

	  	
0

	
1

	  	  
	
246

	
2

	
2

	
1

	  	
3

	  	
3

	
1

	  	  
	
247

	
2

	
2

	
0

	  	
23

	  	
0

	
1

	  	  
	
248

	
2

	
2

	
0

	  	
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0

	
0

	
1

	  	  
	
249

	
1

	
2

	
0

	  	
0

	  	
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1

	  	  
	
250

	
1

	
2

	
0

	  	
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10

	
6

	
1

	
20110825

	  
	
251

	
1

	
2

	
0

	  	
17

	
30

	
7

	
1

	
20110825

	  
	
252

	
2

	
2

	
1

	  	
8

	
6

	
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1

	
20110825

	  
	
253

	
1

	
2

	
0

	  	
4

	  	
3

	
1

	
20110825

	  
	
254

	
2

	
2

	
0

	  	
25

	
2

	
0

	
1

	
20110825

	  
	
255

	
2

	
2

	
0

	  	
2

	  	
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1

	
20110825

	  
	
256

	
4

	
2

	
0

	  	
20

	  	
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1

	
20110825

	  
	
257

	
1

	
1

	
0

	  	
0

	  	
6

	
1

	
20110825

	  
	
258

	
1

	
1

	
1

	  	
10

	  	
0

	
1

	
20110825

	  
	
259

	
1

	
2

	
0

	  	
4

	
4

	
0

	
1

	
20110825

	  
	
260

	
1

	
1

	
0

	  	
7

	  	
0

	
1

	
20110825

	  
	
261

	
1

	
2

	
0

	  	
1

	  	
5

	
1

	
20110825

	  
	
262

	
1

	
2

	
1

	  	
24

	  	
15

	
1

	
20110825

	  
	
263

	
3

	
1

	
1

	  	
16

	  	
2

	
1

	
20110825

	  
	
264

	
2

	
2

	
0

	  	
2

	
10

	
0

	
1

	
20110825

	  
	
265

	
1

	
2

	
1

	  	
3

	
6

	
0

	
1

	
20110825

	  
	
266

	
1

	
2

	
0

	  	
1

	  	
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1

	
20110825

	  
	
267

	
1

	
1

	
0

	  	
5

	  	
3

	
1

	
20110825

	  
	
268

	
1

	
2

	
0

	  	
7

	  	
13

	
1

	
20110825

	  
	
269

	
2

	
2

	
0

	  	
1

	
9

	
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1

	
20110825

	  
	
270

	
1

	
2

	
0

	  	
19

	  	
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1

	
20110825

	  
	
271

	
1

	
2

	
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5

	
8

	
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1

	
20110825

	  
	
272

	
1

	
2

	
1

	  	
24

	  	
13

	
1

	  	  
	
273

	
1

	
2

	
1

	  	
2

	  	
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1

	
20110825

	  
	
274

	
2

	
2

	
1

	  	
8

	
8

	
2

	
1

	  	  
	
275

	
1

	
2

	
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7

	  	
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276

	
1

	
2

	
1

	  	
31

	
17

	
9

	
1

	  	  
	
277

	
2

	
2

	
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16

	
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1

	  	  
	
278

	
1

	
2

	
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3

	
6

	
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279

	
1

	
2

	
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6

	
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1

	
1

	  	  
	
280

	
2

	
2

	
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281

	
1

	
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1

	  	
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1

	  	  
	
282

	
2

	
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283

	
1

	
2

	
0

	  	
12

	
4

	
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1

	  	  
	
284

	
1

	
2

	
0

	  	
10

	
3

	
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1

	  	  
	
285

	
2

	
2

	
1

	  	
8

	
8

	
1

	
1

	  	  
	
286

	
1

	
2

	
0

	  	
15

	
18

	
8

	
1

	  	  
	
287

	
2

	
2

	
1

	  	
32

	
10

	
22

	
1

	  	  
	
288

	
1

	
2

	
1

	  	
3

	  	
0

	
1

	  	  
	
289

	
2

	
2

	
0

	  	
99

	  	
0

	
1

	  	  
	
290

	
2

	
2

	
0

	  	
10

	  	
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1

	  	  
	
291

	
2

	
2

	
1

	  	
6

	
10

	
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1

	  	  
	
292

	
1

	
2

	
0

	  	
9

	
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3

	
1

	  	  
	
293

	
1

	
2

	
0

	  	
3

	
4

	
0

	
1

	  	  
	
294

	
2

	
2

	
0

	  	
11

	
14

	
0

	
1

	  	  
	
295

	
4

	
1

	
1

	  	
13

	  	
0

	
1

	  	  
	
296

	
2

	
2

	
0

	  	
20

	
15

	
7

	
1

	  	  
	
297

	
2

	
2

	
1

	  	
7

	
7

	
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1

	  	  
	
298

	
3

	
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0

	  	
0

	  	
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1

	  	  
	
299

	
1

	
2

	
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6

	
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300

	
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16

	  	
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1

	  	  
	
301

	
1

	
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0

	  	
11

	  	
3

	
1

	  	  
	
302

	
2

	
2

	
0

	  	
4

	
3

	
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1

	
20110825

	  
	
303

	
1

	
2

	
0

	  	
4

	  	
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1

	  	  
	
304

	
1

	
2

	
0

	  	
0

	  	
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1

	
20110825

	  
	
305

	
2

	
1

	
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2

	  	
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1

	  	  
	
306

	
2

	
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0

	  	
4

	  	
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1

	  	  
	
307

	
1

	
1

	
1

	  	
30

	  	
6

	
1

	
20110825

	  
	
308

	
1

	
2

	
0

	  	
19

	  	
0

	
1

	
20110825

	  
	
309

	
1

	
1

	
0

	  	
9

	  	
2

	
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20110825

	  
	
310

	
1

	
1

	
1

	  	
29

	  	
5

	
1

	
20110825

	  
	
311

	
1

	
2

	
0

	  	
1

	
7

	
8

	
1

	
20110825

	  
	
312

	
2

	
2

	
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13

	
14

	
0

	
1

	
20110825

	  
	
313

	
1

	
2

	
1

	  	
35

	  	
7

	
1

	
20110825

	  
	
314

	
1

	
2

	
0

	  	
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4

	
6

	
1

	
20110825

	  
	
315

	
1

	
1

	
1

	  	
2

	  	
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1

	  	  
	
316

	
1

	
1

	
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1

	  	
1

	
1

	
20110825

	  
	
317

	
1

	
1

	
1

	  	
35

	  	
18

	
1

	
20110825

	  
	
318

	
2

	
2

	
0

	  	
0

	
2

	
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1

	
20110825

	  
	
319

	
2

	
2

	
0

	  	
1

	
12

	
0

	
1

	
20110825

	  
	
320

	
1

	
1

	
0

	  	
4

	  	
3

	
1

	
20110825

	  
	
321

	
1

	
2

	
0

	  	
1

	  	
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1

	
20110825

	  
	
322

	
1

	
1

	
0

	  	
1

	  	
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1

	
20110825

	  
	
323

	
1

	
2

	
0

	  	
11

	  	
6

	
1

	  	  
	
324

	
1

	
2

	
0

	  	
16

	  	
0

	
1

	
20110825

	  
	
325

	
1

	
2

	
0

	  	
2

	  	
2

	
1

	  	  
	
326

	
1

	
2

	
0

	  	
7

	  	
4

	
1

	
20110825

	  
	
327

	
1

	
2

	
1

	  	
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13

	
5

	
1

	  	  
	
328

	
1

	
2

	
0

	  	
25

	  	
0

	
1

	
20110825

	  
	
329

	
1

	
2

	
0

	  	
5

	
15

	
5

	
1

	
20110825

	  
	
330

	
2

	
1

	
0

	  	
16

	  	
0

	
1

	
20110825

	  
	
331

	
2

	
2

	
0

	  	
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6

	
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1

	
20110825

	  
	
332

	
2

	
2

	
0

	  	
0

	  	
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1

	  	  
	
333

	
1

	
1

	
0

	  	
1

	  	
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1

	
20110825

	  
	
334

	
1

	
2

	
0

	  	
8

	  	
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1

	  	  
	
335

	
2

	
2

	
0

	  	
6

	
1

	
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1

	  	  
	
336

	
1

	
2

	
0

	  	
1

	
3

	
0

	
1

	
20110825

	  
	
337

	
1

	
2

	
0

	  	
9

	  	
13

	
1

	
20110825

	  
	
338

	
2

	
2

	
0

	  	
10

	
4

	
0

	
1

	
20110825

	  
	
339

	
1

	
1

	
0

	  	
5

	  	
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1

	
20110825

	  
	
340

	
2

	
2

	
0

	  	
12

	
11

	
0

	
1

	  	  
	
341

	
3

	
2

	
1

	  	
28

	
2

	
0

	
1

	  	  
	
342

	
2

	
2

	
0

	  	
12

	
9

	
0

	
1

	  	  
	
343

	
1

	
2

	
0

	  	
19

	  	
7

	
1

	
20110825

	  
	
344

	
1

	
1

	
0

	  	
13

	  	
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1

	
20110825

	  
	
345

	
1

	
2

	
0

	  	
0

	  	
0

	
1

	
20110825

	  
	
346

	
1

	
2

	
0

	  	
2

	  	
1

	
1

	
20110825

	  
	
347

	
1

	
2

	
0

	  	
3

	
4

	
8

	
1

	
20110825

	  
	
348

	
3

	
1

	
1

	  	
11

	  	
5

	
1

	
20110825

	  
	
349

	
1

	
2

	
0

	  	
7

	
1

	
4

	
1

	
20110825

	  
	
350

	
1

	
2

	
1

	  	
29

	  	
0

	
1

	
20110825

	  
	
351

	
1

	
2

	
1

	  	
14

	  	
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1

	
20110825

	  
	
352

	
1

	
2

	
0

	  	
32

	  	
12

	
1

	
20110825

	  
	
353

	
2

	
1

	
0

	  	
11

	  	
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1

	
20110825

	  
	
354

	
1

	
2

	
0

	  	
6

	
2

	
3

	
1

	
20110825

	  
	
355

	
1

	
2

	
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14

	  	
5

	
1

	
20110825

	  
	
356

	
1

	
1

	
1

	  	
4

	  	
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1

	
20110825

	  
	
357

	
2

	
2

	
0

	  	
27

	
18

	
10

	
1

	
20110825

	  
	
358

	
2

	
2

	
0

	  	
1

	
10

	
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1

	
20110825

	  
	
359

	
1

	
1

	
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13

	  	
6

	
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20110825

	  
	
360

	
1

	
2

	
1

	  	
9

	  	
3

	
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20110825

	  
	
361

	
1

	
2

	
0

	  	
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18

	
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20110825

	  
	
362

	
1

	
2

	
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3

	
10

	
1

	
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20110825

	  
	
363

	
1

	
2

	
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12

	  	
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1

	
20110825

	  
	
364

	
2

	
2

	
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2

	  	
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20110825

	  
	
365

	
1

	
2

	
0

	  	
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3

	
7

	
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20110825

	  
	
366

	
1

	
2

	
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8

	
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20110825

	  
	
367

	
1

	
2

	
1

	  	
15

	
14

	
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1

	
20110825

	  
	
368

	
2

	
2

	
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12

	  	
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20110825

	  
	
369

	
1

	
2

	
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4

	  	
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20110825

	  
	
370

	
2

	
2

	
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5

	
12

	
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20110825

	  
	
371

	
1

	
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25

	
14

	
11

	
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20110825

	  
	
372

	
1

	
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20110825

	  
	
373

	
1

	
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20110825

	  
	
374

	
1

	
2

	
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22

	
6

	
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20110825

	  
	
375

	
2

	
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9

	
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6

	
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20110825

	  
	
376

	
1

	
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4

	  	
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20110825

	  
	
377

	
1

	
2

	
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2

	
1

	
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20110825

	  
	
378

	
1

	
2

	
1

	  	
14

	  	
7

	
1

	
20110825

	  
	
379

	
1

	
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0

	  	
7

	
2

	
2

	
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20110825

	  
	
380

	
1

	
2

	
1

	  	
4

	  	
5

	
1

	
20110825

	  
	
381

	
2

	
2

	
1

	  	
4

	  	
0

	
1

	
20110825

	  
	
382

	
2

	
2

	
0

	  	
2

	  	
1

	
1

	
20110825

	  
	
383

	
1

	
2

	
0

	  	
6

	  	
0

	
1

	  	  
	
384

	
2

	
2

	
0

	  	
5

	  	
0

	
1

	  	  
	
385

	
1

	
2

	
0

	  	
7

	  	
0

	
1

	  	  
	
386

	
1

	
2

	
0

	  	
1

	  	
3

	
1

	  	  
	
387

	
2

	
2

	
0

	  	
4

	  	
4

	
1

	  	  
	
388

	
1

	
2

	
0

	  	
19

	  	
17

	
1

	  	  
	
389

	
1

	
2

	
1

	  	
2

	
2

	
6

	
1

	  	  
	
390

	
1

	
2

	
0

	  	
12

	  	
3

	
1

	  	  
	
391

	
2

	
2

	
0

	  	
5

	
3

	
2

	
1

	  	  
	
392

	
5

	
2

	
0

	  	
5

	
4

	
4

	
1

	  	  
	
393

	
2

	
1

	
0

	  	
1

	  	
12

	
1

	  	  
	
394

	
1

	
2

	
0

	  	
4

	  	
6

	
1

	  	  
	
395

	
2

	
1

	
0

	  	
5

	  	
9

	
1

	  	  
	
396

	
1

	
2

	
0

	  	
12

	  	
11

	
1

	  	  
	
397

	
1

	
2

	
1

	  	
5

	
9

	
2

	
1

	  	  
	
398

	
1

	
2

	
0

	  	
14

	  	
1

	
1

	  	  
	
399

	
1

	
2

	
1

	  	
23

	  	
2

	
1

	  	  
	
400

	
2

	
2

	
0

	  	
3

	  	
5

	
1

	  	  
	
401

	
2

	
2

	
0

	  	
19

	  	
3

	
1

	  	  
	
402

	
2

	
2

	
0

	  	
25

	
25

	
7

	
1

	  	  
	
403

	
1

	
2

	
0

	  	
10

	  	
4

	
1

	  	  
	
404

	
1

	
2

	
0

	  	
10

	
2

	
4

	
1

	  	  
	
405

	
2

	
2

	
1

	  	
13

	
13

	
7

	
1

	  	  
	
406

	
3

	
2

	
1

	  	
8

	
8

	
4

	
1

	  	  
	
407

	
1

	
2

	
0

	  	
15

	  	
18

	
1

	  	  
	
408

	
1

	
2

	
0

	  	
9

	  	
8

	
1

	  	  
	
409

	
2

	
2

	
1

	  	
3

	
4

	
24

	
1

	  	  
	
410

	
2

	
2

	
0

	  	
9

	  	
3

	
1

	  	  
	
411

	
2

	
2

	
0

	  	
2

	  	
2

	
1

	  	  
	
412

	
2

	
2

	
0

	  	
26

	
11

	
4

	
1

	  	  
	
413

	
1

	
2

	
1

	  	
9

	  	
3

	
1

	  	  
	
414

	
1

	
2

	
0

	  	
2

	
1

	
5

	
1

	  	  
	
415

	
1

	
2

	
0

	  	
19

	
5

	
5

	
1

	  	  
	
416

	
1

	
2

	
0

	  	
20

	  	
3

	
1

	  	  
	
417

	
1

	
2

	
0

	  	
0

	
20

	
4

	
1

	  	  
	
418

	
2

	
2

	
1

	  	
21

	
7

	
0

	
1

	
20110825

	  
	
419

	
2

	
2

	
0

	  	
11

	  	
0

	
1

	  	  
	
420

	
1

	
2

	
0

	  	
2

	
16

	
11

	
1

	
20110825

	  
	
421

	
1

	
2

	
0

	  	
99

	  	
11

	
1

	
20110825

	  
	
422

	
2

	
2

	
0

	  	
24

	  	
0

	
1

	
20110825

	  
	
423

	
2

	
1

	
0

	  	
5

	  	
0

	
1

	
20110825

	  
	
424

	
2

	
2

	
0

	  	
7

	
13

	
0

	
1

	
20110825

	  
	
425

	
1

	
2

	
0

	  	
99

	  	
11

	
1

	  	  
	
426

	
1

	
2

	
0

	  	
17

	  	
0

	
1

	
20110825

	  
	
427

	
1

	
2

	
1

	  	
7

	
19

	
10

	
1

	
20110825

	  
	
428

	
1

	
2

	
0

	  	
20

	  	
7

	
1

	
20110825

	  
	
429

	
1

	
1

	
0

	  	
10

	  	
10

	
1

	
20110825

	  
	
430

	
1

	
2

	
1

	  	
4

	
16

	
6

	
1

	
20110825

	  
	
431

	
1

	
2

	
0

	  	
11

	
6

	
6

	
1

	
20110825

	  
	
432

	
1

	
2

	
0

	  	
1

	
6

	
4

	
1

	
20110825

	  
	
433

	
1

	
2

	
0

	  	
12

	
9

	
0

	
1

	
20110825

	  
	
434

	
2

	
2

	
1

	  	
9

	
9

	
4

	
1

	
20110825

	  
	
435

	
1

	
2

	
0

	  	
8

	
11

	
1

	
1

	
20110825

	  
	
436

	
1

	
2

	
0

	  	
0

	
1

	
0

	
1

	
20110825

	  
	
437

	
2

	
2

	
0

	  	
1

	
4

	
1

	
1

	
20110825

	  
	
438

	
1

	
2

	
0

	  	
13

	
11

	
4

	
1

	
20110825

	  
	
439

	
2

	
1

	
1

	  	
9

	  	
0

	
1

	
20110825

	  
	
440

	
2

	
1

	
0

	  	
0

	  	
0

	
1

	
20110825

	  
	
441

	
2

	
2

	
1

	  	
10

	
4

	
2

	
1

	
20110825

	  
	
442

	
2

	
1

	
0

	  	
13

	  	
0

	
1

	
20110825

	  
	
443

	
1

	
2

	
0

	  	
12

	
6

	
3

	
1

	
20110825

	  
	
444

	
1

	
2

	
0

	  	
6

	
4

	
0

	
1

	
20110825

	  
	
445

	
1

	
1

	
0

	  	
0

	  	
0

	
1

	
20110825

	  
	
446

	
1

	
1

	
1

	  	
9

	  	
3

	
1

	
20110825

	  
	
447

	
1

	
2

	
0

	  	
2

	
22

	
0

	
1

	
20110825

	  
	
448

	
1

	
2

	
0

	  	
0

	  	
0

	
1

	
20110825

	  
	
449

	
2

	
1

	
1

	  	
8

	  	
1

	
1

	
20110825

	  
	
450

	
2

	
2

	
0

	  	
2

	
10

	
3

	
1

	
20110825

	  
	
451

	
1

	
2

	
0

	  	
1

	  	
7

	
1

	
20110825

	  
	
452

	
1

	
2

	
0

	  	
0

	
2

	
2

	
1

	
20110825

	  
	
453

	
1

	
2

	
0

	  	
7

	
7

	
6

	
1

	
20110825

	  
	
454

	
1

	
2

	
0

	  	
6

	  	
13

	
1

	
20110825

	  
	
455

	
2

	
2

	
1

	  	
15

	  	
1

	
1

	
20110825

	  
	
456

	
2

	
1

	
0

	  	
8

	  	
0

	
1

	
20110825

	  
	
457

	
1

	
2

	
0

	  	
2

	
10

	
5

	
1

	
20110825

	  
	
458

	
3

	
1

	
0

	  	
3

	  	
3

	
1

	
20110825

	  
	
459

	
1

	
2

	
0

	  	
6

	  	
0

	
1

	
20110825

	  
	
460

	
2

	
2

	
0

	  	
7

	  	
2

	
1

	
20110825

	  
	
461

	
2

	
2

	
1

	  	
23

	
23

	
22

	
1

	
20110825

	  
	
462

	
1

	
2

	
0

	  	
2

	
1

	
0

	
1

	
20110825

	  
	
463

	
1

	
2

	
0

	  	
8

	  	
0

	
1

	
20110825

	  
	
464

	
4

	
1

	
1

	  	
21

	  	
0

	
1

	
20110825

	  
	
465

	
3

	
2

	
1

	  	
20

	  	
0

	
1

	  	  
	
466

	
2

	
1

	
0

	  	
11

	  	
0

	
1

	
20110825

	  
	
467

	
2

	
2

	
1

	  	
0

	
5

	
0

	
1

	  	  
	
468

	
2

	
1

	
1

	  	
35

	  	
0

	
1

	  	  
	
469

	
1

	
2

	
0

	  	
0

	
6

	
0

	
1

	  	  
	
470

	
1

	
2

	
1

	  	
12

	
0

	
0

	
1

	  	  
	
471

	
1

	
2

	
0

	  	
9

	  	
0

	
1

	  	  
	
472

	
1

	
2

	
1

	  	
6

	
6

	
5

	
1

	  	  
	
473

	
1

	
2

	
0

	  	
7

	  	
1

	
1

	  	  

 

	
KEY

	
Primary Wage

Earner Original

FICO: Experian

	
Primary Wage

Earner Original

FICO: TransUnion

	
Secondary Wage

Earner Original

FICO: Equifax

	
Secondary Wage

Earner Original

FICO: Experian

	
Secondary Wage

Earner Original

FICO: TransUnion

	
Original

Primary Borrower

FICO

	
Most Recent

Primary Borrower

FICO

	
Most Recent Co-Borrower 

FICO

	
Most Recent FICO

Method

	
VantageScore:

Primary Borrower

	
1

	  	  	  	  	  	
782

	
788

	  	  	  
	
2

	  	  	  	  	  	
706

	
711

	  	  	  
	
3

	  	  	  	  	  	
752

	
747

	  	  	  
	
4

	  	  	  	  	  	
746

	
772

	  	  	  
	
5

	  	  	  	  	  	
716

	
729

	  	  	  
	
6

	  	  	  	  	  	
789

	
796

	  	  	  
	
7

	  	  	  	  	  	
795

	
773

	  	  	  
	
8

	  	  	  	  	  	
793

	
806

	  	  	  
	
9

	  	  	  	  	  	
787

	
770

	  	  	  
	
10

	  	  	  	  	  	
730

	
779

	  	  	  
	
11

	  	  	  	  	  	
773

	
774

	  	  	  
	
12

	  	  	  	  	  	
720

	
779

	  	  	  
	
13

	  	  	  	  	  	
812

	
793

	  	  	  
	
14

	  	  	  	  	  	
764

	
783

	  	  	  
	
15

	  	  	  	  	  	
787

	
772

	  	  	  
	
16

	  	  	  	  	  	
788

	
797

	  	  	  
	
17

	  	  	  	  	  	
793

	
807

	  	  	  
	
18

	  	  	  	  	  	
731

	
775

	  	  	  
	
19

	  	  	  	  	  	
757

	
793

	  	  	  
	
20

	  	  	  	  	  	
766

	
815

	  	  	  
	
21

	  	  	  	  	  	
800

	
807

	  	  	  
	
22

	  	  	  	  	  	
796

	
797

	  	  	  
	
23

	  	  	  	  	  	
707

	
676

	  	  	  
	
24

	  	  	  	  	  	
773

	
778

	  	  	  
	
25

	  	  	  	  	  	
806

	
797

	  	  	  
	
26

	  	  	  	  	  	
768

	
769

	  	  	  
	
27

	  	  	  	  	  	
808

	
808

	  	  	  
	
28

	  	  	  	  	  	
767

	
795

	  	  	  
	
29

	  	  	  	  	  	
787

	
793

	  	  	  
	
30

	  	  	  	  	  	
781

	
766

	  	  	  
	
31

	  	  	  	  	  	
781

	
823

	  	  	  
	
32

	  	  	  	  	  	
802

	
815

	  	  	  
	
33

	  	  	  	  	  	
796

	
795

	  	  	  
	
34

	  	  	  	  	  	
777

	
792

	  	  	  
	
35

	  	  	  	  	  	
793

	
808

	  	  	  
	
36

	  	  	  	  	  	
815

	
802

	  	  	  
	
37

	  	  	  	  	  	
778

	
805

	  	  	  
	
38

	  	  	  	  	  	
783

	
773

	  	  	  
	
39

	  	  	  	  	  	
796

	
808

	  	  	  
	
40

	  	  	  	  	  	
791

	
787

	  	  	  
	
41

	  	  	  	  	  	
779

	
803

	  	  	  
	
42

	  	  	  	  	  	
760

	
785

	  	  	  
	
43

	  	  	  	  	  	
791

	
801

	  	  	  
	
44

	  	  	  	  	  	
796

	
797

	  	  	  
	
45

	  	  	  	  	  	
742

	
770

	  	  	  
	
46

	  	  	  	  	  	
797

	
797

	  	  	  
	
47

	  	  	  	  	  	
782

	
768

	  	  	  
	
48

	  	  	  	  	  	
813

	
798

	  	  	  
	
49

	  	  	  	  	  	
807

	
799

	  	  	  
	
50

	  	  	  	  	  	
788

	
807

	  	  	  
	
51

	  	  	  	  	  	
729

	
776

	  	  	  
	
52

	  	  	  	  	  	
729

	
724

	  	  	  
	
53

	  	  	  	  	  	
798

	
800

	  	  	  
	
54

	  	  	  	  	  	
749

	
703

	  	  	  
	
55

	  	  	  	  	  	
776

	
793

	  	  	  
	
56

	  	  	  	  	  	
763

	
800

	  	  	  
	
57

	  	  	  	  	  	
770

	
760

	  	  	  
	
58

	  	  	  	  	  	
798

	
806

	  	  	  
	
59

	  	  	  	  	  	
756

	
797

	  	  	  
	
60

	  	  	  	  	  	
713

	
762

	  	  	  
	
61

	  	  	  	  	  	
788

	
801

	  	  	  
	
62

	  	  	  	  	  	
747

	
756

	  	  	  
	
63

	  	  	  	  	  	
781

	
799

	  	  	  
	
64

	  	  	  	  	  	
795

	
788

	  	  	  
	
65

	  	  	  	  	  	
787

	
789

	  	  	  
	
66

	  	  	  	  	  	
765

	
742

	  	  	  
	
67

	  	  	  	  	  	
767

	
760

	  	  	  
	
68

	  	  	  	  	  	
801

	
804

	  	  	  
	
69

	  	  	  	  	  	
767

	
787

	  	  	  
	
70

	  	  	  	  	  	
782

	
787

	  	  	  
	
71

	  	  	  	  	  	
782

	
801

	  	  	  
	
72

	  	  	  	  	  	
810

	
814

	  	  	  
	
73

	  	  	  	  	  	
796

	
786

	  	  	  
	
74

	  	  	  	  	  	
739

	
753

	  	  	  
	
75

	  	  	  	  	  	
767

	
730

	  	  	  
	
76

	  	  	  	  	  	
735

	
740

	  	  	  
	
77

	  	  	  	  	  	
789

	
774

	  	  	  
	
78

	  	  	  	  	  	
789

	
774

	  	  	  
	
79

	  	  	  	  	  	
809

	
780

	  	  	  
	
80

	  	  	  	  	  	
734

	
767

	  	  	  
	
81

	  	  	  	  	  	
801

	
781

	  	  	  
	
82

	  	  	  	  	  	
797

	
797

	  	  	  
	
83

	  	  	  	  	  	
795

	
785

	  	  	  
	
84

	  	  	  	  	  	
803

	
794

	  	  	  
	
85

	  	  	  	  	  	
705

	
725

	  	  	  
	
86

	  	  	  	  	  	
787

	
787

	  	  	  
	
87

	  	  	  	  	  	
796

	
775

	  	  	  
	
88

	  	  	  	  	  	
812

	
781

	  	  	  
	
89

	  	  	  	  	  	
793

	
772

	  	  	  
	
90

	  	  	  	  	  	
780

	
771

	  	  	  
	
91

	  	  	  	  	  	
790

	
773

	  	  	  
	
92

	  	  	  	  	  	
797

	
790

	  	  	  
	
93

	  	  	  	  	  	
738

	
786

	  	  	  
	
94

	  	  	  	  	  	
792

	
786

	  	  	  
	
95

	  	  	  	  	  	
788

	
798

	  	  	  
	
96

	  	  	  	  	  	
798

	
774

	  	  	  
	
97

	  	  	  	  	  	
803

	
792

	  	  	  
	
98

	  	  	  	  	  	
782

	
803

	  	  	  
	
99

	  	  	  	  	  	
768

	
784

	  	  	  
	
100

	  	  	  	  	  	
778

	
775

	  	  	  
	
101

	  	  	  	  	  	
709

	
720

	  	  	  
	
102

	  	  	  	  	  	
797

	
793

	  	  	  
	
103

	  	  	  	  	  	
799

	
795

	  	  	  
	
104

	  	  	  	  	  	
765

	
772

	  	  	  
	
105

	  	  	  	  	  	
777

	
785

	  	  	  
	
106

	  	  	  	  	  	
745

	
725

	  	  	  
	
107

	  	  	  	  	  	
789

	
774

	  	  	  
	
108

	  	  	  	  	  	
800

	
787

	  	  	  
	
109

	  	  	  	  	  	
775

	
762

	  	  	  
	
110

	  	  	  	  	  	
784

	
801

	  	  	  
	
111

	  	  	  	  	  	
791

	
783

	  	  	  
	
112

	  	  	  	  	  	
813

	
801

	  	  	  
	
113

	  	  	  	  	  	
781

	
792

	  	  	  
	
114

	  	  	  	  	  	
809

	
797

	  	  	  
	
115

	  	  	  	  	  	
782

	
767

	  	  	  
	
116

	  	  	  	  	  	
763

	
767

	  	  	  
	
117

	  	  	  	  	  	
793

	
783

	  	  	  
	
118

	  	  	  	  	  	
711

	
714

	  	  	  
	
119

	  	  	  	  	  	
816

	
799

	  	  	  
	
120

	  	  	  	  	  	
786

	
648

	  	  	  
	
121

	  	  	  	  	  	
794

	
797

	  	  	  
	
122

	  	  	  	  	  	
798

	
800

	  	  	  
	
123

	  	  	  	  	  	
739

	
765

	  	  	  
	
124

	  	  	  	  	  	
770

	
768

	  	  	  
	
125

	  	  	  	  	  	
793

	
783

	  	  	  
	
126

	  	  	  	  	  	
775

	
734

	  	  	  
	
127

	  	  	  	  	  	
771

	
795

	  	  	  
	
128

	  	  	  	  	  	
733

	
685

	  	  	  
	
129

	  	  	  	  	  	
789

	
781

	  	  	  
	
130

	  	  	  	  	  	
780

	
795

	  	  	  
	
131

	  	  	  	  	  	
818

	
799

	  	  	  
	
132

	  	  	  	  	  	
743

	
797

	  	  	  
	
133

	  	  	  	  	  	
762

	
768

	  	  	  
	
134

	  	  	  	  	  	
784

	
785

	  	  	  
	
135

	  	  	  	  	  	
809

	
796

	  	  	  
	
136

	  	  	  	  	  	
809

	
796

	  	  	  
	
137

	  	  	  	  	  	
723

	
816

	  	  	  
	
138

	  	  	  	  	  	
795

	
799

	  	  	  
	
139

	  	  	  	  	  	
708

	
753

	  	  	  
	
140

	  	  	  	  	  	
759

	
760

	  	  	  
	
141

	  	  	  	  	  	
786

	
791

	  	  	  
	
142

	  	  	  	  	  	
804

	
774

	  	  	  
	
143

	  	  	  	  	  	
718

	
727

	  	  	  
	
144

	  	  	  	  	  	
775

	  	  	  	  
	
145

	  	  	  	  	  	
732

	  	  	  	  
	
146

	  	  	  	  	  	
737

	  	  	  	  
	
147

	  	  	  	  	  	
773

	  	  	  	  
	
148

	  	  	  	  	  	
764

	
779

	  	  	  
	
149

	  	  	  	  	  	
781

	  	  	  	  
	
150

	  	  	  	  	  	
738

	  	  	  	  
	
151

	  	  	  	  	  	
804

	
801

	  	  	  
	
152

	  	  	  	  	  	
723

	
755

	  	  	  
	
153

	  	  	  	  	  	
813

	
789

	  	  	  
	
154

	  	  	  	  	  	
770

	  	  	  	  
	
155

	  	  	  	  	  	
773

	  	  	  	  
	
156

	  	  	  	  	  	
780

	  	  	  	  
	
157

	  	  	  	  	  	
783

	  	  	  	  
	
158

	  	  	  	  	  	
748

	  	  	  	  
	
159

	  	  	  	  	  	
802

	  	  	  	  
	
160

	  	  	  	  	  	
778

	  	  	  	  
	
161

	  	  	  	  	  	
761

	  	  	  	  
	
162

	  	  	  	  	  	
796

	  	  	  	  
	
163

	  	  	  	  	  	
733

	  	  	  	  
	
164

	  	  	  	  	  	
751

	  	  	  	  
	
165

	  	  	  	  	  	
779

	  	  	  	  
	
166

	  	  	  	  	  	
795

	
801

	  	  	  
	
167

	  	  	  	  	  	
796

	
776

	  	  	  
	
168

	  	  	  	  	  	
799

	
799

	  	  	  
	
169

	  	  	  	  	  	
817

	
803

	  	  	  
	
170

	  	  	  	  	  	
806

	
808

	  	  	  
	
171

	  	  	  	  	  	
794

	
780

	  	  	  
	
172

	  	  	  	  	  	
799

	
805

	  	  	  
	
173

	  	  	  	  	  	
798

	
801

	  	  	  
	
174

	  	  	  	  	  	
814

	
816

	  	  	  
	
175

	  	  	  	  	  	
793

	
759

	  	  	  
	
176

	  	  	  	  	  	
812

	
808

	  	  	  
	
177

	  	  	  	  	  	
713

	
695

	  	  	  
	
178

	  	  	  	  	  	
807

	
764

	  	  	  
	
179

	  	  	  	  	  	
760

	
785

	  	  	  
	
180

	  	  	  	  	  	
811

	
810

	  	  	  
	
181

	  	  	  	  	  	
775

	
796

	  	  	  
	
182

	  	  	  	  	  	
710

	
703

	  	  	  
	
183

	  	  	  	  	  	
795

	
797

	  	  	  
	
184

	  	  	  	  	  	
789

	
787

	  	  	  
	
185

	  	  	  	  	  	
720

	
775

	  	  	  
	
186

	  	  	  	  	  	
747

	
769

	  	  	  
	
187

	  	  	  	  	  	
734

	
728

	  	  	  
	
188

	  	  	  	  	  	
756

	
764

	  	  	  
	
189

	  	  	  	  	  	
758

	
771

	  	  	  
	
190

	  	  	  	  	  	
782

	
704

	  	  	  
	
191

	  	  	  	  	  	
668

	
651

	  	  	  
	
192

	  	  	  	  	  	
790

	
775

	  	  	  
	
193

	  	  	  	  	  	
798

	
776

	  	  	  
	
194

	  	  	  	  	  	
708

	
707

	  	  	  
	
195

	  	  	  	  	  	
801

	
787

	  	  	  
	
196

	  	  	  	  	  	
781

	
756

	  	  	  
	
197

	  	  	  	  	  	
796

	
785

	  	  	  
	
198

	  	  	  	  	  	
777

	
785

	  	  	  
	
199

	  	  	  	  	  	
728

	
712

	  	  	  
	
200

	  	  	  	  	  	
781

	
780

	  	  	  
	
201

	  	  	  	  	  	
766

	
737

	  	  	  
	
202

	  	  	  	  	  	
811

	
790

	  	  	  
	
203

	  	  	  	  	  	
736

	
709

	  	  	  
	
204

	  	  	  	  	  	
796

	
772

	  	  	  
	
205

	  	  	  	  	  	
788

	
784

	  	  	  
	
206

	  	  	  	  	  	
794

	
786

	  	  	  
	
207

	  	  	  	  	  	
732

	
788

	  	  	  
	
208

	  	  	  	  	  	
786

	
774

	  	  	  
	
209

	  	  	  	  	  	
764

	
788

	  	  	  
	
210

	  	  	  	  	  	
725

	
716

	  	  	  
	
211

	  	  	  	  	  	
730

	
759

	  	  	  
	
212

	  	  	  	  	  	
777

	
745

	  	  	  
	
213

	  	  	  	  	  	
812

	
807

	  	  	  
	
214

	  	  	  	  	  	
769

	
765

	  	  	  
	
215

	  	  	  	  	  	
774

	
773

	  	  	  
	
216

	  	  	  	  	  	
757

	
767

	  	  	  
	
217

	  	  	  	  	  	
717

	
708

	  	  	  
	
218

	  	  	  	  	  	
775

	
778

	  	  	  
	
219

	  	  	  	  	  	
789

	
797

	  	  	  
	
220

	  	  	  	  	  	
754

	
774

	  	  	  
	
221

	  	  	  	  	  	
735

	
767

	  	  	  
	
222

	  	  	  	  	  	
791

	
791

	  	  	  
	
223

	  	  	  	  	  	
772

	
789

	  	  	  
	
224

	  	  	  	  	  	
732

	
719

	  	  	  
	
225

	  	  	  	  	  	
716

	
719

	  	  	  
	
226

	  	  	  	  	  	
702

	
697

	  	  	  
	
227

	  	  	  	  	  	
790

	  	  	  	  
	
228

	  	  	  	  	  	
746

	
767

	  	  	  
	
229

	  	  	  	  	  	
779

	
791

	  	  	  
	
230

	  	  	  	  	  	
782

	  	  	  	  
	
231

	  	  	  	  	  	
771

	
798

	  	  	  
	
232

	  	  	  	  	  	
768

	  	  	  	  
	
233

	  	  	  	  	  	
789

	  	  	  	  
	
234

	  	  	  	  	  	
804

	  	  	  	  
	
235

	  	  	  	  	  	
803

	  	  	  	  
	
236

	  	  	  	  	  	
799

	  	  	  	  
	
237

	  	  	  	  	  	
750

	  	  	  	  
	
238

	  	  	  	  	  	
713

	  	  	  	  
	
239

	  	  	  	  	  	
775

	  	  	  	  
	
240

	  	  	  	  	  	
783

	  	  	  	  
	
241

	  	  	  	  	  	
794

	  	  	  	  
	
242

	  	  	  	  	  	
808

	  	  	  	  
	
243

	  	  	  	  	  	
725

	  	  	  	  
	
244

	  	  	  	  	  	
757

	  	  	  	  
	
245

	  	  	  	  	  	
711

	  	  	  	  
	
246

	  	  	  	  	  	
783

	  	  	  	  
	
247

	  	  	  	  	  	
759

	  	  	  	  
	
248

	  	  	  	  	  	
782

	  	  	  	  
	
249

	  	  	  	  	  	
773

	  	  	  	  
	
250

	  	  	  	  	  	
752

	
796

	  	  	  
	
251

	  	  	  	  	  	
769

	
758

	  	  	  
	
252

	  	  	  	  	  	
767

	
780

	  	  	  
	
253

	  	  	  	  	  	
774

	
770

	  	  	  
	
254

	  	  	  	  	  	
795

	
804

	  	  	  
	
255

	  	  	  	  	  	
800

	
774

	  	  	  
	
256

	  	  	  	  	  	
774

	
790

	  	  	  
	
257

	  	  	  	  	  	
804

	
808

	  	  	  
	
258

	  	  	  	  	  	
766

	
761

	  	  	  
	
259

	  	  	  	  	  	
793

	
789

	  	  	  
	
260

	  	  	  	  	  	
774

	
775

	  	  	  
	
261

	  	  	  	  	  	
744

	
791

	  	  	  
	
262

	  	  	  	  	  	
799

	
735

	  	  	  
	
263

	  	  	  	  	  	
793

	
789

	  	  	  
	
264

	  	  	  	  	  	
709

	
671

	  	  	  
	
265

	  	  	  	  	  	
774

	
773

	  	  	  
	
266

	  	  	  	  	  	
803

	
803

	  	  	  
	
267

	  	  	  	  	  	
759

	
756

	  	  	  
	
268

	  	  	  	  	  	
753

	
766

	  	  	  
	
269

	  	  	  	  	  	
797

	
760

	  	  	  
	
270

	  	  	  	  	  	
776

	
779

	  	  	  
	
271

	  	  	  	  	  	
772

	
775

	  	  	  
	
272

	  	  	  	  	  	
772

	  	  	  	  
	
273

	  	  	  	  	  	
734

	
778

	  	  	  
	
274

	  	  	  	  	  	
757

	  	  	  	  
	
275

	  	  	  	  	  	
780

	  	  	  	  
	
276

	  	  	  	  	  	
792

	  	  	  	  
	
277

	  	  	  	  	  	
756

	  	  	  	  
	
278

	  	  	  	  	  	
770

	  	  	  	  
	
279

	  	  	  	  	  	
771

	  	  	  	  
	
280

	  	  	  	  	  	
764

	  	  	  	  
	
281

	  	  	  	  	  	
789

	  	  	  	  
	
282

	  	  	  	  	  	
765

	  	  	  	  
	
283

	  	  	  	  	  	
754

	  	  	  	  
	
284

	  	  	  	  	  	
794

	  	  	  	  
	
285

	  	  	  	  	  	
778

	  	  	  	  
	
286

	  	  	  	  	  	
798

	  	  	  	  
	
287

	  	  	  	  	  	
792

	  	  	  	  
	
288

	  	  	  	  	  	
704

	  	  	  	  
	
289

	  	  	  	  	  	
819

	  	  	  	  
	
290

	  	  	  	  	  	
764

	  	  	  	  
	
291

	  	  	  	  	  	
789

	  	  	  	  
	
292

	  	  	  	  	  	
765

	  	  	  	  
	
293

	  	  	  	  	  	
740

	  	  	  	  
	
294

	  	  	  	  	  	
794

	  	  	  	  
	
295

	  	  	  	  	  	
770

	  	  	  	  
	
296

	  	  	  	  	  	
699

	  	  	  	  
	
297

	  	  	  	  	  	
743

	  	  	  	  
	
298

	  	  	  	  	  	
735

	  	  	  	  
	
299

	  	  	  	  	  	
780

	  	  	  	  
	
300

	  	  	  	  	  	
782

	  	  	  	  
	
301

	  	  	  	  	  	
709

	  	  	  	  
	
302

	  	  	  	  	  	
773

	
730

	  	  	  
	
303

	  	  	  	  	  	
797

	  	  	  	  
	
304

	  	  	  	  	  	
777

	
797

	  	  	  
	
305

	  	  	  	  	  	
770

	  	  	  	  
	
306

	  	  	  	  	  	
731

	  	  	  	  
	
307

	  	  	  	  	  	
783

	
799

	  	  	  
	
308

	  	  	  	  	  	
772

	
777

	  	  	  
	
309

	  	  	  	  	  	
800

	
813

	  	  	  
	
310

	  	  	  	  	  	
776

	
747

	  	  	  
	
311

	  	  	  	  	  	
778

	
693

	  	  	  
	
312

	  	  	  	  	  	
795

	
775

	  	  	  
	
313

	  	  	  	  	  	
800

	
792

	  	  	  
	
314

	  	  	  	  	  	
762

	
753

	  	  	  
	
315

	  	  	  	  	  	
791

	  	  	  	  
	
316

	  	  	  	  	  	
782

	
775

	  	  	  
	
317

	  	  	  	  	  	
799

	
797

	  	  	  
	
318

	  	  	  	  	  	
776

	
776

	  	  	  
	
319

	  	  	  	  	  	
760

	
755

	  	  	  
	
320

	  	  	  	  	  	
727

	
731

	  	  	  
	
321

	  	  	  	  	  	
784

	
681

	  	  	  
	
322

	  	  	  	  	  	
780

	
743

	  	  	  
	
323

	  	  	  	  	  	
775

	  	  	  	  
	
324

	  	  	  	  	  	
739

	
721

	  	  	  
	
325

	  	  	  	  	  	
809

	  	  	  	  
	
326

	  	  	  	  	  	
791

	
769

	  	  	  
	
327

	  	  	  	  	  	
751

	  	  	  	  
	
328

	  	  	  	  	  	
787

	
801

	  	  	  
	
329

	  	  	  	  	  	
788

	
786

	  	  	  
	
330

	  	  	  	  	  	
710

	
761

	  	  	  
	
331

	  	  	  	  	  	
815

	
808

	  	  	  
	
332

	  	  	  	  	  	
786

	  	  	  	  
	
333

	  	  	  	  	  	
759

	
664

	  	  	  
	
334

	  	  	  	  	  	
788

	  	  	  	  
	
335

	  	  	  	  	  	
791

	  	  	  	  
	
336

	  	  	  	  	  	
779

	
790

	  	  	  
	
337

	  	  	  	  	  	
776

	
790

	  	  	  
	
338

	  	  	  	  	  	
796

	
790

	  	  	  
	
339

	  	  	  	  	  	
790

	
758

	  	  	  
	
340

	  	  	  	  	  	
793

	  	  	  	  
	
341

	  	  	  	  	  	
820

	  	  	  	  
	
342

	  	  	  	  	  	
749

	  	  	  	  
	
343

	  	  	  	  	  	
808

	
801

	  	  	  
	
344

	  	  	  	  	  	
777

	
815

	  	  	  
	
345

	  	  	  	  	  	
801

	
806

	  	  	  
	
346

	  	  	  	  	  	
785

	
777

	  	  	  
	
347

	  	  	  	  	  	
778

	
799

	  	  	  
	
348

	  	  	  	  	  	
799

	
789

	  	  	  
	
349

	  	  	  	  	  	
799

	
778

	  	  	  
	
350

	  	  	  	  	  	
795

	
803

	  	  	  
	
351

	  	  	  	  	  	
809

	
813

	  	  	  
	
352

	  	  	  	  	  	
812

	
797

	  	  	  
	
353

	  	  	  	  	  	
784

	
810

	  	  	  
	
354

	  	  	  	  	  	
793

	
781

	  	  	  
	
355

	  	  	  	  	  	
787

	
769

	  	  	  
	
356

	  	  	  	  	  	
782

	
773

	  	  	  
	
357

	  	  	  	  	  	
767

	
760

	  	  	  
	
358

	  	  	  	  	  	
802

	
796

	  	  	  
	
359

	  	  	  	  	  	
808

	
795

	  	  	  
	
360

	  	  	  	  	  	
796

	
791

	  	  	  
	
361

	  	  	  	  	  	
773

	
786

	  	  	  
	
362

	  	  	  	  	  	
792

	
790

	  	  	  
	
363

	  	  	  	  	  	
770

	
769

	  	  	  
	
364

	  	  	  	  	  	
762

	
779

	  	  	  
	
365

	  	  	  	  	  	
710

	
746

	  	  	  
	
366

	  	  	  	  	  	
791

	
796

	  	  	  
	
367

	  	  	  	  	  	
786

	
779

	  	  	  
	
368

	  	  	  	  	  	
804

	
799

	  	  	  
	
369

	  	  	  	  	  	
800

	
814

	  	  	  
	
370

	  	  	  	  	  	
728

	
797

	  	  	  
	
371

	  	  	  	  	  	
772

	
826

	  	  	  
	
372

	  	  	  	  	  	
793

	
788

	  	  	  
	
373

	  	  	  	  	  	
790

	
774

	  	  	  
	
374

	  	  	  	  	  	
784

	
804

	  	  	  
	
375

	  	  	  	  	  	
745

	
770

	  	  	  
	
376

	  	  	  	  	  	
790

	
812

	  	  	  
	
377

	  	  	  	  	  	
786

	
785

	  	  	  
	
378

	  	  	  	  	  	
801

	
782

	  	  	  
	
379

	  	  	  	  	  	
751

	
781

	  	  	  
	
380

	  	  	  	  	  	
793

	
787

	  	  	  
	
381

	  	  	  	  	  	
759

	
770

	  	  	  
	
382

	  	  	  	  	  	
779

	
789

	  	  	  
	
383

	  	  	  	  	  	
702

	  	  	  	  
	
384

	  	  	  	  	  	
766

	  	  	  	  
	
385

	  	  	  	  	  	
792

	  	  	  	  
	
386

	  	  	  	  	  	
800

	  	  	  	  
	
387

	  	  	  	  	  	
782

	  	  	  	  
	
388

	  	  	  	  	  	
785

	  	  	  	  
	
389

	  	  	  	  	  	
794

	  	  	  	  
	
390

	  	  	  	  	  	
768

	  	  	  	  
	
391

	  	  	  	  	  	
794

	  	  	  	  
	
392

	  	  	  	  	  	
794

	  	  	  	  
	
393

	  	  	  	  	  	
788

	  	  	  	  
	
394

	  	  	  	  	  	
715

	  	  	  	  
	
395

	  	  	  	  	  	
757

	  	  	  	  
	
396

	  	  	  	  	  	
783

	  	  	  	  
	
397

	  	  	  	  	  	
804

	  	  	  	  
	
398

	  	  	  	  	  	
798

	  	  	  	  
	
399

	  	  	  	  	  	
796

	  	  	  	  
	
400

	  	  	  	  	  	
813

	  	  	  	  
	
401

	  	  	  	  	  	
751

	  	  	  	  
	
402

	  	  	  	  	  	
806

	  	  	  	  
	
403

	  	  	  	  	  	
808

	  	  	  	  
	
404

	  	  	  	  	  	
780

	  	  	  	  
	
405

	  	  	  	  	  	
782

	  	  	  	  
	
406

	  	  	  	  	  	
744

	  	  	  	  
	
407

	  	  	  	  	  	
794

	  	  	  	  
	
408

	  	  	  	  	  	
777

	  	  	  	  
	
409

	  	  	  	  	  	
711

	  	  	  	  
	
410

	  	  	  	  	  	
778

	  	  	  	  
	
411

	  	  	  	  	  	
790

	  	  	  	  
	
412

	  	  	  	  	  	
799

	  	  	  	  
	
413

	  	  	  	  	  	
776

	  	  	  	  
	
414

	  	  	  	  	  	
793

	  	  	  	  
	
415

	  	  	  	  	  	
763

	  	  	  	  
	
416

	  	  	  	  	  	
733

	  	  	  	  
	
417

	  	  	  	  	  	
782

	  	  	  	  
	
418

	  	  	  	  	  	
695

	
691

	  	  	  
	
419

	  	  	  	  	  	
775

	  	  	  	  
	
420

	  	  	  	  	  	
778

	
757

	  	  	  
	
421

	  	  	  	  	  	
779

	
767

	  	  	  
	
422

	  	  	  	  	  	
802

	
794

	  	  	  
	
423

	  	  	  	  	  	
774

	
733

	  	  	  
	
424

	  	  	  	  	  	
767

	
776

	  	  	  
	
425

	  	  	  	  	  	
801

	  	  	  	  
	
426

	  	  	  	  	  	
767

	
689

	  	  	  
	
427

	  	  	  	  	  	
809

	
805

	  	  	  
	
428

	  	  	  	  	  	
748

	
736

	  	  	  
	
429

	  	  	  	  	  	
801

	
807

	  	  	  
	
430

	  	  	  	  	  	
772

	
790

	  	  	  
	
431

	  	  	  	  	  	
793

	
773

	  	  	  
	
432

	  	  	  	  	  	
782

	
764

	  	  	  
	
433

	  	  	  	  	  	
760

	
736

	  	  	  
	
434

	  	  	  	  	  	
731

	
752

	  	  	  
	
435

	  	  	  	  	  	
791

	
793

	  	  	  
	
436

	  	  	  	  	  	
789

	
796

	  	  	  
	
437

	  	  	  	  	  	
782

	
780

	  	  	  
	
438

	  	  	  	  	  	
792

	
788

	  	  	  
	
439

	  	  	  	  	  	
770

	
758

	  	  	  
	
440

	  	  	  	  	  	
799

	
812

	  	  	  
	
441

	  	  	  	  	  	
770

	
786

	  	  	  
	
442

	  	  	  	  	  	
773

	
763

	  	  	  
	
443

	  	  	  	  	  	
790

	
783

	  	  	  
	
444

	  	  	  	  	  	
781

	
761

	  	  	  
	
445

	  	  	  	  	  	
793

	
787

	  	  	  
	
446

	  	  	  	  	  	
779

	
796

	  	  	  
	
447

	  	  	  	  	  	
756

	
767

	  	  	  
	
448

	  	  	  	  	  	
808

	
792

	  	  	  
	
449

	  	  	  	  	  	
748

	
701

	  	  	  
	
450

	  	  	  	  	  	
800

	
806

	  	  	  
	
451

	  	  	  	  	  	
809

	
796

	  	  	  
	
452

	  	  	  	  	  	
789

	
795

	  	  	  
	
453

	  	  	  	  	  	
816

	
809

	  	  	  
	
454

	  	  	  	  	  	
774

	
789

	  	  	  
	
455

	  	  	  	  	  	
740

	
729

	  	  	  
	
456

	  	  	  	  	  	
772

	
713

	  	  	  
	
457

	  	  	  	  	  	
799

	
783

	  	  	  
	
458

	  	  	  	  	  	
796

	
801

	  	  	  
	
459

	  	  	  	  	  	
770

	
805

	  	  	  
	
460

	  	  	  	  	  	
788

	
791

	  	  	  
	
461

	  	  	  	  	  	
792

	
790

	  	  	  
	
462

	  	  	  	  	  	
802

	
764

	  	  	  
	
463

	  	  	  	  	  	
780

	
783

	  	  	  
	
464

	  	  	  	  	  	
786

	
787

	  	  	  
	
465

	  	  	  	  	  	
780

	  	  	  	  
	
466

	  	  	  	  	  	
704

	
712

	  	  	  
	
467

	  	  	  	  	  	
801

	  	  	  	  
	
468

	  	  	  	  	  	
774

	  	  	  	  
	
469

	  	  	  	  	  	
794

	  	  	  	  
	
470

	  	  	  	  	  	
808

	  	  	  	  
	
471

	  	  	  	  	  	
764

	  	  	  	  
	
472

	  	  	  	  	  	
802

	  	  	  	  
	
473

	  	  	  	  	  	
771

	  	  	  	  

 

	
KEY

	
VantageScore: 

Co-Borrower

	
Most Recent

VantageScore

Method

	
VantageScore 

Date

	
Credit Report:

Longest Trade Line

	
Credit Report:

Maximum Trade

Line

	
Credit Report:

Number of Trade

Lines

	
Credit Line Usage

Ratio

	
Most 

Recent 12-

month Pay History

	
Months Bankruptcy

	
Months Foreclosure

	
1

	  	  	  	  	  	  	  	
000000000000

	  	  
	
2

	  	  	  	  	  	  	  	
000000000000

	  	  
	
3

	  	  	  	  	  	  	  	
000000000000

	  	  
	
4

	  	  	  	  	  	  	  	
000000000000

	  	  
	
5

	  	  	  	  	  	  	  	
000000000000

	  	  
	
6

	  	  	  	  	  	  	  	
000000000000

	  	  
	
7

	  	  	  	  	  	  	  	
000000000000

	  	  
	
8

	  	  	  	  	  	  	  	
000000000000

	  	  
	
9

	  	  	  	  	  	  	  	
000000000000

	  	  
	
10

	  	  	  	  	  	  	  	
000000000000

	  	  
	
11

	  	  	  	  	  	  	  	
000000000000

	  	  
	
12

	  	  	  	  	  	  	  	
000000000000

	  	  
	
13

	  	  	  	  	  	  	  	
000000000000

	  	  
	
14

	  	  	  	  	  	  	  	
000000000000

	  	  
	
15

	  	  	  	  	  	  	  	
000000000000

	  	  
	
16

	  	  	  	  	  	  	  	
000000000000

	  	  
	
17

	  	  	  	  	  	  	  	
000000000000

	  	  
	
18

	  	  	  	  	  	  	  	
000000000000

	  	  
	
19

	  	  	  	  	  	  	  	
000000000000

	  	  
	
20

	  	  	  	  	  	  	  	
000000000000

	  	  
	
21

	  	  	  	  	  	  	  	
000000000000

	  	  
	
22

	  	  	  	  	  	  	  	
000000000000

	  	  
	
23

	  	  	  	  	  	  	  	
000000000000

	  	  
	
24

	  	  	  	  	  	  	  	
000000000000

	  	  
	
25

	  	  	  	  	  	  	  	
000000000000

	  	  
	
26

	  	  	  	  	  	  	  	
000000000000

	  	  
	
27

	  	  	  	  	  	  	  	
000000000000

	  	  
	
28

	  	  	  	  	  	  	  	
000000000000

	  	  
	
29

	  	  	  	  	  	  	  	
000000000000

	  	  
	
30

	  	  	  	  	  	  	  	
000000000000

	  	  
	
31

	  	  	  	  	  	  	  	
000000000000

	  	  
	
32

	  	  	  	  	  	  	  	
000000000000

	  	  
	
33

	  	  	  	  	  	  	  	
000000000000

	  	  
	
34

	  	  	  	  	  	  	  	
000000000000

	  	  
	
35

	  	  	  	  	  	  	  	
000000000000

	  	  
	
36

	  	  	  	  	  	  	  	
000000000000

	  	  
	
37

	  	  	  	  	  	  	  	
000000000000

	  	  
	
38

	  	  	  	  	  	  	  	
000000000000

	  	  
	
39

	  	  	  	  	  	  	  	
000000000000

	  	  
	
40

	  	  	  	  	  	  	  	
000000000000

	  	  
	
41

	  	  	  	  	  	  	  	
000000000000

	  	  
	
42

	  	  	  	  	  	  	  	
000000000000

	  	  
	
43

	  	  	  	  	  	  	  	
000000000000

	  	  
	
44

	  	  	  	  	  	  	  	
000000000000

	  	  
	
45

	  	  	  	  	  	  	  	
000000000000

	  	  
	
46

	  	  	  	  	  	  	  	
000000000000

	  	  
	
47

	  	  	  	  	  	  	  	
000000000000

	  	  
	
48

	  	  	  	  	  	  	  	
000000000000

	  	  
	
49

	  	  	  	  	  	  	  	
000000000000

	  	  
	
50

	  	  	  	  	  	  	  	
000000000000

	  	  
	
51

	  	  	  	  	  	  	  	
000000000000

	  	  
	
52

	  	  	  	  	  	  	  	
000000000000

	  	  
	
53

	  	  	  	  	  	  	  	
000000000000

	  	  
	
54

	  	  	  	  	  	  	  	
000000000000

	  	  
	
55

	  	  	  	  	  	  	  	
000000000000

	  	  
	
56

	  	  	  	  	  	  	  	
000000000000

	  	  
	
57

	  	  	  	  	  	  	  	
000000000000

	  	  
	
58

	  	  	  	  	  	  	  	
000000000000

	  	  
	
59

	  	  	  	  	  	  	  	
000000000000

	  	  
	
60

	  	  	  	  	  	  	  	
000000000000

	  	  
	
61

	  	  	  	  	  	  	  	
000000000000

	  	  
	
62

	  	  	  	  	  	  	  	
000000000000

	  	  
	
63

	  	  	  	  	  	  	  	
000000000000

	  	  
	
64

	  	  	  	  	  	  	  	
000000000000

	  	  
	
65

	  	  	  	  	  	  	  	
000000000000

	  	  
	
66

	  	  	  	  	  	  	  	
000000000000

	  	  
	
67

	  	  	  	  	  	  	  	
000000000000

	  	  
	
68

	  	  	  	  	  	  	  	
000000000000

	  	  
	
69

	  	  	  	  	  	  	  	
000000000000

	  	  
	
70

	  	  	  	  	  	  	  	
000000000000

	  	  
	
71

	  	  	  	  	  	  	  	
000000000000

	  	  
	
72

	  	  	  	  	  	  	  	
000000000000

	  	  
	
73

	  	  	  	  	  	  	  	
000000000000

	  	  
	
74

	  	  	  	  	  	  	  	
000000000000

	  	  
	
75

	  	  	  	  	  	  	  	
000000000000

	  	  
	
76

	  	  	  	  	  	  	  	
000000000000

	  	  
	
77

	  	  	  	  	  	  	  	
000000000000

	  	  
	
78

	  	  	  	  	  	  	  	
000000000000

	  	  
	
79

	  	  	  	  	  	  	  	
000000000000

	  	  
	
80

	  	  	  	  	  	  	  	
000000000000

	  	  
	
81

	  	  	  	  	  	  	  	
000000000000

	  	  
	
82

	  	  	  	  	  	  	  	
000000000000

	  	  
	
83

	  	  	  	  	  	  	  	
000000000000

	  	  
	
84

	  	  	  	  	  	  	  	
000000000000

	  	  
	
85

	  	  	  	  	  	  	  	
000000000000

	  	  
	
86

	  	  	  	  	  	  	  	
000000000000

	  	  
	
87

	  	  	  	  	  	  	  	
000000000000

	  	  
	
88

	  	  	  	  	  	  	  	
000000000000

	  	  
	
89

	  	  	  	  	  	  	  	
000000000000

	  	  
	
90

	  	  	  	  	  	  	  	
000000000000

	  	  
	
91

	  	  	  	  	  	  	  	
000000000000

	  	  
	
92

	  	  	  	  	  	  	  	
000000000000

	  	  
	
93

	  	  	  	  	  	  	  	
000000000000

	  	  
	
94

	  	  	  	  	  	  	  	
000000000000

	  	  
	
95

	  	  	  	  	  	  	  	
000000000000

	  	  
	
96

	  	  	  	  	  	  	  	
000000000000

	  	  
	
97

	  	  	  	  	  	  	  	
000000000000

	  	  
	
98

	  	  	  	  	  	  	  	
000000000000

	  	  
	
99

	  	  	  	  	  	  	  	
000000000000

	  	  
	
100

	  	  	  	  	  	  	  	
000000000000

	  	  
	
101

	  	  	  	  	  	  	  	
000000000000

	  	  
	
102

	  	  	  	  	  	  	  	
000000000000

	  	  
	
103

	  	  	  	  	  	  	  	
000000000000

	  	  
	
104

	  	  	  	  	  	  	  	
000000000000

	  	  
	
105

	  	  	  	  	  	  	  	
000000000000

	  	  
	
106

	  	  	  	  	  	  	  	
000000000000

	  	  
	
107

	  	  	  	  	  	  	  	
000000000000

	  	  
	
108

	  	  	  	  	  	  	  	
000000000000

	  	  
	
109

	  	  	  	  	  	  	  	
000000000000

	  	  
	
110

	  	  	  	  	  	  	  	
000000000000

	  	  
	
111

	  	  	  	  	  	  	  	
000000000000

	  	  
	
112

	  	  	  	  	  	  	  	
000000000000

	  	  
	
113

	  	  	  	  	  	  	  	
000000000000

	  	  
	
114

	  	  	  	  	  	  	  	
000000000000

	  	  
	
115

	  	  	  	  	  	  	  	
000000000000

	  	  
	
116

	  	  	  	  	  	  	  	
000000000000

	  	  
	
117

	  	  	  	  	  	  	  	
000000000000

	  	  
	
118

	  	  	  	  	  	  	  	
000000000000

	  	  
	
119

	  	  	  	  	  	  	  	
000000000000

	  	  
	
120

	  	  	  	  	  	  	  	
000000000000

	  	  
	
121

	  	  	  	  	  	  	  	
000000000000

	  	  
	
122

	  	  	  	  	  	  	  	
000000000000

	  	  
	
123

	  	  	  	  	  	  	  	
000000000000

	  	  
	
124

	  	  	  	  	  	  	  	
000000000000

	  	  
	
125

	  	  	  	  	  	  	  	
000000000000

	  	  
	
126

	  	  	  	  	  	  	  	
000000000000

	  	  
	
127

	  	  	  	  	  	  	  	
000000000000

	  	  
	
128

	  	  	  	  	  	  	  	
000000000000

	  	  
	
129

	  	  	  	  	  	  	  	
000000000000

	  	  
	
130

	  	  	  	  	  	  	  	
000000000000

	  	  
	
131

	  	  	  	  	  	  	  	
000000000000

	  	  
	
132

	  	  	  	  	  	  	  	
000000000000

	  	  
	
133

	  	  	  	  	  	  	  	
000000000000

	  	  
	
134

	  	  	  	  	  	  	  	
000000000000

	  	  
	
135

	  	  	  	  	  	  	  	
000000000000

	  	  
	
136

	  	  	  	  	  	  	  	
000000000000

	  	  
	
137

	  	  	  	  	  	  	  	
000000000000

	  	  
	
138

	  	  	  	  	  	  	  	
000000000000

	  	  
	
139

	  	  	  	  	  	  	  	
000000000000

	  	  
	
140

	  	  	  	  	  	  	  	
000000000000

	  	  
	
141

	  	  	  	  	  	  	  	
000000000000

	  	  
	
142

	  	  	  	  	  	  	  	
000000000000

	  	  
	
143

	  	  	  	  	  	  	  	
000000000000

	  	  
	
144

	  	  	  	  	  	  	  	
000000000000

	  	  
	
145

	  	  	  	  	  	  	  	
000000000000

	  	  
	
146

	  	  	  	  	  	  	  	
000000000000

	  	  
	
147

	  	  	  	  	  	  	  	
000000000000

	  	  
	
