Document:

EXECUTION COPY

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                        RESIDENTIAL ACCREDIT LOANS, INC.,

                                    Company,

                        RESIDENTIAL FUNDING CORPORATION,

                                Master Servicer,

                                       and

                      DEUTSCHE BANK TRUST COMPANY AMERICAS,

                                     Trustee

                               SERIES SUPPLEMENT,

                          DATED AS OF JANUARY 1, 2003,

                                       TO

                                STANDARD TERMS OF
                         POOLING AND SERVICING AGREEMENT
                           dated as of August 1, 2002

                 Mortgage Asset-Backed Pass-Through Certificates

                                 Series 2003-QS1

================================================================================

<PAGE>

<TABLE>
<CAPTION>

<S>                                                                                        <C>
Article I    DEFINITIONS....................................................................5

        Section 1.01.  Definitions..........................................................5

        Section 1.02.  Use of Words and Phrases............................................17

        Section 1.03.  Determination of LIBOR..............................................17

Article II   CONVEYANCE OF MORTGAGE LOANS; ORIGINAL

        ISSUANCE OF CERTIFICATES...........................................................19

        Section 2.01.   Conveyance of Mortgage Loans.
                      (See Section 2.01 of the Standard Terms).............................19

        Section 2.02.   Acceptance by Trustee.  (See Section 2.02 of the Standard Terms)...19

        Section 2.03.   Representations, Warranties and Covenants of the
                      Master Servicer and the Company......................................19

        Section 2.04. Representations and Warranties of Sellers. (See Section 2.04 of the Standard
                      Terms)...............................................................22

        Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates Evidencing
                      Interests in REMIC I Certificates....................................22

        Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular Interests; Acceptance
                      by the Trustee.......................................................22

        Section 2.07. Issuance of Certificates Evidencing Interest in REMIC II.............22

        Section 2.08. Purposes and Powers of the Trust (See Section 2.08 of the Standard Terms).     22

Article III  ADMINISTRATION AND SERVICING OF MORTGAGE LOANS................................23

        Section 3.01. Master Servicer to Act as Servicer. (See Section 3.01 of the Standard Terms)   24

        Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement of
                      Subservicers' and Sellers' Obligations. (See Section 3.02 of the Standard Terms)
                      24

        Section 3.03. Successor Subservicers. (See Section 3.03 of the Standard Terms).....24

        Section 3.04. Liability of the Master Servicer. (See Section 3.04 of the Standard Terms)     24

        Section 3.05. No Contractual Relationship Between Subservicer and Trustee or
                      Certificateholders. (See Section 3.05 of the Standard Terms) ........24

        Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee. (See Section
                      3.06 of the Standard Terms)..........................................24

        Section 3.07. Collection of Certain Mortgage Loan Payments;  Deposits to Custodial Account   24

        Section 3.08. Subservicing Accounts; Servicing Accounts. (See Section 3.08 of the Standard
                      Terms)...............................................................25

        Section 3.09. Access to Certain Documentation and  Information Regarding the Mortgage Loans.
                      (See Section 3.09 of the Standard Terms).............................25

        Section 3.10. Permitted Withdrawals from the Custodial Account. (See Section 3.10 of the
                      Standard Terms)......................................................25

        Section 3.11. Maintenance of the Primary Insurance  Policies; Collections Thereunder. (See
                      Section 3.11 of the Standard Terms)..................................25

        Section 3.12. Maintenance of Fire Insurance and  Omissions and Fidelity Coverage. (See Section
                      3.12 of the Standard Terms)..........................................25

        Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and  Modification Agreements;
                      Certain Assignments. (See Section 3.13 the Standard Terms)...........25

        Section 3.14. Realization Upon Defaulted Mortgage Loans. (See Section 3.14 of the Standard
                      Terms)...............................................................25

        Section 3.15. Trustee to Cooperate; Release of Mortgage Files. (See Section 3.15 of the
                      Standard Terms)......................................................25

        Section 3.16. Servicing and Other Compensation; Compensating Interest. (See Section 3.16 of
                      the Standard Terms)..................................................25

        Section 3.17. Reports to the Trustee and the Company. (See Section 3.17 of the Standard Terms)
                      25

        Section 3.18. Annual Statement as to Compliance. (See Section 3.18 of the Standard Terms)    26

        Section 3.19. Annual Independent Public Accountants' Servicing Report. (See Section 3.19 of
                      the Standard Terms)..................................................26

        Section 3.20. Rights of the Company in Respect of the Master Servicer. (See Section 3.20 of
                      the Standard Terms)..................................................26

        Section 3.21. Administration of Buydown Funds. (See Section 3.21 of the Standard Terms)      26

Article IV  PAYMENTS TO CERTIFICATEHOLDERS.................................................24

        Section 4.01. Certificate Account.  ...............................................24

        Section 4.02. Distributions. ......................................................24

        Section 4.03. Statements to Certificateholders; Exchange Act Reporting.............37

        Section 4.04. Distribution of Reports to the Trustee and the Company; Advances by the Master
                      Servicer.............................................................37

        Section 4.05. Allocation of Realized Losses. ......................................37

        Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property.  (See Section
                      4.06 of the Standard Terms)..........................................38

        Section 4.07. Optional Purchase of Defaulted Mortgage Loans.  (See Section 4.07 of the
                      Standard Terms)......................................................38

        Section 4.08. Surety Bond. (See Section 4.08 of the Standard Terms)................38

        Section 4.09. Reserve Funds........................................................40

        Section 4.10. Rounding Account.....................................................40

        Section 4.11. Principal Distributions on the Retail Certificates...................41

Article V  THE CERTIFICATES................................................................39

        Section 5.01. The Certificates.  (See Section 5.01 of the Standard Terms)..........39

        Section 5.02. Registration of Transfer and Exchange of Certificates................39

        Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates. (See Section 5.03 of the
                      Standard Terms)......................................................39

        Section 5.04. Persons Deemed Owners. (See Section 5.04 of the Standard Terms)......39

        Section 5.05. Appointment of Paying Agent. (See Section 5.05 of the Standard Terms)39

Article VI    THE COMPANY AND THE MASTER SERVICER..........................................40

Article VII   DEFAULT......................................................................41

Article VIII  CONCERNING THE TRUSTEE.......................................................42

Article IX    TERMINATION..................................................................43

Article X      REMIC PROVISIONS............................................................44

        Section 10.01.REMIC Administration.  (See Section 10.01 of the Standard Terms).....44

        Section 10.02.Master Servicer; REMIC Administrator and Trustee Indemnification.  (See Section
                      10.02 of the Standard Terms).........................................44

        Section 10.03.Designation of REMICs................................................44

        Section 10.04.Distributions on the Uncertificated REMIC I and REMIC II Regular Interests     44

        Section 10.05.Compliance with Withholding Requirements.............................46

Article XI   MISCELLANEOUS PROVISIONS......................................................47

        Section 11.01.Amendment.  (See Section 11.01 of the Standard Terms)................47

        Section 11.02.Recordation of Agreement;  Counterparts.  (See Section 11.02 of the Standard
                      Terms)...............................................................47

        Section 11.03.Limitation on Rights of Certificateholders.  (See Section 11.03 of the Standard
                      Terms)...............................................................47

        Section 11.04.Governing Laws.  (See Section 11.04 of the Standard Terms)...........47

        Section 11.05.Notices..............................................................47

        Section 11.06.Required Notices to Rating Agency and Subservicer....................48

        Section 11.07.Severability of Provisions. (See Section 11.07 of the Standard Terms)48

        Section 11.08.Supplemental Provisions for Resecuritization.  (See Section 11.08 of the
                      Standard Terms)......................................................48

        Section 11.09.Allocation of Voting Rights..........................................48

        Section 11.10.No Petition..........................................................48

 Article XII      CERTAIN MATTERS REGARDING THE CERTIFICATE INSURER........................57

        Section 12.01.Rights of the Certificate Insurer to Exercise Rights of Retail
                      Certificateholders...................................................57

        Section 12.02.Claims Upon the Certificate Policy; Certificate Insurance Account....57

        Section 12.03.Effect of Payments by the Certificate Insurer; Subrogation...........58

        Section 12.04.Notices and Information to the Certificate Insurer...................59

        Section 12.05.Trustee to Hold Certificate Policy...................................59

        Section 12.06.Ratings..............................................................59

        Section 12.07.Third Party Beneficiary..............................................59

</TABLE>

<PAGE>

                                    EXHIBITS

Exhibit One:          Mortgage Loan Schedule
Exhibit Two:          Schedule of Discount Fractions
Exhibit Three:        Information to be Included in
                      Monthly Distribution Date Statement
Exhibit Four:         Standard Terms of Pooling and Servicing
                      Agreement Dated as of August 1, 2002
Exhibit Five:         Aggregate Planned Principal Balances and Aggregate
                        Targeted Principal Balances
Exhibit Six:          Certificate Policy of MBIA Insurance Corporation
Exhibit Seven:        Form of Form 10-K Certification
Exhibit Eight:        Form of Back-Up Certification to Form 10-K Certificate

<PAGE>

        This is a Series  Supplement,  dated as of January 1, 2003 (the  "Series
Supplement"), to the Standard Terms of Pooling and Servicing Agreement, dated as
of August 1, 2002 and attached as Exhibit Four hereto (the "Standard Terms" and,
together with this Series Supplement,  the "Pooling and Servicing  Agreement" or
"Agreement"),  among RESIDENTIAL  ACCREDIT LOANS, INC., as the company (together
with its permitted successors and assigns,  the "Company"),  RESIDENTIAL FUNDING
CORPORATION,  as master  servicer  (together  with its permitted  successors and
assigns,  the "Master Servicer"),  and DEUTSCHE BANK TRUST COMPANY AMERICAS,  as
Trustee (together with its permitted successors and assigns, the "Trustee").

                             PRELIMINARY STATEMENT:

        The  Company   intends  to  sell  mortgage   asset-backed   pass-through
certificates  (collectively,  the  "Certificates"),  to be issued  hereunder  in
multiple  classes,  which in the aggregate  will evidence the entire  beneficial
ownership  interest  in the  Mortgage  Loans.  As  provided  herein,  the  REMIC
Administrator  will make an  election  to treat the  entire  segregated  pool of
assets  described in the definition of Trust Fund, and subject to this Agreement
(including the Mortgage Loans but excluding  Reserve Fund I, Reserve Fund II and
the  Initial  Monthly  Payment  Fund),  as two real estate  mortgage  investment
conduits (each, a "REMIC") for federal income tax purposes.

        The terms and provisions of the Standard  Terms are hereby  incorporated
by reference herein as though set forth in full herein. If any term or provision
contained  herein shall  conflict  with or be  inconsistent  with any  provision
contained  in the  Standard  Terms,  the terms  and  provisions  of this  Series
Supplement  shall govern.  All  capitalized  terms not otherwise  defined herein
shall  have the  meanings  set forth in the  Standard  Terms.  The  Pooling  and
Servicing Agreement shall be dated as of the date of this Series Supplement.

                                       1
<PAGE>

        The following table sets forth the designation, type, Pass-Through Rate,
aggregate Initial Certificate Principal Balance,  Maturity Date, initial ratings
and certain features for each Class of Certificates  comprising the interests in
the Trust Fund created hereunder.

<TABLE>
<CAPTION>

                               AGGREGATE
                                INITIAL
                              CERTIFICATE                                           S&P/
               PASS-THROUGH    PRINCIPAL                             MATURITY    -----------     MINIMUM
 DESIGNATION      RATE         BALANCE       FEATURES1                 DATE        MOODY'S    DENOMINATIONS2

Class A-1                                                          January 25,
<S>               <C>       <C>                                        <C>                     <C>
-------------     5.00%     $50,000,000.00    Senior/Fixed Rate        2033        AAA/Aaa     $25,000.00
                                                                   January 25,
Class A-2         5.75%     $105,741,346.00   Senior/Fixed Rate        2033        AAA/Aaa     $25,000.00
                                                                   January 25,
Class A-3         4.75%     $30,000,000.00    Senior/Fixed Rate        2033        AAA/Aaa     $25,000.00
                                                 Senior/PAC/
               Adjustable                     Floater/Adjustable   January 25,
Class A-4      Rate3        $40,587,529.00           Rate              2033        AAA/Aaa     $25,000.00
                                                Senior/Inverse
               Adjustable                      Floater/Interest    January 25,
Class A-5         Rate3              $0.004  Only/Adjustable Rate      2033        AAA/Aaa    $2,000,000.00

                                              Senior/PAC//Fixed    January 25,
Class A-6         4.25%     $74,410,471.00           Rate              2033        AAA/Aaa     $25,000.00
                                               Senior/Accrual/     January 25,
Class A-7         5.75%      $4,311,928.00   Companion/Fixed Rate      2033        AAA/Aaa     $25,000.00
                                             Senior/Retail/Insured/January 25,
Class A-8         5.70%     $21,000,000.00        Fixed Rate           2033      AAA/Aaa5       $1,000.00
               Adjustable                    Senior/Floater/AdjustaJanuary 25,
Class A-9         Rate3     $24,545,454.00           Rate              2033        AAA/Aaa     $25,000.00
                                               Senior/Inverse
               Adjustable                      Floater/Interest    January 25,
Class A-10        Rate3              $0.006  Only/Adjustable Rate      2033        AAA/Aaa    $2,000,000.00
                                             Senior/TAC/Accretion  January 25,

</TABLE>

____________________________
     1    The  Certificates,  other than the Class A-P,  Class A-V,  Class B and
          Class R Certificates shall be Book-Entry Certificates.  The Class A-P,
          Class A-V, Class B and Class R Certificates  shall be delivered to the
          holders thereof in physical form.

     2    The  Certificates,  other than the Class A-V and Class R Certificates,
          shall be issuable in minimum dollar  denominations  as indicated above
          (by Certificate  Principal  Balance or Notional Amount, as applicable)
          and integral  multiples of $1 (or $1,000 in the case of the Class A-P,
          Class B-1, Class B-2 and Class B-3  Certificates)  in excess  thereof,
          except  that one  Certificate  of any of the Class A-P and Class  B-1,
          Class B-2 and Class B-3  Certificates  that contain an uneven multiple
          of $1,000  shall be issued in a  denomination  equal to the sum of the
          related minimum  denomination set forth above and such uneven multiple
          for  such  Class  or the  sum of  such  denomination  and an  integral
          multiple of $1,000.

      3
--------------------------------------------------------------------------------
ADJUSTABLE      INITIAL        FORMULA                  MAXIMUM        MINIMUM
RATES:
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
  Class A-4:    1.82%          LIBOR + 0.40%            8.50%          0.40%
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
  Class A-5:    6.68%          8.10% - LIBOR            8.10%          0.00%
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
  Class A-9:    1.97%          LIBOR + 0.55%            8.50%          0.55%
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
  Class A-10:   6.53%          7.95% - LIBOR            7.95%          0.00%
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
  Class A-13:   2.07%          LIBOR + 0.65%            8.50%          0.65%
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
  Class A-14:   6.43%          7.85% - LIBOR            7.85%          0.00%

4    The  notional  amount of the Class  A-5  Certificates  will be equal to the
     Certificate  Principal  Balance of the Class A-4  Certificates  immediately
     prior to that date.

5    The  ratings on the Class A-8  Certificates  have been  determined  without
     regard to the Certificate Policy issued by the Certificate Insurer.

6    The  notional  amount of the Class A-10  Certificates  will be equal to the
     Certificate  Principal  Balance of the Class A-9  Certificates  immediately
     prior to that date.

                                       2
<PAGE>
<TABLE>
<CAPTION>

                               AGGREGATE
                                INITIAL
                              CERTIFICATE                                           S&P/
               PASS-THROUGH    PRINCIPAL                             MATURITY    -----------     MINIMUM
 DESIGNATION      RATE         BALANCE       FEATURES1                 DATE        MOODY'S    DENOMINATIONS2

<S>     <C>       <C>       <C>                                        <C>                     <C>
Class A-11        5.75%     $50,000,000.00   Directed/Fixed Rate       2033        AAA/Aaa     $25,000.00
                                             Senior/TAC/Accretion  January 25,
Class A-12        5.75%      $7,786,000.00   Directed/Fixed Rate       2033        AAA/Aaa     $25,000.00
               Adjustable                    Senior/Floater/AdjustaJanuary 25,
Class A-13        Rate3     $40,838,272.00           Rate              2033        AAA/Aaa     $25,000.00
                                 Senior/Inverse
               Adjustable                      Floater/Interest    January 25,
Class A-14        Rate3              $0.007    Only/Adjustable         2033        AAA/Aaa    $2,000,000.00
Class A-P         0.00%      $1,429,525.04        Principal        January 25,     AAA/Aaa     $25,000.00
                                                 Only/Senior           2033
Class A-V       Variable             $0.00         Variable        January 25,     AAA/Aaa    9
               Rate8                            Strip/Interest         2033
                                   Only/Senior
Class R-I         6.00%            $100.00     Residual/Senior     January 25,     AAA/Aaa    10
                                                                       2033
Class R-II        6.00%            $100.00     Residual/Senior     January 25,     AAA/Aaa    10
                                                                       2033
Class M-1         6.00%     $11,890,700.00        Mezzanine        January 25,      AA/NA      $25,000.00
                                                                       2033
Class M-2         6.00%      $4,756,200.00        Mezzanine        January 25,      A/NA       $250,000.00
                                                                       2033
Class M-3         6.00%     $3,567,100.00         Mezzanine        January 25,     BBB/NA      $250,000.00
                                                                       2033
Class B-1         6.00%     $1,664,700.00        Subordinate       January 25,      BB/NA      $250,000.00
                                                                       2033
Class B-2         6.00%     $1,664,700.00        Subordinate       January 25,      B/NA       $250,000.00
                                                                       2033
Class B-3         6.00%     $1,426,941.75        Subordinate       January 25,      NA/NA      $250,000.00
                                                                       2033
</TABLE>

7    The  notional  amount of the Class A-14  Certificates  will be equal to the
     Certificate  Principal Balance of the Class A-13  Certificates  immediately
     prior to that date.

8    The initial Pass-Through Rate on the Class A-V Certificates is 0.3051%.

9    The Class A-V  Certificates  shall be issuable in minimum  denominations of
     not less than a 20% Percentage Interest.

10   Each  class of the  Class R  Certificates  shall  be  issuable  in  minimum
     denominations  of  not  less  than  a 20%  Percentage  Interest;  provided,
     however,  that one Class R  Certificate  of each Class will be  issuable to
     Residential  Funding as "tax matters person"  pursuant to Section  10.01(c)
     and (e) in a minimum denomination representing a Percentage Interest of not
     less than 0.01%.

        The Mortgage Loans have an aggregate principal balance as of the Cut-off
Date of $475,621,066.79.

        In consideration of the mutual agreements herein contained, the Company,
the Master Servicer and the Trustee agree as follows:

                                       3
<PAGE>

                                   ARTICLE I

                                   DEFINITIONS

Section 1.01...Definitions.

        Whenever used in this Agreement, the following words and phrases, unless
the  context  otherwise  requires,  shall have the  meanings  specified  in this
Article.

        Accretion Termination Date: The earlier to occur of (i) the Distribution
Date on which the  aggregate  Certificate  Principal  Balance  of the  Accretion
Directed  Certificates  has been  reduced  to zero and (ii) the  Credit  Support
Depletion Date.

        Accrual Certificates:  Any of the Class A-7 Certificates.

     Accretion  Directed  Certificates:  Any of the Class A-11  Certificates and
Class A-12 Certificates.

        Accrual Distribution Amount: With respect to any Distribution Date on or
prior to the  Accretion  Termination  Date,  an  amount  equal to the  amount of
Accrued  Certificate  Interest on the Accrual  Certificates that is added to the
Certificate  Principal  Balance  thereof on such  Distribution  Date pursuant to
Section 4.02(i).

        Adjustable  Rate  Certificates:  Any of the Class A-4,  Class A-5, Class
A-9, Class A-10, Class A-13 or Class A-14 Certificates.

        Aggregate  Planned  Principal  Balance:  With  respect  to the Class A-4
Certificates and Class A-6  Certificates  and any Distribution  Date, the amount
set forth under the heading "Aggregate Targeted Principal Balances for Class A-4
Certificates and Class A-6 Certificates" in Exhibit Five opposite such date.

        Aggregate  Targeted  Principal  Balance:  With respect to the Class A-11
Certificates and Class A-12  Certificates and any Distribution  Date, the amount
set forth under the heading  "Aggregate  Targeted  Principal  Balances for Class
A-11  Certificates  and Class A-12  Certificates"  in Exhibit Five opposite such
date.

        Bankruptcy  Amount:  As of any date of determination  prior to the first
anniversary  of the Cut-off Date, an amount equal to the excess,  if any, of (A)
$179,049 over (B) the aggregate amount of Bankruptcy  Losses allocated solely to
one or more specific  Classes of Certificates in accordance with Section 4.05 of
this Series  Supplement.  As of any date of  determination on or after the first
anniversary of the Cut-off Date, an amount equal to the excess, if any, of

               (1) the lesser of (a) the Bankruptcy  Amount calculated as of the
        close of business on the Business  Day  immediately  preceding  the most
        recent anniversary of the Cut-off Date coinciding with or preceding such
        date  of  determination  (or,  if  such  date  of  determination  is  an
        anniversary of the Cut-off Date, the Business Day immediately  preceding
        such  date of  determination)  (for  purposes  of this  definition,  the
        "Relevant Anniversary") and (b) the greater of

                                       4
<PAGE>

                      (A)  (i)  if  the  aggregate   principal  balance  of  the
               Non-Primary  Residence  Loans as of the Relevant  Anniversary  is
               less than 10% of the Stated  Principal  Balance  of the  Mortgage
               Loans  as of the  Relevant  Anniversary,  $0.00,  or  (ii) if the
               aggregate principal balance of the Non-Primary Residence Loans as
               of the  Relevant  Anniversary  is equal to or greater than 10% of
               the  Stated  Principal  Balance of the  Mortgage  Loans as of the
               Relevant  Anniversary,  the  sum of (I) the  aggregate  principal
               balance of the  Non-Primary  Residence Loans with a Loan-to-Value
               Ratio of  greater  than  80.00%  but less than or equal to 90.00%
               (other than Additional  Collateral Loans),  times 0.25%, (II) the
               aggregate  principal  balance of the Non-Primary  Residence Loans
               with a  Loan-to-Value  Ratio of greater than 90.00% but less than
               or equal to 95.00%  (other  than  Additional  Collateral  Loans),
               times 0.50%,  and (III) the  aggregate  principal  balance of the
               Non-Primary Residence Loans with a Loan-to-Value Ratio of greater
               than 95.00% (other than Additional Collateral Loans) times 0.75%,
               in each case as of the Relevant Anniversary; and

                      (B)  the  greater  of  (i)  0.0006  times  the   aggregate
               principal  balance of all the Mortgage Loans in the Mortgage Pool
               as of the  Relevant  Anniversary  having  a  Loan-to-Value  Ratio
               (other than  Additional  Collateral  Loans) at origination  which
               exceeds 75% and (ii) $100,000,

               over (2) the  aggregate  amount of  Bankruptcy  Losses  allocated
        solely to one or more  specific  Classes of  Certificates  in accordance
        with Section 4.05 since the Relevant Anniversary.

        The  Bankruptcy  Amount  may be further  reduced by the Master  Servicer
(including  accelerating the manner in which such coverage is reduced)  provided
that prior to any such  reduction,  the Master Servicer shall (i) obtain written
confirmation  from each Rating Agency that such  reduction  shall not reduce the
rating  assigned to any Class of  Certificates  by such Rating  Agency  (without
giving effect to the Certificate Policy in the case of the Retail  Certificates)
below  the  lower of the  then-current  rating or the  rating  assigned  to such
Certificates  as of the Closing  Date by such Rating  Agency and (ii)  provide a
copy of such written confirmation to the Trustee and to the Certificate Insurer.

        Certificate:  Any Class A, Class M, Class B or Class R Certificate.

        Certificate  Account:  The  separate  account or  accounts  created  and
maintained  pursuant  to Section  4.01 of the  Standard  Terms,  which  shall be
entitled  "Deutsche Bank Trust Company  Americas,  as trustee,  in trust for the
registered holders of Residential  Accredit Loans, Inc.,  Mortgage  Asset-Backed
Pass-Through  Certificates,  Series  2003-QS1"  and  which  must be an  Eligible
Account.

        Certificate  Insurance  Account:  The  account  established  pursuant to
Section 12.02(b) of this Series Supplement, which shall be entitled "Certificate
Insurance  Account,  Deutsche  Bank Trust Company  Americas,  as trustee for the
registered holders of Residential  Accredit Loans, Inc.,  Mortgage  Asset-Backed
Pass-Through Certificates, Series 2003-QS1, Class A-8."

                                       5
<PAGE>

        Certificate  Insurance  Payment:  Any  payment  made by the  Certificate
Insurer with respect to any Retail Certificates under the Certificate Policy.

        Certificate  Insurer:  MBIA  Insurance  Corporation,  a stock  insurance
company  organized and created under the laws of the State of New York,  and any
successors thereto, and issuer of the Certificate Policy.

        Certificate Insurer Default:  The existence and continuance of a failure
by the  Certificate  Insurer to make a payment  required  under the  Certificate
Policy in accordance with its terms.

     Certificate  Policy: The Certificate  Guaranty Insurance Policy (No. 40252)
issued by the  Certificate  Insurer for the benefit of the Holders of any Retail
Certificates,  including any  endorsements  thereto,  attached hereto as Exhibit
Six.

        Certificate  Principal Balance:  With respect to each Certificate (other
than any Interest Only  Certificate),  on any date of  determination,  an amount
equal to:

         (i)   the Initial Certificate  Principal Balance of such Certificate as
               specified on the face thereof, plus

         (ii)  the  Subsequent  Recoveries  added to the  Certificate  Principal
               Balance of such Certificate pursuant to Section 4.02, plus

        (iii)  in the case of each Accrual  Certificate,  an amount equal to the
               aggregate Accrued  Certificate  Interest added to the Certificate
               Principal  Balance  thereof prior to such date of  determination,
               minus

        (iv)   the  sum  of  (x)  the   aggregate  of  all  amounts   previously
               distributed  with respect to such Certificate (or any predecessor
               Certificate)  and  applied  to reduce the  Certificate  Principal
               Balance thereof pursuant to Section 4.02(a) and (y) the aggregate
               of all reductions in Certificate Principal Balance deemed to have
               occurred in connection with Realized Losses which were previously
               allocated to such  Certificate (or any  predecessor  Certificate)
               pursuant to Section 4.05;

provided,  however,  that solely for the purpose of determining  the Certificate
Insurer's rights as subrogee to the Retail  Certificateholders,  the Certificate
Principal Balance of any Retail Certificate shall be deemed to not be reduced by
any  principal  amounts paid to the Holder  thereof from  Certificate  Insurance
Payments,  unless such amounts have been reimbursed to the  Certificate  Insurer
pursuant to Section  4.02(a)(xvi);  and provided  further,  that the Certificate
Principal  Balance of each Certificate of the Class of Subordinate  Certificates
with the Lowest Priority at any given time shall be further reduced by an amount
equal to the Percentage Interest  represented by such Certificate  multiplied by
the excess, if any, of (A) the then aggregate  Certificate  Principal Balance of
all Classes of Certificates  then outstanding over (B) the then aggregate Stated
Principal  Balance of the  Mortgage  Loans,  not taking into  consideration  any
reduction in the Certificate Principal Balance of the Retail Certificates due to
withdrawals of funds from the Rounding Account.

                                       6
<PAGE>

        Class A  Certificate:  Any one of the Class A-1,  Class A-2,  Class A-3,
Class A-4,  Class A-5,  Class A-6,  Class A-7, Class A-8, Class A-9, Class A-10,
Class  A-11,  Class  A-12,  Class  A-13,  Class  A-14,  Class  A-V or Class  A-P
Certificates,  executed  by the  Trustee and  authenticated  by the  Certificate
Registrar substantially in the form annexed to the Standard Terms as Exhibit A.

     Class R Certificate:  Any one of the Class R-I  Certificates and Class R-II
Certificates.

        Class R-I Certificate: Any one of the Class R-I Certificates executed by
the Trustee and authenticated by the Certificate Registrar  substantially in the
form  annexed to the  Standard  Terms as Exhibit D and  evidencing  an  interest
designated  as a  "residual  interest"  in  REMIC I for  purposes  of the  REMIC
Provisions.

        Class R-II Certificate:  Any one of the Class R-II Certificates executed
by the Trustee and authenticated by the Certificate  Registrar  substantially in
the form annexed to the Standard  Terms as Exhibit D and  evidencing an interest
designated  as a  "residual  interest"  in REMIC II for  purposes  of the  REMIC
Provisions.

        Closing Date:  January 30, 2003.

        Commission:  The Securities and Exchange Commission.

     Commitment  Letter:  The  letter,  dated  January  29,  2003,  between  the
Certificate Insurer and the Senior
Underwriter, relating to the Certificate Policy.

     Corporate Trust Office: The principal office of the Trustee at which at any
particular  time its corporate  trust  business  with respect to this  Agreement
shall  be  administered,  which  office  at the  date of the  execution  of this
instrument  is  located at 1761 East St.  Andrew  Place,  Santa Ana,  California
92705-4934, Attention: Residential Funding Corporation Series 2003-QS1.

        Cumulative  Insurance  Payments:  As of any time of  determination,  the
aggregate  of  all  Certificate   Insurance  Payments  previously  made  by  the
Certificate  Insurer  under the  Certificate  Policy minus the  aggregate of all
payments  previously  made  to the  Certificate  Insurer  pursuant  to  Sections
4.02(a)(xvi)  of  this  Series   Supplement  as  reimbursement  for  Certificate
Insurance Payments.

        Cut-off Date:  January 1, 2003.

        Deceased Holder: A Certificate  Owner of a Retail  Certificate who was a
natural  person  living  at the  time  such  interest  was  acquired  and  whose
authorized personal representative,  surviving tenant by the entirety, surviving
joint tenant or surviving  tenant in common or other person  empowered to act on
behalf of a deceased  Certificate Owner causes to be furnished to the Depository
Participant evidence of death satisfactory to the Depository Participant and any
tax waivers requested by the Depository Participant.

        Deficiency Amount: With respect to the Retail Certificates and as of any
Distribution  Date, an amount equal to (a) any interest  shortfall  allocated to
the Retail  Certificates,  except  for (i) any  Prepayment  Interest  Shortfalls
allocated  to the  Retail  Certificates  and  (ii)  any  Relief  Act  Shortfalls

                                       7
<PAGE>

allocated to the Retail Certificates that were otherwise covered by Reserve Fund
II, (b) the  principal  portion of any Realized  Losses  allocated to the Retail
Certificates   and  (c)  the  Certificate   Principal   Balance  of  the  Retail
Certificates to the extent unpaid on the Scheduled Final Distribution Date.

        Determination  Date: With respect to any  Distribution  Date, the second
Business Day prior to each Distribution Date.

        Discount Net Mortgage Rate:  6.00% per annum.

        Due Period:  With  respect to each  Distribution  Date and any  Mortgage
Loan, the period commencing on the second day of the month prior to the month in
which such  Distribution Date occurs and ending on the first day of the month in
which such Distribution Date occurs.

        Eligible Funds: On any  Distribution  Date, the portion,  if any, of the
Available  Distribution  Amount  remaining after reduction by the sum of (i) the
aggregate  amount of Accrued  Certificate  Interest on the Senior  Certificates,
(ii) the Senior  Principal  Distribution  Amount  (determined  without regard to
Section  4.02(a)(ii)(Y)(D)  hereof),  (iii) the Class A-P Principal Distribution
Amount (determined without regard to Section  4.02(b)(i)(E) hereof) and (iv) the
aggregate amount of Accrued  Certificate  Interest on the Class M, Class B-1 and
Class B-2 Certificates.

        Exchange Act:  The Securities and Exchange Act of 1934, as amended.

     Floater  Certificates:  Any one of the Class  A-4,  Class A-9 or Class A-13
Certificates.

        Fraud Loss  Amount:  As of any date of  determination  after the Cut-off
Date, an amount equal to: (X) prior to the first anniversary of the Cut-off Date
an amount equal to 3.00% of the aggregate  outstanding  principal balance of all
of the Mortgage Loans as of the Cut-off Date minus the aggregate amount of Fraud
Losses  allocated  solely to one or more  specific  Classes of  Certificates  in
accordance with Section 4.05 of this Series Supplement since the Cut-off Date up
to such date of  determination,  (Y) from the first to, but not  including,  the
second anniversary of the Cut-off Date, an amount equal to (1) the lesser of (a)
the Fraud Loss Amount as of the most recent  anniversary of the Cut-off Date and
(b) 2.00% of the aggregate  outstanding principal balance of all of the Mortgage
Loans as of the most  recent  anniversary  of the  Cut-off  Date  minus  (2) the
aggregate  amount  of Fraud  Losses  allocated  solely  to one or more  specific
Classes of  Certificates  in accordance  with Section 4.05 since the most recent
anniversary of the Cut-off Date up to such date of  determination,  and (Z) from
the second to, but not including,  the fifth anniversary of the Cut-off Date, an
amount  equal to (1) the  lesser  of (a) the  Fraud  Loss  Amount as of the most
recent  anniversary  of  the  Cut-off  Date  and  (b)  1.00%  of  the  aggregate
outstanding principal balance of all of the Mortgage Loans as of the most recent
anniversary  of the Cut-off Date minus (2) the aggregate  amount of Fraud Losses
allocated  solely to one or more specific  Classes of Certificates in accordance
with  Section 4.05 since the most recent  anniversary  of the Cut-off Date up to
such date of  determination.  On and after the fifth  anniversary of the Cut-off
Date, the Fraud Loss Amount shall be zero.

        The Fraud  Loss  Amount may be  further  reduced by the Master  Servicer
(including  accelerating the manner in which such coverage is reduced)  provided
that prior to any such  reduction,  the Master Servicer shall (i) obtain written

                                       8
<PAGE>

confirmation  from each Rating Agency that such  reduction  shall not reduce the
rating  assigned to any Class of  Certificates  by such Rating  Agency  (without
giving effect to the Certificate Policy in the case of the Retail  Certificates)
below  the  lower of the  then-current  rating or the  rating  assigned  to such
Certificates  as of the Closing  Date by such Rating  Agency and (ii)  provide a
copy of such written confirmation to the Trustee and the Certificate Insurer.

     Individual Retail  Certificate:  A Retail Certificate that evidences $1,000
Initial Certificate Principal Balance.

        Initial Monthly Payment Fund: $231,849, representing scheduled principal
amortization  and interest at the Net Mortgage Rate during the Due Period ending
on February 1, 2003,  for those Mortgage Loans for which the Trustee will not be
entitled to receive such payment.

        Initial  Notional  Amount:  With respect to the Class A-5  Certificates,
$40,587,529.  With  respect to the Class A-10  Certificates,  $24,545,454.  With
respect to the Class A-14 Certificates,  $40,838,272.  With respect to the Class
A-V  Certificates or Subclass  thereof issued pursuant to Section  5.01(c),  the
aggregate Cut-off Date Principal Balance of the Mortgage Loans  corresponding to
the  Uncertificated  REMIC I Regular  Interests Z  represented  by such Class or
Subclass on such date.

        Initial  Subordinate  Class  Percentage:  With  respect to each Class of
Subordinate  Certificates,  an amount  which is equal to the  initial  aggregate
Certificate Principal Balance of such Class of Subordinate  Certificates divided
by the aggregate  Stated  Principal  Balance of all the Mortgage Loans as of the
Cut-off Date as follows:

        Class M-1:  2.50%....       Class B-1:  0.35%
        Class M-2:  1.00%....       Class B-2:  0.35%
        Class M-3:  0.75%....       Class B-3:  0.30%

        Insurance  Premium:  With  respect  to the  Certificate  Policy  and any
Distribution  Date, an amount equal to the product of one-twelfth  (1/12) of the
"Premium  Percentage"  set forth in the  Commitment  Letter and the  Certificate
Principal  Balance  of  the  Retail  Certificates   immediately  prior  to  such
Distribution Date.

        Insured Payment: With respect to any Retail Certificates,  (a) as of any
Distribution Date, any Deficiency Amount and (b) any Preference Amount.

        Interest  Accrual  Period:  With  respect  to any Class of  Certificates
(other than the Floater  Certificates and the Inverse Floater  Certificates) and
any  Distribution  Date,  the calendar  month  preceding the month in which such
Distribution   Date  occurs.   The  Interest  Accrual  Period  for  the  Floater
Certificates and the Inverse Floater  Certificates for any Distribution  Date is
the period  beginning on the 25th day of the month  preceding the month in which
such  Distribution  Date occurs and ending on the 24th day of the month in which
such Distribution Date occurs.

        Interest Only Certificates:  Any one of the Class A-5, Class A-10, Class
A-14 or Class A-V  Certificates.  The Interest  Only  Certificates  will have no
Certificate Principal Balance.

                                       9
<PAGE>

     Inverse Floater  Certificates:  Any one of the Class A-5, Class A-10, Class
A-14 Certificates.

     Maturity  Date:   January  25,  2033,  the  Distribution  Date  immediately
following the latest scheduled maturity date of any Mortgage Loan.

        Mortgage Loan Schedule: The list or lists of the Mortgage Loans attached
hereto as Exhibit One (as amended  from time to time to reflect the  addition of
Qualified  Substitute  Mortgage Loans),  which list or lists shall set forth the
following information as to each Mortgage Loan:

(i)               the Mortgage Loan identifying number ("RFC LOAN #");

(ii)              the maturity of the Mortgage Note ("MATURITY DATE");

(iii)             the Mortgage Rate ("ORIG RATE");

(iv)              the Subservicer pass-through rate ("CURR NET");

(v)               the Net Mortgage Rate ("NET MTG RT");

(vi)              the Pool Strip Rate ("STRIP");

(vii)             the initial  scheduled  monthly payment of principal,  if any,
                  and interest ("ORIGINAL P & I");

(viii)            the Cut-off Date Principal Balance ("PRINCIPAL BAL");

(ix)              the Loan-to-Value Ratio at origination ("LTV");

(x)               the rate at which the Subservicing Fee accrues ("SUBSERV FEE")
                  and at which the Servicing Fee accrues ("MSTR SERV FEE");

(xi)              a code  "T,"  "BT" or "CT"  under  the  column  "LN  FEATURE,"
                  indicating  that the  Mortgage  Loan is secured by a second or
                  vacation residence; and

(xii)             a code "N" under the column "OCCP CODE,"  indicating  that the
                  Mortgage Loan is secured by a non-owner occupied residence.

Such schedule may consist of multiple reports that collectively set forth all of
the information required.

        Notional Amount:  As of any  Distribution  Date, (i) with respect to the
Class A-5 Certificates,  an amount equal to the Certificate Principal Balance of
the Class A-4 Certificates  immediately prior to that date, (ii) with respect to
the Class  A-10  Certificates,  an  amount  equal to the  Certificate  Principal
Balance of the Class A-9 Certificates immediately prior to that date, (iii) with
respect  to the Class  A-14  Certificates,  an amount  equal to the  Certificate
Principal Balance of the Class A-13 Certificates immediately prior to that date,

                                       10
<PAGE>

and (iv) with respect to any Class A-V  Certificates or Subclass  thereof issued
pursuant to Section  5.01(c),  the  aggregate  Stated  Principal  Balance of the
Mortgage Loans  corresponding to the Uncertificated  REMIC I Regular Interests Z
represented by such Class or Subclass immediately prior to such date.

        Pass-Through Rate: With respect to the Senior  Certificates  (other than
the Floater Certificates,  Inverse Floater Certificates,  Class A-V Certificates
and Class A-P  Certificates),  Class M Certificates and Class B Certificates and
any  Distribution  Date,  the per  annum  rates  set  forth  in the  Preliminary
Statement  hereto.  With respect to the Class A-4  Certificates  and the initial
Interest Accrual Period,  1.82% per annum, and as to any Interest Accrual Period
thereafter,  a per annum rate equal to 0.40%  plus  LIBOR,  subject to a maximum
rate of 8.50% per annum and a minimum  rate of 0.40% per annum.  With respect to
the Class A-5 Certificates  and the initial  Interest Accrual Period,  6.68% per
annum, and as to any Interest Accrual Period thereafter,  a per annum rate equal
to 8.10% minus LIBOR, subject to a maximum rate of 8.10% per annum and a minimum
rate of 0.00% per  annum.  With  respect to the Class A-9  Certificates  and the
initial Interest Accrual Period, 1.97% per annum, and as to any Interest Accrual
Period  thereafter,  a per annum rate equal to 0.55%  plus  LIBOR,  subject to a
maximum  rate of 8.50% per annum and a  minimum  rate of 0.55% per  annum.  With
respect to the Class A-10  Certificates and the initial Interest Accrual Period,
6.53% per annum, and as to any Interest Accrual Period  thereafter,  a per annum
rate equal to 7.95% minus  LIBOR,  subject to a maximum  rate of 7.95% per annum
and a  minimum  rate  of  0.00%  per  annum.  With  respect  to the  Class  A-13
Certificates and the initial Interest Accrual Period, 2.07% per annum, and as to
any Interest  Accrual  Period  thereafter,  a per annum rate equal to 0.65% plus
LIBOR,  subject to a maximum rate of 8.50% per annum and a minimum rate of 0.65%
per annum.  With respect to the Class A-14 Certificates and the initial Interest
Accrual  Period,  6.43%  per  annum,  and  as to  any  Interest  Accrual  Period
thereafter,  a per annum rate equal to 7.85% minus  LIBOR,  subject to a maximum
rate of 7.85% per annum and a minimum  rate of 0.00% per annum.  With respect to
the  Class  A-V  Certificates   (other  than  any  Subclass   thereof)  and  any
Distribution  Date,  a  rate  equal  to the  weighted  average,  expressed  as a
percentage,  of the Pool Strip Rates of all Mortgage Loans as of the Due Date in
the related Due Period, weighted on the basis of the respective Stated Principal
Balances  of such  Mortgage  Loans  as of the  day  immediately  preceding  such
Distribution  Date (or,  with respect to the initial  Distribution  Date, at the
close  of  business  on  the  Cut-off  Date).  With  respect  to the  Class  A-V
Certificates and the initial Distribution Date the Pass-Through Rate is equal to
0.3051% per annum.  With respect to any Subclass of Class A-V  Certificates  and
any  Distribution  Date,  a rate equal to the weighted  average,  expressed as a
percentage,  of the Pool Strip Rates of all Mortgage Loans  corresponding to the
Uncertificated  REMIC I Regular  Interests Z represented  by such Subclass as of
the Due Date in the related Due Period,  weighted on the basis of the respective
Stated  Principal  Balances  of such  Mortgage  Loans as of the day  immediately
preceding such  Distribution  Date (or with respect to the initial  Distribution
Date,  at the  close of  business  on the  Cut-off  Date).  The  Principal  Only
Certificates  have  no  Pass-Through  Rate  and  are  not  entitled  to  Accrued
Certificate Interest.

        Preference Amount:  As defined in the Certificate Policy.

        Prepayment  Assumption:   The  prepayment  assumption  to  be  used  for
determining  the  accrual of  original  issue  discount  and  premium and market
discount on the  Certificates  for federal income tax purposes,  which assumes a
constant  prepayment  rate of 6.0% per annum of the then  outstanding  principal
balance of the  related  Mortgage  Loans in the first  month of the life of such

                                       11
<PAGE>

Mortgage Loans and an additional approximately 1.090909% per annum in each month
thereafter  until the twelfth  month,  and beginning in the twelfth month and in
each  month  thereafter  during  the  life of the  Mortgage  Loans,  a  constant
prepayment rate of 18.0% per annum.

        Prepayment  Distribution  Percentage:  With respect to any  Distribution
Date  and  each  Class  of  Subordinate   Certificates,   under  the  applicable
circumstances set forth below, the respective percentages set forth below:

        (i)    For any  Distribution  Date  prior  to the  Distribution  Date in
               February 2008 (unless the Certificate  Principal  Balances of the
               Senior Certificates (other than the Class A-P Certificates), have
               been reduced to zero), 0%.

        (ii)   For any  Distribution  Date not  discussed in clause (i) above on
               which any Class of Subordinate Certificates are outstanding:

                      (a) in the case of the Class of  Subordinate  Certificates
               then  outstanding  with the Highest Priority and each other Class
               of  Subordinate  Certificates  for which the  related  Prepayment
               Distribution Trigger has been satisfied, a fraction, expressed as
               a percentage, the numerator of which is the Certificate Principal
               Balance  of such  Class  immediately  prior to such  date and the
               denominator  of  which  is the sum of the  Certificate  Principal
               Balances  immediately  prior  to such  date of (1) the  Class  of
               Subordinate   Certificates  then  outstanding  with  the  Highest
               Priority and (2) all other  Classes of  Subordinate  Certificates
               for which the respective  Prepayment  Distribution  Triggers have
               been satisfied; and

                      (b) in  the  case  of  each  other  Class  of  Subordinate
               Certificates for which the Prepayment  Distribution Triggers have
               not been satisfied, 0%; and

     (iii)Notwithstanding  the  foregoing,  if the  application of the foregoing
          percentages  on any  Distribution  Date as provided in Section 4.02 of
          this Series  Supplement  (determined  without regard to the proviso to
          the definition of "Subordinate  Principal  Distribution Amount") would
          result in a  distribution  in  respect  of  principal  of any Class or
          Classes of  Subordinate  Certificates  in an amount  greater  than the
          remaining  Certificate  Principal  Balance  thereof (any such class, a
          "Maturing Class"), then: (a) the Prepayment Distribution Percentage of
          each Maturing Class shall be reduced to a level that,  when applied as
          described  above,  would  exactly  reduce  the  Certificate  Principal
          Balance  of  such  Class  to  zero;  (b) the  Prepayment  Distribution
          Percentage of each other Class of Subordinate  Certificates  (any such
          Class, a  "Non-Maturing  Class") shall be  recalculated  in accordance
          with the  provisions in paragraph  (ii) above,  as if the  Certificate
          Principal  Balance  of each  Maturing  Class had been  reduced to zero
          (such percentage as recalculated,  the "Recalculated Percentage"); (c)
          the total  amount of the  reductions  in the  Prepayment  Distribution
          Percentages of the Maturing Class or Classes pursuant to clause (a) of
          this  sentence,   expressed  as  an  aggregate  percentage,  shall  be
          allocated  among  the  Non-Maturing  Classes  in  proportion  to their
          respective  Recalculated  Percentages  (the portion of such  aggregate

                                       12
<PAGE>

          reduction so  allocated to any  Non-Maturing  Class,  the  "Adjustment
          Percentage");  and (d) for  purposes of such  Distribution  Date,  the
          Prepayment Distribution Percentage of each Non-Maturing Class shall be
          equal  to the  sum  of  (1)  the  Prepayment  Distribution  Percentage
          thereof,  calculated  in accordance  with the  provisions in paragraph
          (ii) above as if the  Certificate  Principal  Balance of each Maturing
          Class had not been  reduced to zero,  plus (2) the related  Adjustment
          Percentage.

        Principal Only Certificates:  Any one of the Class A-P Certificates.
        Random Lot: With respect to any  Distribution  Date, the method by which
the Depository will determine which Retail  Certificates will be paid, using its
established  random lot procedures or, if the Retail  Certificates are no longer
represented by a Book-Entry Certificate, using the Trustee's procedures.

        Record Date:  With respect to each  Distribution  Date and each Class of
Certificates  (other than the Adjustable Rate  Certificates  that are Book-Entry
Certificates),  the  close of  business  on the last  Business  Day of the month
preceding the month in which the related  Distribution Date occurs. With respect
to each  Distribution Date and the Adjustable Rate Certificates (so long as they
are Book-Entry Certificates), the close of business on the Business Day prior to
such Distribution Date.

        Related  Classes:  As to any  Uncertificated  REMIC I Regular  Interest,
those classes of Certificates identified as "Related Classes of Certificates" to
such Uncertificated REMIC I Regular Interest in the definition of Uncertificated
REMIC I Regular Interest.

        Relief Act:  The  Soldiers'  and Sailors'  Civil Relief Act of 1940,  as
amended, or similar legislation or regulations as in effect from time to time.

        Relief Act  Shortfalls:  Shortfalls  in interest  payable by a Mortgagor
that is not collectible from the Mortgagor pursuant to the Relief Act.

        REMIC I: The  segregated  pool of assets,  with respect to which a REMIC
election is to be made, consisting of:

               (i)    the Mortgage Loans and the related Mortgage Files,

               (ii)   all  payments and  collections  in respect of the Mortgage
                      Loans due after the Cut-off Date as shall be on deposit in
                      the Custodial  Account or in the Certificate  Account (but
                      not in Reserve Fund I or Reserve  Fund II) and  identified
                      as  belonging  to the Trust Fund,  including  the proceeds
                      from the  liquidation  of  Additional  Collateral  for any
                      Additional  Collateral Loan, but not including  amounts on
                      deposit in the Initial Monthly Payment Fund,

               (iii)  property  which secured a Mortgage Loan and which has been
                      acquired  for the  benefit  of the  Certificateholders  by
                      foreclosure or deed in lieu of foreclosure,

                                       13
<PAGE>

               (iv)   the  hazard  insurance   policies  and  Primary  Insurance
                      Policies,  if any, the Pledged Assets with respect to each
                      Pledged  Asset  Mortgage  Loan,  and the  interest  in the
                      Surety Bond transferred to the Trustee pursuant to Section
                      2.01 herein,

               (v)    with  respect  to  the  Retail   Certificates   only,  the
                      Certificate Policy and the Rounding Account; and

               (vi)   all proceeds of clauses (i) through (v) above.

        REMIC I Certificates:  The Class R-I Certificates.

        REMIC II: The segregated pool of assets consisting of the Uncertificated
REMIC I Regular  Interests  conveyed  in trust to the Trustee for the benefit of
the  holders  of  each  Class  of   Certificates   (other  than  the  Class  R-I
Certificates)  pursuant to Section 2.06,  with respect to which a separate REMIC
election is to be made.

     REMIC II Certificates:  Any Class of Certificates (other than the Class R-I
Certificates).

     Reserve Fund I: Any one or more segregated trust accounts that are Eligible
Accounts,  which shall be titled  "Reserve  Fund I,  Deutsche Bank Trust Company
Americas,  as trustee for the registered holders of Residential  Accredit Loans,
Inc., Mortgage Asset-Backed  Pass-Through  Certificates,  Series 2003-QS1, Class
A-8."

     Reserve  Fund  II:  Any one or more  segregated  trust  accounts  that  are
Eligible  Accounts,  which shall be titled "Reserve Fund II, Deutsche Bank Trust
Company Americas,  as trustee for the registered holders of Residential Accredit
Loans, Inc., Mortgage Asset-Backed Pass-Through  Certificates,  Series 2003-QS1,
Class A-8."

        Reserve Fund I Deposit:  $75,000.

        Reserve Fund II Deposit:  $10,000.

        Reserve Fund I Withdrawal:  As defined in Section 4.09.

        Reserve Fund II Withdrawal:  As defined in Section 4.09.

        Responsible Officer:  When used with respect to the Trustee, any officer
of the  Corporate  Trust  Department  of the Trustee,  including any Senior Vice
President,  any Vice  President,  any Assistant  Vice  President,  any Assistant
Secretary,  any  Trust  Officer  or  Assistant  Trust  Officer  with  particular
responsibility  for  this  transaction,  or any  other  officer  of the  Trustee
customarily  performing functions similar to those performed by any of the above
designated officers to whom, with respect to a particular matter, such matter is
referred.

        Retail Certificates:  Any of the Class A-8 Certificates.

     Rounding  Account:  With  respect to the Retail  Certificates,  the account
created and maintained for such Retail Certificates pursuant to Section 4.10.

                                       14
<PAGE>

        Rounding  Amount:  With respect to the Rounding  Account,  the amount of
funds,  if any,  needed  to be  withdrawn  and used to round  the  amount of any
distributions  in reduction of the Certificate  Principal  Balance of the Retail
Certificates upward to the next higher integral multiple of $1,000.

        Scheduled Final Distribution Date:  January 25, 2033.

        Senior  Certificate:  Any one of the  Class A  Certificates  or  Class R
Certificates,  executed  by the  Trustee and  authenticated  by the  Certificate
Registrar  substantially  in the form annexed to the Standard Terms as Exhibit A
and Exhibit D.

        Senior  Percentage:  As of the  Distribution  Date in February 2003, the
lesser of 100% and a fraction, expressed as a percentage, the numerator of which
is the aggregate Certificate Principal Balance of the Senior Certificates (other
than the Class A-P Certificates) immediately prior to such Distribution Date and
the  denominator  of  which  is the sum of (i) the  aggregate  Stated  Principal
Balance of all of the Mortgage Loans (or related REO Properties) (other than the
related Discount  Fraction of each Discount  Mortgage Loan) immediately prior to
such  Distribution  Date  and  (ii)  $471,634.95.  As of any  Distribution  Date
thereafter,  the lesser of 100% and a fraction,  expressed as a percentage,  the
numerator of which is the aggregate  Certificate Principal Balance of the Senior
Certificates  (other than the Class A-P Certificates)  immediately prior to such
Distribution Date and the denominator of which is the aggregate Stated Principal
Balance of all of the Mortgage Loans (or related REO Properties) (other than the
related Discount  Fraction of each Discount  Mortgage Loan) immediately prior to
such Distribution Date.

        Senior Principal Distribution Amount: As to any Distribution Date before
the  Credit  Support  Depletion  Date,  the  lesser  of (a) the  balance  of the
Available  Distribution  Amount  remaining after the distribution of all amounts
required   to  be   distributed   pursuant   to  Section   4.02(a)(i),   Section
4.02(a)(ii)(W) and Section 4.02(a)(ii)(X) of this Series Supplement, and (b) the
sum of the amounts  required to be distributed to the Senior  Certificateholders
on such Distribution Date pursuant to Sections 4.02(a)(ii)(Y), 4.02(a)(xvii) and
4.02(a)(xviii)  of this Series  Supplement.  As to any  Distribution  Date on or
after the Credit  Support  Depletion  Date, the lesser of (a) the balance of the
Available  Distribution  Amount  remaining  after  the  distribution  of (i) all
amounts required to be distributed  pursuant to Section  4.02(a)(i) and (ii) the
amount required to be distributed to the Class A-P  Certificateholders  pursuant
to Section  4.02(c) of this  Series  Supplement,  and (b) the sum of the amounts
required to be distributed to the Senior Certificateholders on such Distribution
Date pursuant to Sections  4.02(a)(ii)(Y),  4.02(a)(xvii) and  4.02(a)(xviii) of
this Series Supplement.

        Senior Underwriter:  Bear, Stearns & Co. Inc.

        Servicing  Advances:  All  customary,  reasonable  and necessary "out of
pocket" costs and expenses incurred in connection with a default, delinquency or
other  unanticipated  event  by the  Master  Servicer  or a  Subservicer  in the
performance  of its servicing  obligations,  including,  but not limited to, the
cost of (i) the preservation, restoration and protection of a Mortgaged Property
or, with respect to a Cooperative Loan, the related Cooperative Apartment,  (ii)

                                       15
<PAGE>

any enforcement or judicial proceedings,  including foreclosures,  including any
expenses  incurred  in  relation  to any such  proceedings  that result from the
Mortgage Loan being  registered  on the MERS System,  (iii) the  management  and
liquidation of any REO Property,  (iv) any mitigation procedures  implemented in
accordance  with Section 3.07, and (v)  compliance  with the  obligations  under
Sections 3.01, 3.08, 3.11, 3.12(a) and 3.14,  including,  if the Master Servicer
or any Affiliate of the Master Servicer provides services such as appraisals and
brokerage services that are customarily provided by Persons other than servicers
of mortgage loans, reasonable compensation for such services.

        Special Hazard Amount:  As of any Distribution  Date, an amount equal to
$4,756,210  minus the sum of (i) the aggregate  amount of Special  Hazard Losses
allocated  solely to one or more specific  Classes of Certificates in accordance
with Section 4.05 of this Series  Supplement and (ii) the Adjustment  Amount (as
defined below) as most recently calculated.  For each anniversary of the Cut-off
Date, the Adjustment  Amount shall be equal to the amount,  if any, by which the
amount  calculated in accordance  with the preceding  sentence  (without  giving
effect to the deduction of the Adjustment Amount for such  anniversary)  exceeds
the  greater  of (A)  the  greater  of (i) the  product  of the  Special  Hazard
Percentage for such anniversary  multiplied by the outstanding principal balance
of all the Mortgage Loans on the Distribution  Date  immediately  preceding such
anniversary  and (ii) twice the  outstanding  principal  balance of the Mortgage
Loan with the largest outstanding  principal balance as of the Distribution Date
immediately  preceding  such  anniversary  and (B) the greatest of (i) twice the
outstanding  principal  balance of the Mortgage Loan in the Trust Fund which has
the largest  outstanding  principal balance on the Distribution Date immediately
preceding  such  anniversary,  (ii)  the  product  of  1.00%  multiplied  by the
outstanding  principal  balance of all Mortgage Loans on the  Distribution  Date
immediately  preceding  such  anniversary  and (iii) the  aggregate  outstanding
principal  balance (as of the immediately  preceding  Distribution  Date) of the
Mortgage  Loans in any  single  five-digit  California  zip code  area  with the
largest  amount of  Mortgage  Loans by  aggregate  principal  balance as of such
anniversary.

        The Special Hazard Amount may be further  reduced by the Master Servicer
(including  accelerating the manner in which coverage is reduced)  provided that
prior to any such  reduction,  the  Master  Servicer  shall (i)  obtain  written
confirmation  from each Rating Agency that such  reduction  shall not reduce the
rating  assigned to any Class of  Certificates  by such Rating  Agency  (without
giving effect to the Certificate Policy in the case of the Retail  Certificates)
below  the  lower of the  then-current  rating or the  rating  assigned  to such
Certificates  as of the Closing  Date by such Rating  Agency and (ii)  provide a
copy of such written confirmation to the Trustee and the Certificate Insurer.

        Special Hazard  Percentage:  As of each anniversary of the Cut-off Date,
the greater of (i) 1.0% and (ii) the largest percentage obtained by dividing the
aggregate   outstanding   principal   balance  (as  of   immediately   preceding
Distribution Date) of the Mortgage Loans secured by Mortgaged Properties located
in a  single,  five-digit  zip  code  area in the  State  of  California  by the
outstanding  principal  balance of all the Mortgage Loans as of the  immediately
preceding Distribution Date.

        Subordinate   Principal   Distribution   Amount:  With  respect  to  any
Distribution Date and each Class of Subordinate Certificates, (a) the sum of (i)
the product of (x) the related  Subordinate  Class Percentage for such Class and
(y) the  aggregate  of the  amounts  calculated  (without  giving  effect to the

                                       16
<PAGE>

related Senior  Percentages) for such  Distribution  Date under clauses (1), (2)
and (3) of Section 4.02(a)(ii)(Y)(A); (ii) such Class's pro rata share, based on
the Certificate Principal Balance of each Class of Subordinate Certificates then
outstanding,    of   the    principal    collections    described   in   Section
4.02(a)(ii)(Y)(B)(b)   (without   giving   effect  to  the  Senior   Accelerated
Distribution  Percentage)  to the  extent  such  collections  are not  otherwise
distributed  to the Senior  Certificates;  (iii) the  product of (x) the related
Prepayment  Distribution  Percentage  and (y)  the  aggregate  of all  Principal
Prepayments in Full received in the related  Prepayment  Period and Curtailments
received in the  preceding  calendar  month  (other  than the  related  Discount
Fraction of such Principal  Prepayments in Full and Curtailments with respect to
a Discount Mortgage Loan) to the extent not payable to the Senior  Certificates;
(iv) if such Class is the Class of  Subordinate  Certificates  with the  Highest
Priority,  any Excess  Subordinate  Principal Amount for such Distribution Date;
and (v) any amounts  described in clauses (i), (ii) and (iii) as determined  for
any previous  Distribution  Date, that remain  undistributed  to the extent that
such amounts are not  attributable  to Realized Losses which have been allocated
to a Class of  Subordinate  Certificates  minus (b) with respect to the Class of
Subordinate  Certificates  with the  Lowest  Priority,  any  Excess  Subordinate
Principal  Amount  for  such  Distribution  Date;  provided,  however,  that the
Subordinate   Principal   Distribution  Amount  for  any  Class  of  Subordinate
Certificates on any  Distribution  Date shall in no event exceed the outstanding
Certificate Principal Balance of such Class of Certificates immediately prior to
such date.

     Trust Fund:  The assets of REMIC I, Reserve Fund I, Reserve Fund II and the
Initial Monthly Payment Fund.

        Uncertificated Accrued Interest: With respect to each Distribution Date,
(i)  as to  each  Uncertificated  REMIC  I  Regular  Interest  other  than  each
Uncertificated  REMIC I Regular  Interest  Z, an amount  equal to the  aggregate
amount of Accrued Certificate  Interest that would result under the terms of the
definition  thereof on the Related Classes of  Certificates if the  Pass-Through
Rate on such Classes were equal to the Uncertificated  Pass-Through Rate on such
Uncertificated REMIC I Regular Interest,  (ii) as to each Uncertificated REMIC I
Regular  Interest  Z and each  Uncertificated  REMIC II Regular  Interest  Z, an
amount  equal to one  month's  interest  at the Pool Strip  Rate of the  related
Mortgage  Loan on the  principal  balance of such  Mortgage Loan reduced by such
Interest's  pro-rata  share  of any  prepayment  interest  shortfalls  or  other
reductions of interest allocable to the Class A-V Certificates.

        Uncertificated   Pass-Through   Rate:   With  respect  to  each  of  the
Uncertificated REMIC I Regular Interests,  other than the Uncertificated REMIC I
Regular  Interests  Z,  the  per  annum  rate  specified  in the  definition  of
Uncertificated  REMIC I Regular Interests.  With respect to each  Uncertificated
REMIC I Regular Interest Z and each Uncertificated  REMIC II Regular Interest Z,
the Pool Strip Rate for the related Mortgage Loan.

        Uncertificated  Principal Balance:  With respect to each  Uncertificated
REMIC I Regular Interest, as defined in the definition of Uncertificated REMIC I
Regular Interest.

        Uncertificated  REMIC I Regular Interests:  The  Uncertificated  REMIC I
Regular  Interests Z together with the interests  identified in the table below,
each  representing an undivided  beneficial  ownership  interest in REMIC I, and
having the following characteristics:

                                       17
<PAGE>

     1.   The principal balance from time to time of each Uncertificated REMIC I
          Regular  Interest  identified  in the table  below shall be the amount
          identified  as the Initial  Principal  Balance  thereof in such table,
          minus the sum of (x) the  aggregate of all amounts  previously  deemed
          distributed  with  respect to such  interest and applied to reduce the
          Uncertificated   Principal   Balance   thereof   pursuant  to  Section
          10.04(a)(ii)  and (y) the aggregate of all  reductions in  Certificate
          Principal  Balance deemed to have occurred in connection with Realized
          Losses that were  previously  deemed  allocated to the  Uncertificated
          Principal  Balance  of such  Uncertificated  REMIC I Regular  Interest
          pursuant to Section  10.04(d),  which equals the  aggregate  principal
          balance of the Classes of  Certificates  identified as related to such
          Uncertificated REMIC I Regular Interest in such table.

     2.   The Uncertificated  Pass-Through Rate for each Uncertificated  REMIC I
          Regular Interest  identified in the table below shall be the per annum
          rate set forth in the Pass-Through Rate column of such table.

     3.   The  Uncertificated  REMIC I  Distribution  Amount  for  each  REMIC I
          Regular  Interest  identified  in the table  below  shall be,  for any
          Distribution  Date, the amount deemed distributed with respect to such
          Uncertificated  REMIC I Regular  Interest  on such  Distribution  Date
          pursuant to the provisions of Section 10.04(a).
<TABLE>
<CAPTION>

----------------------- --------------------------------- ------------------- -------------------
 Uncertificated REMIC   Related Classes of Certificates   Pass-Through Rate   Initial Principal
  I Regular Interest                                                               Balance
----------------------- --------------------------------- ------------------- -------------------
----------------------- --------------------------------- ------------------- -------------------
<S>                             <C>                       <C>                    <C>
          P             Class A-1                         5.00%                  $ 50,000,000.00
----------------------- --------------------------------- ------------------- -------------------
----------------------- --------------------------------- ------------------- -------------------
          Q             Class A-2, Class A-7, Class       5.75%                  $167,839,274.00
                        A-11, Class A-12
----------------------- --------------------------------- ------------------- -------------------
----------------------- --------------------------------- ------------------- -------------------
          R             Class A-3                         4.75%                  $ 30,000,000.00
----------------------- --------------------------------- ------------------- -------------------
----------------------- --------------------------------- ------------------- -------------------
          S             Class A-4, Class A-5              8.50%                  $ 40,587,529.00
----------------------- --------------------------------- ------------------- -------------------
----------------------- --------------------------------- ------------------- -------------------
          T             Class A-6                         4.25%                  $ 74,410,471.00
----------------------- --------------------------------- ------------------- -------------------
----------------------- --------------------------------- ------------------- -------------------
          U             Class A-8                         5.70%                  $ 21,000,000.00
----------------------- --------------------------------- ------------------- -------------------
----------------------- --------------------------------- ------------------- -------------------
          V             Class A-9, Class A-10             8.50%                  $ 24,545,454.00
----------------------- --------------------------------- ------------------- -------------------
----------------------- --------------------------------- ------------------- -------------------
          W             Class A-13, Class A-14            8.50%                  $ 40,838,272.00
----------------------- --------------------------------- ------------------- -------------------
----------------------- --------------------------------- ------------------- -------------------
          X             Class A-P                         0.00%                  $  1,429,525.04
----------------------- --------------------------------- ------------------- -------------------
----------------------- --------------------------------- ------------------- -------------------
          Y             Class R-II, Class M-1, Class      6.00%
                        M-2, Class M-3, Class B-1,                                $24,970,441.75
                        Class B-2, Class B-3
----------------------- --------------------------------- ------------------- -------------------
</TABLE>

        Uncertificated   REMIC  I  Regular   Interests  Z:  Each  of  the  2,385
uncertificated  partial undivided  beneficial  ownership  interests in the Trust
Fund,  numbered  sequentially  from 1 to 2,385,  each relating to the particular
Mortgage  Loan  identified  by  such  sequential  number  on the  Mortgage  Loan
Schedule,  each having no principal  balance,  and each bearing  interest at the
respective  Pool  Strip  Rate on the Stated  Principal  Balance  of the  related
Mortgage Loan.

                                       18
<PAGE>

        Uncertificated  REMIC I Regular  Interests Z Distribution  Amount:  With
respect  to  any  Distribution  Date,  the  sum  of  the  amounts  deemed  to be
distributed  on  the  Uncertificated  REMIC  I  Regular  Interests  Z  for  such
Distribution Date pursuant to Section 10.04(a).

        Uncertificated  REMIC I  Regular  Interest  Distribution  Amounts:  With
respect  to each  Uncertificated  REMIC  I  Regular  Interest,  other  than  the
Uncertificated  REMIC  I  Regular  Interests  Z,  the  amount  specified  as the
Uncertificated REMIC I Regular Interest Distribution Amount with respect thereto
in the definition of Uncertificated  REMIC I Regular Interests.  With respect to
the  Uncertificated  REMIC I Regular  Interests  Z, the  Uncertificated  REMIC I
Regular Interests Z Distribution Amount.

        Uncertificated   REMIC  II  Regular  Interests  Z:  Each  of  the  2,385
uncertificated  partial  undivided  beneficial  ownership  interests in REMIC II
numbered  sequentially  from 1 through  2,385 each  relating to the  identically
numbered  Uncertificated  REMIC I Regular  Interests Z, each having no principal
balance and bearing  interest at a rate equal to the related  Pool Strip Rate on
the Stated  Principal  Balance of the Mortgage  Loan related to the  identically
numbered   Uncertificated   REMIC  I  Regular   Interests  Z,   comprising  such
Uncertificated  REMIC II  Regular  Interests  Z's pro rata  share of the  amount
distributed pursuant to Sections 10.04(a).

        Uncertificated  REMIC II Regular  Interests  Distribution  Amount:  With
respect  to  any  Distribution  Date,  the  sum  of  the  amounts  deemed  to be
distributed  on  the  Uncertificated  REMIC  I  Regular  Interests  Z  for  such
Distribution Date pursuant to Section 10.04(a).

Section 1.02.  Use of Words and Phrases.

        "Herein," "hereby," "hereunder," "hereof," "hereinbefore," "hereinafter"
and other  equivalent  words refer to the Pooling and  Servicing  Agreement as a
whole. All references herein to Articles, Sections or Subsections shall mean the
corresponding  Articles,  Sections and  Subsections in the Pooling and Servicing
Agreement.  The  definitions  set forth herein include both the singular and the
plural.

        Section 1.03. Determination of LIBOR.

        LIBOR  applicable to the  calculation of the  Pass-Through  Rates on the
Floater Certificates and Inverse Floater Certificates,  if any, for any Interest
Accrual  Period  (other  than  the  initial  Interest  Accrual  Period)  will be
determined as described below:

        On each  Distribution  Date,  LIBOR shall be  established by the Trustee
and, as to any Interest Accrual Period, will equal the rate for one month United
States  dollar  deposits  that appears on the  Telerate  Screen Page 3750 of the
Moneyline  Telerate Capital Markets Report as of 11:00 a.m., London time, on the
second LIBOR Business Day prior to the first day of such Interest Accrual Period
("LIBOR Rate Adjustment  Date").  "Telerate  Screen Page 3750" means the display
designated  as page 3750 on the  Telerate  Service  (or such  other  page as may
replace page 3750 on that service for the purpose of displaying London interbank
offered  rates of major  banks).  If such rate does not  appear on such page (or
such other page as may replace that page on that service,  or if such service is
no longer offered, any other service for displaying LIBOR or comparable rates as
may be selected by the Trustee after consultation with the Master Servicer), the
rate  will be the  Reference  Bank  Rate.  The  "Reference  Bank  Rate"  will be
determined  on the  basis of the rates at which  deposits  in U.S.  Dollars  are
offered by the  reference  banks  (which shall be any three major banks that are
engaged in transactions in the London interbank market,  selected by the Trustee
after  consultation  with the Master Servicer) as of 11:00 a.m., London time, on

                                       19
<PAGE>

the day  that is one  LIBOR  Business  Day  prior to the  immediately  preceding
Distribution  Date to prime banks in the London interbank market for a period of
one month in amounts  approximately equal to the aggregate Certificate Principal
Balance of the Adjustable Rate Certificates  then outstanding.  The Trustee will
request the principal  London office of each of the reference banks to provide a
quotation of its rate. If at least two such  quotations  are provided,  the rate
will be the arithmetic mean of the quotations rounded up to the next multiple of
1/16%. If on such date fewer than two quotations are provided as requested,  the
rate will be the arithmetic  mean of the rates quoted by one or more major banks
in New York City,  selected by the Trustee  after  consultation  with the Master
Servicer,  as of 11:00 a.m.,  New York City time, on such date for loans in U.S.
Dollars  to  leading  European  banks  for a  period  of one  month  in  amounts
approximately  equal  to the  aggregate  Certificate  Principal  Balance  of the
Adjustable  Rate  Certificates  then  outstanding.  If no such quotations can be
obtained,  the rate will be LIBOR for the prior  Distribution  Date,  or, in the
case of the first LIBOR Rate Adjustment Date, 1.42%; provided however, if, under
the priorities  described above, LIBOR for a Distribution Date would be based on
LIBOR for the previous Distribution Date for the third consecutive  Distribution
Date, the Trustee shall, after consultation with the Master Servicer,  select an
alternative  comparable index (over which the Trustee has no control),  used for
determining  one-month Eurodollar lending rates that is calculated and published
(or otherwise made  available) by an  independent  party.  "LIBOR  Business Day"
means  any day  other  than (i) a  Saturday  or a Sunday  or (ii) a day on which
banking  institutions in the city of London,  England are required or authorized
by law to be closed.

        The  establishment  of LIBOR by the Trustee on any LIBOR Rate Adjustment
Date and the Master Servicer's subsequent  calculation of the Pass-Through Rates
applicable to each of the Floater  Certificates and Inverse Floater Certificates
for the relevant Interest Accrual Period, in the absence of manifest error, will
be final and binding.

        Promptly  following  each LIBOR Rate  Adjustment  Date the Trustee shall
supply the Master  Servicer  with the results of its  determination  of LIBOR on
such date.  Furthermore,  the Trustee will supply the Pass-Through Rates on each
of the Floater Certificates and Inverse Floater Certificates for the current and
the immediately  preceding  Interest  Accrual Period via the Trustee's  internet
website, which may be obtained by telephoning the Trustee at (800) 735-7777.

                                       20
<PAGE>

                                   ARTICLE II

                          CONVEYANCE OF MORTGAGE LOANS;

                        ORIGINAL ISSUANCE OF CERTIFICATES

     Section 2.01.  Conveyance  of  Mortgage  Loans.  (See  Section  2.01 of the
          Standard Terms)

     Section 2.02.  Acceptance  by Trustee.  (See  Section  2.02 of the Standard
          Terms)

     Section 2.03.  Representations,  Warranties  and  Covenants  of the  Master
          Servicer and the Company.

(a)     For  representations,  warranties and covenants of the Master  Servicer,
        see Section 2.03(a) of the Standard Terms.

(b)     The  Company  hereby  represents  and  warrants  to the  Trustee for the
        benefit  of  Certificateholders  that as of the  Closing  Date  (or,  if
        otherwise specified below, as of the date so specified):

(i)     No Mortgage  Loan is 30 or more days  Delinquent in payment of principal
        and  interest  as of the Cut-off  Date and no Mortgage  Loan has been so
        Delinquent  more than once in the  12-month  period prior to the Cut-off
        Date;

(ii)    The  information  set forth in Exhibit One hereto  with  respect to each
        Mortgage  Loan or the  Mortgage  Loans,  as the case may be, is true and
        correct in all material  respects at the date or dates  respecting which
        such information is furnished;

(iii)   The Mortgage Loans are fully-amortizing,  fixed-rate mortgage loans with
        level  Monthly  Payments due, with respect to a majority of the Mortgage
        Loans,  on the  first  day of  each  month  and  terms  to  maturity  at
        origination or modification of not more than 30 years;

(iv) To the  best of the  Company's  knowledge,  except  with  respect  to eight
     Mortgage Loans representing  approximately 0.2% of the principal balance of
     the  Mortgage  Loans at  origination,  if a  Mortgage  Loan is secured by a
     Mortgaged  Property with a Loan-to-Value  Ratio at origination in excess of
     80%, such Mortgage Loan is the subject of a Primary  Insurance  Policy that
     insures (a) at least 35% of the Stated  Principal  Balance of the  Mortgage
     Loan at  origination  if the  Loan-to-Value  Ratio is between  100.00%  and
     95.01%,  (b) at least 30% of the Stated  Principal  Balance of the Mortgage
     Loan at  origination  if the  Loan-to-Value  Ratio is  between  95.00%  and
     90.01%,  (c) at least 25% of such  balance  if the  Loan-to-Value  Ratio is
     between  90.00%  and  85.01%  and (d) at least 12% of such  balance  if the
     Loan-to-Value  Ratio  is  between  85.00%  and  80.01%.  To the best of the
     Company's  knowledge,  each such Primary  Insurance Policy is in full force
     and effect and the Trustee is entitled to the benefits thereunder;

(v)  The issuers of the Primary Insurance Policies are insurance companies whose
     claims-paying abilities are currently acceptable to each Rating Agency;

                                       21
<PAGE>

(vi)    No more than 0.5% of the Mortgage  Loans by aggregate  Stated  Principal
        Balance  as of the  Cut-off  Date are  secured by  Mortgaged  Properties
        located in any one zip code area in California  and no more than 0.4% of
        the  Mortgage  Loans by  aggregate  Stated  Principal  Balance as of the
        Cut-off Date are secured by Mortgaged  Properties located in any one zip
        code area outside California;

(vii)   The improvements upon the Mortgaged  Properties are insured against loss
        by fire and other  hazards as required by the Program  Guide,  including
        flood  insurance if required under the National  Flood  Insurance Act of
        1968, as amended.  The Mortgage  requires the Mortgagor to maintain such
        casualty  insurance at the Mortgagor's  expense,  and on the Mortgagor's
        failure to do so,  authorizes  the holder of the  Mortgage to obtain and
        maintain  such  insurance  at  the  Mortgagor's   expense  and  to  seek
        reimbursement therefor from the Mortgagor;

(viii)  Immediately  prior  to the  assignment  of  the  Mortgage  Loans  to the
        Trustee,  the Company had good title to, and was the sole owner of, each
        Mortgage  Loan  free  and  clear of any  pledge,  lien,  encumbrance  or
        security   interest   (other  than  rights  to  servicing   and  related
        compensation)  and such assignment  validly  transfers  ownership of the
        Mortgage  Loans to the  Trustee  free and  clear  of any  pledge,  lien,
        encumbrance or security interest;

(ix)    Approximately 51.19% of the Mortgage Loans by aggregate Stated Principal
        Balance as of the Cut-off  Date were  underwritten  under a reduced loan
        documentation  program,  approximately  14.49% of the Mortgage  Loans by
        aggregate  Stated  Principal   Balance  as  of  the  Cut-off  Date  were
        underwritten under a no-stated income program,  and approximately  2.39%
        of the Mortgage Loans by aggregate  Stated  Principal  Balance as of the
        Cut-off Date were underwritten under a no income/no asset program;

(x)     Except with respect to  approximately  19.43% of the  Mortgage  Loans by
        aggregate Stated Principal Balance as of the Cut-off Date, the Mortgagor
        represented in its loan application with respect to the related Mortgage
        Loan that the Mortgaged Property would be owner-occupied;

(xi)    None of the Mortgage Loans is a Buy-Down Mortgage Loan;

(xii)   Each  Mortgage  Loan  constitutes  a qualified  mortgage  under  Section
        860G(a)(3)(A)   of   the   Code   and   Treasury   Regulations   Section
        1.860G-2(a)(1);

(xiii)  A policy of title  insurance  was  effective  as of the  closing of each
        Mortgage  Loan and is valid and  binding  and  remains in full force and
        effect, unless the Mortgaged Properties are located in the State of Iowa
        and an  attorney's  certificate  has been  provided as  described in the
        Program Guide;

(xiv)   None of the  Mortgage  Loans is a  Cooperative  Loan;  with respect to a
        Mortgage Loan that is a Cooperative  Loan, the Cooperative Stock that is
        pledged  as  security  for the  Mortgage  Loan is held by a person  as a
        tenant-stockholder  (as  defined  in  Section  216  of  the  Code)  in a
        cooperative housing corporation (as defined in Section 216 of the Code);

                                       22
<PAGE>

(xv)    With respect to each  Mortgage  Loan  originated  under a  "streamlined"
        Mortgage  Loan program  (through  which no new or updated  appraisals of
        Mortgaged  Properties  are obtained in connection  with the  refinancing
        thereof),  the related Seller has represented  that either (a) the value
        of the related  Mortgaged  Property as of the date the Mortgage Loan was
        originated was not less than the appraised value of such property at the
        time  of  origination  of  the  refinanced  Mortgage  Loan  or  (b)  the
        Loan-to-Value  Ratio of the Mortgage Loan as of the date of  origination
        of  the  Mortgage  Loan  generally  meets  the  Company's   underwriting
        guidelines;

(xvi)   Interest on each  Mortgage  Loan is calculated on the basis of a 360-day
        year consisting of twelve 30-day months;

(xvii)  None of the  Mortgage  Loans  contain  in the  related  Mortgage  File a
        Destroyed Mortgage Note;

(xviii) None  of the  Mortgage  Loans  will  have  been  made  to  International
        Borrowers,  and no such  Mortgagor  is a member of a foreign  diplomatic
        mission with diplomatic rank;

(xix)   No Mortgage  Loan provides for payments that are subject to reduction by
        withholding  taxes levied by any foreign  (non-United  States) sovereign
        government; and

(xx)    None of the Mortgage Loans are Additional  Collateral  Loans and none of
        the Mortgage Loans are Pledged Asset Loans.

It is understood and agreed that the representations and warranties set forth in
this Section 2.03(b) shall survive delivery of the respective  Mortgage Files to
the Trustee or any Custodian.

        Upon discovery by any of the Company,  the Master Servicer,  the Trustee
or any Custodian of a breach of any of the  representations  and  warranties set
forth  in this  Section  2.03(b)  that  materially  and  adversely  affects  the
interests of the  Certificateholders in any Mortgage Loan, the party discovering
such breach shall give prompt written notice to the other parties (any Custodian
being so obligated under a Custodial Agreement);  provided, however, that in the
event of a breach  of the  representation  and  warranty  set  forth in  Section
2.03(b)(xii),  the party  discovering  such breach shall give such notice within
five days of discovery. Within 90 days of its discovery or its receipt of notice
of  breach,  the  Company  shall  either  (i) cure such  breach in all  material
respects or (ii) purchase such Mortgage Loan from the Trust Fund at the Purchase
Price and in the manner set forth in Section  2.02;  provided  that the  Company
shall have the option to  substitute  a Qualified  Substitute  Mortgage  Loan or
Loans  for such  Mortgage  Loan if such  substitution  occurs  within  two years
following the Closing Date;  provided that if the omission or defect would cause
the Mortgage Loan to be other than a "qualified  mortgage" as defined in Section
860G(a)(3) of the Code,  any such cure or  repurchase  must occur within 90 days
from the date  such  breach  was  discovered.  Any  such  substitution  shall be
effected  by the  Company  under the same terms and  conditions  as  provided in
Section 2.04 for  substitutions  by  Residential  Funding.  It is understood and

                                       23
<PAGE>

agreed that the  obligation of the Company to cure such breach or to so purchase
or  substitute  for any Mortgage Loan as to which such a breach has occurred and
is continuing shall constitute the sole remedy  respecting such breach available
to the  Certificateholders  or the Trustee on behalf of the  Certificateholders.
Notwithstanding  the  foregoing,  the  Company  shall  not be  required  to cure
breaches  or  purchase  or  substitute  for  Mortgage  Loans as provided in this
Section  2.03(b) if the  substance of the breach of a  representation  set forth
above also constitutes fraud in the origination of the Mortgage Loan.

Section 2.04.  Representations  and Warranties of Sellers.  (See Section 2.04 of
     the Standard Terms)

Section  2.05.   Execution  and  Authentication  of   Certificates/Issuance   of
     Certificates Evidencing Interests in REMIC I Certificates.

        The Trustee  acknowledges the assignment to it of the Mortgage Loans and
the  delivery  of the  Mortgage  Files to it, or any  Custodian  on its  behalf,
subject to any exceptions noted, together with the assignment to it of all other
assets included in the Trust Fund and/or the applicable REMIC,  receipt of which
is  hereby  acknowledged.  Concurrently  with  such  delivery  and  in  exchange
therefor,  the Trustee,  pursuant to the written request of the Company executed
by an officer of the Company,  has executed and caused to be  authenticated  and
delivered  to or upon the order of the  Company  the Class R-I  Certificates  in
authorized  denominations which together with the Uncertificated REMIC I Regular
Interests, evidence the beneficial interest in REMIC I.

Section  2.06.  Conveyance  of  Uncertificated  REMIC  I and  REMIC  II  Regular
Interests; Acceptance by the Trustee.

        The Company, as of the Closing Date, and concurrently with the execution
and delivery hereof,  does hereby assign without  recourse all the right,  title
and  interest  of the  Company  in and to the  Uncertificated  REMIC  I  Regular
Interests  to the  Trustee  for the  benefit  of the  Holders  of each  Class of
Certificates (other than the Class R-I Certificates).  The Trustee  acknowledges
receipt of the  Uncertificated  REMIC I Regular  Interests  and declares that it
holds and will hold the same in trust for the  exclusive  use and benefit of all
present and future Holders of each Class of  Certificates  (other than the Class
R-I  Certificates).  The rights of the  Holders  of each  Class of  Certificates
(other  than the Class  R-I  Certificates)  to  receive  distributions  from the
proceeds of REMIC II in respect of such Classes,  and all ownership interests of
the Holders of such Classes in such distributions, shall be as set forth in this
Agreement.

Section 2.07. Issuance of Certificates Evidencing Interest in REMIC II.

        The Trustee  acknowledges  the  assignment  to it of the  Uncertificated
REMIC I Regular Interests and, concurrently  therewith and in exchange therefor,
pursuant  to the written  request of the  Company  executed by an officer of the
Company,  the Trustee has executed and caused to be authenticated  and delivered
to or upon the order of the Company, all Classes of Certificates (other than the
Class  R-I  Certificates)  in  authorized  denominations,   which  evidence  the
beneficial interest in the entire REMIC II.

     Purposes and Powers of the Trust. (See Section 2.08 of the Standard Terms).

                                       24
<PAGE>

                                  ARTICLE III

                          ADMINISTRATION AND SERVICING

                                OF MORTGAGE LOANS

Section 3.01.  Master  Servicer to Act as  Servicer.  (See  Section  3.01 of the
     Standard Terms)

Section 3.02.  Subservicing Agreements Between Master Servicer and Subservicers;
     Enforcement of Subservicers' and Sellers' Obligations. (See Section 3.02 of
     the Standard Terms)

Section 3.03. Successor Subservicers. (See Section 3.03 of the Standard Terms)

Section  3.04.  Liability  of the  Master  Servicer.  (See  Section  3.04 of the
     Standard Terms)

Section 3.05. No Contractual  Relationship  Between  Subservicer  and Trustee or
     Certificateholders. (See Section 3.05 of the Standard Terms)

Section 3.06.  Assumption or Termination of Subservicing  Agreements by Trustee.
     (See Section 3.06 of the Standard Terms)

Section  3.07.  Collection  of  Certain  Mortgage  Loan  Payments;  Deposits  to
     Custodial Account.

(a) The Master  Servicer shall make  reasonable  efforts to collect all payments
called for under the terms and provisions of the Mortgage  Loans,  and shall, to
the extent such procedures shall be consistent with this Agreement and the terms
and provisions of any related Primary Insurance  Policy,  follow such collection
procedures as it would employ in its good faith business  judgment and which are
normal and usual in its general mortgage servicing  activities.  Consistent with
the  foregoing,  the Master  Servicer may in its  discretion  (i) waive any late
payment charge or any prepayment  charge or penalty  interest in connection with
the  prepayment of a Mortgage Loan and (ii) extend the Due Date for payments due
on a Mortgage Loan in accordance with the Program Guide; provided, however, that
the Master Servicer shall first determine that any such waiver or extension will
not impair the coverage of any related  Primary  Insurance  Policy or materially
adversely  affect  the lien of the  related  Mortgage.  In the event of any such
arrangement,  the Master  Servicer  shall make  timely  advances  on the related
Mortgage Loan during the scheduled  period in accordance  with the  amortization
schedule of such  Mortgage Loan without  modification  thereof by reason of such
arrangements  unless  otherwise  agreed  to by the  Holders  of the  Classes  of
Certificates affected thereby;  provided,  however, that no such extension shall
be made if any such advance would be a Nonrecoverable  Advance.  Consistent with
the terms of this Agreement,  the Master Servicer may also waive, modify or vary
any  term  of any  Mortgage  Loan  or  consent  to the  postponement  of  strict
compliance with any such term or in any manner grant indulgence to any Mortgagor
if  in  the  Master   Servicer's   determination   such  waiver,   modification,
postponement  or  indulgence is not  materially  adverse to the interests of the
Certificateholders  (taking into account any estimated  Realized Loss that might
result absent such action); provided,  however, that the Master Servicer may not

                                       25
<PAGE>

modify  materially  or permit  any  Subservicer  to modify  any  Mortgage  Loan,
including  without  limitation any  modification  that would change the Mortgage
Rate,  forgive the payment of any  principal or interest  (unless in  connection
with the  liquidation of the related  Mortgage Loan or except in connection with
prepayments to the extent that such  reamortization is not inconsistent with the
terms of the Mortgage  Loan), or extend the final maturity date of such Mortgage
Loan,  unless such Mortgage Loan is in default or, in the judgment of the Master
Servicer, such default is reasonably foreseeable; and provided, further, that no
such  modification  shall reduce the interest  rate on a Mortgage Loan below the
sum of the  rates at  which  the  Servicing  Fee and the  Subservicing  Fee with
respect to such Mortgage Loan accrue and the rate at which the Insurance Premium
accrues.  The final  maturity  date for any Mortgage  Loan shall not be extended
beyond the Maturity Date. In connection with any Curtailment of a Mortgage Loan,
the  Master  Servicer,  to the  extent  not  inconsistent  with the terms of the
Mortgage  Note and local law and  practice,  may permit the Mortgage  Loan to be
reamortized such that the Monthly Payment is recalculated as an amount that will
fully amortize the remaining  Stated  Principal  Balance thereof by the original
Maturity  Date  based  on  the  original  Mortgage  Rate;  provided,  that  such
re-amortization  shall not be permitted if it would  constitute a reissuance  of
the Mortgage Loan for federal income tax purposes,  except if such reissuance is
described in Treasury Regulation Section 1.860G-2(b)(3).

        (b) - (d). (See Section 3.07(b) -(d) of the Standard Terms)

     Section 3.08. Subservicing Accounts;  Servicing Accounts. (See Section 3.08
          of the Standard Terms)

     Section 3.09. Access to Certain Documentation and Information Regarding the
          Mortgage Loans. (See Section 3.09 of the Standard Terms)

     Section 3.10. Permitted Withdrawals from the Custodial Account.

        (a)(i) (See Section 3.10(a)(i) of the Standard Terms)

                      (ii) to reimburse  itself or the related  Subservicer  for
               previously  unreimbursed  Advances,  Servicing  Advances or other
               expenses made pursuant to Sections  3.01,  3.07(a),  3.08,  3.11,
               3.12(a), 3.14 and 4.04 or otherwise  reimbursable pursuant to the
               terms of this Agreement,  such withdrawal  right being limited to
               amounts  received on particular  Mortgage Loans  (including,  for
               this  purpose,  REO  Proceeds,  Insurance  Proceeds,  Liquidation
               Proceeds  and  proceeds  from the  purchase  of a  Mortgage  Loan
               pursuant to Section 2.02, 2.03, 2.04 or 4.07) which represent (A)
               Late  Collections of Monthly  Payments for which any such advance
               was made in the case of Subservicer Advances or Advances pursuant
               to Section 4.04 and (B) recoveries of amounts in respect of which
               such advances were made in the case of Servicing Advances;

        (a)(iii) -(vi). (See Section 3.10(a)(iii) -(vi) of the Standard Terms)

                      (vii) to reimburse  itself or the related  Subservicer for
               any  Nonrecoverable  Advance or Advances in the manner and to the
               extent  provided  in  subsection  (c) below,  and any  Advance or
               Servicing  Advance made in  connection  with a modified  Mortgage

                                       26
<PAGE>

               Loan  that  is in  default  or,  in the  judgment  of the  Master
               Servicer,  default is reasonably  foreseeable pursuant to Section
               3.07(a),  to the extent the amount of the  Advance has been added
               to the outstanding principal balance of the Mortgage Loan, or any
               Advance  reimbursable to the Master Servicer  pursuant to Section
               4.02(a);

        (a)(viii) -(c). (See Section 3.10(a)(viii) -(c) of the Standard Terms)

     Section 3.11.  Maintenance of the Primary Insurance  Policies;  Collections
          Thereunder. (See Section 3.11 of the Standard Terms)

     Section 3.12.  Maintenance  of Fire  Insurance  and  Omissions and Fidelity
          Coverage. (See Section 3.12 of the Standard Terms)

     Section  3.13.   Enforcement   of  Due-on-Sale   Clauses;   Assumption  and
          Modification Agreements; Certain Assignments. (See Section 3.13 of the
          Standard Terms)

     Section 3.14. Realization Upon Defaulted Mortgage Loans.

               (a)  The  Master  Servicer  shall  foreclose  upon  or  otherwise
        comparably  convert (which may include an REO Acquisition) the ownership
        of  properties  securing  such of the  Mortgage  Loans as come  into and
        continue in default and as to which no satisfactory  arrangements can be
        made for  collection  of delinquent  payments  pursuant to Section 3.07.
        Alternatively,  the Master Servicer may take other actions in respect of
        a defaulted  Mortgage Loan, which may include (i) accepting a short sale
        (a payoff of the Mortgage  Loan for an amount less than the total amount
        contractually  owed in  order  to  facilitate  a sale  of the  Mortgaged
        Property by the  Mortgagor) or permitting a short  refinancing (a payoff
        of  the  Mortgage  Loan  for  an  amount  less  than  the  total  amount
        contractually  owed in order to facilitate  refinancing  transactions by
        the  Mortgagor not  involving a sale of the  Mortgaged  Property),  (ii)
        arranging for a repayment plan or (iii)  agreeing to a  modification  in
        accordance  with Section 3.07. In connection  with such  foreclosure  or
        other  conversion,  the Master Servicer  shall,  consistent with Section
        3.11, follow such practices and procedures as it shall deem necessary or
        advisable,  as  shall  be  normal  and  usual  in its  general  mortgage
        servicing  activities  and as  shall be  required  or  permitted  by the
        Program Guide;  provided that the Master Servicer shall not be liable in
        any respect  hereunder  if the Master  Servicer is acting in  connection
        with  any  such  foreclosure  or other  conversion  in a manner  that is
        consistent with the provisions of this Agreement.  The Master  Servicer,
        however,  shall not be  required  to expend its own funds or incur other
        reimbursable  charges in connection with any  foreclosure,  or attempted
        foreclosure  which is not completed,  or towards the  restoration of any
        property  unless it shall  determine  (i) that such  restoration  and/or
        foreclosure  will increase the proceeds of  liquidation  of the Mortgage
        Loan  to  Holders  of   Certificates   of  one  or  more  Classes  after
        reimbursement  to itself for such expenses or charges and (ii) that such
        expenses  or  charges  will be  recoverable  to it  through  Liquidation
        Proceeds, Insurance Proceeds, or REO Proceeds (respecting which it shall
        have priority for purposes of  withdrawals  from the  Custodial  Account
        pursuant to Section  3.10,  whether or not such expenses and charges are
        actually  recoverable  from  related  Liquidation  Proceeds,   Insurance
        Proceeds or REO Proceeds).  In the event of such a determination  by the
        Master Servicer  pursuant to this Section  3.14(a),  the Master Servicer
        shall be entitled to  reimbursement  of such amounts pursuant to Section
        3.10.

                                       27
<PAGE>

               In addition to the foregoing,  the Master  Servicer shall use its
        best  reasonable  efforts to realize upon any Additional  Collateral for
        such of the  Additional  Collateral  Loans as come into and  continue in
        default  and as to which no  satisfactory  arrangements  can be made for
        collection of  delinquent  payments  pursuant to Section 3.07;  provided
        that the Master  Servicer  shall not, on behalf of the  Trustee,  obtain
        title to any such Additional Collateral as a result of or in lieu of the
        disposition  thereof or  otherwise;  and  provided  further that (i) the
        Master  Servicer  shall not  proceed  with  respect  to such  Additional
        Collateral  in any  manner  that  would  impair  the  ability to recover
        against the related  Mortgaged  Property,  and (ii) the Master  Servicer
        shall proceed with any REO  Acquisition  in a manner that  preserves the
        ability to apply the  proceeds  of such  Additional  Collateral  against
        amounts owed under the defaulted  Mortgage Loan.  Any proceeds  realized
        from such  Additional  Collateral  (other than amounts to be released to
        the  Mortgagor or the related  guarantor in accordance  with  procedures
        that the Master  Servicer  would follow in servicing  loans held for its
        own account, subject to the terms and conditions of the related Mortgage
        and  Mortgage  Note and to the  terms  and  conditions  of any  security
        agreement,  guarantee  agreement,  mortgage or other agreement governing
        the disposition of the proceeds of such Additional  Collateral) shall be
        deposited in the Custodial  Account,  subject to withdrawal  pursuant to
        Section  3.10.  Any other  payment  received  by the Master  Servicer in
        respect  of  such  Additional  Collateral  shall  be  deposited  in  the
        Custodial Account subject to withdrawal pursuant to Section 3.10.

               For so long as the Master  Servicer is the Master  Servicer under
        the Credit Support Pledge  Agreement,  the Master Servicer shall perform
        its obligations  under the Credit Support Pledge Agreement in accordance
        with such Agreement and in a manner that is in the best interests of the
        Certificateholders.  Further,  the  Master  Servicer  shall use its best
        reasonable  efforts to realize  upon any Pledged  Assets for such of the
        Pledged Asset Loans as come into and continue in default and as to which
        no  satisfactory  arrangements  can be made for collection of delinquent
        payments  pursuant to Section 3.07;  provided  that the Master  Servicer
        shall not, on behalf of the  Trustee,  obtain  title to any such Pledged
        Assets  as a  result  of  or in  lieu  of  the  disposition  thereof  or
        otherwise;  and provided  further that (i) the Master Servicer shall not
        proceed  with  respect to such  Pledged  Assets in any manner that would
        impair the ability to recover  against the related  Mortgaged  Property,
        and (ii) the Master Servicer shall proceed with any REO Acquisition in a
        manner that  preserves the ability to apply the proceeds of such Pledged
        Assets  against  amounts owed under the  defaulted  Mortgage  Loan.  Any
        proceeds  realized  from such Pledged  Assets  (other than amounts to be
        released to the Mortgagor or the related  guarantor in  accordance  with
        procedures that the Master Servicer would follow in servicing loans held
        for its own account,  subject to the terms and conditions of the related
        Mortgage  and  Mortgage  Note and to the  terms  and  conditions  of any
        security  agreement,  guarantee  agreement,  mortgage or other agreement
        governing the  disposition of the proceeds of such Pledged Assets) shall
        be deposited in the Custodial Account, subject to withdrawal pursuant to

                                       28
<PAGE>

        Section  3.10.  Any other  payment  received  by the Master  Servicer in
        respect of such  Pledged  Assets  shall be  deposited  in the  Custodial
        Account subject to withdrawal pursuant to Section 3.10.

               Concurrently  with the foregoing,  the Master Servicer may pursue
        any  remedies  that may be available  in  connection  with a breach of a
        representation  and warranty  with respect to any such  Mortgage Loan in
        accordance with Sections 2.03 and 2.04. However,  the Master Servicer is
        not  required  to  continue  to  pursue  both  foreclosure  (or  similar
        remedies)  with respect to the Mortgage Loans and remedies in connection
        with a breach of a  representation  and warranty if the Master  Servicer
        determines  in its  reasonable  discretion  that one such remedy is more
        likely to result in a greater recovery as to the Mortgage Loan. Upon the
        occurrence  of a Cash  Liquidation  or REO  Disposition,  following  the
        deposit in the Custodial Account of all Insurance Proceeds,  Liquidation
        Proceeds and other payments and recoveries referred to in the definition
        of "Cash Liquidation" or "REO Disposition," as applicable,  upon receipt
        by the  Trustee  of written  notification  of such  deposit  signed by a
        Servicing  Officer,  the Trustee or any  Custodian,  as the case may be,
        shall release to the Master  Servicer the related  Mortgage File and the
        Trustee  shall  execute  and  deliver  such  instruments  of transfer or
        assignment  prepared  by the  Master  Servicer,  in  each  case  without
        recourse,  as shall be necessary  to vest in the Master  Servicer or its
        designee,  as the case may be, the related Mortgage Loan, and thereafter
        such Mortgage Loan shall not be part of the Trust Fund.  Notwithstanding
        the foregoing or any other  provision of this  Agreement,  in the Master
        Servicer's sole  discretion with respect to any defaulted  Mortgage Loan
        or REO  Property as to either of the  following  provisions,  (i) a Cash
        Liquidation  or REO  Disposition  may be  deemed  to  have  occurred  if
        substantially all amounts expected by the Master Servicer to be received
        in connection with the related  defaulted  Mortgage Loan or REO Property
        have been received,  and (ii) for purposes of determining  the amount of
        any Liquidation Proceeds,  Insurance Proceeds, REO Proceeds or any other
        unscheduled  collections  or the amount of any Realized Loss, the Master
        Servicer may take into account  minimal  amounts of additional  receipts
        expected to be received or any estimated additional liquidation expenses
        expected  to be  incurred  in  connection  with  the  related  defaulted
        Mortgage Loan or REO Property.

        (b) -(e). (See Section 3.14(b) -(e) of the Standard Terms)

     Section 3.15. Trustee to Cooperate; Release of Mortgage Files. (See Section
          3.15 of the Standard Terms)

     Section 3.16. Servicing and Other Compensation; Compensating Interest. (See
          Section 3.16 of the Standard Terms)

     Section 3.17. Reports to the Trustee and the Company.  (See Section 3.17 of
          the Standard Terms)

     Section 3.18.  Annual Statement as to Compliance.  (See Section 3.18 of the
          Standard Terms)

     Section 3.19. Annual Independent Public Accountants' Servicing Report. (See
          Section 3.19 of the Standard Terms)

                                       29
<PAGE>

     Section 3.20. Rights of the Company in Respect of the Master Servicer. (See
          Section 3.20 of the Standard Terms)

     Section 3.21.  Administration  of Buydown  Funds.  (See Section 3.21 of the
          Standard Terms)

                                       30
<PAGE>

                                   ARTICLE IV

                         PAYMENTS TO CERTIFICATEHOLDERS

Section 4.01...Certificate Account.

        (a) (See Section 4.01(a) of the Standard Terms)

        (b)....The Trustee shall, upon written request from the Master Servicer,
invest or cause the institution  maintaining  the Certificate  Account to invest
the funds in the Certificate Account in Permitted Investments  designated in the
name of the  Trustee  for the  benefit of the  Certificateholders,  which  shall
mature or be payable on demand not later than the  Business  Day next  preceding
the  Distribution  Date next following the date of such investment  (except that
(i) any  investment in the  institution  with which the  Certificate  Account is
maintained may mature or be payable on demand on such Distribution Date and (ii)
any other  investment  may mature or be  payable on demand on such  Distribution
Date  if the  Trustee  shall  advance  funds  on such  Distribution  Date to the
Certificate   Account  in  the  amount  payable  on  such   investment  on  such
Distribution  Date,  pending  receipt  thereof to the extent  necessary  to make
distributions on the Certificates) and shall not be sold or disposed of prior to
maturity. Subject to Section 3.16(e), all income and gain realized from any such
investment  shall be for the benefit of the Master Servicer and shall be subject
to its withdrawal or order from time to time. The amount of any losses  incurred
in respect of any such investments shall be deposited in the Certificate Account
by the Master Servicer out of its own funds  immediately as realized without any
right of  reimbursement.  The Trustee or its Affiliates are permitted to receive
compensation that could be deemed to be in the Trustee's economic  self-interest
for (i) serving as investment  adviser (with respect to investments made through
its  Affiliates),  administrator,  shareholder  servicing  agent,  custodian  or
sub-custodian with respect to certain of the Permitted  Investments,  (ii) using
Affiliates to effect  transactions  in certain  Permitted  Investments and (iii)
effecting transactions in certain Permitted Investments.

(c) On the Closing Date, the Master Servicer shall deposit with the Trustee, and
the Trustee shall cause to be deposited into the Certificate  Account, an amount
equal  to   $471,634.95,   which  amount  will  be  included  in  the  Available
Distribution  Amount for the Mortgage Loans on the first  Distribution  Date and
treated as the  principal  portion  of the  Purchase  Price of a  Mortgage  Loan
purchased in the month of January 2003. On the Certificate  Account Deposit Date
in February  2003, the Master  Servicer shall deposit with the Trustee,  and the
Trustee shall cause to be deposited into the Certificate  Account, an additional
amount  equal to  $2,633.77,  which  amount will be  included  in the  Available
Distribution  Amount for the Mortgage Loans on the first  Distribution  Date and
treated  as the  interest  portion  of the  Purchase  Price of a  Mortgage  Loan
purchased in the month of January 2003.

Section 4.02...Distributions.

(a) On each  Distribution  Date (x) the Master Servicer on behalf of the Trustee
or (y) the Paying Agent appointed by the Trustee,  shall distribute first to the
Certificate  Insurer the  Insurance  Premium and then,  in  accordance  with the
priorities  set  forth  below,  to  the  Master  Servicer,  in  the  case  of  a
distribution  pursuant to Section  4.02(a)(iii) below, the amount required to be

                                       31
<PAGE>

distributed  to the  Master  Servicer  or a  Sub-Servicer  pursuant  to  Section
4.02(a)(iii)  below, to the Certificate  Insurer,  in the case of a distribution
pursuant to Section 4.02(a)(xvi) below, the amount required to be distributed to
the  Certificate  Insurer  pursuant  to  Section   4.02(a)(xvi),   and  to  each
Certificateholder  of record on the next  preceding  Record  Date (other than as
provided  in  Section  9.01  respecting  the  final   distribution)   either  in
immediately  available  funds (by wire  transfer or otherwise) to the account of
such  Certificateholder at a bank or other entity having appropriate  facilities
therefor,  if such  Certificateholder has so notified the Master Servicer or the
Paying  Agent,  as the case may be,  or,  if such  Certificateholder  has not so
notified the Master  Servicer or the Paying  Agent by the Record Date,  by check
mailed to such  Certificateholder at the address of such Holder appearing in the
Certificate  Register  such  Certificateholder's  share  (which  share  (A) with
respect to each Class of Certificates  (other than any Subclass of the Class A-V
Certificates),  shall be  based on the  aggregate  of the  Percentage  Interests
represented by Certificates  of the applicable  Class held by such Holder or (B)
with  respect to any Subclass of the Class A-V  Certificates,  shall be equal to
the amount (if any)  distributed  pursuant to Section  4.02(a)(i)  below to each
Holder of a Subclass thereof) of the following  amounts,  in the following order
of priority  (subject to the provisions of Section 4.02(b),  (c) and (e) below),
in each  case to the  extent of the  Available  Distribution  Amount  remaining,
together with, as to any Retail  Certificate,  any Reserve Fund I Withdrawal and
Reserve Fund II  Withdrawal  pursuant to Section 4.09 of this Series  Supplement
and any Insured Payment pursuant to Section 12.02 of this Series Supplement:

               (i)  to  the  Senior  Certificates  (other  than  the  Class  A-P
        Certificates  and prior to the Accretion  Termination  Date, the Accrual
        Certificates to the extent of the Accrual Distribution Amount), on a pro
        rata  basis  based  on  Accrued  Certificate  Interest  payable  on such
        Certificates with respect to such Distribution Date, Accrued Certificate
        Interest on such Classes of Certificates  (or  Subclasses,  if any, with
        respect to the Class A-V Certificates) for such Distribution  Date, plus
        any  Accrued  Certificate  Interest  thereon  remaining  unpaid from any
        previous  Distribution  Date except as provided in the last paragraph of
        this Section 4.02(a); and

               (ii) (W) to the Class A-P  Certificates,  the Class A-P Principal
        Distribution  Amount  (applied  to  reduce  the  Certificate   Principal
        Balances of such Senior Certificates);

                      (X) to the  Accretion  Directed  Certificates,  until  the
        Certificate Principal Balance of the Accretion Directed Certificates has
        been reduced to zero, the Accrual Distribution Amount; and

                      (Y) to the Senior  Certificates  (other than the Class A-P
        Certificates),  in the  priorities  and  amounts  set  forth in  Section
        4.02(b)  and  (c),  the sum of the  following  (applied  to  reduce  the
        Certificate   Principal  Balances  of  such  Senior   Certificates,   as
        applicable):

(A) the  Senior  Percentage  for such  Distribution  Date  times  the sum of the
following:

     (1)  the principal  portion of each Monthly  Payment due during the related
          Due Period on each  Outstanding  Mortgage Loan (other than the related
          Discount  Fraction  of the  principal  portion  of such  payment  with

                                       32
<PAGE>

          respect to a Discount  Mortgage  Loan),  whether or not received on or
          prior to the related  Determination  Date, minus the principal portion
          of any  Debt  Service  Reduction  (other  than  the  related  Discount
          Fraction of the principal portion of such Debt Service Reductions with
          respect to each  Discount  Mortgage  Loan) which  together  with other
          Bankruptcy Losses exceeds the Bankruptcy Amount;

     (2)  the Stated Principal  Balance of any Mortgage Loan repurchased  during
          the preceding calendar month (or deemed to have been so repurchased in
          accordance with Section 3.07(b))  pursuant to Section 2.02, 2.03, 2.04
          or 4.07 and the amount of any  shortfall  deposited  in the  Custodial
          Account in connection with the substitution of a Deleted Mortgage Loan
          pursuant to Section 2.03 or 2.04 during the preceding  calendar  month
          (other than the  related  Discount  Fraction of such Stated  Principal
          Balance or shortfall with respect to each Discount Mortgage Loan); and

     (3)  the principal portion of all other unscheduled collections (other than
          Principal Prepayments in Full and Curtailments and amounts received in
          connection  with a Cash  Liquidation or REO  Disposition of a Mortgage
          Loan described in Section 4.02(a)(ii)(Y)(B) of this Series Supplement,
          including without limitation Insurance Proceeds,  Liquidation Proceeds
          and REO Proceeds),  including Subsequent  Recoveries,  received during
          the  preceding  calendar  month (or deemed to have been so received in
          accordance  with Section  3.07(b) of the Standard Terms) to the extent
          applied by the Master  Servicer  as  recoveries  of  principal  of the
          related  Mortgage Loan pursuant to Section 3.14 of the Standard  Terms
          (other than the related Discount  Fraction of the principal portion of
          such unscheduled  collections,  with respect to each Discount Mortgage
          Loan);

     (B) with respect to each  Mortgage Loan for which a Cash  Liquidation  or a
REO Disposition  occurred during the preceding  calendar month (or was deemed to
have  occurred  during such period in  accordance  with  Section  3.07(b) of the
Standard  Terms) and did not result in any Excess Special Hazard Losses,  Excess
Fraud Losses,  Excess Bankruptcy Losses or Extraordinary Losses, an amount equal
to the lesser of (a) the Senior  Percentage for such Distribution Date times the
Stated Principal  Balance of such Mortgage Loan (other than the related Discount
Fraction  of such  Stated  Principal  Balance,  with  respect  to each  Discount
Mortgage Loan) and (b) the Senior Accelerated  Distribution  Percentage for such
Distribution Date times the related unscheduled  collections  (including without
limitation  Insurance  Proceeds,  Liquidation  Proceeds and REO Proceeds) to the
extent applied by the Master  Servicer as recoveries of principal of the related
Mortgage Loan pursuant to Section 3.14 of the Standard Terms (in each case other
than the portion of such  unscheduled  collections,  with  respect to a Discount
Mortgage Loan, included in Section 4.02(b)(i)(C) of this Series Supplement);

                                       33
<PAGE>

     (C) the Senior  Accelerated  Distribution  Percentage for such Distribution
Date times the  aggregate of all Principal  Prepayments  in Full received in the
related  Prepayment Period and Curtailments  received in the preceding  calendar
month (other than the related Discount Fraction of such Principal Prepayments in
Full and Curtailments, with respect to each Discount Mortgage Loan);

     (D) any Excess Subordinate Principal Amount for such Distribution Date; and

     (E) any amounts described in subsection  (ii)(Y),  clauses (A), (B) and (C)
of this Section 4.02(a), as determined for any previous Distribution Date, which
remain unpaid after application of amounts  previously  distributed  pursuant to
this clause (E) to the extent that such amounts are not attributable to Realized
Losses which have been allocated to the Subordinate Certificates;

               (iii) if the  Certificate  Principal  Balances of the Subordinate
        Certificates  have not been reduced to zero, to the Master Servicer or a
        Sub-Servicer,  by remitting for deposit to the Custodial Account, to the
        extent of and in reimbursement for any Advances or Sub-Servicer Advances
        previously  made with respect to any Mortgage Loan or REO Property which
        remain  unreimbursed in whole or in part following the Cash  Liquidation
        or REO Disposition of such Mortgage Loan or REO Property, minus any such
        Advances that were made with respect to  delinquencies  that  ultimately
        constituted  Excess Special Hazard Losses,  Excess Fraud Losses,  Excess
        Bankruptcy Losses or Extraordinary Losses;

               (iv) to the  Holders of the Class M-1  Certificates,  the Accrued
        Certificate  Interest  thereon  for  such  Distribution  Date,  plus any
        Accrued Certificate  Interest thereon remaining unpaid from any previous
        Distribution Date, except as provided below;

               (v) to the Holders of the Class M-1 Certificates, an amount equal
        to (x) the Subordinate  Principal  Distribution Amount for such Class of
        Certificates  for such  Distribution  Date,  minus (y) the amount of any
        Class A-P Collection  Shortfalls for such Distribution Date or remaining
        unpaid for all previous  Distribution  Dates,  to the extent the amounts
        available pursuant to clause (x) of Sections  4.02(a)(vii),  (ix), (xi),
        (xiii),  (xiv)  and  (xv) of this  Series  Supplement  are  insufficient
        therefor,  applied in reduction of the Certificate  Principal Balance of
        the Class M-1 Certificates;

               (vi) to the  Holders of the Class M-2  Certificates,  the Accrued
        Certificate  Interest  thereon  for  such  Distribution  Date,  plus any
        Accrued Certificate  Interest thereon remaining unpaid from any previous
        Distribution Date, except as provided below;

               (vii) to the  Holders  of the Class M-2  Certificates,  an amount
        equal to (x) the  Subordinate  Principal  Distribution  Amount  for such
        Class of Certificates for such  Distribution  Date, minus (y) the amount
        of any Class A-P  Collection  Shortfalls for such  Distribution  Date or

                                       34
<PAGE>

        remaining unpaid for all previous  Distribution Dates, to the extent the
        amounts available pursuant to clause (x) of Sections 4.02(a) (ix), (xi),
        (xiii), (xiv) and (xv) are insufficient  therefor,  applied in reduction
        of the Certificate Principal Balance of the Class M-2 Certificates;

               (viii) to the Holders of the Class M-3 Certificates,  the Accrued
        Certificate  Interest  thereon  for  such  Distribution  Date,  plus any
        Accrued Certificate  Interest thereon remaining unpaid from any previous
        Distribution Date, except as provided below;

               (ix) to the  Holders  of the  Class M-3  Certificates,  an amount
        equal to (x) the  Subordinate  Principal  Distribution  Amount  for such
        Class of Certificates for such Distribution Date minus (y) the amount of
        any  Class  A-P  Collection  Shortfalls  for such  Distribution  Date or
        remaining unpaid for all previous  Distribution Dates, to the extent the
        amounts  available  pursuant  to  clause  (x) of  Sections  4.02(a)(xi),
        (xiii), (xiv) and (xv) are insufficient  therefor,  applied in reduction
        of the Certificate Principal Balance of the Class M-3 Certificates;

               (x) to the  Holders of the Class B-1  Certificates,  the  Accrued
        Certificate  Interest  thereon  for  such  Distribution  Date,  plus any
        Accrued Certificate  Interest thereon remaining unpaid from any previous
        Distribution Date, except as provided below;

               (xi) to the  Holders  of the  Class B-1  Certificates,  an amount
        equal to (x) the  Subordinate  Principal  Distribution  Amount  for such
        Class of Certificates for such Distribution Date minus (y) the amount of
        any  Class  A-P  Collection  Shortfalls  for such  Distribution  Date or
        remaining unpaid for all previous  Distribution Dates, to the extent the
        amounts  available  pursuant  to clause (x) of  Sections  4.02(a)(xiii),
        (xiv) and (xv) are  insufficient  therefor,  applied in reduction of the
        Certificate Principal Balance of the Class B-1 Certificates;

               (xii) to the Holders of the Class B-2  Certificates,  the Accrued
        Certificate  Interest  thereon  for  such  Distribution  Date,  plus any
        Accrued Certificate  Interest thereon remaining unpaid from any previous
        Distribution Date, except as provided below;

               (xiii) to the  Holders of the Class B-2  Certificates,  an amount
        equal to (x) the  Subordinate  Principal  Distribution  Amount  for such
        Class of Certificates for such Distribution Date minus (y) the amount of
        any  Class  A-P  Collection  Shortfalls  for such  Distribution  Date or
        remaining unpaid for all previous  Distribution Dates, to the extent the
        amounts  available  pursuant to clause (x) of Sections  4.02(a)(xiv) and
        (xv) are insufficient therefor,  applied in reduction of the Certificate
        Principal Balance of the Class B-2 Certificates;

               (xiv) to the  Holders  of the Class B-3  Certificates,  an amount
        equal  to  (x)  the  Accrued  Certificate   Interest  thereon  for  such
        Distribution  Date,  plus  any  Accrued  Certificate   Interest  thereon
        remaining unpaid from any previous Distribution Date, except as provided
        below,  minus (y) the amount of any Class A-P Collection  Shortfalls for
        such Distribution Date or remaining unpaid for all previous Distribution
        Dates,  to the extent the  amounts  available  pursuant to clause (x) of
        Section 4.02(a)(xv) are insufficient therefor;

                                       35
<PAGE>

               (xv) to the  Holders  of the  Class B-3  Certificates,  an amount
        equal to (x) the  Subordinate  Principal  Distribution  Amount  for such
        Class of Certificates for such Distribution Date minus (y) the amount of
        any  Class  A-P  Collection  Shortfalls  for such  Distribution  Date or
        remaining  unpaid  for  all  previous   Distribution  Dates  applied  in
        reduction  of  the  Certificate  Principal  Balance  of  the  Class  B-3
        Certificates;

               (xvi) to the  Certificate  Insurer,  as  subrogee  of the  Retail
        Certificateholders,  an amount  necessary to reimburse  the  Certificate
        Insurer for claims paid under the Certificate  Policy,  to the extent of
        Cumulative Insurance Payments on the Retail Certificates;

               (xvii)  to  the  Senior  Certificates,  on a pro  rata  basis  in
        accordance  with  their  respective  outstanding  Certificate  Principal
        Balances,  the portion,  if any, of the  Available  Distribution  Amount
        remaining  after the  foregoing  distributions,  together  with Rounding
        Account withdrawals with respect to the Retail Certificates,  applied to
        reduce the Certificate  Principal Balances of such Senior  Certificates,
        but in no event more than the aggregate of the  outstanding  Certificate
        Principal  Balances  of each  such  Class of  Senior  Certificates,  and
        thereafter,  to each Class of Subordinate  Certificates then outstanding
        beginning with such Class with the Highest Priority,  any portion of the
        Available  Distribution  Amount remaining after the Senior  Certificates
        have been retired,  applied to reduce the Certificate  Principal Balance
        of each such  Class of  Subordinate  Certificates,  but in no event more
        than the outstanding Certificate Principal Balance of each such Class of
        Subordinate Certificates; and

               (xviii)to the Class R-I Certificates, the balance, if any, of the
        Available Distribution Amount.

        Notwithstanding the foregoing, on any Distribution Date, with respect to
the Class of Subordinate Certificates outstanding on such Distribution Date with
the Lowest Priority, or in the event the Subordinate  Certificates are no longer
outstanding,  the Senior  Certificates,  Accrued  Certificate  Interest  thereon
remaining unpaid from any previous  Distribution Date will be distributable only
to the extent that such unpaid Accrued Certificate  Interest was attributable to
interest  shortfalls  relating to the failure of the Master Servicer to make any
required Advance,  or the determination by the Master Servicer that any proposed
Advance would be a  Nonrecoverable  Advance with respect to the related Mortgage
Loan where such Mortgage Loan has not yet been the subject of a Cash Liquidation
or REO Disposition or the related Liquidation  Proceeds,  Insurance Proceeds and
REO Proceeds have not yet been distributed to the Certificateholders.

     (b)  Distributions  of  principal  on  the  Senior   Certificates  on  each
Distribution  Date occurring prior to the Credit Support  Depletion Date will be
made as follows:

     (i)  first, to the Class A-P Certificates,  until the Certificate Principal
          Balance  thereof  is  reduced  to zero,  an  amount  (the  "Class  A-P
          Principal Distribution Amount") equal to the aggregate of:

     (A)  the related Discount Fraction of the principal portion of each Monthly

                                       36
<PAGE>

          Payment on each  Discount  Mortgage  Loan due during the  related  Due
          Period,   whether  or  not   received  on  or  prior  to  the  related
          Determination  Date,  minus the  Discount  Fraction  of the  principal
          portion of any related  Debt Service  Reduction  which  together  with
          other Bankruptcy Losses exceeds the Bankruptcy Amount;

     (B)  the  related  Discount  Fraction  of  the  principal  portion  of  all
          unscheduled collections on each Discount Mortgage Loan received during
          the preceding calendar month or, in the case of Principal  Prepayments
          in Full,  during the related  Prepayment  Period  (other than  amounts
          received in connection with a Cash Liquidation or REO Disposition of a
          Discount  Mortgage  Loan  described  in clause (C)  below),  including
          Principal Prepayments in Full, Curtailments, Subsequent Recoveries and
          repurchases (including deemed repurchases under Section 3.07(b) of the
          Standard  Terms) of  Discount  Mortgage  Loans  (or,  in the case of a
          substitution of a Deleted Mortgage Loan, the Discount  Fraction of the
          amount  of  any  shortfall  deposited  in  the  Custodial  Account  in
          connection with such substitution);

     (C)  in  connection  with  the Cash  Liquidation  or REO  Disposition  of a
          Discount  Mortgage  Loan  that did not  result in any  Excess  Special
          Hazard  Losses,  Excess  Fraud  Losses,  Excess  Bankruptcy  Losses or
          Extraordinary  Losses,  an  amount  equal  to the  lesser  of (1)  the
          applicable  Discount  Fraction of the Stated Principal Balance of such
          Discount Mortgage Loan immediately prior to such Distribution Date and
          (2) the aggregate  amount of the  collections on such Mortgage Loan to
          the extent applied as recoveries of principal;

     (D)  any amounts allocable to principal for any previous  Distribution Date
          (calculated  pursuant  to clauses  (A)  through (C) above) that remain
          undistributed; and

     (E)  the  amount  of  any  Class  A-P   Collection   Shortfalls   for  such
          Distribution   Date  and  the  amount  of  any  Class  A-P  Collection
          Shortfalls  remaining unpaid for all previous  Distribution Dates, but
          only to the extent of the Eligible Funds for such  Distribution  Date;
          and

     (ii) second,  an amount equal to the Accrual  Distribution  Amount shall be
distributed   sequentially  to  the  Class  A-11  Certificates  and  Class  A-12
Certificates,  in that order, until the aggregate  Certificate Principal Balance
of the Class A-11  Certificates and Class A-12  Certificates has been reduced to
the Aggregate Targeted Principal Balance for such Distribution Date;

     (iii) the Senior Principal  Distribution Amount shall be distributed in the
following manner and priority:

          (A) first,  concurrently to the Class R-I  Certificates and Class R-II
     Certificates,  on a pro rata  basis in  accordance  with  their  respective
     Certificate  Principal Balances,  until the Certificate  Principal Balances
     thereof have been reduced to zero; and

                                       37
<PAGE>

          (B) second, the Senior Principal  Distribution  Amount remaining after
     the distributions made pursuant to Section  4.02(b)(iii)(A)  above shall be
     distributed concurrently, as follows:

     (1)  90.90909107099%  of the amount  described  in Section  4.02(b)(iii)(B)
          above in the following manner and priority:

          (a) on or after the Distribution Date in February 2006, $21,000 to the
     Class A-8  Certificates,  until the  Certificate  Principal  Balance of the
     Class A-8 Certificates has been reduced to zero; and

          (b) after the distribution described in Section  4.02(b)(iii)(B)(1)(a)
     above, concurrently as follows:

               (i)   54.28398965686%   of  the  amount   described   in  Section
          4.02(b)(iii)(B)(1)(b)  above, shall be distributed concurrently to the
          Class A-1, Class A-2, Class A-3 and Class A-9  Certificates,  on a pro
          rata basis in accordance with their respective  Certificate  Principal
          Balances,  until the Certificate  Principal Balances of the Class A-1,
          Class A-2, Class A-3 and Class A-9  Certificates  have been reduced to
          zero; and

               (ii)   45.71601034314%   of  the  amount   described  in  Section
          4.02(b)(iii)(B)(1)(b)  above,  shall be  distributed  sequentially  as
          follows:

                    (1)  first,  to the  Class  A-4  Certificates  and Class A-6
               Certificates,  on a pro  rata  basis  in  accordance  with  their
               respective  Certificate  Principal Balances,  until the aggregate
               Certificate  Principal Balances of the Class A-4 Certificates and
               Class A-6 Certificates has been reduced to the Aggregate  Planned
               Principal Balance for such Distribution Date;

                    (2) second,  sequentially to the Class A-11 Certificates and
               Class  A-12  Certificates,  in that  order,  until the  aggregate
               Certificate  Principal Balance of the Class A-11 Certificates and
               Class  A-12   Certificates,   after   taking  into   account  any
               distributions  of  the  Accrual  Distribution  Amount,  has  been
               reduced to the  Aggregate  Targeted  Principal  Balance  for such
               Distribution Date;

                    (3) third,  sequentially  to the Class  A-7,  Class A-11 and
               Class A-12  Certificates,  in that order,  without  regard to the
               Aggregate   Targeted   Principal   Balance   of  the  Class  A-11

                                       38
<PAGE>

               Certificates and Class A-12  Certificates  for that  Distribution
               Date, until the Certificate  Principal Balances of the Class A-7,
               Class A-11 and Class A-12 Certificates have been reduced to zero;
               and

                    (4) fourth,  concurrently to the Class A-4  Certificates and
               Class A-6  Certificates,  on a pro rata basis in accordance  with
               their respective  Certificate Principal Balances,  without regard
               to  their   Aggregate   Planned   Principal   Balance   for  that
               Distribution  Date,  until  the  Certificate  Principal  Balances
               thereof have been reduced to zero; and

          (c)    after    the     distributions     described     in    Sections
     4.02(b)(iii)(B)(1)(a)  and  4.02(b)(iii)(B)(1)(b)  above,  to the Class A-8
     Certificates,  until the  Certificate  Principal  Balance  of the Class A-8
     Certificates has been reduced to zero; and

     (2) 9.09090892901% of the amount described in Section 4.02(b)(iii)(B) above
to the Class A-13 Certificates,  until the Certificate  Principal Balance of the
Class A-13 Certificates has been reduced to zero.

(c)                   On  or  after  the  Credit  Support  Depletion  Date,  all
                      priorities  relating  to  distributions  as  described  in
                      Section  4.02(b)  above in respect of principal  among the
                      various  classes of Senior  Certificates  (other  than the
                      Class A-P  Certificates)  will be disregarded,  and (i) an
                      amount  equal to the  Discount  Fraction of the  principal
                      portion of scheduled payments and unscheduled  collections
                      received or advanced in respect of the  Discount  Mortgage
                      Loans will be distributed  to the Class A-P  Certificates,
                      (ii) the  Senior  Principal  Distribution  Amount  will be
                      distributed to the remaining  Senior  Certificates  (other
                      than the Class A-P  Certificates)  pro rata in  accordance
                      with their respective  outstanding  Certificate  Principal
                      Balances  and  (iii)  the  amount  set  forth  in  Section
                      4.02(a)(i) will be distributed as set forth therein.

(d)                   After the reduction of the Certificate  Principal Balances
                      of the  Senior  Certificates  (other  than the  Class  A-P
                      Certificates)  to zero  but  prior to the  Credit  Support
                      Depletion  Date, the Senior  Certificates  (other than the
                      Class A-P  Certificates)  will be  entitled  to no further
                      distributions  of  principal  thereon  and  the  Available
                      Distribution  Amount will be paid solely to the holders of
                      the Class A-P, Class A-V and Subordinate Certificates,  in
                      each case as described herein.

(e)                   In addition to the foregoing  distributions,  with respect
                      to any Subsequent  Recoveries,  the Master  Servicer shall
                      deposit such funds into the Custodial  Account pursuant to
                      Section  3.07(b)(iii).  If, after taking into account such
                      Subsequent  Recoveries,  the amount of a Realized  Loss is
                      reduced, the amount of such Subsequent  Recoveries will be
                      applied to increase the Certificate  Principal  Balance of
                      the Class of Subordinate  Certificates  with a Certificate
                      Principal  Balance  greater  than  zero  with the  highest
                      payment  priority  to which  Realized  Losses,  other than
                      Excess  Bankruptcy  Losses,  Excess Fraud  Losses,  Excess
                      Special Hazard Losses and Extraordinary  Losses, have been

                                       39
<PAGE>

                      allocated,  but not by more than the  amount  of  Realized
                      Losses previously  allocated to that Class of Certificates
                      pursuant  to Section  4.05.  The  amount of any  remaining
                      Subsequent  Recoveries  will be applied to  increase  from
                      zero the  Certificate  Principal  Balance  of the Class of
                      Certificates with the next lower payment  priority,  up to
                      the amount of Realized Losses previously allocated to that
                      Class  of  Certificates  pursuant  to  Section  4.05.  Any
                      remaining Subsequent Recoveries will in turn be applied to
                      increase from zero the  Certificate  Principal  Balance of
                      the  Class of  Certificates  with the next  lower  payment
                      priority  up to the amount of Realized  Losses  previously
                      allocated  to  that  Class  of  Certificates  pursuant  to
                      Section 4.05, and so on. Holders of such Certificates will
                      not be  entitled  to any  payment  in  respect  of Accrued
                      Certificate  Interest on the amount of such  increases for
                      any Interest Accrual Period preceding the Interest Accrual
                      Period that relates to the Distribution Date on which such
                      increase  occurs.  Any such increases  shall be applied to
                      the Certificate  Principal  Balance of each Certificate of
                      such Class in accordance  with its  respective  Percentage
                      Interest.

(f)                   Each distribution with respect to a Book-Entry Certificate
                      shall be paid to the Depository,  as Holder  thereof,  and
                      the Depository  shall be solely  responsible for crediting
                      the amount of such  distribution  to the  accounts  of its
                      Depository  Participants  in  accordance  with its  normal
                      procedures.   Each   Depository   Participant   shall   be
                      responsible  for  disbursing  such   distribution  to  the
                      Certificate Owners that it represents and to each indirect
                      participating  brokerage  firm (a  "brokerage  firm")  for
                      which  it acts as  agent.  Each  brokerage  firm  shall be
                      responsible for disbursing funds to the Certificate Owners
                      that it represents.  None of the Trustee,  the Certificate
                      Registrar,  the Company or the Master  Servicer shall have
                      any responsibility therefor.

(g)                   Except as  otherwise  provided  in  Section  9.01,  if the
                      Master Servicer anticipates that a final distribution with
                      respect to any Class of  Certificates  will be made on the
                      next  Distribution  Date, the Master  Servicer  shall,  no
                      later  than the  Determination  Date in the  month of such
                      final  distribution,  notify the  Trustee  and the Trustee
                      shall,  no later  than two (2)  Business  Days  after such
                      Determination  Date,  mail on such date to each  Holder of
                      such Class of  Certificates  a notice to the effect  that:
                      (i) the Trustee  anticipates  that the final  distribution
                      with respect to such Class of Certificates will be made on
                      such  Distribution  Date but only  upon  presentation  and
                      surrender  of  such  Certificates  at  the  office  of the
                      Trustee or as  otherwise  specified  therein,  and (ii) no
                      interest shall accrue on such  Certificates from and after
                      the end of the related  Interest  Accrual  Period.  In the
                      event that Certificateholders  required to surrender their
                      Certificates  pursuant to Section 9.01(c) do not surrender
                      their  Certificates  for final  cancellation,  the Trustee
                      shall  cause  funds  distributable  with  respect  to such
                      Certificates to be withdrawn from the Certificate  Account
                      and credited to a separate  escrow account for the benefit
                      of such Certificateholders as provided in Section 9.01(d).

(h)                   Notwithstanding  the priorities  relating to distributions
                      of  principal  to the  holders of the Retail  Certificates
                      described above, on any Distribution  Date,  distributions
                      in respect of principal on the Retail Certificates will be
                      allocated  among  the  Certificate  Owners  of the  Retail
                      Certificates  as  set  forth  in  Section  4.10.  On  each
                      Distribution  Date on  which  amounts  are  available  for
                      distributions  in reduction of the  Certificate  Principal
                      Balance of the Retail  Certificates,  the aggregate amount
                      available for such distributions will be rounded upward by
                      the Rounding Amount. Such rounding will be accomplished on
                      the  first  Distribution  Date on which  distributions  in
                      reduction  of the  Certificate  Principal  Balance  of the
                      Retail  Certificates  are  made by  withdrawing  from  the
                      Rounding  Account the Rounding Amount for deposit into the

                                       40
<PAGE>

                      Certificate  Account,  and such  Rounding  Amount  will be
                      added to the amount that is available for distributions in
                      reduction  of the  Certificate  Principal  Balance  of the
                      Retail Certificates.  On each succeeding Distribution Date
                      on which  distributions  in reduction  of the  Certificate
                      Principal  Balance  of the Retail  Certificates  are made,
                      first,  the aggregate amount available for distribution in
                      reduction  of the  Certificate  Principal  Balance  of the
                      Retail  Certificates will be applied to repay the Rounding
                      Amount  withdrawn  from the Rounding  Account on the prior
                      Distribution   Date  and  then,   the  remainder  of  such
                      allocable amount, if any, will be similarly rounded upward
                      through another  withdrawal from the Rounding  Account and
                      such  determined  Rounding  Amount  will be  added  to the
                      amount that is available for distributions in reduction of
                      the   Certificate   Principal   Balance   of  the   Retail
                      Certificates.  Any funds remaining in the Rounding Account
                      after the  Certificate  Principal  Balance  of the  Retail
                      Certificates  is reduced to zero shall be  distributed  to
                      the Class R Certificateholders.

(i)                   On  each   Distribution   Date   preceding  the  Accretion
                      Termination Date, Accrued Certificate  Interest that would
                      otherwise be distributed to the Accrual  Certificates will
                      be  added  to the  Certificate  Principal  Balance  of the
                      Accrual  Certificates  and  such  amount  will  thereafter
                      accrue  interest  at a rate of  5.75%  per  annum.  On the
                      Accretion   Termination  Date,  the  Accrued   Certificate
                      Interest on the Accrual Certificates for such date will be
                      payable  to  the   holders  of  the   Accretion   Directed
                      Certificates  as a distribution  of principal  pursuant to
                      Section   4.02(b)(ii)  until  the  Certificate   Principal
                      Balances  thereof  have  been  reduced  to zero,  any such
                      amount will be added to the Certificate  Principal Balance
                      of the Accrual  Certificates,  and any remaining amount of
                      Accrued  Certificate  Interest will be paid to the holders
                      of the Accrual  Certificates as a distribution of interest
                      and will not be added to the Certificate Principal Balance
                      thereof;  provided,  however, if the Accretion Termination
                      Date is the  Credit  Support  Depletion  Date,  the entire
                      amount of  Accrued  Certificate  Interest  on the  Accrual
                      Certificates  for such date will be payable to the holders
                      of the Accrual  Certificates as a distribution of interest
                      and will not be added to the Certificate Principal Balance
                      thereof.

Section 4.03.  Statements to Certificateholders; Exchange Act Reporting.

        (a) - (d). (See Section 4.03(a) - (d) of the Standard Terms).

        (e) The Master Servicer shall, on behalf of the Depositor and in respect
of the Trust Fund,  sign and cause to be filed with the  Commission any periodic
reports  required to be filed under the  provisions of the Exchange Act, and the
rules and  regulations  of the  Commission  thereunder.  In connection  with the
preparation  and filing of such  periodic  reports,  the  Trustee  shall  timely
provide to the Master Servicer (I) a list of  Certificateholders as shown on the
Certificate  Register as of the end of each  calendar  year,  (II) copies of all
pleadings,  other legal process and any other documents  relating to any claims,
charges or complaints involving the Trustee, as trustee hereunder,  or the Trust
Fund that are received by the Trustee,  (III) notice of all matters that, to the
actual knowledge of a Responsible Officer of the Trustee, have been submitted to
a vote of the  Certificateholders,  other  than  those  matters  that  have been
submitted to a vote of the Certificateholders at the request of the Depositor or
the Master  Servicer,  and (IV) notice of any failure of the Trustee to make any
distribution  to the  Certificateholders  as  required  pursuant  to this Series
Supplement. Neither the Master Servicer nor the Trustee shall have any liability
with respect to the Master  Servicer's  failure to properly prepare or file such

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<PAGE>

periodic reports resulting from or relating to the Master  Servicer's  inability
or failure to obtain any  information  not resulting from the Master  Servicer's
own negligence or willful misconduct. Any Form 10-K filed with the Commission in
connection  with this Section 4.03(e) shall include a  certification,  signed by
the senior officer in charge of the servicing  functions of the Master Servicer,
in the form  attached  as  Exhibit  Seven  hereto or such  other  form as may be
required or  permitted by the  Commission  (the "Form 10-K  Certification"),  in
compliance  with  Rules  13a-14  and  15d-14  under  the  Exchange  Act  and any
additional  directives  of the  Commission.  In  connection  with the Form  10-K
Certification,  the Trustee  shall  provide the Master  Servicer  with a back-up
certification  substantially in the form attached hereto as Exhibit Eight.  This
Section  4.03(e) may be amended in accordance  with this  Agreement  without the
consent of the Certificateholders.

Section 4.04.  Distribution of Reports to the Trustee and the Company;  Advances
by the Master Servicer.

        (a) Prior to the close of business on the Determination Date, the Master
Servicer  shall  furnish a written  statement  to the Trustee,  the  Certificate
Insurer,  any Paying Agent and the Company (the information in such statement to
be made  available  to  Certificateholders  by the Master  Servicer  on request)
setting forth (i) the Available  Distribution  Amount, (ii) the amounts required
to be withdrawn from the Custodial  Account,  Reserve Fund I, Reserve Fund II or
the  Rounding  Account  and  deposited  into  the  Certificate  Account  on  the
immediately  succeeding  Certificate  Account Deposit Date,  (iii) the amount of
Cumulative  Insurance  Payments  as of such  Determination  Date,  and  (iv) the
amounts required to be deposited into the Rounding Account;  provided,  however,
that the  Master  Servicer  shall  provide  to the  Trustee a written  statement
setting  forth  the  portion  of  the  Senior  Principal   Distribution   Amount
distributable to the Retail  Certificates on any Distribution Date no later than
12:00  Noon  New  York  time on the  Business  Day  immediately  preceding  each
Determination  Date to enable the Trustee to notify the  Certificate  Insurer in
accordance with Section 12.02.

        The  determination  by the Master Servicer of such amounts shall, in the
absence of obvious error, be presumptively deemed to be correct for all purposes
hereunder  and the Trustee  shall be  protected in relying upon the same without
any independent check or verification.

        (b) (See Section 4.04(b) of the Standard Terms)

Section 4.05.  Allocation of Realized Losses.

        Prior to each Distribution Date, the Master Servicer shall determine the
total  amount  of  Realized  Losses,   if  any,  that  resulted  from  any  Cash
Liquidation, Servicing Modification, Debt Service Reduction, Deficient Valuation
or REO Disposition that occurred during the related Prepayment Period or, in the
case of a Servicing  Modification  that  constitutes a reduction of the interest
rate on a Mortgage Loan, the amount of the reduction in the interest  portion of
the  Monthly  Payment  due during the  related  Due  Period.  The amount of each
Realized  Loss shall be  evidenced  by an  Officers'  Certificate.  All Realized
Losses, other than Excess Special Hazard Losses,  Extraordinary  Losses,  Excess
Bankruptcy Losses or Excess Fraud Losses, shall be allocated as follows:  first,
to the Class B-3 Certificates,  until the Certificate  Principal Balance thereof
has been  reduced  to zero;  second,  to the  Class B-2  Certificates  until the

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<PAGE>

Certificate  Principal  Balance thereof has been reduced to zero;  third, to the
Class B-1 Certificates until the Certificate  Principal Balance thereof has been
reduced to zero;  fourth,  to the Class M-3  Certificates  until the Certificate
Principal  Balance  thereof has been  reduced to zero;  fifth,  to the Class M-2
Certificates until the Certificate Principal Balance thereof has been reduced to
zero;  sixth,  to the Class M-1  Certificates  until the  Certificate  Principal
Balance thereof has been reduced to zero; and, thereafter,  if any such Realized
Losses are on a Discount  Mortgage  Loan,  to the Class A-P  Certificates  in an
amount equal to the Discount Fraction of the principal portion thereof,  and the
remainder of such Realized Losses on the Discount  Mortgage Loans and the entire
amount of such Realized Losses on Non-Discount  Mortgage Loans will be allocated
among all Senior  Certificates  (other than the Class A-P Certificates) on a pro
rata basis,  as described  below.  The principal  portion of any Excess  Special
Hazard Losses,  Excess Bankruptcy Losses,  Excess Fraud Losses and Extraordinary
Losses  on  Discount   Mortgage  Loans  will  be  allocated  to  the  Class  A-P
Certificates  in an  amount  equal  to the  Discount  Fraction  thereof  and the
remainder of the principal  portion of such Realized Losses on Discount Mortgage
Loans and the entire amount of such  Realized  Losses on  Non-Discount  Mortgage
Loans will be allocated among the Senior  Certificates (other than the Class A-P
Certificates)  and Subordinate  Certificates,  on a pro rata basis, as described
below.  The  interest  portion  of any  Excess  Special  Hazard  Losses,  Excess
Bankruptcy  Losses,  Excess  Fraud  Losses  and  Extraordinary  Losses  will  be
allocated to all the Certificates on a pro rata basis.

        As used herein,  an  allocation of a Realized Loss on a "pro rata basis"
among two or more specified Classes of Certificates means an allocation on a pro
rata  basis,  among the  various  Classes  so  specified,  to each such Class of
Certificates,  on the  basis of their  then  outstanding  Certificate  Principal
Balances prior to giving effect to distributions to be made on such Distribution
Date in the case of the  principal  portion of a  Realized  Loss or based on the
Accrued Certificate  Interest thereon payable on such Distribution Date (without
regard to any Compensating  Interest for such Distribution  Date) in the case of
an interest  portion of a Realized  Loss.  Except as  provided in the  following
sentence, any allocation of the principal portion of Realized Losses (other than
Debt Service  Reductions) to a Class of  Certificates  shall be made by reducing
the  Certificate  Principal  Balance  thereof by the amount so allocated,  which
allocation shall be deemed to have occurred on such Distribution Date;  provided
that the Certificate  Principal Balance of the Accrual Certificates for purposes
of this  Section  4.05  shall be the  lesser  of (a) the  Certificate  Principal
Balance of Accrual  Certificates as of the Closing Date, and (b) the Certificate
Principal  Balance of the Accrual  Certificates as of the date of determination.
Any  allocation  of the  principal  portion of Realized  Losses (other than Debt
Service  Reductions) to the Subordinate  Certificates  then outstanding with the
Lowest  Priority  shall be made by operation of the  definition of  "Certificate
Principal  Balance"  and by  operation  of the  provisions  of Section  4.02(a).
Allocations  of the  interest  portions  of  Realized  Losses  shall  be made in
proportion to the amount of Accrued Certificate Interest and by operation of the

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<PAGE>

definition of "Accrued Certificate  Interest" and by operation of the provisions
of  Section  4.02(a).  Allocations  of the  principal  portion  of Debt  Service
Reductions shall be made by operation of the provisions of Section 4.02(a).  All
Realized  Losses  and all  other  losses  allocated  to a Class of  Certificates
hereunder will be allocated  among the  Certificates of such Class in proportion
to the Percentage  Interests evidenced thereby;  provided that if any Subclasses
of the Class A-V Certificates have been issued pursuant to Section 5.01(c), such
Realized Losses and other losses allocated to the Class A-V  Certificates  shall
be allocated  among such  Subclasses in proportion to the respective  amounts of
Accrued  Certificate  Interest payable on such Distribution Date that would have
resulted absent such reductions.

     Section  4.06.   Reports  of  Foreclosures  and  Abandonment  of  Mortgaged
          Property. (See Section 4.06 of the Standard Terms)

     Section 4.07.  Optional Purchase of Defaulted  Mortgage Loans. (See Section
          4.07 of the Standard Terms)

     Section 4.08. Surety Bond. (See Section 4.08 of the Standard Terms)

     Section 4.09. Reserve Funds.

        No later than the Closing Date,  the Trustee will establish and maintain
Reserve Fund I and Reserve  Fund II. On the Closing Date the Senior  Underwriter
shall deposit with the Trustee,  and the Trustee shall deposit into Reserve Fund
I, cash in an  amount  equal to the  Reserve  Fund I Deposit  and  deposit  into
Reserve Fund II, cash in an amount equal to the Reserve Fund II Deposit.

        The  Master  Servicer  shall  direct  the  Trustee  in  writing  on each
Distribution  Date to withdraw  amounts on deposit in Reserve Fund I for deposit
into  the  Certificate  Account,  and  to  pay to  the  holders  of  any  Retail
Certificates  pursuant to Section  4.02(a),  the amount of  Prepayment  Interest
Shortfalls  otherwise  allocable  to any  Retail  Certificates  pursuant  to the
definition  of  Accrued  Certificate  Interest  (to the extent not offset by the
Master Servicer pursuant to Section 3.16(e) of this Series  Supplement),  to the
extent of funds on deposit in Reserve Fund I (the amount of such  withdrawal for
any Distribution Date, the "Reserve Fund I Withdrawal"). In addition, the Master
Servicer  shall  direct the  Trustee in  writing  on each  Distribution  Date to
withdraw  amounts on deposit in Reserve Fund II for deposit into the Certificate
Account,  and to pay to the  holders  of any  Retail  Certificates  pursuant  to
Section 4.02(a),  the amount of any Relief Act Shortfalls otherwise allocable to
any Retail  Certificates  pursuant  to the  definition  of  Accrued  Certificate
Interest,  to the extent of funds on deposit in Reserve  Fund II (the  amount of
such withdrawal for any Distribution Date, the "Reserve Fund II Withdrawal").

               For federal income tax purposes,  the Senior Underwriter shall be
the owner of Reserve  Fund I and Reserve  Fund II and shall  report all items of
income,  deduction,  gain or loss arising  therefrom.  Notwithstanding  anything
herein to the contrary, Reserve Fund I and Reserve Fund II shall not be an asset
of any REMIC.  Reserve Fund I and Reserve Fund II shall be invested in Permitted
Investments  at the  direction  of the Senior  Underwriter.  All income and gain
realized  from  investment  of funds  deposited  in the Reserve  Fund I shall be
deposited  in the Reserve Fund I for the sole use and  exclusive  benefit of the
Reserve Fund I. Similarly, all income and gain realized from investment of funds
deposited  in the Reserve  Fund II shall be deposited in the Reserve Fund II for
the sole use and  exclusive  benefit of the  Reserve  Fund II. The amount of any
loss  incurred  in respect of any such  investments  shall be  deposited  in the
related Reserve Fund by the Senior  Underwriter out of its own funds immediately
as realized without any right of reimbursement.  The balance,  if any, remaining
in  Reserve  Fund I or  Reserve  Fund II on the  Distribution  Date on which the
Certificate Principal Balance of the Retail Certificates is reduced to zero will
be  distributed  by the  Trustee to the Senior  Underwriter.  To the extent that

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<PAGE>

Reserve Fund I or Reserve Fund II  constitutes a reserve fund for federal income
tax  purposes,  (1) it shall be an outside  reserve fund and not an asset of any
REMIC  and (2) it shall  be owned by the  Senior  Underwriter,  all  within  the
meaning of Section 1.860G-2(h) of the Treasury  Regulations.  Reserve Fund I and
Reserve Fund II may not be owned by more than one person.

Section 4.10.  Rounding Account.

        No later than the Closing Date,  the Trustee will establish and maintain
with itself a segregated trust account that is an Eligible Account,  which shall
be titled "Rounding  Account,  Deutsche Bank Trust Company Americas,  as trustee
for the  registered  holders  of  Residential  Accredit  Loans,  Inc.,  Mortgage
Asset-Backed  Pass-Through  Certificates,  Series  2003-QS1,  Class A-8." On the
Closing Date,  the Senior  Underwriter  shall deposit with the Trustee,  and the
Trustee  shall  deposit  into the Rounding  Account,  cash in an amount equal to
$999.99.  The  Trustee  shall  hold such  amount  uninvested,  unless  otherwise
directed by the Master Servicer.

        The  Trustee on each  Distribution  Date shall,  based upon  information
provided by the Master  Servicer  for the related  Distribution  Date,  withdraw
funds from the Rounding Account to pay the Rounding Amount to the Holders of the
Retail  Certificates  pursuant to Section 4.02(h).  In addition,  the Trustee on
each  Distribution  Date shall,  based upon  information  provided by the Master
Servicer for the related  Distribution Date, withdraw funds from the Certificate
Account to repay to the  Rounding  Account  the  Rounding  Amount from the prior
Distribution Date as contemplated in Section 4.02(h).
Section 4.11.  Principal Distributions on the Retail Certificates.

        Distributions in reduction of the Certificate  Principal  Balance of the
Retail  Certificates will be made in integral multiples of $1,000 at the request
of  the  appropriate   representatives   of  Deceased  Holders  of  such  Retail
Certificates and at the request of Living Owners of such Retail  Certificates or
by mandatory distributions by Random Lot, pursuant to clauses (a) and (d) below,
or on a pro rata basis pursuant to clause (e) below.

(a) On each  Distribution  Date  on  which  distributions  in  reduction  of the
Certificate  Principal  Balance  of  the  Retail  Certificates  are  made,  such
distributions  will be made in the  following  priority  among  the  Certificate
Owners of the Retail Certificates:

               (i) any  request by the  personal  representatives  of a Deceased
        Holder or by a surviving  tenant by the entirety,  by a surviving  joint
        tenant  or by a  surviving  tenant  in  common,  but  not  exceeding  an
        aggregate amount of $100,000 per request; and

          (ii) any request by a Living  Owner,  but not  exceeding  an aggregate
     amount of $10,000 per request.

        Thereafter,  distributions  will be made,  with  respect  to the  Retail
Certificates,  as provided in clauses (i) and (ii) above up to a second $100,000
and $10,000, respectively. This sequence of priorities will be repeated for each
request for principal distributions made by the Certificate Owners of the Retail
Certificates until all such requests have been honored.

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<PAGE>

        Requests for  distributions  in reduction of the  Certificate  Principal
Balance of the Retail  Certificates  presented on behalf of Deceased  Holders in
accordance  with the provisions of clause (i) above will be accepted in order of
their receipt by the Depository.  Requests for distributions in reduction of the
Certificate  Principal Balance of the Retail Certificate presented in accordance
with the  provisions of clause (ii) above will be accepted in the order of their
receipt by the Depository after all requests presented in accordance with clause
(i) have been  honored.  All  requests  for  distributions  in  reduction of the
Certificate  Principal  Balance of the Retail  Certificates  will be accepted in
accordance  with the provisions set forth in Section  4.11(c).  All requests for
distributions  in reduction of the Certificate  Principal  Balance of the Retail
Certificates  with  respect to any  Distribution  Date must be  received  by the
Depository and on the Depository's "participant terminal system" and received by
the  Trustee no later than the close of business  on the  related  Record  Date.
Requests for  distributions  that are on the Depository's  participant  terminal
system and received by the Trustee  after the related  Record Date and requests,
in either case, for  distributions not accepted with respect to any Distribution
Date,  will be  treated  as  requests  for  distributions  in  reduction  of the
Certificate  Principal  Balance of Retail  Certificates  on the next  succeeding
Distribution Date, and each succeeding Distribution Date thereafter,  until such
request is  accepted  or is  withdrawn  as  provided  in Section  4.11(c).  Such
requests as are not so withdrawn  shall  retain their order of priority  without
the need for any further action on the part of the appropriate Certificate Owner
of the related Retail Certificate,  all in accordance with the procedures of the
Depository and the Trustee. Upon the transfer of the beneficial ownership of any
Retail Certificate,  any distribution  request previously submitted with respect
to such  Certificate will be deemed to have been withdrawn only upon the receipt
by the  Trustee  on or before  the  Record  Date for such  Distribution  Date of
notification  of such  withdrawal in the manner set forth in Section  4.11(c) on
the Depository's participant terminal system.

        Distributions in reduction of the Certificate  Principal  Balance of the
Retail  Certificates  will be applied in an amount equal to the Senior Principal
Distribution  Amount allocable to such Class pursuant to Section 4.02(b),  plus,
with respect to the Retail Certificates,  any amounts available for distribution
from the Rounding Account established as provided in Section 4.10, provided that
the aggregate  distribution in reduction of the Certificate Principal Balance of
the Retail  Certificates on any  Distribution  Date shall be made in an integral
multiple of $1,000.

        To the extent  that the  portion of the  Senior  Principal  Distribution
Amount  allocable to  distributions  in reduction of the  Certificate  Principal
Balance  of  the  Retail  Certificates  on any  Distribution  Date  exceeds  the
aggregate  Certificate Principal Balance of the Retail Certificates with respect
to which distribution requests, as set forth above, have been received (plus any
amounts required to be distributed pursuant to the Rounding Account with respect
to the Retail  Certificates),  distributions  in  reduction  of the  Certificate
Principal  Balance  of  the  Retail  Certificates  will  be  made  by  mandatory
distribution pursuant to Section 4.11(d).

(b) A Retail  Certificate  shall be deemed to be held by a  Deceased  Holder for
purposes of this Section 4.11 if the death of the  Certificate  Owner thereof is
deemed to have occurred.  Retail  Certificates  beneficially owned by tenants by
the  entirety,  joint  tenants  or tenants in common  will be  considered  to be
beneficially  owned by a single  owner.  The death of a tenant by the  entirety,
joint  tenant  or  tenant  in  common  will be  deemed  to be the  death  of the
Certificate  Owner,  and the Retail  Certificates so beneficially  owned will be

                                       46
<PAGE>

eligible  for  priority  with  respect  to  distributions  in  reduction  of the
Certificate Principal Balance thereof,  subject to the limitations stated above.
Retail  Certificates  beneficially  owned by a trust  will be  considered  to be
beneficially  owned  by each  beneficiary  of the  trust to the  extent  of such
beneficiary's  beneficial  interest  therein,  but in no  event  will a  trust's
beneficiaries  collectively  be deemed to be  Certificate  Owners of a number of
Individual Retail  Certificates of which such trust is the owner. The death of a
beneficiary of a trust will be deemed to be the death of a Certificate  Owner of
the Retail Certificates, as applicable, owned by the trust to the extent of such
beneficiary's  beneficial interest in such trust. The death of an individual who
was a tenant  by the  entirety,  joint  tenant  or tenant in common in a tenancy
which  is the  beneficiary  of a trust  will be  deemed  to be the  death of the
beneficiary  of such  trust.  The  death  of a  person  who,  during  his or her
lifetime,  was  entitled  to  substantially  all  of  the  beneficial  ownership
interests in Individual  Retail  Certificates  will be deemed to be the death of
the Certificate Owner of the Retail Certificates  regardless of the registration
of ownership, if such beneficial interest can be established to the satisfaction
of the Depository Participant.  Such beneficial interest will be deemed to exist
in typical  cases of street name or nominee  ownership,  ownership by a trustee,
ownership under the Uniform Gifts to Minors Act and community  property or other
joint ownership  arrangements between a husband and wife. Certificate beneficial
interests  shall include the power to sell,  transfer or otherwise  dispose of a
Retail Certificate and the right to receive the proceeds  therefrom,  as well as
interest and distributions in reduction of the Certificate  Principal Balance of
the Retail  Certificates,  as  applicable,  payable  with respect  thereto.  The
Trustee shall not be under any duty to determine independently the occurrence of
the death of any deceased  Certificate Owner. The Trustee may rely entirely upon
documentation  delivered to it pursuant to Section 4.10(c) in  establishing  the
eligibility of any Certificate  Owner to receive the priority  accorded Deceased
Holders in Section 4.11(a).

(c) Requests for distributions in reduction of the Certificate Principal Balance
of Retail  Certificates must be made by delivering a written request therefor to
the Depository Participant or Indirect Depository Participant that maintains the
account evidencing such Certificate Owner's interest in Retail Certificates.  In
the case of a request on behalf of a Deceased  Holder,  appropriate  evidence of
death  and any tax  waivers  are  required  to be  forwarded  to the  Depository
Participant  under separate cover.  The Depository  Participant  shall forward a
certification, satisfactory to the Trustee, certifying the death of the Deceased
Holder and the receipt of the appropriate evidence of death and tax waivers. The
Depository Participant should in turn make the request of the Depository (or, in
the  case  of an  Indirect  Depository  Participant,  such  Indirect  Depository
Participant  must notify the related  Depository  Participant  of such  request,
which Depository  Participant  should make the request of the Depository) on the
Depository's  participant  terminal  system.  The  Depository may establish such
procedures  as it deems fair and  equitable to establish the order of receipt of
requests  for such  distributions  received  by it on the same day.  None of the
Company,  the Master  Servicer or the  Trustee  shall be liable for any delay in
delivery of requests for  distributions  or  withdrawals of such requests by the
Depository, a Depository Participant or any Indirect Depository Participant.

        The Depository  shall maintain a list of those  Depository  Participants
representing the appropriate Certificate Owners of Retail Certificates that have
submitted  requests for distributions in reduction of the Certificate  Principal
Balance  of Retail  Certificates,  together  with the order of  receipt  and the
amounts of such requests on the Depository's  participant  terminal system.  The
Depository will honor requests for  distributions  in the order of their receipt

                                       47
<PAGE>

(subject to the  priorities  described in Section  4.11(a)  above).  The Trustee
shall  notify  the  Depository  as to which  requests  should be honored on each
Distribution  Date at least two Business  Days prior to such  Distribution  Date
based on the report  received by the Trustee  pursuant to Section 4.04 and shall
notify the  Depository  as to the amount of the  Senior  Principal  Distribution
Amount to be  distributed to the Retail  Certificates  by Random Lot pursuant to
Section 4.11(d).  Requests shall be honored by the Depository in accordance with
the procedures, and subject to the priorities and limitations, described in this
Section  4.11.  The exact  procedures  to be  followed  by the  Trustee  and the
Depository for purposes of determining  such priorities and limitations  will be
those  established  from time to time by the Trustee or the  Depository,  as the
case may be. The  decisions of the Trustee and the  Depository  concerning  such
matters will be final and binding on all affected persons.

        Individual   Retail   Certificates   that  have  been   accepted  for  a
distribution shall be due and payable on the applicable  Distribution Date. Such
Certificates  shall  cease to bear  interest  after  the  last day of the  month
preceding the month in which such Distribution Date occurs.

        Any  Certificate  Owner of a Retail  Certificate  that has  requested  a
distribution  may withdraw its request by so notifying in writing the Depository
Participant or Indirect  Depository  Participant that maintains such Certificate
Owner's  account.  In the event that such account is  maintained  by an Indirect
Depository  Participant,  such Indirect  Depository  Participant must notify the
related Depository Participant which in turn must forward the withdrawal of such
request on the Depository's participant terminal system. If such withdrawal of a
request for distribution  has not been received on the Depository's  participant
terminal system on or before the Record Date for the next Distribution Date, the
previously made request for distribution will be irrevocable with respect to the
making of distributions in reduction of the Certificate Principal Balance of the
Retail Certificates on such Distribution Date.

        In  the  event  any  requests  for  distributions  in  reduction  of the
Certificate  Principal  Balance of the Retail  Certificates  are rejected by the
Trustee for failure to comply with the  requirements  of this Section 4.11,  the
Trustee shall return such request to the appropriate Depository Participant with
a copy  to  the  Depository  with  an  explanation  as to the  reason  for  such
rejection.

(d) To the extent,  if any, that  distributions  in reduction of the Certificate
Principal  Balance of the Retail  Certificates on a Distribution Date exceed the
outstanding  Certificate  Principal  Balance  of the  Retail  Certificates  with
respect to which distribution  requests have been received by the related Record
Date, as provided in Section  4.10(a)  above,  the additional  distributions  in
reduction of the Certificate  Principal Balance of the Retail  Certificates will
be  made  by  mandatory  distributions  in  reduction  thereof.  Such  mandatory
distributions on Individual  Retail  Certificates  will be made by Random Lot in
accordance with the then-applicable Random Lot procedures of the Depository, the
Depository  Participants and the Indirect Depository  Participants  representing
the Certificate Owners. The Trustee shall notify the Depository of the aggregate
amount of the mandatory  distribution in reduction of the Certificate  Principal
Balance of the Retail Certificates to be made on any such Distribution Date. The
Depository  shall then  allocate  such  aggregate  amount  among its  Depository
Participants on a Random Lot basis.  Each Depository  Participant  and, in turn,
each Indirect  Depository  Participant will then select,  in accordance with its
own  procedures,  Individual  Retail  Certificates  from among those held in its

                                       48
<PAGE>

accounts to receive  mandatory  distributions  in reduction  of the  Certificate
Principal  Balance of the  Retail  Certificates,  such that the total  amount so
selected  is equal  to the  aggregate  amount  of such  mandatory  distributions
allocated to such Depository  Participant by the Depository and to such Indirect
Depository  Participant by its related Depository  Participant,  as the case may
be.  Depository  Participants  and Indirect  Depository  Participants  that hold
Retail  Certificates  selected for mandatory  distributions  in reduction of the
Certificate  Principal  Balance  thereof are required to provide  notice of such
mandatory  distributions to the affected Certificate Owners. The Master Servicer
agrees to notify the Trustee of the amount of  distributions in reduction of the
Certificate  Principal  Balance  of the Retail  Certificates  to be made on each
Distribution  Date in a timely  manner  such that the  Trustee  may  fulfill its
obligations  pursuant to the letter of  representations  dated the Closing  Date
among the Company, the Trustee and the Depository.

(e) Notwithstanding  any provisions herein to the contrary,  on any Distribution
Date on which any  Realized  Losses are  allocated  to the Retail  Certificates,
distributions  in reduction of the Certificate  Principal  Balance of the Retail
Certificates  will be made pro rata on the basis of their respective  Percentage
Interests  with the  respect to the Retail  Certificates  among the  Certificate
Owners of the Retail  Certificates and will not be made in integral multiples of
$1,000 nor  pursuant to requests for  distribution  as permitted by this Section
4.11 or mandatory distributions by Random Lot.

(f)  In  the  event  that  Definitive   Certificates   representing  the  Retail
Certificates  are issued  pursuant to Section  5.01 of the  Standard  Terms,  an
amendment to this  Agreement,  which may be approved  without the consent of any
Certificateholders,  shall establish  procedures relating to the manner in which
distributions in reduction of the Certificate  Principal  Balance of such Retail
Certificates are to be made;  provided that such procedures shall be consistent,
to the extent  practicable and customary for certificates  similar to the Retail
Certificates, with the provisions of this Section 4.11.

                                       49
<PAGE>

                                   ARTICLE V

                                THE CERTIFICATES

        Section 5.01. The Certificates. (See Section 5.01 of the Standard Terms)

        Section 5.02. Registration of Transfer and Exchange of Certificates.

        (a)  - (e)(i).  (See  Section  5.02(a)  - (e)(i) of the  Standard
Terms)

               (ii) Any  Transferee of a Class M  Certificate  will be deemed to
               have  represented  by virtue of its  purchase  or holding of such
               Certificate (or interest therein) that either (a) such Transferee
               is not a Plan  Investor,  (b) it has acquired and is holding such
               Certificate  in  reliance  on  Prohibited  Transaction  Exemption
               ("PTE") 94-29, 59 Fed. Reg. 14674 (March 29, 1994), as amended by
               PTE 97-34,  62 Fed. Reg. 39021 (July 21, 1997),  PTE 2000-58,  65
               Fed. Reg.  67765  (November 13, 2000),  and PTE 2002-41,  67 Fed.
               Reg. 54487 (August 22, 2002) (the "RFC  Exemption"),  and that it
               understands that there are certain conditions to the availability
               of the RFC  Exemption  including  that such  Certificate  must be
               rated,  at the time of  purchase,  not lower than  "BBB-" (or its
               equivalent)  by  Standard & Poor's,  Fitch or Moody's or (c) such
               Transferee is a Complying Insurance Company.

               (e)(iii) - (h). (See Section  5.02(e)(iii)  - (h) of the Standard
Terms)

     Section 5.03.  Mutilated,  Destroyed,  Lost or  Stolen  Certificates.  (See
          Section 5.03 of the Standard Terms)

     Section 5.04.  Persons  Deemed  Owners.  (See  Section 5.04 of the Standard
          Terms)

     Section  5.05.  Appointment  of  Paying  Agent.  (See  Section  5.05 of the
          Standard Terms)

                                       50
<PAGE>

                                   ARTICLE VI
                       THE COMPANY AND THE MASTER SERVICER

                     (SEE ARTICLE VI OF THE STANDARD TERMS)

                                       51
<PAGE>

                                  ARTICLE VII

                                     DEFAULT

                     (SEE ARTICLE VII OF THE STANDARD TERMS)

                                       52
<PAGE>

                                  ARTICLE VIII

                             CONCERNING THE TRUSTEE

                    (SEE ARTICLE VIII OF THE STANDARD TERMS)

                                       53
<PAGE>

                                   ARTICLE IX

                                   TERMINATION

                     (SEE ARTICLE IX OF THE STANDARD TERMS)

                                       54
<PAGE>

                                   ARTICLE X

                                REMIC PROVISIONS

Section 10.01..REMIC Administration.  (See Section 10.01 of the Standard Terms)

Section 10.02..Master Servicer; REMIC Administrator and Trustee Indemnification.
     (See Section 10.02 of the Standard Terms)

Section 10.03..Designation of REMICs.

        The REMIC  Administrator  will  make an  election  to treat  the  entire
segregated pool of assets  described in the definition of Trust Fund (except for
Reserve Fund I,  Reserve  Fund II and the Initial  Monthly  Payment  Fund),  and
subject to this  Agreement  (including  the  Mortgage  Loans but  excluding  the
Initial  Monthly  Payment Fund) as a REMIC ("REMIC I") and will make an election
to treat  the pool of assets  comprised  of the  Uncertificated  REMIC I Regular
Interests as a REMIC ("REMIC II") for federal income tax purposes.

        The Uncertificated REMIC I Regular Interests will be "regular interests"
in REMIC I and the Class R-I  Certificates  will be the sole class of  "residual
interests" in REMIC I for purposes of the REMIC  Provisions (as defined  herein)
under the federal income tax law.

        The Class A-1,  Class A-2,  Class A-3,  Class A-4, Class A-5, Class A-6,
Class A-7, Class A-8, Class A-9, Class A-10, Class A-11, Class A-12, Class A-13,
Class A-14, Class A-P, Class M-1, Class M-2, Class M-3, Class B-1, Class B-2 and
Class B-3 Certificates and the Uncertificated  REMIC II Regular Interests Z, the
rights in and to which will be represented by the Class A-V  Certificates,  will
be "regular  interests" in REMIC II, and the Class R-II Certificates will be the
sole class of "residual  interests" therein for purposes of the REMIC Provisions
(as  defined  herein)  under  federal  income tax law.  On and after the date of
issuance of any Subclass of Class A-V Certificates  pursuant to Section 5.01(c),
any such Subclass will represent the Uncertificated REMIC II Regular Interest or
Interests  Z  specified  by the  initial  Holder of the  Class A-V  Certificates
pursuant to said Section.

Section  10.04..Distributions on the Uncertificated REMIC I and REMIC II Regular
Interests.

        (a)On each  Distribution  Date the Trustee shall be deemed to distribute
to itself, as the holder of the Uncertificated  REMIC I Regular  Interests,  the
Uncertificated  REMIC I Regular Interest  Distribution  Amounts in the following
order of priority to the extent of the Available  Distribution Amount reduced by
distributions made to the Class R-I Certificates pursuant to Section 4.02(a):

               (i) Uncertificated Accrued Interest on the Uncertificated REMIC I
        Regular  Interests for such Distribution  Date, plus any  Uncertificated
        Accrued Interest thereon remaining unpaid from any previous Distribution
        Date; and

               (ii) In  accordance  with  the  priority  set  forth  in  Section
        10.04(b),  an  amount  equal to the sum of the  amounts  in  respect  of

                                       55
<PAGE>

        principal  distributable  on each Class of Certificates  (other than the
        Class R-I  Certificates)  under Section  4.02(a),  as allocated  thereto
        pursuant to Section 4.02(b).

        (b)The  amount  described  in  Section   10.04(a)(ii)  shall  be  deemed
distributed   to  (i)   Uncertificated   REMIC  I  Regular   Interest   P,  (ii)
Uncertificated  REMIC I Regular Interest Q, (iii) Uncertificated REMIC I Regular
Interest R, (iv)  Uncertificated  REMIC I Regular Interest S, (v) Uncertificated
REMIC I Regular  Interest  T, (vi)  Uncertificated  REMIC I Regular  Interest U,
(vii) Uncertificated  REMIC I Regular Interest V, (viii)  Uncertificated REMIC I
Regular  Interest  W, (ix)  Uncertificated  REMIC I Regular  Interest  X and (x)
Uncertificated  REMIC I Regular  Interest  Y with the  amount to be  distributed
allocated among such interests in accordance with the priority  assigned to each
Related  Class  of  Certificates   (other  than  the  Class  R-I  Certificates),
respectively,  under Section 4.02(b) until the Uncertificated  Principal Balance
of each such interest is reduced to zero.

        (c)The  portion  of  the   Uncertificated   REMIC  I  Regular   Interest
Distribution   Amounts  described  in  Section   10.04(a)(ii)  shall  be  deemed
distributed by REMIC I to REMIC II in accordance  with the priority  assigned to
the REMIC II Certificates  relative to that assigned to the REMIC I Certificates
under Section 4.02(b).

        (d)In determining from time to time the  Uncertificated  REMIC I Regular
Interest  Distribution  Amounts  and  Uncertificated  REMIC II Regular  Interest
Distribution Amounts:

               (i) Realized Losses allocated to the Class A-V Certificates under
        Section 4.05 shall be deemed  allocated to the  Uncertificated  REMIC II
        Regular  Interests Z pro-rata  according  to the  respective  amounts of
        Uncertificated   Accrued  Interest  that  would  have  accrued  on  such
        Uncertificated  REMIC II Regular  Interests Z for the Distribution  Date
        for  which  such  allocation  is  being  made  in the  absence  of  such
        allocation;

               (ii)  Realized  Losses  allocated  to the Class A-1  Certificates
        under Section 4.05 shall be deemed allocated to  Uncertificated  REMIC I
        Regular Interest P;

               (iii) Realized  Losses  allocated to the Class A-2  Certificates,
        Class  A-7   Certificates,   Class  A-11  Certificates  and  Class  A-12
        Certificates   under   Section   4.05  shall  be  deemed   allocated  to
        Uncertificated REMIC I Regular Interest Q;

               (iv)  Realized  Losses  allocated  to the Class A-3  Certificates
        under Section 4.05 shall be deemed allocated to  Uncertificated  REMIC I
        Regular Interest R;

               (v) Realized Losses  allocated to the Class A-4  Certificates and
        Class A-5  Certificates  under Section 4.05 shall be deemed allocated to
        Uncertificated REMIC I Regular Interest S;

               (vi)  Realized  Losses  allocated  to the Class A-6  Certificates
        under Section 4.05 shall be deemed allocated to  Uncertificated  REMIC I
        Regular Interest T;

               (vii)  Realized  Losses  allocated to the Class A-8  Certificates
        under Section 4.05 shall be deemed allocated to  Uncertificated  REMIC I
        Regular Interest U;

                                       56
<PAGE>

               (viii)  Realized Losses  allocated to the Class A-9  Certificates
        and Class A-10 Certificates under Section 4.05 shall be deemed allocated
        to Uncertificated REMIC I Regular Interest V;

               (ix) Realized Losses allocated to the Class A-13 Certificates and
        Class A-14 Certificates  under Section 4.05 shall be deemed allocated to
        Uncertificated REMIC I Regular Interest W;

               (x) Realized Losses allocated to the Class A-P Certificates under
        Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular
        Interest X;

               (xi) Realized Losses allocated to the Class M-1, Class M-2, Class
        M-3, Class B-1, Class B-2, Class B-3 and Class R-II  Certificates  under
        Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular
        Interest Y; and

               (xii) Realized Losses  allocated to the  Uncertificated  REMIC II
        Regular Interests Z under clause (i), above,  shall be deemed allocated,
        in each case, to the related Uncertificated REMIC I Regular Interest Z.

        (e)On each  Distribution  Date the Trustee shall be deemed to distribute
from REMIC II, in the  priority  set forth in  Sections  4.02(a) and (b), to the
Holders of each Class of  Certificates  (other than the Class R-I  Certificates)
the  amounts  distributable  thereon  from the  Uncertificated  REMIC I  Regular
Interest  Distribution  Amounts  deemed to have been  received  by REMIC II from
REMIC I under this Section 10.04. The amounts deemed distributed  hereunder with
respect to the Class A-V  Certificates  shall be deemed to have been distributed
in respect of the Uncertificated REMIC II Regular Interests Z in accordance with
their respective  Uncertificated REMIC II Regular Interest Distribution Amounts,
as such  Uncertificated  REMIC II Regular  Interests  Z  comprise  the Class A-V
Certificates.

        (f)Notwithstanding  the deemed distributions on the Uncertificated REMIC
I Regular Interests described in this Section 10.04, distributions of funds from
the Certificate Account shall be made only in accordance with Section 4.02.

Section 10.05. Compliance with Withholding Requirements.

               Notwithstanding  any  other  provision  of  this  Agreement,  the
Trustee or any Paying  Agent,  as  applicable,  shall  comply  with all  federal
withholding  requirements  respecting payments to Certificateholders,  including
interest or original  issue  discount  payments  or  advances  thereof  that the
Trustee or any Paying Agent, as applicable,  reasonably  believes are applicable
under the Code. The consent of Certificateholders shall not be required for such
withholding.  In the event the Trustee or any Paying Agent, as applicable,  does
withhold  any amount  from  interest  or  original  issue  discount  payments or
advances  thereof  to any  Certificateholder  pursuant  to  federal  withholding
requirements, the Trustee or any Paying Agent, as applicable, shall indicate the
amount  withheld  to  such  Certificateholder  pursuant  to the  terms  of  such
requirements.

                                       57
<PAGE>

                                   ARTICLE XI

                            MISCELLANEOUS PROVISIONS

Section 11.01. Amendment.  (See Section 11.01 of the Standard Terms)

Section 11.02. Recordation of Agreement; Counterparts. (See Section 11.02 of the
     Standard Terms)

Section 11.03. Limitation on Rights of Certificateholders. (See Section 11.03 of
     the Standard Terms)

Section 11.04. Governing Laws.  (See Section 11.04 of the Standard Terms)

Section 11.05.  Notices.  All demands and notices  hereunder shall be in writing
and shall be deemed to have been duly given if personally delivered at or mailed
by registered  mail,  postage  prepaid  (except for notices to the Trustee which
shall be deemed to have been duly given only when received),  to the appropriate
address  for each  recipient  listed in the table  below or, in each case,  such
other address as may  hereafter be furnished in writing to the Master  Servicer,
the Trustee, the Certificate Insurer and the Company, as applicable:

---------------------------------- ---------------------------------------------
            RECIPIENT                                         ADDRESS
---------------------------------- ---------------------------------------------
---------------------------------- ---------------------------------------------
Company                            8400 Normandale Lake Boulevard
                    Suite 250, Minneapolis, Minnesota 55437,
                                   Attention:  President

---------------------------------- ---------------------------------------------
---------------------------------- ---------------------------------------------
Master Servicer                    2255 N. Ontario Street, Suite 400
                                   Burbank, California 91504-2130,
                  Attention: Managing Director/Master Servicing

---------------------------------- ---------------------------------------------
---------------------------------- ---------------------------------------------
Trustee                            Corporate Trust Office
                                   1761 East St. Andrew Place
                                   Santa Ana, California 92705-4934,
                                   Attention:  Residential Accredit Loans, Inc.
                                         Series 2003-QS1

                                   The Trustee designates its offices located at
                                   c/o DTC Transfer  Services,  55 Water Street,
                                   Jeanette Street Park Entrance,  New York, New
                                   York 10041,  for the purposes of Section 8.12
                                   of the Standard Terms

---------------------------------- ---------------------------------------------
---------------------------------- ---------------------------------------------
Moody's Investors Service, Inc.    99 Church Street, 4th Street
                                   New York, New York 10007

---------------------------------- ---------------------------------------------
---------------------------------- ---------------------------------------------
Standard & Poor's Ratings          55 Water Street
Services, a division of The        41st Floor
McGraw-Hill Companies, Inc.        New York, New York 10041

---------------------------------- ---------------------------------------------
---------------------------------- ---------------------------------------------
Certificate Insurer                113 King Street
                                   Armonk, New York  10504
                                   Attention: Insured Portfolio Management -
                                        Structured Finance
                                   (RALI Series 2003-QS1)
---------------------------------- --------------------------------------------

                                       58
<PAGE>

Any notice  required or permitted to be mailed to a  Certificateholder  shall be
given by first class  mail,  postage  prepaid,  at the address of such holder as
shown in the  Certificate  Register.  In each  case in  which a notice  or other
communication to the Certificate Insurer refers to a Certificate Insurer Default
or a claim under the Certificate  Policy or with respect to which failure on the
part of the Certificate Insurer to respond shall be deemed to constitute consent
or acceptance,  then a copy of such notice or other communication should also be
sent to the  attention  of the General  Counsel of the  Certificate  Insurer and
shall be marked to indicate  "URGENT  MATERIAL  ENCLOSED."  Any notice so mailed
within the time prescribed in this Agreement  shall be conclusively  presumed to
have been duly given, whether or not the Certificateholder receives such notice.

Section 11.06. Required Notices to Rating Agency and Subservicer.

        The Company,  the Master Servicer or the Trustee,  as applicable,  shall
notify each Rating  Agency and the  Subservicer  at such time as it is otherwise
required  pursuant to this Agreement to give notice of the occurrence of, any of
the events described in clause (a), (b), (c), (d), (g), (h), (i) or (j) below or
provide a copy to each Rating  Agency at such time as  otherwise  required to be
delivered  pursuant to this  Agreement  of any of the  statements  described  in
clauses (e) and (f) below:

(a)     a material change or amendment to this Agreement,

(b)     the occurrence of an Event of Default,

(c)     the termination or appointment of a successor Master Servicer or Trustee
        or a change in the majority ownership of the Trustee,

(d)     the filing of any claim  under the Master  Servicer's  blanket  fidelity
        bond and the errors and omissions  insurance  policy required by Section
        3.12 or the  cancellation  or  modification  of coverage  under any such
        instrument,

(e)     the  statement  required to be delivered to the Holders of each Class of
        Certificates pursuant to Section 4.03,

(f)     the  statements  required to be delivered  pursuant to Sections 3.18 and
        3.19,

(g)     a change in the  location of the  Custodial  Account or the  Certificate
        Account,

                                       59
<PAGE>

(h)     the  occurrence of any monthly cash flow shortfall to the Holders of any
        Class of Certificates  resulting from the failure by the Master Servicer
        to make an Advance pursuant to Section 4.04,

(i)     the occurrence of the Scheduled Final Distribution Date,

(j)     the repurchase of or substitution for any Mortgage Loan, and

(k)     any Certificate Insurer Default that has not been cured.

provided,  however,  that with respect to notice of the occurrence of the events
described in clauses (d), (g) or (h) above,  the Master  Servicer  shall provide
prompt  written  notice to each Rating  Agency and the  Subservicer  of any such
event known to the Master Servicer.

Section 11.07.  Severability  of Provisions.  (See Section 11.07 of the Standard
     Terms)

Section 11.08. Supplemental Provisions for Resecuritization.  (See Section 11.08
     of the Standard Terms)

Section 11.09. Allocation of Voting Rights.

               95% of all of the Voting Rights shall be allocated  among Holders
of  Certificates,  other  than  the  Interest  Only  Certificates  and  Class  R
Certificates, in proportion to the outstanding Certificate Principal Balances of
their  respective  Certificates,  except that the  Certificate  Insurer shall be
assigned the Voting  Rights of the Retail  Certificateholders  in the absence of
any continuing  Certificate  Insurer  Default;  1% of all Voting Rights shall be
allocated  among the Holders of the Class A-5  Certificates,  in accordance with
their  respective  Percentage  Interests;  1% of  all  Voting  Rights  shall  be
allocated among the Holders of the Class A-10  Certificates,  in accordance with
their  respective  Percentage  Interests;  1% of  all  Voting  Rights  shall  be
allocated among the Holders of the Class A-14  Certificates,  in accordance with
their  respective  Percentage  Interests;  1% of  all  Voting  Rights  shall  be
allocated  among the Holders of the Class A-V  Certificates,  in accordance with
their  respective  Percentage  Interests;  0.5% of all  Voting  Rights  shall be
allocated  among the Holders of the Class R-I  Certificates,  in accordance with
their respective  Percentage  Interests;  and 0.5% of all Voting Rights shall be
allocated among the Holders of the Class R-II  Certificates,  in accordance with
their respective Percentage Interests.

Section 11.10. No Petition.

               The Depositor,  Master Servicer and the Trustee, by entering into
this Agreement, and each Certificateholder,  by accepting a Certificate,  hereby
covenant  and agree that they will not at any time  institute  against the Trust
Fund,  or join in any  institution  against  the Trust Fund of,  any  bankruptcy
proceedings  under any United States federal or state  bankruptcy or similar law
in  connection  with any  obligation  with respect to the  Certificates  or this
Agreement.

                                       60
<PAGE>

                                   ARTICLE XII

               CERTAIN MATTERS REGARDING THE CERTIFICATE INSURER

Section 12.01.  Rights of the  Certificate  Insurer To Exercise Rights of Retail
     Certificateholders.

               By  accepting  its  Certificate,  each  Retail  Certificateholder
agrees that unless a Certificate Insurer Default exists, the Certificate Insurer
shall  have the right to  exercise  all  consent,  voting,  direction  and other
control rights of the Retail Certificateholders under this Agreement without any
further consent of the Retail Certificateholders.

Section 12.02.Claims Upon the Certificate Policy; Certificate Insurance Account.

        (a) If, on any Determination  Date, the Master Servicer  determines that
(i) the funds that will be on deposit in the Certificate  Account on the related
Certificate  Account  Deposit  Date, to the extent  distributable  to any Retail
Certificateholders  pursuant to Section  4.02(a)(i),  together  with any Reserve
Fund I Withdrawal  and Reserve Fund II Withdrawal  for the related  Distribution
Date,  are  insufficient  to pay the full  amount of  interest  for the  related
Interest  Accrual  Period on the  Certificate  Principal  Balance  of the Retail
Certificates at the related  Pass-Through  Rate (net of any Prepayment  Interest
Shortfalls  allocated to the Retail  Certificates  and any Relief Act Shortfalls
allocated to the Retail Certificates that were otherwise covered by Reserve Fund
II) on such Distribution Date, (ii) the principal portion of any Realized Losses
are allocated to the Retail  Certificates on such Distribution Date or (iii) the
funds  that  will  be on  deposit  in the  Certificate  Account,  to the  extent
distributable to the Retail  Certificateholders with respect to principal on the
Scheduled Final Distribution Date will be insufficient to reduce the Certificate
Principal Balance of the Retail  Certificates to zero, the Master Servicer shall
deliver to the  Trustee  not later  than  11:00  a.m.  New York City time on the
Determination  Date a certificate  signed by a Servicing  Officer  directing the
Trustee to draw on the Certificate Policy and stating the amount to be drawn and
stating the Insured Payment for each Retail  Certificate,  and the Trustee shall
give notice by telephone or telecopy of the aggregate amount of such deficiency,
confirmed  in  writing  in the form set forth as  Exhibit  A to the  Certificate
Policy,  to the  Certificate  Insurer  and the Fiscal  Agent (as  defined in the
Certificate Policy), if any, at or before 12:00 noon, New York City time, on the
second  Business Day prior to such  Distribution  Date.  If,  subsequent to such
notice, and prior to payment by the Certificate Insurer pursuant to such notice,
additional amounts are deposited in the Certificate  Account,  the Trustee shall
reasonably  promptly notify the  Certificate  Insurer and withdraw the notice or
reduce the amount claimed, as appropriate.

        (b) The Trustee shall establish a separate special purpose trust account
for the  benefit  of  Holders of any  Retail  Certificates  and the  Certificate
Insurer referred to herein as the Certificate  Insurance  Account over which the
Trustee shall have exclusive  control and sole right of withdrawal.  The Trustee
shall deposit any amount paid under the  Certificate  Policy in the  Certificate
Insurance  Account and  distribute  such amount only for  purposes of payment to
Holders of Retail  Certificates  of the  Insured  Payment  for which a claim was
made.  Such  amount  may not be  applied  to  satisfy  any  costs,  expenses  or
liabilities of the Master Servicer,  the Trustee or the Trust Fund. Amounts paid
under the Certificate Policy shall be transferred to the Certificate  Account in

                                       61
<PAGE>

accordance with the second succeeding  paragraph and disbursed by the Trustee to
Holders  of Retail  Certificates  in  accordance  with  Section  4.02 or Section
9.01(c),  as applicable.  It shall not be necessary for such payments to be made
by checks or wire  transfers  separate from the checks or wire transfers used to
pay the Insured Payment with other funds available to make such payment.

        However,  the amount of any payment of  principal  of or interest on the
Retail  Certificates  to be paid from  funds  transferred  from the  Certificate
Insurance  Account  shall be noted as provided in paragraph (c) below and in the
statement  to be furnished  to Holders of the  Certificates  pursuant to Section
4.03. Funds held in the Certificate  Insurance  Account shall not be invested by
the Master Servicer, the Company or the Trustee.

        On any  Distribution  Date with  respect  to which a claim has been made
under the Certificate Policy, the amount of any funds received by the Trustee as
a result of any claim under the  Certificate  Policy,  to the extent required to
make the Insured Payment on such Distribution  Date, shall be withdrawn from the
Certificate  Insurance  Account and  deposited  in the  Certificate  Account and
applied by the Master Servicer on behalf of the Trustee, together with the other
funds to be  distributed  to the Retail  Certificateholders  pursuant to Section
4.02,  directly to the payment in full of the Insured  Payment due on the Retail
Certificates.  Any funds remaining in the Certificate  Insurance  Account on the
first  Business  Day  following  a  Distribution  Date shall be  remitted to the
Certificate Insurer, pursuant to the instructions of the Certificate Insurer, by
the end of such Business Day.

        (c) The Trustee shall keep a complete and accurate  record of the amount
of interest and principal paid into the Certificate Insurance Account in respect
of any Retail Certificate from moneys received under the Certificate Policy. The
Certificate  Insurer  shall have the right to inspect such records at reasonable
times during normal  business  hours upon two Business Day's prior notice to the
Trustee.

        (d) In accordance with the terms of the Certificate Policy, any claim on
the  Certificate  Policy in respect of a Preference  Amount,  shall  require the
Trustee  to obtain a  certified  copy of the  order  requiring  the  return of a
preference  payment,  an  opinion  of counsel  satisfactory  to the  Certificate
Insurer  that  the  order  is  final  and  not  subject  to  appeal,  and  other
documentation as required by the Certificate Policy. Any such opinion of counsel
shall be provided at the sole expense of the Senior  Underwriter,  in accordance
with the terms of the Commitment Letter.

          Section   12.03.Effect  of  Payments  by  the   Certificate   Insurer;
     Subrogation.