148

	  	  	  	  	  	  	  	
000000000000

	  	  
	
149

	  	  	  	  	  	  	  	
000000000000

	  	  
	
150

	  	  	  	  	  	  	  	
000000000000

	  	  
	
151

	  	  	  	  	  	  	  	
000000000000

	  	  
	
152

	  	  	  	  	  	  	  	
000000000000

	  	  
	
153

	  	  	  	  	  	  	  	
000000000000

	  	  
	
154

	  	  	  	  	  	  	  	
000000000000

	  	  
	
155

	  	  	  	  	  	  	  	
000000000000

	  	  
	
156

	  	  	  	  	  	  	  	
000000000000

	  	  
	
157

	  	  	  	  	  	  	  	
000000000000

	  	  
	
158

	  	  	  	  	  	  	  	
000000000000

	  	  
	
159

	  	  	  	  	  	  	  	
000000000000

	  	  
	
160

	  	  	  	  	  	  	  	
000000000000

	  	  
	
161

	  	  	  	  	  	  	  	
000000000000

	  	  
	
162

	  	  	  	  	  	  	  	
000000000000

	  	  
	
163

	  	  	  	  	  	  	  	
000000000000

	  	  
	
164

	  	  	  	  	  	  	  	
000000000000

	  	  
	
165

	  	  	  	  	  	  	  	
000000000000

	  	  
	
166

	  	  	  	  	  	  	  	
000000000000

	  	  
	
167

	  	  	  	  	  	  	  	
000000000000

	  	  
	
168

	  	  	  	  	  	  	  	
000000000000

	  	  
	
169

	  	  	  	  	  	  	  	
000000000000

	  	  
	
170

	  	  	  	  	  	  	  	
000000000000

	  	  
	
171

	  	  	  	  	  	  	  	
000000000000

	  	  
	
172

	  	  	  	  	  	  	  	
000000000000

	  	  
	
173

	  	  	  	  	  	  	  	
000000000000

	  	  
	
174

	  	  	  	  	  	  	  	
000000000000

	  	  
	
175

	  	  	  	  	  	  	  	
000000000000

	  	  
	
176

	  	  	  	  	  	  	  	
000000000000

	  	  
	
177

	  	  	  	  	  	  	  	
000000000000

	  	  
	
178

	  	  	  	  	  	  	  	
000000000000

	  	  
	
179

	  	  	  	  	  	  	  	
000000000000

	  	  
	
180

	  	  	  	  	  	  	  	
000000000000

	  	  
	
181

	  	  	  	  	  	  	  	
000000000000

	  	  
	
182

	  	  	  	  	  	  	  	
000000000000

	  	  
	
183

	  	  	  	  	  	  	  	
000000000000

	  	  
	
184

	  	  	  	  	  	  	  	
000000000000

	  	  
	
185

	  	  	  	  	  	  	  	
000000000000

	  	  
	
186

	  	  	  	  	  	  	  	
000000000000

	  	  
	
187

	  	  	  	  	  	  	  	
000000000000

	  	  
	
188

	  	  	  	  	  	  	  	
000000000000

	  	  
	
189

	  	  	  	  	  	  	  	
000000000000

	  	  
	
190

	  	  	  	  	  	  	  	
000000000000

	  	  
	
191

	  	  	  	  	  	  	  	
000000000000

	  	  
	
192

	  	  	  	  	  	  	  	
000000000000

	  	  
	
193

	  	  	  	  	  	  	  	
000000000000

	  	  
	
194

	  	  	  	  	  	  	  	
000000000000

	  	  
	
195

	  	  	  	  	  	  	  	
000000000000

	  	  
	
196

	  	  	  	  	  	  	  	
000000000000

	  	  
	
197

	  	  	  	  	  	  	  	
000000000000

	  	  
	
198

	  	  	  	  	  	  	  	
000000000000

	  	  
	
199

	  	  	  	  	  	  	  	
000000000000

	  	  
	
200

	  	  	  	  	  	  	  	
000000000000

	  	  
	
201

	  	  	  	  	  	  	  	
000000000000

	  	  
	
202

	  	  	  	  	  	  	  	
000000000000

	  	  
	
203

	  	  	  	  	  	  	  	
000000000000

	  	  
	
204

	  	  	  	  	  	  	  	
000000000000

	  	  
	
205

	  	  	  	  	  	  	  	
000000000000

	  	  
	
206

	  	  	  	  	  	  	  	
000000000000

	  	  
	
207

	  	  	  	  	  	  	  	
000000000000

	  	  
	
208

	  	  	  	  	  	  	  	
000000000000

	  	  
	
209

	  	  	  	  	  	  	  	
000000000000

	  	  
	
210

	  	  	  	  	  	  	  	
000000000000

	  	  
	
211

	  	  	  	  	  	  	  	
000000000000

	  	  
	
212

	  	  	  	  	  	  	  	
000000000000

	  	  
	
213

	  	  	  	  	  	  	  	
000000000000

	  	  
	
214

	  	  	  	  	  	  	  	
000000000000

	  	  
	
215

	  	  	  	  	  	  	  	
000000000000

	  	  
	
216

	  	  	  	  	  	  	  	
000000000000

	  	  
	
217

	  	  	  	  	  	  	  	
000000000000

	  	  
	
218

	  	  	  	  	  	  	  	
000000000000

	  	  
	
219

	  	  	  	  	  	  	  	
000000000000

	  	  
	
220

	  	  	  	  	  	  	  	
000000000000

	  	  
	
221

	  	  	  	  	  	  	  	
000000000000

	  	  
	
222

	  	  	  	  	  	  	  	
000000000000

	  	  
	
223

	  	  	  	  	  	  	  	
000000000000

	  	  
	
224

	  	  	  	  	  	  	  	
000000000000

	  	  
	
225

	  	  	  	  	  	  	  	
000000000000

	  	  
	
226

	  	  	  	  	  	  	  	
000000000000

	  	  
	
227

	  	  	  	  	  	  	  	
000000000000

	  	  
	
228

	  	  	  	  	  	  	  	
000000000000

	  	  
	
229

	  	  	  	  	  	  	  	
000000000000

	  	  
	
230

	  	  	  	  	  	  	  	
000000000000

	  	  
	
231

	  	  	  	  	  	  	  	
000000000000

	  	  
	
232

	  	  	  	  	  	  	  	
000000000000

	  	  
	
233

	  	  	  	  	  	  	  	
000000000000

	  	  
	
234

	  	  	  	  	  	  	  	
000000000000

	  	  
	
235

	  	  	  	  	  	  	  	
000000000000

	  	  
	
236

	  	  	  	  	  	  	  	
000000000000

	  	  
	
237

	  	  	  	  	  	  	  	
000000000000

	  	  
	
238

	  	  	  	  	  	  	  	
000000000000

	  	  
	
239

	  	  	  	  	  	  	  	
000000000000

	  	  
	
240

	  	  	  	  	  	  	  	
000000000000

	  	  
	
241

	  	  	  	  	  	  	  	
000000000000

	  	  
	
242

	  	  	  	  	  	  	  	
000000000000

	  	  
	
243

	  	  	  	  	  	  	  	
000000000000

	  	  
	
244

	  	  	  	  	  	  	  	
000000000000

	  	  
	
245

	  	  	  	  	  	  	  	
000000000000

	  	  
	
246

	  	  	  	  	  	  	  	
000000000000

	  	  
	
247

	  	  	  	  	  	  	  	
000000000000

	  	  
	
248

	  	  	  	  	  	  	  	
000000000000

	  	  
	
249

	  	  	  	  	  	  	  	
000000000000

	  	  
	
250

	  	  	  	  	  	  	  	
000000000000

	  	  
	
251

	  	  	  	  	  	  	  	
000000000000

	  	  
	
252

	  	  	  	  	  	  	  	
000000000000

	  	  
	
253

	  	  	  	  	  	  	  	
000000000000

	  	  
	
254

	  	  	  	  	  	  	  	
000000000000

	  	  
	
255

	  	  	  	  	  	  	  	
000000000000

	  	  
	
256

	  	  	  	  	  	  	  	
000000000000

	  	  
	
257

	  	  	  	  	  	  	  	
000000000000

	  	  
	
258

	  	  	  	  	  	  	  	
000000000000

	  	  
	
259

	  	  	  	  	  	  	  	
000000000000

	  	  
	
260

	  	  	  	  	  	  	  	
000000000000

	  	  
	
261

	  	  	  	  	  	  	  	
000000000000

	  	  
	
262

	  	  	  	  	  	  	  	
000000000000

	  	  
	
263

	  	  	  	  	  	  	  	
000000000000

	  	  
	
264

	  	  	  	  	  	  	  	
000000000000

	  	  
	
265

	  	  	  	  	  	  	  	
000000000000

	  	  
	
266

	  	  	  	  	  	  	  	
000000000000

	  	  
	
267

	  	  	  	  	  	  	  	
000000000000

	  	  
	
268

	  	  	  	  	  	  	  	
000000000000

	  	  
	
269

	  	  	  	  	  	  	  	
000000000000

	  	  
	
270

	  	  	  	  	  	  	  	
000000000000

	  	  
	
271

	  	  	  	  	  	  	  	
000000000000

	  	  
	
272

	  	  	  	  	  	  	  	
000000000000

	  	  
	
273

	  	  	  	  	  	  	  	
000000000000

	  	  
	
274

	  	  	  	  	  	  	  	
000000000000

	  	  
	
275

	  	  	  	  	  	  	  	
000000000000

	  	  
	
276

	  	  	  	  	  	  	  	
000000000000

	  	  
	
277

	  	  	  	  	  	  	  	
000000000000

	  	  
	
278

	  	  	  	  	  	  	  	
000000000000

	  	  
	
279

	  	  	  	  	  	  	  	
000000000000

	  	  
	
280

	  	  	  	  	  	  	  	
000000000000

	  	  
	
281

	  	  	  	  	  	  	  	
000000000000

	  	  
	
282

	  	  	  	  	  	  	  	
000000000000

	  	  
	
283

	  	  	  	  	  	  	  	
000000000000

	  	  
	
284

	  	  	  	  	  	  	  	
000000000000

	  	  
	
285

	  	  	  	  	  	  	  	
000000000000

	  	  
	
286

	  	  	  	  	  	  	  	
000000000000

	  	  
	
287

	  	  	  	  	  	  	  	
000000000000

	  	  
	
288

	  	  	  	  	  	  	  	
000000000000

	  	  
	
289

	  	  	  	  	  	  	  	
000000000000

	  	  
	
290

	  	  	  	  	  	  	  	
000000000000

	  	  
	
291

	  	  	  	  	  	  	  	
000000000000

	  	  
	
292

	  	  	  	  	  	  	  	
000000000000

	  	  
	
293

	  	  	  	  	  	  	  	
000000000000

	  	  
	
294

	  	  	  	  	  	  	  	
000000000000

	  	  
	
295

	  	  	  	  	  	  	  	
000000000000

	  	  
	
296

	  	  	  	  	  	  	  	
000000000000

	  	  
	
297

	  	  	  	  	  	  	  	
000000000000

	  	  
	
298

	  	  	  	  	  	  	  	
000000000000

	  	  
	
299

	  	  	  	  	  	  	  	
000000000000

	  	  
	
300

	  	  	  	  	  	  	  	
000000000000

	  	  
	
301

	  	  	  	  	  	  	  	
000000000000

	  	  
	
302

	  	  	  	  	  	  	  	
000000000000

	  	  
	
303

	  	  	  	  	  	  	  	
000000000000

	  	  
	
304

	  	  	  	  	  	  	  	
000000000000

	  	  
	
305

	  	  	  	  	  	  	  	
000000000000

	  	  
	
306

	  	  	  	  	  	  	  	
000000000000

	  	  
	
307

	  	  	  	  	  	  	  	
000000000000

	  	  
	
308

	  	  	  	  	  	  	  	
000000000000

	  	  
	
309

	  	  	  	  	  	  	  	
000000000000

	  	  
	
310

	  	  	  	  	  	  	  	
000000000000

	  	  
	
311

	  	  	  	  	  	  	  	
000000000000

	  	  
	
312

	  	  	  	  	  	  	  	
000000000000

	  	  
	
313

	  	  	  	  	  	  	  	
000000000000

	  	  
	
314

	  	  	  	  	  	  	  	
000000000000

	  	  
	
315

	  	  	  	  	  	  	  	
000000000000

	  	  
	
316

	  	  	  	  	  	  	  	
000000000000

	  	  
	
317

	  	  	  	  	  	  	  	
000000000000

	  	  
	
318

	  	  	  	  	  	  	  	
000000000000

	  	  
	
319

	  	  	  	  	  	  	  	
000000000000

	  	  
	
320

	  	  	  	  	  	  	  	
000000000000

	  	  
	
321

	  	  	  	  	  	  	  	
000000000000

	  	  
	
322

	  	  	  	  	  	  	  	
000000000000

	  	  
	
323

	  	  	  	  	  	  	  	
000000000000

	  	  
	
324

	  	  	  	  	  	  	  	
000000000000

	  	  
	
325

	  	  	  	  	  	  	  	
000000000000

	  	  
	
326

	  	  	  	  	  	  	  	
000000000000

	  	  
	
327

	  	  	  	  	  	  	  	
000000000000

	  	  
	
328

	  	  	  	  	  	  	  	
000000000000

	  	  
	
329

	  	  	  	  	  	  	  	
000000000000

	  	  
	
330

	  	  	  	  	  	  	  	
000000000000

	  	  
	
331

	  	  	  	  	  	  	  	
000000000000

	  	  
	
332

	  	  	  	  	  	  	  	
000000000000

	  	  
	
333

	  	  	  	  	  	  	  	
000000000000

	  	  
	
334

	  	  	  	  	  	  	  	
000000000000

	  	  
	
335

	  	  	  	  	  	  	  	
000000000000

	  	  
	
336

	  	  	  	  	  	  	  	
000000000000

	  	  
	
337

	  	  	  	  	  	  	  	
000000000000

	  	  
	
338

	  	  	  	  	  	  	  	
000000000000

	  	  
	
339

	  	  	  	  	  	  	  	
000000000000

	  	  
	
340

	  	  	  	  	  	  	  	
000000000000

	  	  
	
341

	  	  	  	  	  	  	  	
000000000000

	  	  
	
342

	  	  	  	  	  	  	  	
000000000000

	  	  
	
343

	  	  	  	  	  	  	  	
000000000000

	  	  
	
344

	  	  	  	  	  	  	  	
000000000000

	  	  
	
345

	  	  	  	  	  	  	  	
000000000000

	  	  
	
346

	  	  	  	  	  	  	  	
000000000000

	  	  
	
347

	  	  	  	  	  	  	  	
000000000000

	  	  
	
348

	  	  	  	  	  	  	  	
000000000000

	  	  
	
349

	  	  	  	  	  	  	  	
000000000000

	  	  
	
350

	  	  	  	  	  	  	  	
000000000000

	  	  
	
351

	  	  	  	  	  	  	  	
000000000000

	  	  
	
352

	  	  	  	  	  	  	  	
000000000000

	  	  
	
353

	  	  	  	  	  	  	  	
000000000000

	  	  
	
354

	  	  	  	  	  	  	  	
000000000000

	  	  
	
355

	  	  	  	  	  	  	  	
000000000000

	  	  
	
356

	  	  	  	  	  	  	  	
000000000000

	  	  
	
357

	  	  	  	  	  	  	  	
000000000000

	  	  
	
358

	  	  	  	  	  	  	  	
000000000000

	  	  
	
359

	  	  	  	  	  	  	  	
000000000000

	  	  
	
360

	  	  	  	  	  	  	  	
000000000000

	  	  
	
361

	  	  	  	  	  	  	  	
000000000000

	  	  
	
362

	  	  	  	  	  	  	  	
000000000000

	  	  
	
363

	  	  	  	  	  	  	  	
000000000000

	  	  
	
364

	  	  	  	  	  	  	  	
000000000000

	  	  
	
365

	  	  	  	  	  	  	  	
000000000000

	  	  
	
366

	  	  	  	  	  	  	  	
000000000000

	  	  
	
367

	  	  	  	  	  	  	  	
000000000000

	  	  
	
368

	  	  	  	  	  	  	  	
000000000000

	  	  
	
369

	  	  	  	  	  	  	  	
000000000000

	  	  
	
370

	  	  	  	  	  	  	  	
000000000000

	  	  
	
371

	  	  	  	  	  	  	  	
000000000000

	  	  
	
372

	  	  	  	  	  	  	  	
000000000000

	  	  
	
373

	  	  	  	  	  	  	  	
000000000000

	  	  
	
374

	  	  	  	  	  	  	  	
000000000000

	  	  
	
375

	  	  	  	  	  	  	  	
000000000000

	  	  
	
376

	  	  	  	  	  	  	  	
000000000000

	  	  
	
377

	  	  	  	  	  	  	  	
000000000000

	  	  
	
378

	  	  	  	  	  	  	  	
000000000000

	  	  
	
379

	  	  	  	  	  	  	  	
000000000000

	  	  
	
380

	  	  	  	  	  	  	  	
000000000000

	  	  
	
381

	  	  	  	  	  	  	  	
000000000000

	  	  
	
382

	  	  	  	  	  	  	  	
000000000000

	  	  
	
383

	  	  	  	  	  	  	  	
000000000000

	  	  
	
384

	  	  	  	  	  	  	  	
000000000000

	  	  
	
385

	  	  	  	  	  	  	  	
000000000000

	  	  
	
386

	  	  	  	  	  	  	  	
000000000000

	  	  
	
387

	  	  	  	  	  	  	  	
000000000000

	  	  
	
388

	  	  	  	  	  	  	  	
000000000000

	  	  
	
389

	  	  	  	  	  	  	  	
000000000000

	  	  
	
390

	  	  	  	  	  	  	  	
000000000000

	  	  
	
391

	  	  	  	  	  	  	  	
000000000000

	  	  
	
392

	  	  	  	  	  	  	  	
000000000000

	  	  
	
393

	  	  	  	  	  	  	  	
000000000000

	  	  
	
394

	  	  	  	  	  	  	  	
000000000000

	  	  
	
395

	  	  	  	  	  	  	  	
000000000000

	  	  
	
396

	  	  	  	  	  	  	  	
000000000000

	  	  
	
397

	  	  	  	  	  	  	  	
000000000000

	  	  
	
398

	  	  	  	  	  	  	  	
000000000000

	  	  
	
399

	  	  	  	  	  	  	  	
000000000000

	  	  
	
400

	  	  	  	  	  	  	  	
000000000000

	  	  
	
401

	  	  	  	  	  	  	  	
000000000000

	  	  
	
402

	  	  	  	  	  	  	  	
000000000000

	  	  
	
403

	  	  	  	  	  	  	  	
000000000000

	  	  
	
404

	  	  	  	  	  	  	  	
000000000000

	  	  
	
405

	  	  	  	  	  	  	  	
000000000000

	  	  
	
406

	  	  	  	  	  	  	  	
000000000000

	  	  
	
407

	  	  	  	  	  	  	  	
000000000000

	  	  
	
408

	  	  	  	  	  	  	  	
000000000000

	  	  
	
409

	  	  	  	  	  	  	  	
000000000000

	  	  
	
410

	  	  	  	  	  	  	  	
000000000000

	  	  
	
411

	  	  	  	  	  	  	  	
000000000000

	  	  
	
412

	  	  	  	  	  	  	  	
000000000000

	  	  
	
413

	  	  	  	  	  	  	  	
000000000000

	  	  
	
414

	  	  	  	  	  	  	  	
000000000000

	  	  
	
415

	  	  	  	  	  	  	  	
000000000000

	  	  
	
416

	  	  	  	  	  	  	  	
000000000000

	  	  
	
417

	  	  	  	  	  	  	  	
000000000000

	  	  
	
418

	  	  	  	  	  	  	  	
000000000000

	  	  
	
419

	  	  	  	  	  	  	  	
000000000000

	  	  
	
420

	  	  	  	  	  	  	  	
000000000000

	  	  
	
421

	  	  	  	  	  	  	  	
000000000000

	  	  
	
422

	  	  	  	  	  	  	  	
000000000000

	  	  
	
423

	  	  	  	  	  	  	  	
000000000000

	  	  
	
424

	  	  	  	  	  	  	  	
000000000000

	  	  
	
425

	  	  	  	  	  	  	  	
000000000000

	  	  
	
426

	  	  	  	  	  	  	  	
000000000000

	  	  
	
427

	  	  	  	  	  	  	  	
000000000000

	  	  
	
428

	  	  	  	  	  	  	  	
000000000000

	  	  
	
429

	  	  	  	  	  	  	  	
000000000000

	  	  
	
430

	  	  	  	  	  	  	  	
000000000000

	  	  
	
431

	  	  	  	  	  	  	  	
000000000000

	  	  
	
432

	  	  	  	  	  	  	  	
000000000000

	  	  
	
433

	  	  	  	  	  	  	  	
000000000000

	  	  
	
434

	  	  	  	  	  	  	  	
000000000000

	  	  
	
435

	  	  	  	  	  	  	  	
000000000000

	  	  
	
436

	  	  	  	  	  	  	  	
000000000000

	  	  
	
437

	  	  	  	  	  	  	  	
000000000000

	  	  
	
438

	  	  	  	  	  	  	  	
000000000000

	  	  
	
439

	  	  	  	  	  	  	  	
000000000000

	  	  
	
440

	  	  	  	  	  	  	  	
000000000000

	  	  
	
441

	  	  	  	  	  	  	  	
000000000000

	  	  
	
442

	  	  	  	  	  	  	  	
000000000000

	  	  
	
443

	  	  	  	  	  	  	  	
000000000000

	  	  
	
444

	  	  	  	  	  	  	  	
000000000000

	  	  
	
445

	  	  	  	  	  	  	  	
000000000000

	  	  
	
446

	  	  	  	  	  	  	  	
000000000000

	  	  
	
447

	  	  	  	  	  	  	  	
000000000000

	  	  
	
448

	  	  	  	  	  	  	  	
000000000000

	  	  
	
449

	  	  	  	  	  	  	  	
000000000000

	  	  
	
450

	  	  	  	  	  	  	  	
000000000000

	  	  
	
451

	  	  	  	  	  	  	  	
000000000000

	  	  
	
452

	  	  	  	  	  	  	  	
000000000000

	  	  
	
453

	  	  	  	  	  	  	  	
000000000000

	  	  
	
454

	  	  	  	  	  	  	  	
000000000000

	  	  
	
455

	  	  	  	  	  	  	  	
000000000000

	  	  
	
456

	  	  	  	  	  	  	  	
000000000000

	  	  
	
457

	  	  	  	  	  	  	  	
000000000000

	  	  
	
458

	  	  	  	  	  	  	  	
000000000000

	  	  
	
459

	  	  	  	  	  	  	  	
000000000000

	  	  
	
460

	  	  	  	  	  	  	  	
000000000000

	  	  
	
461

	  	  	  	  	  	  	  	
000000000000

	  	  
	
462

	  	  	  	  	  	  	  	
000000000000

	  	  
	
463

	  	  	  	  	  	  	  	
000000000000

	  	  
	
464

	  	  	  	  	  	  	  	
000000000000

	  	  
	
465

	  	  	  	  	  	  	  	
000000000000

	  	  
	
466

	  	  	  	  	  	  	  	
000000000000

	  	  
	
467

	  	  	  	  	  	  	  	
000000000000

	  	  
	
468

	  	  	  	  	  	  	  	
000000000000

	  	  
	
469

	  	  	  	  	  	  	  	
000000000000

	  	  
	
470

	  	  	  	  	  	  	  	
000000000000

	  	  
	
471

	  	  	  	  	  	  	  	
000000000000

	  	  
	
472

	  	  	  	  	  	  	  	
000000000000

	  	  
	
473

	  	  	  	  	  	  	  	
000000000000

	  	  

 

	
KEY

	
Primary 

Borrower

Wage 

Income

	
Co-Borrower Wage

Income

	
Primary 

Borrower

Other 

Income

	
Co-Borrower 

Other

Income

	
All Borrower Wage

Income

	
All Borrower Total

Income

	
4506-T Indicator

	
Borrower Income

Verification Level

	
Co-Borrower

Income Verification

	
Borrower

Employment

Verification

	
1

	
0.00

	
0.00

	
0.00

	
314750.33

	
0.00

	
314750.33

	
N

	
5

	  	
2

	
2

	
0.00

	
14415.01

	
1620.17

	
0.00

	
14415.01

	
16035.18

	
N

	
5

	  	
2

	
3

	
10000.00

	
13415.42

	
0.00

	
0.00

	
23415.42

	
23415.42

	
N

	
5

	  	
2

	
4

	
10308.96

	
1671.63

	
18.25

	
-27.25

	
10838.21

	
11971.59

	
N

	
5

	  	
2

	
5

	
0.00

	
0.00

	
35149.00

	
0.00

	
0.00

	
35149.00

	
N

	
5

	  	
2

	
6

	
25921.83

	
16869.33

	
181.33

	
0.00

	
42791.16

	
42972.49

	
N

	
5

	  	
2

	
7

	
19167.00

	
-1879.92

	
2368.00

	
0.00

	
17287.08

	
19655.08

	
N

	
4

	  	
2

	
8

	
11704.33

	
3942.17

	
0.00

	
0.00

	
15646.50

	
15646.50

	
N

	
5

	  	
2

	
9

	
9250.00

	
6250.00

	
753.35

	
0.00

	
15500.00

	
16253.35

	
N

	
5

	  	
2

	
10

	
619.83

	
0.00

	
4348.33

	
0.00

	
619.83

	
4968.16

	
N

	
5

	  	
2

	
11

	
16137.00

	
0.00

	
0.00

	
0.00

	
16137.00

	
16137.00

	
N

	
5

	  	
2

	
12

	
29166.67

	
0.00

	
0.00

	
0.00

	
25000.00

	
29166.67

	
N

	
5

	  	
2

	
13

	
21162.79

	
2885.55

	
0.00

	
0.00

	
24048.34

	
24048.34

	
N

	
5

	  	
2

	
14

	
2222.33

	
0.00

	
3727.92

	
0.00

	
2222.33

	
5950.25

	
N

	
4

	  	
2

	
15

	
16938.00

	
0.00

	
538.00

	
0.00

	
13213.00

	
17476.00

	
N

	
5

	  	
2

	
16

	
6548.00

	
3481.00

	
1866.00

	
0.00

	
10029.00

	
11895.00

	
N

	
5

	  	
2

	
17

	
7060.84

	
0.00

	
0.00

	
0.00

	
7060.84

	
7060.84

	
N

	
5

	  	
2

	
18

	
18403.68

	
0.00

	
0.00

	
0.00

	
15416.68

	
18403.68

	
N

	
5

	  	
2

	
19

	
14166.00

	
0.00

	
0.00

	
0.00

	
14166.00

	
14166.00

	
N

	
5

	  	
2

	
20

	
6877.80

	
0.00

	
3043.17

	
0.00

	
6877.80

	
9920.97

	
N

	
4

	  	
2

	
21

	
0.00

	
0.00

	
10290.63

	
0.00

	
0.00

	
10290.63

	
N

	
5

	  	
2

	
22

	
15000.00

	
0.00

	
0.00

	
0.00

	
15000.00

	
15000.00

	
N

	
5

	  	
2

	
23

	
7437.50

	
0.00

	
2565.33

	
4506.25

	
7437.50

	
14509.08

	
N

	
4

	  	
2

	
24

	
25418.67

	
0.00

	
0.00

	
0.00

	
25418.67

	
25418.67

	
N

	
5

	  	
2

	
25

	
12500.00

	
0.00

	
0.00

	
2786.92

	
12500.00

	
15286.92

	
N

	
4

	  	
2

	
26

	
27501.45

	
0.00

	
0.00

	
0.00

	
27501.45

	
27501.45

	
N

	
5

	  	
2

	
27

	
9516.00

	
7014.33

	
100.00

	
1767.00

	
11096.00

	
18397.33

	
N

	
4

	  	
2

	
28

	
8000.00

	
3500.00

	
6166.67

	
0.00

	
11500.00

	
17666.67

	
N

	
5

	  	
2

	
29

	
0.00

	
0.00

	
50377.67

	
0.00

	
0.00

	
50377.67

	
N

	
5

	  	
2

	
30

	
59242.29

	
0.00

	
0.00

	
0.00

	
59242.29

	
59242.29

	
N

	
5

	  	
2

	
31

	
10675.75

	
0.00

	
68.04

	
0.00

	
10675.75

	
10743.79

	
N

	
5

	  	
2

	
32

	
52117.25

	
0.00

	
0.00

	
0.00

	
52117.25

	
52117.25

	
N

	
5

	  	
2

	
33

	
0.00

	
0.00

	
51304.83

	
0.00

	
0.00

	
51304.83

	
N

	
5

	  	
2

	
34

	
7857.00

	
0.00

	
3536.17

	
0.00

	
7857.00

	
11393.17

	
N

	
4

	  	
2

	
35

	
0.00

	
0.00

	
41758.00

	
0.00

	
0.00

	
41758.00

	
N

	
4

	  	
2

	
36

	
16214.60

	
0.00

	
0.00

	
0.00

	
14973.60

	
16214.60

	
N

	
5

	  	
2

	
37

	
11603.73

	
0.00

	
0.00

	
0.00

	
11603.73

	
11603.73

	
N

	
5

	  	
2

	
38

	
8601.00

	
0.00

	
-1076.83

	
0.00

	
8601.00

	
7524.17

	
N

	
5

	  	
2

	
39

	
2942.27

	
0.00

	
0.00

	
0.00

	
2942.27

	
2942.27

	
N

	
5

	  	
2

	
40

	
10148.75

	
3416.00

	
16666.00

	
0.00

	
13564.75

	
30230.75

	
N

	
5

	  	
2

	
41

	
0.00

	
4325.00

	
4711.00

	
0.00

	
4325.00

	
9036.00

	
N

	
5

	  	
2

	
42

	
104166.00

	
0.00

	
0.00

	
0.00

	
104166.00

	
104166.00

	
N

	
5

	  	
2

	
43

	
7158.00

	
0.00

	
125.00

	
0.00

	
7158.00

	
7283.00

	
N

	
5

	  	
2

	
44

	
35952.10

	
0.00

	
0.00

	
0.00

	
23166.68

	
35952.10

	
N

	
5

	  	
2

	
45

	
0.00

	
0.00

	
3071.32

	
964.00

	
0.00

	
4035.32

	
N

	
5

	  	
2

	
46

	
22500.00

	
0.00

	
0.00

	
0.00

	
10500.00

	
22500.00

	
N

	
5

	  	
2

	
47

	
47197.13

	
0.00

	
2928.46

	
0.00

	
47197.13

	
50125.59

	
N

	
5

	  	
2

	
48

	
0.00

	
5319.00

	
22283.00

	
3820.00

	
5319.00

	
31422.00

	
N

	
4

	  	
2

	
49

	
0.00

	
0.00

	
3780.17

	
0.00

	
0.00

	
3780.17

	
N

	
4

	  	
2

	
50

	
0.00

	
0.00

	
27472.00

	
0.00

	
0.00

	
27472.00

	
N

	
5

	  	
2

	
51

	
0.00

	
0.00

	
20297.92

	
0.00

	
0.00

	
20297.92

	
N

	
4

	  	
2

	
52

	
0.00

	
0.00

	
22856.75

	
0.00

	
0.00

	
22856.75

	
N

	
4

	  	
2

	
53

	
6666.67

	
0.00

	
812.50

	
0.00

	
6666.67

	
7479.17

	
N

	
5

	  	
2

	
54

	
0.00

	
0.00

	
206384.04

	
0.00

	
0.00

	
206384.04

	
N

	
4

	  	
2

	
55

	
0.00

	
0.00

	
40898.08

	
0.00

	
0.00

	
40898.08

	
N

	
4

	  	
2

	
56

	
0.00

	
48613.00

	
13440.00

	
0.00

	
48613.00

	
62053.00

	
N

	
4

	  	
2

	
57

	
0.00

	
0.00

	
159441.42

	
0.00

	
0.00

	
159441.42

	
N

	
5

	  	
2

	
58

	
20545.19

	
0.00

	
0.00

	
0.00

	
20545.19

	
20545.19

	
N

	
5

	  	
2

	
59

	
0.00

	
0.00

	
2977.00

	
0.00

	
0.00

	
2977.00

	
N

	
5

	  	
2

	
60

	
166666.67

	
0.00

	
0.00

	
0.00

	
166666.67

	
166666.67

	
N

	
5

	  	
2

	
61

	
20833.34

	
0.00

	
3481.00

	
0.00

	
16666.67

	
24314.34

	
N

	
5

	  	
2

	
62

	
0.00

	
0.00

	
45786.38

	
0.00

	
0.00

	
45786.38

	
N

	
5

	  	
2

	
63

	
20833.00

	
0.00

	
0.00

	
0.00

	
20833.00

	
20833.00

	
N

	
5

	  	
2

	
64

	
0.00

	
0.00

	
23951.00

	
0.00

	
0.00

	
23951.00

	
N

	
4

	  	
2

	
65

	
27750.43

	
0.00

	
0.00

	
0.00

	
27750.43

	
27750.43

	
N

	
5

	  	
2

	
66

	
0.00

	
0.00

	
36788.00

	
0.00

	
0.00

	
36788.00

	
N

	
5

	  	
2

	
67

	
0.00

	
0.00

	
21744.67

	
0.00

	
0.00

	
21744.67

	
N

	
5

	  	
2

	
68

	
0.00

	
0.00

	
14975.25

	
0.00

	
0.00

	
14975.25

	
N

	
5

	  	
2

	
69

	
16667.00

	
0.00

	
17841.00

	
0.00

	
16667.00

	
34508.00

	
N

	
5

	  	
2

	
70

	
64129.58

	
0.00

	
0.00

	
0.00

	
64129.58

	
64129.58

	
N

	
5

	  	
2

	
71

	
18000.00

	
0.00

	
21658.01

	
0.00

	
18000.00

	
39658.01

	
N

	
4

	  	
2

	
72

	
44978.00

	
0.00

	
0.00

	
0.00

	
24187.00

	
44978.00

	
N

	
5

	  	
2

	
73

	
0.00

	
0.00

	
35354.10

	
0.00

	
0.00

	
35354.10

	
N

	
4

	  	
2

	
74

	
136939.00

	
0.00

	
0.00

	
0.00

	
25000.00

	
136939.00

	
N

	
4

	  	
2

	
75

	
37500.00

	
0.00

	
0.00

	
0.00

	
37500.00

	
37500.00

	
N

	
5

	  	
2

	
76

	
22375.00

	
2250.00

	
0.00

	
0.00

	
24625.00

	
24625.00

	
N

	
4

	  	
2

	
77

	
12180.00

	
8152.00

	
0.00

	
0.00

	
20332.00

	
20332.00

	
N

	
5

	  	
2

	
78

	
0.00

	
0.00

	
12180.00

	
8152.00

	
0.00

	
20332.00

	
N

	
5

	  	
2

	
79

	
6250.00

	
0.00

	
0.00

	
0.00

	
6250.00

	
6250.00

	
N

	
5

	  	
2

	
80

	
0.00

	
0.00

	
28904.08

	
0.00

	
0.00

	
28904.08

	
N

	
5

	  	
2

	
81

	
0.00

	
0.00

	
53266.58

	
0.00

	
0.00

	
53266.58

	
N

	
4

	  	
2

	
82

	
51960.92

	
0.00

	
0.00

	
0.00

	
21408.42

	
51960.92

	
N

	
5

	  	
2

	
83

	
40306.09

	
0.00

	
0.00

	
0.00

	
24162.34

	
40306.09

	
N

	
5

	  	
2

	
84

	
0.00

	
3333.00

	
11262.00

	
0.00

	
3333.00

	
14595.00

	
N

	
4

	  	
2

	
85

	
21016.00

	
0.00

	
801.83

	
0.00

	
21016.00

	
21817.83

	
N

	
5

	  	
2

	
86

	
0.00

	
0.00

	
47507.70

	
0.00

	
0.00

	
47507.70

	
N

	
4

	  	
2

	
87

	
44672.00

	
0.00

	
0.00

	
0.00

	
44672.00

	
44672.00

	
N

	
5

	  	
2

	
88

	
15487.00

	
0.00

	
1449.00

	
0.00

	
15487.00

	
16936.00

	
N

	
5

	  	
2

	
89

	
0.00

	
0.00

	
32862.08

	
0.00

	
0.00

	
32862.08

	
N

	
4

	  	
2

	
90

	
15000.00

	
0.00

	
0.00

	
11368.00

	
12500.00

	
26368.00

	
N

	
5

	  	
2

	
91

	
44469.16

	
0.00

	
0.00

	
0.00

	
29885.83

	
44469.16

	
N

	
5

	  	
2

	
92

	
6750.00

	
9231.00

	
1371.43

	
0.00

	
15981.00

	
17352.43

	
N

	
5

	  	
2

	
93

	
24948.00

	
0.00

	
13787.50

	
0.00

	
24948.00

	
38735.50

	
N

	
4

	  	
2

	
94

	
0.00

	
0.00

	
20128.00

	
0.00

	
0.00

	
20128.00

	
N

	
4

	  	
2

	
95

	
16666.00

	
0.00

	
27000.00

	
0.00

	
16666.00

	
43666.00

	
N

	
5

	  	
2

	
96

	
0.00

	
0.00

	
7066.79

	
3750.00

	
0.00

	
10816.79

	
N

	
4

	  	
2

	
97

	
39000.00

	
12065.00

	
0.00

	
479.75

	
51065.00

	
51544.75

	
N

	
5

	  	
2

	
98

	
88380.00

	
0.00

	
0.00

	
0.00

	
88380.00

	
88380.00

	
N

	
4

	  	
2

	
99

	
60387.34

	
0.00

	
0.00

	
0.00

	
60387.34

	
60387.34

	
N

	
4

	  	
2

	
100

	
32414.34

	
0.00

	
0.00

	
0.00

	
32414.34

	
32414.34

	
N

	
5

	  	
2

	
101

	
42308.00

	
0.00

	
458.84

	
0.00

	
42308.00

	
42766.84

	
N

	
5

	  	
2

	
102

	
0.00

	
0.00

	
36827.17

	
0.00

	
0.00

	
36827.17

	
N

	
5

	  	
2

	
103

	
5515.92

	
0.00

	
1152.61

	
0.00

	
5515.92

	
6668.53

	
N

	
5

	  	
2

	
104

	
0.00

	
0.00

	
30936.25

	
0.00

	
0.00

	
30936.25

	
N

	
4

	  	
2

	
105

	
7743.94

	
14583.34

	
0.00

	
0.00

	
22327.28

	
22327.28

	
N

	
5

	  	
2

	
106

	
19166.67

	
8952.42

	
9414.33

	
0.00

	
28119.09

	
37533.42

	
N

	
4

	  	
2

	
107

	
15000.00

	
3333.00

	
0.00

	
500.00

	
18333.00

	
18833.00

	
N

	
5

	  	
2

	
108

	
37916.67

	
10000.00

	
12916.67

	
0.00

	
47916.67

	
60833.34

	
N

	
4

	  	
2

	
109

	
7083.34

	
2916.67

	
5266.51

	
2644.83

	
10000.01

	
17911.35

	
N

	
4

	  	
2

	
110

	
14583.00

	
0.00

	
7019.00

	
0.00

	
14583.00

	
21602.00

	
N

	
5

	  	
2

	
111

	
41666.00

	
0.00

	
0.00

	
0.00

	
16666.00

	
41666.00

	
N

	
5

	  	
2

	
112

	
2515.75

	
0.00

	
1334.00

	
0.00

	
2515.75

	
3849.75

	
N

	
5

	  	
2

	
113

	
0.00

	
7583.34

	
9543.58

	
0.00

	
7583.34

	
17126.92

	
N

	
4

	  	
2

	
114

	
18750.00

	
0.00

	
0.00

	
0.00

	
18750.00

	
18750.00

	
N

	
5

	  	
2

	
115

	
22745.85

	
0.00

	
0.00

	
0.00

	
22745.85

	
22745.85

	
N

	
5

	  	
2

	
116

	
28023.50

	
0.00

	
0.00

	
0.00

	
28023.50

	
28023.50

	
N

	
5

	  	
2

	
117

	
0.00

	
0.00

	
15610.62

	
0.00

	
0.00

	
15610.62

	
N

	
4

	  	
2

	
118

	
0.00

	
0.00

	
64653.00

	
0.00

	
0.00

	
64653.00

	
N

	
5

	  	
2

	
119

	
0.00

	
0.00

	
14035.88

	
0.00

	
0.00

	
14035.88

	
N

	
5

	  	
2

	
120

	
19565.64

	
9166.68

	
2378.17

	
0.00

	
28732.32

	
31110.49

	
N

	
5

	  	
2

	
121

	
7083.34

	
3708.34

	
0.00

	
0.00

	
10791.68

	
10791.68

	
N

	
5

	  	
2

	
122

	
0.00

	
24884.09

	
36029.22

	
0.00

	
24884.09

	
60913.31

	
N

	
4

	  	
2

	
123

	
16916.67

	
17091.67

	
0.00

	
0.00

	
34008.34

	
34008.34

	
N

	
5

	  	
2

	
124

	
0.00

	
0.00

	
57213.42

	
0.00

	
0.00

	
57213.42

	
N

	
4

	  	
2

	
125

	
0.00

	
0.00

	
10311.33

	
0.00

	
0.00

	
10311.33

	
N

	
4

	  	
2

	
126

	
16667.00

	
12552.00

	
0.00

	
0.00

	
29219.00

	
29219.00

	
N

	
5

	  	
2

	
127

	
0.00

	
0.00

	
9161.61

	
0.00

	
0.00

	
9161.61

	
N

	
5

	  	
2

	
128

	
47500.00

	
0.00

	
0.00

	
0.00

	
37500.00

	
47500.00

	
N

	
5

	  	
2

	
129

	
0.00

	
0.00

	
45000.00

	
0.00

	
0.00

	
45000.00

	
N

	
4

	  	
2

	
130

	
0.00

	
0.00

	
26134.08

	
-3247.67

	
0.00

	
22886.41

	
N

	
4

	  	
2

	
131

	
0.00

	
0.00

	
39134.83

	
0.00

	
0.00

	
39134.83

	
N

	
5

	  	
2

	
132

	
0.00

	
6195.45

	
5261.75

	
0.00

	
6195.45

	
11457.20

	
N

	
5

	  	
2

	
133

	
25045.00

	
0.00

	
0.00

	
0.00

	
25045.00

	
25045.00

	
N

	
5

	  	
2

	
134

	
34541.00

	
0.00

	
0.00

	
0.00

	
34541.00

	
34541.00

	
N

	
5

	  	
2

	
135

	
100103.00

	
0.00

	
0.00

	
0.00

	
23958.00

	
100103.00

	
N

	
5

	  	
2

	
136

	
100103.34

	
0.00

	
0.00

	
0.00

	
23958.34

	
100103.34

	
N

	
5

	  	
2

	
137

	
11302.89

	
16962.17

	
945.64

	
0.00

	
28265.06

	
29210.70

	
N

	
5

	  	
2

	
138

	
36249.67

	
0.00

	
1756.14

	
0.00

	
16666.67

	
38005.81

	
N

	
5

	  	
2

	
139

	
75738.84

	
0.00

	
0.00

	
0.00

	
20833.34

	
75738.84

	
N

	
4

	  	
2

	
140

	
220775.17

	
0.00

	
0.00

	
0.00

	
24062.50

	
220775.17

	
N

	
4

	  	
2

	
141

	
92917.00

	
0.00

	
0.00

	
0.00

	
92917.00

	
92917.00

	
N

	
5

	  	
2

	
142

	
73155.35

	
0.00

	
0.00

	
0.00

	
73155.35

	
73155.35

	
N

	
4

	  	
2

	
143

	
10911.00

	
10433.00

	
0.00

	
15840.00

	
21344.00

	
37184.00

	
Y

	
5

	  	
3

	
144

	
20000.00

	
7466.55

	
0.00

	
0.00

	
27466.55

	
27466.55

	
Y

	
5

	  	
3

	
145

	
0.00

	  	
35615.00

	  	
0.00

	
35615.00

	
Y

	
5

	  	
3

	
146

	
9903.90

	  	
0.00

	  	
9903.90

	
9903.90

	
Y

	
5

	  	
3

	
147

	
19792.00

	  	
-742.00

	  	
19792.00

	
19050.00

	
Y

	
4

	  	
3

	
148

	
6667.00

	
7233.00

	
9776.00

	
0.00

	
13900.00

	
23676.00

	
Y

	
5

	  	
3

	
149

	
27228.00

	
1899.00

	
293.00

	
842.00

	
29127.00

	
30262.00

	
Y

	
5

	  	
3

	
150

	
0.00

	
19593.00

	
1957.00

	
-514.00

	
19593.00

	
21036.00

	
Y

	
5

	  	
3

	
151

	
24182.00

	  	
1355.00

	  	
24182.00

	
25537.00

	
Y

	
4

	  	
3

	
152

	
17250.00

	  	
13753.00

	  	
17250.00

	
31003.00

	
Y

	
5

	  	
3

	
153

	
33333.00

	  	
0.00

	  	
33333.00

	
33333.00

	
Y

	
5

	  	
3

	
154

	
33333.33

	  	
0.00

	  	
33333.33

	
33333.33

	
Y

	
5

	  	
3

	
155

	
6986.53

	
24150.00

	
0.00

	
0.00

	
31136.53

	
31136.53

	
Y

	
5

	  	
3

	
156

	
32924.00

	  	
-923.00

	  	
32924.00

	
32001.00

	
Y

	
5

	  	
3

	
157

	
40018.00

	
8571.00

	
0.00

	
0.00

	
48589.00

	
48589.00

	
Y

	
5

	  	
3

	
158

	
12500.00

	  	
12833.00

	  	
12500.00

	
25333.00

	
Y

	
5

	  	
3

	
159

	
31250.00

	  	
0.00

	  	
31250.00

	
31250.00

	
Y

	
5

	  	
3

	
160

	
18333.33

	  	
0.00

	  	
18333.33

	
18333.33

	
Y

	
5

	  	
3

	
161

	
15000.00

	  	
0.00

	  	
15000.00

	
15000.00

	
Y

	
5

	  	
3

	
162

	
36784.00

	  	
0.00

	  	
36784.00

	
36784.00

	
Y

	
5

	  	
3

	
163

	
0.00

	  	
40227.00

	  	
0.00

	
40227.00

	
Y

	
4

	  	
3

	
164

	
4555.03

	
10339.64

	
0.00

	
667.00

	
14894.67

	
15561.67

	
Y

	
5

	  	
3

	
165

	
17195.16

	  	
-112.46

	  	
17195.16

	
17082.70

	
Y

	
5

	  	
3

	
166

	
6666.00

	  	
5997.00

	  	
6666.00

	
12663.00

	
N

	
5

	  	
3

	
167

	
4973.24

	  	
0.00

	  	
4973.24

	
4973.24

	
N

	
5

	  	
3

	
168

	
19983.25

	  	
0.00

	  	
19983.25

	
19983.25

	
N

	
5

	  	
3

	
169

	
0.00

	  	
11192.42

	  	
0.00

	
11192.42

	
N

	
5

	  	
3

	
170

	
11666.67

	  	
0.00

	  	
11666.67

	
11666.67

	
N

	
5

	  	
2

	
171

	
11666.67

	
0.00

	
34160.83

	
3338.42

	
11666.67

	
49165.92

	
N

	
5

	  	
3

	
172

	
0.00

	  	
6978.57

	  	
0.00

	
6978.57

	
N

	
5

	  	
3

	
173

	
8754.08

	  	
18961.21

	  	
8754.08

	
27715.29

	
N

	
4

	  	
3

	
174

	
3786.46

	  	
0.00

	  	
3786.46

	
3786.46

	
N

	
5

	  	
3

	
175

	
0.00

	  	
23805.45

	  	
0.00

	
23805.45

	
N

	
4

	  	
3

	
176

	
11158.00

	  	
0.00

	  	
11158.00

	
11158.00

	
N

	
5

	  	
3

	
177

	
0.00

	  	
1411291.00

	  	
0.00

	
1411291.00

	
N

	
4

	  	
3

	
178

	
39583.33

	  	
6592.40

	  	
39583.33

	
46175.73

	
N

	
5

	  	
3

	
179

	
137307.31

	  	
0.00

	  	
137307.31

	
137307.31

	
N

	
5

	  	
3

	
180

	
17506.10

	  	
6770.92

	  	
17506.10

	
24277.02

	
N

	
5

	  	
3

	
181

	
18750.00

	
0.00

	
435.00

	
2104.42

	
18750.00

	
21289.42

	
N

	
5

	  	
3

	
182

	
0.00

	  	
86508.00

	  	
0.00

	
86508.00

	
N

	
4

	  	
3

	
183

	
29167.00

	  	
0.00

	  	
29167.00

	
29167.00

	
N

	
5

	  	
3

	
184

	
35188.88

	  	
3351.08

	  	
35188.88

	
38539.96

	
N

	
4

	  	
2

	
185

	
10150.00

	
8750.00

	
530.25

	
0.00

	
18900.00

	
19430.25

	
N

	
5

	  	
3

	
186

	
6250.00

	
6250.00

	
10747.04

	
0.00

	
12500.00

	
23247.04

	
N

	
4

	  	
2

	
187

	
93760.46

	
0.00

	
1767.25

	
0.00

	
93760.46

	
95527.71

	
N

	
5

	  	
3

	
188

	
30184.03

	
2315.14

	
14447.56

	
0.00

	
32499.17

	
46946.73

	
N

	
4

	  	
2

	
189

	
60562.00

	
6500.00

	
36881.00

	
0.00

	
67062.00

	
103943.00

	
N

	
4

	  	
2

	
190

	
0.00

	
12895.69

	
8313.93

	
0.00

	
12895.69

	
21209.62

	
N

	
5

	  	
3

	
191

	
0.00

	
29477.24

	
4372.46

	
0.00

	
29477.24

	
33849.70

	
N

	
5

	  	
3

	
192

	
25000.00

	  	
10047.45

	  	
25000.00

	
35047.45

	
N

	
5

	  	
3

	
193

	
0.00

	
0.00

	
28664.94

	
9180.66

	
0.00

	
37845.60

	
N

	
4

	  	
3

	
194

	
41290.00

	
8333.00

	
0.00

	
0.00

	
49623.00

	
49623.00

	
N

	
5

	  	
3

	
195

	
22231.92

	
11823.75

	
2119.07

	
0.00

	
34055.67

	
36174.74

	
N

	
4

	  	
2

	
196

	
9269.24

	  	
3098.25

	  	
9269.24

	
12367.49

	
N

	
5

	  	
3

	
197

	
8333.33

	  	
16394.51

	  	
8333.33

	
24727.84

	
N

	
4

	  	
2

	
198

	
13333.33

	
15369.54

	
1666.67

	
1666.67

	
28702.87

	
32036.21

	
N

	
5

	  	
3

	
199

	
0.00

	  	
40967.48

	  	
0.00

	
40967.48

	
N

	
4

	  	
3

	
200

	
23096.09

	  	
745.08

	  	
23096.09

	
23841.17

	
N

	
4

	  	
3

	
201

	
25000.00

	  	
0.00

	  	
25000.00

	
25000.00

	
N

	
5

	  	
3

	
202

	
19166.67

	  	
0.00

	  	
19166.67

	
19166.67

	
N

	
5

	  	
2

	
203

	
9696.00

	  	
0.00

	  	
9696.00

	
9696.00

	
N

	
5

	  	
3

	
204

	
0.00

	
2500.00

	
9334.48

	
1624.00

	
2500.00

	
13458.48

	
N

	
5

	  	
3

	
205

	
11169.00

	
11203.00

	
0.00

	
0.00

	
22372.00

	
22372.00

	
N

	
4

	  	
3

	
206

	
30158.00

	  	
0.00

	  	
30158.00

	
30158.00

	
N

	
5

	  	
3

	
207

	
20719.00

	  	
13673.00

	  	
20719.00

	
34392.00

	
N

	
5

	  	
3

	
208

	
0.00

	
0.00

	
22630.48

	
772.30

	
0.00

	
23402.78

	
N

	
5

	  	
3

	
209

	
41250.00

	  	
6781.00

	  	
41250.00

	
48031.00

	
N

	
5

	  	
3

	
210

	
25649.00

	
14583.00

	
0.00

	
0.00

	
40232.00

	
40232.00

	
N

	
5

	  	
3

	
211

	  	
22245.75

	  	
0.00

	
22245.75

	
22245.75

	
N

	
4

	  	
3

	
212

	
8888.00

	  	
4147.00

	  	
8888.00

	
13035.00

	
N

	
5

	  	
3

	
213

	
89166.70

	  	
0.00

	  	
89166.70

	
89166.70

	
N

	
5

	  	
3

	
214

	
22399.00

	
11115.00

	
-881.00

	
0.00

	
33514.00

	
32633.00

	
N

	
5

	  	
3

	
215

	
28333.32

	  	
0.00

	  	
28333.32

	
28333.32

	
N

	
5

	  	
3

	
216

	
31940.00

	
31940.00

	
16040.61

	
9576.00

	
63880.00

	
89496.61

	
N

	
4

	  	
3

	
217

	
28702.00

	  	
0.00

	  	
28702.00

	
28702.00

	
N

	
5

	  	
3

	
218

	
50000.00

	  	
0.00

	  	
50000.00

	
50000.00

	
N

	
5

	  	
3

	
219

	
21651.00

	  	
1308.00

	  	
21651.00

	
22959.00

	
N

	
5

	  	
3

	
220

	
80068.00

	  	
28770.00

	  	
80068.00

	
108838.00

	
N

	
5

	  	
3

	
221

	
14000.00

	  	
0.00

	  	
14000.00

	
14000.00

	
N

	
5

	  	
3

	
222

	
23750.00

	  	
0.00

	  	
23750.00

	
23750.00

	
N

	
5

	  	
3

	
223

	
31704.55

	  	
0.00

	  	
31704.55

	
31704.55

	
N

	
5

	  	
3

	
224

	
61043.00

	
0.00

	
2571.00

	
501.00

	
61043.00

	
64115.00

	
N

	
4

	  	
3

	
225

	
25944.00

	  	
0.00

	  	
25944.00

	
25944.00

	
N

	
5

	  	
3

	
226

	
21150.00

	  	
2695.97

	  	
21150.00

	
23845.97

	
N

	
5

	  	
3

	
227

	
7256.00

	
5580.00

	
0.00

	
0.00

	
12836.00

	
12836.00

	
N

	
5

	  	
3

	
228

	
0.00

	
9616.00

	
23160.00

	
0.00

	
9616.00

	
32776.00

	
N

	
5

	  	
3

	
229

	
52737.00

	  	
0.00

	  	
52737.00

	
52737.00

	
Y

	
5

	  	
3

	
230

	
12671.69

	
14583.33

	
0.00

	
0.00

	
27255.02

	
27255.02

	
Y

	
5

	  	
3

	
231

	
5122.00

	
13866.00

	
0.00

	
0.00

	
18988.00

	
18988.00

	
N

	
5

	  	
3

	
232

	
54000.00

	  	
0.00

	  	
54000.00

	
54000.00

	
Y

	
5

	  	
3

	
233

	
8166.67

	
12168.00

	
0.00

	
0.00

	
20334.67

	
20334.67

	
Y

	
5

	  	
3

	
234

	
11014.00

	
15900.00

	
0.00

	
0.00

	
26914.00

	
26914.00

	
N

	
5

	  	
3

	
235

	
10383.00

	
10325.00

	
0.00

	
0.00

	
20708.00

	
20708.00

	
N

	
5

	  	
3

	
236

	
18173.42

	  	
0.00

	  	
18173.42

	
18173.42

	
N

	
4

	  	
3

	
237

	
0.00

	  	
28827.42

	  	
0.00

	
28827.42

	
N

	
4

	  	
2

	
238

	
22916.68

	  	
0.00

	  	
22916.68

	
22916.68

	
N

	
5

	  	
3

	
239

	
13535.46

	  	
0.00

	  	
13535.46

	
13535.46

	
N

	
5

	  	
3

	
240

	
0.00

	
0.00

	
41718.00

	
46818.00

	
0.00

	
88536.00

	
N

	
5

	  	
3

	
241

	
46978.67

	  	
0.00

	  	
46978.67

	
46978.67

	
N

	
4

	  	
3

	
242

	
36937.50

	
7980.83

	
0.00

	
0.00

	
44918.33

	
44918.33

	
Y

	
4

	  	
3

	
243

	
12750.01

	
3427.92

	
0.00

	
0.00

	
16177.93

	
16177.93

	
N

	
5

	  	
3

	
244

	
166503.00

	  	
0.00

	  	
166503.00

	
166503.00

	
Y

	
4

	  	
3

	
245

	
18671.00

	  	
4515.00

	  	
18671.00

	
23186.00

	
N

	
5

	  	
3

	
246

	
32996.00

	  	
-58.00

	  	
32996.00

	
32938.00

	
N

	
5

	  	
3

	
247

	
25000.00

	  	
0.00

	  	
25000.00

	
25000.00

	
Y

	
5

	  	
3

	
248

	
19647.33

	
4357.00

	
0.00

	
0.00

	
24004.33

	
24004.33

	
N

	
5

	  	
3

	
249

	
26250.00

	  	
0.00

	  	
26250.00

	
26250.00

	
N

	
5

	  	
3

	
250

	
0.00

	
5913.12

	
29688.00

	
0.00

	
5913.12

	
36046.00

	
N

	
5

	  	
3

	
251

	
22230.60

	
14917.20

	
0.00

	
0.00

	
37147.80

	
37147.80

	
N

	
5

	  	
3

	
252

	
18422.00

	
2720.00

	
-819.00

	
1773.00

	
21142.00

	
22096.00

	
N

	
4

	  	
3

	
253

	
17503.00

	  	
13948.00

	  	
17503.00

	
31451.00

	
N

	
5

	  	
3

	
254

	
31193.00

	
0.00

	
-3753.00

	
10495.00

	
31193.00

	
37935.00

	
N

	
5

	  	
3

	
255

	
2917.00

	  	
21271.00

	  	
2917.00

	
24188.00

	
N

	
5

	  	
3

	
256

	
192276.00

	  	
0.00

	  	
192276.00

	
192276.00

	
N

	
5

	  	
3

	
257

	
0.00

	  	
30997.00

	  	
0.00

	
30997.00

	
N

	
5

	  	
2

	
258

	
0.00

	  	
31795.00

	  	
0.00

	
31795.00

	
N

	
4

	  	
2

	
259

	
31380.00

	
7930.00

	
2004.00

	
0.00

	
39310.00

	
41314.00

	
N

	
5

	  	
3

	
260

	
18750.00

	  	
1297.00

	  	
18750.00

	
20047.00

	
N

	
5

	  	
3

	
261

	
10417.00

	  	
15492.00

	  	
10417.00

	
25909.00

	
N

	
5

	  	
3

	
262

	
14055.00

	  	
1144.75

	  	
14055.00

	
15199.75

	
N

	
4

	  	
3

	
263

	
12.00

	  	
13544.00

	  	
12.00

	
13556.00

	
N

	
4

	  	
3

	
264

	
17606.00

	
7078.00

	
0.00

	
0.00

	
24684.00

	
24684.00

	
N

	
4

	  	
3

	
265

	
4796.00

	
12023.00

	
0.00

	
0.00

	
16819.00

	
16819.00

	
N

	
4

	  	
3

	
266

	
18750.00

	  	
8333.00

	  	
18750.00

	
27083.00

	
N

	
5

	  	
3

	
267

	
21667.00

	  	
29530.00

	  	
21667.00

	
51197.00

	
N

	
5

	  	
3

	
268

	
16883.00

	  	
6141.00

	  	
16883.00

	
23024.00

	
N

	
5

	  	
3

	
269

	
10000.00

	
12950.00

	
2983.00

	
0.00

	
22950.00

	
25933.00

	
N

	
5

	  	
3

	
270

	
16689.00

	  	
5241.00

	  	
16689.00

	
21930.00

	
N

	
5

	  	
3

	
271

	
11834.00

	
4833.00

	
0.00

	
6591.00

	
16667.00

	
23258.00

	
N

	
5

	  	
3

	
272

	
139830.00

	  	
-4830.00

	  	
139830.00

	
135000.00

	
N

	
4

	  	
3

	
273

	
762.00

	
0.00

	
15172.39

	
1389.38

	
762.00

	
17323.77

	
N

	
5

	  	
3

	
274

	
17418.00

	
2917.00

	
556.00

	
0.00

	
20335.00

	
20891.00

	
N

	
5

	  	
3

	
275

	
25000.00

	  	
0.00

	  	
25000.00

	
25000.00

	
N

	
5

	  	
3

	
276

	
25846.00

	  	
8988.00

	  	
25846.00

	
34834.00

	
N

	
5

	  	
3

	
277

	
20904.80

	  	
-200.00

	  	
20904.80

	
20704.80

	
N

	
5

	  	
3

	
278

	
13750.00

	
20111.00

	
-1487.00

	
0.00

	
33861.00

	
32374.00

	
N

	
5

	  	
3

	
279

	
20833.00

	
7083.00

	
39022.00

	
0.00

	
27916.00

	
66938.00

	
N

	
5

	  	
3

	
280

	
4000.00

	
5022.77

	
11084.06

	
191.00

	
9022.77

	
20297.83

	
N

	
5

	  	
3

	
281

	
33026.00

	  	
-1836.00

	  	
33026.00

	
31190.00

	
N

	
4

	  	
2

	
282

	
15251.80

	
10416.68

	
0.00

	
0.00

	
25668.48

	
25668.48

	
N

	
5

	  	
2

	
283

	
27083.34

	
23125.00

	
-6843.00

	
0.00

	
50208.34

	
43365.34

	
N

	
5

	  	
3

	
284

	
25000.00

	  	
57692.00

	  	
25000.00

	
82692.00

	
N

	
5

	  	
2

	
285

	
80481.00

	
2000.00

	
0.00

	
0.00

	
82481.00

	
82481.00

	
N

	
4

	  	
3

	
286

	
19500.00

	
10690.33

	
0.00

	
0.00

	
30190.33

	
30190.33

	
N

	
5

	  	
2

	
287

	
2958.00

	
9094.83

	
2409.00

	
0.00

	
12052.83

	
14461.83

	
N

	
4

	  	
2

	
288

	
52658.00

	  	
0.00

	  	
52658.00

	
52658.00

	
N

	
4

	  	
3

	
289

	
0.00

	  	
10321.00

	  	
0.00

	
10321.00

	
N

	
5

	  	
3

	
290

	
33333.33

	  	
11921.00

	  	
33333.33

	
45254.33

	
N

	
5

	  	
3

	
291

	
25292.00

	  	
8524.00

	  	
25292.00

	
33816.00

	
N

	
4

	  	
3

	
292

	
20833.33

	
10833.33

	
0.00

	
0.00

	
31666.66

	
31666.66

	
N

	
5

	  	
3

	
293

	
5111.00

	
7916.67

	
0.00

	
18181.98

	
13027.67

	
31209.65

	
N

	
5

	  	
3

	
294

	
12083.32

	
11440.18

	
5340.46

	
-54.17

	
23523.50

	
28809.79

	
N

	
5

	  	
3

	
295

	
14579.00

	  	
2624.32

	  	
14579.00

	
17203.32

	
N

	
4

	  	
3

	
296

	
335148.08

	  	
4001.00

	  	
335148.08

	
339149.08

	
N

	
5

	  	
3

	
297

	
18146.00

	
22044.00

	
231.00

	
0.00

	
40190.00

	
40421.00

	
N

	
4

	  	
3

	
298

	
66667.00

	  	
0.00

	  	
66667.00

	
66667.00

	
N

	
5

	  	
3

	
299

	
14392.00

	
5373.00

	
4167.00

	
0.00

	
19765.00

	
23932.00

	
N

	
5

	  	
3

	
300

	
16916.66

	  	
11570.00

	  	
16916.66

	
28486.66

	
N

	
5

	  	
3

	
301

	
0.00

	  	
37166.00

	  	
0.00

	
37166.00

	
N

	
5

	  	
3

	
302

	
18965.00

	
10416.66

	
0.00

	
0.00

	
29381.66

	
29381.66

	
N

	
5

	  	
3

	
303

	
35706.67

	  	
0.00

	  	
35706.67

	
35706.67

	
Y

	
5

	  	
2

	
304

	
17500.00

	  	
0.00

	  	
17500.00

	
17500.00

	
Y

	
5

	  	
3

	
305

	
25679.08

	  	
0.00

	  	
25679.08

	
25679.08

	
Y

	
5

	  	
3

	
306

	
11666.66

	  	
8705.00

	  	
11666.66

	
20371.66

	
Y

	
5

	  	
3

	
307

	
5713.70

	  	
11765.00

	  	
5713.70

	
17478.70

	
N

	
5

	  	
3

	
308

	
23750.00

	  	
0.00

	  	
23750.00

	
23750.00

	
N

	
5

	  	
3

	
309

	
14500.00

	  	
15791.67

	  	
14500.00

	
30291.67

	
N

	
5

	  	
3

	
310

	
42531.67

	  	
0.00

	  	
42531.67

	
42531.67

	
Y

	
5

	  	
3

	
311

	
16713.63

	  	
-250.00

	  	
16713.63

	
16463.63

	
N

	
5

	  	
3

	
312

	
13000.00

	
10230.65

	
-13.17

	
0.00

	
23230.65

	
23217.48

	
Y

	
5

	  	
3

	
313

	
9188.00

	  	
27578.00

	  	
9188.00

	
36766.00

	
Y

	
4

	  	
3

	
314

	
12500.00

	
11299.99

	
0.00

	
0.00

	
23799.99

	
23799.99

	
Y

	
5

	  	
3

	
315

	
12972.34

	  	
0.00

	  	
12972.34

	
12972.34

	
Y

	
5

	  	
2

	
316

	
21145.84

	  	
0.00

	  	
21145.84

	
21145.84

	
N

	
5

	  	
3

	
317

	
7411.00

	  	
3544.00

	  	
7411.00

	
10955.00

	
Y

	
4

	  	
3

	
318

	
13750.01

	
15944.35

	
0.00

	
0.00

	
29694.36

	
29694.36

	
Y

	
5

	  	
3

	
319

	
14583.33

	
14377.08

	
-1118.00

	
6086.67

	
28960.41

	
33929.08

	
Y

	
5

	  	
3

	
320

	
16270.52

	  	
0.00

	  	
16270.52

	
16270.52

	
Y

	
5

	  	
3

	
321

	
16250.00

	  	
0.00

	  	
16250.00

	
16250.00

	
Y

	
5

	  	
3

	
322

	
16666.66

	  	
0.00

	  	
16666.66

	
16666.66

	
Y

	
5

	  	
3

	
323

	
11380.74

	
0.00

	
15031.25

	
1047.00

	
11380.74

	
27458.99

	
Y

	
5

	  	
3

	
324

	
21666.68

	  	
0.00

	  	
21666.68

	
21666.68

	
Y

	
5

	  	
2

	
325

	
11147.59

	  	
0.00

	  	
11147.59

	
11147.59

	
Y

	
5

	  	
3

	
326

	
13211.96

	  	
0.00

	  	
13211.96

	
13211.96

	
Y

	
5

	  	
3

	
327

	  	
41666.67

	  	
-598.79

	
41666.67

	
41067.88

	
Y

	
5

	  	
2

	
328

	
67989.60

	  	
0.00

	  	
67989.60

	
67989.60

	
Y

	
5

	  	
3

	
329

	
14454.17

	
9479.17

	
0.00

	
0.00

	
23933.34

	
23933.34

	
Y

	
5

	  	
3

	
330

	
31250.00

	  	
52303.00

	  	
31250.00

	
83553.00

	
Y

	
5

	  	
3

	
331

	  	
13152.58

	  	
14953.40

	
13152.58

	
28105.98

	
N

	
5

	  	
3

	
332

	
16666.67

	  	
0.00

	  	
16666.67

	
16666.67

	
Y

	
5

	  	
3

	
333

	
41666.67

	  	
0.00

	  	
41666.67

	
41666.67

	
Y

	
5

	  	
3

	
334

	
12141.67

	  	
2470.11

	  	
12141.67

	
14611.78

	
Y

	
5

	  	
3

	
335

	
22085.35

	
9225.86

	
-1122.17

	
0.00

	
31311.21

	
30189.04

	
Y

	
5

	  	
3

	
336

	
5416.67

	
16681.34

	
0.00

	
0.00

	
22098.01

	
22098.01

	
Y

	
5

	  	
2

	
337

	
8583.34

	
0.00

	
5607.30

	
1009.40

	
8583.34

	
15200.04

	
Y

	
5

	  	
3

	
338

	
11351.44

	
11250.00

	
0.00

	
0.00

	
22601.44

	
22601.44

	
Y

	
5

	  	
3

	
339

	
20000.00

	  	
-2093.67

	  	
20000.00

	
17906.33

	
Y

	
5

	  	
3

	
340

	
3333.33

	
5897.42

	
15443.48

	
0.00

	
9230.75

	
24674.23

	
Y

	
5

	  	
3

	
341

	
38724.17

	  	
0.00

	  	
38724.17

	
38724.17

	
Y

	
4

	  	
2

	
342

	
11878.67

	
6707.50

	
0.00

	
0.00

	
18586.17

	
18586.17

	
Y

	
5

	  	
3

	
343

	
25000.00

	  	
-427.00

	  	
25000.00

	
24573.00

	
N

	
5

	  	
3

	
344

	
18334.00

	  	
-2187.00

	  	
18334.00

	
16147.00

	
N

	
5

	  	
3

	
345

	
13333.34

	  	
0.00

	  	
13333.34

	
13333.34

	
N

	
5

	  	
3

	
346

	
18750.00

	  	
0.00

	  	
18750.00

	
18750.00

	
Y

	
5

	  	
3

	
347

	
9583.34

	
8984.50

	
0.00

	
0.00

	
18567.84

	
18567.84

	
Y

	
5

	  	
3

	
348

	
0.00

	  	
31012.58

	  	
0.00

	
31012.58

	
Y

	
4

	  	
3

	
349

	
18333.34

	
10833.33

	
0.00

	
0.00

	
29166.67

	
29166.67

	
Y

	
5

	  	
3

	
350

	
11437.00

	  	
2097.46

	  	
11437.00

	
13534.46

	
N

	
5

	  	
3

	
351

	
0.00

	  	
17529.00

	  	
0.00

	
17529.00

	
Y

	
5

	  	
3

	
352

	
13347.00

	
0.00

	
0.00

	
2290.91

	
13347.00

	
15637.91

	
Y

	
5

	  	
3

	
353

	
0.00

	  	
55086.43

	  	
0.00

	
55086.43

	
Y

	
5

	  	
3

	
354

	
9800.00

	
4661.67

	
-48.00

	
0.00

	
14461.67

	
14413.67

	
Y

	
5

	  	
3

	
355

	
19698.00

	  	
0.00

	  	
19698.00

	
19698.00

	
Y

	
5

	  	
3

	
356

	
22059.00

	  	
14631.00

	  	
22059.00

	
36690.00

	
Y

	
4

	  	
3

	
357

	
30822.00

	
11207.00

	
0.00

	
0.00

	
42029.00

	
42029.00

	
Y

	
5

	  	
3

	
358

	
12211.00

	
13597.00

	
0.00

	
0.00

	
25808.00

	
25808.00

	
Y

	
5

	  	
3

	
359

	
13909.00

	  	
0.00

	  	
13909.00

	
13909.00

	
Y

	
5

	  	
3

	
360

	
794.00

	  	
12798.00

	  	
794.00

	
13592.00

	
Y

	
5

	  	
3

	
361

	
48130.00

	  	
0.00

	  	
48130.00

	
48130.00

	
Y

	
5

	  	
3

	
362

	
4274.33

	
26350.42

	
0.00

	
0.00

	
30624.75

	
30624.75

	
Y

	
5

	  	
3

	
363

	
39805.88

	  	
0.00

	  	
39805.88

	
39805.88

	
Y

	
5

	  	
3

	
364

	
37817.32

	  	
0.00

	  	
37817.32

	
37817.32

	
Y

	
5

	  	
3

	
365

	  	
23164.17

	  	
0.00

	
23164.17

	
23164.17

	
Y

	
5

	  	
3

	
366

	
17128.74

	
19650.00

	
0.00

	
0.00

	
36778.74

	
36778.74

	
Y

	
5

	  	
3

	
367

	
18712.67

	
1505.47

	
0.00

	
0.00

	
20218.14

	
20218.14

	
Y

	
5

	  	
3

	
368

	
0.00

	  	
40055.00

	  	
0.00

	
40055.00

	
Y

	
5

	  	
3

	
369

	
10417.66

	
0.00

	
6054.00

	
4609.00

	
10417.66

	
21080.66

	
Y

	
5

	  	
3

	
370

	
37937.00

	
31680.00

	
0.00

	
0.00

	
69617.00

	
69617.00

	
Y

	
4

	  	
3

	
371

	
20833.34

	
10666.67

	
0.00

	
0.00

	
31500.01

	
31500.01

	
Y

	
5

	  	
3

	
372

	
21666.66

	  	
0.00

	  	
21666.66

	
21666.66

	
Y

	
5

	  	
3

	
373

	
16666.67

	  	
0.00

	  	
16666.67

	
16666.67

	
Y

	
5

	  	
3

	
374

	  	
30832.00

	  	
0.00

	
30832.00

	
30832.00

	
N

	
5

	  	
3

	
375

	
11000.00

	
21666.67

	
0.00

	
0.00

	
32666.67

	
32666.67

	
Y

	
5

	  	
3

	
376

	
24583.33

	  	
0.00

	  	
24583.33

	
24583.33

	
Y

	
5

	  	
3

	
377

	
21787.52

	
9166.69

	
-221.00

	
-398.00

	
30954.21

	
30335.21

	
Y

	
5

	  	
3

	
378

	
8000.00

	  	
5511.00

	  	
8000.00

	
13511.00

	
Y

	
5

	  	
3

	
379

	
17916.66

	
0.00

	
0.00

	
0.00

	
17916.66

	
17916.66

	
Y

	
5

	  	
3

	
380

	
21584.00

	  	
9692.00

	  	
21584.00

	
31276.00

	
Y

	
4

	  	
3

	
381

	
23819.00

	  	
0.00

	  	
23819.00

	
23819.00

	
Y

	
4

	  	
3

	
382

	
20833.33

	  	
-227.25

	  	
20833.33

	
20606.08

	
Y

	
5

	  	
3

	
383

	
25611.73

	  	
0.00

	  	
25611.73

	
25611.73

	
N

	
5

	  	
3

	
384

	
26667.00

	  	
0.00

	  	
26667.00

	
26667.00

	
N

	
5

	  	
3

	
385

	
33999.98

	  	
0.00

	  	
33999.98

	
33999.98

	
Y

	
5

	  	
3

	
386

	
0.00

	  	
17600.00

	  	
0.00

	
17600.00

	
Y

	
5

	  	
3

	
387

	
49976.87

	  	
216.25

	  	
49976.87

	
50193.12

	
N

	
5

	  	
3

	
388

	
21666.66

	  	
34613.00

	  	
21666.66

	
56279.66

	
Y

	
5

	  	
3

	
389

	
1780.00

	
0.00

	
7974.67

	
7136.00

	
1780.00

	
16890.67

	
N

	
4

	  	
3

	
390

	
22303.00

	  	
0.00

	  	
22303.00

	
22303.00

	
N

	
5

	  	
3

	
391

	
30496.11

	
17500.00

	
0.00

	
0.00

	
47996.11

	
47996.11

	
N

	
5

	  	
3

	
392

	
3000.00

	
3000.00

	
11163.14

	
0.00

	
6000.00

	
17163.14

	
Y

	
5

	  	
3

	
393

	
26666.66

	  	
0.00

	  	
26666.66

	
26666.66

	
N

	
5

	  	
3

	
394

	
33333.00

	  	
0.00

	  	
33333.00

	
33333.00

	
Y

	
5

	  	
3

	
395

	
31250.00

	  	
0.00

	  	
31250.00

	
31250.00

	
Y

	
5

	  	
3

	
396

	
40912.80

	  	
-1563.83

	  	
40912.80

	
39348.97

	
Y

	
5

	  	
3

	
397

	
4839.75

	
12700.00

	
9582.58

	
0.00

	
17539.75

	
27122.33

	
N

	
4

	  	
3

	
398

	
14025.00

	  	
0.00

	  	
14025.00

	
14025.00

	
N

	
5

	  	
3

	
399

	
53655.00

	  	
0.00

	  	
53655.00

	
53655.00

	
N

	
4

	  	
3

	
400

	
27916.67

	  	
10416.67

	  	
27916.67

	
38333.34

	
Y

	
5

	  	
3

	
401

	
0.00

	  	
50598.00

	  	
0.00

	
50598.00

	
Y

	
5

	  	
3

	
402

	
49400.00

	  	
0.00

	  	
49400.00

	
49400.00

	
N

	
5

	  	
3

	
403

	
51166.72

	  	
0.00

	  	
51166.72

	
51166.72

	
Y

	
4

	  	
3

	
404

	
13991.00

	
1187.50

	
-691.00

	
0.00

	
15178.50

	
14487.50

	
Y

	
5

	  	
3

	
405

	
15376.41

	
6819.29

	
7830.67

	
0.00

	
22195.70

	
30026.37

	
N

	
4

	  	
3

	
406

	
24883.00

	
7391.00

	
-410.00

	
0.00

	
32274.00

	
31864.00

	
Y

	
5

	  	
3

	
407

	
19902.08

	  	
0.00

	  	
19902.08

	
19902.08

	
N

	
4

	  	
3

	
408

	
35261.00

	  	
0.00

	  	
35261.00

	
35261.00

	
N

	
5

	  	
3

	
409

	
638.00

	
21114.00

	
1571.00

	
13093.00

	
21752.00

	
36416.00

	
N

	
5

	  	
3

	
410

	
21542.00

	  	
11269.00

	  	
21542.00

	
32811.00

	
Y

	
5

	  	
3

	
411

	
26250.00

	  	
0.00

	  	
26250.00

	
26250.00

	
N

	
5

	  	
3

	
412

	
10503.00

	
6402.75

	
0.00

	
0.00

	
16905.75

	
16905.75

	
N

	
5

	  	
3

	
413

	
37599.00

	  	
0.00

	  	
37599.00

	
37599.00

	
N

	
4

	  	
3

	
414

	
10417.00

	
16588.00

	
0.00

	
0.00

	
27005.00

	
27005.00

	
N

	
5

	  	
3

	
415

	
15274.05

	
11461.00

	
0.00

	
0.00

	
26735.05

	
26735.05

	
N

	
4

	  	
3

	
416

	
17173.48

	  	
0.00

	  	
17173.48

	
17173.48

	
N

	
5

	  	
3

	
417

	
17917.00

	
4698.54

	
0.00

	
0.00

	
22615.54

	
22615.54

	
N

	
4

	  	
3

	
418

	
33333.34

	  	
18124.35

	  	
33333.34

	
51457.69

	
N

	
4

	  	
2

	
419

	
29166.67

	  	
16542.00

	  	
29166.67

	
45708.67

	
Y

	
5

	  	
3

	
420

	
0.00

	
15733.94

	
0.00

	
197.78

	
15733.94

	
15931.72

	
Y

	
5

	  	
3

	
421

	
0.00

	
0.00

	
16572.66

	
1050.40

	
0.00

	
17623.06

	
Y

	
5

	  	
3

	
422

	
17784.50

	  	
0.00

	  	
17784.50

	
17784.50

	
Y

	
5

	  	
3

	
423

	
20522.65

	  	
0.00

	  	
20522.65

	
20522.65

	
Y

	
5

	  	
3

	
424

	
21250.00

	
14583.34

	
0.00

	
0.00

	
35833.34

	
35833.34

	
Y

	
5

	  	
3

	
425

	
0.00

	  	
14968.90

	  	
0.00

	
14968.90

	
Y

	
5

	  	
3

	
426

	
18751.20

	  	
0.00

	  	
18751.20

	
18751.20

	
N

	
5

	  	
3

	
427

	
13333.33

	
33669.08

	
-89.00

	
0.00

	
47002.41

	
46913.41

	
N

	
4

	  	
2

	
428

	
18750.00

	  	
0.00

	  	
18750.00

	
18750.00

	
N

	
5

	  	
3

	
429

	
20000.07

	  	
0.00

	  	
20000.07

	
20000.07

	
N

	
5

	  	
3

	
430

	
14892.12

	
2164.34

	
4616.79

	
-279.63

	
17056.46

	
21393.62

	
N

	
4

	  	
3

	
431

	
4956.12

	
14875.00

	
2055.56

	
0.00

	
19831.12

	
21886.68

	
N

	
5

	  	
3

	
432

	
17230.43

	
10234.03

	
0.00

	
0.00

	
27464.46

	
27464.46

	
N

	
5

	  	
3

	
433

	
22229.35

	
9746.44

	
0.00

	
0.00

	
31975.79

	
31975.79

	
N

	
5

	  	
3

	
434

	
4500.00

	
6000.00

	
1503.00

	
994.16

	
10500.00

	
12997.16

	
Y

	
4

	  	
3

	
435

	
7698.14

	
12500.00

	
-478.50

	
0.00

	
20198.14

	
19719.64

	
N

	
5

	  	
3

	
436

	  	
13500.00

	  	
0.00

	
13500.00

	
13500.00

	
N

	
5

	  	
3

	
437

	
19166.67

	
16119.56

	
0.00

	
0.00

	
35286.23

	
35286.23

	
N

	
5

	  	
3

	
438

	
20833.33

	  	
8250.92

	  	
20833.33

	
29084.25

	
Y

	
5

	  	
3

	
439

	
20900.00

	  	
38790.58

	  	
20900.00

	
59690.58

	
Y

	
5

	  	
3

	
440

	
20416.68

	  	
0.00

	  	
20416.68

	
20416.68

	
N

	
5

	  	
3

	
441

	
28763.00

	
4645.67

	
0.00

	
0.00

	
33408.67

	
33408.67

	
Y

	
4

	  	
3

	
442

	
21363.88

	  	
0.00

	  	
21363.88

	
21363.88

	
N

	
5

	  	
3

	
443

	
11122.77

	
12313.71

	
3057.30

	
0.00

	
23436.48

	
26493.78

	
N

	
5

	  	
3

	
444

	
9066.21

	
16140.78

	
0.00

	
0.00

	
25206.99

	
25206.99

	
N

	
5

	  	
3

	
445

	
16666.67

	  	
0.00

	  	
16666.67

	
16666.67

	
N

	
4

	  	
3

	
446

	
23010.00

	  	
30408.00

	  	
23010.00

	
53418.00

	
Y

	
4

	  	
2

	
447

	
14916.66

	
9409.26

	
0.00

	
0.00

	
24325.92

	
24325.92

	
N

	
5

	  	
3

	
448

	
15833.33

	
0.00

	
0.00

	
10324.00

	
15833.33

	
26157.33

	
N

	
5

	  	
3

	
449

	
0.00

	  	
25455.00

	  	
0.00

	
25455.00

	
Y

	
4

	  	
3

	
450

	
10701.08

	
10106.26

	
0.00

	
0.00

	
20807.34

	
20807.34

	
N

	
5

	  	
3

	
451

	
17500.02

	  	
0.00

	  	
17500.02

	
17500.02

	
N

	
5

	  	
3

	
452

	
8750.00

	
12750.00

	
0.00

	
0.00

	
21500.00

	
21500.00

	
N

	
5

	  	
3

	
453

	
24064.81

	
14238.21

	
0.00

	
0.00

	
38303.02

	
38303.02

	
N

	
5

	  	
3

	
454

	
19583.33

	  	
0.00

	  	
19583.33

	
19583.33

	
N

	
5

	  	
3

	
455

	
42978.08

	  	
1133.75

	  	
42978.08

	
44111.83

	
Y

	
4

	  	
3

	
456

	
22947.58

	  	
12879.00

	  	
22947.58

	
35826.58

	
N

	
5

	  	
3

	
457

	
10356.67

	
11291.67

	
0.00

	
0.00

	
21648.34

	
21648.34

	
N

	
5

	  	
3

	
458

	
41905.68

	  	
0.00

	  	
41905.68

	
41905.68

	
N

	
5

	  	
3

	
459

	
33333.00

	  	
99709.00

	  	
33333.00

	
133042.00

	
N

	
5

	  	
2

	
460

	
20832.00

	  	
102320.29

	  	
20832.00

	
123152.29

	
N

	
5

	  	
2

	
461

	
59743.68

	
15833.34

	
0.00

	
0.00

	
75577.02

	
75577.02

	
N

	
5

	  	
3

	
462

	
35585.50

	  	
0.00

	  	
35585.50

	
35585.50

	
N

	
5

	  	
3

	
463

	
12774.00

	  	
3029.00

	  	
12774.00

	
15803.00

	
N

	
5

	  	
3

	
464

	
83380.00

	  	
-9686.00

	  	
83380.00

	
73694.00

	
N

	
4

	  	
3

	
465

	
0.00

	  	
71360.00

	  	
0.00

	
71360.00

	
N

	
5

	  	
3

	
466

	
16667.00

	  	
21285.00

	  	
16667.00

	
37952.00

	
N

	
5

	  	
3

	
467

	
8333.33

	
21517.00

	
12581.00

	
0.00

	
29850.33

	
42431.33

	
N

	
4

	  	
3

	
468

	
11485.00

	  	
34232.00

	  	
11485.00

	
45717.00

	
N

	
4

	  	
3

	
469

	
11833.00

	
19975.84

	
6671.00

	
0.00

	
31808.84

	
38479.84

	
Y

	
5

	  	
3

	
470

	
54882.00

	  	
0.00

	  	
54882.00

	
54882.00

	
N

	
4

	  	
3

	
471

	
17641.67

	  	
12714.00

	  	
17641.67

	
30355.67

	
N

	
5

	  	
3

	
472

	
17579.00

	
5018.00

	
0.00

	
0.00

	
22597.00

	
22597.00

	
N

	
5

	  	
3

	
473

	
20833.33

	  	
27068.00

	  	
20833.33

	
47901.33

	
N

	
5

	  	
3

 

	
KEY

	
Co-Borrower

Employment

Verification

	
Borrower Asset

Verification

	
Co-Borrower Asset

Verification

	
Liquid / Cash

Reserves

	
Monthly Debt All

Borrowers

	
Originator 

DTI

	
Fully 

Indexed Rate

	
Qualification

Method

	
Percentage of Down

Payment from

Borrower Own

Funds

	
1

	  	
4

	  	
1704908.99

	
15737.52

	
0.050000

	  	
1

	  
	
2

	  	
4

	  	
1383182.00

	
4970.91

	
0.310000

	  	
1

	  
	
3

	  	
4

	  	
215755.45

	
4683.08

	
0.200000

	  	
1

	  
	
4

	  	
4

	  	
51191.89

	
4190.06

	
0.350000

	  	
1

	  
	
5

	  	
4

	  	
7456519.70

	
9138.74

	
0.260000

	  	
1

	  
	
6

	  	
4

	  	
280652.41

	
5156.70

	
0.120000

	  	
1

	  
	
7

	  	
4

	  	
613663.00

	
7468.93

	
0.380000

	  	
1

	  
	
8

	  	
4

	  	
199460.00

	
5632.74

	
0.360000

	  	
1

	  
	
9

	  	
4

	  	
235183.49

	
5851.21

	
0.360000

	  	
1

	
100.000000

	
10

	  	
4

	  	
121256.63

	
1838.22

	
0.370000

	  	
1

	  
	
11

	  	
4

	  	
61082.30

	
4679.73

	
0.290000

	  	
1

	  
	
12

	  	
4

	  	
671025.53

	
9041.67

	
0.310000

	  	
1

	  
	
13

	  	
4

	  	
513386.21

	
4569.18

	
0.190000

	  	
1

	  
	
14

	  	
4

	  	
165203.74

	
1725.57

	
0.290000

	  	
1

	  
	
15

	  	
4

	  	
223476.84

	
5767.08

	
0.330000

	  	
1

	  
	
16

	  	
4

	  	
58751.65

	
4163.25

	
0.350000

	  	
1

	  
	
17

	  	
4

	  	
44863.00

	
1694.60

	
0.240000

	  	
1

	  
	
18

	  	
4

	  	
718645.50

	
6073.21

	
0.330000

	  	
1

	  
	
19

	  	
4

	  	
22006.86

	
5383.08

	
0.380000

	  	
1

	  
	
20

	  	
4

	  	
280732.65

	
4266.02

	
0.430000

	  	
1

	  
	
21

	  	
4

	  	
520046.99

	
3807.53

	
0.370000

	  	
1

	  
	
22

	  	
4

	  	
120509.43

	
4650.00

	
0.310000

	  	
1

	  
	
23

	  	
4

	  	
330296.50

	
5513.45

	
0.380000

	  	
1

	  
	
24

	  	
4

	  	
243581.97

	
5337.92

	
0.210000

	  	
1

	  
	
25

	  	
4

	  	
2488.71

	
3974.60

	
0.260000

	  	
1

	
17.000000

	
26

	  	
4

	  	
1944005.29

	
9350.49

	
0.340000

	  	
1

	  
	
27

	  	
4

	  	
462438.00

	
2943.57

	
0.160000

	  	
1

	  
	
28

	  	
4

	  	
1854259.20

	
6006.67

	
0.340000

	  	
1

	  
	
29

	  	
4

	  	
388136.59

	
7556.65

	
0.150000

	  	
1

	  
	
30

	  	
4

	  	
2119187.40

	
6516.65

	
0.110000

	  	
1

	  
	
31

	  	
4

	  	
58632.84

	
3652.89

	
0.340000

	  	
1

	  
	
32

	  	
4

	  	
1296755.86

	
2605.86

	
0.050000

	  	
1

	  
	
33

	  	
4

	  	
1125717.79

	
3078.29

	
0.060000

	  	
1

	  
	
34

	  	
4

	  	
213515.93

	
3873.68

	
0.340000

	  	
1

	  
	
35

	  	
4

	  	
616940.00

	
6263.70

	
0.150000

	  	
1

	  
	
36

	  	
4

	  	
406800.69

	
2432.19

	
0.150000

	  	
1

	  
	
37

	  	
4

	  	
105622.01

	
4525.45

	
0.390000

	  	
1

	  
	
38

	  	
4

	  	
64373.50

	
2482.98

	
0.330000

	  	
1

	  
	
39

	  	
4

	  	
4154.67

	
529.61

	
0.180000

	  	
1

	
30.000000

	
40

	  	
4

	  	
10531071.37

	
6348.46

	
0.210000

	  	
1

	
100.000000

	
41

	  	
4

	  	
1032295.21

	
2259.00

	
0.250000

	  	
1

	  
	
42

	  	
4

	  	
1871603.71

	
19791.54

	
0.190000

	  	
1

	  
	
43

	  	
4

	  	
260474.07

	
2403.39

	
0.330000

	  	
1

	
100.000000

	
44

	  	
4

	  	
2775302.54

	
10785.63

	
0.300000

	  	
1

	
25.540000

	
45

	  	
4

	  	
4014.34

	
1049.18

	
0.260000

	  	
1

	  
	
46

	  	
4

	  	
421931.79

	
6750.00

	
0.300000

	  	
1

	  
	
47

	  	
4

	  	
1232323.00

	
9523.86

	
0.190000

	  	
1

	  
	
48

	  	
4

	  	
493437.66

	
6912.84

	
0.220000

	  	
1

	
25.000000

	
49

	  	
4

	  	
15432.31

	
831.64

	
0.220000

	  	
1

	  
	
50

	  	
4

	  	
6336940.05

	
7417.44

	
0.270000

	  	
1

	  
	
51

	  	
4

	  	
380492.25

	
8119.17

	
0.400000

	  	
1

	  
	
52

	  	
4

	  	
890418.00

	
7771.30

	
0.340000

	  	
1

	  
	
53

	  	
4

	  	
334447.14

	
3141.25

	
0.420000

	  	
1

	  
	
54

	  	
4

	  	
9095423.97

	
20638.40

	
0.100000

	  	
1

	  
	
55

	  	
4

	  	
679592.00

	
6952.67

	
0.170000

	  	
1

	  
	
56

	  	
4

	  	
521808.41

	
24200.67

	
0.390000

	  	
1

	  
	
57

	  	
4

	  	
4454011.00

	
17538.56

	
0.110000

	  	
1

	  
	
58

	  	
4

	  	
259692.33

	
7807.17

	
0.380000

	  	
1

	  
	
59

	  	
4

	  	
283631.00

	
1220.57

	
0.410000

	  	
1

	  
	
60

	  	
4

	  	
2356236.42

	
6666.67

	
0.040000

	  	
1

	
100.000000

	
61

	  	
4

	  	
1090781.20

	
5106.01

	
0.210000

	  	
1

	
100.000000

	
62

	  	
4

	  	
914395.35

	
4120.77

	
0.090000

	  	
1

	  
	
63

	  	
4

	  	
603195.54

	
3124.95

	
0.150000

	  	
1

	  
	
64

	  	
4

	  	
881438.04

	
8382.85

	
0.350000

	  	
1

	  
	
65

	  	
4

	  	
1042731.10

	
9712.65

	
0.350000

	  	
1

	  
	
66

	  	
4

	  	
14804830.00

	
9197.00

	
0.250000

	  	
1

	  
	
67

	  	
4

	  	
4882376.39

	
7610.63

	
0.350000

	  	
1

	
100.000000

	
68

	  	
4

	  	
985184.64

	
5540.84

	
0.370000

	  	
1

	  
	
69

	  	
4

	  	
1729157.50

	
10697.48

	
0.310000

	  	
1

	  
	
70

	  	
4

	  	
964561.09

	
16673.69

	
0.260000

	  	
1

	  
	
71

	  	
4

	  	
405105.02

	
7535.02

	
0.190000

	  	
1

	
21.570000

	
72

	  	
4

	  	
2102437.22

	
3598.24

	
0.080000

	  	
1

	  
	
73

	  	
4

	  	
852721.20

	
11666.85

	
0.330000

	  	
1

	  
	
74

	  	
4

	  	
3162607.04

	
13693.90

	
0.100000

	  	
1

	
100.000000

	
75

	  	
4

	  	
82833.75

	
11625.00

	
0.310000

	  	
1

	  
	
76

	  	
4

	  	
659376.51

	
8126.25

	
0.330000

	  	
1

	  
	
77

	  	
4

	  	
164090.08

	
5489.64

	
0.270000

	  	
1

	  
	
78

	  	
4

	  	
163814.00

	
5083.00

	
0.250000

	  	
1

	  
	
79

	  	
4

	  	
116644.17

	
1875.00

	
0.300000

	  	
1

	  
	
80

	  	
4

	  	
4233053.17

	
13006.84

	
0.450000

	  	
1

	  
	
81

	  	
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697254.71

	
15979.97

	
0.300000

	  	
1

	
25.000000

	
82

	  	
4

	  	
692869.22

	
6754.92

	
0.130000

	  	
1

	
100.000000

	
83

	  	
4

	  	
1239320.50

	
6852.04

	
0.170000

	  	
1

	  
	
84

	  	
4

	  	
574182.87

	
4378.50

	
0.300000

	  	
1

	  
	
85

	  	
4

	  	
414040.04

	
6545.35

	
0.300000

	  	
1

	  
	
86

	  	
4

	  	
3272551.96

	
17577.85

	
0.370000

	  	
1

	  
	
87

	  	
4

	  	
1096298.34

	
13848.32

	
0.310000

	  	
1

	  
	
88

	  	
4

	  	
398719.00

	
7282.48

	
0.430000

	  	
1

	  
	
89

	  	
4

	  	
1031271.60

	
2957.59

	
0.090000

	  	
1

	  
	
90

	  	
4

	  	
193905.97

	
8965.12

	
0.340000

	  	
1

	
100.000000

	
91

	  	
4

	  	
260110.37

	
12451.36

	
0.280000

	  	
1

	
100.000000

	
92

	  	
4

	  	
260199.41

	
4685.16

	
0.270000

	  	
1

	
100.000000

	
93

	  	
4

	  	
346536.68

	
13944.78

	
0.360000

	  	
1

	
100.000000

	
94

	  	
4

	  	
293361.98

	
7044.80

	
0.350000

	  	
1

	  
	
95

	  	
4

	  	
5188588.80

	
10479.84

	
0.240000

	  	
1

	  
	
96

	  	
4

	  	
435272.72

	
540.84

	
0.050000

	  	
1

	
100.000000

	
97

	  	
4

	  	
1020052.20

	
6185.37

	
0.120000

	  	
1

	  
	
98

	  	
4

	  	
2172092.70

	
15908.40

	
0.180000

	  	
1

	
100.000000

	
99

	  	
4

	  	
5473953.00

	
14492.96

	
0.240000

	  	
1

	  
	
100

	  	
4

	  	
877358.55

	
11345.02

	
0.350000

	  	
1

	  
	
101

	  	
4

	  	
423541.19

	
5987.36

	
0.140000

	  	
1

	  
	
102

	  	
4

	  	
4016571.61

	
11784.69

	
0.320000

	  	
1

	  
	
103

	  	
4

	  	
86407.00

	
2800.78

	
0.420000

	  	
1

	  
	
104

	  	
4

	  	
207528.30

	
11755.78

	
0.380000

	  	
1

	  
	
105

	  	
4

	  	
71838.71

	
7144.73

	
0.320000

	  	
1

	  
	
106

	  	
4

	  	
413491.20

	
9383.36

	
0.250000

	  	
1

	
100.000000

	
107

	  	
4

	  	
30860.13

	
8286.52

	
0.440000

	  	
1

	  
	
108

	  	
4

	  	
906953.35

	
21900.00

	
0.360000

	  	
1

	
100.000000

	
109

	  	
4

	  	
1354064.00

	
7880.99

	
0.440000

	  	
1

	  
	
110

	  	
4

	  	
2864091.10

	
7776.72

	
0.360000

	  	
1

	
100.000000

	
111

	  	
4

	  	
15502275.00

	
8333.20

	
0.200000

	  	
1

	  
	
112

	  	
4

	  	
12363.00

	
1462.91

	
0.380000

	  	
1

	  
	
113

	  	
4

	  	
1649199.30

	
6165.69

	
0.360000

	  	
1

	  
	
114

	  	
4

	  	
449029.10

	
7125.00

	
0.380000

	  	
1

	
100.000000

	
115

	  	
4

	  	
249173.06

	
4549.17

	
0.200000

	  	
1

	  
	
116

	  	
4

	  	
1478247.60

	
11209.40

	
0.400000

	  	
1

	  
	
117

	  	
4

	  	
1370671.60

	
5775.93

	
0.370000

	  	
1

	  
	
118

	  	
4

	  	
19811261.00

	
15516.72

	
0.240000

	  	
1

	  
	
119

	  	
4

	  	
653214.93

	
5614.35

	
0.400000

	  	
1

	  
	
120

	  	
4

	  	
2338716.69

	
12444.20

	
0.400000

	  	
1

	  
	
121

	  	
4

	  	
500989.60

	
2482.09

	
0.230000

	  	
1

	  
	
122

	  	
4

	  	
1208567.10

	
14010.06

	
0.230000

	  	
1

	  
	
123

	  	
4

	  	
367781.88

	
7821.92

	
0.230000

	  	
1

	
100.000000

	
124

	  	
4

	  	
7014578.00

	
17164.03

	
0.300000

	  	
1

	  
	
125

	  	
4

	  	
1803712.23

	
2680.95

	
0.260000

	  	
1

	  
	
126

	  	
4

	  	
363081.68

	
10518.84

	
0.360000

	  	
1

	
100.000000

	
127

	  	
4

	  	
115391.00

	
1649.09

	
0.180000

	  	
1

	  
	
128

	  	
4

	  	
948341.69

	
19000.00

	
0.400000

	  	
1

	
100.000000

	
129

	  	
4

	  	
18010218.74

	
9450.00

	
0.210000

	  	
1

	  
	
130

	  	
4

	  	
4456903.55

	
7781.38

	
0.340000

	  	
1

	  
	
131

	  	
4

	  	
3003684.35

	
11349.10

	
0.290000

	  	
1

	
30.500000

	
132

	  	
4

	  	
94480.55

	
3666.30

	
0.320000

	  	
1

	
100.000000

	
133

	  	
4

	  	
1192554.15

	
10268.45

	
0.410000

	  	
1

	
100.000000

	
134

	  	
4

	  	
1262456.87

	
6562.79

	
0.190000

	  	
1

	  
	
135

	  	
4

	  	
1753604.00

	
17017.51

	
0.170000

	  	
1

	  
	
136

	  	
4

	  	
1437452.14

	
17017.57

	
0.170000

	  	
1

	  
	
137

	  	
4

	  	
577171.14

	
2628.96

	
0.090000

	  	
1

	  
	
138

	  	
4

	  	
2468108.94

	
9501.45

	
0.250000

	  	
1

	
100.000000

	
139

	  	
4

	  	
2842112.35

	
18934.71

	
0.250000

	  	
1

	  
	
140

	  	
4

	  	
1670297.82

	
44155.03

	
0.200000

	  	
1

	  
	
141

	  	
4

	  	
1503907.13

	
9291.70

	
0.100000

	  	
1

	
100.000000

	
142

	  	
4

	  	
2670458.50

	
12436.41

	
0.170000

	  	
1

	  
	
143

	  	
4

	  	
521169.52

	
8771.85

	
0.235904

	  	
1

	
0.000000

	
144

	  	
4

	  	
192716.32

	
8214.08

	
0.299058

	  	
1

	
100.000000

	
145

	  	
4

	  	
73702.67

	
9324.26

	
0.261807

	  	
1

	
100.000000

	
146

	  	
4

	  	
69045.40

	
3916.82

	
0.395483

	  	
1

	
100.000000

	
147

	  	
4

	  	
58366.48

	
7217.50

	
0.378871

	  	
1

	
0.000000

	
148

	  	
4

	  	
149947.04

	
5847.75

	
0.246991

	  	
1

	
100.000000

	
149

	  	
4

	  	
233426.01

	
8637.59

	
0.285427

	  	
1

	
100.000000

	
150

	  	
4

	  	
166517.20

	
6957.61

	
0.330748

	  	
1

	
0.000000

	
151

	  	
4

	  	
52785.57

	
4396.51

	
0.172162

	  	
1

	
0.000000

	
152

	  	
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153105.80

	
7612.74

	
0.245548

	  	
1

	
0.000000

	
153

	  	
4

	  	
40187.91

	
7693.96

	
0.230821

	  	
1

	
0.000000

	
154

	  	
4

	  	
331822.38

	
6666.00

	
0.199980

	  	
1

	
100.000000

	
155

	  	
4

	  	
315836.13

	
8917.80

	
0.286410

	  	
1

	
0.000000

	
156

	  	
4

	  	
1044175.26

	
8983.68

	
0.280731

	  	
1

	
0.000000

	
157

	  	
4

	  	
953142.53

	
14099.89

	
0.290187

	  	
1

	
100.000000

	
158

	  	
4

	  	
258242.43

	
10509.68

	
0.414861

	  	
1

	
100.000000

	
159

	  	
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269618.20

	
10445.79

	
0.334265

	  	
1

	
100.000000

	
160

	  	
4

	  	
248958.37

	
8174.08

	
0.445859

	  	
1

	
100.000000

	
161

	  	
4

	  	
248074.72

	
5738.12

	
0.382541

	  	
1

	
100.000000

	
162

	  	
4

	  	
132126.37

	
8326.19

	
0.226354

	  	
1

	
100.000000

	
163

	  	
4

	  	
204147.86

	
8074.05

	
0.200712

	  	
1

	
100.000000

	
164

	  	
4

	  	
20586.11

	
6246.10

	
0.401377

	  	
1

	
100.000000

	
165

	  	
4

	  	
83042.53

	
5202.33

	
0.304538

	  	
1

	
40.520000

	
166

	  	
4

	  	
868839.41

	
3178.90

	
0.251038

	  	
1

	
0.000000

	
167

	  	
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17295.24

	
2194.19

	
0.441199

	  	
1

	
0.000000

	
168

	  	
3

	  	
213864.80

	
6655.99

	
0.333078

	  	
1

	
0.000000

	
169

	  	
3

	  	
949589.13

	
2320.32

	
0.207312

	  	
1

	  
	
170

	  	
3

	  	
379450.74

	
3771.06

	
0.323234

	  	
1

	
0.000000

	
171

	  	
4

	  	
514455.40

	
5165.82

	
0.105069

	  	
1

	
0.000000

	
172

	  	
3

	  	
280601.84

	
2451.23

	
0.351251

	  	
1

	  
	
173

	  	
4

	  	
2331847.66

	
7878.70

	
0.284273

	  	
1

	  
	
174

	  	
3

	  	
140169.17

	
1393.27

	
0.367961

	  	
1

	
0.000000

	
175

	  	
3

	  	
2814009.78

	
4007.87

	
0.168359

	  	
1

	
0.000000

	
176

	  	
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4126.36

	
0.369812

	  	
1

	
100.000000

	
177

	  	
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24498.74

	
0.017359

	  	
1

	
100.000000

	
178

	  	
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16900.73

	
0.366009

	  	
1

	
0.000000

	
179

	  	
3

	  	
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0.145808

	  	
1

	
0.000000

	
180

	  	
3

	  	
1102565.37

	
8657.11

	
0.356597

	  	
1

	  
	
181

	  	
4

	  	
220427.09

	
8687.27

	
0.408056

	  	
1

	
100.000000

	
182

	  	
4

	  	
2362160.46

	
29173.46

	
0.337234

	  	
1

	
0.000000

	
183

	  	
4

	  	
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6790.76

	
0.232823

	  	
1

	
100.000000

	
184

	  	
3

	  	
311368.72

	
8533.61

	
0.221422

	  	
1

	
0.000000

	
185

	  	
4

	  	
253446.53

	
9098.64

	
0.468272

	  	
1

	
92.570000

	
186

	  	
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6560.99

	
0.282229

	  	
1

	
0.000000

	
187

	  	
4

	  	
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19906.93

	
0.208389

	  	
1

	
0.000000

	
188

	  	
3

	  	
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0.255140

	  	
1

	
0.000000

	
189

	  	
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18228.84

	
0.175373

	  	
1

	
0.000000

	
190

	  	
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5914.75

	
0.278871

	  	
1

	
0.000000

	
191

	  	
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5751.94

	
0.169926

	  	
1

	
100.000000

	
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0.202164

	  	
1

	
0.000000

	
193

	  	
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8627.63

	
0.227969

	  	
1

	
0.000000

	
194

	  	
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0.283466

	  	
1

	
100.000000

	
195

	  	
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7667.71

	
0.211963

	  	
1

	
0.000000

	
196

	  	
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0.411479

	  	
1

	
100.000000

	
197

	  	
4

	  	
3071123.17

	
8721.13

	
0.352685

	  	
1

	  
	
198

	  	
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328209.45

	
11848.45

	
0.369846

	  	
1

	
100.000000

	
199

	  	
4

	  	
6345066.66

	
5784.42

	
0.141195

	  	
1

	
0.000000

	
200

	  	
4

	  	
478070.35

	
3735.90

	
0.156700

	  	
1

	
0.000000

	
201

	  	
3

	  	
4846308.94

	
6187.18

	
0.247487

	  	
1

	
0.000000

	
202

	  	
3

	  	
980584.79

	
4802.03

	
0.250541

	  	
1

	
0.000000

	
203

	  	
3

	  	
20664.91

	
4007.91

	
0.413357

	  	
1

	
100.000000

	
204

	  	
4

	  	
59659.20

	
1628.28

	
0.120985

	  	
1

	
0.000000

	
205

	  	
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283503.04

	
6095.28

	
0.272451

	  	
1

	
0.000000

	
206

	  	
3

	  	
263421.97

	
6862.87

	
0.227564

	  	
1

	
0.000000

	
207

	  	
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1

	
0.000000

	
208

	  	
3

	  	
831460.55

	
9073.54

	
0.387712

	  	
1

	
0.000000

	
209

	  	
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1421270.12

	
13866.24

	
0.288694

	  	
1

	
0.000000

	
210

	  	
3

	  	
112045.83

	
7968.78

	
0.198071

	  	
1

	
0.000000

	
211

	  	
3

	  	
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6415.99

	
0.288414

	  	
1

	
0.000000

	
212

	  	
4

	  	
92037.48

	
4684.63

	
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1

	
0.000000

	
213

	  	
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13550.68

	
0.151970

	  	
1

	
0.000000

	
214

	  	
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7685.69

	
0.235519

	  	
1

	
0.000000

	
215

	  	
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10501.88

	
0.370655

	  	
1

	
100.000000

	
216

	  	
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0.290762

	  	
1

	
0.000000

	
217

	  	
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105323.66

	
8887.43

	
0.309645

	  	
1

	
100.000000

	
218

	  	
4

	  	
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6635.35

	
0.132707

	  	
1

	
100.000000

	
219

	  	
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5869.24

	
0.255640

	  	
1

	
100.000000

	
220

	  	
4

	  	
772204.15

	
8496.45

	
0.078065

	  	
1

	
100.000000

	
221

	  	
3

	  	
33984.97

	
5120.09

	
0.365721

	  	
1

	  
	
222

	  	
4

	  	
192791.66

	
5299.57

	
0.223140

	  	
1

	
100.000000

	
223

	  	
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942176.63

	
3985.30

	
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1

	
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7892.21

	
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1

	
0.000000

	
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7504.48

	
0.289257

	  	
1

	
100.000000

	
226

	  	
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4992.77

	
0.209376

	  	
1

	
100.000000

	
227

	  	
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3473.48

	
0.270605

	  	
1

	
0.000000

	
228

	  	
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127378.70

	
7462.88

	
0.227693

	  	
1

	
100.000000

	
229

	  	
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0.284167

	  	
1

	
100.000000

	
230

	  	
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142196.35

	
9231.44

	
0.338706

	  	
1

	
100.000000

	
231

	  	
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4839.05

	
0.254848

	  	
1

	
0.000000

	
232

	  	
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694297.66

	
6551.69

	
0.121328

	  	
1

	
0.000000

	
233

	  	
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243384.62

	
5515.18

	
0.271221

	  	
1

	
0.000000

	
234

	  	
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624946.22

	
6944.70

	
0.258033

	  	
1

	
100.000000

	
235

	  	
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295350.24

	
4041.64

	
0.195173

	  	
1

	
100.000000

	
236

	  	
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5788.62

	
0.318521

	  	
1

	
0.000000

	
237

	  	
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6160.40

	
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1

	
0.000000

	
238

	  	
4

	  	
47225.73

	
7135.08

	
0.311349

	  	
1

	
100.000000

	
239

	  	
4

	  	
331839.26

	
4825.24

	
0.356489

	  	
1

	
100.000000

	
240

	  	
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636972.82

	
12612.23

	
0.142453

	  	
1

	
100.000000

	
241

	  	
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114318.87

	
7879.69

	
0.167729

	  	
1

	
100.000000

	
242

	  	
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655844.79

	
11620.61

	
0.258705

	  	
1

	
100.000000

	
243

	  	
4

	  	
112900.06

	
6397.89

	
0.395470

	  	
1

	
49.400000

	
244

	  	
4

	  	
2787683.31

	
12782.75

	
0.076772

	  	
1

	
100.000000

	
245

	  	
4

	  	
264392.69

	
6308.35

	
0.272076

	  	
1

	
100.000000

	
246

	  	
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100.000000

	
424

	  	
4

	  	
337621.08

	
7422.71

	
0.207145

	  	
1

	
100.000000

	
425

	  	
4

	  	
888451.20

	
3852.87

	
0.257392

	  	
1

	
0.000000

	
426

	  	
4

	  	
193118.10

	
4971.91

	
0.265152

	  	
1

	
100.000000

	
427

	  	
4

	  	
800982.75

	
10151.51

	
0.216388

	  	
1

	
0.000000

	
428

	  	
4

	  	
48886.55

	
5424.41

	
0.289302

	  	
1

	
0.000000

	
429

	  	
3

	  	
162810.52

	
7575.72

	
0.378785

	  	
1

	
0.000000

	
430

	  	
4

	  	
116258.46

	
6177.85

	
0.288771

	  	
1

	
0.000000

	
431

	  	
3

	  	
92654.34

	
7994.40

	
0.365263

	  	
1

	
0.000000

	
432

	  	
4

	  	
166916.23

	
6423.72

	
0.233892

	  	
1

	
0.000000

	
433

	  	
4

	  	
294377.97

	
6851.65

	
0.214276

	  	
1

	
0.000000

	
434

	  	
4

	  	
204206.55

	
4412.19

	
0.339473

	  	
1

	
0.000000

	
435

	  	
4

	  	
118189.55

	
5282.38

	
0.267874

	  	
1

	
0.000000

	
436

	  	
4

	  	
237911.45

	
5318.60

	
0.393970

	  	
1

	
100.000000

	
437

	  	
4

	  	
753308.26

	
11155.75

	
0.316150

	  	
1

	
0.000000

	
438

	  	
4

	  	
4643018.75

	
8471.65

	
0.291280

	  	
1

	
0.000000

	
439

	  	
4

	  	
517304.99

	
17025.63

	
0.285231

	  	
1

	
100.000000

	
440

	  	
4

	  	
824194.84

	
4380.14

	
0.214537

	  	
1

	
100.000000

	
441

	  	
4

	  	
77861.77

	
11041.48

	
0.330497

	  	
1

	
0.000000

	
442

	  	
4

	  	
138424.91

	
4401.60

	
0.206030

	  	
1

	
100.000000

	
443

	  	
4

	  	
4660.53

	
6085.62

	
0.229700

	  	
1

	
0.000000

	
444

	  	
4

	  	
56263.64

	
5863.21

	
0.232603

	  	
1

	
100.000000

	
445

	  	
4

	  	
171317.79

	
4865.24

	
0.291914

	  	
1

	
100.000000

	
446

	  	
4

	  	
251907.73

	
9070.95

	
0.169811

	  	
1

	
0.000000

	
447

	  	
4

	  	
354186.57

	
8820.10

	
0.362580

	  	
1

	
0.000000

	
448

	  	
4

	  	
213491.09

	
7290.56

	
0.278720

	  	
1

	
100.000000

	
449

	  	
4

	  	
9549.92

	
7818.76

	
0.307160

	  	
1

	
0.000000

	
450

	  	
4

	  	
20344.41

	
7090.81

	
0.340784

	  	
1

	
0.000000

	
451

	  	
3

	  	
63927.44

	
5026.58

	
0.287233

	  	
1

	
0.000000

	
452

	  	
3

	  	
104907.97

	
6401.72

	
0.297754

	  	
1

	
0.000000

	
453

	  	
4

	  	
124201.72

	
3756.98

	
0.098086

	  	
1

	
0.000000

	
454

	  	
4

	  	
240728.72

	
3925.74

	
0.200463

	  	
1

	
0.000000

	
455

	  	
4

	  	
135048.31

	
8903.33

	
0.201835

	  	
1

	
0.000000

	
456

	  	
4

	  	
115649.99

	
9306.88

	
0.259776

	  	
1

	
100.000000

	
457

	  	
4

	  	
681109.66

	
3482.94

	
0.160887

	  	
1

	
0.000000

	
458

	  	
4

	  	
843546.40

	
11048.46

	
0.263651

	  	
1

	
0.000000

	
459

	  	
4

	  	
3298909.65

	
12300.17

	
0.092453

	  	
1

	
100.000000

	
460

	  	
4

	  	
3107273.77

	
25510.32

	
0.207145

	  	
1

	
0.000000

	
461

	  	
4

	  	
765033.75

	
12748.52

	
0.168682

	  	
1

	
0.000000

	
462

	  	
4

	  	
444300.80

	
8032.19

	
0.225715

	  	
1

	
100.000000

	
463

	  	
4

	  	
402929.07

	
5979.19

	
0.378358

	  	
1

	
100.000000

	
464

	  	
4

	  	
122186.47

	
12962.89

	
0.175902

	  	
1

	
100.000000

	
465

	  	
4

	  	
2281505.11

	
15691.17

	
0.219887

	  	
1

	
100.000000

	
466

	  	
4

	  	
2597647.14

	
14186.36

	
0.373797

	  	
1

	
100.000000

	
467

	  	
3

	  	
1482360.77

	
7295.45

	
0.171935

	  	
1

	
100.000000

	
468

	  	
3

	  	
12907308.50

	
19992.44

	
0.437309

	  	
1

	
100.000000

	
469

	  	
4

	  	
986723.14

	
8383.15

	
0.217858

	  	
1

	
100.000000

	
470

	  	
4

	  	
853290.61

	
11100.57

	
0.202262

	  	
1

	
100.000000

	
471

	  	
4

	  	
4643054.50

	
11477.11

	
0.378088

	  	
1

	
100.000000

	
472

	  	
4

	  	
53101.95

	
7713.19

	
0.341337

	  	
1

	
0.000000

	
473

	  	
4

	  	
508319.22

	
13818.89

	
0.288487

	  	
1

	
0.000000

 

 

 