        Anything  herein to the contrary  notwithstanding,  for purposes of this
Section  12.03,  any payment  with  respect to  principal  of or interest on any
Retail  Certificates which is made with monies received pursuant to the terms of
the  Certificate   Policy  shall  not  be  considered   payment  of  any  Retail
Certificates  from the Trust  Fund.  The Master  Servicer,  the  Company and the
Trustee acknowledge,  and each Holder by its acceptance of an Retail Certificate
agrees,  that  without  the  need  for any  further  action  on the  part of the
Certificate  Insurer,  the Master  Servicer,  the  Company,  the  Trustee or the
Certificate  Registrar,  to the extent the  Certificate  Insurer makes payments,
directly or  indirectly,  on account of  principal  of or interest on any Retail

                                       62
<PAGE>

Certificates to the Holders of such Certificates,  the Certificate  Insurer will
be fully subrogated to, and each Retail Certificateholder,  the Master Servicer,
the  Company  and the  Trustee  hereby  delegate  and assign to the  Certificate
Insurer,  to the fullest extent  permitted by law, the rights of such Holders to
receive such  principal  and  interest  from the Trust Fund;  provided  that the
Certificate  Insurer shall be paid such amounts only from the sources and in the
manner explicitly provided for herein.

        The Trustee and the Master Servicer shall cooperate in all respects with
any  reasonable  request by the  Certificate  Insurer  for action to preserve or
enforce the  Certificate  Insurer's  rights or  interests  under this  Agreement
without  limiting  the  rights or  affecting  the  interests  of the  Holders as
otherwise set forth herein.

        Section 12.04.Notices and Information to the Certificate Insurer.

        (a) All notices, statements,  reports, certificates or opinions required
by this Agreement to be sent to any other party hereto,  to the Rating  Agencies
or to the Certificateholders shall also be sent to the Certificate Insurer.

        (b) The Master  Servicer shall designate a Person who shall be available
to the Certificate Insurer to provide reasonable access to information regarding
the Mortgage Loans.

        Section 12.05.Trustee to Hold Certificate Policy.

        The Trustee will hold the  Certificate  Policy in trust as agent for the
Retail   Certificateholders  for  the  purpose  of  making  claims  thereof  and
distributing the proceeds thereof. Each Retail  Certificateholder,  by accepting
its  Certificate,  appoints the Trustee as  attorney-in-fact  for the purpose of
making  claims on the  Certificate  Policy.  The  Trustee  shall  surrender  the
Certificate  Policy  to  the  Certificate  Insurer  for  cancellation  upon  the
expiration of the term of the Certificate  Policy as provided in the Certificate
Policy following the retirement of any Retail Certificates.

        Section 12.06.Ratings.

        The parties  hereto agree that  references  in this  Agreement or in the
Standard   Terms  to  ratings  on  the   Certificates   or   interests   of  the
Certificateholders shall be determined without regard to the Certificate Policy.

        Section 12.07.Third-Party Beneficiary.

        The Certificate Insurer shall be an express  third-party  beneficiary of
this Agreement to the extent of its express  subrogation  rights and its express
rights,  including its rights to receive Insurance Premiums set forth in Section
4.02(a)  of the  Agreement  and shall  have the  right to  enforce  the  related
provisions of this Agreement as if it were a party hereto.

                                       63
<PAGE>

        IN WITNESS  WHEREOF,  the Company,  the Master  Servicer and the Trustee
have  caused  their  names to be  signed  hereto  by their  respective  officers
thereunto  duly  authorized and their  respective  seals,  duly attested,  to be
hereunto affixed, all as of the day and year first above written.

                                            RESIDENTIAL ACCREDIT LOANS, INC.
[Seal]

                                            By:  //s// Joseph Orning
                                                 Name:   Joseph Orning
                                                 Title:  Vice President

Attest: //s// Lisa Lundsten
      Name: Lisa Lundsten
      Title: Vice President

                                            RESIDENTIAL FUNDING CORPORATION
[Seal]

                                            By:  //s// Julie Malanoski
                                                 Name: Julie Malanoski
                                                 Title: Director

Attest://s// Joseph Orning
      Name: Joseph Orning
      Title: Director

                               DEUTSCHE BANK TRUST COMPANY AMERICAS, as Trustee
[Seal]

                                            By:  //s// Ronaldo Reyes
                                                 Name: Ronaldo Reyes
                                Title: Associate

                                            By:  //s// James Noriega
                                                 Name: James F. Noriega
                                Title: Associate

Attest://s// Barbara Campbell
      Name: Barbara Campbell
      Title: Assistant Secretary

                                       64
<PAGE>

STATE OF MINNESOTA
                                  )
                                  ) ss.:
COUNTY OF HENNEPIN                )
               On the 30th day of January,  2003  before me, a notary  public in
and for said State,  personally appeared Joseph Orning, known to me to be a Vice
President of Residential  Accredit  Loans,  Inc., one of the  corporations  that
executed  the  within  instrument,  and also  known to me to be the  person  who
executed  it on behalf of said  corporation,  and  acknowledged  to me that such
corporation executed the within instrument.

               IN WITNESS  WHEREOF,  I have  hereunto set my hand and affixed my
official seal the day and year in this certificate first above written.

                                            //s// Brian S. Bangerter
                                  Notary Public

 [Notarial Seal]

                                       65
<PAGE>

STATE OF MINNESOTA
                                  )
                                  ) ss.:
COUNTY OF HENNEPIN                )
               On the 30th day of January,  2003  before me, a notary  public in
and for said State, personally appeared Julie Malonoski,  known to me to be a(n)
Director  of  Residential  Funding  Corporation,  one of the  corporations  that
executed  the  within  instrument,  and also  known to me to be the  person  who
executed  it on behalf of said  corporation,  and  acknowledged  to me that such
corporation executed the within instrument.

               IN WITNESS  WHEREOF,  I have  hereunto set my hand and affixed my
official seal the day and year in this certificate first above written.

                                            //s// Brian S. Bangerter
                                  Notary Public
 [Notarial Seal]

                                       66
<PAGE>

STATE OF CALIFORNIA
                                  )
                                  ) ss.:
COUNTY OF ORANGE                  )
               On the 30th day of January,  2003  before me, a notary  public in
and for said State, personally appeared James F. Noriega, known to me to be a(n)
Associate  of  Deutsche  Bank  Trust  Company  Americas,  the New  York  banking
corporation that executed the within instrument,  and also known to me to be the
person who executed it on behalf of said banking corporation and acknowledged to
me that such banking corporation executed the within instrument.

               IN WITNESS  WHEREOF,  I have  hereunto set my hand and affixed my
official seal the day and year in this certificate first above written.

                                            //s// Brent Wayne Hoyler
                                  Notary Public

 [Notarial Seal]

                                       67
<PAGE>

STATE OF CALIFORNIA               )
                                  ) ss.:
COUNTY OF ORANGE                  )
               On the 30th day of January,  2003  before me, a notary  public in
and for said State,  personally  appeared Ronaldo Reyes,  known to me to be a(n)
Associate  of  Deutsche  Bank  Trust  Company  Americas,  the New  York  banking
corporation that executed the within instrument,  and also known to me to be the
person who executed it on behalf of said banking corporation and acknowledged to
me that such banking corporation executed the within instrument.

               IN WITNESS  WHEREOF,  I have  hereunto set my hand and affixed my
official seal the day and year in this certificate first above written.

                                                   //s// Brent Wayne Hoyler
                                  Notary Public

[Notarial Seal]

                                       68
<PAGE>

                                   EXHIBIT ONE

                             MORTGAGE LOAN SCHEDULE

  RUN ON     : 02/10/03           RFC DISCLOSURE SYSTEM       RFFSDFIX-01
  AT         : 11.44.07           FIXED PASSTHRU REPORT       AMORTIZED BALANCE
  SERIES     : RALI 2003-QS1                                  CUTOFF : 01/01/03
  POOL       : 0004654
             :
             :
  POOL STATUS: F

    RFC LOAN NUMBER                      SUB SERV FEE
    PRINCIPAL BALANCE                    MSTR SERV FEE
    CURR NOTE RATE                       ALL EXP
    RFC NET RATE                         MISC EXP
    NET MTG RATE(INVSTR RATE)            SPREAD
    POST STRIP RATE                      STRIP
  ---------------------------------------------------------------------------

      6943574                              .2500
      148,827.45                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      7668158                              .2500
      124,058.03                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      7686521                              .2500
       84,995.53                          .0800
            8.2500                         .0000
            8.0000                         .0000
            7.9200                         .0000
            6.0000                        1.9200

      7696829                              .2500
      269,962.19                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      7779363                              .2500
      397,782.32                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      7812935                              .2500
       68,967.92                          .0800
            8.0000                         .0000
            7.7500                         .0000
            7.6700                         .0000
            6.0000                        1.6700
1

      7815079                              .2500
      110,822.44                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      7879147                              .2500
      535,336.29                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      7890909                              .2500
      177,877.67                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      7890941                              .2500
      137,244.73                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7907093                              .2500
      125,862.92                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7920817                              .2500
      359,925.94                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.0000                        1.2950

      7938167                              .2500
      179,589.21                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7949305                              .2500
      219,086.71                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700
1

      7949311                              .2500
      131,054.33                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7958779                              .2500
      109,730.50                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      7978539                              .2500
      358,718.96                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      7986901                              .2500
      219,696.17                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8011697                              .2500
       70,135.45                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8022213                              .2500
      156,090.77                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8046299                              .2500
      165,102.11                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8048543                              .5000
      182,229.07                          .0800
            7.7500                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700
1

      8051187                              .2500
      137,575.33                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8053533                              .2500
      115,740.11                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8058489                              .2500
      125,664.66                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8058639                              .2500
       96,759.85                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8066685                              .2500
      112,214.85                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8068211                              .2500
      112,068.69                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8070755                              .2500
      267,320.67                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8073625                              .2500
      112,221.72                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700
1

      8073861                              .2500
      199,413.85                          .0300
            6.1250                         .0000
            5.8750                         .0000
            5.8450                         .0000
            5.8450                         .0000

      8074291                              .2500
       90,057.64                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.0000                        1.4200

      8076943                              .2500
      208,483.03                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8080255                              .2500
      148,391.90                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8086787                              .2500
      323,309.52                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.0000                        1.4200

      8086935                              .2500
      149,570.78                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8087643                              .2500
       91,443.85                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8090369                              .2500
      319,127.43                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700
1

      8097139                              .2500
      635,872.88                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8100823                              .2500
      136,477.91                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8101091                              .2500
      188,555.02                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8101277                              .2500
      426,832.95                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8101755                              .2500
       63,261.46                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.0000                        1.2950

      8103169                              .2500
       71,866.32                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.0000                        1.4200

      8103581                              .2500
       87,959.51                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8105477                              .2500
      443,756.94                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450
1

      8110141                              .2500
      199,129.46                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8111111                              .2500
      108,625.45                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8115011                              .2500
      353,102.67                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8115823                              .2500
       35,921.32                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.0000                        1.2950

      8117163                              .2500
      148,183.54                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.0000                        1.4200

      8122645                              .2500
      121,206.78                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8122649                              .2500
      308,676.28                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8122703                              .2500
      313,444.39                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950
1

      8125005                              .2500
      231,041.09                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8125021                              .2500
      437,773.71                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8126991                              .2500
       50,194.44                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      8127497                              .2500
      433,193.92                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8128815                              .2500
      279,411.19                          .0800
            6.7000                         .0000
            6.4500                         .0000
            6.3700                         .0000
            6.0000                         .3700

      8130453                              .2500
       77,434.26                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8130777                              .2500
       97,343.59                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8132827                              .2500
      164,099.13                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450
1

      8133429                              .2500
       45,777.82                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8135169                              .2500
      140,742.33                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8137853                              .2500
      157,307.28                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8138043                              .2500
       65,640.87                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8138109                              .2500
      407,260.32                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8140605                              .2500
      166,212.48                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8140761                              .2500
      319,405.67                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8144583                              .2500
      101,819.52                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950
1

      8145779                              .2500
      208,611.81                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8147877                              .2500
      120,791.05                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8150745                              .2500
      144,630.87                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8153119                              .2500
      174,283.61                          .0800
            8.0000                         .0000
            7.7500                         .0000
            7.6700                         .0000
            6.0000                        1.6700

      8153179                              .2500
      133,983.78                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8153197                              .2500
       29,950.68                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8153257                              .2500
      121,384.83                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8156579                              .2500
       84,255.10                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700
1

      8157297                              .2500
       74,571.02                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8157647                              .2500
       91,833.21                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8159585                              .2500
      159,695.57                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8160707                              .2500
      325,394.51                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8161485                              .2500
      187,658.16                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8161535                              .2500
      180,695.01                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8163255                              .2500
      187,650.81                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8164427                              .2500
      189,180.66                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450
1

      8167051                              .2500
      255,512.92                          .0300
            6.2500                         .0000
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            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8335995                              .2500
      282,800.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8335997                              .2500
      255,000.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8336533                              .2500
      140,100.00                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8336621                              .2500
      420,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8336735                              .2500
      260,100.00                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8336857                              .2500
      115,200.00                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8336987                              .2500
      175,000.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450
1

      8337253                              .2500
       58,000.00                          .0300
            5.8750                         .0000
            5.6250                         .0000
            5.5950                         .0000
            5.5950                         .0000

      8337448                              .2500
      211,313.40                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8337533                              .2500
       63,750.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8337745                              .2500
      229,000.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8337747                              .2500
       44,000.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8337749                              .2500
       58,900.00                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8337787                              .2500
      100,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8337803                              .2500
       97,600.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200
1

      8337823                              .2500
       53,500.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8337913                              .2500
      157,850.00                          .0300
            6.1250                         .0000
            5.8750                         .0000
            5.8450                         .0000
            5.8450                         .0000

      8337959                              .2500
      169,500.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8338053                              .2500
      259,600.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8338291                              .2500
      124,000.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8338373                              .2500
      179,150.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8338411                              .2500
      168,000.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8338618                              .2500
      329,686.88                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000
1

      8338716                              .2500
      139,879.46                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8338728                              .2500
      159,375.58                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8338785                              .2500
      354,400.00                          .0300
            6.0000                         .0000
            5.7500                         .0000
            5.7200                         .0000
            5.7200                         .0000

      8338787                              .2500
      396,000.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8338791                              .2500
      114,500.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8338825                              .2500
      272,200.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8338883                              .2500
      187,000.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8338887                              .2500
      264,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700
1

      8338903                              .2500
      128,000.00                          .0300
            5.8750                         .0000
            5.6250                         .0000
            5.5950                         .0000
            5.5950                         .0000

      8338907                              .2500
      220,000.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8338913                              .2500
      388,000.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8338961                              .2500
      179,000.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8338969                              .2500
      386,000.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8338985                              .2500
      328,800.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8339003                              .2500
      110,000.00                          .0300
            6.1250                         .0000
            5.8750                         .0000
            5.8450                         .0000
            5.8450                         .0000

      8339012                              .2500
      255,757.09                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000
1

      8339493                              .2500
      517,000.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8339505                              .2500
      324,000.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8339557                              .2500
      135,900.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8339585                              .2500
      365,400.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8339602                              .2500
      352,188.99                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8339613                              .2500
      120,000.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8339627                              .2500
      170,000.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8339657                              .2500
      511,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700
1

      8340164                              .2500
      334,674.40                          .0300
            6.1250                         .0000
            5.8750                         .0000
            5.8450                         .0000
            5.8450                         .0000

      8340435                              .2500
      281,750.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8340558                              .2500
      488,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8340668                              .2500
      175,000.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8340800                              .2500
      300,000.00                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8340820                              .2500
      328,500.00                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8341040                              .2500
       88,000.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8341233                              .2500
       95,928.75                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700
1

      8341394                              .2500
      524,000.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8341472                              .2500
      259,770.61                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8341796                              .2500
      200,400.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8342172                              .2500
      360,000.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8342335                              .2500
      118,400.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8342347                              .2500
      265,000.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8342379                              .2500
      182,400.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8342387                              .2500
      222,400.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450
1

      8342461                              .2500
      175,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8342487                              .2500
       60,120.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8342509                              .2500
      183,000.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8342535                              .2500
      244,883.60                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8342541                              .2500
       81,700.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8342605                              .2500
      268,000.00                          .0300
            6.1250                         .0000
            5.8750                         .0000
            5.8450                         .0000
            5.8450                         .0000

      8342609                              .2500
      380,000.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8343467                              .2500
       90,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700
1

      8343738                              .2500
      496,000.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8343856                              .2500
      248,000.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8343977                              .2500
      282,150.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8344330                              .2500
      225,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8344733                              .2500
      101,500.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8345837                              .2500
      214,200.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8345965                              .2500
      344,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8346697                              .2500
      100,000.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200
1

      8347555                              .2500
      224,900.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8347649                              .2500
      235,852.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8350415                              .2500
      344,250.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8350453                              .2500
      215,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8350493                              .2500
      230,000.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8350537                              .2500
       74,500.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8351163                              .2500
      185,000.00                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8353885                              .2500
      121,497.84                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450
1

      8353889                              .2500
      178,842.07                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8353923                              .2500
      120,500.00                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8354011                              .2500
      112,436.93                          .0800
            8.8750                         .0000
            8.6250                         .0000
            8.5450                         .0000
            6.0000                        2.5450

      8354065                              .2500
       80,000.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8354069                              .2500
       53,550.00                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8354101                              .2500
      144,000.00                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8355045                              .2500
      195,990.00                          .0300
            6.0000                         .0000
            5.7500                         .0000
            5.7200                         .0000
            5.7200                         .0000
1

      8357107                              .2500
       37,100.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

  TOTAL NUMBER OF LOANS:     2382
  TOTAL BALANCE........:        475,149,431.84

  RUN ON     : 02/10/03            RFC DISCLOSURE SYSTEM      RFFSDFIX-01
  AT         : 11.44.07            INITIAL SECURITY FEES      AMORTIZED BALANCE
  SERIES     : RALI 2003-QS1        FIXED SUMMARY REPORT      CUTOFF : 01/01/03
  POOL       : 0004654
             :
             :
  POOL STATUS: F

                                   WEIGHTED AVERAGES      FROM         TO
  ----------------------------------------------------------------------------
  CURR NOTE RATE                        6.6072            5.7500      8.8750
  RFC NET RATE                          6.3572            5.5000      8.6250
  NET MTG RATE(INVSTR RATE)             6.2867            5.4700      8.5450
  POST STRIP RATE                       5.9819            5.4700      6.0000
  SUB SERV FEE                           .2501             .2500       .5000
  MSTR SERV FEE                          .0704             .0300        .0800
  ALL EXP                                .0000             .0000       .0000
  MISC EXP                               .0000             .0000       .0000
  SPREAD                                 .0000             .0000       .0000
  STRIP                                  .3048             .0000      2.5450

  TOTAL NUMBER OF LOANS:  2382
  TOTAL BALANCE........:     475,149,431.84

                             ***************************
                             *      END OF REPORT      *
                             ***************************
  RUN ON     : 02/10/03           RFC DISCLOSURE SYSTEM       RFFSD177-01
  AT         : 11.44.07          FIXED RATE LOAN LISTING      AMORTIZED BALANCE
  SERIES     : RALI 2003-QS1                                  CUTOFF : 01/01/03
  POOL       : 0004654
             :
             :
  POOL STATUS: F

  RFC LOAN #     S/S CODE          PMT TYPE      ORIGINAL BAL     LOAN FEATURE
                                   ORIG TERM     PRINCIPAL BAL    # OF UNITS
  ORIG RATE                                      ORIGINAL P+I     LTV
  CURR NET                                       CURRENT P+I
  CITY           STATE  ZIP        LOAN PURP     NOTE DATE        MI CO CODE
  SERVICER LOAN #                  PROP TYPE     1ST PMT DATE     MI CVG
  SELLER LOAN #                    OCCP CODE     MATURITY DATE
  INVESTOR LOAN #
  ______________________________________________________________________________

    6943574          601/G02             F          150,400.00         ZZ
                                         360        148,827.45          1
                                       7.125          1,013.28         80
                                       6.875          1,013.28
    DUNEDIN          FL   34698          2            12/18/01         00
    0433553047                           05           02/01/02          0
    61085973                             O            01/01/32
    0

    7668158          E22/G02             F          125,900.00         ZZ
                                         360        124,058.03          2
                                       7.875            912.86         72
                                       7.625            912.86
    LOUISVILLE       KY   40205          2            01/31/02         00
    0413521543                           05           03/01/02          0
    0413521543                           N            02/01/32
    0

    7686521          286/286             F           85,500.00         ZZ
                                         360         84,995.53          2
                                       8.250            642.34         90
                                       8.000            642.34
    ST LOUIS         MO   63118          1            03/27/02         11
    1052675                              05           05/01/02         25
    1052675                              N            04/01/32
    0

    7696829          U05/G02             F          271,500.00         ZZ
                                         360        269,962.19          1
                                       7.500          1,898.37         80
                                       7.250          1,898.37
    DESOTO           TX   75115          5            05/01/02         00
    0434173274                           05           07/01/02          0
1

    3215630                              O            06/01/32
    0

    7779363          N67/G02             F          400,000.00         ZZ
                                         360        397,782.32          1
                                       7.500          2,796.86         80
                                       7.250          2,796.86
    SCOTTSDALE       AZ   85255          1            04/30/02         00
    0434150504                           01           07/01/02          0
    1781001391A                          O            06/01/32
    0

    7812935          286/286             F           69,300.00         ZZ
                                         360         68,967.92          3
                                       8.000            508.50         90
                                       7.750            508.50
    BREMERTON        WA   98337          1            05/10/02         11
    820610                               05           07/01/02         25
    820610                               N            06/01/32
    0

    7815079          286/286             F          112,500.00         ZZ
                                         360        110,822.44          1
                                       7.500            786.62         91
                                       7.250            786.62
    COON RAPIDS      MN   55433          1            05/29/02         14
    1296397                              05           07/01/02         25
    1296397                              N            06/01/32
    0

    7879147          U42/G02             F          536,800.00         ZZ
                                         360        535,336.29          1
                                       6.500          3,392.94         80
                                       6.250          3,392.94
    HEATH            TX   75032          5            09/24/02         00
    0435066048                           05           11/01/02          0
    12201628                             O            10/01/32
    0

    7890909          964/G02             F          178,500.00         ZZ
                                         360        177,877.67          3
                                       7.875          1,294.24         75
                                       7.625          1,294.25
    RENO             NV   89502          2            07/03/02         00
    0434350682                           05           09/01/02          0
    210201                               N            08/01/32
    0

1

    7890941          964/G02             F          137,900.00         ZZ
                                         360        137,244.73          1
                                       7.250            940.72         80
                                       7.000            940.72
    DALLAS           OR   97338          1            06/28/02         00
    0434350492                           05           08/01/02          0
    222951                               O            07/01/32
    0

    7907093          E82/G02             F          126,400.00         ZZ
                                         360        125,862.92          1
                                       6.875            830.36         85
                                       6.625            830.36
    HOUSTON          TX   77018          2            07/31/02         04
    0400646642                           05           09/01/02         12
    0400646642                           O            08/01/32
    0

    7920817          369/G02             F          361,250.00         ZZ
                                         360        359,925.94          1
                                       7.625          2,556.91         85
                                       7.375          2,556.91
    SAN ANTONIO      TX   78232          1            07/19/02         14
    0434394995                           05           09/01/02         12
    0074220641                           O            08/01/32
    0

    7938167          E22/G02             F          180,200.00         ZZ
                                         360        179,589.21          1
                                       6.875          1,183.79         85
                                       6.625          1,183.79
    CORAL SPRINGS    FL   33076          1            08/09/02         04
    0414624163                           03           10/01/02         25
    0414624163                           O            09/01/32
    0

    7949305          964/G02             F          220,000.00         ZZ
                                         360        219,086.71          2
                                       7.000          1,463.66         80
                                       6.750          1,463.67
    MONROE           WA   98272          1            07/10/02         00
    0434399390                           05           09/01/02          0
    225443                               O            08/01/32
    0

    7949311          964/G02             F          131,600.00         ZZ
                                         360        131,054.33          1
                                       7.000            875.53         80
                                       6.750            875.53
1

    PUYALLUP         WA   98371          1            07/10/02         00
    0434399432                           05           09/01/02          0
    225793                               O            08/01/32
    0

    7958779          964/G02             F          110,300.00         ZZ
                                         360        109,730.50          1
                                       6.750            715.40         80
                                       6.500            715.40
    ALBANY           OR   97321          1            07/18/02         00
    0434432282                           05           09/01/02          0
    228429                               O            08/01/32
    0

    7978539          E22/G02             F          360,000.00         ZZ
                                         360        358,718.96          1
                                       6.625          2,305.12         63
                                       6.375          2,305.12
    BOYNTON BEACH    FL   33436          1            08/23/02         00
    0414683649                           03           10/01/02          0
    0414683649                           O            09/01/32
    0

    7986901          642/G02             F          220,500.00         ZZ
                                         360        219,696.17          1
                                       6.500          1,393.71         90
                                       6.250          1,393.71
    FRIDAY HARBOR    WA   98250          1            08/22/02         41
    0434490678                           05           10/01/02         25
    08-1149-02                           O            09/01/32
    0

    8011697          313/G02             F           70,400.00         ZZ
                                         360         70,135.45          1
                                       7.500            492.25         80
                                       7.250            492.25
    CHICAGO          IL   60643          2            08/09/02         00
    0434506440                           05           09/01/02          0
    8867228                              N            08/01/32
    0

    8022213          806/G02             F          156,800.00         ZZ
                                         360        156,090.77          1
                                       7.500          1,096.37         80
                                       7.250          1,096.37
    LAS VEGAS        NV   89110          1            06/03/02         00
    0434784369                           03           08/01/02          0
    114008119                            O            07/01/32
    0
1

    8046299          U05/G02             F          165,650.00         ZZ
                                         360        165,102.11          1
                                       7.000          1,102.07         80
                                       6.750          1,102.07
    DALLAS           TX   75243          5            08/29/02         00
    0435134937                           03           10/01/02          0
    3258023                              O            09/01/32
    0

    8048543          H58/G02             F          182,750.00         ZZ
                                         360        182,229.07          4
                                       7.750          1,309.24         85
                                       7.250          1,309.24
    BAKERSFIELD      CA   93305          1            08/14/02         10
    0434592291                           05           10/01/02         12
    105824                               N            09/01/32
    0

    8051187          E22/G02             F          137,900.00         ZZ
                                         360        137,575.33          1
                                       7.250            940.72         80
                                       7.000            940.72
    MIAMI            FL   33129          1            09/11/02         00
    0414738047                           06           11/01/02          0
    0414738047                           O            10/01/32
    0

    8053533          E22/G02             F          116,000.00         ZZ
                                         360        115,740.11          1
                                       7.500            811.09         80
                                       7.250            811.09
    MONTGOMERY       TX   77356          5            09/16/02         00
    0414781831                           03           11/01/02          0
    0414781831                           O            10/01/32
    0

    8058489          M27/G02             F          126,000.00         ZZ
                                         360        125,664.66          1
                                       6.625            806.79         90
                                       6.375            806.79
    NASHVILLE        TN   37212          1            09/16/02         01
    0435112446                           01           11/01/02         25
    5000085034                           N            10/01/32
    0

    8058639          738/G02             F           97,000.00         ZZ
                                         360         96,759.85          1
1

                                       7.000            645.35         78
                                       6.750            645.35
    COCONUT CREEK    FL   33063          2            09/06/02         00
    0434630984                           01           11/01/02          0
    40562159                             O            10/01/32
    0

    8066685          E22/G02             F          112,500.00         ZZ
                                         360        112,214.85          1
                                       6.875            739.04         90
                                       6.625            739.04
    SALIDA           CO   81201          1            09/26/02         01
    0414908699                           05           11/01/02         35
    0414908699                           O            10/01/32
    0

    8068211          420/G02             F          112,500.00         ZZ
                                         360        112,068.69          2
                                       7.500            786.62         90
                                       7.250            786.62
    DESERT HOT SPRI  CA   92240          1            09/09/02         10
    0434652897                           05           11/01/02         25
    72002789                             N            10/01/32
    0

    8070755          X91/G02             F          268,000.00         ZZ
                                         360        267,320.67          1
                                       6.875          1,760.57         95
                                       6.625          1,760.57
    KAPOLEI          HI   96707          5            09/16/02         41
    0434754206                           05           11/01/02         30
    801851                               O            10/01/32
    0

    8073625          E47/G02             F          112,500.00         ZZ
                                         360        112,221.72          2
                                       7.000            748.47         90
                                       6.750            748.47
    BLUE ISLAND      IL   60406          1            09/18/02         11
    0434983532                           05           11/01/02         25
    7360514005                           N            10/01/32
    0

    8073861          P44/G02             F          200,000.00         ZZ
                                         360        199,413.85          1
                                       6.125          1,215.22         71
                                       5.875          1,215.22
    WHITMAN          MA   02382          1            09/27/02         00
    0434666301                           05           11/01/02          0
1

    20020706                             O            10/01/32
    0

    8074291          W39/G02             F           90,250.00         ZZ
                                         360         90,057.64          1
                                       7.750            646.57         95
                                       7.500            646.57
    FORT WORTH       TX   76133          2            09/20/02         01
    0434669255                           05           11/01/02         30
    PNI21274                             O            10/01/32
    0

    8076943          738/G02             F          209,000.00         ZZ
                                         360        208,483.03          1
                                       7.000          1,390.49         95
                                       6.750          1,390.49
    PEMBROKE PINES   FL   33026          1            09/26/02         10
    0435190566                           09           11/01/02         30
    40645157                             O            10/01/32
    0

    8080255          806/G02             F          148,950.00         ZZ
                                         360        148,391.90          1
                                       6.750            966.09         80
                                       6.500            966.09
    LAS VEGAS        NV   89110          1            08/06/02         00
    0434709465                           03           10/01/02          0
    1140009029                           O            09/01/32
    0

    8086787          737/G02             F          324,000.00         ZZ
                                         360        323,309.52          3
                                       7.750          2,321.18         80
                                       7.500          2,321.18
    ORANGE           CA   92866          1            09/20/02         00
    0434784955                           05           11/01/02          0
    2088477                              N            10/01/32
    0

    8086935          E45/G02             F          150,000.00         ZZ
                                         360        149,570.78          1
                                       6.250            923.58         77
                                       6.000            923.58
    ROCKMART         GA   30053          2            09/12/02         00
    0434666285                           05           11/01/02          0
    82766                                O            10/01/32
    0

1

    8087643          M37/G02             F           91,700.00         ZZ
                                         360         91,443.85          1
                                       6.375            572.09         90
                                       6.125            572.09
    ALBUQUERQUE      NM   87105          2            09/23/02         04
    0434700522                           05           11/01/02         25
    609204                               O            10/01/32
    0

    8090369          U05/G02             F          320,000.00         ZZ
                                         360        319,127.43          1
                                       6.500          2,022.62         80
                                       6.250          2,022.62
    RICHMOND         TX   77469          5            09/20/02         00
    0435117874                           03           11/01/02          0
    3261064                              O            10/01/32
    0

    8097139          E22/G02             F          637,000.00         ZZ
                                         360        635,872.88          1
                                       6.625          4,078.78         70
                                       6.375          4,078.78
    PACIFIC PALISAD  CA   90272          5            10/02/02         00
    0415083955                           05           12/01/02          0
    0415083955                           O            11/01/32
    0

    8100823          T44/G02             F          136,800.00         ZZ
                                         360        136,477.91          2
                                       7.250            933.22         90
                                       7.000            933.22
    CALIFORNIA CITY  CA   93505          1            09/17/02         01
    0434784351                           05           11/01/02         25
    1051537                              N            10/01/32
    0

    8101091          K15/G02             F          189,000.00         ZZ
                                         360        188,555.02          1
                                       7.250          1,289.31         90
                                       7.000          1,289.31
    MENTOR           OH   44060          5            09/25/02         41
    0434844965                           05           11/01/02         25
    028005304231                         O            10/01/32
    0

    8101277          E47/G02             F          428,000.00         ZZ
                                         360        426,832.95          1
                                       6.500          2,705.25         80
                                       6.250          2,705.25
1

    SAN ANTONIO      TX   78258          5            09/25/02         00
    0435144860                           03           11/01/02          0
    7362511449                           O            10/01/32
    0

    8101755          E47/G02             F           63,400.00         ZZ
                                         360         63,261.46          1
                                       7.625            448.74         80
                                       7.375            448.74
    SAN ANTONIO      TX   78228          2            09/30/02         00
    0435146865                           05           11/01/02          0
    7329012508                           O            10/01/32
    0

    8103169          N74/G02             F           72,000.00         ZZ
                                         360         71,866.32          1
                                       7.750            515.82         80
                                       7.500            515.82
    RIVIERA BEACH    FL   33404          5            10/07/02         00
    0434786521                           05           12/01/02          0
    0030871010                           N            11/01/32
    0

    8103581          F89/G02             F           88,200.00         ZZ
                                         360         87,959.51          1
                                       6.500            557.48         70
                                       6.250            557.48
    LAS VEGAS        NV   89110          2            09/24/02         00
    0434772976                           05           11/01/02          0
    23335                                O            10/01/32
    0

    8105477          624/G02             F          445,000.00         ZZ
                                         360        443,756.94          1
                                       6.375          2,776.22         43
                                       6.125          2,776.22
    NEWPORT BEACH    CA   92660          5            09/09/02         00
    0434703567                           03           11/01/02          0
    1000010131                           O            10/01/32
    0

    8110141          E22/G02             F          199,500.00         ZZ
                                         360        199,129.46          1
                                       6.375          1,244.62         95
                                       6.125          1,244.62
    SAINT ALBANS     VT   05478          5            10/09/02         04
    0414897488                           05           12/01/02         30
    0414897488                           O            11/01/32
    0
1

    8111111          U42/G02             F          108,800.00         ZZ
                                         360        108,625.45          1
                                       7.125            733.01         80
                                       6.875            733.01
    AUSTIN           TX   78704          1            10/02/02         00
    0435132311                           05           12/01/02          0
    10201969                             N            11/01/32
    0

    8115011          E45/G02             F          354,000.00         ZZ
                                         360        353,102.67          1
                                       6.875          2,325.53         80
                                       6.625          2,325.53
    ARLINGTON        MA   02474          5            09/20/02         00
    0434791521                           05           11/01/02          0
    255596                               O            10/01/32
    0

    8115823          G34/G02             F           36,000.00         ZZ
                                         360         35,921.32          1
                                       7.625            254.81         80
                                       7.375            254.81
    OXON HILL        MD   20745          1            09/30/02         00
    0434796942                           01           11/01/02          0
    85206219                             N            10/01/32
    0

    8117163          N67/G02             F          148,500.00         ZZ
                                         360        148,183.54          1
                                       7.750          1,063.87         90
                                       7.500          1,063.87
    NORTH LAS VEGAS  NV   89032          1            09/26/02         01
    0434758769                           05           11/01/02         30
    1162000516A                          O            10/01/32
    0

    8122645          U05/G02             F          121,500.00         ZZ
                                         360        121,206.78          2
                                       7.125            818.57         90
                                       6.875            818.57
    PARMA            OH   44134          1            09/27/02         14
    0435137807                           05           11/01/02         25
    3263008                              N            10/01/32
    0

    8122649          U05/G02             F          309,500.00         ZZ
                                         360        308,676.28          1
1

                                       6.625          1,981.76         64
                                       6.375          1,981.76
    CARMICHAEL       CA   95608          2            09/24/02         00
    0435116520                           05           11/01/02          0
    3267654                              O            10/01/32
    0

    8122703          U05/G02             F          314,000.00         ZZ
                                         360        313,444.39          1
                                       6.625          2,010.58         79
                                       6.375          2,010.58
    BURNET           TX   78611          2            10/09/02         00
    0435067921                           05           12/01/02          0
    3267597                              O            11/01/32
    0

    8125005          N67/G02             F          231,600.00         ZZ
                                         360        231,041.09          1
                                       7.125          1,560.33         80
                                       6.875          1,560.33
    WINDSOR          CO   80550          1            09/30/02         00
    0434753943                           03           11/01/02          0
    1162000547A                          O            10/01/32
    0

    8125021          N67/G02             F          439,000.00         ZZ
                                         360        437,773.71          1
                                       6.375          2,738.79         54
                                       6.125          2,738.79
    SCOTTSDALE       AZ   85262          2            09/13/02         00
    0434753950                           03           11/01/02          0
    1760003112A                          O            10/01/32
    0

    8126991          253/253             F           50,310.00         ZZ
                                         360         50,194.44          1
                                       7.375            347.48         90
                                       7.125            347.48
    BALTIMORE        MD   21216          1            09/26/02         10
    436696                               07           11/01/02         25
    436696                               N            10/01/32
    0

    8127497          696/G02             F          434,000.00         ZZ
                                         360        433,193.92          1
                                       6.375          2,707.60         75
                                       6.125          2,707.60
    CLIFTON          VA   20124          5            10/15/02         00
    0435126586                           05           12/01/02          0
1

    21402133                             O            11/01/32
    0

    8128815          P09/G02             F          280,000.00         ZZ
                                         360        279,411.19          1
                                       6.700          1,806.78         95
                                       6.450          1,806.78
    UPPER MARLBORO   MD   20774          2            10/15/02         10
    0434803391                           03           12/01/02         30
    R0209056                             O            11/01/32
    0

    8130453          721/G02             F           77,700.00         ZZ
                                         360         77,434.26          1
                                       6.250            478.42         71
                                       6.000            478.42
    HERMITAGE        TN   37076          5            09/09/02         00
    0434793923                           05           11/01/02          0
    7891200358                           O            10/01/32
    0

    8130777          742/G02             F           97,500.00         ZZ
                                         360         97,343.59          1
                                       7.125            656.88         75
                                       6.875            656.88
    HIGHLAND         NY   12528          1            10/08/02         00
    0435176029                           05           12/01/02          0
    5712831                              O            11/01/32
    0

    8132827          883/G02             F          164,350.00         ZZ
                                         360        164,099.13          1
                                       7.375          1,135.12         95
                                       7.125          1,135.12
    PHENIX CITY      AL   36870          5            10/08/02         10
    0435110341                           05           12/01/02         30
    05018732                             O            11/01/32
    0

    8133429          253/253             F           45,900.00         ZZ
                                         360         45,777.82          1
                                       6.625            293.91         90
                                       6.375            293.91
    FORT WORTH       TX   76148          1            09/30/02         14
    436988                               05           11/01/02         25
    436988                               N            10/01/32
    0

1

    8135169          R84/G02             F          141,100.00         ZZ
                                         360        140,742.33          1
                                       6.875            926.93         85
                                       6.625            926.93
    NORTH LAS VEGAS  NV   89032          5            09/24/02         11
    0434795233                           05           11/01/02         12
    WA800700                             O            10/01/32
    0

    8137853          U05/G02             F          157,600.00         ZZ
                                         360        157,307.28          1
                                       6.375            983.22         80
                                       6.125            983.22
    VANCOUVER        WA   98682          1            10/07/02         00
    0434897773                           05           12/01/02          0
    3255492                              O            11/01/32
    0

    8138043          U05/G02             F           66,000.00         ZZ
                                         360         65,640.87          1
                                       6.500            417.16         58
                                       6.250            417.16
    ELMIRA           OR   97437          1            10/07/02         00
    0434796835                           05           12/01/02          0
    3265883                              N            11/01/32
    0

    8138109          X75/G02             F          408,000.00         ZZ
                                         360        407,260.32          1
                                       6.500          2,578.84         80
                                       6.250          2,578.84
    FAIRFIELD        CA   94534          5            10/08/02         00
    0435094321                           03           12/01/02          0
    02090242                             O            11/01/32
    0

    8140605          U05/G02             F          166,500.00         ZZ
                                         360        166,212.48          3
                                       6.750          1,079.92         88
                                       6.500          1,079.92
    CHICAGO          IL   60624          2            10/16/02         04
    0434809737                           05           12/01/02         25
    3269622                              O            11/01/32
    0

    8140761          E57/G02             F          320,000.00         ZZ
                                         360        319,405.67          1
                                       6.375          1,996.38         79
                                       6.125          1,996.38
1

    NORTH FORK       CA   93643          2            10/10/02         00
    0434823969                           05           12/01/02          0
    13002922                             O            11/01/32
    0

    8144583          A06/G02             F          102,000.00         ZZ
                                         360        101,819.52          1
                                       6.625            653.12         89
                                       6.375            653.12
    PONTIAC          MI   48340          5            10/19/02         11
    0434799847                           05           12/01/02         25
    025000020224121                      O            11/01/32
    0

    8145779          A06/G02             F          209,000.00         ZZ
                                         360        208,611.81          1
                                       6.375          1,303.89         88
                                       6.125          1,303.89
    SOUTHFIELD       MI   48034          1            10/17/02         11
    0434801247                           05           12/01/02         25
    025000020221731                      O            11/01/32
    0

    8147877          601/G02             F          121,000.00         ZZ
                                         360        120,791.05          1
                                       6.750            784.81         80
                                       6.500            784.81
    NAPLES           FL   34116          2            10/08/02         00
    0434798534                           05           12/01/02          0
    84365142                             O            11/01/32
    0

    8150745          E57/G02             F          144,900.00         ZZ
                                         360        144,630.87          2
                                       6.375            903.99         69
                                       6.125            903.99
    LOS ANGELES      CA   90059          5            10/18/02         00
    0434848412                           05           12/01/02          0
    06010377                             O            11/01/32
    0

    8153119          F28/G02             F          175,000.00         ZZ
                                         360        174,283.61          1
                                       8.000          1,284.09        100
                                       7.750          1,284.09
    BERKLEY          MI   48072          1            06/27/02         10
    0434794814                           05           08/01/02         35
    1850394                              O            07/01/32
    0
1

    8153179          F28/G02             F          134,300.00         ZZ
                                         360        133,983.78          1
                                       7.250            916.17        100
                                       7.000            916.17
    FORT MYERS       FL   33912          1            09/11/02         11
    0434795159                           05           11/01/02         35
    3637874                              O            10/01/32
    0

    8153197          940/G02             F           30,000.00         ZZ
                                         360         29,950.68          1
                                       7.000            199.59         43
                                       6.750            199.59
    HESPERIA         CA   92345          1            10/16/02         00
    0434829545                           05           12/01/02          0
    65020443                             O            11/01/32
    0

    8153257          W93/G02             F          121,600.00         ZZ
                                         360        121,384.83          1
                                       6.625            778.62         80
                                       6.375            778.62
    LAS VEGAS        NV   89145          1            10/14/02         00
    0434793709                           05           12/01/02          0
    35414249                             O            11/01/32
    0

    8156579          X31/G02             F           84,500.00         ZZ
                                         360         84,255.10          1
                                       7.500            590.84         65
                                       7.250            590.84
    SAN BERNARDINO   CA   92404          5            10/21/02         00
    0434948220                           05           12/01/02          0
    11001390                             O            11/01/32
    0

    8157297          758/G02             F           74,700.00         ZZ
                                         360         74,571.02          1
                                       6.750            484.50         90
                                       6.500            484.50
    COLLEGE STATION  TX   77840          1            10/15/02         11
    0435122650                           05           12/01/02         25
    201385                               N            11/01/32
    0

    8157647          E22/G02             F           92,000.00         ZZ
                                         360         91,833.21          1
1

                                       6.500            581.50         80
                                       6.250            581.50
    HOUSTON          TX   77083          5            10/25/02         00
    0415019587                           03           12/01/02          0
    0415019587                           O            11/01/32
    0

    8159585          X64/G02             F          160,000.00         ZZ
                                         360        159,695.57          1
                                       6.250            985.15         73
                                       6.000            985.15
    LIVONIA          MI   48150          5            10/22/02         00
    0435148846                           05           12/01/02          0
    0634264                              O            11/01/32
    0

    8160707          956/G02             F          326,000.00         ZZ
                                         360        325,394.51          1
                                       6.375          2,033.82         34
                                       6.125          2,033.82
    BELL CANYON      CA   91307          2            10/15/02         00
    0434855789                           05           12/01/02          0
    512100005                            O            11/01/32
    0

    8161485          E22/G02             F          188,000.00         ZZ
                                         360        187,658.16          1
                                       6.500          1,188.29         80
                                       6.250          1,188.29
    SEATTLE          WA   98107          1            10/23/02         00
    0415123967                           05           12/01/02          0
    0415123967                           O            11/01/32
    0

    8161535          E22/G02             F          181,000.00         ZZ
                                         360        180,695.01          1
                                       6.875          1,189.04         73
                                       6.625          1,189.04
    CAMERON PARK     CA   95682          2            10/21/02         00
    0415177633                           05           12/01/02          0
    0415177633                           O            11/01/32
    0

    8163255          E47/G02             F          188,000.00         ZZ
                                         360        187,650.81          1
                                       6.375          1,172.88         79
                                       6.125          1,172.88
    SALIDA           CA   95368          5            10/09/02         00
    0435110630                           05           12/01/02          0
1

    7359520481                           O            11/01/32
    0

    8164427          M82/G02             F          189,500.00         ZZ
                                         360        189,180.66          1
                                       6.875          1,244.89         84
                                       6.625          1,244.89
    GAINESVILLE      GA   30506          2            10/25/02         12
    0434969036                           03           12/01/02         12
    10496                                O            11/01/32
    0

    8167051          E47/G02             F          256,000.00         ZZ
                                         360        255,512.92          1
                                       6.250          1,576.24         80
                                       6.000          1,576.24
    SPRING BRANCH    TX   78070          5            10/23/02         00
    0435112180                           05           12/01/02          0
    7362511487                           O            11/01/32
    0

    8168761          E22/G02             F          255,000.00         ZZ
                                         360        254,600.95          1
                                       7.250          1,739.55         85
                                       7.000          1,739.55
    STOCKBRIDGE      GA   30281          5            10/30/02         01
    0415227420                           05           12/01/02         12
    0415227420                           O            11/01/32
    0

    8169273          W35/G02             F           36,000.00         ZZ
                                         360         35,894.24          1
                                       7.600            254.19         52
                                       7.350            254.19
    KOKOMO           IN   46901          5            09/23/02         00
    0434855615                           05           10/27/02          0
    12896                                O            09/27/32
    0

    8170695          G34/G02             F          204,300.00         ZZ
                                         360        203,827.05          2
                                       7.250          1,393.69         90
                                       7.000          1,393.69
    NORTH LAS VEGAS  NV   89030          1            10/29/02         10
    0434886271                           05           12/01/02         25
    39012167                             N            11/01/32
    0

1

    8170821          K15/G02             F          168,000.00         ZZ
                                         360        167,840.60          2
                                       6.250          1,034.40         80
                                       6.000          1,034.40
    MILFORD          NH   03055          2            10/28/02         00
    0434911681                           05           01/01/03          0
    033305306463                         O            12/01/32
    0

    8172969          X08/G02             F           98,400.00         ZZ
                                         360         98,221.62          1
                                       6.500            621.95         80
                                       6.250            621.95
    PLEASANT GROVE   UT   84062          2            10/17/02         00
    0434894655                           05           12/01/02          0
    6014932                              O            11/01/32
    0

    8179713          U05/G02             F           80,000.00         ZZ
                                         360         79,865.20          1
                                       6.875            525.54         19
                                       6.625            525.54
    AUSTIN           TX   78733          5            10/21/02         00
    0435014287                           05           12/01/02          0
    3264666                              O            11/01/32
    0

    8179793          783/G02             F          184,500.00         ZZ
                                         360        184,148.97          1
                                       6.250          1,136.00         44
                                       6.000          1,136.00
    SNOHOMISH        WA   98290          2            10/25/02         00
    0434896759                           05           12/01/02          0
    9420150019                           O            11/01/32
    0

    8181451          940/G02             F          181,900.00         ZZ
                                         360        181,553.92          1
                                       6.250          1,119.99         76
                                       6.000          1,119.99
    APPLE VALLEY     CA   92307          5            10/21/02         00
    0434896197                           05           12/01/02          0
    65010620                             O            11/01/32
    0

    8183023          964/G02             F          229,500.00         ZZ
                                         360        228,648.27          1
                                       6.250          1,413.07         75
                                       6.000          1,413.07
1

    LAYTON           UT   84040          2            10/21/02         00
    0434842795                           05           12/01/02          0
    266217                               O            11/01/32
    0

    8183091          964/G02             F          220,000.00         ZZ
                                         360        219,550.31          1
                                       5.875          1,301.38         58
                                       5.625          1,301.38
    PORTLAND         OR   97266          5            10/16/02         00
    0434844585                           05           12/01/02          0
    272969                               O            11/01/32
    0

    8183157          964/G02             F          144,000.00         ZZ
                                         360        143,726.03          1
                                       6.250            886.63         72
                                       6.000            886.63
    NINE MILE FALLS  WA   99026          5            10/15/02         00
    0434855722                           05           12/01/02          0
    252466                               O            11/01/32
    0

    8183191          964/G02             F           79,200.00         ZZ
                                         360         79,056.41          1
                                       6.500            500.60         80
                                       6.250            500.60
    ARLINGTON        TX   76018          1            10/24/02         00
    0434858874                           05           12/01/02          0
    284615                               O            11/01/32
    0

    8184131          G34/G02             F          108,900.00         ZZ
                                         360        108,720.96          1
                                       7.000            724.51         90
                                       6.750            724.51
    LAS VEGAS        NV   89108          1            10/28/02         10
    0434915864                           05           12/01/02         25
    39012280                             N            11/01/32
    0

    8184583          M27/G02             F          360,000.00         ZZ
                                         360        359,331.37          1
                                       6.375          2,245.93         80
                                       6.125          2,245.93
    PORT SAINT JOE   FL   32456          2            10/30/02         00
    0435110697                           05           12/01/02          0
    60083041                             N            11/01/32
    0
1

    8184657          E22/G02             F          128,150.00         ZZ
                                         360        128,039.66          1
                                       6.750            831.18         95
                                       6.500            831.18
    CONYERS          GA   30013          1            11/07/02         01
    0415011717                           05           01/01/03         35
    0415011717                           O            12/01/32
    0

    8184953          T44/G02             F          190,000.00         ZZ
                                         360        189,663.81          1
                                       6.625          1,216.59         75
                                       6.375          1,216.59
    CHINO            CA   91710          5            10/24/02         00
    0435113840                           05           12/01/02          0
    1056887                              N            11/01/32
    0

    8186341          P09/G02             F          120,600.00         ZZ
                                         360        120,376.00          1
                                       6.375            752.39         80
                                       6.125            752.39
    DISTRICT HEIGHT  MD   20747          2            10/18/02         00
    0434907648                           05           12/01/02          0
    SPRIGGS                              O            11/01/32
    0

    8188007          313/G02             F           40,000.00         ZZ
                                         360         39,903.46          1
                                       7.125            269.49         77
                                       6.875            269.49
    BALTIMORE        MD   21230          5            08/27/02         00
    0434869210                           07           11/01/02          0
    8789877                              N            10/01/32
    0

    8188017          313/G02             F          225,000.00         ZZ
                                         360        224,386.46          1
                                       6.500          1,422.16         90
                                       6.250          1,422.16
    DENVER           CO   80205          1            09/12/02         11
    0434867156                           05           11/01/02         25
    8975518                              N            10/01/32
    0

    8188019          313/G02             F          121,600.00         ZZ
                                         360        121,276.36          1
1

                                       6.625            778.62         95
                                       6.375            778.62
    JOLIET           IL   60432          5            09/09/02         11
    0434868311                           05           11/01/02         30
    8944688                              O            10/01/32
    0

    8188029          313/G02             F          225,000.00         ZZ
                                         360        224,479.73          4
                                       7.500          1,573.24         90
                                       7.250          1,573.24
    LOS ANGELES      CA   90011          1            09/09/02         02
    0434867826                           05           11/01/02         25
    8944464                              N            10/01/32
    0

    8188037          313/G02             F          310,000.00         ZZ
                                         360        309,194.76          1
                                       6.750          2,010.66         57
                                       6.500          2,010.66
    CUPERTINO        CA   95014          2            09/10/02         00
    0434867842                           09           11/01/02          0
    8874497                              O            10/01/32
    0

    8188049          313/G02             F          277,100.00         ZZ
                                         360        276,447.56          4
                                       7.250          1,890.32         90
                                       7.000          1,890.32
    SNELLVILLE       GA   30078          1            09/13/02         11
    0434867917                           05           11/01/02         25
    8942559                              N            10/01/32
    0

    8188103          313/G02             F           53,100.00         ZZ
                                         360         52,940.86          1
                                       7.500            371.29         90
                                       7.250            371.29
    MEMPHIS          TN   38122          1            08/23/02         11
    0434869228                           05           10/01/02         25
    8877490                              N            09/01/32
    0

    8188127          313/G02             F          112,000.00         ZZ
                                         360        111,791.97          1
                                       6.375            698.74         73
                                       6.125            698.74
    GLENDALE HEIGHT  IL   60139          5            10/03/02         00
    0434868097                           01           12/01/02          0
1

    8912008                              O            11/01/32
    0

    8188129          313/G02             F          132,000.00         ZZ
                                         360        131,631.27          1
                                       6.375            823.51         80
                                       6.125            823.51
    MILLINGTON       TN   38053          2            10/01/02         00
    0434861589                           05           11/01/02          0
    8948549                              O            10/01/32
    0

    8188255          940/G02             F           95,850.00         ZZ
                                         360         95,684.49          1
                                       6.750            621.68         76
                                       6.500            621.68
    HESPERIA AREA    CA   92345          1            10/29/02         00
    0434916334                           05           12/01/02          0
    6902093                              N            11/01/32
    0

    8188293          E47/G02             F           81,000.00         ZZ
                                         360         80,853.14          1
                                       6.500            511.98         30
                                       6.250            511.98
    OAKLEY           CA   94561          5            10/15/02         00
    0434916995                           05           12/01/02          0
    7359520587                           O            11/01/32
    0

    8188485          K15/G02             F           98,600.00         ZZ
                                         360         98,449.48          1
                                       7.375            681.01         85
                                       7.125            681.01
    MADISON HEIGHTS  MI   48071          5            10/26/02         41
    0434912978                           05           12/01/02         12
    035205504957                         O            11/01/32
    0

    8189131          K31/G02             F          137,500.00         ZZ
                                         360        137,250.73          1
                                       6.500            869.09         80
                                       6.250            869.09
    DECATUR          GA   30033          2            10/25/02         00
    0434973731                           01           12/01/02          0
    932393                               O            11/01/32
    0

1

    8190391          E22/G02             F          203,200.00         ZZ
                                         360        203,016.31          1
                                       6.500          1,284.36         80
                                       6.250          1,284.36
    SOUTH LAKE TAHO  CA   96150          1            11/06/02         00
    0415311059                           05           01/01/03          0
    0415311059                           O            12/01/32
    0

    8190911          N47/G02             F           75,500.00         ZZ
                                         360         75,349.30          1
                                       6.000            452.66         54
                                       5.750            452.66
    SAN BERNARDINO   CA   92405          2            10/28/02         00
    0434946448                           05           12/01/02          0
    30500378                             O            11/01/32
    0

    8192191          X10/G02             F          128,000.00         ZZ
                                         360        127,884.28          1
                                       6.500            809.05         80
                                       6.250            809.05
    KATY             TX   77493          5            11/01/02         00
    0435112040                           05           01/01/03          0
    60000186                             O            12/01/32
    0

    8194513          225/G02             F          650,000.00         ZZ
                                         360        648,095.02          1
                                       6.125          3,949.47         73
                                       5.875          3,949.47
    ATLANTA          GA   30309          5            10/22/02         00
    0434962494                           05           12/01/02          0
    006850953                            O            11/01/32
    0

    8195365          F89/G02             F           91,700.00         ZZ
                                         360         91,529.69          1
                                       6.375            572.09         33
                                       6.125            572.09
    WILDOMAR         CA   92595          1            10/24/02         00
    0434963294                           05           12/01/02          0
    24177                                O            11/01/32
    0

    8195381          W40/G02             F          290,000.00         T
                                         360        289,461.39          1
                                       6.375          1,809.22         34
                                       6.125          1,809.22
1

    CEDAR            MI   49621          2            11/04/02         00
    0434941274                           05           12/01/02          0
    101013016                            O            11/01/32
    0

    8195587          964/G02             F          123,950.00         ZZ
                                         360        123,741.14          1
                                       6.875            814.26         64
                                       6.625            814.26
    AURORA           CO   80013          1            10/22/02         00
    0434862082                           03           12/01/02          0
    267852                               O            11/01/32
    0

    8195639          964/G02             F          215,950.00         ZZ
                                         360        215,594.95          1
                                       7.000          1,436.72         80
                                       6.750          1,436.72
    SEATTLE          WA   98133          1            10/09/02         00
    0434862330                           05           12/01/02          0
    275805                               O            11/01/32
    0

    8196787          642/G02             F          238,000.00         ZZ
                                         360        237,827.74          2
                                       7.625          1,684.55         70
                                       7.375          1,684.55
    GRAND RAPIDS     MI   49509          2            11/07/02         00
    0434940458                           05           01/01/03          0
    10-2394-02                           N            12/01/32
    0

    8200921          E47/G02             F           60,000.00         ZZ
                                         360         59,742.16          1
                                       6.875            394.16         80
                                       6.625            394.16
    ARNOLD           CA   95223          1            10/25/02         00
    0435126784                           01           12/01/02          0
    7333012668                           N            11/01/32
    0

    8200949          X71/G02             F          146,320.00         ZZ
                                         360        146,067.33          1
                                       6.750            949.03         59
                                       6.500            949.03
    OAKLAND          CA   94621          5            10/17/02         00
    0434957023                           05           12/01/02          0
    7440023                              O            11/01/32
    0
1

    8201141          313/G02             F          348,000.00         ZZ
                                         360        342,046.18          1
                                       6.625          2,228.29         77
                                       6.375          2,228.29
    MISSION VIEJO    CA   92691          2            09/23/02         00
    0434912036                           03           11/01/02          0
    8960981                              O            10/01/32
    0

    8201145          313/G02             F          355,500.00         ZZ
                                         360        354,553.83          1
                                       6.625          2,276.31         80
                                       6.375          2,276.31
    CERRITOS         CA   90703          2            09/27/02         00
    0434930780                           05           11/01/02          0
    9035981                              O            10/01/32
    0

    8201191          313/G02             F          348,750.00         ZZ
                                         360        347,727.89          1
                                       6.125          2,119.05         75
                                       5.875          2,119.05
    LA CANADA FLINT  CA   91011          2            09/26/02         00
    0434902045                           05           11/01/02          0
    8922213                              O            10/01/32
    0

    8201307          313/G02             F          325,000.00         ZZ
                                         360        324,299.59          1
                                       6.000          1,948.54         61
                                       5.750          1,948.54
    FOUNTAIN VALLEY  CA   92708          2            10/03/02         00
    0434901088                           05           12/01/02          0
    8955874                              O            11/01/32
    0

    8203273          W68/G02             F          136,000.00         ZZ
                                         360        135,807.40          1
                                       7.750            974.32         80
                                       7.500            974.32
    DALLAS           TX   75229          5            10/03/02         00
    0435012349                           05           12/01/02          0
    30721                                O            11/01/32
    0

    8203973          Q49/G02             F          225,000.00         ZZ
                                         240        224,554.81          1
1

                                       6.750          1,710.82         69
                                       6.500          1,710.82
    ROME             NY   13440          5            11/08/02         00
    0435125349                           05           01/01/03          0
    41413802                             O            12/01/22
    0

    8204045          A06/G02             F          160,250.00         ZZ
                                         360        159,945.10          1
                                       6.250            986.69         34
                                       6.000            986.69
    OXFORD           MI   48370          5            10/29/02         00
    0434956322                           05           12/01/02          0
    1000020225742                        O            11/01/32
    0

    8205383          F64/G02             F          168,750.00         ZZ
                                         360        168,485.93          2
                                       7.250          1,151.17         90
                                       7.000          1,151.17
    NORFOLK          VA   23513          1            11/05/02         14
    0434940334                           05           12/01/02         25
    FITTE2000000874                      N            11/01/32
    0

    8206003          E22/G02             F          144,000.00         ZZ
                                         360        143,876.02          1
                                       6.750            933.98         90
                                       6.500            933.98
    OWINGS MILLS     MD   21117          5            11/08/02         04
    0414793968                           05           01/01/03         25
    0414793968                           O            12/01/32
    0

    8206121          E22/G02             F           60,000.00         ZZ
                                         360         59,945.76          1
                                       6.500            379.24         79
                                       6.250            379.24
    DOUGLASVILLE     GA   30135          1            11/14/02         00
    0415138445                           05           01/01/03          0
    0415138445                           N            12/01/32
    0

    8206241          E22/G02             F          108,000.00         ZZ
                                         360        107,904.71          1
                                       6.625            691.54         70
                                       6.375            691.54
    DULUTH           GA   30096          5            11/08/02         00
    0415224591                           05           01/01/03          0
1

    0415224591                           O            12/01/32
    0

    8206947          K15/G02             F          100,100.00         ZZ
                                         360        100,007.29          1
                                       6.375            624.49         51
                                       6.125            624.49
    BRENTWOOD        NY   11717          5            11/06/02         00
    0434945036                           05           01/01/03          0
    02080505706                          O            12/01/32
    0

    8207533          T09/G02             F          300,700.00         ZZ
                                         360        300,407.74          1
                                       6.125          1,827.08         29
                                       5.875          1,827.08
    ARROYO GRANDE    CA   93420          2            11/07/02         00
    0434975132                           05           01/01/03          0
    2002227300                           O            12/01/32
    0

    8207537          737/G02             F          128,150.00         ZZ
                                         360        128,036.93          1
                                       6.625            820.56         95
                                       6.375            820.56
    FORTSON          GA   31808          1            11/07/02         01
    0434945226                           05           01/01/03         35
    2095138                              O            12/01/32
    0

    8207621          X82/G02             F          389,900.00         ZZ
                                         360        389,538.87          1
                                       6.375          2,432.47         80
                                       6.125          2,432.47
    STERLING         VA   20164          1            11/08/02         00
    0434944005                           03           01/01/03          0
    821325                               O            12/01/32
    0

    8207993          696/G02             F          360,000.00         ZZ
                                         360        359,347.36          1
                                       6.500          2,275.44         80
                                       6.250          2,275.44
    LEESBURG         VA   20175          1            10/30/02         00
    0434972980                           05           12/01/02          0
    24002176                             O            11/01/32
    0

1

    8208111          742/G02             F           85,000.00         ZZ
                                         360         84,919.35          1
                                       6.250            523.36         25
                                       6.000            523.36
    PEARL RIVER      NY   10965          5            11/12/02         00
    0434963880                           05           01/01/03          0
    5705447                              O            12/01/32
    0

    8208373          L86/G02             F          959,000.00         T
                                         360        958,133.05          1
                                       6.500          6,061.53         32
                                       6.250          6,061.53
    NEWPORT BEACH    CA   92625          2            11/07/02         00
    0434969168                           05           01/01/03          0
    10001307                             O            12/01/32
    0

    8208665          A06/G02             F          144,800.00         ZZ
                                         360        144,665.88          1
                                       6.375            903.37         80
                                       6.125            903.37
    WESTLAND         MI   48186          2            11/07/02         00
    0434938932                           05           01/01/03          0
    025000020223023                      O            12/01/32
    0

    8210269          U42/G02             F          148,000.00         ZZ
                                         360        147,881.65          1
                                       7.125            997.10         80
                                       6.875            997.10
    SACHSE           TX   75048          5            11/01/02         00
    0435096706                           05           01/01/03          0
    12202856                             O            12/01/32
    0

    8210423          967/G02             F          239,950.00         ZZ
                                         360        239,504.32          1
                                       6.375          1,496.98         80
                                       6.125          1,496.98
    SEATTLE          WA   98107          1            10/28/02         00
    0434989216                           05           12/01/02          0
    5776695                              O            11/01/32
    0

    8210779          U36/G02             F          446,400.00         ZZ
                                         360        445,570.88          1
                                       6.375          2,784.96         80
                                       6.125          2,784.96
1

    POTOMAC          MD   20854          1            10/15/02         00
    0435077003                           03           12/01/02          0
    824102002                            O            11/01/32
    0

    8211537          E82/G02             F          153,600.00         ZZ
                                         360        153,457.74          1
                                       6.375            958.26         78
                                       6.125            958.26
    SNELLVILLE       GA   30078          2            11/13/02         00
    0400729232                           03           01/01/03          0
    1781835                              O            12/01/32
    0

    8212457          W53/G02             F          250,500.00         ZZ
                                         360        250,088.12          1
                                       7.000          1,666.59         90
                                       6.750          1,666.59
    MONROE           GA   30656          2            10/28/02         11
    0435037239                           05           12/01/02         25
    1310001031                           O            11/01/32
    0

    8214159          Q57/G02             F          206,350.00         ZZ
                                         360        205,975.91          1
                                       6.500          1,304.27         80
                                       6.250          1,304.27
    SANTA ANA        CA   92703          2            10/25/02         00
    0434988473                           05           12/01/02          0
    32700065                             O            11/01/32
    0

    8214749          758/G02             F          123,850.00         ZZ
                                         360        123,740.73          1
                                       6.625            793.03         19
                                       6.375            793.03
    DALLAS           TX   75230          5            11/05/02         00
    0434996575                           05           01/01/03          0
    401959                               O            12/01/32
    0

    8215157          E22/G02             F          175,000.00         ZZ
                                         360        174,860.05          2
                                       7.125          1,179.01         90
                                       6.875          1,179.01
    CHICAGO          IL   60623          5            11/13/02         04
    0415079573                           05           01/01/03         12
    0415079573                           O            12/01/32
    0
1

    8215811          Q57/G02             F           68,000.00         ZZ
                                         360         67,940.01          1
                                       6.625            435.41         72
                                       6.375            435.41
    ARROW BEAR PARK  CA   92308          5            11/07/02         00
    0435136924                           05           01/01/03          0
    48400727                             O            12/01/32
    0

    8217291          X64/G02             F          267,000.00         ZZ
                                         360        266,479.66          1
                                       6.125          1,622.32         63
                                       5.875          1,622.32
    WEST BLOOMFIELD  MI   48323          5            10/21/02         00
    0435052980                           05           12/01/02          0
    91910801                             O            11/01/32
    0

    8218063          E11/G02             F          118,500.00         ZZ
                                         360        118,390.24          1
                                       6.375            739.29         60
                                       6.125            739.29
    MINNEAPOLIS      MN   55417          1            11/13/02         00
    0435119441                           05           01/01/03          0
    2001050060                           N            12/01/32
    0

    8218103          A46/G02             F           54,400.00         ZZ
                                         360         54,312.74          1
                                       7.125            366.50         80
                                       6.875            366.50
    BAYTOWN          TX   77520          2            10/25/02         00
    0434961637                           05           12/01/02          0
    0131604                              O            11/01/32
    0

    8218285          E22/G02             F          315,000.00         ZZ
                                         360        314,760.31          1
                                       7.375          2,175.63         90
                                       7.125          2,175.63
    CLARK            NJ   07066          1            11/19/02         01
    0415363738                           05           01/01/03         25
    0415363738                           O            12/01/32
    0

    8218341          E22/G02             F          200,000.00         ZZ
                                         360        199,831.97          1
1

                                       6.875          1,313.86         35
                                       6.625          1,313.86
    MAMARONECK       NY   10538          5            11/14/02         00
    0414780692                           05           01/01/03          0
    0414780692                           O            12/01/32
    0

    8218497          E22/G02             F           71,500.00         ZZ
                                         360         71,448.25          1
                                       7.625            506.07         72
                                       7.375            506.07
    ALLEN            TX   75002          5            11/19/02         00
    0415424068                           05           01/01/03          0
    0415424068                           N            12/01/32
    0

    8218741          A46/G02             F          161,200.00         ZZ
                                         360        161,050.70          1
                                       6.375          1,005.68         80
                                       6.125          1,005.68
    SAN LEON         TX   77539          1            11/07/02         00
    0435165717                           05           01/01/03          0
    0295125                              O            12/01/32
    0

    8219299          A52/G02             F           80,000.00         ZZ
                                         360         79,932.79          1
                                       6.875            525.54         80
                                       6.625            525.54
    ATLANTA          GA   30316          1            11/18/02         00
    0434970984                           05           01/01/03          0
    22185                                N            12/01/32
    0

    8220983          U05/G02             F          105,000.00         ZZ
                                         360        104,911.78          1
                                       6.875            689.78         75
                                       6.625            689.78
    ABERNATHY        TX   79311          1            11/08/02         00
    0435068374                           05           01/01/03          0
    3264693                              O            12/01/32
    0

    8221791          W93/G02             F          650,000.00         ZZ
                                         360        649,397.98          1
                                       6.375          4,055.15         79
                                       6.125          4,055.15
    SANTA ROSA       CA   95409          5            10/29/02         00
    0435112727                           03           01/01/03          0
1

    18185975                             O            12/01/32
    0

    8221975          R84/G02             F          188,000.00         ZZ
                                         360        187,817.27          1
                                       6.125          1,142.31         79
                                       5.875          1,142.31
    MURRRIETA        CA   92562          5            11/01/02         00
    0435087549                           05           01/01/03          0
    102317                               O            12/01/32
    0

    8222027          A48/G02             F          400,000.00         ZZ
                                         360        399,647.09          1
                                       6.625          2,561.24         80
                                       6.375          2,561.24
    FREMONT          CA   94538          5            11/01/02         00
    0435123864                           05           01/01/03          0
    8511027846                           O            12/01/32
    0

    8222033          E47/G02             F          162,400.00         ZZ
                                         360        162,105.58          1
                                       6.500          1,026.48         80
                                       6.250          1,026.48
    PLACERVILLE      CA   95667          1            10/28/02         00
    0434998217                           05           12/01/02          0
    7359512264                           O            11/01/32
    0

    8222123          W57/G02             F          602,700.00         ZZ
                                         360        601,525.43          1
                                       6.125          3,662.07         73
                                       5.875          3,662.07
    FLOWER MOUND     TX   75022          2            10/24/02         00
    0434961348                           03           12/01/02          0
    204835810                            O            11/01/32
    0

    8222233          E47/G02             F          164,800.00         ZZ
                                         360        164,661.55          1
                                       6.875          1,082.62         80
                                       6.625          1,082.62
    CONCORD          CA   94521          1            11/07/02         00
    0435109087                           01           01/01/03          0
    7359512048                           O            12/01/32
    0

1

    8222827          944/G02             F          385,000.00         ZZ
                                         360        384,634.69          1
                                       6.250          2,370.52         29
                                       6.000          2,370.52
    ROLLING HILLS E  CA   90274          5            11/04/02         00
    0434966446                           05           01/01/03          0
    W02031724                            O            12/01/32
    0

    8222923          E57/G02             F           51,750.00         ZZ
                                         360         51,706.52          1
                                       6.875            339.96         75
                                       6.625            339.96
    EL PASO          TX   79925          5            11/14/02         00
    0435156138                           05           01/01/03          0
    17004283                             N            12/01/32
    0

    8223321          Q87/G02             F          125,000.00         ZZ
                                         240        124,547.11          1
                                       7.500          1,006.99         50
                                       7.250          1,006.99
    BOWDON           GA   30108          5            11/14/02         00
    0435026976                           05           12/19/02          0
    ALJI02                               O            11/19/22
    0

    8223423          E57/G02             F           68,600.00         ZZ
                                         360         68,542.37          1
                                       6.875            450.65         75
                                       6.625            450.65
    EL PASO          TX   79932          5            11/14/02         00
    0435156260                           05           01/01/03          0
    17004282                             N            12/01/32
    0

    8223851          E22/G02             F          600,000.00         ZZ
                                         360        599,470.63          1
                                       6.625          3,841.87         80
                                       6.375          3,841.87
    MARTINEZ         GA   30907          2            11/13/02         00
    0414559492                           03           01/01/03          0
    0414559492                           O            12/01/32
    0

    8223861          E22/G02             F          100,000.00         T
                                         360         99,907.38          1
                                       6.375            623.87         18
                                       6.125            623.87
1

    FIRE ISLAND PIN  NY   11782          5            11/20/02         00
    0414992073                           05           01/01/03          0
    0414992073                           O            12/01/32
    0

    8224115          E22/G02             F          264,000.00         ZZ
                                         360        263,783.60          1
                                       7.000          1,756.40         80
                                       6.750          1,756.40
    BEDFORD          NH   03110          5            11/15/02         00
    0415464122                           01           01/01/03          0
    0415464122                           O            12/01/32
    0

    8225031          W39/G02             F          415,000.00         ZZ
                                         360        414,668.12          1
                                       7.125          2,795.94         80
                                       6.875          2,795.94
    EL PASO          TX   79912          5            11/14/02         00
    0435070024                           03           01/01/03          0
    PNI23650                             O            12/01/32
    0

    8225571          X82/G02             F        1,000,000.00         ZZ
                                         360        999,073.80          1
                                       6.375          6,238.70         55
                                       6.125          6,238.70
    SUFFOLK          VA   23434          2            11/07/02         00
    0435067426                           05           01/01/03          0
    833105                               O            12/01/32
    0

    8225597          T44/G02             F          364,000.00         ZZ
                                         360        363,694.20          1
                                       6.875          2,391.22         77
                                       6.625          2,391.22
    DUVALL           WA   98019          2            11/05/02         00
    0435156021                           05           01/01/03          0
    1053961                              O            12/01/32
    0

    8225617          H81/G02             F           68,000.00         ZZ
                                         360         67,938.52          1
                                       6.500            429.81         34
                                       6.250            429.81
    SLINGER          WI   53086          1            11/15/02         00
    0434996708                           05           01/01/03          0
    WH17181                              O            12/01/32
    0
1

    8226537          W58/G02             F          175,000.00         ZZ
                                         360        174,825.79          1
                                       6.000          1,049.21         39
                                       5.750          1,049.21
    SAN MARCOS       CA   92096          5            11/08/02         00
    0435001870                           05           01/01/03          0
    E020014060                           O            12/01/32
    0

    8226593          N47/G02             F          500,000.00         ZZ
                                         360        499,536.90          1
                                       6.375          3,119.35         14
                                       6.125          3,119.35
    BIG SUR          CA   93920          5            11/12/02         00
    0435067459                           05           01/01/03          0
    20500295                             O            12/01/32
    0

    8226667          G51/G02             F          220,500.00         ZZ
                                         360        220,336.36          1
                                       7.500          1,541.77         70
                                       7.250          1,541.77
    VAIL             CO   81657          1            11/14/02         00
    0435097407                           20           01/01/03          0
    28000063                             N            12/01/32
    0

    8226721          N47/G02             F          310,000.00         ZZ
                                         360        309,712.88          4
                                       6.375          1,934.00         51
                                       6.125          1,934.00
    OAKLAND          CA   94611          5            11/13/02         00
    0435119870                           05           01/01/03          0
    20500871                             O            12/01/32
    0

    8227175          E47/G02             F          340,000.00         ZZ
                                         360        339,353.10          1
                                       6.250          2,093.44         77
                                       6.000          2,093.44
    LAFAYETTE        CA   94549          5            10/24/02         00
    0435017686                           05           12/01/02          0
    7359520869                           O            11/01/32
    0

    8227269          E57/G02             F          343,000.00         ZZ
                                         360        342,689.93          1
1

                                       6.500          2,167.99         66
                                       6.250          2,167.99
    STEVENSON RANCH  CA   91381          2            11/11/02         00
    0435016159                           03           01/01/03          0
    17004231                             O            12/01/32
    0

    8227657          E82/G02             F           79,400.00         ZZ
                                         360         79,341.07          1
                                       7.500            555.18         78
                                       7.250            555.18
    RIVERDALE        GA   30274          2            11/22/02         00
    0400721593                           05           01/01/03          0
    5153276                              N            12/01/32
    0

    8227675          E82/G02             F           79,600.00         ZZ
                                         360         79,526.28          1
                                       6.375            496.60         63
                                       6.125            496.60
    SMYRNA           GA   30082          2            11/14/02         00
    0400713186                           05           01/01/03          0
    1667593                              N            12/01/32
    0

    8227785          E57/G02             F           62,400.00         ZZ
                                         360         62,347.58          1
                                       6.875            409.92         80
                                       6.625            409.92
    MORENO VALLEY    CA   92553          1            11/15/02         00
    0435116314                           09           01/01/03          0
    06010733                             N            12/01/32
    0

    8227825          E22/G02             F          226,400.00         ZZ
                                         360        226,205.07          2
                                       6.750          1,468.43         80
                                       6.500          1,468.43
    NEW BRUNSWICK    NJ   08901          1            11/21/02         00
    0415041102                           05           01/01/03          0
    0415041102                           O            12/01/32
    0

    8227931          E22/G02             F           70,000.00         ZZ
                                         240         69,855.12          1
                                       6.375            516.76         21
                                       6.125            516.76
    DENTON           TX   76207          1            11/21/02         00
    0415359454                           03           01/01/03          0
1

    0415359454                           O            12/01/22
    0

    8228973          P09/G02             F          115,000.00         ZZ
                                         360        114,888.23          1
                                       6.125            698.75         31
                                       5.875            698.75
    CLIFTON          VA   20124          5            11/19/02         00
    0435004288                           05           01/01/03          0
    SMARK                                O            12/01/32
    0

    8229065          E47/G02             F           74,000.00         ZZ
                                         360         73,934.71          1
                                       6.625            473.83         80
                                       6.375            473.83
    SAN ANTONIO      TX   78250          5            11/06/02         00
    0435185129                           03           01/01/03          0
    7329012773                           O            12/01/32
    0

    8229115          X64/G02             F          180,000.00         ZZ
                                         360        179,833.28          1
                                       6.375          1,122.97         80
                                       6.125          1,122.97
    PINCKNEY         MI   48169          5            11/14/02         00
    0435089081                           05           01/01/03          0
    MW6260                               O            12/01/32
    0

    8229155          940/G02             F           73,800.00         ZZ
                                         360         73,672.56          1
                                       6.750            478.67         90
                                       6.500            478.67
    VICTORVILLE      CA   92392          1            10/29/02         10
    0435169016                           05           12/01/02         25
    65020528                             O            11/01/32
    0

    8229279          830/G02             F          392,000.00         ZZ
                                         360        391,609.76          1
                                       6.000          2,350.24         80
                                       5.750          2,350.24
    SANDY            UT   84092          5            11/13/02         00
    0435010566                           05           01/01/03          0
    02110048                             O            12/01/32
    0

1

    8229361          A35/G02             F          295,000.00         ZZ
                                         360        294,733.32          1
                                       6.500          1,864.60         68
                                       6.250          1,864.60
    FORT MYERS       FL   33912          5            11/07/02         00
    0435116645                           03           01/01/03          0
    14234                                O            12/01/32
    0

    8229371          X44/G02             F          389,500.00         ZZ
                                         360        389,180.73          4
                                       7.000          2,591.35         95
                                       6.750          2,591.35
    BROOKLYN         NY   11221          1            11/18/02         10
    0435149919                           05           01/01/03         30
    0640447                              O            12/01/32
    0

    8229613          G34/G02             F           65,600.00         ZZ
                                         360         65,550.09          2
                                       7.375            453.08         70
                                       7.125            453.08
    ARLINGTON        TX   76015          2            11/12/02         00
    0435001334                           05           01/01/03          0
    85209484                             N            12/01/32
    0

    8229625          E11/G02             F          160,000.00         ZZ
                                         360        159,855.36          1
                                       6.500          1,011.31         80
                                       6.250          1,011.31
    MINNEAPOLIS      MN   55414          1            11/20/02         00
    0434998225                           05           01/01/03          0
    1                                    N            12/01/32
    0

    8230053          601/G02             F          162,000.00         ZZ
                                         360        161,706.31          1
                                       6.500          1,023.95         78
                                       6.250          1,023.95
    MARIETTA         GA   30062          2            10/17/02         00
    0434972246                           05           12/01/02          0
    62009642                             O            11/01/32
    0

    8230617          E82/G02             F           80,000.00         ZZ
                                         360         79,925.90          1
                                       6.375            499.10         24
                                       6.125            499.10
1

    RENO             NV   89511          2            11/21/02         00
    0400714812                           05           01/01/03          0
    1639569                              O            12/01/32
    0

    8230857          601/G02             F          101,500.00         ZZ
                                         360        101,324.73          1
                                       6.750            658.33         31
                                       6.500            658.33
    FRANKFORT        IL   60423          5            10/15/02         00
    0434962965                           05           12/01/02          0
    61949301                             O            11/01/32
    0

    8230897          601/G02             F          155,900.00         ZZ
                                         360        155,617.35          1
                                       6.500            985.40         16
                                       6.250            985.40
    JACKSONVILLE     FL   32259          2            10/16/02         00
    0434963666                           05           12/01/02          0
    61850079                             O            11/01/32
    0

    8231039          E22/G02             F          134,910.00         ZZ
                                         360        134,817.16          4
                                       7.875            978.19         90
                                       7.625            978.19
    RUTLAND          VT   05701          1            11/22/02         04
    0415292408                           05           01/01/03         25
    0415292408                           N            12/01/32
    0

    8231811          G34/G02             F           72,000.00         ZZ
                                         360         71,863.00          1
                                       6.250            443.32         80
                                       6.000            443.32
    ARLINGTON        TX   76010          5            10/23/02         00
    0435052246                           05           12/01/02          0
    85200360                             O            11/01/32
    0

    8232241          U05/G02             F          112,000.00         ZZ
                                         360        111,901.18          1
                                       6.625            717.15         80
                                       6.375            717.15
    GRAPEVINE        TX   76051          5            11/12/02         00
    0435115340                           05           01/01/03          0
    3274356                              O            12/01/32
    0
1

    8232797          601/G02             F          156,650.00         ZZ
                                         360        156,392.43          1
                                       7.000          1,042.20         95
                                       6.750          1,042.20
    MIDLAND          GA   31820          1            10/30/02         14
    0434960985                           05           12/01/02         30
    62042494                             O            11/01/32
    0

    8232861          B49/G02             F          394,250.00         ZZ
                                         360        393,866.81          1
                                       6.125          2,395.51         95
                                       5.875          2,395.51
    SILVERTHORNE     CO   80498          1            11/25/02         11
    0435017462                           03           01/01/03         30
    00028126060                          O            12/01/32
    0

    8232865          P09/G02             F           79,000.00         ZZ
                                         360         78,919.46          1
                                       5.875            467.31         35
                                       5.625            467.31
    ALEXANDRIA       VA   22314          5            11/21/02         00
    0435112255                           07           01/01/03          0
    R0210670                             O            12/01/32
    0

    8233097          F61/G02             F          243,800.00         ZZ
                                         360        243,574.20          1
                                       6.375          1,520.99         77
                                       6.125          1,520.99
    SEATTLE          WA   98119          2            11/19/02         00
    0435055025                           05           01/01/03          0
    021115S                              O            12/01/32
    0

    8233115          P09/G02             F          212,500.00         ZZ
                                         360        212,303.19          1
                                       6.375          1,325.72         84
                                       6.125          1,325.72
    STAFFORD         VA   22556          2            11/20/02         10
    0435020037                           05           01/01/03         12
    R0209189                             O            12/01/32
    0

    8233281          P09/G02             F          249,000.00         ZZ
                                         360        248,763.73          1
1

                                       6.250          1,533.14         83
                                       6.000          1,533.14
    CHESTERFIELD     VA   23838          2            11/21/02         10
    0435071477                           05           01/01/03         25
    R0208865                             O            12/01/32
    0

    8233771          601/G02             F          150,000.00         ZZ
                                         360        149,765.25          1
                                       7.250          1,023.27         25
                                       7.000          1,023.27
    LYONS            CO   80540          5            11/04/02         00
    0434961298                           05           12/01/02          0
    6209498                              O            11/01/32
    0

    8235245          E22/G02             F          285,000.00         ZZ
                                         360        284,723.00          1
                                       6.125          1,731.69         57
                                       5.875          1,731.69
    MIAMI            FL   33175          5            11/19/02         00
    0414775809                           05           01/01/03          0
    0414775809                           O            12/01/32
    0

    8235277          E22/G02             F          400,000.00         ZZ
                                         360        399,647.09          1
                                       6.625          2,561.24         80
                                       6.375          2,561.24
    SAN JOSE         CA   95131          5            11/15/02         00
    0415055979                           05           01/01/03          0
    0415055979                           O            12/01/32
    0

    8235325          Q87/G02             F          111,200.00         ZZ
                                         360        110,993.47          1
                                       6.375            693.74         80
                                       6.125            693.74
    INVERNESS        FL   34452          5            11/21/02         00
    0435008594                           05           12/26/02          0
    BORO06                               O            11/26/32
    0

    8236429          U42/G02             F          384,000.00         ZZ
                                         360        383,644.34          1
                                       6.375          2,395.66         80
                                       6.125          2,395.66
    LITTLETON        CO   80126          5            11/08/02         00
    0435017215                           03           01/01/03          0
1

    28200930                             O            12/01/32
    0

    8237135          313/G02             F           84,800.00         ZZ
                                         360         84,721.45          1
                                       6.375            529.05         80
                                       6.125            529.05
    BETHLEHEM        GA   30620          1            11/08/02         00
    0435110580                           05           01/01/03          0
    0009096231                           O            12/01/32
    0

    8237165          N47/G02             F          238,500.00         ZZ
                                         360        238,279.10          2
                                       6.375          1,487.93         53
                                       6.125          1,487.93
    BERKELEY         CA   94703          2            11/20/02         00
    0435077672                           05           01/01/03          0
    20500747                             O            12/01/32
    0

    8237887          E47/G02             F          240,000.00         ZZ
                                         360        239,772.28          1
                                       6.250          1,477.72         60
                                       6.000          1,477.72
    PLEASANTON       CA   94588          5            11/07/02         00
    0435052337                           09           01/01/03          0
    7359520906                           O            12/01/32
    0

    8237899          286/286             F          126,200.00         ZZ
                                         360        125,965.60          1
                                       6.375            787.33         32
                                       6.125            787.33
    CARLSBAD         CA   92009          5            10/24/02         00
    1626744                              01           12/01/02          0
    1626744                              O            11/01/32
    0

    8237915          286/286             F           63,200.00         ZZ
                                         360         63,098.60          1
                                       7.125            425.80         80
                                       6.875            425.80
    SAVANNAH         GA   31405          5            10/15/02         00
    1634961                              05           12/01/02          0
    1634961                              N            11/01/32
    0

1

    8238089          W02/G02             F           73,100.00         ZZ
                                         360         73,035.50          1
                                       6.625            468.07         85
                                       6.375            468.07
    JACKSONVILLE     FL   32210          5            11/06/02         14
    0435142443                           05           01/01/03         12
    1001710250                           O            12/01/32
    0

    8238451          E11/G02             F          141,600.00         ZZ
                                         360        141,468.85          1
                                       6.375            883.40         80
                                       6.125            883.40
    ST LOUIS PARK    MN   55416          1            11/22/02         00
    0435052873                           05           01/01/03          0
    0050001049423                        O            12/01/32
    0

    8239103          E22/G02             F          157,000.00         ZZ
                                         360        156,861.48          1
                                       6.625          1,005.29         90
                                       6.375          1,005.29
    MCALLEN          TX   78504          2            11/26/02         01
    0415302447                           05           01/01/03         25
    0415302447                           N            12/01/32
    0

    8239267          A35/G02             F          275,400.00         ZZ
                                         360        275,185.17          4
                                       7.250          1,878.71         90
                                       7.000          1,878.71
    HEMPSTEAD        NY   11550          1            11/14/02         14
    0435158548                           05           01/01/03         30
    LG14127                              N            12/01/32
    0

    8239269          L76/G02             F          146,000.00         ZZ
                                         360        145,861.47          1
                                       6.250            898.95         80
                                       6.000            898.95
    ST  PAUL         MN   55117          5            11/19/02         00
    0435034525                           05           01/01/03          0
    9507282                              O            12/01/32
    0

    8239271          M18/G02             F          384,000.00         ZZ
                                         360        383,652.86          1
                                       6.500          2,427.14         80
                                       6.250          2,427.14
1

    LOS ANGELES      CA   91042          5            11/04/02         00
    0435077581                           05           01/01/03          0
    980102091                            O            12/01/32
    0

    8239491          X82/G02             F          194,650.00         ZZ
                                         360        194,498.15          1
                                       7.250          1,327.86         95
                                       7.000          1,327.86
    STERLING         VA   20164          1            11/22/02         11
    0434972220                           05           01/01/03         30
    844345                               O            12/01/32
    0

    8240409          U05/G02             F          328,000.00         ZZ
                                         360        327,703.49          4
                                       6.500          2,073.18         85
                                       6.250          2,073.18
    LONG BEACH       CA   90813          2            11/12/02         14
    0435131784                           05           01/01/03         12
    3265740                              O            12/01/32
    0

    8241019          998/998             F          329,550.00         ZZ
                                         360        328,562.46          1
                                       7.500          2,304.27         80
                                       7.250          2,304.27
    NORTHBROOK       IL   60062          2            08/08/02         00
    5164779                              03           10/01/02          0
    5164779                              O            09/01/32
    0

    8241071          408/G02             F          108,000.00         ZZ
                                         360        107,822.42          1
                                       7.000            718.53         80
                                       6.750            718.53
    OVERLAND PARK    KS   66210          5            11/07/02         00
    0435047931                           29           12/01/02          0
    703031031                            N            11/01/32
    0

    8241095          X80/G02             F          296,000.00         ZZ
                                         360        295,751.32          1
                                       6.875          1,944.51         80
                                       6.625          1,944.51
    LOS ANGELES      CA   90035          2            11/11/02         00
    0435065628                           01           01/01/03          0
    1410073220                           O            12/01/32
    0
1

    8241183          U05/G02             F          437,000.00         ZZ
                                         360        436,595.25          1
                                       6.375          2,726.31         80
                                       6.125          2,726.31
    FOLSOM           CA   95630          2            11/09/02         00
    0435094891                           05           01/01/03          0
    3276164                              O            12/01/32
    0

    8241195          E47/G02             F          359,200.00         ZZ
                                         360        358,875.28          1
                                       6.500          2,270.39         80
                                       6.250          2,270.39
    GALT             CA   95632          2            11/08/02         00
    0435054226                           05           01/01/03          0
    7333012699                           O            12/01/32
    0

    8241215          642/G02             F          229,000.00         ZZ
                                         360        228,782.72          1
                                       6.250          1,409.99         80
                                       6.000          1,409.99
    OCEANSIDE        CA   92056          2            11/15/02         00
    0435121553                           05           01/01/03          0
    09201002                             O            12/01/32
    0

    8241311          758/G02             F          427,000.00         ZZ
                                         360        426,594.85          1
                                       6.250          2,629.11         72
                                       6.000          2,629.11
    SAN ANTONIO      TX   78212          5            11/01/02         00
    0435116173                           05           01/01/03          0
    461063                               O            12/01/32
    0

    8241323          R84/G02             F          116,800.00         ZZ
                                         360        116,583.07          1
                                       6.375            728.68         70
                                       6.125            728.68
    STARTUP          WA   98293          2            10/15/02         00
    0434991675                           05           12/01/02          0
    WA100210                             N            11/01/32
    0

    8241463          E11/G02             F          226,950.00         ZZ
                                         360        226,739.80          1
1

                                       6.375          1,415.87         49
                                       6.125          1,415.87
    SAINT PAUL       MN   55104          5            11/20/02         00
    0435187836                           05           01/01/03          0
    1                                    O            12/01/32
    0

    8241469          E47/G02             F          222,000.00         ZZ
                                         360        221,789.36          1
                                       6.250          1,366.89         73
                                       6.000          1,366.89
    ANTIOCH          CA   94531          5            11/05/02         00
    0435047550                           05           01/01/03          0
    7359512258                           O            12/01/32
    0

    8241487          E11/G02             F          160,000.00         ZZ
                                         360        159,855.36          1
                                       6.500          1,011.31         80
                                       6.250          1,011.31
    MPLS             MN   55414          1            11/20/02         00
    0435126388                           05           01/01/03          0
    1                                    N            12/01/32
    0

    8241497          R84/G02             F          102,000.00         ZZ
                                         360        101,907.79          1
                                       6.500            644.71         80
                                       6.250            644.71
    SHELTON          WA   98584          5            11/07/02         00
    0435054333                           05           01/01/03          0
    WA100952                             O            12/01/32
    0

    8241509          L76/G02             F          169,600.00         ZZ
                                         360        169,431.16          1
                                       6.000          1,016.84         80
                                       5.750          1,016.84
    MAPLE GROVE      MN   55369          1            11/22/02         00
    0435075114                           05           01/01/03          0
    9507087                              O            12/01/32
    0

    8241533          L76/G02             F           90,000.00         ZZ
                                         360         90,000.00          1
                                       6.750            583.74         90
                                       6.500            583.74
    OWATONNA         MN   55060          5            11/26/02         11
    0435065479                           05           02/01/03         30
1

    9507343                              O            01/01/33
    0

    8241615          W02/G02             F          121,000.00         ZZ
                                         360        120,796.10          1
                                       6.875            794.89         82
                                       6.625            794.89
    JACKSONVILLE     FL   32225          5            10/24/02         12
    0435186119                           05           12/01/02         12
    1001711587                           O            11/01/32
    0

    8241787          M27/G02             F          246,000.00         ZZ
                                         360        245,755.11          1
                                       6.000          1,474.89         44
                                       5.750          1,474.89
    WAKE FOREST      NC   27587          2            11/20/02         00
    0435065511                           05           01/01/03          0
    0100020117                           O            12/01/32
    0

    8241841          N74/G02             F          132,100.00         ZZ
                                         360        131,989.02          1
                                       6.875            867.80         95
                                       6.625            867.80
    CABOT            AR   72032          2            11/21/02         10
    0435090774                           05           01/01/03         30
    00311770                             O            12/01/32
    0

    8241933          W02/G02             F           76,000.00         ZZ
                                         360         75,865.51          1
                                       6.625            486.64         77
                                       6.375            486.64
    OSTEEN           FL   32764          5            10/25/02         00
    0435186135                           05           12/01/02          0
    1001618941                           O            11/01/32
    0

    8241985          N74/G02             F          130,000.00         ZZ
                                         360        129,873.65          1
                                       6.125            789.89         77
                                       5.875            789.89
    NORTH WILKESBOR  NC   28659          1            11/25/02         00
    0435090642                           05           01/01/03          0
    0031208010                           O            12/01/32
    0

1

    8241987          S43/G02             F          608,000.00         ZZ
                                         360        607,423.11          1
                                       6.250          3,743.56         72
                                       6.000          3,743.56
    ALBUQUERQUE      NM   87122          2            11/22/02         00
    0435063524                           05           01/01/03          0
    000867                               O            12/01/32
    0

    8242017          758/G02             F          260,000.00         ZZ
                                         360        259,753.31          1
                                       6.250          1,600.86         80
                                       6.000          1,600.86
    CONROE           TX   77304          5            11/08/02         00
    0435133129                           05           01/01/03          0
    330529                               O            12/01/32
    0

    8242021          313/G02             F          161,600.00         ZZ
                                         360        161,460.87          1
                                       6.750          1,048.13         80
                                       6.500          1,048.13
    GILBERT          AZ   85297          5            11/21/02         00
    0435098710                           03           01/01/03          0
    0009098898                           O            12/01/32
    0

    8242023          S43/G02             F          100,000.00         ZZ
                                         360         99,907.38          4
                                       6.375            623.87         80
                                       6.125            623.87
    ALBUQUERQUE      NM   87108          2            11/26/02         00
    0435064936                           05           01/01/03          0
    021501                               N            12/01/32
    0

    8242055          G18/G02             F          505,000.00         ZZ
                                         360        504,532.27          1
                                       6.375          3,150.54         70
                                       6.125          3,150.54
    MINNEAPOLIS      MN   55409          2            11/20/02         00
    0435029434                           05           01/01/03          0
    002226                               O            12/01/32
    0

    8242057          532/G02             F           91,500.00         ZZ
                                         360         91,415.25          1
                                       6.375            570.84         46
                                       6.125            570.84
1

    LAKEHEAD         CA   96051          2            11/21/02         00
    0435072392                           05           01/01/03          0
    PF03050                              O            12/01/32
    0

    8242395          N47/G02             F          224,800.00         T
                                         360        224,596.78          1
                                       6.500          1,420.89         80
                                       6.250          1,420.89
    BIG BEAR LAKE    CA   92315          1            11/22/02         00
    0435047113                           05           01/01/03          0
    30500957                             O            12/01/32
    0

    8243067          E22/G02             F          117,500.00         ZZ
                                         360        117,391.17          1
                                       6.375            733.05         75
                                       6.125            733.05
    LEXINGTON        KY   40502          1            11/27/02         00
    0415539147                           09           01/01/03          0
    0415539147                           O            12/01/32
    0

    8243093          E22/G02             F          399,950.00         ZZ
                                         360        399,579.56          1
                                       6.375          2,495.17         95
                                       6.125          2,495.17
    GOLDEN           CO   80403          1            11/27/02         04
    0415572205                           05           01/01/03         30
    0415572205                           O            12/01/32
    0

    8243167          E22/G02             F           67,200.00         ZZ
                                         360         67,200.00          1
                                       7.250            458.42         80
                                       7.000            458.42
    CINCINNATI       OH   45218          5            11/26/02         00
    0415430420                           05           02/01/03          0
    0415430420                           O            01/01/33
    0

    8243253          E82/G02             F          250,000.00         ZZ
                                         360        250,000.00          1
                                       6.375          1,559.67         72
                                       6.125          1,559.67
    TACOMA           WA   98467          5            11/27/02         00
    0400739496                           03           02/01/03          0
    0400739496                           O            01/01/33
    0
1

    8243315          E22/G02             F          193,600.00         ZZ
                                         360        193,452.68          1
                                       7.375          1,337.15         80
                                       7.125          1,337.15
    PENSACOLA        FL   32503          5            11/22/02         00
    0415344621                           05           01/01/03          0
    0415344621                           O            12/01/32
    0

    8243813          E47/G02             F          199,500.00         ZZ
                                         360        199,315.22          1
                                       6.375          1,244.62         70
                                       6.125          1,244.62
    CYPRESS          CA   90630          1            11/13/02         00
    0435171475                           01           01/01/03          0
    7331014661                           O            12/01/32
    0

    8243855          962/G02             F          160,650.00         ZZ
                                         360        160,527.76          1
                                       7.375          1,109.57         85
                                       7.125          1,109.57
    FARGO            ND   58103          1            11/27/02         14
    0435125372                           01           01/01/03         25
    2002624                              N            12/01/32
    0

    8244119          962/G02             F           53,910.00         ZZ
                                         360         53,865.81          2
                                       7.000            358.66         90
                                       6.750            358.66
    FARGO            ND   58102          1            11/29/02         14
    0435054168                           05           01/01/03         25
    2002N625                             N            12/01/32
    0

    8244515          A52/G02             F          116,800.00         ZZ
                                         360        116,704.26          1
                                       7.000            777.07         80
                                       6.750            777.07
    LAWRENCEVILLE    GA   30043          5            11/22/02         00
    0435109228                           05           01/01/03          0
    22244                                O            12/01/32
    0

    8244565          E82/G02             F          100,500.00         ZZ
                                         360        100,413.47          1
1

                                       6.750            651.84         31
                                       6.500            651.84
    GOSHEN           CT   06756          2            11/22/02         00
    0400729976                           05           01/01/03          0
    4993401                              O            12/01/32
    0

    8244705          588/G02             F          367,000.00         ZZ
                                         360        366,046.71          1
                                       6.750          2,380.36         74
                                       6.500          2,380.36
    SOUTH ORANGE TO  NJ   07079          1            09/17/02         00
    0435172903                           05           11/01/02          0
    00010697810                          O            10/01/32
    0

    8245461          144/144             F           56,000.00         ZZ
                                         240         55,764.08          1
                                       6.250            409.32         28
                                       6.000            409.32
    MT. TREMPER      NY   12457          2            11/01/02         00
    160702829                            05           12/01/02          0
    160702829                            O            11/01/22
    0

    8246367          W68/G02             F           65,000.00         ZZ
                                         360         64,944.04          1
                                       6.750            421.59         77
                                       6.500            421.59
    LA MARQUE        TX   77568          5            11/13/02         00
    0435119367                           05           01/01/03          0
    32841                                O            12/01/32
    0

    8246749          E47/G02             F          580,000.00         ZZ
                                         360        579,475.68          1
                                       6.500          3,665.99         80
                                       6.250          3,665.99
    RIVERSIDE        CA   92506          1            11/11/02         00
    0435130844                           05           01/01/03          0
    7331014597                           O            12/01/32
    0

    8246751          E47/G02             F          210,000.00         ZZ
                                         360        209,805.50          1
                                       6.375          1,310.13         77
                                       6.125          1,310.13
    NEVADA CITY      CA   95959          5            10/30/02         00
    0435088240                           05           01/01/03          0
1

    7359512027                           O            12/01/32
    0

    8246811          E11/G02             F          230,000.00         T
                                         360        229,786.98          1
                                       6.375          1,434.90         63
                                       6.125          1,434.90
    FIFTY LAKES      MN   56448          2            11/25/02         00
    0435069661                           05           01/01/03          0
    0010001049800                        O            12/01/32
    0

    8246857          U28/G02             F          287,200.00         ZZ
                                         360        286,958.72          1
                                       6.875          1,886.70         80
                                       6.625          1,886.70
    FLOWERY BRANCH   GA   30542          5            11/21/02         00
    0435040365                           05           01/01/03          0
    2000006911                           O            12/01/32
    0

    8246873          S43/G02             F          114,000.00         ZZ
                                         360        113,899.42          1
                                       6.625            729.95         78
                                       6.375            729.95
    ALBUQUERQUE      NM   87111          2            11/27/02         00
    0435068218                           05           01/01/03          0
    021844                               N            12/01/32
    0

    8246915          G27/G02             F           70,400.00         ZZ
                                         360         70,339.39          1
                                       6.750            456.61         80
                                       6.500            456.61
    AURORA           MO   65605          1            11/22/02         00
    0435070172                           05           01/01/03          0
    23702225                             O            12/01/32
    0

    8248895          F89/G02             F          360,000.00         ZZ
                                         360        359,674.56          1
                                       6.500          2,275.44         80
                                       6.250          2,275.44
    COSTA MESA       CA   92626          5            11/20/02         00
    0435065826                           05           01/01/03          0
    24787                                O            12/01/32
    0

1

    8249141          E47/G02             F          600,000.00         ZZ
                                         360        599,373.56          1
                                       5.750          3,501.44         70
                                       5.500          3,501.44
    POTOMAC          MD   20854          5            11/21/02         00
    0435060017                           05           01/01/03          0
    7338510933                           O            12/01/32
    0

    8249251          E22/G02             F          212,000.00         ZZ
                                         360        211,817.47          1
                                       6.750          1,375.03         78
                                       6.500          1,375.03
    ROCKAWAY TOWNSH  NJ   07866          5            11/25/02         00
    0415431444                           05           01/01/03          0
    0415431444                           O            12/01/32
    0

    8249257          E22/G02             F          107,200.00         ZZ
                                         360        107,200.00          1
                                       6.375            668.79         80
                                       6.125            668.79
    COLORADO SPRING  CO   80910          5            11/25/02         00
    0415434620                           05           02/01/03          0
    0415434620                           O            01/01/33
    0

    8249361          E22/G02             F           90,400.00         ZZ
                                         240         90,212.89          1
                                       6.375            667.36         80
                                       6.125            667.36
    NEW CASTLE       IN   47362          5            11/25/02         00
    0415488865                           05           01/01/03          0
    0415488865                           O            12/01/22
    0

    8249371          967/G02             F          124,000.00         ZZ
                                         360        123,893.24          1
                                       6.750            804.26         80
                                       6.500            804.26
    ORTING           WA   98360          1            11/19/02         00
    0435070065                           09           01/01/03          0
    8861387                              O            12/01/32
    0

    8249459          E22/G02             F          280,000.00         ZZ
                                         360        280,000.00          1
                                       6.250          1,724.01         80
                                       6.000          1,724.01
1

    SANDY            OR   97055          5            11/25/02         00
    0415300714                           05           02/01/03          0
    0415300714                           O            01/01/33
    0

    8249497          E22/G02             F          115,000.00         ZZ
                                         360        114,900.99          1
                                       6.750            745.89         64
                                       6.500            745.89
    SOUTH PORTLAND   ME   04106          5            11/26/02         00
    0415371525                           05           01/01/03          0
    0415371525                           O            12/01/32
    0

    8249519          W39/G02             F          152,000.00         ZZ
                                         360        151,887.19          2
                                       7.500          1,062.81         80
                                       7.250          1,062.81
    CAPE CORAL       FL   33914          1            11/27/02         00
    0435068655                           05           01/01/03          0
    024714                               N            12/01/32
    0

    8249549          E22/G02             F          595,000.00         ZZ
                                         360        594,435.44          1
                                       6.250          3,663.52         62
                                       6.000          3,663.52
    ANNAPOLIS        MD   21403          5            11/25/02         00
    0414944124                           03           01/01/03          0
    0414944124                           O            12/01/32
    0

    8249669          E22/G02             F          315,000.00         ZZ
                                         360        314,708.25          1
                                       6.375          1,965.19         56
                                       6.125          1,965.19
    NEW YORK         NY   10019          5            11/26/02         00
    0415281815                           06           01/01/03          0
    0415281815                           O            12/01/32
    0

    8249745          X44/G02             F          273,000.00         ZZ
                                         360        272,759.14          2
                                       6.625          1,748.05         75
                                       6.375          1,748.05
    BAYONNE          NJ   07002          2            11/23/02         00
    0435067863                           05           01/01/03          0
    10159565                             O            12/01/32
    0
1

    8250159          N74/G02             F          116,000.00         ZZ
                                         360        115,895.13          1
                                       6.500            733.20         69
                                       6.250            733.20
    MOUNT PLEASANT   SC   29464          5            11/26/02         00
    0435062484                           03           01/01/03          0
    0031193010                           N            12/01/32
    0

    8250223          253/253             F          425,500.00         ZZ
                                         360        425,133.65          1
                                       6.750          2,759.79         61
                                       6.500          2,759.79
    AUSTIN           TX   78746          2            11/25/02         00
    438127                               05           01/01/03          0
    438127                               N            12/01/32
    0

    8250229          975/G02             F          248,000.00         ZZ
                                         360        247,764.69          1
                                       6.250          1,526.98         80
                                       6.000          1,526.98
    LOS ANGELES      CA   91354          5            11/08/02         00
    0435115076                           03           01/01/03          0
    2024831                              O            12/01/32
    0

    8250233          W68/G02             F          136,000.00         ZZ
                                         360        135,874.04          1
                                       6.375            848.46         80
                                       6.125            848.46
    PLANO            TX   75025          5            11/14/02         00
    0435109483                           05           01/01/03          0
    32337                                O            12/01/32
    0

    8250269          L20/G02             F          164,000.00         ZZ
                                         360        163,844.39          1
                                       6.250          1,009.78         80
                                       6.000          1,009.78
    RENO             NV   89506          5            11/18/02         00
    0435105309                           05           01/01/03          0
    1141090014                           O            12/01/32
    0

    8250379          X13/G02             F          285,200.00         ZZ
                                         360        284,948.37          1
1

                                       6.625          1,826.17         80
                                       6.375          1,826.17
    CHULA VISTA      CA   91913          5            11/23/02         00
    0435068135                           05           01/01/03          0
    0647857                              O            12/01/32
    0

    8250577          N47/G02             F          196,000.00         ZZ
                                         360        195,831.25          1
                                       6.750          1,271.25         80
                                       6.500          1,271.25
    SAN DIEGO        CA   92114          5            11/15/02         00
    0435110671                           05           01/01/03          0
    30122848                             O            12/01/32
    0

    8250613          N47/G02             F          517,000.00         ZZ
                                         360        516,521.15          1
                                       6.375          3,225.41         58
                                       6.125          3,225.41
    BRENTWOOD        CA   94513          2            11/06/02         00
    0435091046                           05           01/01/03          0
    20620174                             O            12/01/32
    0

    8250639          U35/G02             F          133,000.00         ZZ
                                         360        132,903.73          1
                                       7.625            941.37         95
                                       7.375            941.37
    FRESNO           CA   93726          1            11/25/02         01
    0435066279                           05           01/01/03         30
    0010206959                           O            12/01/32
    0

    8250773          N47/G02             F          339,000.00         ZZ
                                         360        338,678.34          1
                                       6.250          2,087.28         79
                                       6.000          2,087.28
    LAGUNA NIGUEL    CA   92677          2            11/25/02         00
    0435088786                           03           01/01/03          0
    30500718                             O            12/01/32
    0

    8250789          N47/G02             F           75,000.00         ZZ
                                         360         74,930.54          1
                                       6.375            467.90         24
                                       6.125            467.90
    HAYWARD          CA   94545          5            11/13/02         00
    0435088729                           05           01/01/03          0
1

    20500642                             O            12/01/32
    0

    8250991          G34/G02             F          378,000.00         ZZ
                                         360        377,658.28          1
                                       6.500          2,389.22         61
                                       6.250          2,389.22
    OAKLAND          CA   94619          5            11/20/02         00
    0435107776                           05           01/01/03          0
    48201126                             O            12/01/32
    0

    8251055          E47/G02             F           86,400.00         ZZ
                                         360         86,318.02          1
                                       6.250            531.98         80
                                       6.000            531.98
    MECHANICSVILLE   MD   20659          1            11/25/02         00
    0435065339                           05           01/01/03          0
    7342510307                           O            12/01/32
    0

    8251097          E82/G02             F          105,600.00         ZZ
                                         360        105,600.00          1
                                       7.125            711.45         80
                                       6.875            711.45
    ORLANDO          FL   32822          2            11/27/02         00
    0400732574                           05           02/01/03          0
    2830972                              O            01/01/33
    0

    8251117          E82/G02             F           95,700.00         ZZ
                                         360         95,700.00          1
                                       6.250            589.24         48
                                       6.000            589.24
    BROWNSTOWN TOWN  MI   48173          2            11/27/02         00
    0400742425                           05           02/01/03          0
    1722633                              O            01/01/33
    0

    8251141          E47/G02             F          238,400.00         ZZ
                                         360        238,189.67          1
                                       6.625          1,526.50         80
                                       6.375          1,526.50
    MOUNT AIRY       MD   20864          1            11/22/02         00
    0435130877                           05           01/01/03          0
    7338511009                           O            12/01/32
    0

1

    8251193          Q30/G02             F          452,000.00         ZZ
                                         360        451,591.38          1
                                       6.500          2,856.95         78
                                       6.250          2,856.95
    SANDY HOOK       CT   06482          1            11/13/02         00
    0435113857                           05           01/01/03          0
    21017072                             O            12/01/32
    0

    8251609          L86/G02             F          650,000.00         ZZ
                                         360        649,426.52          3
                                       6.625          4,162.02         47
                                       6.375          4,162.02
    SAN FRANCISCO    CA   94121          5            11/21/02         00
    0435131669                           07           01/01/03          0
    14500089                             O            12/01/32
    0

    8251641          R84/G02             F          250,000.00         ZZ
                                         360        249,762.79          1
                                       6.250          1,539.29         80
                                       6.000          1,539.29
    CANOGA PARK      CA   91304          5            11/14/02         00
    0435069570                           05           01/01/03          0
    4931                                 O            12/01/32
    0

    8251735          U35/G02             F          109,800.00         ZZ
                                         360        109,800.00          1
                                       6.875            721.31         90
                                       6.625            721.31
    OSHKOSH          WI   54901          5            11/29/02         01
    0435057401                           05           02/01/03         25
    0010238535                           O            01/01/33
    0

    8251787          E47/G02             F          347,000.00         ZZ
                                         240        346,292.44          1
                                       6.500          2,587.14         79
                                       6.250          2,587.14
    NEWARK           CA   94560          2            11/05/02         00
    0435087861                           05           01/01/03          0
    11502                                O            12/01/22
    0

    8252733          L76/G02             F          119,700.00         ZZ
                                         360        119,700.00          1
                                       6.750            776.37         90
                                       6.500            776.37
1

    FARIBAULT        MN   55021          5            11/26/02         11
    0435088281                           05           02/01/03         30
    9507339                              O            01/01/33
    0

    8253719          E22/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.625          1,280.62         38
                                       6.375          1,280.62
    STOCKTON         NJ   08559          5            11/27/02         00
    0415156181                           05           02/01/03          0
    0415156181                           O            01/01/33
    0

    8253753          E22/G02             F          144,000.00         ZZ
                                         360        144,000.00          1
                                       6.625            922.05         90
                                       6.375            922.05
    MOUNTLAKE TERRA  WA   98043          1            11/27/02         10
    0415275155                           05           02/01/03         25
    0415275155                           N            01/01/33
    0

    8253799          E22/G02             F          244,000.00         ZZ
                                         360        243,789.92          1
                                       6.750          1,582.58         88
                                       6.500          1,582.58
    BROOKLYN         NY   11236          5            11/27/02         01
    0415353176                           07           01/01/03         25
    0415353176                           O            12/01/32
    0

    8253859          E22/G02             F           98,000.00         ZZ
                                         240         97,794.11          1
                                       6.250            716.31         80
                                       6.000            716.31
    HATTIESBURG      MS   39402          1            12/03/02         00
    0415410794                           05           01/01/03          0
    0415410794                           O            12/01/22
    0

    8253869          E22/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.375          1,871.61         63
                                       6.125          1,871.61
    SOUTH SAN FRANC  CA   94080          5            11/26/02         00
    0415416502                           05           02/01/03          0
    0415416502                           O            01/01/33
    0
1

    8253919          E22/G02             F          128,610.00         ZZ
                                         360        128,610.00          1
                                       7.250            877.35         90
                                       7.000            877.35
    WEST PALM BEACH  FL   33411          1            12/03/02         10
    0415456557                           05           02/01/03         25
    0415456557                           O            01/01/33
    0

    8253957          E22/G02             F          175,500.00         ZZ
                                         360        175,341.35          1
                                       6.500          1,109.28         90
                                       6.250          1,109.28
    BRIGHTON         CO   80601          5            11/27/02         01
    0415493741                           05           01/01/03         25
    0415493741                           O            12/01/32
    0

    8254011          E22/G02             F           94,950.00         ZZ
                                         360         94,874.07          1
                                       7.125            639.70         90
                                       6.875            639.70
    GREENACRES,      FL   33463          1            12/03/02         11
    0415571702                           09           01/01/03         25
    0415571702                           O            12/01/32
    0

    8254019          E22/G02             F          280,800.00         ZZ
                                         360        280,800.00          1
                                       6.750          1,821.26         75
                                       6.500          1,821.26
    AUSTIN           TX   78734          1            12/03/02         00
    0415587104                           05           02/01/03          0
    0415587104                           N            01/01/33
    0

    8254023          E22/G02             F          136,000.00         ZZ
                                         360        135,882.91          1
                                       6.750            882.09         85
                                       6.500            882.09
    CHICAGO          IL   60632          5            11/27/02         04
    0415604016                           05           01/01/03         12
    0415604016                           O            12/01/32
    0

    8254149          P67/G02             F          150,500.00         ZZ
                                         360        150,373.56          1
1

                                       6.875            988.68         74
                                       6.625            988.68
    LOWELL           MA   01852          2            11/29/02         00
    0435093117                           05           01/01/03          0
    020211                               O            12/01/32
    0

    8254377          N47/G02             F          275,000.00         ZZ
                                         360        274,732.72          1
                                       6.125          1,670.93         30
                                       5.875          1,670.93
    PALO ALTO        CA   94306          2            11/07/02         00
    0435091343                           05           01/01/03          0
    20500965                             O            12/01/32
    0

    8254491          N47/G02             F          435,000.00         ZZ
                                         360        434,597.11          1
                                       6.375          2,713.83         58
                                       6.125          2,713.83
    HOLLISTER        CA   95023          2            11/21/02         00
    0435091954                           05           01/01/03          0
    20501008                             O            12/01/32
    0

    8254537          Q73/G02             F          438,400.00         ZZ
                                         360        438,003.68          1
                                       6.500          2,770.99         80
                                       6.250          2,770.99
    BILOXI           MS   39532          2            11/22/02         00
    0435086954                           05           01/01/03          0
    2995304                              O            12/01/32
    0

    8254991          196/G02             F          500,000.00         T
                                         360        499,525.58          1
                                       6.250          3,078.59         67
                                       6.000          3,078.59
    ONCHIOTA         NY   12989          5            11/29/02         00
    0435040225                           05           01/01/03          0
    1313846                              O            12/01/32
    0

    8255065          196/G02             F          340,000.00         ZZ
                                         360        339,685.09          1
                                       6.375          2,121.16         80
                                       6.125          2,121.16
    WEST ROXBURY     MA   02132          5            11/06/02         00
    0435033295                           05           01/01/03          0
1

    1330403                              O            12/01/32
    0

    8255071          196/G02             F          200,000.00         ZZ
                                         360        199,810.23          1
                                       6.250          1,231.44         50
                                       6.000          1,231.44
    WAKEFIELD        MA   01880          5            11/07/02         00
    0435040704                           05           01/01/03          0
    1331200                              O            12/01/32
    0

    8255119          196/G02             F          428,000.00         T
                                         360        427,603.58          1
                                       6.375          2,670.17         80
                                       6.125          2,670.17
    GREENSBORO       GA   30642          1            11/15/02         00
    0435040878                           05           01/01/03          0
    1332776                              O            12/01/32
    0

    8255133          196/G02             F          399,850.00         ZZ
                                         360        399,488.52          1
                                       6.500          2,527.33         80
                                       6.250          2,527.33
    MIDLOTHIAN       VA   23113          1            11/07/02         00
    0435041421                           03           01/01/03          0
    1503819                              O            12/01/32
    0

    8255153          196/G02             F          393,000.00         ZZ
                                         360        392,270.07          1
                                       6.375          2,451.81         79
                                       6.125          2,451.81
    DAYTON           MD   21036          5            10/30/02         00
    0435023064                           05           12/01/02          0
    1574332                              O            11/01/32
    0

    8255177          196/G02             F          425,000.00         ZZ
                                         360        424,210.63          1
                                       6.375          2,651.45         78
                                       6.125          2,651.45
    PLEASANTON       CA   94566          5            10/29/02         00
    0435041975                           05           12/01/02          0
    1578264                              O            11/01/32
    0

1

    8255239          196/G02             F          525,000.00         ZZ
                                         360        524,464.73          1
                                       5.875          3,105.58         75
                                       5.625          3,105.58
    LEXINGTON        MA   02420          5            11/13/02         00
    0435040464                           05           01/01/03          0
    1583391                              O            12/01/32
    0

    8255261          196/G02             F          404,000.00         ZZ
                                         360        403,625.81          1
                                       6.375          2,520.44         79
                                       6.125          2,520.44
    ASHLAND          MA   01721          5            11/18/02         00
    0435040282                           05           01/01/03          0
    1584011                              O            12/01/32
    0

    8255269          196/G02             F          424,000.00         ZZ
                                         360        423,616.70          1
                                       6.500          2,679.97         80
                                       6.250          2,679.97
    CARLSBAD         CA   92009          5            11/12/02         00
    0435051156                           01           01/01/03          0
    1584257                              O            12/01/32
    0

    8255331          196/G02             F          360,000.00         ZZ
                                         360        359,650.10          1
                                       6.125          2,187.40         66
                                       5.875          2,187.40
    SAN JOSE         CA   95123          5            11/04/02         00
    0435040407                           05           01/01/03          0
    1585130                              O            12/01/32
    0

    8255335          196/G02             F          335,250.00         ZZ
                                         360        334,924.15          1
                                       6.125          2,037.02         79
                                       5.875          2,037.02
    CLINTON          OH   44216          5            11/06/02         00
    0435040142                           05           01/01/03          0
    1585633                              O            12/01/32
    0

    8255343          K15/G02             F          129,700.00         ZZ
                                         360        129,570.88          2
                                       6.000            777.62         65
                                       5.750            777.62
1

    MINNEAPOLIS      MN   55413          2            11/22/02         00
    0435065289                           05           01/01/03          0
    013205504815                         O            12/01/32
    0

    8255349          196/G02             F          510,000.00         ZZ
                                         360        509,527.64          1
                                       6.375          3,181.74         75
                                       6.125          3,181.74
    LA CANADA-FLINT  CA   91011          5            11/05/02         00
    0435040076                           05           01/01/03          0
    1587001                              O            12/01/32
    0

    8255369          196/G02             F          408,000.00         ZZ
                                         360        407,622.11          1
                                       6.375          2,545.39         80
                                       6.125          2,545.39
    IRVINE           CA   92604          1            11/15/02         00
    0435110846                           03           01/01/03          0
    1591386                              O            12/01/32
    0

    8255379          196/G02             F          412,000.00         ZZ
                                         360        411,609.07          1
                                       6.250          2,536.76         80
                                       6.000          2,536.76
    LA CANADA FLINT  CA   91011          1            11/20/02         00
    0435100904                           05           01/01/03          0
    1594255                              O            12/01/32
    0

    8255385          K15/G02             F          219,000.00         ZZ
                                         360        218,816.02          1
                                       6.875          1,438.67         85
                                       6.625          1,438.67
    CORONA           CA   92879          5            11/19/02         41
    0435065313                           05           01/01/03         12
    025005300340                         O            12/01/32
    0

    8255389          K15/G02             F          206,000.00         ZZ
                                         360        205,813.77          1
                                       6.500          1,302.06         68
                                       6.250          1,302.06
    LITTLETON        CO   80129          5            11/25/02         00
    0435098207                           05           01/01/03          0
    021805504392                         O            12/01/32
    0
1

    8255735          K15/G02             F          119,300.00         ZZ
                                         360        119,194.75          1
                                       6.625            763.89         69
                                       6.375            763.89
    BRADFORD         NY   14879          5            11/25/02         00
    0435069752                           05           01/01/03          0
    029505506337                         O            12/01/32
    0

    8255781          U19/G02             F          368,000.00         ZZ
                                         360        367,316.51          1
                                       6.375          2,295.84         80
                                       6.125          2,295.84
    BROOMFIELD       CO   80020          5            10/15/02         00
    0435146584                           03           12/01/02          0
    80804933                             O            11/01/32
    0

    8256181          K15/G02             F          128,200.00         ZZ
                                         360        128,081.26          1
                                       6.375            799.80         79
                                       6.125            799.80
    COVENTRY         RI   02816          2            11/25/02         00
    0435191234                           05           01/01/03          0
    029705504529                         O            12/01/32
    0

    8256317          E47/G02             F           68,000.00         ZZ
                                         360         67,938.52          1
                                       6.500            429.81         80
                                       6.250            429.81
    SAN ANTONIO      TX   78247          5            11/20/02         00
    0435119045                           05           01/01/03          0
    7362511587                           N            12/01/32
    0

    8256683          E22/G02             F          205,000.00         ZZ
                                         360        205,000.00          1
                                       6.250          1,262.22         75
                                       6.000          1,262.22
    DURANGO          CO   81301          5            11/29/02         00
    0415366111                           05           02/01/03          0
    0415366111                           O            01/01/33
    0

    8256735          E22/G02             F          270,000.00         ZZ
                                         360        269,755.92          1
1

                                       6.500          1,706.58         74
                                       6.250          1,706.58
    HOMESTEAD        FL   33031          5            11/29/02         00
    0415436831                           05           01/01/03          0
    0415436831                           O            12/01/32
    0

    8256743          E22/G02             F          312,000.00         ZZ
                                         360        312,000.00          1
                                       6.250          1,921.04         80
                                       6.000          1,921.04
    HOUSTON          TX   77098          1            12/04/02         00
    0415442227                           05           02/01/03          0
    0415442227                           O            01/01/33
    0

    8256745          E22/G02             F          276,000.00         ZZ
                                         360        276,000.00          1
                                       6.250          1,699.38         80
                                       6.000          1,699.38
    PALO CEDRO       CA   96073          5            11/26/02         00
    0415442326                           05           02/01/03          0
    0415442326                           O            01/01/33
    0

    8256767          E22/G02             F          140,000.00         ZZ
                                         360        140,000.00          1
                                       6.375            873.42         80
                                       6.125            873.42
    COLORADO SPRING  CO   80920          1            12/04/02         00
    0415487305                           05           02/01/03          0
    0415487305                           N            01/01/33
    0

    8256781          E22/G02             F           85,000.00         ZZ
                                         360         85,000.00          1
                                       6.750            551.31         40
                                       6.500            551.31
    ST CHARLES       MO   63303          1            12/04/02         00
    0415512326                           05           02/01/03          0
    0415512326                           O            01/01/33
    0

    8256975          P44/G02             F           85,000.00         ZZ
                                         360         84,926.82          1
                                       6.750            551.31         41
                                       6.500            551.31
    NAPLES           FL   34112          5            11/19/02         00
    0435074299                           03           01/01/03          0
1

    28076370473                          O            12/01/32
    0

    8256987          E57/G02             F           59,950.00         ZZ
                                         360         59,894.47          1
                                       6.375            374.01         80
                                       6.125            374.01
    FRESNO           CA   93701          1            11/19/02         00
    0435174669                           05           01/01/03          0
    13004135                             N            12/01/32
    0

    8257015          P44/G02             F          187,200.00         ZZ
                                         360        187,046.55          1
                                       7.000          1,245.45         80
                                       6.750          1,245.45
    LOUDON           NH   03307          2            11/22/02         00
    0435071808                           05           01/01/03          0
    003505034                            O            12/01/32
    0

    8257085          W39/G02             F           90,000.00         T
                                         360         89,916.65          1
                                       6.375            561.48         80
                                       6.125            561.48
    LAFAYETTE        LA   70506          1            11/26/02         00
    0435063144                           05           01/01/03          0
    LA024752                             O            12/01/32
    0

    8257331          737/G02             F           90,000.00         ZZ
                                         360         89,931.51          3
                                       7.375            621.61         90
                                       7.125            621.61
    PHOENIX          AZ   85040          2            11/06/02         12
    0435139274                           05           01/01/03         25
    2072665                              N            12/01/32
    0

    8257361          R84/G02             F          241,500.00         ZZ
                                         360        241,276.32          1
                                       6.375          1,506.65         70
                                       6.125          1,506.65
    OLYMPIA          WA   98513          5            11/12/02         00
    0435069778                           05           01/01/03          0
    WA102303                             N            12/01/32
    0

1

    8257375          B57/G02             F          435,000.00         ZZ
                                         360        434,587.25          1
                                       6.250          2,678.37         67
                                       6.000          2,678.37
    THOUSAND OAKS    CA   91320          5            11/14/02         00
    0435138359                           05           01/01/03          0
    75000091                             O            12/01/32
    0

    8257427          Q31/G02             F          212,500.00         ZZ
                                         360        212,500.00          1
                                       6.375          1,325.73         85
                                       6.125          1,325.73
    DENVER           CO   80226          2            11/27/02         10
    0435068978                           05           02/01/03         12
    SD878310                             O            01/01/33
    0

    8257455          758/G02             F          163,950.00         ZZ
                                         360        163,801.78          1
                                       6.500          1,036.28         80
                                       6.250          1,036.28
    GALVESTON        TX   77554          1            11/26/02         00
    0435132063                           05           01/01/03          0
    102042                               O            12/01/32
    0

    8257477          X67/G02             F          492,500.00         ZZ
                                         360        492,054.77          1
                                       6.500          3,112.94         76
                                       6.250          3,112.94
    SANTA ANA        CA   92705          5            11/01/02         00
    0435066782                           05           01/01/03          0
    00270425                             O            12/01/32
    0

    8257493          W39/G02             F           84,000.00         ZZ
                                         360         83,937.65          1
                                       7.500            587.35         80
                                       7.250            587.35
    MERTZON          TX   76941          1            11/26/02         00
    0435070016                           05           01/01/03          0
    PNI23442                             N            12/01/32
    0

    8257495          408/G02             F           78,320.00         ZZ
                                         360         78,184.74          1
                                       6.750            507.99         80
                                       6.500            507.99
1

    CHICKASHA        OK   73018          1            10/29/02         00
    0435066758                           05           12/01/02          0
    703030771                            O            11/01/32
    0

    8257531          408/G02             F          127,125.00         ZZ
                                         360        127,015.55          1
                                       6.750            824.53         75
                                       6.500            824.53
    OVERLAND PARK    KS   66207          1            11/15/02         00
    0435067392                           05           01/01/03          0
    703030825                            N            12/01/32
    0

    8257537          883/G02             F           69,000.00         ZZ
                                         360         68,951.30          1
                                       7.750            494.32         75
                                       7.500            494.32
    MARIETTA         GA   30060          5            11/26/02         00
    0435083076                           05           01/01/03          0
    05019133                             N            12/01/32
    0

    8257571          313/G02             F          207,000.00         ZZ
                                         360        206,817.36          1
                                       6.625          1,325.45         90
                                       6.375          1,325.45
    DAWSONVILLE      GA   30534          2            11/15/02         12
    0435093083                           05           01/01/03         30
    0008852725                           O            12/01/32
    0

    8257575          883/G02             F           68,800.00         ZZ
                                         360         68,751.44          1
                                       7.750            492.89         80
                                       7.500            492.89
    ACWORTH          GA   30101          5            11/26/02         00
    0435082664                           07           01/01/03          0
    05019134                             N            12/01/32
    0

    8257615          K31/G02             F          118,350.00         ZZ
                                         360        118,245.58          1
                                       6.625            757.81         75
                                       6.375            757.81
    LAWRENCEVILLE    GA   30043          1            11/25/02         00
    0435091855                           05           01/01/03          0
    944437                               O            12/01/32
    0
1

    8257691          E47/G02             F          181,250.00         ZZ
                                         360        181,082.13          1
                                       6.375          1,130.76         62
                                       6.125          1,130.76
    LA PLATA         MD   20646          2            11/19/02         00
    0435072756                           05           01/01/03          0
    7342510362                           O            12/01/32
    0

    8257695          N34/G02             F          134,100.00         ZZ
                                         360        134,100.00          2
                                       7.750            960.71         90
                                       7.500            960.71
    CHICAGO          IL   60619          1            12/03/02         10
    0435087143                           05           02/01/03         25
    7526310                              N            01/01/33
    0

    8258061          R84/G02             F          241,500.00         ZZ
                                         360        241,276.32          4
                                       6.375          1,506.65         70
                                       6.125          1,506.65
    OLYMPIA          WA   98513          5            11/12/02         00
    0435117361                           05           01/01/03          0
    WA102296                             N            12/01/32
    0

    8258131          E47/G02             F          119,200.00         ZZ
                                         360        119,086.89          1
                                       6.250            733.94         80
                                       6.000            733.94
    SAN ANTONIO      TX   78249          5            11/18/02         00
    0435109517                           03           01/01/03          0
    7362511526                           O            12/01/32
    0

    8258137          E47/G02             F          230,000.00         ZZ
                                         360        229,801.97          1
                                       6.750          1,491.78         62
                                       6.500          1,491.78
    POLLOCK PINES    CA   95726          5            11/08/02         00
    0435063417                           05           01/01/03          0
    7359520988                           O            12/01/32
    0

    8258443          U05/G02             F          280,000.00         ZZ
                                         360        279,734.32          1
1

                                       6.250          1,724.01         59
                                       6.000          1,724.01
    SAN MATEO        CA   94401          2            11/05/02         00
    0435068622                           05           01/01/03          0
    3278937                              O            12/01/32
    0

    8258455          A50/G02             F          181,800.00         ZZ
                                         360        181,627.50          1
                                       6.250          1,119.37         90
                                       6.000          1,119.37
    CALHOUN          GA   30701          5            11/06/02         01
    0435023510                           05           01/01/03         25
    925789                               O            12/01/32
    0

    8259353          737/G02             F           90,000.00         ZZ
                                         360         89,931.51          3
                                       7.375            621.61         90
                                       7.125            621.61
    PHOENIX          AZ   85040          2            11/11/02         01
    0435139183                           05           01/01/03         25
    2072660                              N            12/01/32
    0

    8259383          E47/G02             F          412,000.00         ZZ
                                         360        411,627.55          1
                                       6.500          2,604.12         80
                                       6.250          2,604.12
    HAYWARD          CA   94541          5            11/13/02         00
    0435115985                           05           01/01/03          0
    7359512456                           O            12/01/32
    0

    8262301          E82/G02             F          154,000.00         ZZ
                                         360        154,000.00          1
                                       6.875          1,011.67         84
                                       6.625          1,011.67
    LUTZ             FL   33549          5            12/03/02         10
    0400733879                           05           02/01/03         12
    0400733879                           O            01/01/33
    0

    8262303          E82/G02             F          175,000.00         ZZ
                                         360        175,000.00          1
                                       7.625          1,238.64         90
                                       7.375          1,238.64
    EDMOND           OK   73003          5            12/04/02         10
    0400733283                           05           02/01/03         25
1

    0400733283                           O            01/01/33
    0

    8262311          E82/G02             F          115,000.00         ZZ
                                         360        115,000.00          1
                                       6.375            717.45         80
                                       6.125            717.45
    HOODSPORT        WA   98548          2            12/03/02         00
    0400726899                           05           02/01/03          0
    5061896                              O            01/01/33
    0

    8262323          E82/G02             F          226,500.00         ZZ
                                         360        226,500.00          1
                                       6.750          1,469.07         57
                                       6.500          1,469.07
    SAN PEDRO        CA   90731          2            12/03/02         00
    0400727277                           01           02/01/03          0
    1763860                              O            01/01/33
    0

    8262335          E82/G02             F          111,000.00         ZZ
                                         360        111,000.00          1
                                       6.750            719.94         65
                                       6.500            719.94
    SACHSE           TX   75048          2            12/04/02         00
    0400734851                           05           02/01/03          0
    4166938                              O            01/01/33
    0

    8262369          E82/G02             F           83,000.00         ZZ
                                         360         83,000.00          1
                                       6.000            497.63         37
                                       5.750            497.63
    DENVER           CO   80246          2            12/04/02         00
    0400738118                           05           02/01/03          0
    1987747                              O            01/01/33
    0

    8262497          X51/G02             F          640,000.00         ZZ
                                         360        640,000.00          1
                                       6.500          4,045.24         64
                                       6.250          4,045.24
    CALABASAS        CA   91302          2            11/29/02         00
    0435108485                           03           02/01/03          0
    R2053990                             O            01/01/33
    0

1

    8262499          X51/G02             F          420,000.00         ZZ
                                         360        420,000.00          1
                                       6.250          2,586.01         80
                                       6.000          2,586.01
    FAIR OAKS        CA   95628          5            11/26/02         00
    0435077656                           05           02/01/03          0
    R2054158                             O            01/01/33
    0

    8262555          U36/G02             F          153,600.00         ZZ
                                         360        153,480.17          1
                                       7.250          1,047.83         80
                                       7.000          1,047.83
    HAHIRA           GA   31632          2            11/18/02         00
    0435126487                           05           01/01/03          0
    833442002                            O            12/01/32
    0

    8262601          E22/G02             F          160,000.00         ZZ
                                         360        160,000.00          2
                                       6.375            998.19         80
                                       6.125            998.19
    FORT LAUDERDALE  FL   33304          5            12/05/02         00
    0415238989                           05           02/01/03          0
    0415238989                           N            01/01/33
    0

    8262623          E22/G02             F          135,000.00         ZZ
                                         360        135,000.00          1
                                       6.250            831.22         80
                                       6.000            831.22
    EAGLE            ID   83616          1            12/04/02         00
    0415342898                           03           02/01/03          0
    0415342898                           O            01/01/33
    0

    8262719          E22/G02             F          241,000.00         ZZ
                                         360        240,782.14          1
                                       6.500          1,523.28         30
                                       6.250          1,523.28
    LA MESA          CA   91941          5            11/27/02         00
    0415512524                           05           01/01/03          0
    0415512524                           O            12/01/32
    0

    8262759          E22/G02             F          159,300.00         ZZ
                                         360        159,300.00          4
                                       7.250          1,086.71         90
                                       7.000          1,086.71
1

    HARVEY           LA   70058          1            12/05/02         04
    0415585769                           05           02/01/03         25
    0415585769                           N            01/01/33
    0

    8262787          737/G02             F           90,900.00         ZZ
                                         360         90,835.84          3
                                       7.750            651.22         90
                                       7.500            651.22
    PHOENIX          AZ   85040          2            11/18/02         12
    0435041306                           05           01/01/03         25
    2072667                              N            12/01/32
    0

    8262855          737/G02             F          380,000.00         ZZ
                                         360        379,630.66          1
                                       6.125          2,308.92         80
                                       5.875          2,308.92
    DALLAS           TX   75210          1            11/26/02         00
    0435060108                           05           01/01/03          0
    2096948                              O            12/01/32
    0

    8263665          964/G02             F          348,000.00         ZZ
                                         360        347,677.68          1
                                       6.375          2,171.07         54
                                       6.125          2,171.07
    SAN FRANCISCO    CA   94116          2            11/21/02         00
    0435051370                           05           01/01/03          0
    283549                               O            12/01/32
    0

    8263893          U05/G02             F          151,900.00         ZZ
                                         360        151,769.22          1
                                       6.750            985.22         95
                                       6.500            985.22
    MENTONE          CA   92359          1            11/18/02         14
    0435113758                           05           01/01/03         30
    3284773                              O            12/01/32
    0

    8264257          Q66/G02             F           93,500.00         ZZ
                                         360         93,500.00          1
                                       7.125            629.93         85
                                       6.875            629.93
    OWATONNA         MN   55060          2            12/03/02         14
    0435109434                           05           02/01/03         12
    020712                               O            01/01/33
    0
1

    8264293          U05/G02             F          348,000.00         ZZ
                                         360        347,677.68          1
                                       6.375          2,171.07         75
                                       6.125          2,171.07
    CHULA VISTA      CA   91914          5            11/22/02         00
    0435075056                           03           01/01/03          0
    3279625                              O            12/01/32
    0

    8264341          U05/G02             F          335,200.00         ZZ
                                         360        334,889.54          1
                                       6.375          2,091.21         80
                                       6.125          2,091.21
    BURBANK          CA   91504          1            11/15/02         00
    0435094701                           05           01/01/03          0
    3279410                              O            12/01/32
    0

    8265295          U28/G02             F          132,000.00         ZZ
                                         360        132,000.00          1
                                       6.375            823.51         74
                                       6.125            823.51
    GULF BREEZE      FL   32563          5            11/26/02         00
    0435115878                           03           02/01/03          0
    2000007001                           O            01/01/33
    0

    8265345          Q30/G02             F          220,000.00         ZZ
                                         360        219,805.89          1
                                       6.625          1,408.69         80
                                       6.375          1,408.69
    MEDFIELD         MA   02052          2            11/22/02         00
    0435067756                           05           01/01/03          0
    21015714                             O            12/01/32
    0

    8265661          E47/G02             F          430,000.00         ZZ
                                         360        429,592.00          1
                                       6.250          2,647.58         67
                                       6.000          2,647.58
    WOODBINE         MD   21797          5            11/20/02         00
    0435039821                           03           01/01/03          0
    7338510977                           O            12/01/32
    0

    8265697          W08/G02             F          124,200.00         ZZ
                                         360        124,087.72          1
1

                                       6.500            785.03         95
                                       6.250            785.03
    APOPKA           FL   32703          2            12/03/02         10
    0435113592                           03           01/01/03         30
    022140MG                             O            12/01/32
    0

    8266091          P09/G02             F          103,000.00         ZZ
                                         360        102,895.29          1
                                       5.890            610.27         74
                                       5.640            610.27
    NEWARK           DE   19702          5            11/25/02         00
    0435117148                           09           01/01/03          0
    R0210233                             O            12/01/32
    0

    8266149          144/144             F           64,500.00         ZZ
                                         360         64,416.72          1
                                       6.375            402.40         72
                                       6.125            402.40
    SAUGERTIES       NY   12477          5            11/06/02         00
    CLAYTON                              05           01/01/03          0
    CLAYTON                              O            12/01/32
    0

    8266235          940/G02             F          412,000.00         ZZ
                                         360        411,618.41          1
                                       6.375          2,570.34         80
                                       6.125          2,570.34
    LA HABRA         CA   90631          5            11/21/02         00
    0435113642                           03           01/01/03          0
    23020614                             O            12/01/32
    0

    8266531          E82/G02             F          244,250.00         ZZ
                                         360        244,250.00          1
                                       6.375          1,523.80         54
                                       6.125          1,523.80
    GILBERTSVILLE    PA   19525          2            12/05/02         00
    0400725404                           05           02/01/03          0
    1815382                              O            01/01/33
    0

    8266545          E82/G02             F          105,000.00         ZZ
                                         360        105,000.00          1
                                       6.875            689.78         72
                                       6.625            689.78
    ANACORTES        WA   98221          2            12/05/02         00
    0400723565                           05           02/01/03          0
1

    3764616                              N            01/01/33
    0

    8266565          E82/G02             F          120,500.00         ZZ
                                         360        120,500.00          1
                                       6.375            751.76         42
                                       6.125            751.76
    MASSAPEQUA PARK  NY   11762          2            12/05/02         00
    0400726410                           05           02/01/03          0
    1491125                              O            01/01/33
    0

    8266587          E82/G02             F           68,600.00         ZZ
                                         360         68,600.00          1
                                       6.375            427.97         77
                                       6.125            427.97
    GANSEVOORT       NY   12831          2            12/05/02         00
    0400714655                           05           02/01/03          0
    4546976                              O            01/01/33
    0

    8266637          E22/G02             F          188,000.00         ZZ
                                         360        188,000.00          1
                                       6.625          1,203.78        100
                                       6.375          1,203.78
    PLEASANT GROVE   UT   84062          2            12/02/02         10
    0415212083                           05           02/01/03         35
    0415212083                           O            01/01/33
    0

    8266659          E22/G02             F           84,435.00         ZZ
                                         360         84,358.67          1
                                       6.500            533.69         65
                                       6.250            533.69
    BRANSON          MO   65616          2            12/06/02         00
    0415275114                           07           01/01/03          0
    0415275114                           N            12/01/32
    0

    8266689          E22/G02             F          340,000.00         ZZ
                                         360        339,734.77          1
                                       7.250          2,319.40         85
                                       7.000          2,319.40
    PLYMPTON         MA   02367          5            12/02/02         04
    0415334929                           05           01/01/03         12
    0415334929                           O            12/01/32
    0

1

    8266709          E22/G02             F          343,000.00         ZZ
                                         360        343,000.00          1
                                       6.375          2,139.87         80
                                       6.125          2,139.87
    HONOLULU         HI   96825          1            12/02/02         00
    0415388057                           05           02/01/03          0
    0415388057                           O            01/01/33
    0

    8266713          E22/G02             F          169,480.00         ZZ
                                         360        169,480.00          1
                                       6.375          1,057.33         95
                                       6.125          1,057.33
    DES MOINES       WA   98198          1            12/04/02         10
    0415391200                           05           02/01/03         30
    0415391200                           O            01/01/33
    0

    8266727          E22/G02             F           60,000.00         ZZ
                                         360         60,000.00          1
                                       6.375            374.32         80
                                       6.125            374.32
    GRAND BAY        AL   36541          1            12/06/02         00
    0415415488                           05           02/01/03          0
    0415415488                           N            01/01/33
    0

    8266731          E22/G02             F          480,000.00         ZZ
                                         360        480,000.00          1
                                       6.625          3,073.49         80
                                       6.375          3,073.49
    COOL             CA   95614          5            11/27/02         00
    0415423995                           03           02/01/03          0
    0415423995                           O            01/01/33
    0

    8266747          E22/G02             F          152,000.00         ZZ
                                         360        151,862.59          1
                                       6.500            960.74         80
                                       6.250            960.74
    PALM BEACH GARD  FL   33410          2            12/02/02         00
    0415440320                           05           01/01/03          0
    0415440320                           O            12/01/32
    0

    8266791          E22/G02             F          157,152.00         ZZ
                                         360        157,152.00          1
                                       6.375            980.42         80
                                       6.125            980.42
1

    TULARE           CA   93274          1            11/27/02         00
    0415482751                           05           02/01/03          0
    0415482751                           O            01/01/33
    0

    8266795          E22/G02             F          174,700.00         ZZ
                                         360        174,700.00          1
                                       7.125          1,176.99         90
                                       6.875          1,176.99
    WOODBRIGE        NJ   07095          1            12/06/02         01
    0415490028                           05           02/01/03         30
    0415490028                           O            01/01/33
    0

    8266801          E22/G02             F          180,000.00         ZZ
                                         360        180,000.00          1
                                       6.375          1,122.97         80
                                       6.125          1,122.97
    GREELEY          CO   80634          2            12/02/02         00
    0415502483                           05           02/01/03          0
    0415502483                           O            01/01/33
    0

    8266807          E22/G02             F          197,600.00         ZZ
                                         360        197,600.00          1
                                       7.250          1,347.98         80
                                       7.000          1,347.98
    SAN ANTONIO      TX   78209          5            12/02/02         00
    0415525237                           05           02/01/03          0
    0415525237                           O            01/01/33
    0

    8266817          E22/G02             F          212,500.00         ZZ
                                         360        212,298.37          1
                                       6.250          1,308.40         70
                                       6.000          1,308.40
    HOUSTON          TX   77096          5            11/27/02         00
    0415532605                           03           01/01/03          0
    0415532605                           O            12/01/32
    0

    8266823          E22/G02             F          120,400.00         ZZ
                                         360        120,400.00          1
                                       6.625            770.93         80
                                       6.375            770.93
    MORRISVILLE      PA   19067          1            12/06/02         00
    0415543446                           07           02/01/03          0
    0415543446                           N            01/01/33
    0
1

    8266827          E22/G02             F          163,350.00         ZZ
                                         360        163,350.00          1
                                       7.500          1,142.17         90
                                       7.250          1,142.17
    STERLING HEIGHT  MI   48310          1            12/06/02         04
    0415546449                           05           02/01/03         25
    0415546449                           O            01/01/33
    0

    8266833          E22/G02             F          188,900.00         ZZ
                                         360        188,900.00          1
                                       7.000          1,256.76         75
                                       6.750          1,256.76
    NORTH RICHLAND   TX   76180          2            12/06/02         00
    0415564707                           03           02/01/03          0
    0415564707                           N            01/01/33
    0

    8266837          E22/G02             F          100,800.00         ZZ
                                         360        100,800.00          1
                                       6.500            637.12         80
                                       6.250            637.12
    PLANO            TX   75074          2            12/06/02         00
    0415574003                           05           02/01/03          0
    0415574003                           N            01/01/33
    0

    8266851          E22/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       6.500            632.07         67
                                       6.250            632.07
    ARDMORE          OK   73401          1            12/06/02         00
    0415598648                           05           02/01/03          0
    0415598648                           O            01/01/33
    0

    8266939          940/G02             F           68,400.00         ZZ
                                         360         68,346.64          1
                                       7.250            466.61         90
                                       7.000            466.61
    ONTARIO          CA   91761          1            11/18/02         12
    0435112214                           01           01/01/03         25
    40020917                             N            12/01/32
    0

    8267057          G34/G02             F           84,800.00         ZZ
                                         360         84,728.75          1
1

                                       6.875            557.08         80
                                       6.625            557.08
    ARLINGTON        TX   76017          5            11/22/02         00
    0435116371                           05           01/01/03          0
    85209469                             O            12/01/32
    0

    8267107          U05/G02             F          355,000.00         ZZ
                                         360        354,671.20          1
                                       6.375          2,214.74         41
                                       6.125          2,214.74
    SANTA CRUZ       CA   95060          2            11/22/02         00
    0435069513                           05           01/01/03          0
    3275153                              O            12/01/32
    0

    8267275          U36/G02             F          443,000.00         ZZ
                                         360        442,589.70          1
                                       6.375          2,763.74         80
                                       6.125          2,763.74
    ROSWELL          GA   30076          2            11/26/02         00
    0435094602                           03           01/01/03          0
    836332002                            O            12/01/32
    0

    8267379          M27/G02             F          239,450.00         ZZ
                                         360        239,228.22          1
                                       6.375          1,493.86         77
                                       6.125          1,493.86
    NASHVILLE        TN   37215          2            11/19/02         00
    0435113261                           05           01/01/03          0
    5000087017                           O            12/01/32
    0

    8267707          477/G02             F          109,650.00         ZZ
                                         360        109,557.88          1
                                       6.875            720.32         80
                                       6.625            720.32
    HEMET            CA   92545          5            11/21/02         00
    0435115555                           05           01/01/03          0
    247632                               O            12/01/32
    0

    8267737          883/G02             F          649,999.00         ZZ
                                         360        649,396.97          1
                                       6.375          4,055.15         74
                                       6.125          4,055.15
    NEW HOPE         PA   18938          5            11/22/02         00
    0435069117                           05           01/01/03          0
1

    05019383                             O            12/01/32
    0

    8267753          W98/G02             F          462,400.00         ZZ
                                         360        461,971.73          1
                                       6.375          2,884.77         80
                                       6.125          2,884.77
    STAFFORD         VA   22556          2            11/26/02         00
    0435080585                           05           01/01/03          0
    L0211002                             O            12/01/32
    0

    8267767          X71/G02             F          640,000.00         ZZ
                                         360        639,474.36          1
                                       6.990          4,253.64         80
                                       6.740          4,253.64
    ALAMO            CA   94507          5            11/22/02         00
    0435112834                           05           01/01/03          0
    7495515                              O            12/01/32
    0

    8268025          U05/G02             F           76,000.00         ZZ
                                         360         75,932.94          1
                                       6.625            486.64         24
                                       6.375            486.64
    AUSTIN           TX   78746          5            11/21/02         00
    0435062914                           05           01/01/03          0
    3271647                              O            12/01/32
    0

    8268173          R84/G02             F          178,400.00         ZZ
                                         360        178,230.73          1
                                       6.250          1,098.44         80
                                       6.000          1,098.44
    LAS VEGAS        NV   89143          5            11/22/02         00
    0435088232                           03           01/01/03          0
    LVW5319                              O            12/01/32
    0

    8268195          X72/G02             F          212,000.00         ZZ
                                         360        211,808.35          1
                                       6.500          1,339.98         80
                                       6.250          1,339.98
    WELLINGTON       CO   80549          1            12/04/02         00
    0435082003                           05           01/01/03          0
    29070280                             O            12/01/32
    0

1

    8268197          N47/G02             F          274,000.00         ZZ
                                         360        273,746.23          1
                                       6.375          1,709.40         74
                                       6.125          1,709.40
    SAN DIEGO        CA   92126          1            11/22/02         00
    0435110788                           03           01/01/03          0
    30500719                             O            12/01/32
    0

    8268253          W39/G02             F           56,250.00         ZZ
                                         360         56,210.29          1
                                       7.750            402.99         90
                                       7.500            402.99
    EL PASO          TX   79904          1            11/18/02         01
    0435117346                           05           01/01/03         25
    PN123467                             O            12/01/32
    0

    8268263          588/G02             F          207,950.00         ZZ
                                         360        207,573.00          1
                                       6.500          1,314.39         80
                                       6.250          1,314.39
    MONTGOMERY VILL  MD   20886          1            10/18/02         00
    0435158076                           03           12/01/02          0
    1078663                              O            11/01/32
    0

    8268273          U28/G02             F          247,000.00         ZZ
                                         360        246,776.71          1
                                       6.500          1,561.21         54
                                       6.250          1,561.21
    DECATUR          GA   30030          2            11/20/02         00
    0435097514                           05           01/01/03          0
    STOLTZLE3                            O            12/01/32
    0

    8268291          E47/G02             F          119,200.00         ZZ
                                         360        119,086.90          1
                                       6.250            733.93         80
                                       6.000            733.93
    CHARLOTTE        NC   28226          1            11/25/02         00
    0435090659                           05           01/01/03          0
    7350510519                           O            12/01/32
    0

    8268345          738/G02             F          218,000.00         ZZ
                                         360        217,802.92          1
                                       6.500          1,377.91         80
                                       6.250          1,377.91
1

    POMPANO BEACH    FL   33062          1            11/27/02         00
    0435120183                           05           01/01/03          0
    0040769460-0001                      O            12/01/32
    0

    8268367          N74/G02             F           64,505.00         ZZ
                                         360         64,450.81          1
                                       6.875            423.75         95
                                       6.625            423.75
    MILLERS CREEK    NC   28651          1            11/27/02         10
    0435093166                           05           01/01/03         30
    0031240010                           O            12/01/32
    0

    8268373          967/G02             F           95,000.00         ZZ
                                         360         94,914.12          1
                                       6.500            600.46         76
                                       6.250            600.46
    PAYSON           AZ   85541          2            11/22/02         00
    0435084363                           05           01/01/03          0
    5845607                              O            12/01/32
    0

    8268375          N74/G02             F          102,000.00         ZZ
                                         360        101,922.38          1
                                       7.375            704.49         95
                                       7.125            704.49
    ARCHDALE         NC   27263          1            11/27/02         10
    0435092622                           05           01/01/03         30
    0031254010                           O            12/01/32
    0

    8268389          N74/G02             F           84,600.00         ZZ
                                         360         84,477.15          1
                                       7.625            598.79         90
                                       7.375            598.79
    SARCOXIE         MO   64826          5            11/22/02         10
    0435093000                           05           12/27/02         25
    0031190010                           O            11/27/32
    0

    8268415          M27/G02             F           86,400.00         ZZ
                                         360         86,325.61          1
                                       6.750            560.39         90
                                       6.500            560.39
    ASHEBORO         NC   27203          1            11/26/02         01
    0435093521                           05           01/01/03         25
    0100000185                           O            12/01/32
    0
1

    8268437          940/G02             F          227,750.00         ZZ
                                         360        227,533.90          1
                                       6.250          1,402.30         63
                                       6.000          1,402.30
    LOS ANGELES      CA   90041          5            11/19/02         00
    0435083720                           05           01/01/03          0
    40021019                             O            12/01/32
    0

    8268449          975/G02             F          266,000.00         ZZ
                                         360        265,747.61          1
                                       6.250          1,637.81         76
                                       6.000          1,637.81
    ANAHEIM          CA   92802          2            11/20/02         00
    0435113535                           05           01/01/03          0
    2024982                              N            12/01/32
    0

    8268455          742/G02             F          270,000.00         ZZ
                                         360        269,755.92          1
                                       6.500          1,706.58         74
                                       6.250          1,706.58
    CONGERS          NY   10920          5            11/12/02         00
    0435092630                           05           01/01/03          0
    5786280                              O            12/01/32
    0

    8268459          975/G02             F          400,000.00         ZZ
                                         360        399,620.46          1
                                       6.250          2,462.87         74
                                       6.000          2,462.87
    HACIENDA HEIGHT  CA   91745          5            11/05/02         00
    0435115050                           05           01/01/03          0
    2024343                              O            12/01/32
    0

    8268563          X31/G02             F          271,000.00         ZZ
                                         360        270,766.68          1
                                       6.750          1,757.70         80
                                       6.500          1,757.70
    TORRANCE AREA    CA   90502          1            11/06/02         00
    0435133442                           05           01/01/03          0
    40104910                             N            12/01/32
    0

    8268573          E11/G02             F          189,000.00         ZZ
                                         360        188,820.66          1
1

                                       6.250          1,163.71         79
                                       6.000          1,163.71
    MINNEAPOLIS      MN   55417          2            11/27/02         00
    0435091699                           05           01/01/03          0
    0010001051047                        O            12/01/32
    0

    8268621          M27/G02             F          166,500.00         ZZ
                                         360        166,353.10          1
                                       6.625          1,066.12         90
                                       6.375          1,066.12
    LAWRENCEBURG     TN   38464          1            11/26/02         01
    0435115852                           05           01/01/03         25
    5000085054                           O            12/01/32
    0

    8268775          Q14/G02             F           52,000.00         ZZ
                                         240         52,000.00          1
                                       6.375            383.88         73
                                       6.125            383.88
    ROCK ISLAND      IL   61201          2            12/02/02         00
    0435034293                           05           02/01/03          0
    0000210329                           O            01/01/23
    0

    8268809          X51/G02             F          495,000.00         ZZ
                                         360        494,541.53          1
                                       6.375          3,088.16         74
                                       6.125          3,088.16
    SAN JOSE         CA   95123          5            11/21/02         00
    0435091368                           05           01/01/03          0
    R2054267                             O            12/01/32
    0

    8268873          W39/G02             F           96,300.00         ZZ
                                         360         96,226.72          4
                                       7.375            665.12         90
                                       7.125            665.12
    BATON ROUGE      LA   70816          1            11/14/02         01
    0435095476                           05           01/01/03         25
    024424                               N            12/01/32
    0

    8268971          G34/G02             F          144,100.00         ZZ
                                         360        143,969.73          1
                                       6.500            910.81         90
                                       6.250            910.81
    LAS VEGAS        NV   89141          1            11/13/02         01
    0435085998                           03           01/01/03         25
1

    1113905                              N            12/01/32
    0

    8269175          H58/G02             F          351,000.00         ZZ
                                         360        350,666.95          1
                                       6.250          2,161.17         78
                                       6.000          2,161.17
    FOLSOM           CA   95630          5            11/21/02         00
    0435149737                           05           01/01/03          0
    123638                               O            12/01/32
    0

    8269291          E82/G02             F          102,800.00         ZZ
                                         360        102,800.00          3
                                       6.875            675.32         74
                                       6.625            675.32
    MANCHESTER       CT   06040          2            12/10/02         00
    0400710927                           05           02/01/03          0
    2858889                              N            01/01/33
    0

    8269293          E82/G02             F           98,700.00         ZZ
                                         360         98,700.00          2
                                       6.625            631.99         73
                                       6.375            631.99
    MANCHESTER       CT   06040          2            12/10/02         00
    0400710844                           05           02/01/03          0
    3565353                              N            01/01/33
    0

    8269295          E82/G02             F          193,200.00         ZZ
                                         360        193,200.00          1
                                       6.500          1,221.16         57
                                       6.250          1,221.16
    STOW             OH   44224          2            12/06/02         00
    0400712451                           05           02/01/03          0
    1743794                              O            01/01/33
    0

    8269299          E82/G02             F          165,000.00         ZZ
                                         360        165,000.00          3
                                       6.625          1,056.51         44
                                       6.375          1,056.51
    SAN DIEGO        CA   92103          5            12/02/02         00
    0400725719                           05           02/01/03          0
    7414382                              O            01/01/33
    0

1

    8269301          E82/G02             F           79,000.00         ZZ
                                         360         79,000.00          1
                                       6.625            505.85         66
                                       6.375            505.85
    TAMPA            FL   33624          2            12/06/02         00
    0400746525                           05           02/01/03          0
    3118760                              N            01/01/33
    0

    8269307          E82/G02             F          390,000.00         ZZ
                                         360        390,000.00          1
                                       7.250          2,660.49         80
                                       7.000          2,660.49
    HERNDON          VA   20170          2            12/06/02         00
    0400736062                           05           02/01/03          0
    4605949                              N            01/01/33
    0

    8269413          E22/G02             F          105,600.00         ZZ
                                         360        105,600.00          1
                                       7.750            756.53         80
                                       7.500            756.53
    DAYTON           TX   77535          1            12/06/02         00
    0415037548                           05           02/01/03          0
    0415037548                           O            01/01/33
    0

    8269429          E22/G02             F           85,025.00         ZZ
                                         360         85,025.00          1
                                       7.500            594.51         95
                                       7.250            594.51
    MESQUITE         TX   75149          1            12/09/02         01
    0415158161                           05           02/01/03         35
    0415158161                           O            01/01/33
    0

    8269433          E22/G02             F          269,500.00         ZZ
                                         360        269,500.00          1
                                       6.375          1,681.33         67
                                       6.125          1,681.33
    AUBURN           CA   95602          5            11/26/02         00
    0415185560                           03           02/01/03          0
    0415185560                           O            01/01/33
    0

    8269441          E22/G02             F          299,000.00         ZZ
                                         360        299,000.00          1
                                       7.125          2,014.42        100
                                       6.875          2,014.42
1

    MIAMI            FL   33165          2            12/03/02         10
    0415208719                           05           02/01/03         35
    0415208719                           O            01/01/33
    0

    8269445          E22/G02             F          125,400.00         ZZ
                                         360        125,400.00          1
                                       6.750            813.34         68
                                       6.500            813.34
    LEAVENWORTH      WA   98826          2            12/03/02         00
    0415221779                           05           02/01/03          0
    0415221779                           O            01/01/33
    0

    8269487          E22/G02             F          179,000.00         ZZ
                                         360        179,000.00          1
                                       6.875          1,175.90         71
                                       6.625          1,175.90
    CASTLE ROCK      CO   80104          5            12/04/02         00
    0415315092                           03           02/01/03          0
    0415315092                           O            01/01/33
    0

    8269495          E22/G02             F          340,000.00         ZZ
                                         360        340,000.00          1
                                       6.250          2,093.44         79
                                       6.000          2,093.44
    KENT             WA   98031          5            12/02/02         00
    0415324375                           05           02/01/03          0
    0415324375                           O            01/01/33
    0

    8269521          E22/G02             F           85,500.00         ZZ
                                         360         85,500.00          1
                                       6.750            554.55         95
                                       6.500            554.55
    ROSEBURG         OR   97470          5            12/03/02         10
    0415351790                           05           02/01/03         30
    0415351790                           O            01/01/33
    0

    8269571          E22/G02             F          128,000.00         ZZ
                                         360        128,000.00          1
                                       6.500            809.05         80
                                       6.250            809.05
    TOMS RIVER       NJ   08753          5            12/03/02         00
    0415380898                           05           02/01/03          0
    0415380898                           O            01/01/33
    0
1

    8269583          E22/G02             F          135,000.00         ZZ
                                         360        135,000.00          1
                                       6.375            842.22         70
                                       6.125            842.22
    HOUSTON          TX   77096          5            12/03/02         00
    0415398353                           05           02/01/03          0
    0415398353                           O            01/01/33
    0

    8269589          E22/G02             F          427,500.00         ZZ
                                         360        427,500.00          1
                                       6.375          2,667.04         78
                                       6.125          2,667.04
    BOTHELL          WA   98021          2            12/03/02         00
    0415398478                           03           02/01/03          0
    0415398478                           O            01/01/33
    0

    8269595          E22/G02             F          170,100.00         ZZ
                                         360        170,100.00          1
                                       6.500          1,075.15         90
                                       6.250          1,075.15
    RICHMOND         VA   23235          5            12/03/02         10
    0415399518                           05           02/01/03         25
    0415399518                           O            01/01/33
    0

    8269599          E22/G02             F          102,000.00         ZZ
                                         360        102,000.00          1
                                       6.750            661.57         66
                                       6.500            661.57
    ALBUQUERQUE      NM   87110          5            12/03/02         00
    0415401264                           05           02/01/03          0
    0415401264                           O            01/01/33
    0

    8269603          E22/G02             F          105,500.00         ZZ
                                         360        105,500.00          1
                                       6.500            666.83         78
                                       6.250            666.83
    SALT LAKE CITY   UT   84416          2            12/04/02         00
    0415403880                           05           02/01/03          0
    0415403880                           O            01/01/33
    0

    8269639          E22/G02             F           70,413.00         ZZ
                                         360         70,413.00          1
1

                                       7.250            480.34         80
                                       7.000            480.34
    PORT ST LUCIE    FL   34984          1            12/09/02         00
    0415417526                           05           02/01/03          0
    0415417526                           N            01/01/33
    0

    8269643          E22/G02             F          140,000.00         ZZ
                                         360        140,000.00          1
                                       6.625            896.44         49
                                       6.375            896.44
    ANTIOCH          CA   94509          5            11/26/02         00
    0415419563                           05           02/01/03          0
    0415419563                           O            01/01/33
    0

    8269663          E22/G02             F           50,000.00         ZZ
                                         360         50,000.00          1
                                       6.500            316.03         80
                                       6.250            316.03
    HOUSTON          TX   77057          1            12/09/02         00
    0415429752                           01           02/01/03          0
    0415429752                           O            01/01/33
    0

    8269677          E22/G02             F          265,000.00         ZZ
                                         360        265,000.00          2
                                       6.750          1,718.78         70
                                       6.500          1,718.78
    DENVER           CO   80203          5            12/04/02         00
    0415433051                           05           02/01/03          0
    0415433051                           O            01/01/33
    0

    8269753          E22/G02             F          293,500.00         ZZ
                                         360        293,500.00          1
                                       6.250          1,807.13         54
                                       6.000          1,807.13
    ARLINGTON        TX   76013          5            12/03/02         00
    0415511807                           05           02/01/03          0
    0415511807                           O            01/01/33
    0

    8269775          E22/G02             F          372,000.00         ZZ
                                         360        372,000.00          1
                                       6.250          2,290.47         80
                                       6.000          2,290.47
    UNION CITY       CA   94587          1            12/03/02         00
    0415522143                           05           02/01/03          0
1

    0415522143                           O            01/01/33
    0

    8269785          E22/G02             F          131,000.00         ZZ
                                         360        131,000.00          1
                                       6.125            795.97         73
                                       5.875            795.97
    TACOMA           WA   98443          5            12/04/02         00
    0415559418                           05           02/01/03          0
    0415559418                           O            01/01/33
    0

    8269789          E22/G02             F          208,000.00         ZZ
                                         360        208,000.00          1
                                       6.500          1,314.70         80
                                       6.250          1,314.70
    VALLEJO          CA   94589          5            11/26/02         00
    0415560317                           05           02/01/03          0
    0415560317                           O            01/01/33
    0

    8269819          E22/G02             F          152,000.00         ZZ
                                         360        152,000.00          1
                                       6.125            923.57         65
                                       5.875            923.57
    COVENTRY         RI   02816          5            12/03/02         00
    0415548668                           05           02/01/03          0
    0415548668                           O            01/01/33
    0

    8269831          E22/G02             F          160,000.00         ZZ
                                         360        160,000.00          1
                                       6.125            972.18         72
                                       5.875            972.18
    COOPER CITY      FL   33330          2            12/04/02         00
    0415556190                           05           02/01/03          0
    0415556190                           O            01/01/33
    0

    8269839          E22/G02             F           95,200.00         ZZ
                                         360         95,200.00          1
                                       6.750            617.47         85
                                       6.500            617.47
    CHARLOTTE        NC   28215          5            12/04/02         10
    0415569524                           05           02/01/03         12
    0415569524                           O            01/01/33
    0

1

    8269853          E22/G02             F          122,400.00         ZZ
                                         360        122,400.00          1
                                       7.250            834.98         74
                                       7.000            834.98
    ARLINGTON        TN   38002          1            12/09/02         00
    0415591387                           05           02/01/03          0
    0415591387                           O            01/01/33
    0

    8269873          E22/G02             F          229,050.00         ZZ
                                         360        229,050.00          1
                                       7.625          1,621.20         90
                                       7.375          1,621.20
    GRANTS PASS      OR   97526          1            12/04/02         10
    0415611177                           05           02/01/03         25
    0415611177                           O            01/01/33
    0

    8269891          E22/G02             F          172,000.00         ZZ
                                         360        172,000.00          1
                                       7.500          1,202.65         80
                                       7.250          1,202.65
    MIDDLETOWN       NJ   07718          1            12/09/02         00
    0415472885                           05           02/01/03          0
    0415472885                           N            01/01/33
    0

    8269895          E22/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.750          1,297.20         69
                                       6.500          1,297.20
    FORT BRAGG       CA   95437          5            11/27/02         00
    0415475136                           05           02/01/03          0
    0415475136                           O            01/01/33
    0

    8269915          E22/G02             F          104,000.00         ZZ
                                         360        104,000.00          1
                                       7.375            718.30         33
                                       7.125            718.30
    BOYNTON BEACH    FL   33437          2            12/04/02         00
    0415483353                           03           02/01/03          0
    0415483353                           O            01/01/33
    0

    8269927          E22/G02             F          161,000.00         ZZ
                                         360        160,839.23          1
                                       6.500          1,017.63         89
                                       6.250          1,017.63
1

    LAWRENCEVILLE    GA   30044          2            11/26/02         10
    0415488154                           03           01/01/03         30
    0415488154                           O            12/01/32
    0

    8269935          E22/G02             F          112,100.00         ZZ
                                         360        112,100.00          1
                                       6.875            736.42         95
                                       6.625            736.42
    NORTH MIAMI BEA  FL   33162          5            12/03/02         04
    0415489491                           07           02/01/03         30
    0415489491                           O            01/01/33
    0

    8269939          E22/G02             F           86,320.00         ZZ
                                         360         86,320.00          1
                                       7.375            596.19         80
                                       7.125            596.19
    PORT ST LUCIE    FL   34952          1            12/09/02         00
    0415495134                           05           02/01/03          0
    0415495134                           N            01/01/33
    0

    8270611          L76/G02             F          187,000.00         ZZ
                                         360        187,000.00          1
                                       6.250          1,151.39        100
                                       6.000          1,151.39
    OWATONNA         MN   55060          1            12/06/02         11
    0435107438                           05           02/01/03         35
    9507146                              O            01/01/33
    0

    8270647          E47/G02             F          130,000.00         ZZ
                                         360        129,879.60          1
                                       6.375            811.03         65
                                       6.125            811.03
    LAFAYETTE        CO   80026          2            11/27/02         00
    0435097571                           05           01/01/03          0
    7321011519                           O            12/01/32
    0

    8270767          964/G02             F          350,000.00         ZZ
                                         360        349,667.91          1
                                       6.250          2,155.01         70
                                       6.000          2,155.01
    CONIFER          CO   80433          5            12/02/02         00
    0435142831                           05           01/01/03          0
    299256                               O            12/01/32
    0
1

    8270831          U05/G02             F          525,000.00         ZZ
                                         360        524,501.85          1
                                       6.250          3,232.52         70
                                       6.000          3,232.52
    MERCER ISLAND    WA   98040          5            11/22/02         00
    0435069281                           05           01/01/03          0
    3286699                              O            12/01/32
    0

    8271091          962/G02             F           36,150.00         ZZ
                                         360         36,150.00          1
                                       7.500            252.77         90
                                       7.250            252.77
    MOORHEAD         MN   56560          1            12/06/02         14
    0435084991                           05           02/01/03         25
    2002629                              N            01/01/33
    0

    8271109          A52/G02             F          120,650.00         ZZ
                                         360        120,562.68          1
                                       7.625            853.95         95
                                       7.375            853.95
    ATLANTA          GA   30331          1            12/02/02         04
    0435109871                           01           01/01/03         30
    22427                                O            12/01/32
    0

    8271215          B39/G02             F          171,000.00         ZZ
                                         360        171,000.00          1
                                       6.875          1,123.35         95
                                       6.625          1,123.35
    MONTICELLO       MN   55362          5            12/02/02         12
    0435107578                           05           02/01/03         30
    200233541                            O            01/01/33
    0

    8271579          P59/G02             F          344,000.00         ZZ
                                         360        343,710.99          1
                                       6.875          2,259.84         80
                                       6.625          2,259.84
    ARROYO GRANDE    CA   93420          1            11/26/02         00
    0435068317                           05           01/01/03          0
    AT004920                             O            12/01/32
    0

    8271655          477/G02             F          145,600.00         ZZ
                                         360        145,477.68          1
1

                                       6.875            956.49         80
                                       6.625            956.49
    BORING           OR   97009          1            11/20/02         00
    0435118880                           05           01/01/03          0
    258090                               N            12/01/32
    0

    8271657          U19/G02             F          171,720.00         ZZ
                                         360        171,589.33          1
                                       7.375          1,186.03         95
                                       7.125          1,186.03
    DENVER           CO   80204          1            11/26/02         01
    0435050471                           01           01/01/03         30
    58041201                             O            12/01/32
    0

    8271681          A19/G02             F          278,000.00         ZZ
                                         360        278,000.00          4
                                       6.750          1,803.10         74
                                       6.500          1,803.10
    LYNN             MA   01905          5            12/03/02         00
    0435123005                           05           02/01/03          0
    11863                                O            01/01/33
    0

    8271713          K15/G02             F          107,200.00         ZZ
                                         360        107,100.71          2
                                       6.375            668.79         36
                                       6.125            668.79
    LITCHFIELD       NH   03052          5            11/25/02         00
    0435059688                           05           01/01/03          0
    0320005506383                        O            12/01/32
    0

    8271793          K15/G02             F          164,000.00         ZZ
                                         360        164,000.00          1
                                       6.875          1,077.36         85
                                       6.625          1,077.36
    SCARBOROUGH      ME   04074          5            12/02/02         41
    0435061635                           05           02/01/03         12
    007705301901                         O            01/01/33
    0

    8271795          B98/G02             F          290,000.00         ZZ
                                         360        289,724.84          1
                                       6.250          1,785.58         58
                                       6.000          1,785.58
    MILPITAS         CA   95035          5            11/15/02         00
    0435094479                           05           01/01/03          0
1

    B210165VP                            O            12/01/32
    0

    8271801          X13/G02             F          158,000.00         ZZ
                                         360        157,867.26          1
                                       6.875          1,037.95         84
                                       6.625          1,037.95
    PEMBROKE PINES   FL   33024          2            11/29/02         04
    0435112537                           09           01/01/03         12
    95298601                             O            12/01/32
    0

    8271913          U87/G02             F          360,000.00         ZZ
                                         360        359,666.57          1
                                       6.375          2,245.93         80
                                       6.125          2,245.93
    PASADENA AREA    CA   91107          2            11/22/02         00
    0435102066                           05           01/01/03          0
    7491                                 O            12/01/32
    0

    8272023          562/G02             F          360,000.00         ZZ
                                         360        360,000.00          2
                                       7.250          2,455.84         90
                                       7.000          2,455.84
    YONKERS          NY   10701          1            12/02/02         04
    0435096615                           05           02/01/03         25
    297048614                            O            01/01/33
    0

    8272029          758/G02             F           68,000.00         ZZ
                                         360         67,942.87          1
                                       6.875            446.71         80
                                       6.625            446.71
    CONROE           TX   77385          5            11/21/02         00
    0435144795                           03           01/01/03          0
    1                                    O            12/01/32
    0

    8272059          K15/G02             F          119,900.00         ZZ
                                         360        119,900.00          1
                                       6.750            777.67         69
                                       6.500            777.67
    WEST BLOOMFIELD  MI   48324          5            12/02/02         00
    0435053749                           05           02/01/03          0
    035605506142                         O            01/01/33
    0

1

    8272657          253/253             F          264,000.00         ZZ
                                         360        264,000.00          1
                                       6.375          1,647.02         80
                                       6.125          1,647.02
    NAPERVILLE       IL   60540          1            12/03/02         00
    443302                               05           02/01/03          0
    443302                               O            01/01/33
    0

    8272771          W39/G02             F           99,750.00         ZZ
                                         360         99,750.00          1
                                       7.500            697.47         95
                                       7.250            697.47
    KENNER           LA   70065          5            12/05/02         01
    0435089875                           05           02/01/03         30
    LA024480                             O            01/01/33
    0

    8272779          U35/G02             F           72,250.00         ZZ
                                         360         72,250.00          1
                                       7.500            505.18         85
                                       7.250            505.18
    WAUPACA          WI   54981          5            12/06/02         01
    0435103023                           05           02/01/03         12
    0007521753                           O            01/01/33
    0

    8272893          E40/G02             F          280,000.00         ZZ
                                         360        280,000.00          1
                                       6.500          1,769.79         75
                                       6.250          1,769.79
    SAUGUS           MA   01906          2            12/04/02         00
    0435117270                           01           02/01/03          0
    200200153                            O            01/01/33
    0

    8272973          M37/G02             F          190,050.00         ZZ
                                         360        189,873.98          1
                                       6.375          1,185.66         83
                                       6.125          1,185.66
    ALBUQUERQUE      NM   87114          1            11/22/02         04
    0435096623                           05           01/01/03         12
    609222                               O            12/01/32
    0

    8273013          408/G02             F          100,000.00         ZZ
                                         360         99,918.02          2
                                       7.000            665.31         77
                                       6.750            665.31
1

    GRAIN VALLEY     MO   64029          2            11/15/02         00
    0435102694                           05           01/01/03          0
    703028743                            N            12/01/32
    0

    8273063          E22/G02             F           90,000.00         ZZ
                                         360         89,766.21          1
                                       6.750            583.74         90
                                       6.500            583.74
    NORTH AUGUSTA    SC   29841          5            09/25/02         10
    0415001601                           05           11/01/02         25
    0415001601                           O            10/01/32
    0

    8273067          E22/G02             F          223,200.00         ZZ
                                         360        223,200.00          1
                                       6.500          1,410.78         80
                                       6.250          1,410.78
    HAYWARD          CA   94544          2            11/26/02         00
    0415076595                           01           02/01/03          0
    0415076595                           O            01/01/33
    0

    8273077          E22/G02             F          181,000.00         ZZ
                                         360        181,000.00          1
                                       6.125          1,099.78         73
                                       5.875          1,099.78
    LAKE WORTH       FL   33467          5            12/05/02         00
    0415164300                           03           02/01/03          0
    0415164300                           O            01/01/33
    0

    8273085          E22/G02             F           76,415.00         ZZ
                                         360         76,415.00          2
                                       7.000            508.39         85
                                       6.750            508.39
    SPARTA           MO   65714          2            12/10/02         04
    0415210541                           05           02/01/03         20
    0415210541                           N            01/01/33
    0

    8273117          E22/G02             F          135,000.00         ZZ
                                         360        135,000.00          1
                                       6.625            864.42         75
                                       6.375            864.42
    WIMBERLEY        TX   78676          5            12/10/02         00
    0415318542                           05           02/01/03          0
    0415318542                           N            01/01/33
    0
1

    8273123          E22/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       7.000          1,330.60         36
                                       6.750          1,330.60
    HORSESHOE BAY    TX   78657          5            12/05/02         00
    0415325224                           03           02/01/03          0
    0415325224                           O            01/01/33
    0

    8273129          E22/G02             F          280,000.00         ZZ
                                         360        280,000.00          1
                                       6.625          1,792.87         45
                                       6.375          1,792.87
    MANALAPAN TOWNS  NJ   07726          5            12/05/02         00
    0415353978                           05           02/01/03          0
    0415353978                           O            01/01/33
    0

    8273133          E22/G02             F           99,600.00         ZZ
                                         360         99,600.00          1
                                       6.250            613.25         80
                                       6.000            613.25
    HOUSTON          TX   77089          5            12/05/02         00
    0415371848                           03           02/01/03          0
    0415371848                           O            01/01/33
    0

    8273135          E22/G02             F          123,000.00         ZZ
                                         360        123,000.00          1
                                       7.625            870.59         85
                                       7.375            870.59
    WILMINGTON       NC   28411          2            12/05/02         01
    0415377951                           05           02/01/03         12
    0415377951                           O            01/01/33
    0

    8273155          E22/G02             F          319,500.00         ZZ
                                         360        319,500.00          1
                                       7.125          2,152.53         90
                                       6.875          2,152.53
    STERLING HEIGHT  MI   48314          1            12/10/02         04
    0415410638                           03           02/01/03         25
    0415410638                           O            01/01/33
    0

    8273177          E22/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
1

                                       6.750          1,297.20         76
                                       6.500          1,297.20
    WEST PALM BEACH  FL   33412          5            12/05/02         00
    0415418862                           05           02/01/03          0
    0415418862                           O            01/01/33
    0

    8273185          E22/G02             F          315,000.00         ZZ
                                         360        315,000.00          1
                                       6.500          1,991.01         90
                                       6.250          1,991.01
    DEERFIELD BEACH  FL   33442          1            12/10/02         04
    0415431204                           03           02/01/03         25
    0415431204                           O            01/01/33
    0

    8273191          E22/G02             F           60,000.00         ZZ
                                         360         60,000.00          1
                                       6.875            394.16         80
                                       6.625            394.16
    EUGENE           OR   97402          1            12/04/02         00
    0415434703                           09           02/01/03          0
    0415434703                           N            01/01/33
    0

    8273203          E22/G02             F          126,000.00         ZZ
                                         360        126,000.00          1
                                       6.500            796.41         59
                                       6.250            796.41
    OAKDALE          CA   95361          5            12/04/02         00
    0415451533                           05           02/01/03          0
    0415451533                           O            01/01/33
    0

    8273205          E22/G02             F          189,600.00         ZZ
                                         360        189,600.00          1
                                       6.375          1,182.86         80
                                       6.125          1,182.86
    MIAMI            FL   33155          5            12/05/02         00
    0415455195                           05           02/01/03          0
    0415455195                           O            01/01/33
    0

    8273209          E22/G02             F          264,000.00         ZZ
                                         360        264,000.00          2
                                       6.375          1,647.02         80
                                       6.125          1,647.02
    BOONTON          NJ   07005          1            12/10/02         00
    0415456979                           05           02/01/03          0
1

    0415456979                           O            01/01/33
    0

    8273221          E22/G02             F          512,000.00         ZZ
                                         360        512,000.00          1
                                       6.750          3,320.82         79
                                       6.500          3,320.82
    DENVER           CO   80210          5            12/05/02         00
    0415484450                           05           02/01/03          0
    0415484450                           O            01/01/33
    0

    8273223          E22/G02             F          205,500.00         ZZ
                                         360        205,500.00          1
                                       6.500          1,298.90         77
                                       6.250          1,298.90
    EMERSON          NJ   07630          2            12/05/02         00
    0415485291                           05           02/01/03          0
    0415485291                           O            01/01/33
    0

    8273233          E22/G02             F           46,000.00         ZZ
                                         360         46,000.00          1
                                       7.250            313.80         80
                                       7.000            313.80
    ANDERSON         IN   46012          1            12/10/02         00
    0415495001                           05           02/01/03          0
    0415495001                           N            01/01/33
    0

    8273239          E22/G02             F          360,000.00         ZZ
                                         360        360,000.00          1
                                       6.250          2,216.58         80
                                       6.000          2,216.58
    CAMARILLO        CA   93010          2            12/03/02         00
    0415507417                           05           02/01/03          0
    0415507417                           O            01/01/33
    0

    8273241          E22/G02             F          340,000.00         ZZ
                                         360        340,000.00          1
                                       6.500          2,149.03         80
                                       6.250          2,149.03
    FLINT HILL       VA   22627          5            12/05/02         00
    0415509769                           05           02/01/03          0
    0415509769                           O            01/01/33
    0

1

    8273245          E22/G02             F          199,900.00         ZZ
                                         360        199,900.00          1
                                       6.625          1,279.98         87
                                       6.375          1,279.98
    GALLOWAY         NJ   08205          1            12/10/02         04
    0415510452                           05           02/01/03         25
    0415510452                           O            01/01/33
    0

    8273259          E22/G02             F          195,000.00         ZZ
                                         360        195,000.00          1
                                       6.500          1,232.53         59
                                       6.250          1,232.53
    OLYMPIA FIELDS   IL   60461          5            12/05/02         00
    0415524560                           05           02/01/03          0
    0415524560                           O            01/01/33
    0

    8273271          E22/G02             F          456,000.00         ZZ
                                         360        456,000.00          1
                                       6.250          2,807.67         80
                                       6.000          2,807.67
    SAN FRANCISCO    CA   94121          5            12/04/02         00
    0415536465                           07           02/01/03          0
    0415536465                           O            01/01/33
    0

    8273273          E22/G02             F          149,000.00         ZZ
                                         360        149,000.00          1
                                       6.875            978.82         80
                                       6.625            978.82
    KRUM             TX   76249          5            12/05/02         00
    0415538438                           05           02/01/03          0
    0415538438                           O            01/01/33
    0

    8273283          E22/G02             F          287,850.00         ZZ
                                         360        287,850.00          1
                                       6.625          1,843.14         95
                                       6.375          1,843.14
    VISTA            CA   92083          1            12/03/02         11
    0415542166                           05           02/01/03         30
    0415542166                           O            01/01/33
    0

    8273287          E22/G02             F          296,000.00         ZZ
                                         360        296,000.00          1
                                       6.500          1,870.92         80
                                       6.250          1,870.92
1

    SOUTHLAKE        TX   76092          5            12/05/02         00
    0415546175                           03           02/01/03          0
    0415546175                           O            01/01/33
    0

    8273299          E22/G02             F          185,600.00         ZZ
                                         360        185,600.00          1
                                       6.875          1,219.26         80
                                       6.625          1,219.26
    COLORADO SPRING  CO   80919          5            12/05/02         00
    0415563584                           05           02/01/03          0
    0415563584                           O            01/01/33
    0

    8273301          E22/G02             F          463,800.00         ZZ
                                         360        463,800.00          1
                                       6.625          2,969.76         74
                                       6.375          2,969.76
    NEWBURY          MA   01951          5            12/05/02         00
    0415566405                           05           02/01/03          0
    0415566405                           O            01/01/33
    0

    8273319          E22/G02             F          187,100.00         ZZ
                                         360        187,100.00          4
                                       6.500          1,182.60         80
                                       6.250          1,182.60
    WORCESTER        MA   01606          1            12/10/02         00
    0415598283                           05           02/01/03          0
    0415598283                           N            01/01/33
    0

    8273327          E22/G02             F          175,000.00         ZZ
                                         360        175,000.00          1
                                       6.375          1,091.77         80
                                       6.125          1,091.77
    CODY             WY   82450          5            11/27/02         00
    0415600824                           05           02/01/03          0
    0415600824                           O            01/01/33
    0

    8273337          E22/G02             F          114,000.00         ZZ
                                         360        114,000.00          1
                                       6.375            711.21         75
                                       6.125            711.21
    WILMINGTON       NC   28403          1            12/09/02         00
    0415604396                           05           02/01/03          0
    0415604396                           O            01/01/33
    0
1

    8273357          E22/G02             F          418,500.00         ZZ
                                         360        418,500.00          1
                                       6.500          2,645.20         90
                                       6.250          2,645.20
    GLENDALE         CA   91206          1            12/06/02         04
    0415673151                           05           02/01/03         25
    0415673151                           O            01/01/33
    0

    8273367          E82/G02             F          130,200.00         ZZ
                                         360        130,200.00          2
                                       6.625            833.68         38
                                       6.375            833.68
    METUCHEN         NJ   08840          2            12/06/02         00
    0400723995                           05           02/01/03          0
    1757007                              O            01/01/33
    0

    8273377          E82/G02             F          268,650.00         ZZ
                                         360        268,650.00          1
                                       6.875          1,764.84         81
                                       6.625          1,764.84
    SAN JOSE         CA   95131          2            12/05/02         04
    0400725610                           01           02/01/03         12
    3521986                              O            01/01/33
    0

    8273379          E82/G02             F           51,700.00         ZZ
                                         360         51,700.00          1
                                       7.000            343.96         74
                                       6.750            343.96
    EASLEY           SC   29640          2            12/09/02         00
    0400728648                           07           02/01/03          0
    1614198                              N            01/01/33
    0

    8273873          W40/G02             F          104,000.00         ZZ
                                         360        103,922.82          1
                                       7.500            727.18         80
                                       7.250            727.18
    CORMSTOCK        MI   49321          5            11/27/02         00
    0435102496                           05           01/01/03          0
    102014550                            O            12/01/32
    0

    8274181          S11/G02             F          315,000.00         ZZ
                                         360        314,735.36          1
1

                                       6.875          2,069.33         75
                                       6.625          2,069.33
    ALISO VIEJO ARE  CA   92656          2            11/25/02         00
    0435092499                           29           01/01/03          0
    10209167                             O            12/01/32
    0

    8274577          U97/G02             F          167,000.00         ZZ
                                         360        166,849.03          1
                                       6.500          1,055.55         77
                                       6.250          1,055.55
    SAN DIEGO        CA   92154          2            11/21/02         00
    0435112941                           01           01/01/03          0
    20029596                             O            12/01/32
    0

    8274693          F61/G02             F          130,000.00         ZZ
                                         360        130,000.00          1
                                       6.375            811.03         64
                                       6.125            811.03
    SEATTLE          WA   98106          5            12/02/02         00
    0435089917                           05           02/01/03          0
    022509B                              O            01/01/33
    0