	
KEY

	  	
City

	
State

	
Postal Code

	
Property 

Type

	
Occupancy

	
Sales Price

	
Original Appraised

Property 

Value

	
Original Property

Valuation Type

	
Original Property

Valuation Date

	
1

	  	
GREENWICH

	
CT

	
06830

	
1

	
3

	  	
2400000.00

	
3

	
20101126

	
2

	  	
WALNUT CREEK

	
CA

	
94595

	
1

	
1

	  	
940000.00

	
3

	
20101222

	
3

	  	
SAN FRANCISCO

	
CA

	
94117

	
1

	
1

	  	
1700000.00

	
3

	
20081217

	
4

	  	
LOS ANGELES

	
CA

	
90045

	
1

	
1

	  	
775000.00

	
3

	
20081212

	
5

	  	
SAN FRANCISCO

	
CA

	
94115

	
1

	
1

	  	
7000000.00

	
3

	
20081217

	
6

	  	
SIERRA MADRE

	
CA

	
91024

	
1

	
1

	  	
1050000.00

	
3

	
20080303

	
7

	  	
HILLSBOROUGH

	
CA

	
94010

	
1

	
1

	  	
2750000.00

	
3

	
20081223

	
8

	  	
SANTA ROSA

	
CA

	
95404

	
6

	
1

	  	
1030000.00

	
3

	
20081215

	
9

	  	
PALO ALTO

	
CA

	
94306

	
1

	
1

	
1151000.00

	
1151000.00

	
3

	
20081219

	
10

	  	
PALO ALTO

	
CA

	
94306

	
4

	
1

	  	
277300.00

	
3

	
20090119

	
11

	  	
SOLANA BEACH

	
CA

	
92075

	
6

	
1

	  	
860000.00

	
3

	
20081216

	
12

	  	
VILLA PARK

	
CA

	
92861

	
1

	
1

	  	
1300000.00

	
3

	
20081219

	
13

	  	
MENLO PARK

	
CA

	
94025

	
6

	
1

	  	
1165000.00

	
3

	
20081218

	
14

	  	
SAN FRANCISCO

	
CA

	
94117

	
1

	
1

	  	
1525000.00

	
3

	
20081219

	
15

	  	
LAFAYETTE

	
CA

	
94549

	
1

	
1

	  	
1300000.00

	
3

	
20081223

	
16

	  	
ENCINITAS

	
CA

	
92024

	
1

	
1

	  	
845000.00

	
3

	
20081229

	
17

	  	
SAN FRANCISCO

	
CA

	
94112

	
15

	
1

	  	
750000.00

	
3

	
20081222

	
18

	  	
LOS ALTOS

	
CA

	
94022

	
1

	
1

	  	
1800000.00

	
3

	
20081219

	
19

	  	
SAN FRANCISCO

	
CA

	
94103

	
13

	
1

	  	
850000.00

	
3

	
20080902

	
20

	  	
SAN DIEGO

	
CA

	
92110

	
1

	
1

	  	
530000.00

	
3

	
20081224

	
21

	  	
SOLANA BEACH

	
CA

	
92075

	
6

	
1

	  	
1100000.00

	
3

	
20090102

	
22

	  	
SAN FRANCISCO

	
CA

	
94103

	
4

	
1

	  	
970000.00

	
3

	
20081220

	
23

	  	
MILL VALLEY

	
CA

	
94941

	
1

	
1

	  	
1000000.00

	
3

	
20081223

	
24

	  	
BERKELEY

	
CA

	
94707

	
1

	
1

	  	
1000000.00

	
3

	
20081219

	
25

	  	
MILL VALLEY

	
CA

	
94941

	
1

	
1

	
755000.00

	
755000.00

	
3

	
20081223

	
26

	  	
BURLINGAME

	
CA

	
94010

	
1

	
1

	  	
2350000.00

	
3

	
20081202

	
27

	  	
SANTA ROSA

	
CA

	
95401

	
1

	
1

	  	
775000.00

	
3

	
20090327

	
28

	  	
LOS ALTOS

	
CA

	
94024

	
1

	
1

	  	
2350000.00

	
3

	
20081219

	
29

	  	
SIMI VALLEY

	
CA

	
93063

	
1

	
3

	  	
438000.00

	
3

	
20081223

	
30

	  	
MORAGA

	
CA

	
94556

	
1

	
1

	  	
1225000.00

	
3

	
20090101

	
31

	  	
SAN FRANCISCO

	
CA

	
94127

	
6

	
1

	  	
1100000.00

	
3

	
20090109

	
32

	  	
REDWOOD CITY

	
CA

	
94065

	
4

	
1

	  	
745000.00

	
3

	
20090304

	
33

	  	
WASHINGTON

	
DC

	
20015

	
1

	
1

	  	
1175000.00

	
3

	
20090206

	
34

	  	
MILPITAS

	
CA

	
95035

	
6

	
1

	  	
565000.00

	
3

	
20090319

	
35

	  	
LOS ANGELES

	
CA

	
90272

	
1

	
1

	  	
2750000.00

	
3

	
20090422

	
36

	  	
SAN JOSE

	
CA

	
95125

	
1

	
1

	  	
650000.00

	
3

	
20090407

	
37

	  	
SAN FRANCISCO

	
CA

	
94131

	
1

	
1

	  	
1200000.00

	
3

	
20090526

	
38

	  	
PALO ALTO

	
CA

	
94303

	
3

	
1

	  	
407700.00

	
3

	
20090528

	
39

	  	
PALO ALTO

	
CA

	
94306

	
4

	
1

	
101098.00

	
101098.00

	
3

	
20090528

	
40

	  	
INVERNESS

	
CA

	
94937

	
6

	
2

	
875000.00

	
875000.00

	
3

	
20090515

	
41

	  	
CUPERTINO

	
CA

	
95014

	
6

	
1

	  	
970000.00

	
3

	
20091119

	
42

	  	
MALIBU

	
CA

	
90265

	
3

	
2

	  	
1250000.00

	
3

	
20090612

	
43

	  	
MARTINEZ

	
CA

	
94553

	
6

	
1

	
450000.00

	
450000.00

	
3

	
20090711

	
44

	  	
TORRANCE

	
CA

	
90503

	
4

	
3

	
560000.00

	
560000.00

	
3

	
20090819

	
45

	  	
SAN DIEGO

	
CA

	
92105

	
1

	
1

	  	
315000.00

	
3

	
20091013

	
46

	  	
ALAMO

	
CA

	
94507

	
1

	
1

	  	
1300000.00

	
3

	
20091210

	
47

	  	
LOS ANGELES

	
CA

	
91356

	
6

	
1

	  	
1825000.00

	
3

	
20091208

	
48

	  	
OAKLAND

	
CA

	
94607

	
13

	
3

	
225000.00

	
225000.00

	
3

	
20100520

	
49

	  	
SAN MATEO

	
CA

	
94401

	
1

	
1

	  	
510000.00

	
3

	
20100219

	
50

	  	
LOS ANGELES

	
CA

	
90020

	
1

	
1

	  	
2400000.00

	
3

	
20100315

	
51

	  	
SONOMA

	
CA

	
95476

	
1

	
1

	  	
1500000.00

	
3

	
20100928

	
52

	  	
BEND

	
OR

	
97701

	
1

	
1

	  	
2700000.00

	
3

	
20100713

	
53

	  	
CORTE MADERA

	
CA

	
94925

	
1

	
1

	  	
905000.00

	
3

	
20100907

	
54

	  	
SAN FRANCISCO

	
CA

	
94115

	
1

	
1

	  	
18000000.00

	
3

	
20100727

	
55

	  	
SAN FRANCISCO

	
CA

	
94121

	
1

	
1

	  	
1600000.00

	
3

	
20100722

	
56

	  	
ORINDA

	
CA

	
94563

	
1

	
1

	  	
3000000.00

	
3

	
20100730

	
57

	  	
SAN FRANCISCO

	
CA

	
94114

	
1

	
1

	  	
2050000.00

	
3

	
20100812

	
58

	  	
PLEASANTON

	
CA

	
94588

	
6

	
1

	  	
1415000.00

	
3

	
20100902

	
59

	  	
SAN FRANCISCO

	
CA

	
94118

	
13

	
3

	  	
1350000.00

	
3

	
20100806

	
60

	  	
SAN DIEGO

	
CA

	
92127

	
6

	
1

	
1240000.00

	
1240000.00

	
3

	
20100803

	
61

	  	
LOS ANGELES

	
CA

	
90004

	
1

	
1

	
2500000.00

	
2500000.00

	
3

	
20100810

	
62

	  	
KENSINGTON

	
CA

	
94708

	
1

	
1

	  	
1070000.00

	
3

	
20100817

	
63

	  	
LOS ANGELES

	
CA

	
90094

	
4

	
1

	  	
635000.00

	
3

	
20100831

	
64

	  	
LITCHFIELD

	
CT

	
06759

	
1

	
1

	  	
1650000.00

	
3

	
20100823

	
65

	  	
STANFORD

	
CA

	
94305

	
1

	
1

	  	
2200000.00

	
3

	
20100901

	
66

	  	
SAN FRANCISCO

	
CA

	
94133

	
1

	
1

	  	
4900000.00

	
3

	
20100927

	
67

	  	
OAK PARK AREA

	
CA

	
91377

	
6

	
1

	
1550000.00

	
1340000.00

	
3

	
20100830

	
68

	  	
CARPINTERIA AREA

	
CA

	
93013

	
3

	
1

	  	
1250000.00

	
3

	
20100910

	
69

	  	
SAN FRANCISCO

	
CA

	
94118

	
13

	
1

	  	
3600000.00

	
3

	
20100924

	
70

	  	
DANVILLE

	
CA

	
94526

	
1

	
1

	  	
2450000.00

	
3

	
20100816

	
71

	  	
GREENBRAE

	
CA

	
94904

	
1

	
1

	
1275000.00

	
1275000.00

	
3

	
20100901

	
72

	  	
MENLO PARK

	
CA

	
94025

	
1

	
1

	  	
1450000.00

	
3

	
20100917

	
73

	  	
PALO ALTO

	
CA

	
94301

	
1

	
1

	  	
3000000.00

	
3

	
20100916

	
74

	  	
BOSTON

	
MA

	
02116

	
12

	
1

	
3200000.00

	
3130000.00

	
3

	
20100909

	
75

	  	
STAMFORD

	
CT

	
06902

	
1

	
1

	  	
975000.00

	
3

	
20101018

	
76

	  	
LOS ANGELES

	
CA

	
91604

	
1

	
1

	  	
1750000.00

	
3

	
20100927

	
77

	  	
MENLO PARK

	
CA

	
94025

	
1

	
1

	  	
995000.00

	
3

	
20101006

	
78

	  	
SANTA CRUZ

	
CA

	
95062

	
4

	
3

	  	
240000.00

	
3

	
20100922

	
79

	  	
PALO ALTO

	
CA

	
94303

	
3

	
1

	  	
330000.00

	
3

	
20101013

	
80

	  	
LOS ALTOS

	
CA

	
94022

	
1

	
1

	  	
3250000.00

	
3

	
20100927

	
81

	  	
TIBURON

	
CA

	
94920

	
1

	
1

	
2400000.00

	
2400000.00

	
3

	
20100922

	
82

	  	
LOS GATOS

	
CA

	
95032

	
1

	
1

	
1825000.00

	
1700000.00

	
3

	
20100924

	
83

	  	
LOS ALTOS

	
CA

	
94024

	
1

	
1

	  	
1950000.00

	
3

	
20101015

	
84

	  	
LA JOLLA

	
CA

	
92037

	
1

	
1

	  	
1050000.00

	
3

	
20101022

	
85

	  	
LOS ANGELES

	
CA

	
91436

	
1

	
1

	  	
1175000.00

	
3

	
20101013

	
86

	  	
PORTOLA VALLEY

	
CA

	
94028

	
1

	
1

	  	
4600000.00

	
3

	
20101014

	
87

	  	
PALO ALTO

	
CA

	
94301

	
1

	
1

	  	
3000000.00

	
3

	
20101105

	
88

	  	
CUPERTINO

	
CA

	
95014

	
1

	
1

	  	
1450000.00

	
3

	
20101103

	
89

	  	
PLEASANTON

	
CA

	
94566

	
1

	
1

	  	
675000.00

	
3

	
20101104

	
90

	  	
LOS ALTOS

	
CA

	
94022

	
1

	
1

	
1549888.00

	
1550000.00

	
3

	
20101015

	
91

	  	
SAN FRANCISCO

	
CA

	
94114

	
1

	
1

	
2170000.00

	
2170000.00

	
3

	
20101018

	
92

	  	
SAN JOSE

	
CA

	
95116

	
13

	
3

	
562500.00

	
570000.00

	
3

	
20101015

	
93

	  	
ALAMO

	
CA

	
94507

	
1

	
1

	
1505000.00

	
1505000.00

	
3

	
20101103

	
94

	  	
WENHAM

	
MA

	
01984

	
1

	
1

	  	
860000.00

	
3

	
20101110

	
95

	  	
LAKE OSWEGO

	
OR

	
97035

	
6

	
1

	  	
430000.00

	
3

	
20101029

	
96

	  	
LOS ANGELES

	
CA

	
90036

	
1

	
1

	
1200000.00

	
1200000.00

	
3

	
20101025

	
97

	  	
SUNRIVER

	
OR

	
97707

	
4

	
3

	  	
310000.00

	
3

	
20101116

	
98

	  	
NEWTON

	
MA

	
02467

	
1

	
1

	
2300000.00

	
2300000.00

	
3

	
20101103

	
99

	  	
HILLSBOROUGH

	
CA

	
94010

	
1

	
1

	  	
3000000.00

	
3

	
20101114

	
100

	  	
WENHAM

	
MA

	
01984

	
1

	
1

	  	
1100000.00

	
3

	
20101109

	
101

	  	
PORTOLA VALLEY

	
CA

	
94028

	
1

	
1

	  	
1650000.00

	
3

	
20101210

	
102

	  	
ATHERTON

	
CA

	
94027

	
1

	
1

	  	
6000000.00

	
3

	
20101208

	
103

	  	
SAN FRANCISCO

	
CA

	
94118

	
1

	
1

	  	
1025000.00

	
3

	
20101118

	
104

	  	
MENLO PARK

	
CA

	
94025

	
1

	
1

	  	
2325000.00

	
3

	
20101112

	
105

	  	
KENSINGTON

	
CA

	
94708

	
1

	
1

	  	
1300000.00

	
3

	
20101117

	
106

	  	
OJAI

	
CA

	
93023

	
1

	
1

	
1815000.00

	
1815000.00

	
3

	
20101108

	
107

	  	
BOSTON

	
MA

	
02109

	
4

	
1

	  	
1000000.00

	
3

	
20101129

	
108

	  	
BOSTON

	
MA

	
02115

	
4

	
2

	
1100000.00

	
1100000.00

	
3

	
20101110

	
109

	  	
BURLINGAME

	
CA

	
94010

	
1

	
1

	  	
2200000.00

	
3

	
20101111

	
110

	  	
SAN CARLOS

	
CA

	
94070

	
1

	
1

	
1500000.00

	
1500000.00

	
3

	
20101106

	
111

	  	
MENLO PARK

	
CA

	
94025

	
1

	
1

	  	
2200000.00

	
3

	
20101222

	
112

	  	
FREMONT

	
CA

	
94538

	
1

	
1

	  	
390000.00

	
3

	
20101123

	
113

	  	
SANTA CRUZ

	
CA

	
95060

	
1

	
1

	  	
1400000.00

	
3

	
20101122

	
114

	  	
BOSTON

	
MA

	
02116

	
4

	
1

	
1365000.00

	
1375000.00

	
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20101123

	
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CA

	
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1

	  	
975000.00

	
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20101206

	
116

	  	
APTOS

	
CA

	
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2

	  	
1100000.00

	
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20101130

	
117

	  	
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6

	
1

	  	
1200000.00

	
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20101210

	
118

	  	
LAGUNA BEACH

	
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6

	
1

	  	
10100000.00

	
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20101130

	
119

	  	
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OR

	
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4

	
1

	  	
1050000.00

	
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20101208

	
120

	  	
LOS ALTOS HILLS

	
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1

	  	
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20101203

	
121

	  	
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CA

	
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1

	  	
920000.00

	
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20101130

	
122

	  	
LOS ANGELES

	
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1

	  	
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20101210

	
123

	  	
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1

	
1350000.00

	
1350000.00

	
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20101213

	
124

	  	
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1

	  	
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20101229

	
125

	  	
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20101218

	
126

	  	
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1

	
1446000.00

	
1500000.00

	
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20110127

	
127

	  	
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CA

	
94132

	
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1

	  	
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19000100

	
128

	  	
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CA

	
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1

	
3550000.00

	
3550000.00

	
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20101217

	
129

	  	
SAN FRANCISCO

	
CA

	
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1

	
1

	  	
3700000.00

	
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20101222

	
130

	  	
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CA

	
90272

	
1

	
1

	  	
7250000.00

	
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20110107

	
131

	  	
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4

	
1

	
1050000.00

	
1225000.00

	
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19000100

	
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1

	
549000.00

	
559000.00

	
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20110103

	
133

	  	
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1

	
1025000.00

	
1050000.00

	
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20101101

	
134

	  	
NEW YORK

	
NY

	
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2

	
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135

	  	
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2

	  	
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20081218

	
136

	  	
NEW YORK

	
NY

	
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137

	  	
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138

	  	
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1775000.00

	
1775000.00

	
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20100714

	
139

	  	
SAG HARBOR

	
NY

	
11963

	
1

	
1

	  	
4100000.00

	
3

	
20100927

	
140

	  	
NEW YORK

	
NY

	
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2

	
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20100922

	
141

	  	
NEW YORK

	
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2600000.00

	
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20100922

	
142

	  	
NEW YORK

	
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2

	
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20101103

	
143

	  	
Mercer Island

	
WA

	
98040

	
7

	
1

	  	
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20101229

	
144

	  	
Bainbridge Island

	
WA

	
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7

	
1

	
812500.00

	
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20110511

	
145

	  	
Spokane

	
WA

	
99206

	
1

	
1

	
850000.00

	
900000.00

	
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20110517

	
146

	  	
Portland

	
OR

	
97229

	
1

	
1

	
540000.00

	
545000.00

	
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20110513

	
147

	  	
Missoula

	
MT

	
59804

	
1

	
1

	  	
1015000.00

	
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20110620

	
148

	  	
DALLAS

	
TX

	
75229

	
1

	
1

	
880000.00

	
880000.00

	
3

	
20110311

	
149

	  	
HUNTINGTON BEACH

	
CA

	
92648

	
7

	
1

	
1435000.00

	
1435000.00

	
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20110404

	
150

	  	
CHICAGO

	
IL

	
60613

	
1

	
1

	  	
1150000.00

	
3

	
20110418

	
151

	  	
HEATH

	
TX

	
75032

	
7

	
1

	  	
715000.00

	
3

	
20100819

	
152

	  	
FUQUAY VARINA

	
NC

	
27526

	
1

	
1

	  	
1100000.00

	
3

	
20101210

	
153

	  	
ALLEN

	
TX

	
75013

	
7

	
1

	  	
895000.00

	
3

	
20101209

	
154

	  	
BATON ROUGE

	
LA

	
70808

	
1

	
1

	
1090000.00

	
1130000.00

	
3

	
20110427

	
155

	  	
ARCADIA

	
CA

	
91006

	
1

	
1

	  	
1720000.00

	
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20110329

	
156

	  	
UNIVERSITY PARK

	
TX

	
75225

	
1

	
1

	  	
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3

	
20110421

	
157

	  	
NEWPORT COAST

	
CA

	
92657

	
3

	
1

	
2200000.00

	
2200000.00

	
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20110429

	
158

	  	
SAN ANTONIO

	
TX

	
78257

	
7

	
1

	
1173000.00

	
1250000.00

	
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20110426

	
159

	  	
GLENCOE

	
IL

	
60022

	
1

	
1

	
1260000.00

	
1300000.00

	
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20110428

	
160

	  	
TERRELL HILLS

	
TX

	
78209

	
1

	
1

	
1060000.00

	
1100000.00

	
3

	
20110426

	
161

	  	
DALLAS

	
TX

	
75287

	
7

	
1

	
620000.00

	
650000.00

	
3

	
20110511

	
162

	  	
DESTIN

	
FL

	
32541

	
7

	
2

	
735000.00

	
750000.00

	
3

	
20110507

	
163

	  	
PARADISE VALLEY

	
AZ

	
85253

	
7

	
1

	
1525000.00

	
1600000.00

	
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20110512

	
164

	  	
AUSTIN

	
TX

	
78731

	
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1

	
590000.00

	
610000.00

	
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20110607

	
165

	  	
WINCHESTER

	
MA

	
1890

	
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1

	
789000.00

	
790000.00

	
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20110620

	
166

	  	
ENCINITAS

	
CA

	
92024

	
1

	
1

	  	
1210000.00

	
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20081222

	
167

	  	
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MA

	
01880

	
1

	
1

	  	
420000.00

	
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20081222

	
168

	  	
PLEASANTON

	
CA

	
94566

	
1

	
1

	  	
1285000.00

	
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20081223

	
169

	  	
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OR

	
97225

	
1

	
1

	  	
540000.00

	
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20090105

	
170

	  	
SAN MATEO

	
CA

	
94403

	
1

	
1

	  	
915000.00

	
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20081223

	
171

	  	
PALO ALTO

	
CA

	
94303

	
1

	
1

	  	
1550000.00

	
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20090211

	
172

	  	
IRVINE

	
CA

	
92603

	
4

	
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650000.00

	
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20090217

	
173

	  	
PORTLAND

	
OR

	
97225

	
1

	
1

	  	
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20090328

	
174

	  	
PALO ALTO

	
CA

	
94303

	
3

	
1

	  	
130000.00

	
3

	
20090316

	
175

	  	
ORINDA

	
CA

	
94563

	
1

	
1

	  	
1440000.00

	
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20091210

	
176

	  	
MARTINEZ

	
CA

	
94553

	
6

	
1

	
449000.00

	
449000.00

	
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20090408

	
177

	  	
LOS ANGELES

	
CA

	
90036

	
15

	
3

	
1950000.00

	
1950000.00

	
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20090506

	
178

	  	
SEATTLE

	
WA

	
98112

	
4

	
2

	  	
1300000.00

	
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20090601

	
179

	  	
BEVERLY HILLS

	
CA

	
90210

	
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1

	  	
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20090619

	
180

	  	
LOS GATOS

	
CA

	
95030

	
1

	
1

	  	
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20100126

	
181

	  	
BURLINGAME

	
CA

	
94010

	
1

	
1

	
1728000.00

	
1730000.00

	
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20100805

	
182

	  	
LAKE OSWEGO

	
OR

	
97034

	
1

	
1

	  	
4500000.00

	
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20100720

	
183

	  	
MOUNTAIN VIEW

	
CA

	
94040

	
1

	
1

	
1375000.00

	
1375000.00

	
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20100805

	
184

	  	
TRUCKEE

	
CA

	
96161

	
6

	
2

	  	
740000.00

	
3

	
20100816

	
185

	  	
PIEDMONT

	
CA

	
94610

	
1

	
1

	
1670000.00

	
1670000.00

	
3

	
20100812

	
186

	  	
SAN FRANCISCO

	
CA

	
94116

	
1

	
1

	  	
1125000.00

	
3

	
20101012

	
187

	  	
HILLSBOROUGH

	
CA

	
94010

	
1

	
1

	  	
3600000.00

	
3

	
20100827

	
188

	  	
DISCOVERY BAY

	
CA

	
94505

	
6

	
1

	  	
930000.00

	
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20101123

	
189

	  	
LOS ANGELES

	
CA

	
90024

	
1

	
1

	  	
4050000.00

	
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20101004

	
190

	  	
MENLO PARK

	
CA

	
94025

	
1

	
1

	  	
2100000.00

	
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20101027

	
191

	  	
LAFAYETTE

	
CA

	
94549

	
1

	
1

	
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3000000.00

	
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20101027

	
192

	  	
MENLO PARK

	
CA

	
94025

	
1

	
1

	  	
1703000.00

	
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20101030

	
193

	  	
LOS ANGELES

	
CA

	
90024

	
1

	
1

	  	
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20101102

	
194

	  	
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MA

	
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1

	
1850000.00

	
1900000.00

	
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20101113

	
195

	  	
HILLSBOROUGH

	
CA

	
94010

	
1

	
1

	  	
2100000.00

	
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20101123

	
196

	  	
PALO ALTO

	
CA

	
94303

	
1

	
1

	
1630000.00

	
1630000.00

	
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20101202

	
197

	  	
HILLSBOROUGH

	
CA

	
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1

	  	
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20101116

	
198

	  	
ORINDA

	
CA

	
94563

	
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1

	
1400000.00

	
1450000.00

	
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20101120

	
199

	  	
SAN FRANCISCO

	
CA

	
94109

	
4

	
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1775000.00

	
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20101201

	
200

	  	
WEST HOLLYWOOD

	
CA

	
90069

	
4

	
2

	  	
570000.00

	
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20101201

	
201

	  	
HILLSBOROUGH

	
CA

	
94010

	
1

	
1

	  	
2750000.00

	
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20101209

	
202

	  	
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MA

	
01450

	
1

	
1

	  	
640000.00

	
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20101209

	
203

	  	
SAN FRANCISCO

	
CA

	
94109

	
2

	
1

	
400000.00

	
450000.00

	
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20101210

	
204

	  	
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CA

	
91604

	
1

	
1

	  	
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20101220

	
205

	  	
ARCADIA

	
CA

	
91007

	
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1

	  	
1230000.00

	
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20100608

	
206

	  	
SAN FRANCISCO

	
CA

	
94114

	
1

	
1

	  	
1895000.00

	
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20101213

	
207

	  	
REDWOOD CITY

	
CA

	
94061

	
1

	
2

	  	
1250000.00

	
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20100905

	
208

	  	
SEDONA

	
AZ

	
86351

	
7

	
1

	  	
1050000.00

	
3

	
20101022

	
209

	  	
GILFORD

	
NH

	
03249

	
7

	
2

	  	
1600000.00

	
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20101018

	
210

	  	
BURLINGAME

	
CA

	
94010

	
1

	
1

	  	
2100000.00

	
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20101019

	
211

	  	
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CO

	
80209

	
1

	
1

	  	
1100000.00

	
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20101117

	
212

	  	
CAPE CORAL

	
FL

	
33990

	
1

	
1

	  	
800000.00

	
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20101117

	
213

	  	
CINCINNATI

	
OH

	
45208

	
1

	
1

	  	
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20101123

	
214

	  	
ATLANTA

	
GA

	
30309

	
1

	
1

	  	
1250000.00

	
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20100907

	
215

	  	
RIVIERA BEACH

	
FL

	
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4

	
1

	
1040000.00

	
1050000.00

	
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20101207

	
216

	  	
VANCOUVER

	
WA

	
98683

	
1

	
1

	  	
1700000.00

	
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20101216

	
217

	  	
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AZ

	
85018

	
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1

	
770000.00

	
770000.00

	
3

	
20101221

	
218

	  	
CARMEL

	
IN

	
46032

	
7

	
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887000.00

	
896000.00

	
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20101216

	
219

	  	
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WA

	
98059

	
7

	
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1022000.00

	
1050000.00

	
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20101218

	
220

	  	
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CA

	
93311

	
7

	
1

	
1750000.00

	
1750000.00

	
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20110113

	
221

	  	
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IL

	
60091

	
1

	
1

	  	
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20101226

	
222

	  	
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GA

	
30324

	
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1

	
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925000.00

	
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20110106

	
223

	  	
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NY

	
13326

	
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1

	  	
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20101229

	
224

	  	
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MS

	
39157

	
7

	
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20101209

	
225

	  	
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PA

	
19333

	
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1150000.00

	
1150000.00

	
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20110119

	
226

	  	
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GA

	
30327

	
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911000.00

	
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20110127

	
227

	  	
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MN

	
55311

	
7

	
1

	  	
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20110215

	
228

	  	
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AZ

	
85364

	
7

	
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700000.00

	
820000.00

	
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20110217

	
229

	  	
NEWPORT COAST

	
CA

	
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7

	
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2050000.00

	
2050000.00

	
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20110311

	
230

	  	
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TX

	
75056

	
7

	
1

	
760000.00

	
760000.00

	
3

	
20110216

	
231

	  	
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CO

	
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7

	
1

	  	
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20110309

	
232

	  	
MEDFORD

	
OR

	
97504

	
7

	
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1100000.00

	
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20110327

	
233

	  	
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HI

	
96821

	
7

	
1

	  	
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20110321

	
234

	  	
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FL

	
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2

	
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850000.00

	
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20110324

	
235

	  	
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CT

	
06460

	
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1

	
630000.00

	
650000.00

	
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20110324

	
236

	  	
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CO

	
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7

	
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1540000.00

	
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20110328

	
237

	  	
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VA

	
23226

	
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1

	  	
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20110329

	
238

	  	
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CT

	
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1

	
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20110411

	
239

	  	
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FL

	
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650000.00

	
650000.00

	
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20110420

	
240

	  	
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WA

	
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1300000.00

	
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20110427

	
241

	  	
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WA

	
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3

	
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849950.00

	
850000.00

	
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20110428

	
242

	  	
CARMEL

	
CA

	
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1800000.00

	
1800000.00

	
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20110510

	
243

	  	
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MD

	
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1

	
732000.00

	
785000.00

	
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20110512

	
244

	  	
LEXINGTON

	
MA

	
02420

	
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1

	
2380000.00

	
2380000.00

	
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20110509

	
245

	  	
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MA

	
01720

	
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1

	
950000.00

	
950000.00

	
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20110513

	
246

	  	
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MI

	
48304

	
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1

	  	
880000.00

	
3

	
20110517

	
247

	  	
HIGHLANDS RANCH

	
CO

	
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6

	
1

	
585000.00

	
586000.00

	
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20110601

	
248

	  	
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AZ

	
85718

	
7

	
1

	
1237500.00

	
1250000.00

	
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20110502

	
249

	  	
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NJ

	
08550

	
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817500.00

	
817000.00

	
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20110523

	
250

	  	
SAN FRANCISCO

	
CA

	
94118

	
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1

	  	
2700000.00

	
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20100820

	
251

	  	
SAN FRANCISCO

	
CA

	
94118

	
1

	
1

	  	
1850000.00

	
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20100819

	
252

	  	
SAN FRANCISCO

	
CA

	
94121

	
1

	
1

	
1750000.00

	
1775000.00

	
3

	
20100917

	
253

	  	
SAN FRANCISCO

	
CA

	
94122

	
1

	
1

	  	
1800000.00

	
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20100930

	
254

	  	
SAN FRANCISCO

	
CA

	
94115

	
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1

	
1650000.00

	
1650000.00

	
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20101013

	
255

	  	
SAN FRANCISCO

	
CA

	
94115

	
3

	
1

	
1585000.00

	
1585000.00

	
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20101026

	
256

	  	
SAN FRANCISCO

	
CA

	
94114

	
1

	
2

	
1775000.00

	
1775000.00

	
3

	
20101027

	
257

	  	
LARKSPUR

	
CA

	
94939

	
1

	
1

	  	
1550000.00

	
3

	
20101104

	
258

	  	
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CA

	
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4

	
1

	
1800000.00

	
1800000.00

	
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20101217

	
259

	  	
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MA

	
01245

	
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1

	
1010000.00

	
1100000.00

	
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20110120

	
260

	  	
SAN FRANCISCO

	
CA

	
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3

	
1

	
1250000.00

	
1250000.00

	
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20101231

	
261

	  	
MANHATTAN BEACH

	
CA

	
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1

	  	
1500000.00

	
3

	
20110203

	
262

	  	
BEVERLY HILLS

	
CA

	
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1

	
1

	  	
4200000.00

	
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20110215

	
263

	  	
SAN FRANCISCO

	
CA

	
94118

	
1

	
1

	  	
2800000.00

	
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20110216

	
264

	  	
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CA

	
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1

	
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1210000.00

	
1210000.00

	
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20110201

	
265

	  	
SAN RAFAEL

	
CA

	
94901

	
1

	
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1200000.00

	
1200000.00

	
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20110215

	
266

	  	
MILL VALLEY

	
CA

	
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1

	
1275000.00

	
1275000.00

	
3

	
20110216

	
267

	  	
HILLSBOROUGH

	
CA

	
94010

	
1

	
1

	  	
4000000.00

	
3

	
20110222

	
268

	  	
SAN FRANCISCO

	
CA

	
94121

	
1

	
1

	  	
1375000.00

	
3

	
20110214

	
269

	  	
NEWPORT BEACH

	
CA

	
92657

	
6

	
1

	
1735000.00

	
1735000.00

	
3

	
20110310

	
270

	  	
BELVEDERE

	
CA

	
94920

	
1

	
1

	
2100000.00

	
2100000.00

	
3

	
20110222

	
271

	  	
SAN CARLOS

	
CA

	
94070

	
6

	
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1210000.00

	
1210000.00

	
3

	
20110308

	
272

	  	
HILLSBOROUGH

	
CA

	
94010

	
1

	
1

	  	
3800000.00

	
3

	
20110323

	
273

	  	
MILL VALLEY

	
CA

	
94941

	
3

	
2

	
1350000.00

	
1275000.00

	
3

	
20110316

	
274

	  	
BURLINGAME

	
CA

	
94010

	
1

	
3

	  	
925000.00

	
3

	
20101116

	
275

	  	
TIBURON

	
CA

	
94920

	
1

	
1

	  	
2300000.00

	
3

	
20110304

	
276

	  	
SANTA BARBARA

	
CA

	
93103

	
1

	
1

	  	
3400000.00

	
3

	
20110407

	
277

	  	
PORTOLA VALLEY

	
CA

	
94028

	
1

	
1

	
1610000.00

	
1610000.00

	
3

	
20110404

	
278

	  	
SAN FRANCISCO

	
CA

	
94115

	
1

	
1

	  	
2000000.00

	
3

	
20110421

	
279

	  	
MILL VALLEY

	
CA

	
94941

	
1

	
1

	  	
2125000.00

	
3

	
20110118

	
280

	  	
ENCINITAS

	
CA

	
92024

	
1

	
1

	
1282500.00

	
1300000.00

	
3

	
20110404

	
281

	  	
TIBURON

	
CA

	
94920

	
1

	
1

	
1150000.00

	
1150000.00

	
3

	
20110425

	
282

	  	
NORTH ANDOVER

	
MA

	
01845

	
1

	
1

	
735000.00

	
735000.00

	
3

	
20110412

	
283

	  	
MENLO PARK

	
CA

	
94025

	
1

	
1

	
2300000.00

	
2300000.00

	
3

	
20110419

	
284

	  	
WELLESLEY

	
MA

	
02481

	
1

	
1

	
3950000.00

	
3950000.00

	
3

	
20110420

	
285

	  	
NEWPORT BEACH

	
CA

	
92660

	
6

	
1

	  	
2300000.00

	
3

	
20110426

	
286

	  	
SAN FRANCISCO

	
CA

	
94123

	
3

	
1

	  	
2200000.00

	
3

	
20110524

	
287

	  	
SAN FRANCISCO

	
CA

	
94107

	
13

	
1

	  	
1300000.00

	
3

	
20110513

	
288

	  	
MENLO PARK

	
CA

	
94025

	
1

	
1

	
2900000.00

	
2900000.00

	
3

	
20110505

	
289

	  	
SAN FRANCISCO

	
CA

	
94118

	
13

	
1

	
1800000.00

	
1800000.00

	
3

	
20110511

	
290

	  	
SAN ANSELMO

	
CA

	
94960

	
1

	
1

	
2125000.00

	
2125000.00

	
3

	
20110425

	
291

	  	
LOS ANGELES

	
CA

	
91423

	
1

	
1

	
990000.00

	
990000.00

	
3

	
20110503

	
292

	  	
MENLO PARK

	
CA

	
94025

	
6

	
1

	  	
1280000.00

	
3

	
20110516

	
293

	  	
WARWICK

	
NY

	
10990

	
1

	
1

	
601350.00

	
605000.00

	
3

	
20110518

	
294

	  	
ORINDA

	
CA

	
94563

	
1

	
1

	
1325000.00

	
1325000.00

	
3

	
20110429

	
295

	  	
SAN FRANCISCO

	
CA

	
94109

	
2

	
2

	
1200000.00

	
1200000.00

	
3

	
20110503

	
296

	  	
SAN RAFAEL

	
CA

	
94901

	
1

	
1

	  	
5400000.00

	
3

	
20110504

	
297

	  	
LOS ANGELES

	
CA

	
91436

	
1

	
1

	
1810000.00

	
1810000.00

	
3

	
20110502

	
298

	  	
ALAMO

	
CA

	
94507

	
1

	
1

	
1975000.00

	
1975000.00

	
3

	
20110525

	
299

	  	
SAN FRANCISCO

	
CA

	
94109

	
3

	
1

	
1329000.00

	
1330000.00

	
3

	
20110523

	
300

	  	
SAN FRANCISCO

	
CA

	
94123

	
1

	
1

	
1950000.00

	
1950000.00

	
3

	
20110613

	
301

	  	
ALAMO

	
CA

	
94507

	
1

	
1

	  	
1625000.00

	
3

	
20110617

	
302

	  	
SAN FRANCISCO

	
CA

	
94114

	
1

	
1

	
1950000.00

	
1950000.00

	
3

	
20110212

	
303

	  	
DANVILLE

	
CA

	
94526

	
1

	
1

	  	
1575000.00

	
3

	
20110405

	
304

	  	
DANVILLE

	
CA

	
94526

	
1

	
1

	
1075000.00

	
1100000.00

	
3

	
20110310

	
305

	  	
CARMEL

	
CA

	
93923

	
7

	
1

	
1300000.00

	
1270000.00

	
3

	
20110325

	
306

	  	
PLEASANTON

	
CA

	
94566

	
7

	
1

	
1110000.00

	
1110000.00

	
3

	
20110412

	
307

	  	
ORANGE

	
CA

	
92869

	
1

	
1

	  	
1665000.00

	
3

	
20101001

	
308

	  	
THE WOODLANDS

	
TX

	
77382

	
1

	
1

	
940329.00

	
965000.00

	
3

	
20100816

	
309

	  	
MONARCH BEACH

	
CA

	
92629

	
6

	
1

	  	
1375000.00

	
3

	
20100915

	
310

	  	
SCOTTSDALE

	
AZ

	
85262

	
6

	
1

	  	
2400000.00

	
3

	
20100917

	
311

	  	
BERKELEY

	
CA

	
94705

	
1

	
1

	  	
975000.00

	
3

	
20100917

	
312

	  	
WELLESLEY

	
MA

	
2481

	
1

	
1

	
862500.00

	
875000.00

	
3

	
20110328

	
313

	  	
MISSION HILLS

	
KS

	
66208

	
6

	
1

	  	
1175000.00

	
3

	
20101020

	
314

	  	
HOPKINTON

	
MA

	
1748

	
1

	
1

	  	
1265000.00

	
3

	
20101123

	
315

	  	
LAS VEGAS

	
NV

	
89117

	
7

	
1

	
628500.00

	
625000.00

	
3

	
20110317

	
316

	  	
MILTON

	
GA

	
30004

	
6

	
1

	  	
1070000.00

	
3

	
20101028

	
317

	  	
DENVER

	
CO

	
80209

	
1

	
1

	  	
925000.00

	
3

	
20101115

	
318

	  	
SAN RAMON

	
CA

	
94583

	
6

	
1

	
1399000.00

	
1400000.00

	
3

	
20101220

	
319

	  	
MENLO PARK

	
CA

	
94025

	
1

	
1

	  	
2000000.00

	
3

	
20101124

	
320

	  	
THE WOODLANDS

	
TX

	
77381

	
1

	
1

	  	
1000000.00

	
3

	
20101213

	
321

	  	
SEATTLE

	
WA

	
98115

	
1

	
1

	
950000.00

	
975000.00

	
3

	
20101214

	
322

	  	
BERWYN

	
PA

	
19312

	
6

	
1

	
917500.00

	
918000.00

	
3

	
20101214

	
323

	  	
BEVERLY HILLS

	
CA

	
90212

	
1

	
1

	  	
2525000.00

	
3

	
20110127

	
324

	  	
SAMMAMISH

	
WA

	
98075

	
1

	
1

	
870000.00

	
870000.00

	
3

	
20110216

	
325

	  	
SIGNAL MOUNTAIN

	
TN

	
37377

	
7

	
1

	  	
750000.00

	
3

	
20110323

	
326

	  	
LOUISVILLE

	
CO

	
80027

	
1

	
1

	  	
960000.00

	
3

	
20110128

	
327

	  	
SANTA ROSA

	
CA

	
95405

	
6

	
1

	  	
1150000.00

	
3

	
20110209

	
328

	  	
MENDHAM

	
NJ

	
7945

	
1

	
1

	
3000000.00

	
3000000.00

	
3

	
20110203

	
329

	  	
PORTLAND

	
OR

	
97229

	
6

	
1

	  	
875000.00

	
3

	
20110202

	
330

	  	
PALM SPRINGS

	
CA

	
92264

	
6

	
1

	
1400000.00

	
1400000.00

	
3

	
20110125

	
331

	  	
CHANDLER

	
AZ

	
85249

	
6

	
1

	
600000.00

	
625000.00

	
3

	
20110201

	
332

	  	
WELLESLEY

	
MA

	
2482

	
1

	
1

	
1235000.00

	
1235000.00

	
3

	
20110331

	
333

	  	
PARAMUS

	
NJ

	
7652

	
1

	
1

	
1630000.00

	
1630000.00

	
3

	
20110207

	
334

	  	
NORTHBROOK

	
IL

	
60062

	
1

	
1

	
835000.00

	
800000.00

	
3

	
20110207

	
335

	  	
HOLMDEL

	
NJ

	
7733

	
1

	
1

	
1155000.00

	
1155000.00

	
3

	
20110215

	
336

	  	
ARLINGTON

	
VA

	
22207

	
1

	
1

	
1119000.00

	
1120000.00

	
3

	
20110217

	
337

	  	
HOUSTON

	
TX

	
77007

	
6

	
1

	  	
960000.00

	
3

	
20110221

	
338

	  	
LA JOLLA

	
CA

	
92037

	
6

	
1

	
955000.00

	
955000.00

	
3

	
20110309

	
339

	  	
ENCINITAS

	
CA

	
92024

	
7

	
1

	
1525000.00

	
1525000.00

	
3

	
20110223

	
340

	  	
LOS ALTOS HILLS

	
CA

	
94022

	
1

	
1

	  	
2300000.00

	
3

	
20110330

	
341

	  	
PITTSBURGH

	
PA

	
15217

	
1

	
1

	
775000.00

	
777500.00

	
3

	
20110326

	
342

	  	
LITTLETON

	
CO

	
80127

	
7

	
1

	
716000.00

	
722000.00

	
3

	
20110405

	
343

	  	
SCOTTSDALE

	
AZ

	
85266

	
7

	
1

	  	
825000.00

	
3

	
20100817

	
344

	  	
GULF SHORES

	
AL

	
36542

	
1

	
2

	
790000.00

	
798000.00

	
3

	
20100915

	
345

	  	
MARS

	
PA

	
16046

	
1

	
1

	
570000.00

	
575000.00

	
3

	
20100913

	
346

	  	
PALM BEACH GARDENS

	
FL

	
33418

	
7

	
1

	  	
1125000.00

	
3

	
20100901

	
347

	  	
ATLANTA

	
GA

	
30319

	
1

	
1

	  	
802000.00

	
3

	
20100916

	
348

	  	
ALPHARETTA

	
GA

	
30005

	
7

	
1

	  	
750000.00

	
3

	
20100828

	
349

	  	
ATLANTA

	
GA

	
30319

	
1

	
1

	  	
1100000.00

	
3

	
20100714

	
350

	  	
DULUTH

	
GA

	
30097

	
1

	
1

	
930000.00

	
953000.00

	
3

	
20100821

	
351

	  	
MAITLAND

	
FL

	
32751

	
1

	
1

	
1250000.00

	
1500000.00

	
3

	
20100910

	
352

	  	
HAYES

	
VA

	
23072

	
1

	
1

	  	
925000.00

	
3

	
20101008

	
353

	  	
MILTON

	
GA

	
30004

	
7

	
1

	
945000.00

	
950000.00

	
3

	
20100804

	
354

	  	
CHARLOTTESVILLE

	
VA

	
22901

	
1

	
1

	  	
1140000.00

	
3

	
20101022

	
355

	  	
WASHINGTON

	
DC

	
20007

	
12

	
1

	  	
1650000.00

	
3

	
20100920

	
356

	  	
FT. LAUDERDALE

	
FL

	
33308

	
7

	
1

	
1250000.00

	
1250000.00

	
3

	
20100929

	
357

	  	
ATLANTA

	
GA

	
30327

	
1

	
1

	  	
1400000.00

	
3

	
20101012

	
358

	  	
ATLANTA

	
GA

	
30327

	
1

	
1

	
1250000.00

	
1300000.00

	
3

	
20101104

	
359

	  	
DECATUR

	
GA

	
30033

	
1

	
1

	  	
1082000.00

	
3

	
20101114

	
360

	  	
CHARLOTTE

	
NC

	
28209

	
1

	
1

	  	
850000.00

	
3

	
20100910

	
361

	  	
ATLANTA

	
GA

	
30327

	
1

	
1

	  	
1900000.00

	
3

	
20101105

	
362

	  	
ATLANTA

	
GA

	
30305

	
1

	
1

	  	
975000.00

	
3

	
20101108

	
363

	  	
BRENTWOOD

	
TN

	
37027

	
1

	
1

	  	
1550000.00

	
3

	
20101026

	
364

	  	
JOHNS ISLAND

	
SC

	
29455

	
1

	
1

	  	
2200000.00

	
3

	
20100614

	
365

	  	
CUMMING

	
GA

	
30041

	
7

	
1

	  	
800000.00

	
3

	
20101104

	
366

	  	
ATLANTA

	
GA

	
30306

	
1

	
1

	  	
1500000.00

	
3

	
20101027

	
367

	  	
MT PLEASANT

	
SC

	
29464

	
7

	
1

	  	
1200000.00

	
3

	
20101018

	
368

	  	
WRIGHTSVILLE BEACH

	
NC

	
28480

	
1

	
1

	  	
1850000.00

	
3

	
20101006

	
369

	  	
HILTON HEAD ISLAND

	
SC

	
29928

	
7

	
1

	  	
1400000.00

	
3

	
20101014

	
370

	  	
CHARLESTON

	
SC

	
29401

	
1

	
1

	  	
2500000.00

	
3

	
20101110

	
371

	  	
MIAMI SHORES

	
FL

	
33138

	
1

	
1

	  	
1570000.00

	
3

	
20100902

	
372

	  	
ELLICOTT CITY

	
MD

	
21042

	
1

	
1

	
950000.00

	
950000.00

	
3

	
20101118

	
373

	  	
YORKTOWN

	
VA

	
23693

	
7

	
1

	  	
885000.00

	
3

	
20100902

	
374

	  	
AMBLER

	
PA

	
19002

	
1

	
1

	  	
1600000.00

	
3

	
20101015

	
375

	  	
MONTVERDE

	
FL

	
34756

	
1

	
1

	  	
950000.00

	
3

	
20101005

	
376

	  	
ATLANTA

	
GA

	
30309

	
7

	
1

	  	
1150000.00

	
3

	
20100924

	
377

	  	
WINTER PARK

	
FL

	
32789

	
1

	
1

	  	
911000.00

	
3

	
20100914

	
378

	  	
HILTON HEAD ISLAND

	
SC

	
29926

	
7

	
1

	  	
800000.00

	
3

	
20100910

	
379

	  	
WASHINGTON

	
DC

	
20036

	
1

	
1

	  	
1400000.00

	
3

	
20100908

	
380

	  	
CORNELIUS

	
NC

	
28031

	
7

	
1

	  	
2645000.00

	
3

	
20101112

	
381

	  	
ATLANTA

	
GA

	
30342

	
1

	
1

	
1418993.00

	
1500000.00

	
3

	
20091215

	
382

	  	
ATHENS

	
GA

	
30606

	
1

	
1

	  	
1300000.00

	
3

	
20100831

	
383

	  	
BRENTWOOD

	
TN

	
37027

	
7

	
2

	
1190000.00

	
1200000.00

	
3

	
20101101

	
384

	  	
FAIRFIELD

	
CA

	
94534

	
1

	
1

	
600000.00

	
585000.00

	
3

	
20101027

	
385

	  	
RENO

	
NV

	
89519

	
1

	
1

	
1275000.00

	
1315000.00

	
3

	
20110115

	
386

	  	
LACONIA

	
NH

	
03246

	
1

	
1

	  	
1150000.00

	
3

	
20101207

	
387

	  	
CHESTER

	
NY

	
10950

	
1

	
1

	  	
1200000.00

	
3

	
20100830

	
388

	  	
DEEPHAVEN

	
MN

	
55331

	
1

	
1

	  	
1250000.00

	
3

	
20101014

	
389

	  	
SPOKANE

	
WA

	
99223

	
1

	
1

	  	
935000.00

	
3

	
20100928

	
390

	  	
NEWTON

	
MA

	
02459

	
1

	
1

	  	
1287000.00

	
3

	
20101009

	
391

	  	
CLAREMONT

	
CA

	
91711

	
1

	
1

	  	
1550000.00

	
3

	
20101105

	
392

	  	
ARCADIA

	
CA

	
91007

	
1

	
1

	  	
2190000.00

	
3

	
20101118

	
393

	  	
MOORESTOWN

	
NJ

	
08057

	
1

	
1

	  	
1125000.00

	
3

	
20101109

	
394

	  	
GREAT FALLS

	
VA

	
22066

	
1

	
1

	  	
1900000.00

	
3

	
20101111

	
395

	  	
WALNUT CREEK

	
CA

	
94598

	
1

	
1

	  	
1250000.00

	
3

	
20101124

	
396

	  	
NEWTON

	
MA

	
02465

	
1

	
1

	  	
1590000.00

	
3

	
20101102

	
397

	  	
EDINA

	
MN

	
55436

	
1

	
1

	  	
1580000.00

	
3

	
20101029

	
398

	  	
WAXHAW

	
NC

	
28173

	
1

	
1

	  	
680000.00

	
3

	
20101202

	
399

	  	
WASHINGTON

	
DC

	
20007

	
1

	
1

	  	
2100000.00

	
3

	
20110111

	
400

	  	
ORONO

	
MN

	
55356

	
1

	
1

	  	
1100000.00

	
3

	
20101116

	
401

	  	
SAINT CHARLE

	
IL

	
60175

	
1

	
1

	  	
1095000.00

	
3

	
20101026

	
402

	  	
EXCELSIOR

	
MN

	
55331

	
1

	
1

	  	
1275000.00

	
3

	
20101123

	
403

	  	
MEQUON

	
WI

	
53092

	
1

	
1

	  	
950000.00

	
3

	
20101114

	
404

	  	
WALLA WALLA

	
WA

	
99362

	
1

	
1

	  	
845000.00

	
3

	
20101119

	
405

	  	
EDINA

	
MN

	
55424

	
1

	
1

	  	
1475000.00

	
3

	
20101110

	
406

	  	
LOS ANGELES

	
CA

	
90068

	
1

	
1

	  	
1150000.00

	
3

	
20101215

	
407

	  	
EDINA

	
MN

	
55436

	
1

	
1

	  	
1200000.00

	
3

	
20101129

	
408

	  	
SCOTTSDALE

	
AZ

	
85266

	
1

	
1

	  	
2100000.00

	
3

	
20101207

	
409

	  	
LOS ALTOS

	
CA

	
94024

	
1

	
1

	  	
1975000.00

	
3

	
20101214

	
410

	  	
WESTFIELD

	
NJ

	
07090

	
1

	
1

	  	
1770000.00

	
3

	
20101207

	
411

	  	
BELMONT

	
MA

	
02478

	
1

	
1

	  	
1725000.00

	
3

	
20101222

	
412

	  	
GUALALA

	
CA

	
95445

	
1

	
2

	  	
745000.00

	
3

	
20101206

	
413

	  	
LADERA RANCH

	
CA

	
92694

	
1

	
1

	  	
1185000.00

	
3

	
20101202

	
414

	  	
HOUSTON

	
TX

	
77019

	
1

	
1

	  	
940000.00

	
3

	
20101201

	
415

	  	
BELLAIRE

	
TX

	
77401

	
1

	
1

	  	
760000.00

	
3

	
20101206

	
416

	  	
DENVER

	
CO

	
80220

	
1

	
1

	  	
1450000.00

	
3

	
20101215

	
417

	  	
ELLICOTT CIT

	
MD

	
21042

	
1

	
1

	  	
915000.00

	
3

	
20101210

	
418

	  	
BOSTON

	
MA

	
02130

	
4

	
1

	
510000.00

	
545000.00

	
3

	
20101112

	
419

	  	
HILLSBOROUGH

	
CA

	
94010

	
1

	
1

	
1950000.00

	
1950000.00

	
3

	
20110318

	
420

	  	
SAN MATEO

	
CA

	
94403

	
1

	
1

	  	
1275000.00

	
3

	
20101029

	
421

	  	
ASHLAND

	
OR

	
97520

	
1

	
1

	  	
660000.00

	
3

	
20101220

	
422

	  	
FAIRHOPE

	
AL

	
36532

	
1

	
1

	
1050000.00

	
1100000.00

	
3

	
20110204

	
423

	  	
LEXINGTON

	
MA

	
2421

	
1

	
1

	
1060000.00

	
1098000.00

	
3

	
20110209

	
424

	  	
FORT LAUDERDALE

	
FL

	
33308

	
1

	
1

	
1300000.00

	
1350000.00

	
3

	
20110222

	
425

	  	
OGUNQUIT

	
ME

	
03907

	
1

	
1

	  	
991000.00

	
3

	
20110406

	
426

	  	
NORTHBORO

	
MA

	
01532

	
1

	
1

	
599250.00

	
600000.00

	
3

	
20101104

	
427

	  	
LOS ANGELES

	
CA

	
90077

	
1

	
1

	  	
2600000.00

	
3

	
20101008

	
428

	  	
CHAPEL HILL

	
NC

	
27514

	
6

	
1

	  	
700000.00

	
3

	
20100910

	
429

	  	
SANTA MONICA

	
CA

	
90405

	
1

	
1

	  	
1550000.00

	
3

	
20100914

	
430

	  	
UPLAND

	
CA

	
91784

	
1

	
1

	  	
870000.00

	
3

	
20100930

	
431

	  	
BERKELEY

	
CA

	
94705

	
1

	
1

	  	
1100000.00

	
3

	
20101025

	
432

	  	
MILL VALLEY

	
CA

	
94941

	
1

	
1

	  	
1025000.00

	
3

	
20101103

	
433

	  	
BURLINGAME

	
CA

	
94010

	
1

	
1

	  	
1700000.00

	
3

	
20101028

	
434

	  	
ENGLEWOOD

	
CO

	
80111

	
6

	
1

	  	
730000.00

	
3

	
20101104

	
435

	  	
LA MESA

	
CA

	
91941

	
1

	
1

	  	
1063000.00

	
3

	
20101109

	
436

	  	
WEST WINDSOR

	
NJ

	
08550

	
1

	
1

	
830000.00

	
830000.00

	
3

	
20101106

	
437

	  	
SAN FRANCISCO

	
CA

	
94114

	
1

	
1

	  	
1925000.00

	
3

	
20101104

	
438

	  	
MILL VALLEY

	
CA

	
94941

	
1

	
1

	  	
1660000.00

	
3

	
20101111

	
439

	  	
ZEPHYR COVE

	
NV

	
89448

	
1

	
2

	
925000.00

	
925000.00

	
3

	
20101122

	
440

	  	
PROSPER

	
TX

	
75078

	
6

	
1

	
691396.00

	
720000.00

	
3

	
20101102

	
441

	  	
ATLANTA

	
GA

	
30327

	
1

	
1

	  	
1168000.00

	
3

	
20101123

	
442

	  	
WINDSOR

	
CO

	
80528

	
6

	
1

	
685000.00

	
690000.00

	
3

	
20101105

	
443

	  	
TORRANCE

	
CA

	
90505

	
1

	
1

	  	
1058000.00

	
3

	
20101118

	
444

	  	
SAN DIEGO

	
CA

	
92130

	
6

	
1

	
1160000.00

	
1160000.00

	
3

	
20101110

	
445

	  	
SCOTTSDALE

	
AZ

	
85262

	
6

	
1

	
700000.00

	
700000.00

	
3

	
20101108

	
446

	  	
CHERRY HILLS VILLAGE

	
CO

	
80113

	
6

	
1

	  	
2000000.00

	
3

	
20101208

	
447

	  	
SAN FRANCISCO

	
CA

	
94118

	
1

	
1

	  	
1900000.00

	
3

	
20101109

	
448

	  	
WEST PALM BEACH

	
FL

	
33405

	
1

	
1

	
1200000.00

	
1200000.00

	
3

	
20101120

	
449

	  	
HOUSTON

	
TX

	
77024

	
1

	
1

	  	
1285000.00

	
3

	
20101118

	
450

	  	
BELLAIRE

	
TX

	
77401

	
1

	
1

	  	
729000.00

	
3

	
20101118

	
451

	  	
WINTER PARK

	
FL

	
32792

	
6

	
1

	  	
835000.00

	
3

	
20101118

	
452

	  	
PIEDMONT

	
CA

	
94611

	
1

	
1

	  	
1125000.00

	
3

	
20101119

	
453

	  	
PORTLAND

	
OR

	
97210

	
1

	
1

	  	
1000000.00

	
3

	
20101122

	
454

	  	
RICHMOND

	
VA

	
23229

	
1

	
1

	  	
1050000.00

	
3

	
20101119

	
455

	  	
DANA POINT

	
CA

	
92629

	
1

	
1

	  	
1465000.00

	
3

	
20101122

	
456

	  	
PORTSMOUTH

	
RI

	
02871

	
1

	
1

	
930000.00

	
961000.00

	
3

	
20101213

	
457

	  	
NEW YORK

	
NY

	
10128

	
4

	
1

	  	
975000.00

	
3

	
20090114

	
458

	  	
NEW YORK

	
NY

	
10025

	
2

	
1

	  	
1385000.00

	
3

	
20100727

	
459

	  	
NEW YORK

	
NY

	
10021

	
2

	
1

	
2725000.00

	
2725000.00

	
3

	
20100831

	
460

	  	
NEW YORK

	
NY

	
10023

	
4

	
1

	  	
4550000.00

	
3

	
20101014

	
461

	  	
NEW YORK

	
NY

	
10023

	
2

	
1

	  	
2700000.00

	
3

	
20101013

	
462

	  	
NEW YORK

	
NY

	
10024

	
2

	
1

	
2325000.00

	
2325000.00

	
3

	
20101014

	
463

	  	
NEW YORK

	
NY

	
10010

	
2

	
1

	
1305000.00

	
1320000.00

	
3

	
20101117

	
464

	  	
KINGSTON

	
NY

	
12401

	
1

	
1

	
585000.00

	
585000.00

	
3

	
20110113

	
465

	  	
NEW ROCHELLE

	
NY

	
10804

	
1

	
1

	
1570000.00

	
1500000.00

	
3

	
20110303

	
466

	  	
EAST HAMPTON

	
NY

	
11937

	
1

	
2

	
1750010.00

	
1650000.00

	
3

	
20101226

	
467

	  	
NEW YORK

	
NY

	
10028

	
2

	
1

	
1700000.00

	
1750000.00

	
3

	
20110328

	
468

	  	
NEW YORK

	
NY

	
10022

	
2

	
1

	
3100000.00

	
3100000.00

	
3

	
20110128

	
469

	  	
GREAT NECK

	
NY

	
11021

	
1

	
1

	
1365000.00

	
1600000.00

	
3

	
20110325

	
470

	  	
New York

	
NY

	
10128

	
2

	
1

	
2140000.00

	
2150000.00

	
3

	
20110414

	
471

	  	
SHORT HILLS

	
NJ

	
07078

	
1

	
1

	
2500000.00

	
2500000.00

	
3

	
20110427

	
472

	  	
NEW YORK

	
NY

	
10023

	
4

	
1

	  	
2250000.00

	
3

	
20100928

	
473

	  	
GARDEN CITY

	
NY

	
11530

	
1

	
1

	  	
2300000.00

	
3

	
20101129

 

	
KEY

	
Original Automated

Valuation Model

(AVM) Model Name

	
Original AVM

Confidence Score

	
Most Recent

Property Value2

	
Most Recent

Property Valuation

Type

	
Most Recent

Property Valuation

Date

	
Most Recent AVM

Model Name

	
Most Recent AVM

Confidence Score

	
Original 

CLTV

	
Original 

LTV

	
Original Pledged

Assets

	
Mortgage Insurance

Company Name

	
1

	  	  	  	  	  	  	  	
0.387000

	
0.291667

	
0

	  
	
2

	  	  	  	  	  	  	  	
0.567021

	
0.301064

	
0

	  
	
3

	  	  	  	  	  	  	  	
0.367647

	
0.367647

	
0

	  
	
4

	  	  	
633200.00

	
7

	
20110817

	  	  	
0.709677

	
0.645161

	
0

	  
	
5

	  	  	  	  	  	  	  	
0.089357

	
0.089357

	
0

	  
	
6

	  	  	  	  	  	  	  	
0.709524

	
0.595238

	
0

	  
	
7

	  	  	  	  	  	  	  	
0.353091

	
0.227273

	
0

	  
	
8

	  	  	
900000.00

	
5

	
20110912

	  	  	
0.602864

	
0.505777

	
0

	  
	
9

	  	  	
1326500.00

	
7

	
20110817

	  	  	
0.750000

	
0.543440

	
0

	  
	
10

	  	  	
465500.00

	
7

	
20110817

	  	  	
0.789758

	
0.789758

	
0

	  
	
11

	  	  	
824500.00

	
7

	
20110817

	  	  	
0.600000

	
0.600000

	
0

	  
	
12

	  	  	
1100000.00

	
10

	
20110829

	  	  	
0.714615

	
0.406923

	
0

	  
	
13

	  	  	
1121082.00

	
10

	
20110829

	  	  	
0.515021

	
0.472103

	
0

	  
	
14

	  	  	  	  	  	  	  	
0.298361

	
0.298361

	
0

	  
	
15

	  	  	
1125000.00

	
5

	
20110912

	  	  	
0.600000

	
0.480769

	
0

	  
	
16

	  	  	
750000.00

	
5

	
20110912

	  	  	
0.799053

	
0.493491

	
0

	  
	
17

	  	  	
675000.00

	
10

	
20110829

	  	  	
0.660000

	
0.660000

	
0

	  
	
18

	  	  	
1763900.00

	
7

	
20110817

	  	  	
0.513889

	
0.347222

	
0

	  
	
19

	  	  	
950000.00

	
10

	
20110829

	  	  	
0.800000

	
0.750000

	
0

	  
	
20

	  	  	
513500.00

	
7

	
20110817

	  	  	
0.758491

	
0.758491

	
0

	  
	
21

	  	  	
997000.00

	
10

	
20110829

	  	  	
0.470000

	
0.356364

	
0

	  
	
22

	  	  	
875000.00

	
10

	
20110829

	  	  	
0.644330

	
0.644330

	
0

	  
	
23

	  	  	
900000.00

	
5

	
20110912

	  	  	
0.699000

	
0.625000

	
0

	  
	
24

	  	  	
1009700.00

	
7

	
20110817

	  	  	
0.710000

	
0.625000

	
0

	  
	
25

	  	  	
820900.00

	
10

	
20110829

	  	  	
0.800000

	
0.800000

	
0

	  
	
26

	  	  	  	  	  	  	  	
0.478830

	
0.266064

	
0

	  
	
27

	  	  	
660000.00

	
5

	
20110912

	  	  	
0.628387

	
0.538065

	
0

	  
	
28

	  	  	
2450000.00

	
10

	
20110829

	  	  	
0.266170

	
0.266170

	
0

	  
	
29

	  	  	
406100.00

	
7

	
20110817

	  	  	
0.627854

	
0.627854

	
0

	  
	
30

	  	  	
1125000.00

	
10

	
20110829

	  	  	
0.648980

	
0.510204

	
0

	  
	
31

	  	  	  	  	  	  	  	
0.314545

	
0.223636

	
0

	  
	
32

	  	  	
679000.00

	
10

	
20110829

	  	  	
0.559732

	
0.559732

	
0

	  
	
33

	  	  	
1100000.00

	
10

	
20110829

	  	  	
0.340426

	
0.340426

	
0

	  
	
34

	  	  	
543900.00

	
7

	
20110817

	  	  	
0.738053

	
0.738053

	
0

	  
	
35

	  	  	
2350000.00

	
10

	
20110829

	  	  	
0.301545

	
0.265182

	
0

	  
	
36

	  	  	
650000.00

	
5

	
20110912

	  	  	
0.595123

	
0.595123

	
0

	  
	
37

	  	  	
1043600.00

	
7

	
20110817

	  	  	
0.575000

	
0.575000

	
0

	  
	
38

	  	  	
550200.00

	
7

	
20110817

	  	  	
0.780476

	
0.780476

	
0

	  
	
39

	  	  	
123300.00

	
7

	
20110817

	  	  	
0.699994

	
0.699994

	
0

	  
	
40

	  	  	
802300.00

	
7

	
20110817

	  	  	
0.750000

	
0.750000

	
0

	  
	
41

	  	  	  	  	  	  	  	
0.298969

	
0.298969

	
0

	  
	
42

	  	  	
1241000.00

	
7

	
20110817

	  	  	
0.500000

	
0.500000

	
0

	  
	
43

	  	  	
445100.00

	
7

	
20110817

	  	  	
0.800000

	
0.800000

	
0

	  
	
44

	  	  	
552500.00

	
7

	
20110817

	  	  	
0.744643

	
0.744643

	
0

	  
	
45

	  	  	  	  	  	  	  	
0.539683

	
0.539683

	
0

	  
	
46

	  	  	  	  	  	  	  	
0.695962

	
0.561346

	
0

	  
	
47

	  	  	  	  	  	  	  	
0.365479

	
0.228493

	
0

	  
	
48

	  	  	  	  	  	  	  	
0.700000

	
0.700000

	
0

	  
	
49

	  	  	  	  	  	  	  	
0.143137

	
0.143137

	
0

	  
	
50

	  	  	  	  	  	  	  	
0.416667

	
0.208333

	
0

	  
	
51

	  	  	  	  	  	  	  	
0.700000

	
0.600000

	
0

	  
	
52

	  	  	  	  	  	  	  	
0.425926

	
0.425926

	
0

	  
	
53

	  	  	  	  	  	  	  	
0.484530

	
0.484530

	
0

	  
	
54

	  	  	  	  	  	  	  	
0.088911

	
0.061111

	
0

	  
	
55

	  	  	  	  	  	  	  	
0.600000

	
0.600000

	
0

	  
	
56

	  	  	  	  	  	  	  	
0.666667

	
0.666667

	
0

	  
	
57

	  	  	  	  	  	  	  	
0.746220

	
0.355976

	
0

	  
	
58

	  	  	  	  	  	  	  	
0.749117

	
0.678445

	
0

	  
	
59

	  	  	  	  	  	  	  	
0.457037

	
0.308889

	
0

	  
	
60

	  	  	  	  	  	  	  	
0.562500

	
0.562500

	
0

	  
	
61

	  	  	  	  	  	  	  	
0.571900

	
0.291900

	
0

	  
	
62

	  	  	  	  	  	  	  	
0.600000

	
0.600000

	
0

	  
	
63

	  	  	  	  	  	  	  	
0.656693

	
0.656693

	
0

	  
	
64

	  	  	  	  	  	  	  	
0.718182

	
0.415152

	
0

	  
	
65

	  	  	  	  	  	  	  	
0.652273

	
0.545455

	
0

	  
	
66

	  	  	  	  	  	  	  	
0.224490

	
0.224490

	
0

	  
	
67

	  	  	  	  	  	  	  	
0.800000

	
0.800000

	
0

	  
	
68

	  	  	  	  	  	  	  	
0.624000

	
0.568000

	
0

	  
	
69

	  	  	  	  	  	  	  	
0.444444

	
0.444444

	
0

	  
	
70

	  	  	  	  	  	  	  	
0.649098

	
0.444898

	
0

	  
	
71

	  	  	  	  	  	  	  	
0.784314

	
0.784314

	
0

	  
	
72

	  	  	  	  	  	  	  	
0.287586

	
0.287586

	
0

	  
	
73

	  	  	  	  	  	  	  	
0.530000

	
0.230000

	
0

	  
	
74

	  	  	  	  	  	  	  	
0.650000

	
0.638978

	
0

	  
	
75

	  	  	  	  	  	  	  	
0.726923

	
0.726923

	
0

	  
	
76

	  	  	  	  	  	  	  	
0.571429

	
0.571429

	
0

	  
	
77

	  	  	  	  	  	  	  	
0.750000

	
0.733417

	
0

	  
	
78

	  	  	  	  	  	  	  	
0.700000

	
0.700000

	
0

	  
	
79

	  	  	  	  	  	  	  	
0.763636

	
0.763636

	
0

	  
	
80

	  	  	  	  	  	  	  	
0.282154

	
0.128308

	
0

	  
	
81

	  	  	  	  	  	  	  	
0.750000

	
0.750000

	
0

	  
	
82

	  	  	  	  	  	  	  	
0.588235

	
0.588235

	
0

	  
	
83

	  	  	  	  	  	  	  	
0.393333

	
0.213846

	
0

	  
	
84

	  	  	  	  	  	  	  	
0.539048

	
0.539048

	
0

	  
	
85

	  	  	  	  	  	  	  	
0.659574

	
0.659574

	
0

	  
	
86

	  	  	  	  	  	  	  	
0.480978

	
0.154891

	
0

	  
	
87

	  	  	  	  	  	  	  	
0.666667

	
0.500000

	
0

	  
	
88

	  	  	  	  	  	  	  	
0.486207

	
0.486207

	
0

	  
	
89

	  	  	  	  	  	  	  	
0.617778

	
0.617778

	
0

	  
	
90

	  	  	  	  	  	  	  	
0.800000

	
0.800000

	
0

	  
	
91

	  	  	  	  	  	  	  	
0.800000

	
0.691244

	
0

	  
	
92

	  	  	  	  	  	  	  	
0.700000

	
0.700000

	
0

	  
	
93

	  	  	  	  	  	  	  	
0.800000

	
0.800000

	
0

	  
	
94

	  	  	  	  	  	  	  	
0.668605

	
0.610465

	
0

	  
	
95

	  	  	  	  	  	  	  	
0.700000

	
0.700000

	
0

	  
	
96

	  	  	  	  	  	  	  	
0.541667

	
0.541667

	
0

	  
	
97

	  	  	  	  	  	  	  	
0.596774

	
0.596774

	
0

	  
	
98

	  	  	  	  	  	  	  	
0.630435

	
0.630435

	
0

	  
	
99

	  	  	  	  	  	  	  	
0.705000

	
0.238333

	
0

	  
	
100

	  	  	  	  	  	  	  	
0.476136

	
0.476136

	
0

	  
	
101

	  	  	  	  	  	  	  	
0.478182

	
0.441818

	
0

	  
	
102

	  	  	  	  	  	  	  	
0.454958

	
0.121625

	
0

	  
	
103

	  	  	  	  	  	  	  	
0.418537

	
0.369756

	
0

	  
	
104

	  	  	  	  	  	  	  	
0.528925

	
0.313871

	
0

	  
	
105

	  	  	  	  	  	  	  	
0.552308

	
0.552308

	
0

	  
	
106

	  	  	  	  	  	  	  	
0.750000

	
0.750000

	
0

	  
	
107

	  	  	  	  	  	  	  	
0.800000

	
0.800000

	
0

	  
	
108

	  	  	  	  	  	  	  	
0.750000

	
0.750000

	
0

	  
	
109

	  	  	  	  	  	  	  	
0.558977

	
0.331705

	
0

	  
	
110

	  	  	  	  	  	  	  	
0.733333

	
0.486500

	
0

	  
	
111

	  	  	  	  	  	  	  	
0.500000

	
0.454545

	
0

	  
	
112

	  	  	  	  	  	  	  	
0.664103

	
0.564103

	
0

	  
	
113

	  	  	  	  	  	  	  	
0.560714

	
0.292857

	
0

	  
	
114

	  	  	  	  	  	  	  	
0.560440

	
0.560440

	
0

	  
	
115

	  	  	  	  	  	  	  	
0.712821

	
0.615385

	
0

	  
	
116

	  	  	  	  	  	  	  	
0.693636

	
0.374545

	
0

	  
	
117

	  	  	  	  	  	  	  	
0.608125

	
0.608125

	
0

	  
	
118

	  	  	  	  	  	  	  	
0.072252

	
0.072252

	
0

	  
	
119

	  	  	  	  	  	  	  	
0.800000

	
0.397143

	
0

	  
	
120

	  	  	  	  	  	  	  	
0.697674

	
0.697674

	
0

	  
	
121

	  	  	  	  	  	  	  	
0.432425

	
0.432425

	
0

	  
	
122

	  	  	  	  	  	  	  	
0.623333

	
0.290000

	
0

	  
	
123

	  	  	  	  	  	  	  	
0.800000

	
0.800000

	
0

	  
	
124

	  	  	  	  	  	  	  	
0.207662

	
0.141872

	
0

	  
	
125

	  	  	  	  	  	  	  	
0.214286

	
0.214286

	
0

	  
	
126

	  	  	  	  	  	  	  	
0.800000

	
0.800000

	
0

	  
	
127

	  	  	  	  	  	  	  	
0.206250

	
0.206250

	
0

	  
	
128

	  	  	  	  	  	  	  	
0.563380

	
0.563380

	
0

	  
	
129

	  	  	  	  	  	  	  	
0.112703

	
0.112703

	
0

	  
	
130

	  	  	  	  	  	  	  	
0.100655

	
0.100655

	
0

	  
	
131

	  	  	  	  	  	  	  	
0.695000

	
0.695000

	
0

	  
	
132

	  	  	  	  	  	  	  	
0.799636

	
0.799636

	
0

	  
	
133

	  	  	  	  	  	  	  	
0.682927

	
0.682927

	
0

	  
	
134

	  	  	
2500000.00

	
10

	
20110829

	  	  	
0.329211

	
0.329211

	
0

	  
	
135

	  	  	
4404900.00

	
7

	
20110817

	  	  	
0.454727

	
0.227455

	
0

	  
	
136

	  	  	
2700000.00

	
5

	
20110912

	  	  	
0.386061

	
0.252727

	
0

	  
	
137

	  	  	
875000.00

	
5

	
20110912

	  	  	
0.460773

	
0.460773

	
0

	  
	
138

	  	  	  	  	  	  	  	
0.699718

	
0.699718

	
0

	  
	
139

	  	  	  	  	  	  	  	
0.365854

	
0.365854

	
0

	  
	
140

	  	  	  	  	  	  	  	
0.218182

	
0.218182

	
0

	  
	
141

	  	  	  	  	  	  	  	
0.423077

	
0.423077

	
0

	  
	
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0.563636

	
0

	  
	
356

	  	  	  	  	  	  	  	
0.640000

	
0.640000

	
0

	  
	
357

	  	  	  	  	  	  	  	
0.715714

	
0.537143

	
0

	  
	
358

	  	  	  	  	  	  	  	
0.520000

	
0.520000

	
0

	  
	
359

	  	  	  	  	  	  	  	
0.688540

	
0.688540

	
0

	  
	
360

	  	  	  	  	  	  	  	
0.723529

	
0.723529

	
0

	  
	
361

	  	  	  	  	  	  	  	
0.752105

	
0.488947

	
0

	  
	
362

	  	  	  	  	  	  	  	
0.650000

	
0.650000

	
0

	  
	
363

	  	  	  	  	  	  	  	
0.467742

	
0.467742

	
0

	  
	
364

	  	  	  	  	  	  	  	
0.370909

	
0.370909

	
0

	  
	
365

	  	  	  	  	  	  	  	
0.749563

	
0.675813

	
0

	  
	
366

	  	  	  	  	  	  	  	
0.653333

	
0.653333

	
0

	  
	
367

	  	  	  	  	  	  	  	
0.694167

	
0.694167

	
0

	  
	
368

	  	  	  	  	  	  	  	
0.648649

	
0.432432

	
0

	  
	
369

	  	  	  	  	  	  	  	
0.478571

	
0.389286

	
0

	  
	
370

	  	  	  	  	  	  	  	
0.471800

	
0.371800

	
0

	  
	
371

	  	  	  	  	  	  	  	
0.576433

	
0.576433

	
0

	  
	
372

	  	  	  	  	  	  	  	
0.736842

	
0.736842

	
0

	  
	
373

	  	  	  	  	  	  	  	
0.724859

	
0.724859

	
0

	  
	
374

	  	  	  	  	  	  	  	
0.530625

	
0.530625

	
0

	  
	
375

	  	  	  	  	  	  	  	
0.652632

	
0.652632

	
0

	  
	
376

	  	  	  	  	  	  	  	
0.799957

	
0.739087

	
0

	  
	
377

	  	  	  	  	  	  	  	
0.713502

	
0.713502

	
0

	  
	
378

	  	  	  	  	  	  	  	
0.731875

	
0.731875

	
0

	  
	
379

	  	  	  	  	  	  	  	
0.696429

	
0.696429

	
0

	  
	
380

	  	  	  	  	  	  	  	
0.378072

	
0.378072

	
0

	  
	
381

	  	  	  	  	  	  	  	
0.641300

	
0.641300

	
0

	  
	
382

	  	  	  	  	  	  	  	
0.734385

	
0.734385

	
0

	  
	
383

	  	  	  	  	  	  	  	
0.750000

	
0.750000

	
0

	  
	
384

	  	  	  	  	  	  	  	
0.800000

	
0.800000

	
0

	  
	
385

	  	  	  	  	  	  	  	
0.588235

	
0.588235

	
0

	  
	
386

	  	  	  	  	  	  	  	
0.608696

	
0.608696

	
0

	  
	
387

	  	  	  	  	  	  	  	
0.800000

	
0.729167

	
0

	  
	
388

	  	  	  	  	  	  	  	
0.753363

	
0.753363

	
0

	  
	
389

	  	  	  	  	  	  	  	
0.642781

	
0.642781

	
0

	  
	
390

	  	  	  	  	  	  	  	
0.800000

	
0.605750

	
0

	  
	
391

	  	  	  	  	  	  	  	
0.645161

	
0.645161

	
0

	  
	
392

	  	  	  	  	  	  	  	
0.438356

	
0.438356

	
0

	  
	
393

	  	  	  	  	  	  	  	
0.778704

	
0.428444

	
0

	  
	
394

	  	  	  	  	  	  	  	
0.539579

	
0.539579

	
0

	  
	
395

	  	  	  	  	  	  	  	
0.750400

	
0.750400

	
0

	  
	
396

	  	  	  	  	  	  	  	
0.654088

	
0.496855

	
0

	  
	
397

	  	  	  	  	  	  	  	
0.751772

	
0.628354

	
0

	  
	
398

	  	  	  	  	  	  	  	
0.732353

	
0.732353

	
0

	  
	
399

	  	  	  	  	  	  	  	
0.614286

	
0.376190

	
0

	  
	
400

	  	  	  	  	  	  	  	
0.670455

	
0.670455

	
0

	  
	
401

	  	  	  	  	  	  	  	
0.688584

	
0.688584

	
0

	  
	
402

	  	  	  	  	  	  	  	
0.800000

	
0.721569

	
0

	  
	
403

	  	  	  	  	  	  	  	
0.800000

	
0.800000

	
0

	  
	
404

	  	  	  	  	  	  	  	
0.687456

	
0.642485

	
0

	  
	
405

	  	  	  	  	  	  	  	
0.532881

	
0.465085

	
0

	  
	
406

	  	  	  	  	  	  	  	
0.800000

	
0.800000

	
0

	  
	
407

	  	  	  	  	  	  	  	
0.668083

	
0.530583

	
0

	  
	
408

	  	  	  	  	  	  	  	
0.712381

	
0.474286

	
0

	  
	
409

	  	  	  	  	  	  	  	
0.680000

	
0.680000

	
0

	  
	
410

	  	  	  	  	  	  	  	
0.621469

	
0.621469

	
0

	  
	
411

	  	  	  	  	  	  	  	
0.426087

	
0.426087

	
0

	  
	
412

	  	  	  	  	  	  	  	
0.732886

	
0.732886

	
0

	  
	
413

	  	  	  	  	  	  	  	
0.755274

	
0.755274

	
0

	  
	
414

	  	  	  	  	  	  	  	
0.712234

	
0.712234

	
0

	  
	
415

	  	  	  	  	  	  	  	
0.800000

	
0.800000

	
0

	  
	
416

	  	  	  	  	  	  	  	
0.561566

	
0.492600

	
0

	  
	
417

	  	  	  	  	  	  	  	
0.800000

	
0.800000

	
0

	  
	
418

	  	  	  	  	  	  	  	
0.800000

	
0.800000

	
0

	  
	
419

	  	  	  	  	  	  	  	
0.435897

	
0.435897

	
0

	  
	
420

	  	  	  	  	  	  	  	
0.784314

	
0.784314

	
0

	  
	
421

	  	  	  	  	  	  	  	
0.755682

	
0.755682

	
0

	  
	
422

	  	  	  	  	  	  	  	
0.523810

	
0.523810

	
0

	  
	
423

	  	  	  	  	  	  	  	
0.800000

	
0.800000

	
0

	  
	
424

	  	  	  	  	  	  	  	
0.700000

	
0.700000

	
0

	  
	
425

	  	  	  	  	  	  	  	
0.514045

	
0.514045

	
0

	  
	
426

	  	  	  	  	  	  	  	
0.800000

	
0.800000

	
0

	  
	
427

	  	  	  	  	  	  	  	
0.544785

	
0.544785

	
0

	  
	
428

	  	  	  	  	  	  	  	
0.791286

	
0.791286

	
0

	  
	
429

	  	  	  	  	  	  	  	
0.661290

	
0.661290

	
0

	  
	
430

	  	  	  	  	  	  	  	
0.706897

	
0.706897

	
0

	  
	
431

	  	  	  	  	  	  	  	
0.800000

	
0.800000

	
0

	  
	
432

	  	  	  	  	  	  	  	
0.800000

	
0.800000

	
0

	  
	
433

	  	  	  	  	  	  	  	
0.586471

	
0.586471

	
0

	  
	
434

	  	  	  	  	  	  	  	
0.784498

	
0.784498

	
0

	  
	
435

	  	  	  	  	  	  	  	
0.698495

	
0.698495

	
0

	  
	
436

	  	  	  	  	  	  	  	
0.800000

	
0.800000

	
0

	  
	
437

	  	  	  	  	  	  	  	
0.750000

	
0.750000

	
0

	  
	
438

	  	  	  	  	  	  	  	
0.665663

	
0.665663

	
0

	  
	
439

	  	  	  	  	  	  	  	
0.700000

	
0.700000

	
0

	  
	
440

	  	  	  	  	  	  	  	
0.798385

	
0.798385

	
0

	  
	
441

	  	  	  	  	  	  	  	
0.694776

	
0.694776

	
0

	  
	
442

	  	  	  	  	  	  	  	
0.800000

	
0.800000

	
0

	  
	
443

	  	  	  	  	  	  	  	
0.800000

	
0.800000

	
0

	  
	
444

	  	  	  	  	  	  	  	
0.800000

	
0.800000

	
0

	  
	
445

	  	  	  	  	  	  	  	
0.800000

	
0.800000

	
0

	  
	
446

	  	  	  	  	  	  	  	
0.625000

	
0.625000

	
0

	  
	
447

	  	  	  	  	  	  	  	
0.526315

	
0.526315

	
0

	  
	
448

	  	  	  	  	  	  	  	
0.800000

	
0.800000

	
0

	  
	
449

	  	  	  	  	  	  	  	
0.724514

	
0.724514

	
0

	  
	
450

	  	  	  	  	  	  	  	
0.769547

	
0.769547

	
0

	  
	
451

	  	  	  	  	  	  	  	
0.673918

	
0.673918

	
0

	  
	
452

	  	  	  	  	  	  	  	
0.800000

	
0.800000

	
0

	  
	
453

	  	  	  	  	  	  	  	
0.551866

	
0.551866

	
0

	  
	
454

	  	  	  	  	  	  	  	
0.548571

	
0.548571

	
0

	  
	
455

	  	  	  	  	  	  	  	
0.750000

	
0.750000

	
0

	  
	
456

	  	  	  	  	  	  	  	
0.800000

	
0.800000

	
0

	  
	
457

	  	  	
941100.00

	
7

	
20110817

	  	  	
0.358974

	
0.358974

	
0

	  
	
458

	  	  	  	  	  	  	  	
0.689531

	
0.689531

	
0

	  
	
459

	  	  	  	  	  	  	  	
0.500000

	
0.500000

	
0

	  
	
460

	  	  	  	  	  	  	  	
0.548857

	
0.329077

	
0

	  
	
461

	  	  	  	  	  	  	  	
0.270000

	
0.270000

	
0

	  
	
462

	  	  	  	  	  	  	  	
0.430108

	
0.430108

	
0

	  
	
463

	  	  	  	  	  	  	  	
0.650000

	
0.650000

	
0

	  
	
464

	  	  	  	  	  	  	  	
0.800000

	
0.800000

	
0

	  
	
465

	  	  	  	  	  	  	  	
0.666666

	
0.666666

	
0

	  
	
466

	  	  	  	  	  	  	  	
0.689394

	
0.689394

	
0

	  
	
467

	  	  	  	  	  	  	  	
0.500000

	
0.500000

	
0

	  
	
468

	  	  	  	  	  	  	  	
0.500000

	
0.500000

	
0

	  
	
469

	  	  	  	  	  	  	  	
0.732601

	
0.732601

	
0

	  
	
470

	  	  	  	  	  	  	  	
0.500000

	
0.500000

	
0

	  
	
471

	  	  	  	  	  	  	  	
0.400000

	
0.400000

	
0

	  
	
472

	  	  	  	  	  	  	  	
0.444444

	
0.444444

	
0

	  
	
473

	  	  	  	  	  	  	  	
0.646522

	
0.646522

	
0

	  

 

	
KEY

	
Mortgage Insurance

Percent

	
MI: Lender or

Borrower Paid?