    8274789          N47/G02             F          443,000.00         ZZ
                                         360        442,599.52          1
                                       6.500          2,800.06         80
                                       6.250          2,800.06
    SAN DIEGO        CA   92128          2            11/25/02         00
    0435118195                           09           01/01/03          0
    30500741                             O            12/01/32
    0

    8274795          X71/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.500          1,896.20         78
                                       6.250          1,896.20
    CASTRO VALLEY    CA   94546          1            12/03/02         00
    0435109814                           05           02/01/03          0
    7491298                              O            01/01/33
    0

    8274943          N47/G02             F          650,000.00         ZZ
                                         360        650,000.00          1
                                       6.125          3,949.47         60
                                       5.875          3,949.47
    CASTRO VALLEY    CA   94552          5            12/02/02         00
    0435110796                           05           02/01/03          0
1

    90500045                             O            01/01/33
    0

    8274945          B28/G02             F          215,200.00         ZZ
                                         360        214,995.80          1
                                       6.250          1,325.03         80
                                       6.000          1,325.03
    EVERGREEN        CO   80439          1            11/26/02         00
    0435092374                           01           01/01/03          0
    01300743                             O            12/01/32
    0

    8274989          883/G02             F          132,500.00         ZZ
                                         360        132,391.39          1
                                       7.000            881.53         58
                                       6.750            881.53
    HALETHORPE       MD   21227          5            11/25/02         00
    0435113501                           05           01/01/03          0
    05019258                             O            12/01/32
    0

    8274991          J40/G02             F          123,000.00         ZZ
                                         360        122,748.69          1
                                       6.875            808.02         85
                                       6.625            808.02
    SATSUMA          AL   36572          4            11/05/02         11
    0435118781                           05           12/01/02         12
    7760672                              O            11/01/32
    0

    8275115          T29/G02             F          285,000.00         ZZ
                                         360        285,000.00          1
                                       6.500          1,801.39         65
                                       6.250          1,801.39
    PAYSON           AZ   85541          2            11/25/02         00
    0435088489                           05           02/01/03          0
    1527060                              O            01/01/33
    0

    8275283          H81/G02             F          160,000.00         ZZ
                                         360        159,865.58          2
                                       6.875          1,051.09         85
                                       6.625          1,051.09
    RACINE           WI   53404          5            11/26/02         04
    0435165535                           05           01/01/03         12
    WH16989                              O            12/01/32
    0

1

    8275293          N47/G02             F          341,250.00         ZZ
                                         360        340,956.19          1
                                       6.750          2,213.34         75
                                       6.500          2,213.34
    SAN DIEGO        CA   92109          2            11/25/02         00
    0435125935                           05           01/01/03          0
    30500414                             N            12/01/32
    0

    8275303          P09/G02             F          115,800.00         ZZ
                                         360        115,800.00          1
                                       6.680            745.70         80
                                       6.430            745.70
    FREDERICK        MD   21703          5            12/04/02         00
    0435109541                           09           02/01/03          0
    R0209162                             O            01/01/33
    0

    8275357          P44/G02             F          256,000.00         ZZ
                                         360        256,000.00          1
                                       6.250          1,576.24         80
                                       6.000          1,576.24
    HARWICH          MA   02645          5            11/27/02         00
    0435109194                           05           02/01/03          0
    1                                    O            01/01/33
    0

    8275395          940/G02             F           48,000.00         ZZ
                                         360         48,000.00          1
                                       7.500            335.62         80
                                       7.250            335.62
    APPLE VALLEY     CA   92308          1            12/03/02         00
    0435102546                           05           02/01/03          0
    73020044                             N            01/01/33
    0

    8275401          601/G02             F          166,000.00         ZZ
                                         360        165,860.53          1
                                       6.875          1,090.51         26
                                       6.625          1,090.51
    SAN JOSE         CA   95418          5            11/14/02         00
    0435017355                           05           01/01/03          0
    62120027                             O            12/01/32
    0

    8275403          N74/G02             F          180,000.00         ZZ
                                         360        180,000.00          1
                                       6.375          1,122.97         75
                                       6.125          1,122.97
1

    DALLAS           TX   75238          5            11/29/02         00
    0435157581                           05           02/01/03          0
    0031237010                           O            01/01/33
    0

    8275407          E47/G02             F          184,000.00         ZZ
                                         360        183,833.66          1
                                       6.500          1,163.01         80
                                       6.250          1,163.01
    LAVEEN           AZ   85339          1            11/26/02         00
    0435117601                           05           01/01/03          0
    7320011680                           O            12/01/32
    0

    8275461          F89/G02             F          316,000.00         ZZ
                                         360        316,000.00          1
                                       6.875          2,075.90         79
                                       6.625          2,075.90
    SAUGUS           CA   91350          2            12/02/02         00
    0435113196                           03           02/01/03          0
    16824265                             O            01/01/33
    0

    8275467          A50/G02             F          256,000.00         T
                                         360        256,000.00          1
                                       6.875          1,681.74         80
                                       6.625          1,681.74
    TYBEE ISLAND     GA   31328          2            12/03/02         00
    0435110317                           05           02/01/03          0
    943395                               O            01/01/33
    0

    8275491          P01/G02             F           55,530.00         ZZ
                                         360         55,488.78          2
                                       7.500            388.28         90
                                       7.250            388.28
    AMSTERDAM        NY   12010          1            11/25/02         04
    0435102645                           05           01/01/03         25
    02003241                             N            12/01/32
    0

    8275537          F61/G02             F          300,700.00         ZZ
                                         360        300,700.00          1
                                       7.000          2,000.56         74
                                       6.750          2,000.56
    COVINGTON        WA   98042          1            12/03/02         00
    0435114376                           03           02/01/03          0
    022572B                              O            01/01/33
    0
1

    8275549          940/G02             F           73,600.00         ZZ
                                         360         73,545.38          1
                                       7.500            514.62         80
                                       7.250            514.62
    MESA             AZ   85205          1            11/21/02         00
    0435112966                           01           01/01/03          0
    67020156                             N            12/01/32
    0

    8275551          975/G02             F          543,750.00         ZZ
                                         360        542,833.75          1
                                       6.875          3,572.05         75
                                       6.625          3,572.05
    CERRITOS         CA   90703          1            10/28/02         00
    0435113360                           03           12/01/02          0
    2024807                              O            11/01/32
    0

    8275553          N47/G02             F          270,500.00         ZZ
                                         360        270,243.33          1
                                       6.250          1,665.52         66
                                       6.000          1,665.52
    THOUSAND OAKS    CA   91362          2            11/19/02         00
    0435183967                           05           01/01/03          0
    30500652                             O            12/01/32
    0

    8275579          975/G02             F           90,000.00         ZZ
                                         360         89,832.85          1
                                       6.375            561.48         79
                                       6.125            561.48
    BAKERSFIELD      CA   93307          1            10/28/02         00
    0435122049                           05           12/01/02          0
    2024688                              O            11/01/32
    0

    8275583          S11/G02             F          492,000.00         ZZ
                                         360        491,533.17          1
                                       6.250          3,029.33         80
                                       6.000          3,029.33
    LAGUNA NIGUEL    CA   92677          5            11/25/02         00
    0435110853                           03           01/01/03          0
    10210011                             O            12/01/32
    0

    8275781          E47/G02             F          375,000.00         ZZ
                                         360        374,684.96          1
1

                                       6.875          2,463.48         87
                                       6.625          2,463.48
    SAN JOSE         CA   95127          5            11/21/02         11
    0435047352                           05           01/01/03         25
    7333012770                           O            12/01/32
    0

    8275815          N74/G02             F           82,175.00         ZZ
                                         360         82,102.49          1
                                       6.625            526.18         95
                                       6.375            526.18
    MOORESVILLE      NC   28115          5            11/30/02         10
    0435113774                           05           01/05/03         30
    0031265010                           O            12/05/32
    0

    8275827          U28/G02             F           59,000.00         ZZ
                                         360         59,000.00          1
                                       6.500            372.92         69
                                       6.250            372.92
    DALLAS           GA   30132          2            12/04/02         00
    0435040738                           05           02/01/03          0
    2000006507                           O            01/01/33
    0

    8275853          N74/G02             F           98,400.00         ZZ
                                         360         98,400.00          1
                                       6.500            621.95         80
                                       6.250            621.95
    COLFAX           NC   27235          5            11/29/02         00
    0435092804                           05           02/01/03          0
    0031262010                           O            01/01/33
    0

    8275869          A46/G02             F          175,500.00         ZZ
                                         360        175,500.00          4
                                       7.500          1,227.13         90
                                       7.250          1,227.13
    AUSTIN           TX   78741          1            12/04/02         04
    0435107602                           05           02/01/03         25
    0726005                              N            01/01/33
    0

    8275891          940/G02             F          175,900.00         ZZ
                                         360        175,755.81          1
                                       7.000          1,170.27         80
                                       6.750          1,170.27
    WILDOMAR         CA   92595          1            11/22/02         00
    0435048442                           05           01/01/03          0
1

    63021007                             O            12/01/32
    0

    8275987          742/G02             F          171,200.00         ZZ
                                         360        171,200.00          1
                                       6.875          1,124.66         73
                                       6.625          1,124.66
    ROCHESTER        NY   14618          2            11/25/02         00
    0435116132                           05           02/01/03          0
    5804844                              O            01/01/33
    0

    8276051          742/G02             F           59,200.00         T
                                         360         59,200.00          1
                                       6.250            364.50         80
                                       6.000            364.50
    CORNWALLVILLE    NY   12222          1            12/06/02         00
    0435112776                           05           02/01/03          0
    5180476                              O            01/01/33
    0

    8276135          H58/G02             F          317,850.00         ZZ
                                         360        317,576.34          1
                                       6.750          2,061.57         78
                                       6.500          2,061.57
    PORTLAND         OR   97209          1            11/26/02         00
    0435107719                           08           01/01/03          0
    0000117375                           O            12/01/32
    0

    8276291          N74/G02             F          124,200.00         ZZ
                                         360        124,082.15          1
                                       6.250            764.72         77
                                       6.000            764.72
    SCOTTSBURG       VA   24589          2            11/27/02         00
    0435093034                           05           01/03/03          0
    0031203010                           O            12/03/32
    0

    8276413          P09/G02             F          176,000.00         ZZ
                                         360        175,824.79          1
                                       6.000          1,055.21         71
                                       5.750          1,055.21
    CROWNSVILLE      MD   21032          2            10/30/02         00
    0435132923                           05           01/01/03          0
    R0205433                             O            12/01/32
    0

1

    8276435          P01/G02             F           42,500.00         ZZ
                                         360         42,500.00          2
                                       6.500            268.63         85
                                       6.250            268.63
    ALBANY           NY   12206          1            12/02/02         04
    0435116330                           05           02/01/03         12
    02009280                             N            01/01/33
    0

    8276481          H93/G02             F          378,000.00         ZZ
                                         360        378,000.00          1
                                       6.875          2,483.19         90
                                       6.625          2,483.19
    FAIRWAY          KS   66205          5            12/02/02         12
    0435110358                           05           02/01/03         25
    2002001845                           O            01/01/33
    0

    8276535          U36/G02             F          650,000.00         ZZ
                                         360        650,000.00          1
                                       6.750          4,215.89         75
                                       6.500          4,215.89
    GERMANTOWN       MD   20874          5            12/03/02         00
    0435104716                           05           02/01/03          0
    833062002                            O            01/01/33
    0

    8276551          E11/G02             F          560,000.00         ZZ
                                         360        559,481.33          1
                                       6.375          3,493.67         75
                                       6.125          3,493.67
    MINNEAPOLIS      MN   55409          1            12/02/02         00
    0435132956                           05           01/01/03          0
    0004001048409                        O            12/01/32
    0

    8276589          B44/G02             F          213,600.00         ZZ
                                         360        213,420.55          1
                                       6.875          1,403.20         80
                                       6.625          1,403.20
    VACAVILLE        CA   95687          5            11/20/02         00
    0435040951                           03           01/01/03          0
    3020623                              O            12/01/32
    0

    8276619          B57/G02             F           80,500.00         ZZ
                                         360         80,438.75          1
                                       7.375            555.99         90
                                       7.125            555.99
1

    PEORIA           AZ   85345          2            11/26/02         01
    0435131727                           05           01/01/03         25
    20001116                             N            12/01/32
    0

    8276623          S27/G02             F          164,000.00         ZZ
                                         360        163,851.73          3
                                       6.500          1,036.60         80
                                       6.250          1,036.60
    FREDERICKSBURG   VA   22401          2            12/02/02         00
    0435104328                           05           01/01/03          0
    1130010787                           N            12/01/32
    0

    8276851          967/G02             F           89,200.00         ZZ
                                         360         89,119.37          1
                                       6.500            563.80         80
                                       6.250            563.80
    BOISE            ID   83703          1            12/02/02         00
    0435106356                           05           01/01/03          0
    5817952                              N            12/01/32
    0

    8276893          L86/G02             F          220,500.00         ZZ
                                         360        220,500.00          1
                                       6.500          1,393.71         70
                                       6.250          1,393.71
    COSTA MESA       CA   92627          5            12/02/02         00
    0435132295                           05           02/01/03          0
    10001270                             O            01/01/33
    0

    8276897          R84/G02             F          195,000.00         ZZ
                                         360        194,823.72          1
                                       6.500          1,232.53         62
                                       6.250          1,232.53
    CHULA VISTA      CA   91910          5            11/21/02         00
    0435104823                           05           01/01/03          0
    LVW5305                              O            12/01/32
    0

    8276931          Q14/G02             F           68,500.00         ZZ
                                         360         68,500.00          1
                                       6.500            432.97         52
                                       6.250            432.97
    LAKE TAPAWINGO   MO   64015          5            12/05/02         00
    0435059092                           03           02/01/03          0
    0000210349                           O            01/01/33
    0
1

    8277051          967/G02             F          200,000.00         ZZ
                                         360        199,814.76          1
                                       6.375          1,247.74         50
                                       6.125          1,247.74
    BLAINE COUNTY    ID   83333          1            12/03/02         00
    0435117486                           03           01/01/03          0
    5853239                              O            12/01/32
    0

    8277099          588/G02             F          388,000.00         ZZ
                                         360        387,665.94          1
                                       6.750          2,516.56         80
                                       6.500          2,516.56
    BIRMINGHAM       PA   19382          1            11/15/02         00
    0435091624                           05           01/01/03          0
    1079525                              O            12/01/32
    0

    8277105          W30/G02             F          592,000.00         ZZ
                                         360        592,000.00          1
                                       6.375          3,693.31         80
                                       6.125          3,693.31
    NORTH ANDOVER    MA   01845          5            12/06/02         00
    0435110051                           05           02/01/03          0
    0646714                              O            01/01/33
    0

    8277109          F61/G02             F          159,800.00         ZZ
                                         360        159,800.00          1
                                       6.500          1,010.04         30
                                       6.250          1,010.04
    SEATTLE          WA   98122          2            12/01/02         00
    0435131446                           05           02/01/03          0
    022326B                              O            01/01/33
    0

    8277145          E47/G02             F          300,000.00         ZZ
                                         360        299,741.71          1
                                       6.750          1,945.79         78
                                       6.500          1,945.79
    TERRELL          NC   28682          1            11/27/02         00
    0435149810                           05           01/01/03          0
    7350510267                           O            12/01/32
    0

    8277173          642/G02             F          192,400.00         ZZ
                                         360        192,400.00          1
1

                                       6.500          1,216.10         65
                                       6.250          1,216.10
    SAN MARCOS       CA   92069          5            12/06/02         00
    0435089461                           05           02/01/03          0
    11207502                             O            01/01/33
    0

    8277181          X80/G02             F          272,000.00         ZZ
                                         360        271,748.07          1
                                       6.375          1,696.93         61
                                       6.125          1,696.93
    LOS ANGELES      CA   90043          2            11/22/02         00
    0435106273                           05           01/01/03          0
    1410082020                           O            12/01/32
    0

    8277211          893/G02             F          220,000.00         ZZ
                                         360        220,000.00          1
                                       6.625          1,408.68         80
                                       6.375          1,408.68
    SAN PABLO        CA   94806          5            12/01/02         00
    0435105671                           05           02/01/03          0
    M21114091                            O            01/01/33
    0

    8277219          U05/G02             F          375,000.00         ZZ
                                         360        374,652.68          1
                                       6.375          2,339.51         63
                                       6.125          2,339.51
    SANTA MONICA     CA   90403          5            11/07/02         00
    0435115365                           01           01/01/03          0
    3282293                              O            12/01/32
    0

    8277257          K60/G02             F           70,400.00         ZZ
                                         360         70,334.80          1
                                       6.375            439.20         80
                                       6.125            439.20
    LANSING          MI   48911          5            11/22/02         00
    0435112131                           05           01/01/03          0
    0001042716                           O            12/01/32
    0

    8277335          K15/G02             F          200,000.00         ZZ
                                         360        199,823.55          1
                                       6.625          1,280.62         80
                                       6.375          1,280.62
    CITRUS HEIGHTS   CA   95610          5            11/16/02         00
    0435076278                           05           01/01/03          0
1

    039005504513                         O            12/01/32
    0

    8277387          E22/G02             F          368,000.00         ZZ
                                         360        368,000.00          1
                                       6.375          2,295.84         73
                                       6.125          2,295.84
    MUKILTEO         WA   98275          2            12/03/02         00
    0414629147                           05           02/01/03          0
    0414629147                           O            01/01/33
    0

    8277397          E22/G02             F          184,500.00         ZZ
                                         360        184,500.00          1
                                       6.750          1,196.66         88
                                       6.500          1,196.66
    GROVER           WY   83122          5            12/02/02         01
    0414973867                           05           02/01/03         25
    0414973867                           O            01/01/33
    0

    8277407          E22/G02             F          497,000.00         ZZ
                                         360        497,000.00          1
                                       6.375          3,100.63         74
                                       6.125          3,100.63
    ALAMEDA          CA   94502          2            12/04/02         00
    0415044981                           03           02/01/03          0
    0415044981                           O            01/01/33
    0

    8277433          E22/G02             F          143,500.00         ZZ
                                         360        143,370.27          1
                                       6.500            907.02         76
                                       6.250            907.02
    SPOKANE          WA   99212          2            11/21/02         00
    0415217231                           05           01/01/03          0
    0415217231                           O            12/01/32
    0

    8277437          E22/G02             F          180,000.00         ZZ
                                         360        180,000.00          1
                                       6.375          1,122.97         65
                                       6.125          1,122.97
    ELKHORN          NE   68022          1            12/11/02         00
    0415276781                           05           02/01/03          0
    0415276781                           O            01/01/33
    0

1

    8277439          E22/G02             F          560,000.00         ZZ
                                         360        560,000.00          1
                                       7.250          3,820.19         70
                                       7.000          3,820.19
    SAN ANTONIO      TX   78209          5            12/06/02         00
    0415278639                           03           02/01/03          0
    0415278639                           O            01/01/33
    0

    8277443          E22/G02             F          185,000.00         ZZ
                                         360        185,000.00          3
                                       6.625          1,184.58         51
                                       6.375          1,184.58
    REVERE           MA   02121          5            12/05/02         00
    0415289347                           05           02/01/03          0
    0415289347                           O            01/01/33
    0

    8277453          E22/G02             F          176,000.00         ZZ
                                         360        176,000.00          1
                                       7.000          1,170.93         84
                                       6.750          1,170.93
    MIAMI            FL   33196          5            12/06/02         04
    0415315852                           05           02/01/03         12
    0415315852                           O            01/01/33
    0

    8277455          E22/G02             F          215,000.00         ZZ
                                         360        215,000.00          1
                                       6.375          1,341.32         74
                                       6.125          1,341.32
    WOODLAND         CA   95695          5            12/04/02         00
    0415316868                           05           02/01/03          0
    0415316868                           O            01/01/33
    0

    8277457          E22/G02             F          179,000.00         ZZ
                                         360        179,000.00          1
                                       6.375          1,116.73         59
                                       6.125          1,116.73
    KIRKLAND         WA   98033          2            12/04/02         00
    0415317940                           05           02/01/03          0
    0415317940                           O            01/01/33
    0

    8277497          E22/G02             F          202,400.00         ZZ
                                         360        202,400.00          1
                                       6.500          1,279.31         80
                                       6.250          1,279.31
1

    FOX ISLAND       WA   98333          5            12/04/02         00
    0415333889                           05           02/01/03          0
    0415333889                           O            01/01/33
    0

    8277501          E22/G02             F          360,000.00         ZZ
                                         360        360,000.00          1
                                       6.500          2,275.44         80
                                       6.250          2,275.44
    BEDFORD          NH   03110          5            12/06/02         00
    0415333905                           05           02/01/03          0
    0415333905                           O            01/01/33
    0

    8277505          E22/G02             F          117,000.00         ZZ
                                         360        117,000.00          1
                                       6.375            729.93         80
                                       6.125            729.93
    BEND             OR   97701          5            12/05/02         00
    0415347392                           05           02/01/03          0
    0415347392                           O            01/01/33
    0

    8277513          E22/G02             F          186,000.00         ZZ
                                         360        186,000.00          1
                                       6.375          1,160.40         78
                                       6.125          1,160.40
    PITTSBURG        CA   94565          2            12/02/02         00
    0415356609                           05           02/01/03          0
    0415356609                           O            01/01/33
    0

    8277517          E22/G02             F          423,750.00         ZZ
                                         360        423,750.00          1
                                       6.750          2,748.43         75
                                       6.500          2,748.43
    LOXAHATCHEE      FL   33470          5            12/06/02         00
    0415362003                           03           02/01/03          0
    0415362003                           O            01/01/33
    0

    8277533          E22/G02             F          109,000.00         ZZ
                                         360        109,000.00          1
                                       6.500            688.95         74
                                       6.250            688.95
    LAKEVILLE (PAUP  PA   18438          5            12/06/02         00
    0415406099                           05           02/01/03          0
    0415406099                           O            01/01/33
    0
1

    8277553          E22/G02             F          595,190.00         ZZ
                                         360        595,190.00          1
                                       6.375          3,713.21         77
                                       6.125          3,713.21
    REDWOOD CITY     CA   94065          2            12/04/02         00
    0415424340                           05           02/01/03          0
    0415424340                           O            01/01/33
    0

    8277565          E22/G02             F          237,500.00         ZZ
                                         360        237,500.00          1
                                       6.375          1,481.69         95
                                       6.125          1,481.69
    FARMINGTON       CT   06032          5            12/06/02         01
    0415438571                           05           02/01/03         30
    0415438571                           O            01/01/33
    0

    8277567          E22/G02             F          241,600.00         ZZ
                                         360        241,600.00          1
                                       7.375          1,668.67         80
                                       7.125          1,668.67
    WHEATON          IL   60187          1            12/11/02         00
    0415442045                           05           02/01/03          0
    0415442045                           O            01/01/33
    0

    8277571          X31/G02             F          108,800.00         ZZ
                                         360        108,699.23          1
                                       6.375            678.77         85
                                       6.125            678.77
    AZUSA            CA   91702          5            11/13/02         10
    0435126412                           01           01/01/03         25
    40104909                             O            12/01/32
    0

    8277579          E22/G02             F           93,600.00         ZZ
                                         360         93,600.00          1
                                       6.875            614.89         80
                                       6.625            614.89
    MEMPHIS          TN   38117          1            12/10/02         00
    0415462548                           01           02/01/03          0
    0415462548                           O            01/01/33
    0

    8277581          E22/G02             F           97,850.00         ZZ
                                         360         97,850.00          1
1

                                       7.750            701.01         95
                                       7.500            701.01
    ANDERSON         SC   29621          1            12/11/02         10
    0415465343                           05           02/01/03         30
    0415465343                           O            01/01/33
    0

    8277587          E22/G02             F          130,800.00         ZZ
                                         360        130,800.00          1
                                       6.500            826.74         77
                                       6.250            826.74
    SANTA FE         NM   87501          2            12/06/02         00
    0415474139                           05           02/01/03          0
    0415474139                           O            01/01/33
    0

    8277591          E22/G02             F          105,300.00         ZZ
                                         360        105,300.00          2
                                       7.500            736.27         90
                                       7.250            736.27
    HOUSTON          TX   77072          1            12/11/02         04
    0415477538                           05           02/01/03         25
    0415477538                           N            01/01/33
    0

    8277597          E22/G02             F          110,500.00         ZZ
                                         360        110,500.00          1
                                       6.250            680.37         56
                                       6.000            680.37
    ANNAPOLIS        MD   21403          5            12/06/02         00
    0415483221                           01           02/01/03          0
    0415483221                           O            01/01/33
    0

    8277605          E22/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
                                       6.875            709.48         75
                                       6.625            709.48
    MILWAUKIE        OR   97222          2            12/05/02         00
    0415500925                           05           02/01/03          0
    0415500925                           N            01/01/33
    0

    8277607          E22/G02             F           72,000.00         ZZ
                                         360         71,947.89          1
                                       7.625            509.61         75
                                       7.375            509.61
    SPOKANE          WA   99205          2            11/21/02         00
    0415501261                           05           01/01/03          0
1

    0415501261                           N            12/01/32
    0

    8277619          E22/G02             F          300,700.00         ZZ
                                         360        300,700.00          1
                                       6.250          1,851.46         72
                                       6.000          1,851.46
    SAN DIMAS        CA   91773          5            12/04/02         00
    0415512011                           05           02/01/03          0
    0415512011                           O            01/01/33
    0

    8277621          E22/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.375          1,247.74         69
                                       6.125          1,247.74
    DURANGO          CO   81301          5            12/06/02         00
    0415525732                           05           02/01/03          0
    0415525732                           O            01/01/33
    0

    8277623          E22/G02             F          113,000.00         ZZ
                                         360        113,000.00          2
                                       6.625            723.55         80
                                       6.375            723.55
    ROUND ROCK       TX   78664          2            12/11/02         00
    0415528330                           05           02/01/03          0
    0415528330                           N            01/01/33
    0

    8277625          E22/G02             F           61,000.00         ZZ
                                         360         61,000.00          1
                                       6.500            385.56         65
                                       6.250            385.56
    WEST PALM BEACH  FL   33406          5            12/06/02         00
    0415528769                           09           02/01/03          0
    0415528769                           O            01/01/33
    0

    8277631          E22/G02             F          338,400.00         ZZ
                                         360        338,400.00          1
                                       6.500          2,138.92         80
                                       6.250          2,138.92
    HOUSTON          TX   77030          5            12/05/02         00
    0415532431                           05           02/01/03          0
    0415532431                           O            01/01/33
    0

1

    8277635          E22/G02             F          123,000.00         T
                                         360        123,000.00          1
                                       6.500            777.44         75
                                       6.250            777.44
    FLORISSANT       CO   80816          5            12/11/02         00
    0415534593                           05           02/01/03          0
    0415534593                           O            01/01/33
    0

    8277639          E22/G02             F          204,250.00         ZZ
                                         360        204,250.00          1
                                       6.875          1,341.78         95
                                       6.625          1,341.78
    GURLEY           AL   35748          5            12/06/02         01
    0415539386                           05           02/01/03         30
    0415539386                           O            01/01/33
    0

    8277671          E22/G02             F          190,000.00         ZZ
                                         360        190,000.00          1
                                       7.000          1,264.07         64
                                       6.750          1,264.07
    STERLING HEIGHT  MI   48314          2            12/11/02         00
    0415578160                           05           02/01/03          0
    0415578160                           N            01/01/33
    0

    8277673          E22/G02             F           66,400.00         ZZ
                                         360         66,400.00          1
                                       7.625            469.98         80
                                       7.375            469.98
    GARDEN CITY      MI   48135          1            12/11/02         00
    0415579150                           05           02/01/03          0
    0415579150                           N            01/01/33
    0

    8277679          E22/G02             F          128,000.00         ZZ
                                         360        128,000.00          1
                                       6.375            798.55         80
                                       6.125            798.55
    PLANTATION       FL   33324          5            12/06/02         00
    0415584606                           09           02/01/03          0
    0415584606                           O            01/01/33
    0

    8277681          E22/G02             F          128,000.00         ZZ
                                         360        128,000.00          1
                                       6.625            819.60         78
                                       6.375            819.60
1

    HARRISBURG       PA   17110          5            12/06/02         00
    0415586650                           05           02/01/03          0
    0415586650                           O            01/01/33
    0

    8277693          E22/G02             F          313,000.00         ZZ
                                         360        313,000.00          1
                                       6.500          1,978.37         90
                                       6.250          1,978.37
    GUILFORD         CT   06437          5            12/06/02         01
    0415598671                           05           02/01/03         25
    0415598671                           O            01/01/33
    0

    8277709          E22/G02             F          161,500.00         ZZ
                                         360        161,500.00          1
                                       6.750          1,047.49         95
                                       6.500          1,047.49
    LEICESTER        MA   01611          5            12/06/02         01
    0415627231                           05           02/01/03         30
    0415627231                           O            01/01/33
    0

    8277749          E57/G02             F          348,000.00         ZZ
                                         360        347,700.38          1
                                       6.750          2,257.12         80
                                       6.500          2,257.12
    SANTA ANA        CA   92705          1            11/25/02         00
    0435104682                           05           01/01/03          0
    06012241                             O            12/01/32
    0

    8277855          S11/G02             F          178,500.00         ZZ
                                         360        178,500.00          1
                                       6.500          1,128.24         85
                                       6.250          1,128.24
    LONG BEACH       CA   90807          5            12/02/02         04
    0435113287                           01           02/01/03         12
    10210077                             O            01/01/33
    0

    8277951          883/G02             F          150,000.00         ZZ
                                         360        150,000.00          1
                                       6.375            935.80         69
                                       6.125            935.80
    BOCA RATON       FL   33428          2            11/27/02         00
    0435106349                           05           02/01/03          0
    05019362                             O            01/01/33
    0
1

    8277965          N74/G02             F          227,000.00         ZZ
                                         360        226,588.47          1
                                       6.500          1,434.79         35
                                       6.250          1,434.79
    ALEXANDRIA       VA   22314          5            10/31/02         00
    0435116975                           07           12/05/02          0
    0031046010                           O            11/05/32
    0

    8277975          420/G02             F          117,000.00         ZZ
                                         360        116,886.29          1
                                       6.125            710.90         43
                                       5.875            710.90
    YORKVILLE        CA   95494          5            11/25/02         00
    0435068192                           05           01/01/03          0
    72003018                             O            12/01/32
    0

    8278085          144/144             F          150,000.00         ZZ
                                         360        149,721.42          1
                                       6.375            935.80         20
                                       6.125            935.80
    KINGSTON         NY   12401          2            10/23/02         00
    160701599                            05           12/01/02          0
    160701599                            O            11/01/32
    0

    8278359          420/G02             F          300,700.00         ZZ
                                         360        300,414.69          1
                                       6.250          1,851.46         78
                                       6.000          1,851.46
    ROCKLIN          CA   95765          2            11/22/02         00
    0435063482                           05           01/01/03          0
    72004384                             O            12/01/32
    0

    8278389          420/G02             F          327,000.00         ZZ
                                         360        326,689.72          1
                                       6.250          2,013.40         76
                                       6.000          2,013.40
    HEALDSBURG       CA   95448          5            11/25/02         00
    0435063227                           05           01/01/03          0
    72004428                             O            12/01/32
    0

    8278393          420/G02             F          188,000.00         ZZ
                                         360        187,838.14          2
1

                                       6.750          1,219.36         80
                                       6.500          1,219.36
    CARMICHAEL       CA   95608          5            11/14/02         00
    0435062963                           05           01/01/03          0
    72003675                             N            12/01/32
    0

    8278413          F36/G02             F          136,500.00         ZZ
                                         360        136,500.00          1
                                       6.375            851.58         75
                                       6.125            851.58
    LAKEWOOD         WA   98498          5            12/04/02         00
    0435105440                           05           02/01/03          0
    06405617                             N            01/01/33
    0

    8278457          M27/G02             F          103,050.00         ZZ
                                         360        103,050.00          1
                                       6.375            642.90         87
                                       6.125            642.90
    MEMPHIS          TN   38141          5            12/05/02         14
    0435157524                           05           02/01/03         25
    5000035099                           O            01/01/33
    0

    8278459          369/G02             F          131,575.00         ZZ
                                         360        131,464.46          1
                                       6.875            864.36         95
                                       6.625            864.36
    HOT SPRINGS VIL  AR   71909          1            11/26/02         14
    0435104856                           05           01/01/03         30
    0074802398                           O            12/01/32
    0

    8278463          369/G02             F          100,050.00         ZZ
                                         360         99,957.33          1
                                       6.375            624.19         87
                                       6.125            624.19
    HEMET            CA   92543          1            11/19/02         14
    0435111661                           05           01/01/03         25
    0074742438                           O            12/01/32
    0

    8278495          A06/G02             F          124,000.00         ZZ
                                         360        123,885.15          1
                                       6.375            773.60         80
                                       6.125            773.60
    WEST BLOOMFIELD  MI   48322          2            11/26/02         00
    0435065925                           01           01/01/03          0
1

    1000020226624                        O            12/01/32
    0

    8278531          P09/G02             F          296,800.00         ZZ
                                         360        296,512.91          1
                                       6.150          1,808.19         80
                                       5.900          1,808.19
    POTOMAC          MD   20854          1            11/22/02         00
    0435114798                           09           01/01/03          0
    BEJARANO2                            O            12/01/32
    0

    8278543          F89/G02             F           97,500.00         ZZ
                                         360         97,500.00          1
                                       6.375            608.27         75
                                       6.125            608.27
    SUN CITY         CA   92586          1            12/03/02         00
    0435108139                           03           02/01/03          0
    24983                                N            01/01/33
    0

    8278615          X81/G02             F          288,000.00         ZZ
                                         360        288,000.00          1
                                       6.990          1,914.14         80
                                       6.740          1,914.14
    ST PAUL          MN   55108          5            12/11/02         00
    0435047063                           05           02/01/03          0
    952779                               O            01/01/33
    0

    8278625          W39/G02             F          153,450.00         ZZ
                                         360        153,450.00          4
                                       7.500          1,072.94         90
                                       7.250          1,072.94
    GRETNA           LA   70056          1            12/09/02         01
    0435115902                           05           02/01/03         25
    LA024292                             N            01/01/33
    0

    8278653          W93/G02             F           97,600.00         ZZ
                                         360         97,521.95          1
                                       7.125            657.55         80
                                       6.875            657.55
    MILWAUKIE        OR   97222          1            11/22/02         00
    0435061908                           05           01/01/03          0
    37385304                             O            12/01/32
    0

1

    8278655          N74/G02             F          209,000.00         ZZ
                                         360        208,801.69          1
                                       6.250          1,286.85         70
                                       6.000          1,286.85
    FREDERICKSBURG   VA   22408          2            12/05/02         00
    0435117163                           05           01/10/03          0
    0031283010                           O            12/10/32
    0

    8278667          W93/G02             F          138,800.00         ZZ
                                         360        138,680.49          1
                                       6.750            900.26         80
                                       6.500            900.26
    CHANDLER         AZ   85224          1            11/11/02         00
    0435061213                           03           01/01/03          0
    35434794                             O            12/01/32
    0

    8278669          X51/G02             F          337,600.00         ZZ
                                         360        337,600.00          2
                                       6.250          2,078.66         80
                                       6.000          2,078.66
    SACRAMENTO       CA   95825          1            12/06/02         00
    0435112438                           05           02/01/03          0
    R2054336                             N            01/01/33
    0

    8278681          W39/G02             F          149,400.00         ZZ
                                         360        149,400.00          4
                                       7.500          1,044.63         90
                                       7.250          1,044.63
    GRETNA           LA   70056          1            12/09/02         01
    0435109822                           05           02/01/03         25
    LA024297                             N            01/01/33
    0

    8278761          P09/G02             F          180,000.00         ZZ
                                         360        180,000.00          1
                                       6.250          1,108.29         69
                                       6.000          1,108.29
    ROCKVILLE        MD   20853          5            12/11/02         00
    0435107826                           05           02/01/03          0
    R0210604                             O            01/01/33
    0

    8278801          X82/G02             F          330,000.00         ZZ
                                         360        329,729.50          1
                                       7.000          2,195.50         55
                                       6.750          2,195.50
1

    MCLEAN           VA   22101          5            11/22/02         00
    0435104112                           05           01/01/03          0
    843598                               O            12/01/32
    0

    8278865          W40/G02             F          139,750.00         ZZ
                                         360        139,750.00          1
                                       7.375            965.22         88
                                       7.125            965.22
    KALAMAZOO        MI   49009          5            12/03/02         01
    0435102553                           05           02/01/03         25
    101013722                            O            01/01/33
    0

    8278947          X51/G02             F          417,000.00         ZZ
                                         360        417,000.00          1
                                       6.125          2,533.74         72
                                       5.875          2,533.74
    ESTACADA         OR   97023          5            11/26/02         00
    0435112743                           05           02/01/03          0
    R2054105                             O            01/01/33
    0

    8278969          408/G02             F           83,250.00         ZZ
                                         360         83,178.32          2
                                       6.750            539.96         75
                                       6.500            539.96
    BLUE SPRINGS     MO   64014          5            11/27/02         00
    0435107503                           05           01/01/03          0
    703031082                            N            12/01/32
    0

    8279013          408/G02             F           93,400.00         ZZ
                                         360         93,319.59          2
                                       6.750            605.79         69
                                       6.500            605.79
    BLUE SPRINGS     MO   64015          5            11/27/02         00
    0435107586                           05           01/01/03          0
    703031088                            N            12/01/32
    0

    8279037          408/G02             F           94,150.00         ZZ
                                         360         94,068.93          2
                                       6.750            610.66         69
                                       6.500            610.66
    BLUE SPRINGS     MO   64014          5            11/27/02         00
    0435107511                           05           01/01/03          0
    703031086                            N            12/01/32
    0
1

    8279043          F36/G02             F          130,500.00         ZZ
                                         360        130,384.86          1
                                       6.625            835.61         90
                                       6.375            835.61
    OLYMPIAD         WA   98502          1            11/25/02         14
    0435106216                           05           01/01/03         25
    06405522                             O            12/01/32
    0

    8279101          W93/G02             F          113,600.00         ZZ
                                         360        113,494.78          1
                                       6.375            708.72         80
                                       6.125            708.72
    BELLINGHAM       WA   98226          1            11/21/02         00
    0435069901                           05           01/01/03          0
    05431635/PG                          O            12/01/32
    0

    8279135          F36/G02             F          110,050.00         ZZ
                                         360        109,948.07          1
                                       6.375            686.57         80
                                       6.125            686.57
    SUMNER           WA   98390          1            11/20/02         00
    0435106117                           05           01/01/03          0
    06405375                             O            12/01/32
    0

    8279375          N74/G02             F           61,750.00         ZZ
                                         360         61,698.13          1
                                       6.875            405.65         95
                                       6.625            405.65
    POCOLA           OK   74902          1            12/02/02         10
    0435141825                           05           01/02/03         30
    0031266010                           O            12/02/32
    0

    8279389          N74/G02             F          170,000.00         ZZ
                                         360        169,846.31          1
                                       6.500          1,074.52         78
                                       6.250          1,074.52
    SAN BENITO       TX   78586          5            11/25/02         00
    0435157458                           05           01/02/03          0
    0031205010                           O            12/02/32
    0

    8279499          356/G02             F          219,500.00         ZZ
                                         360        219,306.33          1
1

                                       6.625          1,405.49         69
                                       6.375          1,405.49
    PALM DESERT      CA   92211          2            11/10/02         00
    0435103296                           03           01/01/03          0
    2996890                              N            12/01/32
    0

    8279773          E82/G02             F          123,400.00         ZZ
                                         360        123,400.00          4
                                       6.500            779.97         69
                                       6.250            779.97
    SAVANNAH         GA   31406          2            12/13/02         00
    0400747168                           05           02/01/03          0
    1830452                              N            01/01/33
    0

    8279775          E82/G02             F          123,200.00         ZZ
                                         360        123,200.00          4
                                       6.500            778.71         69
                                       6.250            778.71
    SAVANNAH         GA   31406          2            12/13/02         00
    0400747150                           05           02/01/03          0
    1716309                              N            01/01/33
    0

    8279777          E82/G02             F          123,100.00         ZZ
                                         360        123,100.00          4
                                       6.500            778.08         69
                                       6.250            778.08
    SAVANNAH         GA   31406          2            12/13/02         00
    0400747143                           05           02/01/03          0
    1796310                              N            01/01/33
    0

    8279785          E82/G02             F          108,000.00         ZZ
                                         360        108,000.00          4
                                       6.375            673.78         42
                                       6.125            673.78
    GREELEY          CO   80631          2            12/10/02         00
    0400743530                           05           02/01/03          0
    5419909                              O            01/01/33
    0

    8279807          E82/G02             F           92,000.00         ZZ
                                         360         92,000.00          1
                                       6.375            573.96         58
                                       6.125            573.96
    PEABODY          MA   01960          5            12/11/02         00
    0400722005                           01           02/01/03          0
1

    0400722005                           O            01/01/33
    0

    8279819          E82/G02             F          118,000.00         ZZ
                                         360        118,000.00          1
                                       6.500            745.84         66
                                       6.250            745.84
    SAVANNAH         GA   31406          2            12/13/02         00
    0400747101                           05           02/01/03          0
    1886709                              N            01/01/33
    0

    8279933          X51/G02             F          420,000.00         ZZ
                                         360        420,000.00          1
                                       6.500          2,654.69         75
                                       6.250          2,654.69
    PACIFIC GROVE    CA   93950          5            12/05/02         00
    0435123716                           05           02/01/03          0
    R2054204                             O            01/01/33
    0

    8279971          A06/G02             F           97,600.00         ZZ
                                         360         97,513.88          1
                                       6.625            624.95         80
                                       6.375            624.95
    PORT HURON       MI   48060          5            11/25/02         00
    0435114392                           05           01/01/03          0
    021000020225510                      O            12/01/32
    0

    8279983          E85/G02             F          250,000.00         ZZ
                                         360        250,000.00          1
                                       6.000          1,498.88         36
                                       5.750          1,498.88
    SAN FRANCISCO    CA   94114          2            12/01/02         00
    0435063300                           01           02/01/03          0
    1001551                              O            01/01/33
    0

    8280043          E22/G02             F          408,000.00         ZZ
                                         360        408,000.00          1
                                       6.375          2,545.39         80
                                       6.125          2,545.39
    CULVER CITY      CA   90232          5            12/06/02         00
    0415536572                           05           02/01/03          0
    0415536572                           O            01/01/33
    0

1

    8280051          E22/G02             F          198,000.00         ZZ
                                         360        198,000.00          1
                                       6.500          1,251.49         74
                                       6.250          1,251.49
    RANCHO CUCAMONG  CA   91701          5            12/03/02         00
    0415558568                           05           02/01/03          0
    0415558568                           O            01/01/33
    0

    8280065          E22/G02             F          324,000.00         ZZ
                                         360        324,000.00          1
                                       6.375          2,021.34         80
                                       6.125          2,021.34
    SAN JOSE         CA   95118          1            12/04/02         00
    0415580414                           05           02/01/03          0
    0415580414                           O            01/01/33
    0

    8280071          E22/G02             F          155,000.00         T
                                         360        155,000.00          1
                                       6.625            992.48         74
                                       6.375            992.48
    WINTHROP         WA   98862          2            12/09/02         00
    0415586866                           05           02/01/03          0
    0415586866                           O            01/01/33
    0

    8280079          E22/G02             F          399,000.00         ZZ
                                         360        399,000.00          1
                                       6.500          2,521.95         70
                                       6.250          2,521.95
    LITTLETON        CO   80123          1            12/12/02         00
    0415595933                           03           02/01/03          0
    0415595933                           O            01/01/33
    0

    8280089          E22/G02             F          114,300.00         ZZ
                                         360        114,300.00          1
                                       7.500            799.20         90
                                       7.250            799.20
    CLINTON TOWNSHI  MI   48036          1            12/12/02         04
    0415600543                           05           02/01/03         30
    0415600543                           O            01/01/33
    0

    8280091          E22/G02             F           31,500.00         ZZ
                                         360         31,500.00          1
                                       7.125            212.22         90
                                       6.875            212.22
1

    TOLEDO           OH   43605          1            12/12/02         11
    0415601517                           05           02/01/03         25
    0415601517                           N            01/01/33
    0

    8280095          E22/G02             F          103,200.00         ZZ
                                         360        103,200.00          1
                                       6.500            652.29         80
                                       6.250            652.29
    CLEARFIELD       UT   84015          1            12/09/02         00
    0415601939                           05           02/01/03          0
    0415601939                           N            01/01/33
    0

    8280097          E22/G02             F          327,500.00         ZZ
                                         360        327,500.00          1
                                       6.375          2,043.17         95
                                       6.125          2,043.17
    MADISON          AL   35749          1            12/12/02         10
    0415602671                           05           02/01/03         35
    0415602671                           O            01/01/33
    0

    8280103          E22/G02             F          140,000.00         ZZ
                                         360        140,000.00          1
                                       6.250            862.00         59
                                       6.000            862.00
    ST CHARLES       MO   63385          1            12/12/02         00
    0415625060                           03           02/01/03          0
    0415625060                           O            01/01/33
    0

    8280105          E22/G02             F          256,000.00         ZZ
                                         360        256,000.00          1
                                       6.500          1,618.09         80
                                       6.250          1,618.09
    SANTEE           CA   92071          5            12/06/02         00
    0415626217                           05           02/01/03          0
    0415626217                           O            01/01/33
    0

    8280109          E22/G02             F           70,000.00         ZZ
                                         360         70,000.00          1
                                       6.625            448.22         29
                                       6.375            448.22
    YORBA LINDA      CA   92887          5            12/05/02         00
    0415627991                           01           02/01/03          0
    0415627991                           O            01/01/33
    0
1

    8280135          E22/G02             F           79,650.00         ZZ
                                         360         79,650.00          1
                                       7.250            543.35         90
                                       7.000            543.35
    WARSAW           OH   43844          1            12/12/02         01
    0415655281                           05           02/01/03         30
    0415655281                           O            01/01/33
    0

    8280141          E22/G02             F           79,200.00         ZZ
                                         360         79,200.00          4
                                       7.000            526.92         90
                                       6.750            526.92
    KANSAS CITY      MO   64123          1            12/12/02         04
    0415667914                           05           02/01/03         25
    0415667914                           N            01/01/33
    0

    8280143          E22/G02             F           84,435.00         ZZ
                                         360         84,435.00          1
                                       6.500            533.69         65
                                       6.250            533.69
    BRANSON          MO   65616          2            12/11/02         00
    0415681741                           05           02/01/03          0
    0415681741                           N            01/01/33
    0

    8280145          E22/G02             F           84,435.00         ZZ
                                         360         84,435.00          1
                                       6.500            533.69         65
                                       6.250            533.69
    BRANSON          MO   65616          2            12/11/02         00
    0415682780                           05           02/01/03          0
    0415682780                           N            01/01/33
    0

    8280153          E22/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.375          1,247.74         80
                                       6.125          1,247.74
    STOCKTON         CA   95212          2            11/27/02         00
    0415096494                           05           02/01/03          0
    0415096494                           O            01/01/33
    0

    8280171          E22/G02             F          207,500.00         ZZ
                                         360        207,500.00          4
1

                                       7.625          1,468.67         79
                                       7.375          1,468.67
    SALT LAKE CITY   UT   84115          2            12/09/02         00
    0415354745                           05           02/01/03          0
    0415354745                           N            01/01/33
    0

    8280179          E22/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       6.750            648.60         75
                                       6.500            648.60
    BEND             OR   97707          2            12/02/02         00
    0415361575                           03           02/01/03          0
    0415361575                           N            01/01/33
    0

    8280195          E22/G02             F          169,800.00         ZZ
                                         360        169,800.00          1
                                       6.250          1,045.49         62
                                       6.000          1,045.49
    ANAHEIM          CA   92801          5            12/05/02         00
    0415399344                           05           02/01/03          0
    0415399344                           O            01/01/33
    0

    8280197          E22/G02             F          299,000.00         ZZ
                                         360        298,723.07          1
                                       6.375          1,865.37         60
                                       6.125          1,865.37
    MINDEN           NV   89423          5            12/01/02         00
    0415411651                           05           01/01/03          0
    0415411651                           O            12/01/32
    0

    8280221          E85/G02             F          557,000.00         ZZ
                                         360        556,496.46          2
                                       6.500          3,520.62         65
                                       6.250          3,520.62
    SAN FRANCISCO    CA   94107          2            11/21/02         00
    0435063904                           05           01/01/03          0
    9616699                              O            12/01/32
    0

    8280223          E22/G02             F          266,250.00         ZZ
                                         360        266,004.31          1
                                       6.500          1,682.88         75
                                       6.250          1,682.88
    LA (WEST HILLS)  CA   91304          1            12/02/02         00
    0415464593                           05           01/01/03          0
1

    0415464593                           N            12/01/32
    0

    8280227          E22/G02             F          240,000.00         ZZ
                                         360        240,000.00          1
                                       6.500          1,516.96         80
                                       6.250          1,516.96
    SANTA ROSA BEAC  FL   32459          2            12/06/02         00
    0415466606                           05           02/01/03          0
    0415466606                           O            01/01/33
    0

    8280245          825/G02             F          450,000.00         ZZ
                                         360        450,000.00          1
                                       6.500          2,844.31         75
                                       6.250          2,844.31
    TRACY            CA   95304          5            12/06/02         00
    0435126438                           05           02/01/03          0
    50451                                O            01/01/33
    0

    8280301          N74/G02             F          112,000.00         ZZ
                                         360        111,898.75          1
                                       6.500            707.92         80
                                       6.250            707.92
    STANLEY          NC   28164          5            12/06/02         00
    0435135454                           05           01/11/03          0
    0031297010                           O            12/11/32
    0

    8280341          N74/G02             F           90,400.00         ZZ
                                         360         90,400.00          1
                                       6.375            563.98         80
                                       6.125            563.98
    HOUSTON          TX   77099          5            12/06/02         00
    0435183017                           03           02/01/03          0
    0031179010                           O            01/01/33
    0

    8280363          X51/G02             F          337,600.00         ZZ
                                         360        337,600.00          4
                                       6.250          2,078.66         80
                                       6.000          2,078.66
    SACRAMENTO       CA   95825          1            12/06/02         00
    0435122320                           05           02/01/03          0
    R2054316                             N            01/01/33
    0

1

    8280399          E85/G02             F          300,000.00         ZZ
                                         360        299,694.14          1
                                       5.875          1,774.61         66
                                       5.625          1,774.61
    NAVARRO          CA   95463          2            11/26/02         00
    0435064431                           05           01/01/03          0
    96116608                             O            12/01/32
    0

    8280565          E76/G02             F          157,165.00         ZZ
                                         360        157,165.00          1
                                       7.000          1,045.62         85
                                       6.750          1,045.62
    FORT COLLINS     CO   80524          1            12/02/02         04
    0435107453                           03           02/01/03         12
    10018798                             O            01/01/33
    0

    8280917          M27/G02             F          207,200.00         ZZ
                                         360        207,200.00          1
                                       6.125          1,258.97         80
                                       5.875          1,258.97
    FORT MILL        SC   29708          1            12/06/02         00
    0435127774                           03           02/01/03          0
    0100083157                           O            01/01/33
    0

    8281311          E86/G02             F          420,000.00         ZZ
                                         360        419,620.31          1
                                       6.500          2,654.69         78
                                       6.250          2,654.69
    DANBURY          CT   06811          5            11/22/02         00
    0435117593                           05           01/01/03          0
    232394                               O            12/01/32
    0

    8281477          W30/G02             F          201,600.00         ZZ
                                         360        201,600.00          1
                                       7.250          1,375.27         80
                                       7.000          1,375.27
    HASHUA           NH   03062          5            12/06/02         00
    0435129085                           05           02/01/03          0
    96132601                             O            01/01/33
    0

    8281493          X72/G02             F          193,300.00         ZZ
                                         360        193,300.00          1
                                       6.500          1,221.79         88
                                       6.250          1,221.79
1

    DENVER           CO   80232          2            12/06/02         01
    0435119946                           05           02/01/03         25
    11002692                             O            01/01/33
    0

    8281747          G34/G02             F          128,000.00         ZZ
                                         360        127,887.07          1
                                       6.625            819.60         80
                                       6.375            819.60
    YAKIMA           WA   98908          1            11/22/02         00
    0435118625                           05           01/01/03          0
    48000303                             O            12/01/32
    0

    8281751          Q49/G02             F           86,500.00         ZZ
                                         360         86,500.00          1
                                       7.625            612.24         90
                                       7.375            612.24
    TRENTON          NJ   08611          1            12/06/02         01
    0435132568                           05           02/01/03         25
    30108102                             N            01/01/33
    0

    8281755          X82/G02             F          379,100.00         ZZ
                                         360        379,100.00          1
                                       6.625          2,427.42         80
                                       6.375          2,427.42
    ROCKVILLE        MD   20850          1            12/06/02         00
    0435066808                           09           02/01/03          0
    821050                               N            01/01/33
    0

    8281833          E57/G02             F          153,000.00         ZZ
                                         360        153,000.00          1
                                       7.375          1,056.73         75
                                       7.125          1,056.73
    LOS ANGELES      CA   91331          5            12/03/02         00
    0435126578                           05           02/01/03          0
    06012148                             N            01/01/33
    0

    8281935          738/G02             F           83,000.00         ZZ
                                         360         83,000.00          1
                                       6.750            538.34         55
                                       6.500            538.34
    COLUMBUS         GA   31906          2            11/26/02         00
    0435065396                           05           02/01/03          0
    40602750                             O            01/01/33
    0
1

    8281943          738/G02             F          104,000.00         ZZ
                                         360        104,000.00          1
                                       6.625            665.93         39
                                       6.375            665.93
    NORTH BAY VILLA  FL   33141          2            11/26/02         00
    0435107529                           05           02/01/03          0
    40726940                             O            01/01/33
    0

    8281985          L33/G02             F          152,000.00         ZZ
                                         360        151,881.42          1
                                       7.250          1,036.91         78
                                       7.000          1,036.91
    LAS VEGAS        NV   89123          2            11/19/02         00
    0435117262                           05           01/01/03          0
    2703370                              N            12/01/32
    0

    8281989          E47/G02             F          502,400.00         ZZ
                                         360        501,945.82          1
                                       6.500          3,175.51         80
                                       6.250          3,175.51
    FREMONT          CA   94539          1            11/22/02         00
    0435114749                           05           01/01/03          0
    7359512411                           O            12/01/32
    0

    8282313          W68/G02             F          204,000.00         ZZ
                                         360        203,828.62          1
                                       6.875          1,340.13         80
                                       6.625          1,340.13
    HOUSTON          TX   77059          5            11/14/02         00
    0435141981                           03           01/01/03          0
    32677                                O            12/01/32
    0

    8282425          U05/G02             F          400,000.00         ZZ
                                         360        399,629.52          1
                                       6.375          2,495.48         64
                                       6.125          2,495.48
    OAKLAND          CA   94618          5            11/20/02         00
    0435164405                           05           01/01/03          0
    3273925                              O            12/01/32
    0

    8282459          E85/G02             F          310,000.00         ZZ
                                         360        309,719.76          1
1

                                       6.500          1,959.41         29
                                       6.250          1,959.41
    NOVATO           CA   94949          5            11/25/02         00
    0435063615                           05           01/01/03          0
    9616721                              O            12/01/32
    0

    8282517          A06/G02             F           96,200.00         ZZ
                                         360         96,115.12          1
                                       6.625            615.98         65
                                       6.375            615.98
    WATERFORD        MI   48327          5            11/11/02         00
    0435170758                           05           01/01/03          0
    035000020227518                      O            12/01/32
    0

    8282533          E45/G02             F          507,000.00         ZZ
                                         360        506,102.89          1
                                       6.625          3,246.38         78
                                       6.375          3,246.38
    SAN DIEGO        CA   92120          5            10/07/02         00
    0435141692                           05           12/01/02          0
    277219                               O            11/01/32
    0

    8282781          964/G02             F          450,000.00         ZZ
                                         360        449,562.63          1
                                       6.125          2,734.25         75
                                       5.875          2,734.25
    SHORELINE        WA   98177          5            11/01/02         00
    0435076591                           03           01/01/03          0
    282173                               O            12/01/32
    0

    8282835          286/286             F          127,968.00         ZZ
                                         360        127,849.47          1
                                       6.375            798.36         75
                                       6.125            798.36
    SACRAMENTO       CA   95842          1            11/19/02         00
    1779717                              05           01/01/03          0
    1779717                              N            12/01/32
    0

    8282847          286/286             F          152,000.00         ZZ
                                         360        151,724.42          1
                                       6.500            960.75         80
                                       6.250            960.75
    DENVER           CO   80221          2            10/24/02         00
    1729827                              05           12/01/02          0
1

    1729827                              N            11/01/32
    0

    8282853          286/286             F           52,000.00         ZZ
                                         360         51,918.61          1
                                       7.250            354.74         80
                                       7.000            354.74
    HARTFORD CITY    IN   47348          5            11/01/02         00
    1745656                              05           12/01/02          0
    1745656                              N            11/01/32
    0

    8282859          286/286             F          166,500.00         ZZ
                                         360        166,252.08          1
                                       7.500          1,164.20         90
                                       7.250          1,164.20
    DES MOINES       WA   98198          1            10/31/02         10
    1696536                              05           12/01/02         25
    1696536                              N            11/01/32
    0

    8282867          286/286             F          157,500.00         ZZ
                                         360        157,357.62          1
                                       6.500            995.51         75
                                       6.250            995.51
    CORPUS CHRISTI   TX   78413          5            11/25/02         00
    814053                               05           01/01/03          0
    814053                               N            12/01/32
    0

    8282873          286/286             F           82,500.00         ZZ
                                         360         82,354.80          1
                                       6.750            535.10         75
                                       6.500            535.10
    INDIANAPOLIS     IN   46217          2            10/24/02         00
    1694794                              05           12/01/02          0
    1694794                              N            11/01/32
    0

    8282879          286/286             F           36,000.00         ZZ
                                         360         35,560.39          1
                                       7.375            248.65         80
                                       7.125            248.65
    HARTFORD CITY    IN   47348          5            11/12/02         00
    1764338                              05           01/01/03          0
    1764338                              N            12/01/32
    0

1

    8282883          286/286             F          116,900.00         ZZ
                                         360        116,688.07          1
                                       6.500            738.89         90
                                       6.250            738.89
    LUSBY            MD   20657          1            10/21/02         10
    0001251930                           05           12/01/02         25
    0001251930                           N            11/01/32
    0

    8282889          286/286             F           59,900.00         ZZ
                                         360         59,847.15          1
                                       6.625            383.55         80
                                       6.375            383.55
    NAMPA            ID   83686          1            11/19/02         00
    0001247137                           05           01/01/03          0
    0001247137                           N            12/01/32
    0

    8282893          286/286             F          166,500.00         ZZ
                                         360        166,226.24          1
                                       7.000          1,107.73         90
                                       6.750          1,107.73
    TOWSON           MD   21204          1            10/29/02         11
    0001249769                           05           12/01/02         25
    0001249769                           N            11/01/32
    0

    8282923          286/286             F          149,400.00         ZZ
                                         360        149,160.33          1
                                       7.125          1,006.54         90
                                       6.875          1,006.54
    SCOTTSDALE       AZ   85260          1            10/17/02         10
    1675595                              01           12/01/02         25
    1675595                              N            11/01/32
    0

    8282925          286/286             F           52,000.00         ZZ
                                         360         51,920.60          1
                                       7.375            359.16         79
                                       7.125            359.16
    LEXINGTON        KY   40505          2            10/07/02         00
    1559726                              05           12/01/02          0
    1559726                              N            11/01/32
    0

    8282933          286/286             F          100,000.00         ZZ
                                         360         99,818.71          1
                                       6.500            632.07         80
                                       6.250            632.07
1

    WEST PALM BEACH  FL   33407          1            10/21/02         00
    1632724                              05           12/01/02          0
    1632724                              N            11/01/32
    0

    8282935          286/286             F           30,000.00         ZZ
                                         360         29,908.93          1
                                       6.875            197.08         75
                                       6.625            197.08
    LANSING          NC   28643          1            09/17/02         00
    1498968                              05           11/01/02          0
    1498968                              N            10/01/32
    0

    8282971          E47/G02             F          332,000.00         ZZ
                                         360        331,692.50          1
                                       6.375          2,071.25         80
                                       6.125          2,071.25
    CORONA           CA   92881          1            11/26/02         00
    0435114707                           03           01/01/03          0
    7331014698                           O            12/01/32
    0

    8283015          286/286             F           73,800.00         ZZ
                                         360         73,630.49          1
                                       7.375            509.72         90
                                       7.125            509.72
    KEANSBURG        NJ   07734          1            09/26/02         12
    1028686                              05           11/01/02         25
    1028686                              N            10/01/32
    0

    8283019          286/286             F          106,200.00         ZZ
                                         360        106,037.88          1
                                       7.375            733.50         90
                                       7.125            733.50
    KEANSBURG        NJ   07734          1            10/24/02         04
    1546389                              05           12/01/02         25
    1546389                              N            11/01/32
    0

    8283029          286/286             F           72,000.00         ZZ
                                         360         71,803.67          1
                                       6.500            455.09         80
                                       6.250            455.09
    MIAMI            FL   33138          1            09/30/02         00
    1502126                              05           11/01/02          0
    1502126                              N            10/01/32
    0
1

    8283049          286/286             F          147,500.00         ZZ
                                         360        147,035.56          2
                                       7.250          1,006.21         75
                                       7.000          1,006.21
    NEW ORLEANS      LA   70118          5            09/05/02         00
    1468108                              05           10/01/02          0
    1468108                              N            09/01/32
    0

    8283053          286/286             F           97,200.00         ZZ
                                         360         97,032.15          1
                                       6.750            630.44         80
                                       6.500            630.44
    LEVITTOWN        PA   19055          2            10/01/02         00
    1508836                              05           12/01/02          0
    1508836                              N            11/01/32
    0

    8283057          286/286             F           77,200.00         ZZ
                                         360         77,079.17          1
                                       7.250            526.65         80
                                       7.000            526.65
    LANCASTER        OH   43130          1            10/23/02         00
    1653015                              05           12/01/02          0
    1653015                              N            11/01/32
    0

    8283067          286/286             F           67,000.00         ZZ
                                         360         66,830.14          1
                                       6.875            440.15         80
                                       6.625            440.15
    BARBERTON        OH   44203          2            09/27/02         00
    1563255                              05           11/01/02          0
    1563255                              N            10/01/32
    0

    8283073          286/286             F          123,750.00         ZZ
                                         360        123,561.08          1
                                       7.375            854.72         75
                                       7.125            854.72
    SILVER SPRING    MD   20910          5            10/10/02         00
    1404898                              01           12/01/02          0
    1404898                              N            11/01/32
    0

    8283081          286/286             F          160,000.00         ZZ
                                         360        159,695.57          1
1

                                       6.250            985.15         79
                                       6.000            985.15
    DENVER           CO   80234          2            10/25/02         00
    1684902                              05           12/01/02          0
    1684902                              N            11/01/32
    0

    8283093          286/286             F           49,500.00         ZZ
                                         360         49,380.51          1
                                       7.125            333.50         90
                                       6.875            333.50
    MAYS LANDING     NJ   08330          1            09/27/02         11
    1605443                              01           11/01/02         25
    1605443                              N            10/01/32
    0

    8283101          286/286             F          121,400.00         ZZ
                                         360        121,195.42          1
                                       6.875            797.52         90
                                       6.625            797.52
    WESTERVILLE      OH   43081          1            10/04/02         10
    1619680                              05           12/01/02         25
    1619680                              N            11/01/32
    0

    8283105          286/286             F           76,500.00         ZZ
                                         360         76,371.07          2
                                       6.875            502.56         90
                                       6.625            502.56
    CHATTANOOGA      TN   37412          1            10/16/02         11
    1576952                              05           12/01/02         25
    1576952                              N            11/01/32
    0

    8283109          286/286             F          148,410.00         ZZ
                                         360        148,165.98          1
                                       7.000            987.38         90
                                       6.750            987.38
    DENVER           CO   80219          1            10/11/02         10
    1643535                              05           12/01/02         25
    1643535                              N            11/01/32
    0

    8283113          286/286             F          110,250.00         ZZ
                                         360        109,963.63          1
                                       6.750            715.08         75
                                       6.500            715.08
    ARVADA           CO   80003          5            09/10/02         00
    1487852                              03           11/01/02          0
1

    1487852                              N            10/01/32
    0

    8283117          286/286             F          107,250.00         ZZ
                                         360        106,971.39          1
                                       6.750            695.63         75
                                       6.500            695.63
    AURORA           CO   80012          2            09/10/02         00
    1487945                              03           11/01/02          0
    1487945                              N            10/01/32
    0

    8283125          286/286             F          115,550.00         ZZ
                                         360        115,335.37          1
                                       6.375            720.89         80
                                       6.125            720.89
    MARLTON          NJ   08053          1            10/25/02         00
    1090130                              01           12/01/02          0
    1090130                              N            11/01/32
    0

    8283129          286/286             F           84,150.00         ZZ
                                         360         84,011.62          1
                                       7.000            559.86         90
                                       6.750            559.86
    BLOOMINGTON      IL   61701          1            10/01/02         10
    1520722                              05           12/01/02         25
    1520722                              N            11/01/32
    0

    8283133          286/286             F           81,900.00         ZZ
                                         360         81,761.98          2
                                       6.875            538.03         90
                                       6.625            538.03
    LARGO            FL   33771          1            10/25/02         14
    1661037                              05           12/01/02         25
    1661037                              N            11/01/32
    0

    8283141          286/286             F          114,000.00         ZZ
                                         360        113,807.91          1
                                       6.875            748.90         80
                                       6.625            748.90
    RIVERDALE        MD   20737          1            10/15/02         00
    1609498                              05           12/01/02          0
    1609498                              N            11/01/32
    0

1

    8283149          286/286             F           60,000.00         ZZ
                                         360         59,850.50          1
                                       6.375            374.33         80
                                       6.125            374.33
    SILVER SPRING    MD   20910          1            10/09/02         00
    1653135                              01           12/01/02          0
    1653135                              N            11/01/32
    0

    8283157          286/286             F           66,700.00         ZZ
                                         360         66,530.92          1
                                       6.875            438.17         75
                                       6.625            438.17
    FORT WAYNE       IN   46835          2            10/02/02         00
    1543162                              05           11/01/02          0
    1543162                              N            10/01/32
    0

    8283161          286/286             F          104,000.00         ZZ
                                         360        103,811.43          2
                                       6.500            657.36         80
                                       6.250            657.36
    LAWRENCEVILLE    GA   30045          1            10/31/02         00
    1648752                              05           12/01/02          0
    1648752                              N            11/01/32
    0

    8283167          286/286             F           55,200.00         ZZ
                                         360         54,899.37          1
                                       6.500            348.91         80
                                       6.250            348.91
    VA BEACH         VA   23456          1            10/28/02         00
    1714079                              01           12/01/02          0
    1714079                              N            11/01/32
    0

    8283173          286/286             F          120,000.00         ZZ
                                         360        119,648.81          2
                                       6.625            768.38         75
                                       6.375            768.38
    SANDY            OR   97055          5            09/25/02         00
    1613578                              05           11/01/02          0
    1613578                              N            10/01/32
    0

    8283175          286/286             F           57,500.00         ZZ
                                         360         57,407.08          1
                                       7.125            387.39         79
                                       6.875            387.39
1

    BALTIMORE        MD   21206          2            10/23/02         00
    1648548                              05           12/01/02          0
    1648548                              N            11/01/32
    0

    8283185          286/286             F          147,600.00         ZZ
                                         360        147,351.28          2
                                       6.875            969.63         90
                                       6.625            969.63
    PITTSBURGH       PA   15228          1            10/18/02         12
    1609652                              05           12/01/02         25
    1609652                              N            11/01/32
    0

    8283199          286/286             F           75,000.00         ZZ
                                         360         74,611.45          1
                                       6.500            474.06         75
                                       6.250            474.06
    LOUISVILLE       OH   44641          5            10/21/02         00
    1583281                              05           12/01/02          0
    1583281                              N            11/01/32
    0

    8283203          286/286             F          115,450.00         ZZ
                                         360        115,245.72          1
                                       6.625            739.24         75
                                       6.375            739.24
    FREDERICK        MD   21701          5            10/17/02         00
    1611849                              05           12/01/02          0
    1611849                              N            11/01/32
    0

    8283207          286/286             F           99,000.00         ZZ
                                         360         98,761.08          1
                                       7.125            666.98         90
                                       6.875            666.98
    FISHERS          IN   46038          1            09/13/02         14
    1502083                              05           11/01/02         25
    1502083                              N            10/01/32
    0

    8283209          286/286             F           93,000.00         ZZ
                                         360         92,764.23          1
                                       6.875            610.95         75
                                       6.625            610.95
    KANSAS CITY      MO   64152          2            09/27/02         00
    1527571                              05           11/01/02          0
    1527571                              N            10/01/32
    0
1

    8283211          286/286             F          117,000.00         ZZ
                                         360        116,782.69          1
                                       6.375            729.93         90
                                       6.125            729.93
    TEMPE            AZ   85283          1            10/22/02         11
    1584366                              05           12/01/02         25
    1584366                              N            11/01/32
    0

    8283213          286/286             F           98,850.00         ZZ
                                         360         98,675.08          1
                                       6.625            632.95         75
                                       6.375            632.95
    BLACKSBURG       VA   24060          5            10/28/02         00
    1640066                              03           12/01/02          0
    1640066                              N            11/01/32
    0

    8283217          286/286             F          118,800.00         ZZ
                                         360        118,609.43          2
                                       7.125            800.38         77
                                       6.875            800.38
    ABINGTON         PA   19001          2            10/08/02         00
    1572645                              05           12/01/02          0
    1572645                              N            11/01/32
    0

    8283221          286/286             F          132,400.00         ZZ
                                         360        132,154.08          1
                                       6.375            826.01         80
                                       6.125            826.01
    WALDORF          MD   20601          1            10/21/02         00
    1639688                              05           12/01/02          0
    1639688                              N            11/01/32
    0

    8283227          286/286             F           88,000.00         ZZ
                                         360         87,858.82          1
                                       7.125            592.88         80
                                       6.875            592.88
    LOCKPORT         IL   60441          1            10/04/02         00
    1557062                              05           12/01/02          0
    1557062                              N            11/01/32
    0

    8283229          286/286             F           58,800.00         ZZ
                                         360         58,693.39          1
1

                                       6.500            371.66         80
                                       6.250            371.66
    LAKE ARROWHEAD   CA   92352          1            10/09/02         00
    1632909                              05           12/01/02          0
    1632909                              N            11/01/32
    0

    8283231          286/286             F          100,000.00         ZZ
                                         360         99,809.73          1
                                       6.250            615.72         80
                                       6.000            615.72
    VIRGINIA BEACH   VA   23464          1            10/25/02         00
    1654170                              05           12/01/02          0
    1654170                              N            11/01/32
    0

    8283233          286/286             F           65,600.00         ZZ
                                         360         65,481.06          1
                                       6.500            414.64         80
                                       6.250            414.64
    DELTONA          FL   32725          5            10/22/02         00
    1665688                              05           12/01/02          0
    1665688                              N            11/01/32
    0

    8283235          286/286             F          117,000.00         ZZ
                                         360        116,821.38          1
                                       7.375            808.09         90
                                       7.125            808.09
    UNIONTOWN        OH   44685          1            10/18/02         10
    1579870                              05           12/01/02         25
    1579870                              N            11/01/32
    0

    8283237          286/286             F          120,000.00         ZZ
                                         360        119,771.67          1
                                       6.250            738.87         80
                                       6.000            738.87
    PORTLAND         OR   97236          1            10/10/02         00
    1640648                              05           12/01/02          0
    1640648                              N            11/01/32
    0

    8283239          286/286             F           78,750.00         ZZ
                                         360         78,603.73          1
                                       6.375            491.30         75
                                       6.125            491.30
    ALBUQUERQUE      NM   87110          1            10/18/02         00
    1649154                              05           12/01/02          0
1

    1649154                              N            11/01/32
    0

    8283243          286/286             F          200,800.00         ZZ
                                         360        200,278.41          1
                                       6.750          1,302.39         80
                                       6.500          1,302.39
    COLLEGE PARK     MD   20740          1            09/27/02         00
    1565306                              05           11/01/02          0
    1565306                              N            10/01/32
    0

    8283249          286/286             F          200,000.00         ZZ
                                         360        199,637.40          1
                                       6.500          1,264.14         80
                                       6.250          1,264.14
    ARLINGTON        VA   22201          2            10/24/02         00
    1662154                              01           12/01/02          0
    1662154                              N            11/01/32
    0

    8283251          286/286             F          204,000.00         ZZ
                                         360        203,621.10          2
                                       6.375          1,272.70         80
                                       6.125          1,272.70
    SACRAMENTO       CA   95821          1            10/02/02         00
    1587778                              05           12/01/02          0
    1587778                              N            11/01/32
    0

    8283253          286/286             F          162,000.00         ZZ
                                         360        161,409.54          1
                                       7.250          1,105.13         90
                                       7.000          1,105.13
    PLANT CITY       FL   33565          1            09/18/02         12
    1457109                              05           11/01/02         25
    1457109                              N            10/01/32
    0

    8283255          286/286             F           58,950.00         ZZ
                                         360         58,843.11          2
                                       6.500            372.61         77
                                       6.250            372.61
    ROANOKE          VA   24016          5            10/24/02         00
    1635884                              05           12/01/02          0
    1635884                              N            11/01/32
    0

1

    8283263          286/286             F           68,000.00         ZZ
                                         360         67,837.18          1
                                       6.875            446.72         80
                                       6.625            446.72
    TOLEDO           OH   43623          5            10/21/02         00
    1545586                              05           12/01/02          0
    1545586                              N            11/01/32
    0

    8283265          286/286             F          157,500.00         ZZ
                                         360        157,016.16          4
                                       7.375          1,087.82         88
                                       7.125          1,087.82
    COVENTRY         RI   02816          2            08/19/02         12
    1342823                              05           10/01/02         25
    1342823                              N            09/01/32
    0

    8283267          286/286             F           87,500.00         ZZ
                                         360         87,283.58          3
                                       7.000            582.14         75
                                       6.750            582.14
    PHOENIX          AZ   85040          2            10/01/02         00
    1485125                              05           11/01/02          0
    1485125                              N            10/01/32
    0

    8283273          286/286             F           39,200.00         ZZ
                                         360         39,141.62          1
                                       7.500            274.10         80
                                       7.250            274.10
    PINEVILLE        LA   71360          2            10/07/02         00
    1463417                              05           12/01/02          0
    1463417                              N            11/01/32
    0

    8283275          286/286             F          248,000.00         ZZ
                                         360        247,630.73          1
                                       7.500          1,734.06         80
                                       7.250          1,734.06
    POMPTON LAKES    NJ   07442          1            10/28/02         00
    1703505                              05           12/01/02          0
    1703505                              N            11/01/32
    0

    8283277          286/286             F           88,000.00         ZZ
                                         360         87,832.55          1
                                       6.250            541.84         80
                                       6.000            541.84
1

    BUCKHEAD         GA   30625          1            10/18/02         00
    1632992                              05           12/01/02          0
    1632992                              N            11/01/32
    0

    8283283          286/286             F          112,500.00         ZZ
                                         360        112,315.02          1
                                       7.000            748.47         90
                                       6.750            748.47
    BRICK            NJ   08723          1            10/31/02         10
    1708459                              05           12/01/02         25
    1708459                              N            11/01/32
    0

    8283285          286/286             F           96,000.00         ZZ
                                         360         95,768.32          1
                                       7.125            646.77         80
                                       6.875            646.77
    CHARLOTTE        NC   28262          5            09/23/02         00
    1544445                              05           11/01/02          0
    1544445                              N            10/01/32
    0

    8283305          286/286             F           70,500.00         ZZ
                                         360         70,355.25          1
                                       6.750            457.27         75
                                       6.500            457.27
    SAN ANTONIO      TX   78247          2            10/16/02         00
    1521911                              05           12/01/02          0
    1521911                              N            11/01/32
    0

    8283307          286/286             F           37,600.00         ZZ
                                         360         37,396.93          1
                                       6.500            237.66         75
                                       6.250            237.66
    ANDERSON         IN   46016          5            09/30/02         00
    1541273                              05           11/01/02          0
    1541273                              N            10/01/32
    0

    8283311          286/286             F           68,400.00         ZZ
                                         360         68,287.53          1
                                       7.000            455.07         90
                                       6.750            455.07
    NEW CARLISE      OH   45344          1            10/15/02         10
    1601360                              05           12/01/02         25
    1601360                              N            11/01/32
    0
1

    8283313          286/286             F          145,800.00         ZZ
                                         360        145,571.83          1
                                       7.250            994.62         90
                                       7.000            994.62
    WASHINGTON       DC   20011          1            10/10/02         11
    1636377                              05           12/01/02         25
    1636377                              N            11/01/32
    0

    8283315          286/286             F           59,200.00         ZZ
                                         360         59,092.67          1
                                       6.500            374.19         80
                                       6.250            374.19
    TAMPA            FL   33617          1            10/16/02         00
    1665108                              01           12/01/02          0
    1665108                              N            11/01/32
    0

    8283317          286/286             F          100,120.00         ZZ
                                         360         99,938.49          1
                                       6.500            632.83         80
                                       6.250            632.83
    N HUDSON         WI   54016          1            10/15/02         00
    1619055                              01           12/01/02          0
    1619055                              N            11/01/32
    0

    8283321          286/286             F           40,500.00         ZZ
                                         360         40,438.17          1
                                       7.375            279.73         90
                                       7.125            279.73
    LOS ANGELES      CA   90008          1            10/02/02         14
    1549048                              01           12/01/02         25
    1549048                              N            11/01/32
    0

    8283327          286/286             F          159,200.00         ZZ
                                         360        158,786.47          1
                                       6.750          1,032.57         76
                                       6.500          1,032.57
    TUCSON           AZ   85716          2            09/06/02         00
    1535132                              05           11/01/02          0
    1535132                              N            10/01/32
    0

    8283329          286/286             F           70,000.00         ZZ
                                         360         69,895.76          1
1

                                       7.500            489.46         78
                                       7.250            489.46
    PHOENIX          AZ   85033          1            10/28/02         00
    1489876                              05           12/01/02          0
    1489876                              N            11/01/32
    0

    8283377          286/286             F           70,400.00         ZZ
                                         360         70,297.76          1
                                       7.625            498.29         80
                                       7.375            498.29
    ANDERSON         IN   46013          2            10/16/02         00
    1552431                              05           12/01/02          0
    1552431                              N            11/01/32
    0

    8283381          286/286             F           71,920.00         ZZ
                                         360         71,815.55          1
                                       7.625            509.05         79
                                       7.375            509.05
    ANDERSON         IN   46013          2            10/16/02         00
    1552607                              05           12/01/02          0
    1552607                              N            11/01/32
    0

    8283383          286/286             F           94,400.00         ZZ
                                         360         94,136.29          1
                                       6.375            588.94         80
                                       6.125            588.94
    SUMMERVILLE      SC   29483          5            09/27/02         00
    1552162                              05           11/01/02          0
    1552162                              N            10/01/32
    0

    8283385          286/286             F          183,750.00         ZZ
                                         360        183,416.86          1
                                       6.500          1,161.43         75
                                       6.250          1,161.43
    LAS VEGAS        NV   89117          5            10/21/02         00
    1019367                              05           12/01/02          0
    1019367                              N            11/01/32
    0

    8283387          286/286             F           64,050.00         ZZ
                                         360         63,887.61          1
                                       6.875            420.77         90
                                       6.625            420.77
    DAYTON           OH   45420          1            10/04/02         10
    1609350                              05           11/01/02         25
1

    1609350                              N            10/01/32
    0

    8283391          286/286             F          156,000.00         ZZ
                                         360        155,717.18          1
                                       6.500            986.03         79
                                       6.250            986.03
    ROCKWALL         TX   75087          2            10/18/02         00
    1617751                              05           12/01/02          0
    1617751                              N            11/01/32
    0

    8283397          286/286             F           75,600.00         ZZ
                                         360         75,430.62          1
                                       7.500            528.61         90
                                       7.250            528.61
    ALEXANDRIA       VA   22312          1            09/30/02         11
    1501236                              01           11/01/02         25
    1501236                              N            10/01/32
    0

    8283399          286/286             F           37,800.00         ZZ
                                         360         37,731.64          1
                                       7.625            267.55         90
                                       7.375            267.55
    BALTIMORE        MD   21216          1            10/16/02         11
    1589027                              05           12/01/02         25
    1589027                              N            11/01/32
    0

    8283407          286/286             F          115,200.00         ZZ
                                         360        115,005.87          2
                                       6.875            756.79         90
                                       6.625            756.79
    TUCSON           AZ   85705          1            10/25/02         11
    1639349                              05           12/01/02         25
    1639349                              N            11/01/32
    0

    8283409          286/286             F          124,800.00         ZZ
                                         360        124,562.54          1
                                       6.250            768.42         80
                                       6.000            768.42
    DENVER           CO   80206          1            10/07/02         00
    1479784                              01           12/01/02          0
    1479784                              N            11/01/32
    0

1

    8283413          286/286             F           34,000.00         ZZ
                                         360         33,911.67          1
                                       6.750            220.53         80
                                       6.500            220.53
    OWENSBORO        KY   42303          2            10/01/02         00
    1449299                              05           11/01/02          0
    1449299                              N            10/01/32
    0

    8283421          286/286             F           45,000.00         ZZ
                                         360         44,924.17          1
                                       6.875            295.62         75
                                       6.625            295.62
    NEW CASTLE       IN   47362          5            10/04/02         00
    1507054                              05           12/01/02          0
    1507054                              N            11/01/32
    0

    8283427          286/286             F           68,000.00         ZZ
                                         360         67,885.40          1
                                       6.875            446.72         80
                                       6.625            446.72
    LAS CRUCES       NM   88005          5            10/03/02         00
    1611044                              05           12/01/02          0
    1611044                              N            11/01/32
    0

    8283429          286/286             F           55,200.00         ZZ
                                         360         55,106.97          1
                                       6.875            362.63         80
                                       6.625            362.63
    LAS CRUCES       NM   88003          5            10/03/02         00
    1611049                              05           12/01/02          0
    1611049                              N            11/01/32
    0

    8283433          P59/G02             F          162,000.00         ZZ
                                         360        161,882.75          1
                                       7.625          1,146.63         90
                                       7.375          1,146.63
    SANTA MARIA      CA   93458          1            11/22/02         01
    0435115571                           05           01/01/03         35
    AT004878                             N            12/01/32
    0

    8283435          286/286             F          188,600.00         ZZ
                                         360        188,073.17          4
                                       6.375          1,176.62         80
                                       6.125          1,176.62
1

    MIAMI            FL   33135          1            09/30/02         00
    1600543                              05           11/01/02          0
    1600543                              N            10/01/32
    0

    8283439          286/286             F          165,000.00         ZZ
                                         360        164,550.09          1
                                       6.500          1,042.91         75
                                       6.250          1,042.91
    COLD SPRING      KY   41076          5            10/03/02         00
    1479141                              05           11/01/02          0
    1479141                              N            10/01/32
    0

    8283441          286/286             F           72,800.00         ZZ
                                         360         72,601.48          1
                                       6.500            460.15         80
                                       6.250            460.15
    COLORADO SPRING  CO   80918          1            09/26/02         00
    1555974                              01           11/01/02          0
    1555974                              N            10/01/32
    0

    8283443          286/286             F          104,000.00         ZZ
                                         360        103,811.45          1
                                       6.500            657.36         80
                                       6.250            657.36
    TUCSON           AZ   85719          1            10/04/02         00
    1643850                              05           12/01/02          0
    1643850                              N            11/01/32
    0

    8283445          286/286             F           85,270.00         ZZ
                                         360         84,790.79          1
                                       6.250            525.02         80
                                       6.000            525.02
    DALLAS           GA   30157          1            08/01/02         00
    1387204                              05           09/01/02          0
    1387204                              N            08/01/32
    0

    8283447          286/286             F           46,620.00         ZZ
                                         360         46,545.21          1
                                       7.125            314.09         90
                                       6.875            314.09
    NEWPORT NEWS     VA   23608          1            10/14/02         11
    1511094                              01           12/01/02         25
    1511094                              N            11/01/32
    0
1

    8283451          286/286             F           91,800.00         ZZ
                                         309         91,582.18          1
                                       6.875            634.54         75
                                       6.625            634.54
    GAHANNA          OH   43230          2            10/17/02         00
    1552696                              05           12/01/02          0
    1552696                              N            08/01/28
    0

    8283453          286/286             F           96,700.00         ZZ
                                         345         96,520.11          1
                                       6.875            643.70         75
                                       6.625            643.70
    GAHANNA          OH   43230          2            10/17/02         00
    1554331                              05           12/01/02          0
    1554331                              N            08/01/31
    0

    8283455          286/286             F           93,600.00         ZZ
                                         354         93,435.93          1
                                       6.875            618.05         80
                                       6.625            618.05
    GAHANNA          OH   43230          2            10/17/02         00
    1554335                              05           12/01/02          0
    1554335                              N            05/01/32
    0

    8283469          286/286             F           88,000.00         ZZ
                                         360         87,865.65          1
                                       7.375            607.80         80
                                       7.125            607.80
    MISSION          KS   66202          1            10/10/02         00
    1627878                              05           12/01/02          0
    1627878                              N            11/01/32
    0

    8283477          286/286             F           44,100.00         ZZ
                                         360         44,034.32          1
                                       7.500            308.36         90
                                       7.250            308.36
    RICHMOND         VA   23222          1            10/04/02         10
    1522386                              05           12/01/02         25
    1522386                              N            11/01/32
    0

    8283487          286/286             F          215,350.00         ZZ
                                         360        214,950.02          1
1

                                       6.375          1,343.51         80
                                       6.125          1,343.51
    MARANA           AZ   85653          1            10/01/02         00
    1598611                              03           12/01/02          0
    1598611                              N            11/01/32
    0

    8283489          286/286             F           60,750.00         ZZ
                                         360         60,642.50          1
                                       6.625            388.99         80
                                       6.375            388.99
    SUNCITY          AZ   85351          5            10/09/02         00
    1617390                              05           12/01/02          0
    1617390                              N            11/01/32
    0

    8283499          286/286             F          103,200.00         ZZ
                                         360        103,046.34          4
                                       7.500            721.59         80
                                       7.250            721.59
    MIAMI            FL   33165          1            10/16/02         00
    1554169                              05           12/01/02          0
    1554169                              N            11/01/32
    0

    8283507          286/286             F          173,500.00         ZZ
                                         360        173,177.75          1
                                       6.375          1,082.42         78
                                       6.125          1,082.42
    BIRMINGHAM       MI   48009          2            10/17/02         00
    1546352                              05           12/01/02          0
    1546352                              N            11/01/32
    0

    8283531          286/286             F           85,900.00         ZZ
                                         360         85,690.83          1
                                       6.875            564.30         90
                                       6.625            564.30
    BOISE            ID   83706          1            10/14/02         10
    1607363                              03           12/01/02         25
    1607363                              N            11/01/32
    0

    8283535          286/286             F           81,000.00         ZZ
                                         360         80,143.94          1
                                       6.875            532.12         90
                                       6.625            532.12
    BLOOMINGTON      IL   61704          1            09/26/02         10
    1560441                              05           11/01/02         25
1

    1560441                              N            10/01/32
    0

    8283537          286/286             F          118,400.00         ZZ
                                         360        118,200.47          2
                                       6.875            777.81         80
                                       6.625            777.81
    ENFIELD          CT   06082          5            10/16/02         00
    1622796                              05           12/01/02          0
    1622796                              N            11/01/32
    0

    8283545          286/286             F          236,000.00         ZZ
                                         360        235,572.13          1
                                       6.500          1,491.69         80
                                       6.250          1,491.69
    BOTHELL          WA   98011          1            10/14/02         00
    1663192                              03           12/01/02          0
    1663192                              N            11/01/32
    0

    8283549          286/286             F          285,000.00         ZZ
                                         360        284,395.16          1
                                       6.625          1,824.89         75
                                       6.375          1,824.89
    KEY WEST         FL   33040          5            10/08/02         00
    1612557                              05           12/01/02          0
    1612557                              N            11/01/32
    0

    8283551          286/286             F           84,000.00         ZZ
                                         360         83,865.24          1
                                       7.125            565.93         80
                                       6.875            565.93
    KING OF PRUSSIA  PA   19406          1            10/04/02         00
    1601399                              05           12/01/02          0
    1601399                              N            11/01/32
    0

    8283553          286/286             F          236,000.00         ZZ
                                         360        235,572.13          1
                                       6.500          1,491.69         80
                                       6.250          1,491.69
    SAN RAMON        CA   94583          5            10/07/02         00
    1525723                              01           12/01/02          0
    1525723                              N            11/01/32
    0

1

    8283563          286/286             F          130,000.00         ZZ
                                         360        129,769.97          1
                                       6.625            832.41         75
                                       6.375            832.41
    MINNEAPOLIS      MN   55418          1            10/03/02         00
    1555009                              05           12/01/02          0
    1555009                              N            11/01/32
    0

    8283573          286/286             F           89,600.00         ZZ
                                         360         89,372.87          1
                                       6.875            588.61         80
                                       6.625            588.61
    MANSFIELD        TX   76063          1            09/20/02         00
    1592333                              05           11/01/02          0
    1592333                              N            10/01/32
    0

    8283589          286/286             F           77,400.00         ZZ
                                         360         77,203.78          1
                                       6.875            508.47         90
                                       6.625            508.47
    SAVANNAH         GA   31419          1            10/02/02         12
    1592582                              05           11/01/02         25
    1592582                              N            10/01/32
    0

    8283601          286/286             F          177,000.00         ZZ
                                         360        176,269.88          1
                                       6.250          1,089.82         75
                                       6.000          1,089.82
    TUCSON           AZ   85705          2            10/09/02         00
    1675329                              05           12/01/02          0
    1675329                              N            11/01/32
    0

    8283603          286/286             F          252,800.00         ZZ
                                         360        252,061.08          1
                                       7.625          1,789.31         80
                                       7.375          1,789.31
    FALLS CHURCH     VA   22044          5            08/22/02         00
    1454700                              03           10/01/02          0
    1454700                              N            09/01/32
    0

    8283605          286/286             F           97,600.00         ZZ
                                         360         97,435.53          1
                                       6.875            641.17         80
                                       6.625            641.17
1

    LAWRENCEVILLE    GA   30044          1            10/02/02         00
    1591645                              05           12/01/02          0
    1591645                              N            11/01/32
    0

    8283607          286/286             F           80,250.00         ZZ
                                         360         80,121.26          2
                                       7.125            540.66         75
                                       6.875            540.66
    FARMINGTON       NH   03103          1            10/25/02         00
    1680522                              05           12/01/02          0
    1680522                              N            11/01/32
    0

    8283609          286/286             F          119,500.00         ZZ
                                         360        119,235.64          1
                                       6.250            735.79         80
                                       6.000            735.79
    MARLTON          NJ   08053          1            10/23/02         00
    1306508                              01           12/01/02          0
    1306508                              N            11/01/32
    0

    8283611          286/286             F           52,000.00         ZZ
                                         360         51,912.37          1
                                       6.875            341.61         80
                                       6.625            341.61
    YONKERS          NY   10701          2            10/17/02         00
    1520590                              01           12/01/02          0
    1520590                              N            11/01/32
    0

    8283613          286/286             F           57,600.00         ZZ
                                         360         57,295.02          1
                                       6.500            364.08         80
                                       6.250            364.08
    WOODSTOCK        IL   60098          1            10/14/02         00
    1601807                              01           12/01/02          0
    1601807                              N            11/01/32
    0

    8283615          286/286             F          117,200.00         ZZ
                                         360        116,927.00          2
                                       6.250            721.63         75
                                       6.000            721.63
    BETHLEHEM        PA   18017          2            10/24/02         00
    1685813                              05           12/01/02          0
    1685813                              N            11/01/32
    0
1

    8283625          286/286             F           95,000.00         ZZ
                                         360         94,835.95          2
                                       6.750            616.17         76
                                       6.500            616.17
    TUCSON           AZ   85701          2            10/14/02         00
    1555047                              05           12/01/02          0
    1555047                              N            11/01/32
    0

    8283627          286/286             F          230,900.00         ZZ
                                         360        230,481.39          4
                                       6.500          1,459.45         75
                                       6.250          1,459.45
    SNELLVILLE       GA   30078          1            09/24/02         00
    1621976                              05           11/01/02          0
    1621976                              N            10/01/32
    0

    8283631          286/286             F           20,700.00         ZZ
                                         360         20,669.18          1
                                       7.500            144.74         90
                                       7.250            144.74
    CAMDEN           NJ   08104          1            10/11/02         11
    1552271                              05           12/01/02         30
    1552271                              N            11/01/32
    0

    8283651          286/286             F           56,800.00         ZZ
                                         360         56,664.55          1
                                       6.375            354.36         80
                                       6.125            354.36
    TUCSON           AZ   85710          1            10/21/02         00
    1635826                              01           12/01/02          0
    1635826                              N            11/01/32
    0

    8283657          286/286             F          160,000.00         ZZ
                                         360        159,580.10          4
                                       6.875          1,051.09         80
                                       6.625          1,051.09
    HOLLAND          MI   49423          1            10/17/02         00
    1549390                              05           12/01/02          0
    1549390                              N            11/01/32
    0

    8283659          286/286             F          160,000.00         ZZ
                                         360        159,580.10          4
1

                                       6.875          1,051.09         80
                                       6.625          1,051.09
    HOLLAND          MI   49423          1            10/17/02         00
    1549392                              05           12/01/02          0
    1549392                              N            11/01/32
    0

    8283661          286/286             F          160,000.00         ZZ
                                         360        159,580.10          4
                                       6.875          1,051.09         80
                                       6.625          1,051.09
    HOLLAND          MI   49423          1            10/17/02         00
    1549394                              05           12/01/02          0
    1549394                              N            11/01/32
    0

    8283663          286/286             F           40,200.00         ZZ
                                         360         40,138.61          1
                                       7.375            277.66         80
                                       7.125            277.66
    SPRINGFIELD      IL   62703          1            10/23/02         00
    1665448                              05           12/01/02          0
    1665448                              N            11/01/32
    0

    8283669          286/286             F           51,200.00         ZZ
                                         360         51,083.12          2
                                       7.500            358.00         80
                                       7.250            358.00
    DETROIT          MI   48238          1            10/08/02         00
    1629769                              05           12/01/02          0
    1629769                              N            11/01/32
    0

    8283681          286/286             F          144,000.00         ZZ
                                         360        140,887.46          2
                                       7.125            970.16         90
                                       6.875            970.16
    MILWAUKEE        WI   53208          1            07/30/02         10
    1426577                              05           09/01/02         25
    1426577                              N            08/01/32
    0

    8283689          286/286             F          104,000.00         ZZ
                                         360        103,288.55          1
                                       6.250            640.35         75
                                       6.000            640.35
    MARIETTA         GA   30066          2            10/24/02         00
    1602498                              05           12/01/02          0
1

    1602498                              N            11/01/32
    0

    8283691          286/286             F           65,600.00         ZZ
                                         360         65,489.45          1
                                       6.875            430.95         80
                                       6.625            430.95
    WOODLYNNE        NJ   08107          5            10/08/02         00
    1525029                              05           12/01/02          0
    1525029                              N            11/01/32
    0

    8283695          286/286             F          123,750.00         ZZ
                                         360        123,546.53          1
                                       7.000            823.31         90
                                       6.750            823.31
    PHOENIX          AZ   85044          1            10/21/02         12
    1662980                              03           12/01/02         25
    1662980                              N            11/01/32
    0

    8283699          286/286             F           55,709.00         ZZ
                                         360         55,617.41          1
                                       7.000            370.63         75
                                       6.750            370.63
    HENDERSON        TX   75652          2            10/10/02         00
    1411209                              05           12/01/02          0
    1411209                              N            11/01/32
    0

    8283701          286/286             F          207,500.00         ZZ
                                         360        207,183.23          1
                                       7.375          1,433.16         88
                                       7.125          1,433.16
    WOODBRIDGE       NJ   08872          1            10/25/02         12
    1673223                              05           12/01/02         25
    1673223                              N            11/01/32
    0

    8283715          286/286             F          163,800.00         ZZ
                                         360        163,517.14          1
                                       6.750          1,062.41         90
                                       6.500          1,062.41
    UNIONVILLE       VA   22567          1            10/17/02         11
    1662033                              05           12/01/02         25
    1662033                              N            11/01/32
    0

1

    8283743          286/286             F           67,200.00         ZZ
                                         360         67,085.31          1
                                       7.000            447.09         80
                                       6.750            447.09
    NORRISTOWN       PA   19401          2            10/08/02         00
    1045411                              05           12/01/02          0
    1045411                              N            11/01/32
    0

    8283749          F64/G02             F          372,000.00         ZZ
                                         360        372,000.00          1
                                       6.750          2,412.78         80
                                       6.500          2,412.78
    CHESAPEAKE       VA   23320          2            12/03/02         00
    0435140652                           05           02/01/03          0
    00004286                             O            01/01/33
    0

    8283759          286/286             F          146,160.00         ZZ
                                         360        145,013.34          1
                                       7.000            972.41         90
                                       6.750            972.41
    VIRGINIA BEACH   VA   23464          1            08/29/02         11
    1497637                              03           10/01/02         25
    1497637                              N            09/01/32
    0

    8283769          286/286             F           66,800.00         ZZ
                                         360         66,675.93          2
                                       6.375            416.75         80
                                       6.125            416.75
    CHATTANOOGA      TN   37412          5            10/30/02         00
    1624834                              05           12/01/02          0
    1624834                              N            11/01/32
    0

    8283771          286/286             F          102,300.00         ZZ
                                         360        101,322.25          2
                                       6.500            646.61         80
                                       6.250            646.61
    REDMOND          OR   97756          1            10/08/02         00
    1674357                              05           12/01/02          0
    1674357                              N            11/01/32
    0

    8283773          286/286             F           96,000.00         ZZ
                                         360         95,821.69          1
                                       6.375            598.92         77
                                       6.125            598.92
1

    AUSTELL          GA   30106          5            10/21/02         00
    1471276                              05           12/01/02          0
    1471276                              N            11/01/32
    0

    8283779          286/286             F           56,150.00         ZZ
                                         360         56,044.32          1
                                       6.375            350.31         76
                                       6.125            350.31
    HARRISBURG       PA   17112          2            10/11/02         00
    1594387                              01           12/01/02          0
    1594387                              N            11/01/32
    0

    8283781          286/286             F          116,000.00         ZZ
                                         360        115,799.68          1
                                       6.750            752.38         80
                                       6.500            752.38
    TUCSON           AZ   85746          2            10/08/02         00
    1589044                              05           12/01/02          0
    1589044                              N            11/01/32
    0

    8283783          286/286             F           73,000.00         ZZ
                                         360         72,810.38          3
                                       6.750            473.48         75
                                       6.500            473.48
    TROY             OH   45373          2            10/04/02         00
    1545059                              05           11/01/02          0
    1545059                              N            10/01/32
    0

    8283785          286/286             F           85,000.00         ZZ
                                         360         84,779.21          3
                                       6.750            551.31         75
                                       6.500            551.31
    TROY             OH   45373          2            10/04/02         00
    1545065                              05           11/01/02          0
    1545065                              N            10/01/32
    0

    8283789          286/286             F          280,000.00         ZZ
                                         360        279,516.48          1
                                       6.750          1,816.08         80
                                       6.500          1,816.08
    CHICAGO          IL   60610          1            10/16/02         00
    1652398                              01           12/01/02          0
    1652398                              N            11/01/32
    0
1

    8283795          286/286             F           76,000.00         ZZ
                                         360         75,878.08          1
                                       7.125            512.03         80
                                       6.875            512.03
    EASTON           PA   18042          5            10/03/02         00
    1615312                              05           12/01/02          0
    1615312                              N            11/01/32
    0

    8283797          286/286             F          144,000.00         ZZ
                                         360        143,732.53          1
                                       6.375            898.38         80
                                       6.125            898.38
    HOUSTON          TX   77006          1            10/04/02         00
    1625034                              03           12/01/02          0
    1625034                              N            11/01/32
    0

    8283801          286/286             F           61,650.00         ZZ
                                         360         61,532.70          1
                                       6.250            379.59         90
                                       6.000            379.59
    INDIANAPOLIS     IN   46226          1            10/15/02         11
    1580326                              05           12/01/02         30
    1580326                              N            11/01/32
    0

    8283805          286/286             F          148,500.00         ZZ
                                         360        148,230.77          1
                                       6.500            938.63         90
                                       6.250            938.63
    HENDERSON        NV   89015          1            10/09/02         14
    1018905                              03           12/01/02         25
    1018905                              N            11/01/32
    0

    8283809          286/286             F           64,800.00         ZZ
                                         360         64,696.05          1
                                       7.125            436.57         90
                                       6.875            436.57
    BLOOMINGTON      IL   61701          1            10/11/02         10
    1646320                              05           12/01/02         25
    1646320                              N            11/01/32
    0

    8283813          286/286             F           50,850.00         ZZ
                                         360         50,753.23          1
1

                                       6.250            313.10         90
                                       6.000            313.10
    HUBER HEIGHTS    OH   45424          1            10/18/02         10
    1594468                              05           12/01/02         25
    1594468                              N            11/01/32
    0

    8283815          286/286             F          100,000.00         ZZ
                                         360         99,851.10          1
                                       7.500            699.22         80
                                       7.250            699.22
    TAMPA            FL   33615          5            10/14/02         00
    1590720                              05           12/01/02          0
    1590720                              N            11/01/32
    0

    8283817          286/286             F           93,600.00         ZZ
                                         360         93,362.73          1
                                       6.875            614.89         80
                                       6.625            614.89
    FT LAUDERDALE    FL   33326          5            10/01/02         00
    1568174                              01           11/01/02          0
    1568174                              N            10/01/32
    0

    8283821          286/286             F          132,000.00         ZZ
                                         360        131,754.83          1
                                       6.375            823.51         80
                                       6.125            823.51
    ATLANTA          GA   30305          2            10/11/02         00
    1508865                              01           12/01/02          0
    1508865                              N            11/01/32
    0

    8283823          286/286             F           61,200.00         ZZ
                                         360         61,106.56          1
                                       7.375            422.70         90
                                       7.125            422.70
    ASHLAND          KY   41101          1            10/15/02         10
    1582735                              05           12/01/02         25
    1582735                              N            11/01/32
    0

    8283827          286/286             F          103,500.00         ZZ
                                         360        103,237.62          1
                                       6.875            679.93         90
                                       6.625            679.93
    KITTY HAWK       NC   27949          1            09/27/02         12
    1490188                              05           11/01/02         25
1

    1490188                              N            10/01/32
    0

    8283833          286/286             F          128,800.00         ZZ
                                         360        128,566.49          2
                                       6.500            814.11         80
                                       6.250            814.11
    MPLS             MN   55418          1            10/25/02         00
    1654381                              05           12/01/02          0
    1654381                              N            11/01/32
    0

    8283837          286/286             F           27,920.00         ZZ
                                         360         27,875.22          1
                                       7.125            188.10         80
                                       6.875            188.10
    MIAMI            FL   33179          1            10/18/02         00
    1596226                              01           12/01/02          0
    1596226                              N            11/01/32
    0

    8283839          286/286             F           64,000.00         ZZ
                                         360         63,883.96          1
                                       6.500            404.53         80
                                       6.250            404.53
    HOUSTON          TX   77024          1            10/15/02         00
    1686972                              01           12/01/02          0
    1686972                              N            11/01/32
    0

    8283849          286/286             F          114,400.00         ZZ
                                         360        114,207.23          1
                                       6.875            751.53         80
                                       6.625            751.53
    INDEPENDENCE     KY   41051          2            10/10/02         00
    1558267                              05           12/01/02          0
    1558267                              N            11/01/32
    0

    8283851          286/286             F          112,000.00         ZZ
                                         360        111,811.28          1
                                       6.875            735.76         80
                                       6.625            735.76
    INDEPENDENCE     KY   41051          2            10/10/02         00
    1612257                              05           12/01/02          0
    1612257                              N            11/01/32
    0

1

    8283861          286/286             F           49,600.00         ZZ
                                         360         49,518.45          1
                                       7.000            329.99         80
                                       6.750            329.99
    ORLANDO          FL   32835          1            10/18/02         00
    1661388                              05           12/01/02          0
    1661388                              N            11/01/32
    0

    8283865          286/286             F          162,000.00         ZZ
                                         360        161,733.63          1
                                       7.000          1,077.80         90
                                       6.750          1,077.80
    SILVER SPRING    MD   20902          1            10/21/02         11
    1647787                              05           12/01/02         25
    1647787                              N            11/01/32
    0

    8283867          286/286             F           88,500.00         ZZ
                                         360         88,350.88          1
                                       7.000            588.80         77
                                       6.750            588.80
    INDIANAPOLIS     IN   46240          2            10/09/02         00
    1604794                              05           12/01/02          0
    1604794                              N            11/01/32
    0

    8283871          286/286             F           32,400.00         ZZ
                                         360         32,306.36          1
                                       6.750            210.15         90
                                       6.500            210.15
    BEDFORD          PA   15522          1            10/03/02         10
    1613739                              05           11/01/02         25
    1613739                              N            10/01/32
    0

    8283875          286/286             F           66,050.00         ZZ
                                         360         65,878.43          1
                                       6.750            428.40         95
                                       6.500            428.40
    PANAMA BEACH     FL   32408          1            09/20/02         21
    1596854                              01           11/01/02         30
    1596854                              N            10/01/32
    0

    8283877          286/286             F          163,000.00         ZZ
                                         360        162,691.06          1
                                       6.375          1,016.91         80
                                       6.125          1,016.91
1

    DENVER           CO   80210          5            10/01/02         00
    1606716                              05           12/01/02          0
    1606716                              N            11/01/32
    0

    8283881          286/286             F           96,000.00         ZZ
                                         360         95,819.52          1
                                       6.375            598.92         80
                                       6.125            598.92
    DENVER           CO   80218          2            10/11/02         00
    1609038                              01           12/01/02          0
    1609038                              N            11/01/32
    0

    8283885          286/286             F           78,000.00         ZZ
                                         360         77,844.58          1
                                       6.500            493.02         80
                                       6.250            493.02
    DENVER           CO   80203          1            10/01/02         00
    1611133                              01           12/01/02          0
    1611133                              N            11/01/32
    0

    8283891          286/286             F          170,950.00         ZZ
                                         360        170,505.95          1
                                       6.750          1,108.78         90
                                       6.500          1,108.78
    ROANOKE          VA   24018          1            09/30/02         12
    1417499                              03           11/01/02         25
    1417499                              N            10/01/32
    0

    8283895          286/286             F           81,600.00         ZZ
                                         360         81,481.50          1
                                       7.625            577.56         80
                                       7.375            577.56
    RAHWAY           NJ   07065          1            10/15/02         00
    1610356                              05           12/01/02          0
    1610356                              N            11/01/32
    0

    8283899          286/286             F           96,750.00         ZZ
                                         360         96,527.78          1
                                       7.375            668.23         90
                                       7.125            668.23
    PERRYVILLE       MD   21903          1            10/01/02         10
    1458479                              05           11/01/02         25
    1458479                              N            10/01/32
    0
1

    8283905          286/286             F           96,300.00         ZZ
                                         360         96,141.66          1
                                       7.000            640.69         90
                                       6.750            640.69
    MESA             AZ   85210          1            10/01/02         10
    1521621                              01           12/01/02         25
    1521621                              N            11/01/32
    0

    8283909          286/286             F           92,000.00         ZZ
                                         360         91,766.78          1
                                       6.875            604.38         80
                                       6.625            604.38
    DALLAS           NC   28034          5            10/03/02         00
    1603822                              05           11/01/02          0
    1603822                              N            10/01/32
    0

    8283911          286/286             F           52,500.00         ZZ
                                         360         52,417.83          1
                                       7.250            358.15         75
                                       7.000            358.15
    LOUISVILLE       KY   40212          5            10/08/02         00
    1599248                              05           12/01/02          0
    1599248                              N            11/01/32
    0

    8283917          286/286             F           91,930.00         ZZ
                                         360         91,755.09          1
                                       6.250            566.03         78
                                       6.000            566.03
    SAVANNAH         GA   31410          1            10/11/02         00
    1663526                              05           12/01/02          0
    1663526                              N            11/01/32
    0

    8283919          286/286             F          198,000.00         ZZ
                                         360        197,649.64          2
                                       6.625          1,267.82         75
                                       6.375          1,267.82
    ATLANTA          GA   30318          2            10/18/02         00
    1569220                              05           12/01/02          0
    1569220                              N            11/01/32
    0

    8283931          286/286             F          192,000.00         ZZ
                                         360        191,651.90          2
1

                                       6.500          1,213.58         80
                                       6.250          1,213.58
    CHICAGO          IL   60612          5            10/25/02         00
    1644428                              05           12/01/02          0
    1644428                              N            11/01/32
    0

    8283973          286/286             F           72,000.00         ZZ
                                         360         71,872.59          2
                                       6.625            461.03         80
                                       6.375            461.03
    DELAND           FL   32720          1            10/11/02         00
    1632681                              05           12/01/02          0
    1632681                              N            11/01/32
    0

    8283975          286/286             F           50,400.00         ZZ
                                         360         50,050.87          1
                                       7.125            339.56         90
                                       6.875            339.56
    INDIANAPOLIS     IN   46240          1            10/11/02         10
    1522013                              05           12/01/02         25
    1522013                              N            11/01/32
    0

    8283981          286/286             F           70,000.00         ZZ
                                         360         69,716.38          1
                                       7.125            471.60         80
                                       6.875            471.60
    BEREA            KY   40403          1            07/12/02         00
    1359828                              05           09/01/02          0
    1359828                              N            08/01/32
    0

    8283983          286/286             F          186,000.00         ZZ
                                         360        185,539.92          2
                                       7.000          1,237.47         78
                                       6.750          1,237.47
    CHARLESTON       RI   02813          5            09/30/02         00
    1529667                              05           11/01/02          0
    1529667                              N            10/01/32
    0

    8283985          286/286             F           45,600.00         ZZ
                                         360         45,480.23          1
                                       7.375            314.95         80
                                       7.125            314.95
    JOLIET           IL   60435          1            10/01/02         00
    1574685                              01           12/01/02          0
1

    1574685                              N            11/01/32
    0

    8283987          X64/G02             F          207,460.00         ZZ
                                         360        207,460.00          1
                                       6.875          1,362.86         78
                                       6.625          1,362.86
    SOUTH LYON       MI   48178          1            12/12/02         00
    0435126115                           01           02/01/03          0
    0000003448                           O            01/01/33
    0

    8283991          286/286             F           79,200.00         ZZ
                                         360         79,069.78          1
                                       7.000            526.92         80
                                       6.750            526.92
    LAKE PARK        FL   33403          5            10/23/02         00
    1645461                              03           12/01/02          0
    1645461                              N            11/01/32
    0

    8283993          286/286             F           58,400.00         ZZ
                                         360         58,299.14          1
                                       6.750            378.79         80
                                       6.500            378.79
    CALDWELL         ID   83605          5            10/21/02         00
    1615961                              05           12/01/02          0
    1615961                              N            11/01/32
    0

    8283995          286/286             F          192,000.00         ZZ
                                         360        191,643.40          1
                                       6.375          1,197.83         80
                                       6.125          1,197.83
    LAWRENCEVILLE    GA   30045          5            10/24/02         00
    1612497                              03           12/01/02          0
    1612497                              N            11/01/32
    0

    8283997          286/286             F          148,000.00         ZZ
                                         360        147,725.11          1
                                       6.375            923.33         80
                                       6.125            923.33
    LAWRENCEVILLE    GA   30045          5            10/24/02         00
    1612513                              05           12/01/02          0
    1612513                              N            11/01/32
    0

1

    8283999          286/286             F          107,850.00         ZZ
                                         360        107,672.67          1
                                       7.000            717.53         90
                                       6.750            717.53
    PHOENIX          AZ   85037          1            10/18/02         11
    1663487                              05           12/01/02         25
    1663487                              N            11/01/32
    0

    8284001          286/286             F          476,400.00         ZZ
                                         360        475,162.52          4
                                       6.750          3,089.93         80
                                       6.500          3,089.93
    WASHINGTON       DC   20007          1            10/01/02         00
    1610327                              05           11/01/02          0
    1610327                              N            10/01/32
    0

    8284005          286/286             F           65,700.00         ZZ
                                         360         65,589.28          1
                                       6.875            431.61         90
                                       6.625            431.61
    NORMAL           IL   61761          1            10/01/02         10
    1584695                              05           12/01/02         25
    1584695                              N            11/01/32
    0

    8284007          286/286             F          120,000.00         ZZ
                                         360        119,771.67          1
                                       6.250            738.87         80
                                       6.000            738.87
    MEDFORD          OR   97501          1            10/25/02         00
    1643307                              05           12/01/02          0
    1643307                              N            11/01/32
    0

    8284013          286/286             F           58,500.00         ZZ
                                         360         58,391.33          1
                                       6.375            364.97         77
                                       6.125            364.97
    PAHRUMP          NV   89048          2            10/21/02         00
    1610032                              01           12/01/02          0
    1610032                              N            11/01/32
    0

    8284015          286/286             F           70,000.00         ZZ
                                         360         69,809.12          1
                                       6.500            442.45         77
                                       6.250            442.45
1

    DOUGLASVILLE     GA   30134          2            09/25/02         00
    1475181                              05           11/01/02          0
    1475181                              N            10/01/32
    0

    8284021          286/286             F          310,000.00         ZZ
                                         360        309,437.98          1
                                       6.500          1,959.42         78
                                       6.250          1,959.42
    SHERMAN OAKS     CA   91403          1            10/16/02         00
    1600055                              05           12/01/02          0
    1600055                              N            11/01/32
    0

    8284031          286/286             F          117,000.00         ZZ
                                         360        116,807.62          1
                                       7.000            778.41         78
                                       6.750            778.41
    SAINT PAUL       MN   55104          2            10/28/02         00
    1609384                              05           12/01/02          0
    1609384                              N            11/01/32
    0

    8284033          286/286             F           81,000.00         ZZ
                                         360         80,849.54          1
                                       6.375            505.34         75
                                       6.125            505.34
    ORLANDO          FL   32811          5            10/21/02         00
    1596443                              01           12/01/02          0
    1596443                              N            11/01/32
    0

    8284045          286/286             F           63,200.00         ZZ
                                         360         63,082.61          1
                                       6.375            394.29         80
                                       6.125            394.29
    ANDERSON         IN   46012          5            10/03/02         00
    1563956                              05           12/01/02          0
    1563956                              N            11/01/32
    0

    8284047          286/286             F           62,100.00         ZZ
                                         360         61,992.76          1
                                       6.750            402.78         90
                                       6.500            402.78
    THOROFARE        NJ   08086          1            10/15/02         11
    1627159                              05           12/01/02         25
    1627159                              N            11/01/32
    0
1

    8284063          286/286             F          145,600.00         ZZ
                                         360        145,342.37          1
                                       6.625            932.29         80
                                       6.375            932.29
    ORO VALLEY       AZ   85737          1            10/02/02         00
    1588042                              03           12/01/02          0
    1588042                              N            11/01/32
    0

    8284065          286/286             F          156,000.00         ZZ
                                         360        155,730.60          2
                                       6.750          1,011.82         80
                                       6.500          1,011.82
    TUCSON           AZ   85710          5            10/02/02         00
    1396883                              05           12/01/02          0
    1396883                              N            11/01/32
    0

    8284073          286/286             F           37,800.00         ZZ
                                         360         37,723.88          1
                                       6.875            248.32         90
                                       6.625            248.32
    PLYMOUTH         PA   18651          1            10/14/02         12
    1535572                              05           12/01/02         25
    1535572                              N            11/01/32
    0

    8284075          420/G02             F          280,000.00         ZZ
                                         360        279,740.66          1
                                       6.375          1,746.84         78
                                       6.125          1,746.84
    SANTA ROSA       CA   95403          5            11/22/02         00
    0435094503                           05           01/01/03          0
    72004520                             O            12/01/32
    0

    8284077          286/286             F          136,328.00         ZZ
                                         360        135,877.10          1
                                       7.000            906.99         80
                                       6.750            906.99
    COLORADO SPRING  CO   80922          1            09/03/02         00
    1573473                              03           10/01/02          0
    1573473                              N            09/01/32
    0

    8284081          286/286             F           84,000.00         ZZ
                                         360         83,776.44          1
1

                                       6.625            537.87         80
                                       6.375            537.87
    TUCSON           AZ   85730          1            09/26/02         00
    1611085                              03           11/01/02          0
    1611085                              N            10/01/32
    0

    8284085          286/286             F           36,000.00         ZZ
                                         360         35,880.92          1
                                       7.000            239.51         90
                                       6.750            239.51
    BULLHEAD CITY    AZ   86442          1            08/16/02         04
    1494909                              05           10/01/02         25
    1494909                              N            09/01/32
    0

    8284097          286/286             F           63,900.00         ZZ
                                         360         63,804.86          1
                                       7.500            446.80         90
                                       7.250            446.80
    NORMAL           IL   61761          2            10/09/02         14
    1389164                              03           12/01/02         25
    1389164                              N            11/01/32
    0

    8284099          286/286             F          255,000.00         ZZ
                                         360        254,526.38          1
                                       6.375          1,590.87         75
                                       6.125          1,590.87
    ENGLEWOOD        CO   80111          2            10/22/02         00
    1629402                              05           12/01/02          0
    1629402                              N            11/01/32
    0

    8284101          286/286             F          124,000.00         ZZ
                                         360        123,775.19          1
                                       6.500            783.77         80
                                       6.250            783.77
    ESCONDIDO        CA   92025          1            10/21/02         00
    1628523                              01           12/01/02          0
    1628523                              N            11/01/32
    0

    8284105          286/286             F          234,000.00         ZZ
                                         360        233,375.24          1
                                       6.625          1,498.33         75
                                       6.375          1,498.33
    MONTVILLE        NJ   07045          1            10/01/02         00
    1545221                              01           11/01/02          0
1

    1545221                              N            10/01/32
    0

    8284107          286/286             F           32,000.00         ZZ
                                         360         31,930.06          1
                                       7.625            226.50         80
                                       7.375            226.50
    TOLEDO           OH   43614          1            09/27/02         00
    1449697                              01           11/01/02          0
    1449697                              N            10/01/32
    0

    8284109          286/286             F          256,000.00         ZZ
                                         360        255,805.20          1
                                       7.375          1,768.13         80
                                       7.125          1,768.13
    ROYAL OAK        MI   48073          5            11/06/02         00
    1730344                              05           01/01/03          0
    1730344                              N            12/01/32
    0

    8284115          286/286             F          193,200.00         ZZ
                                         360        192,866.38          1
                                       6.750          1,253.09         80
                                       6.500          1,253.09
    BRENTWOOD        CA   94513          1            10/28/02         00
    1728957                              05           12/01/02          0
    1728957                              N            11/01/32
    0

    8284119          286/286             F           72,000.00         ZZ
                                         360         71,817.48          2
                                       6.875            472.99         80
                                       6.625            472.99
    ONTARIO          OR   97914          1            09/13/02         00
    0001254857                           05           11/01/02          0
    0001254857                           N            10/01/32
    0

    8284121          286/286             F          115,500.00         ZZ
                                         360        115,290.61          1
                                       6.500            730.04         75
                                       6.250            730.04
    STOCKTON         CA   95204          2            11/05/02         00
    1702081                              05           12/01/02          0
    1702081                              N            11/01/32
    0

1

    8284123          286/286             F          220,000.00         ZZ
                                         360        219,591.79          1
                                       6.375          1,373.23         80
                                       6.125          1,373.23
    ALEXANDRIA       VA   22301          1            10/28/02         00
    0001249022                           05           12/01/02          0
    0001249022                           N            11/01/32
    0

    8284135          286/286             F           67,650.00         ZZ
                                         360         67,524.91          1
                                       6.375            422.05         80
                                       6.125            422.05
    BALTIMORE        MD   21286          2            10/24/02         00
    0001249907                           01           12/01/02          0
    0001249907                           N            11/01/32
    0

    8284137          286/286             F           76,000.00         ZZ
                                         360         75,859.48          1
                                       6.375            474.14         78
                                       6.125            474.14
    BALTIMORE        MD   21236          2            10/24/02         00
    0001249911                           01           12/01/02          0
    0001249911                           N            11/01/32
    0

    8284139          286/286             F          204,000.00         ZZ
                                         360        203,630.16          4
                                       6.500          1,289.42         80
                                       6.250          1,289.42
    REDDING          CA   96003          1            10/31/02         00
    1660179                              05           12/01/02          0
    1660179                              N            11/01/32
    0

    8284143          286/286             F          296,000.00         ZZ
                                         360        295,278.05          1
                                       6.250          1,822.53         80
                                       6.000          1,822.53
    DALLAS           TX   75225          1            11/04/02         00
    1680443                              05           01/01/03          0
    1680443                              N            12/01/32
    0

    8284157          286/286             F           66,300.00         ZZ
                                         360         66,177.41          1
                                       6.375            413.63         86
                                       6.125            413.63
1

    SHIPPENSBURG     PA   17257          1            10/30/02         10
    0001249979                           05           12/01/02         25
    0001249979                           N            11/01/32
    0

    8284161          286/286             F          184,000.00         ZZ
                                         360        183,654.22          1
                                       6.375          1,147.93         80
                                       6.125          1,147.93
    SACRAMENTO       CA   95829          1            10/19/02         00
    1257549                              05           12/01/02          0
    1257549                              N            11/01/32
    0

    8284163          286/286             F          145,600.00         ZZ
                                         360        145,468.37          2
                                       6.500            920.30         80
                                       6.250            920.30
    ROCHDALE         MA   01542          5            11/07/02         00
    1428425                              05           01/01/03          0
    1428425                              N            12/01/32
    0

    8284165          286/286             F           97,650.00         ZZ
                                         360         97,481.37          1
                                       6.750            633.36         90
                                       6.500            633.36
    SALEM            OR   97302          1            10/21/02         12
    0001250715                           05           12/01/02         25
    0001250715                           N            11/01/32
    0

    8284169          286/286             F          175,200.00         ZZ
                                         360        175,049.15          1
                                       6.750          1,136.35         80
                                       6.500          1,136.35
    RENO             NV   89523          1            11/14/02         00
    1751572                              05           01/01/03          0
    1751572                              N            12/01/32
    0

    8284173          420/G02             F          216,000.00         ZZ
                                         360        215,809.43          1
                                       6.625          1,383.07         80
                                       6.375          1,383.07
    UKIAH            CA   95482          5            11/26/02         00
    0435109624                           05           01/01/03          0
    72004351                             N            12/01/32
    0
1

    8284175          286/286             F          176,000.00         ZZ
                                         360        175,848.46          1
                                       6.750          1,141.54         80
                                       6.500          1,141.54
    RENO             NV   89523          1            11/14/02         00
    1754492                              05           01/01/03          0
    1754492                              N            12/01/32
    0

    8284183          286/286             F          200,000.00         ZZ
                                         360        199,646.10          1
                                       6.625          1,280.63         80
                                       6.375          1,280.63
    CANTON           MA   02021          1            10/31/02         00
    1698045                              05           12/01/02          0
    1698045                              N            11/01/32
    0

    8284185          286/286             F          207,650.00         ZZ
                                         360        207,308.59          1
                                       7.000          1,381.50         90
                                       6.750          1,381.50
    NEW MARKET       MD   21774          1            10/23/02         21
    0001250957                           03           12/01/02         25
    0001250957                           N            11/01/32
    0

    8284191          286/286             F          111,000.00         ZZ
                                         360        110,808.32          1
                                       6.750            719.95         77
                                       6.500            719.95
    HEMET            CA   92543          5            10/15/02         00
    1649608                              05           12/01/02          0
    1649608                              N            11/01/32
    0

    8284195          286/286             F          299,900.00         ZZ
                                         360        299,641.79          1
                                       6.750          1,945.15         80
                                       6.500          1,945.15
    SAN FRANCISCO    CA   94134          5            11/07/02         00
    1700933                              05           01/01/03          0
    1700933                              N            12/01/32
    0

    8284205          286/286             F          103,500.00         ZZ
                                         360        103,307.75          1
1

                                       6.375            645.71         78
                                       6.125            645.71
    ROUND ROCK       TX   78681          2            10/28/02         00
    1583613                              05           12/01/02          0
    1583613                              N            11/01/32
    0

    8284221          286/286             F          168,920.00         ZZ
                                         360        168,774.56          1
                                       6.750          1,095.62         80
                                       6.500          1,095.62
    LODI             CA   95242          1            11/01/02         00
    1672705                              05           01/01/03          0
    1672705                              N            12/01/32
    0

    8284225          286/286             F          105,000.00         ZZ
                                         360        104,905.08          1
                                       6.500            663.67         75
                                       6.250            663.67
    STERLING         VA   20164          5            11/08/02         00
    0001249166                           01           01/01/03          0
    0001249166                           N            12/01/32
    0

    8284237          588/G02             F          111,200.00         ZZ
                                         360        111,012.63          1
                                       6.875            730.50         80
                                       6.625            730.50
    WINCHESTER       VA   22602          1            10/24/02         00
    0435197942                           05           12/01/02          0
    00010736634                          O            11/01/32
    0

    8284243          286/286             F          126,480.00         ZZ
                                         360        126,261.59          1
                                       6.750            820.35         82
                                       6.500            820.35
    TEMPE            AZ   85281          2            10/18/02         14
    1610564                              05           12/01/02         30
    1610564                              N            11/01/32
    0

    8284247          286/286             F          262,000.00         ZZ
                                         360        261,768.84          1
                                       6.625          1,677.62         75
                                       6.375          1,677.62
    SANTA ROSA       CA   95407          5            11/22/02         00
    1698836                              05           01/01/03          0
1

    1698836                              N            12/01/32
    0

    8284249          N74/G02             F          123,750.00         ZZ
                                         360        123,653.47          1
                                       7.250            844.19         75
                                       7.000            844.19
    HIGH POINT       NC   27262          5            11/26/02         00
    0435123963                           05           01/02/03          0
    3300008894                           O            12/02/32
    0

    8284301          286/286             F          115,875.00         ZZ
                                         360        115,684.48          1
                                       7.000            770.92         90
                                       6.750            770.92
    DUMFRIES         VA   22026          1            10/24/02         14
    1734072                              03           12/01/02         25
    1734072                              N            11/01/32
    0

    8284303          286/286             F          143,600.00         ZZ
                                         360        143,470.18          1
                                       6.500            907.65         80
                                       6.250            907.65
    SPARKS           NV   89434          1            11/14/02         00
    1762865                              03           01/01/03          0
    1762865                              N            12/01/32
    0

    8284311          286/286             F          148,000.00         ZZ
                                         360        147,869.41          1
                                       6.625            947.67         80
                                       6.375            947.67
    LYNNWOOD         WA   98037          5            11/06/02         00
    1667984                              05           01/01/03          0
    1667984                              N            12/01/32
    0

    8284313          286/286             F           68,400.00         ZZ
                                         360         68,292.96          1
                                       7.250            466.61         90
                                       7.000            466.61
    WALKERSVILLE     MD   21793          1            10/15/02         12
    0000811502                           03           12/01/02         25
    0000811502                           N            11/01/32
    0

1

    8284315          286/286             F          270,000.00         ZZ
                                         360        269,566.87          1
                                       7.125          1,819.05         75
                                       6.875          1,819.05
    RICHMOND         CA   94804          5            10/25/02         00
    1660632                              05           12/01/02          0
    1660632                              N            11/01/32
    0

    8284317          286/286             F          270,000.00         ZZ
                                         360        269,566.87          1
                                       7.125          1,819.05         75
                                       6.875          1,819.05
    RICHMOND         CA   94804          5            10/25/02         00
    1660704                              05           12/01/02          0
    1660704                              N            11/01/32
    0

    8284321          286/286             F           57,100.00         ZZ
                                         360         56,998.96          1
                                       6.625            365.62         90
                                       6.375            365.62
    MONTAGUE         CA   96064          1            10/28/02         10
    1251543                              05           12/01/02         25
    1251543                              N            11/01/32
    0

    8284327          286/286             F          181,950.00         ZZ
                                         360        181,583.57          1
                                       6.250          1,120.30         90
                                       6.000          1,120.30
    DAYTON           NV   89403          1            10/23/02         10
    1592760                              03           12/01/02         25
    1592760                              N            11/01/32
    0

    8284329          286/286             F          299,000.00         ZZ
                                         360        298,760.89          1
                                       7.125          2,014.42         75
                                       6.875          2,014.42
    ALBANY           CA   94706          1            11/01/02         00
    1720358                              05           01/01/03          0
    1720358                              N            12/01/32
    0

    8284335          286/286             F          178,800.00         ZZ
                                         360        178,660.51          3
                                       7.250          1,219.74         80
                                       7.000          1,219.74
1

    NEW BEDFORD      MA   02745          1            11/22/02         00
    1695017                              05           01/01/03          0
    1695017                              N            12/01/32
    0

    8284341          286/286             F          153,600.00         ZZ
                                         360        153,341.16          1
                                       6.875          1,009.05         80
                                       6.625          1,009.05
    FLAGSTAFF        AZ   86001          1            10/28/02         00
    1655062                              05           12/01/02          0
    1655062                              N            11/01/32
    0

    8284351          286/286             F           87,000.00         ZZ
                                         360         86,921.35          1
                                       6.500            549.90         80
                                       6.250            549.90
    SACRAMENTO       CA   95831          5            11/18/02         00
    1763808                              05           01/01/03          0
    1763808                              N            12/01/32
    0

    8284359          286/286             F           67,200.00         ZZ
                                         360         67,016.20          1
                                       7.125            452.74         80
                                       6.875            452.74
    YUBA CITY        CA   95991          5            10/24/02         00
    1686952                              05           12/01/02          0
    1686952                              N            11/01/32
    0

    8284363          286/286             F          108,000.00         ZZ
                                         360        107,835.13          1
                                       7.375            745.93         80
                                       7.125            745.93
    PALM DESERT      CA   92260          1            10/22/02         00
    1706956                              03           12/01/02          0
    1706956                              N            11/01/32
    0

    8284365          286/286             F           72,000.00         ZZ
                                         360         71,887.16          1
                                       7.250            491.17         80
                                       7.000            491.17
    SACRAMENTO       CA   95815          5            10/24/02         00
    1669836                              05           12/01/02          0
    1669836                              N            11/01/32
    0
1

    8284383          286/286             F           99,000.00         ZZ
                                         360         98,914.76          1
                                       6.750            642.12         90
                                       6.500            642.12
    FERNLEY          NV   89408          1            11/12/02         21
    1672845                              05           01/01/03         25
    1672845                              N            12/01/32
    0

    8284391          286/286             F          128,350.00         ZZ
                                         360        128,231.12          2
                                       6.375            800.74         76
                                       6.125            800.74
    TACOMA           WA   98406          2            11/19/02         00
    1642732                              05           01/01/03          0
    1642732                              N            12/01/32
    0

    8284395          286/286             F          112,000.00         ZZ
                                         360        111,820.35          1
                                       7.125            754.56         80
                                       6.875            754.56
    CHESAPEAKE       VA   23322          2            10/31/02         00
    0001249222                           05           12/01/02          0
    0001249222                           N            11/01/32
    0

    8284397          286/286             F           70,400.00         ZZ
                                         360         70,272.36          1
                                       6.500            444.98         75
                                       6.250            444.98
    CARSON CITY      NV   89702          5            10/31/02         00
    1662382                              05           12/01/02          0
    1662382                              N            11/01/32
    0

    8284401          N74/G02             F          149,150.00         ZZ
                                         360        149,015.17          1
                                       6.500            942.73         95
                                       6.250            942.73
    MIDLOTHIAN       VA   23112          2            11/26/02         10
    0435120373                           05           01/02/03         30
    0031214010                           O            12/02/32
    0

    8284403          286/286             F          120,000.00         ZZ
                                         360        119,863.61          1
1

                                       7.125            808.47         75
                                       6.875            808.47
    HENDERSON        NV   89104          5            10/31/02         00
    1663304                              03           01/01/03          0
    1663304                              N            12/01/32
    0

    8284407          286/286             F           78,400.00         ZZ
                                         360         78,254.39          1
                                       6.375            489.11         80
                                       6.125            489.11
    FREDERICKSBURG   VA   22407          1            10/25/02         00
    0001251464                           03           12/01/02          0
    0001251464                           N            11/01/32
    0

    8284417          286/286             F           75,000.00         ZZ
                                         360         74,914.49          2
                                       6.500            474.06         77
                                       6.250            474.06
    PORT DEPOSIT     MD   21904          2            11/12/02         00
    1733584                              05           01/01/03          0
    1733584                              N            12/01/32
    0

    8284421          286/286             F          228,000.00         ZZ
                                         360        227,798.84          1
                                       6.625          1,459.91         80
                                       6.375          1,459.91
    SANTA MARIA      CA   93458          1            11/07/02         00
    1718557                              05           01/01/03          0
    1718557                              N            12/01/32
    0

    8284427          286/286             F           96,000.00         ZZ
                                         360         95,917.34          1
                                       6.750            622.66         80
                                       6.500            622.66
    AUSTIN           TX   78702          5            11/09/02         00
    1691725                              05           01/01/03          0
    1691725                              N            12/01/32
    0

    8284431          286/286             F          178,000.00         ZZ
                                         360        177,785.97          1
                                       6.625          1,139.76         79
                                       6.375          1,139.76
    DURANGO          CO   81301          2            11/08/02         00
    1555622                              03           01/01/03          0
1

    1555622                              N            12/01/32
    0

    8284433          286/286             F          124,800.00         ZZ
                                         360        124,568.21          1
                                       6.375            778.59         80
                                       6.125            778.59
    RENO             NV   89506          5            10/24/02         00
    1588843                              03           12/01/02          0
    1588843                              N            11/01/32
    0

    8284437          286/286             F          124,800.00         ZZ
                                         360        124,567.89          1
                                       6.375            778.59         80
                                       6.125            778.59
    RENO             NV   89506          5            10/25/02         00
    1588899                              03           12/01/02          0
    1588899                              N            11/01/32
    0

    8284439          286/286             F          110,400.00         ZZ
                                         360        110,194.94          1
                                       6.375            688.76         80
                                       6.125            688.76
    RENO             NV   89506          2            10/24/02         00
    1588904                              05           12/01/02          0
    1588904                              N            11/01/32
    0

    8284457          286/286             F          166,500.00         ZZ
                                         360        166,183.21          1
                                       6.250          1,025.17         90
                                       6.000          1,025.17
    PROVIDENCE       RI   02906          1            10/18/02         14
    1604035                              01           12/01/02         25
    1604035                              N            11/01/32
    0

    8284467          286/286             F           92,000.00         ZZ
                                         360         91,228.38          1
                                       6.250            566.46         80
                                       6.000            566.46
    RENO             NV   89502          2            11/19/02         00
    1681790                              05           01/01/03          0
    1681790                              N            12/01/32
    0

1

    8284475          286/286             F          140,000.00         ZZ
                                         360        139,879.46          2
                                       6.750            908.04         80
                                       6.500            908.04
    BROWNSBURG       IN   46112          2            11/13/02         00
    1757024                              05           01/01/03          0
    1757024                              N            12/01/32
    0

    8284479          286/286             F           95,040.00         ZZ
                                         360         94,879.84          1
                                       6.875            624.35         90
                                       6.625            624.35
    CROFTON          MD   21114          1            11/01/02         04
    1724838                              01           12/01/02         25
    1724838                              N            11/01/32
    0

    8284505          286/286             F          220,000.00         ZZ
                                         360        219,629.28          1
                                       6.875          1,445.25         80
                                       6.625          1,445.25
    SEATTLE          WA   98105          5            10/30/02         00
    1650484                              05           12/01/02          0
    1650484                              N            11/01/32
    0

    8284519          286/286             F          161,250.00         ZZ
                                         360        160,957.67          1
                                       6.500          1,019.21         75
                                       6.250          1,019.21
    MOUNT SHASTA     CA   96067          1            10/22/02         00
    1622428                              05           12/01/02          0
    1622428                              N            11/01/32
    0

    8284521          286/286             F          170,000.00         ZZ
                                         360        169,857.18          1
                                       6.875          1,116.78         80
                                       6.625          1,116.78
    ROCKLIN          CA   95677          1            11/12/02         00
    1748727                              05           01/01/03          0
    1748727                              N            12/01/32
    0

    8284523          286/286             F           89,600.00         ZZ
                                         360         89,530.10          1
                                       7.250            611.23         80
                                       7.000            611.23
1

    REDDING          CA   96002          1            11/15/02         00
    1720073                              05           01/01/03          0
    1720073                              N            12/01/32
    0

    8284527          286/286             F           42,000.00         ZZ
                                         360         41,939.00          1
                                       7.625            297.28         75
                                       7.375            297.28
    ANDERSON         IN   46016          5            10/25/02         00
    1680141                              05           12/01/02          0
    1680141                              N            11/01/32
    0

    8284529          286/286             F           45,000.00         ZZ
                                         360         44,934.65          1
                                       7.625            318.51         75
                                       7.375            318.51
    ANDERSON         IN   46016          5            10/25/02         00
    1680158                              05           12/01/02          0
    1680158                              N            11/01/32
    0

    8284533          286/286             F          132,000.00         ZZ
                                         360        131,883.53          1
                                       6.625            845.22         75
                                       6.375            845.22
    MANKATO          MN   56001          2            11/20/02         00
    1802677                              05           01/01/03          0
    1802677                              N            12/01/32
    0

    8284663          286/286             F          115,000.00         ZZ
                                         360        114,781.21          2
                                       6.250            708.07         75
                                       6.000            708.07
    BOISE            ID   83703          2            10/25/02         00
    0001251510                           05           12/01/02          0
    0001251510                           N            11/01/32
    0

    8284667          286/286             F           65,450.00         ZZ
                                         360         65,336.98          1
                                       6.750            424.51         90
                                       6.500            424.51
    FREDERICKSBURG   VA   22407          1            10/31/02         11
    0001249619                           03           12/01/02         25
    0001249619                           N            11/01/32
    0
1

    8284669          286/286             F          124,100.00         ZZ
                                         360        123,895.94          1
                                       7.000            825.65         78
                                       6.750            825.65
    TEMPE            AZ   85282          2            10/25/02         00
    1633775                              03           12/01/02          0
    1633775                              N            11/01/32
    0

    8284863          M24/G02             F          380,000.00         ZZ
                                         360        379,664.74          1
                                       6.625          2,433.18         79
                                       6.375          2,433.18
    LA HABRA HEIGHT  CA   90631          5            11/20/02         00
    0435118484                           05           01/01/03          0
    288106924                            O            12/01/32
    0

    8285087          P44/G02             F          189,300.00         ZZ
                                         360        189,300.00          1
                                       7.500          1,323.61         66
                                       7.250          1,323.61
    HYANNIS          MA   02601          5            12/11/02         00
    0435115639                           01           02/01/03          0
    002                                  N            01/01/33
    0

    8285183          N74/G02             F           86,400.00         ZZ
                                         360         86,318.02          1
                                       6.250            531.98         80
                                       6.000            531.98
    CHARLESTON       SC   29406          5            11/26/02         00
    0435135421                           05           01/02/03          0
    0031228011                           O            12/02/32
    0

    8285253          738/G02             F          284,000.00         ZZ
                                         360        283,755.48          1
                                       6.750          1,842.02         71
                                       6.500          1,842.02
    PORTSMOUTH       VA   23703          5            11/26/02         00
    0435067145                           05           01/01/03          0
    40702508                             O            12/01/32
    0

    8285293          420/G02             F          240,000.00         ZZ
                                         360        239,788.25          1
1

                                       6.625          1,536.75         80
                                       6.375          1,536.75
    UKIAH            CA   95482          5            11/26/02         00
    0435094297                           05           01/01/03          0
    72004350                             N            12/01/32
    0

    8285337          E82/G02             F           88,800.00         ZZ
                                         360         88,800.00          1
                                       6.750            575.96         80
                                       6.500            575.96
    RICHMOND HILL    NY   11419          2            12/11/02         00
    0400739074                           05           02/01/03          0
    1636232                              O            01/01/33
    0

    8285339          E82/G02             F          123,800.00         ZZ
                                         360        123,800.00          3
                                       7.000            823.64         62
                                       6.750            823.64
    PORTLAND         ME   04103          2            12/12/02         00
    0400717625                           05           02/01/03          0
    3106116                              N            01/01/33
    0

    8285349          E82/G02             F          135,850.00         ZZ
                                         360        135,850.00          1
                                       6.375            847.53         70
                                       6.125            847.53
    CALISTOGA        CA   94515          2            12/10/02         00
    0400743407                           05           02/01/03          0
    2777865                              O            01/01/33
    0

    8285423          N47/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.750          1,945.79         75
                                       6.500          1,945.79
    SAN MARCOS       CA   92069          1            12/03/02         00
    0435135082                           05           02/01/03          0
    30500559                             O            01/01/33
    0

    8285587          950/G02             F          384,000.00         ZZ
                                         360        383,677.39          1
                                       6.875          2,522.61         80
                                       6.625          2,522.61
    SEATTLE          WA   98116          5            11/05/02         00
    0435119920                           05           01/01/03          0
1

    N6210011                             O            12/01/32
    0

    8285605          E22/G02             F          125,000.00         ZZ
                                         360        125,000.00          1
                                       6.875            821.16         79
                                       6.625            821.16
    COLORADO SPRING  CO   80904          5            12/09/02         00
    0415521442                           05           02/01/03          0
    0415521442                           O            01/01/33
    0

    8285617          L16/G02             F          126,000.00         ZZ
                                         360        125,894.15          4
                                       6.875            827.73         90
                                       6.625            827.73
    BAKERSFIELD      CA   93301          1            11/21/02         04
    0435108717                           05           01/01/03         25
    8228                                 N            12/01/32
    0

    8285621          E22/G02             F          171,785.00         ZZ
                                         360        171,785.00          1
                                       6.500          1,085.80         85
                                       6.250          1,085.80
    OKLAHOMA CITY    OK   73162          5            12/09/02         04
    0415540764                           05           02/01/03         12
    0415540764                           O            01/01/33
    0

    8285633          E22/G02             F          110,000.00         ZZ
                                         360        110,000.00          1
                                       6.375            686.26         45
                                       6.125            686.26
    DURANGO          CO   81301          2            12/09/02         00
    0415552876                           05           02/01/03          0
    0415552876                           O            01/01/33
    0

    8285657          E22/G02             F          450,000.00         ZZ
                                         360        450,000.00          1
                                       6.250          2,770.73         73
                                       6.000          2,770.73
    REDWOOD CITY     CA   94068          2            12/02/02         00
    0415567833                           05           02/01/03          0
    0415567833                           O            01/01/33
    0

1

    8285695          E22/G02             F          181,600.00         ZZ
                                         360        181,600.00          1
                                       7.000          1,208.19         80
                                       6.750          1,208.19
    CASTLE ROCK      CO   80104          1            12/13/02         00
    0415591494                           05           02/01/03          0
    0415591494                           N            01/01/33
    0

    8285713          E22/G02             F          148,000.00         T
                                         360        148,000.00          1
                                       6.625            947.66         80
                                       6.375            947.66
    PALM DESERT      CA   92211          1            12/08/02         00
    0415608827                           05           02/01/03          0
    0415608827                           O            01/01/33
    0

    8285715          E22/G02             F          250,000.00         ZZ
                                         360        250,000.00          1
                                       6.000          1,498.88         74
                                       5.750          1,498.88
    SPRINGFIELD      VA   22150          1            12/12/02         00
    0415614957                           05           02/01/03          0
    0415614957                           O            01/01/33
    0

    8285735          E22/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.375          1,871.61         73
                                       6.125          1,871.61
    CERRITOS         CA   90703          5            12/06/02         00
    0415661388                           05           02/01/03          0
    0415661388                           O            01/01/33
    0

    8285789          E82/G02             F          143,200.00         ZZ
                                         360        143,200.00          1
                                       6.375            893.38         80
                                       6.125            893.38
    OMAK             WA   98841          2            12/06/02         00
    0400739694                           05           02/01/03          0
    3776080                              O            01/01/33
    0

    8285795          E22/G02             F          413,500.00         ZZ
                                         360        413,500.00          1
                                       6.500          2,613.60         75
                                       6.250          2,613.60
1

    SOUTH SAN FRANC  CA   94080          5            12/05/02         00
    0415418052                           05           02/01/03          0
    0415418052                           O            01/01/33
    0

    8285805          E22/G02             F          307,000.00         ZZ
                                         360        307,000.00          1
                                       6.250          1,890.25         80
                                       6.000          1,890.25
    BEND             OR   97702          5            11/27/02         00
    0415419001                           03           02/01/03          0
    0415419001                           O            01/01/33
    0

    8285823          E22/G02             F           71,600.00         ZZ
                                         360         71,600.00          1
                                       7.375            494.52         80
                                       7.125            494.52
    PORT SAINT LUCI  FL   34983          1            12/13/02         00
    0415427566                           05           02/01/03          0
    0415427566                           N            01/01/33
    0

    8285831          E22/G02             F          105,500.00         ZZ
                                         360        105,500.00          1
                                       6.750            684.27         78
                                       6.500            684.27
    PUEBLO WEST      CO   81007          5            12/09/02         00
    0415428796                           05           02/01/03          0
    0415428796                           O            01/01/33
    0

    8285833          E22/G02             F          572,680.00         ZZ
                                         360        572,680.00          1
                                       6.250          3,526.09         75
                                       6.000          3,526.09
    THOUSAND OAKS    CA   91362          1            12/06/02         00
    0415429364                           03           02/01/03          0
    0415429364                           O            01/01/33
    0

    8285849          E22/G02             F          270,000.00         ZZ
                                         360        270,000.00          1
                                       6.250          1,662.44         75
                                       6.000          1,662.44
    CASTROVILLE      CA   95012          5            12/05/02         00
    0415437524                           05           02/01/03          0
    0415437524                           O            01/01/33
    0
1

    8285853          E22/G02             F          152,000.00         ZZ
                                         360        152,000.00          1
                                       6.375            948.28         80
                                       6.125            948.28
    FRISCO           TX   75035          5            12/09/02         00
    0415439256                           03           02/01/03          0
    0415439256                           O            01/01/33
    0

    8285857          E22/G02             F           19,000.00         ZZ
                                         360         19,000.00          1
                                       6.625            121.66        100
                                       6.375            121.66
    POTOSI           MO   63664          1            12/13/02         04
    0415439439                           05           02/01/03         35
    0415439439                           O            01/01/33
    0

    8285883          E22/G02             F           71,250.00         ZZ
                                         240         71,250.00          1
                                       6.750            541.76         95
                                       6.500            541.76
    VERNON           AL   35592          5            12/09/02         10
    0415461003                           05           02/01/03         30
    0415461003                           O            01/01/23
    0

    8285899          E82/G02             F          230,000.00         ZZ
                                         360        230,000.00          1
                                       6.500          1,453.76         76
                                       6.250          1,453.76
    CHINO HILLS      CA   91709          2            12/03/02         00
    0400738217                           05           02/01/03          0
    0400738217                           O            01/01/33
    0

    8285909          E22/G02             F          207,200.00         ZZ
                                         360        207,200.00          1
                                       6.375          1,292.66         80
                                       6.125          1,292.66
    HIALEAH          FL   33012          1            12/13/02         00
    0415471127                           05           02/01/03          0
    0415471127                           O            01/01/33
    0

    8285951          E22/G02             F          200,000.00         ZZ
                                         360        200,000.00          2
1

                                       6.625          1,280.62         80
                                       6.375          1,280.62
    SALT LAKE CITY   UT   84109          1            12/10/02         00
    0415507664                           05           02/01/03          0
    0415507664                           O            01/01/33
    0

    8285971          E22/G02             F          312,000.00         ZZ
                                         360        312,000.00          1
                                       6.375          1,946.47         74
                                       6.125          1,946.47
    LINCOLN          CA   95648          2            12/04/02         00
    0415184308                           05           02/01/03          0
    0415184308                           O            01/01/33
    0

    8285983          E22/G02             F          380,000.00         ZZ
                                         360        380,000.00          1
                                       6.500          2,401.86         80
                                       6.250          2,401.86
    CARMICHAEL       CA   95608          5            12/09/02         00
    0415311778                           05           02/01/03          0
    0415311778                           O            01/01/33
    0

    8285995          E22/G02             F           70,500.00         ZZ
                                         360         70,500.00          1
                                       6.375            439.83         53
                                       6.125            439.83
    NOVI             MI   48375          2            12/09/02         00
    0415345289                           01           02/01/03          0
    0415345289                           O            01/01/33
    0

    8286001          E22/G02             F          156,000.00         ZZ
                                         360        156,000.00          1
                                       6.625            998.89         80
                                       6.375            998.89
    SAN ANTONIO      TX   78209          5            12/03/02         00
    0415354737                           05           02/01/03          0
    0415354737                           O            01/01/33
    0

    8286003          E22/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
                                       6.875            709.48         80
                                       6.625            709.48
    PLANO            TX   75075          5            12/09/02         00
    0415359835                           05           02/01/03          0
1

    0415359835                           O            01/01/33
    0

    8286005          E22/G02             F          270,400.00         ZZ
                                         360        270,400.00          3
                                       6.750          1,753.81         80
                                       6.500          1,753.81
    TAUNTON          MA   02780          5            12/09/02         00
    0415364967                           05           02/01/03          0
    0415364967                           O            01/01/33
    0

    8286023          E22/G02             F          132,000.00         ZZ
                                         360        132,000.00          2
                                       6.750            856.15         80
                                       6.500            856.15
    HEMET            CA   92543          1            12/09/02         00
    0415402064                           05           02/01/03          0
    0415402064                           N            01/01/33
    0

    8286069          420/G02             F          268,000.00         ZZ
                                         360        267,757.73          1
                                       6.500          1,693.94         80
                                       6.250          1,693.94
    ANTIOCH          CA   94531          1            11/25/02         00
    0435073481                           05           01/01/03          0
    72004057                             O            12/01/32
    0

    8286215          940/G02             F          185,000.00         ZZ
                                         360        185,000.00          1
                                       6.000          1,109.17         76
                                       5.750          1,109.17
    RANCHO CUCAMONG  CA   91701          5            12/03/02         00
    0435121181                           05           02/01/03          0
    40021148                             O            01/01/33
    0

    8286387          X81/G02             F           58,000.00         ZZ
                                         360         58,000.00          1
                                       7.250            395.66         80
                                       7.000            395.66
    DASSEL           MN   55325          1            12/12/02         00
    0435089867                           05           02/01/03          0
    952784                               N            01/01/33
    0

1

    8286393          H81/G02             F          128,000.00         ZZ
                                         360        127,875.59          1
                                       6.125            777.74         80
                                       5.875            777.74
    MENOMONEE FALLS  WI   53051          1            12/04/02         00
    0435123575                           05           01/01/03          0
    WH17408                              O            12/01/32
    0

    8286553          E47/G02             F          254,000.00         ZZ
                                         360        253,759.00          1
                                       6.250          1,563.92         75
                                       6.000          1,563.92
    MARTINEZ         CA   94553          5            11/21/02         00
    0435121959                           05           01/01/03          0
    7359520691                           O            12/01/32
    0

    8286973          E47/G02             F          104,800.00         ZZ
                                         360        104,700.56          1
                                       6.250            645.27         80
                                       6.000            645.27
    WINTON           CA   95388          5            11/22/02         00
    0435157680                           05           01/01/03          0
    7359512689                           O            12/01/32
    0

    8287133          U28/G02             F          204,000.00         ZZ
                                         360        203,844.77          1
                                       7.375          1,408.98         80
                                       7.125          1,408.98
    ATLANTA          GA   30317          2            12/09/02         00
    0435063151                           05           01/01/03          0
    2000005006                           N            12/01/32
    0

    8287145          S11/G02             F          648,000.00         ZZ
                                         360        648,000.00          4
                                       6.875          4,256.90         80
                                       6.625          4,256.90
    SUNNYVALE        CA   94087          2            12/11/02         00
    0435125018                           05           02/01/03          0
    10209389                             O            01/01/33
    0

    8287291          A46/G02             F           84,000.00         ZZ
                                         360         83,925.88          1
                                       6.625            537.87         74
                                       6.375            537.87
1

    SAN ANTONIO      TX   78247          1            11/21/02         00
    0435062815                           03           01/01/03          0
    0319796                              N            12/01/32
    0

    8287427          286/286             F          495,000.00         ZZ
                                         360        494,080.62          1
                                       6.375          3,088.16         80
                                       6.125          3,088.16
    NEEDHAM          MA   02492          2            10/10/02         00
    1607516                              05           12/01/02          0
    1607516                              O            11/01/32
    0

    8287433          286/286             F          400,000.00         ZZ
                                         360        399,238.95          1
                                       6.250          2,462.87         49
                                       6.000          2,462.87
    DARIEN           CT   06820          5            10/09/02         00
    1573439                              05           12/01/02          0
    1573439                              O            11/01/32
    0

    8287439          286/286             F          153,000.00         ZZ
                                         360        152,630.76          4
                                       7.125          1,030.79         85
                                       6.875          1,030.79
    PONTIAC          MI   48314          1            09/06/02         11
    1544645                              05           11/01/02         20
    1544645                              N            10/01/32
    0

    8287457          286/286             F          110,250.00         ZZ
                                         360        110,085.83          3
                                       7.500            770.89         90
                                       7.250            770.89
    INDIANAPOLIS     IN   46224          1            10/08/02         21
    1622932                              05           12/01/02         25
    1622932                              N            11/01/32
    0

    8287461          286/286             F          328,000.00         ZZ
                                         360        327,375.92          1
                                       6.250          2,019.56         80
                                       6.000          2,019.56
    DEERFIELD        IL   60015          5            10/15/02         00
    1588181                              05           12/01/02          0
    1588181                              O            11/01/32
    0
1

    8287465          286/286             F          132,000.00         ZZ
                                         360        131,793.42          1
                                       7.250            900.48         80
                                       7.000            900.48
    BEAVERCREEK      OH   45434          5            10/25/02         00
    1521670                              05           12/01/02          0
    1521670                              N            11/01/32
    0

    8287469          286/286             F          416,000.00         ZZ
                                         360        415,207.28          1
                                       6.250          2,561.39         51
                                       6.000          2,561.39
    GREENBRAE        CA   94132          2            10/04/02         00
    1563537                              05           12/01/02          0
    1563537                              O            11/01/32
    0

    8287473          286/286             F          251,750.00         ZZ
                                         360        251,336.08          3
                                       7.000          1,674.90         95
                                       6.750          1,674.90
    BROCKTON         MA   02301          5            10/10/02         12
    1482857                              05           12/01/02         30
    1482857                              O            11/01/32
    0

    8287477          286/286             F          420,000.00         ZZ
                                         360        419,219.91          1
                                       6.375          2,620.26         77
                                       6.125          2,620.26
    BOWLING GREEN    KY   42103          2            10/17/02         00
    1564595                              05           12/01/02          0
    1564595                              O            11/01/32
    0

    8287481          286/286             F          297,500.00         ZZ
                                         360        296,998.69          4
                                       6.875          1,954.37         85
                                       6.625          1,954.37
    NASHUA           NH   03060          1            10/24/02         11
    1589656                              05           12/01/02         20
    1589656                              N            11/01/32
    0

    8287485          286/286             F          400,000.00         ZZ
                                         360        399,257.07          1
1

                                       6.375          2,495.48         71
                                       6.125          2,495.48
    SPRINGFIELD      NJ   07081          1            10/17/02         00
    1073879                              05           12/01/02          0
    1073879                              O            11/01/32
    0

    8287489          286/286             F          224,000.00         ZZ
                                         360        223,649.45          1
                                       7.250          1,528.08         80
                                       7.000          1,528.08
    ROCHESTER HILLS  MI   48306          5            10/25/02         00
    1666683                              05           12/01/02          0
    1666683                              N            11/01/32
    0

    8287505          286/286             F          132,300.00         ZZ
                                         360        132,092.96          3
                                       7.250            902.52         90
                                       7.000            902.52
    MONROE           MI   48161          1            10/30/02         14
    1673858                              05           12/01/02         25
    1673858                              N            11/01/32
    0

    8287507          286/286             F          393,000.00         ZZ
                                         360        391,979.16          1
                                       6.750          2,549.00         55
                                       6.500          2,549.00
    MINNEAPOLIS      MN   55416          2            09/18/02         00
    1542587                              05           11/01/02          0
    1542587                              O            10/01/32
    0

    8287509          286/286             F           57,200.00         ZZ
                                         360         57,101.22          1
                                       6.750            371.00         80
                                       6.500            371.00
    HAMPTON          VA   23664          5            10/17/02         00
    1570614                              05           12/01/02          0
    1570614                              N            11/01/32
    0

    8287511          286/286             F           60,000.00         ZZ
                                         360         59,896.39          1
                                       6.750            389.16         80
                                       6.500            389.16
    HAMPTON          VA   23664          5            10/17/02         00
    1570617                              05           12/01/02          0
1

    1570617                              N            11/01/32
    0

    8287513          286/286             F          380,000.00         ZZ
                                         360        379,277.00          1
                                       6.250          2,339.73         59
                                       6.000          2,339.73
    SAN LEANDRO      CA   94579          2            10/01/02         00
    1575729                              05           12/01/02          0
    1575729                              O            11/01/32
    0

    8287517          286/286             F          602,250.00         ZZ
                                         360        601,104.14          1
                                       6.250          3,708.16         80
                                       6.000          3,708.16
    STAMFORD         CT   06903          2            10/15/02         00
    1611969                              05           12/01/02          0
    1611969                              O            11/01/32
    0

    8287519          286/286             F          113,400.00         ZZ
                                         360        113,231.15          3
                                       7.500            792.91         90
                                       7.250            792.91
    ST ALBANS        VT   05478          1            10/31/02         12
    1417966                              05           12/01/02         25
    1417966                              N            11/01/32
    0

    8287521          286/286             F           99,000.00         ZZ
                                         360         98,816.11          1
                                       6.375            617.64         90
                                       6.125            617.64
    RESTON           VA   20190          1            10/18/02         11
    1605576                              01           12/01/02         25
    1605576                              O            11/01/32
    0

    8287523          286/286             F           73,000.00         ZZ
                                         360         72,712.76          1
                                       7.375            504.20         77
                                       7.125            504.20
    RIO RANCHO       NM   87124          2            07/19/02         00
    1436189                              05           09/01/02          0
    1436189                              N            08/01/32
    0

1

    8287525          286/286             F          440,000.00         ZZ
                                         360        439,182.77          1
                                       6.375          2,745.03         80
                                       6.125          2,745.03
    FAIRFIELD        VT   05455          5            10/03/02         00
    1616884                              05           12/01/02          0
    1616884                              O            11/01/32
    0

    8287527          286/286             F          176,000.00         ZZ
                                         360        175,665.13          4
                                       6.250          1,083.67         80
                                       6.000          1,083.67
    CINCINNATI       OH   45209          1            10/24/02         00
    1653711                              05           12/01/02          0
    1653711                              N            11/01/32
    0

    8287531          286/286             F          114,300.00         ZZ
                                         360        114,002.05          4
                                       7.500            799.21         90
                                       7.250            799.21
    ST LOUIS         MO   63116          1            10/18/02         11
    1655465                              05           12/01/02         25
    1655465                              N            11/01/32
    0

    8287533          286/286             F          127,800.00         ZZ
                                         360        127,595.43          4
                                       7.500            893.60         90
                                       7.250            893.60
    ST LOUIS         MO   63116          1            10/18/02         11
    1655479                              05           12/01/02         25
    1655479                              N            11/01/32
    0

    8287539          286/286             F          300,000.00         ZZ
                                         360        299,542.04          4
                                       7.375          2,072.03         86
                                       7.125          2,072.03
    WASHINGTON       DC   20001          1            10/11/02         11
    1642525                              05           12/01/02         25
    1642525                              N            11/01/32
    0

    8287543          286/286             F          388,000.00         ZZ
                                         360        387,313.45          1
                                       6.625          2,484.41         80
                                       6.375          2,484.41
1

    ROSEVILLE        CA   95747          5            10/02/02         00
    1550948                              05           12/01/02          0
    1550948                              O            11/01/32
    0

    8287549          286/286             F          349,350.00         ZZ
                                         360        348,746.73          1
                                       6.750          2,265.88         80
                                       6.500          2,265.88
    BEVERLY          MA   01915          2            10/17/02         00
    1548308                              05           12/01/02          0
    1548308                              O            11/01/32
    0

    8287551          286/286             F          396,800.00         T
                                         360        396,097.88          1
                                       6.625          2,540.76         75
                                       6.375          2,540.76
    NEWTON           MA   02459          2            10/03/02         00
    1332435                              05           12/01/02          0
    1332435                              O            11/01/32
    0

    8287553          286/286             F          345,000.00         ZZ
                                         360        344,359.20          3
                                       6.375          2,152.36         77
                                       6.125          2,152.36
    DORCHESTER       MA   02122          5            10/08/02         00
    1618289                              05           12/01/02          0
    1618289                              O            11/01/32
    0

    8287555          286/286             F          464,000.00         ZZ
                                         360        463,178.98          1
                                       6.625          2,971.05         67
                                       6.375          2,971.05
    RANCHO PALO VER  CA   90275          2            10/08/02         00
    1569015                              05           12/01/02          0
    1569015                              O            11/01/32
    0

    8287557          286/286             F          650,000.00         ZZ
                                         360        648,863.07          1
                                       7.875          4,712.96         65
                                       7.625          4,712.96
    ROCKTON          IL   61072          2            10/11/02         00
    1413368                              05           12/01/02          0
    1413368                              O            11/01/32
    0
1

    8287559          286/286             F           73,233.00         ZZ
                                         360         73,075.68          4
                                       7.500            512.06         90
                                       7.250            512.06
    NEW PARIS        OH   45347          1            10/18/02         12
    1611050                              05           12/01/02         25
    1611050                              N            11/01/32
    0

    8287561          286/286             F          360,000.00         ZZ
                                         360        359,109.56          1
                                       7.000          2,395.09         80
                                       6.750          2,395.09
    PINE             CO   80470          1            09/30/02         00
    1500557                              05           11/01/02          0
    1500557                              N            10/01/32
    0

    8287563          286/286             F          122,400.00         ZZ
                                         360        122,213.15          1
                                       7.375            845.39         95
                                       7.125            845.39
    ORLANDO          FL   32824          1            10/24/02         14
    1666222                              03           12/01/02         30
    1666222                              O            11/01/32
    0

    8287569          286/286             F           79,920.00         ZZ
                                         360         79,775.03          1
                                       7.000            531.71         80
                                       6.750            531.71
    LANSING          MI   48910          1            10/09/02         00
    1639065                              05           12/01/02          0
    1639065                              N            11/01/32
    0

    8287571          286/286             F          139,500.00         ZZ
                                         360        139,292.29          4
                                       7.500            975.41         90
                                       7.250            975.41
    TAMPA            FL   33616          1            10/17/02         14
    1706478                              05           12/01/02         25
    1706478                              N            11/01/32
    0

    8287573          286/286             F          468,000.00         ZZ
                                         360        467,171.90          1
1

                                       6.625          2,996.66         60
                                       6.375          2,996.66
    RANCHO PALOS VE  CA   90275          2            10/02/02         00
    1568847                              05           12/01/02          0
    1568847                              O            11/01/32
    0

    8287575          286/286             F          400,000.00         ZZ
                                         360        399,238.95          1
                                       6.250          2,462.87         72
                                       6.000          2,462.87
    WOODLAND HILLS   CA   91367          2            10/09/02         00
    1569351                              03           12/01/02          0
    1569351                              O            11/01/32
    0

    8287611          286/286             F          341,000.00         ZZ
                                         360        340,381.77          3
                                       6.500          2,155.36         88
                                       6.250          2,155.36
    SALEM            MA   01970          5            10/17/02         12
    1481308                              05           12/01/02         25
    1481308                              O            11/01/32
    0

    8287617          286/286             F          418,000.00         ZZ
                                         360        417,622.12          1
                                       6.500          2,642.05         90
                                       6.250          2,642.05
    TORRANCE         CA   90503          2            10/28/02         14
    1113778                              05           01/01/03         25
    1113778                              O            12/01/32
    0

    8287619          286/286             F          650,000.00         ZZ
                                         360        648,792.76          1
                                       6.375          4,055.15         75
                                       6.125          4,055.15
    ALEXANDRIA       VA   22301          2            10/15/02         00
    0001253667                           05           12/01/02          0
    0001253667                           O            11/01/32
    0

    8287623          286/286             F          480,000.00         ZZ
                                         360        479,190.75          1
                                       6.875          3,153.26         74
                                       6.625          3,153.26
    LAGUNA BEACH     CA   92651          5            10/18/02         00
    1628656                              05           12/01/02          0
1

    1628656                              O            11/01/32
    0

    8287625          286/286             F          163,800.00         ZZ
                                         360        163,608.59          2
                                       6.875          1,076.05         80
                                       6.625          1,076.05
    SACRAMENTO       CA   95827          5            11/01/02         00
    1649611                              05           01/01/03          0
    1649611                              O            12/01/32
    0

    8287629          286/286             F          384,000.00         ZZ
                                         360        383,368.62          1
                                       7.000          2,554.77         80
                                       6.750          2,554.77
    PACIFIC GROVE    CA   93950          5            10/25/02         00
    1638252                              05           12/01/02          0
    1638252                              O            11/01/32
    0

    8287631          286/286             F          490,000.00         ZZ
                                         360        489,089.90          1
                                       6.375          3,056.97         59
                                       6.125          3,056.97
    OREGON CITY      OR   97045          5            10/18/02         00
    1611400                              05           12/01/02          0
    1611400                              O            11/01/32
    0

    8287633          286/286             F          108,000.00         ZZ
                                         360        107,808.89          1
                                       6.625            691.54         80
                                       6.375            691.54
    PORTLAND         OR   97220          1            10/21/02         00
    1669572                              05           12/01/02          0
    1669572                              N            11/01/32
    0

    8287635          286/286             F           56,000.00         ZZ
                                         360         55,805.51          1
                                       6.750            363.22         80
                                       6.500            363.22
    BREMERTON        WA   98337          5            10/22/02         00
    1255068                              01           12/01/02          0
    1255068                              N            11/01/32
    0

1

    8287641          286/286             F          288,000.00         ZZ
                                         360        287,465.08          4
                                       6.375          1,796.75         80
                                       6.125          1,796.75
    RENO             NV   89501          1            10/24/02         00
    1647296                              05           12/01/02          0
    1647296                              N            11/01/32
    0

    8287645          286/286             F          435,000.00         ZZ
                                         360        433,799.82          1
                                       6.625          2,785.36         74
                                       6.375          2,785.36
    PETALUMA         CA   94954          5            10/25/02         00
    1699738                              05           12/01/02          0
    1699738                              O            11/01/32
    0

    8287647          286/286             F          144,000.00         ZZ
                                         360        143,879.02          1
                                       6.875            945.98         69
                                       6.625            945.98
    CHULA VISTA      CA   91911          2            11/04/02         00
    1629210                              01           01/01/03          0
    1629210                              O            12/01/32
    0

    8287649          286/286             F          207,000.00         ZZ
                                         360        206,152.58          3
                                       8.000          1,518.90         90
                                       7.750          1,518.90
    CHICAGO          IL   60641          1            06/25/02         11
    1313340                              05           08/01/02         25
    1313340                              N            07/01/32
    0

    8287651          286/286             F          264,000.00         ZZ
                                         360        263,521.39          1
                                       6.500          1,668.66         80
                                       6.250          1,668.66
    CORONA           CA   92881          2            10/09/02         00
    1521778                              01           12/01/02          0
    1521778                              O            11/01/32
    0

    8287653          286/286             F          352,000.00         ZZ
                                         360        351,361.85          1
                                       6.500          2,224.88         80
                                       6.250          2,224.88
1

    HIGHLAND         CA   92346          5            10/10/02         00
    1554113                              05           12/01/02          0
    1554113                              O            11/01/32
    0

    8287655          286/286             F          211,500.00         ZZ
                                         360        211,185.09          3
                                       7.500          1,478.84         90
                                       7.250          1,478.84
    BROOKLYN         NY   11207          1            10/25/02         11
    1623928                              05           12/01/02         25
    1623928                              O            11/01/32
    0

    8287659          286/286             F          414,900.00         ZZ
                                         360        414,576.34          2
                                       7.250          2,830.35         90
                                       7.000          2,830.35
    CORONA           NY   11368          1            11/18/02         14
    1678986                              05           01/01/03         25
    1678986                              O            12/01/32
    0

    8287661          286/286             F           71,100.00         ZZ
                                         360         70,980.18          4
                                       6.875            467.08         90
                                       6.625            467.08
    DICKINSON        TX   77539          1            10/15/02         11
    948402                               05           12/01/02         25
    948402                               N            11/01/32
    0

    8287665          286/286             F          121,500.00         ZZ
                                         360        121,323.56          4
                                       7.625            859.97         90
                                       7.375            859.97
    PHOENIX          AZ   85020          1            10/22/02         10
    1524357                              05           12/01/02         25
    1524357                              N            11/01/32
    0

    8287669          286/286             F          500,000.00         T
                                         360        499,136.58          1
                                       6.750          3,243.00         67
                                       6.500          3,243.00
    NEWPORT BEACH    CA   92663          1            10/25/02         00
    1647350                              01           12/01/02          0
    1647350                              O            11/01/32
    0
1

    8287671          286/286             F           97,600.00         ZZ
                                         360         97,523.86          2
                                       7.250            665.81         80
                                       7.000            665.81
    INDIANAPOLIS     IN   46227          2            11/08/02         00
    1752887                              05           01/01/03          0
    1752887                              N            12/01/32
    0

    8287673          286/286             F          112,500.00         ZZ
                                         360        112,332.49          3
                                       7.500            786.62         90
                                       7.250            786.62
    PROVIDENCE       RI   02908          1            10/31/02         14
    1729519                              05           12/01/02         25
    1729519                              N            11/01/32
    0

    8287675          286/286             F          135,000.00         ZZ
                                         360        134,798.99          3
                                       7.500            943.94         90
                                       7.250            943.94
    PROVIDENCE       RI   02909          1            10/31/02         11
    1729541                              05           12/01/02         25
    1729541                              N            11/01/32
    0

    8287679          286/286             F          120,600.00         ZZ
                                         360        120,420.42          4
                                       7.500            843.26         90
                                       7.250            843.26
    GRETNA           LA   70056          1            10/21/02         11
    1670844                              05           12/01/02         25
    1670844                              N            11/01/32
    0

    8287683          286/286             F          630,000.00         ZZ
                                         360        629,416.49          2
                                       6.375          3,930.39         75
                                       6.125          3,930.39
    SAN FRANCISCO    CA   94107          1            11/05/02         00
    1616653                              05           01/01/03          0
    1616653                              O            12/01/32
    0

    8287687          286/286             F          187,000.00         ZZ
                                         360        186,721.55          4
1

                                       7.500          1,307.54         85
                                       7.250          1,307.54
    NEWARK           NJ   07106          1            10/29/02         11
    1737058                              05           12/01/02         20
    1737058                              N            11/01/32
    0

    8287689          286/286             F          310,000.00         ZZ
                                         360        309,410.17          1
                                       6.250          1,908.73         79
                                       6.000          1,908.73
    CONCORD          CA   94521          1            10/24/02         00
    1699474                              05           12/01/02          0
    1699474                              N            11/01/32
    0

    8287691          286/286             F          432,800.00         ZZ
                                         360        431,996.15          1
                                       6.375          2,700.11         80
                                       6.125          2,700.11
    MOUNT LAUREL     NJ   08054          5            10/25/02         00
    1615018                              03           12/01/02          0
    1615018                              O            11/01/32
    0

    8287693          286/286             F          287,910.00         ZZ
                                         360        287,467.73          3
                                       7.625          2,037.81         90
                                       7.375          2,037.81
    BROCKTON         MA   02302          1            10/25/02         12
    1714592                              05           12/01/02         25
    1714592                              N            11/01/32
    0

    8287695          286/286             F          139,550.00         ZZ
                                         360        139,284.84          1
                                       6.875            916.75         95
                                       6.625            916.75
    COCONUT CREEK    FL   33073          1            10/17/02         21
    1599382                              03           12/01/02         30
    1599382                              O            11/01/32
    0

    8287697          286/286             F          193,500.00         ZZ
                                         360        193,165.86          3
                                       6.750          1,255.04         90
                                       6.500          1,255.04
    HALLANDALE       FL   33009          1            10/21/02         10
    1637792                              05           12/01/02         25
1

    1637792                              N            11/01/32
    0

    8287701          286/286             F          116,450.00         ZZ
                                         360        116,233.54          3
                                       6.375            726.50         85
                                       6.125            726.50
    PHOENIX          AZ   85015          1            10/28/02         21
    1673393                              05           12/01/02         20
    1673393                              N            11/01/32
    0

    8287703          286/286             F          116,450.00         ZZ
                                         360        116,233.71          3
                                       6.375            726.50         85
                                       6.125            726.50
    PHOENIX          AZ   85015          1            10/28/02         21
    1673397                              05           12/01/02         20
    1673397                              N            11/01/32
    0

    8287705          286/286             F           95,200.00         ZZ
                                         360         95,023.19          2
                                       6.375            593.92         80
                                       6.125            593.92
    BATON ROUGE      LA   70816          5            10/15/02         00
    1613278                              05           12/01/02          0
    1613278                              O            11/01/32
    0

    8287707          286/286             F           81,000.00         ZZ
                                         360         80,822.96          1
                                       7.625            573.32         90
                                       7.375            573.32
    DETROIT          MI   48205          1            10/03/02         12
    1569228                              05           11/01/02         30
    1569228                              N            10/01/32
    0

    8287709          286/286             F          395,000.00         ZZ
                                         360        393,931.45          1
                                       6.250          2,432.09         56
                                       6.000          2,432.09
    WILTON           CT   06897          2            10/11/02         00
    1587558                              05           12/01/02          0
    1587558                              O            11/01/32
    0

1

    8287711          286/286             F          175,500.00         ZZ
                                         360        175,181.84          4
                                       6.500          1,109.28         90
                                       6.250          1,109.28
    NEWARK           NJ   07101          1            10/25/02         10
    1467625                              05           12/01/02         25
    1467625                              N            11/01/32
    0

    8287715          286/286             F          124,000.00         ZZ
                                         360        123,737.56          1
                                       6.625            793.99         80
                                       6.375            793.99
    BURLINGTON       MA   01803          5            10/10/02         00
    1579730                              01           12/01/02          0
    1579730                              O            11/01/32
    0

    8287719          286/286             F          385,000.00         ZZ
                                         360        383,345.52          1
                                       6.875          2,529.18         72
                                       6.625          2,529.18
    TORRANCE         CA   90505          2            10/15/02         00
    1600000                              05           12/01/02          0
    1600000                              O            11/01/32
    0

    8287721          286/286             F          106,020.00         ZZ
                                         360        105,860.24          4
                                       7.500            741.31         90
                                       7.250            741.31
    ST LOUIS         MO   63111          1            10/17/02         11
    1314988                              05           12/01/02         25
    1314988                              N            11/01/32
    0

    8287723          286/286             F          355,000.00         ZZ
                                         360        354,324.56          1
                                       6.250          2,185.80         63
                                       6.000          2,185.80
    SAN MARINO       CA   91108          2            10/01/02         00
    1569163                              05           12/01/02          0
    1569163                              O            11/01/32
    0

    8287725          286/286             F          235,800.00         ZZ
                                         360        235,457.58          3
                                       7.625          1,668.98         90
                                       7.375          1,668.98
1

    MANCHESTER       NH   03103          1            10/31/02         11
    1667644                              05           12/01/02         25
    1667644                              N            11/01/32
    0

    8287729          286/286             F          206,910.00         ZZ
                                         360        206,601.92          3
                                       7.500          1,446.75         90
                                       7.250          1,446.75
    NEW BEDFORD      MA   02740          1            10/08/02         12
    1604210                              05           12/01/02         25
    1604210                              N            11/01/32
    0

    8287733          286/286             F          492,500.00         ZZ
                                         360        491,628.54          1
                                       6.625          3,153.54         55
                                       6.375          3,153.54
    SAN FRANCISCO    CA   94131          2            10/11/02         00
    1588116                              05           12/01/02          0
    1588116                              O            11/01/32
    0

    8287737          286/286             F          452,000.00         ZZ
                                         360        450,200.21          1
                                       6.625          2,894.21         57
                                       6.375          2,894.21
    SAN RAFAEL       CA   94901          2            10/16/02         00
    1596884                              05           12/01/02          0
    1596884                              O            11/01/32
    0

    8287741          286/286             F           94,700.00         ZZ
                                         360         94,496.10          3
                                       6.500            598.57         87
                                       6.250            598.57
    SPRINGFIELD      MA   01104          2            10/25/02         11
    1590060                              05           12/01/02         12
    1590060                              O            11/01/32
    0

    8287743          286/286             F          318,000.00         ZZ
                                         360        317,409.37          1
                                       6.375          1,983.91         76
                                       6.125          1,983.91
    EASTON           CT   06612          5            10/23/02         00
    1607942                              05           12/01/02          0
    1607942                              O            11/01/32
    0
1

    8287745          286/286             F          339,000.00         ZZ
                                         360        338,370.37          1
                                       6.375          2,114.92         78
                                       6.125          2,114.92
    WOODBURY         MN   55129          2            10/17/02         00
    1597023                              05           12/01/02          0
    1597023                              O            11/01/32
    0

    8287747          286/286             F          382,000.00         ZZ
                                         360        381,431.23          1
                                       7.500          2,671.00         54
                                       7.250          2,671.00
    LONG LAKE        IL   60047          2            10/11/02         00
    1655847                              03           12/01/02          0
    1655847                              O            11/01/32
    0

    8287749          286/286             F          181,900.00         ZZ
                                         360        181,544.90          1
                                       7.000          1,210.19         85
                                       6.750          1,210.19
    LAGUNA HILLS     CA   92653          5            10/16/02         11
    1596894                              01           12/01/02         12
    1596894                              O            11/01/32
    0

    8287751          286/286             F          332,000.00         ZZ
                                         360        331,094.71          1
                                       6.500          2,098.47         60
                                       6.250          2,098.47
    JACKSONVILLE     FL   32250          5            09/20/02         00
    1600374                              05           11/01/02          0
    1600374                              O            10/01/32
    0

    8287753          286/286             F          390,000.00         ZZ
                                         360        389,087.54          1
                                       6.500          2,465.07         41
                                       6.250          2,465.07
    SANTA BARBARA    CA   93109          2            10/01/02         00
    1568860                              05           12/01/02          0
    1568860                              O            11/01/32
    0

    8287755          286/286             F          116,000.00         ZZ
                                         360        115,784.55          1
1

                                       6.375            723.69         80
                                       6.125            723.69
    PURCELLVILLE     VA   20132          1            10/31/02         00
    1725702                              03           12/01/02          0
    1725702                              N            11/01/32
    0

    8287757          286/286             F          110,250.00         ZZ
                                         360        110,020.89          3
                                       7.875            799.39         90
                                       7.625            799.39
    MILWAUKEE        WI   53212          1            09/06/02         12
    1488616                              05           11/01/02         25
    1488616                              N            10/01/32
    0

    8287759          286/286             F          340,800.00         ZZ
                                         360        340,087.27          1
                                       6.625          2,182.18         80
                                       6.375          2,182.18
    LAGUNA NIGUEL    CA   92677          1            10/21/02         00
    1602146                              03           12/01/02          0
    1602146                              O            11/01/32
    0

    8287761          286/286             F          284,000.00         ZZ
                                         360        283,472.50          4
                                       6.375          1,771.80         80
                                       6.125          1,771.80
    WASHINGTON       DC   20010          5            10/07/02         00
    1388699                              05           12/01/02          0
    1388699                              O            11/01/32
    0

    8287765          286/286             F           81,600.00         ZZ
                                         360         81,478.50          1
                                       7.500            570.56         80
                                       7.250            570.56
    MIAMI            FL   33015          1            10/08/02         00
    1621264                              01           12/01/02          0
    1621264                              N            11/01/32
    0

    8287767          286/286             F          640,000.00         ZZ
                                         360        638,811.31          1
                                       6.375          3,992.77         56
                                       6.125          3,992.77
    RIDGEFIELD       CT   06877          2            10/21/02         00
    1463609                              05           12/01/02          0
1

    1463609                              O            11/01/32
    0

    8287937          S11/G02             F          118,750.00         ZZ
                                         360        118,750.00          1
                                       6.875            780.10         95
                                       6.625            780.10
    PALM DESERT      CA   92260          1            12/04/02         04
    0435122809                           03           02/01/03         30
    10210287                             O            01/01/33
    0

    8287997          696/G02             F          399,900.00         ZZ
                                         360        399,529.61          1
                                       6.375          2,494.86         80
                                       6.125          2,494.86
    PURCELLVILLE     VA   20132          1            11/26/02         00
    0435134044                           05           01/01/03          0
    24002181                             O            12/01/32
    0

    8288097          964/G02             F          342,165.00         ZZ
                                         360        342,165.00          1
                                       6.125          2,079.03         73
                                       5.875          2,079.03
    COLORADO SPRING  CO   80908          1            12/13/02         00
    0435128848                           03           02/01/03          0
    316199                               O            01/01/33
    0

    8288257          286/286             F          648,750.00         ZZ
                                         360        648,177.62          1
                                       6.625          4,154.02         75
                                       6.375          4,154.02
    SHERMAN OAKS     CA   91423          5            10/30/02         00
    1669787                              05           01/01/03          0
    1669787                              O            12/01/32
    0

    8288265          286/286             F          135,000.00         ZZ
                                         360        134,848.64          3
                                       7.250            920.94         90
                                       7.000            920.94
    HODGKINS         IL   60525          1            11/14/02         19
    1554100                              05           01/01/03         25
    1554100                              O            12/01/32
    0

1

    8288277          286/286             F          139,500.00         ZZ
                                         360        139,396.47          2
                                       7.500            975.41         90
                                       7.250            975.41
    PATERSON         NJ   07501          1            11/12/02         11
    1746190                              05           01/01/03         25
    1746190                              N            12/01/32
    0

    8288283          286/286             F          500,000.00         T
                                         360        499,536.90          1
                                       6.375          3,119.35         80
                                       6.125          3,119.35
    BRIGANTINE       NJ   08203          1            11/13/02         00
    1612307                              05           01/01/03          0
    1612307                              O            12/01/32
    0

    8288289          286/286             F          108,000.00         ZZ
                                         360        107,919.84          3
                                       7.500            755.16         90
                                       7.250            755.16
    SOUTHBRIDGE      MA   01550          1            11/08/02         14
    1703833                              05           01/01/03         25
    1703833                              N            12/01/32
    0

    8288293          286/286             F           84,600.00         ZZ
                                         360         84,528.92          4
                                       6.875            555.77         90
                                       6.625            555.77
    LAFAYETTE        LA   70508          1            11/19/02         11
    1765922                              05           01/01/03         25
    1765922                              N            12/01/32
    0

    8288299          286/286             F          194,200.00         ZZ
                                         360        193,728.12          1
                                       6.250          1,195.73         90
                                       6.000          1,195.73
    SACRAMENTO       CA   95829          1            10/28/02         10
    1486756                              05           12/01/02         25
    1486756                              N            11/01/32
    0

    8288301          286/286             F          144,000.00         ZZ
                                         360        143,863.36          1
                                       6.250            886.64         90
                                       6.000            886.64
1

    MERCED           CA   95340          1            11/01/02         21
    1716627                              05           01/01/03         25
    1716627                              N            12/01/32
    0

    8288451          286/286             F          140,000.00         ZZ
                                         360        139,831.25          1
                                       7.125            943.21         80
                                       6.875            943.21
    RAMONA           CA   92065          1            11/07/02         00
    1738717                              05           01/01/03          0
    1738717                              N            12/01/32
    0

    8288503          286/286             F          148,500.00         ZZ
                                         360        148,359.09          1
                                       6.250            914.35         90
                                       6.000            914.35
    CARMICHAEL       CA   95608          1            11/11/02         10
    1729367                              05           01/01/03         30
    1729367                              O            12/01/32
    0

    8288507          286/286             F          300,000.00         ZZ
                                         360        299,754.09          1
                                       7.000          1,995.91         77
                                       6.750          1,995.91
    WINDSOR          CA   95492          1            11/07/02         00
    1761310                              05           01/01/03          0
    1761310                              N            12/01/32
    0

    8288511          286/286             F          427,000.00         ZZ
                                         360        426,446.35          1
                                       6.875          2,805.09         80
                                       6.625          2,805.09
    SAN JOSE         CA   95122          5            11/07/02         00
    1639482                              05           01/01/03          0
    1639482                              O            12/01/32
    0

    8288515          286/286             F          147,250.00         ZZ
                                         360        147,055.13          3
                                       7.250          1,004.51         95
                                       7.000          1,004.51
    NEW HAVEN        CT   06511          1            11/07/02         14
    1733874                              05           01/01/03         30
    1733874                              O            12/01/32
    0
1

    8288521          286/286             F          366,000.00         ZZ
                                         360        365,652.72          1
                                       6.250          2,253.53         78
                                       6.000          2,253.53
    DALLAS           TX   75225          2            11/13/02         00
    1670704                              05           01/01/03          0
    1670704                              N            12/01/32
    0

    8288525          286/286             F           68,000.00         ZZ
                                         360         67,944.26          1
                                       7.000            452.41         80
                                       6.750            452.41
    DEER PARK        TX   77536          1            11/14/02         00
    1792708                              05           01/01/03          0
    1792708                              N            12/01/32
    0

    8288533          286/286             F           69,900.00         ZZ
                                         360         69,694.34          1
                                       6.750            453.38         88
                                       6.500            453.38
    LOUISVILLE       KY   40204          1            10/25/02         12
    1645069                              01           12/01/02         25
    1645069                              O            11/01/32
    0

    8288541          286/286             F          113,200.00         ZZ
                                         360        112,860.75          1
                                       7.500            791.52         90
                                       7.250            791.52
    PALM BEACH GARD  FL   33410          1            08/27/02         10
    1485701                              05           10/01/02         30
    1485701                              N            09/01/32
    0

    8288551          286/286             F          105,750.00         ZZ
                                         360        105,564.67          1
                                       6.875            694.70         90
                                       6.625            694.70
    WHITE CITY       OR   97503          1            10/23/02         14
    1684817                              05           12/01/02         25
    1684817                              O            11/01/32
    0

    8288553          286/286             F          185,600.00         ZZ
                                         360        185,423.89          1
1

                                       6.250          1,142.78         80
                                       6.000          1,142.78
    WHEELING         IL   60090          1            11/07/02         00
    1418545                              05           01/01/03          0
    1418545                              O            12/01/32
    0

    8288567          286/286             F           84,000.00         ZZ
                                         360         83,861.88          1
                                       7.000            558.86         80
                                       6.750            558.86
    ATLANTA          GA   30331          5            11/01/02         00
    1727755                              05           12/01/02          0
    1727755                              N            11/01/32
    0

    8288583          286/286             F          175,000.00         ZZ
                                         300        174,581.85          1
                                       6.250          1,154.43         62
                                       6.000          1,154.43
    BRISTOL          RI   02809          5            11/06/02         00
    1636813                              05           01/01/03          0
    1636813                              O            12/01/27
    0

    8288593          286/286             F          118,850.00         ZZ
                                         360        118,634.52          1
                                       6.500            751.22         90
                                       6.250            751.22
    BUFORD           GA   30518          1            10/28/02         21
    1724882                              03           12/01/02         25
    1724882                              N            11/01/32
    0

    8288601          286/286             F          182,000.00         ZZ
                                         360        181,551.82          1
                                       6.875          1,195.61         80
                                       6.625          1,195.61
    BIG PINE KEY     FL   33043          1            10/18/02         00
    1643823                              05           12/01/02          0
    1643823                              O            11/01/32
    0

    8288607          286/286             F          390,000.00         ZZ
                                         360        389,239.94          1
                                       6.125          2,369.69         60
                                       5.875          2,369.69
    ROLLING HILLS E  CA   90274          1            10/22/02         00
    1667721                              05           12/01/02          0
1

    1667721                              O            11/01/32
    0

    8288619          286/286             F           92,800.00         ZZ
                                         360         92,627.62          1
                                       6.375            578.96         80
                                       6.125            578.96
    MESA             AZ   85204          2            10/25/02         00
    1606169                              03           12/01/02          0
    1606169                              N            11/01/32
    0

    8288629          286/286             F          243,000.00         ZZ
                                         360        242,580.38          1
                                       6.750          1,576.10         90
                                       6.500          1,576.10
    LAS VEGAS        NV   89123          2            10/29/02         12
    1019421                              05           12/01/02         25
    1019421                              N            11/01/32
    0

    8288635          286/286             F          450,000.00         ZZ
                                         360        449,164.20          1
                                       6.375          2,807.42         75
                                       6.125          2,807.42
    GLASTONBURY      CT   06033          5            10/25/02         00
    1670924                              05           12/01/02          0
    1670924                              O            11/01/32
    0

    8288641          286/286             F          637,500.00         ZZ
                                         360        636,284.94          1
                                       7.250          4,348.87         75
                                       7.000          4,348.87
    KEY WEST         FL   33040          1            10/18/02         00
    1720767                              05           12/01/02          0
    1720767                              O            11/01/32
    0

    8288649          286/286             F          135,000.00         ZZ
                                         360        134,762.31          1
                                       7.000            898.16         90
                                       6.750            898.16
    HENDERSON        NV   89014          2            10/29/02         14
    1627421                              01           12/01/02         25
    1627421                              N            11/01/32
    0

1

    8288655          286/286             F          156,320.00         ZZ
                                         360        156,062.97          1
                                       7.000          1,040.01         80
                                       6.750          1,040.01
    WOODBRIDGE       VA   22193          1            10/31/02         00
    1713869                              05           12/01/02          0
    1713869                              O            11/01/32
    0

    8288673          286/286             F          109,800.00         ZZ
                                         360        109,315.52          3
                                       7.625            777.16         90
                                       7.375            777.16
    N BROOKFIELD     MA   01535          1            07/02/02         04
    1391451                              05           08/01/02         25
    1391451                              N            07/01/32
    0

    8288681          286/286             F          322,500.00         ZZ
                                         360        321,915.34          1
                                       6.500          2,038.42         75
                                       6.250          2,038.42
    WOBURN           MA   01801          5            10/23/02         00
    1655237                              05           12/01/02          0
    1655237                              O            11/01/32
    0

    8288691          286/286             F          424,000.00         ZZ
                                         360        423,607.29          1
                                       6.375          2,645.21         80
                                       6.125          2,645.21
    SAN GABRIEL      CA   91775          5            11/01/02         00
    1655568                              05           01/01/03          0
    1655568                              O            12/01/32
    0

    8288701          286/286             F          156,750.00         ZZ
                                         360        156,516.61          1
                                       7.500          1,096.02         95
                                       7.250          1,096.02
    BRIGHTON         MA   02135          1            11/01/02         14
    1679767                              01           12/01/02         30
    1679767                              O            11/01/32
    0

    8288707          286/286             F          129,600.00         ZZ
                                         360        129,503.82          1
                                       7.500            906.18         80
                                       7.250            906.18
1

    BALTIMORE        MD   21234          1            11/07/02         00
    0001248709                           05           01/01/03          0
    0001248709                           O            12/01/32
    0

    8288741          286/286             F          220,000.00         ZZ
                                         360        219,801.12          1
                                       6.500          1,390.55         80
                                       6.250          1,390.55
    MENIFEE          CA   92584          5            11/15/02         00
    1755322                              05           01/01/03          0
    1755322                              O            12/01/32
    0

    8288811          286/286             F          203,600.00         ZZ
                                         360        203,415.93          1
                                       6.500          1,286.90         79
                                       6.250          1,286.90
    ARLETA AREA      CA   91331          2            10/31/02         00
    1647884                              05           01/01/03          0
    1647884                              O            12/01/32
    0

    8288855          286/286             F           48,800.00         ZZ
                                         360         48,515.16          1
                                       6.750            316.52         80
                                       6.500            316.52
    DALLAS           TX   75248          1            10/25/02         00
    1683757                              01           12/01/02          0
    1683757                              O            11/01/32
    0

    8288861          286/286             F          185,142.00         ZZ
                                         360        184,970.52          1
                                       6.375          1,155.05         69
                                       6.125          1,155.05
    BEAVER CREEK     OR   97004          5            11/18/02         00
    1649607                              05           01/01/03          0
    1649607                              O            12/01/32
    0

    8288865          286/286             F          204,000.00         ZZ
                                         360        203,840.86          1
                                       7.250          1,391.64         80
                                       7.000          1,391.64
    DENVILLE         NJ   07834          1            11/08/02         00
    1725003                              05           01/01/03          0
    1725003                              N            12/01/32
    0
1

    8288871          286/286             F           62,400.00         ZZ
                                         360         62,292.24          1
                                       6.750            404.73         80
                                       6.500            404.73
    SACRAMENTO       CA   95820          1            10/23/02         00
    1644734                              05           12/01/02          0
    1644734                              N            11/01/32
    0

    8288889          286/286             F          125,500.00         ZZ
                                         360        125,394.56          1
                                       6.875            824.45         80
                                       6.625            824.45
    KAYSVILLE        UT   84037          1            11/06/02         00
    1712253                              05           01/01/03          0
    1712253                              O            12/01/32
    0

    8288897          286/286             F          132,000.00         ZZ
                                         360        131,874.75          1
                                       6.250            812.75         80
                                       6.000            812.75
    LA PINE          OR   97739          5            11/18/02         00
    1693382                              05           01/01/03          0
    1693382                              O            12/01/32
    0

    8288903          286/286             F          440,000.00         ZZ
                                         360        439,621.16          1
                                       6.750          2,853.84         80
                                       6.500          2,853.84
    CASTRO VALLEY    CA   94552          5            11/04/02         00
    1679267                              03           01/01/03          0
    1679267                              O            12/01/32
    0

    8288907          286/286             F          194,000.00         ZZ
                                         360        193,420.32          4
                                       6.375          1,210.31         41
                                       6.125          1,210.31
    OAKLAND          CA   94621          2            11/06/02         00
    1628937                              05           01/01/03          0
    1628937                              O            12/01/32
    0

    8288921          286/286             F           44,000.00         ZZ
                                         360         43,963.93          2
1

                                       7.000            292.74         80
                                       6.750            292.74
    INDIANAPOLIS     IN   46225          2            11/12/02         00
    1784397                              05           01/01/03          0
    1784397                              N            12/01/32
    0

    8288927          286/286             F           65,250.00         ZZ
                                         360         65,201.57          2
                                       7.500            456.24         90
                                       7.250            456.24
    INDIANAPOLIS     IN   46203          1            11/08/02         11
    1752870                              05           01/01/03         25
    1752870                              N            12/01/32
    0

    8288935          286/286             F          160,000.00         ZZ
                                         360        159,855.36          1
                                       6.500          1,011.31         80
                                       6.250          1,011.31
    HIGLEY           AZ   85236          5            11/01/02         00
    1680756                              05           01/01/03          0
    1680756                              O            12/01/32
    0

    8288939          X82/G02             F          300,700.00         ZZ
                                         360        300,428.16          1
                                       6.500          1,900.63         67
                                       6.250          1,900.63
    HUNTINGTOWN      MD   20639          1            11/19/02         00
    0435112297                           05           01/01/03          0
    843574                               O            12/01/32
    0

    8288943          286/286             F          200,000.00         ZZ
                                         360        199,818.33          1
                                       6.500          1,264.14         80
                                       6.250          1,264.14
    RENO             NV   89512          5            11/01/02         00
    1116952                              03           01/01/03          0
    1116952                              O            12/01/32
    0

    8288965          286/286             F          137,600.00         ZZ
                                         360        137,400.17          1
                                       7.625            973.93         80
                                       7.375            973.93
    ORANGEVALE       CA   95662          5            11/01/02         00
    1684678                              03           12/01/02          0
1

    1684678                              O            11/01/32
    0

    8288973          286/286             F          351,000.00         ZZ
                                         360        350,697.80          1
                                       6.750          2,276.58         90
                                       6.500          2,276.58
    BURBANK          CA   91506          5            11/13/02         11
    1720975                              05           01/01/03         25
    1720975                              O            12/01/32
    0

    8288985          286/286             F          112,800.00         ZZ
                                         360        112,602.15          1
                                       6.500            712.98         80
                                       6.250            712.98
    DICKINSON        ND   58601          2            11/13/02         00
    1741393                              05           01/01/03          0
    1741393                              N            12/01/32
    0

    8288995          286/286             F          241,600.00         ZZ
                                         360        241,397.02          1
                                       6.875          1,587.15         90
                                       6.625          1,587.15
    KATY             TX   77450          1            11/07/02         10
    1768564                              03           01/01/03         25
    1768564                              O            12/01/32
    0

    8289017          975/G02             F          235,000.00         ZZ
                                         360        235,000.00          1
                                       6.250          1,446.94         75
                                       6.000          1,446.94
    SANTA ANA        CA   92706          5            12/02/02         00
    0435126750                           05           02/01/03          0
    2025111                              O            01/01/33
    0

    8289021          286/286             F          331,000.00         ZZ
                                         360        330,385.23          1
                                       6.375          2,065.01         77
                                       6.125          2,065.01
    CHICAGO          IL   60613          5            10/11/02         00
    1522162                              01           12/01/02          0
    1522162                              O            11/01/32
    0

1

    8289027          286/286             F           73,600.00         ZZ
                                         360         73,484.81          1
                                       7.250            502.09         80
                                       7.000            502.09
    FREDERICK        MD   21703          1            11/04/02         00
    1754205                              09           12/01/02          0
    1754205                              N            11/01/32
    0

    8289031          286/286             F           64,000.00         ZZ
                                         360         63,380.44          1
                                       6.375            399.28         80
                                       6.125            399.28
    ALEXANDRIA       VA   22312          1            10/08/02         00
    1619344                              01           12/01/02          0
    1619344                              N            11/01/32
    0

    8289035          286/286             F          362,000.00         ZZ
                                         360        361,199.80          1
                                       6.250          2,228.90         42
                                       6.000          2,228.90
    MORAGA           CA   94556          2            10/21/02         00
    1569245                              05           12/01/02          0
    1569245                              O            11/01/32
    0

    8289039          286/286             F          110,250.00         ZZ
                                         360        110,059.62          3
                                       6.750            715.08         90
                                       6.500            715.08
    ALBUQUERQUE      NM   87108          1            10/16/02         10
    1664975                              05           12/01/02         25
    1664975                              N            11/01/32
    0

    8289041          286/286             F          139,600.00         ZZ
                                         360        139,473.80          1
                                       6.500            882.37         80
                                       6.250            882.37
    ELOY             AZ   85231          1            11/07/02         00
    1704287                              03           01/01/03          0
    1704287                              O            12/01/32
    0

    8289047          286/286             F           71,550.00         ZZ
                                         360         71,435.22          2
                                       7.125            482.05         90
                                       6.875            482.05
1

    MESA             AZ   85201          1            11/01/02         12
    1670791                              05           12/01/02         12
    1670791                              N            11/01/32
    0

    8289049          286/286             F          116,000.00         ZZ
                                         360        115,804.53          1
                                       6.875            762.04         80
                                       6.625            762.04
    PONTIAC          MI   48341          1            10/14/02         00
    1667786                              05           12/01/02          0
    1667786                              O            11/01/32
    0

    8289053          286/286             F           77,000.00         ZZ
                                         360         76,930.38          1
                                       6.500            486.70         72
                                       6.250            486.70
    TALLAHASSEE      FL   32304          2            11/13/02         00
    1625929                              05           01/01/03          0
    1625929                              O            12/01/32
    0

    8289055          286/286             F           74,400.00         ZZ
                                         360         74,227.68          1
                                       6.125            452.07         80
                                       5.875            452.07
    LEXINGTON PARK   MD   20653          1            11/01/02         00
    1682954                              09           01/01/03          0
    1682954                              N            12/01/32
    0

    8289063          286/286             F          413,000.00         ZZ
                                         360        412,337.46          1
                                       7.125          2,782.46         73
                                       6.875          2,782.46
    REDONDO BEACH    CA   90278          2            10/23/02         00
    1575751                              05           12/01/02          0
    1575751                              O            11/01/32
    0

    8289067          286/286             F           91,900.00         ZZ
                                         360         91,741.29          1
                                       6.750            596.07         80
                                       6.500            596.07
    GERMANTOWN       OH   45327          1            11/01/02         00
    1685812                              05           12/01/02          0
    1685812                              N            11/01/32
    0
1

    8289069          286/286             F          144,000.00         ZZ
                                         360        143,785.59          4
                                       7.500          1,006.87         90
                                       7.250          1,006.87
    KENNEWICK        WA   99336          1            10/14/02         14
    1576806                              05           12/01/02         25
    1576806                              N            11/01/32
    0

    8289073          286/286             F          130,500.00         ZZ
                                         360        130,274.63          4
                                       6.750            846.43         90
                                       6.500            846.43
    PHOENIX          AZ   85029          1            10/21/02         12
    1718703                              05           12/01/02         25
    1718703                              N            11/01/32
    0

    8289077          286/286             F           99,500.00         ZZ
                                         360         99,407.83          1
                                       6.375            620.76         59
                                       6.125            620.76
    TAYLOR           MI   48180          2            11/01/02         00
    1663015                              05           01/01/03          0
    1663015                              O            12/01/32
    0

    8289091          286/286             F           96,000.00         ZZ
                                         360         95,911.08          2
                                       6.375            598.92         80
                                       6.125            598.92
    PROVIDENCE       RI   02909          1            11/13/02         00
    1672558                              05           01/01/03          0
    1672558                              N            12/01/32
    0

    8289103          286/286             F          196,000.00         ZZ
                                         360        195,627.07          1
                                       6.250          1,206.81         90
                                       6.000          1,206.81
    SUMMERVILLE      SC   29485          1            10/28/02         12
    1651137                              03           12/01/02         25
    1651137                              O            11/01/32
    0

    8289133          286/286             F          395,000.00         ZZ
                                         360        394,248.45          1
1

                                       6.250          2,432.09         36
                                       6.000          2,432.09
    WESTON           CT   06883          2            10/25/02         00
    1599390                              05           12/01/02          0
    1599390                              O            11/01/32
    0

    8289139          286/286             F          345,000.00         ZZ
                                         360        344,343.54          1
                                       6.250          2,124.23         54
                                       6.000          2,124.23
    NAVENSINK        NJ   07752          2            10/24/02         00
    1569317                              05           12/01/02          0
    1569317                              O            11/01/32
    0

    8289143          286/286             F          215,000.00         ZZ
                                         360        214,819.37          1
                                       6.875          1,412.40         79
                                       6.625          1,412.40
    PEWEE VALLEY     KY   40056          2            11/07/02         00
    1579978                              05           01/01/03          0
    1579978                              O            12/01/32
    0

    8289149          286/286             F          162,700.00         ZZ
                                         360        162,545.62          1
                                       6.250          1,001.78         80
                                       6.000          1,001.78
    CELEBRATION      FL   34747          1            11/01/02         00
    1633577                              05           01/01/03          0
    1633577                              N            12/01/32
    0

    8289251          286/286             F           36,000.00         ZZ
                                         360         35,684.65          2
                                       6.250            221.66         90
                                       6.000            221.66
    GLASSPORT        PA   15045          1            11/14/02         10
    1740923                              05           01/01/03         25
    1740923                              N            12/01/32
    0

    8289253          286/286             F          128,000.00         ZZ
                                         360        127,900.14          1
                                       7.250            873.19         80
                                       7.000            873.19
    CARDINGTON       OH   43315          5            11/07/02         00
    1584729                              05           01/01/03          0
1

    1584729                              O            12/01/32
    0

    8289255          286/286             F          251,000.00         ZZ
                                         360        250,773.08          1
                                       6.500          1,586.50         70
                                       6.250          1,586.50
    ADDISON          IL   60101          5            11/05/02         00
    1509955                              05           01/01/03          0
    1509955                              O            12/01/32
    0

    8289257          286/286             F          210,000.00         ZZ
                                         360        209,654.72          3
                                       7.000          1,397.14         71
                                       6.750          1,397.14
    PORTLAND         ME   04101          5            10/29/02         00
    1674655                              05           12/01/02          0
    1674655                              O            11/01/32
    0

    8289261          286/286             F          138,000.00         ZZ
                                         360        137,336.47          1
                                       6.250            849.69         46
                                       6.000            849.69
    BELLEVUE         WA   98006          5            10/23/02         00
    1528085                              05           12/01/02          0
    1528085                              O            11/01/32
    0

    8289267          286/286             F          364,650.00         ZZ
                                         360        363,951.39          1
                                       7.375          2,518.55         85
                                       7.125          2,518.55
    DURAND           IL   61024          1            10/30/02         12
    1345437                              05           12/01/02         12
    1345437                              O            11/01/32
    0

    8289269          286/286             F          164,800.00         ZZ
                                         360        164,501.23          1
                                       6.500          1,041.65         80
                                       6.250          1,041.65
    MAPLE GROVE      MN   55369          5            10/21/02         00
    1661297                              05           12/01/02          0
    1661297                              O            11/01/32
    0

1

    8289271          286/286             F          145,000.00         ZZ
                                         360        144,730.67          1
                                       6.375            904.62         57
                                       6.125            904.62
    ALEXANDRIA       VA   22310          5            10/18/02         00
    1668107                              09           12/01/02          0
    1668107                              O            11/01/32
    0

    8289273          286/286             F          248,000.00         ZZ
                                         360        247,550.39          1
                                       6.500          1,567.53         80
                                       6.250          1,567.53
    RUSSELL          MA   01071          1            10/30/02         00
    1636618                              05           12/01/02          0
    1636618                              O            11/01/32
    0

    8289283          286/286             F          142,200.00         ZZ
                                         360        141,988.26          4
                                       7.500            994.29         90
                                       7.250            994.29
    ST LOUIS         MO   63139          1            10/22/02         11
    1630035                              05           12/01/02         25
    1630035                              N            11/01/32
    0

    8289289          286/286             F          310,000.00         ZZ
                                         360        309,616.18          1
                                       6.375          1,934.00         71
                                       6.125          1,934.00
    EDISON           NJ   08820          2            10/31/02         00
    1602333                              05           01/01/03          0
    1602333                              O            12/01/32
    0

    8289291          286/286             F          333,000.00         ZZ
                                         360        331,717.40          1
                                       7.375          2,299.95         78
                                       7.125          2,299.95
    ROCKPORT         MA   01966          5            07/19/02         00
    1396403                              05           09/01/02          0
    1396403                              O            08/01/32
    0

    8289297          286/286             F          345,100.00         ZZ
                                         360        343,907.20          1
                                       6.625          2,209.72         79
                                       6.375          2,209.72
1

    THOUSAND OAKS    CA   91362          5            10/23/02         00
    1600960                              05           12/01/02          0
    1600960                              O            11/01/32
    0

    8289301          286/286             F           61,600.00         ZZ
                                         360         61,488.32          1
                                       6.500            389.36         80
                                       6.250            389.36
    ALBUQUERQUE      NM   87108          2            10/09/02         00
    1665093                              05           12/01/02          0
    1665093                              N            11/01/32
    0

    8289309          286/286             F          125,100.00         ZZ
                                         360        124,913.73          3
                                       7.500            874.72         90
                                       7.250            874.72
    BIDDEFORD        ME   04005          1            11/01/02         12
    1734540                              05           12/01/02         25
    1734540                              N            11/01/32
    0

    8289311          286/286             F          200,000.00         ZZ
                                         360        198,614.39          4
                                       7.000          1,330.61         80
                                       6.750          1,330.61
    PONTIAC          MI   48340          2            10/29/02         00
    1632671                              05           12/01/02          0
    1632671                              N            11/01/32
    0

    8289321          286/286             F          109,350.00         ZZ
                                         360        109,034.96          3
                                       7.750            783.40         90
                                       7.500            783.40
    PROVIDENCE       RI   02908          1            08/22/02         12
    1487208                              05           10/01/02         25
    1487208                              N            09/01/32
    0

    8289327          286/286             F          104,000.00         ZZ
                                         360        103,901.32          1
                                       6.250            640.35         80
                                       6.000            640.35
    PITTSBURGH       PA   15215          1            11/13/02         00
    1631892                              05           01/01/03          0
    1631892                              O            12/01/32
    0
1

    8289329          286/286             F          217,000.00         ZZ
                                         360        216,442.83          1
                                       6.875          1,425.54         78
                                       6.625          1,425.54
    SANTA FE         NM   87505          5            10/10/02         00
    1549888                              05           12/01/02          0
    1549888                              O            11/01/32
    0

    8289331          286/286             F          113,500.00         T
                                         360        113,299.15          1
                                       6.625            726.76         76
                                       6.375            726.76
    SONORA           CA   95370          2            10/22/02         00
    1503414                              05           12/01/02          0
    1503414                              O            11/01/32
    0

    8289333          286/286             F          140,000.00         ZZ
                                         360        139,764.07          1
                                       6.875            919.71         70
                                       6.625            919.71
    COMMERCE         MI   48390          1            10/25/02         00
    1680467                              01           12/01/02          0
    1680467                              O            11/01/32
    0

    8289335          286/286             F           90,000.00         ZZ
                                         360         89,926.22          1
                                       7.000            598.78         90
                                       6.750            598.78
    MACHESNEY PARK   IL   61115          1            11/07/02         12
    1708463                              05           01/01/03         25
    1708463                              N            12/01/32
    0

    8289339          286/286             F          300,000.00         ZZ
                                         360        299,429.20          1
                                       6.250          1,847.16         80
                                       6.000          1,847.16
    HOUSTON          TX   77057          1            10/30/02         00
    1710562                              03           12/01/02          0
    1710562                              O            11/01/32
    0

    8289341          286/286             F          121,500.00         ZZ
                                         360        121,300.22          4
1

                                       7.000            808.35         90
                                       6.750            808.35
    ALBUQUERQUE      NM   87123          1            10/30/02         21
    1730561                              05           12/01/02         25
    1730561                              N            11/01/32
    0

    8289345          286/286             F          211,500.00         ZZ
                                         360        211,068.09          1
                                       6.500          1,336.83         90
                                       6.250          1,336.83
    NEWTOWN          CT   06470          1            11/01/02         12
    1662862                              05           12/01/02         25
    1662862                              O            11/01/32
    0

    8289347          286/286             F          336,500.00         ZZ
                                         360        335,895.28          1
                                       6.625          2,154.65         52
                                       6.375          2,154.65
    SAN JOSE         CA   95124          2            10/21/02         00
    1576918                              05           12/01/02          0
    1576918                              O            11/01/32
    0

    8289351          286/286             F          112,000.00         ZZ
                                         360        111,908.19          1
                                       7.000            745.14         80
                                       6.750            745.14
    CORAOPOLIS       PA   15108          5            11/08/02         00
    1591155                              05           01/01/03          0
    1591155                              O            12/01/32
    0

    8289353          286/286             F          118,000.00         ZZ
                                         360        117,791.20          1
                                       6.625            755.57         80
                                       6.375            755.57
    WEST  YARMOUTH   MA   02673          2            10/16/02         00
    1598589                              05           12/01/02          0
    1598589                              O            11/01/32
    0

    8289359          286/286             F          130,400.00         ZZ
                                         360        130,157.77          1
                                       6.375            813.53         80
                                       6.125            813.53
    NORTH ANDOVER    MA   01845          1            10/30/02         00
    1694770                              01           12/01/02          0
1

    1694770                              O            11/01/32
    0

    8289365          286/286             F          100,000.00         ZZ
                                         360         99,909.60          1
                                       6.500            632.07         57
                                       6.250            632.07
    JOBSTOWN         NJ   08041          5            11/08/02         00
    1641109                              05           01/01/03          0
    1641109                              O            12/01/32
    0

    8289367          286/286             F          227,750.00         ZZ
                                         360        227,356.70          1
                                       6.750          1,477.19         80
                                       6.500          1,477.19
    VALLEY VILLAGE   CA   91607          5            10/18/02         00
    1596904                              01           12/01/02          0
    1596904                              O            11/01/32
    0

    8289493          286/286             F          340,000.00         ZZ
                                         360        339,427.08          1
                                       6.875          2,233.56         51
                                       6.625          2,233.56
    CASTRO VALLEY    CA   94552          2            10/03/02         00
    1344050                              03           12/01/02          0
    1344050                              O            11/01/32
    0

    8289611          286/286             F          183,200.00         ZZ
                                         360        183,060.60          4
                                       7.375          1,265.32         80
                                       7.125          1,265.32
    BRIDGEPORT       CT   06608          1            11/05/02         00
    1631710                              05           01/01/03          0
    1631710                              N            12/01/32
    0

    8289815          286/286             F           86,250.00         ZZ
                                         360         85,816.60          1
                                       6.625            552.27         75
                                       6.375            552.27
    BREMERTON        WA   98310          5            10/24/02         00
    1602988                              05           12/01/02          0
    1602988                              N            11/01/32
    0

1

    8289931          286/286             F          168,000.00         ZZ
                                         360        167,702.64          1
                                       6.625          1,075.73         80
                                       6.375          1,075.73
    BOULDER          CO   80302          1            10/21/02         00
    1705258                              01           12/01/02          0
    1705258                              N            11/01/32
    0

    8289933          286/286             F           76,500.00         ZZ
                                         360         76,383.22          3
                                       7.375            528.37         90
                                       7.125            528.37
    PITTSFIELD       MA   01201          1            10/30/02         12
    1601436                              05           12/01/02         25
    1601436                              N            11/01/32
    0

    8289935          286/286             F           57,600.00         ZZ
                                         360         57,512.07          2
                                       7.375            397.83         90
                                       7.125            397.83
    PITTSFIELD       MA   01201          1            10/30/02         12
    1601451                              05           12/01/02         25
    1601451                              N            11/01/32
    0

    8289943          286/286             F          131,250.00         ZZ
                                         360        130,993.28          1
                                       6.250            808.13         78
                                       6.000            808.13
    BURKE            VA   22015          5            10/24/02         00
    1647196                              03           12/01/02          0
    1647196                              O            11/01/32
    0

    8289947          286/286             F          134,900.00         ZZ
                                         360        134,699.13          1
                                       7.500            943.25         90
                                       7.250            943.25
    CINCINNATI       OH   45212          1            11/01/02         10
    1671738                              05           12/01/02         25
    1671738                              N            11/01/32
    0

    8289953          286/286             F          144,000.00         ZZ
                                         360        143,751.32          1
                                       6.750            933.99         90
                                       6.500            933.99
1

    TEMPE            AZ   85283          1            10/30/02         12
    1670519                              05           12/01/02         25
    1670519                              N            11/01/32
    0

    8289959          286/286             F          300,000.00         ZZ
                                         360        299,481.95          1
                                       6.750          1,945.80         62
                                       6.500          1,945.80
    ARCADIA          CA   91006          2            10/18/02         00
    1627817                              05           12/01/02          0
    1627817                              O            11/01/32
    0

    8289961          286/286             F          360,000.00         ZZ
                                         360        359,331.35          1
                                       6.375          2,245.94         60
                                       6.125          2,245.94
    WILTON           CT   06897          5            10/25/02         00
    1643109                              05           12/01/02          0
    1643109                              O            11/01/32
    0

    8289965          286/286             F           62,400.00         ZZ
                                         360         62,297.40          1
                                       7.000            415.15         80
                                       6.750            415.15
    MOUNTAINAIR      NM   87036          5            10/11/02         00
    1425872                              05           12/01/02          0
    1425872                              O            11/01/32
    0

    8289967          286/286             F           43,200.00         ZZ
                                         360         43,125.39          1
                                       6.750            280.20         90
                                       6.500            280.20
    FLORESVILLE      TX   78114          1            10/31/02         04
    1591422                              05           12/01/02         25
    1591422                              N            11/01/32
    0

    8289969          286/286             F          400,000.00         ZZ
                                         360        399,404.42          1
                                       7.500          2,796.86         87
                                       7.250          2,796.86
    SMITHTOWN        NY   11787          1            10/25/02         04
    1551193                              05           12/01/02         25
    1551193                              O            11/01/32
    0
1

    8289971          286/286             F          380,000.00         ZZ
                                         360        378,489.96          1
                                       6.375          2,370.71         80
                                       6.125          2,370.71
    JEFFERSON        NJ   07849          1            10/31/02         00
    1698431                              05           12/01/02          0
    1698431                              O            11/01/32
    0

    8289973          286/286             F          105,500.00         ZZ
                                         360        105,317.81          1
                                       6.750            684.28         79
                                       6.500            684.28
    ALBUQUERQUE      NM   87114          2            10/17/02         00
    1706839                              05           12/01/02          0
    1706839                              N            11/01/32
    0

    8289975          286/286             F          144,000.00         ZZ
                                         360        143,866.62          1
                                       6.375            898.38         80
                                       6.125            898.38
    RIVERVIEW        FL   33569          5            11/05/02         00
    1746671                              05           01/01/03          0
    1746671                              O            12/01/32
    0

    8289979          286/286             F          195,000.00         ZZ
                                         360        194,823.71          1
                                       6.500          1,232.54         60
                                       6.250          1,232.54
    WASHINGTON       DC   20003          5            11/06/02         00
    1404690                              05           01/01/03          0
    1404690                              O            12/01/32
    0

    8289989          286/286             F          102,400.00         ZZ
                                         360        102,227.44          1
                                       6.875            672.70         80
                                       6.625            672.70
    HOLLYWOOD        FL   33026          1            10/21/02         00
    1700463                              03           12/01/02          0
    1700463                              O            11/01/32
    0

    8289993          286/286             F          242,350.00         ZZ
                                         360        242,141.34          4
1

                                       6.750          1,571.88         80
                                       6.500          1,571.88
    CEDAR PARK       TX   78613          2            11/08/02         00
    1709734                              03           01/01/03          0
    1709734                              N            12/01/32
    0

    8289995          286/286             F          240,950.00         ZZ
                                         360        240,742.54          4
                                       6.750          1,562.80         79
                                       6.500          1,562.80
    CEDAR PARK       TX   78613          2            11/08/02         00
    1709754                              05           01/01/03          0
    1709754                              N            12/01/32
    0

    8289997          286/286             F          131,040.00         ZZ
                                         360        130,777.45          1
                                       6.500            828.27         80
                                       6.250            828.27
    PUYALLUP         WA   98375          1            10/21/02         00
    1649420                              05           12/01/02          0
    1649420                              O            11/01/32
    0

    8290001          286/286             F           80,000.00         ZZ
                                         360         79,931.12          1
                                       6.750            518.88         80
                                       6.500            518.88
    CAPITOL HEIGHTS  MD   27040          1            11/04/02         00
    1708870                              05           01/01/03          0
    1708870                              N            12/01/32
    0

    8290007          286/286             F          284,000.00         ZZ
                                         360        283,736.95          1
                                       6.375          1,771.80         80
                                       6.125          1,771.80
    COMMACK          NY   11725          1            11/13/02         00
    1677375                              05           01/01/03          0
    1677375                              N            12/01/32
    0

    8290009          286/286             F          144,400.00         ZZ
                                         360        144,131.16          1
                                       6.375            900.87         80
                                       6.125            900.87
    HAM LAKE         MN   55304          1            10/07/02         00
    1595764                              05           12/01/02          0
1

    1595764                              O            11/01/32
    0

    8290013          286/286             F           98,800.00         ZZ
                                         360         98,612.02          1
                                       6.250            608.33         80
                                       6.000            608.33
    REDMOND          OR   97756          5            10/30/02         00
    1738584                              05           12/01/02          0
    1738584                              O            11/01/32
    0

    8290017          286/286             F          125,100.00         ZZ
                                         360        124,883.97          1
                                       6.750            811.40         90
                                       6.500            811.40
    MERIDEN          CT   06451          1            10/25/02         12
    1580905                              05           12/01/02         25
    1580905                              O            11/01/32
    0

    8290025          286/286             F           50,400.00         ZZ
                                         360         50,315.06          1
                                       6.875            331.10         90
                                       6.625            331.10
    VIRGINIA BEACH   VA   23462          1            10/23/02         10
    1481331                              05           12/01/02         30
    1481331                              N            11/01/32
    0

    8290029          286/286             F           58,400.00         ZZ
                                         360         58,303.98          1
                                       7.000            388.54         80
                                       6.750            388.54
    HALLANDALE       FL   33009          1            10/23/02         00
    1688738                              01           12/01/02          0
    1688738                              O            11/01/32
    0

    8290039          286/286             F          135,000.00         ZZ
                                         360        134,595.46          3
                                       7.500            943.94         90
                                       7.250            943.94
    BRIDGEPORT       CT   06610          1            08/26/02         12
    1066371                              05           10/01/02         25
    1066371                              N            09/01/32
    0

1

    8290041          286/286             F          156,750.00         ZZ
                                         360        156,509.49          1
                                       7.500          1,096.02         95
                                       7.250          1,096.02
    BRIGHTON         MA   02135          1            10/28/02         12
    1705492                              01           12/01/02         30
    1705492                              O            11/01/32
    0

    8290045          286/286             F          128,000.00         ZZ
                                         360        127,767.94          1
                                       6.500            809.05         76
                                       6.250            809.05
    ALBUQUERQUE      NM   87104          5            10/25/02         00
    1645379                              03           12/01/02          0
    1645379                              O            11/01/32
    0

    8290049          286/286             F           90,000.00         ZZ
                                         360         89,736.28          1
                                       6.500            568.87         90
                                       6.250            568.87
    JOPLIN           MO   64801          5            10/25/02         11
    1693392                              05           12/01/02         30
    1693392                              O            11/01/32
    0

    8290053          286/286             F          155,250.00         ZZ
                                         360        155,119.56          3
                                       6.875          1,019.89         90
                                       6.625          1,019.89
    CHARLOTTESVILLE  VA   22903          1            11/06/02         10
    1449933                              05           01/01/03         25
    1449933                              N            12/01/32
    0

    8290133          286/286             F          134,900.00         ZZ
                                         360        134,683.60          1
                                       7.125            908.85         90
                                       6.875            908.85
    INDIANAPOLIS     IN   46256          1            10/31/02         12
    1709935                              05           12/01/02         30
    1709935                              N            11/01/32
    0

    8290135          286/286             F          150,000.00         ZZ
                                         360        149,511.65          1
                                       7.125          1,010.58         78
                                       6.875          1,010.58
1

    WESTBROOK        ME   04092          5            10/22/02         00
    1611041                              05           12/01/02          0
    1611041                              O            11/01/32
    0

    8290137          286/286             F          262,400.00         ZZ
                                         360        261,900.74          1
                                       6.250          1,615.65         80
                                       6.000          1,615.65
    FRIENDSWOOD      TX   77546          2            10/25/02         00
    1590614                              03           12/01/02          0
    1590614                              O            11/01/32
    0

    8290139          286/286             F          298,000.00         ZZ
                                         360        297,755.72          1
                                       7.000          1,982.61         79
                                       6.750          1,982.61
    WASHINGTON       DC   20001          2            11/09/02         00
    1585359                              05           01/01/03          0
    1585359                              N            12/01/32
    0

    8290145          286/286             F          292,000.00         ZZ
                                         360        291,495.77          4
                                       6.750          1,893.91         80
                                       6.500          1,893.91
    MIAMI            FL   33145          1            10/23/02         00
    1670149                              05           12/01/02          0
    1670149                              N            11/01/32
    0

    8290149          286/286             F          292,000.00         ZZ
                                         360        291,495.77          4
                                       6.750          1,893.91         80
                                       6.500          1,893.91
    MIAMI            FL   33145          1            10/23/02         00
    1670409                              05           12/01/02          0
    1670409                              N            11/01/32
    0

    8290155          286/286             F          378,000.00         ZZ
                                         360        377,682.43          1
                                       6.875          2,483.20         88
                                       6.625          2,483.20
    GAITHERSBURG     MD   20878          5            11/06/02         11
    1654298                              05           01/01/03         25
    1654298                              O            12/01/32
    0
1

    8290161          286/286             F           55,200.00         T
                                         360         55,045.80          1
                                       6.375            344.38         80
                                       6.125            344.38
    HOUSTON          TX   77058          1            09/27/02         00
    1637920                              01           11/01/02          0
    1637920                              O            10/01/32
    0

    8290167          286/286             F          310,000.00         ZZ
                                         360        309,424.23          1
                                       6.375          1,934.00         78
                                       6.125          1,934.00
    WESTON           CT   06883          1            10/10/02         00
    1494265                              05           12/01/02          0
    1494265                              O            11/01/32
    0

    8290169          286/286             F          500,000.00         ZZ
                                         360        499,071.34          1
                                       6.375          3,119.35         56
                                       6.125          3,119.35
    FAIRFIELD        CT   06490          2            10/25/02         00
    1587599                              05           12/01/02          0
    1587599                              O            11/01/32
    0

    8290173          286/286             F          156,450.00         ZZ
                                         360        156,318.56          1
                                       6.875          1,027.77         80
                                       6.625          1,027.77
    YUCAIPA          CA   92399          1            10/30/02         00
    1411803                              03           01/01/03          0
    1411803                              O            12/01/32
    0

    8290177          286/286             F          198,000.00         ZZ
                                         360        197,829.52          1
                                       6.750          1,284.23         80
                                       6.500          1,284.23
    GUADALUPE        CA   93434          1            11/18/02         00
    1617955                              05           01/01/03          0
    1617955                              N            12/01/32
    0

    8290179          286/286             F           73,600.00         T
                                         360         73,330.23          1
1

                                       7.625            520.94         80
                                       7.375            520.94
    SOUTH PADRE      TX   78597          2            07/31/02         00
    1408661                              01           09/01/02          0
    1408661                              O            08/01/32
    0

    8290181          286/286             F          197,500.00         ZZ
                                         360        197,317.07          1
                                       6.375          1,232.15         80
                                       6.125          1,232.15
    LUTZ             FL   33558          5            11/13/02         00
    1761545                              03           01/01/03          0
    1761545                              O            12/01/32
    0

    8290183          286/286             F          176,000.00         ZZ
                                         360        175,836.98          1
                                       6.375          1,098.02         80
                                       6.125          1,098.02
    ROCKLIN          CA   95677          5            11/06/02         00
    1687336                              05           01/01/03          0
    1687336                              O            12/01/32
    0

    8290185          286/286             F          359,000.00         ZZ
                                         360        358,675.45          1
                                       6.500          2,269.13         80
                                       6.250          2,269.13
    WOODBRIDGE       CA   95258          5            11/04/02         00
    1714363                              05           01/01/03          0
    1714363                              O            12/01/32
    0

    8290187          286/286             F           93,600.00         ZZ
                                         360         93,513.30          1
                                       6.375            583.92         80
                                       6.125            583.92
    PARADISE         CA   95969          1            11/02/02         00
    1720521                              05           01/01/03          0
    1720521                              N            12/01/32
    0

    8290189          286/286             F          160,000.00         ZZ
                                         360        159,709.93          1
                                       6.500          1,011.31         80
                                       6.250          1,011.31
    GLENDALE HEIGHT  IL   60139          5            10/30/02         00
    1624159                              05           12/01/02          0
1

    1624159                              O            11/01/32
    0

    8290191          286/286             F          325,600.00         ZZ
                                         360        325,037.74          1
                                       6.750          2,111.84         80
                                       6.500          2,111.84
    SAVAGE           MN   55378          5            10/30/02         00
    1683947                              05           12/01/02          0
    1683947                              O            11/01/32
    0

    8290199          286/286             F          310,000.00         ZZ
                                         360        309,214.20          1
                                       6.875          2,036.48         89
                                       6.625          2,036.48
    PLYMOUTH         MA   02360          1            10/03/02         11
    1262475                              05           11/01/02         25
    1262475                              O            10/01/32
    0

    8290201          286/286             F           67,050.00         ZZ
                                         360         66,993.66          1
                                       6.875            440.48         90
                                       6.625            440.48
    TAYLORS          SC   29687          1            11/12/02         12
    1437864                              05           01/01/03         25
    1437864                              N            12/01/32
    0

    8290203          286/286             F           47,700.00         ZZ
                                         360         47,652.91          1
                                       6.500            301.50         90
                                       6.250            301.50
    INDIANAPOLIS     IN   46201          1            11/04/02         10
    1682515                              05           01/01/03         25
    1682515                              N            12/01/32
    0

    8290207          286/286             F          102,400.00         ZZ
                                         360        102,223.16          1
                                       6.750            664.17         80
                                       6.500            664.17
    SHELBYVILLE      IN   46176          2            10/25/02         00
    1543753                              05           12/01/02          0
    1543753                              O            11/01/32
    0

1

    8290213          286/286             F          256,500.00         ZZ
                                         360        256,057.06          3
                                       6.750          1,663.66         90
                                       6.500          1,663.66
    SHELTON          CT   06484          1            10/31/02         12
    1608153                              05           12/01/02         25
    1608153                              N            11/01/32
    0

    8290219          286/286             F          114,720.00         ZZ
                                         360        114,526.69          1
                                       6.875            753.63         80
                                       6.625            753.63
    ABINGDON         MD   21009          1            10/30/02         00
    1726414                              03           12/01/02          0
    1726414                              O            11/01/32
    0

    8290225          286/286             F          189,550.00         ZZ
                                         360        189,045.51          1
                                       6.625          1,213.71         85
                                       6.375          1,213.71
    HAMILTON TWP     NJ   08619          5            09/26/02         12
    1516143                              05           11/01/02         12
    1516143                              O            10/01/32
    0

    8290229          286/286             F          400,000.00         ZZ
                                         360        399,325.97          1
                                       6.875          2,627.72         88
                                       6.625          2,627.72
    TOMS RIVER       NJ   08755          5            10/23/02         12
    1632812                              05           12/01/02         25
    1632812                              O            11/01/32
    0

    8290239          286/286             F          335,000.00         ZZ
                                         360        334,392.66          1
                                       6.500          2,117.43         82
                                       6.250          2,117.43
    FOREST HILL      MD   21050          5            10/11/02         10
    1624767                              03           12/01/02         12
    1624767                              O            11/01/32
    0

    8290253          286/286             F          136,000.00         ZZ
                                         360        135,720.79          1
                                       6.750            882.10         80
                                       6.500            882.10
1

    UPPER MARLBORO   MD   20772          1            11/04/02         00
    1564319                              03           12/01/02          0
    1564319                              O            11/01/32
    0

    8290269          286/286             F           85,500.00         ZZ
                                         360         85,436.55          1
                                       7.500            597.83         90
                                       7.250            597.83
    TALLAHASSEE      FL   32301          1            11/01/02         11
    1739789                              05           01/01/03         25
    1739789                              N            12/01/32
    0

    8290277          286/286             F           85,500.00         ZZ
                                         360         85,436.55          1
                                       7.500            597.83         90
                                       7.250            597.83
    TALLAHASSEE      FL   32301          1            11/01/02         10
    1739790                              05           01/01/03         25
    1739790                              N            12/01/32
    0

    8290281          286/286             F           85,500.00         ZZ
                                         360         85,436.55          1
                                       7.500            597.83         90
                                       7.250            597.83
    TALLAHASSEE      FL   32301          1            11/01/02         10
    1739792                              05           01/01/03         25
    1739792                              N            12/01/32
    0

    8290287          286/286             F           79,200.00         T
                                         360         79,066.54          1
                                       6.875            520.29         80
                                       6.625            520.29
    MONTGOMERY CENT  VT   05471          1            11/01/02         00
    1720748                              03           12/01/02          0
    1720748                              O            11/01/32
    0

    8290291          286/286             F          105,600.00         ZZ
                                         360        105,502.19          1
                                       6.375            658.81         80
                                       6.125            658.81
    LEBANON          PA   17042          1            11/12/02         00
    1663099                              05           01/01/03          0
    1663099                              O            12/01/32
    0
1

    8290309          286/286             F          410,000.00         ZZ
                                         360        409,219.91          1
                                       6.250          2,524.45         50
                                       6.000          2,524.45
    EASTON           CT   06612          2            10/25/02         00
    1642848                              05           12/01/02          0
    1642848                              O            11/01/32
    0

    8290317          286/286             F          224,910.00         ZZ
                                         360        224,531.01          1
                                       6.875          1,477.50         90
                                       6.625          1,477.50
    MIRAMAR          FL   33027          1            10/28/02         21
    1680457                              03           12/01/02         25
    1680457                              O            11/01/32
    0

    8290321          286/286             F           42,000.00         ZZ
                                         360         41,930.94          1
                                       7.000            279.43         64
                                       6.750            279.43
    HIALEAH          FL   33012          1            10/09/02         00
    1652094                              01           12/01/02          0
    1652094                              O            11/01/32
    0

    8290325          286/286             F           89,900.00         ZZ
                                         360         89,630.60          3
                                       7.500            628.60         90
                                       7.250            628.60
    WATERBURY        CT   06710          1            08/22/02         12
    910727                               05           10/01/02         25
    910727                               N            09/01/32
    0

    8290329          286/286             F          760,000.00         ZZ
                                         360        758,622.18          1
                                       6.500          4,803.72         44
                                       6.250          4,803.72
    WESTPORT         CT   06880          2            10/23/02         00
    1595317                              05           12/01/02          0
    1595317                              O            11/01/32
    0

    8290341          286/286             F          126,400.00         ZZ
                                         360        126,007.14          1
1

                                       6.375            788.58         80
                                       6.125            788.58
    ALBUQUERQUE      NM   87120          1            10/29/02         00
    1651191                              05           12/01/02          0
    1651191                              O            11/01/32
    0

    8290351          286/286             F           99,000.00         ZZ
                                         359         98,069.50          1
                                       7.625            701.22         90
                                       7.375            701.22
    WASHINGTON       DC   20032          1            09/05/02         21
    1537807                              05           11/01/02         25
    1537807                              N            09/01/32
    0

    8290357          286/286             F          473,200.00         ZZ
                                         360        472,421.96          1
                                       7.000          3,148.22         55
                                       6.750          3,148.22
    DENVER           CO   80218          2            10/16/02         00
    1576018                              05           12/01/02          0
    1576018                              O            11/01/32
    0

    8290361          286/286             F          336,000.00         ZZ
                                         360        335,237.94          1
                                       6.500          2,123.75         80
                                       6.250          2,123.75
    LAKEVILLE        MN   55044          5            10/24/02         00
    1655667                              05           12/01/02          0
    1655667                              O            11/01/32
    0

    8290365          286/286             F          375,000.00         ZZ
                                         360        374,660.99          1
                                       6.500          2,370.26         69
                                       6.250          2,370.26
    HILLMAN          MI   49746          5            11/06/02         00
    1653431                              05           01/01/03          0
    1653431                              O            12/01/32
    0

    8290369          286/286             F          190,400.00         ZZ
                                         360        190,063.09          1
                                       6.625          1,219.16         80
                                       6.375          1,219.16
    CHESAPEAKE       VA   23320          2            10/31/02         00
    1620847                              05           12/01/02          0
1

    1620847                              O            11/01/32
    0

    8290373          286/286             F           40,050.00         ZZ
                                         360         39,984.13          1
                                       7.000            266.46         90
                                       6.750            266.46
    SELLERSBURG      IN   47172          1            10/31/02         12
    1682276                              05           12/01/02         25
    1682276                              N            11/01/32
    0

    8290377          E47/G02             F           64,000.00         ZZ
                                         360         63,940.72          1
                                       6.375            399.28         95
                                       6.125            399.28
    HOCKLEY          TX   77447          1            12/05/02         11
    0435157169                           09           01/01/03         30
    7323011672                           O            12/01/32
    0

    8290379          286/286             F          110,000.00         ZZ
                                         360        109,893.08          1
                                       6.125            668.38         75
                                       5.875            668.38
    TAYLORS          SC   29687          2            11/08/02         00
    1642068                              05           01/01/03          0
    1642068                              O            12/01/32
    0

    8290451          286/286             F          356,000.00         ZZ
                                         360        355,329.97          1
                                       6.625          2,279.51         80
                                       6.375          2,279.51
    SHELTON          WA   98584          2            10/08/02         00
    1592190                              05           12/01/02          0
    1592190                              O            11/01/32
    0

    8290457          286/286             F           60,800.00         ZZ
                                         360         60,689.77          1
                                       6.500            384.30         80
                                       6.250            384.30
    GAINESVILLE      FL   32609          1            10/08/02         00
    1596259                              05           12/01/02          0
    1596259                              N            11/01/32
    0

1

    8290461          286/286             F          149,000.00         ZZ
                                         360        148,883.76          1
                                       7.250          1,016.45         72
                                       7.000          1,016.45
    SOUTH PORTLAND   ME   04106          5            11/04/02         00
    1630640                              05           01/01/03          0
    1630640                              O            12/01/32
    0

    8290465          286/286             F          520,000.00         ZZ
                                         360        519,034.18          2
                                       6.375          3,244.13         80
                                       6.125          3,244.13
    SAN FRANCISCO    CA   94110          2            10/15/02         00
    1648151                              05           12/01/02          0
    1648151                              O            11/01/32
    0

    8290469          286/286             F           89,900.00         ZZ
                                         360         89,766.14          2
                                       7.500            628.60         90
                                       7.250            628.60
    SPRINGFIELD      MA   01104          1            10/31/02         11
    1672381                              05           12/01/02         25
    1672381                              N            11/01/32
    0

    8291613          T44/G02             F          140,000.00         ZZ
                                         360        139,769.83          1
                                       7.000            931.42         78
                                       6.750            931.42
    BRISTOL          RI   02809          5            10/31/02         00
    0435114632                           05           12/01/02          0
    1055394                              O            11/01/32
    0

    8292131          E82/G02             F          100,000.00         ZZ
                                         360         99,909.60          1
                                       6.500            632.07         66
                                       6.250            632.07
    SUISUN CITY      CA   94585          2            11/19/02         00
    0400723672                           05           01/01/03          0
    3950966                              N            12/01/32
    0

    8292135          E82/G02             F          129,600.00         ZZ
                                         360        129,600.00          2
                                       6.500            819.16         80
                                       6.250            819.16
1

    MURRELLS INLET   SC   29576          2            12/13/02         00
    0400738407                           05           02/01/03          0
    5319204                              O            01/01/33
    0

    8292143          E82/G02             F          156,400.00         ZZ
                                         360        156,400.00          1
                                       6.750          1,014.41         90
                                       6.500          1,014.41
    STANFORD         KY   40484          2            12/12/02         10
    0400738142                           05           02/01/03         25
    4768967                              O            01/01/33
    0

    8292151          E82/G02             F          311,350.00         ZZ
                                         360        311,350.00          4
                                       7.000          2,071.42         72
                                       6.750          2,071.42
    BURBANK          CA   91505          2            12/12/02         00
    0400732251                           05           02/01/03          0
    4590391                              N            01/01/33
    0

    8292159          E82/G02             F           59,350.00         ZZ
                                         360         59,350.00          1
                                       6.375            370.27         80
                                       6.125            370.27
    ALBUQUERQUE      NM   87121          2            12/13/02         00
    0400729265                           03           02/01/03          0
    1648982                              N            01/01/33
    0

    8292185          E82/G02             F          119,950.00         ZZ
                                         360        119,950.00          4
                                       6.875            787.99         80
                                       6.625            787.99
    CHESAPEAKE       VA   23324          2            12/12/02         00
    0400686838                           05           02/01/03          0
    0400686838                           O            01/01/33
    0

    8292227          E82/G02             F          404,000.00         ZZ
                                         360        404,000.00          1
                                       6.625          2,586.86         76
                                       6.375          2,586.86
    WAILUKU          HI   96793          2            12/12/02         00
    0400748497                           05           02/01/03          0
    6075572                              O            01/01/33
    0
1

    8292229          E82/G02             F          161,000.00         ZZ
                                         360        161,000.00          3
                                       6.500          1,017.63         77
                                       6.250          1,017.63
    IRVINGTON        NJ   07111          2            12/11/02         00
    0400727442                           05           02/01/03          0
    0400727442                           O            01/01/33
    0

    8292335          X51/G02             F          382,000.00         ZZ
                                         360        382,000.00          1
                                       6.250          2,352.04         73
                                       6.000          2,352.04
    SANTA ROSA       CA   95405          5            12/07/02         00
    0435165352                           05           02/01/03          0
    R2053951                             O            01/01/33
    0

    8292385          E22/G02             F          140,000.00         ZZ
                                         360        140,000.00          1
                                       6.500            884.90         52
                                       6.250            884.90
    UNIONDALE        NY   11553          5            12/10/02         00
    0415464080                           05           02/01/03          0
    0415464080                           O            01/01/33
    0

    8292395          E22/G02             F          191,250.00         ZZ
                                         360        191,250.00          3
                                       6.750          1,240.44         75
                                       6.500          1,240.44
    VISALIA          CA   93291          1            12/10/02         00
    0415479062                           05           02/01/03          0
    0415479062                           N            01/01/33
    0

    8292403          E22/G02             F          270,000.00         ZZ
                                         360        270,000.00          1
                                       6.750          1,751.21         80
                                       6.500          1,751.21
    HOUSTON          TX   77006          2            12/16/02         00
    0415489608                           05           02/01/03          0
    0415489608                           N            01/01/33
    0

    8292407          E22/G02             F          336,000.00         ZZ
                                         360        336,000.00          1
1

                                       6.375          2,096.20         80
                                       6.125          2,096.20
    CONCORD          CA   94521          5            12/05/02         00
    0415493725                           05           02/01/03          0
    0415493725                           O            01/01/33
    0

    8292425          E22/G02             F          171,000.00         ZZ
                                         360        171,000.00          1
                                       6.500          1,080.84         72
                                       6.250          1,080.84
    HOUSTON          TX   77008          5            12/10/02         00
    0415584523                           05           02/01/03          0
    0415584523                           O            01/01/33
    0

    8292441          E22/G02             F          134,000.00         ZZ
                                         360        134,000.00          1
                                       6.125            814.20         78
                                       5.875            814.20
    ROYAL PALM BEAC  FL   33411          5            12/11/02         00
    0415594977                           05           02/01/03          0
    0415594977                           O            01/01/33
    0

    8292445          E22/G02             F          218,000.00         ZZ
                                         360        218,000.00          1
                                       6.500          1,377.91         65
                                       6.250          1,377.91
    PEMBROKE PINES   FL   33028          5            12/09/02         00
    0415597517                           03           02/01/03          0
    0415597517                           O            01/01/33
    0

    8292447          E22/G02             F          370,000.00         ZZ
                                         360        370,000.00          1
                                       6.750          2,399.81         68
                                       6.500          2,399.81
    GLEN ELLYN       IL   60137          5            12/11/02         00
    0415599547                           05           02/01/03          0
    0415599547                           O            01/01/33
    0

    8292449          E22/G02             F          115,900.00         ZZ
                                         360        115,900.00          1
                                       6.625            742.12         95
                                       6.375            742.12
    LANSDOWNE        MD   21227          5            12/10/02         04
    0415602929                           07           02/01/03         30
1

    0415602929                           O            01/01/33
    0

    8292453          E22/G02             F          143,200.00         T
                                         360        143,200.00          1
                                       6.500            905.12         80
                                       6.250            905.12
    MIDWAY CITY      CA   92655          1            12/11/02         00
    0415605666                           01           02/01/03          0
    0415605666                           O            01/01/33
    0

    8292457          E22/G02             F           65,550.00         ZZ
                                         360         65,550.00          1
                                       6.625            419.72         95
                                       6.375            419.72
    FLORENCE         AL   35630          1            12/16/02         04
    0415609239                           05           02/01/03         30
    0415609239                           O            01/01/33
    0

    8292459          E22/G02             F          131,000.00         ZZ
                                         360        131,000.00          1
                                       6.875            860.58         74
                                       6.625            860.58
    PUEBLO           CO   81007          2            12/16/02         00
    0415609445                           05           02/01/03          0
    0415609445                           N            01/01/33
    0

    8292463          E22/G02             F          193,500.00         ZZ
                                         360        193,500.00          1
                                       6.375          1,207.19         66
                                       6.125          1,207.19
    CONCORD          CA   94521          1            12/12/02         00
    0415613116                           09           02/01/03          0
    0415613116                           N            01/01/33
    0

    8292465          E22/G02             F          260,000.00         ZZ
                                         360        260,000.00          1
                                       6.375          1,622.06         75
                                       6.125          1,622.06
    MORGAN HILL      CA   95037          5            12/10/02         00
    0415613991                           01           02/01/03          0
    0415613991                           O            01/01/33
    0

1

    8292479          E22/G02             F          163,000.00         ZZ
                                         360        163,000.00          1
                                       6.500          1,030.27         75
                                       6.250          1,030.27
    BAY SHORE        NY   11706          5            12/10/02         00
    0415637792                           05           02/01/03          0
    0415637792                           O            01/01/33
    0

    8292489          E22/G02             F          107,950.00         ZZ
                                         360        107,950.00          1
                                       6.500            682.32         85
                                       6.250            682.32
    COLORADO SPRING  CO   80907          2            12/11/02         04
    0415655588                           05           02/01/03         20
    0415655588                           O            01/01/33
    0

    8292513          E22/G02             F          279,000.00         ZZ
                                         360        279,000.00          4
                                       6.125          1,695.23         80
                                       5.875          1,695.23
    BAYONNE          NJ   07002          5            12/10/02         00
    0415510650                           05           02/01/03          0
    0415510650                           O            01/01/33
    0

    8292537          E22/G02             F          243,000.00         ZZ
                                         360        243,000.00          1
                                       6.375          1,516.00         56
                                       6.125          1,516.00
    YORBA LINDA      CA   92886          5            12/11/02         00
    0415531870                           05           02/01/03          0
    0415531870                           O            01/01/33
    0

    8292543          E22/G02             F          128,000.00         ZZ
                                         360        128,000.00          1
                                       6.500            809.05         80
                                       6.250            809.05
    BOCA RATON       FL   33487          1            12/16/02         00
    0415538917                           09           02/01/03          0
    0415538917                           O            01/01/33
    0

    8292547          E22/G02             F          203,000.00         ZZ
                                         360        203,000.00          1
                                       6.125          1,233.45         80
                                       5.875          1,233.45
1

    PATCHOGUE        NY   11772          5            12/11/02         00
    0415540368                           05           02/01/03          0
    0415540368                           O            01/01/33
    0

    8292557          E22/G02             F          214,650.00         ZZ
                                         360        214,650.00          1
                                       6.500          1,356.73         80
                                       6.250          1,356.73
    JENSEN BEACH     FL   34957          1            12/16/02         00
    0415548056                           03           02/01/03          0
    0415548056                           O            01/01/33
    0

    8292565          E22/G02             F          164,000.00         ZZ
                                         360        164,000.00          1
                                       7.000          1,091.10         80
                                       6.750          1,091.10
    PLANO            TX   75023          5            12/11/02         00
    0415561760                           05           02/01/03          0
    0415561760                           O            01/01/33
    0

    8292569          E22/G02             F           79,900.00         ZZ
                                         360         79,900.00          1
                                       6.500            505.02         85
                                       6.250            505.02
    ORLANDO          FL   32826          5            12/10/02         10
    0415565183                           05           02/01/03         12
    0415565183                           O            01/01/33
    0

    8292581          E22/G02             F          168,000.00         ZZ
                                         360        168,000.00          1
                                       5.750            980.40         80
                                       5.500            980.40
    PEMBROKE PINES   FL   33028          5            12/05/02         00
    0415573112                           03           02/01/03          0
    0415573112                           O            01/01/33
    0

    8292595          E22/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.375          1,247.74         67
                                       6.125          1,247.74
    LEANDER          TX   78641          5            12/11/02         00
    0415200054                           05           02/01/03          0
    0415200054                           O            01/01/33
    0
1

    8292599          E22/G02             F           57,500.00         ZZ
                                         360         57,458.38          1
                                       7.625            406.98         88
                                       7.375            406.98
    AUGUSTA          GA   30906          2            11/19/02         10
    0415220094                           05           01/01/03         25
    0415220094                           N            12/01/32
    0

    8292609          E22/G02             F          392,000.00         ZZ
                                         360        392,000.00          1
                                       6.500          2,477.71         80
                                       6.250          2,477.71
    SAN JOSE         CA   95118          5            12/10/02         00
    0415245083                           05           02/01/03          0
    0415245083                           O            01/01/33
    0

    8292611          E22/G02             F          188,000.00         ZZ
                                         360        188,000.00          1
                                       6.625          1,203.78         80
                                       6.375          1,203.78
    HOLLYWOOD        FL   33020          2            12/10/02         00
    0415256528                           05           02/01/03          0
    0415256528                           O            01/01/33
    0

    8292617          E22/G02             F          272,700.00         ZZ
                                         360        272,700.00          1
                                       6.250          1,679.06         46
                                       6.000          1,679.06
    DALLAS           TX   75225          5            12/09/02         00
    0415267038                           05           02/01/03          0
    0415267038                           O            01/01/33
    0

    8292621          E22/G02             F          189,050.00         ZZ
                                         360        189,050.00          1
                                       6.500          1,194.92         95
                                       6.250          1,194.92
    SACO             ME   04072          5            12/04/02         01
    0415284447                           05           02/01/03         30
    0415284447                           O            01/01/33
    0

    8292627          E22/G02             F          206,150.00         ZZ
                                         360        206,150.00          1
1

                                       7.875          1,494.73         95
                                       7.625          1,494.73
    PUEBLO           CO   81005          5            12/11/02         10
    0415285014                           05           02/01/03         30
    0415285014                           O            01/01/33
    0

    8292637          E22/G02             F           90,000.00         ZZ
                                         360         90,000.00          4
                                       7.000            598.77         90
                                       6.750            598.77
    LEWISTON         ID   83501          1            12/10/02         04
    0415334382                           05           02/01/03         25
    0415334382                           N            01/01/33
    0

    8292661          E22/G02             F          106,000.00         ZZ
                                         360        106,000.00          1
                                       6.250            652.66         49
                                       6.000            652.66
    KALISPELL        MT   59901          2            12/11/02         00
    0415359629                           05           02/01/03          0
    0415359629                           O            01/01/33
    0

    8292669          E22/G02             F          256,000.00         ZZ
                                         360        256,000.00          1
                                       6.375          1,597.11         80
                                       6.125          1,597.11
    NORCO            CA   92860          5            12/03/02         00
    0415380310                           05           02/01/03          0
    0415380310                           O            01/01/33
    0

    8292701          E22/G02             F          161,400.00         ZZ
                                         360        161,400.00          1
                                       7.125          1,087.38         95
                                       6.875          1,087.38
    CLINTON TWP      MI   48038          1            12/16/02         04
    0415427905                           05           02/01/03         30
    0415427905                           O            01/01/33
    0

    8292709          E22/G02             F          420,000.00         ZZ
                                         360        420,000.00          1
                                       6.250          2,586.01         73
                                       6.000          2,586.01
    SAN JOSE         CA   95124          5            12/04/02         00
    0415431477                           05           02/01/03          0
1

    0415431477                           O            01/01/33
    0

    8292713          E45/G02             F          424,000.00         ZZ
                                         360        423,652.45          1
                                       7.000          2,820.88         80
                                       6.750          2,820.88
    SAN CLEMENTE     CA   92673          5            11/15/02         00
    0435110754                           03           01/01/03          0
    316706                               O            12/01/32
    0

    8292737          E22/G02             F          185,000.00         ZZ
                                         360        185,000.00          1
                                       7.000          1,230.81         93
                                       6.750          1,230.81
    SALT LAKE CITY   UT   84103          5            12/10/02         10
    0414699843                           05           02/01/03         30
    0414699843                           O            01/01/33
    0

    8292757          E22/G02             F          535,000.00         ZZ
                                         360        535,000.00          1
                                       6.375          3,337.71         60
                                       6.125          3,337.71
    ROCHESTER HILLS  MI   48306          2            12/11/02         00
    0415144591                           05           02/01/03          0
    0415144591                           O            01/01/33
    0

    8292773          975/G02             F          368,000.00         ZZ
                                         360        368,000.00          1
                                       6.500          2,326.01         80
                                       6.250          2,326.01
    FULLERTON        CA   92833          1            12/05/02         00
    0435112958                           05           02/01/03          0
    2025518                              O            01/01/33
    0

    8292777          975/G02             F          375,500.00         ZZ
                                         360        375,500.00          1
                                       6.375          2,342.63         77
                                       6.125          2,342.63
    MONTEREY PARK    CA   91754          5            12/02/02         00
    0435113071                           05           02/01/03          0
    2024700                              O            01/01/33
    0

1

    8292781          G34/G02             F          290,000.00         ZZ
                                         360        289,731.41          1
                                       6.375          1,809.22         73
                                       6.125          1,809.22
    SAN JOSE         CA   95127          2            11/20/02         00
    0435122825                           05           01/01/03          0
    48200973                             O            12/01/32
    0

    8292813          975/G02             F          130,500.00         ZZ
                                         360        130,500.00          1
                                       6.375            814.15         51
                                       6.125            814.15
    SANTA ANA        CA   92704          5            12/02/02         00
    0435112925                           05           02/01/03          0
    2024904                              O            01/01/33
    0

    8292821          E45/G02             F           68,500.00         T
                                         360         68,442.45          1
                                       6.875            450.00         54
                                       6.625            450.00
    PALM BAY         FL   32907          2            11/22/02         00
    0435119821                           05           01/01/03          0
    310570                               O            12/01/32
    0

    8292879          950/G02             F          207,200.00         ZZ
                                         360        207,200.00          1
                                       6.250          1,275.77         80
                                       6.000          1,275.77
    BELLEVUE         WA   98006          1            12/05/02         00
    0435130216                           05           02/01/03          0
    E4211024                             O            01/01/33
    0

    8292881          E45/G02             F          138,000.00         ZZ
                                         360        137,875.25          1
                                       6.500            872.25         79
                                       6.250            872.25
    CLEARWATER       FL   33764          2            11/19/02         00
    0435110770                           05           01/01/03          0
    309201                               O            12/01/32
    0

    8292935          E45/G02             F          190,000.00         ZZ
                                         360        189,828.24          1
                                       6.500          1,200.93         80
                                       6.250          1,200.93
1

    GARDEN GROVE     CA   92643          5            11/15/02         00
    0435120076                           01           01/01/03          0
    300758                               O            12/01/32
    0

    8292941          W53/G02             F          450,000.00         ZZ
                                         360        449,562.63          1
                                       6.125          2,734.25         75
                                       5.875          2,734.25
    IRVINE           CA   92604          5            11/15/02         00
    0435094552                           03           01/01/03          0
    1701100093                           O            12/01/32
    0

    8293193          K15/G02             F          236,800.00         ZZ
                                         360        236,800.00          2
                                       6.125          1,438.82         80
                                       5.875          1,438.82
    HUDSON           NH   03051          5            12/10/02         00
    0435122262                           05           02/01/03          0
    033105507481                         O            01/01/33
    0

    8293239          K15/G02             F           74,800.00         ZZ
                                         360         74,800.00          1
                                       7.375            516.63         36
                                       7.125            516.63
    MINNEAPOLIS      MN   55409          2            12/10/02         00
    0435118112                           05           02/01/03          0
    013205506950                         O            01/01/33
    0

    8293293          K15/G02             F          115,100.00         ZZ
                                         360        115,100.00          1
                                       6.625            737.00         80
                                       6.375            737.00
    WINDHAM          ME   04062          5            12/06/02         00
    0435116140                           05           02/01/03          0
    007705506846                         O            01/01/33
    0

    8293297          K15/G02             F          302,600.00         ZZ
                                         360        302,600.00          3
                                       6.750          1,962.66         85
                                       6.500          1,962.66
    BROCKTON         MA   02301          5            12/09/02         41
    0435116835                           05           02/01/03         12
    024005506434                         O            01/01/33
    0
1

    8293451          N74/G02             F          133,000.00         ZZ
                                         360        133,000.00          1
                                       7.125            896.05         95
                                       6.875            896.05
    WILLOW SPRING    NC   27592          2            12/12/02         10
    0435135322                           05           02/01/03         30
    0031325010                           O            01/01/33
    0

    8293751          X64/G02             F           80,000.00         ZZ
                                         360         80,000.00          1
                                       7.250            545.74         80
                                       7.000            545.74
    TAYLOR           MI   48180          5            12/09/02         00
    0435121207                           05           02/01/03          0
    0000000733                           O            01/01/33
    0

    8293753          P29/G02             F           64,800.00         ZZ
                                         360         64,800.00          1
                                       7.625            458.65         90
                                       7.375            458.65
    FARGO            ND   58102          1            12/12/02         02
    0435122718                           05           02/01/03         25
    10346998                             N            01/01/33
    0

    8293757          U05/G02             F           57,600.00         ZZ
                                         240         57,600.00          2
                                       6.750            437.97         80
                                       6.500            437.97
    PHILADELPHIA     PA   19136          2            12/04/02         00
    0435155791                           07           02/01/03          0
    3278261                              N            01/01/23
    0

    8293835          Q14/G02             F           55,000.00         ZZ
                                         360         55,000.00          1
                                       6.500            347.64         69
                                       6.250            347.64
    BUFFALO          IA   52728          5            12/10/02         00
    0435111885                           05           02/01/03          0
    0000210394                           O            01/01/33
    0

    8293845          K15/G02             F           89,000.00         ZZ
                                         360         89,000.00          1
1

                                       7.750            637.61         94
                                       7.500            637.61
    HUBBARD          OH   44425          5            12/10/02         41
    0435121975                           05           02/01/03         30
    036905504729                         O            01/01/33
    0

    8293907          575/G02             F          380,000.00         ZZ
                                         360        379,656.47          1
                                       6.500          2,401.86         78
                                       6.250          2,401.86
    EDGEWATER        MD   21037          5            11/22/02         00
    0435129762                           05           01/01/03          0
    0012254496                           O            12/01/32
    0

    8293909          K15/G02             F           88,600.00         ZZ
                                         360         88,600.00          1
                                       6.750            574.66         80
                                       6.500            574.66
    LANSING          MI   48906          5            12/10/02         00
    0435117536                           05           02/01/03          0
    036305506509                         O            01/01/33
    0

    8294013          U05/G02             F          205,500.00         ZZ
                                         360        205,323.07          1
                                       6.750          1,332.87         75
                                       6.500          1,332.87
    UPLAND           CA   91786          5            11/18/02         00
    0435124144                           05           01/01/03          0
    3281447                              O            12/01/32
    0

    8294037          U05/G02             F          257,400.00         ZZ
                                         360        257,400.00          1
                                       6.500          1,626.94         90
                                       6.250          1,626.94
    SAN JOSE         CA   95148          1            12/02/02         14
    0435156054                           09           02/01/03         25
    3270218                              N            01/01/33
    0

    8294043          A06/G02             F          319,500.00         ZZ
                                         360        319,500.00          1
                                       6.500          2,019.46         90
                                       6.250          2,019.46
    HIGHLAND         MI   48356          5            12/06/02         11
    0435127683                           05           02/01/03         25
1

    035000020230963                      O            01/01/33
    0

    8294051          U05/G02             F           76,500.00         ZZ
                                         240         76,500.00          2
                                       6.750            581.68         77
                                       6.500            581.68
    PHILADELPHIA     PA   19149          2            12/04/02         00
    0435127741                           07           02/01/03          0
    3278262                              N            01/01/23
    0

    8294093          G34/G02             F          281,000.00         ZZ
                                         360        280,769.67          4
                                       7.000          1,869.50         90
                                       6.750          1,869.50
    ONTARIO          CA   91764          1            11/22/02         02
    0435154893                           05           01/01/03         25
    41000585                             N            12/01/32
    0

    8294135          253/253             F          134,125.00         ZZ
                                         360        134,003.74          1
                                       6.500            847.77         36
                                       6.250            847.77
    AUSTIN           TX   78759          2            11/26/02         00
    439860                               05           01/01/03          0
    439860                               O            12/01/32
    0

    8294171          N74/G02             F          173,000.00         ZZ
                                         360        173,000.00          1
                                       6.750          1,122.07         90
                                       6.500          1,122.07
    STAFFORD         VA   22554          2            12/12/02         10
    0435135389                           03           02/01/03         25
    0031326010                           O            01/01/33
    0

    8294173          A39/G02             F          456,000.00         ZZ
                                         360        456,000.00          1
                                       6.375          2,844.85         80
                                       6.125          2,844.85
    SHERMAN OAKS     CA   91423          1            12/02/02         00
    0435128111                           05           02/01/03          0
    2202397                              O            01/01/33
    0

1

    8294203          U05/G02             F           85,000.00         ZZ
                                         360         85,000.00          1
                                       6.875            558.39         36
                                       6.625            558.39
    NACOGDOCHES      TX   75965          5            12/02/02         00
    0435123013                           05           02/01/03          0
    3283391                              O            01/01/33
    0

    8294223          E82/G02             F           91,500.00         ZZ
                                         360         91,500.00          1
                                       6.375            570.84         79
                                       6.125            570.84
    LAS CRUCES       NM   88001          2            12/10/02         00
    0400744371                           05           02/01/03          0
    2878338                              O            01/01/33
    0

    8294231          U05/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.375          2,495.48         78
                                       6.125          2,495.48
    SEATTLE          WA   98119          5            12/03/02         00
    0435123542                           05           02/01/03          0
    3287610                              O            01/01/33
    0

    8294245          E82/G02             F          236,500.00         ZZ
                                         360        236,500.00          1
                                       6.500          1,494.84         61
                                       6.250          1,494.84
    WARREN           RI   02885          2            12/11/02         00
    0400730016                           05           02/01/03          0
    6774062                              O            01/01/33
    0

    8294291          U05/G02             F          347,700.00         ZZ
                                         360        347,428.76          1
                                       7.250          2,371.93         95
                                       7.000          2,371.93
    OAKLAND          CA   94606          1            11/07/02         10
    0435154729                           05           01/01/03         30
    3273896                              O            12/01/32
    0

    8294387          U19/G02             F          136,000.00         ZZ
                                         360        136,000.00          1
                                       6.375            848.46         80
                                       6.125            848.46
1

    DENVER           CO   80207          5            12/13/02         00
    0435147467                           05           02/01/03          0
    0212050000                           O            01/01/33
    0

    8294395          N74/G02             F           65,600.00         ZZ
                                         360         65,600.00          1
                                       6.750            425.48         80
                                       6.500            425.48
    HOUSTON          TX   77075          5            12/11/02         00
    0435150255                           05           02/01/03          0
    0031319010                           O            01/01/33
    0

    8294485          E45/G02             F           81,600.00         ZZ
                                         360         81,528.01          1
                                       6.625            522.49         80
                                       6.375            522.49
    DELRAY BEACH     FL   33445          5            11/19/02         00
    0435110705                           01           01/01/03          0
    305085                               O            12/01/32
    0

    8294509          U05/G02             F          430,000.00         ZZ
                                         360        429,601.74          1
                                       6.375          2,682.64         70
                                       6.125          2,682.64
    IRVINE           CA   92612          5            11/25/02         00
    0435122999                           05           01/01/03          0
    3281763                              O            12/01/32
    0

    8294523          E45/G02             F          132,600.00         ZZ
                                         360        132,491.31          1
                                       7.000            882.19         80
                                       6.750            882.19
    AURORA           IL   60504          1            11/26/02         00
    0435110713                           01           01/01/03          0
    318280                               N            12/01/32
    0

    8294533          S27/G02             F          209,000.00         ZZ
                                         360        209,000.00          1
                                       6.625          1,338.25         76
                                       6.375          1,338.25
    CASSELBERRY      FL   32707          2            12/04/02         00
    0435123377                           05           02/01/03          0
    1010023205                           O            01/01/33
    0
1

    8294621          X31/G02             F          340,000.00         ZZ
                                         360        339,707.27          1
                                       6.750          2,205.23         95
                                       6.500          2,205.23
    CHINO HILLS      CA   91709          1            11/26/02         10
    0435129051                           05           01/01/03         30
    40105315                             O            12/01/32
    0

    8294887          N67/G02             F          130,500.00         ZZ
                                         360        130,228.79          1
                                       7.875            946.22         90
                                       7.625            946.22
    CHICAGO          IL   60639          1            09/09/02         01
    0435072046                           05           11/01/02         30
    3255003156                           O            10/01/32
    0

    8295011          N67/G02             F          148,500.00         ZZ
                                         360        148,392.52          1
                                       7.625          1,051.07         90
                                       7.375          1,051.07
    HINCKLEY         MN   55037          1            11/01/02         01
    0435073077                           05           01/01/03         30
    1161002483                           O            12/01/32
    0

    8295093          N67/G02             F          117,000.00         ZZ
                                         360        116,919.48          1
                                       7.875            848.33         90
                                       7.625            848.33
    HENDERSON        NV   89014          5            11/04/02         01
    0435073556                           03           01/01/03         30
    1162000381                           O            12/01/32
    0

    8295095          N67/G02             F          192,000.00         ZZ
                                         360        191,857.51          1
                                       7.500          1,342.49         80
                                       7.250          1,342.49
    PARK CITY        UT   84098          2            11/01/02         00
    0435073598                           05           01/01/03          0
    1162000422                           O            12/01/32
    0

    8295133          N67/G02             F          338,000.00         ZZ
                                         360        337,325.36          1
1

                                       6.000          2,026.48         80
                                       5.750          2,026.48
    RENO             NV   89509          2            10/25/02         00
    0435074042                           03           12/01/02          0
    1260005156                           O            11/01/32
    0

    8295135          N67/G02             F          999,950.00         ZZ
                                         360        998,001.26          1
                                       6.125          6,075.80         40
                                       5.875          6,075.80
    PARADISE VALLEY  AZ   85253          2            10/24/02         00
    0435074067                           05           12/01/02          0
    1760003198                           O            11/01/32
    0

    8295147          N67/G02             F          180,000.00         ZZ
                                         360        179,711.27          1
                                       7.125          1,212.69         48
                                       6.875          1,212.69
    SEATTLE          WA   98112          5            10/30/02         00
    0435074208                           05           12/01/02          0
    1781003151                           O            11/01/32
    0

    8295187          N67/G02             F          132,900.00         ZZ
                                         360        132,808.54          1
                                       7.875            963.62         90
                                       7.625            963.62
    PHOENIX          AZ   85050          1            11/04/02         01
    0435074638                           03           01/01/03         30
    1781003729                           O            12/01/32
    0

    8295231          N67/G02             F          168,100.00         ZZ
                                         360        167,750.67          1
                                       7.875          1,218.84         90
                                       7.625          1,218.84
    PEORIA           AZ   85345          1            09/23/02         01
    0435075015                           03           11/01/02         30
    1785003296                           O            10/01/32
    0

    8295333          N67/G02             F          103,900.00         ZZ
                                         360        103,710.31          1
                                       7.500            726.48         80
                                       7.250            726.48
    LAWRENCEVILLE    GA   30045          1            10/02/02         00
    0435075965                           05           12/01/02          0
1

    3252003025                           O            11/01/32
    0

    8295441          N67/G02             F          207,500.00         ZZ
                                         360        207,053.13          1
                                       7.250          1,415.52         80
                                       7.000          1,415.52
    WEST GROVE       PA   19390          1            11/06/02         00
    0435076807                           05           01/01/03          0
    3264001326                           O            12/01/32
    0

    8295533          T44/G02             F          356,000.00         ZZ
                                         360        355,685.91          1
                                       6.625          2,279.51         80
                                       6.375          2,279.51
    PETALUMA         CA   94952          1            11/20/02         00
    0435146360                           05           01/01/03          0
    1060044                              O            12/01/32
    0

    8295971          R80/G02             F          383,000.00         ZZ
                                         360        383,000.00          1
                                       6.375          2,389.42         77
                                       6.125          2,389.42
    CAREFREE         AZ   85377          5            12/06/02         00
    0435121090                           05           02/01/03          0
    30070                                O            01/01/33
    0

    8295973          E22/G02             F          155,960.00         ZZ
                                         360        155,960.00          1
                                       6.750          1,011.55         80
                                       6.500          1,011.55
    SAN DIEGO        CA   92117          1            12/12/02         00
    0415574409                           01           02/01/03          0
    0415574409                           N            01/01/33
    0

    8295977          E22/G02             F          175,350.00         ZZ
                                         360        175,350.00          1
                                       6.375          1,093.96         38
                                       6.125          1,093.96
    EVANSTON         IL   60201          5            12/12/02         00
    0415580539                           05           02/01/03          0
    0415580539                           O            01/01/33
    0

1

    8295983          E22/G02             F           60,000.00         ZZ
                                         360         60,000.00          1
                                       6.375            374.32         60
                                       6.125            374.32
    ROWLETT          TX   75089          5            12/13/02         00
    0415593748                           05           02/01/03          0
    0415593748                           N            01/01/33
    0

    8295993          E22/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.375          1,247.74         79
                                       6.125          1,247.74
    THE WOODLANDS    TX   77381          5            12/12/02         00
    0415610815                           03           02/01/03          0
    0415610815                           O            01/01/33
    0

    8295999          E22/G02             F           85,500.00         ZZ
                                         360         85,500.00          4
                                       7.625            605.16         90
                                       7.375            605.16
    DECATUR          AL   35601          1            12/17/02         04
    0415616689                           05           02/01/03         25
    0415616689                           N            01/01/33
    0

    8296001          E22/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.750          1,297.20         80
                                       6.500          1,297.20
    CAPE CORAL       FL   33990          5            12/12/02         00
    0415618602                           05           02/01/03          0
    0415618602                           O            01/01/33
    0

    8296007          E22/G02             F          224,800.00         ZZ
                                         360        224,800.00          1
                                       6.250          1,384.13         80
                                       6.000          1,384.13
    JACKSON          NJ   08527          1            12/17/02         00
    0415633833                           05           02/01/03          0
    0415633833                           O            01/01/33
    0

    8296011          E22/G02             F           67,200.00         ZZ
                                         360         67,200.00          1
                                       6.500            424.75         80
                                       6.250            424.75
1

    SARDINIA         OH   45171          1            12/17/02         00
    0415635218                           05           02/01/03          0
    0415635218                           O            01/01/33
    0

    8296031          E22/G02             F          253,730.00         ZZ
                                         360        253,730.00          4
                                       7.250          1,730.89         69
                                       7.000          1,730.89
    UPLAND           CA   91786          2            12/06/02         00
    0415647783                           05           02/01/03          0
    0415647783                           N            01/01/33
    0

    8296033          E22/G02             F          174,400.00         ZZ
                                         360        174,400.00          1
                                       6.250          1,073.81         72
                                       6.000          1,073.81
    AUSTIN           TX   78749          5            12/12/02         00
    0415651090                           03           02/01/03          0
    0415651090                           O            01/01/33
    0

    8296045          E22/G02             F           60,300.00         ZZ
                                         360         60,300.00          1
                                       7.625            426.80         95
                                       7.375            426.80
    KANSAS CITY      MO   64124          1            12/17/02         01
    0415675016                           05           02/01/03         30
    0415675016                           O            01/01/33
    0

    8296053          E22/G02             F          468,750.00         ZZ
                                         360        468,750.00          1
                                       6.500          2,962.82         75
                                       6.250          2,962.82
    GLENDORA         CA   91741          5            12/09/02         00
    0415692250                           05           02/01/03          0
    0415692250                           O            01/01/33
    0

    8296055          E22/G02             F           84,800.00         ZZ
                                         360         84,800.00          1
                                       7.500            592.93         80
                                       7.250            592.93
    DERRY            NH   03038          1            12/16/02         00
    0415696368                           01           02/01/03          0
    0415696368                           N            01/01/33
    0
1

    8296067          E22/G02             F          209,000.00         ZZ
                                         240        209,000.00          1
                                       6.375          1,542.91         51
                                       6.125          1,542.91
    BERKELEY         CA   94704          5            12/02/02         00
    0415336643                           05           02/01/03          0
    0415336643                           O            01/01/23
    0

    8296071          E22/G02             F          135,000.00         ZZ
                                         360        135,000.00          1
                                       6.500            853.29         73
                                       6.250            853.29
    CRANSTON         RI   02920          5            12/11/02         00
    0415138650                           05           02/01/03          0
    0415138650                           O            01/01/33
    0

    8296077          E22/G02             F           70,000.00         ZZ
                                         360         70,000.00          1
                                       6.750            454.02         56
                                       6.500            454.02
    CARROLLTON       TX   75007          5            12/12/02         00
    0415210293                           05           02/01/03          0
    0415210293                           O            01/01/33
    0

    8296095          E22/G02             F          530,000.00         ZZ
                                         360        530,000.00          1
                                       6.625          3,393.65         76
                                       6.375          3,393.65
    HAMPTON FALLS    NH   03844          5            12/10/02         00
    0415312115                           05           02/01/03          0
    0415312115                           O            01/01/33
    0

    8296127          E22/G02             F           92,800.00         ZZ
                                         360         92,800.00          1
                                       6.750            601.90         80
                                       6.500            601.90
    SACRAMENTO       CA   95817          1            12/03/02         00
    0415409416                           05           02/01/03          0
    0415409416                           N            01/01/33
    0

    8296183          E22/G02             F          194,391.00         ZZ
                                         360        194,391.00          1
1

                                       7.250          1,326.09         90
                                       7.000          1,326.09
    REISTERSTOWN     MD   21136          1            12/17/02         04
    0415423870                           09           02/01/03         25
    0415423870                           O            01/01/33
    0

    8296189          E22/G02             F          295,000.00         ZZ
                                         360        295,000.00          1
                                       6.375          1,840.42         59
                                       6.125          1,840.42
    LAKEVILLE        CT   06039          5            12/11/02         00
    0415430099                           05           02/01/03          0
    0415430099                           O            01/01/33
    0

    8296203          E22/G02             F           78,300.00         ZZ
                                         360         78,300.00          1
                                       6.375            488.49         90
                                       6.125            488.49
    HIALEAH          FL   33012          1            12/17/02         04
    0415447846                           01           02/01/03         25
    0415447846                           O            01/01/33
    0

    8296209          E22/G02             F          213,000.00         ZZ
                                         360        213,000.00          1
                                       6.375          1,328.84         78
                                       6.125          1,328.84
    TAOS             NM   87571          2            12/11/02         00
    0415453752                           05           02/01/03          0
    0415453752                           O            01/01/33
    0

    8296239          E22/G02             F          565,000.00         ZZ
                                         360        565,000.00          1
                                       6.375          3,524.86         65
                                       6.125          3,524.86
    CUPERTINO        CA   95014          5            12/11/02         00
    0415486380                           05           02/01/03          0
    0415486380                           O            01/01/33
    0

    8296243          E22/G02             F           84,600.00         ZZ
                                         360         84,600.00          1
                                       6.750            548.71         90
                                       6.500            548.71
    MOBILE           AL   36695          5            12/12/02         10
    0415494855                           05           02/01/03         25
1

    0415494855                           O            01/01/33
    0

    8296251          E22/G02             F          169,808.00         ZZ
                                         360        169,808.00          1
                                       6.375          1,059.38         80
                                       6.125          1,059.38
    ST CHARLES       MO   63303          1            12/17/02         00
    0415511526                           09           02/01/03          0
    0415511526                           O            01/01/33
    0

    8296255          E22/G02             F          151,000.00         ZZ
                                         360        151,000.00          1
                                       6.500            954.42         79
                                       6.250            954.42
    GRAND JUNCTION   CO   81505          2            12/11/02         00
    0415515287                           03           02/01/03          0
    0415515287                           O            01/01/33
    0

    8296277          E22/G02             F           87,300.00         ZZ
                                         360         87,300.00          2
                                       7.000            580.81         90
                                       6.750            580.81
    PLAINFIELD       NJ   07061          1            12/17/02         10
    0415713205                           05           02/01/03         25
    0415713205                           O            01/01/33
    0

    8296299          E82/G02             F          178,300.00         ZZ
                                         360        178,300.00          1
                                       6.500          1,126.98         63
                                       6.250          1,126.98
    MAPLE VALLEY     WA   98038          2            12/13/02         00
    0400738969                           03           02/01/03          0
    4646247                              O            01/01/33
    0

    8296319          E82/G02             F           61,300.00         ZZ
                                         360         61,300.00          1
                                       6.625            392.51         25
                                       6.375            392.51
    BURBANK          CA   91504          2            12/09/02         00
    0400683827                           05           02/01/03          0
    0400683827                           O            01/01/33
    0

1

    8296331          E82/G02             F          130,000.00         ZZ
                                         360        130,000.00          1
                                       6.375            811.03         75
                                       6.125            811.03
    SONOMA           CA   95476          2            12/04/02         00
    0400730412                           05           02/01/03          0
    1871180                              O            01/01/33
    0

    8296341          E82/G02             F          420,000.00         ZZ
                                         360        420,000.00          1
                                       6.875          2,759.10         80
                                       6.625          2,759.10
    DENVER           CO   80210          2            12/13/02         00
    0400751590                           05           02/01/03          0
    5106170                              O            01/01/33
    0

    8296347          E82/G02             F          256,000.00         ZZ
                                         360        256,000.00          1
                                       6.500          1,618.09         73
                                       6.250          1,618.09
    NORTHVILLE TOWN  MI   48167          2            12/13/02         00
    0400716452                           05           02/01/03          0
    1848392                              N            01/01/33
    0

    8296359          E82/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.375          1,247.74         69
                                       6.125          1,247.74
    CHINO            CA   91710          5            12/11/02         00
    0400736260                           05           02/01/03          0
    0400736260                           O            01/01/33
    0

    8296365          E82/G02             F           95,500.00         ZZ
                                         360         95,500.00          1
                                       6.375            595.80         74
                                       6.125            595.80
    REDLANDS         CA   92373          2            12/11/02         00
    0400743068                           05           02/01/03          0
    1861364                              O            01/01/33
    0

    8296413          144/144             F          200,000.00         ZZ
                                         360        199,628.54          1
                                       6.375          1,247.74         39
                                       6.125          1,247.74
1

    IRVINGTON        NY   10533          5            10/23/02         00
    184442209                            05           12/01/02          0
    184442209                            O            11/01/32
    0

    8296535          Q31/G02             F          556,800.00         ZZ
                                         360        556,800.00          1
                                       6.375          3,473.71         80
                                       6.125          3,473.71
    SAN DIEGO        CA   92127          1            12/11/02         00
    0435128061                           03           02/01/03          0
    SD878252                             O            01/01/33
    0

    8296587          X78/G02             F          114,000.00         ZZ
                                         360        114,000.00          1
                                       6.875            748.90         80
                                       6.625            748.90
    NORCROSS         GA   30071          5            12/11/02         00
    0435134747                           05           02/01/03          0
    990233                               O            01/01/33
    0

    8296665          642/G02             F           98,228.00         ZZ
                                         360         98,228.00          1
                                       7.000            653.51         80
                                       6.750            653.51
    FREDERICK        MD   21701          1            12/02/02         00
    0435116090                           09           02/01/03          0
    10209802                             N            01/01/33
    0

    8296679          F89/G02             F          150,000.00         ZZ
                                         360        150,000.00          1
                                       6.375            935.80         56
                                       6.125            935.80
    CHICO            CA   95928          5            12/06/02         00
    0435158449                           05           02/01/03          0
    15024928                             O            01/01/33
    0

    8296701          F89/G02             F           71,900.00         ZZ
                                         360         71,835.00          1
                                       6.500            454.46         70
                                       6.250            454.46
    LAS VEGAS        NV   89123          1            11/25/02         00
    0435124722                           01           01/01/03          0
    21026029                             N            12/01/32
    0
1

    8296731          950/G02             F          350,000.00         ZZ
                                         360        349,705.96          1
                                       6.875          2,299.25         80
                                       6.625          2,299.25
    KENT             WA   98031          1            11/08/02         00
    0435124532                           05           01/01/03          0
    EW211004                             O            12/01/32
    0

    8296793          L03/G02             F           85,500.00         ZZ
                                         360         85,500.00          1
                                       6.500            540.42         75
                                       6.250            540.42
    PEORIA           AZ   85345          1            12/11/02         00
    0435128129                           05           02/01/03          0
    40009053                             N            01/01/33
    0

    8296811          W02/G02             F           80,750.00         ZZ
                                         360         80,678.75          1
                                       6.625            517.06         92
                                       6.375            517.06
    MIDDLEBURG       FL   32068          5            11/20/02         12
    0435121413                           05           01/01/03         30
    1001752037                           O            12/01/32
    0

    8296813          E47/G02             F           73,350.00         ZZ
                                         360         73,350.00          1
                                       6.500            463.62         80
                                       6.250            463.62
    SAN ANTONIO      TX   78249          1            12/06/02         00
    0435133772                           03           02/01/03          0
    7329012935                           O            01/01/33
    0

    8296817          P67/G02             F           52,400.00         ZZ
                                         360         52,400.00          1
                                       7.500            366.39         73
                                       7.250            366.39
    LACONIA          NH   03247          5            12/17/02         00
    0435126149                           01           02/01/03          0
    654409                               N            01/01/33
    0

    8296853          U85/G02             F          118,750.00         ZZ
                                         360        118,666.19          2
1

                                       7.750            850.74         95
                                       7.500            850.74
    WEST ALLIS       WI   53219          2            11/01/02         10
    0435139365                           05           01/01/03         30
    DANGER                               O            12/01/32
    0

    8296867          420/G02             F          169,000.00         ZZ
                                         360        168,858.02          2
                                       6.875          1,110.21         79
                                       6.625          1,110.21
    FORT BRAGG       CA   95437          1            11/21/02         00
    0435120894                           05           01/01/03          0
    72003908                             N            12/01/32
    0

    8296893          P59/G02             F          106,999.00         ZZ
                                         360        106,919.59          1
                                       7.500            748.15         90
                                       7.250            748.15
    SHANDON          CA   93461          1            11/21/02         01
    0435170345                           05           01/01/03         25
    AT004872                             O            12/01/32
    0

    8296935          K15/G02             F          153,500.00         ZZ
                                         360        153,500.00          1
                                       6.500            970.22         73
                                       6.250            970.22
    BROCKTON         MA   02301          5            12/11/02         00
    0435126610                           05           02/01/03          0
    033305306524                         O            01/01/33
    0

    8297025          U28/G02             F           74,000.00         ZZ
                                         360         74,000.00          2
                                       6.375            461.66         65
                                       6.125            461.66
    ATHENS           GA   30606          2            12/10/02         00
    0435127626                           05           02/01/03          0
    GOFFST8                              N            01/01/33
    0

    8297051          R65/G02             F          320,000.00         ZZ
                                         360        319,696.37          1
                                       6.250          1,970.30         80
                                       6.000          1,970.30
    LEONARDO         NJ   07737          5            11/22/02         00
    0435123641                           05           01/01/03          0
1

    7482240000                           O            12/01/32
    0

    8297061          U19/G02             F          133,900.00         ZZ
                                         360        133,900.00          1
                                       7.250            913.43         95
                                       7.000            913.43
    DENVER           CO   80204          1            12/13/02         04
    0435131073                           01           02/01/03         30
    0212060000                           O            01/01/33
    0

    8297135          S11/G02             F          359,200.00         ZZ
                                         360        359,200.00          1
                                       6.250          2,211.66         80
                                       6.000          2,211.66
    SAN JOSE         CA   95111          1            12/10/02         00
    0435153598                           05           02/01/03          0
    10210335                             O            01/01/33
    0

    8297253          588/G02             F          388,000.00         ZZ
                                         360        387,330.00          1
                                       6.750          2,516.56         80
                                       6.500          2,516.56
    GREAT FALLS      VA   22066          1            10/24/02         00
    0435143656                           05           12/01/02          0
    00010796547                          O            11/01/32
    0

    8297257          K15/G02             F          109,000.00         ZZ
                                         360        108,919.11          1
                                       7.500            762.14         95
                                       7.250            762.14
    LANSING          MI   48911          5            11/25/02         41
    0435120522                           05           01/01/03         30
    112502                               O            12/01/32
    0

    8297299          B57/G02             F          316,000.00         ZZ
                                         360        316,000.00          1
                                       6.375          1,971.43         75
                                       6.125          1,971.43
    VENTURA          CA   93003          5            12/01/02         00
    0435171939                           05           02/01/03          0
    75000074                             O            01/01/33
    0

1

    8297303          408/G02             F           71,100.00         ZZ
                                         360         71,100.00          1
                                       6.875            467.08         65
                                       6.625            467.08
    CATAWISSA        PA   19066          2            12/06/02         00
    0435128012                           05           02/01/03          0
    703031278                            N            01/01/33
    0

    8297315          408/G02             F          202,400.00         ZZ
                                         360        202,400.00          1
                                       6.500          1,279.31         80
                                       6.250          1,279.31
    KANSAS CITY      MO   64151          1            12/06/02         00
    0435129622                           03           02/01/03          0
    703031627                            O            01/01/33
    0

    8297333          X82/G02             F          400,000.00         ZZ
                                         360        399,374.03          1
                                       7.250          2,728.71         70
                                       7.000          2,728.71
    NOKESVILLE       VA   20181          2            11/01/02         00
    0435121009                           05           12/01/02          0
    843439                               O            11/01/32
    0

    8297385          A06/G02             F          148,410.00         ZZ
                                         360        148,410.00          1
                                       7.750          1,063.23         90
                                       7.500          1,063.23
    ARMADA           MI   48005          1            12/16/02         11
    0435121272                           05           02/01/03         25
    035000020222838                      N            01/01/33
    0

    8297395          408/G02             F           93,400.00         ZZ
                                         360         93,319.59          2
                                       6.750            605.79         69
                                       6.500            605.79
    BLUE SPRINGS     MO   64014          5            11/27/02         00
    0435128210                           05           01/01/03          0
    703031087                            N            12/01/32
    0

    8297399          X13/G02             F          154,000.00         ZZ
                                         360        154,000.00          1
                                       6.125            935.73         71
                                       5.875            935.73
1

    FRESNO           CA   93720          5            12/12/02         00
    0435131974                           05           02/01/03          0
    0652380                              O            01/01/33
    0

    8297423          L20/G02             F          127,920.00         ZZ
                                         360        127,920.00          1
                                       6.000            766.95         80
                                       5.750            766.95
    BOUNTIFUL        UT   84010          1            12/16/02         00
    0435128160                           05           02/01/03          0
    1061070102                           O            01/01/33
    0

    8297453          A06/G02             F          112,000.00         ZZ
                                         360        112,000.00          1
                                       6.375            698.74         80
                                       6.125            698.74
    WATERFORD        MI   48327          5            12/06/02         00
    0435121678                           05           02/01/03          0
    021000020229982                      O            01/01/33
    0

    8297547          U85/G02             F           96,000.00         ZZ
                                         360         96,000.00          1
                                       7.500            671.25         80
                                       7.250            671.25
    WEST BEND        WI   53095          1            12/09/02         00
    0435129010                           05           02/01/03          0
    100121                               N            01/01/33
    0

    8297555          420/G02             F          319,200.00         ZZ
                                         360        318,918.38          1
                                       6.625          2,043.87         80
                                       6.375          2,043.87
    CLOVERDALE       CA   95425          1            11/25/02         00
    0435144332                           05           01/01/03          0
    72004531                             O            12/01/32
    0

    8297575          A06/G02             F          306,400.00         ZZ
                                         360        306,400.00          1
                                       6.375          1,911.54         80
                                       6.125          1,911.54
    FARMINGTON HILL  MI   48331          5            12/10/02         00
    0435173273                           05           02/01/03          0
    0210020228992                        O            01/01/33
    0
1

    8297617          Q87/G02             F           56,000.00         ZZ
                                         240         55,885.81          1
                                       6.500            417.52         45
                                       6.250            417.52
    ADDISON          AL   35540          5            12/09/02         00
    0435173471                           05           01/13/03          0
    THJO05                               O            12/13/22
    0

    8297629          L76/G02             F          139,000.00         ZZ
                                         360        139,000.00          1
                                       6.250            855.85         80
                                       6.000            855.85
    ANOKA            MN   55303          5            12/13/02         00
    0435124672                           05           02/01/03          0
    9507352                              O            01/01/33
    0

    8297907          225/G02             F          650,000.00         ZZ
                                         360        648,792.76          1
                                       6.375          4,055.15         71
                                       6.125          4,055.15
    PRINCETON        NJ   08540          5            10/28/02         00
    0435122411                           05           12/01/02          0
    006853140                            O            11/01/32
    0

    8297979          225/G02             F          525,000.00         ZZ
                                         360        524,001.11          1
                                       6.250          3,232.52         75
                                       6.000          3,232.52
    ARLINGTON HEI    IL   60004          5            10/29/02         00
    0435122916                           05           12/01/02          0
    007413916                            O            11/01/32
    0

    8298003          U35/G02             F           36,000.00         ZZ
                                         360         36,000.00          1
                                       6.875            236.49         75
                                       6.625            236.49
    FAIRFIELD        IA   52556          5            12/16/02         00
    0435141841                           05           02/01/03          0
    0010348706                           O            01/01/33
    0

    8298037          225/G02             F          412,500.00         ZZ
                                         360        412,117.95          1
1

                                       6.375          2,573.46         75
                                       6.125          2,573.46
    HOLMDEL          NJ   07733          5            11/07/02         00
    0435116934                           05           01/01/03          0
    006857147                            O            12/01/32
    0

    8298185          225/G02             F          487,500.00         ZZ
                                         360        487,026.17          1
                                       6.125          2,962.11         75
                                       5.875          2,962.11
    TRABUCO CANYON   CA   92679          5            11/04/02         00
    0435114533                           03           01/01/03          0
    007418850                            O            12/01/32
    0

    8298199          P01/G02             F           52,650.00         ZZ
                                         360         52,610.92          2
                                       7.500            368.14         90
                                       7.250            368.14
    ALBANY           NY   12206          1            11/26/02         04
    0435130018                           05           01/01/03         25
    02009840                             N            12/01/32
    0

    8298353          225/G02             F          460,000.00         ZZ
                                         360        459,145.62          1
                                       6.375          2,869.81         73
                                       6.125          2,869.81
    HAWTHORNE WOODS  IL   60047          5            10/21/02         00
    0435123898                           03           12/01/02          0
    007406870                            O            11/01/32
    0

    8298413          W02/G02             F          152,000.00         ZZ
                                         360        151,865.90          1
                                       6.625            973.27         95
                                       6.375            973.27
    MIAMI            FL   33177          5            11/25/02         12
    0435194618                           05           01/01/03         30
    1001627025                           O            12/01/32
    0

    8298595          225/G02             F          450,000.00         ZZ
                                         360        449,573.02          1
                                       6.250          2,770.73         75
                                       6.000          2,770.73
    LA VERNE         CA   91750          5            11/01/02         00
    0435122007                           03           01/01/03          0
1

    007410092                            O            12/01/32
    0

    8298685          U96/G02             F          540,000.00         ZZ
                                         360        540,000.00          1
                                       6.250          3,324.87         80
                                       6.000          3,324.87
    HOLUALOA         HI   96725          1            12/06/02         00
    0435145552                           03           02/01/03          0
    21000119                             O            01/01/33
    0

    8298757          225/G02             F          443,000.00         ZZ
                                         360        442,554.70          1
                                       6.500          2,800.07         74
                                       6.250          2,800.07
    COLFAX           CA   95713          5            11/04/02         00
    0435124771                           05           01/01/03          0
    007411879                            O            12/01/32
    0

    8298783          225/G02             F          650,000.00         ZZ
                                         360        648,733.25          1
                                       6.125          3,949.47         74
                                       5.875          3,949.47
    PARADISE VALL    AZ   85253          5            10/30/02         00
    0435122817                           05           12/01/02          0
    007412176                            O            11/01/32
    0

    8298791          W02/G02             F          108,000.00         ZZ
                                         360        107,915.74          1
                                       7.250            736.76         90
                                       7.000            736.76
    ORLANDO          FL   32818          5            11/22/02         12
    0435194949                           05           01/01/03         25
    1001653848                           O            12/01/32
    0

    8298969          225/G02             F          525,000.00         ZZ
                                         360        524,477.36          1
                                       6.000          3,147.64         75
                                       5.750          3,147.64
    CHARLOTTE        NC   28720          5            11/04/02         00
    0435125026                           05           01/01/03          0
    008481579                            O            12/01/32
    0

1

    8299003          F34/G02             F          272,400.00         ZZ
                                         360        272,176.72          1
                                       7.000          1,812.28         80
                                       6.750          1,812.28
    WINCHESTER       VA   22602          1            11/27/02         00
    0435127840                           03           01/01/03          0
    02921138                             O            12/01/32
    0

    8299031          M37/G02             F          137,500.00         ZZ
                                         300        137,500.00          1
                                       6.250            907.05         55
                                       6.000            907.05
    FLAGSTAFF        AZ   86004          2            12/04/02         00
    0435169537                           05           02/01/03          0
    610080                               O            01/01/28
    0

    8299057          M27/G02             F           90,700.00         ZZ
                                         360         90,700.00          1
                                       6.500            573.29         59
                                       6.250            573.29
    MEMPHIS          TN   38111          2            12/06/02         00
    0435173158                           05           02/01/03          0
    5000053094                           O            01/01/33
    0

    8299061          L20/G02             F           92,000.00         ZZ
                                         360         92,000.00          1
                                       6.750            596.71         80
                                       6.500            596.71
    NAMPA            ID   83651          1            12/12/02         00
    0435128186                           03           02/01/03          0
    1151120276                           O            01/01/33
    0

    8299107          U19/G02             F          149,400.00         ZZ
                                         360        149,400.00          1
                                       7.250          1,019.17         95
                                       7.000          1,019.17
    DENVER           CO   80204          1            12/17/02         01
    0435126396                           01           02/01/03         25
    0212100000                           O            01/01/33
    0

    8299133          K15/G02             F           83,300.00         ZZ
                                         360         83,231.72          1
                                       7.000            554.20         85
                                       6.750            554.20
1

    RENO             NV   89506          2            11/25/02         41
    0435122056                           09           01/01/03         12
    0221506459                           O            12/01/32
    0

    8299145          Q14/G02             F           36,900.00         ZZ
                                         360         36,900.00          1
                                       7.500            258.01         90
                                       7.250            258.01
    INDEPENDENCE     MO   64050          1            12/17/02         01
    0435122080                           05           02/01/03         25
    0000210599                           N            01/01/33
    0

    8299933          U05/G02             F          355,000.00         ZZ
                                         360        354,671.20          1
                                       6.375          2,214.74         79
                                       6.125          2,214.74
    SAN JOSE         CA   95121          2            11/19/02         00
    0435158415                           05           01/01/03          0
    3274491                              O            12/01/32
    0

    8299935          W39/G02             F          143,200.00         ZZ
                                         360        143,200.00          1
                                       6.375            893.38         80
                                       6.125            893.38
    ST MARTINVILLE   LA   70582          2            12/13/02         00
    0435136007                           05           02/01/03          0
    MH020972                             O            01/01/33
    0

    8299939          U05/G02             F          128,000.00         ZZ
                                         360        127,887.07          1
                                       6.625            819.60         80
                                       6.375            819.60
    STOCKTON         CA   95204          1            11/14/02         00
    0435124490                           05           01/01/03          0
    3283706                              N            12/01/32
    0

    8299941          U05/G02             F          197,600.00         ZZ
                                         360        197,600.00          1
                                       6.500          1,248.97         72
                                       6.250          1,248.97
    GARLAND          TX   75044          2            12/06/02         00
    0435125307                           03           02/01/03          0
    3279961                              O            01/01/33
    0
1

    8299945          U05/G02             F          469,500.00         ZZ
                                         360        469,500.00          1
                                       6.250          2,890.79         54
                                       6.000          2,890.79
    FORT LAUDERDALE  FL   33308          2            12/04/02         00
    0435124482                           05           02/01/03          0
    3275831                              O            01/01/33
    0

    8299949          W17/G02             F           72,000.00         ZZ
                                         360         72,000.00          1
                                       7.750            515.82         80
                                       7.500            515.82
    MIAMI            FL   33193          5            12/10/02         00
    0435133715                           01           02/01/03          0
    020350                               N            01/01/33
    0

    8300653          E22/G02             F          250,000.00         ZZ
                                         360        250,000.00          1
                                       6.750          1,621.50         69
                                       6.500          1,621.50
    WHEATLAND        WY   82201          5            12/13/02         00
    0415591874                           05           02/01/03          0
    0415591874                           O            01/01/33
    0

    8300663          E22/G02             F          294,400.00         ZZ
                                         360        294,400.00          1
                                       6.250          1,812.67         80
                                       6.000          1,812.67
    UPLAND           CA   91786          5            12/12/02         00
    0415601202                           05           02/01/03          0
    0415601202                           O            01/01/33
    0

    8300669          X43/G02             F          275,000.00         ZZ
                                         360        275,000.00          1
                                       6.375          1,715.64         43
                                       6.125          1,715.64
    CARLSBAD         CA   92009          2            12/10/02         00
    0435137112                           05           02/01/03          0
    11102045                             O            01/01/33
    0

    8300701          E22/G02             F          178,000.00         ZZ
                                         360        178,000.00          1
1

                                       6.500          1,125.08         69
                                       6.250          1,125.08
    SANTA MARIA      CA   93455          2            12/06/02         00
    0415612738                           05           02/01/03          0
    0415612738                           O            01/01/33
    0

    8300707          E82/G02             F           70,500.00         ZZ
                                         360         70,500.00          1
                                       6.375            439.83         50
                                       6.125            439.83
    WILMINGTON       DE   19809          2            12/16/02         00
    0400736013                           05           02/01/03          0
    3911870                              O            01/01/33
    0

    8300715          E22/G02             F          175,000.00         ZZ
                                         360        175,000.00          1
                                       6.500          1,106.12         37
                                       6.250          1,106.12
    IRVINE           CA   92606          5            12/10/02         00
    0415614403                           03           02/01/03          0
    0415614403                           O            01/01/33
    0

    8300735          E22/G02             F          542,500.00         ZZ
                                         360        542,500.00          1
                                       6.375          3,384.49         70
                                       6.125          3,384.49
    GRANITE BAY      CA   95746          2            12/11/02         00
    0415628122                           05           02/01/03          0
    0415628122                           O            01/01/33
    0

    8300739          E22/G02             F          169,500.00         ZZ
                                         360        169,500.00          1
                                       6.375          1,057.46         70
                                       6.125          1,057.46
    ROCHESTER        MA   02770          2            12/13/02         00
    0415631761                           05           02/01/03          0
    0415631761                           O            01/01/33
    0

    8300743          E22/G02             F          140,000.00         ZZ
                                         360        140,000.00          1
                                       7.125            943.21         80
                                       6.875            943.21
    SHAWNEE          KS   66216          5            12/13/02         00
    0415637503                           05           02/01/03          0
1

    0415637503                           O            01/01/33
    0

    8300745          E22/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.875          1,970.79         85
                                       6.625          1,970.79
    LINDENHURST      NY   11757          5            12/13/02         04
    0415637701                           05           02/01/03         12
    0415637701                           O            01/01/33
    0

    8300767          E22/G02             F          205,000.00         ZZ
                                         360        205,000.00          1
                                       6.000          1,229.08         78
                                       5.750          1,229.08
    ALTON BAY        NH   03810          5            12/13/02         00
    0415670561                           05           02/01/03          0
    0415670561                           O            01/01/33
    0

    8300769          E22/G02             F          188,200.00         ZZ
                                         360        188,200.00          1
                                       7.000          1,252.10         80
                                       6.750          1,252.10
    HURST            TX   76054          2            12/18/02         00
    0415681105                           05           02/01/03          0
    0415681105                           N            01/01/33
    0

    8300773          E22/G02             F          339,000.00         ZZ
                                         360        339,000.00          1
                                       6.375          2,114.92         74
                                       6.125          2,114.92
    DALLAS           TX   75230          5            12/13/02         00
    0415698489                           05           02/01/03          0
    0415698489                           O            01/01/33
    0

    8300815          E22/G02             F          150,000.00         ZZ
                                         360        150,000.00          1
                                       6.750            972.90         59
                                       6.500            972.90
    CHICO            TX   76431          4            12/18/02         00
    0414391078                           05           02/01/03          0
    0414391078                           O            01/01/33
    0

1

    8300845          E22/G02             F          156,000.00         ZZ
                                         360        156,000.00          4
                                       6.875          1,024.81         84
                                       6.625          1,024.81
    EDINBURG         TX   78539          2            12/17/02         01
    0415169754                           05           02/01/03          6
    0415169754                           N            01/01/33
    0

    8300881          E22/G02             F          220,000.00         ZZ
                                         360        220,000.00          1
                                       6.500          1,390.55         59
                                       6.250          1,390.55
    ROSEVILLE        CA   95661          5            12/11/02         00
    0415453224                           05           02/01/03          0
    0415453224                           O            01/01/33
    0

    8300885          E22/G02             F          115,000.00         ZZ
                                         360        115,000.00          3
                                       7.250            784.50         59
                                       7.000            784.50
    ASHEVILLE        NC   28801          5            12/18/02         00
    0415460823                           05           02/01/03          0
    0415460823                           N            01/01/33
    0

    8300887          E22/G02             F          135,000.00         ZZ
                                         360        135,000.00          4
                                       7.000            898.16         59
                                       6.750            898.16
    ASHEVILLE        NC   28801          2            12/18/02         00
    0415461441                           05           02/01/03          0
    0415461441                           N            01/01/33
    0

    8300897          E22/G02             F           67,200.00         ZZ
                                         360         67,200.00          1
                                       6.875            441.46         80
                                       6.625            441.46
    NORTH POLE       AK   99705          5            12/11/02         00
    0415467224                           05           02/01/03          0
    0415467224                           O            01/01/33
    0

    8300905          E22/G02             F          228,000.00         ZZ
                                         360        228,000.00          1
                                       6.125          1,385.35         80
                                       5.875          1,385.35
1

    MIAMI            FL   33165          5            12/13/02         00
    0415556273                           05           02/01/03          0
    0415556273                           O            01/01/33
    0

    8300907          E22/G02             F          100,600.00         ZZ
                                         360        100,600.00          1
                                       6.375            627.61         77
                                       6.125            627.61
    ASHEVILLE        NC   28806          2            12/18/02         00
    0415558428                           05           02/01/03          0
    0415558428                           O            01/01/33
    0

    8300913          E22/G02             F          102,600.00         ZZ
                                         360        102,600.00          1
                                       7.000            682.60         90
                                       6.750            682.60
    REDFORD          MI   48239          1            12/18/02         04
    0415561893                           05           02/01/03         30
    0415561893                           O            01/01/33
    0

    8300917          E22/G02             F          290,000.00         ZZ
                                         360        290,000.00          1
                                       6.375          1,809.22         55
                                       6.125          1,809.22
    SAN DIEGO        CA   92117          5            12/13/02         00
    0415567502                           05           02/01/03          0
    0415567502                           O            01/01/33
    0

    8300921          E22/G02             F           83,200.00         ZZ
                                         360         83,200.00          1
                                       7.250            567.57         80
                                       7.000            567.57
    HOUSTON          TX   77024          5            12/13/02         00
    0415573948                           01           02/01/03          0
    0415573948                           O            01/01/33
    0

    8300923          E22/G02             F          423,150.00         ZZ
                                         360        423,150.00          1
                                       6.250          2,605.41         51
                                       6.000          2,605.41
    AUSTIN           TX   78730          2            12/11/02         00
    0415578798                           03           02/01/03          0
    0415578798                           O            01/01/33
    0
1

    8300925          E22/G02             F          335,000.00         ZZ
                                         360        335,000.00          1
                                       6.375          2,089.96         61
                                       6.125          2,089.96
    PENRYN           CA   95663          2            12/09/02         00
    0415580612                           05           02/01/03          0
    0415580612                           O            01/01/33
    0

    8300931          E22/G02             F          160,000.00         ZZ
                                         360        160,000.00          1
                                       6.500          1,011.31         57
                                       6.250          1,011.31
    FORESTHILL       CA   95631          5            12/05/02         00
    0415586312                           05           02/01/03          0
    0415586312                           O            01/01/33
    0

    8300939          E22/G02             F          195,000.00         ZZ
                                         360        195,000.00          1
                                       6.250          1,200.65         78
                                       6.000          1,200.65
    GOFFSTOWN        NH   03045          2            12/13/02         00
    0415587799                           05           02/01/03          0
    0415587799                           O            01/01/33
    0

    8300943          E22/G02             F          428,000.00         ZZ
                                         360        428,000.00          1
                                       6.375          2,670.16         80
                                       6.125          2,670.16
    SAN JOSE         CA   95128          5            12/13/02         00
    0415590587                           05           02/01/03          0
    0415590587                           O            01/01/33
    0

    8300945          E22/G02             F          170,000.00         ZZ
                                         360        170,000.00          1
                                       6.375          1,060.58         72
                                       6.125          1,060.58
    KALAMAZOO        MI   49009          2            12/13/02         00
    0415196872                           05           02/01/03          0
    0415196872                           O            01/01/33
    0

    8300959          E22/G02             F          248,800.00         ZZ
                                         360        248,800.00          1
1

                                       7.000          1,655.27         80
                                       6.750          1,655.27
    WALNUT CREEK     CA   94596          2            12/10/02         00
    0415270925                           01           02/01/03          0
    0415270925                           O            01/01/33
    0

    8300991          E22/G02             F          147,250.00         ZZ
                                         360        147,250.00          1
                                       7.875          1,067.66         95
                                       7.625          1,067.66
    GADSDEN          AL   35903          1            12/18/02         04
    0415344043                           05           02/01/03         35
    0415344043                           O            01/01/33
    0

    8300993          E22/G02             F          174,000.00         ZZ
                                         360        174,000.00          2
                                       7.500          1,216.63         78
                                       7.250          1,216.63
    DENVER           CO   80211          5            12/18/02         00
    0415347368                           05           02/01/03          0
    0415347368                           N            01/01/33
    0

    8300995          E22/G02             F          230,400.00         ZZ
                                         360        230,400.00          1
                                       6.500          1,456.28         80
                                       6.250          1,456.28
    SAN PABLO        CA   94806          5            12/11/02         00
    0415348051                           05           02/01/03          0
    0415348051                           O            01/01/33
    0

    8301011          E22/G02             F          141,200.00         ZZ
                                         360        141,200.00          1
                                       6.250            869.39         78
                                       6.000            869.39
    CUERO            TX   77954          2            12/12/02         00
    0415382035                           05           02/01/03          0
    0415382035                           O            01/01/33
    0

    8301013          E22/G02             F          104,250.00         ZZ
                                         360        104,250.00          2
                                       6.875            684.85         75
                                       6.625            684.85
    BEND             OR   97701          2            12/11/02         00
    0415384197                           05           02/01/03          0
1

    0415384197                           N            01/01/33
    0

    8301017          E22/G02             F          136,000.00         ZZ
                                         360        136,000.00          1
                                       7.125            916.26         58
                                       6.875            916.26
    DELAND           FL   32720          5            12/13/02         00
    0415403773                           05           02/01/03          0
    0415403773                           O            01/01/33
    0

    8301031          E22/G02             F          240,000.00         ZZ
                                         360        240,000.00          1
                                       7.125          1,616.92         75
                                       6.875          1,616.92
    HAYWARD          CA   94545          1            12/11/02         00
    0415471291                           05           02/01/03          0
    0415471291                           N            01/01/33
    0

    8301041          E22/G02             F          333,570.00         ZZ
                                         360        333,570.00          1
                                       6.375          2,081.04         69
                                       6.125          2,081.04
    SAN FRANCISCO    CA   94122          2            12/12/02         00
    0415505148                           07           02/01/03          0
    0415505148                           O            01/01/33
    0

    8301049          E22/G02             F          283,500.00         ZZ
                                         360        283,500.00          1
                                       6.375          1,768.67         90
                                       6.125          1,768.67
    FORESTHILL       CA   95631          5            12/10/02         04
    0415514678                           05           02/01/03         25
    0415514678                           O            01/01/33
    0

    8301057          E22/G02             F           86,000.00         ZZ
                                         360         86,000.00          1
                                       7.250            586.67         62
                                       7.000            586.67
    KIRBYVILLE       MO   65679          5            12/13/02         00
    0415528132                           05           02/01/03          0
    0415528132                           O            01/01/33
    0

1

    8301059          E22/G02             F          108,800.00         ZZ
                                         360        108,800.00          1
                                       6.500            687.69         80
                                       6.250            687.69
    ARLINGTON        TX   76018          2            12/13/02         00
    0415535582                           05           02/01/03          0
    0415535582                           O            01/01/33
    0

    8301061          E22/G02             F          243,253.00         ZZ
                                         360        243,253.00          1
                                       6.000          1,458.42         58
                                       5.750          1,458.42
    WICHITA FALLS    TX   76309          5            12/11/02         00
    0415540806                           05           02/01/03          0
    0415540806                           O            01/01/33
    0

    8301067          E22/G02             F           91,500.00         ZZ
                                         360         91,500.00          1
                                       7.375            631.97         75
                                       7.125            631.97
    RAYTOWN          MO   64138          5            12/18/02         00
    0415545094                           05           02/01/03          0
    0415545094                           N            01/01/33
    0

    8301069          E22/G02             F          336,500.00         ZZ
                                         360        336,500.00          1
                                       6.500          2,126.91         76
                                       6.250          2,126.91
    RANCHO CUCAMONG  CA   91739          5            12/11/02         00
    0415545292                           05           02/01/03          0
    0415545292                           O            01/01/33
    0

    8301075          E22/G02             F           50,400.00         ZZ
                                         360         50,400.00          1
                                       7.250            343.82         80
                                       7.000            343.82
    SAN ANTONIO      TX   78233          1            12/06/02         00
    0415286095                           05           02/01/03          0
    0415286095                           N            01/01/33
    0

    8301093          N47/G02             F          358,400.00         ZZ
                                         360        358,400.00          1
                                       6.500          2,265.33         80
                                       6.250          2,265.33
1

    FREMONT          CA   94538          2            12/11/02         00
    0435148176                           05           02/01/03          0
    20501287                             O            01/01/33
    0

    8301099          N47/G02             F          345,000.00         ZZ
                                         360        345,000.00          1
                                       6.750          2,237.66         74
                                       6.500          2,237.66
    SUNNYVALE        CA   94085          5            12/05/02         00
    0435149026                           05           02/01/03          0
    30500913                             O            01/01/33
    0

    8301135          952/G02             F          263,500.00         ZZ
                                         360        263,500.00          1
                                       6.750          1,709.06         55
                                       6.500          1,709.06
    YONKERS          NY   10701          5            12/13/02         00
    0435128913                           05           02/01/03          0
    20028481                             O            01/01/33
    0

    8301171          U05/G02             F          339,000.00         ZZ
                                         360        339,000.00          1
                                       6.250          2,087.28         80
                                       6.000          2,087.28
    COSTA MESA       CA   92626          5            12/04/02         00
    0435124664                           05           02/01/03          0
    3287901                              O            01/01/33
    0

    8301175          950/G02             F          350,000.00         ZZ
                                         360        349,683.59          1
                                       6.500          2,212.24         64
                                       6.250          2,212.24
    PORLTAND         OR   97231          5            11/12/02         00
    0435187224                           05           01/01/03          0
    YC209036                             O            12/01/32
    0

    8301179          W35/G02             F           48,000.00         ZZ
                                         360         47,967.79          1
                                       8.000            352.21         78
                                       7.750            352.21
    BRAZIL           IN   47834          5            12/11/02         00
    0435126446                           05           01/16/03          0
    15991                                O            12/16/32
    0
1

    8301251          E47/G02             F          344,000.00         ZZ
                                         360        343,731.64          1
                                       7.250          2,346.69         80
                                       7.000          2,346.69
    FREMONT          CA   94538          5            11/19/02         00
    0435171871                           05           01/01/03          0
    7333012307                           O            12/01/32
    0

    8301255          758/G02             F          485,900.00         ZZ
                                         360        485,900.00          1
                                       6.125          2,952.38         77
                                       5.875          2,952.38
    HOUSTON          TX   77057          5            12/12/02         00
    0435132378                           03           02/01/03          0
    102751                               O            01/01/33
    0

    8301335          952/G02             F          195,000.00         T
                                         360        195,000.00          1
                                       6.500          1,232.53         40
                                       6.250          1,232.53
    LAVALLETTE       NJ   08735          5            12/09/02         00
    0435139936                           05           02/01/03          0
    00620178                             O            01/01/33
    0

    8301411          T09/G02             F          385,000.00         ZZ
                                         360        385,000.00          1
                                       6.500          2,433.46         80
                                       6.250          2,433.46
    ATASCADERO       CA   93422          5            12/02/02         00
    0435151824                           05           02/01/03          0
    2002189200                           O            01/01/33
    0

    8301473          E82/G02             F          199,850.00         ZZ
                                         360        199,850.00          1
                                       6.375          1,246.80         83
                                       6.125          1,246.80
    FOUNTAIN VALLEY  CA   92708          5            12/12/02         10
    0400745162                           03           02/01/03         12
    0400745162                           O            01/01/33
    0

    8301501          S27/G02             F          121,500.00         ZZ
                                         360        121,500.00          2
1

                                       7.125            818.57         90
                                       6.875            818.57
    CHICAGO          IL   60620          1            12/17/02         10
    0435135983                           05           02/01/03         35
    1830003697                           N            01/01/33
    0

    8301545          532/G02             F          120,800.00         ZZ
                                         360        120,800.00          1
                                       6.125            733.99         78
                                       5.875            733.99
    SHERWOOD         OR   97140          5            12/03/02         00
    0435136098                           05           02/01/03          0
    PF03055                              O            01/01/33
    0

    8301925          975/G02             F          308,800.00         ZZ
                                         360        308,800.00          1
                                       6.375          1,926.51         80
                                       6.125          1,926.51
    TEMPLE CITY      CA   91780          1            12/13/02         00
    0435137567                           29           02/01/03          0
    2025625                              O            01/01/33
    0

    8301975          F34/G02             F          248,400.00         ZZ
                                         360        248,206.22          1
                                       7.250          1,694.53         90
                                       7.000          1,694.53
    HARPERS FERRY    WV   25425          5            11/27/02         11
    0435141510                           03           01/01/03         30
    81210003                             O            12/01/32
    0

    8301977          W40/G02             F           74,000.00         ZZ
                                         360         74,000.00          1
                                       6.750            479.96         95
                                       6.500            479.96
    PORT HURON       MI   48060          2            12/13/02         01
    0435140744                           05           02/01/03         30
    1010154426                           O            01/01/33
    0

    8301981          X13/G02             F          363,000.00         ZZ
                                         360        363,000.00          1
                                       6.250          2,235.06         79
                                       6.000          2,235.06
    SLOUGHHOUSE      CA   95683          5            12/09/02         00
    0435135405                           03           02/01/03          0
1

    0652884                              O            01/01/33
    0

    8302029          N67/G02             F          106,400.00         ZZ
                                         360        106,400.00          1
                                       6.250            655.12         80
                                       6.000            655.12
    PHOENIX          AZ   85027          2            12/12/02         00
    0435126602                           03           02/01/03          0
    1760003419                           O            01/01/33
    0

    8302059          U05/G02             F           80,000.00         ZZ
                                         360         80,000.00          1
                                       7.250            545.74         54
                                       7.000            545.74
    LAMPASAS         TX   76550          5            12/06/02         00
    0435134226                           05           02/01/03          0
    3285406                              O            01/01/33
    0

    8302069          H81/G02             F          272,000.00         ZZ
                                         360        272,000.00          1
                                       6.875          1,786.85         80
                                       6.625          1,786.85
    FRANKLIN         WI   53132          2            12/06/02         00
    0435165295                           05           02/01/03          0
    WH17104                              O            01/01/33
    0

    8302359          S25/G02             F           48,300.00         ZZ
                                         300         48,185.04          1
                                       7.250            349.12         51
                                       7.000            349.12
    WINSTON SALEM    NC   27105          5            11/20/02         00
    0435134218                           05           12/26/02          0
    243462402                            O            11/26/27
    0

    8302375          X08/G02             F          166,000.00         ZZ
                                         360        165,846.26          1
                                       6.375          1,035.62         80
                                       6.125          1,035.62
    NORTH LOGAN      UT   84341          2            11/20/02         00
    0435151121                           05           01/01/03          0
    6013534                              N            12/01/32
    0

1

    8302385          P34/G02             F          116,700.00         ZZ
                                         360        116,700.00          1
                                       6.875            766.64         91
                                       6.625            766.64
    NORTH PROVIDENC  RI   02911          2            12/06/02         10
    0435174743                           01           02/01/03         30
    15615                                O            01/01/33
    0

    8302421          N47/G02             F          260,000.00         ZZ
                                         360        260,000.00          1
                                       6.375          1,622.06         58
                                       6.125          1,622.06
    SAN JOSE         CA   95148          2            12/12/02         00
    0435175914                           05           02/01/03          0
    20500629                             O            01/01/33
    0

    8302439          X05/G02             F          348,000.00         ZZ
                                         360        348,000.00          1
                                       6.375          2,171.07         80
                                       6.125          2,171.07
    PLACENTIA        CA   92870          5            11/26/02         00
    0435140090                           03           02/01/03          0
    01210081                             O            01/01/33
    0

    8302483          642/G02             F          150,000.00         ZZ
                                         360        150,000.00          1
                                       6.500            948.10         79
                                       6.250            948.10
    MILLERSBURG      PA   17061          5            12/12/02         00
    0435129523                           05           02/01/03          0
    11183702                             O            01/01/33
    0

    8302523          T09/G02             F          428,000.00         ZZ
                                         360        428,000.00          1
                                       6.375          2,670.16         80
                                       6.125          2,670.16
    SAN LUIS OBISPO  CA   93405          1            12/17/02         00
    0435184874                           05           02/01/03          0
    2002222500                           O            01/01/33
    0

    8302619          E47/G02             F           92,000.00         ZZ
                                         360         92,000.00          1
                                       6.500            581.50         80
                                       6.250            581.50
1

    CHARLOTTE        NC   28227          1            12/13/02         00
    0435133392                           05           02/01/03          0
    7350510560                           N            01/01/33
    0

    8302835          E47/G02             F          245,650.00         ZZ
                                         360        245,650.00          1
                                       6.375          1,532.54         47
                                       6.125          1,532.54
    FORT WORTH       TX   76107          5            12/12/02         00
    0435194584                           05           02/01/03          0
    73620103404                          O            01/01/33
    0

    8302865          P44/G02             F          107,200.00         T
                                         360        107,200.00          1
                                       6.875            704.23         80
                                       6.625            704.23
    DENNIS           MA   02638          1            12/17/02         00
    0435128855                           01           02/01/03          0
    1                                    O            01/01/33
    0

    8302959          K15/G02             F          140,100.00         ZZ
                                         360        140,100.00          1
                                       6.500            885.53         63
                                       6.250            885.53
    LOUISVILLE       KY   40241          5            12/12/02         00
    0435127451                           05           02/01/03          0
    281055047182165                      O            01/01/33
    0

    8303017          A06/G02             F          144,000.00         ZZ
                                         360        143,866.62          1
                                       6.375            898.38         80
                                       6.125            898.38
    ALLEN PARK       MI   48101          5            11/12/02         00
    0435131404                           05           01/01/03          0
    021000020227613                      O            12/01/32
    0

    8303021          W02/G02             F           60,000.00         ZZ
                                         360         60,000.00          1
                                       6.625            384.19         80
                                       6.375            384.19
    MIAMI            FL   33157          5            12/10/02         00
    0435183470                           05           02/01/03          0
    1001764596                           O            01/01/33
    0
1

    8303023          B76/G02             F          268,200.00         ZZ
                                         360        268,200.00          3
                                       7.500          1,875.30         90
                                       7.250          1,875.30
    LOWELL           MA   01851          1            12/13/02         01
    0435132097                           05           02/01/03         25
    0004620407                           N            01/01/33
    0

    8303025          975/G02             F          300,700.00         ZZ
                                         360        300,700.00          1
                                       6.375          1,875.98         74
                                       6.125          1,875.98
    LOS ANGELES      CA   90041          1            12/09/02         00
    0435132436                           05           02/01/03          0
    2025163                              O            01/01/33
    0

    8303051          B76/G02             F           60,000.00         ZZ
                                         360         60,000.00          1
                                       7.375            414.41         80
                                       7.125            414.41
    ROMULUS          MI   48174          1            12/06/02         00
    0435131842                           05           02/01/03          0
    0004619755                           N            01/01/33
    0

    8303413          E82/G02             F           76,500.00         ZZ
                                         360         76,500.00          4
                                       6.375            477.26         90
                                       6.125            477.26
    KANSAS CITY      MO   64111          2            12/17/02         04
    0400746350                           05           02/01/03         30
    6832756                              O            01/01/33
    0

    8303427          E82/G02             F          140,000.00         ZZ
                                         360        140,000.00          1
                                       6.625            896.44         94
                                       6.375            896.44
    RALEIGH          NC   27610          2            12/17/02         04
    0400738530                           03           02/01/03         30
    0400738530                           O            01/01/33
    0

    8303437          E82/G02             F           95,200.00         ZZ
                                         360         95,200.00          1
1

                                       6.500            601.73         80
                                       6.250            601.73
    WEATHERFORD      TX   76088          2            12/05/02         00
    0400724472                           05           02/01/03          0
    0400724472                           O            01/01/33
    0

    8303439          E82/G02             F          113,500.00         ZZ
                                         360        113,500.00          1
                                       7.250            774.27         74
                                       7.000            774.27
    BURLINGTON       NC   27215          5            12/16/02         00
    0400739884                           05           02/01/03          0
    0400739884                           O            01/01/33
    0

    8303559          E22/G02             F          359,000.00         ZZ
                                         360        359,000.00          1
                                       6.000          2,152.39         48
                                       5.750          2,152.39
    LONG BEACH       CA   90803          5            12/13/02         00
    0415428986                           05           02/01/03          0
    0415428986                           O            01/01/33
    0

    8303563          E22/G02             F          156,000.00         ZZ
                                         360        156,000.00          1
                                       6.500            986.03         54
                                       6.250            986.03
    SOPCHOPPY        FL   32358          5            12/13/02         00
    0415436799                           05           02/01/03          0
    0415436799                           O            01/01/33
    0

    8303575          E22/G02             F          135,000.00         ZZ
                                         360        135,000.00          1
                                       6.500            853.29         90
                                       6.250            853.29
    MT. PLEASANT     SC   29464          1            12/19/02         10
    0415650183                           05           02/01/03         30
    0415650183                           O            01/01/33
    0

    8303589          E22/G02             F          228,000.00         ZZ
                                         360        228,000.00          1
                                       7.000          1,516.89         80
                                       6.750          1,516.89
    LAKE WORTH       FL   33460          1            12/19/02         00
    0415672898                           05           02/01/03          0
1

    0415672898                           O            01/01/33
    0

    8303593          E22/G02             F          144,900.00         ZZ
                                         360        144,900.00          1
                                       7.250            988.47         88
                                       7.000            988.47
    MORENO VALLEY    CA   92553          1            12/11/02         04
    0415676964                           05           02/01/03         25
    0415676964                           O            01/01/33
    0

    8303607          E22/G02             F          132,400.00         ZZ
                                         360        132,400.00          2
                                       6.500            836.86         80
                                       6.250            836.86
    MI WUK VILLAGE   CA   95346          1            12/13/02         00
    0415702588                           05           02/01/03          0
    0415702588                           N            01/01/33
    0

    8303615          E22/G02             F          444,000.00         ZZ
                                         360        444,000.00          1
                                       6.750          2,879.78         80
                                       6.500          2,879.78
    R. SANTA MARGAR  CA   92679          5            12/10/02         00
    0415459924                           03           02/01/03          0
    0415459924                           O            01/01/33
    0

    8303627          E22/G02             F          522,000.00         ZZ
                                         360        522,000.00          1
                                       6.250          3,214.04         80
                                       6.000          3,214.04
    BEN LOMOND       CA   95005          5            12/09/02         00
    0415506419                           05           02/01/03          0
    0415506419                           O            01/01/33
    0

    8303635          E22/G02             F          130,500.00         ZZ
                                         360        130,500.00          2
                                       7.500            912.47         90
                                       7.250            912.47
    MIRAMAR          FL   33023          1            12/19/02         04
    0415515048                           05           02/01/03         25
    0415515048                           N            01/01/33
    0

1

    8303645          E22/G02             F          179,920.00         ZZ
                                         360        179,920.00          1
                                       6.375          1,122.47         80
                                       6.125          1,122.47
    NORTH CAPE MAY   NJ   08204          1            12/19/02         00
    0415547116                           05           02/01/03          0
    0415547116                           O            01/01/33
    0

    8303665          E22/G02             F          143,000.00         ZZ
                                         360        143,000.00          1
                                       6.500            903.86         78
                                       6.250            903.86
    ELK GROVE        CA   95624          2            12/10/02         00
    0415589738                           05           02/01/03          0
    0415589738                           O            01/01/33
    0

    8303671          E22/G02             F           99,000.00         ZZ
                                         360         99,000.00          4
                                       7.875            717.82         90
                                       7.625            717.82
    MADISON          AL   35758          1            12/19/02         04
    0415602952                           05           02/01/03         25
    0415602952                           N            01/01/33
    0

    8303673          E22/G02             F          157,000.00         ZZ
                                         360        157,000.00          1
                                       6.875          1,031.38         75
                                       6.625          1,031.38
    ARROYO SECO      NM   87514          5            12/19/02         00
    0415604578                           05           02/01/03          0
    0415604578                           N            01/01/33
    0

    8303679          E22/G02             F          135,000.00         ZZ
                                         360        135,000.00          4
                                       7.625            955.52         86
                                       7.375            955.52
    NEW ORLEANS      LA   70119          2            12/19/02         04
    0415610294                           05           02/01/03         25
    0415610294                           N            01/01/33
    0

    8303683          E22/G02             F          383,200.00         ZZ
                                         360        383,200.00          1
                                       6.375          2,390.67         80
                                       6.125          2,390.67
1

    LOS ANGELES      CA   91364          1            12/11/02         00
    0415617752                           05           02/01/03          0
    0415617752                           O            01/01/33
    0

    8303687          E22/G02             F           90,000.00         ZZ
                                         360         90,000.00          1
                                       7.250            613.96         72
                                       7.000            613.96
    CORTEZ           CO   81321          2            12/19/02         00
    0415624758                           05           02/01/03          0
    0415624758                           N            01/01/33
    0

    8303695          E22/G02             F           52,000.00         ZZ
                                         360         52,000.00          1
                                       6.875            341.60         80
                                       6.625            341.60
    PUEBLO           CO   81004          2            12/19/02         00
    0415644400                           05           02/01/03          0
    0415644400                           N            01/01/33
    0

    8303703          E22/G02             F          170,733.00         ZZ
                                         360        170,733.00          1
                                       6.750          1,107.37         95
                                       6.500          1,107.37
    CHICAGO          IL   60639          5            12/09/02         11
    0415258854                           05           02/01/03         30
    0415258854                           O            01/01/33
    0

    8303773          773/G02             F          396,000.00         ZZ
                                         360        396,000.00          1
                                       5.875          2,342.49         80
                                       5.625          2,342.49
    HUDSON           MA   01749          5            11/26/02         00
    0435122908                           05           02/01/03          0
    80028516                             O            01/01/33
    0

    8303853          M37/G02             F          139,200.00         ZZ
                                         360        139,200.00          1
                                       6.375            868.43         80
                                       6.125            868.43
    CHEYENE          WY   82001          1            12/10/02         00
    0435191036                           05           02/01/03          0
    610408                               O            01/01/33
    0
1

    8303953          U28/G02             F           91,000.00         ZZ
                                         360         90,929.01          1
                                       7.250            620.78         74
                                       7.000            620.78
    MYRTLE BEACH     SC   29588          5            12/09/02         00
    0435155023                           03           01/01/03          0
    1                                    N            12/01/32
    0

    8303971          M27/G02             F           52,000.00         ZZ
                                         360         52,000.00          1
                                       7.000            345.96         66
                                       6.750            345.96
    MEMPHIS          TN   38111          2            12/11/02         00
    0435133335                           05           02/01/03          0
    5000072043                           N            01/01/33
    0

    8304111          575/G02             F          143,900.00         ZZ
                                         360        143,782.04          1
                                       7.000            957.38         80
                                       6.750            957.38
    HENDERSONVILLE   TN   37075          1            11/25/02         00
    0435140264                           05           01/01/03          0
    0014116529                           N            12/01/32
    0

    8304115          P44/G02             F          149,000.00         ZZ
                                         360        149,000.00          1
                                       7.625          1,054.61         95
                                       7.375          1,054.61
    DOVER            NH   03821          5            12/09/02         10
    0435137625                           01           02/01/03         30
    003305403                            O            01/01/33
    0

    8304217          U42/G02             F           60,000.00         ZZ
                                         360         59,950.82          1
                                       7.000            399.18         58
                                       6.750            399.18
    FORT WORTH       TX   76109          5            11/25/02         00
    0435156989                           05           01/01/03          0
    33201233                             O            12/01/32
    0

    8304705          U05/G02             F          372,850.00         ZZ
                                         360        372,850.00          1
1

                                       6.750          2,418.30         80
                                       6.500          2,418.30
    PEMBROKE PINES   FL   33029          1            12/12/02         00
    0435134705                           03           02/01/03          0
    3291512                              O            01/01/33
    0

    8304783          G34/G02             F           20,400.00         ZZ
                                         360         20,400.00          1
                                       7.250            139.16         79
                                       7.000            139.16
    LAS VEGAS        NV   89101          1            12/13/02         00
    0435140017                           01           02/01/03          0
    39012561                             N            01/01/33
    0

    8305137          E82/G02             F          121,100.00         ZZ
                                         360        121,100.00          1
                                       6.375            755.51         87
                                       6.125            755.51
    SEMINOLE         AL   36574          2            12/19/02         10
    0400706180                           05           02/01/03         25
    5097268                              O            01/01/33
    0

    8305141          E82/G02             F          130,000.00         ZZ
                                         360        130,000.00          1
                                       6.875            854.01         79
                                       6.625            854.01
    RIVERVIEW        FL   33569          5            12/19/02         00
    0400726378                           03           02/01/03          0
    7414654                              O            01/01/33
    0

    8305171          E82/G02             F          286,200.00         ZZ
                                         360        286,200.00          1
                                       6.500          1,808.98         68
                                       6.250          1,808.98
    CARMEL           IN   46033          2            12/19/02         00
    0400752267                           03           02/01/03          0
    1631558                              O            01/01/33
    0

    8305221          E82/G02             F          105,000.00         ZZ
                                         360        105,000.00          1
                                       6.375            655.06         70
                                       6.125            655.06
    PORTLAND         ME   04102          5            12/19/02         00
    0400748257                           05           02/01/03          0
1

    0400748257                           O            01/01/33
    0

    8305305          S11/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.875          2,627.72         77
                                       6.625          2,627.72
    COTO DE CAZA AR  CA   92679          1            12/17/02         00
    0435145123                           03           02/01/03          0
    10300066                             N            01/01/33
    0

    8305341          U35/G02             F          138,000.00         ZZ
                                         360        138,000.00          1
                                       7.375            953.13         80
                                       7.125            953.13
    FRESNO           CA   93710          1            12/19/02         00
    0435170576                           05           02/01/03          0
    0007540102                           N            01/01/33
    0

    8305345          N74/G02             F           97,500.00         ZZ
                                         360         97,500.00          1
                                       6.750            632.38         75
                                       6.500            632.38
    SPRINGDALE       AR   72762          5            12/16/02         00
    0435130166                           05           02/01/03          0
    0031350010                           O            01/01/33
    0

    8305363          E22/G02             F          194,000.00         ZZ
                                         360        194,000.00          1
                                       6.625          1,242.20         60
                                       6.375          1,242.20
    BLOOMFIELD       NJ   07003          5            12/16/02         00
    0415636737                           05           02/01/03          0
    0415636737                           O            01/01/33
    0

    8305377          E22/G02             F          102,400.00         ZZ
                                         360        102,400.00          1
                                       7.625            724.78         80
                                       7.375            724.78
    FORT LAUDERDALE  FL   33334          1            12/20/02         00
    0415645340                           05           02/01/03          0
    0415645340                           N            01/01/33
    0

1

    8305379          E22/G02             F          155,000.00         ZZ
                                         360        155,000.00          1
                                       6.375            967.00         66
                                       6.125            967.00
    FARMINGTON HILL  MI   48334          5            12/16/02         00
    0415647577                           05           02/01/03          0
    0415647577                           O            01/01/33
    0

    8305391          E22/G02             F          118,000.00         ZZ
                                         360        118,000.00          2
                                       7.250            804.97         75
                                       7.000            804.97
    ELIZABETH        NJ   07201          1            12/20/02         00
    0415655711                           05           02/01/03          0
    0415655711                           N            01/01/33
    0

    8305399          E22/G02             F          166,250.00         ZZ
                                         360        166,250.00          1
                                       7.250          1,134.12         95
                                       7.000          1,134.12
    ROUND LAKE       IL   60073          5            12/16/02         11
    0415668219                           05           02/01/03         30
    0415668219                           O            01/01/33
    0

    8305417          E22/G02             F          420,000.00         ZZ
                                         360        420,000.00          1
                                       6.500          2,654.69         60
                                       6.250          2,654.69
    VAIL             CO   81657          1            12/20/02         00
    0415678515                           21           02/01/03          0
    0415678515                           O            01/01/33
    0

    8305421          E22/G02             F          148,000.00         ZZ
                                         360        148,000.00          1
                                       6.250            911.26         80
                                       6.000            911.26
    COCONUT CREEK    FL   33073          2            12/16/02         00
    0415678598                           03           02/01/03          0
    0415678598                           O            01/01/33
    0

    8305441          E22/G02             F           44,100.00         ZZ
                                         360         44,100.00          1
                                       7.000            293.40         90
                                       6.750            293.40
1

    RANCHO CORDOVA   CA   95670          1            12/16/02         04
    0415709542                           05           02/01/03         25
    0415709542                           N            01/01/33
    0

    8305447          E22/G02             F           92,700.00         ZZ
                                         360         92,700.00          3
                                       7.250            632.38         90
                                       7.000            632.38
    MUSKEGON         MI   49441          1            12/20/02         04
    0415718394                           05           02/01/03         25
    0415718394                           N            01/01/33
    0

    8305455          E22/G02             F          125,962.00         ZZ
                                         360        125,962.00          1
                                       6.375            785.84         75
                                       6.125            785.84
    EVERETT          WA   98205          1            12/19/02         00
    0415722156                           03           02/01/03          0
    0415722156                           N            01/01/33
    0

    8305461          E22/G02             F          117,515.00         ZZ
                                         360        117,515.00          1
                                       7.000            781.83         95
                                       6.750            781.83
    NUNICA           MI   49448          1            12/20/02         11
    0415761931                           05           02/01/03         35
    0415761931                           O            01/01/33
    0

    8305463          E22/G02             F          385,000.00         ZZ
                                         360        385,000.00          1
                                       6.375          2,401.90         68
                                       6.125          2,401.90
    OAKLAND          CA   94605          5            12/12/02         00
    0415478007                           05           02/01/03          0
    0415478007                           O            01/01/33
    0

    8305487          E22/G02             F          285,000.00         ZZ
                                         360        285,000.00          1
                                       6.375          1,778.03         79
                                       6.125          1,778.03
    SAN JOSE         CA   95112          5            12/02/02         00
    0415529973                           05           02/01/03          0
    0415529973                           O            01/01/33
    0
1

    8305503          E22/G02             F          119,100.00         ZZ
                                         360        119,100.00          1
                                       6.750            772.48         80
                                       6.500            772.48
    SPRING HILL      KS   66083          5            12/16/02         00
    0415546647                           05           02/01/03          0
    0415546647                           O            01/01/33
    0

    8305507          E22/G02             F          102,844.00         ZZ
                                         360        102,844.00          1
                                       6.875            675.61         97
                                       6.625            675.61
    LOUISVILLE       KY   40228          1            12/20/02         10
    0415547843                           01           02/01/03         35
    0415547843                           O            01/01/33
    0

    8305511          E22/G02             F          225,000.00         ZZ
                                         360        224,824.48          1
                                       7.250          1,534.90         90
                                       7.000          1,534.90
    MIAMI            FL   33032          1            11/27/02         04
    0415559632                           05           01/01/03         30
    0415559632                           O            12/01/32
    0

    8305525          E22/G02             F          114,950.00         ZZ
                                         360        114,950.00          1
                                       6.375            717.14         95
                                       6.125            717.14
    PORT ORCHARD     WA   98366          5            12/16/02         04
    0415577881                           05           02/01/03         30
    0415577881                           O            01/01/33
    0

    8305531          E22/G02             F          174,200.00         ZZ
                                         360        174,200.00          1
                                       6.875          1,144.37         85
                                       6.625          1,144.37
    GLASSBORO        NJ   08028          2            12/16/02         01
    0415588482                           05           02/01/03         12
    0415588482                           O            01/01/33
    0

    8305535          E22/G02             F          250,000.00         ZZ
                                         360        250,000.00          1
1

                                       6.250          1,539.29         80
                                       6.000          1,539.29
    SUGAR LAND       TX   77479          5            12/16/02         00
    0415592831                           03           02/01/03          0
    0415592831                           O            01/01/33
    0

    8305549          E22/G02             F          119,000.00         ZZ
                                         360        119,000.00          1
                                       6.500            752.16         70
                                       6.250            752.16
    SALT LAKE CITY   UT   84102          1            12/13/02         00
    0415612332                           08           02/01/03          0
    0415612332                           O            01/01/33
    0

    8305553          E22/G02             F          124,000.00         T
                                         360        124,000.00          1
                                       6.375            773.60         80
                                       6.125            773.60
    SMITH RIVER      CA   95567          1            12/12/02         00
    0414656199                           05           02/01/03          0
    0414656199                           O            01/01/33
    0

    8305565          E22/G02             F          399,950.00         ZZ
                                         360        399,950.00          1
                                       6.250          2,462.56         48
                                       6.000          2,462.56
    OAKLAND          CA   94611          5            12/11/02         00
    0415187137                           05           02/01/03          0
    0415187137                           O            01/01/33
    0

    8305569          E22/G02             F          456,640.00         ZZ
                                         360        456,640.00          1
                                       6.500          2,886.28         79
                                       6.250          2,886.28
    SHELL BEACH      CA   93449          5            12/09/02         00
    0415198555                           03           02/01/03          0
    0415198555                           O            01/01/33
    0

    8305589          E22/G02             F           88,200.00         ZZ
                                         360         88,200.00          1
                                       6.375            550.25         90
                                       6.125            550.25
    EMPORIA          KS   66801          2            12/16/02         01
    0415265115                           05           02/01/03         25
1

    0415265115                           O            01/01/33
    0

    8305591          E22/G02             F          223,200.00         ZZ
                                         360        223,200.00          1
                                       7.250          1,522.62         80
                                       7.000          1,522.62
    SLEEPY HOLLOW    IL   60118          5            12/16/02         00
    0415334630                           05           02/01/03          0
    0415334630                           O            01/01/33
    0

    8305613          E22/G02             F          186,200.00         ZZ
                                         360        186,200.00          1
                                       6.500          1,176.91         66
                                       6.250          1,176.91
    HAYWARD          CA   94541          5            12/13/02         00
    0415412733                           05           02/01/03          0
    0415412733                           O            01/01/33
    0

    8305623          E22/G02             F           99,750.00         ZZ
                                         360         99,750.00          1
                                       7.875            723.26         95
                                       7.625            723.26
    BOONEVILLE       MS   38829          5            12/16/02         11
    0415433614                           05           02/01/03         30
    0415433614                           O            01/01/33
    0

    8305627          E22/G02             F           85,200.00         ZZ
                                         360         85,200.00          1
                                       6.250            524.59         80
                                       6.000            524.59
    PUEBLO           CO   81005          1            12/19/02         00
    0415447226                           05           02/01/03          0
    0415447226                           N            01/01/33
    0

    8305651          E22/G02             F          221,000.00         ZZ
                                         360        221,000.00          1
                                       6.500          1,396.87         87
                                       6.250          1,396.87
    ALBUQUERQUE      NM   87120          2            12/16/02         01
    0415468297                           05           02/01/03         25
    0415468297                           O            01/01/33
    0

1

    8305655          E22/G02             F          162,400.00         ZZ
                                         360        162,400.00          1
                                       6.500          1,026.48         80
                                       6.250          1,026.48
    SOMERVILLE       NJ   08876          5            12/16/02         00
    0415477066                           01           02/01/03          0
    0415477066                           O            01/01/33
    0

    8305661          E22/G02             F          272,000.00         ZZ
                                         360        272,000.00          1
                                       6.750          1,764.19         78
                                       6.500          1,764.19
    SANTA ROSA       CA   95401          5            12/12/02         00
    0415477900                           05           02/01/03          0
    0415477900                           O            01/01/33
    0

    8305737          313/G02             F          227,920.00         ZZ
                                         360        227,723.77          1
                                       6.750          1,478.28         80
                                       6.500          1,478.28
    PLANO            TX   75023          1            11/22/02         00
    0435130299                           05           01/01/03          0
    0009198243                           O            12/01/32
    0

    8305739          X13/G02             F          387,900.00         ZZ
                                         360        387,900.00          1
                                       6.250          2,388.37         90
                                       6.000          2,388.37
    VIENNA           VA   22181          5            12/04/02         04
    0435142252                           05           02/01/03         25
    0643729                              O            01/01/33
    0

    8305779          B44/G02             F          143,677.00         ZZ
                                         360        143,677.00          1
                                       6.500            908.14         80
                                       6.250            908.14
    MERIDIAN         ID   83642          1            12/09/02         00
    0435138904                           05           02/01/03          0
    4021610                              O            01/01/33
    0

    8305803          738/G02             F           85,000.00         ZZ
                                         360         84,938.47          1
                                       7.625            601.63         80
                                       7.375            601.63
1

    SNELLVILLE       GA   30039          1            11/27/02         00
    0435168398                           05           01/01/03          0
    40726131                             N            12/01/32
    0

    8305821          R84/G02             F          380,000.00         ZZ
                                         360        380,000.00          1
                                       6.375          2,370.71         80
                                       6.125          2,370.71
    SEATTLE          WA   98177          5            12/02/02         00
    0435131677                           05           02/01/03          0
    WA102436                             O            01/01/33
    0

    8305841          N74/G02             F          127,500.00         ZZ
                                         360        127,384.74          1
                                       6.500            805.89         85
                                       6.250            805.89
    FREDERICKSBURG   VA   22407          5            12/17/02         10
    0435128608                           05           01/23/03         12
    0031353010                           O            12/23/32
    0

    8305855          G27/G02             F          138,000.00         ZZ
                                         360        138,000.00          1
                                       6.625            883.63         74
                                       6.375            883.63
    MANTECA          CA   95337          5            12/16/02         00
    0435135256                           05           02/01/03          0
    10002076                             O            01/01/33
    0

    8305863          N74/G02             F          101,300.00         ZZ
                                         360        101,300.00          1
                                       6.500            640.28         76
                                       6.250            640.28
    HUNTSVILLE       AR   72740          2            12/16/02         00
    0435129697                           05           02/01/03          0
    0031349010                           O            01/01/33
    0

    8305887          P59/G02             F          161,000.00         ZZ
                                         360        161,000.00          1
                                       6.375          1,004.43         61
                                       6.125          1,004.43
    PASO ROBLES      CA   93446          5            12/10/02         00
    0435128442                           05           02/01/03          0
    AT005026                             O            01/01/33
    0
1

    8305901          N47/G02             F          281,250.00         ZZ
                                         360        281,250.00          1
                                       6.875          1,847.61         75
                                       6.625          1,847.61
    SAN DIEGO        CA   92119          2            12/12/02         00
    0435176177                           05           02/01/03          0
    30501011                             O            01/01/33
    0

    8305903          B28/G02             F          150,575.00         ZZ
                                         360        150,575.00          1
                                       6.875            989.18         95
                                       6.625            989.18
    WOODLAND PARK    CO   80863          1            12/11/02         01
    0435130372                           05           02/01/03         30
    05900335                             O            01/01/33
    0

    8305931          S43/G02             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.625          3,201.55         80
                                       6.375          3,201.55
    ALBUQUERQUE      NM   87122          2            12/04/02         00
    0435147426                           05           02/01/03          0
    022189                               O            01/01/33
    0

    8305955          420/G02             F          254,000.00         ZZ
                                         360        254,000.00          1
                                       6.250          1,563.92         80
                                       6.000          1,563.92
    SANTA ROSA       CA   95403          2            11/27/02         00
    0435134960                           05           02/01/03          0
    72004396                             O            01/01/33
    0

    8305965          N47/G02             F          271,000.00         ZZ
                                         360        271,000.00          1
                                       6.125          1,646.62         71
                                       5.875          1,646.62
    SEASIDE          CA   93955          2            12/09/02         00
    0435151667                           05           02/01/03          0
    20501112                             N            01/01/33
    0

    8305981          N47/G02             F          326,000.00         ZZ
                                         360        326,000.00          1
1

                                       6.250          2,007.24         60
                                       6.000          2,007.24
    MILPITAS         CA   95035          5            12/12/02         00
    0435134689                           05           02/01/03          0
    20500883                             O            01/01/33
    0

    8305989          E11/G02             F          528,750.00         ZZ
                                         360        528,750.00          1
                                       6.625          3,385.64         75
                                       6.375          3,385.64
    GREENFIELD       MN   55357          5            12/13/02         00
    0435142922                           05           02/01/03          0
    30010507                             O            01/01/33
    0

    8305995          420/G02             F          374,000.00         ZZ
                                         360        373,661.90          1
                                       6.500          2,363.93         66
                                       6.250          2,363.93
    SEBASTOPOL       CA   95472          2            11/25/02         00
    0435129978                           05           01/01/03          0
    72004336                             N            12/01/32
    0

    8305999          N47/G02             F          180,000.00         ZZ
                                         360        180,000.00          1
                                       6.375          1,122.97         44
                                       6.125          1,122.97
    EAST PALO ALTO   CA   94303          5            12/09/02         00
    0435134788                           05           02/01/03          0
    20501081                             O            01/01/33
    0

    8306001          N47/G02             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.250          3,078.59         72
                                       6.000          3,078.59
    MONTEREY         CA   93940          5            12/03/02         00
    0435176425                           05           02/01/03          0
    20501054                             O            01/01/33
    0

    8306007          B57/G02             F          112,500.00         ZZ
                                         360        112,500.00          1
                                       6.875            739.05         90
                                       6.625            739.05
    LANCASTER        CA   93536          1            12/12/02         12
    0435156401                           07           02/01/03         25
1

    65000217                             N            01/01/33
    0

    8306011          N47/G02             F          244,000.00         ZZ
                                         360        244,000.00          1
                                       6.250          1,502.35         80
                                       6.000          1,502.35
    SAN DIEGO        CA   92117          5            12/13/02         00
    0435151527                           05           02/01/03          0
    30500992                             O            01/01/33
    0

    8306057          X51/G02             F          370,500.00         ZZ
                                         360        370,500.00          1
                                       6.250          2,281.23         65
                                       6.000          2,281.23
    (NORTHRIDGE ARE  CA   91325          5            12/11/02         00
    0435131164                           05           02/01/03          0
    R2054363                             O            01/01/33
    0

    8306095          M37/G02             F          224,000.00         ZZ
                                         360        224,000.00          1
                                       6.375          1,397.47         80
                                       6.125          1,397.47
    FLAGSTAFF        AZ   86004          1            12/02/02         00
    0435140389                           03           02/01/03          0
    610078                               O            01/01/33
    0

    8306143          N47/G02             F          262,500.00         ZZ
                                         360        262,500.00          1
                                       6.125          1,594.98         79
                                       5.875          1,594.98
    OCEANSIDE        CA   92054          5            12/09/02         00
    0435177241                           05           02/01/03          0
    30500759                             O            01/01/33
    0

    8306173          K15/G02             F          216,000.00         ZZ
                                         360        216,000.00          1
                                       6.250          1,329.95         80
                                       6.000          1,329.95
    RICHMOND HILL    NY   11419          5            12/11/02         00
    0435144209                           05           02/01/03          0
    020605507522                         O            01/01/33
    0

1

    8306185          Q30/G02             F           80,000.00         ZZ
                                         360         79,940.62          1
                                       7.500            559.38         88
                                       7.250            559.38
    SCRANTON         PA   18505          2            11/26/02         01
    0435140843                           05           01/01/03         25
    21018608                             O            12/01/32
    0

    8306415          Q14/G02             F          121,000.00         ZZ
                                         360        121,000.00          1
                                       6.250            745.02         75
                                       6.000            745.02
    WASHINGTON       IA   52353          5            12/12/02         00
    0435131883                           05           02/01/03          0
    0000210396                           O            01/01/33
    0

    8306423          G34/G02             F          117,400.00         ZZ
                                         360        117,400.00          1
                                       6.750            761.45         80
                                       6.500            761.45
    PAHRUMP          NV   89048          2            12/12/02         00
    0435132535                           05           02/01/03          0
    39102428                             N            01/01/33
    0

    8306425          Q14/G02             F          153,900.00         ZZ
                                         360        153,900.00          1
                                       7.625          1,089.29         95
                                       7.375          1,089.29
    GRAND RAPIDS     MI   49505          5            12/14/02         01
    0435132865                           05           02/01/03         30
    0000210517                           O            01/01/33
    0

    8306431          E44/G02             F          147,600.00         ZZ
                                         360        147,600.00          1
                                       6.375            920.83         74
                                       6.125            920.83
    SYRACUSE         UT   84075          2            12/17/02         00
    0435136817                           05           02/01/03          0
    58020609                             N            01/01/33
    0

    8306433          E11/G02             F          184,000.00         ZZ
                                         360        184,000.00          2
                                       6.625          1,178.17         80
                                       6.375          1,178.17
1

    MINNEAPOLIS      MN   55414          1            12/19/02         00
    0435136403                           05           02/01/03          0
    10001052750                          N            01/01/33
    0

    8306495          E11/G02             F          231,200.00         ZZ
                                         360        231,200.00          1
                                       7.250          1,577.19         80
                                       7.000          1,577.19
    MINNEAPOLIS      MN   55401          1            12/18/02         00
    0435133764                           01           02/01/03          0
    0010001048600                        N            01/01/33
    0

    8306507          940/G02             F           99,000.00         ZZ
                                         360         99,000.00          1
                                       6.500            625.75         34
                                       6.250            625.75
    APPLE VALLEY     CA   92307          1            12/13/02         00
    0435139324                           05           02/01/03          0
    65020611                             O            01/01/33
    0

    8306825          G34/G02             F          116,700.00         ZZ
                                         360        116,700.00          1
                                       6.750            756.91         79
                                       6.500            756.91
    PAHRUMP          NV   89048          2            12/12/02         00
    0435132857                           05           02/01/03          0
    39102427                             N            01/01/33
    0

    8306849          M12/G02             F           90,250.00         ZZ
                                         360         90,250.00          1
                                       6.250            555.68         86
                                       6.000            555.68
    TUCSON           AZ   85746          2            12/16/02         10
    0435146063                           05           02/01/03         30
    R0817                                O            01/01/33
    0

    8306941          G34/G02             F          117,400.00         ZZ
                                         360        117,400.00          1
                                       6.750            761.45         79
                                       6.500            761.45
    PAHRUMP          NV   89048          2            12/12/02         00
    0435132642                           05           02/01/03          0
    39102429                             N            01/01/33
    0
1

    8306951          F89/G02             F          162,700.00         ZZ
                                         240        162,700.00          1
                                       6.000          1,165.63         71
                                       5.750          1,165.63
    FONTANA          CA   92336          5            12/12/02         00
    0435143912                           05           02/01/03          0
    25530                                O            01/01/23
    0

    8307435          E82/G02             F          103,000.00         ZZ
                                         360        103,000.00          1
                                       7.250            702.64         80
                                       7.000            702.64
    RAGLAND          AL   35131          5            12/20/02         00
    0400747846                           05           02/01/03          0
    0400747846                           O            01/01/33
    0

    8307505          E82/G02             F           93,000.00         ZZ
                                         360         93,000.00          1
                                       6.500            587.82         88
                                       6.250            587.82
    CHARLOTTE        NC   28215          2            12/13/02         04
    0400738605                           05           02/01/03         25
    1955872                              O            01/01/33
    0

    8307527          E82/G02             F          459,200.00         ZZ
                                         360        459,200.00          1
                                       6.875          3,016.62         85
                                       6.625          3,016.62
    WEST CHESTER     PA   19380          2            12/20/02         10
    0400723201                           05           02/01/03         12
    5149948                              O            01/01/33
    0

    8307549          E82/G02             F          230,000.00         ZZ
                                         360        230,000.00          1
                                       6.375          1,434.90         78
                                       6.125          1,434.90
    HACKENSACK       NJ   07601          2            12/20/02         00
    0400752333                           05           02/01/03          0
    1787398                              O            01/01/33
    0

    8307569          E82/G02             F          151,500.00         ZZ
                                         360        151,500.00          1
1

                                       6.375            945.16         36
                                       6.125            945.16
    SCOTTSDALE       AZ   85255          2            12/16/02         00
    0400744355                           05           02/01/03          0
    1927832                              O            01/01/33
    0

    8307633          E82/G02             F          286,600.00         ZZ
                                         360        286,600.00          1
                                       6.625          1,835.13         77
                                       6.375          1,835.13
    SHERMAN          CT   06784          2            12/16/02         00
    0400743837                           05           02/01/03          0
    5962048                              O            01/01/33
    0

    8307635          E82/G02             F          177,500.00         ZZ
                                         360        177,500.00          1
                                       7.625          1,256.33         95
                                       7.375          1,256.33
    ALEXANDRIA       VA   22301          5            12/16/02         10
    0400728127                           01           02/01/03         30
    0400728127                           O            01/01/33
    0

    8307639          E82/G02             F           89,200.00         ZZ
                                         360         89,200.00          1
                                       6.000            534.80         49
                                       5.750            534.80
    LAS VEGAS        NV   89117          2            12/16/02         00
    0400746616                           03           02/01/03          0
    1714933                              O            01/01/33
    0

    8307701          E22/G02             F          120,800.00         ZZ
                                         360        120,800.00          1
                                       6.875            793.57         80
                                       6.625            793.57
    PRAIRE VILLAGE   KS   66208          5            12/23/02         00
    0415565902                           05           02/01/03          0
    0415565902                           N            01/01/33
    0

    8307703          E22/G02             F          412,000.00         ZZ
                                         360        412,000.00          1
                                       6.500          2,604.12         80
                                       6.250          2,604.12
    PASADENA         CA   91101          5            12/16/02         00
    0415566785                           05           02/01/03          0
1

    0415566785                           O            01/01/33
    0

    8307709          E22/G02             F           81,000.00         ZZ
                                         360         81,000.00          1
                                       7.000            538.90         90
                                       6.750            538.90
    ROSLINDALE       MA   02131          1            12/23/02         10
    0415570951                           01           02/01/03         25
    0415570951                           N            01/01/33
    0

    8307731          E22/G02             F          252,000.00         ZZ
                                         360        252,000.00          1
                                       6.750          1,634.47         80
                                       6.500          1,634.47
    WEST COVINA      CA   91791          1            12/12/02         00
    0414919993                           05           02/01/03          0
    0414919993                           O            01/01/33
    0

    8307775          E22/G02             F          452,000.00         ZZ
                                         360        452,000.00          1
                                       7.250          3,083.44         80
                                       7.000          3,083.44
    SEA RANCH LAKES  FL   33308          5            12/18/02         00
    0415330224                           03           02/01/03          0
    0415330224                           O            01/01/33
    0

    8307783          E22/G02             F          219,491.00         ZZ
                                         360        219,491.00          1
                                       6.875          1,441.90         90
                                       6.625          1,441.90
    MIAMI            FL   33193          1            12/23/02         04
    0415366293                           03           02/01/03         25
    0415366293                           O            01/01/33
    0

    8307789          E22/G02             F          156,100.00         ZZ
                                         360        156,100.00          1
                                       6.500            986.66         76
                                       6.250            986.66
    MAGNOLIA         TX   77354          5            12/11/02         00
    0415486299                           05           02/01/03          0
    0415486299                           O            01/01/33
    0

1

    8307791          E22/G02             F          243,650.00         ZZ
                                         360        243,650.00          3
                                       7.625          1,724.54         75
                                       7.375          1,724.54
    MANCHESTER       NH   03102          1            12/23/02         00
    0415487784                           05           02/01/03          0
    0415487784                           N            01/01/33
    0

    8307799          E22/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       6.375            549.01         28
                                       6.125            549.01
    CAMARILLO        CA   93012          5            12/17/02         00
    0415492826                           07           02/01/03          0
    0415492826                           O            01/01/33
    0

    8307803          E22/G02             F          174,000.00         ZZ
                                         360        174,000.00          1
                                       6.250          1,071.35         75
                                       6.000          1,071.35
    MIAMI            FL   33177          5            12/18/02         00
    0415497445                           05           02/01/03          0
    0415497445                           O            01/01/33
    0

    8307807          E22/G02             F          372,000.00         ZZ
                                         360        372,000.00          1
                                       6.375          2,320.80         80
                                       6.125          2,320.80
    WINDSOR          CA   95492          5            12/10/02         00
    0415498922                           05           02/01/03          0
    0415498922                           O            01/01/33
    0

    8307819          E22/G02             F          240,000.00         ZZ
                                         360        240,000.00          1
                                       6.375          1,497.29         79
                                       6.125          1,497.29
    PORTLAND         OR   97266          5            12/16/02         00
    0415507078                           05           02/01/03          0
    0415507078                           O            01/01/33
    0

    8307825          E22/G02             F           81,600.00         ZZ
                                         360         81,600.00          1
                                       7.250            556.66         80
                                       7.000            556.66
1

    MIAMI            FL   33179          2            12/18/02         00
    0415510965                           01           02/01/03          0
    0415510965                           O            01/01/33
    0

    8307827          E22/G02             F          240,000.00         ZZ
                                         360        240,000.00          1
                                       6.500          1,516.96         77
                                       6.250          1,516.96
    SARONA           WI   54870          5            12/18/02         00
    0415511047                           05           02/01/03          0
    0415511047                           O            01/01/33
    0

    8307829          E22/G02             F          619,000.00         ZZ
                                         360        619,000.00          1
                                       6.500          3,912.50         80
                                       6.250          3,912.50
    WALNUT CREEK     CA   94596          2            12/16/02         00
    0415589985                           03           02/01/03          0
    0415589985                           O            01/01/33
    0

    8307851          E22/G02             F          239,000.00         ZZ
                                         360        239,000.00          1
                                       6.375          1,491.05         80
                                       6.125          1,491.05
    MONTROSE         CO   81401          5            12/07/02         00
    0415597194                           05           02/01/03          0
    0415597194                           O            01/01/33
    0

    8307857          E22/G02             F           50,000.00         ZZ
                                         360         50,000.00          1
                                       6.375            311.93         42
                                       6.125            311.93
    SPOKANE          WA   99216          5            12/13/02         00
    0415601210                           05           02/01/03          0
    0415601210                           O            01/01/33
    0

    8307865          E22/G02             F          130,000.00         ZZ
                                         360        130,000.00          1
                                       6.625            832.40         62
                                       6.375            832.40
    EDISON           NJ   08817          2            12/18/02         00
    0415610153                           05           02/01/03          0
    0415610153                           O            01/01/33
    0
1

    8307869          E22/G02             F          225,000.00         ZZ
                                         360        225,000.00          1
                                       6.500          1,422.15         75
                                       6.250          1,422.15
    WARRENTON        VA   20186          5            12/18/02         00
    0415611185                           05           02/01/03          0
    0415611185                           O            01/01/33
    0

    8307877          E22/G02             F          393,000.00         ZZ
                                         360        393,000.00          1
                                       6.250          2,419.77         75
                                       6.000          2,419.77
    BELLEVUE         WA   98008          5            12/17/02         00
    0415619790                           05           02/01/03          0
    0415619790                           O            01/01/33
    0

    8307885          E22/G02             F          395,000.00         ZZ
                                         360        395,000.00          1
                                       6.375          2,464.29         76
                                       6.125          2,464.29
    LIVERMORE        CA   94551          5            12/17/02         00
    0415628197                           05           02/01/03          0
    0415628197                           O            01/01/33
    0

    8307887          E22/G02             F          280,000.00         ZZ
                                         360        280,000.00          1
                                       6.500          1,769.79         79
                                       6.250          1,769.79
    MANALAPAN        NJ   07726          5            12/17/02         00
    0415630664                           05           02/01/03          0
    0415630664                           O            01/01/33
    0

    8307889          E22/G02             F          123,200.00         ZZ
                                         360        123,200.00          1
                                       6.875            809.34         80
                                       6.625            809.34
    PRAIRIE VILLAGE  KS   66209          5            12/23/02         00
    0415630805                           05           02/01/03          0
    0415630805                           N            01/01/33
    0

    8307893          E22/G02             F          314,380.00         ZZ
                                         360        314,380.00          1
1

                                       6.500          1,987.10         77
                                       6.250          1,987.10
    BRENTWOOD        CA   94513          2            12/11/02         00
    0415633866                           05           02/01/03          0
    0415633866                           O            01/01/33
    0

    8307905          E22/G02             F          247,000.00         ZZ
                                         360        247,000.00          1
                                       6.250          1,520.82         80
                                       6.000          1,520.82
    POMPANO BEACH    FL   33060          2            12/18/02         00
    0415645282                           05           02/01/03          0
    0415645282                           O            01/01/33
    0

    8307907          E22/G02             F           65,250.00         ZZ
                                         360         65,250.00          1
                                       6.625            417.80         75
                                       6.375            417.80
    LAKE WORTH       FL   33460          5            12/23/02         00
    0416549979                           05           02/01/03          0
    0415649979                           N            01/01/33
    0

    8307909          E22/G02             F           90,900.00         ZZ
                                         360         90,900.00          1
                                       6.500            574.55         90
                                       6.250            574.55
    PALM COAST       FL   32137          1            12/23/02         10
    0415651082                           05           02/01/03         25
    0415651082                           N            01/01/33
    0

    8307915          E22/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       6.250            615.72         80
                                       6.000            615.72
    BOISE            ID   83706          5            12/17/02         00
    0415655794                           07           02/01/03          0
    0415655794                           O            01/01/33
    0

    8307927          E22/G02             F           93,600.00         ZZ
                                         360         93,600.00          1
                                       6.750            607.09         90
                                       6.500            607.09
    APPLE VALLEY     CA   92308          5            12/12/02         04
    0415667674                           05           02/01/03         25
1

    0415667674                           O            01/01/33
    0

    8307931          E22/G02             F           50,500.00         ZZ
                                         360         50,500.00          1
                                       6.875            331.75         58
                                       6.625            331.75
    ESSEXVILLE       MI   48732          5            12/17/02         00
    0415668003                           05           02/01/03          0
    0415668003                           O            01/01/33
    0

    8307935          E22/G02             F          154,800.00         ZZ
                                         360        154,800.00          1
                                       6.750          1,004.03         90
                                       6.500          1,004.03
    SALT LAKE CITY   UT   84109          1            12/19/02         10
    0415671775                           05           02/01/03         25
    0415671775                           N            01/01/33
    0

    8307937          E22/G02             F          189,900.00         ZZ
                                         360        189,900.00          1
                                       7.000          1,263.41        100
                                       6.750          1,263.41
    THE WOODLANDS    TX   77381          1            12/23/02         01
    0415672047                           03           02/01/03         35
    0415672047                           O            01/01/33
    0

    8307941          E22/G02             F          248,000.00         ZZ
                                         360        248,000.00          1
                                       7.750          1,776.70         80
                                       7.500          1,776.70
    SYKESVILLE       MD   21784          1            12/23/02         00
    0415678044                           05           02/01/03          0
    0415678044                           N            01/01/33
    0

    8307945          E22/G02             F          130,500.00         ZZ
                                         360        130,500.00          1
                                       6.625            835.61         87
                                       6.375            835.61
    GARDENDALE       AL   35071          5            12/18/02         04
    0415680685                           05           02/01/03         25
    0415680685                           O            01/01/33
    0

1

    8307951          E22/G02             F          118,150.00         ZZ
                                         360        118,150.00          1
                                       6.750            766.32         80
                                       6.500            766.32
    PIGEON FORGE     TN   37863          2            12/18/02         00
    0415684240                           05           02/01/03          0
    0415684240                           O            01/01/33
    0

    8307955          E22/G02             F          130,000.00         ZZ
                                         360        130,000.00          1
                                       6.375            811.03         90
                                       6.125            811.03
    DENVER           CO   80216          5            12/17/02         01
    0415687524                           05           02/01/03         25
    0415687524                           O            01/01/33
    0

    8307957          E22/G02             F          280,250.00         ZZ
                                         360        280,250.00          1
                                       6.500          1,771.37         95
                                       6.250          1,771.37
    MIRAMAR          FL   33027          5            12/17/02         04
    0415688977                           03           02/01/03         30
    0415688977                           O            01/01/33
    0

    8307959          E22/G02             F          234,821.00         ZZ
                                         360        234,821.00          1
                                       6.625          1,503.58         74
                                       6.375          1,503.58
    BYERS            CO   80103          5            12/18/02         00
    0415691849                           05           02/01/03          0
    0415691849                           O            01/01/33
    0

    8307963          E22/G02             F          395,000.00         ZZ
                                         360        395,000.00          1
                                       6.500          2,496.67         79
                                       6.250          2,496.67
    SAN JOSE         CA   95148          5            12/17/02         00
    0415704915                           05           02/01/03          0
    0415704915                           O            01/01/33
    0

    8307967          E22/G02             F          206,500.00         ZZ
                                         360        206,500.00          1
                                       6.375          1,288.29         78
                                       6.125          1,288.29
1

    ENGLEWOOD        CO   80110          5            12/18/02         00
    0415705771                           05           02/01/03          0
    0415705771                           O            01/01/33
    0

    8307969          E22/G02             F          191,000.00         ZZ
                                         360        191,000.00          1
                                       6.500          1,207.25         71
                                       6.250          1,207.25
    MAYWOOD          NJ   07607          5            12/18/02         00
    0415706001                           05           02/01/03          0
    0415706001                           O            01/01/33
    0

    8307971          E22/G02             F          289,000.00         ZZ
                                         360        289,000.00          1
                                       6.625          1,850.50         85
                                       6.375          1,850.50
    DEARBORN HEIGHT  MI   48127          2            12/18/02         11
    0415706647                           05           02/01/03         12
    0415706647                           O            01/01/33
    0

    8307973          E22/G02             F          170,000.00         ZZ
                                         360        170,000.00          3
                                       6.750          1,102.62         79
                                       6.500          1,102.62
    PROVIDENCE       RI   02909          5            12/18/02         00
    0415708676                           05           02/01/03          0
    0415708676                           O            01/01/33
    0

    8307985          E22/G02             F          250,000.00         ZZ
                                         360        250,000.00          1
                                       6.375          1,559.67         84
                                       6.125          1,559.67
    EL DORADO        CA   95623          5            12/17/02         04
    0415560952                           05           02/01/03         12
    0415513688                           O            01/01/33
    0

    8307995          E22/G02             F          152,000.00         ZZ
                                         360        152,000.00          1
                                       6.875            998.53         80
                                       6.625            998.53
    PARKER           TX   75002          5            12/18/02         00
    0415522275                           05           02/01/03          0
    0415522275                           O            01/01/33
    0
1

    8308003          E22/G02             F          212,500.00         ZZ
                                         360        212,500.00          1
                                       6.375          1,325.72         85
                                       6.125          1,325.72
    SACRAMENTO       CA   95834          5            12/17/02         01
    0415525443                           05           02/01/03         12
    0415525443                           O            01/01/33
    0

    8308005          E22/G02             F          160,000.00         ZZ
                                         360        160,000.00          1
                                       6.375            998.19         46
                                       6.125            998.19
    DUMONT           NJ   07628          5            12/17/02         00
    0415526755                           05           02/01/03          0
    0415526755                           O            01/01/33
    0

    8308023          E22/G02             F          104,000.00         ZZ
                                         360        104,000.00          1
                                       6.125            631.91         49
                                       5.875            631.91
    CLEBURNE         TX   76031          5            12/18/02         00
    0415556307                           05           02/01/03          0
    0415556307                           O            01/01/33
    0

    8308057          E22/G02             F          155,500.00         ZZ
                                         360        155,500.00          1
                                       6.375            970.12         80
                                       6.125            970.12
    FAIRFIELD        MT   59436          5            12/18/02         00
    0415409390                           05           02/01/03          0
    0415409390                           O            01/01/33
    0

    8308073          E22/G02             F          448,000.00         ZZ
                                         360        448,000.00          1
                                       6.375          2,794.94         80
                                       6.125          2,794.94
    NEWTON           MA   02459          5            12/18/02         00
    0415421411                           05           02/01/03          0
    0415421411                           O            01/01/33
    0

    8308077          E22/G02             F          155,000.00         ZZ
                                         360        155,000.00          1
1

                                       6.500            979.71         69
                                       6.250            979.71
    EXCELSIOR        MN   55331          5            12/17/02         00
    0415423458                           01           02/01/03          0
    0415423458                           O            01/01/33
    0

    8308259          950/G02             F           50,000.00         ZZ
                                         360         50,000.00          1
                                       6.500            316.03         80
                                       6.250            316.03
    ROSLYN           WA   98941          1            12/14/02         00
    0435141619                           05           02/01/03          0
    E1211033                             N            01/01/33
    0

    8308301          N47/G02             F          354,400.00         ZZ
                                         360        354,400.00          1
                                       6.500          2,240.05         80
                                       6.250          2,240.05
    SAN JOSE         CA   95111          1            12/17/02         00
    0435182134                           05           02/01/03          0
    20501545                             O            01/01/33
    0

    8308313          N47/G02             F          277,000.00         ZZ
                                         360        277,000.00          1
                                       6.500          1,750.83         66
                                       6.250          1,750.83
    SAN JOSE         CA   95133          5            12/10/02         00
    0435176912                           05           02/01/03          0
    20501344                             O            01/01/33
    0

    8308353          X91/G02             F          641,400.00         ZZ
                                         360        641,400.00          1
                                       6.125          3,897.21         75
                                       5.875          3,897.21
    HONOLULU         HI   96825          1            12/16/02         00
    0435141114                           29           02/01/03          0
    800500                               O            01/01/33
    0

    8308383          X91/G02             F          172,500.00         ZZ
                                         360        172,500.00          1
                                       6.125          1,048.13         75
                                       5.875          1,048.13
    HONOLULU         HI   96815          1            12/11/02         00
    0435131891                           01           02/01/03          0
1

    803205                               O            01/01/33
    0

    8308453          A06/G02             F          128,000.00         ZZ
                                         360        127,892.46          1
                                       6.875            840.87         67
                                       6.625            840.87
    ROYAL OAK        MI   48073          5            11/27/02         00
    0435175187                           05           01/01/03          0
    1                                    O            12/01/32
    0

    8308461          W35/G02             F           40,000.00         ZZ
                                         360         39,965.56          1
                                       6.750            259.44         80
                                       6.500            259.44
    PALESTINE        IL   62451          5            12/17/02         00
    0435120043                           05           01/23/03          0
    16202                                O            12/23/32
    0

    8308471          A06/G02             F          166,500.00         ZZ
                                         360        166,500.00          1
                                       6.375          1,038.75         90
                                       6.125          1,038.75
    GRAND BLANC      MI   48439          5            12/13/02         11
    0435135926                           05           02/01/03         25
    021000020229448                      O            01/01/33
    0

    8308503          U05/G02             F          170,400.00         ZZ
                                         360        170,400.00          1
                                       6.375          1,063.07         80
                                       6.125          1,063.07
    DALLAS           TX   78248          5            12/04/02         00
    0435135769                           05           02/01/03          0
    3286707                              O            01/01/33
    0

    8308509          W35/G02             F           64,000.00         ZZ
                                         360         64,000.00          1
                                       6.875            420.44         79
                                       6.625            420.44
    GAS CITY         IN   46933          5            12/11/02         00
    0435139209                           05           02/01/03          0
    16286                                O            01/01/33
    0

1

    8308525          U05/G02             F          322,500.00         ZZ
                                         360        322,500.00          1
                                       6.250          1,985.69         75
                                       6.000          1,985.69
    CHULA VISTA      CA   91913          5            12/05/02         00
    0435152814                           03           02/01/03          0
    3289607                              O            01/01/33
    0

    8308583          U05/G02             F          344,000.00         ZZ
                                         360        343,673.60          1
                                       6.250          2,118.07         74
                                       6.000          2,118.07
    SUISUN CITY      CA   94585          2            11/25/02         00
    0435136080                           03           01/01/03          0
    3283357                              O            12/01/32
    0

    8308587          A39/G02             F          276,000.00         ZZ
                                         360        276,000.00          1
                                       6.375          1,721.88         80
                                       6.125          1,721.88
    SHERMAN OAKS     CA   91401          5            12/10/02         00
    0435143631                           05           02/01/03          0
    2202880                              O            01/01/33
    0

    8308603          738/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.625          1,920.93         60
                                       6.375          1,920.93
    MONTGOMERY       AL   36106          5            12/05/02         00
    0435129747                           05           02/01/03          0
    40719216                             O            01/01/33
    0

    8308613          P59/G02             F          213,000.00         ZZ
                                         360        213,000.00          1
                                       6.750          1,381.51         77
                                       6.500          1,381.51
    ATASCADERO       CA   93422          5            12/13/02         00
    0435140041                           05           02/01/03          0
    ATOOO3291                            O            01/01/33
    0

    8308615          A19/G02             F          337,500.00         ZZ
                                         360        337,500.00          1
                                       6.500          2,133.23         75
                                       6.250          2,133.23
1

    NATICK           MA   01760          5            12/18/02         00
    0435123591                           05           02/01/03          0
    1                                    O            01/01/33
    0

    8308911          M07/G02             F          179,200.00         ZZ
                                         360        179,200.00          1
                                       6.375          1,117.97         80
                                       6.125          1,117.97
    LAKE ARROWHEAD   CA   92352          1            12/17/02         00
    0435143698                           05           02/01/03          0
    01020904                             O            01/01/33
    0

    8308965          926/926             F          300,700.00         ZZ
                                         360        300,700.00          1
                                       6.250          1,851.47         74
                                       6.000          1,851.47
    MT PLEASANT      SC   29464          5            12/09/02         00
    02110749                             05           02/01/03          0
    02110749                             O            01/01/33
    0