	
Pool 

Insurance Co.

Name

	
Pool 

Insurance 

Stop

Loss %

	
MI Certificate

Number

	
Updated DTI

(Front-end)

	
Updated DTI

(Back-end)

	
Modification

Effective Payment

Date

	
Total Capitalized

Amount

	
Total Deferred

Amount

	
Pre-Modification

Interest (Note) Rate

	
1

	
0

	  	  	  	  	  	  	  	  	  	  
	
2

	
0

	  	  	  	  	  	  	  	  	  	  
	
3

	
0

	  	  	  	  	  	  	  	  	  	  
	
4

	
0

	  	  	  	  	  	  	  	  	  	  
	
5

	
0

	  	  	  	  	  	  	  	  	  	  
	
6

	
0

	  	  	  	  	  	  	  	  	  	  
	
7

	
0

	  	  	  	  	  	  	  	  	  	  
	
8

	
0

	  	  	  	  	  	  	  	  	  	  
	
9

	
0

	  	  	  	  	  	  	  	  	  	  
	
10

	
0

	  	  	  	  	  	  	  	  	  	  
	
11

	
0

	  	  	  	  	  	  	  	  	  	  
	
12

	
0

	  	  	  	  	  	  	  	  	  	  
	
13

	
0

	  	  	  	  	  	  	  	  	  	  
	
14

	
0

	  	  	  	  	  	  	  	  	  	  
	
15

	
0

	  	  	  	  	  	  	  	  	  	  
	
16

	
0

	  	  	  	  	  	  	  	  	  	  
	
17

	
0

	  	  	  	  	  	  	  	  	  	  
	
18

	
0

	  	  	  	  	  	  	  	  	  	  
	
19

	
0

	  	  	  	  	  	  	  	  	  	  
	
20

	
0

	  	  	  	  	  	  	  	  	  	  
	
21

	
0

	  	  	  	  	  	  	  	  	  	  
	
22

	
0

	  	  	  	  	  	  	  	  	  	  
	
23

	
0

	  	  	  	  	  	  	  	  	  	  
	
24

	
0

	  	  	  	  	  	  	  	  	  	  
	
25

	
0

	  	  	  	  	  	  	  	  	  	  
	
26

	
0

	  	  	  	  	  	  	  	  	  	  
	
27

	
0

	  	  	  	  	  	  	  	  	  	  
	
28

	
0

	  	  	  	  	  	  	  	  	  	  
	
29

	
0

	  	  	  	  	  	  	  	  	  	  
	
30

	
0

	  	  	  	  	  	  	  	  	  	  
	
31

	
0

	  	  	  	  	  	  	  	  	  	  
	
32

	
0

	  	  	  	  	  	  	  	  	  	  
	
33

	
0

	  	  	  	  	  	  	  	  	  	  
	
34

	
0

	  	  	  	  	  	  	  	  	  	  
	
35

	
0

	  	  	  	  	  	  	  	  	  	  
	
36

	
0

	  	  	  	  	  	  	  	  	  	  
	
37

	
0

	  	  	  	  	  	  	  	  	  	  
	
38

	
0

	  	  	  	  	  	  	  	  	  	  
	
39

	
0

	  	  	  	  	  	  	  	  	  	  
	
40

	
0

	  	  	  	  	  	  	  	  	  	  
	
41

	
0

	  	  	  	  	  	  	  	  	  	  
	
42

	
0

	  	  	  	  	  	  	  	  	  	  
	
43

	
0

	  	  	  	  	  	  	  	  	  	  
	
44

	
0

	  	  	  	  	  	  	  	  	  	  
	
45

	
0

	  	  	  	  	  	  	  	  	  	  
	
46

	
0

	  	  	  	  	  	  	  	  	  	  
	
47

	
0

	  	  	  	  	  	  	  	  	  	  
	
48

	
0

	  	  	  	  	  	  	  	  	  	  
	
49

	
0

	  	  	  	  	  	  	  	  	  	  
	
50

	
0

	  	  	  	  	  	  	  	  	  	  
	
51

	
0

	  	  	  	  	  	  	  	  	  	  
	
52

	
0

	  	  	  	  	  	  	  	  	  	  
	
53

	
0

	  	  	  	  	  	  	  	  	  	  
	
54

	
0

	  	  	  	  	  	  	  	  	  	  
	
55

	
0

	  	  	  	  	  	  	  	  	  	  
	
56

	
0

	  	  	  	  	  	  	  	  	  	  
	
57

	
0

	  	  	  	  	  	  	  	  	  	  
	
58

	
0

	  	  	  	  	  	  	  	  	  	  
	
59

	
0

	  	  	  	  	  	  	  	  	  	  
	
60

	
0

	  	  	  	  	  	  	  	  	  	  
	
61

	
0

	  	  	  	  	  	  	  	  	  	  
	
62

	
0

	  	  	  	  	  	  	  	  	  	  
	
63

	
0

	  	  	  	  	  	  	  	  	  	  
	
64

	
0

	  	  	  	  	  	  	  	  	  	  
	
65

	
0

	  	  	  	  	  	  	  	  	  	  
	
66

	
0

	  	  	  	  	  	  	  	  	  	  
	
67

	
0

	  	  	  	  	  	  	  	  	  	  
	
68

	
0

	  	  	  	  	  	  	  	  	  	  
	
69

	
0

	  	  	  	  	  	  	  	  	  	  
	
70

	
0

	  	  	  	  	  	  	  	  	  	  
	
71

	
0

	  	  	  	  	  	  	  	  	  	  
	
72

	
0

	  	  	  	  	  	  	  	  	  	  
	
73

	
0

	  	  	  	  	  	  	  	  	  	  
	
74

	
0

	  	  	  	  	  	  	  	  	  	  
	
75

	
0

	  	  	  	  	  	  	  	  	  	  
	
76

	
0

	  	  	  	  	  	  	  	  	  	  
	
77

	
0

	  	  	  	  	  	  	  	  	  	  
	
78

	
0

	  	  	  	  	  	  	  	  	  	  
	
79

	
0

	  	  	  	  	  	  	  	  	  	  
	
80

	
0

	  	  	  	  	  	  	  	  	  	  
	
81

	
0

	  	  	  	  	  	  	  	  	  	  
	
82

	
0

	  	  	  	  	  	  	  	  	  	  
	
83

	
0

	  	  	  	  	  	  	  	  	  	  
	
84

	
0

	  	  	  	  	  	  	  	  	  	  
	
85

	
0

	  	  	  	  	  	  	  	  	  	  
	
86

	
0

	  	  	  	  	  	  	  	  	  	  
	
87

	
0

	  	  	  	  	  	  	  	  	  	  
	
88

	
0

	  	  	  	  	  	  	  	  	  	  
	
89

	
0

	  	  	  	  	  	  	  	  	  	  
	
90

	
0

	  	  	  	  	  	  	  	  	  	  
	
91

	
0

	  	  	  	  	  	  	  	  	  	  
	
92

	
0

	  	  	  	  	  	  	  	  	  	  
	
93

	
0

	  	  	  	  	  	  	  	  	  	  
	
94

	
0

	  	  	  	  	  	  	  	  	  	  
	
95

	
0

	  	  	  	  	  	  	  	  	  	  
	
96

	
0

	  	  	  	  	  	  	  	  	  	  
	
97

	
0

	  	  	  	  	  	  	  	  	  	  
	
98

	
0

	  	  	  	  	  	  	  	  	  	  
	
99

	
0

	  	  	  	  	  	  	  	  	  	  
	
100

	
0

	  	  	  	  	  	  	  	  	  	  
	
101

	
0

	  	  	  	  	  	  	  	  	  	  
	
102

	
0

	  	  	  	  	  	  	  	  	  	  
	
103

	
0

	  	  	  	  	  	  	  	  	  	  
	
104

	
0

	  	  	  	  	  	  	  	  	  	  
	
105

	
0

	  	  	  	  	  	  	  	  	  	  
	
106

	
0

	  	  	  	  	  	  	  	  	  	  
	
107

	
0

	  	  	  	  	  	  	  	  	  	  
	
108

	
0

	  	  	  	  	  	  	  	  	  	  
	
109

	
0

	  	  	  	  	  	  	  	  	  	  
	
110

	
0

	  	  	  	  	  	  	  	  	  	  
	
111

	
0

	  	  	  	  	  	  	  	  	  	  
	
112

	
0

	  	  	  	  	  	  	  	  	  	  
	
113

	
0

	  	  	  	  	  	  	  	  	  	  
	
114

	
0

	  	  	  	  	  	  	  	  	  	  
	
115

	
0

	  	  	  	  	  	  	  	  	  	  
	
116

	
0

	  	  	  	  	  	  	  	  	  	  
	
117

	
0

	  	  	  	  	  	  	  	  	  	  
	
118

	
0

	  	  	  	  	  	  	  	  	  	  
	
119

	
0

	  	  	  	  	  	  	  	  	  	  
	
120

	
0

	  	  	  	  	  	  	  	  	  	  
	
121

	
0

	  	  	  	  	  	  	  	  	  	  
	
122

	
0

	  	  	  	  	  	  	  	  	  	  
	
123

	
0

	  	  	  	  	  	  	  	  	  	  
	
124

	
0

	  	  	  	  	  	  	  	  	  	  
	
125

	
0

	  	  	  	  	  	  	  	  	  	  
	
126

	
0

	  	  	  	  	  	  	  	  	  	  
	
127

	
0

	  	  	  	  	  	  	  	  	  	  
	
128

	
0

	  	  	  	  	  	  	  	  	  	  
	
129

	
0

	  	  	  	  	  	  	  	  	  	  
	
130

	
0

	  	  	  	  	  	  	  	  	  	  
	
131

	
0

	  	  	  	  	  	  	  	  	  	  
	
132

	
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0

	  	  	  	  	  	  	  	  	  	  
	
434

	
0

	  	  	  	  	  	  	  	  	  	  
	
435

	
0

	  	  	  	  	  	  	  	  	  	  
	
436

	
0

	  	  	  	  	  	  	  	  	  	  
	
437

	
0

	  	  	  	  	  	  	  	  	  	  
	
438

	
0

	  	  	  	  	  	  	  	  	  	  
	
439

	
0

	  	  	  	  	  	  	  	  	  	  
	
440

	
0

	  	  	  	  	  	  	  	  	  	  
	
441

	
0

	  	  	  	  	  	  	  	  	  	  
	
442

	
0

	  	  	  	  	  	  	  	  	  	  
	
443

	
0

	  	  	  	  	  	  	  	  	  	  
	
444

	
0

	  	  	  	  	  	  	  	  	  	  
	
445

	
0

	  	  	  	  	  	  	  	  	  	  
	
446

	
0

	  	  	  	  	  	  	  	  	  	  
	
447

	
0

	  	  	  	  	  	  	  	  	  	  
	
448

	
0

	  	  	  	  	  	  	  	  	  	  
	
449

	
0

	  	  	  	  	  	  	  	  	  	  
	
450

	
0

	  	  	  	  	  	  	  	  	  	  
	
451

	
0

	  	  	  	  	  	  	  	  	  	  
	
452

	
0

	  	  	  	  	  	  	  	  	  	  
	
453

	
0

	  	  	  	  	  	  	  	  	  	  
	
454

	
0

	  	  	  	  	  	  	  	  	  	  
	
455

	
0

	  	  	  	  	  	  	  	  	  	  
	
456

	
0

	  	  	  	  	  	  	  	  	  	  
	
457

	
0

	  	  	  	  	  	  	  	  	  	  
	
458

	
0

	  	  	  	  	  	  	  	  	  	  
	
459

	
0

	  	  	  	  	  	  	  	  	  	  
	
460

	
0

	  	  	  	  	  	  	  	  	  	  
	
461

	
0

	  	  	  	  	  	  	  	  	  	  
	
462

	
0

	  	  	  	  	  	  	  	  	  	  
	
463

	
0

	  	  	  	  	  	  	  	  	  	  
	
464

	
0

	  	  	  	  	  	  	  	  	  	  
	
465

	
0

	  	  	  	  	  	  	  	  	  	  
	
466

	
0

	  	  	  	  	  	  	  	  	  	  
	
467

	
0

	  	  	  	  	  	  	  	  	  	  
	
468

	
0

	  	  	  	  	  	  	  	  	  	  
	
469

	
0

	  	  	  	  	  	  	  	  	  	  
	
470

	
0

	  	  	  	  	  	  	  	  	  	  
	
471

	
0

	  	  	  	  	  	  	  	  	  	  
	
472

	
0

	  	  	  	  	  	  	  	  	  	  
	
473

	
0

	  	  	  	  	  	  	  	  	  	  

 

	
KEY

	
Pre-Modification P&I

Payment

	
Pre-Modification

Initial Interest Rate

Change Downward

Cap

	
Pre-Modification

Subsequent Interest

Rate Cap

	
Pre-Modification

Next Interest Rate

Change Date

	
Pre-Modification I/O

Term

	
Forgiven Principal

Amount

	
Forgiven Interest

Amount

	
Number of

Modifications

	
Cash To/From Brrw at Closing

	
Brrw - Yrs at in Industry

	
1

	  	  	  	  	  	  	  	  	  	
14

	
2

	  	  	  	  	  	  	  	  	  	
0

	
3

	  	  	  	  	  	  	  	  	  	
8

	
4

	  	  	  	  	  	  	  	  	  	
20

	
5

	  	  	  	  	  	  	  	  	  	
0

	
6

	  	  	  	  	  	  	  	  	  	
10

	
7

	  	  	  	  	  	  	  	  	  	
21

	
8

	  	  	  	  	  	  	  	  	  	
9

	
9

	  	  	  	  	  	  	  	  	  	
7

	
10

	  	  	  	  	  	  	  	  	  	
30

	
11

	  	  	  	  	  	  	  	  	  	
10

	
12

	  	  	  	  	  	  	  	  	  	
35

	
13

	  	  	  	  	  	  	  	  	  	
34

	
14

	  	  	  	  	  	  	  	  	  	
20

	
15

	  	  	  	  	  	  	  	  	  	
21

	
16

	  	  	  	  	  	  	  	  	  	
4

	
17

	  	  	  	  	  	  	  	  	  	
11

	
18

	  	  	  	  	  	  	  	  	  	
16

	
19

	  	  	  	  	  	  	  	  	  	
2

	
20

	  	  	  	  	  	  	  	  	  	
20

	
21

	  	  	  	  	  	  	  	  	  	
0

	
22

	  	  	  	  	  	  	  	  	  	
13

	
23

	  	  	  	  	  	  	  	  	  	
8

	
24

	  	  	  	  	  	  	  	  	  	
11

	
25

	  	  	  	  	  	  	  	  	  	
9

	
26

	  	  	  	  	  	  	  	  	  	
2

	
27

	  	  	  	  	  	  	  	  	  	
7

	
28

	  	  	  	  	  	  	  	  	  	
13

	
29

	  	  	  	  	  	  	  	  	  	
20

	
30

	  	  	  	  	  	  	  	  	  	
12

	
31

	  	  	  	  	  	  	  	  	  	
18

	
32

	  	  	  	  	  	  	  	  	  	
39

	
33

	  	  	  	  	  	  	  	  	  	
30

	
34

	  	  	  	  	  	  	  	  	  	
12

	
35

	  	  	  	  	  	  	  	  	  	
7

	
36

	  	  	  	  	  	  	  	  	  	
16

	
37

	  	  	  	  	  	  	  	  	  	
12

	
38

	  	  	  	  	  	  	  	  	  	
7

	
39

	  	  	  	  	  	  	  	  	  	
15

	
40

	  	  	  	  	  	  	  	  	  	
7

	
41

	  	  	  	  	  	  	  	  	  	
0

	
42

	  	  	  	  	  	  	  	  	  	
30

	
43

	  	  	  	  	  	  	  	  	  	
27

	
44

	  	  	  	  	  	  	  	  	  	
26

	
45

	  	  	  	  	  	  	  	  	  	
0

	
46

	  	  	  	  	  	  	  	  	  	
10

	
47

	  	  	  	  	  	  	  	  	  	
12

	
48

	  	  	  	  	  	  	  	  	  	
17

	
49

	  	  	  	  	  	  	  	  	  	
7

	
50

	  	  	  	  	  	  	  	  	  	
0

	
51

	  	  	  	  	  	  	  	  	  	
37

	
52

	  	  	  	  	  	  	  	  	  	
41

	
53

	  	  	  	  	  	  	  	  	  	
4

	
54

	  	  	  	  	  	  	  	  	  	
14

	
55

	  	  	  	  	  	  	  	  	  	
7

	
56

	  	  	  	  	  	  	  	  	  	
17

	
57

	  	  	  	  	  	  	  	  	  	
34

	
58

	  	  	  	  	  	  	  	  	  	
20

	
59

	  	  	  	  	  	  	  	  	  	
35

	
60

	  	  	  	  	  	  	  	  	  	
1

	
61

	  	  	  	  	  	  	  	  	  	
10

	
62

	  	  	  	  	  	  	  	  	  	
15

	
63

	  	  	  	  	  	  	  	  	  	
23

	
64

	  	  	  	  	  	  	  	  	  	
5

	
65

	  	  	  	  	  	  	  	  	  	
35

	
66

	  	  	  	  	  	  	  	  	  	
0

	
67

	  	  	  	  	  	  	  	  	  	
1

	
68

	  	  	  	  	  	  	  	  	  	
0

	
69

	  	  	  	  	  	  	  	  	  	
16

	
70

	  	  	  	  	  	  	  	  	  	
31

	
71

	  	  	  	  	  	  	  	  	  	
35

	
72

	  	  	  	  	  	  	  	  	  	
20

	
73

	  	  	  	  	  	  	  	  	  	
39

	
74

	  	  	  	  	  	  	  	  	  	
16

	
75

	  	  	  	  	  	  	  	  	  	
10

	
76

	  	  	  	  	  	  	  	  	  	
15

	
77

	  	  	  	  	  	  	  	  	  	
22

	
78

	  	  	  	  	  	  	  	  	  	
22

	
79

	  	  	  	  	  	  	  	  	  	
25

	
80

	  	  	  	  	  	  	  	  	  	
0

	
81

	  	  	  	  	  	  	  	  	  	
27

	
82

	  	  	  	  	  	  	  	  	  	
28

	
83

	  	  	  	  	  	  	  	  	  	
24

	
84

	  	  	  	  	  	  	  	  	  	
15

	
85

	  	  	  	  	  	  	  	  	  	
9

	
86

	  	  	  	  	  	  	  	  	  	
20

	
87

	  	  	  	  	  	  	  	  	  	
15

	
88

	  	  	  	  	  	  	  	  	  	
27

	
89

	  	  	  	  	  	  	  	  	  	
16

	
90

	  	  	  	  	  	  	  	  	  	
20

	
91

	  	  	  	  	  	  	  	  	  	
4

	
92

	  	  	  	  	  	  	  	  	  	
18

	
93

	  	  	  	  	  	  	  	  	  	
19

	
94

	  	  	  	  	  	  	  	  	  	
20

	
95

	  	  	  	  	  	  	  	  	  	
17

	
96

	  	  	  	  	  	  	  	  	  	
5

	
97

	  	  	  	  	  	  	  	  	  	
36

	
98

	  	  	  	  	  	  	  	  	  	
13

	
99

	  	  	  	  	  	  	  	  	  	
15

	
100

	  	  	  	  	  	  	  	  	  	
15

	
101

	  	  	  	  	  	  	  	  	  	
27

	
102

	  	  	  	  	  	  	  	  	  	
5

	
103

	  	  	  	  	  	  	  	  	  	
21

	
104

	  	  	  	  	  	  	  	  	  	
8

	
105

	  	  	  	  	  	  	  	  	  	
24

	
106

	  	  	  	  	  	  	  	  	  	
11

	
107

	  	  	  	  	  	  	  	  	  	
15

	
108

	  	  	  	  	  	  	  	  	  	
26

	
109

	  	  	  	  	  	  	  	  	  	
15

	
110

	  	  	  	  	  	  	  	  	  	
10

	
111

	  	  	  	  	  	  	  	  	  	
20

	
112

	  	  	  	  	  	  	  	  	  	
13

	
113

	  	  	  	  	  	  	  	  	  	
4

	
114

	  	  	  	  	  	  	  	  	  	
5

	
115

	  	  	  	  	  	  	  	  	  	
21

	
116

	  	  	  	  	  	  	  	  	  	
27

	
117

	  	  	  	  	  	  	  	  	  	
43

	
118

	  	  	  	  	  	  	  	  	  	
3

	
119

	  	  	  	  	  	  	  	  	  	
3

	
120

	  	  	  	  	  	  	  	  	  	
20

	
121

	  	  	  	  	  	  	  	  	  	
40

	
122

	  	  	  	  	  	  	  	  	  	
34

	
123

	  	  	  	  	  	  	  	  	  	
12

	
124

	  	  	  	  	  	  	  	  	  	
20

	
125

	  	  	  	  	  	  	  	  	  	
23

	
126

	  	  	  	  	  	  	  	  	  	
6

	
127

	  	  	  	  	  	  	  	  	  	
0

	
128

	  	  	  	  	  	  	  	  	  	
3

	
129

	  	  	  	  	  	  	  	  	  	
0

	
130

	  	  	  	  	  	  	  	  	  	
31

	
131

	  	  	  	  	  	  	  	  	  	
25

	
132

	  	  	  	  	  	  	  	  	  	
10

	
133

	  	  	  	  	  	  	  	  	  	
15

	
134

	  	  	  	  	  	  	  	  	  	
19

	
135

	  	  	  	  	  	  	  	  	  	
13

	
136

	  	  	  	  	  	  	  	  	  	
10

	
137

	  	  	  	  	  	  	  	  	  	
20

	
138

	  	  	  	  	  	  	  	  	  	
14

	
139

	  	  	  	  	  	  	  	  	  	
7

	
140

	  	  	  	  	  	  	  	  	  	
27

	
141

	  	  	  	  	  	  	  	  	  	
18

	
142

	  	  	  	  	  	  	  	  	  	
23

	
143

	  	  	  	  	  	  	  	  	  	
8

	
144

	  	  	  	  	  	  	  	  	  	
10

	
145

	  	  	  	  	  	  	  	  	  	
3

	
146

	  	  	  	  	  	  	  	  	  	
11

	
147

	  	  	  	  	  	  	  	  	  	
20

	
148

	  	  	  	  	  	  	  	  	  	
10

	
149

	  	  	  	  	  	  	  	  	  	
14

	
150

	  	  	  	  	  	  	  	  	  	
15

	
151

	  	  	  	  	  	  	  	  	  	
30

	
152

	  	  	  	  	  	  	  	  	  	
10

	
153

	  	  	  	  	  	  	  	  	  	
8

	
154

	  	  	  	  	  	  	  	  	  	
23

	
155

	  	  	  	  	  	  	  	  	  	
15

	
156

	  	  	  	  	  	  	  	  	  	
15

	
157

	  	  	  	  	  	  	  	  	  	
14

	
158

	  	  	  	  	  	  	  	  	  	
10

	
159

	  	  	  	  	  	  	  	  	  	
4

	
160

	  	  	  	  	  	  	  	  	  	
7

	
161

	  	  	  	  	  	  	  	  	  	
5

	
162

	  	  	  	  	  	  	  	  	  	
20

	
163

	  	  	  	  	  	  	  	  	  	
11

	
164

	  	  	  	  	  	  	  	  	  	
12

	
165

	  	  	  	  	  	  	  	  	  	
2

	
166

	  	  	  	  	  	  	  	  	  	
38

	
167

	  	  	  	  	  	  	  	  	  	
8

	
168

	  	  	  	  	  	  	  	  	  	
10

	
169

	  	  	  	  	  	  	  	  	  	
0

	
170

	  	  	  	  	  	  	  	  	  	
20

	
171

	  	  	  	  	  	  	  	  	  	
10

	
172

	  	  	  	  	  	  	  	  	  	
0

	
173

	  	  	  	  	  	  	  	  	  	
14

	
174

	  	  	  	  	  	  	  	  	  	
25

	
175

	  	  	  	  	  	  	  	  	  	
25

	
176

	  	  	  	  	  	  	  	  	  	
28

	
177

	  	  	  	  	  	  	  	  	  	
40

	
178

	  	  	  	  	  	  	  	  	  	
40

	
179

	  	  	  	  	  	  	  	  	  	
30

	
180

	  	  	  	  	  	  	  	  	  	
35

	
181

	  	  	  	  	  	  	  	  	  	
12

	
182

	  	  	  	  	  	  	  	  	  	
12

	
183

	  	  	  	  	  	  	  	  	  	
11

	
184

	  	  	  	  	  	  	  	  	  	
32

	
185

	  	  	  	  	  	  	  	  	  	
4

	
186

	  	  	  	  	  	  	  	  	  	
2

	
187

	  	  	  	  	  	  	  	  	  	
15

	
188

	  	  	  	  	  	  	  	  	  	
19

	
189

	  	  	  	  	  	  	  	  	  	
18

	
190

	  	  	  	  	  	  	  	  	  	
0

	
191

	  	  	  	  	  	  	  	  	  	
1

	
192

	  	  	  	  	  	  	  	  	  	
19

	
193

	  	  	  	  	  	  	  	  	  	
14

	
194

	  	  	  	  	  	  	  	  	  	
10

	
195

	  	  	  	  	  	  	  	  	  	
10

	
196

	  	  	  	  	  	  	  	  	  	
27

	
197

	  	  	  	  	  	  	  	  	  	
15

	
198

	  	  	  	  	  	  	  	  	  	
10

	
199

	  	  	  	  	  	  	  	  	  	
25

	
200

	  	  	  	  	  	  	  	  	  	
22

	
201

	  	  	  	  	  	  	  	  	  	
4

	
202

	  	  	  	  	  	  	  	  	  	
18

	
203

	  	  	  	  	  	  	  	  	  	
20

	
204

	  	  	  	  	  	  	  	  	  	
0

	
205

	  	  	  	  	  	  	  	  	  	
4

	
206

	  	  	  	  	  	  	  	  	  	
5

	
207

	  	  	  	  	  	  	  	  	  	
21

	
208

	  	  	  	  	  	  	  	  	  	
0

	
209

	  	  	  	  	  	  	  	  	  	
12

	
210

	  	  	  	  	  	  	  	  	  	
5

	
211

	  	  	  	  	  	  	  	  	  	
13

	
212

	  	  	  	  	  	  	  	  	  	
40

	
213

	  	  	  	  	  	  	  	  	  	
35

	
214

	  	  	  	  	  	  	  	  	  	
25

	
215

	  	  	  	  	  	  	  	  	  	
16

	
216

	  	  	  	  	  	  	  	  	  	
36

	
217

	  	  	  	  	  	  	  	  	  	
16

	
218

	  	  	  	  	  	  	  	  	  	
25

	
219

	  	  	  	  	  	  	  	  	  	
6

	
220

	  	  	  	  	  	  	  	  	  	
9

	
221

	  	  	  	  	  	  	  	  	  	
24

	
222

	  	  	  	  	  	  	  	  	  	
17

	
223

	  	  	  	  	  	  	  	  	  	
20

	
224

	  	  	  	  	  	  	  	  	  	
16

	
225

	  	  	  	  	  	  	  	  	  	
10

	
226

	  	  	  	  	  	  	  	  	  	
19

	
227

	  	  	  	  	  	  	  	  	  	
20

	
228

	  	  	  	  	  	  	  	  	  	
10

	
229

	  	  	  	  	  	  	  	  	  	
13

	
230

	  	  	  	  	  	  	  	  	  	
4

	
231

	  	  	  	  	  	  	  	  	  	
13

	
232

	  	  	  	  	  	  	  	  	  	
11

	
233

	  	  	  	  	  	  	  	  	  	
3

	
234

	  	  	  	  	  	  	  	  	  	
26

	
235

	  	  	  	  	  	  	  	  	  	
5

	
236

	  	  	  	  	  	  	  	  	  	
7

	
237

	  	  	  	  	  	  	  	  	  	
4

	
238

	  	  	  	  	  	  	  	  	  	
4

	
239

	  	  	  	  	  	  	  	  	  	
8

	
240

	  	  	  	  	  	  	  	  	  	
30

	
241

	  	  	  	  	  	  	  	  	  	
30

	
242

	  	  	  	  	  	  	  	  	  	
18

	
243

	  	  	  	  	  	  	  	  	  	
8

	
244

	  	  	  	  	  	  	  	  	  	
15

	
245

	  	  	  	  	  	  	  	  	  	
9

	
246

	  	  	  	  	  	  	  	  	  	
15

	
247

	  	  	  	  	  	  	  	  	  	
23

	
248

	  	  	  	  	  	  	  	  	  	
4

	
249

	  	  	  	  	  	  	  	  	  	
15

	
250

	  	  	  	  	  	  	  	  	  	
0

	
251

	  	  	  	  	  	  	  	  	  	
21

	
252

	  	  	  	  	  	  	  	  	  	
8

	
253

	  	  	  	  	  	  	  	  	  	
12

	
254

	  	  	  	  	  	  	  	  	  	
28

	
255

	  	  	  	  	  	  	  	  	  	
10

	
256

	  	  	  	  	  	  	  	  	  	
20

	
257

	  	  	  	  	  	  	  	  	  	
0

	
258

	  	  	  	  	  	  	  	  	  	
10

	
259

	  	  	  	  	  	  	  	  	  	
10

	
260

	  	  	  	  	  	  	  	  	  	
20

	
261

	  	  	  	  	  	  	  	  	  	
13

	
262

	  	  	  	  	  	  	  	  	  	
24

	
263

	  	  	  	  	  	  	  	  	  	
16

	
264

	  	  	  	  	  	  	  	  	  	
15

	
265

	  	  	  	  	  	  	  	  	  	
20

	
266

	  	  	  	  	  	  	  	  	  	
8

	
267

	  	  	  	  	  	  	  	  	  	
10

	
268

	  	  	  	  	  	  	  	  	  	
24

	
269

	  	  	  	  	  	  	  	  	  	
15

	
270

	  	  	  	  	  	  	  	  	  	
20

	
271

	  	  	  	  	  	  	  	  	  	
12

	
272

	  	  	  	  	  	  	  	  	  	
24

	
273

	  	  	  	  	  	  	  	  	  	
2

	
274

	  	  	  	  	  	  	  	  	  	
15

	
275

	  	  	  	  	  	  	  	  	  	
18

	
276

	  	  	  	  	  	  	  	  	  	
55

	
277

	  	  	  	  	  	  	  	  	  	
8

	
278

	  	  	  	  	  	  	  	  	  	
15

	
279

	  	  	  	  	  	  	  	  	  	
11

	
280

	  	  	  	  	  	  	  	  	  	
10

	
281

	  	  	  	  	  	  	  	  	  	
8

	
282

	  	  	  	  	  	  	  	  	  	
4

	
283

	  	  	  	  	  	  	  	  	  	
13

	
284

	  	  	  	  	  	  	  	  	  	
10

	
285

	  	  	  	  	  	  	  	  	  	
21

	
286

	  	  	  	  	  	  	  	  	  	
25

	
287

	  	  	  	  	  	  	  	  	  	
34

	
288

	  	  	  	  	  	  	  	  	  	
10

	
289

	  	  	  	  	  	  	  	  	  	
0

	
290

	  	  	  	  	  	  	  	  	  	
10

	
291

	  	  	  	  	  	  	  	  	  	
30

	
292

	  	  	  	  	  	  	  	  	  	
9

	
293

	  	  	  	  	  	  	  	  	  	
3

	
294

	  	  	  	  	  	  	  	  	  	
15

	
295

	  	  	  	  	  	  	  	  	  	
13

	
296

	  	  	  	  	  	  	  	  	  	
23

	
297

	  	  	  	  	  	  	  	  	  	
7

	
298

	  	  	  	  	  	  	  	  	  	
30

	
299

	  	  	  	  	  	  	  	  	  	
6

	
300

	  	  	  	  	  	  	  	  	  	
20

	
301

	  	  	  	  	  	  	  	  	  	
14

	
302

	  	  	  	  	  	  	  	  	  	
10

	
303

	  	  	  	  	  	  	  	  	  	
4

	
304

	  	  	  	  	  	  	  	  	  	
16

	
305

	  	  	  	  	  	  	  	  	  	
2

	
306

	  	  	  	  	  	  	  	  	  	
4

	
307

	  	  	  	  	  	  	  	  	  	
30

	
308

	  	  	  	  	  	  	  	  	  	
19

	
309

	  	  	  	  	  	  	  	  	  	
29

	
310

	  	  	  	  	  	  	  	  	  	
29

	
311

	  	  	  	  	  	  	  	  	  	
17

	
312

	  	  	  	  	  	  	  	  	  	
20

	
313

	  	  	  	  	  	  	  	  	  	
35

	
314

	  	  	  	  	  	  	  	  	  	
25

	
315

	  	  	  	  	  	  	  	  	  	
3

	
316

	  	  	  	  	  	  	  	  	  	
13

	
317

	  	  	  	  	  	  	  	  	  	
35

	
318

	  	  	  	  	  	  	  	  	  	
5

	
319

	  	  	  	  	  	  	  	  	  	
12

	
320

	  	  	  	  	  	  	  	  	  	
4

	
321

	  	  	  	  	  	  	  	  	  	
10

	
322

	  	  	  	  	  	  	  	  	  	
22

	
323

	  	  	  	  	  	  	  	  	  	
11

	
324

	  	  	  	  	  	  	  	  	  	
16

	
325

	  	  	  	  	  	  	  	  	  	
17

	
326

	  	  	  	  	  	  	  	  	  	
18

	
327

	  	  	  	  	  	  	  	  	  	
0

	
328

	  	  	  	  	  	  	  	  	  	
25

	
329

	  	  	  	  	  	  	  	  	  	
14

	
330

	  	  	  	  	  	  	  	  	  	
16

	
331

	  	  	  	  	  	  	  	  	  	
0

	
332

	  	  	  	  	  	  	  	  	  	
11

	
333

	  	  	  	  	  	  	  	  	  	
11

	
334

	  	  	  	  	  	  	  	  	  	
8

	
335

	  	  	  	  	  	  	  	  	  	
6

	
336

	  	  	  	  	  	  	  	  	  	
9

	
337

	  	  	  	  	  	  	  	  	  	
9

	
338

	  	  	  	  	  	  	  	  	  	
10

	
339

	  	  	  	  	  	  	  	  	  	
7

	
340

	  	  	  	  	  	  	  	  	  	
12

	
341

	  	  	  	  	  	  	  	  	  	
29

	
342

	  	  	  	  	  	  	  	  	  	
12

	
343

	  	  	  	  	  	  	  	  	  	
19

	
344

	  	  	  	  	  	  	  	  	  	
13

	
345

	  	  	  	  	  	  	  	  	  	
20

	
346

	  	  	  	  	  	  	  	  	  	
20

	
347

	  	  	  	  	  	  	  	  	  	
10

	
348

	  	  	  	  	  	  	  	  	  	
12

	
349

	  	  	  	  	  	  	  	  	  	
24

	
350

	  	  	  	  	  	  	  	  	  	
29

	
351

	  	  	  	  	  	  	  	  	  	
14

	
352

	  	  	  	  	  	  	  	  	  	
32

	
353

	  	  	  	  	  	  	  	  	  	
11

	
354

	  	  	  	  	  	  	  	  	  	
10

	
355

	  	  	  	  	  	  	  	  	  	
14

	
356

	  	  	  	  	  	  	  	  	  	
27

	
357

	  	  	  	  	  	  	  	  	  	
27

	
358

	  	  	  	  	  	  	  	  	  	
14

	
359

	  	  	  	  	  	  	  	  	  	
13

	
360

	  	  	  	  	  	  	  	  	  	
16

	
361

	  	  	  	  	  	  	  	  	  	
25

	
362

	  	  	  	  	  	  	  	  	  	
7

	
363

	  	  	  	  	  	  	  	  	  	
20

	
364

	  	  	  	  	  	  	  	  	  	
9

	
365

	  	  	  	  	  	  	  	  	  	
0

	
366

	  	  	  	  	  	  	  	  	  	
3

	
367

	  	  	  	  	  	  	  	  	  	
15

	
368

	  	  	  	  	  	  	  	  	  	
12

	
369

	  	  	  	  	  	  	  	  	  	
38

	
370

	  	  	  	  	  	  	  	  	  	
30

	
371

	  	  	  	  	  	  	  	  	  	
30

	
372

	  	  	  	  	  	  	  	  	  	
25

	
373

	  	  	  	  	  	  	  	  	  	
9

	
374

	  	  	  	  	  	  	  	  	  	
0

	
375

	  	  	  	  	  	  	  	  	  	
9

	
376

	  	  	  	  	  	  	  	  	  	
4

	
377

	  	  	  	  	  	  	  	  	  	
7

	
378

	  	  	  	  	  	  	  	  	  	
26

	
379

	  	  	  	  	  	  	  	  	  	
7

	
380

	  	  	  	  	  	  	  	  	  	
38

	
381

	  	  	  	  	  	  	  	  	  	
13

	
382

	  	  	  	  	  	  	  	  	  	
21

	
383

	  	  	  	  	  	  	  	  	  	
6

	
384

	  	  	  	  	  	  	  	  	  	
35

	
385

	  	  	  	  	  	  	  	  	  	
20

	
386

	  	  	  	  	  	  	  	  	  	
1

	
387

	  	  	  	  	  	  	  	  	  	
25

	
388

	  	  	  	  	  	  	  	  	  	
19

	
389

	  	  	  	  	  	  	  	  	  	
4

	
390

	  	  	  	  	  	  	  	  	  	
12

	
391

	  	  	  	  	  	  	  	  	  	
5

	
392

	  	  	  	  	  	  	  	  	  	
20

	
393

	  	  	  	  	  	  	  	  	  	
20

	
394

	  	  	  	  	  	  	  	  	  	
25

	
395

	  	  	  	  	  	  	  	  	  	
27

	
396

	  	  	  	  	  	  	  	  	  	
38

	
397

	  	  	  	  	  	  	  	  	  	
24

	
398

	  	  	  	  	  	  	  	  	  	
14

	
399

	  	  	  	  	  	  	  	  	  	
30

	
400

	  	  	  	  	  	  	  	  	  	
16

	
401

	  	  	  	  	  	  	  	  	  	
21

	
402

	  	  	  	  	  	  	  	  	  	
25

	
403

	  	  	  	  	  	  	  	  	  	
10

	
404

	  	  	  	  	  	  	  	  	  	
18

	
405

	  	  	  	  	  	  	  	  	  	
13

	
406

	  	  	  	  	  	  	  	  	  	
18

	
407

	  	  	  	  	  	  	  	  	  	
20

	
408

	  	  	  	  	  	  	  	  	  	
18

	
409

	  	  	  	  	  	  	  	  	  	
5

	
410

	  	  	  	  	  	  	  	  	  	
9

	
411

	  	  	  	  	  	  	  	  	  	
15

	
412

	  	  	  	  	  	  	  	  	  	
26

	
413

	  	  	  	  	  	  	  	  	  	
11

	
414

	  	  	  	  	  	  	  	  	  	
14

	
415

	  	  	  	  	  	  	  	  	  	
19

	
416

	  	  	  	  	  	  	  	  	  	
29

	
417

	  	  	  	  	  	  	  	  	  	
16

	
418

	  	  	  	  	  	  	  	  	  	
30

	
419

	  	  	  	  	  	  	  	  	  	
12

	
420

	  	  	  	  	  	  	  	  	  	
2

	
421

	  	  	  	  	  	  	  	  	  	
0

	
422

	  	  	  	  	  	  	  	  	  	
24

	
423

	  	  	  	  	  	  	  	  	  	
5

	
424

	  	  	  	  	  	  	  	  	  	
7

	
425

	  	  	  	  	  	  	  	  	  	
0

	
426

	  	  	  	  	  	  	  	  	  	
17

	
427

	  	  	  	  	  	  	  	  	  	
7

	
428

	  	  	  	  	  	  	  	  	  	
20

	
429

	  	  	  	  	  	  	  	  	  	
15

	
430

	  	  	  	  	  	  	  	  	  	
13

	
431

	  	  	  	  	  	  	  	  	  	
11

	
432

	  	  	  	  	  	  	  	  	  	
7

	
433

	  	  	  	  	  	  	  	  	  	
12

	
434

	  	  	  	  	  	  	  	  	  	
9

	
435

	  	  	  	  	  	  	  	  	  	
8

	
436

	  	  	  	  	  	  	  	  	  	
0

	
437

	  	  	  	  	  	  	  	  	  	
20

	
438

	  	  	  	  	  	  	  	  	  	
13

	
439

	  	  	  	  	  	  	  	  	  	
30

	
440

	  	  	  	  	  	  	  	  	  	
0

	
441

	  	  	  	  	  	  	  	  	  	
10

	
442

	  	  	  	  	  	  	  	  	  	
21

	
443

	  	  	  	  	  	  	  	  	  	
13

	
444

	  	  	  	  	  	  	  	  	  	
6

	
445

	  	  	  	  	  	  	  	  	  	
5

	
446

	  	  	  	  	  	  	  	  	  	
17

	
447

	  	  	  	  	  	  	  	  	  	
2

	
448

	  	  	  	  	  	  	  	  	  	
21

	
449

	  	  	  	  	  	  	  	  	  	
8

	
450

	  	  	  	  	  	  	  	  	  	
20

	
451

	  	  	  	  	  	  	  	  	  	
18

	
452

	  	  	  	  	  	  	  	  	  	
10

	
453

	  	  	  	  	  	  	  	  	  	
10

	
454

	  	  	  	  	  	  	  	  	  	
6

	
455

	  	  	  	  	  	  	  	  	  	
25

	
456

	  	  	  	  	  	  	  	  	  	
8

	
457

	  	  	  	  	  	  	  	  	  	
18

	
458

	  	  	  	  	  	  	  	  	  	
36

	
459

	  	  	  	  	  	  	  	  	  	
13

	
460

	  	  	  	  	  	  	  	  	  	
17

	
461

	  	  	  	  	  	  	  	  	  	
23

	
462

	  	  	  	  	  	  	  	  	  	
6

	
463

	  	  	  	  	  	  	  	  	  	
8

	
464

	  	  	  	  	  	  	  	  	  	
21

	
465

	  	  	  	  	  	  	  	  	  	
20

	
466

	  	  	  	  	  	  	  	  	  	
13

	
467

	  	  	  	  	  	  	  	  	  	
12

	
468

	  	  	  	  	  	  	  	  	  	
40

	
469

	  	  	  	  	  	  	  	  	  	
7

	
470

	  	  	  	  	  	  	  	  	  	
25

	
471

	  	  	  	  	  	  	  	  	  	
15

	
472

	  	  	  	  	  	  	  	  	  	
16

	
473

	  	  	  	  	  	  	  	  	  	
10

 

	
KEY

	
CoBrrw - Yrs at in Industry

	
Junior Mortgage Drawn Amount

	
Maturity Date

	
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)

	
1

	
30

	
228800.00

	
1/1/2041

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
2

	
30

	
250000.00

	
2/1/2041

	
0.00

	
0.00

	
0.00

	
14415.01

	
0.00

	
3

	
12

	
0.00

	
2/1/2039

	
10000.00

	
0.00

	
0.00

	
13415.42

	
0.00

	
4

	
20

	
37625.00

	
2/1/2039

	
9166.58

	
1142.38

	  	
1671.63

	  
	
5

	
0

	
0.00

	
2/1/2039

	  	  	  	  	  
	
6

	
5

	
120000.00

	
2/1/2039

	
25921.83

	  	  	
16869.33

	  
	
7

	
3

	
346000.00

	
2/1/2039

	
19167.00

	
0.00

	
0.00

	
-1879.92

	
0.00

	
8

	
10

	
65000.00

	
2/1/2039

	
11704.33

	
0.00

	
0.00

	
3942.17

	
0.00

	
9

	
10

	
237750.00

	
2/1/2039

	
9250.00

	  	  	
6250.00

	  
	
10

	
0

	
0.00

	
3/1/2039

	
619.83

	  	  	  	  
	
11

	
10

	
0.00

	
2/1/2039

	
16137.00

	
0.00

	
0.00

	
0.00

	
0.00

	
12

	
0

	
400000.00

	
2/1/2039

	
25000.00

	
4166.67

	  	  	  
	
13

	
9

	
50000.00

	
2/1/2039

	
21162.79

	
0.00

	
0.00

	
2885.55

	
0.00

	
14

	
0

	
0.00

	
2/1/2039

	
2222.33

	
0.00

	
0.00

	  	  
	
15

	
0

	
155000.00

	
2/1/2039

	
13213.00

	
3725.00

	
0.00

	
0.00

	
0.00

	
16

	
13

	
258200.00

	
2/1/2039

	
6548.00

	  	  	
3481.00

	  
	
17

	
0

	
0.00

	
2/1/2039

	
7060.84

	
0.00

	
0.00

	  	  
	
18

	
0

	
300000.00

	
2/1/2039

	
15416.68

	
2987.00

	
0.00

	
0.00

	
0.00

	
19

	
0

	
42500.00

	
2/1/2039

	
14166.00

	  	  	  	  
	
20

	
0

	
0.00

	
3/1/2039

	
6877.80

	
0.00

	
0.00

	  	  
	
21

	
0

	
125000.00

	
2/1/2039

	  	  	  	  	  
	
22

	
0

	
0.00

	
2/1/2039

	
15000.00

	  	  	  	  
	
23

	
10

	
74000.00

	
2/1/2039

	
7437.50

	  	  	  	  
	
24

	
0

	
85000.00

	
2/1/2039

	
25418.67

	  	  	  	  
	
25

	
13

	
0.00

	
2/1/2039

	
12500.00

	
0.00

	
0.00

	
0.00

	
0.00

	
26

	
0

	
500000.00

	
2/1/2039

	
27501.45

	
0.00

	
0.00

	
0.00

	
0.00

	
27

	
12

	
70000.00

	
5/1/2039

	
9516.00

	  	  	
1580.00

	  
	
28

	
5

	
0.00

	
2/1/2039

	
8000.00

	  	  	
3500.00

	  
	
29

	
0

	
0.00

	
2/1/2039

	
0.00

	
0.00

	
0.00

	  	  
	
30

	
0

	
170000.00

	
2/1/2039

	
59242.29

	  	  	  	  
	
31

	
0

	
100000.00

	
2/1/2039

	
10675.75

	
0.00

	
0.00

	  	  
	
32

	
0

	
0.00

	
5/1/2039

	
52117.25

	
0.00

	
0.00

	  	  
	
33

	
0

	
0.00

	
3/1/2039

	
0.00

	
0.00

	
0.00

	  	  
	
34

	
0

	
0.00

	
5/1/2039

	
7857.00

	
0.00

	
0.00

	
0.00

	
0.00

	
35

	
0

	
100000.00

	
6/1/2039

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
36

	
0

	
0.00

	
6/1/2039

	
14973.60

	
1241.00

	
0.00

	  	  
	
37

	
0

	
0.00

	
7/1/2039

	
11603.73

	
0.00

	
0.00

	  	  
	
38

	
11

	
0.00

	
7/1/2039

	
8601.00

	  	  	  	  
	
39

	
0

	
0.00

	
7/1/2039

	
2942.27

	
0.00

	
0.00

	  	  
	
40

	
3

	
0.00

	
7/1/2039

	
10148.75

	  	  	
3416.00

	  
	
41

	
20

	
0.00

	
1/1/2040

	
0.00

	
0.00

	
0.00

	
4325.00

	
0.00

	
42

	
0

	
0.00

	
8/1/2039

	
104166.00

	
0.00

	
0.00

	
0.00

	
0.00

	
43

	
0

	
0.00

	
8/1/2039

	
7158.00

	
0.00

	
0.00

	  	  
	
44

	
0

	
0.00

	
10/1/2039

	
23166.68

	
12785.42

	
0.00

	  	  
	
45

	
0

	
0.00

	
12/1/2039

	  	  	  	  	  
	
46

	
0

	
175000.00

	
2/1/2040

	
10500.00

	
0.00

	
12000.00

	
0.00

	
0.00

	
47

	
0

	
250000.00

	
1/1/2040

	
47197.13

	
0.00

	
0.00

	
0.00

	
0.00

	
48

	
0

	
0.00

	
7/1/2040

	
0.00

	
0.00

	
0.00

	
5319.00

	
0.00

	
49

	
0

	
0.00

	
4/1/2040

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
50

	
0

	
500000.00

	
5/1/2040

	  	  	  	  	  
	
51

	
0

	
150000.00

	
1/1/2041

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
52

	
0

	
0.00

	
9/1/2040

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
53

	
0

	
0.00

	
10/1/2040

	
6666.67

	  	  	  	  
	
54

	
0

	
0.00

	
10/1/2040

	
0.00

	
0.00

	
0.00

	  	  
	
55

	
0

	
0.00

	
10/1/2040

	
0.00

	
0.00

	
0.00

	  	  
	
56

	
16

	
0.00

	
10/1/2040

	
0.00

	
0.00

	
0.00

	
48613.00

	
0.00

	
57

	
0

	
800000.00

	
12/1/2040

	  	  	  	  	  
	
58

	
0

	
100000.00

	
10/1/2040

	
20545.19

	
0.00

	
0.00

	  	  
	
59

	
0

	
200000.00

	
10/1/2040

	  	  	  	  	  
	
60

	
0

	
0.00

	
10/1/2040

	
166666.67

	  	  	  	  
	
61

	
0

	
300699.00

	
9/1/2040

	
16666.67

	
4166.67

	
0.00

	
0.00

	
0.00

	
62

	
0

	
0.00

	
10/1/2040

	  	  	  	  	  
	
63

	
0

	
0.00

	
10/1/2040

	
20833.00

	
0.00

	
0.00

	  	  
	
64

	
0

	
500000.00

	
11/1/2040

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
65

	
0

	
235000.00

	
10/1/2040

	
27750.43

	  	  	  	  
	
66

	
0

	
0.00

	
11/1/2040

	
0.00

	
0.00

	
0.00

	  	  
	
67

	
0

	
0.00

	
10/1/2040

	
0.00

	
0.00

	
0.00

	  	  
	
68

	
0

	
70000.00

	
11/1/2040

	  	  	  	  	  
	
69

	
0

	
0.00

	
11/1/2040

	
16667.00

	  	  	  	  
	
70

	
0

	
0.00

	
10/1/2040

	
64129.58

	  	  	  	  
	
71

	
0

	
0.00

	
10/1/2040

	
18000.00

	
0.00

	
0.00

	
0.00

	
0.00

	
72

	
0

	
0.00

	
11/1/2040

	
24187.00

	
20791.00

	
0.00

	
0.00

	
0.00

	
73

	
0

	
900000.00

	
11/1/2040

	
0.00

	
0.00

	
0.00

	  	  
	
74

	
0

	
34500.00

	
11/1/2040

	
25000.00

	
111939.00

	
0.00

	
0.00

	
0.00

	
75

	
0

	
0.00

	
3/1/2041

	
37500.00

	  	  	  	  
	
76

	
10

	
0.00

	
11/1/2040

	
22375.00

	
0.00

	
0.00

	
2250.00

	
0.00

	
77

	
2

	
16500.00

	
12/1/2040

	
12180.00

	
0.00

	
0.00

	
8152.00

	
0.00

	
78

	
2

	
0.00

	
12/1/2040

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
79

	
0

	
0.00

	
12/1/2040

	
6250.00

	
0.00

	
0.00

	  	  
	
80

	
0

	
500000.00

	
11/1/2040

	  	  	  	  	  
	
81

	
0

	
0.00

	
11/1/2040

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
82

	
0

	
0.00

	
11/1/2040

	
21408.42

	
30552.50

	
0.00

	
0.00

	
0.00

	
83

	
0

	
182122.29

	
12/1/2040

	
24162.34

	
16143.75

	  	  	  
	
84

	
15

	
0.00

	
12/1/2040

	  	  	  	
3333.00

	  
	
85

	
6

	
0.00

	
12/1/2040

	
21016.00

	  	  	  	  
	
86

	
0

	
1500000.00

	
12/1/2040

	  	  	  	
0.00

	
0.00

	
87

	
0

	
500000.00

	
12/1/2040

	
44672.00

	  	  	  	  
	
88

	
0

	
0.00

	
12/1/2040

	
15487.00

	
0.00

	
0.00

	  	  
	
89

	
0

	
0.00

	
12/1/2040

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
90

	
15

	
0.00

	
12/1/2040

	
12500.00

	
2500.00

	
0.00

	
0.00

	
0.00

	
91

	
0

	
236000.00

	
11/1/2040

	
29885.83

	
14583.33

	
0.00

	
0.00

	
0.00

	
92

	
12

	
0.00

	
12/1/2040

	
6750.00

	
0.00

	
0.00

	
9231.00

	
0.00

	
93

	
0

	
0.00

	
12/1/2040

	
24948.00

	
0.00

	
0.00

	  	  
	
94

	
0

	
50000.00

	
1/1/2041

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
95

	
0

	
0.00

	
12/1/2040

	
16666.00

	
0.00

	
0.00

	  	  
	
96

	
10

	
0.00

	
1/1/2041

	  	  	  	  	  
	
97

	
25

	
0.00

	
2/1/2041

	
39000.00

	  	  	
12065.00

	  
	
98

	
0

	
0.00

	
1/1/2041

	
88380.00

	  	  	  	  
	
99

	
20

	
1400000.00

	
12/1/2040

	
60387.34

	
0.00

	
0.00

	
0.00

	
0.00

	
100

	
0

	
0.00

	
1/1/2041

	
32414.34

	
0.00

	
0.00

	
0.00

	
0.00

	
101

	
0

	
60000.00

	
1/1/2041

	
42308.00

	
0.00

	
0.00

	
0.00

	
0.00

	
102

	
0

	
0.00

	
1/1/2041

	
0.00

	
0.00

	
0.00

	  	  
	
103

	
0

	
0.00

	
2/1/2041

	
5515.92

	
0.00

	
0.00

	  	  
	
104

	
0

	
500000.00

	
1/1/2041

	
0.00

	
0.00

	
0.00

	  	  
	
105

	
12

	
0.00

	
3/1/2041

	
7743.94

	
0.00

	
0.00

	
14583.34

	
0.00

	
106

	
6

	
0.00

	
1/1/2041

	
19166.67

	
0.00

	
0.00

	
8952.42

	
0.00

	
107

	
0

	
0.00

	
1/1/2041

	
15000.00

	  	  	
3333.00

	  
	
108

	
26

	
0.00

	
1/1/2041

	
37916.67

	
0.00

	
0.00

	
10000.00

	
0.00

	
109

	
11

	
500000.00

	
1/1/2041

	
7083.34

	
0.00

	
0.00

	
2916.67

	
0.00

	
110

	
0

	
370250.00

	
12/1/2040

	
14583.00

	
0.00

	
0.00

	  	  
	
111

	
0

	
100000.00

	
2/1/2041

	
16666.00

	
25000.00

	
0.00

	
0.00

	
0.00

	
112

	
0

	
39000.00

	
1/1/2041

	
2515.75

	
0.00

	
0.00

	  	  
	
113

	
14

	
375000.00

	
1/1/2041

	
0.00

	
0.00

	
0.00

	
7583.34

	
0.00

	
114

	
0

	
0.00

	
1/1/2041

	
18750.00

	
0.00

	
0.00

	  	  
	
115

	
0

	
95000.00

	
1/1/2041

	
22745.85

	
0.00

	
0.00

	  	  
	
116

	
5

	
26406.61

	
1/1/2041

	
28023.50

	  	  	  	  
	
117

	
0

	
0.00

	
2/1/2041

	  	  	  	  	  
	
118

	
0

	
0.00

	
2/1/2041

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
119

	
0

	
423000.00

	
2/1/2041

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
120

	
10

	
0.00

	
1/1/2041

	
19565.64

	
0.00

	
0.00

	
9166.68

	
0.00

	
121

	
20

	
0.00

	
1/1/2041

	
7083.34

	
0.00

	
0.00

	
3708.34

	
0.00

	
122

	
30

	
1000000.00

	
2/1/2041

	
0.00

	
0.00

	
0.00

	
24884.09

	
0.00

	
123

	
11

	
0.00

	
2/1/2041

	
16916.67

	  	  	
17091.67

	  
	
124

	
21

	
500000.00

	
2/1/2041

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
125

	
0

	
0.00

	
2/1/2041

	
0.00

	
0.00

	
0.00

	  	  
	
126

	
2

	
0.00

	
3/1/2041

	
16667.00

	
0.00

	
0.00

	
12552.00

	
0.00

	
127

	
0

	
0.00

	
1/1/2041

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
128

	
0

	
0.00

	
1/1/2041

	
37500.00

	
10000.00

	
0.00

	
0.00

	
0.00

	
129

	
0

	
0.00

	
2/1/2041

	
0.00

	
0.00

	
0.00

	  	  
	