    8309001          642/G02             F          103,500.00         ZZ
                                         360        103,500.00          1
                                       6.375            645.71         75
                                       6.125            645.71
    PHOENIX          AZ   86019          5            12/17/02         00
    0435141650                           05           02/01/03          0
    12112602                             O            01/01/33
    0

    8309009          W30/G02             F          170,100.00         ZZ
                                         360        170,100.00          3
                                       7.500          1,189.36         90
                                       7.250          1,189.36
    PROVIDENCE       RI   02905          1            12/16/02         12
    0435147319                           05           02/01/03         25
    0651200                              O            01/01/33
    0

    8309061          B44/G02             F          159,200.00         ZZ
                                         360        159,200.00          1
                                       6.500          1,006.25         80
                                       6.250          1,006.25
    SACRAMENTO       CA   95842          1            12/05/02         00
    0435144480                           05           02/01/03          0
    2022301                              O            01/01/33
    0
1

    8309149          F61/G02             F          135,000.00         ZZ
                                         360        135,000.00          1
                                       7.250            920.94         90
                                       7.000            920.94
    TACOMA           WA   98403          1            12/12/02         04
    0435153929                           05           02/01/03         25
    020340L                              O            01/01/33
    0

    8309735          E22/G02             F          233,600.00         ZZ
                                         360        233,600.00          1
                                       6.875          1,534.59         80
                                       6.625          1,534.59
    OROVILLE         CA   95966          5            12/11/02         00
    0415668797                           05           02/01/03          0
    0415668797                           O            01/01/33
    0

    8309743          E22/G02             F          136,000.00         ZZ
                                         360        136,000.00          1
                                       6.375            848.46         80
                                       6.125            848.46
    AUBURN HILLS     MI   48326          2            12/19/02         00
    0415675115                           05           02/01/03          0
    0415675115                           O            01/01/33
    0

    8309759          E22/G02             F          115,000.00         ZZ
                                         360        115,000.00          2
                                       6.375            717.45         75
                                       6.125            717.45
    FAIRBANKS        AK   99701          5            12/17/02         00
    0415609676                           05           02/01/03          0
    0415609676                           N            01/01/33
    0

    8309769          E22/G02             F          495,000.00         ZZ
                                         360        495,000.00          1
                                       6.250          3,047.80         55
                                       6.000          3,047.80
    HUNTINGTON BEAC  CA   92648          2            12/13/02         00
    0415098177                           03           02/01/03          0
    0415098177                           O            01/01/33
    0

    8309775          E22/G02             F           69,500.00         ZZ
                                         360         69,500.00          1
1

                                       6.750            450.78         70
                                       6.500            450.78
    EUGENE           OR   97405          1            12/16/02         00
    0415132703                           05           02/01/03          0
    0415132703                           O            01/01/33
    0

    8309781          E22/G02             F          160,000.00         ZZ
                                         360        160,000.00          1
                                       6.375            998.19         80
                                       6.125            998.19
    CLAY             MI   48001          2            12/19/02         00
    0415711928                           05           02/01/03          0
    0415711928                           O            01/01/33
    0

    8309793          E22/G02             F          228,150.00         ZZ
                                         360        228,150.00          1
                                       6.375          1,423.36         90
                                       6.125          1,423.36
    ROCKY POINT      NY   11778          1            12/24/02         04
    0415749928                           05           02/01/03         25
    0415749928                           O            01/01/33
    0

    8309795          E22/G02             F          355,060.00         ZZ
                                         360        355,060.00          1
                                       6.375          2,215.11         80
                                       6.125          2,215.11
    ANTIOCH          CA   94509          1            12/17/02         00
    0415676402                           05           02/01/03          0
    0415676402                           O            01/01/33
    0

    8309801          E22/G02             F          130,550.00         ZZ
                                         360        130,550.00          1
                                       6.500            825.16         95
                                       6.250            825.16
    DELAWARE         OH   43015          1            12/24/02         04
    0415685015                           05           02/01/03         30
    0415685015                           O            01/01/33
    0

    8309807          E22/G02             F           61,000.00         ZZ
                                         360         61,000.00          1
                                       6.625            390.59         79
                                       6.375            390.59
    WALLS            MS   38680          5            12/19/02         00
    0415690569                           05           02/01/03          0
1

    0415690569                           O            01/01/33
    0

    8309813          E22/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.625          1,280.62         46
                                       6.375          1,280.62
    DELRAY BEACH     FL   33445          5            12/19/02         00
    0415560952                           03           02/01/03          0
    0415560952                           O            01/01/33
    0

    8309823          E22/G02             F          204,000.00         ZZ
                                         360        204,000.00          1
                                       6.250          1,256.06         85
                                       6.000          1,256.06
    CORAL GABLES     FL   33134          2            12/19/02         04
    0415583384                           05           02/01/03         25
    0415583384                           O            01/01/33
    0

    8309833          E22/G02             F          350,000.00         ZZ
                                         360        350,000.00          1
                                       6.500          2,212.24         75
                                       6.250          2,212.24
    SAN JOSE         CA   95122          5            12/17/02         00
    0415542273                           05           02/01/03          0
    0415542273                           O            01/01/33
    0

    8309841          E22/G02             F           76,000.00         ZZ
                                         360         76,000.00          1
                                       7.250            518.45         95
                                       7.000            518.45
    CHARLESTON       SC   29414          5            12/19/02         04
    0415555796                           05           02/01/03         30
    0415555796                           O            01/01/33
    0

    8309851          E22/G02             F          162,000.00         ZZ
                                         360        162,000.00          3
                                       7.000          1,077.79         90
                                       6.750          1,077.79
    NORTH LAUDERDAL  FL   33068          1            12/24/02         04
    0415653583                           05           02/01/03         25
    0415653583                           N            01/01/33
    0

1

    8309855          E22/G02             F          367,200.00         ZZ
                                         360        367,200.00          1
                                       6.500          2,320.95         88
                                       6.250          2,320.95
    ROCKLIN          CA   95765          2            12/14/02         04
    0415655984                           05           02/01/03         25
    0415655984                           O            01/01/33
    0

    8309859          E22/G02             F          198,000.00         ZZ
                                         360        198,000.00          1
                                       6.375          1,235.26         78
                                       6.125          1,235.26
    MARIETTA         OK   73448          2            12/19/02         00
    0415660901                           05           02/01/03          0
    0415660901                           O            01/01/33
    0

    8309865          E22/G02             F          198,000.00         ZZ
                                         360        198,000.00          1
                                       6.375          1,235.26         80
                                       6.125          1,235.26
    ANTELOPE         CA   95843          5            12/13/02         00
    0415622232                           05           02/01/03          0
    0415622232                           O            01/01/33
    0

    8309899          E22/G02             F          135,000.00         ZZ
                                         360        135,000.00          1
                                       6.750            875.61         75
                                       6.500            875.61
    OCEAN VIEW       NJ   08230          5            12/19/02         00
    0415429802                           05           02/01/03          0
    0415429802                           O            01/01/33
    0

    8309901          E22/G02             F          129,350.00         ZZ
                                         360        129,350.00          1
                                       6.125            785.94         28
                                       5.875            785.94
    DEPOE BAY        OR   97341          5            12/16/02         00
    0415438951                           03           02/01/03          0
    0415438951                           O            01/01/33
    0

    8309905          E22/G02             F          283,000.00         ZZ
                                         360        283,000.00          1
                                       6.500          1,788.75         89
                                       6.250          1,788.75
1

    LA CENTER        WA   98629          2            12/02/02         04
    0415456169                           05           02/01/03         25
    0415456169                           O            01/01/33
    0

    8309971          Q31/G02             F           70,000.00         ZZ
                                         360         70,000.00          1
                                       6.500            442.45         59
                                       6.250            442.45
    APPLE VALLEY     CA   92308          1            12/18/02         00
    0435144878                           09           02/01/03          0
    SD881778                             O            01/01/33
    0

    8310307          975/G02             F          153,000.00         ZZ
                                         360        153,000.00          1
                                       6.375            954.52         66
                                       6.125            954.52
    SAN DIEGO        CA   92154          5            12/02/02         00
    0435149638                           05           02/01/03          0
    2024876                              O            01/01/33
    0

    8310383          U05/G02             F           79,600.00         ZZ
                                         360         79,600.00          1
                                       6.625            509.69         80
                                       6.375            509.69
    LAKEWOOD         OH   44107          1            12/09/02         00
    0435137716                           06           02/01/03          0
    3282365                              O            01/01/33
    0

    8310411          975/G02             F          510,000.00         ZZ
                                         360        510,000.00          1
                                       6.625          3,265.59         75
                                       6.375          3,265.59
    DIAMOND BAR      CA   91765          5            12/02/02         00
    0435147285                           03           02/01/03          0
    2025449                              O            01/01/33
    0

    8310675          U05/G02             F           95,000.00         ZZ
                                         360         95,000.00          1
                                       6.875            624.08        100
                                       6.625            624.08
    GARFIELD HEIGHT  OH   44125          1            12/10/02         10
    0435148168                           05           02/01/03         35
    3287346                              O            01/01/33
    0
1

    8310791          A06/G02             F          260,000.00         ZZ
                                         360        260,000.00          1
                                       6.375          1,622.07         78
                                       6.125          1,622.07
    NOVI             MI   48375          2            12/17/02         00
    0435136742                           05           02/01/03          0
    1000020229840                        O            01/01/33
    0

    8310795          U05/G02             F          140,000.00         ZZ
                                         360        140,000.00          1
                                       7.000            931.42         80
                                       6.750            931.42
    AUSTIN           TX   78750          5            12/05/02         00
    0435136627                           05           02/01/03          0
    3280586                              O            01/01/33
    0

    8310921          G34/G02             F           68,900.00         ZZ
                                         360         68,900.00          1
                                       6.625            441.17         74
                                       6.375            441.17
    FORT WORTH       TX   76133          5            12/12/02         00
    0435156823                           05           02/01/03          0
    85210167                             O            01/01/33
    0

    8311029          X19/G02             F          352,000.00         ZZ
                                         360        352,000.00          1
                                       6.500          2,224.88         80
                                       6.250          2,224.88
    PAWLING          NY   12564          1            12/19/02         00
    0435126719                           05           02/01/03          0
    22102902                             O            01/01/33
    0

    8311177          N74/G02             F           79,000.00         ZZ
                                         360         79,000.00          1
                                       6.250            486.42         83
                                       6.000            486.42
    THOMASVILLE      NC   27360          2            12/19/02         10
    0435148705                           05           02/01/03         12
    0031369010                           O            01/01/33
    0

    8311219          X81/G02             F          100,800.00         ZZ
                                         360        100,800.00          2
1

                                       7.750            722.14         90
                                       7.500            722.14
    MINNEAPOLIS      MN   55412          1            12/13/02         10
    0435194568                           05           02/01/03         12
    952786                               O            01/01/33
    0

    8311251          W68/G02             F          378,000.00         ZZ
                                         360        378,000.00          1
                                       6.375          2,358.23         69
                                       6.125          2,358.23
    MANSFIELD        TX   76063          2            12/13/02         00
    0435130836                           03           02/01/03          0
    33465                                O            01/01/33
    0

    8311263          G34/G02             F          363,750.00         ZZ
                                         360        363,750.00          1
                                       6.500          2,299.15         75
                                       6.250          2,299.15
    DALY CITY        CA   94015          1            12/04/02         00
    0435145966                           05           02/01/03          0
    48201203                             N            01/01/33
    0

    8311287          830/G02             F           99,000.00         ZZ
                                         360         98,914.77          1
                                       6.750            642.11         90
                                       6.500            642.11
    JOSEPH           UT   84739          1            12/02/02         14
    0435145347                           05           01/01/03         25
    2110139                              N            12/01/32
    0

    8311391          883/G02             F          133,200.00         ZZ
                                         360        133,200.00          1
                                       7.250            908.66         90
                                       7.000            908.66
    HELENA           AL   35080          5            12/13/02         10
    0435144720                           05           02/01/03         25
    68000220                             O            01/01/33
    0

    8311457          N47/G02             F          130,000.00         ZZ
                                         360        130,000.00          1
                                       6.250            800.43         22
                                       6.000            800.43
    BOLINAS          CA   94924          5            12/16/02         00
    0435144191                           05           02/01/03          0
1

    90500143                             O            01/01/33
    0

    8311473          X60/G02             F          281,250.00         ZZ
                                         360        281,250.00          1
                                       6.500          1,777.69         75
                                       6.250          1,777.69
    SEATTLE          WA   98115          5            12/19/02         00
    0435127295                           05           02/01/03          0
    10211179                             N            01/01/33
    0

    8311483          F64/G02             F          190,320.00         ZZ
                                         360        190,320.00          1
                                       6.250          1,171.83         80
                                       6.000          1,171.83
    RICHMOND         VA   23236          1            12/16/02         00
    0435168604                           05           02/01/03          0
    942138-01                            O            01/01/33
    0

    8311531          944/G02             F          287,000.00         ZZ
                                         360        287,000.00          1
                                       6.750          1,861.48         75
                                       6.500          1,861.48
    MISSION VIEJO    CA   92692          5            12/11/02         00
    0435165782                           05           02/01/03          0
    W01631314                            O            01/01/33
    0

    8311539          Q87/G02             F           79,700.00         ZZ
                                         360         79,700.00          1
                                       6.375            497.22         94
                                       6.125            497.22
    EIGHT MILE       AL   36613          2            12/23/02         04
    0435146220                           05           02/01/03         30
    BRRA02                               O            01/01/33
    0

    8311569          M96/G02             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.375          3,119.35         67
                                       6.125          3,119.35
    ADA              MI   49301          5            12/19/02         00
    0435165923                           05           02/01/03          0
    02744                                O            01/01/33
    0

1

    8311571          X31/G02             F          204,000.00         ZZ
                                         360        204,000.00          1
                                       6.250          1,256.06         80
                                       6.000          1,256.06
    SAN DIEGO        CA   92139          5            12/03/02         00
    0435145743                           03           02/01/03          0
    40105264                             O            01/01/33
    0

    8311615          Q14/G02             F          144,000.00         ZZ
                                         360        144,000.00          1
                                       6.500            910.18         90
                                       6.250            910.18
    APACHE JUNCTION  AZ   85220          1            12/20/02         01
    0435138847                           03           02/01/03         25
    00000210804                          O            01/01/33
    0

    8311861          X31/G02             F          213,600.00         ZZ
                                         360        213,600.00          1
                                       6.625          1,367.70         80
                                       6.375          1,367.70
    HACIENDA HEIGHT  CA   91745          1            12/09/02         00
    0435141452                           05           02/01/03          0
    40105170                             N            01/01/33
    0

    8311875          E76/G02             F          168,150.00         ZZ
                                         360        167,990.45          1
                                       6.250          1,035.33         95
                                       6.000          1,035.33
    PUNTA GORDA      FL   33983          1            11/27/02         04
    0435134663                           05           01/01/03         30
    10018935                             O            12/01/32
    0

    8311891          X27/G02             F          249,600.00         ZZ
                                         360        249,368.82          1
                                       6.375          1,557.18         80
                                       6.125          1,557.18
    LOS ANGELES      CA   91405          5            11/14/02         00
    0435157078                           05           01/01/03          0
    45000011                             O            12/01/32
    0

    8312731          E22/G02             F          255,000.00         ZZ
                                         360        255,000.00          1
                                       6.250          1,570.08         78
                                       6.000          1,570.08
1

    ROCKY POINT      NY   11778          5            12/20/02         00
    0414945949                           05           02/01/03          0
    0414945949                           O            01/01/33
    0

    8312737          E22/G02             F          199,500.00         ZZ
                                         360        199,500.00          1
                                       6.375          1,244.62         95
                                       6.125          1,244.62
    MIAMI            FL   33155          5            12/20/02         11
    0415090828                           05           02/01/03         30
    0415090828                           O            01/01/33
    0

    8312747          E22/G02             F          143,000.00         ZZ
                                         360        143,000.00          1
                                       6.375            892.13         89
                                       6.125            892.13
    SARASOTA         FL   34231          2            12/20/02         01
    0415174705                           05           02/01/03         30
    0415174705                           O            01/01/33
    0

    8312753          E22/G02             F          424,000.00         ZZ
                                         360        424,000.00          1
                                       6.750          2,750.06         80
                                       6.500          2,750.06
    PARAMUS          NJ   07652          5            12/20/02         00
    0415203330                           05           02/01/03          0
    0415203330                           O            01/01/33
    0

    8312773          E22/G02             F          113,400.00         ZZ
                                         360        113,400.00          1
                                       6.000            679.89         90
                                       5.750            679.89
    FORT WORTH       TX   76109          2            12/20/02         01
    0415300383                           05           02/01/03         25
    0415300383                           O            01/01/33
    0

    8312779          E22/G02             F          365,150.00         ZZ
                                         360        365,150.00          1
                                       6.375          2,278.06         80
                                       6.125          2,278.06
    WARWICK          RI   02889          5            12/20/02         00
    0415308451                           05           02/01/03          0
    0415308451                           O            01/01/33
    0
1

    8312791          E22/G02             F          423,200.00         ZZ
                                         360        423,200.00          1
                                       6.375          2,640.22         80
                                       6.125          2,640.22
    BEND             OR   97701          2            12/18/02         00
    0415362151                           03           02/01/03          0
    0415362151                           O            01/01/33
    0

    8312797          E22/G02             F          142,800.00         ZZ
                                         360        142,800.00          1
                                       6.750            926.20         80
                                       6.500            926.20
    VANCOUVER        WA   98682          5            12/19/02         00
    0415379189                           05           02/01/03          0
    0415379189                           O            01/01/33
    0

    8312799          E22/G02             F          164,000.00         ZZ
                                         360        164,000.00          1
                                       6.875          1,077.36         77
                                       6.625          1,077.36
    CLINTON          MD   20735          5            12/20/02         00
    0415383876                           05           02/01/03          0
    0415383876                           O            01/01/33
    0

    8312805          E22/G02             F          650,000.00         ZZ
                                         360        650,000.00          1
                                       6.250          4,002.16         62
                                       6.000          4,002.16
    BERKELEY         CA   94708          2            12/13/02         00
    0415412071                           05           02/01/03          0
    0415412071                           O            01/01/33
    0

    8312809          E22/G02             F           87,300.00         ZZ
                                         360         87,300.00          1
                                       6.625            558.99         90
                                       6.375            558.99
    LAKELAND         FL   33813          5            12/20/02         04
    0415437433                           05           02/01/03         25
    0415437433                           O            01/01/33
    0

    8312817          E22/G02             F          385,000.00         ZZ
                                         360        385,000.00          1
1

                                       6.250          2,370.51         78
                                       6.000          2,370.51
    FOSTER CITY      CA   94404          2            12/11/02         00
    0415458298                           09           02/01/03          0
    0415458298                           O            01/01/33
    0

    8312823          E22/G02             F          105,000.00         ZZ
                                         360        105,000.00          1
                                       7.375            725.21         88
                                       7.125            725.21
    ORLANDO          FL   32829          5            12/19/02         04
    0415461771                           05           02/01/03         25
    0415461771                           O            01/01/33
    0

    8312825          E22/G02             F          270,000.00         ZZ
                                         360        270,000.00          1
                                       6.125          1,640.55         90
                                       5.875          1,640.55
    PORT JEFFERSON   NY   11776          5            12/20/02         01
    0415462902                           05           02/01/03         25
    0415462902                           O            01/01/33
    0

    8312829          E22/G02             F          134,400.00         ZZ
                                         360        134,400.00          1
                                       7.000            894.17         80
                                       6.750            894.17
    MIAMI            FL   33189          5            12/17/02         00
    0415476480                           05           02/01/03          0
    0415476480                           O            01/01/33
    0

    8312833          E22/G02             F          213,000.00         ZZ
                                         360        213,000.00          1
                                       6.250          1,311.48         48
                                       6.000          1,311.48
    MOBILE           AL   36605          2            12/20/02         00
    0415477504                           05           02/01/03          0
    0415477504                           O            01/01/33
    0

    8312845          E22/G02             F          235,000.00         ZZ
                                         360        235,000.00          1
                                       6.125          1,427.88         78
                                       5.875          1,427.88
    SIMI VALLEY      CA   93065          5            12/19/02         00
    0415500909                           01           02/01/03          0
1

    0415500909                           O            01/01/33
    0

    8312863          E22/G02             F          349,000.00         ZZ
                                         360        349,000.00          1
                                       6.375          2,177.31         73
                                       6.125          2,177.31
    ROSEVILLE        CA   95661          5            12/13/02         00
    0415550185                           05           02/01/03          0
    0415550185                           O            01/01/33
    0

    8312867          E22/G02             F          412,000.00         ZZ
                                         360        412,000.00          1
                                       6.375          2,570.34         80
                                       6.125          2,570.34
    SAN LEANDRO      CA   94577          2            12/12/02         00
    0415553130                           05           02/01/03          0
    0415553130                           O            01/01/33
    0

    8312871          E22/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.625          1,280.62         79
                                       6.375          1,280.62
    RICHARDSON       TX   75082          5            12/20/02         00
    0415563824                           03           02/01/03          0
    0415563824                           O            01/01/33
    0

    8312877          E22/G02             F           88,671.00         ZZ
                                         360         88,671.00          1
                                       6.125            538.77         80
                                       5.875            538.77
    MONTGOMERY       AL   36117          2            12/20/02         00
    0415575026                           05           02/01/03          0
    0415575026                           O            01/01/33
    0

    8312883          E22/G02             F          225,000.00         ZZ
                                         360        225,000.00          2
                                       6.250          1,385.36         75
                                       6.000          1,385.36
    BROOKLYN         NY   11210          5            12/19/02         00
    0415583533                           05           02/01/03          0
    0415583533                           O            01/01/33
    0

1

    8312889          E22/G02             F          128,500.00         ZZ
                                         240        128,500.00          1
                                       6.375            948.63         65
                                       6.125            948.63
    (AZUSA AREA)     CA   91702          2            12/16/02         00
    0415592716                           05           02/01/03          0
    0415592716                           O            01/01/23
    0

    8312895          E22/G02             F          110,000.00         ZZ
                                         360        110,000.00          1
                                       7.875            797.58         93
                                       7.625            797.58
    BOYNTON BEACH    FL   33437          5            12/20/02         04
    0415593425                           09           02/01/03         30
    0415593425                           O            01/01/33
    0

    8312907          E22/G02             F           77,600.00         ZZ
                                         360         77,600.00          1
                                       6.375            484.12         44
                                       6.125            484.12
    PLANO            TX   75093          5            12/20/02         00
    0415605054                           05           02/01/03          0
    0415605054                           O            01/01/33
    0

    8312935          E22/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
                                       7.875            783.07         90
                                       7.625            783.07
    LAUDERHILL       FL   33351          5            12/20/02         01
    0415622265                           01           02/01/03         25
    0415622265                           O            01/01/33
    0

    8312943          E22/G02             F           91,200.00         ZZ
                                         360         91,200.00          1
                                       7.125            614.43         80
                                       6.875            614.43
    BRIDGEPORT       CT   06606          5            12/18/02         00
    0415641323                           01           02/01/03          0
    0415641323                           O            01/01/33
    0

    8312945          E22/G02             F          232,000.00         ZZ
                                         360        232,000.00          1
                                       6.375          1,447.38         74
                                       6.125          1,447.38
1

    VISTA            CA   92083          2            12/13/02         00
    0415648641                           05           02/01/03          0
    0415648641                           N            01/01/33
    0

    8312947          E22/G02             F           60,325.00         ZZ
                                         360         60,325.00          1
                                       7.000            401.34         95
                                       6.750            401.34
    ROYSE CITY       TX   75189          1            12/26/02         04
    0415649276                           05           02/01/03         35
    0415649276                           O            01/01/33
    0

    8312963          E22/G02             F           92,650.00         ZZ
                                         360         92,650.00          1
                                       7.625            655.77         85
                                       7.375            655.77
    MOORE            OK   73160          5            12/20/02         01
    0415658871                           05           02/01/03         25
    0415658871                           O            01/01/33
    0

    8312971          E22/G02             F          364,800.00         ZZ
                                         360        364,800.00          1
                                       6.500          2,305.78         80
                                       6.250          2,305.78
    STOCKTON         CA   95219          1            12/13/02         00
    0415662832                           05           02/01/03          0
    0415662832                           O            01/01/33
    0

    8312973          E22/G02             F          380,000.00         ZZ
                                         360        380,000.00          1
                                       6.250          2,339.73         80
                                       6.000          2,339.73
    GUNTERSVILLE     AL   35976          2            12/20/02         00
    0415663103                           05           02/01/03          0
    0415663103                           O            01/01/33
    0

    8312979          E22/G02             F          151,500.00         ZZ
                                         360        151,500.00          1
                                       6.500            957.58         75
                                       6.250            957.58
    SUQUAMISH        WA   98392          5            12/20/02         00
    0415669670                           05           02/01/03          0
    0415669670                           N            01/01/33
    0
1

    8312989          E22/G02             F          137,500.00         ZZ
                                         360        137,500.00          1
                                       6.250            846.61         80
                                       6.000            846.61
    GONZALES         LA   70737          5            12/20/02         00
    0415688985                           05           02/01/03          0
    0415688985                           O            01/01/33
    0

    8312991          E22/G02             F          132,440.00         ZZ
                                         360        132,440.00          1
                                       6.375            826.25         77
                                       6.125            826.25
    MARGATE          FL   33068          2            12/20/02         00
    0415689421                           05           02/01/03          0
    0415689421                           O            01/01/33
    0

    8312997          E22/G02             F          176,000.00         ZZ
                                         360        176,000.00          1
                                       6.250          1,083.66        100
                                       6.000          1,083.66
    RENO             NV   89506          1            12/19/02         01
    0415699305                           03           02/01/03         35
    0415699305                           O            01/01/33
    0

    8312999          E22/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.375          1,247.74         78
                                       6.125          1,247.74
    RENO             NV   89503          5            12/16/02         00
    0415702380                           05           02/01/03          0
    0415702380                           O            01/01/33
    0

    8313005          E22/G02             F          184,000.00         ZZ
                                         360        184,000.00          1
                                       6.500          1,163.01         66
                                       6.250          1,163.01
    ATTLEBORO        MA   02703          5            12/20/02         00
    0415726686                           05           02/01/03          0
    0415726686                           O            01/01/33
    0

    8313011          E22/G02             F          129,750.00         ZZ
                                         360        129,750.00          1
1

                                       6.500            820.11         75
                                       6.250            820.11
    MI WUK VILLAGE   CA   95346          5            12/16/02         00
    0415735497                           05           02/01/03          0
    0415735497                           N            01/01/33
    0

    8313023          E22/G02             F          163,900.00         ZZ
                                         360        163,900.00          1
                                       7.250          1,118.09         80
                                       7.000          1,118.09
    KEANSBURG        NJ   07734          1            12/26/02         00
    0415746148                           01           02/01/03          0
    0415746148                           N            01/01/33
    0

    8313031          E22/G02             F          509,250.00         ZZ
                                         360        509,250.00          1
                                       6.500          3,218.81         75
                                       6.250          3,218.81
    WEST HOLLYWOOD   CA   90069          1            12/17/02         00
    0415758507                           05           02/01/03          0
    0415758507                           O            01/01/33
    0

    8313097          K15/G02             F          175,000.00         ZZ
                                         360        175,000.00          3
                                       6.125          1,063.32         57
                                       5.875          1,063.32
    BROOKLYN         NY   11233          2            12/17/02         00
    0435144498                           05           02/01/03          0
    021205507918                         O            01/01/33
    0

    8313133          950/G02             F          135,000.00         ZZ
                                         360        135,000.00          1
                                       6.750            875.61         53
                                       6.500            875.61
    REDDING          CA   96002          5            11/26/02         00
    0435164918                           05           02/01/03          0
    A5209040                             O            01/01/33
    0

    8313177          U85/G02             F           28,800.00         ZZ
                                         360         28,779.67          1
                                       7.750            206.33         90
                                       7.500            206.33
    MILWAUKEE        WI   53218          1            12/02/02         10
    0435188750                           01           01/01/03         25
1

    VALENTINE                            N            12/01/32
    0

    8313179          U05/G02             F          101,000.00         ZZ
                                         360        101,000.00          1
                                       6.375            630.11         68
                                       6.125            630.11
    ALAMO HEIGHTS    TX   78209          2            12/09/02         00
    0435142278                           05           02/01/03          0
    3280566                              O            01/01/33
    0

    8313191          U05/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       6.625            640.31         80
                                       6.375            640.31
    GARLAND          TX   75043          5            12/10/02         00
    0435142716                           03           02/01/03          0
    3288292                              O            01/01/33
    0

    8313213          758/G02             F           85,500.00         ZZ
                                         360         85,500.00          1
                                       7.500            597.83         90
                                       7.250            597.83
    COLLEGE STATION  TX   77840          1            12/10/02         14
    0435147590                           03           02/01/03         25
    1                                    N            01/01/33
    0

    8313215          U05/G02             F          472,000.00         ZZ
                                         360        472,000.00          1
                                       6.375          2,944.67         80
                                       6.125          2,944.67
    HOUSTON          TX   77069          5            12/04/02         00
    0435142781                           03           02/01/03          0
    3287153                              O            01/01/33
    0

    8313219          L20/G02             F          294,500.00         ZZ
                                         360        294,500.00          1
                                       6.500          1,861.44         95
                                       6.250          1,861.44
    LAYTON           UT   84040          1            12/23/02         14
    0435169875                           05           02/01/03         30
    1061030075                           O            01/01/33
    0

1

    8313221          U05/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       6.250            541.83         60
                                       6.000            541.83
    MARBLE FALLS     TX   78654          5            12/10/02         00
    0435144977                           05           02/01/03          0
    3287903                              O            01/01/33
    0

    8313233          F89/G02             F          103,200.00         ZZ
                                         360        103,200.00          1
                                       6.750            669.35         80
                                       6.500            669.35
    LOS ANGELES      CA   90032          1            12/11/02         00
    0435155064                           05           02/01/03          0
    17224991                             N            01/01/33
    0

    8313235          U05/G02             F          168,800.00         ZZ
                                         360        168,800.00          1
                                       6.875          1,108.90         80
                                       6.625          1,108.90
    GEORGETOWN       TX   78628          5            12/09/02         00
    0435142336                           03           02/01/03          0
    3288127                              O            01/01/33
    0

    8313237          W40/G02             F          260,000.00         ZZ
                                         360        260,000.00          1
                                       6.625          1,664.81         80
                                       6.375          1,664.81
    MILFORD          MI   48381          2            12/20/02         00
    0435162680                           29           02/01/03          0
    102015781                            O            01/01/33
    0

    8313241          K15/G02             F          116,400.00         ZZ
                                         360        116,400.00          1
                                       7.625            823.87         85
                                       7.375            823.87
    LINCOLN PARK     MI   48146          5            12/16/02         41
    0435149844                           05           02/01/03         12
    0350507134                           O            01/01/33
    0

    8313251          U05/G02             F          130,400.00         ZZ
                                         360        130,400.00          1
                                       6.875            856.64         80
                                       6.625            856.64
1

    EULESS           TX   76039          5            12/09/02         00
    0435147095                           05           02/01/03          0
    3282813                              O            01/01/33
    0

    8313255          883/G02             F          103,000.00         ZZ
                                         360        103,000.00          1
                                       7.750            737.90         77
                                       7.500            737.90
    ACCIDENT         MD   21520          5            12/19/02         00
    0435166962                           05           02/01/03          0
    05019962                             O            01/01/33
    0

    8313475          E84/G02             F          234,000.00         ZZ
                                         360        233,449.07          1
                                       7.250          1,596.29        100
                                       7.000          1,596.29
    LITTLETON        CO   80130          1            09/20/02         12
    0435188255                           09           11/01/02         35
    1101009302                           O            10/01/32
    0

    8313507          N74/G02             F          108,000.00         ZZ
                                         360        107,907.01          1
                                       6.750            700.49         90
                                       6.500            700.49
    VIRGINIA BEACH   VA   23462          2            12/20/02         10
    0435181508                           05           01/26/03         25
    0031399010                           O            12/26/32
    0

    8313529          U42/G02             F           82,400.00         ZZ
                                         360         82,400.00          1
                                       6.625            527.62         80
                                       6.375            527.62
    FORT WORTH       TX   76110          1            12/11/02         00
    0435149240                           05           02/01/03          0
    33201306                             O            01/01/33
    0

    8313547          E77/G02             F           50,400.00         ZZ
                                         360         50,400.00          1
                                       7.125            339.55         88
                                       6.875            339.55
    BALTIMORE        MD   21218          1            12/18/02         11
    0435144019                           07           02/01/03         30
    1080002745                           O            01/01/33
    0
1

    8313549          N74/G02             F          205,000.00         ZZ
                                         360        204,814.68          1
                                       6.500          1,295.74         65
                                       6.250          1,295.74
    MOCKSVILLE       NC   27028          2            12/20/02         00
    0435181573                           05           01/26/03          0
    0031375010                           O            12/26/32
    0

    8313563          940/G02             F          268,100.00         ZZ
                                         360        268,100.00          1
                                       6.250          1,650.74         72
                                       6.000          1,650.74
    RANCHO CUCAMONG  CA   91701          2            12/13/02         00
    0435168943                           05           02/01/03          0
    20020196                             O            01/01/33
    0

    8313629          W39/G02             F           73,800.00         ZZ
                                         360         73,800.00          2
                                       7.625            522.35         87
                                       7.375            522.35
    NEW ORLEANS      LA   70119          1            12/27/02         01
    0435143854                           05           02/01/03         25
    LA025151                             N            01/01/33
    0

    8313737          U28/G02             F          162,900.00         ZZ
                                         360        162,900.00          1
                                       7.500          1,139.02         88
                                       7.250          1,139.02
    ACWORTH          GA   30102          2            12/20/02         14
    0435155734                           05           02/01/03         25
    KNAUSSRA3                            N            01/01/33
    0

    8313933          950/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.375          1,247.74         72
                                       6.125          1,247.74
    GLENDALE         AZ   85308          5            12/13/02         00
    0435155148                           03           02/01/03          0
    EH211001                             O            01/01/33
    0

    8313943          U05/G02             F           89,600.00         ZZ
                                         360         89,600.00          1
1

                                       6.500            566.33         80
                                       6.250            566.33
    LAKE OSWEGO      OR   97035          2            12/02/02         00
    0435155619                           01           02/01/03          0
    3284352                              O            01/01/33
    0

    8313951          L76/G02             F          158,000.00         ZZ
                                         360        158,000.00          1
                                       6.625          1,011.69         85
                                       6.375          1,011.69
    EAGAN            MN   55122          5            12/23/02         11
    0435143789                           05           02/01/03         12
    9507359                              O            01/01/33
    0

    8313961          B57/G02             F           79,100.00         ZZ
                                         360         79,100.00          1
                                       8.000            580.41         90
                                       7.750            580.41
    PHOENIX          AZ   85033          1            12/11/02         14
    0435158464                           05           02/01/03         25
    20001118                             N            01/01/33
    0

    8313969          L76/G02             F          138,000.00         ZZ
                                         360        138,000.00          1
                                       5.875            816.32         80
                                       5.625            816.32
    HUGO             MN   55038          2            12/23/02         00
    0435164280                           07           02/01/03          0
    9507377                              O            01/01/33
    0

    8314027          S11/G02             F          250,000.00         ZZ
                                         360        250,000.00          1
                                       6.375          1,559.67         67
                                       6.125          1,559.67
    WINDSOR          CA   95492          2            12/16/02         00
    0435164355                           05           02/01/03          0
    10210214                             O            01/01/33
    0

    8314029          455/G02             F           76,600.00         ZZ
                                         360         76,600.00          1
                                       7.000            509.63         90
                                       6.750            509.63
    LAWRENCEVILLE    GA   30043          1            12/23/02         01
    0435156229                           05           02/01/03         25
1

    22002087                             N            01/01/33
    0

    8314043          H81/G02             F          124,000.00         ZZ
                                         360        124,000.00          1
                                       7.125            835.41         69
                                       6.875            835.41
    MILWAUKEE        WI   53221          5            12/09/02         00
    0435173208                           05           02/01/03          0
    WH16376                              O            01/01/33
    0

    8314045          T44/G02             F           70,000.00         ZZ
                                         360         70,000.00          1
                                       6.750            454.02         43
                                       6.500            454.02
    HAINES CITY      FL   33844          5            12/10/02         00
    0435155890                           05           02/01/03          0
    1060429                              O            01/01/33
    0

    8314059          K56/G02             F          140,000.00         ZZ
                                         360        140,000.00          1
                                       6.375            873.42         76
                                       6.125            873.42
    REDMOND          OR   97756          5            12/23/02         00
    0435165360                           05           02/01/03          0
    1270041                              O            01/01/33
    0

    8314063          P59/G02             F           86,400.00         ZZ
                                         360         86,400.00          1
                                       7.500            604.12         79
                                       7.250            604.12
    LANCASTER        CA   93535          1            12/16/02         00
    0435155072                           05           02/01/03          0
    AT004880                             N            01/01/33
    0

    8314065          M11/G02             F          149,000.00         ZZ
                                         360        149,000.00          1
                                       6.500            941.78         71
                                       6.250            941.78
    HOUSTON          TX   77077          5            12/20/02         00
    0435172846                           05           02/01/03          0
    23900013                             O            01/01/33
    0

1

    8314083          N34/G02             F          240,000.00         ZZ
                                         360        240,000.00          1
                                       6.750          1,556.64         80
                                       6.500          1,556.64
    MIDLOTHIAN       IL   60445          1            12/20/02         00
    0435187828                           05           02/01/03          0
    0656806                              O            01/01/33
    0

    8314131          Q87/G02             F          172,000.00         ZZ
                                         360        171,840.69          1
                                       6.375          1,073.06         58
                                       6.125          1,073.06
    COLLEGE STATION  TX   77845          5            12/12/02         00
    0435188313                           05           01/17/03          0
    24187                                O            12/17/32
    0

    8314153          H81/G02             F          176,700.00         ZZ
                                         360        176,700.00          1
                                       7.000          1,175.59         76
                                       6.750          1,175.59
    NECEDAH          WI   54646          5            12/06/02         00
    0435167622                           05           02/01/03          0
    17316                                O            01/01/33
    0

    8314159          313/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
                                       7.125            727.62         80
                                       6.875            727.62
    PHOENIX          AZ   85016          1            12/19/02         00
    0435146105                           05           02/01/03          0
    0009054396                           N            01/01/33
    0

    8314175          T29/G02             F          100,000.00         T
                                         360        100,000.00          1
                                       6.375            623.87         44
                                       6.125            623.87
    PRESCOTT         AZ   86303          1            12/06/02         00
    0435154034                           05           02/01/03          0
    1528650                              O            01/01/33
    0

    8314353          E82/G02             F          174,500.00         ZZ
                                         360        174,500.00          1
                                       7.250          1,190.40         80
                                       7.000          1,190.40
1

    NEW MARKET       MN   55054          2            12/26/02         00
    0400753257                           05           02/01/03          0
    4110197                              O            01/01/33
    0

    8314359          E82/G02             F           67,500.00         ZZ
                                         360         67,500.00          1
                                       6.375            421.11         68
                                       6.125            421.11
    SANDPOINT        ID   83864          2            12/26/02         00
    0400744405                           05           02/01/03          0
    3228905                              O            01/01/33
    0

    8314389          E82/G02             F          104,000.00         ZZ
                                         360        104,000.00          1
                                       6.500            657.35         69
                                       6.250            657.35
    NORTHVILLE       MI   48167          2            12/23/02         00
    0400741492                           01           02/01/03          0
    10421294                             O            01/01/33
    0

    8314395          E82/G02             F          384,000.00         ZZ
                                         360        384,000.00          1
                                       6.500          2,427.14         64
                                       6.250          2,427.14
    INDIANAPOLIS     IN   46234          2            12/26/02         00
    0400752614                           05           02/01/03          0
    4975425                              O            01/01/33
    0

    8314411          E82/G02             F          271,300.00         ZZ
                                         360        271,300.00          1
                                       6.500          1,714.80         59
                                       6.250          1,714.80
    SAN DIEGO        CA   92101          2            12/20/02         00
    0400752226                           06           02/01/03          0
    1771872                              O            01/01/33
    0

    8314413          E82/G02             F          176,000.00         ZZ
                                         360        176,000.00          1
                                       6.625          1,126.95         80
                                       6.375          1,126.95
    DEERFIELD BEACH  FL   33442          5            12/23/02         00
    0400750691                           09           02/01/03          0
    0400750691                           O            01/01/33
    0
1

    8314415          E82/G02             F           90,000.00         ZZ
                                         360         90,000.00          1
                                       6.750            583.74         79
                                       6.500            583.74
    TUSCALOOSA       AL   35401          2            12/26/02         00
    0400741187                           03           02/01/03          0
    0400741187                           O            01/01/33
    0

    8314439          E82/G02             F          185,100.00         ZZ
                                         360        185,100.00          1
                                       6.375          1,154.78         58
                                       6.125          1,154.78
    PARSIPPANY       NJ   07054          2            12/26/02         00
    0400745006                           03           02/01/03          0
    6264644                              O            01/01/33
    0

    8314501          E82/G02             F          194,000.00         ZZ
                                         360        194,000.00          1
                                       6.500          1,226.21         75
                                       6.250          1,226.21
    LAS VEGAS        NV   89107          5            12/26/02         00
    0400745691                           05           02/01/03          0
    0400745691                           O            01/01/33
    0

    8314521          E82/G02             F           81,200.00         ZZ
                                         360         81,200.00          1
                                       7.000            540.23         73
                                       6.750            540.23
    SPRING HILL      FL   34609          2            12/26/02         00
    0400734042                           05           02/01/03          0
    0400734042                           O            01/01/33
    0

    8314555          E82/G02             F          103,500.00         ZZ
                                         360        103,500.00          1
                                       6.375            645.71         90
                                       6.125            645.71
    SACRAMENTO       CA   95823          2            12/21/02         10
    0400727319                           05           02/01/03         25
    0400727319                           O            01/01/33
    0

    8314561          E82/G02             F          203,800.00         ZZ
                                         360        203,800.00          1
1

                                       6.375          1,271.45         80
                                       6.125          1,271.45
    BIDDEFORD        ME   04005          2            12/23/02         00
    0400746681                           05           02/01/03          0
    7703677                              O            01/01/33
    0

    8314573          E82/G02             F          108,800.00         ZZ
                                         360        108,800.00          1
                                       6.375            678.77         58
                                       6.125            678.77
    MORENO VALLEY    CA   92557          2            12/18/02         00
    0400744645                           05           02/01/03          0
    1901907                              N            01/01/33
    0

    8314611          E82/G02             F          114,000.00         ZZ
                                         360        114,000.00          1
                                       6.375            711.21         44
                                       6.125            711.21
    CARMICHAEL       CA   95608          5            12/19/02         00
    0400746632                           05           02/01/03          0
    0400746632                           O            01/01/33
    0

    8314625          E82/G02             F           86,700.00         ZZ
                                         360         86,700.00          1
                                       6.500            548.00         46
                                       6.250            548.00
    BOZEMAN          MT   59715          2            12/23/02         00
    0400738035                           05           02/01/03          0
    1766265                              O            01/01/33
    0

    8314629          E82/G02             F           77,050.00         ZZ
                                         360         77,050.00          1
                                       6.500            487.01         66
                                       6.250            487.01
    DAYTONA BEACH    FL   32119          2            12/23/02         00
    0400741542                           05           02/01/03          0
    0400741542                           O            01/01/33
    0

    8314643          E22/G02             F           99,000.00         ZZ
                                         360         99,000.00          1
                                       7.875            717.82         90
                                       7.625            717.82
    WEST PALM BEACH  FL   33407          1            12/27/02         04
    0415038439                           05           02/01/03         25
1

    0415038439                           N            01/01/33
    0

    8314647          E22/G02             F          147,998.00         ZZ
                                         360        147,998.00          1
                                       6.375            923.31         90
                                       6.125            923.31
    DAYTON           NV   89403          1            12/20/02         04
    0415117423                           05           02/01/03         25
    0415117423                           O            01/01/33
    0

    8314651          E22/G02             F          425,000.00         ZZ
                                         360        425,000.00          1
                                       6.500          2,686.29         78
                                       6.250          2,686.29
    SAN JOSE         CA   95118          5            12/16/02         00
    0415188168                           05           02/01/03          0
    0415188168                           O            01/01/33
    0

    8314655          E22/G02             F           40,500.00         ZZ
                                         360         40,500.00          2
                                       7.625            286.66         90
                                       7.375            286.66
    KALAMAZOO        MI   49001          1            12/27/02         11
    0415238633                           05           02/01/03         25
    0415238633                           N            01/01/33
    0

    8314671          E22/G02             F          162,500.00         ZZ
                                         360        162,500.00          1
                                       6.750          1,053.97         73
                                       6.500          1,053.97
    SPOKANE          WA   99203          2            12/12/02         00
    0415350818                           05           02/01/03          0
    0415350818                           O            01/01/33
    0

    8314679          E22/G02             F           59,100.00         ZZ
                                         360         59,100.00          1
                                       6.625            378.42         75
                                       6.375            378.42
    ALBANY           OR   97321          1            12/13/02         00
    0415367358                           05           02/01/03          0
    0415367358                           N            01/01/33
    0

1

    8314705          E22/G02             F          101,280.00         ZZ
                                         360        101,280.00          1
                                       6.250            623.60         80
                                       6.000            623.60
    ASHEVILLE        NC   28806          5            12/20/02         00
    0415501980                           05           02/01/03          0
    0415501980                           O            01/01/33
    0

    8314715          E22/G02             F          297,000.00         ZZ
                                         360        297,000.00          4
                                       7.750          2,127.74         90
                                       7.500          2,127.74
    EVERGREEN        IL   60805          1            12/27/02         01
    0415523240                           05           02/01/03         25
    0415523240                           N            01/01/33
    0

    8314735          E22/G02             F          685,500.00         ZZ
                                         360        685,500.00          1
                                       6.125          4,165.17         75
                                       5.875          4,165.17
    PALOS VERDES ES  CA   90274          1            12/18/02         00
    0415592484                           05           02/01/03          0
    0415592484                           O            01/01/33
    0

    8314751          E22/G02             F          380,000.00         ZZ
                                         360        380,000.00          1
                                       6.250          2,339.73         80
                                       6.000          2,339.73
    SIMI VALLEY      CA   93063          5            12/19/02         00
    0415620061                           05           02/01/03          0
    0415620061                           O            01/01/33
    0

    8314757          E22/G02             F          165,750.00         ZZ
                                         360        165,750.00          1
                                       6.750          1,075.05         85
                                       6.500          1,075.05
    WEST ORANGE      NJ   07052          5            12/20/02         01
    0415635721                           05           02/01/03         12
    0415635721                           O            01/01/33
    0

    8314763          E22/G02             F          216,100.00         ZZ
                                         360        216,100.00          1
                                       6.625          1,383.71         70
                                       6.375          1,383.71
1

    BELLEVUE         WA   98004          2            12/23/02         00
    0415653658                           05           02/01/03          0
    0415653658                           N            01/01/33
    0

    8314767          E22/G02             F          215,350.00         ZZ
                                         360        215,350.00          1
                                       6.625          1,378.91         70
                                       6.375          1,378.91
    BELLEVUE         WA   98004          2            12/23/02         00
    0415665496                           05           02/01/03          0
    0415665496                           N            01/01/33
    0

    8314771          E22/G02             F          192,000.00         ZZ
                                         360        192,000.00          1
                                       6.125          1,166.61         80
                                       5.875          1,166.61
    SACRAMENTO       CA   95826          5            12/17/02         00
    0415668318                           05           02/01/03          0
    0415668318                           O            01/01/33
    0

    8314775          E22/G02             F          544,000.00         ZZ
                                         360        544,000.00          1
                                       6.500          3,438.45         80
                                       6.250          3,438.45
    SACRAMENTO       CA   95864          5            12/19/02         00
    0415674589                           05           02/01/03          0
    0415674589                           O            01/01/33
    0

    8314777          E22/G02             F          173,600.00         ZZ
                                         360        173,600.00          1
                                       7.625          1,228.73         80
                                       7.375          1,228.73
    CHICAGO          IL   60634          1            12/27/02         00
    0415674944                           05           02/01/03          0
    0415674944                           N            01/01/33
    0

    8314785          E22/G02             F          171,000.00         ZZ
                                         360        171,000.00          1
                                       6.375          1,066.82         90
                                       6.125          1,066.82
    PEMBROKE PINES   FL   33027          1            12/27/02         04
    0415689991                           03           02/01/03         30
    0415689991                           O            01/01/33
    0
1

    8314791          E22/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       6.250            615.72         67
                                       6.000            615.72
    DEMOTTE          IN   46310          1            12/27/02         00
    0415694595                           05           02/01/03          0
    0415694595                           O            01/01/33
    0

    8314793          E22/G02             F           75,750.00         ZZ
                                         360         75,750.00          1
                                       7.625            536.15         75
                                       7.375            536.15
    ARGYLE           TX   76226          5            12/24/02         00
    0415695501                           05           02/01/03          0
    0415695501                           N            01/01/33
    0

    8314797          E22/G02             F          547,500.00         ZZ
                                         360        547,500.00          1
                                       6.750          3,551.07         75
                                       6.500          3,551.07
    ALAMEDA          CA   94501          5            12/20/02         00
    0415704956                           05           02/01/03          0
    0415704956                           O            01/01/33
    0

    8314799          E22/G02             F          193,875.00         ZZ
                                         360        193,875.00          4
                                       7.250          1,322.57         75
                                       7.000          1,322.57
    CLARKSTON        GA   30021          1            12/27/02         00
    0415709435                           05           02/01/03          0
    0415709435                           N            01/01/33
    0

    8314815          E22/G02             F           99,000.00         ZZ
                                         360         99,000.00          1
                                       6.500            625.75         50
                                       6.250            625.75
    SACRAMENTO       CA   95831          1            12/18/02         00
    0415725464                           07           02/01/03          0
    0415725464                           O            01/01/33
    0

    8314817          E22/G02             F          440,000.00         ZZ
                                         360        440,000.00          1
1

                                       6.375          2,745.03         80
                                       6.125          2,745.03
    BEND             OR   97702          2            12/19/02         00
    0415736545                           05           02/01/03          0
    0415736545                           O            01/01/33
    0

    8314823          E22/G02             F          153,200.00         ZZ
                                         360        153,200.00          1
                                       6.000            918.51         80
                                       5.750            918.51
    COLUMBUS         OH   43219          1            12/27/02         00
    0415744937                           05           02/01/03          0
    0415744937                           O            01/01/33
    0

    8314839          E22/G02             F          128,700.00         ZZ
                                         360        128,700.00          1
                                       7.250            877.96         90
                                       7.000            877.96
    SANDWICH         IL   60548          1            12/27/02         04
    0415786128                           05           02/01/03         30
    0415786128                           O            01/01/33
    0

    8315571          477/G02             F          180,000.00         ZZ
                                         360        180,000.00          1
                                       6.875          1,182.47         80
                                       6.625          1,182.47
    AZUSA            CA   91702          5            12/19/02         00
    0435175732                           01           02/01/03          0
    205525                               O            01/01/33
    0

    8315617          K15/G02             F          180,200.00         ZZ
                                         360        180,200.00          1
                                       6.250          1,109.52         71
                                       6.000          1,109.52
    HAVERHILL        MA   01830          5            12/20/02         00
    0435144704                           05           02/01/03          0
    024505507355                         O            01/01/33
    0

    8315647          944/G02             F          262,500.00         ZZ
                                         360        262,500.00          1
                                       6.375          1,637.66         75
                                       6.125          1,637.66
    SANTA CLARITA    CA   91355          5            12/04/02         00
    0435185269                           05           02/01/03          0
1

    W02033933                            O            01/01/33
    0

    8315687          K15/G02             F          373,000.00         ZZ
                                         360        373,000.00          1
                                       6.500          2,357.61         75
                                       6.250          2,357.61
    MILLER PLACE     NY   11764          2            12/18/02         00
    0435145511                           05           02/01/03          0
    020805508006                         O            01/01/33
    0

    8315821          696/G02             F          319,920.00         ZZ
                                         360        319,920.00          1
                                       6.250          1,969.80         80
                                       6.000          1,969.80
    LOVETTSVILLE     VA   20180          1            12/13/02         00
    0435138003                           05           02/01/03          0
    24002186                             O            01/01/33
    0

    8315949          253/253             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.500          2,528.27         64
                                       6.250          2,528.27
    PARK CITY        UT   84060          1            12/11/02         00
    446729                               05           02/01/03          0
    446729                               O            01/01/33
    0

    8316057          253/253             F           66,600.00         ZZ
                                         360         66,600.00          1
                                       7.625            471.40         90
                                       7.375            471.40
    DALLAS           TX   75228          1            12/10/02         14
    445576                               05           02/01/03         25
    445576                               N            01/01/33
    0

    8316139          420/G02             F          444,400.00         ZZ
                                         360        444,400.00          1
                                       6.375          2,772.48         80
                                       6.125          2,772.48
    NAPA             CA   94558          1            12/05/02         00
    0435152616                           05           02/01/03          0
    82000206                             O            01/01/33
    0

1

    8316309          U97/G02             F          236,000.00         ZZ
                                         360        236,000.00          1
                                       6.625          1,511.13         78
                                       6.375          1,511.13
    LA HABRA         CA   90631          5            12/07/02         00
    0435176482                           05           02/01/03          0
    0652013                              O            01/01/33
    0

    8316335          K15/G02             F          230,000.00         ZZ
                                         360        230,000.00          1
                                       6.500          1,453.76         74
                                       6.250          1,453.76
    MODESTO          CA   95356          5            12/12/02         00
    0435141643                           05           02/01/03          0
    026605504936                         O            01/01/33
    0

    8316379          E65/G02             F          524,000.00         ZZ
                                         360        524,000.00          1
                                       6.875          3,442.31         57
                                       6.625          3,442.31
    HOLLAND          MI   49423          5            12/12/02         00
    0435187851                           03           02/01/03          0
    254731                               O            01/01/33
    0

    8316415          N47/G02             F          204,000.00         ZZ
                                         360        204,000.00          1
                                       6.500          1,289.42         76
                                       6.250          1,289.42
    SAN DIEGO        CA   92154          2            12/17/02         00
    0435176227                           05           02/01/03          0
    30520687                             N            01/01/33
    0

    8316445          940/G02             F          225,000.00         ZZ
                                         360        225,000.00          1
                                       6.875          1,478.09         75
                                       6.625          1,478.09
    CHINO            CA   91710          5            12/23/02         00
    0435165196                           05           02/01/03          0
    60020358                             O            01/01/33
    0

    8317281          N74/G02             F           93,500.00         ZZ
                                         360         93,417.51          1
                                       6.625            598.69         85
                                       6.375            598.69
1

    ROGERS           AR   72756          5            12/20/02         10
    0435191465                           05           01/26/03         12
    0031411010                           O            12/26/32
    0

    8318171          E11/G02             F          335,400.00         ZZ
                                         360        335,400.00          1
                                       6.375          2,092.46         73
                                       6.125          2,092.46
    MAPLE LAKE       MN   55358          5            12/17/02         00
    0435138953                           05           02/01/03          0
    0003001052096                        O            01/01/33
    0

    8318185          588/G02             F          452,000.00         ZZ
                                         360        451,238.35          1
                                       6.875          2,969.32         80
                                       6.625          2,969.32
    BOROUGH OF CLOS  NJ   07624          1            10/31/02         00
    0435165220                           05           12/01/02          0
    1075861                              O            11/01/32
    0

    8318221          E47/G02             F          192,000.00         ZZ
                                         360        192,000.00          1
                                       6.375          1,197.83         80
                                       6.125          1,197.83
    OAKLAND          CA   94621          2            12/09/02         00
    0435138466                           05           02/01/03          0
    7359512578                           O            01/01/33
    0

    8318223          K15/G02             F           70,100.00         ZZ
                                         360         70,100.00          1
                                       7.250            478.21         80
                                       7.000            478.21
    MINNEAPOLIS      MN   55412          5            12/17/02         00
    0435147061                           05           02/01/03          0
    013205507229                         O            01/01/33
    0

    8318225          952/G02             F           81,000.00         ZZ
                                         360         81,000.00          1
                                       6.875            532.11         41
                                       6.625            532.11
    VENICE           FL   34285          5            12/12/02         00
    0435138516                           05           02/01/03          0
    00620187                             O            01/01/33
    0
1

    8318253          G34/G02             F           93,000.00         ZZ
                                         360         93,000.00          2
                                       7.625            658.25         80
                                       7.375            658.25
    SENATOBIA        MS   38668          2            12/13/02         00
    0435156567                           05           02/01/03          0
    15712005                             N            01/01/33
    0

    8318259          K15/G02             F          264,000.00         ZZ
                                         360        264,000.00          1
                                       6.125          1,604.09         80
                                       5.875          1,604.09
    JAMAICA          NY   11434          5            12/10/02         00
    0435171236                           05           02/01/03          0
    020605300057                         O            01/01/33
    0

    8318265          A19/G02             F          245,600.00         ZZ
                                         360        245,600.00          1
                                       6.250          1,512.20         80
                                       6.000          1,512.20
    BEVERLY          MA   01915          1            12/30/02         00
    0435165477                           05           02/01/03          0
    0212083                              O            01/01/33
    0

    8318269          883/G02             F          172,250.00         ZZ
                                         360        172,250.00          3
                                       6.250          1,060.57         65
                                       6.000          1,060.57
    WILMINGTON       DE   19806          5            12/20/02         00
    0435159603                           05           02/01/03          0
    05019080                             N            01/01/33
    0

    8318277          A46/G02             F           33,000.00         ZZ
                                         360         33,000.00          1
                                       7.125            222.33         71
                                       6.875            222.33
    ALBUQUERQUE      NM   87109          1            12/06/02         00
    0435142872                           01           02/01/03          0
    0464088                              O            01/01/33
    0

    8318339          K15/G02             F           55,200.00         ZZ
                                         360         55,200.00          1
1

                                       7.625            390.70         80
                                       7.375            390.70
    GRAND RAPIDS     MI   49508          5            12/17/02         00
    0435146212                           05           02/01/03          0
    03590550529                          N            01/01/33
    0

    8318355          K15/G02             F          155,400.00         ZZ
                                         360        155,400.00          1
                                       7.500          1,086.58         80
                                       7.250          1,086.58
    GOFFSTOWN        NH   03045          5            12/18/02         00
    0435145974                           05           02/01/03          0
    033305306518                         O            01/01/33
    0

    8318357          E11/G02             F          162,000.00         ZZ
                                         360        162,000.00          1
                                       6.750          1,050.73         90
                                       6.500          1,050.73
    COON RAPIDS      MN   55433          5            12/16/02         04
    0435172499                           05           02/01/03         25
    252437                               O            01/01/33
    0

    8318383          S27/G02             F           83,000.00         T
                                         360         83,000.00          1
                                       7.250            566.21         77
                                       7.000            566.21
    FORT MYERS       FL   33907          2            12/10/02         00
    0435172275                           05           02/01/03          0
    1010024461                           O            01/01/33
    0

    8318395          U97/G02             F          162,000.00         ZZ
                                         360        162,000.00          1
                                       7.250          1,105.13         89
                                       7.000          1,105.13
    GLENDALE         CA   91205          5            12/07/02         14
    0435167077                           01           02/01/03         25
    0651325                              O            01/01/33
    0

    8318491          W93/G02             F          540,000.00         ZZ
                                         360        539,511.83          1
                                       6.500          3,413.17         80
                                       6.250          3,413.17
    GILROY           CA   95020          1            11/05/02         00
    0435159249                           05           01/01/03          0
1

    2432830                              O            12/01/32
    0

    8318507          U05/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       6.375            549.01         80
                                       6.125            549.01
    PORT ST. LUCIE   FL   34952          5            12/09/02         00
    0435153739                           05           02/01/03          0
    3287820                              O            01/01/33
    0

    8318813          696/G02             F           83,200.00         ZZ
                                         360         83,200.00          1
                                       6.500            525.88         80
                                       6.250            525.88
    WASHINGTON       DC   20037          1            12/27/02         00
    0435183140                           01           02/01/03          0
    23602181                             N            01/01/33
    0

    8318831          L76/G02             F          138,000.00         ZZ
                                         360        138,000.00          1
                                       5.875            816.32         75
                                       5.625            816.32
    FARIBAULT        MN   55021          2            12/23/02         00
    0435132121                           05           02/01/03          0
    9507385                              O            01/01/33
    0

    8318851          X71/G02             F          296,000.00         ZZ
                                         360        296,000.00          1
                                       6.875          1,944.51         78
                                       6.625          1,944.51
    UNION CITY       CA   94587          5            12/10/02         00
    0435148523                           01           02/01/03          0
    7573689                              O            01/01/33
    0

    8319499          K15/G02             F          103,500.00         ZZ
                                         360        103,500.00          1
                                       7.250            706.05         90
                                       7.000            706.05
    PLYMOUTH TOWNSH  OH   44004          2            12/26/02         11
    0435167051                           05           02/01/03         25
    028605505251                         O            01/01/33
    0

1

    8319501          642/G02             F          139,100.00         ZZ
                                         360        139,100.00          1
                                       6.250            856.46         80
                                       6.000            856.46
    AURORA           CO   80010          5            12/26/02         00
    0435156211                           05           02/01/03          0
    12143902                             O            01/01/33
    0

    8319543          K15/G02             F          154,000.00         ZZ
                                         240        154,000.00          1
                                       6.250          1,125.63         77
                                       6.000          1,125.63
    DUSON            LA   70529          5            12/26/02         00
    0435171483                           05           02/01/03          0
    000805508380                         O            01/01/23
    0

    8319571          K15/G02             F           97,200.00         ZZ
                                         360         97,200.00          1
                                       7.500            679.64         90
                                       7.250            679.64
    CINCINNATI       OH   45216          5            12/26/02         41
    0435172408                           05           02/01/03         25
    027805504320                         O            01/01/33
    0

    8319583          K15/G02             F          145,000.00         ZZ
                                         360        145,000.00          1
                                       6.125            881.04         79
                                       5.875            881.04
    PRINCETON        MN   55371          5            12/19/02         00
    0435171491                           05           02/01/03          0
    013105507910                         O            01/01/33
    0

    8319633          P09/G02             F          150,000.00         ZZ
                                         360        150,000.00          1
                                       6.500            948.10         65
                                       6.250            948.10
    CENTREVILLE      VA   20120          5            12/20/02         00
    0435174370                           09           02/01/03          0
    SCHALOWJ                             O            01/01/33
    0

    8319733          X51/G02             F          343,200.00         ZZ
                                         360        343,200.00          1
                                       6.375          2,141.12         80
                                       6.125          2,141.12
1

    REDONDO BEACH    CA   90278          5            12/21/02         00
    0435151865                           05           02/01/03          0
    R2054498                             O            01/01/33
    0

    8319931          X64/G02             F          120,000.00         ZZ
                                         360        120,000.00          1
                                       6.375            748.64         76
                                       6.125            748.64
    WESTLAND         MI   48185          5            12/20/02         00
    0435158514                           05           02/01/03          0
    0000001653                           O            01/01/33
    0

    8319951          X64/G02             F           82,000.00         ZZ
                                         360         82,000.00          1
                                       7.500            573.36         87
                                       7.250            573.36
    WARREN           MI   48091          5            12/10/02         11
    0435158811                           05           02/01/03         25
    0000003851                           O            01/01/33
    0

    8320201          X08/G02             F          223,100.00         ZZ
                                         360        223,100.00          2
                                       6.750          1,447.02         80
                                       6.500          1,447.02
    SALT LAKE CITY   UT   84117          2            12/12/02         00
    0435138771                           05           02/01/03          0
    6019263                              N            01/01/33
    0

    8320513          L16/G02             F           46,800.00         ZZ
                                         360         46,800.00          3
                                       7.750            335.28         90
                                       7.500            335.28
    CANTON           OH   44703          1            12/20/02         04
    0435170170                           05           02/01/03         25
    7908                                 N            01/01/33
    0

    8320597          E22/G02             F          596,000.00         ZZ
                                         360        596,000.00          1
                                       6.000          3,573.32         80
                                       5.750          3,573.32
    SAM DIMAS        CA   91773          1            12/20/02         00
    0415625953                           03           02/01/03          0
    0415625953                           O            01/01/33
    0
1

    8320611          E22/G02             F          325,000.00         ZZ
                                         360        325,000.00          1
                                       6.250          2,001.08         36
                                       6.000          2,001.08
    SAN RAMON        CA   94583          2            12/12/02         00
    0415640242                           03           02/01/03          0
    0415640242                           O            01/01/33
    0

    8320617          E22/G02             F          310,000.00         ZZ
                                         360        310,000.00          1
                                       6.500          1,959.41         80
                                       6.250          1,959.41
    HAYWARD          CA   94544          2            12/08/02         00
    0415645555                           05           02/01/03          0
    0415645555                           O            01/01/33
    0

    8320621          E22/G02             F           79,800.00         ZZ
                                         360         79,800.00          1
                                       7.750            571.70         95
                                       7.500            571.70
    FORT WAYNE       IN   46808          5            12/23/02         01
    0415648427                           05           02/01/03         30
    0415648427                           O            01/01/33
    0

    8320625          E22/G02             F          265,000.00         ZZ
                                         360        265,000.00          1
                                       6.375          1,653.26         76
                                       6.125          1,653.26
    VALLEJO          CA   94591          2            12/17/02         00
    0415658996                           03           02/01/03          0
    0415658996                           O            01/01/33
    0

    8320633          E22/G02             F           76,000.00         ZZ
                                         360         76,000.00          1
                                       6.625            486.64         78
                                       6.375            486.64
    PUEBLO           CO   81004          2            12/27/02         00
    0415666445                           05           02/01/03          0
    0415666445                           N            01/01/33
    0

    8320635          E22/G02             F          360,000.00         ZZ
                                         360        360,000.00          1
1

                                       6.375          2,245.93         70
                                       6.125          2,245.93
    PENRYN           CA   95663          5            12/20/02         00
    0415667179                           05           02/01/03          0
    0415667179                           O            01/01/33
    0

    8320639          E22/G02             F          143,500.00         ZZ
                                         360        143,500.00          1
                                       6.250            883.55         67
                                       6.000            883.55
    DUARTE           CA   91010          5            12/18/02         00
    0415671486                           05           02/01/03          0
    0415671486                           O            01/01/33
    0

    8320641          E22/G02             F          300,700.00         ZZ
                                         360        300,700.00          1
                                       6.250          1,851.46         78
                                       6.000          1,851.46
    RENO             NV   89509          5            12/24/02         00
    0415671890                           03           02/01/03          0
    0415671890                           O            01/01/33
    0

    8320667          E22/G02             F          224,000.00         ZZ
                                         360        224,000.00          1
                                       6.750          1,452.86         80
                                       6.500          1,452.86
    DOWNEY           CA   90242          1            12/12/02         00
    0415685866                           05           02/01/03          0
    0415685866                           O            01/01/33
    0

    8320675          E22/G02             F          284,000.00         ZZ
                                         360        284,000.00          1
                                       6.500          1,795.07         80
                                       6.250          1,795.07
    AUSTIN           TX   78746          5            12/23/02         00
    0415687227                           05           02/01/03          0
    0415687227                           O            01/01/33
    0

    8320681          E22/G02             F          265,000.00         ZZ
                                         360        265,000.00          1
                                       6.500          1,674.98         76
                                       6.250          1,674.98
    WANTAUGH         NY   11793          5            12/23/02         00
    0415688928                           05           02/01/03          0
1

    0415688928                           O            01/01/33
    0

    8320697          E22/G02             F           84,550.00         ZZ
                                         360         84,550.00          1
                                       6.875            555.43         95
                                       6.625            555.43
    SOUTH BEND       IN   46615          5            12/23/02         11
    0415697911                           05           02/01/03         30
    0415697911                           O            01/01/33
    0

    8320699          E22/G02             F          107,700.00         ZZ
                                         360        107,700.00          1
                                       6.500            680.74         72
                                       6.250            680.74
    RIVERSIDE        CA   92501          2            12/17/02         00
    0415702935                           05           02/01/03          0
    0415702935                           O            01/01/33
    0

    8320703          E22/G02             F          242,900.00         ZZ
                                         360        242,900.00          1
                                       7.500          1,698.39         90
                                       7.250          1,698.39
    BRICK            NJ   08723          1            12/30/02         04
    0415703701                           05           02/01/03         30
    0415703701                           O            01/01/33
    0

    8320707          E22/G02             F          125,400.00         ZZ
                                         360        125,400.00          1
                                       6.375            782.33         95
                                       6.125            782.33
    GREENFIELD       IN   46140          5            12/23/02         04
    0415705995                           05           02/01/03         30
    0415705995                           O            01/01/33
    0

    8320749          532/G02             F           91,500.00         ZZ
                                         360         91,500.00          1
                                       6.250            563.38         39
                                       6.000            563.38
    LAKE FOREST      CA   92630          5            12/13/02         00
    0435182183                           01           02/01/03          0
    PF03067                              O            01/01/33
    0

1

    8320751          E22/G02             F          149,600.00         ZZ
                                         360        149,600.00          1
                                       6.875            982.77         80
                                       6.625            982.77
    PUYALLUP         WA   98373          5            12/20/02         00
    0415706258                           05           02/01/03          0
    0415706258                           O            01/01/33
    0

    8320757          E22/G02             F          162,000.00         ZZ
                                         360        162,000.00          1
                                       6.625          1,037.30         90
                                       6.375          1,037.30
    MIAMI            FL   33178          5            12/24/02         01
    0415711001                           01           02/01/03         25
    0415711001                           O            01/01/33
    0

    8320771          E22/G02             F          520,000.00         ZZ
                                         360        520,000.00          1
                                       6.375          3,244.12         80
                                       6.125          3,244.12
    MONROVIA         CA   91016          5            12/16/02         00
    0415712264                           05           02/01/03          0
    0415712264                           O            01/01/33
    0

    8320775          E22/G02             F          280,000.00         ZZ
                                         360        280,000.00          1
                                       6.250          1,724.01         80
                                       6.000          1,724.01
    HYPOLUXO         FL   33462          1            12/30/02         00
    0415715333                           09           02/01/03          0
    0415715333                           O            01/01/33
    0

    8320819          Q57/G02             F           66,405.00         ZZ
                                         360         66,405.00          1
                                       6.875            436.23         95
                                       6.625            436.23
    PENSACOLA        FL   32504          1            12/17/02         10
    0435153861                           05           02/01/03         30
    46900453                             O            01/01/33
    0

    8320823          E22/G02             F          173,500.00         ZZ
                                         360        173,500.00          1
                                       6.375          1,082.41         80
                                       6.125          1,082.41
1

    YAKIMA           WA   98908          5            12/23/02         00
    0415729870                           05           02/01/03          0
    0415729870                           O            01/01/33
    0

    8320827          E22/G02             F          159,100.00         ZZ
                                         360        159,100.00          1
                                       6.875          1,045.17         90
                                       6.625          1,045.17
    AUBURN           WA   98002          1            12/23/02         10
    0415730175                           05           02/01/03         25
    0415730175                           N            01/01/33
    0

    8320835          E22/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.750          2,594.39         80
                                       6.500          2,594.39
    RESCUE           CA   95672          1            12/23/02         00
    0415782820                           05           02/01/03          0
    0415782820                           O            01/01/33
    0

    8320867          E22/G02             F          236,390.00         ZZ
                                         360        236,390.00          1
                                       6.375          1,474.77         85
                                       6.125          1,474.77
    BIRCH RUN        MI   48415          2            12/23/02         04
    0415734615                           05           02/01/03         12
    0415734615                           O            01/01/33
    0

    8320895          E22/G02             F          389,000.00         ZZ
                                         360        389,000.00          1
                                       6.500          2,458.74         78
                                       6.250          2,458.74
    LAGUNA NIGUEL    CA   92677          5            12/19/02         00
    0415739606                           05           02/01/03          0
    0415739606                           O            01/01/33
    0

    8320901          E22/G02             F          260,200.00         ZZ
                                         360        260,200.00          1
                                       6.125          1,581.00         52
                                       5.875          1,581.00
    SHINGLE SPRINGS  CA   95682          5            12/23/02         00
    0415741057                           05           02/01/03          0
    0415741057                           O            01/01/33
    0
1

    8320945          E22/G02             F           98,800.00         ZZ
                                         360         98,800.00          1
                                       7.375            682.39         95
                                       7.125            682.39
    LAPEER           MI   48446          1            12/30/02         01
    0415767508                           05           02/01/03         35
    0415767508                           O            01/01/33
    0

    8320959          E22/G02             F          216,800.00         ZZ
                                         360        216,800.00          1
                                       6.375          1,352.55         80
                                       6.125          1,352.55
    TAMPA            FL   33612          1            12/30/02         00
    0415777192                           03           02/01/03          0
    0415777192                           O            01/01/33
    0

    8320979          E22/G02             F           34,000.00         ZZ
                                         360         34,000.00          1
                                       6.500            214.90         85
                                       6.250            214.90
    BOSQUE           NM   87006          5            12/23/02         01
    0415081702                           05           02/01/03         12
    0415081702                           O            01/01/33
    0

    8321025          E22/G02             F          136,000.00         ZZ
                                         360        136,000.00          1
                                       6.625            870.82         74
                                       6.375            870.82
    SEATTLE          WA   98178          2            12/19/02         00
    0415211366                           05           02/01/03          0
    0415211366                           N            01/01/33
    0

    8321039          E22/G02             F          556,000.00         ZZ
                                         360        556,000.00          1
                                       6.375          3,468.72         80
                                       6.125          3,468.72
    GRANITE BAY      CA   95746          5            12/19/02         00
    0415221159                           03           02/01/03          0
    0415221159                           O            01/01/33
    0

    8321105          E22/G02             F          284,000.00         ZZ
                                         360        284,000.00          1
1

                                       6.375          1,771.79         80
                                       6.125          1,771.79
    CHICAGO          IL   60626          5            12/24/02         00
    0415355643                           05           02/01/03          0
    0415355643                           O            01/01/33
    0

    8321135          E22/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.375          1,247.74         67
                                       6.125          1,247.74
    LA (TORRENCE AR  CA   90501          5            12/17/02         00
    0415403948                           05           02/01/03          0
    0415403948                           O            01/01/33
    0

    8321163          E22/G02             F          244,000.00         ZZ
                                         360        244,000.00          1
                                       6.625          1,562.36         80
                                       6.375          1,562.36
    FORT WORTH       TX   76137          5            12/20/02         00
    0415429356                           03           02/01/03          0
    0415429356                           O            01/01/33
    0

    8321181          E22/G02             F           72,900.00         ZZ
                                         360         72,900.00          1
                                       6.375            454.80         90
                                       6.125            454.80
    ORLANDO          FL   32811          5            12/23/02         10
    0415459668                           01           02/01/03         30
    0415459668                           O            01/01/33
    0

    8321205          X82/G02             F          214,000.00         ZZ
                                         360        214,000.00          1
                                       6.875          1,405.83         64
                                       6.625          1,405.83
    WOODBRIDGE       VA   22193          2            12/18/02         00
    0435164504                           03           02/01/03          0
    844599                               O            01/01/33
    0

    8321217          E22/G02             F          236,000.00         ZZ
                                         360        236,000.00          1
                                       6.375          1,472.33         80
                                       6.125          1,472.33
    ANTIOCH          CA   94509          5            12/20/02         00
    0415514355                           05           02/01/03          0
1

    0415514355                           N            01/01/33
    0

    8321239          E22/G02             F          273,000.00         ZZ
                                         360        273,000.00          1
                                       6.375          1,703.16         65
                                       6.125          1,703.16
    LA (NORTH HOLLY  CA   91601          5            12/23/02         00
    0415537398                           05           02/01/03          0
    0415537398                           N            01/01/33
    0

    8321241          E22/G02             F          258,750.00         ZZ
                                         360        258,750.00          1
                                       6.625          1,656.80         80
                                       6.375          1,656.80
    ROCKFORD         MI   49341          5            12/23/02         00
    0415539360                           05           02/01/03          0
    0415539360                           O            01/01/33
    0

    8321245          E22/G02             F          191,900.00         ZZ
                                         360        191,900.00          1
                                       6.500          1,212.94         80
                                       6.250          1,212.94
    MIAMI            FL   33185          1            12/17/02         00
    0415547520                           05           02/01/03          0
    0415547520                           O            01/01/33
    0

    8321265          E22/G02             F          156,000.00         ZZ
                                         360        156,000.00          1
                                       6.625            998.89         76
                                       6.375            998.89
    CHESTERFIELD TW  MI   48047          2            12/23/02         00
    0415566868                           05           02/01/03          0
    0415566868                           O            01/01/33
    0

    8321273          E22/G02             F          122,400.00         ZZ
                                         360        122,400.00          1
                                       6.250            753.64         73
                                       6.000            753.64
    PROVO            UT   84604          1            12/19/02         00
    0415573443                           01           02/01/03          0
    0415573443                           N            01/01/33
    0

1

    8321277          E22/G02             F          105,000.00         ZZ
                                         360        105,000.00          1
                                       6.250            646.50         70
                                       6.000            646.50
    PROVO            UT   84604          1            12/19/02         00
    0415574185                           01           02/01/03          0
    0415574185                           N            01/01/33
    0

    8321295          253/253             F           75,000.00         ZZ
                                         360         75,000.00          1
                                       7.500            524.42         75
                                       7.250            524.42
    FORT WORTH       TX   76107          5            12/12/02         00
    445819                               05           02/01/03          0
    445819                               N            01/01/33
    0

    8321299          E22/G02             F          300,700.00         ZZ
                                         360        300,700.00          1
                                       6.750          1,950.33         79
                                       6.500          1,950.33
    VENTURA          CA   93004          5            12/19/02         00
    0415595370                           05           02/01/03          0
    0415595370                           O            01/01/33
    0

    8321315          E22/G02             F          230,400.00         ZZ
                                         360        230,400.00          1
                                       6.375          1,437.40         80
                                       6.125          1,437.40
    ARLINGTON        VA   22206          1            12/30/02         00
    0415608686                           01           02/01/03          0
    0415608686                           O            01/01/33
    0

    8321321          E22/G02             F          140,669.00         T
                                         360        140,669.00          1
                                       6.500            889.12         90
                                       6.250            889.12
    LITHIA           FL   33547          1            12/30/02         01
    0415616697                           03           02/01/03         30
    0415616697                           O            01/01/33
    0

    8321329          E22/G02             F          223,125.00         ZZ
                                         360        223,125.00          3
                                       6.875          1,465.77         75
                                       6.625          1,465.77
1

    MANCHESTER       NH   03104          1            12/27/02         00
    0415623560                           05           02/01/03          0
    0415623560                           N            01/01/33
    0

    8321331          E22/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.375          1,247.74         69
                                       6.125          1,247.74
    MARBLE FALLS     TX   78654          5            12/23/02         00
    0415624824                           05           02/01/03          0
    0415624824                           O            01/01/33
    0

    8321337          K15/G02             F          216,000.00         ZZ
                                         360        216,000.00          1
                                       7.625          1,528.83         94
                                       7.375          1,528.83
    BRENTWOOD        NY   11717          2            12/26/02         41
    0435166707                           05           02/01/03         30
    011205508568                         O            01/01/33
    0

    8321411          253/253             F          382,000.00         ZZ
                                         360        382,000.00          1
                                       6.375          2,383.18         69
                                       6.125          2,383.18
    LOVELAND         CO   80538          5            12/17/02         00
    449483                               05           02/01/03          0
    449483                               O            01/01/33
    0

    8321457          E82/G02             F          178,000.00         ZZ
                                         360        178,000.00          1
                                       6.375          1,110.49         52
                                       6.125          1,110.49
    HAWTHORN WOODS   IL   60047          2            12/18/02         00
    0400748182                           03           02/01/03          0
    1630757                              O            01/01/33
    0

    8321471          E82/G02             F           94,800.00         ZZ
                                         360         94,800.00          1
                                       6.375            591.43         80
                                       6.125            591.43
    CORVALLIS        OR   97333          2            12/17/02         00
    0400739819                           05           02/01/03          0
    1607280                              O            01/01/33
    0
1

    8321501          E82/G02             F           75,000.00         ZZ
                                         360         75,000.00          1
                                       6.750            486.45         35
                                       6.500            486.45
    WYOMING          MI   49418          2            12/17/02         00
    0400748224                           05           02/01/03          0
    4202157                              O            01/01/33
    0

    8321509          E82/G02             F          220,000.00         ZZ
                                         360        220,000.00          1
                                       6.500          1,390.55         58
                                       6.250          1,390.55
    NORTH HAVEN      CT   06473          2            12/18/02         00
    0400743118                           05           02/01/03          0
    0400743118                           O            01/01/33
    0

    8321513          E82/G02             F          103,900.00         ZZ
                                         360        103,900.00          1
                                       6.375            648.20         62
                                       6.125            648.20
    LADY LAKE        FL   32159          2            12/18/02         00
    0400746343                           05           02/01/03          0
    2912853                              O            01/01/33
    0

    8321517          E82/G02             F          101,000.00         ZZ
                                         360        101,000.00          1
                                       6.500            638.39         74
                                       6.250            638.39
    BRADENTON        FL   34202          2            12/17/02         00
    0400740338                           05           02/01/03          0
    1740553                              O            01/01/33
    0

    8321551          X08/G02             F          134,100.00         ZZ
                                         360        134,100.00          2
                                       7.500            937.65         90
                                       7.250            937.65
    LOGAN            UT   84321          1            12/12/02         04
    0435141262                           05           02/01/03         25
    6019741                              N            01/01/33
    0

    8321557          944/G02             F          360,000.00         ZZ
                                         360        360,000.00          1
1

                                       6.375          2,245.94         74
                                       6.125          2,245.94
    SAN JOSE         CA   95123          5            12/10/02         00
    0435164322                           05           02/01/03          0
    W02034155                            O            01/01/33
    0

    8321569          Q73/G02             F           70,650.00         ZZ
                                         360         70,650.00          1
                                       6.375            440.76         90
                                       6.125            440.76
    GULFPORT         MS   39507          5            12/26/02         12
    0435153952                           05           02/01/03         25
    3003059                              O            01/01/33
    0

    8321613          825/G02             F          180,000.00         T
                                         360        180,000.00          1
                                       6.875          1,182.47         66
                                       6.625          1,182.47
    BRECKENRIDGE     CO   80424          1            12/20/02         00
    0435180765                           01           02/01/03          0
    RABE26702                            O            01/01/33
    0

    8321619          U97/G02             F          161,500.00         ZZ
                                         360        161,500.00          1
                                       6.250            994.38         28
                                       6.000            994.38
    YORBA LINDA      CA   92886          5            12/17/02         00
    0435177803                           05           02/01/03          0
    0653660                              O            01/01/33
    0

    8321639          E82/G02             F          101,700.00         ZZ
                                         360        101,700.00          1
                                       6.125            617.94         63
                                       5.875            617.94
    BASTROP          TX   78602          2            12/27/02         00
    0400743381                           05           02/01/03          0
    1553971                              O            01/01/33
    0

    8321653          H81/G02             F          103,920.00         ZZ
                                         360        103,920.00          1
                                       7.250            708.92         80
                                       7.000            708.92
    MILWAUKEE        WI   53222          1            12/18/02         00
    0435153960                           05           02/01/03          0
1

    WH17399                              O            01/01/33
    0

    8321665          K15/G02             F          156,700.00         ZZ
                                         360        156,700.00          1
                                       6.375            977.60         80
                                       6.125            977.60
    CANTON           CT   06019          2            12/18/02         00
    0435161880                           03           02/01/03          0
    037605505207                         O            01/01/33
    0

    8321743          A06/G02             F          158,000.00         ZZ
                                         360        158,000.00          1
                                       6.125            960.03         78
                                       5.875            960.03
    ROYAL OAK        MI   48067          2            12/18/02         00
    0435153580                           05           02/01/03          0
    1000010202079                        O            01/01/33
    0

    8321781          K15/G02             F          300,100.00         ZZ
                                         360        300,100.00          3
                                       6.125          1,823.44         79
                                       5.875          1,823.44
    BRONX            NY   10466          5            12/21/02         00
    0435163522                           05           02/01/03          0
    020805506319                         O            01/01/33
    0

    8321819          K15/G02             F          139,400.00         ZZ
                                         360        139,400.00          1
                                       7.250            950.95         85
                                       7.000            950.95
    PORTLAND         ME   04103          5            12/26/02         41
    0435172424                           05           02/01/03         12
    007605506300                         O            01/01/33
    0

    8321827          K15/G02             F          198,000.00         ZZ
                                         360        198,000.00          1
                                       6.250          1,219.12         64
                                       6.000          1,219.12
    PAWLET           VT   05761          5            12/26/02         00
    0435197827                           05           02/01/03          0
    037105504921                         O            01/01/33
    0

1

    8322051          P44/G02             F           92,000.00         ZZ
                                         360         92,000.00          1
                                       6.625            589.09         80
                                       6.375            589.09
    BOURNE(BUZZARDS  MA   02532          1            12/16/02         00
    0435167341                           01           02/01/03          0
    019329332                            O            01/01/33
    0

    8322175          696/G02             F          485,600.00         ZZ
                                         360        485,600.00          1
                                       6.375          3,029.51         80
                                       6.125          3,029.51
    HAMILTON         VA   20158          1            12/27/02         00
    0435169891                           05           02/01/03          0
    24002209                             O            01/01/33
    0

    8322211          696/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.375          1,247.74         80
                                       6.125          1,247.74
    WASHINGTON       DC   20001          1            12/27/02         00
    0435169040                           07           02/01/03          0
    31202648                             O            01/01/33
    0

    8322463          E82/G02             F          106,200.00         ZZ
                                         360        106,200.00          1
                                       6.375            662.55         66
                                       6.125            662.55
    CLAYMONT         DE   19703          2            12/23/02         00
    0400739850                           05           02/01/03          0
    1862937                              O            01/01/33
    0

    8322467          E82/G02             F          137,200.00         ZZ
                                         360        137,200.00          1
                                       6.375            855.95         73
                                       6.125            855.95
    PORTLAND         OR   97213          2            12/30/02         00
    0400753976                           05           02/01/03          0
    1683895                              N            01/01/33
    0

    8322549          E22/G02             F          172,800.00         ZZ
                                         360        172,800.00          1
                                       6.625          1,106.46         90
                                       6.375          1,106.46
1

    FORT WORTH       TX   76179          2            12/26/02         01
    0415676600                           05           02/01/03         25
    0415676600                           O            01/01/33
    0

    8322569          E22/G02             F          216,000.00         ZZ
                                         360        216,000.00          1
                                       6.375          1,347.56         80
                                       6.125          1,347.56
    LOS ANGELES      CA   91352          5            12/14/02         00
    0415688506                           05           02/01/03          0
    0415688506                           O            01/01/33
    0

    8322591          E22/G02             F           35,000.00         ZZ
                                         240         35,000.00          1
                                       7.000            271.35         50
                                       6.750            271.35
    CHARLESTON       SC   29407          5            12/26/02         00
    0415195387                           05           02/01/03          0
    0415195387                           O            01/01/23
    0

    8322613          E22/G02             F           93,000.00         ZZ
                                         360         93,000.00          1
                                       7.375            642.33         93
                                       7.125            642.33
    MEMPHIS          TN   38117          5            12/23/02         10
    0415343748                           05           02/01/03         30
    0415343748                           O            01/01/33
    0

    8322615          E22/G02             F          141,000.00         ZZ
                                         360        141,000.00          1
                                       7.500            985.89         94
                                       7.250            985.89
    RIVERSIDE        CA   92501          2            12/10/02         11
    0415349521                           05           02/01/03         30
    0415349521                           O            01/01/33
    0

    8322619          E22/G02             F           95,000.00         ZZ
                                         360         95,000.00          1
                                       6.500            600.46         76
                                       6.250            600.46
    LOUISVILLE       KY   40299          2            12/31/02         00
    0415376136                           05           02/01/03          0
    0415376136                           N            01/01/33
    0
1

    8322643          E22/G02             F          235,210.00         ZZ
                                         360        235,210.00          1
                                       6.500          1,486.69         93
                                       6.250          1,486.69
    SCARBOROUGH      ME   04074          5            12/18/02         04
    0415415884                           05           02/01/03         25
    0415415884                           O            01/01/33
    0

    8322649          E22/G02             F          425,700.00         ZZ
                                         360        425,700.00          1
                                       6.125          2,586.60         66
                                       5.875          2,586.60
    AURORA           OR   97002          2            12/23/02         00
    0415424837                           05           02/01/03          0
    0415424837                           O            01/01/33
    0

    8322653          E22/G02             F          144,500.00         ZZ
                                         360        144,500.00          1
                                       6.500            913.34         85
                                       6.250            913.34
    SOUTH HAVEN      MI   49090          5            12/27/02         04
    0415426444                           05           02/01/03         12
    0415426444                           O            01/01/33
    0

    8322655          E22/G02             F          112,500.00         ZZ
                                         360        112,500.00          1
                                       6.875            739.04         75
                                       6.625            739.04
    PORTLAND         OR   97206          2            12/26/02         00
    0415432087                           05           02/01/03          0
    0415432087                           N            01/01/33
    0

    8322659          E22/G02             F          184,000.00         ZZ
                                         360        184,000.00          1
                                       6.125          1,118.00         80
                                       5.875          1,118.00
    EUGENE           OR   97408          5            12/23/02         00
    0415437078                           05           02/01/03          0
    0415437078                           O            01/01/33
    0

    8322671          E22/G02             F          410,000.00         ZZ
                                         360        410,000.00          1
1

                                       6.375          2,557.87         74
                                       6.125          2,557.87
    LA (NORTHRIDGE)  CA   91325          5            12/13/02         00
    0415456391                           05           02/01/03          0
    0415456391                           O            01/01/33
    0

    8322673          E22/G02             F          171,000.00         ZZ
                                         360        171,000.00          1
                                       6.875          1,123.35         95
                                       6.625          1,123.35
    RALEIGH          NC   27606          2            12/23/02         11
    0415462506                           05           02/01/03         30
    0415462506                           O            01/01/33
    0

    8322679          E22/G02             F          524,000.00         ZZ
                                         360        524,000.00          1
                                       6.000          3,141.64         53
                                       5.750          3,141.64
    PALOS VERDES ES  CA   90274          2            12/20/02         00
    0415482272                           05           02/01/03          0
    0415482272                           O            01/01/33
    0

    8322689          E22/G02             F          207,000.00         ZZ
                                         360        207,000.00          1
                                       6.375          1,291.41         90
                                       6.125          1,291.41
    SNOHOMISH        WA   98290          5            12/24/02         04
    0415492891                           05           02/01/03         25
    0415492891                           O            01/01/33
    0

    8322693          E22/G02             F          293,000.00         ZZ
                                         360        293,000.00          1
                                       6.625          1,876.11         62
                                       6.375          1,876.11
    MOUNTAIN VIEW    CA   94043          2            12/10/02         00
    0415500594                           05           02/01/03          0
    0415500594                           N            01/01/33
    0

    8322703          E22/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.500          1,264.14         43
                                       6.250          1,264.14
    ELK GROVE        CA   95758          5            12/19/02         00
    0415519925                           05           02/01/03          0
1

    0415519925                           O            01/01/33
    0

    8322727          E22/G02             F          121,600.00         ZZ
                                         360        121,600.00          1
                                       6.875            798.83         95
                                       6.625            798.83
    LAKE WORTH       FL   33460          1            12/31/02         10
    0415569102                           05           02/01/03         35
    0415569102                           O            01/01/33
    0

    8322731          E22/G02             F          449,000.00         ZZ
                                         360        449,000.00          1
                                       6.125          2,728.17         77
                                       5.875          2,728.17
    LA (SAN PEDRO A  CA   90731          2            12/19/02         00
    0415579291                           05           02/01/03          0
    0415579291                           O            01/01/33
    0

    8322733          E22/G02             F          162,000.00         ZZ
                                         360        162,000.00          2
                                       7.750          1,160.59         90
                                       7.500          1,160.59
    STOCKTON         CA   95204          1            12/26/02         04
    0415582352                           05           02/01/03         25
    0415582352                           N            01/01/33
    0

    8322753          E22/G02             F          190,400.00         ZZ
                                         360        190,400.00          1
                                       6.750          1,234.93         85
                                       6.500          1,234.93
    FISHERVILLE      KY   40023          2            12/26/02         10
    0415596782                           05           02/01/03         12
    0415596782                           O            01/01/33
    0

    8322755          E22/G02             F          135,500.00         ZZ
                                         360        135,500.00          1
                                       6.500            856.45         87
                                       6.250            856.45
    REDDING          CA   96002          2            12/19/02         04
    0415597590                           05           02/01/03         25
    0415597590                           O            01/01/33
    0

1

    8322757          E22/G02             F          104,000.00         ZZ
                                         360        104,000.00          1
                                       6.250            640.35         80
                                       6.000            640.35
    SAN ANTONIO      TX   78248          5            12/19/02         00
    0415599802                           03           02/01/03          0
    0415599802                           O            01/01/33
    0

    8322761          E22/G02             F           76,000.00         ZZ
                                         360         76,000.00          1
                                       6.875            499.27         68
                                       6.625            499.27
    GRAPEVINE        TX   76051          5            12/26/02         00
    0415607282                           09           02/01/03          0
    0415607282                           O            01/01/33
    0

    8322819          E22/G02             F          575,000.00         ZZ
                                         360        575,000.00          1
                                       5.875          3,401.34         77
                                       5.625          3,401.34
    LOS ANGELES      CA   90066          5            12/19/02         00
    0415628023                           05           02/01/03          0
    0415628023                           O            01/01/33
    0

    8322863          E22/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
                                       7.250            736.75         80
                                       7.000            736.75
    WEST VALLEY CIT  UT   84120          5            12/24/02         00
    0415667484                           05           02/01/03          0
    0415667484                           N            01/01/33
    0

    8322867          E22/G02             F          160,000.00         ZZ
                                         360        160,000.00          1
                                       6.625          1,024.50         69
                                       6.375          1,024.50
    SANTA ANA        CA   92707          2            12/23/02         00
    0415696343                           05           02/01/03          0
    0415696343                           O            01/01/33
    0

    8322871          E22/G02             F          184,000.00         ZZ
                                         360        184,000.00          1
                                       6.500          1,163.01         77
                                       6.250          1,163.01
1

    LAGUNA NIGUEL    CA   92677          2            12/20/02         00
    0415698570                           01           02/01/03          0
    0415698570                           O            01/01/33
    0

    8322883          E22/G02             F          170,000.00         ZZ
                                         360        170,000.00          1
                                       6.875          1,116.78         63
                                       6.625          1,116.78
    RANCHO MURIETA   CA   95683          5            12/26/02         00
    0415708643                           03           02/01/03          0
    0415708643                           N            01/01/33
    0

    8322885          E22/G02             F          108,750.00         ZZ
                                         360        108,750.00          1
                                       6.625            696.34         75
                                       6.375            696.34
    PUYALLUP         WA   98374          1            12/27/02         00
    0415709526                           05           02/01/03          0
    0415709526                           N            01/01/33
    0

    8322921          E22/G02             F          223,600.00         ZZ
                                         360        223,600.00          1
                                       6.125          1,358.62         72
                                       5.875          1,358.62
    WEATHERFORD      TX   76087          2            12/31/02         00
    0415730308                           05           02/01/03          0
    0415730308                           O            01/01/33
    0

    8322935          E22/G02             F          113,600.00         ZZ
                                         360        113,600.00          1
                                       7.375            784.61         80
                                       7.125            784.61
    FAYETTEVILLE     GA   30214          2            12/31/02         00
    0415742873                           05           02/01/03          0
    0415742873                           N            01/01/33
    0

    8322961          E22/G02             F          140,000.00         ZZ
                                         360        140,000.00          3
                                       6.750            908.04         80
                                       6.500            908.04
    ALBUQUERQUE      NM   87106          1            12/31/02         00
    0415769801                           05           02/01/03          0
    0415769801                           N            01/01/33
    0
1

    8322965          E22/G02             F          190,000.00         ZZ
                                         360        190,000.00          1
                                       6.500          1,200.93         63
                                       6.250          1,200.93
    LA MESA          CA   91941          5            12/20/02         00
    0415776558                           05           02/01/03          0
    0415776558                           N            01/01/33
    0

    8322969          E22/G02             F          161,950.00         ZZ
                                         360        161,950.00          1
                                       6.625          1,036.98         90
                                       6.375          1,036.98
    STOCKTON         CA   95209          1            12/26/02         04
    0415777515                           05           02/01/03         30
    0415777515                           O            01/01/33
    0

    8323055          E82/G02             F           60,000.00         ZZ
                                         360         60,000.00          1
                                       6.375            374.32         38
                                       6.125            374.32
    SPRINGVILLE      UT   84663          5            12/30/02         00
    0400746988                           05           02/01/03          0
    0400746988                           O            01/01/33
    0

    8323353          U05/G02             F           50,000.00         ZZ
                                         360         50,000.00          1
                                       7.500            349.61         76
                                       7.250            349.61
    LAUDERHILL       FL   33319          5            12/17/02         00
    0435150313                           08           02/01/03          0
    3289290                              N            01/01/33
    0

    8323365          X67/G02             F          336,000.00         ZZ
                                         360        336,000.00          1
                                       6.250          2,068.81         80
                                       6.000          2,068.81
    CULVER CITY      CA   90230          2            12/09/02         00
    0435183728                           05           02/01/03          0
    00281692                             O            01/01/33
    0

    8323413          X67/G02             F          378,000.00         ZZ
                                         360        378,000.00          1
1

                                       6.375          2,358.23         54
                                       6.125          2,358.23
    PALO ALTO        CA   94306          2            12/10/02         00
    0435177936                           05           02/01/03          0
    00280053                             O            01/01/33
    0

    8323441          313/G02             F          170,800.00         ZZ
                                         360        170,800.00          4
                                       7.000          1,136.34         90
                                       6.750          1,136.34
    KILLEEN          TX   76543          1            12/16/02         10
    0435173935                           05           02/01/03         25
    0008903502                           N            01/01/33
    0

    8323933          A06/G02             F          176,000.00         ZZ
                                         360        176,000.00          1
                                       6.250          1,083.67         80
                                       6.000          1,083.67
    OAK PARK         MI   48237          2            12/20/02         00
    0435187364                           05           02/01/03          0
    10000020224480                       O            01/01/33
    0

    8324011          A06/G02             F          375,000.00         ZZ
                                         360        375,000.00          1
                                       6.500          2,370.26         75
                                       6.250          2,370.26
    FENTON           MI   48430          5            12/20/02         00
    0435188776                           05           02/01/03          0
    021000020231253                      O            01/01/33
    0

    8324029          K15/G02             F          148,400.00         ZZ
                                         360        148,400.00          1
                                       7.750          1,063.16         90
                                       7.500          1,063.16
    WATERBURY        CT   06708          5            12/13/02         41
    0435173380                           05           02/01/03         25
    037405504993                         O            01/01/33
    0

    8324075          K15/G02             F          110,000.00         ZZ
                                         360        110,000.00          1
                                       7.500            769.14         86
                                       7.250            769.14
    HINSDALE         NH   03451          2            12/20/02         41
    0435188040                           05           02/01/03         25
1

    033605507930                         O            01/01/33
    0

    8324253          T29/G02             F          224,140.00         ZZ
                                         360        224,140.00          1
                                       6.375          1,398.34         79
                                       6.125          1,398.34
    CAVE CREEK       AZ   85331          2            12/24/02         00
    0435172978                           05           02/01/03          0
    1529556                              O            01/01/33
    0

    8324335          420/G02             F          339,200.00         ZZ
                                         360        339,200.00          1
                                       6.375          2,116.17         80
                                       6.125          2,116.17
    WINDSOR          CA   95492          2            12/11/02         00
    0435170840                           05           02/01/03          0
    72004638                             O            01/01/33
    0

    8324757          E11/G02             F          175,000.00         ZZ
                                         360        175,000.00          1
                                       6.500          1,106.12         85
                                       6.250          1,106.12
    BROOKLYN PARK    MN   55443          1            12/27/02         04
    0435195136                           05           02/01/03         12
    0002001047239                        O            01/01/33
    0

    8324831          J95/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       7.875            638.07         80
                                       7.625            638.07
    HESPERIA         CA   92345          5            12/03/02         00
    0435176839                           05           02/01/03          0
    0040158248                           N            01/01/33
    0

    8325123          A39/G02             F          244,000.00         ZZ
                                         360        244,000.00          1
                                       6.500          1,542.25         80
                                       6.250          1,542.25
    BURBANK          CA   91505          1            12/12/02         00
    0435190673                           01           02/01/03          0
    2200787                              O            01/01/33
    0

1

    8325417          E44/G02             F          472,000.00         ZZ
                                         360        472,000.00          1
                                       6.750          3,061.38         80
                                       6.500          3,061.38
    PARK CITY        UT   84098          5            12/20/02         00
    0435180039                           05           02/01/03          0
    55020224                             O            01/01/33
    0

    8325465          E47/G02             F          104,500.00         ZZ
                                         360        104,500.00          1
                                       6.625            669.12         85
                                       6.375            669.12
    CHANDLER         AZ   85224          5            12/16/02         11
    0435180864                           03           02/01/03         12
    7320011697                           O            01/01/33
    0

    8325535          M27/G02             F          172,000.00         ZZ
                                         360        172,000.00          1
                                       6.250          1,059.03         69
                                       6.000          1,059.03
    WAXHAW           NC   28173          1            12/30/02         00
    0435197066                           03           02/01/03          0
    600865511                            O            01/01/33
    0

    8325679          Q30/G02             F          157,500.00         ZZ
                                         360        157,500.00          1
                                       6.500            995.51         44
                                       6.250            995.51
    PORT WASHINGTON  NY   11050          5            12/20/02         00
    0435180427                           05           02/01/03          0
    21018918                             O            01/01/33
    0

    8325689          642/G02             F          375,800.00         ZZ
                                         360        375,800.00          1
                                       6.250          2,313.87         83
                                       6.000          2,313.87
    WOODLAND PARK    CO   80863          5            12/23/02         10
    0435159470                           05           02/01/03         12
    11231402                             O            01/01/33
    0

    8325735          642/G02             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.500          3,160.34         80
                                       6.250          3,160.34
1

    SAN JOSE         CA   95132          5            12/27/02         00
    0435158738                           05           02/01/03          0
    12200302                             O            01/01/33
    0

    8325745          477/G02             F          160,000.00         ZZ
                                         360        160,000.00          1
                                       6.750          1,037.76         66
                                       6.500          1,037.76
    DUNDEE           OR   97115          1            12/10/02         00
    0435172036                           05           02/01/03          0
    258110                               O            01/01/33
    0

    8325763          P09/G02             F          140,000.00         ZZ
                                         360        140,000.00          1
                                       6.250            862.00         80
                                       6.000            862.00
    GAITHERSBURG     MD   20879          5            12/23/02         00
    0435180716                           09           02/01/03          0
    R0211396                             O            01/01/33
    0

    8326375          E22/G02             F          134,400.00         ZZ
                                         360        134,400.00          1
                                       6.375            838.48         80
                                       6.125            838.48
    MAGNOLIA         TX   77355          5            12/27/02         00
    0414963140                           05           02/01/03          0
    0414963140                           O            01/01/33
    0

    8326397          E22/G02             F           67,000.00         ZZ
                                         360         67,000.00          1
                                       6.500            423.49        100
                                       6.250            423.49
    GASTON           SC   29053          2            12/26/02         04
    0415371889                           05           02/01/03         35
    0415371889                           O            01/01/33
    0

    8326425          E22/G02             F           97,000.00         ZZ
                                         360         97,000.00          1
                                       6.500            613.11         79
                                       6.250            613.11
    GRANTS PASS      OR   97526          5            12/17/02         00
    0415521368                           05           02/01/03          0
    0415521368                           O            01/01/33
    0
1

    8326459          E22/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       5.750            513.54         38
                                       5.500            513.54
    COVENTRY         RI   02816          5            12/27/02         00
    0415616168                           05           02/01/03          0
    0415616168                           O            01/01/33
    0

    8326463          E22/G02             F          338,000.00         ZZ
                                         360        338,000.00          1
                                       6.500          2,136.39         75
                                       6.250          2,136.39
    PLEASANTON       CA   94566          5            12/24/02         00
    0415625425                           09           02/01/03          0
    0415625425                           O            01/01/33
    0

    8326465          E22/G02             F          209,950.00         ZZ
                                         360        209,950.00          1
                                       6.375          1,309.81         85
                                       6.125          1,309.81
    ORANGEVALE       CA   95662          5            12/23/02         01
    0415625763                           05           02/01/03         12
    0415625763                           O            01/01/33
    0

    8326471          E22/G02             F          134,400.00         ZZ
                                         360        134,400.00          1
                                       6.750            871.72         80
                                       6.500            871.72
    ROWLETT          TX   75089          2            12/27/02         00
    0415631159                           05           02/01/03          0
    0415631159                           O            01/01/33
    0

    8326473          E22/G02             F          215,000.00         ZZ
                                         360        215,000.00          1
                                       6.375          1,341.32         64
                                       6.125          1,341.32
    HAYWARD          CA   94544          5            12/10/02         00
    0415633908                           05           02/01/03          0
    0415633908                           O            01/01/33
    0

    8326475          E22/G02             F          675,000.00         ZZ
                                         360        675,000.00          1
1

                                       5.875          3,992.88         68
                                       5.625          3,992.88
    COTO DE CAZA     CA   92679          2            12/23/02         00
    0415636190                           03           02/01/03          0
    0415636190                           O            01/01/33
    0

    8326477          E22/G02             F          135,000.00         ZZ
                                         360        135,000.00          1
                                       6.250            831.22         80
                                       6.000            831.22
    GREELEY          CO   80631          5            12/27/02         00
    0415634484                           05           02/01/03          0
    0415634484                           O            01/01/33
    0

    8326479          E22/G02             F          146,800.00         ZZ
                                         240        146,800.00          1
                                       6.375          1,083.73         59
                                       6.125          1,083.73
    HARRISON CITY    PA   15636          5            12/27/02         00
    0415638865                           05           02/01/03          0
    0415638865                           O            01/01/23
    0

    8326497          E22/G02             F           72,900.00         ZZ
                                         360         72,900.00          2
                                       7.750            522.26         90
                                       7.500            522.26
    NORFOLK          VA   23518          1            01/02/03         10
    0415664556                           05           02/01/03         25
    0415664556                           N            01/01/33
    0

    8326507          E22/G02             F          232,000.00         ZZ
                                         360        232,000.00          1
                                       6.500          1,466.40         65
                                       6.250          1,466.40
    LOS ANGELES      CA   91367          2            12/19/02         00
    0415686575                           05           02/01/03          0
    0415686575                           N            01/01/33
    0

    8326509          E22/G02             F           76,800.00         ZZ
                                         360         76,800.00          1
                                       6.500            485.43         63
                                       6.250            485.43
    EDMOND           OK   73013          2            12/27/02         00
    0415688118                           03           02/01/03          0
1

    0415688118                           O            01/01/33
    0

    8326527          E22/G02             F           81,500.00         ZZ
                                         360         81,500.00          1
                                       6.375            508.45         78
                                       6.125            508.45
    HOUSTON          TX   77075          5            12/27/02         00
    0415713080                           05           02/01/03          0
    0415713080                           O            01/01/33
    0

    8326571          E22/G02             F          190,000.00         ZZ
                                         360        190,000.00          1
                                       6.500          1,200.93         80
                                       6.250          1,200.93
    FREEHOLD         NJ   07728          5            12/27/02         00
    0415747278                           05           02/01/03          0
    0415747278                           O            01/01/33
    0

    8326573          E22/G02             F          138,400.00         ZZ
                                         360        138,400.00          1
                                       6.375            863.44         80
                                       6.125            863.44
    SOUTH PADRE ISL  TX   78597          1            12/27/02         00
    0415748995                           07           02/01/03          0
    0415748995                           O            01/01/33
    0

    8326575          E22/G02             F          212,800.00         ZZ
                                         360        212,800.00          1
                                       6.625          1,362.58         80
                                       6.375          1,362.58
    ARLINGTON        TX   76017          5            12/26/02         00
    0415750975                           03           02/01/03          0
    0415750975                           O            01/01/33
    0

    8326613          E82/G02             F          296,700.00         ZZ
                                         360        296,700.00          1
                                       6.500          1,875.35         86
                                       6.250          1,875.35
    NORTHPORT        MI   49670          2            12/30/02         04
    0400744504                           05           02/01/03         25
    5724074                              O            01/01/33
    0

1

    8327411          B28/G02             F          135,920.00         ZZ
                                         360        135,920.00          1
                                       6.500            859.11         80
                                       6.250            859.11
    WOODLAND PARK    CO   80863          1            12/20/02         00
    0435183397                           05           02/01/03          0
    05300393                             O            01/01/33
    0

    8327741          E76/G02             F          107,600.00         ZZ
                                         360        107,600.00          1
                                       6.750            697.89         80
                                       6.500            697.89
    GRAND PRAIRIE    TX   75050          1            12/09/02         00
    0435172580                           05           02/01/03          0
    10018969                             O            01/01/33
    0

    8327775          U05/G02             F          381,500.00         ZZ
                                         360        381,500.00          1
                                       6.250          2,348.96         67
                                       6.000          2,348.96
    MIAMI BEACH      FL   33139          5            12/18/02         00
    0435153119                           05           02/01/03          0
    3275650                              O            01/01/33
    0

    8327827          642/G02             F          446,250.00         ZZ
                                         360        446,250.00          1
                                       6.500          2,820.60         85
                                       6.250          2,820.60
    DALY CITY        CA   94015          5            12/27/02         10
    0435174891                           05           02/01/03         12
    11184402                             O            01/01/33
    0

    8327919          U05/G02             F          373,000.00         ZZ
                                         360        373,000.00          1
                                       6.500          2,357.61         75
                                       6.250          2,357.61
    ANAHEIM          CA   92807          5            12/17/02         00
    0435153374                           05           02/01/03          0
    3292956                              O            01/01/33
    0

    8327975          U05/G02             F          364,000.00         ZZ
                                         360        364,000.00          1
                                       6.750          2,360.90         63
                                       6.500          2,360.90
1

    SANTA MONICA     CA   90403          5            12/02/02         00
    0435176169                           01           02/01/03          0
    3283850                              O            01/01/33
    0

    8328143          M27/G02             F          185,000.00         ZZ
                                         360        185,000.00          1
                                       6.125          1,124.08         69
                                       5.875          1,124.08
    KANNAPOLIS       NC   28083          2            12/23/02         00
    0435190145                           05           02/01/03          0
    0100055165                           O            01/01/33
    0

    8328299          B44/G02             F          205,000.00         ZZ
                                         360        205,000.00          1
                                       6.375          1,278.93         61
                                       6.125          1,278.93
    WINTERS          CA   95694          5            12/20/02         00
    0435188479                           02           02/01/03          0
    2022304                              O            01/01/33
    0

    8328735          168/168             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       7.125          3,368.59         79
                                       6.875          3,368.59
    SARATOGA SPRING  NY   12866          1            12/10/02         00
    0099876108                           05           02/01/03          0
    0099876108                           O            01/01/33
    0

    8329249          168/168             F          352,000.00         ZZ
                                         360        352,000.00          1
                                       6.875          2,312.39         80
                                       6.625          2,312.39
    WHITESTONE       NY   11375          1            12/12/02         00
    0099547368                           05           02/01/03          0
    0099547368                           O            01/01/33
    0

    8329265          L76/G02             F          125,000.00         ZZ
                                         360        125,000.00          1
                                       5.875            739.42         75
                                       5.625            739.42
    FARIBAULT        MN   55021          5            12/26/02         00
    0435169792                           05           02/01/03          0
    9507397                              O            01/01/33
    0
1

    8329653          E22/G02             F          120,000.00         ZZ
                                         360        120,000.00          1
                                       6.250            738.86         80
                                       6.000            738.86
    BELLEVUE         WA   98005          5            12/12/02         00
    0414966531                           01           02/01/03          0
    0414966531                           O            01/01/33
    0

    8329655          E22/G02             F           50,625.00         ZZ
                                         360         50,625.00          2
                                       7.375            349.65         90
                                       7.125            349.65
    PENDLETON        SC   29670          1            01/02/03         04
    0415095488                           05           02/01/03         25
    0415095488                           N            01/01/33
    0

    8329671          E22/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       6.250            615.72         80
                                       6.000            615.72
    ONTARIO          OR   97914          1            12/19/02         00
    0415444934                           05           02/01/03          0
    0415444934                           O            01/01/33
    0

    8329689          E22/G02             F          237,000.00         T
                                         360        237,000.00          1
                                       6.500          1,498.00         68
                                       6.250          1,498.00
    LAKE OSWEGO      OR   97035          2            12/27/02         00
    0415523935                           03           02/01/03          0
    0415523935                           O            01/01/33
    0

    8329695          E22/G02             F          124,800.00         ZZ
                                         360        124,800.00          1
                                       5.875            738.24         80
                                       5.625            738.24
    HIALEAH          FL   33010          1            01/03/03         00
    0415540350                           05           02/01/03          0
    0415540350                           O            01/01/33
    0

    8329701          E22/G02             F          548,000.00         ZZ
                                         360        548,000.00          1
1

                                       7.125          3,691.98         80
                                       6.875          3,691.98
    HUME             VA   22639          5            12/27/02         00
    0415566892                           05           02/01/03          0
    0415566892                           O            01/01/33
    0

    8329703          E22/G02             F          188,000.00         ZZ
                                         360        188,000.00          4
                                       7.125          1,266.59         80
                                       6.875          1,266.59
    FRESNO           CA   93726          1            12/17/02         00
    0415573682                           05           02/01/03          0
    0415573682                           N            01/01/33
    0

    8329705          E22/G02             F          171,900.00         ZZ
                                         360        171,900.00          1
                                       6.250          1,058.42         80
                                       6.000          1,058.42
    EVERGREEN        CO   80439          1            01/03/03         00
    0415574672                           05           02/01/03          0
    0415574672                           O            01/01/33
    0

    8329719          E22/G02             F           69,000.00         ZZ
                                         360         69,000.00          1
                                       6.500            436.13         87
                                       6.250            436.13
    FRESNO           CA   93726          2            12/23/02         04
    0415644806                           09           02/01/03         25
    0415644806                           O            01/01/33
    0

    8329727          E22/G02             F          320,000.00         ZZ
                                         360        320,000.00          1
                                       6.375          1,996.38         71
                                       6.125          1,996.38
    WESTMINSTER      CA   92683          5            12/23/02         00
    0415660240                           05           02/01/03          0
    0415660240                           O            01/01/33
    0

    8329745          E22/G02             F           46,800.00         ZZ
                                         360         46,800.00          3
                                       6.750            303.54         90
                                       6.500            303.54
    GREAT FALLS      MT   59401          1            12/30/02         04
    0415687870                           05           02/01/03         25
1

    0415687870                           N            01/01/33
    0

    8329749          E22/G02             F          224,000.00         ZZ
                                         360        224,000.00          4
                                       6.750          1,452.86         80
                                       6.500          1,452.86
    EVERETT          WA   98201          2            12/27/02         00
    0415698091                           05           02/01/03          0
    0415698091                           N            01/01/33
    0

    8329757          E22/G02             F          434,000.00         ZZ
                                         360        434,000.00          1
                                       6.625          2,778.95         67
                                       6.375          2,778.95
    OAKLAND          CA   94619          5            12/23/02         00
    0415705417                           05           02/01/03          0
    0415705417                           O            01/01/33
    0

    8329775          E22/G02             F          189,000.00         ZZ
                                         360        189,000.00          1
                                       7.250          1,289.31         90
                                       7.000          1,289.31
    HIALEAH          FL   33014          1            01/03/03         04
    0415730639                           05           02/01/03         25
    0415730639                           O            01/01/33
    0

    8329779          E22/G02             F          427,000.00         ZZ
                                         360        427,000.00          1
                                       6.375          2,663.92         58
                                       6.125          2,663.92
    SAN FRANCISCO    CA   94122          2            12/20/02         00
    0415733039                           07           02/01/03          0
    0415733039                           O            01/01/33
    0

    8329799          E22/G02             F          155,250.00         ZZ
                                         360        155,250.00          1
                                       6.375            968.56         75
                                       6.125            968.56
    LINCOLN          CA   95648          2            12/26/02         00
    0415785815                           03           02/01/03          0
    0415785815                           N            01/01/33
    0

1

    8330135          A06/G02             F          145,600.00         ZZ
                                         360        145,600.00          1
                                       6.250            896.49         80
                                       6.000            896.49
    OAK PARK         MI   48237          5            12/28/02         00
    0435185475                           05           02/01/03          0
    021000020216106                      O            01/01/33
    0

    8330253          Q01/G02             F          250,525.00         ZZ
                                         360        250,525.00          1
                                       6.500          1,583.49         79
                                       6.250          1,583.49
    LAKESIDE         CA   92040          5            12/20/02         00
    0435188982                           05           02/01/03          0
    112175                               O            01/01/33
    0

    8330279          B44/G02             F           80,400.00         ZZ
                                         360         80,400.00          1
                                       6.500            508.18         80
                                       6.250            508.18
    BOISE            ID   83704          1            12/17/02         00
    0435191366                           05           02/01/03          0
    4021827                              O            01/01/33
    0

    8330285          K15/G02             F           68,400.00         ZZ
                                         360         68,400.00          1
                                       7.625            484.13         90
                                       7.375            484.13
    CLAY             NY   13212          5            12/17/02         41
    0435175674                           05           02/01/03         25
    02950550765                          O            01/01/33
    0

    8330331          X89/G02             F          325,000.00         ZZ
                                         360        325,000.00          1
                                       6.250          2,001.08         69
                                       6.000          2,001.08
    LOS ANGELES      CA   90066          5            12/11/02         00
    0435189238                           05           02/01/03          0
    1010239944                           O            01/01/33
    0

    8330333          L20/G02             F          240,000.00         ZZ
                                         360        240,000.00          1
                                       6.750          1,556.64         80
                                       6.500          1,556.64
1

    CARSON CITY      NV   89703          1            12/31/02         00
    0435194717                           03           02/01/03          0
    1140020012                           N            01/01/33
    0

    8330501          K15/G02             F           99,000.00         ZZ
                                         360         99,000.00          1
                                       7.625            700.72         90
                                       7.375            700.72
    NORFOLK          CT   06058          5            12/26/02         41
    0435181763                           05           02/01/03         25
    037605505077                         O            01/01/33
    0

    8330521          K15/G02             F          126,600.00         ZZ
                                         360        126,600.00          1
                                       7.625            896.07         85
                                       7.375            896.07
    GRISWOLD         CT   06351          5            12/26/02         41
    0435184262                           05           02/01/03         12
    03780550377                          O            01/01/33
    0

    8330605          K15/G02             F          187,000.00         ZZ
                                         360        187,000.00          1
                                       6.875          1,228.46         85
                                       6.625          1,228.46
    BROOKFIELD       CT   06804          5            12/20/02         41
    0435181276                           05           02/01/03         12
    013405507030                         O            01/01/33
    0

    8330755          K15/G02             F          202,000.00         ZZ
                                         360        202,000.00          1
                                       7.625          1,429.74         90
                                       7.375          1,429.74
    LOS BANOS        CA   93635          5            12/23/02         41
    0435176417                           05           02/01/03         25
    03830550223                          O            01/01/33
    0

    8330931          420/G02             F          366,000.00         ZZ
                                         360        366,000.00          1
                                       6.250          2,253.52         59
                                       6.000          2,253.52
    NAPA             CA   94559          5            12/13/02         00
    0435190533                           05           02/01/03          0
    82000239                             O            01/01/33
    0
1

    8331031          A50/G02             F          344,000.00         T
                                         360        344,000.00          1
                                       6.875          2,259.84         78
                                       6.625          2,259.84
    NORTH MYRTLE BE  SC   29582          2            12/31/02         00
    0435181367                           05           02/01/03          0
    905113                               O            01/01/33
    0

    8331079          Q14/G02             F           62,900.00         ZZ
                                         360         62,900.00          1
                                       7.625            445.20         85
                                       7.375            445.20
    MILAN            IL   61264          2            12/27/02         01
    0435177134                           05           02/01/03         12
    0000210091                           O            01/01/33
    0

    8331129          E47/G02             F          356,000.00         ZZ
                                         360        356,000.00          1
                                       6.500          2,250.16         80
                                       6.250          2,250.16
    SAN JOSE         CA   95119          5            12/16/02         00
    0435193578                           05           02/01/03          0
    7359512697                           O            01/01/33
    0

    8331179          Q14/G02             F          104,405.00         ZZ
                                         360        104,405.00          1
                                       7.500            730.01         95
                                       7.250            730.01
    PHOENIX          AZ   85029          1            12/27/02         01
    0435177324                           05           02/01/03         30
    0000210831                           O            01/01/33
    0

    8331213          Q14/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       6.375            549.01         80
                                       6.125            549.01
    GRAIN VALLEY     MO   64029          5            12/31/02         00
    0435182118                           05           02/01/03          0
    0000210774                           O            01/01/33
    0

    8331767          U35/G02             F           62,505.00         ZZ
                                         360         62,505.00          2
1

                                       7.625            442.41         90
                                       7.375            442.41
    PRINCETON        IL   61356          1            12/30/02         01
    0435192125                           05           02/01/03         25
    10432740                             N            01/01/33
    0

    8331773          420/G02             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.375          3,119.35         80
                                       6.125          3,119.35
    NAPA             CA   94558          2            12/11/02         00
    0435191309                           05           02/01/03          0
    72004499                             O            01/01/33
    0

    8333230          E23/G02             F          169,900.00         ZZ
                                         360        169,437.57          1
                                       6.500          1,073.88         80
                                       6.250          1,073.88
    MIDDLETOWN       CA   95461          1            09/26/02         00
    0435142591                           05           11/01/02          0
    62003310                             O            10/01/32
    0

    8334397          253/253             F          123,900.00         ZZ
                                         360        123,900.00          1
                                       6.375            772.98         80
                                       6.125            772.98
    FORT WORTH       TX   76179          1            12/26/02         00
    450316                               03           02/01/03          0
    450316                               O            01/01/33
    0

    8335130          E23/G02             F          150,300.00         ZZ
                                         360        150,064.97          1
                                       7.500          1,050.92         90
                                       7.250          1,050.92
    FONTANA          CA   92335          1            10/22/02         14
    0434894689                           05           12/01/02         25
    51019879                             O            11/01/32
    0

    8335659          E22/G02             F           51,300.00         ZZ
                                         360         51,300.00          1
                                       7.875            371.96         79
                                       7.625            371.96
    AUGUSTA          GA   30901          5            12/20/02         00
    0414706135                           05           02/01/03          0
1

    0414706135                           N            01/01/33
    0

    8335709          E22/G02             F          117,600.00         ZZ
                                         360        117,600.00          1
                                       6.250            724.08         80
                                       6.000            724.08
    PUEBLO           CO   81001          5            12/30/02         00
    0415490176                           05           02/01/03          0
    0415490176                           O            01/01/33
    0

    8335721          E22/G02             F          136,500.00         ZZ
                                         360        136,500.00          2
                                       7.625            966.14         75
                                       7.375            966.14
    SALT LAKE CITY   UT   84102          5            12/27/02         00
    0415523851                           05           02/01/03          0
    0415523851                           N            01/01/33
    0

    8335727          E22/G02             F           62,400.00         ZZ
                                         360         62,400.00          1
                                       7.625            441.67         80
                                       7.375            441.67
    TAYLOR           MI   48180          1            12/12/02         00
    0415537885                           05           02/01/03          0
    0415537885                           N            01/01/33
    0

    8335738          R68/G02             F           90,400.00         ZZ
                                         360         90,400.00          1
                                       7.000            601.43         93
                                       6.750            601.43
    DEERFIELD BEACH  FL   33441          5            12/10/02         10
    0435172143                           01           02/01/03         30
    20021345                             O            01/01/33
    0

    8335743          E22/G02             F          220,000.00         ZZ
                                         360        220,000.00          1
                                       6.250          1,354.58         69
                                       6.000          1,354.58
    PORTLAND         OR   97232          2            12/26/02         00
    0415560218                           05           02/01/03          0
    0415560218                           O            01/01/33
    0

1

    8335757          E22/G02             F          144,000.00         ZZ
                                         360        144,000.00          1
                                       6.625            922.05         80
                                       6.375            922.05
    LIVONIA          MI   48150          5            12/30/02         00
    0415595214                           05           02/01/03          0
    0415595214                           O            01/01/33
    0

    8335779          E22/G02             F          168,300.00         ZZ
                                         360        168,300.00          1
                                       6.375          1,049.97         85
                                       6.125          1,049.97
    SANDY            OR   97055          5            12/27/02         04
    0415634831                           05           02/01/03         12
    0415634831                           O            01/01/33
    0

    8335789          E22/G02             F          247,000.00         ZZ
                                         360        247,000.00          1
                                       6.500          1,561.21         75
                                       6.250          1,561.21
    PALM BEACH GARD  FL   33410          5            12/31/02         00
    0415661776                           03           02/01/03          0
    0415661776                           O            01/01/33
    0

    8335793          E22/G02             F          169,600.00         ZZ
                                         360        169,600.00          1
                                       6.500          1,071.99         80
                                       6.250          1,071.99
    GRAND RAPIDS     MI   49525          5            12/31/02         00
    0415668607                           05           02/01/03          0
    0415668607                           O            01/01/33
    0

    8335815          E22/G02             F           95,000.00         ZZ
                                         360         95,000.00          1
                                       6.500            600.46         42
                                       6.250            600.46
    MARBLE FALLS     TX   78654          5            12/26/02         00
    0415695824                           05           02/01/03          0
    0415695824                           O            01/01/33
    0

    8335821          E22/G02             F          232,000.00         ZZ
                                         360        232,000.00          4
                                       7.875          1,682.16         80
                                       7.625          1,682.16
1

    EDGEWOOD         WA   98372          2            12/30/02         00
    0415710110                           05           02/01/03          0
    0415710110                           O            01/01/33
    0

    8335829          E22/G02             F          300,700.00         ZZ
                                         360        300,700.00          1
                                       6.875          1,975.38         72
                                       6.625          1,975.38
    GRANTS PASS      OR   97527          5            12/30/02         00
    0415715622                           05           02/01/03          0
    0415715622                           O            01/01/33
    0

    8335843          E22/G02             F          184,000.00         ZZ
                                         360        184,000.00          2
                                       6.750          1,193.42         80
                                       6.500          1,193.42
    MIDDLESEX        NJ   08846          5            12/31/02         00
    0415720838                           05           02/01/03          0
    0415720838                           O            01/01/33
    0

    8335853          E22/G02             F          364,500.00         ZZ
                                         360        364,500.00          1
                                       6.500          2,303.89         90
                                       6.250          2,303.89
    LA (SHERMAN OAK  CA   91423          5            12/19/02         04
    0415724715                           05           02/01/03         25
    0415724715                           O            01/01/33
    0

    8335862          L68/G02             F          136,000.00         ZZ
                                         360        135,874.04          1
                                       6.375            848.46         90
                                       6.125            848.46
    INDIO            CA   92201          5            11/06/02         14
    0435132071                           05           01/01/03         25
    7265057                              O            12/01/32
    0

    8335995          E22/G02             F          282,800.00         ZZ
                                         360        282,800.00          1
                                       6.375          1,764.30         67
                                       6.125          1,764.30
    SANTA ROSA       CA   95405          5            12/23/02         00
    0415762848                           05           02/01/03          0
    0415762848                           O            01/01/33
    0
1

    8335997          E22/G02             F          255,000.00         ZZ
                                         360        255,000.00          1
                                       6.750          1,653.93         70
                                       6.500          1,653.93
    EL CAJON         CA   92019          5            12/19/02         00
    0415766062                           05           02/01/03          0
    0415766062                           O            01/01/33
    0

    8336533          K15/G02             F          140,100.00         ZZ
                                         360        140,100.00          1
                                       7.000            932.09         60
                                       6.750            932.09
    CENTERVILLE      MN   55038          5            12/23/02         00
    0435188883                           05           02/01/03          0
    013205508387                         O            01/01/33
    0

    8336621          K15/G02             F          420,000.00         ZZ
                                         360        420,000.00          3
                                       6.500          2,654.69         80
                                       6.250          2,654.69
    JAMAICA          NY   11432          5            12/18/02         00
    0435198866                           05           02/01/03          0
    021205507288                         O            01/01/33
    0

    8336735          U05/G02             F          260,100.00         ZZ
                                         360        260,100.00          4
                                       7.500          1,818.66         90
                                       7.250          1,818.66
    PORTLAND         OR   97214          1            12/12/02         10
    0435159173                           05           02/01/03         25
    3280034                              N            01/01/33
    0

    8336857          369/G02             F          115,200.00         ZZ
                                         360        115,200.00          3
                                       7.250            785.87         90
                                       7.000            785.87
    BAKERSFIELD      CA   93308          1            12/16/02         10
    0435191655                           05           02/01/03         25
    0074800103                           N            01/01/33
    0

    8336987          U05/G02             F          175,000.00         ZZ
                                         360        175,000.00          3
1

                                       6.375          1,091.77         33
                                       6.125          1,091.77
    STUDIO CITY ARE  CA   91602          1            12/05/02         00
    0435182886                           05           02/01/03          0
    3287005                              O            01/01/33
    0

    8337253          Q30/G02             F           58,000.00         ZZ
                                         240         58,000.00          1
                                       5.875            411.36         71
                                       5.625            411.36
    TRAFFORD         PA   15085          2            12/30/02         00
    0435191564                           05           02/01/03          0
    21019151                             O            01/01/23
    0

    8337448          W98/G02             F          211,500.00         ZZ
                                         360        211,313.40          1
                                       6.625          1,354.26         75
                                       6.375          1,354.26
    MIDDLETOWN       MD   21769          5            11/21/02         00
    0435065412                           05           01/01/03          0
    L0210045                             O            12/01/32
    0

    8337533          X64/G02             F           63,750.00         ZZ
                                         360         63,750.00          1
                                       6.875            418.79         75
                                       6.625            418.79
    DETROIT          MI   48228          5            12/23/02         00
    0435185707                           05           02/01/03          0
    1696                                 O            01/01/33
    0

    8337745          T08/G02             F          229,000.00         ZZ
                                         360        229,000.00          1
                                       6.250          1,409.99         54
                                       6.000          1,409.99
    SARASOTA         FL   34236          5            12/12/02         00
    0435148192                           08           02/01/03          0
    15010480                             O            01/01/33
    0

    8337747          T08/G02             F           44,000.00         ZZ
                                         360         44,000.00          1
                                       6.250            270.91         80
                                       6.000            270.91
    OCALA            FL   34481          1            12/16/02         00
    0435148010                           03           02/01/03          0
1

    15020354                             O            01/01/33
    0

    8337749          T08/G02             F           58,900.00         T
                                         360         58,900.00          1
                                       7.125            396.82         62
                                       6.875            396.82
    POMPANO BEACH    FL   33069          1            12/13/02         00
    0435148200                           06           02/01/03          0
    15100003                             O            01/01/33
    0

    8337787          W96/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       6.500            632.06         80
                                       6.250            632.06
    DEFIANCE         OH   43512          5            12/06/02         00
    0435149299                           05           02/01/03          0
    22110510                             O            01/01/33
    0

    8337803          Q30/G02             F           97,600.00         ZZ
                                         360         97,600.00          1
                                       6.750            633.03         80
                                       6.500            633.03
    PHILADELPHIA     PA   19152          1            12/19/02         00
    0435194444                           05           02/01/03          0
    21019392                             O            01/01/33
    0

    8337823          Q30/G02             F           53,500.00         ZZ
                                         360         53,500.00          1
                                       6.500            338.16         71
                                       6.250            338.16
    CARBONDALE       PA   18407          2            12/17/02         00
    0435194469                           05           02/01/03          0
    21019275                             O            01/01/33
    0

    8337913          X91/G02             F          157,850.00         ZZ
                                         360        157,850.00          1
                                       6.125            959.11         66
                                       5.875            959.11
    HONOLULU         HI   96815          2            12/31/02         00
    0435189147                           06           02/01/03          0
    803221                               O            01/01/33
    0

1

    8337959          253/253             F          169,500.00         ZZ
                                         360        169,500.00          1
                                       6.875          1,113.50         80
                                       6.625          1,113.50
    BATAVIA          OH   45103          2            12/19/02         00
    450325                               05           02/01/03          0
    450325                               O            01/01/33
    0

    8338053          A39/G02             F          259,600.00         ZZ
                                         360        259,600.00          1
                                       6.375          1,619.57         80
                                       6.125          1,619.57
    BURBANK          CA   91505          1            12/17/02         00
    0435193305                           01           02/01/03          0
    2200535RFC                           O            01/01/33
    0

    8338291          477/G02             F          124,000.00         ZZ
                                         360        124,000.00          1
                                       6.375            773.60         78
                                       6.125            773.60
    VIDA             OR   97488          5            12/18/02         00
    0435189162                           05           02/01/03          0
    226180                               O            01/01/33
    0

    8338373          E82/G02             F          179,150.00         ZZ
                                         360        179,150.00          1
                                       6.375          1,117.66         68
                                       6.125          1,117.66
    WALTON           NE   68461          2            12/18/02         00
    0400725537                           05           02/01/03          0
    2855970                              O            01/01/33
    0

    8338411          742/G02             F          168,000.00         ZZ
                                         360        168,000.00          1
                                       6.875          1,103.64         80
                                       6.625          1,103.64
    KATONAH          NY   10536          1            12/27/02         00
    0435192141                           05           02/01/03          0
    5846589                              N            01/01/33
    0

    8338618          E23/G02             F          330,000.00         ZZ
                                         360        329,686.88          1
                                       6.250          2,031.87         73
                                       6.000          2,031.87
1

    SAN JOSE         CA   95136          2            11/04/02         00
    0435122668                           05           01/01/03          0
    62004241                             O            12/01/32
    0

    8338716          W98/G02             F          140,000.00         ZZ
                                         360        139,879.46          1
                                       6.750            908.04         64
                                       6.500            908.04
    FREDERICK        MD   21703          1            11/27/02         00
    0435115142                           09           01/01/03          0
    L0211007                             O            12/01/32
    0

    8338728          W98/G02             F          159,500.00         ZZ
                                         360        159,375.58          1
                                       7.250          1,088.07         70
                                       7.000          1,088.07
    ALEXANDRIA       VA   22306          5            11/22/02         00
    0435095930                           05           01/01/03          0
    RC021109                             O            12/01/32
    0

    8338785          E22/G02             F          354,400.00         ZZ
                                         360        354,400.00          1
                                       6.000          2,124.81         33
                                       5.750          2,124.81
    LAGUNA BEACH     CA   92651          2            12/17/02         00
    0415259001                           05           02/01/03          0
    0415259001                           O            01/01/33
    0

    8338787          E22/G02             F          396,000.00         ZZ
                                         360        396,000.00          1
                                       6.375          2,470.52         80
                                       6.125          2,470.52
    MOORPARK         CA   93021          5            12/12/02         00
    0415297746                           03           02/01/03          0
    0415297746                           O            01/01/33
    0

    8338791          E22/G02             F          114,500.00         ZZ
                                         360        114,500.00          1
                                       6.625            733.16         77
                                       6.375            733.16
    EAGLE CREEK      OR   97022          2            12/20/02         00
    0415316256                           05           02/01/03          0
    0415316256                           N            01/01/33
    0
1

    8338825          E22/G02             F          272,200.00         ZZ
                                         360        272,200.00          1
                                       6.625          1,742.93         74
                                       6.375          1,742.93
    PLANO            TX   75024          2            01/02/03         00
    0415512235                           03           02/01/03          0
    0415512235                           O            01/01/33
    0

    8338883          E22/G02             F          187,000.00         ZZ
                                         360        187,000.00          1
                                       6.750          1,212.88         84
                                       6.500          1,212.88
    GRANTS PASS      OR   97527          2            12/31/02         10
    0415698133                           05           02/01/03         12
    0415698133                           O            01/01/33
    0

    8338887          E22/G02             F          264,000.00         ZZ
                                         360        264,000.00          1
                                       6.500          1,668.66         80
                                       6.250          1,668.66
    BOCA RATON       FL   33433          1            01/07/03         00
    0415706621                           03           02/01/03          0
    0415706621                           O            01/01/33
    0

    8338903          E22/G02             F          128,000.00         ZZ
                                         360        128,000.00          1
                                       5.875            757.17         73
                                       5.625            757.17
    HIALEAH          FL   33012          5            01/02/03         00
    0415737345                           05           02/01/03          0
    0415737345                           O            01/01/33
    0

    8338907          E22/G02             F          220,000.00         ZZ
                                         360        220,000.00          1
                                       6.250          1,354.58         80
                                       6.000          1,354.58
    ANTIOCH          CA   94509          1            12/19/02         00
    0415744754                           05           02/01/03          0
    0415744754                           O            01/01/33
    0

    8338913          E22/G02             F          388,000.00         ZZ
                                         360        388,000.00          1
1

                                       6.750          2,516.56         80
                                       6.500          2,516.56
    SALT LAKE CITY   UT   84103          5            12/23/02         00
    0415750744                           05           02/01/03          0
    0415750744                           O            01/01/33
    0

    8338961          E22/G02             F          179,000.00         ZZ
                                         360        179,000.00          4
                                       6.875          1,175.90         90
                                       6.625          1,175.90
    CHICAGO          IL   60636          5            01/02/03         04
    0415799717                           05           02/01/03         25
    0415799717                           O            01/01/33
    0

    8338969          E22/G02             F          386,000.00         ZZ
                                         360        386,000.00          1
                                       6.250          2,376.67         80
                                       6.000          2,376.67
    LOS ANGELES      CA   90019          2            12/31/02         00
    0415827559                           05           02/01/03          0
    0415827559                           O            01/01/33
    0

    8338985          E22/G02             F          328,800.00         ZZ
                                         360        328,800.00          1
                                       6.500          2,078.24         80
                                       6.250          2,078.24
    DALLAS           TX   75287          5            01/02/03         00
    0415647874                           03           02/01/03          0
    0415647874                           O            01/01/33
    0

    8339003          E22/G02             F          110,000.00         ZZ
                                         360        110,000.00          1
                                       6.125            668.37         80
                                       5.875            668.37
    SPRINGFIELD      OR   97478          5            01/02/03         00
    0415668185                           05           02/01/03          0
    0415668185                           O            01/01/33
    0

    8339012          E23/G02             F          256,000.00         ZZ
                                         360        255,757.09          1
                                       6.250          1,576.24         80
                                       6.000          1,576.24
    NATIONAL CITY    CA   91950          1            11/15/02         00
    0435059555                           05           01/01/03          0
1

    11014564                             O            12/01/32
    0

    8339493          U05/G02             F          517,000.00         ZZ
                                         360        517,000.00          1
                                       6.250          3,183.26         69
                                       6.000          3,183.26
    SAN CLEMENTE     CA   92672          2            12/23/02         00
    0435193560                           05           02/01/03          0
    3296828                              O            01/01/33
    0

    8339505          U05/G02             F          324,000.00         ZZ
                                         360        324,000.00          1
                                       6.250          1,994.92         80
                                       6.000          1,994.92
    WALNUT CREEK     CA   94547          1            12/09/02         00
    0435187638                           05           02/01/03          0
    3285430                              O            01/01/33
    0

    8339557          588/G02             F          135,900.00         ZZ
                                         360        135,900.00          1
                                       6.500            858.98         90
                                       6.250            858.98
    EAST BRANDY TWN  PA   19335          1            12/23/02         14
    0435183603                           05           02/01/03         25
    1084135                              O            01/01/33
    0

    8339585          U05/G02             F          365,400.00         ZZ
                                         360        365,400.00          1
                                       6.375          2,279.62         80
                                       6.125          2,279.62
    TIGARD           OR   97223          5            12/18/02         00
    0435187661                           05           02/01/03          0
    3294789                              O            01/01/33
    0

    8339602          E23/G02             F          352,500.00         ZZ
                                         360        352,188.99          1
                                       6.625          2,257.10         75
                                       6.375          2,257.10
    SAN JOSE         CA   95121          5            11/20/02         00
    0435107867                           05           01/01/03          0
    61008867                             O            12/01/32
    0

1

    8339613          U05/G02             F          120,000.00         ZZ
                                         360        120,000.00          1
                                       6.875            788.31         80
                                       6.625            788.31
    KAUFMAN          TX   75142          5            12/18/02         00
    0435193776                           05           02/01/03          0
    3289672                              O            01/01/33
    0

    8339627          U05/G02             F          170,000.00         ZZ
                                         360        170,000.00          1
                                       6.625          1,088.53         68
                                       6.375          1,088.53
    RICHMOND         CA   94804          5            12/02/02         00
    0435193800                           05           02/01/03          0
    3281854                              O            01/01/33
    0

    8339657          U05/G02             F          511,000.00         ZZ
                                         360        511,000.00          1
                                       6.500          3,229.87         80
                                       6.250          3,229.87
    DANVILLE         CA   94526          1            12/12/02         00
    0435195383                           03           02/01/03          0
    3289688                              O            01/01/33
    0

    8340164          E23/G02             F          335,000.00         ZZ
                                         360        334,674.40          1
                                       6.125          2,035.50         78
                                       5.875          2,035.50
    SAN JOSE         CA   95111          2            11/25/02         00
    0435120365                           05           01/01/03          0
    61008528                             O            12/01/32
    0

    8340435          420/G02             F          281,750.00         ZZ
                                         360        281,750.00          1
                                       6.250          1,734.78         78
                                       6.000          1,734.78
    NAPA             CA   94558          5            12/19/02         00
    0435196134                           05           02/01/03          0
    82000293                             O            01/01/33
    0

    8340558          E23/G02             F          488,000.00         ZZ
                                         360        488,000.00          1
                                       6.500          3,084.49         80
                                       6.250          3,084.49
1

    WALNUT           CA   91789          5            12/10/02         00
    0435167739                           05           02/01/03          0
    51023215                             O            01/01/33
    0

    8340668          A19/G02             F          175,000.00         ZZ
                                         360        175,000.00          1
                                       6.750          1,135.05         57
                                       6.500          1,135.05
    SALEM            MA   01970          5            12/12/02         00
    0435135819                           05           02/01/03          0
    0211952                              O            01/01/33
    0

    8340800          G34/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       7.250          2,046.53         74
                                       7.000          2,046.53
    HENDERSON        NV   89052          1            12/10/02         00
    0435140009                           03           02/01/03          0
    39012534                             N            01/01/33
    0

    8340820          E23/G02             F          328,500.00         ZZ
                                         360        328,500.00          1
                                       7.000          2,185.52         90
                                       6.750          2,185.52
    OAKLAND          CA   94606          1            12/06/02         11
    0435133699                           05           02/01/03         25
    64000195                             O            01/01/33
    0

    8341040          R68/G02             F           88,000.00         T
                                         360         88,000.00          1
                                       6.875            578.10         80
                                       6.625            578.10
    COCOA BEACH      FL   32931          1            12/31/02         00
    0435156096                           01           02/01/03          0
    7569597                              O            01/01/33
    0

    8341233          K15/G02             F           96,000.00         ZZ
                                         360         95,928.75          1
                                       7.500            671.25         72
                                       7.250            671.25
    SACRAMENTO       CA   95815          5            11/25/02         00
    0435191358                           05           01/01/03          0
    039005504480                         O            12/01/32
    0
1

    8341394          E23/G02             F          524,000.00         ZZ
                                         360        524,000.00          1
                                       6.375          3,269.08         73
                                       6.125          3,269.08
    EL DORADO HILLS  CA   95762          5            12/13/02         00
    0435161484                           05           02/01/03          0
    64000213                             O            01/01/33
    0

    8341472          N16/G02             F          260,000.00         ZZ
                                         360        259,770.61          1
                                       6.625          1,664.81         79
                                       6.375          1,664.81
    ORANGE           CA   92869          5            12/19/02         00
    0435145636                           01           01/29/03          0
    105408965                            O            12/29/32
    0

    8341796          E23/G02             F          200,400.00         ZZ
                                         360        200,400.00          1
                                       6.375          1,250.24         80
                                       6.125          1,250.24
    SUISUN CITY      CA   94585          1            12/10/02         00
    0435169727                           05           02/01/03          0
    61008998                             O            01/01/33
    0

    8342172          E23/G02             F          360,000.00         ZZ
                                         360        360,000.00          1
                                       6.250          2,216.58         79
                                       6.000          2,216.58
    DALY CITY        CA   94014          5            12/13/02         00
    0435166020                           05           02/01/03          0
    61008956                             O            01/01/33
    0

    8342335          E22/G02             F          118,400.00         ZZ
                                         360        118,400.00          1
                                       6.375            738.66         80
                                       6.125            738.66
    METAIRIE         LA   70002          5            01/03/03         00
    0414977793                           05           02/01/03          0
    0414977793                           O            01/01/33
    0

    8342347          E22/G02             F          265,000.00         ZZ
                                         360        265,000.00          1
1

                                       6.250          1,631.65         76
                                       6.000          1,631.65
    LAKESIDE         CA   92040          5            12/27/02         00
    0415239805                           05           02/01/03          0
    0415239805                           O            01/01/33
    0

    8342379          E22/G02             F          182,400.00         ZZ
                                         360        182,400.00          1
                                       6.375          1,137.94         80
                                       6.125          1,137.94
    THOMSPON FALLS   MT   59873          5            12/27/02         00
    0415464882                           05           02/01/03          0
    0415464882                           O            01/01/33
    0

    8342387          E22/G02             F          222,400.00         ZZ
                                         360        222,400.00          1
                                       6.375          1,387.49         80
                                       6.125          1,387.49
    RANCHO CUCAMONG  CA   91701          5            12/30/02         00
    0415485093                           05           02/01/03          0
    0415485093                           O            01/01/33
    0

    8342461          E22/G02             F          175,000.00         ZZ
                                         360        175,000.00          1
                                       6.500          1,106.12         73
                                       6.250          1,106.12
    CANYON LAKE      TX   78132          5            01/03/03         00
    0415662113                           05           02/01/03          0
    0415662113                           O            01/01/33
    0

    8342487          L16/G02             F           60,120.00         ZZ
                                         360         60,120.00          1
                                       6.750            389.94         90
                                       6.500            389.94
    BAKERSFIELD      CA   93308          1            01/02/03         04
    0435194659                           05           02/01/03         25
    8850                                 O            01/01/33
    0

    8342509          E22/G02             F          183,000.00         ZZ
                                         360        183,000.00          1
                                       6.375          1,141.68         75
                                       6.125          1,141.68
    GARDEN GROVE     CA   92840          5            12/26/02         00
    0415716406                           09           02/01/03          0
1

    0415716406                           O            01/01/33
    0

    8342535          E22/G02             F          244,883.60         ZZ
                                         360        244,883.60          1
                                       6.875          1,608.71         70
                                       6.625          1,608.71
    DALLAS           TX   75208          5            12/30/02         00
    0415742147                           05           02/01/03          0
    0415742147                           O            01/01/33
    0

    8342541          E22/G02             F           81,700.00         ZZ
                                         360         81,700.00          1
                                       6.750            529.90         73
                                       6.500            529.90
    PHOENIX          AZ   85019          5            01/02/03         00
    0415745116                           05           02/01/03          0
    0415745116                           O            01/01/33
    0

    8342605          E22/G02             F          268,000.00         ZZ
                                         360        268,000.00          1
                                       6.125          1,628.40         80
                                       5.875          1,628.40
    SANTA ROSA       CA   95403          1            12/19/02         00
    0415796457                           05           02/01/03          0
    0415796457                           O            01/01/33
    0

    8342609          E22/G02             F          380,000.00         ZZ
                                         240        380,000.00          1
                                       6.375          2,805.28         79
                                       6.125          2,805.28
    ISSAQUAH         WA   98027          5            01/02/03         00
    0415800077                           03           03/01/03          0
    0415800077                           O            02/01/23
    0

    8343467          G34/G02             F           90,000.00         ZZ
                                         360         90,000.00          1
                                       6.500            568.86         44
                                       6.250            568.86
    HENDERSON        NV   89014          5            12/30/02         00
    0435196480                           05           02/01/03          0
    59212116                             O            01/01/33
    0

1

    8343738          E23/G02             F          496,000.00         ZZ
                                         360        496,000.00          1
                                       6.375          3,094.39         54
                                       6.125          3,094.39
    POLSON           MT   59860          5            12/23/02         00
    0435188032                           05           02/01/03          0
    11016215                             O            01/01/33
    0

    8343856          E23/G02             F          248,000.00         ZZ
                                         360        248,000.00          1
                                       6.375          1,547.20         80
                                       6.125          1,547.20
    TAYLORSVILLE     UT   84123          5            12/19/02         00
    0435189329                           05           02/01/03          0
    41005390                             O            01/01/33
    0

    8343977          944/G02             F          282,150.00         ZZ
                                         360        282,150.00          1
                                       6.250          1,737.25         95
                                       6.000          1,737.25
    ROCKLIN          CA   95677          1            12/27/02         04
    0435197785                           05           02/01/03         30
    W02034424                            O            01/01/33
    0

    8344330          E23/G02             F          225,000.00         ZZ
                                         360        225,000.00          1
                                       6.500          1,422.15         78
                                       6.250          1,422.15
    GARDENA          CA   90249          5            12/18/02         00
    0435196332                           05           02/01/03          0
    51022841                             O            01/01/33
    0

    8344733          Q14/G02             F          101,500.00         ZZ
                                         360        101,500.00          1
                                       6.375            633.23         87
                                       6.125            633.23
    DES MOINES       IA   50317          5            12/31/02         01
    0435189931                           05           02/01/03         25
    000210504                            O            01/01/33
    0

    8345837          E22/G02             F          214,200.00         ZZ
                                         360        214,200.00          1
                                       6.875          1,407.14         80
                                       6.625          1,407.14
1

    RIVERSIDE        CA   92503          5            12/28/02         00
    0415685296                           05           02/01/03          0
    0415685296                           O            01/01/33
    0

    8345965          U05/G02             F          344,000.00         ZZ
                                         360        344,000.00          1
                                       6.500          2,174.31         80
                                       6.250          2,174.31
    MALIBU           CA   90265          5            12/18/02         00
    0435191200                           01           02/01/03          0
    3295361                              O            01/01/33
    0

    8346697          G51/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       6.750            648.60         70
                                       6.500            648.60
    JACKSONVILLE     FL   32257          2            12/23/02         00
    0435173331                           05           02/01/03          0
    25001677                             O            01/01/33
    0

    8347555          U19/G02             F          224,900.00         ZZ
                                         360        224,900.00          1
                                       6.750          1,458.70         75
                                       6.500          1,458.70
    SEDALIA          CO   80135          1            12/27/02         00
    0435191598                           03           02/01/03          0
    0212160003                           O            01/01/33
    0

    8347649          T44/G02             F          235,852.00         ZZ
                                         360        235,852.00          1
                                       6.500          1,490.75         80
                                       6.250          1,490.75
    ROCKLIN          CA   95765          5            12/18/02         00
    0435196159                           05           02/01/03          0
    1055545                              O            01/01/33
    0

    8350415          X80/G02             F          344,250.00         ZZ
                                         360        344,250.00          1
                                       6.500          2,175.89         75
                                       6.250          2,175.89
    SAN DIEGO        CA   92101          1            12/06/02         00
    0435194295                           08           02/01/03          0
    1410088715                           O            01/01/33
    0
1

    8350453          X80/G02             F          215,000.00         ZZ
                                         360        215,000.00          1
                                       6.500          1,358.95         80
                                       6.250          1,358.95
    LAKE ELSINORE    CA   92532          1            12/20/02         00
    0435194220                           03           02/01/03          0
    14101202416                          N            01/01/33
    0

    8350493          E22/G02             F          230,000.00         ZZ
                                         360        230,000.00          1
                                       6.250          1,416.15         33
                                       6.000          1,416.15
    MILLBRAE         CA   94030          2            12/24/02         00
    0415490341                           05           02/01/03          0
    0415490341                           O            01/01/33
    0

    8350537          E22/G02             F           74,500.00         ZZ
                                         360         74,500.00          1
                                       6.875            489.41         83
                                       6.625            489.41
    DEERFIELD BEACH  FL   33441          2            12/27/02         04
    0415622992                           01           02/01/03         12
    0415622992                           O            01/01/33
    0

    8351163          R26/G02             F          185,000.00         ZZ
                                         360        185,000.00          1
                                       7.000          1,230.81         90
                                       6.750          1,230.81
    LONG BEACH       CA   90805          5            12/20/02         12
    0435195615                           05           02/01/03         25
    0005843000                           O            01/01/33
    0

    8353885          964/G02             F          121,600.00         ZZ
                                         360        121,497.84          1
                                       6.875            798.83         80
                                       6.625            798.83
    ENGLEWOOD        CO   80112          2            11/21/02         00
    0435178413                           01           01/01/03          0
    274372                               O            12/01/32
    0

    8353889          964/G02             F          179,000.00         ZZ
                                         360        178,842.07          1
1

                                       6.625          1,146.16         80
                                       6.375          1,146.16
    CITRUS HEIGHTS   CA   95610          2            11/29/02         00
    0435178447                           05           01/01/03          0
    279005                               N            12/01/32
    0

    8353923          964/G02             F          120,500.00         ZZ
                                         360        120,500.00          1
                                       7.500            842.55         50
                                       7.250            842.55
    MERIDIAN         ID   83642          2            12/05/02         00
    0435178579                           05           02/01/03          0
    285639                               O            01/01/33
    0

    8354011          964/G02             F          112,500.00         ZZ
                                         360        112,436.93          4
                                       8.875            895.10         90
                                       8.625            895.10
    BRYAN            TX   77803          1            12/02/02         10
    0435178868                           05           01/01/03         25
    298484                               N            12/01/32
    0

    8354065          964/G02             F           80,000.00         ZZ
                                         360         80,000.00          1
                                       6.875            525.54         30
                                       6.625            525.54
    WOODLAND         CA   95776          1            12/12/02         00
    0435179288                           05           02/01/03          0
    307669                               O            01/01/33
    0

    8354069          964/G02             F           53,550.00         ZZ
                                         360         53,550.00          1
                                       7.500            374.43         90
                                       7.250            374.43
    HOUSTON          TX   77004          1            12/16/02         11
    0435179320                           05           02/01/03         25
    309087                               N            01/01/33
    0

    8354101          964/G02             F          144,000.00         ZZ
                                         360        144,000.00          1
                                       7.000            958.04         80
                                       6.750            958.04
    AUBURN           WA   98002          5            12/10/02         00
    0435179551                           05           02/01/03          0
1

    314651                               N            01/01/33
    0

    8355045          E22/G02             F          195,990.00         ZZ
                                         360        195,990.00          1
                                       6.000          1,175.06         80
                                       5.750          1,175.06
    GARDENA          CA   90249          5            01/03/03         00
    0415715481                           05           02/01/03          0
    0415715481                           O            01/01/33
    0

    8357107          926/G02             F           37,100.00         ZZ
                                         360         37,100.00          1
                                       6.750            240.63         80
                                       6.500            240.63
    HILTON HEAD ISL  SC   29928          1            12/20/02         00
    0435200100                           01           02/01/03          0
    163029717                            N            01/01/33
    0

   TOTAL NUMBER OF LOANS   :      2,382

   TOTAL ORIGINAL BALANCE  :   475,523,154.60

   TOTAL PRINCIPAL BALANCE :   475,149,431.84

   TOTAL ORIGINAL P+I      :     3,043,450.05

   TOTAL CURRENT P+I       :     3,043,450.07

                             ***************************
                             *      END OF REPORT      *
                             ***************************

<PAGE>

<TABLE>
<CAPTION>

                                   EXHIBIT TWO

                         SCHEDULE OF DISCOUNT FRACTIONS

                               Schedule of Discount Fractions

    Loan Number     Current Balance    Net Mortgage Rate  Discount Fraction   PO Balance
<S>   <C>             <C>                   <C>                <C>             <C>
      8073861         $199,413.85           5.845%             2.5833%         $5,151.52
      8086935         $149,570.78           5.970%             0.5000%          $747.85
      8130453         $77,434.26            5.970%             0.5000%          $387.17
      8159585         $159,695.57           5.970%             0.5000%          $798.48
      8167051         $255,512.92           5.970%             0.5000%         $1,277.56
      8170821         $167,840.60           5.970%             0.5000%          $839.20
      8179793         $184,148.97           5.970%             0.5000%          $920.74
      8181451         $181,553.92           5.970%             0.5000%          $907.77
      8183023         $228,648.27           5.970%             0.5000%         $1,143.24
      8183091         $219,550.31           5.595%             6.7500%        $14,819.65
      8183157         $143,726.03           5.970%             0.5000%          $718.63
      8190911         $75,349.30            5.720%             4.6667%         $3,516.30
      8194513         $648,095.02           5.845%             2.5833%        $16,742.45
      8201191         $347,727.89           5.845%             2.5833%         $8,982.97
      8201307         $324,299.59           5.720%             4.6667%        $15,133.98
      8204045         $159,945.10           5.970%             0.5000%          $799.73
      8207533         $300,407.74           5.845%             2.5833%         $7,760.53
      8208111         $84,919.35            5.970%             0.5000%          $424.60
      8217291         $266,479.66           5.845%             2.5833%         $6,884.06
      8221975         $187,817.27           5.845%             2.5833%         $4,851.95
      8222123         $601,525.43           5.845%             2.5833%        $15,539.41
      8222827         $384,634.69           5.970%             0.5000%         $1,923.17
      8226537         $174,825.79           5.720%             4.6667%         $8,158.54
      8227175         $339,353.10           5.970%             0.5000%         $1,696.77
      8228973         $114,888.23           5.845%             2.5833%         $2,967.95
      8229279         $391,609.76           5.720%             4.6667%        $18,275.12
      8231811         $71,863.00            5.970%             0.5000%          $359.32
      8232861         $393,866.81           5.845%             2.5833%        $10,174.89
      8232865         $78,919.46            5.595%             6.7500%         $5,327.06
      8233281         $248,763.73           5.970%             0.5000%         $1,243.82
      8235245         $284,723.00           5.845%             2.5833%         $7,355.34
      8237887         $239,772.28           5.970%             0.5000%         $1,198.86
      8239269         $145,861.47           5.970%             0.5000%          $729.31
      8241215         $228,782.72           5.970%             0.5000%         $1,143.91
      8241311         $426,594.85           5.970%             0.5000%         $2,132.97
      8241469         $221,789.36           5.970%             0.5000%         $1,108.95
      8241509         $169,431.16           5.720%             4.6667%         $7,906.79
      8241787         $245,755.11           5.720%             4.6667%        $11,468.57
      8241985         $129,873.65           5.845%             2.5833%         $3,355.07
      8241987         $607,423.11           5.970%             0.5000%         $3,037.12
      8242017         $259,753.31           5.970%             0.5000%         $1,298.77
      8245461         $55,764.08            5.970%             0.5000%          $278.82
      8249141         $599,373.56           5.470%             8.8333%        $52,944.66
      8249459         $280,000.00           5.970%             0.5000%         $1,400.00
      8249549         $594,435.44           5.970%             0.5000%         $2,972.18
      8250229         $247,764.69           5.970%             0.5000%         $1,238.82
      8250269         $163,844.39           5.970%             0.5000%          $819.22
      8250773         $338,678.34           5.970%             0.5000%         $1,693.39
      8251055         $86,318.02            5.970%             0.5000%          $431.59
      8251117         $95,700.00            5.970%             0.5000%          $478.50
      8251641         $249,762.79           5.970%             0.5000%         $1,248.81
      8253859         $97,794.11            5.970%             0.5000%          $488.97
      8254377         $274,732.72           5.845%             2.5833%         $7,097.26

 Thursday, January 23, 2003                                                     Page 1 of 7

      8254991         $499,525.58           5.970%             0.5000%         $2,497.63
      8255071         $199,810.23           5.970%             0.5000%          $999.05
      8255239         $524,464.73           5.595%             6.7500%        $35,401.37
      8255331         $359,650.10           5.845%             2.5833%         $9,290.96
      8255335         $334,924.15           5.845%             2.5833%         $8,652.21
      8255343         $129,570.88           5.720%             4.6667%         $6,046.64
      8255379         $411,609.07           5.970%             0.5000%         $2,058.05
      8256683         $205,000.00           5.970%             0.5000%         $1,025.00
      8256743         $312,000.00           5.970%             0.5000%         $1,560.00
      8256745         $276,000.00           5.970%             0.5000%         $1,380.00
      8257375         $434,587.25           5.970%             0.5000%         $2,172.94
      8258131         $119,086.89           5.970%             0.5000%          $595.43
      8258443         $279,734.32           5.970%             0.5000%         $1,398.67
      8258455         $181,627.50           5.970%             0.5000%          $908.14
      8262369         $83,000.00            5.720%             4.6667%         $3,873.33
      8262499         $420,000.00           5.970%             0.5000%         $2,100.00
      8262623         $135,000.00           5.970%             0.5000%          $675.00
      8262855         $379,630.66           5.845%             2.5833%         $9,807.13
      8265661         $429,592.00           5.970%             0.5000%         $2,147.96
      8266091         $102,895.29           5.610%             6.5000%         $6,688.19
      8266817         $212,298.37           5.970%             0.5000%         $1,061.49
      8268173         $178,230.73           5.970%             0.5000%          $891.15
      8268291         $119,086.90           5.970%             0.5000%          $595.43
      8268437         $227,533.90           5.970%             0.5000%         $1,137.67
      8268449         $265,747.61           5.970%             0.5000%         $1,328.74
      8268459         $399,620.46           5.970%             0.5000%         $1,998.10
      8268573         $188,820.66           5.970%             0.5000%          $944.10
      8269175         $350,666.95           5.970%             0.5000%         $1,753.33
      8269495         $340,000.00           5.970%             0.5000%         $1,700.00
      8269753         $293,500.00           5.970%             0.5000%         $1,467.50
      8269775         $372,000.00           5.970%             0.5000%         $1,860.00
      8269785         $131,000.00           5.845%             2.5833%         $3,384.17
      8269819         $152,000.00           5.845%             2.5833%         $3,926.67
      8269831         $160,000.00           5.845%             2.5833%         $4,133.33
      8270611         $187,000.00           5.970%             0.5000%          $935.00
      8270767         $349,667.91           5.970%             0.5000%         $1,748.34
      8270831         $524,501.85           5.970%             0.5000%         $2,622.51
      8271795         $289,724.84           5.970%             0.5000%         $1,448.62
      8273077         $181,000.00           5.845%             2.5833%         $4,675.83
      8273133         $99,600.00            5.970%             0.5000%          $498.00
      8273239         $360,000.00           5.970%             0.5000%         $1,800.00
      8273271         $456,000.00           5.970%             0.5000%         $2,280.00
      8274943         $650,000.00           5.845%             2.5833%        $16,791.67
      8274945         $214,995.80           5.970%             0.5000%         $1,074.98
      8275357         $256,000.00           5.970%             0.5000%         $1,280.00
      8275553         $270,243.33           5.970%             0.5000%         $1,351.22
      8275583         $491,533.17           5.970%             0.5000%         $2,457.67
      8276051         $59,200.00            5.970%             0.5000%          $296.00
      8276291         $124,082.15           5.970%             0.5000%          $620.41
      8276413         $175,824.79           5.720%             4.6667%         $8,205.16
      8277597         $110,500.00           5.970%             0.5000%          $552.50
      8277619         $300,700.00           5.970%             0.5000%         $1,503.50
      8277975         $116,886.29           5.845%             2.5833%         $3,019.56
      8278359         $300,414.69           5.970%             0.5000%         $1,502.07
      8278389         $326,689.72           5.970%             0.5000%         $1,633.45
      8278531         $296,512.91           5.870%             2.1667%         $6,424.45
      8278655         $208,801.69           5.970%             0.5000%         $1,044.01

 Thursday, January 23, 2003                                                     Page 2 of 7

      8278669         $337,600.00           5.970%             0.5000%         $1,688.00
      8278761         $180,000.00           5.970%             0.5000%          $900.00
      8278947         $417,000.00           5.845%             2.5833%        $10,772.50
      8279983         $250,000.00           5.720%             4.6667%        $11,666.67
      8280103         $140,000.00           5.970%             0.5000%          $700.00
      8280195         $169,800.00           5.970%             0.5000%          $849.00
      8280363         $337,600.00           5.970%             0.5000%         $1,688.00
      8280399         $299,694.14           5.595%             6.7500%        $20,229.35
      8280917         $207,200.00           5.845%             2.5833%         $5,352.67
      8282781         $449,562.63           5.845%             2.5833%        $11,613.70
      8283081         $159,695.57           5.970%             0.5000%          $798.48
      8283231         $99,809.73            5.970%             0.5000%          $499.05
      8283237         $119,771.67           5.970%             0.5000%          $598.86
      8283277         $87,832.55            5.970%             0.5000%          $439.16
      8283409         $124,562.54           5.970%             0.5000%          $622.81
      8283445         $84,790.79            5.970%             0.5000%          $423.95
      8283601         $176,269.88           5.970%             0.5000%          $881.35
      8283609         $119,235.64           5.970%             0.5000%          $596.18
      8283615         $116,927.00           5.970%             0.5000%          $584.64
      8283689         $103,288.55           5.970%             0.5000%          $516.44
      8283801         $61,532.70            5.970%             0.5000%          $307.66
      8283813         $50,753.23            5.970%             0.5000%          $253.77
      8283917         $91,755.09            5.970%             0.5000%          $458.78
      8284007         $119,771.67           5.970%             0.5000%          $598.86
      8284143         $295,278.05           5.970%             0.5000%         $1,476.39
      8284327         $181,583.57           5.970%             0.5000%          $907.92
      8284457         $166,183.21           5.970%             0.5000%          $830.92
      8284467         $91,228.38            5.970%             0.5000%          $456.14
      8284663         $114,781.21           5.970%             0.5000%          $573.91
      8285183         $86,318.02            5.970%             0.5000%          $431.59
      8285657         $450,000.00           5.970%             0.5000%         $2,250.00
      8285715         $250,000.00           5.720%             4.6667%        $11,666.67
      8285805         $307,000.00           5.970%             0.5000%         $1,535.00
      8285833         $572,680.00           5.970%             0.5000%         $2,863.40
      8285849         $270,000.00           5.970%             0.5000%         $1,350.00
      8286215         $185,000.00           5.720%             4.6667%         $8,633.33
      8286393         $127,875.59           5.845%             2.5833%         $3,303.45
      8286553         $253,759.00           5.970%             0.5000%         $1,268.80
      8286973         $104,700.56           5.970%             0.5000%          $523.50
      8287433         $399,238.95           5.970%             0.5000%         $1,996.19
      8287461         $327,375.92           5.970%             0.5000%         $1,636.88
      8287469         $415,207.28           5.970%             0.5000%         $2,076.04
      8287513         $379,277.00           5.970%             0.5000%         $1,896.39
      8287517         $601,104.14           5.970%             0.5000%         $3,005.52
      8287527         $175,665.13           5.970%             0.5000%          $878.33
      8287575         $399,238.95           5.970%             0.5000%         $1,996.19
      8287689         $309,410.17           5.970%             0.5000%         $1,547.05
      8287709         $393,931.45           5.970%             0.5000%         $1,969.66
      8287723         $354,324.56           5.970%             0.5000%         $1,771.62
      8288097         $342,165.00           5.845%             2.5833%         $8,839.26
      8288299         $193,728.12           5.970%             0.5000%          $968.64
      8288301         $143,863.36           5.970%             0.5000%          $719.32
      8288503         $148,359.09           5.970%             0.5000%          $741.80
      8288521         $365,652.72           5.970%             0.5000%         $1,828.26
      8288553         $185,423.89           5.970%             0.5000%          $927.12
      8288583         $174,581.85           5.970%             0.5000%          $872.91
      8288607         $389,239.94           5.845%             2.5833%        $10,055.37

 Thursday, January 23, 2003                                                     Page 3 of 7

      8288897         $131,874.75           5.970%             0.5000%          $659.37
      8289017         $235,000.00           5.970%             0.5000%         $1,175.00
      8289035         $361,199.80           5.970%             0.5000%         $1,806.00
      8289055         $74,227.68            5.845%             2.5833%         $1,917.55
      8289103         $195,627.07           5.970%             0.5000%          $978.14
      8289133         $394,248.45           5.970%             0.5000%         $1,971.24
      8289139         $344,343.54           5.970%             0.5000%         $1,721.72
      8289149         $162,545.62           5.970%             0.5000%          $812.73
      8289251         $35,684.65            5.970%             0.5000%          $178.42
      8289261         $137,336.47           5.970%             0.5000%          $686.68
      8289327         $103,901.32           5.970%             0.5000%          $519.51
      8289339         $299,429.20           5.970%             0.5000%         $1,497.15
      8289943         $130,993.28           5.970%             0.5000%          $654.97
      8290013         $98,612.02            5.970%             0.5000%          $493.06
      8290137         $261,900.74           5.970%             0.5000%         $1,309.50
      8290309         $409,219.91           5.970%             0.5000%         $2,046.10
      8290379         $109,893.08           5.845%             2.5833%         $2,838.90
      8292335         $382,000.00           5.970%             0.5000%         $1,910.00
      8292441         $134,000.00           5.845%             2.5833%         $3,461.67
      8292513         $279,000.00           5.845%             2.5833%         $7,207.50
      8292547         $203,000.00           5.845%             2.5833%         $5,244.17
      8292581         $168,000.00           5.470%             8.8333%        $14,840.00
      8292617         $272,700.00           5.970%             0.5000%         $1,363.50
      8292661         $106,000.00           5.970%             0.5000%          $530.00
      8292709         $420,000.00           5.970%             0.5000%         $2,100.00
      8292879         $207,200.00           5.970%             0.5000%         $1,036.00
      8292941         $449,562.63           5.845%             2.5833%        $11,613.70
      8293193         $236,800.00           5.845%             2.5833%         $6,117.33
      8295133         $337,325.36           5.720%             4.6667%        $15,741.85
      8295135         $998,001.26           5.845%             2.5833%        $25,781.70
      8296007         $224,800.00           5.970%             0.5000%         $1,124.00
      8296033         $174,400.00           5.970%             0.5000%          $872.00
      8297051         $319,696.37           5.970%             0.5000%         $1,598.48
      8297135         $359,200.00           5.970%             0.5000%         $1,796.00
      8297399         $154,000.00           5.845%             2.5833%         $3,978.33
      8297423         $127,920.00           5.720%             4.6667%         $5,969.60
      8297629         $139,000.00           5.970%             0.5000%          $695.00
      8297979         $524,001.11           5.970%             0.5000%         $2,620.01
      8298185         $487,026.17           5.845%             2.5833%        $12,581.51
      8298595         $449,573.02           5.970%             0.5000%         $2,247.87
      8298685         $540,000.00           5.970%             0.5000%         $2,700.00
      8298783         $648,733.25           5.845%             2.5833%        $16,758.94
      8298969         $524,477.36           5.720%             4.6667%        $24,475.61
      8299031         $137,500.00           5.970%             0.5000%          $687.50
      8299945         $469,500.00           5.970%             0.5000%         $2,347.50
      8300663         $294,400.00           5.970%             0.5000%         $1,472.00
      8300767         $205,000.00           5.720%             4.6667%         $9,566.67
      8300905         $228,000.00           5.845%             2.5833%         $5,890.00
      8300923         $423,150.00           5.970%             0.5000%         $2,115.75
      8300939         $195,000.00           5.970%             0.5000%          $975.00
      8301011         $141,200.00           5.970%             0.5000%          $706.00
      8301061         $243,253.00           5.720%             4.6667%        $11,351.81
      8301171         $339,000.00           5.970%             0.5000%         $1,695.00
      8301255         $485,900.00           5.845%             2.5833%        $12,552.42
      8301545         $120,800.00           5.845%             2.5833%         $3,120.67
      8301981         $363,000.00           5.970%             0.5000%         $1,815.00
      8302029         $106,400.00           5.970%             0.5000%          $532.00

 Thursday, January 23, 2003                                                     Page 4 of 7

      8303559         $359,000.00           5.720%             4.6667%        $16,753.33
      8303627         $522,000.00           5.970%             0.5000%         $2,610.00
      8303773         $396,000.00           5.595%             6.7500%        $26,730.00
      8305421         $148,000.00           5.970%             0.5000%          $740.00
      8305535         $250,000.00           5.970%             0.5000%         $1,250.00
      8305565         $399,950.00           5.970%             0.5000%         $1,999.75
      8305627         $85,200.00            5.970%             0.5000%          $426.00
      8305739         $387,900.00           5.970%             0.5000%         $1,939.50
      8305955         $254,000.00           5.970%             0.5000%         $1,270.00
      8305965         $271,000.00           5.845%             2.5833%         $7,000.83
      8305981         $326,000.00           5.970%             0.5000%         $1,630.00
      8306001         $500,000.00           5.970%             0.5000%         $2,500.00
      8306011         $244,000.00           5.970%             0.5000%         $1,220.00
      8306057         $370,500.00           5.970%             0.5000%         $1,852.50
      8306143         $262,500.00           5.845%             2.5833%         $6,781.25
      8306173         $216,000.00           5.970%             0.5000%         $1,080.00
      8306415         $121,000.00           5.970%             0.5000%          $605.00
      8306849         $90,250.00            5.970%             0.5000%          $451.25
      8306951         $162,700.00           5.720%             4.6667%         $7,592.67
      8307639         $89,200.00            5.720%             4.6667%         $4,162.67
      8307803         $174,000.00           5.970%             0.5000%          $870.00
      8307877         $393,000.00           5.970%             0.5000%         $1,965.00
      8307905         $247,000.00           5.970%             0.5000%         $1,235.00
      8307915         $100,000.00           5.970%             0.5000%          $500.00
      8308023         $104,000.00           5.845%             2.5833%         $2,686.67
      8308353         $641,400.00           5.845%             2.5833%        $16,569.50
      8308383         $172,500.00           5.845%             2.5833%         $4,456.25
      8308525         $322,500.00           5.970%             0.5000%         $1,612.50
      8308583         $343,673.60           5.970%             0.5000%         $1,718.37
      8308965         $300,700.00           5.970%             0.5000%         $1,503.50
      8309769         $495,000.00           5.970%             0.5000%         $2,475.00
      8309823         $204,000.00           5.970%             0.5000%         $1,020.00
      8309901         $129,350.00           5.845%             2.5833%         $3,341.54
      8311177         $79,000.00            5.970%             0.5000%          $395.00
      8311457         $130,000.00           5.970%             0.5000%          $650.00
      8311483         $190,320.00           5.970%             0.5000%          $951.60
      8311571         $204,000.00           5.970%             0.5000%         $1,020.00
      8311875         $167,990.45           5.970%             0.5000%          $839.95
      8312731         $255,000.00           5.970%             0.5000%         $1,275.00
      8312773         $113,400.00           5.720%             4.6667%         $5,292.00
      8312805         $650,000.00           5.970%             0.5000%         $3,250.00
      8312817         $385,000.00           5.970%             0.5000%         $1,925.00
      8312825         $270,000.00           5.845%             2.5833%         $6,975.00
      8312833         $213,000.00           5.970%             0.5000%         $1,065.00
      8312845         $235,000.00           5.845%             2.5833%         $6,070.83
      8312877         $88,671.00            5.845%             2.5833%         $2,290.67
      8312883         $225,000.00           5.970%             0.5000%         $1,125.00
      8312973         $380,000.00           5.970%             0.5000%         $1,900.00
      8312989         $137,500.00           5.970%             0.5000%          $687.50
      8312997         $176,000.00           5.970%             0.5000%          $880.00
      8313097         $175,000.00           5.845%             2.5833%         $4,520.83
      8313221         $88,000.00            5.970%             0.5000%          $440.00
      8313563         $268,100.00           5.970%             0.5000%         $1,340.50
      8313969         $138,000.00           5.595%             6.7500%         $9,315.00
      8314705         $101,280.00           5.970%             0.5000%          $506.40
      8314735         $685,500.00           5.845%             2.5833%        $17,708.75
      8314751         $380,000.00           5.970%             0.5000%         $1,900.00

 Thursday, January 23, 2003                                                     Page 5 of 7

      8314771         $192,000.00           5.845%             2.5833%         $4,960.00
      8314791         $100,000.00           5.970%             0.5000%          $500.00
      8314823         $153,200.00           5.720%             4.6667%         $7,149.33
      8315617         $180,200.00           5.970%             0.5000%          $901.00
      8315821         $319,920.00           5.970%             0.5000%         $1,599.60
      8318259         $264,000.00           5.845%             2.5833%         $6,820.00
      8318265         $245,600.00           5.970%             0.5000%         $1,228.00
      8318269         $172,250.00           5.970%             0.5000%          $861.25
      8318831         $138,000.00           5.595%             6.7500%         $9,315.00
      8319501         $139,100.00           5.970%             0.5000%          $695.50
      8319543         $154,000.00           5.970%             0.5000%          $770.00
      8319583         $145,000.00           5.845%             2.5833%         $3,745.83
      8320597         $596,000.00           5.720%             4.6667%        $27,813.33
      8320611         $325,000.00           5.970%             0.5000%         $1,625.00
      8320639         $143,500.00           5.970%             0.5000%          $717.50
      8320641         $300,700.00           5.970%             0.5000%         $1,503.50
      8320749         $91,500.00            5.970%             0.5000%          $457.50
      8320775         $280,000.00           5.970%             0.5000%         $1,400.00
      8320901         $260,200.00           5.845%             2.5833%         $6,721.83
      8321273         $122,400.00           5.970%             0.5000%          $612.00
      8321277         $105,000.00           5.970%             0.5000%          $525.00
      8321619         $161,500.00           5.970%             0.5000%          $807.50
      8321639         $101,700.00           5.845%             2.5833%         $2,627.25
      8321743         $158,000.00           5.845%             2.5833%         $4,081.67
      8321781         $300,100.00           5.845%             2.5833%         $7,752.58
      8321827         $198,000.00           5.970%             0.5000%          $990.00
      8322649         $425,700.00           5.845%             2.5833%        $10,997.25
      8322659         $184,000.00           5.845%             2.5833%         $4,753.33
      8322679         $524,000.00           5.720%             4.6667%        $24,453.33
      8322731         $449,000.00           5.845%             2.5833%        $11,599.17
      8322757         $104,000.00           5.970%             0.5000%          $520.00
      8322819         $575,000.00           5.595%             6.7500%        $38,812.50
      8322921         $223,600.00           5.845%             2.5833%         $5,776.33
      8323365         $336,000.00           5.970%             0.5000%         $1,680.00
      8323933         $176,000.00           5.970%             0.5000%          $880.00
      8325535         $172,000.00           5.970%             0.5000%          $860.00
      8325689         $375,800.00           5.970%             0.5000%         $1,879.00
      8325763         $140,000.00           5.970%             0.5000%          $700.00
      8326459         $88,000.00            5.470%             8.8333%         $7,773.33
      8326475         $675,000.00           5.595%             6.7500%        $45,562.50
      8326477         $135,000.00           5.970%             0.5000%          $675.00
      8327775         $381,500.00           5.970%             0.5000%         $1,907.50
      8328143         $185,000.00           5.845%             2.5833%         $4,779.17
      8329265         $125,000.00           5.595%             6.7500%         $8,437.50
      8329653         $120,000.00           5.970%             0.5000%          $600.00
      8329671         $100,000.00           5.970%             0.5000%          $500.00
      8329695         $124,800.00           5.595%             6.7500%         $8,424.00
      8329705         $171,900.00           5.970%             0.5000%          $859.50
      8330135         $145,600.00           5.970%             0.5000%          $728.00
      8330331         $325,000.00           5.970%             0.5000%         $1,625.00
      8330931         $366,000.00           5.970%             0.5000%         $1,830.00
      8335709         $117,600.00           5.970%             0.5000%          $588.00
      8335743         $220,000.00           5.970%             0.5000%         $1,100.00
      8337253         $58,000.00            5.595%             6.7500%         $3,915.00
      8337745         $229,000.00           5.970%             0.5000%         $1,145.00
      8337747         $44,000.00            5.970%             0.5000%          $220.00
      8337913         $157,850.00           5.845%             2.5833%         $4,077.79

 Thursday, January 23, 2003                                                     Page 6 of 7

      8338618         $329,686.88           5.970%             0.5000%         $1,648.43
      8338785         $354,400.00           5.720%             4.6667%        $16,538.67
      8338903         $128,000.00           5.595%             6.7500%         $8,640.00
      8338907         $220,000.00           5.970%             0.5000%         $1,100.00
      8338969         $386,000.00           5.970%             0.5000%         $1,930.00
      8339003         $110,000.00           5.845%             2.5833%         $2,841.67
      8339012         $255,757.09           5.970%             0.5000%         $1,278.79
      8339493         $517,000.00           5.970%             0.5000%         $2,585.00
      8339505         $324,000.00           5.970%             0.5000%         $1,620.00
      8340164         $334,674.40           5.845%             2.5833%         $8,645.76
      8340435         $281,750.00           5.970%             0.5000%         $1,408.75
      8342172         $360,000.00           5.970%             0.5000%         $1,800.00
      8342347         $265,000.00           5.970%             0.5000%         $1,325.00
      8342605         $268,000.00           5.845%             2.5833%         $6,923.33
      8343977         $282,150.00           5.970%             0.5000%         $1,410.75
      8350493         $230,000.00           5.970%             0.5000%         $1,150.00
      8355045         $195,990.00           5.720%             4.6667%         $9,146.20

 Thursday, January 23, 2003                                                     Page 7 of 7

</TABLE>

<PAGE>

                                  EXHIBIT THREE

                          INFORMATION TO BE INCLUDED IN
                       MONTHLY DISTRIBUTION DATE STATEMENT

(i)     (a) the amount of such  distribution to the  Certificateholders  of such
        Class applied to reduce the Certificate  Principal Balance thereof,  and
        (b)  the  aggregate  amount  included  therein  representing   Principal
        Prepayments;

(ii)    the amount of such distribution to Holders of such Class of Certificates
        allocable to interest;

(iii)   if the distribution to the Holders of such Class of Certificates is less
        than the full  amount  that would be  distributable  to such  Holders if
        there  were  sufficient  funds  available  therefor,  the  amount of the
        shortfall;

(iv)    the amount of any  Advance by the Master  Servicer  pursuant  to Section
        4.04;

(v)     the number and Pool Stated Principal Balance of the Mortgage Loans after
        giving  effect to the  distribution  of principal  on such  Distribution
        Date;

(vi)    the   aggregate   Certificate   Principal   Balance  of  each  Class  of
        Certificates  and each of the Senior  Percentage and  Subordinate  Class
        Percentage,  after  giving  effect to the  amounts  distributed  on such
        Distribution Date,  separately  identifying any reduction thereof due to
        Realized  Losses  other  than  pursuant  to an  actual  distribution  of
        principal;

(vii)   the related  Subordinate  Principal  Distribution  Amount and Prepayment
        Distribution Percentage, if applicable;

(viii)  on  the  basis  of  the  most  recent   reports   furnished   to  it  by
        Sub-Servicers,  the number and aggregate  principal balances of Mortgage
        Loans that are  Delinquent  (A) 30-59 days, (B) 60-89 days and (C) 90 or
        more days and the number and  aggregate  principal  balance of  Mortgage
        Loans that are in foreclosure;

(ix)    the  number,  aggregate  principal  balance  and  book  value of any REO
        Properties;

(x)     the aggregate Accrued Certificate Interest remaining unpaid, if any, for
        each Class of Certificates, after giving effect to the distribution made
        on such Distribution Date;

(xi)    the Special Hazard Amount, Fraud Loss Amount and Bankruptcy Amount as of
        the close of business on such Distribution Date and a description of any
        change in the calculation of such amounts;

(xii)   the weighted average Pool Strip Rate for such  Distribution Date and the
        Pass-Through  Rate with respect to the Class A-V  Certificates  and each
        Subclass, if any, thereof;
<PAGE>

(xiii)  the Pass-Through  Rates on the Floater  Certificates and Inverse Floater
        Certificates for such Distribution  Date,  separately  identifying LIBOR
        for such Distribution Date;

(xiv)   the  Notional  Amount  with  respect  to each  class  of  Interest  Only
        Certificates and each Subclass Notional Amount;

(xv)    the  occurrence  of the  Credit  Support  Depletion  Date and  Accretion
        Termination Date;

(xvi)   the related Senior  Accelerated  Distribution  Percentage  applicable to
        such distribution;

(xvii)  the related Senior Percentage for such Distribution Date;

(xviii) the aggregate amount of Realized Losses for such Distribution Date;

(xix)   the aggregate  amount of any recoveries on previously  foreclosed  loans
        from Sellers due to a breach of a representation or warranty assigned to
        the Trustee pursuant to Section 2.04;

(xx)    the weighted  average  remaining  term to maturity of the Mortgage Loans
        after  giving  effect to the amounts  distributed  on such  Distribution
        Date; and

(xxi)   the weighted  average  Mortgage Rates of the Mortgage Loans after giving
        effect to the amounts distributed on such Distribution Date.

(xxii)  the  Insured  Payment for such  Distribution  Date,  and the  respective
        portions   allocable   to   principal   and   interest  for  the  Retail
        Certificates;

(xxiii) the Reserve Fund I Withdrawal  and Reserve Fund II  Withdrawal  for such
        Distribution Date;

(xxiv)  the  amount  of  any  Certificate   Insurance   Payments  made  on  such
        Distribution  Date, the amount of any reimbursement  payment made to the
        Certificate  Insurer  on such  Distribution  Date  pursuant  to  Section
        4.02(a)(xvi)  and the  amount of  Cumulative  Insurance  Payments  after
        giving  effect to any such  Certificate  Insurance  Payment  or any such
        reimbursement payment to the Certificate Insurer; and

               (xxiv)  the  amount  of  Rounding  Account  withdrawals  for such
Distribution Date.

        In the case of  information  furnished  pursuant to clauses (i) and (ii)
above,  the amounts shall be expressed as a dollar amount per Certificate with a
$1,000 denomination.

        The Trustee's internet website, and assistance in using the website, can
be  obtained  by  calling  the  Trustee's  Shareholder  Relations  desk at (800)
735-7777.  To receive this statement via first class mail, telephone the Trustee
at (800) 735-7777.

<PAGE>

                                  EXHIBIT FOUR

                     STANDARD TERMS OF POOLING AND SERVICING
                      AGREEMENT DATED AS OF AUGUST 1, 2002

                                 EXECUTION COPY

================================================================================

                                STANDARD TERMS OF
                         POOLING AND SERVICING AGREEMENT

                           Dated as of August 1, 2002

                        Residential Accredit Loans, Inc.
                 Mortgage Asset-Backed Pass-Through Certificates

================================================================================

<PAGE>
<TABLE>
<CAPTION>

                                TABLE OF CONTENTS

                                                                                            PAGE

                                                -i-

<S>                                                                                        <C>
Article I         DEFINITIONS...............................................................2

        Section 1.01. Definitions...........................................................2

        Section 1.02. Use of Words and Phrases.............................................31

Article II        CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES..........32

        Section 2.01. Conveyance of Mortgage Loans.........................................32

        Section 2.02. Acceptance by Trustee................................................38

        Section 2.03. Representations, Warranties and Covenants of the Master Servicer
               and the Company.............................................................39

        Section 2.04. Representations and Warranties of Sellers............................41

        Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates
               Evidencing Interests in REMIC I Certificates................................43

        Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular Interests;
               Acceptance by the Trustee...................................................43

        Section 2.07. Issuance of Certificates Evidencing Interests in REMIC II............43

        Section 2.08. Purposes and Powers of the Trust.....................................43

Article III       ADMINISTRATION AND SERVICING OF MORTGAGE LOANS...........................44

        Section 3.01. Master Servicer to Act as Servicer...................................44

        Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement
               of Subservicers' and Sellers' Obligations...................................45

        Section 3.03. Successor Subservicers...............................................46

        Section 3.04. Liability of the Master Servicer.....................................47

        Section 3.05. No Contractual Relationship Between Subservicer and Trustee or
               Certificateholders..........................................................47

        Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee..... 47

        Section 3.07. Collection of Certain Mortgage Loan Payments;  Deposits to Custodial Account
               48

        Section 3.08. Subservicing Accounts; Servicing Accounts............................50

        Section 3.09. Access to Certain Documentation and  Information Regarding the
                        Mortgage Loans ....................................................52

        Section 3.10. Permitted Withdrawals from the Custodial Account.....................52

<PAGE>

        Section 3.11. Maintenance of the Primary Insurance  Policies; Collections Thereunder54

        Section 3.12. Maintenance of Fire Insurance and  Omissions and Fidelity Coverage...55

        Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and  Modification Agreements;
               Certain Assignments.........................................................56

        Section 3.14. Realization Upon Defaulted Mortgage Loans............................58

        Section 3.15. Trustee to Cooperate; Release of Mortgage Files......................61

        Section 3.16. Servicing and Other Compensation; Compensating Interest..............63

        Section 3.17. Reports to the Trustee and the Company...............................64

        Section 3.18. Annual Statement as to Compliance....................................64

        Section 3.19. Annual Independent Public Accountants' Servicing Report..............64

        Section 3.20. Rights of the Company in Respect of the Master Servicer..............65

        Section 3.21. Administration of Buydown Funds......................................65

Article IV        PAYMENTS TO CERTIFICATEHOLDERS...........................................67

        Section 4.01. Certificate Account..................................................67

        Section 4.02. Distributions........................................................67

        Section 4.03. Statements to Certificateholders.....................................67

        Section 4.04. Distribution of Reports to the Trustee and  the Company; Advances by the
               Master Servicer.............................................................68

        Section 4.05. Allocation of Realized Losses........................................70

        Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property........70

        Section 4.07. Optional Purchase of Defaulted Mortgage Loans........................70

        Section 4.08. Surety Bond..........................................................70

Article V         THE CERTIFICATES.........................................................72

        Section 5.01. The Certificates.....................................................72

        Section 5.02. Registration of Transfer and Exchange of Certificates................74

        Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates....................79

        Section 5.04. Persons Deemed Owners................................................80

        Section 5.05. Appointment of Paying Agent..........................................80
<PAGE>

Article VI        THE COMPANY AND THE MASTER SERVICER......................................81

        Section 6.01. Respective Liabilities of the Company and the Master Servicer........81

        Section 6.02. Merger or Consolidation of the Company or the Master Servicer; Assignment of
               Rights and Delegation of Duties by Master Servicer..........................81

        Section 6.03. Limitation on Liability of the Company,  the Master Servicer and Others 82

        Section 6.04. Company and Master Servicer Not to Resign............................83

Article VII       DEFAULT..................................................................84

        Section 7.01. Events of Default....................................................84

        Section 7.02. Trustee or Company to Act; Appointment of Successor..................86

        Section 7.03. Notification to Certificateholders...................................87

        Section 7.04. Waiver of Events of Default..........................................87

Article VIII      CONCERNING THE TRUSTEE...................................................88

        Section 8.01. Duties of Trustee....................................................88

        Section 8.02. Certain Matters Affecting the Trustee................................89

        Section 8.03. Trustee Not Liable for Certificates or Mortgage Loans................91

        Section 8.04. Trustee May Own Certificates.........................................91

        Section 8.05. Master Servicer to Pay Trustee's Fees  and Expenses; Indemnification.91

        Section 8.06. Eligibility Requirements for Trustee.................................92

        Section 8.07. Resignation and Removal of the Trustee...............................93

        Section 8.08. Successor Trustee....................................................93

        Section 8.09. Merger or Consolidation of Trustee...................................94

        Section 8.10. Appointment of Co-Trustee or Separate Trustee........................94

        Section 8.11. Appointment of Custodians............................................95

        Section 8.12. Appointment of Office or Agency......................................96

Article IX        TERMINATION OR OPTIONAL PURCHASE OF ALL CERTIFICATES.....................97

        Section 9.01. Optional  Purchase by the Master Servicer of All Certificates; Termination
               Upon Purchase by the Master Servicer or Liquidation of All Mortgage Loans...97
<PAGE>

        Section 9.02. Additional Termination Requirements.................................100

        Section 9.03. Termination of Multiple REMICs......................................101

Article X         REMIC PROVISIONS........................................................102

        Section 10.01.REMIC Administration................................................102

        Section 10.02.Master Servicer, REMIC Administrator and Trustee Indemnification....105

        Section 10.03.Designation of REMIC(s).............................................106

Article XI        MISCELLANEOUS PROVISIONS................................................107

        Section 11.01.Amendment...........................................................107

        Section 11.02.Recordation of Agreement; Counterparts..............................109

        Section 11.03.Limitation on Rights of Certificateholders..........................110

        Section 11.04.Governing Law.......................................................110

        Section 11.05.Notices.............................................................111

        Section 11.06.Required Notices to Rating Agency and Subservicer...................111

        Section 11.07.Severability of Provisions..........................................111

        Section 11.08.Supplemental Provisions for Resecuritization........................112

        Section 11.09.Allocation of Voting Rights.........................................112

        Section 11.10.No Petition.........................................................112

<PAGE>

                                    EXHIBITS

Exhibit A:      Form of Class A Certificate
Exhibit B:      Form of Class M Certificate
Exhibit C:      Form of Class B Certificate
Exhibit D:      Form of Class R Certificate
Exhibit E:      Form of Seller/Servicer Contract
Exhibit F:      Forms of Request for Release
Exhibit G-1:    Form of Transfer Affidavit and Agreement
Exhibit G-2:    Form of Transferor Certificate
Exhibit H:      Form of Investor Representation Letter
Exhibit I:      Form of Transferor Representation Letter
Exhibit J:      Form of Rule 144A Investment Representation Letter
Exhibit K:      Text of Amendment to Pooling and Servicing Agreement
                Pursuant to Section 11.01(e) for a Limited Guaranty
Exhibit L:      Form of Limited Guaranty
Exhibit M:      Form of Lender Certification for Assignment of Mortgage Loan
Exhibit N:      Request for Exchange Form

</TABLE>

<PAGE>

        This is the Standard Terms of Pooling and Servicing Agreement,  dated as
of August 1, 2002 (the "Standard Terms", and as incorporated by reference into a
Series  Supplement  dated as of the Cut-off  Date,  the "Pooling  and  Servicing
Agreement" or  "Agreement"),  among  RESIDENTIAL  ACCREDIT  LOANS,  INC., as the
company  (together with its permitted  successors and assigns,  the  "Company"),
RESIDENTIAL FUNDING CORPORATION, as master servicer (together with its permitted
successors  and assigns,  the "Master  Servicer"),  and the trustee named in the
applicable  Series  Supplement  (together  with  its  permitted  successors  and
assigns, the "Trustee").

                             PRELIMINARY STATEMENT:

        The Company intends to sell certain mortgage  asset-backed  pass-through
certificates  (collectively,  the  "Certificates"),   to  be  issued  under  the
Agreement in multiple  classes,  which in the aggregate will evidence the entire
beneficial ownership interest in the Mortgage Loans.

        In consideration of the mutual agreements herein contained, the Company,
the Master Servicer and the Trustee agree as follows:

<PAGE>

                                   ARTICLE I

                                   DEFINITIONS

Section 1.01.  Definitions.

        Whenever used in this Agreement, the following words and phrases, unless
the  context  otherwise  requires,  shall have the  meanings  specified  in this
Article.

        Accretion Termination Date:  As defined in the Series Supplement.

        Accrual Certificates:  As defined in the Series Supplement.

        Accrued Certificate Interest: With respect to each Distribution Date, as
to any  Class  or  Subclass  of  Certificates  (other  than any  Principal  Only
Certificates),  interest  accrued during the related  Interest Accrual Period at
the related  Pass-Through Rate on the Certificate  Principal Balance or Notional
Amount thereof  immediately prior to such Distribution Date. Accrued Certificate
Interest will be calculated on the basis of a 360-day year, consisting of twelve
30-day  months.  In each  case  Accrued  Certificate  Interest  on any  Class or
Subclass of Certificates will be reduced by the amount of:

        (i)    Prepayment  Interest  Shortfalls on all Mortgage Loans or, if the
               Mortgage  Pool is comprised  of two or more Loan  Groups,  on the
               Mortgage  Loans in the  related  Loan  Group (to the  extent  not
               offset by the  Master  Servicer  with a payment  of  Compensating
               Interest as provided in Section 4.01),

         (ii)  the interest  portion  (adjusted to the Net Mortgage Rate (or the
               Modified  Net  Mortgage  Rate in the case of a Modified  Mortgage
               Loan))  of  Realized  Losses  on all  Mortgage  Loans  or, if the
               Mortgage  Pool is comprised  of two or more Loan  Groups,  on the
               Mortgage  Loans  in the  related  Loan  Group  (including  Excess
               Special Hazard  Losses,  Excess Fraud Losses,  Excess  Bankruptcy
               Losses and  Extraordinary  Losses) not allocated solely to one or
               more specific Classes of Certificates pursuant to Section 4.05,

         (iii) the interest  portion of Advances that were (A)  previously  made
               with  respect to a Mortgage  Loan or REO Property on all Mortgage
               Loans or, if the  Mortgage  Pool is comprised of two or more Loan
               Groups,  on the Mortgage  Loans in the related Loan Group,  which
               remained  unreimbursed  following  the  Cash  Liquidation  or REO
               Disposition  of such  Mortgage  Loan or REO Property and (B) made
               with respect to delinquencies that were ultimately  determined to
               be Excess  Special  Hazard  Losses,  Excess Fraud Losses,  Excess
               Bankruptcy Losses or Extraordinary Losses, and

        (iv)   any other interest  shortfalls  not covered by the  subordination
               provided by the Class M  Certificates  and Class B  Certificates,
               including  interest  that is not  collectible  from the Mortgagor
               pursuant to the Soldiers' and Sailors'  Civil Relief Act of 1940,
               as amended,  or similar  legislation  or regulations as in effect
               from time to time,

                                       2
<PAGE>

with  all  such  reductions  allocated  (A)  among  all of the  Certificates  in
proportion to their respective amounts of Accrued  Certificate  Interest payable
on such  Distribution Date absent such reductions or (B) if the Mortgage Pool is
comprised  of two or more Loan Groups,  the related  Senior  Percentage  of such
reductions among the related Senior Certificates in proportion to the amounts of
Accrued  Certificate  Interest  payable  from  the  related  Loan  Group on such
Distribution Date absent such reductions,  with the remainder of such reductions
allocated among the holders of the Class M Certificates and Class B Certificates
in  proportion  to their  respective  amounts  of Accrued  Certificate  Interest
payable on such  Distribution  Date absent such reductions.  In addition to that
portion of the reductions described in the preceding sentence that are allocated
to any  Class  of Class B  Certificates  or any  Class of Class M  Certificates,
Accrued Certificate Interest on such Class of Class B Certificates or such Class
of Class M Certificates will be reduced by the interest portion (adjusted to the
Net Mortgage Rate) of Realized Losses that are allocated solely to such Class of
Class B Certificates  or such Class of Class M Certificates  pursuant to Section
4.05.

     Addendum and Assignment  Agreement:  The Addendum and Assignment Agreement,
dated as of January 31, 1995, between MLCC and the Master Servicer.

        Additional  Collateral:  Any of the  following  held, in addition to the
related  Mortgaged  Property,  as security for a Mortgage  Loan:  (i) all money,
securities,  security  entitlements,   accounts,  general  intangibles,  payment
rights,  instruments,  documents,  deposit  accounts,  certificates  of deposit,
commodities  contracts  and other  investment  property  and other  property  of
whatever kind or description now existing or hereafter acquired which is pledged
as  security  for  the  repayment  of  such  Mortgage  Loan,  (ii)   third-party
guarantees,  and (A) all money,  securities,  security  entitlements,  accounts,
general intangibles,  payment rights, instruments,  documents, deposit accounts,
certificates of deposit, commodities contracts and other investment property and
other  property of  whatever  kind or  description  now  existing  or  hereafter
acquired  which is pledged as collateral for such guarantee or (B) any mortgaged
property  securing  the  performance  of such  guarantee,  or (iii)  such  other
collateral as may be set forth in the Series Supplement.

     Additional  Collateral  Loan:  Each  Mortgage  Loan  that is  supported  by
Additional Collateral.

        Adjusted  Mortgage Rate:  With respect to any Mortgage Loan and any date
of determination, the Mortgage Rate borne by the related Mortgage Note, less the
rate at which the related Subservicing Fee accrues.

     Advance:  As to any Mortgage Loan, any advance made by the Master Servicer,
pursuant to Section 4.04.

        Affiliate:  With respect to any Person,  any other  Person  controlling,
controlled by or under common  control with such first Person.  For the purposes
of this  definition,  "control"  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.

                                       3
<PAGE>

     Ambac:  Ambac  Assurance  Corporation  (formerly  known as AMBAC  Indemnity
Corporation).

        Amount Held for Future  Distribution:  As to any Distribution  Date and,
with respect to any Mortgage  Pool that is comprised of two or more Loan Groups,
each Loan Group,  the total of the amounts held in the Custodial  Account at the
close  of  business  on the  preceding  Determination  Date  on  account  of (i)
Liquidation Proceeds, Subsequent Recoveries,  Insurance Proceeds,  Curtailments,
Mortgage Loan  purchases made pursuant to Section 2.02,  2.03,  2.04 or 4.07 and
Mortgage  Loan  substitutions  made pursuant to Section 2.03 or 2.04 received or
made in the  month  of such  Distribution  Date  (other  than  such  Liquidation
Proceeds,  Insurance  Proceeds and  purchases of Mortgage  Loans that the Master
Servicer has deemed to have been received in the  preceding  month in accordance
with Section 3.07(b)),  and Principal Prepayments in Full made after the related
Prepayment  Period, and (ii) payments which represent early receipt of scheduled
payments of  principal  and interest  due on a date or dates  subsequent  to the
related Due Date.

        Appraised  Value:  As to any Mortgaged  Property,  the lesser of (i) the
appraised value of such Mortgaged  Property based upon the appraisal made at the
time of the  origination of the related  Mortgage Loan, and (ii) the sales price
of the Mortgaged  Property at such time of origination,  except in the case of a
Mortgaged  Property  securing a refinanced or modified Mortgage Loan as to which
it is  either  the  appraised  value  determined  above or the  appraised  value
determined in an appraisal at the time of  refinancing or  modification,  as the
case may be.

        Assigned  Contracts:  With respect to any Pledged Asset Loan: the Credit
Support Pledge Agreement; the Funding and Pledge Agreement,  among GMAC Mortgage
Corporation,  National Financial Services Corporation and the Mortgagor or other
person pledging the related Pledged Assets; the Additional Collateral Agreement,
between GMAC Mortgage Corporation and the Mortgagor or other person pledging the
related  Pledged  Assets;  or such  other  contracts  as may be set forth in the
Series Supplement.

        Assignment:  An  assignment  of the  Mortgage,  notice  of  transfer  or
equivalent  instrument,  in recordable  form,  sufficient  under the laws of the
jurisdiction  wherein  the related  Mortgaged  Property is located to reflect of
record  the  sale  of the  Mortgage  Loan to the  Trustee  for  the  benefit  of
Certificateholders,   which   assignment,   notice  of  transfer  or  equivalent
instrument  may be in the  form  of one or  more  blanket  assignments  covering
Mortgages  secured  by  Mortgaged  Properties  located  in the same  county,  if
permitted by law and accompanied by an Opinion of Counsel to that effect.

        Assignment Agreement: The Assignment and Assumption Agreement, dated the
Closing  Date,  between  Residential  Funding  and the  Company  relating to the
transfer and assignment of the Mortgage Loans.

        Assignment of Proprietary Lease: With respect to a Cooperative Loan, the
assignment of the related Cooperative Lease from the Mortgagor to the originator
of the Cooperative Loan.

        Available  Distribution  Amount:  As to any Distribution  Date and, with
respect to any Mortgage  Pool  comprised  of two or more Loan Groups,  each Loan
Group, an amount equal to (a) the sum of (i) the amount relating to the Mortgage
Loans on deposit in the  Custodial  Account as of the close of  business  on the

                                       4
<PAGE>

immediately preceding  Determination Date, including any Subsequent  Recoveries,
and  amounts   deposited  in  the  Custodial  Account  in  connection  with  the
substitution  of Qualified  Substitute  Mortgage  Loans,  (ii) the amount of any
Advance made on the  immediately  preceding  Certificate  Account  Deposit Date,
(iii) any amount deposited in the Certificate Account on the related Certificate
Account Deposit Date pursuant to the second paragraph of Section  3.12(a),  (iv)
any amount  deposited in the Certificate  Account  pursuant to Section 4.07, (v)
any amount  that the Master  Servicer  is not  permitted  to  withdraw  from the
Custodial Account or the Certificate  Account pursuant to Section 3.16(e),  (vi)
any amount  received  by the  Trustee  pursuant to the Surety Bond in respect of
such  Distribution Date and (vii) the proceeds of any Pledged Assets received by
the Master  Servicer,  reduced by (b) the sum as of the close of business on the
immediately  preceding  Determination Date of (w) aggregate Foreclosure Profits,
(x) the Amount Held for Future  Distribution,  and (y) amounts  permitted  to be
withdrawn by the Master  Servicer from the  Custodial  Account in respect of the
Mortgage Loans pursuant to clauses (ii)-(x), inclusive, of Section 3.10(a). Such
amount shall be determined  separately for each Loan Group.  Additionally,  with
respect to any Mortgage Pool that is comprised of two or more Loan Groups, if on
any Distribution  Date  Compensating  Interest provided pursuant to this Section
3.16(e) is less than  Prepayment  Interest  Shortfalls  incurred on the Mortgage
Loans in connection with Principal  Prepayments in Full and Curtailments made in
the prior calendar month, such Compensating  Interest shall be allocated on such
Distribution Date to the Available  Distribution Amount for each Loan Group on a
pro rata basis in  accordance  with the  respective  amounts of such  Prepayment
Interest Shortfalls incurred on the Mortgage Loans in such Loan Group in respect
of such Distribution Date.

        Bankruptcy Code:  The Bankruptcy Code of 1978, as amended.
        ---------------

        Bankruptcy  Loss:  With  respect  to  any  Mortgage  Loan,  a  Deficient
Valuation or Debt Service Reduction; provided, however, that neither a Deficient
Valuation  nor a Debt  Service  Reduction  shall  be  deemed a  Bankruptcy  Loss
hereunder  so long as the Master  Servicer  has  notified the Trustee in writing
that the Master  Servicer is diligently  pursuing any remedies that may exist in
connection  with the  representations  and warranties made regarding the related
Mortgage  Loan and either (A) the related  Mortgage  Loan is not in default with
regard to payments due  thereunder or (B)  delinquent  payments of principal and
interest  under the related  Mortgage  Loan and any  premiums on any  applicable
primary hazard  insurance  policy and any related escrow  payments in respect of
such Mortgage Loan are being advanced on a current basis by the Master  Servicer
or a  Subservicer,  in either case  without  giving  effect to any Debt  Service
Reduction.

        Book-Entry  Certificate:  Any Certificate  registered in the name of the
Depository or its nominee,  and designated as such in the Preliminary  Statement
to the Series Supplement.

        Business  Day:  Any day other than (i) a Saturday  or a Sunday or (ii) a
day on which  banking  institutions  in the  State  of New  York,  the  State of
Michigan, the State of California or the State of Illinois (and such other state
or states in which the Custodial  Account or the Certificate  Account are at the
time located) are required or authorized by law or executive order to be closed.

                                       5
<PAGE>

        Buydown  Funds:  Any amount  contributed  by the  seller of a  Mortgaged
Property, the Company or other source in order to enable the Mortgagor to reduce
the payments  required to be made from the Mortgagor's  funds in the early years
of a  Mortgage  Loan.  Buydown  Funds  are not part of the Trust  Fund  prior to
deposit into the Custodial or Certificate Account.

        Buydown  Mortgage Loan: Any Mortgage Loan as to which a specified amount
of interest is paid out of related  Buydown Funds in  accordance  with a related
buydown agreement.

        Cash  Liquidation:  As to  any  defaulted  Mortgage  Loan  other  than a
Mortgage Loan as to which an REO Acquisition  occurred,  a determination  by the
Master  Servicer  that  it has  received  all  Insurance  Proceeds,  Liquidation
Proceeds  and  other  payments  or cash  recoveries  which the  Master  Servicer
reasonably and in good faith expects to be finally  recoverable  with respect to
such Mortgage Loan.

     Certificate Account Deposit Date: As to any Distribution Date, the Business
Day prior thereto.

        Certificateholder  or Holder:  The Person in whose name a Certificate is
registered  in  the  Certificate  Register,  and,  in  respect  of  any  Insured
Certificates,  the  Certificate  Insurer to the extent of  Cumulative  Insurance
Payments,  except that  neither a  Disqualified  Organization  nor a  Non-United
States  Person shall be a holder of a Class R  Certificate  for purposes  hereof
and, solely for the purpose of giving any consent or direction  pursuant to this
Agreement, any Certificate, other than a Class R Certificate,  registered in the
name of the Company,  the Master  Servicer or any  Subservicer  or any Affiliate
thereof shall be deemed not to be  outstanding  and the  Percentage  Interest or
Voting Rights  evidenced  thereby shall not be taken into account in determining
whether the requisite amount of Percentage  Interests or Voting Rights necessary
to effect any such consent or direction has been obtained. All references herein
to "Holders" or  "Certificateholders"  shall  reflect the rights of  Certificate
Owners as they may  indirectly  exercise such rights  through the Depository and
participating members thereof,  except as otherwise specified herein;  provided,
however,  that the  Trustee  shall be  required  to  recognize  as a "Holder" or
"Certificateholder" only the Person in whose name a Certificate is registered in
the Certificate Register.

        Certificate Insurer: As defined in the Series Supplement.

        Certificate Owner: With respect to a Book-Entry Certificate,  the Person
who is the beneficial owner of such Certificate, as reflected on the books of an
indirect participating brokerage firm for which a Depository Participant acts as
agent, if any, and otherwise on the books of a Depository  Participant,  if any,
and otherwise on the books of the Depository.

     Certificate Principal Balance: With respect to each Certificate (other than
any Interest Only  Certificate),  on any date of determination,  an amount equal
to:

     (i)  the  Initial  Certificate  Principal  Balance of such  Certificate  as
          specified on the face thereof, plus

     (ii) any Subsequent  Recoveries added to the Certificate  Principal Balance
          of such Certificate pursuant to Section 4.02, plus

                                       6
<PAGE>

     (iii)in the  case of each  Accrual  Certificate,  an  amount  equal  to the
          aggregate  Accrued  Certificate  Interest  added  to  the  Certificate
          Principal Balance thereof prior to such date of determination, minus

     (iv) the sum of (x) the  aggregate  of all amounts  previously  distributed
          with respect to such Certificate (or any predecessor  Certificate) and
          applied to reduce the Certificate  Principal  Balance thereof pursuant
          to  Section  4.02(a)  and  (y)  the  aggregate  of all  reductions  in
          Certificate  Principal  Balance  deemed to have occurred in connection
          with  Realized  Losses  which  were   previously   allocated  to  such
          Certificate (or any predecessor Certificate) pursuant to Section 4.05;

provided,  that the  Certificate  Principal  Balance of each  Certificate of the
Class of  Subordinate  Certificates  with the Lowest  Priority at any given time
shall  be  further  reduced  by an  amount  equal  to  the  Percentage  Interest
represented  by such  Certificate  multiplied by the excess,  if any, of (A) the
then aggregate Certificate Principal Balance of all Classes of Certificates then
outstanding over (B) the then aggregate Stated Principal Balance of the Mortgage
Loans.

     Certificate Register and Certificate Registrar: The register maintained and
the registrar appointed pursuant to Section 5.02.

        Class:   Collectively,   all  of  the  Certificates   bearing  the  same
designation.  The initial Class A-V Certificates and any Subclass thereof issued
pursuant  to  Section  5.01(c)  shall be a single  Class  for  purposes  of this
Agreement.

     Class A-P Certificate:  Any one of the  Certificates  designated as a Class
A-P Certificate.

        Class A-P Collection Shortfall:  With respect to the Cash Liquidation or
REO  Disposition  of a Discount  Mortgage Loan and any  Distribution  Date,  the
excess of the  amount  described  in  Section  4.02(b)(i)(C)(1)  over the amount
described in Section 4.02(b)(i)(C)(2).

        Class A-P Principal Distribution Amount:  As defined in Section 4.02.

     Class A-V Certificate:  Any one of the  Certificates  designated as a Class
A-V Certificate, including any Subclass thereof.

        Class B Certificate:  Any one of the Certificates  designated as a Class
B-1 Certificate, Class B-2 Certificate or Class B-3 Certificate.

        Class M Certificate:  Any one of the Certificates  designated as a Class
M-1 Certificate, Class M-2 Certificate or Class M-3 Certificate.

        Closing Date:  As defined in the Series Supplement.

        Code:  The Internal Revenue Code of 1986.

     Combined  Collateral  LLC:  Combined  Collateral  LLC, a  Delaware  limited
liability company.

                                       7
<PAGE>

        Compensating Interest:  With respect to any Distribution Date, an amount
equal to Prepayment Interest Shortfalls resulting from Principal  Prepayments in
Full  during the related  Prepayment  Period and  Curtailments  during the prior
calendar  month and  included  in the  Available  Distribution  Amount  for such
Distribution  Date, but not more than the lesser of (a) one-twelfth of 0.125% of
the Stated Principal  Balance of the Mortgage Loans  immediately  preceding such
Distribution  Date and (b) the sum of the  Servicing Fee and all income and gain
on amounts held in the Custodial Account and the Certificate Account and payable
to the Certificateholders  with respect to such Distribution Date; provided that
for  purposes of this  definition  the amount of the  Servicing  Fee will not be
reduced pursuant to Section 7.02 except as may be required  pursuant to the last
sentence of such Section.

        Cooperative:  A private,  cooperative  housing corporation which owns or
leases land and all or part of a building or  buildings,  including  apartments,
spaces used for commercial  purposes and common areas therein and whose board of
directors authorizes, among other things, the sale of Cooperative Stock.

        Cooperative  Apartment:  A dwelling  unit in a  multi-dwelling  building
owned or leased by a  Cooperative,  which unit the  Mortgagor  has an  exclusive
right to  occupy  pursuant  to the  terms of a  proprietary  lease or  occupancy
agreement.

        Cooperative  Lease:  With respect to a Cooperative Loan, the proprietary
lease or occupancy agreement with respect to the Cooperative  Apartment occupied
by the Mortgagor and relating to the related  Cooperative  Stock, which lease or
agreement  confers an exclusive right to the holder of such Cooperative Stock to
occupy such apartment.

        Cooperative  Loans:  Any of the  Mortgage  Loans  made in  respect  of a
Cooperative  Apartment,  evidenced  by a  Mortgage  Note  and  secured  by (i) a
Security  Agreement,  (ii) the related  Cooperative Stock Certificate,  (iii) an
assignment of the Cooperative  Lease, (iv) financing  statements and (v) a stock
power (or other  similar  instrument),  and  ancillary  thereto,  a  recognition
agreement  between the Cooperative  and the originator of the Cooperative  Loan,
each of which was  transferred  and assigned to the Trustee  pursuant to Section
2.01 and are from time to time held as part of the Trust Fund.

     Cooperative   Stock:  With  respect  to  a  Cooperative  Loan,  the  single
outstanding class of stock,  partnership  interest or other ownership instrument
in the related Cooperative.

     Cooperative  Stock  Certificate:  With respect to a Cooperative  Loan,  the
stock certificate or other instrument evidencing the related Cooperative Stock.

        Credit Support Depletion Date: The first  Distribution Date on which the
Certificate Principal Balances of the Subordinate Certificates have been reduced
to zero.

        Credit Support Pledge  Agreement:  The Credit Support Pledge  Agreement,
dated as of  November  24,  1998,  among  the  Master  Servicer,  GMAC  Mortgage
Corporation, Combined Collateral LLC and The First National Bank of Chicago (now
known as Bank One, National Association), as custodian.

        Cumulative Insurance Payments:  As defined in the Series Supplement.

                                       8
<PAGE>

     Curtailment:  Any Principal  Prepayment  made by a Mortgagor which is not a
Principal Prepayment in Full.

        Custodial  Account:  The  custodial  account  or  accounts  created  and
maintained pursuant to Section 3.07 in the name of a depository institution,  as
custodian for the holders of the Certificates,  for the holders of certain other
interests in mortgage loans serviced or sold by the Master  Servicer and for the
Master  Servicer,  into which the  amounts  set forth in  Section  3.07 shall be
deposited directly. Any such account or accounts shall be an Eligible Account.

        Custodial  Agreement:  An  agreement  that may be entered into among the
Company, the Master Servicer,  the Trustee and a Custodian pursuant to which the
Custodian will hold certain  documents  relating to the Mortgage Loans on behalf
of the Trustee.

        Custodian:  A custodian appointed pursuant to a Custodial Agreement.

        Cut-off Date  Principal  Balance:  As to any Mortgage  Loan,  the unpaid
principal  balance  thereof  at the  Cut-off  Date  after  giving  effect to all
installments of principal due on or prior thereto, whether or not received.

        Debt Service  Reduction:  With respect to any Mortgage Loan, a reduction
in the scheduled  Monthly Payment for such Mortgage Loan by a court of competent
jurisdiction in a proceeding under the Bankruptcy Code,  except such a reduction
constituting a Deficient  Valuation or any reduction that results in a permanent
forgiveness of principal.

        Deficient Valuation: With respect to any Mortgage Loan, a valuation by a
court of competent jurisdiction of the Mortgaged Property 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  Monthly
Payment that constitutes a permanent  forgiveness of principal,  which valuation
or reduction results from a proceeding under the Bankruptcy Code.

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

     Deleted  Mortgage  Loan: A Mortgage  Loan replaced or to be replaced with a
Qualified Substitute Mortgage Loan.

        Delinquent:  As used herein, a Mortgage Loan is considered to be: "30 to
59 days" or "30 or more days" delinquent when a payment due on any scheduled due
date  remains  unpaid  as of the  close of  business  on the last  business  day
immediately  prior to the next following  monthly  scheduled due date; "60 to 89
days" or "60 or more days"  delinquent  when a payment due on any  scheduled due
date  remains  unpaid  as of the  close of  business  on the last  business  day
immediately prior to the second following monthly scheduled due date; and so on.
The  determination  as to whether a Mortgage Loan falls into these categories is
made as of the close of business  on the last  business  day of each month.  For
example, a Mortgage Loan with a payment due on July 1 that remained unpaid as of
the close of  business on July 31 would then be  considered  to be 30 to 59 days
delinquent.  Delinquency  information  as of the Cut-off Date is determined  and
prepared as of the close of business on the last business day immediately  prior
to the Cut-off Date.

                                       9
<PAGE>

        Depository:  The Depository Trust Company,  or any successor  Depository
hereafter  named.  The  nominee  of  the  initial  Depository  for  purposes  of
registering those Certificates that are to be Book-Entry  Certificates is Cede &
Co. The Depository shall at all times be a "clearing  corporation" as defined in
Section  8-102(a)(5) of the Uniform Commercial Code of the State of New York and
a "clearing agency" registered  pursuant to the provisions of Section 17A of the
Securities Exchange Act of 1934, as amended.

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

     Destroyed  Mortgage  Note:  A  Mortgage  Note the  original  of  which  was
permanently lost or destroyed and has not been replaced.

        Determination Date: As defined in the Series Supplement.

        Discount  Fraction:  With respect to each Discount  Mortgage  Loan,  the
fraction  expressed as a percentage,  the numerator of which is the Discount Net
Mortgage Rate minus the Net Mortgage Rate (or the initial Net Mortgage Rate with
respect to any Discount Mortgage Loans as to which the Mortgage Rate is modified
pursuant to 3.07(a)) for such Mortgage Loan and the  denominator of which is the
Discount Net Mortgage Rate. The Discount  Fraction with respect to each Discount
Mortgage Loan is set forth as an exhibit attached to the Series Supplement.

        Discount Mortgage Loan: Any Mortgage Loan having a Net Mortgage Rate (or
the initial Net Mortgage  Rate) of less than the Discount Net Mortgage  Rate per
annum and any Mortgage  Loan deemed to be a Discount  Mortgage  Loan pursuant to
the definition of Qualified Substitute Mortgage Loan.

        Discount Net Mortgage Rate:  As defined in the Series Supplement.

        Disqualified  Organization:  Any organization defined as a "disqualified
organization"  under  Section  860E(e)(5)  of the  Code,  and  if not  otherwise
included,  any of the following:  (i) the United States,  any State or political
subdivision  thereof,  any  possession  of the United  States,  or any agency or
instrumentality of any of the foregoing (other than an instrumentality  which is
a corporation if all of its  activities  are subject to tax and,  except for the
Freddie  Mac, a  majority  of its board of  directors  is not  selected  by such
governmental unit), (ii) a foreign government,  any international  organization,
or any agency or instrumentality of any of the foregoing, (iii) any organization
(other than certain farmers' cooperatives  described in Section 521 of the Code)
which is exempt from the tax imposed by Chapter 1 of the Code (including the tax
imposed by Section 511 of the Code on unrelated  business taxable income),  (iv)
rural electric and telephone  cooperatives described in Section 1381(a)(2)(C) of
the Code, (v) any "electing large  partnership," as defined in Section 775(a) of
the Code and (vi) any other Person so  designated  by the Trustee  based upon an
Opinion  of  Counsel  that the  holding of an  Ownership  Interest  in a Class R
Certificate  by such  Person may cause the Trust  Fund or any  Person  having an
Ownership  Interest in any Class of  Certificates  (other  than such  Person) to
incur a liability  for any  federal  tax  imposed  under the Code that would not
otherwise be imposed but for the Transfer of an Ownership  Interest in a Class R
Certificate   to  such  Person.   The  terms   "United   States",   "State"  and
"international  organization"  shall have the meanings set forth in Section 7701
of the Code or successor provisions.

                                       10
<PAGE>

        Distribution  Date:  The 25th day of any  month  beginning  in the month
immediately  following the month of the initial issuance of the Certificates or,
if such 25th day is not a Business Day, the Business Day  immediately  following
such 25th day.

     Due Date: With respect to any Distribution  Date and any Mortgage Loan, the
day during the related Due Period on which the Monthly Payment is due.

     Due Period: With respect to any Distribution Date, the one-month period set
forth in the Series Supplement.

        Eligible  Account:  An  account  that  is  any  of  the  following:  (i)
maintained with a depository institution the debt obligations of which have been
rated by each Rating Agency in its highest rating available,  or (ii) an account
or accounts in a depository institution in which such accounts are fully insured
to the limits established by the FDIC, provided that any deposits not so insured
shall, to the extent  acceptable to each Rating Agency, as evidenced in writing,
be maintained such that (as evidenced by an Opinion of Counsel  delivered to the
Trustee and each Rating Agency) the registered  Holders of  Certificates  have a
claim with  respect to the funds in such account or a perfected  first  security
interest   against  any   collateral   (which  shall  be  limited  to  Permitted
Investments)  securing  such  funds  that is  superior  to  claims  of any other
depositors or creditors of the depository institution with which such account is
maintained,  or (iii) in the case of the Custodial  Account,  a trust account or
accounts  maintained in the  corporate  trust  department of Bank One,  National
Association,  or (iv) in the case of the Certificate Account, a trust account or
accounts  maintained in the corporate  trust division of the Trustee,  or (v) an
account or accounts of a depository institution acceptable to each Rating Agency
(as  evidenced in writing by each Rating  Agency that use of any such account as
the  Custodial  Account or the  Certificate  Account  will not reduce the rating
assigned to any Class of  Certificates  by such Rating Agency below the lower of
the  then-current  rating or the rating assigned to such  Certificates as of the
Closing Date by such Rating Agency).

        Event of Default:  As defined in Section 7.01.

     Excess  Bankruptcy  Loss: Any Bankruptcy  Loss, or portion  thereof,  which
exceeds the then applicable Bankruptcy Amount.

     Excess Fraud Loss:  Any Fraud Loss, or portion  thereof,  which exceeds the
then applicable Fraud Loss Amount.

     Excess Special  Hazard Loss:  Any Special Hazard Loss, or portion  thereof,
that exceeds the then applicable Special Hazard Amount.

        Excess  Subordinate  Principal Amount:  With respect to any Distribution
Date on which  the  aggregate  Certificate  Principal  Balance  of the  Class of
Subordinate  Certificates  then  outstanding  with the Lowest  Priority is to be
reduced to zero and on which  Realized  Losses are to be allocated to such class
or classes,  the  excess,  if any,  of (i) the amount  that would  otherwise  be
distributable  in respect of principal on such class or classes of  Certificates
on such  Distribution  Date  over  (ii) the  excess,  if any,  of the  aggregate
Certificate   Principal  Balance  of  such  class  or  classes  of  Certificates

                                       11
<PAGE>

immediately  prior to such  Distribution  Date  over  the  aggregate  amount  of
Realized  Losses  to be  allocated  to  such  classes  of  Certificates  on such
Distribution  Date as  reduced  by any  amount  calculated  pursuant  to Section
4.02(b)(i)(E).  With  respect to any  Mortgage  Pool that is comprised of two or
more Loan  Groups,  the Excess  Subordinate  Principal  Amount will be allocated
between  each Loan  Group on a pro rata basis in  accordance  with the amount of
Realized   Losses   attributable  to  each  Loan  Group  and  allocated  to  the
Certificates on such Distribution Date.

        Extraordinary  Events: Any of the following conditions with respect to a
Mortgaged  Property  (or, with respect to a Cooperative  Loan,  the  Cooperative
Apartment)  or Mortgage  Loan  causing or  resulting  in a loss which causes the
liquidation of such Mortgage Loan:

(a)     losses that are of the type that would be covered by the  fidelity  bond
        and the errors and omissions  insurance policy required to be maintained
        pursuant to Section 3.12(b) but are in excess of the coverage maintained
        thereunder;

(b)     nuclear reaction or nuclear radiation or radioactive contamination,  all
        whether  controlled or uncontrolled,  and whether such loss be direct or
        indirect,  proximate  or  remote  or be in whole or in part  caused  by,
        contributed to or aggravated by a peril covered by the definition of the
        term "Special Hazard Loss";

(c)     hostile or warlike action in time of peace or war,  including  action in
        hindering,  combating  or  defending  against  an actual,  impending  or
        expected attack:

     1. by any  government or sovereign  power,  de jure or de facto,  or by any
authority maintaining or using military, naval or air forces; or

     2. by military, naval or air forces; or

     3. by an agent of any such government, power, authority or forces;

(d)  any weapon of war employing atomic fission or radioactive  force whether in
     time of peace or war; or

(e)  insurrection,  rebellion,  revolution,  civil war,  usurped power or action
     taken by  governmental  authority  in  hindering,  combating  or  defending
     against such an  occurrence,  seizure or  destruction  under  quarantine or
     customs  regulations,  confiscation  by order of any  government  or public
     authority; or risks of contraband or illegal transportation or trade.

     Extraordinary  Losses:  Any loss  incurred on a Mortgage  Loan caused by or
resulting from an Extraordinary Event.

        Fannie Mae: Federal National Mortgage Association, a federally chartered
and  privately  owned  corporation  organized  and  existing  under the  Federal
National Mortgage Association Charter Act, or any successor thereto.

                                       12
<PAGE>

     FASIT:  A "financial  asset  securitization  investment  trust"  within the
meaning of Section 860L of the Code.

        FDIC:  Federal Deposit Insurance Corporation or any successor thereto.

        Final  Distribution  Date:  The  Distribution  Date on which  the  final
distribution  in respect of the  Certificates  will be made  pursuant to Section
9.01, which Final  Distribution  Date shall in no event be later than the end of
the 90-day liquidation period described in Section 9.02.

        Fitch:  Fitch Ratings or its successor in interest.

        Foreclosure   Profits:   As  to  any   Distribution   Date  or   related
Determination  Date and any Mortgage  Loan,  the excess,  if any, of Liquidation
Proceeds,  Insurance Proceeds and REO Proceeds (net of all amounts  reimbursable
therefrom  pursuant to Section  3.10(a)(ii)) in respect of each Mortgage Loan or
REO Property for which a Cash  Liquidation  or REO  Disposition  occurred in the
related  Prepayment  Period over the sum of the unpaid principal balance of such
Mortgage Loan or REO Property (determined, in the case of an REO Disposition, in
accordance  with Section 3.14) plus accrued and unpaid  interest at the Mortgage
Rate on such unpaid  principal  balance from the Due Date to which  interest was
last paid by the Mortgagor to the first day of the month  following the month in
which such Cash Liquidation or REO Disposition occurred.

     Fraud Losses:  Losses on Mortgage  Loans as to which there was fraud in the
origination of such Mortgage Loan.

        Freddie  Mac:  Federal  Home  Loan  Mortgage  Corporation,  a  corporate
instrumentality of the United States created and existing under Title III of the
Emergency Home Finance Act of 1970, as amended, or any successor thereto.

        Highest  Priority:  As of  any  date  of  determination,  the  Class  of
Subordinate  Certificates then outstanding with a Certificate  Principal Balance
greater than zero, with the earliest  priority for payments  pursuant to Section
4.02(a),  in the following  order:  Class M-1,  Class M-2, Class M-3, Class B-1,
Class B-2 and Class B-3 Certificates.

        Independent:  When used with respect to any specified Person, means such
a Person who (i) is in fact independent of the Company,  the Master Servicer and
the Trustee,  or any Affiliate thereof,  (ii) does not have any direct financial
interest or any material indirect financial interest in the Company,  the Master
Servicer or the Trustee or in an Affiliate  thereof,  and (iii) is not connected
with the Company,  the Master  Servicer or the Trustee as an officer,  employee,
promoter,  underwriter,  trustee, partner, director or person performing similar
functions.

        Initial  Certificate  Principal  Balance:  With respect to each Class of
Certificates, the Certificate Principal Balance of such Class of Certificates as
of the Cut-off Date, as set forth in the Series Supplement.

        Initial Monthly Payment Fund: An amount representing scheduled principal
amortization and interest at the Net Mortgage Rate for the Due Date in the first
Due Period  commencing  subsequent to the Cut-off Date for those  Mortgage Loans
for which the Trustee will not be entitled to receive such payment,  and as more
specifically defined in the Series Supplement.

                                       13
<PAGE>

        Initial  Notional  Amount:  With  respect  to any Class or  Subclass  of
Interest Only Certificates, the amount initially used as the principal basis for
the calculation of any interest payment amount, as more specifically  defined in
the Series Supplement.

      Initial Subordinate Class Percentage: As defined in the Series Supplement.

        Insurance  Proceeds:  Proceeds  paid in  respect of the  Mortgage  Loans
pursuant to any Primary  Insurance Policy or any other related  insurance policy
covering a Mortgage Loan  (excluding any  Certificate  Policy (as defined in the
Series  Supplement)),  to the extent such  proceeds are payable to the mortgagee
under the Mortgage, any Subservicer,  the Master Servicer or the Trustee and are
not applied to the  restoration  of the related  Mortgaged  Property  (or,  with
respect to a Cooperative Loan, the related Cooperative Apartment) or released to
the Mortgagor in accordance  with the procedures  that the Master Servicer would
follow in servicing mortgage loans held for its own account.

     Insurer:  Any named  insurer  under  any  Primary  Insurance  Policy or any
successor thereto or the named insurer in any replacement policy.

        Interest Accrual Period: As defined in the Series Supplement.

     Interest  Only  Certificates:  A Class  or  Subclass  of  Certificates  not
entitled  to  payments  of  principal,  and  designated  as such  in the  Series
Supplement.  The Interest Only Certificates  will have no Certificate  Principal
Balance.

        Interim Certification:  As defined in Section 2.02.

        International Borrower: In connection with any Mortgage Loan, a borrower
who  is (a) a  United  States  citizen  employed  in a  foreign  country,  (b) a
non-permanent resident alien employed in the United States or (c) a citizen of a
country  other than the United States with income  derived from sources  outside
the United States.

     Junior Certificateholder: The Holder of not less than 95% of the Percentage
Interests of the Junior Class of Certificates.

        Junior  Class of  Certificates:  The Class of  Subordinate  Certificates
outstanding  as of the date of the  repurchase  of a Mortgage  Loan  pursuant to
Section 4.07 herein that has the Lowest Priority.

        Late  Collections:  With  respect  to any  Mortgage  Loan,  all  amounts
received during any Due Period,  whether as late payments of Monthly Payments or
as Insurance Proceeds,  Liquidation Proceeds or otherwise,  which represent late
payments or  collections  of Monthly  Payments due but delinquent for a previous
Due Period and not previously recovered.

        Liquidation  Proceeds:  Amounts (other than Insurance Proceeds) received
by the Master  Servicer  in  connection  with the taking of an entire  Mortgaged
Property  by  exercise  of the power of  eminent  domain or  condemnation  or in
connection with the liquidation of a defaulted  Mortgage Loan through  trustee's
sale, foreclosure sale or otherwise, other than REO Proceeds.

                                       14
<PAGE>

        Loan Group:  Any group of Mortgage  Loans  designated as a separate loan
group in the Series  Supplement.  The  Certificates  relating to each Loan Group
will be designated in the Series Supplement.

        Loan-to-Value  Ratio:  As of any  date,  the  fraction,  expressed  as a
percentage,  the  numerator  of which is the  current  principal  balance of the
related Mortgage Loan at the date of determination  and the denominator of which
is the Appraised Value of the related Mortgaged Property.

        Lower  Priority:  As of any  date  of  determination  and any  Class  of
Subordinate  Certificates,  any other  Class of  Subordinate  Certificates  then
outstanding with a later priority for payments pursuant to Section 4.02 (a).

        Lowest  Priority:  As  of  any  date  of  determination,  the  Class  of
Subordinate  Certificates then outstanding with a Certificate  Principal Balance
greater than zero,  with the latest  priority  for payments  pursuant to Section
4.02(a),  in the following  order:  Class B-3,  Class B-2, Class B-1, Class M-3,
Class M-2 and Class M-1 Certificates.

        Maturity Date: The latest possible maturity date, solely for purposes of
Section   1.860G-1(a)(4)(iii)   of  the  Treasury  regulations,   by  which  the
Certificate  Principal  Balance of each Class of  Certificates  (other  than the
Interest Only Certificates which have no Certificate Principal Balance) and each
Uncertificated REMIC Regular Interest would be reduced to zero, as designated in
the Series Supplement.

     MERS:  Mortgage  Electronic   Registration  Systems,  Inc.,  a  corporation
organized and existing under the laws of the State of Delaware, or any successor
thereto.

        MERS(R)  System:   The  system  of  recording   transfers  of  Mortgages
electronically maintained by MERS.

     MIN: The Mortgage  Identification Number for Mortgage Loans registered with
MERS on the MERS(R) System.

        MLCC:  Merrill Lynch Credit Corporation, or its successor in interest.

     Modified  Mortgage  Loan:  Any Mortgage Loan that has been the subject of a
Servicing Modification.

        Modified Net Mortgage  Rate: As to any Mortgage Loan that is the subject
of a Servicing  Modification,  the Net Mortgage Rate minus the rate per annum by
which the Mortgage Rate on such Mortgage Loan was reduced.

        MOM  Loan:  With  respect  to any  Mortgage  Loan,  MERS  acting  as the
mortgagee of such Mortgage  Loan,  solely as nominee for the  originator of such
Mortgage Loan and its successors and assigns, at the origination thereof.

                                       15
<PAGE>

        Monthly  Payment:  With respect to any Mortgage Loan  (including any REO
Property) and any Due Date, the payment of principal and interest due thereon in
accordance with the amortization  schedule at the time applicable thereto (after
adjustment,  if any, for  Curtailments  and for Deficient  Valuations  occurring
prior to such Due Date but before any adjustment to such  amortization  schedule
by reason of any  bankruptcy,  other  than a  Deficient  Valuation,  or  similar
proceeding or any  moratorium  or similar  waiver or grace period and before any
Servicing Modification that constitutes a reduction of the interest rate on such
Mortgage Loan).

        Moody's:  Moody's Investors Service, Inc., or its successor in interest.

        Mortgage:  With respect to each Mortgage Note related to a Mortgage Loan
which is not a Cooperative Loan, the mortgage, deed of trust or other comparable
instrument  creating  a first  lien on an  estate  in fee  simple  or  leasehold
interest in real property securing a Mortgage Note.

        Mortgage File: The mortgage  documents listed in Section 2.01 pertaining
to a particular Mortgage Loan and any additional  documents required to be added
to the Mortgage File pursuant to this Agreement.

        Mortgage Loans:  Such of the mortgage loans  transferred and assigned to
the Trustee  pursuant to Section 2.01 as from time to time are held or deemed to
be held as a part of the Trust Fund, the Mortgage Loans originally so held being
identified in the initial  Mortgage  Loan  Schedule,  and  Qualified  Substitute
Mortgage Loans held or deemed held as part of the Trust Fund including,  without
limitation,  (i) with respect to each  Cooperative  Loan,  the related  Mortgage
Note,  Security  Agreement,  Assignment of Proprietary Lease,  Cooperative Stock
Certificate,  Cooperative  Lease and Mortgage  File and all rights  appertaining
thereto,  and (ii) with respect to each  Mortgage  Loan other than a Cooperative
Loan,  each related  Mortgage  Note,  Mortgage and Mortgage  File and all rights
appertaining thereto.

        Mortgage Loan Schedule:  As defined in the Series Supplement.

        Mortgage  Note:  The  originally  executed  note or  other  evidence  of
indebtedness  evidencing the  indebtedness of a Mortgagor under a Mortgage Loan,
together with any modification thereto.

     Mortgage Pool: The pool of mortgage  loans,  including all Loan Groups,  if
any, consisting of the Mortgage Loans.

     Mortgage  Rate:  As to any Mortgage  Loan,  the interest  rate borne by the
related  Mortgage  Note,  or any  modification  thereto  other than a  Servicing
Modification.

        Mortgaged  Property:  The underlying  real property  securing a Mortgage
Loan or, with respect to a Cooperative  Loan, the related  Cooperative Lease and
Cooperative Stock.

        Mortgagor:  The obligor on a Mortgage Note.

        Net  Mortgage  Rate:  As to each  Mortgage  Loan,  a per  annum  rate of
interest  equal to the Adjusted  Mortgage  Rate less the per annum rate at which
the Servicing Fee is calculated.

                                       16
<PAGE>

     Non-Discount Mortgage Loan: A Mortgage Loan that is not a Discount Mortgage
Loan.

        Non-Primary Residence Loans: The Mortgage Loans designated as secured by
second or vacation  residences,  or by  non-owner  occupied  residences,  on the
Mortgage Loan Schedule.

        Non-United States Person:  Any Person other than a United States Person.

        Nonrecoverable  Advance:  Any Advance  previously made or proposed to be
made by the Master  Servicer in respect of a Mortgage Loan (other than a Deleted
Mortgage Loan) which,  in the good faith judgment of the Master  Servicer,  will
not, or, in the case of a proposed Advance, would not, be ultimately recoverable
by the Master  Servicer  from  related  Late  Collections,  Insurance  Proceeds,
Liquidation  Proceeds,  REO  Proceeds  or  amounts  reimbursable  to the  Master
Servicer  pursuant to Section 4.02(a) hereof.  The  determination  by the Master
Servicer that it has made a Nonrecoverable  Advance or that any proposed Advance
would  constitute a Nonrecoverable  Advance,  shall be evidenced by an Officers'
Certificate delivered to the Company, the Trustee and any Certificate Insurer.

     Nonsubserviced  Mortgage  Loan:  Any  Mortgage  Loan  that,  at the time of
reference thereto, is not subject to a Subservicing Agreement.

        Notional Amount:  With respect to any Class or Subclass of Interest Only
Certificates,  an amount used as the principal  basis for the calculation of any
interest payment amount, as more specifically defined in the Series Supplement.

        Officers'  Certificate:  A  certificate  signed by the  Chairman  of the
Board,  the  President or a Vice  President or Assistant  Vice  President,  or a
Director or Managing Director,  and by the Treasurer,  the Secretary,  or one of
the Assistant  Treasurers or Assistant  Secretaries of the Company or the Master
Servicer,  as the case may be, and delivered to the Trustee, as required by this
Agreement.

        Opinion of  Counsel:  A written  opinion of  counsel  acceptable  to the
Trustee  and the  Master  Servicer,  who may be counsel  for the  Company or the
Master  Servicer,  provided  that any opinion of counsel (i)  referred to in the
definition of "Disqualified  Organization" or (ii) relating to the qualification
of any REMIC formed under the Series  Supplement  or  compliance  with the REMIC
Provisions  must,  unless  otherwise  specified,  be an opinion  of  Independent
counsel.

        Outstanding  Mortgage  Loan:  As  to  any  Due  Date,  a  Mortgage  Loan
(including an REO Property) which was not the subject of a Principal  Prepayment
in Full,  Cash  Liquidation  or REO  Disposition  and which  was not  purchased,
deleted or  substituted  for prior to such Due Date  pursuant  to Section  2.02,
2.03, 2.04 or 4.07.

        Ownership  Interest:  As to any  Certificate,  any ownership or security
interest in such Certificate,  including any interest in such Certificate as the
Holder thereof and any other interest therein, whether direct or indirect, legal
or beneficial, as owner or as pledgee.

        Pass-Through Rate:  As defined in the Series Supplement.

     Paying Agent:  The Trustee or any successor  Paying Agent  appointed by the
Trustee.

                                       17
<PAGE>

        Percentage Interest: With respect to any Certificate (other than a Class
R Certificate), the undivided percentage ownership interest in the related Class
evidenced by such  Certificate,  which  percentage  ownership  interest shall be
equal to the Initial  Certificate  Principal Balance thereof or Initial Notional
Amount (in the case of any Interest  Only  Certificate)  thereof  divided by the
aggregate Initial Certificate  Principal Balance or the aggregate of the Initial
Notional Amounts, as applicable, of all the Certificates of the same Class. With
respect to a Class R Certificate,  the interest in distributions to be made with
respect to such Class evidenced thereby, expressed as a percentage, as stated on
the face of each such Certificate.

        Permitted Investments:  One or more of the following:

(i)     obligations  of or guaranteed as to principal and interest by the United
        States or any agency or  instrumentality  thereof when such  obligations
        are backed by the full faith and credit of the United States;

(ii)    repurchase  agreements on  obligations  specified in clause (i) maturing
        not more than one month from the date of acquisition  thereof,  provided
        that the unsecured  obligations of the party agreeing to repurchase such
        obligations  are at the time rated by each Rating  Agency in its highest
        short-term rating available;

(iii)federal funds,  certificates of deposit, demand deposits, time deposits and
     bankers'  acceptances  (which  shall each have an original  maturity of not
     more than 90 days and,  in the case of  bankers'  acceptances,  shall in no
     event  have an  original  maturity  of more  than 365  days or a  remaining
     maturity of more than 30 days)  denominated in United States dollars of any
     U.S. depository institution or trust company incorporated under the laws of
     the  United  States or any state  thereof  or of any  domestic  branch of a
     foreign  depository  institution or trust  company;  provided that the debt
     obligations  of such  depository  institution  or trust company (or, if the
     only  Rating  Agency is  Standard  & Poor's,  in the case of the  principal
     depository  institution in a depository  institution holding company,  debt
     obligations of the depository  institution  holding company) at the date of
     acquisition  thereof  have been rated by each Rating  Agency in its highest
     short-term rating available;  and provided further that, if the only Rating
     Agency is  Standard & Poor's and if the  depository  or trust  company is a
     principal  subsidiary of a bank holding company and the debt obligations of
     such subsidiary are not separately  rated,  the applicable  rating shall be
     that of the bank  holding  company;  and,  provided  further  that,  if the
     original maturity of such short-term  obligations of a domestic branch of a
     foreign  depository  institution or trust company shall exceed 30 days, the
     short-term rating of such institution shall be A-1+ in the case of Standard
     & Poor's if Standard & Poor's is the Rating Agency;

(iv)    commercial  paper and demand notes  (having  original  maturities of not
        more than 365 days) of any  corporation  incorporated  under the laws of
        the United States or any state thereof which on the date of  acquisition
        has been rated by each Rating  Agency in its highest  short-term  rating
        available;  provided that such  commercial  paper shall have a remaining
        maturity of not more than 30 days;

                                       18
<PAGE>

(v)  a money  market  fund or a qualified  investment  fund rated by each Rating
     Agency in its highest long-term rating available; and

(vi) other  obligations or securities  that are acceptable to each Rating Agency
     as a Permitted Investment hereunder and will not reduce the rating assigned
     to any Class of  Certificates  by such Rating Agency below the lower of the
     then-current  rating or the rating assigned to such  Certificates as of the
     Closing Date by such Rating Agency, as evidenced in writing;

provided,  however,  no  instrument  shall  be  a  Permitted  Investment  if  it
represents,  either (1) the right to receive only interest payments with respect
to the underlying debt instrument or (2) the right to receive both principal and
interest  payments derived from  obligations  underlying such instrument and the
principal and interest payments with respect to such instrument  provide a yield
to maturity greater than 120% of the yield to maturity at par of such underlying
obligations.  References  herein to the highest  rating  available  on unsecured
long-term debt shall mean AAA in the case of Standard & Poor's and Fitch and Aaa
in the case of Moody's, and references herein to the highest rating available on
unsecured commercial paper and short-term debt obligations shall mean A-1 in the
case of Standard & Poor's, P-1 in the case of Moody's and either A-1 by Standard
& Poor's, P-1 by Moody's or F-1 by Fitch in the case of Fitch.

     Permitted Transferee: Any Transferee of a Class R Certificate, other than a
Disqualified Organization or Non-United States Person.

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

     Pledged Amount: With respect to any Pledged Asset Loan, the amount of money
remitted to Combined  Collateral  LLC, at the direction of or for the benefit of
the related Mortgagor.

        Pledged  Asset Loan:  Any Mortgage Loan  supported by Pledged  Assets or
such other collateral,  other than the related Mortgaged Property,  set forth in
the Series Supplement.

        Pledged   Assets:   With  respect  to  any  Mortgage  Loan,  all  money,
securities,  security  entitlements,   accounts,  general  intangibles,  payment
intangibles,  instruments, documents, deposit accounts, certificates of deposit,
commodities  contracts  and other  investment  property  and other  property  of
whatever kind or description  pledged by Combined  Collateral LLC as security in
respect of any Realized  Losses in connection  with such Mortgage Loan up to the
Pledged Amount for such Mortgage Loan, and any related collateral, or such other
collateral as may be set forth in the Series Supplement.

        Pledged Asset Mortgage Servicing  Agreement:  The Pledged Asset Mortgage
Servicing  Agreement,  dated as of February 28, 1996 between MLCC and the Master
Servicer.

        Pooling  and  Servicing  Agreement  or  Agreement:  With  respect to any
Series, this Standard Terms together with the related Series Supplement.

                                       19
<PAGE>

     Pool Stated Principal  Balance:  As to any Distribution Date, the aggregate
of the Stated  Principal  Balances of each Mortgage Loan.  Pool Strip Rate: With
respect to each  Mortgage  Loan, a per annum rate equal to the excess of (a) the
Net Mortgage  Rate of such Mortgage Loan over (b) the Discount Net Mortgage Rate
(but not less than 0.00%) per annum.

        Prepayment  Distribution  Trigger: With respect to any Distribution Date
and  any  Class  of   Subordinate   Certificates   (other  than  the  Class  M-1
Certificates),  a test that shall be satisfied if the fraction  (expressed  as a
percentage) equal to the sum of the Certificate Principal Balances of such Class
and each Class of Subordinate Certificates with a Lower Priority than such Class
immediately  prior to such  Distribution  Date divided by the  aggregate  Stated
Principal  Balance of all of the  Mortgage  Loans (or  related  REO  Properties)
immediately  prior to such Distribution Date is greater than or equal to the sum
of the  related  Initial  Subordinate  Class  Percentages  of  such  Classes  of
Subordinate Certificates.

        Prepayment  Interest  Shortfall:  As to any  Distribution  Date  and any
Mortgage Loan (other than a Mortgage Loan relating to an REO Property)  that was
the  subject of (a) a  Principal  Prepayment  in Full  during the portion of the
related  Prepayment Period that falls during the prior calendar month, an amount
equal  to the  excess  of one  month's  interest  at the Net  Mortgage  Rate (or
Modified  Net  Mortgage  Rate in the case of a  Modified  Mortgage  Loan) on the
Stated  Principal  Balance of such  Mortgage  Loan over the  amount of  interest
(adjusted to the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of
a Modified  Mortgage  Loan)) paid by the Mortgagor for such month to the date of
such Principal Prepayment in Full or (b) a Curtailment during the prior calendar
month,  an amount  equal to one month's  interest at the Net  Mortgage  Rate (or
Modified  Net  Mortgage  Rate in the case of a  Modified  Mortgage  Loan) on the
amount of such Curtailment.

        Prepayment Period: As to any Distribution Date and Principal  Prepayment
in Full,  the period  commencing on the 16th day of the month prior to the month
in which that  Distribution  Date occurs and ending on the 15th day of the month
in which such Distribution Date occurs.

     Primary  Insurance  Policy:   Each  primary  policy  of  mortgage  guaranty
insurance or any replacement policy therefor referred to in Section  2.03(b)(iv)
and (v).

     Principal  Only  Certificates:  A Class of  Certificates  not  entitled  to
payments of interest,  and more  specifically  designated  as such in the Series
Supplement.

        Principal  Prepayment:  Any payment of principal or other  recovery on a
Mortgage Loan,  including a recovery that takes the form of Liquidation Proceeds
or Insurance  Proceeds,  which is received in advance of its  scheduled Due Date
and is not  accompanied  by an  amount  as to  interest  representing  scheduled
interest  on such  payment  due on any  date or dates  in any  month  or  months
subsequent to the month of prepayment.

     Principal  Prepayment  in Full:  Any  Principal  Prepayment  of the  entire
principal balance of a Mortgage Loan that is made by the Mortgagor.

                                       20
<PAGE>

     Program  Guide:  Collectively,  the Client Guide and the Servicer Guide for
Residential Funding's Expanded Criteria Mortgage Program.

        Purchase  Price:  With  respect to any Mortgage  Loan (or REO  Property)
required to be or  otherwise  purchased  on any date  pursuant to Section  2.02,
2.03,  2.04 or  4.07,  an  amount  equal  to the sum of (i)  100% of the  Stated
Principal Balance thereof plus the principal portion of any related unreimbursed
Advances  and (ii) unpaid  accrued  interest at the Adjusted  Mortgage  Rate (or
Modified Net Mortgage Rate plus the rate per annum at which the Servicing Fee is
calculated in the case of a Modified Mortgage Loan) (or at the Net Mortgage Rate
(or Modified Net Mortgage Rate in the case of a Modified  Mortgage  Loan) in the
case of a purchase made by the Master Servicer) on the Stated Principal  Balance
thereof  to the Due Date in the Due  Period  related  to the  Distribution  Date
occurring  in the month  following  the month of  purchase  from the Due Date to
which interest was last paid by the Mortgagor.

        Qualified  Substitute  Mortgage  Loan: A Mortgage  Loan  substituted  by
Residential  Funding or the Company for a Deleted  Mortgage  Loan which must, on
the  date  of  such  substitution,  as  confirmed  in an  Officers'  Certificate
delivered to the Trustee, with a copy to the Custodian,

        (i)    have an outstanding  principal  balance,  after  deduction of the
               principal  portion  of the  monthly  payment  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
               outstanding  principal  balance,  after such  deduction),  not in
               excess of the Stated  Principal  Balance of the Deleted  Mortgage
               Loan (the amount of any shortfall to be deposited by  Residential
               Funding in the Custodial Account in the month of substitution);

        (ii)   have a Mortgage  Rate and a Net  Mortgage  Rate no lower than and
               not more than 1% per annum higher than the Mortgage  Rate and Net
               Mortgage Rate,  respectively,  of the Deleted Mortgage Loan as of
               the date of substitution;

        (iii)  have a Loan-to-Value  Ratio at the time of substitution no higher
               than  that  of  the  Deleted   Mortgage   Loan  at  the  time  of
               substitution;

        (iv)   have a remaining  term to stated  maturity  not greater than (and
               not more than one year less  than) that of the  Deleted  Mortgage
               Loan;

          (v)  comply  with  each  representation  and  warranty  set  forth  in
               Sections  2.03 and 2.04  hereof and  Section 4 of the  Assignment
               Agreement; and

          (vi) have a Pool  Strip  Rate  equal to or  greater  than  that of the
               Deleted Mortgage Loan.

Notwithstanding  any other provisions  herein, (x) with respect to any Qualified
Substitute  Mortgage Loan  substituted  for a Deleted  Mortgage Loan which was a
Discount Mortgage Loan, such Qualified  Substitute Mortgage Loan shall be deemed
to be a  Discount  Mortgage  Loan and to have a Discount  Fraction  equal to the
Discount  Fraction  of the Deleted  Mortgage  Loan and (y) in the event that the
"Pool  Strip  Rate" of any  Qualified  Substitute  Mortgage  Loan as  calculated
pursuant to the  definition  of "Pool Strip Rate" is greater than the Pool Strip
Rate of the related Deleted Mortgage Loan

                                       21
<PAGE>

        (i)    the Pool Strip Rate of such  Qualified  Substitute  Mortgage Loan
               shall  be equal to the Pool  Strip  Rate of the  related  Deleted
               Mortgage Loan for purposes of calculating the  Pass-Through  Rate
               on the Class A-V Certificates and

        (ii)   the excess of the Pool Strip  Rate on such  Qualified  Substitute
               Mortgage Loan as calculated  pursuant to the  definition of "Pool
               Strip  Rate"  over the Pool  Strip  Rate on the  related  Deleted
               Mortgage  Loan  shall  be  payable  to the  Class R  Certificates
               pursuant to Section 4.02 hereof.

        Rating Agency:  Each of the statistical credit rating agencies specified
in the  Preliminary  Statement  of the  Series  Supplement.  If any  agency or a
successor is no longer in existence,  "Rating Agency" shall be such  statistical
credit rating agency,  or other  comparable  Person,  designated by the Company,
notice  of  which  designation  shall be given  to the  Trustee  and the  Master
Servicer.

        Realized Loss:  With respect to each Mortgage Loan (or REO Property):

          (a)  as to which a Cash  Liquidation or REO  Disposition has occurred,
               an amount (not less than zero) equal to (i) the Stated  Principal
               Balance of the Mortgage  Loan (or REO Property) as of the date of
               Cash Liquidation or REO Disposition,  plus (ii) interest (and REO
               Imputed  Interest,  if any) at the Net Mortgage Rate from the Due
               Date  as  to  which   interest  was  last  paid  or  advanced  to
               Certificateholders  up to the Due Date in the Due Period  related
               to the  Distribution  Date on which  such  Realized  Loss will be
               allocated  pursuant  to  Section  4.05  on the  Stated  Principal
               Balance  of such  Mortgage  Loan  (or REO  Property)  outstanding
               during  each  Due  Period  that  such  interest  was not  paid or
               advanced,  minus (iii) the proceeds,  if any, received during the
               month  in  which  such  Cash  Liquidation  (or  REO  Disposition)
               occurred,  to the extent applied as recoveries of interest at the
               Net Mortgage Rate and to principal of the Mortgage  Loan,  net of
               the portion  thereof  reimbursable  to the Master Servicer or any
               Subservicer  with  respect to related  Advances or expenses as to
               which  the  Master   Servicer  or   Subservicer  is  entitled  to
               reimbursement  thereunder  but  which  have not  been  previously
               reimbursed,

        (b)    which is the subject of a Servicing Modification,  (i) the amount
               by  which  the  interest  portion  of a  Monthly  Payment  or the
               principal balance of such Mortgage Loan was reduced, and (ii) any
               such amount with  respect to a Monthly  Payment that was or would
               have been due in the  month  immediately  following  the month in
               which  a  Principal  Prepayment  or the  Purchase  Price  of such
               Mortgage Loan is received or is deemed to have been received,

        (c)    which has  become  the  subject  of a  Deficient  Valuation,  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, or

                                       22
<PAGE>

        (d)    which has  become  the object of a Debt  Service  Reduction,  the
               amount of such Debt Service Reduction.

Notwithstanding  the above,  neither a Deficient  Valuation  nor a Debt  Service
Reduction  shall be  deemed a  Realized  Loss  hereunder  so long as the  Master
Servicer  has  notified  the  Trustee in writing  that the  Master  Servicer  is
diligently  pursuing  any  remedies  that  may  exist  in  connection  with  the
representations  and  warranties  made  regarding the related  Mortgage Loan and
either (A) the related  Mortgage  Loan is not in default with regard to payments
due  thereunder or (B)  delinquent  payments of principal and interest under the
related  Mortgage  Loan  and  any  premiums  on any  applicable  primary  hazard
insurance  policy and any related  escrow  payments in respect of such  Mortgage
Loan  are  being  advanced  on a  current  basis  by the  Master  Servicer  or a
Subservicer, in either case without giving effect to any Debt Service Reduction.

To the extent the Master Servicer receives Subsequent Recoveries with respect to
any Mortgage Loan, the amount of the Realized Loss with respect to that Mortgage
Loan will be reduced to the extent  such  recoveries  are  applied to reduce the
Certificate  Principal  Balance of any Class of Certificates on any Distribution
Date.

        Record  Date:  With  respect  to each  Distribution  Date,  the close of
business on the last Business Day of the month next preceding the month in which
the related Distribution Date occurs.

     Regular  Certificate:  Any  of  the  Certificates  other  than  a  Class  R
Certificate.

     REMIC: A "real estate  mortgage  investment  conduit" within the meaning of
Section 860D of the Code.

        REMIC  Administrator:  Residential Funding  Corporation.  If Residential
Funding  Corporation is found by a court of competent  jurisdiction to no longer
be able to fulfill its obligations as REMIC  Administrator  under this Agreement
the  Master  Servicer  or  Trustee  acting as Master  Servicer  shall  appoint a
successor REMIC Administrator,  subject to assumption of the REMIC Administrator
obligations under this Agreement.

        REMIC  Provisions:  Provisions of the federal income tax law relating to
real estate mortgage investment conduits,  which appear at Sections 860A through
860G of  Subchapter  M of Chapter 1 of the Code,  and  related  provisions,  and
temporary and final  regulations (or, to the extent not  inconsistent  with such
temporary or final  regulations,  proposed  regulations) and published  rulings,
notices and  announcements  promulgated  thereunder,  as the foregoing may be in
effect from time to time.

        REO Acquisition: The acquisition by the Master Servicer on behalf of the
Trustee for the benefit of the  Certificateholders  of any REO Property pursuant
to Section 3.14.

        REO Disposition:  As to any REO Property,  a determination by the Master
Servicer that it has received all Insurance Proceeds,  Liquidation Proceeds, REO
Proceeds and other payments and recoveries  (including proceeds of a final sale)
which the Master  Servicer  expects to be finally  recoverable  from the sale or
other disposition of the REO Property.

                                       23
<PAGE>

        REO Imputed Interest: As to any REO Property,  for any period, an amount
equivalent to interest (at the Net Mortgage Rate that would have been applicable
to the related  Mortgage Loan had it been  outstanding) on the unpaid  principal
balance of the  Mortgage  Loan as of the date of  acquisition  thereof  for such
period.

        REO Proceeds:  Proceeds, net of expenses, received in respect of any REO
Property (including, without limitation, proceeds from the rental of the related
Mortgaged  Property  or,  with  respect  to  a  Cooperative  Loan,  the  related
Cooperative  Apartment)  which  proceeds are  required to be deposited  into the
Custodial Account only upon the related REO Disposition.

        REO  Property:  A Mortgaged  Property  acquired  by the Master  Servicer
through  foreclosure  or  deed  in  lieu of  foreclosure  in  connection  with a
defaulted Mortgage Loan.

        Request  for  Release:  A request  for  release,  the forms of which are
attached as Exhibit F hereto,  or an electronic  request in a form acceptable to
the Custodian.

        Required  Insurance  Policy:  With  respect to any  Mortgage  Loan,  any
insurance policy which is required to be maintained from time to time under this
Agreement, the Program Guide or the related Subservicing Agreement in respect of
such Mortgage Loan.

        Required Surety Payment:  With respect to any Additional Collateral Loan
that becomes a Liquidated Mortgage Loan, the lesser of (i) the principal portion
of the Realized Loss with respect to such Mortgage Loan and (ii) the excess,  if
any, of (a) the amount of Additional  Collateral  required at  origination  with
respect  to  such  Mortgage  Loan  over  (b) the net  proceeds  realized  by the
Subservicer from the related Additional Collateral.

     Residential   Funding:   Residential   Funding   Corporation,   a  Delaware
corporation,  in its capacity as seller of the Mortgage Loans to the Company and
any successor thereto.

        Responsible Officer:  When used with respect to the Trustee, any officer
of the  Corporate  Trust  Department  of the Trustee,  including any Senior Vice
President,  any Vice  President,  any Assistant  Vice  President,  any Assistant
Secretary, any Trust Officer or Assistant Trust Officer, or any other officer of
the Trustee customarily  performing  functions similar to those performed by any
of the above designated  officers to whom, with respect to a particular  matter,
such matter is referred.

        Retail  Certificates:  A Senior Certificate,  if any, offered in smaller
minimum denominations than other Senior Certificates,  and designated as such in
the Series Supplement.

        Schedule of Discount Fractions:  The schedule setting forth the Discount
Fractions with respect to the Discount Mortgage Loans, attached as an exhibit to
the Series Supplement.

     Security  Agreement:  With respect to a  Cooperative  Loan,  the  agreement
creating  a  security  interest  in  favor  of the  originator  in  the  related
Cooperative Stock.

     Seller: As to any Mortgage Loan, a Person, including any Subservicer,  that
executed a Seller's Agreement applicable to such Mortgage Loan.

                                       24
<PAGE>

        Seller's  Agreement:  An  agreement  for  the  origination  and  sale of
Mortgage  Loans  generally  in the form of the Seller  Contract  referred  to or
contained in the Program  Guide,  or in such other form as has been  approved by
the  Master  Servicer  and the  Company,  each  containing  representations  and
warranties in respect of one or more Mortgage  Loans  consistent in all material
respects with those set forth in the Program Guide.

        Senior  Accelerated  Distribution   Percentage:   With  respect  to  any
Distribution  Date occurring on or prior to the 60th Distribution Date and, with
respect to any Mortgage  Pool  comprised  of two or more Loan  Groups,  any Loan
Group,  100%. With respect to any Distribution Date thereafter and any such Loan
Group, if applicable, as follows:

(i)     for any  Distribution  Date after the 60th  Distribution  Date but on or
        prior to the 72nd  Distribution  Date, the related Senior Percentage for
        such  Distribution Date plus 70% of the related  Subordinate  Percentage
        for such Distribution Date;

(ii)    for any  Distribution  Date after the 72nd  Distribution  Date but on or
        prior to the 84th  Distribution  Date, the related Senior Percentage for
        such  Distribution Date plus 60% of the related  Subordinate  Percentage
        for such Distribution Date;

(iii)   for any  Distribution  Date after the 84th  Distribution  Date but on or
        prior to the 96th  Distribution  Date, the related Senior Percentage for
        such  Distribution Date plus 40% of the related  Subordinate  Percentage
        for such Distribution Date;

(iv)    for any  Distribution  Date after the 96th  Distribution  Date but on or
        prior to the 108th  Distribution Date, the related Senior Percentage for
        such  Distribution Date plus 20% of the related  Subordinate  Percentage
        for such Distribution Date; and

(v)  for any  Distribution  Date  thereafter,  the  Senior  Percentage  for such
     Distribution Date;

provided, however,

        (i) that any scheduled reduction to the Senior Accelerated  Distribution
Percentage  described above shall not occur as of any  Distribution  Date unless
either

               (a)(1)(X) the outstanding principal balance of the Mortgage Loans
        delinquent  60 days or more  averaged  over the last  six  months,  as a
        percentage of the aggregate outstanding Certificate Principal Balance of
        the  Subordinate  Certificates,  is less than 50% or (Y) the outstanding
        principal  balance of Mortgage Loans delinquent 60 days or more averaged
        over the last six months,  as a percentage of the aggregate  outstanding
        principal  balance  of all  Mortgage  Loans  averaged  over the last six
        months, does not exceed 2% and (2) Realized Losses on the Mortgage Loans
        to date  for such  Distribution  Date if  occurring  during  the  sixth,
        seventh,  eighth, ninth or tenth year (or any year thereafter) after the
        Closing Date are less than 30%, 35%, 40%, 45% or 50%,  respectively,  of
        the sum of the Initial Certificate Principal Balances of the Subordinate
        Certificates or

                (b)(1)  the  outstanding  principal  balance of  Mortgage  Loans
        delinquent  60 days or more  averaged  over the last  six  months,  as a

                                       25
<PAGE>

        percentage  of  the  aggregate  outstanding  principal  balance  of  all
        Mortgage Loans averaged over the last six months, does not exceed 4% and
        (2) Realized Losses on the Mortgage Loans to date for such  Distribution
        Date, if occurring  during the sixth,  seventh,  eighth,  ninth or tenth
        year (or any year thereafter)  after the Closing Date are less than 10%,
        15%,  20%,  25%  or  30%,  respectively,  of  the  sum  of  the  Initial
        Certificate Principal Balances of the Subordinate Certificates, and

        (ii) that for any  Distribution  Date on which the Senior  Percentage is
greater  than  the  Senior  Percentage  as  of  the  Closing  Date,  the  Senior
Accelerated  Distribution  Percentage for such  Distribution Date shall be 100%,
or,  if the  Mortgage  Pool is  comprised  of two or more Loan  Groups,  for any
Distribution  Date on which the weighted  average of the Senior  Percentages for
each Loan Group,  weighted on the basis of the Stated Principal  Balances of the
Mortgage  Loans in the related Loan Group,  exceeds the weighted  average of the
initial Senior Percentages  (calculated on such basis) for each Loan Group, each
of the Senior  Accelerated  Distribution  Percentages for such Distribution Date
will equal 100%.

Notwithstanding the foregoing,  upon the reduction of the Certificate  Principal
Balances  of  the  related  Senior   Certificates  (other  than  the  Class  A-P
Certificates,  if any) to zero,  the  related  Senior  Accelerated  Distribution
Percentage shall thereafter be 0%.

        Senior Certificate:  As defined in the Series Supplement.

        Senior Percentage: As defined in the Series Supplement.

        Senior  Support   Certificate:   A  Senior   Certificate  that  provides
additional  credit  enhancement to certain other classes of Senior  Certificates
and designated as such in the Preliminary Statement of the Series Supplement.

     Series: All of the Certificates  issued pursuant to a Pooling and Servicing
Agreement and bearing the same series designation.

        Series  Supplement:  The  agreement  into which this  Standard  Terms is
incorporated and pursuant to which,  together with this Standard Terms, a Series
of Certificates is issued.

     Servicing Accounts: The account or accounts created and maintained pursuant
to Section 3.08.

        Servicing  Advances:  All  customary,  reasonable  and necessary "out of
pocket" costs and expenses incurred in connection with a default, delinquency or
other  unanticipated  event by the Master  Servicer  in the  performance  of its
servicing  obligations,  including,  but not  limited  to,  the  cost of (i) the
preservation,  restoration  and  protection  of a  Mortgaged  Property  or, with
respect to a  Cooperative  Loan,  the related  Cooperative  Apartment,  (ii) any
enforcement  or judicial  proceedings,  including  foreclosures,  including  any
expenses  incurred  in  relation  to any such  proceedings  that result from the
Mortgage Loan being  registered  on the MERS System,  (iii) the  management  and
liquidation of any REO Property and (iv) compliance  with the obligations  under
Sections 3.01, 3.08, 3.11, 3.12(a) and 3.14,  including,  if the Master Servicer
or any Affiliate of the Master Servicer provides services such as appraisals and
brokerage services that are customarily provided by Persons other than servicers
of mortgage loans, reasonable compensation for such services.

                                       26
<PAGE>

        Servicing Fee: With respect to any Mortgage Loan and Distribution  Date,
the fee payable  monthly to the Master  Servicer in respect of master  servicing
compensation  that accrues at an annual rate  designated  on the  Mortgage  Loan
Schedule as the "MSTR SERV FEE" for such Mortgage  Loan, as may be adjusted with
respect to successor Master Servicers as provided in Section 7.02.

        Servicing  Modification:  Any  reduction of the interest  rate on or the
outstanding  principal  balance of a Mortgage  Loan that is in  default,  or for
which,  in  the  judgment  of  the  Master   Servicer,   default  is  reasonably
foreseeable, pursuant to a modification of such Mortgage Loan in accordance with
Section 3.07(a).

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

        Special  Hazard Loss: Any Realized Loss not in excess of the cost of the
lesser of repair or replacement  of a Mortgaged  Property (or, with respect to a
Cooperative Loan, the related Cooperative  Apartment) suffered by such Mortgaged
Property  (or  Cooperative  Apartment)  on  account  of  direct  physical  loss,
exclusive  of (i) any  loss of a type  covered  by a  hazard  policy  or a flood
insurance policy required to be maintained in respect of such Mortgaged Property
pursuant  to Section  3.12(a),  except to the extent of the portion of such loss
not covered as a result of any coinsurance  provision and (ii) any Extraordinary
Loss.

     Standard  &  Poor's:  Standard  & Poor's,  a  division  of The  McGraw-Hill
Companies, Inc., or its successor in interest.

        Stated Principal  Balance:  With respect to any Mortgage Loan or related
REO Property,  at any given time, (i) the Cut-off Date Principal  Balance of the
Mortgage  Loan,  minus (ii) the sum of (a) the principal  portion of the Monthly
Payments due with respect to such Mortgage Loan or REO Property  during each Due
Period ending prior to the most recent  Distribution Date which were received or
with  respect to which an Advance was made,  and (b) all  Principal  Prepayments
with respect to such Mortgage Loan or REO Property,  and all Insurance Proceeds,
Liquidation  Proceeds  and REO  Proceeds,  to the  extent  applied by the Master
Servicer as recoveries of principal in accordance with Section 3.14 with respect
to such  Mortgage  Loan or REO  Property,  in each case which  were  distributed
pursuant to Section 4.02 on any previous Distribution Date, and (c) any Realized
Loss  allocated  to  Certificateholders  with  respect  thereto for any previous
Distribution Date.

        Subclass:  With  respect  to the Class A-V  Certificates,  any  Subclass
thereof issued pursuant to Section 5.01(c). Any such Subclass will represent the
Uncertificated  Class A-V REMIC Regular  Interest or Interests  specified by the
initial Holder of the Class A-V Certificates pursuant to Section 5.01(c).

                                       27
<PAGE>

        Subordinate Certificate:  Any one of the Class M Certificates or Class B
Certificates,  executed  by the  Trustee and  authenticated  by the  Certificate
Registrar  substantially  in the form annexed hereto as Exhibit B and Exhibit C,
respectively.

        Subordinate Class Percentage:  With respect to any Distribution Date and
any Class of Subordinate  Certificates,  a fraction,  expressed as a percentage,
the numerator of which is the aggregate  Certificate  Principal  Balance of such
Class  of  Subordinate  Certificates  immediately  prior  to such  date  and the
denominator  of which is the aggregate  Stated  Principal  Balance of all of the
Mortgage  Loans (or related  REO  Properties)  (other than the related  Discount
Fraction of each Discount  Mortgage Loan) immediately prior to such Distribution
Date.

        Subordinate Percentage: As of any Distribution Date and, with respect to
any Mortgage  Pool  comprised of two or more Loan Groups,  any Loan Group,  100%
minus the related Senior Percentage as of such Distribution Date.

        Subsequent Recoveries:  As of any Distribution Date, amounts received by
the Master  Servicer  (net of any related  expenses  permitted to be  reimbursed
pursuant  to Section  3.10) or surplus  amounts  held by the Master  Servicer to
cover estimated expenses  (including,  but not limited to, recoveries in respect
of the representations and warranties made by the related Seller pursuant to the
applicable  Seller's  Agreement and assigned to the Trustee  pursuant to Section
2.04)  specifically  related to a Mortgage  Loan that was the  subject of a Cash
Liquidation or an REO Disposition  prior to the related  Prepayment  Period that
resulted in a Realized Loss.

     Subserviced Mortgage Loan: Any Mortgage Loan that, at the time of reference
thereto, is subject to a Subservicing Agreement.

        Subservicer: Any Person with whom the Master Servicer has entered into a
Subservicing Agreement and who generally satisfied the requirements set forth in
the Program Guide in respect of the  qualification  of a  Subservicer  as of the
date of its approval as a Subservicer by the Master Servicer.

        Subservicer  Advance:  Any  delinquent   installment  of  principal  and
interest on a Mortgage Loan which is advanced by the related Subservicer (net of
its Subservicing Fee) pursuant to the Subservicing Agreement.

     Subservicing Account: An account established by a Subservicer in accordance
with Section 3.08.

        Subservicing Agreement: The written contract between the Master Servicer
and any Subservicer relating to servicing and administration of certain Mortgage
Loans as  provided  in  Section  3.02,  generally  in the  form of the  servicer
contract  referred to or contained in the Program Guide or in such other form as
has been  approved  by the Master  Servicer  and the  Company.  With  respect to
Additional  Collateral  Loans  subserviced by MLCC, the  Subservicing  Agreement
shall also include the Addendum and  Assignment  Agreement and the Pledged Asset
Mortgage Servicing Agreement. With respect to any Pledged Asset Loan subserviced
by GMAC Mortgage Corporation, the Addendum and Assignment Agreement, dated as of
November 24, 1998, between the Master Servicer and GMAC Mortgage Corporation, as
such agreement may be amended from time to time.

                                       28
<PAGE>

        Subservicing  Fee: As to any Mortgage Loan,  the fee payable  monthly to
the related  Subservicer (or, in the case of a Nonsubserviced  Mortgage Loan, to
the Master  Servicer) in respect of  subservicing  and other  compensation  that
accrues at an annual rate equal to the excess of the Mortgage  Rate borne by the
related  Mortgage  Note over the rate per annum  designated on the Mortgage Loan
Schedule as the "CURR NET" for such Mortgage Loan.

     Surety:  Ambac, or its successors in interest,  or such other surety as may
be identified in the Series Supplement.

        Surety Bond:  The Limited  Purpose  Surety Bond  (Policy No.  AB0039BE),
dated February 28, 1996 in respect to Mortgage Loans  originated by MLCC, or the
Surety Bond (Policy No.  AB0240BE),  dated March 17, 1999 in respect to Mortgage
Loans  originated by Novus Financial  Corporation,  in each case issued by Ambac
for the benefit of certain beneficiaries,  including the Trustee for the benefit
of the Holders of the Certificates, but only to the extent that such Surety Bond
covers any  Additional  Collateral  Loans,  or such other  Surety Bond as may be
identified in the Series Supplement.

        Tax Returns:  The federal income tax return on Internal  Revenue Service
Form 1066,  U.S.  Real Estate  Mortgage  Investment  Conduit  Income Tax Return,
including  Schedule Q thereto,  Quarterly Notice to Residual Interest Holders of
REMIC Taxable Income or Net Loss Allocation, or any successor forms, to be filed
on behalf of any REMIC  formed under the Series  Supplement  and under the REMIC
Provisions, together with any and all other information, reports or returns that
may be  required to be  furnished  to the  Certificateholders  or filed with the
Internal  Revenue Service or any other  governmental  taxing authority under any
applicable provisions of federal, state or local tax laws.

     Transfer: Any direct or indirect transfer,  sale, pledge,  hypothecation or
other form of assignment of any Ownership Interest in a Certificate.

     Transferee:  Any Person who is acquiring by Transfer any Ownership Interest
in a Certificate.

     Transferor:  Any Person  who is  disposing  by  Transfer  of any  Ownership
Interest in a Certificate.

        Trust Fund:  The  segregated  pool of assets  related to a Series,  with
respect to which one or more REMIC  elections  are to be made  pursuant  to this
Agreement, consisting of:

(i)  the Mortgage Loans and the related  Mortgage Files and collateral  securing
     such Mortgage Loans,

(ii)    all payments on and  collections  in respect of the  Mortgage  Loans due
        after the Cut-off Date as shall be on deposit in the  Custodial  Account
        or in the  Certificate  Account and identified as belonging to the Trust
        Fund,   including  the  proceeds  from  the  liquidation  of  Additional
        Collateral for any Additional  Collateral Loan or Pledged Assets for any
        Pledged Asset Loan, but not including  amounts on deposit in the Initial
        Monthly Payment Fund,

                                       29
<PAGE>

(iii)   property that secured a Mortgage Loan and that has been acquired for the
        benefit  of the  Certificateholders  by  foreclosure  or deed in lieu of
        foreclosure,

(iv)    the hazard insurance  policies and Primary Insurance  Policies,  if any,
        the Pledged  Assets with  respect to each  Pledged  Asset Loan,  and the
        interest  in the Surety  Bond  transferred  to the  Trustee  pursuant to
        Section 2.01, and

(v)     all proceeds of clauses (i) through (iv) above.

        Uniform Single  Attestation  Program for Mortgage  Bankers:  The Uniform
Single  Attestation  Program for Mortgage Bankers,  as published by the Mortgage
Bankers  Association  of America and  effective  with respect to fiscal  periods
ending on or after December 15, 1995.

        Uninsured  Cause:  Any cause of damage to property subject to a Mortgage
such that the complete restoration of such property is not fully reimbursable by
the hazard insurance policies.

        United  States Person or U.S.  Person:  (i) A citizen or resident of the
United  States,  (ii) a  corporation,  partnership  or other entity treated as a
corporation  or  partnership  for United  States  federal  income  tax  purposes
organized in or under the laws of the United  States or any state thereof or the
District of Columbia (unless, in the case of a partnership, Treasury regulations
provide  otherwise),  provided that, for purposes solely of the  restrictions on
the transfer of residual interests,  no partnership or other entity treated as a
partnership  for United States federal income tax purposes shall be treated as a
United States  Person or U.S.  Person unless all persons that own an interest in
such partnership  either directly or indirectly through any chain of entities no
one of which is a corporation  for United States federal income tax purposes are
required by the  applicable  operating  agreement to be United  States  Persons,
(iii) an estate the  income of which is  includible  in gross  income for United
States tax purposes, regardless of its source, or (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 persons have authority
to control all substantial decisions of the trust. Notwithstanding the preceding
sentence,  to the extent  provided in Treasury  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 treated as United States persons will also be
a U.S. Person.

     Voting Rights:  The portion of the voting rights of all of the Certificates
which is allocated  to any  Certificate,  and more  specifically  designated  in
Article XI of the Series Supplement.

Section 1.02.  Use of Words and Phrases.

        "Herein," "hereby," "hereunder," `hereof," "hereinbefore," "hereinafter"
and other  equivalent  words refer to the Pooling and  Servicing  Agreement as a
whole. All references herein to Articles, Sections or Subsections shall mean the
corresponding  Articles,  Sections and  Subsections in the Pooling and Servicing
Agreement.  The  definition  set forth herein  include both the singular and the
plural.

                                       30
<PAGE>

                                   ARTICLE II

                          CONVEYANCE OF MORTGAGE LOANS;

                        ORIGINAL ISSUANCE OF CERTIFICATES

Section 2.01.  Conveyance of Mortgage Loans.

(a) The Company,  concurrently  with the  execution  and delivery  hereof,  does
hereby assign to the Trustee without recourse all the right,  title and interest
of the  Company  in and  to the  Mortgage  Loans,  including  all  interest  and
principal  received on or with respect to the  Mortgage  Loans after the Cut-off
Date (other than payments of principal and interest due on the Mortgage Loans on
or before the Cut-off Date).  In connection  with such transfer and  assignment,
the Company  does  hereby  deliver to the  Trustee  the  Certificate  Policy (as
defined in the Series Supplement), if any.

(b) In connection with such  assignment,  except as set forth in Section 2.01(c)
and subject to Section  2.01(d)  below,  the Company does hereby deliver to, and
deposit with, the Trustee,  or to and with one or more  Custodians,  as the duly
appointed  agent or  agents  of the  Trustee  for such  purpose,  the  following
documents or  instruments  (or copies  thereof as permitted by this Section) (I)
with respect to each Mortgage Loan so assigned (other than a Cooperative Loan):

(i)     The original  Mortgage Note,  endorsed  without recourse to the order of
        the  Trustee,  and showing an unbroken  chain of  endorsements  from the
        originator  thereof to the Person  endorsing it to the Trustee,  or with
        respect to any Destroyed  Mortgage Note, an original lost note affidavit
        from the related Seller or Residential Funding stating that the original
        Mortgage Note was lost, misplaced or destroyed,  together with a copy of
        the related Mortgage Note;

(ii)    The  original  Mortgage,  noting the presence of the MIN of the Mortgage
        Loan and language indicating that the Mortgage Loan is a MOM Loan if the
        Mortgage  Loan is a MOM  Loan,  with  evidence  of  recording  indicated
        thereon or a copy of the Mortgage with  evidence of recording  indicated
        thereon;

(iii)   Unless  the  Mortgage  Loan is  registered  on the  MERS(R)  System,  an
        original  Assignment  of the  Mortgage to the Trustee  with  evidence of
        recording  indicated  thereon or a copy of such assignment with evidence
        of recording indicated thereon;

(iv)    The original recorded  assignment or assignments of the Mortgage showing
        an  unbroken  chain of title from the  originator  thereof to the Person
        assigning  it to the  Trustee  (or to  MERS,  if the  Mortgage  Loan  is
        registered on the MERS(R)  System and noting the presence of a MIN) with
        evidence of recordation noted thereon or attached thereto,  or a copy of
        such  assignment  or  assignments  of  the  Mortgage  with  evidence  of
        recording indicated thereon; and

(v)     The  original of each  modification,  assumption  agreement or preferred
        loan agreement, if any, relating to such Mortgage Loan or a copy of each
        modification, assumption agreement or preferred loan agreement.

                                       31
<PAGE>

        and (II) with respect to each Cooperative Loan so assigned:

(i)     The original  Mortgage Note,  endorsed  without recourse to the order of
        the  Trustee  and showing an  unbroken  chain of  endorsements  from the
        originator  thereof to the Person  endorsing it to the Trustee,  or with
        respect to any Destroyed  Mortgage Note, an original lost note affidavit
        from the related Seller or Residential Funding stating that the original
        Mortgage Note was lost, misplaced or destroyed,  together with a copy of
        the related Mortgage Note;

(ii)    A counterpart of the Cooperative Lease and the Assignment of Proprietary
        Lease  to  the  originator  of the  Cooperative  Loan  with  intervening
        assignments  showing an unbroken chain of title from such  originator to
        the Trustee;

(iii)   The related  Cooperative  Stock  Certificate,  representing  the related
        Cooperative  Stock  pledged  with  respect  to  such  Cooperative  Loan,
        together  with an  undated  stock  power (or other  similar  instrument)
        executed in blank;

(iv) The original  recognition  agreement by the Cooperative of the interests of
     the mortgagee with respect to the related Cooperative Loan;

(v)     The Security Agreement;

(vi)    Copies of the original UCC-1 financing  statement,  and any continuation
        statements,  filed by the originator of such Cooperative Loan as secured
        party, each with evidence of recording thereof,  evidencing the interest
        of the  originator  under the Security  Agreement and the  Assignment of
        Proprietary Lease;

(vii)   Copies  of  the  filed  UCC-3   assignments  of  the  security  interest
        referenced in clause (vi) above showing an unbroken  chain of title from
        the originator to the Trustee,  each with evidence of recording thereof,
        evidencing the interest of the originator  under the Security  Agreement
        and the Assignment of Proprietary Lease;

(viii)  An executed assignment of the interest of the originator in the Security
        Agreement, Assignment of Proprietary Lease and the recognition agreement
        referenced in clause (iv) above, showing an unbroken chain of title from
        the originator to the Trustee;

(ix)    The  original of each  modification,  assumption  agreement or preferred
        loan agreement, if any, relating to such Cooperative Loan; and

(x)     A duly completed UCC-1 financing  statement  showing the Master Servicer
        as debtor,  the Company as secured party and the Trustee as assignee and
        a duly completed UCC-1 financing statement showing the Company as debtor
        and the Trustee as secured party,  each in a form sufficient for filing,
        evidencing the interest of such debtors in the Cooperative Loans.

(c) The Company may, in lieu of  delivering  the original of the  documents  set
forth in Section  2.01(b)(I)(ii),  (iii), (iv) and (v) and Section  (b)(II)(ii),

                                       32
<PAGE>

(iv), (vii), (ix) and (x) (or copies thereof as permitted by Section 2.01(b)) to
the Trustee or the Custodian or Custodians, deliver such documents to the Master
Servicer, and the Master Servicer shall hold such documents in trust for the use
and benefit of all present and future  Certificateholders  until such time as is
set forth in the next  sentence.  Within  thirty  Business  Days  following  the
earlier  of (i)  the  receipt  of the  original  of  all  of  the  documents  or
instruments set forth in Section 2.01(b)(I)(ii), (iii), (iv) and (v) and Section
(b)(II)(ii),  (iv),  (vii), (ix) and (x) (or copies thereof as permitted by such
Section)  for any  Mortgage  Loan and (ii) a written  request by the  Trustee to
deliver those  documents  with respect to any or all of the Mortgage  Loans then
being held by the Master Servicer,  the Master Servicer shall deliver a complete
set of such documents to the Trustee or the Custodian or Custodians that are the
duly appointed agent or agents of the Trustee.

(d)  Notwithstanding  the provisions of Section 2.01(c),  in connection with any
Mortgage Loan, if the Company  cannot deliver the original of the Mortgage,  any
assignment,  modification,  assumption agreement or preferred loan agreement (or
copy thereof as permitted by Section 2.01(b)) with evidence of recording thereon
concurrently  with the execution and delivery of this Agreement because of (i) a
delay caused by the public  recording  office where such  Mortgage,  assignment,
modification,  assumption  agreement or preferred loan agreement as the case may
be,  has been  delivered  for  recordation,  or (ii) a delay in the  receipt  of
certain information  necessary to prepare the related  assignments,  the Company
shall  deliver  or  cause  to be  delivered  to the  Trustee  or the  respective
Custodian  a  copy  of  such  Mortgage,  assignment,  modification,   assumption
agreement or preferred loan agreement.

        The Company  shall  promptly  cause to be  recorded  in the  appropriate
public office for real  property  records the  Assignment  referred to in clause
(I)(iii)  of Section  2.01(b),  except (a) in states  where,  in the  opinion of
counsel acceptable to the Trustee and the Master Servicer, such recording is not
required to protect the  Trustee's  interests in the  Mortgage  Loan against the
claim of any  subsequent  transferee  or any  successor  to or  creditor  of the
Company or the  originator of such Mortgage Loan or (b) if MERS is identified on
the  Mortgage  or on a  properly  recorded  assignment  of the  Mortgage  as the
mortgagee  of record  solely as nominee  for the Seller and its  successors  and
assigns,  and shall  promptly  cause to be filed the Form UCC-3  assignment  and
UCC-1 financing statement referred to in clause (II)(vii) and (x), respectively,
of Section 2.01(b). If any Assignment,  Form UCC-3 or Form UCC-1, as applicable,
is lost or returned unrecorded to the Company because of any defect therein, the
Company  shall  prepare a substitute  Assignment,  Form UCC-3 or Form UCC-1,  as
applicable,  or cure such defect,  as the case may be, and cause such Assignment
to be recorded in accordance  with this  paragraph.  The Company shall  promptly
deliver or cause to be delivered to the Trustee or the respective Custodian such
Mortgage or  Assignment  or Form UCC-3 or Form UCC-1,  as  applicable,  (or copy
thereof as permitted by Section  2.01(b)) with  evidence of recording  indicated
thereon  at the time  specified  in  Section  2.01(c).  In  connection  with its
servicing of Cooperative Loans, the Master Servicer will use its best efforts to
file timely continuation  statements with regard to each financing statement and
assignment  relating to  Cooperative  Loans as to which the related  Cooperative
Apartment is located outside of the State of New York.

        If the Company delivers to the Trustee or Custodian any Mortgage Note or
Assignment of Mortgage in blank, the Company shall, or shall cause the Custodian
to, complete the endorsement of the Mortgage Note and the Assignment of Mortgage
in the name of the Trustee in conjunction with the Interim  Certification issued
by the Custodian, as contemplated by Section 2.02.

                                       33
<PAGE>

        Any of the items set forth in Sections  2.01(b)(I)(ii),  (iii), (iv) and
(v) and  (II)(vi)  and (vii) and that may be delivered as a copy rather than the
original may be delivered to the Trustee or the Custodian.

        In connection with the assignment of any Mortgage Loan registered on the
MERS(R) System,  the Company further agrees that it will cause, at the Company's
own expense,  within 30 Business Days after the Closing Date, the MERS(R) System
to indicate  that such  Mortgage  Loans have been assigned by the Company to the
Trustee   in   accordance   with  this   Agreement   for  the   benefit  of  the
Certificateholders  by including  (or  deleting,  in the case of Mortgage  Loans
which are  repurchased in accordance with this Agreement) in such computer files
(a) the code in the field which identifies the specific Trustee and (b) the code
in the field "Pool Field" which identifies the series of the Certificates issued
in connection with such Mortgage Loans.  The Company further agrees that it will
not, and will not permit the Master  Servicer to, and the Master Servicer agrees
that it will not,  alter the codes  referenced in this paragraph with respect to
any  Mortgage  Loan  during  the term of this  Agreement  unless  and until such
Mortgage Loan is repurchased in accordance with the terms of this Agreement.

(e) Residential  Funding hereby assigns to the Trustee its security  interest in
and to any Additional Collateral or Pledged Assets, its right to receive amounts
due or to become due in respect of any  Additional  Collateral or Pledged Assets
pursuant to the related  Subservicing  Agreement  and its rights as  beneficiary
under the Surety  Bond in  respect  of any  Additional  Collateral  Loans.  With
respect to any  Additional  Collateral  Loan or Pledged Asset Loan,  Residential
Funding  shall  cause to be filed in the  appropriate  recording  office a UCC-3
statement  giving notice of the assignment of the related  security  interest to
the Trust Fund and shall  thereafter  cause the timely  filing of all  necessary
continuation statements with regard to such financing statements.

(f) It is  intended  that the  conveyance  by the  Company to the Trustee of the
Mortgage  Loans as provided for in this  Section 2.01 be and the  Uncertificated
REMIC Regular Interests,  if any (as provided for in Section 2.06), be construed
as a  sale  by the  Company  to  the  Trustee  of the  Mortgage  Loans  and  any
Uncertificated    REMIC    Regular    Interests   for   the   benefit   of   the
Certificateholders.  Further,  it is not intended that such conveyance be deemed
to be a pledge  of the  Mortgage  Loans  and any  Uncertificated  REMIC  Regular
Interests by the Company to the Trustee to secure a debt or other  obligation of
the Company.  Nonetheless,  (a) this Agreement is intended to be and hereby is a
security  agreement  within  the  meaning  of  Articles  8 and 9 of the New York
Uniform  Commercial Code and the Uniform Commercial Code of any other applicable
jurisdiction; (b) the conveyance provided for in Section 2.01 shall be deemed to
be,  and hereby  is,  (1) a grant by the  Company  to the  Trustee of a security
interest in all of the  Company's  right  (including  the power to convey  title
thereto), title and interest, whether now owned or hereafter acquired, in and to
any and all general intangibles,  payment intangibles,  accounts, chattel paper,
instruments, documents, money, deposit accounts, certificates of deposit, goods,
letters of credit,  advices of credit and investment property and other property
of whatever kind or description  now existing or hereafter  acquired  consisting
of,  arising from or relating to any of the following:  (A) the Mortgage  Loans,
including (i) with respect to each Cooperative  Loan, the related Mortgage Note,
Security   Agreement,   Assignment  of  Proprietary  Lease,   Cooperative  Stock
Certificate and Cooperative Lease, (ii) with respect to each Mortgage Loan other

                                       34
<PAGE>

than a Cooperative  Loan, the related Mortgage Note and Mortgage,  and (iii) any
insurance policies and all other documents in the related Mortgage File, (B) all
amounts  payable  pursuant to the Mortgage  Loans in  accordance  with the terms
thereof,  (C) any Uncertificated REMIC Regular Interests and (D) all proceeds of
the  conversion,   voluntary  or  involuntary,   of  the  foregoing  into  cash,
instruments,  securities or other  property,  including  without  limitation all
amounts  from time to time held or  invested in the  Certificate  Account or the
Custodial Account, whether in the form of cash, instruments, securities or other
property  and (2) an  assignment  by the Company to the Trustee of any  security
interest in any and all of Residential  Funding's right  (including the power to
convey  title  thereto),  title and  interest,  whether  now owned or  hereafter
acquired, in and to the property described in the foregoing clauses (1)(A), (B),
(C) and (D)  granted by  Residential  Funding  to the  Company  pursuant  to the
Assignment  Agreement;  (c) the possession by the Trustee,  the Custodian or any
other agent of the Trustee of Mortgage  Notes or such other items of property as
constitute instruments, money, payment intangibles, negotiable documents, goods,
deposit accounts,  letters of credit,  advices of credit,  investment  property,
certificated  securities or chattel paper shall be deemed to be  "possession  by
the secured party," or possession by a purchaser or a person  designated by such
secured party, for purposes of perfecting the security  interest pursuant to the
Minnesota Uniform  Commercial Code and the Uniform  Commercial Code of any other
applicable  jurisdiction as in effect (including,  without limitation,  Sections
8-106,  9-313 and 9-106 thereof);  and (d) notifications to persons holding such
property,  and  acknowledgments,  receipts or confirmations from persons holding
such property, shall be deemed notifications to, or acknowledgments, receipts or
confirmations from, securities intermediaries,  bailees or agents of, or persons
holding for (as  applicable)  the Trustee  for the  purpose of  perfecting  such
security interest under applicable law.

        The Company and, at the Company's direction, Residential Funding and the
Trustee  shall,  to  the  extent  consistent  with  this  Agreement,  take  such
reasonable  actions as may be necessary to ensure that, if this  Agreement  were
determined  to  create  a  security   interest  in  the  Mortgage   Loans,   any
Uncertificated  REMIC Regular Interests and the other property  described above,
such security  interest would be determined to be a perfected  security interest
of first priority under applicable law and will be maintained as such throughout
the term of this  Agreement.  Without  limiting the generality of the foregoing,
the Company shall prepare and deliver to the Trustee not less than 15 days prior
to any filing date and, the Trustee shall forward for filing,  or shall cause to
be forwarded for filing, at the expense of the Company, all filings necessary to
maintain the  effectiveness of any original filings  necessary under the Uniform
Commercial  Code as in effect  in any  jurisdiction  to  perfect  the  Trustee's
security interest in or lien on the Mortgage Loans and any Uncertificated  REMIC
Regular  Interests,  as evidenced by an  Officers'  Certificate  of the Company,
including  without  limitation (x) continuation  statements,  and (y) such other
statements  as may be  occasioned  by (1) any  change  of  name  of  Residential
Funding, the Company or the Trustee (such preparation and filing shall be at the
expense of the Trustee,  if occasioned by a change in the Trustee's  name),  (2)
any change of location of the place of business or the chief executive office of
Residential  Funding  or the  Company,  (3)  any  transfer  of any  interest  of
Residential  Funding or the Company in any Mortgage  Loan or (4) any transfer of
any interest of Residential  Funding or the Company in any Uncertificated  REMIC
Regular Interest.

                                       35
<PAGE>

(g) The Master  Servicer  hereby  acknowledges  the receipt by it of the Initial
Monthly  Payment  Fund.  The Master  Servicer  shall hold such  Initial  Monthly
Payment Fund in the  Custodial  Account and shall  include such Initial  Monthly
Payment Fund in the Available  Distribution Amount for the initial  Distribution
Date.  Notwithstanding  anything  herein to the  contrary,  the Initial  Monthly
Payment Fund shall not be an asset of any REMIC.  To the extent that the Initial
Monthly Payment Fund constitutes a reserve fund for federal income tax purposes,
(1) it shall be an outside  reserve  fund and not an asset of any REMIC,  (2) it
shall be owned by the Seller  and (3)  amounts  transferred  by any REMIC to the
Initial  Monthly  Payment Fund shall be treated as  transferred to the Seller or
any  successor,  all within the meaning of Section  1.860G-2(h)  of the Treasury
Regulations.

(h) The Company agrees that the sale of each Pledged Asset Loan pursuant to this
Agreement will also constitute the assignment, sale, setting-over,  transfer and
conveyance  to the  Trustee,  without  recourse  (but  subject to the  Company's
covenants,  representations and warranties specifically provided herein), of all
of the Company's  obligations and all of the Company's right, title and interest
in, to and under,  whether now  existing or  hereafter  acquired as owner of the
Mortgage  Loan  with  respect  to  any  and  all  money,  securities,   security
entitlements,  accounts, general intangibles, payment intangibles,  instruments,
documents, deposit accounts, certificates of deposit, commodities contracts, and
other  investment  property and other  property of whatever kind or  description
consisting of, arising from or related to (i) the Assigned  Contracts,  (ii) all
rights,  powers and remedies of the Company as owner of such Mortgage Loan under
or in connection with the Assigned Contracts, whether arising under the terms of
such Assigned  Contracts,  by statute, at law or in equity, or otherwise arising
out of any default by the  Mortgagor  under or in  connection  with the Assigned
Contracts,  including  all rights to exercise  any election or option or to make
any  decision  or  determination  or to give or  receive  any  notice,  consent,
approval  or  waiver  thereunder,  (iii)  the  Pledged  Amounts  and all  money,
securities,  security  entitlements,   accounts,  general  intangibles,  payment
intangibles,  instruments, documents, deposit accounts, certificates of deposit,
commodities  contracts,  and other  investment  property  and other  property of
whatever  kind or  description  and all cash and non-cash  proceeds of the sale,
exchange,  or  redemption  of,  and all stock or  conversion  rights,  rights to
subscribe,  liquidation  dividends or preferences,  stock  dividends,  rights to
interest, dividends, earnings, income, rents, issues, profits, interest payments
or other  distributions  of cash or other  property that secures a Pledged Asset
Loan, (iv) all documents,  books and records concerning the foregoing (including
all  computer  programs,  tapes,  disks and related  items  containing  any such
information) and (v) all insurance proceeds (including proceeds from the Federal
Deposit Insurance Corporation or the Securities Investor Protection  Corporation
or any other insurance company) of any of the foregoing or replacements  thereof
or substitutions therefor, proceeds of proceeds and the conversion, voluntary or
involuntary,  of any thereof.  The  foregoing  transfer,  sale,  assignment  and
conveyance does not constitute and is not intended to result in the creation, or
an assumption  by the Trustee,  of any  obligation of the Company,  or any other
person  in  connection  with the  Pledged  Assets  or  under  any  agreement  or
instrument  relating thereto,  including any obligation to the Mortgagor,  other
than as owner of the Mortgage Loan.

Section 2.02.  Acceptance by Trustee.
               ---------------------

        The Trustee  acknowledges  receipt (or,  with respect to Mortgage  Loans
subject  to  a  Custodial  Agreement,   and  based  solely  upon  a  receipt  or
certification executed by the Custodian,  receipt by the respective Custodian as

                                       36
<PAGE>

the duly appointed agent of the Trustee) of the documents referred to in Section
2.01(b)(i)  above  (except  that for  purposes of such  acknowledgement  only, a
Mortgage  Note may be endorsed in blank) and declares that it, or a Custodian as
its  agent,  holds  and  will  hold  such  documents  and  the  other  documents
constituting a part of the Mortgage Files delivered to it, or a Custodian as its
agent, and the rights of Residential Funding with respect to any Pledged Assets,
Additional  Collateral  and the Surety Bond assigned to the Trustee  pursuant to
Section  2.01,  in trust  for the use and  benefit  of all  present  and  future
Certificateholders.  The Trustee or Custodian (such Custodian being so obligated
under a Custodial Agreement) agrees, for the benefit of  Certificateholders,  to
review each Mortgage File delivered to it pursuant to Section  2.01(b) within 45
days  after  the  Closing  Date  to  ascertain   that  all  required   documents
(specifically as set forth in Section 2.01(b)), have been executed and received,
and that such documents  relate to the Mortgage Loans identified on the Mortgage
Loan Schedule, as supplemented, that have been conveyed to it, and to deliver to
the Trustee a certificate (the "Interim  Certification")  to the effect that all
documents  required to be delivered  pursuant to Section 2.01(b) above have been
executed  and  received and that such  documents  relate to the  Mortgage  Loans
identified on the Mortgage Loan Schedule,  except for any  exceptions  listed on
Schedule A attached to such Interim Certification. Upon delivery of the Mortgage
Files by the  Company or the Master  Servicer,  the  Trustee  shall  acknowledge
receipt (or, with respect to Mortgage  Loans  subject to a Custodial  Agreement,
and based  solely upon a receipt or  certification  executed  by the  Custodian,
receipt by the respective  Custodian as the duly appointed agent of the Trustee)
of the documents referred to in Section 2.01(c) above.

        If  the  Custodian,  as the  Trustee's  agent,  finds  any  document  or
documents constituting a part of a Mortgage File to be missing or defective, the
Trustee shall promptly so notify the Master  Servicer and the Company.  Pursuant
to Section 2.3 of the Custodial Agreement,  the Custodian will notify the Master
Servicer, the Company and the Trustee of any such omission or defect found by it
in respect of any Mortgage  File held by it in respect of the items  reviewed by
it pursuant to the Custodial  Agreement.  If such omission or defect  materially
and  adversely  affects  the  interests  of the  Certificateholders,  the Master
Servicer  shall  promptly  notify  the  related  Subservicer  or  Seller of such
omission or defect and request that such  Subservicer  or Seller correct or cure
such  omission or defect  within 60 days from the date the Master  Servicer  was
notified of such omission or defect and, if such  Subservicer or Seller does not
correct  or  cure  such  omission  or  defect  within  such  period,  that  such
Subservicer  or Seller  purchase  such  Mortgage Loan from the Trust Fund at its
Purchase  Price, in either case within 90 days from the date the Master Servicer
was notified of such omission or defect; provided that if the omission or defect
would cause the Mortgage Loan to be other than a "qualified mortgage" as defined
in Section 860G(a)(3) of the Code, any such cure or repurchase must occur within
90 days from the date such breach was  discovered.  The  Purchase  Price for any
such Mortgage Loan, whether purchased by the Seller or the Subservicer, shall be
deposited  or caused to be  deposited  by the Master  Servicer in the  Custodial
Account  maintained  by it pursuant  to Section  3.07 and,  upon  receipt by the
Trustee of written  notification of such deposit signed by a Servicing  Officer,
the Trustee or any  Custodian,  as the case may be, shall  release to the Master
Servicer the related  Mortgage  File and the Trustee  shall  execute and deliver
such instruments of transfer or assignment  prepared by the Master Servicer,  in
each case without  recourse,  as shall be necessary to vest in the Seller or its
designee or the  Subservicer  or its designee,  as the case may be, any Mortgage
Loan released  pursuant  hereto and  thereafter  such Mortgage Loan shall not be
part of the Trust Fund. In furtherance of the foregoing,  if the  Subservicer or
Seller  that  repurchases  the  Mortgage  Loan is not a  member  of MERS and the

                                       37
<PAGE>

Mortgage is registered on the MERS(R) System,  the Master  Servicer,  at its own
expense and without any right of reimbursement,  shall cause MERS to execute and
deliver an  assignment  of the  Mortgage  in  recordable  form to  transfer  the
Mortgage from MERS to such  Subservicer  or Seller and shall cause such Mortgage
to be removed from  registration  on the MERS(R) System in accordance with MERS'
rules and  regulations.  It is understood  and agreed that the obligation of the
Seller  or the  Subservicer,  as the case  may be,  to so cure or  purchase  any
Mortgage  Loan as to which a material  and  adverse  defect in or  omission of a
constituent  document  exists shall  constitute the sole remedy  respecting such
defect or omission available to  Certificateholders  or the Trustee on behalf of
the Certificateholders.

Section 2.03.  Representations, Warranties and Covenants
                      of the Master Servicer and the Company.

(a) The Master  Servicer  hereby  represents and warrants to the Trustee for the
benefit of the Certificateholders that:

(i)     The Master Servicer is a corporation  duly organized,  validly  existing
        and in good standing under the laws governing its creation and existence
        and is or will be in compliance with the laws of each state in which any
        Mortgaged  Property  is located to the  extent  necessary  to ensure the
        enforceability  of each Mortgage  Loan in  accordance  with the terms of
        this Agreement;

(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
        violate the Master Servicer's  Certificate of Incorporation or Bylaws or
        constitute a material  default (or an event which,  with notice or lapse
        of time, or both, would constitute a material  default) under, or result
        in the  material  breach of, any material  contract,  agreement or other
        instrument  to which  the  Master  Servicer  is a party or which  may be
        applicable to the Master Servicer or any of its assets;

(iii)   This Agreement,  assuming due  authorization,  execution and delivery by
        the  Trustee and the  Company,  constitutes  a valid,  legal and binding
        obligation of the Master Servicer,  enforceable against it in accordance
        with the terms  hereof  subject to  applicable  bankruptcy,  insolvency,
        reorganization,  moratorium and other laws affecting the  enforcement of
        creditors'  rights  generally  and  to  general  principles  of  equity,
        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,  regulation  or demand of any federal,
        state,  municipal  or  governmental  agency,  which  default  might have
        consequences  that would  materially and adversely  affect the condition
        (financial  or  other)  or  operations  of the  Master  Servicer  or its
        properties or might have  consequences  that would materially  adversely
        affect its performance hereunder;

                                       38
<PAGE>

(v)     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;

(vi)    The  Master  Servicer  will  comply  in  all  material  respects  in the
        performance of this Agreement with all reasonable rules and requirements
        of each insurer under each Required Insurance Policy;

(vii)   No  information,  certificate  of an  officer,  statement  furnished  in
        writing or report delivered to the Company, any Affiliate of the Company
        or the Trustee by the Master  Servicer  will,  to the  knowledge  of the
        Master Servicer, contain any untrue statement of a material fact or omit
        a  material  fact  necessary  to  make  the  information,   certificate,
        statement or report not misleading;

(viii)  The Master  Servicer has examined each  existing,  and will examine each
        new,  Subservicing  Agreement  and is or will be familiar with the terms
        thereof.  The terms of each  existing  Subservicing  Agreement  and each
        designated Subservicer are acceptable to the Master Servicer and any new
        Subservicing Agreements will comply with the provisions of Section 3.02;
        and

(ix)    The  Master  Servicer  is a member  of MERS in good  standing,  and will
        comply in all material respects with the rules and procedures of MERS in
        connection  with the servicing of the Mortgage Loans that are registered
        with MERS.

It is understood and agreed that the representations and warranties set forth in
this Section 2.03(a) shall survive delivery of the respective  Mortgage Files to
the Trustee or any Custodian.

        Upon discovery by either the Company,  the Master Servicer,  the Trustee
or any Custodian of a breach of any representation or warranty set forth in this
Section  2.03(a) which  materially  and  adversely  affects the interests of the
Certificateholders in any Mortgage Loan, the party discovering such breach shall
give  prompt  written  notice  to the  other  parties  (any  Custodian  being so
obligated under a Custodial  Agreement).  Within 90 days of its discovery or its
receipt of notice of such breach, the Master Servicer shall either (i) cure such
breach in all  material  respects or (ii) to the extent that such breach is with
respect to a Mortgage  Loan or a related  document,  purchase such Mortgage Loan
from the Trust Fund at the Purchase Price and in the manner set forth in Section
2.02;  provided  that if the omission or defect would cause the Mortgage Loan to
be other than a  "qualified  mortgage" as defined in Section  860G(a)(3)  of the
Code,  any such cure or repurchase  must occur within 90 days from the date such
breach was discovered. The obligation of the Master Servicer to cure such breach
or to so purchase such Mortgage Loan shall constitute the sole remedy in respect
of a breach of a  representation  and warranty set forth in this Section 2.03(a)
available   to  the   Certificateholders   or  the  Trustee  on  behalf  of  the
Certificateholders.

(b)  Representations and warranties relating to the Mortgage Loans are set forth
in Section 2.03(b) of the Series Supplement.

                                       39
<PAGE>

Section 2.04.  Representations and Warranties of Sellers.

        The Company,  as assignee of  Residential  Funding under the  Assignment
Agreement,  hereby assigns to the Trustee for the benefit of  Certificateholders
all of its right, title and interest in respect of the Assignment  Agreement and
each Seller's Agreement applicable to a Mortgage Loan. Insofar as the Assignment
Agreement or the Company's  rights under such Seller's  Agreement  relate to the
representations and warranties made by Residential Funding or the related Seller
in respect of such Mortgage Loan and any remedies  provided  thereunder  for any
breach of such  representations  and warranties,  such right, title and interest
may be  enforced  by the  Master  Servicer  on  behalf  of the  Trustee  and the
Certificateholders.  Upon the discovery by the Company, the Master Servicer, the
Trustee  or  any  Custodian  of a  breach  of any  of  the  representations  and
warranties  made in a Seller's  Agreement that have been assigned to the Trustee
pursuant to this Section 2.04 or of a breach of any of the  representations  and
warranties made in the Assignment Agreement (which, for purposes hereof, will be
deemed to include any other cause giving rise to a repurchase  obligation  under
the Assignment  Agreement) in respect of any Mortgage Loan which  materially and
adversely affects the interests of the Certificateholders in such Mortgage Loan,
the party  discovering such breach shall give prompt written notice to the other
parties (any  Custodian  being so obligated  under a Custodial  Agreement).  The
Master Servicer shall promptly notify the related Seller or Residential Funding,
as the case may be, of such breach and request  that such Seller or  Residential
Funding,  as the case  may be,  either  (i) cure  such  breach  in all  material
respects  within 90 days from the date the Master  Servicer was notified of such
breach or (ii)  purchase  such Mortgage Loan from the Trust Fund at the Purchase
Price and in the manner set forth in Section 2.02;  provided that in the case of
a breach  under the  Assignment  Agreement  Residential  Funding  shall have the
option to  substitute  a Qualified  Substitute  Mortgage  Loan or Loans for such
Mortgage Loan if such substitution occurs within two years following the Closing
Date; provided that if the breach would cause the Mortgage Loan to be other than
a "qualified  mortgage" as defined in Section  860G(a)(3) of the Code,  any such
cure,  repurchase  or  substitution  must occur within 90 days from the date the
breach  was  discovered.  In  the  event  that  Residential  Funding  elects  to
substitute a Qualified  Substitute Mortgage Loan or Loans for a Deleted Mortgage
Loan  pursuant to this Section  2.04,  Residential  Funding shall deliver to the
Trustee for the benefit of the Certificateholders with respect to such Qualified
Substitute Mortgage Loan or Loans, the original Mortgage Note, the Mortgage,  an
Assignment of the Mortgage in recordable  form, if required  pursuant to Section
2.01,  and such other  documents and agreements as are required by Section 2.01,
with the Mortgage Note  endorsed as required by Section  2.01.  No  substitution
will be made in any calendar month after the Determination  Date for such month.
Monthly Payments due with respect to Qualified  Substitute Mortgage Loans in the
month of  substitution  shall not be part of the Trust Fund and will be retained
by the Master  Servicer  and  remitted  by the Master  Servicer  to  Residential
Funding on the next succeeding Distribution Date. For the month of substitution,
distributions to the Certificateholders  will include the Monthly Payment due on
a Deleted Mortgage Loan for such month and thereafter  Residential Funding shall
be entitled to retain all amounts  received in respect of such Deleted  Mortgage
Loan.  The Master  Servicer shall amend or cause to be amended the Mortgage Loan
Schedule,  and, if the Deleted  Mortgage Loan was a Discount  Mortgage Loan, the
Schedule of Discount  Fractions,  for the benefit of the  Certificateholders  to
reflect the removal of such Deleted  Mortgage Loan and the  substitution  of the
Qualified  Substitute  Mortgage  Loan or Loans  and the  Master  Servicer  shall
deliver the amended  Mortgage Loan Schedule,  and, if the Deleted  Mortgage Loan
was a Discount Mortgage Loan, the amended Schedule of Discount Fractions, to the
Trustee. Upon such substitution, the Qualified Substitute Mortgage Loan or Loans
shall be subject to the terms of this  Agreement  and the  related  Subservicing

                                       40
<PAGE>

Agreement in all respects,  the related  Seller shall be deemed to have made the
representations and warranties with respect to the Qualified Substitute Mortgage
Loan contained in the related Seller's Agreement as of the date of substitution,
insofar as Residential  Funding's rights in respect of such  representations and
warranties are assigned to the Company pursuant to the Assignment Agreement, and
the Company and the Master Servicer shall be deemed to have made with respect to
any Qualified Substitute Mortgage Loan or Loans, as of the date of substitution,
the covenants, representations and warranties set forth in this Section 2.04, in
Section 2.03 hereof and in Section 4 of the Assignment Agreement, and the Master
Servicer  shall be obligated  to  repurchase  or  substitute  for any  Qualified
Substitute  Mortgage  Loan as to which a  Repurchase  Event (as  defined  in the
Assignment  Agreement)  has  occurred  pursuant  to Section 4 of the  Assignment
Agreement.

        In connection with the substitution of one or more Qualified  Substitute
Mortgage Loans for one or more Deleted  Mortgage Loans, the Master Servicer will
determine  the amount (if any) by which the aggregate  principal  balance of all
such Qualified  Substitute Mortgage Loans as of the date of substitution is less
than the aggregate Stated  Principal  Balance of all such Deleted Mortgage Loans
(in each case after application of the principal portion of the Monthly Payments
due  in  the  month  of   substitution   that  are  to  be  distributed  to  the
Certificateholders  in the month of  substitution).  Residential  Funding  shall
deposit the amount of such  shortfall  into the Custodial  Account on the day of
substitution, without any reimbursement therefor. Residential Funding shall give
notice  in  writing  to the  Trustee  of  such  event,  which  notice  shall  be
accompanied by an Officers'  Certificate as to the calculation of such shortfall
and  (subject to Section  10.01(f))  by an Opinion of Counsel to the effect that
such  substitution will not cause (a) any federal tax to be imposed on the Trust
Fund,  including  without  limitation,  any federal  tax imposed on  "prohibited
transactions"  under Section  860F(a)(1) of the Code or on "contributions  after
the startup date" under Section 860G(d)(1) of the Code or (b) any portion of any
REMIC  to  fail  to  qualify  as  such  at any  time  that  any  Certificate  is
outstanding.

        It is  understood  and  agreed  that the  obligation  of the  Seller  or
Residential  Funding, as the case may be, to cure such breach or purchase (or in
the case of  Residential  Funding to  substitute  for) such  Mortgage Loan as to
which such a breach has occurred and is  continuing  shall  constitute  the sole
remedy respecting such breach available to the Certificateholders or the Trustee
on behalf of Certificateholders.  If the Master Servicer is Residential Funding,
then the Trustee shall also have the right to give the  notification and require
the purchase or substitution  provided for in the second preceding  paragraph in
the event of such a breach of a  representation  or warranty made by Residential
Funding in the  Assignment  Agreement.  In  connection  with the  purchase of or
substitution  for any such Mortgage  Loan by  Residential  Funding,  the Trustee
shall  assign to  Residential  Funding  all of the  Trustee's  right,  title and
interest  in respect of the  Seller's  Agreement  and the  Assignment  Agreement
applicable to such Mortgage Loan.

Section  2.05.   Execution  and  Authentication  of   Certificates/Issuance   of
     Certificates Evidencing Interests in REMIC I Certificates.

               As provided in Section 2.05 of the Series Supplement.

                                       41
<PAGE>

Section  2.06.  Conveyance  of  Uncertificated  REMIC  I and  REMIC  II  Regular
     Interests; Acceptance by the Trustee.

               As provided in Section 2.06 of the Series Supplement.

Section 2.07. Issuance of Certificates Evidencing Interests in REMIC II.

               As provided in Section 2.07 of the Series Supplement.

Section 2.08.  Purposes and Powers of the Trust.

        The  purpose of the trust,  as  created  hereunder,  is to engage in the
following activities:

(a) to sell the Certificates to the Company in exchange for the Mortgage Loans;

(b)     to enter into and perform its obligations under this Agreement;

(c) to engage in those activities that are necessary,  suitable or convenient to
accomplish the foregoing or are incidental thereto or connected therewith; and

(d)  subject  to  compliance  with  this  Agreement,  to  engage  in such  other
activities as may be required in connection with  conservation of the Trust Fund
and the making of distributions to the Certificateholders.

               The  trust  is  hereby  authorized  to  engage  in the  foregoing
activities. Notwithstanding the provisions of Section 11.01, the trust shall not
engage in any activity other than in connection with the foregoing or other than
as required or authorized by the terms of this Agreement  while any  Certificate
is outstanding, and this Section 2.08 may not be amended, without the consent of
the  Certificateholders  evidencing a majority of the aggregate Voting Rights of
the Certificates.

                                       42
<PAGE>

                                  ARTICLE III

                          ADMINISTRATION AND SERVICING

                                OF MORTGAGE LOANS

Section 3.01.  Master Servicer to Act as Servicer.

(a) The Master  Servicer  shall  service and  administer  the Mortgage  Loans in
accordance  with the terms of this Agreement and the  respective  Mortgage Loans
and shall have full power and authority, acting alone or through Subservicers as
provided in Section 3.02,  to do any and all things which it may deem  necessary
or desirable in  connection  with such  servicing  and  administration.  Without
limiting the generality of the foregoing, the Master Servicer in its own name or
in the name of a Subservicer  is hereby  authorized and empowered by the Trustee
when the Master  Servicer or the  Subservicer,  as the case may be,  believes it
appropriate  in its best  judgment,  to execute  and  deliver,  on behalf of the
Certificateholders  and the Trustee or any of them,  any and all  instruments of
satisfaction or cancellation,  or of partial or full release or discharge, or of
consent to assumption or modification in connection with a proposed  conveyance,
or of  assignment  of any  Mortgage  and Mortgage  Note in  connection  with the
repurchase  of a Mortgage  Loan and all other  comparable  instruments,  or with
respect to the  modification  or  re-recording  of a Mortgage for the purpose of
correcting the Mortgage,  the subordination of the lien of the Mortgage in favor
of a public utility company or government  agency or unit with powers of eminent
domain,  the  taking  of a  deed  in  lieu  of  foreclosure,  the  commencement,
prosecution  or  completion  of  judicial  or  non-judicial   foreclosure,   the
conveyance of a Mortgaged  Property to the related  Insurer,  the acquisition of
any property  acquired by  foreclosure  or deed in lieu of  foreclosure,  or the
management,  marketing and conveyance of any property acquired by foreclosure or
deed in lieu of foreclosure  with respect to the Mortgage Loans and with respect
to the Mortgaged  Properties.  The Master  Servicer  further is  authorized  and
empowered by the Trustee, on behalf of the  Certificateholders  and the Trustee,
in its own name or in the name of the  Subservicer,  when the Master Servicer or
the  Subservicer,  as the  case  may be,  believes  it  appropriate  in its best
judgment to register  any  Mortgage  Loan on the  MERS(R)  System,  or cause the
removal from the  registration  of any Mortgage Loan on the MERS(R)  System,  to
execute and deliver, on behalf of the Trustee and the  Certificateholders or any
of them, any and all instruments of assignment and other comparable  instruments
with respect to such  assignment  or  re-recording  of a Mortgage in the name of
MERS,  solely as nominee for the Trustee and its  successors  and  assigns.  Any
expenses  incurred in  connection  with the actions  described in the  preceding
sentence  shall be borne by the  Master  Servicer  in  accordance  with  Section
3.16(c), with no right of reimbursement;  provided, that if, as a result of MERS
discontinuing  or becoming unable to continue  operations in connection with the
MERS System,  it becomes necessary to remove any Mortgage Loan from registration
on the MERS System and to arrange for the assignment of the related Mortgages to
the  Trustee,  then any related  expenses  shall be  reimbursable  to the Master
Servicer.  Notwithstanding the foregoing, subject to Section 3.07(a), the Master
Servicer  shall not permit any  modification  with respect to any Mortgage  Loan
that would both  constitute a sale or exchange of such  Mortgage Loan within the
meaning  of  Section  1001 of the  Code  and any  proposed,  temporary  or final
regulations  promulgated  thereunder  (other than in connection  with a proposed
conveyance  or  assumption  of such Mortgage Loan that is treated as a Principal
Prepayment  in Full  pursuant  to Section  3.13(d)  hereof)  and cause any REMIC
formed under the Series Supplement to fail to qualify as a REMIC under the Code.
The Trustee  shall  furnish the Master  Servicer with any powers of attorney and
other  documents  necessary  or  appropriate  to enable the Master  Servicer  to

                                       43
<PAGE>

service and administer the Mortgage  Loans.  The Trustee shall not be liable for
any action  taken by the Master  Servicer  or any  Subservicer  pursuant to such
powers of attorney.  In servicing and administering any Nonsubserviced  Mortgage
Loan,  the Master  Servicer  shall,  to the extent  not  inconsistent  with this
Agreement,  comply with the Program  Guide as if it were the  originator of such
Mortgage Loan and had retained the servicing  rights and  obligations in respect
thereof.  In connection with servicing and administering the Mortgage Loans, the
Master  Servicer  and any  Affiliate  of the  Master  Servicer  (i) may  perform
services such as  appraisals  and  brokerage  services that are not  customarily
provided by servicers  of mortgage  loans,  and shall be entitled to  reasonable
compensation  therefor in accordance  with Section 3.10 and (ii) may, at its own
discretion and on behalf of the Trustee,  obtain credit  information in the form
of a "credit score" from a credit repository.

(b) All costs incurred by the Master  Servicer or by  Subservicers  in effecting
the timely payment of taxes and  assessments  on the  properties  subject to the
Mortgage Loans shall not, for the purpose of calculating  monthly  distributions
to the  Certificateholders,  be added to the  amount  owing  under  the  related
Mortgage Loans,  notwithstanding that the terms of such Mortgage Loan so permit,
and  such  costs  shall  be  recoverable  to the  extent  permitted  by  Section
3.10(a)(ii).

(c) The Master Servicer may enter into one or more agreements in connection with
the offering of pass-through certificates evidencing interests in one or more of
the  Certificates  providing  for the payment by the Master  Servicer of amounts
received by the Master Servicer as servicing compensation hereunder and required
to cover certain  Prepayment  Interest  Shortfalls on the Mortgage Loans,  which
payment  obligation  will  thereafter be an  obligation  of the Master  Servicer
hereunder.

Section 3.02.  Subservicing Agreements Between Master Servicer and Subservicers;
     Enforcement of Subservicers' and Sellers' Obligations.

(a) The Master Servicer may continue in effect  Subservicing  Agreements entered
into by Residential Funding and Subservicers prior to the execution and delivery
of  this  Agreement,  and  may  enter  into  new  Subservicing  Agreements  with
Subservicers,  for  the  servicing  and  administration  of all or  some  of the
Mortgage Loans. Each Subservicer of a Mortgage Loan shall be entitled to receive
and retain,  as provided in the related  Subservicing  Agreement  and in Section
3.07, the related  Subservicing  Fee from payments of interest  received on such
Mortgage Loan after payment of all amounts required to be remitted to the Master
Servicer  in respect of such  Mortgage  Loan.  For any  Mortgage  Loan that is a
Nonsubserviced  Mortgage Loan, the Master  Servicer shall be entitled to receive
and retain an amount equal to the  Subservicing  Fee from  payments of interest.
Unless the context otherwise  requires,  references in this Agreement to actions
taken or to be taken by the Master  Servicer in  servicing  the  Mortgage  Loans
include  actions taken or to be taken by a  Subservicer  on behalf of the Master
Servicer.  Each Subservicing Agreement will be upon such terms and conditions as
are  generally   required  or  permitted  by  the  Program  Guide  and  are  not
inconsistent  with this Agreement and as the Master Servicer and the Subservicer
have agreed. A representative form of Subservicing Agreement is attached to this

                                       44
<PAGE>

Agreement as Exhibit E. With the approval of the Master Servicer,  a Subservicer
may  delegate its  servicing  obligations  to  third-party  servicers,  but such
Subservicer will remain obligated under the related Subservicing Agreement.  The
Master  Servicer  and a  Subservicer  may enter  into  amendments  thereto  or a
different form of Subservicing  Agreement,  and the form referred to or included
in the Program Guide is merely  provided for information and shall not be deemed
to limit in any respect the discretion of the Master Servicer to modify or enter
into  different  Subservicing  Agreements;  provided,  however,  that  any  such
amendments  or  different  forms  shall be  consistent  with and not violate the
provisions of either this Agreement or the Program Guide in a manner which would
materially and adversely affect the interests of the Certificateholders.

(b) As part of its servicing activities hereunder,  the Master Servicer, for the
benefit of the Trustee and the Certificateholders, shall use its best reasonable
efforts  to  enforce  the  obligations  of each  Subservicer  under the  related
Subservicing  Agreement and of each Seller under the related Seller's  Agreement
insofar as the  Company's  rights with respect to Seller's  obligation  has been
assigned to the Trustee hereunder, to the extent that the non-performance of any
such Seller's  obligation would have a material and adverse effect on a Mortgage
Loan, including,  without limitation, the obligation to purchase a Mortgage Loan
on account of  defective  documentation,  as described  in Section  2.02,  or on
account of a breach of a  representation  or  warranty,  as described in Section
2.04. Such enforcement,  including, without limitation, the legal prosecution of
claims,  termination  of  Subservicing  Agreements  or Seller's  Agreements,  as
appropriate,  and the pursuit of other  appropriate  remedies,  shall be in such
form and carried  out to such an extent and at such time as the Master  Servicer
would employ in its good faith business  judgment and which are normal and usual
in its general mortgage servicing activities.  The Master Servicer shall pay the
costs of such enforcement at its own expense,  and shall be reimbursed  therefor
only (i) from a general recovery  resulting from such enforcement to the extent,
if any,  that such  recovery  exceeds  all amounts due in respect of the related
Mortgage Loan or (ii) from a specific  recovery of costs,  expenses or attorneys
fees against the party against whom such  enforcement is directed.  For purposes
of clarification  only, the parties agree that the foregoing is not intended to,
and does not,  limit the  ability of the Master  Servicer to be  reimbursed  for
expenses  that are incurred in  connection  with the  enforcement  of a Seller's
obligations  (insofar  as the  Company's  rights with  respect to such  Seller's
obligations  have been assigned to the Trustee  hereunder) and are  reimbursable
pursuant to Section 3.10(a)(viii).

Section 3.03.  Successor Subservicers.

        The Master  Servicer  shall be entitled to  terminate  any  Subservicing
Agreement  that may exist in  accordance  with the terms and  conditions of such
Subservicing  Agreement and without any limitation by virtue of this  Agreement;
provided,  however,  that  in the  event  of  termination  of  any  Subservicing
Agreement by the Master Servicer or the  Subservicer,  the Master Servicer shall
either act as servicer of the related Mortgage Loan or enter into a Subservicing
Agreement with a successor  Subservicer  which will be bound by the terms of the
related  Subservicing  Agreement.  If the Master  Servicer or any  Affiliate  of
Residential  Funding  acts as  servicer,  it will not assume  liability  for the
representations  and  warranties of the  Subservicer  which it replaces.  If the
Master  Servicer   enters  into  a  Subservicing   Agreement  with  a  successor
Subservicer,  the  Master  Servicer  shall use  reasonable  efforts  to have the
successor  Subservicer assume liability for the  representations  and warranties
made by the terminated Subservicer in respect of the related Mortgage Loans and,

                                       45
<PAGE>

in the event of any such  assumption  by the successor  Subservicer,  the Master
Servicer may, in the exercise of its business  judgment,  release the terminated
Subservicer from liability for such representations and warranties.

Section 3.04.  Liability of the Master Servicer.
               --------------------------------

        Notwithstanding  any  Subservicing  Agreement,  any of the provisions of
this  Agreement  relating  to  agreements  or  arrangements  between  the Master
Servicer or a Subservicer or reference to actions taken through a Subservicer or
otherwise,  the Master Servicer shall remain obligated and liable to the Trustee
and the  Certificateholders  for the servicing and administering of the Mortgage
Loans in accordance  with the  provisions of Section 3.01 without  diminution of
such  obligation  or  liability  by virtue of such  Subservicing  Agreements  or
arrangements or by virtue of indemnification from the Subservicer or the Company
and to the same extent and under the same terms and  conditions as if the Master
Servicer alone were servicing and  administering  the Mortgage Loans. The Master
Servicer  shall be entitled to enter into any agreement  with a  Subservicer  or
Seller for  indemnification of the Master Servicer and nothing contained in this
Agreement shall be deemed to limit or modify such indemnification.

Section 3.05.  No Contractual Relationship Between Subservicer and
                      Trustee or Certificateholders.
                      -----------------------------

        Any  Subservicing  Agreement  that may be  entered  into  and any  other
transactions or services  relating to the Mortgage Loans involving a Subservicer
in its capacity as such and not as an  originator  shall be deemed to be between
the  Subservicer  and  the  Master  Servicer  alone  and  the  Trustee  and  the
Certificateholders shall not be deemed parties thereto and shall have no claims,
rights,  obligations,  duties or liabilities  with respect to the Subservicer in
its  capacity  as such  except  as set  forth in  Section  3.06.  The  foregoing
provision  shall  not in any way  limit a  Subservicer's  obligation  to cure an
omission or defect or to  repurchase  a Mortgage  Loan as referred to in Section
2.02 hereof.

Section 3.06.  Assumption or Termination of Subservicing Agreements by Trustee.
               ---------------------------------------------------------------

(a) If the Master Servicer shall for any reason no longer be the master servicer
(including by reason of an Event of Default),  the Trustee,  its designee or its
successor shall thereupon assume all of the rights and obligations of the Master
Servicer under each Subservicing  Agreement that may have been entered into. The
Trustee,  its designee or the successor servicer for the Trustee shall be deemed
to have  assumed  all of the  Master  Servicer's  interest  therein  and to have
replaced  the Master  Servicer as a party to the  Subservicing  Agreement to the
same extent as if the  Subservicing  Agreement had been assigned to the assuming
party  except  that the Master  Servicer  shall not  thereby be  relieved of any
liability or obligations under the Subservicing Agreement.

(b) The Master Servicer shall, upon request of the Trustee but at the expense of
the Master  Servicer,  deliver to the assuming  party all  documents and records
relating  to each  Subservicing  Agreement  and the  Mortgage  Loans  then being
serviced 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
Subservicing Agreement to the assuming party.

                                       46
<PAGE>

Section  3.07.  Collection  of  Certain  Mortgage  Loan  Payments;  Deposits  to
     Custodial Account.

(a) The Master  Servicer shall make  reasonable  efforts to collect all payments
called for under the terms and provisions of the Mortgage  Loans,  and shall, to
the extent such procedures shall be consistent with this Agreement and the terms
and provisions of any related Primary Insurance  Policy,  follow such collection
procedures as it would employ in its good faith business  judgment and which are
normal and usual in its general mortgage servicing  activities.  Consistent with
the  foregoing,  the Master  Servicer may in its  discretion  (i) waive any late
payment charge or any prepayment  charge or penalty  interest in connection with
the  prepayment of a Mortgage Loan and (ii) extend the Due Date for payments due
on a Mortgage Loan in accordance with the Program Guide; provided, however, that
the Master Servicer shall first determine that any such waiver or extension will
not impair the coverage of any related  Primary  Insurance  Policy or materially
adversely  affect  the lien of the  related  Mortgage.  In the event of any such
arrangement,  the Master  Servicer  shall make  timely  advances  on the related
Mortgage Loan during the scheduled  period in accordance  with the  amortization
schedule of such  Mortgage Loan without  modification  thereof by reason of such
arrangements  unless  otherwise  agreed  to by the  Holders  of the  Classes  of
Certificates affected thereby;  provided,  however, that no such extension shall
be made if any such advance would be a Nonrecoverable  Advance.  Consistent with
the terms of this Agreement,  the Master Servicer may also waive, modify or vary
any  term  of any  Mortgage  Loan  or  consent  to the  postponement  of  strict
compliance with any such term or in any manner grant indulgence to any Mortgagor
if  in  the  Master   Servicer's   determination   such  waiver,   modification,
postponement  or  indulgence is not  materially  adverse to the interests of the
Certificateholders  (taking into account any estimated  Realized Loss that might
result absent such action); provided,  however, that the Master Servicer may not
modify  materially  or permit  any  Subservicer  to modify  any  Mortgage  Loan,
including  without  limitation any  modification  that would change the Mortgage
Rate,  forgive the payment of any  principal or interest  (unless in  connection
with the  liquidation of the related  Mortgage Loan or except in connection with
prepayments to the extent that such  reamortization is not inconsistent with the
terms of the Mortgage  Loan), or extend the final maturity date of such Mortgage
Loan,  unless such Mortgage Loan is in default or, in the judgment of the Master
Servicer, such default is reasonably foreseeable; and provided, further, that no
such  modification  shall reduce the interest  rate on a Mortgage Loan below the
sum of the Pool Strip Rate and the sum of the rates at which the  Servicing  Fee
and the  Subservicing  Fee  with  respect  to such  Mortgage  Loan  accrues.  In
connection with any Curtailment of a Mortgage Loan, the Master Servicer,  to the
extent not  inconsistent  with the terms of the Mortgage  Note and local law and
practice,  may permit the Mortgage Loan to be reamortized  such that the Monthly
Payment is  recalculated  as an amount that will fully  amortize  the  remaining
Stated  Principal  Balance  thereof by the original  Maturity  Date based on the
original  Mortgage  Rate;  provided,  that  such  re-amortization  shall  not be
permitted if it would  constitute a reissuance  of the Mortgage Loan for federal
income  tax  purposes,  except  if such  reissuance  is  described  in  Treasury
Regulation Section 1.860G-2(b)(3).

(b) The Master  Servicer  shall  establish  and maintain a Custodial  Account in
which the Master  Servicer  shall  deposit or cause to be  deposited  on a daily
basis, except as otherwise  specifically provided herein, the following payments
and  collections  remitted by  Subservicers  or received by it in respect of the
Mortgage  Loans  subsequent  to the  Cut-off  Date  (other  than in  respect  of
principal and interest on the Mortgage Loans due on or before the Cut-off Date):

                                       47
<PAGE>

(i)     All payments on account of principal,  including  Principal  Prepayments
        made by Mortgagors on the Mortgage Loans and the principal  component of
        any  Subservicer  Advance or of any REO Proceeds  received in connection
        with an REO Property for which an REO Disposition has occurred;

(ii)    All payments on account of interest at the Adjusted Mortgage Rate on the
        Mortgage  Loans,  including  Buydown  Funds,  if any,  and the  interest
        component of any Subservicer  Advance or of any REO Proceeds received in
        connection  with  an REO  Property  for  which  an REO  Disposition  has
        occurred;

(iii)Insurance Proceeds,  Subsequent Recoveries and Liquidation Proceeds (net of
     any related expenses of the Subservicer);

(iv)    All proceeds of any Mortgage Loans  purchased  pursuant to Section 2.02,
        2.03,  2.04  or  4.07  and  all  amounts  required  to be  deposited  in
        connection with the substitution of a Qualified Substitute Mortgage Loan
        pursuant to Section 2.03 or 2.04;

(v)  Any amounts required to be deposited pursuant to Section 3.07(c) or 3.21;

(vi) All  amounts  transferred  from the  Certificate  Account to the  Custodial
     Account in accordance with Section 4.02(a);

(vii)Any  amounts  realized  by the  Subservicer  and  received  by  the  Master
     Servicer in respect of any Additional Collateral; and

(viii) Any amounts received by the Master Servicer in respect of Pledged Assets.

The  foregoing  requirements  for  deposit  in the  Custodial  Account  shall be
exclusive,  it being understood and agreed that, without limiting the generality
of the foregoing, payments on the Mortgage Loans which are not part of the Trust
Fund  (consisting  of  payments  in respect of  principal  and  interest  on the
Mortgage Loans due on or before the Cut-off Date) and payments or collections in
the nature of prepayment  charges or late payment charges or assumption fees may
but need not be deposited by the Master  Servicer in the Custodial  Account.  In
the event any amount not required to be deposited in the Custodial Account is so
deposited,  the Master  Servicer may at any time  withdraw  such amount from the
Custodial  Account,  any provision herein to the contrary  notwithstanding.  The
Custodial  Account  may  contain  funds that  belong to one or more trust  funds
created for mortgage  pass-through  certificates of other series and may contain
other  funds  respecting  payments  on mortgage  loans  belonging  to the Master
Servicer  or   serviced   or  master   serviced  by  it  on  behalf  of  others.
Notwithstanding  such  commingling  of funds,  the  Master  Servicer  shall keep
records that  accurately  reflect the funds on deposit in the Custodial  Account
that have been identified by it as being attributable to the Mortgage Loans.

        With respect to Insurance Proceeds,  Liquidation Proceeds,  REO Proceeds
and the proceeds of the purchase of any Mortgage Loan pursuant to Sections 2.02,
2.03,  2.04 and 4.07  received in any calendar  month,  the Master  Servicer may
elect to treat such amounts as included in the Available Distribution Amount for
the Distribution Date in the month of receipt, but is not obligated to do so. If
the Master Servicer so elects, such amounts will be deemed to have been received
(and any related Realized Loss shall be deemed to have occurred) on the last day
of the month prior to the receipt thereof.

                                       48
<PAGE>

(c) The Master  Servicer  shall use its best  efforts  to cause the  institution
maintaining the Custodial  Account to invest the funds in the Custodial  Account
attributable to the Mortgage Loans in Permitted  Investments  which shall mature
not later than the  Certificate  Account Deposit Date next following the date of
such investment (with the exception of the Amount Held for Future  Distribution)
and which shall not be sold or disposed of prior to their maturities. All income
and gain  realized  from any such  investment  shall be for the  benefit  of the
Master Servicer as additional servicing compensation and shall be subject to its
withdrawal  or order from time to time.  The amount of any  losses  incurred  in
respect of any such  investments  attributable  to the  investment of amounts in
respect of the Mortgage Loans shall be deposited in the Custodial Account by the
Master Servicer out of its own funds  immediately as realized  without any right
of reimbursement.

(d) The Master  Servicer shall give notice to the Trustee and the Company of any
change  in the  location  of the  Custodial  Account  and  the  location  of the
Certificate Account prior to the use thereof.

Section 3.08.  Subservicing Accounts; Servicing Accounts.

(a) In those cases where a Subservicer  is servicing a Mortgage Loan pursuant to
a  Subservicing  Agreement,  the Master  Servicer  shall cause the  Subservicer,
pursuant to the  Subservicing  Agreement,  to establish and maintain one or more
Subservicing  Accounts which shall be an Eligible Account or, if such account is
not an Eligible Account, shall generally satisfy the requirements of the Program
Guide and be otherwise acceptable to the Master Servicer and each Rating Agency.
The  Subservicer  will be  required  thereby  to deposit  into the  Subservicing
Account  on a daily  basis  all  proceeds  of  Mortgage  Loans  received  by the
Subservicer,  less its Subservicing Fees and unreimbursed advances and expenses,
to the extent  permitted  by the  Subservicing  Agreement.  If the  Subservicing
Account is not an Eligible Account,  the Master Servicer shall be deemed to have
received such monies upon receipt  thereof by the  Subservicer.  The Subservicer
shall not be  required  to  deposit  in the  Subservicing  Account  payments  or
collections  in the nature of  prepayment  charges or late charges or assumption
fees.  On or before the date  specified  in the Program  Guide,  but in no event
later  than  the  Determination  Date,  the  Master  Servicer  shall  cause  the
Subservicer,  pursuant  to the  Subservicing  Agreement,  to remit to the Master
Servicer for deposit in the Custodial Account all funds held in the Subservicing
Account with respect to each Mortgage Loan serviced by such Subservicer that are
required to be remitted to the Master  Servicer.  The  Subservicer  will also be
required,  pursuant to the Subservicing  Agreement, to advance on such scheduled
date of  remittance  amounts  equal to any  scheduled  monthly  installments  of
principal  and interest  less its  Subservicing  Fees on any Mortgage  Loans for
which payment was not received by the  Subservicer.  This  obligation to advance
with respect to each  Mortgage  Loan will continue up to and including the first
of the month following the date on which the related Mortgaged  Property is sold
at a  foreclosure  sale  or is  acquired  by the  Trust  Fund by deed in lieu of
foreclosure  or  otherwise.  All such advances  received by the Master  Servicer
shall be deposited promptly by it in the Custodial Account.

                                       49
<PAGE>

(b)  The  Subservicer  may  also  be  required,  pursuant  to  the  Subservicing
Agreement,  to remit to the Master Servicer for deposit in the Custodial Account
interest at the Adjusted  Mortgage  Rate (or Modified Net Mortgage Rate plus the
rate per annum at which the  Servicing  Fee  accrues  in the case of a  Modified
Mortgage Loan) on any Curtailment  received by such  Subservicer in respect of a
Mortgage Loan from the related  Mortgagor during any month that is to be applied
by the  Subservicer  to reduce  the  unpaid  principal  balance  of the  related
Mortgage Loan as of the first day of such month, from the date of application of
such  Curtailment to the first day of the following month. Any amounts paid by a
Subservicer  pursuant to the preceding  sentence shall be for the benefit of the
Master Servicer as additional servicing compensation and shall be subject to its
withdrawal or order from time to time pursuant to Sections 3.10(a)(iv) and (v).

(c) In addition to the Custodial Account and the Certificate Account, the Master
Servicer  shall  for any  Nonsubserviced  Mortgage  Loan,  and  shall  cause the
Subservicers  for Subserviced  Mortgage Loans to,  establish and maintain one or
more Servicing  Accounts and deposit and retain therein all collections from the
Mortgagors   (or  advances  from   Subservicers)   for  the  payment  of  taxes,
assessments,  hazard insurance premiums,  Primary Insurance Policy premiums,  if
applicable,  or  comparable  items  for  the  account  of the  Mortgagors.  Each
Servicing Account shall satisfy the requirements for a Subservicing Account and,
to the extent  permitted by the Program  Guide or as is otherwise  acceptable to
the Master Servicer, may also function as a Subservicing Account. Withdrawals of
amounts  related to the Mortgage  Loans from the Servicing  Accounts may be made
only to effect timely payment of taxes, assessments,  hazard insurance premiums,
Primary  Insurance  Policy  premiums,  if applicable,  or comparable  items,  to
reimburse the Master Servicer or Subservicer out of related  collections for any
payments made  pursuant to Sections 3.11 (with respect to the Primary  Insurance
Policy)  and  3.12(a)  (with  respect  to  hazard  insurance),  to refund to any
Mortgagors  any sums as may be  determined to be overages,  to pay interest,  if
required,  to Mortgagors  on balances in the  Servicing  Account or to clear and
terminate  the  Servicing  Account  at the  termination  of  this  Agreement  in
accordance with Section 9.01 or in accordance with the Program Guide. As part of
its servicing  duties,  the Master Servicer shall,  and the  Subservicers  will,
pursuant to the  Subservicing  Agreements,  be required to pay to the Mortgagors
interest on funds in this account to the extent required by law.

(d) The Master Servicer shall advance the payments  referred to in the preceding
subsection  that  are not  timely  paid by the  Mortgagors  or  advanced  by the
Subservicers  on the date when the tax,  premium  or other  cost for which  such
payment is  intended  is due,  but the Master  Servicer  shall be required so to
advance only to the extent that such advances, in the good faith judgment of the
Master  Servicer,  will be recoverable  by the Master  Servicer out of Insurance
Proceeds, Liquidation Proceeds or otherwise.

Section 3.09.  Access to Certain Documentation and
                      Information Regarding the Mortgage Loans.
                      ----------------------------------------

        If   compliance   with  this  Section  3.09  shall  make  any  Class  of
Certificates  legal  for  investment  by  federally  insured  savings  and  loan
associations,  the Master Servicer shall provide,  or cause the  Subservicers to
provide,  to the Trustee,  the Office of Thrift  Supervision or the FDIC and the
supervisory  agents and examiners thereof access to the documentation  regarding
the Mortgage  Loans  required by applicable  regulations of the Office of Thrift

                                       50
<PAGE>

Supervision,  such access being afforded without charge but only upon reasonable
request and during normal business hours at the offices designated by the Master
Servicer. The Master Servicer shall permit such representatives to photocopy any
such  documentation  and shall  provide  equipment  for that purpose at a charge
reasonably approximating the cost of such photocopying to the Master Servicer.

Section 3.10.  Permitted Withdrawals from the Custodial Account.

(a) The  Master  Servicer  may,  from  time to time  as  provided  herein,  make
withdrawals from the Custodial Account of amounts on deposit therein pursuant to
Section  3.07 that are  attributable  to the  Mortgage  Loans for the  following
purposes:

(i)  to make  deposits  into the  Certificate  Account in the amounts and in the
     manner provided for in Section 4.01;

(ii) to reimburse itself or the related Subservicer for previously  unreimbursed
     advances or expenses made pursuant to Sections 3.01,  3.07(a),  3.08, 3.11,
     3.12(a),  3.14 and 4.04 or otherwise  reimbursable pursuant to the terms of
     this Agreement,  such withdrawal right being limited to amounts received on
     particular  Mortgage  Loans  (including,  for this  purpose,  REO Proceeds,
     Insurance Proceeds,  Liquidation Proceeds and proceeds from the purchase of
     a  Mortgage  Loan  pursuant  to Section  2.02,  2.03,  2.04 or 4.07)  which
     represent  (A) Late  Collections  of  Monthly  Payments  for which any such
     advance was made in the case of Subservicer  Advances or Advances  pursuant
     to  Section  4.04 and (B)  recoveries  of  amounts in respect of which such
     advances were made in the case of Servicing Advances;

(iii)to pay to itself or the related  Subservicer (if not previously retained by
     such  Subservicer)  out of each payment  received by the Master Servicer on
     account of interest on a Mortgage Loan as contemplated by Sections 3.14 and
     3.16, an amount equal to that  remaining  portion of any such payment as to
     interest (but not in excess of the Servicing Fee and the Subservicing  Fee,
     if not  previously  retained)  which,  when  deducted,  will  result in the
     remaining  amount of such interest  being interest at the Net Mortgage Rate
     (or Modified Net Mortgage Rate in the case of a Modified  Mortgage Loan) on
     the amount specified in the  amortization  schedule of the related Mortgage
     Loan as the  principal  balance  thereof  at the  beginning  of the  period
     respecting which such interest was paid after giving effect to any previous
     Curtailments;

(iv)    to pay to itself as additional  servicing  compensation  any interest or
        investment  income  earned on funds and other  property  deposited in or
        credited  to the  Custodial  Account  that it is  entitled  to  withdraw
        pursuant to Section 3.07(c);

(v)     to pay to itself as additional  servicing  compensation  any Foreclosure
        Profits,  any amounts remitted by Subservicers as interest in respect of
        Curtailments  pursuant to Section  3.08(b),  and any  amounts  paid by a
        Mortgagor in connection  with a Principal  Prepayment in Full in respect
        of  interest  for any  period  during the  calendar  month in which such
        Principal   Prepayment   in   Full   is  to  be   distributed   to   the
        Certificateholders;

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<PAGE>

(vi)    to pay to itself,  a Subservicer,  a Seller,  Residential  Funding,  the
        Company  or any  other  appropriate  Person,  as the case  may be,  with
        respect to each  Mortgage Loan or property  acquired in respect  thereof
        that has been  purchased  or otherwise  transferred  pursuant to Section
        2.02,  2.03,  2.04, 4.07 or 9.01, all amounts  received  thereon and not
        required to be distributed to the  Certificateholders  as of the date on
        which  the  related  Stated  Principal  Balance  or  Purchase  Price  is
        determined;

(vii)   to reimburse  itself or the related  Subservicer for any  Nonrecoverable
        Advance  or  Advances  in  the  manner  and to the  extent  provided  in
        subsection (c) below, any Advance made in connection with a modification
        of a Mortgage  Loan that is in default or, in the judgment of the Master
        Servicer, default is reasonably foreseeable pursuant to Section 3.07(a),
        to  the  extent  the  amount  of  the  Advance  has  been  added  to the
        outstanding  principal  balance of the  Mortgage  Loan,  or any  Advance
        reimbursable to the Master Servicer pursuant to Section 4.02(a);

(viii)  to  reimburse  itself  or  the  Company  for  expenses  incurred  by and
        reimbursable to it or the Company  pursuant to Sections  3.01(a),  3.11,
        3.13,  3.14(c),  6.03,  10.01  or  otherwise,   or  in  connection  with
        enforcing,   in  accordance   with  this   Agreement,   any  repurchase,
        substitution or indemnification  obligation of any Seller (other than an
        Affiliate of the Company) pursuant to the related Seller's Agreement;

(ix)    to reimburse itself for Servicing  Advances  expended by it (a) pursuant
        to Section  3.14 in good faith in  connection  with the  restoration  of
        property  damaged by an Uninsured  Cause, and (b) in connection with the
        liquidation  of a Mortgage Loan or disposition of an REO Property to the
        extent not otherwise reimbursed pursuant to clause (ii) or (viii) above;
        and

(x)  to withdraw  any amount  deposited  in the  Custodial  Account that was not
     required to be deposited therein pursuant to Section 3.07.

(b) Since, in connection with withdrawals  pursuant to clauses (ii),  (iii), (v)
and (vi), the Master Servicer's entitlement thereto is limited to collections or
other  recoveries on the related  Mortgage Loan, the Master  Servicer shall keep
and maintain separate accounting, on a Mortgage Loan by Mortgage Loan basis, for
the purpose of justifying any withdrawal from the Custodial  Account pursuant to
such clauses.

(c) The Master  Servicer  shall be entitled to  reimburse  itself or the related
Subservicer  for any advance made in respect of a Mortgage  Loan that the Master
Servicer  determines  to be a  Nonrecoverable  Advance  by  withdrawal  from the
Custodial  Account of amounts on deposit  therein  attributable  to the Mortgage
Loans  on any  Certificate  Account  Deposit  Date  succeeding  the date of such
determination.  Such  right of  reimbursement  in  respect  of a  Nonrecoverable
Advance  on any such  Certificate  Account  Deposit  Date shall be limited to an
amount  not   exceeding  the  portion  of  such  advance   previously   paid  to
Certificateholders (and not theretofore reimbursed to the Master Servicer or the
related Subservicer).

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<PAGE>

Section 3.11.  Maintenance of the Primary Insurance
                      Policies; Collections Thereunder.

(a) The Master  Servicer shall not take, or permit any  Subservicer to take, any
action which would result in non-coverage under any applicable Primary Insurance
Policy  of any  loss  which,  but for the  actions  of the  Master  Servicer  or
Subservicer,  would have been  covered  thereunder.  To the extent  coverage  is
available,  the Master Servicer shall keep or cause to be kept in full force and
effect each such Primary  Insurance  Policy until the  principal  balance of the
related Mortgage Loan secured by a Mortgaged  Property is reduced to 80% or less
of  the  Appraised  Value  in  the  case  of  such  a  Mortgage  Loan  having  a
Loan-to-Value  Ratio at origination in excess of 80%, provided that such Primary
Insurance  Policy  was in  place as of the  Cut-off  Date  and the  Company  had
knowledge  of such  Primary  Insurance  Policy.  The  Master  Servicer  shall be
entitled to cancel or permit the discontinuation of any Primary Insurance Policy
as to any Mortgage Loan, if the Stated Principal Balance of the Mortgage Loan is
reduced  below an  amount  equal to 80% of the  appraised  value of the  related
Mortgaged  Property as  determined  in any  appraisal  thereof after the Closing
Date,  or if the  Loan-to-Value  Ratio  is  reduced  below  80% as a  result  of
principal  payments on the Mortgage  Loan after the Closing  Date.  In the event
that the Company  gains  knowledge  that as of the Closing Date, a Mortgage Loan
had a Loan-to-Value Ratio at origination in excess of 80% and is not the subject
of a Primary  Insurance  Policy (and was not  included in any  exception  to the
representation in Section 2.03(b)(iv)) and that such Mortgage Loan has a current
Loan-to-Value  Ratio in excess  of 80% then the  Master  Servicer  shall use its
reasonable  efforts to obtain and  maintain  a Primary  Insurance  Policy to the
extent  that such a policy is  obtainable  at a  reasonable  price.  The  Master
Servicer shall not cancel or refuse to renew any such Primary  Insurance  Policy
applicable to a  Nonsubserviced  Mortgage  Loan,  or consent to any  Subservicer
canceling or refusing to renew any such Primary Insurance Policy applicable to a
Mortgage  Loan  subserviced  by it, that is in effect at the date of the initial
issuance  of the  Certificates  and is  required  to be kept in force  hereunder
unless the replacement Primary Insurance Policy for such canceled or non-renewed
policy is maintained with an insurer whose  claims-paying  ability is acceptable
to each Rating  Agency for mortgage  pass-through  certificates  having a rating
equal to or better  than the  lower of the  then-current  rating  or the  rating
assigned to the Certificates as of the Closing Date by such Rating Agency.

(b) In  connection  with its  activities  as  administrator  and servicer of the
Mortgage  Loans,  the Master  Servicer agrees to present or to cause the related
Subservicer to present,  on behalf of the Master Servicer,  the Subservicer,  if
any, the Trustee and Certificateholders, claims to the related Insurer under any
Primary Insurance Policies, in a timely manner in accordance with such policies,
and,  in this  regard,  to take or cause to be taken such  reasonable  action as
shall be  necessary  to permit  recovery  under any Primary  Insurance  Policies
respecting  defaulted  Mortgage  Loans.  Pursuant to Section 3.07, any Insurance
Proceeds  collected  by or  remitted  to the Master  Servicer  under any Primary
Insurance  Policies  shall be deposited  in the  Custodial  Account,  subject to
withdrawal pursuant to Section 3.10.

Section 3.12.  Maintenance of Fire Insurance and
                      Omissions and Fidelity Coverage.

(a) The Master  Servicer  shall cause to be  maintained  for each  Mortgage Loan
(other than a Cooperative  Loan) fire  insurance  with  extended  coverage in an
amount  which is equal to the  lesser  of the  principal  balance  owing on such
Mortgage  Loan  or 100  percent  of the  insurable  value  of the  improvements;

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<PAGE>

provided,  however,  that such coverage may not be less than the minimum  amount
required to fully compensate for any loss or damage on a replacement cost basis.
To the extent it may do so without breaching the related Subservicing Agreement,
the Master  Servicer  shall  replace  any  Subservicer  that does not cause such
insurance, to the extent it is available, to be maintained.  The Master Servicer
shall also cause to be maintained on property acquired upon foreclosure, or deed
in lieu of  foreclosure,  of any Mortgage Loan (other than a Cooperative  Loan),
fire  insurance  with extended  coverage in an amount which is at least equal to
the  amount  necessary  to avoid  the  application  of any  co-insurance  clause
contained in the related hazard insurance policy.  Pursuant to Section 3.07, any
amounts  collected by the Master  Servicer  under any such policies  (other than
amounts to be  applied to the  restoration  or repair of the  related  Mortgaged
Property  or property  thus  acquired or amounts  released to the  Mortgagor  in
accordance with the Master  Servicer's  normal  servicing  procedures)  shall be
deposited in the Custodial  Account,  subject to withdrawal  pursuant to Section
3.10. Any cost incurred by the Master Servicer in maintaining any such insurance
shall  not,  for  the  purpose  of  calculating  monthly  distributions  to  the
Certificateholders,  be added to the  amount  owing  under  the  Mortgage  Loan,
notwithstanding  that the terms of the Mortgage Loan so permit. Such costs shall
be  recoverable  by the Master  Servicer  out of related  late  payments  by the
Mortgagor or out of Insurance  Proceeds and  Liquidation  Proceeds to the extent
permitted by Section  3.10.  It is  understood  and agreed that no earthquake or
other  additional  insurance is to be required of any Mortgagor or maintained on
property  acquired  in respect of a Mortgage  Loan other than  pursuant  to such
applicable  laws and  regulations  as shall at any time be in force and as shall
require such additional insurance. Whenever the improvements securing a Mortgage
Loan (other than a Cooperative  Loan) are located at the time of  origination of
such Mortgage  Loan in a federally  designated  special  flood hazard area,  the
Master  Servicer  shall cause flood  insurance  (to the extent  available) to be
maintained in respect thereof.  Such flood insurance shall be in an amount equal
to the lesser of (i) the amount required to compensate for any loss or damage to
the Mortgaged  Property on a replacement  cost basis and (ii) the maximum amount
of such  insurance  available  for the  related  Mortgaged  Property  under  the
national flood insurance program (assuming that the area in which such Mortgaged
Property is located is participating in such program).

        If the  Master  Servicer  shall  obtain  and  maintain  a  blanket  fire
insurance policy with extended coverage insuring against hazard losses on all of
the  Mortgage  Loans,  it shall  conclusively  be deemed to have  satisfied  its
obligations as set forth in the first sentence of this Section 3.12(a), it being
understood and agreed that such policy may contain a deductible clause, in which
case the Master  Servicer  shall,  in the event  that there  shall not have been
maintained on the related  Mortgaged  Property a policy complying with the first
sentence  of this  Section  3.12(a) and there shall have been a loss which would
have been covered by such policy,  deposit in the Certificate Account the amount
not  otherwise  payable  under the  blanket  policy  because of such  deductible
clause. Any such deposit by the Master Servicer shall be made on the Certificate
Account  Deposit Date next preceding the  Distribution  Date which occurs in the
month  following  the month in which  payments  under any such policy would have
been deposited in the Custodial  Account.  In connection  with its activities as
administrator  and servicer of the Mortgage Loans, the Master Servicer agrees to
present,  on behalf of itself,  the Trustee and the  Certificateholders,  claims
under any such blanket policy.

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<PAGE>

(b) The Master Servicer shall obtain and maintain at its own expense and keep in
full force and effect  throughout the term of this Agreement a blanket  fidelity
bond and an errors and omissions insurance policy covering the Master Servicer's
officers and employees and other persons acting on behalf of the Master Servicer
in connection with its activities  under this Agreement.  The amount of coverage
shall be at least equal to the coverage  that would be required by Fannie Mae or
Freddie Mac,  whichever is greater,  with respect to the Master  Servicer if the
Master Servicer were servicing and  administering  the Mortgage Loans for Fannie
Mae or Freddie  Mac.  In the event that any such bond or policy  ceases to be in
effect, the Master Servicer shall obtain a comparable replacement bond or policy
from an issuer or insurer, as the case may be, meeting the requirements, if any,
of the  Program  Guide and  acceptable  to the  Company.  Coverage of the Master
Servicer under a policy or bond obtained by an Affiliate of the Master  Servicer
and  providing the coverage  required by this Section  3.12(b) shall satisfy the
requirements of this Section 3.12(b).

Section 3.13.  Enforcement of Due-on-Sale Clauses; Assumption and
                      Modification Agreements; Certain Assignments.
                      ---------------------------------------------

(a) When any  Mortgaged  Property  is  conveyed  by the  Mortgagor,  the  Master
Servicer or  Subservicer,  to the extent it has  knowledge  of such  conveyance,
shall enforce any due-on-sale clause contained in any Mortgage Note or Mortgage,
to the extent permitted under applicable law and governmental  regulations,  but
only to the extent that such enforcement will not adversely affect or jeopardize
coverage under any Required Insurance Policy. Notwithstanding the foregoing:

(i)     the  Master  Servicer  shall not be deemed to be in  default  under this
        Section 3.13(a) by reason of any transfer or assumption which the Master
        Servicer is restricted by law from preventing; and

(ii)    if the Master Servicer  determines that it is reasonably likely that any
        Mortgagor will bring,  or if any Mortgagor  does bring,  legal action to
        declare invalid or otherwise avoid  enforcement of a due-on-sale  clause
        contained in any Mortgage Note or Mortgage,  the Master  Servicer  shall
        not be  required to enforce the  due-on-sale  clause or to contest  such
        action.

(b) Subject to the Master  Servicer's duty to enforce any due-on-sale  clause to
the  extent  set  forth in  Section  3.13(a),  in any case in which a  Mortgaged
Property  is to be conveyed  to a Person by a  Mortgagor,  and such Person is to
enter into an assumption or modification agreement or supplement to the Mortgage
Note  or  Mortgage  which  requires  the  signature  of  the  Trustee,  or if an
instrument of release signed by the Trustee is required  releasing the Mortgagor
from liability on the Mortgage Loan, the Master Servicer is authorized,  subject
to the requirements of the sentence next following,  to execute and deliver,  on
behalf of the  Trustee,  the  assumption  agreement  with the Person to whom the
Mortgaged  Property  is  to be  conveyed  and  such  modification  agreement  or
supplement  to the  Mortgage  Note  or  Mortgage  or  other  instruments  as are
reasonable  or necessary to carry out the terms of the Mortgage Note or Mortgage
or otherwise to comply with any  applicable  laws  regarding  assumptions or the
transfer of the Mortgaged Property to such Person;  provided,  however,  none of
such terms and requirements  shall either (i) both (A) constitute a "significant
modification"  effecting an exchange or  reissuance  of such Mortgage Loan under
the REMIC  Provisions  and (B) cause any portion of any REMIC  formed  under the
Series  Supplement  to fail to qualify as a REMIC  under the Code or (subject to
Section  10.01(f)),   result  in  the  imposition  of  any  tax  on  "prohibited
transactions" or (ii) constitute  "contributions"  after the start-up date under
the REMIC  Provisions.  The Master  Servicer  shall  execute  and  deliver  such
documents only if it reasonably  determines  that (i) its execution and delivery
thereof will not conflict  with or violate any terms of this  Agreement or cause

                                       55
<PAGE>

the unpaid  balance and interest on the  Mortgage  Loan to be  uncollectible  in
whole or in part,  (ii) any  required  consents of insurers  under any  Required
Insurance Policies have been obtained and (iii) subsequent to the closing of the
transaction  involving  the  assumption  or transfer (A) the Mortgage  Loan will
continue  to be secured by a first  mortgage  lien  pursuant to the terms of the
Mortgage,  (B) such transaction will not adversely affect the coverage under any
Required Insurance Policies,  (C) the Mortgage Loan will fully amortize over the
remaining term thereof, (D) no material term of the Mortgage Loan (including the
interest  rate on the  Mortgage  Loan) will be altered  nor will the term of the
Mortgage  Loan be  changed  and (E) if the  seller/transferor  of the  Mortgaged
Property is to be released  from  liability on the Mortgage  Loan,  such release
will  not  (based  on  the  Master   Servicer's  or  Subservicer's   good  faith
determination)  adversely affect the  collectability  of the Mortgage Loan. Upon
receipt of appropriate  instructions from the Master Servicer in accordance with
the  foregoing,  the Trustee shall execute any  necessary  instruments  for such
assumption  or  substitution  of  liability as directed in writing by the Master
Servicer.  Upon the closing of the transactions  contemplated by such documents,
the Master  Servicer shall cause the originals or true and correct copies of the
assumption agreement, the release (if any), or the modification or supplement to
the Mortgage  Note or Mortgage to be  delivered to the Trustee or the  Custodian
and deposited  with the Mortgage File for such Mortgage  Loan. Any fee collected
by the  Master  Servicer  or  such  related  Subservicer  for  entering  into an
assumption or substitution of liability agreement will be retained by the Master
Servicer or such Subservicer as additional servicing compensation.

(c) The Master Servicer or the related Subservicer, as the case may be, shall be
entitled  to approve a request  from a  Mortgagor  for a partial  release of the
related  Mortgaged  Property,  the  granting of an easement  thereon in favor of
another Person,  any alteration or demolition of the related Mortgaged  Property
(or,  with respect to a Cooperative  Loan,  the related  Cooperative  Apartment)
without  any  right  of  reimbursement  or  other  similar  matters  if  it  has
determined, exercising its good faith business judgment in the same manner as it
would if it were the owner of the related  Mortgage Loan, that the security for,
and the timely  and full  collectability  of,  such  Mortgage  Loan would not be
adversely  affected  thereby and that any portion of any REMIC  formed under the
Series  Supplement  would not fail to  continue  to qualify as a REMIC under the
Code as a result  thereof  and  (subject  to  Section  10.01(f))  that no tax on
"prohibited  transactions"  or  "contributions"  after the  startup day would be
imposed on any such REMIC as a result  thereof.  Any fee collected by the Master
Servicer  or the  related  Subservicer  for  processing  such a request  will be
retained by the Master  Servicer or such  Subservicer  as  additional  servicing
compensation.

(d) Subject to any other applicable terms and conditions of this Agreement,  the
Trustee and Master  Servicer  shall be entitled to approve an assignment in lieu
of  satisfaction  with respect to any Mortgage  Loan,  provided the obligee with
respect to such Mortgage Loan  following such proposed  assignment  provides the
Trustee and Master  Servicer  with a "Lender  Certification  for  Assignment  of
Mortgage  Loan" in the form attached  hereto as Exhibit M, in form and substance
satisfactory to the Trustee and Master  Servicer,  providing the following:  (i)
that the substance of the assignment is, and is intended to be, a refinancing of

                                       56
<PAGE>

such  Mortgage;  (ii) that the Mortgage Loan  following the proposed  assignment
will have a rate of  interest at least 0.25  percent  below or above the rate of
interest on such Mortgage Loan prior to such proposed assignment; and (iii) that
such  assignment  is at the request of the borrower  under the related  Mortgage
Loan. Upon approval of an assignment in lieu of satisfaction with respect to any
Mortgage Loan, the Master  Servicer shall receive cash in an amount equal to the
unpaid  principal  balance of and accrued interest on such Mortgage Loan and the
Master  Servicer shall treat such amount as a Principal  Prepayment in Full with
respect to such Mortgage Loan for all purposes hereof.

Section 3.14.  Realization Upon Defaulted Mortgage Loans.
               -----------------------------------------

(a) The Master  Servicer shall  foreclose upon or otherwise  comparably  convert
(which may include an REO Acquisition) the ownership of properties securing such
of the  Mortgage  Loans as come into and  continue in default and as to which no
satisfactory  arrangements  can be made for  collection of  delinquent  payments
pursuant  to  Section  3.07.  In  connection  with  such  foreclosure  or  other
conversion, the Master Servicer shall, consistent with Section 3.11, follow such
practices and  procedures as it shall deem  necessary or advisable,  as shall be
normal and usual in its general  mortgage  servicing  activities and as shall be
required or permitted by the Program  Guide;  provided that the Master  Servicer
shall not be liable in any respect hereunder if the Master Servicer is acting in
connection  with any such  foreclosure  or other  conversion in a manner that is
consistent with the provisions of this Agreement. The Master Servicer,  however,
shall not be  required  to  expend  its own  funds or incur  other  reimbursable
charges in connection with any foreclosure,  or attempted  foreclosure  which is
not  completed,  or towards  the  restoration  of any  property  unless it shall
determine  (i) that  such  restoration  and/or  foreclosure  will  increase  the
proceeds of liquidation of the Mortgage Loan to Holders of  Certificates  of one
or more Classes after  reimbursement  to itself for such expenses or charges and
(ii) that such expenses or charges will be recoverable to it through Liquidation
Proceeds,  Insurance Proceeds,  or REO Proceeds  (respecting which it shall have
priority for purposes of  withdrawals  from the  Custodial  Account  pursuant to
Section 3.10, whether or not such expenses and charges are actually  recoverable
from related Liquidation Proceeds,  Insurance Proceeds or REO Proceeds).  In the
event of such a determination  by the Master  Servicer  pursuant to this Section
3.14(a),  the Master Servicer shall be entitled to reimbursement of such amounts
pursuant to Section 3.10.

               In addition to the foregoing,  the Master  Servicer shall use its
best  reasonable  efforts to realize upon any Additional  Collateral for such of
the Additional  Collateral  Loans as come into and continue in default and as to
which no  satisfactory  arrangements  can be made for  collection  of delinquent
payments pursuant to Section 3.07;  provided that the Master Servicer shall not,
on behalf of the Trustee,  obtain title to any such  Additional  Collateral as a
result of or in lieu of the  disposition  thereof  or  otherwise;  and  provided
further  that (i) the Master  Servicer  shall not proceed  with  respect to such
Additional  Collateral  in any manner  that would  impair the ability to recover
against the  related  Mortgaged  Property,  and (ii) the Master  Servicer  shall
proceed with any REO Acquisition in a manner that preserves the ability to apply
the  proceeds  of such  Additional  Collateral  against  amounts  owed under the
defaulted  Mortgage Loan. Any proceeds realized from such Additional  Collateral
(other than amounts to be released to the Mortgagor or the related  guarantor in

                                       57
<PAGE>

accordance  with  procedures  that the Master Servicer would follow in servicing
loans  held for its own  account,  subject  to the terms and  conditions  of the
related  Mortgage  and  Mortgage  Note and to the  terms and  conditions  of any
security agreement,  guarantee agreement,  mortgage or other agreement governing
the  disposition  of the  proceeds  of  such  Additional  Collateral)  shall  be
deposited in the Custodial  Account,  subject to withdrawal  pursuant to Section
3.10.  Any other  payment  received  by the Master  Servicer  in respect of such
Additional  Collateral  shall be deposited in the Custodial  Account  subject to
withdrawal pursuant to Section 3.10.

               For so long as the Master  Servicer is the Master  Servicer under
the Credit  Support  Pledge  Agreement,  the Master  Servicer  shall perform its
obligations  under the Credit Support Pledge  Agreement in accordance  with such
Agreement   and  in  a   manner   that  is  in  the   best   interests   of  the
Certificateholders.  Further,  the Master Servicer shall use its best reasonable
efforts to realize upon any Pledged  Assets for such of the Pledged  Asset Loans
as  come  into  and  continue  in  default  and  as  to  which  no  satisfactory
arrangements  can be made for  collection  of  delinquent  payments  pursuant to
Section  3.07;  provided  that the Master  Servicer  shall not, on behalf of the
Trustee,  obtain title to any such  Pledged  Assets as a result of or in lieu of
the disposition  thereof or otherwise;  and provided further that (i) the Master
Servicer  shall not proceed with  respect to such  Pledged  Assets in any manner
that would impair the ability to recover against the related Mortgaged Property,
and (ii) the Master  Servicer shall proceed with any REO Acquisition in a manner
that  preserves the ability to apply the proceeds of such Pledged Assets against
amounts owed under the defaulted  Mortgage Loan. Any proceeds realized from such
Pledged  Assets  (other  than  amounts to be released  to the  Mortgagor  or the
related  guarantor in accordance  with procedures that the Master Servicer would
follow in  servicing  loans held for its own  account,  subject to the terms and
conditions  of the  related  Mortgage  and  Mortgage  Note and to the  terms and
conditions of any security  agreement,  guarantee  agreement,  mortgage or other
agreement  governing  the  disposition  of the proceeds of such Pledged  Assets)
shall be deposited in the Custodial Account,  subject to withdrawal  pursuant to
Section 3.10.  Any other payment  received by the Master  Servicer in respect of
such  Pledged  Assets shall be deposited  in the  Custodial  Account  subject to
withdrawal pursuant to Section 3.10.

               Concurrently  with the foregoing,  the Master Servicer may pursue
any  remedies  that  may  be  available  in  connection   with  a  breach  of  a
representation and warranty with respect to any such Mortgage Loan in accordance
with Sections  2.03 and 2.04.  However,  the Master  Servicer is not required to
continue to pursue both  foreclosure  (or similar  remedies) with respect to the
Mortgage Loans and remedies in connection with a breach of a representation  and
warranty if the Master Servicer determines in its reasonable discretion that one
such  remedy is more likely to result in a greater  recovery as to the  Mortgage
Loan. Upon the occurrence of a Cash  Liquidation or REO  Disposition,  following
the deposit in the  Custodial  Account of all  Insurance  Proceeds,  Liquidation
Proceeds and other  payments and  recoveries  referred to in the  definition  of
"Cash  Liquidation"  or "REO  Disposition,"  as applicable,  upon receipt by the
Trustee of written  notification of such deposit signed by a Servicing  Officer,
the Trustee or any  Custodian,  as the case may be, shall  release to the Master
Servicer the related  Mortgage  File and the Trustee  shall  execute and deliver
such instruments of transfer or assignment  prepared by the Master Servicer,  in
each case without recourse, as shall be necessary to vest in the Master Servicer
or its designee,  as the case may be, the related  Mortgage Loan, and thereafter
such  Mortgage  Loan shall not be part of the Trust  Fund.  Notwithstanding  the
foregoing or any other  provision of this  Agreement,  in the Master  Servicer's
sole discretion  with respect to any defaulted  Mortgage Loan or REO Property as

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<PAGE>

to either of the following provisions, (i) a Cash Liquidation or REO Disposition
may be deemed to have  occurred if  substantially  all  amounts  expected by the
Master Servicer to be received in connection with the related defaulted Mortgage
Loan or REO Property have been  received,  and (ii) for purposes of  determining
the amount of any Liquidation Proceeds,  Insurance Proceeds, REO Proceeds or any
other  unscheduled  collections  or the amount of any Realized  Loss, the Master
Servicer may take into account minimal amounts of additional  receipts  expected
to be received or any estimated  additional  liquidation expenses expected to be
incurred in connection with the related defaulted Mortgage Loan or REO Property.

(b) If title to any  Mortgaged  Property is acquired by the Trust Fund as an REO
Property  by  foreclosure  or by  deed  in  lieu  of  foreclosure,  the  deed or
certificate  of sale shall be issued to the  Trustee or to its nominee on behalf
of  Certificateholders.  Notwithstanding  any  such  acquisition  of  title  and
cancellation  of the related  Mortgage Loan,  such REO Property shall (except as
otherwise expressly provided herein) be considered to be an Outstanding Mortgage
Loan held in the Trust Fund until such time as the REO  Property  shall be sold.
Consistent with the foregoing for purposes of all calculations hereunder so long
as such REO Property shall be considered to be an  Outstanding  Mortgage Loan it
shall be assumed that,  notwithstanding  that the indebtedness  evidenced by the
related  Mortgage  Note shall have been  discharged,  such Mortgage Note and the
related  amortization  schedule in effect at the time of any such acquisition of
title  (after  giving  effect  to  any  previous  Curtailments  and  before  any
adjustment  thereto by reason of any  bankruptcy  or similar  proceeding  or any
moratorium or similar waiver or grace period) remain in effect.