130

	
30

	
0.00

	
3/1/2041

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
131

	
0

	
0.00

	
2/1/2041

	
0.00

	
0.00

	
0.00

	  	  
	
132

	
21

	
0.00

	
2/1/2041

	  	  	  	
6195.45

	  
	
133

	
0

	
0.00

	
12/1/2040

	
25045.00

	
0.00

	
0.00

	
0.00

	
0.00

	
134

	
0

	
0.00

	
2/1/2039

	
34541.00

	
0.00

	
0.00

	  	  
	
135

	
0

	
625000.00

	
3/1/2039

	
23958.00

	
76145.00

	
0.00

	  	  
	
136

	
0

	
33000.00

	
3/1/2039

	
23958.34

	
76145.00

	
0.00

	  	  
	
137

	
5

	
0.00

	
3/1/2039

	
11302.89

	
0.00

	
0.00

	
16962.17

	
0.00

	
138

	
0

	
0.00

	
10/1/2040

	
16666.67

	
19583.00

	  	  	  
	
139

	
16

	
0.00

	
12/1/2040

	
20833.34

	
54905.50

	
0.00

	
0.00

	
0.00

	
140

	
9

	
0.00

	
12/1/2040

	
24062.50

	
196712.67

	
0.00

	
0.00

	
0.00

	
141

	
0

	
0.00

	
12/1/2040

	
92917.00

	  	  	  	  
	
142

	
0

	
0.00

	
2/1/2041

	
73155.35

	
0.00

	
0.00

	  	  
	
143

	
23

	
207000.00

	
3/1/2041

	
10911.00

	  	  	
10433.00

	  
	
144

	
6

	
0.00

	
6/1/2041

	
20000.00

	  	  	
7466.55

	  
	
145

	  	
0.00

	
7/1/2041

	  	  	  	  	  
	
146

	  	
0.00

	
6/1/2041

	
9903.90

	  	  	  	  
	
147

	  	
0.00

	
8/1/2041

	
19792.00

	  	  	  	  
	
148

	
12

	
0.00

	
4/1/2041

	
6667.00

	
9776.00

	  	
7233.00

	  
	
149

	
15

	
0.00

	
5/1/2041

	
27228.00

	  	  	
1899.00

	  
	
150

	
10

	
150000.00

	
6/1/2041

	  	  	  	
19593.00

	  
	
151

	  	
0.00

	
9/1/2040

	
24182.00

	  	  	  	  
	
152

	  	
0.00

	
2/1/2041

	
17250.00

	
13753.00

	  	  	  
	
153

	  	
0.00

	
1/1/2041

	
33333.00

	  	  	  	  
	
154

	  	
0.00

	
6/1/2041

	
33333.33

	  	  	  	  
	
155

	
13

	
0.00

	
6/1/2041

	
6986.53

	  	  	
24150.00

	  
	
156

	  	
0.00

	
6/1/2041

	
32924.00

	  	  	  	  
	
157

	
22

	
0.00

	
6/1/2041

	
40018.00

	  	  	
8571.00

	  
	
158

	  	
0.00

	
6/1/2041

	
12500.00

	  	
12833.00

	  	  
	
159

	  	
0.00

	
6/1/2041

	
31250.00

	  	  	  	  
	
160

	  	
0.00

	
7/1/2041

	
18333.33

	  	  	  	  
	
161

	  	
0.00

	
6/1/2041

	
15000.00

	  	  	  	  
	
162

	  	
0.00

	
6/1/2041

	
36784.00

	  	  	  	  
	
163

	  	
0.00

	
6/1/2041

	  	  	  	  	  
	
164

	
15

	
0.00

	
7/1/2041

	
4555.03

	  	  	
10339.64

	
667.00

	
165

	  	
0.00

	
8/1/2041

	
17195.16

	  	  	  	  
	
166

	  	
0.00

	
2/1/2039

	
6666.00

	  	  	  	  
	
167

	  	
0.00

	
2/1/2039

	
4973.24

	  	  	  	  
	
168

	  	
240000.00

	
2/1/2039

	
19983.25

	  	  	  	  
	
169

	  	
0.00

	
2/1/2039

	  	  	  	  	  
	
170

	  	
0.00

	
2/1/2039

	
11666.67

	  	  	  	  
	
171

	
10

	
375000.00

	
4/1/2039

	
11666.67

	  	
34160.83

	  	  
	
172

	  	
0.00

	
4/1/2039

	  	  	  	  	  
	
173

	  	
150000.00

	
5/1/2039

	
8754.08

	  	  	  	  
	
174

	  	
0.00

	
5/1/2039

	
3786.46

	  	  	  	  
	
175

	  	
0.00

	
1/1/2040

	  	  	  	  	  
	
176

	  	
0.00

	
8/1/2039

	
11158.00

	  	  	  	  
	
177

	  	
0.00

	
7/1/2039

	  	  	  	  	  
	
178

	  	
392500.00

	
7/1/2039

	
39583.33

	  	  	  	  
	
179

	  	
1000000.00

	
8/1/2039

	
137307.31

	  	  	  	  
	
180

	  	
375000.00

	
3/1/2040

	
17506.10

	
5950.00

	  	  	  
	
181

	  	
0.00

	
9/1/2040

	
18750.00

	  	  	  	  
	
182

	  	
880000.00

	
9/1/2040

	  	  	  	  	  
	
183

	  	
0.00

	
9/1/2040

	
29167.00

	  	  	  	  
	
184

	
30

	
0.00

	
10/1/2040

	
35188.88

	  	  	  	  
	
185

	
5

	
0.00

	
10/1/2040

	
10150.00

	  	  	
8750.00

	  
	
186

	
2

	
110250.00

	
1/1/2041

	
6250.00

	  	  	
6250.00

	  
	
187

	
17

	
750000.00

	
10/1/2040

	
93760.46

	  	  	
0.00

	  
	
188

	
9

	
250000.00

	
2/1/2041

	
30184.03

	  	  	
2315.14

	  
	
189

	
16

	
150000.00

	
12/1/2040

	
60562.00

	  	  	
6500.00

	  
	
190

	
16

	
99960.00

	
12/1/2040

	  	  	  	
12895.69

	  
	
191

	
14

	
0.00

	
12/1/2040

	  	  	  	
29477.24

	  
	
192

	
3

	
250000.00

	
1/1/2041

	
25000.00

	
10047.45

	  	  	  
	
193

	
12

	
0.00

	
1/1/2041

	  	  	  	  	  
	
194

	
3

	
0.00

	
1/1/2041

	
41290.00

	  	  	
8333.00

	  
	
195

	
5

	
370195.00

	
1/1/2041

	
22231.92

	  	  	
11823.75

	  
	
196

	  	
0.00

	
1/1/2041

	
9269.24

	
2250.00

	  	  	  
	
197

	  	
0.00

	
1/1/2041

	
8333.33

	  	  	  	  
	
198

	
7

	
0.00

	
1/1/2041

	
13333.33

	
1666.67

	  	
15369.54

	
1666.67

	
199

	  	
0.00

	
2/1/2041

	  	  	  	  	  
	
200

	  	
0.00

	
2/1/2041

	
23096.09

	  	  	  	  
	
201

	  	
0.00

	
1/1/2041

	
25000.00

	  	  	  	  
	
202

	  	
0.00

	
2/1/2041

	
19166.67

	  	  	  	  
	
203

	  	
0.00

	
1/1/2041

	
9696.00

	  	  	  	  
	
204

	
27

	
0.00

	
2/1/2041

	  	  	  	
2500.00

	  
	
205

	
11

	
0.00

	
1/1/2041

	
11169.00

	  	  	
11203.00

	  
	
206

	  	
137001.00

	
1/1/2041

	
30158.00

	  	  	  	  
	
207

	  	
0.00

	
2/1/2041

	
20719.00

	  	
13673.00

	  	  
	
208

	  	
192000.00

	
1/1/2041

	  	  	  	  	  
	
209

	  	
0.00

	
1/1/2041

	
41250.00

	
6781.00

	  	  	  
	
210

	
5

	
0.00

	
2/1/2041

	
25649.00

	  	  	
14583.00

	  
	
211

	
14

	
245800.00

	
3/1/2041

	  	  	  	
22245.75

	  
	
212

	  	
0.00

	
2/1/2041

	
8888.00

	  	  	  	  
	
213

	  	
0.00

	
2/1/2041

	
89166.70

	  	  	  	  
	
214

	
19

	
0.00

	
1/1/2041

	
22399.00

	  	  	
11115.00

	  
	
215

	  	
0.00

	
2/1/2041

	
28333.32

	  	  	  	  
	
216

	
36

	
0.00

	
3/1/2041

	
31940.00

	  	  	
31940.00

	  
	
217

	  	
0.00

	
2/1/2041

	
28702.00

	  	  	  	  
	
218

	  	
0.00

	
2/1/2041

	
50000.00

	  	  	  	  
	
219

	  	
0.00

	
2/1/2041

	
21651.00

	  	  	  	  
	
220

	  	
0.00

	
3/1/2041

	
80068.00

	  	  	  	  
	
221

	  	
100000.00

	
4/1/2041

	
14000.00

	  	  	  	  
	
222

	  	
0.00

	
3/1/2041

	
23750.00

	  	  	  	  
	
223

	  	
0.00

	
3/1/2041

	
31704.55

	  	  	  	  
	
224

	  	
246000.00

	
3/1/2041

	
61043.00

	  	  	  	  
	
225

	  	
0.00

	
3/1/2041

	
25944.00

	  	  	  	  
	
226

	  	
0.00

	
3/1/2041

	
21150.00

	
3151.30

	  	  	  
	
227

	
21

	
0.00

	
5/1/2041

	
7256.00

	  	  	
5580.00

	  
	
228

	
15

	
0.00

	
4/1/2041

	  	
22233.00

	  	
9616.00

	  
	
229

	  	
0.00

	
4/1/2041

	
52737.00

	  	  	  	  
	
230

	
9

	
0.00

	
5/1/2041

	
12671.69

	  	  	
14583.33

	  
	
231

	
5

	
0.00

	
4/1/2041

	
5122.00

	  	  	
13866.00

	  
	
232

	  	
0.00

	
5/1/2041

	
54000.00

	  	  	  	  
	
233

	
5

	
0.00

	
6/1/2041

	
8166.67

	  	  	
12168.00

	  
	
234

	
27

	
0.00

	
5/1/2041

	
11014.00

	  	  	
15900.00

	  
	
235

	
5

	
0.00

	
5/1/2041

	
10383.00

	  	  	
10325.00

	  
	
236

	  	
200000.00

	
6/1/2041

	
18173.42

	  	  	  	  
	
237

	  	
0.00

	
6/1/2041

	  	  	
-832.00

	  	  
	
238

	  	
0.00

	
6/1/2041

	
22916.68

	  	  	  	  
	
239

	  	
0.00

	
7/1/2041

	
13535.46

	  	  	  	  
	
240

	
30

	
0.00

	
6/1/2041

	  	  	  	  	  
	
241

	  	
0.00

	
6/1/2041

	
46978.67

	  	  	  	  
	
242

	
5

	
0.00

	
7/1/2041

	
36937.50

	  	  	
7980.83

	  
	
243

	
3

	
0.00

	
6/1/2041

	
12750.01

	  	  	
3427.92

	  
	
244

	  	
0.00

	
7/1/2041

	
166503.00

	  	  	  	  
	
245

	  	
0.00

	
8/1/2041

	
18671.00

	
4515.00

	  	  	  
	
246

	  	
0.00

	
8/1/2041

	
32996.00

	  	  	  	  
	
247

	  	
0.00

	
7/1/2041

	
25000.00

	  	  	  	  
	
248

	
3

	
0.00

	
6/1/2041

	
19647.33

	  	  	
4357.00

	  
	
249

	  	
0.00

	
7/1/2041

	
26250.00

	  	  	  	  
	
250

	
12

	
0.00

	
10/1/2040

	  	  	  	
5913.12

	  
	
251

	
35

	
0.00

	
10/1/2040

	
22230.60

	  	  	
14917.20

	  
	
252

	
10

	
0.00

	
10/1/2040

	
18422.00

	  	  	
2720.00

	  
	
253

	  	
0.00

	
11/1/2040

	
17503.00

	
13948.00

	  	  	  
	
254

	
25

	
0.00

	
11/1/2040

	
31193.00

	  	  	  	  
	
255

	  	
0.00

	
1/1/2041

	
2917.00

	  	
21271.00

	  	  
	
256

	  	
0.00

	
12/1/2040

	
192276.00

	  	  	  	  
	
257

	  	
0.00

	
1/1/2041

	  	  	  	  	  
	
258

	  	
0.00

	
1/1/2041

	  	  	  	  	  
	
259

	
10

	
0.00

	
3/1/2041

	
31380.00

	  	  	
7930.00

	  
	
260

	  	
0.00

	
3/1/2041

	
18750.00

	
1297.00

	  	  	  
	
261

	  	
100000.00

	
3/1/2041

	
10417.00

	
14534.00

	  	  	  
	
262

	  	
0.00

	
4/1/2041

	
14055.00

	  	  	  	  
	
263

	  	
0.00

	
4/1/2041

	
12.00

	  	  	  	  
	
264

	
12

	
0.00

	
3/1/2041

	
17606.00

	  	  	
7078.00

	  
	
265

	
18

	
0.00

	
3/1/2041

	
4796.00

	  	  	
12023.00

	  
	
266

	  	
220000.00

	
4/1/2041

	
18750.00

	
8333.00

	  	  	  
	
267

	  	
0.00

	
4/1/2041

	
21667.00

	
29530.00

	  	  	  
	
268

	  	
93250.00

	
4/1/2041

	
16883.00

	
8218.00

	  	  	  
	
269

	
15

	
0.00

	
5/1/2041

	
10000.00

	  	  	
12950.00

	  
	
270

	  	
100000.00

	
4/1/2041

	
16689.00

	
3843.00

	  	  	  
	
271

	
8

	
0.00

	
4/1/2041

	
11834.00

	  	  	
4833.00

	  
	
272

	  	
500000.00

	
5/1/2041

	
139830.00

	  	  	  	  
	
273

	  	
0.00

	
4/1/2041

	
762.00

	  	  	  	  
	
274

	
11

	
0.00

	
5/1/2041

	
17418.00

	  	  	
2917.00

	  
	
275

	  	
0.00

	
5/1/2041

	
25000.00

	  	  	  	  
	
276

	
22

	
0.00

	
6/1/2041

	
25846.00

	  	  	  	  
	
277

	
16

	
0.00

	
5/1/2041

	
20904.80

	  	  	  	  
	
278

	
19

	
0.00

	
6/1/2041

	
13750.00

	  	  	
20111.00

	  
	
279

	
16

	
0.00

	
5/1/2041

	
20833.00

	
39022.00

	  	
7083.00

	  
	
280

	
3

	
0.00

	
6/1/2041

	
4000.00

	  	
11454.00

	
5022.77

	
191.00

	
281

	  	
0.00

	
6/1/2041

	
33026.00

	  	  	  	  
	
282

	
2

	
0.00

	
6/1/2041

	
15251.80

	  	  	
10416.68

	  
	
283

	
9

	
0.00

	
6/1/2041

	
27083.34

	  	  	
23125.00

	  
	
284

	
13

	
462500.00

	
6/1/2041

	
25000.00

	
57692.00

	  	  	  
	
285

	
16

	
0.00

	
6/1/2041

	
80481.00

	  	  	
2000.00

	  
	
286

	
18

	
700000.00

	
7/1/2041

	
19500.00

	  	  	
10690.33

	  
	
287

	
29

	
200000.00

	
7/1/2041

	
2958.00

	  	  	
9094.83

	  
	
288

	  	
0.00

	
6/1/2041

	
52658.00

	  	  	  	  
	
289

	  	
0.00

	
6/1/2041

	  	  	  	  	  
	
290

	  	
0.00

	
6/1/2041

	
33333.33

	
11921.00

	  	  	  
	
291

	
10

	
0.00

	
6/1/2041

	
25292.00

	
8524.00

	  	  	  
	
292

	
5

	
0.00

	
7/1/2041

	
20833.33

	  	  	
10833.33

	  
	
293

	
8

	
0.00

	
6/1/2041

	
5111.00

	  	  	
7916.67

	
18181.98

	
294

	
14

	
100000.00

	
6/1/2041

	
12083.32

	
5379.00

	  	
11440.18

	  
	
295

	  	
0.00

	
6/1/2041

	
14579.00

	  	  	  	  
	
296

	
23

	
750000.00

	
6/1/2041

	
335148.08

	  	  	  	  
	
297

	
15

	
0.00

	
6/1/2041

	
18146.00

	  	  	
22044.00

	  
	
298

	  	
0.00

	
7/1/2041

	
66667.00

	  	  	  	  
	
299

	
3

	
0.00

	
7/1/2041

	
14392.00

	
4167.00

	  	
5373.00

	  
	
300

	  	
0.00

	
7/1/2041

	
16916.66

	
11570.00

	  	  	  
	
301

	  	
0.00

	
7/1/2041

	  	  	
40687.00

	  	  
	
302

	
10

	
0.00

	
4/1/2041

	
18965.00

	  	  	
10416.66

	  
	
303

	  	
0.00

	
6/1/2041

	
35706.67

	  	  	  	  
	
304

	  	
0.00

	
4/1/2041

	
17500.00

	  	  	  	  
	
305

	  	
0.00

	
5/1/2041

	
25679.08

	  	  	  	  
	
306

	  	
0.00

	
6/1/2041

	
11666.66

	  	
8705.00

	  	  
	
307

	  	
0.00

	
1/1/2041

	
5713.70

	  	  	  	  
	
308

	  	
0.00

	
9/1/2040

	
23750.00

	  	  	  	  
	
309

	  	
0.00

	
1/1/2041

	
14500.00

	
16041.67

	  	  	  
	
310

	  	
0.00

	
1/1/2041

	
42531.67

	  	  	  	  
	
311

	
7

	
0.00

	
1/1/2041

	
16713.63

	  	  	  	  
	
312

	
20

	
0.00

	
4/1/2041

	
13000.00

	  	  	
10230.65

	  
	
313

	  	
0.00

	
12/1/2040

	
9188.00

	  	  	  	  
	
314

	
19

	
0.00

	
2/1/2041

	
12500.00

	  	  	
11299.99

	  
	
315

	  	
0.00

	
5/1/2041

	
12972.34

	  	  	  	  
	
316

	  	
0.00

	
1/1/2041

	
21145.84

	  	  	  	  
	
317

	  	
0.00

	
2/1/2041

	
7411.00

	  	  	  	  
	
318

	
5

	
0.00

	
3/1/2041

	
13750.01

	  	  	
15944.35

	  
	
319

	
12

	
0.00

	
3/1/2041

	
14583.33

	  	  	
14377.08

	
6086.67

	
320

	  	
0.00

	
3/1/2041

	
16270.52

	  	  	  	  
	
321

	  	
0.00

	
2/1/2041

	
16250.00

	  	  	  	  
	
322

	  	
0.00

	
3/1/2041

	
16666.66

	  	  	  	  
	
323

	  	
0.00

	
5/1/2041

	
11380.74

	
9965.25

	  	  	  
	
324

	  	
0.00

	
4/1/2041

	
21666.68

	  	  	  	  
	
325

	  	
0.00

	
5/1/2041

	
11147.59

	  	  	  	  
	
326

	  	
0.00

	
4/1/2041

	
13211.96

	  	  	  	  
	
327

	
13

	
0.00

	
5/1/2041

	  	  	  	
41666.67

	  
	
328

	  	
0.00

	
4/1/2041

	
67989.60

	  	  	  	  
	
329

	
17

	
0.00

	
4/1/2041

	
14454.17

	  	  	
9479.17

	  
	
330

	  	
0.00

	
3/1/2041

	
31250.00

	
57590.00

	  	  	  
	
331

	
6

	
0.00

	
3/1/2041

	  	  	  	
13152.58

	
14953.40

	
332

	  	
0.00

	
5/1/2041

	
16666.67

	  	  	  	  
	
333

	  	
0.00

	
4/1/2041

	
41666.67

	  	  	  	  
	
334

	  	
0.00

	
5/1/2041

	
12141.67

	
2525.11

	  	  	  
	
335

	
1

	
0.00

	
5/1/2041

	
22085.35

	  	  	
9225.86

	  
	
336

	
10

	
0.00

	
4/1/2041

	
5416.67

	  	  	
16681.34

	  
	
337

	  	
0.00

	
4/1/2041

	
8583.34

	  	  	  	  
	
338

	
12

	
0.00

	
4/1/2041

	
11351.44

	  	  	
11250.00

	  
	
339

	  	
0.00

	
4/1/2041

	
20000.00

	  	  	  	  
	
340

	
11

	
0.00

	
6/1/2041

	
3333.33

	
3426.58

	
12016.90

	
5897.42

	  
	
341

	
2

	
0.00

	
6/1/2041

	
38724.17

	  	  	  	  
	
342

	
9

	
0.00

	
5/1/2041

	
11878.67

	  	  	
6707.50

	  
	
343

	  	
0.00

	
11/1/2040

	
25000.00

	  	  	  	  
	
344

	  	
0.00

	
10/1/2040

	
18334.00

	  	  	  	  
	
345

	  	
0.00

	
11/1/2040

	
13333.34

	  	  	  	  
	
346

	  	
146000.00

	
11/1/2040

	
18750.00

	  	  	  	  
	
347

	
10

	
0.00

	
11/1/2040

	
9583.34

	  	  	
8984.50

	  
	
348

	  	
79000.00

	
10/1/2040

	  	  	  	  	  
	
349

	
28

	
170000.00

	
8/1/2040

	
18333.34

	  	  	
10833.33

	  
	
350

	  	
0.00

	
10/1/2040

	
11437.00

	  	  	  	  
	
351

	  	
0.00

	
11/1/2040

	  	  	  	  	  
	
352

	  	
0.00

	
1/1/2041

	
13347.00

	  	  	  	  
	
353

	  	
0.00

	
9/1/2040

	  	  	
55773.35

	  	  
	
354

	
3

	
0.00

	
1/1/2041

	
9800.00

	  	  	
4661.67

	  
	
355

	  	
0.00

	
12/1/2040

	
19698.00

	  	  	  	  
	
356

	  	
0.00

	
11/1/2040

	
22059.00

	  	  	  	  
	
357

	
22

	
260000.00

	
12/1/2040

	
30822.00

	  	  	
11207.00

	  
	
358

	
10

	
0.00

	
12/1/2040

	
12211.00

	  	  	
13597.00

	  
	
359

	  	
0.00

	
1/1/2041

	
13909.00

	  	  	  	  
	
360

	  	
0.00

	
11/1/2040

	
794.00

	  	  	  	  
	
361

	  	
500000.00

	
1/1/2041

	
48130.00

	  	  	  	  
	
362

	
17

	
0.00

	
1/1/2041

	
4274.33

	  	  	
26350.42

	  
	
363

	  	
0.00

	
12/1/2040

	
39805.88

	  	  	  	  
	
364

	  	
0.00

	
12/1/2040

	
37817.32

	  	  	  	  
	
365

	
31

	
59000.00

	
12/1/2040

	  	  	  	
23164.17

	  
	
366

	
9

	
0.00

	
12/1/2040

	
17128.74

	  	  	
19650.00

	  
	
367

	
14

	
0.00

	
12/1/2040

	
18712.67

	  	  	
1505.47

	  
	
368

	  	
400000.00

	
12/1/2040

	
0.00

	  	  	  	  
	
369

	  	
125000.00

	
12/1/2040

	
10417.66

	  	  	  	  
	
370

	
37

	
250000.00

	
1/1/2041

	
37937.00

	  	  	
31680.00

	  
	
371

	
30

	
0.00

	
10/1/2040

	
20833.34

	  	  	
10666.67

	  
	
372

	  	
0.00

	
1/1/2041

	
21666.66

	  	  	  	  
	
373

	  	
0.00

	
12/1/2040

	
16666.67

	  	  	  	  
	
374

	
22

	
0.00

	
1/1/2041

	  	  	  	
30832.00

	  
	
375

	
11

	
0.00

	
12/1/2040

	
11000.00

	  	  	
21666.67

	  
	
376

	  	
70000.00

	
11/1/2040

	
24583.33

	  	  	  	  
	
377

	
5

	
0.00

	
11/1/2040

	
21787.52

	  	  	
9166.69

	  
	
378

	  	
0.00

	
11/1/2040

	
8000.00

	  	  	  	  
	
379

	
6

	
0.00

	
11/1/2040

	
17916.66

	  	  	
0.00

	  
	
380

	  	
0.00

	
2/1/2041

	
21584.00

	  	  	  	  
	
381

	  	
0.00

	
2/1/2040

	
23819.00

	  	  	  	  
	
382

	  	
0.00

	
11/1/2040

	
20833.33

	  	  	  	  
	
383

	  	
0.00

	
2/1/2041

	
25611.73

	  	  	  	  
	
384

	  	
0.00

	
2/1/2041

	
26667.00

	  	  	  	  
	
385

	  	
0.00

	
2/1/2041

	
33999.98

	  	  	  	  
	
386

	  	
0.00

	
2/1/2041

	  	  	  	  	  
	
387

	  	
85000.00

	
2/1/2041

	
49976.87

	  	  	  	  
	
388

	  	
0.00

	
2/1/2041

	
21666.66

	
28689.00

	  	  	  
	
389

	
15

	
0.00

	
2/1/2041

	
1780.00

	  	  	  	  
	
390

	  	
250000.00

	
2/1/2041

	
22303.00

	  	  	  	  
	
391

	
3

	
0.00

	
2/1/2041

	
30496.11

	  	  	
17500.00

	  
	
392

	
5

	
0.00

	
2/1/2041

	
3000.00

	  	  	
3000.00

	  
	
393

	  	
394042.00

	
2/1/2041

	
26666.66

	  	  	  	  
	
394

	  	
0.00

	
2/1/2041

	
33333.00

	  	  	  	  
	
395

	  	
0.00

	
2/1/2041

	
31250.00

	  	  	  	  
	
396

	  	
250000.00

	
2/1/2041

	
40912.80

	  	  	  	  
	
397

	
18

	
195000.00

	
2/1/2041

	
4839.75

	  	  	
12700.00

	  
	
398

	  	
0.00

	
2/1/2041

	
14025.00

	  	  	  	  
	
399

	  	
500000.00

	
2/1/2041

	
53655.00

	  	  	  	  
	
400

	  	
0.00

	
2/1/2041

	
27916.67

	
10416.67

	  	  	  
	
401

	  	
0.00

	
2/1/2041

	  	  	
50598.00

	  	  
	
402

	
25

	
100000.00

	
2/1/2041

	
49400.00

	  	  	  	  
	
403

	  	
0.00

	
2/1/2041

	
51166.72

	  	  	  	  
	
404

	
25

	
38000.00

	
2/1/2041

	
13991.00

	  	  	
1187.50

	  
	
405

	
13

	
100000.00

	
2/1/2041

	
15376.41

	  	  	
6819.29

	  
	
406

	
21

	
0.00

	
2/1/2041

	
24883.00

	  	  	
7391.00

	  
	
407

	  	
165000.00

	
2/1/2041

	
19902.08

	  	  	  	  
	
408

	  	
500000.00

	
2/1/2041

	
35261.00

	  	  	  	  
	
409

	
40

	
0.00

	
2/1/2041

	
638.00

	  	  	
21114.00

	  
	
410

	  	
0.00

	
2/1/2041

	
21542.00

	
11269.00

	  	  	  
	
411

	  	
0.00

	
2/1/2041

	
26250.00

	  	  	  	  
	
412

	
11

	
0.00

	
2/1/2041

	
10503.00

	  	  	
6402.75

	  
	
413

	  	
0.00

	
2/1/2041

	
37599.00

	  	  	  	  
	
414

	
14

	
0.00

	
2/1/2041

	
10417.00

	  	  	
16588.00

	  
	
415

	
9

	
0.00

	
2/1/2041

	
15274.05

	  	  	
11461.00

	  
	
416

	  	
100000.00

	
2/1/2041

	
17173.48

	  	  	  	  
	
417

	
24

	
0.00

	
2/1/2041

	
17917.00

	  	  	
4698.54

	  
	
418

	
7

	
0.00

	
12/1/2040

	
33333.34

	
18124.35

	  	  	  
	
419

	  	
0.00

	
5/1/2041

	
29166.67

	
16542.00

	  	  	  
	
420

	
16

	
0.00

	
3/1/2041

	
0.00

	  	  	
15733.94

	
197.78

	
421

	  	
0.00

	
3/1/2041

	  	  	  	  	  
	
422

	  	
0.00

	
4/1/2041

	
17784.50

	  	  	  	  
	
423

	  	
0.00

	
4/1/2041

	
20522.65

	  	  	  	  
	
424

	
13

	
0.00

	
4/1/2041

	
21250.00

	  	  	
14583.34

	  
	
425

	  	
0.00

	
6/1/2041

	  	  	  	  	  
	
426

	  	
0.00

	
1/1/2041

	
18751.20

	  	  	  	  
	
427

	
19

	
0.00

	
1/1/2041

	
13333.33

	  	  	
33669.08

	  
	
428

	  	
0.00

	
1/1/2041

	
18750.00

	  	  	  	  
	
429

	  	
0.00

	
1/1/2041

	
20000.07

	  	  	  	  
	
430

	
16

	
0.00

	
2/1/2041

	
14892.12

	  	  	
2164.34

	  
	
431

	
6

	
0.00

	
2/1/2041

	
4956.12

	
2055.56

	  	
14875.00

	  
	
432

	
6

	
0.00

	
1/1/2041

	
17230.43

	  	  	
10234.03

	  
	
433

	
9

	
0.00

	
2/1/2041

	
22229.35

	  	  	
9746.44

	  
	
434

	
9

	
0.00

	
1/1/2041

	
4500.00

	  	  	
6000.00

	  
	
435

	
11

	
0.00

	
2/1/2041

	
7698.14

	  	  	
12500.00

	  
	
436

	
2

	
0.00

	
1/1/2041

	  	  	  	
13500.00

	  
	
437

	
20

	
0.00

	
1/1/2041

	
19166.67

	  	  	
16119.56

	  
	
438

	
15

	
0.00

	
1/1/2041

	
20833.33

	
8250.92

	  	  	  
	
439

	  	
0.00

	
2/1/2041

	
20900.00

	  	  	  	  
	
440

	  	
0.00

	
1/1/2041

	
20416.68

	  	  	  	  
	
441

	
4

	
0.00

	
2/1/2041

	
28763.00

	  	  	
4645.67

	  
	
442

	  	
0.00

	
1/1/2041

	
21363.88

	  	  	  	  
	
443

	
6

	
0.00

	
2/1/2041

	
11122.77

	
1966.56

	  	
12313.71

	  
	
444

	
4

	
0.00

	
1/1/2041

	
9066.21

	  	  	
16140.78

	  
	
445

	  	
0.00

	
2/1/2041

	
16666.67

	  	  	  	  
	
446

	  	
0.00

	
2/1/2041

	
23010.00

	  	  	  	  
	
447

	
22

	
0.00

	
1/1/2041

	
14916.66

	  	  	
9409.26

	  
	
448

	  	
0.00

	
2/1/2041

	
15833.33

	  	  	  	  
	
449

	  	
0.00

	
2/1/2041

	  	  	
25455.00

	  	  
	
450

	
10

	
0.00

	
1/1/2041

	
10701.08

	  	  	
10106.26

	  
	
451

	  	
0.00

	
2/1/2041

	
17500.02

	  	  	  	  
	
452

	
2

	
0.00

	
2/1/2041

	
8750.00

	  	  	
12750.00

	  
	
453

	
10

	
0.00

	
2/1/2041

	
24064.81

	  	  	
14238.21

	  
	
454

	  	
0.00

	
2/1/2041

	
19583.33

	  	  	  	  
	
455

	  	
0.00

	
2/1/2041

	
42978.08

	  	  	  	  
	
456

	  	
0.00

	
2/1/2041

	
22947.58

	
6731.00

	  	  	  
	
457

	
17

	
0.00

	
4/1/2039

	
10356.67

	  	  	
11291.67

	  
	
458

	  	
0.00

	
10/1/2040

	
41905.68

	  	  	  	  
	
459

	  	
0.00

	
10/1/2040

	
33333.00

	
95258.00

	  	  	  
	
460

	  	
1000000.00

	
2/1/2041

	
20832.00

	  	  	  	  
	
461

	
23

	
0.00

	
12/1/2040

	
59743.68

	  	  	
15833.34

	  
	
462

	
1

	
0.00

	
1/1/2041

	
35585.50

	  	  	  	  
	
463

	  	
0.00

	
2/1/2041

	
12774.00

	
3029.00

	  	  	  
	
464

	  	
0.00

	
4/1/2041

	
83380.00

	  	  	  	  
	
465

	  	
0.00

	
8/1/2041

	  	  	
0.00

	  	  
	
466

	  	
0.00

	
2/1/2041

	
16667.00

	
38428.00

	  	  	  
	
467

	
5

	
0.00

	
5/1/2041

	
8333.33

	
12581.00

	  	
21517.00

	  
	
468

	  	
0.00

	
5/1/2041

	
11485.00

	  	  	  	  
	
469

	
6

	
0.00

	
6/1/2041

	
11833.00

	  	  	
19975.84

	  
	
470

	
15

	
0.00

	
7/1/2041

	
54882.00

	  	  	  	  
	
471

	  	
0.00

	
7/1/2041

	
17641.67

	
3667.00

	  	  	  
	
472

	
10

	
0.00

	
2/1/2041

	
17579.00

	  	  	
5018.00

	  
	
473

	  	
0.00

	
2/1/2041

	
20833.33

	
27068.00

	  	  	  

 

	
KEY

	
Co-Borrower Wage Income (Commission)

	
Originator Doc Code

	
RWT Income Verification

	
RWT Asset Verification

	
1

	
0.00

	
Full

	
2 years

	
2 Months

	
2

	
0.00

	
Full

	
2 years

	
2 Months

	
3

	
0.00

	
Full

	
2 years

	
2 Months

	
4

	  	
Full

	
2 years

	
2 Months

	
5

	  	
Full

	
2 years

	
2 Months

	
6

	  	
Full

	
2 years

	
2 Months

	
7

	
0.00

	
Full

	
2 years

	
2 Months

	
8

	
0.00

	
Full

	
2 years

	
2 Months

	
9

	  	
Full

	
2 years

	
2 Months

	
10

	  	
Full

	
2 years

	
2 Months

	
11

	
0.00

	
Full

	
2 years

	
2 Months

	
12

	  	
Full

	
2 years

	
2 Months

	
13

	
0.00

	
Full

	
2 years

	
2 Months

	
14

	  	
Full

	
2 years

	
2 Months

	
15

	
0.00

	
Full

	
2 years

	
2 Months

	
16

	  	
Full

	
2 years

	
2 Months

	
17

	  	
Full

	
2 years

	
2 Months

	
18

	
0.00

	
Full

	
2 years

	
2 Months

	
19

	  	
Full

	
2 years

	
2 Months

	
20

	  	
Full

	
2 years

	
2 Months

	
21

	  	
Full

	
2 years

	
2 Months

	
22

	  	
Full

	
2 years

	
2 Months

	
23

	  	
Full

	
2 years

	
2 Months

	
24

	  	
Full

	
2 years

	
2 Months

	
25

	
0.00

	
Full

	
2 years

	
2 Months

	
26

	
0.00

	
Full

	
2 years

	
2 Months

	
27

	
5434.33

	
Full

	
2 years

	
2 Months

	
28

	  	
Full

	
2 years

	
2 Months

	
29

	  	
Full

	
2 years

	
2 Months

	
30

	  	
Full

	
2 years

	
2 Months

	
31

	  	
Full

	
2 years

	
2 Months

	
32

	  	
Full

	
2 years

	
2 Months

	
33

	  	
Full

	
2 years

	
2 Months

	
34

	
0.00

	
Full

	
2 years

	
2 Months

	
35

	
0.00

	
Full

	
2 years

	
2 Months

	
36

	  	
Full

	
2 years

	
2 Months

	
37

	  	
Full

	
2 years

	
2 Months

	
38

	  	
Full

	
2 years

	
2 Months

	
39

	  	
Full

	
2 years

	
2 Months

	
40

	  	
Full

	
2 years

	
2 Months

	
41

	
0.00

	
Full

	
2 years

	
2 Months

	
42

	
0.00

	
Full

	
2 years

	
2 Months

	
43

	  	
Full

	
2 years

	
2 Months

	
44

	  	
Full

	
2 years

	
2 Months

	
45

	  	
Full

	
2 years

	
2 Months

	
46

	
0.00

	
Full

	
2 years

	
2 Months

	
47

	
0.00

	
Full

	
2 years

	
2 Months

	
48

	
0.00

	
Full

	
2 years

	
2 Months

	
49

	
0.00

	
Full

	
2 years

	
2 Months

	
50

	  	
Full

	
2 years

	
2 Months

	
51

	
0.00

	
Full

	
2 years

	
2 Months

	
52

	
0.00

	
Full

	
2 years

	
2 Months

	
53

	  	
Full

	
2 years

	
2 Months

	
54

	  	
Full

	
2 years

	
2 Months

	
55

	  	
Full

	
2 years

	
2 Months

	
56

	
0.00

	
Full

	
2 years

	
2 Months

	
57

	  	
Full

	
2 years

	
2 Months

	
58

	  	
Full

	
2 years

	
2 Months

	
59

	  	
Full

	
2 years

	
2 Months

	
60

	  	
Full

	
2 years

	
2 Months

	
61

	
0.00

	
Full

	
2 years

	
2 Months

	
62

	  	
Full

	
2 years

	
2 Months

	
63

	  	
Full

	
2 years

	
2 Months

	
64

	
0.00

	
Full

	
2 years

	
2 Months

	
65

	  	
Full

	
2 years

	
2 Months

	
66

	  	
Full

	
2 years

	
2 Months

	
67

	  	
Full

	
2 years

	
2 Months

	
68

	  	
Full

	
2 years

	
2 Months

	
69

	  	
Full

	
2 years

	
2 Months

	
70

	  	
Full

	
2 years

	
2 Months

	
71

	
0.00

	
Full

	
2 years

	
2 Months

	
72

	
0.00

	
Full

	
2 years

	
2 Months

	
73

	  	
Full

	
2 years

	
2 Months

	
74

	
0.00

	
Full

	
2 years

	
2 Months

	
75

	  	
Full

	
2 years

	
2 Months

	
76

	
0.00

	
Full

	
2 years

	
2 Months

	
77

	
0.00

	
Full

	
2 years

	
2 Months

	
78

	
0.00

	
Full

	
2 years

	
2 Months

	
79

	  	
Full

	
2 years

	
2 Months

	
80

	  	
Full

	
2 years

	
2 Months

	
81

	
0.00

	
Full

	
2 years

	
2 Months

	
82

	
0.00

	
Full

	
2 years

	
2 Months

	
83

	  	
Full

	
2 years

	
2 Months

	
84

	  	
Full

	
2 years

	
2 Months

	
85

	  	
Full

	
2 years

	
2 Months

	
86

	
0.00

	
Full

	
2 years

	
2 Months

	
87

	  	
Full

	
2 years

	
2 Months

	
88

	  	
Full

	
2 years

	
2 Months

	
89

	
0.00

	
Full

	
2 years

	
2 Months

	
90

	
0.00

	
Full

	
2 years

	
2 Months

	
91

	
0.00

	
Full

	
2 years

	
2 Months

	
92

	
0.00

	
Full

	
2 years

	
2 Months

	
93

	  	
Full

	
2 years

	
2 Months

	
94

	
0.00

	
Full

	
2 years

	
2 Months

	
95

	  	
Full

	
2 years

	
2 Months

	
96

	  	
Full

	
2 years

	
2 Months

	
97

	  	
Full

	
2 years

	
2 Months

	
98

	  	
Full

	
2 years

	
2 Months

	
99

	
0.00

	
Full

	
2 years

	
2 Months

	
100

	
0.00

	
Full

	
2 years

	
2 Months

	
101

	
0.00

	
Full

	
2 years

	
2 Months

	
102

	  	
Full

	
2 years

	
2 Months

	
103

	  	
Full

	
2 years

	
2 Months

	
104

	  	
Full

	
2 years

	
2 Months

	
105

	
0.00

	
Full

	
2 years

	
2 Months

	
106

	
0.00

	
Full

	
2 years

	
2 Months

	
107

	  	
Full

	
2 years

	
2 Months

	
108

	
0.00

	
Full

	
2 years

	
2 Months

	
109

	
0.00

	
Full

	
2 years

	
2 Months

	
110

	  	
Full

	
2 years

	
2 Months

	
111

	
0.00

	
Full

	
2 years

	
2 Months

	
112

	  	
Full

	
2 years

	
2 Months

	
113

	
0.00

	
Full

	
2 years

	
2 Months

	
114

	  	
Full

	
2 years

	
2 Months

	
115

	  	
Full

	
2 years

	
2 Months

	
116

	  	
Full

	
2 years

	
2 Months

	
117

	  	
Full

	
2 years

	
2 Months

	
118

	
0.00

	
Full

	
2 years

	
2 Months

	
119

	
0.00

	
Full

	
2 years

	
2 Months

	
120

	
0.00

	
Full

	
2 years

	
2 Months

	
121

	
0.00

	
Full

	
2 years

	
2 Months

	
122

	
0.00

	
Full

	
2 years

	
2 Months

	
123

	  	
Full

	
2 years

	
2 Months

	
124

	
0.00

	
Full

	
2 years

	
2 Months

	
125

	  	
Full

	
2 years

	
2 Months

	
126

	
0.00

	
Full

	
2 years

	
2 Months

	
127

	
0.00

	
Full

	
2 years

	
2 Months

	
128

	
0.00

	
Full

	
2 years

	
2 Months

	
129

	  	
Full

	
2 years

	
2 Months

	
130

	
0.00

	
Full

	
2 years

	
2 Months

	
131

	  	
Full

	
2 years

	
2 Months

	
132

	  	
Full

	
2 years

	
2 Months

	
133

	
0.00

	
Full

	
2 years

	
2 Months

	
134

	  	
Full

	
2 years

	
2 Months

	
135

	  	
Full

	
2 years

	
2 Months

	
136

	  	
Full

	
2 years

	
2 Months

	
137

	
0.00

	
Full

	
2 years

	
2 Months

	
138

	  	
Full

	
2 years

	
2 Months

	
139

	
0.00

	
Full

	
2 years

	
2 Months

	
140

	
0.00

	
Full

	
2 years

	
2 Months

	
141

	  	
Full

	
2 years

	
2 Months

	
142

	  	
Full

	
2 years

	
2 Months

	
143

	
15840.00

	
Full

	
2 years

	
2 Months

	
144

	  	
Full

	
2 years

	
2 Months

	
145

	  	
Full

	
2 years

	
2 Months

	
146

	  	
Full

	
2 years

	
2 Months

	
147

	  	
Full

	
2 years

	
2 Months

	
148

	  	
Full

	
2 years

	
2 Months

	
149

	  	
Full

	
2 years

	
2 Months

	
150

	  	
Full

	
2 years

	
2 Months

	
151

	  	
Full

	
2 years

	
2 Months

	
152

	  	
Full

	
2 years

	
2 Months

	
153

	  	
Full

	
2 years

	
2 Months

	
154

	  	
Full

	
2 years

	
2 Months

	
155

	  	
Full

	
2 years

	
2 Months

	
156

	  	
Full

	
2 years

	
2 Months

	
157

	  	
Full

	
2 years

	
2 Months

	
158

	  	
Full

	
2 years

	
2 Months

	
159

	  	
Full

	
2 years

	
2 Months

	
160

	  	
Full

	
2 years

	
2 Months

	
161

	  	
Full

	
2 years

	
2 Months

	
162

	  	
Full

	
2 years

	
2 Months

	
163

	  	
Full

	
2 years

	
2 Months

	
164

	  	
Full

	
2 years

	
2 Months

	
165

	  	
Full

	
2 years

	
2 Months

	
166

	  	
Full

	
2 years

	
2 Months

	
167

	  	
Full

	
2 years

	
2 Months

	
168

	  	
Full

	
2 years

	
1 Month

	
169

	  	
Full

	
2 years

	
1 Month

	
170

	  	
Full

	
2 years

	
1 Month

	
171

	  	
Full

	
2 years

	
2 Months

	
172

	  	
Full

	
2 years

	
1 Month

	
173

	  	
Full

	
2 years

	
2 Months

	
174

	  	
Full

	
2 years

	
1 Month

	
175

	  	
Full

	
2 years

	
1 Month

	
176

	  	
Full

	
2 years

	
1 Month

	
177

	  	
Full

	
2 years

	
1 Month

	
178

	  	
Full

	
2 years

	
1 Month

	
179

	  	
Full

	
2 years

	
1 Month

	
180

	  	
Full

	
2 years

	
1 Month

	
181

	  	
Full

	
2 years

	
2 Months

	
182

	  	
Full

	
2 years

	
2 Months

	
183

	  	
Full

	
2 years

	
2 Months

	
184

	  	
Full

	
2 years

	
1 Month

	
185

	  	
Full

	
2 years

	
2 Months

	
186

	  	
Full

	
2 years

	
2 Months

	
187

	  	
Full

	
2 years

	
2 Months

	
188

	  	
Full

	
2 years

	
1 Month

	
189

	  	
Full

	
2 years

	
2 Months

	
190

	  	
Full

	
2 years

	
1 Month

	
191

	  	
Full

	
2 years

	
2 Months

	
192

	  	
Full

	
2 years

	
1 Month

	
193

	  	
Full

	
2 years

	
2 Months

	
194

	  	
Full

	
2 years

	
1 Month

	
195

	  	
Full

	
2 years

	
2 Months

	
196

	  	
Full

	
2 years

	
1 Month

	
197

	  	
Full

	
2 years

	
2 Months

	
198

	  	
Full

	
2 years

	
2 Months

	
199

	  	
Full

	
2 years

	
2 Months

	
200

	  	
Full

	
2 years

	
2 Months

	
201

	  	
Full

	
2 years

	
1 Month

	
202

	  	
Full

	
2 years

	
1 Month

	
203

	  	
Full

	
2 years

	
1 Month

	
204

	  	
Full

	
2 years

	
2 Months

	
205

	  	
Full

	
2 years

	
2 Months

	
206

	  	
Full

	
2 years

	
1 Month

	
207

	  	
Full

	
2 years

	
2 Months

	
208

	  	
Full

	
2 years

	
1 Month

	
209

	  	
Full

	
2 years

	
2 Months

	
210

	  	
Full

	
2 years

	
1 Month

	
211

	  	
Full

	
2 years

	
1 Month

	
212

	  	
Full

	
2 years

	
2 Months

	
213

	  	
Full

	
2 years

	
2 Months

	
214

	  	
Full

	
2 years

	
2 Months

	
215

	  	
Full

	
2 years

	
2 Months

	
216

	  	
Full

	
2 years

	
2 Months

	
217

	  	
Full

	
2 years

	
2 Months

	
218

	  	
Full

	
2 years

	
2 Months

	
219

	  	
Full

	
2 years

	
1 Month

	
220

	  	
Full

	
2 years

	
2 Months

	
221

	  	
Full

	
2 years

	
1 Month

	
222

	  	
Full

	
2 years

	
2 Months

	
223

	  	
Full

	
2 years

	
2 Months

	
224

	  	
Full

	
2 years

	
1 Month

	
225

	  	
Full

	
2 years

	
2 Months

	
226

	  	
Full

	
2 years

	
2 Months

	
227

	  	
Full

	
2 years

	
2 Months

	
228

	  	
Full

	
2 years

	
2 Months

	
229

	  	
Full

	
2 years

	
2 Months

	
230

	  	
Full

	
2 years

	
2 Months

	
231

	  	
Full

	
2 years

	
2 Months

	
232

	  	
Full

	
2 years

	
2 Months

	
233

	  	
Full

	
2 years

	
2 Months

	
234

	  	
Full

	
2 years

	
2 Months

	
235

	  	
Full

	
2 years

	
2 Months

	
236

	  	
Full

	
2 years

	
2 Months

	
237

	  	
Full

	
2 years

	
2 Months

	
238

	  	
Full

	
2 years

	
2 Months

	
239

	  	
Full

	
2 years

	
2 Months

	
240

	  	
Full

	
2 years

	
2 Months

	
241

	  	
Full

	
2 years

	
2 Months

	
242

	  	
Full

	
2 years

	
2 Months

	
243

	  	
Full

	
2 years

	
2 Months

	
244

	  	
Full

	
2 years

	
2 Months

	
245

	  	
Full

	
2 years

	
2 Months

	
246

	  	
Full

	
2 years

	
2 Months

	
247

	  	
Full

	
2 years

	
2 Months

	
248

	  	
Full

	
2 years

	
2 Months

	
249

	  	
Full

	
2 years

	
2 Months

	
250

	  	
Full

	
2 years

	
1 Month

	
251

	  	
Full

	
2 years

	
1 Month

	
252

	  	
Full

	
2 years

	
2 Months

	
253

	  	
Full

	
2 years

	
1 Month

	
254

	
10495.00

	
Full

	
2 years

	
2 Months

	
255

	  	
Full

	
2 years

	
2 Months

	
256

	  	
Full

	
2 years

	
2 Months

	
257

	  	
Full

	
2 years

	
1 Month

	
258

	  	
Full

	
2 years

	
1 Month

	
259

	  	
Full

	
2 years

	
1 Month

	
260

	  	
Full

	
2 years

	
2 Months

	
261

	  	
Full

	
2 years

	
2 Months

	
262

	  	
Full

	
2 years

	
2 Months

	
263

	  	
Full

	
2 years

	
2 Months

	
264

	  	
Full

	
1 year

	
1 Month

	
265

	  	
Full

	
2 years

	
1 Month

	
266

	  	
Full

	
2 years

	
2 Months

	
267

	  	
Full

	
2 years

	
2 Months

	
268

	  	
Full

	
2 years

	
1 Month

	
269

	  	
Full

	
2 years

	
1 Month

	
270

	  	
Full

	
2 years

	
1 Month

	
271

	
6781.00

	
Full

	
2 years

	
1 Month

	
272

	  	
Full

	
2 years

	
1 Month

	
273

	  	
Full

	
2 years

	
1 Month

	
274

	  	
Full

	
2 years

	
1 Month

	
275

	  	
Full

	
2 years

	
1 Month

	
276

	  	
Full

	
2 years

	
1 Month

	
277

	  	
Full

	
2 years

	
1 Month

	
278

	  	
Full

	
2 years

	
2 Months

	
279

	  	
Full

	
2 years

	
1 Month

	
280

	  	
Full

	
2 years

	
1 Month

	
281

	  	
Full

	
2 years

	
2 Months

	
282

	  	
Full

	
2 years

	
2 Months

	
283

	  	
Full

	
2 years

	
2 Months

	
284

	  	
Full

	
2 years

	
1 Month

	
285

	  	
Full

	
2 years

	
2 Months

	
286

	  	
Full

	
2 years

	
2 Months

	
287

	  	
Full

	
2 years

	
2 Months

	
288

	  	
Full

	
2 years

	
2 Months

	
289

	  	
Full

	
2 years

	
1 Month

	
290

	  	
Full

	
2 years

	
1 Month

	
291

	  	
Full

	
2 years

	
1 Month

	
292

	  	
Full

	
2 years

	
2 Months

	
293

	  	
Full

	
2 years

	
1 Month

	
294

	  	
Full

	
2 years

	
1 Month

	
295

	  	
Full

	
2 years

	
2 Months

	
296

	  	
Full

	
2 years

	
2 Months

	
297

	  	
Full

	
2 years

	
1 Month

	
298

	  	
Full

	
2 years

	
2 Months

	
299

	  	
Full

	
2 years

	
2 Months

	
300

	  	
Full

	
2 years

	
2 Months

	
301

	  	
Full

	
2 years

	
2 Months

	
302

	  	
Full

	
2 years

	
2 Months

	
303

	  	
Full

	
2 years

	
2 Months

	
304

	  	
Full

	
2 years

	
2 Months

	
305

	  	
Full

	
2 years

	
2 Months

	
306

	  	
Full

	
2 years

	
2 Months

	
307

	  	
Full

	
2 years

	
2 Months

	
308

	  	
Full

	
2 years

	
2 Months

	
309

	  	
Full

	
2 years

	
2 Months

	
310

	  	
Full

	
2 years

	
2 Months

	
311

	  	
Full

	
2 years

	
1 Month

	
312

	  	
Full

	
2 years

	
2 Months

	
313

	  	
Full

	
2 years

	
1 Month

	
314

	  	
Full

	
2 years

	
2 Months

	
315

	  	
Full

	
2 years

	
2 Months

	
316

	  	
Full

	
2 years

	
2 Months

	
317

	  	
Full

	
2 years

	
2 Months

	
318

	  	
Full

	
2 years

	
2 Months

	
319

	  	
Full

	
2 years

	
2 Months

	
320

	  	
Full

	
2 years

	
2 Months

	
321

	  	
Full

	
2 years

	
2 Months

	
322

	  	
Full

	
2 years

	
2 Months

	
323

	  	
Full

	
2 years

	
2 Months

	
324

	  	
Full

	
2 years

	
2 Months

	
325

	  	
Full

	
2 years

	
2 Months

	
326

	  	
Full

	
2 years

	
2 Months

	
327

	  	
Full

	
2 years

	
1 Month

	
328

	  	
Full

	
2 years

	
2 Months

	
329

	  	
Full

	
2 years

	
2 Months

	
330

	  	
Full

	
2 years

	
2 Months

	
331

	  	
Full

	
2 years

	
2 Months

	
332

	  	
Full

	
2 years

	
2 Months

	
333

	  	
Full

	
2 years

	
2 Months

	
334

	  	
Full

	
2 years

	
2 Months

	
335

	  	
Full

	
2 years

	
2 Months

	
336

	  	
Full

	
2 years

	
2 Months

	
337

	  	
Full

	
2 years

	
2 Months

	
338

	  	
Full

	
2 years

	
2 Months

	
339

	  	
Full

	
2 years

	
2 Months

	
340

	  	
Full

	
2 years

	
2 Months

	
341

	  	
Full

	
2 years

	
2 Months

	
342

	  	
Full

	
2 years

	
2 Months

	
343

	  	
Full

	
2 years

	
2 Months

	
344

	  	
Full

	
2 years

	
1 Month

	
345

	  	
Full

	
2 years

	
2 Months

	
346

	  	
Full

	
2 years

	
2 Months

	
347

	  	
Full

	
2 years

	
2 Months

	
348

	  	
Full

	
2 years

	
2 Months

	
349

	  	
Full

	
2 years

	
2 Months

	
350

	  	
Full

	
2 years

	
2 Months

	
351

	  	
Full

	
2 years

	
2 Months

	
352

	  	
Full

	
2 years

	
2 Months

	
353

	  	
Full

	
2 years

	
2 Months

	
354

	  	
Full

	
2 years

	
2 Months

	
355

	  	
Full

	
2 years

	
2 Months

	
356

	  	
Full

	
2 years

	
2 Months

	
357

	  	
Full

	
2 years

	
2 Months

	
358

	  	
Full

	
2 years

	
2 Months

	
359

	  	
Full

	
2 years

	
2 Months

	
360

	  	
Full

	
2 years

	
2 Months

	
361

	  	
Full

	
2 years

	
2 Months

	
362

	  	
Full

	
2 years

	
2 Months

	
363

	  	
Full

	
2 years

	
2 Months

	
364

	  	
Full

	
2 years

	
2 Months

	
365

	  	
Full

	
2 years

	
2 Months

	
366

	  	
Full

	
2 years

	
2 Months

	
367

	  	
Full

	
2 years

	
2 Months

	
368

	  	
Full

	
2 years

	
2 Months

	
369

	  	
Full

	
2 years

	
2 Months

	
370

	  	
Full

	
2 years

	
2 Months

	
371

	  	
Full

	
2 years

	
2 Months

	
372

	  	
Full

	
2 years

	
2 Months

	
373

	  	
Full

	
2 years

	
2 Months

	
374

	  	
Full

	
2 years

	
2 Months

	
375

	  	
Full

	
2 years

	
2 Months

	
376

	  	
Full

	
2 years

	
2 Months

	
377

	  	
Full

	
2 years

	
2 Months

	
378

	  	
Full

	
2 years

	
2 Months

	
379

	  	
Full

	
2 years

	
2 Months

	
380

	  	
Full

	
2 years

	
2 Months

	
381

	  	
Full

	
2 years

	
2 Months

	
382

	  	
Full

	
2 years

	
2 Months

	
383

	  	
Full

	
2 years

	
2 Months

	
384

	  	
Full

	
2 years

	
2 Months

	
385

	  	
Full

	
2 years

	
2 Months

	
386

	  	
Full

	
2 years

	
2 Months

	
387

	  	
Full

	
2 years

	
2 Months

	
388

	  	
Full

	
2 years

	
2 Months

	
389

	
7306.00

	
Full

	
2 years

	
2 Months

	
390

	  	
Full

	
2 years

	
2 Months

	
391

	  	
Full

	
2 years

	
2 Months

	
392

	  	
Full

	
2 years

	
2 Months

	
393

	  	
Full

	
2 years

	
2 Months

	
394

	  	
Full

	
2 years

	
2 Months

	
395

	  	
Full

	
2 years

	
2 Months

	
396

	  	
Full

	
2 years

	
2 Months

	
397

	  	
Full

	
2 years

	
2 Months

	
398

	  	
Full

	
2 years

	
2 Months

	
399

	  	
Full

	
2 years

	
2 Months

	
400

	  	
Full

	
2 years

	
2 Months

	
401

	  	
Full

	
2 years

	
2 Months

	
402

	  	
Full

	
2 years

	
2 Months

	
403

	  	
Full

	
1 year

	
2 Months

	
404

	  	
Full

	
2 years

	
2 Months

	
405

	  	
Full

	
2 years

	
2 Months

	
406

	  	
Full

	
2 years

	
2 Months

	
407

	  	
Full

	
1 year

	
2 Months

	
408

	  	
Full

	
2 years

	
2 Months

	
409

	  	
Full

	
2 years

	
2 Months

	
410

	  	
Full

	
2 years

	
2 Months

	
411

	  	
Full

	
2 years

	
2 Months

	
412

	  	
Full

	
2 years

	
2 Months

	
413

	  	
Full

	
2 years

	
2 Months

	
414

	  	
Full

	
2 years

	
2 Months

	
415

	  	
Full

	
1 year

	
2 Months

	
416

	  	
Full

	
2 years

	
2 Months

	
417

	  	
Full

	
1 year

	
2 Months

	
418

	  	
Full

	
2 years

	
1 Month

	
419

	  	
Full

	
2 years

	
2 Months

	
420

	  	
Full

	
2 years

	
2 Months

	
421

	  	
Full

	
2 years

	
2 Months

	
422

	  	
Full

	
2 years

	
2 Months

	
423

	  	
Full

	
2 years

	
2 Months

	
424

	  	
Full

	
2 years

	
2 Months

	
425

	  	
Full

	
2 years

	
2 Months

	
426

	  	
Full

	
2 years

	
2 Months

	
427

	  	
Full

	
2 years

	
2 Months

	
428

	  	
Full

	
2 years

	
2 Months

	
429

	  	
Full

	
2 years

	
1 Month

	
430

	  	
Full

	
2 years

	
2 Months

	
431

	  	
Full

	
2 years

	
1 Month

	
432

	  	
Full

	
2 years

	
2 Months

	
433

	  	
Full

	
2 years

	
2 Months

	
434

	  	
Full

	
2 years

	
2 Months

	
435

	  	
Full

	
2 years

	
2 Months

	
436

	  	
Full

	
2 years

	
2 Months

	
437

	  	
Full

	
2 years

	
2 Months

	
438

	  	
Full

	
2 years

	
2 Months

	
439

	  	
Full

	
2 years

	
2 Months

	
440

	  	
Full

	
2 years

	
2 Months

	
441

	  	
Full

	
2 years

	
2 Months

	
442

	  	
Full

	
2 years

	
2 Months

	
443

	  	
Full

	
2 years

	
2 Months

	
444

	  	
Full

	
2 years

	
2 Months

	
445

	  	
Full

	
2 years

	
2 Months

	
446

	  	
Full

	
2 years

	
2 Months

	
447

	  	
Full

	
2 years

	
2 Months

	
448

	  	
Full

	
2 years

	
2 Months

	
449

	  	
Full

	
2 years

	
2 Months

	
450

	  	
Full

	
2 years

	
2 Months

	
451

	  	
Full

	
2 years

	
1 Month

	
452

	  	
Full

	
2 years

	
1 Month

	
453

	  	
Full

	
2 years

	
2 Months

	
454

	  	
Full

	
2 years

	
2 Months

	
455

	  	
Full

	
2 years

	
2 Months

	
456

	  	
Full

	
2 years

	
2 Months

	
457

	  	
Full

	
2 years

	
2 Months

	
458

	  	
Full

	
2 years

	
2 Months

	
459

	  	
Full

	
2 years

	
2 Months

	
460

	  	
Full

	
2 years

	
2 Months

	
461

	  	
Full

	
2 years

	
2 Months

	
462

	  	
Full

	
2 years

	
2 Months

	
463

	  	
Full

	
2 years

	
2 Months

	
464

	  	
Full

	
2 years

	
2 Months

	
465

	  	
Full

	
2 years

	
2 Months

	
466

	  	
Full

	
2 years

	
2 Months

	
467

	  	
Full

	
2 years

	
1 Month

	
468

	  	
Full

	
2 years

	
1 Month

	
469

	  	
Full

	
2 years

	
2 Months

	
470

	  	
Full

	
2 years

	
2 Months

	
471

	  	
Full

	
2 years

	
2 Months

	
472

	  	
Full

	
2 years

	
2 Months

	
473

	  	
Full

	
2 years

	
2 Months

 

  

  

  

 

 

 

ASF RMBS DISCLOSURE PACKAGE

The American Securitization Forum is a broad-based professional forum through which participants in the U.S. securitization market advocate their common interests on important legal, regulatory and market practice issues. ASF members include over 380 firms, including issuers, investors, servicers, financial intermediaries, rating agencies, financial guarantors, legal and accounting firms, and other professional organizations involved in securitization transactions. The ASF also provides information, education and training on a range of securitization market issues and topics through industry conferences, seminars and similar initiatives. For more information about ASF, its members and activities, please go to www.americansecuritization.com.

 

	
Field Number

	
Field Name

	
Field Description

	
Type of 

Field

	
Data 

Type

	
Sample 

Data

	
Format

	
When 

Applicable?

	
Valid 

Values

	
Proposed 

Unique Coding

	
Notes

	
1

	
Primary Servicer

	
The MERS Organization ID of the company that has or will have the right to service the loan.

	
General Information

	
Numeric – Integer

	
2351805

	
9(7)

	
Always

	
”9999999” if Unknown

	  	  
	
2

	
Servicing Fee—Percentage

	
Aggregate monthly fee paid to all servicers, stated in decimal form.

	
General Information

	
Numeric - Decimal

	
0.0025

	
9.999999

	
Loans without flat-dollar servicing fees

	
>= 0 and < 1

	  	
Must be populated if Field 3 is Null

	
3

	
Servicing Fee—Flat-dollar

	
Aggregate monthly fee paid to all servicers, stated as a dollar amount.

	
General Information

	
Numeric – Decimal

	
7.5

	
9(3).99

	
Loans with flat-dollar servicing fees

	
>= 0 and

<= 999

	  	
Must be populated if 2 is Null

	
4

	
Servicing Advance Methodology

	
The manner in which principal and/or interest are to be advanced by the servicer.

	
General Information

	
Numeric – Integer

	
2

	
99

	
Always

	
See Coding

	
1 = Scheduled Interest, Scheduled Principal

2 = Actual Interest, Actual Principal

3 = Scheduled Interest, Actual Principal

99 = Unknown

	  
	
5

	
Originator

	
The MERS Organization ID of the entity that lends funds to the borrower and, in return, places a lien on the mortgage property as collateral.

	
General Information

	
Numeric – Integer

	
5938671

	
9(7)

	
Always

	
”9999999” if Unknown

	  	  
	
6

	
Loan Group

	
Indicates the collateral group number in which the loan falls (for structures with multiple collateral groups). Use “1” if there is only one loan group.

	
General Information

	
Text

	
1A

	
XXXX

	
Always

	
“UNK” if Unknown

	  	  
	
7

	
Loan Number

	
Unique National Mortgage Loan ID Number (Vendor TBD).

	
General Information

	
Numeric – Integer

	
TBD

	
TBD

	
Always

	
TBD

	  	
Details to be provided by Vendor

	
8

	
Amortization Type

	
Indicates whether the loan’s interest rate is fixed or adjustable (Hybrid ARMs are adjustable).

	
Loan Type

	
Numeric – Integer

	
2

	
99

	
Always

	
See Coding

	
1 = Fixed

2 = Adjustable

99 = Unknown

	  
	
9

	
Lien Position

	
A number indicating the loan’s lien position (1 = first lien, etc.).