(c) If the Trust Fund  acquires  any REO  Property as  aforesaid or otherwise in
connection  with a default or imminent  default on a Mortgage  Loan,  the Master
Servicer on behalf of the Trust Fund shall  dispose of such REO Property as soon
as   practicable,   giving   due   consideration   to  the   interests   of  the
Certificateholders,  but in all cases  within three full years after the taxable
year of its acquisition by the Trust Fund for purposes of Section  860G(a)(8) of
the Code (or such shorter  period as may be  necessary  under  applicable  state
(including  any state in which such  property  is located)  law to maintain  the
status of any portion of any REMIC formed under the Series Supplement as a REMIC
under  applicable state law and avoid taxes resulting from such property failing
to be foreclosure property under applicable state law) or, at the expense of the
Trust Fund, request, more than 60 days before the day on which such grace period
would  otherwise  expire,  an extension  of such grace period  unless the Master
Servicer  (subject  to Section  10.01(f))  obtains for the Trustee an Opinion of
Counsel,  addressed to the Trustee and the Master  Servicer,  to the effect that
the  holding by the Trust Fund of such REO  Property  subsequent  to such period
will not  result in the  imposition  of taxes on  "prohibited  transactions"  as
defined in Section  860F of the Code or cause any REMIC  formed under the Series
Supplement to fail to qualify as a REMIC (for federal (or any  applicable  State
or  local)  income  tax  purposes)  at  any  time  that  any   Certificates  are
outstanding, in which case the Trust Fund may continue to hold such REO Property
(subject to any  conditions  contained in such  Opinion of Counsel).  The Master
Servicer shall be entitled to be reimbursed  from the Custodial  Account for any
costs  incurred in  obtaining  such  Opinion of Counsel,  as provided in Section
3.10.  Notwithstanding  any other provision of this  Agreement,  no REO Property

                                       59
<PAGE>

acquired by the Trust Fund shall be rented (or allowed to continue to be rented)
or otherwise used by or on behalf of the Trust Fund in such a manner or pursuant
to any terms  that  would (i) cause  such REO  Property  to fail to  qualify  as
"foreclosure  property" within the meaning of Section  860G(a)(8) of the Code or
(ii) subject the Trust Fund to the imposition of any federal income taxes on the
income earned from such REO  Property,  including any taxes imposed by reason of
Section 860G(c) of the Code,  unless the Master Servicer has agreed to indemnify
and hold  harmless  the Trust Fund with  respect to the  imposition  of any such
taxes.

(d) The  proceeds  of any Cash  Liquidation,  REO  Disposition  or  purchase  or
repurchase of any Mortgage Loan pursuant to the terms of this Agreement, as well
as any recovery resulting from a collection of Liquidation  Proceeds,  Insurance
Proceeds or REO Proceeds,  will be applied in the  following  order of priority:
first, to reimburse the Master Servicer or the related Subservicer in accordance
with Section  3.10(a)(ii);  second, to the  Certificateholders  to the extent of
accrued and unpaid  interest on the Mortgage  Loan,  and any related REO Imputed
Interest,  at the Net Mortgage  Rate (or the  Modified Net Mortgage  Rate in the
case of a Modified Mortgage Loan) to the Due Date prior to the Distribution Date
on which such amounts are to be distributed; third, to the Certificateholders as
a recovery of principal on the Mortgage Loan (or REO Property);  fourth,  to all
Servicing Fees and Subservicing  Fees payable therefrom (and the Master Servicer
and the Subservicer  shall have no claims for any  deficiencies  with respect to
such fees which result from the foregoing allocation); and fifth, to Foreclosure
Profits.

(e) In the event of a default on a Mortgage  Loan one or more of whose  obligors
is not a United States Person, in connection with any foreclosure or acquisition
of a deed in lieu of foreclosure  (together,  "foreclosure")  in respect of such
Mortgage Loan, the Master Servicer will cause  compliance with the provisions of
Treasury Regulation Section  1.1445-2(d)(3) (or any successor thereto) necessary
to assure that no withholding tax obligation arises with respect to the proceeds
of such  foreclosure  except  to the  extent,  if  any,  that  proceeds  of such
foreclosure are required to be remitted to the obligors on such Mortgage Loan.

Section 3.15.  Trustee to Cooperate; Release of Mortgage Files.
               -----------------------------------------------

(a) Upon becoming aware of the payment in full of any Mortgage Loan, or upon the
receipt by the Master  Servicer of a  notification  that payment in full will be
escrowed in a manner  customary  for such  purposes,  the Master  Servicer  will
immediately  notify the Trustee (if it holds the related  Mortgage  File) or the
Custodian by a certification of a Servicing Officer (which  certification  shall
include a statement to the effect that all amounts received or to be received in
connection with such payment which are required to be deposited in the Custodial
Account   pursuant  to  Section  3.07  have  been  or  will  be  so  deposited),
substantially  in one of the forms attached hereto as Exhibit F, or, in the case
of the Custodian,  an electronic  request in a form acceptable to the Custodian,
requesting  delivery to it of the Mortgage  File.  Within two  Business  Days of
receipt of such certification and request,  the Trustee shall release,  or cause
the Custodian to release, the related Mortgage File to the Master Servicer.  The
Master  Servicer  is  authorized  to execute and  deliver to the  Mortgagor  the
request for  reconveyance,  deed of  reconveyance  or release or satisfaction of
mortgage or such  instrument  releasing the lien of the Mortgage,  together with
the Mortgage Note with, as appropriate, written evidence of cancellation thereon
and to cause the removal  from the  registration  on the MERS(R)  System of such

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<PAGE>

Mortgage  and to  execute  and  deliver,  on  behalf  of  the  Trustee  and  the
Certificateholders  or any of them, any and all  instruments of  satisfaction or
cancellation or of partial or full release.  No expenses  incurred in connection
with any instrument of satisfaction or deed of reconveyance  shall be chargeable
to the Custodial Account or the Certificate Account.

(b) From time to time as is appropriate  for the servicing or foreclosure of any
Mortgage Loan, the Master  Servicer shall deliver to the Custodian,  with a copy
to the Trustee, a certificate of a Servicing Officer substantially in one of the
forms  attached  as  Exhibit F  hereto,  or,  in the case of the  Custodian,  an
electronic  request  in a form  acceptable  to the  Custodian,  requesting  that
possession  of all, or any document  constituting  part of, the Mortgage File be
released to the Master Servicer and certifying as to the reason for such release
and that such release will not  invalidate  any insurance  coverage  provided in
respect of the Mortgage Loan under any Required  Insurance Policy.  Upon receipt
of the foregoing,  the Trustee shall deliver, or cause the Custodian to deliver,
the Mortgage  File or any document  therein to the Master  Servicer.  The Master
Servicer  shall cause each Mortgage File or any document  therein so released to
be returned to the Trustee,  or the  Custodian as agent for the Trustee when the
need therefor by the Master  Servicer no longer exists,  unless (i) the Mortgage
Loan has been liquidated and the Liquidation  Proceeds  relating to the Mortgage
Loan have been  deposited in the Custodial  Account or (ii) the Mortgage File or
such  document  has been  delivered  directly  or  through a  Subservicer  to an
attorney,  or to a public  trustee or other public  official as required by law,
for purposes of initiating or pursuing legal action or other proceedings for the
foreclosure of the Mortgaged Property either judicially or  non-judicially,  and
the Master  Servicer  has  delivered  directly or through a  Subservicer  to the
Trustee a  certificate  of a  Servicing  Officer  certifying  as to the name and
address of the Person to which such Mortgage File or such document was delivered
and the purpose or purposes of such delivery. In the event of the liquidation of
a Mortgage  Loan, the Trustee shall deliver the Request for Release with respect
thereto to the Master Servicer upon deposit of the related Liquidation  Proceeds
in the Custodial Account.

(c) The Trustee or the Master Servicer on the Trustee's behalf shall execute and
deliver to the Master Servicer, if necessary, any court pleadings,  requests for
trustee's sale or other documents necessary to the foreclosure or trustee's sale
in respect of a  Mortgaged  Property  or to any legal  action  brought to obtain
judgment  against any  Mortgagor on the Mortgage Note or Mortgage or to obtain a
deficiency judgment,  or to enforce any other remedies or rights provided by the
Mortgage Note or Mortgage or otherwise  available at law or in equity.  Together
with such documents or pleadings (if signed by the Trustee), the Master Servicer
shall deliver to the Trustee a  certificate  of a Servicing  Officer  requesting
that such pleadings or documents be executed by the Trustee and certifying as to
the reason such  documents or pleadings  are required and that the execution and
delivery thereof by the Trustee will not invalidate any insurance coverage under
any Required  Insurance Policy or invalidate or otherwise affect the lien of the
Mortgage,  except  for the  termination  of such a lien upon  completion  of the
foreclosure or trustee's sale.

Section 3.16.  Servicing and Other Compensation; Compensating Interest.
               ---------------------------------------------------------

(a) The Master Servicer, as compensation for its activities hereunder,  shall be
entitled  to receive  on each  Distribution  Date the  amounts  provided  for by
clauses  (iii),  (iv),  (v) and (vi) of Section  3.10(a),  subject to clause (e)
below. The amount of servicing  compensation  provided for in such clauses shall
be accounted for on a Mortgage  Loan-by-Mortgage  Loan basis.  In the event that

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<PAGE>

Liquidation  Proceeds,  Insurance  Proceeds  and REO  Proceeds  (net of  amounts
reimbursable  therefrom  pursuant to Section  3.10(a)(ii))  in respect of a Cash
Liquidation  or REO  Disposition  exceed  the unpaid  principal  balance of such
Mortgage  Loan plus  unpaid  interest  accrued  thereon  (including  REO Imputed
Interest)  at a per annum rate equal to the  related Net  Mortgage  Rate (or the
Modified Net Mortgage Rate in the case of a Modified  Mortgage Loan), the Master
Servicer  shall be entitled to retain  therefrom and to pay to itself and/or the
related   Subservicer,   any  Foreclosure  Profits  and  any  Servicing  Fee  or
Subservicing Fee considered to be accrued but unpaid.

(b)  Additional  servicing  compensation  in the  form  of  prepayment  charges,
assumption  fees,  late  payment  charges,  investment  income on amounts in the
Custodial  Account or the Certificate  Account or otherwise shall be retained by
the Master Servicer or the Subservicer to the extent provided herein, subject to
clause (e) below.

(c) The Master  Servicer  shall be  required  to pay,  or cause to be paid,  all
expenses  incurred by it in connection with its servicing  activities  hereunder
(including  payment of premiums for the Primary Insurance  Policies,  if any, to
the extent such premiums are not required to be paid by the related  Mortgagors,
and the fees and  expenses of the Trustee  and any  Custodian)  and shall not be
entitled to reimbursement  therefor except as specifically  provided in Sections
3.10 and 3.14.

(d) The Master  Servicer's  right to receive  servicing  compensation may not be
transferred in whole or in part except in connection with the transfer of all of
its   responsibilities  and  obligations  of  the  Master  Servicer  under  this
Agreement.

(e)  Notwithstanding  any  other  provision  herein,  the  amount  of  servicing
compensation  that the Master  Servicer  shall be  entitled  to receive  for its
activities  hereunder for the period ending on each  Distribution  Date shall be
reduced  (but not below zero) by an amount  equal to  Compensating  Interest (if
any) for such  Distribution  Date.  Such reduction  shall be applied during such
period as follows:  first, to any Servicing Fee or Subservicing Fee to which the
Master Servicer is entitled pursuant to Section 3.10(a)(iii), and second, to any
income or gain  realized  from any  investment  of funds  held in the  Custodial
Account or the  Certificate  Account to which the Master  Servicer  is  entitled
pursuant to Sections 3.07(c) or 4.01(b), respectively. In making such reduction,
the Master  Servicer (i) will not withdraw from the  Custodial  Account any such
amount  representing  all or a  portion  of the  Servicing  Fee to  which  it is
entitled pursuant to Section  3.10(a)(iii),  and (ii) will not withdraw from the
Custodial Account or Certificate Account any such amount to which it is entitled
pursuant to Section 3.07(c) or 4.01(b).

Section 3.17.  Reports to the Trustee and the Company.
               --------------------------------------

        Not later than fifteen  days after each  Distribution  Date,  the Master
Servicer shall forward to the Trustee and the Company a statement,  certified by
a Servicing Officer, setting forth the status of the Custodial Account as of the
close of business on such  Distribution Date as it relates to the Mortgage Loans
and showing, for the period covered by such statement, the aggregate of deposits

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<PAGE>

in or  withdrawals  from the Custodial  Account in respect of the Mortgage Loans
for each  category of deposit  specified  in Section  3.07 and each  category of
withdrawal specified in Section 3.10.

Section 3.18.  Annual Statement as to Compliance.
               ---------------------------------

        The Master  Servicer  will deliver to the  Company,  the Trustee and any
Certificate Insurer on or before March 31 of each year, beginning with the first
March 31 that occurs at least six months  after the Cut-off  Date,  an Officers'
Certificate  stating,  as to each  signer  thereof,  that  (i) a  review  of the
activities of the Master Servicer during the preceding  calendar year related to
its servicing of mortgage loans and its performance  under pooling and servicing
agreements,  including  this  Agreement,  has been  made  under  such  officers'
supervision, (ii) to the best of such officers' knowledge, based on such review,
the Master  Servicer  has  complied in all  material  respects  with the minimum
servicing  standards  set forth in the Uniform  Single  Attestation  Program for
Mortgage Bankers and has fulfilled all of its material  obligations  relating to
this Agreement in all material  respects  throughout such year, or, if there has
been material  noncompliance  with such servicing  standards or a default in the
fulfillment  in all material  respects of any such  obligation  relating to this
Agreement,  such statement shall include a description of such  noncompliance or
specify  each such  default,  as the case may be,  known to such officer and the
nature and status  thereof  and (iii) to the best of such  officers'  knowledge,
each  Subservicer  has  complied  in all  material  respects  with  the  minimum
servicing  standards  set forth in the Uniform  Single  Attestation  Program for
Mortgage  Bankers and has  fulfilled all of its material  obligations  under its
Subservicing  Agreement in all material  respects  throughout  such year, or, if
there  has been  material  noncompliance  with  such  servicing  standards  or a
material  default  in the  fulfillment  of  such  obligations  relating  to this
Agreement,  such statement shall include a description of such  noncompliance or
specify  each such  default,  as the case may be,  known to such officer and the
nature and status thereof.

Section 3.19.  Annual Independent Public Accountants' Servicing Report.
               --------------------------------------------------------

        On or before  March 31 of each year,  beginning  with the first March 31
that occurs at least six months after the Cut-off Date,  the Master  Servicer at
its expense shall cause a firm of independent public accountants, which shall be
members of the American Institute of Certified Public Accountants,  to furnish a
report to the Company and the Trustee  stating its opinion that, on the basis of
an examination conducted by such firm substantially in accordance with standards
established  by the  American  Institute of Certified  Public  Accountants,  the
assertions  made pursuant to Section 3.18 regarding  compliance with the minimum
servicing  standards  set forth in the Uniform  Single  Attestation  Program for
Mortgage  Bankers  during the  preceding  calendar year are fairly stated in all
material respects,  subject to such exceptions and other qualifications that, in
the opinion of such firm, such  accounting  standards  require it to report.  In
rendering  such  statement,  such firm may rely,  as to matters  relating to the
direct servicing of mortgage loans by Subservicers,  upon comparable  statements
for examinations  conducted by independent public  accountants  substantially in
accordance  with standards  established  by the American  Institute of Certified
Public Accountants  (rendered within one year of such statement) with respect to
such Subservicers.

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<PAGE>

Section 3.20.  Rights of the Company in Respect of the Master Servicer.
               --------------------------------------------------------

        The Master Servicer shall afford the Company,  upon  reasonable  notice,
during  normal  business  hours access to all records  maintained  by the Master
Servicer  in  respect  of its rights  and  obligations  hereunder  and access to
officers of the Master Servicer responsible for such obligations.  Upon request,
the Master  Servicer  shall  furnish the Company with its most recent  financial
statements and such other information as the Master Servicer possesses regarding
its business,  affairs,  property and  condition,  financial or  otherwise.  The
Master   Servicer  shall  also  cooperate  with  all  reasonable   requests  for
information  including,  but not limited to, notices, tapes and copies of files,
regarding  itself,  the Mortgage  Loans or the  Certificates  from any Person or
Persons identified by the Company or Residential  Funding.  The Company may, but
is not obligated to, enforce the  obligations of the Master  Servicer  hereunder
and may, but is not obligated to, perform,  or cause a designee to perform,  any
defaulted  obligation of the Master Servicer hereunder or exercise the rights of
the Master  Servicer  hereunder;  provided that the Master Servicer shall not be
relieved of any of its  obligations  hereunder by virtue of such  performance by
the Company or its designee.  The Company shall not have any  responsibility  or
liability  for any action or failure  to act by the Master  Servicer  and is not
obligated  to  supervise  the  performance  of the  Master  Servicer  under this
Agreement or otherwise.

Section 3.21.  Administration of Buydown Funds

(a) With respect to any Buydown  Mortgage  Loan, the  Subservicer  has deposited
Buydown Funds in an account that satisfies the  requirements  for a Subservicing
Account  (the  "Buydown   Account").   The  Master   Servicer  shall  cause  the
Subservicing  Agreement to require  that upon receipt from the  Mortgagor of the
amount due on a Due Date for each Buydown  Mortgage Loan, the  Subservicer  will
withdraw from the Buydown Account the  predetermined  amount that, when added to
the amount due on such date from the Mortgagor,  equals the full Monthly Payment
and  transmit  that  amount in  accordance  with the  terms of the  Subservicing
Agreement to the Master  Servicer  together with the related payment made by the
Mortgagor or advanced by the Subservicer.

(b) If the  Mortgagor  on a  Buydown  Mortgage  Loan  prepays  such  loan in its
entirety  during  the period  (the  "Buydown  Period")  when  Buydown  Funds are
required to be applied to such Buydown  Mortgage Loan, the Subservicer  shall be
required to  withdraw  from the  Buydown  Account  and remit any  Buydown  Funds
remaining  in the  Buydown  Account  in  accordance  with  the  related  buydown
agreement.  The amount of Buydown Funds which may be remitted in accordance with
the related  buydown  agreement may reduce the amount required to be paid by the
Mortgagor  to fully  prepay the related  Mortgage  Loan.  If the  Mortgagor on a
Buydown  Mortgage Loan defaults on such Mortgage Loan during the Buydown  Period
and the property  securing such Buydown Mortgage Loan is sold in the liquidation
thereof  (either by the Master Servicer or the insurer under any related Primary
Insurance  Policy),  the  Subservicer  shall be required  to  withdraw  from the
Buydown  Account the Buydown Funds for such Buydown  Mortgage Loan still held in
the Buydown Account and remit the same to the Master Servicer in accordance with
the terms of the Subservicing Agreement for deposit in the Custodial Account or,
if  instructed  by the Master  Servicer,  pay to the  insurer  under any related

                                      64
<PAGE>

Primary  Insurance  Policy if the  Mortgaged  Property  is  transferred  to such
insurer  and such  insurer  pays all of the loss  incurred  in  respect  of such
default.  Any amount so remitted  pursuant  to the  preceding  sentence  will be
deemed to reduce the amount owed on the Mortgage Loan.

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<PAGE>

                                   ARTICLE IV

                         PAYMENTS TO CERTIFICATEHOLDERS

Section 4.01.  Certificate Account.
               -------------------

(a) The Master  Servicer on behalf of the Trustee shall establish and maintain a
Certificate  Account in which the Master Servicer shall cause to be deposited on
behalf of the Trustee on or before 2:00 P.M.  New York time on each  Certificate
Account  Deposit Date by wire transfer of immediately  available funds an amount
equal to the sum of (i) any Advance for the immediately succeeding  Distribution
Date,  (ii) any amount  required  to be  deposited  in the  Certificate  Account
pursuant to Section  3.12(a),  (iii) any amount  required to be deposited in the
Certificate Account pursuant to Section 3.16(e) or Section 4.07, (iv) any amount
required  to be  paid  pursuant  to  Section  9.01  and (v)  all  other  amounts
constituting the Available  Distribution  Amount for the immediately  succeeding
Distribution Date.

(b) The Trustee shall, upon written request from the Master Servicer,  invest or
cause the institution maintaining the Certificate Account to invest the funds in
the Certificate Account in Permitted  Investments  designated in the name of the
Trustee for the  benefit of the  Certificateholders,  which  shall  mature or be
payable  on  demand  not  later  than  the  Business  Day  next   preceding  the
Distribution  Date next following the date of such  investment  (except that (i)
any  investment  in the  institution  with  which  the  Certificate  Account  is
maintained may mature or be payable on demand on such Distribution Date and (ii)
any other  investment  may mature or be  payable on demand on such  Distribution
Date  if the  Trustee  shall  advance  funds  on such  Distribution  Date to the
Certificate   Account  in  the  amount  payable  on  such   investment  on  such
Distribution  Date,  pending  receipt  thereof to the extent  necessary  to make
distributions on the Certificates) and shall not be sold or disposed of prior to
maturity. Subject to Section 3.16(e), all income and gain realized from any such
investment  shall be for the benefit of the Master Servicer and shall be subject
to its withdrawal or order from time to time. The amount of any losses  incurred
in respect of any such investments shall be deposited in the Certificate Account
by the Master Servicer out of its own funds  immediately as realized without any
right of reimbursement.

Section 4.02.  Distributions.
               -------------

                      As provided in Section 4.02 of the Series Supplement.

Section 4.03.  Statements to Certificateholders.
               --------------------------------

     (a) Concurrently with each distribution  charged to the Certificate Account
and with respect to each  Distribution Date the Master Servicer shall forward to
the Trustee and the Trustee  shall either  forward by mail or make  available to
each Holder and the Company,  via the Trustee's  internet  website,  a statement
(and at its option,  any additional  files containing the same information in an
alternative  format) setting forth information as to each Class of Certificates,
the  Mortgage  Pool and, if the  Mortgage  Pool is comprised of two or more Loan
Groups,  each Loan Group, to the extent applicable.  This statement will include
the information set forth in an exhibit to the Series  Supplement.  Such exhibit
shall set forth the Trustee's  internet  website  address  together with a phone
number.  The Trustee  shall mail to each  Holder  that  requests a paper copy by
telephone  a paper  copy via first  class  mail.  The  Trustee  may  modify  the
distribution  procedures set forth in this Section provided that such procedures
are no less  convenient  for the  Certificateholders.  The Trustee shall provide

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prior   notification   to   the   Company,   the   Master   Servicer   and   the
Certificateholders  regarding  any such  modification.  In addition,  the Master
Servicer shall provide to any manager of a trust fund  consisting of some or all
of the Certificates,  upon reasonable request, such additional information as is
reasonably  obtainable by the Master  Servicer at no  additional  expense to the
Master Servicer.

     (b) Within a reasonable period of time after the end of each calendar year,
the Master Servicer shall prepare,  or cause to be prepared,  and shall forward,
or cause to be  forwarded,  to each Person who at any time  during the  calendar
year was the  Holder  of a  Certificate,  other  than a Class R  Certificate,  a
statement  containing the  information  set forth in clauses (i) and (ii) of the
exhibit to the Series Supplement  referred to in subsection (a) above aggregated
for such calendar year or applicable  portion  thereof  during which such Person
was a Certificateholder.  Such obligation of the Master Servicer shall be deemed
to have been satisfied to the extent that substantially  comparable  information
shall be provided by the Master  Servicer  pursuant to any  requirements  of the
Code.

     (c) Within a reasonable period of time after the end of each calendar year,
the Master Servicer shall prepare,  or cause to be prepared,  and shall forward,
or cause to be  forwarded,  to each Person who at any time  during the  calendar
year  was the  Holder  of a Class R  Certificate,  a  statement  containing  the
applicable  distribution  information  provided  pursuant to this  Section  4.03
aggregated  for such calendar year or applicable  portion  thereof  during which
such  Person was the Holder of a Class R  Certificate.  Such  obligation  of the
Master  Servicer  shall be deemed  to have been  satisfied  to the  extent  that
substantially  comparable  information  shall be provided by the Master Servicer
pursuant to any requirements of the Code.

     (d) Upon the written request of any Certificateholder, the Master Servicer,
as   soon   as   reasonably   practicable,    shall   provide   the   requesting
Certificateholder with such information as is necessary and appropriate,  in the
Master  Servicer's  sole  discretion,  for  purposes  of  satisfying  applicable
reporting requirements under Rule 144A.

Section               4.04.  Distribution  of  Reports  to the  Trustee  and the
                      Company; Advances by the Master Servicer.

(a)  Prior to the  close of  business  on the  Determination  Date,  the  Master
Servicer  shall  furnish a written  statement  to the Trustee,  any  Certificate
Insurer,  any Paying Agent and the Company (the information in such statement to
be made  available  to  Certificateholders  by the Master  Servicer  on request)
setting  forth  (i) the  Available  Distribution  Amount  and (ii)  the  amounts
required to be  withdrawn  from the  Custodial  Account and  deposited  into the
Certificate  Account on the immediately  succeeding  Certificate Account Deposit
Date  pursuant to clause  (iii) of Section  4.01(a).  The  determination  by the
Master  Servicer of such  amounts  shall,  in the absence of obvious  error,  be
presumptively  deemed to be correct for all purposes  hereunder  and the Trustee
shall be protected in relying  upon the same  without any  independent  check or
verification.

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<PAGE>

(b) On or before 2:00 P.M.  New York time on each  Certificate  Account  Deposit
Date, the Master  Servicer shall either (i) deposit in the  Certificate  Account
from its own funds, or funds received therefor from the Subservicers,  an amount
equal to the  Advances  to be made by the  Master  Servicer  in  respect  of the
related  Distribution  Date,  which shall be in an aggregate amount equal to the
aggregate  amount of  Monthly  Payments  (with  each  interest  portion  thereof
adjusted to the Net  Mortgage  Rate),  less the amount of any related  Servicing
Modifications,  Debt Service  Reductions or reductions in the amount of interest
collectable  from the Mortgagor  pursuant to the  Soldiers'  and Sailors'  Civil
Relief Act of 1940, as amended,  or similar  legislation or regulations  then in
effect,  on the  Outstanding  Mortgage  Loans as of the related Due Date,  which
Monthly  Payments were  delinquent as of the close of business as of the related
Determination  Date;  provided  that no  Advance  shall be made if it would be a
Nonrecoverable  Advance,  (ii) withdraw from amounts on deposit in the Custodial
Account  and deposit in the  Certificate  Account all or a portion of the Amount
Held for Future  Distribution  in discharge of any such  Advance,  or (iii) make
advances in the form of any  combination of (i) and (ii)  aggregating the amount
of such Advance.  Any portion of the Amount Held for Future Distribution so used
shall be replaced by the Master Servicer by deposit in the  Certificate  Account
on or before 11:00 A.M. New York time on any future Certificate  Account Deposit
Date to the  extent  that  funds  attributable  to the  Mortgage  Loans that are
available in the  Custodial  Account for deposit in the  Certificate  Account on
such   Certificate   Account  Deposit  Date  shall  be  less  than  payments  to
Certificateholders  required to be made on the following  Distribution Date. The
Master  Servicer  shall be entitled to use any Advance made by a Subservicer  as
described in Section 3.07(b) that has been deposited in the Custodial Account on
or before  such  Distribution  Date as part of the  Advance  made by the  Master
Servicer pursuant to this Section 4.04. The amount of any reimbursement pursuant
to Section 4.02(a) in respect of outstanding  Advances on any Distribution  Date
shall be allocated to specific  Monthly Payments due but delinquent for previous
Due Periods,  which  allocation  shall be made,  to the extent  practicable,  to
Monthly Payments which have been delinquent for the longest period of time. Such
allocations  shall be  conclusive  for purposes of  reimbursement  to the Master
Servicer from recoveries on related Mortgage Loans pursuant to Section 3.10.

        The   determination   by  the  Master   Servicer  that  it  has  made  a
Nonrecoverable Advance or that any proposed Advance, if made, would constitute a
Nonrecoverable  Advance,  shall be evidenced by an Officers'  Certificate of the
Master Servicer delivered to the Company and the Trustee.

        If the Master  Servicer  determines as of the Business Day preceding any
Certificate  Account  Deposit  Date  that it will be unable  to  deposit  in the
Certificate  Account an amount equal to the Advance  required to be made for the
immediately succeeding Distribution Date, it shall give notice to the Trustee of
its inability to advance (such notice may be given by telecopy),  not later than
3:00 P.M.,  New York time, on such Business Day,  specifying the portion of such
amount  that it will be unable to  deposit.  Not later than 3:00 P.M.,  New York
time, on the Certificate Account Deposit Date the Trustee shall, unless by 12:00
Noon, New York time, on such day the Trustee shall have been notified in writing
(by  telecopy)  that the Master  Servicer  shall  have  directly  or  indirectly
deposited in the  Certificate  Account such portion of the amount of the Advance
as to which  the  Master  Servicer  shall  have  given  notice  pursuant  to the
preceding  sentence,  pursuant to Section 7.01,  (a) terminate all of the rights
and  obligations of the Master  Servicer under this Agreement in accordance with

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<PAGE>

Section 7.01 and (b) assume the rights and  obligations  of the Master  Servicer
hereunder,  including the  obligation to deposit in the  Certificate  Account an
amount equal to the Advance for the immediately succeeding Distribution Date.

        The Trustee shall deposit all funds it receives pursuant to this Section
4.04 into the Certificate Account.

Section 4.05.  Allocation of Realized Losses.
               -----------------------------

                             As   provided   in  Section   4.05  of  the  Series
Supplement.

Section 4.06.  Reports of Foreclosures and Abandonment of Mortgaged Property.
               --------------------------------------------------------------

        The Master Servicer or the Subservicers  shall file information  returns
with  respect  to the  receipt  of  mortgage  interests  received  in a trade or
business, the reports of foreclosures and abandonments of any Mortgaged Property
and the information returns relating to cancellation of indebtedness income with
respect to any Mortgaged  Property required by Sections 6050H,  6050J and 6050P,
respectively,  of the Code, and deliver to the Trustee an Officers'  Certificate
on or before  March 31 of each year  stating  that such reports have been filed.
Such reports  shall be in form and  substance  sufficient  to meet the reporting
requirements imposed by Sections 6050H, 6050J and 6050P of the Code.

Section 4.07.  Optional Purchase of Defaulted Mortgage Loans.
               ----------------------------------------------

        As to any  Mortgage  Loan which is  delinquent  in payment by 90 days or
more, the Master  Servicer may, at its option,  purchase such Mortgage Loan from
the Trustee at the Purchase Price  therefor.  If at any time the Master Servicer
makes a payment to the Certificate  Account  covering the amount of the Purchase
Price for such a Mortgage Loan, and the Master Servicer  provides to the Trustee
a  certification  signed by a Servicing  Officer stating that the amount of such
payment has been deposited in the  Certificate  Account,  then the Trustee shall
execute  the  assignment  of such  Mortgage  Loan at the  request  of the Master
Servicer without recourse to the Master Servicer, which shall succeed to all the
Trustee's  right,  title and  interest  in and to such  Mortgage  Loan,  and all
security and documents relative thereto.  Such assignment shall be an assignment
outright and not for  security.  The Master  Servicer  will  thereupon  own such
Mortgage, and all such security and documents, free of any further obligation to
the Trustee or the Certificateholders with respect thereto.

        If,  however,  the Master  Servicer  shall have  exercised  its right to
repurchase  a Mortgage  Loan  pursuant  to this  Section  4.07 upon the  written
request of and with funds provided by the Junior Certificateholder and thereupon
transferred  such  Mortgage  Loan to the  Junior  Certificateholder,  the Master
Servicer shall so notify the Trustee in writing.

Section 4.08.  Surety Bond.
               -----------

(a) If a Required  Surety  Payment is payable  pursuant  to the Surety Bond with
respect to any Additional  Collateral  Loan, the Master Servicer shall so notify
the Trustee as soon as reasonably  practicable  and the Trustee  shall  promptly
complete  the notice in the form of  Attachment  1 to the Surety  Bond and shall
promptly submit such notice to the Surety as a claim for a Required Surety.  The
Master  Servicer shall upon request assist the Trustee in completing such notice
and shall  provide  any  information  requested  by the  Trustee  in  connection
therewith.

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<PAGE>

(b) Upon receipt of a Required  Surety  Payment from the Surety on behalf of the
Holders of Certificates,  the Trustee shall deposit such Required Surety Payment
in the Certificate Account and shall distribute such Required Surety Payment, or
the proceeds thereof, in accordance with the provisions of Section 4.02.

(c) The  Trustee  shall (i)  receive  as  attorney-in-fact  of each  Holder of a
Certificate  any Required  Surety  Payment from the Surety and (ii) disburse the
same to the Holders of such Certificates as set forth in Section 4.02.

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<PAGE>

                                   ARTICLE V

                                THE CERTIFICATES

Section 5.01.  The Certificates.
               ----------------

(a) The Senior, Class M, Class B and Class R Certificates shall be substantially
in the forms set forth in Exhibits A, B, C and D,  respectively,  and shall,  on
original  issue,  be executed and  delivered  by the Trustee to the  Certificate
Registrar  for  authentication  and delivery to or upon the order of the Company
upon receipt by the Trustee or one or more Custodians of the documents specified
in Section 2.01. The Certificates shall be issuable in the minimum denominations
designated in the Preliminary Statement to the Series Supplement.

        The Certificates  shall be executed by manual or facsimile  signature on
behalf of an authorized officer of the Trustee.  Certificates bearing the manual
or facsimile  signatures of individuals who were at any time the proper officers
of the Trustee shall bind the Trustee,  notwithstanding that such individuals or
any of them have ceased to hold such  offices  prior to the  authentication  and
delivery of such  Certificate  or did not hold such  offices at the date of such
Certificates.  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 the Certificate Registrar by manual signature,  and such certificate
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.

(b) Except as provided below, registration of Book-Entry Certificates may not be
transferred by the Trustee except to another Depository that agrees to hold such
Certificates  for the respective  Certificate  Owners with  Ownership  Interests
therein. The Holders of the Book-Entry  Certificates shall hold their respective
Ownership  Interests in and to each of such Certificates  through the book-entry
facilities  of the  Depository  and,  except  as  provided  below,  shall not be
entitled to Definitive Certificates in respect of such Ownership Interests.  All
transfers by Certificate Owners of their respective  Ownership  Interests in the
Book-Entry  Certificates  shall  be  made  in  accordance  with  the  procedures
established by the Depository  Participant or brokerage firm  representing  such
Certificate  Owner.  Each  Depository  Participant  shall transfer the Ownership
Interests  only  in  the  Book-Entry   Certificates  of  Certificate  Owners  it
represents or of brokerage  firms for which it acts as agent in accordance  with
the Depository's normal procedures.

        The  Trustee,  the Master  Servicer and the Company may for all purposes
(including  the making of payments due on the  respective  Classes of Book-Entry
Certificates)  deal with the Depository as the authorized  representative of the
Certificate  Owners  with  respect  to  the  respective  Classes  of  Book-Entry
Certificates  for the purposes of  exercising  the rights of  Certificateholders
hereunder.  The rights of  Certificate  Owners  with  respect to the  respective
Classes of Book-Entry  Certificates shall be limited to those established by law
and agreements between such Certificate  Owners and the Depository  Participants
and brokerage firms representing such Certificate Owners.  Multiple requests and

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<PAGE>

directions  from,  and  votes  of,  the  Depository  as  Holder  of any Class of
Book-Entry  Certificates  with  respect to any  particular  matter  shall not be
deemed  inconsistent  if they are made with  respect  to  different  Certificate
Owners.  The Trustee may establish a reasonable  record date in connection  with
solicitations  of consents from or voting by  Certificateholders  and shall give
notice to the Depository of such record date.

        If (i)(A) the Company advises the Trustee in writing that the Depository
is no longer  willing or able to  properly  discharge  its  responsibilities  as
Depository and (B) the Company is unable to locate a qualified successor or (ii)
the  Company  at its option  advises  the  Trustee in writing  that it elects to
terminate the book-entry system through the Depository, the Trustee shall notify
all Certificate  Owners,  through the Depository,  of the occurrence of any such
event and of the availability of Definitive  Certificates to Certificate  Owners
requesting   the  same.   Upon  surrender  to  the  Trustee  of  the  Book-Entry
Certificates by the Depository,  accompanied by registration  instructions  from
the  Depository  for  registration  of  transfer,  the  Trustee  shall issue the
Definitive  Certificates.  Neither  the  Company,  the Master  Servicer  nor the
Trustee shall be liable for any actions taken by the  Depository or its nominee,
including,  without  limitation,  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 Company in connection with
the issuance of the Definitive  Certificates pursuant to this Section 5.01 shall
be deemed to be imposed upon and  performed by the Trustee,  and the Trustee and
the Master Servicer shall  recognize the Holders of the Definitive  Certificates
as Certificateholders hereunder.

(c) From time to time  Residential  Funding,  as the initial Holder of the Class
A-V  Certificates,  may  exchange  such  Holder's  Class  A-V  Certificates  for
Subclasses  of Class A-V  Certificates  to be issued  under  this  Agreement  by
delivering a "Request for Exchange" substantially in the form attached hereto as
Exhibit N executed by an authorized officer, which Subclasses, in the aggregate,
will   represent  the   Uncertificated   Class  A-V  REMIC   Regular   Interests
corresponding  to the Class A-V  Certificates so surrendered  for exchange.  Any
Subclass so issued  shall bear a  numerical  designation  commencing  with Class
A-V-1 and continuing sequentially thereafter, and will evidence ownership of the
Uncertificated  REMIC Regular Interest or Interests specified in writing by such
initial  Holder to the  Trustee.  The  Trustee  may  conclusively,  without  any
independent  verification,  rely on,  and  shall be  protected  in  relying  on,
Residential  Funding's  determinations  of the  Uncertificated  Class  A-V REMIC
Regular Interests corresponding to any Subclass, the Initial Notional Amount and
the initial  Pass-Through  Rate on a Subclass  as set forth in such  Request for
Exchange and the Trustee  shall have no duty to determine if any  Uncertificated
Class  A-V  REMIC  Regular  Interest   designated  on  a  Request  for  Exchange
corresponds  to a Subclass which has  previously  been issued.  Each Subclass so
issued shall be  substantially  in the form set forth in Exhibit A and shall, on
original  issue,  be executed and  delivered  by the Trustee to the  Certificate
Registrar for  authentication  and delivery in accordance with Section  5.01(a).
Every  Certificate  presented or surrendered  for exchange by the initial Holder
shall (if so  required  by the  Trustee or the  Certificate  Registrar)  be duly
endorsed by, or be accompanied by a written  instrument of transfer  attached to
such  Certificate and shall be completed to the  satisfaction of the Trustee and
the  Certificate  Registrar  duly executed by, the initial Holder thereof or his
attorney duly authorized in writing.  The  Certificates of any Subclass of Class
A-V  Certificates  may be transferred  in whole,  but not in part, in accordance
with the provisions of Section 5.02.

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<PAGE>

Section 5.02.  Registration of Transfer and Exchange of Certificates.
               ------------------------------------------------------

(a) The  Trustee  shall cause to be kept at one of the offices or agencies to be
appointed by the Trustee in  accordance  with the  provisions  of Section 8.12 a
Certificate Register in which, subject to such reasonable  regulations as it may
prescribe, the Trustee shall provide for the registration of Certificates and of
transfers  and  exchanges of  Certificates  as herein  provided.  The Trustee is
initially  appointed  Certificate  Registrar  for  the  purpose  of  registering
Certificates and transfers and exchanges of Certificates as herein provided. The
Certificate Registrar,  or the Trustee, shall provide the Master Servicer with a
certified list of Certificateholders as of each Record Date prior to the related
Determination Date.

(b) Upon surrender for registration of transfer of any Certificate at any office
or agency of the Trustee  maintained  for such purpose  pursuant to Section 8.12
and,  in the  case  of any  Class  M,  Class  B or  Class  R  Certificate,  upon
satisfaction  of the conditions  set forth below,  the Trustee shall execute and
the Certificate  Registrar shall  authenticate  and deliver,  in the name of the
designated  transferee or  transferees,  one or more new  Certificates of a like
Class (or Subclass) and aggregate Percentage Interest.

(c) At the option of the  Certificateholders,  Certificates may be exchanged for
other Certificates of authorized denominations of a like Class (or Subclass) and
aggregate  Percentage  Interest,  upon  surrender  of  the  Certificates  to  be
exchanged  at any such  office  or  agency.  Whenever  any  Certificates  are so
surrendered for exchange the Trustee shall execute and the Certificate Registrar
shall  authenticate  and  deliver  the  Certificates  of such  Class  which  the
Certificateholder  making the exchange is entitled to receive. Every Certificate
presented or  surrendered  for transfer or exchange shall (if so required by the
Trustee or the Certificate  Registrar) be duly endorsed by, or be accompanied by
a written  instrument  of transfer in form  satisfactory  to the Trustee and the
Certificate  Registrar duly executed by, the Holder thereof or his attorney duly
authorized in writing.

(d) No transfer,  sale,  pledge or other  disposition  of a Class B  Certificate
shall be made unless such transfer,  sale, pledge or other disposition is exempt
from the  registration  requirements  of the Securities Act of 1933, as amended,
and any applicable  state securities laws or is made in accordance with said Act
and laws.  In the event that a transfer of a Class B  Certificate  is to be made
either (i)(A) the Trustee shall require a written Opinion of Counsel  acceptable
to and in form and  substance  satisfactory  to the Trustee and the Company that
such transfer may be made pursuant to an exemption,  describing  the  applicable
exemption  and the  basis  therefor,  from  said Act and  laws or is being  made
pursuant to said Act and laws,  which Opinion of Counsel shall not be an expense
of the  Trustee,  the  Company  or the Master  Servicer  (except  that,  if such
transfer is made by the Company or the Master Servicer or any Affiliate thereof,
the Company or the Master  Servicer  shall  provide  such  Opinion of Counsel at
their own  expense);  provided that such Opinion of Counsel will not be required
in connection with the initial  transfer of any such  Certificate by the Company
or any  Affiliate  thereof to the Company or an Affiliate of the Company and (B)
the Trustee shall require the  transferee  to execute a  representation  letter,
substantially in the form of Exhibit H hereto, and the Trustee shall require the
transferor  to execute a  representation  letter,  substantially  in the form of
Exhibit I hereto,  each acceptable to and in form and substance  satisfactory to
the Company and the Trustee  certifying to the Company and the Trustee the facts
surrounding such transfer,  which representation letters shall not be an expense
of the Trustee, the Company or the Master Servicer; provided, however, that such
representation  letters will not be required in connection  with any transfer of
any such  Certificate by the Company or any Affiliate  thereof to the Company or
an Affiliate of the Company,  and the Trustee shall be entitled to  conclusively

                                       73
<PAGE>

rely upon a representation  (which, upon the request of the Trustee,  shall be a
written representation) from the Company, of the status of such transferee as an
Affiliate  of  the  Company  or  (ii)  the  prospective  transferee  of  such  a
Certificate shall be required to provide the Trustee, the Company and the Master
Servicer  with an  investment  letter  substantially  in the form of  Exhibit  J
attached hereto (or such other form as the Company in its sole discretion  deems
acceptable), which investment letter shall not be an expense of the Trustee, the
Company or the Master Servicer,  and which investment  letter states that, among
other  things,  such  transferee  (A) is a  "qualified  institutional  buyer" as
defined  under Rule 144A,  acting for its own  account or the  accounts of other
"qualified  institutional  buyers" as defined under Rule 144A,  and (B) is aware
that the proposed  transferor intends to rely on the exemption from registration
requirements  under the  Securities  Act of 1933,  as amended,  provided by Rule
144A. The Holder of any such  Certificate  desiring to effect any such transfer,
sale, pledge or other disposition shall, and does hereby agree to, indemnify the
Trustee, the Company, the Master Servicer and the Certificate  Registrar against
any liability that may result if the transfer, sale, pledge or other disposition
is not so exempt or is not made in accordance with such federal and state laws.

(e)  (i) In the  case  of any  Class  B or  Class R  Certificate  presented  for
     registration  in the  name of any  Person,  either  (A) the  Trustee  shall
     require  an  Opinion of  Counsel  acceptable  to and in form and  substance
     satisfactory  to the  Trustee,  the Company and the Master  Servicer to the
     effect that the purchase or holding of such Class B or Class R  Certificate
     is permissible  under  applicable law, will not constitute or result in any
     non-exempt  prohibited  transaction  under  Section  406  of  the  Employee
     Retirement  Income Security Act of 1974, as amended  ("ERISA"),  or Section
     4975 of the Code (or comparable  provisions of any subsequent  enactments),
     and will not subject the Trustee, the Company or the Master Servicer to any
     obligation or liability  (including  obligations or liabilities under ERISA
     or  Section  4975 of the  Code) in  addition  to those  undertaken  in this
     Agreement, which Opinion of Counsel shall not be an expense of the Trustee,
     the Company or the Master Servicer or (B) the prospective  Transferee shall
     be  required to provide the  Trustee,  the Company and the Master  Servicer
     with a certification  to the effect set forth in paragraph six of Exhibit H
     (with respect to any Class B Certificate) or paragraph  fourteen of Exhibit
     G-1 (with respect to any Class R  Certificate),  which the Trustee may rely
     upon without further inquiry or investigation, or such other certifications
     as the Trustee may deem  desirable or necessary in order to establish  that
     such Transferee or the Person in whose name such  registration is requested
     either (a) is not an  employee  benefit  plan or other plan  subject to the
     prohibited  transaction provisions of ERISA or Section 4975 of the Code, or
     any Person (including 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, a "Plan Investor") or (b) in the case of any Class
     B Certificate,  the following conditions are satisfied: (i) such Transferee
     is an insurance company,  (ii) the source of funds used to purchase or hold
     such  Certificate  (or interest  therein) is an "insurance  company general

                                       74
<PAGE>

     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 (b), a "Complying Insurance Company").

               (ii) Any  Transferee of a Class M  Certificate  will be deemed to
               have  represented  by virtue of its  purchase  or holding of such
               Certificate (or interest therein) that either (a) such Transferee
               is not a Plan  Investor,  (b) it has acquired and is holding such
               Certificate  in  reliance  on  Prohibited  Transaction  Exemption
               ("PTE") 94-29, 59 Fed. Reg. 14674 (March 29, 1994), as amended by
               PTE 97-34,  62 Fed. Reg. 39021 (July 21, 1997),  and PTE 2000-58,
               65 Fed. Reg. 67765 (November 13, 2000) (the "RFC Exemption"), and
               that it  understands  that there are  certain  conditions  to the
               availability of the RFC Exemption including that such Certificate
               must be rated, at the time of purchase, not lower than "BBB-" (or
               its  equivalent)  by  Standard & Poor's,  Fitch or Moody's or (c)
               such Transferee is a Complying Insurance Company.

               (iii) (A) If any Class M Certificate (or any interest therein) is
               acquired  or  held  by any  Person  that  does  not  satisfy  the
               conditions  described  in  paragraph  (ii)  above,  then the last
               preceding Transferee that either (i) is not a Plan Investor, (ii)
               acquired such  Certificate in compliance  with the RFC 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 such Class M Certificate.  The Trustee shall be under
               no  liability  to any Person for making any  payments due on such
               Certificate to such preceding Transferee.

                      (B) Any purported  Certificate  Owner whose acquisition or
               holding of any Class M  Certificate  (or  interest  therein)  was
               effected in violation of the restrictions in this Section 5.02(e)
               shall indemnify and hold harmless the Company,  the Trustee,  the
               Master Servicer, any Subservicer,  the Underwriters 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.

(f) (i) Each Person who has or who acquires any Ownership  Interest in a Class R
Certificate  shall be deemed by the  acceptance or acquisition of such Ownership
Interest  to have  agreed to be bound by the  following  provisions  and to have
irrevocably  authorized the Trustee or its designee under clause  (iii)(A) below
to deliver  payments  to a Person  other than such Person and to  negotiate  the
terms of any  mandatory  sale under  clause  (iii)(B)  below and to execute  all
instruments of transfer and to do all other things  necessary in connection with
any such sale. The rights of each Person  acquiring any Ownership  Interest in a
Class R Certificate are expressly subject to the following provisions:

(A)  Each  Person  holding or  acquiring  any  Ownership  Interest  in a Class R
     Certificate  shall be a Permitted  Transferee and shall promptly notify the
     Trustee of any  change or  impending  change in its  status as a  Permitted
     Transferee.

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<PAGE>

(B)  In connection  with any proposed  Transfer of any  Ownership  Interest in a
     Class R  Certificate,  the Trustee shall require  delivery to it, and shall
     not register the Transfer of any Class R Certificate  until its receipt of,
     (I) an affidavit and agreement (a "Transfer  Affidavit and  Agreement,"  in
     the form attached hereto as Exhibit G-1) from the proposed  Transferee,  in
     form and substance  satisfactory to the Master  Servicer,  representing and
     warranting,  among other things, that it is a Permitted Transferee, that it
     is not acquiring its Ownership  Interest in the Class R Certificate that is
     the subject of the proposed Transfer as a nominee, trustee or agent for any
     Person who is not a  Permitted  Transferee,  that for so long as it retains
     its Ownership Interest in a Class R Certificate, it will endeavor to remain
     a Permitted  Transferee,  and that it has reviewed the  provisions  of this
     Section 5.02(f) and agrees to be bound by them, and (II) a certificate,  in
     the form  attached  hereto as  Exhibit  G-2,  from the  Holder  wishing  to
     transfer the Class R Certificate, in form and substance satisfactory to the
     Master Servicer,  representing and warranting,  among other things, that no
     purpose of the proposed  Transfer is to impede the assessment or collection
     of tax.

(C)  Notwithstanding  the delivery of a Transfer  Affidavit  and  Agreement by a
     proposed Transferee under clause (B) above, if a Responsible Officer of the
     Trustee who is assigned to this  Agreement  has actual  knowledge  that the
     proposed  Transferee  is not a  Permitted  Transferee,  no  Transfer  of an
     Ownership  Interest in a Class R Certificate  to such  proposed  Transferee
     shall be effected.

(D)  Each  Person  holding or  acquiring  any  Ownership  Interest  in a Class R
     Certificate  shall agree (x) to require a Transfer  Affidavit and Agreement
     from any  other  Person  to whom  such  Person  attempts  to  transfer  its
     Ownership  Interest in a Class R  Certificate  and (y) not to transfer  its
     Ownership  Interest  unless it provides a certificate to the Trustee in the
     form attached hereto as Exhibit G-2.

(E)  Each  Person  holding  or  acquiring  an  Ownership  Interest  in a Class R
     Certificate,  by  purchasing  an  Ownership  Interest in such  Certificate,
     agrees  to give  the  Trustee  written  notice  that it is a  "pass-through
     interest  holder"  within the  meaning of  Temporary  Treasury  Regulations
     Section   1.67-3T(a)(2)(i)(A)   immediately  upon  acquiring  an  Ownership
     Interest  in a Class R  Certificate,  if it is, or is holding an  Ownership
     Interest in a Class R Certificate  on behalf of, a  "pass-through  interest
     holder."

(ii)    The Trustee will register the Transfer of any Class R  Certificate  only
        if it shall have  received  the  Transfer  Affidavit  and  Agreement,  a
        certificate of the Holder  requesting such transfer in the form attached
        hereto as Exhibit G-2 and all of such other documents as shall have been
        reasonably  required by the Trustee as a condition to such registration.
        Transfers of the Class R Certificates  to Non-United  States Persons and
        Disqualified  Organizations  (as  defined in Section  860E(e)(5)  of the
        Code) are prohibited.

                                       76
<PAGE>

(iii)(A) If any  Disqualified  Organization  shall  become a holder of a Class R
     Certificate,   then  the  last  preceding  Permitted  Transferee  shall  be
     restored,  to the extent permitted by law, to all rights and obligations as
     Holder thereof  retroactive to the date of registration of such Transfer of
     such Class R  Certificate.  If a  Non-United  States  Person shall become a
     holder of a Class R  Certificate,  then the last  preceding  United  States
     Person shall be restored, to the extent permitted by law, to all rights and
     obligations as Holder thereof  retroactive to the date of  registration  of
     such  Transfer  of such Class R  Certificate.  If a  transfer  of a Class R
     Certificate  is   disregarded   pursuant  to  the  provisions  of  Treasury
     Regulations  Section 1.860E-1 or Section 1.860G-3,  then the last preceding
     Permitted Transferee shall be restored,  to the extent permitted by law, to
     all rights and  obligations  as Holder  thereof  retroactive to the date of
     registration  of such  Transfer  of such Class R  Certificate.  The Trustee
     shall be under no liability to any Person for any  registration of Transfer
     of a Class R  Certificate  that is in fact not  permitted  by this  Section
     5.02(f) or for making any  payments due on such  Certificate  to the holder
     thereof or for taking any other  action with  respect to such holder  under
     the provisions of this Agreement.

     (B)  If any  purported  Transferee  shall  become  a  Holder  of a  Class R
          Certificate in violation of the  restrictions  in this Section 5.02(f)
          and to the extent that the  retroactive  restoration  of the rights of
          the Holder of such Class R Certificate as described in clause (iii)(A)
          above  shall be  invalid,  illegal or  unenforceable,  then the Master
          Servicer  shall  have the right,  without  notice to the holder or any
          prior  holder  of such  Class R  Certificate,  to  sell  such  Class R
          Certificate  to a purchaser  selected  by the Master  Servicer on such
          terms as the Master  Servicer may choose.  Such  purported  Transferee
          shall  promptly  endorse  and  deliver  each  Class R  Certificate  in
          accordance  with  the  instructions  of  the  Master  Servicer.   Such
          purchaser  may be the Master  Servicer  itself or any Affiliate of the
          Master  Servicer.  The proceeds of such sale,  net of the  commissions
          (which may include  commissions  payable to the Master Servicer or its
          Affiliates),  expenses and taxes due, if any,  will be remitted by the
          Master Servicer to such purported Transferee. The terms and conditions
          of any sale under this clause (iii)(B) shall be determined in the sole
          discretion of the Master  Servicer,  and the Master Servicer shall not
          be liable to any  Person  having an  Ownership  Interest  in a Class R
          Certificate as a result of its exercise of such discretion.

(iv) The Master Servicer, on behalf of the Trustee,  shall make available,  upon
     written request from the Trustee, all information  necessary to compute any
     tax imposed (A) as a result of the Transfer of an  Ownership  Interest in a
     Class R  Certificate  to any  Person  who is a  Disqualified  Organization,
     including the  information  regarding  "excess  inclusions" of such Class R
     Certificates  required to be provided to the Internal  Revenue  Service and
     certain   Persons   as   described   in   Treasury   Regulations   Sections
     1.860D-1(b)(5)  and  1.860E-2(a)(5),  and (B) as a result of any  regulated
     investment  company,  real  estate  investment  trust,  common  trust fund,
     partnership, trust, estate or organization described in Section 1381 of the
     Code that holds an Ownership  Interest in a Class R  Certificate  having as
     among its  record  holders  at any time any  Person  who is a  Disqualified
     Organization. Reasonable compensation for providing such information may be
     required by the Master Servicer from such Person.

                                       77
<PAGE>

(v)     The  provisions  of this Section  5.02(f) set forth prior to this clause
        (v) may be modified,  added to or eliminated,  provided that there shall
        have been delivered to the Trustee the following:

     (A)  written  notification  from each Rating  Agency to the effect that the
          modification,  addition to or elimination of such  provisions will not
          cause such Rating Agency to downgrade  its  then-current  ratings,  if
          any, of any Class of the Senior, Class M or Class B Certificates below
          the lower of the  then-current  rating or the rating  assigned to such
          Certificates as of the Closing Date by such Rating Agency; and

     (B)  subject to Section  10.01(f),  an Officers'  Certificate of the Master
          Servicer  stating that the Master  Servicer has received an Opinion of
          Counsel, in form and substance satisfactory to the Master Servicer, to
          the  effect  that such  modification,  addition  to or absence of such
          provisions  will not cause any portion of any REMIC  formed  under the
          Series  Supplement  to cease to  qualify as a REMIC and will not cause
          (x) any portion of any REMIC formed under the Series  Supplement to be
          subject to an  entity-level  tax caused by the Transfer of any Class R
          Certificate to a Person that is a Disqualified  Organization  or (y) a
          Certificateholder  or another Person to be subject to a  REMIC-related
          tax caused by the Transfer of a Class R  Certificate  to a Person that
          is not a Permitted Transferee.

     (g) No  service  charge  shall  be made for any  transfer  or  exchange  of
Certificates  of any  Class,  but  the  Trustee  may  require  payment  of a sum
sufficient  to cover  any tax or  governmental  charge  that may be  imposed  in
connection with any transfer or exchange of Certificates.

     (h) All  Certificates  surrendered  for  transfer  and  exchange  shall  be
destroyed by the Certificate Registrar.

Section 5.03.  Mutilated, Destroyed, Lost or Stolen Certificates.
               --------------------------------------------------

        If (i) any  mutilated  Certificate  is  surrendered  to the  Certificate
Registrar,  or the Trustee and the  Certificate  Registrar  receive  evidence to
their  satisfaction of the destruction,  loss or theft of any  Certificate,  and
(ii) there is  delivered  to the  Trustee  and the  Certificate  Registrar  such
security or indemnity as may be required by them to save each of them  harmless,
then, in the absence of notice to the Trustee or the Certificate  Registrar that
such  Certificate has been acquired by a bona fide purchaser,  the Trustee shall
execute  and the  Certificate  Registrar  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, Class and Percentage Interest but
bearing a number not contemporaneously outstanding. Upon the issuance of any new
Certificate  under this  Section,  the  Trustee may require the payment of a sum

                                       78
<PAGE>

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  and the  Certificate  Registrar)  connected  therewith.  Any  duplicate
Certificate  issued  pursuant to this  Section  shall  constitute  complete  and
indefeasible  evidence of ownership in the Trust Fund, as if originally  issued,
whether or not the lost,  stolen or destroyed  Certificate shall be found at any
time.

Section 5.04.  Persons Deemed Owners.
               ---------------------

        Prior to due presentation of a Certificate for registration of transfer,
the Company,  the Master Servicer,  the Trustee,  any Certificate  Insurer,  the
Certificate  Registrar and any agent of the Company,  the Master  Servicer,  the
Trustee,  any  Certificate  Insurer or the  Certificate  Registrar may treat the
Person  in  whose  name  any  Certificate  is  registered  as the  owner of such
Certificate for the purpose of receiving  distributions pursuant to Section 4.02
and for all other purposes  whatsoever,  except as and to the extent provided in
the  definition  of  "Certificateholder,"  and neither the  Company,  the Master
Servicer,  the Trustee, any Certificate  Insurer, the Certificate  Registrar nor
any agent of the Company,  the Master  Servicer,  the Trustee,  any  Certificate
Insurer or the Certificate Registrar shall be affected by notice to the contrary
except as provided in Section 5.02(f).

Section 5.05.  Appointment of Paying Agent.
               ---------------------------

        The  Trustee  may  appoint  a Paying  Agent  for the  purpose  of making
distributions to the  Certificateholders  pursuant to Section 4.02. In the event
of any  such  appointment,  on or  prior to each  Distribution  Date the  Master
Servicer on behalf of the Trustee  shall  deposit or cause to be deposited  with
the Paying Agent a sum sufficient to make the payments to the Certificateholders
in the amounts and in the manner  provided for in Section  4.02,  such sum to be
held in trust for the benefit of the Certificateholders.

        The Trustee  shall cause each Paying Agent to execute and deliver to the
Trustee an  instrument  in which such Paying  Agent shall agree with the Trustee
that such  Paying  Agent  will hold all sums held by it for the  payment  to the
Certificateholders in trust for the benefit of the  Certificateholders  entitled
thereto  until such sums shall be paid to such  Certificateholders.  Any sums so
held by such Paying Agent shall be held only in Eligible  Accounts to the extent
such sums are not distributed to the  Certificateholders  on the date of receipt
by such Paying Agent.

                                       79
<PAGE>

                                   ARTICLE VI

                       THE COMPANY AND THE MASTER SERVICER

Section 6.01.  Respective Liabilities of the Company and the Master Servicer.
               --------------------------------------------------------------

        The Company and the Master  Servicer  shall each be liable in accordance
herewith only to the extent of the  obligations  specifically  and  respectively
imposed upon and undertaken by the Company and the Master  Servicer  herein.  By
way of  illustration  and not  limitation,  the  Company  is not  liable for the
servicing  and  administration  of the  Mortgage  Loans,  nor is it obligated by
Section 7.01 or Section 10.01 to assume any  obligations of the Master  Servicer
or to appoint a designee  to assume such  obligations,  nor is it liable for any
other  obligation  hereunder that it may, but is not obligated to, assume unless
it elects to assume such obligation in accordance herewith.

Section 6.02.  Merger or  Consolidation  of the Company or the Master  Servicer;
     Assignment of Rights and Delegation of Duties by Master Servicer.

(a) The  Company  and the  Master  Servicer  will each keep in full  effect  its
existence, rights and franchises as a corporation under the laws of the state of
its  incorporation,  and will each obtain and preserve its  qualification  to do
business  as  a  foreign   corporation  in  each   jurisdiction  in  which  such
qualification   is  or  shall  be   necessary   to  protect  the   validity  and
enforceability of this Agreement,  the Certificates or any of the Mortgage Loans
and to perform its respective duties under this Agreement.

(b) Any Person  into which the Company or the Master  Servicer  may be merged or
consolidated,  or any corporation  resulting from any merger or consolidation to
which  the  Company  or the  Master  Servicer  shall be a party,  or any  Person
succeeding to the business of the Company or the Master  Servicer,  shall be the
successor of the Company or the Master Servicer,  as the case may be, 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 surviving Person to the Master Servicer
shall be qualified to service  mortgage loans on behalf of Fannie Mae or Freddie
Mac; and  provided  further that each Rating  Agency's  ratings,  if any, of the
Senior,  Class M or Class B  Certificates  in effect  immediately  prior to such
merger or consolidation will not be qualified,  reduced or withdrawn as a result
thereof (as evidenced by a letter to such effect from each Rating Agency).

(c)  Notwithstanding  anything else in this Section 6.02 and Section 6.04 to the
contrary,  the Master Servicer may assign its rights and delegate its duties and
obligations  under  this  Agreement;  provided  that the Person  accepting  such
assignment  or  delegation  shall be a  Person  which is  qualified  to  service
mortgage   loans  on  behalf  of  Fannie  Mae  or  Freddie  Mac,  is  reasonably
satisfactory to the Trustee and the Company,  is willing to service the Mortgage
Loans and executes and delivers to the Company and the Trustee an agreement,  in
form and substance reasonably satisfactory to the Company and the Trustee, which
contains an  assumption by such Person of the due and punctual  performance  and
observance  of each  covenant  and  condition to be performed or observed by the
Master Servicer under this Agreement; provided further that each Rating Agency's

                                       80
<PAGE>

rating of the Classes of Certificates that have been rated in effect immediately
prior to such  assignment  and  delegation  will not be  qualified,  reduced  or
withdrawn  as a result of such  assignment  and  delegation  (as  evidenced by a
letter  to such  effect  from  each  Rating  Agency).  In the  case of any  such
assignment  and  delegation,  the Master  Servicer  shall be  released  from its
obligations  under this Agreement,  except that the Master Servicer shall remain
liable for all  liabilities  and  obligations  incurred by it as Master Servicer
hereunder  prior to the  satisfaction  of the conditions to such  assignment and
delegation set forth in the next preceding sentence.

Section 6.03.  Limitation on Liability of the Company,
                      the Master Servicer and Others.

        Neither  the  Company,  the Master  Servicer  nor any of the  directors,
officers,  employees  or agents of the Company or the Master  Servicer  shall be
under any liability to the Trust Fund 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 Company,  the Master Servicer or any such Person
against any breach of warranties or representations made herein or any liability
which would otherwise be imposed by reason of willful misfeasance,  bad faith or
gross negligence in the performance of duties or by reason of reckless disregard
of obligations and duties  hereunder.  The Company,  the Master Servicer and any
director,  officer,  employee or agent of the Company or 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 Company,
the Master Servicer and any director,  officer, employee or agent of the Company
or the Master  Servicer shall be indemnified by the Trust Fund and held harmless
against any loss,  liability or expense  incurred in  connection  with any legal
action  relating to this  Agreement  or the  Certificates,  other than any loss,
liability or expense  related to any specific  Mortgage  Loan or Mortgage  Loans
(except as any such loss,  liability or expense shall be otherwise  reimbursable
pursuant  to this  Agreement)  and any loss,  liability  or expense  incurred by
reason of willful misfeasance,  bad faith or gross negligence in the performance
of duties hereunder or by reason of reckless disregard of obligations and duties
hereunder.

        Neither  the  Company  nor  the  Master  Servicer  shall  be  under  any
obligation to appear in, prosecute or defend any legal or administrative action,
proceeding,  hearing or  examination  that is not  incidental to its  respective
duties  under this  Agreement  and which in its  opinion  may  involve it in any
expense or liability; provided, however, that the Company or the Master Servicer
may  in its  discretion  undertake  any  such  action,  proceeding,  hearing  or
examination that it may deem necessary or desirable in respect to 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,  proceeding,  hearing or  examination  and any liability  resulting
therefrom  shall be expenses,  costs and  liabilities of the Trust Fund, and the
Company and the Master Servicer shall be entitled to be reimbursed  therefor out
of amounts  attributable  to the  Mortgage  Loans on  deposit  in the  Custodial
Account as provided by Section 3.10 and, on the Distribution  Date(s)  following
such reimbursement,  the aggregate of such expenses and costs shall be allocated
in reduction of the Accrued Certificate  Interest on each Class entitled thereto
in the same  manner as if such  expenses  and  costs  constituted  a  Prepayment
Interest Shortfall.

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<PAGE>

Section 6.04.  Company and Master Servicer Not to Resign.
               -----------------------------------------

        Subject to the  provisions of Section 6.02,  neither the Company nor the
Master  Servicer shall resign from its respective  obligations and duties hereby
imposed on it except upon  determination that its duties hereunder are no longer
permissible  under  applicable  law.  Any  such  determination   permitting  the
resignation  of the  Company or the Master  Servicer  shall be  evidenced  by an
Opinion of Counsel to such effect delivered to the Trustee.  No such resignation
by the Master  Servicer shall become  effective until the Trustee or a successor
servicer  shall  have  assumed  the  Master  Servicer's   responsibilities   and
obligations in accordance with Section 7.02.

                                       82
<PAGE>

ARTICLE VII

<PAGE>

                                     DEFAULT

Section 7.01.  Events of Default.
               -----------------

        Event of Default,  wherever used herein,  means any one of the following
events  (whatever  reason  for such  Event of  Default  and  whether it shall be
voluntary or  involuntary  or be effected by operation of law or pursuant to any
judgment,  decree or order of any court or any order,  rule or regulation of any
administrative or governmental body):

(i)     the Master  Servicer shall fail to distribute or cause to be distributed
        to the Holders of Certificates of any Class any distribution required to
        be made  under  the  terms of the  Certificates  of such  Class and this
        Agreement and, in either case,  such failure shall  continue  unremedied
        for a period of 5 days after the date upon which written  notice of such
        failure, requiring such failure to be remedied, shall have been given to
        the  Master  Servicer  by the  Trustee  or the  Company or to the Master
        Servicer,  the Company and the Trustee by the Holders of Certificates of
        such Class  evidencing  Percentage  Interests  aggregating not less than
        25%; or

(ii) the Master  Servicer  shall  fail to  observe  or  perform in any  material
     respect any other of the  covenants or agreements on the part of the Master
     Servicer  contained in the  Certificates  of any Class or in this Agreement
     and such failure shall continue  unremedied for a period of 30 days (except
     that such  number of days  shall be 15 in the case of a failure  to pay the
     premium for any Required  Insurance Policy) 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  Company,  or to the
     Master Servicer, the Company and the Trustee by the Holders of Certificates
     of  any  Class  evidencing,  in the  case  of any  such  Class,  Percentage
     Interests aggregating not less than 25%; or

(iii)   a decree or order of a court or agency or supervisory  authority  having
        jurisdiction in the premises in an involuntary case under any present or
        future  federal  or  state  bankruptcy,  insolvency  or  similar  law or
        appointing 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

(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,  or similar  proceedings  of, or
        relating  to,  the  Master  Servicer  or  of,  or  relating  to,  all or
        substantially all of the property of the Master Servicer; or

(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, or commence a voluntary  case under,  any  applicable  insolvency or
        reorganization  statute,  make  an  assignment  for the  benefit  of its
        creditors, or voluntarily suspend payment of its obligations; or

                                       83
<PAGE>

(vi)    the Master Servicer shall notify the Trustee pursuant to Section 4.04(b)
        that it is unable to deposit in the Certificate  Account an amount equal
        to the Advance.

        If an Event of  Default  described  in clauses  (i)-(v) of this  Section
shall  occur,  then,  and in each and every such case,  so long as such Event of
Default shall not have been remedied, either the Company or the Trustee may, and
at the  direction  of Holders of  Certificates  entitled  to at least 51% of the
Voting Rights,  the Trustee shall,  by notice in writing to the Master  Servicer
(and to the  Company if given by the  Trustee or to the  Trustee if given by the
Company),  terminate all of the rights and  obligations  of the Master  Servicer
under this Agreement and in and to the Mortgage Loans and the proceeds  thereof,
other than its rights as a Certificateholder  hereunder.  If an Event of Default
described in clause (vi) hereof shall occur, the Trustee shall, by notice to the
Master  Servicer and the Company,  immediately  terminate  all of the rights and
obligations  of the  Master  Servicer  under  this  Agreement  and in and to the
Mortgage  Loans  and  the  proceeds   thereof,   other  than  its  rights  as  a
Certificateholder  hereunder  as  provided in Section  4.04(b).  On or after the
receipt by the Master Servicer of such written  notice,  all authority and power
of the  Master  Servicer  under  this  Agreement,  whether  with  respect to the
Certificates  (other  than  as a  Holder  thereof)  or  the  Mortgage  Loans  or
otherwise, shall subject to Section 7.02 pass to and be vested in the Trustee or
the  Trustee's  designee  appointed  pursuant  to  Section  7.02;  and,  without
limitation,  the  Trustee is hereby  authorized  and  empowered  to execute  and
deliver, on behalf of the 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 Master  Servicer
agrees to cooperate with the Trustee in effecting the  termination of the Master
Servicer's responsibilities and rights hereunder, including, without limitation,
the transfer to the Trustee or its designee for administration by it of all cash
amounts  which  shall at the time be credited  to the  Custodial  Account or the
Certificate  Account or  thereafter  be received  with  respect to the  Mortgage
Loans. No such  termination  shall release the Master Servicer for any liability
that it would  otherwise  have  hereunder  for any act or omission  prior to the
effective time of such termination.

        Notwithstanding any termination of the activities of Residential Funding
in its  capacity as Master  Servicer  hereunder,  Residential  Funding  shall be
entitled  to  receive,  out of any late  collection  of a Monthly  Payment  on a
Mortgage  Loan  which  was  due  prior  to the  notice  terminating  Residential
Funding's rights and obligations as Master Servicer hereunder and received after
such notice,  that portion to which Residential Funding would have been entitled
pursuant to Sections 3.10(a)(ii), (vi) and (vii) as well as its Servicing Fee in
respect thereof,  and any other amounts payable to Residential Funding hereunder
the  entitlement  to which  arose  prior to the  termination  of its  activities
hereunder.  Upon the  termination  of  Residential  Funding  as Master  Servicer
hereunder the Company shall deliver to the Trustee a copy of the Program Guide.

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Section 7.02.  Trustee or Company to Act; Appointment of Successor.
               ----------------------------------------------------

(a) On and after the time the Master  Servicer  receives a notice of termination
pursuant to Section 7.01 or resigns in accordance with Section 6.04, the Trustee
or, upon notice to the Company and with the Company's  consent  (which shall not
be unreasonably withheld) a designee (which meets the standards set forth below)
of the Trustee, shall be the successor in all respects to the Master Servicer in
its capacity as servicer under this Agreement and the  transactions set forth or
provided for herein and shall be subject to all the responsibilities, duties and
liabilities  relating  thereto  placed on the Master  Servicer  (except  for the
responsibilities, duties and liabilities contained in Sections 2.02 and 2.03(a),
excluding  the duty to notify  related  Subservicers  or Sellers as set forth in
such  Sections,  and its  obligations  to  deposit  amounts in respect of losses
incurred  prior to such notice or  termination on the investment of funds in the
Custodial  Account or the Certificate  Account  pursuant to Sections 3.07(c) and
4.01(b) by the terms and provisions hereof); provided, however, that any failure
to  perform  such  duties or  responsibilities  caused by the  preceding  Master
Servicer's failure to provide information  required by Section 4.04 shall not be
considered a default by the Trustee  hereunder.  As compensation  therefor,  the
Trustee shall be entitled to all funds  relating to the Mortgage Loans which the
Master  Servicer would have been entitled to charge to the Custodial  Account or
the  Certificate  Account if the Master  Servicer had continued to act hereunder
and, in addition, shall be entitled to the income from any Permitted Investments
made with  amounts  attributable  to the  Mortgage  Loans held in the  Custodial
Account or the Certificate  Account.  If the Trustee has become the successor to
the Master  Servicer in  accordance  with  Section  6.04 or Section  7.01,  then
notwithstanding  the above, the Trustee may, if it shall be unwilling to so act,
or shall, if it is unable to so act,  appoint,  or petition a court of competent
jurisdiction to appoint,  any established housing and home finance  institution,
which  is  also  a  Fannie  Mae-  or  Freddie  Mac-approved  mortgage  servicing
institution, having a net worth of not less than $10,000,000 as the successor to
the  Master  Servicer  hereunder  in the  assumption  of all or any  part of the
responsibilities,  duties  or  liabilities  of the  Master  Servicer  hereunder.
Pending appointment of a successor to the Master Servicer hereunder, the Trustee
shall become  successor to the Master Servicer and shall act in such capacity as
hereinabove  provided.  In connection with such appointment and assumption,  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  the
initial Master Servicer hereunder.  The Company,  the Trustee, the Custodian and
such successor shall take such action,  consistent with this Agreement, as shall
be  necessary to  effectuate  any such  succession.  The  Servicing  Fee for any
successor  Master  Servicer  appointed  pursuant  to this  Section  7.02 will be
lowered with respect to those Mortgage Loans, if any, where the Subservicing Fee
accrues at a rate of less than  0.20% per annum in the event that the  successor
Master  Servicer  is  not  servicing  such  Mortgage  Loans  directly  and it is
necessary to raise the related  Subservicing Fee to a rate of 0.20% per annum in
order to hire a Subservicer with respect to such Mortgage Loans.

        (b) In connection  with the  termination  or  resignation  of the Master
Servicer  hereunder,  either (i) the successor  Master  Servicer,  including the
Trustee if the Trustee is acting as successor Master  Servicer,  shall represent
and  warrant  that it is a member of MERS in good  standing  and shall  agree to
comply  in all  material  respects  with the  rules  and  procedures  of MERS in
connection  with the servicing of the Mortgage  Loans that are  registered  with
MERS, in which case the  predecessor  Master  Servicer shall  cooperate with the
successor  Master  Servicer in causing MERS to revise its records to reflect the
transfer of servicing to the successor  Master Servicer as necessary under MERS'
rules and regulations,  or (ii) the predecessor  Master Servicer shall cooperate
with the  successor  Master  Servicer in causing  MERS to execute and deliver an

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<PAGE>

the Trustee and to execute and deliver such other  notices,  documents and other
instruments  as may be  necessary  or  desirable  to effect a  transfer  of such
Mortgage Loan or servicing of such  Mortgage  Loan on the MERS(R)  System to the
successor Master Servicer.  The predecessor  Master Servicer shall file or cause
to be  filed  any such  assignment  in the  appropriate  recording  office.  The
predecessor  Master  Servicer  shall  bear any and all  fees of  MERS,  costs of
preparing  any  assignments  of  Mortgage,  and fees and  costs  of  filing  any
assignments  of Mortgage  that may be required  under this  subsection  (b). The
successor  Master  Servicer  shall cause such  assignment to be delivered to the
Trustee or the Custodian  promptly upon receipt of the original with evidence of
recording  thereon or a copy certified by the public  recording  office in which
such assignment was recorded.

Section 7.03.  Notification to Certificateholders.
               -----------------------------------

(a) Upon any such  termination  or  appointment  of a  successor  to the  Master
Servicer,   the  Trustee  shall  give  prompt  written  notice  thereof  to  the
Certificateholders  at their respective  addresses  appearing in the Certificate
Register.

(b) Within 60 days after the  occurrence  of any Event of  Default,  the Trustee
shall transmit by mail to all Holders of Certificates  notice of each such Event
of Default  hereunder  known to the Trustee,  unless such Event of Default shall
have been cured or waived.

Section 7.04.  Waiver of Events of Default.
               ----------------------------

        The Holders representing at least 66% of the Voting Rights affected by a
default  or Event of  Default  hereunder  may  waive  such  default  or Event of
Default; provided,  however, that (a) a default or Event of Default under clause
(i) of Section  7.01 may be waived  only by all of the  Holders of  Certificates
affected by such default or Event of Default and (b) no waiver  pursuant to this
Section 7.04 shall affect the Holders of Certificates in the manner set forth in
Section  11.01(b)(i)  or (ii).  Upon any such  waiver of a  default  or Event of
Default by the Holders  representing  the requisite  percentage of Voting Rights
affected by such  default or Event of Default,  such default or Event of Default
shall cease to exist and shall be deemed to have been remedied for every purpose
hereunder.  No such waiver shall extend to any  subsequent  or other  default or
Event of  Default or impair any right  consequent  thereon  except to the extent
expressly so waived.

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<PAGE>

                                  ARTICLE VIII

                             CONCERNING THE TRUSTEE

Section 8.01.  Duties of Trustee.
               -----------------

(a) The Trustee,  prior to the  occurrence  of an Event of Default and after the
curing or waiver of all Events of Default which may have occurred, undertakes to
perform such duties and only such duties as are  specifically  set forth in this
Agreement. In case an Event of Default has occurred (which has not 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  investor  would  exercise  or use under the  circumstances  in the
conduct of such investor's own affairs.

(b) The Trustee,  upon  receipt of all  resolutions,  certificates,  statements,
opinions,  reports,  documents,  orders or other  instruments  furnished  to the
Trustee  which  are  specifically  required  to be  furnished  pursuant  to  any
provision  of this  Agreement,  shall  examine  them to  determine  whether they
conform to the  requirements  of this  Agreement.  The Trustee  shall notify the
Certificateholders  of any such documents which do not materially conform to the
requirements  of  this  Agreement  in the  event  that  the  Trustee,  after  so
requesting, does not receive satisfactorily corrected documents.

        The Trustee shall  forward or cause to be forwarded in a timely  fashion
the  notices,  reports and  statements  required to be  forwarded by the Trustee
pursuant to Sections 4.03,  4.06, 7.03 and 10.01. The Trustee shall furnish in a
timely fashion to the Master  Servicer such  information as the Master  Servicer
may reasonably  request from time to time for the Master Servicer to fulfill its
duties as set forth in this Agreement.  The Trustee covenants and agrees that it
shall perform its obligations hereunder in a manner so as to maintain the status
of any portion of any REMIC formed under the Series  Supplement as a REMIC under
the REMIC Provisions and (subject to Section 10.01(f)) to prevent the imposition
of any federal, state or local income,  prohibited transaction,  contribution or
other tax on the Trust  Fund to the  extent  that  maintaining  such  status and
avoiding  such taxes are  reasonably  within the  control of the Trustee and are
reasonably within the scope of its duties under this Agreement.

(c) No  provision  of this  Agreement  shall be construed to relieve the Trustee
from liability for its own negligent action, its own negligent failure to act or
its own willful misconduct; provided, however, that:

(i)  Prior to the  occurrence  of an Event of  Default,  and after the curing or
     waiver of all such Events of Default  which may have  occurred,  the duties
     and  obligations  of the Trustee shall be determined  solely by the express
     provisions  of this  Agreement,  the Trustee shall not be liable except for
     the  performance  of such 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 and, in the absence of bad faith on
     the part of the Trustee, the Trustee 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 the Trustee by the Company
     or the Master  Servicer  and which on their  face,  do not  contradict  the
     requirements of this Agreement;

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<PAGE>

(ii)    The Trustee shall not be personally liable for an error of judgment made
        in good faith by a Responsible  Officer or  Responsible  Officers of the
        Trustee,  unless it shall be proved that the Trustee  was  negligent  in
        ascertaining the pertinent facts;

(iii)   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   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,  or
        exercising  any trust or power  conferred  upon the Trustee,  under this
        Agreement;

(iv)    The Trustee  shall not be charged with  knowledge of any default  (other
        than a default in payment to the  Trustee)  specified in clauses (i) and
        (ii) of Section 7.01 or an Event of Default  under clauses  (iii),  (iv)
        and (v) of Section  7.01  unless a  Responsible  Officer of the  Trustee
        assigned to and working in the  Corporate  Trust Office  obtains  actual
        knowledge  of such  failure  or event or the  Trustee  receives  written
        notice of such failure or event at its  Corporate  Trust Office from the
        Master Servicer, the Company or any Certificateholder; and

(v)     Except to the extent  provided in Section  7.02,  no  provision  in this
        Agreement  shall  require  the  Trustee  to expend or risk its own funds
        (including,  without limitation, the making of any Advance) or otherwise
        incur any personal financial  liability in the performance of any of its
        duties as Trustee hereunder,  or in the exercise of any of its rights or
        powers, if the Trustee shall have reasonable  grounds for believing that
        repayment of funds or adequate  indemnity against such risk or liability
        is not reasonably assured to it.

(d) The Trustee shall timely pay, from its own funds,  the amount of any and all
federal,  state and local  taxes  imposed  on the  Trust  Fund or its  assets or
transactions including, without limitation, (A) "prohibited transaction" penalty
taxes as defined in Section 860F of the Code,  if, when and as the same shall be
due and payable,  (B) any tax on contributions to a REMIC after the Closing Date
imposed  by  Section  860G(d)  of the Code and (C) any tax on "net  income  from
foreclosure  property"  as defined in Section  860G(c) of the Code,  but only if
such taxes  arise out of a breach by the Trustee of its  obligations  hereunder,
which breach constitutes negligence or willful misconduct of the Trustee.

Section 8.02.  Certain Matters Affecting the Trustee.

(a)     Except as otherwise provided in Section 8.01:

(i)     The Trustee may rely and shall be protected in acting or refraining from
        acting  upon  any  resolution,  Officers'  Certificate,  certificate  of
        auditors  or any  other  certificate,  statement,  instrument,  opinion,
        report, notice, request,  consent, order, appraisal, 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;

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<PAGE>

(ii) The Trustee may consult  with  counsel and any 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 Opinion of Counsel;

(iii)The Trustee  shall be under no  obligation to exercise any of the trusts or
     powers vested in it by this  Agreement or to  institute,  conduct or defend
     any  litigation  hereunder or in relation  hereto 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  reasonable  security or indemnity against the costs,  expenses and
     liabilities  which may be incurred  therein or thereby;  nothing  contained
     herein  shall,  however,  relieve the Trustee of the  obligation,  upon the
     occurrence of an Event of Default (which has not been cured or waived),  to
     exercise such of the rights and powers vested in it by this Agreement,  and
     to use the same  degree  of care and skill in their  exercise  as a prudent
     investor  would exercise or use under the  circumstances  in the conduct of
     such investor's own affairs;

(iv) The Trustee shall not be personally  liable for any action taken,  suffered
     or omitted  by it in good  faith and  believed  by it to be  authorized  or
     within  the  discretion  or  rights  or  powers  conferred  upon it by this
     Agreement;

(v)  Prior to the  occurrence  of an Event of  Default  hereunder  and after the
     curing or waiver of all  Events of  Default  which may have  occurred,  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,  unless  requested  in  writing  so to do by Holders of
     Certificates  of  any  Class  evidencing,  as  to  such  Class,  Percentage
     Interests,  aggregating not less than 50%; 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  as a
     condition  to  so  proceeding.   The  reasonable   expense  of  every  such
     examination  shall be paid by the Master  Servicer,  if an Event of Default
     shall   have   occurred   and  is   continuing,   and   otherwise   by  the
     Certificateholder requesting the investigation;

(vi)    The Trustee may execute any of the trusts or powers hereunder or perform
        any  duties  hereunder  either  directly  or by  or  through  agents  or
        attorneys; and

(vii)To the extent  authorized  under the Code and the  regulations  promulgated
     thereunder,  each  Holder  of a  Class  R  Certificate  hereby  irrevocably
     appoints and authorizes the Trustee to be its attorney-in-fact for purposes
     of  signing  any Tax  Returns  required  to be filed on behalf of the Trust
     Fund. The Trustee shall sign on behalf of the Trust Fund and deliver to the
     Master Servicer in a timely manner any Tax Returns prepared by or on behalf
     of the Master  Servicer  that the Trustee is required to sign as determined
     by the Master Servicer pursuant to applicable  federal,  state or local tax
     laws,  provided that the Master  Servicer  shall  indemnify the Trustee for
     signing any such Tax Returns that contain errors or omissions.

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<PAGE>

(b) Following the issuance of the Certificates, the Trustee shall not accept any
contribution of assets to the Trust Fund unless (subject to Section 10.01(f)) it
shall have obtained or been  furnished  with an Opinion of Counsel to the effect
that such  contribution will not (i) cause any portion of any REMIC formed under
the  Series  Supplement  to fail to  qualify  as a REMIC  at any  time  that any
Certificates  are  outstanding or (ii) cause the Trust Fund to be subject to any
federal tax as a result of such  contribution  (including  the imposition of any
federal tax on "prohibited  transactions"  imposed under Section  860F(a) of the
Code).

Section 8.03.  Trustee Not Liable for Certificates or Mortgage Loans.

        The recitals  contained herein and in the  Certificates  (other than the
execution of the  Certificates and relating to the acceptance and receipt of the
Mortgage  Loans) shall be taken as the  statements  of the Company or the Master
Servicer as the case may be, and the Trustee assumes no responsibility for their
correctness.  The  Trustee  makes  no  representations  as to  the  validity  or
sufficiency  of  this  Agreement  or  of  the  Certificates   (except  that  the
Certificates  shall be duly and  validly  executed  and  authenticated  by it as
Certificate  Registrar) or of any Mortgage Loan or related document,  or of MERS
or the MERS(R) System.  Except as otherwise  provided herein,  the Trustee shall
not be  accountable  for the use or  application  by the  Company  or the Master
Servicer of any of the Certificates or of the proceeds of such Certificates,  or
for the use or  application  of any  funds  paid to the  Company  or the  Master
Servicer in respect of the Mortgage  Loans or deposited in or withdrawn from the
Custodial  Account  or the  Certificate  Account  by the  Company  or the Master
Servicer.

Section 8.04.  Trustee May Own Certificates.

        The Trustee in its individual or any other capacity may become the owner
or pledgee  of  Certificates  with the same  rights it would have if it were not
Trustee.

Section 8.05.  Master Servicer to Pay Trustee's Fees
                      and Expenses; Indemnification.

(a) The  Master  Servicer  covenants  and agrees to pay to the  Trustee  and any
co-trustee  from  time to time,  and the  Trustee  and any  co-trustee  shall be
entitled  to,  reasonable  compensation  (which  shall  not  be  limited  by any
provision of law in regard to the compensation of a trustee of an express trust)
for all services  rendered by each of them in the execution of the trusts hereby
created  and in the  exercise  and  performance  of any of the powers and duties
hereunder of the Trustee and any co-trustee, and the Master Servicer will pay or
reimburse  the  Trustee  and any  co-trustee  upon  request  for all  reasonable
expenses,  disbursements  and  advances  incurred  or made by the Trustee or any
co-trustee in accordance with any of the provisions of this Agreement (including
the reasonable  compensation  and the expenses and  disbursements of its counsel
and of all persons not regularly in its employ, and the expenses incurred by the
Trustee or any  co-trustee in connection  with the  appointment  of an office or
agency  pursuant  to Section  8.12)  except any such  expense,  disbursement  or
advance as may arise from its negligence or bad faith.

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<PAGE>

(b) The Master  Servicer  agrees to  indemnify  the Trustee for, and to hold the
Trustee  harmless  against,  any loss,  liability  or expense  incurred  without
negligence or willful  misconduct on the Trustee's  part,  arising out of, or in
connection with, the acceptance and administration of the Trust Fund,  including
the costs  and  expenses  (including  reasonable  legal  fees and  expenses)  of
defending   itself  against  any  claim  in  connection  with  the  exercise  or
performance  of any of its  powers  or  duties  under  this  Agreement  and  the
Custodial Agreement, provided that:

(i)     with respect to any such claim,  the Trustee shall have given the Master
        Servicer  written notice  thereof  promptly after the Trustee shall have
        actual knowledge thereof;

(ii)    while  maintaining  control  over its own  defense,  the  Trustee  shall
        cooperate and consult fully with the Master  Servicer in preparing  such
        defense; and

(iii)   notwithstanding  anything in this Agreement to the contrary,  the Master
        Servicer  shall not be liable for settlement of any claim by the Trustee
        entered  into  without the prior  consent of the Master  Servicer  which
        consent shall not be unreasonably withheld.

No termination of this Agreement  shall affect the  obligations  created by this
Section  8.05(b) of the Master  Servicer  to  indemnify  the  Trustee  under the
conditions and to the extent set forth herein.

        Notwithstanding  the  foregoing,  the  indemnification  provided  by the
Master Servicer in this Section 8.05(b) shall not pertain to any loss, liability
or expense of the Trustee,  including the costs and expenses of defending itself
against any claim,  incurred in connection with any actions taken by the Trustee
at the  direction  of the  Certificateholders  pursuant  to the  terms  of  this
Agreement.

Section 8.06.  Eligibility Requirements for Trustee.
               ------------------------------------

        The Trustee  hereunder shall at all times be a corporation or a national
banking  association  having its principal office in a state and city acceptable
to the Company and organized and doing  business under the laws of such state or
the United States of America,  authorized under such laws to exercise  corporate
trust powers,  having a combined capital and surplus of at least $50,000,000 and
subject to supervision or  examination  by federal or state  authority.  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  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 the  provisions  of this  Section,  the  Trustee  shall  resign
immediately in the manner and with the effect specified in Section 8.07.

Section 8.07.  Resignation and Removal of the Trustee.
               --------------------------------------

(a) The Trustee may at any time resign and be discharged  from the trusts hereby
created by giving  written  notice  thereof to the Company.  Upon receiving such
notice of resignation, the Company shall promptly appoint a successor trustee by

                                       91
<PAGE>

written  instrument,  in  duplicate,  one  copy of  which  instrument  shall  be
delivered to the resigning Trustee and one copy to the successor trustee.  If no
successor  trustee shall have been so appointed  and have  accepted  appointment
within 30 days after the giving of such  notice of  resignation,  the  resigning
Trustee may petition any court of competent  jurisdiction for the appointment of
a successor trustee.

(b) If at any time the Trustee shall cease to be eligible in accordance with the
provisions  of  Section  8.06 and shall  fail to resign  after  written  request
therefor by the Company, or if at any time the Trustee shall become incapable of
acting, or shall be adjudged bankrupt or insolvent, or a receiver of the Trustee
or of its property  shall be appointed,  or any public officer shall take charge
or  control of the  Trustee or of its  property  or affairs  for the  purpose of
rehabilitation,  conservation  or  liquidation,  then the Company may remove the
Trustee and appoint a successor trustee by written instrument, in duplicate, one
copy of which  instrument  shall be  delivered to the Trustee so removed and one
copy to the  successor  trustee.  In  addition,  in the event  that the  Company
determines  that  the  Trustee  has  failed  (i) to  distribute  or  cause to be
distributed  to the  Certificateholders  any amount  required to be  distributed
hereunder, if such amount is held by the Trustee or its Paying Agent (other than
the Master  Servicer  or the  Company)  for  distribution  or (ii) to  otherwise
observe or perform in any material  respect any of its covenants,  agreements or
obligations  hereunder,  and such failure shall continue unremedied for a period
of 5 days (in respect of clause (i) above) or 30 days (in respect of clause (ii)
above) after the date on which written  notice of such failure,  requiring  that
the same be remedied,  shall have been given to the Trustee by the Company, then
the Company  may remove the  Trustee and appoint a successor  trustee by written
instrument  delivered as provided in the preceding sentence.  In connection with
the appointment of a successor trustee pursuant to the preceding  sentence,  the
Company  shall,  on or  before  the date on which any such  appointment  becomes
effective,  obtain  from  each  Rating  Agency  written  confirmation  that  the
appointment  of any such  successor  trustee will not result in the reduction of
the  ratings  on any  class of the  Certificates  below  the  lesser of the then
current or original ratings on such Certificates.

(c) The Holders of  Certificates  entitled to at least 51% of the Voting  Rights
may at any time remove the  Trustee  and appoint a successor  trustee by written
instrument  or  instruments,  in  triplicate,  signed by such  Holders  or their
attorneys-in-fact  duly authorized,  one complete set of which instruments shall
be delivered to the Company,  one complete set to the Trustee so removed and one
complete set to the successor so appointed.

(d) Any  resignation  or removal of the Trustee and  appointment  of a successor
trustee pursuant to any of the provisions of this Section shall become effective
upon  acceptance of appointment by the successor  trustee as provided in Section
8.08.

Section 8.08.  Successor Trustee.
               -----------------

(a) Any successor  trustee  appointed as provided in Section 8.07 shall execute,
acknowledge  and  deliver  to the  Company  and to its  predecessor  trustee  an
instrument accepting such appointment  hereunder,  and thereupon the resignation
or removal of the predecessor  trustee shall become effective and such successor
trustee shall become effective and such successor  trustee,  without any further
act, deed or conveyance,  shall become fully vested with all the rights, powers,

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<PAGE>

duties and obligations of its predecessor hereunder,  with the like effect as if
originally named as trustee herein. The predecessor trustee shall deliver to the
successor  trustee all Mortgage Files and related  documents and statements held
by it hereunder  (other than any Mortgage Files at the time held by a Custodian,
which  shall  become  the agent of any  successor  trustee  hereunder),  and the
Company,  the Master  Servicer and the  predecessor  trustee  shall  execute and
deliver such  instruments and do such other things as may reasonably be required
for more fully and certainly vesting and confirming in the successor trustee all
such rights, powers, duties and obligations.

(b) No successor  trustee shall accept  appointment  as provided in this Section
unless at the time of such acceptance  such successor  trustee shall be eligible
under the provisions of Section 8.06.

(c) Upon  acceptance of appointment  by a successor  trustee as provided in this
Section,  the  Company  shall  mail  notice of the  succession  of such  trustee
hereunder  to all Holders of  Certificates  at their  addresses  as shown in the
Certificate  Register.  If the Company  fails to mail such notice within 10 days
after acceptance of appointment by the successor trustee,  the successor trustee
shall cause such notice to be mailed at the expense of the Company.

Section 8.09.  Merger or Consolidation of Trustee.
               ----------------------------------

        Any corporation or national  banking  association into which the Trustee
may be  merged  or  converted  or  with  which  it may  be  consolidated  or any
corporation  or  national  banking   association   resulting  from  any  merger,
conversion  or  consolidation  to which  the  Trustee  shall be a party,  or any
corporation or national  banking  association  succeeding to the business of the
Trustee,  shall  be  the  successor  of the  Trustee  hereunder,  provided  such
corporation  or  national  banking  association  shall  be  eligible  under  the
provisions of Section 8.06,  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.  The Trustee  shall mail notice of any such merger or
consolidation  to the  Certificateholders  at  their  address  as  shown  in the
Certificate Register.

Section 8.10.  Appointment of Co-Trustee or Separate Trustee.
               ---------------------------------------------

(a) Notwithstanding any other provisions hereof, at any time, for the purpose of
meeting  any legal  requirements  of any  jurisdiction  in which any part of the
Trust Fund or property securing the same may at the time be located,  the Master
Servicer and the Trustee  acting  jointly shall have the power and shall execute
and  deliver all  instruments  to appoint  one or more  Persons  approved by the
Trustee to act as  co-trustee  or  co-trustees,  jointly  with the  Trustee,  or
separate trustee or separate trustees, of all or any part of the Trust Fund, and
to vest in such Person or  Persons,  in such  capacity,  such title to the Trust
Fund, or any part thereof,  and, subject to the other provisions of this Section
8.10, such powers, duties, obligations, rights and trusts as the Master Servicer
and the Trustee may consider  necessary  or  desirable.  If the Master  Servicer
shall not have joined in such appointment within 15 days after the receipt by it
of a request so to do, or in case an Event of Default shall have occurred and be
continuing, the Trustee alone shall have the power to make such appointment.  No
co-trustee or separate trustee  hereunder shall be required to meet the terms of
eligibility as a successor trustee under Section 8.06 hereunder and no notice to
Holders  of  Certificates  of  the  appointment  of  co-trustee(s)  or  separate
trustee(s) shall be required under Section 8.08 hereof.

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(b) In the case of any appointment of a co-trustee or separate  trustee pursuant
to this Section 8.10 all 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 or  co-trustee  jointly,
except  to the  extent  that  under  any law of any  jurisdiction  in which  any
particular act or acts are to be performed  (whether as Trustee  hereunder or as
successor to the Master Servicer hereunder), 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 or co-trustee at the direction of the Trustee.

(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 or co-trustee shall refer to this Agreement and the conditions
of this Article VIII. 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.

(d) Any separate trustee or co-trustee 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 or  co-trustee  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.

Section 8.11.  Appointment of Custodians.
               -------------------------

        The  Trustee  may,  with the  consent  of the  Master  Servicer  and the
Company,  appoint one or more  Custodians who are not Affiliates of the Company,
the Master Servicer or any Seller to hold all or a portion of the Mortgage Files
as agent for the Trustee,  by entering  into a Custodial  Agreement.  Subject to
Article  VIII,  the Trustee  agrees to comply  with the terms of each  Custodial
Agreement and to enforce the terms and provisions  thereof against the Custodian
for the benefit of the Certificateholders.  Each Custodian shall be a depository
institution  subject to supervision by federal or state authority,  shall have a
combined  capital and surplus of at least  $15,000,000 and shall be qualified to
do  business  in the  jurisdiction  in which it holds any  Mortgage  File.  Each
Custodial  Agreement  may be amended  only as  provided  in Section  11.01.  The
Trustee shall notify the  Certificateholders of the appointment of any Custodian
(other than the  Custodian  appointed as of the Closing  Date)  pursuant to this
Section 8.11.

Section 8.12.  Appointment of Office or Agency.
               -------------------------------

        The Trustee will maintain an office or agency in the City of New York at
the  address  designated  in  Section  11.05  of  the  Series  Supplement  where

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Certificates  may be surrendered for  registration of transfer or exchange.  The
Trustee will  maintain an office at the address  stated in Section  11.05 of the
Series Supplement where notices and demands to or upon the Trustee in respect of
this Agreement may be served.

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                                   ARTICLE IX

              TERMINATION OR OPTIONAL PURCHASE OF ALL CERTIFICATES

Section 9.01.  Optional  Purchase by the Master  Servicer  of All  Certificates;
     Termination  Upon  Purchase by the Master  Servicer or  Liquidation  of All
     Mortgage Loans

(a) Subject to Section 9.02, the respective  obligations and responsibilities of
the Company,  the Master  Servicer and the Trustee  created hereby in respect of
the  Certificates  (other than the  obligation  of the  Trustee to make  certain
payments  after  the  Final  Distribution  Date  to  Certificateholders  and the
obligation  of the Company to send  certain  notices as  hereinafter  set forth)
shall  terminate upon the last action required to be taken by the Trustee on the
Final Distribution Date pursuant to this Article IX following the earlier of:

(i)  the later of the final  payment or other  liquidation  (or any Advance with
     respect  thereto) of the last Mortgage Loan  remaining in the Trust Fund or
     the disposition of all property  acquired upon  foreclosure or deed in lieu
     of foreclosure of any Mortgage Loan, or

(ii) the purchase by the Master  Servicer of all Mortgage Loans and all property
     acquired in respect of any Mortgage  Loan  remaining in the Trust Fund at a
     price equal to 100% of the unpaid  principal  balance of each Mortgage Loan
     or, if less than such unpaid  principal  balance,  the fair market value of
     the related  underlying  property  of such  Mortgage  Loan with  respect to
     Mortgage  Loans as to which  title has been  acquired  if such fair  market
     value is less than such unpaid  principal  balance (net of any unreimbursed
     Advances  attributable  to principal) on the day of repurchase plus accrued
     interest thereon at the Net Mortgage Rate (or Modified Net Mortgage Rate in
     the case of any Modified  Mortgage Loan) to, but not  including,  the first
     day of the month in which such repurchase  price is distributed,  provided,
     however,  that in no event shall the trust 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,  living on the date hereof and provided  further
     that the purchase price set forth above shall be increased as is necessary,
     as  determined by the Master  Servicer,  to avoid  disqualification  of any
     portion of any REMIC formed under the Series Supplement as a REMIC.

        The right of the Master Servicer to purchase all the assets of the Trust
Fund pursuant to clause (ii) above is conditioned upon the Pool Stated Principal
Balance  as  of  the  Final   Distribution  Date,  prior  to  giving  effect  to
distributions to be made on such Distribution  Date, being less than ten percent
of the Cut-off Date Principal Balance of the Mortgage Loans.

        If such right is exercised by the Master  Servicer,  the Master Servicer
shall be deemed to have been reimbursed for the full amount of any  unreimbursed
Advances theretofore made by it with respect to the Mortgage Loans. In addition,
the Master Servicer shall provide to the Trustee the  certification  required by
Section 3.15 and the Trustee and any Custodian shall, promptly following payment
of the  purchase  price,  release  to the Master  Servicer  the  Mortgage  Files
pertaining to the Mortgage Loans being purchased.

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<PAGE>

        In addition to the foregoing, on any Distribution Date on which the Pool
Stated Principal Balance,  prior to giving effect to distributions to be made on
such  Distribution  Date, is less than ten percent of the Cut-off Date Principal
Balance of the Mortgage Loans,  the Master Servicer shall have the right, at its
option, to purchase the Certificates in whole, but not in part, at a price equal
to the outstanding  Certificate  Principal Balance of such Certificates plus the
sum of Accrued  Certificate  Interest  thereon for the related  Interest Accrual
Period and any previously  unpaid Accrued  Certificate  Interest.  If the Master
Servicer  exercises  this right to purchase the  outstanding  Certificates,  the
Master  Servicer  will  promptly   terminate  the  respective   obligations  and
responsibilities  created hereby in respect of the Certificates pursuant to this
Article IX.

(b) The Master  Servicer  shall give the  Trustee  not less than 60 days'  prior
notice of the  Distribution  Date on which the Master Servicer  anticipates that
the final distribution will be made to  Certificateholders  (whether as a result
of the  exercise by the Master  Servicer of its right to purchase  the assets of
the Trust Fund or otherwise) or on which the Master  Servicer  anticipates  that
the  Certificates  will be purchased  (as a result of the exercise by the Master
Servicer to purchase the  outstanding  Certificates).  Notice of any termination
specifying the anticipated  Final  Distribution Date (which shall be a date that
would otherwise be a Distribution  Date) upon which the  Certificateholders  may
surrender their Certificates to the Trustee (if so required by the terms hereof)
for payment of the final distribution and cancellation or notice of any purchase
of the outstanding Certificates, specifying the Distribution Date upon which the
Holders may surrender their  Certificates  to the Trustee for payment,  shall be
given promptly by the Master Servicer (if it is exercising its right to purchase
the assets of the Trust Fund or to purchase the outstanding Certificates), or by
the Trustee (in any other case) by letter to the  Certificateholders  mailed not
earlier  than the 15th day and not  later  than the 25th day of the  month  next
preceding the month of such final distribution specifying:

(i)     the anticipated Final  Distribution Date upon which final payment of the
        Certificates is anticipated to be made upon  presentation  and surrender
        of  Certificates  at  the  office  or  agency  of  the  Trustee  therein
        designated where required  pursuant to this Agreement or, in the case of
        the purchase by the Master Servicer of the outstanding Certificates, the
        Distribution Date on which such purchase is to be made,

(ii)    the amount of any such final payment,  or in the case of the purchase of
        the  outstanding  Certificates,  the purchase  price, in either case, if
        known, and

(iii)   that the Record Date otherwise  applicable to such  Distribution Date is
        not applicable,  and in the case of the Senior  Certificates,  or in the
        case of all of the  Certificates  in connection with the exercise by the
        Master Servicer of its right to purchase the Certificates,  that payment
        will be made only upon presentation and surrender of the Certificates at
        the office or agency of the Trustee therein specified.

If the Master  Servicer is  obligated  to give notice to  Certificateholders  as
aforesaid,  it shall give such notice to the  Certificate  Registrar at the time
such  notice is given to  Certificateholders  and,  if the  Master  Servicer  is
exercising its rights to purchase the  outstanding  Certificates,  it shall give
such  notice  to each  Rating  Agency  at the  time  such  notice  is  given  to

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<PAGE>

Certificateholders.  As a result of the  exercise by the Master  Servicer of its
right to  purchase  the  assets of the Trust  Fund,  the Master  Servicer  shall
deposit  in the  Certificate  Account,  before  the Final  Distribution  Date in
immediately available funds an amount equal to the purchase price for the assets
of the Trust Fund,  computed as provided  above.  As a result of the exercise by
the Master Servicer of its right to purchase the outstanding  Certificates,  the
Master Servicer shall deposit in an Eligible Account,  established by the Master
Servicer on behalf of the Trustee and separate from the  Certificate  Account in
the name of the Trustee in trust for the registered holders of the Certificates,
before the  Distribution  Date on which such purchase is to occur in immediately
available  funds an amount  equal to the  purchase  price for the  Certificates,
computed as above  provided,  and provide notice of such deposit to the Trustee.
The Trustee will withdraw  from such account the amount  specified in subsection
(c) below.

(c) In the case of the Senior  Certificates,  upon presentation and surrender of
the Certificates by the Certificateholders thereof, and in the case of the Class
M and Class B Certificates,  upon presentation and surrender of the Certificates
by the Certificateholders  thereof in connection with the exercise by the Master
Servicer of its right to purchase the Certificates,  and otherwise in accordance
with Section 4.01(a), the Trustee shall distribute to the Certificateholders (i)
the  amount  otherwise  distributable  on  such  Distribution  Date,  if  not in
connection with the Master  Servicer's  election to repurchase the assets of the
Trust  Fund or the  outstanding  Certificates,  or (ii) if the  Master  Servicer
elected  to so  repurchase  the  assets  of the  Trust  Fund or the  outstanding
Certificates,  an  amount  determined  as  follows:  (A)  with  respect  to each
Certificate the outstanding  Certificate Principal Balance thereof, plus Accrued
Certificate  Interest for the related  Interest  Accrual  Period thereon and any
previously  unpaid  Accrued  Certificate  Interest,  subject to the priority set
forth in Section 4.02(a), and (B) with respect to the Class R Certificates,  any
excess of the amounts available for distribution (including the repurchase price
specified  in clause  (ii) of  subsection  (a) of this  Section)  over the total
amount distributed under the immediately  preceding clause (A).  Notwithstanding
the reduction of the Certificate  Principal  Balance of any Class of Subordinate
Certificates  to zero,  such  Class  will be  outstanding  hereunder  until  the
termination of the respective  obligations and  responsibilities of the Company,
the Master Servicer and the Trustee hereunder in accordance with Article IX.

(d) If any  Certificateholders  shall not surrender their Certificates for final
payment  and  cancellation  on or  before  the  Final  Distribution  Date (if so
required by the terms hereof), the Trustee shall on such date cause all funds in
the   Certificate   Account   not   distributed   in   final   distribution   to
Certificateholders  to be  withdrawn  therefrom  and  credited to the  remaining
Certificateholders by depositing such funds in a separate escrow account for the
benefit of such Certificateholders, and the Master Servicer (if it exercised its
right to purchase  the assets of the Trust  Fund),  or the Trustee (in any other
case) 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  six  months  after  the  second  notice  any
Certificate shall not have been surrendered for cancellation,  the Trustee shall
take  appropriate  steps as  directed  by the Master  Servicer  to  contact  the
remaining  Certificateholders  concerning  surrender of their Certificates.  The
costs  and  expenses  of  maintaining  the  escrow  account  and  of  contacting
Certificateholders  shall be paid out of the assets  which  remain in the escrow
account.  If within nine months after the second notice any  Certificates  shall

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<PAGE>

not have been surrendered for cancellation,  the Trustee shall pay to the Master
Servicer  all  amounts  distributable  to the  holders  thereof  and the  Master
Servicer shall  thereafter hold such amounts until  distributed to such Holders.
No interest  shall accrue or be payable to any  Certificateholder  on any amount
held in the  escrow  account  or by the  Master  Servicer  as a  result  of such
Certificateholder's  failure to surrender its  Certificate(s)  for final payment
thereof in accordance with this Section 9.01.

(e) If any  Certificateholders  do not surrender their Certificates on or before
the Distribution Date on which a purchase of the outstanding  Certificates is to
be made,  the  Trustee  shall on such date  cause  all funds in the  Certificate
Account  deposited therein by the Master Servicer pursuant to Section 9.01(b) to
be  withdrawn  therefrom  and  deposited  in a separate  escrow  account for the
benefit of such Certificateholders,  and the Master Servicer shall give a second
written notice to such  Certificateholders  to surrender their  Certificates for
payment of the purchase  price  therefor.  If within six months after the second
notice any Certificate  shall not have been  surrendered for  cancellation,  the
Trustee  shall take  appropriate  steps as  directed  by the Master  Servicer to
contact  the  Holders  of  such  Certificates   concerning  surrender  of  their
Certificates.  The costs and expenses of  maintaining  the escrow account and of
contacting  Certificateholders  shall be paid out of the assets  which remain in
the  escrow  account.  If  within  nine  months  after  the  second  notice  any
Certificates shall not have been surrendered for cancellation in accordance with
this  Section  9.01,  the Trustee  shall pay to the Master  Servicer all amounts
distributable  to the Holders thereof and the Master  Servicer shall  thereafter
hold such amounts until distributed to such Holders. No interest shall accrue or
be payable to any  Certificateholder on any amount held in the escrow account or
by the  Master  Servicer  as a result  of such  Certificateholder's  failure  to
surrender its  Certificate(s)  for payment in accordance with this Section 9.01.
Any  Certificate  that is not  surrendered on the  Distribution  Date on which a
purchase  pursuant to this Section 9.01 occurs as provided  above will be deemed
to have been  purchased  and the Holder as of such date will have no rights with
respect  thereto  except to receive the purchase  price therefor minus any costs
and expenses  associated with such escrow account and notices allocated thereto.
Any  Certificates  so  purchased  or  deemed  to  have  been  purchased  on such
Distribution Date shall remain  outstanding  hereunder until the Master Servicer
has terminated the respective obligations and responsibilities created hereby in
respect of the  Certificates  pursuant to this  Article IX. The Master  Servicer
shall be for all purposes the Holder thereof as of such date.

Section 9.02.  Additional Termination Requirements.
               -----------------------------------

(a) Each REMIC that  comprises  the Trust Fund shall be terminated in accordance
with the following additional requirements, unless (subject to Section 10.01(f))
the Trustee and the Master  Servicer have received an Opinion of Counsel  (which
Opinion of Counsel  shall not be an expense of the  Trustee)  to the effect that
the failure of each such REMIC to comply with the  requirements  of this Section
9.02 will not (i) result in the  imposition on the Trust of taxes on "prohibited
transactions,"  as described in Section 860F of the Code, or (ii) cause any such
REMIC  to fail to  qualify  as a REMIC  at any  time  that  any  Certificate  is
outstanding:

(i)     The Master Servicer shall establish a 90-day liquidation period for each
        such  REMIC and  specify  the first  day of such  period in a  statement
        attached  to the Trust  Fund's  final Tax Return  pursuant  to  Treasury
        regulations Section 1.860F-1. The Master Servicer also shall satisfy all
        of the requirements of a qualified liquidation for a REMIC under Section
        860F of the Code and regulations thereunder;

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<PAGE>

(ii)    The Master Servicer shall notify the Trustee at the commencement of such
        90-day  liquidation period and, at or prior to the time of making of the
        final payment on the  Certificates,  the Trustee shall sell or otherwise
        dispose of all of the  remaining  assets of the Trust Fund in accordance
        with the terms hereof; and

(iii)   If the  Master  Servicer  or the  Company  is  exercising  its  right to
        purchase the assets of the Trust Fund, the Master Servicer shall, during
        the 90-day  liquidation period and at or prior to the Final Distribution
        Date, purchase all of the assets of the Trust Fund for cash.

(b) Each Holder of a Certificate and the Trustee hereby irrevocably approves and
appoints the Master Servicer as its attorney-in-fact to adopt a plan of complete
liquidation  for each REMIC at the expense of the Trust Fund in accordance  with
the terms and conditions of this Agreement.

Section 9.03.  Termination of Multiple REMICs.
               -------------------------------

        If the REMIC  Administrator  makes two or more separate REMIC elections,
the  applicable   REMIC  shall  be  terminated  on  the  earlier  of  the  Final
Distribution  Date and the date on which it is deemed to receive the last deemed
distributions on the related Uncertificated REMIC Regular Interests and the last
distribution due on the Certificates is made.

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<PAGE>

                                   ARTICLE X

                                REMIC PROVISIONS

Section 10.01. REMIC Administration.

(a) The REMIC  Administrator  shall make an  election to treat the Trust Fund as
one or more REMICs under the Code and, if necessary, under applicable state law.
The assets of each such REMIC will be set forth in the Series  Supplement.  Such
election  will be  made  on  Form  1066  or  other  appropriate  federal  tax or
information return (including Form 8811) or any appropriate state return for the
taxable  year  ending  on the  last  day of  the  calendar  year  in  which  the
Certificates  are issued.  For the purposes of each REMIC election in respect of
the Trust Fund,  Certificates  and  interests to be  designated  as the "regular
interests"  and the sole class of "residual  interests" in the REMIC will be set
forth in Section 10.03 of the Series Supplement. The REMIC Administrator and the
Trustee shall not permit the creation of any "interests"  (within the meaning of
Section  860G of the Code) in any REMIC  elected  in  respect  of the Trust Fund
other than the "regular interests" and "residual interests" so designated.

(b) The Closing Date is hereby designated as the "startup day" of the Trust Fund
within the meaning of Section 860G(a)(9) of the Code.

(c) The REMIC  Administrator  shall hold a Class R  Certificate  representing  a
0.01%  Percentage  Interest each Class of the Class R Certificates  and shall be
designated as "the tax matters  person" with respect to each REMIC in the manner
provided under Treasury regulations section 1.860F-4(d) and Treasury regulations
section 301.6231(a)(7)-1.  The REMIC Administrator, as tax matters person, shall
(i) act on behalf of each REMIC in  relation  to any tax  matter or  controversy
involving the Trust Fund and (ii) 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 legal expenses,  including  without
limitation attorneys' or accountants' fees, and costs of any such proceeding and
any liability  resulting  therefrom  shall be expenses of the Trust Fund and the
REMIC Administrator  shall be entitled to reimbursement  therefor out of amounts
attributable  to the  Mortgage  Loans on  deposit  in the  Custodial  Account as
provided by Section  3.10 unless such legal  expenses  and costs are incurred by
reason  of the REMIC  Administrator's  willful  misfeasance,  bad faith or gross
negligence.  If  the  REMIC  Administrator  is no  longer  the  Master  Servicer
hereunder,  at its option the REMIC  Administrator  may  continue  its duties as
REMIC  Administrator  and shall be paid  reasonable  compensation  not to exceed
$3,000 per year by any successor Master Servicer  hereunder for so acting as the
REMIC Administrator.

(d) The REMIC Administrator shall prepare or cause to be prepared all of the Tax
Returns  that it  determines  are required  with  respect to each REMIC  created
hereunder and deliver such Tax Returns in a timely manner to the Trustee and the
Trustee shall sign and file such Tax Returns in a timely manner. The expenses of
preparing  such returns  shall be borne by the REMIC  Administrator  without any
right of reimbursement therefor. The REMIC Administrator agrees to indemnify and
hold harmless the Trustee with respect to any tax or liability  arising from the
Trustee's  signing of Tax Returns that contain errors or omissions.  The Trustee
and Master  Servicer shall promptly  provide the REMIC  Administrator  with such
information  as the REMIC  Administrator  may from time to time  request for the
purpose of enabling the REMIC Administrator to prepare Tax Returns.

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<PAGE>

(e) The REMIC  Administrator  shall  provide (i) to any  Transferor of a Class R
Certificate  such  information  as is necessary for the  application  of any tax
relating  to the  transfer of a Class R  Certificate  to any Person who is not a
Permitted Transferee,  (ii) to the Trustee, and the Trustee shall forward to the
Certificateholders,  such  information or reports as are required by the Code or
the REMIC  Provisions  including  reports  relating to interest,  original issue
discount and market  discount or premium (using the Prepayment  Assumption)  and
(iii) to the Internal  Revenue  Service the name,  title,  address and telephone
number of the person who will serve as the representative of each REMIC.

(f) The Master Servicer and the REMIC  Administrator shall take such actions and
shall cause each REMIC created  hereunder to take such actions as are reasonably
within the Master Servicer's or the REMIC Administrator's  control and the scope
of its  duties  more  specifically  set forth  herein as shall be  necessary  or
desirable  to  maintain  the  status  of each  REMIC as a REMIC  under the REMIC
Provisions  (and the  Trustee  shall  assist the Master  Servicer  and the REMIC
Administrator, to the extent reasonably requested by the Master Servicer and the
REMIC  Administrator to do so). The Master Servicer and the REMIC  Administrator
shall not knowingly or  intentionally  take any action,  cause the Trust Fund to
take any  action  or fail to take (or fail to  cause  to be  taken)  any  action
reasonably within their respective control that, under the REMIC Provisions,  if
taken or not taken,  as the case may be,  could (i)  endanger  the status of any
portion  of any REMIC  formed  under the  Series  Supplement  as a REMIC or (ii)
result in the imposition of a tax upon any such REMIC (including but not limited
to the tax on prohibited  transactions  as defined in Section  860F(a)(2) of the
Code and the tax on contributions to a REMIC set forth in Section 860G(d) of the
Code)  (either  such  event,  in the  absence  of an  Opinion  of Counsel or the
indemnification  referred to in this sentence,  an "Adverse REMIC Event") unless
the Master Servicer or the REMIC Administrator,  as applicable,  has received an
Opinion of Counsel (at the expense of the party  seeking to take such action or,
if such party fails to pay such  expense,  and the Master  Servicer or the REMIC
Administrator, as applicable,  determines that taking such action is in the best
interest  of the Trust Fund and the  Certificateholders,  at the  expense of the
Trust  Fund,  but in no event at the expense of the Master  Servicer,  the REMIC
Administrator  or the Trustee) to the effect that the  contemplated  action will
not,  with respect to each REMIC  created  hereunder,  endanger  such status or,
unless the Master  Servicer,  the REMIC  Administrator  or both, as  applicable,
determine in its or their sole  discretion  to indemnify  the Trust Fund against
the imposition of such a tax,  result in the imposition of such a tax.  Wherever
in this Agreement a  contemplated  action may not be taken because the timing of
such action might result in the  imposition  of a tax on the Trust Fund,  or may
only be taken  pursuant  to an  Opinion of Counsel  that such  action  would not
impose a tax on the Trust Fund,  such action may  nonetheless  be taken provided
that the  indemnity  given in the  preceding  sentence with respect to any taxes
that  might be  imposed  on the  Trust  Fund has been  given  and that all other
preconditions  to the taking of such  action  have been  satisfied.  The Trustee
shall not take or fail to take any action (whether or not authorized  hereunder)
as to which the Master Servicer or the REMIC Administrator,  as applicable,  has
advised it in writing  that it has  received an Opinion of Counsel to the effect
that an Adverse  REMIC  Event  could  occur  with  respect  to such  action.  In
addition, prior to taking any action with respect to any REMIC created hereunder
or any  related  assets  thereof,  or causing any such REMIC to take any action,
which is not expressly permitted under the terms of this Agreement,  the Trustee

                                      102
<PAGE>

will consult with the Master Servicer or the REMIC Administrator, as applicable,
or its designee,  in writing, with respect to whether such action could cause an
Adverse  REMIC Event to occur with  respect to any such  REMIC,  and the Trustee
shall not take any such  action or cause any such REMIC to take any such  action
as to which the Master Servicer or the REMIC Administrator,  as applicable,  has
advised it in writing  that an  Adverse  REMIC  Event  could  occur.  The Master
Servicer or the REMIC Administrator,  as applicable, may consult with counsel to
make  such  written  advice,  and the cost of same  shall be borne by the  party
seeking to take the action not expressly permitted by this Agreement,  but in no
event at the expense of the Master Servicer or the REMIC  Administrator.  At all
times as may be required  by the Code,  the Master  Servicer  will to the extent
within its  control  and the scope of its  duties  more  specifically  set forth
herein, maintain substantially all of the assets of each REMIC created hereunder
as  "qualified  mortgages"  as  defined in  Section  860G(a)(3)  of the Code and
"permitted investments" as defined in Section 860G(a)(5) of the Code.

(g) In the event  that any tax is imposed on  "prohibited  transactions"  of any
REMIC  created  hereunder as defined in Section  860F(a)(2) of the Code, on "net
income  from  foreclosure  property"  of any such  REMIC as  defined  in Section
860G(c) of the Code,  on any  contributions  to any such REMIC after the Startup
Day  therefor  pursuant  to  Section  860G(d)  of the Code,  or any other tax is
imposed  by the Code or any  applicable  provisions  of state or local tax laws,
such tax shall be charged (i) to the Master Servicer,  if such tax arises out of
or results from a breach by the Master Servicer of any of its obligations  under
this Agreement or the Master Servicer has in its sole  discretion  determined to
indemnify  the Trust Fund  against such tax,  (ii) to the  Trustee,  if such tax
arises out of or results from a breach by the Trustee of any of its  obligations
under  this  Article  X, or (iii)  otherwise  against  amounts on deposit in the
Custodial  Account as provided by Section 3.10 and on the  Distribution  Date(s)
following such  reimbursement  the aggregate of such taxes shall be allocated in
reduction of the Accrued Certificate  Interest on each Class entitled thereto in
the same manner as if such taxes constituted a Prepayment Interest Shortfall.

(h) The Trustee and the Master Servicer shall,  for federal income tax purposes,
maintain  books and records  with respect to each REMIC  created  hereunder on a
calendar  year and on an accrual  basis or as  otherwise  may be required by the
REMIC Provisions.

(i) Following the Startup Day, neither the Master Servicer nor the Trustee shall
accept  any  contributions  of  assets  to any REMIC  created  hereunder  unless
(subject to Section  10.01(f))  the Master  Servicer and the Trustee  shall have
received an Opinion of Counsel (at the expense of the party seeking to make such
contribution) to the effect that the inclusion of such assets in such REMIC will
not  cause  the  REMIC  to fail to  qualify  as a REMIC  at any  time  that  any
Certificates  are  outstanding  or subject  the REMIC to any tax under the REMIC
Provisions or other  applicable  provisions  of federal,  state and local law or
ordinances.

(j)  Neither  the Master  Servicer  nor the  Trustee  shall  (subject to Section
10.01(f)) enter into any  arrangement by which any REMIC created  hereunder will
receive a fee or other  compensation  for  services nor permit any such REMIC to
receive any income from assets other than  "qualified  mortgages"  as defined in
Section 860G(a)(3) of the Code or "permitted  investments" as defined in Section
860G(a)(5) of the Code.

                                      103
<PAGE>

(k)  Solely for the  purposes  of Section  1.860G-1(a)(4)(iii)  of the  Treasury
Regulations,  the  "latest  possible  maturity  date" by which  the  Certificate
Principal  Balance of each Class of  Certificates  (other than the Interest Only
Certificates)  representing a regular  interest in the applicable  REMIC and the
Uncertificated  Principal Balance of each Uncertificated  REMIC Regular Interest
(other than each  Uncertificated  REMIC Regular Interest  represented by a Class
A-V  Certificate,  if any) and the rights to the Interest Only  Certificates and
Uncertificated  REMIC Regular  Interest  represented by a Class A-V  Certificate
would be  reduced to zero is the  Maturity  Date for each such  Certificate  and
Interest.

(l) Within 30 days after the Closing Date, the REMIC Administrator shall prepare
and file with the Internal  Revenue Service Form 8811,  "Information  Return for
Real Estate Mortgage  Investment  Conduits (REMIC) and Issuers of Collateralized
Debt Obligations" for each REMIC created hereunder.

(m)  Neither  the Trustee  nor the Master  Servicer  shall  sell,  dispose of or
substitute  for any of the Mortgage  Loans  (except in  connection  with (i) the
default,  imminent default or foreclosure of a Mortgage Loan,  including but not
limited to, the acquisition or sale of a Mortgaged  Property acquired by deed in
lieu of foreclosure,  (ii) the bankruptcy of any REMIC created hereunder,  (iii)
the  termination  of any such REMIC  pursuant to Article IX of this Agreement or
(iv) a  purchase  of  Mortgage  Loans  pursuant  to  Article  II or III of  this
Agreement) nor acquire any assets for any such REMIC, nor sell or dispose of any
investments  in the Custodial  Account or the  Certificate  Account for gain nor
accept any  contributions to any such REMIC after the Closing Date unless it has
received  an Opinion of Counsel  that such sale,  disposition,  substitution  or
acquisition will not (a) affect adversely the status of such REMIC as a REMIC or
(b)  unless  the  Master  Servicer  has  determined  in its sole  discretion  to
indemnify  the Trust Fund against such tax,  cause such REMIC to be subject to a
tax on  "prohibited  transactions"  or  "contributions"  pursuant  to the  REMIC
Provisions.

Section 10.02. Master Servicer, REMIC Administrator and Trustee Indemnification.
               -----------------------------------------------------------------

(a) The Trustee  agrees to  indemnify  the Trust Fund,  the  Company,  the REMIC
Administrator and the Master Servicer for any taxes and costs including, without
limitation,  any  reasonable  attorneys fees imposed on or incurred by the Trust
Fund,  the  Company  or the  Master  Servicer,  as a result  of a breach  of the
Trustee's covenants set forth in Article VIII or this Article X.

(b) The REMIC Administrator agrees to indemnify the Trust Fund, the Company, the
Master  Servicer  and the  Trustee for any taxes and costs  (including,  without
limitation,  any reasonable attorneys' fees) imposed on or incurred by the Trust
Fund, the Company,  the Master Servicer or the Trustee,  as a result of a breach
of the REMIC Administrator's  covenants set forth in this Article X with respect
to compliance  with the REMIC  Provisions,  including  without  limitation,  any
penalties  arising from the Trustee's  execution of Tax Returns  prepared by the
REMIC Administrator that contain errors or omissions;  provided,  however,  that
such  liability  will not be imposed to the extent such breach is a result of an
error or omission in  information  provided  to the REMIC  Administrator  by the
Master Servicer in which case Section 10.02(c) will apply.

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<PAGE>

(c) The Master  Servicer  agrees to indemnify the Trust Fund,  the Company,  the
REMIC Administrator and the Trustee for any taxes and costs (including,  without
limitation,  any reasonable attorneys' fees) imposed on or incurred by the Trust
Fund,  the Company,  the REMIC  Administrator  or the Trustee,  as a result of a
breach of the  Master  Servicer's  covenants  set forth in this  Article X or in
Article III with  respect to  compliance  with the REMIC  Provisions,  including
without  limitation,  any penalties arising from the Trustee's  execution of Tax
Returns prepared by the Master Servicer that contain errors or omissions.

Section 10.03. Designation of REMIC(s).
               ------------------------

        As provided in Section 10.03 of the Series Supplement.

                                      105
<PAGE>

                                   ARTICLE XI
                            MISCELLANEOUS PROVISIONS

Section 11.01. Amendment.

(a) This  Agreement or any Custodial  Agreement may be amended from time to time
by the Company, the Master Servicer and the Trustee,  without the consent of any
of the Certificateholders:

(i)     to cure any ambiguity,

(ii)    to correct or supplement any provisions herein or therein,  which may be
        inconsistent  with any other provisions  herein or therein or to correct
        any error,

(iii)to modify,  eliminate  or add to any of its  provisions  to such  extent as
     shall be necessary or desirable to maintain the  qualification of the Trust
     Fund as a REMIC at all times  that any  Certificate  is  outstanding  or to
     avoid or minimize the risk of the  imposition  of any tax on the Trust Fund
     pursuant to the Code that would be a claim against the Trust Fund, provided
     that the Trustee has  received an Opinion of Counsel to the effect that (A)
     such action is necessary or desirable to maintain such  qualification or to
     avoid or minimize the risk of the  imposition  of any such tax and (B) such
     action will not adversely  affect in any material  respect the interests of
     any Certificateholder,

(iv) to change the timing and/or  nature of deposits into the Custodial  Account
     or the  Certificate  Account or to change  the name in which the  Custodial
     Account is maintained,  provided that (A) the  Certificate  Account Deposit
     Date shall in no event be later than the  related  Distribution  Date,  (B)
     such change  shall not, as  evidenced  by an Opinion of Counsel,  adversely
     affect in any material respect the interests of any  Certificateholder  and
     (C) such change shall not result in a reduction  of the rating  assigned to
     any Class of Certificates below the lower of the then-current rating or the
     rating  assigned to such  Certificates as of the Closing Date, as evidenced
     by a letter from each Rating Agency to such effect,

(v)  to modify,  eliminate or add to the  provisions  of Section  5.02(f) or any
     other provision hereof restricting transfer of the Class R Certificates, by
     virtue of their being the "residual  interests"  in a REMIC,  provided that
     (A) such change shall not result in reduction of the rating assigned to any
     such Class of Certificates  below the lower of the  then-current  rating or
     the  rating  assigned  to such  Certificates  as of the  Closing  Date,  as
     evidenced by a letter from each Rating Agency to such effect,  and (B) such
     change shall not (subject to Section 10.01(f)),  as evidenced by an Opinion
     of Counsel (at the expense of the party seeking so to modify,  eliminate or
     add such  provisions),  cause any  REMIC  created  hereunder  or any of the
     Certificateholders  (other than the  transferor) to be subject to a federal
     tax caused by a transfer to a Person that is not a Permitted Transferee,

(vi) to make any other  provisions with respect to matters or questions  arising
     under  this  Agreement  or such  Custodial  Agreement  which  shall  not be
     materially  inconsistent  with the provisions of this  Agreement,  provided
     that such  action  shall  not,  as  evidenced  by an  Opinion  of  Counsel,
     adversely   affect  in  any   material   respect  the   interests   of  any
     Certificateholder or

                                      106
<PAGE>

(vii)to amend any  provision  herein or therein  that is not  material to any of
     the Certificateholders.

(b) This  Agreement or any Custodial  Agreement may also be amended from time to
time by the Company, the Master Servicer and the Trustee with the consent of the
Holders of  Certificates  evidencing  in the  aggregate not less than 66% of the
Percentage Interests of each Class of Certificates with a Certificate  Principal
Balance  greater  than zero  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 such  Custodial  Agreement or of modifying in any manner the
rights of the Holders of Certificates of such Class; provided,  however, that no
such amendment shall:

(i)  reduce in any manner the amount of, or delay the timing of,  payments which
     are required to be  distributed on any  Certificate  without the consent of
     the Holder of such Certificate,

(ii)    reduce the aforesaid percentage of Certificates of any Class the Holders
        of which are required to consent to any such amendment, in any such case
        without  the consent of the  Holders of all  Certificates  of such Class
        then outstanding.

(c) Notwithstanding any contrary provision of this Agreement,  the Trustee shall
not  consent  to any  amendment  to this  Agreement  unless it shall  have first
received an Opinion of Counsel  (subject to Section  10.01(f) and at the expense
of the party seeking such  amendment)  to the effect that such  amendment or the
exercise of any power granted to the Master Servicer, the Company or the Trustee
in accordance with such amendment will not result in the imposition of a federal
tax on the Trust Fund or cause any REMIC created under the Series  Supplement to
fail to qualify as a REMIC at any time that any Certificate is outstanding.

(d) Promptly after the execution of any such amendment the Trustee shall furnish
written  notification  of the  substance of such  amendment to the Custodian and
each   Certificateholder.   It  shall  not  be  necessary  for  the  consent  of
Certificateholders  under this Section 11.01 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  Certificateholders  shall be
subject to such reasonable regulations as the Trustee may prescribe.

(e) The Company  shall have the option,  in its sole  discretion,  to obtain and
deliver to the Trustee any corporate guaranty,  payment obligation,  irrevocable
letter of credit,  surety  bond,  insurance  policy or similar  instrument  or a
reserve fund, or any combination of the foregoing, for the purpose of protecting
the Holders of the Class B  Certificates  against any or all Realized  Losses or
other  shortfalls.  Any such instrument or fund shall be held by the Trustee for
the benefit of the Class B Certificateholders, but shall not be and shall not be
deemed to be under any  circumstances  included in the Trust Fund. To the extent
that any such  instrument or fund  constitutes a reserve fund for federal income
tax purposes,  (i) any reserve fund so established  shall be an outside  reserve
fund and not an asset of the Trust  Fund,  (ii) any such  reserve  fund shall be

                                      107
<PAGE>

owned by the Company,  and (iii)  amounts  transferred  by the Trust Fund to any
such reserve fund shall be treated as amounts  distributed  by the Trust Fund to
the Company or any  successor,  all within the  meaning of Treasury  Regulations
Section  1.860G-2(h) as it reads as of the Cut-off Date. In connection  with the
provision of any such  instrument  or fund,  this  Agreement  and any  provision
hereof may be modified,  added to,  deleted or  otherwise  amended in any manner
that is related or incidental to such instrument or fund or the establishment or
administration thereof, such amendment to be made by written instrument executed
or consented to by the Company but without the consent of any  Certificateholder
and  without the consent of the Master  Servicer or the Trustee  being  required
unless  any such  amendment  would  impose  any  additional  obligation  on,  or
otherwise adversely affect the interests of the Senior  Certificateholders,  the
Class M  Certificateholders,  the Master Servicer or the Trustee, as applicable;
provided that the Company  obtains  (subject to Section  10.01(f)) an Opinion of
Counsel (which need not be an opinion of Independent counsel) to the effect that
any such amendment will not cause (a) any federal tax to be imposed on the Trust
Fund,  including  without  limitation,  any federal  tax imposed on  "prohibited
transactions"  under Section  860F(a)(1) of the Code or on "contributions  after
the startup date" under Section 860G(d)(1) of the Code and (b) any REMIC created
hereunder  to fail to  qualify  as a REMIC at any time that any  Certificate  is
outstanding.  In the event that the Company  elects to provide such  coverage in
the  form  of  a  limited  guaranty   provided  by  General  Motors   Acceptance
Corporation,  the  Company  may elect  that the text of such  amendment  to this
Agreement  shall be  substantially  in the form attached hereto as Exhibit K (in
which case  Residential  Funding's  Subordinate  Certificate  Loss Obligation as
described in such exhibit shall be established by Residential  Funding's consent
to such  amendment) and that the limited  guaranty shall be executed in the form
attached  hereto as Exhibit L, with such changes as the Company shall deem to be
appropriate;  it being understood that the Trustee has reviewed and approved the
content of such forms and that the  Trustee's  consent  or  approval  to the use
thereof is not required.

Section 11.02. Recordation of Agreement; Counterparts.
               ---------------------------------------

(a) To the extent  permitted by  applicable  law,  this  Agreement is subject to
recordation in all appropriate  public offices for real property  records in all
the  counties  or other  comparable  jurisdictions  in  which  any or all of the
properties  subject to the Mortgages are situated,  and in any other appropriate
public  recording  office or elsewhere,  such  recordation to be effected by the
Master Servicer and at its expense on direction by the Trustee  (pursuant to the
request  of  Holders  of  Certificates  entitled  to at least 25% of the  Voting
Rights),  but only upon  direction  accompanied  by an Opinion of Counsel to the
effect that such recordation  materially and beneficially  affects the interests
of the Certificateholders.

(b) For the purpose of facilitating  the recordation of this Agreement as herein
provided and for other purposes,  this Agreement may be executed  simultaneously
in any number of counterparts,  each of which counterparts shall be deemed to be
an  original,  and  such  counterparts  shall  constitute  but one and the  same
instrument.

                                      108
<PAGE>

Section 11.03. Limitation on Rights of Certificateholders.
               -------------------------------------------

(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 to take any action or
proceeding  in any court for a partition  or winding up of the Trust  Fund,  nor
otherwise  affect the rights,  obligations and liabilities of any of the parties
hereto.

(b) No  Certificateholder  shall  have any right to vote  (except  as  expressly
provided herein) or in any manner otherwise control 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.

(c) No Certificateholder shall have any right by virtue 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 default  and of the  continuance
thereof, as hereinbefore  provided,  and unless also the Holders of Certificates
of any  Class  evidencing  in the  aggregate  not less  than 25% of the  related
Percentage  Interests of such Class,  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 costs,  expenses and liabilities to be incurred  therein
or  thereby,  and the  Trustee,  for 60 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  it being  understood  and intended,  and being
expressly    covenanted   by   each    Certificateholder    with   every   other
Certificateholder  and the Trustee,  that no one or more Holders of Certificates
of any  Class  shall  have any  right in any  manner  whatever  by virtue of any
provision of this  Agreement to affect,  disturb or prejudice  the rights of the
Holders of any other of such  Certificates  of such Class or any other Class, 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 common benefit of  Certificateholders  of such Class
or all Classes,  as the case may be. For the protection  and  enforcement of the
provisions  of this  Section  11.03,  each and every  Certificateholder  and the
Trustee  shall be entitled  to such  relief as can be given  either at law or in
equity.

Section 11.04. Governing Law.
               -------------

        This agreement and the  Certificates  shall be governed by and construed
in accordance with the laws of the State of New York and the obligations, rights
and remedies of the parties  hereunder  shall be determined  in accordance  with
such laws.

                                      109
<PAGE>

Section 11.05. Notices.
               -------

        As provided in Section 11.05 of the Series Supplement.

Section 11.06. Required Notices to Rating Agency and Subservicer.
               --------------------------------------------------

        The Company,  the Master Servicer or the Trustee,  as applicable,  shall
notify each Rating  Agency and the  Subservicer  at such time as it is otherwise
required  pursuant to this Agreement to give notice of the occurrence of, any of
the events described in clause (a), (b), (c), (d), (g), (h), (i) or (j) below or
provide a copy to each Rating  Agency at such time as  otherwise  required to be
delivered  pursuant to this  Agreement  of any of the  statements  described  in
clauses (e) and (f) below:

(a)     a material change or amendment to this Agreement,

(b)     the occurrence of an Event of Default,

(c)  the termination or appointment of a successor Master Servicer or Trustee or
     a change in the majority ownership of the Trustee,

(d)     the filing of any claim  under the Master  Servicer's  blanket  fidelity
        bond and the errors and omissions  insurance  policy required by Section
        3.12 or the  cancellation  or  modification  of coverage  under any such
        instrument,

(e)  the  statement  required  to be  delivered  to the Holders of each Class of
     Certificates pursuant to Section 4.03,

(f)  the statements required to be delivered pursuant to Sections 3.18 and 3.19,

(g)  a change  in the  location  of the  Custodial  Account  or the  Certificate
     Account,

(h)     the  occurrence of any monthly cash flow shortfall to the Holders of any
        Class of Certificates  resulting from the failure by the Master Servicer
        to make an Advance pursuant to Section 4.04,

(i)     the occurrence of the Final Distribution Date, and

(j)     the repurchase of or substitution for any Mortgage Loan,
provided,  however,  that with respect to notice of the occurrence of the events
described in clauses (d), (g) or (h) above,  the Master  Servicer  shall provide
prompt  written  notice to each Rating  Agency and the  Subservicer  of any such
event known to the Master Servicer.

Section 11.07. 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.

                                      110
<PAGE>

Section 11.08. Supplemental Provisions for Resecuritization.
               ---------------------------------------------

        This  Agreement  may be  supplemented  by  means  of the  addition  of a
separate  Article  hereto  (a   "Supplemental   Article")  for  the  purpose  of
resecuritizing  any of the Certificates  issued  hereunder,  under the following
circumstances.  With  respect  to any Class or Classes  of  Certificates  issued
hereunder,  or any portion of any such Class,  as to which the Company or any of
its  Affiliates  (or  any  designee  thereof)  is  the  registered  Holder  (the
"Resecuritized  Certificates"),  the  Company  may  deposit  such  Resecuritized
Certificates into a new REMIC, grantor trust, FASIT or custodial  arrangement (a
"Restructuring  Vehicle") to be held by the Trustee  pursuant to a  Supplemental
Article.  The instrument adopting such Supplemental Article shall be executed by
the Company,  the Master  Servicer and the Trustee;  provided,  that neither the
Master  Servicer nor the Trustee shall withhold  their consent  thereto if their
respective  interests would not be materially adversely affected thereby. To the
extent that the terms of the  Supplemental  Article do not in any way affect any
provisions  of this  Agreement as to any of the  Certificates  initially  issued
hereunder,  the adoption of the  Supplemental  Article  shall not  constitute an
"amendment" of this Agreement.

        Each  Supplemental  Article  shall set forth  all  necessary  provisions
relating to the holding of the  Resecuritized  Certificates by the Trustee,  the
establishment of the  Restructuring  Vehicle,  the issuing of various classes of
new certificates by the  Restructuring  Vehicle and the distributions to be made
thereon,  and any  other  provisions  necessary  for the  purposes  thereof.  In
connection  with each  Supplemental  Article,  the Company  shall deliver to the
Trustee an Opinion of Counsel to the effect that (i) the  Restructuring  Vehicle
will  qualify as a REMIC,  grantor  trust,  FASIT or other entity not subject to
taxation  for  federal  income  tax  purposes  and  (ii)  the  adoption  of  the
Supplemental  Article  will not endanger the status of the Trust Fund as a REMIC
or  (subject to Section  10.01(f))  result in the  imposition  of a tax upon the
Trust Fund  (including but not limited to the tax on prohibited  transactions as
defined  in Section  860F(a)(2)  of the Code and the tax on  contributions  to a
REMIC as set forth in Section 860G(d) of the Code).

Section 11.09. Allocation of Voting Rights.
               ----------------------------

               As provided in Section 11.09 of the Series Supplement.

Section 11.10. No Petition.
               -----------

               As provided in Section 11.10 of the Series Supplement.

                                      111
<PAGE>

                                    EXHIBIT A

FORM  OF  CLASS  A  CERTIFICATE,  [PRINCIPAL  ONLY/CLASS  A-P]  CERTIFICATE  AND
[INTEREST ONLY/CLASS A-V] CERTIFICATE

        SOLELY FOR U.S.  FEDERAL  INCOME TAX  PURPOSES,  THIS  CERTIFICATE  IS A
"REGULAR  INTEREST" IN A "REAL  ESTATE  MORTGAGE  INVESTMENT  CONDUIT," AS THOSE
TERMS ARE  DEFINED,  RESPECTIVELY,  IN  SECTIONS  860G AND 860D OF THE  INTERNAL
REVENUE CODE OF 1986.

        UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED  REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION  ("DTC"),  TO 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  FOLLOWING  INFORMATION  IS  PROVIDED  SOLELY FOR THE  PURPOSES  OF
APPLYING THE U.S.  FEDERAL INCOME TAX ORIGINAL  ISSUE DISCOUNT  ("OID") RULES TO
THIS  CERTIFICATE.  THE ISSUE DATE OF THIS  CERTIFICATE IS ___________ __, ____.
ASSUMING  THAT THE  MORTGAGE  LOANS  PREPAY AT [___]%  OF THE  PREPAYMENT  SPEED
ASSUMPTION (AS DESCRIBED IN THE PROSPECTUS SUPPLEMENT), [AND ASSUMING A CONSTANT
PASS-THROUGH RATE EQUAL TO THE INITIAL  PASS-THROUGH RATE,] THIS CERTIFICATE HAS
BEEN ISSUED WITH NO MORE THAN $[ ] OF OID PER  [$1,000]  [$100,000]  OF [INITIAL
CERTIFICATE  PRINCIPAL BALANCE] [NOTIONAL AMOUNT], THE YIELD TO MATURITY IS [ ]%
AND THE AMOUNT OF OID ATTRIBUTABLE TO THE INITIAL ACCRUAL PERIOD IS NO MORE THAN
$[  ]  PER  [$1,000]  [$100,000]  OF  [INITIAL  CERTIFICATE  PRINCIPAL  BALANCE]
[NOTIONAL AMOUNT],  COMPUTED USING THE APPROXIMATE  METHOD. NO REPRESENTATION IS
MADE THAT THE MORTGAGE LOANS WILL PREPAY AT A RATE BASED ON THE PREPAYMENT SPEED
ASSUMPTION  OR AT ANY  OTHER  RATE OR AS TO THE  CONSTANCY  OF THE  PASS-THROUGH
RATE.]
<PAGE>

Certificate No.                    [        %][Variable] Pass-Through Rate
                --------            --------
                                   [based on a Notional Amount]
Class A-     Senior
Date of Pooling and Servicing      [Percentage Interest:       %]
                                                         ------
Agreement and Cut-off Date:
___________ 1, ____                Aggregate Initial [Certificate Principal
                                   Balance] [[Interest Only/Class A-V] Notional
First Distribution Date:           Amount] [Subclass Notional Amount] of the
_________ 25, ____                 Class A-     Certificates:
                                           ----

Master Servicer:                   [Initial] [Certificate Principal
Residential Funding                Balance] [Interest Only/Class A-V] [Subclass]
Corporation                        Notional Amount] of this Certificate:
                                   $                          ]
Assumed Final
Distribution Date:                 CUSIP 76110F-
___________ 25, ____

                 MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE
                                 SERIES ____-___

               evidencing a percentage  interest in the distributions  allocable
               to the  Class  A-  Certificates  with  respect  to a  Trust  Fund
               consisting   primarily  of  a  pool  of   conventional   one-  to
               four-family  fixed  interest rate first mortgage loans formed and
               sold by RESIDENTIAL ACCREDIT LOANS, INC.

     This  Certificate  is payable solely from the assets of the Trust Fund, and
does not represent an obligation of or interest in Residential  Accredit  Loans,
Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group,
Inc. or any of their  affiliates.  Neither this  Certificate  nor the underlying
Mortgage  Loans  are  guaranteed  or  insured  by  any  governmental  agency  or
instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the
Trustee or GMAC Mortgage  Group,  Inc. or any of their  affiliates.  None of the
Company,  the  Master  Servicer,  GMAC  Mortgage  Group,  Inc.  or any of  their
affiliates  will have any  obligation  with respect to any  certificate or other
obligation secured by or payable from payments on the Certificates.

     This  certifies  that____________________  is the  registered  owner of the
Percentage  Interest  evidenced by this  Certificate  [(obtained by dividing the
[Initial  Certificate  Principal  Balance]  [Initial  [Interest  Only/Class A-V]
Notional  Amount] of this  Certificate  by the  aggregate  [Initial  Certificate
Principal Balance of all Class A- Certificates]  [Initial  [Interest  Only/Class
A-V] Notional Amounts of all [Interest  Only/Class A-V]  Certificates],  both as
specified  above)]  in  certain  distributions  with  respect  to the Trust Fund
consisting  primarily  of  an  interest  in  a  pool  of  conventional  one-  to
four-family  fixed interest rate first  mortgage  loans (the "Mortgage  Loans"),

<PAGE>

formed and sold by Residential  Accredit  Loans,  Inc.  (hereinafter  called the
"Company," which term includes any successor entity under the Agreement referred
to below).  The Trust  Fund was  created  pursuant  to a Pooling  and  Servicing
Agreement  dated as specified  above (the  "Agreement")  among the Company,  the
Master Servicer and __________________, as trustee (the "Trustee"), a summary of
certain of the  pertinent  provisions  of which is set forth  hereafter.  To the
extent not defined herein,  the capitalized  terms used herein have the meanings
assigned in the  Agreement.  This  Certificate is issued under and is subject to
the terms,  provisions and conditions of the Agreement,  to which  Agreement the
Holder of this  Certificate  by virtue of the  acceptance  hereof assents and by
which such Holder is bound.

               Pursuant to the terms of the Agreement,  a  distribution  will be
made on the 25th day of each month or, if such 25th day is not a  Business  Day,
the Business Day immediately following (the "Distribution Date"),  commencing as
described  in the  Agreement,  to the Person in whose name this  Certificate  is
registered  at the close of business on the last day (or if such last day is not
a Business  Day, the Business Day  immediately  preceding  such last day) of the
month immediately  preceding the month of such distribution (the "Record Date"),
from the Available  Distribution Amount in an amount equal to the product of the
Percentage  Interest  evidenced by this Certificate and the amount [(of interest
and  principal,  if any)]  required  to be  distributed  to  Holders of Class A-
Certificates on such Distribution Date. [The [Interest  Only/Class A-V] Notional
Amount  of  the  [Interest  Only/Class  A-V]  Certificates  as of  any  date  of
determination is equal to the aggregate Stated Principal Balance of the Mortgage
Loans corresponding to the Uncertificated REMIC Regular Interests represented by
such [Interest  Only/Class A-V]  Certificates.] [The Subclass Notional Amount of
the [Interest  Only/Class A-V]-  Certificates as of any date of determination is
equal  to  the  aggregate  Stated  Principal   Balance  of  the  Mortgage  Loans
corresponding to the Uncertificated REMIC Regular Interests  represented by such
[Interest  Only/Class A-V]-  Certificates  immediately prior to such date.] [The
[Interest  Only/Class  A-V][-  ]  Certificates  have  no  Certificate  Principal
Balance.]

               Distributions  on this  Certificate  will be made  either  by the
Master  Servicer  acting on behalf of the Trustee or by a Paying Agent appointed
by the Trustee in  immediately  available  funds (by wire transfer or otherwise)
for the  account of the Person  entitled  thereto if such  Person  shall have so
notified  the Master  Servicer or such Paying  Agent,  or by check mailed to the
address of the Person entitled thereto, as such name and address shall appear on
the Certificate Register.

               Notwithstanding   the  above,  the  final  distribution  on  this
Certificate  will be made after due notice of the pendency of such  distribution
and only upon  presentation  and surrender of this  Certificate at the office or
agency  appointed  by the Trustee for that  purpose in the City and State of New
York. The [Initial Certificate  Principal Balance] [Initial [Interest Only/Class
A-V] Notional Amount] [initial  Subclass Notional Amount] of this Certificate is
set forth above.] [The Certificate  Principal  Balance hereof will be reduced to
the extent of  distributions  allocable  to principal  and any  Realized  Losses
allocable hereto.]

               This   Certificate  is  one  of  a  duly   authorized   issue  of
Certificates  issued in several  Classes  designated  as  Mortgage  Asset-Backed
Pass-Through  Certificates of the Series specified  hereon (herein  collectively
called the "Certificates").

               The  Certificates  are  limited  in right of  payment  to certain
collections  and  recoveries   respecting  the  Mortgage  Loans,   all  as  more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds  are  advanced  with  respect  to  any  Mortgage  Loan,  such  advance  is
reimbursable  to the Master  Servicer,  to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.
<PAGE>

               As  provided in the  Agreement,  withdrawals  from the  Custodial
Account   and/or  the   Certificate   Account   created   for  the   benefit  of
Certificateholders  may be made by the  Master  Servicer  from  time to time for
purposes other than distributions to Certificateholders, such purposes including
without  limitation  reimbursement  to the  Company  and the Master  Servicer of
advances made, or certain expenses incurred, by either of them.

               The Agreement permits,  with certain exceptions therein provided,
the  amendment  of  the  Agreement  and  the  modification  of  the  rights  and
obligations of the Company,  the Master  Servicer and the Trustee and the rights
of the  Certificateholders  under the Agreement at any time by the Company,  the
Master  Servicer and the Trustee with the consent of the Holders of Certificates
evidencing  in the aggregate  not less than 66% of the  Percentage  Interests of
each Class of Certificates  affected thereby.  Any such consent by the Holder of
this  Certificate  shall be  conclusive  and binding on such Holder and 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 notation
of such consent is made upon the  Certificate.  The  Agreement  also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain  additional  circumstances,  without the
consent of the Holders of certain Classes of Certificates.

               As provided in the Agreement  and subject to certain  limitations
therein  set forth,  the  transfer of this  Certificate  is  registrable  in the
Certificate  Register upon surrender of this  Certificate  for  registration  of
transfer  at the offices or  agencies  appointed  by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form
below or other  written  instrument  of  transfer  in form  satisfactory  to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's  attorney  duly  authorized  in writing,  and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.

               The  Certificates  are issuable only as  registered  Certificates
without coupons in Classes and in denominations  specified in the Agreement.  As
provided in the Agreement and subject to certain  limitations therein set forth,
Certificates are  exchangeable for new Certificates of authorized  denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.

               No  service  charge  will be made  for any such  registration  of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.

               The Company, the Master Servicer, the Trustee and the Certificate
Registrar and any agent of the Company, the Master Servicer,  the Trustee or the
Certificate  Registrar  may treat the Person in whose name this  Certificate  is
registered  as the owner hereof for all purposes,  and neither the Company,  the
Master  Servicer,  the Trustee nor any such agent shall be affected by notice to
the contrary.
<PAGE>

               This Certificate shall be governed by and construed in accordance
with the laws of the State of New York.

               The  obligations  created  by the  Agreement  in  respect  of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to  Certificateholders  of all  amounts  held by or on behalf of the Trustee and
required to be paid to them pursuant to the  Agreement  following the earlier of
(i) the maturity or other  liquidation of the last Mortgage Loan subject thereto
or the disposition of all property  acquired upon foreclosure or deed in lieu of
foreclosure  of any Mortgage  Loan and (ii) the purchase by the Master  Servicer
from the Trust Fund of all remaining Mortgage Loans and all property acquired in
respect of such  Mortgage  Loans,  thereby  effecting  early  retirement  of the
Certificates.  The Agreement permits,  but does not require, the Master Servicer
to (i) purchase at a price determined as provided in the Agreement all remaining
Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii)
purchase in whole,  but not in part,  all of the  Certificates  from the Holders
thereof; provided, that any such option may only be exercised if the Pool Stated
Principal  Balance of the Mortgage Loans as of the Distribution  Date upon which
the proceeds of any such  purchase are  distributed  is less than ten percent of
the Cut-off Date Principal Balance of the Mortgage Loans.

               Reference  is  hereby  made  to the  further  provisions  of this
Certificate set forth on the reverse hereof,  which further provisions shall for
all purposes have the same effect as if set forth at this place.

               Unless the certificate of authentication hereon has been executed
by the Certificate Registrar, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.

<PAGE>

               IN WITNESS WHEREOF, the Trustee has caused this Certificate to be
duly executed.

Dated:                                      [_________________________],
                                   as Trustee

                                            By:
                                               -------------------------------
                                                 Authorized Signatory

                          CERTIFICATE OF AUTHENTICATION

               This  is one of the  Class  A-  Certificates  referred  to in the
within-mentioned Agreement.

                                            [---------------------------],
                                                 as Certificate Registrar

                                            By:
                                               ------------------------------
                                                 Authorized Signatory

<PAGE>

                                   ASSIGNMENT

     FOR  VALUE  RECEIVED,   the  undersigned  hereby  sell(s),   assign(s)  and
transfer(s) unto  _____________________________  (Please print or typewrite name
and  address  including  postal  zip code of  assignee)  a  Percentage  Interest
evidenced  by the within  Mortgage  Asset-Backed  Pass-Through  Certificate  and
hereby  authorizes the transfer of  registration of such interest to assignee on
the Certificate Register of the Trust Fund.

               I (We) further  direct the  Certificate  Registrar to issue a new
Certificate of a like  denomination  and Class,  to the above named assignee and
deliver such Certificate to the following address:

________________________________________________________________________________

                                         _____________________________________
Dated:                                   Signature by or on behalf of assignor

                                         ______________________________________
                                                 Signature Guaranteed

                            DISTRIBUTION INSTRUCTIONS

               The  assignee  should  include  the  following  for  purposes  of
distribution:

     Distributions shall be made, by wire transfer or otherwise,  in immediately
available   funds  to   ______________________________   for  the   account   of
_______________________________  account  number  _____________________,  or, if
mailed by check, to ____________________________________.  Applicable statements
should be mailed to ____________________________________.

     This information is provided by _______________________, the assignee named
above, or ___________________, as its agent.

<PAGE>

                                    EXHIBIT B

                           FORM OF CLASS M CERTIFICATE

        THIS  CERTIFICATE  IS  SUBORDINATED  IN RIGHT OF  PAYMENT  TO THE SENIOR
CERTIFICATES  [CLASS M-1 CERTIFICATES] [AND CLASS M-2 CERTIFICATES] AS DESCRIBED
IN THE AGREEMENT (AS DEFINED BELOW).

        SOLELY FOR U.S.  FEDERAL  INCOME TAX  PURPOSES,  THIS  CERTIFICATE  IS A
"REGULAR  INTEREST" IN A "REAL  ESTATE  MORTGAGE  INVESTMENT  CONDUIT," AS THOSE
TERMS ARE  DEFINED,  RESPECTIVELY,  IN  SECTIONS  860G AND 860D OF THE  INTERNAL
REVENUE CODE OF 1986 (THE "CODE").

        UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED  REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION  ("DTC"),  TO 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  FOLLOWING  INFORMATION  IS  PROVIDED  SOLELY  FOR THE  PURPOSES  OF
APPLYING THE U.S.  FEDERAL INCOME TAX ORIGINAL  ISSUE DISCOUNT  ("OID") RULES TO
THIS  CERTIFICATE.  THE ISSUE DATE OF THIS  CERTIFICATE IS ___________ __, ____.
ASSUMING  THAT THE  MORTGAGE  LOANS  PREPAY AT [___]%  OF THE  PREPAYMENT  SPEED
ASSUMPTION (AS DESCRIBED IN THE PROSPECTUS  SUPPLEMENT),  THIS  CERTIFICATE  HAS
BEEN ISSUED WITH NO MORE THAN $[____] OF OID PER $[1,000] OF INITIAL CERTIFICATE
PRINCIPAL  BALANCE,  THE YIELD TO  MATURITY  IS  [_____]%  AND THE AMOUNT OF OID
ATTRIBUTABLE  TO THE INITIAL ACCRUAL PERIOD IS NO MORE THAN $[____] PER $[1,000]
OF INITIAL CERTIFICATE PRINCIPAL BALANCE, COMPUTED UNDER THE APPROXIMATE METHOD.
NO REPRESENTATION IS MADE THAT THE MORTGAGE LOANS WILL PREPAY AT A RATE BASED ON
THE PREPAYMENT SPEED ASSUMPTION OR AT ANY OTHER RATE.

        Any Transferee of this Certificate will be deemed to have represented by
virtue of its purchase or holding of this  Certificate (or interest herein) that
EITHER (a) such Transferee is not an investment  manager, a named fiduciary or a
trustee of any Plan) acting, directly or indirectly,  on behalf of or purchasing
any Certificate with "plan assets" of any Plan (a "plan  investor"),  (B) it has
acquired and is holding such  Certificate in reliance on Prohibited  Transaction
Exemption  ("PTE") 94-29, 59 Fed. Reg. 14674 (March 29, 1994), as amended by PTE

<PAGE>

97-34, 62 Fed. Reg. 39021 (July 21, 1997),  and PTE 2000-58,  65 Fed. Reg. 67765
(November 13, 2000) (the "RFC  Exemption"),  and that it understands  that there
are certain  conditions to the availability of the RFC Exemption  including that
such Certificate  must be rated, at the time of purchase,  not lower than "BBB-"
(or its  equivalent)  by  Standard  & Poor's,  Fitch or  Moody's  or (C) (I) the
transferee is an insurance company, (II) the source of funds to be used by it to
purchase the Certificate is an "insurance  company general  account" (within the
meaning of 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 HEREIN) 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 RFC 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  herein) was effected in violation of the  restrictions
in Section  5.02(e) of the Pooling and Servicing  Agreement  shall indemnify and
hold harmless the Company,  the Trustee,  the Master Servicer,  any Subservicer,
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.
<PAGE>

Certificate No.                                   [      ]% Pass-Through Rate

Class M-    Subordinate                           Aggregate Certificate
                                                  Principal Balance
Date of Pooling and Servicing                     of the Class M Certificates:
Agreement and Cut-off Date:                       $
___________ 1, ____
                                                  Initial Certificate Principal
First Distribution Date:                          Balance of this Certificate:
_________ 25, ____                                $

Master Servicer:                                  CUSIP: 76110F-
Residential Funding Corporation

Assumed Final Distribution Date:
___________ 25, ____

                              MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE,
                                 SERIES ____-___

        evidencing a percentage  interest in any distributions  allocable to the
        Class  M-  Certificates  with  respect  to  the  Trust  Fund  consisting
        primarily of a pool of conventional  one- to four-family  fixed interest
        rate first mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS,
        INC.

     This  Certificate  is payable solely from the assets of the Trust Fund, and
does not represent an obligation of or interest in Residential  Accredit  Loans,
Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group,
Inc. or any of their  affiliates.  Neither this  Certificate  nor the underlying
Mortgage  Loans  are  guaranteed  or  insured  by  any  governmental  agency  or
instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the
Trustee or GMAC Mortgage  Group,  Inc. or any of their  affiliates.  None of the
Company,  the  Master  Servicer,  GMAC  Mortgage  Group,  Inc.  or any of  their
affiliates  will have any  obligation  with respect to any  certificate or other
obligation secured by or payable from payments on the Certificates.

     This  certifies  that  ________________  is  the  registered  owner  of the
Percentage  Interest  evidenced  by this  Certificate  (obtained by dividing the
Certificate  Principal Balance of this Certificate by the aggregate  Certificate
Principal  Balance of all Class M-  Certificates,  both as  specified  above) in
certain  distributions  with respect to a Trust Fund  consisting  primarily of a
pool of  conventional  one- to  four-family  fixed  interest rate first mortgage
loans (the "Mortgage  Loans"),  formed and sold by Residential  Accredit  Loans,
Inc. (hereinafter called the "Company," which term includes any successor entity
under the Agreement referred to below). The Trust Fund was created pursuant to a
Pooling and Servicing Agreement dated as specified above (the "Agreement") among
the  Company,  the Master  Servicer  and  __________________,  as  trustee  (the
"Trustee"),  a summary of certain of the  pertinent  provisions  of which is set
forth hereafter.  To the extent not defined herein,  the capitalized  terms used
herein have the meanings  assigned in the Agreement.  This Certificate is issued
under and is subject to the terms,  provisions  and conditions of the Agreement,
to which  Agreement the Holder of this  Certificate  by virtue of the acceptance
hereof assents and by which such Holder is bound.
<PAGE>

               Pursuant to the terms of the Agreement,  a  distribution  will be
made on the 25th day of each month or, if such 25th day is not a  Business  Day,
the Business Day immediately following (the "Distribution Date"),  commencing as
described  in the  Agreement,  to the Person in whose name this  Certificate  is
registered  at the close of business on the last day (or if such last day is not
a Business  Day, the Business Day  immediately  preceding  such last day) of the
month immediately  preceding the month of such distribution (the "Record Date"),
from the Available  Distribution Amount in an amount equal to the product of the
Percentage  Interest  evidenced by this  Certificate and the amount (of interest
and  principal,  if any)  required  to be  distributed  to  Holders  of Class M-
Certificates on such Distribution Date.

               Distributions  on this  Certificate  will be made  either  by the
Master  Servicer  acting on behalf of the Trustee or by a Paying Agent appointed
by the Trustee in  immediately  available  funds (by wire transfer or otherwise)
for the  account of the Person  entitled  thereto if such  Person  shall have so
notified  the Master  Servicer or such Paying  Agent,  or by check mailed to the
address of the Person entitled thereto, as such name and address shall appear on
the Certificate Register.

               Notwithstanding   the  above,  the  final  distribution  on  this
Certificate  will be made after due notice of the pendency of such  distribution
and only upon  presentation  and surrender of this  Certificate at the office or
agency  appointed  by the Trustee for that  purpose in the City and State of New
York. The Initial Certificate Principal Balance of this Certificate is set forth
above. The Certificate Principal Balance hereof will be reduced to the extent of
the  distributions  allocable to principal  and any  Realized  Losses  allocable
hereto.

               As described  above, no transfer of this Class M Certificate will
be made unless (i) the Trustee  has  received  either an opinion of counsel or a
representation  letter,  each as  described  in the  Agreement,  relating to the
permissibility  of such  transfer  under ERISA and Section 4975 of the Code,  or
(ii) this Certificate is held by a Depository, in which case the Transferee will
be deemed to have made  representations  relating to the  permissibility of such
transfer  under  ERISA and Section  4975 of the Code,  as  described  in Section
5.02(e) of the Agreement.  In addition,  any purported  Certificate  Owner whose
acquisition or holding of this  Certificate (or interest herein) was effected in
violation  of  the  restrictions  in  Section  5.02(e)  of the  Agreement  shall
indemnify and hold harmless the Company, the Trustee,  the Master Servicer,  any
Subservicer,  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.

               This   Certificate  is  one  of  a  duly   authorized   issue  of
Certificates  issued in several  Classes  designated  as  Mortgage  Asset-Backed
Pass-Through  Certificates of the Series specified  hereon (herein  collectively
called the "Certificates").

               The  Certificates  are  limited  in right of  payment  to certain
collections  and  recoveries   respecting  the  Mortgage  Loans,   all  as  more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds  are  advanced  with  respect  to  any  Mortgage  Loan,  such  advance  is
reimbursable  to the Master  Servicer,  to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.
<PAGE>

               As  provided in the  Agreement,  withdrawals  from the  Custodial
Account   and/or  the   Certificate   Account   created   for  the   benefit  of
Certificateholders  may be made by the  Master  Servicer  from  time to time for
purposes other than distributions to Certificateholders, such purposes including
without  limitation  reimbursement  to the  Company  and the Master  Servicer of
advances made, or certain expenses incurred, by either of them.

               The Agreement permits,  with certain exceptions therein provided,
the  amendment  of  the  Agreement  and  the  modification  of  the  rights  and
obligations of the Company,  the Master  Servicer and the Trustee and the rights
of the  Certificateholders  under the Agreement at any time by the Company,  the
Master  Servicer and the Trustee with the consent of the Holders of Certificates
evidencing  in the aggregate  not less than 66% of the  Percentage  Interests of
each Class of Certificates  affected thereby.  Any such consent by the Holder of
this  Certificate  shall be  conclusive  and binding on such Holder and 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 notation
of such consent is made upon the  Certificate.  The  Agreement  also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain  additional  circumstances,  without the
consent of the Holders of certain Classes of Certificates.

               As provided in the Agreement  and subject to certain  limitations
therein  set forth,  the  transfer of this  Certificate  is  registrable  in the
Certificate  Register upon surrender of this  Certificate  for  registration  of
transfer  at the offices or  agencies  appointed  by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form
below or other  written  instrument  of  transfer  in form  satisfactory  to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's  attorney  duly  authorized  in writing,  and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.

               The  Certificates  are issuable only as  registered  Certificates
without coupons in Classes and in denominations  specified in the Agreement.  As
provided in the Agreement and subject to certain  limitations therein set forth,
Certificates are  exchangeable for new Certificates of authorized  denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.

               No  service  charge  will be made  for any such  registration  of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.

               The Company, the Master Servicer, the Trustee and the Certificate
Registrar and any agent of the Company, the Master Servicer,  the Trustee or the
Certificate  Registrar  may treat the Person in whose name this  Certificate  is
registered  as the owner hereof for all purposes,  and neither the Company,  the
Master  Servicer,  the Trustee nor any such agent shall be affected by notice to
the contrary.
<PAGE>

               This Certificate shall be governed by and construed in accordance
with the laws of the State of New York.

               The  obligations  created  by the  Agreement  in  respect  of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to  Certificateholders  of all  amounts  held by or on behalf of the Trustee and
required to be paid to them pursuant to the  Agreement  following the earlier of
(i) the maturity or other  liquidation of the last Mortgage Loan subject thereto
or the disposition of all property  acquired upon foreclosure or deed in lieu of
foreclosure  of any Mortgage  Loan and (ii) the purchase by the Master  Servicer
from the Trust Fund of all remaining Mortgage Loans and all property acquired in
respect of such  Mortgage  Loans,  thereby  effecting  early  retirement  of the
Certificates.  The Agreement permits,  but does not require, the Master Servicer
to (i) purchase at a price determined as provided in the Agreement all remaining
Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii)
purchase in whole,  but not in part,  all of the  Certificates  from the Holders
thereof; provided, that any such option may only be exercised if the Pool Stated
Principal  Balance of the Mortgage Loans as of the Distribution  Date upon which
the proceeds of any such  purchase are  distributed  is less than ten percent of
the Cut-off Date Principal Balance of the Mortgage Loans.

               Unless the certificate of authentication hereon has been executed
by the Certificate Registrar, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.

<PAGE>

               IN WITNESS WHEREOF, the Trustee has caused this Certificate to be
duly executed.

Dated:                                      [____________________________],
                                            as Trustee

                                            By:
                                               -------------------------------
                                                 Authorized Signatory

                          CERTIFICATE OF AUTHENTICATION

               This  is one of the  Class  M-  Certificates  referred  to in the
within-mentioned Agreement.

                                            [-------------------------],
                                                  as Certificate Registrar

                                            By:
                                               --------------------------------
                                                 Authorized Signatory

<PAGE>

                                   ASSIGNMENT

     FOR  VALUE  RECEIVED,   the  undersigned  hereby  sell(s),   assign(s)  and
transfer(s) unto  _____________________________  (Please print or typewrite name
and  address  including  postal  zip code of  assignee)  a  Percentage  Interest
evidenced  by the within  Mortgage  Asset-Backed  Pass-Through  Certificate  and
hereby  authorizes the transfer of  registration of such interest to assignee on
the Certificate Register of the Trust Fund.

               I (We) further  direct the  Certificate  Registrar to issue a new
Certificate of a like  denomination  and Class,  to the above named assignee and
deliver such Certificate to the following address:

________________________________________________________________________________

                                         _____________________________________
Dated:                                   Signature by or on behalf of assignor

                                         ______________________________________
                                                 Signature Guaranteed

                            DISTRIBUTION INSTRUCTIONS

               The  assignee  should  include  the  following  for  purposes  of
distribution:

     Distributions shall be made, by wire transfer or otherwise,  in immediately
available   funds  to   ______________________________   for  the   account   of
_______________________________  account  number  _____________________,  or, if
mailed by check, to ____________________________________.  Applicable statements
should be mailed to ____________________________________.

     This information is provided by _______________________, the assignee named
above, or ___________________, as its agent.

<PAGE>

                                    EXHIBIT C

                           FORM OF CLASS B CERTIFICATE

THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE SENIOR  CERTIFICATES
AND CLASS M CERTIFICATES [AND CLASS B-1] [CLASS B-2  CERTIFICATES]  DESCRIBED IN
THE AGREEMENT (AS DEFINED HEREIN).

THIS  CERTIFICATE  HAS NOT BEEN AND WILL NOT BE REGISTERED  UNDER THE SECURITIES
ACT OF 1933,  AS  AMENDED,  OR THE  SECURITIES  LAWS OF ANY STATE AND MAY NOT BE
RESOLD OR TRANSFERRED  UNLESS IT IS REGISTERED  PURSUANT TO SUCH ACT AND LAWS OR
IS SOLD OR TRANSFERRED IN TRANSACTIONS  WHICH ARE EXEMPT FROM REGISTRATION UNDER
SUCH ACT AND UNDER  APPLICABLE  STATE LAW AND IS TRANSFERRED IN ACCORDANCE  WITH
THE PROVISIONS OF SECTION 5.02 OF THE AGREEMENT.

NO TRANSFER OF THIS CERTIFICATE MAY BE MADE TO ANY PERSON, UNLESS THE TRANSFEREE
PROVIDES EITHER A CERTIFICATION  PURSUANT TO SECTION 5.02(e) OF THE AGREEMENT OR
AN OPINION OF COUNSEL  SATISFACTORY TO THE MASTER SERVICER,  THE COMPANY AND THE
TRUSTEE THAT THE PURCHASE OF THIS CERTIFICATE WILL NOT CONSTITUTE OR RESULT IN A
NON-EXEMPT  PROHIBITED  TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT
INCOME SECURITY ACT OF 1974, AS AMENDED  ("ERISA"),  OR SECTION 4975 OF THE CODE
AND WILL NOT  SUBJECT  THE MASTER  SERVICER,  THE  COMPANY OR THE TRUSTEE TO ANY
OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT.

SOLELY FOR U.S.  FEDERAL  INCOME TAX PURPOSES,  THIS  CERTIFICATE  IS A "REGULAR
INTEREST" IN A "REAL  ESTATE  MORTGAGE  INVESTMENT  CONDUIT," AS THOSE TERMS ARE
DEFINED,  RESPECTIVELY,  IN SECTIONS  860G AND 860D OF THE CODE.  THE  FOLLOWING
INFORMATION  IS PROVIDED  SOLELY FOR THE PURPOSES OF APPLYING  THE U.S.  FEDERAL
INCOME TAX ORIGINAL ISSUE DISCOUNT ("OID") RULES TO THIS CERTIFICATE.  THE ISSUE
DATE OF THIS  CERTIFICATE  IS ___________  __, ____.  ASSUMING THAT THE MORTGAGE
LOANS PREPAY AT 100% OF THE  PREPAYMENT  SPEED  ASSUMPTION  (AS DESCRIBED IN THE
PROSPECTUS SUPPLEMENT),  THIS CERTIFICATE HAS BEEN ISSUED WITH NO MORE THAN $[ ]
OF OID PER  $[1,000]  OF INITIAL  CERTIFICATE  PRINCIPAL  BALANCE,  THE YIELD TO
MATURITY  IS [ ]% AND THE  AMOUNT OF OID  ATTRIBUTABLE  TO THE  INITIAL  ACCRUAL
PERIOD  IS NO MORE  THAN $[ ] PER  $[1,000]  OF  INITIAL  CERTIFICATE  PRINCIPAL
BALANCE,  COMPUTED UNDER THE APPROXIMATE  METHOD. NO REPRESENTATION IS MADE THAT
THE  MORTGAGE  LOANS  WILL  PREPAY  AT A  RATE  BASED  ON THE  PREPAYMENT  SPEED
ASSUMPTION OR AT ANY OTHER RATE.
<PAGE>

Certificate No.                                   [      ]% Pass-Through Rate

Class B-     Subordinate                          Aggregate Certificate
                                                  Principal Balance
Date of Pooling and Servicing                     of the Class B-
Agreement and Cut-off Date:                       Certificates as of
___________ 1, ____                               the Cut-off Date:
                                                  $
First Distribution Date:
_________ 25, ____                                Initial Certificate Principal
                                                  Balance of this Certificate:
Master Servicer:                                  $
Residential Funding Corporation

Assumed Final Distribution Date:
___________ 25, ____

                              MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE,
                                 SERIES ____-___

       evidencing a percentage  interest in any  distributions  allocable to the
       Class B- Certificates with respect to the Trust Fund consisting primarily
       of a pool of conventional  one- to four-family  fixed interest rate first
       mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS, INC.

     This  Certificate  is payable solely from the assets of the Trust Fund, and
does not represent an obligation of or interest in Residential  Accredit  Loans,
Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group,
Inc. or any of their  affiliates.  Neither this  Certificate  nor the underlying
Mortgage  Loans  are  guaranteed  or  insured  by  any  governmental  agency  or
instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the
Trustee or GMAC Mortgage  Group,  Inc. or any of their  affiliates.  None of the
Company,  the  Master  Servicer,  GMAC  Mortgage  Group,  Inc.  or any of  their
affiliates  will have any  obligation  with respect to any  certificate or other
obligation secured by or payable from payments on the Certificates.

               This  certifies  that  Residential  Accredit  Loans,  Inc. is the
registered  owner  of the  Percentage  Interest  evidenced  by this  Certificate
(obtained by dividing the Certificate  Principal  Balance of this Certificate by
the aggregate Certificate  Principal Balance of all Class B- Certificates,  both
as  specified  above) in  certain  distributions  with  respect  to a Trust Fund
consisting  primarily  of a pool  of  conventional  one-  to  four-family  fixed
interest rate first mortgage loans (the  "Mortgage  Loans"),  formed and sold by
Residential  Accredit Loans, Inc.  (hereinafter called the "Company," which term
includes any successor entity under the Agreement  referred to below). The Trust
Fund  was  created  pursuant  to a  Pooling  and  Servicing  Agreement  dated as
specified  above (the  "Agreement")  among the Company,  the Master Servicer and
__________________,  as  trustee  (the  "Trustee"),  a summary of certain of the
pertinent provisions of which is set forth hereafter.  To the extent not defined
herein,  the  capitalized  terms used herein have the  meanings  assigned in the
Agreement.  This  Certificate  is issued  under  and is  subject  to the  terms,
provisions  and conditions of the  Agreement,  to which  Agreement the Holder of
this  Certificate by virtue of the  acceptance  hereof assents and by which such
Holder is bound.

<PAGE>

               Pursuant to the terms of the Agreement,  a  distribution  will be
made on the 25th day of each month or, if such 25th day is not a  Business  Day,
the Business Day immediately following (the "Distribution Date"),  commencing on
the first  Distribution  Date specified  above, to the Person in whose name this
Certificate  is  registered at the close of business on the last day (or if such
last day is not a Business Day, the Business Day immediately preceding such last
day) of the month next  preceding  the month of such  distribution  (the "Record
Date"), from the Available Distribution Amount in an amount equal to the product
of the  Percentage  Interest  evidenced by this  Certificate  and the amount (of
interest and principal, if any) required to be distributed to Holders of Class B
Certificates on such Distribution Date.

               Distributions  on this  Certificate  will be made  either  by the
Master  Servicer  acting on behalf of the Trustee or by a Paying Agent appointed
by the Trustee in  immediately  available  funds (by wire transfer or otherwise)
for the  account of the Person  entitled  thereto if such  Person  shall have so
notified  the Master  Servicer or such Paying  Agent,  or by check mailed to the
address of the Person entitled thereto, as such name and address shall appear on
the Certificate Register.

               Notwithstanding   the  above,  the  final  distribution  on  this
Certificate  will be made after due notice of the pendency of such  distribution
and only upon  presentation  and surrender of this  Certificate at the office or
agency  appointed  by the Trustee for that  purpose in the City and State of New
York. The Initial Certificate Principal Balance of this Certificate is set forth
above. The Certificate Principal Balance hereof will be reduced to the extent of
the  distributions  allocable to principal  and any  Realized  Losses  allocable
hereto.

               No transfer of this Class B Certificate  will be made unless such
transfer is exempt from the  registration  requirements of the Securities Act of
1933,  as  amended,  and  any  applicable  state  securities  laws or is made in
accordance  with said Act and laws.  In the event that such a transfer  is to be
made,  (i) the  Trustee  or the  Company  may  require  an  opinion  of  counsel
acceptable  to and in form and  substance  satisfactory  to the  Trustee and the
Company that such transfer is exempt  (describing  the applicable  exemption and
the  basis  therefor)  from  or is  being  made  pursuant  to  the  registration
requirements  of the Securities  Act of 1933, as amended,  and of any applicable
statute of any state and (ii) the transferee shall execute an investment  letter
in the form  described by the  Agreement.  The Holder hereof  desiring to effect
such  transfer  shall,  and does hereby agree to,  indemnify  the  Trustee,  the
Company,  the Master Servicer and the Certificate  Registrar acting on behalf of
the Trustee  against  any  liability  that may result if the  transfer is not so
exempt  or is not made in  accordance  with such  Federal  and  state  laws.  In
connection  with any such transfer,  the Trustee will also require either (i) an
opinion of counsel  acceptable to and in form and substance  satisfactory to the
Trustee,  the Company and the Master Servicer with respect to the permissibility
of such transfer under the Employee  Retirement  Income Security Act of 1974, as
amended  ("ERISA"),  and Section 4975 of the Internal  Revenue Code (the "Code")
and stating, among other things, that the transferee's  acquisition of a Class B
Certificate will not constitute or result in a non-exempt prohibited transaction
under Section 406 of ERISA or Section 4975 of the Code or (ii) a  representation
letter,  in the form as described by Section  5.02(e) of the  Agreement,  either

<PAGE>

stating that the transferee is not an employee  benefit or other plan subject to
the  prohibited  transaction  provisions of ERISA or Section 4975 of the Code (a
"Plan"), or any other person (including an investment manager, a named fiduciary
or a trustee  of any  Plan)  acting,  directly  or  indirectly,  on behalf of or
purchasing any  Certificate  with "plan assets" of any Plan, or stating that the
transferee  is an  insurance  company,  the  source of funds to be used by it to
purchase the Certificate is an "insurance  company general  account" (within the
meaning of Department of Labor Prohibited  Transaction Class Exemption  ("PTCE")
95-60),  and the purchase is being made in reliance upon the availability of the
exemptive relief afforded under Sections I and III of PTCE 95-60.

               This   Certificate  is  one  of  a  duly   authorized   issue  of
Certificates  issued in several  Classes  designated  as  Mortgage  Asset-Backed
Pass-Through  Certificates of the Series specified  hereon (herein  collectively
called the "Certificates").

               The  Certificates  are  limited  in right of  payment  to certain
collections  and  recoveries   respecting  the  Mortgage  Loans,   all  as  more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds  are  advanced  with  respect  to  any  Mortgage  Loan,  such  advance  is
reimbursable  to the Master  Servicer,  to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.

               As  provided in the  Agreement,  withdrawals  from the  Custodial
Account   and/or  the   Certificate   Account   created   for  the   benefit  of
Certificateholders  may be made by the  Master  Servicer  from  time to time for
purposes other than distributions to Certificateholders, such purposes including
without  limitation  reimbursement  to the  Company  and the Master  Servicer of
advances made, or certain expenses incurred, by either of them.

               The Agreement permits,  with certain exceptions therein provided,
the  amendment  of  the  Agreement  and  the  modification  of  the  rights  and
obligations of the Company,  the Master  Servicer and the Trustee and the rights
of the  Certificateholders  under the Agreement at any time by the Company,  the
Master  Servicer and the Trustee with the consent of the Holders of Certificates
evidencing  in the aggregate  not less than 66% of the  Percentage  Interests of
each Class of Certificates  affected thereby.  Any such consent by the Holder of
this  Certificate  shall be  conclusive  and binding on such Holder and 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 notation
of such consent is made upon the  Certificate.  The  Agreement  also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain  additional  circumstances,  without the
consent of the Holders of certain Classes of Certificates.

               As provided in the Agreement  and subject to certain  limitations
therein  set forth,  the  transfer of this  Certificate  is  registrable  in the
Certificate  Register upon surrender of this  Certificate  for  registration  of
transfer  at the offices or  agencies  appointed  by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form
below or other  written  instrument  of  transfer  in form  satisfactory  to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's  attorney  duly  authorized  in writing,  and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.
<PAGE>

               The  Certificates  are issuable only as  registered  Certificates
without coupons in Classes and in denominations  specified in the Agreement.  As
provided in the Agreement and subject to certain  limitations therein set forth,
Certificates are  exchangeable for new Certificates of authorized  denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.

               No  service  charge  will be made  for any such  registration  of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.

               The Company, the Master Servicer, the Trustee and the Certificate
Registrar and any agent of the Company, the Master Servicer,  the Trustee or the
Certificate  Registrar  may treat the Person in whose name this  Certificate  is
registered  as the owner hereof for all purposes,  and neither the Company,  the
Master  Servicer,  the Trustee nor any such agent shall be affected by notice to
the contrary.

               This Certificate shall be governed by and construed in accordance
with the laws of the State of New York.

               The  obligations  created  by the  Agreement  in  respect  of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to  Certificateholders  of all  amounts  held by or on behalf of the Trustee and
required to be paid to them pursuant to the  Agreement  following the earlier of
(i) the maturity or other  liquidation of the last Mortgage Loan subject thereto
or the disposition of all property  acquired upon foreclosure or deed in lieu of
foreclosure  of any Mortgage  Loan and (ii) the purchase by the Master  Servicer
from the Trust Fund of all remaining Mortgage Loans and all property acquired in
respect of such  Mortgage  Loans,  thereby  effecting  early  retirement  of the
Certificates.  The Agreement permits,  but does not require, the Master Servicer
to (i) purchase at a price determined as provided in the Agreement all remaining
Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii)
purchase in whole,  but not in part,  all of the  Certificates  from the Holders
thereof; provided, that any such option may only be exercised if the Pool Stated
Principal  Balance of the Mortgage Loans as of the Distribution  Date upon which
the proceeds of any such  purchase are  distributed  is less than ten percent of
the Cut-off Date Principal Balance of the Mortgage Loans.

               Unless the certificate of authentication hereon has been executed
by the Certificate Registrar, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.

<PAGE>

               IN WITNESS WHEREOF, the Trustee has caused this Certificate to be
duly executed.

Dated:                                      [_____________________________],
                                   as Trustee

                                            By:
                                               ---------------------------------
                                                 Authorized Signatory

                          CERTIFICATE OF AUTHENTICATION

               This  is one of the  Class  M-  Certificates  referred  to in the
within-mentioned Agreement.

                                            [---------------------------],
                                                 as Certificate Registrar

                                            By:
                                               ---------------------------------
                                                 Authorized Signatory

<PAGE>

                                   ASSIGNMENT

     FOR  VALUE  RECEIVED,   the  undersigned  hereby  sell(s),   assign(s)  and
transfer(s) unto  _____________________________  (Please print or typewrite name
and  address  including  postal  zip code of  assignee)  a  Percentage  Interest
evidenced  by the within  Mortgage  Asset-Backed  Pass-Through  Certificate  and
hereby  authorizes the transfer of  registration of such interest to assignee on
the Certificate Register of the Trust Fund.

               I (We) further  direct the  Certificate  Registrar to issue a new
Certificate of a like  denomination  and Class,  to the above named assignee and
deliver such Certificate to the following address:

________________________________________________________________________________

                                         _____________________________________
Dated:                                   Signature by or on behalf of assignor

                                         ______________________________________
                                                 Signature Guaranteed

                            DISTRIBUTION INSTRUCTIONS

               The  assignee  should  include  the  following  for  purposes  of
distribution:

     Distributions shall be made, by wire transfer or otherwise,  in immediately
available   funds  to   ______________________________   for  the   account   of
_______________________________  account  number  _____________________,  or, if
mailed by check, to ____________________________________.  Applicable statements
should be mailed to ____________________________________.

     This information is provided by _______________________, the assignee named
above, or ___________________, as its agent.

<PAGE>

                                    EXHIBIT D

                           FORM OF CLASS R CERTIFICATE

THIS CERTIFICATE MAY NOT BE HELD BY OR TRANSFERRED TO A NON-UNITED STATES PERSON
OR A DISQUALIFIED ORGANIZATION (AS DEFINED BELOW).

SOLELY FOR U.S.  FEDERAL  INCOME TAX PURPOSES,  THIS  CERTIFICATE IS A "RESIDUAL
INTEREST"  IN A "REAL  ESTATE  MORTGAGE  INVESTMENT  CONDUIT" AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986 (THE "CODE").

NO TRANSFER OF THIS CERTIFICATE MAY BE MADE TO ANY PERSON, UNLESS THE TRANSFEREE
PROVIDES EITHER A CERTIFICATION  PURSUANT TO SECTION 5.02(e) OF THE AGREEMENT OR
AN OPINION OF COUNSEL  SATISFACTORY TO THE MASTER SERVICER,  THE COMPANY AND THE
TRUSTEE THAT THE PURCHASE OF THIS CERTIFICATE WILL NOT CONSTITUTE OR RESULT IN A
NON-EXEMPT  PROHIBITED  TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT
INCOME SECURITY ACT OF 1974, AS AMENDED  ("ERISA"),  OR SECTION 4975 OF THE CODE
AND WILL NOT  SUBJECT  THE MASTER  SERVICER,  THE  COMPANY OR THE TRUSTEE TO ANY
OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT.