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
>0

	
99 = Unknown

	  
	
10

	
HELOC Indicator

	
Indicates whether the loan is a home equity line of credit.

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
11

	
Loan Purpose

	
Indicates the purpose of the loan.

	
Loan Type

	
Numeric – Integer

	
9

	
99

	
Always

	
See Coding

	
See Appendix A

	  
	
12

	
Cash Out Amount

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

 

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

	
Loan Type

	
Numeric – Decimal

	
72476.5

	
9(10).99

	
Always

	
>= 0

	  	  
	
13

	
Total Origination and Discount Points (in dollars)

	
Amount paid to the lender to increase the lender’s effective yield and, in the case of discount points, to reduce the interest rate paid by the borrower.

	
Loan Type

	
Numeric – Decimal

	
5250

	
9(10).99

	
Always

	
>= 0

	  	
Typically Lines 801 and 802 of HUD Settlement Statement

	
14

	
Covered/High Cost Loan Indicator

	
Indicates whether the loan is categorized as “high cost” or “covered” according to state or federal statutes or regulations.

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
15

	
Relocation Loan Indicator

	
Indicates whether the loan is part of a corporate relocation program.

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
16

	
Broker Indicator

	
Indicates whether a broker took the application.

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
17

	
Channel

	
Code indicating the source (channel) from which the Issuer obtained the mortgage loan.

	
Loan Type

	
Numeric – Integer

	
2

	
99

	
Always

	
See Coding

	
1 = Retail

2 = Broker

3 = Correspondent Bulk

4 = Correspondent Flow with delegated underwriting

5 = Correspondent Flow without delegated underwriting

99 = Unknown

	  
	
18

	
Escrow Indicator

	
Indicates whether various homeownership expenses are paid by the borrower directly or through an escrow account (as of securitization cut-off date).

	
Loan Type

	
Numeric – Integer

	
3

	
99

	
Always

	
See Coding

	
0 = No Escrows

1 = Taxes

2 = Insurance

3 = HOA dues

4 = Taxes and Insurance

5 = All

99 =Unknown

	  
	
19

	
Senior Loan Amount(s)

	
For non-first mortgages, the sum of the balances of all associated senior mortgages at the time of origination of the subordinate lien.

	
Mortgage Lien Info

	
Numeric – Decimal

	
611004.25

	
9(10).99

	
If Lien Position > 1

	
>= 0

	  	  
	
20

	
Loan Type of Most Senior Lien

	
For non-first mortgages, indicates whether the associated first mortgage is a Fixed, ARM, Hybrid, or negative amortization loan.

	
Mortgage Lien Info

	
Numeric – Integer

	
2

	
99

	
If Lien Position > 1

	
See Coding

	
1 = Fixed Rate

2 = ARM

3 = Hybrid

4 = Neg Am

99 = Unknown

	  
	
21

	
Hybrid Period of Most Senior Lien (in months)

	
For non-first mortgages where the associated first mortgage is a hybrid ARM, the number of months remaining in the initial fixed interest rate period for the hybrid first mortgage.

	
Mortgage Lien Info

	
Numeric – Integer

	
23

	
999

	
If Lien Position > 1

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

	
>= 0

	  	  
	
22

	
Neg Am Limit of Most Senior Lien

	
For non-first mortgages where the associated first mortgage features negative amortization, the maximum percentage by which the negatively amortizing balance may increase (expressed as a proportion of the senior lien’s original balance).

	
Mortgage Lien Info

	
Numeric – Decimal

	
1.25

	
9.999999

	
If Lien Position > 1

AND the senior lien is Neg Am (see Field 20)

	
>= 1 and <= 2

	  	  
	
23

	
Junior Mortgage Balance

	
For first mortgages with subordinate liens at the time of origination, the combined balance of the subordinate liens (if known).

	
Mortgage Lien Info

	
Numeric – Decimal

	
51775.12

	
9(10).99

	
If Lien Position = 1 and there is a 2nd lien on the subject property

	
>= 0

	  	
Subject to Regulatory Confirmation

	
24

	
Origination Date of Most Senior Lien

	
For non-first mortgages, the origination date of the associated first mortgage.

	
Mortgage Lien Info

	
Date

	
20090914

	
YYYYMMDD

	
If Lien Position > 1 and there is a 2nd lien on the subject property

	
“19010101” if unknown

	  	  
	
25

	
Origination Date

	
The date of the Mortgage Note and Mortgage/Deed of Trust

	
Loan Term and Amortization Type

	
Date

	
20090914

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	  	  
	
26

	
Original Loan Amount

	
The dollar amount of the mortgage loan, as specified on the mortgage note at the time of the loan’s origination. For HELOCs, the maximum available line of credit.

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
150000

	
9(10).99

	
Always

	
>0

	  	  
	
27

	
Original Interest Rate

	
The original note rate as indicated on the mortgage note.

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
0.0475

	
9.999999

	
Always

	
> 0 and <= 1

	  	  
	
28

	
Original Amortization Term

	
The number of months in which the loan would be retired if the amortizing principal and interest payment were to be paid each month.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
360

	
999

	
Always

	
>= 60

	  	  
	
29

	
Original Term to Maturity

	
The initial number of months between loan origination and the loan maturity date, as specified on the mortgage note.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
60

	
999

	
Always

	
>0

	
N/A

	  
	
30

	
First Payment Date of Loan

	
The date of the first scheduled mortgage payment to be made by the borrower as specified on the mortgage note.

	
Loan Term and Amortization Type

	
Date

	
20090914

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	
N/A

	  
	
31

	
Interest Type Indicator

	
Indicates whether the interest rate calculation method is simple or actuarial.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
2

	
99

	
Always

	
See Coding

	
1= Simple

2 = Actuarial

99 = Unknown

	  
	
32

	
Original Interest Only Term

	
Original interest-only term for a loan in months (including NegAm Loans).

	
Loan Term and Amortization Type

	
Numeric – Integer

	
60

	
999

	
Always

	
>= 0 and <= 240

Unknown = Blank;

No Interest Only Term = 0

	  	  
	
33

	
Buy Down Period

	
The total number of months during which any buy down is in effect, representing the accumulation of all buy down periods.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
65

	
999

	
Always

	
>= 0 and <= 100

Unknown = Blank;

No Buy Down = 0

	  	  
	
34

	
HELOC Draw Period

	
The original number of months during which the borrower may draw funds against the HELOC account.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
24

	
999

	
HELOCs Only

	
>= 12 and <= 120

	  	  
	
35

	
Scheduled Loan Amount

	
Mortgage loan scheduled principal balance as of cut-off date. For HELOCs, the current drawn amount.

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
248951.19

	
9(10).99

	
Always

	
>= 0

	  	  
	
36

	
Current Interest Rate

	
The interest rate used to calculate the current P&I or I/O payment.

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
0.05875

	
9.999999

	
Always

	
> 0 and <= 1

	  	  
	
37

	
Current Payment Amount Due

	
Next Total Payment due to be collected (including principal, interest or both—but Exclude Escrow Amounts).

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
1250.15

	
9(10).99

	
Always

	
> 0

	  	  
	
38

	
Scheduled Interest Paid

Through Date

	  	
Loan Term and Amortization Type

	
Date

	
20090429

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	  	  
	
39

	
Current Payment Status

	
Number of payments the borrower is past due as of the securitization cut-off date.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
3

	
99

	
Always

	
>= 0

	  	  
	
40

	
Index Type

	
Specifies the type of index to be used to determine the interest rate at each adjustment.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
18

	
99

	
ARMs Only

	
See Coding

	
See Appendix B

	  
	
41

	
ARM Look-back Days

	
The number of days prior to the interest rate adjustment date to retrieve the index value.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
45

	
99

	
ARMs Only

	
>= 0 to <=99

	  	  
	
42

	
Gross Margin

	
The percentage stated on the mortgage note representing the spread between the ARM Index value and the mortgage interest rate. The gross mortgage margin is added to the index value to establish a new gross interest rate in the manner prescribed on the mortgage note.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.03

	
9.999999

	
ARMs Only

	
>0 and <= 1

	  	  
	
43

	
ARM Round Flag

	
An indicator of whether an adjusted interest rate is rounded to the next higher ARM round factor, to the next lower round factor, or to the nearest round factor.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
3

	
9

	
ARMs Only

	
See Coding

	
0 = No Rounding

1 = Up

2 = Down

3 = Nearest

99=Unknown

	  
	
44

	
ARM Round Factor

	
The percentage to which an adjusted interest rate is to be rounded.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.0025 or 0.00125

	
9.999999

	
ARMs Only

Where ARM Round Flag = 1, 2, or 3

	
>= 0 and < 1

	  	  
	
45

	
Initial Fixed Rate Period

	
For hybrid ARMs, the period between the first payment date of the mortgage and the first interest rate adjustment date.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
60

	
999

	
Hybrid ARMs Only

	
>= 1 to <=240

	  	  
	
46

	
Initial Interest Rate Cap (Change Up)

	
The maximum percentage by which the mortgage note rate may increase at the first interest rate adjustment date.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
47

	
Initial Interest Rate  Cap (Change Down)

	
The maximum percentage by which the mortgage note rate may decrease at the first interest rate adjustment date.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
48

	
Subsequent Interest Rate Reset Period

	
The number of months between subsequent rate adjustments.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
60

	
999

	
ARMs Only

	
>=0 and <= 120

	  	
0 = Loan does not adjust after initial reset

	
49

	
Subsequent Interest Rate (Change Down)

	
The maximum percentage by which the interest rate may decrease at each rate adjustment date after the initial adjustment.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
50

	
Subsequent Interest Rate Cap (Change Up)

	
The maximum percentage by which the interest rate may increase at each rate adjustment date after the initial adjustment.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
51

	
Lifetime Maximum Rate (Ceiling)

	
The maximum interest rate that can be in effect during the life of the loan.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.125

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	  	
=1 if no ceiling specified

	 
	 
	
52

	
Lifetime Minimum Rate (Floor)

	
The minimum interest rate that can be in effect during the life of the loan.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.015

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	  	
If no floor is specified enter the greater of the margin or 0.

	
53

	
Negative Amortization Limit

	
The maximum amount of negative amortization allowed before recast is required. (Expressed as a percentage of the original unpaid principal balance.)

	
Negative Amortization

	
Numeric – Decimal

	
1.25

	
9.999999

	
Negatively Amortizing ARMs Only

	
>=0, and <2

	  	  
	
54

	
Initial Negative Amortization Recast Period

	
The number of months in which the payment is required to recast if the loan does not reach the prescribed maximum balance earlier.

	
Negative Amortization

	
Numeric – Integer

	
60

	
999

	
Negatively Amortizing ARMs Only

	
>=0

	  	  
	
55

	
Subsequent Negative Amortization Recast Period

	
The number of months after which the payment is required to recast AFTER the first recast period.

	
Negative Amortization

	
Numeric – Integer

	
48

	
999

	
Negatively Amortizing ARMs Only

	
>=0

	  	  
	
56

	
Initial Fixed Payment Period

	
Number of months after origination during which the payment is fixed.

	
Negative Amortization

	
Numeric – Integer

	
60

	
999

	
Negatively Amortizing Hybrid ARMs Only

	
>= 0 to <=120

	  	  
	
57

	
Subsequent Payment Reset Period

	
Number of months between payment adjustments after first payment reset.

	
Negative Amortization

	
Numeric – Integer

	
12

	
999

	
Negatively Amortizing ARMs Only

	
>= 0 to <=120

	  	  
	
58

	
Initial Periodic Payment Cap

	
The maximum percentage by which a payment can change (increase or decrease) in the first period.

	
Negative Amortization

	
Numeric – Decimal

	
0.075

	
9.999999

	
Negatively Amortizing ARMs Only

	
>= 0 and < 1

	  	  
	
59

	
Subsequent Periodic Payment Cap

	
The maximum percentage by which a payment can change (increase or decrease) in one period after the initial cap.

	
Negative Amortization

	
Numeric – Decimal

	
0.075

	
9.999999

	
Negatively Amortizing ARMs Only

	
>= 0 and < 1

	  	  
	
60

	
Initial Minimum Payment Reset Period

	
The maximum number of months a borrower can initially pay the minimum payment before a new minimum payment is determined.

	
Negative Amortization

	
Numeric – Integer

	
12

	
999

	
Negatively Amortizing ARMs Only

	
>= 0 to <=120

	  	  
	
61

	
Subsequent Minimum Payment Reset Period

	
The maximum number of months (after the initial period) a borrower can pay the minimum payment before a new minimum payment is determined after the initial period.

	
Negative Amortization

	
Numeric – Integer

	
12

	
999

	
Negatively Amortizing ARMs Only

	
>= 0 to <=120

	  	  
	
62

	
Option ARM Indicator

	
An indicator of whether the loan is an Option ARM.

	
Negative Amortization

	
Numeric – Integer

	
1

	
99

	
ARMs Only

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
63

	
Options at Recast

	
The means of computing the lowest monthly payment available to the borrower after recast.

	
Option ARM

	
Numeric – Integer

	
2

	
99

	
Option ARMs Only

	
N/A

	
1= Fully amortizing 30 year

2= Fully amortizing 15 year

3=Fully amortizing 40 year

4 = Interest-Only

5 = Minimum Payment

99= Unknown

	  
	
64

	
Initial Minimum Payment

	
The initial minimum payment the borrower is permitted to make.

	
Option ARM

	
Numeric – Decimal

	
879.52

	
99

	
Option ARMs Only

	
>=0

	  	  
	
65

	
Current Minimum Payment

	
Current Minimum Payment (in dollars).

	
Negative Amortization

	
Numeric – Decimal

	
250

	
9(10).99

	
Option ARMs Only

	
>= 0

	  	  
	
66

	
Prepayment Penalty Calculation

	
A description of how the prepayment penalty would be calculated during each phase of the prepayment penalty term.

	
Prepayment Penalties

	
Numeric – Integer

	
12

	
99

	
Always

	
See Coding

	
See Appendix C

	  
	
67

	
Prepayment Penalty Type

	

• Hard: The prepayment penalty is incurred regardless of the reason the loan is prepaid in full.

• Hybrid: The prepayment penalty can be characterized as hard for a certain amount of time and as soft during another period.

	
Prepayment Penalties

	
Numeric – Integer

	
1

	
99

	
All loans with Prepayment Penalties (i.e., loans for which Field 66 = something other than “0”)

	
See Coding

	
1 = Hard

2 = Soft

3 = Hybrid

99 = Unknown

	  
	
68

	
Prepayment Penalty Total Term

	
The total number of months that the prepayment penalty may be in effect.

	
Prepayment Penalties

	
Numeric – Integer

	
60

	
999

	
All loans with Prepayment Penalties (i.e., loans for which Field 66 = something other than “0”)

	
>0 to <=120

	  	  
	
69

	
Prepayment Penalty Hard Term

	
For hybrid prepayment penalties, the number of months during which a “hard” prepayment penalty applies.

	
Prepayment Penalties

	
Numeric – Integer

	
12

	
999

	
Loans with Hybrid Prepayment Penalties (i.e., loans for which Field 67 = “3”)

	
>= 0 to <=120

	  	  
	
70

	
Primary Borrower ID

	
A lender-generated ID number for the primary borrower on the mortgage

	
Borrower

	
Numeric—Integer

	
123456789

	
999999999

	
Always

	
>0

	  	
Used to identify the number of times a single borrower appears in a given deal.

	
71

	
Number of Mortgaged Properties

	
The number of properties owned by the borrower that currently secure mortgage loans.

	
Borrower

	
Numeric – Integer

	
1

	
99

	
Always

	
> 0

	  	  
	
72

	
Total Number of Borrowers

	
The number of Borrowers who are obligated to repay the mortgage note.

	
Borrower

	
Numeric – Integers

	
2

	
99

	
Always

	
> 0

	  	  
	
73

	
Self-employment Flag

	
An indicator of whether the primary borrower is self-employed.

	
Borrower

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
74

	
Current ‘Other’ Monthly Payment

	
The aggregate of all payments pertaining to the subject property other than principal and interest (includes common charges, condo fees, T&I, HOA, etc.), whether escrowed or not.

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
1789.25

	
9(10).99

	
Always

	
> 0

	  	  
	
75

	
Length of Employment: Borrower

	
The number of years of service with the borrower’s current employer as of the date of the loan.

	
Borrower Qualification

	
Numeric – Decimal

	
3.5

	
99.99

	
Always

	
>=0

	
99 = Retired, None employment income soure (social security, trust income, dividends, etc.)

	  
	
76

	
Length of Employment: Co-Borrower

	
The number of years of service with the co-borrower’s current employer as of the date of the loan.

	
Borrower Qualification

	
Numeric – Decimal

	
3.5

	
99.99

	
If “Total Number of Borrowers” > 1

	
>= 0

	
99 = Retired, None employment income soure (social security, trust income, dividends, etc.)

	  
	
77

	
Years in Home

	
Length of time that the borrower has been at current address.

	
Borrower Qualification

	
Numeric – Decimal

	
14.5

	
99.99

	
Refinances of Primary Residences Only (Loan Purpose = 1, 2, 3, 4, 8 or 9)

	
> 0

	  	  
	
78

	
FICO Model Used

	
Indicates whether the FICO score was calculated using the Classic, Classic 08, or Next Generation model.

	
Borrower Qualification

	
Numeric – Integer

	
1

	
99

	
If a FICO score was obtained

	
See Coding

	
1 = Classic

2 = Classic 08

3 = Next Generation

99 = Unknown

	  
	
79

	
Most Recent FICO Date

	
Specifies the date on which the most recent FICO score was obtained

	
Borrower Qualification

	
Date

	
20090914

	
YYYYMMDD

	
If a FICO score was obtained

	
“19010101” if unknown

	  	
Issuers unable to Provide may Rep and Warrant that the FICO score used for underwriting was not more than 4 months old at the date of issuance.

	
80

	
Primary Wage Earner Original FICO:  Equifax

	
Equifax FICO score for primary borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
81

	
Primary Wage Earner Original FICO:  Experian

	
Experian FICO score for primary borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
82

	
Primary Wage Earner Original FICO:  TransUnion

	
TransUnion FICO score for primary borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
83

	
Secondary Wage Earner Original FICO:  Equifax

	
Equifax FICO score for Co-borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
84

	
Secondary Wage Earner Original FICO:  Experian

	
Experian FICO score for Co-borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
85

	
Secondary Wage Earner Original FICO: TransUnion

	
TransUnion FICO score for Co-borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
86

	
Most Recent Primary Borrower FICO

	
Most Recent Primary Borrower FICO score used by the lender to approve the loan.

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
87

	
Most Recent Co-Borrower FICO

	
Most Recent Co-Borrower FICO score used by the lender to approve the loan.

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
88

	
Most Recent FICO Method

	
Number of credit repositories used to update the FICO Score.

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If a FICO score was obtained

	
>0

	  	  
	
89

	
VantageScore: Primary Borrower

	
Credit Score for the Primary Borrower used to approve the loan and obtained using the Vantage credit evaluation model.

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a Vantage Credit Score was obtained

	
>= 501 and <= 990

	  	  
	
90

	
VantageScore: Co-Borrower

	
Credit Score for the Co-borrower used to approve the loan and obtained using the Vantage credit evaluation model.

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a VantageScore was obtained AND “Total Number of Borrowers” > 1

	
>= 501 and <= 990

	  	  
	
91

	
Most Recent VantageScore Method

	
Number of credit repositories used to update the Vantage Score.

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If a Vantage Credit Score was obtained

	
>0

	  	  
	
92

	
VantageScore Date

	
Date Vantage Credit Score was obtained.

	
Borrower Qualification

	
Date

	
20090914

	
YYYYMMDD

	
If a Vantage Credit Score was obtained

	
“19010101” if unknown

	  	  
	
93

	
Credit Report: Longest Trade Line

	
The length of time in months that the oldest active trade line, installment or revolving, has been outstanding. For a loan with more than one borrower, populate field based on status for the primary borrower.

	
Borrower Qualification

	
Numeric – Integer

	
999

	
999

	
Always

	
> =0

	  	
Subject to Regulatory Confirmation

	
94

	
Credit Report: Maximum Trade Line

	
The dollar amount for the trade line, installment or revolving, with the largest unpaid balance. For revolving lines of credit, e.g. credit card, the dollar amount reported should reflect the maximum amount of credit available under the credit line whether used or not. For a loan with more than one borrower, populate field based on status for the primary borrower.

	
Borrower Qualification

	
Numeric – Decimal

	
339420.19

	
9(10).99

	
Always

	
>=0

	  	
Subject to Regulatory Confirmation

	
95

	
Credit Report: Number of Trade Lines

	
A count of non-derogatory, currently open and active, consumer trade lines (installment or revolving) for the borrower. For a loan with more than one borrower, populate field based on status for the primary borrower.

	
Borrower Qualification

	
Numeric – Integer

	
57

	
999

	
Always

	
>=0

	  	
Subject to Regulatory Confirmation

	
96

	
Credit Line Usage Ratio

	
Sum of credit balances divided by sum of total open credit available.

	
Borrower Qualification

	
Numeric – Decimal

	
0.27

	
9.999999

	
Always

	
>= 0 and <= 1

	  	
Subject to Regulatory Confirmation

	
97

	
Most Recent 12-month Pay History

	
String indicating the payment status per month listed from oldest to most recent.

	
Borrower Qualification

	
Text

	
77X123200001

	
X(12)

	
Always

	
See Coding

	
0 = Current

1 = 30-59 days delinquent

2 = 60-89 days delinquent

3 = 90-119 days delinquent

4 = 120+ days delinquent

5 = Foreclosure

6 = REO

7 = Loan did not exist in period

X = Unavailable

	  
	
98

	
Months Bankruptcy

	
Number of months since any borrower was discharged from bankruptcy. (Issuers unable to provide this information may rep and warrant that at least x years—as specified in the loan program—have passed since most recent discharge from bankruptcy.)

	
Borrower Qualification

	
Numeric – Integer

	
12

	
999

	
If Borrower has ever been in Bankruptcy

	
>= 0

	  	
Blank = Borrower is not known to have been in bankruptcy

	
99

	
Months Foreclosure

	
Number of months since foreclosure sale date. (Issuers unable to provide this information may rep and warrant that at least x years—as specified in the loan program— have passed since most recent foreclosure.)

	
Borrower Qualification

	
Numeric – Integer

	
12

	
999

	
If Borrower has ever been in Foreclosure

	
>= 0

	  	
Blank = Borrower is not known to have been in foreclosure

	
100

	
Primary Borrower Wage Income

	
Monthly base wage income for primary borrower.

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
101

	
Co-Borrower Wage Income

	
Monthly base wage income for all other borrowers.

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
If “Total Number of Borrowers” > 1

	
>= 0

	  	  
	
102

	
Primary Borrower Other Income

	
Monthly Other (non-wage) income for primary borrower. (This figure should include net rental income and be reduced by any net rental loss.)

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
103

	
Co-Borrower Other Income

	
Monthly Other (non-wage) income for all other borrowers. (This figure should include net rental income and be reduced by any net rental loss.)

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
If “Total Number of Borrowers” > 1

	
>= 0

	  	  
	
104

	
All Borrower Wage Income

	
Monthly income of all borrowers derived from base salary only.

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
105

	
All Borrower Total Income

	
Monthly income of all borrowers derived from base salary, commission, tips and gratuities, overtime and bonuses, part-time or second-job earnings, alimony, child support, interest and dividend income, notes receivable, trust income, net rental income, retirement income, social security, veterans income, military income, foster care income, and self-employed income.

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
106

	
4506-T Indicator

	
A yes/no indicator of whether a Transcript of Tax Return (received pursuant to the filing of IRS Form 4506-T) was obtained and considered.

	
Borrower Qualification

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
107

	
Borrower Income Verification Level

	
A code indicating the extent to which the borrower’s income has been verified:

Level 4 Income Verification = [W-2 (Prev. Yr.) OR TAX RETURNS* (Prev. Yr.)] AND PAY STUBS (YTD (at least one month)–if salaried)

Level 5 Income Verification = 24 months income verification (W-2s, pay stubs, bank statements and/or tax returns**)

	
Borrower Qualification

	
Numeric – Integer

	
1

	
9

	
Always

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, “Partially” Verified

4 = Stated, “Level 4” Verified  (as defined)

5 = Stated, “Level 5” Verified  (as defined)

	  
	
108

	
Co-Borrower Income Verification

	
A code indicating the extent to which the co-borrower’s income has been verified:

 

Level 4 Income Verification = [W-2 (Prev. Yr.) OR TAX RETURNS* (Prev. Yr.)] AND PAY STUBS (YTD (at least one month)–if salaried)

 

Level 5 Income Verification = 24 months income verification (W-2s, pay stubs, bank statements and/or tax returns**)

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If “Total Number of Borrowers” > 1

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, “Partially” Verified

4 = Stated, “Level 4” Verified  (as defined)

5 = Stated, “Level 5” Verified  (as defined)

	  
	
109

	
Borrower Employment Verification

	
A code indicating the extent to which the primary borrower’s employment has been verified:

 

Level 3 Verified = Direct Independent Verification with a third party of the borrower’s current employment.

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
Always

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, Level 3 Verified (as defined)

	  
	
110

	
Co-Borrower Employment Verification

	
A code indicating the extent to which the co-borrower’s employment has been verified:

 

Level 3 Verified = Direct Independent Verification with a third party of the co-borrower’s current employment.

	
Borrower Qualification

	
Numeric – Integer

	
1

	
9

	
If “Total Number of Borrowers” > 1

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, Level 3 Verified (as defined)

	  
	
111

	
Borrower Asset Verification

	
A code indicating the extent to which the primary borrower’s assets used to qualify the loan have been verified:

 

Level 4 Verified = 2 months of bank statements/balance documentation (written or electronic) for liquid assets (or gift letter).

 

	
Borrower Qualification

	
Numeric – Integer

	
3

	
9

	
Always

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, “Partially” Verified

4 = Stated, Level 4 Verified  (as defined)

	  
	
112

	
Co-Borrower Asset Verification

	
A code indicating the extent to which the co-borrower’s assets used to qualify the loan have been verified:

 

Level 4 = 2 months of bank statements/balance documentation (written or electronic) for liquid assets (or gift letter).

 

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If “Total Number of Borrowers” > 1

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, “Partially” Verified

4 = Stated, Level 4 Verified  (as defined)

	  
	
113

	
Liquid / Cash Reserves

	
The actual dollar amount of remaining verified liquid assets after settlement. (This should not include cash out amount of subject loan.)

	
Borrower Qualification

	
Numeric – Decimal

	
3242.76

	
9(9).99

	
Always

	
>= 0

	  	  
	
114

	
Monthly Debt All Borrowers

	
The aggregate monthly payment due on other debt (excluding only installment loans with fewer than 10 payments remaining and other real estate loans used to compute net rental income-- which is added/subtracted in the income fields).

	
Borrower Qualification

	
Numeric – Decimal

	
3472.43

	
9(9).99

	
Always

	
>= 0

	  	  
	
115

	
Originator DTI

	
Total Debt to income ratio used by the originator to qualify the loan.

	
Borrower Qualification

	
Numeric – Decimal

	
0.35

	
9.999999

	
Always

	
>= 0 and >= 1

	  	  
	
116

	
Fully Indexed Rate

	
The fully indexed interest rate as of securitization cut-off.

	
Borrower Qualification

	
Numeric – Decimal

	
0.0975

	
9.999999

	
ARMs Only

	
>= 0 and >= 1

	  	  
	
117

	
Qualification Method

	
Type of mortgage payment used to qualify the borrower for the loan.

	
Borrower Qualification

	
Numeric – Integer

	
3

	
99

	
Always

	
See Coding

	
1 = Start Rate

2 = First Year Cap Rate

3 = I/O Amount

4 = Fully Indexed

5 = Min Payment

98 = Other

99 = Unknown

	  
	
118

	
Percentage of Down Payment from Borrower Own Funds

	
Include only borrower funds, do not include any gift or borrowed funds. (Issuers may provide the actual percentage for each loan, or the guideline percentage and note departure concentration on the transaction summary.)

	
Borrower Qualification

	
Numeric – Decimal

	
0.5

	
9.999999

	
Purchase Loans Only

	
>= 0 and >= 1

	  	  
	
119

	
City

	
The name of the city.

	
Subject Property

	
Text

	
New York

	
X(45)

	
Always

	
Unk=Unknown

	  	  
	
120

	
State

	
The name of the state as a 2-digit Abbreviation.

	
Subject Property

	
Text

	
NY

	
XX

	
Always

	
See Coding

	
See Appendix H

	  
	
121

	
Postal Code

	
The postal code (zip code in the US) where the subject property is located.

	
Subject Property

	
Text

	
10022

	
X(5)

	
Always

	
Unk=Unknown

	  	  
	
122

	
Property Type

	
Specifies the type of property being used to secure the loan.

	
Subject Property

	
Numeric – Integer

	
11

	
99

	
Always

	
See Coding

	
See Appendix D

	  
	
123

	
Occupancy

	
Specifies the property occupancy status (e.g., owner-occupied, investment property, second home, etc.).

	
Subject Property

	
Numeric – Integer

	
4

	
9

	
Always

	
See Coding

	
See Appendix E

	  
	
124

	
Sales Price

	
The negotiated price of a given property between the buyer and seller.

	
Subject Property

	
Numeric – Decimal

	
450000.23

	
9(10).99

	
Purchase Loans Only

	
> 0

	  	  
	
125

	
Original Appraised Property Value

	
The appraised value of the property used to approve the loan.

	
Subject Property

	
Numeric – Decimal

	
550000.23

	
9(10).99

	
Always

	
> 0

	  	  
	
126

	
Original Property Valuation Type

	
Specifies the method by which the property value (at the time of underwriting) was reported.

	
Subject Property

	
Numeric – Integer

	
8

	
99

	
Always

	
See Coding

	
See Appendix F

	  
	
127

	
Original Property Valuation Date

	
Specifies the date on which the original property value (at the time of underwriting) was reported. (Issuers unable to provide may Rep and Warrant that the appraisal used for underwriting was not more than x days old at time of loan closing.)

	
Subject Property

	
Date

	
20090914

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	  	  
	
128

	
Original Automated Valuation Model (AVM) Model Name

	
The name of the AVM Vendor if an AVM was used to determine the original property valuation.

	
Subject Property

	
Numeric – Integer

	
1

	
99

	
Always

	
See Appendix I

	
See Appendix I

	  
	
129

	
Original AVM Confidence Score

	
The confidence range presented on the AVM report.

	
Subject Property

	
Numeric – Decimal

	
0.74

	
9.999999

	
If AVM Model Name (Field 127) > 0

	
>= 0 to <= 1

	  	  
	
130

	
Most Recent Property Value[1]

	
If a valuation was obtained subsequent to the valuation used to calculate LTV, the most recent property value.

	
Subject Property

	
Numeric – Decimal

	
500000

	
9(10).99

	
If updated value was obtained subsequent to loan approval

	
> 0

	  	  
	
131

	
Most Recent Property Valuation Type

	
If an additional property valuation was obtained after the valuation used for underwriting purposes, the method by which the property value was reported.

	
Subject Property

	
Numeric – Integer

	
6

	
9

	
If updated value was obtained subsequent to loan approval

	
See Coding

	
See Appendix F

	  
	
132

	
Most Recent Property Valuation Date

	
Specifies the date on which the updated property value was reported.

	
Subject Property

	
Date

	
20090914

	
YYYYMMDD

	
If updated value was obtained subsequent to loan approval

	
“19010101” if unknown

	  	  
	
133

	
Most Recent AVM Model Name

	
The name of the AVM Vendor if an AVM was used to determine the updated property valuation.

	
Subject Property

	
Numeric – Integer

	
19

	
99

	
If updated value was obtained subsequent to loan approval

	
See Coding

	
See Appendix I

	  
	
134

	
Most Recent AVM Confidence Score

	
If AVM used to determine the updated property valuation, the confidence range presented on the AVM report.

	
Subject Property

	
Numeric – Decimal

	
0.85

	
9.999999

	
If “Most Recent AVM Model Name” > 0

	
>= 0 to <= 1

	  	  
	
135

	
Original CLTV

	
The ratio obtained by dividing the amount of all known outstanding mortgage liens on a property at origination by the lesser of the appraised value or the sales price.

	
Loan-to-Value (LTV)

	
Numeric – Decimal

	
0.96

	
9.999999

	
Always

	
>= 0 and <= 1.5

	  	  
	
136

	
Original LTV

	
The ratio obtained by dividing the original mortgage loan amount on the note date by the lesser of the mortgaged property’s appraised value on the note date or its purchase price.

	
Loan-to-Value (LTV)

	
Numeric – Decimal

	
0.8

	
9.999999

	
Always

	
>= 0 and <= 1.25

	  	  
	
137

	
Original Pledged Assets

	
The total value of assets pledged as collateral for the loan at the time of origination. Pledged assets may include cash or marketable securities.

	
Loan-to-Value (LTV)

	
Numeric – Decimal

	
75000

	
9(10).99

	
Always

	
>=0

	  	  
	
138

	
Mortgage Insurance Company Name

	
The name of the entity providing mortgage insurance for a loan.

	
Mortgage Insurance

	
Numeric – Integer

	
3

	
99

	
Always

	
See Coding

	
See Appendix G

	  
	
139

	
Mortgage Insurance Percent

	
Mortgage Insurance coverage percentage.

	
Mortgage Insurance

	
Numeric – Decimal

	
0.25

	
9.999999

	
“Mortgage Insurance Company Name” > 0

	
>= 0 to <= 1

	  	  
	
140

	
MI: Lender or Borrower Paid?

	
An indicator of whether mortgage insurance is paid by the borrower or the lender.

	
Mortgage Insurance

	
Numeric – Integer

	
1

	
99

	
“Mortgage Insurance Company Name” > 0

	
See Coding

	
1 = Borrower-Paid

2 = Lender- Paid

99 = Unknown

	  
	
141

	
Pool Insurance Co. Name

	
Name of pool insurance provider.

	
Mortgage Insurance

	
Numeric – Integer

	
8

	
99

	
Always

	
See Coding

	
See Appendix G

	  
	
142

	
Pool Insurance Stop Loss %

	
The aggregate amount that a pool insurer will pay, calculated as a percentage of the pool balance.

	
Mortgage Insurance

	
Numeric – Decimal

	
0.25

	
9.999999

	
Pool MI Company > 0

	
>= 0 to <= 1

	  	  
	
143

	
MI Certificate Number

	
The unique number assigned to each individual loan insured under an MI policy.

	
Mortgage Insurance

	
Text

	
123456789G

	
X(20)

	
MI Company

> 0

	
UNK = Unknown

	  	  
	
144

	
Updated DTI

(Front-end)

	
Updated front-end DTI ratio (total monthly housing expense divided by total monthly income) used to qualify the loan modification.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
0.35

	
9.999999

	
Modified Loans Only

	
>= 0 and >= 1

	  	  
	
145

	
Updated DTI

(Back-end)

	
Updated back-end DTI ratio (total monthly debt expense divided by total monthly income) used to qualify the loan modification.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
0.35

	
9.999999

	
Modified Loans Only

	
>= 0 and >= 1

	  	  
	
146

	
Modification Effective Payment Date

	
Date of first payment due post modification.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Date

	
20090914

	
YYYYMMDD

	
Modified Loans Only

	
“19010101” if unknown

	  	  
	
147

	
Total Capitalized Amount

	
Amount added to the principal balance of a loan due to the modification.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
148

	
Total Deferred Amount

	
Any non-interest-bearing deferred amount (e.g., principal, interest and fees).

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
149

	
Pre-Modification Interest (Note) Rate

	
Scheduled Interest Rate Of The Loan Immediately Preceding The Modification Effective Payment Date.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
0.075

	
9.999999

	
Modified Loans Only

	
>= 0 to <= 1

	  	  
	
150

	
Pre-Modification P&I Payment

	
Scheduled Total Principal And Interest Payment Amount Preceding The Modification Effective Payment Date – or if servicer is no longer advancing P&I, the payment that would be in effect if the loan were current.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
2310.57

	
9(10).99

	
Modified Loans Only

	
> 0

	  	  
	
151

	
Pre-Modification Initial Interest Rate Change Downward Cap

	
Maximum amount the rate can adjust downward on the first interest rate adjustment date (prior to modification) – Only provide if the rate floor is modified.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
0.015

	
9.999999

	
Modified Loans Only

	
>= 0 to <= 1

	  	  
	
152

	
Pre-Modification Subsequent Interest Rate Cap

	
Maximum increment the rate can adjust upward AFTER the initial rate adjustment (prior to modification) – Only provide if the Cap is modified.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
0.015

	
9.999999

	
Modified Loans Only

	
>= 0 to <= 1

	  	  
	
153

	
Pre-Modification Next Interest Rate Change Date

	
Next Interest Reset Date Under The Original Terms Of The Loan (one month prior to new payment due date).

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Date

	
20090914

	
YYYYMMDD

	
Modified Loans Only

	
“19010101” if unknown

	  	  
	
154

	
Pre-Modification I/O Term

	
Interest Only Term (in months) preceding The Modification Effective Payment Date.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Integer

	
36

	
999

	
Modified Loans Only

	
>= 0 to <= 120

	  	  
	
155

	
Forgiven Principal Amount

	
The sum total of all principal balance reductions (as a result of loan modification) over the life of the loan.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
156

	
Forgiven Interest Amount

	
The sum total of all interest incurred and forgiven (as a result of loan modification) over the life of the loan.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
157

	
Number of Modifications

	
The number of times the loan has been modified.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Integer

	
1

	
9

	
Modified Loans Only

	
>= 0

	  	  
	
MH-1

	
Real Estate Interest

	
Indicates whether the property on which the manufactured home is situated is owned outright or subject to the terms of a short- or long-term lease. (A long-term lease is defined as a lease whose term is greater than or equal to the loan term.)

	
Manufactured Housing

	
Numeric – Integer

	
2

	
99

	
Manufactured Housing Loans Only

	
See Coding

	
1 = Owned

2 = Short-term lease

3 = Long-term lease

99 = Unavailable

	  
	
MH-2

	
Community Ownership Structure

	
If the manufactured home is situated in a community, a means of classifying ownership of the community.

	
Manufactured Housing

	
Numeric – Integer

	
2

	
99

	
Manufactured Housing Loans Only

	
See Coding

	
1 = Public Institutional

2 = Public Non-Institutional

3 = Private Institutional

4 = Private Non-Institutional

5 = HOA-Owned

6 = Non-Community

99 = Unavailable

	  
	
MH-3

	
Year of Manufacture

	
The year in which the home was manufactured (Model Year -- YYYY Format). Required only in cases where a full appraisal is not provided.

	
Manufactured Housing

	
Numeric – Integer

	
2006

	
YYYY

	
Manufactured Housing Loans Only

	
1901 = Unavailable

	  	  
	
MH-4

	
HUD Code Compliance  Indicator (Y/N)

	
Indicates whether the home was constructed in accordance with the 1976 HUD code. In general, homes manufactured after 1976 comply with this code.

	
Manufactured Housing

	
Numeric – Integer

	
1

	
9

	
Manufactured Housing Loans Only

	
See Codes

	
0 = No

1 = Yes

99 = Unavailable

	  
	
MH-5

	
Gross Manufacturer’s Invoice Price

	
The total amount that appears on the manufacturer’s invoice (typically includes intangible costs such as transportation, association, on-site setup, service and warranty costs, taxes, dealer incentives, and other fees).

	
Manufactured Housing

	
Numeric – Decimal

	
72570.62

	
9(10).99

	
Manufactured Housing Loans Only

	
>= 0

	  	  
	
MH-6

	
LTI (Loan-to-Invoice) Gross

	
The ratio of the loan amount divided by the Gross Manufacturer’s Invoice Price (Field MH-5).

	
Manufactured Housing

	
Numeric – Decimal

	
0.75

	
9.999999

	
Manufactured Housing Loans Only

	
>= 0 to <= 1

	  	  
	
MH-7

	
Net Manufacturer’s Invoice Price

	
The Gross Manufacturer’s Invoice Price (Field MH-5) minus intangible costs, including: transportation, association, on-site setup, service, and warranty costs, taxes, dealer incentives, and other fees.

	
Manufactured Housing

	
Numeric – Decimal

	
61570.62

	
9(10).99

	
Manufactured Housing Loans Only

	
>= 0

	  	  
	
MH-8

	
LTI (Net)

	
The ratio of the loan amount divided by the Net Manufacturer’s Invoice Price (Field MH-7).

	
Manufactured Housing

	
Numeric – Decimal

	
0.62

	
9.999999

	
Manufactured Housing Loans Only

	
>= 0 to <= 1

	  	  
	
MH-9

	
Manufacturer Name

	
The manufacturer of the subject property. (To be applied only in cases where no appraised value/other type of property valuation is available.)

	
Manufactured Housing

	
Text

	
“XYZ Corp”

	
Char (100)

	
Manufactured Housing Loans Only (where no appraised value is provided)

	
MH Manufacturer name in double quotation marks

	  	  
	
MH-10

	
Model Name

	
The model name of the subject property. (To be applied only in cases where no appraised value/other type of property valuation is available.)

	
Manufactured Housing

	
Text

	
“DX5-916-X”

	
Char (100)

	
Manufactured Housing Loans Only (where no appraised value is provided)

	
MH Model name in double quotation marks

	  	  
	
MH-11

	
Down Payment Source

	
An indicator of the source of the down payment used by the borrower to acquire the property and qualify for the mortgage.

	
Manufactured Housing

	
Numeric – Integer

	
2

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
1 = Cash

2 = Proceeds from trade in

3 = Land in Lieu

4 = Other

99 = Unavailable

	  
	
MH-12

	
Community/Related Party Lender (Y/N)

	
An indicator of whether the loan was made by the community owner, an affiliate of the community owner or the owner of the real estate upon which the collateral is located.

	
Manufactured Housing

	
Numeric – Integer

	
1

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
0 = No

1 = Yes

99 = Unavailable

	  
	
MH-13

	
Defined Underwriting Criteria (Y/N)

	
An indicator of whether the loan was made in accordance with a defined and/or standardized set of underwriting criteria.

	
Manufactured Housing

	
Numeric – Integer

	
1

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
0 = No

1 = Yes

99 = Unavailable

	  
	
MH-14

	
Chattel Indicator

	
An Indicator of whether the secured property is classified as chattel or Real Estate.

	
Manufactured Housing

	
Numeric – Integer

	
1

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
0 = Real Estate

1 = Chattel

99 = Unavailable

	  

  

  

  

 

 

 

ANNEX B – GLOBAL CLEARANCE, SETTLEMENT AND TAX DOCUMENTATION PROCEDURES

 

Except in certain limited circumstances, the globally offered Sequoia Mortgage Trust 2011-2, Mortgage Pass-Through Certificates (the “Global Certificates”) will be available only in book-entry form. Investors in the Global Certificates may hold such Global Certificates through any of The Depository Trust Company (“DTC”), Clearstream, Luxembourg or Euroclear. The Global Certificates will be tradeable as home market instruments in both the European and U.S. domestic markets. Initial settlement and all secondary trades will settle in same-day funds.

Secondary market trading between investors holding Global Certificates through Clearstream, Luxembourg and Euroclear will be conducted in the ordinary way in accordance with their normal rules and operating procedures and in accordance with conventional Eurocertificate practice (i.e., seven-calendar day settlement).

Secondary market trading between investors holding Global Certificates through DTC will be conducted according to the rules and procedures applicable to U.S. corporate debt obligations and prior mortgage pass-through certificate issues.

Secondary cross-market trading between Clearstream, Luxembourg or Euroclear and DTC Participants holding Global Certificates will be effected on a delivery-against-payment basis through the respective Depositaries of Clearstream, Luxembourg and Euroclear (in such capacity) and as DTC Participants.

Non-U.S. holders (as described below) of Global Certificates will be subject to U.S. withholding taxes unless such holders meet certain requirements and deliver appropriate U.S. tax documents to the securities clearing organizations or their participants.

Initial Settlement

All Global Certificates will be held in book-entry form by DTC in the name of Cede & Co. as nominee of DTC. Investors’ interests in the Global Certificates will be represented through financial institutions acting on their behalf as direct and indirect participants in DTC (each, a “DTC Participant”). As a result, Clearstream, Luxembourg and Euroclear will hold positions on behalf of their participants through their respective Depositaries, which in turn will hold such positions in accounts as DTC Participants.

Investors electing to hold their Global Certificates through DTC will follow the settlement practices’ applicable to other mortgage pass-through certificate issues. Investor securities custody accounts will be credited with their holdings against payment in same-day funds on the settlement date.

Investors electing to hold their Global Certificates through Clearstream, Luxembourg or Euroclear accounts will follow the settlement procedures applicable to conventional Eurocertificates, except that there will be no temporary global security and no “lock-up” or restricted period. Global Certificates will be credited to the securities custody accounts on the settlement date against payment in same-day funds.

Secondary Market Trading

Since the purchaser determines the place of delivery, it is important to establish at the time of the trade where both the purchaser’s and seller’s accounts are located to ensure that settlement can be made on the desired value date.

 

  

B-1

  

Trading Between DTC Participants.  Secondary market trading between DTC Participants will be settled using the procedures applicable to prior mortgage pass-through certificate issues in same-day funds.

Trading Between Clearstream, Luxembourg and/or Euroclear Participants.  Secondary market trading between Clearstream, Luxembourg Participants or Euroclear Participants will be settled using the procedures applicable to conventional Eurocertificates in same-day funds.

Trading Between DTC Seller and Clearstream, Luxembourg or Euroclear Purchaser.  When Global Certificates are to be transferred from the account of a DTC Participant to the account of a Clearstream, Luxembourg Participant or a Euroclear Participant, the purchaser will send instructions to Clearstream, Luxembourg or Euroclear through a Clearstream, Luxembourg Participant or Euroclear Participant at least one business day prior to settlement.  Clearstream, Luxembourg or Euroclear will instruct the respective Depositary, as the case may be, to receive the Global Certificates against payment. Payment will include interest accrued on the Global Certificates from and including the last coupon distribution date to and excluding the settlement date, on the basis of the actual number of days in such accrual period and a year assumed to consist of 360 days. For transactions settling on the 31st of the month, payment will include interest accrued to and excluding the first day of the following month. Payment will then be made by the respective Depositary of the DTC Participant’s account against delivery of the Global Certificates. After settlement has been completed, the Global Certificates will be credited to the respective clearing system and by the clearing system, in accordance with its usual procedures, to the Clearstream, Luxembourg Participant’s or Euroclear Participant’s account. The securities credit will appear the next day (European time) and the cash debt will be back-valued to, and the interest on the Global Certificates will accrue from, the value date (which would be the preceding day when settlement occurred in New York). If settlement is not completed on the intended value date (i.e., the trade fails), the Clearstream, Luxembourg or Euroclear cash debt will be valued instead as of the actual settlement date.

Clearstream, Luxembourg Participants and Euroclear Participants will need to make available to the respective clearing systems the funds necessary to process same-day funds settlement. The most direct means of doing so is to preposition funds for settlement, either from cash on hand or existing lines of credit, as they would for any settlement occurring within Clearstream, Luxembourg or Euroclear. Under this approach, they may take on credit exposure to Clearstream, Luxembourg or Euroclear until the Global Certificates are credited to their accounts one day later.

As an alternative, if Clearstream, Luxembourg or Euroclear has extended a line of credit to them, Clearstream, Luxembourg Participants or Euroclear Participants can elect not to preposition funds and allow that credit line to be drawn upon the finance settlement. Under this procedure, Clearstream, Luxembourg Participants or Euroclear Participants purchasing Global Certificates would incur overdraft charges for one day, assuming they cleared the overdraft when the Global Certificates were credited to their accounts. However, interest on the Global Certificates would accrue from the value date. Therefore, in many cases the investment income on the Global Certificates earned during that one-day period may substantially reduce or offset the amount of such overdraft charges, although this result will depend on each Clearstream, Luxembourg Participant’s or Euroclear Participant’s particular cost of funds.

Since the settlement is taking place during New York business hours, DTC Participants can employ their usual procedures for sending Global Certificates to the respective European depository for the benefit of Clearstream, Luxembourg Participants or Euroclear Participants. The sale proceeds will be available to the DTC seller on the settlement date. Thus, to the DTC Participants a cross-market transaction will settle no differently than a trade between two DTC Participants.

Trading Between Clearstream, Luxembourg or Euroclear Seller and DTC Purchaser.  Due to time zone differences in their favor, Clearstream, Luxembourg Participants and Euroclear Participants may employ their customary procedures for transactions in which Global Certificates are to be transferred by the respective clearing system, through the respective Depositary, to a DTC Participant.  The seller will send instructions to Clearstream, Luxembourg or Euroclear through a Clearstream, Luxembourg Participant or

 

  

B-2

  

Euroclear Participant at least one business day prior to settlement. In these cases Clearstream, Luxembourg or Euroclear will instruct the respective Depositary, as appropriate, to deliver the Global Certificates to the DTC Participant’s account against payment. Payment will include interest accrued on the Global Certificates from and including the last coupon payment to and excluding the settlement date on the basis of the actual number of days in such accrual period and a year assumed to consist of 360 days. For transactions settling on the 31st of the month, payment will include interest accrued to and excluding the first day of the following month. The payment will then be reflected in the account of the Clearstream, Luxembourg Participant or Euroclear Participant the following day, and receipt of the cash proceeds in the Clearstream, Luxembourg Participant’s or Euroclear Participant’s account would be back-valued to the value date (which would be the preceding day, when settlement occurred in New York). Should the Clearstream, Luxembourg Participant or Euroclear Participant have a line of credit with its respective clearing system and elect to be in debt in anticipation of receipt of the sale proceeds in its account, the back-valuation will extinguish any overdraft incurred over that one-day period. If settlement is not completed on the intended valued date (i.e., the trade fails), receipt of the cash proceeds in the Clearstream, Luxembourg Participant’s or Euroclear Participant’s account would instead be valued as of the actual settlement date.

Finally, day traders that use Clearstream, Luxembourg or Euroclear and that purchase Global Certificates from DTC Participants for delivery to Clearstream, Luxembourg Participants or Euroclear Participants should note that these trades would automatically fail on the sale side unless affirmative action were taken. At least three techniques should be readily available to eliminate this potential problem:

	
  

	
(a)

	
borrowing through Clearstream, Luxembourg or Euroclear for one day (until the purchase side of the day trade is reflected in their Clearstream, Luxembourg or Euroclear accounts) in accordance with the clearing system’s customary procedures;

	
  

	
(b)

	
borrowing the Global Certificates in the U.S. from a DTC Participant no later than one day prior to settlement, which would give the Global Certificates sufficient time to be reflected in their Clearstream, Luxembourg or Euroclear account in order to settle the sale side of the trade; or

	
  

	
(c)

	
staggering the value dates for the buy and sell sides of the trade so that the value date for the purchase from the DTC Participant is at least one day prior to the value date for the sale to the Clearstream, Luxembourg Participant or Euroclear Participant.

CERTAIN U.S. FEDERAL INCOME TAX DOCUMENTATION REQUIREMENTS

A holder that is not a “United States person” within the meaning of Section 7701(a)(30) of the Internal Revenue Code of 1986 holding a book-entry certificate through Clearstream, Euroclear or DTC may be subject to U.S. withholding tax at a rate of 30% unless such holder provides certain documentation to the securities administrator or to the U.S. entity required to withhold tax (the “U.S. withholding agent”) establishing an exemption from withholding.  A holder that is not a United States person may be subject to 30% withholding unless:

I. the securities administrator, or the U.S. withholding agent receives a statement —

	 	
(a)

	
from the holder on Internal Revenue Service (“IRS”) Form W-8BEN (or any successor form) that —

	
  

	
(i)

	
is signed by the certificateholder under penalty of perjury,

	
  

	
(ii)

	
certifies that such owner is not a United States person, and

	
  

	
(iii)

	
provides the name and address of the certificateholder, or

 

  

B-3

  

 

	 	
(b)

	
from a securities clearing organization, a bank or other financial institution that holds customers’ securities in the ordinary course of its trade or business that —

	
  

	
(i)

	
is signed under penalties of perjury by an authorized representative of the financial institution,

	
  

	
(ii)

	
states that the financial institution has received an IRS Form W-8BEN (or any successor form) from the certificateholder or that another financial institution acting on behalf of the certificateholder has received such IRS Form W-8BEN (or any successor form),

	
  

	
(iii)

	
provides the name and address of the certificateholder, and

	
  

	
(iv)

	
attaches the IRS Form W-8BEN (or any successor form) provided by the certificateholder;

	 	
II.

	
the holder claims an exemption or reduced rate based on a treaty and provides a properly executed IRS Form W-8BEN (or any successor form) to the securities administrator or the U.S. withholding agent;

	 	
III.

	
the holder claims an exemption stating that the income is effectively connected to a U.S. trade or business and provides a properly executed IRS Form W-8ECI (or any successor form) to the securities administrator or the U.S. withholding agent; or

	 	
IV.

	
the holder is a “nonwithholding partnership” and provides a properly executed IRS Form W-8IMY (or any successor form) with all necessary attachments to the securities administrator or the U.S. withholding agent.  Certain pass-through entities that have entered into agreements with the Internal Revenue Service (for example “qualified intermediaries”) may be subject to different documentation requirements; and such holders are encouraged to consult with their tax advisors when purchasing the certificate.

A book-entry certificateholder holding through Clearstream or Euroclear provides the forms and statements referred to above by submitting them to the person through which it holds an interest in the book-entry certificate, which is the clearing agency, in the case of persons holding directly on the books of the clearing agency.  Under certain circumstances a Form W-8BEN, if furnished with a taxpayer identification number, (“TIN”), will remain in effect until the status of the beneficial owner changes, or a change in circumstances makes any information on the form incorrect.  A Form W-8BEN, if furnished without a TIN, and a Form W-8ECI will remain in effect for a period starting on the date the form is signed and ending on the last day of the third succeeding calendar year, unless a change in circumstances makes any information on the form incorrect.

In addition, a book-entry certificateholder holding through Clearstream, Euroclear or DTC may be subject to backup withholding unless the holder:

I. provides a properly executed IRS Form W-8BEN, Form W-8ECI or Form W-8IMY(or any successor forms) if that person is not a United States person;

II. provides a properly executed IRS Form W-9 (or any substitute form) if that person is a United States person; or

III. is a corporation, within the meaning of Section 7701(a) of the Internal Revenue Code of 1986, or otherwise establishes that it is a recipient exempt from United States backup withholding.

 

  

B-4

  

This summary does not deal with all aspects of federal income tax withholding or backup withholding that may be relevant to investors that are not “United States persons” within the meaning of Section 7701(a)(30) of the Internal Revenue Code.  Such investors are encouraged to consult their own tax advisors for specific tax advice concerning their holding and disposing of the book-entry certificate.

The term “United States person” means (1) a citizen or resident of the United States, (2) a corporation or partnership organized in or under the laws of the United States or any state or the District of Columbia (other than a partnership that is not treated as a United States person under any applicable Treasury regulations), (3) an estate the income of which is includible in gross income for United States tax purposes, regardless of its source, or (4) a trust if a court within the United States is able to exercise primary supervision over the administration of the issuing entity and one or more United States persons have authority to control all substantial decisions of the trust. Notwithstanding the preceding sentence, to the extent provided in regulations, certain trusts in existence on August 20, 1996 and treated as United States persons prior to such date that elect to continue to be so treated also will be considered United States persons.

 

  

B-5EXHIBIT 10.2

EXECUTION COPY

 

 

 

SEQUOIA MORTGAGE TRUST 2011-2

Mortgage Pass-Through Certificates, Series 2011-2

 

UNDERWRITING AGREEMENT

 

 

September 16, 2011

 

The Firm or Firms

of Underwriters named

on the signature page hereof

 

Ladies and Gentlemen:

 

Sequoia Residential Funding, Inc., a Delaware corporation (the “Depositor”) and an indirect wholly-owned limited purpose subsidiary of Redwood Trust, Inc., a Maryland corporation (“Redwood Trust”), proposes to sell to you (each, an “Underwriter”) the Underwritten Certificates (as defined below), and to cause Sequoia Mortgage Trust 2011-2 (the “Issuing Entity”), a common law trust governed by New York law, to issue its Mortgage Pass-Through Certificates, Class A-1 and Class B-1 Certificates (the “Underwritten Certificates”) having the characteristics set forth in the Final Prospectus, evidencing beneficial ownership interests in the Issuing Entity, the assets of which will consist primarily of a pool of mortgage loans secured by first liens on one- to four-family residential properties, including condominiums, townhomes, planned unit developments and cooperatives (collectively, the “Mortgage Loans”).  Simultaneously with the issuance and sale of the Underwritten Certificates, the Class A-IO, Class R, Class LT-R, Class B-2, Class B-3, Class B-4 and Class B-5 Certificates (together with the Underwritten Certificates, the “Certificates”) are being issued.  The Mortgage

  

  

  

Loans will have the characteristics described in the Final Prospectus, subject to the variances, ranges, minimums and maximums set forth in the Final Prospectus.

 

The Issuing Entity will be formed, and the Certificates will be issued, pursuant to a pooling and servicing agreement (the “Pooling and Servicing Agreement”) dated as of September 1, 2011, between the Depositor, Wells Fargo Bank, N.A., in the capacities of master servicer (in such capacity, the “Master Servicer”) and securities administrator (in such capacity, the “Securities Administrator”), U.S. Bank National Association, as trustee (in such capacity, the “Trustee”), and acknowledged as to specified sections by Redwood Residential Acquisition Corporation, a Delaware corporation and wholly-owned subsidiary of Redwood Trust, as seller (the “Seller”).  On or about September 27, 2011 (the “Closing Date”), the Seller will assign all of its right, title and interest in the Mortgage Loans to the Depositor pursuant to a mortgage loan purchase and sale agreement, dated as of September 1, 2011 (the “Mortgage Loan Purchase Agreement”), between the Seller, as seller, and the Depositor, as purchaser.  Pursuant to the Pooling and Servicing Agreement, the Mortgage Loans will, in turn, be assigned by the Depositor to the Trustee for the benefit of the Certificateholders, together with all principal and interest collections received with respect to the Mortgage Loans after September 1, 2011 (the “Cut-off Date”).  The Trustee will concurrently with such assignment, authenticate and deliver the Certificates to the Depositor, and the Depositor will sell the Underwritten Certificates, in the respective initial Class Principal Amounts as set forth on Schedule 1 annexed hereto, to the Underwriters.  In addition, pursuant to various assignment, assumption and recognition agreements and assignment of representations and warranties agreements (the “Assignment Agreements”), (i) the Seller will assign its rights under various underlying mortgage loan purchase and servicing agreements relating to the Mortgage Loans, entered into by the Seller

  

2

  

(collectively, the “Underlying Purchase and Servicing Agreements”), to the Depositor and (ii) the Depositor will, in turn, assign its rights under the Underlying Purchase and Servicing Agreements to the Trustee for the benefit of the Certificateholders.  The Master Servicer will monitor the servicing of the Mortgage Loans by the servicers pursuant to the provisions of the Pooling and Servicing Agreement.

 

The Pooling and Servicing Agreement, the Mortgage Loan Purchase Agreement, the Assignment Agreements, the Underlying Purchase and Servicing Agreements and this Agreement are sometimes referred to herein collectively as the “Transaction Documents.”  Capitalized terms shall have the respective meanings set forth in this Agreement (or by reference to Section 10 hereof) or, if not defined therein, as set forth in the Pooling and Servicing Agreement.

 

1.           Representations and Warranties.  The Seller, the Depositor and Redwood Trust jointly and severally represent and warrant to, and agree with, each Underwriter that:

 

(i)           A registration statement on Form S-3 (File Nos. 333-159791 and 333-159791-01) relating to mortgage pass-through certificates has been filed with the Securities and Exchange Commission (the “Commission”) and has become effective under the Securities Act of 1933, as amended (the “Securities Act”).  Such registration statement as of its effective date, and each amendment thereto and any document incorporated by reference therein and any prospectus included or deemed or retroactively deemed to be a part thereof pursuant to Rule 430A or Rule 430B, as of the date of this Agreement, is hereinafter referred to as the “Registration Statement.”  The Registration Statement meets the requirements set forth in Rule 415(a)(1)(x) under the Securities Act.  As of the Closing Date, no stop order suspending the effectiveness of such Registration

  

3

  

Statement has been issued and no proceedings for that purpose have been initiated or, to the knowledge of the Seller, the Depositor or Redwood Trust, threatened by the Commission.  The Depositor proposes to prepare and file with the Commission pursuant to Rule 424 under the Securities Act a final prospectus dated February 16, 2011 (the “Base Prospectus”) to be supplemented by a prospectus supplement dated the date hereof relating to the Underwritten Certificates in the form filed after the date of this Agreement pursuant to Section 424(b) that discloses the public offering price and other final terms of the Underwritten Certificates (together with any revision, amendment or supplement, the “Prospectus Supplement”).  The Prospectus Supplement, together with the Base Prospectus, including the documents incorporated therein as of the time of such filing is hereinafter referred to as the “Final Prospectus.”  In connection with the offering of the Underwritten Certificates, the Depositor has also prepared a preliminary prospectus supplement dated September 15, 2011, which constitutes a statutory prospectus to be retroactively included in the Registration Statement and has been or will be filed with the Commission pursuant to Rule 424(b) under the Securities Act (the “Preliminary Prospectus Supplement” and together with the Base Prospectus, the “Preliminary Prospectus”).  The Preliminary Prospectus and the Final Prospectus separately, are referred to herein as a “Prospectus.”  Any reference herein to the Registration Statement or a Prospectus shall be deemed to refer to and include the documents incorporated by reference therein pursuant to Item 12 of Form S-3 which were filed under the Securities Exchange Act of 1934, as amended (the “Exchange Act”), on or before the date on which the Registration Statement, as amended, became effective, or the issue date of the Preliminary Prospectus, or the date on which the Final Prospectus is filed pursuant to

  

4

  

Rule 424(b) under the Securities Act, as the case may be; and any reference herein to the terms “amend,” “amendment” or “supplement” with respect to the Registration Statement and each Prospectus shall be deemed to refer to and include any document incorporated by reference therein which is filed under the Exchange Act after the date on which the Registration Statement became effective, the issue date of the Preliminary Prospectus or the date on which a Final Prospectus is filed pursuant to Rule 424(b) under the Securities Act, as the case may be.

 

(ii)           Each of (A) the Registration Statement, as of its effective date, (B) the Preliminary Prospectus, taken together with the static pool information set forth in or referred to under the caption “Static Pool Information” in the Preliminary Prospectus but deemed to be excluded from the Registration Statement and the Preliminary Prospectus pursuant to Item 1105(d) of Regulation AB (the “Designated Static Pool Information”), as of its issue date, and (C) the Final Prospectus, taken together with the Designated Static Pool Information set forth in or referred to under the caption “Static Pool Information” in such Final Prospectus, as of its issue date, as revised, amended or supplemented and filed with the Commission prior to the termination of the offering of the Underwritten Certificates, will conform in all material respects to the requirements of the Securities Act and the rules and regulations (the “Regulations”) of the Commission thereunder applicable to such documents as of their respective dates, and the Registration Statement, the Designated Static Pool Information and the Final Prospectus as revised, amended or supplemented and filed with the Commission as of the Closing Date will conform in all material respects to the requirements of the Securities Act and the Regulations of the Commission applicable to such documents as of the Closing Date.

  

5

  

None of (A) the Registration Statement, at the time it became effective and as of the Closing Date, (B) the Preliminary Prospectus, taken together with the Designated Static Pool Information, as of its issue date and as of September 16, 2011, which the Underwriters have advised the Depositor is the first date on which a Contract of Sale has been entered into, or (C) the Final Prospectus, taken together with the Designated Static Pool Information, as of its issue date, as of the date of any Contract of Sale that occurs after the date of the Final Prospectus and prior to the Closing Date, and as of the Closing Date, contained or will contain any untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary to make the statements therein, in the light of the circumstances under which they were made, not misleading; provided, however, that the Seller, the Depositor and Redwood Trust make no representations, warranties or agreements as to the information contained in a Prospectus or any revision or amendment thereof or supplement thereto (in the case of the Final Prospectus) in reliance upon and in conformity with information furnished in writing to the Depositor by or on behalf of any Underwriter specifically for use in connection with the preparation of a Prospectus or any revision or amendment thereof or supplement thereto (in the case of the Final Prospectus), such information being defined as the “Underwriter Information” in Section 10 hereof.

 

If, subsequent to the date of this Agreement, the Depositor and the Underwriters determine that such information included an untrue statement of material fact or omitted to state a material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading and terminate their old Contracts of Sale and enter into new Contracts of Sale with investors in the Underwritten

  

6

  

Certificates, then the Preliminary Prospectus and the Designated Static Pool Information will refer to the information agreed upon in writing by the Depositor and the Underwriters and conveyed to purchasers at the time of entry into the first such new Contract of Sale, including any information that corrects such material misstatements or omissions (“Corrective Information”) and the date of each affected Contract of Sale will refer to the time and date agreed upon by the Depositor and the Underwriters.