ANY RESALE,  TRANSFER OR OTHER  DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY
IF THE PROPOSED  TRANSFEREE PROVIDES A TRANSFER AFFIDAVIT TO THE MASTER SERVICER
AND THE TRUSTEE THAT (1) SUCH TRANSFEREE IS NOT (A) THE UNITED STATES, ANY STATE
OR POLITICAL  SUBDIVISION  THEREOF,  ANY POSSESSION OF THE UNITED STATES, OR ANY
AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING (OTHER THAN AN INSTRUMENTALITY
WHICH IS A CORPORATION  IF ALL OF ITS  ACTIVITIES  ARE SUBJECT TO TAX AND EXCEPT
FOR FREDDIE  MAC, A MAJORITY OF ITS BOARD OF  DIRECTORS  IS NOT SELECTED BY SUCH
GOVERNMENTAL UNIT), (B) A FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR
ANY AGENCY OR INSTRUMENTALITY  OF EITHER OF THE FOREGOING,  (C) ANY ORGANIZATION
(OTHER THAN CERTAIN FARMERS' COOPERATIVES  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 (INCLUDING
THE TAX  IMPOSED  BY  SECTION  511 OF THE  CODE ON  UNRELATED  BUSINESS  TAXABLE
INCOME),  (D) RURAL  ELECTRIC AND  TELEPHONE  COOPERATIVES  DESCRIBED IN SECTION
1381(a)(2)(C)  OF THE CODE,  (E) AN ELECTING  LARGE  PARTNERSHIP  UNDER  SECTION
775(a) OF THE CODE (ANY SUCH PERSON DESCRIBED IN THE FOREGOING CLAUSES (A), (B),
(C), (D) OR (E) BEING HEREIN REFERRED TO AS A "DISQUALIFIED  ORGANIZATION"),  OR
(F) AN AGENT OF A DISQUALIFIED ORGANIZATION,  (2) NO PURPOSE OF SUCH TRANSFER IS
TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX AND (3) SUCH TRANSFEREE  SATISFIES
CERTAIN  ADDITIONAL  CONDITIONS  RELATING  TO  THE  FINANCIAL  CONDITION  OF THE
PROPOSED  TRANSFEREE.   NOTWITHSTANDING  THE  REGISTRATION  IN  THE  CERTIFICATE
REGISTER OR ANY TRANSFER,  SALE OR OTHER  DISPOSITION  OF THIS  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 THIS  CERTIFICATE BY ACCEPTANCE OF THIS CERTIFICATE
SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF THIS PARAGRAPH.
<PAGE>

Certificate No.                                   [      ]% Pass-Through Rate

Class R Senior                                    Aggregate Initial Certificate
                                                  Principal Balance of the
Date of Pooling and Servicing                     Class R Certificates:
Agreement and Cut-off Date:                       $100.00
___________ 1, ____
                                                  Initial Certificate Principal
First Distribution Date:                          Balance of this Certificate:
_________ 25, ____                                $

Master Servicer:                                  Percentage Interest:
Residential Funding Corporation                                 %
                                                  --------------

Assumed Final Distribution Date:                  CUSIP 76110F-
___________ 25, ____

                              MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE,
                                 SERIES ____-___

        evidencing a percentage  interest in any distributions  allocable to the
        Class R Certificates with respect to the Trust Fund consisting primarily
        of a pool of conventional  one- to four-family fixed interest rate first
        mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS, INC.

     This  Certificate  is payable solely from the assets of the Trust Fund, and
does not represent an obligation of or interest in Residential  Accredit  Loans,
Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group,
Inc. or any of their  affiliates.  Neither this  Certificate  nor the underlying
Mortgage  Loans  are  guaranteed  or  insured  by  any  governmental  agency  or
instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the
Trustee or GMAC Mortgage  Group,  Inc. or any of their  affiliates.  None of the
Company,  the  Master  Servicer,  GMAC  Mortgage  Group,  Inc.  or any of  their
affiliates  will have any  obligation  with respect to any  certificate or other
obligation secured by or payable from payments on the Certificates.

               This  certifies  that is the  registered  owner of the Percentage
Interest  evidenced  by this  Certificate  (obtained  by  dividing  the  Initial
Certificate  Principal  Balance of this  Certificate  by the  aggregate  Initial
Certificate  Principal  Balance of all Class R  Certificates,  both as specified
above) in  certain  distributions  with  respect  to the Trust  Fund  consisting
primarily of a pool of  conventional  one- to  four-family  fixed  interest rate
first  mortgage  loans (the  "Mortgage  Loans"),  formed and sold by Residential
Accredit Loans, Inc.  (hereinafter called the "Company," which term includes any
successor  entity  under the  Agreement  referred to below).  The Trust Fund was
created  pursuant to a Pooling and Servicing  Agreement dated as specified above
(the "Agreement") among the Company, the Master Servicer and __________________,
as trustee (the "Trustee"),  a summary of certain of the pertinent provisions of
which is set forth hereafter.  To the extent not defined herein, the capitalized
terms used herein have the meanings assigned in the Agreement.  This Certificate
is issued under and is subject to the terms,  provisions  and  conditions of the
Agreement,  to which  Agreement the Holder of this  Certificate by virtue of the
acceptance hereof assents and by which such Holder is bound.

               Pursuant to the terms of the Agreement,  a  distribution  will be
made on the 25th day of each month or, if such 25th day is not a  Business  Day,
the Business Day immediately following (the "Distribution Date"),  commencing as
described  in the  Agreement,  to the Person in whose name this  Certificate  is
registered  at the close of business on the last day (or if such last day is not
a Business  Day, the Business Day  immediately  preceding  such last day) of the
month immediately  preceding the month of such distribution (the "Record Date"),
from the Available  Distribution Amount in an amount equal to the product of the
Percentage  Interest  evidenced by this  Certificate and the amount (of interest
and  principal,  if any)  required  to be  distributed  to  Holders  of  Class R
Certificates on such Distribution Date.

               Each Holder of this  Certificate will be deemed to have agreed to
be bound by the  restrictions  set forth in the Agreement to the effect that (i)
each person holding or acquiring any Ownership Interest in this Certificate must
be a United States Person and a Permitted  Transferee,  (ii) the transfer of any
Ownership  Interest in this Certificate will be conditioned upon the delivery to
the Trustee of,  among other  things,  an  affidavit  to the effect that it is a
United States Person and Permitted Transferee,  (iii) any attempted or purported
transfer of any  Ownership  Interest in this  Certificate  in  violation of such
restrictions  will be  absolutely  null and void and will  vest no rights in the
purported  transferee,  and (iv) if any person other than a United States Person
and a Permitted  Transferee  acquires any Ownership Interest in this Certificate
in violation of such restrictions,  then the Company will have the right, in its
sole  discretion and without notice to the Holder of this  Certificate,  to sell
this Certificate to a purchaser selected by the Company,  which purchaser may be
the Company,  or any affiliate of the Company,  on such terms and  conditions as
the Company may choose.

               Notwithstanding   the  above,  the  final  distribution  on  this
Certificate  will be made after due notice of the pendency of such  distribution
and only upon  presentation  and surrender of this  Certificate at the office or
agency  appointed  by the Trustee for that  purpose in the City and State of New
York. The Initial Certificate Principal Balance of this Certificate is set forth
above. The Certificate Principal Balance hereof will be reduced to the extent of
distributions  allocable to principal and any Realized Losses allocable  hereto.
Notwithstanding  the reduction of the  Certificate  Principal  Balance hereof to
zero,  this  Certificate  will remain  outstanding  under the  Agreement and the
Holder hereof may have additional  obligations with respect to this Certificate,
including  tax   liabilities,   and  may  be  entitled  to  certain   additional
distributions  hereon,  in  accordance  with the  terms  and  provisions  of the
Agreement.
<PAGE>

               No transfer of this Class R  Certificate  will be made unless the
Trustee has received either (i) an opinion of counsel  acceptable to and in form
and substance  satisfactory to the Trustee,  the Company and the Master Servicer
with  respect  to  the  permissibility  of  such  transfer  under  the  Employee
Retirement Income Security Act of 1974, as amended  ("ERISA"),  and Section 4975
of the Internal Revenue Code (the "Code") and stating,  among other things, that
the  transferee's  acquisition  of a Class R Certificate  will not constitute or
result in a  non-exempt  prohibited  transaction  under  Section 406 of ERISA or
Section  4975 of the  Code  or  (ii) a  representation  letter,  in the  form as
described  by the  Agreement,  stating  that the  transferee  is not an employee
benefit or other plan subject to the prohibited  transaction provisions of ERISA
or  Section  4975 of the Code (a  "Plan"),  or any other  person  (including  an
investment manager, a named fiduciary or a trustee of any Plan) acting, directly
or indirectly,  on behalf of or purchasing any Certificate with "plan assets" of
any Plan.

               This   Certificate  is  one  of  a  duly   authorized   issue  of
Certificates  issued in several  Classes  designated  as  Mortgage  Asset-Backed
Pass-Through  Certificates of the Series specified  hereon (herein  collectively
called the "Certificates").

               The  Certificates  are  limited  in right of  payment  to certain
collections  and  recoveries   respecting  the  Mortgage  Loans,   all  as  more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds  are  advanced  with  respect  to  any  Mortgage  Loan,  such  advance  is
reimbursable  to the Master  Servicer,  to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.

               As  provided in the  Agreement,  withdrawals  from the  Custodial
Account   and/or  the   Certificate   Account   created   for  the   benefit  of
Certificateholders  may be made by the  Master  Servicer  from  time to time for
purposes other than distributions to Certificateholders, such purposes including
without  limitation  reimbursement  to the  Company  and the Master  Servicer of
advances made, or certain expenses incurred, by either of them.

               The Agreement permits,  with certain exceptions therein provided,
the  amendment  of  the  Agreement  and  the  modification  of  the  rights  and
obligations of the Company,  the Master  Servicer and the Trustee and the rights
of the  Certificateholders  under the Agreement at any time by the Company,  the
Master  Servicer and the Trustee with the consent of the Holders of Certificates
evidencing  in the aggregate  not less than 66% of the  Percentage  Interests of
each Class of Certificates  affected thereby.  Any such consent by the Holder of
this  Certificate  shall be  conclusive  and binding on such Holder and 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 notation
of such consent is made upon the  Certificate.  The  Agreement  also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain  additional  circumstances,  without the
consent of the Holders of certain Classes of Certificates.
<PAGE>

               As provided in the Agreement  and subject to certain  limitations
therein  set forth,  the  transfer of this  Certificate  is  registrable  in the
Certificate  Register upon surrender of this  Certificate  for  registration  of
transfer  at the offices or  agencies  appointed  by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form
below or other  written  instrument  of  transfer  in form  satisfactory  to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's  attorney  duly  authorized  in writing,  and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.

               The  Certificates  are issuable only as  registered  Certificates
without coupons in Classes and in denominations  specified in the Agreement.  As
provided in the Agreement and subject to certain  limitations therein set forth,
Certificates are  exchangeable for new Certificates of authorized  denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.

               No  service  charge  will be made  for any such  registration  of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.

               The Company, the Master Servicer, the Trustee and the Certificate
Registrar and any agent of the Company, the Master Servicer,  the Trustee or the
Certificate  Registrar  may treat the Person in whose name this  Certificate  is
registered  as the owner hereof for all purposes,  and neither the Company,  the
Master  Servicer,  the Trustee nor any such agent shall be affected by notice to
the contrary.

               This Certificate shall be governed by and construed in accordance
with the laws of the State of New York.

               The  obligations  created  by the  Agreement  in  respect  of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to  Certificateholders  of all  amounts  held by or on behalf of the Trustee and
required to be paid to them pursuant to the  Agreement  following the earlier of
(i) the maturity or other  liquidation of the last Mortgage Loan subject thereto
or the disposition of all property  acquired upon foreclosure or deed in lieu of
foreclosure  of any Mortgage  Loan and (ii) the purchase by the Master  Servicer
from the Trust Fund of all remaining Mortgage Loans and all property acquired in
respect of such  Mortgage  Loans,  thereby  effecting  early  retirement  of the
Certificates.  The Agreement permits,  but does not require, the Master Servicer
to (i) purchase at a price determined as provided in the Agreement all remaining
Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii)
purchase in whole,  but not in part,  all of the  Certificates  from the Holders
thereof; provided, that any such option may only be exercised if the Pool Stated
Principal  Balance of the Mortgage Loans as of the Distribution  Date upon which
the proceeds of any such  purchase are  distributed  is less than ten percent of
the Cut-off Date Principal Balance of the Mortgage Loans.

               Reference  is  hereby  made  to the  further  provisions  of this
Certificate set forth on the reverse hereof,  which further provisions shall for
all purpose have the same effect as if set forth at this place.

               Unless the certificate of authentication hereon has been executed
by the Certificate Registrar, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.

<PAGE>

               IN WITNESS WHEREOF, the Trustee has caused this Certificate to be
duly executed.

Dated:                                      [____________________________],
                                            as Trustee

                                            By:
                                               ---------------------------------
                                                 Authorized Signatory

                          CERTIFICATE OF AUTHENTICATION

               This  is one of  the  Class  R  Certificates  referred  to in the
within-mentioned Agreement.

                                            [----------------------------],
                                                 as Certificate Registrar

                                            By:
                                               ---------------------------------
                                                 Authorized Signatory

<PAGE>

                                   ASSIGNMENT

     FOR  VALUE  RECEIVED,   the  undersigned  hereby  sell(s),   assign(s)  and
transfer(s) unto  _____________________________  (Please print or typewrite name
and  address  including  postal  zip code of  assignee)  a  Percentage  Interest
evidenced  by the within  Mortgage  Asset-Backed  Pass-Through  Certificate  and
hereby  authorizes the transfer of  registration of such interest to assignee on
the Certificate Register of the Trust Fund.

               I (We) further  direct the  Certificate  Registrar to issue a new
Certificate of a like  denomination  and Class,  to the above named assignee and
deliver such Certificate to the following address:

________________________________________________________________________________

                                         _____________________________________
Dated:                                   Signature by or on behalf of assignor

                                         ______________________________________
                                                 Signature Guaranteed

                            DISTRIBUTION INSTRUCTIONS

               The  assignee  should  include  the  following  for  purposes  of
distribution:

     Distributions shall be made, by wire transfer or otherwise,  in immediately
available   funds  to   ______________________________   for  the   account   of
_______________________________  account  number  _____________________,  or, if
mailed by check, to ____________________________________.  Applicable statements
should be mailed to ____________________________________.

     This information is provided by _______________________, the assignee named
above, or ___________________, as its agent.

<PAGE>

                                    EXHIBIT E

                        FORM OF SELLER/SERVICER CONTRACT

        This  Seller/Servicer  Contract  (as  may be  amended,  supplemented  or
otherwise  modified from time to time, this "Contract") is made this day of , 20
, by and between  Residential  Funding  Corporation,  its successors and assigns
("Residential   Funding")  and  (the   "Seller/Servicer,"   and,  together  with
Residential Funding, the "parties" and each, individually, a "party").

        WHEREAS,  the  Seller/Servicer  desires to sell Loans to, and/or service
Loans for,  Residential  Funding,  and  Residential  Funding desires to purchase
Loans from the Seller/Servicer  and/or have the Seller/Servicer  service various
of its Loans, pursuant to the terms of this Contract and the Residential Funding
Seller  and  Servicer  Guides  incorporated  herein by  reference,  as  amended,
supplemented or otherwise modified, from time to time (together, the "Guides").

        NOW,  THEREFORE,  in  consideration  of the  premises,  and  the  terms,
conditions and agreements set forth below, the parties agree as follows:

1.      INCORPORATION OF GUIDES BY REFERENCE.

        The  Seller/Servicer  acknowledges  that it has  received  and  read the
Guides. All provisions of the Guides are incorporated by reference into and made
a part of this  Contract,  and  shall be  binding  upon the  parties;  provided,
however,  that the  Seller/Servicer  shall be  entitled  to sell Loans to and/or
service Loans for  Residential  Funding only if and for so long as it shall have
been authorized to do so by Residential  Funding in writing.  Specific reference
in this  Contract  to  particular  provisions  of the  Guides  and not to  other
provisions  does not mean that those  provisions of the Guides not  specifically
cited in this Contract are not applicable.  All terms used herein shall have the
same  meanings  as such terms have in the  Guides,  unless the  context  clearly
requires otherwise.

2.      AMENDMENTS.

        This Contract may not be amended or modified orally, and no provision of
this  Contract  may be waived or amended  except in writing  signed by the party
against whom  enforcement  is sought.  Such a written  waiver or amendment  must
expressly  reference this Contract.  However,  by their terms, the Guides may be
amended or  supplemented  by  Residential  Funding  from time to time.  Any such
amendment(s) to the Guides shall be binding upon the parties hereto.

3.      REPRESENTATIONS AND WARRANTIES.

a.      Reciprocal Representations and Warranties.

               The  Seller/Servicer  and Residential Funding each represents and
warrants to the other that as of the date of this Contract:
<PAGE>

(1)                   Each party is duly  organized,  validly  existing,  and in
                      good  standing  under  the  laws  of its  jurisdiction  of
                      organization,  is qualified,  if necessary, to do business
                      and in good standing in each  jurisdiction  in which it is
                      required to be so qualified,  and has the requisite  power
                      and  authority  to enter into this  Contract and all other
                      agreements  which are contemplated by this Contract and to
                      carry out its  obligations  hereunder and under the Guides
                      and under such other agreements.

(2)                   This  Contract  has been  duly  authorized,  executed  and
                      delivered  by each  party  and  constitutes  a  valid  and
                      legally  binding  agreement of each party  enforceable  in
                      accordance with its terms.

(3)                   There is no action, proceeding or investigation pending or
                      threatened,  and no basis  therefor  is  known  to  either
                      party,  that could  affect  the  validity  or  prospective
                      validity of this Contract.

(4)  Insofar as its capacity to carry out any obligation  under this Contract is
     concerned,  neither  party is in  violation  of any  charter,  articles  of
     incorporation,   bylaws,  mortgage,  indenture,  indebtedness,   agreement,
     instrument,  judgment,  decree, order, statute, rule or regulation and none
     of the  foregoing  adversely  affects  its  capacity  to fulfill any of its
     obligations under this Contract. Its execution of, and performance pursuant
     to, this Contract will not result in a violation of any of the foregoing.

b.      Seller/Servicer's Representations, Warranties and Covenants.

               In addition to the representations, warranties and covenants made
               by the  Seller/Servicer  pursuant  to  subparagraph  (a) of  this
               paragraph  3,  the  Seller/Servicer  makes  the  representations,
               warranties  and  covenants  set  forth in the  Guides  and,  upon
               request,  agrees to deliver to Residential  Funding the certified
               Resolution of Board of Directors  which  authorizes the execution
               and delivery of this Contract.

4.      REMEDIES OF RESIDENTIAL FUNDING.

        If an Event of Seller  Default  or an Event of  Servicer  Default  shall
occur,  Residential  Funding  may, at its option,  exercise one or more of those
remedies set forth in the Guides.

5.      SELLER/SERVICER'S STATUS AS INDEPENDENT CONTRACTOR.

        At no time shall the  Seller/Servicer  represent that it is acting as an
agent of Residential Funding. The Seller/Servicer shall, at all times, act as an
independent contractor.

6.      PRIOR AGREEMENTS SUPERSEDED.

        This Contract  restates,  amends and supersedes any and all prior Seller
Contracts or Servicer Contracts between the parties except that any subservicing
agreement  executed by the  Seller/Servicer in connection with any loan-security
exchange transaction shall not be affected.
<PAGE>

7.      ASSIGNMENT.

        This Contract may not be assigned or  transferred,  in whole or in part,
by the Seller/Servicer without the prior written consent of Residential Funding.
Residential  Funding may sell,  assign,  convey,  hypothecate,  pledge or in any
other way transfer,  in whole or in part, without restriction,  its rights under
this Contract and the Guides with respect to any Commitment or Loan.

8.      NOTICES.

        All notices,  requests,  demands or other  communications that are to be
given under this  Contract  shall be in writing,  addressed  to the  appropriate
parties and sent by  telefacsimile  or by overnight  courier or by United States
mail,  postage prepaid,  to the addresses and  telefacsimile  numbers  specified
below.  However,  another  name,  address  and/or  telefacsimile  number  may be
substituted  by  the  Seller/Servicer  pursuant  to  the  requirements  of  this
paragraph 8, or Residential Funding pursuant to an amendment to the Guides.

If to Residential  Funding,  notices must be sent to the appropriate  address or
telefacsimile number specified in the Guides.

If to the Seller/Servicer, notice must be sent to:

      Attention:___________________________________

      Telefacsimile Number:  (      )       -
                              ------  ------
9.      JURISDICTION AND VENUE.

        Each of the parties irrevocably submits to the jurisdiction of any state
or federal court located in Hennepin County, Minnesota, over any action, suit or
proceeding  to enforce or defend any right  under  this  Contract  or  otherwise
arising from any loan sale or servicing relationship existing in connection with
this  Contract,  and each of the parties  irrevocably  agrees that all claims in
respect of any such  action or  proceeding  may be heard or  determined  in such
state or federal court. Each of the parties irrevocably waives the defense of an
inconvenient  forum to the  maintenance of any such action or proceeding and any
other  substantive or procedural  rights or remedies it may have with respect to
the maintenance of any such action or proceeding in any such forum.  Each of the
parties agrees that a final  judgment in any such action or proceeding  shall be
conclusive and may be enforced in any other jurisdiction by suit on the judgment
or in any other manner  provided by law. Each of the parties  further agrees not
to institute  any legal  actions or  proceedings  against the other party or any
director,  officer,  employee,  attorney,  agent or property of the other party,
arising  out of or  relating  to  this  Contract  in any  court  other  than  as
hereinabove specified in this paragraph 9.
<PAGE>

10.     MISCELLANEOUS.

        This Contract, including all documents incorporated by reference herein,
constitutes the entire  understanding  between the parties hereto and supersedes
all other agreements, covenants, representations, warranties, understandings and
communications between the parties, whether written or oral, with respect to the
transactions  contemplated by this Contract.  All paragraph  headings  contained
herein  are for  convenience  only and  shall not be  construed  as part of this
Contract.  Any provision of this Contract that is prohibited or unenforceable in
any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of
such prohibition or unenforceability without invalidating the remaining portions
hereof or affecting  the  validity or  enforceability  of such  provision in any
other jurisdiction,  and, to this end, the provisions hereof are severable. This
Contract  shall be governed by, and construed  and enforced in accordance  with,
applicable federal laws and the laws of the State of Minnesota.

<PAGE>

        IN WITNESS WHEREOF,  the duly authorized officers of the Seller/Servicer
and Residential  Funding have executed this  Seller/Servicer  Contract as of the
date first above written.

ATTEST:                                 SELLER/SERVICER

[Corporate Seal]

                                                       (Name of Seller/Servicer)
By:                                     By:
   --------------------------------
      (Signature)                                        (Signature)
By:                                     By:
   --------------------------------
      (Typed Name)                                       (Typed Name)
Title:                                  Title:
      ------------------------------
======================================= ========================================

ATTEST:                                 RESIDENTIAL FUNDING CORPORATION
[Corporate Seal]

By:                                     By:
   --------------------------------
      (Signature)                                        (Signature)
By:                                     By:
   --------------------------------
      (Typed Name)                                       (Typed Name)
Title:                                  Title:
      ------------------------------

<PAGE>

                                    EXHIBIT F
                          FORMS OF REQUEST FOR RELEASE

DATE:

TO:

RE:            REQUEST FOR RELEASE OF DOCUMENTS

In connection with the  administration of the pool of Mortgage Loans held by you
for the  referenced  pool,  we request  the  release of the  Mortgage  Loan File
described below.

Pooling and Servicing Agreement Dated:
Series#:
Account#:
Pool#:
Loan#:
MIN#:
Borrower Name(s):
Reason for Document Request:      (circle one)

        Mortgage Loan Prepaid in Full              Mortgage Loan Repurchased

"We hereby  certify  that all amounts  received or to be received in  connection
with such  payments  which are required to be deposited  have been or will be so
deposited as provided in the Pooling and Servicing Agreement."

Residential Funding Corporation
Authorized Signature

******************************************************************************

TO  CUSTODIAN/TRUSTEE:  Please acknowledge this request, and check off documents
being  enclosed  with a copy of this form.  You should retain this form for your
files in accordance with the terms of the Pooling and Servicing Agreement.

Enclosed Documents:          [ ]  Promissory Note
                             [ ]  Primary Insurance Policy
                             [ ]  Mortgage or Deed of Trust
                             [ ] Assignment(s) of Mortgage or Deed of Trust
                             [ ]  Title Insurance Policy
                             [ ]  Other:

Name:
     ------------------------
Title:
      -----------------------
Date:
     ------------------------

<PAGE>

                                   EXHIBIT G-1

                    FORM OF TRANSFER AFFIDAVIT AND AGREEMENT

STATE OF                         )
                                 )    ss.:
COUNTY OF                        )
               [NAME OF OFFICER], being first duly sworn, deposes and says:

1. That he is [Title of Officer] of [Name of Owner] (record or beneficial  owner
of the Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, Class R
(the  "Owner")),  a  [savings  institution]  [corporation]  duly  organized  and
existing  under the laws of [the State  of__________ ] [the United  States],  on
behalf of which he makes this affidavit and agreement.

2. That the Owner (i) is not and will not be a "disqualified organization" or an
electing  large  partnership  as of [date of  transfer]  within  the  meaning of
Sections 860E(e)(5) and 775, respectively, of the Internal Revenue Code of 1986,
as amended (the "Code") or an electing large partnership under Section 775(a) of
the Code,  (ii) will endeavor to remain other than a  disqualified  organization
for so long as it retains its  ownership  interest in the Class R  Certificates,
and (iii) is acquiring the Class R  Certificates  for its own account or for the
account of another  Owner from which it has received an affidavit  and agreement
in  substantially  the same  form as this  affidavit  and  agreement.  (For this
purpose, a "disqualified organization" means an electing large partnership under
Section 775 of the Code, the United States,  any state or political  subdivision
thereof,  any agency or  instrumentality  of any of the foregoing (other than an
instrumentality  all of the  activities of which are subject to tax and,  except
for the Federal  Home Loan  Mortgage  Corporation,  a majority of whose board of
directors  is not  selected  by any such  governmental  entity)  or any  foreign
government,  international organization or any agency or instrumentality of such
foreign government or organization, any rural electric or telephone cooperative,
or any organization (other than certain farmers' cooperatives) that is generally
exempt from federal income tax unless such organization is subject to the tax on
unrelated business taxable income).

3. That the Owner is aware (i) of the tax that would be imposed on  transfers of
Class  R  Certificates   to   disqualified   organizations   or  electing  large
partnerships,  under  the  Code,  that  applies  to all  transfers  of  Class  R
Certificates after March 31, 1988; (ii) that such tax would be on the transferor
(or,  with  respect to transfers to electing  large  partnerships,  on each such
partnership),  or, if such transfer is through an agent (which person includes a
broker,  nominee or middleman)  for a disqualified  organization,  on the agent;
(iii) that the person  (other than with respect to  transfers to electing  large
partnerships)  otherwise  liable for the tax shall be relieved of liability  for
the tax if the  transferee  furnishes  to such  person  an  affidavit  that  the
transferee is not a disqualified organization and, at the time of transfer, such
person does not have actual knowledge that the affidavit is false; and (iv) that
the Class R Certificates  may be  "noneconomic  residual  interests"  within the
meaning of Treasury  regulations  promulgated  pursuant to the Code and that the
transferor of a noneconomic  residual  interest will remain liable for any taxes
due with respect to the income on such residual interest,  unless no significant
purpose of the transfer was to impede the assessment or collection of tax.
<PAGE>

4. That the Owner is aware of the tax imposed on a "pass-through entity" holding
Class R  Certificates  if either the  pass-through  entity is an electing  large
partnership  under  Section 775 of the if at any time during the taxable year of
the pass-through  entity a disqualified  organization is the record holder of an
interest in such entity.  (For this purpose,  a "pass through entity" includes a
regulated  investment  company,  a real estate  investment trust or common trust
fund, a partnership, trust or estate, and certain cooperatives.)

5. The Owner is either (i) a citizen or  resident of the United  States,  (ii) a
corporation,  partnership  or  other  entity  treated  as  a  corporation  or  a
partnership for U.S.  federal income tax purposes and created or organized in or
under the laws of the  United  States,  any state  thereof  or the  District  of
Columbia (other than a partnership that is not treated as a United States person
under any applicable Treasury regulations), (iii) an estate that is described in
Section 7701(a)(30)(D) of the Code, or (iv) a trust that is described in Section
7701(a)(30)(E) of the Code.

6. The  Owner  hereby  agrees  that it will not  cause  income  from the Class R
Certificates to be attributable to a foreign  permanent  establishment  or fixed
base  (within  the meaning of an  applicable  income tax treaty) of the Owner or
another United States taxpayer.

7. That the Owner is aware that the Trustee  will not  register  the transfer of
any Class R  Certificates  unless the  transferee,  or the  transferee's  agent,
delivers to it an affidavit and agreement,  among other things, in substantially
the same form as this affidavit and agreement.  The Owner expressly  agrees that
it will not consummate any such transfer if it knows or believes that any of the
representations contained in such affidavit and agreement are false.

8. That the Owner has  reviewed  the  restrictions  set forth on the face of the
Class R Certificates  and the  provisions of Section  5.02(f) of the Pooling and
Servicing  Agreement  under  which  the Class R  Certificates  were  issued  (in
particular,  clause (iii)(A) and (iii)(B) of Section 5.02(f) which authorize the
Trustee to deliver  payments  to a person  other than the Owner and  negotiate a
mandatory sale by the Trustee in the event the Owner holds such  Certificates in
violation of Section 5.02(f)).  The Owner expressly agrees to be bound by and to
comply with such restrictions and provisions.

9. That the Owner consents to any additional  restrictions or arrangements  that
shall be deemed  necessary  upon advice of counsel to  constitute  a  reasonable
arrangement to ensure that the Class R Certificates will only be owned, directly
or indirectly, by an Owner that is not a disqualified organization.

10.     The Owner's Taxpayer Identification Number is  ______________________.

11. This affidavit and agreement  relates only to the Class R Certificates  held
by the Owner and not to any other holder of the Class R Certificates.  The Owner
understands  that the  liabilities  described  herein relate only to the Class R
Certificates.
<PAGE>

12. That no purpose of the Owner  relating to the transfer of any of the Class R
Certificates  by the Owner is or will be to impede the  assessment or collection
of any tax; in making this representation,  the Owner warrants that the Owner is
familiar with (i) Treasury  Regulation Section 1.860E-1(c) and recent amendments
thereto,  effective as of July 19, 2002,  and (ii) the preamble  describing  the
adoption of the  amendments  to such  regulation,  which is  attached  hereto as
Exhibit 1.

13.  That the Owner has no  present  knowledge  or  expectation  that it will be
unable  to  pay  any  United  States  taxes  owed  by it so  long  as any of the
Certificates remain outstanding.  In this regard, the Owner hereby represents to
and for the benefit of the person from whom it acquired the Class R  Certificate
that the Owner  intends  to pay  taxes  associated  with  holding  such  Class R
Certificate  as they  become  due,  fully  understanding  that it may  incur tax
liabilities in excess of any cash flows generated by the Class R Certificate.

14. That the Owner has no present  knowledge or expectation  that it will become
insolvent or subject to a bankruptcy  proceeding for so long as any of the Class
R Certificates remain outstanding.

15. The  Purchaser is not an employee  benefit plan or other plan subject to the
prohibited transaction provisions 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"),  or an investment  manager,  named fiduciary or a
trustee of any such plan, or any other Person acting, directly or indirectly, on
behalf of or purchasing any Certificate with "plan assets" of any such plan.

<PAGE>

               IN WITNESS  WHEREOF,  the Owner has caused this  instrument to be
executed on its behalf,  pursuant to the authority of its Board of Directors, by
its [Title of Officer] and its corporate seal to be hereunto attached,  attested
by its [Assistant] Secretary, this day of , 200 .

                                            [NAME OF OWNER]

                                            By:
                                               ---------------------------------
                                                 [Name of Officer]
                                                 [Title of Officer]
[Corporate Seal]

ATTEST:

[Assistant] Secretary

               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 Owner, and acknowledged to me
that he executed  the same as his free act and deed and the free act and deed of
the Owner.

               Subscribed and sworn before me this  ____ day of  ___________,
200 ____

                                  NOTARY PUBLIC

                                            COUNTY OF
                                                     ---------------------------
                                            STATE OF
                                                    ----------------------------

                           My Commission  expires the _____ day of _____,20___.

<PAGE>

                                    EXHIBIT 1

DEPARTMENT OF THE TREASURY

Internal Revenue Service

26 CFR Parts 1 and 602

[TD 9004]
RIN 1545-AW98

Real Estate Mortgage Investment Conduits

AGENCY: Internal Revenue Service (IRS), Treasury.

ACTION: Final regulations.

-----------------------------------------------------------------------

SUMMARY:  This  document  contains  final  regulations  relating  to safe harbor
transfers of noneconomic  residual interests in real estate mortgage  investment
conduits (REMICs).  The final regulations provide additional  limitations on the
circumstances under which transferors may claim safe harbor treatment.

DATES: Effective Date: These regulations are effective July 19, 2002.
    Applicability Date: For dates of applicability, see Sec. 1.860E-
(1)(c)(10).

FOR FURTHER INFORMATION CONTACT: Courtney Shepardson at (202) 622-3940
(not a toll-free number).

SUPPLEMENTARY INFORMATION:

Paperwork Reduction Act

    The  collection  of  information  in this final rule has been  reviewed and,
pending  receipt and  evaluation of public  comments,  approved by the Office of
Management  and Budget (OMB) under 44 U.S.C.  3507 and assigned  control  number
1545-1675.
    The  collection  of  information  in  this  regulation  is in  Sec.  1.860E-
1(c)(5)(ii).  This  information  is  required to enable the IRS to verify that a
taxpayer is complying with the conditions of this regulation.  The collection of
information  is mandatory  and is  required.  Otherwise,  the taxpayer  will not
receive the benefit of safe harbor treatment as provided in the regulation.  The
likely respondents are businesses and other for-profit institutions.
<PAGE>

    Comments on the  collection of  information  should be sent to the Office of
Management  and Budget,  Attn:  Desk Officer for the Department of the Treasury,
Office of Information and Regulatory Affairs, Washington, DC, 20503, with copies
to  the  Internal  Revenue  Service,   Attn:  IRS  Reports  Clearance   Officer,
W:CAR:MP:FP:S,  Washington,  DC 20224. Comments on the collection of information
should be received by September 17, 2002.  Comments are  specifically  requested
concerning:

    Whether  the   collection  of   information  is  necessary  for  the  proper
performance of the functions of the Internal Revenue Service,  including whether
the information will have practical utility;

    The accuracy of the estimated burden associated with the collection
of information (see below);

    How the quality, utility, and clarity of the information to be
collected may be enhanced;

    How the  burden of  complying  with the  collection  of  information  may be
minimized,  including through the application of automated collection techniques
or other forms of information technology; and

    Estimates of capital or start-up costs and costs of operation,  maintenance,
and purchase of service to provide information.

    An agency  may not  conduct  or  sponsor,  and a person is not  required  to
respond to, a  collection  of  information  unless it  displays a valid  control
number assigned by the Office of Management and Budget.

    The  estimated  total  annual  reporting  burden is 470  hours,  based on an
estimated  number of respondents  of 470 and an estimated  average annual burden
hours per respondent of one hour.

    Books or records relating to a collection of information must be retained as
long as their contents may become material in the administration of any internal
revenue law. Generally, tax returns and tax return information are confidential,
as required by 26 U.S.C. 6103.

Background

    This document contains final regulations  regarding the proposed  amendments
to 26 CFR part 1 under  section  860E of the Internal  Revenue Code (Code).  The
regulations  provide the circumstances under which a transferor of a noneconomic
REMIC  residual   interest   meeting  the   investigation   and   representation
requirements  may avail  itself  of the safe  harbor by  satisfying  either  the
formula test or the asset test.

    Final regulations  governing REMICs, issued in 1992, contain rules governing
the transfer of noneconomic REMIC residual interests.  In general, a transfer of
a  noneconomic  residual  interest  is  disregarded  for all tax  purposes  if a
significant purpose of the transfer is to

[[Page 47452]]

enable the  transferor to impede the  assessment or collection of tax. A purpose
to impede the assessment or collection of tax (a wrongful purpose) exists if the
transferor,  at the time of the transfer,  either knew or should have known that
the transferee would be unwilling or unable to pay taxes due on its share of the
REMIC's taxable income.

<PAGE>

    Under a safe harbor, the transferor of a REMIC noneconomic residual interest
is presumed not to have a wrongful  purpose if two  requirements  are satisfied:
(1) the  transferor  conducts a  reasonable  investigation  of the  transferee's
financial  condition  (the  investigation  requirement);  and (2) the transferor
secures a  representation  from the transferee to the effect that the transferee
understands the tax obligations  associated with holding a residual interest and
intends to pay those taxes (the representation requirement).

    The  IRS  and  Treasury  have  been  concerned  that  some   transferors  of
noneconomic  residual  interests  claim they  satisfy  the safe  harbor  even in
situations  where the economics of the transfer  clearly indicate the transferee
is unwilling or unable to pay the tax associated with holding the interest.  For
this reason,  on February 7, 2000, the IRS published in the Federal Register (65
FR 5807) a notice of proposed rulemaking (REG-100276-97; REG-122450-98) designed
to clarify the safe harbor by adding the "formula  test," an economic  test. The
proposed  regulation  provides  that the safe harbor is  unavailable  unless the
present value of the  anticipated  tax  liabilities  associated with holding the
residual  interest  does not  exceed the sum of:  (1) The  present  value of any
consideration  given to the transferee to acquire the interest;  (2) the present
value of the expected future distributions on the interest;  and (3) the present
value of the anticipated tax savings associated with holding the interest as the
REMIC generates losses.

    The notice of proposed  rulemaking also contained rules for FASITs.  Section
1.860H-6(g) of the proposed regulations  provides  requirements for transfers of
FASIT  ownership  interests  and adopts a safe harbor by  reference  to the safe
harbor provisions of the REMIC regulations.

    In January 2001, the IRS published Rev. Proc. 2001-12 (2001-3 I.R.B. 335) to
set forth an alternative  safe harbor that taxpayers could use while the IRS and
the  Treasury  considered  comments  on  the  proposed  regulations.  Under  the
alternative safe harbor, if a transferor meets the investigation requirement and
the representation  requirement but the transfer fails to meet the formula test,
the transferor  may invoke the safe harbor if the transferee  meets a two- prong
test (the asset test). A transferee generally meets the first prong of this test
if, at the time of the transfer, and in each of the two years preceding the year
of  transfer,  the  transferee's  gross  assets  exceed $100 million and its net
assets exceed $10 million. A transferee generally meets the second prong of this
test if it is a  domestic,  taxable  corporation  and agrees in  writing  not to
transfer  the  interest  to any person  other  than  another  domestic,  taxable
corporation that also satisfies the requirements of the asset test. A transferor
cannot rely on the asset test if the  transferor  knows,  or has reason to know,
that the  transferee  will not comply  with its written  agreement  to limit the
restrictions on subsequent transfers of the residual interest.

<PAGE>

    Rev. Proc. 2001-12 provides that the asset test fails to be satisfied in the
case of a transfer or assignment of a noneconomic residual interest to a foreign
branch of an otherwise  eligible  transferee.  If such a transfer or  assignment
were permitted,  a corporate taxpayer might seek to claim that the provisions of
an  applicable  income tax treaty  would  resource  excess  inclusion  income as
foreign  source  income,  and that,  as a  consequence,  any U.S. tax  liability
attributable  to the excess  inclusion  income  could be offset by  foreign  tax
credits.  Such a claim would impede the  assessment or collection of U.S. tax on
excess inclusion income,  contrary to the congressional purpose of assuring that
such income will be taxable in all events. See, e.g., sections 860E(a)(1),  (b),
(e) and 860G(b) of the Code.

    The Treasury and the IRS have  learned that certain  taxpayers  transferring
noneconomic residual interests to foreign branches have attempted to rely on the
formula  test to obtain  safe  harbor  treatment  in an  effort  to  impede  the
assessment or collection of U.S. tax on excess  inclusion  income.  Accordingly,
the  final  regulations  provide  that if a  noneconomic  residual  interest  is
transferred  to a  foreign  permanent  establishment  or  fixed  base  of a U.S.
taxpayer,  the transfer is not eligible for safe harbor  treatment  under either
the asset  test or the  formula  test.  The  final  regulations  also  require a
transferee  to  represent  that it will not cause  income  from the  noneconomic
residual  interest to be attributable to a foreign  permanent  establishment  or
fixed base.

    Section 1.860E-1(c)(8)  provides computational rules that a taxpayer may use
to  qualify  for  safe  harbor   status   under  the   formula   test.   Section
1.860E-1(c)(8)(i)  provides that the transferee is presumed to pay tax at a rate
equal to the highest rate of tax specified in section 11(b).  Some  commentators
were  concerned that this presumed rate of taxation was too high because it does
not take into  consideration  taxpayers  subject to the alternative  minimum tax
rate. In light of the comments received,  this provision has been amended in the
final regulations to allow certain transferees that compute their taxable income
using the alternative  minimum tax rate to use the alternative  minimum tax rate
applicable to corporations.

    Additionally,  Sec.  1.860E-1(c)(8)(iii) provides that the present values in
the  formula  test  are to be  computed  using  a  discount  rate  equal  to the
applicable  Federal  short-term  rate prescribed by section  1274(d).  This is a
change  from  the  proposed   regulation  and  Rev.  Proc.   2001-12.  In  those
publications  the  provision  stated that "present  values are computed  using a
discount rate equal to the applicable Federal rate prescribed in section 1274(d)
compounded  semiannually"  and that "[a] lower  discount rate may be used if the
transferee can demonstrate that it regularly borrows, in the course of its trade
or  business,  substantial  funds at such  lower  rate from an  unrelated  third
party." The IRS and the Treasury  Department  have learned  that,  based on this
provision,  certain taxpayers have been attempting to use unrealistically low or
zero interest rates to satisfy the formula test,  frustrating  the intent of the
test.  Furthermore,  the  Treasury  Department  and the IRS believe  that a rule
allowing  for a rate  other than a rate based on an  objective  index  would add
unnecessary complexity to the safe harbor. As a result, the rule in the proposed

<PAGE>

regulations  that  permits a transferee  to use a lower  discount  rate,  if the
transferee can demonstrate that it regularly  borrows  substantial funds at such
lower rate, is not included in the final regulations; and the Federal short-term
rate  has  been  substituted  for  the  applicable  Federal  rate.  To  simplify
taxpayers' computations, the final regulations allow use of any of the published
short-term  rates,  provided  that  the  present  values  are  computed  with  a
corresponding  period  of  compounding.  With the  exception  of the  provisions
relating to transfers to foreign  branches,  these  changes  generally  have the
proposed  applicability  date of February 4, 2000,  but  taxpayers may choose to
apply the interest  rate formula set forth in the proposed  regulation  and Rev.
Proc. 2001-12 for transfers occurring before August 19, 2002.

    It is anticipated that when final regulations are adopted with
respect to

[[Page 47453]]

FASITs,  Sec.  1.860H-6(g)  of the  proposed  regulations  will  be  adopted  in
substantially  its  present  form,  with the result  that the final  regulations
contained  in this  document  will  also  govern  transfers  of FASIT  ownership
interests with substantially the same applicability date as is contained in this
document.

Effect on Other Documents

    Rev. Proc. 2001-12 (2001-3 I.R.B. 335) is obsolete for transfers of
noneconomic residual interests in REMICs occurring on or after August
19, 2002.

Special Analyses

    It is hereby  certified that these  regulations  will not have a significant
economic impact on a substantial number of small entities. This certification is
based  on the  fact  that it is  unlikely  that a  substantial  number  of small
entities will hold REMIC residual interests. Therefore, a Regulatory Flexibility
Analysis  under  the  Regulatory  Flexibility  Act (5 U.S.C.  chapter  6) is not
required.  It  has  been  determined  that  this  Treasury  decision  is  not  a
significant regulatory action as defined in Executive Order 12866.  Therefore, a
regulatory assessment is not required. It also has been determined that sections
553(b) and 553(d) of the  Administrative  Procedure Act (5 U.S.C.  chapter 5) do
not apply to these regulations.
<PAGE>

Drafting Information

    The principal author of these regulations is Courtney  Shepardson.  However,
other  personnel  from the IRS and  Treasury  Department  participated  in their
development.

List of Subjects

26 CFR Part 1

    Income taxes, Reporting and record keeping requirements.

26 CFR Part 602

    Reporting and record keeping requirements.

Adoption of Amendments to the Regulations

    Accordingly, 26 CFR parts 1 and 602 are amended as follows:

PART 1--INCOME TAXES

    Paragraph 1. The authority  citation for part 1 continues to read in part as
follows:

    Authority: 26 U.S.C. 7805 * * *

<PAGE>

                                   EXHIBIT G-2

                         FORM OF TRANSFEROR CERTIFICATE

                                                  , 20
                                   ---------------    ----

Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, Minnesota  55437

==================
------------------

Attention:  Residential Funding Corporation Series ____-___

               Re:    Mortgage Asset-Backed Pass-Through Certificates,
                      Series ____-___, Class R

Ladies and Gentlemen:

               This letter is delivered to you in  connection  with the transfer
by (the  "Seller")  to (the  "Purchaser")  of $  Initial  Certificate  Principal
Balance of Mortgage  Asset-Backed  Pass-Through  Certificates,  Series ____-___,
Class R (the  "Certificates"),  pursuant  to  Section  5.02 of the  Pooling  and
Servicing  Agreement  (the  "Pooling  and  Servicing  Agreement"),  dated  as of
___________  1, ____ among  Residential  Accredit  Loans,  Inc.,  as seller (the
"Company"),   Residential   Funding   Corporation,   as  master  servicer,   and
__________________,  as trustee (the  "Trustee").  All terms used herein and not
otherwise defined shall have the meanings set forth in the Pooling and Servicing
Agreement.  The  Seller  hereby  certifies,  represents  and  warrants  to,  and
covenants with, the Company and the Trustee that:

1. No purpose of the Seller  relating to the transfer of the  Certificate by the
Seller to the Purchaser is or will be to impede the  assessment or collection of
any tax.

2. The Seller  understands  that the  Purchaser has delivered to the Trustee and
the Master  Servicer a transfer  affidavit and agreement in the form attached to
the Pooling and Servicing  Agreement as Exhibit G-1. The Seller does not know or
believe that any representation contained therein is false.

3.  The  Seller  has  at  the  time  of  the  transfer  conducted  a  reasonable
investigation  of the financial  condition of the Purchaser as  contemplated  by
Treasury  Regulations  Section  1.860E-1(c)(4)(i)  and,  as  a  result  of  that
investigation,  the Seller has  determined  that the Purchaser has  historically
paid its debts as they  become  due and has  found no  significant  evidence  to
indicate  that the  Purchaser  will not continue to pay its debts as they become
due in the  future.  The  Seller  understands  that  the  transfer  of a Class R
Certificate  may not be respected for United States income tax purposes (and the
Seller may  continue  to be liable for United  States  income  taxes  associated
therewith) unless the Seller has conducted such an investigation.

4. The Seller has no actual knowledge that the proposed Transferee is not both a
United States Person and a Permitted Transferee.

                                Very truly yours,

                                            (Seller)

                                            By:
                                               ---------------------------------
                                            Name:
                                                 -------------------------------
                                            Title:
                                                  ------------------------------

<PAGE>

                                    EXHIBIT H

                     FORM OF INVESTOR REPRESENTATION LETTER

                                      , 20

Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, MN 55437

==================
------------------

Residential Funding Corporation
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, MN  55437

Attention:  Residential Funding Corporation Series ____-___

               RE:    Mortgage Asset-Backed Pass-Through Certificates,
                      Series ____-___, [Class B-]

Ladies and Gentlemen:

               (the  "Purchaser")  intends to  purchase  from (the  "Seller")  $
Initial  Certificate  Principal  Balance of Mortgage  Asset-Backed  Pass-Through
Certificates,  Series ____-___,  Class (the "Certificates"),  issued pursuant to
the Pooling and Servicing  Agreement  (the  "Pooling and Servicing  Agreement"),
dated as of  ___________  1, ____ among  Residential  Accredit  Loans,  Inc., as
seller (the "Company"), Residential Funding Corporation, as master servicer (the
"Master  Servicer"),  and  __________________,  as trustee (the "Trustee").  All
terms used herein and not otherwise defined shall have the meanings set forth in
the Pooling and Servicing Agreement. The Purchaser hereby certifies,  represents
and warrants to, and  covenants  with,  the Company,  the Trustee and the Master
Servicer that:

1.   The Purchaser  understands that (a) the Certificates have not been and will
     not be registered or qualified under the Securities Act of 1933, as amended
     (the "Act") or any state securities law, (b) the Company is not required to
     so register or qualify the Certificates, (c) the Certificates may be resold
     only if registered  and qualified  pursuant to the provisions of the Act or
     any state  securities  law, or if an exemption from such  registration  and
     qualification  is  available,  (d)  the  Pooling  and  Servicing  Agreement
     contains  restrictions  regarding the transfer of the  Certificates and (e)
     the Certificates will bear a legend to the foregoing effect.
<PAGE>

2.   The  Purchaser  is  acquiring  the  Certificates  for its own  account  for
     investment  only and not with a view to or for sale in connection  with any
     distribution  thereof  in any  manner  that  would  violate  the Act or any
     applicable state securities laws.

3.   The Purchaser is (a) a substantial,  sophisticated  institutional  investor
     having such  knowledge and  experience  in financial and business  matters,
     and, in particular,  in such matters  related to securities  similar to the
     Certificates, such that it is capable of evaluating the merits and risks of
     investment in the Certificates, (b) able to bear the economic risks of such
     an investment and (c) an "accredited  investor"  within the meaning of Rule
     501(a) promulgated pursuant to the Act.

4.   The Purchaser has been furnished with, and has had an opportunity to review
     (a) [a copy of the Private  Placement  Memorandum,  dated  ________,  20__,
     relating  to the  Certificates  (b)] a copy of the  Pooling  and  Servicing
     Agreement and [b] [c] such other  information  concerning the Certificates,
     the Mortgage  Loans and the Company as has been  requested by the Purchaser
     from the Company or the Seller and is relevant to the Purchaser's  decision
     to purchase the  Certificates.  The Purchaser has had any questions arising
     from such review answered by the Company or the Seller to the  satisfaction
     of the Purchaser.  [If the Purchaser did not purchase the Certificates from
     the Seller in connection with the initial  distribution of the Certificates
     and was  provided  with a copy of the  Private  Placement  Memorandum  (the
     "Memorandum")  relating to the original sale (the  "Original  Sale") of the
     Certificates  by  the  Company,   the  Purchaser   acknowledges  that  such
     Memorandum  was  provided  to it by the  Seller,  that the  Memorandum  was
     prepared by the Company solely for use in connection with the Original Sale
     and  the  Company  did  not  participate  in or  facilitate  in any way the
     purchase of the  Certificates  by the  Purchaser  from the Seller,  and the
     Purchaser  agrees  that it will look  solely to the  Seller  and not to the
     Company with respect to any damage, liability, claim or expense arising out
     of, resulting from or in connection with (a) error or omission,  or alleged
     error or omission,  contained in the  Memorandum,  or (b) any  information,
     development or event arising after the date of the Memorandum.]

5.   The  Purchaser  has not and  will  not  nor  has it  authorized  or will it
     authorize any person to (a) offer,  pledge,  sell,  dispose of or otherwise
     transfer  any  Certificate,  any interest in any  Certificate  or any other
     similar security to any person in any manner,  (b) solicit any offer to buy
     or to accept a pledge,  disposition of other  transfer of any  Certificate,
     any interest in any  Certificate  or any other  similar  security  from any
     person in any manner,  (c) otherwise  approach or negotiate with respect to
     any  Certificate,  any  interest in any  Certificate  or any other  similar
     security with any person in any manner,  (d) make any general  solicitation
     by means of  general  advertising  or in any  other  manner or (e) take any
     other action,  that (as to any of (a) through (e) above) would constitute a
     distribution  of any  Certificate  under the Act,  that  would  render  the
     disposition  of any  Certificate a violation of Section 5 of the Act or any
     state  securities law, or that would require  registration or qualification
     pursuant thereto.  The Purchaser will not sell or otherwise transfer any of
     the  Certificates,  except in compliance with the provisions of the Pooling
     and Servicing Agreement.
<PAGE>

6.      The Purchaser

(a)            is  not  an  employee  benefit  or  other  plan  subject  to  the
               prohibited  transaction  provisions  of the  Employee  Retirement
               Income  Security Act of 1974,  as amended  ("ERISA"),  or Section
               4975 of the Internal Revenue Code of 1986, as amended (a "Plan"),
               or any other person  (including  an investment  manager,  a named
               fiduciary  or  a  trustee  of  any  Plan)  acting,   directly  or
               indirectly, on behalf of or purchasing any Certificate with "plan
               assets" of any Plan within the meaning of the Department of Labor
               ("DOL") regulation at 29 C.F.R. ss.2510.3-101; or

(b)            is an insurance company,  the source of funds to be used by it to
               purchase  the  Certificates  is  an  "insurance  company  general
               account" (within the meaning of DOL Prohibited  Transaction Class
               Exemption  ("PTCE")  95-60),  and the  purchase  is being made in
               reliance upon the  availability of the exemptive  relief afforded
               under Sections I and III of PTCE 95-60.

        In addition, the Purchaser hereby certifies, represents and warrants to,
and covenants  with, the Company,  the Trustee and the Master  Servicer that the
Purchaser will not transfer such  Certificates to any Plan or person unless such
Plan or person meets the requirements set forth in either 6(a) or (b) above.

                                Very truly yours,

                                            By:
                                               ---------------------------------
                                            Name:
                                                 -------------------------------
                                            Title:
                                                  ------------------------------

<PAGE>

                                    EXHIBIT I

                    FORM OF TRANSFEROR REPRESENTATION LETTER

                                                , 20
                                       ---------    --

Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, MN 55437

==================
------------------

Attention: Residential Funding Corporation Series ____-___

               Re:    Mortgage Asset-Backed Pass-Through Certificates,
                      Series ____-___, [Class B-]

Ladies and Gentlemen:

               In   connection   with  the  sale  by  (the   "Seller")  to  (the
"Purchaser") of $ Initial Certificate Principal Balance of Mortgage Asset-Backed
Pass-Through Certificates,  Series ____-___, Class (the "Certificates"),  issued
pursuant to the Pooling and  Servicing  Agreement  (the  "Pooling and  Servicing
Agreement"),  dated as of ___________ 1, ____ among Residential  Accredit Loans,
Inc., as seller (the  "Company"),  Residential  Funding  Corporation,  as master
servicer, and __________________,  as trustee (the "Trustee"). The Seller hereby
certifies,  represents and warrants to, and covenants  with, the Company and the
Trustee that:

               Neither  the  Seller  nor  anyone  acting on its  behalf  has (a)
offered,  pledged,  sold, disposed of or otherwise  transferred any Certificate,
any interest in any  Certificate or any other similar  security to any person in
any  manner,  (b)  has  solicited  any  offer  to buy  or to  accept  a  pledge,
disposition  or  other  transfer  of  any  Certificate,   any  interest  in  any
Certificate or any other similar security from any person in any manner, (c) has
otherwise approached or negotiated with respect to any Certificate, any interest
in any Certificate or any other similar  security with any person in any manner,
(d) has made any general  solicitation by means of general advertising or in any
other manner, or (e) has taken any other action,  that (as to any of (a) through
(e)  above)  would  constitute  a  distribution  of the  Certificates  under the
Securities  Act of 1933 (the "Act"),  that would render the  disposition  of any
Certificate a violation of Section 5 of the Act or any state  securities law, or
that would require  registration or qualification  pursuant thereto.  The Seller
will not act, in any manner set forth in the foregoing  sentence with respect to
any Certificate.  The Seller has not and will not sell or otherwise transfer any
of the Certificates, except in compliance with the provisions of the Pooling and
Servicing Agreement.

                                Very truly yours,

                                            (Seller)

                                            By:
                                               ---------------------------------
                                            Name:
                                                 -------------------------------
                                            Title:
                                                  ------------------------------

<PAGE>

                                    EXHIBIT J

                  [FORM OF RULE 144A INVESTMENT REPRESENTATION]

                          Description   of  Rule  144A   Securities,   including
numbers:

               The  undersigned  seller,  as registered  holder (the  "Seller"),
intends to transfer the Rule 144A Securities  described above to the undersigned
buyer (the "Buyer").

1. In  connection  with such  transfer  and in  accordance  with the  agreements
pursuant  to which the Rule 144A  Securities  were  issued,  the  Seller  hereby
certifies  the  following  facts:  Neither  the Seller nor anyone  acting on its
behalf has offered, transferred, pledged, sold or otherwise disposed of the Rule
144A  Securities,  any interest in the Rule 144A Securities or any other similar
security to, or solicited any offer to buy or accept a transfer, pledge or other
disposition  of  the  Rule  144A  Securities,  any  interest  in the  Rule  144A
Securities  or any other  similar  security  from,  or otherwise  approached  or
negotiated  with respect to the Rule 144A  Securities,  any interest in the Rule
144A Securities or any other similar security with, any person in any manner, or
made any general  solicitation  by means of general  advertising or in any other
manner,  or taken any other action,  that would constitute a distribution of the
Rule 144A  Securities  under the  Securities  Act of 1933, as amended (the "1933
Act"),  or that  would  render the  disposition  of the Rule 144A  Securities  a
violation of Section 5 of the 1933 Act or require registration pursuant thereto,
and that the Seller has not offered the Rule 144A Securities to any person other
than the Buyer or  another  "qualified  institutional  buyer" as defined in Rule
144A under the 1933 Act.

2. The Buyer  warrants and represents  to, and covenants  with, the Seller,  the
Trustee  and the Master  Servicer  (as  defined  in the  Pooling  and  Servicing
Agreement (the  "Agreement"),  dated as of ___________ 1, ____ among Residential
Funding  Corporation as Master  Servicer,  Residential  Accredit Loans,  Inc. as
depositor pursuant to Section 5.02 of the Agreement and  __________________,  as
trustee, as follows:

(a)     The  Buyer  understands  that the  Rule  144A  Securities  have not been
        registered under the 1933 Act or the securities laws of any state.

(b)     The Buyer considers  itself a substantial,  sophisticated  institutional
        investor  having such knowledge and experience in financial and business
        matters  that it is  capable  of  evaluating  the  merits  and  risks of
        investment in the Rule 144A Securities.
<PAGE>

(c)     The Buyer has been  furnished  with all  information  regarding the Rule
        144A  Securities  that it has requested from the Seller,  the Trustee or
        the Servicer.

(d)  Neither the Buyer nor anyone acting on its behalf has offered, transferred,
     pledged,  sold or  otherwise  disposed  of the Rule  144A  Securities,  any
     interest in the Rule 144A  Securities or any other similar  security to, or
     solicited  any  offer  to  buy  or  accept  a  transfer,  pledge  or  other
     disposition  of the Rule 144A  Securities,  any  interest  in the Rule 144A
     Securities or any other similar  security from, or otherwise  approached or
     negotiated  with respect to the Rule 144A  Securities,  any interest in the
     Rule 144A Securities or any other similar  security with, any person in any
     manner, or made any general solicitation by means of general advertising or
     in any other  manner,  or taken any other action,  that would  constitute a
     distribution of the Rule 144A  Securities  under the 1933 Act or that would
     render the disposition of the Rule 144A Securities a violation of Section 5
     of the 1933 Act or require registration  pursuant thereto, nor will it act,
     nor has it  authorized  or will it  authorize  any  person to act,  in such
     manner with respect to the Rule 144A Securities.

(e)  The Buyer is a "qualified  institutional  buyer" as that term is defined in
     Rule  144A  under  the 1933 Act and has  completed  either  of the forms of
     certification  to that  effect  attached  hereto as Annex 1 or Annex 2. The
     Buyer is aware that the sale to it is being made in  reliance on Rule 144A.
     The Buyer is acquiring the Rule 144A  Securities for its own account or the
     accounts of other qualified  institutional  buyers,  understands  that such
     Rule 144A  Securities may be resold,  pledged or transferred  only (i) to a
     person  reasonably  believed  to be a  qualified  institutional  buyer that
     purchases   for  its  own  account  or  for  the  account  of  a  qualified
     institutional  buyer to whom  notice is given  that the  resale,  pledge or
     transfer  is being made in  reliance  on Rule  144A,  or (ii)  pursuant  to
     another exemption from registration under the 1933 Act.

               [3.    The Buyer

(a)     is not an  employee  benefit  or other plan  subject  to the  prohibited
        transaction provisions of the Employee Retirement Income Security Act of
        1974, as amended ("ERISA"), or Section 4975 of the Internal Revenue Code
        of 1986,  as amended  (a  "Plan"),  or any other  person  (including  an
        investment  manager, a named fiduciary or a trustee of any Plan) acting,
        directly or indirectly,  on behalf of or purchasing any Certificate with
        "plan assets" of any Plan within the meaning of the  Department of Labor
        ("DOL") regulation at 29 C.F.R. ss. 2510.3-101; or

(b)     is an  insurance  company,  the  source  of  funds  to be  used by it to
        purchase the  Certificates  is an "insurance  company  general  account"
        (within  the  meaning  of DOL  Prohibited  Transaction  Class  Exemption
        ("PTCE")  95-60),  and the  purchase is being made in reliance  upon the
        availability  of the exemptive  relief afforded under Sections I and III
        of PTCE 95-60.]

               4. This document may be executed in one or more  counterparts and
        by the different parties hereto on separate counterparts, each of which,
        when so executed,  shall be deemed to be an original; such counterparts,
        together, shall constitute one and the same document.
<PAGE>

               IN  WITNESS  WHEREOF,  each  of the  parties  has  executed  this
document as of the date set forth below.

Print Name of Seller                              Print Name of Buyer
By:                                               By:
   ------------------------------------------
   Name:                                             Name:
   Title:                                            Title:
Taxpayer Identification                           Taxpayer Identification:
No.                                               No:
   ------------------------------------------
Date:                                             Date:
     ----------------------------------------

<PAGE>

                              ANNEX 1 TO EXHIBIT J

            QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

             [For Buyers Other Than Registered Investment Companies]

               The  undersigned  hereby  certifies as follows in connection with
the Rule 144A Investment Representation to which this Certification is attached:

1. As  indicated  below,  the  undersigned  is the  President,  Chief  Financial
Officer, Senior Vice President or other executive officer of the Buyer.

2. In  connection  with  purchases  by the  Buyer,  the  Buyer  is a  "qualified
institutional  buyer" as that term is defined in Rule 144A under the  Securities
Act of 1933  ("Rule  144A")  because (i) the Buyer  owned  and/or  invested on a
discretionary basis $ in securities (except for the excluded securities referred
to below) as of the end of the  Buyer's  most recent  fiscal  year (such  amount
being  calculated in accordance with Rule 144A) and (ii) the Buyer satisfies the
criteria in the category marked below.

--   Corporation,  etc. The Buyer is a corporation  (other than a bank,  savings
     and loan  association  or similar  institution),  Massachusetts  or similar
     business  trust,  partnership,  or  charitable  organization  described  in
     Section 501(c)(3) of the Internal Revenue Code.

--   Bank.  The Buyer (a) is a national  bank or banking  institution  organized
     under the laws of any State,  territory or the  District of  Columbia,  the
     business of which is substantially confined to banking and is supervised by
     the State or  territorial  banking  commission or similar  official or is a
     foreign bank or equivalent institution, and (b) has an audited net worth of
     at  least  $25,000,000  as  demonstrated  in its  latest  annual  financial
     statements, a copy of which is attached hereto.

--   Savings and Loan. The Buyer (a) is a savings and loan association, building
     and loan association,  cooperative bank,  homestead  association or similar
     institution,  which  is  supervised  and  examined  by a State  or  Federal
     authority  having  supervision  over any such  institutions or is a foreign
     savings  and loan  association  or  equivalent  institution  and (b) has an
     audited net worth of at least  $25,000,000  as  demonstrated  in its latest
     annual financial statements.

--   Broker-Dealer.  The Buyer is a dealer registered  pursuant to Section 15 of
     the Securities Exchange Act of 1934.

--   Insurance  Company.  The Buyer is an insurance  company  whose  primary and
     predominant business activity is the writing of insurance or the reinsuring
     of risks  underwritten  by  insurance  companies  and which is  subject  to
     supervision by the insurance  commissioner or a similar  official or agency
     of a State or territory or the District of Columbia.
<PAGE>

--   State or Local Plan.  The Buyer is a plan  established  and maintained by a
     State, its political subdivisions,  or any agency or instrumentality of the
     State or its political subdivisions, for the benefit of its employees.

--   ERISA  Plan.  The Buyer is an employee  benefit  plan within the meaning of
     Title I of the Employee Retirement Income Security Act of 1974.

--   Investment Adviser. The Buyer is an investment adviser registered under the
     Investment Advisers Act of 1940.

--   SBIC. The Buyer is a Small Business Investment Company licensed by the U.S.
     Small  Business  Administration  under  Section  301(c) or (d) of the Small
     Business Investment Act of 1958.

--   Business  Development  Company. The Buyer is a business development company
     as defined in Section 202(a)(22) of the Investment Advisers Act of 1940.

--   Trust  Fund.  The Buyer is a trust  fund  whose  trustee is a bank or trust
     company and whose  participants  are exclusively (a) plans  established and
     maintained  by a  State,  its  political  subdivisions,  or any  agency  or
     instrumentality of the State or its political subdivisions, for the benefit
     of its employees, or (b) employee benefit plans within the meaning of Title
     I of the Employee  Retirement  Income  Security  Act of 1974,  but is not a
     trust fund that includes as participants  individual retirement accounts or
     H.R. 10 plans.

3. The term  "securities"  as used herein does not  include  (i)  securities  of
issuers that are affiliated with the Buyer,  (ii) securities that are part of an
unsold  allotment  to or  subscription  by the Buyer,  if the Buyer is a dealer,
(iii) bank deposit notes and certificates of deposit,  (iv) loan participations,
(v) repurchase  agreements,  (vi)  securities  owned but subject to a repurchase
agreement and (vii) currency, interest rate and commodity swaps.

4. For purposes of determining the aggregate  amount of securities  owned and/or
invested on a discretionary  basis by the Buyer, the Buyer used the cost of such
securities to the Buyer and did not include any of the securities referred to in
the preceding  paragraph.  Further,  in determining such aggregate  amount,  the
Buyer may have included  securities owned by subsidiaries of the Buyer, but only
if such subsidiaries are consolidated with the Buyer in its financial statements
prepared in accordance with generally accepted accounting  principles and if the
investments  of such  subsidiaries  are  managed  under the  Buyer's  direction.
However,  such  securities  were not included if the Buyer is a  majority-owned,
consolidated  subsidiary  of  another  enterprise  and the Buyer is not itself a
reporting company under the Securities Exchange Act of 1934.

5. The Buyer  acknowledges  that it is familiar  with Rule 144A and  understands
that the seller to it and other parties related to the  Certificates are relying
and will  continue to rely on the  statements  made  herein  because one or more
sales to the Buyer may be in reliance on Rule 144A.
<PAGE>

                           Will the Buyer be purchasing the Rule 144A
Yes           No           Securities only for the Buyer's own account?

6. If the answer to the  foregoing  question is "no",  the Buyer agrees that, in
connection  with any purchase of securities sold to the Buyer for the account of
a third party  (including  any separate  account) in reliance on Rule 144A,  the
Buyer will only  purchase for the account of a third party that at the time is a
"qualified  institutional  buyer"  within the meaning of Rule 144A. In addition,
the Buyer agrees that the Buyer will not purchase  securities  for a third party
unless the Buyer has  obtained a current  representation  letter from such third
party or taken other  appropriate  steps  contemplated  by Rule 144A to conclude
that  such  third  party   independently  meets  the  definition  of  "qualified
institutional buyer" set forth in Rule 144A.

7. The Buyer will notify each of the parties to which this certification is made
of any changes in the information and conclusions  herein.  Until such notice is
given,   the  Buyer's  purchase  of  Rule  144A  Securities  will  constitute  a
reaffirmation of this certification as of the date of such purchase.

                               Print Name of Buyer

                                            By:
                                                 -------------------------------
                                      Name:
                                     Title:

                                            Date:
                                                 -------------------------------

<PAGE>

                              ANNEX 2 TO EXHIBIT J

            QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

              [For Buyers That Are Registered Investment Companies]

               The  undersigned  hereby  certifies as follows in connection with
the Rule 144A Investment Representation to which this Certification is attached:

8. As indicated below, the undersigned is the President, Chief Financial Officer
or  Senior  Vice  President  of the  Buyer  or,  if the  Buyer  is a  "qualified
institutional  buyer" as that term is defined in Rule 144A under the  Securities
Act of 1933  ("Rule  144A")  because  Buyer  is part of a Family  of  Investment
Companies (as defined below), is such an officer of the Adviser.

9.  In  connection   with  purchases  by  Buyer,   the  Buyer  is  a  "qualified
institutional  buyer" as  defined in SEC Rule 144A  because  (i) the Buyer is an
investment company registered under the Investment Company Act of 1940, and (ii)
as marked below, the Buyer alone, or the Buyer's Family of Investment Companies,
owned at least  $100,000,000 in securities  (other than the excluded  securities
referred to below) as of the end of the Buyer's  most recent  fiscal  year.  For
purposes  of  determining  the  amount of  securities  owned by the Buyer or the
Buyer's Family of Investment Companies, the cost of such securities was used.

--             The  Buyer  owned  $  in  securities  (other  than  the  excluded
               securities  referred to below) as of the end of the Buyer's  most
               recent  fiscal year (such amount being  calculated  in accordance
               with Rule 144A).

--             The Buyer is part of a Family of Investment Companies which owned
               in  the  aggregate  $ in  securities  (other  than  the  excluded
               securities  referred to below) as of the end of the Buyer's  most
               recent  fiscal year (such amount being  calculated  in accordance
               with Rule 144A).

10. The term "Family of  Investment  Companies" as used herein means two or more
registered   investment  companies  (or  series  thereof)  that  have  the  same
investment  adviser or  investment  advisers that are  affiliated  (by virtue of
being majority owned  subsidiaries  of the same parent or because one investment
adviser is a majority owned subsidiary of the other).

11. The term  "securities"  as used herein does not  include (i)  securities  of
issuers that are affiliated  with the Buyer or are part of the Buyer's Family of
Investment Companies, (ii) bank deposit notes and certificates of deposit, (iii)
loan  participations,  (iv)  repurchase  agreements,  (v)  securities  owned but
subject to a repurchase agreement and (vi) currency, interest rate and commodity
swaps.

12.  The  Buyer is  familiar  with Rule  144A and  understands  that each of the
parties to which this  certification  is made are relying  and will  continue to
rely on the  statements  made herein because one or more sales to the Buyer will
be in reliance on Rule 144A.  In addition,  the Buyer will only purchase for the
Buyer's own account.
<PAGE>

13. The undersigned will notify each of the parties to which this  certification
is made of any changes in the  information and  conclusions  herein.  Until such
notice,  the  Buyer's  purchase  of  Rule  144A  Securities  will  constitute  a
reaffirmation  of this  certification  by the undersigned as of the date of such
purchase.

                               Print Name of Buyer

                                            By:
                                                 -------------------------------
                                                 Name:
                                                      --------------------------
                                                 Title:
                                                       -------------------------

                                            IF AN ADVISER:

                               Print Name of Buyer

                                            Date:
                                                 -------------------------------

<PAGE>

                                    EXHIBIT K

                   [TEXT OF AMENDMENT TO POOLING AND SERVICING
                  AGREEMENT PURSUANT TO SECTION 11.01(E) FOR A
                                LIMITED GUARANTY]

                                   ARTICLE XII

             Subordinate Certificate Loss Coverage; Limited Guaranty

               Section 12.01.  Subordinate  Certificate  Loss Coverage;  Limited
Guaranty.  (a) Subject to subsection (c) below,  prior to the later of the third
Business Day prior to each Distribution Date or the related  Determination Date,
the Master  Servicer  shall  determine  whether it or any  Sub-Servicer  will be
entitled to any  reimbursement  pursuant to Section 4.02(a) on such Distribution
Date for Advances or Sub-Servicer  Advances  previously made, (which will not be
Advances or Sub-Servicer  Advances that were made with respect to  delinquencies
which were  subsequently  determined to be Excess Special Hazard Losses,  Excess
Fraud Losses,  Excess Bankruptcy Losses or Extraordinary Losses) and, if so, the
Master Servicer shall demand payment from Residential Funding of an amount equal
to the amount of any Advances or Sub-Servicer  Advances  reimbursed  pursuant to
Section 4.02(a),  to the extent such Advances or Sub-Servicer  Advances have not
been included in the amount of the Realized Loss in the related  Mortgage  Loan,
and  shall  distribute  the same to the Class B  Certificateholders  in the same
manner as if such amount were to be distributed pursuant to Section 4.02(a).

               (b) Subject to  subsection  (c) below,  prior to the later of the
third Business Day prior to each Distribution Date or the related  Determination
Date, the Master  Servicer shall  determine  whether any Realized  Losses (other
than Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses
and Extraordinary  Losses) will be allocated to the Class B Certificates on such
Distribution  Date  pursuant to Section  4.05,  and, if so, the Master  Servicer
shall demand  payment from  Residential  Funding of the amount of such  Realized
Loss and shall distribute the same to the Class B Certificateholders in the same
manner as if such amount  were to be  distributed  pursuant to Section  4.02(a);
provided, however, that the amount of such demand in respect of any Distribution
Date shall in no event be greater than the sum of (i) the  additional  amount of
Accrued  Certificate  Interest  that  would  have  been  paid  for  the  Class B
Certificateholders  on such  Distribution  Date had such Realized Loss or Losses
not occurred plus (ii) the amount of the reduction in the Certificate  Principal
Balances  of the  Class B  Certificates  on such  Distribution  Date due to such
Realized  Loss or Losses.  Notwithstanding  such payment,  such Realized  Losses
shall be deemed to have been borne by the  Certificateholders  for  purposes  of
Section  4.05.  Excess  Special  Hazard  Losses,  Excess  Fraud  Losses,  Excess
Bankruptcy Losses and Extraordinary Losses allocated to the Class B Certificates
will not be covered by the Subordinate Certificate Loss Obligation.

               (c) Demands for payments  pursuant to this Section  shall be made
prior to the later of the third Business Day prior to each  Distribution Date or
the  related  Determination  Date by the Master  Servicer  with  written  notice
thereof to the Trustee.  The maximum  amount that  Residential  Funding shall be
required to pay pursuant to this Section on any  Distribution  Date (the "Amount

<PAGE>

Available")  shall  be  equal  to the  lesser  of (X)  minus  the sum of (i) all
previous  payments made under  subsections (a) and (b) hereof and (ii) all draws
under the Limited  Guaranty made in lieu of such payments as described  below in
subsection (d) and (Y) the then outstanding  Certificate  Principal  Balances of
the Class B Certificates, or such lower amount as may be established pursuant to
Section 12.02.  Residential  Funding's  obligations as described in this Section
are referred to herein as the "Subordinate Certificate Loss Obligation."

               (d) The Trustee will promptly  notify General  Motors  Acceptance
Corporation of any failure of Residential Funding to make any payments hereunder
and  shall  demand  payment  pursuant  to the  limited  guaranty  (the  "Limited
Guaranty"),  executed by General Motors Acceptance  Corporation,  of Residential
Funding's  obligation  to make payments  pursuant to this Section,  in an amount
equal to the lesser of (i) the Amount Available and (ii) such required payments,
by  delivering to General  Motors  Acceptance  Corporation a written  demand for
payment by wire  transfer,  not later than the second  Business Day prior to the
Distribution Date for such month, with a copy to the Master Servicer.

               (e) All payments  made by  Residential  Funding  pursuant to this
Section or amounts paid under the Limited  Guaranty shall be deposited  directly
in the Certificate  Account,  for distribution on the Distribution Date for such
month to the Class B Certificateholders.

               (f) The Company shall have the option, in its sole discretion, to
substitute  for  either  or  both of the  Limited  Guaranty  or the  Subordinate
Certificate  Loss  Obligation  another  instrument  in the  form of a  corporate
guaranty,  an irrevocable  letter of credit, a surety bond,  insurance policy or
similar  instrument  or a reserve fund;  provided  that (i) the Company  obtains
(subject to the provisions of Section 10.01(f) as if the Company was substituted
for the Master Servicer solely for the purposes of such provision) an Opinion of
Counsel (which need not be an opinion of Independent counsel) to the effect that
obtaining such  substitute  corporate  guaranty,  irrevocable  letter of credit,
surety bond,  insurance  policy or similar  instrument  or reserve fund will not
cause  either (a) any  federal  tax to be imposed on the Trust  Fund,  including
without limitation,  any federal tax imposed on "prohibited  transactions" under
Section  860(F)(a)(1) of the Code or on  "contributions  after the startup date"
under Section  860(G)(d)(1) of the Code or (b) the Trust Fund to fail to qualify
as a REMIC at any time that any  Certificate  is  outstanding,  and (ii) no such
substitution  shall  be made  unless  (A) the  substitute  Limited  Guaranty  or
Subordinate  Certificate  Loss Obligation is for an initial amount not less than
the then  current  Amount  Available  and  contains  provisions  that are in all
material  respects  equivalent to the original  Limited  Guaranty or Subordinate
Certificate   Loss   Obligation   (including   that  no  portion  of  the  fees,
reimbursements  or other  obligations under any such instrument will be borne by
the Trust  Fund),  (B) the long  term debt  obligations  of any  obligor  of any
substitute  Limited Guaranty or Subordinate  Certificate Loss Obligation (if not
supported by the Limited Guaranty) shall be rated at least the lesser of (a) the
rating  of  the  long  term  debt  obligations  of  General  Motors   Acceptance
Corporation  as of the date of  issuance  of the  Limited  Guaranty  and (b) the
rating  of  the  long  term  debt  obligations  of  General  Motors   Acceptance
Corporation at the date of such substitution and (C) the Company obtains written
confirmation from each nationally recognized credit rating agency that rated the
Class B Certificates at the request of the Company that such substitution  shall
not lower the  rating on the Class B  Certificates  below the  lesser of (a) the
then-current  rating  assigned to the Class B Certificates by such rating agency
and (b) the original  rating assigned to the Class B Certificates by such rating

<PAGE>

agency. Any replacement of the Limited Guaranty or Subordinate  Certificate Loss
Obligation pursuant to this Section shall be accompanied by a written Opinion of
Counsel to the substitute guarantor or obligor, addressed to the Master Servicer
and the Trustee, that such substitute instrument  constitutes a legal, valid and
binding  obligation  of the  substitute  guarantor  or obligor,  enforceable  in
accordance  with its terms,  and  concerning  such  other  matters as the Master
Servicer and the Trustee  shall  reasonably  request.  Neither the Company,  the
Master  Servicer nor the Trustee shall be obligated to substitute for or replace
the Limited  Guaranty  or  Subordinate  Certificate  Loss  Obligation  under any
circumstance.

               Section  12.02.  Amendments  Relating  to the  Limited  Guaranty.
Notwithstanding  Sections 11.01 or 12.01: (i) the provisions of this Article XII
may be amended,  superseded or deleted, (ii) the Limited Guaranty or Subordinate
Certificate Loss Obligation may be amended,  reduced or canceled,  and (iii) any
other  provision of this Agreement which is related or incidental to the matters
described  in this  Article  XII may be amended in any  manner;  in each case by
written  instrument  executed or  consented  to by the  Company and  Residential
Funding but without the consent of any Certificateholder and without the consent
of the Master  Servicer or the Trustee being required  unless any such amendment
would impose any  additional  obligation on, or otherwise  adversely  affect the
interests of, the Master Servicer or the Trustee,  as applicable;  provided that
the Company shall also obtain a letter from each  nationally  recognized  credit
rating agency that rated the Class B Certificates  at the request of the Company
to the effect that such amendment,  reduction, deletion or cancellation will not
lower  the  rating  on the  Class B  Certificates  below  the  lesser of (a) the
then-current  rating  assigned to the Class B Certificates by such rating agency
and (b) the original  rating assigned to the Class B Certificates by such rating
agency, unless (A) the Holder of 100% of the Class B Certificates is Residential
Funding  or  an  Affiliate  of  Residential  Funding,  or  (B)  such  amendment,
reduction,  deletion or cancellation is made in accordance with Section 11.01(e)
and,  provided  further that the Company  obtains  (subject to the provisions of
Section  10.01(f)  as if the  Company was  substituted  for the Master  Servicer
solely for the purposes of such provision),  in the case of a material amendment
or  supercession  (but not a reduction,  cancellation or deletion of the Limited
Guaranty or the Subordinate Certificate Loss Obligation),  an Opinion of Counsel
(which  need not be an opinion of  Independent  counsel)  to the effect that any
such amendment or  supercession  will not cause either (a) any federal tax to be
imposed on the Trust Fund, including without limitation, any federal tax imposed
on  "prohibited  transactions"  under  Section  860F(a)(1)  of  the  Code  or on
"contributions  after the startup date" under Section  860G(d)(1) of the Code or
(b) the  Trust  Fund to  fail  to  qualify  as a  REMIC  at any  time  that  any
Certificate is outstanding.  A copy of any such instrument  shall be provided to
the Trustee and the Master  Servicer  together  with an Opinion of Counsel  that
such amendment complies with this Section 12.02.

<PAGE>

                                    EXHIBIT L

                           [FORM OF LIMITED GUARANTY]

                                LIMITED GUARANTY

                        RESIDENTIAL ACCREDIT LOANS, INC.

                 Mortgage Asset-Backed Pass-Through Certificates
                                 Series ____-___

                                                            , 200
                                                ------------     ----

==================
------------------

Attention:  Residential Funding Corporation Series ____-___

Ladies and Gentlemen:

               WHEREAS,  Residential Funding Corporation, a Delaware corporation
("Residential  Funding"),  an indirect wholly-owned subsidiary of General Motors
Acceptance Corporation,  a New York corporation ("GMAC"), plans to incur certain
obligations  as  described  under  Section  12.01 of the Pooling  and  Servicing
Agreement  dated as of ___________ 1, ____ (the  "Servicing  Agreement"),  among
Residential  Accredit  Loans,  Inc.  (the  "Company"),  Residential  Funding and
__________________ (the "Trustee") as amended by Amendment No. thereto, dated as
of , with respect to the Mortgage Asset-Backed Pass-Through Certificates, Series
____-___ (the "Certificates"); and

               WHEREAS,  pursuant to Section 12.01 of the  Servicing  Agreement,
Residential  Funding  agrees  to make  payments  to the  Holders  of the Class B
Certificates  with respect to certain  losses on the Mortgage Loans as described
in the Servicing Agreement; and

               WHEREAS,  GMAC desires to provide certain assurances with respect
to the ability of Residential  Funding to secure sufficient funds and faithfully
to perform its Subordinate Certificate Loss Obligation;

               NOW THEREFORE,  in consideration of the premises herein contained
and  certain  other good and  valuable  consideration,  the  receipt of which is
hereby acknowledged, GMAC agrees as follows:

1.  Provision  of  Funds.  (a) GMAC  agrees to  contribute  and  deposit  in the
Certificate  Account on behalf of Residential  Funding (or otherwise  provide to
Residential  Funding, or to cause to be made available to Residential  Funding),
either  directly  or  through a  subsidiary,  in any case  prior to the  related
Distribution  Date,  such moneys as may be required  by  Residential  Funding to
perform its Subordinate  Certificate Loss Obligation when and as the same arises
from time to time upon the demand of the  Trustee  in  accordance  with  Section
12.01 of the Servicing Agreement.

<PAGE>

               (b) The agreement set forth in the preceding  clause (a) shall be
absolute,  irrevocable  and  unconditional  and  shall  not be  affected  by the
transfer by GMAC or any other person of all or any part of its or their interest
in Residential  Funding,  by any  insolvency,  bankruptcy,  dissolution or other
proceeding affecting  Residential Funding or any other person, by any defense or
right of  counterclaim,  set-off  or  recoupment  that  GMAC  may  have  against
Residential  Funding or any other  person or by any other fact or  circumstance.
Notwithstanding  the  foregoing,  GMAC's  obligations  under  clause  (a)  shall
terminate  upon  the  earlier  of (x)  substitution  for this  Limited  Guaranty
pursuant to Section 12.01(f) of the Servicing Agreement,  or (y) the termination
of the Trust Fund pursuant to the Servicing Agreement.

2. Waiver.  GMAC hereby  waives any failure or delay on the part of  Residential
Funding, the Trustee or any other person in asserting or enforcing any rights or
in making any claims or demands hereunder.  Any defective or partial exercise of
any such rights shall not preclude any other or further  exercise of that or any
other such right.  GMAC further waives demand,  presentment,  notice of default,
protest, notice of acceptance and any other notices with respect to this Limited
Guaranty,  including,  without  limitation,  those of action or nonaction on the
part of Residential Funding or the Trustee.

3.  Modification,  Amendment  and  Termination.  This  Limited  Guaranty  may be
modified,  amended or terminated  only by the written  agreement of GMAC and the
Trustee and only if such  modification,  amendment or  termination  is permitted
under Section 12.02 of the Servicing  Agreement.  The  obligations of GMAC under
this  Limited  Guaranty  shall  continue  and  remain  in  effect so long as the
Servicing  Agreement is not modified or amended in any way that might affect the
obligations  of GMAC under  this  Limited  Guaranty  without  the prior  written
consent of GMAC.

4.  Successor.  Except as otherwise  expressly  provided  herein,  the guarantee
herein set forth shall be binding upon GMAC and its respective successors.

5.  Governing  Law. This Limited  Guaranty  shall be governed by the laws of the
State of New York.

6.  Authorization  and Reliance.  GMAC  understands  that a copy of this Limited
Guaranty  shall be delivered to the Trustee in connection  with the execution of
Amendment  No. 1 to the  Servicing  Agreement  and GMAC  hereby  authorizes  the
Company  and the  Trustee  to rely on the  covenants  and  agreements  set forth
herein.

7.  Definitions.  Capitalized  terms used but not otherwise defined herein shall
have the meaning given them in the Servicing Agreement.

8.  Counterparts.  This  Limited  Guaranty  may be  executed  in any  number  of
counterparts,  each  of  which  shall  be  deemed  to be an  original  and  such
counterparts shall constitute but one and the same instrument.
<PAGE>

               IN WITNESS  WHEREOF,  GMAC has caused this Limited Guaranty to be
executed and delivered by its respective  officers  thereunto duly authorized as
of the day and year first above written.

                                            GENERAL MOTORS ACCEPTANCE
                                            CORPORATION

                                            By:
                                               --------------------------------
                                            Name:
                                                 ------------------------------
                                            Title:
                                                  -----------------------------

Acknowledged by:

------------------,
    as Trustee

By:
   ------------------------------------------------
Name:
     ----------------------------------------------
Title:
      ---------------------------------------------

RESIDENTIAL ACCREDIT LOANS, INC.

By:
   ------------------------------------------------
Name:
     ----------------------------------------------
Title:
      ---------------------------------------------

<PAGE>

                                    EXHIBIT M

          FORM OF LENDER CERTIFICATION FOR ASSIGNMENT OF MORTGAGE LOAN

                                                            , 20
                                                   ---------    --------

Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, Minnesota  55437

==================
------------------

Attention:  Residential Funding Corporation Series ____-___

               Re:    Mortgage Asset-Backed Pass-Through Certificates, Series
                                                                       -------
                      ____-___ Assignment of Mortgage Loan

Ladies and Gentlemen:

     This letter is delivered to you in connection  with the  assignment by (the
"Trustee")  to (the  "Lender")  of (the  "Mortgage  Loan")  pursuant  to Section
3.13(d) of the Pooling and  Servicing  Agreement  (the  "Pooling  and  Servicing
Agreement"),  dated as of ___________ 1, ____ among Residential  Accredit Loans,
Inc., as seller (the  "Company"),  Residential  Funding  Corporation,  as master
servicer, and the Trustee. All terms used herein and not otherwise defined shall
have the meanings set forth in the Pooling and Servicing  Agreement.  The Lender
hereby  certifies,  represents  and warrants to, and covenants  with, the Master
Servicer and the Trustee that:

(i) the Mortgage Loan is secured by Mortgaged Property located in a jurisdiction
in which an  assignment  in lieu of  satisfaction  is required to preserve  lien
priority,  minimize or avoid mortgage  recording taxes or otherwise comply with,
or facilitate a refinancing under, the laws of such jurisdiction;

(ii) the substance of the assignment is, and is intended to be, a refinancing of
such Mortgage Loan and the form of the  transaction is solely to comply with, or
facilitate the transaction under, such local laws;

(iii) the Mortgage Loan  following the proposed  assignment  will be modified to
have a rate of  interest  at least  0.25  percent  below  or  above  the rate of
interest on such Mortgage Loan prior to such proposed assignment; and

(iv) such  assignment  is at the  request  of the  borrower  under  the  related
     Mortgage Loan.

                                Very truly yours,

                                            (Lender)

                                            By:
                                               ---------------------------------
                                            Name:
                                                 -------------------------------
                                            Title:
                                                  ------------------------------

<PAGE>

                                               1

                                    EXHIBIT N

                          FORM OF REQUEST FOR EXCHANGE

                                             [DATE]

==================
------------------

               Re:    Residential Accredit Loans, Inc.,
                      Mortgage Asset-Backed Pass-Through Certificates,
                      Series ____-___

               Residential Funding Corporation,  as the Holder of a % Percentage
Interest of the [Interest Only/Class A-V][-1] Certificates,  hereby requests the
Trustee  to  exchange  the  above-referenced  Certificates  for  the  Subclasses
referred to below:

1.   [Interest  Only/Class  A-V]-  Certificates,  corresponding to the following
     Uncertificated REMIC Regular Interests:  [List numbers corresponding to the
     related  loans and Pool Strip Rates from the Mortgage Loan  Schedule].  The
     initial Subclass  Notional Amount and the Initial  Pass-Through Rate on the
     [Interest Only/Class A-V]- Certificates will be $ and %, respectively.

2.      [Repeat as appropriate.]

               The  Subclasses  requested  above will represent in the aggregate
all of the Uncertificated  REMIC Regular Interests  represented by the [Interest
Only/Class A-V][-1] Certificates surrendered for exchange.

               All capitalized  terms used but not defined herein shall have the
meanings  set  forth  in  the  Pooling  and  Servicing  Agreement,  dated  as of
___________ 1, ____, among Residential Accredit Loans, Inc., Residential Funding
Corporation and __________________, as trustee.

                                            RESIDENTIAL FUNDING CORPORATION

                                            By:
                                               ---------------------------------
                                            Name:
                                            Title:

<PAGE>

<PAGE>

                                  EXHIBIT FIVE

 AGGREGATE PLANNED PRINCIPAL BALANCES AND AGGREGATE TARGETED PRINCIPAL BALANCES

<TABLE>
<CAPTION>

                                             AGGREGATE PLANNED       AGGREGATE TARGETED
                                          PRINCIPAL BALANCES FOR   PRINCIPAL BALANCES FOR
                                          ----------------------- CLASS A-11 CERTIFICATES
                                          CLASS A-4 CERTIFICATES       AND CLASS A-12
                                               AND CLASS A-6            CERTIFICATES
        DISTRIBUTION DATE                      CERTIFICATES

<S>                                               <C>                       <C>
        Initial Balance.................          $114,998,000.00           $57,786,000.00
        February 2003...................           113,467,221.70            57,765,338.68
        March 2003......................           111,947,332.80            57,744,578.36
        April 2003......................           110,438,340.70            57,626,282.76
        May 2003........................           108,940,170.40            57,192,519.97
        June 2003.......................           107,452,747.00            56,573,705.10
        July 2003.......................           105,975,996.50            55,773,739.85
        August 2003 ....................           104,509,845.30            54,797,033.25
        September 2003..................           103,054,220.10            53,648,491.20
        October 2003....................           101,609,048.40            52,333,503.63
        November 2003...................           100,174,258.10            50,857,929.05
        December 2003...................            98,749,777.64            49,228,076.77
        January 2004....................            97,335,535.87            47,639,651.63
        February 2004...................            95,931,462.22            46,091,855.89
        March 2004......................            94,537,486.56            44,583,905.73
        April 2004......................            93,153,539.29            43,115,031.11
        May 2004........................            91,779,551.28            41,684,475.43
        June 2004.......................            90,415,453.87            40,291,495.41
        July 2004.......................            89,061,178.91            38,935,360.78
        August 2004 ....................            87,716,658.71            37,615,354.11
        September 2004..................            86,381,826.03            36,330,770.56
        October 2004....................            85,056,614.14            35,080,917.69
        November 2004...................            83,740,956.76            33,865,115.25
        December 2004...................            82,434,788.06            32,682,694.95
        January 2005....................            81,138,042.69            31,533,000.28
        February 2005...................            79,850,655.75            30,415,386.31
        March 2005......................            78,572,562.79            29,329,219.47
        April 2005......................            77,303,699.82            28,273,877.39
        May 2005........................            76,044,003.29            27,248,748.68
        June 2005.......................            74,793,410.09            26,253,232.77
        July 2005.......................            73,551,857.56            25,286,739.69
        August 2005 ....................            72,319,283.48            24,348,689.94
        September 2005..................            71,095,626.06            23,438,514.28
        October 2005....................            69,880,823.95            22,555,653.54
        November 2005...................            68,674,816.21            21,699,558.50
        December 2005...................            67,477,542.36            20,869,689.66
        January 2006....................            66,288,942.30            20,065,517.13
        February 2006...................            65,118,556.76            19,286,520.43
        March 2006......................            63,956,726.13            18,532,188.33
        April 2006......................            62,803,391.59            17,802,018.73
        May 2006........................            61,658,494.73            17,095,518.46
        June 2006.......................            60,521,977.55            16,412,203.15
        July 2006.......................            59,393,782.45            15,751,597.06
        August 2006 ....................            58,273,852.24            15,113,232.99
        September 2006..................            57,162,130.14            14,496,652.04
        October 2006....................            56,058,559.75            13,901,403.56
        November 2006...................            54,963,085.07            13,327,044.96
        December 2006...................            53,875,650.51            12,773,141.58
        January 2007....................            52,796,200.85            12,239,266.55

<PAGE>

        February 2007...................           $51,724,681.26           $11,725,000.67
        March 2007......................            50,661,037.30            11,229,932.29
        April 2007......................            49,605,214.91            10,753,657.12
        May 2007........................            48,557,160.41            10,295,778.21
        June 2007.......................            47,516,820.51             9,855,905.69
        July 2007.......................            46,484,142.26             9,433,656.79
        August 2007.....................            45,459,073.12             9,028,655.60
        September 2007..................            44,441,560.90             8,640,533.02
        October 2007....................            43,431,553.76             8,268,926.63
        November 2007...................            42,429,000.27             7,913,480.56
        December 2007...................            41,433,849.31             7,573,845.40
        January 2008....................            40,446,050.16             7,249,678.05
        February 2008...................            39,485,713.02             6,968,234.87
        March 2008......................            38,532,531.40             6,701,325.12
        April 2008......................            37,586,455.44             6,448,625.33
        May 2008........................            36,647,435.63             6,209,817.91
        June 2008.......................            35,715,422.80             5,984,591.09
        July 2008.......................            34,790,368.11             5,772,638.82
        August 2008.....................            33,872,223.07             5,573,660.62
        September 2008..................            32,960,939.54             5,387,361.56
        October 2008....................            32,056,469.70             5,213,452.08
        November 2008...................            31,158,766.06             5,051,647.97
        December 2008...................            30,267,781.48             4,901,670.24
        January 2009....................            29,383,469.12             4,763,245.04
        February 2009...................            28,527,670.91             4,628,969.46
        March 2009......................            27,689,541.54             4,494,412.38
        April 2009......................            26,868,737.40             4,359,614.44
        May 2009........................            26,064,921.41             4,224,614.85
        June 2009.......................            25,277,762.90             4,089,451.45
        July 2009.......................            24,506,937.47             3,954,160.70
        August 2009.....................            23,752,126.92             3,818,777.73
        September 2009..................            23,013,019.06             3,683,336.40
        October 2009....................            22,289,307.67             3,547,869.31
        November 2009...................            21,580,692.35             3,412,407.84
        December 2009...................            20,886,878.41             3,276,982.18
        January 2010....................            20,207,576.79             3,141,621.38
        February 2010...................            19,572,071.52             3,003,562.15
        March 2010......................            18,949,879.32             2,865,736.73
        April 2010......................            18,340,736.75             2,728,168.30
        May 2010........................            17,744,385.44             2,590,879.04
        June 2010.......................            17,160,572.03             2,453,890.16
        July 2010.......................            16,589,048.03             2,317,221.95
        August 2010.....................            16,029,569.73             2,180,893.76
        September 2010..................            15,481,898.16             2,044,924.09
        October 2010....................            14,945,798.95             1,909,330.54
        November 2010...................            14,421,042.23             1,774,129.90
        December 2010...................            13,907,402.62             1,639,338.13
        January 2011....................            13,404,659.05             1,504,970.42
        February 2011...................            12,937,963.33             1,368,986.85
        March 2011......................            12,480,993.57             1,233,581.28
        April 2011......................            12,033,556.70             1,098,762.62
        May 2011........................            11,595,463.38               964,539.21
        June 2011.......................            11,166,527.97               830,918.78
        July 2011.......................            10,746,568.42               697,908.48

<PAGE>

        August 2011.....................           $10,335,406.27              $565,514.94
        September 2011..................             9,932,866.49               433,744.23
        October 2011....................             9,538,777.49               302,601.89
        November 2011...................             9,152,971.02               172,092.98
        December 2011...................             8,775,282.09                42,222.08
        January 2012....................             8,405,548.96                        0
        February 2012...................             8,064,388.24                        0
        March 2012......................             7,730,103.32                        0
        April 2012......................             7,402,562.15                        0
        May 2012........................             7,081,635.17                        0
        June 2012.......................             6,767,195.27                        0
        July 2012.......................             6,459,117.77                        0
        August 2012.....................             6,157,280.33                        0
        September 2012..................             5,861,562.94                        0
        October 2012....................             5,571,847.88                        0
        November 2012...................             5,288,019.65                        0
        December 2012...................             5,009,964.93                        0
        January 2013....................             4,737,572.59                        0
        February 2013...................             4,470,733.56                        0
        March 2013......................             4,209,340.89                        0
        April 2013......................             3,953,289.62                        0
        May 2013........................             3,702,476.80                        0
        June 2013.......................             3,456,801.45                        0
        July 2013.......................             3,216,164.49                        0
        August 2013.....................             2,980,468.72                        0
        September 2013..................             2,749,618.80                        0
        October 2013....................             2,523,521.21                        0
        November 2013...................             2,302,084.18                        0
        December 2013...................             2,085,217.72                        0
        January 2014....................             1,872,833.52                        0
        February 2014...................             1,664,844.97                        0
        March 2014......................             1,461,167.11                        0
        April 2014......................             1,261,716.58                        0
        May 2014........................             1,066,411.61                        0
        June 2014.......................               875,172.02                        0
        July 2014.......................               687,919.11                        0
        August 2014.....................               504,575.70                        0
        September 2014..................               325,066.09                        0
        October 2014....................               149,316.02                        0
        November 2014 and thereafter....                        0                        0

</TABLE>

<PAGE>

                                   EXHIBIT SIX

                CERTIFICATE POLICY OF MBIA INSURANCE CORPORATION

                                    [on file]

<PAGE>

                                  EXHIBIT SEVEN

                         FORM OF FORM 10-K CERTIFICATION

        I, [identify the certifying individual], certify that:

        1. I have  reviewed  the annual  report on Form 10-K for the fiscal year
[____], and all reports on Form 8-K containing distribution or servicing reports
filed in respect of periods  included in the year covered by that annual report,
of the trust (the  "Trust")  created  pursuant  to the Series  Supplement  dated
___________________  to the Standard  Terms of Pooling and  Servicing  Agreement
dated  ____________________  (together,  the "P&S Agreement")  among Residential
Accredit Loans,  Inc. (the  "Company"),  Residential  Funding  Corporation  (the
"Master Servicer") and [Name of Trustee] (the "Trustee");

        2. Based on my knowledge,  the information in these reports,  taken as a
whole, does 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 as of the
last day of the period covered by that annual report;

        3. Based on my  knowledge,  the  servicing  information  required  to be
provided  to the  Trustee  by the Master  Servicer  under the P&S  Agreement  is
included in these reports;

        4. I am responsible for reviewing the activities performed by the Master
Servicer  under the P&S Agreement and based upon the review  required  under the
P&S Agreement,  and, except as disclosed in the report,  the Master Servicer has
fulfilled its obligations under the P&S Agreement; and

        5. I have disclosed to the Company's  certified  public  accountants all
significant  deficiencies  relating to the Master Servicer's compliance with the
minimum servicing  standards in accordance with a review conducted in compliance
with the Uniform Single Attestation Program for Mortgage Bankers as set forth in
the P&S Agreement.

Date:_______________________

____________________________*
Name:
Title:

*    to be signed by the senior officer in charge of the servicing  functions of
     the Master Servicer

<PAGE>

                                  EXHIBIT EIGHT

            [FORM OF BACK-UP CERTIFICATION TO FORM 10-K CERTIFICATE]

          The undersigned,  a Responsible Officer of [_________] (the "Trustee")
     certifies that:

        (a) The Trustee has performed all of the duties specifically required to
be  performed  by it pursuant  to the  provisions  of the Pooling and  Servicing
Agreement  dated  as  of  [_________],  2003  (the  "Agreement")  by  and  among
[__________], as depositor, Residential Funding Corporation, as master servicer,
and the Trustee in accordance with the standards set forth therein.

        (b) Based on my  knowledge,  the  information  that is  provided  by the
Trustee  pursuant to Section  4.03(e)(I)  of the Agreement is accurate as of the
last day of the 20[ ] calendar year.

        Capitalized  terms used and not defined  herein  shall have the meanings
given such terms in the Agreement.

          IN  WITNESS  WHEREOF,  I have duly  executed  this  certificate  as of
     _________, 20__.]

                                                    Name:____________________
                                                    Title:___________________

<PAGE><PAGE>
                                                                    EXHIBIT 4.5
                                                                 EXECUTION COPY

                          REGISTRATION RIGHTS AGREEMENT

                          DATED AS OF DECEMBER 28, 2001

                                      AMONG

                           MOORE CORPORATION LIMITED,

                     THE GSC INVESTORS LISTED IN SCHEDULE A

                                       AND

                        CHANCERY LANE/GSC INVESTORS, L.P.

<PAGE>

                          REGISTRATION RIGHTS AGREEMENT

     REGISTRATION  RIGHTS AGREEMENT (the  "AGREEMENT")  dated as of December 28,
2001 among Moore Corporation Limited, a corporation  organized under the laws of
Ontario   ("MOORE"),   the  persons   listed  in  SCHEDULE  A  attached   hereto
(collectively,  the "GSC INVESTORS") and CHANCERY  LANE/GSC  INVESTORS,  L.P., a
Delaware limited partnership  ("CLGI" and, together with the GSC Investors,  the
"Investors"). Capitalized terms used herein but not defined when used shall have
the meanings ascribed to such terms in Section 1.

                                   WITNESSETH

     WHEREAS,  Moore and CLGI entered into a Debenture  Purchase Agreement dated
as of December 12, 2000 (the "DEBENTURE PURCHASE AGREEMENT");

     WHEREAS,  pursuant to the  Debenture  Purchase  Agreement,  on December 21,
2000, CLGI acquired from Moore 8.70% Subordinated  Convertible Debentures in the
original  aggregate  principal amount of $70,500,000 (the "DEBENTURES") that are
presently  convertible  into an  aggregate  of  21,692,307  Common  Shares  (the
"CONVERSION SHARES");

     WHEREAS, as contemplated under the Debenture Purchase Agreement,  Moore and
CLGI entered into a Registration  Rights Agreement dated as of December 21, 2000
(the "EXISTING  REGISTRATION  RIGHTS AGREEMENT")  covering the Conversion Shares
and certain related shares (the "EXISTING REGISTRABLE SECURITIES");

     WHEREAS,  concurrently  with the execution and delivery of this  Agreement,
Moore and CLGI are entering into that certain  Conversion  Inducement  Agreement
(the "CONVERSION INDUCEMENT AGREEMENT");

     WHEREAS, pursuant to the Conversion Inducement Agreement (i) the Debentures
have been  converted  in  accordance  with their terms and (ii) Moore has caused
Moore Holdings U.S.A. Inc., a Delaware  corporation and wholly-owned  subsidiary
of Moore  ("SUBCO"),  to issue to CLGI  1,650,000  shares of  Subco's  preferred
stock, no par value (the "SUBCO PREFERRED SHARES")

     WHEREAS,  pursuant to the Transfer  Agreement of even date herewith between
Moore  and the GSC  Investors,  the GSC  Investors  have  transferred  the Subco
Preferred  Shares (which were distributed by CLGI to the GSC Investors) to Moore
in exchange  for  1,650,000  Common  Shares (the  "INITIAL  SHARES") and Moore's
covenant and agreement to deliver certain additional consideration which may, at
the election of Moore, be in the form of additional  Common Shares issued to the
GSC  Investors  in  certain   circumstances  on  December  31,  2002  and  2003,
respectively (collectively, the "ADDITIONAL SHARES"); and

     WHEREAS,  in  addition  to the  registration  rights  set  forth  under the
Existing  Registration  Rights  Agreement,  Moore is providing the  registration
rights set forth in this Agreement.

<PAGE>

     NOW THEREFORE,  in  consideration  of the mutual covenants and undertakings
contained herein, and for other good and valuable consideration, the receipt and
sufficiency  of which are hereby  acknowledged,  and subject to and on the terms
and conditions herein set forth, the parties hereto agree to as follows:

1. DEFINITIONS.

     As used in this Agreement,  the following  capitalized terms shall have the
following meanings:

     "ADDITIONAL SHARES" shall have the meaning set forth in the Recitals.

     "AFFILIATE"  shall have the meaning set forth in Rule 405 of the Securities
Act.

     "BOARD" shall have the meaning set forth in Section 2(b) hereof.

     "CANADIAN FILING" shall mean either a Demand Filing to obtain a receipt for
a Canadian  Prospectus in Canada pursuant to Section 2(a) of this Agreement or a
Proposed Filing by Moore to file a Canadian Prospectus under Canadian Securities
Laws pursuant to Section 3(a) of this Agreement.

     "CANADIAN  PROSPECTUS"  shall  mean  the  prospectus  (including,   without
limitation and unless  otherwise  specified,  any  preliminary  prospectus,  any
preliminary shelf prospectus,  any final prospectus,  any final shelf prospectus
and  any  prospectus  that  discloses  information  previously  omitted  from  a
prospectus)  filed  under  Canadian  Securities  Laws with  Canadian  Regulatory
Authorities,  as  amended  or  supplemented  by  any  prospectus  supplement  or
amendment  with  respect  to the terms of the  offering  of any  portion of such
prospectus  and by all other  amendments  and  supplements  to such  prospectus,
including  all material  incorporated  by reference in such  prospectus  and all
documents  filed after the date of such  prospectus  by Moore under the Canadian
Securities Laws and incorporated by reference therein.

     "CANADIAN REGULATORY AUTHORITIES" shall mean, collectively,  the securities
regulatory authority in each of the Canadian provinces.

     "CANADIAN  SECURITIES  LAWS" shall mean the securities  laws,  regulations,
policies and rules in effect in all of the Canadian  provinces,  as the same may
be amended from time to time.

     "CLGI" shall have the meaning set forth in the Recitals.

     "COMMON  SHARES"  shall mean the shares of common stock,  no par value,  of
Moore.

     "CONVERSION  INDUCEMENT  AGREEMENT" shall have the meaning set forth in the
Recitals.

     "CONVERSION SHARES" shall have the meaning set forth in the Recitals.

     "DEBENTURE PURCHASE AGREEMENT" shall have the meaning set forth in the
Recitals.

                                      -2-

<PAGE>

     "DEBENTURES" shall have the meaning set forth in the Recitals.

     "DEMAND FILING" shall have the meaning set forth in Section 2(a) hereof.

     "DEMAND FILING  STATEMENT" shall have the meaning set forth in Section 2(a)
hereof.

     "EFFECTIVENESS  PERIOD"  shall have the meaning  set forth in Section  2(c)
hereof.

     "EFFECTIVE TIME" shall mean (i) in the case of a U.S.  Filing,  the date on
which the SEC  declares  a  Registration  Statement  effective  or on which such
Registration  Statement  otherwise  becomes  effective  or (ii) in the case of a
Canadian Filing, the date on which the last of the receipts for a final Canadian
Prospectus has been obtained from the Canadian Regulatory Authorities.

     "EXCHANGE ACT" shall mean the Securities Exchange Act of 1934, as amended.

     "EXISTING  REGISTRABLE  SECURITIES" shall have the meaning set forth in the
Recitals.

     "EXISTING  REGISTRATION  RIGHTS AGREEMENT" shall have the meaning set forth
in the Recitals.

     "GSC INVESTORS" shall have the meaning set forth in the Preamble.

     "INDEMNIFIED  PERSON"  shall have the  meaning  set forth in  Section  6(a)
hereof.

     "INITIAL SHARES" shall have the meaning set forth in the Recitals.

     "INVESTORS" shall have the meaning set forth in the Preamble.

     "MOORE" shall have the meaning set forth in the Preamble.

     "NASD RULES" shall mean the Rules of the National Association of Securities
Dealers, Inc., as amended from time to time.

     "PERSON" shall mean an individual,  partnership, limited liability company,
corporation,  trust or unincorporated organization, or a government or agency or
political subdivision thereof.

     "PIGGYBACK FILING" shall have the meaning set forth in Section 3(a) hereof.

     "PROPOSED FILING" shall have the meaning set forth in Section 3(a) hereof.

     "PROSPECTUS" shall mean either a U.S. Prospectus or a Canadian Prospectus.

     "QUALIFICATION" shall mean, in the context of Canadian Securities Laws, the
qualification  of trades in Subject Shares pursuant to a final  prospectus filed
with,  and in respect of which a

                                       -3-
<PAGE>

receipt  or  receipts  have  been  issued  in  respect  of such  prospectus  by,
applicable Canadian Regulatory Authorities.

     "QUALIFIED",  in respect of Subject Shares, shall mean the qualification of
such securities.

     "REGISTRATION  EXPENSES"  shall have the meaning set forth in Section  5(a)
hereof.

     "REGISTRATION  STATEMENT"  shall mean any  registration  statement of Moore
which covers Subject  Securities  pursuant to the provisions of this  Agreement,
including the U.S.  Prospectus,  amendments and supplements to such registration
statement,  including pre- and post-effective  amendments,  and all exhibits and
all material incorporated by reference in such registration statement.

     "RESTRICTED SECURITY" shall mean any security unless and until:

     (i)  a  registration  statement  with respect to the sale of such  security
          shall have been declared  effective  under the Securities Act and such
          security  shall  have  been  disposed  of  in  accordance   with  such
          registration statement,

     (ii) a receipt or receipts for a final Canadian  Prospectus with respect to
          the sale of such security shall have been obtained from all applicable
          Canadian Regulatory Authorities in accordance with Canadian Securities
          Laws and such security shall have been disposed of in accordance  with
          such prospectus,

    (iii) it is distributed  to the public  pursuant to Rule 144 (or any similar
          provision then in force) under the Securities Act, or

     (iv) such security  shall have been  otherwise  transferred  pursuant to an
          applicable  exemption under the Securities Act or Canadian  Securities
          Laws,  new  certificates  for  such  security  not  bearing  a  legend
          restricting  further  transfer  shall have been delivered by Moore and
          such  security  shall be freely  transferable  to the  public  without
          either (a) registration  under the Securities Act or (b) qualification
          under Canadian Securities Laws.

     "SECURITIES ACT" shall mean the Securities Act of 1933, as amended.

     "SEC" shall mean the Securities and Exchange Commission.

     "SHELF  REGISTRATION"  shall have the  meaning  set forth in  Section  2(a)
hereof.

     "SUBCO PREFERRED SHARES" shall have the meaning set forth in the Recitals.

     "SUBJECT  SECURITIES" shall mean the Conversion  Shares, the Initial Shares
and any  Additional  Shares issued to the GSC  Investors,  CLGI or any direct or
indirect permitted  transferee or distributee of such Persons from time to time,
including, without limitation, any

                                       -4-
<PAGE>

current  or former  partner  of CLGI (or,  in the case of any  current or former
partner of CLGI that is itself a partnership,  any partner of that partnership),
and any securities  issued in respect of or in exchange for such shares or other
Subject  Securities;  PROVIDED,  that a security ceases to be a Subject Security
when it is no longer a Restricted Security.

     "UNDERWRITTEN",  "UNDERWRITTEN  REGISTRATION",  "UNDERWRITTEN  OFFERING" or
"UNDERWRITTEN REGISTERED OFFERING" shall mean a registration in which securities
of Moore are sold to an underwriter for re-offering to the public pursuant to an
effective  Registration Statement and/or a final Canadian Prospectus for which a
receipt or receipts have been obtained from the applicable  Canadian  Regulatory
Authorities.

     "UNDERWRITTEN TAKEDOWN REQUEST" shall have the meaning set forth in Section
2(a) hereof.

     "U.S.  FILING"  shall mean  either a Demand  Filing to file a  registration
statement in the United States  pursuant to Section 2(a) of this  Agreement or a
Proposed  Filing by Moore to file a registration  statement under the Securities
Act pursuant to Section 3(a) of this Agreement.

     "U.S. PROSPECTUS" shall mean the prospectus (including, without limitation,
any  preliminary  prospectus,  any  final  prospectus  and any  prospectus  that
discloses  information  previously omitted from a prospectus filed as part of an
effective registration statement in reliance upon Rule 430A under the Securities
Act) included in a Registration  Statement,  as amended or  supplemented  by any
prospectus  supplement or amendment with respect to the terms of the offering of
any portion of the Subject Securities covered by such Registration Statement and
by all other  amendments  and  supplements  to such  prospectus,  including  all
material  incorporated  by reference in such  prospectus and all documents filed
after  the  date  of  such  prospectus  by  Moore  under  the  Exchange  Act and
incorporated by reference therein.

2. DEMAND FILINGS.

     (a) NOTICE.  In addition  to any  registration  rights they may have as set
forth under the Existing Registration Rights Agreement, the GSC Investors may at
any time  after  the date  hereof,  but on not more  than one  occasion,  make a
written  request  to Moore that  Moore at the GSC  Investors'  option (i) file a
registration  statement in the United States  registering for offer and sale all
or a part of its Subject Securities in the United States of America, including a
shelf  registration  pursuant  to Rule 415  under the  Securities  Act (a "SHELF
REGISTRATION")  if Moore is eligible to use such a registration or (ii) obtain a
receipt or receipts for a  preliminary  Canadian  Prospectus  in Canada from the
applicable  Canadian  Regulatory  Authorities,   including  a  shelf  prospectus
pursuant to National Instrument 44-102 (a "CANADIAN SHELF") if Moore is eligible
to use a  Canadian  Shelf  qualifying  the  offer and sale of all or part of its
Subject Securities in Canada, (in either case, a "DEMAND FILING STATEMENT"), or,
if requested in good faith by the GSC Investors,  in both jurisdictions,  having
an aggregate  public market  offering price of not less than U.S.$20 million (or
the Canadian dollar equivalent  thereof at such time based on the average of the
closing  market prices for the ten-day  trading  period prior to the date of the
request) in each case. By way of  clarification;  the parties hereto intend that
if a Shelf Registration  and/or a

                                       -5-
<PAGE>

Canadian Shelf is requested under this Section 2(a) or under Section 2(a) of the
Existing  Registration  Rights Agreement,  so long as such Shelf Registration or
Canadian Shelf shall remain  effective in accordance  with this Agreement or the
Existing  Registration  Rights Agreement,  as the case may be, then the right to
request one  registration  under this  Section 2(a) and the right to request any
registration  under Section 2(a) of the Existing  Registration  Rights Agreement
shall be deemed to entitle the parties  requesting such  registration to request
Moore to effect an  underwritten,  widely-distributed  "takedown"  of such Shelf
Registration  or Canadian  Shelf once  pursuant to this  Section  2(a) and twice
pursuant to Section  2(a) of the  Existing  Registration  Rights  Agreement  (an
"UNDERWRITTEN  TAKEDOWN  REQUEST").  In addition,  the parties  requesting  such
registration  also shall be  entitled  to request  Moore to effect an  unlimited
number of block trades (whether or not  underwritten) and an unlimited number of
non-underwritten  takedowns of such Shelf  Registration.  In any such case,  (i)
such  registration  must be made  with  the SEC  under  and in  accordance  with
provisions  of the  Securities  Act, and (ii) such  receipt or receipts  must be
obtained  from  all  of  the  applicable  Canadian  Regulatory   Authorities  in
accordance with Canadian  Securities  Laws (in either case, a "DEMAND  FILING").
All requests made pursuant to this paragraph will specify the proposed aggregate
number of the Subject  Securities  to be  registered  or qualified and will also
specify the intended methods of disposition thereof.

     (b)  RESTRICTIONS.  Each Demand Filing  Statement shall be filed as soon as
possible  but in no event later than 60 days  (subject  to the last  sentence of
this Section 2(b)) after the date the GSC Investors make the written request for
registration  and/or  qualification  under  the  preceding  paragraph.  The  GSC
Investors  shall not be permitted to make the written  request for  registration
and/or qualification under the preceding paragraph,  or an Underwritten Takedown
Request,  more than once in any  six-month  period and no sooner than six months
after the  completion of any prior demand  offering.  Without  limiting  Moore's
obligation to effect any Demand Filing or Underwritten Takedown Request pursuant
to this Section 2 and to pay for any and all  Registration  Expenses  associated
therewith (as provided in Section 5 hereof), a registration and/or qualification
or Underwritten  Takedown Request requested pursuant to this Section 2 shall not
be counted as a Demand Filing  Statement  for purposes of the first  sentence of
Section 2(a) if the GSC Investors have not been able to sell at least 50% of the
Subject  Securities  requested  to  be  included  in  such  registration  and/or
qualification or Underwritten  Takedown  Request.  In addition,  a Demand Filing
Statement  shall not be deemed to have been  effected (i) unless a  registration
statement  with  respect  thereto  has been  declared  effective  by the SEC and
remains  effective in compliance  with the  provisions of the  Securities Act or
unless a receipt  or  receipts  for a final  Canadian  Prospectus  with  respect
thereto has been issued by all applicable  Canadian  Regulatory  Authorities and
such prospectus  remains in compliance  with Canadian  Securities Laws until the
earlier of (x) such time as all of the Subject  Securities  covered thereby have
been  disposed  of  in  accordance  with  such  registration   statement  and/or
prospectus  and (y) in the case of any Shelf  Registration,  2 years (subject to
extension at the request of the GSC  Investors if all of the Subject  Securities
covered  thereby  have  not been  disposed  of in  accordance  with  such  Shelf
Registration) after the date on which the staff of the SEC has indicated that it
is satisfied with the  registration  statement and all responses to its comments
and that it is prepared upon the proper filing of a pricing amendment to declare
the  registration  statement  effective,  or in the case of a Canadian  Shelf, 2
years after the date on which a receipt or receipts for a final  Canadian  Shelf
have been issued by the applicable  Canadian  Regulatory  Authorities,  (ii) if,
after the registration statement with respect thereto has become effective, or

                                       -6-
<PAGE>

a receipt or receipts for such prospectus have been issued, such registration or
prospectus  is interfered  with by any stop order,  injunction or other order or
requirement of the SEC or other  governmental or regulatory  agency  including a
Canadian regulatory  authority or court for any reason other than a violation of
applicable law by the GSC Investors and has not thereafter  become  effective or
(iii) if, in the case of an  underwritten  offering,  the  conditions to closing
specified  in the  underwriting  agreement  to which  Moore  is a party  are not
satisfied, other than by reason of any breach or failure by the GSC Investors or
any other holder; PROVIDED, that if such demand occurs during a Black Out Period
(as defined below) or other period (not to exceed 90 days) during which Moore is
prohibited  or  restricted  from filing a  registration  statement or a Canadian
Prospectus  pursuant to any  underwriting or purchase  agreement  relating to an
underwritten  Rule 144A offering or registered or qualified  public  offering of
securities in which the GSC Investors were offered piggy-back rights pursuant to
Section 3 (a "LOCK UP  PERIOD"),  Moore shall  notify the GSC  Investors  of the
basis  therefore  and shall not be required to notify the holders of any Subject
Securities  of such  demand  or file such  Registration  Statement  or  Canadian
Prospectus  prior to the end of the Black Out Period or Lock Up  Period,  as the
case may be, in which  event,  Moore will file such  Registration  Statement  or
Canadian  Prospectus  no later than the later of (a) 120 days after the original
demand  and (B) 60 days after the end of the Black Out Period or Lock Up Period,
as the case may be; and PROVIDED, FURTHER, that Moore may postpone the filing of
any  Registration  Statement  and/or Canadian  Prospectus (and, in the case of a
Pending  Event  Suspension  Period  only,   suspend  the  effectiveness  of  any
registration or  qualification,  suspend the use of any Prospectus and shall not
be required  to amend or  supplement  the  Registration  Statement,  any related
Prospectus  or any document  incorporated  therein by  reference  (other than an
effective  Registration  Statement  or  Canadian  Prospectus  being  used  in an
underwritten  offering))  (I) for a period not to exceed an aggregate of 75 days
hereunder (a "PENDING EVENT  SUSPENSION  PERIOD") in the event that (1) an event
or circumstance  occurs and is continuing  that has not been publicly  disclosed
and, if not disclosed in the Registration  Statement,  any related Prospectus or
any document  incorporated  therein by reference as then amended or supplemented
would, in the good faith reasonable  judgment of the Board of Directors of Moore
(the "BOARD"), result in the Registration Statement, and any related Prospectus,
or Canadian  Prospectus or any such document containing an untrue statement of a
material  fact or  omitting  to state a  material  fact  required  to be  stated
therein,  or necessary in order to make the statements  therein, in the light of
the  circumstances  under which they were made, not  misleading,  and (2) in the
good faith judgment of the Board, after consultation with its outside securities
counsel,  Moore has a bona fide  business  purpose for not then  disclosing  the
existence  of such event or  circumstance  or (II) for a period not to exceed an
aggregate of 120 days hereunder, in the event that Moore, for its own account or
the account of others, has pending or is currently engaged in the process of and
proposes to register Common Shares for sale in an  underwritten  public offering
on Form S-1,  S-2 or S-3,  their  successor  forms or any other  form  under the
Securities Act  appropriate  for a public  offering of such  securities of Moore
(other than a registration on Form S-8), or in an  underwritten  public offering
pursuant to a Canadian Prospectus,  in each case in an offering in which the GSC
Investors have been or will be offered  piggy-back  rights pursuant to Section 3
(a

                                       -7-
<PAGE>

"PENDING  REGISTRATION  SUSPENSION  PERIOD") and,  together with a Pending Event
Suspension  Period, a "BLACK OUT PERIOD");  PROVIDED,  FURTHER,  that any period
suspended,  including the Effectiveness  Period, shall be extended by the number
of days in any Black Out Period occurring during such Period.

     (c) EFFECTIVENESS. Moore agrees to use its reasonable best efforts to cause
each such Demand Filing Statement to be declared effective by (i) the SEC and/or
(ii) the  applicable  Canadian  Regulatory  Authorities,  as the case may be, as
promptly  as is  practicable  and in any event  within 60  calendar  days  after
filing, and to keep it continuously effective for a period of 180 days following
the dates on which each such Demand Filing  Statement is declared  effective and
60 calendar days  following the date on which a receipt or receipts are obtained
therefor  from the  applicable  Canadian  Regulatory  Authorities  or until  all
Subject Securities  included therein have been sold, if earlier and, in the case
of a Shelf  Registration  or a Canadian  Shelf,  for the periods  referred to in
clause  (i)(y)  of the last  sentence  of  Section  2(b) (in  either  case,  the
"EFFECTIVENESS PERIOD").

     (d)  PRIORITY OF  SECURITIES  IN DEMAND  FILINGS.  In  connection  with any
underwritten  Demand Filing, if the managing  underwriter or underwriters advise
Moore in writing that, in its or their reasonable opinion,  the inclusion of the
number of securities proposed to be sold exceeds the number which can be sold in
such  offering  at the  requested  price per share,  Moore will  include in such
registration  and/or  qualification  the  number  of  securities  which,  in the
reasonable opinion of such underwriter or underwriters,  can be sold as follows:
(i) first, the Subject Securities requested to be included in such Demand Filing
by the GSC  Investors;  (ii)  second,  the Subject  Securities  requested  to be
included in such Demand Filing, pro rata among the holders of Subject Securities
which have requested their Subject Securities to be included therein pursuant to
piggy-back registration rights; (iii) third, any Common Shares Moore proposes to
sell;  and (iv)  fourth,  other Common  Shares  requested to be included in such
Demand Filing.

     (e) SELECTION OF UNDERWRITERS. The GSC Investors shall have the right, with
respect to any Registration  Statement or final Canadian  Prospectus to be filed
as a result of a Demand  Filing,  to  determine  whether the sale of the Subject
Securities under such registration statement or prospectus shall be underwritten
or not, and any  managing  underwriter  or  underwriters  will be of  nationally
recognized standing in the applicable jurisdiction and which will be selected by
the GSC  Investors  with the  consent of Moore,  which will not be  unreasonably
withheld or delayed.

     (f)  REGISTRATION  STATEMENT  FORM.  Moore  shall  select the  Registration
Statement  form for any  registration  pursuant to this Section 2 provided  that
Moore shall use Form S-3 or F-3 or shall use a Canadian  short form  prospectus,
in each case if eligible to do so.

3. PIGGYBACK FILING RIGHTS.

     (a) RIGHTS TO PIGGYBACK. Subject to the last sentence of this Section 3(a),
if at any time  after the date  hereof,  Moore  proposes  to file  either  (i) a
registration  statement  under the Securities Act or (ii) a Canadian  Prospectus
under  Canadian  Securities  Laws (in either  case,  a "PROPOSED  FILING")  with
respect to any proposed  public  offering by Moore for its own account or

                                       -8-
<PAGE>

by any holders of Common Shares (or securities  convertible into or exchangeable
or exercisable for Common Shares) and the registration  form or prospectus to be
used may be used for the registration or qualification of the Subject Securities
(a "PIGGYBACK  FILING"),  Moore will give prompt written notice to the Investors
of its intention to effect such a registration or  qualification,  specifying if
such Piggyback Filing  contemplates an underwritten  offering,  and will use its
reasonable  best  efforts,  subject to Section  3(b)  below,  to include in such
Piggyback Filing all Subject Securities with respect to which Moore has received
written  request from the Investors for inclusion  therein  within 15 days after
receipt by the Investors of Moore's notice; PROVIDED;  HOWEVER, in the case of a
Piggyback  Filing in the form of a Shelf  Registration  and/or a Canadian  Shelf
requested  under  Section 2(a) of this  Agreement  or under  Section 2(a) of the
Existing  Registration  Rights  Agreement,  the  Investors  shall be entitled to
written  notice  of such  Piggyback  Filing  and to make a written  request  for
inclusion of all of their  Subject  Securities  therein for the sole purposes of
(i) selling such securities  thereunder in respect of an  Underwritten  Takedown
Request  pursuant  to Section  2(a) of this  Agreement  or  Section  2(a) of the
Existing  Registration  Rights Agreement and no other takedown requests and (ii)
selling such  securities  thereunder in block trades.  Subject  Securities  with
respect to which such  requests  for  registration  or  qualification  have been
received  will be  registered  or  qualified  by Moore and offered to the public
pursuant to this Section 3 on the same terms and subject to the same  conditions
applicable to the  registration or  qualification in a Proposed Filing of Common
Shares to be sold by Moore or by persons selling under such Proposed Filing.  In
no event shall Moore be required by any Investor requesting inclusion,  pursuant
to this Section  3(a),  of its Subject  Securities  in any  Piggyback  Filing to
reduce the number of securities  proposed to be sold by Moore or alter the terms
of the  securities  proposed to be sold by Moore in order to induce the managing
underwriter or  underwriters  to permit  Subject  Securities to be included in a
Proposed  Filing.  The GSC  Investors  will not be entitled  to include  Subject
Securities  pursuant to this Section 3(a) in any Registration  Statement on Form
S-4 or Form S-8 under the  Securities  Act (or any successor  form or equivalent
form applicable to Moore) or Canadian Prospectus  pertaining to the registration
or  qualification  by prospectus of any  securities of Moore in connection  with
mergers,   acquisitions,   exchange  offers,   subscription   offers,   dividend
reinvestment plans or stock options or other employee benefit plans.

     (b) PRIORITY ON  PIGGYBACK  FILINGS.  In  connection  with an  underwritten
Piggyback  Filing, if the managing  underwriter or underwriters  advise Moore in
writing that, in its or their reasonable opinion, the inclusion of the number of
securities  proposed to be registered or qualified  exceeds the number which can
be sold in such offering at the requested price per share, Moore will include in
such  registration  or  qualification  the number of  securities  which,  in the
reasonable opinion of such underwriter or underwriters,  can be sold as follows:
(i) first,  the Common  Shares Moore  proposes to sell for its own account or if
the  registration or  qualification is in response to a Demand Filing right of a
Person whose registration  rights exist as of the date hereof and require such a
priority   (including  those  registration   rights  under  Section  2  of  this
Agreement),  the securities  that the Person(s)  demanding such  registration or
qualification propose or proposes to sell to the extent of such a priority, (ii)
second,  to the extent  that any or all Subject  Securities  have not been given
priority  under the  immediately  preceding  clause (i) such  remaining  Subject
Securities requested to be included in such registration or qualification and

                                      -9-
<PAGE>

any securities requested to be included in such registration or qualification by
a Person  who  exercises  its  rights to have its  securities  included  in such
registration or qualification pursuant to this Agreement pro rata among them and
(iii) third,  other Common Shares requested to be included in such  registration
or qualification.

     (c) SELECTION OF  UNDERWRITERS.  If any Piggyback Filing is an underwritten
offering, Moore will select a managing underwriter or underwriters to administer
the offering,  which managing  underwriter or underwriters will be of nationally
recognized standing in the applicable jurisdictions.

     (d) EFFECTIVENESS. Moore agrees to use its reasonable best efforts to cause
each such Piggyback Filing to be declared  effective by the SEC and/or to have a
receipt  for a final  Canadian  Prospectus  issued  therefor  by the  applicable
Canadian  Regulatory  Authorities,  as the case may be,  within 60 calendar days
after  filing,  and to keep it  continuously  effective for a period of 120 days
following the dates on which each such Piggyback Filing is declared effective or
until all Subject Securities included therein have been sold, if earlier, and to
keep it  continuously  effective for a period of 60 days  following the dates on
which each such  Piggyback  Filing is qualified or until all Subject  Securities
included therein have been sold, if earlier.

     (e)  LOCK UP OF THE  INVESTORS.  If  Moore  has  complied  in all  material
respects  with its  obligation  with respect to a Demand  Filing or a Piggy-Back
Filing that is a firm commitment  underwritten  public offering,  each holder of
Subject  Securities,  upon the written  request of a managing  underwriter  with
respect to such  offering,  shall agree not to sell or otherwise  dispose of any
Subject  Securities  (other  than those  offered in the public  offering)  for a
period  not to exceed  90 days from the  consummation  of the  public  offering;
PROVIDED,  HOWEVER,  the  foregoing  shall not apply,  in the case of any Demand
Filing or a  Piggy-Back  Filing that is a firm  commitment  underwritten  public
offering  that is for the  account  of a selling  shareholder  of Moore,  to any
holder of Subject  Securities  who elects not to  participate  in such secondary
offering  due to the fact  that the  number  of  Subject  Securities  originally
requested by such holder to be included in such offering has been limited by the
operation of Section 2(d) or Section 3(b), as the case may be, to an amount that
is less than 50% of the total number of Subject Securities  originally requested
by such holder to be included in such offering.

4. REGISTRATION PROCEDURES.

     In connection with Moore's  obligation to (i) in the case of U.S.  Filings,
file  Registration  Statements or (ii) in the case of Canadian  filings,  obtain
receipts for Canadian  Prospectuses,  pursuant to Sections 2 or 3 hereof,  Moore
shall use its reasonable best efforts to effect such registration  and/or obtain
such a receipt or receipts for such  Canadian  Prospectus  to permit the sale of
such Subject  Securities  in accordance  with the intended  method or methods of
disposition thereof, and pursuant thereto Moore shall:

     (a) before filing a Registration  Statement or Prospectus or any amendments
or supplements thereto,  including documents incorporated by reference after the
initial filing of the Registration Statement or Canadian Prospectus,  furnish to
(i), in connection with Moore's

                                      -10-
<PAGE>

obligations  pursuant to Section 2, the GSC  Investors,  or (ii),  in connection
with Moore's obligations pursuant to Section 3, the Investors,  and the managing
underwriters,  if any, copies of all such documents  proposed to be filed, which
documents  will be subject to the review and  comment of the GSC  Investors  and
such  managing  underwriters  and  their  respective  counsel,   making  Moore's
representatives  available for discussion of such document and make such changes
in such document prior to the filing thereof as counsel for the GSC Investors or
underwriters may reasonably  request,  and Moore shall not file any Registration
Statement or amendment  thereto or any Prospectus or any amendment or supplement
thereto  (including  such documents  incorporated by reference) to which the GSC
Investors or the Investors (as the case may be) or the managing underwriters, if
any, shall reasonably object on a timely basis;

     (b) other than  during a Black Out  Period,  prepare  and file with the SEC
and/or Canadian Regulatory Authorities, as the case may be, (i) in the case of a
U.S. Filing,  such amendments and post-effective  amendments to any Registration
Statement, and such supplements to the U.S. Prospectus,  and (ii) in the case of
a Canadian Filing, such amendments or supplements to a Canadian  Prospectus,  in
either such case,  as may be  reasonably  requested by the GSC  Investors or the
Investors (as the case may be) or any underwriter of Subject  Securities,  or as
may be required  by either (A) the  Securities  Act or any rules or  regulations
promulgated  thereunder  or  (B)  Canadian  Securities  Laws,  respectively,  or
otherwise necessary or advisable to keep the Registration  Statement or Canadian
Prospectus  effective  for the  applicable  period,  and provide  copies of such
document to counsel to the GSC  Investors or the  Investors (as the case may be)
and to the managing underwriters, if any;

     (c) (i) in the case of a U.S.  Filing,  cause the final U.S.  Prospectus as
supplemented  to be filed  pursuant to Rule 424 under the Securities Act if then
required by the  Securities  Act and (ii) in the case of a Canadian  Filing,  to
cause the preliminary  Canadian Prospectus to be cleared and obtain a receipt or
receipts for a final Canadian Prospectus under Canadian Securities Laws from the
applicable Canadian Regulatory Authorities;

     (d) comply with the  provisions  of (i) in the case of a U.S.  Filing,  the
Securities Act and (ii) in the case of a Canadian  Filing,  Canadian  Securities
Laws  with  respect  to  the  disposition  of all  securities  covered  by  such
Registration  Statement or Canadian  Prospectus,  as the case may be, during the
applicable  period in accordance with the intended methods of disposition by the
sellers thereof set forth in such Registration Statement, supplement to the U.S.
Prospectus or the Canadian Prospectus or amendments or supplements thereto;

     (e) notify promptly the GSC Investors or the Investors (as the case may be)
and the managing  underwriters,  if any,  and (if  requested by any such Person)
confirm such notification in writing:

               (1) when (i) in the case of a U.S. Filing, the U.S. Prospectus or
          any U.S.  Prospectus  supplement or post-effective  amendment has been
          filed,  and,  with  respect  to  the  Registration  Statement  or  any
          post-effective  amendment, when the same has become effective and (ii)
          in the case of a Canadian Filing, the Canadian Prospectus or any

                                      -11-
<PAGE>

               amendment or  supplement  thereto has been filed and when a final
          receipt or receipts for the same have been  obtained from the Canadian
          Regulatory Authorities, as the case may be,

               (2) of any request by (i) in the case of a U.S.  Filing,  the SEC
          or (ii) in the case of a  Canadian  Filing,  the  Canadian  Regulatory
          Authorities,   for   amendments  or  supplements  to  either  (A)  the
          Registration  Statement  or the U.S.  Prospectus  or (B) the  Canadian
          Prospectus,  as the case may be, or of any  request by such  Person or
          Persons for any additional information,

               (3) in the case of a U.S.  Filing,  of the issuance by the SEC of
          any  stop  order  suspending  the  effectiveness  of the  Registration
          Statement or the initiation or threatening of any proceedings for that
          purpose,

               (4) of the receipt by Moore of any  notification  with respect to
          the suspension of the qualification of the Subject Securities for sale
          in any  jurisdiction,  including the issuance of any cease-trade order
          with respect to any of the Subject Securities in any jurisdiction,  or
          the initiation or threatening of any proceeding for such purposes, and

               (5) of the  happening of any event or the  existence of any state
          of facts that  requires the making of any changes in either (i) in the
          case  of a  U.S.  Filing,  the  Registration  Statement  or  the  U.S.
          Prospectus  included therein or (ii) in the case of a Canadian Filing,
          the Canadian Prospectus, as the case may be, so that, as of such date,
          such (A)  Registration  Statement and U.S.  Prospectus or (B) Canadian
          Prospectus,  as the case  may be,  do or does not  contain  an  untrue
          statement of a material  fact and do not omit to state a material fact
          required  to be stated  therein or  necessary  to make the  statements
          therein (in the case of a  Prospectus,  in light of the  circumstances
          under which they were made) not misleading (which  notification  shall
          be accompanied by an instruction to the GSC Investors or the Investors
          (as the case may be) to suspend  the use of the  Prospectus  until the
          requisite changes have been made);

     (f) (i) in the case of a U.S.  Filing,  use its reasonable  best efforts to
prevent  the  issuance,  and if issued to obtain  the  withdrawal,  of any order
suspending  the  effectiveness  of the  Registration  Statement  at the earliest
possible time and (ii) in the case of a Canadian Filing, use its reasonable best
efforts to prevent the issuance, and if issued to obtain the withdrawal,  of any
cease-trade  order  with  respect  to the  Subject  Securities  at the  earliest
possible time;

     (g) if  reasonably  requested by the GSC Investors or the Investors (as the
case  may  be)  or  the  managing  underwriter,  immediately  incorporate  in  a
Prospectus  supplement or  post-effective  amendment such information as the GSC
Investors or the  Investors  (as the case may be) and the managing  underwriters
agree should be included therein relating to the sale of the Subject Securities,
including, without limitation, information with respect to the number of Subject
Securities  being  sold to such  underwriters,  the  purchase  price  being paid
therefor  by such  underwriters  and  with  respect  to any  other  terms of the
underwritten (or best efforts  underwritten)  offering of the Subject Securities
to be sold in such offering,  including the plan of

                                      -12-
<PAGE>

distribution  therefor;  and  make  all  required  filings  of  such  Prospectus
supplement or post-effective  amendment as soon as notified of the matters to be
incorporated in such Prospectus supplement or post-effective amendment;

     (h)  promptly  upon  receipt  but  reasonably  prior to the  filing  of any
document which is to be incorporated by reference into either (i) in the case of
a U.S. Filing, the Registration  Statement or the U.S. Prospectus (after initial
filing of the Registration  Statement) or (ii) in the case of a Canadian Filing,
the Canadian Prospectus (after initial filing of the first preliminary  Canadian
Prospectus),  as the case may be, (A) provide copies of such document to counsel
to the GSC  Investors or the  Investors (as the case may be) and to the managing
underwriters,  if any,  and  (B)  make  Moore's  representatives  available  for
discussion of such document and make such changes in such document  prior to the
filing  thereof as counsel for the GSC  Investors or the  Investors (as the case
may be) or the underwriters may reasonably request;

     (i)  furnish  to each GSC  Investor  or  Investor  (as the case may be) and
managing  underwriter,  without charge, at least two signed copies of (i) in the
case  of a U.S.  Filing,  the  Registration  Statement  and  any  post-effective
amendment  thereto,  and (ii) in the case of a  Canadian  Filing,  the  Canadian
Prospectus  and any  amendment  or  supplement  thereto,  in  either  such  case
including financial statements and schedules, all documents incorporated therein
by reference and all exhibits (including those incorporated by reference);

     (j) deliver to the GSC  Investors or the Investors (as the case may be) and
the  underwriters,  if any,  without  charge,  as many copies of the  Prospectus
(including each preliminary  Prospectus) and any amendment or supplement thereto
as such  Persons may  reasonably  request;  Moore  consents  (except  during the
continuance of any event  described in Section  4(e)(5) above) to the use of the
Prospectus  and any amendment or supplement  thereto by the GSC Investors or the
Investors (as the case may be) and the underwriters,  if any, in connection with
the offering and sale of the Subject  Securities  covered by the  Prospectus and
any amendment or supplement thereto;

     (k) in the  case  of a U.S.  Filing,  prior  to  any  offering  of  Subject
Securities pursuant to any Registration  Statement,  (i) Moore shall register or
qualify or cooperate  with the GSC  Investors or the  Investors (as the case may
be) and their counsel in connection with the  registration or  qualification  of
such Subject  Securities  for offer and sale under the  securities or "blue sky"
laws of such  jurisdictions of or within the United States of America as the GSC
Investors or the  Investors (as the case may be) or any  underwriter  reasonably
requests in writing,  (ii) keep such  registrations or  qualifications in effect
and comply with such laws so as to permit the continuance of offers and sales in
such  jurisdictions  for so long as may be necessary to enable the GSC Investors
or the Investors (as the case may be) or the managing  underwriters,  if any, to
complete  its  distribution  of Subject  Securities  pursuant to a  Registration
Statement,  and (iii) take any and all other  actions  necessary or advisable to
enable the disposition in such  jurisdictions of the Subject  Securities covered
by the Registration Statement;  PROVIDED;  HOWEVER, that in no event shall Moore
be  obligated  to  (A)  qualify  as a  foreign  corporation  or as a  dealer  in
securities  in any  jurisdiction  where it would not otherwise be required to so
qualify but for this

                                      -13-
<PAGE>

Section 4(k), or (B) file any general  consent to service of process in any such
jurisdiction where it is not as of the relevant date so subject;

     (l) cooperate  with the GSC Investors or the Investors (as the case may be)
and the managing underwriters,  if any, to facilitate the timely preparation and
delivery of certificates  representing Subject Securities to be sold pursuant to
the Registration Statement or the Canadian Prospectus, which certificates, if so
required  by any  securities  exchange  upon which any  Subject  Securities  are
listed,  shall  be  penned,   lithographed  or  engraved,  or  produced  by  any
combination of such methods,  on steel engraved borders,  and which certificates
shall  be  free  of any  restrictive  legends  and  in  such  denominations  and
registered  in such names as the GSC Investors or the Investors (as the case may
be) or the managing underwriters may request at least two business days prior to
the sale of Subject Securities pursuant to (i) in the case of a U.S. Filing, the
Registration Statement,  and (ii) in the case of a Canadian Filing, the Canadian
Prospectus;

     (m) use its reasonable best efforts to cause the Subject Securities covered
by the applicable Registration Statement or Canadian Prospectus, as the case may
be to be  registered  with or  approved by such other  governmental  agencies or
authorities of or within the United States of America or Canada, as the case may
be,  as may be  necessary  or  advisable  to  enable  the GSC  Investors  or the
Investors  (as  the  case  may be) or the  managing  underwriters,  if  any,  to
consummate the disposition of such Subject Securities;

     (n) if any fact contemplated by Section 4(e)(5) above shall exist, promptly
prepare a supplement  or  post-effective  amendment to (i) in the case of a U.S.
Filing, the Registration Statement or the related U.S. Prospectus or (ii) in the
case of a Canadian Filing, the Canadian  Prospectus,  as the case may be, or any
document  incorporated  therein by reference or file any other required document
so that, as thereafter  delivered to the  purchasers of the Subject  Securities,
the Prospectus  will not contain an 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 not  misleading.  If Moore notifies the GSC Investors or the
Investors  (as the  case  may be) in  writing  of the  occurrence  of any  event
contemplated  by Section  4(e)(5) above,  the GSC Investors or the Investors (as
the case may be) agrees,  as a  consequence  of the  inclusion of any of the GSC
Investors' or the Investors'  (as the case may be) Subject  Securities in (A) in
the case of a U.S. Filing,  the Registration  Statement and (B) in the case of a
Canadian  Filing,  the Canadian  Prospectus,  as the case may be, forthwith upon
receipt of such written notice from Moore to suspend the use of such  Prospectus
until the requisite changes to the Prospectus have been made;

     (o) use all reasonable best efforts to cause the Subject Securities covered
by (i) in the case of a U.S. Filing, the Registration  Statement and (ii) in the
case of a Canadian Filing,  the Canadian  Prospectus,  as the case may be, to be
listed for quotation on, at the option of the GSC Investors or the Investors (as
the case may be) or the holder of Subject Securities,  (A) in the case of a U.S.
Filing, the New York Stock Exchange or, if the Common Shares are not then listed
on the New York Stock Exchange,  such other securities exchange on which similar
securities  issued by Moore are then listed in the United  States and (B) in the
case of a Canadian  Filing,  The Toronto Stock Exchange,  as the case may be, or
any other  stock  exchange  or trading  system on

                                      -14-
<PAGE>

which the Subject  Securities  primarily trade on or prior to the Effective Time
of (x) the Registration  Statement or (y) the Canadian  Prospectus,  as the case
may be;

     (p) enter into such  agreements  (including  an  underwriting  agreement in
form,  scope and  substance  as is  customary in  underwritten  offerings  and a
"market  stand-off" or  "blackout"  agreement for such period (not to exceed 180
days) as may be  reasonably  requested by the GSC Investors or the Investors (as
the case may be) and the managing underwriters,  if any) and take all such other
actions  in  connection  therewith  as may be  reasonably  requested  by the GSC
Investors or the Investors  (as the case may be) and the managing  underwriters,
if any, in order to expedite  or  facilitate  the  disposition  of such  Subject
Securities and in such connection,  whether or not an underwriting  agreement is
entered into and whether or not the offering is an underwritten offering:

          (1) make such  representations  and warranties to the GSC Investors or
     the Investors (as the case may be) and the  underwriters,  if any, in form,
     substance  and  scope  as  are  customarily  made  by  issuers  to  selling
     shareholders and underwriters in underwritten offerings;

          (2)  obtain  opinions  of  counsel  to Moore and  bring-downs  of such
     opinions (which counsel and opinions (in form,  scope and substance)  shall
     be  reasonably  satisfactory  to the GSC Investors or the Investors (as the
     case may be) and the managing  underwriters,  if any)  addressed to the GSC
     Investors or the  Investors (as the case may be) and the  underwriters,  if
     any,  covering:  (i) in the case of an underwritten  offering,  the matters
     customarily  covered in opinions  requested in  underwritten  offerings and
     such other matters as may be  reasonably  requested by the GSC Investors or
     the  Investors (as the case may be) and the  underwriters  (it being agreed
     that the matters to be covered shall include, without limitation, as of the
     date of the  opinion and as of the  Effective  Time of (A) in the case of a
     U.S.  Filing,  the  Registration  Statement  or most recent  post-effective
     amendment  thereto and (B) in the case of a Canadian  Filing,  the Canadian
     Prospectus  or most  recent  amendment  thereto,  as the  case  may  be,  a
     statement  as to the  absence  from (x) in the case of a U.S.  Filing,  the
     Registration  Statement  and the U.S.  Prospectus  and (y) in the case of a
     Canadian Filing, the Canadian Prospectus, in either such case including the
     documents  incorporated by reference  therein,  of an untrue statement of a
     material  fact or the  omission  of a material  fact  required to be stated
     therein or necessary to make the statements  therein not  misleading),  and
     (ii) in the case of offerings  not  involving an  underwriter,  the matters
     customarily covered in opinions requested in the type of offering involved,
     and,  in the case of (i) and (ii),  stating  that (I) in the case of a U.S.
     Filing,  the  Registration  Statement or (II) in the case of a U.S. Filing,
     the Canadian Prospectus complies,  as to form, with the requirements of the
     Securities Act and the Canadian Securities Laws, as the case may be;

          (3)  obtain  "cold  comfort"  letters  and  updates  thereof  from the
     independent  public  accountants  of Moore  (and,  if  necessary,  from the
     independent  public  accountants  of  any  Subsidiary  of  Moore  or of any
     business  acquired by Moore for which  financial

                                      -15-
<PAGE>

     statements and financial  data are, or are required to be,  included in (i)
     in the case of a U.S. Filing,  the  Registration  Statement and (ii) in the
     case of a Canadian Filing,  the Canadian  Prospectus)  addressed to the GSC
     Investors or the  Investors (as the case may be) and the  underwriters,  if
     any, such letters to be in customary form and covering  matters of the type
     customarily covered in "cold comfort" letters by underwriters in connection
     with underwritten offerings;

          (4) if an  underwriting  agreement is entered into, the same shall set
     forth  in  full  the  indemnification   and  contribution   provisions  and
     procedures  of  Section  6  hereof  with  respect  to  all  parties  to  be
     indemnified pursuant to Section 6 hereof; and

          (5) Moore shall  deliver such  documents  and  certificates  as may be
     reasonably requested by the GSC Investors or the Investors (as the case may
     be) and the  managing  underwriters,  if any,  to  evidence  the  continued
     validity of the  representations  and  warranties  made pursuant to Section
     4(p)(1) above and to evidence  compliance with any conditions  contained in
     the  underwriting  agreement  and/or other agreement or agreements  entered
     into by Moore.

The above  shall be done at each  closing  under  such  underwriting  or similar
agreement or as and to the extent required thereunder;

     (q) make available for inspection by the GSC Investors or the Investors (as
the case may be) and any underwriter  participating in any disposition  pursuant
to such (i) in the case of a U.S. Filing, Registration Statement and (ii) in the
case  of a  Canadian  Filing,  Canadian  Prospectus,  and  any  attorney  and/or
accountant  retained by the GSC  Investors or the Investors (as the case may be)
or such  underwriter,  all  pertinent  financial  and other  records,  pertinent
corporate  documents  and  properties of Moore and its  Subsidiaries,  cause the
officers,  directors,  agents and  employees  of Moore and its  Subsidiaries  to
supply all information in each case reasonably requested by the GSC Investors or
the  Investors  (as  the  case  may be) or any  such  underwriter,  attorney  or
accountant  in  connection  with  such  (A)  in  the  case  of  a  U.S.  Filing,
Registration  Statement  and (B) in the  case  of a  Canadian  Filing,  Canadian
Prospectus,  provide the GSC Investors or the Investors (as the case may be) and
any such underwriter,  attorney or accountant with  opportunities to discuss the
business of Moore and its Subsidiaries with Moore's officers and provide the GSC
Investors  or the  Investors  (as the  case  may be) and any  such  underwriter,
attorney or accountant with  opportunities  to discuss the business of Moore and
its  Subsidiaries  with the  independent  public  accountants who have certified
Moore's most recent  annual  financial  statements in each case, as is customary
for  similar  due  diligence   investigations;   PROVIDED,   that  any  records,
information or documents that are designated in writing by Moore, in good faith,
as confidential  shall be kept confidential by such Persons unless disclosure is
made in connection with a court  proceeding or required by law, or such records,
information or documents  become  available to the public generally or through a
third party without an accompanying obligation of confidentiality; and PROVIDED;
FURTHER,  that, if the foregoing  inspection  and  information  gathering  would
otherwise  disrupt  Moore's  conduct  of  its  business,   such  inspection  and
information  gathering shall, to the greatest extent possible, be coordinated

                                      -16-
<PAGE>

on behalf of the GSC  Investors  or the  Investors  (as the case may be) and the
other parties entitled thereto by one counsel designated by and on behalf of the
GSC Investors or the Investors (as the case may be) and other parties;

     (r) otherwise use its reasonable best efforts to comply with all applicable
rules and regulations of (i) in the case of a U.S.  Filing,  the SEC and (ii) in
the case of a Canadian Filing, the applicable Canadian  Regulatory  Authorities,
as the case may be,  and,  in the case of a U.S.  Filing  only,  make  generally
available to its  securityholders  as soon as practicable,  but in any event not
later  than  eighteen  months  after  the  effective  date  of the  Registration
Statement  (as defined in Rule 158(c)  under the  Securities  Act),  an earnings
statement of Moore and its  Subsidiaries  complying  with  Section  11(a) of the
Securities Act and the rules and  regulations of the SEC thereunder  (including,
at the option of Moore, Rule 158);

     (s) in the case of a U.S.  Filing,  in the  event  that  any  broker-dealer
registered  under the Exchange Act shall be an  "affiliate"  (as defined in Rule
2720(b)(1)  of the NASD Rules (or any successor  provision  thereto) of Moore or
has a "conflict of interest"  (as defined in Rule  2720(b)(7)  of the NASD Rules
(or any successor  provision thereto) and such  broker-dealer  shall underwrite,
participate as a member of an underwriting  syndicate or selling group or assist
in  the  distribution  of  any  Subject  Securities  covered  by a  Registration
Statement,  whether as a holder of such Subject Securities or as an underwriter,
a  placement  or sales  agent or a broker  or  dealer  in  respect  thereof,  or
otherwise,   Moore  shall  assist  such  broker-dealer  in  complying  with  the
requirements of the NASD Rules, including, without limitation, by (i) engaging a
"qualified independent  underwriter" (as defined in Rule 2720(b)(15) of the NASD
Rules (or any successor  provision thereto) to participate in the preparation of
the registration statement or prospectus relating to such Subject Securities, to
exercise  usual  standards of due diligence in respect  thereto and to recommend
the public offering price of such Subject  Securities,  (ii)  indemnifying  such
qualified  independent  underwriter  to the  extent  of the  indemnification  of
underwriters  provided in Section 6 hereof, and (iii) providing such information
to such  broker-dealer  as may be  required in order for such  broker-dealer  to
comply with the requirements of the NASD Rules;

     (t) use its  reasonable  best  efforts to assist the GSC  Investors  or the
Investors  (as the case may be) and the  underwriters,  if any, in marketing the
Subject  Securities,  including causing its executive officers to participate in
such "road show"  presentations  and conference calls as may be customary in the
marketing of equity securities; PROVIDED; HOWEVEr; that the GSC Investors or the
Investors  (as the  case  may be)  shall  cause  the  managing  underwriters  or
placement  agents of any Subject  Securities to give such executives  reasonable
advance notice concerning the scheduling of any such presentation or call;

     (u) furnish to the GSC  Investors or the Investors (as the case may be) and
the underwriters,  if any, a reasonable number of copies of (i) in the case of a
U.S. Filing, the Registration  Statement or U.S. Prospectus  contemplated hereby
and (ii) in the case of a Canadian  Filing,  the Canadian  Prospectus,  or other
such documents as the GSC Investors or the Investors (as the case may be) or the
underwriters,  if any, may reasonably  request in order to facilitate the public
offering of the Subject Securities; and

                                      -17-
<PAGE>

     (v) take all other steps  necessary  or  advisable  to (i) in the case of a
U.S.  Filing,  effect  the  registration,  offering  and  sale  of  the  Subject
Securities covered by the Registration Statement or U.S. Prospectus contemplated
hereby and (ii) in the case of a Canadian Filing, effect the granting of a final
receipt  for a final  Canadian  Prospectus,  offering  and  sale of the  Subject
Securities covered by the Canadian Prospectus contemplated hereby.

     Moore may require the GSC  Investors or the  Investors (as the case may be)
to  furnish  to  Moore  such  information  regarding  the GSC  Investors  or the
Investors  (as the case may be) and the  distribution  of such  securities as is
required to be disclosed in (i) in the case of a U.S.  Filing,  the Registration
Statement or (ii) in the case of a Canadian Filing, the Canadian Prospectus,  as
the case may be.

     The  GSC  Investors  or the  Investors  (as the  case  may  be)  agrees  by
acquisition  of such Subject  Securities  that,  upon receipt of any notice from
Moore of the  happening of any event of the kind  described  in Section  4(e)(5)
hereof,  the GSC Investors or the Investors (as the case may be) will  forthwith
discontinue  disposition  of Subject  Securities  pursuant  to the  Registration
Statement  until  the GSC  Investors'  or the  Investors'  (as the  case may be)
receipt of the copies of the supplemented or amended Prospectus  contemplated by
Section 4(n) hereof,  or until it is advised in writing by Moore that the use of
the  Prospectus  may be resumed,  and has received  copies of any  additional or
supplemental filings which are incorporated by reference in the Prospectus, and,
if so directed by Moore, the GSC Investors or the Investors (as the case may be)
will deliver to Moore (at Moore's expense) all copies, other than permanent file
copies  then in the GSC  Investors'  or the  Investors'  (as  the  case  may be)
possession,  of the Prospectus  covering such Subject  Securities current at the
time of receipt of such notice;  PROVIDED,  that nothing in this paragraph shall
prohibit or restrict  the GSC  Investors or the  Investors  (as the case may be)
from effecting sales or transfers otherwise than under a Registration  Statement
or Canadian Prospectus.  In the event Moore shall give any such notice, the time
periods mentioned in Section 2(c) hereof shall be extended by the number of days
during the period  from and  including  the date of the giving of such notice to
and  including the date when the GSC Investors or the Investors (as the case may
be)  either  receives  the  copies of the  supplemented  or  amended  Prospectus
contemplated  by Section  4(n) hereof or is advised in writing by Moore that the
use of the Prospectus may be resumed.

5. REGISTRATION EXPENSES.

     (a) All expenses  incident to Moore's  performance of, or compliance  with,
this Agreement, including without limitation:

          (1) all  registration  and  filing  fees  (including  with  respect to
     filings required to be made with the New York Stock Exchange or The Toronto
     Stock Exchange or other national securities exchange);

          (2) (i) in the case of a U.S. Filing,  fees and expenses of compliance
     with  securities or blue sky laws of or within the United States of America
     (including  fees and  disbursements  of  counsel  for the  underwriters  or
     selling holders in connection with blue

                                      -18-
<PAGE>

     sky  qualifications  of the Subject  Securities and  determination of their
     eligibility  for  investment  under the laws of such  jurisdictions  as the
     managing  underwriters  or the GSC Investors may  designate) or (ii) in the
     case of a Canadian  Filing,  fees and expenses of compliance  with Canadian
     Securities  Laws  (including  fees and  disbursements  of  counsel  for the
     underwriters  or  selling  holders  in  connection  with the  obtaining  of
     receipts for the Canadian  Prospectus and  determination of the eligibility
     for  investment  of the Subject  Securities  under the laws of all Canadian
     provinces);

          (3)  printing,  messenger,   telephone,  delivery,   distribution  and
     reproduction expenses;

          (4) fees and  disbursements  of counsel  for Moore and all of the fees
     and  disbursements of counsel for the GSC Investors and all other Investors
     seeking  registration  (selected by the GSC  Investors  with respect to any
     Demand Filing and also  selected by the GSC  Investors  with respect to any
     Piggyback Filing,  unless the GSC Investors are not seeking registration in
     such Piggyback Filing, in which case such counsel shall be selected by such
     other  Investors  holding a  majority  of the  Subject  Securities  seeking
     registration),  including, without limitation, the expenses of any opinions
     required by or incident to such performance, and fees and disbursements for
     other advisors for the GSC Investors;

          (5)  fees  and  disbursements  of  all  independent  certified  public
     accountants of Moore (including the expenses of any special audit and "cold
     comfort" letters required by or incident to such performance);

          (6) fees and  disbursements  of underwriters  customarily  paid by the
     issuers or sellers of securities (excluding discounts,  commissions or fees
     of  underwriters,  selling brokers,  dealer managers or similar  securities
     industry   professionals  relating  to  the  distribution  of  the  Subject
     Securities  or legal  expenses  of any person  other than Moore and the GSC
     Investors);

          (7) fees and expenses of other Persons, including experts, retained by
     Moore; and

          (8) all  out-of-pocket  expenses and  disbursements  arising out of or
     related to any  marketing  efforts  undertaken  pursuant to Section 4(t) of
     this Agreement.

All such expenses (being herein called "REGISTRATION EXPENSES") will be borne by
Moore (to the extent permitted by applicable law), regardless whether (i) in the
case of a U.S. Filing,  the Registration  Statement becomes effective or (ii) in
the case of a Canadian Filing, a receipt is issued for the Canadian Prospectus.

     To the extent that any Registration Expenses are incurred,  assumed or paid
by the Investors or any  underwriter,  Moore shall reimburse such Person for the
full amount of the Registration  Expenses so incurred,  assumed or paid promptly
after receipt of a written request

                                      -19-
<PAGE>

therefor,  which shall specify in reasonable detail the nature and amount of the
Registration Expenses.

     Moore will, in any event,  pay its internal  expenses  (including,  without
limitation,  all salaries and expenses of its officers and employees  performing
legal or accounting duties),  the expense of any annual or special audit, rating
agency fees,  the fees and expenses  incurred in connection  with the listing of
the  securities to be registered  on each  securities  exchange on which similar
securities  issued by Moore are then  listed  and the fees and  expenses  of any
Person, including special experts, retained by Moore.

     (b) In connection with each (i) in the case of a U.S. Filing,  Registration
Statement  and  (ii) in the  case of a  Canadian  Filing,  Canadian  Prospectus,
required  hereunder,  (A) Moore shall not be responsible  for the payment of any
transfer taxes relating to the sale or disposition of the Subject  Securities by
the Investors or for any underwriting discounts and commissions  attributable to
the sale of Subject  Securities  by or on behalf of the  Investors and (B) Moore
(to the extent permitted by applicable law) will reimburse the Investors and the
holders of the Subject  Securities being registered  pursuant to a Demand Filing
or  Piggy-Back  Registration,   as  applicable,  for  the  reasonable  fees  and
disbursements  of not more than one counsel  chosen by the holders of a majority
of the Subject  Securities  for whose  benefit  such  Registration  Statement or
Prospectus is being filed.

6. INDEMNIFICATION.

     (a)  INDEMNIFICATION  BY  MOORE.  In  the  event  of  any  registration  of
securities  of Moore  under the  Securities  Act or  obtaining a receipt for any
Canadian Prospectus,  Moore shall indemnify and hold harmless (i) in the case of
any registration or prospectus  qualification of Subject  Securities  hereunder,
each  Investor,  its  Affiliates  and each  underwriter,  selling agent or other
securities  professional,  if any, which  facilitates the disposition of Subject
Securities,   and  each  of  the  respective  officers,   directors,   partners,
shareholders,  employees,  agents or other  representatives of such Investor and
its Affiliates,  and (ii) in the case of any registration  statement or Canadian
Prospectus of Moore,  each Investor,  its directors and officers and each Person
who controls or is controlled by each Investor  within the meaning of Section 15
of the  Securities Act or Section 20 of the Exchange Act (each such person being
sometimes  referred to as an "INDEMNIFIED  PERSON") from and against any and all
losses,  claims,  damages or,  liabilities and expenses  whatsoever  ("LOSSES"),
joint or several,  to which such Indemnified Person may become subject under the
Securities Act, Canadian  Securities Laws or otherwise,  insofar as such losses,
claims,  damages,  liabilities  and expenses  whatsoever  (or actions in respect
thereof)  arise out of or are based  upon (A) any  untrue  statement  or alleged
untrue  statement of a material fact  contained in any (x) in the case of a U.S.
Filing,  Registration  Statement  under which such Subject  Securities are to be
registered under the Securities Act, or any U.S. Prospectus contained therein or
any amendment or supplement thereto, and (y) in the case of a Canadian Filing, a
Canadian  Prospectus  under  which a receipt or receipts  may be obtained  under
applicable  Canadian Securities Laws, or any amendment or supplement thereto, or
(B) the omission or alleged  omission to state  therein a material fact required
to be stated therein or necessary to make

                                      -20-
<PAGE>

the  statements  therein  (in the  case of any  Prospectus  in the  light of the
circumstances  under  which they were  made) not  misleading,  and Moore  hereby
agrees to reimburse such Indemnified Person for any legal fees or other expenses
reasonably  incurred by them in connection with  investigating  or defending any
such action or claim as such  expenses are  incurred;  PROVIDED;  HOWEVER,  that
Moore shall not be liable to any such Indemnified Person in any such case to the
extent;  but only to the  extent  that  (I) any  such  loss,  claim,  damage  or
liability  arises out of or is based upon an untrue  statement or alleged untrue
statement or omission or alleged  omission made in such  Registration  Statement
and/or Canadian Prospectus,  or amendment or supplement, in reliance upon and in
conformity  with  written  information  furnished  to Moore by such  Indemnified
Person  expressly for use therein (II) the foregoing  indemnity  with respect to
any untrue  statement  contained  in or omitted  from a  Registration  Statement
and/or a Canadian Prospectus shall not inure to the benefit of any party (or any
person  controlling  such party) who is  obligated  to deliver a  prospectus  in
transactions  in a security as to which a Registration  Statement has been filed
pursuant  to the  Securities  Act and from whom the  person  asserting  any such
Losses  purchased  any of the Subject  Securities to the extent that such Losses
resulted  from such party  having sold  Subject  Securities  to a person to whom
there was not sent or given,  at or prior to the  written  confirmation  of such
sale, a copy of the Registration Prospectus or a Canadian Prospectus, as amended
or supplemented,  and (1) the Company shall have previously and timely furnished
sufficient copies of the Registration Statement or a Canadian Prospectus,  as so
amended or supplemented, to such party in accordance with this Agreement and (2)
the  Registration  Statement  or  a  Canadian  Prospectus,   as  so  amended  or
supplemented,  would have  corrected  such  untrue  statement  or  omission of a
material fact.

     (b)  INDEMNIFICATION  BY THE INVESTORS AND ANY UNDERWRITERS.  Each Investor
and each other holder of Subject  Securities  agrees,  as a  consequence  of the
inclusion of any of such Investor's or such other holder's Subject Securities in
such (i) in the case of a U.S.  Filing,  Registration  Statement  or (ii) in the
case of a Canadian Filing,  Canadian Prospectus,  and each underwriter,  selling
agent  or  other  securities   professional,   if  any,  which  facilitates  the
disposition of Subject  Securities shall agree, as a consequence of facilitating
such  disposition  of Subject  Securities,  severally  and not  jointly,  to (A)
indemnify  and  hold  harmless  Moore,  its  directors,  officers  who  sign the
registration statement and each person, if any, who controls or is controlled by
Moore  within the meaning of Section 15 of the  Securities  Act or Section 20 of
the  Exchange  Act,  from  and  against  any and all  losses,  claims,  damages,
liabilities  and expenses  whatsoever  to which Moore or such other  persons may
become subject, under the Securities Act, Canadian Securities Laws or otherwise,
insofar as such losses, claims, damages, liabilities and expenses whatsoever (or
actions in respect  thereof) arise out of or are based upon any untrue statement
or alleged untrue statement of a material fact contained in such (x) in the case
of a U.S. Filing, Registration Statement or U.S. Prospectus, or any amendment or
supplement,  and (y) in the case of a Canadian Filing,  Canadian Prospectus,  or
any amendment or  supplement,  or arise out of or are based upon the omission or
alleged  omission to state therein a material fact required to be stated therein
or necessary to make the  statements  therein (in the case of any  Prospectus in
the light of the  circumstances  under which they were made) not misleading,  in
each case to the extent,  but 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  written  information

                                      -21-
<PAGE>

furnished to Moore by such Investor or such underwriter,  selling agent or other
securities  professional  expressly for use therein, and (B) reimburse Moore for
any legal or other  expenses  reasonably  incurred by Moore in  connection  with
investigating  or  defending  any such  action  or claim  as such  expenses  are
incurred, subject to the other limitations of this Section 6, including, without
limitation, the limitations under Section 6(e) hereof.

     (c) NOTICES OF CLAIMS,  ETC. Promptly after receipt by an indemnified party
under  subsection (a) or (b) above of notice of the  commencement of any action,
such  indemnified  party  shall,  if a claim in  respect  thereof  is to be made
against an  indemnifying  party under this  Section 6, notify such  indemnifying
party in writing of the commencement  thereof; but the omission so to notify the
indemnifying  party shall not relieve it from any liability which it may have to
any   indemnified   party  otherwise  than  under  this  Section  6  unless  the
indemnifying  party is materially  prejudiced  thereby.  In case any such action
shall  be  brought  against  any  indemnified  party  and  it  shall  notify  an
indemnifying party of the commencement thereof, such indemnifying party shall be
entitled to participate  therein and, to the extent that it shall wish,  jointly
with any other  indemnifying  party  similarly  notified,  to assume the defense
thereof,  with counsel  reasonably  satisfactory to such indemnified  party (who
shall not, except with the consent of the indemnified party (which consent shall
not be unreasonably withheld or delayed), be counsel to the indemnifying party),
and, after notice from the indemnifying  party to such indemnified  party of its
election so to assume the defense thereof,  such indemnifying party shall not be
liable to such indemnified  party under this Section 6 for any legal expenses of
other counsel or any other expenses,  in each case subsequently incurred by such
indemnified  party, in connection with the defense thereof other than reasonable
costs of investigation. No indemnifying party shall, without the written consent
of the indemnified party,  effect the settlement or compromise of, or consent to
the entry of any judgment with respect to, any pending or  threatened  action or
claim  in  respect  of  which  indemnification  or  contribution  may be  sought
hereunder  (whether or not the indemnified party is an actual or potential party
to such action or claim)  unless such  settlement,  compromise  or judgment  (i)
includes an  unconditional  release of the indemnified  party from all liability
arising out of such action or claim and (ii) does not include a statement as to,
or an admission of, fault,  culpability  or a failure to act, by or on behalf of
any indemnified party.

     (d) CONTRIBUTION.  If the indemnification provided for in this Section 6 is
unavailable  to or  insufficient  to hold  harmless an  indemnified  party under
subsection  (a) or (b)  above in  respect  of any  losses,  claims,  damages  or
liabilities  (or actions in respect  thereof)  referred  to  therein,  then each
indemnifying  party  shall  contribute  to the  amount  paid or  payable by such
indemnified party as a result of such losses, claims, damages or liabilities (or
actions in respect  thereof) in such proportion as is appropriate to reflect the
relative fault of the indemnifying party and the indemnified party in connection
with the statements or omissions which resulted in such losses,  claims, damages
or liabilities  (or actions in respect  thereof),  as well as any other relevant
equitable  considerations.  The relative  fault of such  indemnifying  party and
indemnified  party shall be  determined  by reference  to,  among other  things,
whether the untrue or alleged untrue statement of a material fact or omission or
alleged  omission to state a material  fact relates to  information  supplied by
such indemnifying  party or by such indemnified party, and the parties'

                                      -22-
<PAGE>

relative intent, knowledge,  access to information and opportunity to correct or
prevent such  statement or omission.  The parties hereto agree that it would not
be just and  equitable  if  contribution  pursuant  to this  Section  6(d)  were
determined by pro rata  allocation  (even if the Investors or any  underwriters,
selling agents or other securities  professionals or all of them were treated as
one entity for such purpose) or by any other method of allocation which does not
take account of the equitable  considerations  referred to in this Section 6(d).
The amount  paid or payable by an  indemnified  party as a result of the losses,
claims, damages or liabilities (or actions in respect thereof) referred to above
shall be  deemed  to  include  any legal or other  fees or  expenses  reasonably
incurred by such indemnified party in connection with investigating or defending
any such  action or  claim.  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. The obligations of the Investors, any other holder of Subject
Securities   and  any   underwriters,   selling   agents  or  other   securities
professionals in this Section 6(d) to contribute shall be several (in proportion
to the percentage of Subject Securities registered or underwritten,  as the case
may be, by them) and not joint.

     (e) Notwithstanding any other provision of this Section 6, in no event will
either (i) any Investor or any other holder of Subject  Securities  selling such
securities pursuant to a Registration Statement or Canadian Prospectus hereunder
be liable to any Person under this  Section 6 or  otherwise  with respect to any
registration or prospectus  qualification hereunder for any amounts in excess of
the dollar  amount of the net proceeds to be received by such  Investor from the
sale of its Subject  Securities  (after  deducting any discounts and commissions
applicable  thereto,  but before deducting any expenses)  pursuant to any (A) in
the  case of a U.S.  Filing,  Registration  Statement  and (B) in the  case of a
Canadian Filing, Canadian Prospectus, under which such Subject Securities are to
be registered under the Securities Act or Canadian  Securities Laws, as the case
may be, or (ii) any underwriter,  selling agent or other securities professional
be liable to any Person  hereunder  for any  amounts in excess of the  discount,
commission or other compensation  payable to such underwriter,  selling agent or
other   securities   professional   with  respect  to  the  Subject   Securities
underwritten by it and distributed to the public.

     (f) The  obligations  of Moore under this Section 6 shall be in addition to
any liability which Moore may otherwise have to any  Indemnified  Person and the
obligations of any Indemnified  Person under this Section 6 shall be in addition
to any liability which such Indemnified  Person may otherwise have to Moore. The
remedies  provided in this Section 6 are not  exclusive  and shall not limit any
rights or remedies  that may otherwise be available to an  indemnified  party at
law or in equity.

7. RULE 144.

     Moore  covenants that it will timely file the reports  required to be filed
by it  under  the  Securities  Act  and the  Exchange  Act  and  the  rules  and
regulations  adopted by the SEC thereunder (or, if Moore is not required to file
such  reports,  it will,  upon the  request  of the GSC  Investors  or CLGI make
publicly  available  such  information  as necessary to permit sales

                                      -23-
<PAGE>

pursuant to Rule 144 under the  Securities  Act),  and it will take such further
action as the GSC Investors or CLGI may  reasonably  request,  all to the extent
required  from time to time to enable the GSC Investors and CLGI to sell Subject
Securities  without  registration under the Securities Act within the limitation
of the  exemptions  provided by (a) Rule 144 under the  Securities  Act, as such
Rule may be amended  from time to time,  or (b) any similar  rule or  regulation
hereafter adopted by the SEC, including  providing any legal opinions.  Upon the
request of the GSC Investors or CLGI, Moore will deliver to the GSC Investors or
CLGI, as the case may be, a written statement as to whether it has complied with
such information and requirements.

8. APPROVAL FOR LISTING.

     Promptly  after the date  hereof and after any  subsequent  increase in the
number of Subject Securities, Moore shall take all necessary action to cause all
of the Subject Securities to be approved for listing, subject to official notice
of issuance,  on, at the election of the GSC Investors or such holder of Subject
Securities, either the New York Stock Exchange or The Toronto Stock Exchange, as
the case may be, or other  securities  exchange  or dealer  quotation  system on
which the Common Shares may then be listed or authorized for quotation.

9. TERM OF REGISTRATION RIGHTS.

     The rights of the GSC Investors and any other holder of Subject  Securities
with respect to the registration rights granted pursuant to this Agreement shall
remain in effect,  subject  to the terms  hereof,  so long as there are  Subject
Securities or  securities  which are  convertible  or  exchangeable  for Subject
Securities issued and outstanding.

10. FURTHER AGREEMENTS.

     (a) Moore will not file any registration statement under the Securities Act
or file a Canadian  Prospectus  under Canadian  Securities  Laws unless it shall
first have given to the GSC Investors and any other holder of Subject Securities
for so long as the GSC Investors or such other holder owns beneficially (as such
term is defined in the Exchange Act or Canadian Securities Laws, as the case may
be) 6.6% or more of the  Common  Shares of Moore at the time  outstanding  or is
otherwise  deemed to be a control  person under the  Securities  Act or Canadian
Securities  Law,  at least 10 days'  prior  written  notice  thereof  and, if so
requested by the GSC  Investors  or such other holder  within 10 days after such
notice,  the GSC  Investors  and such other holder shall have the right,  at any
time when, in the reasonable judgment of the GSC Investors or such other holder,
the GSC Investors or such holder is or might be deemed a  controlling  person of
Moore within the meaning of the Securities Act or Canadian  Securities Laws, (i)
to participate in the preparation and filing of each such registration statement
or  prospectus to the extent  provided in Section 4 hereof;  (ii) to receive the
documents  and notices  specified  in Section 4 hereof and to make the  requests
specified in Section 4 hereof;  (iii) to receive  signed copies of the documents
specified  in Section 4 hereof  addressed  to the GSC  Investors  and such other
holder;  and (iv) to require Moore to pay the fees and  disbursements of counsel
to the GSC Investors and such other holder which assists in such  participation.
If any such registration  statement or prospectus refers to the GSC Investors or
such other holder by name or otherwise as the holder

                                      -24-
<PAGE>

of any  securities of Moore,  then the GSC Investors and such other holder shall
have  the  right  (in  addition  to any  other  rights  it may have  under  this
Agreement) to require,  in the event that such reference to the GSC Investors or
such other holder, by name or otherwise is not required by the Securities Act or
Canadian  Securities Laws or any rules and regulations  promulgated  thereunder,
the deletion of the references to the GSC Investors and such other holder.

11. MISCELLANEOUS.

     (a) REMEDIES. The GSC Investors and any other holder of Subject Securities,
in addition to being entitled to exercise all rights provided herein and granted
by law, including recovery of damages,  will be entitled to specific performance
of its rights under this Agreement. Moore agrees that monetary damages would not
be adequate  compensation  for any loss  incurred by reason of a breach by it of
the  provisions of this  Agreement and hereby agrees to waive the defense in any
action for specific performance that a remedy at law would be adequate.

     (b) REGISTRATION RIGHTS OF OTHER PERSONS. As of the date hereof,  Moore has
not granted to any Person the right to request a  registration  of securities of
Moore under the Securities Act and/or  Canadian  Securities Laws or the right to
be included as a selling  stockholder  in connection  with any  registration  of
Subject Securities, other than the Existing Registration Rights Agreement. Moore
may grant to any  Person  other  than the GSC  Investors  the right to request a
registration  of securities of Moore under the  Securities  Act and/or  Canadian
Securities  Laws  or the  right  to be  included  as a  selling  stockholder  in
connection with any registration of Subject Securities;  PROVIDED, HOWEVER, that
the granting of any such rights shall not conflict  with or otherwise  alter any
rights granted to the GSC Investors hereunder; and PROVIDED,  FURTHER, that this
Agreement  shall be amended to provide the GSC Investors and each of the holders
of Subject  Securities  with the benefit of any term in such  agreement  that is
more  favorable  than a term  herein.  The rights  granted to the GSC  Investors
hereunder  do not in any way  conflict  with and are not  inconsistent  with the
rights granted to the holders of Moore's securities under any other agreements.

     (c)  ADJUSTMENTS  AFFECTING  SUBJECT  SECURITIES.  Moore  will not take any
action,  or permit any change to occur,  with respect to the Subject  Securities
which would (i)  adversely  affect the ability of the GSC Investors or any other
holder  of  Subject   Securities  to  include  such  Subject   Securities  in  a
registration  undertaken pursuant to this Agreement or (ii) adversely affect the
marketability of such Subject Securities in any such registration.

     (d) AMENDMENTS AND WAIVERS.  This Agreement,  including this Section 11(d),
may be amended, and waivers or consents to departures from the provisions hereof
may be given,  only by a written  instrument  duly executed by Moore and the GSC
Investors  and each other holder of Subject  Securities.  Each holder of Subject
Securities  outstanding at the time of any such amendment,  waiver or consent or
thereafter shall be bound by any amendment,  waiver or consent effected pursuant
to this Section 11(d), whether or not any notice,  writing or marking indicating
such  amendment,  waiver or consent  appears  on the  Subject  Securities  or is
delivered to such holder.

                                      -25-
<PAGE>

     (e) NOTICES. All notices and other communications provided for or permitted
hereunder  shall be made in writing  by  hand-delivery,  registered  first-class
mail, telex, telecopier, or air courier guaranteeing overnight delivery:

                  Notices to the Corporation shall be addressed as follows:

                  Moore Corporation Limited
                  c/o Moore Executive Office
                  One Canterbury Green
                  Stamford, CT 06901
                  Attn.:  Chief Financial Officer
                  Fax:  (203) 406-3855

     Notices to the GSC Investors shall be addressed as set forth on SCHEDULE A.
with a copy to:

                  Squadron, Ellenoff, Plesent & Sheinfeld, LLP
                  551 Fifth Avenue
                  New York, NY 10176
                  Attn.:  Mitchell S. Ames
                  Fax:  (212) 697-6686

                  Notices to CLGI shall be addressed as follows:

                  Chancery Lane/GSC Investors, L.P.
                   c/o MIC Investors, Inc.
                  c/o Mark Angelson
                  876 Park Avenue
                  New York, NY 10021

with a copy to:

                  Sullivan & Cromwell
                  125 Broad Street
                  New York, NY 10004
                  Attn.:  Robert W. Downes
                  Fax:  (212) 558-3588

     All such  notices  and  communications  shall be  deemed  to have been duly
given:  at the time  delivered by hand, if personally  delivered;  five business
days after  being  deposited  in the mail,  postage  prepaid,  if  mailed;  when
answered back, if telexed; when receipt acknowledged,  if telecopied; and on the
next business day, if timely delivered to an air courier guaranteeing  overnight
delivery.

                                      -26-
<PAGE>

     (f) PARTIES IN INTEREST;  BENEFITS OF REGISTRATION  RIGHTS.  The parties to
this  Agreement  intend that the GSC  Investors,  CLGI and their  successors and
permitted assigns holding Subject Securities, including, without limitation, any
current  or former  partner  of CLGI (or,  in the case of any  current or former
partner of CLGI that is itself a  partnership,  any partner of that  partnership
holding Subject  Securities),  shall be entitled to receive the benefits of this
Agreement  and that each such Person shall be bound by the terms and  provisions
of this  Agreement  by  reason  of its  election  with  respect  to the  Subject
Securities which are included in a Registration Statement or Canadian Prospectus
filed pursuant to the terms of this  Agreement.  All the terms and provisions of
this Agreement shall be binding upon, shall inure to the benefit of and shall be
enforceable by the respective  successors and assigns of the parties hereto.  In
the event that any  transferee  or  distributee  of any Investor  shall  acquire
Subject Securities,  in any manner permitted by the Debenture Purchase Agreement
or the Conversion  Inducement  Agreement,  whether by gift,  bequest,  purchase,
operation of law or otherwise,  the Investor and such  transferee or distributee
may,  without  any  further  writing  or action of any kind,  in the case of any
transferee or distributee of the GSC Investors,  jointly as to any Demand Filing
Statement  or  any  Underwritten  Takedown  Request,  and  in  the  case  of any
transferee  or  distributee  of  any  Investor,  including  the  GSC  Investors,
severally as to any Piggyback Filing, exercise the piggyback registration rights
hereunder  in  such  manner  and in  such  proportion  as to any  Demand  Filing
Statement  as set  forth  in  Section  3(a)  and,  if  any  such  transferee  or
distributee  of  the  GSC  Investors  or  any  other  Investor   exercises  such
registration rights, such transferee or distributee shall be conclusively deemed
to have agreed to be bound by and to perform all of the terms and  provisions of
this Agreement to the aforesaid extent.

     (g)  COUNTERPARTS.  This  Agreement  may  be  executed  in  any  number  of
counterparts and by the parties hereto in separate  counterparts,  each of which
when so  executed  shall be  deemed  to be an  original  and all of which  taken
together shall constitute one and the same agreement.

     (h)  HEADINGS.  The  headings  in this  Agreement  are for  convenience  of
reference only and shall not limit or otherwise affect the meaning hereof.

     (i)  GOVERNING  LAW. This  Agreement  shall be governed by and construed in
accordance with the laws of the State of New York,  without giving effect to any
provisions relating to conflicts of laws.

     (j) CURRENCY. Unless otherwise specified, all references to currency herein
are to lawful money of the United States of America.

     (k)  SEVERABILITY.  In the  event  that  any one or more of the  provisions
contained  herein,  or the  application  thereof in any  circumstances,  is held
invalid,  illegal or unenforceable in any respect for any reason,  the validity,
legality and  enforceability of any such provision in every other respect and of
the  remaining  provisions  hereof  shall not be in any way impaired or affected
thereby,  it being intended that all of the rights and privileges of the parties
hereto shall be enforceable to the fullest extent permitted by law.

                                      -27-
<PAGE>

     (l) SURVIVAL.  The  respective  indemnities,  agreements,  representations,
warranties  and other  provisions  set forth in this  Agreement or made pursuant
hereto shall remain in full force and effect,  regardless  of any  investigation
(or any  statement  as to the results  thereof)  made by or on behalf of the GSC
Investors or any other holder of Subject Securities,  any director or officer of
the GSC  Investors  or any other  holder  of  Subject  Securities,  any agent or
underwriter,  any director, officer or partner of such agent or underwriter,  or
any controlling  person of any of the foregoing,  and shall survive the transfer
and  registration  of the Subject  Securities  by the GSC Investors or any other
holder of Subject Securities.

     (m) ENTIRE AGREEMENT.  This Agreement is intended by the parties as a final
expression  of their  agreement  and  intended  to be a complete  and  exclusive
statement of the agreement and understanding of the parties hereto in respect of
the subject matter contained herein, other than the Existing Registration Rights
Agreement.  There are no  restrictions,  promises,  warranties or  undertakings,
other  than  those  set  forth  or  referred  to  herein  with  respect  to  the
registration  rights  granted by Moore with  respect to the Subject  Securities.
This Agreement  supersedes all prior agreements and  understandings  between the
parties  with  respect  to  such  subject   matter,   other  than  the  Existing
Registration Rights Agreement.

              [THE REMAINDER OF THIS PAGE INTENTIONALLY LEFT BLANK]

                                      -28-
<PAGE>

         IN WITNESS WHEREOF, the parties have executed this Agreement as of the
date first written above.

MOORE:                      MOORE CORPORATION LIMITED

                            By:  /s/ ROBERT B. LEWIS
                                 ------------------------------
                                 Name: Robert B. Lewis
                                 Title: Chief Financial Officer

GSC INVESTORS:              GREENWICH STREET CAPITAL PARTNERS II, L.P.

                            GSCP OFFSHORE FUND, L.P.

                            GREENWICH FUND, L.P.

                            GREENWICH STREET EMPLOYEES FUND, L.P.

                            TRV EXECUTIVE FUND, L.P.

                            By: Greenwich Street Investments II, L.L.C.,
                                its General Partner

                            By: /s/ MATTHEW KAUFMAN
                                -------------------------------
                                 Name:  Matthew Kaufman
                                 Title:  Managing Director

CLGI:                       CHANCERY LANE/GSC INVESTORS, L.P.

                            By: MIC Investors, Inc., its General Partner

                            By: /s/ MARK A. ANGELSON
                                -------------------------------
                                 Name: Mark A. Angelson
                                 Title: Secretary

<PAGE>

                                   SCHEDULE A

                                  GSC INVESTORS

NAME                                           ADDRESS
----                                           -------

Greenwich Street Capital Partners II, L.P.     c/o Greenwich Street
                                               Investments II, L.L.C.
                                               c/o GSC Partners
                                               12 East 49th Street, Suite 3200
                                               New York, NY 10017
                                               Attn.:   Matthew Kaufman,
                                                        Managing Director
                                               Fax:     212-884-6184

GSCP Offshore Fund, L.P.                       same as above

Greenwich Fund, L.P.                           same as above

Greenwich Street Employees Fund, L.P.          same as above

TRV Executive Fund, L.P.                       same as above

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