 

(iii)           The conditions to the use by the Depositor of a registration statement on Form S-3 under the Securities Act, as set forth in the General Instructions to Form S-3, have been satisfied with respect to the Registration Statement.  There are no contracts or documents of the Depositor which are required to be filed as exhibits to the Registration Statement pursuant to the Securities Act or the Regulations of the Commission thereunder which have not been so filed.

 

(iv)           (A)  At the time of the filing of the Registration Statement and (B) at the date of this Agreement, the Depositor was not and is not an “ineligible issuer,” as defined in Rule 405 under the Securities Act.

 

(v)           As of the date hereof, as of the date of any Contract of Sale and at all subsequent times through the completion of the public offer and sale of the Underwritten Certificates, the Preliminary Prospectus issued at or prior to the date hereof, any Issuer Information or the Seller Mortgage Loan Information (each as defined below) contained in a Free Writing Prospectus other than an Underwriter Free Writing Prospectus did not include any untrue statement of a material fact or omit to state any material fact necessary in order to make the statements therein, in the light of the circumstances under which

  

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they were made, not misleading; provided, however, that no representation is made as to any Underwriter Information.

 

(vi)           The Underwritten Certificates conform in all material respects to the description thereof contained in the Final Prospectus.  The issuance of the Underwritten Certificates has been authorized, and on the Closing Date the Underwritten Certificates will have been duly and validly executed, authenticated and delivered in accordance with the Pooling and Servicing Agreement and delivered to the Underwriters for the account of the Underwriters against payment therefor as provided herein, and such Certificates will be duly and validly issued and outstanding and entitled to the benefits afforded by the Pooling and Servicing Agreement.  Each Underwritten Certificate of the Class (or if applicable, Classes) or type indicated to be “mortgage related securities” under the heading “Summary of Terms — Legal Investment” in the Prospectus Supplement will, when issued, be a “mortgage related security” as such term is defined in Section 3(a)(41) of the Exchange Act.

 

(vii)           This Agreement has been duly authorized, executed and delivered by each of the Seller, the Depositor and Redwood Trust, and as of the Closing Date, each of the other Transaction Documents to which the Seller, the Depositor or Redwood Trust is a party will have been, duly authorized, executed and delivered by the Seller, the Depositor or Redwood Trust, as applicable, and will conform in all material respects to the descriptions thereof contained in the Final Prospectus and, assuming the valid execution and delivery thereof by the other parties thereto, each Transaction Document to which Redwood Trust, the Seller or the Depositor is a party will constitute a legal, valid and binding agreement of the Seller, the Depositor or Redwood Trust, as applicable,

 

  

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enforceable in accordance with its terms, except as the same may be limited by bankruptcy, insolvency, reorganization or other similar laws affecting creditors’ rights generally and by general principles of equity.

 

(viii)           Each of the Seller, the Depositor and Redwood Trust has been duly incorporated and is validly existing as a corporation in good standing under the laws of its respective state of incorporation, and each of the Seller, the Depositor and Redwood Trust is duly qualified to do business as a foreign corporation and is in good standing under the laws of each jurisdiction where the character of its respective properties or the nature of its respective activities makes such qualification necessary, except such jurisdictions, if any, in which the failure to be so qualified will not have a material adverse effect on the condition (financial or otherwise), earnings, regulatory affairs, business affairs, business prospects or properties of Redwood Trust, the Seller or the Depositor; each of Redwood Trust, the Seller and the Depositor holds all material licenses, certificates and permits from all governmental authorities necessary for the conduct of its respective business as described in the Final Prospectus; and each of the Seller, the Depositor and Redwood Trust has the corporate power and authority to own its respective properties and conduct its respective business as described in the Final Prospectus and to enter into and perform its respective obligations under each Transaction Document to which it is a party.

 

(ix)           Neither the issuance, delivery or sale of the Underwritten Certificates, nor the consummation of any other of the transactions contemplated herein, nor the execution and delivery of the Transaction Documents by the Seller, the Depositor or Redwood Trust, as applicable, and compliance with the provisions of the Transaction Documents,

  

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does or will conflict with or result in the breach of any material term or provision of the certificate of incorporation or by-laws of the Seller, the Depositor, or Redwood Trust, and none of the Seller, the Depositor or Redwood Trust is in breach or violation of or in default (nor has an event occurred which with notice or lapse of time or both would constitute a default) under the terms of (i) any indenture, contract, lease, mortgage, deed of trust, note, agreement or other evidence of indebtedness or other agreement, obligation or instrument to which the Seller, the Depositor or Redwood Trust is a party or by which it or its respective properties are bound, or (ii) any law, decree, order, rule or regulation applicable to the Seller, the Depositor or Redwood Trust of any court or supervisory, regulatory, administrative or governmental agency, body or authority, or arbitrator having jurisdiction over the Seller, the Depositor or Redwood Trust, or its respective properties, the default, breach or violation of which would have a material adverse effect on the Depositor, Redwood Trust, the Issuing Entity or the Certificates or on the ability of the Seller, the Depositor or Redwood Trust to perform its respective obligations under the Transaction Documents to which it is a party; and none of the delivery of the Certificates, the consummation of any other of the transactions contemplated herein, or the compliance with the provisions of the Transaction Documents will result in such a default, breach or violation or which would have such a material adverse effect.

 

(x)           No filing or registration with, notice to, or consent, approval, authorization or order or other action of any court or governmental authority or agency is required for the consummation by the Seller, the Depositor or Redwood Trust of the transactions contemplated by the Transaction Documents to which it is a party (other than as required under “blue sky” or state securities laws, as to which no representations and warranties

  

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are made by the Seller, the Depositor or Redwood Trust), except such as have been, or will have been prior to the Closing Date, obtained under the Securities Act, and such recordations of the assignment of the Mortgage Loans to the Trustee (to the extent such recordations are required pursuant to the Pooling and Servicing Agreement and/or Underlying Purchase and Servicing Agreements) or filings under the Uniform Commercial Code that have not yet been completed.

 

(xi)           Except as described in the Final Prospectus, there is no action, order, suit or proceeding before or by any court, administrative or governmental agency now pending to which the Seller, the Depositor or Redwood Trust is a party, or to the best knowledge of each of the Seller, the Depositor or Redwood Trust, threatened against the Seller, the Depositor or Redwood Trust, which could reasonably result individually or in the aggregate in any material adverse change in the condition (financial or otherwise), earnings, regulatory affairs, business affairs, business prospects or properties of the Seller, the Depositor or Redwood Trust or could reasonably interfere with or materially and adversely affect the consummation of the transactions contemplated by the Transaction Documents.

 

(xii)           At the time of execution and delivery of the Mortgage Loan Purchase Agreement between the Seller and the Depositor, the Seller (A) will have good title to and be the sole owner of the Mortgage Loans being sold to the Depositor pursuant thereto, free and clear of any lien, mortgage, pledge, charge, encumbrance, adverse claim or other security interest (collectively “Liens”), and (B) will not have assigned to any Person other than the Depositor any of its right, title or interest in and to the Mortgage Loans.

  

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(xiii)           Immediately prior to the assignment of the Mortgage Loans by the Depositor to the Trustee as contemplated by the Pooling and Servicing Agreement, the Depositor (A) will have good title to and be the sole owner of each such Mortgage Loan free and clear of any Lien, (B) will not have assigned to any Person other than the Trustee any of its rights, title or interest in and to such Mortgage Loans or in the Underlying Purchase and Servicing Agreements to the extent relating to the Mortgage Loans and (C) will have the power and authority to sell such Mortgage Loans to the Trustee, and upon execution and delivery of the Pooling and Servicing Agreement by the Trustee and delivery of the Certificates to the Depositor, the Trustee will have acquired all of the Depositor’s right, title and interest in and to such Mortgage Loans.

 

(xiv)           Any taxes, fees and other governmental charges in connection with the execution, delivery and issuance of the Transaction Documents and the Certificates have been or will be paid by the Seller, the Depositor or Redwood Trust at or prior to the Closing Date, except (if applicable) for fees for recording assignments of the Mortgage Loans to the Trustee pursuant to the Pooling and Servicing Agreement and/or Underlying Purchase and Servicing Agreements and Uniform Commercial Code filing fees that have not yet been completed, which fees will be paid by or on behalf of the Depositor.

 

(xv)           The Mortgage Loans conform in all material respects to the description thereof contained in the Final Prospectus.

 

(xvi)           Neither the Depositor nor the Issuing Entity is, and neither the issuance and sale of the Certificates nor the activities of the Issuing Entity pursuant to the Pooling and Servicing Agreement will cause the Depositor or the Issuing Entity to be, an “investment company” or under the control of an “investment company” as such terms

  

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are defined in the Investment Company Act of 1940, as amended (the “Investment Company Act”).

 

(xvii)           None of the Seller, the Depositor or Redwood Trust is doing business with Cuba.

 

(xviii)           As of the date of delivery, any Seller Mortgage Loan Information provided to the Underwriters is true and correct in all material respects, or if there is any material error in any Seller Mortgage Loan Information, the Depositor or the Seller has promptly provided corrected information to the Underwriters.

 

2.           Purchase and Sale.  Subject to the terms and conditions and in reliance upon the representations and warranties set forth herein, the Depositor agrees to sell to each Underwriter, and each Underwriter agrees, severally and not jointly, to use its best efforts to identify investors to purchase from such Underwriter, each Class of Underwritten Certificates to be purchased by such Underwriter, in the respective initial Class Principal Amounts, and at the respective purchase price for each Underwriter, as set forth on Schedule 1 annexed hereto (including accrued interest from and including the Cut-off Date to, but not including, the Closing Date) and agrees to purchase from the Depositor on the Closing Date all Underwritten Certificates for which investors are, on the Closing Date, ready, willing and able to purchase.

 

3.           Delivery and Payment.  The Underwritten Certificates shall be delivered at the office, on the date and at the time specified in the Final Prospectus, which place, date and time may be changed by agreement between the Underwriters and the Depositor.  Delivery of the Underwritten Certificates shall be made to each of the Underwriters as against their respective payment of the purchase price therefor to or upon the order of the Depositor in immediately available federal funds.  The Underwritten Certificates shall be registered in such names and in

  

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such denominations as required by book-entry registration not less than two full business days prior to the Closing Date.  The Depositor agrees to cause the Underwritten Certificates to be made available for inspection, checking and packaging in New York, New York on the business day prior to the Closing Date.

 

4.           Offering Procedures.  It is understood that the Underwriters propose to offer the Underwritten Certificates for sale as set forth in the Preliminary Prospectus and the Final Prospectus and that you will not offer, sell or otherwise distribute the Underwritten Certificates (except for the sale thereof in exempt transactions) in any state in which the Underwritten Certificates are not exempt from registration under “blue sky” or state securities laws (except where the Underwritten Certificates will have been qualified for offering and sale at your direction under such “blue sky” or state securities laws).

 

Neither the Depositor nor any Underwriter will disseminate to any potential investor information relating to the Underwritten Certificates that constitutes a “written communication” within the meaning of Rule 405 under the Securities Act, other than the Preliminary Term Sheet, each Prospectus and, in the case of the Underwriters, Derived Information or Custom Loan Information, unless (i) if an Underwriter seeks to disseminate such information, such Underwriter has obtained the prior consent of the Depositor, or (ii) if the Depositor seeks to disseminate such information, the Depositor has obtained the prior consent of the Underwriters.

 

An Underwriter may convey Derived Information or Custom Loan Information to a potential investor prior to entering into a Contract of Sale with such investor; provided, however, that Derived Information shall not be distributed in a manner reasonably designed to lead to its broad unrestricted dissemination within the meaning of Rule 433(d) under the Securities Act.  Each Underwriter shall deliver to the Depositor and its counsel a copy, in electronic form, of

  

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each Free Writing Prospectus disseminated by such Underwriter that is required to be filed with the Commission, not later than one business day prior to the date on which such Free Writing Prospectus is required under the Regulations to be so filed.  Each Underwriter will comply with the requirements of Rule 433(g) applicable to any Free Writing Prospectus, including document retention and record-keeping.

 

The Depositor represents that it has treated and agrees that it will treat each Free Writing Prospectus other than an Underwriter Free Writing Prospectus as an “issuer free writing prospectus,” as defined in Rule 433, and has complied and will comply with the requirements of Rule 433 applicable to any such Free Writing Prospectus, including timely Commission filing where required, legending and record-keeping.

 

Neither the Depositor nor any Underwriter shall disseminate or file with the Commission any information relating to Underwritten Certificates in reliance on Rule 167 or 426 under the Securities Act, nor shall any Underwriter disseminate any Free Writing Prospectus in a manner reasonably designed to lead to its broad unrestricted dissemination within the meaning of Rule 433(d) under the Securities Act.

 

Prior to entering into a Contract of Sale, each Underwriter shall have conveyed to the related purchaser a copy of the Final Prospectus, or a copy of the Preliminary Prospectus if the Final Prospectus is not yet available, in the form that such Underwriter and the Depositor have agreed most recently prior thereto shall be used for offers and sales of the Underwritten Certificates.  Each confirmation of sale with respect to the Underwritten Certificates delivered by an Underwriter shall, if such confirmation of sale is not preceded or accompanied by delivery of the Final Prospectus, include a legend to the following effect, or a similar legend, in compliance with Rule 173 under the Securities Act:

  

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Rule 173 notice:  This security was sold pursuant to an effective registration statement that is on file with the SEC.  You may request a copy of the Prospectus at www.sec.gov, or by calling 1-800-323-5678.

 

5.           Agreements.  The Depositor agrees with each Underwriter that:

 

(i)           The Depositor will cause the Preliminary Prospectus and the Final Prospectus to be filed with the Commission pursuant to Rule 424(b) under the Securities Act not later than 9:00 a.m. (New York time) on the Closing Date, will promptly advise each Underwriter when such Prospectus has been so filed, and, prior to the termination of the offering of the Underwritten Certificates, will also promptly advise each Underwriter (i) when any amendment to the Registration Statement has become effective or any revision of or supplement to the Final Prospectus has been so filed (unless such amendment, revision or supplement does not relate to the Underwritten Certificates or the Issuing Entity), (ii) of any request by the Commission for any amendment of the Registration Statement or any Final Prospectus or for any additional information (unless such amendment or request for additional information does not relate to the Underwritten Certificates or the Issuing Entity), (iii) of any written notification received by the Depositor of the suspension of qualification of the Underwritten Certificates for sale in any jurisdiction or the initiation or threatening of any proceeding for such purpose and (iv) of the issuance by the Commission of any stop order suspending the effectiveness of the Registration Statement or the institution or, to the knowledge of the Depositor, the threatening of any proceeding for that purpose.  The Depositor will use its best efforts to prevent the issuance of any such stop order and, if issued, to obtain as soon as possible

  

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the withdrawal thereof.  The Depositor will not file prior to the termination of such offering any amendment to the Registration Statement or any revision of or supplement to the Final Prospectus (other than any such amendment, revision or supplement which does not relate to Underwritten Certificates or the Issuing Entity) which shall be disapproved by the Underwriters after reasonable notice and review of such filing.

 

(ii)           If, at any time when a prospectus relating to the Underwritten Certificates is required to be delivered under the Securities Act, (i) any event occurs as a result of which the Final Prospectus (including in each case, the Designated Static Pool Information) or the Preliminary Prospectus (if used by the Underwriters to enter into a Contract of Sale) as then amended or supplemented would include any untrue statement of a material fact or omit to state a material fact necessary to make the statements therein in the light of the circumstances under which they were made not misleading, or (ii) it shall be necessary to revise, amend or supplement the Final Prospectus to comply with the Securities Act or the Regulations of the Commission thereunder, the Depositor promptly will notify each Underwriter and will, upon the request of any Underwriter, or may, after consultation with each Underwriter, prepare and file with the Commission a revision, amendment or supplement which will correct such statement or omission or effect such compliance, and furnish without charge to each Underwriter as many copies as such Underwriter may from time to time reasonably request of an amended Final Prospectus or the Preliminary Prospectus (if used by the Underwriters to enter into a Contract of Sale) or a supplement to the Final Prospectus or the Preliminary Prospectus (if used by the Underwriters to enter into a Contract of Sale) which will correct such statement or omission or effect such compliance.

  

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If any Contract of Sale entered into by an Underwriter is terminated or reformed (within the meaning of Rule 159 of the Securities Act) as a result of any such revision, amendment or supplement, the Depositor shall reimburse such Underwriter for any reasonable cost incurred by an investor and reimbursed by such Underwriter resulting from such termination or reformation.

 

(iii)           The Depositor will furnish to each Underwriter and counsel to the Underwriters, without charge, conformed copies of the Registration Statement (including exhibits thereto) and, so long as delivery of a prospectus relating to the Underwritten Certificates is required under the Securities Act, as many copies of the Preliminary Prospectus, the Final Prospectus and any revisions or amendments thereof or supplements thereto as may be reasonably requested.

 

(iv)           The Depositor will, as between itself and the Underwriters, pay all expenses incidental to the performance of the obligations of the Depositor, the Seller or Redwood Trust under this Agreement, including without limitation (i) expenses of preparing, printing, filing and reproducing the Registration Statement, the Preliminary Prospectus, the Final Prospectus, any Free Writing Prospectus other than an Underwriter Free Writing Prospectus, the Transaction Documents and the Certificates, (ii) the cost of delivering the Underwritten Certificates to the Underwriters, (iii) the fees charged by securities rating agencies for rating the Underwritten Certificates, (iv) all transfer taxes, if any, with respect to the sale and delivery of the Underwritten Certificates to the Underwriters, (v) any expenses for the qualification of the Underwritten Certificates under “blue sky” or state securities laws, including filing fees and the fees and disbursements of counsel for such Underwriter in connection therewith and in connection

  

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with the preparation of any Blue Sky Survey, (vi) all other costs and expenses incidental to the performance by the Depositor, the Seller or Redwood Trust of their respective obligations hereunder which are not otherwise specifically provided for in this subsection and (vii) the fees of any accountants in connection with preparation of any comfort letters in connection with the Preliminary Term Sheet, a Prospectus or with respect to Designated Static Pool Information.  In addition, it is understood that, except as provided in this paragraph (iv) and in Section 9 hereof, the Underwriters will pay all the following additional expenses: (i) any transfer taxes on resale of any of the Underwritten Certificates by them, (ii) any advertising expenses connected with any offers that such Underwriters may make and (iii) the fees of any counsel to the Underwriters, including the fees incurred in connection with the review of the Transaction Documents and the preparation of the Underwriting Agreement and the legal opinions.

 

(v)           So long as any Underwritten Certificates are outstanding, upon request of any Underwriter, the Depositor will furnish, or will cause to be furnished, to such Underwriter, as soon as available, a copy of (i) the annual statement of compliance prepared by the Master Servicer, the servicers and any subservicers pursuant to the Pooling and Servicing Agreement or the Underlying Purchase and Servicing Agreements, as applicable, (ii) each report regarding the Underwritten Certificates filed with the Commission under the Exchange Act or mailed to the holders of the Underwritten Certificates and (iii) from time to time, such other information concerning the Underwritten Certificates which may be furnished by the Depositor or the Trustee without undue expense and without violation of applicable law.

  

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(vi)           On or prior to the filing of the Final Prospectus pursuant to Rule 424(b), the Company will file with the Commission a current report on Form 8-K attaching the Transaction Documents and certain other material agreements and opinions of counsel that are required to be filed, provided that such Transaction Documents need not be executed and may be subject to nonmaterial changes.

 

(vii)           For a period ending on the Closing Date, the Depositor shall not offer or sell, or announce the offering of, or cause any trust created by the Depositor to offer or sell, or announce the offering of, any mortgage pass-through certificates or other similar mortgage-related securities, without the prior written consent of the Underwriters.

 

(viii)           The Depositor has prepared the Preliminary Prospectus described in Section 1(i) relating to the Underwritten Certificates, in a form consented to by the Underwriters, and has filed or will file the Preliminary Prospectus within the period required by Rule 424(b).

 

(ix)           All written and graphic communications relating to the Underwritten Certificates used prior to the availability of a Prospectus will comply with the requirements of Rule 433, including the inclusion of the legend required by Rule 433(c)(2).

 

(x)           Neither the Preliminary Prospectus nor the Final Prospectus shall identify any nationally recognized statistical rating organization by name or indicate any rating issued or expected to be issued by any nationally recognized statistical rating organization with respect to the Certificates.

 

Redwood Trust covenants with each Underwriter and with the Depositor that it shall notify you and the Depositor of the occurrence of any material events respecting the activities,

  

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affairs or condition, financial or otherwise, of Redwood Trust and its subsidiaries and, if as a result of any such event it is necessary to amend or supplement any Prospectus in order to make such Prospectus not misleading in the light of the circumstances existing at the time it is delivered to a purchaser, Redwood Trust will forthwith supply such information to the Depositor as shall be necessary for the Depositor to prepare an amendment or supplement to such Prospectus so that, as so amended or supplemented, such Prospectus (including in each case, the Designated Static Pool Information) will not contain an untrue statement of a material fact or omit to state a material fact necessary in order to make the statements therein, in the light of the circumstances existing at the time it is delivered to a purchaser, not misleading.

 

6.           Conditions to the Obligations of Underwriters.  The obligation of each Underwriter to purchase the Underwritten Certificates to be purchased by it as set forth on Schedule 1 annexed hereto shall be subject to the accuracy in all material respects of the representations and warranties on the part of the Seller, the Depositor and Redwood Trust contained herein as of the date hereof and as of the Closing Date, to the accuracy of the statements of the Seller, the Depositor and Redwood Trust made in any officer’s certificate pursuant to the provisions hereof, to the performance in all material respects by the Seller, the Depositor and Redwood Trust of its obligations hereunder and to the following additional conditions:

 

(a)           No stop order suspending the effectiveness of the Registration Statement shall have been issued and no proceedings for that purpose shall have been instituted and be pending or shall have been threatened, any requests for additional information on the part of the Commission (to be included in the Registration Statement or in a Prospectus or otherwise) shall have been complied with to the reasonable satisfaction of the Underwriters, and the Preliminary

  

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Prospectus and the Final Prospectus shall have been filed or transmitted for filing with the Commission not later than the time the same is required to be filed or transmitted for filing pursuant to the Regulations of the Commission.

 

(b)           Each of the Depositor and the Seller shall have furnished to the Underwriters a certificate, dated the Closing Date, signed by the Chairman of the Board or the President and the principal financial or accounting officer of such entity, to the effect that each signer of such certificate has carefully examined the Registration Statement, the Final Prospectus, the Preliminary Prospectus, the Designated Static Pool Information and this Agreement and that:

 

(i)           The representations and warranties made by such entity herein are true and correct in all material respects on and as of the Closing Date with the same effect as if made on the Closing Date, and such entity has complied with all agreements and satisfied all the conditions on its part to be performed or satisfied at or prior to the Closing Date;

 

(ii)           No stop order suspending the effectiveness of the Registration Statement has been issued, and no proceedings for that purpose have been instituted and are pending or, to the knowledge of such officer, have been threatened as of the Closing Date;

 

(iii)           Nothing has come to the attention of such officer that would lead such officer to believe that the Preliminary Prospectus or the Final Prospectus (including in each case, the Designated Static Pool Information) contains any untrue statement of a material fact or omits to state any material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading; and

 

(iv)           Nothing has come to the attention of such officer that would lead such officer to believe that any Seller Mortgage Loan Information contains any untrue

  

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statement of a material fact or, in conjunction with the Preliminary Prospectus or the Final Prospectus (including in each case, the Designated Static Pool Information), omits any material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading.

 

(c)           Redwood Trust shall have furnished to the Underwriters a certificate, dated the Closing Date, of Redwood Trust, signed by the Chairman of the Board or President and the principal financial or accounting officer of Redwood Trust, to the effect that each signer of such certificate has carefully examined the Registration Statement, the Preliminary Prospectus, the Final Prospectus, the Designated Static Pool Information and this Agreement and that:

 

(i)           The representations and warranties of Redwood Trust herein are true and correct in all material respects on and as of the Closing Date with the same effect as if made on the Closing Date, and Redwood Trust has complied with all agreements and satisfied all the conditions on its part to be performed or satisfied at or prior to the Closing Date;

 

(ii)           No stop order suspending the effectiveness of the Registration Statement has been issued, and no proceedings for that purpose have been instituted and are pending or, to the knowledge of such officer, have been threatened as of the Closing Date; and

 

(iii)           Nothing has come to the attention of such officer that would lead such officer to believe that the Preliminary Prospectus or the Final Prospectus (including in each case, the Designated Static Pool Information) contains any untrue statement of a material fact or omits to state any material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading.

  

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(d)           Each of the Depositor and the Seller shall have furnished to you an opinion, dated the Closing Date, of Tobin & Tobin or Orrick, Herrington & Sutcliffe LLP, special counsel to the Depositor and the Seller, in form and substance satisfactory to the Underwriters and counsel to the Underwriters, to the effect that:

 

(i)           Such entity has been duly incorporated, is validly existing as a corporation in good standing under the laws of the State of its incorporation and is duly qualified to do business in, and is in good standing as a foreign corporation under the laws of, each jurisdiction where the character of its properties or the nature of its activities makes such qualification necessary, except such jurisdictions, if any, in which the failure to be so qualified will not have a material adverse effect on the condition (financial or otherwise), earnings, regulatory affairs, business affairs, business prospects or properties of such entity; and such entity holds all material licenses, certificates and permits from all governmental authorities necessary for the conduct of its business as described in the Final Prospectus;

 

(ii)           No filing or registration with, notice to, or consent, approval, authorization, order or other action of any governmental agency or body or any court is required for the consummation by such entity of the transactions contemplated by the terms of the Transaction Documents to which it is a party except such as may be required under the “blue sky” or state securities laws of any jurisdiction in connection with the offering, sale or acquisition of the Underwritten Certificates, any recordations of the Mortgage Loans to the Trustee (to the extent such recordations are required pursuant to the Pooling and Servicing Agreement and/or the Underlying Purchase and Servicing

  

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Agreements) and filings under the Uniform Commercial Code that have not yet been completed and such other approvals as have been obtained;

 

(iii)           The issuance, delivery and sale of the Underwritten Certificates to be purchased by the Underwriters pursuant to this Agreement, the execution and delivery of the Transaction Documents by such entity and the consummation of any of the transactions contemplated by the terms of the Transaction Documents do not conflict with or result in a breach or violation of any material term or provision of, or constitute a default under, the certificate of incorporation or by-laws of such entity, or any indenture, contract, lease, mortgage, deed of trust, note, agreement or other evidence of indebtedness or other agreement, obligation or instrument to which such entity is a party or by which it or its property is bound, or any statute or any law, decree, order, rule or regulation applicable to such entity of any court, regulatory body, administrative agency or governmental body having jurisdiction over such entity or its properties;

 

(iv)           There are no legal or governmental actions, investigations or proceedings pending to which such entity is a party, or, to the best knowledge of such counsel, threatened against such entity, (A) asserting the invalidity of any Transaction Document or the Certificates, (B) seeking to prevent the issuance of the Certificates or the consummation of any of the transactions contemplated by any Transaction Document, (C) which might materially and adversely affect the performance by such entity of its respective obligations under, or the validity or enforceability of, any Transaction Document or the Certificates, except as described in the Final Prospectus or (D) seeking to affect adversely the REMIC status (for Federal income tax purposes) of the

  

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Underwritten Certificates as described in the Final Prospectus under the heading “Material Federal Income Tax Consequences”;

 

(v)           The Registration Statement and any amendments thereto have become effective under the Securities Act; to the best knowledge of such counsel, no stop order suspending the effectiveness of the Registration Statement has been issued and not withdrawn, no proceedings for that purpose have been instituted or threatened and not terminated; and the Registration Statement and each Prospectus and each amendment or supplement thereto (in the case of the Registration Statement and the Final Prospectus), as of their respective effective or issue dates (other than the financial and statistical information contained therein as to which such counsel need express no opinion), complied as to form in all material respects with the applicable requirements of the Securities Act and the respective rules and regulations thereunder;

 

(vi)           To the best knowledge of such counsel, there are no material contracts, indentures or other documents of a character required to be described or referred to in the Registration Statement or any Prospectus or to be filed as exhibits to the Registration Statement other than those described or referred to therein or filed or incorporated by reference as exhibits thereto;

 

(vii)           Each Transaction Document to which such entity is a party has been duly authorized, executed and delivered by such entity and constitutes a valid, legal and binding agreement of such entity enforceable against such entity in accordance with its terms, subject, as to enforceability to bankruptcy, insolvency, reorganization, moratorium or other similar laws affecting creditors’ rights generally and to general principles of equity regardless of whether enforcement is sought in a proceeding in equity or at law;

  

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(viii)           The direction by the Depositor to the Trustee to execute, authenticate and deliver the Underwritten Certificates has been duly authorized by the Depositor, and the Underwritten Certificates, when authenticated by the Trustee in the manner anticipated by the Pooling and Servicing Agreement and delivered and paid for by you as provided in this Agreement, will be validly issued and outstanding and entitled to the benefits of the Pooling and Servicing Agreement;

 

(ix)           The Underwritten Certificates and the Transaction Documents conform in all material respects to the descriptions thereof contained in the Final Prospectus;

 

(x)           The statements in the Final Prospectus under the headings “Certain Legal Aspects of the Loans” and “Legal Investment,” to the extent that they constitute matters of law or legal conclusions with respect thereto, have been reviewed by such counsel and are correct in all material respects;

 

(xi)           The Underwritten Certificates indicated under the heading “Summary of Terms — Legal Investment” in the Final Prospectus to be “mortgage related securities” will be mortgage related securities, as defined in Section 3(a)(41) of the Exchange Act, so long as such Underwritten Certificates are rated in one of the two highest rating categories by at least one nationally recognized statistical rating organization; and

 

(xii)           The Pooling and Servicing Agreement is not required to be qualified under the Trust Indenture Act of 1939, as amended, and neither the Depositor nor the Issuing Entity is required to be registered as an “investment company” under the 1940 Act.

 

Such opinion of counsel shall also include negative assurances satisfactory to the Underwriters with respect to the Preliminary Prospectus and the Final Prospectus.

  

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Such opinion may express its reliance as to factual matters on the representations and warranties made by, and on certificates or other documents furnished by officers of, the parties to the Transaction Documents.  Such opinion may assume the due authorization, execution and delivery of the instruments and documents referred to therein by the parties thereto other than the Seller, the Depositor and Redwood Trust.  Such opinion may be qualified as an opinion only on the laws of the States of New York and Delaware and the federal law of the United States.  To the extent that such firm relies upon the opinion of other counsel in rendering any portion of its opinion, the opinion of such other counsel shall be attached to and delivered with the opinion of such firm that is delivered to you.

 

(e)           The Depositor shall have furnished to the Underwriters an opinion, dated the Closing Date, of Chapman and Cutler LLP, special tax counsel to the Depositor, in form and substance satisfactory to the Underwriters and counsel to the Underwriters, to the effect that:

 

(i)           The statements in the Final Prospectus under the heading “Material Federal Income Tax Consequences,” as supplemented or modified by the statements in the Prospectus Supplement under the heading “Material Federal Income Tax Consequences,”  to the extent that they constitute matters of  law or legal conclusions with respect to Federal income tax matters, are correct in all material respects; and

 

(ii)           Each segregated asset pool for which the Pooling and Servicing Agreement directs the Trustee to make a REMIC election will qualify as a REMIC within the meaning of Section 860D of the Code.

  

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(f)           Redwood Trust shall have furnished to the Underwriters an opinion, dated the Closing Date, of Tobin & Tobin, special counsel to Redwood Trust, in form and substance satisfactory to the Underwriters and counsel to the Underwriters, to the effect that:

 

(i)           Redwood Trust has been duly incorporated and is validly existing as a corporation in good standing under the laws of the State of Maryland and is duly qualified to do business in, and is in good standing as a foreign corporation under the laws of, each jurisdiction where the character of its properties or the nature of its activities makes such qualification necessary, except such jurisdictions, if any, in which the failure to be so qualified will not have a material adverse effect on the condition (financial or otherwise), earnings, regulatory affairs, business affairs, business prospects or properties of Redwood Trust; and Redwood Trust holds all material licenses, certificates and permits from all governmental authorities necessary for the conduct of its business as described in the Final Prospectus;

 

(ii)           Each Transaction Document to which Redwood Trust is a party has been duly authorized, executed and delivered by Redwood Trust and constitutes a valid, legal and binding agreement of Redwood Trust, enforceable against Redwood Trust in accordance with its terms, subject, as to enforceability to bankruptcy, insolvency, reorganization, moratorium or other similar laws affecting creditors’ rights generally and to general principles of equity regardless of whether enforcement is sought in a proceeding in equity or at law;

 

(iii)           No consent, approval, authorization or order of any court or governmental agency or body is required for the consummation by Redwood Trust of the transactions contemplated by the terms of the Transaction Documents to which Redwood Trust is a

  

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party except such as may be required under the “blue sky” or state securities laws of any jurisdiction in connection with the offering, sale or acquisition of the Underwritten Certificates, any recordations of the assignment of the Mortgage Loans to the Trustee (to the extent such recordations are required pursuant to the Pooling and Servicing Agreement and/or the Underlying Purchase and Servicing Agreements) that have not yet been completed and such other approvals as have been obtained;

 

(iv)           The consummation of any of the transactions contemplated by the terms of the Transaction Documents to which Redwood Trust is a party do not conflict with or result in a breach or violation of any material term or provision of, or constitute a default under, the charter or by-laws of Redwood Trust, or, to the best knowledge of such counsel, any indenture or other agreement or instrument to which Redwood Trust is a party or by which it is bound, or any statute or regulation applicable to Redwood Trust or any order of any court, regulatory body, administrative agency or governmental body having jurisdiction over Redwood Trust; and

 

(v)           There are no legal or governmental actions, investigations or proceedings pending to which Redwood Trust is a party, or, to the best knowledge of such counsel, threatened against Redwood Trust, (A) asserting the invalidity of any Transaction Document to which Redwood Trust is a party or (B) which might materially and adversely affect the performance by Redwood Trust of its obligations under, or the validity or enforceability of any Transaction Document to which Redwood Trust is a party.

 

Such opinion may express its reliance as to factual matters on the representations and warranties made by, and on certificates or other documents furnished by officers of,

  

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the parties to the Transaction Documents.  Such opinion may assume the due authorization, execution and delivery of the instruments and documents referred to therein by the parties thereto other than Redwood Trust, the Seller and the Depositor.  Such opinion may be qualified as an opinion only on the laws of the States of Maryland, New York and California and the federal law of the United States.  To the extent that such counsel relies upon the opinion of other counsel in rendering any portion of its opinion, the opinion of such other counsel shall be attached to and delivered with the opinion of such counsel that is delivered to the Underwriters.

 

(g)           The Trustee shall have furnished to the Underwriters an opinion, dated the Closing Date, of Dorsey & Whitney LLP, counsel to the Trustee, in form and substance satisfactory to the Underwriters and counsel to the Underwriters, to the effect that:

 

(i)           The Trustee has been duly organized and is validly existing as a national banking association duly organized under the laws of the United States of America, and is duly qualified to do business in each jurisdiction where the character of its properties or the nature of its activities makes such qualification necessary, except such jurisdictions, if any, in which the failure to be so qualified will not have a material adverse effect on the condition (financial or otherwise), earnings, regulatory affairs, business affairs, business prospects or properties of the Trustee; and the Trustee holds all material licenses, certificates and permits from all governmental authorities necessary for the conduct of its business as described in the Final Prospectus;

 

(ii)           The Pooling and Servicing Agreement has been duly authorized, executed and delivered by the Trustee and constitutes a valid, legal and binding agreement of the Trustee, enforceable against the Trustee in accordance with its terms, subject, as to

  

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enforceability to bankruptcy, insolvency, reorganization, moratorium or other similar laws affecting creditors’ rights generally and to general principles of equity regardless of whether enforcement is sought in a proceeding in equity or at law;

 

(iii)           No consent, approval, authorization or order of any court or governmental agency or body is required for the consummation by the Trustee of the transactions contemplated by the terms of the Pooling and Servicing Agreement, except any such as may be required under the “blue sky” or state securities laws of any jurisdiction in connection with the offering, sale or acquisition of the Underwritten Certificates, any recordations of the assignment of the Mortgage Loans to the Trustee (to the extent such recordations are required pursuant to the Pooling and Servicing Agreement and/or the Underlying Purchase and Servicing Agreements) that have not yet been completed and such other approvals as have been obtained; and

 

(iv)           The consummation of any of the transactions contemplated by the Pooling and Servicing Agreement do not conflict with or result in a breach or violation of any material term or provision of, or constitute a default under, the charter or by-laws of the Trustee, or, to the best knowledge of such counsel, any indenture or other agreement or instrument to which the Trustee is a party or by which it is bound, or any statute or regulation applicable to the Trustee or any order of any court, regulatory body, administrative agency or governmental body having jurisdiction over the Trustee.

 

Such opinion may express its reliance as to factual matters on the representations and warranties made by, and on certificates or other documents furnished by officers of, the parties to the Transaction Documents.  Such opinion may assume the due authorization, execution and delivery of the instruments and documents referred to

  

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therein by the parties thereto other than the Trustee.  Such opinion may be qualified as an opinion only on the laws of the States of New York and Delaware and the federal law of the United States.  To the extent that such counsel relies upon the opinion of other counsel in rendering any portion of its opinion, the opinion of such other counsel shall be attached to and delivered with the opinion of such counsel that is delivered to the Underwriters.

 

(h)           The Master Servicer and the Securities Administrator shall have furnished to the Underwriters an opinion, dated the Closing Date, of counsel to the Master Servicer or Alston & Bird LLP, counsel to such parties, in form and substance satisfactory to the Underwriters and counsel to the Underwriters, to the effect that:

 

(i)           Each of the Master Servicer and the Securities Administrator has been duly organized and is validly existing as a national banking association under the laws of the United States of America, and is duly qualified to do business in each jurisdiction where the character of its properties or the nature of its activities makes such qualification necessary, except such jurisdictions, if any, in which the failure to be so qualified will not have a material adverse effect on the condition (financial or otherwise), earnings, regulatory affairs, business affairs, business prospects or properties of the such party; and such party holds all material licenses, certificates and permits from all governmental authorities necessary for the conduct of its business as described in the Final Prospectus;

 

(ii)           The Pooling and Servicing Agreement has been duly authorized, executed and delivered by each of the Master Servicer and the Securities Administrator and constitutes a valid, legal and binding agreement of the such party, enforceable against such party in accordance with its terms, subject, as to enforceability to bankruptcy,

  

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insolvency, reorganization, moratorium or other similar laws affecting creditors’ rights generally and to general principles of equity regardless of whether enforcement is sought in a proceeding in equity or at law;

 

(iii)           No consent, approval, authorization or order of any court or governmental agency or body is required for the consummation by the either the Master Servicer or the Securities Administrator of the transactions contemplated by the terms of the Pooling and Servicing Agreement;

 

(iv)           The consummation of any of the transactions contemplated by the terms of the Pooling and Servicing Agreement do not conflict with or result in a breach or violation of any material term or provision of, or constitute a default under, the charter or by-laws of either the Master Servicer or the Securities Administrator or, to the best knowledge of such counsel, any indenture or other agreement or instrument to which such party is a party or by which it is bound, or any statute or regulation applicable to such party or any order of any court, regulatory body, administrative agency or governmental body having jurisdiction over such party; and

 

(v)           There are no legal or governmental actions, investigations or proceedings pending to which either the Master Servicer or the Securities Administrator is a party, or, to the best knowledge of such counsel, threatened against the such party, (A) asserting the invalidity of the Pooling and Servicing Agreement or (B) which might materially and adversely affect the performance by such party of its obligations under, or the validity or enforceability of, the Pooling and Servicing Agreement.

 

Such opinion may express its reliance as to factual matters on the representations and warranties made by, and on certificates or other documents furnished by officers of,

  

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the parties to the Transaction Documents.  Such opinion may assume the due authorization, execution and delivery of the instruments and documents referred to therein by the parties thereto other than the Master Servicer or the Securities Administrator.  Such opinion may be qualified as an opinion only on the laws of the States of New York and Delaware and the federal law of the United States.  To the extent that such counsel relies upon the opinion of other counsel in rendering any portion of its opinion, the opinion of such other counsel shall be attached to and delivered with the opinion of such counsel that is delivered to the Underwriters.

 

(i)           The Underwriters shall have received copies of any opinions of counsel delivered to the rating agencies set forth in the Final Prospectus as rating the Underwritten Certificates, including, but not limited to, any “true sale” or “perfection” opinions.  Any such opinions shall be dated the Closing Date and addressed to the Underwriters or accompanied by reliance letters addressed to the Underwriters.

 

(j)           The Underwriters shall have received from their counsel such opinion or opinions, dated the Closing Date, with respect to the issuance and sale of the Underwritten Certificates, the Registration Statement and each Prospectus, and such other related matters as you may reasonably require, including a negative assurance letter satisfactory to the Underwriters with respect to the Preliminary Prospectus or the Final Prospectus.

 

(k)           The Depositor’s independent accountants, Deloitte & Touche LLP, shall have furnished to the Underwriters a letter or letters addressed to the Underwriters and dated as of or prior to the date of first use of any Free Writing Prospectus other than an Underwriter Free Writing Prospectus, the Preliminary Prospectus or the Final Prospectus in the form and reflecting the performance of the procedures previously agreed to by the Depositor and the Underwriters.

  

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(l)           Subsequent to the date hereof, there shall not have occurred any change, or any development involving a prospective change in or affecting the earnings, business or properties of Redwood Trust, the Depositor or the Seller which, in your judgment, materially impairs the investment quality of the Underwritten Certificates so as to make it impractical or inadvisable to proceed with the public offering or the delivery of the Underwritten Certificates as contemplated by the Final Prospectus.

 

(m)           The Underwritten Certificates shall be rated not lower than the required ratings set forth in the Free Writing Prospectus dated September 16, 2011 with respect to ratings of the Underwritten Certificates, such ratings shall not have been rescinded and no public announcement shall have been made that any such required rating of the Underwritten Certificates has been placed under review (otherwise than for possible upgrading).

 

(n)           The Depositor shall have furnished to the Underwriters such further information, certificates and documents as the Underwriters may reasonably have requested, and all proceedings in connection with the transactions contemplated by this Agreement and all documents incident hereto shall be in all material respects satisfactory in form and substance to the Underwriters and their counsel.

 

If any of the conditions specified in this Section 6 shall not have been fulfilled when and as provided in this Agreement, this Agreement and all obligations of an Underwriter hereunder may be canceled at, or at any time prior to, the Closing Date by such Underwriter.  Notice of such cancellation shall be given to the Depositor in writing, or by telephone or telegraph confirmed in writing.

 

7.           Termination.  This Agreement shall be subject to termination in your absolute discretion, by notice given to the Depositor if, subsequent to the date hereof, (i) trading generally

  

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shall have been suspended or materially limited on, or by, as the case may be, any of the New York Stock Exchange, the American Stock Exchange, the Nasdaq National Market, the Chicago Board of Options Exchange, the Chicago Mercantile Exchange or the Chicago Board of Trade, (ii) trading of any securities of Redwood Trust or the Depositor shall have been suspended on any exchange or in any over-the-counter market, (iii) a material disruption in securities settlement, payment or clearance services in the United States shall have occurred, (iv) any moratorium on commercial banking activities shall have been declared by Federal or New York State authorities or (v) there shall have occurred any outbreak or escalation of hostilities, or any change in financial markets or any calamity or crisis that, in your judgment, is material and adverse and which, singly or together with any other event specified in this clause (v), makes it, in your judgment, impracticable or inadvisable to proceed with the offer, sale or delivery of the Underwritten Certificates on the terms and in the manner contemplated in the Final Prospectus.

 

8.           Representations and Indemnities to Survive.  The respective agreements, representations, warranties, indemnities and other statements of the Depositor, the Seller and Redwood Trust and their respective officers and of each Underwriter set forth in or made pursuant to this Agreement will remain in full force and effect, regardless of any investigation made by or on behalf of any Underwriter or the Depositor, the Seller or Redwood Trust, and will survive delivery of and payment for the Underwritten Certificates.  The provisions of Sections 5(iv), 9, 11 and 12 hereof shall survive the termination or cancellation of this Agreement.

 

9.           Reimbursement of Underwriter Expenses.  If for any reason, other than default by any Underwriter in its obligation to purchase the Underwritten Certificates or termination by any Underwriter pursuant to Section 7 hereof, the Underwritten Certificates are not delivered as provided herein, the Depositor, the Seller and Redwood Trust jointly and severally agree to

  

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reimburse each Underwriter for all damages, losses and out-of-pocket expenses of such Underwriter, including reasonable fees and disbursements of its counsel, reasonably incurred by such Underwriter in making preparations for the purchase, sale and delivery of the Underwritten Certificates, but the Depositor, the Seller and Redwood Trust shall then be under no further liability to any Underwriter with respect to the Underwritten Certificates, except as provided in Sections 5(iv), 8, 11 or 12 hereof.

 

10.           Certain Definitions.  For purposes of this Agreement, the following terms shall have the respective meanings set forth below:

 

Custom Loan Information:  Such information regarding the Mortgage Loans as is disseminated by any Underwriter to a potential investor, exclusive of any Seller Mortgage Loan Information (in the form provided by the Depositor) and information included in the Preliminary Term Sheet.

 

Contract of Sale:  A valid contract, whether oral or written, by which a third party becomes committed to purchase any Underwritten Certificates from any Underwriter and such Underwriter becomes committed to sell such Underwritten Certificates to such third party; provided that “Contract of Sale” excludes any action by such third party and such Underwriter prior to such commitments.

 

Derived Information:  Such information regarding the Underwritten Certificates as is disseminated by any Underwriter to a potential investor, which information is prepared on the basis of or derived from Seller Mortgage Loan Information (e.g., tables and/or charts displaying with respect to any Class or Classes of Underwritten Certificates, any of the following:  yield, average life, duration, expected maturity, interest rate sensitivity, loss sensitivity), but does not include (i) Issuer Information, (ii) information contained in the Registration Statement, any

 

  

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Prospectus or any amendment or supplement to any of them, taking into account information incorporated therein by reference or (iii) Seller Mortgage Loan Information.

 

Free Writing Prospectus:  The Preliminary Term Sheet and any Custom Loan Information, Derived Information or other information relating to the Underwritten Certificates disseminated by the Depositor (with the prior consent of the Underwriters pursuant to Section 4) or by any Underwriter (with the prior consent of the Depositor pursuant to Section 4), that constitutes a “free writing prospectus” within the meaning of Rule 405 under the Securities Act.

 

Issuer Information:  Such information as defined in Rule 433(h) under the Securities Act and information that is based on or derived from such information, but excluding Derived Information or Custom Loan Information.

 

Preliminary Term Sheet:  The preliminary term sheet dated September 15, 2011.

 

Seller Mortgage Loan Information:  Information relating to the Mortgage Loans furnished by or on behalf of the Depositor or the Seller to the Underwriters.

 

Spread:  The excess, if any, of (i) the purchase prices paid by investors to an Underwriter for the Underwritten Certificates over (ii) the purchase price paid by such Underwriter to the Depositor for the Underwritten Certificates purchased by such Underwriter.

 

Underwriter Free Writing Prospectus:  Any Free Writing Prospectus that was prepared by or on behalf of an Underwriter.

 

Underwriter Information:  The only written information furnished by or on behalf of an Underwriter to the Depositor specifically for use in connection with the preparation of the Registration Statement, any Prospectus or any Free Writing Prospectus, such information being specified on Exhibit A attached hereto.

  

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11.           Indemnification.  (a)  The Depositor, the Seller and Redwood Trust jointly and severally agree to indemnify and hold harmless each Underwriter and each person who controls an Underwriter within the meaning of either the Securities Act or the Exchange Act against any and all losses, claims, damages or liabilities, joint or several, to which they may become subject under the Securities Act, the Exchange Act, or other federal or state statutory law or regulation, at common law or otherwise, insofar as such losses, claims, damages or liabilities (or actions in respect thereof) arise out of or are based upon (i) any untrue statement or alleged untrue statement of a material fact contained in the Registration Statement or in any revision or amendment thereof or supplement thereto, (ii) the omission or alleged omission to state therein a material fact required to be stated in the Registration Statement or necessary to make the statements therein, in the light of the circumstances under which they were made, not misleading, (iii) any untrue statement or alleged untrue statement of a material fact contained in the Preliminary Prospectus (expressly including any information relating to a servicer or an originator), taken together with the Designated Static Pool Information, (iv) the omission or alleged omission to state therein a material fact required to be stated in the Preliminary Prospectus (expressly including any information relating to a servicer or an originator), taken together with the Designated Static Pool Information, or necessary to make the statements therein, in the light of the circumstances under which they were made, not misleading, (v) any untrue statement or alleged untrue statement of a material fact contained in the Final Prospectus (expressly including any information relating to a servicer or an originator), taken together with the Designated Static Pool Information, or in any revision or amendment thereof or supplement thereto, (vi) the omission or alleged omission to state in the Final Prospectus (expressly including any information relating to a servicer or an originator) or the Designated Static Pool

  

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Information, or in any revision or amendment thereof or supplement thereto, a material fact required to be stated therein or necessary to make the statements therein, in the light of the circumstances under which they were made, not misleading, (vii) any untrue statement or alleged untrue statement of a material fact contained in a Free Writing Prospectus other than an Underwriter Free Writing Prospectus, or (viii) the omission or alleged omission to state in a Free Writing Prospectus other than an Underwriter Free Writing Prospectus a material fact required to be stated in a Free Writing Prospectus or necessary to make the statements therein, in the light of the circumstances under which they were made, not misleading, and further agree to promptly reimburse each such indemnified party for any legal or other expenses reasonably incurred by it or him, as incurred, in connection with defending or preparing to defend against any such loss, claim, damage, liability or action; provided, however, that none of the Depositor, the Seller or Redwood Trust shall be liable to a particular Underwriter or any person who controls such Underwriter to the extent that any misstatement or alleged misstatement or omission or alleged omission (i) was made in the Preliminary Prospectus, the Final Prospectus, any Free Writing Prospectus, the Registration Statement or the Designated Static Pool Information, as applicable, pursuant to Underwriter Information, Derived Information or Custom Loan Information disseminated by such Underwriter (unless such misstatement or alleged misstatement or omission or alleged omission resulted from an error or material omission in the Seller Mortgage Loan Information), (ii) was corrected (with such correction timely delivered to the Underwriter) at least one business day prior to the written confirmation of the applicable Contract of Sale and such Underwriter did not deliver, at or prior to the written confirmation of such sale, a copy of the Final Prospectus as then revised, amended or supplemented, if the Depositor has previously furnished copies thereof to the Underwriters in accordance with the terms of this Agreement, (iii)

  

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was made in any Free Writing Prospectus or the Registration Statement and was corrected in the Preliminary Prospectus but the applicable Underwriter did not deliver, prior to entering into the applicable Contract of Sale, a copy of the Preliminary Prospectus to the applicable purchaser, if the Depositor has previously furnished copies thereof to the Underwriters in accordance with the terms of this Agreement or (iv) is attributable to a breach or an alleged breach of a representation and warranty made by such Underwriter or an affiliate of such Underwriter to the Depositor or an affiliate of the Depositor.  This agreement as to indemnity will be in addition to any liability that the Depositor, the Seller or Redwood Trust may otherwise have.

 

(b)           Each Underwriter severally agrees to indemnify and hold harmless the Depositor, Redwood Trust and the Seller, the officers of the Depositor who signed the Registration Statement or any amendment thereof, the directors of the Depositor, and each person who controls the Depositor, Redwood Trust or the Seller within the meaning of either the Securities Act or the Exchange Act, to the same extent as the foregoing indemnities from the Depositor, the Seller and Redwood Trust to each Underwriter; provided, however, that an Underwriter will be liable in any such case only to the extent that such untrue statement or alleged untrue statement or omission or alleged omission was made in reliance upon and in conformity with Underwriter Information, Derived Information or Custom Loan Information, as applicable, furnished by that particular Underwriter to the Depositor or to a prospective investor, except to the extent that any untrue statement or alleged untrue statement therein or omission therefrom resulted (or is alleged to have resulted) directly from an error in the Seller Mortgage Loan Information that was used in the preparation of either (x) any Underwriter Information, Derived Information or Custom Loan Information (or amendment or supplement thereof) or (y) any written or electronic materials furnished to prospective investors on which the Underwriter Information (or amendments or

  

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supplements) were based, and for any untrue statement or alleged untrue statement of a material fact contained in any Underwriter Free Writing Prospectus prepared by or on behalf of such Underwriter and the omission or alleged omission to state in any Underwriter Free Writing Prospectus prepared by or on behalf of such Underwriter a material fact required to be stated in a Free Writing Prospectus or necessary to make the statements therein, in the light of the circumstances under which they were made, not misleading.  This agreement as to indemnity will be in addition to any liability that any Underwriter may otherwise have.

 

(c)           Promptly after receipt of notice of the commencement of any action by an indemnified party under this Section 11, such indemnified party shall, if a claim in respect thereof is to be made against the indemnifying party under this Section 11, notify the indemnifying party in writing of the commencement thereof; provided, however, that the omission so to notify the indemnifying party will not relieve the indemnifying party from any liability which it may have to any indemnified party, unless the indemnifying party is materially prejudiced by such failure to notify and in any event shall not relieve the indemnifying party from any liability which it may have to any indemnified party other than under this Section 11.  In case any such action is brought against any indemnified party and it notifies the indemnifying party of the commencement thereof, the indemnifying party shall be entitled to participate therein, and to the extent that it may elect by written notice delivered to the indemnified party, to assume the defense thereof; provided, however, that if the defendants in any such action include both the indemnified party and the indemnifying party and the indemnified party (including impleaded parties) and the indemnified party or parties shall have reasonably concluded that there may be legal defenses available to it or them and/or other indemnified parties that are different from or additional to those available to the indemnifying party such that joint

  

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representation of the parties would create an ethical conflict of interest for counsel, the indemnified party or parties shall have the right to elect to be represented by separate counsel to assert such legal defenses and to otherwise participate in the defense of such action on behalf of such indemnified party or parties.  Upon receipt of notice from the indemnifying party to such indemnified party of its election so to assume the defense of such action and consent by the indemnified party to selection of counsel, which consent shall not be withheld unreasonably, the indemnifying party will not be liable for any legal or other expenses subsequently incurred by such indemnified party in connection with the defense thereof, unless (i) the indemnified party shall have employed separate counsel in connection with the assertion of legal defenses in accordance with the proviso to the next preceding sentence (it being understood, however, that the indemnifying party shall not be liable for the expenses of more than one separate counsel (in addition to local counsel) for each of the Underwriters in the case of paragraph (a) of this Section 11, representing the related indemnified parties under such paragraph (a) who are parties to such action), (ii) the indemnifying party shall not have employed counsel satisfactory to the indemnified party to represent the indemnified party within a reasonable time after notice of commencement of the action or (iii) the indemnifying party has authorized the employment of counsel for the indemnified party at the expense of the indemnifying party; and except that, if clause (i) or (iii) is applicable, such liability shall only be in respect of the counsel referred to in such clause (i) or (iii).  The indemnifying party shall not be liable for any settlement of any proceeding effected without its written consent, but if settled with such consent or if there be a final judgment for the plaintiff, the indemnifying party agrees to indemnify the indemnified party from and against any loss or liability by reason of such settlement or judgment.  No indemnifying party shall, without the consent of the indemnified party, effect any settlement of

  

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any pending or threatened proceeding in respect of which any indemnified party is or could have been a party and indemnity could have been sought hereunder by such indemnified party, unless such settlement includes an unconditional release of such indemnified party from all liability on claims that are the subject matter of such proceeding.

 

12.           Contribution.  If the indemnification provided for in Section 11 is unavailable or insufficient to hold harmless an indemnified party under Section 11, then (i) each indemnifying party shall contribute to the amount paid or payable by such indemnified party as a result of the losses, claims, damages or liabilities referred to in Section 11 above in such proportion as is appropriate to reflect the relative benefits received by the Depositor, the Seller and Redwood Trust on the one hand and the Underwriter on the other from the offering of the Underwritten Certificates or (ii) if the allocation provided by clause (i) above is not permitted by applicable law, in such proportion as is appropriate to reflect not only the relative benefits referred to in clause (i) above but also the relative fault of the Depositor, the Seller and Redwood Trust on the one hand and the Underwriter on the other in connection with the statements or omissions or alleged statements or alleged omissions which resulted in such losses, claims, damages or liabilities as well as any other relevant equitable considerations.  The relative benefits received by the Depositor, the Seller and Redwood Trust on the one hand and the Underwriters on the other shall be in such proportion so that the Underwriters are responsible for an amount equal to the Spread, and the Depositor, the Seller and Redwood Trust are responsible for the balance.  The relative fault shall be determined by reference to, among other things, whether the untrue or alleged untrue statement of a material fact or the omissions or alleged omission to state a material fact relates to information supplied by the Depositor, the Seller or Redwood Trust or by the Underwriters and the parties’ relative intent, knowledge, access to information and

  

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opportunity to correct or prevent such untrue statement or omission.  The Depositor, the Seller, Redwood Trust and the Underwriters agree that it would not be just and equitable if contribution were determined by pro rata allocation or by any other method of allocation that does not take account of the equitable considerations referred to above.  The amount paid by an indemnified party as a result of the losses, claims, damages or liabilities referred to in the first sentence of this Section 12 shall be deemed to include any legal or other expenses reasonably incurred by such indemnified party in connection with investigating or defending any action or claim which is the subject of this Section 12.  An Underwriter shall not be required to contribute any amount in excess of (x) the Spread of such Underwriter, over (y) the amount of any damages which the applicable Underwriter has otherwise been required to pay by reason of such untrue or alleged untrue statement or omission or alleged omission.  The obligation of any Underwriter to contribute under this Section 12 is several in proportion to the portion of the Spread applicable to it.  No person guilty of fraudulent misrepresentation (within the meaning of Section 11(f) of the Securities Act) shall be entitled to contribution from any person who was not guilty of such fraudulent misrepresentation.

 

13.           Successors.  This Agreement will inure to the benefit of and be binding upon the parties hereto and their respective successors and assigns, and no other person will have any right or obligation hereunder.

 

14.           Applicable Law.  This Agreement will be governed by, and construed in accordance with, the laws of the State of New York applicable to agreements made and to be performed therein, without reference to its conflict of law provisions (other than Section 5-1401 of the General Obligations Law), and the obligations, rights and remedies of the parties hereunder shall be determined in accordance with such laws.

  

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15.           No Advisory or Fiduciary Responsibility.  The Depositor acknowledges and agrees that: (i) the purchase and sale of the Underwritten Certificates pursuant to this Agreement, including the determination of the public offering price of the Underwritten Certificates and any related discounts and commissions, is an arm’s-length commercial transaction between the Depositor, on the one hand, and the several Underwriters, on the other hand, and the Depositor is capable of evaluating and understanding and understands and accepts the terms, risks and conditions of the transactions contemplated by this Agreement; (ii) in connection with each transaction contemplated hereby and the process leading to such transaction each Underwriter is and has been acting solely as a principal and is not the financial advisor, agent or fiduciary of the Depositor or its affiliates, stockholders, creditors or employees or any other party; (iii) no Underwriter has assumed or will assume an advisory, agency or fiduciary responsibility in favor of the Depositor with respect to any of the transactions contemplated hereby or the process leading thereto (irrespective of whether such Underwriter has advised or is currently advising the Depositor on other matters) or any other obligation to the Depositor except the obligations expressly set forth in this Agreement; (iv) the several Underwriters and their respective affiliates may be engaged in a broad range of transactions that involve interests that differ from those of the Depositor and that the several Underwriters have no obligation to disclose any of such interests by virtue of any advisory, agency or fiduciary relationship; and (v) the Underwriters have not provided any legal, accounting, regulatory or tax advice with respect to the offering contemplated hereby and the Depositor has consulted its own legal, accounting, regulatory and tax advisors to the extent it deemed appropriate.

 

This Agreement supersedes all prior agreements and understandings (whether written or oral) between the Depositor and the several Underwriters, or any of them, with respect to the

  

47

  

subject matter hereof.  The Depositor hereby waives and releases, to the fullest extent permitted by law, any claims that the Depositor may have against the several Underwriters with respect to any breach or alleged breach of agency or fiduciary duty.

 

The Depositor acknowledges and agrees that the Underwriters are acting solely in the capacity of an arm's length contractual counterparty to the Depositor with respect to the offering of Underwritten Certificates contemplated hereby (including in connection with determining the terms of the offering) and not as a financial advisor or a fiduciary to, or an agent of, the Depositor or any other person.  In addition, no Underwriter is advising the Depositor or any other person as to any legal, tax, investment, accounting or regulatory matters in any jurisdiction.  The Depositor shall consult with its own advisors concerning such matters, and the Underwriters shall have no responsibility or liability to the Depositor with respect thereto.  Any review by the Underwriters of the Depositor, the transactions contemplated hereby or other matters relating to such transactions will be performed solely for the benefit of the Underwriters and shall not be on behalf of the Depositor

 

16.           Miscellaneous.  Time shall be of the essence of this Agreement.  This Agreement, together with any contemporaneous written agreements and any prior written agreements (to the extent not superseded by this Agreement) that relate to the offering of the Underwritten Certificates, represents the entire agreement between Depositor, the Seller and Redwood Trust, on the one hand, and the Underwriters, on the other, with respect to the preparation of the Preliminary Prospectus, the Final Prospectus and any Free Writing Prospectus, the conduct of the offering and the purchase and sale of the Underwritten Certificates.  Neither this Agreement nor any term hereof may be changed, waived, discharged or terminated except by a writing signed by the party against whom enforcement of such change, waiver, discharge or termination is sought.

  

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This Agreement may be signed in any number of counterparts, each of which shall be deemed an original, which taken together shall constitute one and the same instrument.

 

17.           Notices.  All communications hereunder shall be in writing and effective only on receipt and, if sent to an Underwriter, shall be delivered to the address specified on the signature page hereof.  If such notice is sent to the Depositor, the Seller or Redwood Trust, it shall be delivered to One Belvedere Place, Suite 330, Mill Valley, California 94941, attention of John Isbrandtsen.

 

* * *

 

  

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If the foregoing is in accordance with your understanding of our agreement please sign and return to the undersigned a counterpart hereof, whereupon this Agreement and your acceptance shall represent a binding agreement by and among the Depositor, the Seller, Redwood Trust and each Underwriter relating to the Underwritten Certificates.

Very truly yours,

 

REDWOOD RESIDENTIAL ACQUISITION CORPORATION,

as Seller

By: /s/ John Isbrandtsen                                                                           

      Name:  John Isbrandtsen

      Title:    Authorized Signatory

SEQUOIA RESIDENTIAL FUNDING, INC.,

as Depositor

By: /s/ John Isbrandtsen                                                                           

      Name:  John Isbrandtsen

      Title:    Authorized Signatory

REDWOOD TRUST, INC.

By: /s/ John Isbrandtsen                                                                           

      Name:  John Isbrandtsen

      Title:    Managing Director

  

  

  

The foregoing Agreement

is hereby confirmed and accepted by:

 

CREDIT SUISSE SECURITIES (USA) LLC

 

By: /s/ Nancy Becker                                                                

     Name: Nancy Becker

     Title: Director

     Address:   Credit Suisse Securities (USA) LLC

11 Madison Avenue

New York, New York 10010

 

 

 

WELLS FARGO SECURITIES, LLC

 

By: /s/ Scott Evans                                                                

     Name: Scott Evans

     Title: Managing Director

     Address:  301 South College Street

Charlotte, North Carolina 28202

 

  

  

  

Schedule 1 – Schedule of Underwritten Certificates

 

	

Class

	  	

Original

Class

Principal

Amount

	  	

Initial Class Interest Rate(1)

	  	

Aggregate Purchase

Price

Percentage of the

Underwriters(2)(3)

	  	

Original Amount to be purchased by Credit Suisse Securities (USA) LLC

	  	

Original Amount to be purchased by Wells Fargo Securities, LLC

	

A-1

	  	

$347,460,000

	  	

3.900%

	  	

99.750%(4)

	  	

$312,714,000

	  	

$34,746,000

	B-1	 	$10,319,000	 	4.614%	 	95.250%	 	$2,500,000	 	$0

__________

	
(1)

	
The Underwritten Certificates will accrue interest at the related interest rate described in the Final Prospectus.

	
(2)

	
The total underwriting fees/discounts payable to Credit Suisse Securities (USA) LLC shall be $781,785.00.

	
(3)

	
The total underwriting fees/discounts payable to Wells Fargo Securities, LLC shall be $86,865.00.

	
(4) 

	
The purchase price percentage with respect to the Class A-1 Certificates reflects the price payable by the underwriters in the aggregate for the Class A-1 Certificates.

  

  

  

EXHIBIT A

The following constitutes Underwriter Information for purposes of Section 10 of this Agreement:

The information set forth in the Preliminary Prospectus Supplement and the Prospectus Supplement (i) in the first and second sentences of the paragraph immediately preceding the penultimate paragraph on the cover page thereof and (ii) in the first, third and fifth paragraphs under the caption “Method of Distribution” therein.

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